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ag]kf gu/kflnsf j8f g+= !#, ;Ffuf, sfe|]knf~rf]s
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hf]lvdx? ;d]tsf] cWoog u/]/ dfq nufgL ;DaGwL lg0f{o lng ;'emfj ul/G5 .
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jf kl/of]hgfsf] cfly{s ;Ifdtfsf] af/]df s'g} k|sf/sf] k|Tofe"t u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g .
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u_ æljQLo ;+:yfÆ eGgfn] lgisfzgstf{ sDkgL dlxnf n3ljQ ljQLo ;+:yf lnld68nfO{ ;Demg' kb{5 .
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5_ æ;+:yfks, ;~rfns, kd'v sfo{sf/L clws[t tyf Joj:yfkgÆ eGgfn] dlxnf n3ljQ ljQLo ;+:yf lnld6]8sf] ;+:yfks,
;~rfns, sfo{sf/L kd'v tyf Joj:yfkgnfO{ ;Demg' kb{5 .
h_ æaf]8{Æ eGgfn] g]kfn lwtf]kq af]8{nfO{ ;Demg' kb{5 .
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@== ljj/0fkq tyf b/vf:t kmf/d k|fKt ug]{ / aemfpg] :yfg M
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kmf]g g+=— $$!@&$#
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;Dk"0f{ zfvf sfofno, email:mlbsl.nepal@gmail.com,info@mlbsl.com.np, jj;fO6 M www.mlbsl.com.np
u= g]kfn lwtf]kq af8{, hfjnfv]n, nlntk'/sf] j]j;fO6, www.sebon.gov.np
l;=g+= b/vf:t kmf/d k|fKt ug{ / aemfpg] :yfg M
s= g]kfn lwtf]kq af8af6 :jLs[tL k|fKt u/]sf ;Dk"0f{ cfZjf -ASBA_ ;b:o a}+s tyf ljlQo ;+:yfx? tyf l;l8P;
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. o; n3ljQ ljQLo ;+:yfsf] ;+:yfks tyf ;~rfnsx?df ljQLo If]q, ;/sf/L, u}/ ;/sf/L, zlIfs If]q, slif, pBf]u
tyf Jofkf/ If]q Pjd\ Joj:yfkgdf nfdf] ;doblv sfo{/t cgejL kltli7t JolQmx? /xg' ePsf] 5 .
o;sf cnfjf n3ljQ ljQLo ;+:yfsf] kaGwkqsf] bkmf $ tyf lgodfjnLsf] lgod $ df pNn]v ul/P adflhd g]kfn
/fi6«« a+}s P]g @)%*, a+}s tyf ljQLo ;:yf ;DaGwL P]g, @)&#, sDkgL sfg"g tyf cGo k|rlnt sfggsf] cwLgdf
/xL ljQLo sf/f]jf/ ug]{ o; ljQLo ;+:yfsf] d'Vo p2]Zox? b]xfo adflhd /x]sf] 5 M–
-!_ ljQLo ;+:yfsf] lgIf]kstf{sf] xslxtsf] ;+/If0f / ;Da4{g ub}{ :j:y kltZkwfaf6 ;j{;fwf/0fnfO{ u'0f:t/Lo
tyf e/kbf]{ ljQLo dWo:ytf ;]jf pknAw u/fpg] .
-@_ slif, pBf]u, ;]jf, Jofkf/ tyf cGo Joj;foLs ?kn] ;DefJo blvPsf pTkfbgzLn Joj;fosf] :yfkgf, ljsf;,
lj:tf/ / Ifdtf Pjd\ pTkfbsTj jl4sf nflu cfjZos alsË÷ ljQLo ;fwg cfGtl/s tyf afXo >f]taf6 h'6fO{
b]zsf] cf}Bflus Jofkfl/s Pj+ slif If]qsf] ljsf;df ultlzntf Nofpg ;xof]u k'of{pg] .
-#_ pknAw zLk, >d tyf k"FhLnfO{ plrt ?kdf kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg Pjd\ /f]huf/Ld"ns
Joj;fosf] :yfkgf, ;~rfng, ljsf; lj:tf/ Pjd\ k|jw{g ug]{ / ;f] sfos{ f] nflu cfjZos ljQLo ;fwg, k|fljlws
tyf Joj:yfksLo k/fdz{ ;]jf, tflnd tyf kljlw pknAw u/fO{ u/LaL lgjf/0fsf nflu ;lqmo ?kdf ;+nUg eO{
;xof]u k'¥ofpg] .
-$_ ljQLo ;]jfdf hflvd sd ub}{ ljQLo If]qsf] pbf/Ls/0fdf d2t k'¥ofO{ / b]zsf] cy{tGqnfO{ ;an tyf ;b[9 agfpg
;xof]u k'¥ofpg] /
-%_ b]zsf] ;du| ljQLo k|0ffnLklt ;j{;fwf/0fsf] ljZj;gLotf clejl4 ug{ ;xof]u k'¥ofpg] .
-pm_ ;+ul7t ;++:yfsf] sg} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, Oltxf; / To;sf d'Vo p2]Zox?sf
;fy} To;df ePsf] nufgLsf] c+z -kltztdf_ M ;f] gePsf]] .

3
-P_ cGo ljj/0fx?M
-!_ ;+ul7t ;++:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx?
n3ljQ ljQLo ;+:yfn] k|bfg ug]{ d'Vo ;]jfx?df u|fxs ;b:ox?af6 lgIf]k ;+sng, sh{f k|jfx, /ld6\ofG; e'QmfgL
;]jf tyf cGo ljlQo ;]jf /x]sf 5g\ . ;fy} ljQLo ;+:yfn] nufgLsf] dfWodaf6 cfkm\gf] k"FhLsf] ;xL pkof]u ub}{
cfO/x]sf] 5 .
-@_ k|of]u ePsf] jf ul/g] kljlw M
n3ljQ ljQLo ;+:yf ;]jf k|bfos sDkgL ePsf]n] dfly v08 -!_ df pNnlvt ;]jf k|bfg ug{ cfjZos kljlw ;DkGg
/x]sf] 5 . ;fy}, j]ja]; ;km\6j]o/, j]j;fO6, dfafOn P;PdP; dfkm{t / cgnfOg tyf dfafOn e'QmfgL ;]jf
k|jlwx? ePsf] .
-#_ sg} j|fG8g]d, kltlnlk clwsf/, 68dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ljQLo ;+:yf;Fu ;DalGwt afl4s
;DklQ xs clwsf/ M ;f] gePsf] .
-$_ ;+ul7t ;++:yfn] cf]u6]sf] ahf/ If]q M
@)&%÷^÷@@ ut] ljQLo ;+:yfsf] ¿kdf ljQLo sf/f]jf/ ug{ g]kfn /fi6« a}+saf6 O{hfhtkq k|fKt u/L ldlt @)&%÷)&÷)!
utblv æ3Æ ju{sf] /fli6«o :t/sf]] ljQLo ;+:yfsf] xl;otn] cfˆgf] ljQLo sf/f]jf/ ;~rfng ub}{ cfPsf] 5 . o; ljQLo
;+:yfn] cf=j= @)&%÷)&^ sf] cflZjg d;fGt;Ddf @( j6f lhNnfsf @!) j6f ufpF÷gu/kflnsfx?df %# j6f zfvf
sfof{no dfkm{t $# xhf/ ( ;o &! hgf ;b:onfO{ n3ljQ sfof{qmddf cfj4 u/]s]f 5 . o; n3ljQ ljQLo
;+:yfn] cfˆgf] 5f]6f] ;~rfng cjlwdf %# j6f zfvf sfo{fno dfkm{t ljlQo ;]jf k|bfg ub}{ cfPsf] 5 .
-%_ gofF pTkfbg tyf ;]jf ;DaGwL ofhgf M
;do ;fk]If cg';f/ ;]jf lj:tf/ u/L ;DefJo u|fxsx?sf] klxrfg u/]/ cfˆgf] Joj;fo lj:tf/ ug]{ ofhgf /x]sf] 5 ;fy}
o; ;+:yfsf ;]jf ;DaGwL ofhgf b]xfo adflhd /x]sf 5g\ M
• rfn' cfly{s jif{df cGo n3ljQ ;:yfsf] pkl:ylt sd ePsf xfn sfo{qmd lj:tf/ ePsf lhNnfx?df tyf yk
lhNnfsf pko'Qm :yfgx?df ;DefJotf cWoog ul/ zfvf sfofno :yfkgf ul/ sfo{qmd lj:tf/ ug]{, s]Gb|
a}7snfO{ cem kefjsf/L agfpg k'gtf{huL tflnd tyf ljQLo ;fIf/tf sIff ;+rfng ug]{, u|fxs
;b:osf] Ifdtf tyf cfjZostf cflbsf] kof{Kt ljZn]if0f u/]/ u'0f:t/Lo shf{ nufgL ub}{ shf{ sf/faf/ jl4
ug]{, art jl4df ljz]if hf]8 lbg] / art tyf shf{sf gofF ;]jf ljsf; ug]{ nIo lnOPsf] 5 .
• kaGwkq tyf lgodfjnLdf /x]sf pb]Zo adflhd yk sfo{x? ub}{ hfg] nIo /x]sf] 5 .
-^_ pTkfbg tyf ;]jfsf] kd'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M
n3ljQ ljQLo ;+:yfsf] kd'v ahf/ xfn sfod /x]sf] @( lhNnfaf6 lj:tf/ u/L x/]s au{sf u|fxssf] cfjZostf
cg'?k g} ;]jfx? pknAw u/fpFb} n}hfg] ljQLo ;+:yfsf] nIo /x]sf] 5 / ;fy} g]kfn /fi6« a}+ssf]
Ohfht cg'?k ljleGg zfvf / pkzfvf lj:tf/ ub} ljleGg ju{sf u|fxsx?nfO{ ;]jfx? k|bfg u/fpb} n}hfg o;
;+:yfsf] ;f]r
/x]sf] 5 .
-&_ pTkfbg÷ ;~rfng Ifdtf / ;f]sf] pkef]u l:ylt M
a}+s tyf ljQLo ;+:yfdf nfdf] cgej xfl;n ug{' ePsf] ;~rfns÷Joj:yfkg bIftfsf] cfwf/df o; n3ljQ ljQLo
;+:yfn] :yfkgfsf] 5f]6f] ;dodf g} ljQLo ahf/sf] /fdf] lx:;f cf]u6\g / u|fxsx?nfO{ /fd|f] ;]jf k|bfg ug{ ;kmn
/x]sf] blvG5 .
-*_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M
;f] gePsf] .
-(_ u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf M
a}+s tyf ljQLo ;+:yf, zlIfs If]q, ;/sf/L ;]jf pBf]u Pjd\ Jofkf/ Ifqdf nfdf] cgej xfl;n ug{' ePsf
;~rfns÷Joj:yfkg ;dx" uf|xsx?sf] u'0f:t/Lo ;]jf, ;ljwf tyf ;Gtli6sf] nflu tTk/ /x]sf 5g\ . :t/Lo n3ljQ
;]jfsf nflu u|fxs ;]jf ljefu :yfkgf ul/ ;+rfngsf ;fy} u|fxs ugf;f] ;g'jfO{ 8]:s ;d]t /x]sf] 5 .
-!)_ cg';Gwfg tyf ljsf; M
g]kfnsf] alsË tyf ljQLo If]qdf klt:kwfTds l:ylt /x]sf] cfhsf] ki7elddf ljQLo ;+:yfn] cg';Gwfg, sfo{qmd
la:tf/ tyf ljsf; Joa:yfkgnfO{ pRr k|fyldstf lbO{ ;f] sfo{sf nflu 5§} laefusf] Joa:yf ul/Psf] 5 . o;n] gofF
4
;]jfx?sf]

5
 ljsf; dfq geO{ xfn k|bfg ul/Psf ;]jfx?df ;do ;fk]If ?kdf cfjZos kl/dfh{gx? ug]{ gofF ;]jfx?sf] pkoQmtfsf
;DaGwdf Joj:yfkgnfO{ ;emfj pknAw u/fpg]5 . ;fy} ljQLo ;+:yfn] u|fxs ju{df gofF lgIf]ksf of]hgfx?, u|fxsd'vL
;/n shf{ ;ljwf / ljZj;gLo gof+ gof+ kljlwsf] k|of]u u/L cfˆgf u|fxsx?nfO{ klt:kwfTds Pj+ u'0f:t/Lo ;]jf
k|bfg ug]{ ;f]r /fv]sf] 5 .
-!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;~rfngdf c;/ kg]{ u/L ePsf] afwf, Jojwfg M COVID-19 sf] sf/0f C0f
nufgL, c;'nLdf Joj;fo lj:tf/df sl7gfO{ ePsf] .
-!@_ dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bflus ljjfb ePsf] eP, ;f] ;DaGwL ljj/0f M ;f] gePsf] .
-!#_ ahf/, klt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M
a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cg';f/ ldlt @)&%÷)^÷@@ df g]kfn /fi6« a}+saf6 ljQLo sf/f]jf/ ug{
:jLslt k|fKt u/L /fli6«o :t/sf] sfo{ If]q ePsf] æ3Æ ju{sf] ljQLo ;+:yfsf] xl;otn] ldlt @)&%÷)&÷)! ut] blv
alsË sf/f]jf/
;~rfng ub}{cfPsf] 5 . ljQLo ;+:yfsf] xl;otdf sjn sl/a # jif{ k'/fgf] n3ljQ ljQLo ;+:yf eP tfklg cfkm\gf]
sfo{ If]qdf ;~rflnt cGo ;dfg ljQLo ;++:yfx? aLr o; ljQLo ;+:yfn] cfkm\gf] l:yltnfO{ dha't agfpb}
nu]sf] 5 .
:yfkgfsf] t;|f] jif{ blv d'gfkmfdf ;~rfngdf /x]sf] o; ljQLo ;+:yfsf] ;dfg pBf]ux? aLr kltikwf{ ePtfklg
cfˆgf] 5§} klxrfg agfpg ;kmn eO{ ahf/df cfˆgf] :yfg cf]u6\g ;kmn ePsf] 5 . ;fy} o; ;+:yfn] /0fgLlts
ofhgf tyf sfoljlw tof/ ul/ gofF gofF ;]jf dfkm{t nlIft ju{df cfkm\gf] ;]jf ;ljwfsf] kx'Fr k'¥ofO{ cu0fL eldsf
vNg ;kmn ePsf] 5 .
-!$_ kd'v u|fxsx?sf] ljj/0f -h:t–} ;++:yfsf] s"n jflif{s sf/f]jf/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug{] jf Joj;fosf]
nflu ;++:yf sg} k|d'v u|fxs;Fu lge{/ 5 eg] t\t;DaGwL ljj/0f_ M ;f] gePsf] .
-!%_ kd'v ;Knfo;{x?sf] ljj/0f -h:t}– ;+:yfsf] s"n sf/faf/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug]{ ;Knfo;{
jf Joj;fosf] nflu ;+ul7t ;+:yf s'g} kd'v ;Knfo;{;Fu lge{/ 5 eg] tt\;DaGwL ljj/0f_ M ;f] gePsf] .
v= ;DklQsf] ljj/0f M
-c_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M
ljQLo ;+:yfsf] xfnsf] ;DklQsf] cj:yf tn pNn]v ul/P adflhd /x]sf] 5 / ;Dk"0f{ ;DklQ rfn' cj:Yfdf /x]sf] 5 .
ljj/0f ejg kl/jfxg lnh xf]N8 sfof{no ;fdfg cGo o; jif{ ? ut jif{ ?
!= k/n df]n
-s_ ut ji{fsf] df]Hbft – #,$&!,))) – !#,!*&,!@^ @,!&),*%) !*,*@*,(&^ !$,^*),(!$
-v_ o; jif{sf] yk – &@),))) – @,!$(,@^) #@(,@%) #,!(*,%!) $,!$*,)^@
-u_ o; jif{ k'gdNofs+g – – – – – –
. k'gnvg
-3_ o; jif{sf] ljqmL – – – – – –
-ª_ o; jif{sf] cknvg – – – – – –
s'n $,!(!,))) – !%,##^,#*^ @,%)),!)) @@,)@&,$*^ !*,*@*,(&^
@= x|f; s§L –
-s_ ut jif;Ddsf] – !,^@*,!@) – %,$^@,*^@ !,)(*,&#) *,!*(,&!@ %,^(#,@&(
-v_ o; jif{sf] – %!@,%&^ – @,#&%,^%% #((,$@) #,@*&,^%! @,$(^,$##
-u_ x|f; s§L – – – – – – –
kg{dNofs+g k'gn]vg .
-3_ x|f; s§L /sd – – – – – – –
;dfof]hg÷ lkmtf{
s'n x|f; s§L – @,!$),^(^ – &,*#*,%!& !,$(*,!%) !!,$&&,#^# *,!*(,&!@
#= a"s Eofn' (WDV*)
– @,)%),#)$ – &,$(&,*^( !,))!,(%) !),%%),!@# !),^#(,@^$
- !–@_
$= hUuf – – – – – – –
%= k"+hLut lgdf{0f - – – – – – – –
k"hLs/0f ul/gkg]{_
6
hDdf – @,)%),#)$ – &,$(&,*^( !,))!,(%) !),%%),!@# !),^#(,@^$

