sDkgLsf ljj/0fkqsf d'Vo ljifox

sDkgL P]g, @)^# cGtu{t ;+:yflkt / a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhd sfd sf/f]af/
ug{ Ohfhtkq k|fKt
g]kfn /fi6« a}+saf6 “3” ju{sf] Ohfht k|fKt ;+:yf

/lhi6«f/ sfof{no M ag]kf gu/kflnsf j8f g+=&, sfe|]knf~rf]s
kmf]g g+= M )!!–^^@^#^
Od]n M adarshalbbs@gmail.com, j]a;fO6M www.adarshamicrofinance.com
sf]
ljj/0fkq
-lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt_
sDkgLsf] hf/L k"FhL ?=@,)&,)),)))÷– sf] #@=#& k|ltztn] x'g cfpg] ?=^&,)),)))÷– /sd a/fa/ k|lt z]o/ ?= !))÷– c+lst b/sf
^&,))) lsQf ;fwf/0f z]o/ dWo] !,)#% lsQf z]o/ -hf/L k"FhLsf] )=% k|ltzt_ sd{rf/Lx?nfO{ / #,#%) lsQf z]o/ -s'n lgisfzgsf] %
k|ltzt_ ;fd'lxs nufgL sf]ifsf] nflu ;'/lIft u/L afFsL /xg] ^@,^!% lsQf ;fwf/0f z]o/x?sf] k|f/lDes ;fj{hlgs lgisfzg ul/g] .
g]6jy{ tyf cGo k|d'v ljQLo kl/;"rsx? ;DaGwL tflnsf b]xfo adf]lhd /x]sf] 5 M
jf:tljs k|If]lkt
ljj/0f
2075÷076 2076÷77 2077÷078 2078÷079 2079÷080 2080÷81
k|lt z]o/ g]6jy{ -?=_ 112.37 119.24 122.88 156.82 128.27 132.34
k|lt z]o/ cfDbfgL -?=_ 12.37 7.27 5.13 20.60 18.19 25.09
g]6jy{df k|ltkmn -Ü_ 11.01% 6.10% 4.17% 9.33% 12.02% 16.07%
;+lrt gfkmf÷-gf]S;fg_ -?=xhf/df_ 1,350.74 2,144.27 2,509.12 1,374.51 211.90 391.21
b/vf:t ;fy k|lt z]o/ c+lst d"No ?= !))÷– sf] b/n] -ztk|ltzt_ e'QmfgL dfu ul/Psf] .
nufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f M

lwtf]kqdf ul/g] nufgLdf hf]lvd x'g] ePsf]n] To:tf] hf]lvdsf] d"Nof+sg ug]{ k|d'v bfloTj nufgLstf{ :jo+sf] x'g]5 / lwtf]kqsf] lgisfzg
d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]af/ d"No ghgfpg] x'Fbf o; ljj/0fkqsf] bkmf * -k[i7 ;+Vof !^ / !& _ df pNn]lvt
hf]lvdx? ;d]tsf] cWoog u/]/ dfq nufgL ;DaGwL lg0f{o lng ;'emfj ul/G5 .
lgodg lgsfosf] hjfkmb]xLtf g/xg] pb\3f]if0fM

o; ljj/0fkqdf pNn]lvt lwtf]kq ;fj{hlgs lgisfzgsf nflu tof/ ul/Psf] o; ljj/0fkqnfO{ lwtf]kq ;DaGwL P]g, @)^# adf]lhd g]kfn
lwtf]kq af]8{n] :jLs[lt k|bfg u/]sf] 5 . o;/L af]8{n] ljj/0fkqdf :jLs[lt k|bfg u/]sf] sf/0faf6 s;}n] klg g]kfn lwtf]kq af]8{, sDkgL
/lhi6«f/sf] sfof{no jf ;Da4 cGo lgodg lgsfon] ljj/0fkqdf pNn]lvt s'/fsf] ;Totf jf lgisfzgstf{sf] cfly{s ;Ifdtfsf] af/]df s'g}
k|sf/sf] k|Tofe"\t u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g .
;+:yfks tyf ;~rfnsx? / ;+:yfks z]o/wgLx?sf Psf3/sf] ;b:on] o; ljj/0fkq dfkm{t lgisfzg ul/g] k|fylds ;fj{hlgs lgisfzgdf
cfj]bg lbg kfpg] 5}gg\ . ;fy}, o; ljj/0fkq dfkm{t sd{rf/Lx?nfO{ laqmL ljt/0f ul/Psf] z]o/ ;j{;fwf/0fsf nflu lgisfzg ul/Psf] z]o/
afF8kmFf6 ePsf] ldltn] tLg jif{ k"/f geO{ laqmL ljt/0f ug{ jf x:tfGt/0f ug{ kfOg] 5}g .
qm]l86 /]l6Ë ;DaGwL
o; ljj/0fkq cg';f/ ;j{;fwf/0fx?df lgisfzg ul/g] ;fwf/0f z]o/sf] nflu æqm]l86 /]l6Ë lgodfjnL, @)^*Æ sf] lgod # df ePsf] Joj:yf adf]lhd
g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt qm]l86 /]l6Ë ;+:yf Care Rating Nepal Ltd., k'tnL;8s, sf7df8f}+af6 qm]l86 /]l6Ë u/fO{ ldlt @)&*÷)^÷!*
df “CARE-NP B+ (IS)” k|bfg u/]sf] 5 . h;n] sDkgLsf] ljQLo bfloTj k"/f ug{ pRr hf]lvddf /x]sf] hgfpF5 . pQm /]l6Ësf] cjlw hf/L ldltaf6
Ps jif{ cyf{t ldlt @)&(÷)^÷!& ut];Dd /xg]5 . Care Rating Nepal Ltd. n] CARE-NP AAA (IS) b]lv CARE-NP D (IS) KjfOG6 /]l6Ë
k|bfg ub{5 . h;df /]l6Ë CARE-NP AAA (IS) n] alnof] cfwf/ hgfpF5 eg] /]l6Ë CARE-NP D (IS) n] sdhf]/ cfwf/x? hgfpF5 . ;f] ;DaGwL
ljj/0f o; ljj/0fkqsf] bkmf @@ -0f_ -k[i7 ;+Vof #(_ df pNn]v ul/Psf] 5 .
g]kfn lwtf]kq af]8{af6 ljj/0fkq :jLs[t ePsf] ldlt @)&(÷)@÷!) lgisfzg v'Nnf x'g] ldlt M @)&(÷)#÷)!
g]kfn /fi6« a}+sdf ljj/0fkq btf{ ePsf] ldlt @)&(÷)@÷!^ lgisfzg aGb x'g] ldlt -l56f]df_ M @)&(÷)#÷)% -a}+lsË ;do kZrft\_
sDkgL /lhi6«f/sf] sfof{nodf ljj/0fkq btf{ ePsf] ldlt @)&(÷)@÷!( lgisfzg aGb x'g] ldlt -l9nf]df_ M@)&(÷)#÷!% -a}+lsË ;do kZrft\_
g]kfn lwtf]kq af]8{af6 :jLs[t ljj/0fkq lgisfzg tyf laqmL k|aGws, lgisfzgstf{ sDkgLsf] ;fy} g]kfn lwtf]kq af]8{sf] j]a;fO6 M www.sebon.gov.np af6 ;d]t
x]g{ ;lsg] 5 .
lwtf]kq lgisfzg tyf laqmL k|aGws M
la=cf]=s]=Soflk6n dfs]{6 lnld6]8
gf/fo0frf}/, gS;fn, sf7df8f}+, g]kfn
kmf]g=g+=M)!–$%!#$(^, $%!#)(^
Email: info@bokcapital.com.np
website: www.bokcapital.com.np
v= ljj/0f kqsf] d'vk[i7sf] leqL efudf pNn]v x'g'kg]{ s'/fx? M
!= ljj/0fkqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M
s_ æljj/0fkqÆ eGgfn] lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t
k|sflzt ljj/0fx? ePsf] k'l:tsfnfO{ ;Demg' kb{5 .
v_ ælwtf]kq lgisfzg tyf laqmL k|aGwsÆ eGgfn] la=cf]=s]= Soflk6n dfs]{6 lnld6]8, gf/fo0frf}/, gS;fn,
sf7df8f}+nfO{ ;Demg' kb{5 .
u_ æljQLo ;+:yf÷sDkgLÆ eGgfn] lgisfzgstf{ sDkgL cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8 ag]kf–&,
sfe|]knf~rf]snfO{ ;Demg' kb{5 .
3_ æ;+sng s]Gb|Æ eGgfn] g]kfn lwtf]kq af]8{af6 lwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#
adf]lhd lwtf]kqsf] b/vf:t ;+sng ug{ cg'dlt k|fKt a}+s tyf ljQLo ;+:yfx? / ltgsf zfvf sfof{nox?
;Demg' kb{5 .
ª_ ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no tyf g]kfn /fi6« a}+snfO{ ;Demg'
kb{5 .
r_ æ;+:yfks, ;~rfns, k|d'v sfo{sf/L clws[t tyf Joj:yfkgÆ eGgfn] cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8sf]
;+:yfks, ;~rfns, sfo{sf/L k|d'v tyf Joj:yfkgnfO{ ;Demg' kb{5 .
5_ æaf]8{Æ eGgfn] lwtf]kq ;DaGwL P]g, @)^# sf] bkmf # adf]lhd :yfkgf ePsf] g]kfn lwtf]kq af]8{nfO{ ;Demg'
kb{5 .
h_ “lgisfzg a}+s” eGgfn] ;fj{hlgs lgisfzgaf6 ;+sng x'g cfPsf] /sdnfO{ hDdf ug{sf] nflu tf]lsPsf]
jfl0fHo a}+snfO{ ;Demg' kb{5 .
em_ “cfwf/e"t z]o/wgL” eGgfn] sDkgLsf] r'Qmf k"FhLsf] Ps k|ltzt jf ;f] eGbf a9L z]o/ wf/0f u/]sf z]o/wgL
eGg] ;Demg' kb{5 .
`_ “ljQLo ljj/0f” eGgfn] ;+ul7t ;+:yfsf] jf;nft, cfo–Joo ljj/0f, gub k|jfx ljj/0f cflb ;Demg' kb{5 /
;f] zAbn] OlSj6Ldf ePsf] kl/jt{gsf] ljj/0f / n]vf gLlt tyf n]vf;Fu ;DalGwt l6Kk0fLx? ;d]t hgfpFb5.
6_ “n3'ljQ ljQLo ;+:yf” eGgfn] a}+s tyf ljQLo ;+:yf ;DaGwL P]g @)&# sf] bkmf $( sf] pkbkmf -$_
adf]lhdsf] a}lsË tyf ljQLo sf/f]af/ ug{ :yfkgf ePsf] ;+ul7t ;+:yf ;Demg' kb{5 .
7_ “v'b ;DklQ -g]6 jy{_” eGgfn] n3'ljQ ljQLo ;+:yfsf] jf;nftdf /xg] ;DklQsf] s'n hf]8df afx\o bfloTjnfO{
36fO{ sfod x'g cfpg] /sd ;Demg' kb{5 .
8_ “k|lt z]o/ cfDbfgL” eGgfn] n3'ljQ ljQLo ;+:yfsf] cfDbfgLnfO{ pQm ;+:yfsf] hf/L z]o/n] efu ubf{ cfpg]
efukmn ;Demg' kb{5 .
@=ljj/0fkq tyf b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M

l;=g+= ljj/0fkq k|fKt ug]{ :yfgsf] gfd / 7]ufgf
s= la=cf]=s]=Soflk6n dfs]{6, gf/fo0frf}/, sf7df8f}+ . j]a;fO6M www.bokcapital.com.np
cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8,ag]kf, sfe|]knf~rf]s .
v=
j]a;fO6 M www.adarshamicrofinance.com
u= g]kfn lwtf]kq af]8{, v'dn6f/, nlntk'/sf] j]a;fO6 M www.sebon.gov.np
l;=g+= b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M

g]kfn lwtf]kq af]8{af6 :jLs[lt k|fKt u/]sf ;Dk"0f{ cf:af (ASBA) ;b:o a}+s tyf ljQLo ;+:yfx? /
s= ltgsf tf]lsPsf zfvf sfof{nox? tyf l;l8P; P08 lSnol/Ë lnld6]8af6 lgdf{0f ul/Psf] ;ˆ6j]o/
æd]/f] z]o/Æ cgnfOg k|of]u u/L l;–cf:af (C-ASBA) k|0ffnL dfkm{t cfj]bg lbg ;lsg]5 .
2
-u_
!= lwtf]kq lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M
xfdLnfO{ cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8 tyf o;sf ;+:yfks÷;~rfnsx?n] pknAw u/fPsf] ljj/0f
tyf hfgsf/Lx?sf] cfwf/df o; sDkgLsf] Joj:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6
xfdL ;Gt'i6 x'g'sf] ;fy} ljj/0fkqdf pNn]v ul/Psf cfly{s ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;xL
b]lvPsf]n] nufgLstf{x?nfO{ nufgL ;DaGwL lg0f{o lng d2t k'Ug] s'/fk|lt ljZj:t eO{ xfdLn] of] ljj/0fkq
:jLs[ltsf nflu g]kfn lwtf]kq af]8{df lwtf]kq ;DaGwL P]g / lgodfjnL cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq
(Due Diligence Certificate) k|:t't u/]sf 5f}+ .
@= ;+ul7t ;+:yfsf] pb\3f]if0f M

s_ ;+rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M
of] ljj/0fkq xfdLn] k'g/fjnf]sg u/L cg'df]bg u/]sf] x'gfn] o; ljj/0fkqdf pNn]v ul/Psf ljj/0f tyf
hfgsf/Lx?sf ;fy} lgisfzg tyf laqmL k|aGwsnfO{ lbPsf] ljQLo ljj/0f, cGo ljj/0f, hfgsf/L tyf
sfuhftx?sf] ;Totf / z'4tf k|lt / lwtf]kq btf{ tyf lgisfzg cg'dlt k|of]hgsfnflu g]kfn lwtf]kq
af]8{df k]z ul/Psf] ljj/0fkq / ;f] ;Fu ;DalGwt cGo ljj/0f tyf hfgsf/Lx?sf] z'4tf tyf ;Totfk|lt
o; ljj/0fkqdf x:tfIf/ ug]{ xfdL ;~rfnsx? JolQmut jf ;fd"lxs ?kdf hjfkmb]lxtf axg ub{5f}+ /
lwtf]kq lgisfzgsf nflu tf]lsPsf zt{ tyf cfjZostfx?sf] ;DaGwdf cfjZos hfgsf/L lnO{ xfdL of]
pb\3f]if0f ub{5f}+ ls tf]lsPsf zt{ tyf cfjZostfx? ;a} kfngf u/]sf 5f}+ / nufgLstf{x?nfO{ nufgL ;DaGwL
;'–;"lrt lg0f{o lng cfjZos s'g} ljj/0f, ;"rgf tyf hfgsf/Lx? n'sfPsf 5}gf}+ .
v_ ;+ul7t ;+:yfsf] hjfkmb]xLtf ;DaGwL pb\3f]if0f M

o; sDkgLn] k|sflzt u/]sf] ljj/0fkq, ;fj{hlgs k|:tfj, lj1fkg jf cGo s'g} ;"rgfdf pNn]v ePsf
ljj/0f afx]s sDkgLsf] af/]df k|sflzt cGo s'g} ;"rgf jf hfgsf/Lsf] hjfkmb]lxtf sDkgLdf g/xg] / To:tf]
;"rgf, hfgsf/L jf ljj/0fsf] cfwf/df nufgL u/]df ;f] sf] hf]lvd nufgLstf{ :jo+n] axg ug'{kg]{5 .
u_ lgodg lgsfosf] lgodg Joj:yfsf] kfngf ;DaGwL pb\3f]if0f M
k|rlnt sfg"g cg';f/ cfˆgf] ;]jf;Fu ;DalGwt lgodg lgsfo -h:t} sDkgL /lhi6«f/sf] sfof{no, g]kfn /fi6«
a}+s, cflb_ sf] ;fj{hlgs lgisfzg tyf cGo lgodg Joj:yf tyf lgb{]zgx?sf] kfngf u/]sf] s'/fsf] pb\3f]if0f
ub{5f}+ . ;fy} ;fj{hlgs lgisfzg k|of]hgsf] nflu tof/ ul/Psf] ljj/0fkq / ;f] df pNn]lvt ;Demf}tf jf
cGo ljj/0fx? g]kfn lwtf]kq af]8{, g]kfn :6s PS;r]~h lnld6]8 / g]kfn /fi6« a}+sdf k]z u/]sf 5f}+ .
sDkgL P]g, @)^# adf]lhd sDkgL /lhi6«f/sf] sfof{nodf k]z ug'{kg]{ ljj/0fx? k]z u/]sf] x'gfn] sDkgL
/lhi6«f/sf] sfof{noaf6 ldlt @)&*÷!)÷@% ut] kq ;+Vof )&*÷&(, rnfgL g+= &)!@* sf] kqfg';f/
cf=j=@)&&÷)&* ;Dd o; ljQLo ;+:yf sDkgL /lhi6«f/sf] sfof{nodf cBfjlws /x]sf] 5 .
3_ ;+:yfks, ;+rfns tyf sfo{sf/L k|d'v ;DaGwL pb\3f]if0f M

-s_ o; sDkgLsf] ;+:yfks, ;~rfns jf sfo{sf/L k|d'v shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf /xg' ePsf] 5}g .
-v_ o; sDkgLsf ;~rfns jf sfo{sf/L k|d'v sfnf] ;"rLdf /x]sf] cGo ;+ul7t ;+:yfdf ;~rfns jf
sfo{sf/L k|d'v /xg' ePsf] 5}g .
-u_ ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0faf6 k"FhL ;+sng u/L a]kQf ePsf jf ;+rfngdf g/x]sf jf
nufgLstf{x?sf] lxt ljk/Lt x'g] sfo{ u/]sf] ;+ul7t ;+:yfsf] ;~rfns jf sfo{sf/L k|d'v o; sDkgLsf]
;~rfns jf sfo{sf/L k|d'v /xg' ePsf] 5}g .
-3_ lwtf]kq ;DaGwL sfg"g ljk/Lt sfo{ u/]sf] sf/0f lwtf]kq ahf/ jf lwtf]kq Joj;foLsf] cg'dltkq vf/]h
ePsf] bz jif{ k"/f gePsf] ;+ul7t ;+:yfsf] ;~rfns jf sfo{sf/L k|d'v o; sDkgLsf]] ;~rfns jf
sfo{sf/L k|d'v /xg' ePsf] 5}g .
-ª_ o; sDkgLsf]] ;~rfns jf sfo{sf/L k|d'v lwtf]kq ;DaGwL P]gsf] bkmf !)* adf]lhd ;~rfns jf
sfo{sf/L k|d'v x'g cof]Uo /x]sf 5}gg\ .
3
#= ;+ul7t ;+:yf ;DaGwL hfgsf/L M
s_ ;+ul7t ;+:yfsf] k[i7e"ld M
-!_ ;+:yfsf] gfd M cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8
c+u|]hLdf M Adarsha Laghubitta Bittiya Sanstha Limited
-@_ ;+:yf s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f M
sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cGtu{t :yflkt .
-#_ ;+:yfsf] /lhi68{ 7]ufgf M
o; sDkgLsf] /lhi68{ -s]Gb|Lo_ sfof{no afudtL k|b]z, sfe|]knf~rf]s lhNnf, ag]kf gu/kflnsf j8f g+=
& df /x]sf] 5 .
-$_ sf/f]af/ ug]{ d'Vo :yfg M
o; sDkgLsf] sf/f]af/ ug]{ :yfg jfudtL k|b]ze/ /x]sf] 5 . ;fy}, g]kfn /fi6« a}+ssf] :jLs[lt lnO{
cfjZostf cg';f/ zfvf, pkzfvf jf cGo sfof{no vf]nL ljQLo sf/f]af/ ug{ ;lsg]5 . r}q d;fGt
@)&* ;Dddf o; sDkgLn] s]Gb|Lo sfof{no afx]s] lgDg adf]lhdsf :yfgx?df zfvf sfof{nox? vf]nL
sf/f]af/ ;~rfng ul//x]sf] 5 .
qm=;+= zfvfsf] gfd zfvf /x]sf] :yfg
1 cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8 a'4gu/, sf7df8f}+
2 cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8 l7dL, eQmk'/
3 cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8 s'Gtfj]zL, sfe|]knf~rf]s
4 cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8 kgf}tL, sfe|]knf~rf]s
5 cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8 nfdf6f/, nlntk'/
6 cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8 rsds], l;Gw'nL
7 cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8 slknfsf]6, l;Gw'nL
-%_ ;+ul7t ;+:yfsf] :yfkgfsfnb]lv xfn;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf] d'Vo p2]Zox? M
ljutdf ;fdflhs ;+:yfsf] ¿kdf sfo{/t dlxnf cfbz{ ;]jf s]Gb|n] g]kfn /fi6« a}+saf6 ljQLo dWo:ystf{sf]
O{hfht k|fKt u/L @)%* ;fnb]lv ub}{ cfPsf] n3'ljQ sfo{qmd nfO{ o; n3'ljQ ljQLo ;+:yfdf ?kfGt/0f
ul/Psf] / o; cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8 @)&%÷)@÷)( ut] sDkgL /lhi6«f/sf] sfof{nodf
klAns lnld6]8 sDkgLsf] ¿kdf btf{ ePsf] xf] . o; sDkgLn] ldlt @)&%÷)&÷@% ut] æ3Æ ju{sf] ljQLo
;+:yfsf] ¿kdf a}+s tyf ljQLo ;+:yf ;DaGwL P]g @)&# sf] bkmf $( sf] pkbkmf $ tyf g]kfn /fi6«a}+saf6
hf/L lgb]{zg tyf zt{x?sf] clwgdf /xL ljQLo sf/f]af/ ;+rfng ug]{ O{hfhtkq k|fKt u/L ldlt
@)&%÷)(÷)! ut]b]lv cf}krfl/s ?kn] ljQLo sf/f]af/ z'ef/De ePsf] xf] . n3'ljQsf] k|rlnt dfGotfnfO{
cjnDag ub{} cfˆgf] ;]jfnfO{ ljkGg ju{sf] cfly{s tyf ;fdflhs :t/ psf:g] sfddf s]lGb|t u/]sf] 5 .
o; ;+:Yffk|lt cfd ;j{;fwf/0fsf] ljZjf;nfO{ clej[l4 ub{} ;+:Yffsf] ;fvnfO{ cem pRr t'Nofpg] p2]Zosf
;fy o; sDkgLn] cfkm\gf u|fxs ;b:ox?nfO{ ljleGg lsl;dsf ;]jfx? k|bfg ub}{ cfO/x]sf] 5 . r}q
d;fGt @)&* ;Dddf o; n3'ljQ ljQLo ;+:yfsf] & j6f zfvf sfof{nox?df hDdf %,*%! u|fxsx? /x]sf
5g\ . o; n3'ljQ ;+:yfsf] ;+:yfks tyf ;~rfnsx?df ljQLo If]q, lrlsT;f If]q, lgdf{0f tyf xfO8«f]kfj/
If]qdf nfdf] ;dob]lv sfo{/t cg'ejL k|ltli7t JolQmx? /xg' ePsf] 5 . sDkgL /lhi6«f/sf] sfof{nosf]
ldlt @)&*÷!)÷@% ut] kq ;+Vof )&*÷&(, rnfgL g+= &)!@* sf] kqfg';f/ cf=j=@)&&÷)&* ;Dd
o; ljQLo ;+:yf sDkgL /lhi6«f/sf] sfof{nodf cBfjlws /x]sf] 5 .
sDkgLsf] k|aGwkqsf] bkmf $ tyf lgodfjnLsf] lgod $ df pNn]v ul/P adf]lhd g]kfn /fi6«« a+}s P]g,
@)%* tyf a+}s tyf ljQLo ;++:yf ;DaGwL P]g, @)&#, sDkgL sfg"g tyf cGo k|rlnt sfg"gsf] cwLgdf
/xL ljQLo sf/f]af/ ug]{ o; n3'ljQ ljQLo ;+:yfsf] d'Vo p2]Zox? b]xfo adf]lhd /x]sf] 5M
-s_ ljQLo ;+:yfsf]] ;+/If0f / ;Da4{g ub}{ :j:Yf k|lt:kwf{af6 ;j{;fwf/0fnfO{ u'0f:t/Lo tyf e/kbf]{ ljQLo
dWo:ytf ;]jf pknAw u/fpg],
4
-v_ :j/f]huf/ tyf cfocfh{gsf nflu s[lif, 3/]n' pBd, ;]jf, Jofkf/ tyf cGo ;DefJo pTkfbgzLn
Joj;fosf] :yfkgf, ljsf;, lj:tf/ / Ifdtf Pjd\ pTkfbsTj j[l4sf nflu cfjZos ljQLo ;fwg
cfGtl/s tyf afXo >f]taf6 h'6fO{ b]zsf] cf}Bf]lus, Jofkfl/s Pj+ s[lif If]qsf] ljsf;df ultlzntf
Nofpg ;xof]u k'¥ofpg],
-u_ pknAw zLk, >d tyf k"FhLnfO{ plrt ?kdf kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg Pjd\
/f]huf/Ld"ns Joj;fosf] :yfkgf, ;~rfng, ljsf;, lj:tf/ Pjd\ k|aw{g ug]{ / ;f] sfo{sf] nflu
cfjZos ljQLo ;fwg, k|fljlws tyf Joj:yfksLo k/fdz{ ;]jf, tflnd tyf k|ljlw pknAw u/fO{
ul/aL lgjf/0fsf nflu ;lqmo ?kdf ;+nUg eO{ ;xof]u k'¥ofpg],
-3_ ljQLo ;]jfdf hf]lvd sd ub}{ ljQLo If]qsf] pbf/Ls/0fdf d2t k'¥ofO{ / b]zsf] cy{tGqnfO{ ;an tyf
;'b[9 agfpg ;xof]u k'¥ofpg] /
-ª_ b]zsf] ;du| ljQLo k|0ffnL k|lt ;j{;fwf/0fsf] ljZjf;gLotf clej[l4 ug{ ;xof]u k'¥ofpg] .
-^_ ;+ul7t ;++:yfsf] s'g} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, Oltxf; / To;sf d'Vo p2]Zox?sf
;fy} To;df ePsf] nufgLsf] c+z -k|ltztdf_ M ;f] gePsf]] .
-&_ b]xfosf s'/fx? ;d]t pNn]v ug'{kg]{ -nfu" x'g] xb;Dd_ M
-!_ ;+ul7t ;++:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx?
ljQLo ;+:yfn] k|bfg ug]{ d'Vo ;]jfx?df n3'ljQ sfo{qmd dfkm{t ljQLo ;+:yfdf cfj4 ;b:ox?nfO{ lgIf]k
-art_, shf{ tyf n3'aLdfsf ;]jfx? k|bfg ul//x]sf] 5 . ljQLo ;+:yfn] lagf e]befj cfˆgf] sfo{ If]q
leqsf ljkGg tyf lk5l8Psf 3/kl/jf/sf ;b:ox?nfO{ ljgf lwtf] tyf lwtf]df s[lif, kz'kfng, ;]jf,
Jofkf/ nufot cfo:t/ j[l4 ug{ ;xof]u k'Ug] ljleGg Joj:ffo ;+rfngsf nflu shf{ lbb}+ cfO{/x]sf] 5 .
ljQLo ;+:yfn] ljkGg kl/jf/sf ;b:ox?nfO{ cfly{s :t/ pGgtL k|lt hfu?s u/fp+b} pgLx?df /x]sf] ;Lk
/ Ifdtfsf] cfwf/df shf{ k|bfg ug]{ Pj+ ;'/lIft eljiosf] nflu art ug{ clek|]l/t ul/b} cfPsf] 5.
-@_ k|of]u ePsf] jf ul/g] k|ljlw M
ljQLo ;+:yf ;]jf k|bfos sDkgL ePsf]n] dfly v08 -!_ df pNn]lvt ;]jf k|bfg ug{ cfjZos k|ljlw
;DkGg /x]sf] 5 . To;sf nflu ljQLo ;+:yfn] cfˆgf] ljQLo sf/f]af/, u|fxsx?;+u ePsf] shf{ tyf lgIf]k
;DaGwL sf/f]af/, sd{rf/Lx?;+u ;DalGwt ljj/0fsf] clen]vsf] nflu Synergy Tech Software Pvt. Ltd
af6 v/Lb ul/Psf] Mfin Plus ;ˆ6j]o/sf] k|of]u u/L clen]v /fVg] ul/Psf] 5 . ;fy}, ljQLo ;+:yfsf]
j]j;fO{6sf nflu Emerge Infosys Pvt. Ltd. af6 ;]jf v/Lb ul/Psf] 5 .
-#_ s'g} j|fG8g]d, k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ljQLo ;+:yf;Fu ;DalGwt
af}l4s ;DklQ xs clwsf/ M ;f] gePsf] .
-$_ ;+ul7t ;++:yfn] cf]u6]sf] ahf/ If]q M

