REINVENTING ;a}sf] klxnf] /f]hfO

COOPERATIVE THROUGH
DIGITAL TRANSFORMATION

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ANNUAL REPORT
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Co-operative Excellence

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jflif{s k|ltj]bg
   

u}+8fsf]6, gjnk'/        

##cf}F ;fwf/0f ;ef ;DaGwL ;"rgf    

cfb/0fLo ;]o/ ;b:oHo",

         

pk/f]Qm ;DaGwdf o; ljs" art tyf C0f ;xsf/L ;+:yf ln=sf] ## cf}F jflif{s ;fwf/0f ;ef tkl;nsf]
                 

ldlt, ;do / :yfgdf O{sfOut ¿kdf ;DkGg x'g] ePsfn] oxfFsf] clgjfo{ pkl:yltsf] nflu xflb{s cg'/f]w 5 .
                         

;fwf/0f ;efdf 5nkmn tyf lg0f{ofy{ k|:t't ul/g] k|:tfjx¿ M

             

• ut jif{ @)&*÷&( sf] k|ult k|ltj]bg ;DaGwdf .      

• ut jif{ @)&*÷&( sf] cfly{s k|ltj]bg ;DaGwdf .        

• ut jif{ @)&*÷&( sf] n]vfk/LIf0f k|ltj]bg ;DaGwdf .          

• ut jif{ @)&*÷&( sf] n]vf ;'kl/j]If0f ;ldltsf] k|ltj]bg ;DaGwdf .

             

• cf=j= @)&(÷*) sf] nflu k|:tfljt jflif{s gLlt tyf sfo{qmd ;DaGwdf .        

• cf=j= @)&(÷*) sf] nflu k|:tfljt jflif{s ah]6 ;DaGwdf .        

• cf=j= @)&(÷*) sf] nflu n]vfk/LIfssf] lgo'lQm / kfl/>lds lgwf{/0f ;DaGwdf .                

• cfGtl/s gLlt tyf sfo{ljlwx¿ kfl/t ug]{ ;DaGwdf .          

• ;~rfns ;ldltsf] lg0f{o cg'df]bg ;DaGwdf .      

• ;~rfns ;ldltnfO{ clVtof/L ;DaGwdf .    

• ;fwf/0f ;efsf] clGtd lg0f{o k'l:tsf k|dfl0ft ug{ k|ltlglw rog ;DaGwdf .
         

• ljljw .
;fwf/0f ;ef x'g] ldlt, ;do / :yfg M PsfO !
         

ldlt M @)&( c;f]h @$ ut] ;f]djf/        

;do M laxfg !!M)) ah]  

:yfg M sfjf;f]tL–!^, 808fahf/, yf? /fli6«o ;ª\u|fxno kl/;/, gjnk'/

                   

;fwf/0f ;ef x'g] ldlt, ;do / :yfg M PsfO @

         

ldlt M @)&( c;f]h @^ ut] a'wjf/      

;do M laxfg !!M)) ah]  

:yfg M b]jr'nL–!&, ar'{nL dfWolds ljBfno, v]nd}bfg, kmf/d rf]s, gjnk'/

                       

;fwf/0f ;ef x'g] ldlt, ;do / :yfg M PsfO #

         

ldlt M @)&( c;f]h @( ut] zlgjf/      

;do M laxfg !!M)) ah]  

:yfg M ljho ;fd'bflos lzIff ;bg kl/;/, u}+8fsf]6–%, gjnk'/

               

k|]dk|;fb ;fksf]6f    

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xfd|f] nIo  

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jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

ljifo cg'qmdl0fsf
qm=;+= zLif{s  

1= cWoIfsf] ljrf/
   

2= cf=j= @)&*÷)&( sf] k|ult ;dLIff

 

3= cf=j= @)&(÷)*) sf nflu k|:tfljt jflif{s gLlt tyf sfo{qmd

     

4= cf=j= @)&(÷)*) sf] cfly{s ljj/0f

     

5= cf=j= @)&(÷)*) sf] nflu k|:tfljt ljQLo nIo tyf ah]6

     

6= cf=j= @)&*÷)&( sf] n]vf ;'kl/j]If0f ;ldltsf] k|ltj]bg

           

7= cf=j= @)&*÷)&( sf] C0f pk;ldltsf] k|ltj]bg

     

8= cf=j= @)&*÷)&( sf] lzIff pk;ldltsf] k|ltj]bg

     

9= cf=j= @)&*÷)&( sf] ;DklQ z'4Ls/0f ;DaGwL k|ltj]bg

     

10= cf=j= @)&*÷)&( sf] n]vf k/LIf0f k|ltj]bg

       

xfd|f] nIo  

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jflif{s k|ltj]bg
   

jt{dfg ;~rfns ;ldlt

 

cWoIf >L cf]dk|;fb ;fksf]6f    

pkfWoIf >L od'gfy cfrfo{  

;lrj >L k|]dk|;fb ;fksf]6f ‘/fh''’

       

sf]iffWoIf
  >L sflnbf; uf}8]n    

;x–;lrj >L dfof sF8]n  

;b:o   >L OGb|/fhHof]lt kf}8]n        

;b:o   >L k'ik/fh a/fn    

;b:o   >L ;ljgf dxtf]  

;b:o   >L ;ª\lutf clwsf/L  

;b:o   >L gGblszf]/ cfrfo{      

;b:o   >L v8\uaxfb'/ sdfn  

;b:o   >L uf]ljGb sF8]n    

;b:o   >L k|ltef cof{n ;'j]bL    

;b:o   >L nId0f kf}8]n    

;b:o   >L lgd{nf /]UdL clwsf/L        

n]vf ;'kl/j]If0f ;ldlt

     

;+of]hs   >L sdn ;'j]bL  

;b:o   >L lbndfof >]i7  

;b:o   >L b]j]Gb| /fgf

     

n]vfk/LIfs
   

>L clgn hf]zL

jl/i7 rf6{8{ PsfpG6]G6
 

-s'j]/ Pg e§/fO{ P08 sDkgL_

       

       

xfd|f] nIo  

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jflif{s k|ltj]bg    
;a}sf] klxnf] /f]hfO          

cWoIfsf] dGtJo…  

cf]dk|;fb ;fksf]6f    

cWoIf

cfheGbf # bzs cufl8 ljho ljsf; ;|f]t s]Gb| -tTsfnLg ljho o'jf Sna_    

sf] ljrf/, g]t[Tj / kl/sNkgfcg'¿k @^ hgfn] b}lgs %) k};faf6 ;'? ePsf] o;

                     

ljs" art tyf C0f ;xsf/L ;+:yf ln= clxn] sl/a ! nfveGbf a9L ;b:ox¿          

/ sl/a ( c/a k'FhL ;ª\sng u/L g]kfns} gd'gf / pTs[i6 ;+:yfsf] ¿kdf :yflkt
                     

x'g ;kmn ePsf] 5 .  

;ª\3Lo ;+/rgfdf b]z k|j]z u/L klxnf] cfdlgjf{rg ;DkGg u/L bf];|f] cfjlws                  

lgjf{rgsf] r/0fdf 5 . o;}aLr b]zn] ;xsf/L P]g tyf lgodfjnL kfPsf] 5 .
                 

;f]xL P]g / lgodfjnLsf] cEof;sf] qmddf cj;/x¿ ;[hgf ePsf 5g\ eg] s]xL
                 

r'gf}tLx¿ klg ylkPsf 5g\ . r'gf}tLsf] cy{k"0f{ ;dfwfgsf] nflu ;xsf/L P]gsf]
                 

;+zf]wg tyf 5'§} art tyf C0f;DaGwL P]gsf] cfjfh klg p7]sf] 5 . xfdL art
           

tyf C0f ;xsf/L ;+:yf ePsf] gftfn] o;sf] kIfdf 5f}F / ;dy{g klg ub{5f}F .                    

;xsf/L l;4fGt, d"No / dfGotfnfO{ k"0f{¿kdf cfTd;ft\ u/L cufl8 a9]sf

             

;xsf/Lx¿nfO{ ;lhnf] jftfj/0f ;[hgf x'Fbf x'Fb} klg ;b:o s]lGb|t gofF Joj;fo
               

ug{ gkfpg] Joj:yfn] art tyf C0f ;xsf/LnfO{ nufgLdf r'gf}tL yk]sf] 5 .
                 

;xsf/L P]g, ;xsf/L dfkb08 / s]Gb|Lo ;+3n] ckgfPsf gLlt, lgod Pj+ lgb]{zg
                   

/ cjwf/0ffnfO{ cfTd;ft\ ub}{ PsLs/0fsf k|of;cg'¿k z/buf}/L art tyf C0f

                 

;xsf/L ;+:yf ln=, k"hf art tyf C0f ;xsf/L ;+:yf ln= / :jfut art tyf
             

C0f ;xsf/L ;+:yf ln= ;Fu PsLs/0f u/L tt\tt\ :yfgaf6 ;]jf s]Gb|dfkm{t\ PsLs[t                  

;]jf k|bfg ul/Psf] 5 eg] k|ToIf ¿kdf gofF :yfg dWoljGb' gu/kflnsfcGtu{t
             

sf]Nx'jf ;]jf s]Gb|dfkm{t\ klg ;]jf k|bfg ul/Psf] 5 .

             

/fli6«o cy{tGqsf] lx;fan] ;'vb\ jif{ gx'Fbf gx'Fb} klg ;+:yfn] ;Dk"0f{ ;]jfx¿ gofF
                   

xfd|f] nIo  

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jflif{s k|ltj]bg    

ult / l:yltsf ;fy ;]jf k|bfg ug{ ;Ifd /Xof}F . /fli6«o ¿kdf r/d t/ntf cefj,
                   

:yfgLo lgjf{rg, cfoftdf j[l4, lgof{tdf sdL, /]ld6\ofG; cfk|jfxdf sdL, s]xL
                     

;xsf/Lx¿sf] v/fa ;'zf;gsf sf/0f pTkGg kl/j]z, /fhg}lts cl:y/ttf, Jofkf/                          

Joj;fodf ;':ttf h:tf cj:yf x'Fbf x'Fb} klg ut jif{ th'{df ul/Psf sfo{qmdx¿                

clwsf+z ;DkGg ub}{ s]xL gofF sfo{qmdx¿sf] yfngL ul/Psf] 5 .              

xfn;Ddsf] ;kmntfnfO{ sfod /fVb} cem prfOdf k'Ugsf nflu ;b:o j[l4,              

;xsf/LaLr ;xsfo{ / PsLs/0f, ;]jf If]q lj:tf/ ub}{ lbuf] ljsf;sf nIox¿                        

(SDGs) nfO{ cfTd;ft\ u/L ljleGg sfo{qmd th'{df u/L cem Jojl:yt /              

cg's/0fLo ;+:yfsf] ¿kdf cufl8 a9\g] k|lta4tf JoQm ub{5f}F . gofF–gofF k|ljlwsf]              

k|of]u, ul/aL lgjf/0f;Fu ;DalGwt sfo{qmd, ;b:osf] pBdzLntf ljsf;, lghL

                 

If]q, gful/s ;dfh / ;/sf/L lgsfo;Fusf] ;xsfo{, pBdzLntf ljsf;, ljs"

                   

j8f ;/f]sf/ d~r, o'jf / dlxnf s]lGb|t s[lif tyf kz'kfng, k|ljlw / Ifdtf                  

clej[l4h:tf sfo{qmd ;~rfng ul/g] 5 . ;+:yfsf] ;du| ljsf;sf] nflu gLlt,                  

ljlw / k|ljlwdf ljz]if hf]8 lbOg] 5 .        

æxfd|f] nIo v';L Pjd\ :j:y ;b:oÆ nfO{ cleofgsf] ¿kdf cufl8 a9fOg] 5 .             

ue{b]lv :ju{;Ddsf] ;b:o ;]jfnfO{ pd]/ ;d"xdf juL{s/0f u/L ;'Ts]/L ;xof]u
                               

sfo{qmd, gjhft lzz'nfO{ ef]6f] 6f]kL / ;b:o k|bfg, :s'n hfg] ljBfyL{nfO{ ljs"sf]
                           

j0f{dfnf / 5fqj[lQ, :s'n :s'ndf ljs", o'jf;Fu ljs";lxt Ho]i7 gful/snfO{

                   

ljs"sf] 6]Sg] n¶L / d[ts /fxt sf]ifh:tf ;]jfx¿ k|bfg ul/Psf] 5 . bIf dfgjLo                      

;|f]tsf] ljsf; / ;+:yfleq sfd ul//x]sf sd{rf/Lx¿sf] Jofj;flos bIftf

                   

ljsf; u/L ;+:yfsf] ljsf; / JolQmut ;Gt'li6sf nflu xfdL lg/Gt/ nfUg'kg]{                

cj:yf 5 . sd{rf/Lsf] >Lj[l4sf ;fy} d':sfgo'Qm ;]jf lj:tf/sf nflu ;a}sf]
                       

;xof]u ckl/xfo{ 5 .      

Smart VYCCU sf] cjwf/0ff ;zQm ¿kdf cufl8 al9/x]sf] 5 . u'0f:t/Lo              

;]jf / ;b:o ;Gt'li6nfO{ s]Gb|ljGb'df /fvL k|efjsf/L / ;b:od}qL ;]jfsf nflu

                     

;~rfns ;ldlt / Joj:yfkg ;ª\ul7t / ;zQm ¿kdf nflu/x]sf] Joxf]/f cjut                

u/fpFb5f}F . ljs"nfO{ B2 (Best and Biggest), (We Never Say No), (Mobile
         

First) ;xsf/Lsf] ¿kdf lgdf{0f u/L æ;d'bfosf] klxnf] /f]hfOÆ agfpg] k|lta4tf                  

ub{5f}F .    

xfd|f] nIo  

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jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

cGtdf g]kfnsf] pTs[i6 ;xsf/L ;+:yfsf] ¿kdf ;~rfng ug{ xfdLnfO{ k|ToIf
               

;xof]u k'¥ofpg' x'g] ljho kl/jf/, :yfgLo lgsfox¿ ;xsf/L ljefu, g]kfn art
                 

tyf C0f s]Gb|Lo ;ª\3, ;xsf/L a}ª\s, g]kfn /fi6« a}ª\s, lhNnf ;xsf/L ;ª\3,
                     

lhNnf art tyf C0f ;xsf/L ;ª\3, gjnk/f;L, ;+:yfks, cWoIf, ;+:yfksx¿,                  

k"j{ cWoIfx¿, ;~rfns ;ldlt, n]vf ;'kl/j]If0f ;ldlt, cGo pk;ldltx¿, ;]jf
                 

s]Gb|, Joj:yfkg pk;ldlt, Joj:yfkg 6f]nLsf k|d'v sfo{sf/L clws[tnufot

                 

;Dk"0f{ sd{rf/Lx¿sf] nugzLntf, d]x]gt / ;xof]usf nflu ljz]if wGojfb lbFb}

                     

pRr d"Nofª\sg ub{5f}F .    

;b:ox¿sf] ;'vL, v';L / :j:Yo hLjgsf] sfdgf ub{5' . wGojfb . ho ljs" Û

               

cf]dk|;fb ;fksf]6f    

ldlt M @$ c;f]h, @)&( cWoIf    

xfd|f] nIo  

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;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

xfd|f] k|lta4tf  

ljs" art tyf C0f ;xsf/L ;+:yf ln=n] uf}/jdo #! jif{ k"/f u/L #@                

cf}F jif{df k|j]z ub}{ ubf{ æxfd|f] nIo v';L Pjd\ :j:y ;b:oÆ eGg] cfbz{
                       

cleofgsf ;fy cfˆgf ultljlwx¿nfO{ ;~rfngdfkm{t\ NofpFb} :j:ys/ afgLsf]              

ljsf;sf] nflu ;xof]u k'¥ofPsf 5f}F . To;}u/L ;b:osf] cfly{s, ;fdflhs /                    

;f+:s[lts kIfdf dfq geP/ ljQLo ;fIf/tf, :jf:Yo ;fIf/tf, k|ljlw

                 

;fIf/tf / ljQLo ;dfj]lztfsf kIfdf ;d]t dxŒjk"0f{ cleofg ;~rfng

         

u/]sf 5f}F . cfb/0fLo ;b:o dxfg'efjx¿sf] k|f]T;fxgk"0f{ ;xof]u, lgofds lgsfosf]

                     

cg'udg tyf lgb]{zg, ;~rfnsx¿sf] s'zn dfu{bz{g Pjd\ l;h{gzLn d]xgt /                  

z'elrGtssf] z'e]R5faf6 ;~rflnt o; ;+:yfn] ;+:yfut cfGtl/s ;'b[9Ls/0fsf]                  

;fydf k|efj If]q lj:tf/ ub}{ cufl8 al9/x]sf] 5 . t;y{ ;b:od}qL ;]jf, ;]jfu|fxLsf]                              

lxt, ;fydf ;/n / ;xh 9ª\un] pTkfbgzLn If]qdf C0f nufgL ub}{ cfw'lgs tyf
             

k|ljlwo'Qm ljQLo If]qsf] ljsf;df lg/Gt/tfsf ;fy cem} u'0f:t/Lo Pjd\ lj:tfl/t                  

k|efjsf/L ;]jf k|bfg ug]{ k|lta4tf JoQm ub{5f}F .            

Joj:yfkg ;d"x  

art tyf C0f ;xsf/L ;~rfng;DaGwL cGt/f{li6«o l;4fGtx¿      

s_ ;xsf/L ;+/rgf    

!= ;b:ox¿sf] :jfldTj      

@= ;b:ox¿sf] lgoGq0f    

#= k|hftflGqs lgoGq0f
v_ ;b:ox¿nfO{ ;]jf      

$= ljQLo ;dfj]zLs/0f    

%= ljQLo l:y/tf    

^= ;b:ox¿nfO{ cfly{s kmfObfdf a9f]Q/L          

u_ ;fdflhs pQ/bfloTj  

&= ljQLo ;fIf/tf  

*= ;~hfn ;xof]u  

(= ;fdflhs bfloTj
!)= ljZjJofkL kl/b[Zo    

xfd|f] nIo  

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;a}sf] klxnf] /f]hfO
         

ut cfly{s jif{ @)&*÷)&( sf] k|ult      

;dLIff tyf
cfly{s jif{ @)&(÷)*) sf nflu    

k|:tfljt jflif{s gLlt tyf sfo{qmd      

k|]dk|;fb ;fksf]6f -/fh'_

     

;lrj

o; ul/dfdo ##cf}F ;fwf/0f ;efsf cWoIfHo", ;~rfns ;ldltsf        

kbflwsf/LHo"x¿, n]vf ;'kl/j]If0f ;ldlt, pk;ldltsf ;b:oHo"x¿ Pjd\ ;]jf                

s]Gb| Joj:yfkg ;ldltsf ;+of]hs Pj+ ;b:oHo"x¿, ;Dk"0f{ ldl8of xfp; Pjd\
           

kqsf/Ho"x¿ Pjd\ Joj:yfkg tyf ;Dk"0f{ pTk|]/s gful/sHo"x¿ .

           

:yfgLo :t/df 5l/P/ /x]sf] ;fgf]–;fgf] k'FhLnfO{ artsf] dfWodaf6 PsLs[t u/L
                           

To;}sf] kl/rfngaf6 ;+:yfdf ;+nUg ;b:ox¿sf] cfly{s tyf ;fdflhs :t/

                 

dfly psf:b} cfTdlge{/tf a9fpg] clek|fon] ljqmd ;+jt\ @)$* ;fn efb| % ut]              

o; ;+:yfsf] :yfkgf Pjd\ z'ef/De ul/Psf] xf] .              

æart g} ljsf;sf] aLp xf]Æ eGg] dg;fosf ;fy ;+:yfsf] ;'?cftb]lv g} art               

;ª\sng tyf C0f kl/rfng sfo{qmddf lbOPsf] lg/Gt/tfsf] kmn:j¿k ;xsf/L                

P]g @)$* cGtu{t @)%) ;fn h]7 % ut] tTsfnLg lhNnf ;xsf/L sfof{no
           

gjnk/f;Ldf ;j{k|yd btf{ ul/Psf] lyof] . Ps u|fdL0f ;d'bfodf ;'?cft ul/Psf]

               

of] ;+:yf clxn] g]kfnsf ;xsf/L ;+:yfx¿sf] dfemdf Ps cu|0fL Pjd\ ;an
             

;+:yfsf] ¿kdf kl/lrt eO;s]sf] 5 . o; ;+:yfnfO{ jt{dfg cj:yf;Dd Nofpgdf

                 

k|j4{s ;+:yf ljho ljsf; ;|f]t s]Gb|sf] cu|0fL / cxd\ e"ldsf /x]sf] s'/f ;a}df
                     

;j{ljlbt} /x]sf] 5 .          

;du| g]kfnel/s} art tyf C0f ;xsf/L ;ª\3÷;+:yfsf] 5ftf ;ª\u7g g]kfn
             

art tyf C0f s]Gb|Lo ;xsf/L ;ª\3 ln= åf/f ;ª\3df cfa4 g]kfne/sf art          

tyf C0f ;xsf/LdWo] xfd|f] o; ;+:yfnfO{ ;jf{]Ts[i6 ;+:yfsf] ¿kdf k'/:s[t ug'{,                              

Pl;ofnL C0f dxf;ª\3 (ACCU) sf] k|fljlws ;xof]u tyf g]kfn art tyf      

C0f s]Gb|Lo ;xsf/L ;ª\3 ln= (NEFSCUN) åf/f ;~rflnt pTs[i6 ;]jf tyf
         

xfd|f] nIo  

8 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO          

jflif{s k|ltj]bg    

;'/Iffsf nflu ;jf{]Qd 5gf}6 sfo{qmdcGtu{t Pl;ofnL :t/sf] cGt/f{li6«o a|f08

                     

(ACCESS BRAND) nuftf/ ^ k6s;Dd k|fKt ug{ ;kmn x'g' ;fy} g]kfn art        

tyf C0f s]Gb|Lo ;xsf/L ;ª\3 ln= n] g]ˆ:s"gåf/f g]kfnsf] ;xsf/L If]qdf                    

pRrtd\ k|ljlwsf] cg's/0fLo k|of]u u/]afkt k'/:s[t x'g', o'/f]lkog cjf8{sf] nflu                          

dgf]gogdf kg'{h:tf cToGt pT;fxL, pmhf{zLn Pjd\ u'0f:t/o'Qm d"Nofª\sgn] ubf{

                 

;b:o / ;d'bfok|ltsf] pQ/bfloTj cem a9]sf] ;fy} ;xsf/L cleofgdf xfd|f]

                 

e"ldsfnfO{ cem a9fOlbPsf] uxg cg'e"lt xfdLn] u/]sf 5f}F .            

;+:yfnfO{ :yfgLo, /fli6«o x'Fb} cGt/f{li6«o :t/df klg ;jf{]Ts[i6 art tyf C0f
                         

;xsf/L ;+:yfsf] ¿kdf :yflkt u/fpg dxŒjk"0f{ e"ldsf lgjf{x ug{'x'g] Pjd\ cxf]/fq
                     

v6\g' x'g] cfb/0fLo ;]o/ ;b:oHo"x¿, k|jw{s ;+:yfsf cu|hx¿, e"=k"= cWoIf                  

Pjd\ kbflwsf/LHo"x¿, ljutb]lv jt{dfg;Ddsf ;ldlt, pk–;ldlt, Joj:yfkg              

;ldltsf kbflwsf/LHo"x¿, k|d'v clws[t Pjd\ sd{rf/L ldqx¿, /fli6«o ;xsf/L                

;ª\3, z'elrGts / s]Gb|Lo ;ª\3 g]km\:s"g kl/jf/k|lt cfef/ tyf wGojfb k|s6
               

ug{ rfxG5f}F . o; k|sf/sf] ;jf{]Ts[i6tfsf] klxrfgnfO{ sfod /fVb} cem a9L

                     

k|efjsf/L ;]jf ;d'bfodf k|bfg ug{] xfd|f] ofqfdf oxfFx¿ ;a}sf]] o:t} z'e]R5f /                        

;xeflutfsf] lg/Gt/ ck]Iff /fv]sf 5f}+ .              

xfd|f] nIo v';L Pj+ :j:y ;b:o, We Never Say No, B2 (Best and Biggest),
             

M2 (Member and Mobile First), ue{b]lv :ju{;Dd, e/kbf]{ klg, dg kbf]{ klg                        

eGg] h:tf ljifonfO{ sfo{ ;Dkfbgsf] k|d'v dfu{bz{g dfGb} pRr k|fyldstfsf
               

;fy sfof{Gjogdf hf]8 lbPsf 5f}F . lj1fg / k|ljlwsf] jt{dfg ;dodf ;b:osf]                

OR5f / rfxgfcg';f/sf sfo{qmd / ;]jfnfO{ pRr dxŒjsf ;fy cufl8 a9fPsf            

5f}F . ;b:o ;]jf / ;b:o ;Gt'li6 xfd|f nflu ljz]if dxŒjsf] ljifo /x]sf] 5 / ;w}F
                       

o;nfO{ cfTd;ft\ ub}{ cufl8 a9]sf 5f}F . jflif{s gLlt tyf sfo{qmd klg o;}k|lt                

kl/nlIft /x]sf] lgj]bg ug{ rfxG5' .

           

/fHo olta]nf sf]/f]gfsf] c;/, /l;of / o'qm]gsf] o'4sf sf/0f sl/a #) nfv
                           

dflg; ul/aLsf] rk]6fdf k/]sf] cj:yfaf6 u'lh|/x]sf] 5 / o;sf] k|efjaf6 lj:tf/}                              

aflx/ lgl:sg k|of; ul//x]sf] 5 . ljutdf o;sf] k|efjaf6 ljz]if u/L cfly{s
                   

sf/f]af/ ug]{ ljQLo ;xsf/L ;+:yf / o;sf ;b:ox¿nfO{ 7"nf] k|efj k/]sf] 5 .
                           

kmn:j¿k ut cfly{s jif{el/ g} t/tfdf pRr rfk kg{ uof], a}+lsª If]qdf nufgL
                     

xfd|f] nIo  

v'Pjd\;L 9
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg    
;a}sf] klxnf] /f]hfO
         

of]Uo /sdsf] cefj x'g k'Uof], Aofhb/df j[l4 eof], cfoft lgof{tdf gsf/fTds
                     

k|efj k¥of], ljb]zL d'b|f ;l~rtL 36\b} uof] / ;du| cy{tGqdfly 7"nf] bafa l;h{gf                  

x'g k'Uof] . oBlk o:tf] k|lts"n cj:yfdf klg ;+:yfsf] ;'ema'emsf] lg0f{osf sf/0f
                 

Tof] kl/l:yltsf] k|efjaf6 aflx/ cfpg ;kmn eof}F . o;sf nflu k|ToIf ¿kdf
           

;xeflutf hgfO{ lg/Gt/ ;fy, ;dy{g / ;xof]u ug'{x'g] ;]o/ ;b:oHo"x¿k|lt xflb{s                          

wGojfb lbg rfxG5' .

;+:yfn] ut jif{sf nflu :jLs[t sfo{qmdx¿dWo] ;~rfng ePsf t/ ;DkGg x'g
               

afFsL /x]sfnfO{ o; jif{ lg/Gt/tf lbOPsf] 5 .

             

pknAw ;|f]t / ;fwgnfO{ k|efjsf/L tyf cy{k"0f{ tl/sfn] kl/dflh{t ¿kdf pkof]u                      

ug]{ k4ltnfO{ hf]8 lbFb} k'FhL kl/rfng / ;f]sf] k|ltkmn ;]o/ ;b:o;Dd k'¥ofpg
                       

ljleGg sfo{qmdx¿ ;~rfng ub}{ cfPsf 5f}F . xfn ;+:yfn] lgDgfg';f/sf art              

tyf C0fsf ;]jfx¿ ;~rfng ul//x]sf] 5 .          

artsf ;]jfx¿  

!_ dfl;s art
@_ v'q's] art  

#_ b}lgs art  

$_ cfFs'/f art  

%_ ;~rosf]if art  

^_ ljs" hLjg ;'/Iff art  

&_ kj{ art  

*_ lzIff art
(_ /]ld6\ofG; art    

!)_ lrGtf lgjf/0f art  

!!_ Pl6Pd art

!@_ 3/vr{ cfjlws art    

!#_ Ho]i7 ;b:o ;Ddfg art    

!$_ P]lR5s Kn; art  

!%_ gf/L ;Ddfg art  

!^_ P]lR5s art  

!&_ cfjlws art

xfd|f] nIo  

10 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

C0fsf ;]jfx¿  

c_ ;'/If0fsf] cfwf/df C0fsf zLif{sx¿ M        

s_ lwtf] C0f  

v_ ;b:o hdfgt C0f  

u_ k|df0f kq C0f
cf_ k|of]usf] cfwf/df C0fsf zLif{sx¿ M        

s_ s[lif C0f  

v_ kz'kIfLkfng C0f
u_ n3' pBd C0f
3_ cf}Bf]lus C0f    

ª_ Jofkfl/s C0f  

r_ ;]jf Joj;fo  

5_ j}b]lzs /f]huf/ C0f          

h_ xfo/ kr]{h C0f      

em_ 3/ dd{t C0f    

`_ z}lIfs C0f  

6_ cfjf; tyf hUuf vl/b C0f  

7_ v/vfFrf] C0f    

8_ cfktsfnLg C0f
9_ sd{rf/L C0f    

0f_ cfjlws art C0f

t_ 3/fo;L ;fdu|L C0f  

y_ k|f]km]zgn C0f    

b_ ;fOsn vl/b C0f  

ut cfly{s jif{ @)&*÷)&( sf nflu k|:tfj ul/Psf ljQLo tyf u}/ljQLo

           

sfo{qmdx¿sf] sfof{Gjog k|ult ;dLIff ;Gtf]ifhgs /xg uof] . ut ;fwf/0f

             

;efaf6 kfl/t ePsf sfo{qmdx¿ o; ;dLIff cjlw;Dd cfOk'Ubf ljQLo    

sfo{qmdtkm{ sl/a ** k|ltzt / u}/ljQLo sfo{qmdtkm{ sl/a &) k|ltzt sfo{

                   

;Dkfbg ePsf 5g\ . ;~rfns ;ldltaf6 kfl/t jflif{s gLlt tyf sfo{qmdsf]        

xfd|f] nIo  

v'Pjd\;L 11
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg    
;a}sf] klxnf] /f]hfO          

sfo{of]hgfsf] ;dofjlw / sf]/f]gfsf] bf];|f] nx/sf] pRr k|efj klg ;f]xL ;dodf
                         

b]lvg uO{ :yfgLo k|zf;gaf6 nufOPsf] lgif]wf1fsf sf/0f u}/ljQLo sfo{qmdtkm{

                   

sfo{ ;Dkfbg sd x'g uPsf] 5 .    

o; ljs" art tyf C0f ;xsf/L ;+:yf ln= sf] Jofj;flos of]hgfn] lgwf{/0f              

u/]sf kl/sNkgf, Wo]o Pjd\ d"No / dfGotfx¿ o;k|sf/ /x]sf 5g\ M

                 

;+:yfsf] cfufdL $ jif]{ Jofj;flos of]hgfn] to u/]sf] M–

               

;+:yfsf] kl/sNkgf, Wo]o, d"No dfGotf / nIo              

kl/sNkgf (Vision)  

• æ;a}sf] klxnf] /f]hfOÆ          

"The first choice of All"

-JofVofM ljQLo cfjZostf -art, C0f, ljk|]if0f / aLdf_ k"/f ug{ ;Sg]              

;'zf;go'Qm, ;jf]{Ts[i6 ;xsf/L ;+:yfnfO{ a'emfpg] 5 ._                

Wo]o (Mission)  

• ;'zf;g, k|lt:kwL{ / k|ljlwo'Qm ;]jf          

• ;'vL Pjd\ v';L ;b:o,    

• ;j{;'ne, u'0f:t/Lo, gjLgtd ljQLo tyf u}/ljQLo ;]jf                

• ;+:yfut ;Ifdtf -ahf/Ls/0f, ef}lts k"jf{wf/, hf]lvd Joj:yfkg,

                     

dfgjLo ;|f]t ljsf; / Joj:yfkg, ljQLo ;Ifdtf, ;b:otf j[l4_              

• sfo{tGq, asfnt / ax; k}/jL          

d"No dfGotfx¿,  

 We Never Say No
 ;+:yfut ;'zf;g -kf/blz{tf, hjfkmb]xLtf, ;xeflutf / b"/blz{tf_
                 

 ;fd"lxstf
 :yfgLo ;|f]t / ;fwgsf] ;d"lrt kl/rfng          

 dfgj / k|s[ltk|ltsf] rf;f]        

 Joj:yfksLo ;+:yfut ;Ifdtf    

 ;b:ox¿sf] Jofj;flos/0f / u'0f:t/o'Qm hLjg k4lt            

 ;[hgzLntf  

xfd|f] nIo  

12 v'Pjd\;L
:;b:
j:oy 
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

nIo (Goal)
 v';L Pj+ :j:y ;b:o      

 /fd|f] klg, 7"nf] klg, (Best and Biggest) B2

         

 ljQLo If]qdf k|lt:kwL{ Pjd\ u'0f:t/Lo ;]jf k|bfg ug]{,                  

 dfgjLo ;|f]t / ;+:yfut ljsf;df hf]8 lbg]          

 cfly{s ;Ifdtf clej[l4 ug]{        

 ;xsf/Lsf] efjgfcg';f/ ;b:ox¿nfO{ ;fdflhs ;'/Iffdf cfwfl/t              

u}/ljQLo ;]jf k|bfg ug]{ .          

 :yfgLo ;|f]t ;fwgsf] plrt kl/rfng / Joj:yfkg ug]{ .

               

 ;b:ox¿sf] Jofj;flos/0fdf hf]8 lbg] .          

 cfjZos ef}lts k"jf{wf/sf] ljsf; tyf lj:tf/sf ;fy} bIf hgzlQmsf]                

pTkfbg u/L ;+:yfut ljsf; ug]{ .        

 jftfj/0f / kof{j/0fsf] If]qdf ;sf/fTds k|efj kg]{ u/L sfo{ ug]{ .                          

 ;'zf;go'Qm ;dfj]zL ;+:yfsf] ¿kdf :yflkt ug]{ .            

xfd|f] nIo  

v'Pjd\;L 13
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

k|ult ;dLIff
;dfb/0fLo ;]o/ ;b:oHo"x¿, ca d ut cfly{s jif{ @)&*÷)&( df k|:tfj u/L
                 

ut ;fwf/0f ;efaf6 kfl/t jflif{s gLlt tyf sfo{qmdtkm{ s]–slt pknlAwx¿

           

xfl;n eP eGg] af/]df k|ult ;dLIff oxfFx¿;dIf k|:t't ug{ rfxG5' .          

;xeflutf
o; cjlwdf ut jif{sf] jflif{s ;fwf/0f ;efn] lgb]{lzt              

u/]sf] gLlt tyf sfo{qmdnfO{ sfof{Gjog ug]{ qmddf lgoldt

               
!# k6s
tyf cfsl:ds u/L !# k6s ;~rfns ;ldltsf] k"0f{ a}7s          
;~rfns
;DkGg ePsf], ;fy} ;f]xL ;dLIff cjlwdf n]vf ;'kl/j]If0f              
;ldltsf] k"0f{    

;ldlt, pk–;ldlt, Joj:yfkg pk–;ldlt / Joj:yfkg;Fu

         
a}7s  

klg cf}krfl/s tyf cgf}krfl/s a}7sx¿ ;DkGg ePsf

         

5g\ . sfo{ ;~rfngdf yk r':ttf Nofpg ;a} txsf      

;ldltx¿sf] a}7snfO{ lgoldt ul/Psf] 5 .          

;b:osf] cfly{s ;xeflutf      

 ue{b]lv :ju{;Dd eGg] dfGotf / p2]Zosf ;fy ;d'bfosf x/]s JolQmnfO{

                   

cf}krfl/s ljQLo kx'Frleq Nofpgsf nflu jif{el/

       

g} ;b:otf v'Nnf /flvPsf] h;sf] kmn:j¿k o;

 
ue{b]lv :ju{;Dd          
       

cjlw;Dd hDdf ;]o/ ;b:o ! nfv ! ;o &! hgf ! nfv ! ;o &!      

k'Ug' ePsf] 5, h;af6 art sl/a ¿= & c/a / ;]o/ ;]o/ ;b:o, art              

       

k'FhL sl/a ¿= (! s/f]8 ;ª\sng ug{ ;+:yf ;kmn & c/a / ;]o/          

       

ePsf] 5 . k'FhL (! s/f]8  

   

 ;+:yfsf] Joj;fo lj:tf/ tyf k|j4{g ug{] p2]Zon]

 

pTs[i6 k|ljlw                

x/]s dlxgf x/]s ;]jf s]Gb|df Go"gtd ! hgf ;]o/

 

   

k|of]ustf{            

;b:onfO{ dlxgfsf] pTs[i6 ;]o/ ;b:o tyf k|ljlwsf]

   

               

pRrtd\ k|of]ustf{ dWo] ;du|tfdf @ hgfnfO{ pTs[i6 ljQLo ;dfj]lztf          

 

k|ljlw k|of]ustf{ 3f]if0ff k'/:sf/åf/f ;Ddfg ug{] cGtu{t % ;o ^#                  

 

ul/Psf] 5 .  
hgf  

 ;+:yfsf] :jLs[t sfo{ If]qleq s'g} klg a}ª\s,

                 

xfd|f] nIo  

14 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

ljQLo tyf ;xsf/L ;+:yf nufotsf cf}krfl/s lgsfodf ;+nUg g/x]sf            

-Unbanked_ JolQmx¿nfO{ x/]s ;]jf s]Gb| :t/af6 xfd|f] ;]jfdf ;xeflutf                  

u/fpg] sfo{qmdcg';f/ ljQLo kx'FrcGtu{t o; jif{ %^# hgfnfO{ ;+:yfdf

               

cfj4 u/fOPsf] 5 .    

;fIf/tf  

 k|ljlw ;fIf/tf, :jf:Yo ;fIf/tf / ljQLo ;fIf/tf

ljQLo ;fIf/tf,
             

sfo{qmdnfO{ PsLs[t u/L ;~rfngdf NofOPsf] 5 .

   

:jf:Yo ;fIf/tf /
         

 ;+:yfut ultljlw Pjd\ ;"rgfnfO{ ;b:o;Dd

       

k|ljlw ;fIf/tf
     

k'¥ofpgsf nflu ljleGg dfWodsf] cjnDag ug]{

 

     

qmddf ;+:yfsf] 5'§} Facebook, Twitter, Youtube, ;b:o ;"rgfdf            

 

Viber Group df :yfoL :tDesf] Joj:yf u/L k|ljlw k|of]u          

 

;+:yfut ;"rgf tyf hfgsf/L ;b:o;Dd k'¥ofpg]

       

sfo{ ul/Psf] 5 .      

 ;+:yfsf] j]a;fO6, df]afOn PK; tyf P;PdP; dfkm{t\ klg ;+:yfut ;"rgf
             

tyf hfgsf/L ;b:o;Dd k'¥ofpg] sfo{ ul/Psf] 5 .            