7
 dfly pNnlvt ;DklQx? rfn' cj:yfdf /x]sf tyf pQm ;DklQx? ljQLo ;+:yfsf] d'Vo sfof{no tyf zfvf sfof{nox?df
/x]sf 5g\ .
-cf_ a'Fbf -c_ df pNnlvt ;DklQ ;+ul7t ;+:yfsf] cfˆg} ;DklQ xf] of lnhdf lnPsf], lnhdf lnPsf] eP lnhsf] cjlw
-ldlt ;d]t pNn]v ug'{kg]{_ M
pQm a'Fbfdf pNnlvt ;DklQ ljQLo ;+:yfsf] cfˆg} xf] .
-O_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly sg} lnog jf df]6u]h eP ;f] ;DaGwL ljj/0f M
;f] gePsf] .
-O{_ ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfaL d"No / ahf/ dNoaLr km/s ePdf ;f]
sf] ljj/0f M n3ljQ ljQLo ;:yfsf] ;Dk"0f{ ;DklQ jf:tljs vr{sf] lx;fjdf sfod ul/Psf] 5 .
-p_ ;DklQsf] dNofª\sg ul/Psf] tl/sf ;DaGwL ljj/0f M
k/ndf]ndf lgodfg';f/ ug'{kg]{ x|f; s§L u/L n]vfdfg cg';f/ afs F L /x]sf] jf:tljs ;DkQLnfO{ ;DkQLsf] ?kdf /flvPsf]
5 / ;f]sf] k'g/d"Nofª\sg ul/Psf] 5}g .
u= efjL of]hgf tyf /0fgLlt M
-c_ Joj;fo÷;]jfsf] al4sf nflu ;+:yfsf] efjL of]hgf / To:tf] ofhgfsf] klfKtsf nflu rflng] ;doj4 /0fgLlt M
n3'ljQ ljQLo ;+:yfn] cfˆgf] Joj;fo÷;]jfsf] al4sf nflu rfNg] efjL of]hgf / To:tf] ofhgfsf] k|flKtsf nflu rflng]
;doa4 /0fgLlt lgDgfg';f/ 5g\ .
– ;j{;fwf/0fdf k|f/lDes z]o/ lgisfzg ug]{ .
– u|fxssf] cfjZostf cg'?k g} ;]jfx? pknAw u/fpFb} n}hfg] .
– ;+:yfut ;'zf;g, cfGtl/s lgoGq0f tyf k|zf;lso ;'bl9s/0fdf ljzif hf]8 lbg] .
– C0f /sdsf] pkof]u pTkfbgzLn sfo{df nufpgsf nflu C0fLx?sf] pBdlzntf ljsf;df hf]8 lbg] .
– ;+:yfsf] k"FhLsf]if g]kfn /fi6« a}+s nufot lgodgsf/Lsf] lgb]{zg kfngf ug]{÷u/fpg] .
– k/Dk/fut sf/f]jf/ k|0ffnL kljlwo'Qm x'g] u/L ?kfGt/0f ug]{ sfo{df gLltut Joj:yf ug]{ .
– cfGt/Ls >f]t ;fwgsf] clwstd kl/rfng u/L jfXo >f]t kl/rfng Go"g ug]{ .
– ;+:yfut ;'zf;g sfod ug]{ .
– nufgLstf{nfO{ pRrQd kltkmn lbnfpg] tkm{ klta4 .
– ;+:yfn] cfkm\gf ;b:o tyf sd{rf/Lx?nfO{ plrt ;]jf ;'ljwfx? kbffg u/L ;+/lIft, ;dofg'sn " , of]hgfa4 ?kdf
;+:yfsf sf/f]jf/x?sf] :tl/otf al4df hf]8 lbg] .
– ;du| shf{sf] u'0f:t/nfO{ pRr:t/df /fVg] / shf{ tyf ;fk6df k|fKt x'g] kltkmnnfO{ pRr /fVg shf{ nufgLdf
ljljlws/0f ug]{ .
– kaGwkqsf] bkmf $ df pNn]v eP adflhdsf p2Zox? xfl;n ug{sf nflu n3'ljQ sf/faf/x? la:tf/ ub}{ n}hfg]5 .
-cf_ kltikwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf] Joj;fosf] eljio M
xfn b]zsf] ljQLo jftfj/0f cToGt kltikwf{Tds 5 / ;f]xL sf/0fn] ubf{ o; ljQLo ;+:yfn] cfkm\gf] pNn]Vo If]q
cfu]u6\g ljleGg /0fgLltsf ;fy cl3 a9]sf] 5 . ljutsf] 5f]6f] cjlwdfg} w]/} n3ljQ ;]jf k|bfos ;+:yfx? :yfkgf
eO{ ;+rfngdf cfO/x]sf 5g\ . of] kl/l:yltn] ubf{ Psftkm{ b]zsf] alsË jftfj/0f a9L kltikwf{Tds xg] blvG5 eg]
csf]{ tkm{ ljutsf slx ;dootf b]vf k/]sf /fli6«o tyf cGt/fli6«o kl/l:yltn] b]zsf] cfly{s l:yltsf] af/]df slx
lrlGtt xg'kg]{ l:ylt ;d]t
/x]sf] 5 . of] cj:yfn] b]zsf] alsË Joj;fonfO{ slx xb ;Dd kefj kfg]{ blvPtf klg xfn;Ddsf] o; ljQLo
;+:yfsf] kl/l:yltnfO{ dNof+sg ubf{ ljQLo ;+:yfsf] cj:yf ;Gtf]ifhgs blvG5 . t;y{ b]zsf] ljQLo Joj;fo
larsf] kltikwf{, ljBdfg cfly{s l:ylt / xfn;Ddsf lbgx?df ljQLo If]qn] pT;fxhgs ;kmntf kfO/x]sf] cfwf/df
o; ljQLo ;+:yfn] u|fxsx?sf] rfxgf / cfjZostf cg';f/sf :t/Lo u|fxsf]Gdf]v ;]jf tyf ;ljwfx? k|bfg u/]/
pknAw ;|f]t / ;fwgsf] pko'Qm kl/rfng u/L pT;fxhgs pknAwL xfl;n u/]sf] 5 . ;fy} jt{dfg cfly{s,
/fhglts / alsË kltikwf{ aLr
;kmntfsf ;fy cufl8 a9\g ljQLo ;+:yfn] cfkm\gf ;]jf tyf sfo{qmddf leGgtf, zfvf lj:tf/df a}+s gePsf cw{ ;/sf/L
/ u|fdL0f Ifqdf hf]8, cfwlgs tyf kljlwoQm alsË ;]jf h:tf /0fgLlt cjnDjg u/]/ cufl8 al9/x]sf 5 . o; ljQLo
;+:yfsf ;~rfns ;ldlt nufot Joj:yfkg ;ldlt tyf pRr kbflwsf/Lx?df nfdf] ;dosf] alsË tyf n3ljQsf]
cgej /xs ] f]n] cGo kltikwLeGbf k[ys lsl;dn] ;xh tl/sfn] ;~rfng ug]{ ;Sg] Ifdtf /x]sf] 5 . To; sf/0f ljBdfg
pknAwLx? Pj+ k|:t't efjL ofhgfx?sf cfwf/df o; ljQLo ;+:yfsf] eljio ;'b[9 xg] blvG5 .
8
 o; a}+ssf] cf=j= @)&& cfiff9 d;fGt ;Dd lhNnf tyf zfvf, s"n lgIf]k b]xfo adflhd /x]sf] 5 .
qm=;+= ljj/0f cfly{s jif{ @)&^÷&&
!= lhNnf @(
@ s]Gb|Lo sfofno !
# zfvf %#
$ s"n lgIf]k ?= ^^),%%^ s/f]8

3= ;~rfns ;ldltsf] ;+/rgf / kltlglwTj ;DaGwL Joj:yf

n3'ljQ ljQLo ;+:yfsf] lgodfjnLsf] lgod @&-@_ df ePsf] Joj:yf cg; ' f/ & -;ft_ hgf ;~rfns /x]sf] Ps ;~rfns
;ldlt b]xfo adflhd x'g]5 .+
;+:yfks z]o/wgLx?sf] ;d"xaf6 dgflgt jf lgjflrt o -rf/_ hgf
;j{;fwf/0f z]o/wgLx?sf] kltlglwTj u/L lgjflrt @ -b'O{_ hgf
:jtGq Joj;flos ljz]if1 ;~rfns ! -Ps_ hgf
;~rfnsx?sf] sfo{sfn al9df $ -rf/_ jif{sf] x'g]5 .
o; n3'ljQ ljQLo ;+:yfsf] lgodfjnLsf] lgod @* df Joj:yf eP cg';f/ n3'ljQ ljQLo ;+:yfsf] ;~rfnssf] kbdf
lgo'Qm x'gsf] nflu s'g} klg z]o/wgLn] cfˆgf] gfddf sDtLdf !)) lsQf z]o/ lnPsf] xgk'g]{5 . t/ :jtGq ;~rfns /
;+ul7t ;+:yfsf] kltlglwTj ug]{ ;~rfnssf] xsdf of] Joj:yf nfu' xg' ]5}g .
u=$= k"hL ;+/rgf ;DaGwL hfgsf/L M
-s_ clwst, hf/L tyf r'Qmf k"FhL / ;++:yfsf] :yfkgf kZrft ;f]df kl/jt{g ePsf] eP tT;DaGwL ljj/0f M
• clws[t k"FhL M o; n3'ljQ ljQLo ;+:yfsf] clws[t k"FhL ?= @),)),)),)))÷– -cIf/]kL aL; s/f]8 dfq_ /x]sf]] 5 . pQm
k"FhLnfO{ ?=!))÷– sf b/n] @),)),))) -aL; nfv_ yfg ;fwf/0f zo/df ljefhg ul/Psf] 5 .
• hf/L k"FhL M o; n3'ljQ ljQLo ;:yfsf] tTsfn hf/L k"FhL ? !),)),)),)))÷– -cIf/]kL bz s/f]8 dfq _ /x]sf] 5 . pQm
k"FhLnfO{ ?=!)).— sf b/n] !),)),))) -bz nfv_ yfg z]o/df ljefhg ul/Psf] 5 .
• r'Qmf k"FhL M o; n3ljQ ljQLo ;+:yfsf] ;+:yfksx?af6 tTsfn r'Qmf k"FhL ? ^,)),)),)))÷– -cIf/]kL 5 s/f]8 dfq_
/x]sf]] 5 h;nfO{ ?=!))÷— sf b/n] ^,)),))) -5 nfv_ yfg z]o/df ljefhg ul/Psf] 5 .
o; ljj/0fkq dfkm{t ;j{;fwf/0fnfO{ ?= $,)),)),)))÷– -cIf/]kL rf/ s/f8_ /sd a/fa/sf] z]o/sf] lgisfzg kZrft
;+:yfsf] r''Qmf k""FhL ?= !),)),)),)))÷– -cIf/]kL bz s/f]8 dfq_ xg]5 .
clwst, hf/L tyf r'Qmf k"FhLdf eO{ cfPsf÷ ] kl/jt{g ePsf] eP tT;DaGwL ljj/0f M
ljj/0f @)&$÷&% @)&%÷&^ @)&^÷&&
clws[t k"FhL -?=_ @),)),)),))) @),)),)),))) @),)),)),)))
hf/L k"FhL -?=_ !),)),)),))) !),)),)),))) !),)),)),)))
r'Qmf k"FhL -?=_ – ^,)),)),))) ^,)),)),)))

-v_ lgisfzg kl5sf] r'Qmf k"FhL -;d"xs[[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M
;fwf/0f z]o/ lgisfzg u/L afF8kmfF8 u/] kZrft\ x'g] ljQLo ;+:yfsf] r'Qmf k"FhLsf] ;+/rgf b]xfo adflhd /x]sf] 5 M
;d"x zo/wgLx? ;fwf/0f zo/ ;+Vof kh
"F L ;+/rgf -Ü_ r'Qmf /sd -?=_ e'QmfgL k|ltzt
s ;+:yfks zo/wgLx? ^,)),))) ^) ^,)),)),))) Zftk|ltzt
;j{;fwf/0f zo/wgLx? lgisfzg kZrft
v $,)),))) $) $,)),)),))) ztk|ltzt /sd
-sd{rf/L ;lxt_
e'QmfgL xg]
lgisfzg kZrft
hDdf !),)),))) !)) !),)),)),))) ztk|ltzt /sd
e'QmfgL xg]

9
 -u_ z]o/ lkldod vftf -lgisfzg k"j{ / lgisfzg kZrft\_ M
lgisflzt z]o/ lkldoddf geO{ clst d"Nodf hf/L ul/Psf] xb'Ff zo/ lkldod vftfsf] cfjZostf g/x]sf] .
u=%= ;+:yfks÷;~rfns ;DaGwL hfgsf/L M
s=;+:yfks÷;~rfnssf] k[i7e"ld M
-!_ cfwf/e"t z]o/wgLx? tyf ;~rfnsx?sf] gfd, kb, pd]/, /fli6otf, 7]ufgf, z]o/ :jfldTj, zlIfs ofUotf, cg'ej / k|:tfljt
Jofkf/÷Joj;fodf cg''ej M
cfwf/e"t z]o/wgLx?sf] ljj/0f M
zo/ cg'ej
qm=;+= gfd÷7]ufgf kb pd]/ /fli6otf z}lIfs of]Uotf
:jfldTj -k"j{ / xfn sfo{/t_
dlxnf clwsf/ ;+:yfks nfu' gxg] nfu' gxg]
! tyf ljsf; cfwf/e' nfu' gxg] nfu' gxg] %%)))
s]Gb|, sf=d=g=kf t
@( zo/wgL,
sflnsf:yfg
dfR5fk' R5|] ;+:yfks nfu' gxg] nfu' gxg]
@= a}+s ln=, cfwf/e' nfu' gxg] nfu' gxg] !$),)))
nflhDkf6, t
h'sf7df8f}
nL s'd+ f/L ;+zo/wgL,
:yfks :gfts ;fdflhs ;]jfdf sfo{/t
#= dxtf], cfwf/e' $$ g]kfnL !)),)))
nlntk'/ t
!#, e};]kf6L ;+zo/wgL,
:yfks lk=Pr l8, Pd hnljw't cfof]hgf ;DaGwL
8f= O{dfgl;+x cfwf/e' lalaP; cg''ej
$= u'?Ë, uf]/vf t $$ g]kfnL !$%,)))
*, l;lb{jf; zo/wgL,
tyf
lg? sy'gL ;+y:rfns
fks :gfts zlIfs >]qdf sfof{g'ej
%= /fO{, wgs'6f cfwf/e' ^@ g]kfnL $%,)))
$, r'Djfª t
zo/wgL, ;~rfnsx?sf] ljj/0f M
cg'ej k|:tfljt Jofkf/÷Joj;fo
qm=;+= Gffd÷7]ufgf kb /fli6otf pd]/ zo/ :jfldTj z}lIfs of]Uotf
-k"j{ / xfn sfo{/t_
! >L tf/f s''Fj/ cWoIf g]kfnL #& !),))) :gfts uf]vf{ P/nfOG;df @ jif{ / olt ldlt @)&%÷)&÷)! b]lv
;fª\nf %, sf7df8f}+ P/nfOG;df @ jifsf{ sfocg'ej dlxnf n3''ljQ ljQLo
xfn HelloNepalTours ;+:yf lnld6]8sf] cWoIf .
andtraveldf k|d'v sfo{sf/L
clws[t ljut nfdf] ;do;Dd
ko{6g Joj;fodff cfj4 /x]sf] .
@ >L s'df/ 1jfnL ;b:o g]kfnL ## !$)))) O=Pd=la=P nfdf] ;do;Dd a}+s tyf ljQLo dlxnf n3'ljQ ljQLo
-a}slNks ->L ;+:yfdf cfj4 /lx a}+lsË Joj;fo ;+:yf lnld6]8sf]
;+rfns df5fk'R5|] ;DalGw cg'ej . df5fk'R5|] ;~rfns
cfdf]b >]i7_ a}s ln=, a}+s ln= df ljleGg txdf /lx
nflhDkf6,
sf7df8f} xfn
sf] æBusinessLending,CreditBusinessÆ
:jfldTj_ sf] of]hgf Joj:yfks kd'v
# >L ;b:o g]kfnL $$ !$%,))) lk=Pr=l8 /xg'ePsf]
ljut . ;dob]lv
nfdf] dlxnf n3'ljQ ljQLo
8f=Odfgl;+x hnljw't cfof]hgf ;+:yf lnld6]8sf]
u'?Ë ;DaGwL sfo{ ul/ pQm ;~rfns
l;lb{jf; *, uf]/vf cfof]hgsf] sfof{g'ej .

