cf}+ jflif{s k|ltj]bg @)&%÷)&^ jflif{s - kisancoop.com.np · s]lGb|o, sfof{no nDsLr'xf g=kf=–!, nDsL, s}nfnL jflif{s k|ltj]bg @)&%÷)&^ ANNUAL REPORT 2018/019 jflif{s ;fwf/0f ;ef

$Page 1: cf}+ jflif{s k|ltj]bg @)&%÷)&^ jflif{s - kisancoop.com.np · s]lGb|o, sfof{no nDsLr'xf g=kf=–!, nDsL, s}nfnL jflif{s k|ltj]bg @)&%÷)&^ ANNUAL REPORT 2018/019 jflif{s ;fwf/0f ;ef$
s]lGb|o, sfof{nonDsLr'xf g=kf=–!, nDsL, s}nfnL

jflif{s k|ltj]bg@)&%÷)&^

ANNUAL REPORT2018/019

jflif{s ;fwf/0f ;ef

@%cf}+

n]vf ;ldlt

;Nnfxsf/ ;ldlt

>L ;'/]Gb| s'df/ zfx-cWoIf_

>L v8fgGb ;fksf]6f;+of]hs

>L nIdL k|;fb b]jsf]6f;b:o

>L lw/h axfb'/ zfxL;b:o

>L dof/fd wdnf-;b:o_

>L klt/fd rf}w/L-;b:o_

>L km0f]Gb|/fh sfsL{-;+of]hs_

>L r]t/fd b]jsf]6f -;b:o_

>L df]tL k|;fb pkfWofo -;b:o_

>L lji0f'eQm zdf{ 9sfn -;b:o_

>L pld{nf a:g]t -cf]nL_-;b:o_

>L ho?k a'9f-;b:o_

>L lzj axfb'/ :jf/ -;b:o_

>L nf]s/fh ltldN;]gf-;b:o_

>L pbo/fd a6fnf-;b:o_

>L z'egfy b]jsf]6f-;b:o_

>L 8Da/ axfb'/ zfx;b:o ;lrj

tyf-dxf–k|aGws_

>L pbo/fd vgfn-pkfWoIf_

;~rfns ;ldlt

ls;fg ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8nDsLr'xf g=kf=–!, nDsL, s}nfnL

sf]

@% cf}+ jflif{s ;fwf/0f ;efsf] cToGt h?/L ;"rgf

cfb/0fLo z]o/wgL dxfg'efjx?,o; ;+:yfsf] @% cf}+ jflif{s ;fwf/0f ;ef @)&^ ;fn kmfNu'g !) ut] zlgaf/ ljxfg !)M)) ah]

nDsL r'xf g=kf= j8f g+= ! nDsL l:yt sflnsf dfWolds ljBfno, e'?jf nDsL s}nfnLdf a:g] ePsf]n] ;Dk"0f{ z]o/ ;b:o dxfg'efjx?nfO{ lgdGq0ff :j?k of] k'l:tsf k7fOPsf] 5 . pQm ;fwf/0f;efdf pkl:yt x'Fbf of] k'l:tsf ;fydf lnP/ cfpg ;d]t cg'/f]w ul/G5 .

tkl;n!= ut ;fwf/0f ;efsf lg0f{ox? k9]/ ;'gfpg] .@= cf=j= @)&%÷)&^ sf] cfo–Joo, gfkmf–gf]S;fg tyf jf;nft :jLs[tfy{ k]z ug]{ .

#= n]vf k/LIfssf] k|ltj]bg tyf ;~rfns ;ldltsf] tkm{af6 cWoIfHo"sf] k|ltj]bg .

$= dxf–k|aGwsHo"sf] k|ltj]bg .%= ;~rfns ;ldltaf6 :jLs[lt eO{ cg'df]bg u/fpg' kg]{ ljifox? .^= n]vf k/LIfssf] lgo'lQm tyf lghsf] kfl/>lds tf]Sg] .&= cf=j= @)&^÷)&& sf] cg'dflgt cfo–Joo k|:t't ug]{ .

*= z]o/ nfef+z afF8kmfF8 ;DaGwdf .

(= ljwfg, lgodfjnL ;+zf]wg!)= ;~rfns ;ldlt÷n]vf ;ldlt÷lhNnf k|ltlgwLsf] rog ;DaGwdf .

!!= cGo cfjZos ljifox? .

gf]6 M ;fwf/0f ;efdf ;xeflutfsf nflu cfpFbf z]o/wgL kl/ro–kq jf z]o/wgL k|df0f–kq clgjfo{

?kdf Nofpg' kg]{5 . cf1fn]

8Da/ axfb'/ zfxdxf–k|aGws

tyf ;b:o ;lrj

jflif{s k|ltj]bg @)&%÷)&^

;d[l4sf nflu ;d'bfo ;+u ;+u}

1

kl/ro Mls;fg ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8 ;xsf/L P]g @)$* -;+zf]wg @)&$_ cg';f/ ax'p2]ZoLo ;xsf/L cGtu{t :yfkgf ePsf] ;+:yf xf] . of] ;+:yf @)%@ sflt{s !& ut] tTsflng ;xsf/L k|lzIfs

tyf l8lehg sfof{no, wgu9Ldf ljlwjt ?kdf btf{ eO{ z'? ul/Psf] xf] . tTsfnLg ;dodf o; If]qdf a}+s tyf ljlQo ;+:yfsf] pkl:ytL Go"g /xFbf :yflgox? ljlQo ;]jfaf6 alGrt /x]sf

sf/0f clwsf+z ;fx' dxfhgx?n] ljlQo ahf/df sAhf hdfPsf] cj:yf lyof] . nDsL, lr;fkgL nfufotsf If]qx? ;|f]t ;fwg tyf Jofkf/Ls b[li6sf]0fn] ;Defjgf o'Qm If]q eP klg a}+s tyf ljlQo ;+:yf gx'Fbf ;Defjgfx? phfu/ x'g ;ls/x]sf lyPgg\ . s[lifsf nflu pj{/ dflgg] k'lj{ s}nfnLdf s[ifsx?n] dn, vfb, lap ljhgsf] cefj v]lk /x'g k/]sf] cj:yf lyof] . log} cj:yfx?nfO{ ;Daf]wg

ug]{ ;f]rfO{ cg'?k :yfgLo ;dfh ;]jL, a'4LhLjL, Jofkf/L tyf ls;fgx?sf] cu'jfO{df 5nkmn u/L ;xsf/L ;+:yf :yfkgf ug'{ k5{ eGg] cjwf/0ff cg'?k æls;fg ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8Æ gfdfs/0f u/L ;+:yf :yfkgf ePsf] xf] . z'?sf] cj:yfdf @% hgf z]o/ ;b:osf]

^),^)).– z]o/ k"FhLaf6, s}nfnL lhNnf sfo{ If]q agfO{ sf/f]jf/ z'? ePsf] xf] . xfn of] ;+:yfn] lhNnf e/L g} sfo{If]q agfO{ ;xsf/Ldf cfwfl/t ljlQo ;]jf, n3'ljQ sfo{qmd, tyf s[lif k|j4{g

-/f;folgs dn laqmL tyf Plss[t s[lif kmd{_ nufotsf sfo{qmdx? ;+rfng ul/ cufl8 al9 /x]sf]5 . xfn ;xsf/L ljlQo ;]jf tkm{ nDsL, 6Lsfk'/, hf]zLk'/df zfvf sfof{nox? ;+rfngdf /x]sf 5g\ eg] n3'ljQ sfo{qmdtkm{ s}nfnL lhNnf e/L !* zfvfx? ;~rfngdf /x]sf 5g\ .

To;}u/L nDsL l:yt s]Gb|Lo sfof{noaf6 /f;folgs dnvfb laqmL ub}{ cfPsf] 5 eg] hfgsL ufpkflnsfsf] cd/fjtLdf Plss[t s[lif kmd{ ;~rfng u/]sf] 5 .

;dofg's'n ;+:yfut ljsf;df hf]8 lbO{ k|ljlwnfO{ cfTd;fy ub}{ cfh ;+:yf :yflgo :t/df gd'gf

tyf cu|0fL ;+:yf aGg k'u]sf] 5 .

kl/sNkgf;xsfl/tfsf] d'No dfGotfsf] cjnDag u/L ul/a, ljkGg tyf lk5l8Psf] ju{x?sf] ;fdflhs /

cfly{s ljsf;sf dfWodaf6 hLjg:t/df ;'wf/ NofO{ :jfanDaL ;dfhsf] lgdf{0f ub}{ ;d'bfodf cfwfl/t lbuf], ;an Pjd\ ;zQm ;xsf/L ;+:yfsf] ?kdf :yflkt x'g] .

gf/f M ;d[l4sf nflu ;d'bfo ;+u ;+u} .Wo]o y cfly{s, ;fdflhs tyf jftfj/0fLo ;]jfx?sf] dfWodaf6 ;b:ox?sf] hLjg:t/df ;'wf/ Nofpg] .

y bIf hgzlQmx?sf] ljsf; tyf :yflgo ;|f]t / ;fwg kl/rfngsf] dfWodaf6 :j/f]huf/sf cj;/x? l;h{gf u/fpg] .

y n3'ljQ sfo{qmdnfO{ g]kfns} gd"gf k|ljlwo'Qm n3'ljQ agfpg] .



2

nIo y ;+:yfsf] sfo{ If]qsf ;Dk"0f{ :yflgotxsf ;a} j8fx?df ;]jf lj:tf/ ug]{ . y sfo{ If]qdf /x]sfs'n kl/jf/ ;+Vofsf] sDtLdf ^) k|ltzt kl/jf/x?df ljlQo ;]jf k'¥ofpg] .

y …Ps 3/ Ps :j/f]huf/Úsf gf/f lnO{{ ul/aL :t/ Go"gLs/0fdf ;3fpg] . y ljBfyL{ tyf ljBfno ljlQo ;fIf/tf sfo{qmd dfkm{t ;d'bfodf ljlQo ;fIf/tf k'¥ofpg] .

y ;+:yfsf] lbuf]kgfsf] nflu sf]ifnfO{ lgoldt j[l4 ub}{ n}hfg] . y ;+:yfdf cfj4 ;Dk"0f{ ;b:ox?nfO{ sf]ifdf cfwfl/t ;fdflhs ;'/Iff of]hgf ;]jf pknAw u/fpg] .

y ;Dk"0f{ ;b:ox?nfO{ pknAw ;fwg ;|f]tsf] k|of]u ub}{ pBdL aGg k|]l/t ug]{ .

y ;+:yfn] k|bfg u/]sf ;]jfx?af6 cfkm\gf ;b:ox?sf] hLjg :t/df qmlds ;'wf/ Nofpg] .

y s[lif pTkfbg tyf pTkfbg kZrftsf d'No >[vnf (Value Added) ;]jfx?sf nflu s[ifs ;b:osf] cfo a[l4sf sfo{qmdx? ;~rfng ug]{ .

y ;fdflhs ;'/If0f l;4fGtx?nfO{ k"0f{ ?kdf cfTd;ft ug]{ .



3

ls;fg ax'p2]ZoLo ;xsf/L ;+:yf ln=nDsLr'xf g=kf=–!, nDsL, s}nfnL

cWoIf Ho"sf] dGtJo

ls;fg ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8 s}nfnL sf] @% cf}+ jflif{s ;fwf/0f ;efdf xfd|f] cfltYonfO{ ;xif{ :jLsf/ u/L kfNg' x'g] cfb/0fLo k|d'v cltly

Ho", d~rdf cfl;g ljlzi6 cltly Ho"x¿, cGo cltly Ho"x¿ ;~rfns ;ldltsf d]/f ;xsdL{ ldqx¿ n]vf ;ldtLsf ldqx¿, ;b:o Ho"x¿ tyf

;+:yfsf] k|ultsf nfuL ;xof]u Pjd ;b\efj JoQm ug'{x'g] ;Dk"0f{ z]o/;b:o

dxfg'efjHo"x¿, /fhgLlts bnsf ldqx¿, kqsf/ ldq, ;+:yfsf] nIok|fKtLsf nflu cxf]/fq vl6g'ePsf sd{rf/L ldqx? tyf ;+:yfnfO{ k|ToIf, ck|ToIf ¿kdf ;xof]u ug'{ x'g] ;Dk"0f{ dxfg'efjx¿df ;+:yf tyf d]/f] AolQmut tkm{af6 ;xsf/L clejfbg ;lxt xflb{s :jfut ug{ rfxG5' .

cfb/0fLo z]o/;b:o dxfg'efj Ho"x¿,of] ;+:yf cfh @$ cf}+ jif{ kf/ u/L @% cf} jif{ df k|j]z u/]sf] 5 . ;+:yfsf] ljsf;qmdsf] >[+vnfaf/] oxf“x?dfem d}n] w]/} s'/fx? elg/xg' gknf{ . o; If]qsf hgtfx? ljlQo ;]jfaf6 ljd'v ePsfa]nf :yflgonfO{ ;xsf/Lsf] dfWoodaf6 Pstfa4 ul/ cfly{s lqmofsnfkdf k|f]T;flxt

ug]{ p2]Zon] ;+:yfsf] hGd ePsf] xf] . ;+:yfsf] hGd ;+u} b]zdf cfPsf] c;xh kl/l:ytLn] cg]sg hl6ntfx? lgDTofof] . tyfkL ;+:yfnfO{ dfof ug]{ / ;xsf/Lsf] dd{nfO{ cfTd;fy ug]{

tkfO{ ;b:ox?sf] cufw cf:yf, k|]/0ff / ;b\efjsf sf/0f To:tf] ljifd kl/l:ytLdf ;d]t ;+:yf ljrlnt x'g'k/]g / cGtTjuTjf cg]sg hl6n kl:yltx?sf] ;fdgf ub}{ cfhsf] cj:yf ;Dd ;+:yf

cfO{ k'u]sf] 5 . of] jif{nfO{ xfdLn] /ht hoGtL jif{sf ?kdf dgfO{ /x]sf 5f}+ . /ht hoGtL jif{sf] cj;/ kf/]/ ;b:o tyf ;d'bfo nlIft @% cf]6f sfo{qmdx? ;fj{hlgs u/]sf 5f}+ . lt sfo{qmdx?sf] cf}lrTo tyf ck]lIft kl/0ffd af/] o;} k|ltj]bgaf6 yfx kfO{ ;Sg' ePsf] xf]nf . xfn ;+:yfn] cfk"mnfO{ o; If]qdf gd'gf ;xsf/Lsf] ¿kdf :yflkt ug'{sf ;fy} /fli6«o tyf cGt/fli6«o :t/df kl/lrt x'g ;kmn ePsf] 5 . xfdL ;a}sf] ;+:yf k|ltsf] cufw :g]x, cg'zf;g

/ k|lta4tfsf sf/0f g} ;+:yfn] of] ;f}efUo k|fKt u/]sf] xf] . ;+:yfsf] xfnsf] w/ftlno l:yLt tyf ljlQo cj:yf af/] tkfO{n] o;} k|ltj]bgnfO{ cWoog u/]/ hfGg ;Sg' x'g]5 ;fy} dxfk|aGws Ho"n] k|:t't ug]{ k|ltj]bgaf6 ;d]t yk k|i6 x'g ;Sg' x'g]5 .

z]o/;b:o dxfg'efjHo"x?,ca d ;+lIfKt?kdf ut cf=j= @)&%÷)&^ sf] ;ldIff ug{ rfxG5' . lgodg bfo/fdf /x]sf b]ze/Lsf

!$ j6f ;xsf/L ;+:yfx? g]kfn /fi6« a}+ssf] lgodg bfo/faf6 lj=;+= @)&% >fj0f ! ut]b]lv



4

cnUuLP kl5 ;xsf/L If]qdf # txsf] lgodg nfu' ePsf] 5 . ;xsf/L lgodfjnL @)&% cg';f/ :Yfflgo, k|b]z / ;+3n] ;xsf/Lsf] lgodg ug]{ ePsf 5g\ . o; af6 ;xsf/L If]q yk ;'b[9

x'g] ljZjf; lng ;lsG5 . tyfkL ;'b"/klZrd k|b]z ;/sf/n] xfn ;Dd ;xsf/L lgodfjnL hf/L ug{ / /lhi6«/sf] lgo'QmL ug{ g;s]sfn] ;ldIff cf=j=df= ljlgod ;+;f]wg nufot cGo lgodgsf/L lgsfosf] e"ldsf ;':t x'g uof] . ljlQo ;+:yfx?sf] afSnLbf] pkl:ytLn] ljlQo kx'“r lj:Tff/ ePklg tb\cg'?k pTkfbglzn If]qdf nufgL x'g g;Sbf ljut jif{em} cgflws[t ljlQo sf/f]af/n] lj>fd lng ;s]g . :yflgo :t/df b]lvPsf 9's'6L, ld6/ Aofh, r]s afpG; nufotsf

36gfx?df sdL cfpg g;Sg' To;}sf] pbfx/0f lyof] . tyfkL ;+:yfn] pTkfbglzn If]qdf shf{

nufgLsf nflu cfjZos dfkb08 cg';f/ shf{ ljZn]if0f k|lqmofnfO{ yk r':t agfO{ nfu' u/]sf sf/0f ;+:yfsf] Joj;flos ;kmntfdf sdL cfPg .

z]o/;b:o dxfg'efj Ho"x?,ca d ;+:yfn] ;ldIff cjlwdf xf“l;n u/]sf d"Vo pknlAwx? tyf cfufdL sfo{qmdx?af/]

5f]6s/Ldf rrf{ ug{ rfxG5' . ljljw r'gf}tL tyf Jojwfgx?sf afjh'b o; ;+:yfn] ljlQo ;]jfnfO{ yk k|efjsf/L agfpg cfjZos sbdx? rfn]sf] 5 . k|ljlwdf cfwfl/t ;]jf k|jfxnfO{ hf]8 lb+b} kl/dflh{t df]afO{n a}ls+u, ;'wfl/Psf] 6\ofAn]6 a}ls+u, P6LPd, nDsL ;fgfzx/L vfg]kfgL ;+usf]

;dGjodf l8hL6n z'Ns e'QmfgL k|0ffnL ;d]t :yfkgf ul/;s]sf] 5 . o;sf cltl/Qm ;+:yfsf artstf{ ;b:ox?sf] lxtnfO{ Wofgdf /fvL g]kfn e/Lsf s'g}klg a}+s tyf ljlQo ;+:yfaf6 o; ;+:yfsf] P6LPd sf8{ k|of]u ul/ /sd lemSbf s'g}klg z'Ns gnfUg] Joj:Yff ;d]t ldnfPsf

5f} . o;af6 ;+:yfsf] cfk\mg} P6LPd d];Lgx?sf] ;+Vof sd eP klg ;b:onfO{ ljleGg :yfgdf cfjZostf cg';f/ cGo P6LPd d]zLgx?af6 /sd lemSg ;xh x'g] ljZjf; lnPsf 5f}+ .

;+:yf /ht hoGtL jif{df k|j]z u/]sf] cj;/df ut d+;L/ !& ut]af6 ;fdflhs pQ/bfloTj cGtu{t ljljw sfo{qmdx? z'? u/]sf 5f}+ . h; cGtu{t ;+:yfsf ;b:o, u}/ ;b:o ;d'bfo /

sd{rf/Lx? nlIft ljljw sfo{qmdx? /x]sf 5g\ . lt sfo{qmdx? dWo] /Qmbfg sfo{qmd, ;xf/f3/ af}gLofnfO{ :yfoL ;DkQL x:tfGt/0f, sd{rf/Lx?sf] k'gtf{huLsf nflu cltl/Qm lqmofsnfk tyf ;d'bfo;+u d}qLk"0f{ v]ns'b sfo{qmd ;lsPsf 5g\ . To;}u/L ljBfno;+u ls;fg sfo{qmd cGtu{t

;+:yfsf] sfo{If]qdf cjl:yt z}lIfs ;+:yfx?;+usf] ;dGjodf ljBfyL{ ljlQo ;fIf/tf tyf lgz'Ns

eljio art vftf ;Grfngdf NofPsf 5f}+ . o; art vftfdf ljBfyL{sf cleefjssf] lgz'Ns # nfv ;Ddsf] b'3{6gf ladf / % hgf kl/jf/sf] jif{e/Lsf] %) xhf/ a/fa/ lgz'Ns :jf:Yo ladf ;'ljwf ;d]t /x]sfn] o;sf] nfe lngx'g d ;Dk"0f{ ;b:o cleefjs Ho"x?nfO{ cfu|x ug{ rfxG5' .;dfhdf pBdlzntfsf] ;[hgf eP dfq} :yflgo :t/df /f]huf/Lsf] cj:yf ;[hgf x'G5 eGg] xfd|f] dfGotf /lx cfPsf] 5 . /f]huf/Ldf a[4LeP dfq} cfo tyf pkef]udf a[4L x'G5 . cfo

tyf pkef]udf x'g] a[4Lsf sf/0f JolQmsf] lhjg:t/df a[4L x'G5 t;y{ o; ;+:yfn] cfk\mgf ;b:ox?nfO{ pBdlzn agfpg] p2]Zon] ljleGg l;kd'ns tflndx? lgz'Ns pknAw u/fO{/x]sf]



5

d oxf“x? dfem hfgsf/L u/fpg rfxG5' . rfn' cfly{s jif{ b]lv ;b:osf] pBdlzntf ljsf;df ;3fpg] p2]Zon] ;+:yfn] hfgsL ufpFkflnsfsf] ky/}ofdf Plss[t s[lif kmd{ tyf lgz'Ns s[lif tflnd s]Gb| ;Grfngdf NofPsf] 5 . of] s[lif kmd{sf] l;sfO{af6 ;+:yfn] cGo If]qdf ;d]t o:t} kmd{ tyf Joj;flos l;k k|lzIf0f :ynx?sf] ljsf; ub}{ hfg] nIo lnPsf] 5 . To;}u/L o;} cfly{s jif{af6 ;b:osf a]/f]huf/ 5f]/f5f]/Lx?nfO{ pBdL agfpg] nIo ;lxt …gljgÚ sfo{qmd ;Grfngdf NofPsf 5f} . …gljgÚ sfo{qmdaf6 xfd|f ;b:osf a]/f]huf/ 5f]/f5f]/Lx?n] lgz'Ns k|fljlws tflnd kfpg'sf ;fy} Joj;fo :yfkgfsf nflu C0f :j?k lap k'“hL ;d]t k|fKt ug]{5g\ . ;b:ox?nfO{ Joj;flos s[liftkm{ cfslif{tul/ pxf“x?sf] cfo:t/ a[l4 tyf C0fdf kx“'r a[l4sf nflu # hgf s[lif k|fljlws dfkm{t pGgt tyf Joj;flos s[lif v]tL k|ljlw af/] ljleGg afnLx?df tflnd k|bfg ul//x]sf 5f}+ .

;+:yfut ;'zf;gnfO{ pRr /fVg] w]osf ;fy k|rlnt ;xsf/L P]g tyf ;DklQ z'4Ls/0f lgjf/0f ;DalGw lgodfjnL @)&# adf]lhd ;+:yfn] rfn' cf=j= b]vL cfGt/Ls sfo{ljlw agfO{ ;f]xL cg';f/ …sDKnfoG; clkm;/Ú ;d]t lgo'Qm u/L ;s]sf] Joxf]/f hfgsf/L u/fpg rxfG5' . o; cjlwdf 7"nf tyf z+sf:kb sf/f]af/x?df ;'Id lgu/fgLsf] Joj:yf ;+:yfn] u/]sf] 5 . o;} jif{ b]lv klxnf] k6s u|fxs ;'/If0f l;4fGtnfO{ canDag ug]{ sfo{ u/]sf 5f}+ . u|fxs ;'/If0f l;4fGtnfO{ nfu' ug]{ p2]Zon] df}h'bf cfGt/Ls sfo{ljlwx?df ;+;f]wg tyf s]xL yk gLltx? c+lusf/ u/]sf 5f}+ . h; cGtu{t ;b:osf] u'gf;f] ;'Gg] tyf lg/fs/0f gLlt, ;b:o ;Gt'i6L ;j]{If0f gLlt, u|fxs ;"rgf uf]klgotf gLlt, shf{ hf]vLd Go"gLs/0f dfkb08 nufotsf gLlt tyf sfo{ljlwx? agfO{ nfu' u/]sf 5f} eg] lt gLltx?nfO{ k"0f{ ?kdf kfngf ug{ cfjZos kg]{ ef}tLs k'jf{wf/ tyf hgzQmLsf] ;d]t Joj:Yff u/]sf 5f}+ . h; cGtu{t kmf]g ubf{ k};f gkg]{ 6f]n lk|m gDa/ k|of]udf NofPsf 5f}+ . ;Dk"0f{ zfvfx?df j8fkq tyf u'gf;f] k]6Lsfsf] Joj:Yff u/]sf 5f}+ . o;sf cltl/Qm u'gf;f] ;'Gg] clwsf/L, u'gf;f] lg/fs/0f ;+oGq lgdf{0f nufotsf ljiox?df cEo:t eO{/x]sf 5f}+ . otL dfq geO{ u|fxs ;'/If0f l;4fGtnfO{ k"0f{?kdf sfof{Gjogdf NofO{ lgs6 eljiod} cGt/fli6«o :t/sf] …:df6{ ;l6{lkms]6Ú k|fKt ug{ ;+:yfn] cfjZos sfo{ ul//x]sf] 5 . h;sf nflu ;Ifd PS;]; 6" kmfO{gfG;af6 ljlQo ;xfotf tyf ljZj lzIff ci6«]lnofsf] u'8 l/6g{ sfo{qmdaf6 k|fljlws ;xfotf lnO{/x]sf 5f}+ . ljZjf; 5 ca sf] ^ dlxgf leq g]kfndf cGt/fli6«o :t/sf] …:df6{ ;l6{lkms]6Ú kfpg] klxnf] ;+:yf ls;fg ax'p2]ZoLo ;xsf/L ;+:yf x'g]5 . o;af6 xfd|f] ;fvnfO{ cem prfO{df k'¥ofpg] tyf ;+:yfsf] ;]jf k|lt u|fxs Pj+ ;b:osf] a[xQ/ ;Gt'i6L sfod /flv/xg ;+:yf k|]l/t eO{/xg] cj:yf ;[hgf x'g] 5 .

cfb/0fLo z]o/;b:o dxfg'efj Ho"x¿, ;xsf/L ;xsfo{sf] nflu xf] . PSn}n] ug{ g;lsg] sfdx¿ ;fd'lxs k|of;af6 ug{ ;lsof];\ eGg] p2]Zon]] ;xsf/Lsf] cjwf/0ff cfPsf] xf] . hxf“ ;xsfo{sf] cf}lrTo /xb}g txf“ ;dfh tyf /fi6« ljrlnt x'g k'Ub\5 eGg] xfd|f] dfGotf xf] . …;d[4Lsf nflu ;d'bfo ;+u ;+u}Ú eGg] xfd|f] gf/f /x]sf] 5 . of] gf/fsf] cf}lrTo TotLa]nf k'i6Lx'G5 ha ;d'bfo;+usf] ;xsfo{ tyf ;fd'lxs k|of;af6



6

xfdL ;an / ;d[4 ;dfhsf] lgdf{0f ug{ ;kmn x'G5f}+ . of] gf/fnfO{ ;fy{s agfpg of] ;+:yf ;b}j ;d'bfo;+u ;xsfo{ ug{ nlrnf] x'b} cfPsf] 5 . oxf“x?n] xfn ;Dd cgj/t ?kdf o; ;+:yfnfO{ ljZjf; ug'{ ePsf] 5 . ;a}sf] ljZjf; cfh{g u/]s} sf/0f xfdL hl6n kl/l:ytLdf klg ;an / pTs[i6 ;]jf lbg ;Ifd ePsf xf} . xfdLn] h] u¥of} / ca h] ug]{ 5f} To;sf] c;/ cyf{t kmfO{bf, j]kmfO{bf cyjf cj;/ of] ;dfh cyf{t tkfO{ xfdL ;a}sf nflu xf] . oxf“x?nfO{ cjut u/fp“g rfxG5' x/]s jif{ ;+:yfn] gof“ sd{rf/Lx?nfO{ egf{ ub}{ cfPsf] 5 h;af6 :yflgo :t/df k|ToIf /f]huf/Ldf a[4L eO{/x]sf] 5 . o; ;+:yfdf /x]sf sd{rf/Lx? tkfO{ xfd}| efO{ alxgLx'g . tkfO{ xfdLn] o; ;+:yf dfkm{t u/]sf] ;kmn / pbfx/l0fo ;xsfo{sf sf/0f g} cfh lt efO{ axLgLx?sf] kl/jf/ rn]sf] 5 / ;kmn lhjgofkg ul//x]sf 5g\ .

cfb/0fLo z]o/;b:o dxfg'efj Ho"x¿ ,;xsf/L P]g @)&$ sf] Joj:yf cg';f/ ul/dfdo @$ cf} ;fwf/0f ;efsf] lg0f{o adf]lhd ut cf=j=sf] v'b d'gfkmfaf6 !* k|ltzt gub nfef+z ljt/0f ug{ uO{/x]sf 5f}+ . o;sf cltl/Qm rfn' cf=j=af6 ;xsf/L lgodfjnLsf] bkmf @% adf]lhd ;b:on] ;+:yf;+u ug]{ art tyf C0fsf] sf/f]af/sf cfwf/df ;+/lIft k'“hL lkmtf{ sf]ifaf6 ;d]t yk /sd ljt/0f ug{ uO{/x]sf 5f}+ . ;+/lIft k'“hL lkmtf{ sf]ifaf6 /sd ljt/0f ubf{ lgodfjnL cg';f/ c;n shf{ sf/f]af/ ug]{ ;b:onfO{ dfq ul/g] ePsf]n] ;+:yf;+u C0f sf/f]af/ ug'{x'g] ;Dk"0f{ ;b:ox? nfO{ c;n sf/f]af/ ug{x'g / art stf{ ;b:ox?nfO{ lgoldt art ug'{x'g cfu|x ug{ rfxG5' .