g]kfn /fi6« a}+saf6 @)&%÷)&÷@% ut] “3” ju{sf] ljQLo ;+:yfsf] ¿kdf ljQLo sf/f]af/ ug{ Ohfhtkq
k|fKt u/L ldlt @)&%÷)(÷)! ut]b]lv o; ljQLo ;+:yfn] cfˆgf] ljQLo sf/f]af/ ;~rfng ub}{ cfPsf] 5
. o; sDkgLn] u|fdL0f If]qsf ljkGg kl/jf/sf] hLjg:t/nfO{ dfly p7fpgsf nflu ljleGg lsl;dsf ;]jfx?
k|bfg ub}{ cfO/x]sf] 5 . xfn o; ljQLo ;+:yfn] % lhNnfdf /x]sf & j6f zfvf sfof{no dfkm{t ;]jfx?
k|bfg ub}{ cfO/x]sf] 5 .
-%_ gofF pTkfbg tyf ;]jf ;DaGwL of]hgf M

u|fxsx?sf] dfu tyf g]kfn /fi6« a}+ssf] gLlt cg';f/ ;do ;fk]If ?kdf gofF u|fxsd"lv ;]jfsf] klxrfg
tyf ljsf; u/L ;f]xL cg'?k cfˆgf] Joj;foLs sfo{of]hgf tof/ u/L cfˆgf] sfo{If]q leq zfvf
sfof{nox?sf] lj:tf/ u/L u|fxsx?nfO{ ;'ne tl/sfn] ;]jf k|bfg ug]{ of]hgf /x]sf] 5 . rfn' cfly{s jif{df
;Dk"0f{ zfvf sfof{no cGt{utsf s]Gb| a}7snfO{ cem k|efjsf/L agfpg k'gtf{huL tflnd tyf ljQLo
;fIf/tf sIff ;+rfng ug]{, u|fxs ;b:osf] Ifdtf tyf cfjZostf cflbsf] kof{Kt ljZn]if0f u/]/ u'0f:t/Lo
shf{ nufgL ub}{ shf{ sf/f]af/ j[l4 ug]{, art j[l4df ljz]if hf]8 lbg] / art tyf shf{sf gofF ;]jf
ljsf; ug]{ nIo lnOPsf] 5 .
5
-^_ pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M
ljQLo ;+:yfsf] k|d'v ahf/ g]kfnsf] afudtL k|b]z e/ /x]sf] 5 / Go"g cfo ju{sf ljz]ifu/L dlxnf u|fxs
;b:ox?sf] dfu tyf cfjZostf cg'?k g} ;]jfx? pknAw u/fpFb} n}hfg] ljQLo ;+:yfsf] pb]Zo /x]sf] 5
. o;sf nflu ljQLo ;+:yfn] sfo{If]q leqdf /x]sf zfvf sfof{nox? dfkm{t u|fxs ;b:ox?nfO{ ;d"xsf]
dfWodaf6 lagf lwtf] ;fd"lxs hdfgLdf / lwtf] shf{ ;d]t k|bfg ug]{ ;fy} lghx?af6 art ;+sng ug]{
sfo{ ;d]t ub{5 .
-&_ pTkfbg÷ ;~rfng Ifdtf / ;f]sf] pkef]u l:ylt M

o; ljQLo ;+:yfdf a}+s tyf ljQLo ;+:yfdf nfdf] cg'ej xfl;n ug{' ePsf JolQmx? ;lDdlnt ;~rfns
tyf Joj:yfkg ;d"x /x]sf] 5 . lghx?sf] dfu{ lgb]{zg tyf bIftfsf] cfwf/df o; ljQLo ;+:yf :yfkgfsf]
5f]6f] ;dodf g} u|fxsx?nfO{ k|efjsf/L ;]jf k|bfg ug{ ;kmn /x]sf] 5 . r}q d;fGt @)&* ;Dddf o;
ljQLo ;+:yfn] #& hgf sd{rf/Lx? dfkm{t %,*%! hgf u|fxs ;b:ox?nfO{ n3'ljQ ;]jf k|bfg ub{} cfO{/x]sf]
5 . u|fxsx?sf] dfu tyf cfjZostf cg';f/sf] ljQLo ;]jf k|bfg ug{ ljQLo ;+:yf ;Ifd /x]sf] 5 .
-*_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M ;f] gePsf] .
-(_ u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf M

a}+s tyf ljQLo ;+:yf, ;fdflhs ;]jf, :jf:Yo If]q, lgdf{0f If]q tyf xfO8«f]kfj/ If]qdf nfdf] cg'ej xfl;n
ug{' ePsf ;~rfns÷Joj:yfkg ;d"x u|fxsx?nfO{ u'0f:t/Lo ;]jf tyf ;'ljwf k|bfg ug{sf nflu k|lta4
/x]sf 5g\ . u'0f:t/o'Qm ;]jf k|bfg ug{sf nflu u|fxsx?sf] u'gf;f] tyf ;'emfj ;'gjfO{sf] nflu k|To]s
sfof{nodf ;'emfj k]6Lsf /flvPsf] 5 .
To;}u/L s]Gb|Lo sfof{no nufot ljleGg :yfgdf vf]lnPsf zfvf sfof{nox?af6 k|bfg ul/g] ;]jf ;'ljwf
tyf sfo{qmdsf] cg'udg u/L u|fxsx?nfO{ u'0f:t/Lo ;]jf k|bfg ug]{ ul/Psf] 5 .
-!)_ cg';Gwfg tyf ljsf; M

g]kfnsf] a}+lsË tyf n3'ljQ If]qdf k|lt:kwf{Tds l:ylt /x]sf] cfhsf] k[i7e"lddf o; ljQLo ;+:yfn]
cg';Gwfg tyf ljsf;nfO{ k|fyldstfdf /fvL cg';Gwfg tyf ljsf;;Fu ;DalGwt sfo{x? ug]{ u/]sf] 5
. h;n] gofF ;]jfx?sf] ljsf; dfq geO{ xfn k|bfg ul/Psf ;]jfx?df ;do ;fk]If ?kdf cfjZos
kl/dfh{gx? ug]{ tyf gofF ;]jfx?sf] pko'Qmtfsf ;DaGwdf Joj:yfkgnfO{ ;'emfj pknAw u/fpg] sfo{
ub{5 . ;fy}, ljQLo ;+:yfn] u|fxs ju{df gofF lgIf]ksf of]hgfx?, u|fxsd'vL ;/n shf{ ;'ljwf / ljZj;gLo
gofF k|ljlwsf] k|of]u u/L cfˆgf u|fxsx?nfO{ u'0f:t/Lo ;]jf k|bfg ug]{ nIo /fv]sf] 5.
-!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;~rfngdf c;/ kg]{ u/L ePsf] jfwf, Jojwfg M
xfn ljZjJofkL ?kdf km}lnPsf] sf]le8 !( dxfdf/Lsf] gsf/fTds k|efj o; ljQLo ;+:yfsf] sf/f]af/df
klg kg{ uPsf] 5 . o; ljifd kl/l:yltdf u|fxs ;b:ox?sf] Jofkf/, Joj;fo nfdf] ;do;Dd aGb x'Fbf
o; ljQLo ;+:yfsf] Joj;fo lj:tf/, shf{ k|jfx tyf c;'nLdf k|lts'n k|efj kg{ uPsf] 5 .
-!@_ dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP, ;f] ;DaGwL ljj/0f M
;f] gePsf] .
-!#_ ahf/, k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M
g]kfn /fi6« a}+saf6 O{hfhtkq k|fKt u/]sf] sl/a # jif{ cjlwsf] ljQLo ;+:yf ePtf klg ljut @)%*
;fn b]lv dlxnf cfbz{ ;]jf s]Gb|n] ;~rfng ub}{ cfPsf] n3'ljQ sfo{qmd o; ;+:yfdf ?kfGt/0f eO{
cfPsf]n] o; If]qdf ;~rflnt cGo ;dfg ljQLo ;+:yfx? aLr o; ljQLo ;+:yfn] cfˆgf] pkl:ytLnfO{
;jn ?kdf :yflkt ug{ ;kmn /x]sf] 5 .
6
-!$_ k|d'v u|fxsx?sf] ljj/0f -h:t}–;++:yfsf] s"n jflif{s sf/f]af/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug{] jf
Joj;fosf] nflu ;++:yf s'g} k|d'v u|fxs;Fu lge{/ 5 eg] tt\ ;DaGwL ljj/0f_ M
;f] gePsf] .
-!%_ k|d'v ;Knfo;{x?sf] ljj/0f -h:t}– ;+:yfsf] s"n sf/f]af/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug]{
;Knfo;{ jf Joj;fosf] nflu ;+ul7t ;+:yf s'g} k|d'v ;Knfo;{;Fu lge{/ 5 eg] tt\ ;DaGwL ljj/0f_ M
;f] gePsf] .
v_ ;DklQsf] ljj/0f M
-s_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M
o; ljQLo ;+:yfsf] cf=j= @)&&÷&* ;Ddsf] ;DklQsf] cj:yf tn pNn]v ul/P adf]lhd /x]sf] 5 /
;Dk"0f{ ;DklQ rfn' cj:Yffdf /x]sf 5g\ .
ljj/0f ejg kl/jxg -u_ d]lzg/L sfof{no ;fdfg lnh cGo o; jif{ ?= ut jif{ ?=
-s_ -3_ -v_ xf]N8 ;ˆ6j]o/ -cf=j= -cf=j= @)&^÷&&_
;DkQL @)&&÷&*_
-ª_
!= k/n df]n
-s_ ut ji{f;Ddsf] – – – !%,(*,)*#=(^ – $,%@,())=)) !%,(*,)*#=(^ (,$),&!)=))
df]Hbft
-v_ o; jif{sf] yk – !,(!,$))=)) – !),@%,%)!=(* – !,)!,&))=)) !@,!^,()!=(^ ^,%&,#&#=(^
-u_ o; jif{ – – – – – – – –
k'g{d'Nofs+g .
k'g{n]vg
-3_ o; jif{sf] ljqmL – – – – – – – –
-ª_ o; jif{sf] – – – – – – – –
ckn]vg
s'n – !,(!,$))=)) – @^,@#,%*%=($ – %,%$,^))=)) @*,!$,(*%=($ !%,(*,)*#=(^
-s±v±u±3±ª_
@= x|f; s§L
s_ ut jif{;Ddsf] – – – %,^),#((=^) – !,^%,!^)=)) %,^),#((=^) @,@^,(!)=))
-v_ o; jif{sf] – !^,!%!=)! – $,^^,(#%=^) – !,!),(@)=)) $,*#,)*^=^! #,##,$*(=^!
-u_ x|f; s§L – – – – – – – –
k'g{d'Nofs+g k'g{n]vg
.
-3_ x|f; s§L /sd – – – – – – – –
;dfof]hg÷ lkmtf
s'n x|f; s§L – !^,!%!=)! – !),@&,##%=@) – @,&^,)*)=)) !),$#,$*^=@! %,^),#((=^!
#= a"s Eofn' ( – !,&%,@$*=(( – !%,(^,@%)=&$ – @,&*,%@)=)) !&,&!,$((=&# !),#&,^*$=#%
WDV*) - !–@_
$= hUuf – – – – – – – –
%= k"+hLut lgdf{0f – – – – – – – –
- k"hLs/0f ul/g'kg]{_
hDdf -#±$±%_ – !,&%,@$*=(( – !%,(^,@%)=&$ – @,&*,%@)=)) !&,&!,$((=&# !),#&,^*$=#%
dfly pNn]lvt ;DklQx? ljQLo ;+:yfsf] d'Vo sfof{no tyf zfvf sfof{nox?df /x]sf 5g\ .
-v_ a'Fbf -s_ df pNn]lvt ;DklQ ;+ul7t ;+:yfsf] cfˆg} ;DklQ xf] of lnhdf lnPsf], lnhdf lnPsf] eP
lnhsf] cjlw -ldlt ;d]t pNn]v ug'{kg]{_ M pQm a'Fbfdf pNn]lvt ;DklQ sDkgLsf] cfˆg} xf] .
-u_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h eP ;f]
;DaGwL ljj/0f M ;f] gePsf] .
-3_ ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfaL d"No / ahf/ d"No aLr km/s
ePdf ;f] sf] ljj/0fM sDkgLsf] ;Dk"0f{ ;DklQ jf:tljs vr{sf] lx;fjdf sfod ul/Psf] 5 .
-ª_ ;DklQsf] d"Nof+sg ul/Psf] tl/sf ;DaGwL ljj/0fM
k/ndf]ndf lgodfg';f/ ug'{kg]{ x|f;s§L u/L n]vfdfg cg';f/ afFsL /x]sf] /sdnfO{ jf:tljs ;DklQsf]
?kdf /flvPsf] 5 / ;f]sf] k'g{d"Nof+sg ul/Psf] 5}g .
7
u_ efjL of]hgf tyf /0fgLlt M
-s_ Joj;fo÷;]jfsf] j[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|lfKtsf nflu rflng] ;doj4
/0fgLltM
ljQLo ;+:yfn] cfˆgf] Joj;fo÷;]jfsf] j[l4sf nflu rfNg] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu
rflng] ;doj4 /0fgLlt lgDgfg';f/ 5g\ .
– cfly{s jif{ @)*@÷*# ;Dddf slDtdf klg yk # j6f zfvf lj:tf/ ug]{ of]hgf /x]sf] .
– cfufdL ltg cfly{s jif{;Dddf lgIf]k ?= !&,*(,*^,!^$÷– / nufgLdf /lx/x]sf] shf{ ?=
$#,&!,)),)*%÷– k'¥ofpg] nIo lnO{Psf] 5 .
– eljiodf u|fxsx?af6 dfu eP adf]lhdsf ;]jf ;'ljwfx? k|bfg ug{ ljQLo ;+:yf s6La¢ /x]sf] 5 .
– ;]jfu|fxLsf] ;+Vofdf j[l¢ ub{} cfufdL ltg cfly{s jif{ ;Dddf sl/a !!,))) ;]jfu|fxL] ;+Vof k'¥ofpg]
nIo /x]sf] 5 .
n3'ljQ sf/f]af/ ug]{ ljQLo ;+:yfx?sf] k|j]zaf6 pTkGg x'g] k|ltikwf{af6 x'g ;Sg] hf]lvdx?, ljQLo ;+:yfn] k|bfg
u/]sf] tyf eljiodf k|bfg ul/g] shf{ tyf ;fk6 v/fj shf{df kl/0ft x'g uPdf x'g] hf]lvd, sf]le8‐ !( sf]
dxfdf/Laf6 cfpg ;Sg] hf]lvdx?, b]zsf] /fhgLlts kl/l:yltaf6 cfpg ;Sg] hf]lvdx?, b]zsf] cfly{s cj:yfdf
cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx?, g]kfn ;/sf/sf] cfly{s gLlt tyf g]kfn /fi6« a}+ssf] df}lb|s gLltdf x'g]
kl/jt{gaf6 >[hgf x'g ;Sg] hf]lvdx?, k"FhLsf] nfut tyf shf{sf] Aofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx?,
cGt/f{li6«o ahf/df x'g] dGbLaf6 g]kfnsf] ahf/df kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx?, b]zsf] df}lb|s
gLlt nufot g]kfn /fi6« a}+sn] hf/L ug]{ gLlt, lgod / lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf x'g] ;Defljt
hf]lvdx? tyf ljQLo ;+:yfn] ;/sf/L tyf u}/ ;/sf/L lwtf]kqx?df nufgL ubf{ lwtf]kqsf] d"Nodf kl/jt{gsf
sf/0f pTkGg x'g ;Sg] hf]lvdx? nufot ;Dk"0f{ hf]lvdx?sf] uxg cWoog / ljin]if0f u/L pQm hf]lvdx? Go"lgs/0f
ub}{ hfg] /0fgLlt ljQLo ;+:yfn] lnPsf] 5 .
-v_ k|ltikwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf] Joj;fosf]
eljio M
b]zsf] n3'ljQ If]qdf xfn k|ltikwf{ cToflws /x]sf] 5 / ;f]xL sf/0fn] ubf{ o; ljQLo ;+:yfn] cfˆgf]
pNn]Vo If]q cf]u6\g ljleGg /0fgLltsf ;fy cl3 a9]sf] 5 . jt{dfg cfly{s, /fhg}lts / a}ls+Ë k|ltikwf{
aLr ;kmntfsf ;fy cuf8L a9\g sDkgLn] cfˆgf ;]jf tyf sfo{qmddf leGgtf, zfvf lj:tf/df ;se/
cGo n3'ljQ ljQLo ;+:yf gePsf cw{ zx/L / u|fdL0f If]qdf hf]8, cfw'lgs tyf k|ljlwo'Qm n3'ljQ a}+lsË
;]jf h:tf /0fgLlt cjnDjg u/]/ cuf8L al9/x]sf] 5 . pNn]lvt /0fgLltsf] sf/0f sDkgL cfˆgf nufgLdf
/x]sf] hf]lvdx? sd ug{ ;Ifd /x]sf] 5 / eljiodf ljQLo If]qdf Ps leGg If]q cf]u6\g] s'/fdf b[9 /x]sf]
5 . o; sDkgLsf ;+rfns ;ldlt nufot Joj:yfkg ;ldlt tyf pRr kbflwsf/Lx?df nfdf] ;dosf]
a}+lsË tyf n3'ljQsf] cg'ej /x]sf]n] cGo k|ltikwL{ n3'ljQ eGbf k[ys lsl;dn] ;xh t/Lsfn] ;+rfng
ug{ ;Sg] Ifdtf /x]sf] 5 .
o; ljQLo ;+:yfsf] cf=j= @)&*÷&( sf] r}q d;fGt;Ddsf] ljBdfg ;+:yfut l:ytL lgDg adf]lhd /x]sf]
5.
qm=;+= ljj/0f cfly{s jif{ @)&*÷&( r}q d;fGt -ckl/is[t_
! lhNnf %
@ s]Gb|Lo sfof{no !
# zfvf &
$ s'n lgIf]k ?=!# s/f]8 &^ nfv $ xhf/ & ;o $@
% s'n shf{ ?=@^ s/f]8 *# nfv %& xhf/ @ ;o &#
^ r'Qmf k'FhL ?=! s/f]8 $) nfv
8
3_ ;~rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yf M
!_ ;+rfns ;ldltsf] ;+/rgf, ;+rfnsx?sf] of]Uotf / k|ltlglwTj tyf ;+rfns x'g'sf] nflu lng'kg]{ Go"gtd
z]o/ ;+Vof ;DaGwL Joj:yf M
o; n3'ljQ ljQLo ;+:yf lnld6]8sf] lgodfjnLsf] lgod @& sf] pklgod @ df ePsf] Joj:yf cg';f/ &
-;ft_ hgf ;~rfns /x]sf] Ps ;~rfns ;ldlt b]xfo adf]lhd x'g]5 M
;+:yfks ;d"xaf6 dgf]lgt÷lgjf{lrt $ -rf/_ hgf
;j{;fwf/0f z]o/wgLx?af6 lgjf{lrt @ -b'O{_ hgf
:jtGq Joj;flos ljz]if1 ;~rfns ! -Ps_ hgf
;~rfnsx?sf] sfo{sfn -rf/_ $ jif{sf] x'g]5 .
;+rfns x'g'sf] nflu lng'kg]{ Go"gtd z]o/ ;+Vof ;DaGwL Joj:yf M
o; sDkgLsf] lgodfjnLsf] lgod @* df Joj:yf eP cg';f/ ljQLo ;+:yfsf] ;~rfnssf] kbdf lgo'Qm x'gsf]
nflu s'g} klg z]o/wgLn] cfˆgf] gfddf !)) -Ps ;o_ lsQf z]o/ lnPsf] x'g'kg]{5 . t/, :jtGqJoj;flos
ljz]if1 ;~rfns / ;+ul7t ;+:yfsf] k|ltlglwTj ug]{ ;~rfnssf] xsdf of] Joj:yf nfu" x'g] 5}g .
$= k"FhL ;+/rgf ;DaGwL hfgsf/L M

