nfu" ldlt M @)^*÷!)÷)!

klxnf] ;+zf]wg nfu" ldlt M @)^(÷)(÷@(

bf];|f] ;+zf]wg nfu" ldlt M @)&#÷!!÷!%
lwtf]kq s]Gb|Lo lgIf]k ;]jf ljlgodfjnL, @)^*
-bf];|f] ;+zf]wg, @)&# ;lxt_

lwtf]kq s]Gb|Lo lgIf]k ;]jf ljlgodfjnL, @)^* nfO{ ;+zf]wg ug{ jf~5gLo ePsfn],
#
lwtf]kqsf] s]Gb|Lo lgIf]k ;]jf lgodfjnL, @)^& sf] lgod #) n] lbPsf] clwsf/ k|of]u u/L] g]kfn
lwtf]kq af]8{sf] :jLs[lt lnO{ l;l8P; P08 lSnol/Ë lnld6]8n] b]xfosf ljlgodx? agfO{ nfu" u/]sf]
5.

kl/R5]b–!
k|f/lDes
!= ;+lIfKt gfd / k|f/De M #-!_ o; ljlgodfjnLsf] gfd ælwtf]kq s]Gb|Lo lgIf]k ;]jf -bf];|f]
;+zf]wg_ ljlgodfjnL, @)&#Æ /x]sf] 5 .
-@_ of] ljlgodfjnL l;l8P; P08 lSnol/Ë lnld6]8n] ;fj{hlgs ;"rgf k|sflzt u/L
tf]s]sf] ldlt b]lv k|f/De x'g]5 .
@= kl/efiff M -!_ ljifo jf k|;+Ën] csf]{ cy{ gnfu]df o; ljlgodfjnLdf M–
-s_ æP]gÆ eGgfn] lwtf]kq ;DaGwL P]g, @)^# ;Demg' k5{ .
-v_ æaf]8{Æ eGgfn] P]gsf] bkmf # adf]lhd :yfkgf ePsf] g]kfn lwtf]kq af]8{ ;Demg' k5{ .
-u_ ælgodfjnLÆ eGgfn] lwtf]kqsf] s]Gb|Lo lgIf]k ;]jf lgodfjnL, @)^& ;Demg' k5{ .
-3_ æljlgodfjnLÆ eGgfn] lwtf]kq s]Gb|Lo lgIf]k ;]jf ljlgodfjnL, @)^* ;Demg'k5{ .
-ª_ æl;l8P;l;Æ eGgfn] lgodfjnLsf] lgod & adf]lhd af]8{af6 cg'dltkq k|fKt ;+:yf
l;l8P; P08 lSnol/Ë lnld6]8 ;Demg'k5{ .
-r_ æ;ldltÆ eGgfn] l;l8P;l;sf] ;+rfns ;ldlt ;Demg'k5{ .
-5_ æ;Demf}tfÆ eGgfn] l;l8P;l; / lgIf]k ;b:o, lgIf]k ;b:o / lxtu|fxL, l;l8P;l; /
lgisfzgstf{, lgIf]k ;b:o / bnfn, l;l8P;l;, lgisfzgstf{ / /lhi6«f/ tyf
x:tfGt/0f k|ltlglw, l;l8P;l; / cGo kIf aLr s]Gb|Lo lgIf]k ;]jf ;DaGwdf o;
ljlgodfjnL adf]lhd ePsf] ;Demf}tf ;Demg' k5{ .
-h_ æ/lhi6«f/Æ eGgfn] dr]{G6 a}+s/sf] cg'dlt k|fKt z]o/ /lhi6«f/ jf lwtf]kq lgisfzg ug]{
;+ul7t ;+:yfsf] /lhi6«f/ tyf x:tfGt/0f k|ltlglw ;Demg'k5{ .
-em_ æ;+:yfut ultljlwÆ eGgfn] lgisfzgstf{n] btf{ lstfa aGb ug]{, ;fwf/0f ;efsf] ldlt,
cjlw k'/f u/]sf lwtf]kqx? afkt lkmtf{ e'QmfgL ug]{ ldlt, kl/jt{lgo ljz]iftf ePsf]
C0fkq tyf clwsf/kqsf] km]/abn ug]{ ldlt, nfef+z, Aofh, af]g; z]o/, xsk|b z]o/,

# bf];|f] ;+zf]wg, @)&# cg';f/ ;+zf]lwt ul/Psf] .

1
 
 cu|flwsf/ afF8kmfF8, clwsf/kq hf/L tyf e'QmfgL ug]{ ldlt, lk|ldodsf] lkmtf{ e'QmfgL
ldlt ;fy} ;do ;dodf ug]{ cGo o:t} ultljlw ;Demg' k5{ .
-`_ æ;+:yfut nfeÆ eGgfn] lxtu|fxLnfO{ lgisfzgstf{sf] tkm{af6 lxtu|fxLn] lnPsf] lwtf]kq
afkt ;do ;dodf k|fKt x'g] nfe ;Demg' k5{ / o; zAbn] nfef+z, Aofh, af]g;
z]o/, xsk|b z]o/, cu|flwsf/ afF8kmfF8, clwsf/kq, lk|ldodsf] lkmtf{ e'QmfgL tyf cGo
nfenfO{ ;d]t ;Demg' k5{ .
-6_ æafXo ahf/ sf/f]af/Æ eGgfn] lwtf]kq ahf/sf] vl/b laqmL eGbf aflx/ sf/f]af/ e} b'O{
kIf aLr ;DkGg x:tfGt/0fnfO{ ;Demg' k5{ .
-7_ 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]kq wgLx?sf] clen]v /fvL lwtf]kq x:tfGt/0f tyf
lkmtf{ e'QmfgL nufotsf sfo{ ug]{ JolQm jf ;+ul7t ;+:yf ;Demg' k5{ .
-8_ ælgb]{zg k'hL{Æ eGgfn] l;l8P;l;df vftf vf]n]sf JolQm jf ;+:yfn] cfkm\gf] vftfdf
lwtf]kq hDdf ug{ -qm]l86_ jf cfkm\gf] vftfaf6 lwtf]kq 36fpg -8]la6_ lbO{g]
cfb]znfO{ ;Demg' k5{ .
-9_ æcef}ltsLs/0fÆ eGgfn] sfuhL cj:yfdf /x]sf] ef}lts lwtf]kqnfO{ ljB'tLo k|0ffnLdf
clen]v /flvg] -l8Dof6\_ sfo{nfO{ ;Demg' k5{.
-0f_ æef}ltsLs/0fÆ eGgfn] ljB'tLo k|0ffnLdf /flvPsf] lwtf]kqsf] clen]vnfO{ sfuhL
cj:yfdf kl/jt{g ug]{ -l/Dof6\_ sfo{nfO{ ;Demg' k5{ .
-t_ æk"j{ e'Qmfg vftfÆ eGgfn] /fkm;fkmsf nflu k|fKt lwtf]kqx? /fkm;fkmsf nflu tf]lsPsf]
;do cufj} hDdf ug{ ;lsg] u/L lwtf]kq bnfnsf] gfddf vf]lnPsf] vftfnfO{ ;Demg'
k5{ .
-y_ æc:yfoL /fkm;fkm vftfÆ eGgfn] s'g} sf/0fn] /fkm;fkmsf nflu tf]lsPsf] ;dofjwL leq
/fkm;fkm x'g g;s]sf] cj:yfdf c:yfoL?kdf lwtf]kq hDdf ug]{ k|of]hgsf] nflu lgIf]k
;b:on] lwtf]kq bnfnsf nflu /fkm;fkm vftf vf]Nbf vf]lnlbg] 5'§} vftfnfO{ ;Demg'
k5{ .
-@_ pkljlgod -!_ df kl/eflift ePsf] afx]ssf o; ljlgodfjnLdf k|of]u ePsf cGo
zAbx?sf] cy{ ;DalGwt P]g, lgodx?df kl/efiff eP adf]lhd x'g]5 .

kl/R5]b–@
lwtf]kq lgIf]k ;DaGwL Joj:yf
#= lwtf]kq cef}lts :j?kdf /fVgsf nflu lgj]bg k]z ug'{ kg]{ M -!_ af]8{df lwtf]kq btf{ u/]sf
;+ul7t ;+:yfn] cfkm'n] hf/L u/]sf] lwtf]kqsf] cef}ltsLs/0f k|of]hgsf nflu cg';"rL–! sf]
9fFrfdf cg';"rL–@ adf]lhdsf] z'Ns ;lxt lgj]bg k]z ug'{kg]{5 .
-@_ lgj]bgsf ;fy b]xfosf sfuhft tyf ljj/0f ;d]t k]z ug'{kg]{5 .
-s_ af]8{df lwtf]kq btf{ ePsf] k|df0fkqsf] k|df0fLt k|ltlnlk,
-v_ ;+ul7t ;+:yf btf{ k|df0fkq tyf Joj;fo ;+rfng cg'dltkqsf] k|dfl0ft
k|ltlnlk,
2
 
 -u_ sDkgLsf] k|aGwkq lgodfjnLsf] k|dfl0ft k|ltlnlk,
-3_ ljz]if P]gåf/f :yflkt ;+ul7t ;+:yfx?sf] xsdf P]g tyf lgodfjnLsf]
k|ltlnlk,
-ª_ sDkgLsf ;+rfns,sfo{sf/L k|d'v tyf sDkgL ;lrjx?sf] gfd, 7]ufgf,of]Uotf
tyf cg'ej ;DaGwL ljj/0f,
-r_ lwtf]kq ahf/df ;"rLs/0f ePsf] eP ;f] ;DaGwL ;Demf}tfkqsf] k|dfl0ft
k|ltlnlk,
-5_ z]o/ /lhi6«f/ lgo'Qm u/]sf] eP ;f] ;DaGwL ;Demf}tfkqsf] k|df0fLt k|ltlnlk,
-#_ pkljlgod -!_ adf]lhd k|fKt lgj]bg pk/ l;l8P;l;n] cfjZos hfFra'em ug]{5 .
o;/L hfFra'em ubf{ cfjZos eP l;l8P;l;n] s'g} sfuhft, ljj/0f jf hfgsf/L af/] :ki6
ug{ nufpg] tyf yk sfuhft tyf ljj/0f dfu ug{ ;Sg]5 .
-$_ pkljlgod -#_ adf]lhd hfFra'em u/L l;l8P;l; ;Gt'i6 ePdf lgj]bs;Fu
cg';'rL–@ adf]lhdsf] btf{ z'Ns lnO{ cg';"rL–# adf]lhd btf{ ;Demf}tf ug]{5 .
-%_ l;l8P;l;n] ;+ul7t ;+:yf;Fu ;Demf}tf ug'{ cl3 pQm ;+ul7t ;+:yf jf ;DalGwt
/lhi6«f/nfO{ l;l8P;l;sf] k|0ffnL dfkm{t sf/f]af/ ug{sf nflu kof{Kt xf8{j]o/ / ;km\6j]o/sf]
Joj:yf ug{ nufpg' kg]{5 .
Ä
-^_ o; ljlgodfjnLdf dfly h'g;'s} s'/f n]lvPsf] ePtfklg Ps k6s lwtf]kq
cef}ltsLs/0f u/fO{;s]sf] ;+:yfn] eljiodf s'g} lwtf]kq cef}ltsLs/0f u/fpg' kg]{ ePdf
pQm ;+:yfn] klxn] k]z u/]sf ljj/0f tyf sfuhftdf s'g} kl/jt{g ePdf ;f] kl/jt{g ePsf]
ljj/0f tyf sfuhft dfq k]z ug{ ;Sg]5 .
$= jflif{s z'Ns a'emfpg'kg]{ M ljlgod # adf]lhd lwtf]kq cef}ltlss/0f u/fPsf ;+ul7t ;+:yfn]
k|To]s cfly{s jif{ ;dfKt ePsf] Ps dlxgfleq cg';"rL–@ adf]lhdsf] jflif{s z'Ns a'emfpg'
kg]{5 .
%= z]o/ /lhi6«f/ l;l8P;l;df btf{ x'g] M ;+ul7t ;+:yfn] z]o/ /lhi6«f/ lgo'Qm u/]sf] eP ;f]
/lhi6«f/ sDkgL l;l8P;l;df cg';"rL–@^ adf]lhd ;Demf}tf u/L btf{ ePsf] x'g' kg]{5 .
^= jflif{s h8fg tyf dd{t z'Ns M ;+ul7t ;+:yfn] cg';"rL–@! adf]lhd jflif{s ;ˆ6j]o/ h8fg
tyf dd{t z'Ns a'emfpg' kg]{5 .
Ä
&= ;+ul7t ;+:yfsf] gfd, 7]ufgf tyf z]o/ /lhi6«f/ kl/jt{g ePdf M ;+ul7t ;+:yfsf] gfd, 7]ufgf
kl/jt{g ePdf tyf z]o/ /lhi6«f/ sDkgL kl/jt{g ePdf ;+ul7t ;+:yfn] ;f]sf] hfgsf/L tLg
sfo{ lbg leq l;l8P;l;nfO{ lbg' kg]{5 .
*= ;/sf/L lwtf]kq ;DaGwL Joj:yf M -!_ l;l8P;l;n] ;/sf/L lwtf]kqsf] ;d]t cef}ltsLs/0f u/L
sf/f]af/ /fkm;fkm tyf gfd;f/L ug]{ ;DaGwL Joj:yf ug{ ;Sg]5 .
-@_ o; ljlgodfjnLdf h'g;'s} s'/f pNn]v ePsf] eP tfklg ;/sf/L lwtf]kqsf] xsdf
btf{ z'Ns tyf jflif{s z'Ns nfUg] 5}g .
(= btf{ ;Demf}tf vf/]h M -!_ b]xfosf] cj:yfdf l;l8P;l;n] ljlgod # sf] pkljlgod -$_
adf]lhd ePsf] btf{ ;Demf}tf vf/]h ug{ ;Sg]5,
Ä klxnf] ;+zf]wg, @)^( 

3
 
 -s_ ;+ul7t ;+:yf jf o;sf] /lhi6«f/n] l;l8P;l;;Fu ePsf] ;Demf}tfdf pNn]v
ePsf zt{x?sf] kfngf gu/]df,
-v_ jflif{s z'Ns ga'emfPdf .
-@_ pkljlgod -!_ adf]lhd btf{ ;Demf}tf vf/]h ubf{ l;l8P;l;n] o;/L btf{ vf/]h
ug'{ k"j{ ;DalGwt ;+ul7t ;+:yfnfO{ :kli6s/0f lbg] tyf ;'g'jfO{sf] df}sf lbg]5 .
Ä
-#_ o; ljlgod adf]lhd btf{ ;Demf}tf vf/]h ePsf] ;DaGwdf l;l8P;l;n] af]8{,
lwtf]kq ahf/, ;DalGwt lgisfzgstf{, /lhi6«f/ tyf x:tfGt/0f k|ltlglw, lxtu|fxL tyf cGo
lgIf]k ;b:ox?nfO{ ;"rgf lbg]5 .

kl/R5]b–#
lgIf]k ;b:o ;DaGwL Joj:yf
!)= lgIf]k ;b:on] lgj]bg lbg'kg]{ M Ä-!_ l;l8P;l;sf] ;b:otf k|fKt ug{sf nflu af]8{af6
lgodfjnLsf] lgod @! adf]lhd btf{ k|df0fkq k|fKt u/]sf ;+:yfn] cg';"rL–$ adf]lhdsf]
9fFrfdf lgj]bg lbg'kg]{5 .
-@_ lgj]bg;fy b]xfosf sfuhft tyf ljj/0f ;+nUg ug'{kg]{5 .
-s_ ;+rfns / sfo{sf/L k|d'vsf] ;DaGwdf cg';"rL–^ adf]lhd ljj/0f,
-v_ cg';"rL–& adf]lhdsf] ljj/0f tyf sfuhft,
-u_ lgIf]k ;b:o sDkgLsf] ;+:yfkssf ;DaGwdf cg';"rL–* adf]lhd ljj/0f tyf
sfuhft,
-3_ af]8{df btf{ ePsf] k|df0fkq .
!!= lgj]bg pk/ hfFra'em M -!_ ljlgod !) adf]lhd lgj]bg k|fKt eP kl5 l;l8P;l;n] To:tf]
lgj]bg / lgj]bg ;fy k|fKt ljj/0f tyf sfuhftsf] hfFra'em ug]{5 .
-@_ pkljlgod -!_ adf]lhd hfFra'em ubf{ l;l8P;l;n] s'g} sfuhft, yk ljj/0f jf
hfgsf/L af/] :ki6 x'g rfx]df lgj]bs sDkgL jf ;+ul7t ;+:yf;Fu To:tf] sfuhft, yk
ljj/0f jf hfgsf/L dfu ug{ jf :ki6 ug{ lgb]{zg lbg ;Sg]5 .
-#_ pkljlgod -@_ adf]lhd hfFra'em kZrft\ l;l8P;l;n] lgj]bsnfO{ sf/f]af/sf nflu
cfjZos k"jf{wf/ tof/ ug{sf nflu ;"lrt ug]{5 .
!@= k"jf{wf/ tof/ ug'{kg]{ M -!_ ljlgod !! adf]lhd l;l8P;l;n] k"jfwf{/ tof/ ug{ lgb]{zg lbPsf]
@ dlxgfleq lgj]bsn] cfjZos k"jf{wf/ tof/ u/L l;l8P;l;nfO{ hfgsf/L u/fpg'kg]{5 .
-@_ pkljlgod -!_ df pNn]v ePsf] cjwL leq k'jf{wf/ tof/ ug{ g;ls yk ;dofjwL
dfu u/]df l;l8P;l;n] lgj]bsnfO{ a9Ldf Ps dlxgf;Ddsf] cjlw yk ul/lbg ;Sg]5 .
-#_ pkljlgod -@_ adf]lhd yk ePsf] cjlw leq ;d]t k"jf{wf/ tof/ ug{ g;s]sf]
cj:yfdf l;l8P;l;n] lgj]bg vf/]h ug]{5 / ;f] sf] hfgsf/L af]8{nfO{ ;d]t lbg]5 .

Ä klxnf] ;+zf]wg, @)^( 

4
 
!#= k"jf{wf/sf] lg/LIf0f M -!_ ljlgod !@ adf]lhdsf] hfgsf/L k|fKt ePsf] a9Ldf kGw| lbg leq
l;l8P;l;n] k"jf{wf/sf] :ynut lg/LIf0f ug]{5 .
-@_ pkljlgod -!_ adf]lhd l;l8P;l;n] lg/LIf0f ubf{ k'jf{wf/sf] ;DaGwdf ePsf]
Joj:yf ckof{Kt b]lvPdf yk ug'{kg{] Joj:yfx? ;d]t tf]sL a9Ldf tL; lbgsf] ;do lbg
;Sg]5 .
-#_ pkljlgod -@_ adf]lhd tf]lsPsf] yk ;dofjwL leq cfjZos k"jf{wf/sf] Joj:yf
u/L l;l8P;l; ;dIf hfgsf/L u/fpg'kg]{5 .
!$= ;b:otf lbg] M lgj]bsn] lgj]bg;fy k]z u/]sf] ljj/0f tyf sfuhft / k"jf{wf/x?sf]
lg/LIf0faf6 lgIf]k ;b:otf lbg pko'Qm b]lvPdf lgj]bs;Fu cg';"rL–( adf]lhdsf] ;Demf}tf
u/L cg';"rL–% adf]lhdsf] ;b:otf b:t'/ lnO{ cg';"rL–!) adf]lhdsf] 9fFrfdf lgIf]k ;b:otf
k|bfg ug]{5 .
!%= ;b:otfsf] gjLs/0f M lgIf]k ;b:on] k|To]s cfly{s jif{ ;dfKt ePsf] tLg dlxgf leq
cg';"rL–% adf]lhdsf] jflif{s z'Ns ;lxt cg';"rL–!! adf]lhdsf] 9fFrfdf l;l8P;l; ;dIf
lgj]bg lbO{ ;b:otf gjLs/0f u/fpg' kg]{5 .
!^= ;]jf z'Ns ;DaGwL Joj:yf M -!_ lgIf]k ;b:on] lwtf]kq sf/f]af/ ;Fu ;DalGwt ;]jf pknAw
u/fP afkt lxtu|fxLaf6 cg';"rL–!$ adf]lhdsf] ;]jf z'Ns lng ;Sg]5 .
-@_ lgIf]k ;b:on] ;]jf z'Ns afkt k|To]s dlxgf k|fKt u/]sf] z'Nssf] lx;fa u/L o;
ljlgodfjnL adf]lhd l;l8P;l;nfO{ a'emfpg' kg]{ /sd dlxgf ;dfKt ePsf] kGw| lbg leq
l;l8P;l;nfO{ a'emfpg' kg]{5 .
-#_ pkljlgod -@_ adf]lhdsf] cjlw leq l;l8P;l;nfO{ a'emfpg' kg]{ /sd ga'emfPdf
lgIf]k ;b:on] To:tf] /sdsf] e'QmfgL jflif{s bz k|ltztsf b/n] yk u/L 5 dlxgf;Dddf
ug'{kg]{5 / pQm ;dofjlwdf ;d]t ga'emfPdf lgIf]k ;b:onfO{ ljlgod #^ adf]lhdsf]
sf/jfxL ug{ ;lsg]5 .
!&= gub w/f}6L /fVg' kg]{ M -!_ lgIf]k ;b:on] cfˆgf] sf/f]af/ ;'? ug'{ cufl8 l;l8P;l;df Ps
nfv ?k}ofF gub w/f}l6 /fVg' kg]{5 .
ÄÄ
-@_ lgIf]k ;b:on] pkljlgod -!_ df tf]lsPsf] eGbf yk w/f}6L /fVg' kg]{ u/L
l;l8P;l;n] tf]s]df To:tf] yk w/f}6L a}+s Uof/]06Lsf] ?kdf ;d]t /fVg ;Sg]5 .
!*= lwtf]kq lgIf]k l;df M Ä-!_ lgIf]k ;b:on] lgIf]k Joj:yfkg u/]sf] lxtu|fxLsf] lwtf]kqsf]
ahf/ d"No cfˆgf] v'b ;DklQ d"Nosf] kfFr ;o u'0ff eGbf a9L x'g] 5}g .
-@_ s'g} lgIf]k ;b:osf] lwtf]kqsf] lgIf]k l;df pkljlgod -!_ df tf]s]sf] eGbf a9L
x'g uPdf pQm lgIf]k ;b:on] ;f] sf] hfgsf/L l;l8P;l;nfO{ u/fO{ cfjZos v'b ;DklQsf]
Joj:yf geP;Ddsf nflu l;l8P;l;df gub w/f}6L /fvL sfo{ ;+rfng ug{ ;Sg]5 .
-#_ s'g} lgIf]k ;b:on] pkljlgod -@_ df pNn]v eP adf]lhdsf] w/f}6L /fVg g;Sg]
cj:yf cfPdf l;l8P;l;n] pQm lgIf]k ;b:osf] kf]6{kmf]lnof]df pkljlgod -!_ df tf]lsPsf]
l;df eGbf a9L /x]sf] lxtu|fxLsf] lwtf]kq cGo lgIf]k ;b:o;Fu /x]sf] lxtu|fxL vftfdf ;fg{
Ä klxnf] ;+zf]wg, @)^(
ÄÄ klxnf] ;+zf]wg, @)^( df yk ul/Psf] .

5
 
 nufpg lgb]{zg lbg]5 / o;/L lbPsf] lgb]{zg ;DalGwt lgIf]k ;b:on] tTsfn sfof{Gjog
ug'{kg]{5 .
!(= zfvf sfof{no M -!_ lgIf]k ;b:o sDkgLn] l;l8P;l;sf] :jLs[lt lnO{ cfjZostf cg';f/
g]kfn leq zfvf sfof{no vf]Ng ;Sg]5 .
-@_ ;Dks{ sfof{no cfjZos k/]df lgIf]k ;b:onfO{ of]Uotf tyf zt{ tf]ls ;Dks{
sfof{no vf]Ng :jLs[lt lbg ;Sg]5 .
-#_ o; ljlgod adf]lhd lgIf]k ;b:onfO{ zfvf jf ;Dks{ sfo{no vf]Ng lbPsf]
:jLs[tLsf] hfgsf/L af]8{nfO{ lbg' kg]{5 .

kl/R5]b–$
vftf ;DaGwL Joj:yf
@)= lxtu|fxLn] vftf vf]Ng lgj]bg lbg'kg]{ M -!_ o; ljlgod adf]lhd lxtu|fxLn] l;l8P;l;df
vftf vf]Ngsf nflu lgIf]k ;b:o ;dIf cg';"rL–!@ jf cg';"rL–!# sf] 9fFrfdf lgj]bg k]z
ug'{kg]{5 .
-@_ lgj]bgsf ;fy b]xfo adf]lhdsf] ljj/0f tyf sfuhft k]z ug'{kg]{5,
##
-s_ lgj]bgdf ljj/0f pNn]v ubf{ a}+s ljj/0fdf æsÆ ju{sf] jfl0fHo a}+sdf /x]sf]
vftf gDa/ pNn]v ug'{ kg]{5,
-v_ cg';"rL–!@ jf cg';"rL–!# adf]lhdsf] j}olQms jf ;+:yfut ljj/0f,
-u_ lgj]bs k|fs[lts JolQm ePdf g]kfnL gful/stfsf] k|df0fkq jf u}/ cfjf;Lo
g]kfnLsf] xsdf ;f] sf] kl/ro kq
-3_ lgj]bs sDkgL jf ;+:yf ePdf btf{ k|df0fsf] k|ltlnlk,
-ª_ lgj]bs sDkgL jf ;+:yf ePdf vftf ;+rfngsf nflu clVtof/gfdf,
-r_ lgj]bs sDkgL jf ;+:yfsf] ;+rfns ;ldltsf] lg0f{o,
-5_ lxtu|fxL gfafns ePdf ;+/IfsTj v'Ng] sfuhft .
-#_ k|fKt lgj]bgsf] hfFra'em u/L lgIf]k ;b:on] cg';"rL–!$ adf]lhdsf] vftf vf]Ng]
z'Ns lnO{ vftf vf]lnlbg'kg]{5 / vftf vf]Nbf cg';"rL–!% adf]lhdsf] ;Demf}tf ug'{kg]{5 .
-$_ pkljlgod -#_ adf]lhdsf] vftf vf]Ng' cl3 lgIf]k ;b:on] ;DalGwt lxtu|fxLsf]
cfjZos ljj/0f s]Gb|Lo lgIf]k k|0ffnLdf k|ljli6 ug'{kg]{5 / o;/L k|ljli6 ul/;s]kl5
k|0ffnLaf6 pTkGg x'g] lxtu|fxL vftf gDa/ ;DalGwt lxtu|fxLnfO{ pknAw u/fpg' kg]{5 .
-%_ lgIf]k ;b:on] k|To]s lxtu|fxLsf] gfddf 5'§f 5'§} vftf vf]nL k|To]s vftfsf] 5'§f
5'§} Joj:yfkg ug'{ kg]{5 / k|To]s lxtu|fxLsf] lwtf]kqnfO{ cGo lxtu|fxL jf lgIf]k ;b:o jf
cfˆg} lwtf]kq;Fu gld;fO{ /fVg] Joj:yf ug'{ kg]{5 .
-^_ ;+o'Qm?kdf lwtf]kq u|x0f u/]sf] cj:yfdf lwtf]kq wgLx?sf] ;Demf}tfsf] cfwf/df
s'g} Ps lwtf]kq wgLsf] gfddf vftf vf]nL cef}ltsLs/0f ug{ ;lsg]5 .

## bf];|f] ;+zf]wg, @)&# cg';f/ yk ul/Psf] .

6
 
 -&_ lgIf]k ;b:on] cfˆgf] nflu ;d]t o; ljlgod adf]lhdsf] lxtu|fxL vftf vf]Ng
;Sg]5 .
##
-*_ lxtu|fxLn] cfˆgf] vftfdf ePsf] sf/f]af/sf] hfgsf/L cgnfO{g dfkm{t\ x]g]{ ;'ljwf
lng rfx]df jflif{s ?kdf krf; ?k}ofF z'Ns e'QmfgL u/L l;l8P;l;n] lgIf]k ;b:onfO{ Joj:yf
u/]sf] ;ˆ6j]o/ dfkm{t\ To:tf] ;'ljwf lng ;Sg]5 .
##
-(_ pkljlgod -*_ adf]lhd lxtu|fxLn] e'Qmfg u/]sf] z'Nssf] krf; k|ltzt /sd
lgIf]k ;b:on] l;l8P;l;nfO{ a'emfpg' kg]{5 .
@!= /fkm;fkm vftf ;DaGwL Joj:yf M -!_lwtf]kq ahf/df sf/f]af/ ug]{ ;b:obnfn, ahf/ lgdf{tfn]
cef}lts ?kdf /x]sf lwtf]kqx?sf] /fkm;fkm k|of]hgsf nflu s'g} Ps lgIf]k ;b:o dfkm{t\
/fkm;fkm vftf vf]Ng' kg]{5,
-@_ pklgod -!_ adf]lhd vftf vf]Nbf lgj]bg ;fy b]xfo adf]lhdsf] ljj/0f tyf
sfuhft k]z ug'{ kg]{5,
-s_ sDkgL btf{ k|df0fkqsf] k|ltlnlk,
-v_ af]8{af6 k|fKt cg'dltkqsf] k|dfl0ft k|ltlnlk,
-u_ vftf ;+rfngsf] clVtof/gfdf,
-3_ ;+rfns ;ldltsf] lg0f{osf] k|dfl0ft k|ltlnlk,
-ª_ lwtf]kq ahf/af6 k|fKt ;b:otfsf] k|df0fkqsf] k|dfl0ft k|ltlnlk .
-#_ k|fKt lgj]bgsf] hfFra'em u/L lgIf]k ;b:on] cg';"rL– !$adf]lhdsf] vftf vf]Ng]
z'Ns lnO{ cg';"rL– @@ adf]lhdsf] ;Demf}tf ug'{ kg]{5 .
-$_ /fkm;fkm vftf vf]Nbf lgIf]k ;b:on] lwtf]kq bnfn, ahf/ lgdf{tfsf] nflu c:yfoL
/fkm;fkm vftf ;d]t vf]lnlbg' kg]{5 .
-%_ lwtf]kq bnfn, ahf/ lgdf{tf cfkm}+ lgIf]k ;b:o /x]sf] cj:yfdf pQm lwtf]kq
bnfn, ahf/ lgdf{tfn] sf/f]af/ /fkm;fkm k|of]hgsf nflu :jo+n] cfˆg} gfddf /fkm;fkm vftf
vf]nL sfo{ ug{ ;Sg]5 .
-^_ l;l8P;l;n] /fkm;fkm k|of]hgsf nflu k|To]s lwtf]kq bnfn, ahf/ lgdf{tfsf nflu
k"j{ e'Qmfg vftf (Early Pay‐in Account) vf]lnlbg ;Sg]5 .
-&_ /fkm;fkm vftf vf]n]sf] hfgsf/L lgIf]k ;b:on] ;DalGwt lwtf]kq ahf/ tyf
l;l8P;l;nfO{ lbg' kg]{5 .
-*_ ljlgod adf]lhd /fkm;fkm k|of]hgsf nflu lwtf]kq bnfn, ahf/ lgdf{tfn] Ps
eGbf a9L vftf vf]Ng ;Sg] 5}g .
-(_ l;l8P;l;n] /fkm;fkm k|of]hgsf nflu cfjZostf cg';f/ cfkm\gf] gfddf Ps jf
Ps eGbf a9L vftf vf]Ng ;Sg]5 .
@@= cef}ltsLs/0fsf nflu lgj]bg lbg'kg]{ M -!_ lxtu|fxLn] cfkm';Fu ef}lts ?kdf /x]sf] lwtf]kqsf]
cef}ltsLs/0fsf nflu cg';"rL–!^ sf] 9fFrfdf cef}ltsLs/0f ug'{kg]{ lwtf]kqsf] k|df0fkq
;lxt cfkm\gf] lgIf]k vftf /x]sf] lgIf]k ;b:o ;dIf lgj]bg lbg' kg]{5 .
## bf];|f] ;+zf]wg, @)&# cg';f/ yk ul/Psf] .

7
 
 -@_ lgIf]k ;b:on] pkljlgod -!_ adf]lhd lgj]bg ;fy k|fKt ePsf] lwtf]kqsf] ljj/0f
pNn]v u/L ;f] sf] lg:;f lgj]bsnfO{ lbg'kg]{5 .
-#_ lgIf]k ;b:on] pkljlgod -!_ adf]lhd k|fKt lgj]bg cfjZos hfFra'em u/L lgIf]k
k|0ffnLdf lgj]bg adf]lhdsf] lwtf]kqsf] ljj/0f k|ljli6 u/L k|To]s ef}lts k|df0fkqsf]
cu|k[i7df æcef}ltsLs/0fsf] nflu ;'Dk]sf] (SURRENDER  FOR  DEMATERIALIZATION)Æ zAb
pNn]v ePsf] ldlt ;lxtsf] 5fk nufO{ lgj]bg k|fKt ePsf] & -;ft_ sfo{lbg leq lgj]bg tyf
sfuhft ;DalGwt ;+ul7t ;+:yf jf /lhi6«f/ tyf x:tfGt/0f k|ltlglw ;dIf k7fpg' kg{]5 .
-$_ ;DalGwt ;+ul7t ;+:yf jf /lhi6«f/ tyf x:tfGt/0f k|ltlglwn] lgIf]k ;b:oaf6
pkljlgod -#_ adf]lhdsf] lgj]bg k|fKt ePsf] tLg sfo{lbg leq lgj]bg;fy k|fKt sfuhft
tyf lwtf]kq k|df0fkqsf] hfFra'em u/L cef}ltsLs/0f ug{ of]Uo ePdf cef}ltsLs/0fsf nflu
:jLs[t u/L ;f] sf] hfgsf/L lgIf]k ;b:onfO{ lbg]5 .
-%_ lgIf]k ;b:on] pkljlgod -$_ adf]lhd cef}ltsLs/0f ePsf] lwtf]kq ;DalGwt
lgj]bssf] vftfdf hDdf u/L ;f] sf] ljj/0f -:6]6d]06_ ;lxtsf] hfgsf/L ;DalGwt lgj]bsnfO{
lbg'kg]{5 .
-^_ ;DalGwt ;+ul7t ;+:yf jf /lhi6«f/ tyf x:tfGt/0f k|ltlglwn] pkljlgod -$_
adf]lhd hfFra'em ubf{ lwtf]kq cef}ltsLs/0fsf] nflu of]Uo gb]lvPdf ;f] sf] sf/0f v'nfO{
lgIf]k ;b:onfO{ hfgsf/L lbg'kg]{5 / ;f] hfgsf/L lgIf]k ;b:on] ;DalGwt lgj]bsnfO{
lbg'kg]{5 .
##
-s_ s'g} ;+ul7t ;+:yf jf /lhi6«f/ tyf x:tfGt/0f k|ltlglw jf lgIf]k ;b:on]
k4ltdf unt k|lji6 u/]sf] ljj/0f ?h' / k|dfl0ft u/L ;f] ;Rofpgsf nflu
l;l8P;l;df unt k|lji6L / ;Rofpg' kg]{ ljj/0f pNn]v u/L lgj]bg lbg
;Sg]5 . To:tf] lgj]bg k|fKt ePdf l;l8P;l;n] To:tf] lgj]bg hfFra'em ubf{
;xL 7xl/Pdf k|lt ;+zf]wg Ps ;o ?k}ofF z'Ns lnO{ q'6L ;Rofpgsf] nflu
;xdlt lbg ;Sg]5 .
@#= lwtf]kqsf] cef}lts ?kdf afF8kmfF6 M Ä-!_ lgisfzg tyf laqmL k|aGwsn] ;+ul7t ;+:yfsf]
lwtf]kqsf] ;fj{hlgs tyf cGo lgisfzg ug]{ qmddf cfj]bsn] cfj]bgdf pNn]v u/]sf]
lxtu|fxL vftf gDa/ tyf ljj/0f ?h' ug]{ k|of]hgsf nflu ;f] ;DaGwL ljj/0f ;lxt cg';"rL–
@! sf] a'Fbf g+=M# adf]lhdsf] k|f/lDes lgisfzg k|dfl0ft z'Ns a'emfO{ l;l8P;l;nfO{ cg'/f]w
ug]{5 .
-@_ pkljlgod -!_ adf]lhd cg'/f]w k|fKt ePdf l;l8P;l;n] ;DalGwt lxtu|fxLsf]
vftf gDa/ tyf ljj/0f lgisfzg tyf laqmL k|aGwsnfO{ pknAw u/fpg]5 .
Ä
-#_ ;+ul7t ;+:yfaf6 s'g} lxtu|fxLsf] gfddf cef}lts ?kdf lwtf]kq afF8kmfF8 ePsf]
hfgsf/L l;l8P;l;df k|fKt ePdf ;f] ;+ul7t ;+:yfaf6 l;l8P;l;n] cg';"rL–@! sf] a'Fbf
g+=M$ adf]lhdsf] k|f/lDes lgisfzg k|dfl0ft z'Ns lnO{ ;DalGwt lxtu|fxLsf] vftfdf To:tf]
lwtf]kq hDdf ul/lbg]5 / ;f] sf] hfgsf/L ;DalGwt lgIf]k ;b:onfO{ lbg]5 .
-$_ l;l8P;l;n] pkljlgod -#_ adf]lhd cef}lts ?kdf afF8kmfF6 ePsf] lwtf]kqsf
Ä klxnf] ;+zf]wg, @)^(
## bf];|f] ;+zf]wg, @)&# cg';f/ yk ul/Psf] . 
8
 
 ;DaGwdf To:tf] lxtu|fxLsf] kl/ro Pj+ cl:tTj :yflkt ug{ g;s]df To:tf] cg'/f]w OGsf/
u/L ;f] sf] hfgsf/L ;DalGwt ;+ul7t ;+:yfnfO{ lbg]5 .
##
-%_ ;+ul7t ;+:yfn] s'g} ;+:yfut nfe lxtu|fxLsf] vftfdf ljt/0f ubf{ l;l8P;l;n]
cg';"rL–@! adf]lhdsf] ;+:yfut nfe z'Ns lnO{ ;+ul7t ;+:yfn] k|lji6L u/]sf] ljj/0f ?h'
u/L :jLs[t ug]{5 .
##
-^_ lgisfzgstf{n] hf/L ug]{ xsk|b tyf af]g; z]o/ cef}lts[t ?kdf ;f]em}
lxtu|fxLsf] vftfdf k|bfg ug{, k|fylds lgisfzg cef}lts ?kdf hf/L ug{ lgisfzg tyf
laqmL k|aGwsnfO{ cfj]bssf] JolQmut ljj/0f tyf lxtu|fxL vftf gDa/ ;lhn} pknAw
u/fpg tyf ?h' ug{ l;l8P;l;n] pknAw u/fPsf] ;ˆ6j]o/ cg';"rL–@! adf]lhdsf] z'Ns
lt/L k|of]u ug{ ;Sg]5 .
@$= k'gMef}ltsLs/0fsf nflu lgj]bg lbg'kg]{ M -!_ lxtu|fxLn] cfkm\gf] vftfdf cef}lts ?kdf /x]sf]
;Dk"0f{ jf cf+lzs lwtf]kqsf] k'gMef}ltsLs/0f ug{ rfx]df cg';"rL–!& sf] 9fFrfdf cg';"rL–!$
adf]lhdsf] k'gMef}ltsLs/0f z'Ns ;lxt lgIf]k ;b:o ;dIf lgj]bg lbg' kg]{5 .
-@_ lxtu|fxLaf6 k'gMef}ltsLs/0fsf] nflu lgj]bg k|fKt ePdf lgIf]k ;b:on] hfFra'em
u/L lxtu|fxL vftfdf lwtf]kq sfod /x]sf] kfO{Pdf ;f] lgj]bg :jLsf/ ug]{5 / lxtu|fxLsf]
vftfdf k'gMef}ltsLs/0f ug'{ kg]{ lwtf]kqsf] ;+Vof /f]Ssf u/L l;l8P;l;nfO{ ;'lrt u/fpg'
kg]{5 .
#
-#_ lgIf]k ;b:on] lxtu|fxLaf6 lwtf]kqsf] k'gMef}ltsLs/0fsf] nflu cg'/f]w k|fKt eP
kl5 ;+ul7t ;+:yf jf ;DalGwt /lhi6«f/ tyf x:tfGt/0f k|ltlglwn] kGw| lbg leq s]Gb|Lo
lgIf]k k|0ffnLdf k|lji6 u/]sf] k'gMef}ltsLs/0fsf] cg'/f]w adf]lhd ?h' u/L lxtu|fxLsf] l8Dof6
vftfaf6 df}Hbft 36fO{ k'gMef}ltsLs/0f u/L cg';"rL–@& adf]lhdsf] 9fFrfdf lwtf]kqsf]
ef}lts k|df0fkq ;DalGwt lxtu|fxLnfO{ pknAw u/fO{ ;f] sf] hfgsf/L l;l8P;l;nfO{ lbg'
kg]{5 .
-$_ pkljlgod -#_ adf]lhdsf] cg'/f]w k|fKt eP kl5 ;+ul7t ;+:yf jf ;DalGwt
/lhi6«f/ tyf x:tfGt/0f k|ltlglwn] kGw| lbg leq ef}ltsLs/0f ul/Psf] lwtf]kqsf] k|df0fkq
;DalGwt lxtu|fxLnfO{ pknAw u/fO{ l;l8P;l;nfO{ hfgsf/L u/fpg'kg]{5 . o;/L hfgsf/L
k|fKt ePkl5 l;l8P;l;n] lgIf]k ;b:o / lxtu|fxLsf] vftfaf6 k'gMef}ltlss/0f ul/Psf]
lwtf]kq 36fpg]5 .
@%= vftf /f]Ssf tyf km's'jf M -!_ lxtu|fxLn] cfkm\gf] vftf /f]Ssf /fVg jf /f]Ssf /x]sf] vftf
km's'jf ug{ rfx]df cg';"rL–!$ adf]lhdsf] vftf /f]Ssf z'Ns ;lxt cg';"rL–!* sf] 9fFrfdf
lgIf]k ;b:o ;dIf lgj]bg lbg'kg]{5 .
-@_ pkljlgod -!_ adf]lhd vftf /f]Ssf jf k'ms'jfsf] lgj]bg k|fKt ePdf lgIf]k
;b:on] cfjZos hfFra'em u/L vftf /f]Ssf jf km's'jf ug]{5 / ;f] sf] hfgsf/L l;l8P;l;nfO{
lbg]5 .
-#_ o; ljlgoddf cGoq h'g;'s} s'/f n]lvPsf] ePtfklg g]kfn ;/sf/,cbfnt, af]8{
jf sfg"g cg';f/ clVtof/ k|fKt clwsf/Lsf] cfb]z adf]lhd l;l8P;l; jf lgIf]k ;b:on]
# bf];|f] ;+zf]wg, @)&# cg';f/ ;+zf]lwt ul/Psf] .
## bf];|f] ;+zf]wg, @)&# cg';f/ yk ul/Psf] .