;DaGw lj:tf/    

 u}F8fsf]6 gu/kflnsfcGtu{t :yflkt ;xsf/L ;dGjo

;+3x¿;Fusf]
           

d~rsf] g]t[Tj lnOPsf] 5 eg] :jLs[t sfo{If]q

 

;xsfo{
                 

leqsf ;xsf/L ;+:yfx¿ / lhNnf art ;+3 tyf

 

     

lhNnf ;xsf/L ;+3;Fu ;dGjo tyf ;xsfo{ ul/Psf] ;xsf/L        

 

5 . ;+:yfx¿lar cfk;L  

 ;+:yfsf] sfo{If]qleqsf ;xsf/L ;+:yfx¿sf] cfk;L

 
;dembf/L            
 

;dembf/LnfO{ cem a9L /rgfTds agfpgsf nflu cGt/f{li6«o :t/df      

       

lgofds lgsfo, ;xsf/L sfo{tGq / :yfgLo tx;Fu ;Dks{ / ;DaGw          

   

ljleGg r/0fdf ;xsfo{x¿ ul/Psf] 5 . lj:tf/        

   

 o; ;+:yfsf] sfo{qmd / 5ljnfO{ k|efjsf/L / lj:t[t

ljQLo ;dfj]lztf
                 

agfpg] p2]Zon] /fli6«o tyf cGt/f{li6«o :t/df

 

               

ljleGg ;ª\3–;+:yfx¿;Fu ;Dks{ / ;dGjo u/L        

;DaGw lj:tf/ ul/Psf] 5 . o;cGtu{t :yfgLo lhNnf ;xsf/L ;+3, lhNnf                

xfd|f] nIo  

v'Pjd\;L 15
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO          

art ;+3 / ;xsf/L ;dGjo d~rb]lv cGt/f{li6«o :t/df ACCU, MCRIL,                  

MIXMARKET, IRMA, IDACA-Japan, Micro Save International, ICA,          

h:tf ;ª\3–
Cooperative College of Malaysia, ACCESS Advisory    

;+:yfx¿;Fusf] ;DaGwnfO{ lg/Gt/tf lbOPsf] 5 . cGo ;+:yfåf/f cfof]lht

                 

tflnd, uf]i7L tyf ;]ldgf/ h:tf sfo{qmddf ;+:yfsf] tkm{af6 ef}lts tyf                    

cef}lts ¿kdf g]t[TjbfoL tyf cy{k"0f{ ;xeflutf /xFb} cfPsf] 5 . o;}
                 

cjlwdf Pl;ofnL C0f ;+3;Fu (ACCU) sf] jflif{s kmf]/ddf ;+:yfsf]            

tkm{af6 ljQLo ;dfj]lztf (Financial Inclusion) eGg] ljifodf sfo{kq

       

k|:t't ;d]t ul/Psf] 5 .        

 ;+:yfsf] p2]Zo, efjgf / sfo{ut k|lqmof ldNg] ;+:yfx¿;Fu xft]dfnf] ub}{

                       

;xsf/Lsf] If]qdf b]lvPsf ;d:of tyf r'gf}tL / cj;/x¿sf] ;b'kof]lutfsf]                      

af/]df bafa tyf jsfntsf] sfo{nfO{ ljleGg r/0fdf cufl8 a9fOPsf] 5 .
             

Joj:yfkg  

b}lgs sfo{ ;~rfng

   

;+:yfsf] df}h'bf ;~rfng ;+/rgfdf kl/dfh{g u/L If]qLo

               
!(@ hgf
cjwf/0ffcg';f/ cufl8 a9fOPsf] 5 . kl/dflh{t
         
Joj:yfkgdf ;+nUg  

;~rfng ;+/rgf / PsLs/0fkZrft\ ;dfof]hg eO{ xfn o;          

lgoldt hgzlQm
;+:yfcGtu{t Joj:yfkgsf] ljleGg tx / sfof{nodf hDdf
           

@ j6f If]qLo  

!(@ hgf sd{rf/Lx¿ lgoldt ;]jfdf ;+nUg /xg'ePsf] 5          

;+/rgf  

eg] # hgf k|lzIffyL{ sd{rf/Lsf] ¿kdf ;+nUg /xg' ePsf]

             

5 .
hgzlQm Joj:yfkg  

 k|To]s sd{rf/LnfO{ sfo{ ljj/0f (Job description) cg';f/ nIo lgwf{/0f

                 

u/L lhDd]jf/L k|bfg ug]{ ul/Psf] 5 eg] cfjlws ;dLIff tyf d"Nofª\sg klg
               

ug]{ ul/Psf] 5 .        

 ljefuLo Pjd\ ;]jf s]Gb| k|d'vx¿n] lgoldt ¿kdf sfo{ k|ultsf] k|ltj]bg            

k|:t't ug{] ul/Psf] 5 .          

 sd{rf/Lsf] nflu ;+:yfåf/f hf/L ul/Psf] cfrf/;+lxtfsf] k"0f{ kfngf ePsf]

                       

5 .

xfd|f] nIo  

16 v'Pjd\;L
:;b:
j:oy
 
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

 ;~rfns ;ldltn] >fj0f ! ut] pRr Joj:yfkgnfO{ sd{rf/LnfO{ sfo{        

       

lbPsf] jflif{s nIo / sfo{ ljj/0fcg';f/ ;]jf s]Gb|sf] ljj/0f                  

Joj;fo, Ifdtf / ;Defljt ahf/sf cfwf/df jflif{s

lgoldt k|ult
         

nIo k|bfg ul/Psf] / cfjlws ¿kdf nIo k|flKtsf]

k|ltj]bg
       

k|ult ;dLIff ug]{ ul/Psf] 5 . o;/L k|fKt nIo /           

 

pTs[i6tfsf] cfwf/df k'/:s[t ug]{ ul/Psf] 5 . cfrf/ ;+lxtfsf]

                  
   

 jflif{s nIo tyf sfo{ ljj/0fcg';f/sf] pknlAw kfngf          

xfl;n ug{sf nflu k|efjsf/L sfo{;Dkfbg ug{ Joj:yfkgnfO{        

   

;DalGwt ljefu tyf If]qLo sfof{nox¿nfO{ yk jflif{s nIo / sfo{      

     

lhDd]jf/ / hjfkmb]xL agfOPsf] 5 . ljefu tyf ljj/0f          

If]qLo sfof{nox¿nfO{ yk ;|f]t ;fwg ;DkGg agfpFb}

;b:o ;]jfnfO{
         

nfluPsf] 5 .      

;+:yfut Jojxf/
 

 sd{rf/Lsf] sfo{bIftfdf clej[l4 ug]{ p2]Zon] sfo{                   

   

ljj/0fcg';f/ sfo{ ;Dkfbgsf] d"Nofª\sgsf] cfwf/df            

;?jf, a9'jf tyf lhDd]jf/L x]/km]/ (Job Rotation) ug]{ ul/Psf] 5 .                     

 b}lgs sfo{ ;Dkfbgsf] qmddf laxfg sfof{no k|j]z ubf{ / a]n'sf aflxl/Fbf
                 

:6\ofl08ª a}7s ug]{ ul/Psf] 5 .

          

 b}lgs sfo{ ;Dkfbgdf sd{rf/Lsf] pRr Jofj;flostf k|bz{g tyf k|efjsf/L

             

;b:o ;]jfnfO{ ;+:yfut ;+:sf/sf] ¿kdf :yflkt ul/Psf] 5 .                    

sfo{;Dkfbg  

 ;+:yf gLlt, ljlw / k|ljlwdfkm{t\ ;~rflnt x'g'k5{ eGg] b[9 dfGotfsf ;fy
             

x/]s lqmofsnfknfO{ cem a9L ;'Jojl:yt, k|lt:kwL{ Pjd\ Jofj;flos

             

agfpgsf nflu cfjZos gLlt, lgod Pjd\ sfo{ljlwsf] th{'df / df}h'bf            

gLlt, lgod Pjd\ sfo{ljlwsf] ;dofg's"n kl/dfh{g ug]{ sfo{ o; jif{ klg                  

lg/Gt/ /Xof] . xfn ;+:yfdf ;+:yfsf] d"n sfg'g ljlgodsf] cnjf %( j6f
               

gLlt tyf sfo{ljlwx¿ /x]sf 5g\ . ;f]xLcg';f/ ;Dk"0f{ sfo{ ;Dkfbg x'Fb}                

cfPsf] 5 .  

 ;+:yfaf6 ul/g] ;a}vfn] sfo{ ;DkfbgnfO{ yk Jojl:yt, k|fejsf/L Pj+

                   

pknlAwd"ns agfpg] qmddf jflif{s ljQLo pknlAwsf] nflu Joj:yfkgnfO{          

xfd|f] nIo  

v'Pjd\;L 17
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO         

nIo ls6fg ug{], / ;f]xLcg';f/ ljefuLo k|d'v gLlt tyf ljlwnfO{            

Pjd\ ;]jf s]Gb|x¿nfO{ klg pRr Joj:yfkgaf6

 

k|fyldstf        

nIo ls6fg ug{], dfl;s ¿kdf pRr Joj:yfkgnfO{

lgoldt k|ult
         

k|ult ljj/0f k|:t't ug]{, dfl;s ¿kdf lbPsf] nIo

;dLIff
           

lgwf{/0f ug{] / pknlAwsf af/]df ;dLIff ug]{, /0fgLlt

                     

agfpg] / ;]jf s]Gb|sf] sfo{ ;Dkfbgsf] cfwf/df :t/ ;]jf s]Gb|sf] :t/
                   
         

-Grading_ lgwf{/0f ug]{ ul/Psf] 5 . lgwf{/0f            

   

 ;]jf s]Gb| :t/df x'g] sfo{qmdsf] nflu ;]jf s]Gb|

 

sfo{qmd lgdf{0f                

   

Joj:yfkg pk–;ldltsf] lg0f{o / ;Nnfxsf  

tyf of]hgfdf      

cfwf/df dfq sfo{ ;Dkfbg ug]{ kl/kf6L /x]sf] 5 . ;xeflutf

               

lg0f{o k|lqmofdf ;'?b]lv cGTo;Dd ljleGg txdf

PEARLS
   

;a} ;ldlt tyf pk–;ldltx¿ ;+nUg x'g] k|lqmof

ljZn]if0f
   

cjnDag ul/Psf] 5 .    

 

 s]Gb|Lo :t/df sfo{qmd lgdf{0f tyf cfof]hgfsf]

             

;Gbe{df ;]jf s]Gb| :t/af6 g} sfo{qmd k|:tfj u/L ;dfof]hg ug]{ ul/Psf] 5 .
                           

 ;~rfns ;ldltsf] x/]s dlxgf a:g] lgoldt a}7sdf Joj:yfkgsf] tkm{af6                  

cl3Nnf] d;fGt;Ddsf] PEARLS ljZn]if0f, ljQLo cj:yfsf] ljj/0f              

;DklQ z'4Ls/0f ;DaGwL ljj/0f tyf gub k|jfxsf] ljj/0f;lxtsf] k|ltj]bg            

;~rfns ;ldlt;dIf k|:t't ug{] ul/G5 eg] ;f]xL k|ltj]bgsf cfwf/df                

Joj:yfkgnfO{ cfjZos ;'emfj tyf lgb{]zg lbg] ul/Psf] 5 .

             

 ;DklQ z'4Ls/0f;DaGwL P]g tyf lgb]{lzsf adf]lhd lgoldt tyf cfjlws          

¿kdf ;DklQ z'4Ls/0f;DaGwL k|ltj]bg k|:t't tyf 5nkmn ug]{ ul/Psf] 5 .              

;Ddfg tyf k'/:sf/      

 nfdf] Oltxf; jxg u/]sf] g]kfnsf] ;xsf/L cleofgn] @)$& ;fnsf]

                 

/fhg}lts kl/jt{g / klxnf] k6s ;xsf/L P]g–@)$* sf] hf/Lkl5 ult

                   

lnPsf] b]lvG5 . ;ª\VofTds ¿kdf ;xsf/Lsf] ljsf; eP klg u'0ffTds        

ljsf;, k|efjsf/L ;]jf, kf/bzL{ Joj:yfkg / bl/nf] ljQLo ;+/rgfsf af/]df                          

eg] w]/} k|Zg p7\g] ub{5g\ . oL / o:t} ljljw ;/f]sf/jfnf kIf ;sf/fTds
                         

ePsf sf/0f g]kfnsf ;Dk"0f{ art tyf C0f ;xsf/L ;ª\3–;+:yfx¿sf]            

xfd|f] nIo  

18 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

cf}krfl/s ;ª\3, g]kfn art tyf C0f s]Gb|Lo  

u'0ffTds ljsf;,        

;xsf/L ;ª\3 ln= -g]km\:s"g_ n] cª\s d"Nofª\sgsf

 

k|efjsf/L ;]jf,        

cfwf/df ljs" art tyf C0f ;xsf/L ;+:yf ln=

     

kf/bzL{ Joj:yfkg      

nfO{ g]kfns} ;jf{]Ts[i6 ;xsf/L ;+:yfsf] ¿kdf

     

/ bl/nf] ljQLo
                 

3f]if0ff ul/;s]sf] 5 .

     

;+/rgf      

 Pl;ofnL C0f dxf;ª\3 (ACCU) sf] k|fljlws

 

ACCU af6
 

;xof]u tyf g]kfn art tyf C0f s]Gb|Lo ;xsf/L        

ACCESS Brand
;ª\3 ln= (NEFSCUN) åf/f ;~rflnt pTs[i6
k|fKt
   

;]jf tyf ;'/Iffsf nflu ;jf{]Qd 5gf}6 (ACCESS)

         

sfo{qmdcGtu{t Pl;ofnL :t/sf] cGt/f{li6«o lrXg MIXMARKET              

(ACCESS BRAND) nuftf/ ^ k6s k|fKt ug{ af6 Five Star    

;kmn ePsf] 5 . o; a|f08cGtu{t Pl;ofnL C0f k|fKt    

dxf;ª\3n] ljleGg *^ j6f ;"rsx¿sf] cfwf/df pTs[i6 k|ljlwsf]      

   

;+:yfsf] ;]jf tyf ;'/Iffsf] dfkg ub{} cfPsf] lyof] .

 

cg's/0fLo k|of]u                

   

ljQLo ;Ifdtf, ;b:o ;]jf, cfGtl/s Jofj;flostf k'/:sf/          

     

/ l;sfO÷j[l4sf] lg/Gt/tf u/L $ j6f If]qdf

o'/f]lkog cjf8{df
             

;3g¿kdf dfkg ul/G5 . Nomination

 
     

 ljs" art tyf C0f ;xsf/L ;+:yf ln= sf] ;fv      

cGt/f{li6«o :t/;Dd klg k'u]sf sf/0f o; ;+:yfsf              

;a} kIfsf] cWoog / ljZn]if0f u/L pTs[i6 b]lvPsf]n] n3'ljQ ;+:yfx¿sf]

                     

ljZjJofkL ;~hfn MIXMARKET n] ljs"nfO{ kfFr tf/f (Five Star)      

k|bfg u/]sf] 5 .      

 o; cjlwdf SCT UNIONPAY dfkm{t\ g]kfndf /x]sf ATM ;]jf ;~rfng          

u/]sf a}ª\s tyf ljQLo ;xsf/L ;+:yfx¿dWo] o; ljs" art tyf C0f
           

;xsf/L ;+:yf ln= pTs[i6 ATM ;]jf ;~rfng ug{ ;kmn ePsf]df ;Ddfg            

k|fKt ePsf] 5 .  

 g]km\:s"gn] g]kfndf ;xsf/Lsf] If]qdf æpTs[i6 k|ljlwsf] cg's/0fLo k|of]uÆ

                     

u/]sf] Ps dfq ;+:yfsf] ¿kdf k'/:s[t u/]sf] 5 . o;} u/L /fli6«o ;xsf/L
                             

;ª\3h:tf k|ltlglwd"ns s]Gb|Lo ;ª\3–;+:yfn] ;d]t o; ;+:yfnfO{ pTs[i6                

xfd|f] nIo  

v'Pjd\;L 19
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

;xsf/L ;+:yfsf ¿kdf k'/:s[t ul/;s]sf 5g\ eg] Joj:yfksLo If]qaf6                    

klg ;+:yfsf Joj:yfks s]Gb|Lo ;ª\3 g]km\:s"gaf6 b]zel/s} ;xsf/L                  

Joj:yfksdWo] ;jf{]Ts[i6 Joj:yfkssf] k'/:sf/;d]t k|fKt ePsf] lyof] .

                         

o:t} pTs[i6 Joj:yfkssf] k'/:sf/ tTsfnLg l8lehg ;xsf/L sfof{no,

                     

gjnk/f;Laf6 ;d]t k|fKt ePsf] lyof] .        

 ljQLo ;dfj]lztf, ;+:yfut ljsf;, ;fdflhs ;'/Iff, pTs[i6 Joj:yfkg /                  

;b:o ;]jfsf sf/0f o; jif{ o'/f]lkog cjf8{ @)@@ sf] nflu ;+:yf ;"lrs[t
                   

(Nomination) ePsf] lyof] .    

;b:o ;'/Iff    

 ;+:yfsf ;]o/ ;b:osf] d[To' ePdf ;DalGwt

;b:o /fxt sf]if
           

kl/jf/nfO{ ;xof]u:j¿k clGtd ;+:sf/ vr{afkt

     

               

pknAw u/fpFb} cfPsf] /fxt /sd ¿= @%,))).– sf ;'Ts]/L e]63f6            

     

b/n] @!^ hgf ;]o/ ;b:osf kl/jf/nfO{ of] /sd

   
tyf ef]6f]–6f]kL–£o"                
     

;b:osf] d[To' ePsf] ldltn] !# lbgleq 3/df g} k'uL

 
sfo{qmd            
 

zf]s ;dj]bgf;lxt pQm /sd k|bfg ul/Psf] 5 .

 

;'Ts]/L ;xof]u        

     

 ;'Ts]/L e]63f6 tyf ef]6f]–6f]kL–£o" sfo{qmd cGtu{t  

/fxt C0f              

;d'bfosf ;b:ox¿dWo] dlxnf ;b:ox¿nfO{ art

 

       

sfo{qmddf ;lqmo ;xefuL u/fpg] Pjd\ pxfFx¿sf]

 
ljs"sf] 6]Sg] n¶L      
     

:jf:Yo l:yltdf s]xL xb;Dd eP klg ;'wf/ Nofpg

 

6«flkms ;r]tgf
       

tyf kl/jf/ lgof]hg ;DaGwL cjwf/0ffnfO{ ljsl;t kf]lifnf] cfxf/          

u/fpg] p2]Zon] @ j6f;Dd aRrf hGdfpg] dlxnf

     

:jf:Yo ladf
         

;b:onfO{ ;'Ts]/L vr{afkt lglZrt /sd k|f]T;fxg

             
   

:j¿k k|bfg ul/g] sfo{nfO{ lg/Gt/tf lbOPsf]

               

5 . ;fy} @ j6f;Dd aRrf ePkl5 kl/jf/ lgof]hg ug{] dlxnf tyf k'?if            

;b:onfO{ ;d]t kl/jf/ lgof]hg k|f]T;fxg vr{ pknAw u/fpg] sfo{nfO{

                       

lg/Gt/tf lbOPsf] 5 . o; ;]jfcGtu{t o; jif{ ^@) hgf dlxnf ;b:on]

               

;'Ts]/L ;xof]uL ;'ljwf lng'ePsf] lyof] . k'?ifsf nflu Joj:yf ul/Psf]

               

kl/jf/ lgof]hg k|f]T;fxg ;xof]udf eg] o; jif{ $ hgf ;b:on] dfq ;'ljwf
                 

lng'ePsf] 5 .  

xfd|f] nIo  

20 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

 ;+:yfsf ;b:onfO{ jf 3/ kl/jf/df eljtJo tyf cGo cfsl:ds ljklQ jf

             

b'3{6gfdf k/]sfnfO{ tTsfn /fxt C0f :j¿k ¿= %),))).– Ps dlxgfsf             

nflu lgAof{hL k|bfg ug]{ ul/Psf] 5 .          

 u}F8fsf]6, b]jr'nL, sfjf;f]tL, dWoljGb', x'K;]sf]6, ljgoL lqj]0fL, e/tk'/

                             

/ /Tggu/ nufotsf ;3g sfo{If]qleqsf kflnsfnfO{ k"0f{ ;/;kmfO,

                 

jftfj/0fd}qL, afnd}qL, k"0f{ ;fIf/ / v'nf lb;fd'Qm If]q agfpg] tyf                    

sfof{Gjog ug{] cleofgdf ;+:yfsf] ;xeflutf /xFb} cfPsf] 5 .                

 Ho]i7 tyf czQm ;b:ox¿sf] nflu cfjZostfsf] cfwf/df …ljs"sf] 6]Sg]

               

n¶LÚ k|bfg ug]{ ul/Psf] 5 . h;cg';f/ o; jif{ $@^ hgf Ho]i7 ;b:onfO{                  

k|bfg ul/Psf] 5 .    

 b'3{6gf Go"gLs/0f tyf oftfoft ;'/IffnfO{ dWogh/ /fVb} 6«flkms              

;r]tgf;DaGwL sfo{qmd ;DkGg ul/Psf] 5 .        

 kf]lifnf] cfxf/ sfo{qmd cGtu{t ue{jtL cj:yfb]lv g} kf]lifnf] cfxf/

                       

pknAw u/fpg yflnPsf] 5 . ue{jtL cj:yf -# dlxgf_ b]lv ;'Ts]/L              

cj:yf;Dd of] ;xof]u lg/Gt/ pknAw x'g]5 .            

 ljz]if u/L ;b:ox¿ :j:y /xg / :jf:Yo pkrf/df nfUg] 7"nf] vr{sf] sf/0f                              

kg]{ cK7\of/f] tyf eljiodf kg{ ;Sg] hf]lvdnfO{ sd ug{ :jf:Yo aLdf
                     

sfo{qmd NofOPsf] xf] . pkrf/ vr{df nfUg] /sdaf6 klg art ug{ ;lsof];\                  

eGg] clek|fosf ;fy l;4fy{ OG:of]/]G; lnld6]8;Fusf] ;xsfo{df of]                    

;~rfngdf 5 . h'g gub/lxt ;]jf;lxt g]kfnsf %( / ef/tsf ^))) eGbf          

a9L c:ktfnx¿ ;~hfndf cfa4 /x]sf] 5 . ;~hfndf /x]sf afx]ssf              

dfGotf k|fKt c:ktfndf pkrf/ ubf{ klg c:ktfnaf6 k|fKt lan ef}r/x¿            

k]; u/L zf]wegf{ lng ;lsg] k|fjwfg /x]sf] 5 . JolQmut / kfl/jfl/s
                     

of]hgf;lxt /x]sf] o; sfo{qmddf ;xefuL eO{ w]/} ;b:ox¿n] bfaL e'QmfgL

                     

k|fKt ul/;Sg'ePsf] 5 . k|ltjif{ k|lt;b:osf] ¿= !,@%).– / cfkm";lxt              

kl/jf/sf cGo # ;b:o;d]tsf] u/L ¿= !,*&%.– aLdf z'Ns nfUg] :jf:Yo                    

aLdfn] Psjif{;Ddsf] nflu !,)),))).– ;Ddsf] pkrf/ vr{ ;d]6\5 .                  

kfl/jfl/s :jf:y aLdf of]hgfdf &) jif{;Ddsf -a'jf, cfdf, >Ldfg\, >LdtL                  

;fy} @! jif{d'lgsf 5f]/f5f]/L_ dWo] kfFr hgf ;xefuL u/fpg] ul/G5 . o;/L                      

xfd|f] nIo  

v'Pjd\;L 21
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO         

x/]s jif{ gjLs/0f ug]{ u/L !,)),))).– b]lv @,)),))).– ;Ddsf] aLdf ug{
                           

;lsG5 . o;/L :jf:Yok|ltsf] ;r]tgfsf ;fy} pkrf/ vr{af6 x'g] cfly{s                    

ef/ / hf]lvdnfO{ sd ug{ of] sfo{qmdnfO{ lg/Gt/tf lbOPsf] 5 .

                     

;b:od}qL ;]jf      

 sfof{nonfO{ ;b:od}qL / Jojl:yt agfpFb} n}hfg] ;b:od}qL ;]jf /

                 

       

qmddf df}h'bf s]Gb|Lo sfof{nosf] ef}lts cfGtl/s sfof{no            

;+/rgfdf kl/dfh{g ul/Psf] ;fy} cd/fk'/L, xs{k'/,

ef}lts ;+/rgfsf]
                       

>Lu0f]z, sfjf;f]tL, lbofnf], k"hf / :jfut ;]jf      

:t/f]Gglt
                 

s]Gb|nfO{ yk Jojl:yt / :t/f]Gglt ul/Psf] 5 .

                 
     

 ;b:osf ;sf/fTds ;'emfj Pjd\ ;Nnfx ;+:yfsf  

;b:osf] b'v];f]    
       

nflu cd"No ;DklQ x'g\ eGg] ;+:yfut a'emfOsf ;fy Joj:yfkg    

 

;'emfj Pjd\ ;Nnfx tyf u'gf;f]nfO{ k|ToIf ¿kdf #^% lbg] tyf    

l56f]–5l/tf] tj/n] ;Daf]wg ug{] u/L ;+:yfdf -x/]s  

nuftf/ ;]jf                      

   

;]jf s]Gb|df_ ;'emfj k'l:tsf /fVg] / ToxfF JoQm

sn ;]G6/
           

ePsf efjgfnfO{ ;~rfns ;ldltsf] a}7sdf ;'?d}    

;~rfng
       

k|j]z u/fO{ t'?Gt ;Daf]wg ug{] ul/Psf] 5 .

               

 o;} u/L cfw'lgs k|ljlwsf] k|of]u / ;'udtfnfO{

           

dWogh/ ub{} ljs"sf] cfˆg} Pksf] dfWodaf6 klg ;'emfj ;Nnfx lng] /                

;Daf]wg ug]{ ul/Psf] 5 .          

 ;a} sfof{nodf ;b:o ;]jf ;"rgf tyf b'v];f] 8]:ssf] Joj:yf ul/Psf] 5 .
                       

 ;'emfj k'l:tsf Pjd\ OG6/g]6sf] dfWodaf6 b]z–ljb]zdf /xg'ePsf ;b:on]                  

cfˆgf cd"No ;'emfj, ;Nnfx Pjd\ u'gf;fx¿ JoQm u/L xfdLnfO{ ;r]t        

u/fpg' ePsf]df ;+nUg tkfO{+ ;Dk"0f{ ;b:oHo"x¿nfO{ wGojfb lbg rfxG5' /

             

lg/Gt/ o:t} ;xeflutfsf] ck]Iff klg ub{5' .

             

 ;b:onfO{ ;j{;'ne Pjd\ k|efjsf/L ;]jf k|bfg ug]{ ;+:yfsf] p2]Zocg';f/

                     

lgoldt sfof{no ;]jfdf yk ;do lj:tf/ ul/Psf] 5 . s]Gb|Lo sfof{no,                  

sflnu08sL ;]jf s]Gb|, xs{k'/ ;]jf s]Gb|, bnbn] ;]jf s]Gb|, lbofnf] ;]jf s]Gb|                              

/ sfjf;f]tL ;]jf s]Gb| u/L xfn ^ j6f sfof{nodfkm{t\ #^% lbg] a}+lsË ;]jf
                   

;~rfngdf NofOPsf] 5 eg] s]Gb|Lo sfof{no, xs{k'/ ;]jf s]Gb|, sfjf;f]tL                      

xfd|f] nIo  

22 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

;]jf s]Gb| / sflnu08sL ;]jf s]Gb|df nuftf/ ;]jf pknAw u/fOPsf] 5 .
                 

 ;+:yfut hfgsf/L l56f], 5l/tf] tyf pko'Qm dfWodaf6 k|fKt ug{ ;Sg] u/L
                 

sn ;]G6/ -6f]n lk|m g+= !^^)&*%@@@@_ ;~rfngdf NofOPsf] 5 .        

k|sfzg tyf k|;f/0f  

 ;+:yfsf ljleGg ;]jf–;'ljwf Pjd\ sfo{qmdx¿sf]

dfl;s k|ult
       

af/]df lj:t[t hfgsf/L lbg] p2]Zon] o; jif{ klg

;fj{hlgs
                 

ljs" kl/ro k'l:tsf, ;ª\lIfKt lrgf/L Pjd\ dfl;s

 

       

k|ult k|ltj]bg ;fj{hlgs ub}{ cfOPsf] 5 . ;+:yfsf] a|f08 k|j4{g              

 

klxrfg;lxtsf] sk ;]6, l6–;6{, 8fo/L, lsl/ª, j0f{dfnf k|sfzg                  

emf]nf h:tf k|jw{gfTds ;fdu|Lsf] k|sfzg tyf

       

ljt/0f ul/Psf] 5 . ;+:yfsf ultljlwx¿ ;d]6\g] u/L              

…ljs" ;Gb]z’ gfds q}dfl;s a'n]l6gnfO{ d'vkqsf] ¿kdf k|sfzg ul/Psf]              

5 . ;+:yfn] pknAw u/fPsf art, C0f tyf /]ld6\ofG; ;]jfx¿sf] 5'§f5'§}                  

;ª\lIfKt hfgsf/Ld"ns lnkm\n]6x¿ tof/ ul/Psf] 5 eg] ljleGg ;]jf tyf              

e"ldsfsf] af/]df ˆn]S;dfkm{t\ klg ;b:odfem hfgsf/Ldf NofPsf 5f}+ h;sf]                  

sf/0fn] ;]jf ;DaGwL cfwf/e"t ljifosf] hfgsf/L x'g uO{ ;b:onfO{ ;"rgf
                 

Pjd\ Joj;fo k|j4{gdf ;xof]u k'u]sf] 5 .        

 o; jif{ ;a} k];f, Joj;fo, pd]/, ju{, If]qsf nflu clt g} pkof]uL x'g] u/L                              

;xsf/Lsf] Oltxf;df klxnf]k6s j0f{dfnf k|sfzg ul/Psf] 5 .            

cfGtl/s lgoGq0f k|0ffnL  

 ;+:yf ;~rfngsf nflu ;~rfns Pjd\ sd{rf/Lsf] cfrf/;+lxtf tyf

         

;+:yfut d"No–dfGotfnfO{ ;'zf;g gLltåf/f yk Jojl:yt ul/Psf] 5 .

           

 gLlt lgdf{0f Pjd\ lg0f{o k|lqmofdf ;'?b]lv cGt;Dd ;ldlt kbflwsf/L tyf        

;b:osf] k|ToIf ;xefuL x'g] kl/kf6LnfO{ ;+:yfut ul/Psf] 5 .

               

 ;xsf/L P]g, lgodfjnL tyf ;xsf/L ljefusf] ;+:yfut ;'zf;g;DaGwL            

Joj:yfsf] efjgf / dd{adf]lhd lgb{]zgsf] kfngf ub{} cfPsf 5f}F . cfGtl/s                        

tyf afx\o n]vf k/LIfs tyf lgodgsf/L lgsfox¿n] cf}FNofPsf s}lkmot            

Pjd\ ;'emfjx¿dfly uDeL/tfk"j{s 5nkmn ug{] / ;'wf/sf nflu of]hgf;lxt              

Joj:yfkgnfO{ lgb{]zg lbg] ul/Psf] 5 .              

xfd|f] nIo  

v'Pjd\;L 23
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

 ;+:yfsf] df}h'bf ;'zf;g gLlt tyf ;DklQ z'4Ls/0f

 

;'zf;g gLlt      

;DaGwL gLltdfkm{t\ ;+:yfsf x/]s lqmofsnfknfO{

gLlt lgdf{0f /
         

cem a9L Jojl:yt Pjd\ ;'b[9 ub}{ nluPsf] 5 .    

lg0f{o k|lqmofdf
         

 ;+:yf ;~rfngsf] kl/jlt{t kl/j]zcg';f/ Joj:yfkgsf  

;xeflutf
               

;+/rgfx¿nfO{ klg kl/dfh{g ub}{ nluPsf] 5 . art

             

ljefu, C0f ljefu, ljQ ljefu, ahf/ tyf k|j4{g cfjlws cfGtl/s
         
 

ljefu, u}/ljQLo ljefu, dfgjLo ;+zfwg ljefu, ;"rgf tyf jfXo         

tyf k|ljlw ljefu u/L 5'§f5'§} ljefu tyf b'Oj6f

{ If]qLo n]vfk/LIf0f        
   

sfof{nodfkm{t sfo{;Dkfbg ul/Psf] 5 .  

;DklQ        

 Joj:yfkgnfO{ nIo ls6fg, ;]jf s]Gb|nfO{ Joj;fosf]

 

z'4Ls/0fsf]            

   

nIo lgwf{/0f, Joj:yfkgsf] lgoldt a}7s tyf sfof{Gjog            

;dLIff, cfjlws :jd"Nofª\sg, pknlAwsf]

ljefuLo ;+/rgf
       

;dLIff / /0fgLlt lgdf{0f ug{] ul/Psf] 5 . @! k6s              

 

pRr Joj:yfkg txsf] a}7s ;DkGg ePsf] 5 . ;ldlt tyf        

Joj:yfksLo ;"rgf k|0ffnLsf] dha't ¿kdf ljsf;  

pk;ldltsf]  
 

u/L cfGtl/s lgoGq0f k|0ffnLnfO{ k|efjsf/L agfpg

 
lgoldt sfo{      
 

;+:yf k|lta4 /x]sf] 5 .  

;Dkfbg      

 s]Gb|Lo txdf /x]sf ;ldlt tyf pk–;ldltsf cltl/Qm

       

;a} ;]jf s]Gb| :t/df Go"gtd & ;b:oLo ;]jf s]Gb|

               

Joj:yfkg pk–;ldltdfkm{t ;+:yfsf] df}h'bf gLltcg';f/ ;a} ;ldlt tyf

             

pk–;ldltn] cfjZos sfo{;Dkfbg, d"Nofª\sg tyf cg'udg ug{] ul/Psf]              

5 .
 k|ljlwsf] k|of]usf] pRr dfGotfcg';f/ gofF gofF k|ljlwsf] k|of]udfkm{t\              

;]jfnfO{ cfw'lgsLs/0f ub{} nluPsf] 5 eg] xfn ;+:yfdf %( j6f gLlt tyf
               

sfo{ljlwx¿ /x]sf] / tL gLlt tyf sfo{ljlwdfkm{t\ ;+:yf ;~rfngdf /x]sf]

                     

5 .
 sfof{no ;~rfng / b}lgs sf/f]af/ Joj:yfkgnfO{ yk r':t b'?:t Pjd\
                   

Jojl:yt ug{ cfGtl/s n]vfk/LIfs (CA) sf] Joj:yf ul/Psf] / ;f]xLcg';f/

                       

cfGtl/s n]vfk/LIf0f u/L lgoGq0f k|0ffnLnfO{ yk Jojl:yt ul/Psf] 5 .               

xfd|f] nIo  

24 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO          

jflif{s k|ltj]bg    

ljk|]if0f ;]jf -dgL 6«fG;km/_      

g]kfnsf] cy{tGqsf] d]?b08sf] ¿kdf /x]sf] ljk|]if0f

 

cfGtl/s tyf                  

-/]ld6fG;_df ljutsf lbgdf sdL cfP tfklg kl5Nnf] s]xL

   

jfXo /]ld6fG;    

  

dlxgfotf o;df ;'wf/ ePsf] 5 . o; k|sf/sf] ;]jfnfO{ ;]jf            

;+:yfdfkm{t\ cfˆg} 3/–b}nf]df k|fKt ug{] Joj:yf ldnfpg

3/}af6 ;]jfsf]
                 

Money Transfer lgsfox¿;Fu cfjZos ;dGjo u/L

      

pkof]u
 

;]jfnfO{ yk lj:tf/ ul/Psf] 5 eg] b]zleq klg /sd k7fpg]

                   
 

tyf kfpg] Joj:yfnfO{ Jofks / Jojl:yt ub}{ ;]jfsf]                  

k|efj If]q a9fOPsf] 5 . xfn o; k|sf/sf %@ j6f ljleGg Money Transfer      

lgsfodfkm{t\ ;]jf lbFb} cfOPsf] 5 . /]ld6fG;dfkm{t\ k|fKt /sdnfO{ 3/af6} l;w}        

lgsfNg ;lsg] u/L jf vftfdf hDdf ug{ ;lsg] Joj:yf ldnfOPsf] 5 .

bL3{sfnLg 5fqj[lQ
   

ljkGg, blnt, hghflt, ckfª\u / czQm ;]o/ ;b:osf

^) hgf
             

5f]/f5f]/LnfO{ 5fqj[lQ lbg] sfo{nfO{ lg/Gt/tf lbFb} ;+:yfsf]

ljBfyL{nfO{
                           

df}h'bf gLltcg';f/ plNnlvt bfo/fleq kg{] $) hgf

   

P;=O{=O{=;Ddsf]
         

5fq5fqfnfO{ ljutsf] z}lIfs ;qb]lv bL3{sfnLg 5fqj[lQ

     

bL3{sfnLg
           

;xof]u k|bfg ul/Fb} cfPsf]df ;+:yfsf] lj:tf/ ePsf] sfo{If]q

 

5fqj[lQ
                     

/ ;b:osf] cfwf/df pQm ;ª\Vofdf j[l4 ug]{ gLltcg'¿k @)

 

             

hgf yk u/L ^) hgfnfO{ bL3{sfnLg 5fqj[lQ k|bfg ul/Psf]            

5 . o;cGtu{t ;fd'bflos ljBfnodf cWoog u/]sf sIff % ;Ddsf To:tf        

afnaflnsfsf] 5gf}6 u/L P;=O{=O{= ;Ddsf] ;Dk"0f{ z}lIfs vr{ ;+:yfn] Aoxf]g{] u/L                              

of] sfo{qmd sfof{Gjogdf NofOPsf] 5 .

       

;jn ljQLo ;+/rgf  

;xsf/L ;+:yfsf] d]?b08 eg]sf] ;+:yfsf] ;+:yfut k'FhL

hu]8fsf]ifdf
                 

xf] . lgs} g} ;fgf] /sdaf6 ;xsf/L cleofg ;'? ul/Psf]

   

cfwfl/t ljQLo
               

xfd|f] ;+:yfsf] k[i7e"ld /x]sf] 5 . yf]/} k'FhL w]/}sf] ;xeflutf

 

;+/rgf
                           

xfd|f] dfGotf xf] . t/ sf/f]af/ ;~rfngdf x'Fb} uPsf] j[l4n]

 

                   

k'FhL sf]ifdf klg cxd\ e"ldsf /fVb5 . ;+:yfsf] s'n k'FhL        

j[l4sf] cg'kftdf Go"gtd ;]o/ k'FhLsf] cg'kft sfod ub}{ nluPsf] 5 . kl5Nnf]
                 

xfd|f] nIo  

v'Pjd\;L 25
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO          

;dodf ;+:yfnfO{ ;+:yfut k'FhLcGtu{t hu]8f sf]ifdf cfwfl/t ;+:yf agfpg]                 

of]hgfcg'¿k sfo{ cufl8 a9fOPsf] 5 .

     

cfGtl/s lg/LIf0f tyf cg'udg    

 Joj:yfkgsf] pRr txaf6 ;a} sfof{nox¿df lgoldt

5C sfof{Gjog
       

lg/LIf0f tyf cg'udg ug{] ul/Psf], %;L -lwtf], rl/q,

 

                   

cj:yf, k|lta4tf / ltg{ ;Sg] Ifdtf_, ^P; (6S)  

n]vf ;'kl/j]If0f          
     

/ hf]lvddf cfwfl/t d"Nofª\sg÷cg'udg k4ltnfO{

   
;ldltsf] cg'udg    
 

cjnDag ul/Psf] 5 . o;} u/L ;+:yfsf] df}h'bf n]vf cfGtl/s n]vf                

   

;'kl/j]If0f ;ldlt Pjd\ cfGtl/s n]vf k/LIfsaf6  

k/LIf0f        

;d]t lg/LIf0f tyf cg'udg ug{] sfo{ eO/x]sf] 5 .