-s_ clws[t, hf/L tyf r'Qmf k"FhL / ;++:yfsf] :yfkgf kZrft\ ;f] df kl/jt{g ePsf] eP tT;DaGwL ljj/0fM
 clws[t k"FhL M o; sDkgLsf] clws[t k"FhL ?= $,)),)),)))÷– -cIf/]kL rf/ s/f]8 dfq_ /x]sf]] 5 . pQm
k"FhLnfO{ ?= !))÷– sf b/n] $,)),))) -rf/ nfv_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
 hf/L k"FhL M o; sDkgLsf] tTsfn hf/L ug{] z]o/ k"FhL ?= @,)&,)),)))÷– -cIf/]kL b'O{ s/f]8 ;ft nfv
dfq_ /x]sf] 5 . pQm k"FhLnfO{ ?= !))÷— sf b/n] @,)&,))) -b'O{ nfv ;ft xhf/ dfq_ yfg z]o/df
ljefhg ul/Psf] 5 .
 r'Qmf k"FhL M o; sDkgLsf] xfn r'Qmf k"FhL ?= !,$),)),)))÷– -cIf/]kL Ps s/f]8 rfnL; nfv dfq_
/x]sf] 5 h;nfO{ ?= !))÷– sf b/n] !,$),))) -Ps nfv rfnL; xhf/ dfq_ yfg z]o/df ljefhg
ul/Psf] 5 .
o; ljj/0fkq dfkm{t ;j{;fwf/0fnfO{ ?= ^&,)),)))÷– -cIf/]kL ;t;¶L nfv dfq_ /sd a/fa/sf] z]o/sf]
lgisfzg kZrft\ sDkgLsf] r'Qmf k"FhL ?= @,)&,)),)))÷– -cIf/]kL b'O{ s/f]8 ;ft nfv dfq_ x'g]5 .
sDkgLsf] :yfkgf kZrft\ clws[t, hf/L Pj+ r'Qmf k"FhLdf ePsf]÷kl/jt{g ePsf] eP tT;DaGwL ljj/0f M
o; sDkgLsf]] :yfkgf kZrft\ k"FhLdf ePsf] kl/jt{g ;DaGwL ljj/0f M

qm=;+ cf= j= clws[t k"FhL ?= Hff/L k"FhL ?= r'Qmf k"FhL ?=
1. 2075/76 $,)),)),)))÷– @,)),)),)))÷– !,$),)),)))÷–
2. 2076/77 $,)),)),)))÷– @,)),)),)))÷– !,$),)),)))÷–
3. 2077/78 $,)),)),)))÷– @,)),)),)))÷– !,$),)),)))÷–
-v_ lgisfzg kl5sf] r'Qmf k"FhL -;d"xs[[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M
;fwf/0f z]o/ lgisfzg u/L afF8kmfF6 u/] kZrft\ x'g] sDkgLsf] r'Qmf k"FhLsf] ;+/rgf b]xfo adf]lhd /x]sf] 5 M
;fwf/0f z]o/
;d"x z]o/wgLx? k"FhL k|ltzt -Ü_ r'Qmf /sd e'QmfgL k|ltzt
;+Vof
;+:yfks
s !,$),)))÷– ^&=^# !,$),)),)))÷– zt\k|ltzt
z]o/wgLx?
;j{;fwf/0f lgisfzg kZrft
v z]o/wgLx? ^&,))) #@=#& ^&,)),)))÷– ztk|ltzt /sd
-sd{rf/L ;lxt_ e'QmfgL x'g] .
hDdf @,)&,))) !))=)) @,)&,)),)))÷–
9
-u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft\_
lgisflzt z]o/ lk|ldoddf geO{ c+lst d"Nodf hf/L ul/g] x'Fbf z]o/ lk|ldod vftfsf] cfjZostf g/x]sf] .
%= ;+:yfks÷;~rfns ;DaGwL hfgsf/L M
s_ ;+:yfks÷;~rfnssf] k[i7e"ld M
-s_ cfwf/e"t z]o/wgLx? tyf ;~rfnsx?sf] gfd, kb, pd]/, /fli6«otf, 7]ufgf, z]o/ :jfldTj, z}lIfs of]Uotf,
cg'ej/ k|:tfljt Jofkf/÷Joj;fodf cg'ej M
cfwf/e"t z]o/wgLx?sf] ljj/0f
z]o/ cg'ej
pd]/ cg'ej
Gffd / :jfldTj
l;=g+= Kfb /fli6«otf z}lIfs of]Uotf Jofkf/÷Joj;fo tyf
7]ufgf -ljQLo ;+:yf;Fu
-jif{_ -lsQf_
;DalGwt_ cGo If]q;Fu ;DalGwt
>L dlxnf
cfbz{ ;]jf
nfu" nfu" 50,000
nfu" gx'g] nfu" gx'g]
! s]Gb| ;+:yfks nfu" gx'g]
gx'g] gx'g]
afg]Zj/,
sf7df8f}+
>L ul/df
ljsf; a}+s
nfu" nfu" 24,000
@ lnld6]8 ;+:yfks nfu" gx'g] nfu" gx'g] nfu" gx'g]
gx'g] gx'g]
nflhDkf6,
sf7df8f}+ .
cWoIfM cfbz{
n3'ljQ ljQLo
>L ;+:yf ln=,
;"o{s'df/L 5,000
k"j{ cWoIfM dlxnf k"j{ lgb]{zsM cf]d x]Ny
# ;+:yfks &# g]kfnL :gftsf]Q/
>]i7 cfbz{ ;]jf s]Gb|, SofDk;, sf7df8f}+ 
sf7df8f}+ sf7df8f}+],

;~rfnsM ul/df
cWoIfM cf]d
Pd=8L= ljsf; a}+s ln=
8f= cfgGb 5,000 xl:k6n P08 l/;{r
$ ;+:yfks &^ g]kfnL k"j{ cWoIfM
k|;fb >]i7 ;]G6/, sf7df8f}+
-/]l8of]nhL_ z'e]R5f ljsf;
a}+s ln=
;~rfnsM cfbz{
n3'ljQ ljQLo lgb]{zsM lqd'lt{
;+:yf ln=, ;]So'l/6L sDkgL,
>L k|ef 2,000 :gfts ;~rfnsM dlxnf lgb]{zsM k'Go /fhg
% ;+:yfks %@ g]kfnL
lwtfn
cfbz{ ;]jf s]Gb|, kmfp08];g
sf7df8f}+
;~rfnsM cfbz{
n3'ljQ ljQLo
;+:yf ln=, cWoIfM dfnf>L sfˆn]
>L gLlndf 3,000
dxf;lrjM dlxnf d]df]l/on 6«i6
^ ;+:yfks ^) g]kfnL :gfts
sfˆn] cfbz{ ;]jf s]Gb| 
sf7df8f}+,

sf]iffWoIfMdlxnf
>L cfzf 2,000
cfbz{ ;]jf s]Gb| g/x]sf] .
& ;+:yfks %( g]kfnL k|df0fkq tx
>]i7
sf7df8f}+,
10
n3'ljQ If]qdf @)
aif{sf] cg'ej
cWoIfM dlxnf
>L lg? 2,000
cfbz{ ;]jf s]Gb|, g/x]sf] .
* ;+:yfks &) g]kfnL :gfts
>]i7
sf7df8f}+
pkfWoIfM dlxnf
cfbz{ ;]jf s]Gb|
sf7df8f}+,
s[lif ljsf;
a}+sdf @% aif{sf]
sfo{ cg'ej,
>L dlxnf cfbz{
2,000 ;]jf s]Gb|,
( rGbsnf ;+:yfks ^& g]kfnL :gfts g/x]sf] .
>]i7 df:s] sf7df8f}+sf]
n3'ljQ
sfo{qmdsf] k"j{
k|d'v sfo{sf/L
clws[tM
k"j{ ;~rfnsM
cfbz{ n3'ljQ
ljQLo ;+:yf ln=
;~rfnsM dlxnf #( jif{ cWofkg
>L hoGtL 2,000
cfbz{ ;]jf s]Gb| cg'ej
!) ;+:yfks ^( g]kfnL :gftsf]Q/
l;+x
sf7df8f}+
;~rfns dlxnf
>L df]gf 2,000
!! ;+:yfks %^ g]kfnL k|df0fkq tx cfbz{ ;]jf s]Gb|, g/x]sf] .
>]i7
sf7df8f}+
lrlsT;f If]qdf
sfo{/t,
8f=;[li6 2,000
PDf=8L= pk k|frfo{M g]kfn
!@ ;+:yfks $% g]kfnL g/x]sf] .
>]i7 m-8df{6f]nhL_ d]l8sn sn]h,
sf7df8f}+
cy{zf:qL,
8f=lzj 2,000 cWoIfM /fli6«o >d
!# ;+:yfks ^^ g]kfnL ljBfjfl/lw g/x]sf] . k|lti7fg (NLA)
k|;fb zdf{
k"j{ sfo{sf/L
>L dx]z 4,000 lgb]{zsM hgs
!$ k|;fb ;+:yfks ^$ g]kfnL :gftsf]Q/ g/x]sf] .
lzIff ;dfu|L s]Gb|
ltdlN;gf
ljleGg hnljB't
kl/of]hgfsf]
sfo{sf/L cWoIf,
cWoIfM cf]h:jL
;~rfnsM cfbz{ o'lkle;L sDkgL
n3'ljQ ljQLo k|f=ln=,
;+:yf ln=, ;~rfns >L
>L ;';g 4,000
;+:yfks $^ g]kfnL :gftsf]Q/ ;~rfnsM dlxnf nflnu'/fF; pRr
!% sdf{rfo{
cfbz{ ;]jf s]Gb| df=lj,nlntk'/,
sf7df8f}+, ;xsf/L ;+:yf,
O{Ge]i6d]G6 sDkgL
tyf cfjf; sDkgL
;~rfng ;daGwL
cg'ej
11
>L plåd 4,000 n]vf k/LIf0f ;DaGwL
!^ ;+:yfks %^ g]kfnL :gfts g/x]sf] .
b]jsf]6f @) jif{sf] cg'ej
>L ;ld{nf 4,000 ;~rfns dlgKnfG6
!& ;+:yfks %) g]kfnL :gfts g/x]sf] .
kf]v|]n ;fsf];
n3'ljQ If]qdf #)
jif{sf] cg'ej
-k|d'v sfo{sf/L
clws[tM cfbz{
n3'ljQ ljQLo
;+:yf ln= k"j{
lgb]{zsM u|fld0f
ljsf; n3'ljQ g/x]sf] .
>L /fh]z 3,000
ljlQo ;+:yf ln=,
!* ;+:yfks ^! g]kfnL :gftsf]Q/
zdf{ k"j{ lg=k|d'v
sfo{sf/L clws[tM
k"jf{~rn u|fld0f
ljsf; a}+s ln=,_
;fy} , afl0fHo
a}+ssf] !! aif{sf]
cg'ej ;d]t .
jt{dfg k|aGw
;~rfnsM dlgKnfG6
>L cf]d 4,000
;fsf];,
!( axfb'/ ;+:yfks $* g]kfnL :gftsf]Q/ g/x]sf] . cWoIfM cf]h:jL
a:g]t lgdf{0f sDkgL,
!& jif{ cWofkg
cg'ej
cWoIfM dlgKnfG6
;fsf];,
>L ;'bz{g 4,000 k|aGw lgb]{zsM >L
@) ;+:yfks %$ g]kfnL :gfts g/x]sf] .
k/fh'nL nflnu'/fF; pRr
df=lj,nlntk'/
>L 3,000 n3'ljQ If]qdf

@! gf/fo0f ;+:yfks %$ g]kfnL :gftsf]Q/ g/x]sf] .
@& jif{sf] cg'ej
kf}8]n
;~rfnsx?sf] ljj/0f M
qm= ;~rfnssf] gfd, z}lIfs z]o/ ljQLo ;+:yf;Fu Jofkf/÷Joj;fo tyf cGo
Kfb pd]/ /fli6«otf ;DalGwt cg'ej
;+= 7]ufgf of]Uotf :jfldTj If]q;Fu ;DalGwt cg'ej
cWoIfM cfbz{ k"j{ lgb]{zsM cf]d x]Ny
>L ;"o{ s'df/L 5,000
n3'ljQ ljQLo SofDk;, sf7df8f}+
!= cWoIf &# jif{ g]kfnL :gfts
>]i7 ;+:yf ln=, k"j{ cWoIfM dlxnf cfbz{
;]jf s]Gb|, sf7df8f}+] .
;~rfnsM cfbz{ dxf;lrjM dlxnf cfbz{
n3'ljQ ljQLo ;]jf s]Gb| sf7df8f}+,
@= >L gLlndf sfˆn] ;~rfns ^) jif{ g]kfnL :gfts 3,000
;+:yf ln= cWoIfM dfnf>L sfˆn]
d]df]l/on 6«i6
ljleGg hnlaB't
kl/of]hgfsf] sfo{sf/L
cWoIf,
;~rfnsM cfbz{
cWoIf cf]h:jL o'lkle;L
4,000
n3'ljQ ljQLo
>L ;';g sDkgL k|f=ln=,
#= ;~rfns $^ jif{ g]kfnL :gfts ;+:yf ln=
sdf{rfo{ ;~rfns >L nflnu'/fF;
pRr df=lj,nlntk'/,
;xsf/L ;+:yf, O{Ge]i6d]G6
sDkgL tyf cfjf; sDkgL
;~rfng ;daGwL cg'ej,
12
;~rfnsM dlxnf cfbz{
;]jf s]Gb| sf7df8f}+
lgb]{zsM lqd'lt{ ;]So'l/6L
;~rfnsM cfbz{
sDkgL,
n3'ljQ ljQLo
lgb]{zsM k'Go /fhg
$= >L k|ef lwtfn ;~rfns %@ jif{ g]kfnL :gfts 2,000 ;+:yf ln=
kmfp08];g / ;~rfnsM
dlxnf cfbz{ ;]jf s]Gb|,
sf7df8f}+
g]kfn /fi6« a}+sdf
#) jif{sf] ;]jf
cg'ej÷!% jif{
hlt a}+s tyf
ljQLo ;+:yfx¿sf]
lg/LIf0f Pj+
;'k/Lj]If0f ;DalGw
sfdsf] cg'ej
>L uf]s'n rGb| :jtGq ;lxt
%= %* jif{ g]kfnL :gftsf]Q/ – g/x]sf]
clwsf/L ;~rfns pklgb{]zssf]
txaf6 cjsfz .
xfn n3'ljQ
;DaGwL cWoog
cg';Gwfg Pj+
k|sfzg sfo{df
;+nUg / ;~rfnsM
cfbz{ n3'ljQ
ljQLo ;+:yf ln=
-v_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt ljj/0f (Profile)
/ pQm sDkgL÷;+:yfsf ;~rfnsx?sf] gfd, 7]ufgf, -k|fs[lts JolQm gv'n];Dd_ M
sDkgL÷;+:yfsf] z]o/ :jfldTj
qm=;+= ;+lIfKt ljj/0f ;+rfnsx?sf] gfd, 7]ufgf
gfd, 7]ufgf -lsQf_
@)$) ;fndf :yflkt dlxnf cfbz{ ;]jf s]Gb| -u}/ ;/sf/L >L lg? >]i7 cWoIf
;+:yf_ sf7df8f} lhNnf k|zf;g sfof{nodf btf{ eO{ >L rGb|snf >]i7 df:s] pkfWoIf
Dflxnf cfbz{ g]kfndf dlxnfx? ;DalGwt ;fdflhs sfo{ ug{ :yflkt >L lglndf sfkm\n] dxf;lrj
;]jf s]Gb|, >L cfzf >]i7 sf]iffWoIf 50,000
;+:yf xf] . of] ;dfh sNof0f kl/ifbdf klg ;'lrs[t
! >L k|ef lwtfn ;b:o
afg]Zj/, /x]sf] 5 . >L piff a:g]t ;b:o
sf7df8f}+ >L hoGtL l;+x ;b:o
>L df]gf >]i7 ;b:o
>L ;';g sdf{rfo{ ;b:o
ul/df ljsf; a}+s lnld6]8, g]kfn ;/sf/, sDkgL
/lhi6«f/sf] sfof{nodf btf{ g+= !)!$÷@)^$÷^% >L Zofd k|;fb j:ofn–cWoIf
/x]sf], g]kfn /fi6« a}+saf6 ævÆ ju{sf] a}+lsË sf/f]af/ >L cfgGb k|;fb>]i7 –;+rfns
ug{ Ohfhtkq k|fKt /fli6«o:t/sf] ljsf; a}+s xf] . >L lbk]Gb| >]i7 –;+rfns
ldlt @)^$÷^÷@$ df g]kfn /fi6« a}+saf6 !–# >L ljdn kf08] – ;+rfns
>L ;+lhj 9sfn – ;+rfns
lhNnf:t/ -:ofËhf, sf:sL / kfNkf_ sfo{If]qdf ljQLo ;j{;fw/0f
sf/f]af/ ug{sf] nflu Ohfhtkq k|fKt o; ljsf; >L ;/:jtL kf7s – ;+rfns
ul/df ljsf; a}+sn] @)^$÷)&÷!* b]lv :ofËhfsf] jflnªaf6 ;j{;fw/0f
a}+s lnld6]8, cf}krfl/s ?kdf ljQLo sf/f]af/ cf/De u/]sf] lyof] . >L s'Gh /fh yfkf – :jtGq 24,000
@ ldlt @)^*÷!@÷@) b]lv $–!) lhNnf:t/ -:ofªhf,
nflhDkf6, ;+rfns
sf7df8f}+ . sf:sL, kfNkf, ?kGb]xL, slknj:t', bfª,gjnk/f;L,
tgxF, kj{t, / afUn'ª_ sf] ljsf; a}+ssf] ?kdf ljQLo
;]jf k|jfx ug]{ u/L sfo{If]q lj:tf/sf] :jLs[lt kfPsf]
lyof] . o; ljsf; a}+sn] DofUbL lhNnfsf] a]gLdf k|wfg
sfof{no /x]sf] ;fljs lgnlul/ ljsf; a}+s
lnld6]8nfO{ ufe] kZrft ldlt @)&@ cfiff9 @(
ut]b]lv /fli6«o:t/sf] ljsf; a}+ssf] ?kdf kl/0ft
ePsf] xf] .
13
-u_ ;+ul7t ;++:yfsf] ;~rfns cGo s'g} sDkgL, ;++:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;~rfns / cfj4 ePsf]
;+:yfsf] gfd, 7]ufgf M
qm=;= ;+rfnssf] gfd, 7]ufgf cfa4 /x]sf] ;+:yfsf] gfd, 7]ufgf
! >L ;"o{ s'df/L >]i7, sf=d=kf=$,rKkn sf/vfgf,sf7df8f}+ ;+rfns cf]d x]Ny SofDk;, sf7df8f}+
@ >L gLnLdf sfkm\n], sf=d=g=kf=!), sf7df8f}+ cWoIf dfn>L sfkm\n] ddf]/Lon 6«:6,
dxf;lrj dlxnf cfbz{ ;]jf s]Gb|, a'¢gu/ sf7df8f}+
# ;+rfns dlxnf cfbz{ ;]jf s]Gb| sf7df8f}+,
ljleGg hnljB't kl/of]hgfsf] sfo{sf/L cWoIf,
>L ;';g sdf{rfo{ nlntk'/ d=kf=@@, nlntk'/ cWoIf cf]h:jL o'lkle;L sDkgL k|f=ln=,
;+rfns >L nflnu'/f; pRr df=lj,nlntk'/,
$ ;+rfns dlxnf cfbz{ ;]jf s]Gb|, a'¢gu/ sf7df8f}+
>L k|ef lwtfn, sf=d=kf=#!, gofF jfg]Zj/, sf7df8f}+ lgb]{zs lqd'lt{ ;]So'l/6L sDkgL,
lgb]{zs k'Go /fhg kmfp08];g
gf]6 M o; sDkgLsf] ;+rfnsx?sf] ;DaGwdf æ;"rLs[t ;+ul7t ;+:yfx?sf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf,
@)&$Æ sf] Joj:yfx? tyf sDkgL P]g, @)^# sf] bkmf *( sf] pkbkmf -!_ 5 sf] kfngf ePsf] 5 .
-3_ ;+:yfks÷;~rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M

