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

ug{
Ohfhtkq k|fKt
;dfh n3'ljQ ljQLo ;+:yf lnld6]8
Samaj Laghubitta Bittiya Sanstha Limited
g]kfn /fi6« a}+saf6 …3Ú ju{sf] Ohfhtkqk|fKt ;+:yf
-# lhNNff sfo{ If]q ePsf]_
s]Gb|Lo sfof{no dn+ujf !), ;nf{xL
kmf]g g= )$^%@!&(%
Od]nM samajlbsl@gmail.com j]e;fO6M www.samajlaghubitta.org.np
ljj/0fkq
-lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt_
jf:tlas ckl/is[t k|If]lkt
ljj/0f
)&#÷&$ )&$÷&% )&%÷&^ @)&^÷&& )&&÷&* )&*÷&( )&(÷*)
k|lt z]o/ cfDbfgL (EPS) (3.40) (18.66) (18.68) 21.30 23.00 22.23 22.83
k|lt z]o/ g]6jy{ 91.85 85.82 67.14 88.45 102.36 124.58 147.41

sDkgLn] cfkm\gf] hf/L k'FhL ?=@,)),)),)))÷–-cIf/]kL b'O{ s/f]8 dfq_ dWo] $#Ü cyf{t ?= *^,)),)))÷–
-cIf/]kL 5of;L nfv_ /sd a/fa/ k|lt z]o/ ?=!))÷— clÍt b/sf *^,))) lsQf dWo] !,))) lsQf cyf{t hf/L
k'FhLsf] )=%Ü z]o/ sd{rf/Lx?nfO{ / $,#)) lsQf cyf{t s'n lgisfzgsf] %Ü z]o/ ;fd"lxs nufgL sf]ifsf] nflu
;'/lIft ul/Psf] / afFsL *),&)) lsQf z]o/ ;j{;fwf/0fdf lgisfzg ul/Psf] .
b/vf:t;fy k|lt z]o/ ?=!))÷— sf] b/n] -ztk|ltzt e'QmfgL dfu ul/Psf]_
nufgLdf x'g] hf]lvd;DaGwL pb\3f]if0f M
lwtf]kqdf ul/g] nufgLdf hf]lvd x'g] ePsf]n] To:tf] hf]lvdsf] d"Nof+sg ug]{ k|d'v bfloTj nufgLstf{ :jo+sf]
x'g]5 / lwtf]kqsf] lgisfzg d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]af/ d'No ghgfpg] x'Fbf o;
ljj/0fkqsf] bkmf * df pNn]lvt hf]lvdx? ;d]tsf] cWoog u/]/ dfq nufgL ;DalGw lg0f{o lng ;'emfj
ul/G5 .
o; n3'ljQ ljQLo ;+:yfnfO{ lso/ /]l6Ë g]kfn lnld6]8n] "CARE-NP B+ (Is) [Single B Plus (Issuer)] "
/]l6Ë k|bfg u/]sf] 5 . (Issuers with this rating are considered to offer high risk of default regarding
timely servicing of financial obligations, in Nepal) ;f] ;DaGwL ljj/0f o; ljj/0fkqsf] bkmf u=@@ -0f_ df
pNn]v ul/Psf] 5 .
/]l6Ë k|bfg u/]sf] ldlt M h'NffO{ @$ @)@), /]l6Ë axfn /xg] cjlw M /]l6Ë k|bfg ul/Psf] ldltn] ! jif{
lgodg lgsfosf] hjfkm b]xLtf g/xg] pb\3f]if0f M
o; ljj/0fkqdf pNn]lvt lwtf]kq ;fj{hlgs lgisfzgsf nflu tof/ ul/Psf] xf] . o; ljj/0fkqnfO{ lwtf]kq
;DaGwL P]g @)^# adf]lhd g]kfn lwtf]kq af]8{n] :jLs[lt k|bfg u/]sf] 5 . o;/L af]8{n] ljj/0fkq :jLs[lt k|bfg
u/]sf] sf/0faf6 s;}n] klg g]kfn lwtf]kq af]8{, g]kfn /fi6« a}+s, sDkgL /lhi6«f/sf] sfof{no jf ;Dj4 cGo
lgodg lgsfon] ljj/0fkqdf pNn]lvt s'/fsf] ;Totf jf lgisfzgstf{ jf cfof]hgfsf] cfly{s ;Ifdtfsf] af/]df
s'g} k|sf/sf] k|Tofe"\t u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g .
g]kfn lwtf]kq af]8{af6 ljj/0f–kqdf :jLs[lt k|fKt ldlt @)&&÷)$÷@!
sDkgL /lhi6«f/sf] sfof{nodf ljj/0f–kq btf{ ldlt @)&&÷)$÷@%
lwtf]kq lgisfzg v'Nnf ldlt M @)&&÷)%÷)$
lwtf]kq lgisfzg aGb x'g] ldlt -l56f]df_ M @)&&÷)%÷)*
lwtf]kq lgisfzg aGb x'g] ldlt -clGtd_ M @)&&÷)%÷!*
lwtf]kq lgisfzg tyf laqmL k|jGws M
l;4fy{ Soflk6n lnld6]8
kf]=j=g+=@!@)), gf/fo0frf}/, gS;fn sf7df08f},
kmf]g g+= $$@)(@$÷$$@)(@% ,km\ofS; g+ $$@)(@(
Od]nM scl@siddharthacapital.com
j]j ;fO6M www.siddharthacapital.com
v=!= ljj/0fkqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M
s_ æljj/0fkqÆ eGgfn] sDkgL P]g @)^# sf] bkmf @# adf]lhd / lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) adf]lhd
k|sflzt ljj/0fx? ePsf] k'l:tsf ;Demg' kb{5 .
v_ ælwtf]kq lgisfzg tyf laqmL k|aGwsÆ eGgfn] l;4fy{ Soflk6n lnld6]8, gf/fo0frf}/, gS;fn, sf7df08f}+
;Demg' kb{5 .
u_ æ;+ul7t ;+:yf÷sDkgLÆ eGgfn] lgisfzgstf{ sDkgL ;dfh n3'ljQ ljQLo ;+:yf lnld6]8, d+nujf !), ;nf{xL
;Demg' kb{5 .
3_ ælwtf]kqÆ eGgfn] ;+ul7t ;+:yfn] hf/L u/]sf] z]o/ ;Demg'k5{ .
ª_ æ;+sng s]Gb|Æ eGgfn] g]kfn lwtf]kq af]8{af6 lwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#
adf]lhd lwtf]kqsf] b/vf:t ;+sng ug{ cg'dlt k|fKt a}+s tyf ljlQo ;+:yfx? / ltgsf zfvf sfof{nox?
;Demg' kb{5 .
r_ ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, g]kfn /fi6« a}+s, sDkgL /lhi6«f/sf] sfof{nonfO{ ;Demg' kb{5 .
5_ æ;+:yfks, ;+rfns, sfo{sf/L k|d'v tyf Aoa:yfkgÆ eGgfn] ;dfh n3'ljQ ljQLo ;+:yf lnld6]8sf] ;+:yfks,
;+rfns, sfo{sf/L k|d'v tyf Aoa:yfkg ;Demg' kb{5 .
h_ æaf]8{Æ eGgfn] g]kfn lwtf]kq af]8{nfO{ ;Demg' kb{5 .
em_ æljlQo ljj/0fÆ eGgfn] ;+ul7t ;+:yfsf] jf;nft, cfo–Joo ljj/0f, gub k|jfx ljj/0f ;Demg' kb{5 / ;f]
zAbn] OlSj6Ldf ePsf] kl/at{gsf] ljj/0f / n]vf gLlt tyf n]vf;+u ;DalGwt l6Kk0fLx? ;d]t hgfpFb5 .

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

ljj/0fkq kfOg] :yfgx?M

!= l;4fy{ Soflk6n lnld6]8, gf/fo0frf}/, gS;fn, sf7df08f} .
@= ;dfh n3'ljQ ljQLo ;+:yf lnld6]8, d+nujf !), ;n{fxL .
;fy} lgisfzg tyf laqmL k|aGwssf] j]e;fO6 www.siddharthacapital.com, / lgisfzgstf{ sDkgLsf] j]e;fO6
www.samajlaghubitta.org.np, jf g]kfn lwtf]kq af]8{sf] j]e;fO6 www.sebon.gov.np af6 ;d]t o; lgisfzgsf]
nflu :jLs[t ljj/0fkq x]g{ ;Sg' x'g]5 .
b/vf:t kmf/fd k|fKt ug]{ / b/vf:t a'emfpg] :yfgx? M
g]kfn lwtf]kq af]8{af6 cg'dlt lnO{ cf:jf (ASBA) ;]jfdf ;xefuL a}s tyf ljQLo ;+:yfx? tyf l;l8P; P08
lSnol/Ë lnld6]8af6 lgdf{0f ul/Psf] ;km\6j]o/ æd]/f] z]o/Æ cgnfOg k|of]u u/L l;cf:jf (CASBA) k|0ffnL dfkm{t
cfj]bg lbg ;lsg]5 .

1
u=!= lwtf]kq lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M
xfdLnfO{ sDkgL tyf o;sf ;~rfnsx¿n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf] cfwf/df o; sDkgLsf]
Joj:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 ;Gt'i6 x'g'sf] ;fy} ljj/0fkqdf n]lvPsf cfly{s
ljj/0fx¿ / cGo hfgsf/L tYout, k"0f{ / ;xL b]lvPsfn] nufgLstf{x?nfO{ nufgL;DaGwL lg0f{o lng d2t k'Ug]
s'/fk|lt ljZj:t eO{ xfdLn] of] ljj/0fkq :jLs[tLsf nflu g]kfn lwtf]kq af]8{df lwtf]kq ;DaGwL P]g, @)^# /
lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq -Due Deligence Certificate_
k|:t't u/]sf 5f}+ .
u=@= ;+ul7t ;+:yfsf] pb\3f]if0f M

u=@=s= ;+rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M

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

u=@=v= ;+ul7t ;+:yfsf] hjfkmb]lxtf ;DaGwL pb\3f]if0f M

o; ;dfh n3'ljQ ljQLo ;+:yf lnld6]8n] k|sflzt u/]sf] ljj/0fkq, ;fj{hlgs k|:tfj, lj1fkg jf cGo s'g}
;"rgfdf pNn]v ePsf ljj/0f afx]s ;+ul7t ;+:yfsf] af/]df k|sflzt cGo s'g} ;"rgf jf hfgsf/Lsf] hjfkmb]xLtf
;+ul7t ;+:yfdf g/xg] / To:tf] ;"rgf, hfgsf/L jf ljj/0fsf] cfwf/df nufgL u/]df ;f] sf] hf]lvd nufgLstf{
:jo+n] axg ug'{kg]{5 .

u=@=u= lgodg lgsfosf] lgodg Aoa:yfsf] kfngf ;DaGwL pb\3f]if0f M

k|rlnt sfg"g cg';f/ cfkm\gf] pBf]u÷Joj;fo÷;]jf;Fu ;DalGwt lgodg lgsfo -h:t}M sDkgL /lhi6«f/sf]
sfof{no cfbL_ sf] ;fj{hlgs lgisfzg tyf cGo lgodg Joj:yf tyf lgb]{zgx?sf] kfngf u/]sf] s'/fsf] pb\3f]if0f
ub{5f}+ . ;fy} ;fj{hlgs lgisfzg k|of]hgsf] nflu tof/ ul/Psf] ljj/0fkq / ;f] df plNnlvt ;Demf}tf jf cGo
ljj/0fx? g]kfn lwtf]kq af]8{, g]kfn /fi6« a}+s / sDkgL /lhi6«f/sf] sfof{nodf k]z u/]sf 5f}+ .

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

-!_ o; ;+ul7t ;+:yfsf] ;+:yfks, ;~rfns jf sfo{sf/L k|d'v shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf /x]sf 5}gg\ .
-@_ o; ;+ul7t ;+:yfsf] ;~rfns jf sfo{sf/L k|d'v sfnf] ;"rLdf /x]sf] cGo ;+ul7t ;+:yfdf ;~rfns jf
sfo{sf/L k|d'v /x]sf 5}gg\ .
-#_ ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0faf6 k"FhL ;+sng u/L a]kQf ePsf jf ;+rfngdf g/x]sf jf
nufgLstf{x¿sf] lxtljk/Lt x'g] sfo{ u/]sf] ;+ul7t ;+:yfsf] ;~rfns jf sfo{sf/L k|d'v o; sDkgLsf]
;~rfns jf sfo{sf/L k|d'v 5}gg\ .
-$_ lwtf]kq ;DaGwL sfg"g ljk/Lt sfo{ u/]sf] sf/0f lwtf]kq ahf/ jf lwtf]kq Joj;foLsf] cg'dltkq vf/]h
ePsf] bz jif{ k"/f gePsf] ;+ul7t ;+:yfsf] ;~rfns jf sfo{sf/L k|d'v o; sDkgLsf] ;~rfns jf sfo{sf/L
k|d'v 5}gg\ .
-%_ o; ;+ul7t ;+:yfsf] ;~rfns jf sfo{sf/L k|d'v lwtf]kq ;DaGwL P]gsf] bkmf !)* adf]lhd ;~rfns jf
sfo{sf/L k|d'v cof]Uo /x]sf 5}gg\ .

2
u=#= ;+ul7t ;+:yf ;DaGwL hfgsf/L M
u=#=s= ;+ul7t ;+:yfsf] k[i7e"ld M
-s_ ;+:yfsf] gfd M ;dfh n3'ljQ ljQLo ;+:yf lnld6]8 (SAMAJ LAGHUBITTA BITTIYA SANSTHA
LIMITED)
-v_ ;+:yf s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f M sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g,
@)&# cGtu{t :yflkt .
-u_ ;+:yfsf] /lhi68{ 7]ufgf M o; sDkgLsf] /lhi68{ sfof{no ;nf{xL lhNnf dn+ujf gu/kflnsf j8f g+= !),
;nf{xL df /x]sf] 5 .
-3_ sf/f]jf/ ug]{ d'Vo :yfg M o; ljQLo ;+:yfsf] sf/f]jf/ :yfg # lhNnf ;nf{xL, dxf]Q/L / wg'iff lhNnf el/
x'g]5 . cfjZostf cg';f/ g]kfn /fi6« a}+ssf] :jLs[lt lnO{ o; ljQLo ;+:yfn] cfˆgf] sfo{If]q leqdf zfvf,
pkzfvf jf cGo sfof{no vf]nL ljQLo sf/f]jf/ ug{ ;Sg]5 . o; ljQLo ;+:yfn] g]kfn /fi6« a}+sn] :jLs[t
u/]cg';f/ b]xfosf :yfgx?df /x]sf] zfvf sfof{nox?af6 cfˆgf] sf/f]jf/ ;~rfng ub}{ cfPsf] 5 M
l;=g+= zfvf sfof{no zfvf /x]sf] :yflgo tx, lhNnf / k|b]z
!= zfvf sfof{no dn+ujf dnu+jf gu/kfnLsf j8f g+= !), ;nf{xL, k|b]z g+= @
@= zfvf sfof{no l;;f}6 /fdgu/ uf=kf= j8f g+= ^, ;nf{xL, k|b]z g+= @
#= zfvf sfof{no ;f]gdf ;f]gdf uf=kf j8f g+= @, dxf]Q/L, k|b]z g+= @
$= zfvf sfof{no k/f}n anjf gu/kfnLsf j8f g+= #, dxf]Q/L, k|b]z g+= @
%= zfvf sfof{no 3f]83fF; gu/fOg gu/kfnLsf j8f g+=(, wg'iff, k|b]z g+= @