               

o;/L lg/LIf0f tyf cg'udgsf] qmddf b]lvPsf sdL–

       

sdhf]/L Pjd\ ;'wf/ ug{'kg{] kIfx¿sf] sfo{of]hgf;lxt ;'wf/ ul/Psf] / o;sf                         

nflu ;DalGwt ljefuLo Pjd\ sfof{no k|d'vnfO{ yk lhDd]jf/ / pQ/bfoL            

agfOPsf] 5 .  

gLlt, ljlw / cfw'lgs k|ljlw    

 ;xsf/Lx¿ :yfgLo txsf] gLltcg';f/ v'Ng], ePsf ;xsf/Lsf] :t/f]Gglt                      

/ a}ª\s ljQLo ;+:yfn] zfvf lj:tf/ ub}{ hfg] qmd al9/x]sf]n] clxn]
                           

klg ljQLo ahf/df hgzlQmsf] dfu clws /x]sf] 5 . h;sf sf/0fn]              

bIf hgzlQmsf] cefj ljBdfg /x]sf] xf] . hgzlQmsf] plrt / e/kbf{]                    

Joj:yfkgljgf ck]lIft pknlAw xfl;n ug{ g;lsg] k|:6} 5 . To;}n]

               

;+:yfn] cfjZos hgzlQm cfkm}+ tof/ u/L bIf agfpFb} hfg] gLlt lnO{ gofF
               

sd{rf/Lx¿ lgo'Qm ug{] / pgLx¿sf] Ifdtf clej[l4 ug{, k|lzIffyL{ sd{rf/L

                       

lng] ;fy} tflnd, uf]i7L tyf ;]ldgf/df ;xefuL u/fpFb} cfOPsf] 5 .
                 

 gofF–gofF k|ljlw / pks/0fsf] k|of]u u/L ;b:ox¿nfO{ k|efjsf/L / k|ljlwo'Qm                  

cfw'lgs ;]jf lbg] p2]Zon] ;+:yfn] cfw'lgs a}+lsª\u ;km\6j]o/ h8fg u/L                    

;~rfngdf NofPsf] 5 eg] ljs" P;PdP; ;]jf (VYCCU SMS Service)      

/ df]afOn PK; ;~rfngdf NofO{ ;b:ox¿n] 3/d} a;L cfˆgf] df]afOnaf6

                 

P;PdP;dfkm{t\ cfˆgf] vftfdf /x]sf] /sdsf] hfgsf/L, vftfsf] ;ª\lIfKt                    

ljj/0f, /sd hDdf u/]sf] tyf lgsfn]sf] hfgsf/L, r]sa's cg'/f]w, r]s
                             

xfd|f] nIo  

26 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

ns ;]jfsf ;fy} df]afOn l/rfh{, 6]lnkmf]g tyf kof{Kt gLlt tyf                

Pl8P;Pn lan e'QmfgL h:tf ;]jfx¿ klg 3/d} sfo{ljlwsf] th'{df        

     

a;La;L lng ;lsg] Joj:yf ldnfOPsf] 5 . / sfof{Gjog      

 k|ljlwsf] k|of]u / pkof]unfO{ ;b:o;Dd ;/n / ;xh

   

hgzlQm lgdf{0f
               

tl/sfaf6 k'¥ofpg] p2]Zon] k|ljlw k|of]usf] ;fwg

           
 

df]afOn ;]6nfO{ ;b:osf] xftxftdf k'¥ofpg] u/L

 
Joj:yfkgsf] Ifdtf            
   

df]afOn k|bfos sDkgL;Fu ;Demf}tf ;DkGg u/L sfo{

 
clej[l4      
 

cufl8 a9fOPsf] 5 . o; k|sf/ k|ljlwsf] k|of]uaf6 pRrtd tyf        

ljQLo kx'Frdf j[l4 x'g] ck]Iff lnOPsf] 5 . gjLgtd k|ljlwsf]        

 ;+:yfn] ;'¿b]lv g} k|ljlw–d}qL ljQLo ;]jfdf hf]8

 

k|of]u            

lbFb} cfPsf]n] df]afOn a}+lsª nufotsf ;'ljwfx¿

k|ljlw k|of]udf
         

k|bfg ub{} cfPsf] 5 . xfn ;+:yfsf] ;~rfngdf /x]sf]

 

;b:o ;xeflutf
               

;km\6j]o/nfO{ Web Base df nuL Cloud Server

 

Cloud Server
     

System af6 @$;} 306f ;]jf pknAw u/fOPsf]

System
       

5 eg] ljs"sf] 5'§} Mobile Apps dfkm{t\ ;kmn /          

Mobile Apps /
;xh ;]jf k|bfg ub{} cfO/x]sf 5f}F ;fy} xfdL cfufdL ATM
             
 

lbgx¿df ;d]t cfw'lgs ;]jf–;'ljwfx¿ yk ub{}        

hfg k|lta4 /x]sf 5f}F . @$;} 306f      

 

 cfw'lgs k|ljlwo'Qm ;]jfnfO{ ;j{;'ne tl/sfn] k|ljlwsf] k|of]u          

   

;b:osf] 3/b}nf]df g} k'¥ofpg] ;+:yfsf]                  

k|lta4tfcg';f/ 6]lnkmf]g lan e'QmfgL, ljB't\ lan        

e'QmfgL, kfgL dx;'n cflbh:tf lgoldt pkef]Uo dx;'nx¿ ;+:yfdfkm{t\          

e'QmfgL u/fpg] Joj:yf ldnfpgsf nflu ;/f]sf/jfnf lgsfo;Fu ;Dks{ u/L                

k|lqmof cufl8 a9fOPsf] 5 eg] cab]lv cfˆg} df]afOnaf6 ljs" :df6{              

df]afOn a}+lsª\u PK;sf] k|of]u u/L ljs"df /x]sf] cfˆgf] s'g} klg vftf;Fu
                   

;DalGwt /x]/ lk|k]8, kf]i6k]8, Nof08nfOg 6]lnkmf]g / Pl8P;Pn l/rfh{,                            

lah'nL, kfgLsf] lan e'QmfgL, ;+:yfaf6 a}ª\sdf / a}ª\saf6 ;+:yfdf /sd                  

/sdfGt/ nufotsf ;a} ;]jf lj:tf/ ul/Psf] 5 .

               

xfd|f] nIo  

v'Pjd\;L 27
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg    
;a}sf] klxnf] /f]hfO
         

k|efjIf]q lj:tf/ / ;xsfo{          

:yfgLo :t/df 5l/P/ /x]sf] k'FhLnfO{ Pslqt u/L ;d'bfosf

:yfgLo :t/df
                   

;b:osf] cfly{s tyf ;fdflhs ljsf;sf] nflu kl/rfng      

;b:o ;]jf lj:tf/

         

ug{] p2]Zon] ;~rflnt o; ;+:yfn] cfˆgf ;]jf tyf ;'ljwfsf]

               
       

ljsf; / lj:tf/ u/L :yfgLo :t/df g} PsLs[t ljQLo tyf ;xsf/L lar                  
 

u}/–ljQLo ;]jf k|bfg ub{} cfO/x]sf] 5 . o;} qmddf :jfut

   
PsLs/0f                
 

art tyf C0f ;xsf/L ;+:yf lnld6]8, /Tggu/, k"hf art ;b:osf] ljQLo              

   

tyf C0f ;xsf/L ;+:yf lnld6]8, /Tggu/ / z/buf}/L art kx'Frdf j[l4                    

tyf C0f ;xsf/L ;+:yf lnld6]8, e/tk'/;Fu PsLs/0f u/L                

;fljs 7fpFaf6 5'§f5'§} ;]jf s]Gb|dfkm{t\ PsLs[t ;]jf k|bfg            

ul/Psf] 5 . o;}u/L dWoljGb' gu/kflnsfcGtu{t sf]Nx'jfdf sf]Nx'jf ;]jf s]Gb|

                   

;~rfng ul/Psf] 5 . o;af6 ;+:yfsf] ;]jf If]q lj:tf/ x'g k'u]sf] / ;b:osf]                          

ljQLo kx'Frdf ;d]t j[l4 ePsf] 5 .      

‘:s'n :s'ndf ljs"’

   

;+:yfdf afn tyf o'jf ;xeflutf a9fpg tyf ljBfno

 

cj:yfb]lv g} ljQLo ;fIf/tfsf] 1fg clej[l4 u/fpg]                

;xsf/Ldf ljBfyL{    

p2]Zon] of] sfo{qmdsf] z'ef/De ul/Psf] xf] . /Tggu/,

                       
;xeflutf
lrtjgb]lv b'lDsaf;, gjnk'/;Ddsf ;fd'bflos      

ljQLo ;fIf/tf /    

ljBfnox¿df of] sfo{qmd ;~rfng ul/Psf] 5 . o;        

ljQLo cg'zf;g
sfo{qmdcGtu{t $! j6f ljBfnox¿ ;xefuL ePsf 5g\ .    

yk ljBfnox¿df sfo{qmd lj:tf/ ub}{ nlug] 5 .            

ljQLo ;dfj]lztf  

cfly{s ;]jf k|bfos ;ª\3 ;+:yfsf] d"n k|jfxeGbf aflx/

ljQLo kx'Fr
         

/x]sf cyjf kfl/Psf ljQLo kx'Fr / cj;/af6 jl~rt

/ cj;/af6
         

;d'bfosf JolQmx¿nfO{ ljQLo ;]jf / ;xeflutfsf] d"n

   

jl~rt ;d'bfosf]
       

k|jfxdf Nofpg] cjwf/0ffcg';f/ sfo{ cufl8 a9fOPsf]

 

;xeflutf
         

5 . h;af6 ljQLo kx'Fr j[l4sf] cleofgdf ;xeflutf    

u/fpg ;xof]u k'u]sf] 5 . o;} u/L s'g} klg a}ª\s tyf
               

ljQLo ;+:yfdf cf}krfl/s ¿kdf ;+nUg gePsf %^# hgf      

(Unbank) :yfgLo JolQmx¿nfO{ o; jif{ ;+:yfdf ;xefuL u/fOPsf] 5 .            

xfd|f] nIo  

28 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

ljkb Joj:yfkg  

;+:yfleq cfOkg]{ ljljw k|s[ltsf hf]lvd / ltgsf]

;xsf/L If]qdf
             

Go"gLs/0fsf nflu ljleGg pkfox¿ cjnDag ub}{ cfO/x]sf    

klxnf] k|of;
         

5f}F . o;}aLr g]kfnsf] ;xsf/L Oltxf;df klxnf] k6s ;+:yfn]

               
 

ljkb Joj:yfkg u[x lgdf{0f u/]sf] 5 . o;cGtu{t ljkb              

hf]lvd Joj:yfkg
   

Joj:yfkgsf k|fylds tyf clt cfjZos ;fdu|Lx¿sf]

   

hf]xf] ul/Psf] 5 .

       

ut jif{sf] ;fwf/0f ;efn] kfl/t u/]sf] jflif{s gLlt tyf sfo{qmddf eP u/]sf
                       

k|ult ;dLIff o; k|sf/ /x]sf] oxfFx¿;dIf cg'/f]w ub}{ ca d rfn' cfly{s jif{                    

@)&(÷)*) sf] nflu k|:tfljt jflif{s gLlt tyf sfo{qmd k|:t't ug]{ cg'dlt              

rfxG5' .

xfd|f] nIo  

v'Pjd\;L 29
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j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO          

æxfd|f] nIo, v'zL Pjd\ :j:y ;b:oÆ          

cfly{s jif{ @)&(÷)*) sf] nflu k|:tfljt        

jflif{s gLlt tyf sfo{qmd    

o; ljs" art tyf C0f ;xsf/L ;+:yf ln= ljutsf jif{b]lv ACCESS Branding        

sfo{qmddf ;xefuL eO{ u'0f:t/Lo ;]jf Pjd\ pRr ;'/Iffsf] cGt/f{li6«o :t/sf]
                       

ACCESS Brand ^ k6s nuftf/ k|fKt ul/;s]sf] / ;~rfngsf] ;kmntfk"j{s              

P]ltxfl;s Pjd\ uf}/jdo #@cf}+ jif{ kf/ ul/;s]sf] k[i7e"lddf ;'zf;g k|j4{g,
                       

;+:yfut ljsf;, PsLs/0f k|j4{g, k|ljlwsf] ljsf; hf]lvd Go"gLs/0f nufot

               

v'zL Pj\d :j:y ;b:o;Fu} ;b:o tyf ;+:yfsf] Jofj;flostf ljsf;sf If]qx¿df                

;+:yfsf] jflif{s gLlt tyf sfo{qmd kl/nlIft ul/Psf] s'/f lgj]bg ug{ rfxG5f}+ .
                     

gLlt tyf sfo{qmd lgdf{0fsf cfwf/x¿      

;d'bfosf x/]s dflg;nfO{ ljQLo ;+:yfsf] kx'Frdf k'¥ofpg' / ljQLo ;]jf pkef]u                

ug{ ;Sg] agfpg' ljQLo ;dfj]zLs/0f xf], ljQLo ;dfj]zLs/0fleq d'Votf # j6f
               

kIfx¿ /x]sf 5g\ M    

s= ljQLo ;fIf/tf  

v= ljQLo ;Ifdtf
u= ;b:o ;'/Iff l;4fGt    

o; jif{ plNnlvt ljifonfO{ ljz]if dxŒj lbFb} ;+:yfsf] ;du| If]qdf u'0f:t/nfO{
                   

Wofg lbO{ of] jif{ u'0f:t/Lo jif{sf] ¿kdf sfo{ ;Dkfbg ul/g] 5 .
                   

;+:yfsf] ljut #@ jif{sf] ;kmn Pjd\ uf}/jdo ;~rfngsf] ;'vb\ cg'ej,

               

sf7df8f}+ ljZj ljBfnoåf/f ul/Psf] ;+:yfsf] k|efj cWoog, ;+:yfsf]

                 

ax'cfoflds ul/aL dfkgsf] k|ltj]bg, xfn ;+:yfn] tof/ u/L ;~rfngdf                

NofPsf ;a} vfn] gLlt, lgod tyf sfo{ljlwx¿, ;+:yfsf]tkm{af6 ljleGg                

cGt/f{li6«o sfo{qmdx¿df ul/Psf] sfo{kq k|:t'lt, lgofds lgsfo ;xsf/L

                 

ljefuaf6 ;do;dodf hf/L x'g] lgb]{zg tyf dfkb08, ;ª\3Lo ;xsf/L P]g              

xfd|f] nIo  

30 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

@)&$, lgodfjnL @)&%, k|fb]lzs ;xsf/L P]g, cGt/f{li6«o ;xsf/L l;4fGt,

                   

cGt/f{li6«o art tyf C0f ;xsf/L ;~rfng;DaGwL l;4fGtx¿, lbuf] ljsf;sf

         

nIonufotsf cg'ej, k/LIf0f, l;4fGt, ljrf/ tyf ;+:yfn] lgwf{/0f u/]sf]                        

cfufdL $ jif]{ Jofj;flos of]hgfn] lnPsf] nIosf] cfwf/df rfn' cfly{s jif{                  

@)&(÷)*) sf nflu ;+:yfsf] jflif{s gLlt tyf sfo{qmd tof/ ul/Psf] 5 .              

sfo{qmdsf af/]df ;a} ;ldlt, pk;ldltx¿, ;]jf s]Gb| Joj:yfkg pk;ldltx¿

                 

/ sd{rf/Lx¿lar ljleGg r/0fdf 5nkmn u/L k|fKt ;'emfj, ;NnfxnfO{ ;d]t

               

;dfj]z u/L PsLs[t ¿kdf cfhsf] o; ;fwf/0f ;efdf ;]o/ ;b:ox¿;dIf

               

k|:t't ub}{ 5f}F .

       

gLlt tyf sfo{qmdn] s]lGb|t u/]sf k|fyldstfx¿         

• ;a}sf] klxnf] /f]hfO          

• ;b:o ;]jfdf ;jf]{:jLsfo{tf (We Never Say No)            

• ;b:o ;]jf    

• ljQLo ;Ifdtf tyf cfo j[l4  

• /fd|f] klg, 7'nf] klg B2 (Best & Biggest)        

• gLlt, ljlw, k|ljlw / l;h{gzLntf        

• ljQLo ;fIf/tf, k|ljlw ;fIf/tf / :jf:Yo ;fIf/tf              

• u'0f:t/Lo ;]jf / ;b:o ;Gt'li6          

• ;an / ;Ifd ;+:yf    

• sf]le8–!( af6 k/]sf] k|efj / c;/ Go"gLs/0f              

• cfGtl/s Jofj;flostf  

• ;'zf;g / hjfkmb]lxtf    

• l;sfO / k|efj If]q lj:tf/        

• sfo{tGq / ;DaGw k|j4{g / lj:tf/            

• ljQLo ;dfj]zLtf  

• pTkfbg tyf ;]jfdf ljljwLs/0f    

xfd|f] nIo  

v'Pjd\;L 31
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg    
;a}sf] klxnf] /f]hfO          

;ª\lIfKt cj:yf ljZn]if0f    

b]z olta]nf sf]/f]gf dxfdf/Laf6 lj:tf/} aflx/ cfpg nflu/x]sf] a]nf ljQLo
                           

If]qdf r/d t/ntf cyf{t\ nufgL of]Uo /sdsf] cefj b]lvPsf] 5 . Aofhb/df
                   

j[l4 x'Fb} uPsf] 5 eg] :6s dfs]{6 lbgfg'lbg cf]/fnf] nflu/x]sf] 5 . 8n/sf]
                             

t'ngfdf g]kfnL d'b|f Oltxf;s} sdhf]/ cj:yfdf k'u]sf] 5 . 8n/sf] d"No nuftf/                    

a9\bf g]kfnL ¿k}ofFdf cfoft a9]/ Jofkf/ 3f6f emg} a9\g] hf]lvd /x]sf] 5 . ¿;–                      

o'qm]g o'4sf sf/0f t]n / UofF;sf] cfk"lt{ ;xh gx'Fbf o'/f]lkog cy{tGq sdhf]/
                     

ag]sf sf/0fn] klg 8n/ dxFluPsf] xf] . t/ /]ld6fG;, ko{6g / j:t' lgof{tdf eg]
                             

8n/ dxFuf] x'Fbf ;sf/fTds k|efj kg{ hfG5 . gofF Jofkf/ Joj;fo lj:tf/ ePsf
             

5}g eg] cfoft al9/x]sf] / lgof{t 3l6/x]sf] 5 . j}b]lzs d'b|fsf] ;l~rt klg sd
                         

x'Fb} uPsf] b]lvG5 . :yfgLo :t/df clxn] a}+s tyf ljQLo ;+:yfx¿ ;xsf/L;Fu
                   

ltj| k|lt:kwf{df cfO/x]sf 5g\, h;sf sf/0fn] ahf/df låljwf ;[hgf x'g k'uL                  

;du| cy{tGqdf To;sf] pN6f] c;/ kl//x]sf] xfdLn] dx;'; ul//x]sf 5f}F . oBlk                          

alnof] ljQLo ;+/rgf, k|ljlwsf] k|of]u, ;b:o s]lGb|t / ;b:o ;xeflutf, ;'zf;g                      

/ b"/b[li6sf sf/0f Jojl:yt, ;/n / lbuf] Pj+ ;'/lIft tj/af6 xfdLn] ;]jf k|bfg
                         

ub}{ cfO/x]sf 5f}F .          

;ª\3Lo /fHo ;+/rgf kZrft\sf] bf];|f] ;ª\3Lo tyf k|b]z cfd r'gfj 3f]if0ff ePsf]                

5 . /fHo ;+oGq / ;Dk"0f{ /fhg}lts bnx¿ To;tkm{ pGd'v 5g\ . r'gfj kZrftsf]
             

;/sf/ lgdf{0f / Tof] ;/sf/n] lng] gLlt tyf sfo{qmdn] klg cfufdL sfo{lbzfnfO{
                         

k|efj kfg]{ 5 eGg] xfdLnfO{ nfu]sf] 5 . o;}sf] k[i7e"lddf ljutsf ;+:yfsf                    

c;n cEof; Pj+ ;+:yfsf] zfv, 5lj / k|lti7fnfO{ ;+/If0f ub}{ gofF hf];\, hfFu/                      

/ ;f]rsf ;fy rfn' cfly{s jif{sf nflu gLlt tyf sfo{qmd k|:tfj ul/Psf] 5 .
               

;+:yfn] rfn' cfly{s jif{ @)&(÷*) sf] nflu k|:tfj ul/Psf] lgoldt jflif{s
                 

gLlt tyf sfo{qmdnfO{ k|s[ltsf] lx;fan] ljQLo tyf u}/ljQLo u/L @ ju{df ljeQm                  

u/L k|:t't ul/Psf] 5 .

       

xfd|f] nIo  

32 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

ljQLo sfo{qmdx¿  

cf=j= @)&(÷*) sf] nflu k|:tfljt    

qm=;+= sfo{qmd l;4fGt ck]lIft k|ltkmn    

lgoldttkm{  

1 ;]o/ ;b:o ! nfv @) xhf/ k'¥ofOg] ;~hfn ;xof]u • ;b:otf lj:tf/ /

                   

;b:otf lj:tf/nfO{ cGt/f{li6«o / ;fdflhs ;fydf sf/f]af/

                   

;xsf/L l;4fGt / ;xsf/L P]gsf] bfloTj Pj+ k|efj If]qdf            

kl/lwleq /xL v'Nnf /fVb} ;a} ju{sf   Jofkstf /xg]5 .              

;d'bfonfO{ ljz]if cleofg ;~rfng • k"0f{ ;b:o        

u/L ;b:otf lj:tf/nfO{ lg/Gt/tf  If]q 3f]if0ff                

lbOg] 5 . vf;u/L clxn];Dd s'g} sfo{qmdnfO{            

klg cf}krfl/s ljQLo kxF'reGbf ;xof]u k'Ug] .        

aflx/sf JolQmx¿nfO{ ;b:o agfOg]        

5 .

gLltut sfo{qmdtkm{    

2 pTs[i6 ;b:o k|f]T;fxg / k|j4{g           ljQLo • cGo ;+:yfsf]    

;+:yfsf ljQLo tyf u}/ljQLo       ;fIf/tf,     af/]df hfgsf/L     

sfo{qmddf ljz]if ¿kdf pRr Pj+     ;b:osf]    x'g]5, yk gofF

   

pTs[i6 ;xeflutf hgfpg' x'g]     cfly{s   s'/f l;Sg ;Sg]    

;b:ox¿ dWoaf6 5gf}6 u/L cWoog       kmfObfdf / cfÇgf] If]qdf

     

tyf cjnf]sg sfo{qmd ul/g] 5 .         a9f]Q/L

    sfo{ ug{ ;Sg],        

sf/f]af/df j[l4        

xfd|f] nIo  

v'Pjd\;L 33
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

3 Joj:yfksLo Ifdtf clej[l4 / ljQLo l:y/tf           • sd{rf/Lsf] nufj,        

:yfloTj
  bIftf, xf};nf j[l4      

;+:yfdf sfo{/t ;a} sd{rf/Lx¿sf]

              / lg/Gt/tf
     

dgf]an pRr /fVg tyf k|efjsf/L

      • sfo{ ;Dkfbg  

sfo{ ;Dkfbgdf k|f]T;fxg ug{       yk Jojl:yt /    

sfo{ef/ / Ifdtfsf] cfwf/df           l;h{gzLn  

dfgjLo ;+;fwgsf] oyf]lrt Joj:yf       • j}slNks vf]hLsf]

     

ul/g] 5 . lbuf] cfly{s k|ltkmndfkm{t

          cfjZostf gkg'{  

:yfloTj k|bfg ul/g] 5 .

      • pTkfbsTjdf j[l4  

4 Money Transfer -ljk|]if0f ;]jf_ ljQLo l:y/tf • PsLs[t ;]jf            

ljk|]if0f ;]jf k|bfos lgsfox¿;Fu   ;+:yfaf6    

cfjZos ;dGjo u/L cfGtl/s k|bfg ugf{n]        

tyf afÞo /sd /sdfGt/ ;]jf ljZj;gLotfdf        

3/af6 g} pkof]u tyf pkef]u ug]{

  j[l4 x'g]5 eg]               

u/L Joj:yf ldnfOg] 5 .   ;+:yfsf] df}h'bf          

sf]if Joj:yfkgdf    

;xof]u ldNg] 5 .    

• artdf j[l4  

5 k|ljlw k"jf{wf/ ;b:osf] • ;+:yfåf/f k|bfg            

;+:yfsf] df}h'bf
  sfof{no cfly{s ul/g] ;]jf tyf              

ejgx¿nfO{ k|ljlwd}qL agfpFb} kmfObfdf ;'ljwfx¿df yk      

nlug] 5 ;fy} ljQLo ;]jfsf] If]qdf a9f]Q/L k|efjsfl/tf               

pknAwtfsf] cfwf/df gofF k|ljlw • sfof{no ;b:od}qL          

Pj+ pks/0fx¿sf] cfjZostf • sfo{;Dkfbg r':t        

cg';f/ vl/b ul/g] 5 . • ;+:yfsf] zfv /              

5ljdf j[l4  

xfd|f] nIo  

34 v'Pjd\;L
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j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

;+:yfut ljsf;tkm{
   

6 hu]8f sf]ifdf cfwfl/t kF'hL ;+/rgf ljQLo l:y/tf,               • ;+:yfsf] ljQLo    

;+:yfsf] ljQLo ;+/rgfnfO{ yk ;b:osf]             ;+/rgf bl/nf],        

dha'b tyf k|efjsf/L agfpFb} cfly{s       ;Gt'lnt

n}hfg] qmddf hu]8f sf]ifdf cfwf/Lt kmfObfdf
          • yk k'FhL kl/rflnt  

;+:yf agfpg] of]hgf cg'¿k kN;{sf] a9f]Q/L               • ljQLo ;Ifdtf

Go"gtd dfkb08cg';f/ r'Qmf ;]o/       • ;b:o ;]jfdf j[l4      

k"FhL k'¥ofOg] 5 . ljQLo ;|f]tsf]       • ;b:o ;fdflhs  

k|efjsf/L kl/rfng / cfGtl/s         ;'/Iffsf  

¿kdf ;'b[8 ;+:yfsf] ¿kdf ljsf;       sfo{qmddf j[l4    

ug]{ p2]Zocg'¿k hu]8f sf]ifdf         

cfwfl/t ;+:yf lgdf{0f ug{ ;DefJo        

ljleGg cfwf/x¿ tou/L sfo{qmd      

;~rfng ul/g] 5 .    

7 ;'/If0f tyf :t/Ls/0f sfo{qmd          ;~hfn • /fli6«o cGt/f{li6«o

     

g]kfn art C0f s]Gb|Lo ;xsf/L ;+3

      ;xof]u,     :t/df zfvdf
   

ln= (NEFSCUN) sf] cfof]hgf tyf     ljZjJofkL j[l4  

Pl;ofnL C0f dxf;+3 (AACCU) kl/b[Zo

    • ;d'bfodf yk
sf] k|fljlws ;xof]udf ;~rflnt
    ljZj;gLotf
ACCESS sfo{qmddf ;xefuL eO{     • sf/f]af/df j[l4        

k|fKt ul/Psf] cGt/f{li6«o :t/sf]               • Jofj;flostfsf]  

ACCESS Brand sf] dflyNnf]     ljsf;

txsf] Brand k|fKt ug{sf] nflu       • ;]jfdf :t/Lotf
     

cfjZos lqmofsnfknfO{ lg/Gt/tf      

lbOg] 5 . :t/Ls/0fsf cGt/f{li6«o            

:t/sf cGo sfo{qmddf ;xeflutfsf]

       

vf]hL ul/g] 5 .      

xfd|f] nIo  

v'Pjd\;L 35
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j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

8 k|efj ljin]if0f tyf cg';Gwfg ljQLo   • ;]jf tyf ;'ljwfsf]

   

;+:yfn] k|bfg u/]sf ;du| lgoldt ;dfj]zLs/0f

           :t/ lgwf{/0f
       

;]jfsf] k|efjsfl/tf Pjd\ ;b:o

        • yk ;]jf tyf  

;Gt'li6 / u'0f:t/Lotfsf ;Gbe{df         ;'ljwfx¿ k|bfg

;b:o ;j]{If0f sfo{ ul/g] 5            ul/g]    

eg] ;+:yfsf] ;du| ;d'bfodf

     

k|efjsfl/tfsf af/]df klg cWoog     

ul/g] 5 .    

9 cfw'lgs k|ljlwsf] PsLs[t ;]jf ;b:osf]           • ;b:osf]    

;~rfng cfly{s   ;xeflutfdf j[l4  

ljQLo If]qdf k|of]udf cfPsf pTs[i6 kmfObfdf       • k|ljlwsf] k|of]uaf6    

k|ljlwx¿ So'=cf/=sf]8 e'QmfgL a9f]Q/L         ;b:o pT;flxt  

k|0ffnL, ld:6sn, P;=Pd=P;= a}+lsª         • ;fdflhs ljZjf;

;]jf, df]afOn l/rfh{, Pl8P;Pn
            • sf/f]af/df j[l4        

l/rfh{, 6]lnkmf]g lan e'QmfgL, lah'nL

            • ;b:o ;'ljwf  

tyf kfgLsf] lan e'QmfgLnufotsf   • ;b:osf] cfsif{0f      

cfw'lgs ;]jfnfO{ yk kl/dflh{t         • PsLs[t ;]jfsf    

/ kl/:s[t ub}{ lg/Gt/tf lbOg]5

                 sf/0f ;b:odf    

eg] O{–a}+lsª tyf O{–k], df]afOn

              j[l4  

a}+lsª, Tablet Banking, PoS,

        • Digital ljs"
Branchless Banking dfkm{t   Digital ;b:osf]    

;]jfnfO{   SMART Banking   cjwf/0ffdf  

k|ljlwsf] cfwf/df SMART VYCCU     of]ubfg  

agfOg] 5 . o;/L ;~rfngdf    

NofOPsf cfw'lgs a}+lsª ;]jfx¿nfO{      

VYCCU WALLET sf] cjwf/0ffdf    

nlug] 5 . o; jiff{Gtdf sl/a      

&% k|ltzt ;b:onfO{ cfw'lgs    

k|ljlwo'Qm ;]jfdf ;xefuL u/fOg]      

5 .

xfd|f] nIo  

36 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

10 ATM ;]jf lj:tf/       ;b:osf]     • k|ljlwd}qL ;b:o    

xfn ;~rfngdf /x]sf]] ATM        cfly{s   • ;]jfdf

 

;]jfnfO{ cfjZstfsf cfwf/df yk       kmfObfdf ljlzi6Ls/0f  

If]qdf lj:tf/ ub}{ nlug] 5 eg] pRr              a9f]Q/L

    • sfof{nodf rfk  

;'/IffcGtu{t lu|g lkg k|of]udf       sd

NofOg] 5 .   • o'jf ;b:osf]    

;xeflutf
11 ;]jf ;dodf ljlzi6Ls/0f     ;b:osf]     • ;b:on] lgwf{l/t
       

xfn ;+:yfn] ljleGg 7fpFaf6 ;]jf       :jfldTj,

    ;doeGbf a9L
s]Gb|dfkm{t ;b:ox¿nfO{ PsLs[t           ;b:osf]     ;]jf k|fKt
 

;]jf k|bfg ub}{ cfO/x]sf] / o;nfO{

               cfly{s   • ;b:osf]    

cem a9L Jojl:yt / yk ;]jf k|bfg       kmfObfdf ;xeflutf /  

ug]{ p2]Zocg'¿k ;GWofsfnLg tyf      a9f]Q/L

    sf/f]af/df j[l4        

#^% lbg] ;]jfnfO{ yk ;]jf s]Gb|           • ;]jfdf

 

:t/df lj:tf/ ul/g] 5 .

            ljlzi6Ls/0f  

• ;+:yfsf] ;]jfdf
     

cfwfl/t zfvdf  

j[l4
 

12 ;b:o :jfut tyf cg'e"lt sfo{qmd       ;b:osf]     • gofFkgsf] cfef;  

;+:yf / ;b:o larsf] ;DaGwnfO{ yk           :jfldTj,

    • cfTdLotfdf
k|uf9 agfpgsf] nflu rfn' cfly{s     ;fdflhs clej[l4  

jif{df ^ k6s nuftf/ ltg lbg x'g]       bfloTj • ;Ddfg tyf

u/L ;b:o :jfut sfo{qmd ;~rfng         ckgTj
ul/g] 5 .     • sf/f]af/df      

lgoldttf

xfd|f] nIo  

v'Pjd\;L 37
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

13 ef}lts k"jf{wf/ lgdf{0f         ;b:osf]     • ;+:yfut :yfloTj    

;+:yfut ljsf;cGtu{t ;dofg's"n     :jfldTj,

    • :yfgLodf ljZjf;
 

ef}lts ;+/rgfsf] plrt Joj:yfkg

        ;b:osf]     • Jojl:yt sfo{    

ub}{ nlug] 5 . s]Gb|Lo sfof{no /            cfly{s   ;Dkfbg

lxdsL/0f ;]jf s]Gb|sf] nflu ejg         kmfObfdf • ;]jf ;xh / ;/n
     

lgdf{0f sfo{ k|f/De ul/g] 5 .           a9f]Q/L

    • nufgLdf
;'lglZrttf

14 PsLs[t ;b:o ;]jf lj:tf/ tyf           ;b:osf]     • ;b:on] :yfgLo      

PsLs/0f   cfly{s   :t/df g} ;]jf

       

;b:odfkm{t ;d'bfonfO{ :yfgLo:t/df             kmfObfdf kfpg] 5g\  

g} ;j{;'ne Pjd\ k|efjsf/L PsLs[t

        a9f]Q/L
    • ;+:yfsf] Joj;fodf
   

;]jf pknAw u/fpg] sfo{qmdcg';f/

          lj:tf/ x'g] 5      

;+efJo Pjd\ plrt :yfgdf   • :yfgLo txdf

 

sfo{If]qleq ;DalGwt lgsfosf]       zfv / 5lj a9\g]    

:jLs[ltdf ;]jf s]Gb| :yfkgf u/L

            5
;~rfngdf NofOg] 5 .  

15 s[lif pTkfbg If]qsf] k|j4{g

        ;b:osf]     • cuf{lgs s[lif    

jt{dfg kl/jlt{t ;Gbe{df cfDbfgLsf]           :jfldTj,

    Joj;fodf pTk|]l/t    

lbuf] ;|f]tsf] ¿kdf s[lif pTkfbgnfO{           ;b:osf]     • s[lif Joj;fonfO{

   

j[l4 ub}{ o; If]qnfO{ yk Jofj;flos

         cfly{s   k|fyldstf
Pjd\ ;'/lIft u/fpg] p2]Zocg'¿k         kmfObfdf • pTkfbg If]qdf  

s[lif Joj;fo ug]{ s[ifs ;b:onfO{

           a9f]Q/L
    nufgL j[l4  

C0fdf lnOg] lgoldt Aofhb/df    

)=&% k|ltzt 5'6 pknAw u/fOg]    

5 ;fy} :yfgLo tx;Fusf] ;dGjodf      

ahf/ Joj:yfkgsf] nflu ;xhLs/0f        

ul/g] 5 .    

xfd|f] nIo  

38 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

16 pBdzLntf / :j/f]huf/L ;[hgfdf             ;b:osf]     • /f]huf/L ;[hgfdf

       

k|f]T;fxg   :jfldTj,
    ;xof]u  

;+:yfaf6 ljz]if u/L slif, s[lifhGo

          ;b:osf]     • s[lif /
   

pTkfbg / kz'kfngsf] If]qdf C0f       cfly{s   kz'kfngnfO{ hf]8    

lnO{ Joj;fodfkm{t # hgfeGbf     kmfObfdf • cfo cfh{gdf j[l4    

a9LnfO{ /f]huf/L k|bfg u/]sf]              a9f]Q/L

    • Joj;fok|ltsf]  

cj:yfdf Aofhb/df )=&% k|ltzt     nufjdf j[l4  

5'6 pknAw u/fOg] 5 . ;fy}      

plNnlvt Joj;fosf] ljsf; /    

k|j4{gsf] nflu yk sfo{ ul/g] 5 .          

xfd|f] nIo  

v'Pjd\;L 39
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

17 :yfgLo tx, lgsfo tyf ;+3

    ;~hfn • ;+:yfsf] k|efj    

;+:yf;Fusf] ;xsfo{
      ;xof]u,
    If]qdf lj:tf/     

• ;+:yfsf] :jLs[t sfo{If]qleqsf

            ;fdflhs • :yfgLo txdf
 

;xsf/L ;+:yfx¿;Fusf]       bfloTj ;xsfo{  

;xsfo{ / PsLs/0fsf]         • Joj:yfkgdf yk  

cleofgnfO{ k|fyldstfsf   xf};nf  

cfwf/df cufl8 a9fOg] 5 .     • ;d'bfosf]  

• g]kfn ;/sf/sf] ;fj{hlgs

          ljZ;gLotf
;xsf/L ;xeflutf   • ;fem]bf/Ldfkm{t      

gLltcg';f/ :yfgLo tx;Fusf]       cGo ;Defjgf

;xsfo{ / ;xeflutfdf     • :yfgLo:t/df ;]jf
       

;fdflhs ;'/Iff Pj+ cfly{s     • Joj;fo / zfvdf  

tyf ;fdflhs ¿kfGt/0fsf   j[l4  

sfo{qmdx¿ ;~rfng ul/g]      

5g\ .
• :yfgLo pBf]u jfl0fHo
   

;+3, ;fd'bflos jg, ;+3    

;+:yfx¿;Fusf]   ;xsfo{df    

;fdlhs tyf cfly{s  

¿kfGt/0fsf sfo{x¿ ul/g]        

5 .
• ;+:yfsf] :jLs[t sfo{ If]qleqsf
           

;xsf/L ;+:yfx¿sf] ;+:yfut        

ljsf;df 6]jf k'¥ofpgsf  

nflu k|fljlws ;xof]u ul/g]      

5 .
• ljho kl/jf/;Fusf]      

;xsfo{df gd'gf ;dfh  

lgdf{0fsf] sfo{nfO{ cufl8        

a9fOg] 5 .  

wGojfb .

xfd|f] nIo  

40 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

u}/ljQLo sfo{qmdx¿      

cf=j= @)&(÷*) sf] nflu k|:tfljt    

qm=;+ sfo{qmd l;4fGt   ck]lIft d'Vo k|ltkmn

 

lgoldttkm{  

1 lgoldt a}7s ;~rfng k|hftflGqs   • lgoldt sfo{  

lgoldt afx]s cfjZostf lgoGq0f   ;Dkfbgdf ;xhtf

cg';f/ ;~rfns ;ldlt, n]vf       • ;+:yf lgoldt  

;'kl/j]If0f ;ldlt, pk;ldlt       ¿kdf ;~rfng

tyf sd{rf/Lx¿sf] a}7s a:g]             • ;+:yfut ;'zf;g  

5 . sfod
• cg'udg tyf
d"Nofª\\sg
2 ;b:o ;xeflutfsf] nflu     ;b:ox¿sf] • ;b:on] ;+:yfut
         

lj:tf/Lt d~r     :jfldTj,

  hfgsf/L kfpg]
     

;+:yfn] ;~rfng ul//x]sf           ;b:ox¿sf] • kl/dflh{t gLlt

       

;]jfx¿sf] af/]df hfgsf/L lbg]

           lgoGq0f lgodsf] cBfjlws  

tyf gLltut ;'wf/sf nflu   • u'gf;f] / ;'emfjsf]      

cfjZos ;'emfj lng] sfo{sf     ;xL Joj:yfkg  

nflu k|To]s ;]jf s]Gb|af6       • ;';"lrt x'g] cj;/    

jflif{s Go"gtd b'O{ j6f kg]{        • ;+:yfsf ;]jf    

u/L ;b:osf] lj:tf/Lt d~r           tyf ;'ljwfx¿sf]  

;~rfng ul/g] 5 .     ahf/Ls/0f    

xfd|f] nIo  

v'Pjd\;L 41
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO          

3 jflif{s pT;j tyf ;fwf/0f k|hftflGqs • ;Ddfg tyf ljz]if

     

;ef lgoGq0f, sfo{qmd ;~rfng    

;+:yfsf] #@cf}+ jflif{sf]T;j tyf ;b:ox¿sf] • sfo{ ;Dkfbgsf]

                 

##cf}+ jflif{s ;fwf/0f ;ef :jfldTj  d"Nofª\\sg /        

;DkGg ul/g] 5 . cg'df]bg      

• cfufdL jif{sf] :ki6      

sfo{lbzf to x'g]5    

• k|ult ;dLIff /  

kl/dfh{gsf] cj;/        

• ;DaGwsf] gjLs/0f    

4 ;b:o :jfut   ljQLo • ;b:on] ;+:yfut

       

k|To]s ;]jf s]Gb|df ;DalGwt ;fIf/tf

  hfgsf/L kfpg]
         

dlxgfsf gofF ;b:ox¿nfO{ • df]h'bf gLlt      

:jfut / cled'vLs/0f sfo{qmd

  lgodsf] cBfjlws
       

lg/Gt/ ;~rfng ul/g] 5 .

