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

Ohfhtkqk|fKt

/fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8

/lhi68{ sfof{no M ;fFuf, ag]kf–!#, sfe]|knf~rf]s
kmf]g g+= M ((&–)!!^^))&#
Od]n M info@rulbsl.com.np j]a;fO6 M www.rulbsl.com.np
sf]
ljj/0fkq
-lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt_

sDkgLsf] hf/L k"FhL ?= @^,)),)),)))÷– sf] #@=^( k|ltztn] x'g cfpg] ?=*,%),)),)))÷– /sd a/fa/ k|lt z]o/ ?=!))÷–
c+lst b/sf *,%),))) lsQf ;fwf/0f z]o/ dWo] !#,))) lsQf z]o/ -hf/L k"FhLsf] )=% k|ltzt_ sd{rf/Lx?nfO{ / $@,%))
lsQf z]o/ -s'n lgisfzgsf] % k|ltzt_ ;fd'lxs nufgL sf]ifsf] nflu ;'/lIft u/L afFsL /xg] &,($,%)) lsQf ;fwf/0f z]o/x?sf]
k|f/lDes ;fj{hlgs lgisfzg .
g]6jy{ tyf cGo k|d'v ljQLo kl/;"rsx?M
jf:tljs -?= xhf/df_ k|If]lkt-?= xhf/df_**
ljj/0f
2075÷076 2076÷77 2077÷78 2078÷079 2079÷080 2080÷81
k|lt z]o/ g]6jy{ -?=_ 132.76 141.57 167.43 172.81 245.82 347.00
k|lt z]o/ cfDbfgL -?=_ 4.03 6.68 16.08 17.93 30.88 29.98
g]6jy{df k|ltkmn -Ü_ 5.36 9.46 26.92 30.98 75.90 104.04
;+lrt gfkmf÷-gf]S;fg_ 12,784 25,695 62,430 124,168 276,658 485,877
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]kqahf/df x'g] sf/f]jf/ d"No ghgfpg] x'Fbf o; ljj/0fkqsf] bkmf * df pNn]lvt
hf]lvdx? ;d]tsf] cWoog u/]/ dfq nufgL ;DaGwL lg0f{o lng ;'emfj ul/G5 .
lgodg lgsfosf] hjfkmb]xLtf g/xg] pb\3f]if0fM
o; ljj/0fkqdf pNn]lvt lwtf]kq ;fj{hlgs lgisfzgsfnflu tof/ ul/Psf] o; ljj/0fkqnfO{ lwtf]kq ;DaGwL P]g, @)^#
adf]lhd g]kfn lwtf]kq af]8{n] :jLs[lt k|bfg u/]sf] 5 . o;/L af]8{n] ljj/0fkqdf :jLs[lt k|bfg u/]sf] sf/0faf6 s;}n] klg
g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no jf ;Da4 cGo lgodg lgsfon] ljj/0fkqdf pNn]lvt s'/fsf] ;Totf jf
lgisfzgstf{sf] cfly{s ;Ifdtfsf] af/]df s'g} k|sf/sf] k|Tofe"\t u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g .
;+:yfks tyf ;~rfnsx? / ;+:yfks z]o/wgLx?sf Psf3/sf] ;b:on] o; ljj/0fkq dfkm{t lgisfzg ul/g] k|fylds ;fj{hlgs
lgisfzgdf cfj]bg lbg kfpg] 5}gg\ .
qm]l86 /]l6Ë ;DaGwL
o; ljj/0fkq cg';f/ ;j{;fwf/0fx?df lgisfzg ul/g] ;fwf/0f z]o/sf] nflu æqm]l86 /]l6Ë lgodfjnL, @)^*Æ sf] lgod # df ePsf]
Joj:yf adf]lhd g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt qm]l86 /]l6Ë ;+:yf O{qmf g]kfn ln=, l8NnLahf/, sf7df08f}+af6 qm]l86 /]l6Ë u/fO{
æo; /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8nfO{ ldlt @)&*÷)#÷)& df æ;dodf ljQLo bfloTj k'/f ug{ ;Sg] ;DaGwdf dWod hf]lvd
/xg]"-Moderate Risk of Default regarding timely servicing of financial obligations)[ICRANP-IR] BB Pronounced as ICRA NP Issuer Rating
Double B ]Æ k|bfg u/]sf] 5 . pQm /]l6Ësf] cjlw hf/L ldltaf6 Ps jif{ cyf{t @)&(÷)#÷)^ ;Dd /xg]5 . O{qmf g]kfn ln= n] [ICRANP-
IR] AAAb]lv [ICRANP-IR] D;Ddsf] /]l6Ë k|bfg ub{5 h;df u|]8 [ICRANP-IR] AAAn]ljQLo bfloTj jxg ug]{ Ifdtfdf ;a}eGbf
sd hf]lvd cyf{t\ pRr ;'/lIft /x]sf] cfwf/ hgfp+5 / [ICRANP-IR] D n] ljQLo bfloTj jxg ug]{ Ifdtfdf ;a}eGbf a9L hf]lvd /x]sf]
hgfp+b5 . /]l6Ë ;+s]t k5fl8 /xg]+ -hf]8_ jf – -36fp_ lrGxn] ;DaGwLt /]l6Ë ju{ leqsf] t'ngfTds :yLtLnfO{ hgfpFb5 . o;sf] cy{
[ICRANP -IR] BB sf] l:ytL [ICRANP -IR] BB- eGbf Ps lrGx dfly /xG5 .

g]kfn lwtf]kq af]8{af6 ljj/0f :jLs[t ePsf] ldlt M @)&*÷!)÷)( lgisfzg v'Nnf x'g] ldlt M @)&*÷!!÷)$
sDkgL /lhi6«f/sf] sfof{nodf ljj/0fbtf{ ePsf] ldlt M @)&*÷!)÷!# lgisfzg aGb x'g] ldlt-l56f]df_ M@)&*÷!!÷)*
g]kfn /fi6« a}+sdf ljj/0f btf{ ePsf] ldlt M @)&*÷!)÷!! lgisfzg aGb x'g] ldlt -l9nf]df_ M@)&*÷!!÷!*
lwtf]kq lgisfzg tyf laqmL k|aGws
v=!=ljj/0fkqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiffM
-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] PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f} ;Demg'
kb{5 .
-u_ æ;+ul7t ;+:yf÷sDkgLÆ eGgfn] lgisfzgstf{ sDkgL /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 ;Demg' kb{5 .
-3_ æn3'ljQ ljQLo ;+:yf ÆeGgfn] a}+s tyf ljQLo ;+:yf ;DjlGw P]g @)&^ sf] bkmf $( sf] pkbkmf -$_ adf]lhdsf]
a}+lsË tyf ljQLo sf/f]af/ ug{ ;+:yfkgf ePsf] ;+ul7t ;+:yf ;Demg' k5{ .
-ª_ æv'b ;DklQ -g]6 jy{_Æ eGgfn] n3'ljQ ljQLo ;+:yfsf] jf;nftdf /xg] ;DklQsf] s'n hf]8df jfx\o bfloTjnfO{ 36fO{
sfod x'g cfpg] /sd ;Demg' k5{ .
-r_ æk|lt z]o/ cfDbfgLÆ eGgfn] n3'ljQ ljQLo ;+:yfsf] cfDbfgLnfO{ pQm ;+:yfsf] hf/L z]o/n] efu ubf{cfpg] efukmn
;Demg' k5{ .
-5_ æ;+sng s]Gb|Æ eGgfn]] g]kfn lwtf]kq af]8{af6 lwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&# adf]lhd
lwtf]kqsf] b/vf:t ;+sng ug{ cg'dlt k|fKt a}+s tyf ljQLo ;+:yfx? / ltgsf zfvf sfof{nox? ;Demg' kb{5 .
-h_ ælgisfzg a}+sÆ eGgfn] lgisfzg tyf laqmL k|aGws;Fu ;Demf}tf u/L lwtf]kq lgisfzgsf] qmddf cfj]bsaf6 k|fKt
x'g] /sd hDdf ug{ lhDd]jf/L lng] afl0fHo a}+s tyf /fli6«o :t/sf] ljsf; a}+s ;Demg' kb{5 .
-em_ ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no, g]kfn /fi6« a}+snfO{ ;Demg' kb{5 .
-`_ æ;+:yfks, ;~rfns, sfo{sf/L k|d'v tyf Aoa:yfkgÆ eGgfn] /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8sf] ;+:yfks,
;~rfns, sfo{sf/L k|d'v tyf Aoa:yfkg ;Demg' kb{5 .
-6_ æaf]8{Æ eGgfn] g]kfn lwtf]kq af]8{nfO{ ;Demg' kb{5 .
-7_ æljQLo 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;Fu ;DalGwt l6Kk0fLx? ;d]t hgfp+b5 .
v=@=ljj/0fkq tyf b/vf:t k|fKt ug]{ / a'emfpg] :yfg M
l;=g+= ljj/0f kqx]g{ tyfk|fKt ug{ ;lsg] :yfg M
!= PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}+ / j]a;fO6 M www.niblcapital.com
@= /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8,;fFuf, ag]kf !#, sfe|]knf~rf]s, j]a;fO6M www.rulbsl.com.np

;fy} >L g]kfn lwtf]kq af]8{sf] website: www.sebon.gov.npaf6 Downloadu/]/ klg k|fKt ug{ ;lsg]5 .
l;=g+= b/vf:tkmf/d k|fKt ug]{ / a'emfpg] :yfg M
!= g]kfn lwtf]kq af]8{af6 :jLs[lt k|fKt u/]sf ;Dk"0f{ cf:jf (ASBA);b:o a}+s tyf ljQLo ;+:yfx? / ltgsf
tf]lsPsf zfvf sfof{nox? .

2
u=!=lwtf]kq lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M

xfdLnfO{ lgisfzgstf{ ;+ul7t ;+:yf tyf o;sf ;+:yfks÷;+rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf]
cfwf/df o; ;+:yfsf] Joa:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf] ;fy}
ljj/0fkqdf n]lvPsf cfly{s ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;xL b]lvPsf]n] nufgLstf{x?nfO{ nufgL ;DaGwL
lg0f{o lng d2t k'Ug] s'/f k|lt ljZj:teO{ xfdLn] of] ljj/0fkq :jLs[tLsf nflu g]kfn lwtf]kq af]8{df ælwtf]kq ;DaGwL
P]g @)^#Æ tyf ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#Æ cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq (Due Diligence
Certificate) k|:t't u/]sf 5f}+ .

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

u=@=s=;+rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL 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'4tfk|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]
;+u ;DalGwt cGo ljj/0f tyf hfgsf/Lx?sf] z'4tf tyf ;Totf k|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 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] hjfkm b]lxtf ;DaGwL M

o; /fi6« pTyfg 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/0fx? 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 M

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

u=@=3=;+:yfks, ;+rfns tyf k|jGw ;+rfns ;DaGwL pb\3f]if0f M

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

3
 u=#= ;+ul7t ;+:yf ;DaGwLhfgsf/L M
u=#=s= ;+ul7t ;+:yfsf] k[i7e"ld M
-!_ ;+:yfsf] gfd M /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 (Rastra Utthan Laghubitta Bittiya Sanstha
Limited)
-@_ ;+:yfs'g P]g cGtu{t :yflkt ePsf] ;f] s'/f M sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g,@)&# cGtu{t
:yflkt .
-#_ ;+:yfsf] /lhi68{ 7]ufgf M o; ljQLo ;+:yfsf] /lhi68{ -s]lGb|o_ sfof{no sfe|]knf~rf]s lhNnf ag]kf gu/kflnsf j8f g+
!# ;fFufdf /x]sf] 5 .
-$_sf/f]jf/ ug]{ d'Vo :yfg M o; ljQLo ;+:yfsf] sfo{If]q g]kfn e/ x'g]5 . g]kfn /fi6« a}+ssf] :jLs[lt lnO{ cfjZostf
cg';f/ g]kfne/ zfvf, pkzfvf jf cGo sfof{no vf]nL ljQLo sf/f]af/ ug{ ;lsg]5 . ldlt @)&* ;fn df3 (
ut];Dd o; ljQLo ;+:yfn] lgDg sfof{nox? vf]nL sf/f]af/ ;+rfng u/L /x]sf] 5 .
qm=;+ ;+:yfsf] gfd zfvfsf] gfd 7]ufgf k|b]z
lhtk'/l;d/f p=d=g=kf= –!*,
1 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 dgxjf{ zfvf sfof{no 2
af/f
2 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 sn}of zfvf sfof{no sn}of p=d=g=kf= –!, af/f 2
3 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 k/jflgk'/ zfvf sfof{no lj/u+h d=g=kf=–@!, k;f{ 2
4 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 l;d/f zfvf sfof{no lhtk'/l;d/f p=d=g=kf= –!, af/f 2
5 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 x]6f}8f zfvf sfof{no x]6f}8f p=d=g=kf=–$, dsjfgk'/ 3
6 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 xgf{df8L zfvf sfof{no x]6f}8f p=d=g=kf=–!^, dsjfgk'/ 3
7 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 lghu9 zfvf sfof{no lghu9 g=kf= –@, af/f 2
8 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 lj/u+h zfvf sfof{no lj/u+h d=g=kf=–*, k;f{ 2
9 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 kmlk{ª zfvf sfof{no blIf0fsfnL g=kf= –%, sf7df8f}+ 3
l8NnLahf/ zfvf
10 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 sf7df8f}+ d=g=kf= –@(, sf7df8f}+ 3
sfof{no
11 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 uf]s0f]{Zj/ zfvf sfof{no uf]s0f]{Zj/ g=kf= –%, sf7df8f}+ 3
12 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 sf]NxjL zfvf sfof{no sf]NxjL g=kf= –!, af/f 2
13 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 :o"rf6f/ zfvf sfof{no gfufh{'g g=kf= –(, sf7df8f}+ 3
14 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 dgd}+h' zfvf sfof{no tf/s]Zj/ g=kf= –!), sf7df8f}+ 3
15 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 al/of/k'/ zfvf sfof{no dxfu9LdfO{ g=kf= –!, af/f 2
16 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 l;d/f}+gu9 zfvf sfof{no l;d/f}+gu9 g=kf= –&, af/f 2
17 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 lj?jfu'7L zfvf sfof{no k;f{u9L g=kf= –#, k;f{ 2
18 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 kf]vl/of zfvf sfof{no kf]vl/of g=kf= –$, k;f{ 2
19 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 uf]7f6f/ zfvf sfof{no sfu]Zj/L g=kf= –&, sf7df8f}+ 3
20 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 ;'j0f{k'/ zfvf sfof{no 7f]/L uf=kf= –%, k;f{ 2
21 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 kmfk/jf/L zfvf sfof{no jfUdtL uf=kf=–*, dsjfgk'/ 3
22 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 ag]]kf zfvf sfof{no jg]kf g=kf=–*, sfe|]knfGrf]s 3
23 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 alb{jf; zfvf sfof{no alb{jf; g=kf=–!, dxf]Q/L 2
l;Gw'nLdf8L zfvf
24 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 sdnfdfO{ g=kf=–^, l;Gw'nL 3
sfof{no
25 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 a/xyjf zfvf sfof{no a/xyjf g=kf=–&, ;nf{xL 2
26 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 u?8f, zfvf sfof{no u?8f g=kf=–$, /f}tx6 2
;v' jfdx] Gb| g u/ zfvf
27 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 lIf/]Zj/gfy g=kf=–%, wg'iff 2
sfof{no
28 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 sNof0fk'/ zfvf sfof{no v8\s g=kf=–^, ;Kt/L 2
29 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 ldr}{of zfvf sfof{no ldr}{of g=kf=–^, l;/xf 2
30 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 x/}+rf zfvf sfof{no ;'Gb/x/}+rf g=kf=–!, df]/ª 1
31 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 v}/xgL zfvf sfof{no v}/xgL g=kf=–*, lrtjg 3
32 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 nf}sxL zfvf sfof{no sf]zL uf=kf=–!, ;'g;/L 1
33 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 kf8fh+'uL zfvf sfof{no sdn uf=kf=–%, emfkf 1
34 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 ljb'/ zfvf sfof{no ljb'/ g=kf=–@, g'jfsf]6 3
35 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 uN5L zfvf sfof{no uN5L uf=kf=–*, wflbª 3
36 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 sfjf;f]tL zfvf sfof{no sfjf;f]tL g=kf=–#, gjnk'/ 4
37 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 ab{3f6 zfvf sfof{no ab{3f6 g=kf=–$, k/f;L 5

4
38 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 a'6jn zfvf sfof{no a'6jn p=d=g=kf=–*, ?kGb]xL 5
39 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 rGb|f}6f zfvf sfof{no lzj/fh g=kf=–%, slknj:t' 5
40 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 3f]/fxL zfvf sfof{no 3f]/fxL p=d=g=kf=–!%, bfª 5
41 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 vh'/f zfvf sfof{no vh'/f uf=kf=–&, af+s] 5
42 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 nDsL zfvf sfof{no nDsL r'xf g=kf=–!, s}nfnL 7
43 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 gjnk'/ zfvf sfof{no nfnjGbL g=kf=–!, ;nf{xL 2
44 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 lji0f'k'/ zfvf sfof{no lji0f'k'/ uf=kf=–!, l;/xf 2
6+sLl;gjf/L zfvf
45 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 a'9Lu+uf uf=kf=–@, df]/ª 1
sfof{no
46 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 xNbLjf/L zfvf sfof{no xNbLjf/L uf=kf=–$, emfkf 1
47 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 l5Gr' zfvf sfof{no e]/Lu+uf g=kf=–!@, ;'v]{t 6
48 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 af+;u9L zfvf sfof{no af+;u9L g=kf=–%, alb{of 5
49 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 s6x/L zfvf sfof{no s6x/L uf=kf=–@, df]/ª 1
50 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 rf/cfnL zfvf sfof{no d]rLgu/ g=kf=–!#, emfkf 1
51 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 ehgL zfvf sfof{no ehgL g=kf=–!, s}nfnL 7
52 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 b}hL zfvf sfof{no j]bsf]6 g=kf=–!), sGrgk'/ 7
53 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 xl/gu/f zfvf sfof{no xl/gu/f uf=kf=–$, ;'g;/L 1
54 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 sf}8]gf zfvf sfof{no sf}8]gf uf=kf=–#, ;nf{xL 2
xg'dfggu/ zfvf xg'dfgu/ s+sflngL g=kf=–
55 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 2
sfof{no (,;Kt/L
56 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 em'Dsf zfvf sfof{no /fdw'gL g=kf=–%, ;'g;/L 1
57 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 ky/L zfvf sfof{no ky/L zlgZr/] g=kf=–!, df]/ª 1
58 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 s6f/L zfvf sfof{no s6f/L g=kf=–$, pbok''/ 1
lj/]Gb|ahf/ zfvf
59 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 u0f]zdfg g=kf=–$, wg'iff 2
sfof{no
60 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 cf]d;ltof zfvf sfof{no cf]d;ltof uf=kf=–!, ?kGb]xL 5
61 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 tf}lnxjf zfvf sfof{no slknj:t' g=kf=–!, slknj:t' 5
62 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 ;f}7f zfvf sfof{no /t'jfdfO{ g=kf=–^, df]/ª 1
63 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 u+uflkk/f zfvf sfof{no b'uf{ejfgL uf= kf=– !, /f}tx6 2
64 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 uf}zfnf zfvf sfof{no uf}zfnf g=kf=–%, dxf]Q/L 2
cf]/fnLahf/ zfvf
65 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 dw'jg g=kf=–@, alb{of 5
sfof{no
66 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 aonjf; zfvf sfof{no O{Zj/k'/ g=kf=–^, ;nf{xL 2
67 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 sDbL zfvf sfof{no 8'8'jf uf=kf=–%, af+s] 5
68 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 kmQ]k'/ zfvf sfof{no ;Ktsf]zL g=kf=–!, ;Kt/L 2
69 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 ;v'jfg zfvf sfof{no ;v'jfgg\s/s§L uf=kf=–!, l;/xf 2
70 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 ef/b]j zfvf sfof{no sf]GHof];f]d uf=kf=–%, nlntk'/ 3
71 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 d;'l/of zfvf sfof{no /fKtL uf=kf=–#, bf+u 5
72 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 ;Q]/emf]/f zfvf sfof{no u9L uf=kf=–^, ;'g;/L 1
73 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 l;?6f/ zfvf sfof{no ;"o{ljgfos g=kf=–! eQmk'/ 3
74 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 uf]6Lv]n zfvf sfof{no dxfsf+n uf=kf=–#, nlntk'/ 3
75 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 hgsk'/ zfvf sfof{no hgsk'/wfd p=d=g=kf=–!, wg'iff 2
/fgL–lj/f6gu/ zfvf
76 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 lj/f6gu/ d=g=kf=–!%, df]/ª 1
sfof{no
77 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 e§]]8f+8f zfvf sfof{no jfUdtL uf=kf=–#, nlntk'/ 3
78 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 :ju{4f/L zfvf sfof{no :ju{4f/L g=kf=–#, Ko'7fg 5
79 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 u9jf zfvf sfof{no u9jf uf=kf=–$, bf+u 5
80 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 cf+j'v}/]gL zfvf sfof{no cf+j'v}|/]gL uf=kf=–$, tgx' 4
81 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 k'sf]{6 zfvf sfof{no efg' g=kf=–*, tgx' 4
82 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 plbk'/ zfvf sfof{no a]+lz;x/ g=kf=–!, ndh'ª 4
83 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 ;"o{kfn zfvf sfof{no dWo]g]kfn g=kf=–#, ndh'ª 4
84 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 RofªnL zfvf sfof{no kfn'ª6f/ g=kf=–&, uf]/vf 4
85 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 Sofldg zfvf sfof{no Jof; g=kf=–&, tgx' 4