;+:yfn] ljutsf cf= j= x¿sf] t'ngfdf jflif{s ¿kdf cToflws sf/f]jf/ a[lå u/L/x]sf] Aoxf]/f tkfO{x¿nfO{ pknAw u/fO{Psf] lalQo ljj/0faf6 hfgsf/L k|fKt ug'{ ePs} xf]nf . ;+:yfsf] cfly{s cj:yf, gfkmf–gf]S;fg, jf;nft, efjL sfo{ of]hgf, k|:tfjLt ah]6 dxfk|aGws Ho"n] k]z ug'{ x'g]5 . h; dfyL o; ul/dfdo ;efn] Aofks 5nkmn u/L cfjZos dfu{ lgb]{zg ;lxt kf/Lt ug'{ x'g]5 eGg] d}n] laZjf; lnPsf] 5' .

;xsf/Lsf ;b:o dxfg'efjHo"x¿nfO{ C0fsf] cefjdf s'g} kl/of]hgf sfo{df afwf gk'uf]; eGg] p2]Zon] cfkm\gf] k"lhn] ck"u ePsf] cj:yfdf klg laleGg a}+s tyf lalQo ;+:yf;Fu shf{ lnO{ lg/Gt/ ¿kdf ;b:ox¿sf] dfunfO{ k"/f ug{ k|oTg/t 5f} . ;+:yfn] laleGg /]ld6fG; ;]jf ug]{ sDkgL tyf a}+sx¿;“u yk ;Demf}tf u/L /]ld6fG; sf/f]jf/nfO{ ;/n ul/ ;s]sf] 5 . ;+:yfn] ljut jif{x? b]lv df]afO{n a}lsË ;]jf, sDKo"6/fO{H8 P=la=la=P;= ;]jf, P=6L=Pd=, cfO{=eL=cf/= nufotsf pRr :tl/o k|ljlwnfO{ k|of]udf NofO{ ;]jf lbO{{/x]sf] Joxf]/f ;d]t cjut u/fpg rfxG5' . ;+:yfn] ;ldIff cf=j=b]lv g} cfkm\g} j]j;fO{6 dfkm{t cfk\mgf ;b:o tyf u|fxsx?nfO{ ;+:yfsf ljleGg ultljwLx?af/] hfgsf/L k|jfx ul//x]sf] Joxf]/f ;d]t cjut u/fpFb} O{G6/g]6 k|of]ustf{ u|fxs ;b:osf nflu l56} O{G6/g]6 a}+lsË ;d]t ;GRffng ug]{ tof/L eO{/x]sf] ;d]t hfgsf/L u/fpg rfxG5' .



7

cfb/0fLo z]o/;b:o dxfg'efj Ho"x¿ ,;+:yfsf] d"n k"lh g}+ z]o/ k"hL xf] . z]o/ k"hL a9L ePdf g} ;+:yfsf] ;fv ;d]t a[lå x'g] ub{5 . t;y{ ;Dk"0f{ z]o/;b:o dxfg'efjHo"x¿nfO{ k|To]s jif{ !* k|ltzt gub nfef“z ljt/0f ug]{ k|ltaåtf AoQm ub}{ cfkm\gf] z]o/k"“hL sDtLdf %) yfg tyf ;f] eGbf a9L z]o/ vl/b ug]{ dxfg'efjx¿nfO{ klg yk z]o/ vl/b u/L ;+:yfsf] r'Qmf k“"lh a[åL ug'{ x'g]5 eGg] d}n] cfzf lnPsf] 5' .

;+:yfsf] lalQo l:ytL ;'b[9 eO{/x]sf] cj:yfdf s]xL C0fL ;b:ox¿n] ;+:yfnfO{ ltg'{kg]{ ;fjf Aofh ;dodf e'QmfgL gubf{ ;+:yfnfO{ Aoo ef/ ylkb} uPsf] 5 . h;n] ubf{ ;+:yfn] Ps cf= j= df c;'n x'g afFsL ;fjfFsf] s]xL c+znfO{ hf]lvd sf]ifdf /fVg' kg]{ cj:yf 5 . ctM ;Dk"0f{ C0fL ;b:ox¿nfO{ d cfu|x ug{ rfx'G5' sL ;+:yfaf6 lnPsf] shf{sf] ;dodf g} lgoldt e'QmfgL u/L shf{sf] ;xL ;b'kof]u xf]; h;af6 ;+:yf tyf ;b:ox¿nfO{ plrt k|ltkmn ldnf];\ .

cfb/0fLo z]o/;b:o dxfg'efjHo"x¿ ,;+:yfn] v'b d'gfkmf cfh{g ug]{ qmd k|To]s jif{ a9L /x]sf]n] of] ;+u} xfd|f] ;fv kgL a9L/x]sf] Joxf]/f oxf“x? dfem cjut} 5 . ;+:yf gfkmf d'vL dfq} geO{ ;fdflhs bfloTj axg ug{ ;d]t ;b}j tTk/ /x]sf] 5 . ;+:yfn] u/]sf ljljw ;fdflhs lqmofsnfksf af/]df dxfk|aGws Ho"n] k|:t't ug]{ k|ltj]bgaf6 klg yfx kfpg ;Sg'x'g]5 .

cGTodf,;+:yfnfO{ cfhsf] cj:yf ;Dd k'¥ofpg dxTjk"0f{ e"ldsf lgjf{x ug'{x'g] ;Dk"0f{ z]o/ ;b:o Ho", k'j{;+rfns Ho"x?, d]/f ;xsdL{ ;GrfnsHo" x?nfO{ pxf“x?n] o; ;+:yfsf] k|ultsf nflu k'¥ofpg' ePsf] dxTjk"0f{ of]ubfgsf] nflu xflb{s wGojfb lbb} ljBdfg ;+rfns ;ldltsf] cWoIfsf] x}l;otn] ;+:yfnfO{ k|utL kydf 8f]¥ofpg o; ;fwf/0f ;efaf6 lgjf{lrt x'g] ;+rfns ;ldltn] cem a9L lhDd]jf/Lk"j{s st{Jolgi7 eO{ e"ldsf lgjf{x ug]{5 eGg] s'/fdf ljZj:t 5f}+ . ;+:yfsf] cfly{s Pjd\ ;fdflhs l:ytL tyf ;+:yfsf] pQ/f]Q/ k|ultsf nflu cys k|of; tyf ;xof]u ug'{ x'g] cfb/0fLo z]o/;b:o dxfg'efjHo"x¿, u|fxsju{, ;+rfns ;ldltsf ldqx¿, n]vf ;ldtL, ;xsf/L ljefu sf7df08f}+, /fli6«o ;xsf/L dxf;+3, g]kfn ax'p]ZoLo s]lGb|o ;xsf/L ;+3, /fli6«o ;xsf/L a}+s, g]kfn /fi6« a}+s, ;'b"/klZrd k|b]z ;/sf/, ;/sf/sf] e"dL Joj:yfkg, s[lif tyf ;xsf/L dGqfno, :jfjnDjg ljsf; s]Gb| (CSD), ;fem]bf/ laleGg a}+s tyf lalQo ;+3 ;+:yf, o"=s]=P8 ;Ifd PS;]; 6" kmfO{gfG;, ljZj lzIff ci6«]lnof u'8 l/6g{ sfo{qmd, :yfgLo lgsfo, laleGg /fhgLlts bn, Aofkf/L, a'låhLjL,kqsf/x¿, laleGg ;+3 ;+:yf Pjd\ dxfk|aGws tyf ;Dk"0f{ sd{rf/L ldqx¿ nufot k|ToIf tyf ck|ToIf ¿kdf ;xof]u k'¥ofpg' x'g] ;a}nfO{ xflb{s s[t1tf Pjd\ wGojfb lbg rfx'G5' . ;fy} o; @% cf}+ jflif{s ;fwf/0f ;efdf cfkm\gf] cd"No ;do lbO{ ;xof]u k|bfg ug]{ z]o/ ;b:o dxfg'efjHo"x? af6 plrt ;xof]u Pjd\ dfu{ bz{gsf] ck]Iff /fVb}+ oxf“x¿sf] ul/dfdo pkl:ytLsf] nflu s[t1tf hfx]/ ub{5' . wGojfb ho ;xsf/L, gd:sf/ ;'/]Gb| s'df/ zfx cWoIf ;~rfns ;ldtL



8

jif{=zfvf ;+Vof

sd{rf/L ;+Vof

z]o/ art C0f nufgL d"gfkmf

2072 13 86 49,573,600 387,632,556 844,955,404 42,811,366

2073 13 110 60,376,400 583,883,586 1,104,397,644 56,398,205

2074 21 148 69,491,500 814,145,401 1,482,138,337 69,868,454

2075 21 157 84,892,400 1,159,124,700 18,80,121,277 73,551,983

2076 21 165 104,679,405 1,502,205,984 2,498,881,225 80,193,778

;+:yfsf] ljut % aif{sf] l:ytL ljj/0f

२०७२ २०७३ २०७४ २०७५ २०७६

42,811,366

56,398,205

69,868,454 73,551,983

80,193,778

ljut % jif{sf] gfkmfsf] l:ytL u|fkm

२०७२ २०७३ २०७४ २०७५ २०७६

49,573,600

60,376,400

69,491,500

84,892,400

104,679,405

ljut % jif{sf] z]o/ k"FhLsf] l:ytL u|fkm

-

500,000,000

1,000,000,000

1,500,000,000

2,000,000,000

2,500,000,000

२०७२ २०७३ २०७४ २०७५ २०७६

ljut % jif{sf] art tyf C0f sf/f]af/sf] u|fkm

art C0f

;'Gb/ clg ;'/lIft eljio – b}lgs df}Hbftdf Aofh lbO{g] .

– lgMz'Ns PlalaP; ;]jf .

– lgMz'Ns P=6L=Pd= tyf df]afO{n a}lsË

– dfl;s lgoldt art u/]df hGdlbg z'esfdgf tyf pkxf/ .

– *ljBfyL{sf] cleefjssf] b'3{6gfsf sf/0f d[To' ePdf aflif{s cf};t df}Hbft /sdsf] !) u'0ff ;Dd jf ?= # nfv ;Dd cWoog vr{ pknAw u/fOg]5 .

– *Go"gtd df}}Hbft ?=%) xhf/ art ePdf k'/} kl/jf/sf] -% hgf;Dd_%) xhf/ ;Ddsf] lgMz'Ns :jf:Yo ladf .

ljBfyL{ eljio

art &=%%&=%%ljBfyL{ eljio

art

* zt{x

? n

fu' x

'g]5g\

.

ls;fg ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8nDsLr'xf g=kf=–!, nDsL, s}nfnL

n]vf ;ldltsf] jflif{s k|ltj]bg

o; ;+:yfsf] s]lGb|o sfof{no nDsL, zfvf sfof{no 6Lsfk'/, zfvf sfof{no hf]zLk'/, s[lif ;]jf s]Gb| nDsL, n3'ljQ sfo{qmd cGtu{tsf] s]lGb|o ljefu nDsL, ;]jf s]Gb|x? nDsL, af}lgof, d;'l/of, ;'v8, ehgL, cQl/of, ;xhk'/, kxndfgk'/, 6Lsfk'/, hf]zLk'/, x;'lnof, wgu9L, km'njf/L, ;QL,

ky/}of, k|tfkk'/, ;f]N6f / rf}dfnf zfvfx?sf] :ynut cWoog Onfsf k|d'vx? / ;'/kl/j]If0f ljefu k|d'vn] tof/ u/]sf] k|ltj]bgsf] lj:t[t cWoogsf cfwf/df cfly{s jif{ @)&%÷)&^ sf] cfGtl/s n]vf k/LIf0f sfo{ ;DkGg u/L ;f] sf] cfwf/df ;f];+u ;DalGwt gfkmf–gf]S;fg, jf;nft tyf ljlQo l:ylt ljj/0f o;} k|ltj]bg ;fy ;+nUg u/L of] jflif{s k|ltj]bg k]z u/]sf 5f}+ .

n3'ljQ sfo{qmdsf cGo zfvfx?sf]] Onfsfn] tof/ u/]sf] cWoog k|ltj]bgsf cfwf/df of]

k|ltj]bg tof/ u/]sf5f}+ . xfd|f] bfloTj ;+:yfleqsf ;Dk"0f{ zfvf tyf n3'ljQsf ;Dk"0f{ zfvfx? leq /x]sf / xfdLn] ;+:yfaf6 k|fKt u/]sf cfly{s ljj/0fx?sf] cWoogsf] cfwf/df /fo, ;Nnfx tyf ;'emfj k|:t't ug'{ xf] . ;+:yfsf] n]vf ;ldltsf] x}l;otn] xfdLn] b]v]sf / ;+:yfsf] ljlQo ljj/0faf6 k|fKt u/]sf ;Dk"0f{ hfgsf/Lx?nfO{ ;d]6]/ k|ltj]bg tof/ ug'{ xfdf] st{Jo xf] . ;fy}

ljutdf k|fKt u/]sf ;jn kIfsf] lg/Gt/tf / /fo ;Nnfxsf] sfof{Gjogdf o; ;+:yf;+u cfj4 ;a}

;+rfns ;ldlt tyf sd{rf/L ju{n] Wofg lbg] 5g\ eGg]df of] ;ldlt k"0f{ ljZj:t 5 . cfufdL lbgdf ;+:yf cem k|ult tkm{ pGd"v /xf];\ eGg] xfd|f] klg sfdgf 5 .

cfGtl/s n]vf k/LIf0f ;DaGwL l6Kk0fL tyf ;'emfjx?

!= ;fwf/0f ;ef Mo; ;+:yfsf] @$ cf}+ ;fwf/0f ;ef ldlt @)&%÷)(÷!$ ut] ;'=k= k|b]z ;/sf/ e"ld Joj:yf s[lif tyf ;xsf/L dGqL dfglgo >L ljlgtf rf}w/L Ho"sf] k|d'v cfltYo, ;'=k= k|b]z ;+;b ;b:o >L /tg yfkf / nDsLr'xf g=kf=sf gu/ k|d'v >L dxfb]j ahufO{ Ho"x?sf] ljlzi6 cfltYo tyf ;+rfns ;ldlt cWoIf >L ;'/]Gb| s'df/ zfx Ho"sf] cWoIftfdf hDdf z]o/wgL #*!& hgf dWo] @##& hgf z]o/ ;b:ox?sf] pkl:yltdf eJotfsf ;fy ;DkGg ePsf] lyof] .

pQm ;fwf/0f ;efaf6 cf=j=@)&$÷)&% sf] gfkmf, gf]S;fg / jf;nft :jLs[t, n]vfkl/Ifssf] k|ltj]bg :jLs[t, cWoIfsf] k|ltj]bg :jLs[t, n]vf ;ldlt / dxfk|aGwssf] k|ltj]bg :jLs[t, z]o/

nfef+z afF8kmfF6 tyf cf=j=@)&%÷)&^ sf] cg'dflgt cfo Joo, lgodfjnL ljkl/t /flhgfdf lbg] sd{rf/L ;]jf ;'ljwf, 6Lsfk'/ zfvfsf nflu 3/hUuf v/Lb, ;km\6j]o/ kl/jt{g, yf]s shf{ dfu, ATM ;]jf, n3'ljQ lgb]{lzsf, shf{ gLlt, cfly{s k|zf;g lgodfjnL, sd{rf/L k|zf;g lgodfjnL, cfufdL cf=j= @)&%÷)&^ sf] nflu n]vfk/LIfs 5gf}6sf] clVtof/L / gLhsf] kfl/>lds lgwf{/0f



11

nufotsf ;~rfns ;ldltaf6 :jLs[t eO{ cg'df]bg u/fpg' kg]{ ljljw !$ j6f ljifox? cg'df]bg nufotsf hDdf !! j6f lg0f{o :jLs[t ug]{ h:tf lgoldt k|lqmofsf lg0f{o kfl/t ePsf lyP .

cf=j=@)&$÷)&% df sf/f]jf/ ug]{ pTs[i6 artstf{ tyf pTs[i6 C0fL z]o/wgLnfO{ k'/:s[t ug]{, z]o/wgLsf Psf3/af6 k|j]lzsf k/LIffdf pQL0f{ u/L pRr c+s Nofpg] 5fq÷5fqfnfO{ hgxL ?=%,!))÷– -kfFr xhf/ Ps ;o_ sf b/n] k'/:sf/ ljt/0f ug]{ h:tf lg0f{ox? kfl/t ePsf]df clwsf+z lg0f{ox? sfof{Gjog eO{ ;s]sf] / s]lx lg0f{ox? sfof{Gjog pGd'v /x]sf] kfOof] .

@= ;+rfns ;ldltsf] a}7s, lg0f{o / lg0f{o sfof{Gjogsf] cj:yf M ;+:yfsf] j[xt/ lxtnfO{ Wofgdf /fvL cf=j=@)&%÷)&^ df ;+rfns ;ldltsf] !^ k6s a}7s a;L

!!* dxTjk"0f{ lg0f{o ul/Psf]] kfOof] . h;df cf=j=@)&$÷)&% sf] gfkmf gf]S;fg, jf;nft :jLs[t, n]vfk/LIfssf] k|ltj]bg :jLs[t, sd{rf/L yk, sd{rf/L ;]jf ;'ljwfdf x]/km]/, :yfoL ;DklQ vl/b,

NMC sf] ;b:otf lng], ladfsf] Ph]G6 ;+:yf, ;b:o d[To' ;'ljwf -@^ hgf_, shf{ nufgL :jLs[t, RMDC sf ;'emfa sfof{Gjog, yf]s shf{ dfu, sd{rf/L a9'jf, :df6{ ;l6{lkms]zg, sd{rf/L sf/jfxL, n3'ljQ ;Dd]ng, ljlgod / lgodfjnL ;+zf]wg -!@ j6f_, Jofhb/ x]/km]/, SMS/Debit Card ;'ljwf, lgMz'Ns cfFvf lzlj/ ;~rfng, s]Gb| k|d'v uf]li7 k|To]s zfvfx?df ;+rfng ug]{, ATM ;]jf, 6Lsfk'/df sfof{no ;~rfngsf nflu 3/hUuf v/Lb af]nkq cfXjfg, s[lif sfo{qmd

;+rfng, ;fdflhs pQ/bfloTj cGtu{t @ j6f zf}rfno lgdf{0f, s[lif sG;N6]G6 lgo'lQm, Sofn]G8/ lgdf{0f, n3'ljQ ;b:o j[l4 ljsf; sf]if :yfkgf ug]{, ;]jf s]Gb|df lk|mh v/Lb, ladf k|f]T;fxg ;'ljwf, art tyf Jofhb/df x]/km]/ / ;fwf/0f ;efsf] ldlt lgwf{/0f ug]{ cflb lg0f{ox? ePsf]df

clwsf+z lg0f{ox? sfof{Gjog ePsf] b]lvG5 / ;+zf]lwt ljlgod xfn;Dd k|dfl0ft gePsf] / 6Lsfk'/ sfof{no ;~rfngsf nflu 3/hUuf v/Lb af]nkq /2 ul/Psfn] ;~rfns ;ldltåf/f

ul/Psf lg0f{o sfof{Gjog tkm{ ljz]if Wofg lbg'kg]{ b]lvG5 .

s_ kbk"lt{ pk;ldlt M kbk"lt{ pk;ldltn] o; cf=j=@)&%÷)&^ df *& cf} b]lv (* cf}+ ;Dd !@ a}7s j;L ljleGg

lg0f{o u/]sf]df sd{rf/L kbk"lt{ ug]{, sd{rf/L a9'jf k|lqmof yfngL ug]{, b/aGbL yk, sd{rf/L

:yfoLsf nflu l;kmfl/; ug]{ / lkmN8 ;xfossf] lj1fkg vf]Ng] nufot lg0f{ox? u/]sf]

b]lvG5 .

v_ shf{ pk;ldlt M shf{ pk;ldlt klg ;lqmo ?kdf ;+:yfsf] lxtdf ;+nUg /x]sf] b]lvG5 . of] ;ldltn] o;

cf=j= @)&%÷)&^ df (@ cf}+ b]lv !)^ cf}+ ;Dd !% j6f a}7s a;L] ?=!) nfv b]lv ? @% nfv ;Ddsf z]o/wgLx?sf shf{ kmfonx? cWoog u/L :jLs[t ug]{ / ? @% nfv eGbf dfly ! s/f]8 ;Ddsf shf{ kmfonx? :jLs[ltsf nflu ;+rfns ;ldltdf l;kmfl/; ug]{ h:tf lg0f{ox? u/]sf] b]lvG5 .



12

u_ n3'ljQ pk;ldlt M o; cf=j=@)&%÷)&^ df n3'ljQ pk;ldltn] $@ cf}+ b]lv $# cf}+ ;Dd @ a}7s a;L ljljw

ljifodf lg0f{o u/L ;+rfns ;ldltdf lg0f{ofy{ k]z ug]{ lg0f{o u/]sf] b]lvG5 . h;df d'Votof n3'ljQ lgodfjnL ;+zf]wg, shf{ ;Ldf lgwf{/0fdf j[l4 ug]{, yk lkmN8 sd{rf/L dfu ug]{, s]Gb| k|d"v uf]i7L ;+rfng ug]{, efvf gf3]sf] shf{ Go"gLs/0f ug{ kxn ug]{ / k|ult ;ldIff cflb dxTjk"0f{ lg0f{ox? ul/Psf] kfOof] .

3_ ljwfg ;+zf]wg pk;ldlt M o; cf=j=@)&%÷)&^ df ljwfg ;+zf]wg pk;ldlt ;lqmo /xL sfo{ u/]sf] b]lvG5 . ª_ v/Lb pk;ldlt M o; cf=j=@)&%÷)&^ df v/Lb pk;ldltn] ;+:yfnfO{ cfjZos oGq pks/0f nufotsf

;DklQ tyf ;fdfu|Lx? v/Lbsf nflu sf]6]zg cfXjfg ug{sf nflu l;kmfl/; u/L pQm ;ldlt ;lqmo /x]sf] b]lvG5 .

r_ ejg lgdf{0f pk;ldlt M o; cf=j=@)&%÷)&^ df ejg lgdf{0f pk;ldltn] %) cf}+ b]lv %! cf}+ ;Dd @ a}7s a;L

ejg lgdf{0f k"FhLs/0f yk ?= !!,&(,&^%.%), 6Lsfk'/ sfof{no cfGtl/s ;hfj6 / kmlg{r/ ?= #,(%,%)! / nDsL sfof{no cfGtl/s ;hfj6 / kmlg{r/ ?= !^,(!,%(* /sd a/fj/sf] vr{nfO{ cg'df]bgsf nflu l;kmfl/; ug]{ lg0f{o u/]sf] b]lvG5 .

5_ ah]6 pk;ldlt M o; cf=j=@)&%÷)&^ df ah]6 pk;ldltn] @* cf}+ b]lv #! cf}+ ;Dd $ a}7s a;L ah]6

/sdfGt/, k|:tfljt jflif{s ah]6 lgdf{0f, sd{rf/L ;]jf ;'ljwf j[l4 -% k|ltzt tnj j[l4 / dx+uL eQf ?= !,))) j[l4_ u/L ;+rfns ;ldltdf k]z ug]{ lg0f{o u/]sf] b]lvG5 .

#= C0f nufgL k|lqmof M#=! o; ;+:yfn] n3'ljQ sfo{qmd dfkm{t ?= !,)))÷–-Ps xhf/_ b]lv ?= #,)),)))÷– -tLg nfv_

;Dd ;d"x hdfgLdf ljgf lwtf] shf{ nufgL u/L dfl;s ?kdf c;'nL ug]{ u/]sf] 5 ;fy} lwtf] d'Nof°gsf cfwf/df ?= !),)),)))÷– -bz nfv_ ;Dd lwtf]df ;Ifd Joj;flos shf{ nufgL ug]{ u/]sf] 5 .

#=@ ;+:yfsf] a}+lsË sfof{non] cfjZos 3/ hUuf, d'2tL lgIf]ksf] /l;b cflbsf] lwtf] lnP/ ;+:yfsf] shf{ lgb]{lzsf adf]lhd C0f nufgL ug]{ u/]sf] 5 .

#=# shf{ ljt/0f ubf{ ?=$,)),)))÷–;Dd zfvf k|aGwsaf6, ?=!),)),)))÷–;Dd dxfk|aGwsaf6, ?=@%,)),)))÷– ;Dd shf{ pk;ldltaf6 / ?=@%,)),)))÷– eGbf dfly ! s/f]8 ;Dd ;+:yfsf] shf{ lgb]{lzsf cg';f/ ;+rfns ;ldltaf6 :jLs[t u/L shf{ ljt/0f ug]{ u/]sf] 5 .

#=$ lwtf]sf] d'Nof°g ubf{ ?=!),)),)))÷–-bz nfv_ ;Ddsf] shf{df ;+:yfsf cflwsfl/s sd{rf/Laf6 lwtf] d'Nof°g ug]{ / ;f] eGbf dflysf] shf{df ;+:yfn] tf]s]sf] cflwsfl/s sG;N6]G6af6 lwtf]sf] d'Nof°g u/fO{ ;f]sf] cfwf/df shf{ ljt/0f ug]{ ul/Psf] 5 .

