Prospectus RBBL Debenture 2083

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” cGtu{t :yfkgf eO{ @)^# ;fn a}zfv ^ ut]

lnld6]8 sDkgLsf] ?kdf k|rlnt sDkgL sfg"g adf]lhd ;+:yflkt eO{ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhd g]kfn /fi6« a}+saf6
Ohfht k|fKt u/L “s” ju{sf] Ohfhtkq k|fKt ;+:yfsf] ?kdf a}+lsË sf/f]jf/ ub}{ cfPsf] >L /fli6«o jfl0fHo a}+s lnld6]8
sf7df08f}+ dxfgu/kflnsf j8f g+ !!, l;+xb/jf/Knfhf, sf7df8f}+, g]kfn

kmf]g g+= ))(&&–!–$@%@%(%, ˆofS; g+= ))(&&–!–$@%@(#!
Email: rbb.info@rbb.com.np, URL: www.rbb.com.np
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-lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt_
^ aif{ cjlw tyf jflif{s *=%) k|ltzt Aofhb/ ePsf] “8.5% RBBL Debenture, 2083” sf]
æljj/0fkqÆ
^ aif{ cjlw tyf jflif{s *=%) k|ltzt Aofhb/ ePsf “8.5% RBBL Debenture, 2083” gfds k|lt C0fkq ?=!)))÷- c+lst d"Nosf @%
nfv lsQfn] x'g cfpg] ?=@ ca{ %) s/f]8 a/fa/sf] C0fkq dWo] ^) k|ltzt cyf{t !% nfv lsQfn] x'g cfpg] s"n ?= ! ca{ %) s/f]8 C0f
k"FhL /sd JolQmut tj/ (Private Placement) af6 laqmL ul/g] tyf $) k|ltzt cyf{t !) nfv lsQfn] x'g cfpg] s'n ?=! ca{ C0f k"FhL
/sd a/fa/ -;f] dWo] % k|ltzt cyf{t %),))) lsQf C0fkq ;fd'lxs nufgL sf]ifsf nflu 5'§ofPsf] ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu
;fj{hlgs lgisfzgaf6 C0fkq laqmL ul/g] .
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jf:tljs k|If]lkt**
ljj/0f cfly{s jif{ cfly{s jif{
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k|lt z]o/ g]6jy{ -?=_ @!$ @$! @%^=#^ @&#=!! @&&=*$ @*@=*^
k|lt z]o/ cfDbfgL -?=_ $@=#( %*=!^ $*=&& $%=^@ $%=&) $%=&&
;+lrt gfkmf gf]S;fg - ?= xhf/df _ -#&,!%,##)_ !*,)^,)*% *,!%,)*% #*,%!,^&^ $%,%#,&!& %$,%&,((%
b/vf:t ;fy k|lt C0fkq ?=!)))÷—sf] b/n] -zt\ k|ltzt_ e'QmfgL dfu ul/Psf] .
nufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f M lwtf]kqdf ul/g] nufgLdf hf]lvd x'g] ePsf]n] To:tf] hf]lvdsf] d"NofÍg ug]{ k|d'v bfloTj nufgLstf{
:jo+sf] x'g]5 / lwtf]kqsf] lgisfzg d"Non] ;"rLs/0f kZrft lwtf]kq ahf/df x'g] sf/f]jf/ d"No ghgfpg] x'Fbf o; ljj/0fkqsf] bkmf u * df
pNn]lvt hf]lvdx? ;d]tsf] cWoog u/]/ dfq nufgL ;DaGwL lg0f{o lng ;'emfj ul/G5 .
lgofds lgsfosf] hjfkmb]lxtf g/xg] pb\3f]if0f M ;fj{hlgs lgisfzg dfkm{t pNn]lvt lwtf]kq laqmL ug{sf] nflu tof/ ul/Psf] o;
ljj/0fkqnfO{ lwtf]kq ;DaGwL sfg'g adf]lhd g]kfn lwtf]kq af]8{n] :jLs[lt k|bfg u/]sf] 5 . o;/L af]8{n] ljj/0fkq :jLs[lt k|bfg u/]sf]
sf/0faf6 s;}n] klg g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no jf ;Da4 cGo lgodg lgsfon] ljj/0fkqdf pNn]lvt s'/fsf] ;Totf jf
lgisfzgstf{ jf kl/of]hgfsf] cfly{s ;Ifdtfsf] af/]df s'g} k|sf/sf] k|Tofe"t u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g .
o; a}+snfO{ CARE Rating Nepal Limited n] "[CARE-NP A+ (Is)] "[Pronounced as CARE NP Single A Plus (Issuer)] /]l6Ë k|bfg
u/]sf] 5 . pQm qm]l86 /]l6Ë k|fKt ;+:yfnfO{ ;dodfg} ljQLo bfloTj k"/f ug]{ ;Gbe{df kof{Kt dfqfdf ;'/Iff k|bfg ug]{ -Institution that provide
adequate degree of safety regarding timely servicing of financial obligation) ;+:yfsf] ?kdf lnOG5 .
/]l6Ë k|bfg u/]sf] ldlt M cfiff9 !$, @)&& . /]l6Ë axfn /xg] cjlw M cfiff9 !#, @)&* ;Dd .
;fy} o; a+}sn] hf/L ug{ nfu]sf] ^ jif{ cjlw tyf *=%) k|ltzt Aofhb/ ePsf] “8.5% RBBL Debenture, 2083” gfds C0fkqnfO{ s]o/
/]l6Ë g]kfn lnld6]8n] ldlt !$ c;f/ @)&& df Go"g shf{ hf]lvd hgfpg] "[CARE-NP A+] "(Pronounced as CARE NP Single A Plus)
/]l6Ë k|bfg u/]sf] 5 .
o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq a}+ssf] ;DklQ ;'/If0f g/fvL lgisfzg ul/Psf] c;'/lIft C0f (Unsecured Debt)ePsf] /
sy+sbflrt\ a}+s 6f6 klN6Pdf cGo ;'/lIft ;fx' lgIf]kstf{ eGbf kl5 dfq e'QmfgLdf k|fyldstf x'g] u/L lgisfzg ul/Psf] ;xfos C0f
(Subordinated Debt) ePsf] x'Fbf k|rlnt sfg"gn] k|bfg u/]sf] afx]s a}+ssf] ;DklQdf C0fkqjfnfsf] s'g} lglb{i6 xs (Specific Charge)
clwsf/ x'g] 5}g . o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkqjfnfsf] a}+ssf] ;DklQdf l4tLo xs x'g]5 / a}+s la36g ePsf] cj:yfdf
C0fkqsf] e'QmfgL ;'/lIft ;fx' / lgIf]kstf{ eGbf kl5 dfq x'g]5 .
g]kfn lwtf]kq af]8{af6 ljj/0fkq :jLs[t ePsf] ldlt M @)&*÷)!÷@@ lgisfzg v'Nnf x'g] ldlt M @)&*÷)@÷@%
sDkgL /lhi6«f/sf] sfof{nodf ljj/0fkq btf{ ePsf] ldlt M @)&*÷)@÷!# lgisfzg aGb x'g] ldlt-l56f]df_ M @)&*÷)@÷@*
g]kfn /fi6« a}+sdf ljj/0fkq btf{ ePsf] ldlt M @)&*÷)!÷@& lgisfzg aGb x'g] ldlt -l9nf]df_ M @)&*÷)#÷)*
g]kfn lwtf]kq af]8{af6 :jLs[t ljj/0fkq lgisfzg tyf laqmL k|aGws, lgisfzgstf{ sDkgLsf] website: www.rbb.com.np ;fy} g]kfn
lwtf]kq af]8{sf] website: www.sebon.gov.np af6 ;d]t x]g{ ;lsg]5 .
v= != ljj/0fkqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M
s_ æljj/0fkqÆ eGgfn] lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt ljj/0fx? ePsf]
k'l:tsfnfO{ ;Demg' kb{5 .
v_ ælwtf]kq lgisfzg tyf laqmL k|aGwsÆ eGgfn] PgcfO{laPn P; Soflk6n lnld6]8nfO{ ;Demg' kb{5 .
u_ æsDkgL÷a}+sÆ eGgfn] lgisfzgstf{ sDkgL /fli6«o Jffl0fHo a}+s lnld6]8nfO{ ;Demg' kb{5 .
3_ æ;+sng s]Gb|Æ eGgfn] ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] ljj/0fkq / b/vf:t kmf/d k|fKt ug{ ;lsg] tyf b/vf:t kmf/d ;fy
/sd a'emfpg ;lsg] u/L tf]lsPsf ;+:yfnfO{ ;Demg' kb{5 .
ª_ ælgisfzg a}+sÆ eGgfn] ;fj{hlgs lgisfzgaf6 ;+sng x'g cfPsf] /sdnfO{ hDdf ug{sf] nflu tf]lsPsf] a}+sx?nfO{ ;Demg' kb{5 .
r_ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no tyf g]kfn /fi6« a}+snfO{ ;Demg' kb{5.
5_ æ;+:yfks, ;+rfns, sfo{sf/L k|d'v tyf Joj:yfkgÆ eGgfn] /fli6«o jfl0fHo a}+s lnld6]8sf ;+:yfks, ;+rfns, k|d'v sfo{sf/L
clws[t tyf Joj:yfksLo txsf sd{rf/LnfO{ ;Demg' kb{5 .
h_ æaf]8{Æ eGgfn] lwtf]kq ;DaGwL P]g, @)^# sf] bkmf # adf]lhd :yfkgf ePsf] g]kfn lwtf]kq af]8{nfO{ ;Demg' kb{5 .
em_ æcfwf/e't z]o/wgLÆ eGgfn] a}+ssf] r'Qmf k"FhLsf] ! k|ltzt jf ;f] eGbf a9L z]o/ wf/0f u/]sf] z]o/wgLnfO{ ;Demg' kb{5 .
v=@= ljj/0fkq tyf b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M
l;=g+= ljj/0fkq k|fKt ug]{ :yfgsf] gfd / 7]ufgf
!= PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}+ / j]j;fO6 Mwww.niblcapital.com
@= /fli6«o jfl0fHo a}+s lnld6]8, l;+xb/af/ Knfhf, sf7df08f}+ tyf a}+ssf] ;Dk"0f{ zfvf sfof{nox? / j]j;fO6 M www.rbb.com.np
l;=g+= b/vf:t kmf/fd k|fKt ug]{ / a'emfpg] :yfg
!= g]kfn lwtf]kq af]8{af6 Ohfhtkq k|fKt ;L–cf:jf (C-ASBA) ;]jfdf ;xefuL a}+s tyf ljQLo ;+:yfx? tyf ltgsf tf]lsPsf zfvf
sfof{nox? .
@= JolQmut tj/ (Private Placement) af6 ;+ul7t ;+:yfx?nfO{ laqmL ul/g] C0fkq lgisfzg tyf laqmL k|aGws / lgisfzgstf{
sDkgLsf] cfk;L ;xdltdf vl/bstf{x? vf]hL u/L laqmL ljt/0f ul/g] 5 .
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u=!=lwtf]kq lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M
xfdLnfO{ /fli6«o Jffl0fHo a}+s lnld6]8 tyf o;sf ;+:yfks÷;+rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf] cfwf/df To;
;+:yfsf] Joj:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf] ;fy} ljj/0fkqdf n]lvPsf cfly{s
ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;xL b]lvPsf]n] nufgLstf{x?nfO{ nufgL ;DaGwL lg0f{o lng d2t k'Ug] s'/fk|lt ljZj:t eO{
xfdLn] of] ljj/0fkq :jLs[ltsf nflu g]kfn lwtf]kq af]8{df ælwtf]kq ;DaGwL P]g, @)^#Æ tyf ælwtf]kq btf{ tyf lgisfzg
lgodfjnL,@)&#Æ cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq (Due Diligence Certificate)k|:t't u/]sf 5f}+ .
u=@=;+ul7t ;+:yfsf] pb\3f]if0f M
s=;+rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M
of] ljj/0fkq xfdLn] k'g/fjnf]sg u/L cg'df]bg u/]sf] x'gfn] o; ljj/0fkqdf pNn]v ul/Psf ljj/0f tyf hfgsf/Lx?sf ;fy}
lgisfzg tyf laqmL k|aGwsnfO{ lbPsf] ljQLo ljj/0f, cGo ljj/0f, hfgsf/L tyf sfuhftx?sf ;Totf / z'4tf k|lt / lwtf]kq btf{
tyf lgisfzg cg'dlt k|of]hgsf nflu g]kfn lwtf]kq af]8{df k]z ul/Psf] ljj/0fkq / ;f] ;Fu ;DalGwt cGo ljj/0f tyf
hfgsf/Lx?sf] z'4tf tyf ;Totfk|lt o; ljj/0fkqdf x:tfIf/ ug]{ xfdL ;+rfnsx? JolQmut jf ;fd'lxs ?kdf hjfkmb]lxtf axg
ub{5f}+ / lwtf]kq lgisfzgsf nflu tf]lsPsf zt{ tyf cfjZostfx?sf] ;DaGwdf cfjZos hfgsf/L lnO{ xfdL pb\3f]if0f ub{5f}+ ls
tf]lsPsf zt{ tyf cfjZostfx? ;a} kfngf u/]sf 5'÷5f}+ / nufgLstf{x?nfO{ nufgL ;DaGwL ;';"lrt lg0f{o lng cfjZos s'g}
ljj/0f, ;"rgf tyf hfgsf/Lx? n'sfPsf 5}gf}+ .
v=;+ul7t ;+:yfsf] hjfkmb]lxtf ;DaGwL pb\3f]if0f M
o; /fli6«o Jffl0fHo a}+s lnld6]8n] k|sflzt u/]sf] ljj/0fkq, ;fj{hlgs k|:tfj, lj1fkg jf cGo s'g} ;"rgfdf pNn]v ePsf ljj/0fx?
afx]s ;+ul7t ;+:yfsf] af/]df k|sflzt cGo s'g} ;"rgf jf hfgsf/Lsf] hjfkmb]lxtf ;+ul7t ;+:yfdf g/xg] / To:tf] ;"rgf, hfgsf/L jf
ljj/0fsf] cfwf/df nufgL u/]df ;f] sf] hf]lvd nufgLstf{ :jo+n] axg ug'{kg]{5 .
u= lgodg lgsfosf] lgodg Joj:yfsf] kfngf ;DaGwL pb\3f]if0f M
k|rlnt sfg"g cg';f/ cfkm\gf] pBf]u÷Joj;fo÷;]jf;Fu ;DalGwt lgodg lgsfo -h:t}M sDkgL /lhi6«f/sf] sfof{no, g]kfn /fi6« a}+s
cflb_ sf] ;fj{hlgs lgisfzg tyf cGo lgodg Joj:yf tyf lgb]{zgx?sf] kfngf u/]sf] s'/fsf] pb\3f]if0f ub{ 5f}+ . ;fy} ;fj{lhgs
lgisfzg k|of]hgsf] nflu tof/ ul/Psf] ljj/0fkq / ;f] df pNn]lvt ;Demf}tf jf cGo ljj/0fx? g]kfn lwtf]kq af]8{, g]kfn :6s
PS;r]Gh lnld6]8 tyf c? lgodgsf/L lgsfox?df k]z u/]sf 5f}+ .
3=;+:yfks, ;+rfns tyf sfo{sf/L k|d'v ;DaGwL pb\3f]if0f M
-s_ o; a}+ssf] ;+:yfks, ;+rfns jf sfo{sf/L k|d'v shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf /xg' ePsf] 5}g .
-v_ o; a}+ssf] ;+rfns jf sfo{sf/L k|d'v sfnf] ;"rLdf /x]sf] cGo ;+ul7t ;+:yfdf ;+rfns jf sfo{sf/L k|d'v /xg' ePsf] 5}g .
-u_ ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0faf6 k"FhL ;+sng u/L a]kQf ePsf jf ;+rfngdf g/x]sf jf nufgLstf{x?sf] lxt ljk/Lt x'g]
sfo{ u/]sf] ;+ul7t ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v o; sDkgLsf] ;+rfns jf sfo{sf/L k|d'v /xg' ePsf] 5}g .
-3_ lwtf]kq ;DaGwL sfg"g ljk/Lt sfo{ u/]sf] sf/0f lwtf]kq ahf/ jf lwtf]kq Joj;foLsf] cg'dltkq vf/]h ePsf] bz jif{ k"/f
gePsf] ;+ul7t ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v o; sDkgLsf] ;+rfns jf sfo{sf/L k|d'v /xg' ePsf] 5}g .
-ª_ o; a}+ssf] ;+rfns jf sfo{sf/L k|d'v lwtf]kq ;DaGwL P]gsf] bkmf !)* adf]lhd cof]Uo /xg' ePsf] 5}g .
u=#=;+ul7t ;+:yf ;DaGwL hfgsf/L M
-s_ ;+ul7t ;+:yfsf] k[i7e'dL
-!_ ;+:yfsf] gfd M/fli6«o jfl0fHo a}+s lnld6]8 (Rastriya Banijya Bank Limited)
-@_ s'g P]g cGtu{t :yflkt ePsf] ;f] s'/fM
ldlt @)@@ ;fn df3 !) ut] ljz]if P]g “/fli6«o jfl0fHo a}+s P]g, @)@!_ cGtu{t :yfkgf eO{ jfl0fHo a}+s P]g, @)#! adf]lhd
;+rfng x'b} cfPsf]df ldlt @)^# ;fn a}zfv ^ ut] lnld6]8 sDkgLsf] ?kdf k|rlnt sDkgL P]g cGtu{t :yflkt .
-#_ ;+:yfsf] /lhi68{ 7]ufgfM
o; a}+ssf] /lhi68{ -s]Gb|Lo_ sfof{no afudtL c~rn, sf7df8f}+ lhNnf, sf7df8f}+ dxfgu/kflnsf, j8f g+=!!, l;+xb/af/Knfhf
sf7df8f}+df /x]sf] 5 .
-$_ sf/f]jf/ ug]{ d"Vo :yfg M
o; a}+sn] g]kfn /fi6« a}+saf6 :jLs[t ePcg';f/ g]kfn leq b]xfosf :yfgx?af6 zfvf dfkm{t cfkm\gf] sf/f]af/ ;+rfng ub}{
cfPsf] 5 M
k|b]z g+ 1
s|=;+ zfvfsf] gfd lhNnf zfvf /x]sf] :yfgLo &]ufgf
1 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, w/fg ;"g;/L w/fg pk dxfgu/kflnsf j*f g+=2, /Tg/f]*
2 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, O{g?jf ;"g;/L Og?jf gu/kflnsf j*f g+=1, Og?jfrf]s
3 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, b"xjL ;"g;/L b"xaL gu/kflnsf j*f g+=6, b"xaL
4 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, O^x/L ;"g;/L O^x/L pk dxfgu/kflnsf j*f g+=6, O^x/Lrf]s
5 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, kfgaf/L ;"g;/L w/fg pk dxfgu/kflnsf j*f g+=6, kfgaf/L
6 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, r}gk"/ ;+v"jf;ef r}gk"/ gu/kflnsf j*f g+=6, larahf/
7 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, vf+bjf/L ;+v"jf;ef vf+baf/L gu/kflnsf j*f g+=1, vf+bjf/L
8 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ;Nn]/L ;f]n"v"Da" ;f]n" b"ws")* gu/kflnsf j*f g+=5, ;Nn]/L
3
9 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, gfDr]jhf/ ;f]n"v"Da" v"Da" kf;fé nfd" uf¤pkflnsf j*f g+=5, gfDr]ahf/
10 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, g]rfljlxaf/] ;f]n"v"Da" g]rf;Nofg uf¤pkflnsf j*f g+=3, g]rflalxjf/]
11 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, n"Snf ;f]n"v"Da" v"Da" kf;fé nfd" uf¤pkflnsf j*f g+=2, n"Snf
12 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, cf]vn("+uf cf]vn("+uf l;l¢r/)f gu/kflnsf j*f g+=11, /fdahf/
13 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, dfg]e~Hofé cf]vn("+uf dfg]e~Hofé uf¤pkflnsf j*f g+=5, dfg]e~Hofé
14 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lj/f^gu/ df]/é la/f^gu/ dxfgu/kflnsf j*f g+=12, d]g/f]*
15 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, s^x/L df]/é s^x/L uf¤pkflnsf j*f g+=3, s^x/L
16 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, j/uf%L df]/é la/f^gu/ dxfgu/kflnsf j*f g+=4, a/uf%L
17 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, jo/jg df]/é sfg]kf]v/L uf¤pkflnsf j*f g+=4, ao/jg
18 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, a]njf/L df]/é a]njf/L gu/kflnsf j*f g+=1, a]njf/L
19 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, n]^fé df]/é n]^fé gu/kflnsf j*f g+=4, n]^fé
20 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, dw"dNnf df]/é ldsnfh"é uf¤pkflnsf j*f g+=9, dw"dNnf
21 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, sl{{;{of ahf/ df]/é wgkfnyfg uf¤pkflnsf j*f g+=4, sl;{of ahf/
22 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ky/L df]/é ky/L ;lg;r/] gu/kflnsf j*f g+=1, ky/L
23 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, l;h"jfjhf/ df]/é /t"jfdfO{ gu/kflnsf j*f g+=7, l;h"jfahf/
24 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, pnf{jf/L df]/é pnf{jf/L gu/kflnsf j*f g+=7, O{^x/L /f]*
25 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, b]jsf]^f rf]s df]/é la/f^gu/ dxfgu/kflnsf j*f g+=7, b]asf]^frf]s
26 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ;"=a=lj/f^gu/ df]/é la/f^gu/ dxfgu/kflnsf j*f g+=15, /fgL
27 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, dx]Gb|rf}s df]/é la/f^gu/ dxfgu/kflnsf j*f g+=11, dx]Gb|rf]s
28 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ef]hk"/ ef]hk"/ ef]hk"/ gu/kflnsf j*f g+=7 a}+s /f]*
29 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lbénf ef]hk"/ if*fgGb gu/kflnsf j*f g+=4 lbénfahf/
30 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, bds emfkf bds gu/kflnsf j*f g+=6, bdsahf/
31 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lzju~h emfkf lzj;tf;L gu/kflnsf j*f g+=6, lzju~hahf/
32 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, eb|k"/ emfkf eb|k"/ gu/kflnsf j*f g+=8, P;= lk=df]*
33 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, rsrsL emfkf afXbf;L uf¤pkflnsf j*f g+=4, rsrsL ahf/
34 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, emfkfjhf/ emfkf emfkf uf¤pkflnsf j*f g+=2, emfkfahf/
35 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ljtf{df]* emfkf ljtf{df]* gu/kflnsf j*f g+=4, cb"jfvf]nf
36 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lkmlbd kf¤ry/ lkmlbd gu/kflnsf j*f g+=1, lkmlbd
37 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, kz"kltgu/ O{nfd ;"of]{bo gu/kflnsf j*f g+= 2, kz"kltgu/
38 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, Onfdjhf/ O{nfd O{nfd gu/kflnsf j*f g+=7, gljg rf]s
39 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lkmSsn Onfd ;"o{bo gu/kflnsf j*f g+=10, lkmSsn
40 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, s^f/L pbok"/ s^f/L gu/kflnsf j*f g+=3, s^f/L
41 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ufO{#f^ pbok"/ lqo"uf gu/kflnsf j*f g+=11, a}+s/f]*
42 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, j]N^f/ pbok"/ rf}bG*Lu(L gu/kflnsf j*f g+=7, a]N^f/
43 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, a;Gtk"/ t]x|y"d nfnLu"/f; gu/kflnsf j*f g+=2, a;Gtk"/
44 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, xfékfé tfKn]h"é cf&/fO{ lqa])fL uf¤pkflnsf j*f g+=3, xfékfé
lbSt]n ?kfsf]^ dem"jfu(L gu/kflnsf j*f g+=1, a}+s
45 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lbQm]n vf]^fé
rf]s
46 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, P]+;]n"vs{ vf]^fé P]+;]n"vs{ uf¤pkflnsf j*f g+=3 P]+;]n"vs{
47 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, vf]^fñjhf/ vf]^fé vf]^]xfé uf¤pkflnsf j*f g+=7, vf]^féahf/
48 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, aflS;nf vf]^fé s]]lknf;u(L uf¤pkflnsf j*f g+=,4 aflS;nf
49 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, wgs"^f wgs"^f wgs"^f gu/kflnsf j*f g+=6, 52 (f]sf
50 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lxn] wgs"^f wgs"^f gu/kflnsf j*f g+=1, t"Dafrf]s
51 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, hLtk"/ wgs"^f dxfnIdL gu/kflnsf j*f g+= 7, hLtk"/
k|b]z g+= 2
4
52 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, uf}/ /f}tx^ uf}/ gu/kflnsf j*f g+=8 cbfnt/f]*
53 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, u?*fjhf/ /f}tx^ u?*f gu/kflnsf j*f g+=2 u?*fahf/
54 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, df}nfk"/ /f}tx^ df}nfk"/ gu/kflnsf j*f g+=5 df}nfk"/
55 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, Ozgfy /f}tx^ Ozgfy uf¤pkflnsf j*f g+=2 Ozgfy
56 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, rGb|k"/ /f}tx^ rGb|k"/ gu/kflnsf j*f g+=4, rk"/
57 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, /fhlj/fh ;Kt/L /fhlj/fh gu/kflnsf j*f g+=7 uh]Gb|rf]s
xg"dfggu/ s+sfnLgL gu/kflnsf j*f g+=9
58 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, xg"dfggu/ ;Kt/L
xg"dfggu/
59 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, s&f}gf ;Kt/L zDe"gfy gu/kflnsf j*f g+=6 s&f}gf
60 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, nfnjGbL ;nf{xL nfnaGbL gu/kflnsf j*f g+=7 nfnaGbL
61 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, j/xyjf ;nf{xL j/xyjf gu/kflnsf j*f g+=7 j/xyjf
62 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, an/f ;nf{xL an/f gu/kflnsf j*f g+=4, an/f
63 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, l;d/f af/f lhtk"/ l;d/f pk dxfgu/kflnsf j*f g+=2, l;d/f
64 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, sn}of af/f sn}of pk dxfgu/kflnsf j*f g+=6, ahf/^f]n
65 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lghu( af/f lghu( gu/kflnsf j*f g+=8, ;lxbrf]s
66 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, u+hejfgLk"/ af/f dxfu(LdfO{ gu/kflnsf j*f g+=3, u+hejfgLk"/
67 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, hn]Zj/ dxf]Q/L hn]Zj/ gu/kflnsf j*f g+=2, hn]Zj/
68 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, anjf ahf/ dxf]Q/L anjf gu/kflnsf j*f g+=6, anjfahf/
69 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lkk/f dxf]Q/L lkk/f uf¤pkflnsf j*f g+=4, lkk/fahf/
70 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, jlb{jf; dxf]Q/L alb{jf; gu/kflnsf j*f g+=1, alb{jf;
71 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lj/u~h k;f{ la/u~h pk dxfgu/kflnsf j*f g+=10 cfb{zgu/
72 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, >Lk"/ k;f{ la/u~h pk dxfgu/kflnsf j*f g+=13 >Lk"/
73 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, kf]v/Lof k;f{ kf]v/Lof gu/kflnsf j*f g+=4, kf]v/Lof
74 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ;"j)f{k"/ k;f{ &f]/L uf¤pkflnsf j*f g+=5 ;"j)f{k"/
75 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, l;/fxf l;/fxf l;/fxf gu/kflnsf j*f g+=3 dxflj/rf]s
76 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ldr}{of l;/fxf ldr}{of gu/kflnsf j*f g+=6 ldr}{of
77 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, nfxfg l;/fxf nfxfg gu/kflnsf j*f g+=3 yfgfrf]s
78 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ;"lvk"/ l;/fxf ;"lvk"/ uf¤pkflnsf j*f g+=8 ;"lvk"/
79 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, hgsk"/ wg"iff hgsk"/ pk dxfgu/kflnsf j*f g+=2, efg"rf]s
80 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, wg"iff dx]Gb|gu/ wg"iff l%/]Zj/ gu/kflnsf j*f g+=1, dx]Gb|gu/
81 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, hb"sf]xf wg"iff ;lxbgu/ gu/kflnsf j*f g+=3, hb"sf]xf
82 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lk*f/Lrf]s wg"iff hgsk"/ pk dxfgu/kflnsf j*f g+=8 lk*f/Lrf]s
jfudtL k|b]z
83 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, sflnsf:yfg /;"jf sflnsf uf¤pkflnsf j*f g+=2 sflnsf:yfg
84 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, /fd]%fk /fd]%fk /fd]%fk gu/kflnsf j*f g+=8 larahf/
85 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ;f+#"^f/ /fd]%fk /fd]%fk gu/kflnsf j*f g+=3 ;f+#"^f/
86 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, &f];] /fd]%fk /fd]%fk uf¤pkflnsf j*f g+=2 uf]s"nu+uf
87 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, dGynL /fd]%fk dGynL gu/kflnsf j*f g+=1 dGynL
88 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, rl/sf]^ bf]nvf led]Zj/ gu/kflnsf j*f g+=10 ;ftbf]af^f]
89 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ledkm]bL dsjfgk"/ ledkm]bL uf¤pkflnsf j*f g+=6 ledkm]bL
90 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, x]^f}+*f dsjfgk"/ x]^f}*f pk dxfgu/kflnsf j*f g+=10 d]g/f]*
91 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, l&dL eQmk"/ dWok"/ gu/kflnsf j*f g+=7 axfvfahf/
92 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ;"o{ljgfos eQmk"/ ;"o{ljgfos gu/kflnsf j*f g+=8 ;"'o{ljgfosrf]s
5
93 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ;fgf]l&dL eQmk"/ dWok"/ gu/kflnsf j*f g+=17 ;fg]l&dL
94 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, v/fgL^f/ g"jfsf]^ ^f*L uf¤pkflnsf j*f g+=3 v/fgL^f/
95 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ljb"/ g"jfsf]^ lab"/ gu/kflnsf j*f g+=4 lab"/
96 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, hnlj/] l;Gw"kfnrf]s an]kmL uf¤pkflnsf j*f g+=1 hnlj/]
97 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, l;Gw"nL l;Gw"nL sdnfdfO{ gu/kflnsf j*f g+=6, 2 g+= ahf/
98 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, /ftfdf^f l;Gw"nL ;"gsf]zL uf¤pkflnsf j*f g+=3 emfufemf]nL
99 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, slknfsf]^ l;Gw"nL d/Lg uf¤pkflnsf j*f g+=6 slknfsf]^
100 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ledfg l;Gw"nL sdnfdfO{ gu/kflnsf j*f g+=9 ledfg
101 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, e/tk"/ lrtjg e/tk"/ dxfgu/kflnsf j*f g+=10 rf}la;sf]&L
102 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, k;f{(fk lrtjg e/tk"/ dxfgu/kflnsf j*f g+=27 k;f{(fk
103 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, gf/fo)fu( lrtjg e/tk"/ dxfgu/kflnsf j*f g+=4 k"nrf]s
104 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, /Tggu/ lrtjg /Tggu/ gu/kflnsf j*f g+=1 as"nf/
105 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, nlntk"/ nlntk"/ nlntk"/ dxfgu/kflnsf j*f g+=19 nugv]n
106 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, k"Nrf]s nlntk"/ nlntk"/ dxfgu/kflnsf j*f g+=3 k"nrf]s
107 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, n"e" nlntk"/ dxfnIdL gu/kflnsf j*f g+=8 n"e"
108 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, e};]kf^L nlntk"/ nlntk"/ dxfgu/kflnsf j*f g+=18 e};]kf^L
109 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, sf&df)*f}+ sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=22 lazfnahf/
110 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, &d]n sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=26 &d]n
111 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, k"tln;*s sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=29 k"tnL;*s
sf&df*f}+ dxfgu/kflnsf j*f g+=3 gf/fo)fuf]kfn
112 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, dxf/fhu~h sf&df)*f}+
rf]s
113 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, gS;fn sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=5 ^+ufn
114 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lslt{k"/ sf&df)*f}+ lslt{k"/ gu/kflnsf j*f g+=9 gof+ahf/
115 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, afnfh" sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=16 afnfh"
116 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, kmlk{é sf&df)*f}+ blIf)fsfnL gu/kflnsf j*f g+=6 kmlk{éahf/
117 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, uf}zfnf sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=9 alQ;k"tnL
118 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ef]^flxl^ sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=27 hdn
119 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, afg]Zj/ sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=10 gof+ afg]Zj/
120 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, yfkfynL sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=11 yfkfynL
121 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, d}ltb]jL sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=29 d}ltb]jL
122 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, a"(flgns)& sf&df)*f}+ a"(flgns)& gu/kflnsf j*f g+=3 gf/fo)f:yfg
123 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lq=c=ljdfg:yn sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=9 lq=c=ljdfg:yn
124 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ^]s" sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=12 ^]s"
125 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, sn+sL sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=14 sn+sL
126 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, skf]{/]^ sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=11 l;+xb/jf/
127 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, b/jf/dfu{ sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=1 b/jf/dfu{
128 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, jf}$ sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=6 af}¢
129 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, sf]^]Zj/ sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=32 sf]^]Zj/
130 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ^f]vf sf&df)*f}+ ^f]vf gu/kflnsf j*f g+=7 lu|gNof)*
131 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, l;xb/jf/ kl/;/ sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=30 l;+xb/jf/ kl/;/
132 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, :joDe" sf&df)*f}+ sf&df*f}+ dxfgu/kflnsf j*f g+=15, :joDe"
133 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, w"lnv]n sfe|] w"lnv]n gu/kflnsf j*f g+=4 ld/fanrf]s
134 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, es")*]j]+;L sfe|] gdf]a"¢ gu/kflnsf j*f g+=7 es")*]a];L
135 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, jg]kf sfe|] ag]kf gu/kflnsf j*f g+=7 ag]kf
136 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, wflbé Wflbé lgns)& gu/kflnsf j*f g+=3 larahf/
137 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, uh"/L Wfflbé uh"/L uf¤pkflnsf j*f g+=1 uh"/Lahf/
6
138 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, vflgvf]nf Wfflbé w"lga];L gu/kflnsf j*f g+=7 vfgLvf]nf
139 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, dn]v" Wfflbé a]lg#f^ /fO{/é uf¤pkflnsf j*f g+=3 dn]v"
140 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, g]qfjtL Wfflbé g]qfjtL uf¤pkflnsf j*f g+=3 wflbé
u)*sL k|b]z
141 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, uNoféjhf/ :ofªhf uNofé gu/kflnsf j*f g+=3 dflyNnf] uNofé
142 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ch"{grf}kf/L :ofªhf ch{"grf}kf/L uf¤pkflnsf j*f g+=1 tNnf]ahf/
143 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, :ofªhfjhf/ :ofªhf k"tnLahf/ gu/kflnsf j*f g+=3 d:hLtrf]s
144 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, afUn"éjhf/ afUn"é jfUn"é gu/kflnsf j*f g+=2 wf}nflu/Lrf]s
145 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, z]/fahf/ afUn"é h}ldlg gu/kflnsf j*f g+=1 z]/fahf/
146 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, d":tfé d":tfé #/fkhf]é uf¤pkflnsf j*f g+=3 hf]d;f]é
147 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, dgfé dgfé Gof;ofé uf¤pkflnsf j*f g+=4 dgfé
148 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, a]gLjhf/ DofUbL a]gL gu/kflnsf j*f g+=8 a]gLahf/
149 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lqj])fL gjnk"/ ljgo lqj])fL uf¤pkflnsf j*f g+=6 lqj])fL
150 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ^fuLsf]^ gjnk"/ b]jr"nL gu/kflnsf j*f g+=16 ^f+uLsf]^
151 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, sfjf;f]tL gjnk"/ sfjf;f]tL gu/kflnsf j*f g+=2 sfjf;f]tL ahf/
152 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, u}*fsf]^ gjnk"/ u}*fsf]^ gu/kflnsf j*f g+=2 lazfngu/
153 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, n"+v" b]p/fnL kj{t dxfl;nf uf¤pkflnsf j*f g+=5 n"+v"b]p/fnL
154 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, s"Zdf kj{t s":df gu/kflnsf j*f g+=5 k|ult^f]n
155 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, kfltrf}/ kj{t df]bL uf¤pkflnsf j*f g+=2 kfltrf}/
156 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, kmn]jf; kj{t kmn]af; gu/kflnsf j*f g+=5 vfgLuf¤p
157 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, a];Lzx/ nDh"é a];Lzx/ gu/kflnsf j*f g+=7 led;]g:yfg
158 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, k[YjLrf]s sf:sL kf]v/f n]vgfy dxfgu/kflnsf j*f g+=8 k[YjLrf]s
159 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, dx]Gb|k"n sf:sL kf]v/f n]vgfy dxfgu/kflnsf j*f g+=4 dx]Gb|k"n
160 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, tfnrf]s sf:sL kf]v/f n]vgfy dxfgu/kflnsf j*f g+=27 tfnrf]s
kf]v/f n]vgfy dxfgu/kflnsf j*f g+=10
161 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, cd/l;+xrf]s sf:sL
cd/l;+xrf]s
162 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, kfbL{ sf:sL kf]v/f n]vgfy dxfgu/kflnsf j*f g+=17 kfbL{
163 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, n]s;fO* sf:sL kf]v/f n]vgfy dxfgu/kflnsf j*f g+=6 n]s;fO*
164 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, cf+a"v}/]gL tgx" cfj"v}/]gL uf¤pkflnsf j*f g+=3 cfj"v}/]gL
165 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, bdf}nL tgx" Aof; gu/kflnsf j*f g+=3 ;kmf ;*s
166 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, v}/]gL^f/ tgx" ;"Snfu)*sL gu/kflnsf j*f g+=6 v}/]gL^f/
167 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, uf]/vf uf]/vf uf]/vf gu/kflnsf j*f g+=6 a}+s/f]*
168 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, cf?#f^ uf]/vf cf?#f^ uf¤pkflnsf j*f g+=9 cf?#f^ahf/
169 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, eRr]s uf]/vf clh/sf]^ uf¤pkflnsf j*f g+=3 eRr]s
n"lDagL k|b]z
170 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, xf]n]/L /f]Nkf ?G^Lu(L uf¤pkflnsf j*f g+=2 xf]n]/L
171 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, e}/xjf ?kGb]xL l;¢fy{gu/ gu/kflnsf j*f g+=5 d}qLky
172 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, a"^jn v:of}nL ?kGb]xL a"^jn pk dxfgu/kflnsf j*f g+=6 ^«fkmLsrf]s
173 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ;"/hk"/f ?kGb]xL u}*fxjf uf¤pkflnsf j*f g+=6 ;"/hk"/f
174 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, /fdgu/jhf/ ?kGb]xL a"^jn pk dxfgu/kflnsf j*f g+=9 /fhdfu{ rf}/fxf
175 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, sf]^Lxjf ?kGb]xL ltnf]tdf gu/kflnsf j*f g+=20 sf]^Lxjf
176 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ;"=a= e}/xjf ?kGb]xL l;¢fy{gu/ gu/kflnsf j*f g+=1 a]xnLof eG;f/
177 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ?s"dsf]^ ?s"dk"j{ l;:g] uf¤pkflnsf j*f g+=6 ?s"dsf]^
7
178 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, u"nl/of abL{of u"nl/of gu/kflnsf j*f g+=6 lhk|frf]s
179 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, e"l/uf+p abL{of &fs"/afaf gu/kflnsf j*f g+=1 e"/Luf¤p
180 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, af;u(L abL{of af;u(L gu/kflnsf j*f g+=5 af;u(L ahf/
181 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, g]kfnu~h af¤s] g]kfnu~h pk dxfgu/kflnsf j*f g+=11 wDaf]hL
182 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lqe"jgrf]s af¤s] g]kfnu~h pk dxfgu/kflnsf j*f g+=8 lqe"jgrf]s
183 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, sf]xnk"/ af¤s] sf]xnk"/ gu/kflnsf j*f g+=11 sf]xnk"/
184 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, vh"/f af¤s] vh"/f uf¤pkflnsf j*f g+=3 vh"/fahf/
185 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, t"N;Lk"/ bf+ª t"N;Lk"/ pk dxfgu/kflnsf j*f g+=6 sfof{no nfO{g
186 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ndxL bf+ª ndxL gu/kflnsf j*f g+=5 ndxL
187 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, gf/fo)fk"/ bf+ª #f]/fxL pk dxfgu/kflnsf j*f g+=10 gf/fo)fk"/
188 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, #f]/fxL bf+ª #f]/fxL pk dxfgu/kflnsf j*f g+=15 #f]/fxL
189 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ;GwLvs{ c#f{vfrL ;lGwv{s gu/kflnsf j*f g+=1 ;lGwv{s
190 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, &f*f c#f{vfrL l;tu+uf gu/kflnsf j*f g+=3 &f*f
191 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, k/f;L gjnk/f;L /fdu|fd gu/kflnsf j*f g+=3 a}+s /f]*
192 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, jb{#f^ gjnk/f;L ab{#f^ gu/kflnsf j*f g+=4 ab{#f^
193 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ;"gjn gjnk/f;L ;"gjn gu/kflnsf j*f g+=4 ;"gjn
194 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, kfNkf kfNKff tfg;]g gu/kflnsf j*f g+=4 dvg^f]n
195 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, cfo{e~Hofé kfNKff afUgf;sfnL uf¤pkflnsf j*f g+=3 cfo{e~Hofé
196 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, xfyf]{s kfNKff l/A*Lsf]^ uf¤pkflnsf j*f g+=3 xfyf]{s
197 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, /fdk"/ kfNKff /fdk"/ gu/kflnsf j*f g+=5 larahf/
198 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ljh"jf/ Ko'&fg Ko"&fg gu/kflnsf j*f g+=4 lah"jf/
199 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, tf}lnxjf slkna:t" slkna:t" gu/kflnsf j*f g+=3 n"lDagL /f]*
200 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, rGb|f}^f slkna:t" lze/fh gu/kflnsf j*f g+=8 rGb|f}^f
201 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, jf)fu+uf slkna:t" af)fu+uf gu/kflnsf j*f g+=4 lhtk"/
202 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, u"NdL u"NdL /];"éf gu/kflnsf j*f g+=1 ledrf]s
203 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, l/*Lahf/ u"NdL ?? uf¤pkflnsf j*f g+=1 l/*L
204 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, k"tL{#f^ u"NdL sfnLu)*sL uf¤pkflnsf j*f g+=4 k"tL{#f^
205 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, /f]Nkf /f]Nkf /f]Nkf gu/kflnsf j*f g=+ 4 lnofé,
s)ff{nL k|b]z
206 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, d"*\s]r"nf *f]Nkf d"*s]r"nf uf¤pkflnsf j*f g+=4 d"*s]r"nf
207 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, %fsf{tfé;f]é *f]Nkf %fsf{tfé;f]é uf¤pkflnsf j*f g+=4 sfssf]^
