Nepal Monetary-Policy-2078-79

cfly{s jif{ @)&*÷&( sf]
df}lb|s gLlt
g]kfn /fi6« a}+s

s]Gb|Lo sfof{no
afn'jf6f/, sf7df8f}+
;fpg @)&*
ueg{/ >L dxf k|;fb clwsf/Ln]
@)&* ;fpg @( ut]
;fj{hlgs ug'{ePsf]
cfly{s jif{ @)&*÷&( sf]

df}lb|s gLlt
g]kfn /fi6« a}+s

s]Gb|Lo sfof{no
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
g]kfn
kmf]g g+= $$!)!%*
Website: www.nrb.org.np
ljifo ;"rL
k[i7e"ld !
cGt/f{li6«o cfly{s l:ylt @
;dli6ut cfly{s l:ylt #
ljQLo If]q l:ylt %
cfly{s jif{ @)&&÷&* sf] df}lb|s gLltsf] ;dLIff &
df}lb|s Joj:yfkg &
If]qut shf{ *
sf]le8–!( nlIft shf{ (
cfly{s jif{ @)&*÷&( sf] cfly{s kl/b[Zo !)
cfly{s jif{ @)&*÷&( sf] df}lb|s gLltsf] :j?k !@
sfo{lbzf !@
cfly{s tyf df}lb|s nIo !@
;+rfng nIo tyf pks/0f !#
cfly{s jif{ @)&*÷&( sf] ljQLo If]q;DaGwL Joj:yf !#
;|f]t kl/rfng !#
shf{ k|jfx !$
cfly{s k'g?Tyfg nlIft ljz]if sfo{qmd !%
ljQLo If]q ;'b[9Ls/0f !*
lgofdsLo tyf ;'kl/j]IfsLo Joj:yf @)
n3'ljQ ;DaGwL Joj:yf @!
e'QmfgL k|0ffnL @@
ljb]zL ljlgdo Joj:yfkg @#
u|fxslxt ;+/If0f @%
cg';"rL ! df}lb|s k|If]k0f
cg';"rL @ cfly{s jif{ @)&&÷&* sf] df}lb|s gLltsf] nIo tyf k|ult ljj/0f
tflnsf ;"rL
cfly{s jif{ @)&*÷&( sf] df}lb|s gLlt 1
cfly{s jif{ @)&*÷&( sf] df}lb|s gLlt

k[i7e"ld
1. sf]le8–!( dxfdf/Laf6 dfgj hLjg / cfly{s ultlalw k|efljt eO/x]sf] kl/j]zdf
cfly{s jif{ @)&*÷&( sf] df}lb|s gLlt th'{df ul/Psf] 5 . cy{tGqdf dxfdf/Lsf]
c;/ Go"gLs/0f ug{ cjnDag ul/Psf gLltut kxnx?n] ubf{ cfly{s lqmofsnfk
;+rfngdf dxTjk"0f{ ;xof]u k'Ug'sf] ;fy} ;dli6ut cfly{s tyf ljQLo :yfloTj
sfod ePsf]] 5 .
2. ;fdflhs Gofo ;lxtsf] cfly{s ljsf; / ;d[l4 xfl;n ug]{ lbzfdf sf]le8–!(
dxfdf/Ln] cj/f]w l;h{gf u/]sf] 5 . ;+qmd0fsf] nx/ af/Daf/ bf]xf]l/g] k|j[lQn] cfly{s
lqmofsnfk k|efljt ePsf 5g\ . jfXo If]qtkm{ lgof{t Jofkf/df pNn]Vo ;'wf/
ePtfklg a9\bf] cfoftn] ubf{ Jofkf/ 3f6f km/flsnf] x'Fb} uPsf]n] zf]wgfGt/df rfk
kg{ yfn]sf] 5 . ljb]zL ljlgdo ;l~rlt ;'ljwfhgs cj:yfdf /x]sf] 5 . d'b|f:kmLlt
nlIft ;Ldfleq} /x]sf] 5 .
3. sf]le8–!( n] cy{tGqdf kf/]sf] c;/ Go"gLs/0f ub}{ cfly{s k'g?TyfgnfO{ ;3fpg]
p2]Zosf ;fy Joj:yf ul/Psf] k'g/shf{, ;x'lnotk"0f{ shf{ nufot df}lb|s Pjd\
lgofdsLo ;xhLs/0fn] ubf{ shf{ k|jfx pNn]Vo ?kdf a9]sf] 5 . shf{sf]] Aofhb/
Psn c+sdf /x]sf] sf/0f dxfdf/Lsf] ;dodf klg Joj;fo ;+rfng nfut 36]sf] 5 .
4. ljB'tLo sf/f]jf/nfO{ k|f]T;flxt ug]{ o; a}+ssf] k|fyldstf / sf]le8–!( ;+qmd0fsf]
hf]lvd sd ug{ gub/lxt sf/f]jf/ ug'{kg]{ cfjZostfn] ubf{ kl5Nnf] ;do
sf/f]jf/sf] e'QmfgLdf ljB'tLo dfWodsf] k|of]u tLj| ?kdf la:tf/ ePsf] 5 . v'b|f
k;n, yf]s Jofkf/, l8kf6{d]G6n :6f]/ / k'FhL ahf/df ;d]t ljB'tLo sf/f]jf/sf]
la:tf/ ePsf]] 5 . o;af6 e'QmfgL k|0ffnLsf] ljsf; / cfw'lgsLs/0fdf ;xof]u
k'Ug'sf] ;fy} ljQLo kxF'r a9\b} uPsf] 5 .
5. clwsf+z d'n'sx?n] cjnDjg u/]sf] nlrnf] tyf c;fwf/0f gLltut k|of;x? /
;+qmd0f lj?4 vf]ksf] pknAwtf;F+u} sf]le8–!( sf sf/0f ut jif{ ;+s'rgdf uPsf]
ljZj cy{tGq k'g?Tyfg x'g yfn]sf] cGt/f{li6«o ;+3–;+:yfx?sf] ljZn]if0f /x]sf] 5 .
tyflk, ko{6g cfodf lge{/ / vf]ksf] pknAwtf ;xh gePsf d'n'sx?sf] cfly{s
k'g?Tyfgsf] ult eg] cem} Go"g /xg] b]lvPsf] 5 .
2 g]kfn /fi6« a}+s
6. dxfdf/Lsf] ;+qmd0f sfod} /x]sf]]n] ko{6g nufot clt k|efljt If]qsf] k'g?Tyfgdf
yk ;do nfUg] b]lvPsf] 5 . dxfdf/Laf6 cy{tGqdf k/]sf] c;/ Go"gLs/0f ub}{ zL3|
cfly{s k'g?Tyfgsf] nflu Psftkm{ lgofdsLo ;xhLs/0f / ;x'lnot pknAw u/fpg'
kg]{ cfjZostf 5 eg] csf]{tkm{ ljQLo :yfloTjsf] ;fy} jfXo If]q :yfloTjdf kg{
;Sg] k|lts"n k|efjtkm{ klg ;hu /xg' kg]{ cj:yf 5 .
7. /fli6«o tyf cGt/f{li6«o cfly{s l:ylt Pjd\ kl/b[ZonfO{ b[li6ut ub}{
sf]le8–!( ;+qmd0fsf] bf];|f] nx/ sfod /x]sf] cj:yfdf g]kfn /fi6« a}+s P]g, @)%*
sf] Joj:yf adf]lhd cfly{s jif{ @)&*÷&( sf] df}lb|s gLlt th'{df ul/Psf] 5 .
;/sf/sf] ;femf Go"gtd sfo{qmd, gLlt tyf k|fyldstf, b]zsf] jt{dfg cfly{s
cj:yfsf] hfgsf/L, @)&* Pjd\ o; a}+ssf] t];|f] /0fgLlts of]hgfnfO{ ;d]t df}lb|s
gLlt th'{dfsf] cfwf/sf] ?kdf lnOPsf] 5 . df}lb|s gLlt th'{df ubf{
;/f]sf/jfnfx?af6 k|fKt /fo–;'emfjnfO{ oy]i7 Wofg lbOPsf] 5 .
cGt/f{li6«o cfly{s l:ylt
8. ;g\ @)@) df #=@ k|ltztn] ;+s'rg ePsf] ljZj cy{tGq ;g\ @)@! Dff ^=)
k|ltztn] la:tf/ x'g] cGt/f{li6«o d'b|f sf]ifsf] cg'dfg 5 . ;g\ @)!( df ljZj
cy{tGq @=* k|ltztn] la:tf/ ePsf] lyof] .
9. ;g\ @)@) df $=^ k|ltztn] ;+s'rg ePsf] ljsl;t d'n'sx¿sf] cy{tGq ;g\ @)@!
df %=^ k|ltztn] la:tf/ x'g] k|If]k0f /x]sf] 5 . To;}u/L, ;g\ @)@) df @=! k|ltztn]
;+s'rg x'g] cg'dfg /x]sf] pbLodfg tyf ljsf;zLn cy{tGq ;g\ @)@! df ^=#
k|ltztn] la:tf/ x'g] k|If]k0f 5 . ;g\ @)!( df ljsl;t cy{tGq / pbLodfg tyf
ljsf;zLn cy{tGqsf] j[l4b/ qmdzM !=^ k|ltzt / #=& k|ltzt /x]sf] lyof] .
10. l5d]sL d'n'sx?dWo] rLgsf] cy{tGq ;g\ @)!( df ^=) k|ltztn] la:tf/ ePsf]df
;g\ @)@) df @=# k|ltztn] j[l4 ePsf] cGt/f{li6«o d'b|f sf]ifsf] cg'dfg 5 .
To;}u/L, ef/tsf] cy{tGq ;g\ @)!( df $=) k|ltztn] la:tf/ ePsf]df ;g\ @)@)
df &=# k|ltztn] ;+s'rg ePsf] sf]ifsf] cg'dfg 5 . ;g\ @)@! df rLgsf] cfly{s
j[l4 *=! k|ltzt / ef/tsf] (=% k|ltzt /xg] k|If]k0f 5 .
11. ;g\ @)@) df ljsl;t d'n'sx¿sf] d'b|f:kmLlt )=& k|ltzt /x]sf]df ;g\ @)@! df
@=$ k|ltzt /xg] sf]ifsf] k|If]k0f 5 . pbLodfg tyf ljsf;zLn d'n'sx¿sf]
d'b|f:kmLlt ;g\ @)@) df %=! k|ltzt /x]sf]df ;g\ @)@! df %=$ k|ltzt /xg]
k|If]k0f 5 .
12. ;g\ @)@) df ljZj Jofkf/ cfotg *=# k|ltztn] ;+s'rg ePsf]df ;g\ @)@! df
(=& k|ltztn] la:tf/ x'g] k|If]k0f 5 .
13. ;g\ @)@) df k]6«f]lnod kbfy{sf] d"Nodf #@=& k|ltztn] sdL cfPsf]df ;g\ @)@!
df %^=^ k|ltztn] j[l4 x'g] k|If]k0f 5 .
14. sf]le8–!( dxfdf/Ln] ubf{ Psftkm{ clwsf+z d'n'sx?df /fh:j kl/rfng ;+s'lrt
ePsf] 5 eg] csf]{tkm{ ;fj{hlgs vr{df ePsf] a9f]Q/Lsf sf/0f s'n ufx{:Yo
pTkfbg;Fu ;fj{hlgs C0fsf] cg'kft ljZjJofkL ?kdf a9]sf] 5 . ;g\ @)!( df
o:tf] cg'kft *#=& k|ltzt /x]sf]df ;g\ @)@) df (&=# k|ltzt k'u]sf] 5 .
15. sf]le8–!( dxfdf/Laf6 k|efljt cy{tGqsf] k'g?Tyfgsf nflu s]Gb|Lo a}+sx?n] nlrnf]
df}lb|s gLlt cjnDag ub}{ kl/df0ffTds ;xhLs/0f, k'g?Tyfg nlIft ;DklQ vl/b,
k'g/shf{ Pjd\ bL3{sfnLg t/ntf ;'ljwf h:tf pks/0fx? k|of]udf NofPsf 5g\ .
o:tf pks/0fx?sf] k|of]uaf6 s]Gb|Lo a}+sx?sf] jf;nftsf] cfsf/ j[l4 x'g'sf ;fy}
df}lb|s la:tf/ pNn]Vo ePsf] 5 .
;dli6ut cfly{s l:ylt
cfly{s j[l4
16. cfly{s jif{ @)&^÷&& df @=)( k|ltztn] ;+s'rgdf uPsf] g]kfnsf] cy{tGq cfly{s
jif{ @)&&÷&* df $=)! k|ltztn] la:tf/ x'g] s]Gb|Lo tYofÍ ljefusf] cg'dfg /x]sf]
5 . t/ rf}yf] qodf;df ePsf] ;+qmd0fsf] bf];|f] nx/n] of] j[l4b/ sfod x'g
r'gf}tLk"0f{ b]lvPsf] 5 .
17. cfly{s jif{ @)&&÷&* df s'n ufx{:Yo pTkfbg;Fusf] s'n ufx{:Yo artsf] cg'kft
^=^ k|ltzt / s'n /fli6«o artsf] cg'kft #!=$ k|ltzt /x]sf] cg'dfg 5 . cl3Nnf]
jif{ oL cg'kftx? qmdzM ^=# k|ltzt / #@=^ k|ltzt /x]sf lyP .
18. cfly{s jif{ @)&&÷&* df s'n ufx{:Yo pTkfbgdf s'n l:y/ k'FhL lgdf{0fsf] cg'kft
@&=# k|ltzt /x]sf] cg'dfg 5 . cl3Nnf] jif{ o:tf] cg'kft @*=$ k|ltzt /x]sf]
lyof] .
4 g]kfn /fi6« a}+s
d"No l:ylt
19. cfly{s jif{ @)&&÷&* df jflif{s pkef]Qmf d'b|f:kmLlt cf};t & k|ltztsf] ;Ldfleq
/fVg] nIo /x]sf]df #=^) k|ltzt sfod /x]sf] 5 . jflif{s laGb'ut cfwf/df @)&*
c;f/df pkef]Qmf d'b|f:kmLlt $=!( k|ltzt /x]sf] 5 .
;/sf/L vr{, /fh:j / cfGtl/s C0f kl/rfng
20. dxfn]vf lgoGqs sfof{noaf6 @)&* ;fpg ! df k|sflzt ljj/0f cg';f/ cfly{s
jif{ @)&&÷&* df ;+3Lo ;/sf/sf] s'n vr{ ?= !,!*) ca{ (% s/f]8 ePsf] 5 .
o;dWo] rfn' vr{ ?= *%! ca{ ^* s/f]8, k'FhLut vr{ ?= @@* ca{ #) s/f]8 /
ljQLo Joj:yftkm{sf] vr{ ?= !)) ca{ (& s/f]8 /x]sf] 5 . To;}u/L /fh:j ;+sng
?= (#* ca{ #@ s/f]8 ePsf] 5 .
21. cfly{s jif{ @)&&÷&* df g]kfn ;/sf/n] s'n cfGtl/s C0f kl/rfng ?= @@$ ca{
! s/f]8 / ;fFjf e'QmfgL ?= #^ ca{ () s/f]8 u/L v'b cfGtl/s C0f ?= !*& ca{
!! s/f]8 kl/rfng u/]sf] 5 . pQm /sd s'n ufx{:Yo pTkfbgsf] $=$ k|ltzt x'g
cfpF5 .
j}b]lzs Jofkf/, ljk|]if0f cfk|jfx / zf]wgfGt/ l:ylt
22. cfly{s jif{ @)&&÷&* df lgof{t $$=$ k|ltztn] a9]/ ?= !$! ca{ !@ s/f]8 /
cfoft @*=& k|ltztn] a9]/ ?= !,%#( ca{ *$ s/f]8 k'u]sf] 5 . o; cjlwdf j:t'
Jofkf/ 3f6f @&=# k|ltztn] a9]sf] 5 . ljk|]if0f cfk|jfx (=* k|ltztn] j[l4 eO{ ?=
(^! ca{ % s/f]8 k'u]sf] 5 .
23. cfly{s jif{ @)&^÷&& df rfn' vftf 3f6f ?= ## ca{ &^ s/f]8 / zf]wgfGt/ art
?= @*@ ca{ $! s/f]8 /x]sf] t'ngfdf ;dLIff jif{df rfn' vftf 3f6f ?= ### ca{ ^&
s/f]8 / zf]wgfGt/ art ?= ! ca{ @# s/f]8 /x]sf]] 5 .
24. @)&* c;f/ d;fGtdf s'n ljb]zL ljlgdo ;l~rlt ?= !#(( ca{ # s/f]8 -cd]l/sL
8n/ !! ca{ &% s/f]8_ /x]sf] 5 . cfly{s jif{ @)&&÷&* sf] cfoftnfO{ cfwf/
dfGbf ljb]zL ljlgdo ;l~rlt !!=@ dlxgfsf] j:t'' tyf !)=@ dlxgfsf] j:t'' / ;]jf
cfoft wfGg kof{Kt x'g] b]lvPsf] 5 .
25. @)&& c;f/ d;fGtsf] t'ngfdf @)&* c;f/ d;fGtdf cd]l/sL 8n/;Fu g]kfnL
?k}ofF !=!@ k|ltztn] clwd"Nog eO{ k|lt cd]l/sL 8n/ vl/b b/ ?= !!(=)$ k'u]sf]
5.
ljQLo If]q l:ylt
a}lsË If]q
26. cfly{s jif{ @)&&÷&* df a}s tyf ljQLo ;+:yfsf] lgIf]k kl/rfng @!=$ k|ltztn]
j[l4 eO{ ?=$,^^@ ca{ &# s/f]8 k'u]sf] 5 . cl3Nnf] jif{ lgIf]k kl/rfng !*=&
k|ltztn] j[l4 eO{ ?=#,*#( ca{ &# s/f]8 /x]sf] lyof] .
27. cfly{s jif{ @)&&÷&* df a}s tyf ljQLo ;+:yfsf] lghL If]qtkm{ nufgLdf /x]sf]
shf{ @&=# k|ltztn] j[l4 eO{ ?=$,)*$ ca{ *! s/f]8 k'u]sf] 5 . cl3Nnf] jif{ o:tf]
shf{ !@=) k|ltztn] a9]/ ?=#,@)( ca{ &( s/f]8 /x]sf] lyof] .
28. a}+s tyf ljQLo ;+:yf -n3'ljQ ljQLo ;+:yf ;d]t_ sf] r'Qmf k'FhL @)&& c;f/
d;fGtdf ?= #%@ ca{ #& s/f]]8 /x]sf]df @)&* c;f/ d;fGtdf !)=* k|ltztn] j[l4
eO{ ?= #() ca{ $# s/f]]8 k'u]sf] 5 .
29. @)&* c;f/ d;fGtdf jfl0fHo a}+sx¿sf] k'FhL sf]if kof{Kttf cg'kft !$=! k|ltzt,
ljsf; a}+sx¿sf] !#=@ k|ltzt / ljQ sDkgLx¿sf] @@=) k|ltzt /x]sf] 5 . @)&&
c;f/ d;fGtdf oL cg'kftx¿ qmdzM !$=) k|ltzt, !$=$ k|ltzt / !(=^ k|ltzt
/x]sf lyP .
30. @)&* c;f/ d;fGtdf jfl0fHo a}+sx?sf] lgliqmo shf{ cg'kft !=% k|ltzt, ljsf;
a}+sx?sf] !=% k|ltzt / ljQ sDkgLx?sf] ^=@ k|ltzt /x]sf] 5 . @)&& c;f/
d;fGtdf oL cg'kftx? qmdzM !=* k|ltzt, !=% k|ltzt / ^=@ k|ltzt /x]sf lyP .
31. ljut Ps bzs otf o; a}+sn] ljQLo :yfloTj ;'b[9Ls/0f ug]{ p2]Zon] a}+s tyf
ljQLo ;+:yfx? Ps cfk;df ufEg]÷ufleg] gLltut Joj:yf eP kZrft\ @)&* c;f/
d;fGt;Dd s''n @@( a}+s tyf ljQLo ;+:yfx? ufEg]÷ufleg] k|lqmofdf ;fd]n ePsf
5g\ . oLdWo] !&! ;+:yfx?sf] Ohfht vf/]h eO{ %* ;+:yf sfod ePsf 5g\ .
32. a}+s tyf ljQLo ;+:yfsf zfvf la:tf/;Fu} ljQLo kx'Fr a9]sf] 5 . a}+s tyf ljQLo
;+:yfx?sf] zfvf ;+Vof @)&& c;f/ d;fGtdf (,&^% /x]sf]df @)&* c;f/
6 g]kfn /fi6« a}+s
d;fGtdf !),^*# k'u]sf] 5 . pQm cjlwdf k|lt a}+s zfvf hg;+Vof #,)&@ af6 36]/
@,*$$ sfod ePsf] 5 . jfl0fHo a}+ssf zfvf &%) :yfgLo txx?df k'u]sf 5g\ .
;Demf}tLt art kl/rfng
33. sd{rf/L ;~ro sf]ifsf] ;|f]t÷pkof]u @)&& c;f/ d;fGtdf ?= #*$ ca{ ! s/f]8
/x]sf]df @)&& r}t d;fGtdf ?= $@$ ca{ ( s/f]8 k'u]sf] 5 . pQm cjlwdf
;+rostf{x?sf] ;l~rt /sd *=* k|ltztn] j[l4 eO{ ?= #*) ca{ %$ s/f]8 k'u]sf]
5 eg] shf{ ;fk6L %=^ k|ltztn] j[l¢ eO{ ?= @^^ ca{ %^ s/f]8 k'u]sf] 5 .
34. gful/s nufgL sf]ifsf] ;|f]t÷pkof]u @)&& c;f/ d;fGtdf ?= !^! ca{ * s/f]8
/x]sf]df @)&& r}t d;fGtdf ?= !*! ca{ &( s/f]8 k'u]sf] 5 . ;f] cjlwdf sf]if
;+sng !)=( k|ltztn] j[l4 eO{ ?= !%^ ca{ &$ s/f]8 k'u]sf] 5 eg] shf{ ;fk6L
*=( k|ltztn] j[l¢ eO{ ?= $( ca{ ^@ s/f]8 k'u]sf] 5 .
35. aLdf sDkgLx?sf] ;|f]t÷pkof]u @)&& c;f/ d;fGtdf ?= $#& ca{ @^ s/f]8
/x]sf]df @)&& r}t d;fGtdf !*=$ k|ltztn] j[l4 eO{ ?= %!& ca{ *@ s/f]8 k'u]sf]
5.
k'FhL ahf/
36. @)&& c;f/ d;fGtdf !,#^@=$ /x]sf] g]K;] ;"rsfÍ @)&* c;f/ d;fGtdf
@,**#=$ sfod ePsf] 5 . To;}u/L ahf/ k'FhLs/0f @)&& c;f/ d;fGtdf ?=
!,&(@ ca{ &^ s/f]8 /x]sf]df @)&* c;f/ d;fGtdf !@#=& k|ltztn] j[l4 eO{ ?=
$,)!) ca{ (^ s/f]8 sfod ePsf] 5 .
37. cfly{s jif{ @)&&÷&* df g]kfn lwtf]kq af]8{n] ?= @# ca{ $ s/f]8 a/fa/sf]
C0fkq, ?= !% ca{ !* s/f]8 a/fa/sf] ;fwf/0f z]o/, ?= !$ ca{ % s/f]8 a/fa/sf]
xsk|b z]o/ / ?= ( ca{ $) s/f]8 a/fa/sf] Do'r'cn km08 u/L s'n ?= ^! ca{ ^&
s/f]8 a/fa/sf] lwtf]kq ;fj{hlgs lgisfzg ug{ cg'dlt lbPsf] 5 .
38. cfly{s jif{ @)&&÷&* df !^ jfl0fHo a}+s, $ ljsf; a}+s / ! ljQ sDkgL u/L @!
a}+s tyf ljQLo ;+:yfx?n] ?= ^( ca{ ^) s/f]8sf] C0fkq lgisfzg ug{ g]kfn
lwtf]kq af]8{af6 :jLs[lt k|fKt u/]sf 5g\ . @)&* c;f/ d;fGtdf a}+s tyf ljQLo
;+:yfaf6 C0fkqdfkm{t\ ?=!)) ca{ #* s/f]8 ljQLo ;fwg kl/rfng ePsf] 5 .
;xsf/L ;+:yf
39. @)&& c;f/ d;fGtdf ;xsf/L ;+:yfx?sf] art kl/rfng ?= #%) ca{ %* s/f]8
/x]sf]df @)&& r}q d;fGtdf ?= $&& ca{ (^ s/f]8 k'u]sf] 5 . ;f] cjlwdf ;xsf/L
;+:yfx?af6 k|jfx ePsf] C0f ?= #$! ca{ &! s/f]8af6 j[l4 eO{ ?= $@^ ca{ @^
s/f]8 k'u]sf] 5 .
cfly{s jif{ @)&&÷&* sf] df}lb|s gLltsf] ;dLIff
df}lb|s Joj:yfkg
40. cfly{s jif{ @)&&÷&* df lj:t[t d'b|fk|bfosf] jflif{s j[l4b/ !*=) k|ltzt x'g]
k|If]k0f /x]sf]df @!=* k|ltzt sfod ePsf] 5 .
41. cfly{s jif{ @)&&÷&* df df}lb|s If]qaf6 k|jfx x'g] lghL If]qtk{msf] shf{sf] j[l4b/
@)=) k|ltzt x'g] k|If]k0f /x]sf]]df @^=# k|ltzt sfod ePsf] 5 .
42. a}+s tyf ljQLo ;+:yfx?sf] cGt/a}+s b/ !=) k|ltztb]lv %=) k|ltztsf] sl/8f]/
leq sfod ug]{ df}lb|s gLltsf] ;+rfng nIo /x]sf]df @)&* c;f/df o:tf] efl/t
cf};t cGt/–a}+s b/ $=!$ k|ltzt /x]sf] 5 .
43. cfly{s jif{ @)&&÷&* df ?= $#* ca{ @* s/f]8 t/ntf k|jfx ePsf] 5 . o;
cGt{ut l/kf]dfkm{t\ ?= ^& ca{ ($ s/f]8 / :yfoL t/ntf ;'ljwfdfkm{t\ ?= #&) ca{
#$ s/f]8 k|jfx ePsf] 5 .
44. cfly{s jif{ @)&&÷&* df ?= #)# ca{ @( s/f]8 t/ntf k|zf]rg ePsf] 5 . o;
cGtu{t l/e;{ l/kf]dfkm{t\ ?= !)( ca{ %$ s/f]8 / lgIf]k ;+sng af]nsjf]ndfkm{t\
?= !(# ca{ &% s/f]8 k|zf]rg ul/Psf] 5 .
45. cfly{s jif{ @)&&÷&* df o; a}+sn] jfl0fHo a}+sx¿af6 cd]l/sL 8n/ # ca{ ^@
s/f]8 v'b vl/b u/L ?=$@* ca{ %$ s/f]8 t/ntf k|jfx u/]sf] 5 . ;f]xL cjlwdf
cd]l/sL 8n/ $ ca{ %$ s/f]8 laqmL u/L ?= %#% ca{ @# s/f]8 a/fa/sf] ef=?=
vl/b u/]sf] 5 .
46. cfly{s jif{ @)&&÷&* df jfl0fHo a}+sx¿aLr ?= !,&*@ ca{ (^ s/f]8 / a}+s tyf
ljQLo ;+:yfx¿ -jfl0fHo a}+sx¿aLr dfq afx]s_ aLr ?= @!# ca{ ^@ s/f]8sf]
cGt/a}+s sf/f]af/ ePsf] 5 .
8 g]kfn /fi6« a}+s
47. @)&* c;f/df (!–lbg] 6«]h/L ljnsf] efl/t cf};t Aofhb/ $=%% k|ltzt /x]sf] 5 .
48. jfl0fHo a}+sx?sf] cf};t cfwf/ b/ @)&& c;f/df *=%) k|ltzt /x]sf]df @)&*
c;f/df ^=*^ k|ltzt sfod ePsf] 5 . @)&& c;f/df lgIf]ksf] efl/t cf};t
Aofhb/ ^=)! k|ltzt /x]sf]df @)&* c;f/df $=^% k|ltzt sfod ePsf] 5 .
To;}u/L, @)&& c;f/df shf{sf] efl/t cf};t Aofhb/ !)=!! k|ltzt /x]sf]df @)&*
c;f/df *=$# k|ltzt sfod ePsf] 5 .
If]qut shf{
s[lif tyf pmhf{
49. jfl0fHo a}+sn] s'n shf{ nufgLsf] @)&* c;f/ d;fGt;Dd Go"gtd !! k|ltzt,
@)&( c;f/ d;fGt;Dd !# k|ltzt / @)*) c;f/ d;fGt;Dd !% k|ltzt s[lif
If]qdf k|jfx ug'{kg]{ Joj:yf ul/Psf]df @)&* c;f/ d;fGtdf pQm If]qdf !#=@
k|ltzt -?=$@% ca{ *# s/f]8_ shf{ k|jfx ePsf] 5 .
50. jfl0fHo a}+sx¿n] s'n shf{ nufgLsf] @)&* c;f/ d;fGt;Dd Go"gtd ^ k|ltzt,
@)&( c;f/ d;fGt;Dd & k|ltzt, @)*) c;f/ d;fGt;Dd ( k|ltzt / @)*!
c;f/ d;fGt;Dd !) k|ltzt pmhf{ If]qdf shf{ k|jfx ug'{kg]{ Joj:yf ul/Psf]df
@)&* c;f/ d;fGtdf pQm If]qdf s'n shf{sf] ^=) k|ltzt -?= !($ ca{ !# s/f]8_
k|jfx ePsf] 5 .
n3', 3/]n', ;fgf tyf demf}nf pBd shf{{
51. jfl0fHo a}+sx?n] s'n shf{ nufgLsf] @)&* c;f/df Go"gtd !! k|ltzt, @)&(
c;f/df !@ k|ltzt, @)*) c;f/df !$ k|ltzt / @)*! c;f/df !% k|ltzt n3',
3/]n', ;fgf tyf demf}nf pBd If]qdf ?= ! s/f]8 eGbf sd /sdsf] shf{ k|jfx
ug'{kg]{ Joj:yf /x]sf] 5 . jfl0fHo a}+sx?af6 @)&* c;f/ d;fGtdf o; k|sf/sf]
shf{ !)=! k|ltzt -?= #@& ca{ *) s/f]8_ k|jfx ePsf] 5 .
ljkGg ju{ shf{
52. jfl0fHo a}+s, ljsf; a}+s / ljQ sDkgLn] cfˆgf] s'n shf{ nufgLsf] Go"gtd %
k|ltzt ljkGg ju{df k|jfx ug'{kg]{ Joj:yf /x]sf]df @)&* c;f/ d;fGtdf s'n
shf{sf] & k|ltzt k|jfx ePsf] 5 .
;x'lnotk"0f{ shf{
53. pTkfbg clej[l4, /f]huf/L l;h{gf / pBdzLntf ljsf;sf nflu g]kfn ;/sf/sf]
Aofh cg'bfgdf ;~rflnt ;x'lnotk"0f{ shf{ sfo{qmd cGtu{t @)&* c;f/;Dddf
!,)$,!)( C0fLnfO{ ?= !^! ca{ $$ s/f]8 shf{ k|jfx ePsf]] 5 . o;dWo] s[lif tyf
kz'k+IfL Joj;fodf $^,)%& C0fLnfO{ ?= !)^ ca{ (* s/f]8 / %%,%%! dlxnf
pBdLnfO{ ?= %) ca{ (* s/f]8 shf{ nufgL ePsf] 5 . ;x'lnotk"0f{ shf{sf cGo *
zLif{s cGtu{t @,%)! C0fLx?;F+u ?= # ca{ $* s/f]8 shf{ nufgLdf /x]sf] 5 .
sf]le8–!( nlIft shf{
k'g/shf{
54. sf]le8–!( dxfdf/Laf6 k|efljt cy{tGqsf] k'g?Tyfgsf] nflu tf]lsPsf k]zf, pBd /
Joj;fox?nfO{ Aofhb/df ;x'lnot lbg] p2]Zon] sfof{Gjogdf NofOPsf] k'g/shf{
;'lawfsf] Joj:yfaf6 @)&* c;f/ d;fGt;Dddf $*,*() C0fLnfO{ ?= !$* ca{
&% s/f]8 k'g/shf{ :jLs[t ePsf] 5 .
55. :jf:Yo ;]jf k|bfos ;+:yf, c:ktfn jf pBf]ux?n] lnlSj8 clS;hg Knf06 :yfkgf
ug{ ?= %) s/f]8;Dd / clS;hg Knf06 :yfkgf ug{ ?= @) s/f]8;Ddsf] shf{
pknAw x'g] Joj:yf sfof{Gjogdf NofOPsf] 5 .
rfn' k'FhL shf{
56. sf]le8–!( af6 cltk|efljt pBf]u Joj;fo ;'rf? Ufg{ ;xhLs/0f ug]{ p2]Zon]] rfn'
k'FhL shf{ pkof]u u/]sf C0fLnfO{ rfn' k'FhL shf{sf] clwstd @) k|ltzt yk shf{
pknAw u/fpg ;Sg] Joj:yf ul/Psf]df !^,!*@ C0fLnfO{ ?= !$ ca{ @$ s/f]8
o:tf] shf{ k|jfx ePsf] 5 .
57. cfjlws shf{ dfq pkof]u u/]sf C0fLnfO{ ;f]xL shf{sf] lwtf]df clwstd !)
k|ltzt;Dd yk shf{ pknAw u/fpg ;Sg] Joj:yf ul/Psf]df &,@^( C0fLnfO{ ?= (
ca{ #^ s/f]8 shf{ k|jfx ePsf] 5 .
shf{sf] u|]; cjlw yk
58. sf]le8–!( sf] sf/0f kl/of]hgf lgdf{0f ;DkGg÷;+rfng x'g g;s]sf] cj:yfdf a}+s
tyf ljQLo ;+:yfn] shf{sf] u|]; cjlw yk ug{;Sg] Joj:yf ul/Psf]df ((# C0fLsf]
10 g]kfn /fi6« a}+s
hDdf ?= %@ cj{ shf{sf] u|]; cjlw yk ePsf] 5 . o;dWo], Go"g Kf|efljt !&$
C0fLsf] ?= # ca{ (% s/f]8 shf{ ^ dlxgf, dWod k|efljt #@! C0fLsf] ?= !* ca{
$! s/f]8 shf{ ( dlxgf / clt k|efljt $(* C0fLsf] ?= @( ca{ ^# s/f]8 shf{sf]
u]|; cjlw ! jif{ yk ePsf] 5 .
shf{sf] e'QmfgL cjlw yk
59. sf]le8–!( sf] sf/0f shf{sf] ;fFjf / Aofh e'QmfgL ug{ ;d:ofdf k/]sf C0fLx?sf
nflu shf{ e'QmfgL cjlw yk ug]{ Joj:yf eP adf]lhd !(,&*^ C0fLsf] hDdf ?=
(# cj{ ^# s/f]8 shf{sf] e'QmfgL cjlw yk ePsf] 5 . o;dWo], Go"g k|efljt
ljleGg k]zf, pBf]u / Joj;fosf &,^** C0fLsf] ?= #) ca{ # s/f]8 shf{sf]
e'QmfgL cjlw ^ dlxgf, dWod k|efljt &,**& C0fLsf] ?= @* ca{ @& s/f]8 shf{sf]
e'QmfgL cjlw ( dlxgf / clt k|efljt $,)!@ C0fLsf] ?= !$ ca{ $& s/f]8
shf{sf] e'QmfgL cjlw ! jif{ yk ePsf] 5 . sf]le8–!( af6 clt k|efljt ko{6g
nufot tf]lsPsf pBf]u Joj:ffo If]qsf !(( C0fLsf] ?= @) ca{ *^ s/f]8 shf{sf]
e'QmfgL cjlw @ jif{sf] nflu yk ePsf] 5 .
shf{sf] k'g/;+/rgf tyf k'g/tflnsLs/0f
60. shf{sf] k'g/;+/rgf tyf k'g/tflnsLs/0f ug{ ;Sg] Joj:yf adf]lhd @)&& k';
d;fGt;Dd sf]le8–!( af6 k|efljt If]qsf @!,^!& pBdL Joj;foLsf] ?= !@( ca{
@! s/f]8 shf{ k'g/;+/rgf tyf k'g/tflnsLs/0f ePsf] 5 .
Joj;fo lg/Gt/tf shf{
61. sf]le8–!( k|efljt ko{6g / 3/]n', ;fgf tyf demf}nf pBd If]qsf] Joj;fo
lg/Gt/tfdf ;xof]u k'¥ofpg tL If]qsf >lds tyf sd{rf/Lsf] kfl/>lds e'QmfgLsf
nflu g]kfn ;/sf/af6 Joj:yf ul/Psf] Joj;fo lg/Gt/tf shf{ sfo{qmd cGt/u{t
@)&* c;f/;Dddf ?= (% s/f]8 ^& nfv :jLs[t eO{ ?= &# s/f]8 ^* nfv
nufgLdf /x]sf] 5 .
cfly{s jif{ @)&*÷&( sf] cfly{s kl/b[Zo
62. cfufdL jif{ sf]le8–!( dxfdf/Ln] ;+s'lrt /x]sf] ljZj cy{tGqsf] k'g?Tyfgdf ;'wf/
cfpg'sf] ;fy} d'b|f:kmLlt Go"g /xg] cGt/f{li6«o d'b|fsf]ifsf] cg'dfg 5 . oBlk cfly{s
k'g?Tyfgsf] ult sf]/f]gf lj?4sf] vf]kdf kxF'Rf x'g] / gx'g] d'n'sx?aLr leGg x'g]
b]lvPsf] 5 . ;g\ @)@! df ljZj cy{tGqsf] la:tf/ ^=) k|ltztn] / ;g\ @)@@ df
$=( k|ltztn] x'g] k|If]k0f 5 . To;}u/L, ;g\ @)@@ Dff ljsl;t d'n'sx?sf]
d'b|f:kmLlt @=! k|ltzt / pbLodfg tyf ljsf;f]Gd'v d'n'sx?sf] d'b|f:kmLlt $=&
k|ltzt /xg] k|If]k0f 5 .
63. jiff{ofdsf] z'?jft d} sltko :yfgx?df af9L–klx/f]] h:tf k|fs[lts k|sf]kaf6 hg–
wgdf Iflt k'u]sf] 5 . tyflk, ;du|df df};d cg's"n /xg] k"jf{g'dfg /x]sf], pGgt
aLpm tyf /f;folgs dnsf] pknAwtf a9]sf] / s[lif shf{df kx'Fr la:tf/ x'Fb} uPsf]
;Gbe{df s[lif If]qsf] pTkfbg j[l4 ;Gtf]ifhgs /xg] cg'dfg 5 . To;}u/L, cfly{s jif{
@)&*÷&( df g]kfndf sf]le8–!( lj?4 vf]k pknAw eO{ pBf]u / ;]jf If]qdf ;'wf/
cfpg] ck]Iffsf] cfwf/df cfly{s j[l4 ;'wf/ x'g] cfFsng 5 .
64. kl5Nnf] ;do d'b|f:kmLlt lgolGqt /x]sf] 5 . tyflk, cfly{s k'g?Tyfgn] ult lnP;Fu}
;dli6ut dfu la:tf/ x'g] cj:yf /x]sf], cGt/f{li6«o ahf/df sRrf t]nsf] d"No j[l4
eO/x]sf]] / g]kfnL ?k}ofFsf] kl/jTo{ ljb]zL d'b|f;Fusf] ljlgdo b/df ptf/r9fj
cfO/x]sf]n] d"Nodf s]xL rfk kg{] b]lvPsf] 5 .
65. sf]le8–!( dxfdf/LaLr klg lgof{t / ljk|]if0f cfk|jfx ;Gtf]ifhgs /x]sf] 5 .
kl5Nnf] ;do cfoft j[l4df tLj|tf cfpg yfn]sf] / j}b]lzs /f]huf/Ldf hfg]
g]kfnLsf] ;+Vof a9\g g;s]sf] sf/0f ljk|]if0f cfk|jfxdf hf]lvd sfod} /x]sf]n]
zf]wgfGt/ l:yltdf bjfj kg{ ;Sg] ;Defjgf 5 . tyflk, sf]/f]gf lj?4 vf]k pknAw
x'g yfn]sf] x'Fbf j}b]lzs /f]huf/Ldf hfg] ;+Vof a9\g ;Sg] b]lvG5 . ;du|df, cfly{s
k'g?Tyfg;F+u} zf]wgfGt/ l:yltdf rfk kg{ ;Sg] eP klg ljb]zL ljlgdo ;l~rlt
;'lawfhgs l:yltdf /xg] b]lvG5 .
66. cfly{s k'g?Tyfgn] ult lnP;+Fu} shf{sf] dfu a9\g] b]lvG5 . ;f] cg'?k lgIf]k ;+sng
nufotsf ljQLo ;fwg kl/rfng x'g g;s]df t/ntfdf bjfj l;h{gf eO{ shf{sf]
Aofhb/df rfk kg{] ;Defjgf 5 .
cfly{s jif{ @)&*÷&( sf] df}lb|s gLltsf] :j?k

