cfly{s jif{ @)&(÷*) sf] df}lb|s gLltsf]

t];|f] q}dfl;s ;dLIff

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no
jfn'jf6f/, sf7df8f}+
 ljifo–;"rL
k[i7e"ld .......................................................................................................... 1
df}lb|s gLltsf] t];|f] qodf;;Ddsf] sfof{Gjog ;dLIff ....................................................2
cfly{s tyf df}lb|s nIox?sf] l:ylt ......................................................................2
t/ntf Joj:yfkgsf] l:ylt ................................................................................2
Aofhb/sf] l:ylt .............................................................................................2
ljQLo If]q;DjGwL Joj:yfsf] sfof{Gjog l:ylt ............................................................ 3
If]qut shf{ .................................................................................................. 3
ljkGg ju{ shf{ .............................................................................................. 3
;x'lnotk"0f{ shf{ / k'g/shf{ .............................................................................. 3
ljQLo If]q ;'wf/ / lgodg Joj:yf ...................................................................... 4
ljb]zL ljlgdo Joj:yfkg .................................................................................... 4
cGt/f{li6«o cfly{s l:ylt Pjd\ kl/b[Zo .................................................................... 4
/fli6«o cfly{s tyf ljQLo l:ylt Pjd\ kl/b[Zo ........................................................... 5
afXo If]q..................................................................................................... 5
jf:tljs If]q .................................................................................................6
d'b|f:kmLlt .....................................................................................................6
;/sf/L ljQ ................................................................................................. 7
df}lb|s tyf ljQLo If]q ..................................................................................... 7
df}lb|s gLltsf] sfo{lbzf / pkfox? ........................................................................ 8
lgofdsLo pkfox? ........................................................................................... 8
 cfly{s jif{ @)&(÷*) sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff

cfly{s jif{ @)&(÷*) sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff

k[i7e"ld
1. g]kfn /fi6« a}+s P]g, @)%* adf]lhd cfly{s :yfloTj / cy{tGqsf] lbuf] ljsf;sf] lgldQ
d"No / zf]wgfGt/ l:y/tf sfod ug]{ d'Vo p2]Zox? /x]sf] 5 . pSt p2]Zox? xfl;n ug{
o; a}+sn] ljBdfg cfly{s tyf ljQLo l:ylt / kl/b[Zosf cfwf/df cfjZos df}lb|s gLlt
th'{df u/L ;f]sf] sfof{Gjog ub}{ cfPsf] 5 . q}dfl;s ?kdf klg cfly{s tyf ljQLo
l:yltsf] ;dLIff u/L df}lb|s gLltsf pkfox? cjnDag ug]{ Joj:yfadf]lhd rfn' cfly{s
jif{sf] of] t];|f] q}dfl;s ;dLIff ul/Psf] 5 .
2. d'n'ssf] pTkfbg tyf ljt/0f k|0ffnL cfoftdf cfwfl/t /x]sf] 5 . o;n] ubf{ cfly{s
ultljlw, Jofj;flos jftfj/0f, d'b|f:kmLlt / ljQLo tyf ;dli6ut cfly{s :yfloTjdf
k|lts"n c;/ kg{ glbg kof{Kt ljb]zL ljlgdo ;l~rlt /fVg' ckl/xfo{ 5 . ut jif{b]lv
;du| dfu Joj:yfkgsf dfWodaf6 ljb]zL ljlgdo ;l~rlt hf]ufpg cjnDag ul/Psf
gLltsf] k|efj:j?k afXo If]qdf ;'wf/ ePsf] 5 . ljb]zL ljlgdo ;l~rltdf ePsf]
;'wf/n] cfoft wfGg] Ifdtf a9]sf] 5 .
3. rfn' cfly{s jif{ ljk|]if0f cfk|jfxdf ;'wf/ ePsf] 5 . ko{6g cfo a9]sf] 5 . cfoft /
Jofkf/ 3f6fsf] cfsf/ 36]sf] 5 . ut jif{sf] t'ngfdf rfn' vftf 3f6fdf pNn]Vo ;'wf/
cfPtfklg o:tf] vftf eg] cem} 3f6fdf g} /x]sf] 5 . tfklg k'FhL tyf C0f cfk|jfxsf
sf/0f @)&( c;f]hb]lv zf]wgfGt/ artdf /xg yfn]sf] 5 . zf]wgfGt/ artdf /xg z'?
eP;Fu} a}lsË If]qsf] t/ntf l:yltdf ;'wf/ ePsf] 5 . kmn:j?k, cfwf/ b/ tyf Aofhb/df
sdL cfpg z'? ePsf] 5 .
4. a}+s tyf ljQLo ;+:yfsf] lglij|mo shf{sf] cfsf/ s]xL dfqfdf a9\g uPsf] 5 . a}+lsË If]q
nlIft u}/Jofj;flos ultljlwn] lglij|mo shf{ a9\g'sf ;fy} Jofj;flos jftfj/0fdf ;d]t
k|lts"n c;/ k/]sf] 5 . lglij|mo shf{ j[l4 x'Fbf Aofhb/dfly rfk kg'{sf] cltl/St d'n'ssf]
nufgL Ifdtfdf ;d]t x|f; cfpg ;Sb5 . o:tf ultljlwx?nfO{ lg?T;flxt ug{' cfjZos
/x]sf] 5 .
5. cfly{s jif{ @)&(÷*) df lgdf{0f, pTkfbgd"ns pBf]u / yf]s tyf v'b|f Jofkf/ If]q
k|efljt ePsf sf/0f cfly{s j[l4 nlIfteGbf Go"g /xg] b]lvPsf] 5 . csf]{tkm{, jflif{s
cf};t d'b|f:kmLlt k|If]lkteGbf s]xL pRr /xg] cg'dfg 5 . df}lb|s tyf shf{ lj:tf/nfO{
dWogh/ ubf{ dfu kIfeGbf cfk"lt{ kIfaf6 d"Nodf rfk kg{ uPsf] l:ylt 5 .
6. cGt/f{li6«o :t/df d'b|f:kmLlt lgoGq0f ug{ cjnDag ul/Psf] sl;nf] gLltut sfo{lbzfsf
sf/0f d'b|f:kmLlt;DaGwL ck]Iffdf c+s'z nfu]sf] 5 . tyflk, d'b|f:kmLlt ljZj :t/df cem}
pRr /x]sf] 5 . d'b|f:kmLlt lgoGq0f ug{ clwsf+z s]Gb|Lo a}+sx?n] cjnDag u/]sf] df}lb|s
gLltsf] sl;nf] sfo{lbzfnfO{ cem} lg/Gt/tf lbPsf 5g\ . sl;nf] df}lb|s gLlt / ?;–
o'qm]gaLr hf/L o'4 nufotsf sf/0f ljZj cy{tGqsf] j[l4b/df sdL cfpg] cg'dfg 5 .
7. pko'{Qm k[i7e"lddf rfn' cfly{s jif{sf] gf} dlxgf;Dddf ePsf] df}lb|s gLltsf] sfof{Gjog
l:ylt, cfGtl/s Pjd\ ljZj cy{tGqnufot l5d]sL b]zx?sf] cfly{s l:ylt tyf kl/b[Zo
/ cjnDag ul/Psf] df}lb|s gLltsf] sfo{lbzfn] g]kfnsf] ;dli6ut cfly{s Joj:yfkgdf
k|efj kfg]{ ePsf] x'Fbf ;f] ;d]tnfO{ dWogh/ u/L of] ;dLIff ul/Psf] 5 .

