Qrbja anj Fssub

Efwn Kbsbcntnj
 

Q]BJ ANJ FPPRB

KBPBCNQNJ EFWN AF
FJAIJBPFN

PQFGDN
GNJGGRNJ EFWN
 

KBPBCNQNJ
(WCI)
Kbsbcntnj nanlnc kijafsf sbcnt hfsfk, dbjtnl, sisfnl anj spfrftunl, muknj cnjyn
 mbmns anrf snkft anj `n`nt (Cbnltc fs n stntb ih `idplbtb psysf`nl, dbjtnl, si`fnl
nja spfrftunl wbllmbfjg nja jit dbrbly tcb nmsbj`b ih afsbnsb ir fjhfrdfty
Kbsbcntnj5
 Hfsfk (mfiligf)
 Dbjtnl 
 Pisfnl


Ppfrftunl
Qfank cnjyn tfank snkft anj tfank `n`nt

QFANK NAN KBPBCNQNJ QNJ_N KBPBCNQNJ EFWN

(JI CBNLQC WFQCIRQ DBJQNL CBNLQC)

 

KBPBCNQNJ EFWN
(DBJQNL CBNLQC)

Kbsbcntnj efwn dbrupnknj kidpijbj pbjtfjg pnan abhfjfsf sbcnt WCI

Pbcnt efwn dbdndpuknj fjafvfau

 Dbjynanrf pitbjsfjyn
 Dbjgntnsf strbs anlnd kbcfaupnjjyn

 Mbkbren priauktfh
Mbrkijtrfmusf pnan dnsynrnknt
 

QN]GBQ _BLNVNJNJ
KBPBCNQNJ EFWN5
]BJQNJG PBCNQ-]FPFKI-PNKFQ
PBCNQ-]FPFKI-PNKFQ
 Kblunrgn
 

PBCNQ EFWN

CNDFL
MNVF
KNJNK-KNJNK 
NJNK _]N PBKILNC
NJNK PBKILNC
]BDNEN
ABWNPN
LNJERQ RPFN
 

Kblunrgn
]fsfki IAGE

  DNPNLNC HFPFK 
Pnkft
Anrnc tfjggf, Afnmbt, Enjtujg, QM@, Ptrikb, Gfjenl, ]bdntfk, Kbcflnjgnj

njggitn tumuc, Kurnjg gfzf, anj sbdun snkft hfsfk 

FmuCndfl
Fmu cndfl anj Fmu dblncfrknj

DNPNLNC PIPFNL
_bkbrennj
_CK, Kbcflnjgnj cnrtn mbjan, Bkijidf kurnjg
]Q
Kbcflnjgnj (dbjfjggnl) njggitn kblunrgn, KA]Q
CumPIP
Kijhlfk

DNPNLNC DBJQNL
Kcnwntfr, Gnlnu
 

Kblunrgn
abjgnj IAGE

>.Pbafc Mbrkbpnjenjgnj
=.Mbrkurnjg kbdndpunj cfaup sbcnrf-cnrf
0.Dbjuruj ditfvnsf ujtuk dblnkuknj kbgfntnj
1.Dnrnc ‐ dnrnc tnjpn sbmnm
2.Mf`nrn anj tbrtnwn sbjafrf
8.Dbjybjafrf / dbjgurujg afrf af kndnr 
7.Qfank dnu mbrgnul
3.Qfank dbdpbrcntfknj kbmbrsfcnj afrf
6.Fjgfj mujuc afrf
 

>.>. Kbmutucnj anj Dnsnlnc

Kbsbcntnj Efwn
AF FJAIJBPFN
 
Dnsnlnc Kbsbcntnj Efwn
af Fjaijbsfn
JI GNJGGRNJ EFWN _]BXNLBJPF

]fskbsans ]fskbsans _NPRJG

(]fskbsans
=??7 =?>0 =?>0)
> IAGE Mbrnt
?.18% ?.>7% >1.0%

= IAGE ]fjgnj (GDB)

>>.8% 8.?%

IAGE =?>0
QB
KB]AQRFN
JGGF JI 5>PRLPBL
5 N@BC ANJ EIG
5 ?V.=
N8% 5 ?
?..=7%
KBQFGN 5 ENQBJG ANJ MNLF 5 ?.=0%
 

DNPNLNC KBPBCNQNJ EFWN

 AF FJAIJBPFN
JI XN]FNMBL ERDLNC

> _bjauauk  
=2? eutn
= IAGE ]fjgnj/GDB (8%)
>2 eutn irg
0 IAGE M
Mbbrnt (?.>7%)
1=2 rfmu irg
1 _nsujg (>1.0%)