#=% shf{nfO{ ljleGg >]0fLdf juL{s/0f u/L ;f]lx cfwf/df hf]lvd sf]ifsf] ;d]t Joj:yf ul/Psf] 5 .



13

$= ;xsf/L ljefuaf6 hf/L ul/Psf dfkb08sf] kfngf M;xsf/L ljefuaf6 :jLs[t k|fKt u/L ;+rflnt ;+:yf ePsf] x'Fbf ;xsf/L dfkb08, ;+:yfsf] ljlgodnfO{ d"n cfwf/ dfgL ;+rfng ePsf] / hf/L dfkb08sf] cIf/; kfngf u/]sf] b]lvG5 . %= ;xsf/L sfo{fno, ljefu jf cGo lgsfon] cg'udg ul/ lbPsf ;'emfjx?÷

lgb]{zgx? sfof{Gjogsf] cj:yf M o; ;+:yfdf ;do–;dodf g]kfn /fi6« a}+s, ;xsf/L ljefu, RMDC, FMDB, ;Ifd g]kfn / ls;fg kl/of]hgf (USAID) nufotsf ;/sf/L tyf u}/;/sf/L ljlQo ;+3;+:yfx?af6 cg'udg tyf ;'k/Lj]If0f sfo{ ;DkGg u/L cfjZos ;'emfj tyf lgb]{zgx? lbg] u/]sf]df xfn ;Ddsf] cj:yfnfO{ x]bf{ s]lx ;'emfj tyf lgb]{zgx? sfof{Gjog eO;s]sf] / s]lx sfof{Gjog pGd'v /x]sf] b]lvG5 .^= kbflwsf/Lsf] ;]jf ;'ljwf ljj/0f M=̂! o; ;+:yfsf kbflwsf/Lx?n] s'g} klg lsl;dsf] sfd u/]afkmt kfl/>lds lng] u/]sf] b]lvb}g . ^=@ ;+:yfsf kbflwsf/Lx?sf] a}7s eQf ljj/0f lgDgfg';f/ /x]sf] 5 . – ;+rfns ;ldlt eQf ?=#,%))÷– k|lt a}7s – n]vf;ldlt eQf ?=!,%))÷– k|lt a}7s – pk ;ldlt eQf ?=!,)))÷– k|lt a}7s^=# cGo ;'ljwf M ;+rfns / n]vf ;ldltsf kbflwsf/Lx?nfO{ ?=@%)÷– oftfoft vr{ k|lt a}7s tyf k|lt

sfo{lbg pknAw u/fpg] u/]sf] b]lvG5 . &= sd{rf/L k|zf;g ;DalGw Joj:yf M&=! o; ;+:yfsf] sd{rf/L Joj:yfkg ug{sf nflu ;fwf/0f ;efaf6 kfl/t æsd{rf/L k|zf;g

lgodfjnL–@)&@Æ /x]sf] 5 . o; lgodfjnLnfO{ ;dofg's"n ;fwf/0f ;efaf6 ;+zf]wg klg ub}{ nluPsf] 5 .

&=@ ;+:yfsf] sd{rf/L lgodfg';f/ kb tyf tx lgwf{/0f, ;]jf ;'ljwf lgwf{/0f, ;hfo cflb h:tf sfo{ olx lgodfjnLsf cfwf/df ug]{ u/]sf] x'Fbf lgodfjnL k|of]udf /x]sf] b]lvG5 .

&=# sd{rf/L egf{ k|lqmof M ;+:yfnfO{ cfjZos hgzlQm k'lt{ ug{ ;do–;dodf gofF sd{rf/L egf{ ug]{ u/]sf] / ;f] sfo{

ug{ kf/blz{tf / k|lt:kwf{sf] l;4fGtnfO{ cfwf/ dfg]sf] kfOG5 . h;sf nflu ;+:yfsf] s]lGb|o sfof{no, zfvfx? / ;]jf s]Gb| tyf /fli6«o :t/sf kq–klqsfdf v'Nnf lj1fkg k|sflzt u/L ;f]lx adf]lhd lnlvt k/LIff, cGt{jftf{ / lkmN8 cjnf]sgnfO{ cfwf/ dfgL sd{rf/L 5gf}6 ug]{ u/]sf] b]lvG5 . o;y{df sd{rf/L 5gf}6 k|lqmof kf/bzL{, lgikIf / k|lt:k|wfTds /x]sf] b]lvG5 .



14

&=$ sfo{/t sd{rf/L / sfo{ af]em ljr tfbDotf M xfn ;Dd o; ;+:yfsf nDsL, 6Lsfk'/ / hf]zLk'/ zfvfx?af6 a}+ls° sfo{, n3'ljQ tkm{sf

!* ;]jf s]Gb|x? n3'ljQ s]lGb|o ljefu, s[lif k|j4{g sfo{qmd dfkm{t ljlQo / s[lif ;]jf / ;fy} ky/}ofdf s[lif kmd{sf] :yfkgf u/L s[lif tkm{ ls;fgsf z]o/wgL tyf u|fxsx?nfO{ s[lif ;r]tgf ;]jf pknAw u/fpg] sfo{ ;+rfng x'b} cfPsf] 5 . h;df a}ls° tkm{ ## hgf / n3'ljQ tkm{ !#@ hgf sd{rf/L u/L hDdf !^% hgf sd{rf/L sfo{/t /x]sf b]lvG5g\ . ;+:yfdf sfo{/t sd{rf/Lx?sf] sfo{jf]em x]bf{ ;+tf]ifhgs g} b]lvG5 . slxn] sfxL sfo{jf]em

a9L ePsf] ;dodf yk ;do sfo{ u/]klg sfo{ ;Dkfbg ul/g] ePsf] x'Fbf sd{rf/L / sfo{af]em

lar tfbDotf ePsf] b]lvG5 . ;fy} ;+:yfn] k|ljlwsf] k|of]unfO{ kflg k|fyldstf lbPsf] x'bfF sd{rf/L / sfo{af]em lar tfbDotf b]lvG5 .

&=% sd{rf/L ;+Vof / egf{ k|lqmof M o; ;+:yfsf] sd{rf/L k|zf;g lgodfjnL adf]lhd :yfoL, c:yfoL / s/f/ ul/ hDdf !^%

hgf sd{rf/L sfo{/t /x]sf 5g\ . h;sf] lj:t[t ljj/0f lgDg adf]lhd 5 .

lgo'lQmsf] lsl;dsf cfwf/df sd{rf/L ljj/0f -@)&^ cfiff9 d;fGt ;Dd_lgo'QmLsf] lsl;d a}+lsË n3'ljQ hDdf

:yfoL @* ^) **c:yfoL $ !& @!s/f/ – $! $!Hofbf/L ! !$ !%hDdf ## !#@ !^%

txut cfwf/df sd{rf/L ljj/0f -@)&^ cfiff9 d;fGt ;Dd_kb a}+lsË n3'ljQ hDdf

dxfk|aGws ! – !jl/i7 k|aGws – – –k|aGws ! – !clws[t ! – !;xfos clws[t ^ # (;'k/efO{h/ @ # %jl/i7 ;xfos – – –;xfos @ !* @)slgi7 ;xfos ^ #$ $)lkmN8 ;xfos – $* $*k|fljlws – $ $lkog :yfoL # – #lkog c:yfoL – ^ ^lkog Hofnfbf/L ! !$ !%;'/Iff uf8{ & – &;jf/L rfns ! – !ljt/s ! – !s''lrsf/ ! – !rf}sLbf/ – @ @hDdf ## !#@ !^%



15

*= n]vf;ldltn] ljutdf lbPsf ;'emfjx?sf] sfof{Gjogsf] cj:yf Mo; ;+:yfsf] n]vf ;ldltn] ;do–;dodf n]vfk/LIf0f sfo{ ;DkGg u/L k|ltj]bg k]z u/]sf]df pQm k|ltj]bgdf cf}+NofPsf ;'emfjx? dWo] clwsf+z ;'emfjx? tTsfn sfof{Gjog eO;s]sf] / s]lx

;'emfjx? sfof{Gjog tkm{ pGd'v /x]sf] kfOof] .

(= n]vf ;ldltn] pNn]v ug{ rfx]sf cGo ljj/0fx? M s_ gfkmf gf]S;fg v_ jf;nft

u_ n3'ljQ zfvfx?n3'ljQ sfo{qmd tkm{sf ;]jf s]Gb|x?df n3'ljQ lgl/If0f tyf cg'udgsf nflu Onfsf, ;'kl/j]If]0f ljefusf] Joj:yf eO{ b'O{ O{nfsf k|d'vx?, ;'kl/j]If0f ljefu k|d'v, n3'ljQ k|d'vaf6 lgoldt

?kdf cg'udg, lgl/If0f tyf ;'kl/j]If0f eO{ /x]sfn] ljutdf b]lvPsf sdLsdhf]/L ;'wf/ eO{ clwsf+z n3'ljQ ;]jf s]Gb|x?n] s]lGb|o sfof{non] lbPsf] nIo k|fKt ug{ ;kmn /x]sfn] Onfsf tkm{ rf}dfnf If]qsf Onfsf k|d'våf/f ;]jf s]Gb|sf] cg'udg tyf lg/LIf0fdf sltko ;]jf s]Gb|df

lg/Gt/tf / lgoldttfdf sdL b]lvPsf]n] cfufdL lbgdf ;a} ;]jf s]Gb|x?df ;Gt'lnt ?kdf cg'udg tyf lg/LIf0f u/L xfn;Dd efvf gf3]sf ;]jf s]Gb|x? nDsL @@ hgf ;b:o, 6Lsfk'/

@# hgf ;b:o, af}lgofF ! hgf ;b:o, hf]zLk'/ * hgf ;b:o, ky/}of ! hgf ;b:o, cQl/of #@ hgf ;b:o, wgu9L #* hgf ;b:o, km"njf/L @& hgf ;b:o / ;'v8 !@ hgf ;b:ox?sf] ls:tf /f]lsPsfn] ls:tf c;'nL tkm{ ljz]if sbd rfnL cfufdL lbgdf pQm efvf gf3]sf] ls:tf

c;'Ng] / gofF C0fL ;b:ox?sf] efvf gf3g glbg tkm{ ;hs /xg'kg]{ b]lvG5 .

cGTodf o; cfGtl/s n]vf k/LIf0f ug]{ qmddf xfdLnfO{ cfjZos ;xof]u ug'{ x'g] ;+:yfsf ;Dk"0f{

sd{rf/L k|lt xflb{s cfef/ tyf ;–wGojfb ;lxt ;+:yfsf ;Dk"0f{ sd{rf/Lx?df OdfGbf/Ltf,

nuglzntf / st{Jolgi7tfsf] lg/Gt/tfsf] sfdgf ug'{sf] ;fy} ;+:yfsf] ;+rfns ;ldlt tyf pk;ldltsf] b'/blz{tf / s'zn Joj:yfkgsf] sfdgf ub}{ o; k|ltj]bgn] cf}NofOsf l6Kk0fL tyf ;'emfjx?sf] ;sf/fTds sfof{Gjogsf] ck]Iff ;fy ;DalGwt ;a} kIfaf6 ;+:yfsf] k|ultsf] nflu lg/Gt/ ;xof]u x'g]5 eGg] ljZjf;sf ;fy of] n]vf ;ldltsf] jflif{s k|ltj]bg k]z ub{5f}+ .

=======================================

======================================= -km0f]Gb|/fh sfsL{_ ======================================

-r]t/fd b]jsf]6f_ ;+of]hs -df]ltk|;fb pkfWofo_ ;b:o ;b:o

ldlt M–@)&^÷)%÷)#



16

;DkGgtfsf] l;+9L;DklQ lgdf{0f /;DkGg hLjg

j}slNks cfDbfgLsf>f]tx?

Joj;fo ;'?jft jflj:tf/

C0f e'QmfgL

ljQLo ;+:yfdf ;b:otfljQLo ;]jfsf] pkof]u

;d'xdf ;xeflutflgoldt art z'?

;fx'af6 C0f

cfly{s cefj / ul/aL

ljQLo ;+:yfaf6 C0f

ljQLo ;fIf/tfdf ;xefuL

ljQLo ;r]tgf

k};fsf] k|of]u

tkfO{sf] cfDbfgL stf hfG5 / s;/L r'lxG5 < s:tf] k};fnfO{ art ug]{ <

;'/lIft eljiosf nflu kmh'ndf vr{ sd ug'{ a'l4dfgL .

ljQLo ;r]tgf

ls;fg ax'p2]ZoLo ;xsf/L ;+:yf ln=nDsLr'xf g=kf=–!, nDsL, s}nfnL

dxf–k|aGwsåf/f k|:t't sfo{qmd tyf k|ult k|ltj]bg

!= e"ldsf M @% cf}+ aflif{s ;fwf/0f ;efsf cWoIf Ho" tyf ;efdf kfNg'x'g]] cfb/0fLo

k|d'v cltyL Ho", d~rdf cfl;g ;Dk"0f{ cltly Ho"x¿, ;~rfns ;ldtLsf

kbflwsf/L Ho"x¿, n]vf ;ldtL ;+of]hs tyf ;b:o Ho"x¿, ;+:yfsf

cfb/0fLo z]o/wgL dxfg'efjHo"x¿, ;efdf pkl:yt x'g' ePsf z'e

lrGtsHo"x¿, laleGg /fhgLlts bn ;+u ;DjlGwt ldqx¿, kqsf/ ldqx¿

tyf ;+:yfdf sfo{/t sd{rf/L ldqx¿nfO{ xflb{s :jfut ub}{ ;xsf/L clejfbg AoQm ug{

rfxG5' . ;~rfngsf] @ bzs eGbf nfdf] ofqfsf qmddf yf]/} cg's'n t/ w]/} k|lts'n

jftfj/0fdf tdfd ptf/r9fjx?sf]] ;fdgf ub}{ cfh /ht hoGtL jif{df k|j]z ub}{ @% cf}+

;fwf/0f;ef ;Ddsf] ofqf to ug{ of] ;+:yf ;kmn ePsf]] cj;/df d ;Dk"0f{df xflb{s awfO{

tyf wGojfb 1fkg ug{ rfx'G5' . ;+:yf :yfkgf;+u} sd{rf/Lsf ?kdf o; ;+:yfdf d]/f] ;+nUgtf

/x]sf sf/0f lt ptf/r9fjx?af/] d hfgsf/ 5' t;y{ kms]{/ x]bf{ uf}/a dx;'; ub{5' .

z]o/ ;b:o dxfg'efjx? ljut h] h:tf] /x] klg cfh ;+:yfn] /fli6«o :t/df cfk\mgf] alnof]

5aL agfPsf] 5 . o; If]qdf ljlQo ;]jf k|jfxdf a}+s tyf ljlQo ;+:yfx?sf] k|lt:kwf{ 5 .

o:tf] lta| k|lt:kwf{ sf lar ;+:yfn] gofF–gofF sfo{qmd NofP/ o; If]qdf cfkm\gf] bl/nf]

pkl:ytL hgfpg'sf ;fy} nf]slk|otf ;d]t xfl;n ul/ cfk\mgf] 5'6\6} cl:tTj / klxrfg agfO{

;s]sf] 5 . ;b:ox?nfO{ s]Gb|df /fv]/ of]hgf agfO{ cl3 al9Psf sf/0f of] ;Dej ePsf]

xf] . ca of] pknlAwnfO{ ;+:yfut ub}{ cem} nfdf] b'/Lsf] ofqf to ug'{kg]{ lhDd]jf/L tkfO{

xfd|} sfFwdf 5 . oxfFx?sf] ;fy / ;dy{g /x] of] r'gf}tLkf/ ug{ cjZo ;lsg]5 eGg] d]/f]

ljZjf; 5 . t;y{, cfufdL lbgx?df bL3{sflng of]hgfx?sf] lgdf{0f ub}{ gofF ;f]r, sfo{qmd

/ cfofdsf ;fy cl3 a9fpg of] ;fwf/0f;efn] lbzflgb]{z ug]{ 5 eGg] d}n] ljZjf; lnPsf] 5' .

@= d'n'ssf] at{dfg cj:yf tyf ;xsf/LIf]q M ljut @ jif{otfsf] d'n'ssf] cfly{s j[l4n] xfdL ;a} g]kfnLnfO{ pT;flxt agfPsf] 5 . phf{sf]

cfk'tL{df ;xhtf b]lvPsf] sf/0f pBf]u Joj;foIf]q ;sf/fTds /xg] cg'dfg k|If]k0f ul/Psf]

5 . To;}u/L u|fld0f e]usf ljkGg ju{df k|jfxLt shf{df ;d]t kl5Nnf jif{x?df nuftf/ a[l4

eO{/x]sf] tYof+sn] b]vfPsf] 5 . @)&% c;f/ d;fGt ;Dd g]kfn /fi6« a}+saf6 O{hfht k|fKt

$@ n3'ljQ ;+:yfx?af6 s'n !* nfv (( xhf/ ;b:ox? nfeflGjt ePsf]df @)&^ c;f/



19

d;fGt ;Dd cfO{ k'Ubf g]kfn /fi6« a}+saf6 O{hfht k|fKt () cf]6f n3'ljQ ;+:yfx?af6 s'n

$# nfv #) xhf/ % ;o *^ hgf ;b:ox?n] ;]jf kfO{/x]sf 5g\ . ljlQo kx'Frsf] s'/f ug]{

xf] eg] afl0fHo a}sx? &%# :yflgo tx dWo] &#( tx ;Dd k'uL ;s]sf] tYof° 5 . o;af6

ljQ ahf/df k|lt:kwf{ tyf r'gf}tLsf] cj:yf ;xh} cfFsng ug{ ;sLG5 . ;xsf/L If]qsf] s'/f

ug]{ xf] eg] ;xsf/L P]g, lgod tyf ;DkQLz'4Ls/0f lgjf/0f ;DalGw lgb]{lzsf nufot y'k|}

sfg'gL cfwf/x? lgdf{0f ul/ ;xsf/L If]qnfO{ yk ;'b[9 agfpg tkm{ /fHo lqmoflzn /x]sf]

cfef; ePsf] 5 . ;xsf/Lsf] ;'b[9Ls/0fsf nflu sfg'gL tj/af6 C0f c;'nL Gofolws/0f

u7g ug'{, shf{ ;"rgf s]Gb| :yfkgf ug'{, ;d:of u||:t ;xsf/Lsf] cg'udg ug'{ nufotsf y'k|}

Joj:yf ePsf sf/0f ;xsf/L If]qsf] ;+:yfut ljsf;df hf]8 lbO{/x]sf] kfO{Psf] 5 . To;sf

cnfjf :yflgo :t/df ;xsf/Lsf] C0f gltg]{, efvf g3fpg], efUg] ;b:ox?nfO{ :yflgo

txaf6 pknAw x'g] ;fdflhs ;'/Iff tyf cGo ;]jfdf aGb]h nufpg] / wf/f tyf laB't

pkef]u ug{ ;d]t glbg] nufotsf ljleGg d'2fx?df v'nf ax; eO{/x]sf] 5 o;af6 ;xsf/Lsf]

;'b[l9s/0fdf ;/f]sf/jfnfx? ulDe/ e}/x]sf 5g\ eGg] a'em\g ;lsG5 .

#= ut jif{sf] l;+xfjnf]sg tyf rfn' jif{sf] gLlt tyf sfo{qmd cfb/l0fo z]o/ ;b:o dxfg'efjx?, ca d o; ;+:yfsf] cf=a= )&%÷)&^ sf] sfo{qmd tyf

k|ultnfO{ k|:t't ug{ rfx'G5' . o; ;+:yfn] ;b:ox?af6 z]o/ / ljleGg k|s[ltsf art

;+sngaf6 k"FhL a[l4 u/L tyf gk'u /sd afXo ;|f]taf6 C0f lnO{ ;/n, ;xh / n3'ljQ

sfo{qmd tkm{ 3/b}nf]d} uO{ shf{ k|bfg ub}{ cfO{/x]sf] s'/f oxfFx?dfem cjut} 5 . ;+:yfn]

ljkGg ju{nfO{ nlIftul/ ;~rfng u/]sf] n3'ljQ sfo{qmd tkm{ cfj4 ;b:ox?sf] cfly{s

pGgtL tyf ;xh lhjgofkgsf nflu ljQo ;]jf dfq} geO{ u}/ ljlQo ;]jfsf ?kdf lgz'Ns

ljleGg l;kd'ns tflnd, k/fdz{ / ;r]tgfd'ns ultljlw? ;~rfng ub}{ cfPsf] 5 . o:tf

ultljwLaf6 ;b:ox?sf] cfly{s / ;fdflhs :t/ a9\b} uPsf] 5 .

#=! ljQLo nIo tyf k|ult M;+:yfsf] s'n sf/f]af/ cf=j= @)&$÷)&% df ? @ ca{ #) s/f]8 ^% nfv * xhf/ (!%

?k}of /x]sf]df cf=j= @)&%÷)&^ sf/f]af/df em08} @% k|ltzt a[4L eO{ s'n sf/f]af/ ?

@ ca{ ** s/f]8 %( nfv #) xhf/ #@& ?k}of k'u]sf] 5 . h;sf] lj:t[t ljj/0f o;}

k|ltj]bgdf /x]sf] n]vfkl/Ifssf] k|ltj]bg af6 yfx kfpg ;Sg'x'g]5 . ;ldIff cf=j=df s'n

sf/f]af/df a[4L ePklg ;dod} cfjZostf cg';f/ nufgL ug{ g;lsPsf sf/0f ck]Iffs[t

;GRffng d'gfkmf cfh{g ug{ g;lsP klg cl3NNff] cf=j= eGbf !) k|ltztn] ;Grfng

d'gfkmfdf a[l4 ePsf] 5 . cf=j @)&%÷)&^ sf nflu ;+:yfn] cg'dfg u/]sf] tyf xfFl;n

u/]sf] jf:tljs ljlQo cj:yf lgDgfg';f/ /x]sf] 5 M



20

qm=;+= ljj/0f cf=j= @)&$÷)&% ut cf=j= @)&%÷&^ sf]

cg'dfg jf:tljs

!= z]o/ k'FhL 84,492,400 100,000,000 104,679,405

@= lgIf]k 1,159,978,317 1,645,000,000 1,502,196,564

#= shf{ nufgL 1,880,121,277 2,590,000,000 2,498,881,225.38

$= s'n cfDbfgL 352,675,259 46,95,82,760 45,27,77,474.16

%= s'n vr{ 279,123,277 37,85,82,760 37,25,83,696.14

^= ;+rfng d'gfkmf 73,551,983 91,000,000 80,193,778.03

#=@= l:ytL ljj/0f M cf=j= @)&%÷&^ ;Dd ;+:yfsf] l:ytL ljj/0f lgDgfg';f/ /x]sf] 5 .

qm=;+= ljj/0f @)&^

! ;]jf lj:tf/ lhNnf s}nfnL

@ pkdxfgu/÷gu/ kflnsf ^

# ufpF kflnsf &

$ s'n ;b:o ;+Vof %#,!@#

% s'n C0f ;b:o ;+Vof @%,(#*

^ zfvf÷;]jf s]Gb| @!

& dlxnf sd{rf/L ;+Vof $)

* k'?if sd{rf/L ;+Vof !@%

( hDdf sd{rf/L ;+Vof !^%

#=# k"FhLsf]ifsf] cj:yf M;+:yfsf] d'n wg eg]s} ;b:ox?af6 k|fKt z]o/ /sd / ;+:yfn] gfkmfaf6 jif]{gL hDdf ug]{ sf]ifsf] /sd g} xf] . ljut jif{x?em} o; jif{klg ;+:yfn] ck\mgf] d'n wg cyf{t k|fylds

k'FhLsf]ifdf a[l4 u/]sf] 5 . z]o/ k'FhL tyf hu]8fsf]if @)&% eGbf a[l4 ePsf] 5 . z]o/ k'FhL @@ af6 @$ k|ltzt k'u]sf] 5 eg] hu]8f @^ af6 @& k|ltzt k'u]sf] 5 .

qm=;+= k'FhL tyf sf]ifsf] ljj/0f @)&% c;f/ @)&^ c;f/ a[4L %Ü

!= z]o/ k"FhL 8,44,92,400 104,679,405.00 24%

@= hu]8f tyf sf]ifx? 21,00,77,218 267,417,739.16 27%



21

#=$ nufgL tyf kF"hL Joj:yfkgsf] cj:yf M o; ;+:yfn] cfk\mgf z]o/ ;b:ox?sf] shf{

cfjZostfnfO{ Joj:yfkg ug{ z]o/ k"FhLaf6 $ k|ltzt, hu]8f

tyf cGo sf]if ( k|ltzt, lgIf]k ## k|ltzt, ;fk6L %@ k|ltzt / cGo bfloTj @ k|ltzt u/L s"n k"FhL tyf bfloTj ? @

ca{ ** s/f]8 %( nfv #) xhf/ #@& ?k}of h'6fPsf] 5 .

#=% ;+rfng tyf d'gfkmfsf] l:yltMo; ;+:yfn] cf=j= @)&$÷)&% df #% s/f]8 @^ nfv &% xhf/ @ ;o %( s'n cfDbfgL ug{ ;kmn ePsf] lyof] . pQm cfDbfgLdf @& s/f]8 (! nfv @# xhf/ @ ;o &^ vr{ eO{

;~rfng d'gfkmf & s/f]8 #% nfv %! xhf/ ( ;o *@ ?k}of ;~rfng d'gfkmf cfh{g ug{ ;kmn ePsf] lyof] eg] cfly{s jif{ @)&%÷&^ sf] sf/f]af/df a[4L ePsf sf/0f cfDbfgLdf em08} @* k|ltzt a[4L eO{ ;+rfng d'gfkmfdf ;d]t a[4L ePsf] 5 . cf=j= @)&%÷)&^ df

$% s/f]8 @& nfv && xhf/ $ ;o &$ ?k}of cfDbfgL u/]sf] 5 . h;dWo] #& s/f]8 @% nfv *# xhf/ ^ ;o (^ vr{ eO{ * s/f]8 ! nfv (# xhf/ & ;o &* ?k}of ;+rfng

d'gfkmf cflh{t ug{ ;kmn ePsf] 5 . h;dWo] sd{rf/L af]g; / cfos/ Joj:yf s6fO{ ?=^ s/f]8 ** nfv #( xhf/ @ ;o (@ ?k}of v'b d'gfkmf cfh{g ug{ ;kmn ePsf] 5 .

cfDbfgL tkm{ M

qm=;+= ljj/0f @)&%÷)&^ @)&$÷)&% km/s Ü

!= Aofh cfDbfgL 38,88,07,021.29 300,581,530.03 29%

@= cGo cfDbfgL 5,74,19,774.52 43,463,385.21 27%

#= cg'bfg cfDbfgL 65,50,678.35 8,630,344.01 –24%

s'n cfDbfgL 45,27,77,474.16 35,26,75,259.25 28%

4% 9%

33%52%

2%

z]o/ k'+hL hu]8f tyf sf]ifx? ;fk6L lgIf]k bfloTj cGo bfloTj tyf Joj:yf



22

cf=j=@)&$÷)&% / @)&%÷)&^ df ePsf] cfDbfgLsf] ljj/0f lrq -?=Ps xhf/df_

-

50,000,000.00

100,000,000.00

150,000,000.00

200,000,000.00

250,000,000.00

300,000,000.00

350,000,000.00

400,000,000.00

v"b Aofh cfDbfgL cGo ;~rfng cfDbfgL u}/ ;~rfng cfDbfgL

आ.व. ०७५/७६ आ.व. ०७४/७५

vr{ tkm{{ M

qm=;+= ljj/0f @)&%÷)&^ @)&$÷)&% km/s Ü

!= Aofh vr{ 21,68,75,691.03 155,794,127.24 39 Ü

@= dn vl/b vr{ 1,10,08,070.87 11,338,021.00 -3_ Ü

#= sd{rf/L vr{ 7,21,33,436.2 63,790,338.50 13 Ü

$= ;+rfng vr{ 4,11,23,405.19 29,963,077.78 37 Ü

%= Joj:yf vr{ 3,14,43,092.84 18,237,712.18 72 Ü

s'n vr{ 37,25,83,696.14 27,91,23,276.70 33 Ü

;+:yfn] cf=j= @)&$÷)&% df cfk\mgf] ;Dk"0f{ sf/f]af/ kZrft ! s/f]8 $% nfv @% xhf/ # ;o

$! ?k}of s/ r'Qmf u/]sf] df . ut cf=j=df $) nfv ^$ xhf/ ! ;o $@ ?k}of s/sf nflu Joj:yf u/]sf] 5 . df}h'bf Joj:yf cg';f/ ;xsf/L ;+:yfsf] art tyf C0f sf/f]af/df % k|ltzt

dfq s/ ltg'{ kg]{ Joj:yf ePsf]n] o; jif{ ltg'{ kg]{ s/ bfloTj ut jif{sf] t'ngfdf 36]sf] xf] .