-ª_ ;+ul7t ;+:yfsf] :yfkgfsfn b]lv xfn;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf] d'Vo p2]Zox?M
sDkgLsf] :yfkgfsfn b]lv xfn;Ddsf] ;+lIfKt Oltxf; b]xfo adf]lhd /x]sf] 5 M
;dfh n3'ljQ ljQLo ;+:yf @)&$÷)!÷@) ut] sDkgL /lhi6«f/sf] sfof{nodf klAns lnld6]8 sDkgLsf] ¿kdf btf{
ePsf] xf] . o; ljQLo ;+:yfn] ldlt @)&%÷)!÷)@ ut] ljQLo ;+:yfsf] ¿kdf ljQLo sf/f]jf/ ug{ g]kfn /fi6«
a}+saf6 O{hfhtkq k|fKt u/L ldlt @)&%÷)!÷@) ut]sf lbgb]lv cf}krfl/s ?kn] sf/f]jf/ z'ef/De u/]sf] o; ljQLo
;+:yfsf] sfo{ If]q ;nf{xL, dxf]Q/L / wg'iff lhNnf /x]sf 5g\ . o; ljQLo ;+:yfsf ;+:yfks tyf ;~rfnsx?df ljQLo
If]q, ;/sf/L, u}/ ;/sf/L, z}lIfs If]q, s[lif, O{lGhlgol/Ë, pBf]u tyf Jofkf/ If]q Pjd\ Joj:yfkgdf nfdf] ;dob]lv
sfo{/t cg'ejL k|ltli7t JolQmx? /xg' ePsf] 5 . sDkgL /lhi6«f/ sfof{nosf] ldlt @)&^÷!!÷@& kqcg';f/ cf=j=
@)&%÷&^ ;Dd sDkgL /lhi6«f/sf] sfof{nodf ;+ul7t ;+:yf cBfjlws /x]sf] 5 .
ljQLo ;+:yfsf] k|aGwkqsf] bkmf $ tyf lgodfjnLsf] lgod $ df pNn]v eP adf]lhd g]kfn /fi6«« a+}s P]g @)%*,
a+}s tyf ljQLo ;++:yf ;DaGwL P]g, @)&#, sDkgL sfg"g tyf cGo k|rlnt sfg"gsf] cwLgdf /xL ljQLo sf/f]jf/ ug]{
o; ljQLo ;+:yfsf] d'Vo p2]Zox? b]xfo adf]lhd /x]sf] 5 M–
-s_ ljQLo ;+:yfsf] lgIf]kstf{sf] xslxtsf] ;+/If0f / ;Da4{g ub}{ :j:Yo k|lt:kwf{af6 ;j{;fwf/0fnfO{ u'0f:t/Lo
tyf e/kbf]{ ljQLo dWo:ytf ;]jf pknAw u/fpg] .
-v_ s[lif, pBf]u, ;]jf, Jofkf/ tyf cGo Joj;flos ?kn] ;DefJo b]lvPsf pTkfbgzLn Joj;fosf] :yfkgf,
ljsf;, lj:tf/ / Ifdtf Pj+ pTkfbsTj j[[l4sf nflu cfjZos ljQLo ;fwg cfGtl/s tyf jfx\o ;|f]taf6
h'6fO{ b]zsf] cf}Bf]lus, Jofkfl/s Pj+ s[lifIf]qsf] ljsf;df ultlzntf Nofpg ;xof]u k'¥ofpg],
-u_ pknAw zLk, >d tyf k"FhLnfO{ plrt ?kdf kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg Pj+
/f]huf/Ld'ns Joj;fosf] :yfkgf, ;~rfng, ljsf; lj:tf/ Pj+ k|a4{g ug]{ / ;f] sfo{sf] nflu cfjZos
ljQLo ;fwg, k|fljlws tyf Joj:yfksLo k/fdz{ ;]jf, tflnd tyf k|ljlw pknAw u/fO{ ul/jL lgjf/0fsf
nflu ;lqmo ?kdf ;+nUg eO{ ;xof]u k'¥ofpg],
-3_ ljQLo ;]jfdf hf]lvd sd ub}{ ljQLo If]qsf] pbf/Ls/0fdf dbt k'¥ofO{ b]zsf] cy{tGqnfO{ ;an tyf ;'b[9
agfpg ;xof]u k'¥ofpg],
-ª_ b]zsf] ;du| ljQLo k|0ffnL k|lt ;j{;fwf/0fsf] ljZj;gLotf clej[l4 ug{ ;xof]u k'¥ofpg] .

-r_ ;+ul7t ;+:yfsf] s'g} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, Oltxf; / To;sf d'Vo p2]Zox?sf
;fy} To;df ePsf] nufgLsf] c+z -k|ltztdf_ M ;f] gePsf] .

-5_ b]xfosf s'/fx? ;d]t pNn]v ug'{ kg]{ -nfu' x'g] xb;Dd_ M
3
-!_ ;+ul7t ;++:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx?
ljQLo ;+:yfn] k|bfg ug]{ d'Vo ;]jfx?df n3'ljQ sfo{qmd dfkm{t ;b:ox?sf] lgIf]k ;+sng, sh{f k|jfx /
;b:ox? tyf u}/ ;b:ox?nfO{ ljk|]if0f e'QmfgL ;]jf /x]sf 5g\ .
-@_ k|of]u ePsf] jf ul/g] k|ljlw M
ljQLo ;+:yf ;]jf k|bfos sDkgL ePsf]n] dfly v08 -!_ df pNn]lvt ;]jf k|bfg ug{ cfjZos k|ljlw ;DkGg
/x]sf] 5 .
-#_ s'g} j|fG8g]d, k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ljQLo ;+:yf;Fu ;DalGwt
af}l4s ;DklQ xs clwsf/ M ;f] gePsf] .
-$_ ;+ul7t ;++:yfn] cf]u6]sf] ahf/ If]q M
@)&%÷)!÷)@ ut] ljQLo ;+:yfsf] ¿kdf ljQLo sf/f]jf/ ug{ g]kfn /fi6« a}+saf6 O{hfhtkq k|fKt u/L ldlt
@)&%÷)@÷@) ut]b]lv æ3Æ ju{sf] # lhNnf sfo{If]q ePsf] ljQLo ;+:yfsf] x}l;otn] cfˆgf] ljQLo sf/f]jf/
;~rfng ub}{ cfPsf] o; ljQLo ;+:yfn] cf=j= @)&%÷)&^ sf] cGt;Ddsf] ljQLo ljj/0f cg'?k ljQLo
;+:yfdf lgIf]k ?= ^@,((,&&&=!) / shf{ k|jfx ?= %,)^,%$,@*@=%* /x]sf] 5 . o; ;dfh n3'lj
Q ljQLo ;+:yfn] g]kfnsf] a}+lsË If]qdf cfˆgf] 5f]6f] ;~rfng Oltxf;df $ j6f zfvf sfo{fno :yfkgf u/L
;+rfngdf Nofpg ;kmn ePsf] 5 .
-%_ gofF pTkfbg tyf ;]jf ;DaGwL of]hgf M
;do ;fk]If cg';f/ n3'ljQLo ;]jfx? -;b:ox/df n3'' shf{ k|jfx / n3' art ;+sng, ljdf / ljk|]if0f ;]jf
cfbL_ sf] ljsf; u/L ;DefJo u|fxsx?sf] klxrfg u/]/ cfˆgf] Jofkf/ lj:tf/ ug]{ of]hgf /x]sf] 5 .
-^_ pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M
ljQLo ;+:yfsf] k|d'v ahf/ xfnnfO{ ;nf{xL, dxf]Q/L / wg'iff lhNnf /x]sf] 5 / x/]s ju{sf u|fxssf]
cfjZostf cg'?k ;]jfx? pknAw u/fpb} n}hfg] ljQLo ;+:yfsf] nIo /x]sf] 5 .
-&_ pTkfbg÷ ;~rfng Ifdtf / ;f]sf] pkef]u l:ylt M
a}+s tyf ljQLo ;+:yfdf nfdf] cg'ej xfl;n ug{' ePsf] ;~rfns÷Joj:yfkg bIftfsf] cfwf/df o; ljQLo
;+:yfn] :yfkgfsf] 5f]6f] ;dodf g} ljQLo ahf/sf] /fd|f] lx:;f cf]u6\g / u|fxsx?nfO{ /fd|f] ;]jf k|bfg ug{
;kmn /x]sf] b]lvG5 .
-*_ 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, z}lIfs If]q, ;/sf/L ;]jf pBf]u Pjd\ Jofkf/ If]qdf nfdf] cg'ej xfl;n ug{' ePsf
;~rfns÷Joj:yfkg ;d"x uf|xsx?sf] u'0f:t/Lo ;]jf, ;'ljwf tyf ;Gt'li6sf] nflu ;b}j tTk/ /x]sf 5g\ .
-!)_ cg';Gwfg tyf ljsf; M
g]kfnsf] a}+lsË tyf ljQLo If]qdf k|lt:kwf{Tds l:ylt /x]sf] cfhsf] k[i7e"lddf ljQLo ;+:yfn] cg';Gwfg tyf
ljsf;nfO{ pRr k|fyldstf lbO{ ;f] sfo{sf nflu ljQLo ;+:yfsf pRr kbflwsf/Lsf] dftxtdf Pp6f 5'§}
æof]hgf tyf cg';GwfgÆ PsfO{ v8f ul/g]5 . h;n] gofF ;]jfx?sf] ljsf; dfq geO{ xfn k|bfg ul/Psf
;]jfx?df ;do ;fk]If ?kdf cfjZos kl/dfh{gx? ug]{ gofF ;]jfx?sf] pko'Qmtfsf ;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+ k|ljlwsf] k|of]u u/L cfkm\gf u|fxsx?nfO{ k|lt:kwf{Tds Pj+ u'0f:t/Lo ;]jf
k|bfg ug]{ ;f]r /fv]sf] 5 .
-!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;~rfngdf c;/ kg]{ u/L ePsf] jfwf, Jojwfg M ;f] gePsf] .
-!@_ dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP, ;f] ;DaGwL ljj/0f M ;f] gePsf] .
-!#_ ahf/, k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M
ljQLo ;+:yfsf] x}l;otdf s]jn sl/a @ jif{ k'/fgf] ljQLo ;+:yf ePtf klg o; If]qdf ;~rflnt cGo a}+s
ljQLo ;F+:yfx? aLr o; ljQLo ;+:yfsf] l:ylt dha't /x]sf] 5 . o; ljQLo ;+:yfsf] ;]jfx? aLr k|ltikwf{
ePtfklg cfˆgf] 5'§} klxrfg agfpg ;kmn eO{ ahf/df cfˆgf] :yfg cf]u6\g ;kmn ePsf] 5 . o; ljQLo
;+:yfdf ;b:od}qL artx? /x]sf] / To;df k|bfg u/Lg] Aofhb/ ;d]t cGo ljlQo ;+:yfx?sf] t'ngfdf al9
ePsf], ljlQo ;+:yfsf] hDdf shf{ nufgLsf] !*=(^Ü art /x]sf]n] ljQLo ;+:yfsf] xfn ;Ddsf] 5f]6f]
4
 ;dodf klg !%Ü eGbf dfyL shf{df art ;+sng b/ /x]sf]n] :yflgo ahf/df xfd|f] pk:yLltnfO{ emnsfp5
. k|b]z g+= @ df cGo ;dfg k|lqmtLsf] ljQLo ;+:yfx?sf] ;+Vof s/Lj %) b]vL ^) /x]sf] 5 . h;dWo] s]Gb|Lo
sfof{no g} /x]sf]x?sf] ;+Vof eg] s/La !) b]lv !@ 5g\ . tL ;+:yfx?df s/La s/La !) nfv b]vL ! s/f]8
;Ddsf] v/fa shf{ b]lvPsf] 5 eg] o; ljQLo ;+:yfdf sd;n, z+sf:kb / v/fa shf{ g/x]sf]n] ljQLo
;+:yfnfO{ ahf/ k|lt:kwf{ ug{ ;xh /x]sf] 5 .
-!$_ k|d'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 s'g} k|d'v u|fxs;Fu lge{/ 5 eg] t\t;DaGwL ljj/0f_ M ;f] gePsf] .
-!%_ k|d'v ;Knfo;{x?sf] ljj/0f -h:t}– ;+:yfsf] s"n sf/f]af/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug]{ ;Knfo;{ jf
Joj;fosf] nflu ;+ul7t ;+:yf s'g} k|d'v ;Knfo;{;Fu lge{/ 5 eg] t\t;DaGwL ljj/0f_ M ;f] gePsf] .

u=#=v= ;DklQsf] ljj/0f M

-s_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M
of] ;+:yf ;]jf d"ns ljlQo ;+:yf ePsf]n] o;sf] j:t' pTkfbg ug]{ k|sf/sf] pks/0f -KnfG6_ g/x]sf]
tyf cf=j= @)&%÷)&^ df ;DklQsf] ljj/0f b]xfo adf]lhd /x]sf] 5 .
;DklQ
ljj/)f kl/jxg sfof{no nLh xf]N* o; jif{ ?=
ejg d]lzg/L cGo
;fwg ;fdfg ;DklQ
1= k/ndf]n
-s_ ut jif{sf] df}Hbft - - - 655,267.13 - - 655,267.13
-v_ o; jif{ yk - - - 485,157.00 - - 485,157.00
-u_ o; jif{
- - - - - - -
k'gd"{Nofs+g÷k'gn]{vg
-#_ o; jif{sf] laqmL - - - - - - -
-ª_ o; jif{sf] ckn]vg - - - - - - -
s"n -s+v+u+#+ª_ k/ndf]n - - - 1,140,424.13 - - 1,140,424.13
2= Xf;s§L -
-s_ ut jif{ ;Ddsf] - - - 89,095.57 - - 89,095.57
-v_ o; jif{sf] - - - 146,194.00 - - 146,194.00
-u_ Xf;s§L
- - - - - - -
k'gd"{Nofs+g÷k"gn]{vg
-#_ Xf;s§L /sd
- - - - - - -
;dfof]hg÷lkmtf{
s"n Xf; s§L - - - 235,289.57 - - 235,289.57
3= a's Eofn' -WDV*_ -1 -
- - - 905,134.56 - - 905,134.56
2_
4= hUuf - - - - - - -
5= k+h
' Lut lgdf{)f -k+h
' Ls/)f
- - - - - - -
ul/g' kg]{_
hDdf -3+4+5+6_ - - - 905,134.56 - - 905,134.56
dfly pNn]lvt ;DklQx? rfn' cj:yfdf /x]sf tyf pQm ;DklQx? ljQLo ;+:yfsf] d'Vo sfof{no
tyf zfvf sfof{nox?df /x]sf 5g\ .

-v_ a'Fbf -s_ df pNn]lvt ;DklQ ;+ul7t ;+:yfsf] cfˆg} ;DklQ xf] of lnhdf lnPsf], lnhdf lnPsf] eP
lnhsf] cjlw -ldlt ;d]t pNn]v ug'{kg]{_ M ;f] gePsf] .