1
g]kfn /fi6« a}+s

df}lb|s gLltsf] t];|f] qodf;;Ddsf] sfof{Gjog ;dLIff

cfly{s tyf df}lb|s nIox?sf] l:ylt
8. cfly{s jif{ @)&(÷*) df slDtdf & dlxgfsf] j:t' tyf ;]jf cfoft wfGg kof{Kt x'g]
u/L ljb]zL ljlgdo ;l~rlt sfod ug]{ nIo /x]sf]df @)&( r}t d;fGtdf (=$ dlxgfsf]
j:t' tyf ;]jf cfoft wfGg k'Ug] ljb]zL d'b|f ;l~rlt /x]sf] 5 .
9. cfly{s jif{ @)&(÷*) df jflif{s cf};t pkef]Qmf d'b|f:kmLlt &=) k|ltztsf] ;Ldfleq
/fVg] nIo /x]sf]df klxnf] gf} dlxgfdf cf};t pkef]Qmf d'b|f:kmLlt &=(! k|ltzt /x]sf]
5.
10. cfly{s jif{ @)&(÷*) df lj:t[t d'b|fk|bfosf] jflif{s j[l4b/ !@ k|ltzt;Ddn] x'g] k|If]k0f
/x]sf]]df jflif{s laGb'ut cfwf/df @)&( r}t d;fGtdf o:tf] j[l4b/ (=( k|ltzt /x]sf]
5 . To:t}, cfly{s jif{ @)&(÷*) df df}lb|s If]qsf] lghL If]qdflysf] bfaL !@=^
k|ltzt;Ddn] j[l4 x'g] k|If]k0f /x]sf]df jflif{s laGb'ut cfwf/df @)&( r}t d;fGtdf
o:tf] j[l4b/ $=) k|ltzt /x]sf] 5 .
t/ntf Joj:yfkgsf] l:ylt
11. rfn' cfly{s jif{df afXo If]qdf cfPsf] ;'wf/sf sf/0f ljQLo k|0ffnLsf] t/ntf l:yltdf
klg ;'wf/ ePsf] 5 . kmn:j?k, ut jif{sf] t'ngfdf rfn' cfly{s jif{sf] r}t d;fGt;Dddf
df}lb|s Joj:yfkgsf pks/0fdfkm{t\ ljQLo k|0ffnLdf sd t/ntf k|jfx ePsf] 5 .
12. rfn' cfly{s jif{sf] r}t d;fGt;Dddf v'nf ahf/ sf/f]af/dfkm{t ?=$(* ca{ ^$ s/f]8
v'b t/ntf k|jfx ul/Psf] 5 . t/ntf Joj:yfkgsf nflu a}+s tyf ljQLo ;+:yfn] :yfoL
t/ntf ;'ljwfdfkm{t\ k6s k6s u/L ?=@&@^ ca{ *! s/f]8 /sd o; a}+saf6 pkof]u
u/]sf 5g\ . ut jif{sf] o;} cjlwdf v'nf ahf/ sf/f]af/dfkm{t ?=$)* ca{ (& s/f]8
v'b t/ntf k|jfx ePsf] lyof] eg] a}+s tyf ljQLo ;+:yfn] :yfoL t/ntf ;'ljwfdfkm{t \
k6s k6s u/L ?=%&&# ca{ &% s/f]8 a/fa/sf] /sd pkof]u u/]sf lyP .
13. @)&( k'; ! b]lv k|of]udf cfPsf] cf]e/gfO6 t/ntf ;'ljwfdfkm{t\ rfn' cfly{s jif{sf]
r}t d;fGt;Dddf a}+s tyf ljQLo ;+:yfn] k6s k6s u/L ?=!@!* ca{ ^# s/f]8
a/fa/sf] cf]e/gfO6 t/ntf ;'ljwf pkof]u u/]sf 5g\ .
14. rfn' cfly{s jif{sf] t];|f] qodf;;Dddf ljb]zL ljlgdo ahf/df ljb]zL d'b|fsf] vl/b u/L
?=%%& ca{ *! s/f]8 a/fa/sf] t/ntf k|jfx ePsf] 5 . ut jif{sf] o;} cjlwdf ljb]zL
d'b|fsf] vl/bdfkm{t ?=@)# ca{ ( s/f]8 v'b t/ntf k|jfx ePsf] lyof] .
Aofhb/sf] l:ylt
15. df}lb|s gLltsf] ;+rfng nIosf] ?kdf lnOPsf] a}+s tyf ljQLo ;+:yfaLrsf] efl/t cf};t
cGt/–a}+s b/ @)&* r}tdf ^=(( k|ltzt /x]sf]df @)&( r}tdf &=)! k|ltzt sfod
ePsf] 5 .
16. @)&( r}tdf (!–lbg] 6«]h/L ljnsf] efl/t cf};t Aofhb/ (=&$ k|ltzt sfod ePsf]
5 . @)&* r}tdf o:tf] Aofhb/ &=%* k|ltzt /x]sf] lyof] .
17. jfl0fHo a}+sx?sf] cf};t cfwf/ b/ @)&( r}tdf !)=$* k|ltzt /x]sf] 5 . @)&* r}tdf
o:tf] b/ (=!& k|ltzt /x]sf] lyof] . @)&( r}tdf lgIf]ksf] efl/t cf};t Aofhb/
*=@^ k|ltzt /x]sf] 5 . @)&* r}tdf o:tf] Aofhb/ &=!! k|ltzt /x]sf] lyof] . To;}u/L,
2
 cfly{s jif{ @)&(÷*) sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff

@)&( r}tdf shf{sf] efl/t cf};t Aofhb/ !@=*$ k|ltzt /x]sf] 5 . @)&* k';df
o:tf] Aofhb/ !)=&* k|ltzt /x]sf] lyof] . @)&( df3b]lv lgIf]ksf] efl/t cf};t Aofhb/
/ efl/t cf};t cfwf/ b/ 36\g z'? u/]sf] 5 .
18. lgIf]k / shf{sf] efl/t cf};t jf:tljs -real_ Aofhb/ @)&* r}tsf] t'ngfdf @)&(
r}tdf a9]sf] 5 . @)&( r}tdf lgIf]ksf] efl/t cf};t jf:tljs Aofhb/ )=%) k|ltzt
/ shf{sf] efl/t cf};t jf:tljs Aofhb/ %=)* k|ltzt /x]sf] 5 . @)&* r}tdf lgIf]ksf]
efl/t cf};t jf:tljs Aofhb/ )=!& k|ltztn] C0ffTds /x]sf] lyof] eg] shf{sf] efl/t
cf};t jf:tljs Aofhb/ #=%) k|ltzt /x]sf] lyof] .
ljQLo If]q;DjGwL Joj:yfsf] sfof{Gjog l:ylt
If]qut shf{
19. jfl0fHo a}+sx?n] @)*) c;f/ d;fGt;Dddf s'n shf{ nufgLsf] Go"gtd !! k|ltzt
s[lif If]qdf, ^ k|ltzt pmhf{ If]qdf / !! k|ltzt n3', 3/]n', ;fgf Pjd\ demf}nf pBdsf]
If]qdf -?=! s/f]8eGbf sd /sdsf shf{ tyf k|ToIf ?kdf k|jfx ePsf ljkGg ju{
shf{;d]t_ k|jfx ug'{kg]{ Joj:yf /x]sf]df @)&( r}t d;fGtdf s[lif If]qdf !#=! k|ltzt
-?=%%@ ca{ #( s/f]8_, pmhf{ If]qdf ^=^ k|ltzt -?=@&& ca{ @$ s/f]8_ / n3', 3/]n',
;fgf Pjd\ demf}nf pBdsf If]qdf (=( k|ltzt -?=$!% ca{ %^ s/f]8_ shf{ nufgLdf
/x]sf] 5 .
20. ljsf; a}+sx?n] @)*) c;f/ d;fGt;Dddf s'n shf{ nufgLsf] !^ k|ltzt shf{ s[lif,
n3', 3/]n' tyf ;fgf pBd÷Joj;fo, pmhf{ / ko{6g If]qdf k|jfx ug'{kg]{ Joj:yf /x]sf]df
@)&( r}t d;fGt;Dddf pQm If]qx?df cf};t @^=) k|ltzt -?=!!@ ca{ %& s/f]8_
shf{ nufgLdf /x]sf] 5 . To;}u/L, ljQ sDkgLx?n] @)*) c;f/ d;fGt;Dd s'n shf{
nufgLsf] !! k|ltzt s[lif, n3', 3/]n' tyf ;fgf pBd÷Joj;fo, phf{ / ko{6g If]qdf
k|jfx ug'{kg]{ Joj:yf /x]sf]df @)&( r}t d;fGt;Dddf pQm If]qx?df cf};t @@=%
k|ltzt -?=!( ca{ *$ s/f]8_ shf{ nufgLdf /x]sf] 5 .
ljkGg ju{ shf{
21. a}+s tyf ljQLo ;+:yfx?n] cfˆgf] s'n shf{ ;fk6sf] Go"gtd % k|ltzt shf{ ljkGg
ju{df k|jfx ug'{kg]{ Joj:yf /x]sf]df @)&( r}t d;fGt;Dddf jfl0fHo a}+sx?sf] ^=$
k|ltzt -?=@&! ca{ #% s/f]8_, ljsf; a}+sx?sf] !)=! k|ltzt -?=$# ca{ ^! s/f]8_ /
ljQ sDkgLx?sf] ^=^ k|ltzt -?=% ca{ *# s/f]8_ shf{ ljkGg ju{df nufgLdf /x]sf]
5.
;x'lnotk"0f{ shf{ / k'g/shf{
22. g]kfn ;/sf/sf] Aofh cg'bfgdf ;~rflnt ;x'lnotk"0f{ shf{ sfo{qmdcGtu{t @)&( r}t
d;fGt;Dd s'n ! nfv $& xhf/ * ;o & C0fLnfO{ ?=@)% ca{ !! s/f]8 shf{ nufgLdf
/x]sf] 5 .
23. s[lif nufotsf pTkfbgzLn If]q, n3' pBd, lgof{t / sf]le8 dxfdf/Laf6 k|efljt If]qdf
k|jflxt shf{nfO{ pknAw u/fOPsf] k'g/shf{ ;'ljwf @)&( r}t d;fGtdf ?=% ca{ &&
s/f]8 nufgLdf /x]sf] 5 .
3
g]kfn /fi6« a}+s

