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nflu k|sflzt .

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lwtf]kq lgisfzg tyf ljls|k|aGwssf] p23f]if0fM

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lgisfzg aGb x'g] ldlt M !$÷)%÷@)&&

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o; n3'ljQ ljQLo ;+:yfsf] /lhi68{ -s]Gb|Lo_ sfof{no sf7df8f}+ lhNnf, sf=d=g=kf= j8f g+= &, rfjlxn,

sf7df8f}+df /x]sf] 5 .

u_ sf/f]jf/ :yfg M

o; ljQLo ;+:yfsf] sf/f]jf/ ug]{] /lhi68{ -s]Gb|Lo_ sfof{no sf=d=g=kf= &, rfjlxn, sf7df8f}+df /x]sf] 5 .

o; ljlQo ;+:yfn] xfn lgDg zfvf sfof{no vf]ln ljQLo sf/f]af/ ul//x]sf] 5 .

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## dnflx6f]n /f}tx6

#$ sfG5Lahf/ ?kGb]xL

#% sf]Nx'jf gjnk/f;L

#^ a+s'n /f}tx6

#& u~hejfgLk'/ af/f

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3_ ;+ul7t ;+:yfsf] ;+lIfKt kl/ro / p2]Zo M

sDkgLsf] ;+lIfKt kl/ro M

l;len n3'ljQ ljlQo ;+:yf ln= sDkgL P]g, @)^# adf]lhd ldlt @)^&.!@.)! df g]kfn ;/sf/, sDkgL

/lhi6«f/sf] sfof{nodf btf{ eO{ ldlt @)^(.)!.)& ut] g]kfn /fi6« a}saf6 ljQLo sf/f]af/ ug{ æ3Æju{sf]

O{hfht k|fKt u/L ldlt @)^(.)#.@! af6 sf/f]af/ ;+rfng ul//x]sf] /fli6«o:t/sf] n3'ljQ ljQLo ;+:yf xf] .

o;sf] /lhi68{ sfof{no sf7df8f}+ dxfgu/kflnsf j8f g+= &, rfjlxn, sf7df8f}+df /x]sf] 5 . of] n3'ljQ ljQLo

;+:yf l;len a}s ln=-tTsflng OG6/g]zgn lnlhË P08 kmfOgfG; sDkgL_ sf] ;xfos sDkgL xf] . g]kfn /fi6«

a}+saf6 @)^(.)!.)& df tTsflng cfO{=Pn=Pkm=l;=cf] dfO{qmf]kmfOgfG; ljQLo ;+:yf ln=-OG6/g]zgn lnlhË

P08 kmfOgfG; sDkgLsf] ;xfos sDkgL_ sf] gfddf sf/f]af/ ug]{ Ohfhtkq k|fKt u/L ldlt @)^(.)#.@! b]lv

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sDkgLsf] ;fljssf] gfd cfO{=Pn=Pkm=l;=cf] dfO{qmf]kmfOgfG; ljQLo ;+:yf ln= df /x]sf] ;Dk'0f{ rn, crn

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sDkgLsf] p2]Zo M

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tyf ;'b[9 agfpg ;xof]u k'/\ofpg] .

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c7\fO{; xhf/ dfq_ /x]sf] 5 . h;nfO{ k|lt z]o/ ?= !))÷— sf b/n] hDdf @@,*@,@*) lsQf -afO{; nfv

aof;L xhf/ b'O{ ;o c;L_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

u_ r'Qmf k"FhL M xfn o; n3'ljQ ljQLo ;+:yfsf] r'Qmf k"FhL ?= !!,$!,!$,)))÷— -cIf/]kL P3f/ s/f]8

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o; xsk|b z]o/ lgisfzg u/L afF8kmfF8 u/] kZrft n3'ljQ ljQLo ;+:yfsf] r'Qmf k"FhL ?= @@,*@,@*,)))÷—

-cIf]?kL afO; s/f]8 aofl; nfv c7\7fO; xhf/ dfq_ x'g]5 .

r_ xsk|b z]o/ lgisfzg ug{'k"j{ / lgisfzg kZrft x'g] ;+ul7t ;+:yfsf] r'Qmf k"+hLsf] l:ytL M

xsk|b z]o/ lgisfzg u/L afF8kmFf8 u/] k"j{ x'g] r'Qmf k+"hLsf] ;+/rgf M

;d"x Zf]o/wgL z]o/ lsQf k"+hL

;+/rgf r'Qmf /sd -?=_ e'QmfgL k|ltzt

s ;+:yfks z]o/wgLx? ^,*$,^*$ ^)% ^,*$,^*,$)) ztk|ltzt

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xsk|b z]o/ lgisfzg u/L afF8kmFf8 u/] kZrft x'g] r'Qmf k+"hLsf] ;+/rgf M

;d"x Zf]o/wgL z]o/ lsQf k"+hL

;+/rgf r'Qmf /sd -?=_ e'QmfgL k|ltzt

s ;+:yfks z]o/wgLx? !#,^(,#^* ^)% !#,^(,#^,*)) ztk|ltzt

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cg'ej / k|:tfljs Jofkf/

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;+:yfks ;d"xsf] hDdf ^,*$,^*$

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sDkgL÷;:yfsf] gfd tyf 7]ufgf ;lxtsf] ;l+IfKt ljj/0f / pQm sDkgL÷;:yfsf ;+rfnsx?sf] gfd, 7]ufgf

k|fs[lts JolQm gv'n];Dd _M

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Pj+ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhd sfd

sf/f]jf/ ug{ Ohfhtkqk|fKt lnld6]8 sDkgL xf] .

l;len a}s ln=sf ;+rfnsx?

;+rfnsx?sf] gfd kb 7]ufgf z]o/ lsQf-l;len a}s ln=_

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$,$*,^)) ;fwf/0f

>L clDa/ af]u6L ;~rfns tfs]j/ g=kf= &, sf7df08f} !&)$(! ;+:yfks

#(%)@;fwf/0f

>L k|sfz tfon ;~rfns eb|k'/ g=kf= @, emfkf *&) ;j{;fwf/0f

>L k|tfk hË kf08] ;~rfns sf=d=g=kf= $, sf7df08f} ($*# ;+:yfks

!!) ;j{;fwf/0f

>L o'u]z axfb'/ dNn ;~rfns sf=d=g=kf= #, sf7df08f} !!)@ ;j{;fwf/0f

>L zDe' k|;fb kGt ;~rfns sf=d=g=kf= &, sf7df08f} %** ;j{;fwf/0f

>L ledfgGb 9'Ëfgf :jtGq ;~rfns sf=d=g=kf= &, sf7df08f} @&^ ;j{;fwf/0f

h= lgisfzg ul/g] xsk|b z]o/sf] ;+Vof / To;sf] cg'kft M

o; n3'ljQ ljQLo ;+:yfsf] xfn sfod r'Qmf k"FhL !!,$!,!$,))) sf] Ps z]o/ a/fa/ gofF Ps z]o/ -!M!_ sf]

cg'kftdf -cyf{t ljBdfg Ps lsQf ;fwf/0f z]o/ a/fa/ gFof Ps lsQf ;fwf/0f z]o/sf b/n]_ k|lt z]o/ ?=!))÷–

sf b/n] hDdf !!,$!,!$) lsQf xsk|b z]o/ lgisfzg ul/g] 5 .

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ldlt @)&%.)(.@( ut] cfO{taf/ ;DkGg ePsf] cf=a @)&$÷&% sf] ;ftf}+ aflif{s ;fwf/0f ;ef af6 kfl/t ePsf]

af]g; z]o/ hf/L kZrft sfod x'g cfpg] r'Qmf k"FhLsf] !)) k|ltzt x'g cfpg] ?= !!,$!,!$,)))÷– xsk|b z]o/

lgisfzg ul/g]5 .

;fwf/0f ;ef ;DkGg ePsf] ldltM @)&% ;fn kf}if @( ut], ;ftf} aflif{s ;fwf/0f ;ef

`= ;~rfns tyf k|d'v sfo{sf/L clws[tsf] gfd, 7]ufgf, z}lIfs of]Uotf tyf cg'ejM

l;=g+= Gffd Kfb z}lIfs

of]Uotf 7]ufgf cg'ej

!= >L ;lrg hË /fodfemL cWoIf Pd=la=P;=÷l

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k|e' a}s ln= df Gffoa dxfk|aGws kbdf sl/a @=!!

aif{, Transcash International Sydney df sl/a !=!) aif{ al/i7 k|aGws , d]uf a}s ln=df

al/i7 k|aGws kbdf !=* aif{, g]kfn /fi6« a}s df a}s

;'k/efO{h/ kbdf ^=$ aif{ , Pgl;l; a}sdf ( dlxgf

, Pg la= a}sdf %=!) aif{ ;fxos kbdf sfo{ u/]sf] .

xfn l;len a}s ln= df k|d'v shf{ clws[t kbdf

sfo{/t tyf a}+lsË If]qdf @# jif{sf] cg'ej .

@= >L k|l;4 /fh cof{n ;~rfns Pd=la=P= Affg]Zj/–!), sf7df8f}+

;g/fO{h a}s df $ aif{ zfvf k|aGws, g]kfn

O{Ge]i6d]G6 a}s ln= df clws[t kbdf #=@ aif{, ljut

& aif{ b]lv l;len a}s ln= df sfo{/t tyf xfn shf{

Joj;fo ljefuLo k|d'v kbdf sfo{/t tyf a}+lsË

If]qdf !$ jif{sf] cg'ej .

#= >L ;lrg g]jf ;~rfns Pd=la=P;= wfkfv]n–@$,

nlntk'/

;g/fO{h a}s ln=df al/i7 k|aGws df @ aif{ ,

lxdfnog a}s ln= df al/i7 ;xfos kbdf % aif{ ,

n'lDagL a}s ln= df ;xfos kbdf @ aif, ljut ^ aif{

b]lv l;len a}s ln= df ljQ ljefuLo k|d'v kbdf

sfo{/t tyf a}+lsË If]qdf

!% jif{sf] cg'ej .