10
$ >L OGb'' s''df/L ;b:o g]kfnL %( @),))) cfO=P hgsk'/ r'/f]6 sf/vfgfdf dlxnf n3'ljQ ljQLo
sfsL hgsk'/ nfdf] ;do;Dd sfd ul/ ;+:yf lnld6]8sf]
!, wg'iff clws[t:t/sf] sfo{fg'ej . ;~rfns
% >L sf]lknf :jtGq g]kfnL $# ======== :gftsf]Q/ ljleGg ;fdflhs >]qx?df dlxnf n3'ljQ ljQLo
kf]v/]n, uf]vf{–@, ;~rfns sfof{g'ej ;+:yf lnld6]8sf]
uf]vf{ ;~rfns

-@_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;lIfKt ljj/0f (Profile) /
pQm sDkgL÷;+:yfsf ;~rfnsx?sf] gfd, 7]ufgf, -k|fslts JolQm gv'n];Dd_ M
qm=;+ Gffd÷7]ufgf zo/ :jfldTj
;+lIfKt ljj/0f ;~rfnssf] gfd, 7]ufgf
= -lsQf_
Dflxnf clwsf/ tyf ljsf; s]Gb| åf/f != >L t'N;L yfkf 55,000
lj=;+= @)%@ ;fnaf6 ljQLo ;]jfsf] e};]kf6L,
;/n kx''Fr gePsf tyf sd cfo @=nlntk'
>L pdf/ e08f/L
ePsf ljkGg ju{sf kl/jf/sf nlIft e};]kf6L, nlntk'/
dlxnfx?nfO{ cfo d'ns sfo{df #= >L h'nL s'df/L dxtf]
;+nUg u/fpg n3''ljQ ;]jf pknAw e};]kf6L, nlntk'/
! >L dlxnf clwsf/ tyf u/fpFb} cfO/x]sf] . pQm sfo{qmdnfO{ $=>L dfof e08f/L
ljsf; s]Gb|, sf df=g=kf dlxnf clwsf/ tyf ljsf; s'n]Zj/,
@( sflnsf:yfg s]Gb| / dlxnf n3'ljQ ljQLo %=sf7df8f}
>L ;[hgf + /fgf
;+:yf ln= lar ePsf] ;Demf}tf wf]la3f6
adf]lhd ;Dk""0f{ ;DklQ tyf nlntk'
^= >L tLn/s'df/L
bfloTj dlxnf n3'ljQ ljQLo kf08] e};]kf6L,
;+:yf ln= af6 ;+rfng ul/Psf] nlntk'
&= >L ;kgf/ cfrfo{
nlntk'/

;g\ !((* df btf{ eO{ ;g\ @))) != cWoIf–>L la/]Gb| k|;fb

af6 klZrdf~rn If]q kf]v/faf6 cfkm\gf] dxtf] uf}zfnf–(, sf7df8f}+
Joj;flos a}+lsË sf/f]jf/ yfngL u/]sf] @= ;~rfns–>L /f]zg s=;L,
df5fk'R5|] a}+s Ps cAan a}+s dflgG5 d':tfËrf]s–& , sf:sL
. ;Ddflgt a}+s/x?, u}/ cfjf;Lo #= ;~rfns–>L uf]kL s[i0f Gof}kfg]
g]kfnLx?, Joj;foL, pBdLx? tyf cGo eQmk'/–!%, eQmk'/
@ >L df5fk'R5|] a}s ln=, k|ltli7t JolQmTj åf/f ;~rflnt o; $= ;j{;fwf/0faf6 lgjf{lrt 1,40,000
nflhDkf6, sf7df8f} a}+s g]kfns} Ps pTs[i6 dWo]sf] a}+s ;+rfns– ljZj k|sfz
xf] . s]lGb|s[t a}+lsË ;km\6jo/ uf}td d':tfËrf]s–& ,
æGlobus sf:sL
%=;j{;fwf/0faf6 lgjf{lrt ;+rfns–
BankingSystemofTemposNV, xl/ eQm l;Ub]n
SwitzerlandÆ sf] z'?jft olx a}+sn] sf7df8f}+–!!, sf7df8f}+
g} u/]sf] xf] . o; a}+ssf] !%( zfvf ^=:jtGq ;+rfns– ds'Gb dxt
sfof{Noaf6 cfkm\gf u|fxsx/nfO{ ;]jf sf7df8f}+–$, sf7df8f}+
k|jfx ul//x]sf] 5 .
-#_ ;+ul7t ;++:yfsf] ;~rfns cGo s'g} sDkgL, ;++:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;~rfns / cfj4 ePsf] ;+:yfsf]
gfd, 7]ufgf M
s|=;+= Gffd ;~rfnsx? cfa4 /x]sf sDkgL, ;+:yf, sf]if, ;+u7g jf kmd{x?sf] ljj/0f
! >L s' df/ 1jfnL -a} slNks df5fk'R5|] a}+s lnld6]8, nflhDkf6, sf7df8f}+ .
;+rfns cfdf]b >]i7_
sDkgL Pg, @)^# sf] bkmf *( sf] pkbkmf -!_ -5_ tyf ;"rLs[t ;+ul7t ;+:yfx?sf] ;+:yfut ;'zf;g ;DaGwL lgblzsf,
@)&$ sf] Joj:yfx? k"0f{ ?kdf kfngf ePsf] .

11
-$_ ;+:yfks÷;~rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M
s_ g]kfn /fi6« a}+ssf] k"j{ :jLs[tL glnO{ ljQLo ;+:yfsf] z]o/ s'g} ljb]zL a}+s jf ljQLo ;+:yfnfO{ ljqmL jf x:tfGt/0f
ul/g] 5}g .
v_ g]kfn /fi6« a}+ssf] k"j{:jLs[tL glnO{ ;+:yfks / ;j{;fwf/0f ;d"xsf] z]o/ :jfldTj cg'kftdf kl/jt{g ug{ kfOg] 5}g .
u_ ljQLo ;+:yfn] sf/f]jf/ ;~rfng u/]sf] kfFr jif{ gk'u;Dd ;f] ;+:yfsf] ;+:yfksn] cfˆgf] z]o/ laqmL jf lwtfaGws
/fVg
kfpg] 5}g / pQm cjlwkl5 To:tf] z]o/ laqmL ubf{ jf lwtfaGws /fVg'kbf{ g]kfn /fi6« a}+ssf] k"j{:jLs[tL lng'kg]{5 .
o; Joj:yf adflhd ljQLo ;+:yfn] sf/f]jf/ ;+rfng u/]sf] kfFr jif{ gk'u] tfklg ljQLo ;+:yfsf] ;+rfngdf s'g} afwf
Jojwfg pTkGg eO{ ljz]if kl/l:yltsf] ;[hgf x'g uPdf g]kfn /fi6« a}+ssf] :jLslt lnO{ ;+:yfksx?sf aLrdf z]o/
v/Lb laqmL ug{
;lsg]5 . o;/L z]o/ laqmL ubf{ Ps eGbf a9L z]o/wgLn] z]o/ v/Lb ug{ rfx]df lghn] wf/0f u/]sf] z]o/sf]
cg'kftdf ljt/0f ug'{ kg]{5 . ;f] ;d"xsf s'g} klg ;+:yfks z]o/wgLn] z]o/ lng] OR5f gu/df dfq To:tf] z]o/
;+rfns ;ldltsf] lg0f{o adflhd g]kfn /fi6« a}+ssf] :jLslt lnO{ cGo JolQm, kmd{, sDkgL jf ;+:yfnfO{ laqmL
ug{ ;lsg] 5 .
3_ s'g} ;+:yfks z]o/wgLsf] dTo' ePdf jf k|rlnt sfg'g adflhd kfl/jfl/s c+zj08f ePdf jf cbfntsf] cfb]zn] lghsf]
z]o/ xsjfnfdf gfd;f/L x'g] ePdf v08 -u_ sf] aGb]h nfu' xg' ]5}g .
ª_ ;j{;fwf/0fn] z]o/ vl/b ubf{ !) c+sn] efu ubf{ z]if g/xg] u/L Go"gtd !) lsQf z]o/ jf clwstddf ljj/0f
kqdf tflsP adflhd z]o/ vl/b ug{sf nflu lgjbg ug{ ;Sg]5 .
t/ xsk|b z]o/ / af]g; z]o/sf] xsdf of] aGb]h nfu" x'g] 5}g .
r_ ljQLo ;+:yfsf ;~rfns, sfo{sf/L k|dv ' , n]vfk/LIfs, ;lrj jf ljQLo ;+:yfsf] Joj:yfkg tyf n]vf;DaGwL sfodf k|ToIf
?kn] ;+nUg JolQmn] To:tf] kbdf jfxfn /xFbfsf] avt jf To:tf] kbaf6 cjsfz k|fKt u/]sf] sDtLdf Ps jif{;Dd
n3'ljQ ljQLo ;+:yf jf o;sf] ;xfos sDkgLsf] z]o/ cfˆgf] jf cfˆgf] kl/jf/sf] lgoGq0fdf /x]sf] kmd{, sDkgL jf
;+:yfsf] gfddf v/Lb laqmL ug{ u/fpg ug{ lbg, lwtfaGws /fVg, /fVg nufpg jf bfg as; lng, lbg jf n]g b]g
ug{‘ x'b}g . t/, gofF
z]o/ hf/L u/]sf] cj:yfdf of] kltaGw nfu" xg' ]5}g .
5_ s;}n] v08 -r_ ljkl/t sfd u/]df To:tf] z]o/ ljQLo ;+:yfn] hkmt ug]{5 / To;/L hkmt ePsf] z]o/ ;+rfns
;ldltn] plrt 7x/¥ofPsf] lsl;daf6 ljqmL lat/0f ug{ ;Sg]5 .
h_ z]o/ v/Lb jf x:tfGt/0f ug{ aGb]h ;DaGwL cGo Joj:yf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&#, sDkgL Pg, @)^# /
lwtf]kq sf/f]jf/ ;DjGwL sfg'g tyf cGo k|rlnt sfg"gdf pNn]v eP adflhd x'g]5 .
v= ;+:yfks÷;~rfns;Fusf] sf/f]jf/ M
-c_ ;+ul7t ;++:yfaf6 s'g} ;+:yfks÷;~rfnsn] k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/cfly{s_
k|fKt u/]sf] jf k|fKt ug]{ ePdf To:tf] j:t' jf ;'ljwfsf] k|slt / d"No / To:tf] ;ljwf lbP jfkt a}+sn] s'g} ;DklQ,
;]jf k|fKt u/]sf] jf ug]{ ePdf tT;DaGwL ljj/0f M
n3'ljQ ljQLo ;+:yfsf] ;~rfnsx?n] ;~rfns ;ldltsf] a}7s eQf afx]s cGo s'g} klg ;+:yfks jf ;~rfnsn] o;
;+:yfaf6 k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/ cfly{s_ k|fKt u/]sf 5}gg\ / ;f] ;DaGwdf n3'ljQ ljQLo
;+:yfn] ;+:yfks jf ;~rfnsaf6 s'g} ;DklQ jf ;]jf ;d]t k|fKt u/]sf] 5}gg\ .
-cf_ aF'bf -c_ df pNnlvt j:t' jf ;ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M ;f] gePsf]
. u=^= ;Lldt bfloTj ;DaGwL ljj/0f M
o; ljQLo ;+:yf sDkgL Pg, @)^# cGtu{t ;+:yflkt tyf a}+s tyf ljQLo ;+:yf ;DaGwL Pg, @)&# cGtu{t :yflkt tyf
;~rflnt klAns lnld6]8 sDkgL xf] . o;df z]o/jfnfx?sf] bffloTj ;Lldt 5 . o; n3'ljQ ljQLo ;:yfsf z]o/jfnfx?sf]
bfloTj lghn] v/Lb u/]sf] jf v/Lb ug{ sa'n u/]sf] zo/sf] clwstd /sd;Dd dfq ;Lldt /xg]5 .

10
 u=&= ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL hfgsf/L M
s= ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f M
-c_ ;+ul7t ;++:yfsf] pRr Joj:yfksLo txsf sd{rf/Lsf] gfd, ofUotf, lgo'lQm ePsf] ldlt, klxn] u/]sf] sfdsf]
cg'ej tyf ;+ul7t ;++:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f M
qm= sd{rf/Lsf] Gffd lgo'QmL ldlt kb z}lIfs cg'ej tyf xfn lhDd]jf/L z]o/ ;+Vof cGo ;+:yfdf
;+= of]Uotf nufgL
-z]o/ ;+Vof_
! >L s[i0f k|;fb @)&!÷)(÷@& k|d'v sfo{sf/L :Gfftsf]Q/ :jfjnDjg n3'ljQ ljQLo – hnljB't
Gof}kfg] clws[t ;+:yf / dlxnf n3'ljQ ljQLo sDkgLdf
;+:yfdf ul/ @$ jif{sf] %) lsQf
sfof{g'ej jl/i7 ;xfosaf6 z]o/
lgo'QmL lnO{ ljleGg txx?df
sfo{ ul/ xfn k|d'v sfo{sf/L
clws[tsf] ?kdf /xg'ePsf] .
@ >L x/L k|;fb @)&$÷!@÷)! ;xfos sfo{sf/L :Gfftsf]Q/ :jfjnDjg n3'ljQ ljQLo – :jfjnDjg
uf}td clws[t ;+:yf / dlxnf n3'ljQ ljQLo n3'ljQ ljQLo
;+:yf ul/ @@ jif{sf] sfof{g'ej ;+:yf ln=–(%)
. jl/i7 ;xfosaf6 lgo'QmL lnO{ lsQf
ljleGg txx?df sfo{ ul/ xfn nIdL a}+s–@))
;xfos k|d'v sfo{sf/L clws[t lsQf
tyf n]vf tyf ljQ ljefu k|d'v k|fOd a}+s–
/xg'ePsf] . $)) lsQf
# >L O{Zj/ axfb"/ @)&$÷!@÷)! jl/i7 k|aGws :Gfftsf]Q/ :jfjnDjg n3'ljQ ljQLo – g/x]sf]
/f]sf ;+:yf / dlxnf n3'ljQ ljQLo
;+:yf ul/ @# jif{sf] sfof{g'ej
jl/i7 ;xfosaf6 lgo'QmL lnO{
ljleGg txx?df sfo{ ul/ xfn
sfo{qmd ljefu k|d'v tyf
jl/i7 k|aGws sf] kbdf
/xg'ePsf] .
$ >L an axfb'/ @)&!÷)!÷)! k|aGws :jfjnDjg n3'ljQ ljQLo – :jfjnDjg
/fgf ;+:yf / dlxnf n3'ljQ ljQLo n3'ljQ ljQLo
;+:yf ul/ @$ jif{sf] sfof{g'ej ;+:yf ln=–@))
jl/i7 ;xfosaf6 lgo'QmL lnO{ lsQf
ljleGg txx?df sfo{ ul/ xfn g]zgn
cfGtl/s n]vfkl/If0f ljefu dfOqmf]kmfOgf
k|d'v tyf k|aGws sf] kbdf G; ln=–!)
/xg'ePsf] . lsQf
% >L k|]d axfb'/ @)&^÷)^÷)% k|aGws :Gfftsf]Q/ :jfjnDjg n3'ljQ ljQLo – :jfjnDjg
yfkf ;+:yf / dlxnf n3'ljQ ljQLo n3'ljQ ljQLo
;+:yf ul/ @@ jif{sf] sfof{g'ej ;+:yf ln=–#^@
ljleGg txx?df sfo{ ul/ xfn lsQf
of]hgf cg';Gwfg tyf ljsf; lk|ldo/
ljefu k|d'v tyf k|aGws sf] OG:of]/]G;
kbdf /xg'ePsf] . sDkgL ln=–
#^@ lsQf
d'QmLgfy
ljsf; a}+s
ln=–!)) lsQf
^ >L a'l4;fu/ @)&!÷!)÷!$ ;xfos k|aGws :jfjnDjg n3'ljQ ljQLo – g/x]sf]
Gof}kfg] ;+:yf / dlxnf n3'ljQ ljQLo

11
 ;+:yf ul/ !& jif{sf] sfof{g'ej
jl/i7 ;xfosaf6 lgo'QmL lnO{
ljleGg txx?df sfo{ ul/ xfn
hgzlQm Joj:yfkg, tflnd
tyf ;fdfGo ;]jf ljefu k|d'v
tyf ;xfos k|aGws sf] kbdf
/xg'ePsf] .
& >L ;'ldt af:sf]6f @)&!÷!)÷!* jl/i7 clws[[t :Gfftsf]Q/ Osf];km\6, ;'o{nfO{km – ;"o{ nfOkm
O{G:of]/]G;,:jfjnDag n3'ljQ OG:of]/]G;
ljQLo ;+:yf / dlxnf n3'ljQ sDkgL ln=–
ljQLo ;+:yf ln ul/ ljut ^))
!^jif{sf] sfof{g'ej . d]uf a}+s–$))
ljleGg txx?df sfo{ ul/ xfn
;'rgf k|ljwL ljefu k|d'v .

;+ul7t ;++:yfsf sd{rf/Lx? cGo ;"rLs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgLsf] ?kdf /x]sf] jf sd{rf/Lx?n] cGo s'g} ;+ul7t
;+:yfdf u/]sf] nufgL ;DaGwL ljj/0fM ;f] gePsf] .
-cf_ ljj/0fkq af8{df k|:t't ug{ eGbf ! jif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] cj:yf afx]s ;+ul7t
;++:yfsf] pRr Joj:yfksLo txdf /x]sf s'g} sd{rf/L kl/jt{g ePsf] eP ;f] ;DaGwL ljj/0f M ;f] gePsf] .
-O_ sd{rf/Lsf] ;+Vof M :yfoL, c:yfoL, s/f/, Hofnfbf/L / cGo M
qm=;+= s'n sd{rf/L ;+Vof :yfoL c:yfoL klzIffyL{ cGo
! @$$ !#( #$ @^ $%
v= ;~rfns Pjd\ pRr Joj:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0f M
-c_ ;~rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf lghx?nfO{ k|bfg
ul/g] jf ul/Psf] blgs tyf ed0f eQf tyf cGo ;'ljwfM
;~rfnsn] kfpg] dfl;s kfl/>lds, a}7s eQf, blgs tyf ed0f eQf / cGo ;''ljwf k|yd jflif{s ;fwf/0fsf] ;ef tyf
;+rfns ;ldtLsf] ldlt @)&%÷)@÷#) sf] a}7sn] kfl/t u/]sf] . ;fy} ;~rfnssf] kfl/>lds, eQf / ;ljwf ;DaGwL
Joj:Yff lgodfjnLsf] lgod #@ cg';f/ b]xfo adflhd /x]sf]]5M,
!= ;~rfns ;ldltsf] a}7sdf pkl:yt eP afkt cWoIf / cGo ;+rfnsn] kfpg] klt a}7s eQf ?= $%))÷– / #%))÷–
xg]5 .
@= ljQLo ;+:yfsf] sfdsf] l;nl;ndf ;~rfnsnfO{ k|bfg ul/g] blgs tyf ed0f eQf b]xfo adflhd /x]sf] 5
. c_ :jbzdf jf:tljs vr{ jf a9Ldf blgs eQf ?= #,)))÷–
cf_ ef/tdf jf:tljs vr{ jf a9Ldf blgs eQf ef?= #,)))÷–
' df blgs eQf cdl/sL 8n/ @%)÷–
O_ ef/t afx]ssf cGo ljb]zL d''ns
O{_ ed0f eQf lan adflhd xg]5 .
cGo ;''ljwf ;fwf/0f ;efn] ;do ;dodf lgwf{/0f u/] adflhd xg]5 .
-cf_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf tLg hgf clws[tx?sf] gfd, kb / Ps cfly{s jif{sf] cjlw leq
pgLx?nfO{ kfl/>ldssf] ?kdf e''Qmfg ul/Psf] /sd M
qm=;+= Gffd kb kfl/>lds /sd -?=_ -@)&^÷)&&_
! >L si0f k|;fb Gof}kfg] k|d'v sfo{sf/L clws[t !*,%@,)))
@ >L x/L k|;fb uftd ;xfos sfo{sf/L clws[t (,^@,)))
# >L O{Zj/ axfb'/ /f]sf jl/i7 kaGws *,&@,)))
O_ s''g} clws[t jf ;~rfnsnfO{ eljiosf] nflu sg' }/sd k|bfg ul/g] u/L s/f/ ul/Psf] eP ;f] ;DaGwL ljj/0f M
;f] gePsf] .