-u_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h eP ;f]
;DaGwL ljj/0f M ;f] gePsf] .
-3_ cfly{s jif{ ;dfKt eP kZrft ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf]
lstfaL d"No / ahf/ d"NoaLr km/s ePdf ;f] sf] ljj/0f M

5
 ljQLo ;+:yfsf] ;Dk"0f{ ;DklQ jf:tljs vr{sf] lx;fjdf sfod ul/Psf] 5 / ;f]sf] k'gd"{"Nof+sg
ul/Psf] 5}g .
-ª_ ;DklQsf] d"Nof+sg ul/Psf] tl/sf ;DaGwL ljj/0f M
k/ndf]ndf lgodcg';f/ ug'{kg]{ x|f; s§L u/L n]vfdfg cg';f/ afFsL /x]sf] jf:tljs ;DkQLnfO{
;DkQLsf] ?kdf /flvPsf] 5 .

u=#=u= efjL of]hgf tyf /0fgLlt M

-s_ Joj;fo÷;]jfsf] a[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|lfKtsf nflu rflng] ;doj4
/0fgLlt M
ljQLo ;+:yfn] cfˆgf] Joj;fo÷;]jfsf] a[l4sf nflu rfNg] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf
nflu rflng] ;doj4 /0fgLlt lgDgfg';f/ 5g\ .
– cfufdL lbgx?df cfˆgf zfvf lj:tf/df yk hf]8 lbg],
– o; ljQLo ;+:yfaf6 ;]jf lnO{ cfocfh{gd'ns sfo{ u/L hLjg:t/ psf:g nfnflot ;b:ox?
;d'xdf k|j]z u/fpg hf]8 lbO{ ;b:o ;+Vofdf a[l4 Nofpg],
– ljQLo ;+:yfn] cfˆgf] zfvf lj:tf/sf] lx;fjn] lgIf]k ;+sng tyf shf{ k|jfx ug]{,
– eljiodf ;d]t u|fxsx?af6 dfu eP adf]lhdsf ;]jf ;'ljwfx? cfˆgf u|fxs ju{df Nofpg
k|oTg/t /x]g],
– ;]jf u|fxLsf] ;+Vofdf j[l¢ ub{} nlug],
– ;+:yfut ?kdf ;na aGg tyf ;b:ox?nfO{ yk ;]jf ;'ljwf pknAw u/fpgsf] nfuL dh{/ tyf
k|fKtLsf] ;Defjgfsf] vf]hL ug]{ cfbL,
-v_ k|ltikwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf]
Joj;fosf] eljio M
b]zsf] a}+lsË If]qdf xfn k|ltikwf{ cToflws /x]sf] 5 / ;f]xL sf/0fn] ubf{ o; ljQLo ;+:yfn] cfˆgf]
pNn]Vo If]q cf]u6\g ljleGg /0fgLltsf ;fy cl3 a9]sf] 5 . jt{dfg cfly{s, /fhg}lts / a}ls+Ë
k|ltikwf{ aLr ;kmntfsf ;fy cufl8 a9\g ljQLo ;+:yfn] cfˆgf ;]jf tyf sfo{s|ddf leGgtf, zfvf
lj:tf/df a}+s gePsf cw{ zx/L / u|fdL0f If]qdf hf]8, cfw'lgs tyf k|ljlwo'Qm a}+lsË ;]jf h:tf
/0fgLlt cjnDjg u/]/ cufl8 al9/x]sf] 5 . pNn]lvt /0fgLltsf] sf/0f ljQLo ;+:yf cfˆgf nufgLdf
/x]sf] hf]lvdx? sd ug{ ;Ifd /x]sf] 5 / eljiodf ljQLo If]qdf Ps leGg If]q cf]u6\g] s'/fdf b[9
/x]sf] 5 . o; ljQLo ;+:yfsf ;~rfns ;ldlt nufot Aoj:yfkg ;ldlt tyf pRr kbfwLsf/Lx?df
nfdf] ;dosf] a}lsË tyf n3'ljQsf] cg'ej /x]sf]n] cGo k|ltikwL{ eGbf k[ys lsl;dn] ;xh
t/Lsfn] ;~rfng ug{ ;Sg] Ifdtf /x]sf] 5 . xfn;Dd o; ljQLon] k|If]k0f u/]sf] aflif{s ah]6 tyf
sfo{qmd (( k|ltzt xfl;n u/]sf] ;fy} zt\ k|ltzt c;'nLb/ sfod /fVg ;kmn ePsf]n] ljBdfg
cfly{s l:ylt / ;dfg lsl;dsf] ljQLo ;+:yfsf] cfwf/df o; ljQLo ;+:yfsf] eljio pHhjn /x]sf]
5.

u=#=3= ;~rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yf M

;dfh n3'ljQ ljQLo ;+:yfsf] lgodfjnLsf] lgod @& df ePsf] Joj:yf cg';f/ & -;ft_ hgf ;~rfns
/x]sf] Ps ;~rfns ;ldlt b]xfo adf]lhd x'g]5 .++
;d"x …sÚ df /x]sf ;+:yfks z]o/wgLx?af6 dgf]lgt jf lgjf{lrt $ -rf/_ hgf
;d"x …vÚ df /x]sf ;j{;fwf/0f z]o/wgLx?af6 lgjf{lrt @ -b'O{_ hgf
:jtGq Joj;flos ljz]if1 ;~rfns ! -Ps_ hgf
;~rfnsx?sf] sfo{sfn $ -rf/_ jif{sf] x'g]5 .
;+rfns x'gsf] nflu lng'kg]{ Go"gtd z]o/ ;+Vof ;DaGwL Aoa:yf M
o; ljQLo ;+:yfsf] lgodfjnLsf] lgod @* df Joj:yf eP cg';f/ ljQLo ;+:yfsf] ;+rfns kbdf lgo'Qm
xgsf] nflu s'g} klg z]o/wgLn] cfˆgf] gfddf %) lsQf z]o/ lnPsf] x'g'kg]{5 .
t/, :jtGq Joj;flos ljz]if1 ;~rfns / ;+ul7t ;+:yfsf] k|ltlglwTj ug]{ ;~rfnssf] xsdf of] Joj:yf
nfu' x'g] 5}g .

6
u=$= kF'hL ;+/rgf ;DaGwL hfgsf/L M
-s_ clws[t, hf/L tyf r'Qmf kF'hL / ;+:yfsf] :yfkgf kZrft\ ;f] df kl/jt{g ePsf] eP tT;DjGwL
ljj/0f M
clws[t k"FhL M ljQLo ;+:yfsf] clws[t k"FhL ?= $,)),)),)))÷– -cIf/]kL rf/ s/f]8_ /x]sf]] 5 .
pQm k"FhLnfO{ ?=!))÷– sf b/n] $,)),))) -rf/ nfv_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
hf/L k"FhL M ljQLo ;+:yfsf] tTsfn hf/L k"FhL ?= @,)),)),)))÷– -cIf/]kL b'O{ s/f]8_ /x]sf] 5 .
pQm k"FhLnfO{ ?=!))÷— sf b/n] @)),))) -b'O{ nfv_ yfg z]o/df ljefhg ul/Psf] 5 .
r'Qmf k"FhL M ljQLo ;+:yfsf] xfn r'Qmf k"FhL ?= !,!$,)),)))÷– -cIf/]kL Ps s/f]8 rf}w nfv_
/x]sf]] 5 h;nfO{ ?=!))÷— sf b/n] !,!$,))) -Ps nfv rf}w xhf/_ yfg z]o/df ljefhg ul/Psf]
5.
o; ljj/0fkq dfkm{t ;j{;fwf/0fnfO{ ?= *^,)),)))÷– -cIf/]kL 5of;L nfv_ /sd a/fa/sf]
z]o/sf] lgisfzg kZrft\ ;+:yfsf] r'Qmf k"FhL ?= @,)),)),)))÷– -cIf/]kL b'O{ s/f]8_ x'g]5 .

clws[t, hf/L tyf r'Qmf k"FhLdf eO{ cfPsf]÷kl/jt{g ePsf] eP tT;DaGwL ljj/0f M
k"FhL ;DaGwL ljj/0f 2073/074 2074/075
clws[t k"FhL 4,00,00,000 4,00,00,000
hf/L k"FhL 2,00,00,000 2,00,00,000
r'Qmf k"FhL 5,700,000 1,14,00,000

-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] n3'ljQ ljQLo ;+:yfsf] r'Qmf k"FhLsf] ;+/rgf
b]xfo adf]lhd /x]sf] 5 M
;d"x z]o/wgLx? ;fwf/0f z]o/ ;+Vof k"h
F L k|ltzt -Ü_ r'Qmf /sd e'QmfgL k|ltzt
s ;+:yfks z]o/wgLx? !,!$,))) %& !,!$,)),))) ztk|ltzt
lgisfzg
;j{;fwf/0f z]o/wgLx?
v *^,))) $# *^,)),))) kZrft
-sd{rf/L ;lxt_
ztk|ltzt x'g
hDdf @,)),))) !)) @,)),)),))) Æ

-u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft_ M;f] gePsf] .
lgisflzt z]o/ lk|ldoddf geO{ c+lst d"Nodf hf/L ul/Psf] x'Fbf z]o/ lk|ldod vftfsf] cfjZostf
g/x]sf] .

u=%= ;+:yfks÷;+rfns ;DaGwL hfgsf/L M

u=%=s= ;+:yfks÷;+rfnssf] k[i7e"dL M
-s_ cfwf/e"t z]o/wgLx? tyf ;+rfnsx?sf] gfd, kb, pd]/, /fli6«otf, 7]ufgf, z]o/ :jfldTj, z}lIfs
of]Uotf, cg'ej, / k|:tfljt Aofkf/÷Aoj;fodf cg'ej M
cfwf/e't z]o/wlgx?sf] ljj/0f
qm=;+= gfd, 7]ufgf kb pd]/ /fli6«otf z]o/ z}lIfs cg'ej
-jif{_ :jfldTj of]Uotf -k"j{ / xfn sfo{/t_
-lsQf_
!= >L ;/f]h s'df/ dxtf] !% aif{ b]vL rd]nL unf
;~rfns $$ g] k fnL !@,))) la=sd= e08f/sf] k|f]k|fO6/ eO{
;~rfng u/]sf] cg'ej
@= >L lht' dxtf] ^,))) la=P;;L= n]vfkl/Ifs k]zfdf !% jif{
;+:yfks $# g]kfnL
sfo{ u/]sf]
7
 #= 8f= ;'/]Gb| s'df/ ofbj !) jif{ ;/sf/L tyf !)
;+:yfks $* g]kfnL !),))) Pd=8L jif{ k|fOe]6 gl;{Ë xf]dsf]
sfo{cg'ej
$= >L ;Gtf]ifL dxtf] ^,))) @) jif{ Pncf;Lsf] Ph]G6
;+:yfks $* g]kfnL la=P8=
/xL sfo{ u/]sf]
%= >LdtL ;fljqL dxtf] ;+:yfks $$ g]kfnL @*,))) P;Pn;L u[lx0fL
;+rfnsx?sf] ljj/0f
qm=;+= gfd, 7]ufgf kb pd]/ /fli6«otf z]o/ z}lIfs Jofkf/÷Joj cg'ej
-jif{_ :jfldTj of]Uotf ;fo -k"j{ / xfn sfo{/t_
-lsQf_
s[lif ljsf; a}+s
lnld6]8df !^ aif{
>L lblnk s'df/ g]kfnL zfvf clws[t -& tx_,
!= cWoIf ^$ @,))) PdP;L gePsf]
wf}e8]n, l;/fxf !! aif{ zfvf k|d"v -(
tx_ eO{ hDdf @&
jif{sf] sfo{fg'ej .
g]kfn ;/sf/sf]
hn>f]t dGqfnodf
xfO8«f]nf]lhsn
OGhLlgo/df @% aif{,
>L xl/ gf/fo0f @,))) lj1fg tyf k|ljlw
@= ;~rfns ^% g]kfnL laP;;L gePsf]
dxtf], wg'iff dGqfnodf
xfO8«f]nf]lhsn
OGhLlgo/ eO{ !) aif{,
u/L hDdf #% aif{sf]
sfof{g'ej
ljzfn u'|kdf n]vf
clws[t eO{ % aif{,
/f¶L u|'kdf n]vf
>L dx]z s'df/ k"j]{, g]kfnL @,))) clws[t eO{ & aif{,
#= ;~rfns %% la=sd= gePsf]
df]/Ë s]Pn 8'u/ u|'kdf n]vf
clws[t eO{ * aif{
u/L hDdf @) aif{sf]
sfof{g'ej
!% aif{ b]vL rd]nL
rd]nL unf
>L ;/f]h s'df/ g]kfnL unf e08f/sf] k|f]k|fO6/
$= ;~rfns $$ !@,))) la=sd= e08f/,
dxtf], ;nf{xL eO{ ;~rfng u/]sf]
;nf{xL
cg'ej
– s[lif ljsf; a}+s
lnld6]8df !& aif{
>L ljgo /fh :jtGq sfg'g clws[t -& tx_,
%= ^# g]kfnL laPn gePsf]
kf}8\ofn, sf7df8f}+ ;~rfns !) aif{ zfvf k|d"v -(
tx_ u/L hDdf @&
jif{sf] sfo{fg'ej .

8
-v_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt
ljj/0f (Profile) / pQm sDkgL÷;+:yfsf ;+rfnsx?sf] gfd, 7]ufgf, -k|fs[lts AolQm gv'n];Dd_ M
;f] gePsf] .
-u_ ;+ul7t ;+:yfsf] ;+rfnsx? cGo s'g} sDkgL, ;+:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;+rfns /
cfj4 ePsf] ;+:yfsf] gfd, 7]ufgf M
qm=;= ;+rfnssf] gfd, 7]ufgf cfa4 /x]sf] ;+:yfsf] gfd, 7]ufgf
!= >L ;/f]h s'df/ dxtf], ;nf{xL rd]nL unf e08f/, ;nf{xL
gf]6 M o; n3'ljQ ljQLo ;+:yfsf] ;+rfnsx?sf] ;DaGwdf æ;"rLs[t ;Ël7t ;+:yfx?sf] ;+:yfut ;'zf;g
;DaGwL lgb]{lzsf, @)&$Æ sf] Joj:yfx? tyf sDkgL P]g, @)^# sf] bkmf *( sf] pkbkmf -!_ 5 sf] kfngf
ePsf] 5 .

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

-s_ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt glnO{ ljQLo ;+:yfsf] z]o/ s'g} ljb]zL a}+s jf ljQLo ;+:yfnfO{
laqmL jf x:tfGt/0f ul/g] 5}g .
-v_ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt glnO{ ;+:yfks / ;j{;fwf/0f ;d"xsf] z]o/ :jfldTj cg'kftdf
kl/jt{g ug{ kfO{g] 5}g .
-u_ ljQLo ;+:yfn] sf/f]jf/ ;+rfng u/]sf] kFfr jif{ gk'u];Dd ;f] ;+:yfsf] ;+:yfksn] cfˆgf] z]o/
ljqmL jf lwtf]aGws /fVg kfpg] 5}g / pQm cjlwkl5 To:tf] z]o/ ljqmL ubf{ jf lwtf]aGws
/fVg' kbf{ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt lng' kg]{5 . o; Joj:yf adf]lhd ljQLo ;+:yfn]
sf/f]jf/ ;+rfng u/]sf] kfFr jif{ gk'u] tfklg ljQLo ;+:yfsf] ;+rfngdf s'g} jfwf Jojwfg
pTkGg eO{ ljz]if kl/l:yltsf] ;[hgf xg uPdf g]kfn /fi6« a}+ssf] :jLs[lt lnO{ ;+:yfksx?sf
aLrdf z]o/ v/Lb ljqmL ug{ ;lsg]5 .
t/ To;/L xs 5f]8\bf jf x:tfGt/0f ubf{ klxnf] k|fyldstf h'g ;d"xsf] z]o/ xf] ;f]xL
;d"xsf z]o/wgLx?nfO{ lbg' kg]{5 . o;/L z]o/ ljqmL ubf{ Ps eGbf a9L z]o/wgLn] z]o/ v/Lb
ug{ rfx]df lghn] wf/0f u/]sf] z]o/sf] cg'fktdf ljt/0f ug'{ kg]{5 . ;f] ;d"xsf s'g} klg
;+:yfks z]o/wgLn] z]o/ lng] OR5f gu/]df dfq To:tf] z]o/ g]kfn /fi6« a}+ssf] :jLs[lt lnO{
;+rfns ;ldltsf] lg0f{o adf]lhd cGo JolQm, kmd{, sDkgL jf ;+:yfnfO{ laqmL ug{ ;lsg] 5 .
-3_ s'g} ;+:yfks z]o/wgLsf] d[To' ePdf jf k|rlnt sfg"g adf]lhd kfl/jfl/s c+zj08f ePdf jf
cbfntsf] cfb]zn] lghsf] z]o/ xsjfnfdf gfd;f/L x'g] ePdf v08 -u_ sf] aGb]h nfu" x'g]
5}g .
-ª_ ;j{;fwf/0fn] z]o/ vl/b ubf{ !) c+sn] efu ubf{ z]if g/xg] u/L Go"gtd !) lsQf z]o/ jf
clwstddf %,))) lsQf z]o/ v/Lb ug{sf] nflu lgj]bg ug{ ;Sg]5 .
t/ xsk|b z]o/ / af]g; z]o/sf] xsdf ;f] aGb]h nfu" x'g] 5}g .
-r_ ljQLo ;+:yfsf ;+rfns, sfo{sf/L k|d'v, n]vfk/LIfs, ;lrj jf ljQLo ;+:yfsf] Joj:Yffkg tyf
n]vf ;DaGwL sfo{df k|ToIf ?kn] ;+nUg JolQmn] To:tf] kbdf jxfn /x+bfsf] jvt jf To:tf]
kbaf6 cjsfz k|fKt u/]sf] sDtLdf Ps jif{;Dd ;DalGwt ljQLo ;+:yfsf] jf To;sf] ;xfos
sDkgLsf] z]o/ cfˆgf] jf cfˆgf] kl/jf/sf] lgoGq0fdf /x]sf] kmd{, sDkgL jf ;+:yfsf] gfddf
v/Lb ljqmL ug{, u/fpg, ug{ lbg, lwtf]aGws /fVg, /fVg nfugp jf bfg as; lng, lbg jf
n]gb]g ug{ x'b}g .
t/, gofF z]o/ hf/L u/]sf] cj:yfdf of] k|ltaGw nfu" x'g] 5}g .
-5_ s;}n] v08 -r_ sf] 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 ljt/0f ug{ ;Sg]5 .
-h_ z]o/ vl/b jf x:tfGt/0f ug{ aGb]h ;DaGwL cGo Joj:yf a}+s tyf ljQLo ;+:yf ;DaGwL P]g,
@)^#, sDkgL sfg"g, lwtf]kq sf/f]jf/ ;DaGwL sfg"g tyf cGo k|rlnt sfg"gdf pNn]v eP
adf]lhd x'g]5 .