9
 
 lxtu|fxLsf] vftf /f]Ssf /fVg ;Sg]5 .
-$_ pkljlgod -#_ adf]lhd vftf /f]Ssf /fVgsf nflu ;DalGwt lxtu|fxL olsg x'g]
u/L kl/ro v'Ng g;s]sf] cj:yfdf l;l8P;l; jf lgIf]k ;b:o vftf /f]Ssf ug{ afWo x'g]
5}g .
-%_ l;l8P;l;n] lgIf]k ;b:osf] cfkm\g} gfdaf6 vf]n]sf] vftf lgDg cj:yfdf /f]Ssf jf
km'Ssf ug{ lgb]{zg lbg ;Sg]5 M–
-s_ g]kfn ;/sf/, cbfnt, af]8{ jf cGo s'g} sfg"g adf]lhd clVtof/ k|fKt
lgsfon] k|rlnt sfg"g adf]lhd hf/L u/]sf] cfb]zdf pNn]v ePcg';f/,
-v_ lgIf]k ;b:o bfdf;fxLdf k/]df, 6f6 kN6]df jf lj36g x'g] ePdf,
-u_ C0f lbg] ;+:yfn] C0f c;'nL k|of]hgsf] nflu vftf /f]Ssf jf km'Ssf ug{
cg'/f]w u/]df .
-^_ g]kfn ;/sf/, cbfnt, af]8{ jf sfg"g cg';f/ clVtof/ k|fKt clwsf/Lsf] jf
lgsfon] vftf /f]Ssfsf] nflu hf/L u/]sf] cfb]z ab/ u/]df jf km's'jf ug{ cfb]z lbPdf pQm
vftf km's'jf ul/g]5 . t/ vftf /f]Ssf x'Fbf lxtu|fxLsf] tkm{af6 lgIf]k ;b:on] /f]Ssf lkmtf{
gu/];Dd vftfaf6 x6fpg] jf cGo s'g} sf/f]af/ ug]{ 5}g oBlk lgIf]k ;b:on] /f]Ssf vftfdf
;+:yfut ultljlw¢f/f k|fKt ;+:yfut nfe hDdf ug]{5 .
@^= lwtf] aGwsL ;DaGwL M -!_ lxtu|fxLsf] vftfdf /x]sf] lwtf]kqsf] lwtf] aGwsL lng] ;+:yfsf]
l;l8P;l;df vftf /x]sf] x'g'kg]{5 .
-@_ lwtf] aGwsL lng] ;+:yfn] lwtf] aGwsL lnvtsf] k|ltlnlk tyf cg';"rL–!$
adf]lhdsf] lwtf]kq aGwsL z'Ns ;lxt cg';"rL–!( sf] 9fFrfdf lgIf]k ;b:o ;dIf lgj]bg
lbg'kg]{5 .
-#_ pkljlgod -@_ adf]lhdsf] lgj]bg k|fKt u/]kl5 lgIf]k ;b:on] cfjZos hfFra'em
u/L lxtu|fxLsf] vftfdf /x]sf] lwtf]kq dfu eP adf]lhd /f]Ssf x'g] u/L Jojl:yt u/L lbg'
kg]{5 .
-$_ lwtf] aGwsL lng] ;+:yfaf6 lwtf] aGwsL vf/]h jf lgvg]sf] hfgsf/L glbP;Dd
>[lht lwtf] aGwsL k'ms'jf ul/g] 5}g .
-%_ lwtf] aGwsL lnvtsf] pNn+3g ePsf] kof{Kt cfwf/ ;lxt lwtf] aGwsL lng]
;+:yfn] lwtf] aGwsL /x]sf] lwtf]kq cfkm\gf] gfddf ;fg{ lgIf]k ;b:o ;dIf lgj]bg lbPdf
lgIf]k ;b:on] cfjZos hfFra'em u/L To:tf] lwtf]kq lwtf] aGwsL lng] ;+:yfsf] vftfdf
;fl/lbg]5 / ;f] sf] hfgsf/L ;DalGwt lxtu|fxLnfO{ lbg]5 .
@&= lxtu|fxLsf] vftf aGb M -!_ lxtu|fxLn] cfkm\gf] vftf aGb ug{ rfx]df cg';"rL–@) sf] 9fFrfdf
lgIf]k ;b:o ;dIf lgj]bg lbg' kg]{5 .
-@_ pkljlgod -!_ adf]lhd lgj]bg k|fKt ePdf lgIf]k ;b:on] pQm lxtu|fxLsf] vftfdf
lwtf]kq df}Hbft g/x]sf] tyf s'g} z'Ns jf b:t'/ e'QmfgL ug{ afFsL g/x]sf] olsg u/]/ vftf
aGb ul/lbg' kg]{5 .

10
 
 -#_ cfkm\gf] vftfdf lwtf]kq df}Hbft ePsf] lxtu|fxLsf] vftf aGb ug{sf nflu pQm
lwtf]kq k'gMef}ltsLs/0f u/]/ jf cGo lgIf]k ;b:o;Fu /x]sf] lghsf] vftfdf ;f/]/ dfq aGb
ug'{kg]{5 .
-$_ ljlgodfjnLdf h'g;'s} s'/f n]lvPsf] ePtfklg lxtu|fxLsf] vftfdf /x]sf] lwtf]kq
lwtf] aGwsL /x]sf] jf vftf /f]Ssf /x]sf] cj:yfdf lxtu|fxLsf] vftf aGb x'g] 5}g .
@*= lxtu|fxL;Fusf] ;Demf}tf ;dflKt M -!_ b]xfosf] s'g} cj:yf ePdf lgIf]k ;b:on] lxtu|fxL;Fusf]
;Demf}tf ;dfKt ug{ ;Sg]5 M–
-s_ o; ljlgodfjnL cg';f/sf] z'Ns jf b:t'/ e'QmfgL dfu ePsf] tL; lbgleq
e'QmfgL x'g g;s]df,
-v_ cef}ltsLs/0fsf] nflu k]z u/]sf k|df0fkq jf cGo lnvt lst]{ gSsnL ePdf
jf rf]l/Psf] ePdf jf lst]{af6 k|fKt ePsf] jf g]kfn ;/sf/, cbfnt, af]8{ jf
sfg"g cg';f/ clVtof/ k|fKt clwsf/L jf lgsfon] x:tfGt/0fdf /f]s nufPsf]
ePdf,
-u_ s'g} k|sf/sf] v/fa cfr/0f jf Jojxf/ ePaf6 lwtf]kqsf] lgIf]k ;]jf k|bfg ug{
pko'Qm gb]lvPsf] k|dfl0ft ePdf .
-@_ pkljlgod -!_ sf] v08 -s_ adf]lhdsf] cj:yf kl/ lgIf]k ;b:on] ;Demf}tf
;dfKt u/]sf]df lxtu|fxLaf6 lng'kg]{ z'Ns b:t'/ e'QmfgL lnO{ lghsf] OR5f cg';f/ lghsf]
vftfdf sfod /x]sf] lwtf]kq cGo lgIf]k ;b:o;Fu /x]sf] vftfdf x:tfGt/0f u/L jf
k'gMef}ltsLs/0f u/L ljlgoddf tf]lsPsf] tl/sf cg';f/sf] lxtu|fxLsf] vftf aGb ug{ ;Sg]5 .
-#_ lgIf]k ;b:on] s'g} sf/0f pNn]v gu/L ;Demf}tf ;dfKt u/]df jf lxtu|fxLsf] s'g}
uNtL geO{ lgIf]k ;b:osf] sf/0faf6 ;Demf}tf ;dfKt x'g uPdf cGo lgIf]k ;b:o;Fu /x]sf]
lxtu|fxLsf] vftfdf lwtf]kq x:tfGt/0f jf k'gMef}ltsLs/0f ubf{ nfu]sf] nfut z'Ns / vr{
lgIf]k ;b:on] Joxf]g'{ kg]{5 .
-$_ lxtu|fxL / lgIf]k ;b:o aLrsf] ;Demf}tf ;dfKt ePtfklg pQm ;Demf}tf ;dfKt
x'g' cl3 >[lht clwsf/ tyf bfloTjaf6 ;DalGwt kIfn] pGd'lQm kfpg] 5}g .

kl/R5]b–%
lwtf]kq x:tfGt/0f ;DaGwL Joj:yf
@(= lwtf]kq ahf/df sf/f]af/ ePsf lwtf]kqsf] x:tfGt/0f M #-!_ lwtf]kq ahf/df ePsf]
sf/f]af/sf] /fkm;fkm k|of]hgsf nflu lxtu|fxLn] cfˆgf] vftfaf6 lwtf]kq bnfnsf] /fkm;fkm
vftfdf jf k"j{ e'Qmfg vftf jf lwtf]kq bnfnsf] /fkm;fkm vftf dfkm{t\ l;l8P;l;df lwtf]kq
hDdf ug{sf nflu cg';"rL–@# adf]lhdsf] 9fFrfdf ;DalGwt lgIf]k ;b:onfO{ lgb]{zg k'hL{
hf/L ug'{ kg]{5 . ;DalGwt lxtu|fxLn] o; k|of]hgsf] nflu ljB'tLo ?kdf klg cg'/f]w ug{
;Sg]5 .
##
-s_ s'g} lgIf]k ;b:o jf ;b:o bnfnn] sf/f]af/sf] ;DaGwdf b]xfosf] s'g} q'6L
u/]df lghn] To:tf] q'6L ;Rofpgsf] nflu k|df0f ;lxt l;l8P;l;df lgj]bg
# bf];|f] ;+zf]wg, @)&# cg';f/ ;+zf]lwt ul/Psf] .
## bf];|f] ;+zf]wg, @)&# cg';f/ yk ul/Psf] .
11
 
 lbg' kg]{5 / To;/L k|fKt lgj]bgsf] hfFra'em ubf{ Joxf]/f ;fFrf] b]lvPdf
s}lkmotdf hgfO{ l;l8P;l;n] k|lt ;+zf]wg Ps ;o ?k}ofF z'Ns lnO{ q'6L
;Rofpg / cGo lxtu|fxLsf] vftfdf hDdf x'g uPsf] lwtf]kq ;DalGwt
lxtu|fxLsf] gfddf hDdf ug{ ;xdlt lbg ;Sg]5 .
!= s'g} Ps lxtu|fxLsf] vftfdf hDdf ug'{ kg]{ lwtf]kq cGo s'g} lxtu|fxLsf]
vftfdf hDdf x'g uPsf],
@= lxtu|fxLsf] gfd, gful/stf k|df0fkq gDa/, ;]6nd]G6 cfO{=8L=, cfO{ P;
cfO{ Pg, z]o/ ;+Vof pNn]vgdf q'6L ePdf,
#= k4ltdf pNn]v ug'{ kg]{ lxtu|fxL kl/ro gDa/ unt pNn]v u/L k|lji6
ePsf],
$= SnfOG6sf]8 bf]xf]/f] x'g] u/L k|lji6L ePsf],
%= btf{ lstfa aGbsf] ;dodf /fkm;fkm ;b:on] ;DalGwt vl/bstf{sf]
vftfdf z]o/ x:tfGt/0f ug'{ kg]{df s'g} ;+ul7t ;+:yfn] hf/L u/]sf]
;+:yfut nfe /fkm;fkm vftfdf hDdf u/]sf] .
-@_ lgIf]k ;b:on] pkljlgod -!_ adf]lhd k|fKt lgb]{zg k'hL{sf] cfjZos hfFra'em u/L
lgb]{zg k'hL{df pNn]v eP adf]lhdsf] cfb]z s]Gb|Lo lgIf]k k|0ffnLdf k|lji6L u/L ;DalGwt
lwtf]kq bnfnsf] /fkm;fkm vftf jf k"j{ e'Qmfg vftf jf l;l8P;l;sf] /fkm;fkm vftfdf hDdf
ug'{kg]{5 .
-#_ lgIf]k ;b:on] pkljlgod -@_ adf]lhd cfb]z k|ljli6 ug'{ cl3 pQm lxtu|fxLsf]
vftfdf cfjZos lwtf]kqsf] df}Hbft /x]sf] olsg ug'{ kg]{5 .
-$_ lwtf]kq bnfnn] sf/f]af/ ;DkGg eP kZrft\ /fkm;fkm vftfdf hDdf x'g cfPsf
lwtf]kqx? /fkm;fkmsf] nflu lgwf{/0f ul/Psf] ;do leq /fkm;fkmsf nflu vf]lnPsf]
l;l8P;l;sf] vftfdf hDdf ug'{kg]{5 .
-%_ pkljlgod -$_ df h'g;'s} s'/f n]lvPsf] eP tfklg lwtf]kq bnfnn] cg';"rL–@#
adf]lhdsf] 9fFrfdf lgb]{zg k'hL{ hf/L u/L /fkm;fkm k|of]hgsf nflu k|fKt lwtf]kq lgwf{l/t
;do cufj} /fkm;fkm vftfaf6 36fO{k"j{ e'Qmfg vftfdf hDdf ug{ ;Sg]5 .
-^_ lwtf]kq sf/f]af/sf] /fkm;fkm ;DkGg ePkZrft\ l;l8P;l;n] /fkm;fkmsf nflu
vf]lnPsf] vftfdf /x]sf lwtf]kqx? ;DalGwt vl/bstf{ lwtf]kq bnfnsf] /fkm;fkm vftfdf
hDdf u/L lbg]5 .
#
-&_ pkljlgod -^_ adf]lhd vl/bstf{ lwtf]kq bnfnsf] /fkm;fkm vftfdf k|fKt
lwtf]kqx? ;DalGwt v/Lbstf{ lxtu|fxLsf] vftfdf hDdf ug{sf nflu cg';"rL–@# adf]lhdsf]
9fFrfdf ;DalGwt lgIf]k ;b:onfO{ lgb]{zg k"hL{ hf/L ug'{ kg]{5 . To;/L k|fKt lgb]{zg k"hL{
adf]lhd lgIf]k ;b:on] lxtu|fxLsf] vftfdf lwtf]kq hDdf ul/lbg' kg]{5 jf vl/bstf{ lwtf]kq
bnfnn] cfˆgf] /fkm;fkm vftfdf k|fKt lwtf]kqx? ;DalGwt vl/bstf{ lxtu|fxLsf] vftfdf
hDdf ug{ ljB'tLo ?kdf klg lgb]{zg lbg ;Sg]5 .
# bf];|f] ;+zf]wg, @)&# cg';f/ ;+zf]lwt ul/Psf] .

12
 
 t/, lwtf]kq bnfnn] l;l8P;l;sf] /fkm;fkm vftfaf6 ;DalGwt lxtu|fxLsf] vftfdf
lwtf]kq ;f]em} hDdf ug{ rfx]df ;f]xL adf]lhdsf] Joxf]/f vf]nL l;l8P;l;df lgj]bg lbO{
l;l8P;l;sf] :jLs[ltdf lxtu|fxLsf] vftfdf hDdf ug{ ;Sg]5 .
-*_ lwtf]kq bnfnsf] /fkm;fkm vftfdf l;l8P;l;sf] /fkm;fkm vftfaf6 hDdf x'g
cfPsf] lwtf]kq ;DalGwt lxtu|fxLsf] vftfdf hDdf ug'{kg]{ ;DaGwdf lglZrt ;dofjwL tf]sL
;do ;dodf l;l8P;l;n] lwtf]kq bnfnnfO{ lgb]{zg lbg ;Sg]5 .
-(_ lxtu|fxL]n] cfkm\gf] bfloTj k'/f gu/]sf] sf/0faf6 lwtf]kq bnfnn] pkljlgod -&_
adf]lhd lxtu|fxLsf] vftfdf lwtf]kq hDdf ug{ g;Sg] cj:yf cfPdf To:tf] lwtf]kq pQm
bnfnn] cfkm\gf] lgIf]k ;b:onfO{ lgb]{zg k'hL{ hf/L u/L cfkm\gf] c:yfoL /fkm;fkm vftfdf
hDdf ug'{kg]{5 / ;f] ug'{sf] sf/0f v'nfO{ l;l8P;l; / lwtf]kq ahf/nfO{ hfgsf/L lbg' kg]{5 .
-!)_ lxtu|fxLn] cfkm\gf] bfloTj k'/f u/] kZrft\ pkljlgod -(_ adf]lhd lwtf]kq
bnfnn] cfˆgf] c:yfoL /fkm;fkm vftfdf hDdf u/]sf] lwtf]kq ;DalGwt lxtu|fxLnfO{ pknAw
u/fO{ ;f] sf] hfgsf/L l;l8P;l; / lwtf]kq ahf/nfO{ lbg' kg]{5 .
-!!_ lwtf]kq bnfnsf] /fkm;fkm vftf jf c:yfoL /fkm;fkm vftfdf s'g} lxtu|fxLn] k|fKt
ug'{ kg]{ ;+:yfut nfehDdf x'g cfPdf ;DalGwt lxtu|fxLsf] vftfdf ;f] nfe hDdf u/fpg]
lhDd]jf/L ;DalGwt lwtf]kq bnfnsf] x'g]5 / o;/L hDdf u/]sf] ;DaGwdf
l;l8P;l;nfO{hfgsf/L lbg' kg]{5 .
-!@_ lwtf]kq ahf/df sf/f]af/sf nflu lwtf]kq bnfnsf] /fkm;fkm vftfdf hDdf ePsf
lwtf]kq lwtf]kq ahf/df sf/f]af/ x'g g;s]df lwtf]kq bnfnn];DalGwt lxtu|fxLsf] vftfdf
lkmtf{ ul/lbg' kg]{5 .
#)= cGo x:tfGt/0f M -!_ lwtf]kq ahf/df ;"rLs[t gePsf jf lwtf]kq ahf/sf] sf/f]af/ k2lt
aflx/ sf/f]af/ ug{ :jLs[tL k|fKt lwtf]kqsf] sf/f]af/ ePdf To:tf] lwtf]kqsf] x:tfGt/0fsf
nflu ;DalGwt lwtf]kq Joj;foL jf lxtu|fxLn] cg';'rL–@$ sf] 9fFrfdf lgIf]k ;b:o ;dIf
lgj]bg k]z ug'{ kg]{5 .
-@_ pkljlgod -!_ adf]lhdsf] lgj]bgdf b]xfosf ljj/0f tyf sfuhft ;+nUg ug'{
kg]{5 .
-s_ b'j} kIf aLr vl/b laqmL ePsf] tyf n]gb]g ePsf k'i6fO{F ug]{ sfuhft,
-v_ dfu ul/Psf] cGo cfjZos sfuhftx? .
-#_ pkljlgod -!_ adf]lhd k|fKt lgj]bg pk/ cfjZos hfFra'em u/L lgIf]k ;b:on]
lwtf]kq x:tfGt/0fsf] Joj:yf ug]{5 .
-$_ 3/fo;L gfd;f/L, c+za08faf6 k|fKt lwtf]kq, cbfntsf] lg0f{oaf6 xs x'g cfPsf
lwtf]kq tyf lwtf]kq wgLsf] d[To' kZrft\ xsjfnfdf ;g]{ lwtf]kqsf] x:tfGt/0fsf nflu
;DalGwt kIfn] cg';"rL–@% -s_ jf @% -v_ adf]lhd lgj]bg tyf z'Ns ;lxt lgIf]k ;b:o
;dIf lgj]bg lbg'kg]{5 .
-%_ pkljlgod -$_ adf]lhdsf] lgj]bgsf;fy b]xfosf] ljj/0f tyf sfuhft ;d]t
;+nUg ug'{kg]{5,

13
 
 -s_ c+za+8faf6 k|fKt lwtf]kqsf] x:tfGt/0fsf] nflu b]xfo cg';f/sf sfuhftx?
@÷@ k|lt k]z ug'{ kg]{5 M
!= lng] lbg]sf] gful/stf k|df0fkqsf] k|dfl0ft k|ltlnlk,
@= dfnkf]t sfof{noaf6 kf; ePsf] lnlvt k|dfl0ft k|ltlnlk,
#= dfu ul/Psf] cGo cfjZos k|dfl0ftsfuhft .
-v_ d[To' gfd;f/L ug{sf] nflu b]xfo adf]lhdsf sfuhftx? @÷@ k|lt k]z ug'{
kg]{5 M
!= d[To' btf{ k|df0fkqsf] k|dfl0ft k|ltlnlk,
@= d[tssf] gful/stf k|dfl0ft k|ltlnlk,
#= xsjfnfsf] gful/stf k|df0fkqsf] k|dfl0ft k|ltlnlk,
$= gftf k|dfl0ft k|df0fkqsf] k|dfl0ft k|ltlnlk,
%= xsjfnfsf] d~h'/Lgfdf .
-u_ Psf3/ kl/jf/ leqsf] tLg k':tf leq 3/fo;L gfd;f/L ug{sf] nflu b]xfo
adf]lhdsf sfuhftx? @÷@ k|lt k]z ug'{ kg]{5 M
!= z]o/ gfd;f/L u/L lng] tyf z]o/ gfd;f/L u/L lbg] b'j}sf] lgj]bg,
@= # -tLg_ k':tf leqsf] kl/jf/ b]lvg] sfuhft,
#= z]o/ lng] tyf lbg] b'a}sf] gful/stf k|df0f–kqsf] k|ltlnlk,
$= z]o/sf] ;Ssn k|df0fkq,
%= z]o/ lng] tyf lbg] aLrsf] gftf k|dfl0ft x'g] k|df0fkqsf] k|ltlnlk,
-3_ cbfntsf] km};nfaf6 xs x'g cfpg]sf nflu b]xfo adf]lhdsf] sfuhftx?
@÷@ k|lt k]z ug'{ kg]{5 M
!= km};nfsf] k|dfl0ft k|ltlnlk,
@= xssfod u/fO{ Nofpg]sf] gful/stf k|df0fkqsf] k|dfl0ft k|ltlnlk,
#= cbfntsf] rnfg k'hL{ .
-^_ pkljlgod -$_ adf]lhd k|fKt lgj]bg pk/ cfjZos hfFra'em u/L lgIf]k ;b:on]
k|0ffnLdf lgj]bg cg';f/ k|lji6L ug'{ kg]{5 .

kl/R5]b–^
clen]v tyf ljj/0f k|jfx
#!= clen]v /fVg'kg]{ M -!_ k|To]s lgIf]k ;b:on] b]xfo adf]lhdsf] clen]v / sfuhft Jojl:yt
/fVg' kg]{5 M–
-s_ lxtu|fxLsf] klxrfg ;DaGwL ljj/0f tyf ;f] sf] k'li6 ug]{ sfuhft,
-v_ lwtf]kqsf] ef}ltlss/0f tyf cef}ltlss/0f ;DaGwL ljj/0f / lxtu|fxLnfO{
pknAw u/fOPsf] vftfsf] ljj/0fx?,

14
 
 -u_ k|To]s lxtu|fxLsf] tkm{af6 l;l8P;l;df ePsf] sf/f]af/sf] clen]v tyf
sf/f]af/sf nflu k|fKt lgj]bg cfb]z,
-3_ lwtf] aGwsL, vftf /f]Ssf tyf km's'jf, vftf aGb tyf vf/]h ;DaGwL ljj/0f,
-ª_ lgIf]k ;b:on] l;l8P;l; tyf cGo ;/f]sf/jfnf;Fu u/]sf sf/f]af/ ;DaGwL
ljj/0f tyf clen]v,
-r_ lxtu|fxL vftf ;+rfng ;DaGwdf l;l8P;l;n] ;do ;dodf tf]lslbPsf cGo
ljj/0f tyf clen]v .
-@_ lgisfzgstf{ ;+ul7t ;+:yf jf ;DalGwt /lhi6«f/n] cfkm'n] lgisfzg u/]sf]
lwtf]kqsf] cef}ltlss/0f tyf ef}ltlss/0f ;DaGwL ljj/0fsf] ?h' u/L clen]v /fVg' kg]{5 .
-#_ lgIf]k ;b:on] clen]v / sfuhftx? sDtLdf kfFr jif{ ;Dd ;'/lIft /fVg' kg]{5 .
t/, lgIf]k ;b:on] lxtu|fxLsf] klxrfg ;DaGwL ljj/0f ;w}sf nflu ;'/lIft /fVg'kg]{5 .
#@= lx;fa ldnfg M -!_ l;l8P;l;n] lgIf]k ;b:o / lgisfzgstf{ ;+ul7t ;+:yf jf ;DalGwt
/lhi6«f/sf] sf/f]af/sf] lx;fa ldnfgsf nflu ;xhLs/0f ug]{5 .
-@_ lgIf]k ;b:on] b}lgs ?kdf cfkm\gf] sf/f]af/sf] ?h' u/L lx;fj ldnfg ug'{kg]{5 .
-#_ l;l8P;l;n] lgisfzgstf{ ;+ul7t ;+:yf / ;DalGwt /lhi6«f/nfO{ k|To]s lbgsf]
cGtdf cef}lts/0fdf sfod /x]sf] df}Hbft ljj/0fsf] hfgsf/L lbg]5 .
-$_ lgisfzgstf{ ;+ul7t ;+:yf jf ;DalGwt /lhi6«f/n] pkljlgod -#_ adf]lhdsf]
ljj/0f ?h' tyf lx;fa ldnfg u/L lwtf]kq ;DaGwL ljj/0f cBfjlws agfO{ /fVg' kg]{5 .
-%_ lwtf]kqsf] lgIf]k jf x:tfGt/0f ;DaGwdf lgIf]k ;b:oaf6 e'nj; s'g} q'6Lk"0f{
sfo{ ePdf l;l8P;l;n] ;f] q'6LnfO{ ;Rofpg nufpg ;Sg]5 / o:tf] sfo{af6 lxtu|fxLnfO{
s'g} cfly{s xfgL gf]S;fgL ePdf l;l8P;l;n] pQm lgIf]k ;b:oaf6 ;f] xfgL gf]S;fgL k'/f ug{
nufpg ;Sg]5 .
-^_ s'g}klg lxtu|fxLsf] vftfdf lgIf]k ;b:osf] tkm{af6 q'l6k"0f{ sf/f]af/ jf s'g} q'l6
e'nr's jf x]nr]qmofFO{sf] sf/0faf6 vftfdf ;Gt'ng 36]df l;l8P;l;n] pQm lgIf]k ;b:onfO{
;f] adf]lhdsf] lwtf]kq k"/f ug{ nufpg ;Sg]5 .
-&_ pkljlgod -%_ adf]lhd lwtf]kq k'/f ug{ nufPsf] cj:yfdf ahf/df pQm lwtf]kq
pknJw gePdf l;l8P;l;n] pQm lwtf]kqsf] tTsflng ahf/ d"NonfO{ ;d]t cfwf/ dfgL
;DalGwt lxtu|fxLnfO{ gub e'QmfgL lbg nufpg ;Sg]5 .
-*_ lgIf]k ;b:o / lgisfzgstf{ ;+ul7t ;+:yf jf /lhi6«f/n] o; ljlgod tyf ljlgod
adf]lhdsf ;Demf}tf cg';f/sf sfo{ gu/]af6 lxtu|fxLnfO{ xfgL gf]S;fgL k'Ug uPdf ;f] sf]
lhDd]jf/L ;DalGwt lgIf]k ;b:o / lgisfzgstf{ ;+ul7t ;+:yf jf /lhi6«f/sf] x'g]5 .
##= ljj/0f tyf hfgsf/Lx? k]z ug'{kg]{ M lgIf]k ;b:on] l;l8P;l; ;dIf b]xfosf ljj/0f tyf
hfgsf/Lx? k]z ug'{kg]{5,
-s_ lgodfjnLsf] lgod -@*_ adf]lhdsf] n]vf kl/If0f k|ltj]bg tyf jflif{s
k|ltj]bg,
-v_ n]vf kl/Ifssf] lgo'QmL u/]sf]df !% -kGw|_ lbg leq ;f] sf] hfgsf/L,

15
 
 -u_ sfof{no 7]ufgf, ;+rfns, sfo{sf/L k|d'v tyf sDkgL ;lrj kl/jt{g ePdf
o;/L kl/jt{g ePsf] tLg sfo{ lbg leq ;f] ;DaGwL hfgsf/L,
-3_ sfg"g kfngf clwsf/Lsf] lgo'QmL tyf kl/jt{g;DaGwL hfgsf/L,
-ª_ lxtu|fxLaf6 k|fKt u'0ff;f tyf ;f] sf] ;dfwfg;DaGwL hfgsf/L,
-r_ lwtf]kq lgIf]k tyf sf/f]af/ ;+rfng ;DaGwdf l;l8P;l;n] ;do ;dodf dfu
u/]sf cGo ljj/0fx?,
-5_ lwtf]kq ahf/sf] ;b:o /x]sf lgIf]k ;b:osf] ;b:otf lwtf]kq ahf/n] :yug,
lgnDag jf vf/]h u/]df ;f] ;DaGwL hfgsf/L,
-h_ k|To]s lgisfzgstf{n] l;l8P;l;df lwtf]kq btf{ u/]kl5 lwtf]kq btf{ lstfa
aGb x'g] ldlt, bflvn vf/]h ldlt, nfef+; jf Aofh e'QmfgL ldlt, ;fwf/0f
;ef x'g] ldlt, lwtf]kqsf] /sd lkmtf{ jf C0fkqsf] cjlw ;dfKt x'g] ldlt,
lwtf]kq kl/0ft ldlt, jf/]G6 sfof{Gjog x'g] ldlt cflb ;DaGwdf l;l8P;l;n]
;do ;dodf dfu u/] adf]lhd pknAw u/fpg' kg]{5 .
t/, g]kfn ;/sf/ jf g]kfn /fi6« a}+saf6 hf/L lwtf]kqsf] ;DaGwdf o; v08sf] Joj:yf
nfu' x'g] 5}g .

kl/R5]b–&
lgl/If0f tyf cg'udg
#$= lg/LIf0f tyf cg'udg ug]{ M -!_ lgIf]k ;b:on] P]g, lgod, ljlgod, lgb]{lzsf tyf lgb]{zg
adf]lhd lwtf]kq lgIf]k ;DaGwL Joj;fo ;+rfng u/] gu/]sf] ;DaGwdf l;l8P;l;n] lgl/If0f
tyf cg'udg ug]{5 .
-@_ l;l8P;l;n] b]xfosf ;DaGwdf lgIf]k ;b:osf] :ynut tyf u}/:ynut lgl/If0f
ug]{5,
-s_ lx;fa lstfasf] clen]v tyf ljj/0fx? Jojl:yt ?kdf /fv] g/fv]sf]
;DaGwdf,
-v_ lgIf]k ;b:osf] lqmofsnfk;Fu ;DalGwt lxtu|fxL cGo lgIf]k ;b:o jf cGo
JolQmaf6 k|fKt u'0ff;f tyf ph'/Lsf] ;dfwfgsf ;DaGwdf,
-u_ lgIf]k ;b:osf dfldnf jf lqmofsnfk ;DaGwdf pTkGg kl/l:yltsf sf/0fn]
plrt nfu]sf] ljifo .
-#_ pkljlgod -@_ adf]lhd lgl/If0fsf nflu l;l8P;l;n] cfjZos ePdf lgIf]k
;b:o;Fu ;Da4 g/x]sf afXo lj1 ;d]t lgo'Qm ug{ ;Sg]5 .
-$_ o; ljlgod adf]lhd l;l8P;l;n] lgl/If0f tyf cg'udg ubf{ ;DalGwt lgIf]k
;b:onfO{ k'j{ ;'rgf lbO{ jf glbO{ ug{ ;Sg]5 .
-%_ l;l8P;l;n] o; ljlgod adf]lhd lgl/If0f tyf cg'udg ubf{ lgl/If0f 6f]nLn] dfu
u/] adf]lhdsf] sfuhft, ljj/0f tyf lwtf]kq lgIf]k;Fu ;DalGwt lx;fj lstfa, tYof+s tyf

16
 
 clen]v cflb a'emfpg' tyf lg/LIf0f sfo{df s'g} afwf lj/f]w v8f gu/L cfjZos ;xof]u ug'{
lgIf]k ;b:o, o;sf kbflwsf/L tyf sd{rf/Lx?sf] bfloTj x'g]5 .
-^_ o; ljlgod adf]lhd :ynut lgl/If0f ubf{ lg/LIf0f ;DkGg ePsf] kGw| sfo{ lbg
leq ;f] ;DaGwL k|ltj]bg tof/ ug'{kg]{5 .
-&_ lg/LIf0f tyf cg'udgdf ;+nUg clwsf/Ln] lgl/If0f tyf cg'udgsf qmddf k|fKt
ljj/0f tyf hfgsf/Lx?sf] k"0f{ ?kdf uf]Kotf sfod /fVg' kg]{5 . t/, sfg"g adf]lhd
sfo{fGjog ug]{ lgsfon] dfu u/]sf] cj:yfdf pQm hfgsf/L, ljj/0f tyf k|ltj]bg pknAw
u/fpg ;Sg]5 .

kl/R5]b–*
cg'zf;g tyf sf/jfxL ;DaGwL Joj:yf
#%= cg'zf;g tyf sf/jfxL M -!_ l;l8P;l;n] lgIf]k ;b:onfO{ b]xfo cg';f/sf] Ps jf Ps eGbf
a9L sf/jfxL ug{ ;Sg]5,
-s_ ;r]t u/fpg],
-v_ ;'wf/fTds sfo{sf nflu lgb]{zg lbg],
-u_ lxtu|fxL vftf vf]Ng /f]s nufpg]],
-3_ lgIf]k ;b:otf lgnDag jf vf/]h ug]{ .
-@_ pkljlgod -!_ adf]lhd sf/jfxL ug'{ cl3 sDtLdf & -;ft_ lbgsf] ;dofjwL tf]ls
:kli6s/0f dfu ug'{kg]{5 .
t/, pkljlgod -!_ sf] v08 -s_ / -v_ adf]lhdsf] sf/jfxL ubf{ :kli6s/0f dfu
ug{ clgjfo{ x'g] 5}g .
#^= lgIf]k ;b:osf] lgnDag M-!_ l;l8P;l;n] b]xfosf] cj:yfdf lgIf]k ;b:onfO{ a9Ldf 5
dlxgfsf nflu lgnDag ug{ ;Sg]5 M–
-s_ lgodfjnLsf] lgod @) adf]lhdsf] of]Uotf sfod gePsf] b]lvPdf,
-v_ lgIf]k ;b:on] af]8{ jf l;l8P;l;sf] lgb]{zg af/Daf/ pn+3g u/]df,
-u_ lgIf]k ;b:on] P]g, lgod, ljlgod tyf lgb]{lzsf / o; ljlgodfjnL
adf]lhdsf] ;Demf}tfdf /x]sf k|fjwfgx?sf] kfngf gu/]df .
-@_ pkljlgod -!_ adf]lhd lgnDag ePdf lgIf]k ;b:osf] cj:yf b]xfo adf]lhd
x'g]5 M–
-s_ lgIf]k ;b:osf] x}l;otn] l;l8P;l;af6 k|fKt ug]{ ;Dk"0f{ clwsf/af6 jl~rt /
aGb]h x'g]5,
-v_ lgIf]k ;b:o lgnDagdf /xFbf lghsf] lgnDagsf] sf/0fn] lxtu|fxLsf]
clwsf/nfO{ s'g} k|efj kfg]{ 5}g,
-u_ lgIf]k ;b:osf] lgnDagsf] sf/0fn] cGo s'g} klg lgIf]k ;b:o / lgh pk/
s'g} klg bfjL ug]{ clwsf/nfO{ k|efj kfg]{ 5}g,

17
 
 -3_ lgIf]k ;b:osf] lgnDagn] lwtf]kq aGwsL /fVg] lxtu|fxLsf] tk{maf6 lwtf]kq
aGwsL lng]sf] clwsf/df s'g} k|efj kfg]{ 5}g,
-ª_ lgIf]k ;b:on] lgnDagdf /x]sf] cjlwdf l;l8P;l;sf] lgb]{zg adf]lhd afFsL
/x]sf] bfloTj tyf lhDd]jf/L k"/f ug'{ kg]{5 .
-r_ lgIf]k ;b:on] lgnDag cjlwe/ l;l8P;l;;Fu jf cGo lgIf]k ;b:o dfkm{t\
Joj;flos sf/f]af/ ug{ kfpg] 5}g,
-5_ lgIf]k ;b:o lgnDagdf /x]sf] cj:yfdf lxtu|fxLnfO{ cGo lgIf]k ;b:osf]
vftfdf lwtf]kq x:tfGt/0f ug{ jf lwtf]kqsf] k'gM ef}ltsLs/0f ug]{ cj;/
x'g]5 .
#&= lgIf]k ;b:otf vf/]h M -!_ b]xfosf cj:yfdf l;l8P;l;n] lgIf]k ;b:osf] ;b:otf vf/]h ug{
af]8{df l;kmfl/z ug{ ;Sg]5 M–
-s_ ;'wf/fTds sfo{sf nflu lgb]{zg lbP adf]lhd ;'wf/ ug{ g;s]df,
-v_ 5 dlxgf;Dd lgnDag km's'jf x'g g;ls sf/f]af/ ;+rfng ug{ g;Sg] cj:yf
;[hgf ePdf,
-u_ lgIf]k ;b:on] ;b:otf vf/]h ug{sf nflu l;l8P;l; ;dIf cg'/f]w u/]df,
-3_ lgIf]k ;b:o bfdf;fxLdf k/]df,
-ª_ hfgfhfgL lgIf]k k|0ffnLdf xfgL gf]S;fgL k'ofpg] sfo{ u/]sf] k|df0fLt ePdf,
-r_ lxtu|fxLsf] vftfdf /x]sf] lwtf]kq lxtu|fxLsf] cfb]z ljgf cGo vftfdf
x:tfGt/0f ug]{ sfo{ u/]df,
-5_ hfgLhfgL lxtu|fxLnfO{ xfgL gf]S;fgL k'ofpg] sfo{ u/]df,
-h_ lgIf]k ;b:on] P]g, lgod, ljlgod tyf lgb]{lzsf / o; ljlgodfjnL
adf]lhdsf] ;Demf}tfdf /x]sf k|fjwfgx?sf] af/Daf/ pn+3g u/]df .
-@_ pkljlgod -!_ adf]lhd vf/]h k|s[of cufl8 a9]sf] cj:yfdf lgIf]k ;b:osf]
;b:otf :jtM lgnDag x'g]5 .
-#_ pkljlgod -!_ adf]lhd ;b:otf vf/]h ug'{cl3 l;l8P;l;n] pQm lgIf]k ;b:osf]
bfoLTj k'/f ug{ nufpg' kg]{5 .
-$_ o; ljlgodfjnL adf]lhd ;b:onfO{ lgnDag ug'{ cl3 sDtLdf kGw| lbgsf] Dofb
lbO{ ;kmfO{ k]z ug]{ df}sf k|bfg ul/g]5 .
#*= sf/jfxLsf] hfgsf/L u/fpg'kg]{ M -!_ l;l8P;l;n] o; ljlgodfjnL adf]lhd lgIf]k ;b:onfO{
s'g} sf/jfxL u/]sf] cj:yfdf ;f] sf] hfgsf/L lgIf]k k|0ffnLdf cfj4 kIfx?nfO{ u/fpg' kg]{5,
t/, lgIf]k ;b:osf] ;b:otf vf/]h ePsf] cj:yfdf eg] l;l8P;l;n] ;f] ;DaGwdf
/fli6«o:t/sf] b}lgs klqsfdf ;'rgf k|sflzt u/L ;fj{hlgs ?kdf hfgsf/L u/fpg' kg]{5 .
-@_ l;l8P;l;n] lgIf]k ;b:o pk/ s'g} sf/jfxL u/]df To:tf] sf/jfxLsf] af/]df
af]8{nfO{ tTsfn hfgsf/L u/fpg' kg]{5 .

