hf/L ul/Psf kl/kqdf ul/Psf ;+zf]wg÷kl/dfh{g÷yk Joj:yf ......Miscellaneous Expenditure not written off 0 6= qmd ;+Vof ! / @ vf/]h u/L kmf/fdsf] qmd ;+Vof ldnfg ul/Psf] . Form No

1

PsLs[t lgb{]zg, @)&^ hf/L ug]{ qmddf ljBdfg PsLs[t lgb]{zg @)&% tyf tt\kZrft\ hf/L ul/Psf

kl/kqdf ul/Psf ;+zf]wg÷kl/dfh{g÷yk Joj:yf ;DaGwL tflnsf

qm=;+ lgb]{zg g+= ljBdfg Joj:yf ;+zf]lwt Joj:yf

1= O=k|f=lgb]{zg g+= !÷)&%

sf] Capital Adequacy

Framework, 2007 /

2015 sf] a'Fbf g+= #=# sf]

v08 -C_ sf] pkv08 -@_

sf] k|laGwfTds jfSof+z

df ;+zf]wg

However, the claims on foreign banks incorporated

in the SAARC region and which operate with a

buffer of 1% above their respective regulatory

minimum capital requirements may be risk weighed

at 20%.

However, the claims on foreign banks incorporated

in the SAARC region and China and which operate

with a buffer of 1% above their respective regulatory

minimum capital requirements may be risk weighed

at 20%.

2= O=k|f=lgb]{zg g+= !÷)&%


Framework, 2007 /

2015 sf] a'Fbf g+= #=# sf]

v08 -J_-1_ sf] bf];|f] a'n]6

df ;+zf]wg

Staff loan given as per Employee By-laws and

secured by residential property, that is or will be

occupied by the staff or that is rented, will be risk-

weighed at 60%. However, banks should ensure the

existence of adequate margin of security over the

amount of loan based on strict valuation rules.

Staff loan given as per Employee By-laws and

secured by residential property, that is or will be

occupied by the staff or that is rented, will be risk-

weighed at 50%. However, banks should ensure the

existence of adequate margin of security over the

amount of loan based on strict valuation rules.

3= O=k|f=lgb]{zg g+= !÷)&%


Framework, 2007 /

2015 sf] Form No 2

RISK WEIGHTED

EXPOSURE FOR

CREDIT RISK sf]

$!cf} Row df ;+zfw]g

A. Balance

Sheet

Exposures

Book

Value

Specific

Provision

Eligible

CRM

Net

Value

Risk

Weight

Risk

Weighted

Exposures

Staff loan

secured

by

residential

property

0 0 0 0 60% 0

A. Balance

Sheet

Exposures

Book

Value

Specific

Provision

Eligible

CRM

Net

Value

Risk

Weight

Risk

Weighted

Exposures

Staff loan

secured

by

residential

property

0 0 0 0 50% 0

4= O=k|f=lgb]{zg g+= !÷)&%


Framework, 2015 /

Capital Adequacy

Framework, 2007 sf] Form No 2 RISK

WEIGHTED

EXPOSURE FOR

A. Balance

Sheet

Exposures

Book

Value

Specific

Provision

Eligible

CRM

Net

Value

Risk

Weight

Risk

Weighted

Exposures

Claims on

Other

Multilater

al

Developm

ent Banks

0 0 0 0 100% 0

Claims on

Public 0 0 0 0 20% 0

A. Balance

Sheet

Exposures

Book

Value

Specific

Provision

Eligible

CRM

Net

Value

Risk

Weight

Risk

Weighted

Exposures

Claims on

Other

Multilater

al

Developm

ent Banks

0 0 0 0 100% 0

Claims

on 0 0 0 0 100% 0

2


CREDIT RISK sf]

!$cf} / !%cf} sf]

aLrdf gofF Row yk

Sector

Entity

(ECA 0-

1)

Domestic

Public

Sector

Entities

Claims on

Public

Sector

Entity

(ECA 0-

1)

0 0 0 0 20% 0

5= O=k|f=lgb]{zg g+= !÷)&%


Framework, 2015 tyf Capital Adequacy

Framework, 2007 sf]

Form No. 5 Other

Assets sf] qmd ;+Vof !

/ @ vf/]h

FORM NO.5 OTHER ASSETS

S.N

o.