sfo{lbzf
67. sf]le8–!( dxfdf/Laf6 k|efljt If]qx?sf] k'g?Tyfg ub}{ cy{tGq la:tf/df ;xof]u
k'¥ofpg df}lb|s ;xhLs/0f ug'{kg]{ / cfly{s tyf ljQLo :yfloTj sfod ug{ sl;nf]
df}lb|s gLlt cjnDag ug'{kg]{ cj:yfaLr tfnd]n ldnfO{ df}lb|s gLltsf] ;Gt'lnt
sfo{lbzf cjnDag ul/g]5 .
68. d"No tyf jfXo If]q :yfloTjdf kg{;Sg] bjfjtkm{ ;hu /xFb} df}lb|s gLltsf] c+s'z -
Anchor_ sf] ?kdf /x]sf] ljBdfg l:y/ ljlgdob/ k4ltnfO{ sfod /fVb} ;dli6ut
cfly{s l:yltsf cfwf/df df}lb|s Joj:yfkg ul/g]5 .
69. ljQLo ;|f]t kl/rfngsf] bfo/f km/flsnf] agfpFb} pknAw ljQLo ;fwgnfO{ pTkfbg
clej[l4, /f]huf/L l;h{gf, pBdzLntf ljsf; / lbuf] tyf ;dfj]zL cfly{s ljsf;
xfl;n ug]{tkm{ kl/nlIft ul/g]5 .
70. Aofhb/ sl/8f]/sf] k|efjsf/L sfof{Gjog dfkm{t\ Aofhb/ :yfloTj sfod x'g] u/L
t/ntf Joj:yfkg ul/g]5 .
71. ljQLo If]qsf] ljsf; / :yfloTjsf nflu a}+s tyf ljQLo ;+:yfx?df ;'zf;g k|j4{g
tyf ;'b[9Ls/0f u/L ljQLo dWo:ytfsf] sfo{nfO{ s'zn / k|efjsf/L agfOg] 5 .
72. e'QmfgL sf/f]af/df ljB'tLo dfWodsf] k|of]unfO{ k|j4{g u/L gub sf/f]af/ Go"gLs/0f
ub}{ nlug] 5 .
73. ljQLo k"jf{wf/sf] ljsf; / ljQLo ;fIf/tf clej[l4dfkm{t\ ljQLo kxF'r tyf ljQLo
;dfj]zLs/0f k|j4{g ul/g]5 .
cfly{s tyf df}lb|s nIo
74. cfly{s jif{ @)&*÷&( df pkef]Qmf d'b|f:kmLlt cf};t ^=% k|ltztleq ;Lldt
/fVg'sf] ;fy} cfly{s k'g?TyfgnfO{ k|fyldstf lbFb}] cy{tGq la:tf/df ;xof]u k'Ug]
u/L t/ntf Joj:yfkg ul/g]5 .
75. cfly{s jif{ @)&*÷&( df slDtdf & dlxgfsf] j:t' tyf ;]jf cfoft wfGg kof{Kt
ljb]zL ljlgdo ;l~rlt sfod x'g] u/L df}lb|s tyf jfXo If]q Joj:yfkg ul/g]5 .
76. k|rlnt d"Nosf] s'n ufx{:Yo pTkfbgnfO{ df}lb|s k|If]k0fsf] cfwf/sf] ?kdf lnO{
cfly{s jif{ @)&*÷&( df lj:t[t d'b|fk|bfosf] la:tf/ !* k|ltzt / lghL If]qtkm{sf]
shf{ la:tf/ !( k|ltzt x'g] k|If]k0f /x]sf] 5 .
;+rfng nIo tyf pks/0f
77. a}s tyf ljQLo ;+:yfn] sfod ug{' kg]{ clgjfo{ gub cg'kft # k|ltztsf] ljBdfg
Joj:yfnfO{ oyfjt /flvPsf] 5 .
78. a}s tyf ljQLo ;+:yfn] clGtd C0fbftf ;'ljwfsf] ?kdf pkof]u ug]{ a}+sb/nfO{ %
k|ltztdf oyfjt /flvPsf] 5 .
79. Aofhb/ sl/8f]/sf] dflyNnf] ;Ldfsf] ?kdf /x]sf] :yfoL t/ntf ;'ljwf b/ %
k|ltztnfO{ oyfjt\ /flvPsf] 5 . sl/8f]/sf] tNnf] ;Ldfsf] ?kdf /x]sf] lgIf]k ;+sng
b/nfO{ ! k|ltztaf6 j[l4 u/L @ k|ltzt / gLltut b/sf] ?kdf /x]sf] l/kf]b/nfO{ #
k|ltztaf6 j[l4 u/L #=% k|ltzt sfod ul/g]5 . v'nf ahf/ sf/f]af/nfO{ yk ;lqmo
agfO{ Aofhb/ sl/8f]/sf] Joj:yfnfO{ k|efjsf/L agfOg] 5 .
80. jfl0fHo a}+s, ljsf; a}+s / ljQ sDkgLn] sfod ug'{kg]{ ljBdfg j}wflgs t/ntf
cg'kft qmdzM !) k|ltzt, * k|ltzt / & k|ltztnfO{ oyfjt sfod /flvPsf] 5 .
cfly{s jif{ @)&*÷&( sf] ljQLo If]q ;DaGwL Joj:yf
;|f]t kl/rfng
81. jfl0fHo a}+sx?sf cltl/Qm /fli6«o :t/sf ljsf; a}+s, ljQ sDkgL / yf]s sf/f]af/
ug]{ n3'ljQ ljQLo ;+:yfx?n] ;d]t cfˆgf] r'Qmf k'FhLsf] @% k|ltzt C0fkq hf/L
ug{]{ Joj:yf ldnfOg] 5 .
82. s[lif / pmhf{ If]qsf] ljsf;df bL3{sfnLg ;fwg kl/rfng ug{] p2]Zon] sfof{Gjogdf
NofOPsf] s[lif / pmhf{ C0fkq ;DaGwL ljBdfg Joj:yfnfO{ lg/Gt/tf lbOg] 5 .
83. j}b]lzs /f]huf/Ldf /x]sf g]kfnLsf] ljk|]if0f a+}lsË k|0ffNfLdfkm{t\ leq\ofpg / art ug{
k|f]T;flxt ug]{ p2]Zon] a}+lsË k|0ffnLaf6 k|fKt x'g] ljk|]if0f /sd a}+s tyf ljQLo
;+:yfx?df hDdf u/]df Go"gtd ! k|ltzt laGb' yk Aofh kfpg] Joj:yf ldnfOg] 5 .
shf{ k|jfx
84. jfl0fHo a}+sx?n] s[lif, pmhf{ / n3', 3/]n', ;fgf Pjd\ demf}nf pBdsf If]qdf
?= ! s/f]8 eGbf sd /sdsf shf{ k|jfx ug'{kg]{ !% k|ltztsf] Go"gtd cg'kftsf]
ljBdfg Joj:yfnfO{ lg/Gt/tf lbOPsf]] 5 .
85. s[lif, n3' tyf 3/]n' If]qdf shf{ k|jfxnfO{ yk k|f]T;flxt ug{ ufFpkflnsf tyf
gu/kflnsfsf] ;/sf/L sf/f]af/ ;~rfng ug]{ jfl0fHo a}+ssf zfvfx?df s[lif, n3'
tyf 3/]n' shf{ ;DaGwL kmf]sn 8]:ssf] :yfkgf x'g] Joj:yf ldnfO{g] 5 .
86. a}s tyf ljQLo ;+:yfx?n] k|jfx ug]{ ljkGg ju{ shf{ ;DaGwL ljBdfg Joj:yfdf
cfjZos kl/dfh{g ub}{ o:tf] shf{ n3', 3/]n,' ;fgf tyf demf}nf pBf]u÷Joj;fo
;DaGwL shf{df qmdzM ;dfof]hg ub}{ nlug] 5 .
ljkGg ju{ shf{
87. sf]le8–!( sf] sf/0f ko{6g If]qdf /f]huf/L u'dfPsf JolQm :j/f]huf/ x'g]u/L
Joj;fo ;~rfng ug{ k|jfx x'g] ?= !% nfv;Ddsf] shf{nfO{ ljkGg ju{ shf{df
u0fgf ug{ ;lsg] Joj:yf ldnfOg] 5 .
88. C0fL :jod\ /f]huf/ x'g] p2]Zon] ;jf/L ;fwg vl/b ug{ k|jfx x'g] ?= @%
nfv;Ddsf] shf{nfO{ ljkGg ju{ shf{df u0fgf ug{ ;Sg] Joj:yf ldnfOg] 5 .
89. Dflxnf pBdLåf/f n3' pBd tyf :j/f]huf/d"ns Joj;fo ;~rfng ug{ kl/of]hgfsf]
lwtf]df k|jfx x'g] ?= @) nfv;Ddsf] shf{{nfO{ ljkGg ju{ shf{df u0fgf x'g] Joj:yf
ul/g]5 . o:tf] shf{sf] clgjfo{ ?kdf aLdf ug'{ kg]{ Joj:yf ldnfOg] 5 .
90. jf:tljs s[lif Joj;foLnfO{ ?= @) nfv;Dd s[lif Joj;fo ;~rfng ug{
kl/of]hgfsf] lwtf]df k|jfx x'g] shf{{nfO{ ljkGg ju{ shf{df u0fgf x'g] Joj:yf
ul/g]5 . o:tf] shf{sf] clgjfo{ ?kdf aLdf ug'{ kg]{ Joj:yf ldnfOg] 5 .
;x'lnotk"0f{ shf{
91. pTkfbgzLn cy{tGq lgdf{0fsf] nflu pTkfbg clej[l4, /f]huf/L l;h{gf /
pBdzLntf ljsf; ug{ g]kfn ;/sf/sf] ;x'lnotk"0f{ shf{sf nflu Aofh cg'bfg
;DaGwL PsLs[t sfo{ljlw cg'?k ;x'lnotk"0f{ shf{ sfo{qmdsf] k|efjsf/L sfof{Gjog
ul/g]5 .
cfly{s k'g?Tyfg nlIft ljz]if sfo{qmd
k'g/shf{
92. sf]le8–!( dxfdf/Laf6 k|efljt pBf]u÷Joj:ffosf] zL3| k'g?Tyfgsf] nflu
sfof{Gjogdf NofOPsf] k'g/shf{sf] ljBdfg Joj:yfnfO{ lg/Gt/tf lbFb} ut cfly{s
jif{df Joj:yf ul/Psf] k'g/shf{ /sdsf] clwstd ;Ldf g36\g] u/L k'g/shf{ ;'lawf
pknAw x'g] Joj:yf ldnfOg] 5 . k'g/shf{ ;'lawf pknAw u/fpFbf n3', 3/]n', ;fgf
tyf demf}nf pBd÷Joj;fonfO{ k|fyldstf lbOg] 5 .
Joj;fo lg/Gt/tf shf{
93. sf]le8–!( dxfdf/Lsf sf/0f ;+s6u|:t pBf]u, ko{6g Joj;fo, ;~rf/, oftfoft,
kf6L{ Kofn];, Aofofdzfnf, l;g]df tyf dgf]/~hg pBf]u nufotsf Joj:ffo
k'g?Tyfgsf] nflu Joj;fo lg/Gt/tf shf{ sfo{qmdsf] k|efjsf/L sfof{Gjog ul/g]5 .
shf{ e'QmfgL cjlw yk, k'g/;+/rgf tyf k'g/tflnsLs/0f
94. sf]le8–!( dxfdf/Ln] ;du| cy{tGqdf kf/]sf] k|efj ;d]tnfO{ dWogh/ u/L a}s tyf
ljQLo ;+:yfx?n] shf{ k|bfg u/]sf C0fL kmd{, sDkgL jf ;+:yf nuftf/ @ aif{;Dd
v'b gf]S;fgLdf /x]df ;"Id lgu/fgL ju{df juL{s/0f ug'{ kg]{ Joj:yfnfO{ kl/jt{g u/L
nuftf/ # jif{;Dd v'b gf]S;fgLdf /x]df dfq ;"Id lgu/fgL ju{df juL{s/0f ug'{ kg]{
Joj:yf ul/g]5 .
95. a}+s tyf ljQLo ;+:yfx?n] shf{ k|jfx u/]sf C0fLx?dWo] sf]le8–!( sf] sf/0f
ljQLo cj:yf tyf gub k|jfxdf gsf/fTds c;/ k/]sf C0fLx?nfO{ a}+s tyf ljQLo
;+:yf :jo+n] ljZn]if0f u/L ls:tf /sd 36fO{ e'QmfgL cjlw yk ug{ ;lsg] Joj:yf
ul/g]5 .
96. lgif]wf1f cjlwsf] @)&* c;f/;Dd e'QmfgL ug'{ kg]{ OPdcfO{÷OSo"cfO{ jf cGo ;fFjf
Aofh e'QmfgL ug{ g;s]sf u|fxsx?sf] ljQLo l:ylt a}+s tyf ljQLo ;+:yfn]
d"NofÍg u/L @)&* k'; d;fGt;Dd e'QmfgL Dofb yk ug{ ;Sg] Joj:yf ul/g]5 .
97. sf]le8–!( dxfdf/Laf6 clt k|efljt If]qdWo] xf]6n, 6«fen, 6«]lsË / xjfO{ ;]jf
nufotsf jfXo ko{6sdf lge{/ /xg'kg]{ Joj;foL C0fLsf] xsdf cGt/f{li6«o e|d0f
;xh eO{ oy]i7 ?kdf ko{6ssf] cfudg x'g] cj:yf gb]lvPsf] x'Fbf To:tf C0fLsf]
ljQLo cj:yf ljZn]if0f u/L cfjZostf cg';f/ @)&( c;f/ d;fGt;Dd kfSg] Aofh
5'6\6} lx;fjdf /fVg] Joj:yf ul/g]5 . o:tf] /sddf yk xhf{gf / k]gfn Aofh gnfUg]
Joj:yf ldnfO{g] 5 .
98. sf]le8–!( dxfdf/Laf6 clt k|efljt If]qdWo] /]i6'/]06, kf6L{ Kofn];, ;fj{hlgs
oftfoft, lzIf0f ;+:yf / dgf]/~hg Joj;fosf C0fLn] @)&* k';;Dd e'Qmfg ug'{kg]{
;fFjf tyf Aofh bfloTjsf] ;dofjlw Ps jif{;Dd yk u/L slDtdf rf/ ls:tfdf
e'QmfgL ug{ ;Sg] Joj:yf ul/g]5 . of] Joj:yf sf]le8–!( dxfdf/Lsf sf/0f gub
k|jfx cj?4 ePsf n3', 3/]n', ;fgf / demf}nf Joj;fonfO{ ;d]t nfu" x'g] 5 .
99. sf]le8–!( af6 clt k|efljt ko{6g, rnlrq, kf6L{ Kofn];, ;fj{hlgs oftfoft tyf
lzIff If]qdf k|jfx ePsf] shf{ a}+s tyf ljQLo ;+:yfn] d"NofÍg u/L @)&* k';
d;fGt;Dddf k'g/;+/rgf tyf k'g/tflnsLs/0f ug{ ;Sg] Joj:yf ldnfOg] 5 .
100. sf]le8–!( af6 clt k|efljt ;fj{hlgs oftfoft ;+Rffng÷dd{t ;Def/sf] nflu a}+s
tyf ljQLo ;+:yfn] k|lt ;jf/L ;fwg ? @ nfv;DDf yk shf{ k|bfg ug{ ;Sg]
Joj:yf ldnfO{g] 5 .
shf{ ;DaGwL cGo Joj:yf
101. a}+s tyf ljQLo ;+:yfx?n] @)&( c;f/ d;fGt;Dddf shf{–lgIf]k cg'kft (Credit
Deposit Ratio) clwstd () k|ltzt sfod ug'{ kg]{ Joj:yf u/L ljBdfg shf{–;|f]t
kl/rfng cg'kft (CCD Ratio) ;DaGwL Joj:yf vf/]h ul/g]5 . k'FhL sf]if / k'FhL
sf]ifsf] cËsf] ?kdf /x]sf C0fkq jfx]ssf C0fkq / ;fk6LnfO{ pk/f]Qm adf]lhdsf]
shf{–lgIf]k cg'kftdf ;dfof]hg ug{ ;lsg] Joj:yf ul/g]5 .
102. a}+s tyf ljQLo ;+:yfn] ?= ! ca{eGbf a9Lsf] shf{ nufgL ubf{ clgjfo{ ?Kfdf
;xljQLos/0fdf hfg' kg]{ Joj:yf /x]sf]df To:tf] ;Ldf j[l4 u/L ?= @ ca{ k'¥ofOg]
5.
103. a|f]8j]08 k|j4{g u/L ;j{;fwf/0fdf OG6/g]6 kx'Fr k'¥ofpg] u/L b'u{d :yfgx?df ;]jf
k'¥ofpg] OG6/g]6 ;]jf k|bfos ;+:yfx?nfO{ ljz]if k'g/shf{ pknAw u/fOg] 5 .
104. jfl0fHo a}+sx?n] @)&* c;f/ d;fGtdf sfod ug'{kg]{ u/L tf]lsPsf] If]qut shf{
cg'kft sf]le8–!( sf] c;/nfO{ b[li6ut u/L @)&( c;f/ d;fGt;Ddsf] nflu
tf]lsPsf] shf{ cg'kft Psd'i6 ?kdf k"/f u/] x'g] Joj:yf ul/g]5 .
105. Aofh k'FhLs/0f ug{ o; a}+saf6 k"j{ :jLs[lt k|fKt u|]; cjlwdf /x]sf lgdf{0ffwLg
cfof]hgfdf k|jflxt shf{sf] @)&( c;f/ d;fGt;Dd kfs]sf] Aofh k'FhLs/0f ug{
;lsg] Joj:yf ul/g]5 .
106. kmnkm"n, d;nf, hl8a'6L nufotsf bL3{sfnLg s[lif kl/of]hgfdf k|jfx x'g] shf{sf]
u|]; calwdf kfs]sf] AofhnfO{ a}}+s tyf ljQLo ;+:yfn] k'FhLs/0f ug{ ;Sg] Joj:yf
ldnfOg] 5 .
107. g]kfn ;/sf/af6 dxfdf/LhGo /f]usf] pkrf/sf] nflu dfGotf k|fKt vf]k pTkfbg ug]{
pBf]u :yfkgf ug{ a}+s tyf ljQLo ;+:yfx?af6 cfwf/ b/df shf{ pknAw x'g]
Joj:yf ldnfOg] 5 .
108. sf]le8–!( dxfdf/Lsf] c;/sf sf/0f n3', 3/]n', ;fgf tyf demf}nf Joj;foLn]
Joj;fo kl/jt{g ug{ rfx]df C0f pknAwtfdf ;xhLs/0f ug{ cfjZos gLltut
Joj:yf ul/g]5 .
109. a}+s tyf ljQLo ;+:yfx?af6 z]o/ lwtf]df k|jfx x'g] dflh{g k|s[ltsf] shf{df
tf]lsPsf] ljBdfg shf{ lwtf] d"No cg'kft oyfjt sfod ul/Psf] 5 .
110. a}+s tyf ljQLo ;+:yfx?af6 z]o/ lwtf]df k|jfx x'g] dflh{g k|s[ltsf] shf{ hf]lvd
Go"gLs/0f ub}{ ;fgf nufgLstf{x?sf] kx'r
F clej[l4 ug]{ clek|fon] o:tf] shf{ Ps
JolQm jf ;+:yfn] Ps ljQLo ;+:yfaf6 clwstd ?= $ s/f]8 / ;du| ljQLo
k|0ffnLaf6 clwstd ?= !@ s/f]8;Dd dfq lng ;Sg] Joj:yf ldnfOg] 5 . C0fLn]
pQm ;LdfeGbf a9L shf{ pkef]u ul//x]sf] cj:yfdf o:tf] shf{ lgoldt ug{ pko'Qm
;do ;Ldf k|bfg ul/g] 5 .
111. sf]le8–!(af6 k|efljt ljleGg k]zfdf ;+nUg k]zfut Joj;foLx?nfO{ lglZrt