;j{;fwf/0f z]o/wgL ;d"x afx]s cGo ;d"x -;+:yfks / cGo ;d"x_ n] lnPsf] z]o/ ;+ul7t ;+:yfn]
;fj{hlgs lgisf;g u/]sf] z]o/ afF8kmfF8 ePsf] ldltn] tLg jif{sf] cjlw k"/f geO{ laqmL ug{ kfO{g]

9
 5}g . ljlQo ;+:yfn] sf/f]af/ ;+rfng u/]sf] kf‘r jif{ gk'u];Dd ;f] ;+:yfsf] ;+:yfksn] cfkmgf] z]o/
laqmL jf lwtf]aGws /fVg kfpg]5}g .

u=%=v= ;+:yfks÷;+rfns ;Fusf] sf/f]af/ M

-s_ ;+ul7t ;+:yfaf6 s'g} ;+:yfks÷;+rfnsn] k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf
u}/cfly{s_ k|fKt u/]sf] jf k|fKt ug]{ ePdf To:tf] j:t' jf ;'ljwfsf] k|s[lt / d'No / To:tf] ;'ljwf
lbP afkt ;+ul7t ;+:yfn] s'g} ;DklQ, ;]jf k|fKt u/]sf] jf ug]{ ePdf tT;DaGwL ljj/0f M
;f] gePsf] .
-v_ a'Fbf -s_ df pNn]lvt a:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M ;f] gePsf] .

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

o; sDkgL k|rlnt sDkgL sfg"g cGtu{t :yflkt tyf ;~rflnt klAns lnld6]8 sDkgL xf] . o;df
z]o/wgLx?sf] bfloTj ;Lldt 5 . o; ljQLo ;+:yfsf] sf/f]jf/sf] ;DaGwdf z]o/wgLsf] bfloTj lghn] vl/b
u/]sf] jf vl/b ug{ saf]n u/]sf] c+lst d"No;Dd dfq ;Lldt /xg]5 .

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

u=&=s= ;+ul7t ;+:yfsf] pRr Aoa:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f M
-s_ ;+ul7t ;+:yfsf] pRr Aoa:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn]
u/]sf] sfdsf] cg'ej tyf ;+ul7t ;+:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy}
To:tf] sd{rf/Lx? cGo s'g} ;"lrs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL eP jf cGo s'g} ;+ul7t
;+:yfdf nufgL u/]sf] eP pQm ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] /sd v'nfpg' kg]{ .
z]o/
qm=;+= sd{rf/Lsf] gfd kb of]Uotf lgo'lQm ldlt sfof{g'ej
;+Vof
k|d'v sfo{sf/L PdP;;L, s[lif ljsf; a}+s lnld6]8df @*
!= >L lszf]/L dxtf] @)&%÷)!÷)! @,)))
clws[t laPn jif{sf] sfo{fg'ej .
l5d]s n3'ljQ ljQLo ;+:yfdf
$=% jif{, cfbz{ ;xsf/Ldf !
jif{ d'lQmgfy ljsf; a}+s
PdP, lnld6]8 @ jif{ , ;dtf n3'ljQ
@= >L /f]zg u'?Ë al/i7 k|aGws @)&%÷!!÷@) –
ljljP; ljQLo ;+:yf lnld6]8df % jif{
, ;dfh n3'ljQ ;+:ydf !
jif{sf] sfo{fg'ej u/L hDdf
!#=% aif{sf] cg'ej
:j/f]huf/ n3'ljQ ljQLo
;+:yfdf !=% jif{, jf]dL n3'ljQ
>L ;Gtf]if k|;fb
#= al/i7 ;xfos Kn; 6' @)&^÷!)÷!% ljQLo ;+:yf, hgsk'/ n3'ljQ –
s'z'jfxf
ljQLo ;+:yf lnld6]8 !!
dlxgfsf] sfof{g'ej
gf]6 M pNn]lvt sd{rf/Lx? cGo s'g} ;"lrs[t ;+ul7t ;+:yfsf] cfwf/e't z]o/wgL g/x]sf] tyf plgx?sf] cGo s'g} ;+ul7t ;+:yfdf
nufgL g/x]sf] .

-v_ ljj/0fkq af]8{df k|:t't ug{' eGbf ! aif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf]
cj:yf afx]s ;+ul7t ;+:yfsf] pRr Aoa:yfksLo txdf /x]sf s'g} sd{rf/L kl/jt{g ePdf ;f]
;DaGwL ljj/0f pNn]v ug'{ kg]{ M gePsf] .

10
 -u_ sd{rf/L ;+Vof M
c:yfoL
s'n sd{rf/L
:yfoL -k/LIf0fsfn s/f/ Hofnfbf/L cGo
;+Vof
÷klzIffyL{_
#! $ @$ @ ! –

u=&=v= ;+rfns Pj+ pRr Aoa:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0f M
-s_ ;+rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf
lghx?nfO{ k|bfg ul/g] jf ul/Psf] b}lgs tyf e|d0f eQf tyf cGo ;'ljwf M
sDkgLsf] lgodfjnLsf] Joj:yf adf]lhd ;+rfnsx?sf] eQf tyf cGo ;'ljwf M
!= b}lgs sfo{ ;~rfngdf sfo{sf/L k|d'vsf] x}l;otn] k|ToIf ?kdf ;+nUg ;~rfnsn] dfl;s
kfl/>lds ?= %),)))÷– kfpg]5 / :jb]z tyf ljb]zsf] e|d0f vr{ l6s6 adf]lhdsf]
jf:tljs vr{ ePsf] /sdsf] cfwf/df e'QmfgL lbg]5 .
@= ;~rfns ;ldltsf] a}7sdf pkl:yt eP jfkt cWoIfn] / cGo ;+rfnsn] kfpg] k|lt a}+7s
eQf ?= !,%))÷– x'g]5 .
#= ljQLo ;+:yfsf] sfdsf] l;nl;nfdf ;+rfnssnfO{ k|bfg ul/g] b}lgs tyf e|d0f eQf b]xfo
adf]lhd x'g]5 M
-c_ :jb]zdf b}lgs eQf ?= @,)))÷–
-cf_ ef/tdf b}lgs eQf ef=?= @,%))÷–
-O_ ef/t jfx]s cGo ljb]zL d'n'sdf b}lgs eQf cd]l/sL 8n/ !))÷–
-O{_ e|d0f eQf vr{ jf:tljs ljn adf]lhd .
gf]6M xfn ljQLo ;+:yf k|d'v sfo{sf/L clws[tnfO{ dfl;s kfl/>lds jfkt #%,)))÷– pknAw
u/fpFb} cfPsf] 5 .

-v_ ;+ul7t ;+:yfsf] pRr Aoa:yfklso txsf tLg hgf clws[tx?sf] gfd / kb / Ps cfly{s aif{sf]
cjlw leq pgLx?nfO{ kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd M
Ps cfly{s aif{sf] cjlw
qm=
sd{rf/Lsf] gfd kb leq kfl/>lds sf] ?kdf cjlw
;+=
e'Qmfg ul/Psf] /sd
!= >L lszf]/L dxtf] k|d'v sfo{sf/L clws[t $,##,!!#÷– cf=j=)&%÷)&^
@= >L /f]zg u'?Ë al/i7 k|aGws !,)(,!^&÷– cf=j=)&%÷)&^
#= >L ;Gtf]if k|;fb s'z'jfxf al/i7 ;xfos @)&^÷!)÷!%
–
df lgo'lQm ePsf]

-u_ s'g} clws[t jf ;+rfnsnfO{ eljiosf] nflu s'g} /sd k|bfg ul/g] u/L s/f/ ul/Psf] eP ;f] ;DaGwL
ljj/0f M g/x]sf] .

u=*= cGt{lglxt hf]vLd tyf ;f] df Joj:yfkgsf] nfuL Joj:yfkgsf] wf/0ff M

;+ul7t ;+:yfn] axg u/]sf] jf ug]{ hf]vLd :ki6 ?kdf pNn]v ug'{ kg]{ . o; ;Gbe{df hf]vLdx?nfO{ ;+ul7t
;+:yfsf] cfGtl/s jf Joj;fo÷cfof]hgf;Fu k|ToIf cyjf ;+ul7t ;+:yfsf] lgoGq0f eGbf aflx/sf] egL
alu{s/0f u/L k|d'v ?kdf b]xfosf] hf]vLdsf] ljZn]if0f ug'{ kg]{ .
ljQLo ;+:yfsf] cGtlg{lxt hf]lvdx? lgDgfg';f/ /x]sf 5g\ .
-s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvd M
 shf{ nufgLdf cK7\of/f] kg]{ / lgIf]k /sdsf] e'QmfgL lbg ;d:of kg]{ .
-v_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd M
 ;f] gePsf] .
-u_ pTkfbg jf ;]jfsf] ahf/sf] l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvd M
 gofF n3'ljQ ;+:yfx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g;Sg] hf]lvdx? .
11
  ljQLo ;+:yfn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hf]lvdx? .
 lgIf]k tyf shf{sf] Jofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx? .
-3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clea[l4 (Cost Overrun) sf]
hf]lvd M
 ;f] gePsf] .
-ª_ ljb]zL ljlgdosf] hf]lvd M
 ;f] gePsf] .
-r_ sfg"gL k|lqmofx? tyf O{hfht k|fKt ug'{kg]{ eP ;f]af6 kg{ ;Sg] cj/f]wx? M
 ;f] gePsf] .
-5_ If]qLos/0f / ljZjJofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M
 cGt/fl{i6«o ahf/df x'g] dGbLaf6 g]kfnL ahf/df kg{;Sg] c;/af6 x'g;Sg] cfly{s hf]lvdx? .
 k"FhL ahf/sf] cj:yfdf cfpg] ptf/–r9fjaf6 kg{;Sg] hf]lvdx? .
-h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjJofkL ?kdf x'g] gLltut kl/jt{gaf6 pTkGg
x'g] hf]lvd M
 b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] hf/L ug]{ lgod lgb]{zgsf] ck|Toflzt kl/jt{gaf6
l;h{gf x'g] ;Defljt hf]lvdx? .
 b]zsf] j}b]lzs gLltdf x'g;Sg] kl/jt{gaf6 pTkGg x'g;Sg] ;Defljt hf]lvdx? .
 g]kfn ;/sf/ tyf cGo lgodg lgsfox?sf] cfly{s tyf ljQLo gLlt lgoddf x'g] kl/jt{gaf6
l;h{gf x'g;Sg] ;Defljt hf]lvdx? .
-em_ ;~rfng Oltxf;sf] cefj M
 o; ljQLo ;+:yfn] cfˆgf] sf/f]jf/ @)&%÷)!÷@) ut]b]lv dfq ;~rfng u/]sf] x'Fbf ljQLo
;+:yfsf] sf/f]jf/ ;~rfngsf] Oltxf; 5f]6f] /x]sf] 5 .
-`_ k|ljlwsf] kl/jt{gaf6 x'g] ;Sg] hf]lvd M
 k|ljlw ;DaGwL kl/jt{gaf6 ljQLo ;+:yfsf] ;~rfng tyf sf/f]jf/ k|0ffnLdf ck|Toflzt hf]lvd
/xg' :jefljs g} xf] . ljQLo ;+:yfn] k|of]u ug]{ ;ˆ6j]o/df k|ljlwsf] kl/jt{gaf6 cfpg ;Sg]
hf]lvd Joj:yfkgsf nflu tYofÍx?sf] ;'/Iffy{ Data Backup df ljz]if ;ts{tf ckgfO{Psf] 5
/ To;af6 hf]lvdnfO{ Go"lgs/0f ug{ ljQLo ;+:yf ;Ifd /x]sf] 5 .
-6_ cGo M
 b]zsf] /fhg}lts cl:y/tfaf6 cfpg ;Sg] hf]lvdx? .
 b]zsf] cfly{s cj:yfdf cfpg] ptf/–r9fjaf6 x'g;Sg] hf]lvdx? .
pk/f]Qmfg';f/sf] hf]lvdx?nfO{ Go"g jf Joj:yfkg ug]{ ;DaGwdf Joj:yfkgsf] of]hgf M
ljQLo ;+:yfsf] shf{ tyf nufgL v/fa eO{ x'g;Sg] hf]lvdx?sf] nflu ljQLo ;+:yfn] shf{ tyf nufgL
hf]lvd sf]ifsf] Joj:yf ug]{5 . ljQLo ;+:yfn] ljQ ahf/df x'g] k|lt:kwf{sf] ;fy} If]qLos/0f / ljZjJofkLs/0f
(Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hf]lvdx? Go"gLs/0f ug{sf nflu hgzlQm ljsf;df Wofg
k'¥ofpg'sf] ;fy} cGo Jofj;flos hf]lvdx?af6 l;h{gf x'g;Sg] xflg–gf]S;fgLsf] nflu Joj:yfkg rgfvf] eO{
;Defljt xflg–gf]S;fgL sd ug{ ;Ifd / k|lta4 5 . To:t} cGo ljleGg hf]lvdx? Go"gLs/0fsf nflu
k|efjsf/L cfGtl/s lgoGq0f k|0ffnL, ;dofg';f/sf] cfw'lgs k|ljlw, :ki6 gLlt tyf lgodx?sf] lgdf{0f Pjd\
;dofg';f/ cfˆgf] ;]jf tyf ;'ljwfx?df kl/jt{g ub}{ nlug] ljQLo ;+:yfsf] gLlt /x]sf] Joxf]/f hfgsf/L
u/fpF5f}+ .
lwtf]kqsf]] d"No kl/jt{g ;DaGwL hf]lvd M
?= !)) k|lt z]o/sf] b/n] lgisfzg ul/Psf] d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]jf/n] z]o/
d"Nodf x'g;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .

u=(= ljQLo ljj/0f M

12
u=(=s= ljQLo ljj/0f / tT;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f M
-s_ ;+ul7t ;+:yfsf] n]vfk/LIf0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf-gf]S;fg lx;fa, gfkmf-
gf]S;fg lx;fa afF8kmfF6, gub k|jfx ljj/0f M
o; sDkgLsf] cf=a=@)&%÷)&^ sf] n]vfkl/If0f ePsf] jf;nft, gfkmf—gf]S;fg lx;fa tyf gfkmf—
gf]S;fg afF8kmfF6 lx;fa vftfsf] oyfy{ ¿k/]vf o; k|sf/ 5 M
jf;nft -@)&^ cfiff9 d;fGt_

k"FhL tyf bfloTj -?= xhf/df_

!= z]o/ k"FhL 11,400
@= hu]8f tyf sf]ifx? (3,746)
#= C0fkq tyf aG8 -
$= ltg{ afFsL shf{ ;fk6 41,151
%= lgIf]k bfloTj 6,300
^= k|:tfljt gub nfef+z -
&= cfos/ bfloTj -
*= cGo bfloTj 547
s'n k"+hL tyf bfloTj 55,652

;DklQ -?= xhf/df_

!= gub df}Hbft 16
@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft -
#= a}s ÷laQLo ;+:yfdf /x]sf] df}Hbft 3,894
$= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd -
%= nufgL -
^= shf{ ;fk6 50,654
&= l:y/ ;DklQ 905
*= u}/ a}+ls+Í ;DklQ -
(= cGo ;DklQ 183
s'n ;DklQ 55,652
gfkmf– gf]S;fg lx;fa ->fj0f !, @)&% b]lv cfiff9 #!, @)&^_
ljj/0f -?= xhf/df_
!= Aofh cfDbfgL 3,996
@= Aofh vr{ 2,346
v'b Aofh cfDbfgL 1,650
#= sldzg tyf cGo ;+rfng cfDbfgL 1,196
$= ;6xL 36a9 cfDbfgL -
s'n ;+rfng cfDbfgL 2,846
%= sd{rf/L vr{ 2,280
^= cGo ;+rfng vr{ 2,257
&= ;6xL 36a9 gf]]S;fg -
;Defljt gf]S;gL Aoa:yf cl3sf] ;+rfng d'gfkmf (1,691)
*= ;Defljt gf]S;fgL Joj:yfx? 768
;+rfng d'gfkmf (2,459)
(=u}/ ;+rfng cfDbfgL÷vr{ -
!)=;Defljt gf]S;fgL Aoa:yfaf6 lkmtf{ 330
lgoldt sf/f]jf/af6 ePsf] d'gfkmf (2,129)
!!=c;fdfGo sf/f]jf/af6 ePsf] d'gfkmf÷-vr{_ -