$= >L s[i0fk|;fb clwsf/L ;~rfns la=P= sf7df8f}+–#%

cl/lgsf] lasfz a}s ln=sf] k'j{ ;+rfns, kqsfl/tf

If]qdf #) aif{sf] sfo{ cg'ej . xfn o; ljlQo

;+:yfdf ;+rfns .

%= >L x]d nfn e§/fO{ ;~rfns la=P;=l;= ds/–%, gjnk/f;L

s[lif ljsfz a}s ln=df #) aif{, ljleGg kb tyf

ljefu /xL gfoa dxfk|aGws kbdf sfo{ u/L cjsfz

k|fKt .

^= >L zlQm aNne >]i7 ;~rfns la=P= rl/sf]6–!, bf]nvf s[lif ljsfz a}s ln=df #) aif{, ljleGg kb tyf

ljefu /xL ljefuLo kbdf sfo{ u/L cjsfz k|fKt .

n3'ljQ ljQLo ;+:yfsf] lg= k|d'v sfo{sf/L clws[tsf] ljj/0f M

Gfd 7]ufgf of]Uotf cg'ej

>L lagf]b cfrfo{ pQ/uof–%,

/;'jf

:gftsf]Q/

l8k|f]S; n3'ljQ ;+:yfdf !(=! aif{, ljleGg kbdf /xL dxfk|aGws ;Dd sfo{cg'ej, gf8]k

n3'ljQ ljlQo ;+:yf ln=df ! aif{ dxfk|aGws, cf/fDe n3'ljQ ljlQo ;+:yf ln= df @=%

aif{ k|d'v sfo{sf/L clws[t, l;len n3'ljQ ljlQo ;+:yf ln=df ljut !=@ aif{ gfoa

k|d'v sfo{sf/L clws[t kbdf /xL xfn ldlt @)&^÷!!÷)! ut]af6 sf=d' k|d'v

sfo{sf/L clws[t kbdf sfo{/t .

o; ljlQo ;+:yfsf k|d'v sfo{sf/L clws[t >L an/fd kf}8]nn] cfkmgf] kbaf6 lbg'ePsf] /flhgfdf o;

;+:yfsf] ;+rfns ;ldltsf] !$% cf} a}7ssf] lg0f{o adf]lhd @)&^÷!!÷)! ut] af6 nfu' x'g]u/L :jLs[t

ePsf] tyf ;f]xL ldlt b]lv nfu' x'g] u/L ljlQo ;:yfsf gfoa k|d'v sfo{sf/L clws[t >L ljgf]b cfrfo{nfO{

sf=d' k|d'v sfo{sf/L clws[t df lgo'Qm ul/Psf] .

6_ ;~rfns ;ldltsf] agf}6 M

o; n3'ljQ ljQLo ;+:yfsf] lgodfjnLsf] lgod @& df ePsf] Joj:yf cg';f/ ^ -5_ hgf ;~rfns /x]sf]

;~rfns ;ldlt b]xfo adf]lhd x'g]5 .

;+:yfks z]o/wgLx?sf] ;d"xaf6 dgf]lgt jf lgjf{lrt # -tLg_ hgf

;j{;fwf/0f z]o/wgLx?sf] k|ltlglwTj u/L lgjf{lrt @ -b'O{_ hgf

Joj;flos ljz]if1 ;~rfns ! -Ps_ hgf

;~rfnsx?sf] sfo{sfn $ -rf/_ jif{sf] x'g]5 .

o; n3'ljQ ljlQo ;+:yfsf] ;~rfns kbdf lgo'lQm x'gsf nflu cfKfm\gf] gfddf o; ljQLo ;+:yfsf] Go'gtd

!)) lsQf z]o/ lnPsf] x'g'kg]{5 . o:tf] z]o/ lwtf] aGwsdf /x]sf] x'g'x'b}g . t/ ;+ul7t ;+:yfsf] k|ltlglwTj

ug]{ ;~rfns tyf :jtGq ;~rfnssf] xsdf pk/f]Qm Joj:yf nfu' x'g] 5}g .

7_ lng'kg]{ Go"gtd z]o/ ;+Vof / b/vf:t ;fy k7fpg' kg]{ k]ZsL /sd M

xsk|b z]o/ lgisfzg k|of]hgsf nfuL o; ljQLo ;+:yfn] xsk|b z]o/ lgisfzg k'j{ ;fj{hlgs ;'rgf dfkm{t

hfgsf/L u/fPsf] ldlt;Dd z]o/ vl/b u/L sfod ePsf ;fljssf z]o/wgLx?n] cfk\mgf] gfddf sfod /x]sf]

;fwf/0f z]o/sf Ps z]o/ a/fa/ Ps z]o/ -!M!_ sf] cg'kftdf k|lt z]o/ ?= !)).— sf b/n] cfj]bg lbg

;Sg]5g\ . b/vf:t ;fy k|lt z]o/ ?= !)).— sf] b/n] cfj]bg lbg] z]o/ ;+VofnfO{ u'0fg ubf{ x'g cfpg] a/fa/sf]

Psd'i7 gub /sd jf ;f] a/fa/sf] /sd lgisfzg a}+s jf tf]lsPsf] ;+sng s]Gb|df hDdf u/]sf] ef}r/ jf a}+s

8«fˆ6 b/vf:t kmf/d;fy ;+nUg ePsf] x'g'kg]{5 . z]o/wgLx?n] cfkm\gf] xs eGbf sd z]o/sf] nflu b/vf:t

lbg ;Sg]5g\ .

8_ ;fljssf z]o/wgLx?n] xsk|b z]o/ vl/bsf nflu b/vf:t glbO{ afFsL /xg uPsf z]o/x?sf] ljs|L ug]{ ;DaGwL

Joj:yf M

;fljssf z]o/wgLx?n] xsk|b z]o/ vl/bsf nflu b/vf:t glbO{ jf cfkmgf] xs cg';f/sf] z]o/ eGbf sd

z]o/sf] nflu cfj]bg lbO{ z]o/x? afFsL /xg uPsf] v08df o;/L afFsL /xg uPsf cljtl/t z]o/x?sf]

;DaGwdf ælwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$Æ df ePsf] Joj:yf cg';f/ ;~rfns ;ldltn]

tf]s] adf]lhd cToGt kf/bzL{ tl/sfåf/f -h:t} lnnfd a9fa9_ laqmL ul/g]5 . o;/L laqmL ubf{ vl/b ug{ rfxg]

nufgLstf{x? ;a}nfO{ ;dfg cj;/ k|bfg ul/g]5 .

9_ xsk|b z]o/ eP ;f] sf] cg'kft eGbf al9 z]o/ vl/b ug{ kfpg]÷gkfpg] ;DaGwL Joj:yf M

o; xsk|b z]o/sf] cg'kft eGbf a9L z]o/ vl/b ug{ kfpg] 5}g . t/ s'g} z]o/wgLn] cfkm\gf] sfod xssf]

cfwf/df xsk|b z]o/ vl/bsf nflu cfj]bg lb+bf vl08t z]o/ (Fraction Share) df z]o/ ;+Vof kg{ cfPdf

glhssf] dflyNnf] z]o/ lsQfsf] nflu cfj]bg lbg ;Sg]5 . o;/L dflyNnf] z]o/ lsQfsf] nflu cfj]bg lbg]

z]o/wgLx?sf] xsdf o; xsk|b z]o/ lgisfzgsf] qmddf laqmL geO{ afFsL /x]sf] z]o/x?af6 ;dfof]hg ug]{

u/L afF8kmfF6 ul/g]5 . olb o; xsk|b z]o/sf] nflu lgisfzg ul/Psf] ;Dk"0f{ z]o/sf nflu cfj]bg k|fKt ePdf

g]kfn lwtf]kq af]8{sf] k"j{ :jLs[tL lnO{ ljQLo ;+:yfsf] ;+rfns ;ldltn] dflyNnf] z]o/ lsQf dfu u/L b/vf:t

lbg] z]o/wgLx?nfO{ xsk|b z]o/ afF8kmfF6 ul/g]5 . o; ljj/0f dfkm{t lgisfzg ul/g] xsk|b z]o/sf] nflu

cfˆgf] sfod xs eGbf a9L xsk|b z]o/sf] nflu b/vf:t lbg kfOg] 5}g . t/ ;fljs z]o/wgLn] rfx]df cfˆgf]

sfod xs eGbf sd xsk|b z]o/ vl/b ug{ cfj]bg lbg ;Sg]5g\ / o;/L cfk\mgf] xs eGbf sd xsk|b z]o/

vl/bsf nflu cfj]bg lbg] z]o/wgLx?sf] xsdf b/vf:tdf dfu u/] adf]lhd g} xsk|b z]o/ afF8kmfF6 ul/g]5 .