12
u=*= cGtlg{lxt hflvd tyf ;f]sf] Joj:yfkgsf nflu Joj:yfkgsf] wf/0ff M
ljQLo ;+:yfsf] cGtlglxt hflvdx? lgDgfg;f/ /x]sf 5g\ .
-s_ ljQLo ;fwgsf] cefjaf6 x''g] hflvd M
• shf{ nufgLdf cK7\of/f] kg]{ / lgIf]k /sdsf] eQ
' mfgL lbg ;d:of kg]{ .
-v_ sRrf kbfy{sf] cefjaf6 xg] hflvd M
• ;f] gePsf] .
-u_ pTkfbg jf ;]jfsf] ahf/sf] l:ylt / o;df cfpg] kl/jt{gaf6 xg] hflvd M
• gofF n3ljQ ;+:yfx?sf] k|j]zaf6 pTkGg x'g] klt:kwfaf6 x'g;Sg] hflvdx? .
• n3ljQ ljQLo ;:yfn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hflvdx? .
• lgIf]k tyf shf{sf] Jofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hflvdx? .
-3_ cfofhgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 xg] dNo cleal4 (Cost Overrun) sf] hflvd M
• ;f] gePsf] .
-ª_ ljb]zL ljlgdosf] hflvd M
• ;f] gePsf] .
-r_ sfg"gL klqmofx? tyf O{hfht k|fKt ug'{kg]{ eP ;faf6 kg{ ;Sg] cj/f]wx? M
• ;f] gePsf] .
-5_ If]qLos/0f / ljZjJofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hflvd M
• cGt/fli6«o ahf/df xg] dGbLaf6 g]kfnL ahf/df kg{;Sg] c;/af6 xg;Sg] cfly{s hflvdx? .
• k"FhL ahf/sf] cj:yfdf cfpg] ptf/–r9fjaf6 kg{ ;Sg] hflvdx? .
-h_ ;/sf/L gLlt tyf lgodx?df xg] kl/jt{g tyf ljZjJofkL ?kdf xg] gLltut kl/jt{gaf6 pTkGg xg] hflvd M
• b]zsf] dflb|s gLltnufot g]kfn /fi6« a}+sn] hf/L ug]{ lgod lgbzgsf] ckToflzt kl/jt{gaf6 l;h{gf x'g]
;Defljt hflvdx? .
• b]zsf] jblzs gLltdf xg;Sg] kl/jt{gaf6 pTkGg x'g ;Sg] ;Defljt hflvdx? .
• g]kfn ;/sf/ tyf cGo lgodg lgsfox?sf] cfly{s tyf ljQLo gLlt lgoddf xg] kl/jt{gaf6 l;h{gf x'g;Sg]
;Defljt hflvdx? .
-em_ ;~rfng Oltxf;sf] cefj M
• o; ljQLo ;+:yfn] ldlt =@)&%÷)^÷@@ df g]kfn /fi6« a}+saf6 ljQLo sf/f]jf/ ug{ :jLslt k|fKt u/L @( lhNnfsf] sfo{
If]q ePsf] æ3Æ ju{sf] ljQLo ;+:yfsf] xl;otn] ldlt @)&%÷)&÷)! ut]blv dfq sf/faf/ ;~rfng u/]sf] x'Fbf
n3ljQ ljQLo ;+:yfsf] sf/f]jf/ ;~rfngsf] Oltxf; 5f]6f] /x]sf] 5 .
-`_ kljlwsf] kl/jt{gaf6 x'g ;Sg] hflvd M
• kljlw ;DaGwL kl/jt{gaf6 ljQLo ;+:yfsf] ;~rfng tyf sf/f]jf/ k0ffnLdf ck|Toflzt hflvd /xg' :jefljs g} xf] . ljQLo
;+:yfn] k|of]u ug]{ ;ˆ6j]o/df kljlwsf] kl/jt{gaf6 cfpg ;Sg] hflvd Joj:yfkgsf nflu tYofÍx?sf] ;'/Iffy{
Data Backup df ljz]if ;ts{tf ckgfOPsf] 5 / To;af6 hflvdnfO{ Golgs/0f ug{ ljQLo ;+:yf ;Ifd /x]sf] 5 .
-6_ cGo M
• b]zsf] /fhglts cl:y/tfaf6 cfpg ;Sg] hflvdx? .
• b]zsf] cfly{s cj:yfdf cfpg] ptf/–r9fjaf6 xg;Sg] hflvdx? .
pk/f]Qmfg';f/sf] hflvdx?nfO{ Go"g jf Joj:yfkg ug]{ ;DaGwdf Joj:yfkgsf] of]hgf M
n3ljQ ljQLo ;+:yfsf] shf{ tyf nufgL v/fa eO{ x'g;Sg] hflvdx?sf] nflu n3ljQ ljQLo ;+:yfn] shf{ tyf
nufgL hflvd sf]ifsf] Joj:yf ug]{5 . n3ljQ ljQLo ;+:yfn] ljQ ahf/df xg] klt:kwf{sf] ;fy} If]qLos/0f /
ljZjJofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hflvdx? Go"gLs/0f ug{sf nflu hgzlQm ljsf;df Wofg
k'¥ofpg'sf] ;fy} cGo Jofj;flos hflvdx?af6 l;h{gf x'g;Sg] xflg–gfS;fgLsf] nflu Joj:yfkg rgfvf] eO{ ;Defljt
xflg–gfS;fgL sd ug{
;Ifd / klta4 5 . To:t} cGo ljleGg hflvdx? Go"gLs/0fsf nflu kefjsf/L cfGtl/s lgoGq0f k0ffnL, ;dofg';f/sf]
13
 cfwlgs kljlw, :ki6 gLlt tyf lgodx?sf] lgdf{0f Pjd\ ;dofg';f/ cfˆgf] ;]jf tyf ;ljwfx?df kl/jt{g ub}{ nlug]
n3ljQ ljQLo ;+:yfsf] gLlt /x]sf] Joxf]/f hfgsf/L u/fpF5f}+ .
lwtf]kqsf]] d"No kl/jt{g ;DaGwL hflvd M
?= !)) klt z]o/sf] b/n] lgisfzg ul/Psf] dNon] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]jf/n] z]o/ dNodf
x'g;Sg] kl/jt{gsf] hflvd /x]sf] 5 .
u=(= ljQLo ljj/0f M
s= ljQLo ljj/0f / tT;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f M
-c_ ;+ul7t ;+:yfsf] n]vfk/LIf0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gfS;fg lx;fa afF8kmfF8
/ gub k|jfx ljj/0fM
ljQLo ;+:yfsf] cf=j= @)&^÷&& sf] jf;nft, gfkmf—gf]S;fg lx;fa, gfkmf—gf]S;fg afF8kmfF8 lx;fa tyf gub k|jfxsf]
ljj/0f lgDgfg';f/ 5 M–
jf;nft -cfiff9 #!, @)&&_
k"FhL tyf bfloTj /sd ?= -xhf/df_
z]o/ k"FhL 60,000=00
hu]8f tyf sf]ifx? 127,893=63
C0fkq tyf a08 –
ltg{ afFsL shf{ ;fk6 1,012,398=17
lgIf]k bfloTj 660,555=97
k||:tfljt gub nfef+z –
cfos/ bfloTj 10,151=27
cGo bfloTj 21,536=70
s'n k"FhL tyf bfloTj 1,892,535=73
;DklQ
gub df}Hbft -l;Ssf ;d]]t_ 557=14
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 7,842=34
a}}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 131,896=15
dfu tyf cNk ;"rgfdf k|fKt x'g] /sd –
nufgL –
shf{ ;fk6 1,738,262=78
l:y/ ;DklQ 10,550=12
u}/ a}+lsË ;DklQ –
cGo ;DklQ 3,427=20
s'n ;DklQ 1,892,535=73
gfkmf–gf]S;fg lx;fa
ljj/0f ?= -xhf/df_
Aofh cfDbfgL 270,395=10
Aofh vr{ -142,112=65_
v'b Aofh cfDbfgL 128,282=46
Sldzg tyf cGo ;~rfng cfDbfgL 50,125=59
;6xL 36a9 cfDbfgL –
s'n ;~rfng cfDbfgL 178,408=04
sd{rf/L vr{ -78,390=68_
cGo ;~rfng vr{ -21,235=35_
;6xL 36a9 gf]S;fg –
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 78,782=02
;Defljt gf]S;fgL Joj:yfx? -40,605=42_

14
 ;~rfng d'gfkmf÷-gf]S;fg_ 38,176=60
u}/ ;~rfng cfDbfgL÷vr{ 24=87
;Defljt gf]S;fgL Joj:yfjf6 lkmtf{ 17,027=17
lgoldt sf/f]jf/x?jf6 ePsf] d'gfkmf 55,228=63
c;fdfGo sf/f]jf/jf/jf6 ePsf] cfDbfgL÷vr{ –
;Dk"0f{ sf/f]jf/ kl5sf] v'b d'gfkmf 55,228=63
sd{rf/L af]g; Joj:yf -5,020=79_
cfos/ Joj:yf
o; jif{sf] s/ Joj:yf -16,279=60_
ljut jif{;Ddsf] s/ Joj:yf –
k/ ;fl/Psf] cfos/ cfDbfgL -vr{_ 785=24
v'b gfkmf÷-gf]S;fg_ 34,713=50
gfkmf–gf]S;fg afF8kmfF8 lx;fa
ljj/0f ?= -xhf/df_
cfDbfgL M
ut jif{;Ddsf] ;+lrt d'gfkmf 61,790=42
hu]8f sf]if÷CWRD af6 hu]8f ;f/]sf] . 4,847=22
o; jif{sf] d'gfkmf -gf]]S;fg_ 34,713=49
;6xL 36j9 sf]if –
hDdf 101,351=14
vr{M
ut jif{;Ddsf] ;+lrt gf]S;fg –
o; jif{sf] gf]S;fg –
;fwf/0f hu]8f sf]if -6,942=70_
e}k/L cfpg] hu]8f –
;+:yf ljsf; sf]if -173=57_
nfef+z ;lds/0f sf]if –
sd{rf/L ;DaGwL hu]8fx? –
k|:tfljt nfef+z –
k|:tfljt af]]g; z]o/ –
ljz]if hu]8f sf]if –
;6xL 36j9 sf]if –
k"FhL lkmtf{ hu]8f sf]if –
k"FhL ;dfof]hgf sf]if –
:yug s/ hu]8f sf]if –
nufgL ;dfof]hgf sf]if –
u|fxs ;+/If0f sf]if -347=14_
;fdflhs pQ/bfloTj sf]if -347=14_
hDdf -7,810=54_
;+lrt d'gfkmf÷-gf]S;fg_ 93,540=60

gub k|jfxsf] ljj/0f

qm|=;+= ljj/0f ?=-xhf/df_
-s_ sf/f]af/ ;+rfngaf6 gub k|jfx -171,681=72_
!= gub k|flKt 320,545=55
!=!= Aofh cfDbfgL 270,395=10
!=@= sldzg tyf cGo cfDbfgL 50,150=45

15
 !=#= ckn]lvt shf{sf] c;'nL –
@ gub e'QmfgL 244,164=72
@=! Jofh vr{ 142,277=06
@=@ sd{rf/L vr{ 76,369=28
@=# sfof{no ;+rfng vr{ 17,947=69
@=$ cfos/ e'QmfgL 2,314=27
@=% cGo vr{ 5,256=42
sfo{ut k'+lh ultljlw cl3sf] gub k|jfx 76,380=83
;~rfng ;DjlGw rfn" ;DklQdf sdL÷-j[l¢_ -433,461=06_
!= dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l¢_ –
@= cGo cNksfnLg nufgLdf sdL÷-j[l¢_ –
#= shf{ tyf ljN; vl/bdf sdL÷-j[l4_ -433,697=72_
$= cGo ;Dkltdf sdL÷-j[l¢_ 236=66
;~rfng ;DjlGw rfn' bfloTjdf -sdL_÷j[l¢ 185,398=51
!= lgIf]k bfloTjdf -sdL_÷j[l¢ 180,267=04
@= cNksfnLg ;fk6Ldf -sdL_÷j[l4
#= cGo bfloTjdf -sdL_÷j[l¢ 5,131=47
-v_ nufgL sf/f]jf/df gub k|jfx -3,198=51_
! bL3{sfnLg nufgLdf sdL÷-j[l4_ –
@ :yL/ ;Dkltdf sdL÷-j[l¢_ -3,198=51_
# bL3{sfnLg nufgLdf Jofh cfDbfgL –
$ nfef+z cfDbfgL –
% cGo –
-u_ ljQLo sf/f]jf/df gub k|jfx 233,561=97
!= bL3{sfnLg C0f -j08, l8j]Gr/ cflb_ df j[l4÷-sdL_ 233,561=97
@ z]o/ k+"hLdf j[l¢÷-sdL_
#= cGo bfloTjdf j[l¢÷-sdL_
$= g]kfn /fi6« a}+sjf6 k||fKt ;x'lnot÷k'g/shf{df j[l¢÷-sdL_
-3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/sjf6 cfDbfgL÷vr{ –
-ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 58,681=74
-r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 81,613=89
-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 140,295=64
n]vfkl/Ifssf] k|ltbfjL /fo M kl/jlt{t k|ltj]bg dfgx? klxnf]k6s u|x0f ubf{ rflxg] ljQLo ;"rgfsf] k"g{n]vg / yk
v'nf;f o; n3'ljQdf kfngf gul/Psf], o;af6 kg{ hfg ;Sg] PsLs[t c;/sf] af/]df n]vfkl/If0fsf]
l;nl;nfdf k|of{Kt k|df0fx? ;+sng ug{ g;s]sfn], o; n3'ljQsf] cf=j= @)&^÷@)&& sf] ljQLo ljj/0fx?df
cfkm\gf] /fo k|:t't ub}{gf}+ .
Joj:yfkgsf] wf/0ff M o; ljQLo ;+:yfn] ljBdfg P]g, sfg'g tyf lgodg lgsfox?af6 hf/L ePsf
lgb]{zgx?sf] k"0f{ ?kdf kfngf ub}{ cfkm\gf ljQLo ;]jf k|jfx ul//x]sf] 5 . ljQLo ljj/0fx? tof/ ug]{ ;Gbe{df
g]kfn /fi6« a}+ssf] lgb]{zgdf ePsf] Joj:yf adf]lhd tof/ ub}{ cfO{/x]sf]df :jtGq n]vfkl/Ifssf] k|ltj]bg
dfkm{t k|fKt ;'emfj cg';f/ g]kfn ljQLo k|ltj]bg dfg (NFRS) adf]lhd ug{ ;d]t cfjZos Joj:yf
ldnfO{g] 5 .
-cf_ ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt e}g;s]sf] cj:yfdf
;~rfng cjlwe/sf] n]vfk/LIf0f ePsf] gfkmf gfS;fg, jf;nft ;lxtsf] ;lIfKt ljQLo ljj/0f M
jf;nft
jf:tljs -?=xhf/df_
k"FhL tyf bfloTj )&$÷)&% )&%÷)&^ )&^÷)&&
z]o/ k"FhL 39,523=61 60,000=00 60,000=00
hu]8f tyf sf]ifx? -153=67_ 95,291=86 127,893=63

16
C0fkq tyf a08 – – –
ltg{ afFsL shf{ ;fk6 – 778,836=20 1,012,398=17
lgIf]k bfloTj – 480,288=93 660,555=97
k||:tfljt gub nfef+z – – –
cfos/ bfloTj – – 10,151=27
cGo bfloTj 295=70 12,672=15 21,536=70
s'n k"FhL tyf bfloTj 39,665=63 1,427,089=14 1,892,535=73