23

cf=j=@)&$÷)&% / @)&%÷)&^ df ePsf] vr{sf] ljj/0f lrq -?= Ps xhf/df_

-

50,000,000.00

100,000,000.00

150,000,000.00

200,000,000.00

250,000,000.00

Aofh vr{ dn laqmLsf] nfut sd{rf/L vr{ sfof{no ;~rfng vr{ ;DefLjt gf]S;fgLJoj:yf

आ.व. ०७५/७६ आ.व. ०७४/७५

$= n3'ljQ sfo{qmdM cfb/l0fo z]o/ ;b:o dxfg'efjx?, ca d o; ;+:yfn] ;+rfng ul//x]sf] n3'ljQ sfo{qmd

af/] ;+lIfKt ?kdf rrf{ ug{ rfxG5' . dlxnfx?sf] ;zlQms/0f, cfly{s ?kfGt/0fsf] dfWodaf6 ul/aL Go"lgs/0f ug]{ p2]Zon] @)^$ ;fnb]lv n3'ljQ sfo{qmd ;+rfng ub}{ cfO{/x]sf] 5 .

Ps bzssf] cjlwdf xhf/f}+sf] ;+Vofdf u/La ljkGg kl/jf/sf] cfly{s hLjg:t/df pNn]vlgo k|ult ePsf ;kmn pbfx/0fx? xfdL;+u 5g\ . ljlQo ;]jfaf6 ljd'v b'/b/fhsf hgtfnfO{ ;]jf lbg] nIosf ;fy 6\ofAn]6 a}lsËsf] cjwf/0ff cl3 ;f/]sf] 5 . lxhf] ;Dd s]Gb|a}7s

;~rfngsf nflu /lhi6/sf] k|of]u x'b} cfPsf]df kl5Nnf lbgx?df 6\ofAn]6sf] k|of]u ul/ a}7s ;~rfng eO{/x]sf 5g\ . o;n] ;b:osf] ;dosf] art ug'{sf ;fy} lkmN8 sd{rf/Lsf] sfdnfO{ ;d]t ;xh agfO{lbPsf] 5 . s]Gb| a}7s kZrft ;b:ox?sf] df]afO{ndf sf/f]af/sf] ljj/0f

P;=Pd=P; hfg yfn]sf] 5 . o;af6 ;b:ox?sf] ljlQo sf/f]af/sf ;"rgfx?df uf]klgotf

sfod x'g'sf ;fy} kf;a's af]Sg' kg]{ emGem6af6 ;d]t ;b:ox? d'Qm ePsf 5g\ .

n3'ljQdf cfj4 ;b:osf] Ifdtf clej[4Lsf nflu ljleGg l;kd'ns tflnd x? k|bfg ub}{ cfPsf 5f}+ . o;sf cltl/Qm ;b:onfO{ dfq geO{ ;b:osf] 3/kl/jf/df /x]sf a]/f]huf/ 5f]/f 5f]/Lx?nfO{ pBdL agfpg] p2]Zon] o; jif{af6 …glagÚ sfo{qmd ;Grfngdf NofPsf 5f}+ . o;

sfo{qmdaf6 n3'ljQdf cfj4 ;b:osf 5f]/f 5f]/Ln]] lgz'Ns ?kdf ?rL cg';f/sf] k|fljlws

l;kd"ns tflndx? k|fKt ug'{sf ;fy} Joj;fo ug{ C0f :j?k cfjZos lap kF"hL ;d]t k|fKt

ug]{ 5g\ .

cf=j= @)&$÷)&% cf=j= @)&%÷)&



24

g]kfnsf] n3'ljQ If]qdf klxnf] k6s afl0fHo a}+sx?n] k|of]udf NofPsf] h:t} ;Dk"0f{ ;'ljwf ;lxtsf] …df]afO{n a}ls+u ;]jfÚ tyf …ld;sn a}ls+u ;]jfÚ o;} jif{af6 xfdL z'? ug{ uO{/x]sf 5f}+ . o; ;]jfsf] k|of]uaf6 n3'ljQsf ;b:ox?n] csf]{ a}+sdf tyf csf]{ vftfdf /sd 6«fG;km/ ug{, vftfaf6 C0fsf] ls:tf ltg{, s]Gb| a}+7ssf] hfgsf/L lng, a}7sdf ltg'{kg]{ /sdsf] hfgsf/L lng, df]afO{n l/rfh{ ug{, lsgd]n ug{ nufotsf y'k} ljlQo Jojxf/ df]afO{nsf] k|of]uaf6 ug{ ;Sg]5g\ . o;sf cltl/Qm u||fld0f e]usf ;fdfGo n]vk9 ug{ hfGg] tyf ;fdfGo df]afO{n k|of]u ug]{ ;b:o lblb axLgLx?nfO{ nIfLt ul/ Úld;sn a}+ls+u ;]jfÚ z'? ug{ uO{/x]sf 5f}+ . o; ;]jf dfkm{t cfk\mgf] ;fdfGo df]afO{naf6 ;+:yfsf] ;Dks{ gDa/df Úld;snÚ u/]/ ;b:on] cfk\mgf] vftfsf] hfgsf/L lng tyf df]afO{n l/rfh{ ug{ ;Sg]5g\ . of] ;+u}, k|ljlwdf cfwfl/t ljlQo ;]jf pkof]u k|j[QLnfO{ a9fjf lbO{ g]kfns} gd'gf, k|ljlw o'Qm n3'ljQ sfo{qmd agfpg] ;+:yfsf] Wo]o /x]sf] 5 .

n3'ljQ sfo{qmd ;+u ;+u} ;xsf/L ;]jfsf] kx'Fr lj:tf/ ug]{ p2]Zon] n3'ljQsf ;Dk"0f{ zfvfx?df ;xsf/Lsf] ljlQo ;]jf yk ug{ uO{/x]sf 5f}+ . o;af6 lhNnfe/L 5l/P/ /xg' ePsf ;xsf/L ;b:ox?n] ;d]t ljleGg zfvf dfkm{t nfefF; e'QmfgL lng tyf ;xsf/L tkm{sf cGo ljlQo ;]jf k|fKt ug{ ;Sg'x'g]5 .

z]o/ ;b:o dxfg'efjx?, ;+:yfsf] k|utL o; ;+:yfdf cfj4 ;b:ox?sf] k|utLsf] k|ltlaDa xf] . ;b:ox?nfO{ cfly{s ?kdf ;ZfQm ug{ ;s] dfq} ;+:yfsf] prfO{ r'lng ;S5 eGg] ;+:yfsf]] b[9 dfGotf /lx cfPsf] 5 . ;+:yf :yfkgfsf] ;dodf o; If]qdf ljlQo ;+:yfx? zfvf vf]nL sf/f]af/ ug{ gfs v'DRofpg] cj:yf lyof] . xfn cfP/ eg] ljlQo ;+:yfx?sf] pkl:ytL afSnLb} uPsf] tkfO{ xfdL ;a}nfO{ ljlwt} 5 . ljlQo ;+:yfx?sf] pkl:ytL dfq}n] cfly{s tyf ;fdflhs ?kfGt/0f ;Dej x'Fb}g . pBdlzntf tyf ;fwg;|f]tsf] kl/rfngdf bIftfn] ;d[4L ;Dej x'G5 . kl5Nnf jif{x?df ljlQo ;+:yfx? vf; ul/ n3'ljQ ;+:yfx?sf] ;+Vofdf cfPsf] ;+VofTds a[4Ln] hgtfdf ;xh ljlQo kx'Fr k'¥ofPklg n3'ljQ ;+:yfx? larsf] c:j:y Joj;flos k|lt:k|wfn] o;sf] dd{ dfyL k|xf/ eO{/x]sf] 5 . ;b:ox?nfO{ Joj;flos agfP/ shf{ k|jfx u/] dfq} ;+:yf Joj;foLs ?kdf ;kmn x'g ;S5 eGg] s'/fdf of] ;+:yf ;r]t 5 . t;y{ o:tf] k|lt:kwf{sf jfjh'b xfd|f] n3'ljQ sfo{qmd cfk\mg} ultdf cl3 al9/x]sf]] 5 . o;sf ;fy} o:tf r'gf}ltx?sf] ;fdgf ug{ k|fyldstfsf ;fy /0fgLltx? agfO{ nfu' ul//x]sf] 5 . n3'ljQ sfo{qmd dftxt ljleGg ljefux? v8fu/L tflnd, cg'udg, lgl/If0f nufotsf sfo{x?nfO{ lta|tf lbO{ n3'ljQdf b]lvPsf pT>[+vn k|j[QL tyf cg'zf;glxgtfnfO{ lg?T;flxt ul//x]sf] 5 . n3'ljQ sfo{qmdf ;dfj]z ePsf dlxnfx?sf nflu lgz'Ns l;kd'ns tflnd, ljlQo ;fIf/tf tyf ;zlQms/0f cleofgx? ;+:yfn] ;~rfng ub}{ cfPsf] 5 .

%= ;fdflhs pQ/bfloTj M cfb/0fLo z]o/wgL dxfg'efj Ho"x? of] ;+:yf :yflgo :t/df oxfFx?s} ;fy / ;dy{gn]

hGdLPsf] / km:6fPsf] ;+:yf xf] . :yflgo :t/df 36\g] ;–;fgf 36gf–kl/36gf tyf To;n]



25

kfg]{ k|efjaf6 ;+:yf ;d]t c5'tf] /xg ;Sb}g . :yflgo :t/df ;sf/fTds kl/jt{g cyjf cfly{s ;d[l4 eP dfq} To;sf] s]xL nfe ;+:yfn] kfpg ;S5 eGg] xfd|f] dfGotf /x]sf] 5 . t;y{, o; ;+:yfn] gfkmf a[l4 ;+u} ;fdflhs of]ubfgdf klg ;lqmo e"dLsf lgjf{x ub}{ cfPsf] 5 . ut d+l;/ !& ut]] b]vL ;+:yf @% cf}+ jif{df k|j]z u/]sf] cj;/ kf/]/ ljleGg ;fdflhs pQ/bfloTjsf sfo{qmdx? cuf8L ;f/]sf] 5 . oxfFx?sf] ;xof]un] lt sfo{qmdx? ;d'bfo :t/df nfu' ug{ ;sLg] ck]Iff u/]sf 5f}+ . To;} u/L o;} jif{af6 z}lIfs ;+:yf nlIft ljljw sfo{qmdx? ;d]t yfngL u/]sf 5f}+ . lzIf0f;+:yfdf sfo{/t lzIfs lzIfLsfx?nfO{ ljlQo ;If/tf ;DalGw k|lzIfs k|lzIf0f lbPsf 5f}+ . ljleGg ljBfnox?nfO{ ljlQo tyf u}/ ljlQo ;xfotf pknAw u/fPsf 5f}+ . af}gLof l:yt ;xf/f3/nfO{ cfjZos kmlg{r/ tyf vfBfGg pknAw u/fPsf 5f}+ . ;+:yfsf] lg/Gt/ sf/f]af/ a[l4 tyf gfkmf a[l4;+u} ;+:yfsf] ;fv (Credibility) df ;d]t pNn]Vo a[4L ePsf] 5, ;+:yfsf] ;fv a[4L;+u} xfd|f] ;fdflhs pQ/bfloTj ;d]t a9]sf] dx;'; ul/ ;fdflhs lqmofsnfkdf hf]8 lbg ut cf=j=df tkl;n adf]lhdsf sfo{qmdx? ;Dkfbg ul/Psf 5g\ M%=! /fxt tyf ;'ljwf ljt/0f

n3'ljQ sfo{qmddf cfj4 dlxnf ;b:ox?nfO{ ljleGg cj:yfdf pknAw u/fPsf] /fxt tyf ;'ljwf ljj/0f o; k|sf/ 5 M

/fxt÷;'ljwf ;b:o ;+Vof /sd

;'Ts]/L :ofxf/ vr{ 5042 4,90,2500

cfunfuL /fxt 191 3,80,740

d[To"nfe -;b:o_ 342 23,00,500

d[To"nfe ->Ldfg_ 766 48,52,950

shf{ ladf /Iffj/0f ;b:o 434 1,83,05,318

shf{ ladf /Iffj/0f >Ldfg 237 92,62,209

cGo ;fdflhs ;'/Iff 29 7,25,000

hDdf &)$! 40729217

%=@ sfhlqmof vr{ut cf=j=df d[To' x'g] $@ hgf z]o/ ;b:osf] kl/jf/nfO{ >4f~hnL ;lxt ?= @%))) sf b/n] ?= !),%),))) ?k}ofF sfhlqmof vr{ pknAw u/fPsf] 5 .

%=# 5fqj[lQ ljj/0f ljutsf jif{x? em} 5fqj[lQ ;'ljwfnfO{ lg/Gt/tf lbO{Psf] 5 . k|j]zLsf kl/Iffdf pTs[i6 c+s Nofpg] $& hgf ;b:osf 5f]/f÷5f]/Lx?nfO{ ?= #,#%,))) 5fqj[lQ jfkt pknAw u/fO{Psf] 5 .



26

^= nfef+z lat/0fM tkfO{x¿sf] cufw :g]x / ;+:yfk|ltsf] ljZjf;sf sf/0f ;+:yfn] cf=j= @)^%÷)^^ af6 lg/Gt/

!% k|ltztsf b/n] nfefF; ljt/0f ub}{ cfPsf] df ut cf=j= af6 !* k|ltzt nfefF; ljt/0f ug]{

;fwf/0f ;efsf] lg0f{o adf]lhd of] ;fwf/0f;efn] k|ltj]bg l:js[tL kZrft !* k|ltzt nfefF;

ljt/0f ul/g]5 . o;/L nfefF; ljt/0f ubf{ z]o/ ;b:osf] art vftfdf nfefF; /sd bflvnf

ug]{ ul/Psf]n] o; cl3 nfefF; glng'ePsf / ;+:yfdf art vftf gePsf ;b:o Ho"x?nfO{

oyflz3| s]lGb|o sfof{no jf zfvf sfof{nox?df ;Dks{ul/ art vftf vf]ln nfefF; a'em\gsf

;fy} cfk\mgf] JolQmut ljj/0f cBfjlws u/fpg' x'g' ;d]t cg'/f]w ub{5' .

&= ;+:yfut lasf; tyf ;'zf;gsf] cj:yfM ljlQo ;+:yfdf ;'zf;gsf] cj:yf hlt bl/nf] eof] ;+:yf klg TotLs} bl/nf] x'G5 eGg]

dfGotf;+u k'0f{ ;xdt eO{ ;+:yfut ;'zf;g sfod /flv/xg cjnDag ul/Psf] gLlt cg"?k

ut cf=j=df tkl;n adf]lhdsf pknAwLx? ePsf 5g\ M

f sd{rf/Lsf] dgf]an pRr /flv/xg ljut jif{x?em} cfjZos tflnd tyf k'gtf{huL

lqmofsnfkx?sf] cfof]hgfnfO{ lg/Gt/tf lbO{Psf] 5 . /fli6«o tyf cGt/fli6«o tfnLd

tyf ;]dLgf/x?df sd{rf/Lx?nfO{ ;xefuL u/fO{Psf] 5 .

f cfGtl/s n]vf kl/If0f ;ldlt nufot cGo pk;ldltx?n] lbg] ;'emfj tyf lgb]{zgx?

k"0f{ sfof{Gojg ug]{ k|lqmofnfO{ lg/Gt/tf lbO{Psf]5 .

f ;'zf;gsf] cj:yf a'e\mg ;xh xf]; eGg] x]t'n] ;Dk"0f{ zfvfx?df u'gf;f] k]6Lsf

(Complain Box) k|of]udf NofO{ ;s]sf 5f} . o;} jif{af6 ;b:onfO{ u'gf;f] btf{ ug{ ;xh xf]; eg]/ k};f gnfUg] kmf]g …6f]n lk|mÚ gDa/sf] Joj:yf u/]sf 5f}+ . tkfO{sf ;Nnfx

;'emfj / u'gf;fx? xfdLnfO{ ;'gfpg s[kof k};f gnfUg] kmf]g g+= !^^)(!!&### df kmf]g

ug{x'g ;Dk"0f{ ;b:o dxfg'efjx?nfO{ ;"rLt ug{ rfxG5' .

f l56f] 5l/tf] / ljZjfl;nf] ;]jf k|bfg ug{sf nflu ;Dk"0f{ zfvf÷;]jf s]Gbdf sfo{/t

sd{rf/Lx?nfO{ ;do tflnsf (Work Timing Chart) cg';f/ l56f] 5l/tf] / e/kbf]{ ;]jf k|jfx ug{ lgb]{zg lbO{P cg';f/ sfo{ eO{/x]sf] 5 .

f u|fxs ;'/If0f l;4fGt tyf …:df6{;l6{lkms];gÚ nfO{ Wofgdf /fvL o;} jif{af6 yk s]xL

gof“gLltx? nfu' u/]sf 5f} / cfufdL lbgdf ;d]t ;+:yfut ;'zf;gnfO{ bl/nf] agfO{

/fVg cfjZostf cg';f/ ;~rfns ;ldltaf6 yk gLlt th'{df ul/ nfu' ul/g] 5 .

f ;+:yfsf] cfGtl/s lgoGq0f k|0ffnLnfO{ Joj:yf ug]{ ljleGg ljefu tyf lhDd]jf/L afF8kmf8

eO{ lgoldt sfd sfo{jfxL eO{/x]sf] 5 . / cfufdL lbgdf cfjZostf cg';f/ yk ljefu

tyf ;]n u7g ul/ cfGtl/s lgoGq0f k|0ffnLnfO{ yk Jojl:yt / r':t agfO{g] 5 .



27

&=! ef}tLs k'jf{wf/McfjZostf cg';f/ :yfoL ;DkQL hf]8\g] sfo{ ul//x]sf 5f}+ . k|ljlwsf] If]qdf dha't k'jf{wf/ v8f ug{ ;kmn ePsf 5f} . cl3Nnf] cfly{s jif{df % s/f]8 !( nfv xf/fxf/L

/x]sf] l:y/ ;DkQL @)&^ c;f/ d;fGt ;Dd cfO{k'Ubf !( k|ltztn] a[4L eO{ ^ s/f]8 !^ nfv k'u]sf] 5 .

&=@ laleGg sf]ifx?sf] :yfkgfMut cj em} o; cf=j=df ;d]t ;+:yfn] tkl;n adf]lhdsf sf]ifx?df /sd yk ul/ sf]ifx?nfO{ Jojl:yt u/]sf] 5 . ;+:yf ;+u cf=j= @)&% c;f/ d;fGt ;Dd !^ s/f]8 ^&

nfv %% xhf/ ^&@ ?k}ofsf] sf]ifx? /x]sf]df o; jif{ % s/f]8 @# nfv $) xhf/ (& ?k}of ljleGg sf]ifx?df yk eO{ ?= () nfv !* xhf/ %%@ e'QmfgL eO{ hDdf sf]if /sd

?= @! s/f]8 && xhf/ @ ;o !* ?k}of k'u]sf] 5 .

@)&^ c;f/ d;fGt ;Ddsf] sf]ifx?sf] ljj/0f qm=;+= sf]ifx?sf] ljj/0f ut jif{ ;Dd -?_ o; jif{ yk -?_ o; jif{ e'QmfgL hDdf sf]if -?_

1 ;fwf/0f hu]8f sf]if 10,68,25,885.78 20,548,933.02 127374818.80

2= ejg lgdf{0f sf]if 4,08,62,607.26 0 3,767,361.00 37095246.26

3= z]o/ nfefF; sf]if 1,00,35,920.00 7,272,859.51 17308779.51

4= 3f6f k"lt{ sf]if 1,35,34,921.63 3,846,395.44 17381317.07

5= sd{rf/L sNof0f sf]if 66,82,521.02 3,694,737.44 10377258.46

6= ;xsf/L lzIff sf]if 64,06,361.88 4,037,395.44 10443757.32

7= ;xsf/L ljsf; sf]if 65,61,505.02 3,497,453.44 10058958.46

8= ;xsf/L k|j4{g sf]if 1,96,275.37 258,147.35 454422.72

9= ;+/lIft k'FhL sf]if 1,89,71,220.14 12,182,367.26 31153587

10= ;b:o ;'/If0f sf]if 0 3,846,395.44 3846395.44

11= hf]lvd Joj:yf sf]if 0 1,923,197.72 1923197.72

hDdf 21,00,77,218.10 57,340,521.06 3,767,361.00 267417739.16



28

sf]ifx? a[4L tflnsf -k|ltztsf cfwf/df_

-20%

0%

20%

40%

60%

80%

100%

120%

;fwf/0f hu]*f ejg lgdf0f{ z]o/ nfef+; #f F̂ k'lt{ sd{rf/L sNof0f ;xsf/L lzIff ;xsf/L lasf; ;xsf/L k|a{wg ;+/lIft k'+hL ;b:o ;''/If0f hf]lvd Joj:yf

yk k|ltztut jif{ k|ltzt

&=# dfgj ;+;fwgsf] cj:yfMcfb/0fLo z]o/ ;b:o dxfg'efj Ho"x? ;+:yfsf] nIo pGd'v k|utL ;+u} o; ;+:yfn] o;

If]qdf k|z:t /f]huf/Lsf] cj;/ ;d]t ;[hgf ul/ lbPsf] 5 . x/]s jif{ ;+:yfsf] kl/jf/ leq gofF sd{rf/L ;fyLx?sf] k|j]z eO{/x]sf] oxfFx?nfO{ klg cjut} 5 . ;fy} sd{rf/L a9\b} hfFbf lgoGq0f k|f0ffnL (Controling System) ;d]t k|efjsf/L agfO{Psf] 5 . sd{rf/Lsf] a[4L;+u} sd{rf/Lsf] l;h{gzLntf ;d]t a9fpFb} n}hfg ;+:yfn] ljleGg cfGtl/s lqmofsnfkx? ub} cfPsf] 5 / cfufdL lbgdf ;d]t To:tf lqmofsnfknfO{ a9fpFb} n}hfg] 5 . @)&% c;f/ d;fGt ;Dd ;+:yfdf sfo{/t sd{rf/Lsf] ljj/0f lgDgfg';f/ /x]sf] 5 M

dlxnf sd{rf/L ;+Vof M $) hgf

k'?if sd{rf/L ;+Vof M !@% hgf

hDdf sd{Rff/L ;+Vof M !^% hgf

o; jif{ b]lv sd{rf/Lx?sf nflu clgjfo{ ljbfsf] Joj:Yf ul/Psf] 5 . ;+:yfsf] pGgtL k|utLdf cxf]/fq vl6g] sd{Rff/Lx?n] kl/jf/ tyf ;dfhLs ;DaGwnfO{ ;d]t ;'dw'/ agfO{

/fVg' k5{ eGg] xfd|f] dfGotf xf] . ;f]xL dfGotfg';f/ !) lbgsf] tna ;lxt !) lbg clgjfo{ labfsf] Joj:Yff nfu' u/]sf xf} . ;fy} sd{rf/Lsf] dgf]an pRr /fVb} sfo{;DkfbgnfO{

k|efjsf/L agfpg] p2]Zo cg'?k x/]s jif{ sd{rf/LnfO{ k'/:s[t ub}{ cfPsf]df ut jif{ ljleGg zfvfdf sfo{/t ljleGg tx tyf kbdf sfo{/t $ hgf sd{rf/LnfO{ jif{ sd{rf/Lsf ?kdf k'/:s[t u/]sf lyof}+ .



29

&=$= ;"rgf k|ljlwsf] k|of]u Mcfhsf] o'u ;"rgf k|ljlwsf] o'u xf] ;'rgf k|ljwLsf] k|of]uaf6 ;/n tyf ;xh tl/sfn] ;]jf k|bfg ug{ tyf ;+:yfut ;'zf;gnfO{ ;d]t pRr /flv /xg tkl;n adf]lhdsf

sfo{qmdx? ul/Psf] 5 M f u|fxsx?sf] dfu adf]lhd ;+:yfsf] nDsL l:yt sfof{nodf P6LPd h8fg ul/Psf]

5 . To;}u/L g]kfnsf s'g}klg a}s tyf ljlQo;+:yfsf P6LPd d];Lgdf o; ;+:yfsf] sf8{ k|of]u ul/ /sd lemSbf s'g} z'Ns gnfUg] Joj:Yf ldnfO{Psf] 5 . ;+:yfsf] /ht hoGtL jif{sf] cj;/ kf/]/ xfn vftf vf]Ng] ;b:onfO{ lgz'Ns P6LPd k|bfg ub}{5f}+ . f …ls;fg :df6{Ú gfd lbO{Psf] gofF df]afO{n PK; sf] ljsf; ul/Psf] 5 . ;Dk"0f{

;b:ox?nfO{ u'un Kn]:6f]/ tyf Pk :6f]/ af6 ;f] Pk 8fpgnf]8 ul/ df]afO{n a}lsË ;]jf pkef]u ug{ cg'/f]w ug{ rfxG5' . o;cl3 of] ;]jf k|of]u u/]afkmt aflif{s z'Ns lng] u/]sf]df xfnnfO{ /ht hoGtL jif{sf] cj;/ kf/]/ xfdLn] u|fxs tyf ;b:o

dxfg'efjx?nfO{ of] ;]jf lgz'Ns lbO{/x]sf 5f}+ . dfyL hfgsf/L u/fO{ ;lsP cg';f/ o;} jif{af6 n3'ljQ ;b:osf nflu …df]afO{n a}ls+uÚ / …ld;sn a}ls+uÚ z'? ug{

uO{/x]sf 5f} . f o"=s]= P8 ;Ifd ;+usf ;xsfo{df ;Grflnt ls;fg ?/n l8lh6n a}ls+u kl/of]hgf clGtd r/0fdf /x]sf] 5 . o; kl/of]hgf dfkm{t ;'wfl/Psf] 6\ofAn]6 a}ls+u ;]jf,

P6LPd, :df6{;l6{lkms]zg, n3'ljQ zfvf dfkm{t ;xsf/L ;]jf k|jfx, ljlQo ;fIf/tf sfo{qmd, ljBfyL{;+u ls;fg, ljBfyL{ eljio art vftf nufotsf lqmofsnfkx?

ePsf 5g\ . o;sf cltl/Qm ;"rgf k|ljlwsf nflu cfjZos pks/0fx? ;d]t kl/of]hgf cGtu{t vl/b ul/Psf] 5 . f ;+:yfsf] cfk\mg} j]j ;fO{6 www.kisancoop.com.np nfO{ cku|]8 ul/Psf] 5 . ;~rfng ul/Psf] 5 . O{G6/g]6sf] kx'r ePsf u|fxs, ;b:ox?n] o;} j]j;fO{6 dfkm{t ;+:yf ;DalGw ;Dk"0f{ hfgsf/L, ;"rgf kfpg ;Sg'x'g]5 . f ;+:yfsf] df]afOn a}+lsË …ls;fg :df6{Ú k|of]u u/L nDsL ;fgf zx/L vfg]kfgL tyf

;/;kmfO{ ;+:yfsf] vfg]kfgL dxz'n e'QmfgL ug]{ Joj:yf u/]sf 5f}+ . ;Dk"0f{ ;b:o

tyf vfg]kfgL pkef]Qmfx?nfO{ dxz'n ltg{ ;+:yfsf] df]afO{n a}lsË k|of]u ug{ x'g cg'/f]w ug{ rfxG5f}+ .