0f_ ;+ul7t ;+:yfsf] ;~rfng cjlw tLg jif{ Joltt e};s]sf] cj:yfdf ljut tLg aif{sf] / tLg aif{ Joltt

e}g;s]sf] cj:yfdf ;~rfng cjlwsf] ljlQo ljj/0f -;xfos sDkgL eP ;dli6s[t ?kdf_ tyf cfufdL # aif{sf]

k|If]lkt ljQLo ljj/0fsf] ;fy} k|If]lkt k|lt z]o/ cfDbfgL -O=lk=P;=_, k|lt z]o/ g]6jy{, g]6jy{df k|ltkmn /

lgisfzgk'j{sf] k|ltz]o/ cfDbfgL sfod /fVg j[l¢ x'g] g]6jy{df cfjZos k|ltkmn M

jf;nft

-?=

xhf/df_

ljj/)F

jf:tljs * cf=j=

075÷76sf]

ciff( d;fGt

;Dd

**k|If]lkt

cf=j= 072÷73 cf=j=073÷74

cf=j=

074÷75

cf=a=

2076÷077

cf=a=

2077÷078

cf=a=

2078÷079

k"FhL tyf bfloTj

!= z]o/ k"FhL !,)%,))) !,)(,&@% !,!$,!!$ !,!(,*!(=&) @,^$,#$% @,*%,$(# #,!$,)$@

@= hu]8f sf]ifx? !,*^%=$$ #,!)$=(@ %,&)^=*) @),(&(=)$ #@,@$^ $$,**@ ^&,)*^

#= C0fkq tyf jG8 – – – – – – –

$= ltg{ afFsL shf{ tyf

;fk6

*(,(&*=*& !,((,@#)=%@ #,$$,))) ^,!$,*@(=** !),^*,*^! !#,%!,)#) !&,)(,*!&

%= lgIf]k bfloTj %#,%$(=)) !,)@,&!*=#$ !,^^,**%=!! @,&!,!@%=&$ $,&),&!# &,)),)(& (,*#,(#)

^= k|:tfljt tyf e'QmfgL

lbg afFsL nfef+z @^#=!^ @$*=^* $,@&#=%) %,&)%=&)

–

@^,$#%

@*,%$(

&= cfos/ bfloTj !,^^*=@( @,&!(=)( %,!(@=*# &,$^!=#^ !&,*^@ @%,*)* ##,(*&

*= cGo bfloTj $,#*%=#* &,#%^=$^ !(,^%^=$* @),&)!=%% @@,^!@ @%,))& ##,&%!

s'n bfloTj @%^,&!)=!$ $,@%,!)#=)! ^,%(,*@*=&@ !),^),^@@=(& !*,&^,^#( @$,%*,&%) #!,&!,!^#

;DkQL

!= gub df}Hbft – !* #!=@# $)@=*% %%) ^@) ^*)

@= g]kfn /fi6« a}+sdf

/x]sf] df}Hbft

*)) !,^)) @,%)) $,%)) *,$^* !!,@*! !$,*!^

#= a}+s tyf ljQLo

;+:yfdf /x]sf]

^*!=&( !*,$$*=%% ^$,&!)=*& @*,!!%=(@ $@,@)& $%,@$( %@,&*^

df}Hbft

$= dfu tyf cNk

;"rgfdf k|fKt x'g] /sd !$&)@=)$

– – – – – –

%= nufgL ^),$%&=$& ^),$%&=$& – – – – –

^= shf{ ;fk6 tyf ljn

vl/b

!,^(,%&&=(! #,#),&*$=*@ %,&%,@%&=#@ !),)#,&#)=@) !&,*),()) @#,$#,##@ #),@*,^%!

&= l:y/ ;DkQL &,&!#=&% *,((*=)& *,%%(=(@ !@,)^@=(& @!,!$& @^,@$* @*,**(

*= u}/ j}+ls+u ;DkQL – – – – – – –

(= cGo ;DkQL @&,&&=!* $,&(^=!) *,&^(=#* !!,*!!=)# @#,#^* #@,)!( $%,#$@

s'n ;DkQL @%^,&!)=!$ $,@%,!)#=)! ^,%(,*@*=&@ !),^),^@@=(& !*,&^,^#( @$,%*,&%) #!,&!,!^#

ljlQo ;+:yfsf] ljut # aif{sf] jf:tfljs tyf cfufdL # aif{sf] gfkmf gf]S;fg lx;fa

-?= xhf/df_

ljj/)F

jf:tljs * cf=j=

075÷76sf]

ciff( d;fGt

;Dd

**k|If]lkt

cf=j=

072÷73 cf=j= 073÷74

cf=j=

074÷75

cf=a=

2076÷077

cf=a=

2077÷078

cf=a=

2078÷079

1= Aofh cfDbfgL 29,749.45 52,974.05 82,212.59 1,30,456.39 2,50,763 3,71,333 4,78,856

2= Aofh vr{ 6,306.88 16,624.18 35,831.83 65,825.17 1,27,648 1,85,528 2,42,255 v"b Aofh cfDbfgL 23,442.57 36,349.87 46,380.76 64,631.22 12,3,116 1,85,805 2,36,601

3=

sldzg tyf

;~rfng cfDbfgL

140.42 143.54 1,3198.22 31,660.04 62,671 70,293 95,586

4= ;^xL #^a(

cfDbfgL

– – – – – – –

s"n ;~rfng

cfDbfgL

23,582.99 36,493.41 59,578.99 96,291.26 1,85,786 2,56,098 3,32,187

5=

sd{rf/L vr{ 9,566.81 13,328.34 24,552.18 39,808.36 66,087 95,826 1,24,573

6= cGo ;~rfng

vr{

6,967.02 11,143.09 14,154.93 21,501.91 42,711 55,874 71,135

7= ;^xL #^a(

gf]S;fg

– – – – – – –

;+Defljt gf]S;fgL

Joj:yf cl#sf]

;~rfng d"gfkmf

7,049.16 12,021.98 20,871.87 34,980.99 76,989 1,04,398 1,36,479

8= ;Defljt gf]S;fgL

Aoa:yfx?

4,453.14 2,381.72 3,667.91 9,319.09 11,494 9,770 11,860

;~rfng d"gfkmf 2,596.02 9,640.26 17,203.96 25,661.90 65,495 94,628 1,24,619

9=

u}/ ;~rfng

cfDbfgL ÷

gf]S;fg

64.04 137.24 533.59 0 0 0 0

10= ;Defljt gf]S;fgL

Joj:yfaf^ lkmtf{

3,237.00 0 0 0 0 0 0

lgoldt

sf/f]jf/af^ ePsf]

d'gfkmf

5,897.06 9,777.50 17,737.55 25,661.90 65,495 94,628 1,24,619

12=

c;fdfGo

sf/f]jf/x?af^

ePsf] d'gfkmf÷vr{

– – – – – – –

;Dk')f{ sf/f]jf/

;dfj]z kl%sf]

v'b d'gfkmf

5,897.06 9,777.50 17,737.55 25,661.90 65,495 94,928 12,4619

13= sd{rf/L af]g;

Aoa:yf

536.09 888.86 1,612.50 2,332.90 5,954 8,603 11,329

14= cfos/ Aoa:yf 1,707.43 2,675.47 4,860.67 7,281.49 17,862 25,808 33,987 v"b gfkmf÷gf]S;fg 3,653.54 6,213.17 11,264.38 16,047.51 41,678 60,218 79,303 z]o/ ;+Vof -xhf/df_ 1,000 1050 1097.25 1141.14 2197.93 2,643.45 2,854.93 k|lt z]o/ cfDbfgL -?_ 3.65 5.92 10.26 14.06 18.96 22.78 27.78

;~rfng cjlwsf] tyf cfufdL tLg aif{sf] k|If]lkt k|lt z]o/ cfDbfgL -EPS), k|ltz]o/ g]6jy{

ljj/0f jf:tljs * cf=j= @)&%÷&^

sf] ciff9 d;fGt

;Dd

**k|If]lkt

cf=j= @)&@÷&# cf=j= @)&#÷&$ cf=j= @)&$÷&% cf=j=

@)&^÷&& cf=j= @)&&÷&* cf=j=

@)&*÷&( k|ltz]o/ cfDbfgL -?=_ 3.65 5.92 10.26 14.06 18.96 22.78 27.78 k|ltz]o/ g]6jy{ 106.87 107.46 109.20 123.38 134.94 124.98 133.49

cg'dflgt ljQLo ljj/0fx? tof/ ubf{sf cfwf/x? M

ljj/0f

k|If]lkt(%)

2076/077 2077/078 2078/079 !=s'n lgIf]kdf cf}ift a[l4b/ 73.61 48.73 40.54

@=s'n shf{ tyf ;fk6df cf}ift a[l4b/ 77.20 31.61 29.26

#=s'n cfodf cf}ift a[l4b/ 93.34 40.90 30.07

$=s'n vr{df cf}ift a[l4b/ 85.98 42.62 29.87

%=;+rfng vr{ tyf s'n cfDbfgL cg'kft 75.44 76.36 76.24

^=v'b d'gfkmfdf cf}ift a[l4b/ 159.72 44.48 31.69

&=lgIf]ksf] cf}ift Jofhb/ 6.68 6.89 6.96

*=shf{ tyf ;fk6sf] cf}ift a[l4b/ 17.64 17.63 17.45

(=cfos/ b/ 30 30 30

!)= cGo ;+rfng vr{sf a[l4b/ 98.64 30.82 27.31

!!= % of provision on total gross loan 1.62 1.64 1.65

!@= sd{rf/L vr{df a[l4 66.01 45 30

!#= clgjfo{ df}Hbft (CRR) 0.55 0.55 0.55

!$=k"FhLsf]if cg'kft 16.07 13.78 12.44

!%=lgl:qmo shf{ ;fk6 1 1.03 1.04

k|lt z]o/ cfDbfgL 18.96 22.78 27.78

-!_ shf{ tyf ;fk6 M ;+:yfn] cf=j= @)&$÷&% sf] ciff9 d;fGtaf6 cf=j= @)&%÷&^ sf] ciff9 d;fGt ;Dddf

shf{ tyf ;fk6df sl/a &% k|ltztsf] a[l4 ePsf] tyf ;+:yfsf] Joj:yfkgn] nufgL a[l4 ug]{ of]hgf cg';f/

cf=j=, @)&^÷&&, @)&&÷&* / @)&*÷&( df qmdz &&=@), #!=^! / @(=@^ k|ltztn] s'n shf{ a[l4 x'g]

k|If]k0f ul/Psf] 5 .

shf{ tyf ;fk6df k|fKt x'g] cf|ift Jofhb/ cf=j= @)&^÷&&, @)&&÷&* / @)&*÷&( sf] nfuL s|dz !&=^$,

!&=^# / !&=$% k|ltzt x'g] cg'dfg ul/Psf] 5 .

shf{ gf]S;fgL Joj:yf cf=j= @)&^÷&&, sf] nfuL s'n shf{ tyf ;fk6sf] !=^@ k|ltzt tyf @)&&÷&* /

@)&*÷&( sf] nfuL s'n shf{ tyf ;fk6sf] qmdzM !=^$ / !=^% k|ltzt sfod /xg] cg'dfg ul/Psf] 5 .