5
86 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 sf]kjf zfvf sfof{no af}lwdfO{ g=kf==–%, /f}tx6 2
87 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 t'lN;k'/ zfvf sfof{no t'lN;k'/ p=d= g=kf=–&, bfª 5
88 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 lkmSsn zfvf sfof{no ;'of]{bo g=kf=–!), O{nfd 1
89 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 O{Gb|fjtL zfvf sfof{no d]nlDr g=kf=–!#, l;Gw'kfNrf]s 3
90 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 w/fg zfvf sfof{no w/fg pk–dxf g=kf=–!#, ;'g;/L 1
91 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 a}u'gw'/f zfvf sfof{no uf}/fbx g=kf=–(, emfkf 1
92 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 aNdL zfvf sfof{no uf]bfj/L g=kf=–(, s}nfnL 7
93 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 9sf/L zfvf sfof{no 9sf/L uf=kf=–^, c5fd 7
94 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 s'lk08] zfvf sfof{no aguf8 s'lk08] g=kf=–&, ;Nofg 6
kf]v/f dxfgu/kflnsf=–!$,
95 /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 kf]v/f zfvf sfof{no 4
sf:sL

-%_ ;+ul7t ;+:yfsf] :yfkgfsfnb]lv xfn;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf] d'Vo p2]Zox?M
/fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8 @)&%÷)^÷!$ ut] sDkgL /lhi6«f/sf] sfof{nodf klAns lnld6]8 sDkgLsf]
¿kdf btf{ ePsf] xf] . o; sDkgLn] ldlt @)&%÷!)÷!^ ut] æ3Æ ju{sf] ljQLo ;+:yfsf] ¿kdf /fli6«o:t/ sfo{If]q
/xg] u/L ljQLo sf/f]jf/ ug{ g]kfn /fi6« a}+saf6 O{hfhtkq k|fKt u/L ldlt @)&%÷!!÷* ut]b]lv cf}krfl/s ?kn]
ljQLo sf/f]jf/ z'ef/De ePsf] xf] . o; n3'ljQ ljQLo ;+:yfn] Go"g cfo ePsf jf ljkGg ju{sf nlIft u|fxs
;b:ox?nfO{ n3'shf{ k|jfx ub}{ cfPsf] 5 . xfn o; sDkgLsf] #^ lhNnfdf /x]sf ** j6f zfvf sfof{no dfkm{t
@,@),@^% kl/jf/x? k|ToIf ?kdf nfeflGjt ePsf 5g\ . o; sDkgLsf ;+:yfks tyf ;~rfnsx?df ljQLo If]q,
;/sf/L, u}/ ;/sf/L, z}lIfs If]q, s[lif, 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/sf] sfof{nosf] ldlt @)&*÷)#÷!% sf] kqfg';f/ cf=j= @)&^÷)&&
;Dd o; ljQLo ;+:yf sDkgL /lhi6«f/sf] sfof{nodf cBfjlws /x]sf] 5 .

sDkgLsf] k|aGwkqsf] bkmf $ tyf lgodfjnLsf] lgod $ df pNn]v ul/P adf]lhd g]kfn /fi6«« a+}s P]g, @)%* tyf
a+}s tyf ljQLo ;++:yf ;DaGwL P]g, @)&#, sDkgL sfg"g tyf cGo k|rlnt sfg"gsf] cwLgdf /xL ljQLo sf/f]jf/ ug]{
o; n3'ljQ ljQLo ;+:yfsf] d'Vo p2]Zox? b]xfo adf]lhd /x]sf] 5 M
-s_ ljQLo ;+:yfsf] lgIf]ktf{sf] xs lxtsf] ;+/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 Pjd\ pTkfbsTj j[l4sf nflu cfjZos ljQLo ;fwg cfGtl/s tyf afXo >f]taf6
h'6fO{ b]zsf] cf}Bf]lus, Jofkfl/s Pj+ s[lif If]qsf] ljsf;df ultlzntf Nofpg ;xof]u k'¥ofpg] .
-u_ pknAw zLk, >d tyf k"FhLnfO{ plrt ?kdf kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg Pjd\
/f]huf/Ld"ns Joj;fosf] :yfkgf, ;~rfng, ljsf;, lj:tf/ Pjd\ k|aw{g ug]{ / ;f] sfo{sf] nflu cfjZos
ljQLo ;fwg, k|fljlws tyf Joj:yfksLo k/fdz{ ;]jf, tflnd tyf k|ljlw pknAw u/fO{ ul/aL lgjf/0fsf
nflu ;lqmo ?kdf ;+nUg eO{ ;xof]u k'¥ofpg] .
-3_ ljQLo ;]jfdf hf]lvd sd ub}{ ljQLo If]qsf] pbf/Ls/0fdf d2t k'¥ofO{ / b]zsf] cy{tGqnfO{ ;an tyf
;'b[9 agfpg ;xof]u k'¥ofpg] /
-ª_ b]zsf] ;du| ljQLo k|0ffnLk|lt ;j{;fwf/0fsf] ljZjf;gLotf clej[l4 ug{ ;xof]u k'¥ofpg] .

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

-&_ b]xfosf s'/fx? ;d]t pNn]v ug'{kg]{ -nfu' x'g] xb;Dd_ M

-!_ ;+ul7t ;++:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx?
ljQLo ;+:yfn] k|bfg ug]{ d'Vo ;]jfx?df u|fxs ;b:ox?af6 lgIf]k -art_ ;+sng, ;b:ox?nfO{ n3'shf{ k|jfx /
ljk|]if0f e'QmfgL ;]jf tyf ;b:ox?nfO{ cfjZos kg]{ ;]jf tyf k/fdz{ k|bfg ug]{ /x]sf] 5 .
-@_ k|of]u ePsf] jf ul/g] k|ljlw M
ljQLo ;+:yf ;]jf k|bfos sDkgL ePsf]n] dfly v08 -!_ df pNn]lvt ;]jf k|bfg ug{ cfjZos k|ljlw ;DkGg /x]sf]
5
-#_ 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
6
 g]kfn /fi6« a}+saf6 @)&%÷!)÷!^ ut] /fli6«o:t/ sfo{If]q ePsf] ljQLo ;+:yfsf] ¿kdf ljQLo sf/f]jf/ ug{
Ohfhtkq k|fKt u/L ldlt @)&%÷!!÷)* ut]b]lv o; ljQLo ;+:yfn] cfˆgf] ljQLo sf/f]jf/ ;~rfng ub}{ cfPsf]
5 . o; ;+:yfn] cfˆgf] sfo{If]q leqdf b'/b/fhsf a:tLx?sf cfly{s / ;fdflhs ?kdf kl5 k/]sf dlxnfx?nfO{
ljQLo ;]jf k|bfg ul/Psf] 5 .xfn o; sDkgLsf #^ lhNnfdf /x]sf ** j6f zfvf sfof{no dfkm{t @,@),)))
eGbf a9L k|ToIf ?kdf nfeflGjt ePsf 5g\ .

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

u|fxsx?sf] dfu tyf g]kfn /fi6« a}+ssf] gLlt cg';f/ ;do ;fk]If ?kdf gofF gofF u|fxsd"lv ;]jfsf] klxrfg tyf
ljsf; u/L ;f]xL cg'?k cfˆgf] Joj;foLs sfo{of]hgf tof/ u/L cfˆgf] sfo{If]q leq zfvf sfof{nox?sf] lj:tf/
u/L u|fxsx?nfO{ ;'ne tl/sfn] ;]jf k|bfg ug]{ of]hgf /x]sf] 5 .
-^_ pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M
ljQLo ;+:yfsf] k|d'v ahf/ g]kfn clw/fHoe/ /x]sf] 5 . ljQLo ;+:yfn] b]zsf ljleGg :yfgdf zfvf sfof{nox?
;~rfngdf NofO{ Go"g ju{sf] u|fxsx?nfO{ ;d"xsf] dfWodaf6 shf{ k|bfg ug]{ tyf ;d"xsf] dfWodaf6 g} lghx?af6
JolQmut tyf ;fd"lxs art ;+sng ;d]t ug]{ sfo{ ub{5 .
-&_ pTkfbg÷ ;~rfng Ifdtf / ;f]sf] pkef]u l:ylt M
a}+s tyf ljQLo ;+:yfdf, z}lIfs nfdf] cg'ej xfl;n ug{' ePsf ;~rfns÷Joj:yfkg bIftfsf] cfwf/df o;
sDkgLn] :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
/ ;Ifd /x]sf] b]lvG5 . ljQLo ;+:yfsf @(& hgf lkmN8:t/sf sd{rf/Lx?n] $$,))) eGbf a9L u|fxsx?nfO{ 3/
b}nf] sfo{qmd dfkm{t plrt u|fxs klxrfg u/L ljz]ift s[lif, Jofkf/ / Joj;fo ug{ rfxg] /fd|f] ljkGg au{sf
JolQmx?nfO{ ;/n Pj+ ;'ne ljQLo ;]jf k'–ofPsf] 5 .
-*_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M
;f] gePsf] .
-(_ u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf M
a}+s tyf ljQLo ;+:yf, z}lIfs If]q, ;/sf/L ;]jf pBf]u Pjd\ Jofkf/ If]qdf nfdf] cg'ej xfl;n ug{' ePsf
;~rfns÷Joj:yfkg ePsfn] u|fxsx?nfO{ cfjZostf cg'?k u'0f:t/Lo ;]jf tyf ;'ljwf k|bfg ug{sf nflu k|lta4
/x]sf 5g\ . u|fxsx?nfO{ k|bfg ub}{ cfO{/x]sf] ;]jfdf ;Gt'li6 5÷5}g eGg] af/]df ;do ;dodf cg'udg tyf
lg/LIf0f klg ub}{ cfO/x]sf] 5 . ljQLo ;+:yfdf ;+rfns :tl/o hf]lvd Joj:yfkg ;ldlt /x]sf] / ;f]xL ;ldltn]
q}dfl;s ?kdf hf]lvdsf] n]vfhf]vf ug]{ u/]sf] 5 . o; ;DaGwdf Joj:yfkgn] nufgL ePsf] shf{sf] k|efjsf/L
?kdf ;b'kof]lutf hf+r tyf hf]lvd cf}+NofO{ tTsfn cfjZos sf/afxL ug]{ u/]sf] 5 .
-!)_ cg';Gwfg tyf ljsf; M
g]kfnsf] n3'ljQ If]qdf k|lt:kwf{Tds l:ylt /x]sf] cfhsf] k[i7e"lddf sDkgLn] cg';Gwfg tyf ljsf;nfO{
k|fyldstfdf /fv]sf] 5 . h;n] gofF ;]jfx?sf] ljsf; dfq geO{ xfn k|bfg ul/Psf ;]jfx?df ;do ;fk]If ?kdf
cfjZos kl/dfh{gx? ug]{ tyf gofF ;]jfx?sf] pko'Qmtfsf ;DaGwdf Joj:yfkgnfO{ ;'emfj pknAw u/fpg] sfo{
ub{5 . ;fy},sDkgLn] u|fxs ju{df gofF lgIf]ksf of]hgfx?, u|fxsd'vL ;/n shf{ ;'ljwf / ljZj;gLo gofF k|ljlwsf]
k|of]u u/L cfˆgf u|fxsx?nfO{ k|lt:kwf{Tds Pj+ u'0f:t/Lo ;]jf k|bfg ug]{ nIo /fv]sf] 5 .
-!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;~rfngdf c;/ kg]{ u/L ePsf] jfwf, Jojwfg M
ljut !@ dlxgfsf] cjlwdf ljZjJofkL dxfdf/Lsf] ?kdf km}lnPsf] sf]le8 !( af6 ;[lht aGbfaGbLsf] sf/0f
;+:yfsf s]xL zfvfx? ;~rfngdf sl7gfO{ ePsf] / shf{ c;"nLdf s]xL k|efj k/]tfkgL Joj:yfkgsf] b'/blz{tf
/ lg/Gt/ k|of; dfkm{t hf]lvd Go"lgs/0f ug{ ;kmn ePsf] 5 .
-!@_ dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP, ;f] ;DaGwL ljj/0f M
;f] gePsf] .
-!#_ ahf/, k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M
n3'ljQ ljQLo ;+:yfsf] ?kdf g]kfn /fi6« a}+saf6 Ohfht k|fKt u/]sf] sl/a # jif{ cjlwsf] ljQLo ;+:yf ePtfklg
n3'ljQ ;+:yf x'g'k"j{ g]kfn u|fdL0f ljsf; ;+:yfsf] gfdaf6 ljut nfdf] ;dob]lv o; ;+:yfn] n3'ljQ ;DaGwL
;]jf ;~rfng ul//fv]sf] x'gfn] o; If]qdf ;~rflnt cGo ;dfg ljQLo ;+:yfx? aLr o; sDkgLsf] cfˆgf] l:ylt
cToGt} dha't /x]sf] 5 . cf=j= @)&^÷)&& ;Ddsf] cjlwdf ?= @ s/f]8 && nfv ;~rfng d'gfkmf /x]sf]df
sDkgLn] cf=j= @)&&÷)&* df?= &s/f]8 #* nfv ;~rfng d'gfkmf u/L ?= $ s/f]8 &! nfv v'b gfkmfdf /x]sf]
5 . o; sDkgLdf ;b:od}qL ljleGg lsl;dsf art of]hgfx? tyf ljleGg k|sf/sf shf{ ;fk6sf sfo{qmdx?
/x]sf 5g\ h'g u|fxs ;b:ox?sf] ljleGg k|sf/sf] rfxgf / cfjZostf kl/k"tL{sfnflu ;Ifd / kof{Kt /x]sf 5g\
. o; k|sf/ ;dfg n3'laQ ljQLo ;+:yfx?aLr o; ljQLo ;+:yfsf] l:ylt dha'tsf ;fy} cToGt ;an /x]sf] 5
. ;fy} @)&* cfiff9 d;fGt ;Dddf ;dfg pBf]ux? aLr o; ;+:yfsf] ahf/ lx:;f shf{ nufgL tkm{ )=&@ k|ltzt
/ lgIf]k tkm{ )=$( k|ltzt /x]sf] 5 .

7
 -!$_ 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] tt\ ;DaGwL ljj/0f_ M
;f] gePsf] .
-!%_ k|d'v ;Knfo;{x?sf] ljj/0f -h:t}– ;+:yfsf] s"n sf/f]af/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug]{ ;Knfo;{ jf
Joj;fosf] nflu ;+ul7t ;+:yf s'g} k|d'v ;Knfo;{;Fu lge{/ 5 eg] tt\ ;DaGwL ljj/0f_ M
;f] gePsf] .
v_ ;DklQsf] ljj/0f M
-s_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M
o; sDkgLsf] ;DklQsf] cj:yf @)&* c;f/ d;fGt;Dddf b]xfo adf]lhd /x]sf] 5 .

;DklQ
ljj/0f hUuf d]lzg/L nLh o; jif{ ?= ut jif{ ?=
kl/jxg sfof{no
tyf -sDKo'6/ tyf xf]N8 cGo
;fwg ;fdfg
ejg lk|G6/_ ;DklQ
!= k/ndf]n
-s_ ut jif{sf] df}Hbft - 10,023 5,521 10,070 - 1,473 27,087 -
-v_ o; jif{sf] yk - 251 1,176 3,275 - 136 4,837 27,087
-u_o; jif{ k'gd'{Nof°g - - - - - - - -
÷k"gn]{vg
-3_ o; jif{sf] laqmL - - - 26 - - 26 -
-ª_o; jif{sf] ckn]vg - - - - - - - -
s"n-s±v±u–3–ª_ - 10,274 6,697 13,319 - 1,609 31,898 27,087
k/ndf]n
@= x|f;s§L - - - - - - - -
-s_ ut jif{sf] df}Hbft - 2,622 1,375 2,700 - 304 7,001 -
-v_ o; jif{sf] - 1,497 1,254 2,376 - 410 5,537 7,001
-u_x|f;s§L k'gd'{Nof°g - - - - - - - -
÷k"gn]{vg
-3_x|f;s§L /sd - - - 2 - - 2 -
;dfof]hg ÷ lkmtf{
s'n x|f;s§L - 4,119 2,629 5,074 - 714 12,535 7,001
#= a's Eofn' - 6,155 4,068 8,245 - 894 19,362 20,086
(WDV*)-! – @_
$= hUuf - - - - - - - -
%=k"FhLut lgdf{0f - - - - - - - -
-k"FhLs/0f ul/g'kg]{_
hDdf -#±$±%_ - 6,155 4,068 8,245 - 894 19,362 20,086

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
pQm a'Fbfdf pNn]lvt ;DklQ sDkgLsf] cfˆg} xf] .
-u_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h eP ;f] ;DaGwL
ljj/0f M
;f] gePsf] .
-3_ ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfaL d"No / ahf/ d"No aLr km/s ePdf ;f]
sf] ljj/0fM
sDkgLsf] ;Dk"0f{ ;DklQ jf:tljs vr{sf] lx;fjdf sfod ul/Psf] 5 .
-ª_ ;DklQsf] d"Nof+sg ul/Psf] tl/sf ;DaGwL ljj/0fM

8
 k/ndf]ndf lgodfg';f/ ug'{kg]{ x|f;s§L u/L n]vfdfg cg';f/ afFsL /x]sf] jf:tljs ;DklQnfO{ ;DklQsf] ?kdf
/flvPsf] 5 / ;f]sf] k'gd"{"Nof+sg ul/Psf] 5}g .

u_ efjL of]hgf tyf /0fgLlt M

-s_ Joj;fo÷;]jfsf] j[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|lfKtsf nflu rflng] ;doj4 /0fgLlt M
sDkgLn] cfˆgf] Joj;fo÷;]jfsf] j[l4sf nflu rfNg] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doj4
/0fgLlt lgDgfg';f/ 5g\ M
 o;} cfly{s jif{df slDtdf klg yk ^ j6f zfvf lj:tf/ u/L cf=a= @)*)÷*! ;Dddf !!!zfvf ;+Vof k'–
ofpg] nIf lnPsf]5 .
 ;]jfu|fxLsf] ;+Vofdf qmdzM j[l¢ ub{} cf=a= @)*)÷*! ;Dddf sl/a !,)),))) k'–ofpg] nIf lnPsf] 5 .
 ljQLo ;+:yfn] cf=a=@)&*÷)&( sf] cGt;Dddf lgIf]k ;+sng ?= (! s/f]8, nufgLdf /lx/x]sf] shf{ ?= $
c/a $@ s/f]8 / v'b gfkmf ?= * s/f]8 k'–ofpg] nIf lnP;+u} cf=a= @)*)÷*! ;Dddf lgIf]k ;+sng ?=
! c/a @( s/f]8, nufgLdf /lx/x]sf] shf{ ?= ( c/a (@ s/f]8 / v'b gfkmf ?= @& s/f]8 k'–ofpg] nIf
lnPsf] 5 .
 ljQLo ;+:yfn] cf=a=@)&*÷)&( sf] cGt ;Dddf ;+:yfsf] g]6 jy{ $% s/f]8 #& nfv k'–ofO{ cf=a=
@)*)÷*! ;Dddf (! s/f]8 ## nfv k'–ofpg] nIf lnPsf] 5 .
 ljQLo ;+:yfn] cf=a=@)&*÷)&( sf] cGt ;Dddf ;+:yfsf] k|lt z]o/ cfDbfgL ?= #@=^& k'–ofO{ cf=a=
@)*)÷*! ;Dddf !)%=$$ k'–ofpg] nIf lnPsf] 5 .
 eljiodf ;d]t u|fxsx?af6 dfu eP adf]lhd / lghx?sf] cfjZostf adf]lhdsf shf{ / artsf ;]jf
;'ljwfx? pknAw u/fp+b} hfg] gLlt /x]sf] 5 .
 k|aGwkqsf] bkmf $ df pNn]v eP adf]lhdsf p2]Zox? xfl;n ug{sf nflu n3'ljQ sf/f]af/ lj:tf/ ub}{
n}nfg] gLlt /x]sf] 5 .
 cfGtl/s lgoGq0f / cg'kfngf k|0ffnL ;'b[l9s/0fdf ljz]if hf]8 lbg] gLlt /x]sf] 5 .
 ;+:yfsf] lbuf] ljsf;sf] nflu eljiodf c;/ kg{ ;Sg] gsf/fTds 36gf jf cj:yf cfpg glbg cfjZos
yk gLlt, lgod, sfo{ljlwx?sf] th'{df u/L cl3 a9\g] /0fgLlt o; ljQLo ;+:yfn] lnPsf] 5 .