208 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, *f]Nkf] j"$ *f]Nkf *f]Nkf] j"$ uf¤pkflnsf j*f g+=1 wf]
209 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, b"g} *f]Nkf &"lne]/L gu/kflnsf j*f g+=3 b"g}
210 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ;"v]{t ;"v]{t jL/]Gb|gu/ gu/kflnsf j*f g+=6 tNnf]ahf/
211 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, d]xns"gf ;"v]{t u"ef{sf]^ gu/kflnsf j*f g+=8 d]xns"gf
212 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, jL/]Gb|gu/ ;"v]{t jL/]Gb|gu/ gu/kflnsf j*f g+=6 jL/]Gb|rf]s
213 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, n"xfd ;Nofg lqj]gL uf¤pkflnsf j*f g+=6 n"xfd
214 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ljBfk"/ ;Nofg kGrk"/L gu/kflnsf j*f g+=9 ljBfk"/
215 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, rf}/hxf/L ?s"d klZrd rf}/hxf/L gu/kflnsf j*f g+=1 #f/Luf¤p
216 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, b}n]v b}n]v gf/fo)f gu/kflnsf j*f g+=10 b}n]v
217 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, b"Nn" b}n]v b"Nn" gu/kflnsf j*f g+=7 s[ltvDjf
218 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, d"u" d"u" %fofgfy gu/kflnsf j*f g+=2 udu(L
219 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ;f]? d"u" ;f]? uf¤pkflnsf j*f g+=6 ;f]?sf]^
220 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, d"u"d sfdf{/f]é d"u" d"u"d sfdf{/f]é uf¤pkflnsf j*f g+=6
8
221 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, h"Dnf h"Dnf rGbggfy gu/kflnsf j*f g+=5 vn+uf
222 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, hfh/sf]^ hfh/sf]^ e]/L gu/kflnsf j*f g+=4 u}/LvfnL
223 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, dfGd sflnsf]^ vG*rqm gu/kflnsf j*f g+=1 dfGd
224 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, l;dLsf]^ x"Dnf l;dLsf]^ uf¤pkflnsf j*f g+=5 l;dLsf]^
;"b'/klZrd k|b]z
s|=;+ lhNnf zfvf /x]sf] :yfgLo &]ufgf
225 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, **]nw"/f **]nw"/f cd/u(L gu/kflnsf j*f g+=5 afuahf/
226 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, *f]^L *f]^L lbkfon l;nu(L gu/kflnsf j*f g+=6 l;nu(L
227 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lbkfon *f]^L lbkfon l;nu(L gu/kflnsf j*f g+=7 lkKnfahf/
228 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, a}t*L a}t*L bz/yrGb gu/kflnsf j*f g+=4 uf]&fnfkfgL
229 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, aemfª aemfª ho k[YjL gu/kflnsf j*f g+=10 r}gk"/
230 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, di^f aemfª di^f uf¤pkflnsf j*f g+=3 di^f
231 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, bfr{"nf bfr{"nf dxfsfnL gu/kflnsf j*f g+=4 vn+uf
232 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, jonkf^f cf%fd ;f¤km]au/ gu/kflnsf j*f g+=8 aonkf^f
233 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, d+un;]g cf%fd d+un;]g gu/kflnsf j*f g+=5 d+un;]g
234 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, jfh"/f jfh"/f a(Ldflnsf gu/kflnsf j*f g+=10 dflnsf^f]n
235 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, sf]N^L jfh"/f a"lwgGbf gu/kflnsf j*f g+=2 sf]N^L
236 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ehgL s}nfnL ehgL gu/kflnsf j*f g+=1 ehgL
237 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, wgu(L s}nfnL wgu(L pk dxfgu/kflnsf j*f g+=3 wgu(L rf}/fxf
238 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, ;lQ s}nfnL l^sfk"/ gu/kflnsf j*f g+=7 l^sfk"/
239 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, rf}dfnf s}nfnL uf}/Lu+uf gu/kflnsf j*f g+=3 rf}dfnf
240 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, cQl/of s}nfnL uf]bfj/L gu/kflnsf j*f g+=2 cQl/of
241 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, x;"lnof s}nfnL s}nf/L uf¤pkflnsf j*f g+=1 x;"lnof
242 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, nDsL s}nfnL nDsL r"xf gu/kflnsf j*f g+=8 nDsL
243 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, SofDk;rf]s s}nfnL wgu(L pk dxfgu/kflnsf j*f g+=8 SofDk;rf]s
244 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, dx]Gb|gu/ s+rgk"/ ledbQ gu/kflnsf j*f g+=4uNnL g+=3
245 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, lzj;/f]h:yn s+rgk"/ k"g/af; gu/kflnsf j*f g+=6 lqe"jga:tL
246 /fli^«o jfl)fHo a}+s ln=, zfvf sfof{no, >Lk"/ a]nf}/L s+rgk"/ a}nf}/L gu/kflnsf j*f g+=4 >Lk"/ a]nf}/L
-%_ ;+ul7t ;+:yfsf] :yfkgfsfn b]lv xfn;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf] d'Vo p2]Zox?M
/fli6«o jfl0fHo a}+s lnld6]8 ldlt @)@@ ;fn df3 !) ut] ljz]if P]g æ/fli6«o jfl0fHo a}+s P]g, @)@!Æ cGtu{t g]kfn ;/sf/4f/f a}lsË
;DaGwL sf/f]jf/ ug{ :yfkgf ePsf] a}+s xf] . of] a}+s jfl0fHo a}+s P]g, @)#! adf]lhd ;+rfng x'b} cfPsf]df ldlt @)^# ;fn a}zfv ^
ut] lnld6]8 sDkgLsf] ?kdf sDkgL P]g, @)^# -tTsfnLg k|rlnt sDkgL cWofb]z, @)^@_ adf]lhd g]kfn ;/sf/ pBf]u jfl0fHo tyf
cfk"lt{ dGqfno, sDkgL /lhi6«f/sf] sfof{nodf btf{ eO{ sDkgLsf] ?kdf :yflkt ePsf] lyof] .
a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# -tTsfnLg a}+s tyf ljQLo ;+:yf ;DaGwL cWofb]z, @)^@ sf] bkmf #! sf] pkbkmf !_ adf]lhd
g]kfn /fi6« a}+sn] æsÆ ju{sf] a}+sdf auL{s/0f u/L sDkgLnfO{ ldlt @)^#÷)$÷)^ df laQLo sf/f]jf/ ug]{ Ohfht kq k|fKt ePsf] / ;f]
adf]lhd laQLo sf/f]jf/ ub}{ cfPsf] xf] .
a}+ssf] k+"hL of]hgf sfof{Gjogsf] of]hgf adf]lhd g]kfn ;/sf/ pBf]u jfl0fHo tyf cfk"lt{ dGqfno, sDkgL /lhi6«f/sf] sfof{noaf6 ldlt
@)&% ;fn a}zfv # ut] tfTsflng Pg=cfO=l8=;L 8]enkd]06 a}+s lnld6]8 a}+s o; a}+sdf ufEg] lg0f{o l:js[t eO{ ldlt @)&% ;fn
a}+zfv !^ ut] g]kfn /fi6« a}+saf6 laQLo sf/f]jf/ ug]{ k'gM :jLs[lt k|fKt u/L ldlt @)&% a}zfv !( ut]b]lv Plss[t sf/f]jf/ ;'? u/L
æsÆ ju{ sf] Ohfhtkq k|fKt ;+:yfsf] ?kdf a}+sn] cfkm\gf] sf/f]af/ ;~rfng u/L cfPsf] 5 .
%^ jif{sf] nfdf] Oltxf; af]s]sf] o; a}+sn] ljleGg cf/f]x cj/f]xx? Kff/ ub}{ b]zsf] ;a}eGbf w]/} lgIf]k sf/f]af/ tyf ;a}eGbf a9L
u|fxsx?nfO{ ;]jf lbg ;kmn cJjn a}+ssf] ?kdf :yflkt ePsf] 5 .
xfn a}+sn] cfkmgf @$^ zfvf sfof{nox?, (* :yfgdf /x]sf zfvf/lxt a}+lsu ;]jf, @)% a6f Pl6Pd, ljleGg k|ljlwdf cfwfl/t
dfWoodaf6 cfkm\gf #! nfv eGbf a9L u|fxsx?nfO{ ;]jf k|bfg ul//x]sf] 5 .
o; a}+sdf ((=(&Ü z]o/ :jfldTj ;+:yfks z]o/wgL -g]kfn ;/sf/_ sf] /x]sf] 5, )=)#Ü z]o/ :jfldTj ;j{;fwf/0f z]o/wgLx?sf] /x]sf]
5.
9
o; a}+ssf] :yfkgfsfn @)@@ b]lv xfn;Ddsf] %–% jif{ cGt/fnsf] ;+lIfKt d'Vo kl/;'rsx? M /sd ?=bz nfvdf
ljj/0f @@/@# @&/@* #@/## #&/#* $@/$# $&/$* %@/%# %&/%* ^@/^# ^^/^& &!/&@ &%/&^
z]o/ k"FhL # # % @) @) !,)@@ !,!&@ !,!&@ !,!&@ !,!&@ *,%** (,))$
u|fxssf] lgIf]k
bfloTj $ !$# %## !,^%^ #,&(! *,%&# @!,)#% $),&&$ $^,!(% ^*,^@% !,@$,@@! !,(!,(()
u|fxsx?nfO{ k|jfx
u/]sf] # !)) $)* !,^#% @,#@) $,@)& !&,)^^ @&,#&% @#,@$^ #!,$@$ &%,*#^ !$*,!@)
shf{ tyf ;fk6L
d'gfkmf -)=*#_ @ % !& # -%(%_ -(&$_ -&,)*$_ !,%(! @,)@^ $,^$$ %)$^
g]kfn /fi6« a}+s P]g @)%*, a}+s tyf ljQLo ;+:yf ;DalGw P]g @)&#, sDkgL P]g @)^# tyf cGo k|rlnt sfg"gsf] clwgdf /xL ljQLo
sf/f]af/ ug]{ sDkgLsf] d'Vo p2]Zox? b]xfo adf]lhd /x]sf 5g\M
-s_ a}+ssf] lgIf]kstf{sf] xs lxtsf] ;+/If0f / ;Da¢{g ub{} :j:Yo k|lt:kwf{af6 ;j{;fwf/0fnfO{ u'0f:t/Lo tyf e/kbf]{ a}lsË÷ljQLo
dWo:otf ;]jf pknAw u/fpg],
-v_ s[lif, pBf]u, ;]jf, Aofkf/ tyf cGo Joj;flos ?kn] ;DefAo b]lvPsf pTkbfgzLn Aoj;fosf] :yfkgf, ljsf;, la:tf/ / Ifdtf Pjd\
pTkfbsTj a[l¢sf nflu cfjZos a}lsË÷ljlQo ;fwg cfGtl/s tyf afÅf ;|f]taf6 h'6fO{ b]zsf] cf}Bf]lus, Jofkfl/s Pj+ s[lif If]qsf]
ljsf;df ultlzntf Nofpg ;xof]u k'/\ofpg],
-u_ pknAw ;Lk, >d tyf k"+hLnfO{ plrt ?kdf kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg Pj+ /f]huf/Ld"ns Aoj;fosf] :yfkgf,
;~rfng, ljsf;, lj:tf/ Pj+ k|aw{g ug{ / ;f] sfo{sf] nflu cfjZos ljQLo ;fwg, k|fljlws tyf Aoj:yfklso k/fdz{ ;]jf, tflnd
tyf k|ljlw pknAw u/fO{ ul/aL lgjf/0fsf nflu ;lqmo ?kdf ;+nUg eO{ ;xof]u k'/\ofpg],
-3_ a}lsË ;]jfdf hf]lvd sd ub{} a}lsË If]qsf] pbf/Ls/0fdf d¢t k'/\ofO{ b]zsf] cy{tGqnfO{ ;an tyf ;'b[9 agfpg ;xof]u k'/\ofpg],
-ª_ b]zsf] ;du| ljQLo k|0ffnL k|lt ;j{;fw/0fsf] ljZjf;gLotf clej[l4 ug]{ ;xof]u k'/\ofpg],
-r_ ljQLo dWo:ytf ;DaGwL ljljw sf/f]jf/ ;~rfng ug]{,
-5_ ;+:yfut ladf clestf{sf] ?kdf sfo{ ug{] .
a}+sn] k|bfg u/]sf] gub nfefz+ tyf af]gz ;]o/ lgDgfg';f/ /x]sf] 5 .
s|=;= cfly{s aif{ gub nfefz+ af]gz ;]o/ hDdf
1 2075÷76 12=00Ü 0 12=00Ü
cffly{s aif{ @)&^÷&& sf] v'b gfkmfaf6 a}+ssf] r'Qmf k'¤hLsf] #=% Ü gub nfefz+ / #=% Ü af]gz z]o/ k|:tfj u/]sf] .
-^_ ;+ul7t ;+:yfsf] s'g} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, Oltxf; / To;sf d'Vo p2]Zox?sf ;fy} To;df ePsf] nufgLsf]
c+z -k|ltztdf_ M
cf/ljlj dr]{G6 a}+lsË lnld6]8 /fli6«o jfl0fHo a}+s lnld6]8sf] k"0f{ :jfldTj ePsf] Ps ;xfos sDkgL xf] . cf/ljlj dr]{G6 a}+lsË lnld6]8
g]kfn ;/sf/, pBf]u dGqfno cGtu{t sDkgL /lhi6«f/sf] sfo{nodf ;+jt @)&@ ;fn df3 !% ut] btf{ g+= !$$^)(.)&@.)&# df btf{
ePsf] sDkgL xf] . of] sDkgL cfGtl/s /fHfZj sfof{no tyf s/bftf ;]jf sfof{no lqk'/]Zj/df :yfoL n]vf g+=^)#%*^!$( df btf{
ePsf] 5 .cf/ljlj dr]{G6 a}+lsË lnld6]8sf] d"Vo p2]Zo lwtf]kq ;DaGwL P]g, @)^# jf k|rlnt sfg'g4f/f kl/eflift lwtf]kq lgisfzg
ug{ ;Sg] sDkgL jf cGo ;+ul7t ;+:yfsf] lwtf]kq lgisfzg tyf laqmL k|aGws, z]o/ /lhi6«f/, nufgL Joj:yfks tyf lwtf]kqsf]
k|Tofe"ltsf sfo{x? / nufgLsf nflu ljz]if1 ;]jf pknAw u/fpg] /x]sf] 5 .
sDkgLsf] p2]Zo M
s_ lwtf]kq lgisfzgsf nflu ljj/0f kq, laqmL ;DaGwL k|:tfj tyf cGo ljj/0f tof/ ug]{ nufot lwtf]kqsf] lgisfzg tyf laqmL
k|aGws ;DaGwL cfjZos ;a} sfo{x? ug]{ ,
v_ ;+ul7t ;+:yf;Fu ;Demf}tf u/L ;+ul7t ;+:yfn] lgisfzg u/]sf] lwtf]kq laqmL gePsf] cj:yfdf cfkm"n] vl/b ug{ k|Tofe"lt -
c08//fO{l6ª_ lbg] sfo{ ug]{,
u_ ;+ul7t ;+:yfsf] tkm{af6 lwtf]kqwgLx?sf] clen]v /fVg] tyf lwtf]kqx?sf] gfd;f/L nufot z]o/ /lhi6«]zg ;DaGwL cGo ;]jf k|bfg
ug]{ z]o/ /lhi6«f/sf] sfo{ ug]{,
3_ u|fxs;Fu ;Demf}tf u/L u|fxssf nflu nufgL Joj:yfkg ;DaGwL sfo{ ug]{ ,
-&_ cGo ljj/0fx? M
-!_ ;+ul7t ;+:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx? M
a}+sn] k|bfg ug]{ d"Vo ;]jfx?df lgIf]k ;+sng tyf kl/rfng, shf{ k|jfx, /sdfGt/, /]]ld6\ofG;, Ph]G;L ;]jf, 6]«h/L nufgL tyf
Joj:yfkg, a}+s Uof/]G6L / Pn;L h:tf u}/sf]ifdf cfwfl/t sf/f]jf/ tyf ljleGg dfWodaf6 k|bfg ug]{ a}+ssf cGo a}+lsË ;]jfx? /x]sf 5g\
. a}+sn] cfkm\gf] ;Dk"0f{ ;DklQ tyf bfloTjsf] plrt Joj:yfkg ub}{ cfPsf] 5 .
-@_ k|of]u ePsf] jf ul/g] k|ljlw M
a}+s ;]jf k|bfos sDkgL ePsf]n] dfly v08 -s_ df pNn]lvt ;]jf k|bfg ug{ cfjZos k|ljlw.
-#_ s'g} a|f08g]d, k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ;+ul7t ;+:yf;Fu ;DalGwt af}l4s ;DklQ xs clwsf/ M
;f] gePsf] .
-$_ ;+ul7t ;+:yfn] cf]u6]sf] ahf/ If]qM
g]kfn /fi6« a}+ssf] @)&& cfiff9 d;fGtsf] tYofÍ cg';f/ a}+lsu If]qsf] s"n lgIf]k -ljb]zL d'b|fsf] lgIf]k ;lxt_ sf] %=(@Ü lx:;f a}+ssf]
10
/x]sf] 5 . ;fy}, shf{ tyf ;fk6 cGtu{t xfn;Dd a}+sn] a}+lsu If]qsf] s"n shf{sf] $=&(Ü lx:;f cf]u6]sf] 5 .
-%_ gofF pTkfbg tyf ;]jf ;DaGwL of]hgfM
;do ;fk]If gofF pTkfbg tyf ljQLo ;]jfsf] ljsf; u/L ;DefJo u|fxsx?sf] klxrfg u/]/ cfˆgf] Joj;fo lj:tf/ ug]{ of]hgf /x]sf] 5 .
-^_ pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M
a}+ssf] k|d'v ahf/ g]kfn /fHoe/ /x]sf] 5 / x/]s ju{sf u|fxssf] cfjZostf cg'?k ;]jfx? pknAw u/fpFb} hfg] a}+ssf] nIo /x]sf] 5 .
-&_ pTkfbg÷;+rfng Ifdtf / ;f] sf] pkef]u l:ylt M
a}+lsË If]qdf nfdf] cg'ej xfl;n ug{' ePsf ;+rfns÷Joj:yfkg bIftfsf] cfwf/df o; sDkgLn] :yfkgfsfn b]lv g} ahf/sf] /fd|f] lx:;f
cf]u6\g / u|fxsnfO{ /fd|f] ;'ljwf k|bfg ug{ ;kmn /x]sf] 5.
-*_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M
a}+ssf] shf{, nufgL tyf t/ntfsf] >f]t eg]sf] :jb]zL tyf lab]zL d'b|fdf ;+sng x'g] JolQmut tyf ;+:Yffut lgIf]k sf] ?kdf /xg]
art, rNtL tyf d'2tL lgIf]k g} xf] . g]kfn /fi6« a}+ssf] kl5Nnf] tYof+° adf]lhd g]kfnsf] #( k|ltzt hg;+Vofdf laQLo kx'r k'u]sf] 5}g
. laQLo kx'r k'u]sf] 7fpx?df >f]tsf] nflu k|ltzk|wf{ a9\bf] 5 eg] laQLo kx'r a[l¢ ub}{ lgIf]k tyf shf{ nufgL ug{ ;Sg] cj;/x?
k|;:t} 5g\ .
-(_ u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf M
:t/Lo a+}lsË ;]jf k|bfg ug{sf nflu a|fGr ck/];g laefu (Branch Operation Department) :yfkgf u/L sfof{non] k|bfg u/sf]
;]jfsf] cg'udg ug{sf ;fy} u|fxs u'gf;f] ;'g'jfO{ 8]:ssf] ;d]t Joj:yf /x]sf] 5 . ;fy} a}+ssf] u'0f:t/ tyf cfGt/Ls hf]lvd
lgoGq0fsf nflu hf]lvd Joj:yfkg laefu, cfGt/Ls n]vfkl/If0f ljefusf] Joj:yf u/L ;f] ljefux? Dffkm{t klg a}+sn] k|bfg ug]{ ;]jf
tyf cGt/lgxLt hf]lvd lgoGq0f ug]{ sfo{{ ul/G5 . a}+ssf k|b]z sfof{nox? tyf s]Gb|Lo sfof{noaf6 ;+:yfut ;'zf;g tyf ;]jfsf]
u'0f:t/ clea[l4 ug{ lg/LIf0f/cg'udg ;d]t ug]{ ul/Psf] 5 .
-!)_ cg';Gwfg tyf ljsf; M
g]kfnsf] a}+lsË tyf ljQLo If]qdf k|lt:kwf{Tds l:ylt /x]sf] cfhsf] k[i7e"dLdf a}+sn] cg';Gwfg tyf ljsf;nfO{ pRr k|fyldstfsf ;fy
cl3 a9fO{/x]sf] 5 . a}+sdf pQm sfo{sf] nflu of]hgf, cg';Gwfg tyf Joj:yfkg laefu u7g ul/Psf] 5 .
-!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;+rfngdf c;/ kg]{ u/L ePsf] jfwf,Jojwfg M
COVID-19 sf] sf/0f aGbfaGbLsf] cj:yfdf l;ldt a}+lsé ;+rfng ePsf sf/)f k/]sf] c;/ afx]s cGo g/x]sf] .
-!@_ dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP, ;f] ;DaGwL ljj/0fM
a}+sdf ;'dw'/ cf}Bf]lus ;DaGw /x]sf] ;fy} ljutdf dhb'/ ;+u7g ;+u s'g} k|sf/sf] pNn]Vo cf}Bf]lus ljjfb g/x]sf] .
-!#_ ahf/ k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M
cTolws k|lt:kwL{ /x]sf] xfnsf] a}+lsË ahf/df ;kmntf k"j{s cfkm\gf] klxrfg :yflkt u/L u'0f:t/Lo a}+lsË Joj;fo ;+rfng ul//x]sf] .
o; ;DaGwdf a}+ssf] xfn;Ddsf] k|ult ljj/0f nufot jt{dfg ahf/df a}+ssf] cj:yfsf] k'li6 a}+ssf]@)&& cfiff9 d;fGt ;Ddsf] ljQLo
ljj/0faf6 :ki6 ?kdf b]lvPsf] 5 .
@)&& cfiff9 d;fGtdf o; a}ssf] ahf/ lx:;f b]xfo adf]lhd /x]sf] 5 M
qm=;+= ljj/0f @& jfl0fHo a}+sdf o; a}+ssf] lx:;f ;du| ahf/df a}+ssf] lx:;f
!= lgIf]k ;+sng ^=^* Ü %=(@ Ü
@= shf{ tyf ;fKf6L %=#( Ü $=&( Ü
#= v'b d'gfkmf *=!(Ü ^=)^Ü
$= Jofh cfDbfgL %=@& Ü $=(% Ü
%= ;~rfng d'gfkmf (=%*Ü *=** Ü
-!$_ k|d'v u|fxsx?sf] ljj/0f -h:t}—;+:yfsf] s'n sf/f]af/df !)% jf ;f] eGbf a9Ln] of]ubfg ug]{ jf Joj;fosf] nflu ;+ul7t ;+:yf s'g}
k|d'v u|fxs;Fu lge{/ 5 eg] t\t;DaGwL ljj/0f . _ M
;f] gePsf] .
-!%_ k|d'v ;Knfo;{x?sf] ljj/0f -h:t}—;+:yfsf] s'n sf/f]af/df !)% jf ;f] eGbf a9Ln] of]ubfg ug]{ ;Knfo;{ jf Joj;fosf] nflu ;+ul7t
;+:yf s'g} k|d'v ;Knfo;{;Fu lge{/ 5 eg] tt\;DaGwL ljj/0f M ;f] gePsf] .
-v_ ;DklQsf] ljj/0f M
-!_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M
l:y/ ;DklQ tyf pks/0fsf] ljj/0f cf=j=@)&^÷)&& ;DklQ /x]sf] :yfgx? ;DklQsf] cj:yf
-?=xhf/df_
hUuf 1,88,828 ;Dk'0f{ ;DklQx? a}+ssf] k|of]udf
ejg 5,30,118 g]kfne/ ljleGg :yfgx?df /x]sf] . hUufsf] xsdf clwsf+z
sDDo'6/ / P;f];]l/h 1,25200 h:t} a}+ssf] s]Gb|Lo :yfgdf a}+ssf] ejgx? /x]sf],s]xL
kl/jxg ;fwg 2,51,078 sfof{no, k|fb]lzs sfof{no, :yfgx?df ejg lgdf{0f rfn'
kmlgr{/ / lkmSr/ 98,374 zfvf sfof{no tyf a}+sn] /x]sf],s]xL :yfgdf lgdf{0f of]hgf
cGo pks/0fx? 2,85,296 sf/f]af/ ug]{ cGo /x]sf] / ;Dk'0f{ hUufx?sf] plrt
;ˆ6j]o/ 42,887 :yfgx?df ;d]t /x]sf] . k|of]u tyf Joj:yfkgsf] of]hgf
hDdf l:y/ ;DklQ tyf pks/0f 15,21,781 /x]sf] .
dfly pNn]lvt l:y/ ;DklQ tyf pks/0fsf] lja/0f @)&& cfiff9 d;fGt;Ddsf] Xf;s§L u/L af+sL /x]sf] v'b lstfjL d'Nodf pNn]v
11
ul/Psf] 5 . ;Dk'0f{ cGo ;DklQsf] lja/0f a}+ssf] laQLo lja/0fx?df pNn]v ul/Psf] 5 .
-@_ a'¤bf -!_ df pNn]lvt ;DklQ ;+ul7t ;+:yfsf] cfkm\g} ;DklQ xf] of lnhdf lnPsf], lnhdf lnPsf] eP lnhsf] cjlw -ldlt ;d]t
pNn]v ug'{ kg]{_ M pQm a'Fbfdf pNn]lvt ;DklQ sDkgLsf] cfkm\g} :jfldTjsf] xf] .
-#_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h eP ;f] ;DaGwL ljj/0fM ;f] gePsf] .
-$_ ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfjL d"No / ahf/ d"No aLr km/s ePdf ;f] sf] ljj/0f M
;f] gePsf] .
-%_ ;DklQsf] d"Nof+sg ul/Psf] t/Lsf ;DaGwL ljj/0f M
a}+ssf] ljQLo ljj/0fx?df ;dfj]z hUuf ejg tyf pks/0f / ;DklQsf] k'g d"Nofªsg ul/Psf] 5}g . o; sDkgLn] u/]sf shf{,
6«]h/L nufgLx? tyf cGo ;DkQx?sf] d'Nof+sg g]kfn laQLo k|ltj]bg dfg adf]lhd -Fair Value_ df ul/Psf] 5 .
-u_ efjL of]hgf tyf /0fgLltM
-!_ Joj;fo÷;]jfsf] a[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doj4 /0fgLltM
s_ gofF pTkfbg tyf ;]jfx? M
cfkm\gf u|fxsju{sf] cfjZostf / ck]IffnfO{ b[li6ut u/L tb\cg"?k ;]jf k'¥ofpg / k|lt:k|wL{ aLr cfkmgf] 5'§} klxrfg agfpg a}+ssf]
;+rfns ;ldltn] ldlt @)&&.)#.!& ut] cfufdL % jif{sf] a}+ssf] Strategic Plan 2020–2025 th'{df u/L nfu" u/]sf] 5 . cfufdL %
jif{df a}+ssf] Business Process Reengineering (BPR) u/L a}+ssf] /0fg}lts of]hgf adf]lhd a}+snfO{ cTofw'lgs k|ljlwo'Qm u|fxsd}qL
a}+ssf] ?kdf :yfkgf ub}{ u|fxsju{df ljleGg gof+ pTkfbg tyf ;]jfx? k|rngdf Nofpg] k|s[of z'? u/]sf] 5 .
v_ sf/f]jf/ ;~hfnM
a}+lsu sf/f]jf/df cGt/lglxt hf]lvdx?sf] Joj:yfkgnfO{ pRr k|fyldstfdf /fvL ljleGg laB'lto dfWodaf6 sf/f]jf/ la:tf/ ug]{ tyf
ljQLo kx'r clea[l4 ug{ a}+ssf] kx'+r gePsf 7fpFx?df cfkmgf] pkl:ylt hgfp+b} hfg] p2]Zon] cfjZostf cg';f/ sf/f]jf/ ;~hfn
a9fp+b} n}hfg] a}+ssf] sfo{qmd 5 .
u_ 8]lj6/ s|]l86 sf8{ M
ahf/df cfkmgf] alnof] pkl:yltnfO{ sfod /fVg cfkmgf] sf8{ Joj;fonfO{ Jofks?kdf lj:tf/ ub}{ hfg] k|of;df a}+s nfu]sf] 5 . o;
af6 a}+ssf] u|fxs ;+Vof / cfDbfgL j[l4df ;xof]u k'Ug] 5 .
3_ Pl6Pd ;+hfnM
cfkm\gf] u|fxsju{x?nfO{ a9L ;'ljwf k|bfg ug]{ a}+ssf] /0fgLlt cg'?k pkTosfleq tyf aflx/ Pl6Pd h8fg la:tf/ ub}{ hfg] of]hgf
a}+ssf] /x]sf] 5 .
ª_ ;"rgf k|ljlwdf cfwfl/t ;]jfx?M
a}+sn] gljgtd k|ljlwsf] dfWodaf6 cfkm\gf] u|fxsx?nfO{ d"No clej[l4 ;]jfx? k|bfg ug]{ nIo /fv]sf] 5 . IT Integrated Services, MIS
and Data Security nfO{ k|fyldstfdf /fvL sfo{ ul/x]sf] 5 .
r_ ljk|]if0f M
ljk|]if0f Joj;fodf cfkm\gf] ahf/ c+z a9fp+b} n}hfg a}+sn] b]z e/L tyf ljb]zdf ;d]t ljk|]if0f ljt/s Ph]06 k'¥ofpg] of]hgf /x]sf]] 5 .
5_ cGo Joj;foM
o; a}+sn] n3'ljQ nufotsf Joj;fox? ug]{tkm{ cfkm\gf] sfo{ cufl8 a9fPsf] 5 . o;af6 a}+ssf] cfDbfgL j[l4sf ;fy} ;+s'lrt x+'b}
uPsf] dflh{gdf ;d]t ;'wf/ cfpg] ck]Iff ug{ ;lsG5 .
-@_ k|lt:kwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf] Joj;fosf] eljioM
xfn b]zsf] a}+lsË jftfj/0f cToGt k|lt:kwf{Tds 5 . ljut 5f]6f] cjlwdfg} w]/} a}+s tyf ljQLo ;+:yfx? :yfkgf eO{ ;+rfngdf
cfO;s]sf 5g\ . of] kl/l:yltn] ubf{ b]zsf] a}+lsË jftfj/0f c? a9L k|lt:kwf{Tds x'g] b]lvG5 . csf{] tkm{ b]zn] ckgfPsf] v'nf cfly{s
gLltn] nufgLstf{x?nfO{ ljleGg If]qdf nufgL ug{] cj;/x? k|fKt ePsf 5g\ . o;} aLr ljut s]xL ;do otf b]vf k/]sf] /fli6«o tyf
cGt/f{li6«o kl/l:yltn] / ljb]zL d'b|f -cd]l/sL d'b|f_sf] ljlgdo b/df ePsf] j[l4n] b]zsf] cfly{s l:yltsf] af/]df s]xL lrlGtt x'g'kg{]
l:ylt 5 . of] cj:yfn] b]zsf] a}+lsË Joj;fo / cy{tGqnfO{ klg s]xL xb;Dd k|efj kfg]{ b]lvP tfklg xfn;Ddsf] kl/l:yltnfO{
d"NofËsg ubf{ Tolt lrlGtt eOxfNg'kg]{ cj:yf b]lvb}g .
t;y{, b]zsf] a}+lsË Joj;fo aLrsf] k|lt:kw{f, ljBdfg cfly{s l:ylt / xfn ;Ddsf lbgx?df a}+lsË If]qn] pT;fxhgs ;kmntf kfO/x]sf]
cfwf/df o; a}+sn] u|fxsx?sf] rfxgf / cfjZostf cg';f/sf :t/Lo u|fxsf]Gd'v ;]jf tyf ;'ljwfx? k|bfg u/]/ pknJw >f]t / ;fwgsf]
pko'St kl/rfng u/L t'ngfTds ?kdf pT;fxhgs pknlAw xfl;n u/]sf] 5 . To; sf/0f a}+ssf] ljBdfg pknlAwx? Pj+ k|:t't efjL
of]hgfx?sf] cfwf/df a}+ssf] eljio yk ;'9[9 x'g] b]lvG5 . a}+sn] /fli6«o tyf cGt/f{li6«o ;/sf/L tyf u}/ ;/sf/L ;+3;+u7g, sDkgL,
JolQm / ;+3 ;+:yfx? tyf cGo ;a} ;/f]sf/jfnfx?;uF ;'dw'/ Joj;flos ;DaGw sfod /fv]sf] / a}+ssf] cf}Bf]lus tyf Joj;flos
;DaGw ;dfhsf ;a} txdf kf/bzL{ / ;f}xfb{k"0f{ /x]sf]n] o;nfO{ lg/Gt/tf lbOg]5 .
o; ;DaGwdf a}+ssf] xfn;Ddsf] k|ult ljj/0f nufot jt{dfg ahf/df a}+ssf] cj:yfsf] k'li6 a}+ssf] ljQLo ljj/0faf6 :ki6 ?kdf
b]lvPsf] 5 .
o; a}+ssf] eljiosf of]hgfx¿ lgDgfg';f/ /x]sf 5g\ M
-!_ a}+sn] k|jfx ug]{ ;]jfnfO{ l56f], 5l/tf] / u|fxsd'vL agfpg ljlzi6Ls[t ;]jfsf] nflu sfof{n ox¿ ls6fg u/L qmlds ¿kdf ;]jf
la:tf/ ul/g]5 .
-@_ shf{ k|jfx, :jLs[lt / sfuhft Joj:yfkg k|ls|ofnfO{ l56f], 5l/tf], ;xh,u'0f:t/ sfod ug{ tyf s]Gb|Lo tyf k|fb]lzs lgoGq0f
k|0ffnLnfO{ Jojl:yt tyf alnof] agfOg] 5 .
-#_ ;DefJotfsf] cfwf/df s[lif, hnljB't, ko{6g tyf cGo If]qsf 7"nf kl/of]hgfx¿df nufgL la:tf/ ug]{ gLltnfO{ lg/Gt/tf
lbOg]5 .
12
-$_ s"n lgIf]kdf :yfoL k|s[ltsf] Go"g nfutsf] lgIf]k ef/ j[l4 ub{} lgIf]ksf] ld>0fnfO{ e/kbf]{ tyf lbuf] agfpg] gLlt lnO{ sfo{qmd
;+rfng ul/g]5 .
-%_ ef/t nufot cGo t];|f] d'n'saf6 ljk|]if0f cfk|jfxnfO{ k|efjsf/L¿kdf a}+lsË k|0ffnLdfkm{t sf/f]jf/ a9fpg] sfo{nfO{ lg/Gt/tf
lbOg]5 .
-^_ ;+3Lo, k|fb]lzs tyf :yfgLo ;/sf/x¿;Fu ;dGjo, ;xsfo{ tyf ;Demf}tf u/L sfo{qmdx¿ ;+~rfng ug{] sfo{nfO{ lg/Gt/tf
lbOg] 5 .
-&_ g]kfnL d'b|fsf Prepaid/ Postpaid / Credit Card nfO{ la:tf/ ug]{ / lab]zL d'b|fsf Prepaid/ Post paid/ Co Brand Card/
Credit Card sf] ;'?jft u/L Digital Banking ProductnfO{ yk la:tf/ ul/g]5 .
-*_ a}+sn] k|of]u ul//x]sf] Core Banking System(CBS) nfO{ Upgradation ug]{ ;fy} BPR u/L Joj;flos cfjostf tyf
;do;fk]If agfpg gof¤ CBS Joj:yf u/L Management Information SystemnfO{ cem a9L k|efjsf/L agfOg] 5 .
-(_ lgodx¿sf] kfngf u/L bLuf] ¿kdf k|lt:kwf{Tds cfw'lgs a}+lsË ;]jf k|bfg ug{] ;DjGwdf a}+sn] k|of]u ub}{ cfPsf] Core
Banking System (CBS)nfO{ yk ;'/lIft agfpg Cyber Security sf /fli6«o tyf cGt/f{li6«o Best PracticesckgfO{ e/kbf{],
;an, ljZjf;gLo / hf]lvd/lxt u/fpg] sfo{nfO{ k|fyldstf lbO{ tbg'?ksf sfo{x¿ ul/g] 5 .
-3_ ;+rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DjGwL Joj:yfM
o; a}+sdf % -kf¤r_ hgfsf] ;~rfns ;ldlt /xg]5 . ;f] ;ldltdf ;d"xut k|ltlglwTj b]xfo adf]lhd x'g]5 M
-s_ ;+:yfks ;d"xsf z]o/wgLx?dWo]af6 dgf]lgt -;d'x s_ $-rf/_ hgf .
-v_ ;j{;fwf/0f ;d"xaf6 lgjf{lrt -;d'x v_ ) -z'Go_ hgf .
-u_ :jtGq ;~rfns ! -Ps_ hgf .
hDdf % -kf¤r_ hgf .
;+rfnsx?sf] sfo{sfn $ jif{sf] x'g]5 .
;+rfns x'gsf] nflu lng'kg]{ Go"gtd z]o/ ;+Vof ;DaGwL Joj:yf M
o; a}+ssf] lgodfjnLsf] lgod @* pklgod @ df Joj:yf eP cg';f/ a}+ssf] ;~rfnssf] kbdf lgo'Qm x'gsf nflu cfk\mgf] gfddf
slDtdf !)) -Ps ;o_ lsQf z]o/ lnPsf] x'g' kg]{5 . t/ :jtGq ;~rfns tyf g]kfn ;/sf/ tyf ;+ul7t ;+:yfsf] k|ltlglwTj ug]{
;~rfnsf]xsdf of] Joj:yf nfu' x'g] 5}g .
u=$= k"FhL ;+/rgf ;DaGwL hfgsf/LM
-s_ clws[t, hf/L tyf r'Qmf k"FhL / ;+:yfsf] :yfkgf kZrft ;f] df kl/jt{g ePsf] eP tT;DaGwL ljj/0f M
 clws[t k"FhLM o; a}+ssf] clws[t k"FhL ?=!!,@),)),)),)))÷—-cIf]?kL P3f/ ca{ aL; s/f]8 dfq_ /x]sf] 5 .
 hf/L k"FhLM o; a}+ssf] tTsfn hf/L k"FhL ?=(,)),$&,(%,&))÷— -cIf]?kL gf} ca{ ;trfln; nfv kGrfgAa] xhf/ ;ft ;o
dfq_ /x]sf] 5 .
 r'Qmf k"FhLM o; a}+ssf] r'Qmf k"FhL ?=(,)),$&,(%,&))÷— -cIf]?kL gf} ca{ ;trfln; nfv kGrfgAa] xhf/ ;ft ;o dfq_
/x]sf] 5 .
a}+ssf] :yfkgf kZrft\ clws[t, hf/L Pj+ r'Qmf k'FhLdf lgDg adf]lhd kl/jtg{ ePsf] 5M
clws[t k"FhL hf/L k"FhL r'Qmf k"FhL
-?= nfvdf_ -?=nfvdf_ -?=nfvdf_
cfly{s jif{ s}lkmot
;fwf/0f lk|km/]G; ;fwf/0f lk|km/]G; ;fwf/0f lk|km/]G;
z]o/ z]o/ z]o/ z]o/ z]o/ z]o/
2022/23 30 g]kfn ;/sf/af6 laz]if P]g cGt/ut
0 30 0 30 0
k|f/lDes nufgL
2032/33 50 0 50 0 50 0
2033/34 80 0 80 0 80 0
2034/35 100 0 100 0 100 0 ljleGg ldltdf g]kfn ;/sf/af6 z]o/
2035/36 200 0 200 0 200 0 nufgL yk u/L k"FhL a[l4 tyf kl/jt{g x'b}
2047/48 3,400 8,323 1,700 8,323 1,700 8,323 cfPsf]
2051/52 3,400 10,023 1,700 10,023 1,700 10,023
2056/57 7,706 7,870 3,853 7,870 3,853 7,870
2068/69 92,130 7,870 82,130 7,870 47106 0 gf]6 !
2069/70 100,000 0 90,000 0 85,890 0 Gff]6 @, #
2074/75 112,000 0 90,048 0 90,048 0 gf]6 g= $
ldlt @)^(.)#.@$ df :jLs[t a}+ssf] k"+hL of]hgf cg';f/ tn pNn]v ul/P adf]lhd cf=j @)^*.^( cf=j @)^(.&) / cf=j @)&$.&%
df z]o/ k"+hL yk ePsf] M
gf]6 ! M
g]kfn ;/sf/af6 ldlt @)^(.)#.#! df ?=$,#@,%#,!),))) yk k"+hLsf] nflu /sd k|fKt eO{ Calls in Advance sf] ?kdf b]vfOPsf]df
ldlt @)^(.!@.#! sf] ;fwf/0f ;efn] z]o/hf/L u/]sf] .
13
gf]6 @M
ldlt @)&).)!.)% df g]kfn ;/sf/af6 kl/jt{gsf] nflu :jLs[t eO{ ?=&*,&),)),))) lk|km/]G; z]o/ / pQm z]o/df e'QmfgL ug{ af+sL
nfef+z ?= *,^%,&),))) nfO{ laif]z ;fwf/0f ;efaf6 ldlt @)&).)#.@( df ;fwf/0f z]o/df kl/jt{g kfl/t u/]sf] .
gf]6 #M
k"+hL of]hgf cg';f/g} laQLo If]q ;'wf/ sfo{s|d cGt/u{t k|fKt lb3{sflng SDR Loan nfO{ ;]o/df kl/jt{g ug{ ldlt @)^(.)*.!$ df
;DalGwt lgsfoaf6 :jLs[t eO ldlt @)^(.!@.#! sf] ;fwf/0f ;efn] ?=#,)),$&,(@,#)) z]o/df kl/jt{g u/]sf] .
gf]6 $M
k"+hL of]hgf cg';f/g} Pg=cfO{=l8=l;= 8]enkd]06 a+}s / o; a}+s aLr ldlt @)&%.)!.!( df ;DkGg dh{/af6 ?=$!,%*,@#,$)) r'Qmf
k"FhL a[l4 ePsf] .
v_ lgisfzg kl5sf] r'Qmf kF"hL -;d"xs[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M
C0fkq lgisfzg ug{' k"j{ a}+ssf] r'Qmf k"FhLsf] ;+/rgf b]xfo adf]lhd /x]sf] 5 .
c= z]o/ k'FhL
;d"x z]o/wgL z]o/ lsQf k"+hL ;+/rgf r'Qmf /sd -?=_ e'QmfgL k|ltzt
-s_ ;+:yfks z]o/wgLx? (,)),@),)$& ((=(&Ü (,)),@),)$,&)) ztk|ltzt
-v_ ;j{;fwf/0f z]o/wgLx? @&,(!) )=)#=Ü @&,(!,))) ztk|ltzt
hDdf (,)),$&,(%& !))Ü (,)),$&,(%,&))
cf= C0f k'FhL M gePsf] .
C0fkq lgisfzg u/L afF8kmfF6 u/] kZrft a}+ssf] z]o/ k'FhL / C0f k"FhLsf] ;+/rgf b]xfo adf]lhd x'g]5 .
c= z]o/ k'FhL
;d"x z]o/wgL z]o/ lsQf k"+hL ;+/rgf r'Qmf /sd -?=_ e'QmfgL k|ltzt
-s_ ;+:yfks z]o/wgLx? (,)),@),)$& ((=(&Ü (,)),@),)$,&)) ztk|ltzt
-v_ ;j{;fwf/0f z]o/wgLx? @&,(!) )=)#=Ü @&,(!,))) ztk|ltzt
hDdf (,)),$&,(%& !))Ü (,)),$&,(%,&))
cf= C0f k'FhL
ljj/0f r'Qmf /sd -?=_ e'QmfgLk|ltzt
8.5% RBBL Debenture, 2083 ?=@,%),)),)),)))÷– o; laa/0fkq dfkm{t lgisfzg k|s[ofdf /x]sf]
hDdf ?=@,%),)),)),)))÷–
-u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft_ M ;f] g/x]sf] .
u=%= ;+:yfks÷;+rfns ;DaGwL hfgsf/L M
-s_ ;+:yfks÷;+rfnssf] k[i7e"ldM
-!_ cfwf/e"t z]o/wgLx? tyf ;+rfnsx?sf] gfd, kb, pd]/, /fli6«otf, 7]ufgf, z]o/ :jfldTj, z}lIfs of]Uotf, cg'ej, / k|:tfljt
Aofkf/÷Joj;fodf cg'ej M o; a}+ssf] cfwf/e"t z]o/wgLsf] ?kdf g]kfn ;/sf/ /x]sf] / a}+lsu, cy{zfiq, Joj:yfkg Pj+ ljleGg
If]qdf sfo{cg'ej ePsf JolStTjx? g]kfn ;/sf/af6 dgf]lgt eO ;+rfnssf] ?kdf /xg] x'bf+ a}+snfO{ cfjZoskg]{ x/]s sf/f]jf/ tyf
sfo{sf] cg'ej /x]sf] 5 .
cfwf/e"t z]o/wgLsf] ljj/0fM
pd]/ z]o/ :jfldTj z}lIfs cg'ej
l;=g+ gfd, 7]ufgf kb /fli6«otf
-jif{_ -lsQf_ of]Uotf -k"j{ / xfn sfo{/t_
!= g]kfn ;/sf/ ;+:yfks nfu' gx'g] g]kfnL (,)),@),)$& nfu' gx'g] nfu' gx'g]
;+rfnsx?sf] ljj/0fM
JolQmut
l;= pd]/ gfddf /x]sf] z}lIfs cg'ej
gfd, 7]ufgf kb /fli6«otf
g+= -jif{_ z]o/:jfldTj of]Uotf -k"j{ / xfn sfo{/t_ lj:t[t ?kdf
-lsQf_
>L wgL/fd g]kfn ;/sf/, cy{ dGqfno Mzfvf clws[t
Joj:yfkg /
zdf{, b]lv;x–;lrj-@)%( b]lv xfn;Dd_,
!= cWoIf $! g]kfnL g/x]sf] cy{ zf:qdf
bz/yk'/ * ;+rfns, /fli6«o aLdf ;+:yfg / g]kfn k"gaL{df
:gfsf]t/
;'v]{t sDkgL -@)&% b]lv @)&^ ;Dd_
>L hgs
;L=P=/
s'df/ a/fn, k/fdz{ ;]jf, l;P=, hgs P08 P;f]lzo6\; @)^$
@= ;b:o $^ g]kfnL g/x]sf] Joj:yfkgdf
dT:okf]v/L @ b]lv xfn;Dd .
:gfts
;+v'jf;jf
14
k|f=8f= >L
k|fWofks, lqe'jg ljZjljBfno -@)#& b]lv @)&^
/fhg axfb'/
ljQ laifodf ;Dd_
#= kf}8]n, ;b:o ^# g]kfnL g/x]sf]
kL=Pr=8L= ;+rfns, s'df/L a}+s ln -@)^& b]lv @)&! ;Dd_
gfufh'{g g=kf
.
! sf7\df08f}
k|fWofks, lqe'jg ljZjljBfno -@)%@ b]lv @)&&
k|f=8f=>L h]i7 @@ ut] ;Dd_,
dfwj k|;fb ;b:o, g]kfn ;/sf/, pRr:t/Lo hgzlQm k|If]k0f
cy{ zf:qdf
$= bfxfn, ;b:o ^# g]kfnL g/x]sf] sfo{bn-@)&% d+l;/ b]lv @)&^ a}zfv ;Dd_ ,
kL=Pr=8L
lz4]Zj/ ! ;b:o, g]kfn ;/sf/, dWod:t/Lo k|fljlws
ef]hk'/ hgzlQm k|If]k0f sfo{bn -@)&^ c;f/ b]lv @)&^
>fj0f ;Dd_ .
>L /f]ldnf
9sfn, Joj:yfkgdf Pe/]i6 a}+s ln -@)%$.)!.)^ b]lv @)&$.)&.)%_
%= ;b:o $( g]kfnL g/x]sf]
rGb|u9L * :gfsf]Q/ df ljleGg txdf @) jif{sf] sfo{cg'ej
emfkf
a}+ssf ;a} ;~rfnsx?n] g]kfn ;/sf/sf] tkm{af6 k|ltlglwTj ug'{ePsf] x'+bf lghx?n] JolQmut gfddf o; a}+ssf] z]o/ :jfldTj g/x]sf] .
-@_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt ljj/0f (Profile)/ pQm sDkgL÷;+:yfsf
;+rfnsx?sf] gfd, 7]ufgf, -k|fs[lts JolQm gv'n];Dd_ M
a}+ssf] ;+:yfks g]kfn ;/sf/ /x]sf] . z]o/ k"hLsf] -((=(&Ü_ cyf{t (,)),@),)$& lsQf z]o/ g]kfn ;/sf/sf] :jldTjdf /x]sf] / lgDg
adf]lhdsf lgsfosf] gfddf sfod /x]sf] 5 .
z]o/ :jfldTj
l;=g+= ;+:yfsf] gfd, 7]ufgf / ;+lIfKt ljj/0f ;+rfnsx?sf] ljj/0f
- lsQf _
!= >L g]kfn ;/sf/, cy{ dGqfno *,$),$%,)@%
@= >L g]kfn ;/sf/,dxfn]vf lgoGqssf] sfof{no %),@%,@)#
#= >L g]kfn ;/sf/,pBf]u, jfl0Ho tyf cfk'lt{ dGqfno %,*(,!^@
$= >L g]kfn ;/sf/,>d, /f]huf/ tyf ;fdflhs ;'/Iff dGqfno *(,!^%
%= >L g]kfn ;/sf/, ;+:s[lt, ko{6g tyf gful/s p8\8og dGqfno dfly a'+bf g+ -s_ ! df *(,!^%
^= >L g]kfn ;/sf/, phf{, hn;|f]t tyf l;+rfO{ dGqfno pNn] v ul/Psf] (),!^@
&= >L g]kfn ;/sf/, ef}lts k"jf{wf/ tyf oftfoft dGqfno *(,!^%
*= >L g]kfn ;/sf/, lzIff, lj1fg tyf k|ljlw dGqfno !,)))
(= >L g]kfn ;/sf/, s[lif tyf kz'kIfL dGqfno !,)))
!) >L g]kfn ;/sf/, e'ld Joj:yf, ;xsf/L tyf ul/AfL lgjf/0f dGqfno !,)))
-#_ ;+ul7t ;+:yfsf] ;+rfnsx? cGo s'g} sDkgL, ;+:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;+rfns / cfj4 ePsf] ;+:yfsf] gfd, 7]ufgfM
l;=g+= gfd, 7]ufgf cg'ej-k"j{ / xfn sfo{/t_ lj:t[t ?kdf
g]kfn ;/sf/, cy{ dGqfnosf] ;x–;lrj .
!= >L wgL/fd zdf{
/fli6«o aLdf ;+:yfg / g]kfn k"gaL{df sDkgLdf k"j{ ;~rfns .
@= >L hgs s'df/ a/fn k/fdz{ ;]jf, l;=P=hgs P08 P;f]lzo6\; .
k|fWofks, lqe'jg ljZjljBfno k"j{ k|fWofks / s'df/L a}+s ln=sf] k"j{
#= >L /fhg axfb'/ kf}8]n, k|f=8f=
;~rfns .
k|fWofks, lqe'jg ljZjljBfno k"j{ k|fWofks .
$= >L dfwj k|;fb bfxfn, k|f=8f= g]kfn ;/sf/, pRr:t/Lo hgzlQm k|If]k0f sfo{bnsf] k"j{ ;b:o .
g]kfn ;/sf/, dWod:t/Lo k|fljlws hgzlQm k|If]k0f sfo{bnsf] k"j{ ;b:o .
%= >L /f]ldnf 9sfn Pe/]i6 a}s ln=df df ljleGg txdf @) jif{sf] sfo{cg'ej /x]sf] .
gf]6 M o; ;+:yfsf] ;+rfnsx?sf] ;DaGwdf æ;"rLs[t ;Ël7t ;+:yfx?sf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf,@)&$Æ sf] Joj:yfx? tyf
sDkgL P]g, @)^# sf] bkmf *( sf] pkbkmf-!_ 5 sf] kfngf ePsf] 5 .
-$_ ;+:yfks÷;+rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M
z]o/ vl/b jf x:tfGt/0f ug{ aGb]h ;DaGwL Joj:yf b]xfo adf]lhd x'g]5 M
s_ g]kfn /fi6« a+}ssf] k"j{ :jLs[lt glnO{ a}+ssf] z]o/ s'g} ljb]zL a+}s jf ljQLo ;+:yfnfO{ laqmL jf x:tfGt/0f ul/g] 5}g.
v_ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt glnO{ ;+:yfks / ;j{;fwf/0f ;d"xsf] z]o/ :jfldTj cg'kftdf kl/jt{g ug{ kfO{g] 5}g .
u_ a}+sn] sf/f]af/ ;+rfng u/]sf] kfFr jif{ gk']u;Dd ;f] ;+:yfsf] ;+:yfksn] cfkm\gf] z]o/ laqmL jf lwtf]aGws /fVg kfpg] 5}g / pQm
cjlwkl5 To:tf] z]o/ laqmL ubf{ jf lwtf]aGws /fVg' kbf{ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt lng' kg{]5 . o; Joj:yf adf]lhd a}+sn]
sf/f]af/ ;+rfng u/]sf] kfFr jif{ gk'u] tfklg a}+ssf] ;+rfngdf s'g} afwf Jojwfg pTkGg eO{ ljz]if kl/l:yltsf] ;[hgf x'g uPdf
g]kfn /fi6« a}+ssf] :jLs[lt lnO{ ;+:yfksx?sf aLrdf z]o/ vl/b laqmL ug{ ;lsg]5 .
15
t/, To;/L xs 5f]8\bf jf x:tfGt/0f ubf{ klxnf] k|fyldstf h'g ;d"xsf] z]o/ xf] ;f]xL ;d"xsf z]o/wgLx¿nfO{ lbg' kg{]5 . o;/L
z]o/ laqmL ubf{ Ps eGbf a9L z]o/wgLn] z]o/ vl/b ug{ rfx]df lghn] wf/0f u/]sf] z]o/sf] cg'kftdf ljt/0f ug'{ kg]{5 . ;f]
;d"xsf s'g} klg ;+:yfks z]o/wgLn] z]o/ lng] OR5f gu/]df dfq To:tf] z]o/ g]kfn /fi6« a}+ssf] :jLs[tL lnO{ ;+rfns ;ldltsf]
lg0f{o adf]lhd cGo JolQm, kmd{, sDkgL jf ;+:yfnfO{ laqmL ug{ ;lsg] 5 .
3_ s'g} ;+:yfks z]o/wgLsf] d[To' ePdf jf k|rlnt sfg"g adf]lhd kfl/jfl/s c+za08f ePdf jf cbfntsf] cfb]zn] lghsf] z]o/
xsjfnfdf gfd;f/L x'g] ePdf v08 -u_ sf] aGb]h nfu' x'g] 5}g .
ª_ a}+ssf] ;+rfns, sfo{sf/L k|d'v, n]vfk/Lifs, ;lrj jf a}+ssf] Joj:yfkg tyf n]vf ;DaGwL sfo{df k|ToIf ?kn] ;+nUg JolQmn]
To:tf] kbdf axfn /x+bfsf] jvt jf To:tf] kbaf6 cjsfz k|fKt u/]sf] sDtLdf Ps jif{;Dd ;DalGwt a}+s jf To;sf] ;xfos
sDkgLsf] z]o/ cfkm\gf] jf cfkm\gf] kl/jf/sf] lgoGq0fdf /x]sf] kmd{, sDkgL jf ;+:yfsf] gfddf vl/b laqmL ug{, u/fpg, ug{ lbg,
lwtf]aGws /fVg, /fVg nufpg jf bfg as; lng, lbg jf n]gb]g ug{ x'+b}g . t/ gofF z]o/ hf/L u/]sf] cj:yfdf of] k|ltjGw nfu'
x'g] 5}g .
r_ s;}n] v08 -r_ sf] ljkl/t sfd u/]df To:tf] z]o/ a}+sn] hkmt ug]{5 / To;/L hkmt ePsf] z]o/ ;+rfns ;ldltn] plrt
7x¥ofPsf] lsl;daf6 laqmL lat/0f ug{ ;Sg]5 .
5_ z]o/ vl/b jf x:tfGt/0f ug{ aGb]h ;DaGwL cGo Joj:yf a}+s tyf ljQLo ;+:yf P]g, @)&#, sDkgL sfg"g, lwtf]kq sf/f]af/
;DaGwL sfg"g tyf cGo k|rlnt sfg"gdf pNn]v eP adf]lhd x'g]5 .
h_ ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#Æ sf] lgod -!)_ sf] pklgod -!_ df ePsf] Joj:yf cg'?k lwtf]kq ;fj{hlgs
lgisfzg ug{ ;Sg] u/L ;+:yflkt ;+ul7t ;+:yfsf ;j{;fwf/0f afx]s cGo ;d"x -;+:yfks / cGo ;d"x_ n] lnPsf] z]o/ ;fj{hlgs
lgisfzg u/]sf] z]o/ afF8kmfF8 ePsf] ldltn] tLg aif{sf] cjlw k"/f geO{ laqmL ug{ kfOg] 5}g .
-v_ ;+:yfks÷;+rfns ;Fusf] sf/f]af/ M
!_ ;+ul7t ;+:yfaf6 s'g} ;+:yfks÷;+rfnsn] k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/cfly{s_ k|fKt u/]sf] jf k|fKt ug]{
ePdf To:tf] j:t' jf ;'ljwfsf] k|s[lt / d"No / To:tf] ;'ljwf lbP afkt ;+ul7t ;+:yfn] s'g} ;DklQ, ;]jf k|fKt u/]sf] jf ug]{ ePdf
tT;DaGwL ljj/0f M
jflif{s ;fwf/0f ;efaf6 kfl/t ;'ljwf afx]s s]xL gePsf] .
@_ a'Fbf -v_ -!_ df pNn]lvt a:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M ;f] gePsf] .
u=^= ;Lldt bfloTj ;DaGwL ljj/0f M
o; a}+s sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cGtu{t :yflkt tyf ;~rflnt klAns lnld6]8 sDkgL xf] .
o;df z]o/jfnfx?sf] bfloTj ;Lldt 5 . o; a}+ssf z]o/jfnfsf] bfloTj lghn] vl/b u/]sf] jf vl/b ug{ saf]n u/]sf] z]o/sf]
clwstd /sd;Dd dfq ;Lldt /xg]5 .
u=&= ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL ljj/0f M
-s_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f M
-!_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn] u/]sf] sfdsf] cg'ej tyf ;+ul7t
;+:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy} To:tf sd{rf/Lx? cGo s'g} ;"lrs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL eP
jf cGo s'g} ;+ul7t ;+:yfdf nufgL u/]sf] eP pQm ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] /sd v'nfpg'kg]{ .
pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f M
qm= sd{rf/Lsf] z]o/
tx of]Uotf lgo'Qm ldlt sfo{ cg'ej
;= gfd ;+Vof
 k|d'v sfo{sf/L clws[t M /fli6«o jfl0fHo a}+s -;]jf z'?
@)&@.!@.@( b]lv xfn;Dd bf]>f] sfo{sfnsf] nflu ldlt
>L ls/0f k|d'v sfo{sf/L @)&^.!@.)@ df k"g lgo'lQm ePsf],
!= Pd=kL=P= @)&@.!@.@( 5}g
s'df/ >]i7 clws[t  dxfk|jGws, g]kfn a}+s ln=df $ aif{]sf] cg'ej,
 g]kfn a}+s ln=df @)$# ;fndf ;xfos clws[t b]lv
;]jf ;'? u/L #) jif{ eGbf dflysf] cg'ej .
 Gffoj k|d'v sfo{sf/L clws[t M /fli6«o jfl0fHo a}+s -ldlt
Gffoj k|d'v Rff6{8{ @)&%.)@.@& b]lv xfn;Dd_
>L slj/fh
@= sfo{sf/L clws[t PsfpG6]G6÷ @)^@.!).)@  /fli6«o jfl0fHo a}+sdf ldlt @)^@.!).)@ b]lv lg/Gt/ 5}g
clwsf/L
-tx !@_ Pd=aL=P;= ;]jf k|bfg ub}}{, a}+ssf] ljleGg laefusf] lhDd]af/L
;Dxfn]sf], a}+sdf !% aif{sf]sfo{ cg'ej /x]sf] .
 CSC & Co, Chartered Accountants -@)^@ b]lv
Rff6{8{ @)^$_
>L ;/:jtL pk sfo{sf/L
#= PsfpG6]G6÷ @)^$.)^.)&  o; a}+ssf] ah]6, laQ, 6]«h/L, hf]lvd Joj:yfkg nufot 5}g
clwsf/L clws[t -tx !!_
Pd=sd ljleGg laefusf] lhDd]jf/L ;Dxfn]sf],a}+sdf !# jif{sf]
sfo{ cg'ea .
>L b]j];  o; a}+ssf] ;"rgf k|ljlw, l8lh6n a}+lsu nufot ljleGg
$= k|;fb pk sfo{sf/L Pd=aL=P= @)%!.)!.)* laefusf] lhDd]jf/L ;Dxfn]sf], a}sdf @% jif{ eGbf 5}g
nf]xf]gL clws[t-tx !!_ a9Lsf] sfo{ cg'ej /x]sf] .
16
>L b]j]Gb| Rff6{8{  o; a}+ssf] zfvf sfof{no, k|fb]lzs sfof{no, a}+ssf]
%= /d0f pk sfo{sf/L PsfpG6]G6÷ @)^$.)%.!) shf{ laefux? nufot ljleGg laefusf] lhDd]jf/L 5}g
vgfn clws[t-tx !!_ Pd=aL=P= ;Dxfn]sf], a}+sdf !# jif{sf] sfo{ cg'ej /x]sf] .
Pd=lkmn -
>L Kfjg d'Vo k|aGws  o; a}+ssf] ljefuLo k|d'v tyf zfvf sfo{nox?df !%
^= cy{zf:q_÷ @)^@.)!.)@ 5}g
/]UdL -tx !)_ jif{ sf] sfo{ cg'ej /x]sf] .
Pd=aL=P;=
Rff6{8{ o; a}+ssf] laQ laefusf] ljleGg lhDd]jf/L ;DxfNb} xfn