;DklQ jf:tljs -?=xhf/df_

)&$÷)&% )&%÷)&^ )&^÷)&&
gub df}Hbft -l;Ssf ;d]]t_ – 85=92 557=14
g]kfn /fi6« a}+sdf /x]sf] df}Hbft – 5,874=29 7,842=34
a}}+s÷ ljQLo ;+:yfdf /x]sf] df}Hbft – 75,653=69 131,896=15
dfu tyf cNk ;"rgfdf k|fKt x'g /sd – – –
nufgL – – –
shf{ ;fk6 tyf lan vl/b – 1,328,143=30 1,738,262=78
l:y/ ;DklQ – 10,639=26 10,550=12
u}/ a}+lsË ;DklQ – – –
cGo ;DklQ 39,665=63 6,692=68 3,427=20
s'n ;DklQ 39,665=63 1,427,089=14 1,892,535=73
gfkmf gf]S;fg lx;fj
ljj/0f jf:tljs -?=xhf/df_
cf=j=@)&$÷&% cf=j=@)&%÷&^ cf=j=@)&^÷&&
Aofh cfDbfgL 142=03 143,783=63 270,395=10
Aofh vr{ – -78,532=84_ -142,112=65_
v'b Aofh cfDbfgL 142=03 65,250=79 128,282=46
sldzg tyf cGo ;~rfng cfDbfgL – 41,409=42 50,125=59
;6xL 36a9 cfDbfgL – – –
s'n ;~rfng cfDbfgL 142=03 106,660=21 178,408=04
sd{rf/L vr{ -133=30_ -43,619=46_ -78,390=68_
cGo ;~rfng vr{ -162=40_ -17,622=36_ -21,235=35_
;6xL 36a9 gf]S;fg – – –
;Defljt gf]S;fgL Joj:yf cl3sf] -153=67_ 45,418=38 78,782=02
;~rfng d'gfkmf
;Defljt gf]S;fgL Joj:yfx? – -13,808=26_ -40,605=42_
;~rfng d'gfkmf÷-gf]S;fg_ -153=67_ 31,610=12 38,176=60
u}/ ;~rfng cfDbfgL÷-gf]S;fg_ – 170=81 24=87
;Defljt gf]S;fgL Joj:yfjf6 lkmtf{ – 5,456,99 17,027=17
lgoldt sf/f]jf/x?jf6 ePsf] d'gfkmf -153=67_ 37,067=11 55,228=63
c;fdfGo sf/f]jf/af6 ePsf] –
170=80
–
cfDbfgL÷vr{
;Dk"0f{ sf/f]jf/ kl5sf] v'b d'gfkmf -153=67_ 37,237=91 55,228=63
sd{rf/L af]g; Joj:yf – -3,385=26_ -5,020=79_
cfos/ Joj:yf
o; jif{sf] s/ Joj:yf – -10,810=00_ -16,279=60_
ut jif{sf] s/ Joj:yf – – –
o; jif{sf] :yut s/ cfDbfgL -vr{_ – 1,193=47 785=24
v'b gfkmf÷-gf]S;fg_ -153=67_ 24,236=12 34,713=50

17
 gfkmf gf]S;fg afF8kmfF8 lx;fj
jf:tljs -?=xhf/df_
ljj/0f
cf=j=@)&$÷&% cf=j=@)&%÷&^ cf=j=@)&^÷&&
cfDbfgLM
ut jif{;Ddsf] ;+lrt d'gfkmf – -153=67_ 61,790=42
hu]8f sf]if÷CWRD af6 hu]8f ;f/]sf] . 43,151=03 4,847=22
o; jif{sf] d'gfkmf -153=67_ 24,236=12 34,713=49
;6xL 36j9 sf]if – – –
hDdf -153=67_ 67,233=48 101,351=14
vr{M
ut jif{;Ddsf] ;+lrt gf]S;fg – – –
o; jif{sf] gf]S;fg – – –
;fwf/0f hu]8f sf]if – -4,847=22_ -6,942=70_
e}k/L cfpg] hu]8f – –
;+:yf ljsf; sf]if – -121=18_ -173=57_
nfef+z ;lds/0f sf]if – – –
sd{rf/L ;DaGwL hu]8fx? – – –
k|:tfljt nfef+z – – –
k|:tfljt af]]g; z]o/ hf/L – – –
ljz]if hu]8f sf]if – – –
;6xL 36j9 sf]if – – –
k"FhL lkmtf{ hu]8f sf]if – – –
nufgL ;dfof]hgf sf]if – – –
:yug s/ hu]8f – – –
;+:yfut ;fdflhs pQ/bfloTj sf]if – -242=36_ -347=14_
u|fxs ;+/If0f sf]if – -242=36_ -347=14_
hDdf – -5,331=95_ -7,810=54_
;+lrt d'gfkmf÷-gf]S;fg_ -153=67_ 61,780=35 93,540=60

-O_ cfly{s jif{ ;dfKt ePsf] ^ dlxgf kZrft ljj/0fkq :jLsltsf] nflu k]z u/]df pQm cGtl/d cjlwsf] nflu
n]vfk/LIfsaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0fM
n3ljQ ljQLo ;:yfsf] cf=j= @)&&÷&* sf] bf;|f] qdf;sf] ckl/is[t ljQLo
ljj/0f jf;nft

k"FhL tyf bfloTj ?= xhf/df

!= z]o/ k"FhL 60,000=00
@= hu]8f tyf sf]ifx? 182,407=47
#= C0fkq tyf a08 –
$= ltg{ afFsL shf{ ;fk6 1,885,404=23
%= lgIf]k bfloTj 785,339=67
^= e'QmfgL lbg' kg]{ lanx? –
&= k|:tfljt tyf e'QmfgL lbg afFsL nfef+z –
*= cfos/ bfloTj 23,508=54
(= cGo bfloTj 42,707=62
s'n bfloTj 2,979,367=53
;DklQ ?= xhf/df
!= gub df}Hbft 15,099=52

18
 @= नेपाल राष्ट्र बैंकमा रहको मोजेदेात –
#= a}s ÷laQLo ;+:yfdf /x]sf] df}Hbft –
$= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd 95,721=86
%= nufgL 20,000=00
^= shf{ ;fk6 tyf lan vl/b 2,814,253=00
&= l:y/ ;DklQ 12,428=60
*= u}/ a}+ls+Í ;DklQ –
(= cGo ;DklQ 21,864=92
s'n ;DklQ 2,979,367=53
gfkmf gf]S;fg lx;fj
ljj/0f ?= xhf/df
!= Jofh cfDbfgL 167,669=36
@= Jofh vr{ 69,032=99
v'b Aofh cfDbfgL 98,636=37
#= sldzg tyf l8:sfp06 44,565=35
$= cGo ;+rfng cfDbfgL –
%= ;6xL 36a9 cfDbfgL –
s'n ;+rfng cfDbfgL 143,201=72
^= sd{rf/L vr{ 42,266=80
&= cGo ;+rfng vr{ 10,904=99
*= ;6xL 36a9 gf]]S;fg –
;Defljt gf]S;gL Aoa:yf cl3sf] ;+rfng d'gfkmf 90,029=93
(= ;Defljt gf]S;fgL 24,812=87
;+rfng d'gfkmf÷-gf]S;fg_ 65,217=06
!)=u}/ ;+rfng cfDbfgL÷-gf]S;fg_ –
!!=;Defljt gf]S;fgL Aoa:yfaf6 lkmtf{ 20,236=92
lgoldt sf/f]jf/af6 ePsf] d'gfkmf 85,453=98
!@=c;fdfGo sf/f]jf/af6 ePsf] d'gfkmf÷-vr{_ –
cg'bfg k|fKt ;DklQsf] x|f; s§L /sd cfDbfgL –
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b gfkmf 85,453=98
!#=sd{rf/L af]g; Joj:yf 7,768=54
!$=cfos/ Aoa:yf
o; jif{sf] 23,305=63
ut jif{sf] –
k/ ;fl/Psf] cfos/ cfDbfgL ÷ -vr{_ –
v'b d'gfkmf÷-gf]]S;fg_ 54,379=80

-O{_ cfDbfgL / vr{ lx;fjsf] s'g} zLif{sdf 7"nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M
;f] gePsf] .
-p_ kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft ;+ul7t ;+:yfsf] sf/faf/, gfkmf gf]S;fg, ;DklQsf] d"No jf cfufdL !@
dlxgfsf] bfloTj e'QmfgLdf c;/ kg]{ u/L sg} cj:yf l;h{gf ePsf] 5÷5}g ;f] ;DaGwdf ;~rfnsx?sf] wf/0ff M
;f] gePsf] .
-pm_ cfly{s jif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLslt xg] ldlt;Dddf jf;nftsf]
ldlt kl5sf] 36gfsf] jf/]df 5'§} hfgsf/L M ;f] gePsf] .

19
-P_ ljut % jif{df ;DklQsf] kgd"{Nof+sg ul/Psf] 5÷5}g, olb ul/Psf] eP -c_ ;DklQsf] ljj/0f, -cf_ ;DklQsf] kgd"{Nof+sg cl3
/ kl5sf] lstfjL d"No, -O{_ kgd"{Nof+sgsf] cflrTo M
;f] gePsf] .
-P]_ cfufdL tLg jif{sf] k|Iflkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x?
M ljQLo ;+:yfsf] cfufdL # cfly{s jif{sf] nflu k|Iflkt ljQLo l:ylt b]xfo adflhd /x]sf]
5M
k"FhL tyf bfloTj k|If]lkt -?=xhf/df_
)&&÷)&* )&*÷)&( )&(÷*)
z]o/ k"FhL 100,000 100,000 100,000
hu]8f tyf sf]ifx? 193,813 284,652 429,877
C0fkq tyf a08 - - -
ltg{ afFsL shf{ ;fk6 1,911,044 3,411,044 3,911,044
lgIf]k bfloTj 940,904 1,213,874 1,566,408
k||:tfljt tyf e'QmfgL lbg afFsL nfef+z - - -
cfos/ bfloTj 30,718 53,256 84,469
cGo bfloTj 21,752 21,970 22,190
s'n k"FhL tyf bfloTj 3,198,232 5,109,649 6,153,406

;DklQ k|If]lkt -?=xhf/df_

)&&÷)&* )&*÷)&( )&(÷*)
Gfub df}Hbft -l;Ssf ;d]]t_ 66,605=14 76,194=33 38,455=36
g]kfn /fi6« a}+sdf /x]sf] df}Hbft - - -
a}}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 99,907=72 114,291=49 57,683=04
Dffu tyf cNk ;"rgfdf k|fKt x'g] /sd - - -
nufgL - - -
shf{ ;fk6 tyf lan vl/b 3,011,516 4,892,081 6,021,139
l:y/ ;DklQ 15,062 19,372 24,563
u}/ a}+lsË ;DklQ - - -
cGo ;DklQ 5,141 7,711 11,566
s'n ;DklQ 3,198,232 5,109,649 6,153,406

gfkmf gf]S;fg lx;fj

ljj/0f k|If]lkt -?=xhf/df_
)&&÷)&* )&*÷)&( )&(÷*)
Aofh cfDbfgL 365,674 606,156 837,401
Aofh vr{ 211,018 341,672 462,384
v'b Aofh cfDbfgL 154,656 264,484 375,017
Sldzg tyf l8:sfpG6 91,835 140,030 163,900
cGo ;~rfng cfDbfgL - - -
;6xL 36a9 cfDbfgL - - -
s'n ;~rfng cfDbfgL 246,491 404,514 538,917
sd{rf/L vr{ 96,338 120,031 152,208
cGo ;~rfng vr{ 38,174 47,924 57,599
;6xL 36a9 gf]S;fg - - -
;Defljt gf]S;fgL Joj:yf cl3sf] 111,979 236,559 329,110
;~rfng d'gfkmf
;Defljt gf]S;fgL -654_ 41,287 19,391
;~rfng d'gfkmf÷gf]S;fg 112,634 195,272 309,718
u}/ ;~rfng cfDbfgL÷gf]S;fg - - -
20
 ;Defljt gf]S;fgL Joj:yfjf6 lkmtf{ - - -
lgoldt sf/f]jf/x?jf6 ePsf] d'gfkmf 112,634 195,272 309,718
c;fdfGo sf/f]jf/af6 ePsf] - - -
d'gfkmf÷vr{
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b 112,634 195,272 309,718
d'gfkmf
sd{rf/L af]g; Joj:yf 10,239 17,752 28,156
cfos/ Joj:yf - - -
o; jif{sf] 30,718 53,256 84,469
utjifsf] - - -
k/ ;fl/Psf] cfos/ cfDbfgL÷ -vr{_ - - -
v'bgfkmf÷-gf]S;fg_ 71,676 124,264 197,093
z]o/ ;+Vof -xhf/df_ 1,000 1,000 1,000
k|lt z]o/ cfDbfgL -?=_ 51=23 65=37 104=82

gfkmf gf]S;fg afF8kmfF8 lx;fj vftf

ljj/0f k|If]lkt -?=xhf/df_
)&&÷)&* )&*÷)&( )&(÷*)
cfDbfgLM
Uft jif{ ;Ddsf] ;+lrt d'gfkmf 93,541 144,766 210,132
o; jif{sf] d'gfkmf -gf]]S;fg_ 71,676 124,264 197,093
;6xL 36j9 sf]if - - -
hDdf 165,217 269,030 407,225
vr{M - - -
Uft jif{ ;Ddsf] ;+lrt gf]S;fg - - -
o; jif{sf] gf]S;fg - - -
;fwf/0f hu]8f sf]if 14,335 24,853 39,419
e}k/L cfpg] hu]8f - - -
;+:yf ljsf; sf]if 358 621 985
nfef+z ;lds/0f sf]if - - -
sd{rf/L ;DaGwL hu]8fx? 1,434 2,485 3,942
k|:tfljt nfef+z - 24,853 39,419
k|:tfljt af]]g; z]o/ hf/L - - -
ljz]if hu]8f sf]if - - -
;6xL 36j9 sf]if - - -
k"FhL lkmtf{ hu]8f sf]if - - -
k"FhL ;dfof]hg sf]if - - -
cGo -:yug s/ hu]8f_ - - -
nufgL ;dfof]hgf sf]if - - -
u|fxs ;+/If0f sf]if 717 1,243 1,971
sd{rf/L k|lzIf0f sf]if 2,890 3,601 4,566
;fdflhs pQ/ bfloTj sf]if 717 1,243 1,971
hDdf 20,451 58,898 92,273
;+lrt d'gfkmf÷-gf]S;fg_ 144,766 210,132 314,952
** k|If]lkt ljQLo ljj/0f n3'ljQ ljQLo ;+:yf cfkm}n] tof/ kf/]sf] xf] / ;f] ljQLo ljj/0fx? hL= k|sfz P08 P;f]l;P6;\sf rf6{8{
Psfp6]06 >L l;=P= k|sfz uf}td af6 k|dfl0ft ul/Psf] 5 .

21
 n3ljQ ljQLo ;+:yfsf] ljQLo k|If]k0fsf cfwf/x? M
k|If]lkt -Ü_
ljj/0f )&&÷)&* )&*÷)&( )&(÷*)
s"n lgIf]kdf cf}ift a[l4b/ -k|ltztdf_* 42=44 29=01 29=04
s"n shf{ tyf ;fk6df cf}ift a[l4b/ -k|ltztdf_ 71=43 62=93 23=08
s"n shf{ tyf lgIf]k ÷k"FhLsf]if cg'kft -k|ltztdf_ 9=71 12=02 10=34
s"n cfodf cf}ift j[l4b/ 42=74 63=10 34=19
s"n vr{df cf}ift j[l4b/ 42=94 47=49 31=90
;+rfng vr{ tyf s"n cfDbfgL cg'kft 29=4 22=51 20=95
v'b d'gfkmfdf cf}ift j[l4b/ 33=97 36=37 42=63
lgIf]ksf] cf}ift Jofhb/ -k|ltztdf_ 6=89 6=23 6=15
shf{ tyf ;fk6sf] cf}ift Jofhb/ -k|ltztdf_ 7=65 7=8 9=36
cfo s/ Aoj:yf -k|ltztdf_ 30 30 30
lgl:qmo shf{ ;fk6 -k|ltztdf_ 0=26 0=41 0=41
nufgLdf k|ltkmn - - -
cGo ;+rfng vr{sf j[l4b/ 44=37 20=35 16=80
sd{rf/L vr{df a[l4b/ 18=63 19=74 21=14
Ü LLP on Total Gross Loan 1=4 1=69 1=69
t/ntf (CRR) - - -
shf{ :jk"FhL cg'kft 8 13 13

cfwf/x? k|:t''t ug]{ M

;+rfng gfkmfsf] !) k|ltzt /sd sd{rf/L jf]g; Joj:yfsf] nfuL 5'6[ofOPsf] 5 .
• cfp+bf] jif{x?sf] nfuL a}+sn] cfh{g ug]{ gfkmfdf #) k|ltztsf] b/n] cfos/sf] nfuL Joj:yf ul/Psf]
5.
• ut jif{x?sf] jf:tljs cf+s8f tyf cfp+bf] jif{sf] ;+rfng of]hgfsf] cfwf/df Joj:yfkg åf/f ljQLo
ljj/0f k|If]k0f ul/Psf] xf] .
• kF'lh k|ofKttf (Capital Adequacy) sf] dfqf g]kfn /fi6« a}+sn] tf]s]sf] cg'kft cg'?k /xg] u/L
k|If]k0f u/LPsf] 5 . h; cg"?k k'lhsf]ifsf] cg'kft cf=a= )&&÷)&*, )&*÷)&( / )&(÷)*) sf] nflu
qmd; (=&!, !@=)@ / !)=#$ k|ltzt x'g]ul/ k|If]k0f ul/Psf] 5 .
• sldzg tyf cGo ;~rfng cfDbfgL cf=a= )&&÷)&*, )&*÷)&( / )&(÷)*) sf] nflu qmd; $@=&$,
^#=!) / #$=!( k|ltztn] a[l4 x'g] cg'dfg ul/Psf] 5 .
• sd{rf/L vr{ cf=a= )&&÷)&*, )&*÷)&( / )&(÷)*) sf] nflu qmd; !*=^#, !(=&$, / @!=!$
k|ltztn] a[l4 x'g] cg'dfg ul/Psf] 5 .
cGo ;+rfng vr{ cf=a= )&&÷)&*, )&*÷)&( / )&(÷)*) sf] nflu qmd; 44=37, @)=#%, / !^=*)
k|ltzt n] a[l4 x'g] cg'dfg ul/Psf] 5 .
• shf{sf] ;Defljt gf]S;fgL cf=a= )&&÷)&*, )&*÷)&( / )&(÷)*) sf] nflu qmd; !=$, 1=69, /
!=^( k|ltzt sfod /xg] cg'dfg ul/Psf] 5 .