    • ;';"lrt x'g] cj;/        

• ;+:yfsf ;]jf    

tyf ;'ljwfx¿sf]  

ahf/Ls/0f    

• ;+:yfsf ;a}    

k|lqmofx¿sf] af/]df     

hfgsf/  

• b}lgs sfo{    

;Dkfbgdf ;lhnf]  

xfd|f] nIo  

42 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

5 lzz' bz{g tyf ;'Ts]/L e]63f6 ;b:ox¿sf]          • ;b:osf] ePsf]        

dlxnf ;]o/ ;b:o ;'Ts]/L :jfldTj,             cfTd;Ddfg /    

ePdf pknAw u/fpFb} cfPsf] ;fdflhs       uf}/j    

/sd / pNn]lvt ;fdfg ;fydf

  bfloTj     • ;b:o aGgsf] nflu    

-¿=!,))).–_ gub;lxt   k|f]T;fxg  

;+:yfsf] k|ltlglw ;b:osf] 3/df           • dlxnf :jf:Yo    

pkl:yt eO{ pknAw u/fpg] /           ;hstf

;f]xL cj;/df gjhft lzz'nfO{       • yf]/} ;Gtfgk|lt     

cfFs'/f artdf ;b:o agfOg]]        pTk|]/0ff    

5 . • ;b:o;Fusf]    

cfTdLotf /  

;fdLKotf
• afn artsf]  

k|j4{g  

6 ue{jtL ;b:osf] nflu kf]l;nf]           ;fdflhs • dlxnf :jf:Yo    

cfxf/   bfloTj, ;hutf .  

:j:y ;b:osf] cjwf/0ff cg';f/

            ;b:o ;]jf • ;b:o aGgsf] nflu
       

ue{jtL ;b:osf] nflu ue{jtL         k|f]T;fxg .  

ePsf] () lbgb]lv ;'Ts]/L         • yf]/} ;Gtfgk|lt     

cj:yf;Dd kf]l;nf] cfxf/         pTk|]/0ff .    

pknAw u/fOg] 5 .    

7 gLlt lgdf{0f   ljQLo • gLltk|wfg ;+:yf,    

;+:yfnfO{ cfjZos kg]{ gLlt,          l:y/tf

    • sfo{;Dkfbgdf  

lgod tyf sfo{ ;~rfng   bf]xf]/f]kg / emGem6

         

ljlwx¿sf]] tof/ ug]{ tyf df}h'bf           sd,  

gLlt lgodx¿sf] ;dofg's"n   • Joj:yfkg kIf  

kl/dfh{g ub}{ nlug] 5 .          alnof] / hjfkmb]xL,        

• ;+:yfut ;'zf;g .  

xfd|f] nIo  

v'Pjd\;L 43
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO          

8 ;xsdL{ d"Nofª\\sg / ;Gt'li6 k|hftflGqs     • ;+nUgtfsf] :t/      

dfkg lgoGq0f dfkg, ;xeflutf  

;+:yfsf] gLlt tyf sfo{qmdnfO{

        a9\g],    

;b:o;dIf k'¥ofpg] sfo{df

      • ;~rfnssf] Ifdtf  

;+nUg Joj:yfkg / gLlt     ljsf;df ;xof]u,    

lgdf{0fsf] txdf ;+nUg     • sfo{;Dkfbg  

;~rfnsx¿sf] sfo{ ;Dkfbg,       d"Nofª\sg,  

;Gt'li6 dfkg / ;xsdL{sf]       • k'/:sf/ tyf     

d"Nofª\\sg u/L k|fKt glthfsf]     xf};nf,

   

cfwf/df ljsf; of]hgf lgdf{0f       • sfo{bIftfdf j[l4,      

u/L ;a} txsf] sfo{;DkfbgnfO{

          • sd{rf/Lsf] :t/          

yk k|efjsf/L agfOg] 5 .     dfkgdf ;xof]u,    

• xf};nf tyf
 

;'wf/sf] of]hgf      

lgdf{0f,    

• Ifdtf klxrfg /  

pQ/bfloTj .  

9 ljs"sf] 6]Sg] n¶L       ;fdflhs • ;fdflhs ;Ddfg,  

;dfhsf cu|h Pj+ cg'ejsf bfloTj, • b'Mvsf] ;fxf/f,

       

w/f]x/ Ho]i7 ;b:ox¿nfO{

            ;b:o ;]jf • ;+:yfdf ;+nUgtf,
       

;Ddfg ub}{ ;b:ox¿sf] nflu        • ;+:yfk|ltsf]

   

ljs"sf] 6]Sg] n¶L k|bfg ul/g]           ckgTj .

5 .

xfd|f] nIo  

44 v'Pjd\;L
:;b:
j:oy
 
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

10 ue{b]lv :ju{;Dd ;fdflhs • ;'/Iffsf] cg'e"lt

           

;+:yfn] ;b:osf] nflu ;~rflnt bfloTj, • cfTd;Ddfg

         

;a} k|sf/sf ;fdflhs ;b:o ;]jf • ;dfhk|ltsf] rf;f]

           

;'/Iffsf sfo{qmdx¿nfO{ o;}        

zLif{scGtu{t PsLs[t u/L        

ue{b]lv :ju{;Dd sfo{qmd          

;~rfng ul/g] 5 . :yfgLo      

txn] ;~rfng ug]{ o:t} k|s[ltsf           

;fdflhs ;'/Iff;Fu ;DalGwt  

sfo{qmdx¿;Fu cfjZos  

;dGjo ul/g] 5 .    

gLltut sfo{qmdtkm{    

11 Jofj;flos bIftf ljsf; ljQLo • Ifdtf j[l4,    

;~rfns ;ldlt, n]vf     ;fIf/tf

  • sfo{z}nLdf    

;'kl/j]If0f ;ldlt, Pjd\ cGo       kl/jt{g,      

pk;ldlt tyf ;]jf s]Gb|     • d"Nofª\sg tyf

Joj:yfkg pk;ldltx¿sf]     cg'udg,  

Ifdtf, sfo{bIftf Pj+     • ;xeflutf tyf

Jofj;flostf clej[l4sf nflu   of]hgf lgdf{0fdf
   

tflnd, cfGtl/s / afÞo       ;xof]u,    

cjnf]sg e|d0fnufotsf   • k|efjsf/L  

sfo{qmdx¿sf] cfof]hgf tyf       sfo{;Dkfbg .  

;xeflutfsf] Joj:yf ul/g] 5 .        

xfd|f] nIo  

v'Pjd\;L 45
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO         

12 cfw'lgs, cu|0fL Pj+ k|efjsf/L     ljQLo • Ifdtf tyf

Joj:yfkg   ;fIf/tf,     sfo{bIftfdf  

ljQLo If]qdf tLj| ¿kdf   ;b:osf]     clej[l4,    

kl/jt{g x'Fb} uPsf] ;b:o ;]jfsf]

              :jfldTj
  • b}lgs 

k|f¿k;Fu} ;+:yfdf sfo{/t ;a}           sfo{;~rfngdf  

txsf sd{rf/Lx¿sf] Ifdtf       k|efjsfl/tf,    

Pjd\ sfo{ bIftf clej[l4sf nflu     • nIo k|flKtdf

sd{rf/Lsf] :jd"Nofª\sgsf
        ;xof]u, of]hgf      

cfwf/df ljsf; of]hgf;lxtsf]       lgdf{0f /    

sfo{qmdsf] cfof]hgf ul/g] 5 .           sfof{Gjog, pT;fx    

sd{rf/Lx¿sf]  sfo{;Dkfbg       a9\g], ;+:yfsf]        

d"Nofª\sgsf cfwf/df k'/:s[t         Joj;fodf j[l4,    

Pjd\ xf};nf clej[l4 u/fOg]         ;+:yfk|ltsf] nufj,

     

5 . • :yfloTj .
 

13 3/b}nf] -Door Step_ ;]jf

  ;fdflhs       • cfly{s  

;+:yfn] xfn pknAw u/fPsf bfloTj,

        lqmofsnfkdf
;]jf / ;]jfu|fxL ;b:osf]
  ljQLo         ;+nUgtf,  

juL{s/0f -pd]/, ef}uf]lns ;dfj]zLs/0f

                  • ;j{;'ne ;]jf,      

cj:yf tyf ljQLo ;dfj]lztf_     • ;+:yfut ;fvdf 

nfO{ cfwf/dfGb} ;b:ox¿nfO{

          j[l4,    

cfjZstf cg';f/ 3/b}nf]         • ahf/Ls/0f .    

-Door Step_ ;]jf k|bfg ul/g]      

5 .

xfd|f] nIo  

46 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

14 bL3{sfnLg 5fqj[lQ ;b:ox¿sf] • ;fdflhs       

;LdfGts[t ;]o/ ;b:osf :jfldTj, pQ/bfloTj,                

5f]/f5f]/LnfO{ 5fqj[lQ lbg] ;fdflhs • ;b:o ;xeflutf,

                 

sfo{nfO{ lg/Gt/tf lbFb} ;+:yfsf] bfloTj • afn art ;b:o .                

df}h'bf 5fqj[lQ gLltcg';f/

     

;+:yfsf] lj:tf/Lt sfo{ If]qsf]              

cfwf/df 5fqj[lQ pknAw u/fOg]        

5 . o;sf] lbuf] lg/Gt/tf tyf        

Joj:yfkgsf] nflu j}slNks      

pkfox¿sf] vf]hL ul/g] 5 .        

15 PsLs[t ;fIf/tf sfo{qmd ljQLo • ;b:odf cfly{s          

;b:ox¿sf] nflu PsLs[t ;fIf/tf, cg'zf;g tyf          

¿kdf ljQLo, :jf:Yo tyf ljZjJofkL ldtJolotf, :j:y            

k|ljlw (Financial, Health kl/b[Zo hLjgofkg,        

and Technology literacy) • ;xh hLjgz}nL,    

;fIf/tf sfo{qmd ;3g ¿kdf cfw'lgs k|ljlwsf]      

;~rfng ul/g] 5 . o;sf k|of]u / kx'Frdf        

nflu cfjZos :jo+;]jsx¿sf] j[l4 .        

Joj:yfkg ul/g] 5 .      

xfd|f] nIo  

v'Pjd\;L 47
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

16 pBd / pBdL ;b:o ;b:ox¿sf]         • :j/f]huf/sf

       

:yfgLo tx, k|b]z / s]Gb|df :jfldTj,

              cj;/sf] ;[hgf,        

pBdzLntf ;+u ;DalGwt ;fdflhs • bIf hgzlQmsf]  

;Lk k|bfos lgsfox¿;Fu bfloTj pTkfbg,  

cfjZos ;Dks{ / ;dGjo u/L       • j}b]lzs /f]huf/sf]

           

;b:ox¿nfO{ cfocfh{g tyf

      cj;/,    

Jofj;flos bIftf ljsf;;Fu • cfocfh{gdf  

;DalGwt ljleGg k|s[ltsf   ;'wf/ .  

;Lkd"ns tyf Jofj;flos

tflndx¿sf] cfof]hgf ul/g]        

5 . ljleGg k]zf tyf  

Joj;fodf cfj4 ;b:ox¿;Fu  

r/0fj4 ¿kdf e]nf tyf

   

cGtlqm{of sfo{qmd ul/g] 5 .        

cfufdL lbgdf pBdL aGg

k|lta4 ;b:ox¿sf] e]nfdfkm{t        

;b:ox¿nfO{ yk pBdzLn
   

aGg k|]l/t ul/g] 5 .        

17 sn ;]G6/ (Call Center) ;b:ox¿sf] • ;]jfdf ;xhtf,

           

;b:o;Fu ;DalGwt ;+:yfsf :jfldTj • ;"rgfdf kx'Fr,

       

;"rgfx¿nfO{ k|efjsf/L • ljZj;gLotfdf    

agfpg sn ;]G6/sf] :yfkgf j[l4 .          

(call center/toll free no.)  

ul/Psf] / o;nfO{ yk Jojl:yt

         

ul/g] 5 .
   

xfd|f] nIo  

48 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

18 :s"n :s"ndf ljs"     ljQLo • ljBfyL{x¿df art  

PsLs[t ;fIf/tf ;fIf/tf       ;fIf/tf   ug{] afgLsf] ljsf;,

      

sfo{qmd -ljQLo, k|ljlw, :jf:Yo_           • ljQLo ;fIf/tf,    

nfO{ lj:tf/ ug]{ qmddf o;          • ;d"xdf sfd ug{]   

sfo{qmd yk ljBfnodf lj:tf/       afgLsf] ljsf;,    

ul/g] 5 . o; cGtu{t ul7t       • g]t[Tj ljsf;,

     

ljBfyL{ art ;d"xnfO{ ;lqmo     • afn art ;b:odf  

agfOg] 5 .   j[l4 .

 

19 jsfnt tyf P]Soa4tf   ;~hfn • sfo{tGq Pj+  

• ;xsf/Lsf] l;4fGtnfO{       ;xof]u

  ;~hfn lgdf{0f  

cfTd;fy ub}{ ;d'bfodf    • bafa tyf

cfwfl/t ;xsf/Lx¿sf] k|b]z         jsfntdf ;xof]u  

;/sf/;Fusf] ;xsfo{df         • cfk;L l;sfOsf]  

u08sL k|b]z:t/Lo lzv/         cj;/  

uf]i7Lsf] cfof]hgf ul/g] 5 .          

• ljleGg txsf sfo{tGqdf  

g]t[TjbfoL ;xeflutf hgfOg]      

5 .

20 clen]vsf] ljB'tLo Joj:yfkg       ljQLo • ;'/lIft tyf

 

-Digitalized_ ;fIf/tf   Jojl:yt  

;+:yfsf sfuhL clen]v tyf     clen]v .  

lqmofsnfkx¿nfO{ cfw'lgs   • sfuh/lxt ;]jfnfO{      

k|ljlwsf] k|of]u u/L Jojl:yt         ;xof]u .  

ub}{ n}hfg] qmddf o; jif{ ;DkGg         

ul/g] 5 .    

xfd|f] nIo  

v'Pjd\;L 49
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO         

21 ul/aLd'Qm pGd'v ;dfh

  ;b:ox¿sf] • ;xsf/Lsf]        

ul/aLd'Qm  pGd'v ;dfh :jfldTj, cjwf/0ffsf] k|j4{g          

lgdf{0fsf] cjwf/0ffcg'¿k ;fdflhs • ;+:yfsf] zfv /

           

ljleGg txsf] ;dGjodf bfloTj 5lj lj:tf/      

cfjZos sfo{ ul/g] 5 . • :yfloTj / cfly{s            

;xeflutf k|j4{g  

22 hf]lvd Joj:yfkg
  ;b:ox¿sf] • ;+:yfut hf]lvd          

;+:yf;Fu ;DalGwt ;a} k|sf/sf :jfldTj,

  sd x'g uO{          

hf]lvd Joj:yfkgsf nflu ;fdflhs

  ;b:osf] ljZjf;df      

cfjZos ;Dk"0f{ sfo{ ul/g] 5M bfloTj j[l4          

• ;+:yfaf6 x'g] ;a} gub   • ;'/Iff / cfjZos        

sf/f]af/x¿sf] l8lh6n sfuhftsf] ;+/If0f

           

clen]vLs/0f / nfdf] • sfo{ ;Dkfbgdf          

;do;Ddsf] l8lh6n ;xhtf  

clen]v df}Hbft /flvg] 5 .        

• C0f nufgL;Fu ;DalGwt

lnvtx¿sf] l8lh6n  

clen]vLs/0f ul/g] 5 .        

• ;a} l8lh6n clen]vx¿nfO{      

;Dej eP;Dd Snfp8df

gePdf cfGtl/s 8f6fj]zdf    

Jojl:yt / ;'/lIft ul/g]          

5 .
• ljkb hf]lvd Go"gLs/0fsf]      

nflu cfsl:ds u[x tof/      

ul/g] 5 .    

• ;+:yfsf] cfO6L ljefunfO{      

l8lh6n k|ljlwsf] k|of]u /      

;'/Iffsf nflu yk Jojl:yt    

ul/g] 5 .    

xfd|f] nIo  

50 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

;+:yfut :yfloTjtkm{
     

23 ;b:o tyf k|ljlwd}qL ;]jf       ;b:osf]     • r':t / k|efjsf/L

     

;+:yfåf/f ljleGg If]qdf       cfly{s   ;]jf,   

;~rflnt ;]jf s]Gb|x¿sf]       kmfObfdf • ;]jf u|x0fdf

 

:t/f]Gglt u/L PsLs[t ;]jf

            a9f]Q/L,
      ;xhtf,  

;~rfngnfO{ lg/Gt/tf lbFb}         ljQLo • sfo{;Dkfbgdf  

cTofw'lgs Pjd\ yk ;b:o tyf   l:y/tf

    ;xhtf,  

k|ljlwd}qL agfOg] 5 .     • ;b:o tyf  

sf/f]af/df j[l4,          

• 5lj lj:tf/ tyf    

Jofj;flostf .
24 ;b:o /fxt sf]if       ;fdflhs • b'Mvsf] ;fyL ljs"  

;fdflhs ;'/Iff sfo{qmd cG/ut       bfloTj eGg] efjgfsf]    

;b:osf] d[To' ePdf ;b:o         ljsf;,  

kl/jf/nfO{ pknAw u/fpFb}           • cleefjsTj,  

cfOPsf] /sd ?=@%,))).–       ckgTj

nfO{ lg/Gt/tf lbOg] 5 .         • ;b:otfdf j[l4 .    

25 ;b:o :jf:Yo ladf       ;b:osf]     • ;fdflhs ;'/Iffdf  

xfn ;~rfngdf /x]sf] ;b:o         cfly{s   clej[l4,    

:jf:Yo ladf sfo{qmdnfO{ ladf

        kmfObfdf • ;b:otfdf j[l4,      

;'ljwfsf cGo k|fljlws kIfsf]   a9f]Q/L,

      • :jf:Yo pkrf/
     

cWoog u/L ladf sfo{qmdnfO{       ;fdflhs vr{df sdL,    

yk ;b:od}qL agfpFb} nlug]         bfloTj • ;+:yfut ;+nUgtf,

   

5 . • :jf:Yo ;r]tgf .

     

xfd|f] nIo  

v'Pjd\;L 51
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

26 ljs" j8f ;/f]sf/ d~r       ;fdflhs • lqmofsnfk /  

x/]s ;]jf s]Gb|df Ps–Ps j6f

       bfloTj,   ;xeflutfdf j[l4,    

kg]{ u/L j8f ;/f]sf/ d~r            ;~hfn • ;b:od}qL    

u7g u/L ljleGg sfo{qmdx¿     ;xof]u   sfo{;Dkfbg,    

;~rfng ul/g] 5 ;fy} ljs"sf]         • ;d'bfok|ltsf]  

sfo{If]qleqsf ;Dk"0f{ 3/w'/L           hjfkmb]lxtf,    

;b:o ePsf j8fnfO{ k"0f{ ;b:o         • :yfgLo ljsf;df

 

If]qsf ¿kdf 3f]if0ff ul/g] 5 .

        lg/Gt/tf,
     

• ;"rgf ;Dk|]if0fdf  

;xof]u .  

27 ;b:osf] s/];faf/L xl/of]              ;b:osf]    • v';L Pj+ :j:y    

t/sf/L     cfly{s   ;b:o lgdf{0fdf

   

;+:yfn] ;~rfng
  NofPsf]     kmfObfdf ;xof]u  

;b:osf] s/];faf/L xl/of]              a9f]Q/L

    • n3' pBdzLntfsf]  

t/sf/L sfo{qmdnfO{ :yfgLo

          k|j4{g  

tx;Fusf] ;xsfo{df yk If]qdf       • cfocfh{gdf  

lj:tf/ tyf ;+:yfut ul/g] 5 .           ;xof]u  

28 o'jf;Fu ljs" ;fdflhs • ;d'bfok|ltsf]  

;fdflhs ;+jfxssf] ¿kdf   bfloTj pQ/bfloTj  

/x]sf] o'jf zlQmnfO{ ;xsf/Ldf

          • ;Eo ;dfhsf]  

k|ljlwdfkm{t ;xefuL agfpFb}     lgdf{0fdf ;xof]u    

;fdflhs ljs[lt / lj;ª\ultnfO{       • ;fdflhs ;b\efj

Go"gLs/0f ug]{ p2]Zon] sfo{qmd            sfod /xg] 5    

;~rfng ul/g] 5 .     • o'jfju{df  

;xsf/Lsf]    

cjwf/0ffsf] ljsf;    

xfd|f] nIo  

52 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

29 hLjgz}nLdf ;xhtf ljQLo   • ;]jfsf] pRrtd

   

cfw'lgs k|ljlw tyf pks/0fsf]] ;dfj]zLs/0f          k|of]u  

pRrtd k|of]udfkm{t b}lgs       • cfly{s ;xeflutf  

hLjgz}nLnfO{ yk ;/n / ;xh         j[l4

 

agfpFb} 3/–3/df k|ljlwsf]         • k|ljlw ;fIf/tfdf  

pkof]unfO{ yk ;'lglZrt /       j[l4

 

lj:tf/ ug{sf] nflu cfw'lgs         • cfTdljZjf; tyf

k|ljlw tyf pks/0f ;b:onfO{       cfTd;Ddfg
3/df g} pknAw u/fpg] Joj:yf           • ;xh hLjgz}nL  

ldnfOg] 5 .  

30 r'nf]b]lv rf}tf/f];Dd ;fdflhs           • cfly{s ;xeflutf  

;d'bfosf x/]s If]qsf bfloTj,        j[l4

 

JolQmx¿nfO{ cf}krfl/s ljQLo ;b:ox¿sf]           • cfTdljZjf; tyf

;]jfdf ;+nUg u/fO{ cfly{s tyf :jfldTj
          cfTd;Ddfg
;fdflhs ¿kfGt/0fsf nflu   • ;xh hLjgz}nL  

clt g} pkof]uL ;d"x u[lx0fL       • ;b:o ;xeflutf /

   

dlxnf / cu|h JolQmnfO{ b}lgs       ckgTjdf j[l4  

hLjgofkg / k];f, pd]/sf]            

;fy{s dxŒj bzf{pg k|efjsf/L      

sfo{qmd ;~rfng ul/g] 5 .      

xfd|f] nIo  

v'Pjd\;L 53
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg    
;a}sf] klxnf] /f]hfO
         

31 ljz]if sfo{qmd ;fdflhs • ;DalGwt ju{sf      

• PsLs/0f eO{ ;~rfngdf bfloTj JolQmx¿ nfeflGjt    

cfPsf ;]jf s]Gb|x¿df x'g] .      

Joj;fo lj:tf, ;b:o lj:tf, • ;dfj]zL ;dfh            

;fdflhs pQ/bfloTj / lgdf{0fdf ;xof]u .        

Ifdtf clej[l4sf PsLs[t    

sfo{qmd ;3g¿kdf  

;~rfng ul/g] 5 .    

• zf/Ll/s ¿kdf czQm    

tyf km/s Ifdtf ePsf  

;+:yfsf ;b:ox¿ s]lGb|t      

ljz]if sfo{qmd lgdf{0f tyf      

;~rfng ul/g] 5 .    

cfb/0fLo ;]o/ ;b:oHo"x¿, oxfFx¿n] tLg jif{cufl8 k|bfg ug'{ePsf] cd"No

                 

ljZjf;sf ;fy jt{dfg ;~rfns ;ldltnufot dnfO{ k|bfg ug'{ePsf] lhDd]jf/L            

cfkm\gf] Ifdtf, ;Lk, ;do / cg'ejsf] cfwf/df /xL sfo{ ;Dkfbg ug]{ k|of; u/]sf
                       

5f}+ . k|:t't jflif{s gLlt tyf sfo{qmdnfO{ k"0f{ ¿kdf sfof{Gjogdf Nofpg tkfO{+ ;Dk"0f{
                 

;]o/ ;b:oHo"x¿sf] ct'ngLo of]ubfg /xg] s'/f cg'/f]w ug{ rfxG5' . tkfO{+x¿sf]
                         

o; ;+:yfdf clwstd\ ;xeflutf ePdf dfq oL gLlt tyf sfo{qmdx¿sf] pknlAw

     

xfl;n ug{ ;lsg] 5 t;y{ k|:t't ul/Psf] gLlt tyf sfo{qmdn] tkfO{+ ;a}sf]]                        

;+:yfdf lgoldt ;xeflutf a9fpg] 5 eGg] xfd|f] ck]Iff /x]sf] 5 .

               

wGojfb 1fkg ;DaGwdf

cGTodf, ut cfly{s jif{el/ g} s'g} g s'g} txdf ;+:yf;Fu glhsdf /x]/ e"ldsf
                     

lgjf{x ug'{x'g], xfdLnfO{ k|ToIf jf k/f]If h'g;'s} ¿kdf ;xof]u k'¥ofpg' x'g] ;a}k|lt
                     

xflb{s cfef/ JoQm ub}{ o; ;+:yfsf] ut cfly{s jif{ @)&*÷)&( sf] k|ult
                 

;dLIff tyf rfn' cf=j= @)&(÷)*) sf] k|:tfljt jflif{s gLlt tyf sfo{qmd        

w}o{tfsf ;fy >j0f ul/lbg' ePsf]df ;Dk"0f{ ;b:ox¿k|lt xflb{s wGojfb lbFb}
               

o; ljifd kl/l:yltdf klg ;+:yfnfO{ hLjGt /fVgsf] nflu oxfFn] k'¥ofpg' ePsf]                

;xof]u / ;dy{gk|lt cfef/ JoQm ub}{ aGb ;qdf cfˆgf] cd"No ;'emfj, ;Nnfx
               

lbg'x'g] 5 eGg] ck]Iffsf ;fy labf x'G5 .      

wGojfb Û ho ljs" Û ho ;xsf/L Û  

xfd|f] nIo  

54 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

cfly{s jif{ @)&*÷)&( sf] ljQLo      

ljj/0f tyf  

cfly{s jif{ @)&(÷)*) sf nflu    

k|:tfljt ljQLo nIo tyf ah]6

   

sflnbf; uf}8]n    

sf]iffWoIf
 

o; ##cf}F ;fwf/0f ;efsf cWoIf dxf]bo, cltlyHo"x¿, k|]/0ffbfoL JolQmTjx¿,                

;]o/ ;b:oHo"x¿, ljleGg ;+3 ;+:yfaf6 pkl:yt x'g'ePsf cWoIf Pj+

           

k|ltlglwHo"x¿, ;~rfns ;ldlt, n]vf ;'kl/j]If0f ;ldlt, cGo pk;ldltsf            

kbflwsf/LHo"x¿, kqsf/ ldqx¿, sd{rf/L ;fyLx¿ / z'e–lrGts dxfg'efjx¿ .              

o; ljs" art tyf C0f ;xsf/L ;+:yf ln= sf] ##cf}F jflif{s ;fwf/0f ;efdf            

sf]iffWoIfsf] tkm{af6 ut cf=j= @)&*÷)&( sf] cfly{s ljj/0f tyf rfn'

           

cf=j= @)&(÷)*) sf nflu k|:tfljt jflif{s nIo tyf ah]6 k|:t't ug{ kfpFbf          

lgs} v';L nfu]sf] 5 .     

P]ltxfl;s ;Gbe{
   

:yfgLo :t/df 5l/P/ /x]sf] ;–;fgf] k'FhLnfO{ artsf] dfWodaf6 PsLs[t u/L
                         

To;}sf] kl/rfngaf6 ;+:yfdf ;+nUg ;b:ox¿sf] cfly{s tyf ;fdflhs :t/

                 

dfly psf:b} cfTdlge{/tf a9fpg] clek|fon] ljqmd ;Djt\ @)$* ;fn efb|            

% ut] tTsfnLg ljho o'jf Sna -xfn ljho ljsf; ;|f]t s]Gb|_ sf] ljz]if
         

kxn / cu|;/tfdf @^ hgfaf6 b}lgs %) k};f art u/f}F eGg] ;Gb]zsf ;fy
               

o; ;+:yfsf] :yfkgf Pjd\ z'ef/De ul/Psf] xf] . o; ;+:yfn] #!cf}F jif{ kf/ ubf{
                         

cyf{t\ @)&( cfiff9 d;fGt;Dd ;]o/ k'FhL / cGo sf]ifx¿sf] u0fgf ubf{ sl/a
               

! c/a ^@ s/f]8 k'FhL sf]if lgdf{0f ul/;s]sf] 5 eg] C0f nufgLsf] s'n u0fgf
                   

ubf{ sl/a @# c/a #@ s/f]8 () nfv C0f nufgL ug{ ;kmn ePsf] 5 .
             

xfd|f] nIo  

v'Pjd\;L 55
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg    
;a}sf] klxnf] /f]hfO          

;+:yf ;~rfngsf] qmddf ut cf=j= k|lts"n cy{tGqsf afah'b\ xfd|f nflu

     

pT;fxk|b /Xof] . Pl;ofnL C0f dxf;ª\3 (ACCU) sf] k|fljlws ;xof]udf,          

g]kfn art tyf C0f s]Gb|Lo ;xsf/L ;ª\3 ln= (NEFSCUN) sf] cfof]hgfdf
         

;~rflnt ACCESS sfo{qmddf ljut * jif{b]lv ;xefuL eO{ lgwf{l/t ljQLo            

;an kIfsf cfwf/e"t dfkb08 k"/f ug{sf nflu df}h'bf ;DalGwt ;a} ;+/rgfsf]              

;dofg's"n kl/dfh{g ub}{ cfof}F, h"g s'/fnfO{ oxfF k|:t't ePsf ljQLo cfFs8fn]                    

k'i6\ofOF ug{ d2t ug]{5g\ eGg] dnfO{ nfu]sf] 5 .              

g]kfn ;/sf/sf] gLltcg';f/ ut cfly{s jif{ @)&*÷&( sf] n]vfk/LIf0f

                   

k|ltj]bgnfO{ g]kfn ljQLo k|ltj]bg dfg {Nepal Financial Reporting Standards

         

(NFRS)} sf] cfwf/df tof/ ul/Psf] 5 . ljutdf g]kfn :t/sf] n]vfdfgsf]                        

cfwf/df n]vfk/LIf0f ul/Fb} cfPsf]df ljQLo k|ltj]bgnfO{ yk u'0f:t/Lo /

                     

cGt/f{li6«o :t/ cg';f/sf] agfpg] qmddf NFRS k4ltdf n]vfk/LIf0f k|ltj]bg

                   

tof/ ul/Psf] xf] . o; jif{af6 ;'? ul/Psfn] ljutsf] n]vf k/LIf0f k|ltj]bgdf
                     

eGbf o; jif{sf]df k'FhL tyf bfloTj, ;DklQ, cfDbfgL / vr{sf zLif{sx¿df              

;fdfGo kl/dfh{g ePsf 5g\ . o;sf] cfwf/df ul/Psf] n]vfk/LIf0f / k|:t't                    

ul/Psf] n]vfk/LIf0f k|ltj]bgn] ubf{ ;+:yfsf] 5lj / ljZj;gLotfdf j[l4 x'g

                     

hfg]5 .  

;ª\lIfKt kl/j]z ljZn]if0f      

ljZj olta]nf sf]/f]gf ;ª\qmd0fsf] k|efjaf6 d'Qm x'g] cj:yftkm{ pGd'v 5 . ;a}                  

Jofkf/, Joj;fo tyf ljQLo If]qx¿ lgjf{b¿kdf ;~rfngdf cfpg yfn]sf 5g\ .
         

oBlk ut cfly{s jif{df >Lnª\sfsf] cfly{s tyf /fhg}lts cj:yf, /l;of                  

o'qm]g o'4h:tf cGt/f{li6«o kl/j]zn] b]zsf] cy{tGqdf k|lts"n k|efj kg{ uof] .
                       

kmn:j¿k /fHon] cfoftdf gofF gLlt nfu" ugf{n] ;du| Jofkf/, Joj;fodf To;sf]
               

c;/ kg{ uof] / cy{tGqdfly g} l6sf–l6Kk0fL x'g yfn] .

             

ljQLo If]q olta]nf r/d t/ntfsf] bafadf /x]sf] 5 . ljk|]if0f cfk|jfxdf sdL,                    

cfoftdf pRr j[l4 lgof{tdf sdL, ;/sf/L ljsf; vr{df ;'wf/ gx'g', b]zleq                  

nufgLsf] nflu cg's"n jftfj/0f gaGg' / ko{6ssf] cfudg z'Go h:tf sf/0fn]                

xfd|f] nIo  

56 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO          

jflif{s k|ltj]bg    

cy{tGq k|lts"n cj:yfaf6 rln/x]sf] b]lvG5 . o:tf] k[i7e"lddf xfdLn] jflif{s

                     

ah]6 to u/]sf 5f}F .

       

ljQLo ;dfj]lztfdfkm{t cfly{s ljsf; tyf ;d[l4sf nflu /fli6«o tyf          

cGt/f{li6«o :t/df ljleGg k|of;x¿ ePsf 5g\ . oBlk tL k|of;sf afah'b ljZj
       

hg;ª\Vofsf] 7"nf] lx:;f cem} klg ljQLo kx'FreGbf aflx/ /x]sf] h"g ljifo ul/aL                  

Go"gLs/0fsf nflu r'gf}tLsf] ¿kdf pkl:yt ePsf] 5 . kl5Nnf] tYofª\scg';f/              

ljZjsf s'n jo:s -!* jif{eGbf a9L pd]/sf_ hg;ª\Vofsf] sl/a $) k|ltzt            

dflg; cf}krfl/s ljQLo ;]jfsf] kx'FreGbf aflx/ /x]sf 5g\ . g]kfndf ljut                

s]xL jif{b]lv ljQLo ;dfj]lztfsf nflu ul/Psf c;n cEof;sf sf/0f ljQLo
           

kx'Frsf] lj:tf/ tyf ul/aL Go"gLs/0fdf ;'wf/ x'Fb} uPsf] b]lvG5 . t/ sf]/f]gfsf]
                           

k|efjsf sf/0f of] cj:yfdf hl6ntf k}bf ePsf] klg tYofª\s aflx/ cfPsf] 5 .              

oBlk ljQLo kx'Frdf pNn]vgLo k|ult eg] x'g ;s]sf] 5}g .          

o;} k[i7e"lddf xfd|f] h:tf] ;xsf/L ;+:yfsf] ;fGble{stf cem a9]/ uPsf] cg'ej
                       

xfdLn] u/]sf 5f}+ . cf}krfl/s ljQLo kx'Frn] ul/aL Go"gLs/0fdf ;sf/fTds e"ldsf
                   

v]Ng ;Sg] ;}4flGts kIf xf] . o; dfGotfsf] cfwf/df plNnlvt p2]Zox¿df

             

ck]lIft pknlAw xfl;n ug{ ;xsf/Lsf] cem ;zQm e"ldsfsf] vfFrf] dx;';
           

ePsf] 5 .  

ljutsf] jif{df xfdLn] k|:tfj u/]sf ljQLo k|If]k0fx¿dWo] w]/}n] nIo xfl;n ug{                          

;kmn ePsf 5g\ . ljutsf] t'ngfdf ;+:yfsf] ljQLo ;+/rgf ;an / ;Ifd x'Fb}            

uO/x]sf] k[i7e"lddf /x]/ utjif{ s]–slt pknlAwx¿ xfl;n ug{ ;lsP eGg] af/]df
                         

Jofks 5nkmn / cWoogkZrft\ ;+:yfsf ;lrjHo"åf/f k|:t't k|:tfljt jflif{s            

gLlt tyf sfo{qmdsf] cwLgdf /xL ut jif{ @)&*÷)&( sf] cfly{s ;dLIff tyf            

rfn' cf=j= @)&(÷)*) sf nflu k|:tfljt ljQLo nIo tyf ah]6 >j0f ul/lbg'      

eO{ ;Nnfx, ;'emfjsf] ck]Iff /fVb5' .

         

xfd|f] nIo  

v'Pjd\;L 57
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO          

cfly{s k|ltj]bg    

cfly{s jif{ 2078÷079 sf] cGt;Dddf s'n ;DklQ ut jif{sf] t'ngfdf sl/a 11
           

k|ltztn] j[l$ eO{ ¿=8,64,70,36,613.00 k'u]sf] % . ut cf=j= 2078÷079

                 

df s'n cfDbfgL ¿=94,55,47,814.00 / vr{ ¿=65,62,41,198.00 eO{                  

;~rfng d'gfkmf ¿=28,93,06,616.00 ePsf] lyof] . ;xsf/L lgodcg';f/              

o; jif{ hf]lvd a]xf]g]{ sf]ifdf ¿=1,89,49,317.00 vr{ n]Vbf vr{eGbf cfDbfgL

                        

a(L ePsf]n] ¿=27,03,57,299.00 -cfos/ cl#_ art x'g uPsf] % . o;              

cf=j= 2078÷079 sf] cGt;Dddf 49,719 hgf dlxnf, 50,452 hgf k'?if        

u/L hDdf 100,171 ;]o/ ;b:ox¿n] 22,28,099 lsQf ;]o/ vl/b u/]kl%
                        

s'n r'Qmf ;]o/ k'“hL ¿= 90,93,16,300.00 k'u]sf] % .              

;]o/ nufgLtkm{      

cf=j= 2077÷078 df afx\o ;ª\#÷;+:yfdf nufgL ¿=1,19,76,200.00        

lyof] eg] pNn]lvt /sddf ¿= 152,400.00 n] j[l$ x'guO{ o; jiff{Gt;Dd

                 

?=1,21,28,600.00 sfod /x]sf] % .

           

lgIf]k ;ª\sngtkm{    

cf=j= 2077÷078 sf] cGt;Dddf s'n lgIf]k ;ª\sng ¿=6,54,82,49,405.00            

lyof] eg] cf=j= 2078÷079 df pQm /sddf sl/a 7 k|ltztn] j[l$ eO{
             

¿=6,98,71,38,565.00 k'u]sf] % .           

t/ntftkm{    

ut cf=j= 2078÷079 df t/ntfsf] l:ylt dfl;s cf};t clwstd 30        

k|ltzt ;fpg dlxgfdf / Go"gtd 15 k|ltzt kf}if dlxgfdf u/L jflif{s cf};t          

sl/a 23 k|ltzt /x\of] . o;/L jif{sf] cGtdf cyf{t\ 2079 cfiff( d;fGtdf
             

t/ntf s'n lgIf]ksf] 20 k|ltzt / s'n ;DklQsf] 16 k|ltzt sfod /x]sf] % .
               