-v_ k|ltikwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf] Joj;fosf] eljio
M
b]zsf] n3'ljQ If]qdf xfn k|ltikwf{ cToflws /x]sf] 5 / ;f]xL sf/0fn] ubf{ o; sDkgLn] cfˆgf] pNn]Vo If]q cf]u6\g
ljleGg /0fgLltsf ;fy cl3 a9]sf] 5 . jt{dfg cfly{s, /fhg}lts / a}ls+Ë k|ltikwf{ aLr ;kmntfsf ;fy cuf8L
a9\g sDkgLn] cfˆgf ;]jf tyf sfo{qmddf leGgtf, zfvf lj:tf/df ;se/ cGo n3'ljQ ljQLo ;+:yf gePsf cw{
zx/L / u|fdL0f If]qdf hf]8, cfw'lgs tyf k|ljlwo'Qm n3'ljQ a}+lsË ;]jf h:tf /0fgLlt cjnDjg u/]/ cuf8L
al9/x]sf] 5 . pNn]lvt /0fgLltsf] sf/0f sDkgL cfˆgf nufgLdf /x]sf] hf]lvdx? sd ug{ ;Ifd /x]sf] 5 /
eljiodf ljQLo If]qdf Ps leGg If]q cf]u6\g] s'/fdf b[9 /x]sf] 5 . o; sDkgLsf ;+rfns ;ldlt nufot Joj:yfkg
;ldlt tyf pRr kbflwsf/Lx?df nfdf] ;dosf] a}+lsË tyf n3'ljQsf] cg'ej /x]sf]n] cGo k|ltikwL{ cGo n3'ljQ
eGbf k[ys lsl;dn] ;xh t/Lsfn] ;+rfng ug{ ;Sg] Ifdtf /x]sf] 5 .

o; ljQLo ;+:yfsf] cf=j= @)&*÷)&( sf] cflZjgd;fGt;Ddsf] ljBdfg ;+:yfut l:yltlgDg adf]lhd /x]sf]5 .
cfly{s jif{ @)&*÷&( - cflZjg
qm=;+= ljj/0f
d;fGt ;Ddsf]_
! lhNnf 36
@ s]Gb|Lo sfof{no 1
# zfvf 88
$ s'n lgIf]k 67,82,94,090
% s'n shf{ 2,82,21,40,720 
^ r'Qmf k'FhL 175000.000
[
3_ ;~rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yf M
!_ ;+rfns ;ldltsf] ;+/rgf, ;+rfnsx?sf] of]Uotf / k|ltlglwTj tyf ;+rfns x'g'sf] nflu lng'kg]{ Go"gtd z]o/
;+Vof ;DaGwL Joj:yf M
/fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8sf] lgodfjnLsf] lgod @& -@_ df ePsf] Joj:yf cg';f/ ! hgf dlxnf
;lxt & -;ft_ hgfsf] ;~rfns ;ldlt x'g]5 h;df b]xfo adf]lhd x'g]5 M
;+:yfks ;d"xaf6 dgf]lgt÷lgjf{lrt $ -rf/_ hgf
9
 ;j{;fwf/0f z]o/wgLx?af6 lgjf{lrt @ -b'O{_ hgf
:jtGq ;~rfns ! -Ps_ hgf
;~rfnsx?sf] sfo{sfn -rf/_ $ jif{sf] x'g]5 .
;+rfns x'g'sf] nflu lng'kg]{ Go"gtd z]o/ ;+Vof ;DaGwL Joj:yf M
o; sDkgLsf] lgodfjnLsf] lgod @* df Joj:yf eP cg';f/ ljQLo ;+:yfsf] ;~rfnssf] kbdf lgo'Qm x'gsf]
nflu s'g} klg z]o/wgLn] cfˆgf] gfddf !)) -Ps ;o_ lsQf z]o/ lnPsf] x'g'kg]{5 .
t/, :jtGq Joj;flos ljz]if1 ;~rfns / ;+ul7t ;+:yfsf] k|ltlglwTj ug]{ ;~rfnssf] xsdf of] Joj:yf nfu'
x'g] 5}g .

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

-s_ clws[t, hf/L tyf r'Qmf k"FhL / ;++:yfsf] :yfkgf kZrft\ ;f] df kl/jt{g ePsf] eP tT;DaGwL ljj/0f M
 clws[t k"FhL M o; sDkgLsf] clws[t k"FhL ?= %),)),)),)))÷– -cIf/]kL krf; s/f]8 dfq_ /x]sf]] 5 . pQm
k"FhLnfO{ ?= !))÷— sf b/n] %),)),))) -krf; nfv_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
 hf/L k"FhL M o; sDkgLsf] tTsfn hf/L ug{] z]o/ k"FhL ?= @^,)),)),)))÷– -cIf/]kL 5lAa; s/f]8 dfq_ /x]sf] 5
. pQm k"FhLnfO{ ?= !))÷— sf b/n] @^,)),))) -5lAa; nfv_ yfg z]o/df ljefhg ul/Psf]5 .
 r'Qmf k"FhL M o; sDkgLsf] xfn r'Qmf k"FhL ?= !&,%),)),)))÷– -cIf/]kL ;q s/f]8 krf; nfv ?k}of dfq_ /x]sf]
5 h;nfO{ ?= !))÷– sf b/n] !&,%),)))-;q nfv krf; xhf/_yfg z]o/df ljefhg ul/Psf] 5 .
o; ljj/0fkq dfkm{t ;j{;fwf/0fnfO{ ?= *,%),)),)))÷– -cIf/]kL cf7 s/f]8 krf; nfv dfq_ /sd a/fa/sf]
z]o/sf] lgisfzg kZrft\ sDkgLsf] r'Qmf k"FhL ?= @^,)),)),)))÷– -cIf/]kL 5lAa; s/f]8 dfq_ x'g]5 .

sDkgLsf] :yfkgf kZrft\ clws[t, hf/L Pj+ r'Qmf k"FhLdf eO{ cfPsf]÷kl/jt{g ePsf] eP tT;DaGwL ljj/0f M
o; sDkgLsf]] :yfkgf kZrft\ k"FhLdf ePsf] kl/jt{g ;DaGwL ljj/0f M
qm=;+ cf= j= clws[t k"FhL Hff/L k"FhL r'Qmf k"FhL
1. 2075/76 50,00,00,000.00 25,00,00,000.00 17,50,00,000.00
2. 2076/77 50,00,00,000.00 26,00,00,000.00 17,50,00,000.00
3. 2077/78 50,00,00,000.00 26,00,00,000.00 17,50,00,000.00

-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] sDkgLsf] r'Qmf k"FhLsf] ;+/rgf b]xfo adf]lhd /x]sf] 5 M
;dx" z]o/wgLx? ;fwf/0f z]o/ ;+Vof k"FhL k|ltzt -Ü_ r'Qmf /sd e'QmfgL k|ltzt
;+:yfks 17,50,000 67.31 17,50,00,000/-
s zt\k|ltzt
z]o/wgLx?
;j{;fwf/0f
v z]o/wgLx? 8,50,000 32.69 8,50,00,000/- zt\k|ltzt
-sd{rf/L ;lxt_
hDdf 26,00,000 100.00 26,00,00,000/- zt\k|ltzt

-u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft\_

lgisflzt z]o/ lk|ldoddf geO{ c+lst d"Nodf hf/L ul/g] x'Fbf z]o/ lk|ldod vftfsf] cfjZostf g/x]sf] .

%= ;+:yfks÷;~rfns ;DaGwL hfgsf/L M

s_ ;+:yfks÷;~rfnssf] k[i7e"ld M
-s_ cfwf/e"t z]o/wgLx? tyf ;~rfnsx?sf] gfd, kb, pd]/, /fli6«otf, 7]ufgf, z]o/ :jfldTj, z}lIfs of]Uotf, cg'ej/
k|:tfljt Jofkf/÷Joj;fodf cg'ej M
cfwf/e't z]o/wgLx?sf] ljj/0f
z]o/
pd]/ z}lIfs cg'ej
l;=g+= Gffd / 7]ufgf Kfb /fli6«otf :jfldTj
of]Uotf
-jif{_ -lsQf_ -k"j{ / xfn sfo{/t_

10
 >L g]kfn u|fdL0f nfu"
nfu" nfu"
! ljsf; ;+:yf, gx'g] 7,50,000 nfu" gx'g] nfu" gx'g]
gx'g] gx'g]
l8NnLahf/, sf7df8f}
>L /fli6«o jfl0fHo a}+s nfu"
nfu" nfu"
@ ln= l;x+b/af/ Knfhf, gx'g] 5,50,000 nfu" gx'g] nfu" gx'g]
gx'g] gx'g]
sf7df8f}+
>L k|e' a}+s lnld6]8, nfu" nfu" nfu"
# 3,00,000 nfu" gx'g] nfu" gx'g]
aa/dxn, sf7df8f}+ gx'g] gx'g] gx'g]

;~rfnsx?sf] ljj/0f M
z]o/ k|:tfljt
;~rfnssf] z}lIfs
qm=;+= Kfb pd]/ /fli6«otf :jfld cg'ej Jofkf/÷Joj
gfd, 7]ufgf of]Uotf
Tj ;fo
ljleGg ;/sf/L tyf
>L k|Nxfb
cWoIf u}/;/sf/L ;]jf -:jb]z Pj+
dfg dfnL,
!=
afg]Zj/–!),
÷:jtGq &$ g]kfnL :gfts – ljb]z_ df $) aif{ eGbf –
;+rfns a9L ;]jf u/]sf] sfof{g'ej
sf7df8f}
.
>L lr/~hLjL
lj=;L, ;+rfns÷k|e' xfn sfo{/tM k|e' a}+s ln=
@= ;'o{ljgfos a}+s ln=af6 $* g]kfnL :gftsf]Q/ – -@)%^ ;fn b]lv a}+lsª –
g=kf=–#, dgf]lgt If]qdf sfo{/t_
eQmk'/
>LdtL l/tf
k|aGws,
;fksf]6f,
k|aGws, Unf]an Pu|f] Unf]an Pu|f]
#= kf}8]n, ;+rfns $& g]kfnL :gfts *,)))
k|f]8S6 k|f=ln= . k|f]8S6
pnf{af/L–%,
k|f=ln=
df]/Ë
>L k|bLk
s'df/ ;+rfns÷ g]kfn ljleGg ;/sf/L tyf
ltldnl;gf, u|fdL0f ljsf; ;+:yfgx?df #* aif{ eGbf
$=
sf=d=kf=–#), ;+:yfaf6
&) g]kfnL cfO{=P=
a9L sfo{/t /lx xfn ;]jf –
d}ltb]jL, dgf]lgt lga[Q .
sf7df08f}
>L ladn ;+rfns÷-
/fli6«o jfl0fHo a}+sdf
8+uf]n /fli6«o afl0fHo
%=
yfgl;ª–!, a}+s ln=af6
#* g]kfnL :gftsf]Q/ ljut !@ aif{ eGbf a9L –
cjlw b]lv sfo{/t .
g'jfsf]6 dgf]lgt

-v_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt ljj/0f (Profile)
/ pQm sDkgL÷;+:yfsf ;~rfnsx?sf] gfd, 7]ufgf, -k|fs[lts JolQm gv'n];Dd_ M
z]o/
sDkgL÷;+:yfsf] gfd,
qm=;+= ;+lIfKt ljj/0f ;+rfnsx?sf] gfd, 7]ufgf :jfldTj
7]ufgf
-lsQf_
/fli6«o jfl0fHo a}+s lnld6]8 ldlt @)@@
 8f= >L an/fd kf7s, dxfnIdL
;fn df3 !) ut] ljz]if P]g æ/fli6«o g=kf=–(, nlntk'/
>L /fli6«o jfl0fHo
a}+s lnld6]8, jfl0fHo a}+s P]g, @)@!Æ cGtu{t g]kfn  >L s]bf/ gfy zdf{, g]kfn
!= ;/sf/4f/f a}lsu ;DaGwL sf/f]jf/ ug{ %,%),)))
l;x+b/af/Knfhf, ;/sf/, cy{ dGqfno
sf7df8f}+ . :yfkgf ePsf] a}+s xf] . of] a}+s jfl0fHo a}+s  >L hgs s'df/ a/fn,
P]g, @)#! adf]lhd ;+rfng x'b} cfPsf]df dT:okf]v/L @ ;+v'jf;jf
ldlt @)^# ;fn a}zfv ^ ut] lnld6]8
11
 sDkgLsf] ?kdf sDkgL P]g, @)^# -  k|f=8f= >L /fhg axfb'/ kf}8]n,
tTsfnLg k|rlnt sDkgL cWofb]z, @)^@_ gfufh'{g g=kf ! sf7\df08f}
adf]lhd g]kfn ;/sf/ pBf]u jfl0fHo tyf  k|f=8f=>L dfwj k|;fb bfxfn,
cfk"lt{ dGqfno, sDkgL /lhi6«f/sf] lz4]Zj/ ! ef]hk'/
sfof{nodf btf{ eO{ sDkgLsf] ?kdf :yflkt  >L /f]ldnf 9sfn pk|]tL,
ePsf] lyof] . rGb|u9L * emfkf
 >L lnnf k|sfz l;6f}nf,
sf=d=kf=–&, rfjlxn,sf7df8f}+ .
 >L /d]z l;+x v8\sf, lab'/
g=kf= @, g'jfsf]6 .
 >L z+s/ k|;fb sflnsf]6f,
/fi6« a}+saf6 æsÆ ju{sf] Ohfhtkq k|fKt sf=d=g=kf–#!, zflGtgu/,
jfl0fHo a}+s . ;fljs lsi6 a}+s lnld6]8, sf7df8f}+ .
k|e' ljsf; a}+s lnld6]8, u}/Lz+s/
>L k|e' a}+s ln=, 8]enkd]G6 a}+s lnld6]8 / h]lgy kmfOgfG;  >L /fd]Zj/ ;fksf]6f, sf=d=kf=–
@= !#, tfxf+rn, sf7df08f} . #,)),)))
aa/dxn, sf7df8f}+ . lnld6]8 cfk;df ufleP/ ag]sf] a}+s k|e'
a}+s lnld6]8 xf] . o; a}+sn] ldlt @)&!  >L Clif/fd uf}td, e/tk'/
;fn efb| #) ut]af6 k|e' a}+s lnld6]8sf] d=g=kf= j8f g+ !$, ;'Gb/a:tL,
gfddf ljQLo sf/f]af/ ub}{ cfPsf] 5 . lrtjg.
 >L c~h' clwsf/L, sf=d=g=kf=
–(, alQ; k'tnL, sf7df8f}+ .
 >L k|df]b l3ld/], sf7df8f}+
sf=d=g=kf=– %, xfF8LufFp,
sf7df08f} .
 >LdtL hof nf]xgL, sf=d=g=kf=+–
%, xf+l8ufp+, sf7df08f} .
 >Ldlt t'n;f >]i7, sf=d=g=kf=+
lhNnf k|zf;g sfof{no, sf7df08f}af6 @(, l8NnLahf/, sf7df8f} .
;+:yf btf{ P]g @)#$ adf]lhd u}/ ;/sf/L
>L g]kfn u|fld0f  >L k|lbk s'df/ ltldnl;gf,
;+:yfsf]?kdf btf{ eO{ @)%% ;fn b]lv
ljsf; ;+:yf sf=d=g=kf=+ #), d}ltb]jL,
n3'ljQsf] sfo{ ul/ g]kfn /fi6« a}+ssf]
sf7df08f} lhNnf, sf7df8f}+ .
#= :jLs[tLdf @)&%÷!!÷* b]lv n3'ljQ &,%),)))
sf/f]af/ /fi6« pTyfg n3'ljQ ljQLo ;+:yf  >L njs'z sfsL{, ;"o{ljgfos–@,
sf=d==kf= j8f g+=
@(, l8NnLahf/, eQmk'/ .
ln= df ?kfGt/0f ePsf] xf] . xfn o; ;+:yfn]
sf7df8f}  >L k|lj0f rGb| k|wfg, sf=d=g=kf=+
p4]Zo adf]lhdsf] ljleGg ;fdflhs sfo{
ub}{ cfPsf] 5 . @(, l8NnLahf/, sf7df8f} .
 >Ldlt /fgL s'df/L s0f{, ;'Gb/k'/
rf]xjf{, ;nf{xL, xfn lslt{k'/ .

-u_ ;+ul7t ;++:yfsf] ;~rfns cGo s'g} sDkgL, ;++:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;~rfns / cfj4 ePsf]
;+:yfsf] gfd, 7]ufgf M
qm=;+= ;~rfnssf] gfd / 7]ufgf cfj4 ePsf] ;+:yfsf] gfd, 7]ufgf
>L lr/~hLjL lj=;L, ;'o{ljgfos g=kf=–
!= k|e' a}+s ln, aa/dxn, sf7df8f}+
#, eQmk'/
>L k|bLk s'df/ ltldnl;gf, sf=d=kf=–
@= g]kfn u|fdL0f ljsf; ;+:yf, l8NnLahf/, sf7df8f}+
#), d}ltb]jL, sf7df08f}
>L ladn 8+uf]n
#= /fli6«o afl0fHo a}+s ln=, l;+xb/af/ Knfhf, sf7df8f}+
yfgl;ª–!, g'jfsf]6

gf]6 M o; sDkgLsf] ;+rfnsx?sf] ;DaGwdf æ;"rLs[t ;+ul7t ;+:yfx?sf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf, @)&$Æ
sf] Joj:yfx? tyf sDkgL P]g, @)^# sf] bkmf *( sf] pkbkmf -!_ 5 sf] kfngf ePsf] 5 .