ljlQo k|Ifk0fsf kd'v cfwf/x?sf] cflrTo M

• lgIf]kdf cf}ift a[l4b/
n3'ljQ ljQLo ;+:yfsf] zfvf sfo{nox?sf] a[l4;Fu} u|fxs ;b:ox?sf] ;+Vofdf a[l4 ;lxt artdf ;d]t
a[l4 x'g] ePsf] x'gfn] cf=j= @)&&÷)&* df $@=$$Ü sf b/n] a[l4 x'g] k|If]k0f cf}lrTo k"0f{ /x]sf 5
. tt\kZrft qmdzM yk zfvf sfof{nox?sf] ;+Vofdf a[l4 x'g] ePsf]n] cf=j= @)&*÷&() df @(=)!Ü n]
/ cf=j= @)&(÷*) df @(=)$Ü n] x'g] lgIf]k a[l4sf] k|If]k0f oyfy{k/s /x]sf] 5 .
• shf{ tyf ;fk6df cf}ift a[l4b/

22
u|fxs ;b:ox?sf] ;+Vofsf] a[l4;Fu} shf{ tyf ;fk6df klg j[l4 x'g] ePsf]n] cf=j= @)&&÷)&* df &!=$#Ü
n] j[l4 x'g] k|If]k0f ul/Psf] 5 . ;f]xL adf]lhd cf=j= @)&*÷&( / cf=j= @)&(÷*) df qmdzM ^@=(#Ü /
@#=)*Ü sf] j[l4 k|If]k0f ul/Psf] 5 .
• s"n cfodf cf}ift j[l4
n3'ljQ ljQLo ;+:yfsf] shf{ nufgLdf j[l4 x'g] ePsfn] cf=j= @)&&÷)&* df s'n cfodf $@=&$Ü n] j[l4
x'g] k|If]k0f ul/Psf] xf] / cf=j= @)&*÷&( tyf cf=j= @)&(÷*) df qmdz ^#=!) / #$=!( k sf] j[l4
k|If]k0f ul/Psf] 5 .
• s"n vr{df cf}ift j[l4
n3'ljQ ljQLo ;+:yfdf sd{rf/Lx?sf] ;+Vofdf a[l4sf] ;fy} tna eQfdf ePsf] a[l4 tyf a}+s ljQLo ;+:yfn]
shf{ ;fk6Ldf lng] Aofhdf a[l4 ePsf] sf/0fn] ubf{ cf=j= @)&&÷)&* df s"n vr{df $@=($ Ü n] a[l4
x'g] k|If]k0f ul/Psf] 5 . ;fy} cf=j= @)&*÷&(df s"n vr{df $&=$( Ü n] a[l4 x'g] k|If]k0f ul/Psf] 5 . a}+s
tyf ljQLo ;+:yfsf] Aofh b/df s]xL k|ltzt 36\g] cg'dfg ul/Psf]n] cf=j= @)&(÷*) df #!=()Ü n] s"n
vr{df j[l4 x'g] k|If]k0f ul/Psf] 5 .
• ;+rfng vr{ tyf s"n cfDbfgL cg'kft
;+rfng vr{ / s"n cfDbfgLdf ul/Psf] k|If]k0fsf] cfwf/df g} ;+rfng vr{ tyf s"n cfDbfgLsf] cg'kft
k|If]k0f ul/Psf] 5 . h; cg';f/ @)&&÷)&*, @)&*÷)&( / @)&(÷)*) Dff ;+rfng vr{ tyf s"n cfDbfgL
cg'kft qmdz @(=$, @@=%!/ @)=(% k|ltzt x'g] k|If]k0f ul/Psf] 5 .
• lgIf]ksf] cf}ift Aofhb/ k|ltztdf
ut jif{x?sf] jf:tljs cfFs8f tyf cfpFbf] jif{sf] ;+rfng of]hgfsf] cfwf/df ;+:yfsf] ljQLo k|If]k0fdf jrt
stf{x?nfO{ lbO{g] Aofhsf] b/ cf=j= @)&&÷)&*, @)&*÷)&( / cf=j= @)&(÷*), df qmdzM ^=*(, ^=@#
/ ^=!% k|ltzt x'g] k|If]k0f ul/Psf] 5 .
• lgIf]ksf] cf}ift Aofhb/ k|ltztdf
ut jif{x?sf] jf:tljs cfFs8f tyf cfpFbf] jif{sf] ;+rfng of]hgfsf] cfwf/df ;+:yfsf] ljQLo k|If]k0fdf
u|fxsx?af6 shf{df lng] Jofhb/ cf=j= @)&&÷)&*, @)&*÷)&( / cf=j= @)&(÷*) df qmdzM &=^%,
&=* / (=#^ k|ltzt x'g] k|If]k0f ul/Psf] 5 .
pk/f]Qm k|If]k0fsf cfwf/x?df cGo lzif{sx?df ;f]xL adf]lhd g} kl/jt{g x'g] ePsfn] ;f]xL cg'?k g} k|If]k0f
ul/Psf] 5 .
• ut jif{x?sf] jf:tljs cfFs8f tyf cfpFbf] jif{sf] ;+rfng of]hgfsf] cfwf/df n3'ljQ ljQLo ;+:yfsf]
Joj:yfkg4f/f ljQLo ljj/0f k|If]k0f ul/Psf] xf] . k"FhL kof{Kttfsf] dfqf g]kfn /fi6« a}+sn] tf]s]sf] cg'kft
cg'?k /xg] u/L k|If]k0f ul/Psf] 5 .
v= ljQLo cg'kft ;DaGwL ljj/0fM
c_ ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt e}g;s]sf] cj:yfdf
;~rfng cjlwsf] tyf cfufdL tLg jif{sf] k|Iflkt klt z]o/ cfDbfgL(EPS)tyf klt z]o/ g]6jy{ lgDgfg';f/ 5 .
n3ljQ ljQLo ;:yfsf] jf:tljs tyf k|Iflkt OlkP; / g]6jy{ klt z]o/ b]xfo adflhd 5 M

jf:tljs -?=xhf/df_ k|If]lkt -?=xhf/df_

ljj/0f
)&$÷)&% )&%÷)&^ )&^÷)&& )&&÷)&* )&*÷)&( )&(÷*)
Rf'Qmf k"FhL 39,523=61 60,000 60,000 100,000 100,000 100,000
k|:tfljt af]gz z]o/ –– –– –– –– –– ––
hu]8f tyf sf]ifx? -1,53=67_ 95,291=86 127,894 193,813 284,652 429,877
hDdf 39,369=94 1,55,291=86 187,894 293,813 384,652 529,877
36fpg] M ckn]vg ug{ –
–– –– –– –– ––
aFfsL vr{
s'n g]6jf]y{ 39,369=94 1,55,291=86 187,894 293,813 384,652 529,877
Zf]o/ ;+Vof -xhf/df_ 395 600 600 1,000 1,000 1,000
k|lt z]o/ cfDbfgL -?=_ -0=39_ 40=39 57=85 51=23 65=37 104=82
k|lt z]o/ g]6jf]y{ -?=_ 99=61 258=82 313=16 294 385 530
k|lt z]o/ r'Qmf k"FhL -?=_ 100 100 100 100 100 100

23
g]6jf]y{df cf};t k|ltkmn -)=#(_ 15=61 18=47 17=43 16=99 19=78
-Ü_
lgisfzg k"j{sf] k|lt z]o/
cfDbfgL -k|ltzt_ sfod
/fVg j[l4 x'g] g]6jy{df 20
cfjZos Go'gtd k|ltkmn

cf_ ljut # jif{sf] g]6jy{df ePsf] cf}ift kltkmn M !&=)$ kltzt

-@ jif{sf] dfq ;dfj]z ul/Psf] cfly{s jif{ @)&$÷)&% df ljlQo dWo:tstf{ eO{ sfd
u/]sf]_ u=!)= lwtf]kq lgisfzg ;DaGwL ljj/0f M
s= lwtf]kq hf/L ug'{sf] p2]Zo M
!_ a}+s tyf ljQLo ;+:yf ;DaGwL Pg, @)&# cg'?k slDtdf #)Ü z]o/ ;j{;fwf/0fdf laqmL ug'{kg]{ ePsf] / ;f]xL
adflhd n3ljQ ljQLo ;+:yfsf] k|jGw–kqdf hf/L k"FhLsf] $)Ü z]o/ ;j{;fwf/0fdf laqmL ug'{kg]{
k|fjwfg cg'?k
?= $,)),)),)))÷ zo/ kF"hL ;j{;fwf/0f g]kfnL gful/sx? -sd{rf/L / ;fdlxs nufgL sf]if ;d]t_ nfO{ laqmL
ljt/0f u/L n3ljQ ljQLo ;+:yfsf] hf/L k"FhL ? =!),)),)),)))÷– k'of{pg .
@_ n3ljQ ljQLo ;+:yfn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pjd\ cfly{s ultljlwx?nfO{ lj:tf/ ug{
cfjZos kg]{ k"FhLsf] Joj:yf ug{ .
#_ ljQLo ;+:yfsf] k|jGw–kq tyf lgodfjnLdf pNn]v ul/Psf p2Zox? cg'?k ug'{kg]{ sfo{x?sf] nflu cfjZos kg]{ k"FhL
;+sng ug{ .
v= lwtf]kq lgisfzgaf6 k|fKt k"FhLsf] pkof]u M
-c_ lgisfzgaf6 k|fKt xg] s"n /sdnfO{ k|of]u ug]{ tl/sf / If]q ;DaGwL ljj/0f
M lgisfzgaf6 k|fKt x'g] s'n /sd tn pNnlvt ljleGg If]qx?df k|of]u
xg]5 M
• eflts kjfwf/ tyf zfvf lj:tf/– ?= @,)),)),)))÷–
• kzkfng tyf sifLshf{ – ?= %),)),)))÷–
• vb|f Jofkf/ / ;jf shf{ – ?= %),)),)))÷–
• ;fgf tyf 3/n' pBf]u shf{ – ?= !,)),)),)))÷–

-cf_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|flKt ug{sf] nflu
ckgfOg] j}slNks Joj:yf M
ljutdf cGo a}+s tyf ljQLo ;:yfx?n] ;j{;fwf/0fdf z]o/ lgisfzg ubf{ lgisflzt z]o/x? k"0f{ ?kdf cfj]bg k|fKt
xg] blvPsf]n] o; n3ljQljQLo ;+:yfsf] lgisflzt z]o/x? klg k"0f{ ?kdf laqmL xg] n3ljQ ljQLo ;+:yfsf] wf/0ff
/x]sf] 5 . sy+sbflrt lgisfzg ul/g] ;fwf/0f z]o/x? k0f{?kdf laqmL gePdf, >L ke' Soflk6n lnld68n] lgisfzg
/sdsf] zt kltzt z]o/ cfkmn] v/Lb ug]{ k|Tofelt ;D´f}tf ul/Psf] 5 .
-O_ cfof]hgfsf] ;~rfng :yfg, cfof]hgf r/0fa4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{, sg} r/0f
;dfKt e};s]sf] eP ;f] ;DaGwL ljj/0f M
;f] gePsf] .
-O{_ cfofhgf ;DkGg xg], kl/If0f pTkfbg z'? xg] / k"0f{ Joj;flos pTkfbg z'? xg] cg'dflgt ldlt M
;f] gePsf] .
-p_ ;+ul7t ;+:yfn] sg} pks/0f v/Lb u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"No jf k|:tfljt d"No, ;Knfo;{sf] gfd
/ ;Knfo;;Fu ;Demf}tf ePsf] eP ;f] sf] d"Vo d"Vo a'Fbfx?M M
;f] gePsf] .
-pm_ s'g} kf6L{;Fu kltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, /f]oN6L, ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws ;Demf}tf
ul/Psf] eP ;f] sf] kd'v zt{x? / kf6L{sf] gfd, 7]ufgf ;DaGwL lj:t[t ljj/0f M
;f] gePsf] .
24
 -P_ pTkfbg ;DaGwL cfof]hgf eP, ;f] sf] kslt, k|of]ustf{, klt:kwf{, nlIft ;d"x, pTkfbg Ifdtf, ljut jif{x?sf]
Ifdtf pkef]u jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M
;f] gePsf] .
-P]_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M
;f] gePsf] .
-cf]_cfof]hgfsf] nflu cfjZos xg] ljBt, kfgL, Uof;sf] dfqf / To;sf] >f]t M
;f] gePsf] .
-cf}_ ;fj{hlgs lgisfzgsf nflu ul/g] vr{ kd'v ?kdf b]xfodf pNnlvt kIfx?nfO{ lbg] z'Nsx? ;DaGwL ljj/0f M
-!_ lgisfzg tyf laqmL k|jGws M
o; ljj/0fkq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fdf laqmL ul/g] ;fwf/0f z]o/sf] lgisfzg tyf laqmL k|jGws ;DaGwL
sfo{sf nflu lgo'Qm >L g]kfn P;lacfO{ dr06 alsË lnld68, xflQ;f/, sf7df8fn
}+ fO{ pQm ;]jf k|bfg u/] jfkt Psdi7
?=!)),)))÷– -cIf?kL Ps nfv ?k}+of dfq_ e'QmfgL lbOg]5 .
-@_ 6li6 -l8j]Gr/ lgisfzgsf] xsdf_ M
;f] gePsf] .
-#_ k|Tofeltstf{ M
k|Tofe"tLstf{ >L ke' Soflk6n lnld6]8nfO{ k|Tofelt ;]jf k|bfg u/] jfkt ?= %),))) -cIf/]kL krf; xhf/ dfq_
cfjZos s/ s6\6L u/L sldzgsf] ?kdf lbOg] 5 .
-$_ lj1x? M
;f] gePsf] .
-%_ n]vfkl/Ifs M
ljQLo ;+:yfsf] cf=a=)&^÷)&& sf] n]vfkl/If0f ;DaGwL sfo{ kL=jfO=;L P08 P;f]l;P6\;sf rf6{8{
PsfpG6]06 >L lzvf jfUnfn] ug'{ ePsf] xf] . pQm n]vfkl/If0fsf] sfo{ ug{sf nflu ;]jf z'Ns afkt
Eof6 ;lxt ? *(,!^*÷—-cIf?kL pgfGgAa] xhf. Ps ;oc8\;7\7L_ ?k}+of dfq_ k|bfg u/]sf] 5 .
-^_ cGo -h:t} ;+sng s]Gb|, lgisfzg a}+s cflb_M
cf:jf ;b:o a}+s tyf ljlQo ;+:yfx? ;+sng s]Gb|sf] ?kdf /xg] 5g\ .
u= ;fj{hlgs lgisfzgaf6 k|fKt /sdnfO{ kl/of]hgfdf k|of]u ug{ kj{ cGo sg} Joj:yf ug{ nfluPsf] 5 eg] tT;DaGwL ljj/0f M
;f] gePsf] .
3= lkldoddf lwtf]kq hf/L ug]{ ePdf M
lkldod yk gul/Psf]] .
ª= lwtf]kqsf] afF8kmfF8, lkmtf{ e'QmfgL tyf ;"rLs/0f ;DaGwL Joj:yf M
-!_ cToflws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmfF8sf] kls|of M
o; ljj/0fkq dfkm{t hf/L ul/Psf] ;fwf/0f z]o/ v/Lbsf] nflu cToflws jf Go'g dfu eO k|fKt ePsf cfj]bgx?nfO
lwtf]kq lgisfzg tyf afF8kmfF8 lgblzsf, @)&$ sf] bkmf #) df ePsf] k|fjwfg cg';f/ cfj]bsx?df lwtf]kq
afF8kmfF8 ul/g]5 / z]o/ afF8kmfF8 ;DalGw ;rgf /fli6«o :t/sf] blgs klqsfdf k|sflzt ul/g] 5 . olb lgisfzg
ul/Psf] z]o/sf] ;Vof eGbf sd z]o/ vl/bsf nflu b/vf:t k|fKt x'g cfPdf dfu adflhd lwtff]kq af8kmFf6 ul/
afFsL /x]sf] z]o/ k|Tofeltstfn] k|Tofelt ;DaGwL ;Demf}tfdf ePsf] Joj:yf cg';f/ vl/b ug]{5 .
-@_ cToflws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DjGwL Joj:yf M
z]o/ ljs|L aGb ePsf] ldltn] g]kfn lwtf]kq af8n] tf]s]sf] ;dofjlwleq z]o/ af8kmfF8 ul/ k"0f{ jf cflzs ?kdf
:jLs[t÷c:jLs[t ePsf] Joxf]/f pNn]v ul/ lwtf]kq vl/b - ;fj{hlgs lgisfzg_ ;DalGw lgblzsf, @)&# sf] cg;"rL
& adflhdsf] ljj/0f ;DalGw l; cf:af -C-ASBA) ;b:o a}+s tyf ljQLo ;:+yfx?nfO pknAw u/fOg] 5 / ;f]xL ljj/0f
cg'?k l; cf:af - C-ASBA) ;b:o a}+s tyf ljQLo ;:+yfx?n] af8kmf8df gk/]sf] z]o/ afktsf] /sd ;DalGwt
cfj]bsx?sf]
/.]Ssf /x]sf] a}+s vftf km's'jf ul/ lkmtf{ ul/lbg]5 .