8? rfmu irg
 
        >
        =
        /
        0
        ?
        /

Pbcnt         >
        >

IADK/]fsfki IAGE
]fjgnj/GDB
>2 et

IAGE Mbrnt
1=2 rfmu

_ridisf _nsujg 8? rfmu

Kurntfh &
_bj`bgncnj ]bcnmflftnsf

Kurntfh 
 Dnsnlnc Kbsbcntnj Efwn Fjaijbsfn (]fskbsans =?>0) >=
 
        >
        =

R_NVN _]IDIPF
        /
        0
        ?
        /
        >
        >

KBPBCNQNJ EFWN RJQRK KBLID_IK PBCNQ

RPFN _]IDIPF KB
KBPBCNQNJ QBD_NQ
EFWN
MRDFL QKQ FMR CNDFL _IPVNJAR MRDFL
Kbsbcntnj Dbjtnl Fmu Cndfl APPE/_RPKBPDNP
_brsfnpnj Dbjenaf Irnjg Qun ]PR/]PE

MNVF QKQ MNVF _IPVNJAR

Ptfdulnsf _brkbdmnjgnj APPE/_RPKBPDNP
_iln Nsuc ]PR/]PE

KNJNK QKQ KNJNK-KNJNK  _IPVNJAR

Ptfdulnsf _brkbdmnjgnj APPE/_RPKBPDNP
= _iln Nsuc _NRA, QK, RKP EFWN
]PR
QKQ N_]NP _IPVNJAR
N_]NP Ptfdulnsf _brkbdmnjgnj APPE/_RPKBPDNP
_iln Nsuc _NRA, QK, RKP EFWN
 >0
]PR
 
        >
        =
        /
        0

R_NVN _]IDIPF
        ?
        /
        >
        >

KBPBCNQNJ EFWN RJQRK KBLID_IK PBCNQ

RPFN _]IDIPF KBPBCNQNJ EFWN QBD_NQ
NJNK QKQ RPFN PBKILNC APPE/_RPKBPDNP
PBKILNC Ptfdulnsf _brkbdmnjgnj RKP EFWN
_iln Nsuc ]PR/]PE
_bj`bgncnj Muyfllfjg & Mujuc Afrf

]BDNEN QKQ ]BDNEN APPE/_RPKBPDNP

Ptfdulnsf _brkbdmnjgnj RKP EFWN
_iln Nsuc ]PR/]PE
_bj`bgncnj Muyfllfjg & Mujuc Afrf
ABWNPN QKQ ABWNPN  APPE/_RPKBPDNP
Dnjnebdbj Ptrbs anj Dnjnebdbj Kijhlfk  RKP EFWN
]PR

LNJPFN QKQ LNJPFN

_rigrnd Kbsbcntnj Dbjtnl Lnjsfn5 _bj`bgncnj APPE/_IPMFJAR
_RPKBPDNP
Abdbjsfn, Nlzbfdbr ]PR
 Abdbjsfn, Nlzbfdbr  ]PR >1
 

R_NVN _BJ@BGNCNJ  
        >
        =
        /
        0
        ?
        /
        >
>

DNPNLNC KBPBCNQNJ EFWN

KBLID_IK ]FPFKI R_NVN _BJ@BGNCNJ

Pnkft Hfsfk  Dnjnebdbj Ptrbs af Hnsflftns

_blnynjnj Kbsbcntnj
_utus Pbkilnc
Dnjnebdbj strbs
_utus Kbren

Kbcflnjgnj Irnjg ynjg af`fjtnf Kbtncnjnj Dbjtnl

_rigrnd Njtfsfpnsf
 Jnrn _fanjn

Kbdfskfjnj _rigrnd Kbsbenctbrnnj

 >2
Kirmnj Mbj`njn Dnjn bdbj Ptrbs
 

• _blnynjnj kbsbcntnj efwn mblud • hikus pblnynjnj kbpbrnwntnj efwn suanc snntjyn
tbrfjtbgrnsf af pblnynjnj prfdbr  mbrmnsfs pnan kidujftns (`iddujfty mnsba `nrb)
ynjg tbrfjtbgrnsf kb anlnd pblnynjnj prfdbr
•

=>,17% _uskbsdns dbdmbrfknj lnynjnj sfstbd mbrmnsfs rudnc snkft dbjenaf mbrmnsfs
kbsbcntnj efwn •

kidujftns
• 00 % ]PR ynjg dbdmbrfknj lnynjnj
kbsbcntnj efwn •  pnsfbj gnjggunj efwn anpnt afrnwnt pnan sbluruc
 pblnynjnj kbsbcntnj
•
3 _rivfjsf ynjg tfank dbdflfkf ]PE
•  eudlnc anj kbtbrsbafnnj
kbtbrsbafnnj ynjg
 mbrkbsfjndmujgnj
 mbrkbsfjndmujgn j imnt psfkitripfk af
 puskbsdns
 