ljQLo If]q ;'wf/ / lgodg Joj:yf

24. cGt/a}+s ahf/, b}lgs t/ntf ;'ljwf, v'nf ahf/ sf/f]af/ / :yfoL t/ntf ;'ljwfsf
dfWodaf6 t/ntf Joj:yfkg ug{ g;s]sf a}+s tyf ljQLo ;+:yfnfO{ dfuadf]lhd a}+s
b/df @ k|ltzt laGb'n] k]gfn b/ yk u/L clGtd C0f bftf ;'ljwf (Lender of Last
Resort Facility-LOLR) pknJw x'g] gLltut Joj:yf;lxt g]kfn /fi6« a}+s clGtd
C0fbftf ;'ljwf;DaGwL ljlgodfjnL, @)&( hf/L ul/Psf] 5 .
25. ;fgf tyf demf}nf pBf]u–Joj;fo ;~rfngnfO{ ;xhLs/0f ug{ a}+s tyf ljQLo ;+:yfaf6
k|jfx ePsf] ?=@ s/f]8;Ddsf] shf{nfO{ ;DalGwt C0fLsf] cg'/f]wdf pBf]u–Joj;fosf]
gub k|jfx tyf cfDbfgL] ljZn]if0f u/L Ps k6ssf] nflu tf]lsPsf zt{x?sf] cwLgdf
/xL @)*) c;f/ d;fGtleq shf{sf] k'g/;+/rgf tyf k'g/tflnsLs/0f ug{ kfpg] Joj:yf
sfof{Gjogdf cfPsf] 5 .
26. s[lif nufotsf pTkfbgzLn If]q, n3' pBd, lgof{t / sf]le8 dxfdf/Laf6 k'g?Tyfg x'g
afFls clt k|efljt If]qdf k|jflxt shf{nfO{ pknAw u/fOg] k'g/shf{ ;'ljwfnfO{ lg/Gt/tf
lbOg] u/L g]kfn /fi6« a}+s k'g/shf{ sfo{ljlw, @)&& nfO{ ;+zf]wg ul/Psf] 5 .
27. @)*) h]7 d;fGt;Dd e'QmfgLsf] efvf /x]sf] shf{sf] ;fFjf÷Aofh C0fLn] efvf gf3]sf]
#) lbgleq e'Qmfg u/]df k]gfn Aofh lng gkfOg] Joj:yf sfof{Gjogdf cfPsf] 5 .
ljb]zL ljlgdo Joj:yfkg
28. g]kfndf :yfkgf ePsf s'g} kmd{, sDkgL, ;+:yf jf k|fs[lts JolQmn] ljb]zl:yt ;]jf
vl/b ug]{ kmd{, sDkgL, ;+:yf jf k|fs[lts JolQmnfO{ g]kfnaf6 ;]jf pknAw u/fPjfkt
a}+lsË k|0ffnLsf] dfWodaf6 kl/jTo{ ljb]zL d'b|f leq\ofpg];DaGwL Joj:yf sfof{Gjogdf
cfPsf] 5 .
29. ;fj{hlgs v/Lb sfg'g nfu" x'g] ;fj{hlgs lgsfox?n] j:t', ;]jf, k/fdz{, lgdf{0f sfo{
cflb v/Lbsf nflu cGt/f{li6«o af]nkq cfXjfg u/L 5gf}6 ePsf g]kfnL af]nkqbftfnfO{
kl/jTo{ ljb]zL d'b|fdf e'QmfgL ug{ ;Sg] Joj:yf sfof{Gjogdf cfPsf] 5 .
cGt/f{li6«o cfly{s l:ylt Pjd\ kl/b[Zo
30. ;g\ @)@# el/ ljZj cy{tGq lzlyn /xg] k|If]k0f /x]sf] 5 . cGt/f{li6«o d'b|fsf]ifn] ;g\
@)@# clk|ndf ;fj{hlgs u/]sf] k|If]k0fcg';f/ ljZj cy{tGq / ljsl;t Pjd\ pbLodfg
cy{tGqsf] j[l4b/ ;g\ @)@# df yk sdhf]/ x'g] / ;g\ @)@$ df ;LdfGt ?kn] dfq
;'wf/ x'g] b]lvPsf] 5 . ljsl;t d'n'ssf] ljQLo If]qn] ;fdgf ug'{ k/]sf] bafasf sf/0f
ljsl;t Pjd\ pbLodfg cy{tGq k|efljt ePsf] x'Fbf oL cy{tGqx?sf] ;fy} ljZj
cy{tGqsf] cfly{s j[l4b/ ;g\ @)@# hgj/Ldf ul/Psf] k|If]k0feGbf sd /xg] k|If]k0f
sf]ifn] u/]sf] 5 .
31. ljZj cy{tGq ;g\ @)@@ df #=$ k|ltztn] lj:tf/ ePsf]df ;g\ @)@# Dff @=* k|ltzt
/ ;g\ @)@$ Dff #=) k|ltztn] lj:tf/ x'g] sf]ifsf] k|If]k0f 5 . To;}u/L, ljsl;t cy{tGq
;g\ @)@@ Dff @=& k|ltztn] lj:tf/ ePsf]df ;g\ @)@# df !=# k|ltzt / ;g\ @)@$
df !=$ k|ltztn] lj:tf/ x'g] sf]ifsf] k|If]k0f /x]sf] 5 .
32. pbLodfg tyf ljsf;f]Gd'v d'n'sx?sf] cy{tGq ;g\ @)@@ df $=) k|ltztn] lj:tf/
ePsf]df ;g\ @)@# df #=( k|ltzt / ;g\ @)@$ df $=@ k|ltztn] lj:tf/ x'g] k|If]k0f
4
 cfly{s jif{ @)&(÷*) sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff

/x]sf] 5 . l5d]sL d'n'sx? Eff/t / rLgsf] cy{tGq ;g\ @)@@ df qmdzM ^=* k|ltzt
/ # k|ltztn] lj:tf/ ePsf]df ;g\ @)@# df qmdzM %=( Kf|ltzt / %=@ k|ltztn] tyf
;g\ @)@$ df qmdzM ^=# k|ltzt / $=% k|ltztn] lj:tf/ x'g] k|If]k0f /x]sf] 5 .
33. ljZj :t/df cem} pRr /x]sf] d'b|f:kmLltdf qmdzM ;'wf/ x'Fb} hfg] sf]ifsf] k|If]k0f /x]sf]
5 . ;g\ @)@@ df ljZj d'b|f:kmLlt *=& k|ltzt /x]sf]df ;g\ @)@# df & k|ltzt / ;g\
@)@$ df $=( k|ltztdf emg]{ sf]ifn] k|If]k0f u/]sf] 5 . ;g\ @)@@ df ljsl;t /
ljsf;f]Gd'v d'n'sx?sf] d'b|f:kmLlt qmdzM &=# k|ltzt / (=* k|ltzt /x]sf]df ;g\ @)@#
Dff qmdzM $=& k|ltzt / *=^ k|ltzt tyf ;g\ @)@$ df qmdzM @=^ k|ltzt / ^=%
k|ltztdf emg]{ sf]ifsf] k|If]k0f /x]sf] 5 .
34. ;g\ @)@@ sf] z'?b]lv g} d'b|f:kmLlt ck]Iffdf c+s'z nufpg ljZjsf clwsf+z s]Gb|Lo
a}+sx?n] cjnDag u/]sf] df}lb|s gLltsf] sl;nf] sfo{lbzfnfO{ cem} hf/L /fv]sf 5g\ .
cd]l/sL km]8/n l/he{n] ;g\ @)@@ dfr{b]lv # d] ;g\ @)@# ;Dddf km]8/n km08 /]6
j[l4 u/L )–)=@% k|ltztaf6 a9fP/ %–%=@% k|ltzt k'¥ofPsf] 5 . o; cjlwdf km]8/n
km08 /]6 % k|ltzt laGb'n] j[l4 ePsf] 5 . pRr d'b|f:kmLlt ck]Iffdf c+s'z nufpg'sf]
;fy} ljsl;t d'n'sx?n] cjnDag u/]sf] sl;nf] df}lb|s gLltsf] k|efj ljQLo ahf/df
kg{ glbg pbLodfg d'n'sx?n] klg df}lb|s gLltnfO{ sl;nf] agfPsf 5g\ . ef/tLo l/he{
a}+sn] kl5Nnf] k6s ;g\ @)@# km]j|'c/L dlxgfdf l/kf] /]6df @% cfwf/ laGb'n] j[l4 u/L
^=% k|ltzt k'¥ofPsf] 5 eg] :yfoL t/ntf ;'ljwfsf] Aofhb/ ^=&% k|ltzt k'u]sf] 5 .
35. jf:tljs d'b|f:kmLlt 36\g] qmddf /x]klg nIo eGbf cem} pRr /x]sf sf/0f ljsl;t /
pbLodfg d'n'sx?n] cjnDag u/]sf] sl;nf] df}lb|s gLltsf] sfo{lbzfn] ;g\ @)@# el/
g} lg/Gt/tf kfpg] b]lvPsf] 5 .
/fli6«o cfly{s tyf ljQLo l:ylt Pjd\ kl/b[Zo
afXo If]q
36. rfn' cfly{s jif{ j}b]lzs Jofkf/df lu/fj6 cfPsf] 5 . cfly{s jif{ @)&(÷*) sf] gf}
dlxgf;Dddf j:t' lgof{t @^=# k|ltzt, j:t' cfoft !*=! k|ltzt / Jofkf/ 3f6f !&=!
k|ltztn] 36]sf 5g\ . rfn' cfly{s jif{sf] gf} dlxgfsf] dfl;s cf};t cfoft ?=!## ca{
%) s/f]8 /x]sf] 5 . cfoft k|ltaGw / k|tLtkq vf]Nbf gub dflh{g /fVg' kg]]{;DjGwL
Joj:yf x6fOP;Fu} cfoft / Jofkf/ 3f6fsf] 36\bf] qmd eg] sd x'Fb} uPsf] 5 . rfn' jif{
j:t' cfoft s/La ?=!^%) ca{ x'g] cg'dfg 5 .
37. rfn' cfly{s jif{ rfn' vftf ;'wf/ ePklg cem} 3f6fdf /x]sf] 5 tfklg zf]wgfGt/ art
ePsf] 5 . rfn' cfly{s jif{sf] gf} dlxgf;Dddf rfn' vftf ?=%! ca{ *@ s/f]8n] 3f6fdf
/x]sf] 5 . tyflk, k'FhL cfk|jfx, pwf/f] cfoft / afXo C0f kl/rfngsf sf/0f zf]wgfGt/
l:ylt eg] ?=!*) ca{ !& s/f]8n] artdf /x]sf] 5 . ut cfly{s jif{sf] o;} cjlwdf
rfn' vftf ?=%!) ca{ %* s/f]8 / zf]wgfGt/ l:ylt ?=@^* ca{ @^ s/f]8n] 3f6fdf
/x]sf] lyof] .
38. ljk|]if0f cfk|jfx ;'wf/f]Gd'v /x]sf] 5 . cfly{s jif{ @)&(÷*) sf] gf} dlxgf;Dddf ljk|]if0f
cfk|jfx g]kfnL ?k}ofFdf @$=@ k|ltzt / cd]l/sL 8n/df !#=( k|ltztn] a9]sf] 5 .
j}b]lzs /f]huf/Ldf uPsf g]kfnLsf] ;+VofnfO{ b[li6ut ubf{ ljk|]if0f cfk|jfx cfufdL
dlxgfx?df klg ;Gtf]ifhgs /xg] b]lvG5 .