25
 -#_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Jofhb/ M
lwtf]kq vl/b - ;fj{hlgs lgisfzg_ ;DalGw lgblzsf, @)&# k"0f{?kdf nfu' eO;s]sf] ;Gbe{df of] Joj:yf nfu' gxg] .
-$_ lwtf]kq afF8kmFf8 tyf k|df0fkq hf/L ;DjGwL k|s[of / ;dofjlw M
o; ljj/0fkq cg';f/ hf/L ul/Psf] ;fwf/0f z]o/x? lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# tyf g]kfn lwtfkq
af8{sf] k|rlnt Joj:yf cg';f/ lgwfl/t ;do leq afF8kmfF8 u/L k"0f{ jf cflzs ?kdf :jLs[t÷c:jLs[t ePsf]
Joxf]/f hgfO k|rlnt Joj:yf cg';f/ lgwfl/t cjlwleq afF8kmfF8af6 sfod ePsf z]o/wgLx?nfO{ lghx?n]
cfjbgdf pNn]v u/]sf] lxtu|fxL vftfdf z]o/sf] ;lrs/0f ePkZrft ;fem} hDdf ug]{ Joj:yf ul/g]5 .
-%_ lwtf]kq ;"rLs/0f eO{ ;s]sf] eP, To:tf] lwtf]kq ;lrs/0f ul/Psf] lwtf]kq ahf/sf] gfd / lwtf]kqsf] sf/f]jf/ z'?
x'gsf] nflu ;+ul7t ;+:yfn] k"/f ug{'kg]{ zt{x? ;DjGwL ljj/0f M
xfn ;Dd ;"rLs/0f eO{ g;s]sf] .
-^_ lwtf]kq ;"rLs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kq k|rlnt P]g lgod cg';f/ ;xh
v/Lb, laqmL jf ljlgdo x'g ;Sg] u/fpgsf nflu ul/g] Joj:yf ;DjGwL ljj/0f M
xfn;Dd ;lrs/0f eO{ g;s]sf] x'Fbf o; z]o/sf] afF8kmfF8 kZrft g]kfn :6s PS;r]~h lnld6]8 tyf l;l8P;
P08 lSnol/Ë lnld6]8sf] lgodfg';f/ z]o/sf] ;lrs/0f u/fO{ lwtf]kqsf] sf/faf/ ug]{ Joj:yf ldnfOg]5 .
r= k|Tofelt ;DaGwL ljj/0fM
-s_ lwtf]kq k|Tofelt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|Tofelt ug]{ lwtf]kqsf] ;+Vof / /sd
o; ljj/0fkq dfkm{t ;j{;fwf/0fdf lgisfzg ug{ nfluPsf] $,)),))) lsQf ;fwf/0f z]o/sf] nflu ? $,)),)),)))÷–
/sd cyf{t zt kltzt /sd >L ke' Soflk6n lnld68, sdnfbL sf7df08f}+åf/f k|Tofelt ;]jf k|bfg ul/Psf] 5 .
-v_ lwtf]kq k|Tofeltstf;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo a"Fbfx?
o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] lwtf]kqsf] k|Tofeltstf;Fu d'Vo a'Fbfx? b]xfo adflhd /x]sf] 5 .
c_ k|Tofeltstfn] $,)),))) lsQfn] x'g cfpg] /sd ?= $,)),)),)))÷– a/fa/sf] nflu k|Tofelt ;]jf k|bfg u/]sf]
5.
cf_ k|Tofeltstf{nfO{ k|Tofelt ;]jf k|bfg u/] jfkt n3ljQ ljQLo ;+:yfn] ?= %))))÷– nfUg] s/ s6\6L ul/ sldzgsf]
?kdf lbOg] 5 .
O_ o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/x?df k|Tofeltstfx?sf] bfloTj kTofeltt lsQf z]o/x?df dfq ;Lldt
xg]5 .
O{_ o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/x? k"0f{ ?kdf laqmL gePdf dfly pNnlvt kTofeltt lsQf z]o/x?df
;Lldt xg] u/L v/Lb ug]{ ;xdtL hgfPsf] 5 .
p_ o; ;Demf}tf kqsf] cjlw ;j{;fwf/0f z]o/ lgisfzg afF8kmfF6 eP kZrft ;lsg] 5 .
pm_ o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/x? k"0f{ ?kdf laqmL ePsf] hfgsf/L k|fKt kZrft ;Demf}tf kq :jtM
vf/]h xg]5 .
P_ o; ;Demf}tfsf] AofVofdf jf sfof{Gjogdf dt leGgtf ePdf jf ljjfb pTkGg ePdf ;a} kIfsf] ;xsfo{df ljjfb lg/f]k0f
ul/g]5 . ;f] af6 ljjfb lg/fk0f gePdf ;a} kIfn] Ps Ps hgf dWo:ystf{ lgoQm ug]{5g . o;/L lgoQm
dWo:ystf{sf]
;xdtLDff d'Vo dWo:ystf{ sf] lgolqm u/Lg] 5 / dWo:ystf{4f/f ul/Psf] lg0{o ;akIfnfO{ dfGo xg]5 .
5= cfj]bg lb+bf Wofg lbg'kg]{ s'/fx?M M
-s_ lwtf]kqjfnfsf] clwsf/ tyf kltaGwfTds Joj:yfx? h:t} dtflwsf/, nfefz, xsk|b z]o/, lwtf]kqjfnfsf] clwsf/df
kl/jt{g ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DjGwL ljj/0f M
lwtf]kqjfnfsf] clwsf/ tyf kltaGwfTds Joj:yfx? h:t} dtflwsf/, lwtf]kqjfnfsf] clwsf/df kl/jt{g ug{ k|s[of
tyf lwtf]kq vf/]hL cflb ;DaGwL Joj:yf k|rlnt sfg"g adflhd x'g]5÷ul/g]5 ;fy}, nfef+z, xsk|b z]o/ cflb
;DaGwL ljj/0f n3ljQ ljQLo ;+:yfn] lgoldt ?kdf cfh{g ug]{ d'gfkmf, tyf n3ljQ ljQLo ;+:yfsf] k"FhL of]hgf
cg';f/ k|rlnt sfg"g adflhd ul/g]5 .
-v_ lgodfjnL, k|jGwkq k|fKt ug]{ jf x]g{ ;lsg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof / ;f] eGbf dfly
lng]
ePdf s'g u'0ff‹df lng ;lsg] xf] ;f] ;DaGwL ljj/0f M
!= ljQLo ;+:yfsf] k|jGw—kq tyf lgodfjnL ljQLo ;+:yfsf] /lhi68{ -s]Gb|Lo_ sfof{no sfe|] lhNnf ag]kf gu/kflnsf –!#,
;fFufdf / o; lgisfzg sfo{sf nflu lgo'Qm lwtf]kq lgisfzg tyf laqmL k|aGws >L g]kfn P;lacfO{ dr]{06
26
alsË lnld68, xflQ;f/, sf7df08f}+df sfofno ;do leq ;Dks{ /fvL xg{ jf k|fKt ug{ ;lsg] 5 .

27
 @= o; ljj/0fkq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/sf] vl/bsf nflu b/vf:t lb+bf b/vf:tjfnfn] Gogtd !) -bz_ lsQf
;fwf/0f z]o/sf] nflu b/vf:t lbg'kg]{5 . olb b/vf:tjfnfn] !) -bz_ lsQfeGbf a9L ;fwf/0f z]o/ vl/b ug{sf nflu
b/vf:t lbg rfx]df !) -bz_ cÍsf] u'0ffÍdf clwstd !,))) lsQf ;fwf/0f z]o/ vl/b ug{sf nflu b/vf:t lbg
;Sg]5 .
#= o; ljj/0fkq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/ vl/b ug{sf nflu b/vf:t lb+bf b/vf:tjfnfn] b/vf:t;fy cfkmn]
v/Lb ug{ rfx]sf] lwtf]kq ;+Vofsf] klt lwtf]kq ?=!)).— -Ps ;o_ sf b/n] x'g cfpg] Psdi7 /sd g]kfn
lwtf]kq af8af6 Ohfhtkq k|fKt l;–cf:jf -C-ASBA_ ;b:o a}+s tyf ljQLo ;:Yffdf hDdf ul/ cfj]bg lbg ;Sg]5 .
-u_ cfj]bg lb+bf kfng ug{'kg]{ zt{ aGb]hx? h:t} Ps eGbf a9L b/vf:t lbg gkfOg], nufgLstf{sf] klxrfgsf]
nflu gful/stf÷hGdbtf{sf] k|dfl0ft k|df0fkqsf] kltlnlk k]z ug{'kg]{ jf lwtf]kq bnfn Joj;foLn] lbPsf] u|fxs
kl/ro kq /
;DjlGwt Joj;foLsf] gfd v'nfpg'kg]{ / a}+s vftf dfkm{t sf/f]jf/ ul/g'kg]{ h:Tff kIfx? M
g]kfnL gful/sn] o; ljj/0fkq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/ vl/bsf nflu cfj]bg lb+bf lgDd adflhdsf k|s[of tyf
zt{x? k'/f u/]sf] x'gkg]{5 .
!= cfj]bsn] l;–cf:jf k|0ffnLaf6 cfkm\gf] vftf /x]sf] ;DalGwt a}+s tyf ljQLo ;:Yf dfkm{t dfq cfjbg lbg'kg]{5 .
@= cf:jf k|0ffnL cGtu{tsf] cfjbg lbFbf lwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgblzsf, @)&#, cg';"rL $ sf]
;Dk"0f{ ljj/0fx? :ki6 ?kdf v'nfpg' kg]{ -h:t}M l8kL cfO{8L / SnfOG6 cfO8L, vftf g=, gfd, y/, 7]ufgf, ;Dks{ g+=
gful/stf g=, lwtf]kq lgisfzg sDkgLsf] gfd, v/Lb ug{ rfx]sf] lwtf]kqsf] ;+Vof, v/Lb ug{ rfx]sf] lwtf]kqsf] /sd
cflb_ .
#= cfj]bsn] cfjbg lbg'kj{ cfkm\gf] vftf /x]sf] ;DalGwt a}+s tyf ljQLo ;+:yfdf uO{ ælwtf]kqsf] ;fjhlgs lgisfzg sf]
s]Gb|Ls[t ljB'tLo ;]jf sfo{ ;~rfng lgblzsf, @)&$Æ sf] cg';"rL $ adflhdsf] l;–cf:jf /lhi6z « g kmf/fd km/L CRN
g+= lng'kg]{5 .
$= cfj]bssf] a}+s vftfdf ePsf] ljj/0f / cg;"rL $ df ePsf] ljj/0f ldNgkg]{5 .
%= cfj]bsn] CRN g+= k|fKt u/]kZrft z]o/ vl/bsf nflu tflsPsf] 9fFrfdf ;DalGwt a}+s tyf ljQLo ;+:yfdf
lwtf]kq vl/bsf nflu cfjbg lbg' kg]{5 .
^= cfj]bsn] cfjbgdf pNn]v u/]sf] lxtu|fxL kl/ro g+= cGo ljj/0f l;–cf:jf ;km\6jo/df /x]sf] cfjbssf] lxtu|fxL vftf
/ cGo ljj/0f;Fu ?h' xg'kg]{5 .
&= cfj]bsn] cfjbg kmf/fd aemfpFbf b]xfosf s'/fx?df ljz]if Wofg lbO{ :ki6;Fu cfj]bg kmf/fd e/L aemfpg' kg]{5
M s= lwtf]kq lgisfzgstf{ sDkgLsf] gfd .
v_ cfj]bssf] gfd, y/, 7]ufgf, gful/stf g=, b:tvt, ;Dks{ kmf]g g++= / Od]n
. u_ gfafns / ljlIfKt JolQmsf] xsdf ;+/Ifssf] gfd, y/ / gftf .
3_ vl/b ug{ rfx]sf] lwtf]kqsf] ;+Vof -c+s / cIf/df_
ª_ vl/b ug{ rfx]sf] lwtf]kq jfktsf] /sd -c+s / cIf/df_
r_ cfj]bssf] vftf /x]sf] a}+ssf] gfd, 7]ufgf, vftf g++= / vftfsf] lsl;d
. 5_ cfjb]ssf] lxtu|fxL -l8Dof6_ vftf gDa/
*= cfj]bsn] cfjbg lb+bf l;–cf:jf ;b:o a}+s tyf ljQLo ;+:yfx?df /x]sf] cfjbg jfktsf] /sd /f]Ssf /flvg] vftf
cGo sg} k|sf/n] /f]Ssf /x]sf] jf lglis[o /x]sf] xg'xb}g .
(= cfjbg lbPsf] /sd a/fa/sf] /sd a}+s vftfdf xg'kg]{5 .
!)= Ps JolQmn] cfkmn] v/Lb ug{ rfx]sf] ;fwf/0f zo/sf] nflu Ps eGbf al9 b/vf:t lbg kfOg] 5}g . olb Ps
JolQmsf] gfddf Ps eGbf al9 cfj]bg k|fKt x'g cfPdf ;Dk0f{ b/vf:tnfO{ /2 ul/g]5 .
!!= lwtf]kq vl/bsf nflu b/vf:t lb+bfsf] cj:yfdf jf b/vf:t lbO;s]kl5 vl/b u/]sf] lwtf]kq jfktsf] /sd e'QmfgL
gxb} k|rlnt sfg'g adflhd clwsf/ k|fKt clwsf/L jf lgsfoaf6 nufgLstf{sf] vftf /f]Ssf /fVg] cfb]z k|fKt ePdf
lgisfzg tyf ljqmL kaGwsn] To:tf] b/vf:t kmf/fdnfO{ cfb]z adflhd ul/g]5 .
28
 !@= lwtf]kq afF8kmfF6 ugkj{ clVtof/ k|fKt lgsfoaf6 sg} nufgLstf{sf] vftf /fSsf /fVg cfb]z jf lgbzg k|fKt ePdf
;DalGwt a}+s tyf ljQLo ;+:yfn] To:tf] cfb]z jf lgb]{zg cg';f/ ;DalGwt nufgLstf{sf] vftf /fSsf u/L
To;sf] hfgsf/L t'?Gt lgisfzg tyf laqmL kaGwsnfO{ lbg'kg]{5 .
!#= l;l8P; P08 lSnol/Ë ln= af6 pknAw u/fOPsf] æd]/f] ;]o/Æ ;km\6j]o/af6 klg cfj]bsn] cfjbg lbg ;Sg]5g\ .
To;sf nflu cfj]bsn] cfkm\gf] lxtu|fxL vftfdf a}+s vftfsf] ljj/0f pNn]v ul/;s]sf] xg'kg]{5 / ;DalGwt a}+s
tyf ljQLo
;+:yfaf6 CRN g+= lnO;s]sf] xg'kg]{5 .
!$= l/tkj{s k|fKt gePsf] b/vf:t kmf/fdnfO{ ;fwf/0f z]o/ afF8kmfF6df ;dfj]z ul/g] 5}g / ;f] sf] lhDd]jf/ cfj]bs
/
;DalGwt l;–cf:jf ;b:o a}+s tyf ljQLo ;+:yf :jo+ xg'kg]{5 .
!%= z]o/ afF8kmfF6 ul/ ;"rLs/0f kZrft afF8kmfF6df k/sf cfj]bsx?nfO{ afF8kmfF6df k/]sf] zo/ lghx?sf] lxtu|fxL
vftfdf hDdf ug]{ Joj:yf ul/g]5 .
!^= ?= % nfv ;Ddsf] nflu cfj]bg lbg] cfj]bsn] :jlR5s ?kdf / ;f] eGbf al9 /sdsf] nflu cfj]bg lbg]
cfj]bsn] clgjfo{ ?kdf Kofg gDa/ b/vf:t kmf/fddf v'nfpg' kg]{5 .
u= !!= ;DalGwt kIf aLrsf] sf/faf/ ;DaGwL ljj/0f M
ljQLo ;+:yf / lgDglnlvt kIf aLr ljut @ jif{sf] cjlwdf sg} ksf/sf] j:t'ut sf/f]jf/ ePsf] jf sg} sf/f]jf/ ug{ k|:tfj
ul/Psf] eP sf/fj]f/df ;+nUg JolQmx?sf] gfd, ltgLx?sf] ;+:yf;Fusf] ;DaGw, sf/f]jf/sf] k|slt / /sd ;DaGwL ljj/0fM
s= ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfnssf] ?kdf /x]sf] JolQm M
;f] gePsf] .
v= cfwf/e"t z]o/wgL M
;f] gePsf] .
u= v08 -s_ / -v_ df pNnlvt s'g} JolQmsf] Psf3/ kl/jf/sf] ;b:o M
;f] gePsf] .
3= ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfns jf cfwf/e"t z]o/wgLn] #) kltzt jf ;f] eGbf a9L dtflwsf/
xg] u/L z]o/ :jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yf M
;f] gePsf] .
ª= ;+ul7t ;+:yfsf] jf o;sf] ;xfos sDkgLn] xfnsf] ;~rfns jf lghsf] Psf3/ kl/jf/sf] ;b:osf nflu sg}
sf/faf/ jf ;Demf}tf u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # jif{ cufl8sf] cjlwdf ljQLo ;+:yfsf]]
;~rfns jf
;~rfnssf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/faf/ jf ;Demf}tf u/]sf] eP ;f] s'/f
M gePsf] .
r= sg} ;~rfns jf ;~rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP pQm C0f
;DaGwL lj:t[t ljj/0f h:t} C0f afkt lnPsf] /sd, C0fsf] Jofhb/, C0f lnPsf] ldlt, C0f e'QmfgL cjlw cflb
ljj/0f M
;f] gePsf] .
u=!@= ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f M ;f] gePsf] .
u=!#= ;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] ;DaGwL ljj/0f M
s= ;+ul7t ;+:yfsf] ljut # cfly{s jif{sf] q}dfl;s cjlwsf] pRrtd, Go"gtd, clGtd ahf/ d"Nosf ;fy} sf/faf/ ePsf] z]o/
;+Vof M
;f] gePsf] .
v= af]8{df ljj/0fkq btf{sf] nflu k|:t't ugeGbf ^ dlxgf cufl8sf] cjlwsf] dfl;s ?kdf pRr, Go"g / clGtd d"Nosf
;fy} k|To]s dlxgfdf sf/faf/ ePsf] s'n lbg / s'n sf/faf/ ePsf] lwtf]kqsf] ;+Vof M
;f] gePsf] .
u=!$= kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M ;f] gePsf]
. u=!%= k/fdz{bftf÷ljz]if1 ;DaGwL ljj/0f M
29
s= n]vfk/LIfs, k|d'v a}+s, lgisfzg sfo;
{ Fu ;+nUg a}+s, k|If]lkt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1 cflbsf] gfd
tyf 7]ufgf
-c_ n]vfk/LIfs M