>L ljdn d'Vo k|aGws
&= PsfpG6]G6÷ @)^^.)(.)! laQ laefusf] laefuLo k|d'vsf] ?kdf sfo{/t /x]sf], 5}g
8uf]n -tx !)_
Pd=aL=P;= a}+sdf !! jif{ sf] sfo{ cg'ej /x]sf] .
>L lago d'Vo k|aGws Rff6{8{  o; a}+ssf] zfvf k|jGws, laefuLo k|d'v nufotsf]
*= @)^^.)(.!( 5}g
/d0f kf}8]n -tx !)_ PsfpG6]G6 lhDd]jf/Ldf !! jif{ sf] sfo{ cg'ej /x]sf] .
>L  o; a}+ssf] ljleGg zfvf sfof{nodf k|jGwssf] ?kdf
al/i7 k|aGws Pd=aL=P=÷
(= ef]nfgfy @)^@.)!.)@ ;]jf ug'{ ePsf] / xfn sDkgL ;lrjsf] lhDd]jf/L 5}g
-tx (_ Pd=P=
kf}8]n ;DxfNg' ePsf], a}+sdf !% jif{ sf] sfo{ cg'ej /x]sf] .
gf]6 M dfyL pNn]lvt pRr Joj:yfksLo txsf sd{rf/Lx? cGo s'g} ;'rLs[t ;+ul7t ;+:yfsf] jf cGo s'g} ;+ul7t ;+:yfsf] cfwf/e't
z]o/wgL g/x]sf] hfgsf/L u/fpg rfxG5f} .
-@_ ljj/0fkq af]8{df k|:t't ug{' eGbf ! jif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] cj:yf afx]s ;+ul7t ;+:yfsf] pRr
Joa:yfksLo txdf /x]sf s'g} sd{rf/L kl/jt{g ePdf ;f] ;DaGwL ljj/0f M
! jif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] afx]s cGo kl/jt{g ePsf] 5}g.
-#_ sd{rf/L ;+Vof M ldlt @)&&.)^.#) df
s|=;+ :yfoL c:yfO s/f/ hDdf
1 1978 137 2115
-v_ ;+rfns Pj+ pRr Joa:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0f M
-!_ ;+rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf lghx?nfO{
k|bfg ul/g] jf ul/Psf] b}lgs tyf e|d0f eQf / cGo ;'ljwf M
s_ ;+rfnsn] kfpg] dfl;s kfl/>lds, a}7s eQf, b}lgs tyf e|d0f eQf / cGo ;'ljwf o; a}+ssf] lgodfjnL cg';f/ x'g]5 .
v_ ;+rfnsx?sf] a}7s eQf tyf ;'ljwf xfn b]xfo adf]lhd /x]sf] 5 M
-!_ a}7s eQf M ?= $)))÷– k|lt a}7s eQf k|bfg ul/g] .
-@_ b}lgs tyf e|d0f eQf Mg]kfn leq e|d0f ubf{ ?=@%))÷– k|lt lbg . ef/tdf e|d0fdf hfbf cd]l/sL 8n/ @@%÷– k|lt lbg .
cGo b]zdf e|d0fdf hfbf M cd]l/sL 8n/ @@%÷– k|lt lbg . o'/f]lkog d'n'sx?df, ci6«]lnof, Go'lhNof08, cd]l/sf, Sofgf8f,
s'a}t, sf]l/of, Hfkfg, x+usñu, ?;, stf/, o'=P=O{, l;+ufk"/, n]agfg, ax/fOg M cd]l/sL 8n/ @((=@%÷– k|lt lbg ljb]z hf¤bf
e|d0f vr{ MOsf]gf]dL Snf;sf] xjfO{ l6s6 vr{ .
-#_ ljb]z hf¤bf e|d0f vr{ MOsf]gf]dL Snf;sf] xjfO{ l6s6 vr{ pknAw u/fOg]
-$_ 6]lnkmf]g tyf kq klqsf vr{ afkt ?=$%))÷– dfl;s lbOg] .
-@_ ;+ul7t ;+:yfsf] pRr Joa:yfksLo txsf tLg hgf clws[tx?sf] gfd / kb / Ps cfly{s jif{sf] cjlw leq pgLx?nfO{ kfl/>ldssf]
?kdf e'Qmfg ul/Psf] /sd M
Ps cfly{s jif{sf] cjlw leq kfl/>ldssf] ?kdf e'Qmfg
l;=g+= sd{rf/Lsf] gfd kb
ul/Psf] /sd -cf=a=)&^÷&&_
!= >L ls/0f s'df/ >]i7 k|d'v sfo{sf/L clws[t 46,12,639
@= >L slj/fh clwsf/L Gffoj k|d'v sfo{sf/L clws[t 20,00,363
#= >L ;/:jtL clwsf/L pksfo{sf/L clws[t 17,62,492
-#_ s'g} clws[t jf ;+rfnsnfO{ eljiosf] nflu s'g} /sd k|bfg ul/g] u/L s/f/ ul/Psf] eP ;f] ;DaGwL ljj/0f M gePsf] .
u=*=cGt/lglxt hf]lvd tyf ;f] sf] Joj:yfkgsf] nflu Joj:yfkgsf] wf/0ff M
a}+ssf] cGtlg{lxt hf]lvdx? lgDgfg';f/ /x]sf 5g\.
-s_ljQLo ;fwgsf] cefjaf6 x'g] hf]lvdM
!=lgIf]k tyf shf{sf] Aofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx? .
@=g]kfnsf] ahf/df x'g] cfly{s dGbLaf6 kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? .
#= laZjJofkL dxfdf/Lsf] ?kdf km}lnPsf] sf]/f]gf sf]le8 !( sf sf/0f sf/f]jf/ tyf Joj:ffodf kg{ uPsf] c;/af6 x'g] hf]lvdx? .
$= t/ntfsf] ptf/r9faaf6 lgIf]k ;+sng, Jofhb/ tyf cfDbfgLdf kg]{ c;/af6 x'g] hf]lvdx? .
-v_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd Mnfu' gx'g] .
17
-u_ pTkfbg tyf ;]jfsf] ahf/ l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvd M
!= sf]le8 !( sf] c;/af6 laQLo sf/f]jf/, shf{ nufgL tyf Joj;fodf b]lvPsf] dGbLsf sf/0f x'g] hf]lvdx? .
@=gofF a}+s tyf ljQLo ;+:yfx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g ;Sg] hf]lvdx? .
#=b]zsf] cfly{s cj:yfdf cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx? .
-3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clea[l4 (Cost Overrun)sf] hf]lvd M
;f] gePsf] .
-ª_ ljb]zL ljlgdosf] hf]lvdMb]zsf] j}b]lzs Jofkf/ gLltdf x'g ;Sg] kl/jt{g tyf ljb]zL d'b|fsf] ljlgdo b/df 36\a9 eO{ pTkGg x'g
;Sg] ;Defljt hf]lvdx? .
-r_ sfg"gL k|s[ofx? tyf O{hfht k|fKt ug'{ kg]{ ;f] af6 kg{ ;Sg] cj/f]wx? M;f] gePsf]] .
-5_ If]qLos/0f / ljZjJofkLs/0f(Globalization)sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd Msf]le8 !( sf sf/0f cGt/f{li6«o ahf/df x'g]
cfly{s dGbLaf6 kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? .
-h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjAofkL ?kdf x'g] gLltut kl/jt{gaf6 x'g] hf]lvdM
!=g]kfn ;/sf/ tyf g]kfn /fi6« a}+ssf] cfly{s tyf ljQLo gLlt lgoddf x'g] kl/jt{gaf6 >[hgf x'g ;Sg] hf]lvdx? .
@=b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] hf/L ug]{ lgod lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf x'g] ;Defljt hf]lvdx? .
-em_ ;+rfng Oltxf;sf] cefj Mo; a}+ssf] ;+rfng Oltxf; sl/j %% aif{sf] /x]sfn] a}+sdf ;+rfng cefj gePsf] .
-`_ k|ljlwsf] kl/jt{gaf6 x'g] ;Sg] hf]lvd MgofF k|ljlwsf] ljsf; ;+u} a}+sn] k|of]u ug]{ k|ljlwdf cfwfl/t a}+lsÍ÷ljlQo nufotsf
k|ljlwdf x'g] v/faLn] kg{ ;Sg] ;+rfng tyf ;fv;DalGw hf]lvd .
-6_ cGo M
!=a}+sn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf cfDbfgL ;+s'lrt x'g] tyf k"hLdf Xf; cfpg] hf]lvd .
@= k"+hL ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx? .
#= b]zsf] /fhgLlts cl:y/tfaf6 ;+rfng tyf ljQLo cj:yfdf kg{] hf]lvd .
$= ;/sf/L ;'/If0fkqx?sf] Aofhb/df cfpg] kl/jt{gaf6 a}+ssf] cfDbfgL ;+s'rg x'g] hf]lvd .
%= sfo{;+rfng hf]lvd (Operational Risk) af6 x'g ;Sg] xfgL gf]S;fgL .
^= ;DklQ z'4Ls/0f nufot ljQLo ck/fw ;DaGwL hf]lvdaf6 x'g;Sg] xfgL gf]S;fgL .
&=k|fs[lts k|sf]k -e'sDk, af9L÷klx/f] cfbL_ sf] sf/0faf6 Joj;fodf cfpg] k|efjsf] hf]lvd .
*= sf]le8 !( sf] c;/af6 x'g ;Sg] sd{rf/L :jf:y ;DaGwL hf]lvdx? .
;Defljt cfly{s hf]lvdx?nfO{ Go"gLs/0f ug{ Joj:yfkgn] lgDg pkfox? cjnDjg ub}{ hfg]5 .
/fli6«o jfl0fHo a}+ssf] shf{ tyf nufgL v/fa eO{ x'g ;Sg] hf]lvdx?sf] nflu a}+sn] shf{ tyf nufgLsf] nflu hf]lvd Aoxf]g]{
sf]ifsf] Joj:yf u/]sf] 5 . a}+sn] ljQ ahf/df x'g] k|lt:kwf{sf] nflu hgzlQm lasf;df Wofg k'¥ofpg'sf] ;fy} cGo Joj;flos
hf]lvdx?af6 l;h{gf x'g ;Sg] xflg gf]S;fgLsf] nflu Joj:yfkg rgfvf] eO{ ;Defljt xflg gf]S;fgL sd ug{ ;Ifd / k|ltj4
/x]sf]5 .
/fli6«o jfl0fHo a}+s lnld6]8n] cGtlg{lxt tyf eljiodf cfpg ;Sg] ljleGg hf]lvdx? -shf{, ahf/ ;+rfng cflb_ sf] klxrfg,
cg'udg tyf Joj:yfkgsf] nflu hf]lvd Joj:yfkg laefusf] u7g u/L hf]lvd klxrfg, cg'ugd tyf lgoGq0fsf] Joj:yf u/]sf] 5
. g]kfn /fi6« a}+ssf] lgb]{zg tyf a}+ssf] gLlt lgodsf] clwgdf /xL cfGtl/s lgoGq0f k|0ffnLnfO{ dha't agfO{ ljleGg hf]lvdx?
Joj:yfkg u/L a}+snfO{ pTs[i6 Pj+ ;an?kdf ;+rfng u/L nufgLstf{x?sf] lxtsf] ;+/If0fsf nflu cfjZos gLlt, sfo{ljlwx?
agfO{ nfu' u/]sf] 5 .
shf{;FUf ;DalGwt hf]lvdx?, ahf/ / t/ntf, sf/f]jf/ ;+rfng, Joj:yfkg / k|lti7f h:tf a+}ssf] Joj;fo;FUf ;DalGwt
hf]lvdx?nfO{ a+}sn] hf]lvd Joj:yfkg ;+/rgfåf/f ;ts{tfk"j{s Joj:yfkg ug]{ u/]sf] 5 . To:t} cGo ljleGg hf]lvdx?
Go"gLs/0fsf nflu k|efjsf/L cfGtl/s lgoGq0f k|0ffnL, ;dofg';f/sf] cfw'lgs k|ljlw, :ki6 gLlt tyf lgodx?sf] lgdf{0f Pj+
;dofg';f/ cfˆgf] ;]jf tyf ;'ljwfx?df kl/jt{g ub}{ nfg] a}+ssf] gLlt /x]sf] 5 .
hf]lvd Joj:yfkgsf nflu a+}sn] cjnDag u/]sf pkfox? lgDg lnlvt 5g\M
!_ clVtof/ k|fKt ;ldlt tyf JolQmx?sf] l:js[tL kZrft\dfq hf]lvd u|x0f tyf ;f] sf] Joj:yfkgsf nflu plrt ;+/rgf tyf
;fwgx?sf] pknAwtf .
@_ efjL hf]lvdx?sf] k"jf{g'dfg tyf hf]lvdx?sf] pko'St hfgsf/L .
#_ k|ltikwf{Tds Ifdtf clej[l4sfnflu hf]lvdx?sf] s'zn tyf k|efjsf/L Joj:yfkg Pj+ lgoGq0f .
$_ a}+sn] lg/Gt/ ?kdf k|ljlw kl/jt{gaf6 l;lh{t x'g ;Sg] hf]lvdx?nfO{ dWogh/ u/L hf]lvd Go"lgs/0fsf pkox? cjnDag ug]{,
k|ljlwaf6 pTkGg x'g] hf]lvd nufot CyberSecurity Risk ;DaGwL cfjZos tflndx? lbb} cfPsf] / ;do ;dodf a}+ssf]
;"rgf k|ljlwsf] n]vfkl/If0f u/fO{ lj1x?sf] ;'emfj adf]lhd hf]lvd Go"lgs/0fsf pkfox? cjnDag ub}{ uPsf] .
%_ cg'zfl;t / ;+oldt hf]lvd axg ug]{ .
^_ sf]le8 !( sf] sf/0f pTkGg o; kl/l:yltdf klg cfkm\gf] u|fxsnfO{ ;xh, ;'ne ?kn] a}+lsË ;]jf pknAw u/fpg a}+sn] cfkm\gf
u|fxsnfO{ g]kfn ;/sf/n] hf/L u/]sf] :jf:Yo ;DaGwL sfo{ljlw kfngf ub}{ a}+sdf cfpg] u|fxsx?nfO{ ;fdflhs b'/L sfod ub}{
;]jf pknAw u/fpg], sd{rf/Lx?nfO{ sf/f]gf /f]syfdsfnflu cfjZos ;hutf ckgfpg lgb]{zg lb+b}, a}+sdf cfpg] ;Dk"0f{ u|fxs
tyf sd{rf/Lx?sf] b}lgs tfkqmd gfkhfFr ug]{ tyf :jf:y ;DaGwL pkfox? ckgfpb} ;]jf pknAw u/fO{ /x]sf] .
18
a}+sn] hf]lvd lgoGq0fsf] If]qdf cjnDjg u/]sf dfly pNn]lvt gLlt Pj+ pkfox? kof{Kt gx'g ;Sb5g\ o;y{ pNn]lvt ljlwx?n]
a}+ssf] hf]lvdnfO{ k"0f{ ?kdf lgd'{n kfg{ g;s] tfklg Go'lgs/0f ug{ ;kmn x'g] ljZjf; lnPsf 5f}+ .
lwtf]kq d"No kl/jt{g ;DalGw hf]lvd M
?=!)))÷—k|lt C0fkqsf] b/n] lgisfzg ul/Psf] d"Non] ;"rLs/0f kZrft lwtf]kq ahf/df x'g] sf/f]jf/ d"No ghgfpg] ePsf]n]
C0fkq d"Nodf x'g ;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .
u=(=ljQLo ljj/0f M
-s_ ljQLo ljj/0f / tt\ ;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f M
-!_;+ul7t ;+:yfsf] n]vfkl/If0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg lx;fj afF8kmfF8, gub
k|jfx ljj/0fM
/fli6«o jfl0fHo a}+s ln=sf] cfly{s jif{ @)&^÷)&& sf] n]vfkl/If0f u/LPsf] jf;nft, gfkmf—gf]S;fg lx;fa, gfkmf—gf]S;fg afF8kmfF8
lx;fa tyf gub k|jfxsf] ljj/0f lgDgfg';f/ 5 M–
jf;nft -@)&^ >fj0f )! b]vL @)&& ciff9 d;fGt;Dd_
;DklQ /sd -?=xhf/df_
gub tyf gub ;dfg 70,93,859
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd 1,79,34,764
a}+s tyf ljQLo ;+:yfdf u/]sf] nufgL -Kn];d]G6_ 48,120
8]l/e]l6e -Jo"TkGg_ ljQLo pks/0f –
cGo Jofkf/Ls ;DklQx? –
a}+s tyf ljQLo ;+:yfnfO{ k|jfx u/]sf] shf{ tyf ;fk6L 44,56,754
u|fxsx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L 15,07,97,847
lwtf]kqdf u/]sf] nufgL 7,47,69,660
rfn' s/ ;DklQ 26,48,121
;xfos sDkgLdf nufgL 2,00,000
;Da4 sDkgLdf nufgL 97,858
nufgL ;DklQ -OGe]i6d]G6 k|f]k6L{_ 1,09,379
;DklQ / pks/0f 15,55,722
u'8ljn -VoftL_ / cd"t{ ;DklQ 42,887
:yug s/ ;DklQ 6,47,026
cGo ;DklQ 63,64,264
s'n ;DklQ 2,66,766,261
bfloTj / k"FhL
a}+s tyf ljQLo ;+:yfnfO{{ ltg{ afFsL 22,78,454
g]kfn /fi6« a}+snfO{ ltg{ afFsL /sd 2,81,069
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f –
u|fxssf] lgIf]k bfloTj 23,09,02,637
;fk6L 60,064
rfn" s/ bfloTj –
Joj:yf /sdx? 3,75,137
:yug s/ bfloTj –
cGo bfloTjx? 98,39,362
hf/L ul/Psf] C0fkq –
c;'/lIft ;xfos cfjlws bfloTj –
s"n bfloTj 24,37,36,723
k"FhL
z]o/ k"FhL 90,04,795
z]o/ lk|ldod –
;l~rt d'gfkmf 7,61,614
hu]8f 1,32,63,129
z]o/wgLx?;+u ;DalGwt s"n OlSj6L 2,30,29,538
hDdf k"FhL
hDdf bfloTj / k"FhL 2,66,766,261
19
gfkmf gf]S;fg lx;fj -@)&^ >fj0f )! b]vL @)&& ciff9 d;fGt;Dd_
ljj/0f /sd -?= xhf/df_
Aofh cfDbfgL 1,71,60,174
Aofh vr{ 77,11,772
v"b Aofh cfDbfgL 94,48,402
z'Ns tyf sldzg cfDbfgL 8,28,481
z'Ns tyf sldzg vr{ 1,74,582
v"b z'Ns / sldzg cfDbfgL 6,53,899
v"b Aofh, z'Ns / sldzg cfDbfgL 1,01,02,301
v"b Jofkfl/s cfDbfgL 54,734
cGo ;~rfng cfDbfgL 5,41,224
hDdf ;~rfng cfDbfgL 1,06,98,259
shf{df ;Defljt Iflt Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgLx? 1,60,525
v"b ;~rfng cfDbfgL 1,05,37,734
;~rfng vr{
sd{rf/L vr{ 31,03,922
cGo ;~rfng vr{ 12,76,219
x|f;s§L / kl/zf]wg 2,17,934
;~rfng d'gfkmf 59,39,658
u}/ ;~rfng cfDbfgL 2,95,098
u}/ ;~rfng vr{
cfos/ cl3sf] d'gfkmf 62,34,756