&=% gLlt, lgb]{zLsf tyf cGo j}wflgs b:tfj]hx?sf] cj:yfM;+:yfn] ;+:yf ;~rfngsf nflu b]xfo adf]lhdsf !( j6f lgtL, lgb]{lzsf tyf dfkb08 th'{df ul/ nfu' u/]sf] 5 . o; jif{af6 u|fxs ;'/If0f l;4fGt nfu' ug{ yk ^ j6f gLlt tyf dfkb08 th'{df ul/ nfu' u/]sf 5f}+ . pQm gLlt tyf dfkb08 cg'df]bgsf nflu o;

;ef ;dIf cg'/f]w ub{5' . cfufdL lbgdf cfjZostf cg';f/ gLlt lgodx? agfO{ nfu' ul/g]5 .



30

qm=;+= gLlt tyf lgb]{lzsf1 ljlgod2 shf{ gLlt lgb]{lzsf3 sd{rf/L k|zf;g lgodfjnL4 cfly{s k|zf;g lgodfjnL5 n3'ljQ sfo{qmd lgb]{lzsf6 n3'ljQ ;]jf lgb]{lzsf7 n3'ljQ sfo{qmd ;d"x k|j]z k'j{ tflnd lgb]{lzsf8 shf{ ckn]vg ljlgodfjnL9 ;+~rfns tyf sd{rf/L cfrf/ ;+lxtf10 n3'ljQ sfo{qmd ;Grfng tyf sfo{ ljlw lgb]{lzsf11 ?/n l8lh6n a}lsË kl/of]hgf sfof{Gjog tyf Joj:yfkg sfo{ ljlw12 b}lgs sfo{ ;Grfng sfo{ljlw13 shf{ hf]vLd lgoGq0f dfkb0814 ahf/ cGj]if0f, sfo{If]q lj:tf/ tyf ;]jf ljljwLs0f dfkb0815 ;b:o ;Gt'i6L dfkg gLlt tyf dfkb0816 ;b:o ;"rgf uf]klgotf gLlt tyf dfkb0817 ;b:o u'gf;f] lg/fs/0f gLlt tyf dfkb0818 ;b:o alx/udg ;j]{If0f dfkb0819 ;DklQ z'l4s/0f lgjf/0f ;DaGwL gLlt tyf sfo{ljwL

*= tflnd tyf uf]i7L M ;+:yfn] ;b:o, ;Grfns tyf sd{rf/Lx?sf] Ifdtf clej[4Lsf nflu x/]s jif{ cfjZostf

cg';f/ ljleGg lsl;dsf tflnd tyf uf]i7Lx? cfof]hg ug'{sf ;fy} b]z leq tyf afxL/ x'g] tflnd tyf uf]i7Lx?df ;d]t ;xefuLtf hgfpFb} cfPsf] 5 . o;} qmddf cf=j=@)&%÷)&^ df ;+:yfn] ;~rfng u/]sf tyf ;xefuLtf hgfPsf tflndx?sf] ljj/0f lgDgfg';f/ /x]sf] 5 .

-s_ ;b:o tflndMqm=;+= sfo{qmdsf] gfd ;+Vof nfeflGjt ;+Vof

!= Joj;flos afv|fkfng tfnLd @! !@*! hgf

@= Rofpv]lt tfnLd &# #@^% hgf

#= a+u'/kfng tfnLd ## &!@ hgf

$= nx/]afnL ;DalGw tfnLd !$& @^*( hgf



31

%= x:tsnfsf ;fdu|L, s';'g, u'8Lof agfpg] tfnLd ! @% hgf

^= ljlQo ;fIf/tf -lzIfs k|fWofks_ ! #) hgf

&= ljBfly{nfO{ ljlQo ;fIf/tf tfnLd @ $)) hgf

*= Joj;flos afv|fkfng tfnLd @! !@*! hgf

hDdf @(( (^*#

-v_ ;+rfns tflnd÷cjnf]sg e|d0fM! n3'ljQ ljlQo ;+:yfx?sf] cjnf]sg @ lkmlnlkG;

@ cjnf]sg e|d0f @ lkmlnlkG;

# ;xsf/L ;+:yfx?sf] cjnf]sg e|d0f ! k"aL{ g]kfnsf lhNnfx?

hDdf %

-u_ sd{rf/L tflnd÷cjnf]sg e|d0fM! Exposure Visit of Project ! !

@ Basic Account management training ! #

# Operation process of microfinance ! $

$ Effective communication for behavior change @ @*

% Communication, motivation and behavior change ! @*

^ Effective public speaking and anchoring programme ! @!

& MIS Management system ! !

* Motivation, communication and customer Behaviors ! #)

( Effective communication and team building ! @

!) Skill Development of trainers in the area promotion and financing

! %

!! Communication and Motivation ! &

!@ Managing Field Operation # *

!# Developing Managerial proficiency of micro-finace branch manager

! @

!$ Financial reporting and tax policy ! !

!% Tax and account management training ! @

!^ Training on book keeping and account management for Microfinance

! @

!& Programme on adopting area based integrated ! @



32

!* Advance Excel Training ! #

!( International training on internal audit System ! @

@) Orientation on Nobin programme ! @

Total @# !%$

(= ;b:ox?sf] ;'emfj / To;sf] sfof{GjogM o; ;+:yfn] o;} aif{b]lv ;b:ox?nfO{ ;]jfdf k"0f{ ;Gt'i6L lbg] ;f]rsf ;fy s]Gb| a}7sdf

5nkmn, s]Gb| k|d"v uf]i7Ldf 5nkmn nufot cf}krfl/s tyf cggf}krfl/s ?kdf ;'emfjx? u|x0f ul/ pQm ;'emfjx? pk/ cfjZostf cg';f/ sfo{jfxL ub}{ cfPsf] 5 . lgs6 eljiod} zfvfx?df ;'emfj k'l:tsf /fvL ;'emfj ;+sng ug]{ tyf ;j]{If0f kmf/d dfkm{t a:t' tyf ;]jfx?sf] af/]df hfgsf/L xfl;n ug]{ sfo{sf] z'?jft ug]{ of]hgf /x]sf] 5 .

!)= cfuGt's ;+:yfx?sf] ljj/0fM kl5Nnf] ;do ;+:yfdf e|d0f ug{ cfpg] cfuGt'sx?sf] ;+Vofdf a[4L x'b} uPsf] 5 . ;+:yfn]

;~rfngdf NofPsf 6\ofAn]6 a}lsË, Plss[t s[lif kmd{ nufotsf gljgtd sfo{x?sf] cg'ej ;+ufNg cGo lgsfosf k|ltgLlwx? cfpg] ub{5g\ . To;}u/L ;+:yfn] ;~rfng u/]sf] n3'ljQ sfo{qmdsf] ;kmntfsf] l;sfO{ u|fx0f ug{ ;d]t cfuGt'sx?sf] rf;f] /xg] u/]sf] kfO{Psf] 5 . ut cf=j= -@)&%÷)&^_ df o; ;+:yfdf cWoog÷cjnf]sgsf cfuGt's ;+:yf tyf lgsfox?sf] ljj/0f lgDgfg';f/ /x]sf] 5 M

cfuGt's ;+:yfsf] ljj/0f

qm=;+= cfuGt's ;+:yfsf] gfd, 7]ufgf;xefuL ;+Vof

ldlt

! s~rg emnf/L ;xsf/L ;+:yf lnld6]8, s~rgk'/ & @)&%÷)$÷@*

@ a[x:klt l/;r{ P08 6]«lgª ;]G6/, -gjlhjg ;xsf/L wgu9L_ @ @)&%÷)^÷)@

# la=l6=Pn 6]«8, wf]la3f6 sf7df08f}+ @ @)&%÷)^÷)$

$ u'8 l/6g{ -jN8{ Ph's]zg ci6«]lnof lnld6]8_ ^ @)&%÷)^÷!(

% dflnsf art tyf C0f ;xsf/L ;+:yf alb{of @) @)&%÷)*÷@@

^ lxdfno art tyf C0f ;xsf/L ;+:yf lnld6]8, alb{of #) @)&%÷)*÷@%

& cfwf/lznf art tyf C0f ;xsf/L ;+:yf xl/jg, ;nf{xL !% @)&%÷)(÷!&

* d]?b08 art tyf C0f ;xsf/L ;+:yf lnld6]8 ?kGb]xL #) @)&%÷)(÷!&

( k|utL art tyf C0f ;xsf/L ;+:yf lnld6]8 !% @)&%÷!)÷)#

!) ;Ifd PS;]; 6" kmfO{gfG; sf7dfG8f} % @)&%÷!)÷!&

!! bfpGg]b]jL ax'p2]ZoLo ;xsf/L ;+:yf ln= s~rgk'/ @* @)&%÷!!÷)%



33

!@ ;lhnf] art tyf C0f ;xsf/L ;+:yf nfdfrf}/ kf]v/f !! @)&%÷!@÷)^

!# k/f]ksf/L ;xsf/L ;+:yf lnld6]8 !# @)&%÷!@÷)!

!$ rf}/kf6L ufpkflnsf c5fd @* @)&%÷!@÷@!

!% >L hgHof]tL art tyf C0f ;xsf/L ;+:yf lnld6]8, s~rgk'/ !( @)&%÷!@÷@!

!^ k~rlzn ax'p2]ZoLo ;xsf/L ;+:yf ln=, nlntk'/ #% @)&%÷!@÷@@

!& lxdr'nL art tyf C0f ;'xsf/L ;+:yf lnld6]8, e}/xjf #) @)&%÷!@÷@^

!* ;xsf/L dGqfno, k|b]z g+ % #) @)&%÷!@÷@(

!( ;'xfxf/f sf7df08f} $ @)&^÷)!÷)$

@) dfOqmf] qm]l86 /]l6Ë OG6/;]zgn lnld6]8 ef/t $ @)&^÷)!÷)^

@! gjf]bo ax'p2]ZoLo ;xsf/L ;+:yf ln=,emfkf @$ @)&^÷)!÷)(

@@ ;fxf/f g]kfn ;sf];, emfkf !* @)&^÷)!÷!)

@# lzv/ h8La'6L pTkfbs ;xsf/L ;+:yf ln=, af+s] #) @)&^÷)!÷!%

@$ jftfj/0f ;"wf/ ax'p2]ZoLo ;xsf/L ;+:yf, ;'v]{t !% @)&^÷)!÷!^

@% cfnf]kfnf] art tyf C0f ;xsf/L ;+:yf lnld6]8, ;'v]{t !^ @)&^÷)!÷!(

@^ lzj ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8, alb{of ## @)&^÷)@÷)$

@& rGb|k'/ gu/ ;xsf/L ;~hfn, /f}tx6 $) @)&^÷)@÷@^

@* gjk|ltef art tyf C0f ;xsf/L ;+:yf lnld6]8, gjnk/f;L #^ @)&^÷)@÷#!

@(= ;fO{gf] ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8, af+s] ^ @)&^÷)#÷)*

#) l;r'jf+g ;"lhª O{G8li6«h sDkgL, rLg ^@ @)&^÷)#÷@&

hDdf ^!$

!!= ;dGjo÷;DaGw lj:tf/M ;+:yf o;} jif{ b]vL g]kfn lads ;+3sf] dWo:ytfdf xfdLn] /fli6«o ladf ;ldltaf6 ladf

Ph]G6sf] cg'dtL kfPsf 5f}+ . …:df6{ ;l6{lkms];gÚ sf] /]6Lª\ sfo{sf nflu ljb]zL ;+:yfx?;+u

;dGjosf] k|of; eO{/x]sf] 5 . To;} ul/ cGt/fli6«o :t/sf] a|f08 …:df6{ ;l6{lkms]zgÚsf nflu u'8 l/6g{ g]kfn;+u ;DaGw :yflkt u/]sf] 5 . To;}u/L ;Ifd ;fem]bf/Ldf ;Grflnt bf];|f] kl/of]hgf …ls;fg ?/n l8lh6n a}lsËÚ cGtu{t …:s"n a}lsËÚ sfo{qmd cGt/ut

o; If]qsf ljBfnox?;+u ;dGjo eO{/x]sf] 5 . o;sf cltl/Qm lgodgsf/L lgsfo k|b]z ;/sf/sf] s[lif, e"dL Joj:Yff tyf ;xsf/L dGqfno nufot cGo ;/f]sf/jfnf dGqfnox?,

;fN6 6«]8L+u, s[lif ;fdfu|L sDkgL, g]Zgn 6«]8L+u, :yflgo ;/sf/ tyf cGo u}/;/sf/L lgsfox?;+u lgoldt ;dGjo ub}{ cfPsf] 5 .



34

!@= ljljw M xfn} ;DkGg ;+:yfsf] @$ cf} jflif{sf]T;j nfO{ ;kmn kfg{ ;xof]u ug'{x'g] ;Dk"0f{ k|lt cfef/

JoQm ub{5f} . To;}u/L o; ;+:yfsf] ;dGjodf wgu9Ldf ;DkGg ;'b'/klZrd k|b]z :tl/o

n3'ljQ ;b:o ;Dd]ngnfO{ eJo ?kdf ;kmn kfg{ ;xof]u ug'{X'g] ;Dk"0f{x? k|lt pQm ;Dd]ngsf] ;b:osf x}l;otn] xflb{s cfef/ JoQm ug{ rfxG5' .

!#= wGoafb 1fkgM ;+:yfnfO{ o; cj:yf;Dd NofO{ k'¥ofpg ;xof]u ug'{x'g] g]kfn ;/sf/, k|b]z ;/sf/, g]kfn

/fi6« a}+s, /fli6«o tyf lhNnf ;xsf/L ;+3, :jfnDjg ljsf; s]Gb| (CSD), ;fem]bf/ ljleGg a}+s tyf ljQLo ;+:yfx?, bft[ lgsfox?, /fhgLlts bn, :yfgLo lgsfo, Jofkf/L a'l4lhlj, kqsf/ ldqx? n]vf;ldlt, jt{dfg ;+rfns ;ldlt tyf k"j{ ;+rfns ;ldltsf ;Dk"0f{ kbflwsf/Lx?, n]vfk/LIfs tyf ;+:yfsf] a[xQ/ ljsf;sf nflu lrlGtt ;Dk"0f{ z]o/wgL dxfg'efjx? tyf d]/f ;xsdL{ sd{rf/L ldqx?af6 ;bfem}+ ;xof]u Pjd\ ;'emfjsf] ck]Iff

/fVb} xflb{s wGojfb Pjd\ cfef/ JoQm ub}{ of] ;Ddflgt ;fwf/0f;efdf cf=j=@)&%÷&^ sf]

n]vfkl/If0f ;lxtsf] of] k|ltj]bg tyf rfn' cf=j= @)&^÷&& sf nflu k|:tfljt ah]6 kfl/t ul/lbgsf nflu k]z ub}{ ljbf x'g rfx'G5' . wGojfb . ho ls;fg . ho ;xsf/L .

8Da/ axfb'/ zfx

dxfk|aGws



35

/ht hoGtL jflif{s sfo{qmd != /Qmbfg sfo{qmd

@= cfFvf lzlj/ sfo{qmd

#= h]i7 ;b:o ;Ddfg sfo{qmd

$= Psn dlxnf ;Ddfg sfo{qmd

%= ;/;kmfO{ sfo{qmd

^= ;d'bfodf ljlQo ;r]tgf clej[4L sfo{qmd

&= lzIff k|f]T;fxg sfo{qmd

*= z}lIfs ;+:yf nlIft cltl/Qm lqmofsnfk

(= l;kd'ns tflnd ;Frfng

!)= sd{rf/L cltl/Qm lqmofsnfk

!!= ;d'bfosf nflu ls;fg sfo{qmd

!@= lgMz'Ns :jf:Yo lzlj/ ;Grfng

!#= j[Iff/f]k0f sfo{qmd

!$= ;fdflhs ;'/Iff sfo{qmd

!%= cleefjs tyf ljBfly{ art lzIff sfo{qmd

!^= sd{rf/L ;b:o nlIft art lzIff sfo{qmd

!&= dft[lzz', kf]if0f tyf eljio sfo{qmd

!*= ;+lhljlg sfo{qmd

!(= k|fs[lts k|sf]k /fxt sfo{qmd

@)= >4f~hnL tyf ;dj]bgf sfo{qmd

@!= o'jf nlIft v]ns'b sfo{qmd -ls;fg sk_

@@= s[ifs ;b:o k'/:sf/

@#= ;fdflhs cleoGtf ;Ddfg

@$= e"tk'j{ ;Grfns ;Ddfg

@%= s[lif k|f]T;fxg tyf pBdlzntf k|j4{g sfo{qmd



36

!= dft[lzz' kf] if0f tyf eljio sfo{qmd M

– ?= %))–!%)) ;'Ts] / L eQf– ?= %)) sf] ;+: yfaf6 afn art vftf

;~rfng x'g] – *aRrfsf] hGdlbgdf pkxf/ lbg] – *ljBfyL{sf] cleefjssf] b'3{6gfsf sf/0f

d[To' ePdf aflif{s cf};t df}Hbft /sdsf] !) u'0ff ;Dd jf ?= # nfv ;Dd cWoog vr{ pknAw u/fOg]5 .

@= ;+hLjgL sfo{qmd M– *;b: o tyf ;b: osf] kl/ jf/ sf] ?= %)

xhf/ ;Ddsf] pkrf/ vr{ ;+: yfn] pknAw u/ fpg] .

– : jf: Yo lzlj/ ;~rfng

#= lzIff k|f] T;fxg sfo{qmd M– SEE plQ0f{ ljBfyL{nfO{ 5fqj[lQ – ljkGg kl/ jf/ sf afnaRrfx¿nfO{ 5fqj[lQ

$= k|fs[lts k|sf] kdf / fxt sfo{qmd M– k|fs[lts k|sf] kaf6 lkl8t kl/ jf/ nfO{

gub / fxt– k|fs[lts k|sf] kdf ;fdfu|L / fxt

%= ;d'bfosf nfuL ls;fg sfo{qmd M– ;d'bfo tyf ;b: osf] hLjg;“u ;/ f] sf/

/ fVg] ;fdflhs sfo{df ls;fgsf] ;xsfo{

^= Psn dlxnf ;Ddfg sfo{qmd M– aflif{s ?kdf zfvf : t/ df / x] sf Psn

dlxnfx¿nfO{ ;Ddfg

* zt{x

¿ n

fu' x

'g] 5g\

hGdb]lv

d/0ff]k/fGt ;Dd

hLjg rqm of]hgf hGdb]lv

d/0ff]k/fGt ;Dd

hLjg rqm of]hgf

&= h] i7gful/ s / fxt tyf ;Ddfg sfo{qmd M

– aflif{s ?kdf zfvf : t/ df

*= cfhsf gfgL ef] nLsf hLGbufgL sfo{qmd M

– ;fd'bflos ljBfnox¿df cWoog/ t ljBfyL{x¿sf] Ifdtf clea[l4sf nflu ljleGg k|sf/ sf cltl/ Qm lqmofsnfk ;~rfng ug{ ;+: yfn] ljBfnonfO{ cfjZos ;xof] u k|bfg ug] { 5 .

(= >4f~hnL sfo{qmd M– ;b: o tyf ;b: osf] >Ldfgsf] lgwg

ePdf zf] s ;ef ul/ g] .

– ;b: o tyf ;b: osf] >Ldfgsf] lgwg ePdf !) xhf/ b] lv @% xhf/ sfhlqmof vr{ pknAw u/ fO{g] .

– kl/ jf/ sf] d[To'df ?= *,))) sfhlqmof vr{ pknAw u/ fO{g] .

– zf] s ;ef tyf sfhlqmof vr{ x: tfGt/ 0f !# lbg leq ul/ g] 5 .

!)= *shf{ d'QmL sfo{qmd M – ;b: o tyf lghsf] >Ldfgsf] d[To" ePdf

;b: on] ltg{ af“sL shf{ / sd ldgfx ul/ g'sf ;fy} ltl/ ;s] sf] ;fjf / sd lkmtf{ ul/ g] .

– shf{ / sdsf] $)∞ sfhlqmof vr{ jfkmt yk k|bfg ul/ g]

* zt{x

¿ n

fu' x

'g] 5g\

hGdb]lv

d/0ff]k/fGt ;Dd

hLjg rqm of]hgf hGdb]lv

d/0ff]k/fGt ;Dd

hLjg rqm of]hgf

jflif{s k|ltj]bg @)&%÷)&^ 39


jflif{s k|ltj]bg @)&%÷)&^40


ls;fg ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8nDsL, s}nfnL, g]kfn@)&^ cfiff9 #! ut]sf]

jf;nft

cfhsf] ldltdf ;+nUg k|ltj]bg cg';f/ n]vfk/LIfs;'/]Gb| s'df/ zfx pbo/fd vgfn dof/fd wdfnf ho?k a'9f l;=P= s]za k|;fb Gof}kfg] cWoIf pkfWoIf ;+rfns ;+rfns s]=lk=Pg P08 Pzf]l;P6\; rf6{8 Psfp06]06;\ lji0f'eQm zdf{ 9sfn nf]s /fh ltldN;]gf z'egfy b]jsf]6f klt/fd rf}w/L pld{nf a:g]t cf]nL ;+rfns ;+rfns ;+rfns ;+rfns ;+rfns lzj axfb"/ :jf/ pbo/fd a6fnf 8Da/ axfb'/ zfx s'n k|;fb ltldN;]gf ldltM @)&^÷)^÷!$ ;+rfns ;+rfns dxf k|aGws n]vf clws[t :yfgM sf7df08f}

dfly pNn]lvt cg";'rLx? ljQLo ljj/0fsf cleGg cË x"g\ .

k"¤hL tyf bfloTjk"¤hL tyf bfloTjk"¤hL tyf bfloTjk"¤hL tyf bfloTj cg";'rLcg";'rLcg";'rLcg";'rL o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -¿=_ut jif{ /sd -¿=_ut jif{ /sd -¿=_ut jif{ /sd -¿=_

1= z]o/ k'+hL 1 104,679,405.00 84,492,400.00

2= hu]*f tyf sf]ifx? 2 267,417,739.16 210,077,218.10

3= ;fk^L 3 943,127,888.54 788,082,759.57

4= lgIf]k bfloTj 4 1,502,205,984.11 1,159,978,317.16

5= cGo bfloTj tyf Joj:yf 5 68,499,311.13 63,878,220.18

s'n k'+hL tyf bfloTjs'n k'+hL tyf bfloTjs'n k'+hL tyf bfloTjs'n k'+hL tyf bfloTj 2,885,930,327.942,885,930,327.942,885,930,327.942,885,930,327.94 2,306,508,915.012,306,508,915.012,306,508,915.012,306,508,915.01

;DklQ;DklQ;DklQ;DklQ cg";'rLcg";'rLcg";'rLcg";'rL o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -¿=_ut jif{ /sd -¿=_ut jif{ /sd -¿=_ut jif{ /sd -¿=_

1= gub tyf a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 6 288,350,611.52 345,770,212.25

2= nufgL 7 3,811,000.00 2,801,000.00

3= shf{ tyf ;fk^ 8 2,498,881,225.38 1,880,121,276.56

4= l:y/ ;DklQ 9 61,671,893.81 51,966,371.92

5= u}/ a}+lsé ;DklQ - -

6= cGo ;DklQ 10 33,215,597.23 25,850,054.28

s'n ;DklQs'n ;DklQs'n ;DklQs'n ;DklQ 2,885,930,327.942,885,930,327.942,885,930,327.942,885,930,327.94 2,306,508,915.012,306,508,915.012,306,508,915.012,306,508,915.01

1= ;Defljt bfloTj (Contingent Liabilities) cg';"rL 112= n]vfgLltx? cg';"rL 20

n]vfk/LIfs;"/]Gb| s"df/ zfx pbo/fd vgfn dof/fd wdfnf ho?k a'(f l;=P= s]za k|;fb Gof}kfg] cWoIf pkfWoIf ;+rfns ;+rfns s]=lk=Pg P)* Pzf]l;P^\;

rf^{* Psfp)^])^;\

lji)f"eQm zdf{ (sfn nf]s /fh ltldN;]gf z"egfy b]jsf]^f klt/fd rf}w/L pld{nf a:g]t cf]nL ;+rfns ;+rfns ;+rfns ;+rfns ;+rfns

dfly pNn]lvt cg";'rLx? ljQLo ljj/)fsf cleGg cé x"g\ .

ls;fg ax"p@]ZoLo ;xsf/L ;+:yf lnld^]*ls;fg ax"p@]ZoLo ;xsf/L ;+:yf lnld^]*ls;fg ax"p@]ZoLo ;xsf/L ;+:yf lnld^]*ls;fg ax"p@]ZoLo ;xsf/L ;+:yf lnld^]*nDsL, s}nfnL, g]kfnnDsL, s}nfnL, g]kfnnDsL, s}nfnL, g]kfnnDsL, s}nfnL, g]kfn2076 cfiff( 31 ut]sf]2076 cfiff( 31 ut]sf]2076 cfiff( 31 ut]sf]2076 cfiff( 31 ut]sf]

jf;nftjf;nftjf;nftjf;nft

cfhsf] ldltdf ;+nUg k|ltj]bg cg';f/



ls;fg ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8nDsL, s}nfnL, g]kfn

@)&^ cfiff9 d;fGtsf] -h'nfO{ !^ @)!(_gfkmf gf]S;fg lx;fa


ljj/)f cg";'rL o; jif{ ?= ut jif{ ?=1= Aofh cfDbfgL 12 388,807,021.29 300,581,530.03 2= Aofh vr{ 13 216,875,691.03 155,794,127.24 v"b Aofh cfDbfgL 171,931,330.26 144,787,402.79

3= cGo ;~rfng cfDbfgL 55,131,479.52 43,463,383.21 3=1 dn laqmLaf^ cfDbfgL 14 11,650,838.67 11,906,976.50 3=2 cGo cfDbfgL 15 43,480,640.85 31,556,406.71 s"n ;~rfng cfDbfgL 227,062,809.78 188,250,786.00