30
 ljQLo ;+:yfsf] cf=j= @)&^÷)&& sf] cfDbfgL vr{ lx;fa tyf jf;nftsf] n]vfk/LIf0f >L kL=jfO=;L= P08 P;fl;P6;\sf
rf68{ Psfp6]06 >L lzvf jfUnfn] ugePsf] 5 .
-cf_ lgisfzg a}+s (BankerstotheIssue) M
o; ljj/0fkq dfkm{t lgisflzt ;fwf/0f z]o/x?sf] nflu lgisfzg a}+s (BankertotheIssue) sf] ?kdf g]kfn P;lacfO{
a}+s lnld68, sf7df8f}+nfO{ tflsPsf] 5 .
-O_ ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1 M
o; ljj/0fkqdf pNn]v ul/Psf] ljQLo ljj/0f tof/ kfg]{ lj1df ljQLo ;+:yf cfkm} /x]sf] 5 .
-O{_ ljQLo k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1 M
o; ljj/0fkqdf pNn]v ul/P adflhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x?
k'g/fjnf]sg u/L ;f] cfwf/df tof/ ul/Psf ljQLo k|Ifk0fsf ljj/0f oyfy{k/s /x]sf] egL k|dfl0ft ug]{ ljz]if1df
;lgn rkfFO{ P08 P;fl;P6;\sf rf68{ Psfp6]06 >L ;lgn rkfFO{ Ho" /xg' ePsf] 5 .
v= dfly v08 s= df pNnlvt ;:yf jf JolQm;Fu ePsf] ;xdltsf d'Vo d'Vo a"Fbf tyf zt{x?M
-c_ n]vfk/LIfs M
;f] gePsf] .
-cf_ lgisfzg a}+s (BankerstotheIssue) M
cf:jf k|0ffnL nfu" ePsf]n] lwtf]kq afF8kmfF8 kZrft afF8kmfF8df k/]sf] lwtf]kq jfktsf] /sd ;DalGwt cf:jf ;b:o
a}+s tyf ljlQo ;+:yfx?n] lgisfzg kaGwsaf6 hfgsf/L k|fKt u/]sf] ldltn] # lbgleq pQm /sd lgisfzg
kaGwssf] vftfdf x:tfGt/0f ul/lbg' kg]{5 . ;fy} lwtf]kq af8kmf8df gk/]sf cfj]bsx?sf] xsdf ;d]t
lgisfzg kaGwsaf6 hfgsf/L k|fKt ePsf] # sfolbg leq ;DalGwt cfj]bsx?sf] vftf km's'jf ul/lbg' kg]{5 .
u=!^= cfof]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisfzg afx]s cGo ljQLo >f]tx? k|of]u ul/Psf] 5÷5g, tT;DaGwL ljj/0f M
;f] gePsf] .
u=!&= d'2f tyf ljjfb ;DaGwL ljj/0f M
s= ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;+rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2fdfldnf jf ljjfb eP ;f]
;DaGwL ljj/0f tyf pk/f]Qm d'2f jf ljjfbsf] sf/0faf6 kg{ ;Sg] kefj ;DaGwdf Joj:yfkgsf] wf/0ff M
;f] gePsf] .
v= ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;:yfsf] ;:+yfks÷;~rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL ljj/0f M
;f] gePsf] .
u= ljut kfFr jif{df ;+ul7t ;+:yfsf] sg} ;+:yfks÷;~rfns sfnf;"rLdf k/]sf] jf s'g} glts jf cfly{s sf/0faf6
sg} lgodg lgsfo jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;+:yfks÷;~rfnssf] gfd / ;hfo ug]{ lgodg
lgsfo jf cbfntsf] gfd ;DaGwL ljj/0f M
;f] gePsf] .
3= ;+ul7t ;+:yf a}+s jf ljQLo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf], lwtf]kqjfnfx?sf] sg}
/sd e'QmfgL gul/Psf] eP tT;DaGwL ljj/0f M ;f] gePsf] .
u=!*= u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M
lgisflzt lwtf]kq ;DaGwL nufgLstf{x?sf] u'gf;f] tyf ;emfj ;'Gg tyf ;f] sf] ;dfwfgsf nflu lwtf]kq lgisfzg
tyf laqmL k|jGws g]kfn P;lacfO{ dr06 alsË lnld6]8, xflQ;f/, sf7df8f}+df Pp6f 5'§} sIfsf] Joj:yf ul/Psf] x'Fbf
txfF ;Dks{ ug{ ;lsg]5 . s'g} klg nufgLstfn] o; lgifsfzg ;DalGwt laifodf sg} u'gf;f] jf ;emfjsf nfuL
;Dks{ clwsf/L >L s]bf/ k'8fz}gL nfO{ lghs} sfof{nodf jf lghnfO sfofno ;doleq )! $$!@&$# -PS;= !!&_
df ;Dks{ ug{ ;lsg]5 .
u=!(= gub glnO{ s;}nfO{ lwtfk]q lgisfzg ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, v/Lb ul/Psf] ;DklQ jf ;]jf ;DaGwL
ljj/0f, lgisfzg ul/Psf] lwtf]kqsf] ;+Vof / b/ ;DaGwL ljj/0f M
;f] gePsf] .
u=@)= C0fkq lgisfzg ;DaGwL ljj/0f M
xfn;Dd ljQLo ;+:yfn] C0fkq lgisfzg u/]sf] 5}g / of] ;fwf/0f zo/lgisfzg ;j{;fwf/0fsf nflu dfq xf] .
u=@!= cu|flwsf/ z]o/ lgisfzg ;DaGwL Joj:yf M
cu|flwsf/ z]o/ hf/L ul/Psf] 5}g .
31
u=@@= cGo ;fdfGo hfgsf/L M
s= ljz]if1sf] s'g} /fo ePdf, ;f] sf] ljj/0f M
o; ljj/0fkqdf pNnlvt ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf] n3ljQ ahf/s]f l:ylt, lgisfzgstf{
sDkgLsf] xfnsf] bIftf / lgisfzgstf{ sDkgLn] k|fKt u/]sf] xfn;Ddsf] sfo{ k|ultsf] cfwf/df k'g/fjnf]sg ul/ ljj/0f
7Ls 5 egL hL= k|sfz P08 P;fl;P6\;sf rf6{8 Psfp6]06 >L l;=P= k|sfz uftdn] k|dfl0ft ugePsf] 5 .
v= ut tLg cfly{s jif{ leqdf s'g} ;~rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f] sf] sf/0fM
cfly{s jif{ @)&$÷&% df ;'gLn rkfO{ P08 P;fl;P6\;sf rf6{8 PsfpG6]G6\; l;=P= ;'gLn rkfO{ /xg' ePsf] lyof]
eg] cf=j= @)&%÷&^ df lk=jfO=;L= P08 P;fl;P6\;sf rf6{8 PsfpG6]G6\; >L o'4 /fh cf]nL, P;=;L=P= kf6{g/ / cf=j=
@)&^÷&& df lk=jfO=;L= P08 P;fl;P6\;sf rf6{8 PsfpG6]G6\;sf l;=P= lzvf jfUn] /xg' ePsf] 5 .
u= sDkgL ;lrjsf] gfd, 7]ufgf / ofUotf M
gfd M si0f k|;fb Gof}kfg]
7]ufgf M cfdlkkn–$,
uf]/vf ofUotf M :gftsf]Q/
3= ;fj{hlgs lgisfzg ug{sf nflu ;~rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M
ljQLo ;+:yfsf] hf/L k"FhL ?= !),)),))) lsQf dWo] ;j{;fwf/0fsf] nflu 5'§fOPsf] $) kltztn] x''g cfpg] $,)),)))
lsQf z]o/ lgisfzg k|of]hfgfy{ g]kfn lwtf]kq af8{ ;dIf lgj]bg k]z ug]{ nufot of] ;Fu ;DalGwt cfjZos ;Dk""0f{
k|s[ofsf] nflu ldlt @)&^ dl;/ @& ut] a;]sf] bf;|f] ;fwf/0f ;efn] ;j{;fwf/0fdf k|f/lDes z]o/ lgisfzg ug]{ lg0f{o
u¥of] . o; ;:yfsf] ldlt @)&&÷)&÷)% ut] a;]sf] ;~rfns ;ldltsf] @$ cf]}+ a}7ssf] lg0f{o cg'';f/ kd''v
sfo{sf/L clws[tnfO{ clVtof/ k|bfg ug]{ lg0f{o eof] .
ª=;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if s/ ;ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M
;f] gePsf] .
r= ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f k|fKt ug{ jf xg{
;Sg] 7fpF / ;do M
sfof{no ;doleq lgDglnlvt :yfgx?df sDkgLsf] kl5Nnf] cfly{s jif{sf] nvfk/LIf0f ePsf] jf;nft, gfkmf–gf]S;fg lx;fj
tyf gub k|jfxsf] ljj/0f k|fKt ug{ jf lg/LIf0f ug{ ;lsg] 5 .
-s_ ljQLo ;:yfsf] /lhi68{ -s]Gb|Lo_ sfofno ag]kf gu/kflnsf–!#, ;Ffuf, sfe|]knf~rf]s .
-v_ lwtfkq lgisfzg tyf laqmL kjGws–gkfn P;lacfO{ dr06 alsË lnld68, xflQ;f/, sf7df8f}+ .
5= af]g; z]o/ ;DaGwL Joj:yf M
xfn;Dd afg; zo/ hf/L ul/Psf] 5}g . eljiodf krlnt P]g / gkfn lwtfkq af8sf] krlnt afg; zo/ lgisfzg ;DaGwL
Joj:yf cg;f/ afg; zo/ hf/L ug{ ;Sg]5 .
-h_ z]o/jfnf, sd{rf/L jf c? s;}sf] nflu z]o/ ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M
o; ljj/0fkqåf/f lgisfzg ul/Psf] klt ;fwf/0f z]o/ ?=!)).— clÍt dNo (ParValue) sf s'n 4,00,000 lsQf ;fwf/0f
z]o/ ;+VofdWo] %))) lsQf ;fwf/0f z]o/x? n3ljQ ljQLo ;+:yfsf] ;]jfdf /x]sf sd{rf/Lx?sf nflu 5'6\ofP/
;'/lIft
/flvPsf] 5 / ;fy} @),))) lsQf ;fwf/0f z]o/x? ;fdlxs nufgL sfifsf] nflu 56\ofOsf] 5 . sd{rf/Lx?sf] nflu
o;/L 56\ofOsf] z]o/ sd{rf/Lx?af6 dfu eO{ cfPsf] xsdf ;+rfns ;ldltn] cflrTok'0f{ tj/af6 afF8kmfF8 ug]{ 5 /
sd{rf/Laf6
;Dk'0f{ z]o/sf nflu dfu eO{ gcfPsf] cj:yfdf afFsL z]o/x? ;j{;fwf/0fdf afF8kmfF8 ul/g]5 .
-em_ ljQLo ;+:yfn] sDkgL Pgn] u/]sf] Joj:yfx?, cfˆgf] sf/faf/;Fu ;DalGwt Pg, lgod tyf lgodg Joj:yf k"0f{ kfngf u/]sf]
;DaGwdf u/]sf] pb\3f]if0f M
n3ljQ ljQLo ;+:yfn] sDkgL Pg, @)^# n] u/]sf] Joj:yfx?, cfkmn] ug]{ Joj;fo;Fu ;DalGwt P]g, lgod tyf
lgodg Joj:yf tyf lgodg lgsfox?n] lbPsf] lgb]{zgx?sf] k"0f{ ?kdf kfngf u/]sf] 5 / ;f]xL lgb]{zgx?sf] bfo/f
leq /xL sfo{ ul//x]sf] / o; ljj/0fkqdf pNn]v ul/Psf] ljj/0fx? ;d]t ;f]xL cg'?k tof/ ul/Psf] xf] eGg]
n3ljQ ljQLo ;+:yfsf] pb\3f]if0f /x]sf] 5 . ;fy} o; ljQLo ;+:yfn] sDkgL /lhi6«f/sf] sfofnodf cfly{s jif{
@)&%÷&^ ;Ddsf ljj/0fx? k]z u/]sf] x'gfn] pQm cfy{s jif{ ;Dd o; ljQLo ;+:yf sDkgL /lhi6«f/sf] sfof{nodf
cwfjlws /x]sf] /x]sf] 5 / ;f] Joxf]/fsf] hfgsf/L sDkgL /lhi6«f/sf] sfofnosf] ldlt @)&&÷)&÷@) sf] kqaf6 k|fKt
ePsf] 5 .
30
-`_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M
o; ljj/0fkq dfkm{t lgisflzt ;fwf/0f z]o/ laqmL ljt/0fsf nflu cf:jf ;b:o k|fKt a}+s tyf ljlQo ;+:yfx?sf b]z e/L
kmlnP/ /x]sf tflsPsf zfvfx? Dffkm{t cfj]bg lbg;Sg] Joj:yf /x]sf] 5 .
-6_ ljj/0fkq tof/ ugJ]{oj;foLs ;+:yfsf] gfd / 7]ufgf ;DaGwL ljj/0f M
o; ljj/0fkq tof/ kfg]{ Jofj;flos ;+:yfdf lgisfzg tyf laqmL kjGws M g]kfn P;lacfO{ dr]{06 alsË lnld68, xflQ;f/,
sf7df8f}+ /x]sf] 5 .
-7_ ;sf/fTds kIfx? M
• alsË tyf ljQLo If]qdf cgejL tyf bIf Joj:yfksx? åf/f ;+rflnt .
• u|fxs ;'xfpFbf] cfsif{s ;]jf tyf sfos|d ;fy} n3ljQ ljQLo ;+:yfsf] kl/sNkgf cg'?k :yfgLo :t/df ;/n, ;'ne /
;xh 9+un] cfwlgs tyf kljlwo'Qm alsË k|0ffnLsf] ljsf; ug{ ;s]sf] .
• cfly{s, /fhgLlts / kltikwL{ alsË Aoj;fo ;'xfpbf] /0fgLlt cjnDjg u/L Joj;fo lj:tf/ ug{ ;kmn /x]sf] .
• xfnsf] sfo{If]q tyf hg;d'bfodf ljQLo ;+:yfsf] /fdf] 5jL lgdff{0f ePsf] .
-8_ z]o/ /lhi6«f/ ;DaGwL Joj:yf M
gkfn :6s PS;rGh lnld68df ;rLs/0f u/] kZrft\ zo/sf] bflvn vf/h, b:tvt ?h' cflb ;DaGwL sfo{ o; ljQLo ;:yfsf]
sfofnoaf6 jf n3ljQ ljQLo ;:yfsf] ;~rfns ;ldltn] tfs] adflhd zo/ /lhi6f/sf] sfofnoaf6 xg] u/L Joj:yf
ul/g]5 .
-9_ lwtf]kq laqmL v'Nnf cjlw M
o; ljj/0fkqåf/f lgisfzg ul/Psf] ;fwf/0f z]o/sf] nflu cfj]bg lbg] cjlw !% lbgsf] xg]5 . cfjZostf eGbf a9L ;fwf/0f
z]o/sf] nflu cfj]bg kg{ cfPdf sg} klg avt ;fwf/0f z]o/sf] laqmL aGb ug{ ;lsg]5 t/ ljj/0fkqdf ul/Psf]
Joj:yf cg';f/ sg} klg xfntdf $ sfo{ lbgeGbf cufl8 z]o/ v/Lbsf] cfj]bg lng] sfd aGb ul/g] 5}g .
-0f_ qml86 /l6Ë ;DaGwL Joj:yf M
o; ljj/0fkq cg';f/ lgisfzg ul/g] ;fwf/0f z]o/sf] nflu lwtf]kq btf{ tyf lgisfzg lgodfjnL,
@)&# -t];|f] ;+zf]wg ;lxt_ df ePsf] Joj:yf adf]lhd sDkgLsf] O:o"/ /]l6Ë u/fpg' kg]{ ePsf]n]
qm]l86 /]l6Ë lgodfjnL, @)^* sf] lgod # adf]lhd g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt qm]l86 /]l6Ë
;+:yf O{qmf g]kfn ln= af6 O:o"/ /]l6Ë u/fO{ ÆICRANP] BB Pronounced as ICRANP issuer Rating
Double B]” /]l6Ë k|fKt u/]sf] 5 . lssuers with this Rating are considered to have moderate risk
of default regarding timely servicing of financial obligations. O:o"/ /]l6Ë u|]8 k|bfg u/]sf] ldlt O{=;+
cS6f]j/ @!, @)@) / axfn /xg] cjlw Ps jif{sf] /x]sf] 5 .

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u=@#= ;~rfns tyf lj1x?sf] gfd tyf b:tvt M
o; ljj/0fkqdf k|sflzt tYo tyf ljj/0fx? 7Ls b'?:t 5g, ;f] df sg} km/s k/]df xfdL ;~rfnsx? k"0f{?kdf lhDd]jf/
xg5f}+ egL ;xL 5fk ug]{ ljQLo ;+:yfsf] ;~rfnsx?sf] gfd tyf b:tvt M

qm=;+= ;~rfnsx?sf] gfd kb b:tvt

!= >L tf/f s'jF/ cWoIf

@= >L cfdf]b >]i7 ;~rfns

#= 8f= O{dfg l;+x u'?ª ;~rfns

$= >L O{Gb' s'df/L sfsL{ ;~rfns

%= >L sflknf kf]v/]n ;~rfns

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u=@$= lgisfzg tyf laqmL k|jGwsn] k|:t't u/]sf] klta4tf kq -8\o' 8lnh]G;\\ ;l6lkms]6_ sf] klt
M

33
u=@%= ljj/0fkq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;DaGwL kq M

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