cfos/ vr{
rfn' s/ vr{ 13,04,369
:yug s/ vr{ 5,53,071
o; cjlwsf] d'gfkmf 43,77,316
gfkmf jfF8kmfF8
a}+ssf] z]o/ wgL 43,77,316
u}/ lgolGqt :jfy{
k|lt z]o/ cfDbfgL -?=_
Basic k|lt z]o/ cfDbfgL -?=_ 48=61
Diluted k|lt z]o/ cfDbfgL -?=_ 48=61
cGo lj:t[t cfosf] ljj/0f -@)&^ >fj0f )! b]vL @)&& ciff9 d;fGt;Dd_
ljj/0f /sd -?=xhf/df_
jif{ el/sf] v'b gfkmf÷-gf]S;fg_ 43,77,316
cGo ljl:t[t cfDbfgL -s/ s6\6L kZrft_
s_ gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f gx'g] lzif{sx?M
ahf/ d"Nodf dfkg x'g] OSjLl6 pks/0fdf ePsf] nuflg sf] k"gd"{Nof°gaf6 ePsf] gfkmf ÷-gf]S;fg_ 2,47,590
k'gd"{Nof°gdf ePsf] gfkmf ÷ -gf]S;fg_
3f]lift cjsfz nfe of]hgfdf ePsf] Actuarialgfkmf ÷ -gf]S;fg_ -29,51,174_
dfly pNn]lvt ljj/0f;Fu ;DalGwt s/ 8,11,075
v'b cGo lj:t[t cfDbfgL – gfkmf gf]S;fg lx;fadf k"g/juL{s/0f gx'g] -18,92,508_
v_ gfkmf gf]S;fg lx;fadf k"g/juL{s/0f x'g ;Sg] lzif{sx?
Cash Flow Hedgedf ePsf] gfkmf ÷-gf]S;fg_ –
;6xL gfkmf ÷ -gf]S;fg_ j}blzs sf/f]af/df –
dfly pNn]lvt ljj/0f;Fu ;DalGwt s/ –
gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f ul/Psf] –
gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f x'g ;Sg] v'b cGo lj:t[t cfDbfgL –
u_ P;f]l;P6 sDklgsf] O{SjLl6 k4ltaf6 n]vfÍg ul/Psf] cGo lj:t[t cfDbfgLdf ePsf :jfy{ –
cGo ljl:t[t cfDbfgL -s/ s6\6L kZrft_ -18,92,508_
20
jif{sf] s'n lj:t[t cfDbfgL -jif{ el/sf] v'b gfkmf÷-gf]S;fg ;lxtsf]_ 24,84,807
cGo ;du| cfDbfgLsf] lxtflwsf/L
a}+ssf z]]o/wgLx? 24,84,807
lgoGq0f gx'g] :jfy{ –
jif{sf] s"n lj:t[t cfDbfgL 24,84,807
ljt/0f of]Uo gfkmfsf] ljj/0f
gfkmf÷gf]S;fg lx;fa cg';f/ v'b gfkmf
af+8÷kmf+8 x?
;fwf/0f hu]8f 8,75,463
lab]zL d'b|f 36÷a9 sf]if 1,802
K'+fhL lkmtf{ sf]if -
;fdfhLs pQ/bfloTj sf]if -7,756_
sd{rf/L tfnLd sf]if -31,470_
cGo -13,462_
lgodgsf/L ;dfof]hg cl3sf] gfkmf
lgodgsf/L ;dfof]hgx?
kfpg' kg]{ Aofh (-)k'/fgf] Aofh k|fKt (+) -8,24,331_
shf{ gf]S;fgL Joj:yfdf sdL (-)/lkmtf{ (+) -
nufgL lx;fa Joj:yfdf sdL (-)/lkmtf{ (+) -
u}/ a}+lsu ;DkQL Joj:yfdf sdL (-)/lkmtf{ (+) 3,613
:yug s/ ;DklQ (-)/ 36L(+) -2,58,004_
Voflt (-)/ Vofltdf sdL (+) -
v/Lbdf kmfO{bf (-)36L (+) -
PSr'l/on gf]S;fg (-)lkmtf{{ (+) -20,65,822_
cGo(+/-) -
ljt/0f of]Uo gfkmf 7,61,614
gub k|jfx ljj/0f
sf/f]af/ ;~rfngaf6 gub k|jfx
z'Ns tyf cGo cfDbfgL 8,28,481
nfef+z k|fKtL
cGo ;~rfng ultljlwaf6 k|flKt 7,56,186
Aofh vr{ -77,01,268_
sldzg tyf z'Ns vr{ -1,74,582_
sd{rf/L vr{
cGo vr{ -63,03,591_
;~rfng ;DklQ / bfloTjsf] kl/jt{g cl3sf] ;~rfng gub k|jfx 24,27,546
;~rfng ;DaGwL rfn' ;DklQdf sdL÷-j[l4_ -59,32,546_
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd -55,74,767_
a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft tyf nufgL 3,25,370
cGo Jofkfl/s ;DklQ
a}+s tyf ljQLo ;+:yfx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L 79,890
u|fxsnfO{ k|jfx u/]sf] shf{ tyf ;fk6L -87,47,638_
cGo ;DklQ 79,84,599
;~rfng ;DaGwL rfn" bfloTjdf j[l4÷-sdL_ 3,78,36,962
a}+s tyf ljQLo ;+:yfx?nfO{ ltg{ afFsL -5581580_
g]kfn /fi6« a}+snfO{ ltg{ afFsL /sd
;fk6L
21
cGo bfloTj 17,71,241
sf/f]af/ ;~rfngaf6 cfos/ cl3sf] v"b gub k|jfx 3,43,31,961
cfos/ e'QmfgL -15,26,661_
sf/f]af/ ;~rfngaf6 ePsf] v"b gub k|jfx -3,28,05,300_
nufgL sf/f]af/df gub k|jfx
lwtf]kq nufgL vl/b
lwtf]kq nufgLsf] laqmLaf6 k|fKtL -3,40,28,659_
;DklQ / pks/0fsf] vl/b -6,13,216_
;DklQ / pks/0fsf] laqmLaf6 k|fKtL 45,559
cd"t{ ;DklQsf] vl/b
cd"t{ ;DklQsf] laqmLaf6 k|fKtL -9,968_
nufgL ;DklQsf] vl/b
nufgL ;DklQsf] laqmLaf6 k|fKtL
Aofh cfDbfgL 17,70,628
nfef+z cfDbfgL 91,914
nufgL sf/f]af/af6 ePsf] v"b gub k|jfx -3,27,43,742_
ljQLo >f]t sf/f]af/af6 gub k|jfx
C0fkq lgisfzgaf6 k|fKtL
C0fkqsf] e'QmfgL
c;'/lIft ;xfos cfjlws bfloTjsf] lgisfzgaf6 k|fKtL
c;'/lIft ;xfos cfjlws bfloTjsf] e'QmfgL
z]o/ lgisfzgaf6 k|fKtL
nfef+z vr{ -1080575_
Aofh vr{ -11127_
cGo cfDbfgL÷e'QmfgL -70975_
ljQLo >f]t sf/f]af/af6 ePsf] v"b gub k|jfx -11,62,677_
gub k|jfxdf ePsf] v"b j[l4÷-sdL_ -11,01,119_
gub tyf gub ;dfgdf /x]sf] z'?jftL df}Hbft 81,94,978
gub tyf gub ;dfgdf ljlgdo b/df cfPsf] kl/jt{gaf6 ePsf] cfDbfgL÷vr{
gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 70,93,859
-@_ ;~rfng cjlw tLg aif{ Joltt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ Joltt e}g;s]sf] cj:yfdf ;~rfng
cjlwe/sf] n]vfk/LIf0f ePsf] gfkmf gf]S;fg, jf;nft ;lxtsf] ;+lIfKt ljQLo ljj/0f -;xfos sDkgL eP ;dli6s[t ?kdf_M
a}+ssf] ljut # jif{sf] nflu n]vfkl/If0f ePsf] ljQLo ljj/0fx? b]xfo adf]lhd /x]sf] 5 M
/fli6«o jfl0fHo a}+s tyf ;xfos sDkgL ;d]tsf] ;dli6s[t
jf;nft -?=xhf/df_
cf=a= cf=a= cf=a=
;DklQ
@)&$÷&% @)&%÷&^ @)&^÷&&
gub tyf gub ;dfg ^^,&*,)$& *@,)@,$&* &),(^,(*#
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd (^,$%,$(! !,@#,%(,((& !,&(,#$,&^$
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft tyf nufgL -Kn];d]G6_ – #,&#,$() $*,!@)
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f – – –
cGo Jofkf/Ls ;DklQx? – – –
a}+s tyf ljQLo ;+:yfnfO{ k|jfx u/]sf] shf{ tyf ;fk6L $),$%,(*! $%,#&,^)% $$,%^,&%%
u|fxsx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L !!,&$,!$,!^@ !$,@),@@,*&% !%,)&,(&,*$&
lwtf]kqdf u/]sf] nufgL $,^@,#%,)$# $,)@,^),%$* &,$*,^%,^&*
rfn" s/ ;DklQ ^,@^,&$^ @$,@*,$** @^,$(,&*)
;xfos sDkgLdf nufgL – – –
;Da4 sDkgLdf nufgL $,%!,)&$ !,#!,$$! !,#$,$&@
;DklQdf nufgL %&,@&) !,!$,*!@ !,)(,#&*
;DklQ / pks/0f (,@$,!^% !!,@*,@*! !%,%(,##^
u'8jLn -Voflt_ / cd't{ ;DklQ @#,(*@ $$,&*@ $#,^^(
:yug s/ ;DklQ !!,)@,@*$ %,)),$#^ ^,$&,%^%
22
cGo ;DklQ !,)%,)&,*&@ !,$#,$#,!%% ^#,^&,!(!
s'n ;DklQ !(,&&,!@,!@@ @@,^$,$*,#(@ @^,^&,!!,%#*
cf=a= cf=a= cf=a=
bfloTj / k"FhL
@)&$÷&% @)&%÷&^ @)&^÷&&
a}+s tyf ljQLo ;+:yfnfO{{ ltg{ afFsL shf{÷;fk6L %@,(!,%@* &*,^),)#$ @@,&*,$%$
g]kfn /fi6« a}+snfO{ ltg{ afFsL /sd (@,(&) #,%@,)$$ @,*!,)^(
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f – – –
u|fxssf] lgIf]k bfloTj !^,$),%^,^!! !*,(!,$),*%# @#,)&,**,*&$
;fk6L !,&!,$(^ ^),^*& ^),)^$
rfn" s/ bfloTj – – –
Joj:yf /sdx? #,!),^#$ #,%%,*&# #,&%,!#&
:yug s/ bfloTj – – –
cGo bfloTjx? *$,(&,)^* ^(,$!,$^* (*,$#,^&%
hf/L ul/Psf] C0fkq – – –
c;'/lIft ;xfos cfjlws bfloTj – – –
s"n bfloTj !&,*$,@),#)( @),$&,!),(^@ @$,#^,@&,@&#
k"FhL – – –
z]o/ k"FhL (),)$,&(% (),)$,&(% (),)$,&(%
z]o/ lk|ldod – – –
;l~rt d'gfkmf -#&,!%,##)_ !*,)^,)*% *,!%,)*^
hu]8f !,$),)@,#$& !,)(,@^,%$( !,#@,^$,#*$
z]o/wgLx?nfO{ afF8kmfF6of]Uo s"n OlSj6L !,(@,(!,*!# @,!&,#&,$#) @,#),*$,@^%
u}/ lgolGqt :jfy{ – – –
hDdf k"FhL !,(@,(!,*!# @,!&,#&,$#) @,#),*$,@^%
hDdf bfloTj / k"FhL !(,&&,!@,!@@ @@,^$,$*,#(@ @^,^&,!!,%#*
gfkmf gf]S;fg lx;fj -?=xhf/df_
cf=a= cf=a= cf=a=
ljj/0f
@)&$÷&% @)&%÷&^ @)&^÷&&
Aofh cfDbfgL !,@),((,^(* !,$(,@%,*@$ !,&!,^&,*%(
Aofh vr{ @(,&%,!(& $(,^@,^@& &&,)!,%#)
v"b Aofh cfDbfgL (!,@$,%)) ((,^#,!(& ($,^^,#@(
z'Ns tyf sldzg cfDbfgL &,(#,&^) &,&*,@#! *,#%,#!%
z'Ns tyf sldzg vr{ !,*$,%#& !,$),(^& !,&%,(*#
v"b z'Ns / sldzg cfDbfgL ^,)(,@@# ^,#&,@^$ ^,%(,##@
v"b Aofh, z'Ns / sldzg cfDbfgL (&,##,&@# !,)^,)),$^@ !,)!,@%,^^!
v"b Jofkfl/s cfDbfgL %*,()! ^(,#%! %$&#$
cGo ;~rfng cfDbfgL $,!*,@!& !),$&,#$( %,$$,(@@
hDdf ;~rfng cfDbfgL !,)@,!),*$@ !,!&,!&,!^@ !,)&,@%,#!&
shf{df ;Defljt IftL Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgLx? !#,%%,!^) ^,!),%)@ !,^),%@%
v"b ;~rfng cfDbfgL **,%%,^*! !,!!,)^,^%( !,)%,^$,&(@
;~rfng vr{
sd{rf/L vr{ #!,$),)## #),(&,%)& #!,!@,&&)
cGo ;~rfng vr{ &,*&,)(^ !!,#%,!@* !@,&&,*()
x|f;s§L / kl/zf]wg @,%#,&&^ !,^$,@@# @,!(,)@)
;~rfng d'gfkmf $^,&$,&&$ ^&,)(,*)) %(,%%,!!@
u}/ ;~rfng cfDbfgL @,@@,^^^ !,$^,$$! @,(%,)(*
u}/ ;~rfng vr{ (,!^@ &!# )
;fem]bf/L÷;fyLx?sf] gfkmfsf] lx:;f @,@),(*# -$^,**)_ #,)#)
cfos/ cl3sf] d'gfkmf %!,)(,@^! ^*,)*,^$* ^@,%#,@$)
cfos/ vr{
rfn" s/ vr{ @$,%%,&)( $,$&,)#^ !#,)(,)^&
:yug s/ vr{ -!!,^#,*((_ !!,@$,%#( %,%@,$!^
o; cjlwsf] d'gfkmf #*,!&,$%! %@,#&,)&@ $#,(!,&%&
23
gfkmf jfF8kmfF8
a}+ssf] z]o/ wgL #*,!&,$%! %@,#&,)&@ $#,(!,&%&
u}/ lgolGqt :jfy{ – – –
o; cjlwsf] d'gfkmf #*,!&,$%! %@,#&,)&@ $#,(!,&%&
k|lt z]o/ cfDbfgL -?=_
Basick|lt z]o/ cfDbfgL -?=_ $@=#( %*=!^ $*=&&
Dilutedk|lt z]o/ cfDbfgL -?=_ $@=#( %*=!^ $*=&&
cGo lj:t[t cfosf] ljj/0f -?=xhf/df_
cf=a= cf=a= cf=a=
ljj/0f
@)&$÷&% @)&%÷&^ @)&^÷&&
jif{ el/sf] v'b gfkmf÷-gf]S;fg_ 38,17,451 52,37,072 43,91,757
cGo ljl:t[t cfDbfgL -s/ s6\6L kZrft_
s_ gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f gx'g] lzif{sx?M
ahf/ d"Nodf dfkg x'g] OSjLl6 pks/0fdf ePsf] nuflg sf] -5,41,997_ -85,138_ 2,48,974
k"gd"{Nof°gaf6 ePsf] gfkmf ÷ -gf]S;fg_
k'gd"{Nof°gdf ePsf] gfkmf ÷ -gf]S;fg_
kl/eflift nfe of]hgfdf ePsf] Actuarial gfkmf÷-gf]S;fg_ -6,66,739_ -16,57,163_ -29,51,174_
dfly pNn]lvt ljj/0f;Fu ;DalGwt s/ 3,62,621 5,22,690 8,10,660
v'b cGo lj:t[t cfDbfgL – gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f gx'g] -8,46,116_ -12,19,611_ -18,91,540_
v_ gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f x'g ;Sg] lzif{sx?
Cash Flow Hedgedf ePsf] gfkmf ÷ -gf]S;fg_ – – –
;6xL gfkmf ÷ -gf]S;fg_ j}blzs sf/f]af/df – – –
dfly pNn]lvt ljj/0f;Fu ;DalGwt s/ – – –
gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f ul/Psf] – – –
gfkmf gf]S;fg lx;fadf k"g/jlu{s/0f x'g ;Sg] v'b cGo lj:t[t cfDbfgL – – –
u_ P;f]l;P6 sDklgsf] O{SjLl6 k4ltaf6 n]vf°g ul/Psf] cGo ljl:t[t – – –
cfDbfgLdf ePsf :jfy{
cGo ljl:t[t cfDbfgL -s/ s6\6L k:rft_ -8,46,116_ -12,19,611_ -18,91,540_
jif{sf] s'n ljl:t[t cfDbfgL -jif{ el/sf] v'b gfkmf÷-gf]S;fg ;lxtsf]_ 29,71,335 40,17,460 25,00,216
Total Comprehensive Income Attributable to:
a}+ssf z]]o/wgLx? 29,71,335 40,17.460 25,00,216
lgoGq0f gx'g] :jfy{ – –
jif{sf] s'n ljl:t[t cfDbfgL 29,71,335 40,17,460 25,00,216
ljt/0f of]Uo gfkmfsf] ljj/0f -?=xhf/df_
cf=a= cf=a= cf=a=
ljj/0f
@)&$÷&% @)&%÷&^ @)&^÷&&
gfkmf÷gf]S;fg lx;fa cg';f/ v'b gfkmf
af+8÷kmf+8 x? 8,81,162 10,36,567 8,24,576
;fwf/0f hu]8f 7,31,853 10,09,304 8,75,463
lab]zL d'b|f 36÷a9 sf]if – – 18,102
K'+fhL lkmtf{ sf]if – – –
;fdfhLs pQ/bfloTj sf]if 32,859 36,010 -7,757_
sd{rf/L tfnLd sf]if 47,246 -3,747_ -31,471_
cGo 69,202 -5,000_ -13,462_
lgodgsf/L ;dfof]hg cl3sf] gfkmf
lgodgsf/L ;dfof]hgx?
kfpg' kg]{ Aofh (-)k'/fgf] Aofh k|fKt (+) -37,97,102_ 33,58,584 -8,24,332_
shf{ gf]S;fgL Joj:yfdf sdL (-)/lkmtf{ (+) – – –
nufgL lx;fa Joj:yfdf sdL (-)/lkmtf{ (+) – – –
u}/ a}+lsu ;DkQL Joj:yfdf sdL (-)/lkmtf{ (+) -57,270_ -19,079_ 3,614
24
:yug s/ ;DklQ (-)/ 36L(+) -11,02,284_ 7,13,263 -2,58,004_
VoftL (-)/ VoftLdf sdL (+) – – –
v/Lbdf kmfO{bf (-)36L (+) – – –
PSr'/Lon gf]S;fg (-)lkmtf{{ (+) -46,56,470_ -11,60,014_ -20,65,822_
cGo(+/-) – – –
ljt/0f of]Uo gfkmf -39,36,371_ 13,94,490 7,61,613