-@_ lgIf]k tyf ltg{ afsL shf{ ;fk6 M ;+:yfsf] cf=j= @)&$÷&% sf] cfiff9 d;fGtaf6 cf=j= @)&%÷&^ sf]

cfiff9 d;fGt ;Dddf hDdf lgIf]kdf ^@=$^ k|ltztsf] a[l4 ePsf]n] ;+:yfsf] Joj:yfkgn] ug]{ of]hgf cg';f/

cf=j= @)&^÷&&, @)&&÷&* / @)&*÷&( df qmdzM &#=^!, $*=&# / $)=%$ k|ltztn] s'n lgIf]k a[l4 x'g]

k|If]k0f ul/Psf] 5 .

lgIf]k bfloTj ltg'{kg]{ cf}ift Jofhb/ cf=j= @)&^÷&&, @)&&÷&* / @)&*÷&( sf] nfuL qmdzM ^=^*,^=*(

/ ^=(^ k|ltzt x'g] cg'dfg ul/Psf] 5 .

;+:yfsf] cf=j= @)&$÷&% sf] cfiff9 d;fGtaf6 cf=j=@)&%÷&^ sf] cfiff9 d;fGt ;Dddf hDdf ltg{ afFsL

shf{ ;fk6df &( k|ltztsf] a[l4 ePsf] tyf Joj:yfkgn] ug]{ of]hgf cg';f/ cf=j=@)&^÷&&, @)&&÷&* /

@)&*÷&( df qmdzM &#=*%, @^=$) / @^=%^ k|ltztn] s'n ltg{ afFsL shf{ ;fk6 a[l4 x'g] k|If]k0f ul/Psf] 5

.

ltg{ afFsL shf{ ;fk6df ltg"{kg]{ cf};t Jofhb/ cf=j= @)&^÷&&, @)&&÷&* / @)&*÷&( sf] nflu qmdzM

!@=@@, !@=)) / !@=)) k|ltzt x"g] cg"dfg ul/Psf] 5 .

-#_ t/ntf -CRR_ M g]kfn /fi6« a}+sn] Joj:yf u/]sf] t/ntf cg'kft @=% k|ltzt sfod x'g'kg]{df cf=j= @)&^÷&&,

@)&&÷&* / @)&*÷&( sf] nfuL qmdzM $=)&, #=$& / #=@! sfod /xg] u/L t/ntf Joj:yf ul/Psf] 5 .

g]kfn /fi6« a}sn] Joj:yf u/]sf] clgjfo{ df}Hbft ;a} cf=j= x?df )=%% k|ltzt sfod /xg]ul/ nufgL k|If]k0f

ul/Psf] 5 .

-$_ af]g; P]gsf] k|fjwfg cg';f/ sd{rf/L af]g; kl5sf] v'b gfkmfsf] !) k|ltzt a/fa/ x'g] /sd sd{rf/L af]g;

Joj:yfsf] nfuL 5'§fO{Psf] 5 .

-%_ xfn /x]sf] Joj:yf cg';f/ cfufdL aif{x?sf] nfuL ljlQo ;+:yfx?n] ug]{ gfkmfdf #) k|ltztsf] b/n] cfos/sf]

nfuL Joj:yf ul/Psf] 5 .

-^_ ut aif{x?sf] jf:tljs cfFs8f tyf cfpbf] aif{sf] ;~rfng of]hgfsf] cfwf/df ;+:yfsf] Joj:yfkgaf6 ljlQo

ljj/0f k|If]k0f ul/Psf] xf] .

-&_ k"FhL k|ofKttf sf] dfq g]kfn /fi6« a}+sn] tf]s]sf] cg'kft cg'?k /xg] u/L k|If]k0f ul/Psf] 5 . h; cg'?k

k"FhLsf]ifsf] cg'kft cf=j=@)&^÷&&, @)&&÷&* / @)&*÷&(, sf] nfuL s|dzM !^=)&, !#=&*, !@=$$ k|ltzt /

k|fylds k"FhLsf] cg'kft cf=j= @)&^÷&&, @)&&÷&* / @)&*÷&( sf] nfuL qmdzM !%=)^, !@=&* / !!=$$

k|ltzt x'g]u/L k|If]k0f ul/Psf] 5 .

-*_ ;+:yfsf] Joj:yfkgn] ug]{ of]hgf cg';f/ cf=j= @)&^÷&& sf] d'gfkmaf6 @)&& ciff9 d;fGt ;Dddf sfod

/x]sf] r'Qmf k"FhLsf] !# k|ltzt af]g; k|:tfj ug'{sf] ;fy} cf=j=@)&&÷&* / @)&*÷&( sf] nfuL qmdzM !* / @)

k|ltzt nfef+z ljt/0f ug{ ;Sg] k|If]k0f ul/Psf] 5 .

cfly{s jif{ @)&%÷&^ kl5sf k|If]k0fsf nflu cf=j= @)&%÷&^ df xsk|b z]o/ lgisf;g kl5sf] ;+:yfsf] cfly{s

cj:yfnfO{ ;|f]t dflg k|If]k0f k|:t't ul/Psf] 5 .

ljut tyf cfufdL # aif{sf] g]6jy{df ePsf] cf}ift k|ltkmn M

-?= xhf/df_

ljj/)f

jf:tljs * cf=j=

075÷76sf]

ciff( d;fGt

;Dd

**k|If]lkt

cf=j

072÷073

cf=j

073÷074

cf=j=

2074÷075

cf=j=

2076÷077

cf=j=

2077÷078

cf=j=

2078÷079

r'Qmf k"FhL !,)%,))) !,)(,&@% !,!$,!!$ !,!(,*!( @,^$,#$% @,*%,$(# #,!$,)$@

hu]8f sf]if tyf ;+lrt

gfkmf

!,*^%=$# #,!)$=(@ %,&)^=*) @),(&(=)$ #@,@$^ $$,**@ ^&,)*^

s'n !,)^,*^%=$# !,!@,*@(=(@ !,!(,*@)=*) !,$),&(*=)$ @,(^,%(! #,#),#&% #,*!,!@*

36fpg] M ckn]vg ug{

afFsL vr{

- - - - - -

s'n g]6jy{ !,)^,*^%=$# !,!@,*@(=(@ !!(,*@)=*) !$),&(*=)$ @,(^,%(! #,#),#&% #,*!,!@*

v'b gfkmf ÷gf]S;fg 3,653.54 6,213.17 11,264.38 16,047.51 41,678 60,218 79,303

z]o/ ;+Vof -xhf/df_ 1,000 1,050 1,097.25 1141.14 2197.93 2,643.45 2,854.93

k|lt z]o/ g]6jy{ -?=_ 106.87 107.46 109.20 123.38 134.94 124.98 133.49

g]6jy{df k|ltkmn*** 3.41 5.51 9.40 11.39 14.05 18.20 20.81

k|lt z]o/ cfDbfgL**** 3.65 5.92 10.26 14.06 18.96 22.78 27.78

g]6jy{df cf};t k|ltkmn 6.61 23.17

lgisfzg k"j{sf] k|lt z]o/ cfDbfgL (EPS) sfod /fVg a[l4 x'g] g]6jy{df cfjZos Go"gtd

k|ltkmn k|ltztdf

!@=%(

* cf=a= @)&%÷&^ sf] ljlQo ljj/0f k|dfl0ft ug]{ lj1 l;=P=>L ljlkg b]jsf]6f, s]=lj lrqsf/ P08

sDkgL, sf7df08f}n] k|dfl0ft ul/sf] xf] . ;f] ljj/0f ;fwf/0f ;ef af6 kfl/t x'g afFsL /x]sf] 5 .

**k|If]lkt ljQLo ljj/0f ljQLo ;+:yf cfkm}n] tof/ kf/]sf] / ;f] ljj/0f oyfy{k/s /x]sf] egL k|dfl0ft

ug]{ lj1df l;=P=>L /ljg s'df/ >]i7, cf/=s]= Pzf]lzP6;\, sf7df8f}+ /x]sf] 5 .

**g]6jy{sf] u0fgf g]kfn n]vfdfg adf]lhd ul/Psf] 5 .

**** cfly{s aif{ @)&^÷&& sf] k|ltz]o/ cfDbfgL tyf z]o/ ;+Vof g]kfn n]vfdfg adf]lhd pNn]v

ul/Psf] 5 .

t_ ;+ul7t ;+:yfsf] kl5Nnf] aif{sf] n]vfk/LIf0f ePsf] jf;nft / gfkmf gf]S;fg lx;fasf] ljj/0f M

-s_ ljQLo ;+:yfsf] cf=j= @)&%÷&^ sf] jf;nft, gfkmf-gf]S;fg lx;fj tyf gub k|jfxsf] ljj/0f b]xfo adf]lhd

/x]sf] 5 M

jf;nft

ldlt @)&% >fj0f ! ut] b]lv @)&^ cfiff9 d;fGt;Dd

ljj/0f /sd-?= xhf/df_

k"+hL tyf bfloTj != z]o/ k"+hL !,!(,*!(=&)

@= hu]8f sf]ifx? @),(&(=)$

#= C0fkq tyf jG8 –

$= ltg{ jf+sL shf{ tyf ;fk6 ^,!$,*@(=**

%= lgIf]k bfloTj @,&!,!@%=&$

^= k|:tfljt gub nfef+z %,&)%=&)

&= cfos/ bfloTj &,$^!=#^

*= cGo bfloTj @),&)!=%%

s'n bfloTj !),^),^@@=(&

;DkQL

!= gub df}Hbft $)@=*%

@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft $,%))

#= a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft @*,!!%=(@

$= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd

%= nufgL –

^= shf{ tyf ;fk6 !),)#,&#)=@)