;Ldf;Ddsf] shf{ pknAw x'g] Joj:yf ul/g]5 .
112. ljB'tLo ;jf/L ;fwg vl/bsf] nflu sfod ul/Psf] shf{ lwtf] cg'kftsf] ljBdfg
:fLdf oyfjt sfod /fVb} o:tf ;jf/L ;fwgsf] nflu cfjZos rflh{Ë :6]zg
:yfkgfsf] nflu k|jfx x'g] shf{df k'g/shf{ pknAw x'g] Joj:yf ldnfO{g] 5 .
113. c:ktfn gePsf :yfgLotxdf !)) a]8;Ddsf] c:ktfn :yfkgf ug{ a}+s tyf
ljQLo ;+:yfx?af6 ;xh ?kdf shf{ k|jfx x'g] Joj:yf ldnfOg] 5 .
114. k|fljlws tyf Joj;foLs tfnLd k|bfg ug]{ ;+:yfx?nfO{ a}+s tyf ljQLo ;+:yfx?af6
;xh ?kdf shf{ pknAw x'g] Joj:yf ldnfOg] 5 .
115. :jb]zL sRrf kbfy{df cfwfl/t pBf]ux? :yfkgf tyf ;~rfng ug{ ljQLo ;|f]t
pknAw u/fpg ;xhLs/0f ul/g]5 .
ljQLo If]q ;'b[9Ls/0f
116. ljQLo If]qsf] lbuf] / ;dfj]zL ljsf; tyf ljQLo kx'Fr clej[l4sf] nflu bf];|f] ljQLo
If]q ljsf; /0fgLlt / o; a}+ssf] rf}yf] /0fgLlts of]hgf th'{df u/L sfof{Gjogdf
NofOg]5 .
117. ljb]zL ljlgdo lgoldt ug]{ P]g, @)!(, ljlgd]o clwsf/kq P]g, @)#$, a}lsË s;'/
P]g, @)^$ nfO{ kl/dfh{g ug{ ;+zf]wg k|lqmof cl3 a9fOg] 5 .
118. a}+s tyf ljQLo ;+:yfx?sf] k'FhLsf] cfwf/ bl/nf] agfO{ hf]lvd jxg Ifdtf ;'b[9
t'Nofpg a}s tyf ljQLo ;+:yfx? Ps cfk;df :jM:k"mt{ ?kdf ufEg], ufleg] tyf
k|flKt k|lqmofdf ;xefuL x'g yk k|f]T;flxt ul/g]5 .
119. cfly{s jif{ @)&*÷&( leq jfl0fHo a}+sx? Ps cfk;df ufEg], ufleg] tyf k|flKt
k|lqmofdf ;xefuL eO{ PsLs[t sf/f]jf/ ;+rfng u/]df ljBdfg Joj:yfsf] cltl/Qm
b]xfo adf]lhdsf yk ;'lawf tyf 5'6 @)*) c;f/ d;fGt;Dd k|bfg ul/g]5M
-s_ tf]lsPsf If]qdf shf{ k|jfx ug]{ cjlw Ps jif{ yk ul/g] .
-v_ PsLs[t sf/f]af/ u/]sf] Ps jif{;Dd clgjfo{ gub df}Hbftsf] ;Ldfdf )=%
k|ltzt laGb'n] 5'6 k|bfg ul/g] .
-u_ PsLs[t sf/f]af/ u/]sf] Ps jif{;Dd j}wflgs t/ntf cg'kftdf ! k|ltzt

laGb'n] 5'6 k|bfg ul/g] .
-3_ o; a}+saf6 tf]lsPsf] k|lt ;+:yf lgIf]k ;+sng ;Ldfdf % k|ltzt laGb'n] yk
ul/g] .
-ª_ ;+rfns ;ldltsf ;b:o / pRr kb:y sd{rf/L kbaf6 x6]sf] slDtdf ^
dlxgf Joltt geO{ o; a}+saf6 Ohfhtkq k|fKt cGo ;+:yfdf cfa4 x'g
gkfpg] ljBdfg k|fjwfgdf 5'6 k|bfg ul/g] .
-r_ o; a}+ssf] lgb]{zg adf]lhd sfod ug'{ kg]{ shf{ / lgIf]ksf] Aofhb/ cGt/df !
k|ltzt laGb'n] 5'6 lbOg] .
-5_ PsLs[t sf/f]af/ yfngL ubf{ shf{ lgIf]k cg'kftn] ;Ldf gf3]df ;f] lgoldt
ug{ Ps jif{sf] ;do k|bfg ul/g] .
-h_ PsLs[t sf/f]af/ ;+rfngsf] qmddf ! ls=ld= leqsf zfvf sfof{nox? dWo]
s'g} Ps zfvf sfod /fvL cGo zfvf ufEg jf aGb ug{ o; a}+ssf] :jLs[lt
cfjZos gkg]{ Joj:yf ul/g] .
-em_ jfl0fHo a}ssf] )=!) k|ltzt jf ;f]eGbf sd z]o/ wf/0f u/]sf ;+:yfks
;d"xsf] z]o/ wgLx?n] o:tf] z]o/ laqmL ubf{ lkm6 P08 k|k/ 6]:6 clgjfo{
gx'g] Joj:yf ul/g] .
120. o; a}+saf6 ;d:ofu|:t 3f]if0ff ul/Psf ljsf; a}s + / ljQ sDkgLnfO{ Ohfhtkq
k|fKt a}+s tyf ljQLo ;+:yfn] k|flKt u/]df pk/f]Qm adf]lhdsf ;'lawf tyf 5'6 lbOg]
5.
121. a}+s tyf ljQLo ;+:yfx?sf] ufEg]÷ufleg] sfo{nfO{ yk k|f]T;fxg ug{ dh{/÷k|flKt
kZrft ;+:yfks / ;j{;fwf/0f z]o/ wf/0f ug]{ z]o/wgLn] /f]h]sf] Ps ;d"xaf6 dfq
;~rfnsdf pDd]bjf/L lbg kfOg] Joj:yf ul/g]5 .
122. k|b]z:t/df ;~rflnt ljsf; a}+s Ps cfk;df ufEg]÷ufleg] jf k|flKt k|lqmofdf
;+nUg eO{ PsLs[t sf/f]af/ ;+rfng u/]df sfo{If]q leq kfos kg]{ :yfgdf skf]{/]6
sfof{no :yfkgf ug{ / k|b]z /fhwfgL tyf sf7df8f}+df ;Dks{ sfof{no vf]Ng
:jLs[lt k|bfg ul/g]5 .
lgofdsLo tyf ;'kl/j]IfsLo Joj:yf
123. jfl0fHo a}+sx?sf] nflu nfu" ul/Psf] Counter Cyclical Buffer ;DaGwL Joj:yf @)&(
c;f/ d;fGt;Ddsf nflu :yug ul/Psf] 5 .
124. a}+s tyf ljQLo ;+:yfx?n] cfjlws k|s[ltsf shf{ l:y/ Aofhb/ (Fixed Interest
Rate) df ;d]t k|bfg ug'{ kg]{ Joj:yf ul/g]5 . a}+s tyf ljQLo ;+:yfx?n] Aofhb/
ljj/0f ;fj{hlgs ubf{ To:tf] Aofhb/ ;d]t k|sfzg ug'{kg]{ Joj:yf ul/g]5 .
125. a}+s tyf ljQLo ;+:yfx?n] sfod ug'{ kg]{ shf{ / lgIf]ksf] Aofhb/ cGt/sf] ljBdfg
Joj:yfnfO{ oyfjt sfod /flvPsf] 5 .
126. cfwf/ b/ u0fgfsf] ljBdfg ljlwnfO{ k'g/fjnf]sg ul/g]5 . a}+s tyf ljQLo
;+:yfx?n] shf{sf] Aofhb/ lgwf{/0f ubf{ cfwf/ b/df yk ug]{ lk|ldod b/ ;+:yf
cfkm}Fn] lgwf{/0f ug{ ;Sg] Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 . t/ pBd Joj;fo
;~rfng ug{ ?= ! s/f]8 jf ;f]eGbf sd C0f pkof]u ug]{ C0fLsf] xsdf cfwf/
b/df clwstd @ k|ltzt laGb'n] dfq lk|ldod yk ug{ ;Sg] Joj:yf ldnfOg] 5 .
127. gjk|jt{g, ;Lk / pBdzLntf ljsf; k|f]T;flxt ug{ kl/of]hgfdf cfwfl/t shf{
Joj:yfnfO{ yk k|efjsf/L agfOg] 5 .
128. a}+s tyf ljQLo ;+:yfx?n] k|jfx ug]{ clwljsif{ shf{ nufot rfn' k'FhL shf{nfO{ yk
kf/bzL{ tyf k|efjsf/L agfpg rfn' k'FhL shf{ ;DaGwL dfu{bz{g hf/L ul/g]5 .
129. jfl0fHo a}+s, ljsf; a}+s, ljQ sDkgL / k"jf{wf/ ljsf; a}+sn] o; a}+sdf k]z ug'{kg]{
tYofÍ tyf hfgsf/Lx? ;'kl/j]IfsLo ;"rgf k|0ffnL (Supervisory Information
System-SIS) dfkm{t\ k]z ug'{ kg]{ Joj:yf ul/g]5 .
130. a}+s tyf ljQLo ;+:yfx?sf ;xfos sDkgLx?sf] PsLs[t ;'kl/j]If0fnfO{ k|efjsf/L
agfpg cGo lgofds Pjd\ ;/f]sf/jfnf lgsfox?;Fu ;dGjo ul/g]5 .
131. art tyf C0f ;xsf/L ;+:yfx?sf] lgofdsLo lgsfox?sf] lgodg tyf ;'kl/j]If0f
Ifdtf clej[l4 ug{ cfjZostf cg';f/ gLltut ;dGjo / k|fljlws ;xfotf pknAw
u/fOg] 5 .
132. a}+s tyf ljQLo ;+:yfn] u|fxsnfO{ sfnf];"rLdf /fVg] ljBdfg Joj:yf k'g/fjnf]sg
ul/g]5 .
133. o; a}+saf6 cg'dltk|fKt xfo/kr]{h sf/f]af/ ug]{ ;+:yfx?sf] ljBdfg lgodg Joj:yf
kl/dfh{g ul/g]5 .
134. sf]le8–!( dxfdf/Laf6 Kf|efljt k]zf / Joj;fo k'g?Tyfgsf] nflu k|bfg ePsf]
k'g/shf{, Joj;fo lg/Gt/tf shf{ / ;x'lnotk"0f{ shf{sf] k|efjsfl/tf tyf
;b'kof]lutf ;'lglZrt ug{ :jtGq k/LIf0fsf] Joj:yf ul/g]5 .
135. a}+s tyf ljQLo ;+:yfx?sf] ;+:yfut ;fdflhs pQ/bfloTj vr{ Jojl:yt ug{
dfu{bz{g hf/L ul/g]5 .
136. a}+s tyf ljQLo ;+:yfx?n] s0ff{nL k|b]z / ;'b"/ klZrd k|b]zx?df ;Dks{ sfof{no
vf]Ng o; a}+ssf] :jLs[lt lng' gkg]{ Joj:yf ul/g]5 .
137. u|fxs klxrfg ;DaGwL Joj:yfnfO{ ;/nLs[t u/L k|ljlwdf cfwfl/t u|fxs klxrfg
k|0ffnL (E-KYC) ljsf; ul/g]5 .
138. n]vf k/LIf0f kmd{x?n] a}+s tyf ljQLo ;+:yfx?sf] jflif{s ?kdf n]vfk/LIf0f ug{
;Sg] clwstd ;+Vof sfod ug]{ ;DaGwdf g]kfn rf6{8 PsfpG6]G6\; ;+:yf;+u
cfjZos ;dGjo ul/g]5 .
n3'ljQ ;DaGwL Joj:yf
139. yf]]s shf{ k|bfos n3'ljQ ljQLo ;+:yf / v'b|f sf/f]jf/ ug{] n3'ljQ ljQLo ;+:yfaLr
;d]t Ps cfk;df ufEg]÷ufleg] tyf k|flKt k|lqmofdf ;xefuL eO{ PsLs[t ePdf
v'b|f sf/f]jf/ ug{] n3'ljQ ljQLo ;+:yfsf] ?kdf sfo{ ug{ ;Sg] Joj:yf ul/g]5 .
140. jfl0fHo a}+s, ljsf; a}+s / ljQ sDkgLx?sf]] bf]xf]/f] nufgL (Cross Holding) ePsf
n3'ljQ ljQLo ;+:yfx? @)&( c;f/ d;fGtleq Ps cfk;df ufEg' jf ufleg' kg]{
Joj:yf ul/g]5 .
141. art tyf C0f ;DaGwL sf/f]af/ ug]{ ;xsf/L ;+:yf afx]ssf cGo ljifout ;xsf/L
;+:yfsf ;d"x ;b:o dfk{mt ;fd"lxs v]tL tyf kz'÷k+IfLkfng ug{] k|of]hgsf] nflu
k|lt ;b:o ?= % nfv ggf£g] u/L To:tf ;xsf/L ;+:yfx?nfO{ jfl0fHo a}+s, ljsf;
a}+s / ljQ sDkgLx?n] shf{ pknAw u/fpg ;Sg] Joj:yf ldnfOg] 5 .
142. n3'ljQ ljQLo ;+:yfx?n] jfl0fHo a}+ssf] ljQLo k|ltlglwsf] ?kdf sfo{ ug{ ;Sg]
;DaGwdf cfjZos cWoog ul/g]5 .
143. /fli6«o :t/sf n3'ljQ ljQLo ;+:yfx?n] g]kfn ljQLo k|ltj]bgdfg adf]lhd ljQLo
ljj/0f k|sfzg ug'{ kg]{ Joj:yf nfu" ul/g]5 .
e'QmfgL k|0ffnL
144. cfly{s jif{ @)&(÷*) nfO{ ljB'tLo e'QmfgL sf/f]jf/ k|j4{g jif{sf] ?kdf dgfpg
rfn' cfly{s jif{ cfjZos k"jf{wf/sf] ljsf; / r]tgf clej[l4df hf]8 lbOg] 5 .
145. ljB'tLo e'QmfgLsf pks/0fx?aLr cGt/cfj4tf sfod ub}{ g]kfnleq x'g] e'QmfgL
sf/f]af/x?sf] /fkm;fkm tyf clen]vLs/0f ug{ / g]kfnsf] cfˆg} e'QmfgL sf8{
k|of]udf Nofpg /fli6«o e'QmfgL :jLr :yfkgfsf] sfo{ ;DkGg ul/g]5 .
146. ljB'tLo e'QmfgL k|0ffnLsf] ;du| Osf]l;:6dsf] ljsf; / k|j4{gdf nufgL ug{] e'QmfgL
;]jf k|bfos tyf e'QmfgL k|0ffnL ;+rfns / ;~rf/ ;]jf k|bfos ;+:yfx?nfO{ ljz]if
k'g/shf{ pknAw x'g] Joj:yf ul/g]5 .
147. ljB'tLo e'QmfgL sf/f]jf/sf] k|j4{gsf nflu ljleGg dfWodx?af6 x'g] e'QmfgL
sf/f]jf/sf] ;Ldf k'g/fjnf]sg ul/g]5 . ljB'tLo e'QmfgL sf/f]af/df nfUg] z'NsnfO{
pko'Qm :t/df sfod ug{ gLltut Joj:yf ul/g]5 .
148. g]kfn ;/sf/n] k|fKt ug]{ /fh:j / ;a} k|sf/sf e'QmfgL a}+lsË tyf ljB'tLo
e'QmfgLsf] dfWodaf6 ug]{ Joj:yfsf] nflu cfjZos ;xhLs/0f ul/g]5 .
149. ;/sf/L sf/f]af/ ug]{ a}+s zfvfx?n] ljB'tLo e'QmfgLsf pkfox? cjnDag u/L
;fdflhs ;'/Iff eQf ;DalGwt JolQmn] ;xh} k|fKt ug{ ;Sg] Joj:yf ldnfO{g] 5 .
150. e'QmfgL ;]jf k|bfos / e'QmfgL k|0ffnL ;~rfns ;+:yfx?n] @)&* c;f/ d;fGt;DDf
ug'{ kg]{ Go"gtd sf/f]af/ / k'¥ofpg' kg]{ u|fxs ;+Vof sf]le8 !( ;+qmd0fnfO{ b[li6ut
u/L @)&( c;f/ d;fGt;Dd k'¥ofpg' kg]{ u/L ;do yk ul/Psf] 5 .
151. e'QmfgL ;]jf k|bfos tyf e'QmfgL k|0ffnL ;+rfns ;+:yfx?sf] sf/f]af/sf] bfo/f a9fO{
n3'ljQ ljQLo ;+:yf / ;xsf/Lsf u|fxs ;dIf ;d]t ljB'tLo e'QmfgL ;]jf k'¥ofpg
k|f]T;fxg ul/g]5 . ;fy}, gub sf/f]af/sf] ljBdfg ;LdfnfO{ art tyf C0f ;xsf/L
;+:yfx?df ;d]t k|efjsf/L sfo{fGjog ug{ cfjZos ;dGjo ul/g]5 .
152. a}+s tyf ljQLo ;+:yfx?df shf{sf] cfj]bgb]lv :jLs[lt ug]{;Ddsf] k|lqmofnfO{
ljB'tLo dfWodaf6 x'g] Joj:yfsf nflu ;xhLs/0f ug{ l8lh6n shf{ dfu{bz{g
(Digital Lending Framework) th'{df u/L sfof{Gjogdf NofOg] 5 .
153. ljZjdf ljB'tLo d'b|fsf] k|of]u tyf ;DefJotf cWoog eO{/x]sf] ;Gbe{df g]kfndf
;d]t s]Gb|Lo a}+s ljB'tLo d'b|f (Central Bank Digital Currency) sf] ;DefJotf
cWoog ul/g]5 .
154. gful/s artkq tyf j}b]lzs /f]huf/ artkqsf] cfj]bg ljB'tLo dfWoddfkm{t\ ug{
;lsg] Joj:yf ldnfOg] 5 .
155. e'QmfgL k|0ffnL nufotsf tYofÍ tyf ;"rgfx? ;'/lIft ?kdf Joj:yfkg ug{ Snfp8
k"jf{wf/sf] k|of]u ug]{ ;DaGwdf cfjZos cWoog ul/g]5 .
156. n3', ;fgf / 3/]n' pBd tyf :6f6{ck k|j4{g ug{ l8lh6n a}+lsËsf] cjwf/0ff tyf
e'QmfgL k|bfos ;+:yfx?n] lglZrt /sd;Ddsf] n3' shf{ pknAw u/fpg ;Sg]
Joj:yf ;DaGwdf cfjZos cWoog ul/g]5 .
157. a}+s tyf ljQLo ;+:yfx? Affx]ssf e'QmfgL ;]jf k|bfos / e'QmfgL k|0ffnL ;~rfns
;+:yfx?n] lglZrt ;LdfeGbf a9Lsf] sf/f]jf/ / z+sf:kb sf/f]jf/sf] ljj/0f ljQLo
hfgsf/L OsfO{df pknAw u/fpg' kg]{ Joj:yf ldnfOg] 5 .
ljb]zL ljlgdo Joj:yfkg
158. g]kfnL ;+:yf÷lgsfox?n] ;]jf ;Demf}tf u/L ljb]zaf6 lng] ;]jf cfoft afktsf]
e'QmfgLsf nflu jfl0fHo a}+sx?n] k|bfg ug{ ;Sg] ;6xL ;'ljwfdf cfjZos
k'g/fjnf]sg ul/g]5 .
159. xjfO{ ;]jf k|bfos ;+:yfn] tf]lsPsf sfuhftsf] cfwf/df cd]l/sL 8n/ @% xhf/ jf
;f] a/fa/;Ddsf] ;]jf vl/bsf] nflu jfl0fHo a}+sx?af6 ljb]zL d'b|f ;6xL ;'ljwf
pknAw x'g] Joj:yf ldnfOg] 5 .
160. 8«fˆ6÷l6=l6= sf] dfWodaf6 tf]lsPsf] ;Ldf;Ddsf] e'QmfgL ubf{ Jofkfl/s ;fv ;"rgf
clgjfo{ gx'g] Joj:yf ldnfOg]5 .
161. /fli6«o k|fyldstfk|fKt cfof]hgfx?n] ;]jf lnP jfkt ljb]zL ;+:yfx?nfO{ ug]{ e'QmfgL
tf]lsPsf sfuhftsf] cfwf/df jfl0fHo a}+sx?af6 ;f]em} ug{ ;Sg] Joj:yf ldnfOg]
5.
162. ef/taf6 kl/jTo{ ljb]zL d'b|fdf cfoft ul/g] cf}Bf]lus sRrf kbfy{ tyf d]lzg/L
nufotsf j:t'x?sf] ljBdfg ;"rL k'g/fjnf]sg u/L cfjZos ;dfof]hg ul/g]5 .
163. dlgr]~h/, ljk|]ifs sDkgL, xf]6n, 6«fen, 6«]lsË, sfuf]{, Po/nfOG; nufotsf o;
a}+saf6 ljb]zL d'b|f sf/f]jf/ ug]{ :jLs[lt kfPsf ;+:yfx?sf] ljb]zL d'b|f sf/f]af/
cg'dltkq @)&( c;f/;Dd gjLs/0f ubf{ z'Ns gnfUg] Joj:yf ul/g]5 .
164. ljleGg kmd{, sDkgL tyf ;+:yfsf] PlKns]zg tyf ;ˆ6j]o/ vl/b / cgnfOg
lj1fkg nufotsf ;]jf cfoft jfktsf]] ljb]zL d'b|f e'QmfgL ;DalGwt
lgofds÷;/f]sf/jfnf lgsfo;+Fu ;DfGjo u/L yk Jojl:yt ul/g]5 .
165. ljk|]if0f ;]jf k|bfos sDkgLx?nfO{ yk ;'b[9Ls/0f ug{ Ps cfk;df ufEg÷ufleg
tyf k|flKtdf ;xefuL x'g cfjZos Joj:yf ldnfOg] 5 .
166. g]kfnL gful/sn] gubsf] ?kdf /fVg ;Sg] kl/jTo{ ljb]zL d'b|fsf] clwstd ;Ldf /
;f]sf] ;dofjlw tyf kl/jTo{ ljb]zL d'b|f ;6xL ;DaGwL Joj:yf k'g/fjnf]sg
ul/g]5 .
167. sf]le8–!( l;lh{t :jf:Yo ;d:ofsf] pkrf/df ;3fp k'¥ofpg] hLjg /Ifs cf}ifwL
tyf :jf:Yo ;fdu|L pks/0fsf] cfoft ;DaGwL ljBdfg Joj:yf k'g/fjnf]sg u/L
yk ;xhLs/0f ul/g]5 .
168. cd]l/sL 8n/df ljk|]if0fsf] e'QmfgL ug{ ;d:of ePsf d'n'sx?df ;DalGwt b]zsf
ljk|]if0f sDkgLx?n] o; a}+ssf] Ph]G;L vftfdfkm{t\ :yfgLo d'b|fdf ljk|]if0f /sd hDdf
u/L g]kfn k7fpg ;lsg] Joj:yfsf ;DaGwdf cfjZos cWoog ul/g]5 .
169. Osdz{ k|j4{g ug]{ l;nl;nfdf ut jif{ hf/L ul/Psf] cd]l/sL 8n/ %)) ;Ddsf]
sf8{sf] pkof]u / sfof{Gjog cj:yfaf/] cWoog u/L yk k|efjsf/L agfOg]5 .
170. ljb]zL nufgL tyf C0f Joj:yfkg ljlgodfjnL, @)&* sf] sfof{Gjog cj:yfaf/]
cWoog ul/g]5 .
u|fxslxt ;+/If0f
171. Ohfhtkq÷cg'dlt k|fKt ;+:yfx?sf] ljQLo u|fxssf] lxt ;+/If0f ug{] p2]Zon] ljQLo
u|fxs ;+/If0f ;DaGwL sfg"gsf] d:of}bf th'{df ul/g]5 .
172. ckfËtf ePsf JolQmnfO{ ljQLo ;]jfdf ;xh kx'Fr ;'lglZrt ug{ :yfgLo txdf
lglZrt ;+Vof eGbf a9L zfvf /x]sf :yfgdf a}+s tyf ljQLo ;+:yfx?n] sDtLdf Ps
zfvf / Pl6Pd nfp~h ePsf :yfgdf Ps Pl6Pd ckfËd}qL agfpg'kg]{ Joj:yf
ul/g]5 .
173. a}+s tyf ljQLo ;+:yfsf sfd sf/jfxL ;DaGwL u'gf;f]sf] ;'g'jfO{ ;xh agfpg a}+s
tyf ljQLo ;+:yfn] o; a}+ssf] u'gf;f] kf]6{nsf] lnÍ cfkm\gf] j]a;fO6df /fVg' kg]{
Joj:yf ul/g]5 .
174. a}+s tyf ljQLo ;+:yfx?af6 sfof{Gjogdf NofOPsf shf{ k|jfx tyf u|fxs
klxrfg;Fu ;DalGwt sfuhftx?df Ps?ktf sfod ug{ cfjZos Joj:yf ldnfOg]
5.
175. ljQLo ;]jfsf] kx'Fr Go"g /x]sf s0ff{nL k|b]z / ;'b"/ klZrd k|b]zdf ljQLo kx'Fr
clej[l4 ug{] p2]Zon] k|fb]lzs ljQLo ;+:yfsf] pkl:yltsf] ;DaGwdf cfjZos
cWoog ul/g]5 .
176. ;DklQ z'4Ls/0f ;DaGwL /fli6«o hf]lvd d"NofÍg k|lta]bg (NRA, 2020) n]
cf}+NofPsf pRr hf]lvdsf If]qx?df lglxt hf]lvdsf] klxrfg, dfkg, d"NofÍg /
Joj:yfkg ug{ ;"rs ;+:yfsf] ljz]if cg'udg tyf ;'kl/j]If0f ul/g]5 .
cGTodf,
177. o; df}lb|s gLltsf] sfof{Gjogaf6 ;dli6ut cfly{s tyf ljQLo :yfloTj sfod eO{
cfly{s k'g?Tyfgdf ;3fp k'Ug] ljZjf; lnOPsf] 5 . ljQLo ;|f]t kl/rfngsf] bfo/f
km/flsnf] x'Fb} pknAw ljQLo ;fwg pTkfbg clej[l4, /f]huf/L l;h{gf, pBdzLntf /
lbuf] cfly{s ljsf; xfl;n ug]{tkm{ kl/nlIft eO{ pTkfbgzLn cy{tGq lgdf{0fdf
;d]t ;xof]u k'Ug] ljZjf; /x]sf] 5 . ljQLo If]q yk ;'b[9 x'Fb} ;'/lIft / ;an
e'QmfgL k|0ffnLdfkm{t\ ljB'tLo sf/f]jf/ k|j4{g x'g] ck]Iff /x]sf] 5 .
178. sf]le8–!( ;+qmd0fsf] lg/Gt/tfn] pTkGg u/]sf] clglZrttf aLr rfn' cfly{s jif{sf]
df}lb|s gLlt hf/L ul/Psf] 5 . cy{tGqdf ljsl;t ;dli6ut cfly{s tyf ljQLo
l:ylt cg'?k df}lb|s pkfo / lgofdsLo Joj:yfx?nfO{ ;do ;fk]If / ultzLn
-Dynamic_ agfpg df}lb|s gLltsf] q}dfl;s ;dLIff ul/g]5 .
179. k|:t't df}lb|s gLlt th'{dfsf] qmddf dxTjk"0f{ ;'emfj lbO{ ;xof]u k'¥ofpg' x'g] g]kfn
;/sf/, a}+s tyf ljQLo ;+:yf, Jofj;flos ;+3–;+:yf, ljåt\ ju{, cGt/f{li6«o ljsf;
;fem]bf/, ;~rf/ dfWod nufot ;a}df g]kfn /fi6« a}+s xflb{s cfef/ JoQm ub{5 .
df}lb|s gLltdf ePsf Joj:yfx?sf] sfof{Gjogdf ;bfem}+ ;a}sf] ;xof]u k|fKt x'g] o;
a}+ssf] ljZjf; /x]sf] 5 .
***
cg;"rL !
df}lb|s k|If]k0f
-?= s/f]8df_
@)&^ @)&& @)&* @)&( jflif{s kl/jt{g
df}lb|s of]ufÍ c;f/ c;f/ c;f/c c;f/k| @)&^÷&& @)&&÷&* @)&*÷&(
/sd k|ltzt /sd k|ltzt /sd k|ltzt
/1 28.7 /2 0.1 0.1
!= v'b j}b]lzs ;DklQ 98478.3 132834.9 133562.0 133662.0 28241.0 122.7 100.0
!=! j}b]lzs ;DklQ 107352.7 144992.8 145329.5 147121.2 37640.1 35.1 336.7 0.2 1791.7 1.2
!=@ j}b]lzs bfloTj 8874.3 12157.9 11767.5 13459.2 3283.5 37.0 -390.4 -3.2 1691.7 14.4
s= ljb]zL d'b|f lgIf]k 8449.0 10669.3 9179.5 10097.4 2220.3 26.3 -1489.9 -14.0 917.9 10.0
v= cGo j}b]lzs bfloTj 425.3 1488.5 2588.0 3361.8 1063.2 250.0 1099.5 73.9 773.8 29.9
/1 /2
@= v'b cfGtl/s ;DklQ 259735.5 290262.1 381923.3 474610.7 36642.3 14.1 92265.7 31.8 92687.4 24.3
@=! s'n cfGtl/s shf{ 333851.0 379261.9 481062.9 598389.1 45410.9 13.6 101801.1 26.8 117326.2 24.4
s= ;/sf/nfO{ uPsf] v'b shf{ 37554.6 46104.4 59293.0 96453.4 8549.8 22.8 13188.5 28.6 37160.5 62.7
c= ;/sf/dflysf] bfjL 44120.0 60221.6 78762.8 101453.4 16101.7 36.5 18541.1 30.8 22690.7 28.8
cf= ;/sf/L lgIf]k 6565.4 14117.2 19469.8 5000.0 7551.8 115.0 5352.6 37.9 -14469.8 -74.3
v= u}+/–ljQLo ;/sf/L ;+:yfx?nfO{ uPsf] shf{ 969.3 870.3 751.3 863.2 -99.1 -10.2 -119.0 -13.7 111.9 14.9
u= ljQLo ;+:yfx?nfO{ uPsf] shf{ 4299.5 4598.0 7063.2 8444.6 298.5 6.9 2465.2 53.6 1381.5 19.6
c= ;/sf/L 160.7 156.0 161.6 162.7 -4.7 -2.9 5.5 3.5 1.2 0.7
cf= u}/–;/sf/L 4138.8 4441.9 6901.6 8281.9 303.2 7.3 2459.7 55.4 1380.3 20.0
3= lghL If]qnfO{ uPsf] shf{ 291027.6 327689.2 413955.5 492627.9 36661.6 12.6 86266.3 26.3 78672.3 19.0
/1 /2
@=@ v'b cdf}lb|s bfloTj 74115.5 88999.8 99139.6 123778.5 8768.6 11.8 9535.4 10.7 24638.8 24.9
#= lj:t[t d'b|f k|bfo -Pd@_ 358213.8 423097.0 515485.3 608272.7 64883.2 18.1 92388.3 21.8 92787.4 18.0
#=! d'b|f k|bfo -s±v_, Pd!± 209375.8 236830.5 296426.5 346819.1 27454.6 13.1 59596.1 25.2 50392.5 17.0
s= d'b|f k|bfo -Pd!_ 72664.3 85626.1 104941.0 122781.0 12961.8 17.8 19314.9 22.6 17840.0 17.0
d'b|f 42320.4 49039.6 57197.2 66348.7 6719.2 15.9 8157.5 16.6 9151.5 16.0
rNtL lgIf]k 30343.8 36586.4 47743.8 56432.3 6242.6 20.6 11157.4 30.5 8688.4 18.2
v= art tyf sn lgIf]k 136711.6 151204.4 191485.5 224038.1 14492.8 10.6 40281.2 26.6 32552.5 17.0
#=@= cfjlws lgIf]k 148837.9 186266.5 219058.8 261453.6 37428.6 25.1 32792.3 17.6 42394.8 19.4
$= lj:t[t df}lb|s t/ntf -Pd#_ 366662.8 433766.3 524664.8 618370.1 67103.5 18.3 90898.5 21.0 93705.3 17.9
c – ckl/is[t
k| – k|If]lkt
1/ ljb]zL ljlgdo d"NofÍg gfkmf ?=^! ca{ !^ s/f]8 ;dfof]hg .
2/ ljb]zL ljlgdo d"NofÍg gfkmf ?=^ ca{ $ s/f]8 ;dfof]hg .
cg';"rL @
cfly{s jif{ @)&&÷&* sf] df}lb|s gLltsf] nIo / k|ult ljj/0f