gub k|jfx ljj/0f -/sd ?= xhf/df_
cf=a= cf=a= cf=a=
ljj/0f @)&$÷&% @)&%÷&^ @)&^÷&&
Aofh cfDbfgL !,!@,)@,!^@ !,%@,@!,$&) !,%),@@,#@)
z'Ns tyf cGo cfDbfgL !@,#%,(^( &,&*,@#! *,#%,#!^
nfef+z k|fKtL
cGo ;~rfng ultljlwaf6 k|fKtL @,%^,^&( *,^@,($( &,%%,@)@
Aofh vr{ -@(,&!,%*&_ -$(,%%,(**_ -&^,(!,)@^_
sldzg tyf z'Ns vr{ -!,*$,%#&_ -!,$),(^&_ -!,&%,(*#_
sd{rf/L vr{ - - -
cGo vr{ -#(,#^,@(@_ -$@,##,#$(_ -^,!@,#@^_
;~rfng ;DklQ / bfloTjsf] kl/jt{g cl3sf] ;~rfng gub k|jfx %^,)@,#(@ &%,#@,#$% @$,##,%)#
;~rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l4_ -!,$$,&^,%(#_ -#,#),^#,)^*_ -%(,#%,&$*_
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd -%%,&$,&^&_
a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft tyf nufgL #,@%,#&)
cGo Jofkfl/s ;DklQ - - -
a}+s tyf ljQLo ;+:yfx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L -$,%@,%^(_ -$,$(,^@)_ &(,*()
u|fxsnfO{ k|jfx u/]sf] shf{ tyf ;k6L -!,)!,&%,%%@_ -@,&!,$@,^**_ -*&,$&,^#*_
cGo ;DklQ -#%,)#,#&)_ -%$,&),&^)_ &(,*!,#(&
;~rfng ;DaGwL rfn" bfloTjdf j[l4÷-sdL_ !,)!,&%,%%@ @,$$,(!,(@) #,&*,%),&)^
a}+s tyf ljQLo ;+:yfx?nfO{ ltg{ afFsL -@@,@#,))@_ @%,^*,%)^ -%%,*!,%*)_
g]kfn /fi6« a}+snfO{ ltg{ afFsL /sd - - -
u|fxssf] lgIf]k bfloTj !,^$,&),)%( @,%),*$,@$@ $,@^,$*,)!(
;fk6L - - -
cGo bfloTj -$),&!,%)$_ -#!,^),*@&_ !&,*$,@^&
sf/f]af/ ;~rfngaf6 cfos/ cl3sf] v"b gub k|jfx !#,)!,#%! -!),#*,*)@_ #,$#,$*,$^!
cfos/ e'QmfgL -!$,!$,^#^_ -@@,$*,&&*_ -!%,#),#%*_
sf/f]af/ ;~rfngaf6 ePsf] v"b gub k|jfx -!,!#,@*%_ -#@,*&,%*!_ #,@*,!*,!)#
lwtf]kq nufgL vl/b -@,@^,)),())_ - -
lwtf]kq nufgLsf] laqmLaf6 k|fKtL - ^%,(&,^$* -#,$),$!,^#@_
;DklQ / pks/0fsf] vl/b -#,&^,&!&_ -#,$&,%*^_ -^,!#,%^!_
;DklQ / pks/0fsf] laqmLaf6 k|fKtL - -!$,*$%_ #@,&&%
cd"t{ ;DklQsf] vl/b -@%,$$*_ -!),^%^_
cd"t{ ;DklQsf] laqmLaf6 k|fKtL - -@&,@!!_ -
nufgL ;DklQsf] vl/b - - -
nufgL ;DklQsf] laqmLaf6 k|fKtL - - -
Aofh cfDbfgL ^!,)%,^%! -!%,$),&$!_ !&,&*,#!#
nfef+z cfDbfgL %@( #,!@! (#,*$)
nufgL sf/f]af/af6 ePsf] v"b gub k|jfx -!,^*,(^,**%_ $^,&),#*^ -#,@&,^),(@!_
C0fkq lgisfzgaf6 k|fKtL - - -
C0fkqsf] e'QmfgL - - -
c;'/lIft ;xfos cfjlws bfloTjsf] lgisfzgaf6 k|fKtL - - -
c;'/lIft ;xfos cfjlws bfloTjsf] e'QmfgL - - -
25
z]o/ lgisfzgaf6 k|fKtL - - -
nfef+z vr{ - - -!),*),%&%_
Aofh vr{ $,))( -!,!&,$$&_ -!!,!@&_
cGo cfDbfgL÷e'QmfgL &^,))) @,%(,)&# -&),(&%_
ljQLo >f]t sf/f]af/af6 ePsf] v"b gub k|jfx *),))( !,$!,^@^ -!!,^@,^&&_
gub k|jfxdf ePsf] v"b j[l4÷-sdL_ -!,^(,#),!^!_ !%,@$,$#) -!!,)%,$(%_
gub tyf gub ;dfgdf /x]sf] z'?jftL df}Hbft @,!(,$$,*%( ^^,&*,)$& *@,)@,$&*
ufleP/ /x]sf] gub tyf gub ;dfg !^,^#,#$(
gub tyf gub ;dfgdf ljlgdo b/df cfPsf] kl/jt{gaf6 ePsf] - - -
cfDbfgL÷vr{
gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft ^^,&*,)$& *@,)@,$&* &),(^,(*#
-#_ cfly{s aif{ ;dfKt ePsf] ^ dlxgf kZrft ljj/0fkq :jLs[tLsf] nflu k]z u/]df pQm cGtl/d cjlwsf] nflu n]vfkl/Ifsaf6 k|dfl0ft
u/]sf] ckl/is[t ljQLo ljj/0f M
/fli6«o jfl0fHo a}+s ln sf] cfly{s jif{ @)&&.&* sf] t];|f] q}dfzsf] ckl/is[t ljQLo ljj/0fx?
jf;nft -?=xhf/df_
cf=a=@)&&÷&*
;DklQ -r}q d;fGt_
gub tyf gub ;dfg 1,68,86,452
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd 1,34,35,461
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft tyf nufgL –
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f –
cGo Jofkf/Ls ;DklQx? –
a}+s tyf ljQLo ;+:yfnfO{ k|jfx u/]sf] shf{ tyf ;fk6L 1,16,61,254
u|fxsx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L 16,75,18,257
lwtf]kqdf u/]sf] nufgL 7,05,15,047
rfn" s/ ;DklQ 21,44,020
;xfos sDkgLdf nufgL 2,00,000
;Da4 sDkgLdf nufgL 55,000
;DklQdf nufgL 1,09,378
;DklQ / pks/0f 16,21,760
u'8jLn -VoftL_ / cd't{ ;DklQ 69,144
:yug s/ ;DklQ 3,29,395
cGo ;DklQ 49,52,102
s'n ;DklQ 28,94,97,270
bfloTj / k"FhL
a}+s tyf ljQLo ;+:yfnfO{{ ltg{ afFsL shf{÷;fk6L 64,62,084
g]kfn /fi6« a}+snfO{ ltg{ afFsL /sd 24,73,557
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f 81,378
;fk6L 60,169
rfn" s/ bfloTj –
Joj:yf /sdx? 3,41,386
:yug s/ bfloTj –
cGo bfloTjx? 1,25,37,559
hf/L ul/Psf] C0fkq –
c;'/lIft ;xfos cfjwLs bfloTj –
s"n bfloTj 26,26,81,628
k"FhL –
z]o/ k"FhL 91,84,891
z]o/ lk|ldod –
;l~rt d'gfkmf 33,99,751
hu]8f 1,42,31,000
26
z]o/wgLx?nfO{ afF8kmfF6 of]Uo s"n OlSj6L 2,68,15,642
hDdf k"FhL 2,68,15,642
hDdf bfloTj / k"FhL 28,94,97,270