C0f nufgL tyf c;'nLtkm{  

cf=j=2078÷079 sf] cGt;Dd ;+:yfn] 46,635 hgf ;b:onfO{ s'n            

¿=23,32,90,73,000.00 C)f nufgL ul/;s]sf] % . h;dWo] cf=j= 2078÷079

               

df dfq 6,726 hgf ;b:ox¿nfO{ ¿=7,49,30,24,000.00 C)f nufgL              

xfd|f] nIo  

58 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

ul/Psf] % . C)f c;'nLtkm{ ;f]xL cjlw;Dd s'n ¿=15,83,60,49,000.00

               

ePsf] % eg] cf=j= 2078÷079 df dfq ¿=6,28,41,16,574.00 c;'nL

           

ePsf] % . 2079 cfiff( d;fGt;Dd C)f nufgLdf ¿=7,12,61,01,661.00

         

/ 11,765 hgf C)fL ;b:o /x]sf %g\ . o; jif{sf] cf};t C)f k|ltJolQm
               

¿=6,05,704.00 k'u]sf] % . h'g cf};t ut jif{ ¿=5,18,927.00 /x]sf]

                     

lyof] .  

/fh:jdf of]ubfg      

o; ljs" art tyf C)f ;xsf/L ;+:yf ln= n] cf=j= 2078÷079 df ljleGg      

zLif{scGtu{t tkl;ncg';f/ :yfgLo tx tyf cfGtl/s /fh:j sfof{no,

                 

aa/dxndf s/ bflvnf ul/Psf] %M       

zLif{s /sd ¿=    

#/ axfn s/ -:yfgLo txdf_

 
9,52,492.00    
   

nfef+z s/ 73,90,708.00  
   

;|f]tdf s/s§L
 
2,04,39,454.00  
     

cfo s/ 87,13,922.00  
   

kfl/>lds s/  
10,24,190.00  
   

;fdflhs ;'/Iff s/ 10,81,549.00    

   

Aofh s/ 3,99,40,388.00  
     

hDdf 7,95,42,703.00      

ljQLo ;]jftkm{    

y cf=j= @)&*÷&( df ;+:yfsf] s'n ;b:o ut jif{sf] t'ngfdf sl/a @#            

k|ltztn] j[l¢ ug{ ;kmn ePsf] tyf o; cjlw;Dd ;+:yfsf] s'n ;b:o              

!)),!&! k'u]sf] 5 .      

y cf=j= @)&*÷&( df ;+:yfsf] s'n k'FhL -OlSj6L_, ut jif{sf] t'ngfdf          

@( k|ltztn] j[l¢ ug{ ;kmn ePsf] tyf o; cjlw;Dd ;+:yfsf] s'n k'FhL            

-OlSj6L_ ¿=! c/a ^@ s/f]8 k'u]sf] 5 .          

xfd|f] nIo  

v'Pjd\;L 59
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

y cf=j= @)&*÷&( df ;]o/ k'FhL sl/a #@ k|ltztn] j[l¢ ug{ ;kmn ePsf]              

tyf o; cjlw;Dd ;+:yfdf r'Qmf ;]o/ k'FhL ¿= () s/f]8 (# nfv !^          

xhf/ # ;o k'u]sf] 5 . o; jif{ dfq @@ s/f]8 @* nfv ( xhf/ ( ;o

     

;]o/ yk ePsf] 5 .
y cf=j=@)&*÷&( df art ;ª\sngtkm{ ut jif{sf] t'ngfdf & k|ltztn]        

j[l¢ ug{ ;kmn ePsf] tyf o; cjlw;Dd ;+:yfdf art ;+sng ¿= ^

       

c/a (* s/f]8 &! nfv #* xhf/ % ;o ^% k'u]sf] 5 .

           

y cf=j=@)&*÷&( df C0f nufgL ut jif{sf] t'ngfdf sl/a @% k|ltztn]        

j[l¢ ug{ ;kmn ePsf] tyf o; cjlw;Dd C0f nufgL /sd ¿= & c/a
         

!@ s/f]8 ^! nfv ! xhf/ k'u]sf] 5 .          

cfb/0fLo ;]o/ ;b:oHo"x¿, ca d cf=j= @)&*÷&( sf] ut ;fwf/0f ;efåf/f

               

lgo'Qm ul/Psf s'j]/ Pg e§/fO{ P08 sDkgLsf n]vfk/LIfs jl/i7 rf6{8{ Psfp06]G6
             

>L clgn hf]zLåf/f n]vf k/LIf0f ul/Psf] n]vfsf] ;f/f+z k|:t't ug{] cg'dlt
                       

rfxG5' .
gfkmf–gf]S;fg lx;fa  

cfDbfgL zLif{s   /sd ¿=  

Aofh cfDbfgL -C)f nufgL_ 82,03,94,420.00

     

Aofh cfDbfgL -a}+s_  

9,13,44,075.00      

k|j]z z'Nsaf^
 
7,03,210.00    

cGo cfDbfgL 63,07,383.00    

cjnf]sg e|d)f  
87,000.00  

nufgLaf^ k|fKt 12,17,181.00    

/]ld^\ofG; ;]jf
    
44,19,409.00    

P;=Pd=P;= ;]jf  
32,03,600.00    

k|zf;lgs z'Ns 1,78,71,536.00      

s"n cfDbfgL 94,55,47,814.00      

xfd|f] nIo  

60 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

vr{ zLif{s     /sd ¿=

 

sd{rf/L vr{      
9,45,50,283.00      

k|zf;lgs vr{  
5,72,05,339.00      

k|j${gfTds vr{    
38,33,208.00    

Aofh vr{  
51,29,00,664.00      

hf]lvd Aoxf]g{] sf]ifsf] Joj:yf

            
1,89,49,317.00      

s"n vr{  
68,74,38,812.00      

-cfos/ cl#_ v'b art  

25,81,09,002.00
     

ljQLo cj:yfsf] ljj/0f      

;DklQ cf=j= 2078÷79 bfloTj cf=j= 2078÷79

gub tyF gub ;dFg 1,08,21,82,057.00 lgIf]k bfloTj           6,98,71,38,566.00
       

shf{ tyf ;fk^ 7,07,57,99,584.00 sd{rf/L af]g;

                2,58,10,900.00      

;'/Ô)FkqdF nuFgL
  33,21,28,600.00 cGo bFloTj       1,84,36,761.00      

l:y/ ;DklQ
  11,44,90,713.00 r'Qmf ;]o/ k'“hL
            90,93,16,300.00      

cGo ;DklQ 4,24,35,659.00 hu]*f tyf sf]ifx¿           70,63,34,086.00      

hDdF 8,64,70,36,613.00 hDdF         8,64,70,36,613.00

       

s"n cfDbfgLdf vr{sf] cg'kft    

ljj/0f   /sd ¿=   o; jif{ -Ü_  

sd{rf/L vr{      
9,45,50,283.00       10=00
k|zf;lgs vr{  
5,72,05,339.00       6=05
k|j${gfTds vr{    
38,33,208.00     0=41
Aofh vr{  
51,29,00,664.00       54=24
hf]lvd sf]if Joj:yf
     
1,89,49,317.00       2=00
-cfos/ cl#_ v'b art  
25,81,09,002.00       27=30
s"n /sd  
94,55,47,813.00       100=00

xfd|f] nIo  

v'Pjd\;L 61
:;b:
j:oy 
 

 
 
 
 
jflif{s k|ltj]bg    
;a}sf] klxnf] /f]hfO
         

s"n ;DklQdf k'FhL tyf bfloTjsf] cg'kft  

ljj/0f   /sd ¿=   o; jif{ -Ü_  

lgIf]k bfloTj   6,98,71,38,566.00 80=80

       

sd{rf/L af]g;       2,58,10,900.00 0=30      

cGo bFloTj 1,84,36,761.00 0=21      

r'Qmf ;]o/ k'“hL     90,93,16,300.00 10=52      

hu]*f tyf sf]ifx¿    70,63,34,086.00 8=17      

hDdF 8,64,70,36,613.00 100=00

       

s"n k'FhL tyf bfloTjdf ;DklQ tyf hfoh]yfsf] cg'kft    

ljj/0f /sd ¿= o; jif{ -Ü_      

gub tyF gub ;dFg 1,08,21,82,057.00 12=52        

shf{ tyf ;fk^   7,07,57,99,584.00 81=83        

;'/Ô)FkqdF nuFgL
  33,21,28,600.00 3=84      

l:y/ ;DklQ
    11,44,90,713.00 1=32      

cGo ;DklQ 4,24,35,659.00 0=49      

hDdF 8,64,70,36,613.00 100=00        

ljQLo ;+:yfsf] :j:ytfnfO{ dfkg ug{ cGt/f{li^«o -PEARLS_ kN;{sf]                    

l;$fGtcg';f/ x]l/G% . pQm l;$fGtcg';f/ o; ;+:yfsf] jt{dfg cfly{s                

:j:ytfsf] cj:yf lgDgfg';f/sf] % M

           

cg'kft cg'kft nIo -Ü_ o; cf=j=-Ü_

P1 1 jif{eGbf a(L efvf gf#]sf] C)fsf] Joj:yf
          100 100
P2 1 jif{eGbf sd efvf gf#]sf] C)fsf] Joj:yf
          35 35
P3 c;n C)f 1 1
E1 nufgLdf /x]sf] C)f       70–80 81=49
E3 art lgIf]k   70–80 79=90

xfd|f] nIo  

62 v'Pjd\;L
:;b:
j:oy
 
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

E4 afx\o C)f a(Ldf 5 0

E5 ;]o/ k'“hL
    10–20 10=40
E6 ;+:yfut k'“hL   Go"gtd 10 5=58
A1 efvf gf#]sf] C)f     5 eGbf sd 3=16
A2 cfo cfh{g gug{] ;DklQ      5 eGbf sd 2=34
R9 ;~rfng vr{   a(Ldf 5 1=54
L1 t/n ;DklQ   a(Ldf 20 20=08
S10 ;b:otf j[l$     Go'gtd 10 18=37
sDtLdf
S11 s'n ;DklQdf j[l$ 11
d'b|f:kmLltsf] b/
 

     

xfd|f] nIo  

v'Pjd\;L 63
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

cfly{s jif{ @)&(÷*) sf nflu k|:tfljt

     

ljQLo nIo tyf ah]6  

;]o/ k'FhL    

o; cf=j= sf] cGt;Dddf ;]o/ k'“hLtkm{ ¿= 92 s/f]* 40 nfv k'¥ofpg] nIo

             

/flvPsf] % .
   

art ;ª\sng
o;/L g} art ;ª\sngtkm{ o; cf=j=sf] cGt;Dddf ¿= 9 c/a 12 s/f]*
             

81 nfv 65 xhf/ k'¥ofpg] nIo /flvPsf] % .        

cfDbfgL vr{  

cfDbfgLtkm{ o; cf=j=sf] cGt;Dddf ¿= 1 c/a 35 s/f]* 17 nfv 41 xhf/

           

k'Ug] % . o; cfly{s jif{sf] cGt;Dddf vr{nfO{ ¿= 92 s/f]* 59 nfv 30

               

xhf/df ;Lldt ug{] nIo /flvPsf] % .

        

afXo C0ftkm{  

;+:yfn] C)f dfusf] rfknfO{ b[li^ut u/L cGo ljQLo lgsfox¿;u cfjZos
           

;dGjosf ;fy afx\o C)fsf] Joj:yfkg ul/g] % .        

C0f nufgLtkm{  

o; cf=j= 2079÷080 df 20,035 hgf ;b:onfO{ ¿= 9 c/a 63 s/f]* 96            

nfv 94 xhf/ C)f nufgLdf /xg] % .      

xfd|f] nIo  

64 v'Pjd\;L
:;b:
j:oy
 
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

cf=j= @)&*÷&( sf] ljQLo k|ult ;dLIff  

Pj+
cfufdL cf=j= @)&(÷*) sf nflu k|:tfljt  

ljQLo nIo tyf ah]6  

art ;ª\sngtkm{  

cfly{s jif{ @)&*÷&( sf] cg'dflgt, jf:tljs / cf=j= @)&(÷*) sf nflu

           

k|:tfljt  

artsf k|sf/ cg'dflgt -2078÷79_ jf:tljs -2078÷79_ k|:tfljt -2079÷80_      

dfl;s art 1,06,12,53,000.00 95,28,71,792.00 1,25,43,31,000.00                      

b}lgs art
 
11,95,65,000.00 15,03,88,543.00 21,01,41,000.00                  

v'q's] art 53,66,000.00

 
35,86,531.00 45,94,000.00            

P]lR%s art
 
3,64,65,44,000.00 1,54,59,78,885.00 1,68,30,97,000.00                        

d'@tL art 3,50,25,76,000.00 3,93,48,57,485.00 5,14,10,47,000.00                        

/]ld^\ofG; art
  
20,65,40,000.00 12,57,59,855.00 15,80,23,000.00                  

of]hgf art 
2,66,97,000.00 2,15,28,812.00 2,57,52,000.00                  

cGo art 29,18,72,000.00 25,21,66,662.00 65,11,80,000.00                  

hDdf 8,86,04,13,000.00 6,98,71,38,565.00 9,12,81,65,000.00                        

cf=j= @)&*÷&( sf] cg'dflgt, jf:tljs / cf=j= @)&(÷)*) sf] nflu          

k|:tfljt cfDbfgL vr{sf] ljj/0f        

-s_ cfDbfgL tkm{  

cg'dflgt jf:tljs k|:tfljt

zLif{sx¿
   

-2078÷079_ -2078÷079_ -2079÷080_

 

C)f nufgLaf^ Aofh 83,00,00,000.00 82,03,94,420.00 1,20,08,15,000.00                    

a}+s Aofh cfDbfgL

 
11,00,00,000.00 9,13,44,075.00 10,63,25,000.00                  

nufgLaf^ k|fKt 6,05,000.00 12,17,181.00 6,56,000.00            

k|j]z z"Ns  
12,50,000.00 7,03,210.00 7,50,000.00            

cjnf]sg  
3,00,000.00 87,000.00 5,00,000.00          

k|zf;lgs z"Ns 3,25,00,000.00 1,78,71,536.00 1,04,55,000.00                  

xfd|f] nIo  

v'Pjd\;L 65
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg    
;a}sf] klxnf] /f]hfO
         

cGo cfDbfgL 40,00,000.00   45,19,506.00   44,00,000.00        

ladf 30,00,000.00   3,98,897.00  30,00,000.00        

/]ld^\ofG; cfo
  
80,00,000.00 44,19,409.00
    86,40,000.00        

P;=Pd=P;= ;]jfaf^  
1,20,00,000.00
    32,03,600.00 1,20,00,000.00
           

Pl^Pd ;]jfaf^  
40,00,000.00 13,88,980.00
    42,00,000.00       

hDdf 1,00,56,55,000.00 94,55,47,814.00 1,35,17,41,000.00

                     

-v_ vr{tkm{    

k|:tfljt jf:tljs k|:tfljt

zLif{sx¿
     

-2078÷079_ -2078÷079_ -2079÷080_

 

Jofh vr{  

lgIf]k Aofh vr{ 48,00,00,000.00 51,29,00,664.00 73,02,54,000.00

   
                 

k|zf;lgs vr{  

dx;'n vr{ ljB't\ kfgL 17,00,000.00 17,33,472.00 18,70,000.00  

           

^]lnkmf]g  
9,21,000.00 8,13,617.00 10,13,000.00
 
           

O{G^/g]^
 
18,00,000.00 18,88,611.00
 
19,80,000.00
 
           

;/;kmfO vr{  
13,00,000.00 7,93,264.00 14,30,000.00  
           

#/ef*f vr{ 80,00,000.00 75,91,748.00

 
88,00,000.00  
           

d;nGb vr{ 50,00,000.00 66,34,195.00 55,00,000.00  

           

%kfO{ vr{ 22,00,000.00 26,18,168.00  

24,20,000.00  
           

kf]i^ clkm; vr{  

3,000.00 7,135.00 4,000.00  
     

kqklqsf tyf k':ts vr{ 25,000.00 13,300.00 28,000.00    

     

dd{t vr{ 18,00,000.00

 
19,01,066.00 19,80,000.00  
           

cltly ;Tsf/ vr{ 2,00,000.00 0.00 2,20,000.00    

       

a}&s ;'ljwf vr{

 
20,00,000.00 14,49,050.00 20,00,000.00  
           

;fwf/)f ;ef vr{ 28,00,000.00 23,17,160.00 30,80,000.00

   
           

jflif{sf]T;j vr{ 2,00,000.00 49,585.00

 
2,20,000.00    
         

n]vfk/LIf)f -cfGtl/s tyf

8,00,000.00 5,54,383.00 2,50,000.00
     

NFRS_
           

n]vfk/LIf)f -afx\o_
 
3,00,000.00 3,00,000.00 3,50,000.00  
           

aLdf vr{ -lgoldt_ 11,00,000.00 8,58,640.00 12,10,000.00  

           

xfd|f] nIo  

66 v'Pjd\;L
:;b:
j:oy 
 

 
 
 
 
;a}sf] klxnf] /f]hfO          

jflif{s k|ltj]bg    

a}&s ;~rfng vr{

 
11,10,000.00 5,66,576.00  
        12,21,000.00    

sfof{no ;~rfng vr{ 20,50,000.00  

24,56,343.00  
        22,55,000.00    

;Ddfg tyf k'/:sf/ vr{ 3,00,000.00 1,59,798.00        

        3,30,000.00    

jflif{s ;Def/ vr{ 12,00,000.00

 
8,70,353.00    
        13,20,000.00    

sldzg vr{ 4,45,000.00 3,60,467.00  

        4,89,000.00    

oftfoft vr{ 2,00,000.00 1,02,526.00  

        2,20,000.00    

x|f; s^\^L vr{ 72,00,000.00 1,21,18,633.00  

          81,19,000.00    

OGwg vr{ 10,00,000.00 16,96,159.00  

        15,00,000.00    

b}lgs e|d)f vr{

 
4,00,000.00 89,250.00  
      4,40,000.00
   

;b:otf gjLs/)f vr{  

5,00,000.00 4,08,855.00    
        5,50,000.00    

sfof{no ;fdu|L vr{ 18,00,000.00  

13,26,314.00  
        19,80,000.00
   

;]jf s]Gb| vr{

 
20,00,000.00 15,81,351.00   
        10,00,000.00    

gjLs/)f vr{ 5,00,000.00 10,88,357.00

   
        5,50,000.00    

;DklQ laqmL gf]S;fg vr{ 3,00,000.00 1,05,664.00    

        3,30,000.00    

a}ª\s vr{
 
0.00 69,744.00  
  1,00,000.00    

sd{rf/L vr{      

sd{rf/L tna eQf vr{  

5,60,00,000.00 5,59,75,122.00    
            6,37,00,000.00
     

;~rosf]if vr{ 1,12,00,000.00 39,71,446.00    

          63,70,000.00    

sd{rf/L kf]zfs vr{  

28,50,000.00 29,65,285.00      
        35,90,000.00    

rf*kj{ vr{ 36,00,000.00 35,69,822.00    

        53,75,000.00    

pkbfg 40,00,000.00 0.00     53,75,000.00    

;fdflhs ;'/Iff sfo{qmd vr{      

k|ljlw ;fIf/tf / k|f]T;fxg

3,50,000.00 0.00 4,66,000.00
     

sfo{qmd
       

ul/aLd'Qm pGd'v ;dfh sfo{qmd

 
1,50,000.00 0.00  
    1,99,000.00    

;b:o aLdf sfo{qmd vr{  

1,50,000.00 0.00    
    1,99,000.00    

lzz' bz{g tyf ;'Ts]/L e]^#f^ 12,00,000.00 9,34,100.00        

        15,98,000.00    

kl/jf/ lgof]hg k|f]T;fxg

 
50,000.00  
4,000.00    
    67,000.00  

;b:o tyf ;d'bfo ;/f]sf/  

1,00,000.00 5,14,878.00      
        1,33,000.00    

/fxt tyf ;xof]u vr{

 
2,00,000.00 5,000.00    
      2,66,000.00    

xfd|f] nIo  

v'Pjd\;L 67
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg    
;a}sf] klxnf] /f]hfO
         

ljkb Joj:yfkg vr{ 0.00 0.00    

5,00,000.00    

;"rgf tyf k|ljlw vr{  

PsLs[t ;fIf/tf sfo{qmd vr{ 7,00,000.00 0.00        

    4,32,000.00    

ATM ;]jf ;~rfng vr{ 4,00,000.00 2,84,946.00    

        5,33,000.00    

df]afOn PK; vr{  

15,00,000.00 15,31,721.00  
        19,97,000.00    

SMS ;]jf vr{ 20,00,000.00 13,67,705.00    

        26,62,000.00    

k|j${gfTds sfo{qmd vr{      

ahf/ k|j${gfTds sfo{qmd 10,00,000.00 9,37,168.00

     
        13,31,000.00    

lj!fkg tyf ;"rgf vr{ 2,00,000.00 60,175.00  

      2,66,000.00    

kf]lifnf] cfxf/f sfo{qmd

 
5,00,000.00 1,05,675.00      
        6,65,000.00    

:s'n :s'ndf ljs" sfo{qmd

 
3,00,000.00 0.00    
    3,99,000.00    

o'jf;“u ljs" sfo{qmd vr{ 1,50,000.00 0.00    

    1,99,000.00    

PsLs/)f vr{ 2,00,000.00 0.00    

    2,66,000.00    

%fqj[lQ vr{ 10,00,000.00 9,16,195.00

   
        13,31,000.00    

s/];faf/L sfo{qmd vr{   

5,00,000.00 2,08,961.00      
        6,65,000.00    

;Lkd"ns tflnd vr{ 5,00,000.00 0.00  

    6,65,000.00    

;jnLs/)F tyf ;~hfnLs/)f lj:tf/ vr{          

;'/If)f tyf :t/Ls/)f sfo{qmd

2,00,000.00 1,08,480.00 2,66,000.00
         

vr{
           

;b:o ;j]{If)f vr{ 2,00,000.00

 
0.00     
    2,66,000.00    

dfgjLo ;|f]t ljsf; vr{ 5,00,000.00 8,32,344.00    

        6,65,000.00    

sd{rf/L pTk|]/)ff vr{  

0.00 0.00        
5,00,000.00    

ljho kl/jf/ ;xsfo{ vr{ 1,00,000.00 0.00        

    1,33,000.00    

;xsf/L ;dGjo vr{ 1,00,000.00 0.00    

    1,33,000.00    

k|efj ljZn]if)f tyf cg';Gwfg

3,00,000.00 28,250.00 3,99,000.00
 

vr{
         

of]hgf lgdf{)f÷;dLIff
 
3,00,000.00 4,78,886.00  
        10,65,000.00    

j]j;fO^ lgdf{)f÷;~rfng
 
2,00,000.00 1,69,500.00  
        2,66,000.00    

shf{ hf]lvd sf]if vr{ 6,00,00,000.00 1,89,49,317.00

       
            3,94,25,000.00
     

s'n vr{ 68,06,54,000.00 66,16,27,912.00  

      92,59,30,000.00
     

xfd|f] nIo  

68 v'Pjd\;L
:;b:
j:oy 
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

;Dk'li6 M
y ut cf=j=df hf]lvd Joj:yf k|fjwfgcg';f/ o; sf]ifsf nflu        

¿=1,89,49,317.00 vr{ n]lvPsf] % .            

y df}h'bf af]g; P]gcg';f/ ¿=2,58,10,900.00 sd{rf/L af]g;sf nflu

                   

o; jif{ vr{ n]lvPsf] % .      

y rfn' cf=j= 2079÷80 sf nflu hf]lvd Joj:yf sf]ifdf      

¿=3,94,25,000.00 k|:tfj ul/Psf] % . o;/L x]bf{ rfn' cf=j= df                  

s'n vr{ ¿=92,59,30,000.00 x'g] cg'dfg ul/Psf] % .              

y rfn' cf=j= df cfo s/ cl#sf] art ¿=42,62,61,000.00 x'g] u/L              

ljQLo nIo k|:tfj ul/Psf] % .      

@)&( cfiff9 d;fGtsf] cg'dflgt, jf:tljs / @)*) cfiff9        

d;fGtsf nflu k|:tfljt ljQLo cj:yfsf] ljj/0f        

k'FhL tyf bfloTjtkm{  

ljj/)f   cg"dflgt -2078÷79_ jf:tljs -2078÷79_ k|:tfljt -2079÷80_    

;]o/ k'hL
    80,00,00,000.00 90,93,16,300.00 92,40,00,000.00
lgIf]k ;ª\sng  8,86,04,13,000.00 6,98,71,38,565.00 9,12,81,65,000.00
hu]*f tyf cGo sf]if
    93,62,46,000.00 70,63,34,086.00 1,23,47,06,000.00
cGo bfloTj 60,87,78,000.00 4,42,47,662.00 30,84,60,000.00
hDdf 11,20,54,37,000.00 8,64,70,36,613.00 11,59,53,31,000.00

;DklQ tyf hfoh]yftkm{    

ljj/)f   cg"dflgt -2078÷79_ jf:tljs -2078÷79_ k|:tfljt -2079÷80_    

gub 2,03,26,00,000.00 1,08,21,82,057.00 1,66,58,90,000.00

C)f nufgL 8,86,04,13,000.00 7,07,57,99,584.00 9,63,96,94,000.00
;'/If)f kq 14,53,36,000.00 33,21,28,600.00 9,92,45,000.00

xfd|f] nIo  

v'Pjd\;L 69
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO          

l:y/ ;DklQ
    15,65,84,000.00 11,44,90,713.00 18,22,42,000.00
cGo ;DklQ 1,05,04,000.00 4,24,35,659.00 82,60,000.00
hDdf 11,20,54,37,000.00 8,64,70,36,613.00 11,59,53,31,000.00
ut cf=j= 2078÷79 df ;+:yfsf] s'n ;DklQ ¿=11,20,54,37,000.00 x'g]              

cg'dfg ul/Psf]df 78 k|ltztn] pknlAw xfl;n eO{ ¿=8,64,70,38,813.00                

k'u]sf] % . o;}u/L cf=j= 2079÷80 sf] cGTo;Dddf o; ;+:yfsf] s'n ;DklQ
             

¿=11,59,53,31,000.00 k'Ug] cg'dfg ul/Psf] % . of] /sd ut cf=j= sf]

                   

;DklQsf] t'ngfdf sl/a 33 k|ltztn] j[l$ x'g] cg'dfg ul/Psf] % .

             

sf/f]af/nfO{ c;/ kfg]{ d'Vo tŒjx¿             

ƒ ljut s]xL ;dob]lv ljQLo If]qdf b]lvPsf] t/ntf ;d:ofsf tyf nufgL            

of]Uo /sdsf] cefjsf sf/0f kg{ ;Sg] c;/,

ƒ t/ntf cefjsf sf/0f art ;ª\sng tyf C0f nufgLsf] Aofhb/df
       

c:j:y k|lt:kwf{af6 kg{ ;Sg] c;/,               

ƒ 3/hUufdf ePsf] pRr nufgL tyf k'“hL ahf/df pNn]Vo ;'wf/ gb]lvPsf
           

sf/0f kg{ ;Sg] c;/,          

ƒ s]Gb|Lo a}ª\s tyf ;xsf/L ljefun] a}+s, ljQLo tyf ;xsf/L;DaGwL gLlt
             

tyf lgb]{zgdf kl/jt{g ubf{ kg{ ;Sg] c;/,                  

ƒ ljutsf] t'ngfdf ljk|]if0f cfoft b/df cfPsf] sdLsf sf/0f kg{ ;Sg]              

c;/,    

ƒ ;+:yfaf6 k|bfg u/]sf] tyf ul/g] dWosfnLg tyf bL3{sfnLg C0fx¿ ljQLo
             

cj:yfsf sf/0f ;dodf e'QmfgL gx'Fbf kg{ ;Sg] c;/x¿,            

ƒ ahf/df xfn ;~rflnt tyf gof k|j]z x'g] a}ª\s tyf ljQLo ;+:yfx¿,            

;xsf/L cleofgsf] 5lj lgdf{0fdf s]xL ;+:yfx¿sf] sdhf]/ ;+:yfut                  

;'zf;gsf sf/0f kg{ ;Sg] c;/,          

ƒ /fhg}lts cl:y/tf / ;'/Iffsf sf/0f ;Defljt ahf/sf] ;ª\s'rgsf sf/0f

                   

kg{ ;Sg] c;/x¿,        

ƒ /fli6«o tyf cGt/f{li6«o ¿kdf x'g] cfly{s lzlyntf Pj+ dGbLsf sf/0f x'g
           

;Sg] c;/x¿,      

xfd|f] nIo  

70 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

ƒ ;xsf/L P]g @)&$ / lgodfjnL @)&% sf] sfof{Gjogsf qmddf kg{ ;Sg]              

;DefJo c;/x¿ .  

oL sf/0fx¿af6 ;+:yfdf kg{ ;Sg] hf]lvd tyf ljQLo pknlAw k|flKtsf nflu
         

;+:yfaf6 cfjZos ;Defljt hf]lvdsf] Joj:yf ug'{sf ;fy} ;'/lIft nufgLsf

             

ljleGg cj;/x¿sf] klxrfg ug{ / ;Defljt xfgL gf]S;fgL tyf hf]lvd Go"g ug{              

k|:tfljt jflif{s ah]6 tof/ ubf{ kof{Kt Wofg lbOPsf] s'/f cjut u/fpg rfxG5' .
                 

cfb/0fLo ;]o/ ;b:oHo"x¿, oxfFx¿n] k|bfg ug'{ePsf] cd"No ljZjf;sf ;fy

               

jt{dfg ;~rfns ;ldltnufot dnfO{ k|bfg ug'{ePsf] lhDd]jf/L cfkm\gf] Ifdtf,

               

;Lk, ;do / cg'ejsf] cfwf/df /xL ;du| sfdx¿ o; cjlwdf ;Dkfbg ug]{
             

k|of; u/]sf] 5' . k|:t't ul/Psf] ljQLo ljj/0fnfO{ ;f/e"t ¿kdf oyfy{sf] glhs                      

Nofpgsf] nflu tkfO{+ ;Dk"0f{ ;]o/ ;b:oHo"x¿sf] ct'ngLo of]ubfg /xg] s'/f                      

cg'/f]w ug{ rfxG5' . tkfO{+x¿sf] w]/}eGbf w]/} o; ;+:yf;Fu cy{k"0f{ ljQLo ;xofqf
                           

ePdf dfq oL cfFs8fx¿sf] pknlAw xfdL;fd' cfpg] s'/fdf b'O{dt gx'g ;S5,          

t;y{ k|:t't ul/Psf] ljQLo ljj/0f / d]/f] ck]Iff eg]sf] tkfO{+ ;a}sf] ;+:yfdf
                               

cy{k"0f{ ;xeflutf xf] eGg] dnfO{ nfu]sf] 5 .

             

wGojfb 1fkg ;DaGwdf

ut cfly{s jif{el/ g} ;+:yf;Fu ;Da4 /xL sf/f]af/ ug'{x'g] ;Da4 ;a}k|lt xflb{s                          

cfef/ JoQm ub}{ o; ;+:yfsf] ut cfly{s jif{ @)&*÷&( sf] cfly{s ljj/0f
                   

tyf rfn' cf=j= @)&(÷*) sf] k|:tfljt jflif{s ah]6 >j0f ul/lbg' ePsf]df            

xflb{s wGojfb lbFb} o; ljifd kl/l:yltdf uLtdf h:t} u/L ;fwf/0f ;efdf ef}lts
                 

lx;fan] ;fd"lxs ¿kdf pkl:ylt x'g] cj:yf g/x]sf]n] ljleGg dfWodaf6 ;'emfj                

tyf ;Nnfxsf] ;]o/ ;b:oHo"x¿af6 cfzf /fVb} cfkm\gf] :jf:Yosf] Vofn /fVg                      

cg'/f]w ub}{ of] k|:t'ltaf6 labf rfxG5' .

           

gd:sf/ ÛÛ wGojfb ÛÛÛ    

ho ljs" ÛÛ ho ;xsf/L ÛÛÛ  

xfd|f] nIo  

v'Pjd\;L 71
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg    
;a}sf] klxnf] /f]hfO
         

n]vf ;'kl/j]If0f ;ldlt

     

cfly{s jif{ @)&*÷&( sf] jflif{s        

k|ltj]bg  

sdn ;'j]bL  

;+of]hs  

cfhsf] o; ul/dfdo ## cf}+ jflif{s ;fwf/0f ;efsf cWoIf dxf]bo, k|d'v

             

cltlyHo", ljlzi6 cltlyHo", cltlyHo"x¿, pkl:yt cfb/0fLo ;]o/ ;b:oHo"x¿,                  

jt{dfg ;~rfns ;ldlt, ;]jf s]Gb| Joj:yfkg ;ldlt, cGo pk–;ldltsf

           

kbflwsf/LHo"x¿, sfo{sf/L k|d'vHo" Pj+ sd{rf/L ;fyLx¿, n]vf ;'kl/j]If0f                    

;ldltsf ;xsdL{ ldqx¿ Pj+ kqsf/ tyf z'elrGts dxfg'efjx¿, ;Dk"0f{df        

xflb{s clejfbg .  

k[i7e"ld M  

:yfgLo:t/df 5l/P/ /x]sf] ;fgf];fgf] k'FhLnfO{ artsf] dfWodaf6 PsLs[t u/L

                           

To;}sf] kl/rfngaf6 ;+:yfdf ;+nUg ;b:ox¿sf] cfly{s tyf ;fdflhs:t/ dfly

                 

psf:b} cfTdlge{/ agfpg] clek|fon] ljqmd ;+jt\ @)$* ;fn efb| % ut] o;
             

;+:yfsf] :yfkgf u/L sfo{ z'ef/De ul/Psf] xf] .

                 

‘art g} ljsf;sf] aLp xf]’ eGg] ;f]rfOsf ;fy ;+:yfsf] ;'?cftb]lv g} art
                 

;ª\sng tyf C0f kl/rfng sfo{qmdsf] lg/Gt/tfsf] kmn:j¿k ;xsf/L P]g @)$*                  

cGtu{t @)%) ;fn h]7 % ut] tTsfnLg lhNnf ;xsf/L sfof{no gjnk/f;Ldf
           

;j{{k|yd ;+:yf btf{ ul/Psf] lyof] . u|fdL0f ;d'bfodf ;'?cft ul/Psf] of] ;+:yf
                     

clxn] g]kfnsf ;xsf/L ;+:yfx¿sf] dfemdf Ps cu|0fL Pj+ ;jn ;+:yfsf] ¿kdf
             

cfˆgf] 5lj sfod ug'{sf ;fy} cGt/f{li6«o:t/df ;d]t ljz]if klxrfg agfpg ;kmn
                 

ePsf] 5 . o; ;+:yfnfO{ jt{dfg cj:yf;Dd NofO{ k'¥ofpgdf k|j{4s ;+:yf ljho
               

ljsf; ;|f]t s]Gb|sf] cu|0fL Pj+ cxd\ e"ldsf /x]sf] s'/f ;a}df ;j{ljlbt} 5 .                    

xfd|f] nIo  

72 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO          

jflif{s k|ltj]bg    

lhDd]jf/L tyf pQ/bfloTj      

ut cfly{s jif{df ;+:yfn] k|fKt u/]sf pknlAwsf] ;dLIff ug]{, kl/j]z ljZn]if0f                          

ug]{, cfufdL cfly{s jif{sf nflu k|:t't ePsf] gLlt tyf sfo{qmddfly 5nkmn
               

tyf /fo ;'emfj lbg] / ;+:yf tyf ;~rfnsnfO{ cfufdL sfo{ ;~rfngsf nflu
           

lbzflgb]{z ug]{ lbg cfh xf] . To;}n] cfhsf] lbgn] ;+:yfut ljsf;df ljz]if                      

dxŒj /fVb5 . ;+:yfsf] lgoldt k|lqmofcGtu{t ;lrjHo"sf] k|ult k|ltj]bg,              

sf]iffWoIfHo"sf] cfly{s k|ltj]bgdfly 5nkmn tyf uxg ljZn]if0f u/L ;~rfns

           

;ldltnfO{ k|fKt x'g] cy{k"0f{{ ;'emfjn] lgs} g} dxŒj /fVb5 .                  

o; ;ldltnfO{ k|fKt lhDd]jf/L / If]qflwsf/leq /x]/ xfdLn] ;do–;dodf ljQLo                    

clen]v k/LIf0f ug]{, ;ldltn] tof/ u/L ;fwf/0f ;efaf6 cg'df]bg ePsf
                   

;+:yf ;~rfng ;DaGwL gLlt, lgod Pj+ sfo{ljlw, ;~rfns ;ldltsf] lg0f{o,
             

lgofdgsf/L lgsfoaf6 hf/L kl/kq, lgb]{lzsf tyf lgb]{zgsf] sfof{Gjog kIfsf]                      

af/]df cWoog ug]{, ;+:yfsf] k'FhL tyf bfloTj ;DklQ tyf hfoh]yf, gfkmf gf]S;fg
                   

tyf gub k|jfxsf] cWoog ug]{ ;+:yfåf/f ljleGg If]qdf ul/Psf C0f nufgL /                

c;'nL cj:yfsf] cWoog ug]{, ;]jf s]Gb|x¿sf] :ynut cWoog cjnf]sg ug]{,                          

;+:yfsf] leqL tyf aflx/L k|efjsf] ljZn]if0f ug]{ h:tf clt ;/f]sf/sf If]qsf]
                         

lgoldt tyf cfjlws r/0fdf ;'kl/j]If0f ;DkGg u/]sf 5f}F .            

kl/j]z tyf ;do ;Gbe{      

ljZjJofkL dxfdf/Lsf] ¿kdf km}lnPsf] sf]/f]gf efO/; (COVID-19) ;ª\qmd0fsf]                  

klxnf] / bf];|f] nx/sf] ljifd kl/l:yltn] ;+;f/el/ k|lts"n k|efj kf/]sf] cj:yfdf
                             

g]kfnsf] ;du| ljQLo tyf ;xsf/L If]qdf o;sf] k|efj o; cf=j=df klg /Xof] .
             

;+:yfn] o; k|efj;Fu h'Wg ljleGg /0fgLlts sfo{of]hgfx¿ dfkm{t sfo{ ;Dkfbg

             

u/L ;b:ox¿nfO{ ljQLo tyf u}/ljQLo ;]jfx¿ k|bfg ul//x]sf] 5 . ljz]if u/L
                       

;+:yfaf6 C0f lnO{ Jofkf/ Jofj;fo, s[lif tyf n3'pBd ug]{ ;b:ox¿nfO{
                 

;xhLs/0f ug{, ;b:ox¿s} k/fdz{df C0f e'QmfgLsf] ;dofjlw lgwf{/0f ug]{ /                          

5'6 ;'ljwf tyf k'gn{ufgLsf] sfo{ljlw lgdf{0f u/L sfof{Gjog u/]sf] b]lvG5 . ut                    

cfly{s jif{ b]zsf] cy{tGq ;'vdo /xg ;s]g . a}ª\s tyf ljQLo If]qdf t/ntfsf]
                     

r/d ;ª\\s6 b]lvof] . nufgL of]Uo /sdsf] cefj x'g k'Uof] . ljb]zL d'b|fsf] ;l~rtL
                 

xfd|f] nIo  

v'Pjd\;L 73
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO          

sd x'Fb} uof] . cfofttdf j[l4 / lgof{t k|fo 7Kk h:t} x'gfn] cy{tGq ;ª\s'rg x'g
                 

k'Uof] . olt x'Fbf x'Fb} klg ;+:yfsf] ;jn ljQLo ;+/rgf / Joj:yfkgsf] k|efjsf/L
                 

sfo{s'zntf / C0f nufgL tyf c;'nLsf nflu ckgfOPsf] gLltut Joj:yfsf]

         

kl/0ffd:j¿k cfly{s jif{ @)&*÷&( sf] ljQLo nIo pknlAwd"ns g} /x]sf]

                 

b]lvG5 . ;fy} ;xsf/L P]g @)&$ sf] kl/R5]b ^ sf] bkmf $( ;Fu ;DalGwt /x]/
                     

o; ul/dfdo ;fwf/0f ;efdf jflif{s k|ltj]bg k|:t't u/]sf 5f}+ .