18
 
 kl/R5]b–(
dWo:ytf ;ldlt ;DaGwL Joj:yf
#(= dWo:ytf ;ldltsf] u7g M -!_ l;l8P;l;, lgIf]k ;b:o, lgisfzgstf{ ;+ul7t ;+:yf, /lhi6«f/
nufot ;DalGwt cGo kIfx? aLr lwtf]kqsf] s]Gb|Lo lgIf]k tyf /fkm;fkm ;]jf ;DaGwL ljjfb
pTkGg ePdf pQm ljjfb ;dfwfgsf nflu Ps dWo:ytf ;ldlt u7g x'g]5 .
-@_ pkljlgod -!_ adf]lhdsf] dWo:ytf ;ldltdf sDtLdf tLg hgf ;b:ox? /xg]
5g\,
-s_ ljjfb pTkGg ePsf k|To]s kIfaf6 Ps Ps hgf k|ltlglw,
-v_ l;l8P;l;af6 Ps hgf k|ltlglw .
-#_ pkljlgod -@_ adf]lhd ul7t ;ldltsf ;b:ox?sf] ;xdltdf s'g} Ps :jtGq
JolQmnfO{ ;ldltsf] k|d'vsf] ?kdf sfo{ ug{sf nflu lgo'Qm ug'{kg]{5 .
-$_ dWo:ytf ;ldltsf] ;lrjfno l;l8P;l;df /xg]5 / ;lrjfnon] dWo:ytf
;ldltsf] sfd sf/jfxLsf nflu cfjZos vr{ ljjfb pTkGg ePsf kIfx?af6 ;+sng ug]{5 .
$)= lg0f{o ug'{kg]{ cjlw M dWo:ytf ;ldlt u7g ePsf] Ps dlxgf leq dWo:ytf ;ldltn] ljjfb
;dfwfg ;DaGwdf lg0f{o ul/;Sg' kg]{5 . pQm ;dofjwL leq lg0f{o x'g g;]s]df ;+rfns
;ldltn] dWo:ytf ;ldltsf] cg'/f]wdf pko'Qm ;dofjwL yk ug{ ;Sg]5 .
$!= ;ldltsf] lg0f{o M -!_ dWo:ytf ;ldltn] k|To]s lg0f{o lnlvt ?kdf /fVg'kg]{5 / dWo:ytf
;ldltsf k|To]s ;b:on] ;f] lg0f{odf b:tvt u/]sf] x'g'kg]{5 .
-@_ dWo:ytf ;ldltsf] lg0f{odf lg0f{osf] cfwf/ tyf sf/0f / lg0f{o ePsf] ldlt /
:yfg ;d]t pNn]v ePsf] x'g'kg]{5 .
-#_ pkljlgod -!_ adf]lhd dWo:ytf ;ldltn] u/]sf] lg0f{o To:tf] lg0f{o ePsf] ;ft
sfo{ lbg leq ;DalGwt kIfx?nfO{ pknAw u/fpg' kg]{5 .
$@= dWo:ytf ;ldltsf] sfo{ ljlw M -!_ dWo:ytf ;ldltsf] sfd sf/jfxL ;DaGwL sfo{ ljlw
;ldlt cfkm+}n] lgwf{/0f u/] adf]lhd x'g]5 .
-@_ pkljlgod -!_ adf]lhd lgwf{/0f u/]sf] sfo{ ljlw dWo:ytf ;ldltn] sfo{ ;'? ug'{
cl3 hfgsf/Lsf nflu l;l8P;l; ;dIf k]z ug'{kg]{5 .
-#_ pkljlgod -@_ adf]lhd k|fKt sfo{ ljlw ;DaGwdf cfjZos b]v]df l;l8P;l;n]
;+zf]wg jf ;'wf/ ug{ dWo:ytf ;ldltnfO{ lgb]{zg lbg ;Sg]5 .
$#= sf/jfxLsf] clen]v / k|df0f pk/ ljrf/ ug]{ M o; ljlgod adf]lhd u7g ePsf] dWo:ytf
;ldltsf] s'g} ;b:osf] d[To' ePdf, x]nr]qmofFO{ u/]df, OGsf/ u/]df, ;+rfns ;ldltn] To:tf]
;b:osf] :yfgdf gofF ;b:o lgo'Qm u/L lghn] k|df0fsf] cfwf/df afFsL sfo{ ug{ jf ;'? b]lv
g} sf/jfxL ug{ ;Sg]5 .
$$= kIf jf ;DalGwt k|ltlglwnfO{ lg0f{o aGwgsf/L x'g] M dWo:ytf ;ldltaf6 ePsf] lg0f{odf
pNn]lvt ;a} s'/fsf] kIfx?n] kfngf ug{' kg]{5 . dWo:ytf ;ldtLaf6 ePsf] lg0f{o o;
ljlgodfjnLn] Joj:yf u/] cg'?k k'g/fj]bg gk/]df kIfx?sf] nflu clGtd / aGwgsf/L x'g]5

19
 
 . lg0f{o x'g' k'j{ jf kZrft s'g} kIfsf] d[To' jf sfg"gL c;Ifdtfn] ljjfbsf ljifodf ePsf]
lg0f{o vf/]h x'g]5}g .
$%= k'g/fj]bgsf] clwsf/ M dWo:ytf ;ldltsf] lg0f{o lrQ ga'em\g] kIfn]] k|rlnt sfg"g adf]lhd
;DalGwt cbfntdf k}+tL; lbg leq k'g/fj]bg ug{ ;Sg]5 .

kl/R5]b–!)
ljljw
$^= pks/0fx?sf] cef}ltsLs/0f u/L lgIf]k /fVg ;Sg] M ljB'tLo dfWoddf /fVg ;lsg] pks/0fx?
cef}ltsLs/0f u/L l;l8P;l;n] lgIf]k u/L /fVg ;Sg] 5 .
$&= uf]klgotf ;DaGwL M l;l8P;l;sf sd{rf/L, lgIf]k ;b:o tyf lgisfzgstf{ ;+ul7t ;+:yf jf
/lhi6«f/n] lxtu|fxL;Fu ;DalGwt ljj/0f, tYof+s jf hfgsf/Lsf ;DaGwdf sfg"g adf]lhd
clwsf/ k|fKt lgsfoaf6 dfu ePsf] cj:yfdf jfx]s uf]Kotf sfod /fVg' kg]{5 .
$*= tYof+ssf] ;+/If0f M l;l8P;l;n] cfkm\gf] k|0ffnL cGtu{tsf tYof+s ;+/If0f ug{ k|zf/0f /
e08f/0fsf] nflu cfjZos Joj:yf ug]{5 . l;l8P;l; sf] k|0ffnLdf e08f/0f ePsf tYof+ssf]
;"/Iff -Aofs ck_ l;l8P;l;df clt ;"/Iff k"j{s /fVg] To:t} u/L lgIf]k ;b:o lgisfzgstf{
/lhi6«f/ / /fkm;fkm ;+:yfn] ;d]t ;f]xL cg';f/ ug'{kg]{5 . l;l8P;l;n] cgflws[t JolQmn]
tYof+s ;+rfng ug{ gkfpg] u/L k¥of{Kt ;'/Iff pkfo ckgfpg]5 .
$(= pk;ldltsf] u7g M -!_ ;+rfns ;ldltn] l;l8P;l;sf] sfd ;'Jojl:yt ?kdf ;+rfng ug{
cfjZostf cg';f/ pk;ldltx? u7g ug{ ;Sg]5 .
-@_ pkljlgod -!_ adf]lhd ul7t pk;ldltsf] ;b:o, sfd, st{Jo, clwsf/, sfo{ If]q,
sfo{ ljlw cflb ;+rfns ;ldltn] tf]Sg]5 .
%)= sfo{ ;+rfng lgb]{lzsf-ck/]l6Ë Dofg'cn_ agfpg ;Sg] M l;l8P;l;n] s]Gb|Lo lgIf]k ;]jf
;+rfngsf] nflu sfo{ ;+rfng lgb]{lzsf -ck/]l6Ë Dofg'cn_ agfO{ af]8{af6 :jLs[t u/fO{ nfu'
ug{'kg]{5 .
%!= cfrf/ ;+lxtf agfO{ nfu" ug{ ;Sg] M l;l8P;l;n] lgIf]k ;b:osf nflu Joj;foLs cfrf/
;+lxtf agfO{ nfu" ug{ ;Sg]5 .
%@=afwf c8\sfp km'sfpg] clwsf/ M of] ljlgodfjnLsf] sfof{Gjog ug{ s'g} afwf c8\sfp k/]df
l;l8P;l;sf] l;kmfl/zdf af]8{n] afwf c8\sfp km'sfpg ;Sg]5 .
%#=o;} ljlgodfjnL adf]lhd x'g] M o; ljlgodfjnLdf n]lvPsf s'/fx?sf] xsdf o;} ljlgodfjnL
adf]lhd x'g]5 .

777

20
 
 cg';"rL – !
-ljlgod # ;Fu ;DalGwt_
ldlt M ==============================
>L l;l8P; P08 lSnol/Ë lnld6]8
yfkfynL, sf7df08f}+
ljifo M cef}ltsLs/0fsf nflu btf{ u/L kfpF

================================ P]g adf]lhd :yflkt ====================== sf] b]xfo adf]lhdsf]

lwtf]kq÷pks/0f cef}ltsLs/0f nflu btf{ u/L ;f] sf] k|df0fkq kfpgsf] nflu ?=
========================= b:t'/ a'emfPsf] /l;b jf a}+s ef}r/ ;+nUg u/L of] lgj]bg k]z ub{5f}+ .

!= ;+ul7t ;+:yf ;DaGwL ;+lIfKt ljj/0f M

-s_ ;+ul7t ;+:yfsf] gfd M
-v_ 7]ufgf M
6]lnkmf]g g+= =============================== ˆofS; ===================================
Od]n ======================================= j]e;fO6 ==================================
-u_ ljb]zL ;+ul7t ;+:yf ;+:yfks ePdf To:tf] ;+ul7t ;+:yfsf] gfd / 7]ufgf M
-3_ ;+ul7t ;+:yf btf{ ldlt M
-ª_ sf/f]af/ ;+rfng ldlt M
-r_ ;"rLs/0f ePsf] ldlt M

@= ;+:yfks / lghx?sf] k[i7e'ld ;DaGwL ljj/0f M

-s_ ;+:yfksx?sf] gfd, 7]ufgf M
-v_ ;+ul7t ;+:yfsf] ;+:yfks ePsf]df pQm ;+:yfsf] tkm{af6 dgf]lgt ;+rfnssf] gfd, 7]ufgf M

#= ;+ul7t ;+:yfsf] lwtf]kq ;DaGwL ljj/0f M

-s_ clws[t k"FhL M =========================== z]o/ k|lt PsfO{ d"No ============= b/n] .
-v_ hf/L k"FhL M =========================== z]o/ k|lt PsfO{ d"No =============== b/n] .
-u_ r'Qmf k"FhL M =========================== z]o/ k|lt PsfO{ d"No =============== b/n] .
-3_ ;"rLs/0f u/]sf] z]o/ lsQf M

$= btf{ ug]{ lwtf]kq÷pks/0f ;DaGwL ljj/0f M

-s_ btf{ ug]{ lwtf]kqsf] lsl;d / d"No M
-v_ btf{ ug]{ pks/0fsf] lsl;d / d"No M
21
 
%= Joj:yfkg ;DaGwL ljj/0f M
-s_ ;+rfnsx?sf] gfd, 7]ufgf u|x0f u/]sf] z]o/ :jfldTj
-u_ Joj:yfkgsf] d'Vo lhDd]jf/L lng] sfo{sf/L k|d'v M

^= pb\3f]if0f M
o; lgj]bgdf pNn]lvt ljj/0f tyf ;+nUg sfuhft tyf ljj/0fx? ;To tYo / k"0f{ 5g\ / s'g}
ljj/0f, ;"rgf tyf hfgsf/L n'sfPsf] 5}g . s'g} ljj/0f em'6f 7x/] sfg"g adf]lhd ;x'n
F f a'emfpFnf
.

clwsf/ k|fKt JolQm

gfd M
;+:yfsf] 5fk M b:tvt M
kb M
ldlt M

-b|i6JoM o; ljlgodfjnL adf]lhd lwtf]kq cef}ltsLs/0fsf] k|of]hgsf nflu btf{ ;Demf}tf

ul/;s]sf ;+ul7t ;+:yfn] btf{ ;Demf}tf ul/;s]kl5 lgisfzg u/]sf lwtf]kqsf] cef}ltsLs/0fsf
nflu cef}ltsLs/0f ug'{ kg]{ lwtf]kqsf] ljj/0f ;lxt ;fwf/0f lgj]bg lbg ;Sg]5 ._

22
 
 Ä
cg';"rL–@
-ljlgod # / $ ;Fu ;DalGwt_
lgj]bg b:t'/, btf{ tyf jflif{s z'Ns M

-!_ btf{ tyf jflif{s z'Ns M

qm=;+ ;+ul7t ;+:yfsf] ;]o/ r'Qmf k"FhL btf{ z'Ns jflif{s z'Ns
!= ?=@) s/f]8;Dd )=)&%Ü jf Go"gtd ?=%),))).– ?=%),))).–
@= ?=@) s/f]8 eGbf dfly ?=%) s/f]8;Dd )=)%)Ü jf Go"gtd ?=!,%),))).– ?=!,)),))).–
#= ?=%) s/f]8 eGbf dfly ?=! ca{;Dd )=)#%Ü jf Go"gtd ?=@,%),))).– ?=!,%),))).–
$= ?=! ca{ eGbf dfly ?=@ ca{;Dd )=)@%Ü jf Go"gtd ?=#,%),))).– ?=@,)),))).–
%= ?=@ ca{ eGbf dfly ?=% ca{;Dd )=)!%Ü jf Go"gtd ?=%,)),))).– ?=#,)),))).–
^= ?=% ca{ eGbf dfly ?=!) ca{;Dd )=)!)Ü jf Go"gtd ?=^,)),))).– ?=$,)),))).–
&= ?=!) ca{ eGbf dfly )=))*Ü jf Go"gtd ?=&,)),))).– ?=%,)),))).–

-@_ l8j]Gr/÷Psf+s, cu|flwsf/ ;]o/ art jf ;d"xut art btf{ tyf jflif{s z'Ns M
qm=;+ hf/L k"FhL btf{ z'Ns Jfflif{s z'Ns
!= ?=%) s/f]8;Dd )=)@Ü jf Go"gQd ?=%),))).– ?=%),))).–
@= ?=%) s/f]8 eGbf dfly ?=! ca{;Dd )=)!%Ü jf Go"gtd ?=!,)),))).– ?=!,)),))).–
#= ?=! ca{ eGbf dfly ?=@ ca{;Dd )=)!Ü jf Go"gtd ?=!,%),))).– ?=!,%),))).–
$= ?=@ ca{ eGbf dfly ?=% ca{;Dd )=))&%Ü jf Go"gtd ?=@,)),))).– ?=@,)),))).–
%= ?=% ca{ eGbf dfly )=))%Ü jf Go"gtd ?=#,)),))).– ?=#,)),))).–

-#_ a'Fbf g+= -!_ / -@_ df pNn]lvt lwtf]kqx? afx]ssf cGo lwtf]kqx?sf] nflu M
qm=;+ hf/L k"FhL btf{ z'Ns Jfflif{s z'Ns
!= ?=%) s/f]8;Dd )=)@Ü jf Go"gQd ?=%),))).– ?=%),))).–
@= ?=%) s/f]8 eGbf dfly ?=! ca{;Dd )=)!%Ü jf Go"gtd ?=!,)),))).– ?=!,)),))).–
#= ?=! ca{ eGbf dfly ?=@ ca{;Dd )=)!Ü jf Go"gtd ?=!,%),))).– ?=!,%),))).–
$= ?=@ ca{ eGbf dfly ?=% ca{;Dd )=))&%Ü jf Go"gtd ?=@,)),))).– ?=@,)),))).–
%= ?=% ca{ eGbf dfly )=))%Ü jf Go"gtd ?=#,)),))).– ?=#,)),))).–
gf]6 M -!_ s'g} sDkgLsf] k"FhL j[l¢ ePdf ;f]xL adf]lhd btf{ tyf jflif{s z'Nssf] /sd a'emfpg'
kg]{5 .

Ä klxnf] ;+zf]wg, @)^( 

23
 
 cg';"rL – #
-ljlgod # sf] pkljlgod $ ;Fu ;DalGwt_
l;l8P;l; / lgisfzgstf{aLrsf] ;Demf}tf
sf7df8f}+ l:yt /lh:6f8{ sfof{no /x]sf] l;l8P; P08 lSnol/Ë lnld6]8 -o;kl5 æl;l8P;l;Æ
elgPsf]_ k|yd kIf / =====l:yt sfof{no /x]sf]=================== -j}wflgs cl:tTj ePsf] lgsfosf]
ljj/0f_ o;kl5 -ælgisfzgstf{Æ elgPsf]_ bf]>f] kIf aLr b]xfosf zt{x? kfngf ug]{ ;xdlt;fy
of] ;Demf}tf ul/Psf] 5 .
!= ;fdfGo k|fjwfg M
!=!= o; ;Demf}tfdf k|of]u ePsf t/ JofVof gul/Psf sDkgL P]g, @)^#, lwtf]kq ;DaGwL P]g,
@)^#, lwtf]kqsf] s]Gb|Lo lgIf]k ;]jf lgodfjnL, @)^& jf l;l8P;l;sf ljlgodfjnLx¿df
JofVof ul/Psf] zAbfjnL tyf jfSof+zx¿sf] cy{ plNnlvt P]g, lgodfjnL jf
ljlglodfjnLcg';f/ x'g]5g\ .
!=@= ljifo jf k|;Ën] cGoyf cy{ gnfu];Dd, ælxtu|fxLÆ, ælgisfzgstf{Æ, ælgIf]k ;b:oÆ,
æ/lhi6«f/ tyf x:tfGt/0f k|ltlglwÆ h:tf oxfF k|of]u ePsf zAbfjnL tyf jfSo+fzx¿n]
l;l8P;l;sf] ;DaGwdf qmdzM lxtu|fxL, lgisfzgstf{, /lhi6«f/nfO{ a'emfpF5g\ /
ælgodfjnLÆ, æljlgodfjnLÆ tyf æ;~rfng lgb]{lzsfÆ, æ/fkm;fkm ;+:yfÆ eGg]
zAbfjnLx¿n] qmdzM ælwtf]kqsf] s]Gb|Lo lgIf]k ;]jf lgodfjnL, @)^&Æ, l;l8P;l;sf]
ljlgodfjnL Tfyf l;l8P;l;n] hf/L u/]sf] ;~rfng lgb]{lzsf / /fkm;fkm ;+:yfnfO{
a'emfpF5g\ .
!=#= lgisfzgstf{ lwtf]kq s]Gb|Lo lgIf]k ;]jf lgodfjnL, l;l8P;l; ljlgodfjnLnfO{ o;}
;Demf}tfsf] cËsf ¿kdf / l;l8P;l;n] ;do ;dodf logdf u/]sf] ;+;f]wg tyf ;~rfng
lgb]{lzsf Kffng ug{ ;xdt x'g]5g\ .
!=$= lgisfzgstf{sf] x}l;ot vf/]h x'g'eGbf cufl8 lgisfzgstf{n] ;DkGg u/]sf, sfof{Gjog
u/]sf, nfu' u/]sf, ;~rfng u/]sf jf lgisfzgstf{ vf/]h x'Fbfsf] ;dodf afFsL, ck"0f{ jf
clgl0f{t /x]sf ;a} ljifox¿, k|ljli6x¿ jf sf/f]af/x¿;Fu ;DalGwt lghsf bfloTjx¿sf]
;dfkg ug{ jf kfngfsf nflu aGwgsf/L /lx/xg]5g\ .
!=%= lgisfzgstf{ ;+nUg /x]sf pQ/bfloTjx? ljlgodfjnL tyf ;~rfng lgb]{lzsfdf ePsf]
pQ/bfloTjx?df pNn]v x'g 5'6]df pQ/bfloTjaf6 klG5g kfOg] u/L cy{ nufOg]5}g .
@= z'Ns, b:t'/ tyf lgIf]k M
Gf]kfn lwtf]kq af]8{nfO{ ltg'{kg]{ z'Ns, b:t'/ tyf lgIf]kafx]s, lgisfzgstf{n] l;l8P;l;nfO{
ljlgodfjnL adf]lhd z'Ns, b:t'/ tyf lgIf]k a'emfpg'kg]{5 . l;l8P;l;n] cfˆgf]
ljlgodfjnLdf pNn]v u/]sf] clGtd ldltleq lgisfzgstf{n] tf]lsPsf] z'Ns, b:t'/ tyf lgIf]k
a'emfpg c;dy{ ePdf, ljlgodfjnL adf]lhd yk b:t'/ ;d]t a'emfpg'kg]{5 .
#= lgisfzgstf{n] h8fg ug'{kg]{ xf8{j]o/ tyf ;ˆ6j]o/ M
#=!= l;l8P;l;;Fu ;DalGwt sfo{x¿sf nflu 5'6\ofOPsf] :yfgx¿df lgisfzgstf{n] sDKo'6/,
lk|G6/, ;~rf/sf pks/0fx¿ / cljl5Gg ljB't k|jfx PsfO, ;ˆ6\j]o/ / xf8{j]o/ tyf
tf]lsPsf] cGo pks/0fx? h8fg ug'{kg]{5 .
24
 
#=@= lgisfzgstf{n] vl/b u/]sf ;a} sDKo'6/x¿, ;~rf/sf pks/0f, lk|G6/, cljlR5Gg ljB't
k|jfx PsfO{x¿ tyf cGo ;a} xf8{j]o/ / ;ˆ6\j]o/x¿ tf]lsPsf] :j?k (Configuration) kl/k"lt{
ePsf] x'g'kg]{ s'/fdf ;xdlt sfod ul/Psf] 5 .
#=#= pNn]lvt xf8{j]o/ tyf ;ˆ6\j]o/ ;+/rgfnfO{ lgisfzgstf{n] lglZrt sDKo'6/ k|f]u|fd
(Application Module) sf nflu dfq k|of]u ug]{5 . olb ToxfF e08f/0f tyf k|lqmofut Ifdtf
a9L ePdf klg To;nfO{ lgisfzgstf{n] cfˆgf] sfof{nosf] cGt/k|0ffnL jf ;~rfngnufot
cGo s'g} klg sDKo'6/ k|of]udf pkof]u ug]{5}g .
#=$= l;l8P;l;sf] lnlvtcg'dlt lagf lgisfzgstf{n] cfˆgf] sfof{nodf cfGtl/s Jofks If]qsf]
;~hfn (Wide Area Network)df plNnlvt xf8{j]o/ h8fg ug]{5}g .
#=%= l;l8P;l;n] tf]s]cg';f/sf] plNnlvt xf8{j]o/nfO{ yk36 ug{ abNg, :t/f]Gglt ug{ jf
lj:yfkg ug{ nfUg] vr{ lgisfzgstf{ cfkm}n] a]xf]g'{kg]{5 .
$= cfa4tf / k|0ffnLx¿ M
$=!= lgisfzgstf{ / l;l8P;l;n] Pscfk;df ;~rf/sf] ljB'tLo dfWod lg/Gt/ ¿kdf :yfkgf
ug]{5g\ .
$=@= lgIf]k;Fu ;DalGwt sfo{;~rfngsf] nflu k|efjsf/L tyf l56f]5l/tf] ¿kdf sf/f]af/ ;Dkfbg
ug{ cfjZos ePsf]n] l;l8P;l;n] ;do;dodf lgisfzgstf{nfO{ ;~rfngsf] cfjZos
lgb]{zg k|bfg ug]{5 .
$=#= lgisfzgstf{n] tf]lsP adf]lhdsf To:tf k|0ffnL, ljlw, ;~rf/sf ;fwg, ;+/rgf, xf8{j]o/,
;ˆ6j]o/, ;'/Iffsf pks/0fx¿, e08f/0f ;'ljwfx¿ (Back‐up  Facilities) cfˆgf] vr{df vl/b
tyf dd{t;Def/ ug]{5 .
$=$= l;l8P;l;n] l;kmfl/; u/]sf] ;a} k|0ffnL tyf sfo{ljlwx¿nfO{ lgisfzgstf{n] kfngf ug]{5
/ l;l8P;l;n] k|0ffnL sfo{ljlwsf] kfngfsf] cfjlws d"NofÍg ug{sf nflu v6fPsf]
sDKo'6/s[t k|0ffnLsf] sfo{;Dkfbg k/LIf0f ug{ ljz]if ;Lk ePsf jf lj1x¿ ePsf] Ps jf
Ps eGbf a9L Joj;foLx¿sf] ;d"x -h;nfO{ æk|0ffnLsf] kl/If0f ug]{ ;d"xÆ eg]/ a'lemG5_
nfO{ p;sf] k|0ffnL ;Ddsf] kx'Fr lgisfzgstf{n] k|bfg ug]{5 .
%= cef}ltsLs/0f tyf k'gMef}ltsLs/0f k|efjsf/L x'g] ldlt M
lgisflzt lwtf]kqsf] cef}ltsLs/0f, k'gMef}ltsLs/0f / cef}ltsLs/0f :j¿kdf /x]sf
lwtf]kqx¿sf] x:tfGt/0f of] ;Demf}tfkqsf] sfof{Gjog x'g] ldltaf6 k|f/De x'g]5 .
^= lgisfzgstf{n] l;l8P;l;nfO{ pknAw u/fpg'kg]{ ;"rgfx¿ M
^=!= lgisflzt lwtf]kqsf xsdf ;DalGwt lwtf]kq ahf/n] ;"rLs/0f;"rLs/0f u/]sf] ef]lnkN6}
lgisfzgstf{n] ;f]sf] sf/f]af/ k|f/De ug{ ;"rLs/0f u/]sf] / cg'dlt lbPsf] kq l;l8P;l;
;dIf a'emfpg]5 .
^=@ lgisfzgstf{n] l;l8P;l;nfO{ b]xfoadf]lhd ;"rgfx¿ pknAw u/fpg]5 M
^=@=!= lgisflzt, lwtf]kqsf xsdf eP;Ddsf xsk|b, af]g;, ;+:yfut nfe nufotsf] v'Ng]
/ aGb x'g] ldlt hf/L k"FhL ;+/rgf, hf/L c+lst d"No, clen]v ul/g] ldlt, btf{
lstfa aGb x'g] ldlt, cfXjfg kq, cg'kft nufotsf ;a} s'/fsf] sfuhftsf k|lt,

25
 
 ^=@=@= lgisflzt lwtf]kq ;"rLs[t ePsf]df s'g} klg lwtf]kq ahf/nfO{ lbPs} lbgdf / cGo
;a} dfldnfdf lgisfzgstf{n] cf}krfl/s lg0f{o lnPsf] @ -b'O{_ sfo{lbgleq
l;l8P;l;nfO{ o:tf] hfgsf/L pknAw u/fOg]5 .
&= l;l8P;l;n] lgisfzgstf{nfO{ lbg] ljj/0f M
&=!= l;l8P;l;n] lxtu|fxLsf] clen]v ;DaGwL ljj/0f lgisfzgstf{nfO{ lbg]5,
&=@ dfly pNn]v eP cltl/Qm, lgisfzgstf{nfO{ cfjZos k/]sf] a]nf l;l8P;l;n] e'QmfgL lnO{
s'g} ljj/0f jf kmfF6jf/L pknAw u/fpg ;Sg]5 .
*= cef}ltsLs/0f M
*=! l;l8P;l;n] lgIf]k;b:ox¿af6 k|fKt u/]sf] cef}ltsLs/0fsf ;a} cg'/f]wx¿ b}lgs ¿kdf
ljB'tLo dfWodaf6 lgisfzgstf{nfO{ hgfp lbg]5 .
*=@ cef}ltsLs/0f cg'/f]w kmf/d k|flKtdf h'g cef}ltsLs/0fsf] dfu ul/Psf] 5, To:tf]
lwtf]kqx¿sf] ;fydf lgisfzgstf{n] k|ydtM k|df0fkq jf sfuhftx?sf] j}Btf tyf
ljZj;gLotf / ;"rLx¿sf] oyfy{tf k|dfl0ft ug]{5 . ;fy} bf];|f]df cef}ltsLs/0f h'g
JolQmnfO{ rflxPsf] 5 p;sf] gfd lwtf]kqsf] wf/ssf] ¿kdf lgisfzgstf{åf/f k|dfl0ft eP
gePsf] lglZrt ug]{5 .
*=# l;l8P;l;dfkm{t ;b:ox¿sf] cef}ltsLs/0f x'gsf nflu lwtf]kq;Fu ;DalGwt k|fKt tYofÍ
lgisfzgstf{n] sfod u/]sf] lwtf]kqx¿sf] tYofÍ;Fu le8fP/ k|dfl0ft ug]{ / k|dfl0ft
lwtf]kqx¿nfO{ dfq} :ki6 zLif{ssf] ;fydf cef}ltsLs/0f ug]{ lhDdf lgisfzgstf{sf] x'g]5 .
*=$ s'g}kgL lwtf]kqsf] ;DaGwdf jf]8{, g]kfn ;/sf/, cbfnt jf /fh:j ;DaGwL lgsfodf
ph'/L jf ljjfb pTkGg e} pQm lgsfojf6 s'g} cfb]z, lgb]{zg jf lgif]wf1f hf/L ePsf]
cj:yfdf cef}lts/0fsf] cg'/f]w :jLsf/ ug]{ 5}g .
*=% cef}lts/0fsf] cg'/f]wnfO{ k"0f{ jf cflz+s :jLsf/ u/]sf]df lgisfzgstf{n] ;ft lbgleq
l;l8P;;LnfO{ hfgsf/L lbg' kg]{5 .
*=^ lgisfzgstf{n] cfkm';Fu /x]sf] cg'/f]w kmf/d nufotsf sfuhft Go'gtd % -kfFr_ jif{ ;Dd
;'/lIft /fVg'kg]{5 .
*=&= lgDglnlvt sf/0fx¿ afx]s lwtf]kqx¿sf] cef}ltsLs/0fsf] cg'/f]wnfO{ lgisfzgstf{n] OGsf/
cyjf c:jLsf/ ug]{5}g M
*=&=!= lwtf]kqsf k|df0fkqx¿ jf cGo sfuhftx¿ rf]l/Psf], lst]{ hfn;fhL jf gSsnL
kfOPdf,
*=&=@= ;Ssn k|df0fkqx¿sf] ;6[fdf k|ltlnlk hf/L ePsf] cj:yfdf klxn]sf] ;Ssn
k|df0fkq k]z ePdf,
*=&=#= cef}ltsLs/0f ug{ vf]lhPsf lwtf]kqx¿sf] x:tfGt/0fdf tTsfnsf nflu s'g} sfg"gn]
jf zt{ tyf aGb]hx¿n] k|ltaGw jf aGb]h nufPdf jf
*=&=$= af]8{ jf l;l8P;l;n] s'g} lwtf]kq cef}ltlss/0f gug{ lgb]{zg lbPdf .
*=*= cef}ltsLs/0fsf nflu k]z ul/Psf k|df0fkqx¿ Pj+ sfuhftx¿ ;f] cfj]bg cl:jsf/ ePdf
;DalGwt lgIf]k ;b:onfO{ lkmtf{ lbg'kg]{5 .

26
 
*=(= lgisfzgstf{n] cef}ltsLs/0fsf nflu k]z ePsf] lwtf]kqsf] cfj]bg k"0f{ jf cf+lzs gfd~h'/
u/]df To:tf] gfd~h'/Lsf] oyfy{ sf/0faf/] ;DalGwt lgIf]k ;b:onfO{ lnlvt ¿kdf ;"lrt
ug]{5 .
*=!)= l;l8P;l;nfO{ k|fKt s'g} klg lwtf]kqx¿sf] cef}ltsLs/0fsf] :jLs[ltsf hgfpx¿
lgisfzgstf{x¿sf] k|ltlglwTj / sa'lnotåf/f ;dly{t ePsf], To:tf lwtf]kqx¿ cl:tTjdf
/x]sf], l/tk"j{s hf/L ePsf], lgisfzgstf{;Fu /x]sf] clen]vdf lwtf]kqcg';f/sf]
cef}ltsLs/0f ug{ rfxg] lxtu|fxL xsbf/sf] gfd hlgPsf] x'g' kg]{5 .
*=!!= cef}ltsLs/0f ePsf lwtf]kqx¿sf] k|df0fkqx¿sf] clen]v ljlgod Pj+ ;~rfng lgb]{zgdf
pNn]v ePdf ;f] adf]lhd sfod ug]{ ;xdlt Pjd pQ/bfloTj lgisfzgstf{n] lng]5 .
*=!@=lgisfzgstf{n] e08f/df cef}ltsLs/0f ¿kdf /flvPsf k|To]s ISIN (International Securities 
Identification  Number) sf dftxtsf s"n lwtf]kqx¿ tyf lwtf]kq ahf/df ;"rLs[t
lwtf]kqx¿ eGbf a9L gx'g] / ;"rLs[t lwtf]kqx¿sf] ;DaGwdf e08f/df cef}ltsLs/0f
¿kdf /fv]sf k|To]s ISIN sf] dftxtsf s"n lwtf]kqx¿sf ;fy;fy} ef}lts ¿kdf /flvPsf]
lwtf]kqx¿ afF8kmfF8 ul/Psf l/tk"j{s hf/L ul/Psf] lwtf]kqx¿ eGbf a9L x'g]5}g eGg] s'/f
lglZrt ug]{5 . lgisfzgstf{n] b}lgs ¿kdf o:tf] ?h' ug]{5g\ .
(= k'gMef}ltsLs/0f M
(=!= cfˆgf lxtu|fxLaf6 k'gMef}ltsLs/0f cg'/f]w kmf/fd lgIf]k ;b:oaf6 l;l8P;l;n] ljB'tLo
dfWodaf6 hgfp kfPkl5, ;DalGwt lxtu|fxLsf] vftfdf /x]sf] lwtf]kqx¿sf] df}Hbft b]lvPsf]
k'gMef}ltsLs/0fsf] dfqsf] xb;Dd, tTsfn} /f]Ssf ug]{5 / b}lgs cfwf/df o:tf ;a}
k'gMef}ltsLs/0f cg'/f]wx¿nfO{ lgisfzgstf{;dIf ljB'tLo ¿kdf hgfp lbg]5 . dfly
n]lvPadf]lhd k'gMef}ltsLs/0fsf] sfd afFsL /xL df}Hbft /f]Ssf e};s]kl5 l;l8P;l;n] To:tf]
lwtf]kq vr{ n]Vg jf cGoyf bfjL lng cg'dlt lbg]5}g .
(=@= ;b:oaf6 k'gMef}ltsLs/0f cg'/f]w kmf/d k|fKt u/]kl5, lgisfzgstf{n] cg'/f]w kmf/ddf /x]sf]]
ljj/0f / l;l8P;l;n] sDKo'6/df pknAw u/fPsf] ljj/0f le8fpg]5 / ;f] le8]sf] kfPdf
k'gMef}ltsLs/0f cg'/f]w kmf/d :jLsf/ ePsf] s'/f l;l8P;l; / ;DalGwt lgIf]k ;b:onfO{
hfgsf/L u/fpg]5 . To;kl5 lgisfzgstf{n], ;'/Iffsf;fy k'gMef}ltsLs/0f cg'/f]wsf] lwtf]kq
k|df0fkq ;DalGwt lxtu|fxLsf] gfd / 7]ufgfdf k7fpg]5 .
(=#= lgisfzgstf{af6 k'gMef}ltsLs/0f cg'/f]w kmf/d :jLs[t ePsf] hgfp k|fKt u/]kl5
l;l8P;l;n] ;DalGwt lxtu|fxLsf] vftfdf /x]sf] df}Hbftaf6 k'gMef}ltsLs/0f ePsf] lwtf]kq
36fpg]5 .
(=$=lgisfzgstf{n] o:tf k'gMef}ltsLs/0f cg'/f]w kmf/dx¿ sDtLdf kfFr jif{;Dd ;'/lIft /fVg]5 .
!)= lwtf]kqx¿sf] gofF lgisfzg M
lgisfzgstf{n] lwtf]kqx¿sf] gofF lgisfzg u/]df lxtu|fxLx?sf] afF8kmfF8 ljj/0f
l;l8P;l;af6 lgwf{l/t 9fFrfdf pknAw u/fpg]5 .
!!= lxtu|fxL xsbf/sf] kl/ro :yflkt gePdf M
kl/ro :yflkt x'g g;Sg] s'g} lxtu|fxL xsbf/sf] tkm{af6 lgisfzgstf{åf/f l;l8P;l;nfO{
hgfp k|fKt ePsf] v08df l;l8P;l;n] To:tf] cg'/f]w sf/0f v'nfO{ gfd~h'/ ug{ ;Sg]5 .

27
 
!@= ;+:yfut sfo{ tyf nfe M
!@=!= l;l8P;l;n] lgisfzgstf{nfO{ vftf aGb x'g] ldlt jf tf]lsPsf] ldlt;Dddf lxtu|fxLx?sf]]
;"rLsf ;fy} tt\;DaGwL ljj/0f pknAw u/fpg] 5 .
!@=@= lgisfzgstf{n] pNn]lvt lwtf]kqx¿sf] ;Gbe{df vftfaGb x'g] ldlt, btf{ ldltx¿, Aofh jf
nfef+z e'QmfgLsf ldltx¿, jflif{s ;fwf/0f;ef tyf cGo a}7sx¿sf ldltx¿, lwtf]kqx¿sf]
C0f ldgfxf jf shf{nfO{ z]o/df abn]sf] ldltx¿, lwtf]kqsf] cjlw k'u]sf] ldltx?, clwsf/
pkef]u ug]{ ldltx¿, /sd lemlsPsf] ldltx¿, cGo ;+ul7t sfo{sf] ljj/0fx¿ h:t} ufleg',
;lDd>0f jf lgisfzgstf{sf] k'gM;+/rgf, k"FhL s6f}lt, hl/jfgf, k'gMlgisfzg, k'gM;+/rgf jf
;+:yfkg cflb Pjd\ l;l8P;l;åf/f ;do ;dodf dfu ul/Psf] jf tf]lsPsf ;"rgf tyf
ljj/0f pknAw u/fpg]5 .
!@=#= l;l8P;l;nfO{ ;Dk"0f{ ;+:yfut sfo{sf] hgfpsf] nflu / o;sf] ;Dk"0f{ ;+:yfut nfef+zx¿sf]
ljt/0fsf] oyfy{tfsf] nflu lgisfzgstf{ lhDd]jf/ x'g]5 . lgisfzgstf{åf/f l;l8P;l;nfO{
lbOPsf] ;+ul7t nfef+zsf] oyfy{tfsf] nflu ;d]t lgisfzgstf{ lhDd]jf/ x'g]5 .
lgisfzgstf{åf/f l;l8P;l;nfO{ pknAw ePsf] s'g} ;"rgf unt jf c;To ePsf] sf/0fn]
l;l8P;l;nfO{ s'g} gf]S;fgL ePdf ;f]sf] Ifltk"lt{ lgisfzgstf{n] ug]{5 .
!#= clen]vsf] ?h' M
lgisfzgstf{n] lgisfzg ePsf, sf/f]af/ ePsf nufotsf lwtf]kqx¿sf] ?h' b}lgs ¿kdf
ug{]5 .
!$= l;l8P;l;åf/f lg/LIf0f M
l;l8P;l;nfO{ lgisfzgstf{sf] ;Dk"0f{ sf/f]af/x¿;Fu ;DalGwt ;'ljwfx¿, k|0ffnLx¿, btf{x¿
/ lgisfzgstf{sf] vftfx¿ l;l8P;l;sf] tkm{af6 clwsf/k|fKt JolQm dfkm{t lg/LIf0f ug]{ xs
x'g]5 / lgisfzgstf{n] To:tf] clwsf/k|fKt JolQmnfO{ sfof{no ;~rfng x'g] s'g} klg lbgdf
lgoldt sfdsf] ;dofjlwdf p;sf] If]qleq k|j]z ug]{ cg'dlt lbg]5 / p;sf] ;'ljwfx¿,
k|0ffnLx¿, btf{x¿ / lstfax¿ x]g]{ clwsf/ lbg]5 / To;sf] k|ltlnlk ptfg]{ cg'dlt lbg]5 .
!%= lgisfzgstf{åf/f l;l8P;l;nfO{ tTsfn hgfp lbg] cj:yfx¿ M
!%=!= lgisfzgstf{n] l;l8P;l;nfO{ t'?Gt ;"lrt ug]{5 M
!%=!=!= s'g} cbfntdf lgisfzgstf{sf] lj37gsf] nflu lgj]bg k/]df jf lgisfzgstf{sf]
lj37gsf] k|:tfj kfl/t ePdf M
!%=!=@= lgisfzgstf{sf] ufleg], ;lDd>0f x'g] jf k'gM;+/rgfsf] vfsf th'{df ePdf,
!%=!=#= 6f6 kN6g], aGb x'g] jf ;DklQ /f]Ssf x'g] s'g} b/vf:t jf lgj]bg k|:t't x'g]
;Defjgf ePdf,
!%=!=$= s'g} sfg"gL jf /fh:j ;DaGwL lgsfoåf/f s'g} s/x¿, eG;f/ b:t'/x¿, lt/f],
hl/jfgf, dxz"n e'QmfgLsf] nflu lgisfzgstf{ jf p;sf] ;DklQ dfly s'g} sf/jfxL
u/fpg] k|lqmofsf] af/]df hfgsf/L ePdf,
!%=!=%= ljQLo cj:yfx¿sf] kl/jt{g eO{ 6f6 pN6g] jf lj37g x'g] jf C0fbftfx¿;Fu
hl6ntf pTkGg x'g] ePdf,
28
 
 !%=!=^= lgisfzgstf{n] lgisfzg u/]sf lwtf]kqx¿ ;"rLs[t ePsf] jf sf/f]af/sf] cg'dlt
kfPsf] lwtf]kq ahf/af6 pQm lwtf]kqx¿sf] :yug ug]{ jf ;"rLaf6 x6fpg] s'g}
;"rgf k|fKt ePdf,
!%=!=&= lgisfzgstf{ pk/sf] s'g} 36gf jf kl/l:yltaf6 Joj;flos lgjf{x jf cl:tTj jf
o; ;Demf}tf adf]lhdsf] p;sf] bfloTj kl/kfng ug]{ Ifdtfdf tflTjs c;/ kfg]{
;DaGwdf hfgsf/ ePdf,
!%=!=*= lgisfzgstf{n] hf/L u/]sf] s'g} lwtf]kq Pj+z]o/ k"FhLdf s'g} yk36 ePdf .
!^= cflwsfl/s k|ltlglw M
lgisfzgstf{n] of] ;Demf}tfkqsf] sfof{Gjogsf] nflu l;l8P;l;;dIf cfkm"n] clVtof/ k|bfg
u/]sf kbflwsf/Lx¿sf] ;"rL k]; ug]{5 h;n] l;l8P;l; ;dIf lghsf] lxtsf] k|ltlglwTj
ug]{5g\ . To:tf] ;"rLdf ul/Psf] yk36 jf x]/km]/ l;l8P;l;nfO{ hfgsf/L u/fpg]5 .
!&= uf]kgLotf M
!&=!= kIfx¿n] o; ;Demf}tfkq cGtu{tsf bfloTj ;Dkfbg ug]{ l;nl;nfdf v'nfpg'kg]{ jf uf]Ko
/fVg'kg]{ jf ljlgodfjnLcGtu{t s'g} klg kIfn] t];|f] kIfnfO{ v'nf;f ug{ gx'g] ;d]tsf
s'/fx? uf]Ko /fVg'kg]{5 .
!&=@= kIfx? sfg"gadf]lhdsf] bfloTj k"/f ug{sf nflu cfˆgf] clwsf/sf] k|rngsf nflu jf lxt
;+/If0fsf nflu g]kfn ;/sf/, cbfnt, g]kfn lwtf]kq af]8{ jf sfg"gn] clwsf/ lbPsf] s'g}
klg lgofds jf /fh:j clwsf/Lsf] lnlvt cfb]z jf dfusf] ljj/0f, kmfF6jf/L, jf ;"rgf
pknAw u/fpg jf v'nf;f ug{ :jtGq x'g]5 . t/ plNnlvt To:tf] ;"rgfsf] pknAwtf jf
v'nf;fn] s'g} klg kIfn] csf]{ kIf;Fu /x]sf ljj/0f, kmfF6jf/L jf ;"rgfsf] uf]Kotf pknAw
u/fpg jf v'nf;f u/fpg kfpg]5}g .
!*= 7]ufgf kl/jt{g M
lgisfzgstf{n] lghsf] /lh:6f8{ sfof{nosf] k|:tfljt :yfg kl/jt{g ;fy} sDKo'6/s[t
clen]v, e08f/0f ;'ljwf / l;l8P;l;;Fusf] ;~rf/sf] Joj:yfkgsf pks/0f /x]sf] xftfsf]
:yfgsf] s'g} klg kl/jt{g x'g] ePdf sDtLdf To:tf] kl/jt{gsf] #) lbg k"j{ l;l8P;l;nfO{
hfgsf/L u/fpg'kg]{5 .
!(= e08f/0f ;'ljwf M
!(=!= lgisfzgstf{n] l;l8P;l;n] l;kmfl/; u/]cg';f/sf] e08f/0f sfo{ljlw s9fOsf;fy nfu"
ug'{kg]{5 . lgisfzgstf{n] ug'{kg]{ sDKo'6/ k|0ffnLsf] e08f/0f ;'ljwfsf] cBfjlws ug]{
sfo{af6 x'g uPsf] s'g} klg Iflt jf xfgL jf sdhf]/Lsf nflu l;l8P;l; hjfkmb]xL x'g]5}g .
!(=@= l;l8P;l;n] v6fPsf] s'g} klg JolQmnfO{ lgisfzgstf{n] lghsf] e08f/0f ;'ljwf;Ddsf]
kx'Frsf nflu cg'dlt lbg]5 / l;l8P;l;nfO{ rflxPcg';f/sf] plNnlvt ;'ljwfsf] k|ltj]bg
pknAw u/fpg]5 .
@)= lxtu|fxLsf] u'0ff;f] / ph'/sf] pkrf/ M
lgisfzgstf{n] lxtu|fxLsf] s'g} klg u'0ff;f] jf ph'/ ePdf ;dfwfg ug'{kg]{5 / u'0ff;f] jf
ph'/ k|fKt ePsf] tL; lbg leq l;l8P;l;nfO{ ;f] af/] hfgsf/L lbg'kg]{5 .