cf=a=@)&&÷&*
ljj/0f -r}q d;fGt_
Aofh vr{ 59,08,721
v"b Aofh cfDbfgL 63,45,925
z'Ns tyf sldzg cfDbfgL 8,09,614
z'Ns tyf sldzg vr{ 1,53,050
v"b z'Ns / sldzg cfDbfgL 6,56,564
v"b Aofh, z'Ns / sldzg cfDbfgL 70,02,489
v"b Jofkfl/s cfDbfgL 1,22,640
cGo ;~rfng cfDbfgL 3,99,955
hDdf ;~rfng cfDbfgL 75,25,083
shf{df ;Defljt IftL Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgLx? -2,55,198_
v"b ;~rfng cfDbfgL 77,80,282
;~rfng vr{
sd{rf/L vr{ 23,10,888
cGo ;~rfng vr{ 8,81,399
x|f;s§L / kl/zf]wg 1,63,453
;~rfng d'gfkmf 44,24,541
u}/ ;~rfng cfDbfgL 2,47,009
u}/ ;~rfng vr{ –
;Da4 sDkgLsf] gfkmf –
cfos/ cl3sf] d'gfkmf 46,71,551
cfos/ vr{ 14,01,465
rfn" s/ vr{ 14,01,465
:yug s/ vr{ –
z]o/ ;+Vof -xhf/df_ 91,848
k|lt z]o/ cfDbfgL -?=_ 47.47
-$_ cfDbfgL / vr{sf] lx;fjdf s'g} lzif{sdf 7'nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M
;f] gePsf] .
-%_ kl5Nnf] ljQLo ljj/0fsf] n]vfkl/If0f eP kZrft ;+ul7t ;+:yfsf] sf/f]af/df, gfkmf gf]S;fg, ;DklQsf] d"No jf cfufdL !@ dlxgfsf]
bfloTj e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf ;[hgf ePsf] 5÷5}g ;f] ;DaGwdf ;+rfnsx?sf] 3f/0ff M
;f] gePsf] .
-^_ cfly{s aif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLs[tL x'g] ldlt ;Dddf jf;nftsf] ldlt kl5sf] 36gfsf]
af/]df 5'§} hfgsf/L ljj/0fkqdf ;dfj]z ug'{ kg]{ M
;f] gePsf] .
-&_ ljut % aif{df ;DklQsf] k'gd"{Nof+sg ul/Psf] 5/5}gMolb ul/Psf] eP -c_;DklQsf] ljj/0f-cf_ ;DklQsf] k"gd"{Nof+sg cl3 / kl5sf]
lstfjL d'No -O{_ k"gd{"Nof+sgsf] cf}lrTo M
;f] gePsf] .
-*_ cfufdL tLg aif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x? M
a}+ssf] cfufdL # jif{sf] nflu k|If]lkt ljQLo ljj/0f b]xfo adf]lhd /x]sf] 5 .
jf;nft -?= xhf/df_
;DklQ cf=a=2077÷78 cf=a=2078÷79 cf=a=2079÷80
gub tyf gub ;dfg 69,97,449 80,43,606 85,00,116
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd 1,22,33,869 1,37,01,933 1,53,46,165
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft tyf nufgL 24,06,000 25,26,300 26,52,615
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f - - -
27
cGo Jofkf/Ls ;DklQx? - - -
a}+s tyf ljQLo ;+:yfnfO{ k|jfx u/]sf] shf{ tyf ;fk6L 51,25,254 58,68,416 66,01,968
u|fxsx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L 17,49,36,244 20,10,90,162 22,66,69,773
lwtf]kqdf u/]sf] nufgL 8,22,47,102 9,04,71,812 9,95,18,994
rfn" s/ ;DklQ - - -
;xfos sDkgLdf nufgL 2,00,000 2,00,000 2,00,000
;Da4 sDkgLdf nufgL 97,858 97,858 97,858
;DklQdf nufgL 98,441 88,597 79,737
;DklQ / pks/0f 20,47,150 25,38,466 27,92,313
u'8jLn -VoftL_ / cd't{ ;DklQ 41,859 5,41,859 4,41,859
:yug s/ ;DklQ 5,19,184 5,71,102 6,28,212
cGo ;DklQ 1,09,79,129 74,93,952 93,47,222
s'n ;DklQ 29,79,29,539 33,32,34,063 37,28,76,832
bfloTj / k"FhL
a}+s tyf ljQLo ;+:yfnfO{{ ltg{ afFsL shf{÷;fk6L 13,67,076 16,40,491 19,68,590
g]kfn /fi6« a}+snfO{ ltg{ afFsL /sd 4,03,055 4,31,269 4,61,458
Jo"TkGg -8]l/e]l6e_ ljQLo pks/0f - - -
u|fxssf] lgIf]k bfloTj 25,85,27,037 28,95,50,281 32,42,96,315
;fk6L 69,074 79,435 91,350
rfn" s/ bfloTj 18,92,466 20,85,307 22,97,606
Joj:yf /sdx? 2,94,797 2,94,797 2,94,797
:yug s/ bfloTj - - -
cGo bfloTjx? 64,38,594 70,67,343 78,35,312
hf/L ul/Psf] C0fkq 25,00,000 25,00,000 25,00,000
c;'/lIft ;xfos cfjwLs bfloTj - - -
s"n bfloTj 27,14,92,099 30,36,48,923 339745428
k"FhL
z]o/ k"FhL 96,80,155 1,06,48,170 1,17,12,988
z]o/ lk|ldod
;l~rt d'gfkmf 38,51,676 45,53718 54,57,994
hu]8f 1,29,05,609 1,43,83,252 1,59,60,422
z]o/wgLx?nfO{ afF8kmfF6 of]Uo s"n OlSj6L - - -
hDdf k"FhL 2,64,37,440 2,95,85,140 3,31,31,404
hDdf bfloTj / k"FhL 29,79,29,539 33,32,34,063 37,28,76,832