4= dn laqmLsf] nfut 16 11,008,070.87 11,338,021.00 5= sd{rf/L vr{ 17 72,133,436.20 63,790,338.50 6= sfof{no ;~rfng vr{ 18 41,123,405.19 29,963,077.78 ;+DefLjt gf]S;fgL Joj:yf clwsf] ;+~rfng d"gfkmf 102,797,897.52 83,159,348.72

7= ;DefLjt gf]S;fgL Joj:yf 31,443,092.84 18,237,712.18 ;~rfng d"gfkmf 71,354,804.68 64,921,636.54

8= u}/ ;~rfng cfDbfgL÷-vr{_ 19 6,550,678.35 8,629,256.65 9= ;DefLjt gf]S;fgL Joj:yf af^ lkmtf{ 2,288,295.00 1,089.36 lgoldt sf/f]jf/x?af^ ePsf] d"gfkmf 80,193,778.03 73,551,982.55

10= c;dfGo sf/f]af/x?af^ ePsf] cfDbfgL÷vr{;Dk')f{ sf/f]af/ ;dfj]z kl%sf] ePsf] v'b d"gfkmf 80,193,778.03 73,551,982.55 11= sd{rf/L af]g; Joj:yf 7,290,343.46 6,686,543.87 12= cfos/ Joj:yf

o; aif{sf] s/ Joj:yf 4,064,142.51 14,525,341.04 laut aif{;Ddsf] s/ Joj:yf - -

v'b gfkmf 68,839,292.06 52,340,097.65


rf^{* Psfp) ]̂)^;\

lji)f"eQm zdf{ (sfn nf]s /fh ltldN;]gf z"egfy b]jsf]̂ f klt/fd rf}w/L pld{nf a:g]t cf]nL ;+rfns ;+rfns ;+rfns ;+rfns ;+rfns

lzj axfb"/ :jf/ pbo/fd a^fnf *Da/ axfb"/ zfx s"n k|;fb ltldN;]gf ldltM 2076.06.14 ;+rfns ;+rfns dxf k|aGws n]vf clws[t :yfgM sf&df)*f}


nDsL, s}nfnL, g]kfnls;fg ax"p@]ZoLo ;xsf/L ;+:yf lnld^]*

2076 ;fn cfiff( d;fGtsf] -h'nfO{ 16, 2019_

gfkmf / gf]S;fg lx;fa



o; jif{ ?=o; jif{ ?=o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=ut jif{ ?=ut jif{ ?=

-s_-s_-s_-s_ sf/f]af/ ;+rfngaf^ gub k|jfxsf/f]af/ ;+rfngaf^ gub k|jfxsf/f]af/ ;+rfngaf^ gub k|jfxsf/f]af/ ;+rfngaf^ gub k|jfx (202,753,407.09)(202,753,407.09)(202,753,407.09)(202,753,407.09) 24,962,353.7424,962,353.7424,962,353.7424,962,353.74

1=1=1=1= gub k|flKtgub k|flKtgub k|flKtgub k|flKt 450,489,179.16450,489,179.16450,489,179.16450,489,179.16 352,674,169.89352,674,169.89352,674,169.89352,674,169.89

1=1 Aofh cfDbfgL 388,807,021.29 300,581,530.03

1=2 cGo cfDbfgL 43,480,640.85 40,185,663.36

1=3 u}/ ;~rfng cfDbfgL 6,550,678.35 -

1=4 dn laqmLaf^ cfDbfgL 11,650,838.67 11,906,976.50

1=5 u}x| a}lsé ;DklQ las|L - -

2=2=2=2= gub e'QmfgLgub e'QmfgLgub e'QmfgLgub e'QmfgL (333,890,560.57)(333,890,560.57)(333,890,560.57)(333,890,560.57) (254,920,899.91)(254,920,899.91)(254,920,899.91)(254,920,899.91)

2=1 Jofh vr{ (216,875,691.03) (155,794,127.24)

2=2 sd{rf/L vr{ (72,133,436.20) (63,790,338.50)

2=3 dn laqmLsf] nfut (11,008,070.87) (11,338,021.00)

2=4 sfof{no ;~rfng vr{ (32,410,511.47) (23,512,401.17)

2=5 ;xsf/L lzIff, ljsf; tyf ;+/lIft k'+hL sf]if af^ vr{ (1,462,851.00) (486,012.00)

116,598,618.59116,598,618.59116,598,618.59116,598,618.59 97,753,269.9897,753,269.9897,753,269.9897,753,269.98

(655,280,289.61)(655,280,289.61)(655,280,289.61)(655,280,289.61) (411,443,462.03)(411,443,462.03)(411,443,462.03)(411,443,462.03)

1= shf{ sdL÷-j[l$_ (647,914,746.66) (416,220,651.74)

2= cGo ;DklQdf sdL÷-j[l$_ (7,365,542.95) 4,777,189.71

335,928,263.93335,928,263.93335,928,263.93335,928,263.93 338,652,545.79338,652,545.79338,652,545.79338,652,545.79

1= lgIf]k bfloTjdf -sdL_÷j[l$ 342,227,666.95 345,832,915.68

2= cGo bfloTjdf -sdL_÷j[l$ (6,299,403.02) (7,180,369.89)

-v_-v_-v_-v_ nufgL sf/f]jf/df gub k|jfxnufgL sf/f]jf/df gub k|jfxnufgL sf/f]jf/df gub k|jfxnufgL sf/f]jf/df gub k|jfx (19,428,415.61)(19,428,415.61)(19,428,415.61)(19,428,415.61) (19,291,668.60)(19,291,668.60)(19,291,668.60)(19,291,668.60)

1= bL#{sfnLg nufgLdf sdL÷-j[l$_ (1,010,000.00) -

2= :yL/ ;DklQdf sdL÷-j[l$_ (18,418,415.61) (19,291,668.60)

-u_-u_-u_-u_ ljQLo >f]t sf/f]jf/af^ gub k|jfxljQLo >f]t sf/f]jf/af^ gub k|jfxljQLo >f]t sf/f]jf/af^ gub k|jfxljQLo >f]t sf/f]jf/af^ gub k|jfx 164,762,221.97164,762,221.97164,762,221.97164,762,221.97 80,002,864.4580,002,864.4580,002,864.4580,002,864.45

1= z]o/ k'hLdf j[l$÷-sdL_ 20,187,005.00 15,000,900.00

2= nfef+z ljt/)f (10,469,912.00) (7,813,406.00)

3 C)fdf -sdL_÷j[l$ 155,045,128.97 72,815,370.45

-#_-#_-#_-#_ o; jif{sf] ;Dk")f{ utljlwaf^ gub k|jfxo; jif{sf] ;Dk")f{ utljlwaf^ gub k|jfxo; jif{sf] ;Dk")f{ utljlwaf^ gub k|jfxo; jif{sf] ;Dk")f{ utljlwaf^ gub k|jfx (57,419,600.73)(57,419,600.73)(57,419,600.73)(57,419,600.73) 85,673,549.5985,673,549.5985,673,549.5985,673,549.59

-ª_-ª_-ª_-ª_ gub tyf a}+sdf /x]sf] ;'? df}Hbftgub tyf a}+sdf /x]sf] ;'? df}Hbftgub tyf a}+sdf /x]sf] ;'? df}Hbftgub tyf a}+sdf /x]sf] ;'? df}Hbft 345,770,212.25345,770,212.25345,770,212.25345,770,212.25 260,096,662.66260,096,662.66260,096,662.66260,096,662.66

-r_-r_-r_-r_ gub tyf a}}+sdf /x]sf] clGtd df}Hbftgub tyf a}}+sdf /x]sf] clGtd df}Hbftgub tyf a}}+sdf /x]sf] clGtd df}Hbftgub tyf a}}+sdf /x]sf] clGtd df}Hbft 288,350,611.52288,350,611.52288,350,611.52288,350,611.52 345,770,212.25345,770,212.25345,770,212.25345,770,212.25


rf^{* Psfp)^])^;\



ls;fg ax"p@]ZoLo ;xsf/L ;+:yf lnld^]*ls;fg ax"p@]ZoLo ;xsf/L ;+:yf lnld^]*ls;fg ax"p@]ZoLo ;xsf/L ;+:yf lnld^]*ls;fg ax"p@]ZoLo ;xsf/L ;+:yf lnld^]*nDsL, s}nfnL, g]kfnnDsL, s}nfnL, g]kfnnDsL, s}nfnL, g]kfnnDsL, s}nfnL, g]kfn

2076 ;fn cfiff( d;fGtsf] -h'nfO{ 16, 2019_2076 ;fn cfiff( d;fGtsf] -h'nfO{ 16, 2019_2076 ;fn cfiff( d;fGtsf] -h'nfO{ 16, 2019_2076 ;fn cfiff( d;fGtsf] -h'nfO{ 16, 2019_


;+rfng ;DaGwL rfn" bfloTjdf -sdL_÷j[l$;+rfng ;DaGwL rfn" bfloTjdf -sdL_÷j[l$;+rfng ;DaGwL rfn" bfloTjdf -sdL_÷j[l$;+rfng ;DaGwL rfn" bfloTjdf -sdL_÷j[l$

ljj/)fljj/)fljj/)fljj/)f

sfo{ut k'¤hL ultljlw cl#sf] gub k|jfxsfo{ut k'¤hL ultljlw cl#sf] gub k|jfxsfo{ut k'¤hL ultljlw cl#sf] gub k|jfxsfo{ut k'¤hL ultljlw cl#sf] gub k|jfx

;+rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l$_;+rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l$_;+rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l$_;+rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l$_

gub k|jfx ljj/)fgub k|jfx ljj/)fgub k|jfx ljj/)fgub k|jfx ljj/)f


@)&^ cfiff9 d;fGtsf] -h'nfO{ !^ @)!(_gub k|jfx ljj/0f


;d[l4sf nflu ;d'bfo ;+u ;+u}ls

;fg

ax

'p2]Zo

Lo ;

xs

f/L ;

+:yf l

nld

6]8n

DsL,

s}n

fnL,

g]kf

nO{S

jL6L

df e

Psf] k

l/jt

{g ;

DaGw

L ljj

/0f

cf=j

= @)

&%÷)

&^

ljj/)f

ljj/)f

ljj/)f

ljj/)f

z'? df}Hbft

z'? df}Hbft

z'? df}Hbft

z'? df}Hbft

;dfof]hg

;dfof]hg

;dfof]hg

;dfof]hg

z]o/ hf/L

z]o/ hf/L

z]o/ hf/L

z]o/ hf/L

ut cf=j sf]

ut cf=j sf]

ut cf=j sf]

ut cf=j sf]

s/ e'QmfgL

s/ e'QmfgL

s/ e'QmfgL

s/ e'QmfgL

o; jif{ e"Qmflg

o; jif{ e"Qmflg

o; jif{ e"Qmflg

o; jif{ e"Qmflg

o; jif{sf] gfkmfaf^

o; jif{sf] gfkmfaf^

o; jif{sf] gfkmfaf^

o; jif{sf] gfkmfaf^

af+*kmf+*

af+*kmf+*

af+*kmf+*

af+*kmf+*

clGtd df}Hbft

clGtd df}Hbft

clGtd df}Hbft

clGtd df}Hbft

z]o/ k'+hL

84,4

92,4

00.0

0

20,1

87,

005.

00

104,6

79,4

05.0

0

;l~rt gfkmf gf]S;fg

-

-

;fwf/)f hu]*f

106,

825

,885.

78

3,33

9,11

0.00

17

,209

,823

.02

12

7,37

4,8

18.8

0

;+/lIft k'+hL sf]if

18,9

71,2

20.1

4

72

5,00

0.00

12,9

07,3

67.2

6

31,1

53,5

87.

40

;xsf/L k|a{wg sf]if

196,

275.

37

25

8,1

47.

35

454

,422

.72

#f^fk"tL{ sf]if

13,5

34,9

21.6

3

3,

846,

395.

44

17,3

81,

317.

07

;xsf/L lasf; sf]if

6,56

1,50

5.02

(191

,000

.00)

15

7,94

2.00

3,846,

395.

44

10,0

58,9

58.4

6

sd{rf/L sNof)f sf]if

6,68

2,52

1.02

15

1,65

8.0

0

3,

846,

395.

44

10,3

77,2

58.4

6

;xsf/L lzIff sf]if

6,406

,361

.88

191,

000.

00

3,

846,

395.

44

10,4

43,

757.

32

z]o/ nfef+; sf]if

10,0

35,9

20.0

0

10,0

35,9

20.0

0

17,3

08,7

79.5

1

17,3

08,7

79.5

1

;b:o ;' '/If)f sf]if

3,846,

395.

44

3,846,

395.

44

hf]lvd Joj:yf sf]if

1,92

3,19

7.72

1,92

3,19

7.72

ejg lgdf{)f sf]if

40,

862

,607

.26

(3,3

39,1

10.0

0)

428

,251

.00

-

37

,095

,246.

26

s"n /sd

s"n /sd

s"n /sd

s"n /sd

294,5

69,6

18.1

029

4,5

69,6

18.1

029

4,5

69,6

18.1

029

4,5

69,6

18.1

0

- ---

20,1

87,

005.

0020

,187,

005.

0020

,187,

005.

0020

,187,

005.

00

- ---

11,4

98,7

71.0

011

,498

,771

.00

11,4

98,7

71.0

011

,498

,771

.00

68,8

39,2

92.0

668

,839

,292

.06

68,8

39,2

92.0

668

,839

,292

.06

37

2,09

7,14

4.1

637

2,09

7,14

4.1

637

2,09

7,14

4.1

637

2,09

7,14

4.1

6

;"/]Gb| s"df/ zfx pbo/fd vgfn dof/fd wdfnf ho?k a'(f lji)f"eQm zdf{ (sfn nf]s /fh ltldN;]gf

l;=P= s]za k|;fb Gof}kfg]

cWoIf pkfWoIf ;+rfns ;+rfns ;+rfns ;+rfns

s]=lk=Pg P)* Pzf]l;P^\;

(433992.00)

rf^{* Psfp)^])^;\

z"egfy b]jsf]^f klt/fd rf}w/L pld{nf a:g]t cf]nL lzj axfb"/ :jf/ pbo/fd a^fnf *Da/ axfb"/ zfx s"n k|;fb ltldN;]gf

;+rfns ;+rfns ;+rfns ;+rfns ;+rfns dxf k|aGws n]vf clws[t

ldltM 2076.06.14

:yfgM sf&df)*f}

ls;fg ax"p@]ZoLo ;xsf/L ;+:yf lnld^]*




O{SjL^Ldf ePsf] kl/jt{g ;DalGw ljj/)f




cf=j 2075.76

cf=j 2075.76

cf=j 2075.76

cf=j 2075.76


cfhsf] ldltdf ;

+nUg k

|ltj]b

g cg';

f/

n]vfk/LIfs

;'/]Gb|

s'df/ zfx

pbo

/fd

vgfn

dof/fd w

dfnf

ho?

k a'9

f l;=P= s]za

k|;fb Gof}kfg]

cWoIf

pkfWoIf

;+rfns

;+rfns

s]=lk=Pg

P08 P

zf]l;

P6\;

rf6{8 P

sfp06]06;\

lji0f'eQm zdf{ 9

sfn

nf]s /fh ltldN;]gf

z'eg

fy b

]jsf]6f

klt/fd r

f}w/L

pld{nf a:g]t

cf]nL

;+rfns

;+rfns

;+rfns

;+rfns

;

+rfns

lzj

axfb"/ :jf/

pbo

/fd

a6fnf

8Da/ ax

fb'/ zfx

s'n k

|;fb ltldN;]gf

ldltM @)&^÷)^÷!$

;

+rfns

;+rfns

dx

f k|a

Gws

n]vf clws[t

:yfgM sf7df08

f}




@)&^ cfiff9 d;fGtsf] -h'nfO{ !^ @)!(_gfkmf gf]S;fg af“8kmf“8 lx;fa

cfly{s jif{ @)&%÷&^

ljj/)fljj/)fljj/)fljj/)f o; jif{ ?=o; jif{ ?=o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=ut jif{ ?=ut jif{ ?=

1= ut jif{ ;Ddsf] ;+lrt gf]S;fg

2= o; jif{sf] v'b gfkmf 68,839,292.06 52,340,097.65

hDdfhDdfhDdfhDdf 68,839,292.0668,839,292.0668,839,292.0668,839,292.06 52,340,097.6552,340,097.6552,340,097.6552,340,097.65

ljj/)fljj/)fljj/)fljj/)f o; jif{ ?=o; jif{ ?=o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=ut jif{ ?=ut jif{ ?=1= ut jif{ ;Ddsf] gf]S;fg - -

2= o; jif{sf] v'b gf]S;fg

3= ;fwf/)f hu]*f 17,209,823.02 15,120,039.43

4= ;+/lIft k'+hL sf]if 12,907,367.26 9,813,768.31

5= ;xsf/L k|a{wg sf]if 258,147.35 196,275.37

6= #f^fk"tL{ sf]if 3,846,395.44 2,944,130.49

7= ;xsf/L lasf; sf]if 3,846,395.44 1,472,065.25

8= sd{rf/L sNof)f sf]if 3,846,395.44 1,472,065.25

9= ;xsf/L lzIff sf]if 3,846,395.44 1,472,065.25

10=z]o/ nfef+; sf]if 17,308,779.51 10,035,920.00

11=;b:o ;' '/If)f sf]if 3,846,395.44

12=hf]lvd Joj:yf sf]if 1,923,197.72

12=ejg lgdf{)f sf]if - 9,813,768.31

13=cGo sf]ifhDdfhDdfhDdfhDdf 68,839,292.0668,839,292.0668,839,292.0668,839,292.06 52,340,097.6552,340,097.6552,340,097.6552,340,097.65


rf^{* Psfp)^])^;\



gfkmf / gf]S;fg af+*kmf+* lx;fagfkmf / gf]S;fg af+*kmf+* lx;fagfkmf / gf]S;fg af+*kmf+* lx;fagfkmf / gf]S;fg af+*kmf+* lx;fa

cfly{s jif{ 2075.76cfly{s jif{ 2075.76cfly{s jif{ 2075.76cfly{s jif{ 2075.76


ls;fg ax"p@]ZoLo ;xsf/L ;+:yf lnld^]*ls;fg ax"p@]ZoLo ;xsf/L ;+:yf lnld^]*ls;fg ax"p@]ZoLo ;xsf/L ;+:yf lnld^]*ls;fg ax"p@]ZoLo ;xsf/L ;+:yf lnld^]*nDsL, s}nfnL, g]kfnnDsL, s}nfnL, g]kfnnDsL, s}nfnL, g]kfnnDsL, s}nfnL, g]kfn

2076 ;fn cfiff( d;fGtsf] -h'nfO{ 16, 2019_2076 ;fn cfiff( d;fGtsf] -h'nfO{ 16, 2019_2076 ;fn cfiff( d;fGtsf] -h'nfO{ 16, 2019_2076 ;fn cfiff( d;fGtsf] -h'nfO{ 16, 2019_




cg";'rL 1cg";'rL 1cg";'rL 1cg";'rL 1

ljj/)fljj/)fljj/)fljj/)f o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_1=1 clws[t k'¤hL

2,0,00000 z]o/ k|lt z]o/ ?=100 n] 200,000,000.00 200,000,000.00 1=2 hf/L k'¤hL 1046794.05 z]o/ afkt k|lt z]o/ ?= 100 n] 104,679,405.00 84,492,400.00

1=3 r"Qmf k'¤hL 1046794.05 z]o/ afkt k|lt z]o/ ?= 100 n] 104,679,405.00 84,492,400.00



ljj/)fljj/)fljj/)fljj/)f o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_1= ;fwf/)f hu]*f sf]if 127,374,818.80 106,825,885.78 2= ejg lgdf)f{ sf]if 37,095,246.26 40,862,607.26 3= z]o/ nfef+; sf]if 17,308,779.51 10,035,920.00 4= #f^F k'lt{ sf]if 17,381,317.07 13,534,921.63 5= sd{rf/L sNof)f sf]if 10,377,258.46 6,682,521.02 6= ;xsf/L lzIff sf]if 10,443,757.32 6,406,361.88 7= ;xsf/L lasf; sf]if 10,058,958.46 6,561,505.02 8= ;xsf/L k|a{wg sf]if 454,422.72 196,275.37 9= ;+/lIft k'+hL sf]if 31,153,587.40 18,971,220.14 10=;b:o ;' '/If)f sf]if 3,846,395.44 - 11= hf]lvd Joj:yf sf]if 1,923,197.72 -



ljj/)fljj/)fljj/)fljj/)f o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_

1= g]kfn /fi^« a}+s - -

2= a}+s tyf ljlQo ;+:yfx? 943,127,888.54 788,082,759.57

3= cGo ;+ul&t ;+:yfx? - -

4= cGo - -


-2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_

-2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_

z]o/ k'+hLz]o/ k'+hLz]o/ k'+hLz]o/ k'+hL -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_

hu]*f tyf sf]ifx?hu]*f tyf sf]ifx?hu]*f tyf sf]ifx?hu]*f tyf sf]ifx?

;fk^L;fk^L;fk^L;fk^L







s= art lx;fas= art lx;fas= art lx;fas= art lx;fa 1,418,268,784.111,418,268,784.111,418,268,784.111,418,268,784.11 1,099,869,917.161,099,869,917.161,099,869,917.161,099,869,917.16 a}lsé 377,017,529.68 360,847,755.16 n#"ljQ 1,041,251,254.43 739,022,162.00

v= d"$tL artv= d"$tL artv= d"$tL artv= d"$tL art 83,937,200.0083,937,200.0083,937,200.0083,937,200.00 60,108,400.0060,108,400.0060,108,400.0060,108,400.00

hDdfhDdfhDdfhDdf 1,502,205,984.111,502,205,984.111,502,205,984.111,502,205,984.11 1,159,978,317.161,159,978,317.161,159,978,317.161,159,978,317.16


ljj/)fljj/)fljj/)fljj/)f o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_1= k]G;g pkbfg Joj:yf 21,914,067.01 16,151,893.83 2= e"QmfgL lbg af+ls nf+efz 4,584,904.46 5,018,896.46 3= lgIf]kdf e"QmfgL lbg af+sL Aofh 351,356.72 297,786.99 4= ;fk^Ldf e"QmfgL lbg af+sL Aofh5= n]vfkl/If)f z"Ns 223,000.00 223,000.00 6= ;b:o ;"/If)f sf]if 7,380,423.00 6,134,476.00 7= ;+lrt ljbf Joj:yf 11,748,343.74 9,742,889.85 8= sd{rf/L af]g; Joj:yf 7,290,343.46 6,686,543.87 9= cfos/ Joj:yf 4,064,142.51 14,525,341.04 10= ;)*«L qm]l*^;{ 1,167,009.25 4,800,065.03 11= cGo 11=1 cjwL ;dfKt ePsf d"@tL vftfsf] /sd / Aofh 106,855.00 146,855.00 11=2 s/ sl§ 79,194.87 9,905.91 11=3 Aofh s/ 4,108,436.51 140,566.21 11=4 tna s/ - 11=5 n]vfkl/If)f s/ 3,000.00 - 11=6 cGo 5,478,234.60 - 12= ;Ifd Rofn]Gh kmG* -


lgIf]k bfloTj lgIf]k bfloTj lgIf]k bfloTj lgIf]k bfloTj -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_

cGo bfloTj tyf Joj:yfx?cGo bfloTj tyf Joj:yfx?cGo bfloTj tyf Joj:yfx?cGo bfloTj tyf Joj:yfx? -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_





ljj/)fljj/)fljj/)fljj/)f o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_1= :jb]zL d'b|f -l;Ssf ;d]t_ 10,345,166.0710,345,166.0710,345,166.0710,345,166.07 17,231,883.4217,231,883.4217,231,883.4217,231,883.42 2= :jb]zL Ohfhtk|fKt ;+:yfx? 224,921,811.41224,921,811.41224,921,811.41224,921,811.41 281,557,893.57281,557,893.57281,557,893.57281,557,893.57

jfl)fHo a}+s 100,982,538.94 138,910,073.87 ljsf; a}+s 115,398,537.39 133,615,790.66 ljlQo ;+:yf 8,540,735.08 9,032,029.04

3= ;xsf/L ;+:yf 53,083,634.0453,083,634.0453,083,634.0453,083,634.04 46,980,435.2646,980,435.2646,980,435.2646,980,435.26



ljj/)fljj/)fljj/)fljj/)f o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_1= ;ul&t ;+:yfx?sf] z]o/ 3,821,000.00 2,811,000.00 2= cGo nufgLd"@tL art

s"n nufgLs"n nufgLs"n nufgLs"n nufgL 3,821,000.003,821,000.003,821,000.003,821,000.00 2,811,000.002,811,000.002,811,000.002,811,000.00

nufgLdf ;+Defljt xfgL jfkt Joj:yfnufgLdf ;+Defljt xfgL jfkt Joj:yfnufgLdf ;+Defljt xfgL jfkt Joj:yfnufgLdf ;+Defljt xfgL jfkt Joj:yf 10,000.0010,000.0010,000.0010,000.00 10,000.0010,000.0010,000.0010,000.00

v"b nufgL v"b nufgL v"b nufgL v"b nufgL 3,811,000.003,811,000.003,811,000.003,811,000.00 2,801,000.002,801,000.002,801,000.002,801,000.00

gub tyf a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbftgub tyf a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbftgub tyf a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbftgub tyf a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_

nufgLnufgLnufgLnufgL -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_







1= ;lqmo shf{ ;fk^ 1= ;lqmo shf{ ;fk^ 1= ;lqmo shf{ ;fk^ 1= ;lqmo shf{ ;fk^ (Performing Loan) 2,511,221,805.902,511,221,805.902,511,221,805.902,511,221,805.90 1,906,721,758.901,906,721,758.901,906,721,758.901,906,721,758.90 1=1 c;n 1,079,517,929.90 879410232.901=2 n#"ljQ sfo{s|d 1,431,703,876.00 1,027,311,526.00

2= lgl:qmo shf{ ;fk^ 2= lgl:qmo shf{ ;fk^ 2= lgl:qmo shf{ ;fk^ 2= lgl:qmo shf{ ;fk^ (Non Performing Loan) 77,122,449.1477,122,449.1477,122,449.1477,122,449.14 33,707,749.4833,707,749.4833,707,749.4833,707,749.48 2=1 k"g{;+/rgf k"g{tflnsLs/)f - - 2=2 sd;n 10,510,997.47 2=3 zsf:kb 41,674,886.61 10,268,766.21 2=4 v/fa 35,447,562.53 12,927,985.80

s"n shf{{s"n shf{{s"n shf{{s"n shf{{ 2,588,344,255.042,588,344,255.042,588,344,255.042,588,344,255.04 1,940,429,508.381,940,429,508.381,940,429,508.381,940,429,508.38 3= shf{ gf]S;fgL Joj:yf3= shf{ gf]S;fgL Joj:yf3= shf{ gf]S;fgL Joj:yf3= shf{ gf]S;fgL Joj:yf3=1 c;n 10,795,179.30 8,794,102.29 3=2 k"g{;+/rgf k"g{tflnsLs/)f3=3 ;"Id lgu/fgL3=4 sd;n 2,508,297.62 3=5 zsf:kb 14,586,210.31 3,797,859.11 3=6 v/fa 35,447,562.53 10,753,536.80 3=7 n#"ljQ sfo{s|d 28,634,077.52 34,454,436.00

s"n Joj:yfs"n Joj:yfs"n Joj:yfs"n Joj:yf 89,463,029.6689,463,029.6689,463,029.6689,463,029.66 60,308,231.8260,308,231.8260,308,231.8260,308,231.82 4= ut aif{;Ddsf] Joj:yf4= ut aif{;Ddsf] Joj:yf4= ut aif{;Ddsf] Joj:yf4= ut aif{;Ddsf] Joj:yf4=1 c;n 8,794,102.29 6,824,732.00 4=2 k"g{;+/rgf k"g{tflnsLs/)f4=3 sd;n 2,508,297.62 3,881,122.00 4=4 zsf:kb 3,797,859.11 1,555,428.00 4=5 v/fa 10,753,536.80 5,275,561.00 4=6 n#"ljQ sfo{s|d 34,454,436.00 24,534,766.00 ut aif{;Ddsf] s"n Joj:yfut aif{;Ddsf] s"n Joj:yfut aif{;Ddsf] s"n Joj:yfut aif{;Ddsf] s"n Joj:yf 60,308,231.8260,308,231.8260,308,231.8260,308,231.82 42,071,609.0042,071,609.0042,071,609.0042,071,609.00

ut aif{;Ddsf] Joj:yfaf^ lkmtf{ut aif{;Ddsf] Joj:yfaf^ lkmtf{ut aif{;Ddsf] Joj:yfaf^ lkmtf{ut aif{;Ddsf] Joj:yfaf^ lkmtf{ (2,288,295.00) (1,089.36) o; aif{sf] yk Joj:yfo; aif{sf] yk Joj:yfo; aif{sf] yk Joj:yfo; aif{sf] yk Joj:yf 29,154,797.8429,154,797.8429,154,797.8429,154,797.84 18,236,622.8218,236,622.8218,236,622.8218,236,622.82 o; aif{sf] v"b yk#ô; aif{sf] v"b yk#ô; aif{sf] v"b yk#ô; aif{sf] v"b yk#^ 31,443,092.8431,443,092.8431,443,092.8431,443,092.84 18,237,712.1818,237,712.1818,237,712.1818,237,712.18

v"b shf{v"b shf{v"b shf{v"b shf{ 2,498,881,225.382,498,881,225.382,498,881,225.382,498,881,225.38 1,880,121,276.561,880,121,276.561,880,121,276.561,880,121,276.56

-2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_shf{ tyf ;fk^sf] ljj/)fshf{ tyf ;fk^sf] ljj/)fshf{ tyf ;fk^sf] ljj/)fshf{ tyf ;fk^sf] ljj/)f


;d[l4sf nflu ;d'bfo ;+u ;+u}ls

;fg

ax

'p2]Zo

Lo ;

xs

f/L ;

+:yf l

nld

6]8n

DsL,

s}n

fnL,

g]kf

nl:

y/

;Dk

lQ-@

)&^

cif

f9 d

;fG

t_

cg";'rL 9

cg";'rL 9

cg";'rL 9

cg";'rL 9

ljj/)f

ljj/)f

ljj/)f

ljj/)f

ut jif{;Ddsf] a"s

ut jif{;Ddsf] a"s

ut jif{;Ddsf] a"s

ut jif{;Ddsf] a"s

Eofn""

Eofn""

Eofn""

Eofn""

o; jif{sf] yk

o; jif{sf] yk

o; jif{sf] yk

o; jif{sf] yk

o; jif{sf] w^

o; jif{sf] w^

o; jif{sf] w^

o; jif{sf] w^

hDdf /sd

hDdf /sd

hDdf /sd

hDdf /sd

k|ltzt

k|ltzt

k|ltzt

k|ltzt

Xf;s^\^L /sd

Xf;s^\^L /sd

Xf;s^\^L /sd

Xf;s^\^L /sd

o; jif{sf] a"s Eofn"




hdLg

7,70

0,00

0.00

-

7,70

0,00

0.00

-

-

7,70

0,00

0.00

eag

16,0

94,6

25.8

8

1,32

0,16

0.00

17,4

14,7

85.