29
 
 @!= k|Tofof]hgdf k|ltaGw M
l;l8P;l;sf] lnlvt k"j{;xdlt glnO{ lgisfzgstf{n] of] ;Demf}tfkqcGtu{tsf sfo{, clwsf/
jf bfloTjx¿ s'g} kIf jf JolQmnfO{ x:tfGt/0f ug]{ jf k|Tofof]lht ug]{5}g .
@@= xhf{gf M
@@=!= lgisfzgstf{n] lwtf]kq lgisfzgstf{sf tkm{af6 P]g, lgod, ljlgodfjnL / ;~rfng
lgb]{lzsfsf] pNn+3gdf sd{rf/L, Ph]G6 jf cGoyf s'g} sfo{ lnvt af6 ePsf] s'g} klg
nfk/jfxLaf6 l;l8P;l;nfO{ x'g uPsf ;a} Iflt, xfgL, gf]S;fgL jf ;a} bfjL dfu, d'2f,
sf/jfxL, cGo h'g;'s} sfo{k|lqmofsf ;DalGwt ;a} nfut, b:t'/ tyf vr{nufot
l;l8P;l;sf] xfgL /lxt ;'/Iffsf] xhf{gf lbg]5 . o; k|of]hgsf nflu lghsf clws[t,
sd{rf/L, Ph]G6af6 ePsf dg;fok"j{s jf cGoyf h] eP klg ;Dk"0f{ s[tsfo{ -sfo{ jf
csfo{_ nfO{ lgisfzgstf{n] u/]sf] s[tsfo{ -sfo{ jf csfo{_ dflgg]5 . lgisfzgstf{sf]
nfk/jfxLaf6 lxtu|fxLnfO{ Iflt jf gf]S;fgL ePdf l;l8P;l;n], cfjZos b]v]df, cGo s'/fsf
cltl/Qm l;l8P;l;;dIf /x]sf s'g} klg lwtf]kqsf] ldnfg jf afF8kmfF8åf/f, ;j{k|yd To:tf]
Iflt jf gf]S;fgLnfO{ k'lt{ u/fpg]5 / ePsf] Iflt lgisfzgstf{af6 pk/ ul/lng]5 .
@@=@= l;l8P;l;n] cfkm" jf cfˆgf clwsf/L, sd{rf/L jf ;]jssf sfo{af6 P]g, lgod, ljlgodfjnL
/ ;~rfng lgb]{lzsfsf] pNn+3g jf unt k|:t'lt, hfn;fFhL, rf]/L df:g] jf ljZjf;sf] wf]sf
jf l;l8P;l;sf] lgisfzgstf{k|ltsf] bfloTj k"/f gu/]sf jf l;l8P;l;n] lbg] ;]jfsf] s'g}
klg sldsdhf]/Laf6 lgisfzgstf{nfO{ x'g uPsf ;a} Iflt, xfgL, gf]S;fgL;Fu ;DaGwL b:t'/
tyf vr{sf] lgisfzgstf{nfO{ xhf{gf lbg]5 .
@#= sfa'aflx/sf] kl/l:ylt M
o; ;Demf}tf jf ljlgodfjnLdf h'g;'s} s'/f n]lvPsf] eP tfklg cfFwL, t'kmfg, af9L, r6\ofª,
e"FO{rfnf], cfunfuL, lj:kmf]6g jf b}jL 36gf, o'4, ljb|f]x, qmflGt, x'nb+uf, lgif]wf1f, gfsfaGbL,
cj/f]w, b+uf, gful/s snx, x8\tfn, tfnfaGbL, alxisf/, s'g} pkof]uL ;]jfdf cj/f]wh:tf
dhb'/ sf/jfxL jf czflGt, zq'sf] sf/jfxL cfk/flws if8oGq, cft+ssf/Lsf] ultljlw jf
tf]8kmf]8, ljWj+z, cgfxs k|j]z jf k|ltsf/ ug{ g;lsg] cGo s''g} zlQm jf afWotfnufot
sfa' jf lgoGq0faflx/sf 36gfåf/f o; ;Demf}tfcGtu{tsf] bfloTjdf s'g} sfo{ ;Dkfbg
gu/]sf], ljnDa u/]sf] jf pNn+3g ePsf]df s'g} Ps kIfnfO{ x'g uPsf] xfgLgf]S;fgL,
Iflt;f]wegf{ jf Ifltk"lt{ lbg csf]{ kIf pQ/bfoL x'g]5}g .
@$= hgfp M
o; ;Demf}tfcg';f/ lbOg] cfjZos x'g] s'g} klg hgfp jf ;~rf/ lnlvt ¿kdf / k|fkssf]
xfn;fnsf] 7]ufgfdf gk7fP;Dd aGwgsf/L x'g]5}g .
@%= k|efj/lxttfsf] xb M
of] ;Demf}tfsf] s'g} klg k|fjwfg s'g} cbfnt, lgodgsf/L lgsfon] u}/sfg"gL, k|efjz"Go jf
nfu" ug{ g;lsg] egL lg¿k0f jf 7x/ u/]df jf s'g} sfg"gsf] ;+zf]wg, jf Goflos lg0f{osf
sf/0fn] z"Go jf nfu" ug{ g;lsg] agfOPdf o; ;Demf}tfdf x'g'kg]{;Dej eP;Dd
;Demf}tfsf cGo k|fjwfgx¿ km]/abn gu/L To:tf] k|fjwfg lgliqmo jf k|efj/lxt x'g]5g\ t/
;f] s'/fn] ;Demf}tfsf afFsL k|fjwfgx¿nfO{ c;/ ug]{5}gg\ .

30
 
@^= af]8{af6 ePsf ;+zf]wg jf x]/km]/ aGwgsf/L x'g] M
lgisfzgstf{ / l;l8P;;L jLr ePsf] o; ;Demf}tfdf jf]8{jf6 s'g} ;+zf]wg jf ;'wf/
ug{ hf/L lgb]{zgsf] b'j} kIfn] kfngf ug'{kg]{5 .
@&= kl/Tofu ug{ gkfpg] M
o;sf s'g} klg kIfn] o; ;Demf}tf cGtu{t ePsf jf sfg"gdf /x]sf s'g} klg clwsf/,
ljz]ifflwsf/ jf pkrf/ lnlvt ¿kdf sfof{Gjog u/]afx]s kl/Tofu ug{, 5f8\g jf cnlUug
kfpg]5}gg / kIfx¿ To:tf clwsf/, ljz]ifflwsf/ jf pkrf/ k|of]u gug{ jf ljnDa ug{]
s'/fn] To;sf] kl/Tofu u/]sf] s'/f jf o; ;Demf}tfsf] t];|f] kIfn] u/]sf] s'g} sfo{ljlw,
pNn+3g kl/Tofu lqmofzLn x'g]5}g ;fy} o; ;Demf}tfcGtu{t jf cGo sfg"g cGtu{t pknAw
clwsf/, ljz]ifflwsf/ jf pkrf/sf] Ps jf cf+lzs k|rng klg x'g]5}g jf ;fdfGotof o:tf
;a} clwsf/, zlQm, ljz]ifflwsf/ jf pkfox¿ Pscsf{df cg]s / ;~roL eP/ :jLsfl/Psf
x'g]5}gg\ .
@*= cg'zf;g / sf/afxL M
kIfx¿sf aLrdf pTkGg x'g ;Sg] ljjfb tyf leGgtfsf ;DaGwdf ljlgodfjnLdf
tf]lsPcg';f/sf] dWo:ytf ;ldlt ;DaGwL Joj:yf nfu" xg]5 .
@(= lgodgsf/L efiff M
o; ;Demf}tfkqsf] ljifoj:t'sf ;DaGwdf kIfx¿sf aLrdf sfof{Gjog x'g] ;a} lnvt,
sfuhft tyf n]vfO / cfbfgk|bfg ul/g] kqfrf/ g]kfnL efiffdf x'g]5 h'g kIfx¿aLrsf]
lgodgsf/L efiff x'g]5 .
#)= lgodgsf/L sfg"g M
of] ;Demf}tf k|rlnt g]kfnsf] sfg"gåf/f lgodg tyf JofVof x'g]5 .
#!= ;Demf}tfsf] sfof{Gjog M
of] ;Demf}tfsf] sfof{Gjog ;Ssn k|ltaf6 ul/g]5 h'g o;sf kIfx¿;Fu /xg]5g\ .
;Demf}tfsf k|yd kIf ;Demf}tfsf bf]>f] kIf
l;l8P;l;sf] tkm{af6 clwsf/ k|fKt lgisfzgstf{sf] tkm{af6 clwsf/ k|fKt
JolQmsf] gfd M JolQmsf] gfd M
b:tvt M b:tvt M
sDkgLsf] 5fk M sDkgLsf] 5fk M
;fIfL ;fIfL
!= =========================================== != ===========================================

O{lt ;+Djt ============ ;fn =============== dlxgf ============ ut] /f]h========== z'ed\ .

31
 
 cg';"rL – $
-ljlgod !) ;Fu ;DalGwt_
lgIf]k ;b:otfsf nflu lbg] lgj]bgsf] 9fFrf

ldlt M ===========================
>L l;l8P; P08 lSnol/Ë ln=
=====================================

lwtf]kq ;DalGw P]g, @)^# / ;f] cGtu{t ag]sf] lgod, ljlgod tyf cGo k|rlnt sfg"gsf]
clwgdf /lx lgIf]k ;b:osf] ?kdf sfo{ ug]{ OR5f ePsf]n] b]xfosf] ljj/0f tyf sfuhft ;+nUg
u/L lgIf]k ;b:osf] cg'dltkq k|fKt ug{ of] lgj]bg k]z ub{5' .
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]lhd ;x'Fnf, a'emfpFnf .

sfo{sf/L k|d'vsf]
gfd M
b:tvt M
;+ul7t ;+:yfsf] 5fk M

32
 
 Ä
cg';"rL – %
-ljlgod !$ / !% ;Fu ;DalGwt_
;b:otf b:t'/ tyf gjLs/0f z'Ns

!= ;b:otf b:t'/ M ?=%),))).–

@= ;b:otf gljs/0f b:t'/ M ?=@%,))).–

Ä klxnf] ;+zf]wg, @)^( 

33
 
 cg';"rL – ^
-ljlgod !)sf] pkljlgod @ sf] v08 -s_ ;Fu ;DalGwt_
xfn;fn
;+rfns÷sfo{sf/L k|d'v ;DalGw ljj/0f lvlrPsf]
kf;kf]6{
;fOhsf] kmf]6f]

!= gfd M–
@= :yfoL 7]ufgf M– ========c+rn=========== lhNnf================ uf=lj=;=÷g=kf=÷d=g=kf===============
6f]n========== j8f g+========= Ans g+= =========kmf]g g+= ============== ˆofS;========== Od]n
===================
#= xfnsf] 7]ufgf M– ========c+rn=========== lhNnf================ uf=lj=;=÷g=kf=÷d=g=kf===============
6f]n========== j8f g+========= Ans g+= =========kmf]g g+= ============== ˆofS;========== Od]n
===================
$= afa'sf] gfd M–
%= afh]sf] gfd M–
^= klt jf kTgLsf] gfd M–
&= z}lIfs of]Uotf M–
*= Joj;flos cg'ej M–
(= tflnd M–
!)= cGo sDkgLjf ;+ul7t ;+:yfdf :jfldTj jf s'g} nfesf] kbdf /x]sf] eP To; ;DaGwL ljj/0f
M–
!@= cfkm" pk/ jf cfkm" ;DaGw s'g} sDkgL jf ;+ul7t ;+:yf pk/ lwtf]kq ;DaGwLsfg"g tyf cGo
k|rlnt sfg"g adf]lhd s'g} sf/jfxL ePsf] jf e}/x]sf] eP ;f] ;DaGwL ljj/0f M–

====================
b:tvt
;+nUg ug'{kg]{ sfuhft M–
!= 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 k|dfl0ft ug]{ sfuhftsf] k|ltlnlk .
$= gful/stf k|df0fkq k|ltlnlk .

34
 
 cg';"rL – &
-ljlgod !)sf] pkljlgod @ sf] v08 -v_ ;Fu ;DalGwt_
lgIf]k ;b:osf] cg'dlt lng rfxg] ;+ul7t ;+:yf ;DaGwL ljj/0f

!= ;+:yf btf{ k|df0fkqsf] k|ltlnlk

@= k|aGwkq / lgodfjnL
#= ;+:yfksx? aLr lgIf]k ;b:o, sDkgL ;+:yfkg ug]{ ;DaGwdf s'g} ;Demf}tf ePsf] eP To:tf]
;Demf}tfsf] k|ltlnlk
$= s]lGb|o lgIf]ksf] ;b:otf lng ;+rfns ;ldltn] u/]sf] lg0f{o
%= sfof{no ;+rfngsf nflu tof/ ul/g] k"jf{wf/ ;DaGwL b]xfosf] ljj/0f M–
-s_ sfof{no /xg] :yfg tyf sfof{non] cf]u6\g] If]qkmn ;DaGwL ljj/0f,
-v_ sfof{no ;+rfngsf nflu Joj:yf ul/g] hgzlQm ;DaGwL ljj/0f,
-u_ ;+rfngsf nflu Joj:yf ul/Psf] sfof{no pks/0f tyf k|ljlw ;DaGwL ljj/0f,

35
 
 cg';"rL – *
-ljlgod !)sf] pkljlgod @ sf] v08 -u_ ;Fu ;DalGwt_
lgIf]k ;b:o sDkgLsf] z]o/ :jfldTj lng] ;+:yf;DaGwL ljj/0f

!= btf{ k|df0fkqsf] k|ltlnlk,

@= k|aGwkq / lgodfjnLsf] k|ltlnlk,
#= s'g} ljz]if P]gåf/f ;+:yf ;+:yfkgf ePsf] eP ;f] P]g / tT;DaGwL lgod tyf ljlgodsf] k|lt,
$= lgIf]k ;b:osf] z]o/ u|x0f ug]{ ;DaGwdf ;+rfns ;ldltn] u/]sf] lg0f{osf] k|ltlnlk,
%= k|rlnt sfg"gadf]lhd tf]lsPsf] 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]
jflif{s k|ltj]bg,
-;+:yfkgf ePsf] tLg jif{ k"/f gePsf] sDkgL jf ;+ul7t ;+:yfsf] xsdf pknAw jif{sf] ljQLo
ljj/0f tyf k|ltj]bg k]z ug{ ;lsg]5 ._
^= sDkgL shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf g/x]sf] pb\3f]if0f,
&= sDkgL jf ;+ul7t ;+:yf jf ;+:yfsf] ;+rfns pk/ lwtf]kq;DaGwL sfg"g tyf cGo k|rlnt
sfg"g adf]lhd s'g} sf/jfxL ePsf] jf e}/x]sf] eP ;f];DaGwL ljj/0f,
*= s/ btf{ k|df0f,
(= cGo sDkgL jf ;+ul7t ;+:yfdf :jfldTj /x]sf] eP tT;DaGwL ljj/0f,
!)= ;+rfns;DaGwL b]xfosf ljj/0f tyf sfuhft,
-s_ tLg k':t];lxt k"/f gfd / 7]ufgf,
-v_ cGo sDkgL jf ;+ul7t ;+:yfdf :jfldTj jf s'g} ;+nUgtf /x]sf] eP tT;DaGwL ljj/0f .

36
 
 cg';"rL – (
-ljlgod !$ ;Fu ;DalGwt_
l;l8P;l; / lgIf]k ;b:oaLrsf] ;Demf}tf
sf7df8f}+ l:yt /lh:6f8{ sfof{no /x]sf] l;l8P; P08 lSnol/Ë lnld6]8 -o;kl5 æl;l8P;l;Æ
elgPsf]_ k|yd kIf / =====l:yt sfof{no /x]sf]=================== -j}wflgs cl:tTj ePsf] lgsfosf]
ljj/0f_ o;kl5 -æ;b:oÆ elgPsf]_ bf]>f] kIf aLr b]xfosf zt{x? kfngf ug]{ ;xdltsf ;fy of]
;Demf}tf ul/Psf] 5 .
!= ;fdfGo k|fjwfg M
!=!= o; ;Demf}tfdf k|of]u ePsf t/ JofVof gul/Psf t/ sDkgL P]g @)^#, lwtf]kqsf] s]Gb|Lo
lgIf]k ;]jf lgodfjnL @)^& jf l;l8P;l;sf ljlgodfjnLx¿df JofVof ul/Psf] zAbfjnL
tyf jfSof+zx¿sf] cy{ plNnlvt P]g, lgod / ljlglod cg';f/ x'g]5g\ .
!=@= o; ;Demf}tfdf k|of]u ePsf ælxtu|fxLÆ, ækm5\of}{6 lgsfoÆ, ælgisfzgstf{Æ, æ;b:oÆ,
æ/lhi6«f/ jf lwtf]kq x:tfGt/0f k|ltlglwÆ h:tf zAbfjnL tyf jfSofz+x¿n] lwtf]kq
s]Gb|Lo lgIf]k ;]jf lgodfjnL, @)^& tyf lwtf]kq s]Gb|Lo lgIf]k ;]jf ljlgodfjnL, @)^*
df pNn]v eP adf]lhdsf] cy{ nfUg]5 . s]Gb|Lo
!=#= ;b:osf nflu lwtf]kqsf] s]Gb|Lo lgIf]k ;]jf lgodfjnL @)^& aGwgsf/L x'g]5 / o;}
;Demf}tfdf pNn]v eP ;/x / o;} ;Demf}tfsf] cËsf ¿kdf l;l8P;l;n] hf/L u/]sf]
ljlgodfjNfL tyf ;~rfng lgb]{lzsf Kffng ug{ ;xdt 5g\ .
!=$= ;b:o vf/]h x'g'eGbf cufl8 ;b:on] ;DkGg u/]sf, sfof{Gjog u/]sf, nfu' u/]sf,
;~rfng u/]sf jf To;f] ug{ cfjZos ePsf tyf ;b:o vf/]h x'Fbfsf] ;dodf afFsL, ck"0f{
jf clgl0f{t /x]sf ;a} ljifox¿, k|ljli6x¿ jf sf/f]af/x¿;Fu ;DalGwt lghsf
pQ/bfloTjx¿sf] ;dfkg ug{ jf kfngsf nflu cfjZos eP;Dd ljlgodfjnL tyf
;~rfng lgb]{lzsf adf]lhd ;b:o vf/]h ePkZrft\ klg ;b:osf xsdf aGwgsf/L
/lx/xg]5g\ .
!=%= ;b:on] l;l8P;l;nfO{ ltg'{kg]{] /sd tf]lsPsf] ldltleq a'emfpg' kg{]5 . o;/L tf]lsPsf]
;dodf /sd ga'emfPsf] cj:yfdf l;l8P;l;n] sfg"g adf]lhd c;'n pk/ ug{ ;Sg]5 .
@= ;b:on] h8fg ug'{kg]{ xf8{j]o/ tyf ;ˆ6j]o/ M
@=!= l;l8P;l;;Fu ;DalGwt sfo{x¿sf nfuL 5'6\ofOPsf] :yfgx¿df ;b:on] cfjZos sDKo'6/,
lk|G6/, ;~rf/sf pks/0fx¿ / cljl5Gg ljB't k|jfx PsfO, l;:6d ;ˆ6\j]o/ / tf]lsP
cg';f/sf cGo pks/0f xf8{j]o/ tyf ;ˆ6\j]o/ h8fg ug]{5 .
@=@= l;l8P;l;n] jf o;sf Ph]G6n] ;f]em} kl/k"lt{÷pknAw u/fPsf] cj:yfdf afx]s ;b:on]
vl/b u/]sf ;a} sDKo'6/x¿, ;~rf/sf pks/0fx?, lk|G6/, cljlR5Gg ljB't k|jfx PsfOx¿
tyf cGo ;a} xf8{j]o/ / ;ˆ6\j]o/x¿ tf]lsPsf] :j?k (Configuration)df kl/k"lt{ ePsf]
x'g'kg]{ s'/fdf ;xdlt sfod ul/Psf] 5 .
@=#= dfly pNn]lvt xf8{j]o/ tyf ;ˆ6\j]o/ ;+/rgfnfO{ ;b:on] lglZrt sDKo'6/ k|f]u|fd
(Application  Module) sf nflu dfq k|of]u ug]{5, / olb ToxfF e08f/0f tyf k|lqmofut

37
 
 Ifdtf a9L ePdf klg To;nfO{ ;b:on] cfˆgf] sfof{nosf] cGt/k|0ffnL jf ;~rfng
nufot cGo s'g} klg sDKo'6/ k|of]udf pkof]u ug]{5}g .
@=$= l;l8P;l;sf] lnlvtcg'dlt lagf ;b:on] cfˆgf] sfof{nocfGtl/s Jofks If]qsf] ;~hfn
(Wide Area Network)df plNnlvt xf8{j]o/ h8fg ug]{5}g .
@=%= xf8{j]o/nfO{ yk36 ug{ abNg, :t/f]Gglt ug{ jf lj:yfkg ug{ nfUg] vr{ ;b:o cfkm}n]
Joxf]g]{5 .
#= cfa4tf / k|0ffnLx¿ M
#=!= ;b:o / l;l8P;l;n] Pscfk;df ;~rf/sf] ljB'tLo dfWod lg/Gt/ ¿kdf :yfkgf
ug]{5g\ .
#=@= lgIf]k;Fu ;DalGwt sfo{;~rfngsf] nflu k|efjsf/L tyf l56f]5l/tf] ¿kdf sf/f]af/
;Dkfbg ug{ cfjZos x'gfn] l;l8P;l;n] ;do;dodf ;b:onfO{ ;~rfngsf] cfjZos
lgb]{zg k|bfg ug]{5 .
#=#= ;b:on] l;l8P;l;sf] ;b:o ePsf] gftfn] o;sf] ;~rfng;DaGwL l;l8P;l;n] tf]s]
adf]lhdsf To:tf k|0ffnL, ljlw, ;~rf/sf ;fwg, ;+/rgf, xf8{j]o/, ;ˆ6j]o/, ;'/Iffsf
pks/0fx¿, e08f/0f÷cfwf/ ;'ljwfx¿ (Back‐up  Facilities) cfˆgf] vr{df vl/b tyf
dd{t;Def/ ug]{5 / l;l8P;l;n] ;do;dodf tf]s]cg';f/ ltgLx¿nfO{ :t/f]Gglt jf
lj:yfkg ug]{5 .
#=$= l;l8P;l;n] l;kmfl/; u/]sf] ;a} k|0ffnL tyf sfo{ljlwx¿nfO{ ;b:on] kfngf ug]{5 /
l;l8P;l;n] sfo{ljlwsf] kfngfsf] cfjlws d"NofÍg ug{sf nflu v6fPsf] sDKo'6/s[t
k|0ffnLsf] sfo{;Dkfbg k/LIf0f ug{ ljz]if ;Lk ePsf jf lj1x¿ ePsf] Ps jf Ps eGbf
a9L Joj;foLx¿sf] ;d"x -h;nfO{ æk|0ffnLsf] kl/If0f ug]{ ;d"xÆ eg]/ a'lemG5_ nfO{ cfˆgf]]
k|0ffnL ;Ddsf] kx'Fr ;b:on] k|bfg ug]{5 .
$= sfo{;~rfng k|f/Dex'g] ldlt M
l;l8P;;Laf6 ;b:onfO{ sfo{ ;~rfng ug{ ;xdlt k|bfg u/]sf] ldltb]lv sfo{ k|f/De
ug]{5 .
%= ;b:on] l;l8P;l;nfO{ pknAw u/fpg'kg]{ ;"rgfx¿ M
%=!= b]xfoadf]lhd pNn]v ul/Psf] cjlwleq ;b:on] l;l8P;l;nfO{ b]xfoadf]lhd ;"rgfx¿
pknAw u/fpg] M
%=!=!= cfly{s jif{ ;dflKtsf] ltg dlxgfleq ;b:on] n]vfk/LIf0f ePsf] cfˆgf] jflif{s
n]vfsf] cfwf/df cfˆgf] ;DalGwt lgodgsf/L ;+:yfn] tf]s]cg';f/ tof/ u/]sf]
n]vfk/LIfs åf/f k/LIf0f u/fPsf] v'b ;Dklt ljj/0f÷k|df0fkq k]; ug]{5 . t/ o;
k|s/0fcGtu{t hf/L ul/Psf] k|df0fkq÷ljj/0fdf ljutdf pNn]v ul/Psf] ;b:osf]
v'b ;Dklt eGbf o; k6ssf] v'b ;Dklt sd ePsf] v08df, ;b:on]
l;l8P;l;nfO{ o;af/] t'?Gt vj/ ug]{5 / l;l8P;l;n] dfu u/]df dfly
n]lvPadf]lhd tof/ u/L j}wflgs n]vfk/LIfs4f/f k|dfl0ft v'b ;Dkltsf] ljj/0f
l;l8P;l;nfO{ k|bfg ug'{kg]{5 . tt\kZrft l;l8P;l;n] lgodfjnL, ljlgodfjnL jf
o; ;Demf}tf cg';f/sf] pko'Qm sf/jflx ug{ ;Sg]5 .

38
 
 %=!=@= ;b:o, s'g} dfGotfk|fKt lwtf]kq ahf/ ;b:o ePdf jf kl/l:yltcg';f/ To:tf]
lwtf]kq ahf/sf ljlgodx¿ cyjf To; ;DalGw ;/sf/n] jf Gf]kfn lwtf]kq af]8{Nf]
th{'df u/]sf] sfg"gx¿sf] kfngf gu/]df jf pNn+3g u/]df jf e+u u/]df cyjf
lghsf ;~rfng, ultljlw jf ;b:otfx¿ Kfl/l:yltcg';f/ lwtf]kq ljlgdo, jf
cGo lgIf]k ;+:yfn] lgnDag jf vf/]h u/]df, To:tf] pNn+3gsf] k|s[lt / To:tf]
pNn+3g, lgnDag jf vf/]hsf] sf/0f 36gf ePdf 36gf x'gf;fy hfgsf/L u/fpg'
kg]{5 .
%=!=#= lxtu|fxLaf6 Ps dlxgfe/ k|fKt ph'/L, ;f]xL dlxgf ;dfwfg u/]sf÷;dfwfg gu/]sf
ph'/Lsf] ;+Vof tTkZrft\sf] cj:yf / ;b:on] ;dfwfgsf] nflu rfn]sf] sbd csf]{
dlxgfsf] b; lbg leq hfgsf/L lbg' kg]{5 .
%=!=$= l;l8P;l;nfO{ a'emfPsf] cfj]bg kmf/ddf ePsf s'g} klg ljifox¿;Fu ;DjlGwt
s'g} klg s'/fdf ePsf] kl/j{tgsf] oyfl;3| ;b:on] l;l8P;l;nfO{ ;"lrt ug'{kg]{5 .
%=!=%= ;b:o;Fu ePsf] lxtu|fxL ;DalGw ;"rgf tyf vftfx¿ ;b:on] l;l8P;l;nfO{
cfjZos ePcg';f/ ;do ;dodf k|bfg ug'{kg]{5 .
%=!=^= ;b:o shf{ ;"rgf s]Gb|af6 sfnf] ;"lrdf kg{ uPdf ;f] sf] af/]df l;l8P;l;nfO{
t'?Gt} va/ ug'{kg]{5 .
^= ;b:osf] sfd st{Jox? M
^=!= ;b:on] lxtu|fxL;Fu s'g} ;Demf}tf ug'{k"j{ jf vftf vf]Ng'k"j{ b]xfoadf]lhd ug]{5 M
^=!=!= vftf vf]Ng cfjZos ljifox?sf af/] ;f]wk'5 ug]{5 tyf ljutsf lqmofsnfksf] d"NofÍg
ug{ ljz]if ;fjwfgL tyf ;t{stf ckgfpg]5 .
^=!=@=lxtu|fxLn] vftf vf]Ng jf lwtf]kqx¿nfO{ cef}ltsLs/0f ug{ k]; u/]sf ;a}
sfuhftx¿sf] j}wtf hfFr ug]{5 .
^=!=#= ;b:on] ;DalGwt lxtu|fxL jf l;l8P;l;af6 k"j{ lnlvt cfb]z k|fKt gul/ lxtu|fxLsf]
vftfnfO{ 8]la6 jf qm]l86 ug]{5}g\ .
^=!=$= ;b:on] x/]s lxtu|fxLsf] gfddf leGgf leGg} vftf vf]nL clen]v /fVg]5 / k|To]s
lxtu|fxLsf] lwtf]kqx¿nfO{ cnu} /fVg]5 tyf cGo lxtu|fxL jf ;b:o :jo+sf
lwtf]kqx¿;Fu ld;fpg] 5}g .
^=!=%= ;b:on] sDtLdf % -kfFr_ jif{;Dd ;a} ;Ssn sfuhftx¿ h:t} M vftf vf]Ng]
kmf/dx¿, lxtu|fxL ;+usf ;Demf}tfx¿ tyf lxtu|fxLaf6 k|fKt lgb]{zgx¿,
cef}ltsLs/0f cg'/f]w kmf/d tyf k'gMef}ltsLs/0f cg'/f]w kmf/dsf] 5fofFk|lt klg
;'/lIft ¿kdf /fVg'kg]{5 .
^=!=^= ;b:on] u/]sf] jf p;sf] dfkm{t ePsf sf/f]af/;Fu ;DalGwt z'Ns, b:t'/, afFls tyf
hl/jfgf ltg]{ ;b:osf] l;l8P;l;k|ltsf] lhDd]jf/L tyf bfloTj lgzt{ x'g]5 .
^=!=&= lxtu|fxLaf6 k|fKt cfb]znfO{ ;f]xL lbg ;b:on] sfof{Gjog ug'{kg]{5 t/ o;f] ug{
5'6]df÷g;s]df To; lgb]{zgnfO{ 7Ls csf]{ lbgsf] sfof{no ;doleq ;DkGg ug'{kg]{5 .
^=!=*= lxtu|fxLsf] :jfldTjdf /x]sf] cyjf ;b:on] ug]{ sf/f]af/sf] l;nl;nfdf p;sf]
lhDdfdf cfPsf] s'g} klg lwtf]kq, clen]v jf sfuhftx¿ gi6 ePdf jf rf]/L ePdf
39
 
 ;b:on] t'?Gt} l;l8P;l;, ;DalGwt lgisfzgstf{{ cyjf /lhi6«f/ tyf lxtu|fxLnfO{ ;f]
;DaGwdf ;"lrt ug]{5 .
^=!=(= ;b:on] u/]sf] jf ;b:odfkm{t ul/Psf k|ljli6, sf/f]af/ jf :yfgfGt/0fx¿;Fu g]kfn
;/sf/n] hf/L u/]sf] lgodcg';f/ ltg{'kg]{ s'g} klg k|s[ltsf z'Ns s/ jf b:t'/x¿
ltg'{kg]{ ePdf sfg"gn] dfu] adf]lhd lt/] glt/]sf] ;'lglZrt ug{ ;b:o cfkm}+ lhDd]jf/
x'g]5 .
^=!=!)= ljlgodfjnL tyf ;~rfng lgb]{lzsfdf pNn]v ePcg';f/ / tf]lsPsf] ;do leq
ef}ltsLs/0f jf k'gMef}ltsLs/0f ug{ lxtu|fxLaf6 k|fKt cfu|xnfO{ ;b:on] cufl8
a9fpg]5 tyf lgodfjnL tyf l;l8P;l;åf/f Joj:yf ul/Pcg';f/ ;f] sf] clen]v
/fVg]5 .
^=!=!!= o; ;Demf}tfdf jf ljlgodfjNfLx¿df cGoq h'g;'s} s'/f n]lvPsf] eP tfklg, cbfnt
cyjf sfg"gadf]lhdsf] lgsfosf] cfb]zsf] cjx]ngf x'g] ePdf cyjf g]kfn ;/sf/ jf
Gf]kfn lwtf]kq af]8{ jf ;b:o jf l;l8P;l;åf/f kfngf ul/g] cGo s'g} j}wflgs lgsfo
jf /fh:Jf clwsf/Lsf] s'g} cfb]z jf lgb]{zgsf] cjx]ngf x'g] ePdf cyjf lxtu|fxLsf]
enf] gx'g] 7x/ u/]df s'g} klg k|ljli6 jf sf/f]af/nfO{ d"t{ ¿k lbg ;b:o afWo x'g]
5}g .
^=!=!@= P]g, lgod cGtu{t lgIf]k ;b:onfO{ lbPsf] lhDd]jf/Lcg';f/ lxtu|fxLsf] vftf /f]Ssf
ug]{ jf lxtu|fxLsf] vftf;Fu ;DalGwt s'g} sf/jflx af/] cbfnt Gofolws/0f, g]kfn
;/sf/ jf sfg"g adf]lhd clVtof/L k|fKt clwsf/Lsf] s'g} cfb]znfO{ To:tf
clwsf/Laf6 lxtu|fxL kl/ro gDa/ jf :yfoL n]vf gDa/ jf gful/stf k|df0fkq gDa/
;fy} To:tf] cfb]zdf kof{Kt oyfy{ ljj/0f pNn]v gePsf] eP k|i6 lgb]{zg k|fKt ePkl5
dfq To:tf] sf/jflxnfO{ l;l8P;l;jf ;b:on] cufl8 a9fpg]5g\ .
^=!=!#= lxtu|fxLn] lbPsf lgb]{zg jf sfof{b]zpk/ cfjZos sf/jflx ug{] lhDd]jf/L ;b:osf]
x'g]5 / lxtu|fxLsf] lgb]{zg jf sfof{b]zsf] k"/f gu/]sf sf/0faf6 x'g] kl/0ffdsf]
lhDd]jf/ ;b:o :jo+ x'g]5.
^=!=!$= lwtf]kq ahf/df ePsf] sf/f]af/sf] /fkm;fkm tyf km5\of}{6 k|of]hgsf] nflu tYof+s
k|ljli6 tyf lwtf]kqsf] :yfgfGt/0f ug]{ ;DaGwdf l;l8P;l;n] ;do;dodf lgwf{l/t
u/]sf] sfo{tflnsfnfO{ ;b:on] clgjfo{ kfngf ug]{5 .
^=!=!%= ;b:on] lxtu|fxLnfO{ lghsf vftfdf ;f] dlxgfdf s]jn Pp6f k|ljli6 jf sf/f]af/ ePdf
x/]s dlxgfsf] cGtdf / cGo cj:Yffdf x/]s cfly{s jif{sf] cGtdf vftfsf] kmfF6jf/L
k|bfg ug]{5 . ;b:on] cfjZos b:t'/ lnO{ lxtu|fxLnfO{ rflxPsf] a]nf 5f]6f]
;dofjlwdf To:tf] kmfF6jf/L k|bfg ug]{5 .
^=!=!^= ;b:on] lxtu|fxLsf] lgb]{zgk'hL{df b:tvtnufot lxtu|fxLn] jf lghsf xsdf hf/L
ePsf lgb]{zgx¿sf] cflwsfl/stf hfFr k|dfl0ft ug]{ pQ/bfloTj ;b:osf] x'g]5 /
lgb]{zgk'hL{sf] b:tvt 7Ls b'?:t ePsf] s'/fdf cfkm" ;Gt'i6 ePkl5 lgb]{zgsf]
;Dkfbg ug]{5 . o; ;DaGwdf l;l8P;l; jf Gf]kfn lwtf]kq af]8{n] ;do;dodf tf]s]sf
k|lqmofx¿ 7Ls7Ls 7fpFdf /x]sf] s'/f ;b:on] lglZrt ug]{5 .

40
 
 ^=!=!&= P]g, lgod, Gf]kfn lwtf]kq af]8{ / sDkgL /lhi6f/af6 dfu{bz{g, hgfp, kl/kq jf
h'g;'s} gfddf ul/Psf kqfrf/, ljlgodfjnL / ;~rfng lgb]{lzsf, g]kfn lwtf]kq af]8{
tyf g]kfn /fi6« a}+saf6 ;do;dodf hf/L ePsf kl/kq;Fu d]n gvfg] u/L lxtu|fxLsf]
gfddf s'g} vftf gvf]lng] s'/f lglZrt kfg'{ ;b:osf] st{Jo x'g]5 .
&= ;b:osf] cfˆg} vftf;DaGwL bfloTj M
&=!= ;b:on] l;l8P;l;df cfkm"n] /fv]sf jf cfˆgf] gfddf /x]sf lwtf]kq;Fu cfkm"n] ;b:osf]
¿kdf lxtu|fxLsf gfddf /fv]sf lwtf]kqx¿nfO{ ld;fpg]5}g .
&=@= ;b:on] cfˆgf vftf -lxtu|fxLsf lgh;Fu /x]sf vftfeGbf leGb}_ df lwtf]kq lgIf]k hDdf ubf{
/ lemSbf ljlgodfjnL / ;~rfng lgb]{lzsfn] sfod u/]sf sfo{ljlw;Fu ldNbf] u/L ug]{5 .
*= clen]v le8fg / q'l6 ;Rofpg] M
*=!= ;b:on] l;l8P;l;;Fusf lghsf clen]vx¿ b}lgs ¿kn] le8fpg'kg]{5 . lxtu|fxLx¿sf ;a}
clen]v / ;b:on] l;l8P;l;af6 kfPsf ;~ro, kmfF6jf/Lsf] hfFr ug]{ / le8fg ug]{ ug'{k5{
/ To:tf clen]v, ;~ro, kmfF6jf/L / k|ltj]bgdf s'g} q'l6 jf 5'6k'6sf] l;l8P;l;nfO{
t'?Gt hgfp lbg'kg]{5 .
*=@= l;l8P;l;n] pknAw u/fPsf s'g} klg ;'emfj, kmfF6jf/L jf k|ltj]bgdf s'g} q'l6 gePdf
;DalGwt dfldnfsf nflu clGtd x'g]5 . l;l8P;l;n] cGoyf :jLsf/ u/]df afx]s, s'g} klg
;'emfj, kmfF6jf/L jf k|ltj]bgdf /x]sf] s'g} q'l6 jf 5'6k'6 l;l8P;l;n] pNn]v u/]sf]
;doleq ;b:on] hfgsf/L u/fpg g;s]df ;Rofpgsf nflu cfjZos s'g} klg clwsf/
;b:on] kfpg]5}g .
*=#= q'l6 ;Rofpg] ljifo lxtu|fxLsf] lxtdf 5 eGg] s'/fdf ;Gt'i6 ePdf l;l8P;l;n] dfly
n]lvPcg';f/sf] s'g} q'l6 jf 5'6k'6 ;Rofpg ;b:on] l9nfu/L u/]sf] cg'/f]wnfO{ dfGg
;Sg]5 . ;b:osf] o:tf] cg'/f]wnfO{ l;l8P;l;n] dfGotf lbPdf cg'/f]wsf] l9nfOaf6
l;l8P;l; jf cGo s'g} ;b:o jf lxtu|fxLnfO{ ePsf] s'g} klg Ifltsf nflu ;b:o
pQ/bfoL x'g]5 .
*=$= s'g} klg lxtu|fxLsf vftfsf q'l6k"0f{ k|ljli6 jf sf/f]af/ ;Rofpg] clwsf/ l;l8P;l;df
/xg]5 . o:tf] s'g} klg e"n;"wf/sf] sfo{ ;Dkfbg ubf{ l;l8P;l;n] ;b:o / To:tf]
lxtu|fxLnfO{ ;"lrt ug]{5 .
*=%= lxtu|fxLsf] vtfdf /x]sf] lwtf]kqx¿df unt x|f; cfpg] jf ;Gt'ng C0ffTds x'g] u/L
;b:otkm{af6 ePsf] q'l6, uNtL jf nfk/jfxL ePsf] s'g} klg q'l6k"0f{ k|ljli6 jf sf/f]af/
ePdf, l;l8P;l;sf cGo s'g} klg clwsf/ tyf pkrf/x¿;Fu k"jf{u|x g/fvL, l;l8P;l;n]
cfˆgf] lg/k]If thlahdf b]xfosf Ps jf a9L ug{ ;Sg]5 M
*=%=!= ;b:osf] nfut / vr{df Go"g ePsf] lwtf]kqsf] ;b:oaf6 c;'n ug{ nufpg],
*=%=@= k|rlnt ahf/d"Nodf c;'n :j¿k Go"g ePsf] lwtf]kq cfkm}n] vl/b ug]{ . o:tf]
lwtf]kq vl/bsf] l;nl;nfdf l;l8P;l;af6 ePsf nfut / vr{ ;b:on] a]xf]g]{5 .
pNn]v ePadf]lhd l;l8P;l;af6 To:tf Go"g lwtf]kqsf] vl/b jf c;'n ug]{
l;nl;nfdf ePsf ;a} nfut, z'Ns, b:t'/, dx;'n, 3f6f / Iflt ;b:on]
l;l8P;l;nfO{ zf]wegf{ ug'{kg]{5 .