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

12
 s_ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt glnO{ o; n3'ljQ ljQLo ;+:yfsf] z]o/ s'g} ljb]zL a}+s jf ljQLo ;+:yfnfO{
laqmL jf x:tfGt/0f ul/g] 5}g .
v_ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt glnO{ ;+:yfks / ;j{;fwf/0f ;d"xsf] z]o/ :jfldTj cg'kftdf kl/jt{g ug{
kfOg] 5}g .
u_ ljQLo ;+:yfn] sf/f]af/ ;+rfng u/]sf] kfFr jif{ gk'u];Dd ;f] ;+:yfsf] ;+:yfksn] cfˆgf] z]o/ laqmL jf
lwtf]aGws /fVg kfpg] 5}g / pQm cjlwkl5 To:tf] z]o/ laqmL ubf{ jf lwtf]aGws /fVg'kbf{ g]kfn /fi6« a}+ssf]
k"j{ :jLs[lt lng' kg]{5 . o; Joj:yf adf]lhd ljQLo ;+:yfn] sf/f]af/ ;+rfng u/]sf] kfFr jif{ gk'u] tfklg
n3'ljQ ljQLo ;+:yfsf] ;+rfngdf s'g} afwf Jojwfg pTkGg eO{ ljz]if kl/l:yltsf] ;[hgf x'g uPdf g]kfn
/fi6« a}+ssf] :jLs[lt lnO{ ;+:yfksx?sf aLrdf z]o/ v/Lb laqmL ug{ ;lsg]5 .

t/ To;/L z]o/ ljqmL ubf{ Ps eGbf a9L z]o/wgLn] z]o/ v/Lbug{ rfx]df lghn] wf/0f u/]sf] z]o/sf]
cg'kftdf ljt/0f ug'{ kg]{5 . ;f] ;d"xsf s'g} klg ;+:yfks z]o/wgLn] z]o/ lng] OR5f gu/]df dfq To:tf]
z]o/ g]kfn /fi6« a}+ssf] :jLs[lt lnO{ ;+rfns ;ldltsf] lg0f{o adf]lhd cGo JolQm, kmd{, sDkgL jf ;+:yfnfO{
laqmL ug{ ;lsg] 5 .
3_ s'g} ;+:yfks z]o/wgLsf] d[To' ePdf jf k|rlnt sfg"g adf]lhd kfl/jfl/s c+zj08f ePdf jf cbfntsf]
cfb]zn] lghsf] z]o/ xsjfnfdf gfd;f/L x'g] ePdf v08 -u_ sf] aGb]h nfu" x'g] 5}g .
ª_ ;j{;fwf/0fn] z]o/ v/Lb ubf{ !) c+sn] efu ubf{ z]if g/xg] u/L Go"gtd !) lsQf z]o/ jf clwstddf
ljj/0fkqdf tf]lsP adf]lhd z]o/ v/Lb ug{sfnflu lgj]bg ug{ ;Sg]5 . t/ xsk|b z]o/sf] xsdf of] aGb]h
nfu" x'g] 5}g .
r_ ljQLo ;+:yfsf ;+rfns, sfo{sf/L k|d'v, n]vfk/LIfs, ;lrj jf n3'ljQ ljQLo ;+:yfsf] Joj:yfkg tyf
n]vf;DaGwL sfo{df k|ToIf?kn] ;+nUg JolQmn] To:tf] kbdf axfn /xFbfsf] avt jf To:tf] kbaf6 cjsf;
k|fKt u/]sf] sDtLdf Ps jif{;Dd ;DalGwt ljQLo ;+:yf jf To;sf] ;xfos sDkgLsf] z]o/ cfˆgf] jf cfˆgf]
kl/jf/sf] lgoGq0fdf /x]sf] kmd{, sDkgL jf ;+:yfsf] gfddf v/Lb laqmL ug{, u/fpg, ug{ lbg, lwtf]aGws
/fVg, /fVg nufpg jf bfg as; lng, lbg jf n]gb]g ug{' x'Fb}g . t/, gofF z]o/ hf/L u/]sf] cj:yfdf of]
k|ltjGw nfu' x'g] 5}g .
5_ s;}n] v08 -r_ ljkl/t sfd u/]df To:tf] z]o/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
P]g, @)^#, lwtf]kq sf/f]jf/ ;DjGwL sfg"g tyf cGo k|rlnt sfg"gdf pNn]v eP adf]lhd x'g]5 .
em_ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&#, sDkgL P]g, @)^#, lwtf]kq sf/f]jf/ ;DjGwL sfg"g tyf cGo
k|rlnt sfg"gsf] clwgdf /xL ;fljssf ;+:yfks z]o/wgLx?n] xsk|b z]o/ vl/b ug]{ xs cGo s'g| JolQm
jf ;+:yfnfO{ x:tfGt/0f ug]{ xs cGo s'g} JolQm jf ;+:yfnfO{ x:tfGt/0f ug]{ ePdf k|rlnt sfg"g, ljBdfg
lgltut Joj:yf tyf g]kfn /fi6« a}+saf6 hf/L ul/Psf] lgb]{zgsf] clwgdf /xL cfˆgf] ;Dk"0f{ jf cf+lzs xs
cGo s'g} JolQm jf ;+:yfnfO{ xs x:tfGt/0f ug{ k|of]u ug{ ;Sg]5 .

ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#Æ sf] lgod #*-!_ df ePsf] Joj:yf cg'?k o; ljj/0fkq dfkm{t
;j{;fwf/0fsf nflu lgisfzg ug{ nfluPsf] ;fwf/0f z]o/ afF8kmFf8 ePsf] ldltn] tLg jif{ k"/f geO{ o; sDkgLsf
;+:yfks z]o/wgL tyf sd{rf/Lx?n] laqmL ug{ kfOg] 5}g .ljQLo ;+:yfn] ;+rfng u/]sf] kfFr jif{ gk'u];Dd ;f]
;+:yfsf] ;+:yfksn] cfˆgf] z]o/ laqmL jf lwtf]aGws /fVg kfpg]5}g .

v_ ;+:yfks÷;~rfns;Fusf] sf/f]af/ M
-s_ ;+ul7t ;++:yfaf6 s'g} ;+:yfks÷;~rfnsn] k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/cfly{s_
k|fKt u/]sf] jf k|fKt ug]{ ePdf To:tf] j:t' jf ;'ljwfsf] k|s[lt / d"No / To:tf] ;'ljwf lbP jfkt ljQLo ;+:yfn]s'g}
;DklQ, ;]jf k|fKt u/]sf] jf ug]{ ePdf tT;DaGwL ljj/0f M
sDkgLsf] ;~rfnsx?n] ;~rfns ;ldltsf] a}7s eQf afx]s cGo s'g}klg ;+:yfks jf ;~rfnsn] o; ;+:yfaf6
k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/ cfly{s_ k|fKt u/]sf 5}gg\ / ;f] ;DaGwdf ljQLo
;+:yfn] ;+:yfks jf ;~rfnsaf6 s'g} ;DklQ jf ;]jf ;d]t k|fKt u/]sf] 5}g .

-v_ aF'bf -s_ df pNn]lvt j:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M ;f] gePsf] .

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

o; ljQLo ;+:yfsf] sf/f]af/sf] ;DaGwdf z]o/wgLsf] bfloTj lghn] v/Lb u/]sf] jf v/Lb ug{ saf]n u/]sf] z]o/sf]
c+lst d"No;Dd dfq l;ldt /xg] 5 .

13
 t/ s'g} z]o/wgL jf ;+rfnsn] ;f] x}l;otdf t]>f] kIf;Fu u/]sf] JolQmut hdfgt ;DaGwL ;Demf}tf adf]lhdsf]
bfloTjsf] xsdf of] Joj:yf nfu" x'g] 5}g .

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

s_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0fM

-s_ ;+ul7t ;++:yfsf] pRr Joj:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn] u/]sf] sfdsf]
cg'ej tyf ;+ul7t ;++:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy} To:tf] sd{rf/Lx? cGo s'g}
;"lrs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL eP jf cGo s'g} ;+ul7t ;+:yfdf nufgL u/]sf] eP pQm ;+ul7t
;+:yfsf] gfd / nufgL u/]sf] /sd v'nfpg' kg]{ .

sd{rf/Lsf]
qm=;+= kb of]Uotf lgo'lQm ldlt klxn] u/]sf] sfdsf] cg'ej z]o/ ;+Vof
gfd
 cWoIf, g]kfn u|fdL0f
ljsf; ;+:yfdf ldlt
@)&)÷#÷@$ b]lv ldlt
@)&%÷)^÷!* ;Dd
 ;lrj, g]kfn u|fdL0f
ljsf; ;+:yfdf
@)^^÷)@÷@@ b]lv
@)&)÷#÷@$ ;Dd,
 ;b:o, g]kfn u|fdL0f
ljsf; ;+:yfdf @)%(
b]lv @)^^ ;Dd
>L ;'wL/  ;b:o, ck'jf{ l;/xf
!= k|;fb sfo{sf/L lgb]{zs :gftsf]Q/ @)&%/^/@( 25,000
ljsf; ;dfh -lkmËf]_
nf]xgL
@)%#
 6]«8 k|df];g ;]G6/df #
jif{ sfof{g'ej
 zfxL g]kfn jfo';]jf
lguddf @) jif{ sfo{ u/L
;]jf lga[Q
 cfjfzLo ;+rfns,
lj/f6gu/ h'6 ldN; ln=
@)$*
 ;+rfns, >L /3'ktL h'6
ldN; ln= @)$%
 sfo{qmd ;+of]hs–g]kfn
u|fdL0f ljsf; ;+:yfdf
la=P ldlt @)^@÷*÷! b]lv
>Ldlt hof gfoa sfo{sf/L -Osf]gf]ldS; ldlt @)&%÷!!÷& ;Dd
@= @)&%÷!!÷)* gePsf]
nf]xgL lgb]{zs P08  sf=;= kbflwsf/L,g]kfn
DofyDofl6S;\_ u|fdL0f ljsf; ;+:yf
 !@ aif{ lzIf0f k]zfsf]
sfof{g'ej .

14
  ;xfos sfo{sf/L
lgb]{zs–g]kfn u|fdL0f
ljsf; ;+:yfdf ldlt
;xfos sfo{sf/L @)&%÷&÷% b]lv ldlt
>L huGgfy lgb]{zs÷sDkgL @)&%÷!!÷& ;Dd .
#= Pd=la=P @)&%÷!!÷)* gePsf]
s'FO{s]n ;lrj tyf shf{
ljefu k|d'v  /fli6«o afl0fHo a}+s ln=
df s]=sf= tyf ljleGg
zfvfx?df ljleGg kbdf
/xL #) aif{sf] sfof{g'ej .
 ljleGg kbdf g]kfn
lgb]{zs -k|d'v– u|fdL0f ljsf; ;+:yfdf
>L ;'/]z k|zf;g, dfga
$= la=sd @)&%÷!!÷)* ldlt @)%^÷@÷! b]lv gePsf]
af]x/f ;+zfwg tyf
tflnd ljefu _ ldlt @)&%÷!!÷& ;Dd
sfof{g'ej .
 ljleGg kbdf g]kfn
lgb]{zs -k|d'v– u|fdL0f ljsf; ;+:yfdf
>L lx/0o cfGtl/s KN; 6'
%= @)&%÷!!÷)* ldlt @)%&÷!)÷! b]lv
axfb'/ yfkf n]vfkl/If0f kf;÷cy{zf:q
ljefu _ ldlt @)&%÷!!÷& ;Dd
sfof{g'ej .
 al/i7 clws[t kbdf
g]kfn u|fdL0f ljsf;
;+:yfdf ldlt @)&@÷#÷^
lgb]{zs -k|d'v– b]lv ldlt @)&%÷!!÷&
>L g]q h+u of]hgf, cg';Gwfg ;Dd sfof{g'ej .
^= PdlaP; @)&%÷!!÷)* gePsf]
yfkf tyf
cg'kfngfljefu _  # aif{ cl86 kmd{ddf, @
aif{ a}+sdf / # aif{ cGo
k|fO{e]6 s+kgLx?df
sfof{g'ej .
 ljleGg kbdf g]kfn
lgb]{zs -k|d'v– u|fdL0f ljsf; ;+:yfdf
>L k+sh
&= ljQ tyf n]vf PdlaP; @)&%÷!!÷)* ldlt @)^^÷(÷! b]lv gePsf]
kf08]
ljefu_ ldlt @)&%÷!!÷& ;Dd
sfof{g'ej .
lgb]{zs -k|d'v–  ljleGg kbdf g]kfn
KN; 6' kf;, u|fdL0f ljsf; ;+:yfdf
OGkmd]{zg
>L ;/f]h OGkmd]{zg
*= 6]Sgf]nf]lh / @)&%÷!!÷)* ldlt @)&@÷#÷@ b]lv gePsf]
/fh ef/tL 6]Sgf]nf]lhdf
;fdfGo ;]jf ldlt @)&%÷!!÷& ;Dd
l8Knf]df
ljefu_ sfof{g'ej .
 ljleGg kbdf g]kfn
lgb]{zs -k|d'v– u|fdL0f ljsf; ;+:yfdf
>L k'is/ zfvf ;+rfng KN; 6' kf;
(= @)&%÷!!÷)* ldlt @)^&÷!!÷!! b]lv gePsf]
ld> tyf shf{ -Joj:yfkgdf_
cg'udg ljefu_ ldlt @)&%÷!!÷& ;Dd
sfof{g'ej .

;+ul7t ;++:yfsf sd{rf/Lx? cGo ;"rLs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgLsf] ?kdf /x]sf] jf sd{rf/Lx?n] cGo s'g}
;+ul7t ;+:yfdf u/]sf] nufgL ;DaGwL ljj/0fM;f] gePsf] .
15
 -v_ ljj/0fkq af]8{df k|:t't ug'{ eGbf ! jif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] cj:yf afx]s
;+ul7t ;++:yfsf] pRr Joj:yfksLo txdf /x]sf s'g} sd{rf/L kl/jt{g ePdf ;f] ;DaGwL ljj/0f pNn]v ug'{ kg]{M
-@)&* cflZjg d;fGt ;Dddf ;f] gePsf] .

-u_ sd{rf/Lsf] ;+VofM -@)&* cflZjg d;fGt ;Dddf_

s'n sd{rf/L
:yfoL k/LIf0fsfn÷k|lzIffyL{ c:yfoL s/f/÷Hofnfbf/L cGo
;+Vof
316 165 147 - 4 -

v_ ;~rfns Pj+ pRr Joj:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0fM
-s_ ;~rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf lghx?nfO{
k|bfg ul/g] jf ul/Psf] b}lgs tyf e|d0f eQf tyf cGo ;'ljwf M
sDkgLsf] lgodfjnLsf] bkmf #@ df ePsf] Joj:yf adf]lhd ;~rfnsn] kfpg] a}7s eQf, b}lgs tyf e|d0f eQf
/ cGo ;'ljwf ;fwf/0f ;efn] tf]s] cg';f/ b]xfoadf]lhd x'g]5 M
s= ;+rfns ;ldltsf] a}7sdf pkl:yt eP afkt k|lt a}7s eQf cWoIfn] ?=#)))÷– -tLg xhf/_ / cGo
;+rfnsn] kfpg] k|lt a}7s eQf ?=@,%))÷– -b'O{ xhf/ kfFr ;o_ x'g]5 .
v= ljQLo ;+:yfsf] sfdsf] l;nl;nfdf ;~rfnsnfO{ k|bfg ul/g] b}lgs tyf e|d0f eQf b]xfo adf]lhd x'g]5 M
c= :jb]zdf b}lgs eQf ?= #,)))÷– -cIf/]kL tLg xhf/ dfq_
cf= ef/tdf b}lgs eQf ef=?= #,)))÷– -cIf/]kL tLg xhf/ dfq_
O= cGo blIf0f Pl;of d'n'sdf b}lgs eQf cd]l/sL 8n/ !))÷–
O{= cGo ljb]zL d'n'sdf b}lgs eQf cd]l/sL 8n/ !))÷–
p= e|d0f vr{ ljn adf]lhd .
-v_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf tLg hgf clws[tx?sf] gfd , kb / Ps cfly{s jif{sf] cjlw leq
pgLx?nfO{ kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sdM
kfl/>ldssf] /sd -?=_
qm= ;+= Gffd kb ->fj0f !, @)&& b]lv cfiff9
#!, @)&* ;Dd_
!= >L ;'lw/ k|;fb nf]xgL sfo{sf/L lgb]{zs 27,10,001/68
@= >Ldlt hof nf]xgL gfoa sfo{sf/L lgb]{zs 15,94,421÷50
#= >L huGgfy s'FO{s]n ;xfos sfo{sf/L lgb]{zs÷sDkgL ;lrj 12,83,975÷01

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

*= cGtlg{lxt hf]lvd tyf ;f]df Joj:yfkgsf nflu Joj:yfkgsf] wf/0ff M ;+ul7t ;+:yfn] axg u/]sf] jf ug]{ hf]lvd
:ki6 ?kdf pNn]v ug'{ kg]{ . o; ;Gbe{df hf]lvdx?nfO{ ;+ul7t ;+:yfsf] cfGtl/s jf Joj;fo÷cfof]hg;Fu k|ToIf
cyjf ;+ul7t ;+:yfsf] lgoGq0f eGbf aflx/sf] egL alu{s/0f u/L k|d'v ?kdf b]xfosf] hf]lvdsf] ljZn]if0f ug'{ kg]{ .
-s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvd M
shf{ nufgLdf cK7\of/f] kg{;Sg] / u|fxs ;b:ox?af6 hDdf ul/Psf] lgIf]k /sdsf] e'QmfgL lbg ;d:of kg{;Sg]
hf]lvd /x]sf] .
-v_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd M
;f] gePsf] .
-u_ pTkfbg jf ;]jfsf] ahf/sf] l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvd M
-!_ gofF n3'ljQ ljQLo ;+:yfx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g;Sg] hf]lvdx? .
-@_ ljQLo ;+:yfn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hf]lvdx? .
-#_ lgIf]k tyf shf{sf] Aofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx? .
-3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clej[l4 (Cost Overrun)sf] hf]lvd M
o; sDkgL g]kfn /fi6« a}+saf6 O{hfhtkqk|fKt k|fKt u/L æ3Æ ju{sf] ljQLo ;+:yfsf] ?kdf ;~rfng ePsf] x'Fbf
pNn]lvt hf]lvd o; ljQLo ;+:yfdf g/x]sf] .
-ª_ ljb]zL ljlgdosf] hf]lvd M
o; ljQLo ;+:yfn] g]kfn /fi6« a}+saf6 ljb]zL d'b|fsf] sf/f]jf/ ug]{ :jLs[lt k|fKt gu/]sf] x'Fbf ljb]zL ljlgdosf]
hf]lvd g/x]sf] .
-r_ sfg"gL k|lqmofx? tyf O{hfht k|fKt ug'{kg]{ eP ;f]af6 kg{ ;Sg] cj/f]wx? M
16
 o; ljQLo ;+:yfn] ljQLo sf/f]jf/ ;~rfngsf] nflu ;a} sfg"gL k|lqmofx? k'/f u/L lng'kg]{ O{hfht k|fKt ul/;s]sf]
x'Fbf ;f] k|fKt gu/]sf sf/0faf6 ljQLo ;+:yfsf] sf/f]jf/df s'g} cj/f]w kg{ ;Sg] gb]lvPsf] .
-5_ If]qLos/0f / ljZjJofkLs/0f (Globalization)sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M
-!_ cGt/fl{i6«o ahf/df x'g] dGbLaf6 g]kfnL ahf/df kg{;Sg] c;/af6 x'g] cfly{s hf]lvdx? .
-@_ k"FhL ahf/sf] cj:yfdf cfpg] ptf/–r9fjaf6 kg{;Sg] hf]lvdx? .
-h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjJofkL ?kdf x'g] gLltut kl/jt{gaf6 pTkGg x'g] hf]lvd M
-!_ b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] hf/L ug]{ lgod lgb]{zgsf] 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] æ3Æ ju{sf] n3'ljQ ljQLo ;+:yfsf] ?kdf ldlt @)&%÷!!÷)* ut]b]lv ljQLo ;+:yfsf] sf/f]jf/
;~rfng ub}{ cfO{/x]sf] 5 . æ3Æ ju{sf] n3'ljQ ljQLo ;+:yfsf] ?kdf ;+:yf ;~rfngsf] O{ltxf; sl/a # jif{sf]
ePtf klg g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd ;fljssf] u}/ ;/sf/L ;+:yf g]kfn u|fdL0f ljsf; ;+:yfsf] lj=;+=
@)%$ ;fn b]lvsf] n3'ljQ sf/f]af/af6 ?kfGtl/t o; ljQLo ;+:yfn] u/]sf] sfo{ tyf xfnsf] ljQLo ;+:yfsf]
sfo{If]q, u|fxs ;+Vof, shf{ nufgL, lgIf]k ;+sng cflbsf] cfwf/df x]bf{ o; ljQLo ;+:yfsf] ;~rfng O{ltxf;
k'/fgf] 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/(Mfin)df k|ljlwsf] kl/jt{gaf6 cfpg ;Sg] hf]lvd Joj:yfkgsf nflu
tYofÍx?sf] ;'/Iffy{ Data Backupdf 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? .
-#_ sf]le8 !( jf6 kg{ ;Sg] c;/M ljZjJofkL dxfdf/Lsf] ?kdf km}lnPsf] COVID-19 n] ubf{ cy{tGqnfO{ g}
k|efljt kf/]sf] / g]kfn klg o;af6 hf]lug ;s]sf] 5}g . o; ljifd kl/l:yltdf b}lgs ?kdf ;+rfng ug'{ kg]{
Jofkf/, Joj;fo, pBf]u wGbf nfdf] ;do ;Dd aGb x'Fbf n3'ljQ ljQLo ;+:yfnfO{ ;d]t o; dxfdf/Ln] k|efj
kf/]sf] 5 . cy{tGqsf] ;du| If]qdf kg{ uPsf] c;/ sd x'+b} uPtfkgL shf{ c;'nL k|s[ofdf kg{ ;Sg] hf]lvd
s]xL xb;Dd sfod g} /x]sf] 5 / u|fxssf] Joj;fodf cfPsf] dlGbsf sf/0f shf{ k|jfxdf s]xL sdL cfpg
;Sg] 5 . h;n] ubf{ ;+:yfsf] Joj;fo lj:tf/ tyf gfkmfdf ;d]t c;/ kg{ ;Sg] b]lvG5 .
-7_ pk/f]Qmfg';f/sf] hf]lvdx?nfO{ Go"g jf Joj:yfkg ug]{ ;DaGwdf Joj:yfkgsf] of]hgf M
!_ ljQLo ;+:yfsf] shf{ pkef]u u/]sf] ;b:o jf >Ldfgsf] d[To" eO{ x'g ;Sg] hf]lvdx?sf] nflu ljQLo ;+:yfn]
n3'shf{ ljdfsf] Joj:yf u/]sf] 5 . ljQLo ;+:yfn] ljQ ahf/df x'g] k|lt:kwf{sf] ;fy} If]qLos/0f /
ljZjJofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hf]lvdx? Go"gLs/0f ug{sf nflu hgzlQm
ljsf;df Wofg k'¥ofpg'sf] ;fy} cGo Jofj;flos hf]lvdx?af6 l;h{gf x'g ;Sg] xfgL–gf]S;fgLsf] nflu
Joj:yfkg rgfvf] eO{ ;Defljt xfgL–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 /x]sf] 5 .
ljQLo ;+:yfn] cfˆgf C0fL ;b:ox?sf] d[To"af6 x'g ;Sg] hf]lvdsf] Go"gLs/0fsfnflu"l/nfoan g]kfn nfO{km
O{G:of]/]G; sDkgL lnld6]8";+uaLdfsf] nflu ;Demf}tf u/]sf] 5 . ;fy} shf{sf] hf]lvd yk Go"gLs/0fsf] nflu
"lgIf]k tyf shf{ ;'/If0f sf]if "df shf{sf] ;'/If0f ul/Psf] 5 .;f] sf] ljj/0f b]xfoadf]lhd /x]sf] 5 M
-@)&* cfiff9 d;fGt ;Ddsf] ljj/0f_
aLdf sDkgLsf] hf]lvdsf] aLdf ul/Psf] lk|ldod lt/]sf] aLdfn]v ;dfKtL
l;= g+= s}lkmot
gfd zLif{s /sd ?= ldlt ldlt