Assets Gross

Amou

nt

Specific

Provision

&

Valuation

Adjustme

nt

Net

Balance

1 Cash and Cash

Items in Transit

0

2

Miscellaneous

Expenditure not

written off

0

qmd ;+Vof ! / @ vf/]h u/L kmf/fdsf] qmd ;+Vof ldnfg

ul/Psf] .

6= O=k|f=lgb]{zg g+= !÷)&%


Framework, 2015 sf]

Form No. 6 / Form No.

7 df ;+zf]wg

Form No. 6 / Form No. 7 df /x]sf] b]xfoadf]lhdsf]

Joj:yf

Risk Weight (reciprocal of capital requirement

of 10%) in times 10

Form No. 6 / Form No. 7 df /x]sf] b]xfoadf]lhdsf] Joj:yf

Risk Weight (reciprocal of capital requirement

of 11%) in times 9.09

7= O=k|f=lgb]{zg g+=

@÷)&%

sf] a'Fbf g+= ! sf]

pka'Fbf -s_ sf] v08 -

@_ sf] pkv08 -O{_ df

;+zf]wg

!= shf{ ;fk6sf] juL{s/0f

;fFjf / Jofh lgoldt ?kdf e'QmfgL ePtfklg

nuftf/ b'O{ jif{b]lv v'b gf]S;fgLdf /x]sf] jf g]6jy{

C0ffTds /x]sf] kmd{, sDkgL jf ;+:yfnfO{ k|jflxt

shf{ . t/, lgdf{0ffwLg cj:yfdf /x]sf kl/of]hgfnfO{

k|bfg ul/Psf] shf{sf] xsdf kl/of]hgfn] Jofj;flos

pTkfbg z''? u/]kl5 dfq of] Joj:yf nfu" x'g]5 .

!= shf{ ;fk6sf] juL{s/0f

;fFjf / Jofh lgoldt ?kdf e'QmfgL ePtfklg nuftf/

b'O{ jif{b]lv v'b gf]S;fgLdf /x]sf] jf g]6jy{ C0ffTds

/x]sf] kmd{, sDkgL jf ;+:yfnfO{ k|jflxt shf{ . t/,

lgdf{0ffwLg cj:yfdf /x]sf kl/of]hgfnfO{ k|bfg

ul/Psf] shf{sf] xsdf kl/of]hgfn] Jofj;flos

pTkfbg z''? u/] kZrft @ cfly{s jif{sf] ljQLo

ljj/0fsf] cfwf/df dfq of] Joj:yf nfu" x'g]5 .

8= O=k|f=lgb]{zg g+= != shf{ ;fk6sf] juL{s/0f != shf{ ;fk6sf] juL{s/0f

3


@÷)&% sf] a'Fbf g+= !

sf] pka'Fbf -s_ sf]

v08 -@_ sf] gofF v08

-C_ yk

xfn gePsf]

-C_ shf{ :jk'FhL cg'kft (Debt to Equity Ratio) *)M@)

eGbf a9L x'g] u/L k|jfx ePsf shf{x? . t/, xfn o:tf]

cg'kft kfngf gePsf shf{x?sf] xsdf @)&&

c;f/d;fGt;Dd o; Joj:yf adf]lhd ;"Id lgu/fgL

shf{df juL{s/0f ug{ clgjfo{ x'g] 5}g .

9= O=k|f=lgb]{zg g+= @÷)&%

sf] a'Fbf g+= # df sf]

v08 -5_ df ;+zf]wg

#= v/fa shf{ ;DaGwL yk Joj:yf

-5_ shf{ ;"rgf s]Gb|sf] sfnf];"rLdf sfod /x]sf

C0fLnfO{ shf{ k|bfg u/]sf] cj:yfdf


-5_ shf{ ;"rgf s]Gb|sf] sfnf];"rLdf sfod /x]sf

C0fLnfO{ gofF jf yk shf{ k|bfg u/]sf] cj:yfdf

.

10= O=k|f=lgb]{zg g+= @÷)&%

sf] a'Fbf g+= # df gofF

v08 -9_ yk


xfn gePsf]


-9_ a}+s tyf ljQLo ;+:yfaf6 shf{ lnO{ ;Da4 JolQm

jf ;+:yfnfO{ shf{÷;fk6 k|bfg u/]df .