s_ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt glnO{ o; n3'ljQ ljQLo ;+:yfsf] z]o/ s'g} ljb]zL a}+s jf ljQLo
;+:yfnfO{ laqmL jf x:tfGt/0f ul/g] 5}g .
v_ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt glnO{ ;+:yfks / ;j{;fwf/0f ;d"xsf] z]o/ :jfldTj cg'kftdf kl/jt{g ug{
kfOg] 5}g .
u_ n3'ljQ ljQLo ;+:yfn] sf/f]af/ ;+rfng u/]sf] kfFr jif{ gk'u];Dd ;f] ;+:yfsf] ;+:yfksn] cfˆgf] z]o/
laqmL jf lwtf]aGws /fVg kfpg] 5}g / pQm cjlwkl5 To:tf] z]o/ laqmL ubf{ jf lwtf]aGws /fVg'kbf{ g]kfn
/fi6« a}+ssf] k"j{ :jLs[lt lng' kg]{5 . o; Joj:yf adf]lhd n3'ljQ ljQLo ;+:yfn] sf/f]af/ ;+rfng u/]sf]
kfFr jif{ gk'u] tfklg n3'ljQ ljQLo ;+:yfsf] ;+rfngdf s'g} afwf Jojwfg pTkGg eO{ ljz]if kl/l:yltsf]
;[hgf x'g uPdf g]kfn /fi6« a}+ssf] :jLs[lt lnO{ ;+:yfksx?sf aLrdf z]o/ v/Lb laqmL ug{ ;lsg]5 .
t/ To;/L xs 5f]8\bf jf x:tfGt/0f ubf{ klxnf] k|fyldstf h'g ;d"xsf] z]o/ xf] ;f]xL ;d"xsf
z]o/wgLx?nfO{ lbg' kg]{5 . ;d"x leq pk;d"x /x]sf] cj:yfdf h'g pk;d"xsf] z]o/ xf] ;f]xL pk;d"xsf
z]o/wgLnfO{ k|fyldstf lbOg]5 . o;/L z]o/ laqmL ubf{ Ps eGbf a9L z]o/wgLn] z]o/ v/Lbug{ rfx]df
lghn] wf/0f u/]sf] z]o/sf] cg'kftdf ljt/0f ug'{ kg]{5 . ;f] ;d"xsf s'g} klg ;+:yfks z]o/wgLn] z]o/
lng] OR5f gu/]df dfq To:tf] z]o/ g]kfn /fi6« a}+ssf] :jLs[lt lnO{ ;+rfns ;ldltsf] lg0f{o adf]lhd cGo
JolQm, kmd{, sDkgL jf ;+:yfnfO{ laqmL ug{ ;lsg] 5 .
3_ s'g} ;+:yfks z]o/wgLsf] d[To' ePdf jf k|rlnt sfg"g adf]lhd kfl/jfl/s c+zj08f ePdf jf cbfntsf]
cfb]zn] lghsf] z]o/ xsjfnfdf gfd;f/L x'g] ePdf v08 -u_ sf] aGb]h nfu" x'g] 5}g .
ª_ ;j{;fwf/0fn] z]o/ v/Lb ubf{ !) c+sn] efu ubf{ z]if g/xg] u/L Go"gtd !) lsQf z]o/ jf clwstddf
ljj/0fkqdf tf]lsP adf]lhd z]o/ v/Lb ug{sfnflu lgj]bg ug{ ;Sg]5 .
t/ xsk|b z]o/sf] xsdf of] aGb]h nfu" x'g] 5}g .
r_ n3'ljQ ljQLo ;+:yfsf ;+rfns, sfo{sf/L k|d'v, n]vfk/LIfs, ;lrj jf n3'ljQ ljQLo ;+:yfsf] Joj:yfkg
tyf n]vf;DaGwL sfo{df k|ToIf?kn] ;+nUg JolQmn] To:tf] kbdf axfn /xFbfsf] avt jf To:tf] kbaf6
cjsf; k|fKt u/]sf] sDtLdf Ps jif{;Dd ;DalGwt n3'ljQ ljQLo ;+:yf jf To;sf] ;xfos sDkgLsf]
z]o/ cfˆgf] jf cfˆgf] kl/jf/sf] lgoGq0fdf /x]sf] kmd{, sDkgL jf ;+:yfsf] gfddf v/Lb laqmL ug{, u/fpg,
ug{ lbg, lwtf]aGws /fVg, /fVg nufpg jf bfg as; lng, lbg jf n]gb]g ug{' x'Fb}g . t/, gofF z]o/ hf/L
u/]sf] cj:yfdf of] k|ltjGw nfu" x'g] 5}g .
5_ s;}n] v08 -r_ ljkl/t sfd u/]df To:tf] z]o/ o; n3'ljQ ljQLo ;+:yfn] hkmt ug]{5 / To;/L hkmt
ePsf] z]o/ ;+rfns ;ldltn] plrt 7x¥ofPsf] lsl;daf6 laqmL ljt/0f ug{ ;Sg]5 .
h_ z]o/ v/Lb jf x:tfGt/0f ug{ aGb]h ;DaGwL cGo Joj:yf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&#,
sDkgL sfg"g, lwtf]kq sf/f]af/ ;DjGwL sfg"g tyf cGo k|rlnt sfg"gdf pNn]v eP adf]lhd x'g]5 .
14
em_ a}+s tyf ljQLo ;+:yf ;DaGwL P]g @)&#, sDkgL P]g @)^#, lwtf]kq sf/f]af/ ;DaGwL sfg"g tyf cGo
k|rlnt sfg"gsf] clwgdf /xL ;fljssf ;+:yfks z]o/wgLx?n] xsk|b z]o/ vl/b ug]{ xs cGo s'g} JolQm
jf ;+:yfnfO{ x:tfGt/0f ug]{ ePdf k|rlnt sfg"g, ljBdfg gLltut Joj:yf tyf g]kfn /fi6« a}+saf6 hf/L
ul/Psf] lgb]{zgsf] clwgdf /xL cfˆgf] ;Dk"0f{ jf cf+lzs xs s'g} JolQm jf ;+:yfnfO{ xs x:tfGt/0f
ug{ ;lsg] 5 .
ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#Æ sf] lgod #*-!_ df ePsf] Joj:yf cg'?k o; ljj/0fkq
dfkm{t ;j{;fwf/0fsf nflu lgisfzg ug{ nfluPsf] ;fwf/0f z]o/ afF8kmFf6 ePsf] ldltn] tLg jif{ k"/f geO{
o; sDkgLsf ;+:yfks z]o/wgL tyf sd{rf/Lx?n] laqmL ug{ kfOg] 5}g . ljQLo ;+:yfn] ;+rfng u/]sf] kfFr
jif{ gk'u];Dd ;f] ;+:yfsf] ;+:yfksn] cfˆgf] z]o/ laqmL jf lwtf]aGws /fVg kfpg] 5}g .
v_ ;+:yfks÷;~rfns;Fusf] sf/f]af/ M
-s_ ;+ul7t ;++:yfaf6 s'g} ;+:yfks÷;~rfnsn] k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/cfly{s_
k|fKt u/]sf] jf k|fKt ug]{ ePdf To:tf] j:t' jf ;'ljwfsf] k|s[lt / d"No / To:tf] ;'ljwf lbP jfkt ljQLo ;+:yfn]
s'g} ;DklQ, ;]jf k|fKt u/]sf] jf ug]{ ePdf tT;DaGwL ljj/0f M
o; ljQLo ;+:yfsf] ;~rfnsx?n] ;~rfns ;ldltsf] a}7s eQf afx]s cGo s'g}klg ;+:yfks jf ;~rfnsn]
o; ;+:yfaf6 k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/ cfly{s_ k|fKt u/]sf 5}gg\ / ;f]
;DaGwdf ljQLo ;+:yfn] ;+:yfks jf ;~rfnsaf6 s'g} ;DklQ jf ;]jf ;d]t k|fKt u/]sf] 5}g.
-v_ aF'bf -s_ df pNn]lvt j:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M ;f] gePsf] .
^= ;Lldt bfloTj ;DaGwL ljj/0f M

cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8, sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cGtu{t
:yflkt tyf ;~rflnt klAns lnld6]8 sDkgL xf] . o; ;+:yfsf z]o/wgLx?sf] bfloTj lghn] v/Lb u/]sf] jf
v/Lb ug{ saf]n u/]sf] z]o/sf] clwstd /sd;Dd dfq l;ldt /xg]5 .
&= ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL hfgsf/L M

s_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0fM
-s_ ;+ul7t ;++:yfsf] pRr Joj:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn] u/]sf]
sfdsf] cg'ej tyf ;+ul7t ;++:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy} To:tf] sd{rf/Lx?
cGo s'g} ;"lrs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL eP jf cGo s'g} ;+ul7t ;+:yfdf nufgL u/]sf]
eP pQm ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] /sd v'nfpg' kg]{ .
z]o/
qm=;+= sd{rf/Lsf] gfd kb of]Uotf lgo'lQm ldlt klxn] u/]sf] sfdsf] cg'ej ;+Vof
n3'ljQ If]qdf #) jif{sf] cg'ej -k|d'v
sfo{sf/L clws[tM cfbz{ n3'ljQ ljQLo
;+:yf ln= k"j{ lgb]{zsM u|fld0f ljsf;
k|d'v sfo{sf/L
!= >L /fh]z zdf{
clws[t
:gftsf]Q/ @)&%÷)$÷)^ n3'ljQ ljlQo ;+:yf ln=, k"j{ lg=k|d'v #)))
sfo{sf/L clws[tM k"jf{~rn u|fld0f ljsf;
a}+s ln=,_ ;fy} , afl0fHo a}+ssf] !! aif{sf]
cg'ej /x]sf] .
jl/i7 s[lif ljsf; a}+s ln=sf] ljsf; a}+lsË, jfl0fHo
>L w'|j s'df/ a}+lsË tyf ;f=ls=lj=cfof]hgf If]qdf clws[t
@= k|aGws÷sDk :gfts @)&%÷)$÷)^ –
alhdo
gL ;lrj :t/ ;lxt #) aif{sf] cg'ej /x]sf] .
>L k'ik /fh :jfnDag n3'ljQ ljsf; a}+s ln=/ ldlynf
#= jl/i7 k|aGws :gfts @)&%÷)(÷@! n3'ljQ ljQLo ;+:yf ln=df u/L !! aif{ clws[t –
9sfn :t/ ;lxt @) aif{ n3'ljQ If]qsf] cg'ej /x]sf] .
;+ul7t ;++:yfsf sd{rf/Lx? cGo ;"rLs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgLsf] ?kdf /x]sf] jf sd{rf/Lx?n]
cGo s'g} ;+ul7t ;+:yfdf u/]sf] nufgL ;DaGwL ljj/0fM;f] gePsf] .
15
-v_ ljj/0fkq af]8{df k|:t't ug'{ eGbf ! jif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] cj:yf afx]s
;+ul7t ;++:yfsf] pRr Joj:yfksLo txdf /x]sf s'g} sd{rf/L kl/jt{g ePdf ;f] ;DaGwL ljj/0f pNn]v ug'{
kg]{M ;f] gePsf] .
-u_ sd{rf/Lsf] ;+VofM

s'n sd{rf/L ;+Vof :yfoL k/LIf0fsfn÷k|lzIffyL{ c:yfoL s/f/÷Hofnfbf/L cGo
37 34 ! – 1 !
gf]6 M sd{rf/Lx?sf nflu ;'/lIft ul/Psf] z]o/ ljQLo ;+:yfsf] ;+rfns ;ldltsf] lg0f{o adf]lhd afF8kmfF6 ul/g]5 .
v_ ;~rfns Pj+ pRr Joj:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0fM
-s_ ;~rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf
lghx?nfO{ k|bfg ul/g] jf ul/Psf] b}lgs tyf e|d0f eQf tyf cGo ;'ljwf M
sDkgLsf] lgodfjnLsf] bkmf #@ df ePsf] Joj:yf adf]lhd ;~rfnsn] kfpg] dfl;s kfl/>lds, a}7s eQf,
b}lgs tyf e|d0f eQf / cGo ;'ljwf ;fwf/0f ;efn] tf]s] cg';f/ b]xfoadf]lhd x'g]5 M
s= b}lgs sfo{ ;~rfngdf sfo{sf/L k|d'vsf] x}l;otn] k|ToIf ?kdf ;+nUg ;+rfnsn] kfpg] dfl;s
kfl/>lds ?= %),)))÷– -cIf/]kL krf; xhf/ ?k}+of dfq_ kfpg]5 / :jb]z tyf ljb]zsf] e|d0f vr{
l6s6 adf]lhdsf] jf:tljs vr{ ePsf] /sdsf] cfwf/df e'QmfgL lbO{g]5 .
v= ;~rfns ;ldltsf] a}7sdf pkl:yt eP jfkt cWoIfn] kfpg] k|lt a}7s eQf ?= %,)))÷– -cIf/]kL
kfFr xhf/ ?k}+of dfq_ / cGo ;+rfnsn] kfpg] k|lt a}7s eQf ?=$,%))÷– -cIf/]kL rf/ xhf/ kfFr
;o ?k}+of dfq_ x'g]5 .
u= n3'ljQ ljQLo ;+:yfsf] sfdsf] l;nl;nfdf ;~rfnsnfO{ k|bfg ul/g] b}lgs tyf e|d0f eQf b]xfo
adf]lhd x'g]5 M
c= :jb]zdf b}lgs eQf ?= !,%))÷– -cIf/]kL Ps xhf/ kfFr ;o dfq_
cf= ef/tdf b}lgs eQf ef=?= !,%))÷– -cIf/]kL Ps xhf/ kfFr ;o dfq_
O= ef/t afx]ssf cGo ljb]zL d'n'sdf b}lgs eQf cd]l/sL 8n/ @%)÷–
O{= e|d0f eQf lan adf]lhd .
gf]6M ;~rfns ;ldltnfO{ k|bfg ul//x]sf] ;'ljwf ;DaGwdf sDkgLsf] lgodfjnLsf] bkmf #@ df ePsf]
Joj:yf afx]s cGo s'g} yk lg0f{o gePsf] .
-v_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf tLg hgf clws[tx?sf] gfd , kb / Ps cfly{s jif{sf] cjlw leq
pgLx?nfO{ kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sdM
qm= kfl/>ldssf] /sd -?=_
Gffd kb
;+= ->fj0f !, @)&& b]lv cfiff9 #!, @)&* ;Dd_
! >L /fh]z zdf{ k|d'v sfo{sf/L clws[t ?= !),&#,(&^÷–
@ >L w'|j s'df/ alhdo jl/i7 k|aGws÷sDkgL ;lrj ?= +&,%^,&(*÷–
# >L k'ik /fh 9sfn jl/i7 k|aGws ?= *,!@,&&^÷–
u_ s'g} clws[t jf ;~rfnsnfO{ eljiosf] nflu s'g} /sd k|bfg ul/g] u/L s/f/ ul/Psf] eP ;f] ;DaGwL ljj/0f
M ;f] gePsf] .
*= cGtlg{lxt hf]lvd tyf ;f]df Joj:yfkgsf nflu Joj:yfkgsf] wf/0ff M ;+ul7t ;+:yfn] axg u/]sf] jf ug]{
hf]lvd :ki6 ?kdf pNn]v ug'{ kg]{ . o; ;Gbe{df hf]lvdx?nfO{ ;+ul7t ;+:yfsf] cfGtl/s jf
Joj;fo÷cfof]hg;Fu k|ToIf cyjf ;+ul7t ;+:yfsf] lgoGq0f eGbf aflx/sf] egL jlu{s/0f u/L k|d'v ?kdf
b]xfosf] hf]lvdsf] ljZn]if0f ug'{ kg]{ .
-s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvd M shf{ nufgLdf cK7\of/f] kg{;Sg] / u|fxs ;b:ox?af6 hDdf
ul/Psf] lgIf]k /sdsf] e'QmfgL lbg ;d:of kg{ ;Sg] hf]lvd /x]sf] .
-v_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd M;f] gePsf] .
16
-u_ pTkfbg jf ;]jfsf] ahf/sf] l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvd M
-!_ cGo n3'ljQ ljQLo ;+:yfx? ;Fusf] k|lt:kwf{af6 x'g;Sg] hf]lvdx? .
-@_ ljQLo ;+:yfn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hf]lvdx? .
-#_ lgIf]k tyf shf{sf] Aofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx? .
-3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clej[l4 (Cost Overrun) sf] hf]lvd M o;
sDkgL g]kfn /fi6« a}+saf6 O{hfhtkq k|fKt u/L æ3Æ ju{sf] ljQLo ;+:yfsf] ?kdf ;~rfng ePsf] x'Fbf
pNn]lvt hf]lvd o; ljQLo ;+:yfdf g/x]sf] .
-ª_ ljb]zL ljlgdosf] hf]lvd Mo; ljQLo ;+:yfn] g]kfn /fi6« a}+saf6 ljb]zL d'b|fsf] sf/f]af/ ug]{ :jLs[lt k|fKt
gu/]sf] x'Fbf ljb]zL ljlgdosf] hf]lvd g/x]sf] .
-r_ sfg"gL k|lqmofx? tyf O{hfht k|fKt ug'{kg]{ eP ;f]af6 kg{ ;Sg] cj/f]wx? M
o; ljQLo ;+:yfn] ljQLo sf/f]af/ ;~rfngsf] nflu ;a} sfg"gL k|lqmofx? k'/f u/L lng'kg]{ O{hfht k|fKt
ul/;s]sf] x'Fbf ;f] k|fKt gu/]sf sf/0faf6 ljQLo ;+:yfsf] sf/f]af/df s'g} cj/f]w kg{ ;Sg] gb]lvPsf] .
-5_ If]qLos/0f / ljZjJofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M

-!_cGt/fl{i6«o ahf/df x'g] dGbLaf6 g]kfnL ahf/df kg{;Sg] c;/af6 x'g] cfly{s hf]lvdx? .
-@_ k"FhL ahf/sf] cj:yfdf cfpg] ptf/–r9fjaf6 kg{;Sg] hf]lvdx? .
-h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjJofkL ?kdf x'g] gLltut kl/jt{gaf6 pTkGg x'g]
hf]lvd M
-!_b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] hf/L ug]{ lgod lgb]{zgsf] kl/jt{gaf6 l;h{gf x'g] ;Defljt
hf]lvdx? .
-@_ b]zsf] j}b]lzs gLltdf x'g;Sg] kl/jt{gaf6 pTkGg x'g;Sg] ;Defljt hf]lvdx? .
-#_ g]kfn ;/sf/ tyf cGo lgodg lgsfox?sf] cfly{s tyf ljQLo gLlt lgoddf x'g] kl/jt{gaf6 l;h{gf
x'g;Sg] ;Defljt hf]lvdx? .
-em_ ;~rfng Oltxf;sf] cefj M

ljutdf ;fdflhs ;+:yfsf] ¿kdf sfo{/t dlxnf cfbz{ ;]jf s]Gb|n] g]kfn /fi6« a}+saf6 ljQLo dWo:tstf{sf]
O{hfht k|fKt u/L @)%* ;fnb]lv ub}{ cfPsf] n3'ljQ sfo{qmd ?kfGt/0f eO{cfPsf] o; n3'ljQ ljQLo
;+:yfn] :yfgLo ;|f]t, ;fwg, ;Lk, >d / k"FhLsf] kl/rfngåf/f ;fdflhs tyf cfly{s ?kn] ljkGg ju{sf]
nflu cfod"ns Joj;fo ;+rfng ug{ cfjZos kg]{ n3'ljQ ;]jf pknAw u/fO{ cfo :t/df j[l4 Nofpg]
p2]Zo lnO{ sDkgL P]g, @)^# adf]lhd ldlt @)&%÷)@÷)( ut] sDkgL /lhi6«f/sf] sfof{nodf btf{ ePsf]
/ g]kfn /fi6« a}+sjf6 ldlt @)&%÷)&÷@% df æ3Æ ju{sf] n3'ljQ ljQLo ;+:yfsf] ?kdf Ohfhtkqk|fKt
u/]sf] o; cfbz{ n3'ljQ ljQLo ;+:yf lnld6]8n] ldlt @)&%÷)(÷)! ut] b]lv cf}krfl/s ?kdf n3'ljQ
sf/f]af/ z'? u/]sf]n] ;~rfng ;DaGwL cg'ejsf] cefj g/x]sf] b]lvG5 .
-`_ k|ljlwsf] kl/jt{gaf6 x'g ;Sg] hf]lvd M

-!_k|ljlw ;DaGwL kl/jt{gaf6 ljQLo ;+:yfsf] ;~rfng tyf sf/f]af/ k|0ffnLdf hf]lvd /xg' :jefljs g}
xf] . ljQLo ;+:yfn] k|of]u ug]{ ;ˆ6j]o/ -Pdlkmg Kn;_ df k|ljlwsf] kl/jt{gaf6 cfpg ;Sg] hf]lvd
Joj:yfkgsf nflu tYofÍx?sf] ;'/Iffy{ Data Backup df ljz]if ;ts{tf ckgfO{Psf] 5 / To;af6
hf]lvdnfO{ Go"lgs/0f ug{ ljQLo ;+:yf ;Ifd /x]sf] 5 . o; ljQLo ;+:yfsf u|fxs ;b:o;Fusf] sf/f]af/
tyf clen]v Aoj:yf / ;"rgf k|0ffnLnfO{ Jojl:yt ug{ ;a} zfvf sfof{nox?df cgnfOg k|0ffnLsf] l;glh{
6]s ;km\6j]o/ sDkgLsf] Pdlkmg Kn; ;km\6j]o/ dfkm{t sf/f]af/ cBfjlws ul/Psf] 5 .
-6_ lwtf]kqsf] d"No kl/jt{g ;DaGwL hf]lvd M

¿=!)) k|lt z]o/sf] b/n] lgisfzg ul/Psf] d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]af/n]
z]o/ d"Nodf x'g;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .
17
-7_ cGo M
-!_ b]zsf] /fhg}lts cl:y/tfaf6 cfpg ;Sg] hf]lvdx? .
-@_ b]zsf] cfly{s cj:yfdf cfpg] ptf/–r9fjaf6 x'g;Sg] hf]lvdx? .
-#_ sf]le8 !( af6 kg{ ;Sg] c;/ M xfn ljZjJofkL dxfdf/Lsf] ?kdf km}lnPsf] sf]le8 !( n] ubf{ sf]xL
c5'tf] /xg g;s]sf] cj:yfdf o; ljQLo ;+:yfsf u|fxs ;b:ox?n] b}lgs ?kdf ;+rfng ug]{ Jofkf/,
Joj;fo tyf cfj4 /x]sf] pBf]uwGbf cflb nfdf] ;do;Dd aGb /x]sf] sf/0fn] pTkGg ePsf] k|efj o;
ljQLo ;+:yfnfO{ klg k/]sf] 5 . cy{tGqsf] ;du| If]qdf kg{ uPsf] nfdf] ;dosf] c;/n] ubf{ shf{ c;'nL
k|s[ofdf s]lx dfqfdf c;/ k/]sf] 5 . pQm kl/l:ytLsf] sf/0f k/]sf] k|efjsf] c;/ s]lx ;do /xg ;Sg]
b]lvPsf]n] pQm r'g}ltsf] ;fdgf ub}{ hfg'kg]{ b]lvG5 .
pk/f]Qmfg';f/sf] hf]lvdx?nfO{ Go"g jf Joj:yfkg ug]{ ;DaGwdf Joj:yfkgsf] of]hgf M

o; ljQLo ;+:yfn] n3'ljQ sf/f]af/ ;'rf? ?kn] ;+rfng ug'{sf] ;fy} cfˆgf u|fxsx?nfO{ h'g;'s} a]nf
;'ljwfo'Qm ;]jfx? pknAw u/fpg tyf eljiodf kg{;Sg] /f]u Pj+ k|fs[lts ljkQLn] shf{ pkef]u u/]sf]
s'g} u|fxssf] d[To' eO{ x'g ;Sg] hf]lvdx?sf] nflu ljQLo ;+:yfn] aLdf sDkgL dfkm{t ;b:ox?sf] shf{
/sd a/fj/sf] hLjg aLdf u/fO{lbg] Joj:yf u/]sf] 5 . ljQLo ;+:yfn] ljQ ahf/df x'g] k|lt:kwf{sf] ;fy}
If]qLos/0f / ljZjJofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hf]lvdx? Go"gLs/0f ug{sf
nflu hgzlQm ljsf;df Wofg k'¥ofpg'sf] ;fy} cGo Jofj;flos hf]lvdx?af6 l;h{gf x'g ;Sg] xflg–
gf]S;fgLsf] nflu Joj:yfkg rgfvf] eO{ ;Defljt xflg–gf]S;fgL sd ug{ ;Ifd / k|lta4 5 . To:t} cGo
ljleGg hf]lvdx? Go"gLs/0fsf nflu k|efjsf/L cfGtl/s lgoGq0f k|0ffnL, ;dofg';f/sf] cfw'lgs k|ljlw,
:ki6 gLlt tyf lgodx?sf] lgdf{0f Pjd\ ;dofg';f/ cfˆgf] ;]jf tyf ;'ljwfx?df kl/jt{g ub}{ nlug]
ljQLo ;+:yfsf] gLlt /x]sf] 5 .
ljQLo ;+:yfn] cfˆgf C0fL ;b:ox?sf] d[To"af6 x'g ;Sg] hf]lvdsf] Go"lgs/0fsf nflu ;"of{ nfO{km
O{G:of]/]G; sDkgL lnld6]8;+u aLdfsf] nflu -;"of{ nfO{km O{G:of]/]G;, clestf{ / cfbz{ n3'ljQ ljQLo
;+:yf ln= aLr_ qLkIfLo ;Demf}tf u/]sf] 5 .
;fy}, sf]le8 !( af6 kg{;Sg] hf]lvd Go"lgs/0fsf] nflu o; ljQLo ;+:yfn] u|fxs;+u lgoldt ;Dks{df
/xg] shf{sf] ljljlws/0f ug]{, lgofds lgsfon] lgb]{zg u/] adf]lhd shf{sf] nflu hf]lvd Joj:yf ug]{
tyf shf{ e'QmfgLsf] cjlw leqd} shf{ e'Qmfg ug{ u|fxsnfO{ k|]l/t ug]{ h:tf pkfox? cjnDag ul//x]sf]
5 . o;sf cltl/Qm ljQLo ;+:yfn] hf]lvd Go"gLs/0fsf nflu o; ;+:yfsf u|fxs ;b:ox?sf] kl/of]hgf
tyf Joj:ffodf k|lts'n c;/ k/]sf] cj:yfdf /fxt pknAw u/fpg] p2]Zon] @)&* a}zfv !^ ut]b]lv
@)&* cfiff9 d;fGt cjlwsf] ls:tf -;fFjf / Jofh_ @)&* cfiff9 d;fGt leq a'emfpbf C0fL ;b:onfO{
;f] cjlwdf kfs]sf] Jofhdf %Ü 5'6 k|bfg ug'{sf] ;fy} @)&* cfiff9 dlxgfdf nufgL ePsf ;Dk"0f{ lzif{ssf
shf{x?df )=%Ü ;]jf z'Ns 5'6 k|bfg u/]sf] 5 .
lwtf]kqsf]] d"No kl/jt{g ;DaGwL hf]lvd M