17
 ;+emf}tf adf]lhd
k|To]s
k|To]s cw{ aflif{sdf
lgIf]k tyf shf{ ljgf lwtf] 1,788,090,677/47
cw{jflif{sdf
!= @)&*÷%÷ #) nufgL ePsf]
;"/If0f sf]if shf{sf] aLdf lk|ldod e"Qmfg
shf{sf] aLdf
ug]{ ul/Psf]
lg/Gt/ sfod /xg]

C0fL
l/nfoan g]kfn k|To]s shf{sf] k|To]s dlxgf
;b:osf] 1,788,090,677/47
@= nfO{km O{G:of]/]G; @)&*÷$÷!$ e"QmfgL ldlt;Dd lk|ldod e"Qmfg
DofbL hLag
sDkgL lnld6]8 sfod /xg] ug]{ ul/Psf]
aLdf
gf]6 M hDdf nufgL ePsf] shf{ dWo] lwtf] shf{sf] nflu 3/hUuf ljQLo ;+:yfsf] gfddf lwtf] kfl/t u/L lnPsf]
5.
@_ ;fy}, sf]le8 !( jf6 kg{ ;Sg] hf]lvd Go'lgs/0fsf] nflu u|fxs;+u lgoldt ;Dks{df /xg], lghx?sf] dfu tyf
cfjZostfnfO{ dWogh/ u/L shf{ k|jfx ug]{, lgofdsn] lgb]{zg u/] adf]lhd shf{ e'StfgLsf] cjlw leqd}
shf{ e'Stfg ug{ u|fxsnfO{ k|]l/t ug]{ h:tf pkfox? cjnDjg ul/g]5 .
lwtf]kqsf]] d"No kl/jt{g ;DaGwL hf]lvd M
?= !)) k|lt z]o/sf] b/n] lgisfzg ul/Psf] d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]jf/n] z]o/ d"Nodf x'g
;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .
(= ljQLo ljj/0fM
s_ ljQLo ljj/0f / tT;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f M
-s_ ;+ul7t ;+:yfsf] n]vfk/LIf0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg lx;fa
afF8kmfF8 / gub k|jfx ljj/0f M
o; sDkgLsf] cf=j= @)&&÷)&* sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf—gf]S;fg lx;fa, gfkmf—gf]S;fg afF8kmfF8
lx;fa tyf gub k|jfxsf] ljj/0f lgDgfg';f/ 5 M
jf;nft
jf:tljs -?=xhf/df_
k"FhL tyf bfloTj
cf=a= @)&&÷&*
!= z]o/ k"FhL 175,000
@= hu]8f tyf sf]ifx? 118,000
#= C0fkq tyf a08 -
$= ltg{ afFsL shf{ ;fk6 21,57,681
%= lgIf]k bfloTj 640,650
^= k|:tfljt gub nfef+z -
&= cfos/ bfloTj 20,592
*= cGo bfloTj 85,926
s'n k"FhL tyf bfloTj 31,97,848
;Dklt
!= gub df}Hbft -l;Ssf ;d]]t_ 520
@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft -
#= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 5,33,272
$= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd -
%= nufgL 28,000
^= shf{ ;fk6 25,85,216
&= l:y/ ;DklQ 19,362
*= u}/ a}lsË ;DklQ -
(= cGo ;DklQ 31,478
s'n ;DklQ 31,97,848

gfkmf—gf]S;fg lx;fa
ljj/0f jf:tljs -?=xhf/df_

18
 cf=a= @)&&÷&*
!=Aofh cfDbfgL 2,89,674
@=Aofh vr{ 10,04,34
v'b Aofh cfDbfgL 1,89,240
#=sldzg tyf cGo ;~rfng cfDbfgL 52,298
$=;6xL 36j9 cfDbfgL -
s'n ;~rfng cfDbfgL 2,41,538
%=sd{rf/L vr{ 1,02,828
^=cGo ;~rfng vr{ 48,370
&=;6xL 36j9 gf]S;fg -
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 90,340
*=;Defljt gf]S;fgL Joj:yfx? 16,474
;~rfng d'gfkmf 73,866
(=u}/ ;+~rfng cfDbfgL ÷ vr{ -
!)=;Defljt gf]S;fgL Joj:yf af6 lkmtf{ 2,233
lgoldt sf/f]jf/af6 ePsf] d'gfkmf 76,100
!!=c;fdfGo sf/f]jf/jf6 ePsf] cfDbfgL÷vr{ (1,688)
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 74,412
!@=sd{rf/L af]g; Joj:yf 7,441
!#=cfos/ Joj:yf 19,861
o; jif{sf] s/ Joj:yf 21,252
ljut jif{;Ddsf] s/ Joj:yf -
o; jif{sf]] :yug s/ cfDbfgL (1,391)
v'b gfkmf÷gf]S;fg 47,109

gfkmf—gf]S;fg afF8kmfF8 lx;fa

jf:tljs -?=xhf/df_
ljj/0f
cf=a= @)&&÷&*
cfDbfgL
!= ut jif{;Ddsf] ;+lrt d'gfkmf 25,685
@= o; jif{sf] d'gfkmf 47,109
#= ;6xL 36a9 sf]if -
hDdf 72,794
vr{ -
!= ut jif{;Ddsf] ;l~rt gf]S;fg -
@= o; jif{sf] gf]S;fg -
#= ;fwf/0f hu]8fsf]if 9,422
$= e}k/L cfpg] hu]8f -
%= ;+:yf ljsf; sf]if -
^= nfef+z ;dLs/0f sf]if -
&= sd{rf/L ;DjGwL hu]8fx? -
*= k|:tfljt nfef+z -
(= k|:tfljt af]g; z]o/ -
!)= ljz]if hu]8f sf]if -
!!= ;6xL 36a9 sf]if -
!@= k"FhL lkmtf{ hu]8f sf]if -
!#= k"FhL ;dfof]hg sf]if -
!$= u|fxs ;+/If0f sf]if 471
!%= :yug s/ hu]8f sf]if -
!^=;+:yfut ;fdflhs pQ/bfloTj sf]if 471
hDdf 10,364
19
 !%= ;l~rt d"gfkmf÷-gf]S;fg_ 62,430

gub k|jfx ljj/0f

jf:tljs -?=xhf/df_
ljj/0f
cf=a= @)&&÷&*
sf/f]af/ ;~rfngaf6 gub k|jfx 291,249
gub k|flKt 347,184
Aofh cfDbfgL 294,452
ckn]lvt shf{sf] c;'nL 434
sldzg tyf cGo cfDbfgL 52,298
gub e'QmfgL 2,61,792
Aofh vr{ 1,00,434
sd{rf/L vr{ 1,02,828
sfof{no ;~rfng vr{ 44,521
cfos/ e'QmfgL 6,719
cGo vr{ 7,290
sfo{ut k"FhL ultljlw cl3sf] gub k|jfx 85,392
;~rfng ;DalGw rfn' ;DklQdf sdL÷-a[l¢_ (13,24,338)
dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ -
cGo cNksfnLg nufgLdf sdL÷-a[l4_ -
shf{df sdL÷-a[l4_ (13,08,505)
cGo ;DklQdf sdL÷-a[l¢_ (15,833)
;~rfng ;DalGw rfn" bfloTjdf -sdL_÷a[l4 15,30,195
lgIf]k bfloTjdf -sdL_÷a[l¢ 21,756
cNksfnLg ;fk6Ldf -sdL_ ÷ a[l4 14,88,498
cGo bfloTjdf -sdL_÷ a[l4 19,942
nufgL sf/f]jf/df gub k|jfx (4,803)
bL3{sfnLg nufgLdf sdL÷-a[l4_ 10
l:y/ ;Dkltdf sdL÷-a[l¢_ (4,813)
bL3{sfnLg nufgLdf Aofh cfDbfgL -
nfef+z cfDbfgL -
cGo -
ljQLo >f]t sf/f]jf/af6 gub k|jfx -
bL3{sfnLg C0f -j08, l8j]Gr/ cflb_ df a[l4÷-sdL_ -
z]o/ k'+hLdf a[l¢÷-sdL_ -
cGo bfloTjdf a[l4÷-sdL_ -
g]kfn /fi6« a}+sjf6 k||fKt ;x'lnot÷k'g/shf{df a[l¢÷-sdL_ -
gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/sjf6 cfDbfgL÷vr{ -
o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 2,86,446
gub tyf a}+sdf /x]sf] z'? df}Hbft 2,47,346
gub tyf a}+sdf /x]sf] clGtd df}Hbft 5,33,792

-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 M
o; sDkgLn] n3'ljQ ljQLo ;+:yfsf] ?kdf cfˆgf] sf/f]jf/ @)&%÷!)÷!^ ut]b]lv k|f/De u/]sf] x'Fbf sDkgLsf]
cf=j=@)&%÷)&^, @)&^÷)&& / @)&&÷)&* sf] n]vfk/LIfs eO{ ;s]sf]n] pQm cjlwsf] jf;nft,gfkmf gf]S;fg
lx;fa / gfkmf gf]S;fg afF8kmfF8sf] ljQLo ljj/0f b]xfo adf]lhd k|:t't ul/Psf] 5 .

jf;nft
jf:tljs -?=xhf/df_
k"FhL tyf bfloTj
cf=a= @)&%÷&^ cf=a= @)&^÷&& cf=a= @)&&÷&*
20
!= z]o/ k"FhL 1,75,000 1,75,000 175,000
@= hu]8f tyf sf]ifx? 57,338 72,742 118,000
#= C0fkq tyf a08 - - -
$= ltg{ afFsL shf{ ;fk6 4,82,546 6,69,183 21,57,681
%= lgIf]k bfloTj 4,94,958 6,18,895 640,650
^= k|:tfljt gub nfef+z - - -
&= cfos/ bfloTj 2,578 6,719 20,592
*= cGo bfloTj 37,999 58,542 85,926
s'n k"FhL tyf bfloTj 12,50,419 1,601,081 31,97,848
;Dklt
!= gub df}Hbft -l;Ssf ;d]]t_ 351 440 520
@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft - - -
#= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 1,94,777 2,46,906 5,33,272
$= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd - - -
%= nufgL 40,000 28,010 28,000
^= shf{ ;fk6 9,85,295 12,91,385 25,85,216
&= l:y/ ;DklQ 14,871 20,086 19,362
*= u}/ a}lsË ;DklQ - - -
(= cGo ;DklQ 15,125 14,254 31,478
s'n ;DklQ 12,50,419 16,01,081 31,97,848
gfkmf gf]S;fg lx;fa
jf:tljs -?=xhf/df_
ljj/0f cf=a=
cf=a= @)&%÷&^ cf=a= @)&^÷&&
@)&&÷&*
!=Aofh cfDbfgL 82,842 2,01,449 2,89,674
@=Aofh vr{ 39,990 90,337 10,04,34
v'b Aofh cfDbfgL 42,852 1,11,112 1,89,240
#=sldzg tyf cGo ;~rfng cfDbfgL 7,807 31,239 52,298
$=;6xL 36j9 cfDbfgL - - -
s'n ;~rfng cfDbfgL 50,660 1,42,351 2,41,538
%=sd{rf/L vr{ 26,095 81,748 1,02,828
^=cGo ;~rfng vr{ 12,978 36,690 48,370
&=;6xL 36j9 gf]S;fg - - -
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 11,587 23,914 90,340
*=;Defljt gf]S;fgL Joj:yfx? 3,144 3,139 16,474

;~rfng d'gfkmf 20,775 73,866

8,443
(=u}/ ;+~rfng cfDbfgL ÷ vr{ - - -
!)=;Defljt gf]S;fgL Joj:yf af6 lkmtf{ 1,233 4,509 2,233
lgoldt sf/f]jf/af6 ePsf] d'gfkmf 9,676 25,284 76,100
!!=c;fdfGo sf/f]jf/jf6 ePsf] cfDbfgL÷vr{ - - (1,688)
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 9,676 25,284 74,412
!@=sd{rf/L af]g; Joj:yf 880 2,528 7,441
!#=cfos/ Joj:yf (577) 6,203 19,861
o; jif{sf] s/ Joj:yf 2,578 7,182 21,252
ljut jif{;Ddsf] s/ Joj:yf - - -
o; jif{sf]] :yug s/ cfDbfgL (3,154) (979) (1,391)
v'b gfkmf÷gf]S;fg 9,373 16,553 47,109
k|lt z]o/ cfDbfgL 5.36 9.46 26.92

gfkmf gf]S;fg afF8kmfF8 lx;fa

ljj/0f jf:tljs -?=xhf/df_

21
 cf=a= cf=a= cf=a=
@)&%÷&^ @)&^÷&& @)&&÷&*
cfDbfgL
!= ut jif{;Ddsf] ;+lrt d'gfkmf 11,060 12,784 25,685
@= o; jif{sf] d'gfkmf 9,373 16,553 47,109
#= ;6xL 36a9 sf]if - - -
hDdf 20,434 29,337 72,794
vr{ -
!= ut jif{;Ddsf] ;l~rt gf]S;fg - - -
@= o; jif{sf] gf]S;fg - - -
#= ;fwf/0f hu]8fsf]if 4,087 3,311 9,422
$= e}k/L cfpg] hu]8f - - -
%= ;+:yf ljsf; sf]if - - -
^= nfef+z ;dLs/0f sf]if - - -
&= sd{rf/L ;DjGwL hu]8fx? - - -
*= k|:tfljt nfef+z - - -
(= k|:tfljt af]g; z]o/ - - -
!)= ljz]if hu]8f sf]if - - -
!!= ;6xL 36a9 sf]if - - -
!@= k"FhL lkmtf{ hu]8f sf]if - - -
!#= k"FhL ;dfof]hg sf]if - - -
!$= u|fxs ;+/If0f sf]if 204 166 471
!%= :yug s/ hu]8f sf]if 3,154 - -
!^=;+:yfut ;fdflhs pQ/bfloTj sf]if 204 166 471
hDdf 7,650 3,642 10,364
!%= ;l~rt d"gfkmf÷-gf]S;fg_ 12,784 25,695 62,430

gub k|jfx ljj/0f

jf:tljs -?=xhf/df_
ljj/0f cf=a= cf=a= cf=a=
@)&%÷&^ @)&^÷&& @)&&÷&*
sf/f]af/ ;~rfngaf6 gub k|jfx 14,311 50,902 291,249
gub k|flKt 91,264 2,35,611 347,184
Aofh cfDbfgL 82,842 2,03,990 294,452
ckn]lvt shf{sf] c;'nL 615 379 434
sldzg tyf cGo cfDbfgL 7,807 31,242 52,298
gub e'QmfgL 79,650 210,049 2,61,792
Aofh vr{ 39,990 90,337 1,00,434
sd{rf/L vr{ 26,095 81,748 1,02,828
sfof{no ;~rfng vr{ 11,231 31,234 44,521
cfos/ e'QmfgL 2,334 2,578 6,719
cGo vr{ - 4,153 7,290
sfo{ut k"FhL ultljlw cl3sf] gub k|jfx 11,614 25,562 85,392
;~rfng ;DalGw rfn' ;DklQdf sdL÷-a[l¢_ (10,15,081) (3,03,248) (13,24,338)
dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf
sdL÷ - -
-a[l4_ -
cGo cNksfnLg nufgLdf sdL÷-a[l4_ - - -
shf{df sdL÷-a[l4_ (10,02,290) (3,05,098) (13,08,505)
cGo ;DklQdf sdL÷-a[l¢_ (12,791) 1,850 (15,833)
;~rfng ;DalGw rfn" bfloTjdf -sdL_÷a[l4 10,17,778 3,28,589 15,30,195
lgIf]k bfloTjdf -sdL_÷a[l¢ 4,94,958 1,23,937 21,756

22
 cNksfnLg ;fk6Ldf -sdL_ ÷ a[l4 482,546 1,86,637 14,88,498
cGo bfloTjdf -sdL_÷ a[l4 40,274 18,015 19,942
nufgL sf/f]jf/df gub k|jfx (56,618) 1,316 (4,803)
bL3{sfnLg nufgLdf sdL÷-a[l4_ (40,000) 11,990 10
l:y/ ;Dkltdf sdL÷-a[l¢_ (16,618) (10,674) (4,813)
bL3{sfnLg nufgLdf Aofh cfDbfgL - - -
nfef+z cfDbfgL - - -
cGo - - -
ljQLo >f]t sf/f]jf/af6 gub k|jfx 2,37,435 - -
bL3{sfnLg C0f -j08, l8j]Gr/ cflb_ df a[l4÷- - -
sdL_ -
z]o/ k'+hLdf a[l¢÷-sdL_ 1,75,000 - -
cGo bfloTjdf a[l4÷-sdL_ 62,435 - -
g]kfn /fi6« a}+sjf6 k||fKt ;x'lnot÷k'g/shf{df - -
a[l¢÷-sdL_ -
gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] - -
km/sjf6 cfDbfgL÷vr{ -
o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 1,95,128 52,218 2,86,446
gub tyf a}+sdf /x]sf] z'? df}Hbft - 1,95,128 2,47,346
gub tyf a}+sdf /x]sf] clGtd df}Hbft 1,95,128 2,47,346 5,33,792