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt
1. ^^ cfly{s jif{ @)&&÷&* df pkef]Qmf d'b|f:kmLlt cf};t & k|ltzt cfly{s jif{ @)&&÷&* df cf};t pkef]Qmf d'b|f:kmLlt #=^
leq ;Lldt x'g]u/L df}lb|s Joj:yfkg ul/g] . k|ltzt /x]sf] .
2. ^& cfly{s jif{ @)&&÷&* df slDtdf & dlxgfsf] j:t' tyf ;]jf @)&* c;f/ d;fGtdf ljb]zL ljlgdo ;l~rlt ?= !#(( ca{
cfoft wfGg kof{Kt ljb]zL ljlgdo ;l~rlt sfod x'g]u/L afXo # s/f]8 sfod /x]sf] . pQm ;l~rlt !)=@ dlxgfsf] j:t' tyf
If]q Joj:yfkg ul/g] . ;]jf cfoft wfGg kof{Kt /x]sf] .
3. ^* cfly{s k'g?TyfgnfO{ k|fyldstf lbFb}] cfly{s j[l4sf] nIo xfl;n ljleGg k|sf/sf lgofdsLo Joj:yfaf6 C0fLnfO{ 5'6 k|bfg
ug{ ;xof]u k'Ug] u/L t/ntf Joj:yfkg ul/g] . ug'{sf] ;fy} k'g/shf{, ;x'lnotk"0f{ shf{, Joj;fo lg/Gt/tf
shf{ sfo{qmdx?af6 shf{df ;xhLs/0f ul/Psf] tyf Jofhb/
36fpg] pkfox? cjnDag u/L cfly{s lqmofsnfk clej[l4
k|f]T;flxt ul/Psf]] . shf{sf] Aofhb/ Psn c+sdf em/]sf] .
4. ^( cfly{s jif{ @)&&÷&* df lj:t[t d'b|f k|bfosf] lj:tf/ !* k|ltzt cfly{s jif{ @)&&÷&* df lj:t[t d'b|fk|bfo @!=* k|ltztn] /
/ lghL If]qtkm{sf] shf{ lj:tf/ @) k|ltztdf ;Lldt ul/g] . df}lb|s If]qsf] lghL If]qdflysf] bfaL @^=# k|ltztn] j[l4
ePsf] .
5. &) jfl0fHo a}+s, ljsf; j}+s / ljQ sDkgLx?sf] efl/t cf};t a}+s tyf ljQLo ;+:yfx?aLrsf] efl/t cf};t cGt/a}+s b/nfO{
cGt/a}+s b/nfO{ df}lb|s gLltsf] ;~rfng nIosf] ?kdf lnOg] . df}lb|s gLltsf] ;~rfng nIosf] ?kdf lng yflnPsf] .
@)&* c;f/ dlxgfdf o:tf] cGt/a}+s b/ $=!$ k|ltzt
sfod ePsf] .

6. &! Aofhb/ sl/8f]/sf] dflyNnf] ;Ldfsf] ?kdf /x]sf] :yfoL t/ntf Aofhb/ sf]l/8f]/ ;DaGwL sfo{ljlw @)&^, -k|yd ;+zf]wg,
;'ljwf b/ % k|ltztdf oyfjt\ sfod ul/g] . sl/8f]/sf] tNnf] @)&&_ ldlt @)&&÷)$÷!! ut] hf/L u/L sfof{Gjog
;Ldfsf] ?kdf /x]sf] lgIf]k ;+sng b/nfO{ @ k|ltztaf6 36fO{ ! eO/x]sf] .
k|ltzt / gLltut b/sf] ?kdf /x]sf] l/kf]b/nfO{ #=% k|ltztaf6
36fO{ # k|ltzt sfod ul/g] .
7. &@ cfly{s k'g?Tyfgsf nflu cfjZos yk t/ntf pknAw u/fpg v'nf ahf/ ljlgofjnL, @)&! df cfjZostf cg';f/ nfdf]
cfjZostf cg';f/ nfdf] cjlwsf] l/kf] ;'ljwf pknAw u/fOg] . cjlwsf] l/kf] ;'ljwf pknAw u/fOg]] ljifo ;d]t ;dfj]z u/L
;+zf]wgsf] d:of}bf 5nkmnsf] qmddf /x]sf] .
8. && s[lif pTkfbgdf cfTdlge{/ xF'b} vfB ;'/Iff sfod ug{ / ax';+Vos ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
g]kfnLsf] cfo cfh{g tyf /f]huf/Lsf] cfwf/sf] ?kdf /x]sf] s[lif @)&* c;f/ d;fGtdf jfl0fHo a}+sx?af6 cfˆgf] s'n shf{
If]qsf] ljsf;sf nflu jfl0fHo a}+sn] @)*) c;f/ d;fGt;Dd s'n ;fk6sf] !#=@ k|ltzt s[lif If]qdf nufgLdf /x]sf] .
shf{ nufgLsf] Go"gtd !% k|ltzt s[lif If]qdf k|jfx ug'{kg]{
Joj:yf ul/g] . ;fy}, s[lif shf{ u0fgf ljlwdf kl/dfh{g ul/g] . u}/–:ynut tyf :ynut lg/LIf0fsf] dfWodjf6 cg'udg
eO/x]sf] .
9. &* kmnk"mndf cfTdlge{/ x'g ;xof]u k'¥ofpg] u/L Jofj;flos ?kdf ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
ul/g] cfFk, ;'Gtnf, h'gf/, df};d, lsjL, 8«ofug k|m'6, sfutL,
lnlr, Pef]sf8f] nufotsf kmnk"mn v]tLsf] nflu lnPsf] shf{df
klxnf] jif{ )=@ k|ltzt / bf];|f] jif{ )=^ k|ltzt dfq shf{
gf]S;fgL Joj:yf sfod u/] k'Ug] Joj:yf ldnfOg] .
10. &( /]zd, h'6, skf; nufotsf s[lif v]tLsf] ljsf; u/L pBf]u;Fu ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
cu| ;DaGw / k[i7 ;DaGw :yflkt ug]{ s[lif pTkfbg clej[l4
ug]{tkm{ shf{ k|jfxnfO{ k|f]T;flxt ug{ shf{ gf]S;fgL Joj:yfdf
nrstf ckgfOg] .

11. *) hUuf PsLs/0f jf s/f/ dfkm{t Jofj;flos s[lif, pBf]u / cGo ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
Joj:ffo ;~rfngdf shf{ k|jfx ;xhLs/0f ug{] p2]Zon] lnh
;DklQ ;'/If0f ;DaGwL gLltut Joj:yf ul/g] .
12. *! s[lif ljsf; a}+snfO{ s[lif If]qsf] cu'jf a}+s (Lead Bank) sf] ?kdf ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
ljsf; ul/g] . s[lif If]qdf bL3{sfnLg ;fwgsf] pknAwtf ;xh xfn;Dd s[lif ljsf; a}+snfO{ tLg r/0fdf ?= !* cj{sf] s[lif
agfpg ;f] a}+sn] s[lif C0fkq (Agricultural Bond) hf/L ug{;Sg] C0fkq $ k|ltzt Aofhb/df hf/L ug{ :jLs[tL k|bfg
Joj:yf ldnfOg] .
ul/Psf]df ?= !@ ca{sf] C0fkq hf/L ePsf] .
13. *@ a}+s tyf ljQLo ;+:yfx?n] Ps cfk;df ub}{ cfPsf] s[lif shf{ ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
vl/b÷laqmL (credit swap) sf] Joj:yfnfO{ yk ;/nLs/0f ul/g] .
14. *# s[ifsnfO{ ljQLo ;fwgsf] ;fy} s[lif ;"rgf tyf hfgsf/L pknAw s[lif ljsf; a}+saf6 ls;fg qm]l86 sf8{ hf/L ePsf]] . ;fy},
u/fpg s[lif ljsf; a}+sdfkm{t æls;fg qm]l86 sf8{Æ sf] Joj:yf cGo jfl0fHo a}+sx?af6 ;d]t o:tf] Joj:yf sfof{Gjogdf
ul/g] . cfPsf] .
15. *$ s[lif ljsf; a}+ssf tflnd s]Gb|dfkm{t s[lif tflnd lj:tf/ ug{ ;/f]sf/jfnf kIf;Fu ;dGjo ul/Psf] t/ sf]le8–!( sf] sf/0f
cfjZos ;+:yfut Pjd\ ;+/rgfut Joj:yf ldnfOg] . sfof{Gjogdf sl7gfO{ ePsf] .
16. *% phf{ cfTdlge{/tf k|j4{g ug{ tyf g]kfn ;/sf/n] kGw|f}+ of]hgf ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
cjlwdf /fv]sf] % xhf/ d]ufjf6 hnljB't\ pTkfbgsf] nIonfO{
;xof]u k'¥ofpg jfl0fHo a}+sx?n] @)*! c;f/ d;fGt;Dd cfˆgf] @)&* c;f/ d;fGtdf jfl0fHo a}+sx?af6 cfˆgf] s'n shf{
s'n shf{ nufgLsf] Go"gtd !) k|ltzt phf{ If]qdf nufgL ug'{kg]{ ;fk6sf] ^=) k|ltzt shf{ phf{ If]qdf nufgL /x]sf] .
Joj:yf ldnfOg] . u}/–:ynut tyf :ynut lg/LIf0fsf] dfWodjf6 cg'udg tyf
d"NofÍg eO/x]sf] .
17. *^ phf{ If]qdf nufgLsf] cg'ej xfl;n u/]sf jfl0fHo a}+sx?n] phf{ ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
C0fkq (Energy Bond) hf/L ug{;Sg] Joj:yf ldnfOg] . o;
Joj:yfaf6 phf{ If]qdf bL3{sfnLg ;fwgsf] pknAwtf ;xh x'g'sf o; cjlwdf ?= ! cj{ %) s/f]8sf] phf{ C0fkq hf/L ug{

;fy} phf{ If]qdf shf{ k|jfx Go"g ePsf a}+s tyf ljQLo :jLs[tL k|bfg ul/Psf] .
;+:yfx?nfO{ phf{ C0fkqdf nufgL dfkm{t Go"gtd shf{ cg'kft
sfod ug{ ;xof]u k'Ug] .
18. *& ljB't\ cfof]hgf lgdf{0f u/L ljB't\ lgof{t ug{ z'? u/]df lgof{t z'? ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
u/]sf] % jif{;Dd a}+s tyf ljQLo ;+:yfn] pQm kl/of]hgfnfO{
cfwf/ b/df ! k|ltzt laGb'n] dfq yk u/L shf{ k|fKt x'g ;Sg]
Joj:yf ldnfOg] .
19. ** hnfzoo'Qm hnljB't\ cfof]hgfdf nufgL k|f]T;flxt ug]{ p2]Zon] ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
To:tf cfof]hgfnfO{ cfwf/ b/df ! k|ltzt laGb'n] dfq yk u/L
shf{ k|fKt x'g ;Sg] Joj:yf ldnfOg] .
20. *( hnljB't\ cfof]hgf ;DkGg eO{ pTkfbg k|f/De u/]tf klg k|;f/0f ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
nfO{g lgdf{0f gePsf] sf/0f k"0f{ Ifdtfdf ;~rfng x'g g;s]sf
cfof]hgfsf] xsdf k|;f/0f nfOg lgdf{0f eO{ ;~rfngdf u}/–:ynut tyf :ynut lg/LIf0fsf] dfWodjf6 cg'udg tyf
gcfpFbf;Ddsf] nflu Aofh /sd cf+lzs ?kdf k'FhLs/0f ug{ o; d"NofÍg eO/x]sf] .
a}+ssf] :jLs[lt lng' gkg]{ Joj:yf ldnfOg] .
21. (@ jfl0fHo a}+sx?n] @)*! c;f/ d;fGt;Dd n3', ;fgf Pjd\ demf}nf ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
pBdsf If]qdf ?= ! s/f]8 eGbf sd /sdsf shf{x? cfˆgf] s'n @)&* c;f/ d;fGt;Dd jfl0fHo a}+sx?sf] s'n shf{ ;fk6sf]
shf{ nufgLsf] Go"gtd !% k|ltzt x'g] u/L k|jfx ug'{ kg]{ Joj:yf !)=! k|ltzt shf{ n3', ;fgf Pjd\ demf}nf pBdsf If]qdf
ldnfOg] . nufgL /x]sf] .
u}/–:ynut tyf :ynut lg/LIf0fsf] dfWodjf6 cg'udg

eO/x]sf] .
22. (# sf]le8–!( k|sf]ksf] sf/0f cy{tGqdf k/]sf] c;/nfO{ dWogh/ ;x'lnotk"0f{ shf{sf nflu Aofh cg'bfg ;DaGwL PsLs[t
/fVb} pTkfbg clej[l4, /f]huf/L l;h{gf / pBdlzntf ljsf;sf sfo{lalw, @)&% sf] t];|f] ;+zf]wg hf/L ul/Psf] .
nflu ljBdfg ;x'lnotk"0f{ shf{ sfo{qmd ;/n ?kdf sfof{Gjog dlxnf pBdzLn shf{ k|fKt ug]{ C0fLnfO{ ^ k|ltzt / cGo

x'g] Joj:yf ldnfOg] . a}+s tyf ljQLo ;+:yfaf6 tf]lsPsf If]qdf ;x'lnotk"0f{ shf{ k|fKt ug]{ C0fLnfO{ % k|ltzt Aofh cg'bfg
o:tf] shf{ C0fLnfO{ % k|ltzt Aofhb/df pknAw x'g] . pknAw u/fpg] Joj:yf ul/Psf] .
23. ($ ;x'lnotk"0f{ shf{ k|jfxdf k|b]zut ;Gt'ng sfod ug'{sf ;fy} ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
nlIft If]q / ju{df shf{df kx'Fr ;'lglZrt ug{] p2]Zon] jfl0fHo
a}+sn] sDtLdf %)) jf Go"gtd k|ltzfvf !) / /fli6«o :t/sf @)&* c;f/ d;fGtdf ! nfv $ xhf/ ! ;o ( C0fLnfO{
ljsf; a}sn] sDtLdf #)) jf Go"gtd k|lt zfvf % dWo] h'g a9L ;x'lnotk"0f{ shf{ k|jfx eO{ ?=! va{ ^! ca{ $$ s/f]8 shf{
x'G5 ;f]xL ;+Vofdf shf{ k|jfx ug'{kg]{ Joj:yf ul/g] . nufgLdf /x]sf] .
24. (% ljsf; a+}sn] cfˆgf] s'n shf{ nufgLsf] Go"gtd @) k|ltzt / ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
ljQ sDkgLx?n] Go"gtd !% k|ltzt shf{ s[lif, n3', 3/]n' tyf
;fgf pBd, phf{ / ko{6g nufot tf]lsPsf If]qdf @)*! c;f/ @)&* c;f/ d;fGtdf ljsf; a+}sx?n] cfˆgf] s'n shf{
d;fGt;Dddf k|jfx ug'{kg]{ Joj:yf ul/g] . nufgLsf] @#=( k|ltzt / ljQ sDkgLx?n] cfˆgf] s'n shf{
nufgLsf] !^=% k|ltzt shf{ s[lif, n3', 3/]n' tyf ;fgf pBd,
phf{ / ko{6g If]qdf nufgL u/]sf] .
25. (^ zx/L ljsf; / Jojl:yt a;f]af; k|f]T;flxt ug]{ p2]Zon] cg'dlt ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
k|fKt 3/–hUuf Joj;foLaf6 ;~rfng ul/g] g]kfn ;/sf/af6
:jLs[lt k|fKt lgdf{0ffwLg cfjf; cfof]hgfsf] nflu / JolQmnfO{ :ynut lg/LIf0fsf] qmddf lgoldt ?kdf cg'udg eO/x]sf] .
klxnf] 3/ lgdf{0fsf nflu k|jfx ul/g] lghL cfjf;Lo cfjf; shf{
(Personal Residential Home Loan) sf] xsdf shf{ ;'/If0fd"No
cg'kftsf] ;Ldf ^) k|ltzt sfod ul/g] .
26. (& 3/ hUuf tyf l/on :6]6 If]qdf k|jfx x'g] shf{sf] ;DaGwdf shf{ ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
;'/If0f d"No cg'kft sf7df8f}+ pkTosf leqsf] nflu $) k|ltzt /
cGo :yfgsf] xsdf %) k|ltzt sfod ug'{kg]{ ljBdfg Joj:YffnfO{ u}/–:ynut tyf :ynut lg/LIf0fsf] dfWodjf6 cg'udg
oyfjt\ sfod ul/Psf] . eO/x]sf] .

27. (* z]o/ lwtf] /fvL k|bfg x'g] dflh{g k|s[ltsf] shf{sf] nflu shf{ ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
;'/If0f d"No cg'kft ljBdfg ^% k|ltztaf6 a9fO{ ;DalGwt @)&* c;f/ d;fGtdf a}+s tyf ljQLo ;+:yfaf6 k|jfx ePsf]
ljQLo ;+:yfn] d"NofÍg u/L &) Kf|ltzt;Dd k|bfg ug{ ;Sg] s'n shf{df dflh{g k|s[ltsf] shf{sf] c+z @=% k|ltzt /x]sf] .
Joj:yf ldnfOg] .
u}/–:ynut tyf :ynut lg/LIf0fsf] dfWodjf6 cg'udg
eO/x]sf] .
28. (( z]o/ lwtf]df k|bfg x'g] dflh{g k|s[ltsf] shf{ k|jfxdf z]o/sf] ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
d"NofÍg ubf{ ljBdfg !*) lbgsf] clGtd d"Nosf] cf};t d"No jf
z]o/sf] k|rlnt ahf/ d"NodWo] h'g sd 5 To;}sf] cfwf/df u}/–:ynut tyf :ynut lg/LIf0fsf] dfWodjf6 cg'udg tyf
ug'k{ g]{ Joj:yfnfO{ kl/jt{g u/L !@) lbg sfod ul/Psf] . d"NofÍg eO/x]sf] .
29. !)) sf]le8–!( af6 k|efljt k]zf, pBd / Joj;fosf] shf{df kx'Fr ldlt @)&&÷)$÷)^ df k'g/shf{ sfo{ljlw, @)&& hf/L
clej[l4 ub}{ cfly{s lqmofsnfk lj:tf/sf nflu ;x'lnot ul/Psf] .
Aofhb/df shf{ pknAw u/fpg / b]zsf b'Uf{d:yfg;Dd shf{
;'ljwf ;xh ug]{ p2]Zon] k'g/shf{ ;DaGwL ljBdfg Joj:yfdf :jLs[t sfo{ljlw adf]lhd cfly{s jif{ @)&&÷&* df Psd'i6
kl/dfh{g ub}{ pknAw sf]ifsf] % u'0ff;Dd k'g/shf{ pknAw u/fpg]
k|bfg ul/g] k'g/shf{ $*,%%) C0fLx?nfO{ ?=!)@ ca{ ^!
Joj:yf ul/Psf] . s/f]8 tyf u|fxs C0fL cg';f/ k|bfg ul/g] k'g/shf{ #$)
C0fLnfO{ ?=$^ ca{ !$ s/f]8 u/L s'n ?= ! va{ $* ca{ &%
s/f]8 :jLs[t ul/Psf]df ?=! va{ @@ ca{ &) s/f]8 k'g/shf{
nufgLdf /x]sf] .
30. !)$ sf]le8–!( af6 clt k|efljt pBf]u–Joj;fo ;'rf? ug{ ;xhLs/0f ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
ug]{ p2]Zon] C0fLsf] cfjZostf / kl/of]hgf÷Joj;fosf]
;DefJotfsf] cfwf/df @)&^ r}tdf sfod ePsf] rfn' k'FhL :ynut lg/LIf0fsf] qmddf lgoldt ?kdf cg'udg eO/x]sf]] .
shf{{sf] ;Ldfdf a9Ldf @) k|ltzt;Dd ;DalGwt a}+s tyf ljQLo
;+:yfn] yk shf{ k|jfx ug{ ;Sg] Joj:yf ldnfOg] .