ljj/0f cf=a=2077÷78 cf=a=2078÷79 cf=a=2079÷80
Aofh cfDbfgL 19,17,9228 2,15,79,843 2,43,70,940
Aofh vr{ 90,20,979 1,00,92,484 1,12,77,021
v"b Aofh cfDbfgL 1,01,58,249 1,14,87,359 1,30,93,919
z'Ns tyf sldzg cfDbfgL 9,26,984 10,83,280 12,48,871
z'Ns tyf sldzg vr{ 1,98,142 2,24,973 2,55,538
v"b z'Ns / sldzg cfDbfgL 7,28,842 8,58,307 9,93,333
v"b Aofh, z'Ns / sldzg cfDbfgL 1,08,87,091 1,23,45,666 1,40,87,251
v"b Jofkfl/s cfDbfgL 60,207 66,228 72,851
cGo ;~rfng cfDbfgL 6,64,721 7,64,429 8,79,093
hDdf ;~rfng cfDbfgL 1,16,12,019 1,31,76,323 1,50,39,195
shf{df ;Defljt IftL Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgLx? -91,850_ 1,07,840 3,42,555
v"b ;~rfng cfDbfgL 1,17,03,869 1,30,68,483 1,46,96,640
;~rfng vr{
sd{rf/L vr{ 39,49,744 44,79,612 50,54,647
cGo ;~rfng vr{ 15,17,785 16,98,423 19,01,452
x|f;s§L / kl/zf]wg 2,31,694 2,49,071 3,97,692
;~rfng d'gfkmf 60,04,646 66,41,377 73,42,849
u}/ ;~rfng cfDbfgL 303574 3,09,645 3,15,838
28
u}/ ;~rfng vr{ - - -
cfos/ cl3sf] d'gfkmf 63,08,220 69,51,022 76,58,687
cfos/ vr{ 18,92,466 20,85,307 22,97,606
rfn" s/ vr{ 18,92,466 20,85,307 22,97,606
:yug s/ vr{
o; cjlwsf] d'gfkmf 44,15,754 48,65,715 53,61,081
z]o/ ;+Vof -xhf/df_
k|lt z]o/ cfDbfgL -?=_ 45=62 45=70 45=77
gub k|jfx ljj/0f -?=xhf/df_
ljj/0f cf=a=2077÷78 cf=a=2078÷79 cf=a=2079÷80
Aofh cfDbfgL 1,59,95,982 1,83,17,900 2,07,82,802
z'Ns tyf cGo cfDbfgL 9,26,+984 10,83,280 12,48,871
nfef+z k|fKtL - - -
cGo ;~rfng ultljlwaf6 k|fKtL 10,28,502 11,40,302 12,67,782
Aofh vr{ -88,97,021_ -98,79,984_ -1,10,64,521_
sldzg tyf z'Ns vr{ -1,98,142_ -2,24,973_ -2,55,539_
sd{rf/L vr{ -39,49,744_ -44,79,612_ -50,54,647_
cGo vr{ -15,17,785_ -16,98,423_ -19,01,452_
;~rfng ;DklQ / bfloTjsf] kl/jt{g cl3sf] ;~rfng gub k|jfx 33,88,776 4,258,490 5,023,296
;~rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l4_ -2,61,70,661_ -2,51,08,107_ -3,02,79,534_
g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng'kg]{ /sd 56,71,819 -14,68,064_ -16,44,232_
a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft tyf nufgL -23,57,880_ -1,20,300_ -1,26,315_
cGo Jofkfl/s ;DklQ - - -
a}+s tyf ljQLo ;+:yfx?nfO{ k|jfx u/]sf] shf{ tyf ;fk6L -6,68,499_ -7,43,162_ -7,33,552_
u|fxsnfO{ k|jfx u/]sf] shf{ tyf ;k6L -2,40,36,357_ -2,62,61,758_ -2,59,22,166_
cGo ;DklQ -47,79,744_ 34,85,177 -18,53,270_
;~rfng ;DaGwL rfn" bfloTjdf j[l4÷-sdL_ 2,34,05,767 3,12,13,983 3,51,34,205
a}+s tyf ljQLo ;+:yfx?nfO{ ltg{ afFsL shf{÷;fk6L -9,11,384_ 2,73,415 3,28,098
g]kfn /fi6« a}+snfO{ ltg{ afFsL /sd 1,51,063 28,214 30,188
u|fxssf] lgIf]k bfloTj 2,76,99,325 3,10,23,244 3,47,46,034
;fk6L 9,009 10,361 11,915
cGo bfloTj -35,42,247_ -1,21,251_ 17,969
sf/f]af/ ;~rfngaf6 cfos/ cl3sf] v"b gub k|jfx 6,23,882 1,03,64,367 1,98,77,967
cfos/ e'QmfgL -25,88,332_ -19,44,384_ -21,42,417_
sf/f]af/ ;~rfngaf6 ePsf] v"b gub k|jfx 32,12,214 84,19,982 77,35,550
lwtf]kq nufgL vl/b -74,77,009_ -82,24,710_ -90,47,181_
lwtf]kq nufgLsf] laqmLaf6 k|fKtL - - -
;DklQ / pks/0fsf] vl/b -7,27,973_ -7,40,387_ -6,51,538_
;DklQ / pks/0fsf] laqmLaf6 k|fKtL - - -
cd"t{ ;DklQsf] vl/b 1,492 -5,00,000_ 1,00,000
nufgL ;DklQsf] vl/b - - -
nufgL ;DklQsf] laqmLaf6 k|fKtL 10,938 9,844 8,859
Aofh cfDbfgL 31,83,246 32,61,943 35,88,137
nfef+z cfDbfgL - - -
nufgL sf/f]af/af6 ePsf] v"b gub k|jfx -50,09,305_ -61,93,310_ -60,01,723_
C0fkq lgisfzgaf6 k|fKtL 25,00,000 - -
C0fkqsf] e'QmfgL - - -
c;'/lIft ;xfos cfjlws bfloTjsf] lgisfzgaf6 k|fKtL - - -
c;'/lIft ;xfos cfjlws bfloTjsf] e'QmfgL - - -
z]o/ lgisfzgaf6 k|fKtL - - -
29
nfef+z vr{ -6,75,360_ -9,68,016_ -10,64,817_
Aofh vr{ -1,23,958_ -2,12,500_ -2,12,500_
cGo cfDbfgL÷e'QmfgL - - -
ljQLo >f]t sf/f]af/af6 ePsf] v"b gub k|jfx 17,00,682 -11,80,516_ -12,77,317_
gub k|jfxdf ePsf] v"b j[l4÷-sdL_ -96,409_ 10,46,156 4,56,510
gub tyf gub ;dfgdf /x]sf] z'?jftL df}Hbft 70,93,859 69,97,450 80,43,606
gub tyf gub ;dfgdf ljlgdo b/df cfPsf] kl/jt{gaf6 ePsf] - - -
cfDbfgL÷vr{
gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 69,97,450 80,43,606 85,00,116
a}+sn] k|If]lkt ljQLo ljj/0f tof/ ubf{ tnsf a'bfFsf cfwf/df u/]sf] 5 M
-s_ a}ssf] efjL of]hgfx?, ljutsf aif{x?sf] sf/f]af/sf] j[l4, a}sn] u/]sf] cfDbfgL Pjd\ a}ssf] zfvf ;+hfn lj:tf/ ug]{ /0fgLlt,
rfn' jif{sf] k|ult tyf g]kfn ;/sf/4f/f k|If]lkt ljQLo cfFs8fnfO{ cfwf/ dfg]sf] 5 .
-v_ a}sn] shf{ lgIf]k cg'kft, Aofh b/ cGt/, j}wflgs t/ntf cg'kft, clgjfo{ gub df}Hbft, k"FhLsf]if cg'kft tyf lgis[o shf{
k|ltzt g]kfn /fi6« a+}sn] tf]s]sf] dfkb08 cg'?k sfod u/L laQLo ljj/0f k|If]k0f u/]sf] xf] .
-u_ ;+Defljt hf]lvd ;xh ?kdf axg ug{ kof{Kt kF"hL sf]if sfod ul/Psf] tyf dha't u|fxs cfwf/ / Joj;fodf xfl;n ul/Psf]
lg/Gt/ k|ultaf6 a}+ssf] pBf]udf bL3{sfnLg pkl:ylt ;'lglZrt b]lvG5 .
-3_ eljiodf x'g ;Sg] ;Defljt cg'dflgt kl/b[iosf] cfwf/df ljQLo ljj/0fsf] k|If]k0f tof/ u/]sf] xf] .
-v_ ljQLo cg'kft ;DaGwL ljj/0f M
-s_ ;~rfng cjlw tLg aif{ AotLt e};s]sf] cj:yfdf ljut tLg aif{sf] / tLg aif{ AotLt e}g;s]sf] cj:yfdf ;~rfng cjlwsf] tyf
cfufdL # aif{sf] k|If]lkt k|lt z]o/ cfDbfgL (EPS) tyf k|lt z]o/ g]6jy{ M
a}+ssf] ljut tyf cfufdL # cfly{s aif{sf] k|lt z]o/ g]6jy{, k|lt z]o/ cfDbfgL tyf ;+lrt gfkmf÷gf]S;fg ljj/0f M
jf:tljs k|If]lkt
ljj/0f cf=j= cf=j= cf=j= cf=a= cf=a= cf=a=
)&$÷)&% )&%÷)&^ )&^÷)&& )&&÷&* )&*÷&( )&(÷*)
k|lt z]o/ g]6jy{ -?=_ @!$ @$! @%^=#^ @&#=!! @&&=*$ @*@=*^
k|lt z]o/ cfDbfgL -?=_ $@=#( %*=!^ $*=&& $%=^@ $%=&) $%=&&
;+lrt gfkmf gf]S;fg -?= xhf/df_ -#&,!%,##)_ !*,)^,)*% *,!%,)*% #*,%!,^&^ $%,%#,&!& %$,%&,((%
a}+ssf] ljut # aif{sf] g]6jy{df ePsf] cf};t k|ltkmn tyf cfufdL # jif{sf] k|If]lkt cf}ift k|ltkmnsf] ljj/0f M
jf:tljs -?= xhf/df_ k|If]lkt -?= xhf/df_
ljj/0f cf=j= cf=j= cf=j= cf=a= cf=a= cf=a=
)&$÷)&% )&%÷)&^ )&^÷)&& )&&÷&* )&*÷&( )&(÷*)
r'Qmf k'+hL 90,04,795 90,04,795 90,04,795 96,80,155 1,06,48,171 1,17,12,988
;+lrt gfkmf gf]S;fg -37,15,330_ 18,06,085 *,!%,)*% 38,51,676 45,53,717 54,57,995
hu]8f tyf sf]ifx? 1,40,02,347 1,09,26,549 1,32,64,384 1,29,05,609 1,43,83,252 1,59,60,421
s'n 1,92,91,813 2,17,37,430 2,30,84,264 2,64,37,440 2,95,85,140 3,31,31,404
36fpg] M ckn]vg ug{ afFsL – – – – – –
vr{
s'n g]6jy{ 1,92,91,813 2,17,37,430 2,30,84,264 2,64,37,440 2,95,85,140 3,31,31,404
z]o/ ;+Vof -xhf/df_ 90,047 90,047 90,047 96,801 106,481 117,129
k|lt z]o/ g]6jy{ -?=_ 214 241 256=36 273=11 277=84 282=86
k|lt z]o/ cfDbfgL 42=39 58=16 48=77 45=62 45=70 45=77
g]6jy{df cf};t k|ltkmn 19=81% 24=13% 19=02% 16=70% 16=44% 16=18%
C0fkq hf/L kZrft g]6jy{df k|ToIf j[l4 gug]{
ljQLo k|If]k0fsf cfwf/ tyf tl/sfx? M
cf=a= cf=a= cf=a=
ljj/0f
2077÷78 2078÷79 2079÷80
lgIf]k a[l4b/ 12=00 % 12=00% 12=00%
shf{ tyf ;fk6 a[l4b/ 15=00% 14=50% 12=50%
shf{ lgI]fk cg'kft (CCD Ratio) 65=00 66=00 67=00
;+rfng vr{ a[l4b/ 12=00% 12=00% 12=00%
cfos/ b/ k|ltzt 30=00% 30=00% 30=00%
lgIf]ksf] nfut b/ 3=60% 3=60% 3=60%
30
cf}ift Aofh cfDbfgL b/ 7=57% 7=55% 7=58%
lgis[o shf{ k|ltzt 3=00% 2=50% 2=25%
k"FhLsf]if cg'kft (CAR) 12=79 12=89 12=96
a}wfgLs t/ntf cg'kft (SLR) 38=05 37=59 36=92
clgjfo{ gub df}Hbft (CRR) 5=00% 5=00% 5=00%
!= lgIf]k
g]kfn /fi6« a}+ssf] aflif{s ;f+lVosLo k|lta]bg cg';f/ a}+s tyf ljQLo ;+:yfx?sf] lgIf]k !% b]vL !* k|ltzt ;Dd j[l¢ ePsf] 5 . /fli6«o
Jffl0fHo a}+s lnld6]8n] ljutdf lgIf]kdf /fd|f] j[l¢ ePsf] lyof] . o; a}+s lgIf]k ahf/df cfs|fds /xb} lgIf]k j[l¢ ePsf] 5 . o;
k|If]k0fdf lgIf]k j[l¢ !@ k|ltztsf] xf/fxl/df j[l¢ x'g] cg'dfg lnPsf] 5 .
@= shf{ tyf ;fk6L
g]kfn /fi6« a}+ssf] aflif{s ;f+lVosLo k|lta]bg cg';f/ a}+s tyf ljQLo ;+:yfx?sf] shf{ tyf ;fk6L !&=% k|ltztn] j[l¢ ePsf] 5 . /fli6«o
Jffl0fHo a}+s lnld6]8n] ljutdf shf{ tyf ;fk6Ldf /fd|f] j[l¢ ePsf] lyof] . o; k|If]k0fdf CCD cg'kftsf] cg';f/ shf{ tyf ;fk6L j[l¢
!@=% b]lv !% k|ltzt ;Ddn] j[l¢ x'g] cg'dfg lnPsf] 5 . lgIf]k / shf{ tyf ;fk6Lsf] j[l¢sf] nflu CCD cg'kft &) k|ltzt cg'dfg
ul/Psf] 5 .
#= lwtf]kqdf u/]sf] nufgL
o; k|If]k0fdf lwtf]kqdf u/]sf] nufgLsf]j[l¢ !) k|ltztn] j[l¢ x'g] cg'dfg lnPsf] 5 . o; a}+ssf] 6«]h/L ljefun] ;ls|o ?kdf lwtf]kq
sf/f]af/df ;xeflutf ub}{ cfDbfgL ljljwLs/0f ub}{ /x]sf] 5 . ;fy}, g]kfn /fi6« a}+ssf] lgb]{zg kfngf ub}{ sf/f]af/ u/]sf] 5 .
$= cf};t Aofh b/x? -lgIf]k / shf{_
o; k|If]k0fdf cf}ift lgIf]kAofh b/ #=^ k|ltzt x'g] / shf{ Aofhb/ &.%& k|ltzt b]lv &.%* k|ltzt x'g cg'dfg lnPsf] 5 . ljutsf]
k|j[lQsf] cfwf/df o; k|If]k0fdf dfly pNn]lvt Aofh b/ cg'dfg ul/Psf] xf] . o; Aofhb/ cg'dfg ul/Psf] d'Vo sf/s Aofh k|;f/ b/
$=@* k|ltzt b]lv #=( k|ltzt eP/ xf] .
%= a}wfgLs cfjZostf / cg'kftx?
clgjfo{ gub df}Hbft (CRR) % k|ltzt cg'dfg ul/Psf] 5 . ljutnfO{ x]bf{ o; a+}sn] ;/sf/L lwtf]kqdf kof{Kt nufgL u/]sf]n] a}wfgLs
t/ntf cg'kft (SLR) #) k|ltzt eGbf pRr cg'dfg ul/Psf] 5 . ;fy}, cfos/ b/ k|ltzt #) k|ltzt cg'dfg ul/Psf] 5 .
^= ;+rfng vr{ / sd{rf/L vr{ a[l4b/
ljutsf] k|j[lQsf] cfwf/df o; k|If]k0fdf ;+rfng vr{ !@ k|ltztn] j[l¢ x'g] cg'dfg lnPsf] 5 . ;fy}, sd{rf/L vr{ !# k|ltzt b]lv !%
k|ltzt ;Dd j[l¢ x'g] cg'dfg lnPsf] 5 .
dfly pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf] ljQLo ahf/sf] l:ylt, lgisfzgstf{
sDkgLsf]] ljutsf aif{x?sf] sf/f]jf/sf] j[l4, efjL of]hgfx? Pjd\ zfvf ;+hfn lj:tf/ ug{] /0fgLlt, xfnsf] bIftf / lgisfzgstf{
sDkgLn]] k|fKt u/]sf] xfn;Ddsf] sfo{ k|ultsf] cfwf/df k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL k|dfl0ft ug]{ ljz]i f1 >L Madan Niraula
& Co.sf rf6{8{ PsfpG6]G6 >L dbg s'df/ lg/f}nf /xg' ePsf] 5 . a}+sn] shf{ lgI]fk cg'kft, ;+rfng vr{ a[l4b/, lglZs|o shf{ k|ltzt ,
clgjfo{ gub df}Hbft, a}wfgLs t/ntf cg'kft tyf k"FhLsf]if cg'kftsf ;fy} g]kfn /fi6« a}+sn] tf]s]sf] dfkb08 cg'?k sfod u/L ljQLo
ljj/0fsf] k|If]k0f u/]sf] xf] .
u=!)= lwtf]kq lgisfzg ;DaGwL ljj/0f M
-s_ lwtf]kq hf/L ug'{sf] p2]Zo M
c_ sDkgLsf] k|aGwkq tyf lgodfjnLdf pNn]v ul/Psf p2]Zox? cg'?k ug'{kg]{ sfd sf/f]af/sf nflu cfjZos kg]{ k"FhL h'6fpg .
cf_ a}s
+ sf] kF"hLsf]if a[l4 ug{ .
-v_ lwtf]kq lgisfzgaf6 k|fKt k"FhLsf] pkof]uM
-!_ lgisfzgaf6 k|fKt x'g] s"n /sdnfO{ s;/L / s'g If]qdf k|of]u ul/g] 5 tT;DalGw ljj/0f M
C0fkq lgisfzg u/L k|fKt x'g] k"FhL sDkgL P]g, g]kfn /fi6« a}+s P]g tyf cGo k|rlnt sfg"g sf] clwgdf /xL a}+ssf] Aoa;flos
k|of]hgdf pkof]u ul/g] 5 . C0fkq hf/L u/L k|fKt x'g] C0f kF"hLsf] pkof]u ;DaGwdf b]xfo cg';f/ pNn]v ul/Psf] 5 .
l;=g+= ljj/0f k|ltzt /sd -?=_
1= shf{ nufgL tyf Joj;fo lj:tf/ 100Ü @,%),)),)),)))÷–
hDdf 100Ü @,%),)),)),)))÷–
-@_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|fKtL ug{sf] nflu ckgfOg] a}slNks Joj:yf M
;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|flKt ug{sf nflu JolQmut tj/af6 laqmL
ul/g]5 .
-#_ cfof]hgfsf] ;+rfng :yfg,cfof]hgf r/0fa4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{,s'g} r/0f ;dfKt e};s]sf] eP ;f]
;DaGwL ljj/0fM ;f] gePsf] .
-$_ cfof]hgf ;DkGg x'g], kl/If0f pTkfbg z'? x'g] / k"0f{ Jofj;flos pTkfbg z'? x'g] cg'dflgt ldltM ;f] gePsf] .
-%_ ;+ul7t ;+:yfn] s'g} pks/0f vl/b u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"No jf k|:tfljt d"No, ;Knfo;{sf] gfd / ;Knfo;{;Fu
;Demf}tf ePsf] eP ;f] sf] d"Vo d"Vo a"Fbfx? M lgoldt ah]6 cGt/ut vl/b ul/g] jfx]s cGo gePsf] .
-^_ s'g} kf6L{;Fu k|ltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, /f]oN6L, ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws ;Demf}tf ul/Psf] eP ;f] sf] k| d'v
zt{x? / kf6L{sf] gfd, 7]ufgf ;DaGwL lj:t[t ljj/0f M ;f] gePsf] .
-&_ pTkfbg ;DaGwL cfof]hgf eP, ;f] sf] k|s[lt, k|of]ustf{, k|lt:kwf{, nlIft ;d"x, pTkfbg Ifdtf, ljut aif{x?sf] Ifdtf pkef]u jf
31
eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M ;f] gePsf] .
-*_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M ;f] gePsf] .
-(_ cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M ;f] gePsf] .
-!)_ ;fj{hlgs lgisfzgsf] nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Nsx? 5'§f5'§} ?kdf k|:t't ug'{ kg]{
-c_ lgisfzg tyf laqmL k|aGws— o; ljj/0fkq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fdf laqmL ul/g] C0fkqsf] lgisfzg tyf laqmL
k|aGws ;DaGwL sfo{ ug{sf nflu lgo'Qm >L PgcfO{laPn P; Soflk6n lnld6]8nfO{ pQm ;]jf k|bfg u/] afkt ?=$,*),)))÷— -
cIf]?kL rf/ nfv c;L xhf/ ?k}+of dfq_ ;]jf z'Ns afkt e'QmfgL lbOg]5 .
-cf_ 6«i6L -l8j]Gr/ lgisfzgsf] xsdf_— l8a]Gr/ 6«i6Lsf] ;]jf k|bfg u/] afkt >L PgcfO{laPn P; Soflk6n lnld6]8nfO{ aflif{s
?=@%,)))÷— -cIf]?kL klRr; xhf/ ?k}+of dfq_ ;]jf z'Ns afkt e'QmfgL lbOg]5 .
-O_ qm]l86 /]l6Ë z'Ns —s]o/ /]l6Ë g]kfn lnld6]8nfO{ l8a]Gr/ lgisfzgsf] nflu qm]l86 /]l6Ë ;]jf k|bfg u/] afkt Psd'i7
?=(,)$,)))÷—-cIf]?kL gf} nfv rf/ xhf/ dfq_ s/ ;d]t / C0fkq cjlw ;Ddsf] nflu k|lt aif{sf] ;f]xL jif{df lgwf{l/t u/]
adf]lhd x"g]5 .
-O{_ k|Tofe"ltstf{— ;f] gePsf] .
-p_ lj1x?—ljQLo k|If]k0f k'g/fjnf]sg u/L k|dfl0ft ug]{ lj1nfO{ ? @,*@,%))÷— s/ ;lxt -cIf]?kL b"O{ nfv jof;L xhf/ kf¤r ;o
dfq_ .
-pm_ n]vfk/LIfs— o; ;fj{hlgs lgisfzgsf] nflu n]vfkl/IfsnfO{ e'QmfgL gul/Psf] .
-P_ cGo -h:t} ;+sng s]Gb|, lgisfzg a}+s cflb_— ;f] gePsf] .
-u_ ;fj{hlgs lgisfzgaf6 k|fKt /sdnfO{ cfof]hgfdf k|of]u ug{ k"j{ cGo s'g} Joj:yf ug{ nfluPsf] 5 eg] tT;DaGwL ljj/0fM
;f] gePsf] .
-3_ lk|ldoddf lwtf]kq hf/L ug]{ ePdf M ;f] gePsf] .
-ª_ lwtf]kq afF8kmfF8, lkmtf{ e'QmfgL tyf ;"lrs/0f ;DaGwL Joj:yf M
-!_ cToflws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmfF8sf] k|s[of M
o; ljj/0fkq dfkm{t hf/L ul/Psf] C0fkq ;+Vof eGbf a9L ;+Vofdf C0fkq vl/bsf] nflu b/vf:t k|fKt x'g cfPdf g]kfn
lwtf]kq af]8{sf] k|rlnt lwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$ df ePsf] Joj:yf cg';f/ C0fkq afF8kmFf8 ul/g]5 /
C0fkq afF8kmfF8 ;DaGwL ;"rgf /fli6«o :t/sf] b}lgs klqsfdf k|sflzt ul/g]5 . olb s'g} kIfn] -JolQmut tj/÷;j{;fwf/0f_
;f] kIfnfO{ 5'6\ofPsf] C0fkq vl/b gu/]df ;f] C0fkq csf]{ kIfnfO{ -JolQmut tj/÷;j{;fwf/0f_ vl/b ug]{ Joj:yf ul/g]5 .
-@_ cToflws dfu ePsf] jf afF8kmfF6 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DaGwL Joa:yf M
o; ljj/0fkq dfkm{t hf/L ul/g] C0fkqsf] nflu ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#Æ cg'?k l;–
cf:jf (C-ASBA);b:o a}+s tyf ljQLo ;+:yfaf6 dfq cfj]bg lbg ;Sg]5 / cfj]bsx?sf] afF8kmfF6df gk/]sf] C0fkq afkt
/sd ;DalGwt a}+s tyf ljQLo ;+:yfn] cfj]bsn] cfj]bg ubf{sf] avt /f]Ssf /fv]sf] vftfsf] /sd dfq km's'jf u/L lkmtf{
e'QmfgL ul/g]5 .
-#_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Aofhb/ M
pk/f]Qm Joj:yf l;–cf:jf (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yfaf6 cfj]bg lbg] cfj]bsx?sf] xsdf nfu' x'g] 5}g .
JolQmut tj/af6 cfj]bg lbg] cfj]bsx?sf] xsdf cfj]bg lbPsf] ldlt b]lv afF8kmfF8 ePsf] ldlt ;Dd a}+sn] tf]s] adf]lhdsf]
Aofh e'QmfgL lbOg]5 .
-$_ lwtf]kqsf] afF8kmfF6 tyf k|df0fkq hf/L ;DaGwL k|s[of / ;dofjlwM
o; ljj/0fkq cg';f/ hf/L ul/Psf] C0fkqx? lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# tyf lwtf]kq lgisfzg tyf
afF8kmfF8 lgb]{lzsf, @)&$ df ePsf] Joj:yf cg';f/ lgwf{l/t ;doleq afF8kmfF8 u/L k|rlnt Joj:yf cg';f/ lgwf{l/t
cjlwleq afF8kmfF8af6 sfod ePsf C0fkqwgLx?nfO{ lghx?sf] lxtu|fxL (Demat) vftfdf hDdf u/Lg] 5 . ;fy},
C0fkqwgLx?n] k|To]s cw{jflif{s cjlwdf k|fKt ug]{ Aofhsf] lx;fasf nflu Aofhb/sf] s'kg k|bfg u/Lg] 5 / ;f]xL s'kgdf
pNn]v eP adf]lhd C0fkqwgLx?nfO{ Aofh e'QmfgL ul/g] 5 .
-%_ lwtf]kq ;"lrs/0f e};s]sf] eP, To:tf] lwtf]kq ;"rLs/0f ul/Psf] lwtf]kq ahf/sf] gfd / lwtf]kq sf/f]jf/ z'? x'gsf] nflu
;+ul7t ;+:yfn] k'/f ug'{ kg]{ zt{x? ;DaGwL ljj/0f M
a}ssf] xfn sfod /x]sf] z]o/ g]kfn :6s PS;r]Ghdf ;"lrs/0f g/x]sf] . o; ljj/0fkq dfkm{t lgisfzg u/Lg] C0fkq
afF8kmfF8 kZrft ;"lrs/0f u/Lg] 5 .
-^_ lwtf]kq ;"lrs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kqx? k|rlnt P]g, lgod cg';f/ ;xh v/Lb
laqmL jf lalgdo x'g ;Sg] u/fpgsf] nflu ul/g] Joj:yf ;DaGwL ljj/0f M
o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# tyf k|rlnt lwtf]kq lgisfzg
tyf afF8kmfF8 lgb]{lzsf, @)&$ ;DaGwL Joj:yf cg';f/ C0fkqsf] afF8kmfF8 u/] kZrft g]kfn :6s PS;r]Gh lnld6]8 tyf
l;l8P; P08 lSnol/Ë lnld6]8df k|rlnt Joa:yf cg';f/ ;"lrs/0f tyf btf{ u/fO{{ C0fkqsf] vl/b laqmL tyf /fkm;fkmsf]
nflu cfjZos Joj:yf ldnfOg]5 .
-r_ k|Tofe"lt ;DaGwL ljj/0f M
-!_ lwtf]kq k|Tofe"lt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|Tofe"lt ug]{ lwtf]kqsf] ;+Vof / /sd M ;f] gePsf] .
-@_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo aF"bfx? M;f] gePsf] .
-5_ cfj]bg lb+bf Wofg lbg' kg]{ s'/fx? M
32
-!_ lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/,nfef+z, xsk|b z]o/, lwtf]kqjfnfsf] clwsf/df kl/jt{g ug]{
k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL ljj/0f M
lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, lwtf]kqjfnfsf] clwsf/df kl/jt{g ug]{ k|s[of tyf lwtf]kqsf]
vf/]hL cflb ;DaGwL Joj:yf k|rlnt sfg"g adf]lhd x'g]5÷ul/g]5 . ;fy} o; ljj/0fkq dfkm{t lgisfzg ul/Psf] C0fkq vl/bsf
nflu cfj]bg u/L afF8kmfF8 eP kZrft sfod C0fkqwgLx?n] sDkgLsf] aflif{s ;fwf/0f ;efdf efu lng / dtbfg ug{ kfpg] 5}gg\ .
-@_ lgodfjnL, k|aGwkq k|fKt ug]{ jf x]g{ ;Sg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof / ;f] eGbf dfly lng] ePdf s'g
u'0ffÍdf lng ;Sg] xf] ;f] ;DaGwL ljj/0f M
-s_ o; sDkgLsf] k|aGwkq tyf lgodfjnL sfof{no ;do leq a}+ssf] /lhi68{ sfof{no, l;+xb/jf/ Knfhf, sf7df08f}+, lwtf]kq
lgisfzg tyf laqmL k|aGws PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}+df ;Dks{ /flv x]g{ jf k|fKt ug{
;lsg]5 .
-v_ o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq vl/bsf nflu b/vf:t lbFbf b/vf:tjfnfn] Go"gtd @%-kRrL;_ lsQf / clwstd
@,%),))) -b'O{ nfv krf; xhf/_lsQf C0fkq vl/bsf nflu cfj]bg lbg ;Sg]5g\ . Go"gtd @% -kRrL;_ lsQf eGbf a9L
C0fkq vl/b ug{sf nflu ! c+ssf] u'0ffÍdf clwstddf @,%),))) -b'O{ nfv krf; xhf/_ lsQf C0fkq vl/b ug{sf nflu
b/vf:t lbg ;lsg]5 . t/ JolQmut tj/ (Private Placement) af6 laqmL ul/g] C0fkqsf] xsdf clwstd\ xb nfu' x'g] 5}g .
-u_ o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq vl/b ug{sf nflu b/vf:t lbFbf b/vf:tjfnfn] b/vf:t ;fy cfkm"n] vl/b ug{
rfx]sf] C0fkq ;+Vofsf] k|lt C0fkq ?=!,)))÷—-Ps xhf/_ sf b/n] x'g cfpg] Psd'i7 /sd g]kfn lwtf]kq af]8{af6
Ohfhtkq k|fKt ;L cf:jf (C-ASBA);b:o a}+s tyf ljQLo ;+:yfdf hDdf u/L cfj]bg lbg' kg]{5 . t/ JolQmut tj/
(Private Placement) af6 laqmL ul/g] C0fkqsf] xsdf lgisfzg sDkgL jf lwtf]kq lgisfzg tyf laqmL k|aGws dfkm{t
lnlvt ?kdf ;xdtL hgfO{ vl/b ug{ ;Sg]5g\ .
-#_ cfj]bg lb+bf kfngf ug'{kg]{ zt{ aGb]hx? h:t} Ps eGbf a9L b/vf:t lbg gkfOg], nufgLstf{sf] klxrfgsf] nflu
gful/stf÷hGdbtf{sf] k|dfl0ft k|df0fkqsf] k|ltlnlk k]z ug'{kg]{ jf lwtf]kq bnfn Joj;foLn] lbPsf] u|fxssf] kl/ro gDa/ /
;DalGwt Joj;foLsf] gfd v'nfpg'kg]{ / a}+s vftf dfkm{t sf/f]af/ ul/g'kg]{ h:tf kIfx? M
-s_ s'g} klg ;j{;fwf/0f g]kfnL gful/ssf ;fy} g]kfnL ;+3 ;+:yf jf sDkgLn] o; ljj/0fkq dfkm{t hf/L ul/g] C0fkq vl/bsf
nflu b/vf:t lbg ;Sg]5g\ . lgisflzt ;Dk"0f{ C0fkqsf nflu $ -rf/_ sfo{ lbg ;Dddf ;j{;fwf/0f g]kfnL gful/saf6
cfj]bg k|fKt gePsf] v08df dfq g]kfnL ;+3;+:yf jf sDkgLn] cfj]bg lbg kfpg]5 .
-v_ b/vf:t lb+bf g]kfn lwtf]kq af]8{af6 Ohfhtkq k|fKt ;L cf:jf (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yf dfkm{t cfj]bg
kmf/fd a'emfpg' kg]{5 / ;f]xL ;+:yfaf6 pknAw u/fO{g] cfj]bg kmf/fddf pNn]lvt ;Dk"0f{ ljj/0fx? :ki6 ?kdf pNn]v ug'{kg]{5
. ;f] ;DaGwL cGo k|s[of tyf z'Ns ;DaGwL Joj:yf ;DalGwt ;L cf:jf (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yfn] cfkm\gf]
sfof{nosf] ;"rgfkf6L, j]a;fO6 jf /fli6«o :t/sf] b}lgs kqklqsfdf k|sflzt u/L tf]s] adf]lhd x'g]5 .
-u_ cfj]bsn] cfj]bg lbFbf ;L cf:jf (C-ASBA);b:o a}+s tyf ljQLo ;+:yfdf /x]sf] cfjb]g afktsf] /sd /f]Ssf /flvg] vftf
cGo s'g} k|sf/n] /f]Ssf /x]sf] jf lgis[o /x]sf] x'g' xF'b}g .
-3_ Ps JolQmn] cfkm"n] vl/b ug{ rfx]sf] C0fkqsf] nflu Ps eGbf a9L b/vf:t lbg kfpg] 5}g . olb Ps JolQmsf] gfddf Ps
eGbf a9L b/vf:t k|fKt x'g cfPdf ;Dk"0f{ b/vf:tnfO{ /4 u/Lg] 5 .
-ª_ l/tk"j{s k|fKt gePsf] cfj]bgnfO{ C0fkq afF8kmfF8df ;dfj]z ul/g] 5}g / ;f] sf] lhDd]jf/ cfj]bs÷;DalGwt ;L cf:jf (C-
ASBA) ;b:o a}+s tyf ljQLo ;+:yf :jo+ x'g]5 .
-r_ C0fkq vl/bsf nflu b/vf:t lbFbfsf] cj:yfdf jf b/vf:t lbO{ ;s]kl5 vl/b u/]sf] C0fkq afktsf] /sd e'QmfgL gx'Fb}
k|rlnt sfg"g adf]lhd clwsf/ k|fKt clwsf/L jf lgsfoaf6 nufgLstf{sf] vftf /f]Ssf /fVg] cfb]z k|fKt ePdf lgisfzg tyf
laqmL k|aGwsn] To:tf] cfj]bg kmf/fdnfO{ /2 u/L ;f] sf] hfgsf/L ;DalGwt ;L cf:jf (C ASBA);b:o a}+s tyf ljQLo
;+:yfnfO{ u/fpg] 5 .
-5_ ?=%,)),)))÷– ;Ddsf] nflu cfj]bg lbg] cfj]bsn] :j]lR5s ?kdf / ;f]eGbf a9L /sdsf] nflu cfj]bg lbg] cfj]bsn] clgjfo{
?kdf cfj]bgdf cfkm\gf] :yfoL n]vf gDa/ (PAN)v'nfpg'kg]{5 . o; cltl/Qm ?=%,)),)))÷– jf ;f]eGbf a9L /sd cfj]bg
lbg] cfj]bsx?n] cfkm"n] cfj]bg lbFbf hDdf u/]sf] /sd ;DklQ z'4Ls/0f P]gsf] alv{nfk x'g] u/L cfh{g gu/]sf] egL pb\3f]if0f
ug'{kg]{5 .
JolQmut tj/ (Private Placement) af6 laqmL u/Lg C0fkq vl/b ug{ rfxg] cfj]bsx?n] kfngf ug{‘kg{] d'Vo s'/fx? M
-!_ s'g} klg g]kfnL ;+3 ;+:yfn] o; ljj/0fkq cg';f/ hf/L ul/g] C0fkq vl/b ug{ cfj]bg lbg ;Sg]5g\ . cfj]bsn] cfkm"n] lng
rfx]sf] C0fkq, clwstd l;df v'Ng] u/L o;} a}+ssf] laqmL k|aGwsnfO{ lnlvt ?kdf lgj]bg k]z ug'{kg]{ 5 .
-@_ cfj]bg lbFbf cfkm"n] vl/b ug{ rfx]sf] C0fkq ;+Vof / To;sf] /sd v'nfO{ cfj]bg lbg'kg]{5 .
-#_ cfj]bg kmf/fd g]kfnL tyf c+u|]hL b'j} efiffdf k]z ug'{kg]{5 .
-$_ cfj]bsn] cfj]bg;fy cfkm"n] vl/b ug{ rfx]sf] C0fkq ;+Vofsf] k|lt C0fkq ?=!,)))÷— sf] b/n] x'g cfpg] /sd a/fa/sf]
PgcfO{laPn P; Soflk6n lnld6]8sf] gfddf lvlrPsf] a}+s Psfp06 k]oL r]s ;+nUg ePsf] x'g'kg]{5 . o;/L r]s dfkm{t /sd
a'´fpg' x'g] cfj]bsx?n] cfj]bgdf ;f] r]ssf] gDa/ / r]ssf] k5fl8 cfj]bssf] gfd clgjfo{ ?kdf v'nfpg' kg]{5 . o;sf]
cnfjf, lgj]bsn] PgcfO{laPn P; Soflk6n lnld6]8sf] gfddf A/C Transfer u/L Credit Advice lgj]bgsf] ;fydf ;+nUg
klg ug{ ;Sg] 5 .
-%_ sDkgL jf ;+:yfn] C0fkqsf nflu cfj]bg lbFbf sDkgL jf ;+:yfsf] btf{ k|df0fkqsf] k|ltlnlk / nufgL ug]{ ;DaGwdf ;+rfns
;ldltsf] lg0f{o ;dfj]z u/]sf] x'g'kg]{5 .
-^_ ?=%,)),)))÷– ;Ddsf] nflu cfj]bg lbg] cfj]bsn] :j]lR5s ?kdf / ;f]eGbf a9L /sdsf] nflu cfj]bg lbg] cfj]bsn] clgjfo{
?kdf cfj]bgdf cfkm\gf] :yfoL n]vf gDa/ (PAN)v'nfpg'kg]{5 . o; cltl/Qm ?=%,)),)))÷– jf ;f]eGbf a9L /sd cfj]bg
33
lbg] cfj]bsx?n] cfkm"n] cfj]bg lbFbf hDdf u/]sf] /sd ;DklQ z'4Ls/0f P]gsf] alv{nfk x'g] u/L cfh{g gu/]sf] egL pb\3f]if0f
ug'{ kg]{ 5 .
u=!! ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M
lgisfzgstf{ ;+ul7t ;+:yf / lgDglnlvt kIf aLr ljut @ aif{sf] cjlwdf s'g} k|sf/sf] a:t'ut sf/f]jf/ ePsf] jf s'g} sf/f]jf/ ug{
k|:tfj ul/Psf] eP sf/f]jf/df ;+nUg JolQmx?sf] gfd, ltgLx?sf] ;+ul7t ;+:yf;Fusf] ;DaGw, sf/f]af/sf] k|s[lt / /sd M
-s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfnssf] ?kdf /x]sf] JolQm M sf/f]af/ gePsf] .
-v_ cfwf/e"t z]o/wgL Msf/f]af/ gePsf] .
-u_ v08 -s_ / -v_ df pNn]lvt s'g} JolQmsf] Psf3/ kl/jf/ ;b:o M sf/f]af/ gePsf] .
-3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfns jf cfwf/e"t z]o/wgLn] #) k|ltzt jf ;f] eGbf a9L dtflwsf/ x'g] u/L z]o/
:jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yf M;f] gePsf] .
-ª_ ;+ul7t ;+:yf jf To;sf] ;xfos sDkgLn] xfnsf] ;+rfns jf lghsf] Psf3/sf] kl/jf/sf] ;b:osf nflu s'g} sf/f]jf/ jf ;Demf}tf
u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # aif{ cufl8sf] cjlwdf ;+:yfsf] ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf]
;b:osf nflu s'g} sf/f]jf/ jf ;Demf}tf u/]sf] eP ;f] s'/f M s'g} sf/f]jf/ jf ;Demf}tf u/]sf] 5}g .
-r_ s'g} ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP pQm C0f ;DaGwL lj:t[t ljj/0f
h:t} C0f afkt lnPsf] /sd, C0fsf] Aofhb/, C0f lnPsf] ldlt, C0f e'QmfgL cjlw cflb s'/f ljj/0fkqdf v'nfpg' kg]{ M
s'g} C0f sf/f]af/ u/]sf] 5}g .
u=!@=ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f M
ljb]zL nufgL / Joj:yfkgdf ;+ul7t ;+:yf ;+rfng x'g] eP ;f] sf] ljj/0fsf ;fy} ;DalGwt ;Demf}tfsf] d'Vo tyf tflTjs a'Fbfx? M
;f] gePsf] .
u=!#= ;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] sf] ljj/0f M
-s_ ;+ul7t ;+:yfsf] ljut # cfly{s aif{sf] k|To]s q}dfl;s cjlwsf] pRrtd,Go"gtd, clGtd ahf/ d"Nosf ;fy} sf/f]jf/ ePsf] z]o/ ;+Vof
M a}ssf] xfn sfod /x]sf] z]o/ g]kfn :6s PS;r]Ghdf ;"lrs/0f g/x]sf] .
-v_ af]8{df ljj/0fkq btf{sf] nflu k|:t't ug'{ eGbf ^ dlxgf cufl8sf] cjlwsf] dfl;s ?kdf pRr, Go"g / clGtd d"Nosf ;fy} k|To]s
dlxgfdf sf/f]jf/ ePsf] s"n lbg / s'n sf/f]af/ ePsf] lwtf]kq ;+Vof M
a}ssf] xfn sfod /x]sf] z]o/ g]kfn :6s PS;r]Ghdf ;"lrs/0f g/x]sf] .
u=!$=kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M
;+ul7t ;+:yfn] o; eGbf cufl8 lwtf]kq lgisfzg ubf{ tof/ u/]sf] ljj/0fkq jf cGo ljj/0fx?df pNn]vLt ul/Psf nIo tyf
sfo{qmdx? tyf v'b d'gfkmf xfl;n ug{ ;s]÷g;s]sf], g;s]sf] cj:yfdf nIo tyf sfo{qmdsf ;fy} ljj/0fkq jf cGo ljj/0fx?df
k|If]lkt v'b d'gfkmf eGbf aL; k|ltzt jf ;f] eGbf a9Ln] Go"g x'g uPsf] eP o;/L km/s kgf{sf] sf/0fM
o; C0fkq lgisfzg eGbf cl3 a}+sn] s'g} klg ;fj{hlgs z]o/ lgisfzg gu/]sf] .
u=!%=k/fdz{bftf÷ laz]if1 ;DaGwL ljj/0fM
-s_ n]vfk/LIfs, k|d'v a}+s, lgisfzg sfo{;Fu ;+nUg a}+s, k|If]lkt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1 cflbsf] gfd tyf 7]ufgf M
 n]vfk/LIfs
o; a}+ssf] cf=a=)&%÷)&^ sf] a}wfgLs n]vfk/LIfs sdn axfb'/ lrqsf/ / dx]z s'df/ u'/fufO{ +/xg' ePsf] 5 . cfly{s jif{
@)&^÷)&& sf] nflu n]vfk/LIfs dx]z s'df/ u'/fufO{+ / k|e' /fd e08f/L /xg' ePsf] .
 k|d'v a}+s
o; lgisfzgsf] nflu k|d'v a}+ssf] Joj:yf ul/Psf] 5}g .
 lgisfzg sfo{;Fu ;+nUg a}+s
ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#Æ k"0f{ ?kdf nfu' eO{;s]sf] ;Gbe{df of] Joj:yf nfu" gx'g] .
 k|If]lkt ljQLo ljj/0f tof/ kfg]{ la1
o; ljj/0fkqdf pNn]v ul/Psf] a}ssf] /0fgLlts of]hgf / ljQLo k|If]k0fsf] ljj/0f a}s cfkm}n] tof/ u/]sf] xf] .
 k|If]lkt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1sf] gfd tyf 7]ufgf
o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ;f]
cfwf/df tof/ ul/Psf ljQLo k|If]k0fsf ljj/0f oyfy{k/s /x]sf] egL k|dfl0ft ug]{ laz]if1df Madan Niraula & Co. sf
FCA >L dbg s'df/ lg/f}nf /x]sf 5g\ .
-v_ dfly v08 !%-s_ df pNn]lvt ;+:yf jf JolQm;Fu ;xdltsf d'Vo d'Vo a'Fbf tyf zt{x?M ;f] gePsf] .
u=!^= cfof]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisfzg afx]s cGo ljQLo >f]tx? k|of]u ul/Psf] 5÷5}g, tT;DaGwL ljj/0fM
nfu" gx'g] .
u=!&= d'2f tyf ljjfb ;DaGwL ljj/0f M
-s_ ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;+rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2fdfldnf jf ljjfb eP ;f] ;DaGwL ljj/0f
tyf pk/f]Qm d'2f jf ljjfbsf] sf/0faf6 kg{ ;Sg] k|efj ;DaGwdf Joj:yfkgsf] wf/0ffM
;f] gePsf] .
-v_ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;+rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL ljj/0fM
xfn ;Dd ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;+rfnsn] jf nfO{ d'2f bfo/ ul/Psf] 5}g .
34
-u_ ljut kfFr aif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;+rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf cfly{s sf/0faf6 s'g} lgodg
lgsfo jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;+:yfks÷;+rfnssf] gfd / ;hfo ug]{ lgodg lgsfo jf cbfntsf] gfd pNn]v
ug'{ kg]{M
;f] gePsf] .
-3_ ;+ul7t ;+:yf a}+s jf ljQLo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf], lwtf]kqjfnfx?sf] s'g} /sd
e'QmfgL gul/Psf] eP tT;DaGwL ljj/0fx?M
;f] gePsf] .
u=!*= u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[ofM
o; ;fj{hlgs lgisfzg ;DaGwdf nufgLstf{x?sf] u'gf;f] ;'Gg / ;f] sf] ;dfwfgsf] nflu lwtf]kq lgisfzg tyf laqmL
k|aGwssf] sfof{no PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df8f}+df Ps ljz]if sIfsf] Joj:yf ul/Psf] 5 . s'g}
klg nufgLstf{n] o; lgisfzg;Fu ;DalGwt ljifodf s'g} u'gf;f] jf ;'emfjsf nflu ;Dks{ JolQm >L ;ldIff g]kfnnfO{
lghs} sfo{sIfdf jf lghnfO{ sfof{no ;doleq $$@%@*) PS;6]G;g $@@ df ;Dks{ ug{ ;lsg]5 .
u=!(= gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, v/Lb ul/Psf] ;DklQ jf ;]jf ;DaGwL ljj/0f,
lgisfzg ul/Psf] lwtf]kqsf] ;+Vof / b/ ;DaGwL ljj/0fM
;f] gePsf] .
u=@)= C0fkq lgisfzg ;DaGwL ljj/0f M
-s_ o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] “8.5% RBBL Debenture, 2083” lgisfzg ug{ zt{x? b]xfo adf]lhd /x]sf]5 M
-c_ C0fkq lgisfzgsf] zt{ aGb]hx?M
C0fkq lgisfzg ;DaGwL zt{ / aGb]hx? o; ljj/0fkqsf] bkmf u=!)=5 df pNn]v ul/Psf] 5 .
-cf_ C0fkqsf] cjlw(Maturity Period)M
o; C0fkqsf] cjlw C0fkq afF8kmfF6 ePsf] lbgaf6 ^ aif{sf] x'g]5 ;f] cjlw kZrft sDkgLn] o; C0fkqsf] ;fFjf /
clGtd ls:tfsf] ltg{ afFsL Aofh /sd Psd'i7 e'QmfgL ug]{5 .
-O_ lgisfzg ul/g] C0fkqsf] ;+Vof tyf /sd M
k|lt C0fkq ?=!,)))÷— c+lst d"Nosf @% nfv lsQf C0fkqn] x'gcfpg] s'n ?=@ cj{ %) s/f]8 C0fk"FhL /sd dWo] ?=!
cj{ C0fk"FhL /sd a/fa/ k|lt C0fkq ?=!,)))÷— c+lst d"Nosf !) nfv lsQf C0fkq-;f] dWo] %% cyf{t %),)))
lsQf C0fkq ;fd'lxs nufgL sf]ifsf nflu 5'§ofPsf] ;d]t_;j{;fwf/0f g]kfnLsf] nflu ;fj{hlgs lgisfzg tyf ?=! ca{
%) s/f]8 C0fk"FhL /sd a/fa/ k|lt C0fkq ?=!,)))÷– c+lst d"Nosf !% nfv lsQf C0fkq ljleGg JolQm jf ;+3
;+:yfx?nfO{ JolQmut tj/ (Private Placement) af6 laqmL ul/g]5 .
-O{_ C0fkq ;fwf/0f z]o/df kl/0ft x'g] jf gx'g] M
o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq ^ -5_ aif{sf] cjlw kZrft Psd'i7 ?kdf e'QmfgL ul/g] ePsf]n] pQm
C0fkq ;fwf/0f z]o/df kl/0ft gx'g] .
-p_ C0fkqsf] Aofhb/ (Coupon Interest Rate)/ Aofh e'QmfgL ug]{ cjlw÷;do (Interest Payment Period) :
o; C0fkqsf] aflif{s Jofhb/ *=%)% x'g]5 . o; C0fkqdf cflh{t Aofh /sddf cfos/ P]g cg';f/ s/ nfUg]5 . o;
C0fkqdf cflh{t Aofh /sd k|To]s cfly{s aif{sf] k|yd cw{–jflif{s -kf}if d;fGt_ / l4tLo cw{–jflif{s -cfiff9 d;fGt_
;dfKt eP kZrft e'QmfgL lbOg]5 . Jofh /sd e'QmfgL lbFbf k|yd cw{–Jflif{s -kf}if d;fGt_ ;do;Dd o; C0fkqdf
cflh{t Aofh /sd x/]s aif{sf] df3 ! ut]b]lv / l4tLo cw{–jflif{s -cfiff9 d;fGt_ ;do;Dd o; C0fkqdf cflh{t Aofh
/sd x/]s aif{sf] >fj0f ! ut]b]lv e'QmfgL ul/g]5 . ;fy} vl08t cjwLdf cfj]bsx?n] cfj]bg u/]sf] /sddf Jofh cflh{t
u/]sf] v08df ;f] Jofh cfj]bsx?nfO{ k|bfg ul/g]5 .
-pm_ C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserves) ;DalGwt Joj:yfM
o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkqnfO{ lgwf{l/t ^ -5_ jif{ ;dofjlwdf lkmtf{ e'QmfgL ug{sf nflu sDkgLn]
C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserves) sf] Joj:yf ug]{5 . C0fkqsf] cjlwdf sDkgLsf] gfkmf
gf]S;fg afF8kmfF8 lx;fa vftf (Profit & Loss Appropriation A/c)af6 C0fkq lgisfzg ePsf] klxnf] jif{ / clGtd jif{
afx]s cGo k|To]s jif{a/fa/ ?kdf(Proportionate Period Basis)gfkmf gf]S;fg lx;faaf6 /sd 5'§ofO{ s'n ?= b'O{ ca{
krf; s/f]8 a/fa/sf] pQm sf]ifdf hDdf x'g]5 .sDkgLn] s'g} cfly{s aif{df d'gfkmf cfh{g ug{ g;s]sf] v08df ;d]t ;f]
aif{df C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserves) df /sdfGt/0f ug'{ kg]{ /sd /sdfGt/0f ul/g]5
. olb sDkgLsf] s'g} cfly{s jif{df d'gfkmf gePdf cl3Nnf] jif{x?sf] ;+lrt d'gfkmfaf6 C0fkq e'QmfgL hu]8f sf]if
(Debenture Redemption Reserves) df /sdfGt/0f ug'{ kg]{ aflif{s /sd ?==^@,%),)),)))=÷– -cIf]?kL a};¶L s/f]8
krf; nfv dfq _ /sdfGt/0f ul/g]5 .
-P_ C0fkqjfnfsf] clwsf/ M
o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq vl/b ug{ C0fkqwgLx?nfO{ sDkgL P]g, @)^# tyf cGo k|rlnt sfg"g
adf]lhd C0fkqwgLnfO{ k|fKt x'g] ;Dk"0f{ xs ;'ljwf k|fKt x'g]5 . t/ To:tf] C0fkqwgLx?nfO{ sDkgLsf] ;fwf/0f ;efdf
efu lng / dtbft ug]{ clwsf/ x'g] 5}g . sy+sbflrt a}+s 6f6kN6]df o; ljj/0fkq dfkm{t lgisflzt C0fkqsf] e'QmfgL
lgIf]kstf{x? eGbf k5f8L dfq x'g]5 .
-v_ ;+ul7t ;+:yfsf] ;DklQdf C0fkqjfnfsf] xs ;DaGwL ljj/0f M
o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq a}+ssf] ;DklQ ;'/If0f g/fvL lgisfzg ul/Psf] c;'/lIft C0f (Unsecured Debt)
ePsf] / sy+sbflrt a}+s 6f6klN6Pdf cGo ;'/lIft ;fx' / lgIf]kstf{ eGbf kl5 dfq e'QmfgLdf k|fyldstf x'g] u/L lgisfzg
35
ul/Psf] ;xfos C0f (Subordinate Debt) ePsf] x'Fbf k|rlnt sfg"gn] k|bfg u/]sf] afx]s sDkgLsf] ;DklQdf C0fkqwgLsf] s'g}
lglb{i6 xs (Specific Charge)clwsf/ x'g] 5}g . o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkqwgLsf] a}+ssf] ;DklQdf l4tLo
xs x'g]5 . a}+ssf] ;DklQdf ;'/lIft ;fx' / lgIf]kstf{sf] k|yd xs nfUg]5, lghx?sf] xs sfod x'g] /sd ?
@,^!,(^,)&,!!,$*$ -cIf/?kL b'O{ va{ Ps;¶L ca{ 5ofgAAf] s/f]8 ;ft nfv P3f/ xhf/ rf/ ;o rf}/f;L dfq_ @)&& kf}if
d;fGtdf /x]sf] 5 .
-u_ 6«i6Lsf] gfd, 7]ufgf tyf 6«i6L / sDkgL aLr ePsf] ;Demf}tf (Trustee Deed) sf] k|d'v a'Fbfx?M
C0fkq lgisfzg ubf{ 6«i6L lgo'Qm ug'{ kg]{ Joj:yf cg'?k lgDgfg';f/ C0fkq 6«i6Lsf] Joj:yf ul/Psf] 5 .
-c_ 6«i6Lsf]] gfd tyf 7]ufgf M C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf g]kfn lwtf]kq af]8{af6 Ohfhtkq k|fKt >LPgcfO{laPn
P; Soflk6n lnld6]8, nflhDkf6, sf7df08f} /x]sf] 5 .
-cf_ C0fkq 6«i6L eP afkt lng] ;]jf z'Ns M o; ljj/0fkq dfkm{t ;j{;fwf/0fdf tyf JolQmtu tj/af6 ljleGg JolQm jf ;+3
;+:yfnfO{ laqmL ul/g] C0fkqsf] 6«i6Lsf] ?kdf lgo'Qm >L PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}nfO{ pQm
;]jf k|bfg u/] afkt aflif{s ?=@%,)))÷— -cIf]?kL klRr; xhf/ ?k}+of dfq_ 6«i6L ;]jf pknAw u/fPsf] ;dofjlwsf nflu
;]jf z'Nssf] ?kdf e'QmfgL lbOg]5 . ;fy}, k|yd aif{sf] 6«i6L ;]jf z'Ns 5'6 lbOg]5 .
-O_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] tf]s]sf] JolQmsf] gfd tyf kb of]Uotf tyf cg'ej M
C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] pQm sDkgLsf] >L ;lrGb« 9'+ufgfnfO{ ;Dks{ JolQmsf] ?kdf tf]s]sf] 5 .
lghn] rf6{8 PsfpG6]G6 z}lIfs of]Uotf xfl;n u/L sl/a !! jif{{ eGbf a9L ljQLo tyf dr]{06 a}+lsË If]qsf] sfo{
cg'ej xfl;n ug'{ ePsf] 5 .
-O{_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DalGwt kIfsf] u'gf;f] ;'Gg] / ;dfwfg ug]{ ;DaGwdf u/]sf] Joj:yf M C0fkq
6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DalGwt kIfsf] u'gf;f] ;'Gg] / ;f] sf] ;dfwfg ug]{ ;DaGwdf tf]lsPsf] ;Dks{ JolQm dfkm{t
jf C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] sfof{no dfkm{t cfjZos Joj:yf u/]sf] 5 . ;fy} u'gf;fx? lnlvt ?kdf
C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf hDdf u/fpg' kg]{5 . nufgLstf{x?n] b]xfPsf] dfWod dfkm{t cfˆgf] u'gf;f] tyf
;'emfa k|]lift ug{ ;Sg] 5g\M
u'gf;f] ;'Gg] clwsf/Lsf] gfd M ;lRfGb| 9'+ufgf
Od]n Msachindra@niblcapital.com
kmf]g g+= M )!–$$@%@*)
-p_ C0fkq lgisfzg ug]{ a}+s / C0fkqjfnfx?sf] lxt ;+/If0f ug{ 6«i6Lsf] ?kdf sfd ug]{ C0fkq 6«i6L aLr sDkgL P]g, @)^#
adf]lhd ;Demf}tf ePsf] s'/f M C0fkq lgisfzg ug]{ sDkgL / C0fkqjfnfx?sf] lxt ;+/If0f ug{ 6«i6Lsf] ?kdf sfd ug]{
C0fkq 6«i6L aLr sDkgL P]g, @)^# df ePsf] Joj:yf cg'?k ldlt @)&^÷!!÷!( df ;Demf}tf ul/Psf] 5 .
-pm_ C0fkq 6«i6Lsf] clwsf/ / bfloTj, C0fkq 6«i6Ln] hfFra'em ug{ / ljj/0f dfu ug{ ;Sg], C0fkq 6«i6LnfO{ C0fkqjfnfx?sf]
clwsf/ x'g] cflb Joj:yfx? sDkgL P]g, @)^# cg'?k ePsf] s'/f MC0fkq 6«i6Lsf] clwsf/ / bfloTj, C0fkq 6«i6Ln]
hfFra'em ug{ / ljj/0f dfu ug{ ;Sg], C0fkq 6«i6LnfO{ C0fkqjfnfx?sf] clwsf/ x'g] cflb Joj:yfx? sDkgL P]g, @)^#
cg'?k ul/Psf] 5 .
-P_ C0fkq 6«i6L / a}+s aLr ePsf] ;Demf}tfsf] k|lt g]kfn lwtf]kq af]8{df btf{ ul/Psf] s'/f M
C0fkq 6«i6L / sDkgL aLr ePsf] ;Demf}tfsf] k|lt g]kfn lwtf]kq af]8{df btf{ ul/Psf] 5 .
-P]_ C0fkq 6«i6L / a}+s aLr ePsf] ;Demf}tf tyf cGo cfjZos Joj:yfx? C0fkqjfnfn] x]g{ jf hfGg rfx]df ;f] pknAw
u/fpg] ;DaGwdf ul/Psf] Joj:yf M
C0fkq 6«i6L / a}+s aLr ePsf] ;Demf}tf tyf cGo cfjZos Joj:yfx? C0fkqjfnfn] x]g{ jf hfGg rfx]df C0fkq 6«i6L jf
sDkgLsf] /lhi68{ sfof{nodf sfof{no ;doleq ;Dks{ /fvL x]g{ jf hfGg ;lsg] Joj:yf ul/Psf] 5 .
-cf]_ cGo M
— C0fkq 6«i6Ln] C0fkqjfnfx?sf] lxt ;+/If0f ug]{ .
— sDkgLn] C0fkq 6«i6LnfO{ cfkm\gf] ljQLo sf/f]af/sf] kl/is[t cfly{s ljj/0f cfly{s aif{ ;dfKt ePsf] ^ dlxgf leq
clgjfo{ ?kdf k7fpg' kg]{ .
— C0fkq 6«i6Ln] sDkgLn] :yfkgf u/]sf] C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserves) sf] cg'udg ug]{ .
— sDkgLn] k'gM csf]{ C0fkq lgisfzg ug'{ k/]df C0fkq 6«i6Lsf] k"j{ :jLs[tL lng'kg]{ .
-3_ kl/jt{gzLn C0fkq hf/L ul/g] ePdf C0fkqsf] kl/jt{g cg'kft, d"No, lk|ldod tyf kl/jt{g ldlt, dtflwsf/sf] Joj:yf M
;f] gePsf] .
-ª_ C0fkq hf/L ug'{sf] p2]Zo tyf ;DkGg x'g] sfo{ of]hgfM
— sDkgLn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwx?nfO{ lj:tf/ ug{sf nflu cfjZos kF"hL
;+sng ug{ .
— sDkgLsf] k'/s kF"hLsf]if(Supplimentary Capital)a[l4 ug{ .
— k|aGwkqdf pNn]v ul/Psf p2]Zo cg'?k ug'{kg]{ sfo{x?sf nflu cfjZos kg]{ k"FhL h'6fpg .
-r_ hf/L kF"hL r'Qmf ePsf]÷gePsf] M
sDkgLsf] hf/L kF"hL ;Dk"0f{ r'Qmf e};s]sf] .
-5_ o; eGbf cuf8L hf/L ePsf] C0fkqsf] ljj/0f M ;f] gePsf] .
-h_ cGo M
 of] C0fkq /fli6«o jfl0fHo a}s afx]s cGo a}+s jf ljQLo ;+:yfdf lwtf] /fvL C0f lng ;Sg]5 .
36
 o; C0fkqnfO{ g]kfn :6s PS;r]Gh lnld6]8tyf l;l8P; P08 lSnol/Ë lnld6]8df ;"lrs/0f tyf btf{ u/fO{ vl/b laqmLsf]
Joj:yf ldnfOg]5 .
 C0fkqsf] Aofh e'QmfgL ug]{ :yfg M o; C0fkq wf/0f ug]{ C0fkqwgLn] lghn] wf/0f u/]sf] C0fkqdf cflh{t Aofh /sd /fli6«o
jfl0fHo a}s lnld6]8sf] s'g} klg zfvfaf6 jf sDkgLn] tf]s]sf] :yfgaf6 cfkm\gf C0fkqsf] Aofh e'QmfgL k"hf{ k]z u/L
C0fkqsf] Aofh e'QmfgL lng ;Sg] u/L lgisfzg ul/Psf] 5 . C0fkqsf] Aofh e'QmfgL k"hf{ hf/L gu/L ;j} C0fkqx? lxtu|fxL
vftfdf /flvPsf] cj:yfdf ;j} C0fkqwgLx?sf] lxtu|fxL vftfdf pNn]v ePsf] a}+s vftfdf Jofh /sd hDdf x'g] Joj:yf
ldnfO{g]5 .
 C0fkqsf] afF8kmfF8 kZrft afF8kmfF8df kg]{ ;Dk"0f{ C0fkqwgLx?nfO{ afF8kmfF8 ePsf] lbg b]lvsf] klxnf] cw{–aflif{ssf] Aofh /sd
;f] cw{–aflif{s cjlwsf] ;dflKt kZrft e'QmfgL lbOg]5 . o; C0fkq wf/0f ug]{ k|To]s C0fkqwgLnfO{ C0fkqx? lxtu|fxL
vftfdf hDdf gu/]sf] cj:yfdf Aofh /sd e'QmfgL ug{sf nflu C0fkqsf] k|df0fkqsf] cnfjf Aofh e'QmfgL k"hf{ (Interest
Coupon) lbOg]5 .
 g]kfn /fi6« a}s af6 C0fkq lgisfzg ug{ :jLs[t k|bfg ubf{ tf]lsPsf zt{x? lgDg cg';f/ /x]sf] 5 M
o; /fli6«o jfl0fHo a}sn] lgisfzg ug{ nfu]sf] “8.5% RBBL Debenture, 2083” C0fkq lgisfzg ug{sf nflu g]kfn /fi6«
a}s4f/f ldlt @)&^÷!)÷)@ / @)&&÷)$÷)^ sf] kq dfkm{t b]xfo adf]lhdsf zt{x? kfngf ug'{kg]{ egL :jLs[lt k|bfg u/]sf]
5.
-!_] s'g} klg ;'/If0f g/fvL“8.5% RBBL Debenture, 2083” lgisfzg ug'{kg]{ .
-@_ C0fkqsf] cjlw ^ jif{sf] x'g] .
-#_ C0fkqsf] jflif{s Jofhb/ *=% k|ltzt x'g'kg]{, C0fkqdf k|bfg ul/g] Jofh ^÷^ dlxgfdf -;fpg ! / df3 ! ut]_ e'QmfgL
ug'{kg]{ / cflh{t Jofh /sddf cfos/ P]g cg';f/ cfos/ nfUg] Joj:yf ug'{kg]{ .
-$_a}+s lj36g ePsf] cj:yfdf “8.5% RBBL Debenture, 2083” sf] e'QmfgL lgIf]kstf{ eGbf kl5dfq x'g] .
-%_ “8.5% RBBL Debenture, 2083” hf/L ePsf] ldltn] j9Ldf ^ dlxgf leqdf g]kfn :6s PS;r]Gh lnld6]8df ;"lrs[t
ug'{kg]{ .
-^_ /fli6«o jfl0fHo a}slnld6]8 afx]s cGo a}+s tyf ljQLo ;+:yfaf6 pQm l8a]Gr/ lwtf] /fvL C0f lng ;lsg] Joj:yf ug'{kg]{ .
-&_ “8.5% RBBL Debenture, 2083” lgisfzg ug'{ cl3 ljj/0fkq o; a}+sdf btf{ u/L k|sfzg ug'{kg]{ .
-*_ C0fkqsf] /sd e'QmfgL ug]{ k|of]hgsf] nflu a}+ssf] aflif{s d'gfkmfaf6 pQm C0fkq lgisfzg ul/Psf] cflYf{s aif{ / e'QmfgL
x'g] cfly{s aif{ afx]ssf cGo k|To]s aif{ ;dfg'kflts (Proportionate)cfwf/df a/fa/sf] b/n] /sd e'QmfgL sf]if
Redemption Reserve sf] Joj:yf ug{'kg]{ . ;fy}, gfkmf gePsf] cj:yfdf d'gfkmfaf6 5'§ofpg'kg]{ /sd Joxf]g]{ >f]t :ki6
?kdf ljj/0fkqdf pNn]v x'g'kg]{ .
-(_ olb s'g} kIfn] ;f] kIfnfO{ 5'§ofPsf] l8a]~r/ vl/b gu/]df ;f] l8a]~r/ csf]{ kIfnfO{ vl/b ug]{ Joj:yf ug'{kg]{ .
-!)_ C0fkq e'QmfgL u/]kl5 e'QmfgL sf]if (Redemption Reserve)df afsL /x]sf] /sdnfO{ k'FhL ;dfof]hg sf]ifdf /sdfGt/
ug'{kg]{ .
-!!_ C0fkq cfj]bsnfO{ lghn] cfj]bg u/]sf] /sdsf] cfj]bg u/]sf] ldltb]lv afF8kmfF8 x'g] lbg;Ddsf] cjlwsf nflu k|rlnt
artsf] -To; a}+ssf] s'g} Ps k|sf/sf] artsf] k|rlnt Aofhb/_ Aofhb/n] vl08t cjlwsf] Aofh (Broken Period
Interest)k|bfg ug'{ kg]{ / ;f] ljifodf ljj/0fkq :ki6 pNn]v ug'{ kg]{ .
-!@_ Private Placement sf] cfwf/df ljqmL ul/g] l8a]Gr/sf] ;DaGwdf s'g} ;+3÷;+:yf;+u clu|d s'g} ;Demf}tf ePsf] eP ;f]
;Demf}tfsf] k|dfl0ft k|ltlnlk o; a}+sdf k]z ug'{kg]{ .
@!= cu|flwsf/ z]o/ lgisfzg ;DaGwL Joj:yfM ;f] gePsf]
@@= cGo ;fdfGo hfgsf/L M
-s_ ljz]if1sf] s'g} /fo ePdf, ;f] sf] ljj/0f M
k|If]lkt ljQLo ljj/0f l7s 5 elg rf6{8{ Psfp06]06 >L dbg s'df/ lg/f}nfn] k|dfl0ft ug'{ ePsf] xf] . jf:tljs ljQLo ljj/0fsf
cfwf/df ;+ul7t ;+:yfn] tof/ u/]sf] pQm k|If]lkt ljQLo ljj/0f NFRScg';f/ g} ag]sf] egL n]vfk/LIfs >L dbg s'df/ lg/f}nf n]
cfkm\gf] /fo JoQm ug'{ePsf] 5 .
-v_ ut tLg cfly{s jif{ leqdf s'g} ;+rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f] sf] sf/0fM
qm=;+= gfd kb kl/jt{g ePsf] sf/0f s}lkmot
! dx]Gb| dfg u'?Ë cWoIf g]kfn ;/sf/sf] lg0f{o cg';f/ @)&^÷&&
@ lgd{n xl/ clwsf/L cWoIf g]kfn ;/sf/sf] lg0f{o cg';f/ @)&&÷&*
# /laGb|nfn >]i7 ;+rfns g]kfn ;/sf/sf] lg0f{o cg';f/ @)&^÷&&
$ ljBfjfl/lw l;Ub]n ;+rfns g]kfn ;/sf/sf] lg0f{o cg';f/ @)&^÷&&
% pk]Gb| s'df/ sf]O/fnf ;+rfns ;+rfnsn] /flhgfdf lbPsf] @)&&÷&*
^ hL=kL= /fhafxs n]vfk/LIfs a}+s tyf ljlQo ;+:yf ;DaGwL P]g, @)&# cg';f/ @)&$÷&%
& s] la lrqsf/ n]vfk/LIfs a}+s tyf ljlQo ;+:yf ;DaGwL P]g, @)&# cg';f/ @)&%÷&^
-u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M
bfgfaf/L–#, Onfd lgjf;L Pd=aL=P=÷Pd=P= z}lIfs of]Uotf xfl;n u/L ljut !^ aif{ b]lv lg/Gt/ ?kdf a}lsË sfo{ ul//xg' ePsf] >L
ef]nfgfy kf}8]n o; a}+ssf] sDkgL ;lrjsf] ?kdf sfo{/t x'g'x'G5 .
37
-3_ C0fkq lgisfzg ug{sf nflu ;+rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M
g]kfn /fi6« a}sn] hf/L u/]sf] cf=j=@)&^÷&& sf] df}lb«s gLltdf jfl0fHo a}+sx?n] C0fkq hf/L ug{' kg{] Joj:yf adf]lhd a+}ssf] ldlt
@)&^.)*.@( df a;]sf] @#@# cf+} ;+rfns ;ldltsf] lg0f{o adf]lhd ?=@ cj{ %) s/f]8 a/fa/sf] ^ jif]{, !)=@)Ü jflif{s Jofhb/
ePsf] C0fkq hf/L ug]{ lg0f{o u/]sf]df ldlt @)&&.)#.!$ df a;]sf] @#*^ cf+} ;+rfns ;ldltsf] lg0f{o adf]lhd C0fkqsf] Jofhb/
;+zf]g u/L ;+zf]lwt jflif{s Jofhb/ *=%)Ü df C0fkq hf/L ug]{ lg0f{o u/]sf] 5 .
-ª_ ;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if s/ ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0fM;f] gePsf] .
-r_ ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f k|fKt ug{ jf x]g{ ;Sg]
7fpF / ;doM
sfof{no ;doleq lgDg:yfgx?df ;Dks{ /flv a}+ssf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf–gf]S;fg lx;fj tyf
gub k|jfxsf] ljj/0f k|fKt ug{ jf lg/LIf0f ug{ ;lsg]5 .
!= a}+ssf] /lhi68{ -s]Gb|Lo_ sfof{no, l;+xb/jf/ Knfhf, sf7df08f}+ .
@= lwtf]kq lgisfzg tyf laqmL k|jGws>L PgcfO{laPn P; Soflk6n ln=, nflhDkf6, sf7df08f}+ .
-5_ af]g; z]o/ ;DaGwL Joj:yf M
k|rlnt P]g / g]kfn lwtf]kq af]8{sf] k|rlnt af]g; z]o/ lgisfzg ;DaGwL Joj:yf cg';f/ af]g; z]o/ hf/L ug{ ;Sg]5 .
-h_ z]o/jfnf, sd{rf/L jf c? s;}sf] nflu C0fkq ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M
o; ljj/0fkq dfkm{t lgisfzg ul/g] k|lt C0fkq ?=!,)))÷— c+lst d'Nosf s'n !) nfv lsQf C0fkq ;+Vofsf] %Ü cyf{t %),)))
lsQf C0fkqx? ;fd'lxs nufgL sf]ifsf] nflu 5'§ofP/ ;'/lIft ul/Psf] 5 . o;/L 5'§ofPsf] C0fkq ;fd'lxs nufgL sf]if lgodfjnL,
@)^& adf]lhd af8+kmf+8 ul/g]5 .
-em_ a}+sn] sDkgL P]gn] u/]sf] Joj:yfx?, cfˆgf] sf/f]af/;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf k"0f{ kfngf u/]sf] ;DaGwdf u/]sf]
pb\3f]if0fM
a}+sn] sDkgL P]g, @)^# n] u/]sf] Joj:yfx?, cfkm"n] ug]{ Joj;fo;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf tyf lgodg
lgsfox?n] lbPsf] lgb]{zgx?sf] k"0f{ ?kdf kfngf u/]sf] 5 / ;f]xL lgb]{zgx?sf] bfo/f leq /xL sfo{ ul//x]sf] / o; ljj/0fkqdf
pNn]v ul/Psf] ljj/0fx? ;d]t ;f]xL cg'?k tof/ ul/Psf] xf] eGg] a}+ssf] pb\3f]if0f /x]sf]5 .;fy} o; a}+sn] sDkgL P]g, @)^#
adf]lhd k]z ug'{ kg]{ cf=j= @)&%÷)&^ ;Ddsf ljj/0fx? k]z u/]sf] x'gfn] ;f] cfly{s jif{;Dd o; a}+s cBfjlws /x]sf] 5 .
-`_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M
o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq laqmL ljt/0fsf nflu g]kfn lwtf]kq af]8{af6 Ohfhtkq k|fKt cf:jf ;b:o /x]sf] ;Dk"0f{
a}+s tyf ljQLo ;+:yfx? dfkm{t cfj]bg lbg ;Sg]5g\ .
-6_ qm]l86 /]l6Ë ;DaGwL Joj:yf M
o; a}+snfO{ CARE Rating Nepal Limited n] "[CARE-NP A+ (Is)] "[Pronounced as CARE NP Single A Plus (Issuer)] /]l6Ë
k|bfg u/]sf] 5 . pQm qm]l86 /]l6Ë k|fKt ;+:yfnfO{ ;dodfg} ljQLo bfloTj k"/f ug]{ ;Gbe{df kofKt dfqfdf ;'/Iff k|bfg ug]{ -
Institution that provide adequate degree of safety regarding timely servicing of financial obligation ) ;+:yfsf] ?kdf lnOG5 .
/]l6Ë k|bfg u/]sf] ldlt M cfiff9 !$, @)&& .
/]l6Ë axfn /xg] cjlw M cfiff9 !#, @)&* ;Dd .
;fy} o; a+}sn] hf/L ug{ nfu]sf] ^ jif{ cjlw tyf *=%) k|ltzt Aofhb/ ePsf] “8.5% RBBL Debenture, 2083” gfds C0fkqnfO{
s]o/ /]l6Ë g]kfn lnld6]8n] ldlt !$ c;f/ @)&& df Go"g shf{ hf]lvd hgfpg] "[CARE-NP A+] "(Pronounced as CARE NP
Single A Plus) /]l6Ë k|bfg u/]sf] 5 .
-7_ ljj/0fkq tof/ ug]{ JolQmsf] gfd, y/, z}lIfs of]Uotf / cg'ejsf] ljj/0f M
o; ljj/0fkq tof/ kfg]{ Joj;flos ;+:yfdf lgisfzg tyf laqmL k|aGws >L PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6,
sf7df08f}+ /x]sf] 5 .
-8_ ;sf/fTds kIfx? M
!= b]zsf cg'ejL tyf bIf JolQmx?åf/f Joj:yfkg u/LPsf]n] o; a}+ssf] Joj:yfkg ;Ifd tyf k|efjsf/L ePsf] .
@= hf]lvd n]vfhf]vf kZrft dfq nufgL tyf shf{sf] cj;/x?df sf]ifsf] k|jfx ePsf] .
#= xfn a}+sn] k"0f{ sDKo'6/Ls[t k|ljlwaf6 ljQLo ;]jf k|bfg ub}{ cfO/x]sf] .
$= a}+lsË If]qdf b|'t ultdf Aoa;fo lj:tf/ ug{ ;kmn /x]sf] .
-9_ z]o/ /lhi6f/ ;DjlGw Joj:yf M
z]o/ /lhi6f/ ;DjlGw ;Dk"0f{ sfo{ cf/ljlj dr]{G6 a}+lsË lnld6]8, 6]s', sf7df08f} dfkm{t x'g]5 .
-0f_ lwtf]kq laqmL v'Nnf cjlw M
o; ljj/0fkqåf/f ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0fx?df hf/L ul/g] C0fkqx?sf] nflu cfj]bg lbg] cjlw laqmL v'Nnf ePsf]
ldltaf6 slDtdf $ sfo{ lbg / al9df !% lbg ;Dd v'Nnf /xg] 5 . JolQmut tj/ (Private Placement) af6 laqmL ul/g] xsdf
lwtf]kq af]8{af6 :jLs[lt kZrft v'Nnf x'g]5 / ;fj{hlgs lgisfzg ;+u} aGb x'g]5 .
38
u=@#= ljj/0fkqdf k|sflzt tYo tyf ljj/0fx? 7Ls b'?:t 5g, ;f] df s'g} km/s k/]df xfdL ;+rfnsx? k"0f{ ?kdf lhDd]jf/ x'g]5f}+ egL
;xL 5fk ug]{ ;+rfns tyf lj1x?sf] gfd tyf b:tvt .
l;=g+= ;+rfnsx?sf] gfd kb b:tvt
!= >L wlg/fd zdf{ cWoIf
@= >L hgs s'df/ a/fn ;~rfns
#= k|f=8f=>L /fhg axfb'/ kf}8]n ;~rfns
$= k|f=8f=>L dfwj k|;fb bfxfn ;~rfns
%= >L /f]ldnf 9sfn ;~rfns
39
#=@$ lgisfzg tyf laqmL k|aGwssf] k|:t't u/]sf] k|lta4tf kq -8\o' 8]lnh]G;\ ;l6{lkms]6_ sf] k|lt M
40
#=@% ljj/0fkq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;D aGwL kq M
41
42