5
g]kfn /fi6« a}+s

39. ko{6s cfudg a9]sf] 5 . cfly{s jif{ @)&(÷*) sf] gf} dlxgfdf g]kfn cfpg] afXo
ko{6ssf] ;+Vofdf j[l4 eO{ e|d0f cfo ($=# k|ltztn] a9]sf] 5 . sf]le8 ;+qmd0f Go"g
x'Fb} uPsf] / o; lj?4sf] vf]k ;xh ePsf] jt{dfg cj:yfnfO{ b[li6ut u/L ljZj :jf:Yo
;+u7gn] :jf:Yo ;+s6sfn cGTo u/]sf] 5 . pko'{Qm tYonfO{ b[li6ut ubf{ ko{6g If]q
qmlds ?kdf ;'wf/ x'Fb} hfg] b]lvG5 .
40. ljb]zL ljlgdo ;l~rlt Go"gtd nlIft :t/eGbf dfly /x]sf] 5 . @)&( c;f/ d;fGtsf]
t'ngfdf s'n ljb]zL ljlgdo ;l~rlt !&=( k|ltztn] j[l4 eO{ @)&( r}t d;fGtdf
?=!$## ca{ &# s/f]8 k'u]sf] 5 . cd]l/sL 8n/df o:tf] ;l~rlt !$=* k|ltztn] j[l4
eO{ !) ca{ ($ s/f]8 k'u]sf] 5 . rfn' cfly{s jif{sf] gf} dlxgf;Ddsf] cfoftnfO{ cfwf/
dfGbf ljb]zL ljlgdo ;l~rltn] j:t' cfoft wfGg ;Sg] Ifdtf !! dlxgf / j:t' tyf
;]jf cfoft wfGg ;Sg] Ifdtf (=$ dlxgf a/fa/ /x]sf] 5 .
41. lghL If]qtkm{sf] dfu / ;/sf/L k'FhLut vr{ lzlyn /xFbf klg afXo If]qtkm{sf] rfn'
vftf 3f6fdf g} /x]sf] l:ylt 5 . nlIft cfly{s j[l4 xfl;n ug{ cfjZos nufgL x'g
uPdf rfn' vftf yk bafadf kg{ uO{ Aofhb/df k'gMrfk kg]{ ;Defjgf 5 . o;y{,
t/ntfsf] l:ylt ;xh agfO{ Aofhb/df cfPsf] ;'wf/ sfod /fVg ;fj{hlgs ljQ
Joj:yfkgsf] 7"nf] e"ldsf /xg] b]lvG5 .
jf:tljs If]q
42. rfn' cfly{s jif{ cfly{s j[l4 b/ sd /xg] b]lvPsf] 5 . /fli6«o tYofÍ sfof{non] cfly{s
jif{ @)&(÷*) df cfly{s j[l4 cfwf/e"t d"Nodf @=!^ k|ltzt / pTkfbssf] d"Nodf
!=*^ k|ltzt /xg] cg'dfg u/]sf] 5 . t/ntf ;xh x'Fb} uPsf], Aofhb/ 36\bf] qmddf
/x]sf] / rf}yf] qodf;df k'FhLut vr{ a9L x'g] k|j[lQ /x]sf]n] lghL If]qdf x'g] cfly{s
ultljlw qmdzM ;xh aGb} hfg]] b]lvG5 .
43. yf]s tyf v'b|f Jofkf/, vfgL tyf pTvgg, pTkfbgd"ns If]qnufot cy{tGqsf cGo
If]q;Fu lgdf{0f If]qsf]] cu| tyf k[i7 ;DaGw -forward and backward linkage_ /x]sf]
;Gbe{df cy{tGqnfO{ yk rnfodfg agfpg k"jf{wf/ nufot ljsf; lgdf{0fsf ultljlwdf
tLa|tf Nofpg' cfjZos 5 .
44. t];|f] qodf;;Dd s[lif / ;]jf If]q cGtu{tsf ko{6g, lzIff, :jf:Yo, ljQLo ;]jf,
k|zf;lgs ;]jf h:tf s]xL ultljlwx? ;Gtf]ifk|b /x]sf 5g\ . df};dL cg's"ntf /
/f;folgs dnsf] pknAwtfsf sf/0f ;du|df s[lif pTkfbgdf ;sf/fTds k|efj k/]sf]
5 . ljB't hl8t Ifdtf a9]sf] 5 . ljk|]if0f cfk|jfx ;Gtf]ifk|b /x]sf] 5 . ljb]zL ko{6ssf]
cfudg ;+Vofdf ;'wf/ eO{ ko{6g If]qsf] k'g?Tyfgdf ;xof]u k'u]sf] 5 .
d'b|f:kmLlt
45. d'b|f:kmLlt cem} nIoeGbf s]xL dfly /x]sf] 5 . @)&( r}t d;fGtdf jflif{s laGb'ut
d'b|f:kmLlt &=&^ k|ltzt /x]sf] 5 . @)&* r}t d;fGtdf o:tf] d'b|f:kmLlt &=@* k|ltzt
/x]sf] lyof] . ut jif{sf] gf} dlxgfdf cf};t d'b|f:kmLlt %=&# k|ltzt /x]sf]df rfn' jif{sf]
gf} dlxgfdf cf};t d'b|f:kmLlt &=(! k|ltzt /x]sf] 5 . vfBfGg, b'Uwkbfy{, 3/fo;L pkef]Uo
j:t'x?, cfoftLt j:t'x? / O{Gwgsf] d"No j[l4sf ;fy} g]kfnL ?k}ofF cjd"Nogsf sf/0f
pkef]Qmf d"Nodf rfk kl//x]sf] 5 . rfn' cfly{s jif{sf] cf};t d'b|f:kmLlt nIoeGbf s]xL
dfly /xg] b]lvG5 .
46. g]kfndf pkef]Uo j:t'sf] d"No vf;u/L cfGtl/s pTkfbg, cfoftLt j:t'x?sf] d"No /
yf]s tyf v'b|f laqm]tfn] lng] dflh{gdf lge{/ /xg] ub{5 . cfofttkm{, s/La b'O{–ltxfO{
6
 cfly{s jif{ @)&(÷*) sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff

cfoft ef/taf6 x'g] u/]sf] 5 . ef/tdf yf]s d"No 36\b} uO/x]sf] 5 . ;g\ @)@@ dfr{
dlxgfdf ef/tdf yf]s d"No j[l4 !$=^# k|ltzt /x]sf]df ;g\ @)@# dfr{ dlxgfdf !=#$
k|ltztdf em/]sf] 5 . o;y{, afXo tyf cfGtl/s cfly{s kl/b[Zo / cfoftLt j:t'x?sf]
36\bf] d"No j[l4b/nfO{ b[li6ut ubf{ d"Nodf /x]sf] rfk qmdzMsd x'Fb} hfg] b]lvG5 . ;fy},
laqm]tfnfO{ c:jefljs dflh{g lng glbg] u/L ahf/ cg'udg k|efjsf/L agfpg ;s]df
/ cGt/f{li6«o ahf/df OGwgsf] d"No 36]cg'?k g]kfndf klg OGwgsf] d"No ;dfof]hg u/L
;jf/L ;fwgsf] ef8f b/ 36]df pkef]Qmf d'b|f:kmLlt 36\g yk ;xof]u k'Ug]5 .
47. @)&( r}t dlxgfdf ul/Psf] d"No ck]Iff;DaGwL ;j]{If0fdf ;j{;fwf/0fsf] d"No j[l4k|ltsf]
ck]Iff @)&( k';s} :t/df /x]sf] 5 .
;/sf/L ljQ
48. g]kfn ;/sf/, cy{ dGqfno -dxfn]vf lgoGqs sfof{no_ sf cg';f/ @)&* r}t d;fGtsf]
t'ngfdf @)&( r}t d;fGtdf ;+3Lo ;/sf/sf] s'n vr{ !*=& k|ltztn] a9]sf] 5 eg]
/fh:j kl/rfng !#=#$ k|ltztn] 36]sf] 5 . kmn:j?k, @)&( r}t d;fGtdf g]kfn
;/sf/sf] /fh:j 3f6f ?=@%( ca{ !) s/f]8 /xg uPsf] 5 .
49. @)&( r}t d;fGtdf s'n vr{df rfn' vr{sf] c+z &$=( k|ltzt /x]sf] 5 . o; cjlwdf
rfn' / k'FhLut zLif{stkm{ ljlgof]lht ah]6sf] qmdzM %(=& k|ltzt / @*=@ k|ltzt
vr{ ePsf] 5 .
50. /fh:j kl/rfngsf] 7"nf] c+z cfoftdf cfwfl/t /x]sf] 5 . shf{ / s'n ufx{:Yo
pTkfbgaLrsf] cg'kft, k'FhL kof{Kttf cg'kft / a9\bf] lglij|mo shf{ ;d]tnfO{ b[li6ut
ubf{ a}+lsË If]qaf6 pRr b/df shf{ lj:tf/ x'g ;Sg] b]lvb}g . csf]{tkm{, afXo If]qdf
?=!## ca{;Ddsf] dfl;s cf};t cfoft x'Fbf Psftkm{ rfn' vftf 3f6fdf /x]sf] l:ylt 5
eg] ;f]xL :t/sf] cfoft x'Fbf ;d]t /fh:j 3f6f a9\g uO{ ;fj{hlgs C0f kl/rfngdf
bafa k/]sf] 5 . kl5Nnf] % jif{df ;fj{hlgs C0f cf};tdf @#=( k|ltztn] j[l4 eO{
cfly{s jif{ @)&*÷&( df s'n ufx{:Yo pTkfbgsf] $!=% k|ltzt k'u]sf] 5 . oxL b/df
;fj{hlgs C0f lj:tf/ x'g uPdf ;fj{hlgs C0fsf] lbuf]kgf sfod /fVg' r'gf}tLk"0f{ x'g
hfg] b]lvG5 . o;y{, ljQLo ;'zf;gnfO{ yk k|j4{g ub}{ pRr k|ltkmn lbg] If]qdf
;fj{hlgs ljQ / ljQLo ;|f]t kl/rfng x'g' cfjZos 5 .
df}lb|s tyf ljQLo If]q
51. jflif{s laGb'ut cfwf/df @)&( r}t d;fGtdf lj:t[t d'b|fk|bfo (=( k|ltztn] lj:tf/
ePsf] 5 . ;fy}, o; cjlwdf a}+s tyf ljQLo ;+:yfn] kl/rfng u/]sf] s'n lgIf]k !!
k|ltzt / lghL If]qtkm{ k|jfx u/]sf] shf{ #=@ k|ltztn] j[l4 ePsf] 5 .
52. cfly{s jif{ @)&(÷*) df lj:t[t d'b|fk|bfo !@ k|ltzt / lghL If]qtkm{sf] shf{ *
k|ltzt;Ddn] j[l4 x'g] cg'dfg /x]sf] 5 . a}+lsË If]qsf] shf{ k|jfx Ifdtfdf s]xL ;'wf/
eP klg cfly{s Pjd\ u}/cfly{s sf/0fn] shf{ dfu k|efljt ePsf] x'Fbf df}lb|s lj:tf/sf]
t'ngfdf shf{ k|jfx eg] Go"g /xg uPsf] 5 .
53. afXo If]qdf cfPsf] ;'wf/sf sf/0f ljQLo k|0ffnLdf t/ntfsf] l:ylt ;xh ePsf] 5 .
Aofhb/ qmdzM 36\g yfn]sf] 5 . kmn:j?k, shf{ / cfGtl/s dfu klg qmdzM a9\b} hfg]
b]lvG5 . o;y{, ;du| dfu Joj:yfkgsf ;fy} cfGtl/s pTkfbg lj:tf/ ug{ ;s]df dfq
afXo If]q / Aofhb/df cfPsf] ;'wf/ lbuf] /xg ;Sb5 .
54. a}+s tyf ljQLo ;+:yfdf lglij|mo shf{ cg'kft s]xL a9]sf] 5 . cfly{s lzlyntfsf
cltl/Qm C0fLsf] IfdtfeGbf a9L shf{ k|bfg ug]{ k|j[lQ, ljutdf shf{ k|jfxdf ePsf]
7
g]kfn /fi6« a}+s