13
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf (2,129)
!@=sd{rf/L af]g; Joj:yf -
!#=cfos/ Aoa:yf -
o; jif{sf] s/ Joj:yf -
ljut jif{;Ddsf] s/ Joj:yf -
o; jif{sf] :yug s/ cfDbfgL÷vr{ -
v'b gfkmf÷-gf]]S;fg_ (2,129)
gfkmf– gf]S;fg afF8kmfF8 lx;fa ->fj0f !, @)&% b]lv cfiff9 #!, @)&^_
ljj/0f -?= xhf/df_
cfDbfgL
!=ut jif{;Ddsf] ;+lrt d'gfkmf (1,617)
@=o; jif{sf] d'gfkmf (2,129)
#=;6xL 36a9 sf]if -
hDdf (3,746)
vr{
!=ut jif{;Ddf] ;+lrt gf]S;fg -
@=o; jif{sf] gf]S;fg -
#=;fwf/0f hu]8f sf]if -
$=e}k/L cfpg] hu]8f -
%=;+:yf ljsf; sf]if -
^=nfef+z ;lds/0f sf]if -
&=sd{rf/L ;DaGwL hu]8fx? -
*=k|:tfljt nfef+z -
(=k|:tfljt af]g; z]o/ -
!)=ljz]if hu]8f sf]if -
!!=;6xL 36a9 sf]if -
!@=k'+hL lkmtf{ hu8f sf]if -
!#=k'hL ;dfof]hg sf]if -
!$=:yug s/ hu]8f -
!%=u|fxs ;+/If0f sf]if -
hDdf -
;+lrt d'gfkmf÷-gf]S;fg_ (3,746)
gub k|jfx ljj/0f ->fj0f !, @)&% b]lv cfiff9 #!, @)&^_
ljj/0f -?= xhf/df_
s_ sf/f]af/ ;~rfngaf6 gub k|jfx (38,969)
!= gub k|flKt 5,192
!=! Aofh cfDbfgL 3,996
!=@ ckn]lvt shf{sf] c;"nL -
!=# sldzg tyf cGo cfDbfgL 1,196
@= gub e'QmfgL 6,737
@=!= Jofh vr{ 2,346
@=@ sd{rf/L vr{ 2,280
@=# sfof{no ;+rfng vr{ 2,110
@=$ cfos/ e'QmfgL -
@=% cGo vr{ -
sfo{ut k"FhL ultljlw cl3sf] gub k|jfx (37,424)
;~rfng ;DalGw rfn' ;Dkltdf sdL÷-a[l4_ (43,875)
!= dfu tyf cNk ;'rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ -

14
 @= cGo cNksfnLg nufgLdf sdL÷-a[l4_ -
#= shf{df sdL÷-a[l4_ (43,829)
$= cGo ;DklQdf sdL÷-a[l4_ (47)
;~rfng ;DalGw rfn' bfloTjdf sdL÷-a[l4_ 6,451
!= lgIf]k bfloTjdf -sdL_÷j[l¢ 6,093
@= cNksfnLg ;fk6Ldf -sdL_÷a[l4 -
#= cGo bfloTjdf -sdL_÷a[l4 358
v_ nufgL sf/f]af/df gub k|jfx (485)
!= bL3{sfnLg nufgLdf sdL÷-a[l4_
@= l:y/ ;Dkltdf sdL÷-a[l4_ (485)
#= bL3{sfnLg nufgLdf Jofh cfDbfgL -
$= nfefz+ cfDbfgL -
%= cGo -
u_ ljQLo sf/f]af/af6 gub k|jfx 41,151
!= bL3{sfnLg C0f -a08, l8a]~r/ cflb_ df a[l4÷-sdL_
@= z]o/ kF"hLdf a[l4÷-sdL_ -
#= cGo bfloTjdf a[l4÷-sdL_ 41,151
$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{df a[l4÷-sdL_ -
3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 -
cfDbfgL÷vr{
ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 1,697
r_ gub tyf a}+sdf /x]sf] z'?sf] df}Hbft 2,213
5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 3,910

-v_ ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt e}g;s]sf]
cj:yfdf ;+rfng cjlwe/sf] n]vfk/LIf0f ePsf] gfkmf gf]S;fg, jf;nft ;lxtsf] ;+lIfKt ljQLo
ljj/0f -;xfos sDkgL eP ;dli6s[t ?kdf_ M
jf;nft
jf:tljs -?= xhf/df_
k"FhL tyf bfloTj
cf=a= 073÷074 cf=a=074÷75 cf=a=075÷76
!= z]o/ k"FhL 5,700 11,400 11,400
@= hu]8f tyf sf]ifx? (464) (1,617) (3,746)
#= C0fkq tyf aG8 - - -
$= ltg{ afFsL shf{ ;fk6 - - 41,151
%= lgIf]k bfloTj - 207 6,300
^= k|:tfljt gub nfef+z - - -
&= cfos/ bfloTj - - -
*= cGo bfloTj 684 189 547
s'n k"+hL tyf bfloTj 5,920 10,180 55,652
jf:tljs -?= xhf/df_
;DklQ
cf=a= 073÷074 cf=a=074÷75 cf=a=075÷76
!= gub df}Hbft - 90 16
@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 570 - -
#= a}s ÷laQLo ;+:yfdf /x]sf] df}Hbft 5,350 2,123 3,894
$= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd - - -
%= nufgL - - -
^= shf{ ;fk6 - 7,264 50,654
&= l:y/ ;DklQ - 566 905
*= u}/ a}+ls+Í ;DklQ - - -

15
(= cGo ;DklQ - 136 183
s'n ;DklQ 5,920 10,180 55,652
gfkmf– gf]S;fg lx;fa
jf:tljs -?= xhf/df_
ljj/0f
cf=a= 073÷074 cf=a= 074÷75 cf=a= 075÷76
!= Aofh cfDbfgL - 151 3,996
@= Aofh vr{ - 1 2,346
v'b Aofh cfDbfgL - 150 1,650
#= sldzg tyf cGo ;+rfng cfDbfgL - 9 1,196
$= ;6xL 36a9 cfDbfgL - - -
s'n ;+rfng cfDbfgL - 159 2,846
%= sd{rf/L vr{ 150 381 2,280
^= cGo ;+rfng vr{ 314 857 2,257
&= ;6xL 36a9 gf]]S;fg - - -
;Defljt gf]S;gL Aoa:yf cl3sf] ;+rfng
d'gfkmf (464) (1,079) (1,691)
*= ;Defljt gf]S;fgL Joj:yfx? - 73 768
;+rfng d'gfkmf (464) (1,152) (2,459)
(=u}/ ;+rfng cfDbfgL÷vr{ - - -
!)=;Defljt gf]S;fgL Aoa:yfaf6 lkmtf{ - - 330
lgoldt sf/f]jf/af6 ePsf] d'gfkmf (464) (1,152) (2,129)
!!=c;fdfGo sf/f]jf/af6 ePsf] d'gfkmf÷-vr{_ - - -
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf (464) (1,152) (2,129)
!@=sd{rf/L af]g; Joj:yf - - -
!#=cfos/ Aoa:yf - - -
o; jif{sf] s/ Joj:yf - - -
ljut jif{;Ddsf] s/ Joj:yf - - -
o; jif{sf] :yug s/ cfDbfgL÷vr{ - - -
v'b gfkmf÷-gf]]S;fg_ (464) (1,152) (2,129)
gfkmf– gf]S;fg afF8kmfF8 lx;fa
jf:tljs -?= xhf/df_
ljj/0f
cf=a= 073÷074 cf=a= 074÷75 cf=a= 075÷76
cfDbfgL
!=ut jif{;Ddsf] ;+lrt d'gfkmf - (464) (1,617)
@=o; jif{sf] d'gfkmf (464) (1,152) (2,129)
#=;6xL 36a9 sf]if - - -
hDdf (464) (1,617) (3,746)
vr{
!=ut jif{;Ddf] ;+lrt gf]S;fg - - -
@=o; jif{sf] gf]S;fg - - -
#=;fwf/0f hu]8f sf]if - - -
$=e}k/L cfpg] hu]8f - - -
%=;+:yf ljsf; sf]if - - -
^=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 36a9 sf]if - - -

16
 !@=k'+hL lkmtf{ hu8f sf]if - - -
!#=k'hL ;dfof]hg sf]if - - -
!$=:yug s/ hu]8f - - -
!%=u|fxs ;+/If0f sf]if - - -
hDdf - - -
;+lrt d'gfkmf÷-gf]S;fg_ (464) (1,617) (3,746)

-u_ cfly{s aif{ ;dfKt ePsf] ^ dlxgf kZrft\ ljj/0fkq :jLs[tLsf] nfuL k]z u/]df pQm cGtl/d
cjlwsf] nflu n]vfkl/Ifsaf6 k|dfl0ft u/]sf] ckl/is[t ljlQo ljj/0f M
jf;nft -@)&& cfiff9 d;fGt_
k"FhL tyf bfloTj -?= xhf/df_
!= z]o/ k"FhL 11,400
@= hu]8f tyf sf]ifx? (1,317)
#= C0fkq tyf a08 -
$= ltg{ afFsL shf{ ;fk6 136,270
5= lgIf]k bfloTj 31,096
^= e'QmfgL lbg' kg]{ lanx? -
&= k|:tfljt tyf e'QmfgL lbg afFsL nfef+z -
*= cfos/ bfloTj -
(= cGo bfloTj 759
s'n bfloTj 178,208

;DklQ -?= xhf/df_

!= gub df}Hbft 846
@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft -
#= a}s ÷laQLo ;+:yfdf /x]sf] df}Hbft 25,794
$= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd -
%= nufgL -
^= shf{ ;fk6 tyf lan vl/b 149,059
&= l:y/ ;DklQ 1,489
*= u}/ a}+ls+Í ;DklQ -
(= cGo ;DklQ 1,020
s'n ;DklQ 178,208
gfkmf– gf]S;fg lx;fa ->fj0f !, @)&^ b]lv @)&& cfiff9 c;fGt;Dd_
ljj/0f -?= xhf/df_
!= Aofh cfDbfgL 19,331
@= Aofh vr{ 12,368
v'b Aofh cfDbfgL 6,963
#= sldzg tyf cGo ;+rfng cfDbfgL 4,153
$= ;6xL 36a9 cfDbfgL -
s'n ;+rfng cfDbfgL 11,116
%= sd{rf/L vr{ 4,279
^= cGo ;+rfng vr{ 3,373
&= ;6xL 36a9 gf]]S;fg -
;Defljt gf]S;gL Aoa:yf cl3sf] ;+rfng d'gfkmf 3,465
*= ;Defljt gf]S;fgL Joj:yfx? 2,269
;+rfng d'gfkmf 1,196
(=u}/ ;+rfng cfDbfgL÷vr{ -

17
 !)=;Defljt gf]S;fgL Aoa:yfaf6 lkmtf{ 1,233
lgoldt sf/f]jf/af6 ePsf] d'gfkmf 2,428
!!=c;fdfGo sf/f]jf/af6 ePsf] d'gfkmf÷-vr{_ -
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 2,428
!@=sd{rf/L af]g; Joj:yf -
!#=cfos/ Aoa:yf -
o; jif{sf] s/ Joj:yf -
ljut jif{;Ddsf] s/ Joj:yf -
o; jif{sf] :yug s/ cfDbfgL÷vr{ -
v'b d'gfkmf÷-gf]]S;fg_ 2,428
gf]6M @)&& cfiff9 d;fGtsf] ckl/is[t ljQLo ljj/0f .

-3_ cfDbfgL / vr{ lx;fjsf] s'g} zLif{sdf 7'nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M ;f]
gePsf] .
-ª_ kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft ;+ul7t ;+:yfsf] sf/f]af/, gfkmf gf]S;fg, ;DklQsf]
d'No jf cfufdL !@ dlxgfsf] bfloTj e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5÷5}g ;f]
;DaGwdf ;+rfnsx?sf] wf/0ff M ;f] gePsf] .
-r cfly{s jif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, cfly{s jif{ ;dfKt ePsf] ldltaf6 k]z ePsf]
ldlt;Dddf jf;nftsf] ldlt kl5sf] 36gfsf] jf/]df 5'§} hfgsf/L ljj/0fkqdf ;dfj]z ug'{kg]{ M ;f]
gePsf] .
-5_ ljut % jif{df ;DklQsf] k'gd"{Nof+sg ul/Psf] 5÷5}g, olb ul/Psf] eP -c_ ;DklQsf] ljj/0f -cf_
;DklQsf] k'gd"{Nof+sg cl3 / kl5sf] lstfjL d"No -O{_ k'gd"{Nof+sgsf] cf}lrTo M ;f] gePsf] .
-h_ cfufdL tLg jif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x? M
jf;nft
k|If]lkt -?= xhf/df_
k"FhL tyf bfloTj
cf=a=077÷78 cf=a=078÷79 cf=a=079÷80
!= z]o/ k"FhL 20,000 20,000 20,000
@= hu]8f tyf sf]ifx? 471 4,917 9,482
#= C0fkq tyf aG8 - - -
$= ltg{ afFsL shf{ ;fk6 163,524 196,229 235,474
%= lgIf]k bfloTj 38,870 48,588 60,735
^=e'QmfgL lbg' kg]{ lanx? - - -
&= k|:tfljt tyf e'QmfgL lbg afFsL nfef+z - - -
*= cfos/ bfloTj - 993 1,957
(= cGo bfloTj 1,274 1,529 1,987
s'n k"+hL tyf bfloTj 224,139 272,255 329,635
k|If]lkt -?= xhf/df_
;DklQ
cf=a=077÷78 cf=a=078÷79 cf=a=079÷80
!= gub df}Hbft 1,058 1,136 1,555
@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft - - -
#= a}s ÷laQLo ;+:yfdf /x]sf] df}Hbft 39,981 41,181 40,769
$= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd - - -
%= nufgL - - -
^= shf{ ;fk6 179,663 224,552 280,657
&= l:y/ ;DklQ 1,936 2,324 2,788
*= u}/ a}+ls+Í ;DklQ - - -
(= cGo ;DklQ 1,502 3,062 3,866
s'n ;DklQ 224,139 272,255 329,635

18
 gfkmf– gf]S;fg lx;fa
k|If]lkt -?= xhf/df_
ljj/0f cf=a=077÷78 cf=a=078÷79 cf=a=079÷80
!= Aofh cfDbfgL 28,271 34,772 42,875
@= Aofh vr{ 17,022 21,923 26,505
v'b Aofh cfDbfgL 11,249 12,849 16,371
#= sldzg tyf cGo ;+rfng cfDbfgL 4,568 5,053 5,608
$= ;6xL 36a9 cfDbfgL - - -
s'n ;+rfng cfDbfgL 15,817 17,902 21,979
%= sd{rf/L vr{ 5,348 6,685 8,357
^= cGo ;+rfng vr{ 4,191 4,698 5,781
&= ;6xL 36a9 gf]]S;fg - - -
;Defljt gf]S;gL Aoa:yf cl3sf] ;+rfng d'gfkmf 6,278 6,519 7,841
*= ;Defljt gf]S;fgL Joj:yfx? 1,640 537 666
;+rfng d'gfkmf 4,638 5,982 7,174
(=u}/ ;+rfng cfDbfgL÷vr{ - - -
!)=;Defljt gf]S;fgL Aoa:yfaf6 lkmtf{ - - -
lgoldt sf/f]jf/af6 ePsf] d'gfkmf 4,638 5,982 7,174
!!=c;fdfGo sf/f]jf/af6 ePsf] d'gfkmf÷-vr{_ - - -
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 4,638 5,982 7,174
!@=sd{rf/L af]g; Joj:yf 422 544 652
!#=cfos/ Aoa:yf - 993 1,957
o; jif{sf] s/ Joj:yf - 993 1,957
ljut jif{;Ddsf] s/ Joj:yf - - -
o; jif{sf] :yug s/ cfDbfgL÷vr{ - - -
v'b d'gfkmf÷-gf]]S;fg_ 4,217 4,445 4,565
gfkmf– gf]S;fg afF8kmfF8 lx;fa
k|If]lkt -?= xhf/df_
ljj/0f
cf=a=077÷78 cf=a=078÷79 cf=a=079÷80
cfDbfgL
!=ut jif{;Ddsf] ;+lrt d'gfkmf - 1,265 4,817
@=o; jif{sf] d'gfkmf 4,217 4,445 4,565
#=;6xL 36a9 sf]if - - -
$= :yug s/ - - -
%= hu]8f sf]if ;dfof]hg - - -
^= ut aif{sf] ;+:yfut ;fdflhs pQ/bfloTj sf]ifaf6 - 42 44
lkmtf{ /sd
&= ut aif{sf] u|fxs ;+/If0f sf]ifaf6 lkmtf{ /sd - 42 44
*= ut ;fnsf] z]o/ lk|ldod - - -
hDdf 4,217 5,795 9,471
vr{
!=ut jif{;Ddf] ;+lrt gf]S;fg 2,024 - -
@=o; jif{sf] gf]S;fg - - -
#=;fwf/0f hu]8f sf]if 843 889 913
$=e}k/L cfpg] hu]8f - - -
%=;+:yf ljsf; sf]if - - -
^=nfef+z ;lds/0f sf]if - - -
&=sd{rf/L ;DaGwL hu]8fx? - - -