41
 
 *=%=#= l;l8P;l;n] tf]s]sf] ;doleq s'g} klg sf/0fn] Go"g lwtf]kq c;'n x'g g;s]df,
l;l8P;l;n] ;b:onfO{ Go"g lwtf]kq To:tf] q'l6k"0f{ k|ljli6 jf sf/f]af/ ePsf] ldlt
jf zf]wegf{sf] ldltdf lwtf]kqsf] d"Nosf] gub jf ahf/d"NodWo] pRr x'g]
l;l8P;l;n] 7Ls 7x/fPsf] /sd lxtu|fxLnfO{ zf]wegf{ ug{ nufpg ;Sg]5 .
*=%=$= Go"g lwtf]kq jf ;f]sf] ;6\6fdf zf]wegf{sf] c;'n afFsL /fvL l;l8P;l;n] pko'Qm
x'g] 7x/fPsf] lwtf]kq jf cltl/Qm lwtf]kqsf] /sd l;l8P;l;nfO{ e'Qmfg ug{
;b:onfO{ cfXjfg ug]{5 .
Ä
(= lwtf]kqsf] ;Ldf M
lgIf]k ;b:on] lgIf]k Joj:yfkg u/]sf] lxtu|fxLsf] lwtf]kqsf] ahf/ d"No cfkm\gf] v'b ;DklQ
d"Nosf] %)) u'0ff eGbf a9L x'g' x'g] 5}g .  
!)= ;Demf}tfsf] 9fFrf aGwgsf/L x'g] M
o;df h'g;'s} s'/f n]lvPsf] eP tfklg, ;b:on] x/]s lxtu|fxL / lwtf]kq bnfn;Fu ug]{
;Demf}tfsf] ;Gbe{df ljlgodfjnLdf ;+nUg cg';"rLsf] d;f}bf ;Demf}tfkqsf] 9fFrf s8fO{k"j{s
kfngf ug'{kg]{5 / l;l8P;l;sf] k"j{ lnlvt ;xdlt k|fKt u/]df afx]s ltgdf s'g} cGt/,
km]/abn, yk jf s]/d]6 ug{ kfOg]5}g . plNnlvt d;f}bf ;Demf}tf ljlgodfjnL / ;~rfng
lgb]{lzsf lj?4 ePdf ;b:on] lghsf tkm{af6 lbPsf] s'g} klg kmfF6jf/L jf u/]sf] s'g}
k|ltlglwTj jf s'g} bfloTj jf bftJosf nflu ;b:o k"/fk"/ pQ/bfoL x'g]5 .
!!= cfGtl/s lgoGq0f / n]vfk/LIf0f M
!!=!= ;b:on] cGo s'/fsf cltl/Qm ljlgodfjnL / ;~rfng lgb]{lzsfdf pNn]v ePadf]lhd
uf]kgLotf kfng ug]{ s'/f lglZrt kfg{sf nflu lghsf] cfGtl/s sfo{;Dkfbgsf] lgoldt
k'g/fjnf]sgsf nflu leGb} cfGtl/s lgoGq0f tyf n]vfk/LIf0f ljefu v8f ug]{ nufotsf
n]vfk/LIf0f tyf lgoGq0fsf pkfox¿sf nflu pko'Qm k|0ffnL h8fg tyf Joj:yfkg
ug'{kg]{5 .
!!=@= ;b:osf] ¿kdf lghsf lqmofsnfk tyf sfo{;~rfng, sfo{;Dkfbg, cfly{s, k|fljlws tyf
cGo ;"rgfjnL, hfgsf/L, k|ltj]bg, n]vfk/LIfsn] n]vfk/LIf0f / k|dfl0ft u/]sf s'/f
;do;dodf / cj:yfcg';f/ ljlgodfjnL / ;~rfng lgb]{lzsfn] tf]s]sf cjlw, 9fFrf /
tl/sfcg';f/ k]z ug'{kg]{5 .
!@= l;l8P;l;af6 lg/LIf0f M
l;l8P;l;n] cfˆgf tkm{af6 lgl/If0fsfnflu clVtof/L k|bfg u/]sf JolQmx¿af6 ;b:osf
;Dk"0f{ sfd sf/jflx;Fu ;DalGwt ;'ljwf, k|0ffnL, clen]v tyf vftfx¿sf] lg/LIf0f ug{] xs
/fVg]5 / ;b:on] o;/L clVtof/k|fKt JolQmnfO{ sfo{lbgdf ;b:osf] sfof{no jf
sfo{Jofkf/sf] ;dodf lghsf xftfdf k|j]z ug{ / lghsf ;'ljwf, k|0ffnL, clen]v tyf
vftf;Dd kx'Fr lbO{ ltgsf] k|ltlnlk lng cg'dlt lbg'kg]{5 .
!#= ;b:on] l;l8P;l;nfO{ cljnDa hgfp lbg'kg]{ ljifox¿ M
!#=!= ;b:on] b]xfosf s'/f cljnDa l;l8P;l;nfO{ hgfp lbg]5 M

Ä klxnf] ;+zf]wg, @)^(

42
 
 !#=!=!= cbfnt;dIf lj36gsf nflu lgj]bg k/]df jf ;b:osf] lj36g;DaGwL k|:tfj kf;
ePdf,
!#=!=@= ;b:o ufleg], ldl;g] jf k'gu{7g ePdf,
!#=!=#= lghsf] 6f6kN6fO, bfdf;fxL, lnlSj8];g jf o;sf] ;DklQ ;fg]{ ljifodf s'g} lgj]bg
k|:t't ePsf] s'/fdf hfgsf/L ePdf,
!#=!=$= ;b:o jf lghsf] ;DklQpk/ s'g} s/, dx;'n, b:t'/, b08,hl/jfgf afFsLaSof}tf
c;'npk/sf nflu ;b:olj?4 s'g} j}wflgs jf /fh:j clwsf/Laf6 s'g} ph/L
5fgaLg ePsf] hfgsf/L ePdf,
!#=!=%= ;b:osf] ;DklQsf] ljjfbdf s'g} cbfnt;dIf s'g} lgj]bg k|:t't ePdf,
!#=!=^= lghsf] bfdf;fxL, lj36g jf ;dflKt x'g ;Sg] u/L lghsf] cfly{s cj:yfdf s'g}
km]/abn ePdf,
!#=!=&= lghsf] s'g} ;DklQsf ;DaGwdf lnlSj8]6/, lgo'Qm ug]{ k|:tfj ljrf/ ug{ s'g} a}7s
af]nfOPdf jf ;b:osf] ¿kdf sfd ug]{ lghsf] IfdtfnfO{ ef}lts ¿kn] c;/ kfg{
;Sg] kl/l:yltsf] s'g} klg k]m/abn ePdf,
!#=!=*= ;b:o lwtf]kq bnfn ;d]t ePdf ;DalGwt lwtf]kq ahf/ jf af]8{af6 lgh l8kmN6/
ePsf] jf ;b:otf lgnDag jf ;dfKt ePsf] 3f]lift ul/Pdf,
!#=!=(= ;b:on] af]8{ jf l;l8P;l;n] lgwf{/0f u/]sf of]Uotf k"/f gu/]df,
!#=!=!)= o; ;Demf}tfkqsf lghsf bfloTjx¿ ;Dkfbg / k"/f ug]{ lghsf] Ifdtf, pkl:ylt
jf Jofkfl/s ;DefJotfnfO{ j:t'tM c;/ ug]{ dgfl;j ;Defjgf /x]sf] jf
l;l8P;l; jf af]8{ jf sfg"g cGtu{tsf] cGo s'g} lgofds kbflwsf/Ln] lgwf{/0f
u/]sf of]Uotf zt{nfO{ ef}lts k|lts"n kl/jt{g ug{ ;Sg] s'g} klg kl/36gfaf/]
;b:o ;r]t ePdf .
!$= aLdf ;d]6\g'kg]{ M
l;l8P;l;n] ;do;dodf lbPsf] lgb]{zfg';f/ ;b:on] lwtf]kq lgIf]k Joj;fosf] aLdf ug]{5 .
!%= ;b:on] k]z ug'{kg]{ ;'/If0f M
!%=!= l;l8P;l;n] s'g} klg ;dodf lgwf{/0f u/]adf]lhdsf] tl/sf / xbdf dfu]adf]lhd To:tf]
;'/If0f jf cltl/Qm jf sf]n]6/n ;'/If0f ;b:on] l;l8P;l;nfO{ pknAw u/fpg'kg]{5 .
;'/If0f jf cltl/Qm jf sf]n]6/n ;'/If0fsf] lgwf{/0fsf nflu l;l8P;l;n] cGo s'/fsf
cltl/Qm ;b:o, lghsf k|ltlglw jf sd{rf/Lsf tkm{af6 ePsf s'g} klg hfn;fhL,
nfk/jfxL, e"nr"s, untsf{osf sf/0fn] lxtu|fxLsf vftfdf /x]sf lwtf]kqx¿sf] le8fg
gePsf] df}Hbft jf df}Hbftsf] clwstf jf Go"gtfnfO{ ;d]t Wofgdf /fVg]5 . o:tf] ;'/If0f
;b:on] l;l8P;l;;dIf klxnf k]; u/]sf s'g} klg ;'/If0faf6 :jtGq / cltl/Qm x'g]5 .
!%=@= lgIf]k ;b:on] l;l8P;l;;dIf k]; u/]sf] ;'/If0f, cltl/Qm ;'/If0f jf sf]n]6/n ;+/If0fsf
¿kdf /x]sf] s'g} klg ;DklQnfO{ a]rlavg, :yfgfGt/0f jf cGoyf cnUofpg] jf ltgdf
s'g} lwtf]aGwsL /fVg] jf cGo tl/sfn] ltgsf] clwsf/nfO{ bf]xf]/f] vt/fdf kfg]{ sfo{
ug]{5}gg\ .

43
 
!%=#= lgIf]k ;b:on] l;l8P;l; ;dIf k]; u/]sf] ;a} jf s'g} klg ;'/If0f lgIf]k ;b:osf] jf cGo
s'g} lxtu|fxL, lgIf]k ;b:o, /lhi6«f/ jf /fkm;fkm ;+:yf;Fusf] s'g} klg bfloTjdf jf ;f]sf]
;Gt'li6sf nflu ;b:onfO{ k"j{;"rgf glbO{ k|of]u ug{ ;Sg]5 .
!^= clVtof/k|fKt k|ltlglw M
;b:on] of] ;Demf}tfkqsf] sfof{Gjog;Fu} l;l8P;l;;dIf cfkm"n] clVtof/ k|bfg u/]sf
kbflwsf/Lx¿sf] ;"rL k]; ug]{5 h;n] l;l8P;l;;dIf lghsf] lxtsf] k|ltlglwTj ug]{5g\ .
To:tf] ;"rLdf ul/Psf] yk, 36 jf x]/km]/ l;l8P;l;;dIf cljnDa ;~rf/ ul/g]5 .
!&= uf]kgLotf M
!&=!= o;sf kIfx¿n] o; ;Demf}tfkq cGtu{tsf bfloTj ;Dkfbg ug]{ l;nl;nfdf v'nfpg'kg]{ jf
uf]Ko /fVg'kg]{ jf ljlgodfjnLcGtu{t s'g} klg kIfn] t];|f] kIfnfO{ v'nf;f ug{ gx'g]
;d]tsf t/ ltg}df dfq ;Lldt gx'g] ;a} k|fljlws tyf Jofkfl/s ;"rgfx¿ clgjfo{ ?kdf
uf]Ko /fVg]5g\ .
!&=@= o;sf] s'g} klg kIf sfg"g adf]lhdsf] bfloTj k"/f ug{sf nflu clwsf/k|fKt lgsfonfO{
rflxPsf] jf cfˆgf] clwsf/sf] k|rngsf nflu jf lxtsf] ;+/If0fsf nflu s'g} ;Gbe{ljgf
csf{sf] pkrf/sf] nflu jf ;DalGwt lxtu|fxLnfO{ lbgsf nflu sfg"gn] clwsf/ lbPsf] s'g}
klg lgofds jf /fh:j clwsf/Lsf] lnlvt cfb]z jf dfu u/]sf] ljj/0f, kmfF6jf/L,
;"rgfjnL jf ;"rgf pknAw u/fpg jf v'nf;f ug{ :jtGq x'g]5 . t/ plNnlvt To:tf]
;"rgfsf] pknAwtf jf v'nf;fn] s'g} klg kIfn] csf]{ kIf;Fu /x]sf ljj/0f, kmfF6jf/L,
;"rgfjnL jf ;"rgfsf] uf]Kotf pknAw u/fpg jf v'nf;f u/fpg kfpg]5}g .
!*= 7]ufgf kl/jt{g M
/lh:6f8{ sfof{nosf] k|:tfljt :yfgkl/jt{g ;fy} sDKo'6/s[t clen]v, e08f/0f ;'ljwf /
l;l8P;l;;Fusf] ;~rf/sf] Joj:yfkgsf pks/0f /x]sf] xftfsf] :yfgsf] s'g} klg kl/jt{g
ePdf sDtLdf To:tf] kl/jt{gsf] & -;ft_ lbg k"j{ l;l8P;l;nfO{ hfgsf/L u/fpg'kg]{5 .
!(= e08f/0f ;'ljwf M
!(=!= ;b:on] l;l8P;l;n] l;kmfl/; u/]cg';f/sf] e08f/0f sfo{ljlw nfu" ug'{kg]{5 . ;b:on]
ug'{kg]{ sDKo'6/ k|0ffnLsf] e08f/0f ;'ljwfsf] cBfjlws ug]{ sfo{af6 x'g uPsf] s'g} klg
Iflt jf xfgL jf sdhf]/Lsf nflu l;l8P;l; hjfkmb]xL x'g]5}g .
!(=@= l;l8P;l;n] v6fPsf] s'g} klg JolQmnfO{ ;b:on] lghsf] e08f/0f ;'ljwf;Ddsf] kx'Frsf
nflu cg'dlt lbg]5 / l;l8P;l;nfO{ rflxPcg';f/sf] plNnlvt ;'ljwfdf kfng ul/Psf]
k|ltj]bg pknAw u/fpg]5 .
@)= lxtu|fxLsf] u'0ff;f] / ph'/sf] pkrf/ M
;b:on] lxtu|fxLsf] s'g} klg u'0ff;f] jf ph'/ ePdf ;dfwfg ug'{kg]{5 / u'0ff;f] jf ph'/
k|fKt ePsf] !% -kGw|_ lbgleq ljlgodfjnL / ;~rfng lgb]{lzsfn] tf]ss ] f] tl/sf ckgfO{
;dfwfg u/L l;l8P;l;nfO{ ;f]af/] hfgsf/L lbg'kg]{5 . tf]lsPsf] ;do ck'u ePdf
l;l8P;l;n] pko'Qm ;do lbg ;Sg]5 .
@!= k|Tofof]hgdf k|ltaGw M

44
 
 l;l8P;l;sf] JoQm lnlvt k"j{;xdlt glnO{ ;b:on] of] ;Demf}tfkqcGtu{tsf sfo{, clwsf/
jf bfloTjx¿ s'g} kIf jf JolQmnfO{ x:tfGt/0f ug{ jf k|Tofof]lht ug]{5}g . of] ;Demf}tfkqsf]
ljkl/t x'g] u/L ul/Psf] s'g} klg clVtof/L z"Go / cdfGo x'g]5 .
@@= lgnDag / vf/]h M
@@=!= lgnDag / vf/]h cfjZos 5 eGg] s'/fdf ;Gt'i6 ePdf / To:tf cj:yfx¿df vf/]h ug'{
dgfl;j xf] eGg] 7fg]df l;l8P;l;n] ;b:o;Fu lnlvt ;~rf/ u/L b]xfosf cj:yfdf
;Demf}tfkq vf/]h ug{ ;Sg]5 M
@@=!=!= af]8{ jf l;l8P;l;n] lgwf{/0f u/]sf ;b:osf of]Uotf / k|j]z zt{x¿ k"/f gu/]df,
@@=!=@= ;b:o sDkgL ePdf lj36gsf nflu s'g} cbfnt;dIf lgj]bg k/]df jf lj36gsf]
k|:tfj kfl/t ePdf,
@@=!=#= ;b:osf] ¿kdf l;l8P;l;;Fusf] Jofkf/ ug]{ sfo{ ;dfKt ePdf,
@@=!=$= ;b:on] l;l8P;l;;Fu jf lghsf lxtu|fxL;Fusf lghsf bfloTjx¿ k"/f ug{ sl7g
jf cof]Uo x'g] s'/f l;l8P;l;n] ljZjf; ug'{kg]{ dgfl;j cfwf/ ePdf,
@@=!=%= ;b:o 6f6 kN6]sf], bfdf;fxL ePsf], lnlSj8];gdf uPsf] jf lj36g ePsf] jf
;f];DaGwL sf/jflx ;'? ePdf jf l;l8P;l;n] o;sf] thlahdf To;f] x'g ;Sg]
7fg]df,
@@=!=^= ;b:osf] ;DklQ k|fks jf k|zf;ssf] lgo'lQm ePdf jf ;b:o lghsf bftfx¿ jf
lghsf] sfo{of]hgfsf] u7gdf ;tfOPsf]df ;f] s'/f cbfntaf6 -k'gMlgdf{0f jf
ld>0fafx]s_ :jLs[t ePdf jf l;l8P;l;n] o;sf] thlahdf To;f] x'g ;Sg]
7fg]df,
@@=!=&= of] ;Demf}tf jf ljlgodcGtu{t ;b:on] lwtf]kq lgIf]k, z'Ns jf cGo s'g} b:t'/ ltg{
g;s]df -k'glj{rf/ ePsf] z'Ns jf a9fOPsf] z'Ns b:t'/ jf lgIf]k;d]t_ jf
l;l8P;l;n] rfx]sf a]nf cltl/Qm jf sf]n]6/n ;'/If0f bflnv ug{ g;s]df,
@@=!=*= ;b:on] l;l8P;l;nfO{ lbg'kg]{ xhf{gfaf6 pTkGg bfloTj k"/f ug{ ;b:on] g;s]df,
@@=!=(= ;b:osf] nfk/jfxL, hfn;fhL jf a]OdfgL cfr/0fsf nflu lhDd]jf/ /x]sf] s'/f
ljZjf; ug'{kg]{ dgfl;j cfwf/ l;l8P;l;;Fu ePdf jf l;l8P;l;;dIfsf] s'g} klg
ljj/0fdf j:t'ut ljj/0f b'?Nn]vg u/]df jf d]6]df,
@@=!=!)= ;b:on] P]g, lgodfjnL, ljlgodfjnL jf o; ;Demf}tfsf] s'g} klg Joj:yfadf]lhd
sfo{ gu/]df jf ;~rfng lgb]{lzsf;Fu aflemg] u/L sfd u/]df,
@@=!=!!= af]8{af6 k|bfg ul/Psf] lgIf]k ;b:osf] cg'dltkq lgnDag jf vf/]h ePdf,
@@=!=!@= ;b:o lwtf]kq ljlgdosf] ;b:o eP, lwtf]kq ljlgdoaf6 lghnfO{ lgisf;g jf
lghsf] Joj;fo lgnDag ul/Pdf,
@@=!=!#= lwtf]kq ;DaGwL P]g, @)^# n] Joj:yf u/]cg';f/ dfWods -;b:oafx]s cGo_ eP,
;b:osf] dfWods Ifdtf Gf]kfn lwtf]kq af]8{ jf ;f] ug{ clVtof/k|fKt cGo lgods
lgsfo jf clwsf/Ln] lgnDag jf vf/]h u/]df jf a]btf{ u/]df,
@@=!=!$= l;l8P;l; ;Gt'i6 x'g] u/L lxtu|fxLsf u'0ff;fdf pkrf/ lbg ;b:on] g;s]df,

45
 
 @@=!=!%= l;l8P;l; jf lxtu|fxLsf] lxt k|lts"n x'g] u/L] ;b:on] lghsf lqmofsnfk cufl8
a9fpFb}5 eGg] ljZjf; ug'{kg]{ d'gfl;a cfwf/ l;l8P;l;;Fu ePdf jf lxtu|fxL jf
cGo ;b:osf] ;+/If0fsf nflu jf l;l8P;l;n] lbg] ;]jfsf] sfo{;Dkfbg lgoldt
¿kn] ;~rfng ug{ ;xh agfpsf nflu ;DaGw ;dfKt ug'{ cfjZos ePdf,
@@=!=!^= ;b:on] lbPsf] ;]jfsf] u'0f:t/ lxtu|fxL jf cGo ;b:o lgisfzgstf{{ / km5{of]6
lgsfox¿sf] ph'/af6 l;l8P;l; ;Gtf]ifhgs gePdf,
t/ ;Demf}tfkq vf/]h ug'{kg]{ cfwf/x¿ v'nfO{ ;b:onfO{ l;l8P;l;n] sf/0f b]vfpm
;"rgf glbP;Dd / To;sf nflu l;l8P;l;n] clVtof/ u/]sf] s'g} klg clwsf/Laf6
;'gjfOsf nflu ;b:onfO{ d'gfl;a cj;/ x'g]5 / To:tf] clwsf/Ln] lbPsf]
k|ltj]bgdf ;Gt'i6 eP/ dfq ;b:o;Fusf] of] ;Demf}tf vf/]h ug{ ;Gt'i6 geP;Dd
l;l8P;l;n] plNnlvt s'g} sf/jflx ug]{5}g .
@@=@= cGo clwsf/;Fu k"jf{u|xL gx'g] u/L l;l8P;l;n] dfly n]lvPsf s'g} klg kl/36gf ePdf,
s'g} ;"rgf hf/L ug{ cufj} jf ;"rgfsf] sfdafFsL /x]sf] jf ljlgodfjnLcGtu{t 5fglag
eO/x]sf] a]nf, l;l8P;l;;Fu /x]sf ;b:osf] Joj;fo tyf sfdsf/jflxnfO{ tTsfn} nfu"
x'g] u/L lgnDag ug{ ;Sg]5 .
@#= ;b:o cnu x'g] M
@#=!= ;b:on] of] ;Demf}tf vf/]h jf ;dfKt ug]{ dg;fo b]vfO{ @! -PSsfO{;_ lbgeGbf sd gx'g]
u/L] lnlvt ;"rgf l;l8P;l; ;dIf lbO{ pNn]lvt @! -PSsfO{;_ lbg jf tf]lsPsf] ;f]eGbf
a9L cjlwaf6 k|efjsf/L x'g] u/L l;l8P;l;af6 ;b:o cnlUug kfpg] s'/fsf] xs
;b:onfO{ /xg]5 . t/, o:tf] ;"rgf k|fKt ePkl5 lxtu|fxLsf] lxt jf l;l8P;l;sf] qmda4
sfo{sf nflu l;l8P;l;n] cfjZos b]v]df l;l8P;l;n] ;b:onfO{ l;l8P;l;df ;b:osf]
¿kdf lghsf] Joj;fo / sfdsfh a9Ldf # -tLg_ dlxgfdf ga9\g] u/L lg/Gt/ hf/L /fVg
nufpg ;Sg]5 . l;l8P;l;n] ;b:osf lxtu|fxL, lwtf]kq ahf/, cGo ;b:o/ af]8{nfO{
;ftlbgleq ;b:o cnlUuPsf] hgfp lbg'kg]{5 .
@#=@= ;b:on] b]xfocg';f/sf] ;Gtf]ifhgs k|df0f pknAw gu/fP;Dd ;b:on] l;l8P;l;sf]
;b:oaf6 cnu x'gsf nflu cg'dlt kfpg]5}g M
@#=@=!= cfkm";Fu vftf ePsf s'g} klg lxtu|fxLnfO{ cfkm" cnlUug] dg;fosf] ;"rgf hf/L
u/]sf],
@#=@=@= lxtu|fxLx¿sf ;a} vftfx¿ csf]{ ;b:o;dIf jf lxtu|fxLn] /f]h]cg';f/
l;l8P;l;df :yfgfGt/ u/]sf],
@#=@=#= lxtu|fxL, l;l8P;l;, lgisfzgstf{{÷/lhi6«f/ jf /fkm;fkm ;+:yfsf lgb]{zgsf]
;dfwfg eOg;s]sf u'0ff;f jf ph'/sf] sfd afFsL g/x]sf],
@#=@=$= Gf]kfn lwtf]kq af]8{ jf l;l8P;l;nfO{ a'emfpg'kg]{ cGo s'/fsf cltl/Qm z'Ns, b:t'/
hl/jfgf jf Aofhnufot s'g} klg afFsL, ltg{ afFsL g/x]sf] .
@$= vf/]h jf ;b:o cnu x'g] s'/fsf] kl/0ffd
@$=!= of] ;Demf}tfkqsf] vf/]h jf ;b:o cnu ePdf, ;b:on] l;l8P;l;;dIf /fv]sf] sf]n]6/n
;'/If0fx¿ lgIf]k ;b:osf] btf{ k|df0fkq Gf]kfn lwtf]kq af]8{af6 /2 u/]sf] ldltn] ^ -5_

46
 
 dlxgf k'u]kl5 jf lxtu|fxLsf sfdafFsL /x]sf u'0ff;f s'g} eP ltgsf] ;dfwfg u/]sf] ldlt
h'grflxF kl5Nnf] x'G5 ;f] ldltdf l;l8P;l;n] ;b:onfO{ lkmtf{ ug]{ jf pknAw u/fpg]5 .
t/, sfg"gdf l;l8P;l;nfO{ cfkm";dIf ltg{ afFsL /x]sf] lwtf]kq jf cGo ;b:o jf
lxtu|fxLsf] sf/f]af/ jf ;b:oaf6 o; ;Demf}tfkqsf] l;nl;nfdf ePsf] sf/f]af/ jf
k|ljli6sf] lgIf]ksf] ldnfg ug{ afFsL /x]sf] /sddf ;f] a/fa/sf] /sdsf nflu s'g} sf]n]6/n
jf ;'/If0fx? /fVg] clwsf/ -pknAw s'g} clwsf/ jf pkrf/ ;Fu k"jf{u|x g/fvL_ x'g]5 .
@$=@= plNnlvt s'/fdf k"jf{u|x g/fvL, To:tf] bfjL of] ;Demf}tfkqsf] vf/]h ePsf] ldlteGbf
kl5sf] ePdf afx]s, l;l8P;l;nfO{ cfˆgf] jf l;l8P;l;dfkm{t ;b:o;Fu bfjL nfUg ;Sg]
cGo JolQmsf] s'g} klg afFsL /sddf /x]sf] k"j{bfjL jf clwsf/sf] lx;fa ldnfg ug]{
clwsf/ x'g]5 .
@$=#= l;l8P;l;af6 of] ;Demf}tfkqsf] vf/]h ul/P jf ;b:osf] l;l8P;l;af6 cfkm" cnlUug] jf
;Demf}tfkq vf/]h ug]{ lnlvt ;~rf/ k|fKt u/]kl5, l;l8P;l;n] ;a} ;b:ox¿nfO{ hgfp
lbg]5 / lxtu|fxLx¿ / cGo ;b:ox¿sf] lxtsf] ;+/If0fsf nflu pko'Qm x'g] kfOnf rfNg]5 .
l;l8P;l;n] of] ;Demf}tf vf/]h ePsf] & -;ft_ lbgleq cGo ;b:o, lgisfzgstf{{, /lhi6«f/
tyf x:tfGt/0f k|ltlglw / g]kfn lwtf]kq af]8{nfO{ hgfp lbg]5 .
@$=$= ;b:osf] x}l;otn] sfd ubf{ jf of] ;Demf}tf hf/L /x]sf] a]nfsf s'g} klg sfo{, sf/f]af/ jf
Jojxf/af6 pTkGg ePsf l;l8P;l; ;dIfsf bfloTjx¿ k"/f ug'{kg]{5 .
@$=%= l;l8P;l;af6 of] ;Demf}tfkqsf] vf/]h ul/P jf ;b:o l;l8P;l;af6 cnlUuPdf, ;b:o;Fu
vftf /x]sf x/]s lxtu|fxLnfO{ ;b:o;Fu /x]sf lghsf] lwtf]kq csf]{ ;b:osxfF ;fg]{ jf
k'gMef}ltsLs/0f ug]{ ljsNk /xg]5 . dfly h'g;'s} s'/f n]lvPsf] eP klg, To:tf] vf/]h jf
cnUofOkl5 klg ;b:o;Fu /x]sf] lwtf]kq csf]{ ;b:odf ;fg]{ jf k'gMef}ltsLs/0f ug]{
;Lldt k|of]hgsf sfdnfO{ ;b:on] lg/Gt/tf lbg]5 .
@$=^= of] ;Demf}tfkqsf] vf/]h ul/P jf ;b:o l;l8P;l;af6 cnlUuPkl5 ;b:o;Fu vftf /x]sf
x/]s lxtu|fxLnfO{ ;"rgf kfPsf] ldltn] !% -kGw|_ lbgleq ;b:o;Fu /x]sf lghsf] lwtf]kq
csf]{ ;b:o sxfF ;fg{ ;"rgf lbg]5 . pNn]v ePcg';f/ s'g} lxtu|fxLn] csf]{ ;b:o;Fu
lwtf]kq g;f/]df To:tf] vftf s]xL ;dosf nflu ;fg]{ Ps jf a9L ;b:o dgf]gog ug]{5 .
t/, ;DalGwt lxtu|fxLn] To:tf] csf]{ s'g} ;b:o;Fu ;Demf}tf gu/];Dd To:tf] ;fl/Psf]
vftfsf] lwtf]kqsf ;DaGwdf s'g} vr{ -8]la6_ n]lvg] 5}g .
@$=&= of] ;Demf}tfkq l;l8P;l;af6 vf/]h jf ;b:o l;l8P;l;af6 cnlUug] sfo{ h];'s} eP
tfklg, To:tf] vf/]h jf cnUofO ;Fu gaflemP;Dd, of] ;Demf}tfkqsf k|fjwfg / ltgaf6
pTkGg kf/:kl/s clwsf/ tyf bfloTjx¿ ;Demf}tf k|efjdf /x]sf] ;dodf ePsf ;a} sfo{,
lnvt, ;jfn / j:t' / sf/f]af/sf ;Gbe{df b'j} kIfsf nflu aGwgsf/L /lx/xg]5g\ .
@%= xhf{gf M
@%=!= ;b:osf] tkm{af6 P]g, lgod, ljlgodfjnL / ;~rfng lgb]{lzsfsf] pNn+3gdf sd{rf/L,
Ph]G6 jf cGoyf s'g} sfo{ lnvt jf s'g} s'/faf6 ePsf] s'g} klg nfk/jfxLaf6
l;l8P;l;nfO{ x'g uPsf ;a} Iflt, xfgL, gf]S;fgL / ;a} bfjL dfu, d'2f, sf/jflx,
cleof]hg / cGo h'g;s} sfo{k|lqmofsf ;DalGwt ;a} nfut, b:t'/ tyf vr{nufot
Ifltsf] xhf{gf lbg]5 . o; k|of]hgsf nflu lghsf clws[t, sd{rf/L, Ph]G6af6 ePsf
47
 
 dg;fok"j{s jf cGoyf h]ePklg ;Dk"0f{ sfo{nfO{ ;b:on] u/]sf] sfo{ dflgg]5 . ;b:osf]
nfk/jfxLaf6 lxtu|fxLnfO{ Iflt jf gf]S;fgL ePdf l;l8P;l;n], cfjZos b]v]df, cGo
s'/fsf cltl/Qm l;l8P;l;;dIf /x]sf s'g} klg lwtf]kqsf] ldnfg jf afF8kmfF8åf/f,
;j{k|yd To:tf] Iflt jf gf]S;fgLnfO{ Jojl:yt ug]{5 .
@%=@= l;l8P;l;n] cfkm" jf cfˆgf clwsf/L, sd{rf/Lsf sfo{af6 P]g, lgod, ljlgodfjnL /
;~rfng lgb]{lzsfsf] pNn+3g jf unt k|:t'lt, hfn;fFhL, rf]/L l;l8P;l;sf] ;b:ok|ltsf]
bfloTj k"/f gu/]sf jf l;l8P;l;n] lbg] ;]jfsf] s'g} klg sldsdhf]/Laf6 ;b:onfO{ x'g
uPsf ;a} Iflt, xfgL, gf]S;fgL / ;a} bfjL dfu, d'2f, sf/jflx, cleof]hg / cGo h'g;s}
sfo{k|lqmofsf ;DalGwt ;a} nfut, b:t'/ tyf vr{nufotsf] xhf{gf lbg]5 .
@^= sfa'aflx/sf] kl/l:ylt M
o; ;Demf}tf jf ljlgodfjnLdf h'g;'s} s'/f n]lvPsf] eP tfklg cfFwL, t"kmfg, af9L, r6\ofª,
e"FO{rfnf], cfunfuL, lj:kmf]6g jf b}jL 36gf, o'4, ljb|f]x, qmflGt, x'nb+uf, lgif]wf1f, gfsfaGbL,
cj/f]w, gful/s snx, x8\tfn, tfnfaGbL, alxisf/, s'g} pkof]uL ;]jfdf cj/f]wh:tf dhb'/
sf/jflx jf czflGt, zq'/fHosf] sf/jflx cfk/flws if8oGq, cft+ssf/Lsf] ultljlw jf
tf]8kmf]8, ljWj+z, cgfxs k|j]z jf k|ltsf/ ug{ g;lsg] cGo s''g} zlQm jf afWotf nufot
sfa' jf lgoGq0faflx/sf 36gfåf/f o; ;Demf}tfcGtu{tsf] bfloTjdf s'g} sfo{ ;Dkfbg
gu/]sf], ljnDa u/]sf] jf pNn+3g ePsf]df s'g} Ps kIfnfO{ x'g uPsf] xfgL gf]S;fgL, Ifltsf]
;f]wegf{ jf Ifltk"lt{ lbg csf]{ kIf pQ/bfoL x'g]5}g .
@&= hgfp M
o; ;Demf}tfcg';f/ lbOg]hgfp lnlvt ¿kdf k|fkssf] xfn;fnsf] 7]ufgfdf gk7fP;Dd
aGwgsf/L x'g]5}g .
@*= k|efjsfl/tf M
of] ;Demf}tfsf] s'g} klg k|fjwfg s'g} cbfnt, lgodgsf/L lgsfon] u}/sfg"gL, k|efj z"Go jf
nfu" ug{ g;lsg] egL lg¿k0f jf 7x/ u/]df jf s'g} sfg"gsf] ;+zf]wg, ;"rgf jf Goflos
lg0f{osf sf/0fn] z"Go jf nfu" ug{ g;lsg] ePdf o; ;Demf}tfdf x'g'kg]{ ;Dej eP;Dd
;Demf}tfsf cGo k|fjwfgx¿ km]/abn gu/L To:tf] k|fjwfg lgliqmo jf k|efj/lxt x'g]5g\ . t/
;f] s'/fn] ;Demf}tfsf afFsL k|fjwfgx¿sf] dfGotf jf k|efjsfl/tfnfO{ s'g} lx;fan] c;/
ug]{5}gg\ / k"/fk"/ nfu" x'g]5g\ .
@(= g]kfn lwtf]kq af]8{af6 ePsf ;+zf]wg jf x]/km]/ aGwgsf/L x'g] M
g]kfn lwtf]kq af]8{af6 o; ;Demf}tfdf ul/Psf yk36, x]/km]/, kl/dfh{g, ;+zf]wg jf lgb]{z
u/]sf ltgpk/sf s'g} k|fjwfg o;sf kIfsf nflu aGwgsf/L x'g]5g\ / ltgsf] k|efjsf nflu
rflxg] To:tf lnvt sfuhft jf n]vfOsf] kIfx¿n] sfof{Gjog ug]{5g\ .
#)= kl/Tofu ug{ gkfpg] M
o;sf s'g} klg kIfn] o; ;Demf}tf cGtu{t ePsf jf sfg"gdf /x]sf s'g} klg clwsf/, zlQm,
ljz]ifflwsf/ jf pkrf/ lnlvt ¿kdf sfof{Gjog u/]afx]s kl/Tofu ug{, 5f8\g jf cnlUug
kfpg]5}gg / kIfx¿ To:tf clwsf/, zlQm, ljz]ifflwsf/ jf pkrf/ k|of]u gug{ jf ljnDa ug{]
s'/fn] To;sf] kl/Tofu u/]sf] s'/f jf o; ;Demf}tfsf] t];|f] kIfn] u/]sf] s'g} sfo{ljlw kl/Tofu

48
 
 lqmofzLn x'g]5}g ;fy} o; ;Demf}tf cGtu{t jf cGo sfg"g cGtu{t pknAw clwsf/, zlQm,
ljz]ifflwsf/ jf pkrf/sf] Ps jf cf+lzs k|rng klg x'g]5}g jf ;fdfGotofdf o:tf ;a}
clwsf/, zlQm, ljz]ifflwsf/ jf pkfox¿ Pscsf{df cg]s / ;~roL eP/ :jLsfl/Psf
x'g]5}gg\ .
#!= lgodgsf/L efiff M
o; ;Demf}tfkqsf] ljifoj:t'sf ;DaGwdf kIfx¿sf aLrdf sfof{Gjog x'g] ;a} lnvt,
sfuhft tyf n]vfO / cfbfgk|bfg ul/g] kqfrf/ g]kfnL efiffdf x'g]5 .
#@= lgodgsf/L sfg"g M
of] ;Demf}tf g]kfnsf] sfg"gåf/f lgodg tyf JofVof x'g]5 .
##= k|s/0f zLif{s M
o; ;Demf}tfkqsf k|s/0f zLif{sx¿ ;'ljwf / ;Gbe{sf nflu dfq x'g / ltgn] ;Demf}tfkqsf]
JofVofnfO{ k|efj kfg]{ 5}gg\ .

;Demf}tfsf k|yd kIf ;Demf}tfsf bf]>f kIf

l;l8P;l;sf]] tkm{af6 clwsf/ k|fKt lgIf]k ;b:osf] tkm{af6 clwsf/ k|fKt
JolQmsf] gfd M JolQmsf] gfd M
b:tvt M b:tvt M
sDkgLsf] 5fkM sDkgLsf] 5fkM

;fIfL ;fIfL

!= =========================================== != ===========================================

O{lt ;+Djt ============ ;fn =============== dlxgf ============ ut] /f]h========== z'ed\ .

49
 
 cg';"rL – !)
-ljlgod !$ ;Fu ;DalGwt_

;b:otf gDa/M
lgIf]k ;b:otf
=============================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"gsf] clwgdf /xL of]
lgIf]k ;b:otf k|bfg ul/Psf] 5 .

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

b:tvt

cflwsfl/s b:tvt M
gfd M
kb M
ldlt M

50
 
 cg';"rL – !!
-ljlgod !% ;Fu ;DalGwt_
;b:otf gjLs/0fsf] nflu lbg] lgj]bgsf] 9fFrf

ldlt M

>L l;l8P; P08 lSnol/Ë lnld6]8

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

ljifoM ;b:otf gjLs/0f u/L kfpF .

d]/f]÷xfd|f] lgIf]k ;b:otf cjlw ldlt ==================== ;Dd sfod /x]sf]n] cfly{s jif{ ======= sf
nflu gjLs/0f u/L kfpgsf nflu ;b:otf gljs/0f b:t'/ o;} ;fy ;+nUg u/L cg'/f]w ub{5'÷5f}+ .