               

;+:yfsf ;jn kIfx¿  

!= ;+:yf bz{g, d"No, dfGotf, l;4fGt / ljrf/af6 ;~rflnt 5 .

             

@= ;fwf/0f ;ef, ;b:o k|bfg / ;dod} ;DkGg eO/x]sf] 5 .                

#= ;+:yfsf ljlgod tyf gLltx¿ ;do;fk]If kl/dfh{g / ;'wf/ ub}{ nluPsf]

                 

5 .
$= cfjlws of]hgf / ;dLIffnfO{ ;'wf/ ub}{ ;+:yfut k|0ffnLsf] :yfkgf                  

%= ;+:yfsf] ljQLo ;fvnfO{ pRr k|fyldstfdf /flvPsf] 5 .

         

^= ;+:yfut k'FhL lg/Gt/ j[l4 ePsfn] ;+:yf pTs[i6 /x]sf] 5 .

                   

&= hf]lvd Joxf]g]{ sf]if kN;{sf] P1, P2 cg';f/ Joj:yf ePsf] 5 .
                     

*= ;+:yfnfO{ ;jn Pj+ Jojl:yt lx;fan] cufl8 a9fpgsf nflu 3P

       

(Pearls, Policy and Planning) nfO{ d"ndGq dflgPsf] 5 .      

(= ;+:yfn] :yfgLo, /fli6«o / cGt/f{li6«o If]qdf kfPsf] dfof, k|z+;f, k'/:sf/

                             

/ ;Ddfgn] ;+:yfsf] 5lj pRr agfPsf] 5 .

         

cl3Nnf] ;fwf/0f ;efsf lg0f{ox¿sf] sfof{Gjog ;DaGwdf          

!= cfly{s jif{sf] ;'?cft >fj0f dlxgfb]lv ;fwf/0f ;ef;Ddsf] vr{ k'/s

               

ah]6dfkm{t ;~rfng u/L ;fwf/0f ;efaf6 :jLs[t ug]{ k|lqmofnfO{ lg/Gt/tf

                     

lbOPsf] .  

@= cl3Nnf] ;fwf/0f ;efn] ;+:yfsf] sfo{If]q lj:tf/ tyf ljifout cGo                  

;xsf/L ;+:yfx¿ PsLs/0f ug]{ gLltcGtu{t lrtjg lhNnfdf /x]sf                

# j6f ;xsf/L ;+:yfx¿ >L :jfut art tyf C0f ;xsf/L ;+:yf ln=          

hodËnf, >L k"hf art tyf C0f ;xsf/L ;+:yf ln= /Tggu/–6fF8L /            

xfd|f] nIo  

74 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

>L z/buf}/L art tyf C0f ;xsf/L ;+:yf ln= z/bk'/;Fu PsLs/0f                

;Demf}tf ;DkGg tyf ;xsf/L ljefuaf6 :jLs[lt k|fKt u/L PsLs[t ;]jf              

;~rfngdf NofOPsf] 5 ;fy} dWoljGb' gu/kflnsfdf sf]Nx'jf ;]jf s]Gb|  

;~rfngdf cfPsf] 5 .
#= ut ;fwf/0f ;efn] lbPsf] clwsf/ k|of]u u/L ;+:yfnfO{ cfjZos kg]{ gLlt                    

lgdf{0f u/]sf] tyf df}h'bf gLlt, lgod Pj+ sfo{ljlwx¿nfO{ ;dofg's"n                

kl/dfh{g ub}{ nu]sf] .            

$= ;+:yfn] cfufdL $ jif]{ Jofj;flos of]hgf lgdf{0f u/L :ki6 nIo lgwf{/0f
                   

u/]sf] .      

%= gjnk'/sf] dWoljGb' gu/kflnsfsf] sf]Nx'jfdf yk ;]jf s]Gb| :yfkgf u/L                  

;~rfngdf NofOPsf] .  

a}7s ;ª\Vof tyf lg0f{o sfof{Gjog ;DaGwdf M

     

!= o; cfly{s jif{ @)&*÷&( df a;]sf] a}7s ;ª\Vof o; k|sf/ /x]sf] 5 .                  

;~rfns ;ldlt – !# k6s

n]vf ;'kl/j]If0f ;ldlt – $ k6s
     

C0f pk–;ldlt – @( k6s

vl/b pk–;ldlt – * k6s  

lzIff pk–;ldlt – # k6s

o; cfly{s jif{df ;~rfns ;ldltsf] a}7s !# k6s n]vf ;'kl/j]If0f              

;ldltsf] a}7s $ k6s a;]sf] / ;~rfns ;ldltsf] a}7s ;~rfng              

sfo{ljlwcg';f/ a}7s a;L ;+:yfdf /x]sf df}h'bf gLlt, lgod, sfo{ljlw                    

tyf sfo{of]hgfcg';f/ lg0f{o Pj+ sfof{Gjog ug]{ u/]sf] b]lvG5 . ;fy} cGo                        

ljleGg ljifout pk–;ldlt Pj+ ;]jf s]Gb|:t/df klg a}7s sfo{ljlwcg';f/              

a:g] u/]sf] b]lvG5 .            

@= ljs" art tyf C0f ;xsf/L ;+:yf ln=sf] ldlt @)&* dª\l;/ @% df        

;DkGg #@ cf}F jflif{s ;fwf/0f ;ef lgodk"j{s ;DkGg ePsf] / pQm ;fwf/0f              

;efaf6 kfl/t ePsf sfo{qmdx¿ @)&( c;f/ d;fGt;Dd cfOk'Ubf      

ljQLotkm{ sl/a ** k|ltzt / u}/ljQLotkm{ sl/a &) k|ltzt sfo{ ;DkGg                

xfd|f] nIo  

v'Pjd\;L 75
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO          

ePsf 5g\ . o;/L x]bf{ ljQLo sfo{qmdtkm{ ;Gtf]ifhgs pknlAw b]lvG5 eg]                

u}/ljQLo sfo{qmdtkm{ nIocg';f/ sd pknlAw xfl;n ePsf] b]lvG5 .

             

art tyf C0f kl/rfng Pj+ lwtf] ;'/If0f ;DaGwdf M      

!= ;+:yfsf] lj:tf/ x'Fb} uPsf] If]q / ul/g] C0f nufgLnfO{ yk ;'/lIft Pj+
                       

k|efjsf/L agfpg df}h'bf C0f gLltnfO{ ;+zf]wg ul/Psf] 5 . o; If]q;Fu              

;DalGwt sd{rf/LnfO{ cfjZos tflnd tyf cled'vLs/0f ul/Psf] 5 .            

@= ;+:yfn] ¿= !) nfv eGbf dflysf] C0f nufgL ubf{ afXo k/fdz{bftf

           

OlGhlgo/af6 3/hUufsf] cflwsfl/s d"Nofª\sg u/fO{ ;f]xL d"Nofª\sgsf]                

cfwf/df C0f nufgL ug{] ;'/lIft pkfonfO{ lg/Gt/ cjnDag u/]sf]                    

b]lvG5 .
 

#= ;+:yfsf] C0f gLltcg';f/ lagf lwtf] ;b:o hdflgdf ¿= b'O{ nfv / n3'
             

Joj;fo ug{ Joj;fo k|df0fkq lwtf]df ¿= kfFr nfv;Dd C0f k|bfg ug]{        

ul/Psf] x'Fbf ;b:ox¿sf] kx'Fr j[l4 ePsf] tyf n3' Joj;fo k|j4{gdf
             

;xof]u k'u]sf] b]lvG5 .        

$= lagf lwtf] nufgL ul/Psf] C0fdf ;+:yfsf] C0f ;'/If0f tyf ;b:o ;+/If0fsf]                  

nflu C0f /sd a/fa/sf] C0fL ladf sfo{qmdnfO{ cufl8 a9fOPsf] 5 .              

%= ¿=!) nfv;Ddsf] C0f ;'/If0f lwtf]nfO{ 7f8f] /f]Ssf / ;f]eGbf dflysf]                    

lwtf] ;'/If0f C0fdf ;a} lwtf]nfO{ b[li6aGws /f]Ssf ug]{ u/]sf] kfOof] .
                           

^= C0f nufgLsf gd'gf kmfOnx¿ cWoog ubf{ C0f nufgL k|lqmof, cfjZos    

sfuhft, C0f ;'/If0f, lwtf]sf] cj:yf, cfDbfgLsf k|f/lDes tyf lbuf]                  

;|f]tx¿ / ahf/ d"Nofª\sg cflbsf] cfwf/df C0f :jLs[t u/L nufgL ug]{
                   

u/]sf] ;fy} cfGtl/s C0f;Fu ;DalGwt ;ˆ6j]o/dfkm{t yk Jojl:yt u/]sf]

                       

kfOof] .  

&= C0f nufgL k|lqmofnfO{ ;+:yfsf] Joj:yfkg / ;ldltsf] tkm{af6 l56f]                

5l/tf] / ;j{;'ne tl/sfn] lg0f{o ug]{ u/]sf] kfOof] . C0f nufgLnfO{ yk

                           

;/n, ;xh / ;'/lIft agfpgsf] nflu C0f Joj:yfkg gLltdf o; jif{ klg
             

;+;f]wg ul/Psf] b]lvG5 .        

*= C0f c;'nLsf] cj:yf cToGt /fd|f] 5 c;n C0f (^=*$ k|ltzt 5,          

xfd|f] nIo  

76 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

sd;n C0f @=(& k|ltzt 5 eg] v/fa C0f dfq )=!( k|ltzt 5 .    

dfkgsf] lx;fan] cfly{s jif{sf] cGTodf b]lvPsf] c;'nLsf] cj:yfcg';f/                    

C0fdf s'g} klg hf]lvd b]lvb}g . t/ c;'nL k|lqmofnfO{ q}dfl;s ¿kdf yk              

lgoldt ug'{kg]{ b]lvG5 .        

u}/ljQLo tyf ;'/If0f sfo{qmd ;DaGwdf M

       

!= ;+:yfn] ;~rfng u/]sf] :jf:Yo ladf sfo{qmd, ;'Ts]/L ;xof]u, kl/jf/

                             

lgof]hg k|f]T;fxg, ;b:o /fxt, cfGtl/s cWoog cjnf]sg, ljs"sf] 6]Sg]                        

n¶L, dfl;s pTs[i6 ;b:onfO{ k'/:s[t, ;b:o cled'vLs/0f, kf]l;nf]                          

cfxf/, ;b:osf] s/]zfaf/L xl/of] t/sf/L, :s'n:s'ndf ljs", bL3{sfnLg                                

5fqj[lQ sfo{qmdnufot ue{b]lv :ju{;Ddsf sfo{qmdx¿sf] k|efjsf/L                  

¿kdf lg/Gt/tfn] ;+:yfsf] ;fdflhs ;'/Iff tyf pQ/bfloTj jxg tyf              

;b:ox¿;Fusf] efjgfTds ;DaGw ljsf; / lj:tf/ x'g'sf ;fy} ;+:yfsf]                

VoftLdf ;d]t j[l4 ePsf] b]lvG5 .        

;"rgf, k|ljlw / ;'/Iff ;DaGwdf M      

!= hf]lvd Go"gLs/0fsf] ;Gbe{df g]kfndf g} ;xsf/L If]qdf klxnf] k6s ljkb

                 

Joj:yfkg u[xsf] lgdf{0f ul/Psf] 5 .            

@= ljs"df INFINITY gfds ;km\6j]o/ k|of]u ul/Psf] 5 / x/]s jif{ o;nfO{                    

cBfjlws ul/Psf] 5 . CORE BANKING SYSTEM sf] nflu e/kbf]{ /              

cfjZostfcg';f/sf] ljQLo ljj/0fx¿ k|bfg ug]{ ;km\6j]o/ /x]sf]] 5 .                      

:jrflnt ¿kdf Snfp8 ;e{/df 8f6f Aofsck x'g] u/]sf] 5 . g]6js{
                 

;'/Iffsf nflu kmfo/j]n k|0ffnL 5 . lgoldt ¿kdf sd{rf/Lx¿nfO{

           

OPERATIONAL ID k|bfg ul/Psf] 5 eg] kfj/ Aoscksf] nflu o'=lk=P;=          

/ h]g]/]6/sf] Joj:yf ul/Psf] 5 .

                   

#= ;"rgf k|ljlw ljefu u7g u/L ;"rgf, ;~rf/, k|ljlw / k|ljlwsf] ;'/Iffsf              

sfo{x¿ o;} ljefu dfkm{t PsLs[t ¿kdf cufl8 a9fOPsf] 5 .          

$= ;+:yfn] ;xsf/Lsf] If]qd} klxnf] k6s ;~rfngdf NofPsf] P=l6=Pd= ;]jf

                 

qmlds ¿kdf lj:tf/ ub}{ nluPsf] 5 . of] ;]jf ;'/lIft Pj+ k|efjsf/L                  

xfd|f] nIo  

v'Pjd\;L 77
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO          

b]lvG5 . P=l6=Pd= ;]jf ;'/Iffsf nflu cfjZos kg]{ ;a} dfkb08 k"/f
             

u/]sf] b]lvG5 . o; jif{ of] ;]jfsf] yk lj:tf/ ul/Psf] 5 .

                       

%= ;+:yfsf] s]Gb|Lo sfof{no tyf ;a} ;]jf s]Gb|df cfjZos dfqfdf ;'/Iff
               

uf8{ tyf l;=l;= Sofd]/fåf/f lgu/fgLsf] Joj:yf ul/Psf] 5 .

                 

^= ;+:yfsf dxŒjk"0f{ sfuhftx¿, dfOGo'6 lg0f{o, C0f td;'snufot ljQLo

         

ljj/0fx¿sf] On]S6«f]lgs skL ;'/lIft /flvPsf] 5 . ;fy} ;b:o tyf                  

;+:yfsf clen]vx¿nfO{ ljB'tLo k|ljlw dfkm{t Joj:yfkg ul/Psf] 5 .

             

&= ;+:yfn] ;~rfng u/]sf] df]afOn a}+lsª PK;nfO{ ;do;fk]If :t/f]Gglt

                       

ul/Psf sf/0f yk ;/n, ;xh tyf ;'/lIft /x]sf] b]lvG5 .

                 

*= ;+:yfut hfgsf/L tyf sfo{qmdx¿nfO{ ;fdflhs ;~hfn, j]j;fO6,

             

km];a's, o'6\o"j tyf df]afOn Pk;\dfkm{t\ hfgsf/L u/fOg] u/]sf] 5 .

                   

(= P=l6=Pd= ;]jf tyf df]afOn a}+lsª PK; / P;=Pd=P;= k|of]ustf{sf]              

;b:osf] ;ª\Vof j[l4 eO{ k|ljlwo'Qm ;]jfdf ;b:osf] ;xh kx'Fr k'u]sf]
                 

b]lvG5 .
 

Joj:yfkg tyf k|zf;g ;DaGwdf M  

!= dfgjLo ;|f]t Joj:yfkg gLltnfO{ k"0f{¿kdf k|of]udf NofOPsf] 5 .            

@= jflif{s ¿kdf sd{rf/Lx¿sf] sfo{;Dkfbgsf] d"Nofª\sg tyf k'/:s[t ug{]                     

kl/kf6LnfO{ lgoldt ul/Psf] 5 .        

#= ;+:yfsf] gLltcg';f/ g} sd{rf/Lsf] egf{ k|lqmof kf/bzL{ Pj+ k|lt:kwL{ ¿kdf

                       

ug]{ ul/Psf] 5 / ;+:yfn] sfo{qmdsf] k|s[lt Pj+ sfo{ lj:tf/sf] cfwf/df

                             

o; jif{ sd{rf/Lx¿ yk u/]sf] b]lvG5 .              

$= sd{rf/L lgo'lQm ubf{ dfgjLo ;|f]t Joj:yfkg gLltdf pNn]v ePcg';f/

             

s/f/ / :yfoLsf] Joj:yf ckgfpg] ul/Psf] 5 .

                 

%= ;b:onfO{ v';L / :j:Yo agfpg] nIo k"/f ug{ ;+:yfn] cfkm\gf ;b:ox¿nfO{
                       

;j{;'ne ljQLo ;]jf k|bfg ug]{ u/]sf], ;]o/ ;b:ox¿nfO{ k|lt:kwL{ ¿kdf
                           

nfef+z ljt/0f ul//x]sf] / Best and Bigest, We Never Say No tyf              

M2 (Member and Mobile First) sf] pRr cjwf/0ff lnPsf] x'Fbf o;n]        

klg ;+:yfsf] VoftL emg\ a9fpFb} nlu/x]sf] 5 .            

xfd|f] nIo  

78 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

^= ;+:yf PsLs/0fkZrft\ a9\b} uPsf] If]q lj:tf/ / ;b:o j[l4 ;+:yfsf] nflu                       

;jn kIf ePsf] 5 eg] o;n] ahf/ lj:tf/ ;Fu;Fu} ;d'bfodf ljZjf;sf]                

:t/ ;d]t a9fPsf] 5 .        

&= Joj:yfkgnfO{ dgf]j}1flgs tl/sfn] pTk|]l/t ug{ sd{rf/Lx¿nfO{ k"0f{                          

kfl/>lds k|bfg, af]g;, :jf:Yo ladf tyf ;fd"lxs b'3{6gf ladf cflbsf]                

;'ljwf k|bfg u/]sf] b]lvG5 .        

ljQLo pknlAw ljj/0ftkm{    

s'n ;b:o ;ª\Vof !))!&! hgf  

s'n C0fL ;ª\Vof !!&^% hgf

;+:yfsf] art ;ª\sng
  ¿= ^,(*,&!,#*,%^%.–
         

nufgLdf /lx/x]sf] C0f ¿= &,!@,^!,)!,^^!.–        

s'n ;]o/ k'FhL   ¿= (),(#,!^,#)).–        

hu]8f sf]if tyf cGo sf]ifx¿ ¿= &),^#,#$,)*^.–

           

s'n k'FhL ¿= *,^$,&),#^,^!@.–        

y art ;ª\sng / C0f nufgLsf] cg'kft sl/a !)@ k|ltzt /x]sf] 5 .            

y s'n art ;ª\sngdf ;]o/ k'FhLsf] cg'kft !#=)! k|ltzt /x]sf] 5 .            

y s'n C0f nufgLdf ;]o/ k'FhLsf] cg'kft sl/a !@=*% k|ltzt /x]sf] 5 .              

y s'n ;DklQ / hu]8f sf]if tyf cGo sf]ifsf] cg'kft *=)* /x]sf] 5 .                

y k|:tfljt cfDbfgLsf] cfwf/df jf:tljs cfDbfgLdf sl/a (% k|ltzt          

pknlAw 5 . eg] k|:tfljt vr{sf] cfwf/df jf:tljs vr{ sl/a                

ztk|ltzt /x]sf] 5 .      

y ;+:yfdf t/ntf kof{Kttf cf}ift @# k|ltzt /x]sf] b]lvG5 .                

y art / C0fsf] cGt/ Aofhb/ $=*( k|ltzt /x]sf] b]lvG5, h'g lgodfg';f/                    

/x]sf] 5 .      

y ;+:yfn] ;DklQ z'4Ls/0f lgb]{lzsfnfO{ sfof{Gjogdf NofPsf] 5 eg]                  

;DalGwt lgsfodf ;DklQ z'4Ls/0f;DaGwL k|ltj]bg lgoldt k7fpg]      

u/]sf] 5 .      

y ;xsf/L ljefuaf6 ;do–;dodf hf/L ul/Psf lgb{]zg tyf dfkb08cg';f/            

xfd|f] nIo  

v'Pjd\;L 79
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO          

;+:yfn] cfkm\gf ultljlwx¿ ;~rfng u/]sf] b]lvG5 .

           

y o; cfly{s jif{df e'Qmfg ug'{kg]{ s/ lgodfg';f/ km5\of}{6 ul/Psf] 5 . o;                      

jif{ ;+:yfn] & s/f]8 (% nfv $@ xhf/ & ;o # ¿k}ofF /fh:jdf of]ubfg
                   

k'¥ofPsf] 5 .  

y ;+:yfsf] ljsf;df / ;b:ox¿sf] pGgltsf] lgldQ nugzLn o; ;+:yfsf

             

;~rfns ;ldlt, / n]vf tyf ;'kl/j]If0f ;ldlt ;b:onfO{ vfhf tyf              

oftfoft vr{afkt ¿=!,%)), cGo pk;ldltsf ;b:ox¿nfO{ ¿=!,)))            

/ ;]jf s]Gb| Joj:yfkg pk;ldlt / cGo pk;ldltsf ;b:ox¿nfO{{

               

¿=%)) k|lt a}7s vr{ pknAw u/fOPsf] 5 . o;afx]s cGo s'g} tna            

eQf tyf ;'ljwf lnPsf] b]lvb}g .      

ljljw M
!= ;+:yfut ;'zf;g k"0f{¿kdf kfngf ePsf] b]lvG5 .
       

@= ;xsf/L ljefusf] ;ˆ6j]o/ sf]kf]ld;df sl/a (# xhf/ ;]o/ ;b:osf]                        

ljj/0f cWofjlws ul/Psf] 5 .      

#= sfof{nodf ;b:o ;]jfcGtu{t Ho]i7 ;b:o, ckfË, dlxnf / czQm

                 

;]o/ ;b:ox¿nfO{ k|fyldstf lbPsf] b]lvG5 . ;fy} sfof{nosf] ;+/rgf

                   

;f]xLcg';f/ tof/ ub}{ nluPsf] 5 .

           

$= sfof{nosf l:y/ ;DklQ h:t} eN6, ;jf/L ;fwg, P=l6=Pd= nufot ;Dk"0f{
                 

ef}lts ;DklQsf] ladf u/L k"0f{ ;'/Iff ;fjwfgL ckgfOPsf] 5 .

           

%= ;+:yfsf ;a} sfof{nodf ;'emfj k'l:tsf /fvL ;b:ox¿sf] ;'emfj tyf

             

u'gf;f]nfO{ t'?Gt Joj:yfkg ug]{ ul/Psf] 5 .              

^= ;+:yfsf ;a} sfof{nodf ;jf/L tyf sd{rf/L nua's v8f u/L lgoldt
             

cWofjlws ul/Psf] 5 .    

&= ;+:yfdf ;"rgf clwsf/L / sfof{Gjog clwsf/L 5'§f 5'§} JolQm tf]sL
             

kf/bzL{ Joj:yfkg ul/Psf] 5 .

         

xfd|f] nIo  

80 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

ut jif{ o; ;ldltn] lbPsf ;sf/fTds ;'emfjsf] sfof{Gjog cj:yf M

           

!= hu]8fsf]ifdf cfwfl/t ;+:yf lgdf{0fsf] k|lqmofdf /x]sf] x'Fbf ;+:yfut k'FhL                   

j[l4 ug{ gofF ;|f]tx¿sf] klxrfg ug'{kg]{ egL cf}FNofOPsf]df hu]8fsf]ifdf

                     

cfwfl/t ;+:yf agfpg] of]hgfcg';f/ gLlt tyf sfo{qmd lgdf{0f u/L tbg'¿k                

qmlds ¿kdf k|lqmof cufl8 a9fPsf] b]lvG5 .    

@= ;+:yfn] PsLs[t ljQLo ;fIf/tf, k|ljlw ;fIf/tf tyf tflndnfO{ yk              

k|efjsf/L agfpFb} n}hfg' kg]{ cfjZostf b]lvG5 egL cf}FNofOPsf]df                

;+:yfn] gLltut ¿kdf g} Joj:yf u/L cgnfOg tyf ckmnfOg k|ljlw          

;fIf/tf ;~rfng ul//x]sf] / ljQLo ;fIf/tfnfO{ :s'n–:s'ndf ljs" /                      

;b:osf] s/]zfaf/L xl/of] t/sf/L sfo{qmd;Fu cGtlg{lxt u/fO{ ;~rfng                          

u/]sf] kfOPsf] 5 .        

#= ;+:yfsf] df}h'bf ljQLo ;+/rgfnfO{ yk ;an / ;Ifd agfpg ljQLo            

;"rsx¿nfO{ ;dfg'kflts ¿kdf j[l4 ub}{ n}hfg'kg]{ egL cf}FNofOPsf]df                  

;+:yfsf df}h'bf ljQLo ;"rsx¿ ;Gt'lnt /x]sf] b]lvG5 .            

$= ;+:yfaf6 ul/g] C0f nufgLnfO{ yk If]qdf lj:tf/ tyf s'n ;b:o                

;ª\Vofsf] t'ngfdf hDdf C0fL ;b:o ;ª\Vof j[l4 ug{ ;fgf Joj;fo, s[lif            

Joj;fo n3'pBd, :j/f]huf/ / demf}nf Joj;fodf nufgL j[l4nfO{ pRr                  

k|fyldstfdf /fVg'kg]{ b]lvG5 egL cf}FNofOPsf]df C0f gLltdf ;+zf]wg              

u/L ;fgf Joj;fo, s[lif / :j/f]huf/ ;[hgf ug]{ If]qdf C0f lj:tf/ u/]sf]
                                 

b]lvG5 .  

%= :yfgLo lgsfox¿sf sfo{qmdx¿df /0fgLlts ;fem]bf/Lsf] cjwf/0fnfO{

               

k|fyldstf lbg'kg]{ egL cf}FNofOPsf]df jflif{s gLlt tyf sfo{qmdsf]              

sfo{of]hgf :ki6 lhDd]jf/L tf]sL s]xL :yfgLo lgsfox¿;Fu sfo{ k|lqmof                  

cufl8 a9fOPsf] b]lvG5 .    

^= n]vf ;'kl/j]If0f ;ldltsf] lgb]{zg / n]vfk/LIf0f l;4fGtsf] cfwf/df

                     

tof/ ul/Psf] cfGtl/s n]vfk/LIf0f k|ltj]bgsf] cWoog / ljZn]if0fn]                      

;+:yfsf] cfGtl/s lgoGq0f k|0ffnLnfO{ yk ;'b[9 / dha't agfpFb} nu]sf]

                 

5 . o; cf=j= df klg lg/Gt/tf lbg'kg]{ egL cf}FNofOPsf]df cfGtl/s              

n]vfk/LIfssf] ¿kdf rf6{8{ PsfpG6]G6 lgo'Qm u/L cfjlws ¿kdf lgoldt

             

xfd|f] nIo  

v'Pjd\;L 81
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO          

cfGtl/s n]vfk/LIf0f ug]{ ul/Psf] / ;f] bf}/fgdf b]lvPsf ;'wf/ ug'{kg]{

                               

ljifonfO{ tTsfn ;'wf/ tyf sfof{Gjog ug]{ u/]sf] kfOPsf] 5 .                  

&= u}/ljQLo ;]jfx¿ h:t} kf]lifnf] cfxf/, ;'Ts]/L ;xof]u, 5fqj[lQ sfo{qmd,
                               

;Lkd"ns tflnd, ljs" 6]Sg] n7\7L ljt/0f, :jf:Yo ladf sfo{qmd, d[ts                    

;b:o /fxt sf]if ljt/0f, :s'n–:s'ndf ljs"h:tf u}/ljQLo ;]jfx¿n]

                       

ljs"sf ;b:ox¿nfO{ cfly{s ;Da4{gdf k|ToIf k|efj kl//x]sf] / ;b:osf]                      

cfsif{0f al9/x]sf] kl/k|]Iodf k|ljlwsf] k|of]u u/L ;b:onfO{ PsLs[t lzIff

                       

sfo{qmdx¿df ;lqmotfk"j{s ug'{kg]{ egL cf}FNofOPsf]df ;+:yfn] ;~rfng

                 

ug]{ ;b:o cled'vLs/0f tyf PsLs[t ;fIf/tf sfo{qmddf pNn]lvt

               

sfo{qmdx¿sf] af/]df hfgsf/L u/fpg] u/]sf] b]lvG5 .

                     

*= ;+:yfsf] ljleGg e"ldsfdf ;+nUg hgzlQmnfO{ Ifdtf ljsf;sf nflu

     

tflnd, cWoog tyf cjnf]sg sfo{qmdsf] gLltut Joj:yf u/L ;+nUg            

u/fpg'kg]{ egL cf}FNofOPsf]df ;ldlt, pk;ldlt tyf Joj:yfkgnfO{ tflnd,

                 

cWoog, uf]i7L, cfGtl/s ;xsf/L cWoog, cGt/lqmof tyf cjnf]sgdf                

qmlds ¿kdf cj;/ k|bfg u/]sf] b]lvG5 .          

(= ;+:yfn] ;~rfng ug]{ u}/ljQLo sfo{qmdx¿nfO{ Jofj;flos of]ubfgtkm{

                   

pGd'v u/fpg'kg]{ egL cf}FNofOPsf]df u}/ljQLo sfo{qmdx¿sf] k|efj                  

ljZn]if0f tyf ;~rfng ;+/rgfdf kl/dfh{g u/L ;fdflhs ;'/Iff ;Fu;Fu}

             

Jofj;flos of]ubfg u/fpg] tkm{ of]hgf cufl8 a9fPsf] b]lvG5 .              

!)= ;~rfns ;ldltåf/f k|:tfljt s]Gb|Lo sfof{no ejg lgdf{0fsf] nflu tof/              

ug{ nfluPsf] l8lkcf/nfO{ ;b:ox¿sf] cfu|x Pj+ ;+:yfsf] lj:tf/ x'Fb}

                     

uPsf] sfo{qmd / sfo{ef/nfO{ yk Jojl:yt u/L u'0f:t/Lo Pj+ ;b:od}qL

                       

;]jfsf] nflu ejg lgdf{0f sfo{ t'?Gt k|f/De ug'{kg]{ egL cf}FNofOPsf]df
                   

ejg lgdf{0f pk;ldlt u7g u/L lgdf{0f sfo{sf] k|f/lDes k|lqmof cufl8            

a9fOPsf] b]lvG5 .    

;sf/fTds tyf /rgfTds ;'emfjx¿ M    

!= ;~rfns ;ldltn] ;]jf s]Gb| Joj:yfkg pk;ldltnfO{ ;do;fk]If            

;'emfj Pj+ ;Nnfx k|bfg u/L ;b:od}qL / Jojl:yt ¿kdf sfo{ ug{ k|]l/t                  

xfd|f] nIo  

82 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

ug'{kg]{ ;'emfj ub{5f}F .          

@= pTkfbgd'vL ljQLo ahf/ g} ;+:yfsf] ;jn d]?b08 /x]sfn] shf{ nufgL                  

/ c;'nLdf ljz]if Wofg k'¥ofO{ ljutsf] ;]jf / ;fv 36\g glbO{ ;]o/
                 

;b:ox¿sf] dgf]an cem} pRr /fVg ;~rfns ;ldlt, Joj:yfkg l6d              

nufot ;/f]sf/jfnf ;a}df kbLo bfloTjaf6 ;hu /xg ;'emfj ub{5f}F .              

#= ;+:yfdf sfo{/t sd{rf/Lx¿nfO{ 1fg, ;Lk clej[l4 / u'0f:t/Lo ;]jfsf nflu

                       

;do;fk]If tflnd / cled'vLs/0f sfo{qmdnfO{ lg/Gt/tf lbg'kg]{ ;'emfj                  

ub{5f}F .    

$= ;+:yfdf b]vf kg]{ r'gf}tLx¿sf] ;dod} klxrfg u/L l7s 9ª\un] ;fdgf u/]/
                       

Jofks / lbuf] ¿kdf cl3 a9\g'kg]{ cfhsf] cfjZostfnfO{ dWogh/ u/L                

of]hgf th'{df ug{ ;'emfj ub{5f}F .

         

%= ljQLo If]q :jefjtM a9L hf]lvd x'g] ;+j]bgzLn If]q xf], t;y{ efsf                  

gf3]sf C0fnfO{ ;dod} cg'udg u/L C0fLx¿nfO{ ;r]t u/fO C0f c;'nLb/               

ztk|ltzt k'¥ofpg] tkm{ sfo{of]hgf lgdf{0f ug{ ;'emfj ub{5f}F .                

^= ;+:yfnfO{ ;b:od}qL / ;d'bfo s]lGb|t agfpg] / cfw'lgs ;Eo ;dfhsf]

                 

lgdf{0fdf cl3 a9\g ;'emfj ub{5f}F .      

&= jt{dfgdf ;+:yfsf] cleofgsf] cfwf/ art tyf C0f /x]sf]df cab]lv
                 

o;nfO{ pTkfbg / Joj:yfkg ;xsf/Lsf] d'Vowf/ agfO{ cl3 a9\g of]hgf                

agfO{ sfof{Gjog ug{ ;'emfj ub{5f}F .          

*= ;xsf/L, ;d'bfosf] Joj;fo xf], o;n] cfˆgf ;b:ox¿sf] cfly{s,                    

;fdflhs, ;f+:s[lts / kof{j/0fLo jftfj/0fsf] ;'/Iff / ljsf;df 6]jf k'Ug]                        

sfo{qmdx¿sf] th'{df u/L sfof{Gjog ug{ ;'emfj ub{5f}F .                

(= k|To]s dlxgfdf a:g] ;~rfns ;ldltsf] a}7sdf ;+:yfsf] ljQLo cj:yfsf]                  

uxg 5nkmn u/L ljQLo :j:ytf sfod /fVg cfjZos of]hgf tof/ u/L              

nfu" ug{ ;'emfj ub{5f}F .      

!)= ;xsf/L If]qdf cg';Gwfg Pj+ ljsf;sf] sfo{nfO{ k|f]T;flxt ub}{ gjLg k|of]u                  

tyf ;Defjgfsf gofF If]qx¿sf] klxrfgsf nflu cy{k"0f{ sfo{ ug{ ;'emfj            

ub{5f}F .    

!!= cfjZos ef}lts k"jf{wf/sf] ljsf;, lj:tf/ / lgdf{0f sfo{nfO{ cl3 a9fpg                      

;'emfj ub{5f}F .    

xfd|f] nIo  

v'Pjd\;L 83
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

xfdLnfO{ k|fKt sfof{lwsf/ / If]qflwsf/leq /x]/ ;xsf/L l;4fGt, d"No, dfGotf

                       

/ bz{g tyf c;n cEof; Pj+ x'g ;Sg] hf]lvdnfO{ cfwf/ dfgL xfd|f] Ifdtf,
               

1fg, ;Lk / ljj]sn] EofP;Dd cfGtl/s n]vfk/LIf0f Pj+ ;+:yfsf] cGo ;DalGwt
                 

lqmofsnfksf] af/]df cWoog / lg/LIf0f ubf{ ;+:yfdf ;+nUg kbflwsf/L Pj+

               

sd{rf/Lx¿af6 sxLFst} ;+:yfsf] lxt k|lts"n x'g] sfd gu/]sf] s'/f ;Dk"0f{ ;]o/
                         

;b:oHo"x¿nfO{ hfgsf/L u/fpg rfxG5f}+ .

         

wGojfb 1fkg ;DaGwdf

cGtdf, o; ;+:yfnfO{ of] cj:yf;Dd Nofpgdf ldx]gtsf ;fy sfd ug{'x'g]
               

;~rfns ;ldltsf kbflwsf/LHo"x¿, ljleGg pk–;ldltsf kbflwsf/LHo"x¿,        

/rgfTds / ;sf/fTds ;'emfj k|bfg ug'{x'g] ;]o/ ;b:oHo"x¿, ;]jf s]Gb| Joj:yfkg
                       

pk–;ldltsf kbflwsf/LHo"x¿, ;+:yfdf cxf]/fq v6]/ pRr dgf]ansf ;fy                

;]jf/t sfo{sf/L k|d'v Pjd\ Joj:yfkg l6d / ;+:yfsf] z'elrGts dxfg'efjx¿

               

Pjd\ ;Da4 ;a}nfO{ xflb{s wGojfb lbg rfxG5f}F .        

wGojfb Û ho ;xsf/L ÛÛ ho ljs" .  

;+of]hs M >L sdn ;'j]bL    

;b:o M >L lbndfof >]i7    

;b:o M >L b]j]Gb| /fgf        

xfd|f] nIo  

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;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

C0f pk–;ldltsf] k|ltj]bg    

-cf=j= @)&*÷&(_

sflnbf; uf}8]n    

;+of]hs  

o; ## cf}+ jflif{s ;fwf/0f ;efsf cWoIf dxf]bo, k|d'v cltlyHo", ljlzi7            

cltlyHo", k|]/0fbfoL JolQmTjHo"x¿, ljleGg ;+3–;+:yfaf6 k|ltlglwTj u/]/                

kfNg'ePsf cltlyHo"x¿, o; ;+:yfsf ;+:yfks cWoIf Pj+ ;b:oHo"x¿,          

;~rfns ;ldlt Pj+ ;]o/ ;b:oHo"x¿, kqsf/ Pj+ z'elrGtsHo"x¿          

P]ltxfl;s ;Gbe{ M
   

;j{k|yd o; ;+:yfaf6 xfdLnfO{ C0f pk;ldlt h:tf] lhDd]jf/L kb lbP/

               

To;;DaGwL lhDd]jf/L sfd ug{ lbPsf]df ;~rfns ;ldlt tyf ;]o/ ;b:ok|lt              

xflb{s s[t1tf k|s6 ug{ rfxG5f}F .

       

cfhsf] o; ul/dfdo ## cf}+ ;fwf/0f ;efdf oxfFx¿;dIf o; ;+:yfsf] C0f

           

pk;ldltsf] k|ltj]bg k|:t't ug{ kfpFbf xfdL cToGt} xlif{t ePsf 5f}+ .              

@)$* ;fn efb| % ut]sf lbg @^ hgfaf6 %) k};faf6 ;'? ePsf] ;+:yf xfn        

cfP/ 100171 hgf ;]o/ ;b:o ePsf] ;+:yfn] xfn cfP/ ## cf}+ jflif{s
                   

;fwf/0f ;ef dgfpg kfpg' ;d'bfosf ;b:ox¿sf] nflu cToGt uf}/jsf] s'/f
             

xf] . kmh'n vr{ s6f}tL u/L lbgsf] %) k};f art u/f}F eGg] gf/f ;fy ;'? ul/Psf]
                       

artnfO{ lg/Gt/tf lbFb}, ;b:o ;ª\Vof / ;+:yfsf] k'FhL j[l4 x'g' xfdL ;a}sf] nflu
                       

uf}/jsf] s'/f xf] . s'g} klg ljQLo ;+:yfsf] d]?b08k eg]sf] k'FhLsf] ;+/rgf xf] eg]
                             

pQm ljQLo ;+/rgfnfO{ cfwf/ dfg]/ k'FhLsf] ;|f]t h'6fO{ C0f nufgL / c;'nLsf]                    

;Gt'ng tyf plrt Joj:yfkg ug'{ xf], h;sf] cfwf/af6 ;+:yfsf] pGglt / k|ultsf]                    

tyf ;b:ox¿sf] cfly{s ;fdflhs cj:yfsf] :t/ j[l4 x'g] kl/0ffd cfpF5 eGg]                     

xfdLnfO{ nfu]sf] 5 . ;+:yfn] ;b:o ;+/If0f l;4fGt -Member Protection

             

Principle_ cfwf/ dfg]/ cfkm\gf ;b:ox¿nfO{ ;]jf lbFb} cfPsf] 5 .                

xfd|f] nIo  

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jflif{s k|ltj]bg    
;a}sf] klxnf] /f]hfO          

gLltut Joj:yf  

o; sf/0f xfn ;+:yfn] cfˆgf ;]jfx¿af6 ;b:ox¿sf] ;'/Iffsf] nflu, df}h'bf

                   

ljlgod, art gLlt, PsLs[t ljk|]if0f ;]jf lgb]{lzsf, C0f Joj:yfkg gLlt, C0f
                   

nufgL sfo{ ljlw, C0f c;'nL sfo{ ljlw, ;xsf/L ljefusf] lgb]{zg tyf dfkb08,                  

;xsf/L P]g–2074 sf] cwLgdf /xL, C0f dfu ug]{ ;b:osf] Joj;fosf] lj:tf/sf
                       

nflu gjLgtd pBdzLntfdf hf]8 lbFb} C0fsf] p2]Zo / 5C dfkg u/L ;+:yfdf              

ePsf] t/ntf / ;b:ox¿n] dfu u/]sf] /sd / :ynut lg/LIf0fsf cfwf/df C0f
                         

nufgL ub}{ cfPsf 5f}F .      