19
*=k|:tfljt nfef+z - - -
(=k|:tfljt af]g; z]o/ - - -
!)=ljz]if hu]8f sf]if - - -
!!=;6xL 36a9 sf]if - - -
!@=k'+hL lkmtf{ hu8f sf]if - - -
!#=k'hL ;dfof]hg sf]if - - -
!$= cGo -:yug s/ hu]8f_ - - -
!%= nufgL ;dfof]hg sf]if - - -
!^= ut jif{ ;DaGwL ;dfof]hg - - -
!&= ;fdflhs pQ/bfloTj sf]if 42 44 46
!*= u|fxs ;+/If0fsf]if 42 44 46
!(= sd{rf/Lx?sf]] bIftf clej[l4 sf]if - - -
hDdf 2,951 978 1,004
;+lrt d'gfkmf÷-gf]S;fg_ 1,265 4,817 8,467
ljQLo k|If]k0fsf cfwf/x?sf] cf}lrTo k'li6 x'g] ljj/0f b]xfo adf]lhd /x]sf] 5 M
ljQLo k|If]k0fsf k|d'v cfwf/x?
ljj/0f cf=a=077÷78 cf=a=078÷79 cf=a=079÷80

s'n lgIf]kdf cf}ift a[l4b/ -k|ltztdf_ 25.00% 25.00% 25.00%

s'n shf{ tyf ;fk6df cf}ift a[l4b/ -k|ltztdf_ 21% 25% 25%
s'n shf{ tyf lgIf]k±k"Flhsf]if cg'kft -k|ltztdf_ 81.58% 84.25% 87.20%
s'n cfodf cf}ift a[l4b/ 39.84% 21.27% 21.74%
s'n vr{df cf}ift a[l4b/ 26.53% 20.01% 22.06%
;+rfng vr{ tyf s'n cfDbfgL cg'kft 29% 29% 29%
v'b d'gfkmfdf cf}ift a[l4b/ 91.01% 5.42% 2.70%
lgIf]ksf] cf}ift Aofhb/ -k|ltztdf_ 9.00% 9.00% 9.00%
shf{ tyf ;fk6sf] cf}ift Aofhb/-k|ltztdf_ 16.00% 16.00% 16.00%
cfos/ Aoj:yf -k|ltztdf_ 30.00% 30.00% 30.00%
lgl:qmo shf{ ;fk6 -k|ltztdf_ 0.30% 0.30% 0.30%
nufgL df k|ltkmn - - -
cGo ;+rfng vr{sf j[l4b/ 24.25% 12.12% 23.06%
sd{rf/L vr{df a[l4b/ 25.00% 25.00% 25.00%
% of Provision on Total Gross Loan 1.18% 1.18% 1.18%
CRR 5.44% 5.85% 5.12%
SLR 13.20% 12.44% 15.49%
 ;+rfng gfkmfsf] 10 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 30 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] .
 k'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= 2077.78, 2078.79 / 2079.80 sf] nflu qmd; 11.66, 11.45 /
10.97 k|ltzt / k|fylds k'lhsf] cg'kft cf=a= 2077.78, 2078.79 / 2079.80 sf] nflu qmd;
10.71, 10.50 / 10.01 k|ltzt x'g]ul/ k|If]k0f ul/Psf] 5 .
 sldzg tyf cGo ;~rfng cfDbfgL cf=a= 2077.78, 2078.79 / 2079.80 sf] nflu qmd; 382, 111, /
111 k|ltzt sfod /xg] cg'dfg ul/Psf] 5 .
 sd{rf/L vr{ cf=a= 2077.78, 2078.79 / 2079.80 sf] nflu qmd; 135, 25, / 25 k|ltzt sfod /xg]
cg'dfg ul/Psf] 5 .
20
  cGo ;+rfng vr{ cf=a= 2077.78, 2078.79 / 2079.80 sf] nflu qmd; 24, 12, / 23 k|ltzt sfod /xg]
cg'dfg ul/Psf] 5 .
 ;Defljt gf]S;fgL cf=a= 2077.78, 2078.79 / 2079.80 sf] nflu qmd; 90, 24, / 23 k|ltzt sfod
/xg] cg'dfg ul/Psf] 5 .
 l:y/ ;DklQ df cf=a= 2077.78, 2078.79 / 2079.80 sf] nflu qmd; 214, 156, / 144 k|ltzt sfod
/xg] cg'dfg ul/Psf] 5 .
 cGo ;~rfng vr{ cf=a= 2077.78, 2078.79 / 2079.80 sf] nflu qmd; 24, 12, / 23 k|ltzt sfod
/xg] cg'dfg ul/Psf] 5 .
ljQLo k|If]k0fsf k|d'v cfwf/x?sf] cf}lrTo
 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/
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 #(=*$Ü n] j[l4 x'g]
k|If]k0f ul/Psf] xf] / cf=j= cf=j= @)&*÷&( df z]o/ k"FhL tyf shf{ nufgLsf] j[l4sf] cfwf/df cf=j= @)&*÷&( df
@!=@& k|ltzt tyf cf=j= @)&(÷*) df @!=&$ k|ltzt shf{ nufgLsf] j[l4sf] cfwf/df j[l4sf] k|If]k0f ul/Psf] xf] .
 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= @)&*÷&( 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 .
 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/ tyf C0f ;fk6Ldf ltg]{ Aofhsf] b/nfO{ ;d]t cfwf/dfgL cf=j= @)&&÷&* , cf=j= @)&*÷&(,
tyf 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 .

u=(=v= ljQLo cg'kft ;DaGwL ljj/0f M

-s_ ;~rfng cjlw tLg aif{ AotLt e};s]sf] cj:yfdf ljut tLg aif{sf] / tLg aif{ AotLt e}g;s]sf]
cj:yfdf ;~rfng cjlwsf] tyf cfufdL tLg aif{sf] k|If]lkt k|lt z]o/ cfDbfgL (EPS) tyf k|lt
z]o/ g]6jy{ M
;~rfng cjlw tLg jif{ Joltt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg aif{ Joltt e}g;s]sf] cj:yfdf ;~rfng cjlwsf]
tyf cfufdL tLg jif{sf] k|If]lkt k|lt z]o/ cfDbfgL -EPS_ tyf k|lt z]o/ g]6jy{ lgDgfg';f/ 5 .
jf:tlas ckl/is[t k|If]lkt
ljj/0f @)&^÷&&
)&#÷&$ )&$÷&% )&%÷&^ )&&÷&* )&*÷&( )&(÷*)
k|lt z]o/ cfDbfgL (EPS) (3.40) (18.66) (18.68) 21.30 23.00 22.23 22.83
k|lt z]o/ g]6jy{ 91.85 85.82 67.14 88.45 102.36 124.58 147.41

21
 jf:tljs -?= xhf/df_ k|If]lkt -?= xhf/df_
ljj/0f
ckl/is[t
cf=a= cf=a= cf=a= cf=a= cf=a= cf=a=
@)&^÷&&
073÷074 074÷75 075÷76 077÷78 078÷79 079÷80
r'Qmf k'+hL 5,700 11,400 11,400 11,400 20,000 20,000 20,000
hu]8f tyf sf]ifx? (464) (1,617) (3,746) (1,317) 471 4,917 9,482
s'n 5,236 9,783 7,654 10,083 20,471 24,917 29,482
36fpg] M ckn]vg ug{ afFsL
- - - - - - -
vr{ (Fictitious Assets)
s'n g]6jy{ 5,236 9,783 7,654 10,083 20,471 24,917 29,482
z]o/ ;+Vof -xhf/df_ 57 114 114 114 200 200 200
k|lt z]o/ g]6jy{ -?=_ 91.85 85.82 67.14 88.45 102.36 124.58 147.41
k|lt z]o/ r'Qmf k'+hL 100 100 100 100 100 100 100
g]6jy{df cf};t k|ltkmn -8.87% -11.78% -27.81% 24.08% 20.60% 17.84% 15.49%
lgisfzg k"j{sf] k|lt z]o/ cfDbfgL (EPS) sfod /fVg a[l4 x'g] g]6jy{df
20.21%
cfjZos Go"gtd k|ltkmn k|ltztdf

-v_ ljut # aif{sf] g]6jy{df ePsf] cf};t k|ltkmn M –!^=!%Ü

;+ul7t ;+:yfsf] k|If]lkt ljlQo ljj/0f ljut aif{sf] sf/f]af/sf] cfwf/df lgisfzg sDkgLn] tof/ u/]sf] xf] . pQm
ljlQo k|If]k0fsf] cfwf/x? tyf tl/sf k'g/fjnf]sg u/L l7s 5 elg >L cf/ s] P; P;f]l;o6\;sf l;P >L /fh]z
s'df/ zfxn] ug'{ ePsf] xf] .

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

u=!)=s= lwtf]kq hf/L ug'{sf] p2]Zo M
!= a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cg'?k slDtdf #)Ü z]o/ ;j{;fwf/0fdf laqmL ug'{kg]{
ePsf] / ;f]xL adf]lhd ljQLo ;+:yfsf] k|jGw–kqdf hf/L k"FhLsf] $#Ü z]o/ ;j{;fwf/0fdf laqmL
ug'{kg]{ k|fjwfg cg'?k ?= *^,)),)))÷– z]o/ kF'hL ;j{;fwf/0f g]kfnL gful/sx? -sd{rf/L ;d]t_
nfO{ laqmL ljt/0f u/L ljQLo ;+:yfsf] ;+rfngdf ;j{;fwf/0fnfO{ ;d]t ;+nUg u/fpg .
@= 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 p2]Zox? cg'?k ug'{kg]{ sfo{x?sf] nflu
cfjZos kg]{ k'FhL ;+sng ug{ .