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

51
 
 cg';"rL – !@ kmf=g+=M !
-ljlgod @) ;Fu ;DalGwt_ Form No: 1 

xfn;fn}
k|fs[lts JolQmsf] lxtu|fxL vftf vf]Ng] lgj]bgsf] 9fFrf
#
lvlrPsf] kmf]6f]
Format of Account Opening Form for Individual Beneficial Owner  

 
sfof{no k|of]hgsf nflu dfq
  For Official Use Only 
cfj]bg gDa/ M ldlt M
  Application No:  Date : 
;+s]t gDa/ M
Symbol No: 

lxtu|fxLsf] vftf gDa/ M

Beneficial Owner Account No: 
tn pNn]lvt ;Dk"0f{ ljj/0f /fd|f];+u eg'{ kg]{5 . cfkm";Fu ;/f]sf/ gePsf] ljj/0f pNn]v ug]{
sf]7fdf t];f]{ wsf{ tflglbg' xf]nf .
Please complete all details and strike out the non‐applicable fields/boxes.
========================= -lgIf]k ;b:osf] gfd / Name of Depository Participant_
=========================== -zfvf / Branch_
vftfsf] lsl;d M JolQmut u}/ cfjf;Lo g]kfnL ljb]zL
Types of Account:         Individual                       Non Resident Nepalese                Foreigner 

lxtu|fxLsf] ljj/0f
lxtu|fxLsf] gfd
Name  of  Beneficial 
Owner 
hGd ldlt la=;+= M O{= ;+= M
Date of Birth  B.S.  A.D. 
ln+Ë k'?if dlxnf
Gender  Male                                   Female 
/fli6«otf g]kfnL cGo
Nationality  Nepali                                 Other 
gful/stf gDa/ Hff/L lhNnf hf/L ldlt
Citizenship No:  Issue District  Issue Date 
Dofb ;lsg]
/fxbfgL gDa/ hf/L 7fpF hf/L ldlt
Passport No.  Place of Issue  Issue Date  ldlt
Expiry Date 
kl/rokq sf] kl/rokq g+=
Hff/L ug]{
lsl;d Identification  lgsfo hf/L ldlt
Types of  Issuance  Issue Date 
No. 
Identity Card  Authority 

# bf];|f] ;+zf]wg, @)&# cg';f/ ;+zf]lwt ul/Psf] .

52
 
kqfrf/ ug]{ 7]ufgf M
Correspondence Address: 
/fi6« M
Country 
c+rn M lhNnfM Uff=lj=;=÷g=kf=÷d=g=kf=M
Zone : District : VDC /Municipality /Metropolitan 

6f]nM j8f g+=M Ans g+=M

Tole :  Ward No.:  Block No.: 
6]lnkmf]g g+=M df]afOn g+=M
Telephone No.:  Mobile No.: 
ˆofS; g+=M O{d]nM
Fax No.:  E‐mail ID : 
:yfoL 7]ufgf M
Permanent Address : 
c+rn M lhNnfM Uff=lj=;=÷g=kf=÷d=g=kf=M
Zone : District :  VDC /Municipality /Metropolitan

6f]nM j8f g+=M Ans g+=M

Tole :  Ward No.:  Block No. : 
6]lnkmf]g g+=M df]afOn g+=M
Telephone No. :  Mobile No.: 
ˆofS; g+=M O{d]nM
Fax No. :  E‐mail ID : 
glhssf] NofG8dfs{ M
Nearest Landmark : 

Psf3/ kl/jf/sf ;b:ox?sf] ljj/0f

Details of Family Members 
xh'/ a'afsf] gfd 
Grand Father's Name : 
a'afsf] gfd 
Father's Name 
cfdfsf] gfd 
Mother's Name 

klt÷kTgLsf] gfd 
Spouse's Name 

5f]/fsf] gfd 
Son's Name 

5f]/Lsf] gfd 
Daughter's Name 

a'xf/Lsf] gfd 
Daughter in‐Law's Name 

k]zfut ljj/0f
Details of Occupation 
k]zf ;]jf {         ;/sf/L ;fj{hlgs÷lghL If]q Pg=hL=cf]=÷cfO{=Pg=hL=cf]= sfg"gL lj1
Occupation 
} 
Service            Govt.                     Public/Private Sector                         NGO/INGO                                                      Legal Expert 
ljz]if1 Jofkf/L ljBfyL{ ;]jf lgj[t u[lx0fL cGo

53
 
 Expert              Businessperson              Student                   Retired                             House Wife           Others
Jofkf/sf] k|sf/ pTkfbg ;]jfd'vL
Types of Business Manufacturing                              Service Oriented 
;+:yfsf] gfd 7]ufgf kb
Organization's Name  Address  Designation 
cfly{s ljj/0f cfosf] ;Ldf -jflif{s ljj/0f_ / Income Limit (Annual Details) 
Financial Details 
?= !,)),))) ;Dd ?= !,)),))! b]lv ?= @,)),))) ;Dd
Up to Rs. 1,00,000                                                                               From Rs. 1,00,001 to Rs. 2,00,000
?= @,)),))! b]lv ?= %,)),))) ;Dd ?= %,)),))) eGbf dfly
From Rs. 2,00,001 to Rs. 5,00,000                                                  Above Rs.  5,00,000  

lgIf]k ;b:on] lxtu|fxLsf] vftfdf ePsf] 36a9 :jrflnt ?kdf u/fpg] gu/fpg]
u/fpg]÷gu/fpg] . Standing Instruction for the automatic transactions Yes                                         No

Vfftfsf] ljj/0f k|fKt ug]{ b}lgs ;fKtflxs kflIfs dfl;s

Account Statement              Daily                      Weekly                            15 days                            Monthly 

;+/Ifssf] ljj/0f -gfafnssf] xsdf dfq_

Guardian's Details   (In case of Minor only) 
gfd÷y/ M
Name/Surname: 
lgj]bs;Fusf] ;DaGw M
Relationship  with 
applicant: 
kqfrf/ 7]ufgf M
Correspondence Address : 
/fi6« M c+rn M
Country :  Zone 
lhNnf M 6]lnkmf]g g+=M
District :  Telephone No. : 
ˆofS; g+= M df]afOn g+=M
Fax No. :  Mobile No. : 
:yfoL n]vf g+= M O{d]n M
PAN No. :  E‐mail ID : 

Gff]6 M != gfafnssf] xsdf ;+/Ifs tyf gfafns b'j}sf] kmf]6f] ;+nUg ug'{ kg]{5 .
      (In case of minor, guardian and minor's photos are required to submit.) 
@= sfg"gL ;+/Ifs eP ;f] ;DaGwL sfuhft ;+nUg ug'{ kg]{5 .
#= cfdf jf afa' ;+/Ifs ePdf 5f]/f jf 5f]/Lsf] hGd btf{ k|df0fkqsf] k|ltlnlk k]z ug'{ kg]{5 .
$= lgj]bssf] x:tfIf/ tyf cf}+7f 5fkdf ;+/Ifssf] x:tfIf/ tyf cf}+7f 5fk x'g' kg]{5 .

lgj]bs u}/ cfjfl;o g]kfnL ePdf

For Non Resident Nepalese 
j}b]lzs 7]ufgf
Foreign Address 
;x/ /fHo
City  State 
b]z u]}/cfjfl;o sf]8 g+=
Country  NRN Code No. 

54
 
a}+s vftfsf] ljj/0f
Bank Account Details 
a}+s vftfsf] lsl;d art vftf rNtL vftf
Types of Bank Account   Saving Account            Current Account 
a}+s vftf gDa/÷Bank Account Number 
tkfO{sf] a}+s vftf ePsf] a}+ssf] gfd / 7]ufgf
Name & Address of Bank  

OR5fOPsf] JolQm ;DaGwL ljj/0f M

Nominee's Details: 
d]/f] d[To" ePsf] cj:yfdf b]xfosf] JolQmn] d]/f] gfddf ePsf] ;Dk"0f{ lwtf]kqsf] xs kfpg] u/L
OR5fPsf] 5' .
In the event of my death or incapacity, the following named nominee shall be entitled to the balance 
of my demat account:   
OR5fPsf] JolQmsf] gfd M
Name of Nominee :
lgj]bs;Fusf] ;DaGw M
Relationship : 
gful/stf÷/fxbfgL gDa/ hf/L 7fpF pd]/
Citizenship/Passport No.  Place of Issue  Age 
kqfrf/ 7]ufgf M
Correspondence Address : 
/fi6« c+rn
Country  Zone 
lhNnf 6]lnkmf]g g+=M
District  Telephone No; : 
ˆofS; g+= df]afOn g+=M
Fax No.  Mobile No. : 
:yfoL n]vf g+= O{d]n M
PAN No. :  E‐mail ID : 

Site Map of the Account Holder's Residence 
 
 
3/ /x]sf] :yfgsf] gSzf  
Location Map    
From main Road Street……………the distance of the Residence is …..meters (approximately). 

d÷xfdLn] lgIf]k ;b:o / lxtu|fxLsf] s/f/gfdf, k|rlnt P]g, lgod, ljlgod / ;f] df ePsf] ;+zf]wg dfGg
dGh'/ ub{5'÷ub{5f}+ . dfly pNn]lvt ljj/0f ;To tYo /x]sf] / ;f] ljj/0fdf s'g} km/s k/] sfg"g adf]lhd
;x'Fnf, a'emfpFnf . cGoyf ePdf lxtu|fxL vftf /2 ug{ dGh'/ ub{5'÷ub{5f}+ .
I  /We  shall  accept  to  the  terms  and  conditions  relating  to  the  agreement  between  Depository  Participants  and  Beneficial  Owner, 
prevailent  act,  regulations,  byelaws  and  any  amendments  on  it.  I/We  hereby  acknowledge  that  the  above  disclosed  details  are  true.  I 
further  hereby  consent  to  borne  any  legal  actions  in  case  any  false  disclosure  of  information  related  to  me/us  and  the  Depository 
Participants reserve right to close my account.  All disputes are subject to the jurisdiction of courts in Kathmandu, Nepal.   
 
 
 

55
 
 lgj]bssf] gfd M
                            Name of Nominee: 
x:tfIf/ M
Signature : 
cf}+7f 5fk
Thumb Print 
bfofF afofF
Right  Left 

-x:tfIf/ ubf{ sfnf] d;Lsf] k|of]u ug'{ kg]{5_

(Please use Black ink.) 
 
 
 
-cw{s§L_
Beneficial Owner's Copy 
lxtu|fxLsf] vftf gDa/ M
Beneficial Account Number : 

z]o/jfnfsf] ljj/0f
Shareholder's Details 

gfd ÷Name 
cflwsf/Ls x:tfIf/
Authorized Signature 

a'lemlnPsf] /l;b
Receipt  
cfj]bg g+=M ldlt M
Application No.:                  Date : 
xfdLn] vftf vf]Ng] kmf/fd a'lemlnof}+ .
We received account opening form. 
cfj]bssf] gfd / 7]ufgf
Applicant's Name and Address 

lgIf]k ;b:osf] (Depository Participant's)

Gffd ÷Name M
b:tvt÷ Signature M
sDkgLsf] 5fk÷Company's Stamp M
56
 
 cg';"rL – !# kmf=g+=M @
Form No: 2 
-ljlgod @) ;Fu ;DalGwt_

#
(k|fs[lts JolQm afx]s cGo ;+:yfsf] lxtu|fxL vftf vf]Ng] lgj]bg
Format of Account Opening Form for Corporate Beneficial Owner

sfof{no k|of]hgsf nflu

For Official Use Only 

cfj]bg gDa/ M ldlt M

Application Number:  Date :
;+s]t gDa/ M
Symbol No:

sDkgL jf ;+:yfsf] lxtu|fxL vftf gDa/ M

Company's Beneficial Owner Account No:

tn pNn]lvt ;Dk"0f{ ljj/0f /fd|f];Fu eg'{ kg]{5 . cfkm";+u ;/f]sf/ gePsf] ljj/0f pNn]v ug]{ sf]7fdf t];f]{
wsf{ tflglbg' xf]nf .
Please complete all details and strike out the non‐applicable fields/boxes.
========================= -lgIf]k ;b:osf] gfd/Name of Depository Participant _
=========================== -zfvf /Branch_
vftfsf] lsl;d M /fkm;fkm lxtu|fxL cGo
Types of Account:         Clearing                             Beneficial Owner                         others 

lxtu|fxL sDkgLsf]
gfd
Name  of  Beneficial  Owner 
Company 
klxnf] cflwsf/Ls
k|ltlglwsf] gfd
Name  of  First  Authorized 
Person 
bf];|f] cflwsf/Ls
k|ltlglwsf] gfd 
Name  of  Second 
Authorized Person 
t];|f] cflwsf/Ls
k|ltlglwsf] gfd 
Name  of  Third  Authorized 
Person 
k|d'v sfo{sf/L
clws[tsf] gfd
Chief  Operating  Officer's 
Name 
sDkgL ;lrjsf] gfd 
Company Secretary's Name 

# bf];|f] ;+zf]wg, @)&# cg';f/ ;+zf]lwt ul/Psf] .

57
 
sDkgL :yfkgf ldlt la=;+= M O{= ;+= M
Date of Incorporation  B.S. :  A.D. : 
sDkgLsf] lsl;d k|fOe]6 ln= klAns ln= ;/sf/L :jfldTj ePsf] cGo
Types of Company  Pvt. Ltd.              Public Ltd.                Govt. Owned                            Others 
sDkgL btf{ ePsf] b]z g]kfn cGo -g]kfn afx]s cGo b]z ePdf pNn]v ug]{_M
Country of Registration Nepal                                     Others (Please mention if other than Nepal) 

sDkgLsf] yk ljj/0f
btf{ ug]{ sfof{no
Registration Office 
btf{ g+=M btf{ ldltM
Registration No.:  Registration Date : 
:yfoL n]vf g+=M d"No clea[l4 s/ btf{ g+=M
PAN No. :  VAT Registration No. :
;xfos sDkgL ePdf d'Vo
sDkgLsf] gfd / 7]ufgf
Name and Addres of Main Company 
in case of Subsidiary Company 
sDkgLsf] sf/f]af/sf] lsl;d sfo{ If]q
Types of business of the company  Area of Work 
lwtf]kq ahf/df ;"lrs/0f ;"lrs/0f ldlt M
eP gePsf] SEBON Registration Date 
Listed No. :
g]kfn /fi6« a}+sdf btf{ ePsf] g]kfn /fi6« a}+ssf] :jLs[t ldlt M
eP btf{ g+=M NRB Approval Date : 
NRB Registration No. : 

sDkgLsf] xfnsf] 7]ufgf M

Current Address of Company
/fi6« M
Country 
c+rn M lhNnfM Uff=lj=;=÷g=kf=÷d=g=kf=M
Zone District :  VDC /Municipality /Metropolitan

6f]n M j8f g+=M Ans g+=M

Tole : Ward No: Block No:
6]lnkmf]g g+= M ˆofS; g+=M O{d]nM
Telephone No: Fax No.: E‐mail ID :
sDkgLsf] btf{ x'Fbfsf]
7]ufgf M
Company's Registered Address: 
c+rn M lhNnfM Uff=lj=;=÷g=kf=÷d=g=kf=M
Zone : District : VDC /Municipality /Metropolitan

6f]nM j8f g+=M Ans g+=M

Tole : Ward No.: Block No. :
6]lnkmf]g g+=M ˆofS; g+=M O{d]nM
Telephone No. : Fax No.:  E‐mail ID :
glhssf] NofG8dfs{ M j]j;fO6
Nearest Landmark : Website : 

58
 
/fkm;fkm ;b:osf] ljj/0f
Details of Clearing Member 
lwtf]kq ahf/sf] gfd M
Name of Securities Market: 
bnfn kl/ro g+=M
Broker No.: 

zfvf÷sfof{no ;+Vof / d'Vo d'Vo zfvf ÷ sfof{nox? /x]sf] :yfg

Branch/Number of Office and Main Branches/ Office Location 
qm=;+= If]q d'Vo zfvf÷sfof{no 7]ufgf 6]lnkmf]g g+= df]afO{n g+= ;Dks{ JolQm
S.N.  Area  Main Branch/Office  Address  Telehpone No.:  Mobile No.  Contact Person 
1 
2 
3 
-tLgj6f eGbf a9L ePsf 5'§} ljj/0f k]z ug{ ;lsg]5÷Separate details can be submitted in case of more than 
three._

;+rfns, sfo{sf/L k|d'v / vftf ;+rfnsx?sf] ljj/0f÷Details of Directors, CEO and Authorised Account 

Operators 
klt÷ afh]sf]
afa'sf] :yfoL xfnsf] 6]lnkmf]g df]afOn O{d]n
qm=;+= gfd, yk kb kTgLsf] gfd
gfd 7]ufgf 7]ufgf g+= g+= 7]ufgf
S.N. 
Name/  Design gfd Father's 
Grand 
Permanent  Current  Telephone  Mobile 
Surname  ation  Spouse's  Father's  E‐mail ID 
Name  Addres  Address  No.  No. 
name  Name 
1 
2 
3 
4 
5 

klxnf] cflwsfl/s
bf];|f] cflwsfl/s JolQm t];|f] cflwsfl/s JolQm
JolQm Second Authorized Person Third Authorized Person
First Authorized Person 
gfd ÷Name 
kb ÷Designation 
x:tfIf/ ÷Signature 

kf;kf]6{ ;fOhsf] kmf]6f] kmf]6f] kmf]6f] kmf]6f]

Passport Size Photo  Photo  Photo Photo

d÷xfdLn] lgIf]k ;b:o / lxtu|fxLsf] s/f/gfdf, k|rlnt P]g, lgod, ljlgod / ;f] df ePsf] ;+zf]wg dfGg
dGh'/ ub{5'÷ub{5f}+ . dfly pNn]lvt ljj/0f ;To tYo /x]sf] / ;f] ljj/0fdf s'g} km/s k/] sfg"g adf]lhd
;x'Fnf, a'emfpFnf . cGoyf 7xl/Pdf lxtu|fxL vftf /2 ug{ dGh'/ ub{5'÷ub{5f}+ .
I  /We  shall  accept  to  the  terms  and  conditions  relating  to  the  agreement  between  Depository  Participants  and  Beneficial  Owner, 
prevailent  act,  regulations,  byelaws  and  any  amendments  on  it.  I/We  hereby  acknowledge  that  the  above  disclosed  details  are  true.  I 
further  hereby  consent  to  borne  any  legal  actions  in  case  any  false  disclosure  of  information  related  to  me/us  and  the  Depository 
Participants reserve right to close my account.  All disputes are subject to the jurisdiction of courts in Kathmandu, Nepal.    
 

59
 
 

Site Map of the Account Holder's Residence 
 
 
3/ /x]sf] :yfgsf] gSzf  
Location Map    
From  main Road Street……………the distance of the Residence is …..meters (approximately).

cflwsf/Ls JolQmsf] gfd M

Name of Authorized Person: 
x:tfIf/ M
Signature : 
sDkgLsf] 5fk M
Company's Stamp: 
-x:tfIf/ ubf{ sfnf] d;Lsf] k|of]u ug'{ kg]{5÷Please sign with black ink._

a}+s vftfsf] ljj/0f

a}+s vftfsf] lsl;d art vftf rNtL vftf
Types of Bank Account  Saving Account         Current Account 
a}+s vftf gDa/÷Bank Account Number 
tkfO{sf] a}+s vftf ePsf] a}+ssf] gfd / 7]ufgf
Name and Address of Bank

-cw{s§L_
Beneficial Owner's Copy 
sDkgLsf] lxtu|fxL vftf gDa/ M
Company's Beneficial Owner Account No.  

klxnf] cflwsfl/s
bf];|f] cflwsfl/s JolQm t];|f] cflwsfl/s JolQm
JolQm Second Authorized Person Third Authorized Person
First Authorized Person
gfd÷Name
kb
Designation 

x:tfIf/
Signature 

60
 
a'lemlnPsf] /l;b
xfdLn] vftf vf]Ng] kmf/fd a'lemlnof}+ ÷We received the Account Opening Form.
lxtu|fxL sDkgLsf] gfd
Name of Beneficial Owner 

lgIf]k ;b:osf]
Depository Participant's gfd M
Name : 
b:tvt M
Signature :
sDkgLsf] 5fk M
Company's Stamp :
 

61
 
 Ä
cg';"rL – !$
-ljlgod !^ / @) sf] pkljlgod # ;Fu ;DalGwt_
-ljlgod @! sf] pkljlgod $ ;Fu ;DalGwt_
-ljlgod @$ sf] pkljlgod ! ;Fu ;DalGwt_
-ljlgod @% sf] pkljlgod ! ;Fu ;DalGwt_
-ljlgod @^ sf] pkljlgod @ ;Fu ;DalGwt_
-ljlgod @( sf] pkljlgod ! ;Fu ;DalGwt_

lgIf]k ;b:on] lxtu|fxL;Fu lng kfpg] z'Ns

z'Nssf] lzif{s /sd lgIf]k ;b:on] l;l8Pl;nfO{ a'emfpg' kg]{ /sd

vftf vf]Ng] z'Ns ?= %) ?= %
Vfftf ;+rfng jflif{s z'Ns ?= !)) ?= !)
lwtf]kq x:tfGt/0f z'Ns k|lt x:tfGt/0f ?=@% lgIf]k ;b:on] k|fKt u/]sf] /sdsf] aL; k|ltzt
k'gM ef}ltsLs/0f z'Ns ?= %) ?= %
lwtf] aGwsL z'Ns ?= %) ?= %
vftf /f]Ssf z'Ns ?= @% ?= @

b|i6Jo M -!_ lwtf]kq x:tfGt/0f eGgfn] lwtf]kqsf] vl/b jf laqmL ePsf] cj:yfdf lxtu|fxLsf]
vftfaf6 36fpg] jf vftfdf hDdf ug]{ sfo{nfO{ ;Demg'k5{ .
-@_ l;l8P;l; jf lgIf]k ;b:on] lxtu|fxLsf] vftf /f]Ssf u/]sf] cj:yfdf 5'6 lbg
;Sg]5 .

Ä klxnf] ;+zf]wg, @)^( 

62
 
 cg';"rL – !%
-ljlgod @) sf] pkljlgod # ;Fu ;DalGwt_
lgIf]k ;b:o / lxtu|fxL JolQm jf ;+:yfaLrsf] ;Demf}tf

==== l:yt sfof{no /x]sf] ============== -j}wflgs cl:tTj ePsf] lgsfosf] ljj/0f_ -o;kl5 æ;b:oÆ
elgPsf]_ k|yd kIf / =====l:yt sfof{no /x]sf]=================== -j}wflgs cl:tTj ePsf] lgsfosf]
ljj/0f_ o;kl5 -ælxtu|fxLÆ elgPsf]_ bf];|f] kIf aLr b]xfosf zt{x? kfngf ug]{ ;xdlt;fy of]
;Demf}tf ul/Psf] 5 .
!= ;fdfGo k|fjwfg M
o; ;Demf}tfsf kIfx¿ lwtf]kqsf] s]Gb|Lo lgIf]k ;]jf lgodfjnL, @)^* sf Joj:yf /
l;l8P;l;n] ;do;dodf hf/L u/]sf ljlgodnfO{ o;} ;Demf}tfdf pNn]v eP ;/x / o;}
;Demf}tfsf] lx:;fsf] ¿kdf kfngf ug{ ;xdt 5f}F .
@= /sd c;'n pk/ M
lxtu|fxLn] ;b:onfO{ ltg'{kg]{] /sd tf]lsPsf] ldltleq a'emfpg' kg{]5 .
#= vftfsf] kmfF6jf/L -:6]6d]G6_ M
#
;b:on] cgnfO{g dfkm{t\ lxtu|fxLnfO{ lghsf] vftfsf] kmfF6jf/L x]g]{ ;'ljwf k|bfg ug]{5 . ;fy}
lxtu|fxLn] cfˆgf] lwtf]kqsf] kmfF6jf/L ef}lts ?kdf k|fKt ug{ cg'/f]w u/]df ;b:on] ;f] ;d]t
k|bfg ug{ ;Sg]5 . t/ o; cjlwdf s'g} sf/f]af/ gePdf vftfsf] kmfF6jf/L lbg' kg]{ 5}g .
$= ljj/0fdf ePsf kl/jt{gx¿af/] lxtu|fxLn] ;"lrt ug'{kg]{ M
lxtu|fxLn] ;"lrt u/]sf] cj:yf afx]s, lxtu|fxLn] ljj/0fdf ePsf] kl/jt{g ;b:onfO{ hfgsf/L
gu/fPsf] sf/0faf6 lxtu|fxLnfO{ x'g ;Sg] s'g} xfgL pk/ ;b:o pQ/bfoL jf lhDd]jf/ x'g]5}g .
%= lxtu|fxLsf] bfjLk|lt lgIf]k ;b:o pQ/bfoL gx'g] M
;'/If0fsf nflu lxtu|fxLsf] vftfaf6 vr{ n]lvPsf]÷ qm]l86 ul/Psf] t];|f] kIfsf bfjL cbfnt
jf /fh:j lgsfoaf6 tf]lsPsf]] jf dfu ePsf] s'g} z'Ns, b:t'/, s/ k|lt l;l8P;l; tyf ;b:o
pQ/bfoL x'g] 5}gg\ .
^= k|To]s lxtu|fxL lgDg s'/fdf ljz]if ?kn] lhDd]jf/ x'g]5 M
-s_ lgIf]k ;b:o;Fu ePsf] ;Demf}tf / vftf vf]Nbfsf ljj/0fx? tyf tYo ;DaGwdf,
-v_ lgIf]k ;b:o;Fu vftf vf]Nbf k]z u/]sf lnvtsf] clwsf/Lstf / ;Totf ;DaGwdf,
-u_ lgIf]k ;b:oaf6 k|To]s sf/f]af/ lgb]{zg adf]lhd vftfaf6 36fPsf] / yk]sf] s'/fsf]
;'lglZrt ug]{,
-3_ lxtu|fxLsf] vftfdf ePsf] kl/jt{gsf ljj/0f ;DaGwdf h:t}M 7]ufgf, a+}s ljj/0f l:ylt
clVtof/L, cfb]z dgf]gog b:tvt cflb,
-ª_ s'g}klg lgisflzt lwtf]kq vl/b u/]sf]df ;f] sf] ;To ljj/0f .

# bf];|f] ;+zf]wg, @)&# cg';f/ ;+zf]lwt ul/Psf] .

63
 
&= cflwsfl/s k|ltlglw M
lxtu|fxL ;Ël7t ;+:yf jf sfg"gL JolQm ePdf To:tf] ;+:yf jf Joltmsf] tkm{af6 k|ltlglwTj ug]{
clVtof/k|fKt JolQmn] ;b:o;Fusf] ;Demf}tf lqmoflGjt ug]{5g\ . k|ltlglwsf] x]/km]/ jf cGo s'g}
lsl;dsf] kl/jt{g ePdf lxtu|fxLn] ;b:onfO{ t'?Gt hfgsf/L u/fpg]5 .
*= ;Demf}tf /2 ug]{ M
ljlgodfjnL tyf ;~rfng lgb]{lzsfdf pNn]v ul/Pcg';f/sf zt{aGb]hsf] clwgdf /xL
kIfx¿n] of] ;Demf}tf h'g;'s} ;dodf /2 ug{ ;Sg]5g\ . s'g} klg kIfn] ;Demf}tf /2 u/]df
lxtu|fxLsf] vftfdf ePsf lwtf]kqx¿nfO{ ;f]xL lxtu|fxLsf] lgb]{zgadf]lhd ;b:on] Joj:yfkg
ug]{5 .
(= sfa'aflx/sf] kl/l:ylt M
o; ;Demf}tf jf ljlgodfjnLdf h'g;'s} s'/f n]lvPsf] eP tfklg cfFwL, t'kmfg, af9L, r6\ofª,
e"FO{rfnf], cfunfuL, lj:kmf]6g jf b}jL k|sf]k, o'4, ljb|fx] , qmflGt, x'nb+uf, lgif]wf1f, gfsfaGbL,
cj/f]w, b+uf, gful/s snx, x8\tfn, tfnfaGbL, alxisf/, s'g} pkof]uL ;]jfdf cj/f]wh:tf
dhb'/ sf/jflx jf czflGt, zq'sf] sf/jflx, ck/flws if8oGq, cft+ssf/Lsf] ultljlw jf
tf]8kmf]8, ljWj+;, k|0ffnLdf u8a8L, cgfxs k|j]z jf k|ltsf/ ug{ g;lsg] cGo s''g} zlQm jf
afWotfnufot sfa' jf lgoGq0faflx/sf 36gfåf/f o; ;Demf}tfcGtu{tsf] bfloTjdf s'g} sfo{
;Dkfbg gu/]sf], ljnDa u/]sf] jf pNn+3g ePsf]df s'g} Ps kIfnfO{ x'g uPsf] xfgLgf]S;fgL,
Ifltsf] ;f]wegf{ jf Ifltk'lt{ lbg csf]{ kIf pQ/bfoL x'g]5}g .
!)= hgfp M
o; ;Demf}tfcg';f/ lbOg] cyjf cfjZos x'g] s'g} klg hgfp jf ;~rf/ lnlvt ¿kdf /
k|fkssf] xfn;fnsf] 7]ufgfdf gk7fP;Dd aGwgsf/L x'g]5}g .
!!= ljjfbsf] ;dfwfg M
kIfx¿sf aLrdf pTkGg x'g ;Sg] ljjfb tyf leGgtfsf ;DaGwdf ljlgodfnLdf
tf]lsPcg';f/sf] dWo:ytf ;ldltsf] Aoa:yf o; ;Demf}tfsf kIfx¿nfO{ klg nfu' x'g]5 .
!@= lgodgsf/L sfg"g M
of] ;Demf}tf k|rlnt g]kfn sfg"gåf/f lgodg tyf JofVof x'g]5 .
;Demf}tfsf k|yd kIf ;Demf}tfsf bf]>f kIf
lgIf]k ;b:osf] tkm{af6 clwsf/ k|fKt lxtu|fxLsf] tkm{af6 clwsf/ k|fKt
JolQmsf] gfdM JolQmsf] gfdM
b:tvt M b:tvt M
sDkgLsf] 5fkM sDkgLsf] 5fkM

;fIfL ;fIfL
!= =========================================== != ===========================================

O{lt ;+Djt ============ ;fn =============== dlxgf ============ ut] /f]h========== z'ed\ .
64
 
 cg';"rL – !^
-ljlgod @@ ;Fu ;DalGwt_
cef}ltsLs/0f cfb]z
ldlt M =======================
>L =========================
=============================

ljifo M cef}ltsLs/0f u/L lbg] af/] .

dxfzo,
d÷xfdL ==================== sDkgLsf] ================= lsQf cef}ltsLs/0f ug]{ OR5f ePsf]n]
cef}ltsLs/0f ug{ cfjZos z'Ns o; lgj]bg ;fy ;+nUg u/L lgj]bg lbPsf] x'gfn] cfjZos
Joj:yf ldnfO{ lbg' x'g cg'/f]w ub{5'÷5f}+ .
qm= sDkgLsf] cfO{=P;=cfO{=Pg= z]o/wgLsf] z]o/wgL z]o/ qmd ;+Vof z]o/ s}lkmot
;+= gfd gfd gDa/ k|df0fkq b]lv ;Dd k|df0fkq
gDa/ ;+Vof

ejbLo
lgIf]k ;b:odf ePsf] b:tvt M
sDkgLdf ePsf] b:tvt M
gfd÷y/ M
7]ufgf M
6]lnkmf]g M
Od]n M
afa'÷;+rfns sf] gfd÷y/ M
afh]sf] gfd÷y/ M
kltsf] gfd÷y/ M
gful/stf g+=M
hf/L ldlt / :yfg M
lxtu|fxL kl/ro gDa/ M
nlsÍ ePsf] sf/0f M
nlsÍ ePsf] ldlt ;Dd M
65
 
 cg';"rL – !&
-ljlgod @$ ;Fu ;DalGwt_
k'gMef}ltsLs/0f cfb]z
ldlt M =======================
>L =========================
=============================

ljifo M k'gMef}ltsLs/0f u/L lbg] af/] .

dxfzo,
d÷xfdL ==================== sDkgLsf] ========================= lsQf cef}ltsLs/0f u/]sf]df
k'gMef}ltsLs/0f ug{ cfjZos z'Ns o; lgj]bg ;fy ;+nUg u/L lgj]bg lbPsf] x'gfn] cfjZos
Joj:yf ldnfO{ lbg' x'g cg'/f]w ub{5'÷5f}+ .

ejbLo
b:tvt M
gfd÷y/ M
7]ufgf M
6]lnkmf]g M
Od]n M
afa'÷;+rfns sf] gfd÷y/ M
afh]sf] gfd÷y/ M
kltsf] gfd÷y/ M
gful/stf g+=M
hf/L ldlt / :yfg M
lxtu|fxL kl/ro gDa/ M

66
 
 cg';"rL – !*
-ljlgod @% ;Fu ;DalGwt_
vftf /f]Ssf÷km'Ssf kmf/fdsf] gd'gf

ldlt M
>L =======================
============================
============================

ljifo M vftf /f]Ssf÷km's'jf ug]{ af/] .

dxf]bo,
d]/f]÷xfd|f] ================= sf] gfddf /x]sf] vftf /f]Ssf÷km's'jf u/L lbg cfjZos z'Ns
;+nUg u/L of] lgj]bg k]z u/]sf] 5'÷5f}+ .

ejbLo
b:tvt M
gfd÷y/ M
7]ufgf M
6]lnkmf]g M
Od]n M
afa'÷;+rfns sf] gfd÷y/ M
afh]sf] gfd÷y/ M
kltsf] gfd÷y/ M
gful/stf g+=M
hf/L ldlt / :yfg M
lxtu|fxL kl/ro gDa/ M

67
 
 cg';"rL – !(
-ljlgod @^ sf] pkljlgod @ ;Fu ;DalGwt_
lwtf]kq aGwsL ;DaGwL ljj/0f

ldlt M
>L ======================
===========================
============================

ljifo M lwtf]kqsf] lwtf] aGws lnPsf] Joxf]/f hgfO{ kfpF eGg] af/] .

================== sDkgLsf] k|lt lwtf]kq d"No ?======= b/sf] hDdf ======== lsQf lwtf]kq >L ==============
af6 aGws lnPsf] x'Fbf ;f] ;DaGwL lnlvtsf] Ps k|lt ;+nUg /fvL of] lgj]bg k]z u/]sf] 5'÷5f}+ .
pQm lwtf]kq lwtf] aGws lnPsf] s'/f sDkgLsf] /]s8{df hgfO{ kfpg lgod cg';f/ nfUg] b:t'/ o;
lgj]bg ;fy k]z u/]sf] 5' .

ejbLo
b:tvt M
gfd÷y/ M
7]ufgf M
6]lnkmf]g M
Od]n M
afa'÷;+rfnssf] gfd÷y/ M
afh]sf] gfd÷y/ M
kltsf] gfd÷y/ M
gful/stf g+=M
hf/L ldlt / :yfg M
lxtu|fxL kl/ro gDa/ M

68
 
 cg';"rL – @)
-ljlgod @& ;Fu ;DalGwt_
lxtu|fxLsf] vftf aGb ug]{ ;DaGwL ljj/0f

ldlt M
>L =======================
============================
============================

ljifo M vftf aGb ug]{ af/] .

dxf]bo,
d]/f]÷xfd|f] ================= sf] gfddf /x]sf] vftf aGb u/L lbg cfjZos z'Ns ;+nUg u/L of]
lgj]bg k]z u/]sf] 5'÷5f}+ .

ejbLo
b:tvt M
gfd÷y/ M
7]ufgf M
6]lnkmf]g M
Od]n M
afa'÷;+rfnssf] gfd÷y/ M
afh]sf] gfd÷y/ M
kltsf] gfd÷y/ M
gful/stf g+=M
hf/L ldlt / :yfg M
lxtu|fxL kl/ro gDa/ M

69
 
 cg';"rL – @!
-ljlgod ^, & tyf ljlgod @# sf] pkljlgod -!_ / -#_ ;Fu ;DalGwt_

#
l;l8P;l;n] lng z'Ns

lgIf]k ;b:o;+u lng] z'Ns

;ˆ6j]o/ h8fg tyf dd{t z'Ns – ?=@),))).–

cef}ltsLs/0fsf nflu btf{ ePsf ;+ul7t ;+:yf;+u lng] z'Ns

!= ;ˆ6j]o/ h8fg tyf dd{t z'Ns – ?=@),))).–
@= ;+:yfut nfe z'Ns – k|lt lxtu|fxL ?=@.–* 
#= k|f/lDes lgisfzg k|dfl0ft z'Ns – k|lt lxtu|fxL ?=!.–
$= k|f/lDes lgisfzg k|zf]wg z'Ns – k|lt lxtu|fxL ?=%.–
##
%= cfj]bsx?sf] JolQmut ljj/0f tyf lxtu|fxL vftf gDa/ pknAw ug{ M
;ˆ6j]o/ z'Ns – k|lt lgisfzg ?=@),))).–
k|dfl0fs/0f z'Ns – k|lt lgj]bg ?=!.–
afF8kmfF8 z'Ns – k|lt lxtu|fxL ?=!.–
#
-af]gz z]o/ Pj+ xsk|b z]o/, z]o/ ;+/rgf kl/jt{g tyf cGo ;+:yfut nfe ;DaGwL_

Ä klxnf] ;+zf]wg, @)^(

# bf];|f] ;+zf]wg, @)&# cg';f/ ;+zf]lwt ul/Psf] .
## bf];|f] ;+zf]wg, @)&# cg';f/ yk ul/Psf] . 

70
 
 cg';"rL – @@
-ljlgod @! sf] pkljlgod $ ;Fu ;DalGwt_
lgIf]k ;b:o / lwtf]kq bnfnaLrsf] ;Demf}tf
==== l:yt sfof{no /x]sf] ============== -j}wflgs cl:tTj ePsf] lgsfosf] ljj/0f_ -o;kl5 æ;b:oÆ
elgPsf]_ k|yd kIf / ===== l:yt sfof{no /x]sf]=================== -j}wflgs cl:tTj ePsf] lgsfosf]
ljj/0f_ o;kl5 -ælwtf]kq bnfnÆ elgPsf]_ bf];|f] kIf aLr b]xfosf zt{x? kfngf ug]{ ;xdlt;fy
of] ;Demf}tf ul/Psf] 5 .
!= ;fdfGo k|fjwfg M
!=!= o; ;Demf}tfkqdf k|of]u eO{ o;df kl/eflift gePsf t/ sDkgL P]g, @)^#, lwtf]kq ;DaGwL
P]g @)^#, lwtf]kqsf] s]Gb|Lo lgIf]k ;]jf lgodfjnL, @)^& / l;l8P;l;sf] ljlgodfjnLdf
kl/eflift ePsf zAbfjnL tyf cleJolQmx? plNnlvt P]g lgodfjnL tyf ljlgodfjnLn]
lgwf{/0f u/]sf] cy{df u|x0f ul/g]5g\ .
!=@= o; ;Demf}tfdf k|of]u ePsf ælxtu|fxLÆ, ækm5\of}{6 lgsfoÆ, ælgisfzgstf{Æ, æ;b:oÆ,
æ/lhi6«f/ jf lwtf]kq x:tfGt/0f k|ltlglwÆ h:tf zAbfjnL tyf jfSofz+x¿n] lwtf]kq s]Gb|Lo
lgIf]k ;DaGwL lgodfjnL, @)^& tyf lwtf]kq s]Gb|Lo lgIf]k ;]jf ljlgodfjnL, @)^* df
pNn]v eP adf]lhdsf] cy{ nfUg]5 .
!=#= ;b:osf nflu lwtf]kqsf] s]Gb|Lo lgIf]k ;]jf lgodfjnL, @)^& aGwgsf/L x'g]5 / o;}
;Demf}tfdf pNn]v eP ;/x / o;} ;Demf}tfsf] cËsf ¿kdf l;l8P;l;n] hf/L u/]sf]
ljlgodfjNfL tyf ;~rfng lgb]{lzsf Kffng ug{ ;xdt 5g\ .
!=$= ;b:o jf lwtf]kq bnfn /xg] s'/fsf] ;dfKt eP klg lgIf]k ;b:o jf lwtf]kq bnfnsf]
;dflKt x'g'k"j{sf ;f] x}l;otdf ;Dkfbg jf sfof{Gjog ul/Psf, k|j]z ul/Psf jf ;DkGg
ul/Psf jf ug{ afFsL /x]sf aSof}tf, ck"0f{ jf sfdafFsL k|ljli6 jf sf/f]af/nufot ;a}
dfldnfdf ltgsf bfloTj kl/k"0f{tfsf nflu cfjZos x'g] s'/fdf ;b:o / lwtf]kq bnfnsf
nflu ljlgodfjnL tyf ;~rfng lgb]{lzsf aGwgsf/L /xg]5g\ .
@= z'Ns b:t'/ a'emfpg'kg]{ M
lwtf]kq bnfnn] lgIf]k ;b:onfO{ vftfx? vf]Ng] tyf ;~rfng ug]{ lgb]{zgx? sfof{Gjog ug]{ /
pNn]lvt vftfsf] ;~rfngfy{ eO{ kl/cfpg] vr{ tyf ;]jfx? pknAw u/fpg nfu]sf] z'Ns,
b:t'/ e'QmfgL a'emfpg' kg{]5 .
#= lwtf]kq bnfnsf] pQ/bfloTj M
#=!= vftf vf]Ng] kmf/d, ;dy{g tyf gTyL sfuhft / of] ;Demf}tfkqdf sfod ul/Psf ;a} Joxf]/f
tyf ljj/0fx¿sf] cflwsfl/stf,
#=@= vftf vf]Ngsf nflu jf tTkZrft\ ;b:o;dIf k|:t't sfuhftx¿sf] cflwsfl/stf / ;Totf,
#=#= s'g} klg sf/f]af/nfO{ k|efj kfg{sf nflu ;b:onfO{ hf/L ul/Psf lgb]{zgx¿ k"/f ug{ kof{Kt
x'g] lghsf] vr{x¿sf] ;'/If0f ;'lglZrt ug{,