88

5804

,692

.00

16

,610

,093

.88

kmlg{r/

10,9

09,3

98.4

2

3,28

5,19

8.2

2

14,1

94,5

96.6

4

253,

112,

015.

97

11,0

82,

580.

67

;k\m^cf]]o/

2,08

5,14

5.37

953,

550.

00

3,03

8,6

95.3

7

25

664,3

62.0

0

2,37

4,3

33.3

7

;jf/L ;fwg

2,06

4,8

23.3

6

5,59

5,00

0.00

7,

659,

823

.36

2027

7,71

1.00

7,38

2,11

2.36

sDKo'^/

6,29

3,473

.75

3,

506,

897

.94

9,

800

,371

.69

252,

101,

715.

00

7,69

8,6

56.6

9

cGo ;DklQ

3,93

1,473

.14

1,

464

,473

.45

5,

395,

946.

59

251,

289,

884.7

5

4,1

06,0

61.8

4

d]l;g]/L

2,35

2,14

5.00

71

2,61

5.00

3,

064,7

60.0

0

20462

,513

.00

2,60

2,24

7.00

lgdf{)fflwg ejg

-

-

-

-

-

-

lzt e)*f/ lgdf{)f

535,

287.

00

1,

580,

521.

00

2,11

5,808

.00

-

-

2,11

5,808

.00

hDdf

hDdf

hDdf

hDdf

51,9

66,3

71.9

251

,966

,371

.92

51,9

66,3

71.9

251

,966

,371

.92

18,4

18,4

15.6

118

,418

,415

.61

18,4

18,4

15.6

118

,418

,415

.61

- ---

70,3

84,7

87.

5370

,384,7

87.

5370

,384,7

87.

5370

,384,7

87.

53

8,7

12,8

93.7

28,7

12,8

93.7

28,7

12,8

93.7

28,7

12,8

93.7

2

61

,671

,893

.81

61,6

71,8

93.8

161

,671

,893

.81

61,6

71,8

93.8

1

l:y/ ;DklQ

l:y/ ;DklQ

l:y/ ;DklQ

l:y/ ;DklQ

-2076 cFiff( d;fGt_

-2076 cFiff( d;fGt_

-2076 cFiff( d;fGt_

-2076 cFiff( d;fGt_





cfhsf] ldltdf ;

+nUg k

|ltj]b

g cg';

f/

n]vfk/LIfs

;'/]Gb|

s'df/ zfx

pbo

/fd

vgfn

dof/fd w

dfnf

ho?

k a'9

f l;=P= s]za

k|;fb Gof}kfg]

cWoIf

pkfWoIf

;+rfns

;+rfns

s]=lk=Pg

P08 P

zf]l;

P6\;

rf6{8 P

sfp06]06;\

lji0f'eQm zdf{ 9

sfn

nf]s /fh ltldN;]gf

z'eg

fy b

]jsf]6f

klt/fd r

f}w/L

pld{nf a:g]t

cf]nL

;+rfns

;+rfns

;+rfns

;+rfns

;

+rfns

lzj

axfb"/ :jf/

pbo

/fd

a6fnf

8Da/ ax

fb'/ zfx

s'n k

|;fb ltldN;]gf

ldltM @)&^÷)^÷!$

;

+rfns

;+rfns

dx

f k|a

Gws

n]vf clws[t

:yfgM sf7df08

f}




ljj/)fljj/)fljj/)fljj/)f o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_1= df}Hbft d;nGb 1,277,844.66 621,588.66 2= df}Hbft dn 2,076,316.00 821,221.87 3= shf{df kfpg" kg]{ af+sL Aofh 18,754,973.69 8,902,618.45 Go"g Aofh d'NtjL /sd (18,754,973.69) (8,902,618.45)

4= kfpg' kg]{ lx;fa /]ld^\ofG; 2,062,533.10 1,992,830.96 5= k]ZsL 12,991,793.96 1,668,145.40 6= w/f}^L

s[lif ;fdfu|L ;+:yfg - - k|e" dlg^«fG;km/ 100,000.00 100,000.00 g]kfn ^]lnsd 10,122.00 10,122.00 cd]l/sg nfOkm OG:of]/]G; s+=ln= 100,000.00 100,000.00 jN*{ ln° 1,000.00

7= clu|d cfos/ 13,303,314.66 17,908,608.02 8= cGo 1,292,672.85 2,627,537.37 9= ls;fg kl/of]hgf -




1= sDkgL pk/ bfjL k/]sf] t/ :jLsf/ gu/]sf]2= k|Tofe'lt;DaGwL k|lta$tfx? 3= ljlQo tyf cGo hdfgtx?

4= cf+lzs e"QmfgL ePsf z]o/ tyf l*j]Gr/ jfktsf]] bfloTj5= sfof{Gjog x"g af+sL /x]sf] k§f s/f/6= ckl/jTo{ shf{ k|ltj$tf 7= cGo

hDdfhDdfhDdfhDdf

-2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_;Defljt bfloTjx?;Defljt bfloTjx?;Defljt bfloTjx?;Defljt bfloTjx?

cGo ;DklQcGo ;DklQcGo ;DklQcGo ;DklQ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_ -2076 cFiff( d;fGt_





ljj/)fljj/)fljj/)fljj/)f o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_s= shf{ ;fk^s= shf{ ;fk^s= shf{ ;fk^s= shf{ ;fk^ 367,957,804.55367,957,804.55367,957,804.55367,957,804.55 283,216,808.06283,216,808.06283,216,808.06283,216,808.06 1= shf{ ;fk^ 367,957,804.55 283,216,808.06

v= dfu tyf cNk ;'rgfdf k|fKt x"g] df}Hbftdfv= dfu tyf cNk ;'rgfdf k|fKt x"g] df}Hbftdfv= dfu tyf cNk ;'rgfdf k|fKt x"g] df}Hbftdfv= dfu tyf cNk ;'rgfdf k|fKt x"g] df}Hbftdf 20,849,216.7420,849,216.7420,849,216.7420,849,216.74 17,364,721.9717,364,721.9717,364,721.9717,364,721.97 1= :jb]zL a}+s÷ljQLo ;+:yfx? 20,849,216.74 17,364,721.97



ljj/)fljj/)fljj/)fljj/)f o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_s lgIf]k bfloTjs lgIf]k bfloTjs lgIf]k bfloTjs lgIf]k bfloTj 107,412,319.31107,412,319.31107,412,319.31107,412,319.31 76,298,325.3376,298,325.3376,298,325.3376,298,325.33 1= d"@tL lgIf]k - - 2= art lgIf]k 107,412,319.31 76,298,325.33 v shf{ ;fk^Ldfv shf{ ;fk^Ldfv shf{ ;fk^Ldfv shf{ ;fk^Ldf 107,535,071.85107,535,071.85107,535,071.85107,535,071.85 78,052,037.9178,052,037.9178,052,037.9178,052,037.91 1= g]kfn /fi^« a}+s - - 2= a}+s ljlQo ;+:yfx? 107,535,071.85 78,052,037.91 3= cGo ;+ul&t ;+:yf - - 4= cGo shf{ - - u cGou cGou cGou cGo 1,928,299.871,928,299.871,928,299.871,928,299.87 1,443,764.001,443,764.001,443,764.001,443,764.00 1= Aofh 1,928,299.87 1,443,764.00



ljj/)fljj/)fljj/)fljj/)f o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_dn laqmLaf^ cfDbfgL 11,650,838.67 11,906,976.50


Aofh cfDbfgLAofh cfDbfgLAofh cfDbfgLAofh cfDbfgL

dn laqmLaf^ cfDbfgLdn laqmLaf^ cfDbfgLdn laqmLaf^ cfDbfgLdn laqmLaf^ cfDbfgL

Aofh vr{Aofh vr{Aofh vr{Aofh vr{






ljj/)fljj/)fljj/)fljj/)f o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_1= ;]jf z"Ns 35,065,970.00 24,958,130.00 2= ;b:otf z"Ns 259,400.00 31,300.00 3= /]ld^]G; kmL 1,044,829.85 842,837.08 4= gljs/)f z"Ns 60,000.00 30,350.00 5= sn]S;g kmL 29,890.00 25,250.00 6= xh{gf z"Ns 1,940,679.07 1,280,593.33 7= cGo 5,079,871.93 13,018,292.31



ljj/)fljj/)fljj/)fljj/)f o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_z"?sf] df}Hbft 821,221.87 1,763,467.37 vl/b 11,788,455.00 9,917,858.50 ("jfgL vr{ 345,000.00 346,425.00 nf]* cgnf]* 129,710.00 131,492.00 #^fpg]M clGtd df}Hbft (2,076,316.00) (821,221.87)

s"ns"ns"ns"n 11,008,070.8711,008,070.8711,008,070.8711,008,070.87 11,338,021.0011,338,021.0011,338,021.0011,338,021.00


ljj/)fljj/)fljj/)fljj/)f o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_1= tna 43,182,587.00 38,564,435.00 2= eQf 6,401,645.00 10,088,129.00 3= ;+rosf]ifdf yk 2,845,561.00 2,125,693.00 4= tflnd vr{{ 369,745.00 1,748,406.00 5= kf]zfs 1,296,442.00 1,106,000.00 6= cf}ifwf]krf/ 1,132,908.00 855,901.00 7= aLdf 752,429.00 583,087.00 8= ljbf tyf pkbfg Joj:yf vr{{ 6,451,112.20 5,761,266.50 9= cGo 9,701,007.00 2,957,421.00


cGo cfDbfgLcGo cfDbfgLcGo cfDbfgLcGo cfDbfgL

dn laqmLsf] nfutdn laqmLsf] nfutdn laqmLsf] nfutdn laqmLsf] nfut

sd{rf/L vr{sd{rf/L vr{sd{rf/L vr{sd{rf/L vr{

cf}ifwL pkrf/




ljj/)fljj/)fljj/)fljj/)f o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_o; jif{ /sd -?=_ ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_ut jif{ /sd -?=_1= ljljw vr{ 930,699.80 769,549.00 2= aQL / kfgL 853,512.00 807,273.74 3= dd{t tyf ;Def/ 1,106,155.00 660,724.00 4= d;nGb / %kfO{{ 3,910,806.00 2,803,019.00 5= kqklqsf vr{ 49,890.00 45,105.00 6= lj!fkg tyf k|jw{g 534,877.00 486,303.00 7= ;fwf/)f ;ef ;DalGw vr{ 1,590,628.00 1,144,650.00 8= n]vfkl/If)f ;DalGw -s_ afx|o n]vfkl/If)f z"Ns 226,000.00 226,000.00 -v_ cfGtl/s n]vf kl/IF)F z"Ns 30,380.00 101,500.00 -u_ cGo vr{ 100,085.00 34,650.00 9= l:y/ ;DklQdf x|f; s§L 8,712,893.72 6,450,676.61 10= ;]jf z"Ns 7,110,957.00 4,831,912.00 11= sfg"gL tyf k/fdz{ vr{ 1,101,611.20 22,600.00 12= #/ ef*f 2,915,402.00 2,544,740.00 13= e|d)f eQf / vr{ 1,445,788.00 459,266.00 14= O{Gwg vr{ 1,131,402.00 1,026,396.00 15= kf]i^]h, ^]n]S;, ^]lnkmf]g 1,385,984.00 1,112,815.43 16= ;+rfns ;ldlt ;DaGwL vr{

-s_ a}&s eTtf 549,500.00 572,500.00 -v_ cGo vr{ 1,435,490.00 1,355,150.00

17= /sd :yfgfGt/)f sldzg 26,230.47 5,990.00 19= cltly ;Tsf/ 1,063,241.00 847,065.00 20= n#"ljQ 2,771,048.00 1,660,339.00 22= ljdf vr{ 875,425.00 564,417.00 23= ;b:o tflnd vr{ 801,070.00 24= ;b:o ;'/Iff vr{ 464,330.00 1,430,437.00


sfof{no ;~rfng vr{sfof{no ;~rfng vr{sfof{no ;~rfng vr{sfof{no ;~rfng vr{




cg";'rL 19

ljj/)f o; jif{ /sd -?=_ ut jif{ /sd -?=_cg"bfg cfo1= ;Ifd 6,550,678.35 8,629,256.65 2= ls;fg

hDdf 6,550,678.35 8,629,256.65

u}/ ;~rfng cfDbfgL÷-vr{_






cg';"rL @) M ljQLo ljj/0f ;Fu ;DalGwt k|d'v n]vf gLltx?-s_ ls;fg ax'p2]ZoLo ;xsf/L ;+:yf ln= g]kfndf :yflkt l;ldt bfloTj ePsf] ;xsf/L ;+:yf xf] .

o;sf] /lhi6«f8{ sfof{no s}nfnL lhNnf nDsL r'xf gu/kflnsf j8f g+= ! df /x]sf] .-v_ ljQLo ljj/0fx? tof/ kfbf{ cfwf/ dflgPsf n]vf gLltx? tn pNn]v ul./Psf 5g\ . cGoyf

n]lvPsf]df afx]s oL gLlt?sf] kfngf lg/Gt/ ?kdf ul/Psf] 5 .

!= ljQLo ljj/0f tof/Lsf cfwf/x?M ;+:yfsf] ljQLo ljj/0f? P]ltxfl;s d'No cjwf/0ffsf] cfwf/df :ki6 ?kdf cGoyf pNn]v u/]sf]df afx]s

k|f]befjL (Accrual) cfwf/df n]vf+sg u/L g]kfn n]vfdfg, ;j{dfGo n]vf l;4fGtx?, ;xsf/L P]g

@)&$ sf] Joj:yf ;d]tsf] clwgdf /xL tof/ ul/Psf 5g\ .

@= z]o/ k"FhL ;+:yfsf] ;fljs z]o/wgL tyf gofF ;b:ox?af6 z]o/ k"FhL afkt k|fKt /sdnfO{ z]o/ k"FhLdf yk

ug]{ tyf ;b:otf Tofu ug]{ ;b:osf] z]o/ k"FhL lkmtf{ /sdnfO{ z]o/ k"FhLaf6 36fpg] gLlt /x]sf]

5 .

#= l:y/ ;DklQ tyf x|f;s6\6L n]vf°g gLltM l:y/ ;DklQsf] k/n d"Nosf] lgwf{/0f vl/b d"No tyf ;f] vl/b;Fu ;DalGwt ;a} k|ToIf vr{x?

hf]8L ul/Psf] 5 . l:y/ ;DklQnfO{ x|f;s§L u/L v"b ;DklQnfO{ ljQLo ljj/0fdf b]vfOPsf] 5 .

;fy} lgdf{0fflwg cj:yfdf /x]sf ejgnfO{ k|of]udf NofP kZrft k"FhLs/0f ul/g] 5 .

o; ;xsf/Lsf] cfly{s k|zf;g lgodfjnL adf]lhd k|rlnt cfos/ P]g cg';f/ x|f;s§L ug]{

Joj:yf ul/Psf] ePtfklg ;+:yfn] x|f;s§L ubf{ ;~rfns ;ldltsf] a}7sn] kfl/t u/]sf] x|f; b/n] h'g dlxgfdf ;DklQ vl/b u/]sf] xf] ;f]xL dlxgf b]lv x|f;s§L ug]{ u/]sf] 5 .

$= cfos/ Joj:yf gLltM cfos/ P]g, @)%* tyf cfos/ lgodfjnL, @)%( cg';f/ :jo+ s/ lgwf{/0fsf] cfwf/df lgwf{/0f

ul/Psf] s/ of]Uo cfo u0fgf ul/ cfos/ Joj:yf ul/Psf] 5 . ;+:yfn] u/]sf] cfos/ Joj:yf ;DalGwt /fhZj sfof{noaf6 clGtd s/ lgwf{/0f x'Fbf 36a9 ePsf To:tf] km/s /sdnfO{ ;f]xL

jif{ cfjZostf cg';f/ n]vf°g ul/g] 5 . gu/kflnsf If]q leq ;~rfng ePsf art tyf C0f ;xsf/L ;+:yfnfO{ k|rlnt b/df &% k|ltzt 5'6sf] Joj:yf eP adf]lhd o; ;xsf/L ;+:yfn] art tyf C0f s/f]a/df % k|ltztsf b/n] / cGo sf/f]af/df @) k|ltztsf b/n] cfos/ Joj:yf

ul/Psf] 5 .

%= nufgL n]vf°g gLltM ;+:yfsf] nufgLnfO{ k/n d"Nosf] cfwf/df n]vf°g ug]{ gLlt /x]sf] 5 . k/n d"No eGbf ahf/

d"No sd ePsf] cj:yfdf ahf/ d"Nodf g} n]vf°g ug]{ gLlt /x]sf] 5 .



^= Aofh tyf cGo cfDbfgL u0fgf ul/sfMs_ shf{ vftfx?df Aofhsf] u0fgf #^% lbg k|lt jif{sf] b/n] ul/Psf] 5 .v_ shf{ tyf ;fk6df c;'nL ePsf] AofhnfO{ gub k|flKtsf] cfwf/df cfDbfgL hgfOPsf] 5 .

u_ cGo cfDbfgLnfO{ -sldzg tyf z'Ns_ gub k|flKtsf] cfwf/dd n]vf°g ug]{ gLlt cjnDag ul/Psf] 5 .

&= cg'bfgcfDbfgL ;Ifd PS;]; 6' kmfO{gfG; (Sakchyam Access to Finance) / ls;fg (Knowledge Based

Integrated Sustaniable Agriculture and Nutrition Program) kl/of]hgfx?sf] ;xof]udf s}nfnL lhNnfsf * j6f zfvfx? ;~rfngsf qmddf ePsf ljleGg vr{x? afkt k|fKt cg'bfg /sdnfO{

-vr{sf] xb;Dd cfDbfgL hgfO{ ;f] /sdnfO{ u}x| ;~rfng cfDbfgLdf b]vfO{Psf] 5 .

*= vr{ u0fgf n]vf°g gLltM s_ lgIf]k vftfx?df Aofhsf] u0fgf #^% lbg k|lt jif{sf] b/n] ul/Psf] 5 .

v_ lgIf]kdf e'QmfgL ug'{kg'{] Aofh /sdnfO{ k|f]befjL (Accrual basis) n]vf°g ug]{ gLlt cjnDag

ul/Psf] 5 .

u_ cGo vr{ k|f]befjL (Accrual basis) n]vf°g ug]{ gLlt cjnDag ul/Psf] 5 .

(= ;Defljt shf{ gf]S;fgL Joj:yf gLltM ;+:yfn] k|jfx u/]sf] shf{ tyf ;fk6df shf{nfO{ c;n, z+sf:kb / v/fa shf{df jlu{s/0f qmdzM

!, #% / !)) k|ltzt shf{ gf]S;fgL Joj:yf ul/Psf] 5 . n3'ljQ sfo{qmd tkm{ shf{ gf]S;fgL

Joj:yf c;n shf{df @ k|ltzt, z+sf:;kb shf{ #% k|ltzt / v/fa shf{df !)) k|ltzt Joj:yf

ul/Psf] 5 .

!)= nfef+z sf]ifsf] Joj:yf gLltM ;xsf/L P]g, @)&$ cg';f/ z]o/ /sdsf] !* k|ltztn] ga9\g] u/L jflif{s ;fwf/0f;efaf6 kfl/t

u/L nfef+zsf] ?kdf afF8\g ;lsg] /sdx? dWo]af6 nfef+z Joj:yf u/L e'QmfgL ug]{ ul/Psf] 5 .

!!= gfkmfsf] afF8kmfF8 ;xsf/L P]g, @)&$ / ;xsf/L lgodfjnL @)&% cg';f/ v'b gfkmfn] @% k|ltztn] x'g] /sd ;fwf/0f

hu]8f sf]ifdf ;fl/Psf] 5 . hu]8f sf]ifdf ;fl/;s]kl5 afFsL /xg cfpg] /sdnfO{ ;+/lIft k"FhL

sf]if @% k|ltzt / ;xsf/L k|j4{g sf]if )=%) k|ltzt ;fl/;s]kl5 afFsL /xg cfpg] /sdnfO{ !))

k|ltzt dfgL lgDgfg';f/ afF8kmfF8 ul/Psf] 5 .

qm= ;+= sf]if afF8kmF8 k|ltzt

! 3f6fk"tL{ sf]if !)

@ ;xsf/L ljsf; sf]if !)

# sd{rf/L sNof0f sf]if !)

$ ;xsf/L lzIff sf]if !)

% z]o/ nfefFz sf]if $%

^ ;b:o ;'/If0f sf]if !)

& hf]lvd Joj:yf sf]if %



!@= sd{rf/L pkbfg tyf ljbf jfkt Joj:yf gLltM pkbfgM ;+:yfn] x/]s cfly{s jif{df jflif{s tna vr{sf] !) k|ltzt pkbfgsf nflu Joj:yf

ul/Psf] 5 .

ljbfM ;l~rt labf afktsf] /sd jflif{s vr{ hgfO{ sf]ifsf] Joj:yf ul/Psf] 5 .

!#= sd{rf/L af]g;M af]g; P]gsf] Joj:yf adf]lhd sd{rf/L af]g; Joj:yf ul/Psf] 5 .