u=!)=v= lwtf]kq lgisfzgaf6 k|fKt k'FhLsf] pkof]u M

-s_ lgisfzgaf6 k|fKt x'g] s"n /sdnfO{ s;/L / s'g If]qdf k|of]u ul/g]5 tt\ ;DaGwL ljj/0f M
lgisfzgaf6 k|fKt x'g] s'n /sd tn pNn]lvt ljleGg If]qx?df k|of]u x'g]5 M
 ef}lts k'jf{wf/ tyf zfvf lj:tf/ ?= @),)),)))÷–
 s[ifL, kz'kfng, v'b|f Aofkf/ tyf ;]jf Aoj;fo shf{ – ?= #!,)),)))÷–
 v'b|f Aofkf/ / ;]jf shf{ – ?= #),)),)))÷–
 afl0fHo a}s nufot cGo laQLo ;+:yfx?df /flvg] gub – ?= %,)),)))÷–
-v_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf ljqmL gePdf ;fj{hlgs lgisfzgsf] nflu p2]Zo
k|fKtL ug{sf] nflu ckgfOg] a}slNks Joj:yfM
ljutdf ljQLo ;+:yfx?n] ;j{;fwf/0fdf z]o/ lgisfzg ubf{ lgisflzt z]o/x? k"0f{ ?kdf cfj]bg
k|fKt x'g] b]lvPsf]n] o; ljQLo ;+:yfsf] lgisflzt z]o/x? klg k"0f{ ?kdf laqmL x'g] ljQLo ;+:yfsf]
wf/0ff /x]sf] 5 . s'g} sf/0fjz k"0f{?kdf laqmL gePdf, >L ;flgdf Soflk6n lnld6]8, k'tnL;8s,
sf7df8f}+}n] lgisfzg /sdsf] !)) k|ltzt v/Lb ug]{ k|Tofe"ltdf ;D´f}tf ul/Psf] 5 .
-u_ cfof]hgfsf] ;+rfng :yfg, cfof]hgf r/0fa4 ?ksf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{,
s'g} r/0f ;dfKt e};s]sf] eP ;f] ;DaGwL ljj/0f M ;f] gePsf] .
22
 -3_ cfof]hgf ;DkGg x'g], kl/If0f pTkfbg z'? x'g] / k"0f{ Jofj;flos pTkfbg z'? x'g] cg'dflgt ldlt M
;f] gePsf] .
-ª_ ;+ul7t ;+:yfn] s'g} pks/0f vl/b u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"No jf k|f:tfljt
d"No ;Knfo;{sf] gfd / ;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d'Vo d'Vo a"Fbfx? M ;f] gePsf] .
-r_ s'g} kf6L{;Fu k|ltlnlk clwsf/ 6«]8dfs{ Ohfhtkq /f]oN6L ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws
;Demf}tf ul/Psf] eP ;f] sf] k|d'v zt{x? / kf6L{sf] gfd 7]ufgf ;DaGwL ljj/0fM ;f] gePsf] .
-5_ pTkfbg ;DaGwL cfof]hgf eP ;f] sf] k|s[lt k|of]ustf{ k|lt:kwf{ nlIft ;d"x, pTkfbg Ifdtf ljut
jif{x?sf] Ifdtf pkef]u jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M ;f] gePsf] .
-h_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknJwtf / To;sf] >f]t M ;f] gePsf] .
-em_ cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M ;f] gePsf] .
-`_ ;fj{hlgs lgisfzgsf] nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Nsx? 5'§f5'§}
?kdf k|:t't ug'{ kg]{ .
-c_ lgisfzg tyf laqmL k|aGws — ?= !,)),)))÷—
-cf_ 6«i6L -l8j]Gr/ lgisfzgsf] xsdf_ — lgisfzg ul/g] l8j]Gr/ geO{ ;fwf/0f z]o/ ePsf] .
-O{_ k|Tofe"ltstf{ z'Ns — ?=$#,)))÷– -;flgdf Soflk6n lnld6]8nfO{ k|Tofe'tL ;Demf}tf jfkt
e'Qmfg ug'{kg]{ z'Ns_
-O_ lj1x?sf] kfl/>lds jf ;]jf z'Ns — ljlQo k|If]k0f tof/ ul/lbg] ljz]if1nfO{ ;]jf z'Ns
jfkt /sd ?= @%,)))÷– a'emfOg] 5 .
-p_ n]vfkl/Ifssf] z'Ns — ;f] gePsf] .
-pm_ cGo – gePsf] .
u=!)=u= ;fj{hlgs lgisfzgaf6 k|fKt /sdnfO{ cfof]hgfdf k|of]u ug{ k"j{ cGo s'g} Joj:yf ug{ nfluPsf] 5 eg]
tT;DaGwL ljj/0fM ;f] gePsf] .
u=!)=3= lk|ldoddf lwtf]kq hf/L ug]{ ePdf M lk|ldod z]o/ hf/L ug]{ gePsf] .
u=!)=ª= lwtf]kqsf] afF8kmfF6, lkmtf{ e'QmfgL tyf ;"rLs/0f ;DaGwL ljj/0f M
-s_ cToflws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmFf6sf] k|s[of M o; ljj/0fkq dfkm{t hf/L ul/Psf]
;fwf/0f z]o/ ;+Vof eGbf a9L ;+Vofdf ;fwf/0f z]o/ vl/bsf] nfLu b/vf:t k|fKt x'g cfPdf g]kfn
lwtf]kq af]8{sf] k|rlnt ælwtf]kq lgisfzg tyf aFf8kmFf6 lgb]{lzsf, @)&$Æ df ePsf] Aoj:yf
cg';f/ ;fwf/0f z]o/x? afF8kmFf8 ul/g]5 / z]o/ afF8kmfF8 ;DaGwL ;"rgf /fli6«o :t/sf] b}lgs
klqsfdf k|sflzt ul/g]5 .
!= z]o/ afF8kmfF6 ubf{ ;a{k|yd ;a} cfj]bsnfO{ bz lsQfsf] b/n] afF8kmfF8 ul/g] 5 .
@= a'Fbf -!_ adf]lhd afF8kmfF8 u/] kZrft afFsL /x]sf] lgisflzt z]o/ aL; jf ;f] eGbf a9L lsQf
cfj]bg ug]{ cfj]bsx?nfO{ k'gM bz lsQfsf] b/n] afF8kmfF8 ul/g] 5 .
#= a'Fbf -@_ adf]lhd z]o/ afF8kmfF8sf] k|s[of ;DkGg ePkZrft\ lwtf]kq afFsL ePdf ;f]lx k|s[of
ckgfO{ afF8kmfF8 ul/g] 5 .
$= pk/f]Qmfg';f/ z]o/ afF8kmfF6 ubf{ !) lsQfsf b/n] ;a} cfj]bsx?nfO{ afF8kmfF8 ug{ ck'u x'g]
cj:yfdf Go"gtd bz lsQf kfpg] ul/ uf]nf k|yfaf6 cfj]bs 5gf}6 ul/ ul/g] 5 .
%= z]o/ afF8kmfF8 ;km\6j]o/ tyf afF8kmfF8 tflnsfsf ;DaGwdf af]8{sf] ;xdlt lnO{g]5 .
^= z]o/ afF8kmfF8sf] hfgsf/L afF8kmfF8 u/]sf] ef]nLkN6;Dddf af]8{, lwtf]kq ahf/ tyf ;j{;fwf.0f
nfO{ hfgsf/L u/fOg] 5 .
-v_ cToflws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DjGwL Joj:yfM z]o/ jfktsf]
cfj]bg lng] sfo{ lwtf]kq v/Lb -;fj{hlgs lgisfzg_ ;DalGw lgb]{lzsf, @)&# -cf:af_ df ePsf]
Joj:yf adf]lhd ;xeflu a}+saf6 x'g]5 . pQm lgb]{lzsfsf] Joj:yf adf]lhd cfj]bssf] vftfdf g}
cfj]bg /sd /f]Ssf /flvg] ePsf]n] z]o/sf] cToflws dfu eO{ k|To]s cfj]bsn] dfu u/] adf]lhdsf]
z]o/ afF8kmfF8 ug{ g;lsg] cj:yfdf lghnfO{ afF8kmfF8 ePsf] z]o/ jfktsf] /sd dfq dfu u/L
afFsL /sd ;f]xL vftfdf /f]Ssf sfg'g adf]lhd ;xeflu a}+saf6 g} /f]Ssf km's'jf x'g] Joj:yf
ldnfO{g]5 .
23
 -u_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Jofhb/ M ælwtf]kq lgisfzg tyf
afF8kmfF6 lgb]{lzsf, @)&$Æ n] lgwf{l/t u/]sf] ;do leq z]o/sf] afF8kmfF8kq tyf /sd lkmtf{
e'QmfgL lbg g;lsPdf z]o/sf] ljqmL aGb ePsf] ldlt b]lv /sd lkmtf{ e'QmfgL lbg z'? u/]sf]
cl3Nnf] lbg;Ddsf] ;/sf/L C0fkqsf] k|rlnt clGtd Jofhb/sf] cfwf/df x'g cfpg] Jofh ;lxt
lx;fj u/L /sd lkmtf{ e'QmfgL ul/g] Joj:yf /x]sf]df o; lgisfzgdf lwtf]kq v/Lb -;fj{hlgs
lgisfzg_ ;DalGw lgb]{lzsf, @)&# -cf:af_ n] u/]sf] Joj:yf adf]lhd cfj]bg dfu ug'{kg]{ ePsf],
h;cg';f/ cfj]bss} a}+s vftfdf /sd /f]Ssf x'g] Joj:yf /x]sf] .
-3_ lwtf]kqsf] afF8kmfF6 tyf k|df0fkq hf/L ;DjGwL k|s[of / ;dofjwL M lgisf;g ul/g] ;fwf/0f z]o/
ælwtf]kq lgisfzg tyf aFf8kmFf6 lgb]{lzsf, @)&$Æ df Joj:yf eP cg';f/ afF8kmfF8 u/L ;"lrs/0f
eP kZrft\ ælwtf]kq s]lGb|o lgIf]k ;]jf lgodfjnL, @)^&Æ sf] lgod @$ sf] pklgod & adf]lhd
;DalGwt z]o/wgLsf] lxtu|fxL vftfdf cef}lts ?kdf z]o/ hDdf u/L ul/g]5 .
-ª_ lwtf]kq ;"lrs/0f e};s]sf] eP To:tf] lwtf]kq ;"lrs/0f ul/Psf] lwtf]kq ahf/sf] gfd lwtf]kq
sf/f]jf/ z'? x'gsf] nflu ;+ul7t :f+:yfn] k"/f ug'{kg]{ zt{x? ;DalGw ljj/0f M ;f] gePsf] .
-r_ lwtf]kq ;"lrs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf ljqmL ul/g] lwtf]kqx? k|rlnt
P]g, lgod cg';f/ ;xh v/Lb/laqmL jf ljlgdo x'g ;Sg] u/fpgsf] nflu ul/g] Joj:yf ;DaGwL
ljj/0f M o; ljj/0fkq cg';f/ hf/L ul/Psf] ;fwf/0f z]o/x? lwtf]kq lgisfzg tyf afF8kmfF8
lgb]{lzsf, @)&$ df ePsf] Joj:yf afF8kmfF8 u/L bf];|f] jhf/df sf/f]jf/ x'g] Joj:yfsf] nflu g]kfn
:6s PS;r]~h lnld6]8df ;"rLs/0f u/fO{ sf/f]jf/ x'g] Joj:yf ldnfOg]5 .
u=!)=r= k|Tofe"lt ;DaGwL ljj/0f M
-s_ lwtf]kq k|Tofe"lt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|Tofe"lt ug]{ lwtf]kqsf] ;+Vof / /sd M
o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] lwtf]kq dWo] !)) k|ltzt n] x'g cfpg] *^,)))
lsQf ;fwf/0f z]o/sf] nflu ;flgdf Soflk6n lnld6]8af6 k|Tofe"lt k|bfg u/fO{Psf] 5 .
-v_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo aF"bfx? M
o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] lwtf]kqsf] k|Tofe"ltstf{;Fu d'Vo a'Fbfx? b]xfo adf]lhd
/x]sf] 5 .
-!_ lgisfzgstf{n] ;fj{hlgs lgisfzgsf] nflu lgo'QmL u/]sf] k|Tofe"ltstf{nfO{ ;]jf z'Ns afkt
?= $#,)))÷– -cIf/]kL M lqrfln; xhf/ ?k}+of dfq_ pknAw u/fpg]5 . ;f] sldzg /sd lkmtf{ gx'g]
(Non-Refundable) sf ;fy} ;f] /sddf k|Tofe"ltstf{n] g]kfn lwtf]kq af]8{nfO{ lbg'kg]{ sldzg /sd
;d]t ;+nUg /x]sf] 5 .
-@_ ;fj{hlgs lgisfzg u/LPsf] b/vf:t /sd k'/} b/vf:t gk/]sf] cj:yfdf ljBdfg sfg'g adf]lhd
k|Tofe"ltstf{n] k|lt z]o/ ?= !))÷– sf b/n] *^,))) lsQf z]o/ vl/b ug]{5 .
-#_ z]o/ k|Tofe"lt ;D´f}tfsf] ;dofjlw ;fj{hlgs z]o/ ;j{;fwf/0fnfO{ hf/L u/L afF8kmfF8 geP;Dd
x'g]5 .
-$_ k|Tofe"lt ;Demf}tfsf] sfof{Gjog / JofVof k|rlnt d'n'sL b]jfgL ;+lxtf P]g, @)&$ cGtu{tsf]
s/f/;Fu ;DalGwt k|fjwfgx? adf]lhd x'g]5 .
-%_ z]o/ ;j{;fwf/0fdf laqmL ubf{ ;Dk"0f{ z]o/sf nflu cfj]bg k|fKt ePdf k|Tofe"ltstf{sf] bfloTj :jtM
k"/f x'g]5 .
-^_ k|Tofe"lt ;Def}tfsf] AofVofdf jf sfof{Gjogdf dtleGgtf ePdf jf ljjfb pTkGg ePdf b'a} kIfsf]
;xsfo{df ljjfb lg/f]k0f ul/g]5 . ;f] af6 laafb lg/f]k0fg ePdf ;a} kIfn] Ps÷Ps hgf
dWo:ystf{ lgo'Qm ug]{5g\ . o;/L lgo'Qm dWo:ystf{sf] cfk;L ;xdltdf d'Vo dWo:ystf{ (Principal
Arbitrator) sf] lgo'QmL u/Lg]5 / dWo:ystf{åf/f ul/Psf] lg0f{o b'a} kIfnfO{ DffGo x'g]5 .

24
u=!)=5=cfj]bg lb+bf Wofg lbg' kg]{ s'/fx? M
-s_ lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/,
lwtf]kqjfnfsf] clwsf/df kl/jt{g ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL ljj/0f M o;
ljj/0fkq cg';f/ lgisf;g ul/Psf z]o/sf] afF8kmfF8df k/]sf z]o/wgLx?sf] clwsf/ tyf
k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/, lwtf]kqjfnfsf] clwsf/df kl/jt{g
ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL Joj:yf k|rlnt sfg"g cg';f/ x'g]5 .
-v_ lgodfjnL, k|aGwkq k|fKt ug]{ jf x]g{ ;Sg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof
/ ;f] eGbf dfly lng] ePdf s'g u'0ffÍdf lng ;Sg] xf] ;f] ;DaGwL ljj/0f M
!= o; ;+ul7t ;+:yfsf] k|aGwkq tyf lgodfjnL sfof{no ;do leq sDkgLsf] /lhi68{ sfof{no
;nf{xL lhNnf, dn+ujf gu/kflnsf, j8f g+ !) jf lwtf]kq lgisfzg tyf laqmL k|aGws l;4fy{
Soflk6n lnld6]8, gf/fo0frf}/, gS;fn, sf7df08f}+df ;Dks{ /flv x]g{ jf k|fKt ug{ ;lsg]5 .
@= o; ljj/0fkq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/ vl/bsf nflu b/vf:t lbFbf b/vf:tjfnfn]
b/vf:t;fy cfkm'n] vl/b ug{ rfx]sf] ;fwf/0f z]o/ ;+Vofsf] k|lt ;fwf/0f z]o/ ?=!))÷—sf
b/n] x'g cfpg] Psd'i6 /sd lwtf]kq v/Lb -;fj{hlgs lgisfzg_ ;DalGw lgb]{lzsf, @)&# n]
u/]sf] Joj:yf adf]lhd g]kfn lwtf]kq af]8{af6 :jLs[lt k|fKt ;xefuL a}+s tyf ljlQo ;+:yfdf
/x]sf] cfkm\gf] vftfdf /f]Ssf /fvL cf:af k|0ffnL dfkm{t cfj]bg ug{ ;lsg]5 .
#= o; ljj/0fkq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/sf] nflu Go'gtd !) lsQf tyf ;f] n] efu
hfg] ;+Vofdf clwstd %,))) lsQfsf nflu cfj]bg lbg ;lsg] 5 .
-u_ cfj]bg lb+bf kfngf ug'{kg]{ zt{ aGb]hx? h:t} Ps eGbf a9L b/vf:t lbg gkfOg], nufgLstf{sf]
klxrfgsf] nflu gful/stf÷hGdbtf{sf] k|dfl0ft k|df0fkqsf] k|ltlnlk k]z ug'{kg]{ jf lwtf]kq bnfn
Joj;foLn] lbPsf] u|fxssf] kl/ro gDa/ / ;DalGwt Joj;foLsf] gfd v'nfpg'kg]{ / a}+s vftf
dfkm{t sf/f]af/ ul/g'kg]{ h:tf kIfx? M g]kfnL gful/sn] o; ljj/0fkq dfkm{t lgisfzg ul/g]
;fwf/0f z]o/ vl/bsf nflu cfj]bg lbFbf lgDg adf]lhdsf k|s[of tyf zt{x? k'/f u/]sf] x'g' kg]{5 M
!= lwtf]kq vl/b ug{sf nflu b/vf:t lbg rfxg]n] g]kfn lwtf]kq af]8{af6 cg'dlt lnO{ cf:jf
(ASBA) ;]jfdf ;xefuL a}s tyf ljQLo ;+:yfx?af6 cfj]bg lbg ;lsg]5 .
@= cfj]bsn] cfj]bg kmf/ddf tf]lsP adf]lhdsf ;Dk"0f{ ljj/0f e/L cfkm}n] b:tvt u/L a'emfpg'
kg]{5 .
#= b/vf:t lbFbf g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt cf:jf ;b:on] tf]s]sf] 9fFrfdf ælwtf]kq
lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$Æ sf] bkmf @$ df pNn]v eP adf]lhd b]xfosf
ljj/0fx? pNn]v u/L b/vf:t lbg' kg]{5 .
-s_ cfj]bssf] k'/f gfd -g]kfnL tyf c+u|hL b'a}df_,
-v_ cfj]bssf] afa', cfdf tyf afh]sf] gfd,
-u_ cfj]bs ljjflxt ePdf >Ldfg jf >LdtLsf] gfd,
-3_ cfj]bssf] :yfoL 7]ufgf,
-ª_ cfj]bssf] ;Dk{s 7]ufgf / 6]lnkmf]g jf df]afOn gDa/,
-r_ cfj]bssf] vftf /x]sf] a}+s jf ljQLo ;+:yfsf] gfd, 7]ufgf tyf vftf gDa/,
-5_ lwtf]kq cef}ltlss/0f ug]{ -l8Dof6 vftf gDa/_ clgjfo{ ?kdf v'nfpg' kg]{,
-h_ cfj]bsn] lng rfx]sf] z]o/ ;+Vof tyf ;f] afkt hDdf u/]sf] /sd,
-em_ cfj]bssf] x:tfIf/ -gfjfnssf] xsdf cleefjssf] x:tfIf/_
$= cfj]bg kmf/d a'emfpFbf b/vf:t kmf/ddf Go"gtd ?kdf v'Ng'kg]{ egL tf]lsPsf ljj/0fx? ;a}
:ki6 ?kdf e/]sf] b/vf:t kmf/d a'emfpg' kg]{5 .
%= Ps JolQmn] cfkm'n] lng rfx]sf] ;Dk"0f{ z]o/sf] nflu Psj6f dfq cfj]bg u/]sf] x'g' kg]{5 . olb
Ps} JolQmn] Ps eGbf a9L cfj]bg lbPsf] e]l6Pdf lghn] lbPsf] ;a} cfj]bgx?nfO{ /2 ul/g]5 .
^= ?= % nfv ;Dd /sd a/fa/sf] cfj]bg ug]{ b/vf:tjfnfn] :j]lR5s ?kdf Kofg (PAN No.)
gDa/ b/vf:t kmf/ddf v'nfpg' kg]{5 .
u=!!= ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M