-u_ cfly{s jif{ ;dfKt ePsf] ^ dlxgf kZrft\ ljj/0fkq :jLs[ltsf] nflu k]z u/]df pQm cGtl/d cjlwsf] nflu
n]vfk/LIfsaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0f M
o; ljQLo ;+:yfsf] cfly{s jif{ @)&* ;fn kf}if d;fGtsf] n]vfkl/Ifaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0fb]xfo
adf]lhd k|:t't ul/Psf] 5 .
jf;nft
ckl/is[t -?= xhf/df_
k"FhL tyf bfloTj
kf}if d;fGt @)&*÷&(
!= z]o/ k"FhL 175,000
@= hu]8f tyf sf]ifx? 103,893
#= C0fkq tyf a08 -
$= ltg{ afFsL shf{ ;fk6 1,712,754
%= lgIf]k bfloTj 676,103
^= k|:tfljt gub nfef+z -
&= cfos/ bfloTj 13,987
*= cGo bfloTj 97,852
s'n k"FhL tyf bfloTj 2,779,590
;Dklt
!= gub df}Hbft -l;Ssf ;d]]t_ 451
@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft -
#= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 193,224
$= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd -
%= nufgL 28,000
^= shf{ ;fk6 2,488,698
&= l:y/ ;DklQ 23,600
*= u}/ a}lsË ;DklQ -
(= cGo ;DklQ 45,618
s'n ;DklQ 2,779,590

gfkmf gf]S;fg lx;fa

ckl/is[t -?=xhf/df_
ljj/0f
kf}if d;fGt @)&*÷&(
!=Aofh cfDbfgL 185,305

23
 @=Aofh vr{ 64,287
v'b Aofh cfDbfgL 121,018
#=sldzg tyf cGo ;~rfng cfDbfgL 45,751
$=;6xL 36j9 cfDbfgL -
s'n ;~rfng cfDbfgL 166,769
%=sd{rf/L vr{ 70,886
^=cGo ;~rfng vr{ 32,287
&=;6xL 36j9 gf]S;fg -
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 63,596
*=;Defljt gf]S;fgL Joj:yfx? 12,985
;~rfng d'gfkmf 50,611
(=u}/ ;+~rfng cfDbfgL ÷ vr{ -
!)=;Defljt gf]S;fgL Joj:yf af6 lkmtf{ 1,194
lgoldt sf/f]jf/af6 ePsf] d'gfkmf 51,805
!!=c;fdfGo sf/f]jf/jf6 ePsf] cfDbfgL÷vr{
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 51,805
!@=sd{rf/L af]g; Joj:yf 5,181
!#=cfos/ Joj:yf 13,987
o; jif{sf] s/ Joj:yf -
ljut jif{;Ddsf] s/ Joj:yf -
o; jif{sf]] :yug s/ cfDbfgL -
v'b gfkmf÷gf]S;fg 32,637

-3_ cfDbfgL / vr{ lx;fjsf] s'g} zLif{sdf 7"nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0fM ;f] gePsf] .
-ª_ kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft ;+ul7t ;+:yfsf] sf/f]af/, gfkmf gf]S;fg, ;DklQsf] d"No jf
cfufdL !@ dlxgfsf] bfloTj e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5÷5}g ;f] ;DaGwdf ;~rfnsx?sf]
wf/0ffM;f] gePsf] .
-r_ cfly{s jif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLs[lt x'g] ldlt;Dddf jf;nftsf]
ldlt kl5sf] 36gfsf] jf/]df 5'§} hfgsf/LM;f] gePsf] .
-5_ ljut % jif{df ;DklQsf] k'gd"{Nof+sg ul/Psf] 5÷5}g, olb ul/Psf] eP -c_ ;DklQsf] ljj/0f, -cf_ ;DklQsf]
k"gd"{Nof+sg cl3 / kl5sf] lstfjL d"No, -O{_ k"gd"{Nof+sgsf] cf}lrTo M;f] gePsf] .
-h_ cfufdL tLg jif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x?M
ljQLo ;+:yfsf] cfufdL # cfly{s jif{sf] nflu k|If]lkt ljQLo l:ylt b]xfo adf]lhd /x]sf] 5 M
jf;nft
k|If]lkt -?=xhf/df_
k"FhL tyf bfloTj cf=a= cf=a= cf=a=
2078/079 2079/080 2080/081
!= z]o/ k"FhL 260,000 260,000 260,000
@= hu]8f tyf sf]ifx? 189,299 379,122 642,194
#= C0fkq tyf aG8 - - -
$= ltg{ afFsL shf{ ;fk6 3,291,521 5,236,028 7,887,520
%= lgIf]k bfloTj 910,976 1,066,463 1,299,695
^= k|:tfljt gub nfef+z - - -
&= cfos/ bfloTj 35,657 86,047 117,747
*= cGo bfloTj 119,416 158,651 199,167
s'n k"FhL tyf bfloTj 4,806,869 7,186,311 10,406,323
;Dklt
!= gub df}Hbft -l;Ssf ;d]]t_ 600 700 800
@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft - -
#= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 316,363 450,333 338,627
$= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd - - -
%= nufgL 33,000 34,000 34,000
^= shf{ ;fk6 4,386,232 6,570,914 9,847,093

24
&= l:y/ ;DklQ 17,929 15,767 14,419
*= u}/ a}lsË ;DklQ - - -
(= cGo ;DklQ 52,746 114,597 171,384
s'n ;DklQ 4,806,869 7,186,311 10,406,323

Gffkmf gf]S;fg lx;fa

k|If]lkt -?=xhf/df_
ljj/0f cf=a= cf=a= cf=a=
2078/079 2079/080 2080/081
!=Aofh cfDbfgL 484,902 751,681 1,121,809
@=Aofh vr{ 245,860 305,262 518,478
v'b Aofh cfDbfgL 239,041 446,419 603,331
#=sldzg tyf cGo ;~rfng cfDbfgL 111,271 135,774 154,094
$=;6xL 36j9 cfDbfgL - -
s'n ;~rfng cfDbfgL 350,312 582,193 757,425
%=sd{rf/L vr{ 153,793 186,090 225,168
^=cGo ;~rfng vr{ 56,961 67,373 80,230
&=;6xL 36j9 gf]S;fg - -
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 139,558 328,730 452,027
*=;Defljt gf]S;fgL Joj:yfx? 11,651 15,453 22,608
;~rfng d'gfkmf 127,907 313,278 429,419
(=u}/ ;+~rfng cfDbfgL ÷ vr{ - - -
!)=;Defljt gf]S;fgL Aoj:yf af6 lkmtf{ - - -
lgoldt sf/f]jf/af6 ePsf] d'gfkmf 127,907 313,278 429,419
!!=c;fdfGo sf/f]jf/jf6 ePsf] cfDbfgL÷vr{ - -
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 127,907 313,278 429,419
!@=sd{rf/L af]g; Aoj:yf 12,791 31,328 42,942
!#=cfos/ Joj:yf 34,565 84,615 115,973
o; jif{sf] s/ Joj:yf 35,657 86,047 117,747
ljut jif{;Ddsf] s/ Joj:yf - -
o; jif{sf]] :yug s/ cfDbfgL (1,092) (1,432) (1,774)
v'b gfkmf÷gf]S;fg 80,552 197,335 270,505

Gffkmf gf]S;fg lx;fj afF8kmfF8

k|If]lkt -?=xhf/df_
ljj/0f cf=a= cf=a= cf=a=
2078/079 2079/080 2080/081
cfDbfgL
!= ut jif{;Ddsf] ;+lrt d'gfkmf 62,430 124,168 276,658
@= o; jif{sf] d'gfkmf 80,552 197,335 270,505
#= ;6xL 36j9 sf]if - - -
hDdf 142,982 321,503 547,162
vr{
!= ut jif{;Ddsf] ;l~rt gf]S;fg - - -
@= o; jif{sf] gf]S;fg - - -
#= ;fwf/0f hu]8fsf]if 16,110 39,467 54,101
$= e}k/L cfpg] hu]8f - - -
%= ;+:yf ljsf; sf]if - - -
^= nfef+z ;dLs/0f sf]if - - -
&= sd{rf/L ;DjGwL hu]8fx? - - -
*= k|:tfljt nfef+z - - -
(= k|:tfljt af]g; z]o/ - - -
!)= ljz]if hu]8f sf]if - - -
25
 !!= ;6xL 36a9 sf]if - - -
!@= k"FhL lkmtf{ hu]8f sf]if - - -
!#= k"FhL ;dfof]hg sf]if - - -
!$= u|fxs ;+/If0f sf]if 806 1,973 2,705
!%= :yug s/ hu]8f sf]if 1,092 1,432 1,774
!^=;+:yfut ;fdflhs pQ/bfloTj sf]if 806 1,973 2,705
hDdf 18,814 44,846 61,285
!&= ;l~rt d"gfkmf÷-gf]S;fg_ 124,168 276,658 485,877

gub k|jfx ljj/0f

k|If]lkt -?=xhf/df_
ljj/0f cf=a= cf=a= cf=a=
2078/079 2079/080 2080/081
sf/f]af/ ;~rfngaf6 gub k|jfx (293,129) 137,570 (108,606)
gub k|flKt 596,172 887,455 1,275,903
Aofh cfDbfgL 484,902 751,681 1,121,809
ckn]lvt shf{sf] c;'nL - - -
sldzg tyf cGo cfDbfgL 111,271 135,774 154,094
gub e'QmfgL 471,626 614,821 935,713
Aofh vr{ 224,463 292,955 500,017
sd{rf/L vr{ 166,584 217,417 268,110
sfof{no ;~rfng vr{ 51,828 62,711 75,881
cfos/ e'QmfgL 20,592 35,657 86,047
cGo vr{ 8,160 6,080 5,658
sfo{ut k"FhL ultljlw cl3sf] gub k|jfx 124,547 272,634 340,190
;~rfng ;DalGw rfn' ;DklQdf sdL÷-a[l¢_ (1,833,934) (2,261,986) (3,355,574)
dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ - - -
cGo cNksfnLg nufgLdf sdL÷-a[l4_ - - -
shf{df sdL÷-a[l4_ (1,812,667) (2,200,134) (3,298,787)
cGo ;DklQdf sdL÷-a[l¢_ (21,268) (61,851) (56,787)
;~rfng ;DalGw rfn" bfloTjdf -sdL_÷a[l4 1,416,259 2,126,922 2,906,778
lgIf]k bfloTjdf -sdL_÷a[l¢ 270,325 155,488 233,232
cNksfnLg ;fk6Ldf -sdL_ ÷ a[l4 1,133,840 1,944,506 2,651,492
cGo bfloTjdf -sdL_÷ a[l4 12,093 26,927 22,054
nufgL sf/f]jf/df gub k|jfx (8,700) (3,500) (3,000)
bL3{sfnLg nufgLdf sdL÷-a[l4_ (5,000) (1,000) -
l:y/ ;Dkltdf sdL÷-a[l¢_ (3,700) (2,500) (3,000)
bL3{sfnLg nufgLdf Aofh cfDbfgL - - -
nfef+z cfDbfgL - - -
cGo - - -
ljQLo >f]t sf/f]jf/af6 gub k|jfx 85,000 - -
bL3{sfnLg C0f -j08, l8j]Gr/ cflb_ df a[l4÷-sdL_ - - -
z]o/ k'+hLdf a[l¢÷-sdL_ 85,000 - -
nfef+z e"QmfgL -
cGo bfloTjdf a[l4÷-sdL_ - - -
g]kfn /fi6« a}+sjf6 k||fKt ;x'lnot÷k'g/shf{df a[l¢÷ - - -
-sdL_
gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] - - -
km/sjf6 cfDbfgL÷vr{
o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx (216,829) 134,070 (111,606)
gub tyf a}+sdf /x]sf] z'? df}Hbft 533,792 316,963 451,033
26
 gub tyf a}+sdf /x]sf] clGtd df}Hbft 316,963 451,033 339,427

ljQLo k|If]k0fsf cfwf/ tyf tl/sfx? cf}lrTo k'i6L x'g] ljj/0f M

ljQLo k|If]k0fsf cfwf/ tyf tl/sfx? M
ljj/0f cf=a= cf=a= cf=a=
2078/079 2079/080 2080/081
s'n lgIf]kdf cf}ift a[l4b/ -k|ltztdf_ 42.20% 17.07% 21.87%
s'n shf{ tyf ;fk6df cf}ift a[l4b/ -k|ltztdf_ 69.29% 49.68% 49.77%
s"n shf{ tyf lgIf]k ÷k"FhLsf]if cg'kft -k|ltztdf_ 10.05% 9.82% 9.42%
s'n cfodf cf}ift a[l4b/ 71.15% 51.62% 46.28%
s'n vr{df cf}ift a[l4b/ 81.19% 25.70% 46.91%
;+rfng vr{ tyf s'n cfDbfgL cg'kft 43.42% 36.00% 36.15%
v'b d'gfkmfdf cf}ift a[l4b/ 70.99% 144.98% 37.08%
lgIf]ksf] cf}ift Aofhb/ -k|ltztdf_ 5.00% 5.00% 5.00%
shf{ tyf ;fk6sf] cf}ift Aofhb/-k|ltztdf_ 7.60% 6.00% 7.00%
cfos/ Aoj:yf -k|ltztdf_ 30% 30% 30%
lgl:qmo shf{ ;fk6 -k|ltztdf_ 0.80% 0.59% 0.43%
cGo ;+rfng vr{sf j[l4b/ 39.39% 20.26% 20.49%
sd{rf/L vr{df a[l4b/ 51.07% 30.52% 23.32%
% of Provision on Total Gross Loan 0.96% 0.87% 0.81%
t/ntf(CRR) 0.55% 0.55% 0.55%
j}wflgs t/ntf cg'kft(SLR) 7.54% 7.16% 3.69%
hf]lvd efl/t ;DklQdf k"+hLsf]ifsf] kof{Kttf
-s_ k|fylds k'hLsf]if 8.96% 8.78% 8.47%
-v_ k'/s k"+hLsf]if 0.60% 0.61% 0.61%
-u_ s'n k"+hLsf]if (CAR) 9.57% 9.39% 9.08%

!= z]o/ k"FhLM cf=j=@)&*÷&( sf] z]o/ k"FhLdf ;j{;fwf/0fnfO{ z]o/ lgisfzg u/]sf] z]o/ k"FhL ;dfj]z ul/Psf] 5 .
@= ;fk6L M gofF zfvfx? vf]n]kl5 nlIft C0f tyf ;fk6Lx? ;f]xL cg';f/ j[l4 x'g] / zfvfx? b]xfo adf]lhd vf]Ng]
k|If]k0f ul/Psf] M
@)&*÷&( df ^ j6f zfvfx?
@)&(÷*) df !) j6f zfvfx?
@)*)÷*! Dff !) j6f zfvfx?
#= lgIf]k bfloTj M xfn e}/x]sf] zfvfx?af6 lgIf]k ;+sngdf j[l4 e}/x]sf] / yk gofF zfvfx?af6 ;d]t lgIf]k ;+sng
x'g] k|If]k0f ul/Psf] .
$= cGo bfloTj M sd{rf/Lx?sf] af]gz tyf cjsfz sf]ifsf] k|fjwfgsf sf/0f cGo bfloTjdf j[l4 ePsf] .
%= shf{ ;fk6 M xfn e}/x]sf] zfvfx?af6 / yk gofF zfvfx?af6 ;+sng ePsf] artaf6 shf{ ;fk6 /sd j[l4 x'g]
ePsf] .
^= gofF vf]lng] zfvfx?df yk ul/g] l:y/ ;DkQLnfO{ cf}ift cfwf/df u0fgf ul/Psf] .
&= Aofh cfDbfgL M Aofh cfDbfgL u0fgf ubf{ C0f / clu|daf6 k|fKt ePsf] Aofh / a}+sdf hDdf u/]sf] /sdaf6 k|fKt
ePsf] Aofh ;dfj]z ul/Psf] . @)&*÷&(,@)&(÷*) / @)*)÷*! df cf}iftdf ^)=$) k|ltzt j[l4 x'g] k|If]k0f
ul/Psf] .

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

-s_ ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt e}g;s]sf] cj:yfdf ;~rfng
cjlwsf] tyf cfufdL tLg jif{sf] k|If]lkt k|lt z]o/ cfDbfgL (EPS)tyf k|lt z]o/ g]6jy{ M
jf:tljs -?=xhf/df_ k|If]lkt-?=xhf/df_
ljj/0f cf=a= cf=a= cf=a= cf=a= cf=a= cf=a=
@)&%÷&^ @)&^÷&& @)&&÷&* @)&*÷&( @)&(÷*) @)*)÷*!
r'Qmf k'+hL 175,000 175,000 175,000 260,000 260,000 260,000
hu]8f tyf sf]ifx? 57,338 72,742 118,000 189,299 379,122 642,194
s'n 232,338 247,742 293,000 449,299 639,122 902,194

27
 36fpg] M ckn]vg ug{
afFsL vr{ (Fictitious - - - - - -
Assets)
s'n g]6jy{ 232,338 247,742 293,000 449,299 639,122 902,194
z]o/ ;+Vof -xhf/df_ 1,750 1,750 1,750 2,600 2,600 2,600
k|lt z]o/ g]6jy{ -?=_ 132.76 141.57 167.43 172.81 245.82 347.00
k|lt z]o/ r'Qmf k'+hL 100 100 100 100 100 100
g]6jy{df cf};t k|ltkmn 4.03 6.68 16.08 17.93 30.88 29.98
-Ü_
k|lt z]o/ cfDbfgL -?=_ 5.36 9.46 26.92 30.98 75.90 104.04

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

-u_ lgisfzg k"j{sf] k|lt z]o/ cfDbfgL (EPS)sfod /fVg a[l4 x'g] g]6jy{df cfjZos Go"gtd k|ltkmn M !@=$^Ü

sDkgLsf] 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 cfrfo{ ;'dg P;f]l;P6\;sf sf rf6{8{ Psfp6]06 >L
;'dg cfrfon] ug'{ePsf] xf] .

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

s_ lwtf]kq hf/L ug'{sf] p2]Zo M
c= 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|aGw–kqdf hf/L k"FhLsf] #@=^(Ü z]o/ ;j{;fwf/0fdf laqmL ug'{kg]{ k|fjwfg cg'?k ?=
*,%),)),)))÷– -cIf/]kL cf7 s/f]8 krf; nfv_/sd a/fa/sf] 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 .
cf= ljQLo ;+:yfn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pjd\ cfly{s ultljlwx?nfO{ lj:tf/ ug{ cfjZos
kg]{ k"FhLsf] Joj:yf ug{ .
O= ljQLo ;+:yfsf] k|aGw–kq tyf lgodfjnLdf pNn]v ul/Psf p2]Zox? cg'?k ug'{kg]{ sfo{x?sf] nflu cfjZos kg]{
k"FhL ;+sng ug{ .

v_ lwtf]kq lgisfzgaf6 k|fKt k"FhLsf] pkof]u M

-s_ lgisfzgaf6 k|fKt x'g] s"n /sdnfO{ s;/L / s'g If]qdf k|of]u ul/g] 5 tT;DaGwL ljj/0f M
lgisfzgaf6 k|fKt x'g] s'n /sd tn pNn]lvt ljleGg If]qx?df k|of]u x'g]5 M
qm=;+= If]q lja/0f /sd ?=
s[lif tyf kz'kfng &)) hgf u|fxsnfO{ cf}ift ?= ! nfvsf b/n]
!= tyf Joj;flos shf{ k|jfx ug]{ ?= &),))),)))÷–
s[lifdf
!)) hgf u|fxsnfO{ cf}ift ?= ! nfvsf b/n]
@= ;]jf Joj;fo ?=!),))),)))÷–
shf{ k|jfx
kmlg{r/sf] nflu ?=!,@)),)))÷–
^ j6f gofF zfvfx?
# sfof{no ;+rfng vr{sf] nflu ?=()),)))÷–
;+rfng ug{
sd{rf/Lsf] tna eQfsf] nflu ?=@,()),)))÷–
hDdf ?=*%,))),)))÷–

-v_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|flKt ug{sf] nflu
ckgfOg] j}slNks Joj:yf M
ljutdf cGo n3'ljQ ljQLo ;+:yfx?n] ;j{;fwf/0fdf z]o/ lgisfzg ubf{ lgisflzt z]o/x? k"0f{ ?kdf cfj]bg
k|fKt x'g] u/]sf] b]lvPsf]n] o; ljQLo ;+:yfsf] lgisflzt z]o/x? klg k"0f{ ?kdf laqmL x'g] ljQLo ;+:yfsf] wf/0ff
/x]sf] 5 . s'g} sf/0fjz k"0f{ ?kdf laqmL gePdf >Lk|e' Soflk6n lnld6]8, sf7df08f}+n] lgisfzg /sdsf] zt\k|ltzt
v/Lb ug]{ k|Tofe"lt ;D´f}tf u/]sf] 5 .