?= !)) k|lt z]o/sf] b/n] lgisfzg ul/Psf] d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]af/n] z]o/ d"Nodf
x'g ;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .
18
(= ljQLo ljj/0fM
s_ ljQLo ljj/0f / tT;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f M
-s_ ;+ul7t ;+:yfsf] n]vfk/LIf0f ePsf] kl5Nnf] cfly{s jif{sf] -jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg
lx;fa afF8kmfF6 / gub k|jfx ljj/0f M
o; sDkgLsf] cf=j=@)&&÷)&* sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf—gf]S;fg lx;fa, gfkmf—gf]S;fg afF8kmfF6
lx;fa tyf gub k|jfxsf] ljj/0f lgDgfg';f/ 5 M
jf;nft -@)&* cfiff9 d;fGt_
jf:tljs -?=xhf/df_
ljj/0f 2077÷078
k"FhL tyf bfloTj
z]o/ k"FhL 14,000.00
hu]8f tyf sf]ifx? 6,098.75
C0fkq tyf aG8 -
ltg{ afFsL shf{ ;fk6 98,833.40
lgIf]k bfloTj 1,19,023.93
k|:tfljt nfef+z -
cfos/ bfloTj 579.58
cGo bfloTj 2,249.83
s'n k"FhL tyf bfloTj 2,40,785.49
;DklQ
gub df}Hbft -
g]kfn /fi6« a}+sdf /x]sf] df}Hbft -
a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 10,880.32
dfu tyf cNk ;"rgfdf k|fKt x'g] /sd -
nufgL -
shf{ ;fk6 2,25,750.88
l:y/ ;DklQ 1,771.50
u}/–a}+lsË ;DklQ -
cGo ;DklQ 2,382.79
s'n ;DklQ 2,40,785.49
gfkmf–gf]S;fg lx;fa ->fj0f !, @)&& b]lv cfiff9, #! @)&* ;Dd_

jf:tljs -?=xhf/df_
ljj/0f 2077÷078
Aofh cfDbfgL 26,326.85
Aofh vr{ 11,003.66
v'b Aofh cfDbfgL 15,323.19
sldzg tyf cGo ;~rfng cfDbfgL 6,241.63
;6xL 36a9 cfDbfgL -
s'n ;~rfng cfDbfgL 21,564.82
sd{rf/L vr{ 13,307.12
cGo ;~rfng vr{ 5,009.35
;6xL 36a9 gf]S;fg -
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 3,248.35
;Defljt gf]S;fgL Joj:yfx? 2,073.43
;~rfng d'gfkmf 1,174.92
u}/ ;~rfng cfDbfgL÷vr{ -
;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 49.94
lgoldt sf/f]af/af6 ePsf] d'gfkmf 1,224.86
c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷vr{ -
;Dk'0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 1,224.86
19
sd{rf/L af]g; Joj:yf 122.49
cfos/ Joj:yf 384.44
o; jif{sf] s/ Joj:yf 579.58
ljut jif{;Ddsf] s/ Joj:yf -
o; jif{sf] :yug s/ cfDbfgL÷-vr{_ (195.14)
v'b gfkmf÷gf]S;fg 717.93
gfkmf–gf]S;fg afF8kmfF6 lx;fa ->fj0f !, @)&& b]lv cfiff9, #! @)&* ;Dd_

jf:tljs -?=xhf/df_
ljj/0f 2077÷078
cfDbfgLM
ut jif{;Ddsf] ;l~rt d'gfkmf 2,144.27
o; jif{sf] d'gfkmf 717.94
;6xL 36a9 sf]if -
z]o/ lk|ldodaf6 ;fl/Psf] -
u|fxs ;+/If0f sf]ifaf6 ;fl/Psf] -
;+:yfut ;fdflhs pQ/bfloTj sf]if pkof]u -
hDdf 2,862.21
vr{M
ut jif{ ;Ddsf] ;l~rt gf]S;fg -
o; jif{sf] gf]S;fg -
;fwf/0f hu]8f sf]if 143.59
e}k/L cfpg] hu]8f sf]if -
;+:yf ljsf; sf]if -
nfef+z ;dLs/0f sf]if -
sd{rf/L ;DaGwL hu]8fx? -
k|:tfljt nfef+z -
k|:tfljt af]g; z]o/ -
ljz]if hu]8f sf]if -
;6xL 36a9 sf]if -
k"FhL lkmtf{ hu]8f sf]if -
k"FhL ;dfof]hg sf]if -
:yug s/ hu]8f sf]if 195.14
u|fxs ;+/If0f sf]if 7.18
;+:yfut ;fdflhs pQ/bfloTj sf]if 7.18
hDdf 353.09
;l~rt d'gfkmf÷-gf]S;fg_ 2,509.12
gub k|jfxsf] ljj/0f ->fj0f !, @)&& b]lv cfiff9, #! @)&* ;Dd_

jf:tljs -?=xhf/df_
ljj/0f 2077÷078
sf/f]af/ ;+rfngaf6 gub k|jfx (17,675.92)
gub k|fKtL 32,568.48
sldzg tyf l8isfp06 cfDbfgL 6,241.63
ljb]zL ljlgdo sf/f]af/af6 cfDbfgL -
ckn]lvt shf{sf] c;'nL -
cGo cfDbfgL -
gub e'QmfgL 29,300.81
Aofh vr{ 11,003.67
sd{rf/L vr{ 12,850.62
sfof{no ;+rfng vr{ 5,205.66
cfos/ e'QmfgL 240.86
cGo vr{ -
20
sfo{ut k"FhL ultljlw cl3sf] gub k|jfx 3,267.67
;~rfng ;DalGw rfn' ;DklQdf sdL÷-j[l4_ (1,07,235.14)
dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ -
cGo cNksfnLg nufgLdf sdL÷-j[l4_ -
shf{df tyf ljN; vl/bdf sdL÷j[l4_ (1,05,775.67)
cGo ;DklQdf sdL÷-j[l4_ (1,459.47)
;~rfng ;DalGw rfn' bfloTjdf -sdL_÷j[l4 86,291.55
lgIf]k bfloTjdf -sdL_÷j[l4_ 10,257.61
;l6{lkms]6 ckm l8kf]lhtdf -sdL_÷j[l4_ -
cNksfnLg ;fk6Ldf -sdL_÷j[l4_ 76,272.01
cGo bfloTjdf -sdL_÷j[l4_ (238.07)
nufgL sf/f]af/df gub k|jfx (724.59)
bL3{sfnLg nufgLdf sdL÷-j[l4_ -
z]o/ tyf l8a]~r/ ljlqmaf6 k|fKt /sd -
:yL/ ;DklQdf sdL÷-j[l4_ (724.59)
bL3{sfnLg nufgLdf Aofh cfDbfgL -
nfef+z cfDbfgL -
cGo -
ljQLo sf/f]af/af6 gub k|jfx -
bL3{sfnLg C0f -j08, l8j]Gr/, cflb_ df j[l4÷-sdL_ -
z]o/ k"FhLdf j[l4÷-sdL_ -
z]o/ lk|ldoddf j[l4÷-sdL_ -
Nfef+; e'QmfgL -
dh{/ kl5 z]o/ k'FhL tyf sf]ifdf ePsf] kl/jt{gsf] ;dfof]hg -
g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k"g/shf{df j[l4÷-sdL_ -
gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ -
o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx (18,400.52)
gub tyf a}+sdf /x]sf] z"?sf] Dff}Hbft 29,280.84
gub tyf a}+sdf /x]sf] clGtd df}Hbft 10,880.32
-v_ ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt e}g;s]sf] cj:yfdf
;~rfng cjlwe/sf] n]vfk/LIf0f ePsf] gfkmf gf]S;fg, jf;nft ;lxtsf] ;+lIfKt ljQLo ljj/0fM
o; sDkgLn] n3'ljQ ljQLo ;+:yfsf] ?kdf cfˆgf] sf/f]af/ @)&%÷)@÷)( ut]b]lv k|f/De u/]sf] x'Fbf
sDkgLsf] cf=j= @)&%÷)&^, @)&^÷)&& / @)&&÷)&* sf] n]vfkl/If0f eO;s]sf]n] jf:tljs ljQLo
ljj/0f tof/ u/L pQm cjlwsf] jf;nft, gfkmf gf]S;fg lx;fa / gfkmf gf]S;fg afF8kmfF6sf] ljQLo ljj/0f
b]xfo adf]lhd k|:t't ul/Psf] 5 .
jf;nft
jf:tljs -?=xhf/df_
ljj/0f 2075÷076 2076÷077 2077÷078
k"FhL tyf bfloTj
z]o/ k"FhL 14,000.00 14,000.00 14,000.00
hu]8f tyf sf]ifx? 1,731.72 5,577.12 6,098.75
C0fkq tyf aG8 - - -
ltg{ afFsL shf{ ;fk6 25,000.00 22,561.40 98,833.40
lgIf]k bfloTj 88,390.26 1,08,766.31 1,19,023.93
k|:tfljt nfef+z - - -
cfos/ bfloTj 742.16 436.00 579.58
cGo bfloTj 4,129.14 1,908.92 2,249.83
s'n k"FhL tyf bfloTj 1,33,993.28 1,53,249.75 2,40,785.49
;DklQ
gub df}Hbft 9.07 - -
g]kfn /fi6« a}+sdf /x]sf] df}Hbft - - -
a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 27,566.41 29,280.84 10,880.32
dfu tyf cNk ;"rgfdf k|fKt x'g] /sd - - -
nufgL - - -
21
shf{ ;fk6 1,04,456.53 1,21,998.69 2,25,750.88
l:y/ ;DklQ 713.80 1,037.68 1,771.50
u}/–a}+lsË ;DklQ - - -
cGo ;DklQ 1,247.47 932.54 2,382.79
s'n ;DklQ 1,33,993.28 1,53,249.75 2,40,785.49
gfkmf gf]S;fg lx;fa

jf:tljs -?=xhf/df_
ljj/0f 2075÷076 2076÷077 2077÷078
Aofh cfDbfgL 15,373.44 23,680.78 26,326.85
Aofh vr{ 5,193.01 10,491.62 11,003.66
v'b Aofh cfDbfgL 10,180.43 13,189.16 15,323.19
sldzg tyf cGo ;~rfng cfDbfgL 2,159.23 4,311.19 6,241.63
;6xL 36a9 cfDbfgL - - -
s'n ;~rfng cfDbfgL 12,339.66 17,500.35 21,564.82
sd{rf/L vr{ 5,779.41 10,354.67 13,307.12
cGo ;~rfng vr{ 3,108.43 3,225.80 5,009.35
;6xL 36a9 gf]S;fg - - -
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 3,451.82 3,919.88 3,248.35
;Defljt gf]S;fgL Joj:yfx? 730.55 2,709.42 2,073.43
;~rfng d'gfkmf 2,721.27 1,210.46 1,174.92
u}/ ;~rfng cfDbfgL÷vr{ - - -
;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ - 388.22 49.94
lgoldt sf/f]af/af6 ePsf] d'gfkmf 2,721.27 1,598.68 1,224.86
c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷vr{ - - -
;Dk'0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 2,721.27 1,598.68 1,224.86
sd{rf/L af]g; Joj:yf 247.39 145.33 122.49
cfos/ Joj:yf 742.16 436.00 384.44
o; jif{sf] s/ Joj:yf 742.16 436.00 579.58
ljut jif{;Ddsf] s/ Joj:yf - - -
o; jif{sf] :yug s/ cfDbfgL÷-vr{_ - - (195.14)
v'b gfkmf 1,731.72 1,017.34 717.93
gfkmf gf]S;fg afF8kmfF6 lx;fa

jf:tljs -?=xhf/df_
ljj/0f
2075÷076 2076÷077 2077÷078
cfDbfgLM
ut jif{;Ddsf] ;l~rt d'gfkmf - 1,350.74 2,144.27
o; jif{sf] d'gfkmf 1,731.72 1,017.34 717.93
;6xL 36a9 sf]if - - -
z]o/ lk|ldodaf6 ;fl/Psf] - - -
u|fxs ;+/If0f sf]ifaf6 ;fl/Psf] - - -
;+:yfut ;fdflhs pQ/bfloTj sf]ifaf6 ;fl/Psf] - - -
hDdf 1,731.72 2,368.08 2,862.20
vr{M
ut jif{ ;Ddsf] ;l~rt gf]S;fg - - -
o; jif{sf] gf]S;fg - - -
;fwf/0f hu]8f sf]if 346.34 203.47 143.59
e}k/L cfpg] hu]8f sf]if - - -
;+:yf ljsf; sf]if - - -
nfef+z ;dLs/0f sf]if - - -
sd{rf/L ;DaGwL hu]8fx? - - -
k|:tfljt nfef+z - - -
k|:tfljt af]g; z]o/ - - -
ljz]if hu]8f sf]if - - -
22
;6xL 36a9 sf]if - - -
k"FhL lkmtf{ hu]8f sf]if - - -
k"FhL ;dfof]hg sf]if - - -
:yug s/ hu]8f sf]if - - 195.14
u|fxs ;+/If0f sf]if 17.32 10.17 7.18
;+:yfut ;fdflhs pQ/bfloTj sf]if 17.32 10.17 7.18
hDdf 380.98 223.82 353.09
;l~rt d'gfkmf÷-gf]S;fg_ 1,350.74 2,144.27 2,509.12
gub k|jfxsf] ljj/0f

jf:tljs -?=xhf/df_
ljj/0f 2075÷076 2076÷077 2077÷078
sf/f]af/ ;+rfngaf6 gub k|jfx 4,202.94 2,442.74 (17,675.92)
gub k|fKtL 17,532.68 27,991.97 32,568.48
Aofh cfDbfgL 15,373.44 23,680.78 26,326.85
sldzg tyf l8isfp06 cfDbfgL 2,159.23 4,311.19 6,241.63
ljb]zL ljlgdo sf/f]af/af6 cfDbfgL - - -
ckn]lvt shf{sf] c;'nL - - -
cGo cfDbfgL - - -
gub e'QmfgL 14,750.27 20,985.74 29,300.81
Aofh vr{ 5,193.01 10,491.62 11,003.67
sd{rf/L vr{ 6,026.80 9,759.65 12,850.62
sfof{no ;+rfng vr{ 2,788.30 (7.69) 5,205.66
cfos/ e'QmfgL 742.16 742.16 240.86
cGo vr{ - - -
sfo{ut k"FhL ultljlw cl3sf] gub k|jfx 2,782.41 7,006.23 3,267.67
;~rfng ;DalGw rfn' ;DklQdf sdL÷-j[l4_ (46,360.54) (19,540.36) (1,07,235.14)
dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷- - - -
j[l4_
cGo cNksfnLg nufgLdf sdL÷-j[l4_ - - -
shf{df tyf ljN; vl/bdf sdL÷j[l4_ (50,404.50) (19,863.36) (1,05,775.67)
cGo ;DklQdf sdL÷-j[l4_ 4,043.95 323.10 (1,459.47)
;~rfng ;DalGw rfn' bfloTjdf -sdL_÷j[l4 47,781.08 14,976.87 86,291.55
lgIf]k bfloTjdf -sdL_÷j[l4_ 22,719.92 20,376.06 10,257.61
;l6{lkms]6 ckm l8kf]lhtdf -sdL_÷j[l4_ - - -
cNksfnLg ;fk6Ldf -sdL_÷j[l4_ 25,000.00 (2,438.60) 76,272.01
cGo bfloTjdf -sdL_÷j[l4_ 61.16 (2,960.58) (238.07)
nufgL sf/f]af/df gub k|jfx (879.01) (737.37) (724.59)
bL3{sfnLg nufgLdf sdL÷-j[l4_ - - -
z]o/ tyf l8a]~r/ ljlqmaf6 k|fKt /sd - - -
:yL/ ;DklQdf sdL÷-j[l4_ (879.01) (737.37) (724.59)
bL3{sfnLg nufgLdf Aofh cfDbfgL - - -
nfef+z cfDbfgL - - -
cGo - - -
ljQLo sf/f]af/af6 gub k|jfx 14,000.00 - -
bL3{sfnLg C0f -j08, l8j]Gr/, cflb_ df j[l4÷- - - -
sdL_
z]o/ k"FhLdf j[l4÷-sdL_ 14,000.00 - -
z]o/ lk|ldoddf j[l4÷-sdL_ - - -
Nfef+; e'QmfgL - - -
dh{/ kl5 z]o/ k'FhL tyf sf]ifdf ePsf] kl/jt{gsf] - - -
;dfof]hg
g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k"g/shf{df - - -
j[l4÷-sdL_
gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] - - -
km/saf6 cfDbfgL÷vr{
23
o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 17,323.94 1,705.36 (18,400.52)
gub tyf a}+sdf /x]sf] z"?sf] Dff}Hbft 10,251.54 27,575.48 29,280.84
gub tyf a}+sdf /x]sf] clGtd df}Hbft 27,575.48 29,280.84 10,880.32
Gff]6 M g]kfn /fi6« a}+sn] æ3Æ ju{sf] Ohfhtkqk|fKt n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg,@)&* sf] lgb]{zg
g+=$ ! u df æo; a}+ssf] lgb]{zgdf tf]lsPsf] cj:yfdf afx]s ljQLo ljj/0fx? g]kfn n]vf dfkb08 (NAS) cg';f/ tof/
ug'{kg]{5 . g]kfn n]vf dfkb08n] ;dfj]z gu/]sf If]qx?df cGt/f{li6«o n]vf dfkb08 (IAS/IFRSs) nfO{ cfwf/sf] ?kdf lng'
kg]{5 . yf]s shf{ sf/f]jf/ ug]{ / ;j{;fwf/0faf6 lgIf]k ;+sng ug]{ n3'ljQ ljQLo ;+:yfx?n] cfly{s jif{ @)&*÷)&( / ;f]
kZrft\sf ljQLo ljj/0f g]kfn ljQLo k|ltj]bgdfg (NFRSs) cg';f/ tof/ ug'{ kg]{5 . ;fy}, /fli6«o:t/sf n3'ljQ ljQLo
;+:yfn] @)&( c;f/ d;fGtsf] ljQLo ljj/0f g]kfn ljQLo k|ltj]bgdfg (NFRSs) cg';f/ ;d]t ;dfgfGt/ ?kdf tof/ ug'{
kg]{5 .Æ eGg] Joj:yf /x]sf] x'Fbf ;f]xL Joj:yf cg';f/ o; n3'ljQ ljQLo ;+:yf k|b]z :t/sf] Ohfhtkqk|fKt ljQLo ;+:yf
/x]sf]n] ljQLo ljj/0fx? g]kfn n]vf dfkb08 (NAS) cg';f/ tof/ ul/Psf] xf] .
-u_ cfly{s jif{ ;dfKt ePsf] ^ dlxgf kZrft\ ljj/0fkq :jLs[tLsf] nfuL k]z u/]df pQm cGtl/d cjlwsf] nflu n]vfkl/Ifsaf6
k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0f M
o; sDkgLsf] cf=j @)&*÷&( sf] r}q d;fGt ;Ddsf] n]vfkl/Ifs tyf Joj:yfkgaf6 k|dfl0ft ul/Psf -ljQLo ljj/0fx?_
ckl/is[t jf;nft, gfkmf—gf]S;fg lx;fa tyf gub k|jfx ljj/0fx? b]xfo adf]lhd /x]sf 5g\ .
jf;nft
@)&* r}q d;fGt ;Ddsf]
ljj/0f cf=j=2078÷79* r}q d;fGt ;Dd -?= xhf/df_
k"FhL tyf bfloTj
z]o/ k"FhL 14,000.00
hu]8f tyf sf]ifx? 8,362.92
C0fkq tyf aG8 -
ltg{ afFsL shf{ ;fk6 1,20,111.61
lgIf]k bfloTj 1,37,604.74
k|:tfljt nfef+z -
cfos/ bfloTj 927.59
cGo bfloTj 2,331.41
s'n k"FhL tyf bfloTj 2,83,338.27
;DklQ
gub df}Hbft 61.77
g]kfn /fi6« a}+sdf /x]sf] df}Hbft -
a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 9,843.67
dfu tyf cNk ;"rgfdf k|fKt x'g] /sd -
nufgL -
shf{ ;fk6 2,68,357.27
l:y/ ;DklQ 1,733.26
u}/–a}+lsË ;DklQ -
cGo ;DklQ 3,342.29
s'n ;DklQ 2,83,338.27
gfkmf–gf]S;fg lx;fa
Aofh vr{ 14,520.87
v'b Aofh cfDbfgL 13,407.89
sldzg tyf cGo ;~rfng cfDbfgL 4,908.94
;6xL 36a9 cfDbfgL -
s'n ;~rfng cfDbfgL 18,316.84
24
sd{rf/L vr{ 10,502.89
cGo ;~rfng vr{ 3,651.94
;6xL 36a9 gf]S;fg -
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 4,162.01
;Defljt gf]S;fgL Joj:yfx? 1,788.37
;~rfng d'gfkmf 2,373.65
u}/ ;~rfng cfDbfgL÷vr{ -
;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 1,061.86
lgoldt sf/f]af/af6 ePsf] d'gfkmf 3,435.51
c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷vr{ -
;Dk'0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 3,435.51
sd{rf/L af]g; Joj:yf 343.55
cfos/ Joj:yf 927.59
o; jif{sf] s/ Joj:yf 927.59
ljut jif{;Ddsf] s/ Joj:yf -
o; jif{sf] :yug s/ cfDbfgL÷-vr{_ -
v'b gfkmf÷gf]S;fg 2,164.37
gfkmf–gf]S;fg afF8kmfF6 lx;fa