tLa| lj:tf/ / a}+lsË If]q nlIft u}/Jofj;flos ultljlwsf sf/0f lglij|mo shf{ a9\g
uPsf] 5 . o:tf u}/Jofj;flos ultljlwn] Jofj;flos jftfj/0fdf ;d]t clglZrttf /
hf]lvd a9fPsf] 5 .
55. a}+s tyf ljQLo ;+:yfaf6 k|jfx ePsf] shf{sf] ljBdfg cfsf/, k'FhL kof{Kttfsf] cj:yf,
afXo If]q ;'wf/ / ljQLo ;|f]t kl/rfngsf] kl/b[ZonfO{ b[li6ut ubf{ cfufdL lbgx?df
t/ntf / Aofhb/df ;'wf/ cfpg uO{ cfly{s ultljlw rnfodfg x'g yk ;xof]u k'Ug]
b]lvG5 . tyflk, o;nfO{ lbuf] agfpg pTkfbg / pTkfbsTj a9fpg] u/L ;+/rgfTds
;'wf/ sfo{qmd th'{df u/L sfof{Gjog ug'{ cfjZos /x]sf] 5 .
df}lb|s gLltsf] sfo{lbzf / pkfox?
56. Dff}lb|s gLltsf] sfo{lbzfnfO{ d'b|f:kmLlt / ljb]zL ljlgdo ;l~rltsf] jt{dfg cj:yf /
;Defljt kl/b[Zosf] cfwf/df ;dli6ut cfly{s :yfloTj sfod /fVb} cfGtl/s cfly{s
ultljlwx? rnfodfg agfpg ;xof]u k'¥ofpg] u/L ;hutfk"j{s s]xL nlrnf] agfOPsf]
5.
57. df}lb|s gLltsf] c+s'zsf] ?kdf /x]sf] g]kfnL / ef/tLo d'b|faLrsf] l:y/ ljlgdob/ /
afXo If]qtkm{sf] rfn' vftf k"0f{ ?kdf kl/jTo{ /x]sf] ;Gbe{df ljb]zL ljlgdo ;l~rltn]
cfoft wfGg ;Sg] Ifdtf, df}lb|s gLltsf p2]Zox?sf] ;Defljt kl/b[Zo, l5d]sL b]zsf]
gLltut b/ / b'j} d'n'saLr sfod /x]sf] d'b|f:kmLltaLrsf] cGt/nfO{ dWogh/ u/L
gLltut b/nfO{ & k|ltztdf oyfjt /fVb} ljBdfg a}+s b/nfO{ ! k|ltzt laGb'n] 36fO{
&=% k|ltzt sfod ul/Psf] 5 . Aofhb/ sl/8f]/cGt{utsf cGo b/x?nfO{ oyfjt
/flvPsf] 5 .
58. o; a}+sn] *=% k|ltztsf] a}+sb/df pknJw u/fpFb} cfPsf] b}lgs t/ntf ;'ljwfnfO{
c4{jflif{s ;dLIffb]lv gLltut b/ & k|ltztdf pknJw u/fpg] Joj:yf u/]sf] 5 .
kmn:j?k, cGt/a}+s Aofhb/df !=% k|ltzt laGb'n] sdL] cfPsf] 5 . b}lgs t/ntf
;'ljwfnfO{ gLltut b/df k|bfg ul/g]] Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 .
lgofdsLo pkfox?
59. a}+s tyf ljQLo ;+:yfx?af6 hf/L ePsf C0fkqx?nfO{ shf{–lgIf]k cg'kft u0fgf ug]{
k|of]hgsf] nflu ;|f]t -lgIf]k_ sf] ?kdf ;d]t u0fgf ug{ kfpg] ljBdfg Joj:yfnfO{
@)*) k'; d;fGt;Ddsf] nflu lg/Gt/tf lbOPsf] 5 .
60. /fli6«o tYofÍ sfof{non] k|sfzg ug]{ tYofÍsf] cfwf/df kl5Nnf b'O{ qodf;;Dd nuftf/
C0ffTds j[l4 x'g uPsf cfly{s If]qx?;Fu ;Dj4 C0fLx?n] ;'ljwf kfpg] u/L sf]ifdf
pknJw ;|f]tsf] ;Ldfleq /xL k'g/shf{ ;'ljwf pknJw u/fpg] Joj:yf ldnfOg] 5 .
61. cy{tGqsf] jf:tljs If]qdf b]lvPsf] lzlyntfnfO{ b[li6ut u/L a}+s tyf ljQLo ;+:yfn]
C0fLsf] gub k|jfxsf] ljZn]if0f u/L cfjZostf / cf}lrTotfsf] cfwf/df xf]6n tyf
/]i6'/]G6, kz'k+IfL kfng, lgdf{0f If]q;Fu ;DjlGwt shf{ / ?=% s/f]8;Ddsf]] cGo If]qdf
k|jfx ePsf] shf{nfO{ @)*) c;f/ d;fGtleq k'g/;+/rgf÷k'g/tflnsLs/0f ug{ ;Sg]
Joj:yf ldnfOg] 5 .
62. jf:tljs If]qdf b]vfk/]sf] lzlyntfsf sf/0fn] shf{ r'Qmf ug{ k/]sf] sl7gfO{nfO{ b[li6ut
u/L cNksfnLg tyf rfn' k'FhL k|s[ltsf shf{x?nfO{ Aofh lgoldt /x]sf] cj:yfdf

8
 cfly{s jif{ @)&(÷*) sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff

cfjZostf / cf}lrTosf] cfwf/df s'g} lsl;dsf] xhf{gf÷z'Ns glng] u/L # dlxgf;Ddsf

nflu @)*) c;f/ d;fGtleq Dofb yk ug{ ;Sg] Joj:yf ul/g] 5 .
63. jf:tljs If]qdf b]vfk/]sf] lzlyntfsf sf/0fn] n3'ljQ ljQLo ;+:yfsf ;b:o C0fLx?nfO{
shf{ r'Qmf ug{ k/]sf] sl7gfO{nfO{ b[li6ut u/L ;DjlGwt ;+:yfn] cfjZostf / cf}lrTosf]
cfwf/df @)*) c;f/ d;fGtleq shf{sf] k'g/;+/rgf÷k'g/tflnsLs/0f ug{ ;Sg] Joj:yf
ldnfOg] 5 .
cGTodf,
64. df}lb|s gLltdf lnOPsf pkfox?sf] sfof{Gjog l:ylt tyf ljBdfg /fli6«o Pjd\
cGt/f{li6«o cfly{s l:ylt / kl/b[ZonfO{ b[li6ut u/L df}lb|s gLltsf] sfo{lbzfnfO{ ;hutf
k"j{s s]xL nlrnf] agfOPsf] 5 . o;sf] sfof{Gjogaf6 cfGtl/s tyf afXo If]q :yfloTj
;'b[9 eO{ cfly{s ultljlw ;xh x'g ;xof]u k'Ug] ck]Iff /x]sf] 5 .
65. cfly{s jif{ @)&(÷*) sf] df}lb|s gLltsf] of] ;dLIffsf] qmddf ;xof]u k'¥ofpg] g]kfn
;/sf/sf lgsfox?, pBf]u Joj;fo;Fu ;DalGwt ;+3÷;+:yfx?, a}+s tyf ljQLo ;+:yfx?,
ljåt ju{, ;~rf/ dfWodnufot ;a} ;/f]sf/jfnfx?nfO{ wGojfb 1fkg ub}{ df}lb|s gLlt
/ o; ;dLIffdf Joj:yf ul/Psf gLlt tyf sfo{qmdx?sf] sfof{Gjogdf ;bfEf}Fm ;a}sf]
;xof]u /xg] o; a}+ssf] ljZjf; /x]sf] 5 .
@( a}zfv, @)*)