31. !)% cfly{s jif{ @)&&÷&* sf] g]kfn ;/sf/sf]] ah]6df Joj:yf eP @)&&÷)*÷)( df Joj;fo lg/Gt/tf shf{ k|jfx sfo{ljlw,
adf]lhd :yfkgf x'g] ?= %) ca{sf] sf]if kl/rfngdfkm{t lglZrt @)&& hf/L ePsf] .
dfkb08sf] cfwf/df sf]/f]gf k|efljt ko{6g / 3/]n', ;fgf tyf
demf}nf pBd nufotsf Joj;fosf] ;~rfng Pj+d\ lg/Gt/tf, tL @)&* c;f/ d;fGt;Dd ?= (% s/f]8 ^& nfv shf{ :jLs[t
If]qsf >lds tyf sd{rf/Lsf] kfl/>lds e'QmfgL / clt k|efljt eO{ ?= &# s/f]8 ^* nfv nufgLdf /x]sf] ePsf] .
If]qsf /f]huf/L u'Dg]x?nfO{ pBdlzntf ljsf;sf] cj;/ lbg a}+s
tyf ljQLo ;+:yfx?af6 % k|ltzt Aofhdf shf{ pknAw u/fpg]
Joj:yf ldnfOg] .
32. !)& @)&& c;f/ dlxgf;Dd e'QmfgL cjlw ePsf l8df08 nf]g, Sof; ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
q]ml86 nufotsf cNksfnLg k|s[ltsf rfn' kF"hL shf{x?nfO{ a}+s
tyf ljQLo ;+:yfn] C0fLsf] cj:yf ljZn]if0f u/L @)&& k'; :ynut lg/LIf0fsf] qmddf lgoldt ?kdf cg'udg ug]{
d;fGt;Dd e'QmfgL ug{ ;lsg] u/L gjLs/0f ug{ ;Sg] Joj:yf ul/Psf] .
ldnfOg] .
33. !)* sf]le8–!( af6 sd dfqfdf k|efljt ePsf] k]zf÷Joj;fodf k|jfx ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
ePsf shf{sf] @)&& c;f/ d;fGt;Ddsf] ;fFjfsf] ls:tf / Aofh sf]le8–!( af6 Go"g k|efljt ljleGg k]zf, pBf]u /
/sdnfO{ @)&& k'; d;fGt;Dddf e'QmfgL ug{ ;Sg] Joj:yf Joj;fosf &,^** C0fLsf] ?= #) ca{ # s/f]8 shf{sf]
ldnfOg] . e'QmfgL cjlw @)&& k'; d;fGt;Dd -^ dlxgf_ yk ePsf] .
:ynut lg/LIf0fsf] qmddf lgoldt ?kdf cg'udg ug]{
u/]sf] .
34. !)( sf]le8–!( af6 dWod ?kdf k|efljt k]zf÷Joj;fodf k|jfx ePsf ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
shf{sf] @)&& c;f/ d;fGt;Dd e'QmfgL x''g'kg]{] ;fFjfsf] ls:tf / sf]le8–!( af6 dWod k|efljt &,**& C0fLsf] ?= @* ca{
Aofh /sdnfO{ @)&& r}t d;fGt;Dddf e'QmfgL ug{ ;Sg] Joj:yf @& s/f]8 shf{sf] e'QmfgL cjlw @)&& r}t d;fGt;Dd -(
ldnfOg] . dlxgf_ yk ePsf] .
35. !!) sf]le8–!( af6 clt k|efljt k]zf÷Joj;fodf k|jfx ePsf shf{sf] ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
@)&& c;f/ d;fGt;Dd e'QmfgL x''g'kg]{] ;fFjfsf] ls:tf / Aofh sf]le8–!( af6 cltk|efljt $,)!@ C0fLsf] ?= !$ ca{ $&

/sdnfO{ @)&* c;f/ d;fGt;Dddf e'QmfgL ug{ ;Sg] Joj:yf s/f]8 shf{sf] e'QmfgL cjlw @)&* c;f/ d;fGt;Dd -! jif{_
ldnfOg] . yk ePsf] .
:ynut lg/LIf0fsf] qmddf lgoldt ?kdf cg'udg ug]{
ul/Psf] .
36. !!) sf]le8–!( sf] sf/0f k'g:yf{lkt x'g ;do nfUg] ko{6g If]q ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
nufotsf clt k|efljt pBf]u Joj:ffodf /x]sf] shf{ e'QmfgLsf sf]le8–!( af6 clt k|efljt ko{6g nufot tf]lsPsf If]qsf
nflu cfjZostf cg';f/ yk ;do k|bfg ug{ ;Sg] Joj:yf !(( C0fLsf] ?= @) ca{ *^ s/f]8 shf{sf] e'QmfgL cjlw @
ldnfOg] . jif{sf] nflu yk ePsf] .
37. !!! @)&^ k'; d;fGtdf ;lqmo ju{df /x]sf shf{nfO{ C0fLn] @)&& ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
k'; d;fGtleq lnlvt sfo{ of]hgf k]z u/]df a}+s tyf ljQLo sf]le8–!( af6 cltk|efljt If]qsf @!,^!& pBdL Joj;foLsf]
;+:yfn] ;f] sf] ljZn]if0f u/L Go"gtd !) k|ltzt Aofh c;'n pk/ ?= !@( ca{ @! s/f]8 shf{ k'g/;+/rgf tyf k'g/tflnsLs/0f
u/L Ps k6ssf] nflu shf{ k'g/;+/rgf tyf k'g/tflnsLs/0f ug{ ul/Psf] .
;Sg] Joj:yf ldnfOg] . :ynut lg/LIf0fsf] qmddf lgoldt ?kdf lg/LIf0f ubf{
cg'udg ug]{ ul/Psf] .
38. !!# lgdf{0ffwLg k"jf{wf/ cfof]hgfdf k|jflxt shf{sf] u|]; cjlwdf kfs]sf] ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
Aofh k'FhLs/0f ug{ o; a}+saf6 k"j{ :jLs[lt kfO;s]sf shf{sf] xsdf
@)&& k'; d;fGt;Dd k'FhLs/0f ug{ ;lsg] Joj:yf ldnfOg] .
39. !!$ sf]le8–!( sf] sf/0f u|]; cjlw leq pBf]u jf kl/of]hgfsf] lgdf{0f ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
;DkGg÷;+rfng x'g g;s]sf] cj:yfdf ko{6s :t/Lo xf]6nsf]
xsdf clwstd @ jif{, clt k|efljt If]qdf k|jflxt shf{sf] xsdf sf]le8–!( Go"g Kf|efljt !&$ C0fLsf] ?= # ca{ (% s/f]8
! jif{, dWod k|efljt If]qdf k|jflxt shf{sf] xsdf ( dlxgf / shf{ @)&& k'; d;fGt;Dd -^ dlxgf_, dWod k|efljt #@!
Go"g k|efljt If]qdf k|jflxt shf{sf] xsdf ^ dlxgf;Ddsf nflu C0fLsf] ?= !* ca{ $! s/f]8 shf{ @)&& r}t d;fGt;Dd -(
Ps k6s u|]; cjlw yk ug{ ;lsg] Joj:yf ldnfOg] . dlxgf_ / clt k|efljt $(* C0fLsf] ?= @( ca{ ^# s/f]8
shf{ @)&* c;f/ d;fGt;Dd -! jif{_ u]|; cjlw yk
ul/Psf] .

40. !!% @)&& c;f/ d;fGt;Dd c;'n x'g g;s]sf] n3'ljQ ljQLo ldlt @)&&÷)$÷!# df kl/kq hf/L ul/Psf] .
;+:yfaf6 k|jflxt shf{sf] ls:tf C0fLsf] cfjZostf / Joj;fo
;'rf? x'g nfUg] ;do d'NofÍg u/L a9Ldf ^ dlxgf;Dd efvf ;fg{
;Sg] Joj:yf ldnfOg] .
41. !!& @)&* c;f/;Dddf afl0fHo a}+sx?n] Ps cfk;df ufEg]÷ufleg] ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
gLltut Joj:yf cg'?k ;+o'Qm sf/f]af/ ;~rfng u/]df ;+o'Qm
sf/f]af/ z'? u/]sf] ldltaf6 ;fljssf] ;'ljwfsf cltl/Qm @)&(
c;f/;Ddsf nflu b]xfo adf]lhdsf yk ;'ljwf k|bfg ul/g] .
-s_ clgjfo{ gub cg'kftdf )=% k|ltzt / j}wflgs t/ntf
cg'kftdf ! k|ltzt laGb'n] 5'6 lbOg]] .
-v_ o; a}+saf6 tf]lsPsf] ;+:yfut d'2tL lgIf]k ;+sng :fLdfdf
!) k|ltzt ljGb'n] yk ul/g] .
-u_ o; a}+saf6 tf]lsPsf] k|lt ;+:yf lgIf]k ;+sng :fLdfdf %
k|ltzt ljGb'n] yk ul/g] .
-3_ ;+~rfns ;ldltsf ;b:o / pRr kb:y sd{rf/L kbaf6
x6]sf] sDtLdf ^ dlxgf JotLt geO{ o; a}saf6 Ohfht
k|fKt cGo ;+:yfdf cfj4 x'g gkfpg] ljBdfg k|fjwfg nfu"
gx'g] .
;fy}, ;+:yfut lgIf]kstf{x?n] /fVg] a}+s cg';f/sf] lgIf]ksf]
;Ldf ;dfof]hg ug{ ;DalGwt ;+:yfx?;Fu ;dGjo ul/g] .
42. !@) ljQLo If]q;FUf ;DalGwt sfg"gx?nfO{ cfjZostf cg';f/ a}lsË s;'/ P]g, @)^$ / ljlgd]o clwsf/ kq P]g, @)#$ sf]
;d;fdlos agfpg a}lsË s;'/ P]g, @)^$ / ljlgd]o clwsf/ kq ;+zf]wg d:of}bf k|:tfj g]kfn ;/sf/ ;dIf k]z ePsf] .
P]g, @)#$ sf] ;+zf]wg k|:tfj g]kfn ;/sf/ ;dIf k]z ul/g] .

43. !@! sf]le8–!( ;+qmd0fsf sf/0f k|efljt cy{tGq k'g?Tyfg ug{ a}+s ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
tyf ljQLo ;+:yfx?sf] ;fwg k|jfx clej[l4 ug{ shf{ ;|f]t
kl/rfng cg'kft (CCD Ratio) sf] ;Ldf @)&* c;f/ u}/–:ynut ?kdf lgoldt cg'udg eO/x]sf] .
d;fGt;Ddsf] nflu *) k|ltztaf6 a9fO{ *% k|ltzt sfod
ul/g] . shf{ ;|f]t kl/rfng cg'kft u0fgf ubf{ o; eGbf klxn] ug]{ @)&* c;f/ d;fGtdf a}+s tyf ljQLo ;+:yfsf] cf};t shf{
ul/Psf ;j} k|sf/sf ;dfof]hgx? vf/]h ul/g] . ;|f]t kl/rfng cg'kft (CCD Ratio) &^=#@ k|ltzt /x]sf] .
44. !@@ o; a}+saf6 Ohfhtkq k|fKt ;a} a}+s tyf ljQLo ;+:yfx?n] cfly{s ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
jif{ @)&^÷&& sf] v'b ljt/0fof]Uo d'gfkmfsf] #) k|ltzt;Dd -pQm
;+:yfsf] @)&& c;f/ d;fGtdf sfod lgIf]ksf] efl/t cf};t Aofhb/ cf=j= @)&^÷&& sf] ljt/0f of]Uo d'gfkmfdf o; eGbf
eGbf a9L gx'g] u/L_ dfq gub nfef+; 3f]if0ff tyf ljt/0f ug{ kfpg] cl3Nnf jif{x?jf6 ;+lrt /x]sf] ljt/0fof]Uo d'gfkmfnfO{
Joj:yf ul/g]5 . t/ s'n r'Qmf k'FhLsf] % k|ltzt eGbf sd v'b ;dfj]z u/L x'g cfpg] /sdsf] #) k|ltzt gub nfef+z
ljt/0fof]Uo d'gfkmf ePsf Ohfhtkq k|fKt ;+:yfsf] gub nfef+; :jLs[t ul/Psf] .
ljt/0fdf /f]s nufOg] .
45. !@# Ohfht k|fKt ;+:yfn] C0fLaf6 cfly{s jif{ ;dfKt ePsf] !% lbg leq ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
gubdf c;'n ePsf] Aofh /sdnfO{ lgofdsLo sf]ifdf ;fg'{ gkg]{
Joj:yf /x]sf]df o:tf] cjlw cfly{s jif{ @)&^÷&& sf] nflu () lbg
sfod ul/g] .
46. !@$ jfl0fHo a}+sx?n] @)&& c;f/;Dd cfˆgf] r'Qmf k'FhLsf] sDtLdf @% ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
k|ltzt C0fkq hf/L ul/;Sg' kg]{ ;dofjlw @)&( c;f/ d;fGt cfly{s jif{ @)&&÷&* df !^ jfl0fHo a}+s, $ ljsf; a}+s / !
sfod ul/g]] . ljQ sDkgL u/L @! j}s tyf ljQLo ;+:yfn] ?= ^( ca{ ^)
s/f]8sf] C0fkq lgisfzg ug{ g]kfn lwtf]kq af]8{af6 :jLs[lt
k|fKt u/]sf] .
47. !@% a}+s tyf ljQLo ;+:yfx?n] ;j{;fwf/0fsf] ;'g lgIf]ksf] ?kdf :jLsf/ ;DalGwt lgsfox?;Fu ;dGjo ul/Psf] .
ug{ ;Sg] Joj:yfsf] sfof{Gjog ug{ ;'gsf] z'4tf dfkg ug{] nufotsf
Joj:yfsf] nflu ;DalGwt lgsfox?;Fu ;dGjo ul/g] .

48. !@^ ljBdfg k'FhLsf]if kof{Kttf ;DaGwL Joj:yfnfO{ yk kl/is[t agfpFb} ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
n}hfg] clek|fon] Ohfht k|fKt qm]l86 /]l6Ë Ph]G;Laf6 ul/Psf]
/]l6Ësf]] cfwf/df ;d]t shf{sf] hf]lvd ef/ lgwf{/0f ug]{ Joj:yf
ldnfOg] .
49. !@& k"jf{wf/ lgdf{0f;Fu ;DalGwt kl/of]hgfdf k|jflxt shf{sf nflu ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
ljBdfg shf{ gf]S;fgL tyf hf]lvd ef/ lgwf{/0f ;DaGwL Joj:yf
nlrnf] agfOg] .
50. !@* sf]le8–!( af6 k|efljt pBf]u k]zf Joj;fonfO{ cfjZos yk -s_ ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
ljQLo ;'ljwf pknAw u/fpg] clek|fon] ljQLo :yfloTjdf c;/ -v_ ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
gkg]{ u/L ljBdfg k'FhLsf]if kof{Kttf ;DaGwL Joj:yfdf @)&* -u_ sfof{Gjog ug{ afFsL /x]sf] .
c;f/ d;fGt;Ddsf] nflu b]xfo adf]lhd yk nrstf ckgfOg] . -3_ ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
-s_ Countercyclical Buffer sf] Joj:yf :yug ul/Psf] . jflif{s ;fwf/0f ;efsf] k|of]hgsf nflu ljQLo ljj/0f k|sfzg
-v_ ;~rfng hf]lvd, ahf/ hf]lvd / ;du| hf]lvdsf]nflu ug{ :jLs[lt k|bfg ug]{ ;dodf tyf :ynut lg/LIf0fsf]
;'k/Lj]IfsLo ?kdf /fVg] ul/Psf] ljBdfg clwstd yk qmddf lgoldt ?kdf cg'udg eO/x]sf] .
hf]lvd ef/ % k|ltzt, # k|ltzt / % k|ltztaf6 36fO{
qmdzM # k|ltzt, ! k|ltzt / # k|ltzt sfod ul/g] .
-u_ Private Equity, Debt Equity Conversion, Special Purpose
Vehicle df ul/Psf] a}+s tyf ljQLo ;+:yfsf] nufgLnfO{
k'FhLsf]if u0fgf ubf{ 36fpg' gkg]{ Joj:yf ldnfOg] .
-3_ jf;nft jflx/sf sf/f]af/df tf]lsPsf] hf]lvdef/
k'g/fjnf]sg ul/g] .

51. !@( @)&^ k'; d;fGtdf c;n ju{df /x]sf shf{nfO{ @)&& c;f/ ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
d;fGtdf ;d]t c;n ju{df g} juL{s/0f ug{ ;lsg] . o;/L c;n
ju{df /x]tfklg @)&& c;f/ d;fGt;Ddsf] ;fFjf / Aofh c;'n x'g jflif{s ;fwf/0f ;efsf] k|of]hgsf nflu ljQLo ljj/0f k|sfzg
g;s]sf] cj:yfdf To:tf shf{sf] nflu cfly{s jif{ @)&^÷&& sf] ug{ :jLs[lt k|bfg ug]{ ;dodf tyf :ynut lg/LIf0fsf]
lx;fadf % k|ltzt shf{ gf]S;fgL Joj:yf sfod ug'{ kg]{ . qmddf cg'udg eO/x]sf] .
52. !#) a}+s tyf ljQLo ;+:yfsf] Stress Testing ;DaGwL dfu{bz{g kl/dfh{g Stress Testing sf] dfub{zg kl/dfh{gsf nflu z'Id tyf
u/L cGt/f{li6«o dfkb08 cg'?ksf] agfOg] . ;dli6ut r/x?sf]] cfwf/df bafj kl/If0f ug{ ljleGg Shocks
scenario x? tof/ u/L dfu{bz{g d:of}bf tof/ ePsf] .
53. !#! jfl0fHo a}+sx?n] lgIf]k kl/rfng / shf{ k|jfx ;lxtsf] jflif{s ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
sfo{of]hgf ;+rfns ;ldltaf6 :jLs[t u/fO{ k|To]s cfly{s jif{sf] u}/–:ynut ;'kl/j]If0f OsfO{df tf]lsPsf] ;dodf jflif{s
;fpg d;fGtleq o; a}+s ;dIf clgjfo{ ?kdf k]z ug'{kg]{ / sfo{of]hgf k|fKt eP÷gePsf] cg'udg ug]{ ;fy} sfo{of]hgf
sfo{of]hgf sfof{Gjogsf] ;dLIff ;DalGwt a}+ssf] ;+rfns adf]lhd sfo{ eP÷gePsf] :ynut lg/LIf0fsf] qmddf
;ldltn] q}dfl;s ?kdf ug'{kg]{ ljBdfg Joj:yf ljsf; a}+s / ljQ cg'udg ug]{ ul/Psf] .
sDkgLx?sf] nflu ;d]t nfu" ul/g] .
54. !#@ cfly{s jif{ @)&&÷&* b]lv /fli6«o :t/sf ljsf; a}+sx?df ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
;dfgfGt/ ?kdf jf;n–# sf] Joj:yf nfu" ul/g] . /fli6«o :t/sf ljsf; a}+sx?af6 ;dfgfGt/ ?kdf jf;n–#
nfu" ul/Psf] .
55. !## a}+s tyf ljQLo ;+:yfn] ;x'lnotk"0f{ shf{ / k'g/shf{{sf] ljj/0f ldlt @)&&÷)$÷!@ df kl/kq hf/L ul/Psf] .
j]j;fO6dfkm{t\ q}dfl;s ?kdf ;fj{hlgs ug'{kg]{ Joj:yf ldnfOg] .
56. !#$ ;DklQ z'4Ls/0f tyf cftÍjfbL lqmofsnfkdf ljQLo nufgL ;DklQ z'4Ls/0f tyf cftÍjfbL lqmofsnfkdf ljQLo nufgL
lgjf/0f ;DaGwL cGt/f{li6«o k|fjwfg cg'?k kf/:kl/s d"NofÍg lgjf/0f ;DaGwL cGt/f{li6«o k|fjwfg cg'?k kf/:kl/s
;DaGwL sfo{ ;DkGg ug{ cfjZos ;dGjo ul/g] . ;DklQ d"NofÍg ;DaGwL sfo{ ;DkGg ug{ cfjZos ;dGjo
z'4Ls/0f tyf cftÍjfbL lqmofsnfkdf ljQLo nufgL lgjf/0f eO/x]sf] .
;DaGwL /fli6«o /0fgLltdf plNnlvt o; a}+s;Fu ;DalGwt kf/:kl/s d"NofÍg tof/L cGt{ut Techincal Compliance
sfo{x?sf] k|efjsf/L sfof{Gjog ul/g]] . tof/ u/L lgsfout 5nkmnsf] r/0fdf /x]sf]] .

57. !#% ;DklQ z'4Ls/0f Pjd\ cftÍjfbL lqmofsnfkdf ljQLo nufgL @)&& df3 ! ut]af6 ljsf; a}+s / ljQ sDkgLx?nfO{ goAML
lgjf/0fsf nflu goAML System sf] bfo/fdf a}+s tyf ljQLo df cfj4 ul/Psf] .
;+:yfsf cltl/Qm cGo ;"rs ;+:yfx?nfO{ ;d]t cfj4 ul/g] . lwtf]kq, aLdf tyf ljk|]if0f Joj;foLx?nfO{ goAML df cfj4
ug{ s]xL ;+:yfx?df goAML Reporting kl/If0f z'? ul/Psf] .
58. !#^ ;DklQ z'4Ls/0f lgjf/0f k|0ffnLdf cfwfl/t sf/f]af/sf] hf]lvd a}+s ;'kl/j]If0f ljefudf ML Monitoring Unit :yfkgf u/L
dfkg tyf ljZn]if0f k|efjsf/L agfpg ;'kl/j]IfsLo Ifdtf cfjZos Joj:yf ldnfOPsf] . a}+s tyf ljQLo ;+:yfsf] ML
clej[l4 ul/g] . Vulnerability Assessment Tool nfO{ ;d]t ;dfj]z u/L AML/CFT
Supervision Manual sfof{Gjogdf NofOPsf] .
59. !#& n3'ljQ ljQLo ;+:yfx?sf] O{hfht lbg] sfo{ :yug ul/Psf] . ;fy}, ldlt @)&&÷)$÷!% / @)&&÷)$÷!^ df ;"rgf hf/L
Ohfhtsf] k|lqmofdf /x]sf n3'ljQ ljQLo ;+:yfx?sf] Ohfht ul/Psf] .
k|lqmof ;d]t /4 ul/Psf] .
60. !#* k|b]z:t/df sf/f]af/ ug]{ n3'ljQ ljQLo ;+:yfx?n] tf]lsPsf] k|b]z ldlt @)&&÷)$÷!# df kl/kq hf/L ul/Psf] .
afx]ssf If]qdf ;~rfngdf /x]sf zfvf sfof{no laqmL, aGb jf
:yfgfGt/0f u/L cfˆgf] ;Dk"0f{ sf/f]af/ Pp6} k|b]zdf ;Lldt ug'{kg]{
;do ;Ldf @)&& c;f/ d;fGtaf6 a9fO{ @)&* c;f/ d;fGt
sfod ul/Psf] .
61. !#( Jofj;flos kl/of]hgfsf] nflu :jLsf/of]Uo lwtf] lnO{ tf]lsPsf ldlt @)&&÷)$÷!# df kl/kq hf/L ul/Psf] .
s[lif, n3' pBd tyf Joj;fo ug]{ ljkGg tyf Go"g cfo ePsf
JolQm, kmd{ jf ;d"xnfO{ k|bfg ul/g] shf{ ;Ldf ?= & nfvaf6
a9fO{ ?= !% nfv sfod ul/g] .
62. !$) n3'ljQ ljQLo ;+:yfx?n] cfˆgf u|fxs;Fu lng] Aofhb/ clwstd ldlt @)&&÷)$÷!# df kl/kq hf/L ul/Psf] .
!% k|ltzt sfod ul/g] . lg/Gt/ cg'udg e}/x]sf] .
63. !$) n3'ljQ ljQLo ;+:yfdf cfwf/ b/ -Base Rate_ u0fgf ljlw to ldlt @)&&÷)$÷!# df kl/kq hf/L ul/Psf] .
u/L Aofhb/ lgwf{/0fnfO{ yk Jojl:yt agfOg] .
lg/Gt/ cg'udg e}/x]sf] .

64. !$! Ohfht k|fKt …sÚ, …vÚ, …uÚ / yf]s shf{ k|jfx ug]{ …3Ú ju{sf a}+s ldlt @)&&÷)$÷!@ / @)&&÷)$÷!# df kl/kq hf/L
tyf ljQLo ;+:yfx?n] ljkGg ju{ shf{sf] ?kdf n3'ljQLo ul/Psf] .
;+:yfx?nfO{ k|jfx ug]{ shf{df )=% k|ltzt eGbf a9L ;]jf z'Ns :ynut lg/LIf0fsf] qmddf lgoldt ?kdf lg/LIf0f ubf{
lng gkfOg] Joj:yf ul/g] . cg'udg ug]{ ul/Psf] .
65. !$@ n3'ljQ ljQLo ;+:yfn] lglZrt k|of]hgsf nflu :yflkt bL3{sfnLg ldlt @)&&÷)$÷!# df kl/kq hf/L ul/Psf] .
sf]ifx? Affx]ssf /sd a}+s tyf ljQLo ;+:yfdf # dlxgf eGbf a9L
cjlwsf] d'2tL lgIf]kdf /fVg / gjLs/0f ug{ gkfpg] Joj:yf :ynut lg/LIf0f tyf u}/:ynut ;'kl/j]If0fsf] dfWodaf6
ul/g] . lg/Gt/ cg'udg ug]{ ul/Psf] .
66. !$# :yfgLo txsf ;a} j8fx?df ljQLo kx'Fr k'¥ofpg] p2]Zon] n3'ljQ ldlt @)&&÷)$÷!# df kl/kq hf/L ul/Psf] .
ljQLo ;+:yfx?sf] zfvf gePsf j8fx?df dfq zfvf vf]Ng kfpg]
Joj:yf ldnfOg] . lg/Gt/ cg'udg eO/x]sf] .
67. !$$ n3'ljQ ljQLo ;+:yfx?dWo] yf]s shf{ k|jfx ug]{ tyf ldlt @)&&÷)$÷!# df kl/kq hf/L ul/Psf] .
;j{;fwf/0faf6 lgIf]k ;+sng ug{ :jLs[t k|fKt ;+:yfx?n] cfly{s Yff]s shf{ sf/f]af/ ug]{ / ;j{;fwf/0faf6 lgIf]k ;+sng ug]{
jif{ @)&&÷&* sf] ljQLo ljj/0f g]kfn ljQLo k|ltj]bg dfg n3'ljQ ljQLo ;+:yfx?n] @)&* c;f/ d;fGtsf] ljQLo
(NFRS) cg';f/ ;d]t k|sfzg ug'{kg]{ Joj:yf ul/g] . ljj/0f g]kfn ljQLo k|ltj]bg dfg -NFRS_ cg';f/
;dfgfGt/ ?kdf tof/ ug{ kl/kq hf/L ePsf] .
68. !$^ g]kfnleq x'g] ;a} k|sf/sf ljB'QLo sf/f]jf/sf] clen]v sfod u/L /fli6«o e'QmfgL :jLrsf] :yfkgf ug]{ sfo{ NCHL dfkm{t
e'QmfgL k|0ffnLdf yk ;xhLs/0f ug{ /fli6«o e'QmfgL :jLrsf] cufl8 a9]sf] .
:yfkgf ul/g] .
69. !$& e'QmfgL k|0ffnL ;~rfns tyf e'QmfgL ;]jf k|bfos ;+:yfx? ldlt @)&&÷)$÷)$ df o; a}+ssf] j]a;fO6df ;"rgf
;~rfng ug{ o; cl3 ;}4flGts ;xdlt k|bfg ul/Psf afx]s gofF k|sfzg u/L e'QmfgL k|0ffnL ;~rfns tyf e'QmfgL ;]jf
cg'dlt lbg] sfo{ :yug ul/Psf] . k|bfos ;+:yfx? ;~rfng ug{ o; cl3 ;}4flGts ;xdlt
k|bfg ul/Psf afx]s gofF cg'dlt lbg] sfo{ :yug ul/Psf] .
70. !$* e'QmfgL ;]jf k|bfos -PSP_ sf] ?kdf cg'dlt kfPsf ;+:yfn] @)&* ldlt @)&&÷)%÷!! df lgb]{zg hf/L ul/Psf] .
c;f/ d;fGt;Dddf sDtLdf # nfv u|fxs gk'¥ofPdf / dfl;s

cf};t sf/f]af/ ;+Vof slDtdf ^ nfv gk'u]df To:tf ;+:yfsf]
cg'dlt vf/]h ug{ ;lsg] Joj:yf ul/g] .
71. !$( ljB'QLo e'QmfgLdf Quick Response (QR) Code dfkm{t x'g] ljB'QLo e'QmfgLdf Quick Response (QR) Code dfkm{t x'g]
e'QmfgLnfO{ Jojl:yt ug{ dfu{bz{g hf/L ul/g] . e'QmfgLnfO{ Jojl:yt ug{ dfu{bz{g hf/L ul/Psf] .
@)&& ;fpgdf QR af6 ! nfv (% xhf/ sf/f]af/ ePsf]df
@)&* h]7df of] ;+Vof % nfv # xhf/ k'u]sf] . ;f] cjlwdf
sf/f]af/ /sd ?= %( s/f]8 a9]/ af6 ?= ! ca{ (& s/f]8
k'u]sf] .
72. !%) e'QmfgL k|0ffnLsf] ljsf; ;DaGwL ;"rsx? (Payment System e'QmfgL k|0ffnLsf] ljsf; ;DaGwL tYofÍ÷;"rsx? dfl;s
Development Indicator- PSDI) k|sfzg ul/g] . ?kdf @)&& ;fpgb]lv o; a}+ssf] j]a;fO6df k|sfzg ug{
yflnPsf] .
73. !%! ;/sf/L C0fkqsf] sf/f]af/ Jojl:yt ug{ ;DalGwt lgsfox?;Fu ljsf; C0fkq, gful/s artkq tyf j}b]lzs /f]huf/
;dGjo u/L ;/sf/L C0fkqsf] cef}ltsLs/0f ul/g] . artkqsf] cef}ltsLs/0f ug{ ;/f]sf/jfnf lgsfox?aLr
;dembf/L‐kqdf x:tfIf/ (MoU) ePsf] .
74. !%@ Sight LC dfkm{t cf}Bf]lus sRrf kbfy{ / d]lzg/L ;/;fdfg ldlt @)&&÷)$÷!# df kl/kq
cfoft ubf{ jfl0fHo a}+sx¿n] kl/jTo{ ljb]zL d'b|fdf k|jfx ug]{ hf/L ePsf] .
C0fsf] Aofhb/ ;DaGwL ljBdfg Joj:yfdf k'g/fjnf]sg ul/g] .
75. !%@ k|tLtkqsf] e'QmfgLnfO{ ;xhLs/0f ug{ cfjZostf cg';f/ Sight ldlt @)&&÷)(÷@* df kl/kq hf/L ePsf] .
L/C nfO{ Deferred payment x'g]u/L ljb]zL a}+sx?af6 Discount
u/fpg ;lsg] Joj:yf ul/g] .
76. !%# cfoft Jofkf/df cfjZos kg]{ aLdf / 9'jfgL ;DaGwL ;]jfx? ldlt @)&&÷)(÷@* df kl/kq hf/L ePsf] .
;Dej eP;Dd g]kfnL ;]jf k|bfosaf6 lng'kg]{ u/L cfjZos
gLltut Joj:yf ul/g] .