71
 
#=$= vftf vf]Ng] ;dodf jf ;do;dodf 7]ufgf, a}+s ljj/0f, x}l;ot, cef}ltsLs/0f, dgf]gog,
x:tfIf/ cflb h:tf ;b:o;dIf k|:t't cfj]bg kmf/dsf ljj/0fx¿df ePsf s'g} klg
kl/jt{gsf] oyfzSo rfF8} ;b:onfO{ hfgsf/L u/fpg] s'/f .
$= lwtf]kq bnfnn] vftfx¿ vf]Ng'kg]{ M
$=!= lwtf]kq bnfnn] /fkm;fkm k|of]hgsf] nflu vftfx¿ vf]Ng'kg]{5 .
$=@= lwtf]kq bnfnn] lxtu|fxLsf] gfddf vf]lnPsf] vftfdf x'g cfpg] ;+:yfut nfe tTsfn cfˆgf]
vftfdf k|fKt ePdf t'?Gt} lxtu|fxLsf] vftfdf hDdf ul/lbg' kg]{5 . o;/L pknAw nfe
lxtu|fxLsf] vftfdf hDdf gePsf] sf/0faf6 pTkGg Ifltk"lt{ lwtf]kq bnfnn] Joxf]g]{ 5 .
%= lgIf]k ;b:on] k|To]s lwtf]kq bnfnsf nflu leGbfleGb} vftf vf]Ng] M
;b:on] k|To]s lwtf]kq bnfnsf nflu leGbfleGb} vftf ;~rfng ug]{5 . s'g} Ps lwtf]kq
bnfnsf lwtf]kqx¿ csf]{ lwtf]kq bnfn jf ;b:osf lwtf]kqx¿;Fu gldl;g] s'/f ;'lglZrt
kfg]{5 .
^= lgIf]k ;b:on] lwtf]kq bnfnsf] lgb]{zgcg';f/ dfq sfo{ ug'{kg]{ M
^=!= ;b:on] lwtf]kq bnfn jf ;f]sf nflu l;l8P;l;n] tf]s]cg';f/sf] tl/sfaf6 lwtf]kq bnfnn]
clVtof/ u/]sf] JolQmx¿sf] lgb]{zg jf sfo{ cg';f/ dfq sfo{ ug]{5 .
^=@= ;b:on] lwtf]kq bnfnsf lgb]{zgx¿sf] sfof{Gjogug'{kg]{5 . lwtf]kq bnfnsf] tkm{af6
k|ltlglwTj / clVtof/k|fKt ;"rLs[t JolQmx¿n] ;b:o;Fusf] ;Demf}tf sfof{Gjog ug]{5g\ .
k|ltlglwx¿sf] To:tf] ;"rLdf yk36, x]/km]/ jf cGo s'g} lsl;dsf] kl/jt{g ePdf lwtf]kq
bnfnn] lgIf]k ;b:onfO{ t'?Gt hfgsf/L ug]{5g\ .
&= lwtf]÷aGws M
lwtf]kq bnfnn] lghsf vftfx¿df /x]sf lwtf]kqx¿nfO{ lwtf], aGws /fVg kfpg] 5}g .
*= lwtf]kq bnfnsf] vftf lgliqmo -lk|mlhª_ / ;lqmo -l8lk|mlhª_ ug]{ M
*=!= lwtf]kq bnfnn] lghsf] vftfdf /x]sf] lwtf]kqx¿sf ;DaGwdf ltgsf] ;Dk"0f{ ;~rfng
lgliqmo ug{ / vftf /f]Ssf ug]{ clwsf/ h'g;'s} a]nf k|of]u ug{ ;Sg]5 . To;sf nflu lgb]{zg
k|fKt u/]sf] ;doleqdf lwtf]kq bnfnsf] vftf lgliqmo ul/lbg] sfd ;b:osf] x'g]5 . ;dodf
;b:on] lgliqmo gu/]sf sf/0fn] lwtf]kq bnfnnfO{ k'u]sf] s'g} klg Iflt, xfgL, 3f6f ;b:on]
Joxf]g'{ kg]{5 .
*=@= g]kfn ;/sf/, cbfnt, jf /fh:j lgsfosf lgb]{zg, cfb]z jf cf1f kfngfsf nflu jf
;b:onfO{ To;f] ug{ l;l8P;l;sf] lnlvt lgb]{zg kfPdf lwtf]kq bnfnsf vftfx¿ ;b:on]
lgliqmo ug{ ;Sg]5 / o;/L vftf /f]Ssf x'Fbf ;b:on] To;af/] lwtf]kq bnfnnfO{ t'?Gt}
;"lrt ug]{5 .
(= ;b:osf] lnog clwsf/ M
l;l8P;l;sf] k"j{:jLs[lt glnO{ ;b:on] lwtf]kq bnfn;Fusf] lwtf]kq;DaGwL lwtf]kq bnfnsf
tkm{sf] hfn;fhL, nfk/jfxL jf uNtLsf sf/0faf6 ;b:o jf l;l8P;l;nfO{ ePsf] s'g} klg
Ifltsf] Ifltk"lt{nufot afFsLaSof}tf c;'npk/:j¿k lgh;Fusf] vftfdf /x]sf] lwtf]kq
bnfnsf] cef}ltlss/0fdf /x]sf] h]yfpk/ ;b:on] lnog clwsf/ k|of]u ug]{5}g . ;b:on]
l;l8P;l;af6 o:tf] k"j{:jLs[lt k|fKt u/]df l;l8P;l;n] lglb{i6 u/]cg';f/ lwtf]kq bnfnsf]
72
 
 vftfdf /x]sf] lwtf]kqsf] lnog clwsf/ k|of]u;DaGwL ;"rgf ;DalGwt lwtf]kq bnfnnfO{
lnlvt ¿kdf lbg]5 .
!)= lwtf]kq bnfnsf] vftfsf] kmfF6jf/L -:6]6d]G6_ M
!)=!= ;b:on] lwtf]kq bnfnnfO{ lghsf vftfsf] kmfF6jf/L x/]s dlxgfsf] cGtdf k|bfg ug]{5 . ;f]
;do afx]s lwtf]kq bnfnnfO{ rflxPsf] a]nf lgIf]k ;b:on] b:t'/ lnO{ h'g;'s} a]nf kmfF6jf/L
k|bfg ug{ ;Sg]5 .
!)=@= lwtf]kq bnfnn] ;b:oaf6 k|fKt lghsf] vftfsf] k|To]s kmfF6jf/Lsf] ;To tYo / ltgsf]
cflwsfl/stfsf] hfFr ug]{5 / To:tf] kmfF6jf/Ldf s'g} uNtL jf km/s b]lvP zL3|fltzL3| lgIf]k
;b:onfO{ hfgsf/L u/fpg]5 .
!!= uf]kgLotf M
cbfnt jf /fh:j lgsfon] jf l;l8P;l; jf ;DalGwt lgZsfzgstf{ jf l;l8P;l; dfkm{t
/lhi6«f/ jf /fkm;fkm ;+:yfn] dfu]sf] jf lnlvt ¿kdf lgb]{zg u/]sf]df s'g} sfg"gL bfloTj
k"/f ug{ lwtf]kq bnfn;Fu ;/f]sf/ g/fvL jf g;f]wL lwtf]kq bnfn / lghsf] vftf;DaGwL
lj:t[t hfgsf/L, ljj/0f, tYofÍ jf ;"rgf pknAw u/fpg jf v'nf;f ug{ ;b:onfO{
:jtGqtf /xg]5 . t/ ;b:on] cGo kIf jf JolQmnfO{ lwtf]kq bnfn / lghsf] vftf;DaGwL
lj:t[t hfgsf/L, ljj/0f, tYofÍ jf ;"rgfsf] uf]kgLotf sfod /fVg]5 .
!@= lwtf]kq bnfnn] t'?Gt} hgfp lbg'kg]{ M
!@=!= lwtf]kq bnfnn] l;l8P;l; / lgIf]k ;b:onfO{ t'?Gt hgfp lbg]5g\ M
!@=!=!= lwtf]kq bnfnsf] ¿kdf sfd ug{ c;dy{ ePdf,
!@=!=@= lwtf]kq bnfn lj36gsf nflu lgj]bg :jLsf/ u/]df, lnlSj8]6/sf] lgo'lQm ePdf jf
lj36g k|:tfj :jLs[t ePdf,
!@=!=#= bfdf;fxL, 6f6kN6fO jf lnlSj8];gsfnflu s'g} lgj]bg hfgsf/L cfPdf,
!@=!=$= lghsf] ;DklQdf jf lghpk/ s'g} ;+s6, Iflt jf cGo s'g} s'/f ePsf] jf ul/Psf]
hfgsf/L k|fKt ePdf,
!@=!=%= lwtf]kq bnfnnfO{ e'Qmfg ug{ g;Sg] -l8kmN6/_ 3f]if0ff ul/Pdf jf lgnDag ul/Pdf
jf lghsf] ;b:otf ;DalGwt lwtf]kq ahf/ jf af]8{åf/f ;dfKt ul/Pdf,
!@=!=^= af]8{ jf lwtf]kq ahf/n] lwtf]kq bnfnnfO{ vf/]h, lgnDag jf s'g} sf/jfxL u/]df,
!#= lwtf]kq bnfnsf] u'0ff;f]÷ph'/Lsf] ;dfwfg M
;b:on] lgh;Fu ;DalGwt lwtf]kq bnfnsf ;a} u'0ff;f]÷ph'/L ;dfwfg ug]{5g\ / ;f] sf]
hfgsf/L l;l8P;l;nfO{ lbg]5g\ .
!$= vftf aGb x'g] M
!$=!= lwtf]kq bnfnn] s'g} klg lgb]{zgsf] sfd afFls g/x]sf] jf lqmoflGjt x'g afFls g/fvL /
;b:onfO{ a'emfpg'kg]{ z'Ns jf b:t'/ a'emfpg afFls g/fvL ;b:o;dIf /x]sf lghsf ;a}
vftfx¿ aGb ug{sf nflu cfXjfg u/L of] ;Demf}tfkq /2 ug{ ;Sg]5 . o;sf nflu o;
;DaGwdf vftf aGb ug'{kg]{ plrt sf/0f ;lxtsf] Joxf]/fdf lwtf]kq bnfnn] ;b:o;dIf
lgj]bg lbg'kg]{5 . lwtf]kq bnfnn] vftfdf /x]sf s'g} klg ;Íng jf df}Hbft afFsL gePdf

73
 
 vftfaGbL kmf/d sfof{gjog u/L aGb ug{ ;Sg]5 . aGb ug{ vf]lhPsf] vftfdf s'g} klg
lwtf]kq afFsL b]lvPdf b]xfosf dWo] s'g} Ps tl/sfaf6 vftfx¿ aGb x'g ;Sg]5g\ M
!$=!=!= vftfdf /x]sf ;a} df}Hbftsf] cef}ltsLs/0f u/]/,
!$=!=@= vftfdf afFsL /x]sf ;a} df}Hbft lghsf cGo ;b:o;dIf /x]sf Ps jf a9L
vftfx¿df :yfgfGt/0f u/]/,
!$=!=#= o:tf] vftfdf /x]sf df}HbftdWo] s]xLsf] cef}ltsLs/0f u/]/ / s]xL df}Hbft lghsf
cGo ;b:o;dIf /x]sf Ps jf a9L vftfx¿df :yfgfGt/0f u/]/,
!$=@= lwtf]kq bnfnaf6 ;f] ;DaGwdf u/]sf] lgb]{zg kfPsf] @ -b'O{_ sfo{ lbg cjlw leq ;b:on]
lwtf]kq bnfnsf lwtf]kqx¿sf] df}Hbft :yfgfGt/ jf cef}ltsLs/0fsf] sfo{ljlwsf] hgfp
lbg'kg]{5 .
!$=#= lwtf]kq bnfnsf vftfdf /x]sf] lwtf]kqx¿ lwtf]aGwsdf /x]sf] jf lx;fa gldn]sf] jf vftf
aGb ug]{ s'/fn] s'g} cbfnt, jf /fh:j Gofoflws/0fsf] s'g} cfb]z jf lgif]wf1f tf]l8g] jf
pNn+3g x'g] ePdf lwtf]kq bnfnsf] vftf aGb x'g]5}g .
!$=$= lgIf]k ;b:on] cfkm\gf] ;b:otf lgis[of ug]{ cj:yf ePdf lwtf]kq bnfnn] lghsf
lwtf]kqx¿sf] cef}ltsLs/0f ug{ jf csf]{ ;b:o;Fu vf]lnPsf] vftfdf lghsf] vftfsf
lwtf]kqx¿ :yfgfGt/ ug{ cg'/f]w ug{ ;Sg]5 .
!%= vf/]h M
!%=!= lgDg cj:yfdf ;b:on] of] ;Demf}tfkq /2 ug{ ;Sg]5 M
!%=!=!= dfu ul/Psf] ldltn] #) -tL;_ lbgleq ;xdlt ul/Psf] z'Ns jf b:t'/x¿ a'emfpg
g;s]df,
!%=!=@= lwtf]kq ahf/n] lgnDag u/]df jf l8kmN6/ 3f]lift u/]df jf lwtf]kq ahf/sf]
;b:otf ;dfKt ePdf,
!%=!=#= af]8{ jf ;f] ;DaGwdf sfg"gn] clwsf/k|fKt lgodgsf/L clwsf/Ln] /fkm;fkm ;+:yf jf
lwtf]kq ahf/af6 x6fPdf, lgnDag u/]df jf btf{ vf/]h u/]df,
!%=!=$= ;b:o;Fusf] sf/f]af/df hfn;fhL jf g}lts ktg b]lvg] s'g} sfo{ u/]df jf ;xefuL
ePdf,
!%=@= lwtf]kq bnfnnfO{ sDtLdf ! -Ps_ dlxgfsf] lnlvt ;"rgf hf/L u/]/ ;b:on] s'g} klg
sf/0f ghgfO{ of] ;Demf}tfkq /2 ug{ ;Sg]5 .
!%=#= ;b:on] of] ;Demf}tf /2 u/]sf] cj:yfdf, lwtf]kq bnfnsf] vftf aGb ug{sf nflu ;b:on]
lwtf]kq bnfnnfO{ lghsf] vftfdf /x]sf lwtf]kq df}Hbft csf]{ ;b:o;dIf /x]sf] vftfdf
:yfgfGt/ ug]{ jf ljlgodfjnL cg';f/ k'gMef}ltsLs/0f u/L ;xdltdf ;f]xL adf]lhd vftf
aGb ug{]5 . lwtf]kq bnfnsf sf/0fn] geO{ ;b:o cfkm}n] vftf aGb u/fPsf]df lwtf]kq
bnfnsf] vftfsf] lwtf]kq csf]{ ;b:osf] vftfdf :yfgfGt/ ubf{ jf o:tf] vftfdf /x]sf]
lwtf]kq k'gMcef}ltsLs/0f ubf{ nfu]sf] s'g} klg nfut, b:t'/ jf vr{ ;b:on] Joxfg]{5 .
!%=$= ;Demf}tfkqsf] vf/]hdf lwtf]kq bnfnn] vftfsf afFsL df}Hbft csf]{ ;b:osf] vftfdf
:yfgfGt/ ug{ vftf tf]Sg g;s]df jf csf]{ ;b:osf] vftfdf df}Hbft :yfgfGt/0f ug{ k|oTg
ubf{ g;s]df l;l8P;l;n] s]xL ;dosf nflu vftf :yfgfGt/ ug{ csf]{ s'g} klg ;b:o
74
 
 dgf]gog ug]{5 t/ l;l8P;l;n] :yfgfGt/ ug{ csf]{ ;b:o;Fu lwtf]kq bnfnn] ;Demf}tf
gu/];Dd ;f] s'/f k|efjsf/L x'g]5}g .
!%=%= ;b:oaf6 of] ;Demf}tfsf] vf/]h eP jf lwtf]kq bnfnaf6 o:tf] vftf aGb u/] tfklg, o;
;Demf}tfkqsf Joj:yf / To;af6 pTkGg kf/:kl/s clwsf/ tyf bfloTjx¿, To:tf] vf/]h
jf vftfaGbL;Fu gaflemP;Dd, ;Demf}tf k|efjsf/L /x]sf cjlwsf ;a} sfo{, lnvt,
dfldnf, ;Dkflbt sfo{ / sf/f]af/sf nflu kIfx¿ aGwgsf/L /xg]5g\ .
!^= xhf{gf M
!^=!= ;b:on] lwtf]kq bnfnsf] lgb]{zgljkl/t jf k|lts"n jf ;b:osf tkm{af6 P]g, lgod,
ljlgod pNn+3gdf sd{rf/L, Ph]G6 jf s'g} s'/faf6 ePsf] s'g} klg nfk/jfxLaf6 lwtf]kq
bnfnsf vftfdf /x]sf] lwtf]kqx¿sf] s'g} klg cfDbfgL jf vr{nfO{ c;/ kfg]{ u/L jf ;f] sf]
sf/0faf6 lwtf]kq bnfnnfO{ x'g uPsf ;a} Iflt, xfgL, gf]S;fgL / d'2f, sf/jflx / cGo
h'g;'s} sfo{k|lqmof;+u ;DalGwt ;a} nfut, b:t'/ tyf vr{af6 ePsf] gf]S;fgLsf]] xhf{gf
lgIf]k ;b:on] lbg]5 .
!^=@= lwtf]kq bnfnn] ;b:o;dIf k]; ePsf k|df0fkq jf cGo sfuhftsf] ;DaGwdf ePsf
hfn;fFhL, em'6f, vf]6f], rf]/Lsf], /2 ePsf] jf s'g} cbfnt, jf To:tf] lwtf]kqsf] :yfgfGt/df
/f]s nufpg] jf lgif]w ug{ clwsf/ kfPsf] s'g} klg lgsfosf] cfb]z jf lgif]wf1fsf] cwLgdf
/xL cdfGo ePdf ;b:o / ltgsf sd{rf/Lx¿nfO{ xfgL/lxt ul/Psf] s'g} sfo{ lnvt jf s'g}
s'/faf6 ePsf] s'g} klg nfk/jfxLaf6 lwtf]kq bnfnsf vftfdf /x]sf] lwtf]kqx¿sf] s'g} klg
cfDbfgL jf vr{nfO{ c;/ kfg]{ u/L jf ;f] sf/0faf6 lwtf]kq bnfnaf6 x'g uPsf ;a} Iflt,
xfgL, gf]S;fgL / bfjL dfu, d'2f, sf/jfxL, cleof]hg / cGo h'g;s} sfo{k|lqmof ;DaGwL
nfut, b:t'/ tyf vr{nufotsf] ;b:onfO{ xhf{gf lbg]5 .
!&= sfa'aflx/sf] kl/l:ylt M
o; ;Demf}tf jf ljlgodfjnLdf h'g;'s} s'/f n]lvPsf] eP tfklg cfFwL, t'kmfg, af9L, r6\ofª,
e"FO{rfnf], cfunfuL, lj:kmf]6g jf b}jL k|sf]k, o'4, ljb|f]x, qmflGt, x'nb+uf, lgif]wf1f, gfsfaGbL,
cj/f]w, b+uf, gful/s snx, x8\tfn, tfnfaGbL, alxisf/, ;]jfdf cj/f]wh:tf dhb'/ sf/jfxL
jf czflGt, zq'sf] sf/jfxL cfk/flws if8oGq, cft+ssf/Lsf] ultljlw jf tf]8kmf]8, ljWj+z,
cgfxs k|j]z jf k|ltsf/ ug{ g;lsg] cGo s''g} zlQm jf afWotfnufot sfa' jf
lgoGq0faflx/sf 36gfåf/f o; ;Demf}tfcGtu{tsf] bfloTjdf s'g} sfo{ ;Dkfbg gu/]sf],
ljnDa u/]sf] jf pNn+3g ePsf]df s'g} Ps kIfnfO{ x'g uPsf] xfgLgf]S;fgL, Iflt jf rf]6sf]
;f]wegf{ jf Ifltk"lt{ lbg csf]{ kIf pQ/bfoL x'g]5}g .
!*= hgfp M
o; ;Demf}tfcg';f/ lbOg cfjZos x'g] s'g} klg hgfp jf ;~rf/ lnlvt ¿kdf / k|fkssf]
xfn;fnsf] 7]ufgfdf gk7fP;Dd aGwgsf/L x'g]5}g .
!(= k|efjsfl/tf M
of] ;Demf}tfsf] s'g} klg k|fjwfg s'g} cbfnt, jf lgodgsf/L lgsfon] u}/sfg"gL, k|efjz"Go
jf nfu" ug{ g;lsg] egL lg¿k0f jf 7x/ u/]df jf s'g} sfg"gsf] ;+zf]wg, ;"rgf jf Goflos
lg0f{osf sf/0fn] z"Go jf nfu" ug{ g;lsg] agfOPdf o; ;Demf}tfdf x'g'kg]{;Dej eP;Dd
;Demf}tfsf cGo k|fjwfgx¿ km]/abn gu/L To:tf] k|fjwfg lgliqmo jf k|efj/lxt x'g]5g\ t/
75
 
 ;f] s'/fn] ;Demf}tfsf afFsL k|fjwfgx¿sf] dfGotf jf k|efjsfl/tfnfO{ s'g} c;/ ug]{5}gg\ /
x'ax' nfu" x'g]5g\ .
@)= g]kfn lwtf]kq af]8{af6 ePsf ;+zf]wg jf x]/km]/ aGwgsf/L x'g] M
g]kfn lwtf]kq af]8{af6 o; ;Demf}tfdf ul/Psf yk36, x]/km]/, kl/dfh{g, ;+zf]wg jf lgb]{z
u/]sf s'g} k|fjwfg o;sf kIfsf nflu aGwgsf/L x'g]5g\ / ltgsf] k|efjsf nflu rflxg]
To:tf lnvt sfuhft jf n]vfOsf] kIfx¿n] kfngf ug]{5g\ .
@!= kl/Tofu ug{ gkfpg] M
s'g} klg kIfn] o; ;Demf}tfcGtu{t ePsf jf sfg"gdf /x]sf s'g} klg clwsf/, ljz]ifflwsf/
jf pkrf/ lnlvt ¿kdf sfof{Gjog u/]afx]s kl/Tofu ug{, 5f8\g jf cnlUug kfpg]5}gg /
kIfx¿ To:tf clwsf/, ljz]ifflwsf/ jf pkrf/ k|of]u gug{ jf ljnDa ug{] s'/fn] To;sf]
kl/Tofu u/]sf] s'/f jf t];f| ] kIfn] u/]sf] s'g} sfo{ljlwsf] pNn+3g, kl/Tofu lqmofzLn x'g]5}g
;fy} o; ;Demf}tfcGtut jf cGo sfg"gcGtu{t pknAw clwsf/, ljz]ifflwsf/ jf pkrf/sf]
cf+lzs k|rng klg x'g]5}g . ;dfGotof o:tf ;a} clwsf/, kIf4f/f l:jsfl/g] 5g .
@@= pkrf/ M
kIfx¿sf aLrdf pTkGg x'g ;Sg] ljjfb tyf leGgtfsf pkrf/sf ;DaGwdf ljlgodfjnLdf
tf]lsPcg';f/sf] dWo:ytf ;ldltsf] k|fewfg nfu' x'g]5 .
@#= lgodgsf/L efiff M
o; ;Demf}tfkqsf] ljifoj:t'sf ;DaGwdf kIfx¿sf aLrdf sfof{Gjog x'g] ;a} lnvt,
sfuhft tyf n]vfO / cfbfgk|bfg ul/g] kqfrf/ g]kfnL efiffdf x'g]5 h'g kIfx¿aLrsf]
lgodgsf/L efiff x'g]5 .
@$= lgodgsf/L sfg"g M
of] ;Demf}tf k|rlnt g]kfn sfg"gåf/f lgodg tyf JofVof x'g]5 .
@%= k|s/0f zLif{s M
o; ;Demf}tfkqsf k|s/0f zLif{sx¿ ;'ljwf / ;Gbe{sf nflu dfq x'g / ltgn] ;Demf}tfkqsf]
JofVofnfO{ k|efj kfg]{ 5}gg\ .
@^= ;Demf}tfsf] sfof{Gjog M
of] ;Demf}tfsf] sfof{Gjog o;sf] ;Ssn k|lt af6 ul/g]5 h'g o;sf kIfx¿;Fu /xg]5g\ .

;Demf}tfsf k|yd kIf ;Demf}tfsf bf]>f kIf

lgIf]k ;b:osf] tkm{af6 bnfn ;b:osf] tkm{af6
clwsf/ k|fKt JolQmsf] gfdM clwsf/ k|fKt JolQmsf] gfdM
b:tvt M b:tvt M
sDkgLsf] 5fkM sDkgLsf] 5fkM

76
 
 ;fIfL ;fIfL

!= =========================================== != ===========================================

O{lt ;+Djt ============ ;fn =============== dlxgf ============ ut] /f]h========== z'ed\ .

77
 
 cg';"rL– @#
-ljlgod @( ;Fu ;DalGwt_
lgb]{zg k'hL{
-lwtf]kq ahf/df sf/f]af/ ePsf]_
lgIf]k ;b:osf] gfd / 7]ufgf M ==========================
lgIf]k ;b:o ;+s]t g+=M ===============
lwtf]kq af]8{sf] btf{ g+=M ====================

qmd ;+Vof M
d÷xfdL cg'/f]w ub{5'÷ub{5f}+ d]/f]÷xfd|f] vftfaf6 tklzndf pNn]lvt ljj/0f ldlt M
yk÷36 ug{ cg'/f]w ub{5'÷ub{5f}+ .
lgIf]k ;b:o kl/ro lxtu|fxL z]o/ wgLsf]
g+=M kl/ro g+=M gfd M
;+Vof lgb]{zg g+=M
qm=
;+ ISIN sDkgLsf] gfd -lgIf]k ;b:on]
c+sdf cIf/df eg]{_
!= N P
@= N P
#= N P
$= N P
%= N P
hDdf k|fKt lgb]{zg -c+sdf_

–M plrt ljj/0f eg'{ xf]nf M–

lgb]{zg k'hL{sf] k|sf/ k"j{ e'Qmfg ;fwf/0f e'Qmfg
lwtf]kq ahf/sf] gfd
/fkm;fkm tyf km5f}{6sf] k|sf/
/fkm;fkm tyf km5f}{6 g+=M
lwtf]kq bnfn g+=M
sfpG6/ lgIf]k ;b:o g+=M
sfpG6/ vftf g+=M

klxnf] cflwsfl/s b:tvt bf];|f] cflwsfl/s b:tvt t];|f] cflwsfl/s b:tvt

lgIf]k ;b:osf] sfof{non] eg]{

cfGtl/s g+=M b:tvt k|dfl0ft ug]{ sf/f]af/ k|lji6L ug]{

78
 
 cg';"rL– @$
-ljlgod #) ;Fu ;DalGwt_
lgb]{zg k'hL{
-lwtf]kq ahf/ eGbf aflx/ sf/f]af/ ePsf_
lgIf]k ;b:osf] gfd / 7]ufgf M ==========================
lgIf]k ;b:o ;+s]t g+=M ===============
lwtf]kq af]8{sf] btf{ g+=M ====================
a'emfpg] k|fKt ug]{ qmd ;+Vof M
d÷xfdL cg'/f]w ub{5'÷ub{5f}+ d]/f]÷xfd|f] vftfaf6 tklzndf pNn]lvt ljj/0f yk÷36 ldlt M
ug{ cg'/f]w ub{5'÷ub{5f}+ .
lgIf]k ;b:o lxtu|fxL z]o/ wgLsf]
kl/ro g+=M kl/ro g+=M gfd M
;+Vof lgb]{zg g+=M
qm
;+ ISIN sDkgLsf] gfd -lgIf]k ;b:on]
c+sdf cIf/df eg]{_
!= N  P 
@= N  P 
#= N  P 
$= N  P 
%= N  P 
hDdf k|fKt lgb]{zg -c+sdf_
Pp6f lxtu|fxLsf] vftfaf6 csf]{ lxtu|fxLsf] vftfdf x:tfGt/0f ePdf / lwtf]kq ahf/sf] sf/f]af/;Fu sf/f]af/ x'g] ldlt
;DalGwt gePdf M–

–M plrt ljj/0f eg'{ xf]nf M–

lgb]{zg k'hL{sf] k|sf/ Vfftf x:tfGt/0f–l;l8P;l;;Fu ;DalGwt
/fkm;fkm tyf km5f}{6sf] ljj/0f lxtu|fxL – lxtu|fxL lxtu|fxL – lwtf]kq bnfn, lwtf]kq bnfn – lxtu|fxL, lwtf]kq bnfn –
lwtf]kq bnfn
lwtf]kq ahf/sf] gfd M
/fkm;fkm tyf km5f}{6sf] k|sf/
/fkm;fkm tyf km5f}{6 g+=M
sfpG6/ lgIf]k ;b:o g+=÷/fkm;fkm
;b:o g+=M
sfpG6/ vftf g+=M
sfpG6/ lxtu|fxL÷lwtf]kq bnfnsf]
gfd M
sfpG6/ /fkm;fkm tyf km5f}{6 lwtf]kq bnfn – lwtf]kq bnfn
ljj/0f
lwtf]kq ahf/sf] gfd
/fkm;fkm tyf km5f}{6sf] k|sf/
/fkm;fkm tyf km5f}{6 g+=M

79
 
 klxnf] cflwsfl/s b:tvt bf];|f] cflwsfl/s b:tvt t];|f] cflwsfl/s b:tvt

lgIf]k ;b:osf] sfof{non] eg]{

cfGtl/s g+=M b:tvt k|dfl0ft ug]{ sf/f]af/ k|lji6L ug]{

80
 
 cg';"rL– @%
-ljlgod #) sf] pkljlgod $ ;Fu ;DalGwt_
cef}ltsLs/0f u/L d[To' gfd;f/Lsf nflu lbg] lgj]bgsf] 9fFrf

ldlt M ========================
>L =========================
=============================

ljifo M cef}ltsLs/0f u/L d[To' gfd;f/L ul/lbg] af/] .

pk/f]Qm ljifodf tklzn adf]lhdsf] z]o/ >L =============================================== sf] ldlt

===============df lgwg ePsf]n] d d[tssf] ====================== gftf kg]{ lxtu|fxL vftf gDa/
======================== ePsf] >L =============================== gfddf pQm z]o/ cef}ltsLs/0f u/L d[To'
gfd;f/L u/L kfpF egL cfjZos sfuhft ;d]t o;} lgj]bg ;fy ;+nUg u/L k]z u/]sf] 5' . kl5
km/s kg]{ 5}g olb km/s k/]df sfg"g adf]lhd ;x'Fnf a'emfpFnf .

qm= sDkgLsf] cfO{=P;=cfO{=Pg= z]o/wgLsf] z]o/wgL z]o/ qmd ;+Vof z]o/ s}lkmot
;+= gfd gfd gDa/ k|df0fkq b]lv ;Dd k| d f0fkq
gDa/ ;+Vof

lgj]bs
b:tvt M–
gfd, y/ M–
lxtu|fxL vftf gDa/ M–
7]ufgf M–
kmf]g÷df]afO{n g+=M–

81
 
 cef}ltsLs/0f u/L d[To' gfd;f/L ug{sf] nflu k]z ug'{ kg]{ cfjZos @÷@ k|lt sfuhftx? M–

-!_ d[To' btf{ k|df0fkqsf] k|dfl0ft k|ltlnlk

-@_ d[tssf] gful/stfsf] k|dfl0ft k|ltlnlk
-#_ xsjfnfsf] gful/stf k|df0fkqsf] k|ltlnlk
-$_ gftf k|dfl0ft /xg] k|df0fkqsf] k|dfl0ft k|ltlnlk
-%_ xsjfnf Ps eGbf a9L eP ;+o'Qm d~h'/Lgfdf
-^_ z]o/sf] ;Ssn k|df0fkqsf] k|dfl0ft k|ltlnlk

b|i6Jo M k]z u/]sf] k|ltlnlksf] ;Ssn ;d]t lnO{ lgj]bs :jo+ pkl:yt x'g' kg]{5 .

82
 
 cg';"rL– @%-s_
-ljlgod #) sf] pkljlgod $ ;Fu ;DalGwt_
d[To' gfd;f/Lsf nflu lbg] lgj]bgsf] 9fFrf

ldlt M ===========================

>L ============================
=================================

ljifo M d[To' gfd;f/L af/] .

pk/f]Qm ljifodf tklzndf pNn]lvt sDkgLsf] z]o/ lxtu|fxL vftf gDa/ =========================
ePsf >L ====================================================================== sf] ldlt =========================== df
lgwg ePsf]n] d d[tssf] ================================ gftf kg]{ lxtu|fxL vftf gDa/
========================== ePsf] >L ======================================= sf] gfddf pQm z]o/ gfd;f/L u/L
kfpF egL cfjZos sfuhft ;d]t o;} lgj]bg ;fy ;+nUg u/L k]z u/]sf] 5' . kl5 km/s kg]{ 5}g
olb km/s k/]df sfg"g adf]lhd ;x'Fnf a'emfpFnf .

qm=;+= sDkgLsf] gfd cfO{=P;=cfO{=Pg= z]o/ lsQf s}lkmot

lgj]bs
b:tvt M–
gfd, y/ M–
lxtu|fxL vftf gDa/ M–
7]ufgf M
kmf]g÷df]afO{n g+=M–

83
 
 d[To' gfd;f/Lsf nflu k]z u'g{ kg]{ cfjZos @÷@ k|lt sfuhftx? M–

-!_ d[To' btf{ k|df0f–kqsf] k|dfl0ft k|ltlnlk

-@_ d[tssf] gful/stf k|dfl0ft k|ltlnlk
-#_ xsjfnfsf] gful/stf k|df0fkqsf] k|dfl0ft
-$_ gftf k|dfl0ft k|df0fkqsf] k|dfl0ft k|ltlnlk
-%_ xsjfnf Ps eGbf a9L eP ;+o'Qm d~h'/Lgfdfsf] k|dfl0ft k|ltlnlk

b|i6Jo M k]z u/]sf] k|ltlnlksf] ;Ssn ;d]t lnO{ lgj]bs :jo+ pkl:yt x'g' kg]{5 .

d[To' gfd;f/L b:t'/

r'Qmf /sd lgIf]k ;b:on] lng] z'Ns
?= !,)),))).– ;Dd )=%% jf Go"gtd ?=@%.–
?= !,)),))) eGbf dfly ?= %,)),))).– ;Dd )=@% jf Go"gtd ?=%)).–
?= %,)),))) eGbf dfly ?=!),)),))).– ;Dd )=!% % jf Go"gtd ?=!))).–
?=!),)),))).– eGbf dfly )=!% jf Go"gtd ?=!%)).–
b|i6Jo M pk/f]Qm adf]lhd lgIf]k ;b:on] lnPsf] z'Nssf] @) k|ltzt l;l8P;l;nfO{ a'emfpg' kg]{5 .

84
 
 cg';"rL– @%-v_
-ljlgod #) sf] pkljlgod $ ;Fu ;DalGwt_
3/fo;L gfd;f/Lsf nflu lbg] lgj]bgsf] 9fFrf

ldlt M ===========================
>L ============================
=================================

ljifo M 3/fo;L gfd;f/L af/] .

pk/f]Qm ljifodf tklzndf pNn]lvt sDkgLsf] d]/f] lxtu|fxL vftf gDa/ ==================================
af6 ===================================== gftf kg]{ lxtu|fxL vftf gDa/ ========================== ePsf] >L
======================================= sf] gfddf b]xfo adf]lhdsf] lwtf]kq x:tfGt/0f ul/lbg egL
cfjZos sfuhft ;d]t o;} lgj]bg ;fy ;+nUg u/L k]z u/]sf] 5' . pQm lwtf]kqdf d]/f] afx]s
cGo s;}sf] xs clwsf/ g/x]sf] Joxf]/f k|dfl0ft ub{5' . pQm Joxf]/fdf s'g} km/s k/]df sfg"g
adf]lhd ;x'Fnf a'emfpFnf .
qm=;+= sDkgLsf] gfd cfO{=P;=cfO{=Pg= z]o/ lsQf s}lkmot

z]o/ lng] M z]o/ lbg] M

dfly pNn]v ljj/0f cg';f/sf] lwtf]kq lbg rfxg] b:tvt M
>L gfd M
d]/f] Psf3/sf] gftf kg]{ s'/f afa'sf] gfd M
l7s ;fFrf] xf] . pQm lwtf]kq lng] O{R5f ePsf]n] d]/f] afh]÷kltsf] gfd M
gfddf gfd;f/L u/L kfpmF . 7]ufgf M
b:tvt M kmf]g g+=M
gfd M
afa'sf] gfd M cf}+7fsf] 5fk M
afh]÷kltsf gfd M bfofF afofF
7]ufgf M
kmf]g g+=M

85
 
 3/fo;L gfd;f/Lsf nflu k]z u'g{ kg]{ cfjZos @÷@ k|lt sfuhftx? M–

-!_ z]o/ gfd;f/L u/L lng] tyf z]o/ gfd;f/L u/L lbg] b'j}sf] lgj]bg .
-@_ z]o/ lng] tyf lbg] b'a}sf] gful/stf k|df0f–kqsf] k|ltlnlk .
-#_ z]o/sf] ;Ssn k|df0fkq .
-$_ z]o/ lng] tyf lbg] aLrsf] gftf k|dfl0ft x'g] k|df0fkqsf] k|ltlnlk .

b|i6Jo M k]z u/]sf] k|ltlnlksf] ;Ssn ;d]t lnO{ lgj]bs :jo+ pkl:yt x'g' kg]{5 .

3/fo;L gfd;f/L b:t'/

!= 3/fo;L gfd;f/L b:t'/ jfkt lgIf]k ;b:on] gfd;f/L ul/g] lwtf]kqsf] r'Qmf /sdsf] b'O{
k|ltzt jf Go"gtd ?= b'O{ ;o lng' kg]{5 .
@= pk/f]Qm adf]lhd lgIf]k ;b:on] lnPsf] z'Nssf] @) k|ltzt l;l8P;l;nfO{ a'emfpg' kg]{5 .

86
 
 cg';"rL–@^
-ljlgod % ;Fu ;DalGwt_
l;l8P;l;, lgisfzgstf{ / /lhi6«f/ aLrsf] ;Demf}tf
sf7df08f}+ /lh:6f8{ sfof{no /x]sf] l;l8P; P08 lSnol/Ë lnld6]8 -o;kl5 æl;l8P;l;Æ elgPsf]_
klxnf] kIf / ===== l:yt sfof{no /x]sf]=================== -j}wflgs cl:tTj ePsf] lgsfosf] ljj/0f_
o;kl5 -ælgisfzgstf{Æ elgPsf]_ bf];|f] kIf, / ===== l:yt sfof{no /x]sf]=================== -j}wflgs
cl:tTj ePsf] lgsfosf] ljj/0f_ -o;kl5 æ/lhi6«f/Æ elgPsf]_ t];|f] kIf aLr b]xfosf zt{x? kfngf
ug{ ;xdlt;fy of] ;Demf}tf ul/Psf] 5 .
l;l8P;l;, lgisfzgstf{ / /lhi6«f/n] :jLsf/ u/]sf] cef}ltsLs/0f lwtf]kq /fVg / x:tfGt/0f ug{
;fy} ;xhLs/0f ug{sf] nflu ;Demf}tfkqdf kIf aGg OR5f u/]sf]n] o; ;Demf}tfkqdf cg'alGwt ePsf
5f}+ .
!= ;fdfGo k|fjwfg M
!=!= o; ;Demf}tfdf k|of]u ePsf t/ JofVof gul/Psf sDkgL P]g, @)^#, lwtf]kq ;DaGwL P]g,
@)^#, lwtf]kqsf] s]Gb|Lo lgIf]k ;]jf lgodfjnL, @)^& jf l;l8P;l;sf ljlgodfjnLdf JofVof
ul/Psf] zAbfjnL tyf jfSof+zx¿sf] cy{ plNnlvt P]g lgodfjnL jf ljlglodfjnLcg';f/
x'g]5g\ .
!=@= o; ;Demf}tfdf k|of]u ePsf ælxtu|fxLÆ, ækm5\of}{6 lgsfoÆ, ælgisfzgstf{Æ, æ;b:oÆ, æ/lhi6«f/
jf lwtf]kq x:tfGt/0f k|ltlglwÆ h:tf zAbfjnL tyf jfSofz+x¿n] lwtf]kqsf] s]Gb|Lo lgIf]k
;DaGwL lgodfjnL, @)^& tyf lwtf]kq s]Gb|Lo lgIf]k ;]jf ljlgodfjnL, @)^* df pNn]v eP
adf]lhdsf] cy{ nfUg]5 .
!=#= ;b:osf nflu lwtf]kqsf] s]Gb|Lo lgIf]k ;]jf lgodfjnL @)^& aGwgsf/L x'g]5 / o;} ;Demf}tfdf
pNn]v eP ;/x / o;} ;Demf}tfsf] cËsf ¿kdf l;l8P;l;n] hf/L u/]sf] ljlgodfjNfL tyf
;~rfng lgb]{lzsf Kffng ug{ ;xdt 5g\ .
!=$= lgisfzgstf{ / /lhi6«f/sf] vf/]h x'g'eGbf cufl8 lgisfzgstf{ / /lhi6«f/n] ;DkGg u/]sf,
sfof{Gjog u/]sf, nfu' u/]sf, ;~rfng u/]sf jf To;f] ug{ cfjZos ePsf tyf lgisfzgstf{ /
/lhi6«f/ vf/]h x'Fbfsf] ;dodf afFsL, ck"0f{ jf clgl0f{t /x]sf ;a} ljifox¿, k|ljli6x¿ jf
sf/f]af/x¿;Fu ;DalGwt lghsf pQ/bfloTjx¿sf] ;dfkg ug{ jf kfngsf nflu aGwgsf/L
/lx/xg]5g\ .
!=%= lgisfzgstf{ / /lhi6«f/ ;+nUg /x]sf pQ/bfloTjx¿ ljlgodfjnL / ;~rfng lgb]{lzsfdf ePsf]
pQ/bfloTjx¿df pNn]v x'g 5'6]df pQ/bfloTjaf6 klG5gkfOg] u/L cy{ nufOg]5}g .
@= /sd c;'n pk/ M
lgisfzgstf{n] l;l8P;l;nfO{ ltg'{kg]{] /sd tf]lsPsf] ldltleq a'emfpg' kg{]5 . o;/L tf]lsPsf]
;dodf /sd ga'emfPsf] cj:yfdf l;l8P;l;n] sfg"g adf]lhd c;'n pk/ ug{ ;Sg]5 .