_blnynjnj Kbsbcntnj Efwn

 Jirwbgfn
• ]udnc snkft tfank lngf dbjenaf pusnt
 pblnynjnj mngf pnsfbj efwn, tnpf rudnc snkft
nknj dblnynjf pnsfbj efwn nkut ynjg mbrbsfki
tbrcnanp kbsblndntnj afrfjyn anj irnjg lnfj.
• Aiktbr kblunrgn
•

Pfstbd
tbrsusujrueuknj pblnynjnj kbsbcntnj efwn
sfstbdntfs
 

_brnj pbdbrfjtnc
• Dbjfjgkntknj kbdndpunj pnsfbj efwn ngnr
anpnt kbdmnlf kb aujfn kbren
• Dbdpbrkbrenknj pnsfbj efwn
• Afgnef sbmngnfdnjn lnynkjyn pbkbren pnan
ududjyn
          >
        =
        /
        0

_NVRJG CRKRD AF QNCRJ =?>1

        ?
        /
        >
  >


RJANJG ‐ RJANJG
 Kbtik _nlu KBPBCNQNJ
A_] ]F5 3 Eulf =?>1 EFWN
 Aftbtnpknj5 Ji >3 Qncuj =?>1

RJANJG ‐ RJANJG KB_B]NWNQNJ

 Kbtik _nlu A_] ]F 5 =2 Pbptbdmbr =?>1
 Aftbtnpknj 5 Ji 03 Qncuj =?>1
RJANJG ‐ RJANJG QBJNGN KBP
 Kbtik _nlu A_] ]F 5 =2 Pbptbdmbr =?>1
 Aftbtnpknj 5 Ji 08 Qncuj =?>1
•
_B]DBJKBP ]F, Ji. 10 Qncuj =?>8, Qbjtnjg
Ptnjanr _blnynjnj Dfjfdnl
 =?
 

_B]DBJKBP ]F, Ji. 10 Qncuj =?>8, QBJQNJG

PQNJAN] _BLNVNJNJ DFJFDNL
_nsnl =, Nynt =, e & f

“ PBQFN_ I]NJG ABJGNJ GNJGGRNJ EFWN (IAGE)

DBJAN_NQKNJ _BLNVNJNJ KBPBCNQNJ PBPRNF PQNJAN]—

“PBQFN_ I]NJG MB]FPFKI QB]FJHBKPF CFX DBJAN_NQKNJ

_BDB]FKPNNJ CFX PBPRNF PQNJAN]—

_BJVNKFQ VNJG QB]@NJQRD _NAN P_D5 CF_B]QBJPF,

AFNMBQBP DFLFQRP, QM _N]R, IAGE ANJ CFX
 FJAFKNQI] KBLRN]GN PBCNQ
 

>. Dbjgfkutf _rigrnd Kblunrgn Mbrbj`njn

=. Fmu Mbrsnlfj af Hnsflftns Kbsbcntnj
0. Mnyf Dbjanpnt Fdujfsnsf Ansnr Lbjgknp
1. Mnyf Dbjanpnt NPF
2. Mnlftn Dbjanpnt _njtnunj _brtudmucnj anj _brkbdmnjgnj
8. _bjabrftn QM@ _nru Dbjanpnt _bjgimntnj Ptnjanr 
7. _bjabrftn Cfpbrtbjsf Dbjanpnt _bjgimntnj Qbrntur 
3. _bjabrftn Gnjggunj Efwn Dbjanpnt _bjgimntnj anj Qfank Qbrlnjtnr

6. Njggitn Kblunrgn Qfank Nan Vnjg Dbrikik 

>?. Kblunrgn Dbjenaf Njggitn Endfjnj Kbsbcntnj Jnsfijnl

>>. Kblunrgn Dbdflfkf Nksbs Pnrnjn Nfr Mbrsfc

>=. Kblunrgn Dbdflfkf Nksbs Endmnj Pbcnt
 

NLR] _BLB_NPNJ _NPRJG

KBMB]PFCNJ DNKNJ PIPFNLFPNPF IMNQ

AF]F
         >
        =

DIQQI ‐ QN]GBQ _NPRJG

 
        /
        0
        ?
        /
        >
  >

_NPRJG
 =8

        >
        =
 
        /
        0

DIQQI ‐ QN]GBQ IAGE

        ?
        /
        >
  >

IAGE
=7
 

PBCNQ EFWN MB]PNDN _B]NWNQ

PBCNQ EFWN QBQN_ PBCNQ

]FPFKI PNKFQ EFWN ENAF PBCNQ

PNKFQ EFWN ENAF DNJAF]F ANJ

_]IARKQFH