&= l:y/ ;DkQL !@,)^@=(&

*= u}/ j}+ls+u ;DkQL –

(= cGo ;DkQL !!,*!!=)#

s'n ;DkQL !),^),^@@=(&

gfkmf gf]S;fg lx;fa

@)&% >fj0f ! ut] b]lv @)&^ cfiff9 d;fGt ;Dd

ljj/0f /sd -?= xhf/df_

1= Aofh cfDbfgL 1,30,456.39

2= Aofh vr{ 65,825.17 v"b Aofh cfDbfgL 64,631.22

3= sldzg tyf cGo ;+rfng cfDbfgL 31,660.04

4= ;6xL 36a9 cfDbfgL

–

s"n ;+rfng cfDbfgL 96,291.26

5= sd{rf/L vr{ 39,808.36

6= cGo ;+rfng vr{ 21,501.91

7= ;6xL 36a9 gf]S;fg

–

;+Defljt gf]S;fgL Joj:yf cl#sf] ;~rfng d"gfkmf 34,980.99

8= ;Defljt gf]S;fgL Aoa:yfx? 9,319.09 ;~rfng d"gfkmf 25,661.90

9= u}/ ;~rfng cfDbfgL÷-vr{_ – 10= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ –

lgoldt sf/f]jf/af/ ePsf] d"gfkmf 25,661.90

11= c;fdfGo sf/f]jf/af6 ePsf] cfDbfgL÷vr{

–

;Dk'0f{ sf/f]jf/ ;dfj]z kl5sf] v"b d"gfkmf -gf]S;fg_ 25,661.90

12= sd{rf/L af]g; Aoa:yf 2,332.90

13= cfos/ Aoa:yf 7,281.49

o; aif{sf] s/ Joj:yf 7461.36 5,192.83

ljut aif{;Ddsf] s/ Joj:yf - -

o; aif{sf] :yug s/ -cfDbfgL_÷vr{ (179.87) (332.16)

v"b gfkmf÷gf]S;fg 16,047.51 16,047.51

gfkmf gf]S;fg afF8kmfF8 lx;fa

@)&% >fj0f ! ut] b]lv @)&^ cfiff9 d;fGt ;Ddsf]

ljj/0f /sd -?= xhf/df_

cfDbfgL

!=

ut aif{;Ddsf] ;l~rt d'gfkmf

100.09

@= o; aif{sf] d'gfkmf 16,047.51 #= z]o/ lk|ldodaf6 gfkmf gf]S;fgsf lx;fadf ;f/]sf] - $= :yug s/ sf]ifaf6 lkmtf{ - %= ;6xL 36a8 sf]if - ^= u|fxs ;+/If0f sf]if af6 vr{ u/L lkmtf{ 64.22 ^= Sd{rf/L tflnd tyf j[lt ljsf; sf]if af6 vr{ ul/ lkmtf{ 48.62 hDdf 16,260.44 vr{

!= ut aif{;Ddsf] ;l~rt gf]S;fg - @= o; aif{sf] gf]S;fg - #= ;fwf/0f hu]8f sf]if 3,209.50 $= e}k/L cfpg] hu]8f - %= ;+:yf ljsfz

sf]if

-

^= nfef+z ;dLs/0f sf]if - &= sd{rf/L ;DaGwL hu]8fx? -

*= k|:tfljt gub nfeFfz 5,705.70 (= k|:tfljt af]gz z]o/ 5,705.70 !)= laz]if hu]8f sf]if - !!= ;6xL 36a9 sf]if - !@= k"FhL lkmtf{ hu]8f sf]if - !#= k"FhL ;dfof]hg sf]if - !$= :yug s/ sf]if 179.86 !%= u|fxs ;+/If0f sf]if 160.47 !^= sd{rf/L tflnd tyf j[lt ljsf; sf]if - !^= ;+:yfut ;fdflhs pQ/bfloTj sf]if 160.47

hDdf 15,121.72 ;l~rt d'gfkmf÷gf]S;fg 1,138.73

gub k|jfx ljj/0f

ldlt @)&% ;fn >fj0f ! ut] b]lv @)&^ ;fn ciff9 d;fGt ;Dd

s|=;+= ljj/0f

cf=j= 074÷075

-s_ sf/f]jf/ ;~rfngaf6 gub k|jfx 1 gub k|flKt 1,62,116.44

1.1 Aofh cfDbfgL 1,30,456.39 1.2 sldzg tyf l8:sfpG6 cfDbfgL 31,660.05 1.3 ljb]zL ljlgdo sf/f]af/af6 cfDbfgL - 1.4 ckn]lvt shf{sf] c;'nL - 1.5 cGo cfDbfgL - 2 gub e'QmfgL (1,26,561.52)

2.1 Jofh vr{ (59,687.48) 2.2 sd{rf/L vr{ (39,808.36) 2.3 sfof{no ;+rfng vr{ (18,771.24) 2.4 cfos/ e'QmfgL (6,681.93) 2.5 cGo vr{ (1,612.51) sfo{ut k"FhL ultljlw cl3sf] gub k|jfx 35,554.91 ;~rfng ;DjlGw rfn' ;DklQdf sdL÷-j[l4_ (4,39,345.67) 1. dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ - 2. cGo cNksfnLg nufgLdf sdL÷-j[l4_ - 3. shf{ tyf ljN; vl/bdf sdL÷-j[l4_ (4,37,791.98) 4. cGo ;Dkltdf sdL÷-j[l4_ (1,553.69) ;~rfng ;DjlGw rfn' bfloTjdf -sdL_÷j[l4 3,64,984.32 1. lgIf]k bfloTjdf -sdL_÷j[l4 1,04,240.63 2. cNksfnLg ;fk6Ldf -sdL_j[l4 2,70,829.88 3. cGo bfloTjdf -sdL_j[l4 (10,086.19) -v_ nufgL sf/f]jf/df gub k|jfx (6,052.71) 1. bL3{sfnLg nufgLdf sdL÷-j[l4_ -

v_ cfly{s aif{ ;dfKt ePkl5 xsk|b z]o/ lgisfzg ;DalGw Joj:yf / ljj/0fx? k]z u/]df, cfly{s aif{

;dfKt ePsf] ldltaf6 k]z u/]sf] ldlt;Dddf jf;ntsf] ldlt kl5sf] 36gfsf] af/]df 5'§} hfgsf/L

ljj/0fkqdf ;dfj]z ug'{kg]{ M cfly{s aif{ ;dfKt ePb]lv xfn;Dd o; ljlQo ;+:yfsf] ljlQo l:yltdf s'g}

c;/ k'/\ofpg] 36gf gePsf] .

u_ lwtf]kq lgisfzg v'Nnf x'g'k'j{ :jLs[t ePsf] xsk|b z]o/ lgisfzg ;DaGwL Joj:yf / ljj/0fx?df

pNn]lvt ljj/0fdf ;DalGwt lgodg lgsfosf] lgodg Joj:yf, lgb]{zg jf cGo s'g} sf/0faf6 Joj;fo

;~rfngsf] qmddf x'g] ;fdfGo kl/jt{g afx]s nufgLstf{sf lg0f{odf vf; c;/ kg]{u/L tflTjs kl/jt{g

ePdf To:tf] kl/jlt{t ljj/0f ;dfj]z u/L cfjZos ;'wf/ Pj+ ;+zf]wg ug'{kg]{ ePdf ;f] ;DalGw ljj/0fM

o; æxsk|b z]o/ lgisfzg ;DalGw Joj:yf tyf ljj/0fx?Ædf ;DlGwt lgodg lgsfosf] lgodg Jo:jyf,

lgb]{zg jf cGo s'g} sf/0faf6 nufgLstf{x?nfO{ c;/ kg]{ vfnsf tflTjt kl/jt{g ePdf To:tf] kl/jlt{t

ljj/0fæxsk|b z]o/ lgisfzg ;DalGw Joj:yf tyf ljj/0fx?Æ df ;dfa]z ul/g] / cfjZos ;'wf/ Pj+

;+zf]wg ;d]t ul/g]5 . ;fy} lgisfzg sfo{ ug'{ k'j{ ;f] ;DalGw cfjZos :jLs[tL ;d]t af]8{af6 lnO{g]5

.

y_ ;+ul7t ;+:yfn] ug]{ ePsf] sfddf lglxt ;+efljt hf]lvdx? M

s_ gofF n3'ljQ ljQLo ;+:yfx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g ;Sg] hf]lvdx? .

v_n3'ljQ ljQLo ;+:yfn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hf]lvd .

u_ b]zsf] /fhg}lts cl:y/tfaf6 cfpg ;Sg] hf]lvdx? .

3_ b]zsf] cfly{s cj:yfdf cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx? .

ª_ g]kfn ;/sf/ tyf g]kfn /fi6« a}+ssf] cfly{s tyf ljQLo gLlt lgoddf x'g] kl/jt{gaf6 >[hgf x'g ;Sg]

hf]lvdx? .

r_ lgIf]k tyf shf{sf] Jofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx? .

5_ k"+hL ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx? .

h_ cGt/f{li6«o ahf/df 36\g] cfsl:ds 36gf tyf dGbLaf6 g]kfnL ahf/df kg{ ;Sg] c;/af6 x'g ;Sg]

cfly{s hf]lvdx? .

em_ b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] ug]{ lgod lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf x'g]

;Defljt hf]lvdx? .

`_ b]zsf] a}b]lzs gLltdf x'g ;Sg] kl/jt{g tyf a}b]lzs d'b|fsf] ljlgdo b/df 36\a9 eO{ pTkGg x'g ;Sg]

;Defljt hf]lvdx? . n3'ljQ ljQLo ;+:yfsf] shf{ tyf nufgL v/fa eO{ x'g;Sg] hf]lvdx?sf] nflu

n3'ljQ ljQLo ;+:yfn] shf{ tyf nufgL hf]lvd sf]ifsf] Joj:yf ug]{5 . n3'ljQ 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 Joj;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 tyf lgodx?sf] lgdf{0f Pjd\ ;dofg';f/ cfˆgf] ;]jf

tyf ;'ljwfx?df kl/jt{g ub}{ nlug] n3'ljQ ljQLo ;+:yfsf] gLlt /x]sf] Joxf]/f hfgsf/L u/fpF5f}+ .