!$= k'g{juL{s/0fM t'ngf ug{ ;lhnf]sf] nflu cjfZostf cg';f/ ljut jif{sf tYof°x?nfO{ juL{s/0f jf k'gj{uL{s/0f

ul/Psf] 5 .




ls;fg ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8nDsL r'xf g=kf=–!, nDsL, s}nfnL

o; cfly{s jif{sf] cfDbfgL vr{ tyf cfufdL cf=j= sf] ah]6÷nIo

sd{rf/L vr{ ljj/0f af:tljs @)&%÷)&^ ah]6 @)&^÷)&&tna eQf 41,080,861.00 55,328,525.00

u|]8 2,101,726.00 4,000,000.00

k|d'v eQf 1,021,250.00 1,206,000.00

;+rosf]if 2,845,561.00 4,836,500.00

bz}+ vr{ 3,162,053.00 4,615,000.00

vfhf eQf 3,184,414.00 4,160,000.00

cf}ifwL vr{ 1,132,908.00 2,325,000.00

sd{rf/L jLdf 752,429.00 1,880,000.00

sd{rf/L 3/ef8f 462,000.00 1,098,000.00

dx+uL eQf 3,028,175.00 4,616,000.00

lkmN8 eQf 3,330,540.00 4,832,000.00

tflnd vr{ 369,745.00 3,515,000.00

n'uf eQf 1,296,442.00 1,700,000.00

labfsf] /sd Aoj:yf vr{ 2,150,370.40 1,125,000.00

pkbfg Aoj:yf vr{ 4,300,741.80 5,645,615.00

ljz]if eQf 1,914,220.00 1,482,000.00

hDdf sd{rf/L vr{ 72,133,436.20 102,364,640.00

;+rfng vr{ljj/0f af:tljs @)&%÷)&^ ah]6 @)&^÷)&&

dd{t ;Def/ vr{ 1,106,155.00 1,495,000.00

sfof{no ljdf vr{ 875,425.00 1,580,000.00

afXo n]vf kl/If0f vr{ 100,085.00 175,000.00

k'hf vr{ 70,690.00 128,000.00

kqklqsf vr{ 49,890.00 102,000.00

lj1fkg vr{ 127,972.00 302,500.00

sd{rf/L cfj]bg vr{ 46,855.00 100,000.00

cltly vr{ 336,666.00 460,000.00

km08 6\fG;km/ vr{ 26,230.47 72,000.00

;+rfns a}7s eQf 549,500.00 800,000.00

;fwf/0f ;ef vr{ 1,590,628.00 4,000,000.00

aQL kfgL vr{ 853,512.00 1,524,000.00

s'l/o/ vr{{ 36,673.00 127,000.00

ls;fg ax'p2]ZoLo ;xsf/L ;+:yf ln=nDsL r'xf g=kf=! nDsL, s}nfnL

o; cfly{s aif{sf] cfDbfgL vr{ tyf cfufdL cf=j=sf] ah]6÷nIo



6]lnkmf]g vr{ 643,169.00 1,070,000.00

O{Gwg vr{ 1,126,802.00 1,430,000.00

:6]zg/L vr{ 871,516.00 1,223,000.00

lkmN8 vr{ 1,521,603.00 1,838,000.00

Jofkf/ k|j4{g vr{ 215,350.00 450,000.00

pk ;ldtL vr{ 169,265.00 250,000.00

;b:otf vr{ 27,598.00 200,000.00

cfGtl/s n]vf kl/If0f vr{ 30,380.00 300,000.00

k|fof]hg vr{ 10,000.00 50,000.00

5fqj[lt vr{ 86,000.00 100,000.00

;+rfns cGo vr{ 1,266,225.00 1,500,000.00

vftfjGbL vr{ 392,505.00 353,000.00

sG;Nf6]G;L vr{ 1,101,611.20 2,450,000.00

cGo vr{ 335,380.00 420,000.00

;+lrt ljbf vr{ 2,150,370.40 2,825,000.00

e}k/L vr{ 372,344.93 635,000.00

;]jf vr{ 5,576,653.00 6,580,000.00

s/ 66,900.00 575,000.00

O{G6/g]6 vr{ 706,142.00 980,000.00

k'g{tfhuL vr{ 263,380.00 200,000.00

5kfO{ vr{ 3,031,940.00 3,600,000.00

x|f;s6L vr{ 8,710,157.22 10,070,000.00

ljwfg lgdf0f{ vr{ 0.00 300,000.00

oftfoft vr{{ 0.00 500,000.00

;fdflhs pQ/bfloTj vr{ 13,950.00 320,000.00

sfof{no ef8f vr{ 2,915,402.00 3,440,000.00

cGo tflnd vr{ 73,205.00 1,400,000.00

;b:o ;'/If0f vr{ 84,349.00 755,000.00

sd{rf/L a}7s vr{ 121,536.00 200,000.00

s]Gb| e|d0f vr{ 0.00 100,000.00

;km\6j]o/ vr{ 1,534,303.97 1,400,000.00

lehg @)@) vr{ 0.00 200,000.00

s]Gb| k|d'v uf]i7L vr{ 531,909.00 750,000.00

ljlQo ;fIf/tf vr{ 184,812.00 780,000.00

lk=lh=6L= / lh=cf/=6L vr{ 107,480.00 280,000.00

;b:o ;'/If0f vr{ 464,330.00 600,000.00

n3'ljQ ;b:o ;Dd]ng vr{ 646,555.00 100,000.00

pkrf/ vr{ 0.00 100,000.00

/ht hoGtL sfo{qmd vr{ 0.00 7,100,000.00



dn ljlqm nfut 11,008,070.87 13,000,000.00

lgIf]kdf Jofh vr{ 107,412,319.31 149,807,433.00

shf{ tyf ;fk6Ldf Jofh vr{ 107,535,071.85 134,225,000.00

hf]lvd shf{ Joj:yf vr{ 31,443,092.84 22,790,103.00

pkbfgdf Jofh vr{ 1,601,211.38 2,200,000.00

;+lrt ljbfdf Jofh vr{ 327,088.49 500,000.00

hDdf ;+rfng vr{ 300,450,259.93 388,812,036.00

cfDbfgL

ljj/0f af:tljs @)&%÷)&^ ah]6 @)&^÷)&&C0fdf Aofh cfDbfgL 367,957,804.55 475,391,821.00

a}s Aofh cfDbfgL 20,849,216.74 32,200,000.00

nufgL af6 k|fKt nfefz+ 245,466.99 400,000.00

;Demf}tf cfDbfgL 10,000.00 10,000.00

;b:otf z'Ns 31,300.00 100,000.00

;]jf z'Ns 7,472,336.00 9,550,000.00

k\mofS; sld;g 16,549.40 15,000.00

vftfaGbL cfDbfgL 8,300.00 11,000.00

sld;g 609,862.00 806,000.00

;fv ;'rgf 40,100.00 60,500.00

lgj]bg z'Ns 32,701.00 25,000.00

u}/ ;+rfng cfDbfgL 6,550,678.35 10,500,000.00

/]ld6fG; 842,837.08 1,200,000.00

r]s sn]S;g 25,250.00 32,000.00

xh{gf z'Ns 1,280,593.33 1,415,000.00

P; Pd P; z'Ns 115,000.00 200,000.00

gljs/0f z'Ns 30,350.00 80,000.00

ljljw cfDbfgL 34,774,676.32 48,145,355.00

df]jfO{n a}lsu+ cfDbfgL 1,269.73 10,000.00

lhk ef8f 5,000.00 25,000.00

ljdf sld;g 227,344.00 200,000.00

dn vl/b 11,650,838.67 13,800,000.00

hDdf cfDbfgL 452,777,474.16 594,176,676.00



;fsf/ eof] sNkgfsf] ;kgf

xfd|f] ;dfhdf cfjZostf

eGbf a9L C0f lng] clg Joj;flos of]hgf lagf Tof] C0f

/sd vr{ ug]{ / cfDbfgL ug{ g;s]kl5 C0f ltg]{a]nf ljlQo

;+:yfnfO{ ufnL ug]{x?sf] hdft sd 5}g . lagf ldlxg]t /ftf /ft dfnfdfn x'g] ;kgf b]Vg] To:tf]

hdftsf nflu ultnf] hjfkm xf] sNkgfsf] ;fsf/ ePsf] ;kgf .la; xhf/ ?k}of nufgL u/]/ z'? u/]sf] t/sf/L Joj;foaf6 df;Ls %) xhf/ ;Dd cfDbfgL ug{ yfn]kl5 pgsf] ;kgf ;fsf/ ePsf] 5 . sNkgfsf] ;kmntfsf] ofqf TotL ;xh eg] lyPg . em08} & jif{sf] cgj/t ldlxg]t / nugzLntfsf sf/0f ul/aLaf6 d'Qmx'g] pgsf] ;kgf ;fy{s ePsf] xf] .

o:tf] lyof] ljutpd]/n] #& nfUg} cf6]sL sNkgf yf?sf] hGd s}nfnL lhNnfsf] hfgsL ufpFkfnLsf j8f g+=& lxDdtk'/df Ps ;dfGo k/Ljf/df eof] . ul/aLs} sf/0f k|f/DeLs lzIff eGbf a9L lzIff kfpg ;Dej ePg / l56} ljx] u/]/ gofF ;F;f/ ;DxfNg] cleef/f ;d]t plgdfyL cfO{ nfUof] . lgoltdf olt dfq} lyPg b'vsf rfFux? cem w]/} cfpb} uP . ljx]kl5 pgsf a'9f a'9L k'Vof}{nL kl/jf/af6 5'6\6LP/ cnu a:g yfn] . ;fgf] cf]t nfUg ldNg] e'mk8L pgsf] efudf k¥of] . Hofnf dhb'/Ldf b}gLs k]6kfNg ;Ddsf] sfo{df

Jo:t x'g yfn] a'9f a'9L . sNkgf x/]s lbg @ 5f]/fx?sf] ;'Gb/ clg ;'/lIft eljioaf/] sNkgf ub}{ ul/aLaf6 dfyL p7\g] ;kgf b]Vg yflng . t/ Tof] ;kgfnfO{ oyfy{tfdf abNg TotL ;xh eg] lyPg . Tof] ul/aLsf] ps'; d's';af6 d'QmL kfpg] k|oTg gu/]sL klg xf]O{gg\ t/ 5/l5d]s / ;dfhdf ljlQo ;xfotf ug]{ sf]xL ePg .

Joj;flos ofqf ls;fg ax'p2]ZoLo ;xsf/L ;+:yfsf] 6Lsfk'/ zfvfn] ldtL @)^% r}q $ ut] sNkgfsf] ufpF 6Lsfk'/sf]

;ldltk'/df n3'ljQ ;]jf lj:tf/ u¥of] . sNkgf ls;fgsf] n3'ljQ ;b:o eO{g . Joj;fo ug]{ /

ul/aLaf6 pGd'QmL kfpg] ;kgf x'Fbf x'b} klg pgn] z'?d} ;d"xaf6 C0f dfu ug]{ cfF6 ug{ ;lsgg\ . klxnf] k6s ljlQo ;+:yfdf ;b:o ePsf sf/0fn] t'?Gt} C0f dfUf ug{ g;s]sf] pgn] ;'gfO{g\ – …dfu ug{ ;lsGYof] t/ s] Joj;fo ug]{ eGg] of]hgf lyPg To;}n] st} ;dod} ltg{ g;lsg] xf] ls eGg] ;f]r]/

8/fP .Ú >Ldfg;+u ;Nnfx ubf{ b'j}hgfn] ldlxg]t u¥of] eg] ltg{ ;lsG5, ;fdfGo t/sf/L k;naf6

Joj;fo ;'? ug{ ;'emfj kfP kl5 xf}l;Psf] pgn] ;'gfO{g\ – …b'O{ a'9f a'9L ldn]/ ldlxg]t u¥of] eg] ltg{ ;lsG5 ltdL lrGtf gn]p, C0f dfu u/, afFsL Joj:Yff d ldnfp5' eGg' eof] To;kl5 dnfO{ klg

;xf; cfof] .Ú



klxnf] k6s @)^( c;f]h !^ ut] @) xhf/ shf{ lnO{ 6Lsfk'/ ahf/df 7]nfdf t/sf/L k;n ;'?

ul/g\ . Joj;flos ofqfsf ;xofqL eP pgsf >Ldfg\ /fd gf/fo0f yf? . laxfg} $ ah] b]vL ;fO{sndf ufpF ufpF rxf/]/ t/sf/L ;+sng u/L cfkm\gf] k;n ;Dd Nofpg lhDd]jf/L lnP >Ldfg\ /fd gf/fo0fn] /

lbge/L pQm t/sf/L a]Rg] / x/ lx;fa /fVg] lhDdf lnO{g >LdtL sNkgfn] . Joj;fo km:6fpb} uof] . b}lgs cfDbfgL klg /fd|} x'g yfNof] . z'?jftL lbgx?df b}lgs % xhf/ ;Ddsf] sf/f]af/ x'g yfn] kl5 b'j} hgf nfO{ yk xf};nf ldNg yfNof] .

Joj;foaf6 lgoldt cfDbfgL x'g yfn]kl5 art ug{ yflng / ls:tf

ltg{ ;lhnf] eof] .

sNkgfsf] ;kgf cem} km/flsnf] aGb}uof] . t/sf/L k;nnfO{ a9fpg]

dg;fo agfP b'j} hgfn] . To;kl5 bf];|f] k6sdf %) xhf/ C0f lnP/

t/sf/L k;n a9fO{g\ . 6Lsfk'/sf]

x+sË ahf/df pgsf] t/sf/L k;n :yflkt eof] . Joj;fonfO{ Jojl:yt

agfpFg of] hf]8L lg/Gt/ k|oTglzn eO{/xof] . ;fO{sndf t/sf/L af]Sg] /fdgf/fo0fn] t/sf/L 9'jfgLsf nflu df]6/ ;fO{sn k|of]u

ug]{ dg;fo agfP . …Ps} rf]6Ldf w]/} t/sf/L klg Nofpg ;lsg]

/ c?a]nf otf ptf hfg klg ;xh x'g] ePsfn] df]6/ ;fO{sn cfjZos eof]Ú– /fd gf/fo0fn] ;'gfP .

df]6/ ;fO{sn cfP ;+u} Joj;fo klg yk lj:tf/ eof] . glhs} ufpFdf uP/ t/sf/L ;+sng ug]{ /fd gf/o0f ca 6f9faf6 kgL

t/sf/L cf];f/ k;f/ ug{ ;Sg] eP . of] ;+u} t/sf/L laqmL ug]{ ahf/ klg km/flsnf] aGb} uof] . t/sf/Lsf] vl/b laqmL a9] ;+u} Joj;fosf] k'FhL a9fpg' kg]{ eof] . sNkgf h:t} ;Ifd

Joj;foLx?sf nflu ls;fg ax'p2]ZoLo ;xsf/L ;+:yfn] NofPsf] ;Ifd Joj;foL shf{ kfpg plg of]Uo eO{;s]sL lyO{g . pgn] ;+:yfaf6 # nfv ;Ifd Joj;foL shf{

lnO{g . ca pgsf] k;n v'b|f ;+u} xf]n;]n t/sf/L k;ndf kl/0ft eof] . s'g} a]nf e'mk8Ldf cf]t nfUg afWo of] hf]8L, cfh ;don] sf]N6] km]/]kl5 /fd|f] lrl6Sssf] 3/ agfpg ;kmn ePsf] 5 . s8f ;+3if{af6 cGttM 6Lsfk'/sf] x+sË ahf/df clt Jo:t / rNtLsf] t/sf/L k;n :yfkgf ug{

;kmn ePkl5 ;kgf ;fsf/ ePsf] sNkgf atfp5Lg . s8f ldlxg]t, nugzLntf, ljlQo cg'zf;g / O{dfGbf/Ltf pgsf] ;kmn Joj;foLs ofqfsf d'Vo sf/s tTj x'g . of] Joj;flos ofqfsf] cg'ej

af/] k|Zg ubf{ pgn] d':s'/fpFb} elgg\ …C0f d}n] xf]O{g d}n] u/]sf] d]xgt / Joj;fon] ltg]{ /x]5, t/ Joj;flos of]hgf, O{dfGbfl/tf, nuglzntf, w}o{tf / s8f ldlxg]t t x'g} kg]{ /x]5 .Ú



ls;fg Plss[t s[lif kmd{

!= k[i7e"dL Mls;fg ax'p2]ZoLo ;xsf/L ;+:yf lj=;+= @)%@ ;fndf ax'p2]ZoLo ;xsf/Lsf ;+:yfsf ?kdf :yfkgf eO{ xfn ;Dd cgj/t?kdf o;If]qdf ljlQo tyf u}/ljlQo ;]jfx? k|bfg ub}{ cfO{/x]sf]

5 . :yfkgf r/0fdf vfBfGg vl/b laqmLaf6 z'? ePsf] o;sf] d'Vo sf/f]af/ ;doqmd ;+u} s[lifdf cfl>t hgtfx?sf] dgf]efjnfO{ a'em\b} /f;folgs dn ljqmL ljt/0f x'b} cfk\mgf ;b:ox?nfO{ s[lif sfo{ ug{ cyjf cGo pTkfbgd'ns If]qdf nufgL ug{ cfjZos kg]{ /sd shf{ k|jfx tyf art

;+sng sfo{ ;d]t z'? ul/ xfn art tyf C0fsf cnfjf n3'ljQ sfo{qmd tyf s[lif k|j4{g sfo{qmd ;d]t ;Grfng ub}{ cfO{/x]sf] 5 . s}nfnL lhNnf sfo{If]q /x]sf] o; ;xsf/L ;+:yf ;+u xfn ^) xhf/ eGbf a9L ;b:ox? cfj4 eO{ ;]jf lnO{/x]sf 5g\ eg] lt ;b:ox? dWo] em08} &) k|ltzt Go"g cfo ePsf lgjf{xd"vL s[lifdf cfl>t hgtfx? /x]sf 5g\ . s[lifnfO{ cfk\mgf]

d'Vo /f]hL/f]6L agfpFb} cfPsf To:tf ;b:onfO{ Joj;flos s[lifsfo{ tkm{ cfslif{t ub}{ plgx?sf]

cfo:t/df ;'wf/ ug{ ;s] :yflgo :t/df /f]huf/Ldf a[4L eO{ ;du| cy{tGqdf cg's'n k|Effj kfg]{ ;+:yfsf] nIo /x]sf] 5 . s[lifdf cfl>t vf;ul/ lgDg cfo ePsf o'jf tyf dlxnfx?nfO{ o; cl3g} ;+:yfn] s[lif tflnd, k/fdz{, ;'ned'Nodf /f;folgs dn, lgz'Ns lapljhg, lgz'Ns pTkfbg ;fdfu|L tyf s[lif shf{

ljt/0f ub}{ cfPsf] 5 . tyfkL, o;If]qsf] s[lif pkhsf] pTkfbsTj, cfoftsf] cj:yf tyf j}b]zLs

/f]huf/Ldf hfg]sf] ;+Vof x]g]{ xf] eg] cem} km/flsnf] If]qdf ljz]if sfo{qmd nfu' ul/ o'jfx?nfO{ Joj;flos s[lifsf] bfo/fdf ;d]6\g' kg]{ cfjZostfnfO{ dx;'; ub}{ ldlt @)&^ h]i7 @ ut] af6 hfgsL ufpkflnsfsf] cd/fjtLdf @=% ljufx hUuf ef8fdf lnO{ $) nfvsf] nfutdf Plss[t s[lif kmd{ ;GRfng u/]sf] 5 .

@= nIo tyf p2]ZoM s'g} klg Joj;flon] nufgL ;'lglZrt ug{ pBdlzn If]qdf nufgL ug'{ k5{ . t/, pBdlzn If]qn]

k|ltkmn lbg] ;'lglZrt x'g ;s]g eg] nufgL 8'Ag] ;Defjgf k|an /xG5 eGg] s'/f ;+:yfn] ljut nfdf] ;do b]lv art tyf C0fsf] sf/f]af/ ul//xFbf dx;'; u/]sf] s'/f xf] . s}nfnL lhNnfsf

&) k|ltzt cyjf o; ;xsf/L ;+:yfsf nfefGjLt ;b:o dWo] &) k|ltztsf] d'Vo nufgLsf] If]q eg]sf] s[lif xf] . ;fFem laxfg 5fs 6fg]{ xf]; jf yf]/ yf]/} cfDbfgL ul/ b}lgs uhf]{ 6fg{ g} lsg gxf]; ;a}n] v]taf/L ug]{ u/]sf 5g tyfkL rfx] h:tf] k|ltkmn kfpg g;Sbf lj/lQmP/ ljb]

zLg]sf] ;+Vof sd 5}g . o; ;Gbe{df ;+:yfsf ;b:ox?nfO{ Joj;flos s[lifsf nflu k|]l/t

ul/ plgx?sf] cfDbfgL a[4Lul/ lhjg:t/ psf:g' o; kl/of]hgfsf] d'Vo p2]Zo /x]sf] 5 . yk p2]Zox? lgDgfg';f/ /x]sf 5g\ M



y cfw'lgs k|ljlwsf] Joj;flos v]tLaf6 lng ;lsg] nfe af/] :yflgonfO{ ;r]t u/fpg] . y s[ifs ;b:onfO{ s[lif k|ljlwaf/] s[lif kmd{df lkmN8 k|lzIf0f k|bfg ug]{ .

y hf]vLd Go"gLs/0fsf nflu ;fd'lxs Joj;flos v]tLnfO{ k|j4{g ug]{ . y pTkfbg kZrft ;fd'lxs ;+sng, k|zf]wg tyf ahf/Ls/0f sf nflu ;xhLs/0f ul/lbg] . y ;+sng s]Gb|sf ?kdf sfo{ ul/ ;b:osf pTkfbgx?sf] ahf/Ls/0f ul/lbg] . y gd'gf s[lif ko{6gsf] ljsf; ug]{ . y :yflgo :t/df /f]huf/L ;[hgf ug]{ .

y d'No>[vnfsf cfwf/df lglZrt ;do l;dfsf nflu s[lif pkh lwtf] /fvL C0f lbg] .

#= nIo M o; Plss[t s[lif kmd{n] to u/]sf nIox? lgDgfg';f/ 5g\ M y k|:tfljt kmd{af6 aflif{s @ afnL rqm ul/ Go"gtd @)) d]6«Ls 6g t/sf/L pTkfbg ug]{ . y Ps jif{leq Go"gtd $ xhf/ s[ifs ;b:onfO{ cfw'lgs tyf Joj;flos s[lifaf/] tflnd

lbg] . y Ps jif{ leq Go"gtd ! xhf/ s[ifs ;b:onfO{ kmfd{ lkmN8 tflnd k|bfg ug]{ .

y xfO{6g]n Knfl:6s 3/ lgdf{0f ul/ a]df};dL t/sf/L pTkfbg ug]{ . y xfO{6g]n Knfl:6s k|ljlwaf/] Go"gtd ! ;o hgfnfO{ k|lzlIft ug]{ . y :yflgo :t/sf Go"gtd & hgfnfO{ lgodlt / $) hgfnfO{ cfjlws /f]uhf/Lsf] Uof/]G6L

ug]{ . y k|lzIfLt :yflgo dlxnf tyf o'jfx?nfO{ lagf lwtf] tyf lwtf] ;lxt s[lif shf{ k|jfx ug]{ .

y ;b:oaf6 ;d'xdf cfwfl/t pTkfbgug{ k|f]T;flxt ul/ aflif{s ?kdf plgx?n] pTkfbg ug]{ Go"gtd $ 6g t/sf/L ;+sng tyf ahf/Ls/0f ul/lbg] .

y …Ps 6f]n Ps pTkfbgÚ sf] gf/f :yflkt ug]{ .

y cfpg] jif{x?df lhNnf e/Lsf ljleGg :yfgx?df s[lif ks]6If]q lgdf{0fsf nflu cfjZos k'jf{wf/x? tof/ ug]{ .

y s[lif Joj;fodf ljrf}lnofsf] cGToul/ s[ifsnfO{ l;w} nfe k|jfx ug]{ .

y …s[ifssf] :jfledfg ls;fgsf] cleofgÚ ;Grfng ul/ s[lif k]zfnfO{ ;DdfgLt / dof{lbt

agfpg] .

$= ck]lIft kl/0ffd M y k'lj{ s}nfnLdf t/sf/L cfoftsf] kl/df0fdf sdL . y Go"gtd % ;o kl/jf/sf] cfo cfh{g a[4L eO{ lhjg:t/df kl/jt{g . y j}b]zLs /f]huf/Ldf hfg] o'jfx?sf] ;+Vofdf Go"gLs/0f . y o; ;+:yfsf] art tyf C0f sf/f]af/df a[4L . y …Ps 3/ Ps pTkfbgÚ sf] cjwf/0ff nfu' eO{ tyf ljrf}nLofsf] cGTo eO{ s[lif pkhsf]]

d'No sd x'g] / ;du| dx+uL lgoGq0fdf ;3fp k'Ug] .



cd/fjtL k|x/L rf}sL

ls;fg s[lif kmd{

c= #)) ld6/

p

b

k k"

v}/LkmfF6 hfg] af6f]

8'8]e

mf/L ;

8s

y s[lif k]zfnfO{ dof{lbt tyf ;Ddflgt k]zfsf ?kdf :yflkt ug]{] .

%= ;+nUg hgzQmLsf] ljj/0f kmd{ Dofg]h/ M ! hgfs[lif k|fljlws M # hgfx]/fn' M @ hgf

^_ xfn ;Dd s[lif kmd{af6 ;Dkfbg ul/Psf d'Vo lqmofsnfkx? Mc_ ! ljufx If]qkmndf !@% Knfi6Ls 6g]n lgdf{0f u/L Joj;foLs t/sf/L pTkfbg .

cf_ ! s7\7f If]qkmndf kf]v/L lgdf{0f u/L df5fkfng eO{/x]sf] .

&_ k|al4{t afnL M @ ljufxdf a]df};dL sfqmf,af]8L,nf}sf,s/]nf,6df6/,sfpnL,d'nf,wfg,

*_ pTkfbgsf] cj:yf M

qm=;+= afnL÷df5f pTkfbg kl/df0f

! sfpnL #&@% s]=hL

@ 6df6/ $^$# s]=hL

#= sfFqmf !!( 6n]g -pTkfbg x'b}_

$ af]8L # 6g]n -pTkfbg x'b}_

% nf}sf #)) a]gf{ -pTkfbg x'b}_

^ s/]nf %))) a]gf{ -pTkfbg x'b}_

&= wfg @$! s]=hL

* df5f @) s]=hL



gf]6

Download Kisan Mobile Banking app

;d"xdf cfj4 dlxnf ;b:ox?sf nflu

Coming Soon

!= S.M.S dfk{mt t'?Gt lkmN8d} sf/f]jf/sf] hfgsf/L

@= kf;a'sn]; sf/f]jf/#= r]s dfk{mt e'QmfgL ;'ljwf$= s]Gb| a}7s ;dosf] art%= s]Gb| a}7sd} shf{ nufgL

;'ljwf^= lkmN8d} ;b:osf] kmf]6f]

cknf]8 ;'ljwf&= x:tfIf/ sf8{ cknf]8 ;'ljwf*= art tyf shf{ sf/f]jf/sf]

hfgsf/L(= ;b:osf] cf}7f 5fk /fVg

ldNg]!)= lkmN8 af6} ;b:o /lhi6/

tyf KYC cknf]8 ;'ljwf

g]kfnd} ;d'x df]8ndf dfyLsf ljz]iftf ;lxt ;kmntfk'j{s 6\ofAn]6af6 sf/f]jf/ ug]{ klxnf] ;+:yf ls;fg .

6\ofAn]6 a}lsª ;]jf

gofF vftf vf]Nbf df]afOn a}+ls

Ë

;]jf / ATM ;]jf l;Q}df

KISAN ATM

s'g} klg a}+ssf] ATM af6 k};

f

lemSbf cltl/Qm z

'Ns nfUg] 5}g

df]afOn a}lsª ;]jf

V QR Payment V ldlg :6]6d]G6 hfgsf/L V r]s cg'/f]w / r]s /2 V lah'nL aQLsf], vf]kfgLsf] lan e'QmfgL V shf{ tyf art af/] hfgsf/L V SMS Alert V E-sewa load V Mobile TOp-up V h'g;'s} a}+s vftfdf k};f 6«fG;km/ ;'ljwf

qm=;+= zfvf sfof{no kmf]g g+=

! nDsL )(!–%$)%))

@ l6sfk'/ )(!–%^)#((

# n=l6sfk'/ )(!–%^!@&%

$ af}lgof )(!–$)$)))

% d;'l/of )(!–$)@)()

^ n=hf]lzk'/ )(!–$)!)^*

& hf]lzk'/ )(!–$)!)^*

* x;'lnof (*)@%)&!&)

( ;'v8 )(!–$)#@)@

!) ehgL )(!–%*)@#$

!! cQl/of )(!–%%!@&!

!@ wgu9L )(!–%@^!*$

!# rf}dfnf )(!–$!*)^!

!$ ;xhk'/ (&$()(@)!)

!% gf/fo0fk'/ (*)@%)&!&^

!^ km'naf/L )(!–%)%)&&

!& ;f]N6f (&$()(@)!!

!* kxndfgk'/ )(!–$))@)(

!( ky/}of (*)@%)&!%&

@) k|tfkk'/ (*)@%)&!^)

zfvf sfof{nox?sf] ;Dks{ gDa/

k7fpg] kfpg]

z]o/ ;b:otf g+= ================================================================================

z]o/ ;b:osf] gfdM =======================================================================

7]ufgfM =================================================================================================================

s]lGb|o, sfof{nonDsLr'xf g=kf=–!, nDsL, s}nfnLkmf]gM )(!–%$)$%), %$)$*^, %$)%))Od]nM info@ kisancop.com.npj]e;fO6M kisancoop.com.np

16609117333

Documents

cf}+ jflif{s k|ltj]bg @)&%÷)&^ jflif{s - kisancoop.com.np · s]lGb|o, sfof{no nDsLr'xf g=kf=–!, nDsL, s}nfnL jflif{s k|ltj]bg @)&%÷)&^ ANNUAL REPORT 2018/019 jflif{s ;fwf/0f ;ef