cfDbfgLM
ut jif{;Ddsf] ;l~rt d'gfkmf 2,509.12
o; jif{sf] d'gfkmf 2,164.37
;6xL 36a9 sf]if -
z]o/ lk|ldodaf6 ;fl/Psf] -
u|fxs ;+/If0f sf]ifaf6 ;fl/Psf] -
;+:yfut ;fdflhs pQ/bfloTj sf]if pkof]u -
hDdf 4,673.49
vr{M
ut jif{ ;Ddsf] ;l~rt gf]S;fg -
o; jif{sf] gf]S;fg -
;fwf/0f hu]8f sf]if 432.87
e}k/L cfpg] hu]8f sf]if -
;+:yf ljsf; sf]if -
nfef+z ;dLs/0f sf]if -
sd{rf/L ;DaGwL hu]8fx? -
k|:tfljt nfef+z -
k|:tfljt af]g; z]o/ -
ljz]if hu]8f sf]if -
;6xL 36a9 sf]if -
k"FhL lkmtf{ hu]8f sf]if -
k"FhL ;dfof]hg sf]if -
:yug s/ hu]8f sf]if -
u|fxs ;+/If0f sf]if 21.64
;+:yfut ;fdflhs pQ/bfloTj sf]if 21.64
sd{rf/L bIftf clej[l4 sf]if -
:yug s/ hu]8f -
hDdf 476.16
;l~rt d'gfkmf÷-gf]S;fg_ 4,197.33
25
gub k|jfxsf] ljj/0f
sf/f]af/ ;+rfngaf6 gub k|jfx (1,068.58)
gub k|fKtL 32,837.71
sldzg tyf l8isfp06 cfDbfgL 4,908.94
ckn]lvt shf{sf] c;'nL -
gub e'QmfgL 29,446.89
Aofh vr{ 14,520.87
sd{rf/L vr{ 10,794.30
sfof{no ;+rfng vr{ 3,552.14
cfos/ e'QmfgL 579.58
cGo vr{ -
sfo{ut k"FhL ultljlw cl3sf] gub k|jfx 3,390.81
;~rfng ;DalGw rfn' ;DklQdf sdL÷-j[l4_ (44,347.86)
dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ -
cGo cNksfnLg nufgLdf sdL÷-j[l4_ -
shf{df sdL÷j[l4_ (43,332.90)
cGo ;DklQdf sdL÷-j[l4_ (1,014.96)
;~rfng ;DalGw rfn' bfloTjdf -sdL_÷j[l4 39,888.47
lgIf]k bfloTjdf -sdL_÷j[l4_ 18,580.81
cNksfnLg ;fk6Ldf -sdL_÷j[l4_ 21,278.21
cGo bfloTjdf -sdL_÷j[l4_ 29.44
nufgL sf/f]af/df gub k|jfx 93.69
bL3{sfnLg nufgLdf sdL÷-j[l4_ -
:yL/ ;DklQdf sdL÷-j[l4_ 93.69
bL3{sfnLg nufgLdf Aofh cfDbfgL -
nfef+z cfDbfgL -
cGo -
ljQLo >f]t sf/f]af/af6 gub k|jfx -
bL3{sfnLg C0f -j08, l8j]Gr/, cflb_ df j[l4÷-sdL_ -
z]o/ k"FhLdf j[l4÷-sdL_ -
cGo bfloTjdf j[l4÷-sdL_ -
g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k"g/shf{df j[l4÷-sdL_ -
gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 -
cfDbfgL÷vr{
o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx (974.88)
gub tyf a}+sdf /x]sf] z"?sf] Dff}Hbft 10,880.32
gub tyf a}+sdf /x]sf] clGtd df}Hbft 9,905.44
-3_ cfDbfgL / vr{ lx;fjsf] s'g} zLif{sdf 7"nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0fM ;f]
gePsf] .
-ª_ kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft ;+ul7t ;+:yfsf] sf/f]af/, gfkmf gf]S;fg, ;DklQsf] d"No
jf cfufdL !@ dlxgfsf] bfloTj e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5÷5}g ;f] ;DaGwdf
;~rfnsx?sf] wf/0ffM ;f] gePsf] .
-r_ cfly{s jif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLs[lt x'g] ldlt;Dddf
jf;nftsf] ldlt kl5sf] 36gfsf] jf/]df 5'§} hfgsf/LM ;f] gePsf] .
26
-5_ ljut % jif{df ;DklQsf] k'gd"{Nof+sg ul/Psf] 5÷5}g, olb ul/Psf] eP -c_ ;DklQsf] ljj/0f, -cf_
;DklQsf] k"gd"{Nof+sg cl3 / kl5sf] lstfjL d"No, -O{_ k"gd"{Nof+sgsf] cf}lrTo M;f] gePsf] .
-h_ cfufdL tLg jif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x?M
ljQLo ;+:yfsf] cfufdL # cfly{s jif{sf] nflu k|If]lkt ljQLo l:ylt b]xfo adf]lhd /x]sf] 5 M
jf;nft
k|If]lkt -?=xhf/df_**
ljj/0f
2078÷079 2079÷080 2080÷081
k"FhL tyf bfloTj
z]o/ k"FhL 24,426.00 28,822.68 34,010.76
hu]8f tyf sf]ifx? 5,578.89 5,271.96 6,856.05
C0fkq tyf aG8 - - -
ltg{ afFsL shf{ ;fk6 1,47,267.00 1,79,665.74 2,19,192.20
lgIf]k bfloTj 1,36,215.90 1,56,203.31 1,78,986.16
k|:tfljt gub nfef+z 196.10 231.40 273.06
cfos/ bfloTj 1,566.44 1,973.80 3,238.53
cGo bfloTj 3,760.11 4,831.08 6,563.05
s'n k"FhL tyf bfloTj 3,19,010.44 3,76,999.98 4,49,119.82
;DklQ
gub df}Hbft 648.52 492.93 105.10
g]kfn /fi6« a}+sdf /x]sf] df}Hbft - - -
a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 3,011.77 2,816.03 2,971.39
dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 3,855.00 1,611.04 3,240.11
nufgL - - -
shf{ ;fk6 3,06,219.74 3,67,097.51 4,37,100.08
l:y/ ;DklQ 2,359.41 1,782.08 1,495.07
u}/–a}+lsË ;DklQ - - -
cGo ;DklQ 2,915.99 3,200.39 4,208.07
s'n ;DklQ 3,19,010.44 3,76,999.98 4,49,119.82
gfkmf gf]S;fg lx;fj

ljj/0f
2078÷079 2079÷080 2080÷081
Aofh cfDbfgL 39,588.50 51,352.80 61,113.52
Aofh vr{ 19,853.00 24,926.78 28,167.65
v'b Aofh cfDbfgL 19,735.50 26,426.02 32,945.87
sldzg tyf cGo ;~rfng cfDbfgL 7,115.11 7,658.64 9,092.03
;6xL 36a9 cfDbfgL - - -
s'n ;~rfng cfDbfgL 26,850.62 34,084.66 42,037.90
sd{rf/L vr{ 14,232.64 19,907.20 23,636.43
cGo ;~rfng vr{ 5,617.10 6,530.64 7,474.16
;6xL 36a9 gf]S;fg - - -
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 7,000.87 7,646.82 10,927.31
;Defljt gf]S;fgL Joj:yfx? 1,346.71 588.41 -
;~rfng d'gfkmf 5,654.16 7,058.40 10,927.31
u}/ ;~rfng cfDbfgL÷vr{ - - -
;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ - - 589.55
lgoldt sf/f]af/af6 ePsf] d'gfkmf 5,654.16 7,058.40 11,516.86
c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷vr{ - - -
;Dk'0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 5,654.16 7,058.40 11,516.86
27
sd{rf/L af]g; Joj:yf 514.02 641.67 1,046.99
cfos/ Joj:yf 1,566.44 1,973.80 3,238.53
o; jif{sf] s/ Joj:yf 1,542.04 1,925.02 3,140.96
ljut jif{;Ddsf] s/ Joj:yf - - -
o; jif{sf] :yug s/ cfDbfgL÷-vr{_ 24.39 48.79 97.57
v'b gfkmf÷gf]S;fg 3,573.71 4,442.92 7,231.34
gfkmf gf]S;fg afF8kmfF6 lx;fa

ljj/0f
2078÷079 2079÷080 2080÷081
cfDbfgLM
ut jif{;Ddsf] ;l~rt d'gfkmf 2,509.12 1,374.51 211.90
o; jif{sf] d'gfkmf 3573.71 4,442.92 7,231.34
;6xL 36a9 sf]if - - -
z]o/ lk|ldodaf6 ;fl/Psf] - - -
u|fxs ;+/If0f sf]ifaf6 ;fl/Psf] - - -
;+:yfut ;fdflhs pQ/bfloTj sf]ifaf6 ;fl/Psf] - - -
hDdf 6,082.83 5,817.43 7,443.24
vr{M
ut jif{ ;Ddsf] ;l~rt gf]S;fg - - -
o; jif{sf] gf]S;fg - - -
;fwf/0f hu]8f sf]if 714.74 888.58 1,446.27
e}k/L cfpg] hu]8f sf]if - - -
;+:yf ljsf; sf]if - - -
nfef+z ;dLs/0f sf]if - - -
sd{rf/L ;DaGwL hu]8fx? - - -
k|:tfljt nfef+z 196.10 231.40 273.06
k|:tfljt af]g; z]o/ 3,726.00 4,396.68 5,188.08
ljz]if hu]8f sf]if - - -
;6xL 36a9 sf]if - - -
k"FhL lkmtf{ hu]8f sf]if - - -
k"FhL ;dfof]hg sf]if - - -
:yug s/ hu]8f sf]if - - -
u|fxs ;+/If0f sf]if 35.74 44.43 72.31
;+:yfut ;fdflhs pQ/bfloTj sf]if 35.74 44.43 72.31
hDdf 4,708.32 5,605.53 7,052.03
;l~rt d'gfkmf÷-gf]S;fg_ 1,374.51 211.90 391.21
gub k|jfxsf] ljj/0f

ljj/0f
2078÷079 2079÷080 2080÷081
sf/f]af/ ;+rfngaf6 gub k|jfx (12,579.87) (155.23) 208.47
gub k|fKtL 46,703.61 59,011.44 70,205.55
Aofh cfDbfgL 39,588.50 51,352.80 61,113.52
sldzg tyf l8isfp06 cfDbfgL 7,115.11 7,658.64 9,092.03
ljb]zL ljlgdo sf/f]af/af6 cfDbfgL - - -
ckn]lvt shf{sf] c;'nL - - -
cGo cfDbfgL - - -
gub e'QmfgL 39,627.10 52,184.72 61,341.87
Aofh vr{ 19,853.00 24,926.78 28,167.64
sd{rf/L vr{ 13,647.71 19,354.28 23,051.71
sfof{no ;+rfng vr{ 4,809.15 5,897.61 6,921.91
cfos/ e'QmfgL 1,171.07 1,933.07 3,112.06
cGo vr{ 147.07 72.99 88.54
sfo{ut k"FhL ultljlw cl3sf] gub k|jfx 7,075.62 6,826.72 8,863.68
28
;~rfng ;DalGw rfn' ;DklQdf sdL÷-j[l4_ (85,692.39) (59,244.48) (71,064.79)
dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷- (3,855.00) 2,243.96 (1,629.06)
j[l4_
cGo cNksfnLg nufgLdf sdL÷-j[l4_ - - -
shf{df tyf ljN; vl/bdf sdL÷j[l4_ (81,815.58) (61,466.19) (69,413.02)
cGo ;DklQdf sdL÷-j[l4_ (21.82) (22.25) (22.70)
;~rfng ;DalGw rfn' bfloTjdf -sdL_÷j[l4 66,036.90 52,262.53 62,409.58
lgIf]k bfloTjdf -sdL_÷j[l4_ 17,191.97 19,987.41 22,782.85
;l6{lkms]6 ckm l8kf]lhtdf -sdL_÷j[l4_ - - -
cNksfnLg ;fk6Ldf -sdL_÷j[l4_ 48,433.60 32,398.74 39,526.46
cGo bfloTjdf -sdL_÷j[l4_ 411.33 (126.62) 100.26
nufgL sf/f]af/df gub k|jfx (1,340.15) - (209.53)
bL3{sfnLg nufgLdf sdL÷-j[l4_ - - -
z]o/ tyf l8a]~r/ ljlqmaf6 k|fKt /sd - - -
:yL/ ;DklQdf sdL÷-j[l4_ (1,340.15) - (209.53)
bL3{sfnLg nufgLdf Aofh cfDbfgL - - -
nfef+z cfDbfgL - - -
cGo - - -
ljQLo >f]t sf/f]af/af6 gub k|jfx 6,700.00 (196.10) (231.40)
bL3{sfnLg C0f -j08, l8j]Gr/, cflb_ df j[l4÷ - - -
-sdL_
z]o/ k"FhLdf j[l4÷-sdL_ 6,700.00 - -
z]o/ lk|ldoddf j[l4÷-sdL_ - - -
Nfef+; e'QmfgL - (196.10) (231.40)
dh{/ kl5 z]o/ k'FhL tyf sf]ifdf ePsf] - - -
kl/jt{gsf] ;dfof]hg
g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k"g/shf{df - - -
j[l4÷-sdL_
gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] - - -
km/saf6 cfDbfgL÷vr{
o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx (7,220.03) (351.34) (232.47)
gub tyf a}+sdf /x]sf] z"?sf] Dff}Hbft 10,880.32 3,660.30 3,308.96
gub tyf a}+sdf /x]sf] clGtd df}Hbft 3,660.31 3,308.96 3,076.49
** k|If]lkt
ljQLo ljj/0f ljQLo ;+:yf cfkm}n] tof/ kf/]sf] xf] / ;f] ljQLo ljj/0f k'g/fjnf]sg u/L k|dfl0ft
lk=Pd= P08 P;f]l;P6\;sf rf6{8{ Psfp6]06 >L kf/;d0fL cof{nn] ug'{ePsf] 5 .
ljQLo ;+:yfsf] ljQLo k|If]k0fsf cfwf/x? M
ljj/)f cf=j=2078÷79 cf=j=2079÷80 cf=j=2080÷81
!= s'n lgIf]kdf cf}ift a[l4b/ -k|ltztdf_ 14.44% 14.67% 14.59%

@= s'n shf{ tyf ;fk6df cf}ift a[l4b/ -k|ltztdf_ 35.35% 19.62% 18.52%
#= s'n shf{ tyf lgIf]k±k"Flhsf]if cg'kft -k|ltztdf_ 100.88% 102.08% 101.80%
$= s'n cfodf cf}ift a[l4b/ 28.80% 33.90% 24.67%
%= s'n ;+rfng vr{df cf}ift a[l4b/ 8.37% 33.19% 17.67%
^= ;+rfng vr{ tyf s'n cfDbfgL cg'kft 84.94% 73.93% 77.57%
&= v'b d'gfkmfdf cf}ift a[l4b/ 24.51% 26.94% 23.33%
*= lgIf]ksf] cf}ift Aofhb/ -k|ltztdf_ 6.40% 6.43% 6.45%
(= shf{ tyf ;fk6sf] cf}ift Aofhb/ -k|ltztdf_ 14.25% 14.90% 14.90%
!)=cfos/ Aoj:yf -k|ltztdf_ 30.00% 30.00% 30.00%
u}/ sfo{Ifd ;DkQLx? 1.75% 2.55% 2.55%
cGo ;+rfng vr{df cf}ift j[l4b/ 12.13% 16.26% 14.45%
sd{rf/L vr{df cf}ift a[l4b/ 6.96% 39.87% 18.73%
% of Provision on Total Gross Loan 2.24% 2.03% 1.58%
CRR 1.06% 0.84% 0.75%
SLR 5.52% 3.15% 3.53%
29
dfly pNn]lvt ljQLo k|If]k0fsf cfwf/sf] cf}lrTo k'li6 x'g] ljj/0fx?M
!= ljQLo k|If]k0fsf cfwf/e"t n]vf gLlt M
g]kfn /fi6« a}+sn] hf/L u/]sf lgb]{zgx?df cfwfl/t /x]/ ljQLo ljj/0f tof/ ug]{ ;+:yfsf] gLlt /x]sf] /
k|:t't ljQLo k|If]k0f ubf{ cl3Nnf cf=j= x?df canDag ub}{ cfPsf] n]vf gLltnfO{ g} cfwf/ dflgPsf] 5 .
@= shf{ tyf ;fk6 M
;+:yfsf] cf=j= @)&^÷&& sf] cfiff9 df;Gtsf] t'ngfdf cf=j= @)&&÷&* sf] cfiff9 d;fGt;Dddf shf{sf]
j[l4b/ *$=!* k|ltzt ePsf] tyf Joj:yfkgn] u/]sf] of]hgf cg';f/ @)&*÷*( ,@)&(÷*) / @)*)÷*!
df qmdzM #%=#% , !(=^@ / !*=%@ k|ltztsf] s'n shf{ j[l4 x'g] k|If]k0f ul/Psf] 5 .
shf{ tyf ;fk6df k|fKt x'g] cf};t Aofh b/ cf=j= @)&*÷&(, @)&(÷*) / @)*)÷*! sf] nflu qmdzM
!$+=@%, !$=() / !$=() k|ltzt x'g] cg'dfg ul/Psf] 5 .
;+:yfn] cfˆgf] k|fylds k"FhLsf] a9Ldf #) u'0ff;Dd ljQLo ;|f]t kl/rfng ug{ ;Sg] g]kfn /fi6« a}+ssf] lgb]{zg
cg'?k /xg] u/L shf{ tyf ;fk6sf] k|If]k0f ul/Psf] 5 .
;+:yfsf] lgis[o shf{ cf=j= @)&*÷&(, @)&(÷*) / @)*)÷*! df s'n shf{ tyf ;fk6sf] qmdzM !=&%,
@=%% / @=%% k|ltzt sfod /xg] cg'dfg ul/Psf] 5 . ;fy}, shf{ tyf ;fk6LnfO{ cf=j= @)&(÷*) af6
;'/If0f ug]{ gLlt klg lnOPsf] 5 .
#= lgIf]k M
;+:yfsf] Joj:yfkgn] u/]sf] of]hgf cg';f/ cf=j= @)&*÷&(, @)&(÷*) / @)*)÷*! df qmdzM !$=$$,
!$=^& / !$=%( k|ltztn] s'n lgIf]k j[l4 x'g] k|If]k0f ul/Psf] 5 .
lgIf]k bfloTjdf ltg'kg]{ cf}ift Jofhb/ cf=j= @)&*÷&(, @)&(÷*) / @)*)÷*! sf] nflu qmdzM ^=$),
^=$# / ^=$% k|ltzt sfod /xg] cg'dfg ul/Psf] 5 .
$= t/ntf M
g]kfn /fi6« a}+sn] Joj:yf u/]sf] clgjfo{ df}Hbft - Cash Reserve Requrirement) cf=j= @)&*÷&(,
@)&(÷*) / @)*)÷*! sf] nflu qmdz M !=)^, )=*$ / )=&% k|ltzt sfod x'g] u/L nufgL k|If]k0f ul/Psf]
5.
g]kfn /fi6« a}+sn] Joj:yf u/]sf] t/n ;DklQ cf=j= @)&*÷&(, @)&(÷*) / @)*)÷*! sf] nflu qmdzM
%=%@, #=!% / #=%# k|ltzt sfod x'g] u/L nufgL k|If]k0f ul/Psf] 5 .
%= ;+:yfsf] v'b gfkmfsf] !) k|ltzt /sd sd{rf/L af]g; Joj:yfsf] nflu 5'6\ofOPsf] 5 .
^= cfp+bf] jif{x?sf] nflu a}+sn] cfh{g ug]{ gfkmfdf #) k|ltztsf] b/n] cfos/sf] nflu Joj:yf ul/Psf] 5 .
&= ut jif{x?sf] jf:tljs cf+s8f, o; jif{sf] ;~rfng cj:yf tyf cfp+bf] jif{sf] ;+rfng of]hgfsf] cfwf/df
Joj:yfkgåf/f ljQLo ljj/0f k|If]k0f ul/Psf] xf] .
*= k"FhL k|of{Kttf -Capital Adequacy_ sf] dfqf g]kfn /fi6« a}+sn] tf]s]sf] cg'kft cg'?k /xg] u/L k|If]k0f
ul/Psf] 5 . h; cg'?k k"FhL sf]ifsf] cg'kft cf=j= @)&*÷&(, @)&(÷*) / @)*)÷*! sf] nflu qmdzM
*=#!, (=)% / !)=@& k|ltzt / k|fylds k"FhLsf] cg'kft cf=j= @)&*÷&(, @)&(÷*) / @)*)÷*! sf] nflu
qmdz M %=@), ^=(% / ^=&* k|ltzt x'g]u/L k|If]k0f ul/Psf] 5 .
(= ;+:yfsf] k|:tfljt af]g; z]o/ cf=j= @)&*÷&(, @)&(÷*) / @)*)÷*! df !* k|ltzt sfod /xg]
cg'dfg ul/Psf] 5 / ;f]xL cg';f/ s/ k|of]hgsf nflu gub nfef+z ;d]t k|:tfljt ul/Psf] 5 .
30
v_ ljQLo cg'kft ;DaGwL ljj/0f M
-s_ ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt e}g;s]sf] cj:yfdf
;~rfng cjlwsf] tyf cfufdL tLg jif{sf] k|If]lkt k|lt z]o/ cfDbfgL (EPS)tyf k|lt z]o/ g]6jy{
lgDgfg';f/ 5 .
ljQLo ;+:yfsf] g]6jy{df ePsf] jf:tljs tyf k|If]lkt cf};t k|ltkmn b]xfo adf]lhd 5 .
jf:tljs -?= xhf/df_ k|If]lkt -?= xhf/df_**
ljj/0f
2075/076 2076÷077 2077÷078 2078÷079 2079÷080 2080÷081
z]o/ k"FhL 14,000.00 14,000.00 14,000.00 24,426.00 28,822.68 34,010.76
hu]8f tyf sf]ifx? 1,731.72 2,694.08 3,202.52 2,782.65 2,508.63 4,134.20
hDdf 15,731.72 16,694.08 17,202.52 27,208.65 31,331.31 38,144.96
ckn]vg ug{ aFfsL vr{ - - - - - -
s'n g]6jy{ 15,731.72 16,694.08 17,202.52 27,208.65 31,331.31 38,144.96
z]o/ ;+Vof 140.00 140.00 140.00 173.50 244.26 288.23
k|lt z]o/ g]6jy{ -?=_ 112.37 119.24 122.88 156.82 128.27 132.34
v'b gfkmf÷gf]S;fg 1,731.72 1,017.34 717.93 3,573.71 4,442.92 7,231.34
k|lt z]o/ cfDbfgL -?=_ 12.37 7.27 5.13 20.60 18.19 25.09
g]6jy{df k|ltkmn -Ü_ 11.01% 6.10% 4.17% 9.33% 12.02% 16.07%
k|lt z]o/ r'Qmf k"FhL -?=_ 100 100 100 100 100 100
gf]6 M sDkgLsf] k|lt z]o/ g]6jy{ u0fgf ubf{ hu]8f tyf sf]ifx?df jf;nftdf k|:t't ePsf] hu]8f tyf sf]ifx?df
u|fxs ;+/If0f sf]if, ;+:yfut ;fdflhs pQ/bfloTj sf]ifsf] /sd klg ;+nUg ePsf]df g]6jy{ u0fgf ubf{ ;f] /sdnfO{
;+nUg ul/Psf] 5}g .
lgisfzg k"j{sf] k|lt z]o/ cfDbfgL (EPS) sfod /fVg a[l4 x'g] g]6jy{df cfjZos Go"gtd k|ltkmn (Minimum
return on increased networth required to maintain pre-issue EPS) = $=$$%
-v_ ljut # jif{sf] g]6jy{df ePsf] cf}ift k|ltkmn M &=!)%
!) lwtf]kq lgisfzg ;DaGwL ljj/0f M