;b:ox¿nfO{ Jofj;flos agfpgsf] nflu ;Lkd"ns tflndsf] Joj:yf ul/Psf]

             

5 o; qmdnfO{ jflif{s qmfo{qmdcg';f/ lg/Gt/tf lbOPsf] 5 . C0fsf p2]Zox¿nfO{                  

ljljwLs/0f ul/Psf] 5 . dlxnf ;b:osf] gfddf lwtf] eO{ C0f dfu u/]sf] v08df                    

df}h'bf Aofhb/df dlxnf C0fL ;b:ox¿nfO{ )=% k|ltzt Aofhb/ sd sfod

         

ug]{ Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 eg] s[lif Joj;fo ug]{ s[ifs ;b:onfO{ lbFb}
                             

cfPsf] C0fsf] Aofhb/df % k|ltzt 5'6 pknAw u/fO{ To;nfO{ lg/Gt/tf lbOg]
                 

5 .
C0fsf] ;Ldf  

o; ;+:yfdf ePsf] t/ntf / ljQLo ahf/df ePsf] ptf/r9fjnfO{ cWoog ubf{

                 

C0f nufgLsf] ;LdfnfO{ ¿=@ s/f]8 g} sfod ul/Psf] 5, eg] C0f nufgL k|lqmofnfO{                    

;/n, ;xh, l56f] / k|efsf/L agfpg ¿=@ nfv;Dd ;]jfs]Gb| k|d'vnfO{ C0f
                 

:jLs[t ug]{ clVtof/ lbOPsf] 5 eg] ;]jfs]Gb| k|d'v l;kmfl/;df, Joj:yfkgaf6

                       

¿=#) nfv;Dd / Joj:yfkgsf] l;kmfl/;df C0f pk;ldltaf6 ¿=! s/f]8 /              

;f]eGbf dfly C0fsf] ;Ldf;Dd C0f pk;ldltsf] l;kmfl/;df ;~rfns ;ldltaf6

       

C0f :jLs[t ug]{ k|fjwfgnfO{ lg/Gt/tf g} lbPsf] 5 .

                 

C0f nufgL, cg'udg tyf ;'/If0f    

C0f nufgLnfO{ k|efsf/L agfpgsf] nflu cfjZostfcg';f/ a}7s a:g] ul/Psf]                  

5 . k|To]s dlxgfsf] b'O{ k6s Joj:yfkg pk;ldltsf] a}7s a;L C0f l;kmfl/;              

ug]{ k|lqmofnfO{ lg/Gt/tf lbOPsf 5f} . ¿= !) nfveGbf dfly @ s/f]8;Ddsf]

                 

C0fsf] xsdf ;+:yfut d"Nofª\sgstf{sf] lgo'lQm u/L sG;N6]G;Ldfkm{t

             

xfd|f] nIo  

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;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

d"Nofª\sg u/L ;'/If0fsf nflu lwtf]aGws kf; u/L ;DalGwt dfnkf]t sfof{noaf6            

lwtf]aGws /f]Ssf ug]{ ul/Psf] 5 . ;+:yfdf a9\b} uPsf] rfknfO{ Wofgdf /fvL
                       

C0f nufgL / c;'nLsf nflu cfjZos hgzlQm yk u/L ;a} ;]jf s]Gb|af6 eg]            

kmf]g, kqfrf/ JolQmut e]63f6 u/L To;sf] C0f cg'udg clen]v tof/ ul/Psf]
                   

5 . x/]s xKtfsf] @ lbg -ljxLjf/ / z'qmjf/_ lwtf] lg/LIf0f / C0f c;'nLsf
                 

nflu k|To]s dlxgfsf] @) ut]kl5 cl3Nnf] dlxgfdf efvf gf3]sf] C0fnfO{ 6«sdf              

Nofpg]u/L Joj:yf ldnfOPsf] 5 . C0f nufgL tyf C0fsf] ls:tfsf] af/]df
                 

To;sf] c;'nLsf nflu ;ˆ6\j]o/dfkm{t ls:tfsf] P;=Pd=P;= u/L hfgsf/L lbg]

                 

Joj:yf lg/Gt/tf lbOPsf] 5 .        

sfo{ ;Dkfbg  

pQm cf=j=df C0f :jLs[tsf nflu Joj:yfkgnfO{ ¿=#),)),))).– ;Ldf            

sfod /flvPsf] 5 eg] C0f pk;ldltsf] a}7s @* k6s a;L C0fL :jLs[lt tyf              

:jLs[ltsf nflu ;~rfns ;ldlt l;kmfl/; ul/Psf] 5 . C0f nufgLnfO{ ;xh
           

l56f] agfpg] p2]Zon] C0f pk;ldltsf] a}7s x/]s dlxgfsf] klxnf] z'qmaf/ / t];|f]
                           

z'qmaf/ a:g] qmdnfO{ lg/Gt/tf lbOPsf] 5 .              

ut cf=j= 077÷78 df s'n C0fL ;ª\Vof 11052 hgfnfO{ ¿=5,73,51,83,159.39          

C0f nufgL /x]sf] lyof] . o; cf=j=2078÷79 df 6726 hgfnfO{ C0f nufgL          

lyof] eg] 6470 hgf ;b:oaf6 k'/} C0f r'Qmf ePsf] 5 eg] ¿=6,28,41,16,573.62
                     

C0f c;'nL ePsf] 5 . o; cf=j=df dlxnf 6204 hgf, k'?if 4848 hgf    

u/L s'n C0fL ;ª\Vof 11765 df ¿=7,12,61,01,661.16 C0f nufgLdf /x]sf]

               

hfgsf/L u/fpg rfxG5f}F . h;dWo] s[lif C0f ¿=16,25,57,001.57 -2=28Ü_,                  

Aofkf/ Joj;fo C0f ¿=4,32,85,32,627.50-60=74Ü_, j}b]lzs /f]huf/ tyf

                     

z}lIfs C0f 2,55,42,838.43 -0=36Ü_, xfo/kr]{h C0f ¿=1,16,28,866.12

                     

-0=16Ü_, ejg lgdf{0f C0f ¿=1,34,78,29,516.92 -18=91Ü_, cf}Bf]lus                  

C0f ¿=15,56,67,515.55 -2=18Ü_, kz'kfng C0f ¿=85,23,71,156.70              

-11=96Ü_, s'v'/fkfng C0f ¿=8,79,47,502.76 -1=23Ü_, cGo C0f            

¿=15,40,24,635.61 -2=16Ü_ C0f nufgL ePsf] 5 . ut cf=j=077÷78 sf]

         

s'n C0f nufgLnfO{ cfwf/ dfg]/ x]bf{, o; cf=j=2078÷79 df 23=11Ü n] j[l4                  

xfd|f] nIo  

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jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

ePsf] 5 . ;+:yfsf] jflif{s nIocg';f/ C0f nufgL 95=84Ü pknlAw ePsf]
           

5 . k|ltJolQm -C0fL_ cf}ift C0f nufgL ¿= 6,05,703.50 /x]sf] 5 eg] o;              

cf=j= df ¿=82,03,94,420.00 Aofh c;'nL ePsf] 5 .        

wGojfb 1fkg ;DaGwdf

cGtdf o; ;+:yfnfO{ ;xof]u k'¥ofpg' x'g], ;xsf/L ljefu, dfnkf]t sfof{no
                 

sfjf;f]tL, gfkL zfvf sfjf;f]tL, lhNnf art tyf C0f ;xsf/L ;+3 ln=, g]kfn
             

art tyf C0f s]Gb|Lo ;xsf/L ;+3 ln=, k|j4{sLo ;+:yf ljho ljsf; ;|f]t s]Gb|,
               

n]vfk/LIfs tyf cGo ;xof]uL ;+3 ;+:yf, ;~rfns ;ldlt, n]vf ;'kl/j]If0f
                 

;ldlt, ;]jf s]Gb| Joj:yfkg pk;ldltx¿, cGo pk;ldltx¿, ;Dk"0f{ ;]o/ ;b:o
                   

Pj+ z'elrGtsx¿ / sd{rf/Lx¿ ;a}nfO{ wGojfb lbg rfxG5' . ho ;xsf/L .

           

;+of]hs M >L sflnbf; uf}8]n

     

;b:o M >L efg'eQm nfld5fg]

   

;b:o M >L z]if sfGt sf]O/fnf

       

xfd|f] nIo  

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jflif{s k|ltj]bg    

lzIff pk;ldlt
cfly{s jif{ @)&*÷)&( sf] jflif{s        

k|ltj]bg  

v8\uaxfb'/ sdfn  

;+of]hs  

k[i7e"ld M  

cfhsf] o; ul/dfdo ## cf+} jflif{s ;fwf/0f ;efsf] cWoIftf u|x0f ug'{ePsf

             

o; ljs" art tyf C0f ;xsf/L ;+:yf ln= sf >4]o cWoIf dxf]bo, k|d'v          

cltly, ljlzi6 cltly, :yfgLo hgk|ltlglw, ;~rfns ;ldlt, n]vf ;'kl/j]If0f

               

;ldltsf kbflwsf/LHo"x¿, s]Gb|Lo pk–;ldlt, ;]jf s]Gb| Joj:yfkg pk–;ldlt              

tyf Joj:yfkg ;d"x, pkl:yt ;Dk"0f{ ;]o/ ;b:oHo"x¿, cfdlGqt ljleGg                

;fdflhs, ;f+:s[lts, Jofj;flos ;ª\3 ;+:yfsf k|ltlglw Pj+ pkl:yt ;Dk"0f{              

z'elrGts tyf ;Ddflgt JolQmTjx¿df o; ul/dfdo ## cf}+ jflif{s ;fwf/0f        

;efsf] ;'vb\ cj;/df lzIff pk;ldltsf] tkm{af6 xflb{s ;xsf/L cljjfbg JoQm
           

ub{5f}+ .
   

P]ltxfl;s ;Gbe{ M
   

‘art g} ljsf;sf] aLp xf]Ú eGg] cfb{z ;f]rfOsf ;fy ;fdflhs hfu/0f
             

cleofgsf ¿kdf ;'? ul/Psf] of] ;xsf/L cleofg k|ltJolQm b}lgs %) k};f            

cyf{t k|ltJolQm dfl;s !% ¿k}ofF ;ª\sng u/L yflnPsf] xf] . ;dfhdf JofKt
         

ul/aL, clzIff / s'ntaf6 ;d'bfonfO{ d'Qm u/L art ug]{ afgLsf] ljsf; u/fpg]
                   

tyf To;/L ;ª\slnt artnfO{ ;b:ox¿leq} kl/rfng u/L ljleGg lsl;dsf            

;fdflhs pBdx¿sf] k|j4{g ug'{ o;sf] d'Vo p2]Zo /x]sf] 5 . cys d]xgtsf] ;fy                    

ljQLo, u}/ljQLo tyf pRr k|ljlwo'Qm ;]jf ;xh / ;j{;'ne tl/sfn] k|bfg ub}{
                   

cfh ljs" :yfgLosf] klxnf] /f]hfO dfq xf]Og g]kfnsf] pTs[i6 ;xsf/L ;+:yfsf]                        

¿kdf ;d]t :yflkt x'g ;kmn ePsf] 5 . PlzofnL C0f dxf;ª\3 (ACCU) åf/f        

xfd|f] nIo  

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;a}sf] klxnf] /f]hfO
         

^ k6s ACCESS BRAND k|bfg ug'{, n3'ljQ ljZjJofkL ;~hfn Mix Market    

International åf/f Five Star k|bfg x'g' tyf Waking the Asian Pacific  

Co-operative Potential gfds c:6«]lnofsf] hg{ndf ljs"sf] af/]df k|sflzt              

x'g', Achievement Forum Europe cjf8{sf] nflu dgf]gogdf kg'{, cg's/0fLo

             

k|ljlwsf] pRrtd k|of]udf ;Ddflgt x'g' ;+:yfsf] /fli6«o tyf cGt/f{li6«o uf}/jsf]
                   

ljifo ePsf] 5 .  

;xsf/L lzIff / ;Gbe{ M      

;du| ;xsf/L cleofg / u'0ffTds ljsf;sf] cfwf/ :tDesf] ¿kdf ;xsf/L lzIff              

/x]sf] 5 . ljs" art tyf C0f ;xsf/L ;+:yf ln= n] klg ;+:yf ljsf;sf] nflu of]
                 

k|lqmofnfO{ d]?b08sf] ¿kdf lnPsf] 5 . kmn:j¿k ;+:yf of] prfO;Dd cfOk'u]sf]                  

5 . g]kfn h:tf] cNkljsl;t d'n'sdf /fhgLlts cl:y/tf, ef}uf]lns cj:yf,

                     

c:j:y ljQLo ahf/ cflbsf] sf/0f cfd dflg;x¿df ljQLo ;]jf / lzIffsf]
               

kx'Fr k'Ug ;s]sf] 5}g . o;sf/0f ;dfhsf x/]s ju{sf dflg;x¿nfO{ ;xsf/L                  

lzIff / ;]jfdf ;dfj]z ub}{ ;dfhdf ljQLo, :jf:Yo / k|ljlw ;fIf/tfnfO{ gLltut
                     

¿kdf g} Joj:yf u/L cufl8 a9fPsf 5f}+ . ;b:ox¿sf] nflu ljleGg dfWod
           

ljQLo ;fIf/tf tyf ;b:ox¿sf] lj:tfl/t d~r, :s'n:s'ndf ljs" sfo{qmd,                    

q}dfl;s a'n]l6g k|sfzg, bL3{sfnLg 5fqj[lQ sfo{qmd, ;b:o ;j]{If0f, o'jf;Fu

                     

ljs", ljs" :df6{ a}+lsª, cfGtl/s tyf afXo cjnf]sg e|d0f, ;fdflhs ;~hfn
               

km];a's, o'6'o'j / ;]jf s]Gb|x¿dfkm{t lg/Gt/ ;xsf/L lzIffnfO{ cufl8 a9fO/x]sf

                       

5f}+ .  

lzIffd"ns k|sfzg Tfyf sfo{qmdx¿ M  

ƒ cWoog÷cjnf]sg  

ƒ k|ljlw ;fIf/tf  

ƒ Sofn]G8/ k|sfzg    

ƒ q}dfl;s k|ltj]bg
   

ƒ ljs" ;Gb]z q}dfl;s klqsf    

ƒ jflif{s k|ltj]bg    

ƒ a|f];/x¿ / lnkm\n]6x¿ k|sfzg

       

xfd|f] nIo  

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;a}sf] klxnf] /f]hfO         

jflif{s k|ltj]bg    

ƒ sn ;]G6/    

ƒ ljs" :df6{ a}+lsª df]afOn PlKns]zg          

ƒ ljs"sf] j0f{dfnf k|sfzg    

;~rfng ul/Psf sfo{qmdx¿ M    

ƒ x/]s dlxgf gofF aGg] ;b:ox¿nfO{ cled'vLs/0f sfo{qmd ;~rfng

             

ƒ :jf:Yo ;r]tgf tyf :jf:Yo ladf k|j{4g sfo{qmd

             

ƒ ;fdflhs ;~hfn dfkm{t\ k|ljlw ;fIf/tf tyf k|j{4g sfo{qmd        

ƒ ;xsf/L l;sfO cleofgsf] nflu kfNg'x'g] afXo ;xsf/L ;+:yfsf !@!%          

hgf ;xsf/L cleoGtf, ;~rfns tyf ;]o/ ;b:ox¿;Fu cGtlqm{of            

sfo{qmd  

;~rfng ul/Psf tflndx¿ M  

ƒ ;DklQ z'4Ls/0f;DaGwL tflnd  

ƒ ;b:osf] nflu s/];faf/L xl/of] t/sf/L;DaGwL tflnd                  

ƒ ;]jf s]Gb| Joj:yfkg pk;ldltx¿sf] nflu g]t[Tj ljsf; tflnd

           

ƒ sd{rf/Lx¿sf] nflu Jofj;flostf ljsf; tflnd      

ƒ C0f Joj:yfkg tflnd  

ƒ lwtf] d"Nofª\sg tflnd  

ƒ ;"rgf tyf k|ljlw ljsf; tflnd

ƒ sd{rf/Lx¿sf] nflu JolQmTj ljsf; tflnd      

ƒ ljQLo ;fIf/tf;DaGwL tflnd  

;do, ;Gbe{ / cj:yf M        

o; cfly{s jif{df klg ;+:yfdf sf]/f]gf ;ª\qmd0fsf] bf];|f] nx/sf] k|efj lg/Gt/                         

/Xof] . dxfdf/Lsf] o; ljifd kl/l:yltdf km/s tl/sfn] ;b:ox¿nfO{ lzIff,

                       

;"rgf tyf hfgsf/L k|bfg ub}{ ;b:ox¿sf] ljQLo kx'Fr lj:tf/ ug'{kg]{ b]lvG5 .                      

g]kfn ;/sf/ tyf g]kfn /fi6« a}+sn] klg k|ljlwo'Qm ljQLo ;]jfnfO{ k|f]T;fxg
                   

u/]sf] ;Gbe{df ;+:yfn] ;xsf/L ;+:yf dfkm{t\ k|bfg ug{ ;lsg] k|ljlwo'Qm ljQLo
                     

;]jf k"0f{¿kdf k|bfg u/]sf] 5 . k|ljlwo'Qm ;]jfdf ;b:osf] kx'Fr j[l4 ug{ k|ljlw
                   

xfd|f] nIo  

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;a}sf] klxnf] /f]hfO          

;fIf/tfnfO{ k|yfldstfsf ;fy cufl8 a9fOPsf] 5 . ;+:yfsf] sfo{If]q / sf/f]af/df

                     

lj:tf/, ;b:otf lj:tf/ tyf ablnFbf] ljifd kl/l:yltn] l;h{gf ug]{ cfGtl/s tyf
                           

afXo hf]lvdnfO{ sd ub}{ ;+:yfdfkm{t\ x'g] ljQLo sf/f]af/nfO{ kf/blz{tf sfod                          

ug{ ;DklQ z'4Ls/0f tyf cftª\ssf/L lqmofsnfkdf ljQLo nufgL lg?T;fxg

     

ug{ P]g sfg'g tyf cfGtl/s sfo{ljlwsf] sfof{Gjog u/L ;b:ox¿nfO{ ;DklQ
                 

z'4Ls/0f;DaGwL ;r]tgf k|bfg ub}{ u}/sfg'gL nufgLcGtu{t x'g] ljQLo kf/blz{tf                    

sfod ug{ ;kmn ePsf] cg'ej xfdLn] u/]sf 5f}+ .            

k|ljlwsf] pRrtd k|of]u;Fu} ;b:ox¿;Fu lg/Gt/ ;Dks{ ;dGjo, dfu u/]sf] a]nfd}                          

lgMz'Ns Pl6Pd sf8{ k|bfg, 3/d} a;]/ cgnfOg a}+lsª ;]jf ;'rf? ug]{ Joj:yf,                        

3/d} a;]/ C0f dfu ug{ ;lsg] Joj:yf, k|ljlw k|of]u ug]{ tl/sf / P;=Pd=P;=
                         

nufotsf ;]jfx¿ k|of]u ug{ ;fdflhs ;~hfn, j]j;fO6, /]l8of] dfkm{t\ ;"rgf                    

tyf hfgsf/L lg/Gt/ k|sfzg tyf k|;f/0f ul//Xof}F .              

;xsf/L lZfIffdf ePsf] vr{nfO{ vr{ xf]Og ;+:yfsf] ;DklQ ;'/lIft agfpg ul/Psf]
                     

nufgL xf] eGg] p2]Zon] x/]s jif{ lzIffdf ah]6 ljlgof]hg u/L vr{ ug]{ ul/Psf]                              

5 . lxhf] ;xsf/Ln] art / C0f sf/f]af/ dfq ug'{k5{ eGg] dfGotfeGbf dfly p7]/                        

lzIff, tflnd / ;"rgf eGg] ;xsf/Lsf] kfrf}F cGt/f{li6«o l;4fGtnfO{ cfTd;ft\

                 

ub}{ ;+:yfsf ;]o/ ;b:ox¿nfO{ ;+:yfsf] ljleGg ultljlwx¿sf] af/]df hfgsf/L

                         

u/fpg], ;xsf/Lsf] ;}4flGts tyf Jofjxfl/s kIfx¿sf] af/]df r]tgf hufpg,

                       

art s]–sf] nflu eg]/ l;sfpg, C0f s;/L ;b'kof]u ug]{ eGg] af/]df ljQLo,                          

k|ljlw / :jf:Yo ;fIf/tfsf nflu jflif{s ah]6sf] clwgdf /xL ljleGg sfo{x¿                  

ub}{ cfO/x]sf 5f}+ .

         

wGojfb 1fkg ;DaGwdf M

cGtdf ;xsf/Lsf]] If]qdf eP u/]sf /fli6«o tyf cGt/f{li6«o c;n cEof;x¿sf]                    

af/]df ;b:oHo"x¿;Fu cGtlqm{of ug]{, ;xsf/L s] xf] < lsg ;xsf/Ldf nfUg'k5{
                       

< ;xsf/Ldf ;]o/ ;b:o, ;~rfns / Joj:yfkgsf] e"ldsf s] x'G5 < ;xsf/L                    

l;4fGt eg]sf] s] xf] < o;sf] d"No dfGotfsf af/]df klg ;]o/ ;b:oHo"x¿n]                      

hfGg} kg]{ cfwf/e"t ljifo ag]sf] 5 . of] a'emfpg] lhDd]jf/L xfdL ;~rfnssf]
                     

xfd|f] nIo  

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jflif{s k|ltj]bg   

xf] . o;sf] nflu Ps k6s dfq xf]Og lg/Gt/ ;xsf/L lzIffsf] cfjZostf kb{5 .
               

;xsf/Lsf] Ifdtfcg';f/ ;a} ;]o/ ;b:ox¿nfO{ ;xsf/L lzIff sfo{qmddf ;xefuL

                   

u/fO{ ;r]tgf km}nfpg / ;d'Ggt ;dfh lgdf{0fsf] nflu ;a}nfO{ ;xsf/Ldf cfa4
                   

u/fpg lgoldt ¿kdf ljutdf h:t} cfufdL lbgdf ;xsf/L lzIff sfo{qmddf
         

lgoldt ah]6 ljlgof]hg ub}{ nlug]5 .          

cfh;Dd ;xsf/Laf6 k|fKt lzIff cfkm"df dfq g/fvL ;dfhdf km}nfpg ;xof]u        

ug'{x'g] ;Dk"0f{ ;]o/ ;b:oHo"x¿, ;~rfns ;ldlt, lzIff pk;ldltsf ;xsdL{

                 

kbflwsf/Lx¿, ;xsf/L JolQmTjx¿nfO{ cfef/ k|s6 ub}{ ;~rfns ;ldlt tyf

             

Joj:yfkgnfO{ xflb{s wGojfb lbg rfxG5' .

     

ho ;xsf/L, ho ljs" .    

;+of]hs M >L v8\u axfb'/ sdfn    

;b:o M >L sfl;gfy kf]v|]n      

;b:o M >L zlzw/ sF8]n      

;b:o M >L k|sfz cfrfo{    

;b:o M >L zflns/fd kf]v|]n        

xfd|f] nIo  

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;a}sf] klxnf] /f]hfO          

;DklQ z'4Ls/0f tyf lgjf/0f;DaGwL    

jflif{s k|ltj]bg    

cfly{s jif{ @)&*÷&(    

k[i7e"ld M  

;DklQ z'4Ls/0f lgjf/0f P]g @)^$ sf] bkmf $^ n] lbPsf] clwsf/ k|of]u u/L                  

tof/ ePsf] ;DklQ z'4Ls/0f lgjf/0f lgodfjnL @)&# nfO{ cfwf/ dfgL hf/L
             

x'g UfPsf] ;DklQ z'4Ls/0f tyf cftÍjfbL lqmofsnfkdf ljQLo nufgL ;DaGwL
   

;xsf/L ;+:yfnfO{ hf/L lgb]{zg @)&$ nfO{ k|efjsf/L ¿kdf nfu" ug{sf] nflu
                   

;+:yfn] ;DklQ z'4Ls/0f gLlt @)&$ tof/ kf/L sfof{Gjogdf NofPsf] 5 /

               

klxnf] ;+zf]wg @)&* df cBfjlw ul/Psf] 5 . ;+:yfsf] ;Dk"0f{ sf/f]af/ o;}
                     

gLltsf] clwgdf ;Dkfbg ul/Fb} cfPsf] 5 . ;DklQ z'4Ls/0f lgjf/0f sfo{ljlw
             

@)&$ sf] sfof{Gjog u/L ;+:yfdfkm{t ul/g] ljQLo sf/f]af/nfO{ :jR5tf Pj+                        

kf/blz{tf sfod ub}{ ;+:yfdf hf]lvd sd ub}{ cfGtl/s lgoGq0f k|0ffnL dha'b
                 

agfpFb} ;+:yfut ;'zf;g tyf nIo k|flKtdf ;xof]u k'Ug] u/L sfo{ ;Dkfbg ug{
             

;xof]u k'Ug]5 .    

;+:yfn] ;DklQ z'4Ls/0f lgjf/0f P]gdf ePsf Joj:yfx¿nfO{ kfngf ub}{ nu]sf]
                     

5 . vf;u/L ;ª\ul7t ck/fw tyf /fh:j 5lnaf6 cflh{t ;DklQsf] Joj:yfkgdf              

;+:yfnfO{ k|of]u x'g glbg cfjZos ;fjwfgLx¿ ckgfOPsf] 5 . ;+:yfn] C0f
           

nufgL ubf{ ;b:ox¿af6 lwtf] lnO{ C0f pkef]u ug'{sf] k|of]hg ;d]t :k:6 v'nfO{                        

k|rlnt sfg'g cg';f/ sf/f]af/ ug]{ ;b:ox¿nfO{ dfq C0f lbg] gLlt lnPsf] 5 .                    

¿= !) nfveGbf dflysf] e'QmfgLnfO{ clgjfo{ PsfpG6 k]oL r]s dfkm{t e'QmfgL            

ug]{ ul/Psf] 5 . lanx¿sf] e'QmfgL ubf{ ;DalGwt ;+:yf jf sDkgLsf] gfddf
               

r]sdfkm{t\ e'QmfgL ug]{ ul/Psf] 5 .

           

Ps lbgdf Ps k6s jf k6sk6s u/L ? !) nfveGbf a9L lgIf]k hDdf ug]{        

xfd|f] nIo  

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jflif{s k|ltj]bg    

;b:ox¿nfO{ /sdsf] ;|f]t :k:6 v'nfO{ lgIf]k lng] ul/Psf] 5 . ¿= ! nfveGbf
                       

dflysf] gub e'QmfgL ubf{ e'QmfgL kfpg] JolQmsf] cflwsfl/s kl/ro–kq k|ltlnlk
           

/fVg] Joj:yf ul/Psf] 5 .

         

;+:yfsf] sfo{If]qleq :yfoL a;f]af; u/]sf] Plsg u/L a;f]af; :yn / k]zf
                           

;DaGwL k"0f{ hfgsf/L lnP/ dfq ;b:otf k|bfg ug]{ Joj:yf /x]sf] 5 . sf/f]af/sf]                            

;|f]tsf] hfgsf/L lnO{ ;DklQ z'4Ls/0f lgsf/0f P]g tyf lgodfjnLdf ePsf
             

Joj:yfx¿nfO{ kl/kfngf ub}{ nluPsf] 5 .

           

tf]lsPsf] l;dfeGbf a9Lsf] sf/f]af/sf] g]kfn /fi6« a}+s ljQLo hfgsf/L OsfO{df
                       

lgoldt k|ltj]bg k7fpg] ul/Psf] 5 . ;DklQ z'4Ls/0f P]g, lgodfjnL tyf ljQLo              

hfgsf/L O{sfOn] ;do;dodf lbPsf] lgb]{zg kfngf tyf ;xsf/L ljefun] ;xsf/L
                 

;ª\3;+:yfnfO{ hf/L u/]sf] lgb]{zg @)&$ adf]lhd ;+:yfn] sfof{Gjog clwsf/L

                         

lgo'Qm u/]sf] 5 .      

;+:yfn] ;DklQ z'4Ls/0f gLlt @)&$ nfu' u/L sfof{Gjogdf NofPsf] 5 . ;+:yfn]
               

;+:yfdf sfo{/t sd{rf/Lx¿nfO{ ;DklQ z'4Ls/0f tyf hf]lvd Go"gLs/0f ;DaGwL

                 

tflnd tyf uf]i7Lx¿df ;xefuL u/fpFb} cfPsf] 5 . ;+:yfn] ;"rgf kf6L{, kqklqsf,                  

;fdflhs ;~hfn ty j]j;fO6 dfkm{t ;"rgf k|sfl;t u/L ;+:yfut hfgsf/L tyf          

;b:ox¿nfO{ cfkm\gf] ljj/0f cBfjlws ug{ ;"rgf tyf hfgsf/L k|bfg u/]sf] 5 .
                 

;fy} cfufdL lbgdf o;nfO{ yk Jojl:yt u/L ;b:o tyf ;+:yfsf] sf/f]af/df x'g
                   

;Sg] hf]lvdnfO{ Go"gLs/0f ub}{ nlug] 5 .

             

;DklQ z'4Ls/0f tyf lgjf/0f ;DaGwL o; cfly{s jif{df ;DkGg sfo{x¿ M          

!= l;df sf/f]af/ k|ltj]bg -Threshold Transaction Report TTR_        

;DaGwdf
;DklQ z'4Ls/0f tyf lgjf/0f ;DaGwL ;xsf/L ;ª\3;+:yfnfO{ hf/L            

lgb]{zg @)&$ sf] bkmf !( cg';f/ ljQLo hfgsf/L OsfO{ tyf lgofds
           

lgsfo ;xsf/L ljefudf cg';"rL $ cg';f/sf] ;Ldf sf/f]af/ k|ltj]bg              

-Threshold Transaction Report_ sfof{Gjog clwsf/L dfkm{t k|To]s        

!)–!) lbgsf] sf/f]af/ !% lbgleq lgofds lgsfodf k'Ug] u/L o; cfly{s              

jif{df #^ j6f k|ltj]bg k7fOPsf] 5 eg] o; cfly{s jif{;Dd cfOk'Ubf (&

           

j6f l;df sf/f]af/ k|ltj]bg k7fOPsf] 5 .          

xfd|f] nIo  

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jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

@= ;xsf/L ljefusf] sf]kf]ld; ;km\6jo/df o; cfly{s jif{;Dd ()!@@              

;b:ox¿sf] ;b:o klxrfg cBfjlws u/L cknf]8 ul/Psf] 5 .              

#= ;DklQ z'4Ls/0f tyf lgjf/0f;DaGwL ;xsf/L ;ª\3;+:yfnfO{ hf/L lgb]{zg                

@)&$ cg';f/ ;b:o klxrfg kmf/d, hDdf ef}r/nufotsf ;DalGwt            

kmf/dx¿ cBfjlws ul/Psf] 5 .      

$= Go AML Software ;DaGwdf

;xsf/L ljefusf] ldlt @)&* kf}if @@ sf] kl/kqcg';f/ cfly{s jif{                

@)&*–&( h]7 ! ut]b]lv goAml (Production Environment) dfkm{t\        

l;df sf/f]af/ tyf zª\sf:kb sf/f]af/sf] l/kf]{l6ª\ ug]{ lgb]{zgcg';f/                                

ljQLo hfgsf/L PsfOnfO{ goAml (Production Environment) af6    

ljj/0f k7fOPsf] 5 .    

%= rf}dfl;s k|ltj]bg ;DaGwdf    

;DklQ z'4Ls/0f tyf lgjf/0f;DaGwL ;xsf/L ;ª\3;+:yfnfO{ hf/L lgb{zg              

@)&$ sf] bkmf @* sf] lgb{]zgadf]lhd ;xsf/L ljefudf cg';"rL ^            

adf]lhdsf] rf}dfl;s k|ltj]bg o; cfly{s jif{df # j6f k7fOPsf] 5 .

             

o; cfly{s jif{sf] jflif{s k|ltj]bg cg';f/ ;+:yfdf ;b:ox¿sf] ljj/0f o; k|sf/

                     

/x]sf] 5 .
     

ljj/0f   ut cf=j= ;Dd rfn' cfly{s jif{;Dd    

hDdf ;b:o ;ª\Vof  

*!&&! !))!&!
s_ ;b:o -¿= !) nfv;Dd ;]o/ x'g]_
  *!^*$ !)))^&      

v_ ;b:o -¿= !) nfveGbf dfly ;]o/ x'g]_

  *& !)$      

u_ artstf{ ;b:o -¿= !) nfv;Dd_ *)##@ (*&^!   

3_ artstf{ ;b:o -¿= !) nfveGbf dfly_ !$#( !$!)    

ª_ C0fL ;b:o -¿= !) nfv;Dd_ (($* !)%)*  

r_ C0fL ;b:o -¿= !) nfveGbf dfly_ !!)$ !@%&  

klxrfg cBfjlws ePsf ;b:o ;ª\Vof &))## ()!@@  

klxrfg cBfjlws gePsf ;b:o ;ª\Vof !!&#* !))$(  

;Ldf sf/f]af/ k|ltj]bgsf] ;ª\Vof    ^! (&      

xfd|f] nIo  

96 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

^= hf]lvd d"Nofsª\g ;DaGwdf  

;+:yfnfO{ cfGtl/s Pj+ afXo hf]lvdaf6 arfpgsf] nflu hf]lvd            

d"Nofª\sg u/L ;do;dodf Joj:yfkg Pj+ ;~rfns ;ldltdf 5nkmn    

ul/g'sf ;fy} lgofds lgsfodf k|ltj]bg k]z ug]{ ul/Psf] 5 ;fy} ;+:yfdf                    

cfj4 pRr kb:y JolQmx¿sf] klxrfg u/L /]s8{ /flvPsf] 5 .                

gf]6 M ;b:ox¿sf] hf]lvd:t/ lgwf{/0f lghsf] art, C0f / ;]o/ sf/f]af/sf]

                                 

;fy} k];fut cfwf/df hf]lvdsf] juL{s/0f -s]=jfO=Pd= kmf/fd ebf{ ug'{kg]{                          

juL{s/0f_ cfwf/df ul/Psf] 5 .          

wGojfb 1fkg ;DaGwdf M

cGTodf, ;DklQ z'4Ls/0f tyf cftª\ssf/L lqmofsnfkdf x'g] ljQLo nufgL
       

/fli6«o ;d:ofsf] ¿kdf /x]sf] 5 . cfk/flws sfo{af6 cflh{t ;DklQ tyf
                 

cftª\sjfbL lqmofsnfkdf ljQLo nufgL gjLgtd k|s[ltsf cfly{s ck/fw x'g\      

oL ck/fwx¿ lgoGq0f ug{ /fli6«o ¿kdf ;femf k|of;x¿ x'Fb} cfPsf 5g\ o;}
         

;Gb{edf ;+:yfaf6 x'g] ljQLo sf/f]af/df hf]lvd Go"gLs/0f, ljQLo kf/blz{tf,

                       

cfGtl/s lgoGq0f, ;'zf;g sfod ub}{ P]g lgod tyf cfGtl/s sfo{ljlw / ;DklQ
               

z'4Ls/0f tyf cftª\ssf/L lqmofsnfkdf ljQLo nufgL lgjf/0f;DaGwL /fli6«o

       

/0fgLlt tyf sfo{of]hgf -@)&^–@)*!_ sfof{Gjogdf ;+:yfut lhDd]jf/L axg

             

ug]{ k|lta4tf JoQm ub{5f}+ ;fy} ;Dk"0f{ ;]o/ ;b:oHo"x¿ ;~rfns ;ldlt, sfof{no
                     

k|d'v, ;xsdL{ Pj+ lgofds lgsfonfO{ xflb{s wGojfb lbg rfxG5' .