77. !%$ Documents Against Payment (DAP) / Documents Against ldlt @)&&÷)$÷!# df kl/kq
Acceptance (DAA) ;DaGwL Joj:yf adf]lhd cfoft ubf{ k|bfg hf/L ePsf] .
ul/g] ljb]zL d'b|fsf] ;6xL ;Ldf %) xhf/ cd]l/sL 8n/ sfod
ul/g] .
78. !%% t];|f] d'n'saf6 8«fkm\6÷l66Lsf] dfWodaf6 j:t' cfoft ubf{ Ps ldlt @)&&÷)$÷!# df kl/kq
k6sdf a9Ldf #) xhf/ cd]l/sL 8n/ a/fa/;Ddsf] ljb]zL d'b|fsf] hf/L ePsf] .
;6xL ;'ljwf lbg] Joj:yf /x]sf]df ;f] ;Ldfdf j[l4u/L #% xhf/
cd]l/sL 8n/ sfod ul/g] .
79. !%^ k|tLtkqdfkm{t kl/jTo{ ljb]zL d'b|fdf e'QmfgL u/L ef/taf6 cfoft ldlt @)&&÷)$÷!# df kl/kq
ug]{] j:t'sf] bfo/f a9fOg] . hf/L ePsf] . xfdf]{lgs sf]8 #()@=#)=)), &^!$=()=)) /
*$%$=()=)) ePsf tf/, d]6n ;d"xsf # a:t' yk u/L s'n
!^& k'¥ofOPsf]] .
80. !%& ;"rgf k|ljlw nufot ljljw ;]jf online jf electronic dfWodaf6 lgb]{zg hf/L ePsf] .
lgof{t u/L k|fKt x'g] ljb]zL d'b|f ;DalGwt lgof{tstf{ jf ;]jf ljb]zL d'b|f leq\ofpg] ;DaGwdf e'QmfgL k|0ffnL ljefusf] ldlt
k|bfossf] ljb]zL d'b|f a}+s vftf jf sf8{df k|fKt ug{ ;lsg] @)&&÷)^÷)! sf] ;"rgfaf6 Joj:yf ePsf] .
Joj:yf ldnfOg] .
81. !%* ljk|]if0f cfo cf}krfl/s dfWodaf6 leœofpg k|f]T;flxt ug]{ p2]Zon] g]kfn /fi6« a}+s ljk]|if0f ljlgodfjnL, @)^& ;+zf]wg;Fu} z'Ns
a}+s tyf ljQLo ;+:yf / ljk|]if0f sf/f]af/ ug{ cg'dlt k|fKt lgwf{/0fdf ;d]t gLltut Joj:yf x'g] .
;+:yfx?n] ljk|]if0f sf/f]af/df lng] z'Ns lgwf{/0f ;DaGwdf gLltut
Joj:yf ul/g] .
82. !%* df]afOn jfn]6sf] sf/f]af/ Jojl:yt u/L cf}krfl/s dfWodaf6 ldlt @)&&÷)^÷)% df ;"rgf hf/L ul/Psf] .
ljk|]if0f cfo leœofpg k|f]T;flxt ul/g] .
83. !%( g]kfn ;/sf/, pBf]u ljefu cGtu{t :yflkt Psn ljGb' ;]jf g]kfn /fi6« a}+s ljb]zL nufgL tyf ljb]zL C0f Joj:Yffkg
s]Gb|df /x]sf] ljb]zL ljlgdo ;xhLs/0f PsfO{nfO{ yk k|efjsf/L ljlgodfjnL, @)&* ldlt @)&*÷)@÷!& df :jLs[lt eO{
agfOg] . @)&*÷)@÷@% df kl/kq hf/L ul/Psf] .

84. !^) Jofkfl/s kmd{x¿n] ug]{ cfoftsf] xsdf o';fG; k|tLtkqsf] ldlt @)&&÷)$÷!# df kl/kq hf/L eO;s]sf] .
ljBdfg cjlw !@) lbgaf6 a9fO{ !*) lbg sfod ul/g] .
85. !^! ljb]zL d'b|f k|fKt ePkl5 g]kfnL lgof{tstf{x¿sf] gfddf clu|d ldlt @)&&÷)$÷!# df kl/kq hf/L eO;s]sf] .
e'QmfgLsf] k|df0fkq (Advance Payment Certificate) hf/L u/L ;Sg'
kg]{ ;do;Ldf ljBdfg ! dlxgfaf6 a9fO{ $ dlxgf sfod ul/g] .
86. !^@ g]kfnL lgof{tstf{n] ;DalGwt lgsfosf] :jLs[lt lnO{ ljb]zdf ldlt @)&&÷)$÷!# df kl/kq
ljleGg k|bz{gL, Jofkf/d]nf cflbdf g]kfnL j:t' laqmL u/]jfkt hf/L eO;s]sf] .
k|fKt gub ljb]zL d'b|f g]kfnl:yt a}+s tyf ljQLo ;+:yfdf /x]sf]
lgof{tstf{sf] ljb]zL d'b|f vftfdf ;d]t hDdf ug{ ;lsg] Joj:yf
ul/g] .
87. !^# lglZrt zt{ / dfkb08sf] clwgdf /xL lglZrt /sd;Ddsf] g]kfn /fi6« a}+s ljb]zL nufgL tyf ljb]zL C0f Joj:Yffkg
ljb]zL nufgL jfktsf] ljb]zL d'b|f a}+s tyf ljQLo ;+:yfx?dfkm{t ljlgodfjnL, @)&* ldlt @)&*÷)@÷!& df :jLs[t eO{
:jrflnt tj/ (Automatic Route) af6 leœofpg ;Sg] Joj:yf ldlt @)&*÷)@÷@% df kl/kq hf/L ul/Psf] .
ul/g] .
88. !^$ a}b]lzs nufgLdf /x]sf k"jf{wf/ ljsf; lgdf{0f;Fu ;DalGwt ldlt @)&&÷)(÷@( df ;"rgf k|sflzt ePsf] .
lgdf{0fflwg cfof]hgfx?n] ljb]zl:yt Parent Company/Group of
Companies af6 k'FhL nufgLsf] lglZrt u'0ff;Dd tf]lsPsf]
Aofhb/sf] ;Ldfleq /xL C0f lng kfpg] Joj:yf ul/g] .
89. !^% ljb]zL d'b|fsf] nufgLdf x'g ;Sg] ljlgdo hf]lvd Go"gLs/0f ug{ g]kfn ;/sf/sf] ;DalGwt lgsfo;Fu cfjZostf cg';f/
ljlzli6s[t ;+:yfdfkm{t\ Joj;flos ?kdf x]lhË ;DaGwL sfo{ ug{ ;dGjo u/L gLltut Joj:yf ul/g] .
k|f]T;flxt ul/g] .
90. !^& sf]le8 !( sf] sf/0f ldtJolotf sfod ug'{ kg]{ cj:yfnfO{ a}+ssf k|d'v sfo{sf/L clws[t tyf sd{rf/Lsf] tna eQf
b[li6ut u/L a}+s tyf ljQLo ;+:yfsf k|d'v sfo{sf/L clws[t tyf ;'ljwfsf] ljj/0f dfu u/L cWoogsf] qmddf /x]sf] .
nufot pRr kb:y sd{rf/Lsf] kfl/>lds tyf ;'ljwf ;DaGwL

Joj:yfdf k'g/fjnf]sg ul/g] . To;}u/L, ;~rfns ;ldltsf] a}7s
eQf tyf ;'ljwf lgwf{/0f ;DaGwdf dfkb08 th"{df ul/g] .
91. !^* ;j{;fwf/0fsf] a}+lsË ;]jf;Fu ;DalGwt lh1f;f, u'gf;f tyf ;'emfj ldlt @)&&÷)^÷!@ df sfo{ljlw hf/L u/L kf]6{n sf] Joj:yf
o; a}+ssf] j]j;fO6df 5'§} kf]6{ndfkm{t\ ;d]t Kf|fKt ug]{ Joj:yf ul/Psf]] .
ul/g] .
92. !^* o; a}+sdf :yflkt ljQLo u|fxs ;+/If0f OsfOdfkm{t\ ;a} k|sf/sf ldlt @)&&÷)^÷!@ df sfo{ljlw hf/L ul/Psf] .
u'gf;f tyf ;'emfjx?sf] sfof{Gjog x'g] Joj:yf ldnfOg] .
93. !&! a}+s tyf ljQLo ;+:yfn] u|fxs;Fu lng] ;]jf z'Nsx?nfO{ yk lgb]{zg hf/L ePsf] .
Jojl:yt / kf/bzL{ agfpg jfl0fHo a}+s, ljsf; j}+s, ljQ sDkgL
/ n3' ljQ ljQLo ;+:yfn] shf{ :jLs[lt ubf{ ;]jf z'Nsjfkt\ :ynut lg/LIf0fsf] qmddf lgoldt ?kdf lg/LIf0f ubf{
qmdzM clwstd )=&% k|ltzt, !=)) k|ltzt, !=@% k|ltzt / cg'udg ug]{ u/]sf] .
!=%) k|ltzt;Dd dfq lng kfpg] Joj:yf ul/g] .
94. !&@ a}+s tyf ljQLo ;+:yfx?sf] nflu cfjZos u|fxs klxrfg ljj/0f o; ;DaGwL Joj:yfsf] nflu cfjZos 5nkmn eO/x]sf] .
(Know Your Customer) PsLs[t ?kdf pknAw u/fpg] Joj:yf
ldnfOg] .
95. !&# sf]le8 !( sf] sf/0fn] ;fFjf jf Aofhsf] e'QmfgL Dofb yk u/]afkt ldlt @)&&÷)$÷!@ / @)&&÷)$÷!# df kl/kq hf/L
u|fxsaf6 Kf]gfn Aofh, z'Ns jf xhf{gf lng gkfOg] Joj:yf ul/g] . ul/Psf] .
96. !&$ a}+s tyf ljQLo ;+:yfsf ATM sf] sf/f]af/ aLr cGt/cfj4tf x'g] ATM sf] sf/f]af/ aLr cGt/cfj4tf clej[l4 ePsf] .
Joj:yf ul/g] .
97. !&$ sf]le8 !( sf] c;/ /x];Ddsf] nflu Ps ;+:yfsf] ATM sf8{ csf]{ ldlt @)&&÷)%÷!! df lgb]{zg hf/L ul/Psf] .
;+:yfsf] ATM df k|of]u u/]df z'Ns gnfUg] Joj:yf ldnfOg] .
98. !&% o; a}saf6 Ohfhtkq k|fKt a}+s tyf ljQLo ;+:yfx?n] ;+:yfut gLltut Joj:yfdf k'g/fjnf]sg ul/Psf] .
;fdflhs pQ/bfloTjdf ug]{ vr{ ;DaGwL gLltut Joj:yfdf
k'g/fjnf]sg ul/g] .

99. !&% a}+s tyf ljQLo ;+:yfx?sf] cfly{s jif{ @)&^÷&& sf] c;f/;Dd ldlt @)&&÷)$÷!@ / @)&&÷)$÷!# df lgb]{zg hf/L
vr{ x'g afFsL /sd g]kfn ;/sf/n] :yfkgf u/]sf] sf]/f]gf ;+qmd0f ul/Psf] .
/f]syfd, lgoGq0f / pkrf/ sf]ifdf hDdf ug'{ kg]{ Joj:yf ul/g] .
df}lb|s gLltsf] klxnf] q}dfl;s ;dLIffsf Joj:yfx?sf] nIo / k|ult ljj/0f
1. ^!= a}+s tyf ljQLo ;+:yfx?n] sn lgIf]k afx]ssf Aofh k|bfg ul/g] ldlt @)&&÷(÷)! df lgb]{zg hf/L ul/Psf] .
lgIf]k vftfx?df lbOg] clwstd / Go"gtd Aofhb/ aLrsf] cGt/ :ynut lg/LIf0fsf] qmddf cg'udg x'g] u/]sf]] .
% k|ltzt ljGb' eGbf a9Ln] km/s ug{ gkfOg] Joj:yf ul/g] .
2. ^@= cfjlws k|s[ltsf shf{x? clu|d e'QmfgL ubf{ lnOg] z'Ns tyf ldlt @)&&÷(÷)! df lgb]{zg hf/L ePsf] .
:jfk z'NsnfO{ yk Jojl:yt ul/g] . :ynut lg/LIf0fsf] qmddf cg'udg x'g] u/]sf]] .
3. ^#= l:y/ Aofhb/df k|jfx ePsf shf{sf] xsdf Aofhb/ hf]lvd axg ldlt @)&&÷(÷)! df lgb]{zg hf/L ePsf] .
tyf >f]t Joj:yfkg;Fu tfnd]n x'g] u/L clu|d e'QmfgL z'Ns tyf :ynut lg/LIf0fsf] qmddf cg'udg x'g] u/]sf]] .
;dofjwL lgwf{/0f ug{ ;lsg] Joj:yf ul/g] .
4. ^$= sf]le8–!( sf] c;/ k/]sf C0fLsf] ^ dlxgf eGbf a9Lsf] Aofh ldlt @)&&÷(÷)! df lgb]{zg hf/L ePsf] .
aSof}tf g/x]sf] cj:yfdf lwtf] lnnfdL h:tf k|lqmof s]xL :ynut lg/LIf0fsf] qmddf cg'udg x'g] u/]sf]] .
;do;Ddsf nflu :yug ug'{ kg]{ Joj:yf ul/g] .
5. ^%= a}+s tyf ljQLo ;+:yfaf6 ljb]zL d'b|fdf C0f lnPsf C0fLx? ldlt @)&&÷)*÷@^ df lgb]{zg hf/L ePsf] .
ljZjJofkL dxfdf/Lsf] ?kdf km}lnPsf] sf]le8–!( af6 k|efljt x'g
uO{ ljb]zL d'b|fdf ;fFjf tyf Aofh e'QmfgLdf kg{ uPsf] c;xh
kl/l:yltnfO{ b[li6ut u/L o:tf] ljb]zL d'b|fdf lnPsf] C0fsf]
ls:tf g]kfnL d'b|fdf ;d]t e'QmfgL ug{ ;lsg] Joj:yf ldnfOg] .
6. ^^= cgnfOgdfkm{t\ lglZrt /sd;Dd ljb]zL j:t' tyf ;]jf cfoft ldlt @)&&÷!@÷)* df lgb]{zg tyf ;"rgf hf/L ePsf] .
u/L ;f]sf] e'QmfgL ug{ ljb]zL d'b|fdf ;6xL ;'ljwf pknAw u/fpg]
Joj:yf ldnfOg] .

7. ^&= a}+s tyf ljQLo ;+:yf, e'QmfgL ;]jf k|bfos / e'QmfgL k|0ffnL @)&&÷!)÷)! b]lv nfu" x'g] u/L ldlt @)&&÷)(÷@# df
;+rfnsx?n] ljB'tLo e'QmfgL ;]jf k|bfg u/]jfkt u|fxsx?af6 lng] z'Ns k'g/fjnf]sg ;DaGwdf lgb]{zg hf/L ePsf] .
;]jf z'Ns ;DaGwL Joj:yfdf k'g/fjnf]sg ul/g] .
8. ^*= JolQmut clwljsif{ shf{, z]o/lwtf] shf{ tyf l/on:6]6 shf{ ldlt @)&&÷(÷)! df lgb]{zg hf/L ePsf] .
;DaGwL ljBdfg Joj:yfdf k'g/fjnf]sg ul/g] . :ynut lg/LIf0fsf] qmddf cg'udg x'g] u/]sf]] .
9. ^(= sf]le8–!( ;+qmd0faf6 clws k|efljt ePsf] b]lvPsf] xf]6n k'g/shf{ sfo{ljlw, @)&& dfkm{t\ ;xhLs/0f ul/Psf] .
nufotsf ko{6g Joj;fo / kz'k+IfL kfng Joj;fonfO{ k|bfg ldlt @)&&÷)^÷)^, @)&&÷^÷#) / @)&&÷*÷!) sf]
ul/g] k'g/shf{df yk ;xhLs/0f ul/g] . :jLs[t l6Kk0fL adf]lhd k'g/shf{ sfo{ljlw, @)&& df /x]sf]
laleGg a'Fbfx?df ;xhLs/0f ul/Psf] .
10. &)= o; a}+sjf6 ul/Psf] sf]le8–!( ;+qmd0fsf] c;/ k/]sf If]qsf] cWoog ;DkGg eO{ cfjZos gLltut Joj:yf k'g/fjnf]sg
ljBdfg clt k|efljt, dWod k|efljt tyf Go"g k|efljt ;d]t ul/Psf] .
juL{s/0fdf cfjZostf cg';f/ k'g/fjnf]sg ug{ cWoog ul/g] .
df}lb|s gLltsf] c4{–jflif{s ;dLIffsf Joj:yfx?sf] nIo / k|ult ljj/0f
1. ^$= @)&^ k'; d;fGtdf ;lqmo ju{df /x]sf shf{nfO{ C0fLn] @)&* ldlt @)&&÷!!÷!^ df lgb]{zg hf/L ul/Psf] .
c;f/ d;fGtleq lnlvt sfo{ of]hgf k]z u/]df a}+s tyf ljQLo :ynut lg/LIf0fsf] qmddf cg'udg x'g] u/]sf]] .
;+:yfn] ;f] sf] ljZn]if0f u/L aSof}tf Aofhsf] Go"gtd % k|ltzt
c;'n pk/ u/L Ps k6ssf] nflu shf{ k'g/;+/rgf tyf
k'g/tflnsLs/0f ug{ ;Sg] Aoj:yf ldnfOg] .
2. ^%= bz d]ufjf6 eGbf ;fgf hnlaB't\ cfof]hgfx¿sf] ljz]if ldlt @)&&÷!!÷@# df hf/L ul/Psf] æg]kfn /fi6« a}+s
k'g/shf{df kx'Fr k'¥ofpg cfjZos Joj:yf ul/g] . k'g/shf{ sfo{ljlw, @)&&, klxnf] ;+zf]wg ;lxtÆ df ;f]
;DaGwL Joj:yf ul/Psf] .
3. ^^= ljleGg k|of]hgsf nflu C0f lwtf] d"No cg'kft tf]sL k|jfx ePsf cWoog eO{ cfjZos gLltut k'g/fjnf]sg ePsf] .
shf{df sf]le8n] l;h{gf u/]sf] c;xh kl/l:yltsf] ;dodf rfn' cfly{s
jif{sf] df}lb|s gLltdf ul/Psf] lgofdsLo ;xhLs/0fnfO{ oyfjt\

/flvPsf]df cfly{s lqmofsnfk ;fdfGo x'b} uP;Fu} C0f lwtf] d"No
cg'kft ;DaGwL Joj:yfdf k'g/fjnf]sg ug]{ Joj:yf ul/g] .
4. ^&= a}+s tyf ljQLo ;+:yfn] tf]lsPsf If]q / ju{df k|jfx ug'{kg]{ shf{ o; a}+ssf] lgodg / ;'kl/j]If0f ljefux?sf] ljz]if cg'udg
nlIft If]q / ju{n] k|fKt u/] gu/]sf] ;DaGwdf ljz]if cg'udg u/L 6f]nL]åf/f ;+o'Qm ?kdf cg'udg ePsf] . :ynut lg/LIf0fsf]
pQm C0f b'?kof]u u/]sf] kfOPdf ;DalGwtnfO{ ul/g] sf/jfxLnfO{ qmddf cg'udg x'g] u/]sf]] .
yk k|efjsf/L agfOg] .
5. ^*= ljB'tLo e'QmfgL sf/f]af/ k|f]T;flxt ug{ sf/f]af/sf] ;Ldfdf ljB'tLo e'QmfgL sf/f]af/ k|f]T;flxt ug{ sf/f]af/sf] ;Ldfdf
;dofg's"n k'g/fjnf]sg ul/g] . ;dofg's"n k'g/fjnf]sg u/L ldlt @)&&÷!!÷!( df lgb]{zg
hf/L ul/Psf] .
6. ^(= QR Code nufotsf ljB'tLo sf/f]af/sf] k|j4{gsf nflu cfjZos yk ljB'QLo e'QmfgLdf Quick Response (QR) Code dfkm{t\ x'g]
gLltut Joj:yf ul/g] . sf/f]af/nfO{ k|f]T;fxg ug{sf] nflu QR dfu{bz{g hf/L
ul/Psf] .
7. &)= ljB'tLo sf/f]af/sf] k|j4{gsf nflu ljQLo ;fIf/tfdf ul/g] lglZrt ldlt @)&&÷!!÷!^ df lgb]{zg hf/L ul/Psf] .
vr{x¿nfO{ ;+:yfut ;fdflhs pQ/bfloTj (Corporate Social :ynut lg/LIf0fsf] qmddf cg'udg x'g] u/]sf]] .
Responsibility) cGtu{t u0fgf ug{ ;lsg] Joj:yf ul/g] .
8. &!= Documents Against Payment (DAP) / Documents Against Acceptance (DAA) ldlt @)&&÷!@÷)$ df lgb]{zg hf/L ePsf] .
;DaGwL Joj:yf adf]lhd cfoft ubf{ k|bfg ul/g] ljb]zL d'b|f
;6xLsf] ljBdfg ;Ldfdf cfjZostfg';f/ k'g/fjnf]sg ul/g] .
df}lb|s gLltsf] t];|f] q}dfl;s ;dLIffsf Joj:yfx?sf] nIo / k|ult ljj/0f
1. &)= g]kfndf xfn ;~rfngdf /x]sf :jf:Yo ;]jf k|bfos ;+:yf, ldlt @)&*÷@÷!! df lgb]{zg hf/L ul/Psf] .
c:ktfn jf pBf]ux?nfO{ lnlSj8 clS;hg Knf06 jf clS;hg
KnfG6 :yfkgf ug]{ k|of]hgsf] nflu shf{ dfu ePdf a}+s tyf
ljQLo ;+:yfx?n] cfwf/ b/ -Base Rate_ df g} shf{ pknAw u/fpg]
Joj:Yff ldnfOg] .

2. &!= g]kfndf xfn ;~rfngdf /x]sf :jf:Yo ;]jf k|bfos ;+:yf, ldlt @)&*÷)#÷!! df hf/L ul/Psf] æg]kfn /fi6« a}+s
c:ktfn jf pBf]ux?nfO{ lnlSj8 clS;hg Knf06sf] nflu ?=%) k'g/shf{ sfo{ljlw, @)&&, bf];|f] ;+zf]wg ;lxtÆ dfkm{t\ ;f]
s/f]8;Dd tyf clS;hg Knf06 :yfkgf ug]{ k|of]hgsf] nflu ? @) ;DaGwL Joj:yf sfof{Gjog ul/Psf] .
s/f]8;Ddsf] shf{nfO{ Ps jif{sf] nflu ljz]if k'g/shf{ pknAw
u/fpg] Joj:yf ldnfOg] .
3. &@= Aofh kF'hLs/0fsf] nflu o; a}+saf6 :jLs[tL k|fKt ul/;s]sf ljB't ldlt @)&*÷@÷!! df lgb]{zg hf/L ul/Psf] .
kl/of]hgfx?sf] Required Commercial Operation Date
kl/jt{g ePdf ;f] calwsf] Aofh k'FhLs/0f ug{ o; a}+ssf] :jLs[lt
cfjZos gkg]{ Joj:yf ul/g] .
4. &# sf]le8–!( ;+qmd0f Go"gLs/0fsf nflu hf/L ePsf] lgif]wf1f ldlt @)&*÷@÷!! df lgb]{zg hf/L ul/Psf] .
cjlwe/ a}+s tyf ljQLo ;+:yfx?n] u|fxsaf6 shf{ c;'nLdf
s'g}klg k|sf/sf] k]gfN6L jf cltl/St z'Ns lng gkfpg] Joj:yf
ldnfOg] .
5. &$ sf]le8–!( ;+qmd0f Go"gLs/0fsf nflu hf/L ePsf] lgif]wf1f ldlt @)&*÷@÷!! df lgb]{zg hf/L ul/Psf] .
cjlwe/ / ;f] cjlw ;dfKt ePsf] Ps dlxgf;Dd a}+s tyf
ljQLo ;+:yfn] s'g} klg k|sf/sf] c;'nL ;DaGwL ;"rgf jf lnnfdL
;DalGw ;"rgf hf/L ug{ gkfpg] Joj:yf ldnfOg] .
6. &% sf]le8–!( ;+qmd0f Go"gLs/0fsf nflu hf/L ePsf] lgif]wf1f ldlt @)&*÷@÷!! df lgb]{zg hf/L ul/Psf] .
cjlwe/ Dofb ;dfKt ePsf d'2tL lgIf]ksf] gjLs/0f, hdfgt
tyf k|lttkqsf] gjLs/0f / shf{sf] gjLs/0f ;DalGwt u|fxssf]
cg'/f]wdf a}+s tyf ljQLo ;+:yfn] ug{ ;Sg] Joj:yf ldnfOg] .
7. &^ lgif]wf1fsf] cjlwdf shf{sf] ls:tf jf Jofh e'QmfgL ug]{ u|fxsnfO{ ldlt @)&*÷@÷!! df lgb]{zg hf/L ul/Psf] .
5'6 k|bfg ug{ a}+s tyf ljQLo ;+:yfx?nfO{ k|f]T;flxt ul/g]5