2. :yL/ ;DklQdf sld÷-j[l4_ (6,052.71) 3. bL3{sfnLg nufgLdf Jofh cfDbfgL - 4. nfef+z cfDbfgL 5. cGo - -u_ ljlQo >f]t sf/f]jf/df gub k|jfx 10,635.81 1. bL3{sfnLg C0f -j08, l8j]~r/ cflb_ df j[l4÷-sdL_ - 2. z]o/ k"+FhLdf j[l4÷-sdL_ - 3. cGo bfloTjdf j[l4÷-sdL_ 10,635.81 4. g]kfn /fi6« a}+sjf6 k||fKt ;x'lnotf k"/gshf{df j[l4÷-sdL_ -

-3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/sjf6 cfDbfgL÷vr{

- =-ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx (34,223.33) =-r_ gub tyf a}+sdf /x]sf] z"? df}}Hbft 67,242.11 =-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 33,018.77

;Defljt cfly{s hf]lvdx?nfO{ Go"gLs/0f ug{ n3'ljQ ljQLo ;+:yfn] lgDg pkfox? cjnDjg ub}{

cfO/x]sf] 5 .

s_ cfˆgf] ;]jfnfO{ cem k|lt:kwL{ agfO{ ;b:od'vL ;]jfx? k|bfg ug]{ 5 . v_ dWosfnLg tyf bL3{sfnLg shf{ ;fk6Lx? v/fa shf{df kl/0ft eO{ pTkGg x'g] hf]lvd sd

ug{sf nflu n3'ljQ ljQLo ;+:yfn] k|efjsf/L shf{ cg'udg gLlt cjnDjg u/]sf] 5 .

u_ To:t} cGo ljleGg hf]lvdx? Go"gLs/0fsf nflu k|efjsf/L cfGtl/s lgoGq0f k|0ffnL,

;dofg';f/ cfw'lgs k|ljlw ckfgfpg], :ki6 gLlt tyf lgodx?sf] lgdf{0f Pj+ ;dofg';f/

cfˆgf] ;]jf tyf ;'ljwfx?df kl/jt{g ub}{ nlug] n3'ljQ ljQLo ;+:yfsf] gLlt /x]sf] 5 .

lwtf]kqsf] d"No kl/jt{g ;DjGwL hf]lvd

?=!))÷– k|lt z]o/sf b/n] lgisfzg ul/Psf] z]o/ d"Non] ;"rLs/0f kZrft lwtf]kq lalgdo ahf/df

x'g] sf/f]jf/ d"No ghgfpg] ePsf]n] z]o/ d"Nodf x'g ;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .

;Defljt cfly{s hf]lvdx?nfO{ Go"gLs/0f ug{ Joj:yfkgn] lgDg pkfox? cjnDag ub}{ hfg]5 .

n3' ljQ ljQLo ;+:yfsf] shf{ tyf nufgL v/fa eO{ x'g ;Sg] hf]lvdx?sf] nflu n3' ljQ ljQLo

;+:yfn] shf{ tyf nufgLsf] nflu hf]lvd Aoxf]g]{ sf]ifsf] Joj:yf u/]sf] 5 . n3' ljQ ljQLo ;+:yfn] ljQ

ahf/df x'g] k|lt:kwf{sf] nflu hgzlQm ljsf;df Wofg k'¥ofpg'sf] ;fy} cGo Aoj;flos hf]lvdx?af6

l;h{gf x'g ;Sg] gf]S;fgLsf] nflu Aoj:yfkg rgfvf] eO{ ;Defljt xfgL gf]S;fgL sd ug{ ;Ifd /

k|ltj4 /x]sf] 5 . o;sf] cnfjf cfˆgf] ;]jfnfO{ cem u'0f:t/Lo / k|lt:klw{ agfO{ pkef]Qmfd'vL ;]jfx?

k|bfg u/L dWosflng tyf lb3{sflng shf{ ;fk6Lx? v/fa shf{df kl/0ft eO{ pTkGg x'g] hf]lvd sd

ug{sf nflu n3' ljQ ljQLo ;+:yfn] k|efjsf/L shf{ gLlt cjnDjg u/]sf] 5 . To:t} cGo ljleGg

hf]lvdx? Go"lgs/0fsf nflu k|efjsf/L cfGtl/s lgoGq0f k|0ffnL, ;do cg';f/sf] cfw'lgs k|ljlw, :ki6

gLlt tyf lgodx?sf] lgdf{0f Pj+ ;do cg';f/ cfˆgf] ;]jf tyf ;'ljwfx?df kl/jt{g ub{} nfg] gLlt n3'

ljQ ljQLo ;+:yfsf] /x]sf] 5 .

b_ lwtf]kq afF8kmfF6 ;DAfGwL Joj:yf M

o; ljj/0f dfkm{t lgisfzg ul/g] xsk|b ;fwf/0f z]o/ lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# adf]lhd

al9df !% lbg leq xsk|b z]o/sf] afF8kmFf8 u/L afF8kmfF6 ePsf ;"rgf /fli6«o :t/sf] b}lgs klqsfdf ;"rgf

k|sflzt ul/g]5 . ;fy} g]kfn :6s PS;r]~hdf lnld6]8df ;"rLs/0f eP kZrft l;l8P; P08 lSnol/Ë

lnld6]8df btf{ u/L afF8kmfF6 ePsf] xsk|b z]o/ ef}lts k|df0fkq/lxt u/L ljB'tLo ¿kdf z]o/wgLsf] l8Dof6

vftfdf hDdf u/L vl/b laqmLsf] Joj:yf ldnfOg]5 .

w_ ;+ul7t ;+:yfsf] k|aGwkq lgodfjnL, kl5Nnf] jif{sf] n]vf k/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fa,

n]vf k/LIf0f k|ltj]bg lg/LIf0f ug{ kfOg] ;do / :yfg M

sfof{no ;doleq lgDg lnlvt :yfgx?df ;Dks{ /fvL ljQLo ;+:yfsf] k|aGwkq, lgodfjnL, jf;nft,

gfkmf—gf]S;fgsf] ljj/0f lg/LIf0f ug{ ;lsg]5 M

s_ ljQLo ;+:yfsf] /lhi68{ sfof{no, rfjlxn– &, sf7df8f}+ .

v_ lwtf]kq lgisfzg tyf laqmL k|aGws M ;]~r'/L Soflk6n dfs]{6\; lnld6]8, sf7df8f}+ Knfhf,

sf7df8f} .

g_

lgisfzg x'g] lwtf]kq k|Tofe"lt u/]sf] eP ;f] sf] ljj/0f Mlgisfzg

ul/g] xsk|b z]o/sf] nflu s'g} k|Tofe'lt ul/Psf] 5}g .

k_ z]o/ ;"rLs/0f u/fpg] ;DaGwL Joj:yf M

ælwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$Æ sf] bkmf ̂ df ePsf] Joj:yf cg';f/ lwtf]kq ;"rLs/0fsf

nflu g]kfn lwtf]kq af]8{af6 xsk|b z]o/ :jLs[t ePsf] a9Ldf ;ft sfo{ lbgleq] lwtf]kq ;"rLs/0f tyf

cef}lts/0fsf nflu g]kfn :6s PS;r]~h lnld6]8df lgj]bg lbO{ ;f] sf] hfgsf/L g]kfn lwtf]kq af]8{nfO{

lbO{g]5 / xsk|b z]o/ l:js[t ePsf] ePsf] ;ft sfo{ lbgleq ;Ël7t ;+:yfn] cfˆgf] lwtf]kqsf]

cef}ltsLs/0fsf nflu l;l8P; P08 lSnol/Ë lnld6]8df lgj]bg lbO{ ;f] sf] hfgsf/L g]kfn lwtf]kq af]8{nfO{

lbOg]5 .

km_ ;+ul7t ;+:yfsf] sf/f]jf/df c;/ kg]{ s'g} ljjfb÷d'2f dfldnf eP ;f] sf] ljj/0f M

n3'ljQ ljQLo ;+:yfsf] sf/f]jf/df c;/ kg]{ s'g} ljjfb÷d'2f dfldnf gePsf] .

a_ lwtf]kq vl/b ug{ rfxg] cfj]bsn] kfngf ug{'kg{] d'Vo s'/fx? M

s_ o; ljj/0fkq cg';f/ hf/L ul/g] xsk|b z]o/ vl/bsf nflu o; lgisfzg k|of]hgsf nflu z]o/wgL

btf{ k'l:tsf aGb ug]{ ldlt eGbf cl3Nnf] lbg ;Dd sfod z]o/wgLx?n] cfˆgf] gfddf sfod z]o/sf]

!M! sf] cg'kftdf -ljBdfg ! lsQf z]o/ a/fa/ gofF ! lsQf z]o/sf] b/n]_ z]o/ vl/bsf nflu

b/vf:t lbg ;Sg]5g\ .

v_ k|To]s z]o/wgLn] z]o/sf] xsk|b lgisfzgsf nflu b/vf:t lb+bf n3'ljQ ljQLo ;+:yfåf/f tf]lsPsf]

lglb{i6 9fFrfdf cfˆgf] z]o/wgL gDa/, xfn sfod /x]sf] z]o/ ;+Vof, z]o/ k|df0fkq gDa/-x?_, cfkm"n]

vl/b ug{ kfpg] cyjf dfu]sf] xsk|b z]o/ ;+Vof / ;f] a/fa/sf] /sd ;d]t v'nfO{ l/tk"j{s tf]lsP

adf]lhdsf] 9fFrfdf cfj]bg lbg'kg]{5 .

u_ b/vf:t kmf/fddf c+u|]hL tyf g]kfnL b'a} efiffdf k"0f{ ?kn] eg'[{ kg]{5 .