s_ lwtf]kq hf/L ug'{sf] p2]Zo M
c= g]kfn /fi6«a}+saf6 Ohfhtkq k|fKt “3” ju{sf] ljQLo ;+:yfnfO{ hf/L ePsf] Plss[t lgb]{zg @)&& sf]
lgb]{zg g+= !%÷)&& sf] a'Fbf g+=$ adf]lhd ;+:yfn] ;+rfngdf cfPsf] ldltn] a9Ldf # jif{leq ;j{;fwf/0fsf]
nflu 5'6\ofOPsf] z]o/ laqmL ljt/0f ug'{kg]{5 elg lgb]{zg hf/L ul/Psf] tyf a}+s tyf ljQLo ;+:yf
;DaGwL P]g, @)&# sf] bkmf (-!_ cg'?k slDtdf #)Ü z]o/ ;j{;fwf/0fdf laqmL ug'{kg]{ Joj:yf ePsf] /
;f]xL adf]lhd ljQLo ;+:yfsf] k|aGw–kqdf ;d]t hf/L k"FhLsf] #@=#&Ü n] x'g cfpg] hDdf /sd ?=
^&,)),)))÷– -cIf/]kL ;t;¶L nfv dfq_ sf] k|lt lsQf c+lst d"No ?= !))÷– b/sf ^&,))) lsQf
;fwf/0f z]o/x? ;j{;fwf/0f g]kfnL gful/sx? -sd{rf/L ;d]t_ nfO{ laqmL ljt/0f u/L ljQLo ;+:yfsf]
;+rfngdf ;j{;fwf/0fnfO{ ;d]t ;+nUg u/fpg .
cf= ljQLo ;+:yfn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pjd\ cfly{s ultljlwx?nfO{ lj:tf/
ug{ cfjZos kg]{ k"FhLsf] Joj:yf ug{ .
O= ljQLo ;+:yfsf] k|aGw–kq tyf lgodfjnLdf pNn]v ul/Psf p2]Zox? cg'?k ug'{kg]{ sfo{x?sf] nflu
cfjZos kg]{ k"FhL ;+sng ug{ .
31
v_ lwtf]kq lgisfzgaf6 k|fKt k"FhLsf] pkof]u M
-s_ lgisfzgaf6 k|fKt x'g] s"n /sdnfO{ s;/L / s'g If]qdf k|of]u ul/g] 5 tT;DaGwL ljj/0f M
lgisfzgaf6 k|fKt x'g] s'n /sd tn pNn]lvt ljleGg If]qx?df k|of]u x'g]5 M
qm=;+= ljj/0f /sd ?=
!= ef}lts k'jf{wf/ tyf zfvf lj:tf/
@= s[lif, kz'kfng, v'b|f Jofkf/ tyf ;]jf Joj;fo shf{ ^&,)),)))÷–
#= Jffl0fHo a}+s nufot cGo ljQLo ;+:yfx?df /flvg] gub
hDdf ^&,)),)))÷–
-v_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|flKt ug{sf]
nflu ckgfOg] j}slNks Joj:yf M
ljutdf cGo n3'ljQ ljQLo ;+:yfx?n] ;j{;fwf/0fdf z]o/ lgisfzg ubf{ lgisflzt z]o/x? k"0f{ ?kdf
cfj]bg k|fKt x'g] u/]sf] b]lvPsf]n] o; ljQLo ;+:yfsf] lgisflzt z]o/x? klg k"0f{ ?kdf laqmL x'g] ljQLo
;+:yfsf] wf/0ff /x]sf] 5 . s'g} sf/0fjz k"0f{ ?kdf laqmL gePdf >L k|e' Soflk6n lnld6]8, sf7df8f}+n]
lgisfzg /sdsf] ^&,))) lsQf v/Lb ug]{ k|Tofe"lt ;D´f}tf u/]sf] 5 .
-u_ cfof]hgfsf] ;~rfng :yfg, cfof]hgf r/0fa4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{, s'g}
r/0f ;dfKt e};s]sf] eP ;f] ;DaGwL ljj/0f M;f] gePsf] .
-3_ cfof]hgf ;DkGg x'g], kl/If0f pTkfbg z'? x'g] / k"0f{ Joj;flos pTkfbg z'? x'g] cg'dflgt ldlt M;f]
gePsf] .
-ª_ ;+ul7t ;+:yfn] s'g} pks/0f v/Lb u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"No jf k|:tfljt d"No,
;Knfo;{sf] gfd / ;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d"Vo d"Vo a'Fbfx? M;f] gePsf] .
-r_ s'g} kf6L{;Fu k|ltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, /f]oN6L, ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws
;Demf}tf ul/Psf] eP ;f] sf] k|d'v zt{x? / kf6L{sf] gfd, 7]ufgf ;DaGwL lj:t[t ljj/0f M ;f] gePsf].
-5_ pTkfbg ;DaGwL cfof]hgf eP, ;f] sf] k|s[lt, k|of]ustf{, k|lt:kwf{, nlIft ;d"x, pTkfbg Ifdtf, ljut
jif{x?sf] Ifdtf pkef]u jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M;f] gePsf] .
-h_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M;f] gePsf] .
-em_ cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M;f] gePsf] .
-~f_ ;fj{hlgs lgisfzgsf nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Ns ;DaGwL ljj/0fM
-c_ lgisfzg tyf laqmL k|aGws M
o; ljj/0fkq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fdf laqmL ul/g] ;fwf/0f z]o/sf] lgisfzg tyf laqmL
k|aGws ;DaGwL sfo{ ug{sf nflu la=cf]=s]=Soflk6n dfs]{6 lnld6]8, gf/fo0frf}/, gS;fn, sf7df8f}+nfO{
lgo'Qm ul/Psf] / pQm ;]jf k|bfg u/] jfkt la=cf]=s]= Soflk6n dfs]{6 lnld6]8nfO{ Psd'i7 ?=
!,)),)))÷– -cIf/]kL Ps nfv ?k}of dfq_ ;]jf z'Nssf] ?kdf lbOg]5 .
-cf_ 6«li6 -l8j]Gr/lgisfzgsf] xsdf_ M lgisfzg ul/g] lwtf]kq l8a]Gr/ geO{ ;fwf/0f z]o/ ePsf] .
-O_ k|Tofe"ltstf{ M >L k|e' Soflk6n lnld6]8, sdnfbL, sf7df8f}+nfO{ k|Tofe"lt ;]jf k|bfg u/] jfkt ?=
@),))) sldzgsf] ?kdf lbOg] 5 .
-O{_ lj1x? M ;f] gePsf] .
-p_ n]vfkl/IfsM ljQLo ;+:yfsf] k|If]lkt ljQLo ljj/0fx?sf] k'g/fjnf]sg u/L k|dfl0ft >L lk=Pd P08
P;f]l;P6\;sf rf6{8{ Psfp6]06 >L kf/;d0fL cof{nn] ug'{ePsf] 5 .
-pm_ cGo -h:t} M ;+sng s]Gb|, lgisfzg a}+s cflb_ M
cf:jf ;b:o /x]sf ;Dk"0f{ a}+s tyf ljQLo ;+:yfx? ;+sng s]Gb|sf] ?kdf /xg] 5g\ .
u_ ;fj{hlgs lgisfzgaf6 k|fKt /sdnfO{ cfof]hgfdf k|of]u ug{ k"j{ cGo s'g} Joj:yf ug{ nfluPsf] 5 eg]
tT;DaGwL ljj/0fM ;f] gePsf] .
3_ lk|ldoddf lwtf]kq hf/L ug]{ ePdf M lk|ldod yk gul/Psf]] .
32
ª_ lwtf]kqsf] afF8kmfF6, lkmtf{ e'QmfgL tyf ;"rLs/0f ;DaGwL ljj/0f M
-c_ cTolws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmfF6sf] k|ls|of M
o; ljj/0fkq dfkm{t hf/L ul/Psf] ;fwf/0f z]o/ v/Lbsf] nflu cTolws dfu eO{ k|fKt ePsf cfj]bgx?nfO{
lwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$ df ePsf] k|fjwfg cg';f/ cfj]bsx?df lwtf]kq afF8kmfF6
ul/g]5 . olb lgisfzg ul/Psf] z]o/sf] ;+Vof eGbf sd z]o/ v/Lbsf nflu b/vf:t k|fKt x'g cfPdf
/Ltk"j{s k|fKt ePsf] ;Dk"0f{ z]o/ cfj]bsx?df afF8kmfF6 u/L afFsL ePsf] z]o/ lsQf k|Tofe"ltstf{n]
k|Tofe"lt ;Demf}tfdf ePsf] Joj:yf cg';f/ v/Lb ug]{5 .
-cf_ cToflws dfu ePsf] jf afF8kmfF6 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DjGwL Joj:yf M
z]o/ laqmL aGb ePsf] ldltaf6 g]kfn lwtf]kq af]8{n] lgwf{l/t u/]sf] ;doleq z]o/ afF8kmfF6 u/L k"0f{ jf
cf+lzs ?kdf :jLs[t÷c:jLs[t ePsf] Joxf]/f pNn]v u/L lgisfzg tyf laqmL k|aGwsaf6 l;l8P;;Lsf]
;ˆ6j]o/ dfkm{t cf:af (ASBA) ;b:o a}+s tyf ljQLo ;+:yfx?nfO{ hfgsf/L u/fO{g]5 / ;DalGwt cf:af
(ASBA) ;b:o a}+s tyf ljQLo ;+:yfn] g} afF8kmfF6df gkg]{ jf gk/]sf] /sd nufgLstf{sf] lwtf]kq v/Lbsf]
cfj]bgsf nflu /f]Ssf /fv]sf] vftfsf] /sd dfq /f]Ssf km's'jf u/L lkmtf{ e"QmfgL ul/lbg]5 .
-O_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Jofhb/ M
lwtf]kq v/Lb -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&# k"0f{ ?kdf nfu" eO{;s]sf] ;Gbe{df ;f]
Joj:yf nfu" gx'g] .
-O{_ lwtf]kq afF8kmFf6 tyf k|df0fkq hf/L ;DjGwL k|s[of / ;dofjlw M

ælwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$Æ df ePsf] Joj:yf adf]lhd k|f/lDes ;fj{hlgs lgisfzg
dfkm{t lgisflzt z]o/sf] afF8kmfF6 u/L ;DalGwt lgsfodf ;"rLs/0f kZrft\ ;DalGwt cfj]bsn] cfj]bg
kmf/ddf pknAw u/fPsf] lxtu|fxL vftfdf afF8kmfF6df k/]sf] z]o/ ljt/0f ug]{ Joj:yf ldnfOg]5 .
-p_ lwtf]kq ;"rLs/0f e};s]sf] eP, To:tf] lwtf]kq ;"lrs/0f ul/Psf] lwtf]kq ahf/sf] gfd / lwtf]kqsf]
sf/f]af/ z'? x'gsf] nflu ;+ul7t ;+:yfn] k"/f ug{'kg]{ zt{x? ;DaGwL ljj/0f M;f] gePsf] .
-pm_ lwtf]kq ;"rLs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kqx? k|rlnt P]g lgod
cg';f/ ;xh v/Lb, laqmL jf ljlgdo x'g ;Sg] u/fpgsf nflu ul/g] Joj:yf ;DaGwL ljj/0fM
k|f/lDes ;fj{hlgs lgisfzg ul/g] ;fwf/0f z]o/ ælwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$Æ df
ePsf] Joj:yf cg';f/ ;fwf/0f z]o/sf] afF8kmfF6 u/] kZrft\ g]kfn :6s PS;r]Gh lnld6]8df k|rlnt
;"rLs/0f ;DaGwL Joj:yf cg';f/ ;"rLs/0f tyf l;l8P; P08 lSnol/Ë lnld6]8df lwtf]kq btf{ u/fO{
z]o/ vl/b laqmLsf] Joj:yf ldnfOg]5 .
r_ k|Tofe"lt ;DaGwL ljj/0f M

-c_ lwtf]kq k|Tofe"lt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|Tofe"lt ug]{ lwtf]kqsf] ;+Vof / /sd M
o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] lwtf]kqsf] !)) k|ltztn] x'g cfpg] ^&,))) lsQf ;fwf/0f
z]o/sf] nflu ?= ^&,)),)))÷– /sd a/fa/sf] k|e' Soflk6n lnld6]8 sdnfbL, sf7df8f}+åf/f k|Tofe"lt
;]jf k|bfg ul/Psf] 5 .
-cf_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo a"Fbfx? M
o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] lwtf]kqsf] k|Tofe"ltstf{;Fu d'Vo a'Fbfx? b]xfo adf]lhd /x]sf]
5M
– k|Tofe"ltstf{n] ^&,))) lsQf z]o/x?sf] nflu k|Tofe"lt;]jf k|bfg u/]sf] 5 .
– k|Tofe"ltstf{nfO{ k|Tofe"lt ;]jf k|bfg u/] afkt ljQLo ;+:yfn] ?= @),)))÷– sldzgsf] ?kdf lbg]5 .
– o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/x?df k|Tofe"ltstf{sf] bfloTj k|Tofe"lt ul/Psf] z]o/
lsQfdf dfq ;Lldt x'g]5 .
– o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/x? k"0f{ ?kdf laqmL gePdf dfly pNn]lvt k|Tofe"lt
lsQf z]o/x?df ;Lldt x'g] u/L k|Tofe"ltstf{n] v/Lb ug]{ ;xdtL hgfPsf] 5 .
– o; ;Demf}tfkqsf] cjlw ;Demf}tf ePsf] ldltn] Ps jif{ ;Ddsf] x'g]5 .
33
– o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/x? k"0f{ ?kdf laqmL ePdf k|Tofe"ltstf{sf] bfloTj
:jtM k"/f x'g]5 .
– z]o/ k|Tofe"lt ;DaGwL ;Demf}tf d'n'sL b]jfgL -;+lxtf_ P]g, @)&$ nufot g]kfnsf] P]g sfg"g cGtu{t
/xL nfu" x'g]5 . ;Demf}tfdf pNn]v ul/Psf] ljifosf] JofVofdf s'g} ljjfb tyf a'emfOdf km/skg
l;h{gf ePdf b'j} kIfsf] cfk;L ;Dembf/Ldf ;dfwfg ul/g]5 .
5== cfj]bg lb+bf Wofg lbg'kg]{ s'/fx?M
-c_ lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/, lwtf]kqjfnfsf]
clwsf/df kl/jt{g ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL ljj/0f M
o; ljj/0fkq cg';f/ lgisfzg ul/Psf z]o/sf] afF8kmfF6df k/]sf z]o/wgLx?sf] clwsf/ tyf
k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/, lwtf]kqjfnfsf] clwsf/df kl/jt{g ug]{
k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL Joj:yf k|rlnt sfg"g cg';f/ x'g]5 .
-cf_ lgodfjnL, k|aGwkq k|fKt ug]{ jf x]g{ ;Sg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof / ;f]
eGbf dfly lng] ePdf s'g u'0ff‹df lng ;Sg] xf] ;f] ;DaGwL ljj/0f M
!= o; sDkgLsf] k|aGwkq tyf lgodfjnL sfof{no ;do leq sDkgLsf] /lhi68{ -s]Gb|Lo_ sfof{no
afudtL k|b]z, sfe|]knf~rf]s lhNnf, ag]kf gu/kflnsf, j8f g+ =& df jf lwtf]kq lgisfzg tyf laqmL
k|aGws >L la=cf]=s]= Soflk6n dfs]{6 lnld6]8, gf/fo0frf}/, gS;fn sf7df8f}+}df sfof{no ;doleq
;Dks{ /fvL x]g{ jf k|fKt ug{ ;lsg] 5
@= k|To]s cfj]bsn] sDtLdf !) -bz_ lsQf z]o/ v/Lbsf nflu cfj]bg lbg'kg]{5 . !) -bz_ lsQf eGbf
a9L z]o/sf nflu cfj]bg lb+bf !) -bz_ cÍsf] u'0ffg ;+Vofdf clwstd !,))) lsQf a/fa/sf] ?=
!,)),)))÷– ;Ddsf] clwstd z]o/sf nflu cfj]bg lbg ;Sg]5g\ .
-O_ cfj]bg lb+bf kfng ug{'kg]{ zt{ aGb]hx? h:t} Ps eGbf a9L b/vf:t lbg gkfOg], nufgLstf{sf] klxrfgsf]
nflu gful/stf÷hGdbtf{sf] k|dfl0ft k|df0fkqsf] k|ltlnlk k]z ug{'kg]{ jf lwtf]kq bnfn Joj;foLn] lbPsf]
u|fxssf] kl/ro kq / ;DalGwt Joj;foLsf] gfd v'nfpg'kg]{ / a}+s vftf dfkm{t sf/f]af/ ul/g'kg]{ h:Tff
kIfx? M
!= s'g} klg g]kfnL gful/sn] o; ljj/0fkq cg';f/ hf/L ul/g] z]o/ v/Lb ug{ cfj]bg lbg ;Sg]5g\ .
@= cfj]bsn] l;–cf:jf k|0ffnLaf6 cfˆgf] vftf /x]sf] a}+s tyf ljQLo ;+:yf dfkm{t dfq cfj]bg lbg'kg]{5 .
#= cfj]bsn] cfj]bg lbg'k"j{ cfˆgf] vftf /x]sf] ;DalGwt a}+s tyf ljQLo ;+:yfdf uO{ lwtf]kqsf] ;fj{hlgs
lgisfzgsf] s]lGb|s[t ljB'lto ;]jf sfo{ ;~rfng lgb]{lzsf, @)&$ sf] cg';"rL $ adf]lhdsf] l;–
cf:af /lhi6«]zg kmf/d e/L CRN g+= lng'kg]{5 .
$= cfj]bssf] a}+s vftfdf ePsf] ljj/0f / cg';"rL $ df pNn]v u/]sf] ljj/0f ldNg'kg]{5 .
%= cfj]bsn] CRN g+= k|fKt u/]kZrft\ z]o/ v/Lbsf nflu tf]lsPsf] 9fFrfdf ;DalGwt a}+s tyf ljQLo
;+:yfdf lwtf]kq v/Lbsf nflu cfj]bg lbg'kg]{5 .
^= cfj]bsn] cfj]]bg kmf/ddf pNn]v u/]sf] lxtu|fxL kl/ro g+= / cGo ljj/0f l;–cf:af ;ˆ6j]o/df
/x]sf] cfj]bssf] lxtu|fxL vftf / cGo ljjj/0f ;+u ?h' x'g'kg]{5 .
&= cfj]bsn] cfj]bg kmf/d a'emfpFbf b]xfosf s'/fx?df ljz]if Wofg lbO{ :ki6;+u cfj]bg kmf/d e/L
a'emfpg' kg]{5 M
s= lwtf]kq lgisfzgstf{ sDkgLsf] gfd .
v= cfj]bssf] gfd, y/, 7]ufgf, gful/stf g+=, b:tvt, ;Dks{ kmf]g g+=, Od]n 7]ufgf .
u= gfafns / ljlIfKt JolQmsf] xsdf ;+/Ifssf] gfd, y/ / gftf .
3= vl/b ug{ rfx]sf] lwtf]kqsf] ;+Vof -c+s / cIf/df_ .
ª= vl/b ug{ rfx]sf] lwtf]kq jfktsf] /sd -c+s / cIf/df_ .
r= cfj]bssf] vftf /x]sf] a}+ssf] gfd, 7]ufgf, vftf g+= / vftfsf] lsl;d .
5== cfj]bssf] lxtu|fxL -l8Dof6_ vftf gDa/ .
*= cfj]bsx?n] cfj]bg lb+bf l;–cf:jf ;b:o a}+sx?df /x]sf] cfj]bg afktsf] /sd /f]Ssf /flvg] vftf
cGo s'g} k|sf/n] /f]Ssf /x]sf] jf lgliqmo (Dormant) /x]sf] x'g'x'Fb}g .
(= cfj]bg lbPsf] /sd a/fa/sf] /sd vftfdf x'g' kg]{5 .
34
!)= Ps JolQmn] cfkm"n] vl/b ug{ rfx]sf] ;fwf/0f z]o/sf] nflu Ps eGbf a9L b/vf:t lbg kfOg] 5}g .
olb Ps JolQmsf] gfddf Ps eGbf a9L cfj]bg k|fKt x'g cfPdf ;Dk"0f{ b/vf:tnfO{ /2 ul/g] 5 .
!!= lwtf]kq v/Lbsf] nflu b/vf:t lb+bfsf] cj:yfdf jf b/vf:t lbO{;s]kl5 v/Lb u/]sf] lwtf]kq afktsf]
/sd e'QmfgL gx'Fb} k|rlnt sfg'g adf]lhd clwsf/ k|fKt clwsf/L jf lgsfoaf6 nufgLstf{sf] vftf
/f]Ssf /fVg] cfb]z k|fKt ePdf lgisfzg tyf laqmL k|aGwsn] To:tf] b/vf:t kmf/fdnfO{ cfb]z
adf]lhd ug]{5 .
!@= lwtf]kq afF8kmfF6 ug'{k"j{ clVtof/ k|fKt lgsfoaf6 s'g} nufgLstf{sf] vftf /f]Ssf /fVg cfb]z jf
lgb]{zg k|fKt ePdf ;DalGwt a}+s jf ljQLo ;+:yfn] To:tf] cfb]z jf lgb]{zg cg';f/ ;DalGwt
nufgLstf{sf] vftf /f]Ssf u/L To;sf] hfgsf/L t'?Gt lgisfzg tyf laqmL k|aGwsnfO{ lbg'kg]{5.
!#= l;l8P; P08 lSnol/Ë lnld6]8af6 pknAw u/fO{Psf] æd]/f] z]o/Æ ;ˆ6j]o/af6 klg cfj]bsn] cfj]bg
ug{ ;Sg]5g\ . To;sf nflu cfj]bsn] cfˆgf] lxtu|fxL vftfdf a}+s vftfsf] ljj/0f pNn]v ul/;s]sf]
x'g'kg]{5 / ;DalGwt a}+s tyf ljQLo ;+:yfaf6 CRN g+= lnO{;s]sf] x'g'kg]{5 .
!$= z]o/sf] afF8kmfF6 u/L ;"rLs/0f eP kZrft\ afF8kmfF6df k/]sf cfj]bsx?nfO{ afF8kmfF6df k/]sf] z]o/
lghx?sf] lxtu|fxL vftfdf hDdf ug{] Joj:yf ul/g] 5 .
!%= o; ljj/0fkq dfkm{t lgisfzg ul/g] z]o/sfnflu Go"gtd !) lsQf tyf ;f] eGbf a9Lsf nflu !)
c+sn] efu hfg] ;+Vofdf clwstd !,))) lsQf ;Ddsf nflu cfj]bg lbg ;lsg]5 .
!^= ?= % nfv eGbf a9L /sdsf] nflu cfj]bg lbg] cfj]bsn] clgjfo{ ?kdf cfˆgf] :yfoL n]vf gDa/ -
PAN_ pNn]v ug'{ kg]{5 .
!!= ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M

lgisfzgstf{ ;+ul7t ;+:yf / lgDg lnlvt kIf aLr ljut @ aif{sf] cjlwdf s'g} k|sf/sf] j:t'ut sf/f]af/
ePsf] jf s'g} sf/f]af/ ug{ k|:tfj ul/Psf] eP sf/f]af/df ;+nUg AolQmx?sf] gfd, ltgLx?sf] ;+ul7t
;+:yf;Fusf] ;DaGw, sf/f]af/sf] k|s[lt / /sd M
-s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfnssf] ?kdf /x]sf] JolQmM;f] gePsf] .
-v_ cfwf/e"t z]o/wgLM;f] gePsf] .
-u_ v08 -s_ / -v_ df pNn]lvt s'g} JolQmsf] Psf3/ kl/jf/sf] ;b:o M ;f] gePsf] .
-3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfns jf cfwf/e"t z]o/wgLn] #) k|ltzt jf ;f] eGbf a9L
dtflwsf/ x'g] u/L z]o/ :jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yf M;f] gePsf] .
-ª_ ;+ul7t ;+:yfsf] jf To;sf] ;xfos sDkgLn] xfnsf] ;~rfns jf lghsf] Psf3/ kl/jf/sf] ;b:osf nflu
s'g} sf/f]af/ jf ;Demf}tf u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # jif{ cufl8sf] cjlwdf ljQLo
;+:yfsf]] ;~rfns jf ;~rfnssf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]af/ jf ;Demf}tf u/]sf] eP
;f] s'/fM ;f] gePsf] .
-r_ s'g} ;~rfns jf ;~rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP pQm
C0f ;DaGwL lj:t[t ljj/0f h:t} C0f jfkt lnPsf] /sd, C0fsf] Jofhb/, C0f lnPsf] ldlt, C0f e'QmfgL
cjlw cflbsf] ljj/0fM;f] gePsf] .
!@= ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f M

ljb]zL nufgL / Joj:yfkgdf ;+ul7t ;+:yf ;+rfng x'g] eP ;f] sf] ljj/0fsf ;fy} ;DalGwt ;Demf}tfsf] d'Vo
tyf tflTjs a'Fbfx? M ;f] gePsf] .
!#= ;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] ;DaGwL ljj/0f M
-s_ ;+ul7t ;+:yfsf] ljut # cfly{s jif{sf] k|To]s q}dfl;s cjlwsf] pRrtd, Go"gtd, clGtd ahf/ d"Nosf
;fy} sf/f]af/ ePsf] z]o/ ;+VofM lgisfzgstf{ sDkgL ;"rLs[t ;+ul7t ;+:yf gePsf] .
-v_ af]8{df ljj/0fkq btf{sf] nflu k|:t't ug'{eGbf ^ dlxgf cufl8sf] cjlwsf] dfl;s ?kdf pRr, Go"g /
clGtd d"Nosf ;fy} k|To]s dlxgfdf sf/f]af/ ePsf] s'n lbg / s'n sf/f]af/ ePsf] lwtf]kqsf] ;+VofM;f]
gePsf] .
35
!$= kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M
;+ul7t ;+:yfn] o; eGbf cuf8L lwtf]kq lgisfzg ubf{ tof/ u/]sf] ljj/0fkq jf cGo ljj/0fx?df pNn]lvt
ul/Psf nIo tyf sfo{qmdx? tyf v'b d'gfkmf xfl;n ug{ ;s]÷g;s]sf], g;s]sf] cj:yfdf nIo tyf
sfo{qmdsf ;fy} ljj/0fkq jf cGo ljj/0fx?df k|If]lkt v'b d'gfkmf eGbf aL; k|ltzt jf ;f] eGbf a9Ln] Go"g
x'g uPsf] eP o;/L km/s kgf{sf] sf/0f M ;f] gePsf] .
!%= k/fdz{bftf÷ljz]if1 ;DaGwL ljj/0f M