-u_ cfof]hgfsf] ;~rfng :yfg, cfof]hgf r/0fa4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{, s'g} r/0f
;dfKt e};s]sf] eP ;f] ;DaGwL ljj/0f M;f] gePsf] .
28
 -3_ cfof]hgf ;DkGg x'g], kl/If0f pTkfbg z'? x'g] / k"0f{ Joj;flos pTkfbg z'? x'g] cg'dflgt ldlt M;f] gePsf] .

-ª_ ;+ul7t ;+:yfn] s'g} pks/0f v/Lb u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"No jf k|:tfljt d"No, ;Knfo;{sf]
gfd / ;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d"Vo d"Vo a'Fbfx? M;f] gePsf] .
-r_ s'g} kf6L{;Fu k|ltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, /f]oN6L, ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws ;Demf}tf
ul/Psf] eP ;f] sf] k|d'v zt{x? / kf6L{sf] gfd, 7]ufgf ;DaGwL lj:t[t ljj/0f M ;f] gePsf] .
-5_ pTkfbg ;DaGwL cfof]hgf eP, ;f] sf] k|s[lt, k|of]ustf{, k|lt:kwf{, nlIft ;d"x, pTkfbg Ifdtf, ljut jif{x?sf]
Ifdtf pkef]u jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M;f] gePsf] .

-h_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M;f] gePsf] .

-em_ cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M;f] gePsf] .
-~f_ ;fj{hlgs lgisfzgsf nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Ns ;DaGwL ljj/0fM
-c_ lgisfzg tyf laqmL k|aGws M
o; ljj/0fkq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fdf laqmL ul/g] ;fwf/0f z]o/sf] lgisfzg tyf laqmL k|aGws
;DaGwL sfo{ ug{sf nflu PgcfOlaPn P; Soflk6n lnld6]8, nflhDkf6, sf7df8f}+nfO{ lgo'Qm ul/Psf] / pQm
;]jf k|bfg u/] afktPgcfOlaPn P; Soflk6n lnld6]8nfO{ Psd'i7 ?= !,)),)))÷– -cIf/]kL Ps nfv
?k}of dfq_ ;]jf z'Nssf] ?kdf lbOg]5 .
-cf_ 6«li6 -l8j]Gr/lgisfzgsf] xsdf_ M lgisfzg ul/g] lwtf]kq l8j]Gr/ geO{ ;fwf/0f z]o/ ePsf] .
-O_ k|Tofe"ltstf{ M>L k|e' Soflk6n lnld6]8, sf7df8f}+nfO{ k|Tofe'lt ;]jf k|bfg u/] afkt ?= $%,)))÷– sldzgsf]
?kdf lbOg] 5 .
-O{_ lj1x? M ;f] gePsf] .
-p_ n]vfk/LIfs M ljQLo ;+:yfsf] k|If]lkt ljQLo ljj/0fx?sf] k'g/fjnf]sg u/L k|dfl0ft >L cfrfo{ ;'dg
P;f]l;P6\;sf rf6{8{ Psfp6]06 >L ;'dg cfrfo{n]ug'{ePsf] 5 .
-pm_ cGo -h:t} M ;+sng s]Gb|, lgisfzg a}+s cflb_ M
lgisfzg a}+s ;DaGwL ljj/0f M
l;=g+= a}+ssf] gfd, 7]ufgf
!= >L g]kfn OGe]i6d]06 a}+s ln=, b/af/dfu{, sf7df08f}+ .
u_ ;fj{hlgs lgisfzgaf6 k|fKt /sdnfO{ cfof]hgfdf k|of]u ug{ k"j{ cGo s'g} Joj:yf ug{ nfluPsf] 5 eg] tT;DaGwL
ljj/0fM
;f] gePsf] .

3_ lk|ldoddf lwtf]kq hf/L ug]{ ePdf M

lk|ldod yk gul/Psf]] .

ª_ lwtf]kqsf] afF8kmfF8, lkmtf{ e'QmfgL tyf ;"rLs/0f ;DaGwL ljj/0f M

-s_ cTolws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmfF8sf] k|ls|of M
o; ljj/0fkq dfkm{t hf/L ul/Psf] ;fwf/0f z]o/ v/Lbsf] nflu cTolws dfu eO{ k|fKt x'g cfPdf g]kfn lwtf]kq
af]8{sf] k|rlnt lwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$ df ePsf] Joj:yf cg';f/ z]o/ afF8kmFf8 ul/g]5
/ z]o/ afF8kmfF8 ;DaGwL ;"rgf /fli6«o :t/sf] b}lgs klqsfdf k|sflzt ul/g]5 . olb lgisfzg ul/Psf] z]o/sf]
;+Vof eGbf sd z]o/ v/Lbsfnflu b/vf:t k|fKt x'g cfPdf /Ltk"j{s k|fKt ePsf] ;Dk"0f{ z]o/ cfj]bsx?df
afF8kmfF6 u/L afFsL ePsf] z]o/ lsQf k|Tofe"tLstf{n] k|Tofe"tL ;Demf}tfdf ePsf] Joj:yf cg';f/ v/Lb ug]{5 .
-v_ cToflws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DjGwL Joj:yf M
o; ljj/0fkq dfkm{t hf/L ul/g] z]o/sf nflu ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#Æ
cg'?k l;–cf:jf(C-ASBA) ;b:o a}+s tyf ljQLo ;+:yfaf6 dfq cfj]bg lbg ;Sg]5 / cfj]bsx?sf] afF8kmfF6df
gk/]sf] z]o/ afkt /sd ;DalGwt a}+s tyf ljQLo ;+:yfn] cfj]bsn] cfj]bg ubf{sf] avt /f]Ssf /fv]sf] vftfsf]
/sd dfq km's'jf u/L lkmtf{ e'QmfgL ul/g]5 .
-u_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Jofhb/ M
lwtf]kq v/Lb -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&# k"0f{ ?kdf nfu' eO{;s]sf] ;Gbe{df ;f] Joj:yf nfu'
gx'g] .
-3_ lwtf]kq afF8kmFf8 tyf k|df0fkq hf/L ;DjGwL k|s[of / ;dofjlw M
29
 ælwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$Æ df ePsf] Joj:yf adf]lhd k|f/lDes ;fj{hlgs lgisfzg
dfkm{t lgisflzt z]o/sf] afF8kmfF8 u/L ;DalGwt lgsfodf ;"lrs/0f kZrft\ ;DalGwt cfj]bsn] cfj]bg kmf/ddf
pknAw u/fPsf] lxtu|fxL vftfdf afF8kmfF8df k/]sf] z]o/ ljt/0f ug]{ Joj:yf ldnfOg]5 .
-ª_ lwtf]kq ;"rLs/0f e};s]sf] eP, To:tf] lwtf]kq ;"lrs/0f ul/Psf] lwtf]kq ahf/sf] gfd / lwtf]kqsf] sf/f]jf/ z'?
x'gsf] nflu ;+ul7t ;+:yfn] k"/f ug{'kg]{ zt{x? ;DaGwL ljj/0f M
;f] gePsf] .
-r_ lwtf]kq ;"rLs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kqx? k|rlnt P]g lgod cg';f/
;xh v/Lb, laqmL jf ljlgdo x'g ;Sg] u/fpgsf nflu ul/g] Joj:yf ;DaGwL ljj/0f M
k|f/lDes ;fj{hlgs lgisfzg ul/g] ;fwf/0f z]o/ ælwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$Æ df ePsf]
Joj:yf cg';f/ ;fwf/0f z]o/sf] afF8kmfF8 u/] kZrft\ g]kfn :6s PS;r]Gh lnld6]8df k|rlnt ;"rLs/0f ;DaGwL
Joj:yf cg';f/ ;"rLs/0f tyf l;l8P; P08 lSnol/Ë lnld6]8df lwtf]kq btf{ u/fO{ z]o/ vl/b laqmLsf] Joj:yf
ldnfOg]5 .

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

-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]kqsf] !)) k|ltztn] x'g cfpg] *,%),))) lsQf ;fwf/0f
z]o/sf] nflu ?= *,%),)),)))÷– /sd a/fa/sf] k|e' Soflk6n lnld6]8åf/f k|Tofe"lt ;]jf k|bfg ul/Psf] 5 .

-v_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo a"Fbfx? M

o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] lwtf]kqsf] k|Tofe"ltstf{;Fu d'Vo a'Fbfx? b]xfo adf]lhd /x]sf] 5 M
– k|Tofe"ltstf{n] *,%),))) lsQf z]o/x?sf] nflu k|Tofe"lt ug{ d~h'/ ub{5 .
– k|Tofe"ltstf{n] >L /fi6« pTyfg n3'ljQ ljQLo ;+:yfsf] z]o/ k|Tofe"lt ug]{ o; k|Tofe"lt ;DaGwL ;Demf}tfaf6
sa'n u/]sf] z]o/ lsQf -*,%),))) lsQf_ ;Ddsf] dfq bfloTj x'g]5 .
– k|Tofe"ltstf{n] k|Tofe"lt ug{ k|Tofe"lt /sd ?=*,%),)),))) k|Tofe"lt u/] afktsf] z'Ns -sldzg_ /sd
?=$%,)))÷– s/ s§L u/L k|Tofe"ltstf{nfO{ e'QmfgL ug{ >L /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8
d~h'/ ub{5 .
– k|Tofe"lt ul/Psf] z]o/ k"0f{ jf cf+lzs ?kdf laqmL gePdf k|Tofe"ltstf{n] laqmL x'g afFsL z]o/ k|yd kIfn]
pQm z]o/ afktsf] /sd dfu u/]sf] avt vl/b ug]{5 . ;fy}, k|yd kIfn] z]o/ afktsf] /sd k|fKt u/] kZrft\
pQm z]o/sf] :jfldTj oyflz3| k|Tofe"ltstf{nfO{ x:tfGt/0f ug'{kg]{5 .
– z]o/ k|Tofe"lt ;DaGwL ;Demf}tfsf] sfof{Gjog k|rlnt sfg"g tyf d'n'sL b]jfgL -;+lxtf_ P]g, @)&$ adf]lhd
x'g]5 .
– o; ;Demf}tfdf pNn]lvt s'/fx? ;Demf}tfdf b:tvt ePsf] ldltb]lv nfu" x'g]5 / o;sf] ;dofjlw ;Demf}tf
ePsf] ldltn] ! -Ps_ jif{ ;Ddsf] x'g]5 . sy+sbflrt pQm cjlwleq z]o/ lgisfzgsf] sfo{ gePdf b'j}kIfsf]
cfk;L ;xdltdf ;Demf}tf x'g]5 .

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/ lgisfzg 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'0ff‹df lng ;Sg] xf] ;f] ;DaGwL ljj/0f M
!= o; sDkgLsf] k|aGwkq tyf lgodfjnL sfof{no ;do leq sDkgLsf] /lhi68{ -s]Gb|Lo_ sfof{no sfe|]knf~rf]s
lhNnf, ag]kf gu/kflnsf, j8f g+ – !# ;fFufdf jf lwtf]kq lgisfzg tyf laqmL k|aGws >L PgcfOlaPn P;
Soflk6n lnld6]8, nflhDkf6, sf7df8f}+}df sfof{no ;doleq ;Dks{ /fvL x]g{ jf k|fKt ug{ ;lsg] 5 .
@= k|To]s cfj]bsn] sDtLdf !) -bz_ lsQf z]o/ v/Lbsf nflu cfj]bg lbg'kg]{5 . !) -bz_ lsQfeGbf a9L
z]o/sf nflu cfj]bg lb+bf !) -bz_ cÍsf] u'0ffg ;+Vofdf clwstd !,))) lsQf a/fa/sf] ?= !,)),)))÷–
;Ddsf] clwstd z]o/sf nflu cfj]bg lbg ;Sg]5g\ .
#= o; 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
cfkm"n] v/Lb ug{ rfx]sf] lwtf]kq ;+Vofsf] k|lt lwtf]kq ?=!)).— -Ps ;o_ sf b/n] x'g cfpg] Psd'i7 /sd
g]kfn lwtf]kq af]8{af6 Ohfhtkq k|fKt l;–cf:jf -C-ASBA_ ;b:o a}+s tyf ljQLo ;+:Yffdf hDdf u/L cfj]bg
lbg ;Sg]5 .

30
 -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] k|ltlnlk k]z ug{'kg]{ jf lwtf]kq bnfn Joj;foLn] lbPsf] u|fxssf]
kl/ro kq / ;DalGwt Joj;foLsf] gfd v'nfpg'kg]{ / a}+s vftf dfkm{t sf/f]jf/ ul/g'kg]{ h:Tff kIfx? M
!= s'g} klg g]kfnL gful/sn] o; ljj/0fkq dfkm{t hf/L ul/g] ;fwf/0f z]o/ vl/bsf nflu b/vf:t lbg ;Sg]5g
.
@= cfj]bsn] l;—cf:jf k|0ffnLaf6 cfkm\gf] vftf /x]sf] a}+s tyf ljQLo ;+:yf dfkm{t dfq cfj]bg lbg' kg]{5 .
#= cfj]bsn] cfa]bg lbg' k"j{ cfkm\gf] vftf /x]sf] ;DalGwt a}+s tyf ljQLo ;+:yfdf uO{ ælwtf]kqsf]
;fj{hlgslgisfzgsf] s]lGb|s[t ljB'lto ;]jf sfo{ ;~rfng lgb]{lzsf, @)&$Æ sf] cg';"rL $ adf]lhdsf] l;—
cf:jf /lhi6«]zgkmf/d e/L CRNg+= lng' kg]{5 .
$= cfj]bssf] a}+s vftfdf ePsf] ljj/0f / cg';"rL $ df pNn]v u/]sf] ljj/0f ldNg' kg]{5 .
%= cfj]bsn] CRNg+= k|fKt u/]kZrft\ z]o/ vl/bsf nflu tf]lsPsf] 9fFrfdf ;DalGwt a}+s tyf ljQLo ;+:yfdf
lwtf]kqvl/bsf nflu cfj]bg lbg' kg]{5 .
^= cfj]bsn] cfj]bgdf pNn]v u/]sf] lxtu|fxL kl/ro g+= / cGo ljj/0f l;—cf:jf ;km\6j]o/df /x]sf] cfj]bssf]
lxtu|fxLvftf / cGo ljj/0f;Fu ?h' x'g' kg]{5 .
&= cfj]bsn] cfj]bg kmf/d a'emfpFbf b]xfosf s'/fx?df ljz]if Wofg lbO{ :ki6 ;Fu cfj]bg kmf/d e/L a'emfpg'
kg]{5M
s= lwtf]kq lgisfzgstf{ sDkgLsf] gfd .
v= cfj]bssf] gfd, y/, 7]ufgf, gful/tf g+=, b:tvt, ;Dks{ kmf]g g+=, Od]n .
u= gfjfns / ljlIfKt AolQmsf] 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 afktsf] /sd -c+s / cIf/df_ .
r= cfj]bssf] vftf /x]sf] a}+s÷ljQLo ;+:yfsf] gfd, 7]ufgf, vftf g+= / vftfsf] lsl;d .
5= cfj]bssf] lxtu|fxL -l8Dof6_ vftf gDa/ .
*= cfa]bsn] cfj]bg lbFbf l;—cf:jf ;b:o a}+s÷ljQLo ;+:yfx?df /x]sf] cfj]bg afktsf] /sd /f]Ssf /flvg] vftf
cGos'g} k|sf/n] /f]Ssf /x]sf] jf lgis[o (Dormant) /x]sf] x'g' x'Fb}g .
(= cfj]bg lbPsf] /sd a/fa/sf] /sd vftfdf x'g' kg]{5 .
!)= Ps JolQmn] cfkm"n] vl/b ug{ rfx]sf] ;fwf/0f z]o/sf] nflu Ps eGbf a9L b/vf:t lbg] kfOg] 5}g . olb Ps
JolQmsf] gfddf Ps eGbf a9L cfj]bg k|fKt x'g cfPdf ;Dk"0f{ b/vf:tnfO{ /2 ul/g]5 .
!!= lwtf]kq vl/bsf nflu b/vf:t lbFbfsf] cj:yfdf jf b/vf:t lbO{;s]kl5 vl/b u/]sf] lwtf]kq afktsf] /sd
e'QmfgLgx'Fb} k|rlnt sfg"g adf]lhd clwsf/ k|fKt clwsf/L jf lgsfoaf6 nufgLstf{sf] vftf /f]Ssf /fVg]
cfb]z k|fKt ePdf lgisfzg tyf laqmL k|aGwsn] To:tf] b/vf:t kmf/dnfO{ cfb]z adf]lhd ul/g]5 .
!@= lwtf]kq afF8kmf6 ug'{k"j{ clVtof/ k|fKt lgsfoaf6 s'g} nufgLstf{sf] vftf /f]Ssf /fVg cfb]z jf lgb]{zg k|fKt
ePdf;DalGwt a}+s jf ljQLo ;+:yfn] To:tf] cfb]z jf lgb]{zg cg';f/ ;DalGwt nufgLstf{sf] vftf /f]Ssf
u/L To;sf]hfgsf/L t'?Gt lgisfzg tyf laqmL k|aGwsnfO{ lbg'kg]{5 .
!#= l;l8P; P08 lSnol/Ë lnld6]8af6 pknAw u/fOPsf] æd]/f] z]o/Æ ;km\6j]o/af6 klg cfa]bsn] cfj]bg ug{
;Sg]5g\ .To;sf nflu cfj]bsn] cfkm\gf] lxtu|fxL vftfdf a}+s vftfsf] ljj/0f pNn]v ul/;s]sf] x'g'kg]{5 /
;DalGwt a}+s tyf ljQLo ;+:yfaf6 CRN g+= lnO{;s]sf] x'g'kg]{5 .
!$= z]o/ afF8kmfF8 u/L ;"rLs/0f eP kZrft afF8kmfF8df k/]sf cfa]bsx?nfO{ afF8kmfF8df k/]sf] z]o/ lghx?sf]
lxtu|fxLvftfdf hDdf ug]{ Aoa:yf ul/g]5 .
!%= o; ljj/0fkq dfkm{t lgisfzg ul/g] z]o/sf vl/b nflu Go"gtd !) -bz_ lsQf tyf ;f] eGbf a9Lsf nflu
!) -bz_ c+sn] efu hfg] ;+Vofdf clwstd !,))) -Psxhf/_ lsQf ;Ddsf nflu cfj]bg lbg ;lsg] 5 .
!^= ?=% nfv ;Dd /sd a/fa/sf] cfj]bg ug]{ b/vf:tjfnfn] :j]lR5s ?kdf / ?=% nfv eGbf a9L /sd a/fa/sf]
cfj]bgug]{ b/vf:tjfnfn] clgjfo{ ?kdf :yfoL n]vf gDa/ (PAN No)b/vf:t kmf/ddf v'nfpg' kg]{5 .
!!= ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M
lgisfzgstf{ ;+ul7t ;+:yf / lgDg lnlvt kIf aLr ljut @ aif{sf] cjlwdf s'g} k|sf/sf] j:t'ut sf/f]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] JolQm M ;f] gePsf] .
-v_ cfwf/e"t z]o/wgL M ;f] gePsf] .
-u_ v08 -s_ / -v_ df pNn]lvt s'g} JolQmsf] Psf3/ kl/jf/sf] ;b:o M ;f] gePsf] .
-3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfns jf cfwf/e"t z]o/wgLn] #) k|ltzt jf ;f] eGbf a9L dtflwsf/
x'g] u/L z]o/ :jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yf M ;f] gePsf] .
-ª_ ;+ul7t ;+:yfsf] jf To;sf] ;xfos sDkgLn] xfnsf] ;~rfns jf lghsf] Psf3/ kl/jf/sf] ;b:osf nflu s'g}
sf/f]af/ jf ;Demf}tf u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # jif{ cufl8sf] cjlwdf ljQLo ;+:yfsf]]
31
 ;~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 ;f]
gePsf] .
-r_ s'g} ;~rfns jf ;~rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP pQm C0f
;DaGwL lj:t[t ljj/0f h:t} C0f jfkt lnPsf] /sd, C0fsf] Jofhb/, C0f lnPsf] ldlt, C0f e'QmfgL cjlw
cflbsf] ljj/0f M ;f] gePsf] .