87
 
#= /lhi6«f/ tyf x:tfGt/0f k|ltlglwn] h8fg ug'{kg]{ xf8{j]o/ tyf ;ˆ6j]o/ M
#=!= l;l8P;l;;Fu ;DalGwt sfo{x¿sf nfuL 5'6\ofOPsf] :yfgx¿df ;b:on] l;l8P;l;n] cfjZos
sDKo'6/, lk|G6/, ;~rf/sf pks/0fx¿, / cljl5Gg ljB't k|jfx PsfO, l;:6d ;ˆ6\j]o/ /
tf]lsPcg';f/sf cGo pks/0f xf8{j]o/ tyf ;ˆ6\j]o/ h8fg ug]{5 .
u
#=@=
#=#= dfly pNn]lvt xf8{j]o/ tyf ;ˆ6\j]o/ ;+/rgfnfO{ /lhi6«f/ tyf x:tfGt/0f k|ltlglwn] lglZrt
sDKo'6/ k|f]u|fd (Application  Module) sf nflu dfq k|of]u ug]{5 / olb ToxfF e08f/0f tyf
k|lqmofut Ifdtf a9L ePdf klg To;nfO{ /lhi6«f/ tyf x:tfGt/0f k|ltlglwn] cfˆgf]
sfof{nosf] cGt/k|0ffnL jf ;~rfng nufot cGo s'g} klg sDKo'6/ k|of]udf pkof]u ug]{5}g .
#=$= l;l8P;l;sf] lnlvtcg'dlt lagf /lhi6«f/ tyf x:tfGt/0f k|ltlglwn] cfˆgf] sfof{no cfGtl/s
Jofks If]qsf] ;~hfn (Wide Area Network)df plNnlvt xf8{j]o/ h8fg ug]{5}g .
#=%= xf8{j]o/nfO{ yk36 ug{ abNg, :t/f]Gglt ug{ jf lj:yfkg ug{ nfUg] vr{ /lhi6«f/ tyf
x:tfGt/0f k|ltlglw cfkm}+n] Joxf]g]{5 .
$= cfa4tf / k|0ffnLx¿ M
$=!= /lhi6«f/ tyf x:tfGt/0f k|ltlglw / l;l8P;l;n] Pscfk;df ;~rf/sf] ljB'tLo dfWod lg/Gt/
¿kdf :yfkgf ug]{5g\ .
$=@= lgIf]k;Fu ;DalGwt sfo{;~rfngsf] nflu k|efjsf/L tyf l56f]5l/tf] ¿kdf sf/f]af/ ;Dkfbg
ug{ cfjZos x'gfn] l;l8P;l;n] ;do;dodf /lhi6«f/ tyf x:tfGt/0f k|ltlglwnfO{
;~rfngsf] cfjZos lgb]{zg k|bfg ug]{5 .
$=#= ;b:on] l;l8P;l;sf] /lhi6«f/ tyf x:tfGt/0f k|ltlglw ePsf] gftfn] o;sf] ;~rfng ;DaGwL
l;l8P;l;n] tf]s] adf]lhdsf To:tf k|0ffnL, ljlw, ;~rf/sf ;fwg, ;+/rgf, xf8{j]o/,
;ˆ6j]o/, ;'/Iffsf pks/0fx¿, e08f/0f÷cfwf/ ;'ljwfx¿ (Back‐up  Facilities) cfˆgf] vr{df
vl/b tyf dd{t;Def/ ug]{5 / l;l8P;l;n] ;do;dodf tf]s]cg';f/ ltgLx¿nfO{ :t/f]Gglt jf
lj:yfkg ug]{5 .
$=$= l;l8P;l;n] l;kmfl/; u/]sf] ;a} k|0ffnL tyf sfo{ljlwx¿nfO{ /lhi6«f/ tyf x:tfGt/0f
k|ltlglwn] kfngf ug]{5 / l;l8P;l;n] sfo{ljlwsf] kfngfsf] cfjlws d"NofÍg ug{sf nflu
v6fPsf] sDKo'6/s[t k|0ffnLsf] sfo{;Dkfbg k/LIf0f ug{ ljz]if ;Lk ePsf jf lj1x¿ ePsf]
Ps jf Ps eGbf a9L Joj;foLx¿sf] ;d"x -h;nfO{ æk|0ffnLsf] kl/If0f ug]{ ;d"xÆ eg]/
a'lemG5_ nfO{ cfˆgf]] k|0ffnL ;Ddsf] kx'Fr /lhi6«f/ tyf x:tfGt/0f k|ltlglwn] k|bfg ug]{5 .
%= sfo{;~rfng k|f/Dex'g] ldlt M
l;l8P;l;af6 /lhi6«f/ tyf x:tfGt/0f k|ltlglwnfO{ sfo{ ;~rfng ug{ ;xdlt k|bfg u/]sf]
ldltb]lv sfo{ k|f/De ug]{5 .
^= lgisfzgstf{ / /lhi6«f/n] l;l8P;l;nfO{ pknAw u/fpg'kg]{ ;"rgfx¿ M
^=!= lgisflzt, lwtf]kqsf xsdf lwtf]kq ahf/n] ;"rLs/0f u/]sf] ef]lnkN6} /lhi6«f/n] ;f]sf] sf/f]af/
k|f/De ug{ ;"rLs/0f u/]sf] / cg'dlt lbPsf] kq l;l8P;l; ;dIf a'emfpg]5 .
^=@= /lhi6«f/n] l;l8P;l;nfO{ b]xfoadf]lhd ;"rgfx¿ pknAw u/fpg]5 M
u klxnf] ;+zf]wg, @)^( df x6fO{Psf] .

88
 
 ^=@=!= lgisflzt, lwtf]kqsf xsdf eP;Ddsf xsk|b, af]g;, ;+:yfut nfe nufotsf] v'Ng] /
aGb x'g] ldlt hf/L k"FhL cfsf/, hf/L c+lst d"No, clen]v ul/g] ldlt, btf{ lstfa aGb
x'g] ldlt, cfjXfg kq, cg'kft nufotsf sfuhftsf k|lt,
^=#= lwtf]kq ;"rLs[t ePsf]df s'g} klg lwtf]kq ahf/nfO{ lbPs} lbgdf / cGo lgisfzgstf{n]
cf}krfl/s lg0f{o lnPsf] b'O{ sfo{lbgleq l;l8P;l;nfO{ o:tf] hfgsf/L pknAw u/fpg]5 .
&= l;l8P;l;n] lbg] ljj/0f M
l;l8P;l;n] lxtu|fxLsf] clen]v ;DaGwL ljj/0f, lgisfzgstf{ / /lhi6«f/nfO{ pknAw u/fpg]5 .
*= cef}ltsLs/0f M
*=!= l;l8P;l;n] lgIf]k ;b:ox¿af6 k|fKt u/]sf] cef}ltsLs/0fsf ;a} cg'/f]wx¿ b}lgs ?kdf
ljB'lto dfWodaf6 lgisfzgstf{ / /lhi6«f/nfO{ hgfp lbg]5 .
*=@= cef}ltsLs/0f cg'/f]w kmf/fd ;fy k|fKt lwtf]kqx¿sf] j}wtf tyf ljZj;lgotf k|dfl0ft ug]{
;fydf /lhi6«f/n] k|ydtM k|df0fkq jf cGo sfuhftx¿sf] j}Btf tyf ljZj;lgotf k|dfl0ft ug]{
sfo{ ug]{5 .
*=#= l;l8P;l;dfkm{t ;b:ox¿sf] cef}ltsLs/0f x'gsf nflu lwtf]kqx?;Fu ;DalGwt k|fKt tYofÍ
lgisfzgstf{n] sfod u/]sf] lwtf]kqx¿sf] tYof+s;Fu le8fP/ k|dfl0ft ug]{, cg'dlt lbg] lhDdf
/lhi6«f/sf] x'g]5 .
*=$= cbfnt jf /fhZj ;DaGwL lgsfosf] lg0f{oaf6 x:tfGt/0f x'g lgifw ePsf] cj:yfdf
cef}ltsLs/0f ug]{ 5}g .
*=% /lhi6«f/n] cef}ltsLs/0f cg'/f]wnfO{ ;b/ jf ab/ u/]sf] ;DaGwdf cg'/f]w kmf/d k|fKt u/]sf]
ldltn] & -;ft_ lbg leq l;l8P;l;nfO{ ljB'tLo dfWodaf6 hgfp lbg'kg]{5 .
*=^= lgDglnlvt sf/0fafx]s o; ljlgodfjnL adf]lhd lwtf]kqx¿sf] cef}ltsLs/0fsf] cg'/f]wnfO{
/lhi6«f/n] OGsf/ cyjf c:jLsf/ ug]{5}g M
*=^=!= lwtf]kqsf k|df0fkqx? jf cGo sfuhftx¿ rf]l/Psf], lst]{ hfn;fhL jf gSsn ul/Psf]
kfOPdf M
*=^=@=g]kfn ;/sf/,cbfnt, af]8{ jf cGo s'g} sfg"gL tyf /fh:j ;DaGwL lgsfon] tL
lwtf]kqx¿sf] x:tfGt/0f lgif]w ug]{, cfb]z jf lg0f{o ePdf M
*=^=#= ;Ssn k|df0fkqx¿sf] ;6[fdf k|ltlnlk hf/L ePsf] cj:yfdf klxn]sf] ;Ssn k|df0fkq
k]z ePdf .
*=^=$= af]8{ jf l;l8P;l;n] s'g} lwtf]kq cef}ltsLs/0f gug{ lgb]{zg lbPdf .
*=&= cef}ltsLs/0fsf nflu cfj]bg k]z ul/Psf k|df0fkqx¿ Pj+ sfuhftx¿ ;f] cfj]bg gfd~h'/
ePdf /lhi6«f/n] ;DalGwt ;b:onfO{ sf/0f v'nfO{ lkmtf{ lbg'kg]{5 .
*=*= /lhi6«f/ tyf x:tfGt/0f k|ltlglwn] cef}ltsLs/0fsf nflu k]z ePsf] lwtf]kqsf] cfj]bg k"0f{ jf
cflz+s gfd~h'/ u/]sf] cj:yfdf To:tf] gfd~h'/Lsf] oyfy{ sf/0faf/] ;DalGwt ;b:onfO{
lnlvt¿kdf ;"lrt ug]{5 .
*=(= l;l8P;l;nfO{ k|fKt s'g} klg lwtf]kqx¿sf] cef}ltsLs/0fsf] :jLs[ltsf hgfpx¿ lgisfzgstf{
/ /lhi6«f/x¿sf] sa'lnotåf/f ;dly{t ePsf], lwtf]kqx¿ cl:tTjdf /x]sf], l/tk"j{s lgisfzg

89
 
 ePsf], lgisfzgstf{ / /lhi6«f/;Fu /x]sf] clen]vdf lwtf]kqcg';f/sf] lxtu|fxL hlgPsf] dflgg]5
.
*=!)= lgisfzgstf{ / /lhi6«f/n] e08f/df cef}ltsLs/0f ¿kdf /flvPsf k|To]s International 
Securities  Identification  Number  (ISIN)sf cef}lts jf ef}lts ?kdf /flvPsf lwtf]kqx¿,
lwtf]kq ahf/x¿df ;"rLs[t lwtf]kqx¿ eGbf a9L gx'g] s'/fsf] lglZrt ug'{ kg]{5 . o;sf nflu
lgisfzgstf{ / /lhi6«f/ tyf x:tfGt/0f k|ltlglwn] b}lgs ¿kdf o;sf] ?h' ug]{5g\ .
(= k'gMef}ltsLs/0f M
(=!= cfˆgf lxtu|fxLaf6 k'gMef}ltsLs/0f cg'/f]w kmf/d ;b:oaf6 l;l8P;l;n] ljB'tLo dfWodaf6
hgfp kfPkl5, ;DalGwt lxtu|fxLsf] vftfdf /x]sf] ;fGble{s lwtf]kqx¿sf] df}Hbft b]lvPsf]
k'gMef}ltsLs/0fsf] dfqsf] xb;Dd, tTsfn} /f]Ssf ug]{5 / b}lgs cfwf/df o:tf ;a}
k'gMef}ltsLs/0f cg'/f]wx¿nfO{ /lhi6«f/ ;dIf ljB'tLo ¿kdf hgfp lbg]5 . dfly n]lvPadf]lhd
k'gMef}ltsLs/0fsf] sfd afFsL /xL df}Hbft /f]Ssf e};s]kl5 l;l8P;l;n] To:tf] lwtf]kq vr{ n]Vg
jf cGoyf bfjL lng cg'dlt lbg]5}g .
(=@= ;b:oaf6 k'gMef}ltsLs/0f cg'/f]w kmf/d k|fKt u/]kl5, /lhi6«f/n] cg'/f]w kmf/ddf /x]sf]] ljj/0f /
l;l8P;l;n] sDKo'6/df pknAw u/fPsf] ljj/0f le8fpg]5 / ;f] le8]sf] kfPdf k'gMef}ltsLs/0f
cg'/f]w kmf/d :jLsf/ u/L ;DalGwt ;b:onfO{ hfgsf/L u/fpg]5 / cl:jsf/ ePdf
k'gMef}ltsLs/0f cg'/f]wsf] lwtf]kqsf] k|df0fkq ;DalGwt lxtu|fxLnfO{ lkmtf{ ug{]5 .
!)= lwtf]kqx¿sf] gofF lgisfzg M
/lhi6«f/n] lwtf]kqx¿sf] gof lgisfzg u/]df l;l8P;l;df cef}ltsLs/0f ¿kdf /x]sf
gjlgZsf;g lwtf]kq lng vf]Hg] ;a} lxtu|fxL xsbf/x¿sf] afF8kmfF8 ljj/0f l;l8P;l;nfO{
pknAw u/fpg]5 .
!!= lxtu|fxL xsbf/sf] kl/ro :yflkt gePsf] sfo{ljlw M
kl/ro :yflkt x'g g;Sg] s'g} xsbf/sf] tkm{af6 /lhi6«f/af6 l;l8P;l;nfO{ hgfp k|fKt ePsf]
v08df l;l8P;l;n] To:tf] cg'/f]w sf/0f v'nfO{ gfd~h'/ ug{ ;Sg]5 .
!@= ;+:yfut sfo{ tyf nfex¿
!@=!= l;l8P;l;n] lgisfzgstf{ / /lhi6«f/nfO{ vftf aGb x'g] ldlt jf tf]lsPsf] ldlt;Dddf
lxtu|fxLx¿sf] ;"rLsf ;fy} tt\;DaGwL ljj/0f pknAw u/fpg] 5 . l;l8P;l;n] lgisfzgstf{ /
/lhi6«f/nfO{ pknJw u/fPsf] lxtu|fxL tyf ltgLx¿sf] ;DklQsf] af/]df s'g} c;To jf e|fds
;"rgfsf] sf/0fn] lgisfzgstf{ / /lhi6«f/nfO{ s'g} gf]S;fgL ePdf ;f]sf] Ifltk"lt{ l;l8P;l;n]
lbg]5 .
!@=@= /lhi6«f/n] pNn]lvt lwtf]kqx¿sf] ;Gbe{df vftfaGb x'g] ldlt, btf{ ldltx¿, Aofh jf nfef+z
e'QmfgLsf] ldltx¿, jflif{s ;fwf/0f;ef tyf cGo a}7sx¿sf] ldltx¿, lwtf]kqx¿sf] C0f
ldgfxf jf shf{nfO{ z]o/df abn]sf] ldltx¿, lwtf]kqsf] cjlw k'u]sf] ldltx?, clwsf/ pkef]u
ug]{ ldltx¿, /sd lemsLPsf] ldltx¿, cGo ;+ul7t sfo{sf] ljj/0fx¿ h:t} ufleg', ;lDd>0f jf
lgisfzgstf{sf] k'gM;+/rgf, k'FhL s6f}lt, hl/jfgf, k'gMlgisfzg, k'gM;+/rgf jf ;+:yfkg cflb
Pj+ l;l8P;l;åf/f ;do ;dodf dfu ul/Psf] ;"rgf tyf ljj/0f pknAw u/fpg]5 .
!@=#= l;l8P;l;nfO{ ;Dk"0f{ ;+:yfut sfo{sf] hgfpsf] nflu / o;sf] ;Dk"0f{ ;+:yfut nfef+zx¿sf]
ljt/0fsf] oyfy{tfsf] nflu lgisfzgstf{ / /lhi6«f/ lhDd]jf/ x'g]5g\ . lgisfzgstf{ /

90
 
 /lhi6«f/åf/f l;l8P;l;nfO{ lbOPsf] ;+ul7t nfef+zsf] oyfy{tfsf] nflu ;d]t lgisfzgstf{ /
/lhi6«f/ PSn} lhDd]jf/ x'g]5 . lgisfzgstf{ / /lhi6«f/åf/f l;l8P;l;nfO{ pknAw ePsf] s'g}
;"rgf unt jf c;To ePsf] sf/0fn] l;l8P;l;nfO{ s'g} gf]S;fgL ePdf ;f]sf] Ifltk"lt{
lgisfzgstf{ / /lhi6«f/n] ug]{5 .
!#= cef}ltsLs/0f ;DaGwL ljjfb cflb M
!#=!= lgisfzgstf{ / /lhi6«f/n] ;+:yfut nfe 5'6ØfPsf lwtf]kqx?sf] l;l8P;l;åf/f cef}ltsLs/0f
ul/ lxtu|fxLsf vftfdf hDdf n]lvPsf s'g} klg lwtf]kqsf ;DaGwdf s'g} JolQm jf kIfaf6
p7fg ul/Psf bfjL, dfu jf ljjfb eO{ ltgsf] kl/0ffd:j¿k ePsf kl/0ffdL bfloTjx¿
lgisfzgstf{ / /lhi6«f/sf] ;+o'Qm pQ/bfloTj x'g]5g\ .
!#=@= k'gMef}ltsLs/0f cg'/f]w kmf/ddf ePsf q'l6 jf e"nr'snfO{ 5f8]/, k'gMef}ltsLs/0f ul/Psf s'g}
klg lwtf]kqsf ;DaGwdf s'g} JolQm jf kIfaf6 p7fg ul/Psf bfjL, dfu jf ljjfb ltgsf]
kl/0ffd:j¿k ePsf kl/0ffdL bfloTjx¿ lgisfzgstf{ / /lhi6«f/sf] ;+o'Qm pQ/bfloTj x'g]5g\.
!#=#= g]kfn ;/sf/, cbfnt, af]8{ jf cGo s'g} sfg"g adf]lhdsf Goflos lgsfoaf6 ePsf cfb]z
lj?¢ lgisfzgstf{ / /lhi6«f/n] cef}ltsLs/0f jf k'gMef}ltsLs/0fsf cg'dlt lbPsf sf/0faf6
lxtu|fxLnfO{ k'Ug uPsf] Iflt lgisfzgstf{ / /lhi6«f/n] el/e/fp ug'{ kg]{5 .
!$= clen]vsf] ?h' M
/lhi6«f/n] lgisfzg ePsf, sf/f]af/ ePsf nufotsf lwtf]kqx¿sf] ?h' b}lgs ¿kdf ug{]5 .
!%= l;l8P;l;åf/f lg/LIf0f M
lgisfzgstf{ / /lhi6«f/sf] ;Dk"0f{ sf/f]af/x¿;Fu ;DalGwt ;'ljwfx¿, k|0ffnLx¿, btf{x¿ /
vftfx¿ l;l8P;l;sf] tkm{af6 clwsf/k|fKt JolQm dfkm{t lgl/If0f ug]{ xs x'g]5 / To:tf]
clwsf/k|fKt JolQmnfO{ sfof{no ;~rfng x'g] s'g} klg lbgdf lgoldt sfdsf] ;dofjlwdf
pgLx?sf] If]qleq k|j]z ug]{ cg'dlt lbg]5g\ / ;'ljwfx¿, k|0ffnLx¿, btf{x¿ / lstfax¿ x]g]{
k|ltlnlk ptfg]{ cg'dlt lbg]5 .
!^= lgisfzgstf{åf/f l;l8P;l;nfO{ tTsfn hgfp lbg] cj:yfx¿ M
!^=! lgisfzgstf{n] l;l8P;l;nfO{ t'?Gt ;"lrt ug]{5 M
!^=!=!= s'g} cbfntdf lgisfzgstf{sf] lj37gsf] nflu lgj]bg k/]df jf lgisfzgstf{sf]
lj37gsf] k|:tfj kfl/t ePdf,
!^=!=@= lgisfzgstf{sf] ufleg], ;lDd>0f x'g] jf k'gM;+/rgfsf] vfsf th'{df ePdf,
!^=!=#= 6f6 pN6g], aGb x'g] jf ;DklQ /f]Ssf x'g] s'g} b/vf:t jf lgj]bg k|:t't x'g] ;Defjgf
ePdf,
!^=!=$= sfg"gL jf /fh:j ;DaGwL lgsfoåf/f s'g} s/x¿, eG;f/ b:t'/x¿, lt/f], hl/jfgf,
dxz"n e'QmfgLsf] nflu lgisfzgstf{ jf p;sf] ;DklQ dfly s'g} sf/jfxL u/fpg]
k|lqmofsf] af/]df hfgsf/L ePdf,
!^=!=%= ljQLo cj:yfx¿sf] kl/jt{g eO{ 6f6 pN6g] jf lj37g x'g] jf C0fbftfx¿;Fu hl6ntf
pTkGg x'g] ePdf,
!^=!=^= lgisfzgstf{n] lg:sf;g u/]sf lwtf]kqx¿ ;"rLs[t ePsf] jf sf/f]af/sf] cg'dlt
kfPsf] lwtf]kq ahf/af6 pQm lwtf]kqx¿sf] :yug ug]{ jf ;"rLaf6 x6fpg] s'g} ;"rgf
k|fKt ePdf,

91
 
 !^=!=&= lgisfzgstf{ pk/sf] s'g} 36gf jf kl/l:yltaf6 Joj;flos lgjf{x jf cl:tTj jf o;
;Demf}tf adf]lhdsf] p;sf] bfloTj kl/kfng ug]{ Ifdtfdf tflTjs c;/ kfg]{ ;DaGwdf
hfgsf/L ePdf,
!^=!=*= lgisfzgstf{n] hf/L u/]sf] s'g} lwtf]kq Pj+ z]o/ k"FhLdf s'g} yk36 ePdf .
!&= /lhi6«f/åf/f l;l8P;l;nfO{ tTsfn hgfp lbg] cj:yfx¿ M
!&=! /lhi6«f/n] l;l8P;l;nfO{ t'?Gt ;"lrt ug]{5 M
!&=!=!= /lhi6«f/ lgoldt lgsfo jf ;+ul7t ;+:yf /x]sf]df o;sf] lj36gsf nflu lgj]bg :jLsf/
u/]df jf lnlSj8]6/sf] lgo'lQm ePdf jf lj36g k|:tfj :jLs[t ePdf,
!&=!=@= /lhi6«f/sf] PsLs/0f jf k'g/{rgfsf] s'g} of]hgf th'{df ePdf,
!&=!=#= /lhi6«f/sf] bfdf;fxL, 6f6kN6]df jf lnlSj8];g jf ;DklQ afF8r'F8sf nflu s'g} lgj]bg
k|:t'ltsf] hfgsf/L cfPdf,
!&=!=$= bfdf;fxL jf lj36g jf o;sf ;fx"x¿ ;+/rgf:j¿k k|efljt x'g ;Sg] u/L o;sf]
cfly{s cj:yfx¿df s'g} kl/jt{g cfPdf,
!&=!=%= ;DklQx¿sf ;DaGwdf lnlSj8]6/ lgo'lQmsf] k|:tfj ljrf/ ug{ s'g} a}7s af]nfOPdf jf
lghsf] sfd ug]{ Ifdtfdf ef}lts ¿kn] c;/ kfg{ ;Sg] u/L kl/l:yltdf s'g} kl/jt{g
cfPdf,
!&=!=^ b}lgs ¿kn] df}Hbft le8fpg] k|lqmofdf s'g} df}Hbft gle8]sf] k|ltj]bg cfPdf .
!*= cflwsfl/s k|ltlglw M
lgisfzgstf{ / /lhi6«f/n] of] ;Demf}tfkqsf] sfof{Gjog;Fu} l;l8P;l;;dIf cfkm"n] clVtof/
k|bfg u/]sf kbflwsf/Lx¿sf] ;"rL k]; ug]{5g\ h;n] l;l8P;l;;dIf lghsf] lxtsf] k|ltlglwTj
ug]{5g\ . To:tf] ;"rLdf ul/Psf] yk, 36 jf x]/km]/ l;l8P;l;nfO{ hfgsf/L u/fpg]5 .
!(= uf]kgLotf M
!(=!= o;sf kIfx¿n] o; ;Demf}tfkqcGtu{tsf bfloTj ;Dkfbg ug]{ l;nl;nfdf v'nfpg'kg]{ jf uf]Ko
/fVg'kg]{ jf ljlgodfjnLcGtu{t s'g} klg kIfn] t];|f] kIfnfO{ v'nf;f ug{ gx'g] ;d]tsf s'/f uf]Ko
/fVg' kg]{5 . t/ k|fljlws tyf Jofkfl/s ;"rgfx¿ s9fOk"j{s uf]Ko /fVg]5g\ .
!(=@= kIfx? sfg"gadf]lhdsf] bfloTj k"/f ug{sf nflu cfˆgf] clwsf/sf] k|rngsf nflu jf lxt
;+/If0fsf nflu g]kfn ;/sf/, cbfnt, af]8{ jf sfg"gn] clwsf/ lbPsf] s'g} klg lgofds jf
/fh:j clwsf/Lsf] lnlvt cfb]z jf dfusf] ljj/0f, kmfF6jf/L, jf ;"rgf pknAw u/fpg jf
v'nf;f ug{ :jtGq x'g]5 . t/ plNnlvt To:tf] ;"rgfsf] pknAwtf jf v'nf;fn] s'g} klg kIfn]
csf]{ kIf;Fu /x]sf ljj/0f, kmfF6jf/L jf ;"rgfsf] uf]Kotf pknAw u/fpg jf v'nf;f u/fpg
kfpg]5}g .
@) 7]ufgf kl/jt{g M
lgisfzgstf{ / /lhi6«f/n] ltgsf sfof{no, /lh:68{ sfof{nosf] k|:tfljt :yfgkl/jt{g ;fy}
sDKo'6/s[t clen]v, e08f/0f ;'ljwf / l;l8P;l;;Fusf] ;~rf/sf] Joj:yfkgsf pks/0f /x]sf]
xftfsf] :yfgsf] s'g} kl/jt{g x'g] ePdf sDtLdf To:tf] kl/jt{gsf] #) -tL;_ lbg k"j{
l;l8P;l;nfO{ hfgsf/L u/fpg'kg]{5 .

92
 
@!= e08f/0f ;'ljwf M
@!=!= /lhi6«f/n] l;l8P;l;n] l;kmfl/; u/]cg';f/sf] e08f/0f sfo{ljlw s9fOsf ;fy nfu" ug'{kg]{5 .
/lhi6«f/n] ug'{kg]{ sDKo'6/ k|0ffnLsf] e08f/0f ;'ljwfsf] cBfjlws gu/]sf] sfo{af6 x'g uPsf] s'g}
klg Iflt jf xfgL jf sdhf]/Lsf nflu l;l8P;l; hjfkmb]xL x'g]5}g .
@!=@= l;l8P;l;n] v6fPsf] JolQmnfO{ /lhi6«f/n] lghsf] e08f/0f ;'ljwf;Ddsf] kx'Frsf nflu cg'dlt
lbg]5 / l;l8P;l;nfO{ rflxPcg';f/sf] plNnlvt ;'ljwfdf kfng ul/Psf] k|ltj]bg pknAw
u/fpg]5 .
@@= lxtu|fxLsf] u'0ff;f] / ph'/sf] pkrf/ M
lgisfzgstf{ / /lhi6«f/n] lxtu|fxLsf] s'g} klg u'0ff;f] jf ph'/ ePdf ;dfwfg ug'{kg]{5 /
u'0ff;f] jf ph'/ k|fKt ePsf] #) -tL;_ lbgleq ljlgodfjnL / ;~rfng lgb]{lzsfn] tf]s]sf]
tl/sf ckgfO{ ;dfwfg u/L l;l8P;l;nfO{ ;f] af/] hfgsf/L lbg'kg]{5 .
@#= k|Tofof]hgdf k|ltaGw M
l;l8P;l;sf] lnlvt k"j{;xdlt glnO{ /lhi6«f/n] of] ;Demf}tfkq cGtu{tsf sfo{, clwsf/ jf
bfloTjx¿ s'g} kIf jf JolQmnfO{ x:tfGt/0f ug]{ jf k|Tofof]lht ug]{5}g .
@$= ;+o'Qm bfloTj M
l;l8Pl;, lgisfzgstf{ / /lhi6«f/aLrsf] ;Demf}tfdf h];'s} n]lvPsf] eP tfklg, o; ;Demf}tfkq
/ ljlgodfjnL tyf ;~rfng lgb]{lzsf cGtu{tsf ;a} bfloTjx¿sf] ;Gbe{df l;l8P;l;, o;sf
;b:o / lxtu|fxLk|lt lgisfzgstf{ / /lhi6«f/ ;+o'Qm ¿kdf pQ/bfoL /xg]5g\ .
@%= vf/]h M
@%=!= k|:tfljt vf/]hsf] #) -tL;_ lbg cufj} k"j{;"rgf l;l8P;l;nfO{ glbO{ / lgisfzgstf{n] csf]{
/lhi6«f/ jf x:tfGt/0f k|ltlglwsf] ;Demf}tf jf plNnlvt lwtf]kqsf ;DaGwdf ljlgodfjnLn]
tf]s]cg';f/ l;l8P;l;;dIf låkIfLo ;Demf}tf gu/Lsg plNnlvt lwtf]kqsf ;DaGwdf ;Demf}tf
jf aGbf]a:tsf ljifo lgisfzgstf{ / /lhi6«f/ vf/]h ug{ ;Sg]5}gg\ .
@%=@= l;l8P;l;nfO{ /lhi6«f/n] P]g, lgodfjnL, ljlgodfjnL jf ;~rfng lgb]{lzsf jf o;
;Demf}tfkqdf /x]sf s'g} klg ;t{aGb]hsf] alv{nfk sfd u/]sf] jf cGoyf o;n] l;l8P;l;sf]
qmda4 sfdsfhsf nflu cg's"n gx'g] tl/sfn] cfkm"nfO{ ;~rflnt u/]sf] 7fg]df h'g;'s} a]nf of]
;Demf}tfkq vf/]h ug{ ;Sg]5 . To;f] ePdf l;l8P;l;n] /lhi6«f/nfO{ vf/]hsf] tL; lbg] ;"rgf
lbg]5 / lgisfzgstf{nfO{ klg csf]{ /lh:6f/ jf x:tfGt/0f k|ltlglw;Fu ;dfg lsl;dsf] lqkIfLo
;Demf}tf u/fpg jf #) -tL;_ lbgsf] plNnlvt cjlw e'Qmfg x'g'cufj} b'O{ kIfLo ;Demf}tf ug]{
;"rgf lbg]5 .
@%=#= of] ;Demf}tfkq dfly pNn]v ePadf]lhd vf/]h ePdf, ;Demf}tfkq hf/L /x]sf] ;dodf /lhi6«f/n]
;f] x}l;otdf sfd ubf{ jf lghsf To;kl5sf sfo{af6 pTkGg s'g} klg sf/jfxL, sf/f]af/ jf
sfdsf/jfxLaf6 eP u/]sf /lhi6«f/n] l;l8P;l;;Fu k"/f ug'{kg]{ d"ne"t bfloTjx¿ k"/f ug'{kg]{5 .
t/, /lhi6«f/n] To:tf d"ne"t bfloTj k"/f ug{ g;s]df To:tf bfloTjx¿ lgisfzgstf{n] k"/f
ug]{5 .
@%=$= l;l8P;l; jf /lhi6«f/af6 of] ;Demf}tfsf] vf/]h u/]tfklg, o; ;Demf}tfkqsf Joj:yf /
To;af6 pTkGg kf/:kl/s clwsf/ tyf bfloTjx¿, To:tf] vf/]h;Fu gaflemP;Dd, ;Demf}tf

93
 
 k|efjsf/L /x]sf cjlwsf ;a} sfo{, lnvt, ;Dkflbt sfo{ / sf/f]af/ kIfx¿nfO{ aGwgsf/L
/xg]5g\ .
@^= xhf{gf M
@^=!= lgisfzgstf{ / /lhi6«f/n] lwtf]kq lgisfzgstf{sf tkm{af6 P]g, lgod, ljlgodfjnL / ;~rfng
lgb]{lzsfsf] pNn+3gdf sd{rf/L, Ph]G6 jf cGoyf s'g} sfo{ lnvt af6 ePsf] s'g} klg
nfk/jfxLaf6 l;l8P;l;nfO{ x'g uPsf ;a} Iflt, xfgL, gf]S;fgL jf ;a} bfjL dfu, d'2f,
sf/jfxL, cGo h'g;'s} sfo{k|lqmofsf ;DalGwt ;a} nfut, b:t'/ tyf vr{nufot l;l8P;l;sf]
xfgL/lxt ;'/Iffsf] xhf{gf lbg]5 . o; k|of]hgsf nflu lghsf clws[t, sd{rf/L, Ph]G6af6 ePsf
dg;fok"j{s jf cGoyf h] ePklg ;Dk"0f{ s[tsfo{ -sfo{ jf csfo{_ nfO{ lgisfzgstf{n] u/]sf]
s[tsfo{ -sfo{ jf csfo{_ dflgg]5 . lgisfzgstf{ / /lhi6«f/sf] nfk/jfxLaf6 lxtu|fxLnfO{ Iflt
jf gf]S;fgL ePdf l;l8P;l;n], cfjZos b]v]df, cGo s'/fsf cltl/Qm l;l8P;l;;dIf /x]sf
s'g} klg lwtf]kqsf] ldnfg jf afF8kmfF8åf/f, ;j{k|yd To:tf] Iflt jf gf]S;fgLnfO{ k'lt{ u/fpg]5 /
ePsf] Iflt lgisfzgstf{ / /lhi6«f/af6 pk/ ul/lng]5 .
@^=@= l;l8P;l;n] cfkm" jf cfˆgf clwsf/L, sd{rf/Lsf sfo{af6 P]g, lgod, ljlgodfjnL / ;~rfng
lgb]{lzsfsf] pNn+3g jf unt k|:t'lt jf hfn;fFhL, df:g], l;l8P;l;sf] lgisfzgstf{k|ltsf]
bfloTj k"/f gu/]sf jf ;]jfsf] s'g} klg sldsdhf]/Laf6 lgisfzgstf{ / /lhi6«f/nfO{ x'g uPsf
;a} Iflt, xfgL, gf]S;fgL jf bfjL, cGo h'g;s} sfo{k|lqmof;Fu ;DalGwt b:t'/ tyf vr{
lgisfzgstf{ / /lhi6«f/nfO{ xhf{gf lbg]5 .
@&= sfa'aflx/sf] kl/l:ylt M
o; ;Demf}tf jf ljlgodfjnLdf h'g;'s} s'/f n]lvPsf] eP tfklg cfFwL, af9L, r6\ofª, e"FO{rfnf],
cfunfuL, lj:kmf]6g jf b}jL 36gf, o'4, ljb|f]x, qmflGt, x'nb+uf, lgif]wf1f, gfsfaGbL, cj/f]w, b+uf,
gful/s snx, x8\tfn, tfnfaGbL, alxisf/, s'g} pkof]uL ;]jfdf cj/f]wh:tf dhb'/ sf/jfxL jf
czflGt, zq'sf] sf/jfxL cfk/flws if8oGq, cft+ssf/Lsf] ultljlw jf tf]8kmf]8, ljWj+z, cgfxs
k|j]z jf k|ltsf/ ug{ g;lsg] cGo s''g} zlQm jf afWotfnufot sfa' jf lgoGq0faflx/sf
36gfåf/f o; ;Demf}tfcGtu{tsf] bfloTjdf s'g} sfo{ ;Dkfbg gu/]sf], ljnDa u/]sf] jf pNn+3g
ePsf]df s'g} Ps kIfnfO{ x'g uPsf] xfgLgf]S;fgL, Iflt jf Ifltk"lt{ lbg csf]{ kIf pQ/bfoL
x'g]5}g .
@*= hgfp
o; ;Demf}tfcg';f/ lbOg cfjZos x'g] s'g} klg hgfp jf ;~rf/ lnlvt ¿kdf / k|fkssf]
xfn;fnsf] 7]ufgfdf gk7fP;Dd aGwgsf/L x'g]5}g .
@(= k|efj/lxttfsf] xb
of] ;Demf}tfsf] s'g} klg k|fjwfg s'g} cbfnt jf lgodgsf/L lgsfon] u}/sfg"gL, k|efjz"Go jf
nfu" ug{ g;lsg] egL 7x/ u/]df jf s'g} sfg"gsf] ;+zf]wg, ;"rgf jf Goflos lg0f{osf sf/0fn]
z"Go jf nfu" ug{ g;lsg] agfOPdf o; ;Demf}tfdf x'g'kg]{ ;Dej eP;Dd ;Demf}tfsf cGo
k|fjwfgx¿ km]/abn gu/L To:tf] k|fjwfg lgliqmo jf k|efj/lxt x'g]5g\ . t/ ;f] s'/fn]
;Demf}tfsf afFsL k|fjwfgx¿nfO{ c;/ ug]{5}gg\ .

94
 
#)= af]8{af6 ePsf ;+zf]wg jf x]/km]/ aGwgsf/L x'g]
af]8{af6 o; ;Demf}tfdf ul/Psf yk36, x]/km]/, kl/dfh{g, ;+zf]wg jf ltgpk/sf s'g} k|fjwfg
o;sf kIfsf nflu aGwgsf/L x'g]5g\ .
#!= kl/Tofu ug{ gkfpg]
s'g} klg kIfn] o; ;Demf}tfcGtu{t ePsf jf sfg"gdf /x]sf s'g} klg clwsf/ jf pkrf/ lnlvt
¿kdf sfof{Gjog u/]afx]s kl/Tofu ug{, 5f8\g jf cnlUug kfpg]5}gg / kIfx¿ To:tf clwsf/
jf pkrf/ k|of]u gug{ jf ljnDa ug{] s'/fn] To;sf] kl/Tofu u/]sf] s'/f jf o; ;Demf}tfsf] t];|f]
kIfn] u/]sf] s'g} sfo{ljlw, pNn3g kl/Tofu lqmofzLn x'g]5}g ;fy} o; ;Demf}tfcGtut jf cGo
sfg"gcGtu{t pknAw clwsf/, ljz]ifflwsf/ jf pkrf/sf] Ps jf cf+lzs k|rng klg x'g]5}g jf
;fdfGotof o:tf ;a} clwsf/, zlQm, ljz]ifflwsf/ jf pkfox¿ Pscsf{df cg]s / ;~roL eP/
:jLsfl/Psf x'g]5}gg\ . s'gk} lg kIfn] o; ;Demf}tf cGt{ut ePsf / sfg"g;Fu gaflemg] lnlvt
?kdf ;+zf]wg gu/L o;sf k|fjwfg k/Tofu ug{ kfpg] 5}gg\ .
#@= cg'zf;g / sf/jfxL
kIfx¿sf aLrdf pTkGg x'g ;Sg] ljjfb tyf leGgtfsf ;DaGwdf ljlgodfnLdf tf]lsPcg';f/sf]
dWo:ytf ;ldlt ;DaGwL k|fjwfgx¿sf] kIfx¿n] kfngf ug'{kg]{5 .
##= lgodgsf/L efiff
o; ;Demf}tfkqsf] ljifoj:t'sf ;DaGwdf kIfx¿sf aLrdf sfof{Gjog x'g] ;a} lnvt, sfuhft
tyf n]vfO / cfbfgk|bfg ul/g] kqfrf/ g]kfnL efiffdf x'g]5g\ h'g kIfx¿aLrsf] lgodgsf/L
efiff x'g]5 .
#$= lgodgsf/L sfg"g
of] ;Demf}tf g]kfnsf] k|rlnt sfg"gåf/f lgodg tyf JofVof x'g]5 .
#%= ;Demf}tfsf] sfof{Gjog
of] ;Demf}tfsf] sfof{Gjog o;sf] ;Ssn k|ltaf6 ul/g]5 h'g o;sf kIfx¿;Fu /xg]5g\ .

;Demf}tfsf k|yd kIf ;Demf}tfsf bf];|f] kIf ;Demf}tfsf t];|f] kIf

l;l8P;l;sf] tkm{af6 lgisfzgstf{sf] tkm{af6 /lhi6«f/sf] tkm{af6 clVtof/
clVtof/ k|fKt JolQmsf] gfdM clVtof/ k|fKt JolQmsf] gfdM k|fKt JolQmsf] gfdM
b:tvt M b:tvt M b:tvt M
sDkgLsf] 5fkM sDkgLsf] 5fkM sDkgLsf] 5fkM

;fIfL ;fIfL ;fIfL

!= ============================== != ============================== != ==============================

O{lt ;+Djt ============ ;fn =============== dlxgf ============ ut] /f]h========== z'ed\ .

95
 
 cg';"rL – @&
-ljlgod @$ ;Fu ;DalGwt_
##
k'gM ef}ltsLs/0f ul/Psf] z]o/ k|df0fkq÷ef}lts z]o/ k|df0fkq÷a08
====================== lnld6]8 sDkgL

k|df0fkq

k|df0fkq g+=M

=========================== lhNnf ===================== g=kf=÷uf=lj=;= j8f g+= ======================= >L

======================= sf gftL >L ===================== sf 5f]/f >L =============================== n] o;
sDkgLsf] k|lt z]o/ ?= ====== b/sf] hDdf ========== lsQf ;fwf/0f z]o/÷cu|flwsf/ z]o/ vl/b u/L
;f] afkt x'g cfpg] ?= =========================================================.– e'QmfgL u/]sf]n] lghsf] gfddf
lgisfzg ul/Psf] z]o/÷cef}lts z]o/÷a08 l;l8P; P08 lSnol/Ë lnld6]8af6 ;b:otf k|fKt
=============================== lgIf]k ;b:o dfkm{t\ cef}ltsLs/0f ul/Psf] x'Fbf pQm z]o/÷cef}lts
z]o/÷a08sf] df}Hbft 36fO{ k'gM ef}ltsLs/0f u/L of] k|df0fkq lbOPsf] 5 .

k|df0fkq wgLsf] sDkgLsf]

b:tvt M cflwsf/Ls b:tvt M
gfd, y/ M kb M
ldlt M ldlt M

## bf];|f] ;+zf]wg, @)&# cg';f/ yk ul/Psf] .

96