       

ho ;xsf/L, ho ljs" .    

clws[t  

sfof{Gjog clwsf/L    

xfd|f] nIo  

v'Pjd\;L 97
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

xfd|f] nIo 

98 v'Pjd\;L
:;b:
j:oy
 
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

xfd|f] nIo  

v'Pjd\;L 99
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

ljs" art tyf C0f ;xsf/L ;+:yf ln=    

ljQLo cj:yfsf] ljj/0f      

2079 cfiff( 32 d;fGt

ljj/)f cg';"rL cf=j= 2078÷79 k'g:yf{lkt cf=j=     k'g:yf{lkt cf=j=    

2077÷78 01÷04÷2077
;DklQ
gub tyF gub ;dFg 4=1 1,082,182,057.36 1,976,217,858.71
            1,596,793,174.06     

g]kFn /Fi^« a]+sdF /x]sF] dF}HbFt

             

4=2 – – –
tyF lng'kg]{   

cGo JoFkFl/s ;DklQ   4=3 3,685,637.32 4,760,117.81         12,155,224.83    

shf{ tyf ;fk^   4=4 7,075,799,583.68 5,684,866,105.29

            3,862,138,816.20      

;'/Ô)FkqdF nuFgL
  4=5 332,128,600.00 11,976,200.00         11,956,100.00    

rFn' s/ ;DklQ   4=6 27,272,988.99 26,837,969.62

        19,118,307.00    

nuFgL ;DklQ 4=7 – – –

;DklQ tyF pks/)F   4=8 114,490,712.14 97,804,373.91         94,852,626.16    

cd"t{ ;DklQ   4=9 315,614.10 460,384.53     655,264.53  

:yug s/ ;DklQ
    4=10 – – –
cGo ;DklQ 4=11 11,161,419.29 10,504,872.33         21,411,743.67    

hDdF ;DklQ 8,647,036,612.88 7,813,427,882.20

            5,619,081,256.45
     

bfloTj
lgIf]k bfloTj   4=12 6,987,138,565.46 6,548,249,404.75 4,607,127,135.70
                 

aFxØ C)F tyF ;Fk^L 4=13 – – –

sd{rf/Lsf] nflu kl/eflift nfe bfloTj
        4=14 25,810,900.17 17,471,753.47 16,350,129.20
           

cGo JoFkFl/s bFloTj   4=15 5,256,081.42 1,025,200.00 2,595,269.52            

rFn' s/ ;DklQ bFloTj   4=6 – – –

:yug s/ bFloTj
    4=10 282,843.67 854,967.46 978,867.98      

Joj:yf   4=16 – – –
cGo bFloTj 4=17 12,897,835.77 8,552,019.13 17,656,582.50
           

hDdF bfloTj 7,031,386,226.49 6,576,153,344.81 4,644,707,984.90

                 

OlSj^L
r'Qmf ;]o/ k'“hL     4=18 909,316,300.00 686,506,400.00         509,811,700.00    

hu]*f tyf sf]ifx¿     4=19 706,334,086.39 550,768,137.39         464,561,571.55    

hDdF OlSj^L 1,615,650,386.39 1,237,274,537.39

            974,373,271.55    

hDdF bfloTj / OlSj^L  

8,647,036,612.88 7,813,427,882.20
            5,619,081,256.45
     

;Defljt bfloTj / k|ltj$tf   4=20 – – –

k|lt ;]o/ v'b ;DklQ d"No    

177.68 180.23 191.12

cfhsf] ldltsf] xfd|f] k|ltj]bgsf] cfwf/df
           

dfwjk|;fb kf}8]n sflnbfz uf}8]n sdn ;'j]bL cf]d k|;fb ;fksf]6f

  ;L=P= clgn hf]zL
             

k|d'v clws[t sf]iffWoIf ;+of]hs cWoIf ;fem]bf/          

n]vf ;'kl/j]If0f ;ldlt s'j]/ Pg\+ e§/fO{ P08 s+=              

rf6{8{ PsfpG6]G6\;      

ldltM @)&(÷)^÷)^ :yfg M sf7df8f}F .    

xfd|f] nIo  

100 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

ljs" art tyf C0f ;xsf/L ;+:yf ln=    

gfkmf jf gf]S;fgsf] ljj/0f

     

2078 >fj)f 1 b]lv 2079 cfiff( 32 d;fGt;Dd  

k'g:yf{lkt cf=j=
ljj/)f cg';"rL cf=j= 2078÷79
   

2077÷78
 

Aofh cfDbfgL 4=21 911,738,495.02

    635,889,634.95    

Aofh vr{  
4=22 512,900,664.00
    380,010,779.66    

v'b cfDbfgL jf vr{  

398,837,831.02     255,878,855.29    

cGo ;~rfng cfDbfgL 4=23 32,291,487.87

    36,038,487.18    

j'mn ;~rfng cfDbfgL 431,129,318.89     291,917,342.47    

C)f / cGo gf]S;fgsf] nflu xfgL÷-lkmtf{_

       
18,949,316.60     11,420,626.23    

v'b ;~rfng cfDbfgL 412,180,002.29     280,496,716.24    

;~rfng vr{  

sd{rf/L vr{      
4=24 94,550,283.42     66,865,561.54    

cGo ;~rfng vr{  

4=25 48,790,250.46     33,447,018.42   

kl/zf]wg÷d"Nox|f;÷u}}/ljQLo ;DklQsf]
4=26 12,118,632.88 9,775,298.02
          

xfgL
       

;~rfng gfkmf 256,720,835.54 170,408,838.26        

u}/ ;~rfng cfDbfgL

   
4=27 1,517,830.61 1,324,940.24        

u}/ ;~rfng vr{

     
4=28 129,664.47 –  

cfos/ cl#sf] gfkmf    

258,109,001.68 171,733,778.50        

cfos/ Joj:yf     4=29 13,438,807.10 8,713,922.50

       

:ylut cfos/ vr{÷-cfo_

      4=29 -572,123.79_ -123,900.52_    

o; cf=j= sf] gfkmf   245,242,318.37 163,143,756.52

       

k|lt;]o/ cfDbfgL    

k|lt;]o/ cfwf/e"t cfDbfgL      26.97 23.76

cfhsf] ldltsf] xfd|f] k|ltj]bgsf] cfwf/df            

dfwjk|;fb kf}8]n sflnbfz uf}8]n sdn ;'j]bL cf]d k|;fb ;fksf]6f

  ;L=P= clgn hf]zL
             

k|d'v clws[t sf]iffWoIf ;+of]hs cWoIf ;fem]bf/          

n]vf ;'kl/j]If0f ;ldlt s'j]/ Pg\+ e§/fO{ P08 s+=              

rf6{8{ PsfpG6]G6\;      

ldltM @)&(÷)^÷)^ :yfg M sf7df8f}F .    

xfd|f] nIo  

v'Pjd\;L 101
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

ljs" art tyf C0f ;xsf/L ;+:yf ln=    

cGo lj:t[t cfDbfgLsf] ljj/0f        

2078 >fj)f 1 b]lv 2079 cfiff( 32 d;fGt;Dd  

k'g:yf{lkt cf=j=
ljj/)f cg';"rL cf=j= 2078.79
   

2077.78
 

o; cf=j= sf] gfkmf   245,242,318.37    163,143,756.52    

s= gfkmf / gf]S;fgdf k'gj{uL{s/)f gul/g] a'bfx¿             

Fair Value df dfkg ul/Psf O{lSj^L pks/)fsf]        

nufgLdf gfkmf÷-gf]S;fg_  

k"gM d"Nof°g ubf{ v'b gfkmf -gf]S;fg_    

kl/eflift nfe of]hgfdf ePsf] gfkmf÷-gf]S;fg_

       

dflysf ljifo j:t';“u ;DalGwt cfos/    

v= gfkmf tyf gf]S;fgsf nflu k'gj{uL{s/)f gul/g]            

cGo lj:t[t cfDbfgL    

gub k|jfx x]hdf gfkmf -gf]S;fg_    

ljlgdo gfkmf -gf]S;fg_ -cGt/f{li^«o Operation sf      

ljQLo ;DklQ ¿kfGt/)f ubf{_    

kl/eflift nfe of]hgfdf ePsf] gfkmf÷-gf]S;fg_

       

u= O{lSj^L ljlwaf^ n]vfsg ul/Psf ;Da$ ;+:yfsf]

         

lx:;f
 

cfos/ kl%sf] cGo lj:t[t cfDbfgL

       

j'mn lj:t[t cfDbfgL     245,242,318.37 163,143,756.52

       

cfhsf] ldltsf] xfd|f] k|ltj]bgsf] cfwf/df

           

dfwjk|;fb kf}8]n sflnbfz uf}8]n   sdn ;'j]bL cf]d k|;fb ;fksf]6f

  ;L=P= clgn hf]zL            

k|d'v clws[t sf]iffWoIf ;+of]hs cWoIf ;fem]bf/

         

n]vf ;'kl/j]If0f ;ldlt s'j]/ Pg\+ e§/fO{ P08 s+=              

rf6{8{ PsfpG6]G6\;      

ldltM @)&(÷)^÷)^ :yfg M sf7df8f}F .    

xfd|f] nIo  

102 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg    

ljs" art tyf C0f ;xsf/L ;+:yf ln=    

gub k|jfxsf] ljj/0f    

2079 cfiff( 32 d;fGt

ljj/)f cf=j= 2078÷79 k'g:yf{lkt cf=j=    

2077÷78
-s_ ;~rfng ultljlwaf^ gub k|jfx
Jofh cfDbfgL 911,738,495.02 633,775,651.05        

cGo ;~rfng cfDbfgL 32,291,487.87 36,038,487.18        

Jofh vr{ -512,900,664.00_ -380,010,779.66_          

sd{rf/L vr{   -68,739,383.25_ -49,393,808.07_            

cGo vr{ e'QmfgL -48,790,250.46_ -33,326,740.60_          

kl/rfng ;DklQ / bfloTjx¿df kl/jt{g x'g' cl#

 

313,599,685.18 207,082,809.90      

;~rfng gub k|jfx        

kl/rfng ;DklQdf -j[l$_/ sdL

     

cGo Jofkfl/s ;DklQ 1,074,480.49 7,395,107.02          

shf{ tyf ;fk^ -1,412,329,752.83_ -1,836,261,899.22_

             

cGo ;DklQ 3,178,577.02 10,906,871.34        

kl/rfng bfloTjdf -j[l$_/sdL

     

lgIf]k bfloTj 438,889,160.71 1,941,122,269.05

           

cGo JoFkFl/s bFloTj 4,230,881.42 -1,570,069.52_          

sd{rf/Lsf] nflu kl/eflift nfe bfloTj   -17,471,753.47_ -16,350,129.20_              

cGo bFloTj 4,345,816.65 -3,671,931.92_        

s/ ltg{' cl# ;~rfng ultljlwx¿af^ v'b gub k|jfx

    -664,482,904.83_ 308,653,027.45        

cfo s/ e'QmfgL -13,873,826.47_ -16,433,585.12_          

;~rfng ultljlwx¿af^ v'b gub k|jfx -678,356,731.30_ 292,219,442.33        

-v_ nufgL ultljlwx¿af^ gub k|jfx

nufgLdf -j[$L_ Xf; -320,152,400.00_ -20,100.00_        

l:y/ ;DklQ lalqm -vl/b_   -28,660,200.68_ -12,532,165.77_

           

nufgL ultljlwaf^ gub k|jfx -348,812,600.68_ -12,552,265.77_        

-u_ ljQLo ultljlwaf^ gub k|jfx

;]o/ k'“hLdf a[$L   222,809,900.00 176,694,700.00            

hu]*fsf]ifdf a[$L –   –    

hf]lvd a]xf]g{] sf]ifdf ;dfof]hg   – –           

cGo sf]if af^ e'QfgL ;dfof]hg -89,676,369.37_ -76,937,190.68_            

ljQLo ultljlwaf^ gub k|jfx -u_ 133,133,530.63 99,757,509.32        

v'b gub k|jfx -s_ ± -v_ ± -u_ -894,035,801.35_ 379,424,684.65        

gub tyf a}+ssf] z'? Dff}Hbft 1,976,217,858.71 1,596,793,174.06

                 

gub tyf a}+ssf] clGtd Dff}Hbft 1,082,182,057.36 1,976,217,858.71

                 

cfhsf] ldltsf] xfd|f] k|ltj]bgsf] cfwf/df            

dfwjk|;fb kf}8]n sflnbfz uf}8]n sdn ;'j]bL cf]d k|;fb ;fksf]6f

   ;L=P= clgn hf]zL            

k|d'v clws[t sf]iffWoIf ;+of]hs cWoIf ;fem]bf/          

n]vf ;'kl/j]If0f ;ldlt s'j]/ Pg\+ e§/fO{ P08 s+=              

rf6{8{ PsfpG6]G6\;      

ldltM @)&(÷)^÷)^ :yfg M sf7df8f}F .    

xfd|f] nIo  

v'Pjd\;L 103
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

ljs" art tyf C0f

OlSj6Ldf ePsf]  

2078 ;fn >fj)f 1 ut]b]lv    

ljj/)f   k'+hLsf]if   lgodgsf/L sf]if     ;+lrt d'gfkmf hu]*f sf]if     ;]o/ nfef+; sf]if
     

z'?sf] df}Hbft 2077=04=01

    509,811,700.00   –   – 330,307,689.63 60,781,779.00
       

n]vf gLltdf ePsf] kl/jt{gsf] c;/

            11,230,758.90     – -561,537.98_  

z'?sf] df}Hbft 2077=78 sf]

      509,811,700.00 11,230,758.90
        – 330,307,689.63 60,220,241.02
       

2077=78
z'?sf] df}Hbft     509,811,700.00 11,230,758.90
        – 330,307,689.63 60,220,241.02
       

n]vf gLltdf ePsf] kl/jt{gsf] c;/

           

kl/jlt{t df}Hbft
     

r'Qmfk'+hL yk /-lkmt{f_     176,694,700.00

   

;DklQdf ePsf] k"gfd{'n\of+sg    

sf]ifaf^ ePsf] e'QmfgL tyf vr{

      -60,781,778.63_    

ljleGg sf]ifsf] ;dfof]hg       -2,113,983.90_

  2,834,568.37 38,597,878.30 -720,584.47_
           

o; cf= j= sf] gfkmf   163,143,756.52    

o; cf= j= sf] gfkmf af+*kmf+*   -165,978,324.89_ 41,494,581.22 64,918,272.32            

clGtd df}Hbft cfiff( d;fGt   686,506,400.00     9,116,775.00   – 410,400,149.15 63,636,150.24

         

2078=79
z'?sf] df}Hbft 2078=04=01
    686,506,400.00
    9,116,775.00
    – 410,400,149.15    63,636,150.24    

n]vf gLltdf ePsf] kl/jt{gsf] c;/

           

kl/jlt{t df}Hbft
     

r'Qmfk'+hL yk / -lkmt{f_     222,809,900.00

   

;DklQdf ePsf] k"gfd{'n\of+sg     37,348,121.79    

sf]ifaf^ ePsf] e'QmfgL tyf vr{

      -102,266,394.27_    

ljleGg sf]ifsf] ;dfof]hg       21,411,251.06     9,762,163.37 -21,411,251.06_       

o; cf= j= sf] gfkmf   245,242,318.37    

o; cf= j= sf] gfkmf af+*kmf+*   -245,242,318.37_ 61,310,579.59 95,920,401.77            

clGtd df}Hbft cfiff( d;fGt   909,316,300.00 30,528,026.06

    – 481,472,892.12 73,227,028.48
           

dfwjk|;fb kf}8]n sflnbfz uf}8]n sdn ;'j]bL

         

k|d'v clws[t sf]iffWoIf ;+of]hs      

n]vf ;'kl/j]If0f ;ldlt      

ldltM @)&(÷)^÷)^

xfd|f] nIo  

104 v'Pjd\;L
:;b:
j:oy  
 

 
 
 
 
 ;a}sf] klxnf] /f]hfO          

jflif{s k|ltj]bg    

;xsf/L ;+:yf ln=    

kl/jt{g;DaGwL ljj/0f      

2079 ;fn cfiff( 32 ut];Ddsf]    

;+/lIfTf k"+hL ;xsf/L lzIff ;xsf/L k|jw{g

l:y/Ls/)f sf]if #f^f k"lt{ sf]if cGo sf]ifx¿ hDdf
       

lkmt{f sf]if sf]if sf]if

             

       

29,137,957.00 4,341,556.00 4,341,556.00

  582,759.00 4,341,556.00 20,057,498.00 963,704,050.63
                       

– 10,669,220.92    

29,137,957.00 4,341,556.00 4,341,556.00

  582,759.00 4,341,556.00 20,057,498.00 974,373,271.55
                       

–
29,137,957.00 4,341,556.00 4,341,556.00
  582,759.00 4,341,556.00 20,057,498.00 974,373,271.55
                       

–
–
176,694,700.00    

–
-60,781,778.63_    

-29,137,957.23_ -4,341,555.52_ -4,341,555.52_

    -4,341,555.52_ -12,590,666.56_ -16,155,412.05_                    

163,143,756.52    

31,120,935.92 4,637,019.45 4,637,019.45

  622,418.72 4,637,019.45 13,911,058.35
  –                  

31,120,935.69 4,637,019.93 4,637,019.93 1,205,177.72 4,637,019.93 21,377,889.79 1,237,274,537.39

                             

31,120,935.69     4,637,019.93     4,637,019.93     1,205,177.72

    4,637,019.93 21,377,889.79 1,237,274,537.39
             

–
–
222,809,900.00    

37,348,121.79    

-34,264,583.77_
    -4,637,019.93_
    3,906,676.86 -137,261,321.11_        

94,833.93   27,453.27   36,984.41 315,394.97 10,236,829.95       

245,242,318.37    

45,982,934.69 6,851,457.27 6,851,457.27

            919,658.69   6,851,457.27 20,554,371.81
  –      

42,839,286.61 11,583,311.13 6,851,457.27

            2,152,289.68
    11,525,461.61 46,154,333.43 1,615,650,386.39
             

cfhsf] ldltsf] xfd|f] k|ltj]bgsf] cfwf/df            

cf]d k|;fb ;fksf]6f     ;L=P= clgn hf]zL  

cWoIf ;fem]bf/    

s'j]/ Pg\+ e§/fO{ P08 s+=

       

rf6{8{ PsfpG6]G6\;      

:yfg M sf7df8f}F .
   

xfd|f] nIo  

v'Pjd\;L 105
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

;+:yf ;~rfngsf df}h'bf gLlt tyf sfo{ljlwx¿

     

1= lgjf{rg lgodfjnL  

2= art gLlt
3= C0f Joj:yfkg gLlt  

4= cfly{s gLlt  

5= dfgjLo ;|f]t Joj:yfkg gLlt    

6= ;'zf;g gLlt
7= cGt/ nufgL gLlt  

8= efvf gf3]sf] C0f Joj:yfkg gLlt      

9= hf]lvd Joj:yfkg gLlt

   

10= afx\o C0f ;fk6L gLlt

11= C0f ckn]vg gLlt  

12= uNtL Joj:yfkg gLlt  

13= ;"rgf k|ljlw gLlt

14= ;]jf s]Gb| ;~rfng gLlt
   

15= ;jf/L ;fwg ;~rfng tyf Joj:yfkg gLlt

   

16= 5fqj[lQ ;~rfng sfo{ljlw    

17= C0f nufgL sfo{ljlw  

18= ;b:otf k|bfg sfo{ljlw

   

19= a}7s ;~rfng sfo{ljlw

   

20= e'QmfgL sfo{ljlw  

21= ;b:o /fxt sf]if ;~rfng sfo{ljlw

       

22= of]hgf tyf ah]6 sfo{ljlw

     

23= jflif{s ;fwf/0f ;ef ;~rfng sfo{ljlw

     

24= gofF art of]hgf ;~rfng sfo{ljlw    

25= ;dLIff a}7s ;~rfng sfo{ljlw    

26= dfl;s pTs[i6 ;b:o 5gf}6 sfo{ljlw        

27= ljs" /fli6«o ;xsfl/tf k'/:sf/ ;~rfng sfo{ljlw            

28= cltl/Qm ;do ;]jf ;~rfng sfo{ljlw      

xfd|f] nIo 

106 v'Pjd\;L
:;b:
j:oy
 
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

29= k'/fgf sfuhft lj;h{g sfo{ljlw

     

30= df]afOn 6]n/ ;~rfng sfo{ljlw

       

31= sf]if kl/rfng sfo{ljlw      

32= tflnd ;~rfng tyf Joj:yfkg sfo{ljlw    

33= ;DklQ ;fdfg vl/b tyf laqmL sfo{ljlw    

34= :s'n :s'ndf ljs" sfo{qmd ;~rfng sfo{ljlw

       

35= df]afOn kmf]g Joj:yfkg sfo{ljlw

       

36= /]ld6 sf/f]af/ ;~rfng ;DaGwL sfo{ljlw

           

37= d;nGb ;fdu|L vl/b ;DaGwL sfo{ljlw    

38= ;lrjfno ;~rfng ;DaGwL sfo{ljlw  

39= u}/ ljQLo ;]jf ;~rfng ;DaGwL sfo{ljlw

       

40= ;'/Iff ;xof]uL Joj:yfkg sfo{ljlw        

41= 6]n/ Joj:yfkg ;DaGwL sfo{ljlw

       

42= ;b:o ;]jf ;DaGwL sfo{ljlw      

43= C0f c;'nL ;DaGwL dfu{lgb]{lzsf      

44= ;~rfns ;ldlt cfrf/;+lxtf  

45= sd{rf/L cfrf/;+lxtf      

46= ;+:yfut gLlt  

47= cGt/ nufgL lgb{]lzsf      

48= gub tyf a}+s ;~rfng sfo{ljlw    

49= ;DklQ z'4Ls/0f gLlt  

50= kf]zfs tyf klx/g Joj:yfkg gLlt

     

51= ljB'tLo k|ljlw a}7s ;~rfng sfo{ljlw    

52= PsLs/0f ;DaGwL gLlt  

53= ;b:otf gLlt  

54= dxfdf/Ldf C0f Joj:yfkg ;DaGwL sfo{ljlw      

55= /fxt tyf ;xof]u sfo{ljlw

     

56= ;fwf/0f ;ef ;~rfng ;DaGwL sfo{ljlw    

57= PsLs[t art -lgIf]k_ gLlt    

58= ;fgf] gubL sf]if ;~rfng sfo{ljlw

59= Pl6Pd ;~rfng sfo{ljlw

xfd|f] nIo  

v'Pjd\;L 107
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

;+:yfdf xfn lqmofzLn ljleGg pk;ldltx¿

 

C0f pk–;ldlt
;+of]hs   M >L sflnbfz uf}8]n    

;b:o   M >L efg'eQm nfld5fg]  

;b:o   M >L z]ifsfGt sf]O/fnf

     

lzIff pk–;ldlt
;+of]hs
  M >L v8\uaxfb'/ sdfn  

;b:o   M >L sflzgfy kf]v|]n    

;b:o   M >L k|sfz cfrfo{  

;b:o   M >L zflns/fd kf]v|]n      

;b:o   M >L zlzw/ s+8]n    

k'FhL j[l4 pk–;ldlt

 

;+of]hs   M >L od'gfy cfrfo{  

;b:o   M >L a'l4k|;fb ;fksf]6f  

;b:o   M >L k|sfz la=s

;b:o   M >L 3gZofd k/fh'nL  

;b:o   M >L 6Lsf/fd ;fksf]6f    

;b:o   M >L tf/fklt v/]n      

;b:o   M >L zflns/fd l3ld/]      

;b:o   M >L zf]efv/ l/dfn     

;b:o   M >L af]w/fh u}/]

         

o'jf kl/rfng pk–;ldlt

 

;+of]hs   M >L uf]ljGb s+8]n

   

pk–;+of]hs   M >L uf]laGbk|;fb nfld5fg]

   

;b:o   M >L OZj/ kf}8]n      

;b:o   M >L OGb|Hof]lt kf]v|]n      

;b:o   M >L lIflth cfrfo{  

;b:o   M >L lbg]z zdf{    

;b:o   M >L xl/k|;fb ;fksf]6f   

;b:o   M >L ladn l/hfn  

xfd|f] nIo 

108 v'Pjd\;L
:;b:
j:oy
 
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

;b:o   M >L n]v/fh ;fksf]6f      

;b:o   M >L Zofd jg

;b:o   M >L k|]dnfn v/]n     

;b:o   M >L ljj]s Gof}kfg]      

;b:o   M >L k/d]z cfrfo{      

;b:o   M >L /fh]z lu/L

     

;b:o   M >L 6]saxfb'/ u'?Ë

   

;b:o   M >L l;tf/fd s'Fj/    

dlxnf ;zQmLs/0f pk–;ldlt

 

;+of]hs
  M >L ;lagf dxtf]  

pk–;+of]hs   M >L dxfb]jL s§]n    

;b:o   M >L ;+lutf a/fn ;fksf]6f    

;b:o   M >L ;Gh' yg]t  

;b:o   M >L ltyf{ sf]O/fnf      

;b:o   M >L b'uf{ kf08]    

;b:o   M >L l;tf l/dfn  

;b:o   M >L ;/:jtL Gof}kfg]        

;b:o   M >L l;tf yg]t  

;b:o   M >L OGb' l/hfn l3ld/]      

;b:o   M >L lgd{nf s+8]n    

;b:o   M >L snfjtL a:g]t    

;b:o   M >L uf]df v08n's  

;b:o   M >L d'gf e';fn

;b:o   M >L /dfb]jL sf]O/fnf
       

;b:o   M >L hd'gfb]jL kf}8]n      

;b:otf k|j4{g pk–;ldlt

   

;+of]hs
  M >L k'ik/fh a/fn    

;b:o   M >L lr/GhLlj sfˆn]    

;b:o   M >L emns/fh kf}8]n      

;b:o   M >L /fdzdf{ nfld5fg]

     

;b:o   M >L lednfn kf08]  

;b:o   M >L ledaxfb'/ s]=;L    

xfd|f] nIo  

v'Pjd\;L 109
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

;b:o   M >L l8n'k|;fb uf}8]n    

;b:o   M >L rGb|k|;fb k/fh'nL  

;b:o   M >L xf]d/fh kf]v|]n

       

s]Gb|Lo ;]jf s]Gb| Joj:yfkg pk–;ldlt

       

;+of]hs
  M >L uf]kfnk|;fb ;fksf]6f    

pk–;+of]hs M >L lbngfy lqkf7L

 

;b:o M >L e'ldZj/ ;fksf]6f

     

;b:o M >L nId0f rfkfufO{

   

;b:o M >L w|'j Go'/]

     

;b:o M >L sdnf uf}td

   

;b:o M >L xl/snf lu/L

     

sfnLu08sL ;]jf s]Gb| Joj:yfkg pk–;ldlt      

;+of]hs   M >L xl/k|;fb ;fksf]6f    

pk–;+of]hs M >L afdb]j l3ld/]

       

;b:o M >L s[i0fk|;fb aufn]

     

;b:o M >L ob'gfy ;fksf]6f

   

;b:o M >L /fh]Zj/ l;Ub]n

         

;b:o M >L ;l/tf vgfn

   

;b:o M >L ;Ltfb]jL k'g

   

e}+;fvf]/L ;]jf s]Gb| Joj:yfkg pk–;ldlt            

;+of]hs   M >L rGb|bQ h}+;L  

pk–;+of]hs M >L tf]ofaxfb'/ yfkf

     

;b:o M >L x'ds'df/L dxtf]

     

;b:o M >L s[i0fk|;fb ;fksf]6f

     

;b:o M >L odsnf kf08]

   

;b:o M >L ljgf]bs'df/ >]i7

       

;b:o M >L o1k|;fb ;'j]bL

   

xs{k"/ ;]jf s]Gb| Joj:yfkg pk–;ldlt          

;+of]hs   M >L an/fd pkfWofo  

pk–;+of]hs M >L u'?bQ ;'j]bL

   

;b:o M >L nLnf 9'ª\ufgf clwsf/L

   

;b:o M >L u'¿k|;fb kf}8]n

     

xfd|f] nIo 

110 v'Pjd\;L
:;b:
j:oy
 
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

;b:o   M >L lty{/fh yg]t      

;b:o   M >L huGgfy kf}8]n    

;b:o   M >L rDkfdNn 7s'/L  

dfnk'/ dl6s'/L ;d"xJoj:yfkg pk–;ldlt

     

;+of]hs
  M >L v]ds'df/L yg]t      

pk–;+of]hs M >L ;ljtf cfrfo{ cfn]

     

;b:o   M >L lhts'df/L dxtf]    

;b:o   M >L km"ndfof dxtf]  

;b:o   M >L >Lsnf yfkf

;b:o   M >L a]nLdfof yg]t    

;b:oM   M >L zf]ef dxtf]    

cd/fk'/L ;]jf s]Gb| Joj:yfkg pk–;ldlt          

;+of]hs
  M >L ;'/]Gb| ltjf/L      

pk–;+of]hs M >L k|]dk|;fb ;'j]bL

     

;b:o   M >L dxfzdf{ Gof}kfg]      

;b:o   M >L /fdhL l3ld/]      

;b:o   M >L lbg]z b]jsf]6f      

;b:o   M >L afUdtL ;fksf]6f  

;b:o   M >L pdf ;fksf]6f  

sfjf;f]tL ;]jf s]Gb| Joj:yfkg pk–;ldlt        

;+of]hs
  M >L b'uf{ 9'ª\ufgf  

pk–;+of]hs M >L x]d/fh dxtf]       

;b:o   M >L ef]h/fh aufn] /]UdL          

;b:o   M >L ?b|k|;fb ;fksf]6f  

;b:o   M >L hoeb| ;fksf]6f  

;b:o   M >L k|]dgf/fo0f zdf{      

;b:o   M >L lg/hs'df/ k'g    

>Lu0f]z ;]jf s]Gb| Joj:yfkg pk–;ldlt        

;+of]hs
  M >L jL/axfb'/ s'dfn    

pk–;+of]hs M >L lgd' lu/L    

;b:o   M >L eujfg u}/]      

;b:o   M >L /Tgdfof yg]t    

xfd|f] nIo  

v'Pjd\;L 111
:;b:
j:oy  
 

 
 
 
 
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;a}sf] klxnf] /f]hfO
         

;b:o   M >L rl08snf a+lz

;b:o   M >L l8naxfb'/ cfn]    

;b:o   M >L afa'/fd nD;fn  

/hx/ ;]jf s]Gb| Joj:yfkg pk–;ldlt

         

;+of]hs   M >L kljGb| lh=;L=

pk–;+of]hs M >L e'kfnaxfb'/ clwsf/L
     

;b:o M >L s]z/axfb'/ If]qL

         

;b:o M >L 6f]kaxfb'/ ;]g 7s'/L

         

;b:o M >L hfgsL b]lj u'/f}

       

;b:o M >L nf]saxfb'/ sfsL{ If]qL

         

;b:o M >L clgtf Gof}kfg] clwsf/L

       

lxdls/0f ;]jf s]Gb| Joj:yfkg pk–;ldlt        

;+of]hs   M >L ?dfsfGt kf08]  

pk–;+of]hs M >L ejfgLk|;fb a:ofn

   

;b:o M >L 6f]knfn sfˆn]

     

;b:o M >L odgf/fo0f dxtf]

     

;b:o M >L l;tf 9'Ëfgf

 

;b:o M >L l8NnL/fd Gof}kfg]

       

;b:o M >L ef]hs'df/L dxtf]

       

;b:o M >L u'gaxfb'/ yg]t

     

;b:o M >L e"klt e§/fO{

     

gjn'lDjgL ;]jf s]Gb| Joj:yfkg pk–;ldlt      

;+of]hs   M >L u0f]zdfg dxtf]    

pk–;+of]hs M >L a;Gt/fh lu/L

     

;b:o M >L hfgs'df/L dxtf]

     

;b:o M >L ;flaqL k'/L

   

;b:o M >L lbkf u'/f}

     

;b:o M >L n'/gf/fo0f dxtf]

       

;b:o M >L lrqaxfb'/ 3tL{ If]qL

       

;b:o M >L lutf/fd e'iffn

   

;b:o M >L hLtgf/fo0f dxtf] yf?

     

xfd|f] nIo 

112 v'Pjd\;L
:;b:
j:oy
 
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

rf]/df/f ;]jf s]Gb| Joj:yfkg pk–;ldlt

           

;+of]hs
  M >L s]bf/k|;fb k/fh'nL      

pk–;+of]hs M >L s'Dal;+x yfkf

 

;b:o   M >L hgss'df/ s]=;L=    

;b:o   M >L b]jnfn sfˆn]    

;b:o   M >L cd[tf e08f/L    

;b:o   M >L vuL;/f v/fn    

;b:o   M >L 7fs'/k|;fb kf08]    

;b:o   M >L Zofds'df/ k|wfg  

;b:o   M >L nIdL Gof}kfg]    

d]nldnfk ;]jf s]Gb| Joj:yfkg pk–;ldlt        

;+of]hs
  M >L wgafxb'/ lrtf}/]        

pk–;+of]hs M >L zDe'k|;fb ltjf/L

   

;b:o   M >L lji0f'k|;fb kf]v|]n    

;b:o   M >L cf]daxfb'/ yfkf    

;b:o   M >L j;'Gw/L s'Fj/    

;b:o   M >L lji0f'xl/ clwsf/L    

;b:o   M >L dfof u'?ª

;b:o   M >L ?df ;'gf/L du/    

;b:o   M >L b]j;/f k'nfdL    

bnbn] ;]jf s]Gb| Joj:yfkg pk–;ldlt        

;+of]hs
  M >L t]hk|;fb Gof}kfg]      

pk–;+of]hs M >L rf]sgf/fo0f e';fn

     

;b:o   M >L lji0f'k|;fb Gof}kfg]    

;b:o   M >L ;~ho s'Fj/ If]qL    

;b:o   M >L s[i0ff e§/fO{      

;b:o   M >L /f]zg kf}8]n        

;b:o   M >L xl/nfn ;fksf]6f    

k|ultgu/ ;]jf s]Gb| Joj:yfkg pk–;ldlt        

;+of]hs M >L b]jLk|;fb vgfn

   

pk–;+of]hs M >L lzjnfn u}/]        

;b:o   M >L s]z/ cfn]      

xfd|f] nIo  

v'Pjd\;L 113
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

;b:o   M >L ;'o{k|;fb cfrfo{    

;b:o   M >L /fdk|;fb uf}td

   

;b:o   M >L /fdk|;fb l/hfn

   

;b:o   M >L ;/:jtL clwsf/L      

ul/df ;]jf s]Gb| Joj:yfkg pk–;ldlt

       

;+of]hs   M >L ;fg' e'iffn

pk–;+of]hs   M >L uf}dfof u'?Ë
 

;b:o   M >L uLtf yfkf

;b:o   M >L u+uf yfkf
;b:o   M >L lvdf /fgf  

;b:o   M >L rf]sdfof u'?Ë  

;b:o   M >L pld{nf ;]/k'hf      

gjhfu/0f ;]jf s]Gb| Joj:yfkg pk–;ldlt        

;+of]hs   M >L xl/k|;fb ;fksf]6f    

pk–;+of]hs M >L 5ljnfn ;fksf]6f

   

;b:o M >L e"ldZj/ ;fksf]6f

     

;b:o M >L kLtfDa/ ;fksf]6f

     

;b:o M >L ejfgLz+s/ s+8]n

     

;b:o M >L lgzf ;fksf]6f

   

;b:o M >L /fdrGb| ;fksf]6f

     

;b:o M >L 7'df ;fksf]6f

   

lbofnf] ;]jf s]Gb| Joj:yfkg pk–;ldlt        

;+of]hs   M >L k"0f{axfb'/ >]i7      

pk–;+of]hs M >L df};dnfn u'Ktf

   

;b:o M >L ;fljqL 9sfn

 

;b:o M >L /fs]zs'df/ sdf{rfo{

           

;b:o M >L z+s/k|;fb ;'j]bL

     

;b:o M >L eb|axfb'/ sF'j/

     

;b:o M >L /ljs'df/ k|wfg

     

;b:o M >L sdnf yfkf

 

;b:o M >L dl0feb| s+8]n

   

;b:o M >L lg/hs'df/ >]i7

       

;b:o M >L nIdL l;Ub]n

   

xfd|f] nIo 

114 v'Pjd\;L
:;b:
j:oy
 
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

hgsNof0f ;]jf s]Gb| Joj:yfkg pk–;ldlt

     

;+of]hs
  M >L u0f]zdfg >]i7    

pk–;+of]hs M >L od'gf e'iffn 

;b:o  M >L dx]Zj/ e';fn    

;b:o  M >L afns[i0f e';fn  

;b:o  M >L u0f]zk|;fb clwsf/L    

;b:o  M >L snf e'h]n  

;b:o  M >L /fdb]j dxf;]7      

;b:o  M >L eujfg lu/L  

;b:o  M >L ltns'df/L s'dfn  

;b:o  M >L ¿kf bhL{  

c¿0fvf]nf ;]jf s]Gb| Joj:yfkg pk–;ldlt        

;+of]hs
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pk–;+of]hs M >L elu/y sfˆn]      

;b:o  M >L SofK6]g 6f]naxfb'/ /fgf        

;b:o  M >L ltnaxfb'/ em]8L    

;b:o  M >L df]xg e";fn  

;b:o  M >L sdnf cfn]  

;b:o  M >L k|sfz 9sfn

z/buf}/L ;]jf s]Gb| Joj:yfkg pk–;ldlt            

;+of]hs
  M >L dgf]xl/ sF8]n      

pk–;+of]hs M >L pdfgGb sF8]n   

;b:o  M >L sdnfs'df/L e08f/L    

;b:o  M >L /fdrGb| b]jsf]6f      

;b:o  M >L Ps/fh sF8]n    

;b:o  M >L lzjk|;fb l3ld/]    

;b:o  M >L x'dgfy 9sfn

;b:o  M >L uf}/fb]jL e';fn      

;b:o  M >L g]qnfn nD;fn  

xfd|f] nIo  

v'Pjd\;L 115
:;b:
j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

k"hf ;]jf s]Gb| Joj:yfkg pk–;ldlt

     

;+of]hs
  M >L ;bfgGb pkfWofo
;x ;+of]hs   M >L a'l4k|;fb b]jsf]6f    

;b:o   M >L t'N;Lk|;fb b]jsf]6f    

;b:o   M >L a;Gts'df/ b]jsf]6f      

;b:o   M >L cl:dtf a:g]t      

;b:o   M >L xl/nfn lu/L    

;b:o   M >L lzjk|;fb kf}8]n    

;b:o   M >L e/t cfrfo{    

sf]Nx'jf ;]jf s]Gb| Joj:yfkg pk–;ldlt

       

;+of]hs
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;x ;+of]hs   M >L 5ljnfn g]kfn  

;b:o   M >L k"0f{snf rf}w/L      

;b:o   M >L vu/fh Gof}kfg]      

;b:o   M >L uLtf e'iffn

;b:o   M >L l8lNn/fd yg]t    

;b:o   M >L e]if/fh Gof}kfg]

       

;b:o   M >L g'gf/fo0f dxtf]    

;b:o   M >L xl/axfb'/ /fO{        

:jfut ;]jf s]Gb| Joj:yfkg pk–;ldlt

       

;+of]hs   M >L uf]s'nk|;fb e§

 

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;b:o   M >L /fdrGb| b'jf8L

 

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xfd|f] nIo 

116 v'Pjd\;L
:;b:
j:oy
 
 

 
 
 
 
;a}sf] klxnf] /f]hfO
         

jflif{s k|ltj]bg
   

ASIAN CONFEDERATION
OF CREDIT UNIONS

BANGKOK DECLARATION 2022

No. 1 No. 4 No. 7
FOCUS on holistic financial ELEVATE the quality and
FOSTER an innovation-
wellness for members and identity of credit unions by
supportive climate
employees rather than just adopting ACCESS standards
stewardship culture by
financial literacy by offering as a self-regulation and
institutionalizing an
holistic support and advice mandatory risk-based
awareness-raising program for
so they can meet short-term supervision for credit unions.
members and climate lens in
all aspects of operations and needs while working toward
financial services of credit long-range financial goals. No. 8
unions to manage the impacts HEIGHTEN the credit union's
of climate change, enhance role as members' trusted
wealth creation advisor by
No. 5
 

adaptive capacity, and reduce

offering only wealth-building
 

overall vulnerability. DEEPEN outreach by

products and services that
implementing a sustainable
help members reach their
Credit Union Microfinance
financial independence.
No. 2 Innovation Program focusing
BUILD the resilience of credit on men and women, the
No. 9
 

unions and the cooperative disadvantaged and other

financial sector to avert, act,    
marginalized groups in the EMBRACE intergenerational
recuperate, absorb, and adapt    
community to manifest solidarity that requires
to shocks and disruptions by commitment and participation leaders and employees of all
instituting a risk management in achieving SDG Goal 1 generations to sustain the
culture to achieve at least 10% devotion to the cooperative
Institutional Capital. values and principles of people
No. 6 helping people. In so doing, we
 

CREATE job opportunities for commit to reeducate ourselves

No. 3 members by institutionalizing through the Leadership
CONTRIBUTE to the Business Development Bootcamp to deepen our sense
digitalization of financial Services that provide of mission as we pass the
cooperatives that can professional, high-quality, baton to the next generation of
leaders.
   

further boost innovation and individualized business

entrepreneurship and support advising and technical
a transition to inclusive, assistance to members with No. 10
GET INVOLVED actively in the
 

low-cost, low-carbon financial existing small businesses and

development of integration
 

services. pre-venture enterprises.

strategies, providing timely
 

feedback on the achievements

ONE VOICE, ONE FAMILY
 

and challenges of integration.

xfd|f] nIo  

v'Pjd\;L 117
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j:oy  
 

 
 
 
 
jflif{s k|ltj]bg
   
;a}sf] klxnf] /f]hfO
         

Marketing Strategy Development of VYCCU

Member Market Competition

Analysis Analysis Analysis

Distribution
Developing the
Channel Review
Marketing MIX
& Choice

Evaluating
The Economics

Going Back
& Revision

MIX
n Product
n Price
n Place
n Promotion

xfd|f] nIo 

118 v'Pjd\;L
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jflif{s k|ltj]bg
   

xfd|f] nIo  

v'Pjd\;L 119
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;a}sf] klxnf] /f]hfO
         

xfd|f] nIo 

120 v'Pjd\;L
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