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

ljb]zL nufgL / Joj:yfkgdf ;+ul7t ;+:yf ;+rfng x'g] eP ;f] sf] ljj/0fsf ;fy} ;DalGwt ;Demf}tfsf] d'Vo tyf
tflTjs a'Fbfx? M ;f] gePsf] .

!#= ;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] ;DaGwL ljj/0f M
-s_ ;+ul7t ;+:yfsf] ljut # cfly{s jif{sf] k|To]s q}dfl;s cjlwsf] pRrtd, Go"gtd, clGtd ahf/ d"Nosf ;fy}
sf/f]af/ ePsf] z]o/ ;+Vof M lgisfzgstf{ sDkgL ;"rLs[t ;+ul7t ;+:yf gePsf] .
-v_ af]8{df ljj/0fkq btf{sf] nflu k|:t't ug'{eGbf ^ dlxgf cufl8sf] cjlwsf] dfl;s ?kdf pRr, Go"g / clGtd
d"Nosf ;fy} k|To]s dlxgfdf sf/f]af/ ePsf] s'n lbg / s'n sf/f]af/ ePsf] lwtf]kqsf] ;+Vof M ;f] gePsf] .

!$= kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknlAw ;DaGwL ljj/0f M

;+ul7t ;+:yfn] o; eGbf cuf8L lwtf]kq lgisfzg ubf{ tof/ u/]sf] ljj/0fkq jf cGo ljj/0fx?df pNn]lvt ul/Psf
nIo tyf sfo{qmdx? tyf v'b d'gfkmf xfl;n ug{ ;s]÷g;s]sf], g;s]sf] cj:yfdf nIo tyf sfo{qmdsf ;fy} ljj/0fkq
jf cGo ljj/0fx?df k|If]lkt v'b d'gfkmf eGbf aL; k|ltzt jf ;f] eGbf a9Ln] Go"g x'g uPsf] eP o;/L km/s kgf{sf]
sf/0f M ;f] gePsf] .

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

-s_ n]vfk/LIfs, k|d'v a}+s, lgisfzg sfo{;Fu ;+nUg a}+s, k|If]lkt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1cflbsf]
gfd tyf 7]ufgf M
-c_ n]vfk/LIfs M
ljQLo ;+:yfsf] cf=j= @)&&÷)&* sf] ljQLo ljj/0fx?sf] n]vfk/LIf0f o"=P;=P;f]l;P6\;, cgfdgu/,
sf7df08f}sf rf6{8{ Psfp6]06 >L p4j l;njfnn] ug'{ePsf] 5 .
-cf_ lgisfzg a}+s (Bankers to the Issue)M
o; ljj/0fkq dfkm{t lgisflzt ;fwf/0f z]o/x?sf] nflu lgisfzg a}+s (Banker to the Issue) sf] ?kdf
g]kfn O{Ge]i6d]06 a}+s lnld6]8, sf7df8f}+nfO{ tf]lsPsf] 5 .
-O{_ ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1 M
o; ljj/0fkqdf pNn]v ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ;f]
cfwf/df tof/ ul/Psf ljQLo k|If]k0fsf ljj/0f oyfy{k/s /x]sf] egL k|dfl0ft ug]{ ljz]if1df >L cfrfo{
;'dg P;f]l;P6\;, sf7df08f}sf rf6{8{ Psfp6]06 >L ;'dg cfrfo{ /xg' ePsf] 5 .

-v_ dfly v08 -s_df pNn]lvt ;+:yf jf JolQm;Fu ePsf] ;xdltsf d'Vo d'Vo a"Fbf tyf zt{x? M ;f] gePsf] .

!^= cfof]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisfzg afx]s cGo ljQLo >f]tx? k|of]u ul/Psf] 5÷5}g, tT;DaGwL ljj/0f
M;f] gePsf] .

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

-s_ ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;+rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2fdfldnf jf ljjfb eP ;f]
;DaGwL ljj/0f tyf pk/f]Qm d'2f jf ljjfbsf] sf/0faf6 kg{ ;Sg] k|efj ;DaGwdf Joj:yfkgsf] wf/0ff M;f] gePsf]
.
-v_ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;~rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL ljj/0f M;f]
gePsf] .
-u_ ljut kfFr jif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;~rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf cfly{s sf/0faf6
s'g} lgodg lgsfo jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;+:yfks÷;~rfnssf] gfd / ;hfo ug]{ lgodg
lgsfo jf cbfntsf] gfd ;DaGwL ljj/0f M;f] gePsf] .
-3_ ;+ul7t ;+:yf a}+s jf ljQLo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf], lwtf]kqjfnfx?sf]
s'g} /sd e'QmfgL gul/Psf] eP tT;DaGwL ljj/0f M;f] gePsf] .

!*= u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M

lgisflzt lwtf]kq ;DaGwL nufgLstf{x?sf] u'gf;f] tyf ;'emfj ;'Gg tyf ;f] sf] ;dfwfgsf nflu lwtf]kq lgisfzg
32
 tyf laqmL k|aGws PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df8f}+df Pp6f 5'§} sIfsf] Joj:yf ul/Psf] 5 .
s'g}klg nufgLstf{n] o; lgisfzg;+u ;DalGwt ljifodf s'g} u'gf;f] jf ;'emfjsf nflu cg'kfngf clws[tnfO{ lghs}
sfo{sIfdf jf lghnfO{ sfof{no ;doleq )!–$$@%@*) -PS;6]Gzg M $!^_ df ;Dks{ ug{ ;lsg]5 .

!(= gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, v/Lb ul/Psf] ;DklQ jf ;]jf
;DaGwL ljj/0f, lgisfzg ul/Psf] lwtf]kqsf] ;+Vof / b/ ;DaGwL ljj/0f M ;f] gePsf] .

@)= C0fkq lgisfzg ;DaGwL ljj/0f M xfn;Dd sDkgLn] C0fkq hf/L u/]sf] 5}g .

@!= cu|flwsf/ z]o/ lgisfzg ;DaGwL ljj/0f M cu|flwsf/ z]o/ hf/L ul/Psf] 5}g .

@@= cGo ;fdfGo hfgsf/L M

-s_ ljz]if1sf] s'g} /fo ePdf, ;f] sf] ljj/0f M
o; ljQLo ;+:yfsf] Joj:yfkgaf6 tof/ ul/Psf] cfufdL # cfly{s jif{sf] k|If]lkt ljQLo ljj/0fnfO{ k'g/fjnf]sg
u/L >L cfrfo{ ;'dg P;f]l;P6\;sf rf6{8{ Psfp6]06 >L ;'dg cfrfo{n] k|fylds z]o/ lgisfzg ug]{ k|of]hgsfnflu
Joj:yfkgn] u/]sf] cg'dfgsf cfwf/df o;};fy ;+nUg ljQLo ljj/0fx? k|dfl0ft ub{5' egL /fo pknAw u/fpg'
ePsf] 5 . h'g cfwf/x? o;} ljj/0fkqsf] a'Fbf g+= ( s= h= df pNn]v ul/Psf] 5 .

-v_ ut tLg cfly{s jif{ leqdf s'g} ;~rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f] sf] sf/0f M
qm=
;~rfnssf] gfd cfly{s jif{ x6]sf]÷gofF lgo'lQm kl/jt{gsf] sf/0f
;+=
!= >L 6]s/fh hf]zL @)&^÷)&& x6]sf] ;+:yfn] cGo JolQm dgf]gog u/]sf]
@= >L /f3a]Gb| nfn s0f{ @)&^÷)&& x6]sf] d[To'
#= >L k|lbk s'df/ ltldnl;gf @)&^÷)&& gofF lgo'lQm ;+:yfn] dgf]gog u/]sf]
$= >L ladn 8+uf]n @)&^÷)&& gofF lgo'lQm ;+:yfn] dgf]gog u/]sf]

x6]sf]÷gofF kl/jt{gsf]
qm= ;+= n]vfkl/Ifssf] gfd cfly{s jif{
lgo'lQm sf/0f
lnªb]g kL=P08 P;f]l;P6\;sf rf6{8{
!= @)&%÷)&^ gofF lgo'lQm –
PsfpG6]G6\;sf l;P k|df]b lnªb]g
o"=P; P;f]l;o6\;sf rf6{8{ PsfpG6]G6\; l;P
@= @)&^÷)&& gofF lgo'lQm –
p4j l;njfn
o"=P; P;f]l;o6\;sf rf6{8{ PsfpG6]G6\; l;P
#= @)&&÷)&* k'glg{o'lQm –
p4j l;njfn

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

sf=d=kf=–!^, sf7df08f}+df :yfoL a;f]af; /xg' eO{ :gftsf]Q/;Ddsf] z}lIfs of]Uotf xfl;n ug'{ePsf o; ljQLo
;+:yfsf ;xfos sfo{sf/L lgb]{zs >L huGgfy s'O{+s]nnfO{ o; ljQLo ;+:yfsf] sDkgL ;lrjsf] lhDd]jf/L k|bfg
ul/Psf] 5 .

-3_ ;fj{hlgs lgisfzg ug{sf nflu ;~rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M
o; ljQLo ;+:yfsf] ldlt @)&*÷)#÷!! ut] a;]sf] ;~rfns ;ldltsf] a}7saf6 ;j{;fwf/0fsf] nflu 5'§fOPsf]
?= * s/f]8 %) nfv /sd a/fa/sf] *,%),))) lsQf ;fwf/0f z]o/ ;j{;fwf/0fdf lgisfzg ug]{ / ;f] lgisfzg
;DaGwL sfo{ ug{sfnflu >L PgcfOlaPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}nfO{ pNn]lvt *,%),)))
lsQf ;fwf/0f z]o/ ;j{;fwf/0fdf lgisfzg ug{ lwtf]kq lgisfzg tyf las|L k|aGws lgo'Qm ug]{ lg0f{o ePsf] 5
. ;fy} ljQLo ;+:yfsf] ldlt @)&&÷!@÷)* df ;DkGg bf]>f] jflif{s ;fwf/0f ;efaf6 ;d]t ;j{;fwf/0fdf z]o/
hf/L ug]{ ;DaGwL k|:tfjnfO{ ;j{;Ddt ?kdf kfl/t ePsf] 5 .

-ª_ ;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if s/ ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M;f] gePsf] .

-r_ ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f
k|fKt ug{ jf x]g{ ;Sg] 7fpF / ;do M
sfof{no ;doleq lgDglnlvt :yfgx?df sDkgLsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf–
gf]S;fg lx;fj tyf gub k|jfxsf] ljj/0f k|fKt ug{ jf lg/LIf0f ug{ ;lsg]5 .
33
 != sDkgLsf] /lhi68{ -s]Gb|Lo sfof{no_ sfe]|knf~rf]s lhNnf, ag]kf gu/kflnsf, j8f g+= !#,;fFuf .
@= lwtf]kq lgisfzg tyf laqmL k|aGws– PgcfOlaPn P; Soflk6n lnld6]8, nflhDkf6, sf7df8f}+ .

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

xfn;Dd af]g; z]o/ hf/L ul/Psf] 5}g . eljiodf k|rlnt P]g / g]kfn lwtf]kq af]8{sf] k|rlnt af]g; z]o/
lgisfzg ;DaGwL Joj:yf cg';f/ af]g; z]o/ hf/L ug{ ;Sg]5 .

-h_ z]o/jfnf, sd{rf/L jf c? s;}sf] nflu z]o/ ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M
o; ljj/0fkqåf/f lgisfzg ul/Psf] k|lt ;fwf/0f z]o/ ?= !))÷– clÍt d"No (Par Value)sf] s'n *,%),)))
lsQf ;fwf/0f z]o/dWo] hf/L k'FhLsf] )=%Ü cyf{t !#,))) lsQf ;fwf/0f z]o/x? ljQLo ;+:yfsf] ;]jfdf /x]sf
sd{rf/Lx?sf nflu 5'6\ofP/ ;'/lIft /flvPsf] 5 . ;fy} s"n *,%),))) lsQf ;fwf/0f z]o/ ;+Vofsf] %Ü cyf{t
$@,%)) lsQf ;fwf/0f z]o/x? ;fd"lxs nufgL sf]ifsf] lglDt 5'6\ofP/ ;'/lIft /flvPsf] 5 . sd{rf/Lx?sf] nflu
o;/L 5'6\ofOPsf] z]o/ sd{rf/Laf6 dfu eO{ cfPsf] xsdf ;~rfns ;ldltn] cf}lrTok"0f{ tj/af6 afF8kmfF8 ug]{]5
/ sd{rf/Laf6 tyf ;fd"lxs nufgL sf]if of]hgfx?af6 ;Dk"0f{ z]o/sf nflu dfu eO{ gcfPsf] cj:yfdf afFsL
z]o/x? ;j{;fwf/0fdf yk u/L afF8kmfF8 ul/g]5 .

-em_ ljQLo ;+:yfn] sDkgL P]gn] u/]sf] Joj:yfx?, cfˆgf] sf/f]af/;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf k"0f{
kfngf u/]sf] ;DaGwdf u/]sf] pb\3f]if0f M
ljQLo ;+:yfn] sDkgL P]g, @)^# n] u/]sf] Joj:yfx?, cfkm"n] ug]{ Joj;fo;Fu ;DalGwt P]g, lgod tyf lgodg
Joj:yf tyf lgodg lgsfox?n] lbPsf] lgb]{zgx?sf] k"0f{ ?kdf kfngf u/]sf] 5 / ;f]xL lgb]{zgx?sf] bfo/f leq
/xL sfo{ ul//x]sf] / o; ljj/0fkqdf pNn]v ul/Psf] ljj/0fx? ;d]t ;f]xL cg'?k tof/ ul/Psf] xf] eGg] sDkgLsf]
pb\3f]if0f /x]sf] 5 . ;fy} o; ljQLo ;+:yfn] sDkgL /lhi6«f/sf] sfof{nodf cfly{s jif{ @)&^÷&& ;Ddsf ljj/0fx?
k]z ul/;lsPsf] 5 / pQm cfy{s jif{ ;Dd o; ljQLo ;+:yf sDkgL /lhi6«f/sf] sfof{nodf cBfjlws /x]sf]Joxf]/fsf]
hfgsf/L ;DjGwL kq ldlt @)&*÷#÷!% df sDkgL /lhi6«f/sf] sfof{noaf6 k|fKt ePsf] 5 .
-`_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M
o; ljj/0fkq dfkm{t lgisflzt ;fwf/0f z]o/ laqmL ljt/0fsfnflu g]kfn lwtf]kq af]8{af6 cf:jf ;b:o k|fKt a}+s
tyf ljQLo ;+:yfx?sf b]zel/ km}lnP/ /x]sf tf]lsPsf zfvfx? dfkm{t cfj]bg lbg;Sg] Joj:yf /x]sf] 5 .

-6_ ljj/0fkq tof/ ug]{ Joj;flos ;+:yfsf] gfd / 7]ufgf ;DaGwL ljj/0f M
o; ljj/0fkq tof/ kfg]{ Joj;flos ;+:yfdf lgisfzg tyf laqmL k|aGws–PgcfOlaPn P; Soflk6n lnld6]8,
nflhDkf6, sf7df8f}+ /x]sf] 5 .

-7_ ;sf/fTds kIfx? M

 a}+lsË tyf ljQLo If]qdf cg'ejL tyf bIf Joj:yfksx?åf/f ;+rflnt .
 :yfkgfsf] 5f]6f] ;dod} u|fxs ;'xfpFbf] cfsif{s ;]jf tyf sfo{s|d ;fy} ljQLo ;+:yfsf] kl/sNkgf cg'?k
:yfgLo :t/df ;/n, ;'ne / ;xh 9+un] cfw'lgs tyf k|ljlwo'Qm a}+lsË k|0ffnLsf] ljsf; ug{ ;s]sf] .
 cfly{s, /fhgLlts / k|lt:klw{ a}+lsË Joj;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 ;"rLs/0f u/] kZrft\ z]o/sf] bflvn vf/]h, b:tvt ?h' cflb ;DaGwL sfo{ o;
sDkgLsf] sfof{noaf6 jf sDkgLsf] ;+rfns ;ldltn] tf]s] adf]lhd z]o/ /lhi6«f/sf] sfof{noaf6 x'g] u/L Joj:yf
ul/g]5 .
-9_ lwtf]kq laqmL v'Nnf cjlw M
o; ljj/0fkqåf/f ;fj{hlgs lgisfzg dfkm{t\ ;j{;fwf/0fx?df hf/L ul/g] z]o/x?sf] nflu cfj]bg lng] sfo{
sDtLdf $ sfo{ lbgsf] nflu v'Nnf ul/g]5 . ;f] cjlw leq ;fj{hlgs lgisfzg ul/Psf] ;a} lwtf]kq laqmL gePdf
b/vf:t v'Nnf ePsf] ldltn] a9Ldf !% lbgsf nflu lwtf]kqsf] b/vf:t v'Nnf /xg]5 .
-0f_ qm]l86 /]l6Ë ;DaGwL Aoa:yf M
o; ljj/0fkq cg';f/ ;j{;fwf/0fx?df lgisfzg ul/g] ;fwf/0f z]o/sf] nflu æqm]l86 /]l6Ë lgodfjnL, @)^*Æ sf] lgod
# df ePsf] Joj:yf adf]lhd g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt qm]l86 /]l6Ë ;+:yf O{qmf g]kfn ln=, l8NnLahf/,
sf7df08f}+af6 qm]l86 /]l6Ë u/fO{ æo; /fi6« pTyfg n3'ljQ ljQLo ;+:yf lnld6]8nfO{ ldlt @)&*÷)#÷)& df æ;dodf
ljQLo bfloTj k'/f ug{ ;Sg] ;DaGwdf dWod hf]lvd /xg]"-Moderate Risk of Default regarding timely servicing of financial
obligations)[ICRANP-IR] BB Pronounced as ICRA NP Issuer Rating Double B ]Æ k|bfg u/]sf] 5 . pQm /]l6Ësf] cjlw
hf/L ldltaf6 Ps jif{ cyf{t @)&(÷)#÷)^ ;Dd /xg]5 . O{qmf g]kfn ln= n] [ICRANP-IR] AAAb]lv [ICRANP-IR]
D;Ddsf] /]l6Ë k|bfg ub{5 h;df u|]8 [ICRANP-IR] AAAn]ljQLo bfloTj jxg ug]{ Ifdtfdf ;a}eGbf sd hf]lvd cyf{t\

34
 pRr ;'/lIft /x]sf] cfwf/ hgfp+5 / [ICRANP-IR] D n] ljQLo bfloTj jxg ug]{ Ifdtfdf ;a}eGbf a9L hf]lvd /x]sf]
hgfp+b5 . /]l6Ë ;+s]t k5fl8 /xg]+ -hf]8_ jf – -36fp_ lrGxn] ;DalGwt /]l6Ë ju{ leqsf] t'ngfTds l:yltnfO{ hgfpFb5
. o;sf] cy{ [ICRANP -IR] BB sf] l:ylt[ICRANP -IR] BB- eGbf Ps lrGx dfly /xG5 .
@#= ;+rfns tyf lj1x?sf] gfd tyf b:tvt M
qm=;+= ;+rfnsx?sf] gfd kb b:tvt
!= >L k|Nxfb dfg dfnL cWoIf tyf :jtGq ;+rfns
>L lr/~hLjL lj=;L
@= ;+rfns
-k|e' a}+s ln=af6 dgf]lgt_
#= >LdtL l/tf ;fksf]6f kf}8]n ;+rfns
>L k|bLk s'df/ ltldnl;gf
$= ;+rfns
-g]kfn u|fld0f ljsf; ;+:yfaf6 dgf]lgt_
>L ladn 8+uf]n
%= ;+rfns
-/fli6«o jfl0fHo a+}+s ln=af6 dgf]lgt_

35
@$= lgisfzg tyf laqmL k|aGwsn] k|:t't u/]sf] k|lta4tf kq -8\o' 8]lnh]G;\ ;l6{lkms]6_ sf] k|ltM

36
@%= ljj/0fkq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;DaGwL kq M

37
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