Prospectus RBBL Debenture 2083

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Prospectus RBBL Debenture 2083

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s_ g]kfn ;/sf/åf/f ldlt @)@@ ;fn df3 !) ut] ljz]if P]g “/fli6«o jfl0fHo a}+s P]g, @)@!

” cGtu{t :yfkgf eO{ @)^# ;fn a}zfv ^ ut]

sf7df08f}+ dxfgu/kflnsf j8f g+ !!, l;+xb/jf/Knfhf, sf7df8f}+, g]kfn

v=@= ljj/0fkq tyf b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M

l;=g+= ljj/0fkq k|fKt ug]{ :yfgsf] gfd / 7]ufgf

!= PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}+ / j]j;fO6 Mwww.niblcapital.com

l;=g+= b/vf:t kmf/fd k|fKt ug]{ / a'emfpg] :yfg

cfos/ cl3sf] d'gfkmf 62,34,756

/fli6«o jfl0fHo a}+s tyf ;xfos sDkgL ;d]tsf] ;dli6s[t

gfkmf gf]S;fg lx;fj -?=xhf/df_

gfkmf gf]S;fg lx;fj -?=xhf/df_

!= >L wlg/fd zdf{ cWoIf

@= >L hgs s'df/ a/fn ;~rfns

#= k|f=8f=>L /fhg axfb'/ kf}8]n ;~rfns

$= k|f=8f=>L dfwj k|;fb bfxfn ;~rfns

%= >L /f]ldnf 9sfn ;~rfns

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