3_ b/vf:t;fy k|lt z]o/ ?= !)).— sf] b/n] cfkm"n] xsk|b cfwf/df vl/b ug{ kfpg] z]o/ ;+VofnfO{

u'0fg ubf{ x'g cfpg] a/fa/sf] Psd'i7 gub /sd jf ;f] a/fa/sf] /sd a}+sdf hDdf u/]sf] ef}r/

jf 8«fˆ6 ;+nUg ePsf] x'g'kg]{5 . ef}r/ jf a}+s 8«fˆ6 dfkm{t \ /sd hDdf ubf{ ef}r/ jf 8«fˆ6 gDa/

z]o/ cfj]bg kmf/ddf clgjfo{ ?kdf v'nfpg'kg]{5 .

ª_ o; xsk|b z]o/ lgisfzg k|of]hgsf nflu z]o/wgL btf{ k'l:tsf aGb ug]{ ldlteGbf cl3Nnf]

lbg;Ddsfod z]o/wgLx?n] dfq o; xsk|b lgisfzgdf b/vf:t lbg ;Sg]5g\ . z]o/wgL btf{ k'l:tsf

aGb eP kZrft\ z]o/ vl/b ug]{ z]o/wgLx? o; xsk|b lgisfzgsf nflu cfj]bg lbg of]Uo x'g]

5}gg\ .

r_ z]o/wgLx?n] tf]lsPsf] ;do÷cjlw leq z]o/sf nflu b/vf:t lbg'kg]{5 . olb s'g} z]o/wgLaf6

tf]lsPsf] ;do÷cjlw leq z]o/sf nflu b/vf:t k|fKt x'g gcfPdf To:tf] b/vf:tnfO{ z]o/

afF8kmfF8df ;dfj]z ul/g] 5}g .

5_ æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ df pNn]v ul/P adf]lhd tf]lsPsf] Dofbleq

b/vf:t glbg] tyf b/vf:t lbP klg dfu ul/P adf]lhd tf]lsPsf] /sd ga'emfpg] z]o/wgLx?nfO{

z]o/ afF8kmfF8df ;dfj]z ul/g] 5}g / ;f]df s;}sf] s'g} klg k|sf/sf] bfaL lj/f]w nfUg]5}g .

h_ o; xsk|b z]o/ lgisfzgsf] ;dodf s'g} ljjfb ePdf jf pmh'/L k/]df ;f] sf] lgjf/0fsf nflu ljQLo

;+:yfsf] ;~rfns ;ldltsf] lg0f{o g} clGtd x'g]5 .

´_ lxtu|fxL vftf gePsf] cj:yfdf lxtu|fxL vftf g+= dfu ul/ tyf lxtu|fxL vftf gDa/ pNn]v u/]sf

z]o/wgLx?sf] vftfdf xsk|b z]o/ afF8kmfF8 eO{ sfod afF8kmfF8df k/]sf] z]o/ lsQf hDdf ul/g]5 .

`_ k|To]s z]o/wgLn] ef}lts tyf cef}lts -l8Dof6_ ?kdf /x]sf] z]o/ cg';f/ xsk|b z]o/ ebf{ cfj]bssf]

z]o/ ef}lts tyf cef}lts -l8Dof6_ h'g ?kdf sfod /x]sf] ePtfklg Pp6} cfj]bg kmf/d dfkm{t

b/vf:t lbg ;Sg]5g\ . t/ ef}lts ?kdf /x]sf] z]o/sf nflu eg] d]/f] z]o/ jf C-ASBA k|0flnaf6

cfj]bg lbg ldNg] 5}g .

e cfˆgf] xs cGo JolQmnfO{ x:tfGt/0f ug]{ u/L dgf]gog u/]sf] cj:yfdf kfnfgf ug'{kg]{ s'/fx? M

;fljssf z]o/wgLn] b]xfosf] cj:yfdf cGo s'g} AolQmn] vl/b ug{ kfpg] u/L xsk|b z]o/ laqmL v'Nnf

ePsf] cjlw leq ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#ÚÚ sf] cg';"rL—!! sf] 9fFrfdf lgj]bg lbO{

cfkm\gf] xs cGo AolQmnfO{ x:tfGt/0f ug{ ;lsg]5 .

-s_ cfk\mgf] ;Dk"0f{÷cf+lzs xs s'g} Ps JolQm jf ;+:yfnfO{ dfq k|of]u ug{ ;Sg],

-v_ dgf]gog e} z]o/sf] nflu cfj]bg ubf{ lwtf]kq ahf/sf] sf/f]af/ OsfO{ cg';f/ x'g],

-u_ xsk|b z]o/ vl/b ug]{ xs c?nfO{ dgf]lgt ug]{ z]o/jfnfn] c? z]o/jfnfsf] xs lnO{ dgf]lgt x'g

gkfOg], t/ cfk\mgf] k'/} xs pkef]u ug]{n] eg] c?sf] xs ;d]t dgf]lgtsf] ?kdf lng ;lsg],

-3_ sDkgLsf] k|aGwkq, lgodfjnLdf ePsf] Joj:yf tyf ;DalGwt lgodgstf{n] :jfldTj l;df tf]s]sf]

cj:yfdf klxn] lnPsf] jf kl5 u|x0f ul/g] z]o/ ;d]t s'n z]o/ ;+Vof ;f] l;df ggf£g] u/L dfq

dgf]lgt x'g]n] z]o/sf nflu cfj]bg ug{ ;lsg],

-ª_ ;+ul7t ;+:yfsf] k|aGwkq / lgodfjnLsf] Joj:yf cg';f/ :jfldTj tyf ;~rfns ;ldlt ;d"xs[t

ul/Psf] ePdf ;f]xL ;d"xleq /xg] u/L dfq dgf]gog ug{ ;lsg] / dgf]gog u/]kl5 sDkgLsf] z]o/

:jfldTjsf] ;+/rgf / ;~rfns ;ldltsf] agf}6df kl/jt{g x'g] ePdf ;DalGwt P]g, lgodn] tf]s]sf]

:jfldTj l;dfleq /xg] u/L kl/jt{g x'g] Joj:yf tyf dtflwsf/ ;DaGwL :ki6 Joj:yf ePsf],

-r_ k|rlnt sfg"g cg'?k dgf]lgt x'g] JolQm jf ;+:yf sfnf];"rLdf g/x]sf] tyf cof]Uo ;d]t gePsf],

-5_ xsk|b z]o/ ljqmL v'Nnf ePsf] cjlwleq cfk\mgf] xs c?nfO{ k|of]u ug{ lbg Joj:yf ul/Psf],

-h_ lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] cg';"rL—!! Afdf]lhdsf] 9fFrfdf b/vf:t lbO{ cfkm\gf]

xs cGo AolQmnfO{ x:tfGt/0f u/L lnO{g] lwtf]kqsf] r'Qmf /sdsf] Ps k|ltzt /sdn] x'g cfpg] /sd

dgf]gog ul/lbg] z]o/wgLn] a'emfPsf] z'Ns ;d]t ;dfj]z ug'{kg]{,

pk/f]Qm Joj:yfsf] cnfjf ;+:yfks tyf cGo z]o/wgLx?n] lgDgfg';f/sf yk k|rlnt Joj:yfx? kfngf

ug'{kg]{5 .

s_ r'Qmf k"FhLsf] @ k|ltzt jf ;f]eGbf sd z]o/ lnPsf ;+:yfks z]o/wgLsf] xsdf laQLo ;+:yfn] lgofds

lgsfon] tf]s]sf] b]xfosf] zt{sf] clwgdf /lx xs x:tfGt/0f ug{ ;Sg]5g eg] @ k|ltzt eGbf dfly z]o/

:jfldTj ePsfsf] xsdf g]kfn /fi6« a}+ssf] k"j{ :jLs[lt lnP/ dfq xs x:tfGt/0f ug{ ;Sg]5

v_ ;+:yfks÷;j{;fwf/0f ;d"xsf xsk|b z]o/sf] xs x:tfGt/0f cfˆg} ;d"x÷pk;d"xsf ;+:yfksnfO{ klxnf]

k|fyldstf lbg'kg]{5 . o;/L xs x:tfGt/0f ubf{ cfˆgf] ;d"x÷pk;d"xdf z]o/sf] xs x:tfGt/0f x'g

g;s]sf] cj:yfdf ljBdfg cGo ;+:yfksnfO{ bf];|f] k|fyldstf lbO{ xs x:tfGt/0f ug{ ;lsg] . xsk|b

z]o/sf] xs x:tfGt/0f ljBdfg ;+:yfksx?aLrdf g} x'g] ePdf g]kfn /fi6« a}+saf6 hf/L lgb]{zg cGtu{t

/xL nufgLsf] ;|f]t / s/ r'Qmf u/]sf] x]/L ;DaGwLt laQLo ;+:yfn] g} xs x:tfGt/0f ug{ ;Sg]5

u_ dfly -v_ adf]lhd ;+:yfks ;d"xdf z]o/sf] xs x:tfGt/0f x'g g;Sg] cj:yfdf dfq cGo JolQm jf

;+:yfnfO{ h'g ;d"x÷pk;d"xaf6 z]o/sf] xs x:tfGt/0f u/L lnPsf] xf] ;f]xL ;d"x÷pk;d"xdf /flvg]5

;f] cj:yfdf k|:tfljt ;+:yfks z]o/wgLn] g]kfn /fi6« a}+saf6 hf/L lgb]{zg cg';f/ ;+:yfks z]o/wgLsf

nflu tf]lsPsf] of]Uotf (Fit & Proper Test)k"/f u/]sf] x'g'kg]{5 . ;f]sf] cltl/Qm k|:tfljt ;+:yfks

z]o/wgL shf{ ;"rgf s]Gb|sf] sfnf ;"rLdf k/]sf] x'g' gx'g] / ;f] k|:tfljt ;+:yfks z]o/wgLn] cfˆgf]

nufgLsf] ;|f]t v'Ng] sfuhftsf ;fy} s/ r'Qmf k|df0fkq ÷jf s/ bflvnf u/]sf] lg:;f ;d]t k]z u/]sf]

x'g'kg]{ .