-s_ n]vfk/LIfs, k|d'v a}+s, lgisfzg sfo{;Fu ;+nUg a}+s, k|If]lkt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{
lj1 cflbsf] gfd tyf 7]ufgf M
-c_ n]vfk/LIfs M
ljQLo ;+:yfsf] cf=j= @)&&÷)&* sf] cfDbfgL vr{ lx;fa tyf jf;nftsf] n]vfk/LIf0f >L lk=Pr=
cf/=P;=P08 P;f]l;P6\;sf rf6{8{ Psfp6]06 >L ;'jf; kf}8]n Ho"n] ug'{ePsf] 5 .
-cf_ lgisfzg a}+s (Bankers to the Issue) M
lwtf]kq v/Lb -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&# k"0f{ ?kdf nfu" eO{;s]sf] ;Gbe{df ;f]
Joj:yf nfu" gx'g] .
-O{_ ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1 M
o; ljj/0fkqdf pNn]v ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ;f]
cfwf/df tof/ ul/Psf ljQLo k|If]k0fsf ljj/0f oyfy{k/s /x]sf] egL k|dfl0ft ug]{ ljz]if1df lk=Pd=P08
P;f]l;P6\;sf rf6{8{ Psfp6]06 >L kf/;d0fL cof{n Ho" /xg' ePsf] 5 .
-v_ dfly v08 -s_df pNn]lvt ;+:yf jf JolQm;Fu ePsf] ;xdltsf d'Vo d'Vo a"Fbf tyf zt{x? M
;f] gePsf] .
!^= cfof]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisfzg afx]s cGo ljQLo >f]tx? k|of]u ul/Psf] 5÷5}g, tT;DaGwL
ljj/0f M ;f] gePsf] .
!&= d'2f tyf ljjfb ;DaGwL ljj/0f M

-s_ ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;+rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2fdfldnf jf ljjfb eP
;f] ;DaGwL ljj/0f tyf pk/f]Qm d'2f jf ljjfbsf] sf/0faf6 kg{ ;Sg] k|efj ;DaGwdf Joj:yfkgsf] wf/0ff
M;f] gePsf] .
-v_ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;~rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL ljj/0f
M ;f] gePsf] .
-u_ ljut kfFr jif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;~rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf cfly{s
sf/0faf6 s'g} lgodg lgsfo jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;+:yfks÷;~rfnssf] gfd / ;hfo
ug]{ lgodg lgsfo jf cbfntsf] gfd ;DaGwL ljj/0f M;f] gePsf] .
-3_ ;+ul7t ;+:yf a}+s jf ljQLo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf],
lwtf]kqjfnfx?sf] s'g} /sd e'QmfgL gul/Psf] eP tT;DaGwL ljj/0f M;f] gePsf] .
!*= u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M
lgisflzt lwtf]kq ;DaGwL nufgLstf{x?sf] u'gf;f] tyf ;'emfj ;'Gg tyf ;f] sf] ;dfwfgsf nflu lwtf]kq
lgisfzg tyf laqmL k|aGws la=cf]=s]=Soflk6n dfs]{6 lnld6]8, gf/fo0frf}/, gS;fn, sf7df8f}+df Pp6f 5'§}
sIfsf] Joj:yf ul/Psf] 5 . s'g} klg nufgLstf{n] o; lgisfzg;Fu ;DalGwt ljifodf s'g} u'gf;f] jf ;'emfjsf
nflu cg'kfngf clws[tnfO{ lghs} sfo{sIfdf jf lghnfO{ sfof{no ;doleq )!–$%!#$(^ df ;Dks{ ug{
;lsg]5 .
!(= gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, v/Lb ul/Psf] ;DklQ jf
;]jf ;DaGwL ljj/0f, lgisfzg ul/Psf] lwtf]kqsf] ;+Vof / b/ ;DaGwL ljj/0f M ;f] gePsf] .
@)= C0fkq lgisfzg ;DaGwL ljj/0f M xfn;Dd sDkgLn] C0fkq hf/L u/]sf] 5}g .
36
@!= cu|flwsf/ z]o/ lgisfzg ;DaGwL ljj/0f M cu|flwsf/ z]o/ hf/L ul/Psf] 5}g .
@@= cGo ;fdfGo hfgsf/L M
-s_ ljz]if1sf] s'g} /fo ePdf, ;f] sf] ljj/0f M
o; ljQLo ;+:yfsf] Joj:yfkgaf6 tof/ ul/Psf] cfufdL # cfly{s jif{sf] k|If]lkt ljQLo ljj/0fnfO{
k'g/fjnf]sg u/L k|dfl0ft >L lk=Pd= P08 P;f]l;P6\;sf rf6{8{ Psfp6]06 >L kf/;d0fL cof{nn]] k|fylds z]o/
lgisfzg ug]{ k|of]hgsfnflu Joj:yfkgn] u/]sf] cg'dfgsf cfwf/df o;};fy ;+nUg ljQLo ljj/0fx? k|dfl0ft
ub{5' egL /fo pknAw u/fpg' ePsf] 5 . h'g cfwf/x? o;} ljj/0fkqsf] a'Fbf g+= ( s= h= df pNn]v ul/Psf]
5.
-v_ ut tLg cfly{s jif{ leqdf s'g} ;~rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f] sf] sf/0f M
ljut tLg cfly{s jif{ leqdf ;+rfnsdf ePsf] kl/jt{g / ;f] sf] sf/0f M
qm=
;~rfnssf] gfd cfly{s jif{ x6]sf]÷gofF lgo'lQm kl/jt{gsf] sf/0f
;+=
JolQmut sf/0fn] b]z afxL/ hfg'kg]{
!= >L rGb|snf >]i7 df:s] @)&%÷&^ x6]sf]
ePsf]n] .
ljQLo ;+:yfsf] klxnf] ;fwf/0f ;efaf6
;+:yfks ;]o/wgL tkm{af6 $ hgf dfq
@= >L dx]z k|;fb ltldlN;gf @)&%÷&^ x6]sf]
;~rfnsdf lgjf{lrt x'g] k|fjwfg /x]sf]
sf/0f .
ljQLo ;+:yfsf] klxnf] ;fwf/0f ;efaf6
>L dfwj k|;fb pkfWofo
;+:yfks ;]o/wgL tkm{af6 $ hgf dfq
#= -k|ltlgwL ul/df ljsf; a}+s @)&%÷&^ x6]sf]
;~rfnsdf lgjf{lrt x'g] k|fjwfg /x]sf]
ln=_
sf/0f .
tTsflng ;~rfns >L rGb|snf >]i7
$= >L k|ef lwtfn sf]O{/fnf @)&%÷&^ gofF lgo'lQm
df:s]]sf] :yfgdf k|lt:yfkg .
%= >L uf]s'n rGb| clwsf/L @)&%÷&^ gofF lgo'lQm :jtGq ;+~rfnsdf lgo'Qm ul/Psf] .
ljut tLg cfly{s jif{ leqdf n]vfk/LIfsdf ePsf] kl/jt{g / ;f] sf] sf/0f M
qm=
n]vfk/LIfssf] gfd cfly{s jif{ x6]sf]÷gofF lgo'lQm kl/jt{gsf] sf/0f
;+=
e't]{n P08 P;f]l;P6\;, sf7df8f}+ aflx/sf] sDkgL /x]sf] x'bf ;f]
!= ?kgb]xL g]kfn, rf68{ @)&^÷&& x6]sf] sDkgLn] n]vfk/LIf0f ug{ ;do lbg
PsfpG6]G; >L k|]d e't]{n g:sg] ePsf]n] .
lk=cf/=P;=Pr=P08 gofF n]vfk/LIfs lgo'lQm ug'{kg]{ ePsf]n] .
@= P;f]l;P6\;, sf7df8f}, rf68{ @)&^÷&& lgo'lQm
PsfpG6]G; >L ;'jf; kf}8]n
-u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M

?kfsf]6 dem'jfu9L g=kf=j8f g+=!, vf]6fËdf :yfoL 7]ufgf eO xfn sf7df8f}+ d=g=kf=j8f g+=&, sf7df8f}+df /xg' eO{
:gfts ;Ddsf] z}lIfs of]Uotf xfl;n ug'{ePsf o; ljQLo ;+:yfsf jl/i7 k|aGws >L w'|j s'df/ alhdo nfO{ o;
ljQLo ;+:yfsf] sDkgL ;lrjsf] lhDd]jf/L k|bfg ul/Psf] 5 .
-3_ ;fj{hlgs lgisfzg ug{sf nflu ;~rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M
o; ljQLo ;+:yfsf] ldlt @)&*÷)$÷)^ ut] a;]sf] ;~rfns ;ldltsf] a}7saf6 ;j{;fwf/0fsf] nflu 5'§fOPsf]
;fwf/0f z]o/ ;j{;fwf/0fdf lgisfzg ug]{ / ;f] lgisfzg ;DaGwL sfo{ ug{sf nflu >L la=cf]=s]=Soflk6n dfs]{6
lnld6]8, gf/fo0frf}/, gS;fn, sf7df8f+}nfO{ ;fwf/0f z]o/ ;j{;fwf/0fdf lgisfzg ug{ lwtf]kq lgisfzg tyf laqmL
k|aGws lgo'Qm ug]{ lg0f{o ePsf] 5 . ;fy} ljQLo ;+:yfsf] ldlt @)&*÷)(÷!* df ;DkGg rf}yf] jflif{s ;fwf/0f
;efaf6 ;d]t ;j{;fwf/0fdf z]o/ hf/L ug]{ ;DaGwL k|:tfjnfO{ ;j{;Ddt ?kdf kfl/t ePsf] 5 .
37
-ª_ ;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if s/ ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M
;f] gePsf] .
-r_ ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f
k|fKt ug{ jf x]g{ ;Sg] 7fpF / ;do M
sfof{no ;doleq lgDglnlvt :yfgx?df sDkgLsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf–
gf]S;fg lx;fj tyf gub k|jfxsf] ljj/0f k|fKt ug{ jf lg/LIf0f ug{ ;lsg]5 .
!= sDkgLsf] /lhi68{ -s]Gb|Lo sfof{no_ jfudtL k|b]z, ag]kf –&, sfe|]knf~rf]s .
@= lwtf]kq lgisfzg tyf laqmL k|aGws– la=cf]=s]= Soflk6n dfs]{6 lnld6]8, gf/fo0frf}/, gS;fn,
sf7df8f}+ .
-5_ af]g; z]o/ ;DaGwL Joj:yf M

xfn;Dd af]g; z]o/ hf/L ul/Psf] 5}g . eljiodf k|rlnt P]g / g]kfn lwtf]kq af]8{sf] k|rlnt af]g; z]o/
lgisfzg ;DaGwL Joj:yf cg';f/ af]g; z]o/ hf/L ug{ ;Sg]5 .
-h_ z]o/jfnf, sd{rf/L jf c? s;}sf] nflu z]o/ ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M
o; ljj/0fkqåf/f lgisfzg ul/Psf] k|lt ;fwf/0f z]o/ ?= !))÷– clÍt d"No (Par Value) sf] s'n ^&,))) lsQf
;fwf/0f z]o/dWo] hf/L k'FhLsf] )=%Ü cyf{t !,)#% lsQf ;fwf/0f z]o/x? ljQLo ;+:yfsf] ;]jfdf /x]sf sd{rf/Lx?sf
nflu 5'6\ofP/ ;'/lIft /flvPsf] 5 . ;fy} s"n ^&,))) lsQf ;fwf/0f z]o/ ;+Vofsf] %Ü cyf{t #,#%) lsQf ;fwf/0f
z]o/x? ;fd"lxs nufgL sf]ifsf] lglDt 5'6\ofP/ ;'/lIft /flvPsf] 5 . sd{rf/Lx?sf] nflu o;/L 5'6\ofOPsf] z]o/
sd{rf/Laf6 dfu eO{ cfPsf] xsdf ;~rfns ;ldltn] cf}lrTok"0f{ tj/af6 afF8kmfF6 ug]{]5 / sd{rf/Laf6 tyf
;fd"lxs nufgL sf]if of]hgfx?af6 ;Dk"0f{ z]o/sf nflu dfu eO{ gcfPsf] cj:yfdf afFsL z]o/x? ;j{;fwf/0fdf
yk u/L afF8kmfF6 ul/g]5 .
-em_ ljQLo ;+:yfn] sDkgL P]gn] u/]sf] Joj:yfx?, cfˆgf] sf/f]af/;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf
k"0f{ kfngf u/]sf] ;DaGwdf u/]sf] pb\3f]if0f M
ljQLo ;+:yfn] sDkgL P]g, @)^# n] u/]sf] Joj:yfx?, cfkm"n] ug]{ Joj;fo;Fu ;DalGwt P]g, lgod tyf lgodg
Joj:yf tyf lgodg lgsfox?n] lbPsf] lgb]{zgx?sf] k"0f{ ?kdf kfngf u/]sf] 5 / ;f]xL lgb]{zgx?sf] bfo/f leq
/xL sfo{ ul//x]sf] / o; ljj/0fkqdf pNn]v ul/Psf] ljj/0fx? ;d]t ;f]xL cg'?k tof/ ul/Psf] xf] eGg] sDkgLsf]
pb\3f]if0f /x]sf] 5 .
-`_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M

o; ljj/0fkq dfkm{t lgisflzt ;fwf/0f z]o/ laqmL ljt/0fsfnflu g]kfn lwtf]kq af]8{af6 cf:jf ;b:o k|fKt a}+s
tyf ljQLo ;+:yfx?sf b]ze/L km}lnP/ /x]sf tf]lsPsf zfvfx? dfkm{t cfj]bg lbg;Sg] Joj:yf /x]sf] 5.
-6_ ljj/0fkq tof/ ug]{ Joj;foLs ;+:yfsf] gfd / 7]ufgf ;DaGwL ljj/0f M
o; ljj/0fkq tof/ kfg]{ Jofj;flos ;+:yfdf lgisfzg tyf laqmL k|aGws la=cf]=s]=Soflk6n dfs]{6 lnld6]8,
gf/fo0frf}/,gS;fn, sf7df8f}+ /x]sf] 5 .
-7_ ;sf/fTds kIfx? M
 a}+lsË tyf ljQLo If]qdf cg'ejL tyf bIf Joj:yfksx?åf/f ;+rflnt .
 :yfkgfsf] 5f]6f] ;dod} u|fxs ;'xfpFbf] cfsif{s ;]jf tyf sfo{s|d ;fy} ljQLo ;+:yfsf] kl/sNkgf cg'?k
:yfgLo :t/df ;/n, ;'ne / ;xh 9+un] cfw'lgs tyf k|ljlwo'Qm a}+lsË k|0ffnLsf] ljsf; ug{ ;s]sf] .
 cfly{s, /fhgLlts / k|lt:kwL{ a}+lsË Joj;fo ;'xf+pbf] /0fgLlt cjnDjg u/L Joj;fo lj:tf/ ug{ ;kmn
/x]sf] .
38
-8_ z]o/ /lhi6«f/ ;DaGwL Joj:yf M
g]kfn :6s PS;r]Gh lnld6]8df ;"rLs/0f u/] kZrft\ z]o/sf] bflvn vf/]h, b:tvt ?h' cflb ;DaGwL sfo{ o;
sDkgLsf] sfof{noaf6 jf sDkgLsf] ;+rfns ;ldltn] tf]s] adf]lhd z]o/ /lhi6«f/sf] sfof{noaf6 x'g] u/L Joj:yf
ul/g]5 .
-9_ lwtf]kq laqmL v'Nnf cjlw M
o; ljj/0fkqåf/f ;fj{hlgs lgisfzg dfkm{t\ ;j{;fwf/0fx?df hf/L ul/g] z]o/x?sf] nflu cfj]bg lng] sfo{
sDtLdf $ sfo{ lbgsf] nflu v'Nnf ul/g]5 . ;f] cjlw leq ;fj{hlgs lgisfzg ul/Psf] ;a} lwtf]kq laqmL gePdf
b/vf:t v'Nnf ePsf] ldltn] a9Ldf !% lbgsf nflu lwtf]kqsf] b/vf:t v'Nnf /xg]5 .
-0f_ qm]l86 /]l6Ë ;DaGwL Joj:yf M

o; ljj/0fkq cg';f/ ;j{;fwf/0fx?df lgisfzg ul/g] ;fwf/0f z]o/sf] nflu æqm]l86 /]l6Ë lgodfjnL, @)^*Æ sf]
lgod # df ePsf] Joj:yf adf]lhd g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt qm]l86 /]l6Ë ;+:yf Care Rating
Nepal Ltd., k'tnL;8s, sf7df8f}+af6 qm]l86 /]l6Ë u/fO{ ldlt @)&*÷)^÷!* df “CARE-NP B+ (IS)” k|bfg
u/]sf] 5 . h;n] sDkgLsf] ljQLo bfloTj k"/f ug{ pRr hf]lvddf /x]sf] hgfpF5 . pQm /]l6Ësf] cjlw hf/L ldltaf6
Ps jif{ cyf{t\ ldlt @)&(÷)^÷!& ut];Dd /xg]5 . Care Rating Nepal Ltd. n] CARE-NP AAA (IS) b]lv CARE-
NP D (IS) KjfOG6 /]l6Ë k|bfg ub{5 . h;df /]l6Ë CARE-NP AAA (IS) n] alnof] cfwf/ hgfpF5 eg] /]l6Ë CARE-
NP D (IS) n] sdhf]/ cfwf/x? hgfpF5 .
@#= ;+rfns tyf lj1x?sf] gfd tyf b:tvt M

qm=;+= ;+rfnsx?sf] gfd kb b:tvt
!= >L ;"o{ s'df/L >]i7 cWoIf
@= gLlndf sfˆn] ;~rfns
#= ;';g sdf{rfo{ ;~rfns
$= k|ef lwtfn sf]O{/fnf ;~rfns
%= uf]s'n rGb| clwsf/L :jtGq ;~rfns
39
@$= lgisfzg tyf laqmL k|aGwsn] k|:t't u/]sf] k|lta4tf kq -8\o' 8]lnh]G;\ ;l6{lkms]6_ sf] k|lt M
40
@%= ljj/0fkq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;DaGwL kq M
41

sDkgLsf ljj/0fkqsf d'Vo ljifox

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sDkgLsf ljj/0fkqsf d'Vo ljifox

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sDkgL P]g, @)^# cGtu{t ;+:yflkt / a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhd sfd sf/f]af/

ug{ Ohfhtkq k|fKt

g]kfn /fi6« a}+saf6 “3” ju{sf] Ohfht k|fKt ;+:yf

nufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f M

lgodg lgsfosf] hjfkmb]xLtf g/xg] pb\3f]if0fM

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

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

@= ;+ul7t ;+:yfsf] pb\3f]if0f M

v_ ;+ul7t ;+:yfsf] hjfkmb]xLtf ;DaGwL pb\3f]if0f M

3_ ;+:yfks, ;+rfns tyf sfo{sf/L k|d'v ;DaGwL pb\3f]if0f M

-$_ ;+ul7t ;++:yfn] cf]u6]sf] ahf/ If]q M

-%_ gofF pTkfbg tyf ;]jf ;DaGwL of]hgf M

-&_ pTkfbg÷ ;~rfng Ifdtf / ;f]sf] pkef]u l:ylt M

-*_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M ;f] gePsf] .

-(_ u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf M

-!)_ cg';Gwfg tyf ljsf; M

$= k"FhL ;+/rgf ;DaGwL hfgsf/L M

o; sDkgLsf]] :yfkgf kZrft\ k"FhLdf ePsf] kl/jt{g ;DaGwL ljj/0f M

>L 3,000 n3'ljQ If]qdf

-3_ ;+:yfks÷;~rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M

^= ;Lldt bfloTj ;DaGwL ljj/0f M

&= ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL hfgsf/L M

-u_ sd{rf/Lsf] ;+VofM

-5_ If]qLos/0f / ljZjJofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M

-em_ ;~rfng Oltxf;sf] cefj M

-`_ k|ljlwsf] kl/jt{gaf6 x'g ;Sg] hf]lvd M

-6_ lwtf]kqsf] d"No kl/jt{g ;DaGwL hf]lvd M

pk/f]Qmfg';f/sf] hf]lvdx?nfO{ Go"g jf Joj:yfkg ug]{ ;DaGwdf Joj:yfkgsf] of]hgf M

lwtf]kqsf]] d"No kl/jt{g ;DaGwL hf]lvd M

gfkmf–gf]S;fg lx;fa ->fj0f !, @)&& b]lv cfiff9, #! @)&* ;Dd_

gfkmf–gf]S;fg afF8kmfF6 lx;fa ->fj0f !, @)&& b]lv cfiff9, #! @)&* ;Dd_

gub k|jfxsf] ljj/0f ->fj0f !, @)&& b]lv cfiff9, #! @)&* ;Dd_

gfkmf gf]S;fg lx;fa

gfkmf gf]S;fg afF8kmfF6 lx;fa

gub k|jfxsf] ljj/0f

gfkmf–gf]S;fg afF8kmfF6 lx;fa

gfkmf gf]S;fg lx;fj

gfkmf gf]S;fg afF8kmfF6 lx;fa

gub k|jfxsf] ljj/0f

!= s'n lgIf]kdf cf}ift a[l4b/ -k|ltztdf_ 14.44% 14.67% 14.59%

-v_ ljut # jif{sf] g]6jy{df ePsf] cf}ift k|ltkmn M &=!)%

!) lwtf]kq lgisfzg ;DaGwL ljj/0f M

-O{_ lwtf]kq afF8kmFf6 tyf k|df0fkq hf/L ;DjGwL k|s[of / ;dofjlw M

r_ k|Tofe"lt ;DaGwL ljj/0f M

!!= ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M

!@= ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f M

!%= k/fdz{bftf÷ljz]if1 ;DaGwL ljj/0f M

!&= d'2f tyf ljjfb ;DaGwL ljj/0f M

-u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M

-5_ af]g; z]o/ ;DaGwL Joj:yf M

-`_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M

-0f_ qm]l86 /]l6Ë ;DaGwL Joj:yf M

@#= ;+rfns tyf lj1x?sf] gfd tyf b:tvt M

!= >L ;"o{ s'df/L >]i7 cWoIf

@= gLlndf sfˆn] ;~rfns

#= ;';g sdf{rfo{ ;~rfns

$= k|ef lwtfn sf]O{/fnf ;~rfns

%= uf]s'n rGb| clwsf/L :jtGq ;~rfns

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