25
 lgisfzgstf{ ;+ul7t ;+:yf / lgDg lnlvt kIf aLr ljut @ aif{sf] cjlwdf s'g} k|sf/sf] a:t'ut sf/f]jf/
ePsf] jf s'g} sf/f]jf/ ug{ k|:tfj ul/Psf] eP sf/f]jf/df ;+nUg AolQmx?sf] gfd, ltgLx?sf] ;+ul7t ;+:yf
;Fusf] ;DaGw, sf/f]af/sf] k|s[lt / /sd M
-s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfnssf] ?kdf /x]sf] AolQm M sf/f]af/ gePsf] .
-v_ cfwf/e"t z]o/wgL M sf/f]af/ gePsf] .
-u_ v08 -s_ / -v_ df pNn]lvt s'g} AolQmsf] Psf3/ kl/jf/sf] ;b:o M sf/f]af/ gePsf] .
-3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfns jf cfwf/e"t z]o/wgLn] #) k|ltzt jf ;f] eGbf a9L
dtflwsf/ x'g] u/L z]o/ :jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yf M ;f] gePsf] .
-ª_ ;+ul7t ;+:yf jf To;sf] ;xfos sDkgLn] xfnsf] ;+rfns jf gLhsf] Psf3/sf] kl/jf/sf] ;b:osf
nflu s'g} sf/f]jf/ jf ;Demf}tf u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # aif{ cufl8sf]
cjlwdf ;+:yfsf] ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]jf/ jf ;Demf}tf
u/]sf] eP ;f] s'/f M s'g} sf/f]jf/ jf ;Demf}tf u/]sf] 5}g .
-r_ s'g} ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP
pQm C0f ;DaGwL lj:t[t ljj/0f h:t} C0f afkt lnPsf] /sd, C0fsf] Aofhb/, C0f lnPsf] ldlt,
C0f e'QmfgL cjlw cflb s'/f ljj/0fkqdf v'nfpg' kg]{ M C0f sf/f]af/ u/]sf] 5}g .
u=!@= ljb]zL nufgL / Aoa:yfkg ;DaGwL ljj/0f M
ljb]zL nufgL / Aoa:yfkgdf ;+ul7t ;+:yf ;+rfng x'g] eP ;f] sf] ljj/0fsf ;fy} ;DalGwt ;Demf}tfsf]
d'Vo tyf tflTjs a'Fbfx? M sDkgLdf ljb]zL nufgL / ljb]zL Aoa:yfkgdf g/x]sf] .
u=!#= ;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf b]xfosf] ljj/0f pNn]v ug'{ kg]{ M
-s_ ;+ul7t ;+:yfsf] ljut # cfly{s aif{sf] k|To]s q}dfl;s cjlwsf] pRrtd, Go"gtd, clGtd ahf/
d"Nosf ;fy} sf/f]jf/ ePsf] z]o/ ;+VofM lgisfzgstf{ sDkgL ;"rLs[t ;+ul7t ;+:yf gePsf] .
-v_ af]8{df ljj/0fkq btf{sf] nflu k|:t't ug'{ eGbf ^ dlxgf cufl8sf] cjlwsf] dfl;s ?kdf pRr, Go"g
/ clGtd d"Nosf ;fy} k|To]s dlxgfdf sf/f]jf/ ePsf] s'n lbg / s'n sf/f]af/ ePsf] lwtf]kqsf]
;+Vof M gePsf] .
u=!$= kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M
;+ul7t ;+:yfn] o; eGbf cuf8L lwtf]kq lgisfzg ubf{ tof/ u/]sf] ljj/0fkq jf cGo ljj/0fx?df
pNn]vLt ul/Psf nIo tyf sfo{qmdx? tyf v'b d'gfkmf xfl;n ug{ ;s]÷g;s]sf], g;s]sf] cj:yfdf nIo
tyf sfo{qmdsf ;fy} ljj/0fkq jf cGo ljj/0fx?df k|If]lkt v'b d'gfkmf eGbf aL; k|ltzt jf ;f] eGbf
a9Ln] Go"g x'g uPsf] eP o;/L km/s kgf{sf] sf/0f M xfn ;Dd s'g} ;fj{hlgs lgisfzg gul/Psf] .
u=!%= k/fdz{bftf÷ laz]if1 ;DaGwL ljj/0f M
-s_ n]vfkl/Ifs, k|d'v a}+s, lgisfzg sfo{;Fu ;+nUg a}+s, k|If]lkt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft
ug]{ lj1 cflbsf] gfd tyf 7]ufgf M
c_ sDkgLsf] cf=j=@)&%÷&^ sf] cfDbfgL vr{ lx;fa tyf jf;nftsf] n]vfk/LIf0f la=s]=jfO{=
P08 P;f]l;P6\;sf rf6{8 Psfp06]G6 l;=P= ljgo s'df/ ofbjn] ug'{ePsf] 5 / cf=j=
@)&^÷)&& sf] n]vfkl/If0f nflusf nflu ;d]t la=s]=jfO{= P08 P;f]l;P6\; rf6{8 Psfp06]G6
l;=P= ljgo s'df/ ofbjnfO{ lgo'Qm ul/Psf] 5 .
cf_ o; lgisfzgsf] nflu k|d'v a}+ssf] Aoa:yf ul/Psf] 5}g .
O_ o; ljj/0fkq dfkm{t lgisfzLt ;fwf/0f z]o/x?sf] lgisfzg a}+s (Banker to the Issue) sf]
?kdf l;4fy{ a}+s lnld6]8, xflQ;f/, sf7df08f}+nfO{ tf]lsPsf] 5 .
O{_ o; ljj/0fkqdf pNn]v ul/P adf]lhd 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|If]k0fsf ljj/0f oyfy{k/s
/x]sf] egL k|dfl0ft ug]{ ljz]if1df >L cf/ s] P; P08 P;f]l;P6\;sf l;P >L /fh]z s'df/
zfx x'g'x'G5 .

26
 -v_ dfly v08 -s_ df pNn]lvt ;+:yf jf JolQm;Fu ePsf] ;xdltsf d'Vo d'Vo a'Fbf tyf zt{x? M ;f]
gePsf] .
u=!^= cfof]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisfzg afx]s cGo ljQLo >f]tx? k|of]u ul/Psf] 5÷5}g,
tT;DaGwL ljj/0f M ;f] gePsf] .
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] k|efj ;DaGwdf
Joj:yfkgsf] wf/0ff M ;f] gePsf] .
-v_ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;+rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL
ljj/0f M ;f] gePsf] .
-u_ ljut kfFr jif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;~rfns sfnf] ;"rLdf k/]sf] jf s'g} g}lts jf
cfly{s sf/0faf6 s'g} lgodg lgsfo jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;+:yfks÷;+rfnssf]
gfd / ;hfo ug]{ lgodg lgsfo jf cbfntsf] gfd pNn]v ug'{kg]{ M ;f] gePsf] .
-3_ ;+ul7t ;+:yf a}+s jf ljQLo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf],
lwtf]kqjfnfx?sf] s'g} /sd e'QmfgL gul/Psf] eP tT;DaGwL ljj/0fx? M ;f] gePsf] .
+u=!*= u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M
lgisflzt lwtf]kq ;DalGw nufgLstf{x?sf] u'gf;f] tyf ;'emfj ;'Gg tyf ;f] sf] ;dfwfgsf nflu lwtf]kq
lgisfzg tyf laqmL k|aGwssf] sfof{nodf Ps ljz]if sIfsf] Joj:yf ul/Psf] 5 . nufgL stf{x?n] b]xfosf]
dfWod dfkm{t cfˆgf] u'gf;f] tyf ;'emfjx? >L l/s]z >]i7nfO{ kmf]g g+=M)!$$@)(@$ dfkm{t ;Dks{ u/L
k|]lift ug{ ;Sg]5g\ .
u=!(= gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, v/Lb ul/Psf] ;DklQ
jf ;]jf ;DaGwL ljj/0f, lgisfzg ul/Psf] lwtf]kqsf] ;+Vof / b/ ;DaGwL ljj/0f M ;f] gePsf] .
u=@)= C0fkq lgisfzg ;DaGwL ljj/0f M xfn;Dd sDkgLn] C0fkq hf/L u/]sf] 5}g .
u=@!= cu|flwsf/ z]o/ lgisfzg ;DaGwL ljj/0f M ;f] gePsf] .
u=@@= cGo ;fdfGo hfgsf/L M
-s_ ljz]if1sf] s'g} /fo ePdf, ;f] sf] ljj/0f M ;f] gePsf] .
-v_ ut tLg cfly{s jif{ leqdf s'g} ;+rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f] sf] sf/0f M gePsf] .
-u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M ;n]dk'/ %, ;nf{xL lgjf;L PdP;;L, ljPn z}lIfs of]Uotf
xfl;n u/L, s[lif ljsf; a}+s lnld6]8df @* jif{ eGbf al9sf] sfo{ cg'ej ePsf >L lszf]/L dxtf] ,
k|d'v sfo{sf/L clws[t tyf o; ljQLo ;+:yfsf] sDkgL ;lrjsf] ?kdf sfo{/t /xg'ePsf] .
-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] $# k|ltzt n] x'g
cfpg] *^,))) lsQf z]o/ lgisfzg k|of]hgfy{ g]kfn lwtf]kq af]8{ ;dIf lgj]bg k]z ug]{ nufot
of] ;Fu ;DalGw cfjZos ;Dk"0f{ k|s[ofsf] nflu ldlt @)&^ df3 !) df a;]sf] ;+rfns ;ldltsf]
lg0f{o cg';f/ k|d'v sfo{sf/L clws[tnfO{ clVtof/L 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
gePsf] .
-r_ ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub
k|jfx ljj/0f k|fKt ug{ jf x]g{ ;Sg] 7fpF / ;do M
sfof{no ;doleq lgDglnlvt :yfgx?df sDkgLsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf]
jf;nft, gfkmf–gf]S;fg lx;fj tyf gub k|jfxsf] ljj/0f k|fKt ug{ jf lg/LIf0f ug{ ;lsg]5 .
!= sDkgLsf] /lhi68{ -s]Gb|Lo_ sfof{no, dn+ujf !), ;nf{xL .
27
 @= lwtf]kq lgisfzg tyf laqmL k|aGws >L l;4fy{ Soflk6n lnld6]8, gf/fo0frf}/, gS;fn,
sf7df08f} .
-5_ af]g; z]o/ ;DaGwL Joj:yf M
xfn;Dd af]g; z]o/ hf/L ul/Psf] 5}g . eljiodf k|rlnt P]g / g]kfn lwtf]kq af]8{sf] k|rlnt
af]g; z]o/ lgisfzg ;DaGwL Joj:yf cg';f/ af]g; z]o/ hf/L ug{ ;Sg]5 .
-h_ z]o/jfnf, sd{rf/L jf c? s;}sf] nflu z]o/ ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M
o; ljj/0fkqåf/f lgisfzg ul/Psf] k|lt ;fwf/0f z]o/ ?=!)).— clÍt d"No (Par Value) sf s'n
*^,))) lsQf ;fwf/0f z]o/ dWo] hf/L k"FhLsf] )=%Ü cyf{t !,))) lsQf ;fwf/0f z]o/x? ljQLo
;+:yfsf] ;]jfdf /x]sf sd{rf/Lx?sf nflu 5'6\ofP/ ;'/lIft /flvPsf] 5 / ;fy} s'n *^,))) lsQf
;fwf/0f z]o/ ;+Vofsf] %ÞÜ cyf{t $,#)) lsQf ;fwf/0f z]o/x? ;fd"lxs nufgL sf]ifsf] lglDt
5'6\ofP/ ;'/lIft /flvPsf] 5 . sd{rf/Lx?sf] nflu o;/L 5'6\ofOPsf] z]o/ sd{rf/Laf6 dfu eO{
cfPsf] xsdf ;~rfns ;ldltn] cf}lrTok"0f{ tj/af6 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_ sDkgLn] sDkgL P]gn] u/]sf] Joj:yfx?, cfˆgf] sf/f]af/;Fu ;DalGwt P]g, lgod tyf lgodg
Joj:yf k"0f{ kfngf u/]sf] ;DaGwdf u/]sf] pb\3f]if0f M
sDkgLn]] sDkgL P]g, @)^# n] u/]sf] Joj:yfx¿ cfkm"n] ug]{ Joj;fo;+u ;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 /lx sfo{ ul//x]sf] / o; ljj/0f–kqdf pNn]v ul/Psf] ljj/0fx¿ ;d]t
;f]xL cg'?k tof/ ul/Psf] xf] eGg] sDkgLsf] pb\3f]if0f /x]sf] 5 .
-`_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M
o; ljj/0fkq dfkm{t lgisflzt ;fwf/0f z]o/ laqmL ljt/0fsf nflu g]kfn lwtf]kq af]8{af6 cf:jf
;b:o k|fKt a}+s tyf ljQLo ;+:yfx?sf b]ze/L km}lnP/ /x]sf tf]lsPsf zfvfx? dfkm{t cfj]bg
lbg;Sg] Joj:yf /x]sf] 5 .
-6_ ljj/0fkq tof/ ug]{ JolQmsf] gfd, y/, z}lIfs of]Uotf / cg'ejsf] ljj/0f M
o; ljj/0fkq tof/ kfg]{ Joj;flos ;+:yfdf laqmL k|aGws l;4fy{ Soflk6n lnld6]8, gf/fo0frf}/,
gS;fn, sf7df08f}+ /x]sf]5 .
-7_ ;sf/fTds kIfx? M
 a}+lsË tyf ljQLo If]qdf cg'ejL tyf bIf Joj:yfksx?åf/f ;+rflnt .
 :yfkgfsf] 5f]6f] ;dod} u|fxs ;'xfpFbf] cfsif{s ;]jf tyf sfo{s|d ;fy} ljQLo ;+:yfsf] kl/sNkgf
cg'?k :yfgLo :t/df ;/n, ;'ne / ;xh 9+un] cfw'lgs tyf k|ljlwo'Qm a}+lsË k|0ffnLsf] ljsf;
ug{ ;s]sf] .
 cfly{s, /fhgLlts / k|ltiklw{ a}+lsË Aoj;fo ;'xf+pbf] /0fgLlt cjnDjg u/L Joj;fo lj:tf/
ug{ ;kmn /x]sf] .
-8_ z]o/ /lhi6«f/ ;DaGwL Joj:yf M
g]kfn :6s PS;r]Gh lnld6]8df ;"lrs/0f u/] kZrft\ z]o/sf] bflvn vf/]h, b:tvt ?h' cflb
;DaGwL sfo{ o; sDkgLsf] sfof{noaf6 jf sDkgLsf] ;+rfns ;ldltn] tf]s] adf]lhd z]o/
/lhi6«f/sf] sfof{noaf6 x'g] u/L Joj:yf ul/g]5 .
-9_ lwtf]kq laqmL v'Nnf cjlw M
o; ljj/0fkqåf/f lgisfzg ul/Psf] ;fwf/0f z]o/sf] nflu cfj]bg lbg] cjlw !% lbgsf] x'g]5 .
cfjZostf eGbf a9L ;fwf/0f z]o/sf] nflu cfj]bg kg{ cfPdf s'g} klg avt ;fwf/0f z]o/sf]
laqmL aGb ug{ ;lsg]5 t/ ljj/0fkqdf ul/Psf] Joj:yf cg';f/ s'g} klg xfntdf $ sfo{ lbgeGbf
cufl8 z]o/ v/Lbsf] cfj]bg lng] sfd aGb ul/g] 5}g .
-0f_ qm]l86 /]l6Ë ;DjGwL ljj/0f M
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 o; n3'ljQ ljQLo ;+:yfnfO{ lso/ /]l6Ë g]kfn lnld6]8n] "CARE-NP B+ (Is) [Single B Plus
(Issuer)] " /]l6Ë k|bfg u/]sf] 5 . (Issuers with this rating are considered to offer high risk of
default regarding timely servicing of financial obligations, in Nepal)
/]l6Ë k|bfg u/]sf] ldlt M h'NffO{ @$ @)@), /]l6Ë axfn /xg] cjlw M /]l6Ë k|bfg ul/Psf] ldltn] !
jif{
u=@#= o; ljj/0fkqdf k|sflzt tYo tyf ljj/0fx? 7Ls b'?:t 5g, ;f] df s'g} km/s k/]df xfdL ;+rfnsx? k"0f{
?kdf lhDd]jf/ x'g]5f}+ egL ;xL 5fk ug]{ ;+rfns tyf lj1x?sf] gfd tyf b:tvt .
qm=;= ;+rfnsx?sf] gfd kb b:tvt
!= >L lblnk s'df/ wf}e8]n cWoIf

@= >L xl/ gf/fo0f dxtf] ;~rfns

#= >L dx]z s'df/ k"j]{ ;~rfns

$= >L ;/f]h s'df/ dxtf] ;~rfns

%= >L ljgo /fh kf}8\ofn :jtGq ;~rfns

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u=@$ lgisfzg tyf laqmL k|aGwssf] k|:t't u/]sf] k|lta4tf kq -8\o' 8]lnh]G;\ ;l6{lkms]6_ sf] k|lt M

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

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