8. && a}+s tyf ljtLo ;+:yfx?n] k|jfx ug]{ shf{dWo] z]o/sf] lwtf]df ldlt @)&*÷@÷!! df lgb]{zg hf/L ul/Psf] .
k|jfx x'g] dflh{g k|s[ltsf] shf{sf] ;'/If0f afkt\ z]o/sf] d"NofÍg
ubf{ kl5Nnf] !*) lbgsf] clGtd d"Nosf] cf};t d"No jf k|rlnt
ahf/ d"No dWo] h'g sd x'G5 ;f]sf] cfwf/df u0fgf ug]{ Joj:yf
ldnfO{ pSt d"Nosf] &) k|ltzt;Dd shf{ k|jfx ug{ ;Sg]
Joj:yfnfO{ lg/Gt/tf lbOPsf] .
9. &* a}+s tyf ljQLo ;+:yfx?n] lgIf]k / shf{sf] Jofhb/ kl/jt{g ldlt @)&*÷@÷!! df lgb]{zg hf/L ul/Psf] .
;DaGwL hfgsf/L ;DalGwt u|fxsnfO{ ljBtLo dfWodaf6 tTsfn
pknAw u/fpg' kg]{ Joj:yf ldnfOg] .
10. &( sf]le8–!( af6 ljsl;t ePsf] c;xh kl/l:yltnfO{ dWogh/ u/L ldlt @)&*÷@÷!! df lgb]z { g hf/L ul/Psf] .
u|fxs klxrfg cBfjlws gePsf] sf/0f lgliqmo ePsf a}s
vftfsf] xsdf a}+s tyf ljQLo ;+:yfn] laB'tLo dfWodaf6 ;d]t
u|fxs klxrfg cBfjlws u/L To:tf vftf ;'rf? ug{ ;lsg]
Joj:yf ldnfOg] .
11. *) a}+s tyf ljQLo ;+:yfx?n] ;+:yfut ;fdflhs pQ/bfloTj ldlt @)&*÷@÷!! df lgb]z { g hf/L ul/Psf] .
(Corporate Social Responsibility)cGtu{t 5'6\ofPsf] sf]ifsf] /sd
hLjg /Iff, ;fj{hlgs lxt tyf k/f]ksf/L sfo{nfO{ k|fyldstf
lbg]u/L To:tf] of]ubfg b]ze/ g} pknAw x'g] Joj:yf ldnfOg] .
xfnsf] ljifd kl/l:yltnfO{ b[li6ut u/L a}+s tyf ljQLo ;+:yfn]
pQm sf]ifsf] /sd clS;hg l;ln08/, clS;hg sG;G6]«6/, hLjg
/Ifs EoflS;g, cf}ifwL cflb sfo{df vr{ug{ ;Sg] Joj:yf ldnfOg]
5 . To;}u/L, /fli6«o dxTjsf cfljisf/ s]Gb| tyf dfgj ;]jf h:tf
k/f]ksf/L sfo{df u/]sf] vr{ ;d]t pQm sf]ifaf6 x'g] vr{df u0fgf
ug{ ;lsg] Joj:yf ldnfOg] .
tflnsf ;"rL
tflnsf ! s'n ufx{:Yo pTkfbg -@)^&÷^* sf] d"Nodf_

tflnsf @ s'n ufx{:Yo pTkfbg -k|rlnt d"Nodf_
tflnsf # /fli6«o cfo, nufgL tyf art
tflnsf $ /fli6«o pkef]Qmf d"No ;"rsfÍ -@)&!÷&@ = !))_
tflnsf % df}lb|s ;j]{If0f
tflnsf ^ Aofhb/ ;+/rgf
tflnsf & df}lb|s Joj:yfkg
tflnsf * l/kf] af]nsaf]n
tflnsf ( l/e;{ l/kf] af]nsaf]n
tflnsf !) lgIf]k ;+sng af]nsaf]n
tflnsf !! Aofhb/ sl/8f]/
tflnsf !@ :yfoL t/ntf ;'ljwf
tflnsf !# ;/sf/L ljQ l:ylt -a}lsË sf/f]jf/df cfwfl/t_
tflnsf !$ g]kfn ;/sf/sf] s'n cfGtl/s C0f
tflnsf !% g]kfn ;/sf/sf] v'b cfGtl/s C0f
tflnsf !^ j}b]lzs Jofkf/
tflnsf !& zf]wgfGt/ l:ylt
tflnsf !* a}lsË If]q;Fu /x]sf] s'n ljb]zL ljlgdo ;l~rlt
tflnsf !( ljb]zL d'b|f vl/b÷laqmL
tflnsf !
s'n ufx{:Yo pTkfbg
-@)^&÷^* sf] d"Nodf_
?= s/f]8df k|ltzt kl/jt{g
zLif{s ;+ k|f ;+ k|f
2072/73 2073/74 2074/75 2075/76 2076/77 2077/78 2073/74 2074/75 2075/76 2076/77 2077/78
s[lif 54,130.1 56,931.2 58,416.7 61,429.2 62,801.4 64,458.6 5.2 2.6 5.2 2.2 2.6
s[lif, jg tyf dT:o 54,130.1 56,931.2 58,416.7 61,429.2 62,801.4 64,458.6 5.2 2.6 5.2 2.2 2.6
u}/ s[lif 115,914.7 127,719.4 139,848.6 149,497.1 143,658.6 150,223.8 10.2 9.5 6.9 -3.9 4.6
pBf]u 23,877.7 27,969.7 30,868.6 33,146.5 31,922.0 33,533.1 17.1 10.4 7.4 -3.7 5.0
vfgL tyf pTvgg 1,026.3 1,176.1 1,286.7 1,513.4 1,479.7 1,590.5 14.6 9.4 17.6 -2.2 7.5
cf}Bf]lus pTkfbg 9,153.7 10,694.0 11,678.5 12,440.3 11,373.8 11,812.0 16.8 9.2 6.5 -8.6 3.9
ljB't, Uof;, jfik tyf jftfg's'lnt cfk"lt{ ;]jf 1,589.1 1,952.0 2,154.6 2,361.7 2,965.9 3,195.5 22.8 10.4 9.6 25.6 7.7
kfgL cfk"lt{, 9n kmf]xf]/ Joj:yfkg tyf k'gM
pTkfbgsf lqmofsnfkx? 1,422.2 1,465.3 1,532.2 1,551.0 1,584.3 1,609.7 3.0 4.6 1.2 2.1 1.6
lgdf{0f 10,686.4 12,682.2 14,216.5 15,280.1 14,518.3 15,325.3 18.7 12.1 7.5 -5.0 5.6
;]jf 92,037.0 99,749.7 108,980.0 116,350.6 111,736.6 116,690.8 8.4 9.3 6.8 -4.0 4.4
yf]s tyf v'b|f Jofkf/Ù uf8L tyf df]6/;fOsn dd{t
;]jf 25,100.8 27,788.4 32,576.7 35,219.4 31,453.3 33,111.5 10.7 17.2 8.1 -10.7 5.3
oftfoft tyf e08f/0f 10,081.2 10,525.8 11,755.2 12,786.3 11,077.3 11,754.9 4.4 11.7 8.8 -13.4 6.1
cfjf; tyf ef]hg ;]jf 2,742.0 3,109.2 3,488.7 3,834.8 2,416.9 2,687.6 13.4 12.2 9.9 -37.0 11.2
;"rgf tyf ;~rf/ 6,284.0 7,141.6 7,294.2 7,808.4 7,988.0 8,104.1 13.6 2.1 7.0 2.3 1.5
ljQLo dWo:ytf 8,817.0 9,681.0 10,594.1 11,266.7 11,802.1 12,489.5 9.8 9.4 6.3 4.8 5.8
3/hUuf sf/f]af/sf] ;]jf 15,347.8 15,968.9 16,218.1 16,826.9 17,224.9 17,679.5 4.0 1.6 3.8 2.4 2.6
k]zfut, a}1flgs tyf k|fljlws lqmofsnfkx? 1,592.2 1,730.9 1,816.5 1,918.4 1,941.4 1,986.4 8.7 4.9 5.6 1.2 2.3
k|zf;lgs tyf ;xof]uL ;]jfsf lqmofsnfkx? 1,019.8 1,185.9 1,406.7 1,497.2 1,529.5 1,562.6 16.3 18.6 6.4 2.2 2.2
;fj{hlgs k|zf;g tyf /Iff 8,062.5 8,709.5 9,120.0 9,586.5 10,159.5 10,514.4 8.0 4.7 5.1 6.0 3.5
lzIff 9,985.2 10,704.8 11,328.8 12,006.0 12,390.4 12,836.3 7.2 5.8 6.0 3.2 3.6
:jf:Yo tyf ;fdflhs sfo{ 2,155.0 2,314.4 2,450.3 2,614.3 2,750.2 2,929.7 7.4 5.9 6.7 5.2 6.5
cGo ;]jfsf lqmofsnfkx? 849.6 889.4 930.6 985.7 1,003.1 1,034.2 4.7 4.6 5.9 1.8 3.1
s'n d"No clej[l4 -cfwf/e"t d"Nodf_ 170,044.8 184,650.6 198,265.3 210,926.3 206,460.0 214,682.4 8.6 7.4 6.4 -2.1 4.0
pTkflbt j:t'df v'b s/ 16,997.5 19,183.1 21,105.3 23,048.0 22,628.0 23,588.3 12.9 10.0 9.2 -1.8 4.2
s'n ufx{:Yo pTkfbg 187,042.4 203,833.7 219,370.6 233,974.3 229,088.0 238,270.8 9.0 7.6 6.7 -2.1 4.0
;+ – ;+zf]lwt cg'dfg
k|f – k|f/lDes cg'dfg
;|f]tM s]Gb|Lo tYofÍ ljefu
tflnsf @
s'n ufx{:Yo pTkfbg
-k|rlnt d"Nodf_
?= s/f]8df k|ltzt kl/jt{g
2072/73 2073/74 2074/75 2075/76 2076/77 2077/78 2073/74 2074/75 2075/76 2076/77 2077/78
s[lif 66,555.3 72,926.9 77,187.5 83,288.7 90,534.4 96,442.9 9.6 5.8 7.9 8.7 6.5
s[lif, jg tyf dT:o 66,555.3 72,926.9 77,187.5 83,288.7 90,534.4 96,442.9 9.6 5.8 7.9 8.7 6.5
u}/ s[lif 167,584.9 199,129.3 223,914.7 250,959.3 254,879.6 276,884.5 18.8 12.4 12.1 1.6 8.6
pBf]u 33,007.7 39,580.0 45,620.7 50,207.3 46,183.5 48,944.5 19.9 15.3 10.1 -8.0 6.0
vfgL tyf pTvgg 1,358.2 1,566.8 1,845.0 2,199.9 2,044.3 2,153.1 15.4 17.8 19.2 -7.1 5.3
cf}Bf]lus pTkfbg 12,749.3 14,941.6 16,956.5 19,223.0 17,386.1 18,965.7 17.2 13.5 13.4 -9.6 9.1
ljB't, Uof;, jfik tyf jftfg's'lnt cfk"lt{ ;]jf 1,900.4 2,907.2 3,098.1 3,385.9 4,254.5 4,578.2 53.0 6.6 9.3 25.7 7.6
kfgL cfk"lt{, 9n kmf]xf]/ Joj:yfkg tyf k'gM
pTkfbgsf lqmofsnfkx? 1,823.8 1,866.9 1,948.8 1,972.4 2,012.4 2,048.1 2.4 4.4 1.2 2.0 1.8
lgdf{0f 15,176.0 18,297.6 21,772.3 23,426.0 20,486.2 21,199.4 20.6 19.0 7.6 -12.5 3.5
;]jf 134,577.2 159,549.3 178,294.0 200,752.0 208,696.1 227,940.0 18.6 11.7 12.6 4.0 9.2
yf]s tyf v'b|f Jofkf/Ù uf8L tyf df]6/;fOsn dd{t
;]jf 35,077.9 40,148.9 47,365.2 54,304.5 51,956.5 58,501.3 14.5 18.0 14.7 -4.3 12.6
oftfoft tyf e08f/0f 16,057.8 18,409.2 19,786.6 21,579.7 17,901.1 20,266.2 14.6 7.5 9.1 -17.0 13.2
cfjf; tyf ef]hg ;]jf 4,627.6 5,614.9 6,731.5 7,565.0 5,026.1 5,817.3 21.3 19.9 12.4 -33.6 15.7
;"rgf tyf ;~rf/ 6,039.8 6,846.8 7,027.6 7,412.2 7,716.6 8,100.5 13.4 2.6 5.5 4.1 5.0
ljQLo dWo:ytf 12,748.5 15,824.3 18,665.7 20,713.4 23,525.4 25,698.3 24.1 18.0 11.0 13.6 9.2
3/hUuf sf/f]af/sf] ;]jf 21,695.9 24,411.0 26,437.7 29,571.4 31,701.1 35,206.8 12.5 8.3 11.9 7.2 11.1
k]zfut, a}1flgs tyf k|fljlws lqmofsnfkx? 2,329.4 2,696.1 2,978.4 3,272.2 3,524.1 3,972.9 15.7 10.5 9.9 7.7 12.7
k|zf;lgs tyf ;xof]uL ;]jfsf lqmofsnfkx? 1,492.0 1,697.0 1,969.9 2,547.1 2,719.2 2,840.5 13.7 16.1 29.3 6.8 4.5
;fj{hlgs k|zf;g tyf /Iff 13,782.6 18,494.1 19,365.7 21,857.1 27,611.0 28,746.8 34.2 4.7 12.9 26.3 4.1
lzIff 16,126.0 19,782.9 21,954.4 25,158.6 28,845.9 30,035.8 22.7 11.0 14.6 14.7 4.1
:jf:Yo tyf ;fdflhs sfo{ 3,318.7 4,145.5 4,406.2 4,977.6 6,032.8 6,464.3 24.9 6.3 13.0 21.2 7.2
cGo ;]jfsf lqmofsnfkx? 1,281.1 1,478.7 1,605.0 1,793.3 2,136.4 2,289.2 15.4 8.5 11.7 19.1 7.2
s'n d"No clej[l4 -cfwf/e"t d"Nodf_ 234,140.2 272,056.3 301,102.2 334,248.1 345,414.0 373,327.4 16.2 10.7 11.0 3.3 8.1
pTkflbt j:t'df v'b s/ 26,678.2 35,658.2 44,492.7 51,645.0 46,056.1 53,304.7 33.7 24.8 16.1 -10.8 15.7
s'n ufx{:Yo pTkfbg 260,818.4 307,714.5 345,594.9 385,893.0 391,470.1 426,632.1 18.0 12.3 11.7 1.4 9.0
tflnsf #
/fli6«o cfo, nufgL tyf art
-k|rlnt d"Nodf_
?= s/f]8df s'n ufx{:Yo pTkfbg;Fu cg'kft
2072/73 2073/74 2074/75 2075/76 2076/77 2077/78 2075/76 2076/77 2077/78
s'n pkef]u 251,317.2 267,758.5 294,475.9 326,838.3 366,629.5 398,397.0 84.7 93.7 93.4
;/sf/L If]q 20,672.5 26,212.8 27,860.3 31,323.3 35,261.7 36,430.8 8.1 9.0 8.5
lghL If]q 226,646.2 237,059.2 261,717.1 289,638.0 324,642.2 354,527.2 75.1 82.9 83.1
u}/—d'gfkmfsf/L ;+:yfx? 3,998.5 4,486.5 4,898.5 5,877.0 6,725.6 7,439.0 1.5 1.7 1.7
s'n nufgL 73,657.7 114,854.6 136,675.2 159,677.7 111,177.6 131,271.3 41.4 28.4 30.8
s'n l:y/ kF'hL nufgL 74,868.5 94,085.0 112,086.4 130,490.2 111,290.1 116,305.7 33.8 28.4 27.3
;/sf/L If]q 14,282.2 24,353.6 25,322.9 22,187.5 20,683.0 21,019.5 5.7 5.3 4.9
;fj{hlgs ;+:yfg 13,515.7 14,164.2 8,918.4 9,968.2 9,302.5 8,895.7 2.6 2.4 2.1
lghL If]q 47,070.7 55,567.2 77,845.1 98,334.5 81,304.7 86,390.4 25.5 20.8 20.2
:6s kl/jt{g (1,210.8) 20,769.6 24,588.8 29,187.5 (112.5) 14,965.6 7.6 0.0 3.5
s'n cfGtl/s dfu 324,974.9 382,613.1 431,151.1 486,515.9 477,807.1 529,668.3 126.1 122.1 124.2
j:t' tyf ;]jf lgof{{t 21,333.8 24,039.2 27,010.5 30,022.2 26,463.8 21,672.2 7.8 6.8 5.1
j:t' tyf ;]jf cfoft 88,511.1 113,331.9 140,421.3 160,028.3 132,657.6 140,061.8 41.5 33.9 32.8
v'b j:t' tyf ;]jf lgof{{t -67177.3 -89292.7 -113410.8 -130006.0 -106193.8 -118389.6 -33.7 -27.1 -27.7
s'n ufx{:Yo pTkfbg 260,818.4 307,714.5 345,594.9 385,893.0 391,470.1 426,632.1 100.0 100.0 100.0
v'b ;fwg cfo 3,400.4 3,099.5 2,261.5 3,991.6 4,610.1 1,785.0 1.0 1.2 0.4
s'n /fli6«o cfo 264,218.9 310,814.0 347,856.4 389,884.6 396,080.2 428,417.2 101.0 101.2 100.4
v'b 6«fG;\km/ 77,818.7 85,180.1 86,467.1 99,478.5 98,222.1 103,938.3 25.8 25.1 24.4
s'n /fli6«o vr{of]Uo cfDbfgL 342,037.6 395,994.1 434,323.5 489,363.1 494,302.4 532,355.4 126.8 126.3 124.8
s'n ufx{:Yo art 9,501.2 39,956.0 51,119.1 59,054.8 24,840.6 28,235.1 15.3 6.3 6.6
s'n /fli6«o art 90,720.4 128,235.6 139,847.6 162,524.8 127,672.9 133,958.4 42.1 32.6 31.4
tflnsf $
/fli6«o pkef]Qmf d"No ;"rsfÍ
-cfwf/ jif{ M @)&!÷&@ = !))_
2074/75 2075/76 2076/77 2077/78
dlxgf k|ltzt k|ltzt k|ltzt k|ltzt
d"No ;"rsfÍ d"No ;"rsfÍ d"No ;"rsfÍ d"No ;"rsfÍ
kl/jt{g kl/jt{g kl/jt{g kl/jt{g
;fpg 118.3 2.3 123.3 4.2 131.9 7.0 136.5 3.5
ebf} 119.4 3.4 124.0 3.9 131.7 6.2 137.6 4.5
c;f]h 119.2 3.1 124.8 4.7 132.6 6.2 137.6 3.8
sflQs 120.6 3.9 125.6 4.1 132.8 5.8 138.2 4.1
d+l;/ 119.9 4.2 124.4 3.7 132.5 6.6 136.4 2.9
k'; 118.5 4.0 123.9 4.6 132.4 6.8 137.1 3.6
df3 119.0 5.0 124.2 4.4 132.8 6.9 136.3 2.7
kmfu'g 119.1 6.0 124.1 4.2 132.4 6.7 136.4 3.0
r}t 119.5 5.3 124.8 4.4 133.2 6.7 137.4 3.1
j}zfv 120.0 4.1 126.3 5.3 133.7 5.8 138.5 3.7
h]7 120.3 4.1 127.7 6.2 133.5 4.5 139.1 4.2
c;f/ 121.3 4.6 128.6 6.0 134.7 4.8 140.3 4.2
jflif{s 119.6 4.2 125.1 4.6 132.8 6.2 137.6 3.6
tflnsf %
df}lb|s ;j]{If0f
-?= s/f]8df_
jflif{s kl/jt{g
2076 2077 2078 2076/77 2077/78
df}lb|s of]ufÍ
c
c;f/ c;f/ c;f/ /sd k|ltzt /sd k|ltzt
1/ 2/
!= v'b j}b]lzs ;DklQ 98,478.3 132,834.9 133,562.0 28,241.0 28.7 122.7 0.1
!=! j}b]lzs ;DklQ 107,352.7 144,992.8 145,329.5 37,640.1 35.1 336.7 0.2
!=@ j}b]lzs bfloTj 8,874.3 12,157.9 11,767.5 3,283.5 37.0 -390.4 -3.2
s= ljb]zL d'b|f lgIf]k 8,449.0 10,669.3 9,179.5 2,220.3 26.3 -1,489.9 -14.0
v= cGo j}b]lzs bfloTj 425.3 1,488.5 2,588.0 1,063.2 250.0 1,099.5 73.9
1/ 2/
@= v'b cfGtl/s ;DklQ 259,735.5 290,262.1 381,923.3 36,642.3 14.1 92,265.7 31.8
@=! s'n cfGtl/s shf{ 333,851.0 379,261.9 481,062.9 45,410.9 13.6 101,801.1 26.8
s= ;/sf/nfO{ uPsf] v'b shf{ 37,554.6 46,104.4 59,293.0 8,549.8 22.8 13,188.5 28.6
c= ;/sf/dflysf] bfjL 44,120.0 60,221.6 78,762.8 16,101.7 36.5 18,541.1 30.8
cf= ;/sf/L lgIf]k 6,565.4 14,117.2 19,469.8 7,551.8 115.0 5,352.6 37.9
v= u}+/–ljQLo ;/sf/L ;+:yfx?nfO{ uPsf] shf{ 969.3 870.3 751.3 -99.1 -10.2 -119.0 -13.7
u= ljQLo ;+:yfx?nfO{ uPsf] shf{ 4,299.5 4,598.0 7,063.2 298.5 6.9 2,465.2 53.6
c= ;/sf/L 160.7 156.0 161.6 -4.7 -2.9 5.5 3.5
cf= u}/–;/sf/L 4,138.8 4,441.9 6,901.6 303.2 7.3 2,459.7 55.4
3= lghL If]qnfO{ uPsf] shf{ 291,027.6 327,689.2 413,955.5 36,661.6 12.6 86,266.3 26.3
1/ 2/
@=@ v'b cdf}lb|s bfloTj 74,115.5 88,999.8 99,139.6 8,768.6 11.8 9,535.4 10.7
#= lj:t[t d'b|f k|bfo -Pd@_ 358,213.8 423,097.0 515,485.3 64,883.2 18.1 92,388.3 21.8
#=! d'b|f k|bfo -s±v_, Pd!± 209,375.8 236,830.5 296,426.5 27,454.6 13.1 59,596.1 25.2
s= d'b|f k|bfo -Pd!_ 72,664.3 85,626.1 104,941.0 12,961.8 17.8 19,314.9 22.6
d'b|f 42,320.4 49,039.6 57,197.2 6,719.2 15.9 8,157.5 16.6
rNtL lgIf]k 30,343.8 36,586.4 47,743.8 6,242.6 20.6 11,157.4 30.5
v= art tyf sn lgIf]k 136,711.6 151,204.4 191,485.5 14,492.8 10.6 40,281.2 26.6
#=@= cfjlws lgIf]k 148,837.9 186,266.5 219,058.8 37,428.6 25.1 32,792.3 17.6
$= lj:t[t df}lb|s t/ntf -Pd#_ 366,662.8 433,766.3 524,664.8 67,103.5 18.3 90,898.5 21.0
c
ckl/is[t
1/ ljb]zL ljlgdo d"NofÍg gfkmf ?=^! ca{ !^ s/f]8 ;dfof]hg .
2/ ljb]zL ljlgdo d"NofÍg gf]S;fg ?= ^ ca{ $ s/f]8 ;dfof]hg .
tflnsf ^
Aofhb/ ;+/rgf
-k|ltzt k|ltjif{_
jif{ 2075 2076 2077 2077 2077 2077 2078
dlxgf c;f/ c;f/ c;f/ c;f]h k'; r}t c;f/
s= gLltut b/
clgjfo{
lgwf{ gub
l/t l/kf] b/ df} Hbft/_ -;Lcf/cf/_
-sl/8f] 5.0 5.0 3.5 3.0 3.0 3.0 3.0
lgwf{l/t lgIf]k ;+sng b/ -sl/8f]/_ 3.0 3.5 2.0 1.0 1.0 1.0 1.0
:yfoL t/ntf ;'ljwf Aofhb/^ 7.0 6.5 5.0 5.0 5.0 5.0 5.0
a}+s b/ 7.0 6.5 5.0 5.0 5.0 5.0 5.0
v= k'g/shf{ b/
n3', 3/]n' tyf ;fgf pBd k'g/shf{# 3.0 3.0 2.0 2.0 2.0 2.0 2.0
ljz]if k'g/shf{ 1.0 1.0 1.0 1.0 1.0 1.0 1.0
;fwf/0f k'g/shf{ 4.0 4.0 3.0 3.0 3.0 3.0 3.0
lgof{tsf] nflu ljb]zL d'b|fdf lbOg] shf{ nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25
u= clgjfo{ gub df}Hbft -;Lcf/cf/_
jfl0fHo a}+s 6.0 4.0 3.0 3.0 3.0 3.0 3.0
ljsf; a}+s 5.0 4.0 3.0 3.0 3.0 3.0 3.0
ljQ sDkgL 4.0 4.0 3.0 3.0 3.0 3.0 3.0
3= ;/sf/L ;'/If0f
6«]h/L laN; -@* lbg]_* 3.07 4.33 0.11 0.11 0.11 0.70 4.68
6«]h/L laN; -(! lbg]_* 3.7 5.0 1.3 0.6 0.9 2.8 4.6
6«]h/L laN; -!*@ lbg]_* 4.4 5.0 2.0 1.3 1.2 2.9 4.4
6«]h/L laN; -#^$ lbg]_* - 4.8 2.3 2.0 1.7 3.3 4.2
ljsf; C0f kq 2.65-6.5 2.65-6.5 2.65-6.97 2.65-6.97 2.65-6.97 2.65-6.97 2.65-6.97
/fli6«o/gful/s art kq 6.0-8.5 8.0-9.0 8.0-9.0 8.0-9.0 8.0-9.0 8.0-9.0 8.0-9.0
ª= cf};t cGt/a}+s b/ $ - - - 0.17 0.18 2.03 4.14
r= cGt/a}+s sf/f]af/ b/ -jfl0fHo a}+s_ 2.96 4.52 0.35 0.11 0.14 2.03 4.12
5= efl/t cf};t lgIf]k Aofhb/ -jfl0fHo a}+s_ 6.49 6.60 6.01 5.45 5.00 4.79 4.65
h= efl/t cf};t shf{ Aofhb/ -jfl0fHo a}+s_ 12.47 12.13 10.11 9.83 9.09 8.61 8.43
em= cfwf/ Aofhb/ -jfl0fHo a}+s_ 10.47 9.57 8.50 7.73 7.18 6.90 6.86
^
@)^( ebf}+ ! ut]b]lv a}+s b/d} :yfoL t/ntf ;'ljwf k|bfg ug{ yflnPsf] .
* efl/t cf};t Aofh b/
# @)&& c;f/;Dd ;fgf tyf demf}nf pBd k'g/shf{sf] ?kdf /x]sf] .
$ cfly{s jif{ @)&&÷&* b]lv df}lb|s gLltsf] ;~rfng nIosf] ?kdf /x]sf] .
tflnsf &
df}lb|s Joj:yfkg
-?= s/f]8df_
zLif{s 2075÷76 2076÷77 2077÷78
s= t/ntf k|jfx 32,248.9 21,915.5 43,827.7
!= l/kf] 16,246.0 10,855.0 5,000.0
@= ;f]em} vl/b - - -
#= l/kf] af]nsaf]n * 570.0 732.2 1,793.7
$= :yfoL t/ntf ;'ljwf 15,432.9 10,328.3 37,034.0
v= t/ntf k|zf]rg 10,035.0 7,800.0 30,329.0
!= l/e;{ l/kf] 2,070.0 4,800.0 10,954.0
@= ;f]em} laqmL - - -
#= lgIf]k ;+sng af]nsaf]n 7,965.0 3,000.0 19,375.0
$= lgIf]k ;+sng af]nsaf]n * - - -
u= v'b t/ntf k|jfx -±_÷k|zf]rg -–_ 22,213.9 14,115.5 13,498.7
* Aofhb/ sl/8f]/ cGtu{tsf] sf/f]jf/
tflnsf *
l/kf] af]nsaf]n
-?= s/f]8df_
& lbg] !$ lbg]
dlxgf @)&^÷&& @)&&÷&* @)&^÷&& @)&&÷&*
/sd Aofh b/* /sd Aofh b/* /sd Aofh b/* /sd Aofh b/*
-k|ltzt_ -k|ltzt_ -k|ltzt_ -k|ltzt_
;fpg - - - - - - - -
ebf} - - - - - - - -
c;f]h 3,855.0 4.60 - - - - - -
sflQs - - - - - - - -
d+l;/ - - - - - - - -
k'; - - - - - - - -
df3 5,000.0 4.74 - - - - - -
kmfu'g 2,000.0 4.75 - - - - - -
r}t - - - - - - - -
a}zfv - - - - - - 2,000.0 3.15
h]7 - - - - - - 3,000.0 3.38
c;f/ - - - - - - - -
s'n hDdf 10,855.0 4.69 - - - - 5,000.0 3.29
tflnsf (
l/e;{ l/kf] af]nsaf]n
-?= s/f]8df_
& lbg] @* lbg] () lbg]
dlxgf @)&^÷&& @)&&÷&* @)&^÷&& @)&&÷&* @)&^÷&& @)&&÷&*
/sd Aofh b/* /sd Aofh b/* /sd Aofh b/* /sd Aofh b/* /sd Aofh b/* /sd Aofh b/*
-k|ltzt_ -k|ltzt_ -k|ltzt_ -k|ltzt_ -k|ltzt_ -k|ltzt_
;fpg - - 6,000.0 0.03 - - - - - - - -
ebf} - - - - - - - - - - - -
c;f]h - - - - - - - - - - - -
sflQs - - - - - - - - - - - -
d+l;/ - - - - - - - - - - - -
k'; 2,800.0 2.31 - - - - 2,000.0 0.22 - - 954.0 1.29
df3 - - - - - - - - - - - -
kmfu'g - - 2,000.0 0.37 - - - - - - - -
r}t - - - - - - - - - - - -
a}zfv - - - - - - - - - - - -
h]7 2,000.0 1.28 - - - - - - - - - -
c;f/ - - - - - - - - - - - -
s'n hDdf 4,800.0 1.88 8,000.0 0.12 - - 2,000.0 0.22 - - 954.0 1.29
tflnsf !)
lgIf]k ;+sng af]nsaf]n
-?= s/f]8df_
!% lbg] @* lbg]
dlxgf @)&^÷&& @)&&÷&* @)&^÷&& @)&&÷&*
/sd Aofhb/* /sd Aofhb/* /sd Aofhb/* /sd Aofhb/*
;fpg 3,000.0 0.84 - - - - - -
ebf} - - - - - - - -
c;f]h - - - - - - 3,000.0 0.40
sflQs - - - - - - - -
d+l;/ - - - - - - 7,180.0 0.56
k'; - - - - - - 5,000.0 0.46
df3 - - - - - - 4,195.0 0.62
kmfu'g - - - - - - - -
r}t - - - - - - - -
a}zfv - - - - - - - -
h]7 - - - - - - - -
c;f/ - - - - - - - -
s'n 3,000.0 0.84 - - - - 19,375.0 0.52
*efl/t cf};t Aofh b/ k|ltzt
tflnsf !!
Aofhb/ sl/8f]/
-?= s/f]8df_
lgIf]k af]nsaf]n -& lbg]_ l/kf] af]nsaf]n -cf]e/gfO6_
dlxgf @)&^÷&& @)&&÷&* @)&^÷&& @)&&÷&*
/sd Aofhb/* /sd Aofhb/* /sd Aofhb/* /sd Aofhb/*
;fpg - - - - - - - -
ebf} - - - - - - - -
c;f]h - - - - 97.1 4.50 - -
sflQs - - - - - - - -
d+l;/ - - - - - - - -
k'; - - - - - - - -
df3 - - - - 211.8 4.50 - -
kmfu'g - - - - 234.9 4.50 - -
r}t - - - - - - 34.1 3.00
a}zfv - - - - 188.5 3.50 533.5 3.00
h]7 - - - - - - 361.3 3.00
c;f/ - - - - - - 864.8 3.00
s'n - - - - 732.2 4.24 1,793.7 3.00
tflnsf !@
:yfoL t/ntf ;'ljwf
-?= s/f]8df_
@)&^÷&& @)&&÷&*
dlxgf
/sd Aofhb/* /sd Aofhb/*
;fpg 330.0 6.00 - -
ebf} 3,072.0 6.00 - -
c;f]h 1,578.0 6.00 - -
sflQs 75.0 6.00 - -
d+l;/ - - - -
k'; 200.0 6.00 - -
df3 1,700.0 6.00 - -
kmfu'g - - 200.0 5.00
r}t 350.7 5.56 512.0 5.00
a}zfv 2,752.6 5.00 6,757.0 5.00
h]7 270.0 5.00 5,858.0 5.00
c;f/ - 5.00 23,707.0 5.00
s'n 10,328.3 5.69 37,034.0 5.00
tflnsf !#
;/sf/L ljQ l:ylt
-a}lsª sf/f]jf/df cfwfl/t_
+
-c;f/ d;fGtsf] tYofÍdf cfwfl/t_
-?=s/f]8df_
k|ltzt kl/jt{g
zLif{s 2075/76* 2076/77 2077/78
2076/77 2077/78
s'n vr{ 106729.0 103802.6 116025.9 -2.7 11.8
rfn' 71204.3 - - - -
k'FhLut 23230.9 - - - -
ljQLo Joj:yf 12293.8 - - - -
s'n ;fwg 88678.5 77057.7 89229.4 -13.1 15.8
/fh:j tyf cg'bfg 88678.5 72300.1 85187.4 -18.5 17.8
/fh:j 87178.2 79378.4 93832.2 -8.9 18.2
;+3Lo ;/sf/ - 70443.1 82701.2 - 17.4
k|b]z / :yfgLo ;/sf/ -x:tfGt/0f_ - 8935.3 11131.0 - 24.6
j}b]lzs cg'bfg 1500.3 1857.0 2486.2 23.8 33.9
cGo k|flKt 0.0 4757.6 4042.0 - -15.0
ah]6 art÷3f6f -18050.5 -26745.0 -26796.5 48.2 0.2
3f6f Joxf]l/g] ;|f]tx? 17011.0 33378.1 32240.0 96.2 -3.4
cfGtl/s C0f 9561.9 19348.6 22277.9 102.3 15.1
cfGtl/s ;fk6L 9638.2 19464.2 22400.9 101.9 15.1
s= 6«]h/L laN; 2643.5 9300.0 9000.0 251.8 -3.2
v= ljsf; C0fkq 6994.7 10000.0 13000.0 43.0 30.0
u= /fli6«o artkq 0.0 0.0 0.0 - -
3= gful/s artkq 0.0 160.5 395.4 - -
ª= j}b]lzs /f]huf/L artkq 0.0 3.7 5.5 - 48.8
clwljsif{ 0.0 0.0 0.0 - -
cGo @ -76.3 -115.7 -123.0 51.7 6.4
;fFjf lkmtf{ tyf z]o/ ljljlws/0f 306.6 178.8 322.4 -41.7 80.3
j}b]lzs C0f 7142.4 13850.8 9639.8 93.9 -30.4
;+3Lo ;/sf/sf] s'n pknAw ;|f]t -1039.5 6633.2 5443.5 -738.1 -17.9
k|b]z ;/sf/ vr{ - 15387.1 18875.0 - 22.7
k|b]z ;/sf/ ;|f]t - 14882.6 15994.8 - 7.5
s= ;+3Lo ;/sf/af6 k|fKt cg'bfg tyf /fh:j - 10933.2 11858.9 - 8.5
v= /fh:j tyf k|flKt - 3949.3 4136.0 - 4.7
k|b]z ;/sf/sf] ah]6 art÷3f6f - -504.5 -2880.2 - 470.9
:yfgLo txsf] vftfdf /x]sf] df}Hbft -kl/jt{g_ -2381.1 1616.6 1534.2 -167.9 -5.1
;/sf/L sf]if vftfdf ePsf] df}Hbft -kl/jt{g_ -1792.5 -193.4 1255.1 -89.2 -749.0
d'=c=s= sf]if vftf -4.3 -6.5 -8.9 51.1 38.1
eG;f/ sf]]if vftf -15.7 -79.3 33.2 406.3 -141.8
k'g{lgdf{0f sf]]if vftf -2828.7 - - - -
cGo cfo** 1056.1 -107.6 1230.8 -110.2 -1243.9
rfn" df}Hbft -5213.1 7551.8 5352.6 -244.9 -29.1
*cf=j= @)&%÷&^ b]lv ;/sf/L ljQ l:yltdf ;+3Lo ;/sf/sf] tYofÍ dfq ;dfj]z ul/Psf] . @)&%÷&^ sf] /fh:j kl/rfng cGtu{t ;+3Lo ;/sf/sf] /fhZj tyf k|b]z ;/sf/ / :yfgLo txnfO{
hfg] ljefHo sf]ifsf] /sdnfO{ ;d]l6Psf] .
+
k|:t't tYofÍ ;/sf/L sf/f]jf/ ug]{ g]kfn /fi6« a}+s nufot ;/sf/L sf/f]af/ ug]{ ;Dk"0f{ jfl0fHo a}+sx?af6 k|fKt tYofÍdf cfwfl/t /x]sf] . To;}u/L, *! j6} lhNnfl:yt sf]if tyf n]vf lgoGqs
sfof{nox? / e'QmfgL s]Gb|x?af6 k|fKt lgsf;f ljj/0fdf cfwfl/t /x]sf] .
@
g]kfn ;/sf/sf] sf/f]jf/af6 cflh{t Aofh tyf cGo .
** Uof/]G6L l8kf]lh6, ck/];gn km08, cfsl:ds sf]if nufotsf] /sd ;dfj]z .
tflnsf !$
g]kfn ;/sf/sf] s'n cfGtl/s C0f
-?= s/f]8df_
l;=g+= C0fkqx? tyf :jfldTj c;f/ /sd kl/jt{g
2076 2077 2078 2076/77 2077/78
! 6«]h/L laN; 14679.3 21521.8 27959.2 6842.5 6437.3
s= g]kfn /fi6« a}+s 1847.3 2132.0 1547.3 284.7 -584.7
v= jfl0fHo a}+sx? 12509.5 18332.7 23528.2 5823.2 5195.5
u= ljsf; a}+sx? 296.1 957.2 1906.4 661.1 949.1
3= ljQ sDkgLx? 26.2 71.9 940.3 45.7 868.3
ª= cGo 0.2 28.0 37.0 27.8 9.0
@ ljsf; C0fkq 29734.7 38994.7 51394.7 9260.0 12400.0
s= g]kfn /fi6« a}+s 4403.3 4355.7 4112.9 -47.6 -242.7
v= jfl0fHo a}+sx? 22979.3 30805.5 41636.0 7826.2 10830.4
u= ljsf; a}+sx? 1271.5 2181.6 3769.5 910.1 1587.9
3= ljQ sDkgLx? 506.0 1190.4 1303.9 684.4 113.4
ª= cGo 574.6 461.5 572.5 -113.1 111.0
# /fli6«o artkq 0.0 0.0 0.0 0.0 0.0
s= g]kfn /fi6« a}+s 0.0 0.0 0.0 0.0 0.0
v= jfl0fHo a}+sx? 0.0 0.0 0.0 0.0 0.0
u= ljsf; a}+sx? 0.0 0.0 0.0 0.0 0.0
3= ljQ sDkgLx? 0.0 0.0 0.0 0.0 0.0
ª= cGo 0.0 0.0 0.0 0.0 0.0
$ gful/s artkq 837.6 764.2 659.6 -73.4 -104.6
s= g]kfn /fi6« a}+s 279.5 193.5 14.3 -86.0 -179.2
v= jfl0fHo a}+sx? 0.0 0.0 0.0 0.0 0.0
u= ljsf; a}+sx? 0.0 0.0 0.0 0.0 0.0
3= ljQ sDkgLx? 0.0 0.0 0.0 0.0 0.0
ª= cGo 558.1 570.7 645.3 12.5 74.6
% a}b]lzs /f]huf/ artkq 45.1 40.5 18.6 -4.7 -21.9
s= g]kfn /fi6« a}+s 1.3 1.1 0.3 -0.2 -0.8
v= cGo 43.9 39.4 18.3 -4.5 -21.2
^ s'n cfGtl/s C0f 45296.7 61321.2 80032.0 16024.5 18710.8
s= g]kfn /fi6« a}+s 6531.3 6682.3 5674.9 150.9 -1007.4
v= jfl0fHo a}+sx? 35488.8 49138.2 65164.2 13649.4 16025.9
u= ljsf; a}+sx? 1567.6 3138.8 5675.8 1571.2 2537.1
3= ljQ sDkgLx? 532.2 1262.4 2244.1 730.2 981.8
ª= cGo 1176.8 1099.6 1273.0 -77.2 173.5
& g]kfn ;/sf/sf] g]kfn /fi6« a}+sdf
/x]sf] lgIf]k -clwljsif{ -±_÷art- -6565.4 -14117.2 -19469.78 -7551.8 -5352.6
–__
tflnsf !%
g]kfn ;/sf/sf] v'b cfGtl/s C0f kl/rfng
-?= s/f]8df_
@)&% c;f/ @)&^ c;f/ @)&& c;f/ @)&* c;f/
s'n ufx{:Yo s'n ufx{:Yo s'n ufx{:Yo
s'n ufx{:Yo
pTkfbg;Fusf] pTkfbg;Fusf] pTkfbg;Fusf]
l;=g+= ljj/0f /sd /sd /sd /sd pTkfbg;Fusf] cg'kft
cg'kft cg'kft cg'kft
-k|ltztdf_
-k|ltztdf_ -k|ltztdf_ -k|ltztdf_
s cfGtl/s C0f kl/rfng 14474.7 4.2 9638.2 2.5 19464.2 5.0 22400.9 5.3
6«]h/L laN; 7195.9 2.1 2643.5 0.7 9300.0 2.4 9000.0 2.1
ljsf; C0fkq 7200.0 2.1 6994.7 1.8 10000.0 2.6 13000.0 3.0
/fli6«o artkq 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
gful/s artkq 75.1 0.0 0.0 0.0 160.5 0.0 395.4 0.1
j}b]lzs /f]huf/ artkq 3.7 0.0 0.0 0.0 3.7 0.0 5.5 0.0
v cfGtl/s C0f e'QmfgL 3752.0 1.1 3431.3 0.9 3439.8 0.9 3690.1 0.9
6«]h/L laN; 3752.0 1.1 2449.0 0.6 2457.5 0.6 2562.7 0.6
ljsf; C0fkq 0.0 0.0 850.0 0.2 740.0 0.2 600.0 0.1
/fli6«o artkq 0.0 0.0 90.7 0.0 0.0 0.0 0.0 0.0
gful/s artkq 0.0 0.0 34.0 0.0 233.9 0.1 500.0 0.1
j}b]lzs /f]huf/ artkq 0.0 0.0 7.6 0.0 8.4 0.0 27.5 0.0
u g]kfn ;/sf/sf] v'b cfGtl/s C0f -s-v_ 10722.7 3.1 6206.9 1.6 16024.4 4.1 18710.8 4.4
6«]h/L laN; 3443.9 1.0 194.5 0.1 6842.5 1.7 6437.3 1.5
ljsf; C0fkq 7200.0 2.1 6144.7 1.6 9260.0 2.4 12400.0 2.9
/fli6«o artkq 0.0 0.0 -90.7 0.0 0.0 0.0 0.0 0.0
gful/s artkq 75.1 0.0 -34.0 0.0 -73.4 0.0 -104.6 0.0
j}b]lzs /f]huf/ artkq 3.7 0.0 -7.6 0.0 -4.7 0.0 -21.9 0.0
3 s'n ufx{:Yo pTkfbg 345594.9 100.0 385893.0 100.0 391470.1 100.0 426632.1 100.0
tflnsf !^
j}b]lzs Jofkf/+
-?= s/f]8df_
jflif{s k|ltzt kl/jt{g
ljj/0f 2075/76 2076/77 2077/78 2076/77 2077/78
s'n lgof{t 9711.0 9770.9 14112.4 0.6 44.4
ef/t 6273.2 7010.9 10637.2 11.8 51.7
rLg 211.0 119.1 101.6 -43.5 -14.7
cGo d'n's 3226.8 2640.9 3373.6 -18.2 27.7
s'n cfoft 141853.5 119679.9 153983.7 -15.6 28.7
ef/t 91792.2 73529.5 97160.4 -19.9 32.1
rLg 20551.9 18192.0 23392.3 -11.5 28.6
cGo d'n's 29509.4 27958.4 33431.0 -5.3 19.6
Jofkf/ ;Gt'ng -132142.6 -109909.0 -139871.3 -16.8 27.3
ef/t -85519.0 -66518.6 -86523.2 -22.2 30.1
rLg -20340.9 -18072.9 -23290.7 -11.1 28.9
cGo d'n's -26282.7 -25317.5 -30057.4 -3.7 18.7
s'n Jofkf/ 151564.5 129450.8 168096.1 -14.6 29.9
ef/t 98065.4 80540.4 107797.6 -17.9 33.8
rLg 20762.8 18311.1 23493.9 -11.8 28.3
cGo d'n's 32736.2 30599.3 36804.6 -6.5 20.3
!= lgof{t cfoft cg'kft 6.8 8.2 9.2
ef/t 6.8 9.5 10.9
rLg 1.0 0.7 0.4
cGo d'n's 10.9 9.4 10.1
@= s'n lgof{tdf c+z
ef/t 64.6 71.8 75.4
rLg 2.2 1.2 0.7
cGo d'n's 33.2 27.0 23.9
#= s'n cfoftdf c+z
ef/t 64.7 61.4 63.1
rLg 14.5 15.2 15.2
cGo d'n's 20.8 23.4 21.7
$= s'n Jofkf/ 3f6fdf c+z
ef/t 64.7 60.5 61.9
rLg 15.4 16.4 16.7
cGo d'n's 19.9 23.0 21.5
%= s'n Jofkf/df c+z
ef/t 64.7 62.2 64.1
rLg 13.7 14.1 14.0
cGo d'n's 21.6 23.6 21.9
^= s'n Jofkf/df lgof{t cfoftsf] c+z
lgof{t 6.4 7.5 8.4
cfoft 93.6 92.5 91.6
+
eG;f/ tYof+sdf cfwfl/t
tflnsf !&
zf]wgfGt/ l:ylt
-?= s/f]8df_
jflif{s k|ltzt kl/jt{g
ljj/0f
2075/76 2076/77 2077/78c 2076/77 2077/78c
s= rfn' vftf -26697.0 -3376.3 -33367.2 -87.4 -