3_ dfly a'Fbf g+= -v_ adf]lhd ;+:yfks÷;+:yfks ;d"xsf] xsk|b z]o/sf] xs x:tfGt/0f cfˆg}

;d"x÷pk;d"xsf ;+:yfksnfO{ klxnf] k|fyldstf lbFbf b]xfo adf]lhdsf] k|lqmof ckgfpg'kg]{5 .

• xsk|b z]o/sf] xs x:tfGt/0f ug{ rfxg] z]o/wgLn] laqmL d"No tf]sL xs x:tfGt/0f ug{ rfx]sf] lgj]bg

laQLo ;+:yfdf k]z ug'{kg]{5 .

• o;/L lgj]bg k]z u/]kl5 & lbgsf] ;do tf]sL ljQLo ;+:yfn] klxnf] k|fyldstfdf k/]sf z]o/wgLnfO{

;"rgf lbg'kg]{5 .

• o;/L klxnf] k|fyldstfdf k/]sf z]o/wgL]n] & lbgleq ;f] d"Nodf xs lng grfx]df cGo ;+:yfksnfO{

laQLo ;+:yfn] ;"rgf lbg'kg]{5 . tTkZrft cGo ;+:yfksnfO{ bf];|f] k|fyldstf lbO{ xs x:tfGt/0f ug{

;lsg]5

ª_ pk/f]Qm Joj:yfdf h'g;'s} s'/f n]lvPsf] ePtfklg ljQLo ;+:yfsf ;~rfns, sfo{sf/L k|d'v, n]vfk/LIfs,

;lrj jf a}+ssf] Joj:yfkg tyf n]vf ;DaGwL sfo{df k|ToIf ?kn] ;+nUg JolQmn] To:tf] kbdf afxfn

/xFbfsf] avt jf To:tf] kb 5f8]sf] Ps jif{;Dd o; laQLo ;+:yf jf o;sf] ;xfos sDkgLsf] xsk|b

z]o/ cGo s'g} JolQm jf ;+:yfnfO{ xs x:tfGt/0f ul/lbg jf cGo s'g} JolQm jf ;+:yfaf6 xs x:tfGt/0f

:jLsf/ ul/lng gx'g] .

d_ ;+ul7t ;+:yfsf] n]vfkl/Ifs, sDkgL ;lrj, ljlQo ljj/0f k|If]k0f ug]{ ljz]if1, k|If]lkt ljj/0fsf]

k|If]k0f÷cg'dfgsf] cfwf/ tyf tl/sf af/] k'g/fjnf]sg u/L ;Gt'i6 ePsf] /fo JoQm ug]{ ljz]if1, æxsk|b z]o/

lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ tof/ ug]{ ljz]if1 tyf lgisfzg tyf laqmL k|aGwssf] gfd 7]ufgf

pNn]v ug'{kg]{ M

s_ n3'ljQ ljQLo ;+:yfsf] n]vfk/LIfsdf rf6{8 Psfp06]06;\ ;+:yf s]=la= lrqsf/ P08 sDkgL sf7df08f}sf

l;=P=lalkg b]jsf]6f /x]sf 5g .

v_ n3'ljQ ljQLo ;+:yfsf] sDkgL ;lrjdf >L ljgf]b cfrfo{ /xg'ePsf] 5 .

u_ o; ljQLo ;+:yfsf] ljQLo ljj/0f k|If]k0f ljut jif{x?sf] sf/f]af/sf] cfwf/df lgisfzgstf{ sDkgL cfkm}n]

tof/ u/]s]f xf] . pQm ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf] ljQLo ahf/sf] l:ylt,

lgisfzgstf{ sDkgLsf] xfnsf] bIftf / lgisfzgstf{ sDkgLn] k|fKt u/]sf] xfn;Ddsf] sfo{ k|ultsf]

cfwf/df k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL k|dfl0ft ug]{ ljz]if1 rf6{8{ Psfp06]06 ;+:yf cf/=s]=

Pzf]l;o6;\ sf7df08f}sf rf6{8{ Psfp06]G6 >L /ljg s'df/ >]i7n] k|dfl0ft ug'{ePsf] 5 .

3_ of] æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ Aoa;flos ;+:yf ;]~r'/L Soflk6n dfs]{6\;

lnld6]8, sdnfbL sf7df8f}+n] tof/ u/]sf] xf] .

ª_ o; xsk|b z]o/ lgisfzgsf nflu lwtf]kq lgisfzg tyf ljqmL k|aGwsdf g]kfn lwtf]kq af]8{af6 lgisfzg

tyf laqmL k|aGwssf] k|df0fkq k|fKt lwtf]kq Joj;foL ;]~r'/L Soflk6n dfs]{6\; lnld6]8, sdnfbL,

sf7df08f}+ /x]sf] 5 .

o_ xsk|b z]o/ hf/L ug'{sf] p2]ZoM

!_ g]kfn /fi6« a}ssf] lgb]{zg adf]lhd sfod x'g' kg]{ k"FhLsf]ifsf] cg'kft sfod ug{sf] nflu xsk|b z]o/

lgisfzg u/L k"FhL ;+sng ug{ .

@_ ljQLo ;+:yfsf] k"FhLut of]hgf adf]lhdsf] k"FhL k'/\ofpg] p2]Zo cg'?k ldlt @)&%÷(÷@( ut] ;DkGg

;ftf}+ aflif{s ;fwf/0f ;efaf6 !M! sf] cgkftdf xsk|b z]o/ hf/L u/L k"FFhL j[l4 ug]{ lg0f{o u/]sf]n] ;f]xL

adf]lhd k"FhL ;+sng ug{ .

#_ ljQLo ;+:yfn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwnfO{ lj:tf/ ug{sf

nflu cfjZos k"FFhL -ljQLo >f]t_ ;+sng ug{ .

$_ ljQLo ;+:yfsf] k|aGwkqdf pNn]v ul/Psf] p2]Zox? cg'?k ug'{kg]{ sfo{x?sf] nflu ljQLo ;+:yfsf] zfvf

lj:tf/ u/L sf/f]af/ j[l4 ug{ cfjZos k"FFhL -ljQLo >f]t_ h'6fpg /

%_ ljQLo ;+:yfsf] k"FhL cfwf/nfO{ dha't t'Nofpg .

^_ o; afx]s ljQLo ;+:yfn] tkl;n adf]lhdsf] of]hgf ;lxt xsk|baf6 k|fKt /sd k|of]u ug]{ lg0f{o u/]sf]

5 .

qm=;= ljj/0f /sd ?=

!= shf{ nufgL *,#),%),)))÷

@= Zfvf lj:tf/ tyf hgzlQm Joj:yfkg #,!),^$,)))÷

hDdf !!,$!,!$,)))÷

/_ xsk|b z]o/ laqmL v'Nnf cjlw M

xsk|b z]o/ lgisfzg ubf{ xsk|b z]o/sf nflu cfj]bg lng] sfo{ sDtLdf PSsfO; lbgsf nflu v'Nnf

/flvg]5 . pQm cjlwleq lgisfzg ul/Psf] ;a} lwtf]kq laqmL gePdf ;+ul7t ;+:yfn] ;"rgf k|sfzg

u/L a9Ldf yk kGw| lbgsf nflu lwtf]kqsf] b/vf:t v'Nnf /fVg ;Sg]5 / To:tf] ;"rgf k|sfzg ug'{

cufj} ;f]sf] hfgsf/L af]8{nfO{ lbOg]5 .

n_ xsk|b z]o/ v/Lbsf nflu b/vf:t kfOg], /sd hDdf ug]{ / cfj]bg a'emfpg] :yfgx?sf ;fy} xsk|b

z]o/ v/Lbsf] nflu tof/ ul/Psf] æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ k|fKt ug{

jf x]g{ ;Sg] :yfgx? M

!= >L l;len n3'ljQ ljQLo ;+:yf lnld6]8, rfjlxn, sf7df8f}+ tyf o;sf ;Dk"0f{ zfvf

sfof{nox? .

@= >L ;]~r'/L Soflk6n dfs]{6\; lnld6]8, sdnfbL, sf7df08f} .

#= >L ;~r'/L sdl;{on a}s ln= sf tf]lsPsf zfvf sfof{nox? .

$= >L g]kfn lwtf]kq af]8{af6 cg'dlt lnO{ cf:jf (ASBA) ;]jfdf ;xefuL a}s tyf ljQLo

;+:yfx?af6 l; cf:jf (C-ASBA) k|0ffnL dfkm{t ;d]t cfj]bg lbg ;lsg]5 .

pk/f]Qm :yfgx?sf] cnfjf xsk|b lgisfzgsf] qmddf 8«fkm\6 ;+nUg u/L b/vf:t lbg kfOg] / o;/L

b/vf:tjfnfx?n] b/vf:t lbg rfx]df z]o/ lgisfzg aGb x'g] cl3sf] ldlt ;Dddf ;]~r'/L Soflk6n

dfs]{6\; ln=sf] gfddf lvlrPsf] Psfp06k]oL (A/c Payee) 8«fˆ6sf ;fy z]o/sf] b/vf:t kmf/fd g]kfn

;/sf/, x'nfs ;]jf dfkm{t /lhi6«L u/L ;]~r'/L Soflk6n dfs]{6\; ln=, sdnfbL, sf7df08f}+df k7fO{Psf]

lgj]bgnfO{ dfq afF8kmfF6df ;dfj]z ul/g]5 . g]kfn lwtf]kq af]8{sf6 :jLs[t k|fKt l;–cfZjf ;]jfdf

;xefuL cGo a}s tyf ljlQo ;+:yfx?df ;d]t l;–cfZjf k|0ffnL dfkm{t z]o/ b/vf:t kmf/fd a'emfpg

;lsg]5 . xsk|b z]o/sf] laqmL aGb ePsf] & -;ft_ lbg kl5 k|fKt 8«fˆ6 / b/vf:t kmf/dnfO{ z]o/

afF8kmfF8df ;dfj]z ul/g] 5}g .

b/vf:t kmf/dsf] xsdf lgisfzgstf{ sDkgL tyf lgisfzg tyf ljqmL k|aGwssf] j]e;fO6af6 ;d]t

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