lgof{t, Pkm=cf]=aL= 11368.6 10828.8 14374.5 -4.7 32.7
t]n 1598.6 959.0 222.7 -40.0 -76.8
cGo 9770.0 9869.8 14151.7 1.0 43.4
cfoft, Pkm=cf]=aL= -139887.6 -116926.1 -149920.2 -16.4 28.2
t]n -21553.9 -16692.9 -17632.0 -22.6 5.6
cGo -118333.7 -100233.3 -132288.1 -15.3 32.0
Jofkf/ ;Gt'ng -128518.9 -106097.3 -135545.7 -17.4 27.8
v'b ;]jf cfo -1435.7 -96.5 -7285.3 -93.3 -
;]jf cfo 18573.9 15635.0 7907.0 -15.8 -49.4
ofqf 7514.3 6088.5 726.6 -19.0 -88.1
cGoq gk/]sf] ;/sf/L cfo 2184.2 1233.8 633.2 -43.5 -48.7
cGo 8875.4 8312.6 6547.2 -6.3 -21.2
;]jf e'QmfgL -20009.6 -15731.4 -15192.2 -21.4 -3.4
oftfoft -6574.7 -6834.0 -8097.4 3.9 18.5
ofqf -8908.0 -5313.7 -3280.0 -40.3 -38.3
h;df lzIff dfq -4624.0 -2581.3 -2495.9 -44.2 -3.3
;/sf/L vr{ -470.4 -240.8 -367.4 -48.8 52.5
cGo -4056.6 -3342.8 -3447.5 -17.6 3.1
Jofkf/ tyf ;]jf If]qsf] ;Gt'ng -129954.7 -106193.8 -142830.9 -18.3 34.5
v'b cfo 3582.2 4595.4 2328.6 28.3 -49.3
cfo k|fKtL 7570.4 6805.5 6087.9 -10.1 -10.5
cfo e'QmfgL -3988.2 -2210.2 -3759.3 -44.6 70.1
Jofkf/, ;]jf tyf cfo ;Gt'ng -126372.5 -101598.4 -140502.4 -19.6 38.3
v'b 6«fG;km/ 99675.4 98222.1 107135.2 -1.5 9.1
6«fG;km/ cfo 100569.3 98767.4 107741.4 -1.8 9.1
cg'bfg 6463.1 5192.6 5734.1 -19.7 10.4
lghL If]qsf] ljk|]if0f 87936.7 87502.7 96105.5 -0.5 9.8
k]G;g 6152.8 5781.8 5859.5 -6.0 1.3
cGo 16.7 290.3 42.4 - -85.4
6«fG;km/ e'QmfgL -893.9 -545.2 -606.2 -39.0 11.2
v= k"FhL vftf -k"FhL 6«fG;km/_ 1545.9 1421.3 1526.4 -8.1 7.4
hDdf -s±v_ -25151.2 -1955.0 -31840.8 -92.2 -
u= ljQLo vftf -;d"x ª afx]s_ 9708.9 27874.8 25245.9 187.1 -9.4
k|ToIf j}b]lzs nufgL cfk|jfx 1306.5 1947.9 1951.3 49.1 0.2
kf]6{kmf]lnof] nufgL 0.0 0.0 0.0 - -
cGo nufgL ;DklQ -2747.4 -630.4 -583.8 -77.1 -7.4
Jofkfl/s ;fv 1057.0 -608.3 -588.2 - -3.3
cGo -3804.4 -22.1 4.4 -99.4 -
cGo nufgL bfloTj 11149.8 26557.4 23878.4 138.2 -10.1
Jofkfl/s ;fv 3710.7 8223.8 14185.3 121.6 72.5
C0f 6356.2 14959.9 10084.1 135.4 -32.6
;/sf/ 6143.8 13901.6 9069.4 126.3 -34.8
C0f k|fKtL 8147.7 16257.6 11205.1 99.5 -31.1
;fFjf e'QmfgL -2003.9 -2356.0 -2135.6 17.6 -9.4
cGo If]q 212.4 1058.3 1014.7 398.4 -4.1
s/]G;L tyf l8kf]lh6 1063.8 3370.6 -390.4 216.9 -
g]kfn /fi6« a}+s 2.7 2.6 2.3 -4.2 -13.0
jfl0fHo a}+s 1061.0 3368.0 -392.6 217.4 -
cGo bfloTj 19.1 3.0 -0.7 -84.2 -
hDdf -s±v±u_ -15442.2 25919.9 -6595.0 - -
3= ljljw k"FhL tyf e'nr's 9765.9 5691.7 6327.3 -41.7 11.2
hDdf -s±v±u±3_ -5676.3 31611.6 -267.7 - -
ª= l/he{ tyf ;DalGwt lzif{s 5676.3 -31611.6 267.7 - -
l/he{ ;DklQ 5764.4 -31524.5 267.7 - -
g]kfn /fi6« a}+s 8085.8 -27622.1 -1888.9 - -93.2
jfl0fHo a}+s -2321.3 -3902.4 2156.6 68.1 -
cfO{=Pd=Pkm= shf{ pkof]u -88.1 -87.1 0.0 -1.2 -
v'b j}b]lzs ;DklQdf kl/jt{g -–j[l4_ 6740.0 -28241.0 -122.7 - -99.6
c – ckl/is[t
tflnsf !*
a}lsË If]q;Fu /x]sf] s'n ljb]zL ljlgdo ;l~rlt
-?= s/f]8df_
c;f/ k|ltzt kl/jt{g
2076 2077 2078 @)&^÷@)&& @)&&÷@)&*
s_ g]kfn /fi6« a}+s -!±@_ 93705.2 127421.4 129890.3 36.0 1.9
!= ;'g, P;=l8=cf/=, cfOPdPkmdf /x]sf] l/hj{ 3460.8 4809.1 5427.0 39.0 12.8
@= ljb]zL ljlgdo ;l~rlt 90244.4 122612.2 124463.4 35.9 1.5
kl/jTo{ 66790.2 92100.1 92591.9 37.9 0.5
ckl/jTo{ 23454.2 30512.2 31871.4 30.1 4.5
v_ a}+s tyf ljQLo ;+:yf * 13647.5 17571.4 15439.2 28.8 -12.1
kl/jTo{ 12551.5 16128.6 13793.9 28.5 -14.5
ckl/jTo{ 1096.0 1442.8 1645.3 31.6 14.0
u_ s'n ljb]zL ljlgdo ;l~rlt 103891.9 140183.6 139902.5 34.9 -0.2
kl/jTo{ 79341.7 108228.6 106385.8 36.4 -1.7
s'n ;l~rltdf c+z -k|ltztdf_ 76.4 77.2 76.0 - -
ckl/jTo{ 24550.1 31955.0 33516.7 30.2 4.9
s'n ;l~rltdf c+z -k|ltztdf_ 23.6 22.8 24.0 - -
3_ s'n a}b]lzs ;DklQ -s±v_ 107352.7 144992.8 145329.5 35.1 0.2
cfoft Ifdtf -dlxgfdf_
s'n ljb]zL ljlgdo ;l~rlt
j:t' 8.9 14.4 11.2 - -
j:t' tyf ;]jf 7.8 12.7 10.2 - -
s'n a}b]lzs ;DklQ
j:t' 9.2 14.9 11.6 - -
j:t' tyf ;]jf 8.1 13.1 10.6 - -
ª_ j}b]lzs bfloTj 8874.3 12157.9 11767.5 37.0 -3.2
r_ v'b j}b]lzs ;DklQ -3-ª_ 98478.3 132834.9 133562.0 34.9 0.5
5_ v'b j}b]lzs ;DklQdf kl/jt{g -ljlgdo d"Nof+sg
**
;dfof]hg k"j{_ 6950.9 -34356.6 -727.1 - -
h_ ljb]zL ljlgdo d"Nof+sg --3f6f_ -210.8 6115.6 604.4 - -
***
em_ v'b j]b]lzs ;DklQdf kl/jt{g --j[l4_ -5+h_ 6740.0 -28241.0 -122.7 - -
d;fGtsf] vl/b b/ -k|lt cd]l/sL 8n/_M 109.36 120.37 119.04
c – ckl/is[t
*
g]kfn /fi6« a}+saf6 O{hfhtk|fKt æsÆ, ævÆ / æuÆ ju{sf a}+s tyf ljQLo ;+:yfx?
**
v'b j}b]lzs ;DklQsf] kl/jt{g c;f/ d;fGtsf] tYofÍnfO{ cfwf/ dfgL lnOPsf] / -–_ lrGxn] j[l4 ePsf] hgfp5 .
***
ljb]zL ljlgdo d"Nof+sg gfkmf÷3f6f ;dfof]hg kZrft .
tflnsf !(
ljb]zL d'b|f vl/b÷laqmL
-/sd s/f]8df_
kl/jTo{ ljb]zL d'b|f vl/b÷ laqmL ef?= vl/b
@)&^÷&& @)&&÷&*
dlxgf @)&^÷&& @)&&÷&*
vl/b laqmL v'b t/ntf k|jfx÷k|zf]rg vl/b laqmL v'b t/ntf k|jfx÷k|zf]rg
cd]l/sL 8n/ cd]l/sL 8n/ cd]l/sL 8n/ cd]l/sL 8n/ cd]l/sL 8n/ cd]l/sL 8n/ cd]l/sL 8n/ cd]l/sL 8n/
?= s/f]8df ?= s/f]8df ?= s/f]8df ?= s/f]8df ?= s/f]8df ?= s/f]8df ef? Vl/b ef? Vl/b
s/f]8df s/f]8df s/f]8df s/f]8df s/f]8df s/f]8df laqmL laqmL
;fpg 18.2 2,052.1 0.4 40.9 17.9 2,011.2 43.6 5,219.5 - - 43.6 5,219.5 2,925.5 42.0 2,398.0 32.0
ebf} 28.2 3,234.5 - - 28.2 3,234.5 27.9 3,307.6 - - 27.9 3,307.6 2,581.0 36.0 1,626.1 22.0
c;f]h 43.8 4,976.1 - - 43.8 4,976.1 52.9 6,216.1 - - 52.9 6,216.1 1,992.4 28.0 2,203.6 30.0
sflQs 30.2 3,433.8 - - 30.2 3,433.8 45.3 5,362.4 - - 45.3 5,362.4 2,561.3 36.0 2,815.4 38.0
d+l;/ 21.9 2,502.8 - - 21.9 2,502.8 17.6 2,078.6 - - 17.6 2,078.6 2,289.2 32.0 2,954.2 40.0
k'; 27.9 3,181.5 - - 27.9 3,181.5 24.8 2,917.4 - - 24.8 2,917.4 1,997.3 28.0 3,084.7 42.0
df3 31.7 3,605.9 - - 31.7 3,605.9 13.6 1,585.2 2.0 237.8 11.6 1,347.4 2,845.2 40.0 2,630.2 36.0
kmfu'g 47.9 5,572.1 - - 47.9 5,572.1 19.0 2,218.6 - - 19.0 2,218.6 2,597.3 36.0 3,203.1 44.0
r}t 16.7 2,005.4 - - 16.7 2,005.4 33.5 3,960.5 1.2 136.1 32.3 3,824.4 2,091.3 28.0 4,378.3 60.0
a}zfv 34.1 4,141.8 - - 34.1 4,141.8 26.1 3,104.9 - - 26.1 3,104.9 915.9 12.0 3,727.7 50.0
h]7 58.0 7,010.9 - - 58.0 7,010.9 13.7 1,600.4 1.5 179.4 12.2 1,421.0 2,267.7 30.0 1,602.2 22.0
c;f/ 62.5 7,548.0 - - 62.5 7,548.0 49.1 5,836.4 - - 49.1 5,836.4 2,569.1 34.0 2,828.0 38.0
hDdf 421.0 49,265.0 0.4 40.9 420.6 49,224.2 367.1 43,407.5 4.7 553.3 362.4 42,854.2 27,633.2 382.0 33,451.6 454.0
g]kfn /fi6« a}+s
s]Gb|Lo sfof{no
g]kfn
kmf]g g+= $$!)!%*
Website: www.nrb.org.np

Nepal Monetary-Policy-2078-79

Uploaded by

Document Information

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Nepal Monetary-Policy-2078-79

Uploaded by

Copyright:

Available Formats

cfly{s jif{ @)&*÷&( sf]

g]kfn /fi6« a}+s

cfly{s jif{ @)&*÷&( sf]

g]kfn /fi6« a}+s

cfly{s jif{ @)&*÷&( sf] df}lb|s gLlt

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

111. sf]le8–!(af6 k|efljt ljleGg k]zfdf ;+nUg k]zfut Joj;foLx?nfO{ lglZrt

-u_ PsLs[t sf/f]af/ u/]sf] Ps jif{;Dd j}wflgs t/ntf cg'kftdf ! k|ltzt

lgofdsLo tyf ;'kl/j]IfsLo Joj:yf

cfly{s jif{ @)&&÷&* sf] df}lb|s gLltsf] nIo / k|ult ljj/0f

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

u}/–:ynut tyf :ynut lg/LIf0fsf] dfWodjf6 cg'udg

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

tflnsf ! s'n ufx{:Yo pTkfbg -@)^&÷^* sf] d"Nodf_

s= rfn' vftf -26697.0 -3376.3 -33367.2 -87.4 -

You might also like