11= O=k|f=lgb]{zg g+= @÷)&%

sf] a'Fbf g+= $ sf]

pka'Fbf g+= -@_ df

;+zf]wg

$= cfjlBs shf{ ;DaGwL yk Joj:yf

hnljB't kl/of]hgf, ljB't k|;f/0f nfOg-Transmission Line / s]jnsf/ lgdf{0f kl/of]hgf

shf{sf] xsdfs'g} ls:tfn] () lbgeGbf a9Ln] efvf

gf3]df To:tf] ls:tf /sdnfO{ v/fj ju{df juL{s/0f

u/L ls:tfsf] ztk|ltzt shf{ gf]S;fgL Joj:yf sfod

ug'{ kg]{5 .

$= cfjlBs shf{ ;DaGwL yk Joj:yf

hnljB't kl/of]hgf, ljB't k|;f/0f nfOg-Transmission Line, s]jnsf/ lgdf{0f kl/of]hgf /

gjLs/0fLo phf{ kl/of]hgfsf] xsdf s'g} ls:tfn] ()

lbgeGbf a9Ln] efvf gf3]df To:tf] ls:tf /sdnfO{

v/fj ju{df juL{s/0f u/L ls:tfsf] ztk|ltzt shf{

gf]S;fgL Joj:yf sfod ug'{ kg]{5 .

12= O=k|f=lgb]{zg g+= @÷)&%

sf] a'Fbf g+=( sf] pka'Fbf

g+= -$_ df ;+zf]wg

(= shf{ gf]S;fgL jfkt sfod ug'{ kg]{ Joj:yf

-$_ a}+s tyf ljQLo ;+:yfx?n] z'? ;]o/ lgisfzg -

Initial Public Offering - IPO_ x'Fbfsf] cj:yfdf

;]o/ vl/bsf nflu a'emfOg] cfj]bgsf] cw{s§Lsf]

;'/If0fdf o; lgb]{zgsf] a'Fbf g+= !% df ePsf]

Joj:yf ljk/Lt s'g} lsl;dsf] shf{ k|jfx ug{

kfOg] 5}g . To:tf] shf{ k|jfx u/]sf] xsdf

;DalGwt a}+s tyf ljQLo ;+:yfn] zt k|ltzt

shf{ gf]S;fgL Joj:yf sfod ug'{ kg]{5 .

(= shf{ gf]S;fgL jfkt sfod ug'{ kg]{ Joj:yf

-$_ a}+s tyf ljQLo ;+:yfx?n] z'? ;]o/ lgisfzg -

Initial Public Offering - IPO_ x'Fbfsf] cj:yfdf

;]o/ vl/bsf nflu a'emfOg] ljj/0f÷cfj]bgsf]

cw{s§Lsf] ;'/If0fdf o; lgb]{zgsf] a'Fbf g+= !% df

ePsf] Joj:yf ljk/Lt k|jfx u/]sf] shf{df zt

k|ltzt shf{ gf]S;fgL Joj:yf sfod ug'{ kg]{5 .

4


13= O=k|f=lgb]{zg g+= @÷)&%

sf] a'Fbf g+= !# df

;+zf]wg

!#=ljQLo hdfgtsf] cfwf/df shf{ lbg tyf lgIf]k

:jLsf/ ug{ gkfpg] ;DaGwL Joj:yf

:jb]zdf :yfkgf eO{ ;~rfngdf /x]sf a}+s tyf

ljQLo ;+:yfx?n] hf/L u/]sf] ljQLo hdfgt

(Financial Guarantee) sf cfwf/df s'g} klg a}+s

tyf ljQLo ;+:yfx?n] shf{ / ;'ljwf lbg tyf lgIf]k

:jLsf/ ug{ kfpg] 5}g .

!#=ljQLo hdfgtsf] cfwf/df shf{ lbg tyf lgIf]k

:jLsf/ ug{ gkfpg] ;DaGwL Joj:yf

:jb]zdf :yfkgf eO{ ;~rfngdf /x]sf a}+s tyf ljQLo

;+:yfx?n] hf/L u/]sf] ljQLo hdfgt (Financial

Guarantee) sf cfwf/df s'g} klg a}+s tyf ljQLo

;+:yfx?n] shf{ / ;'ljwf lbg tyf lgIf]k :jLsf/ ug{

kfpg] 5}g . t/, ævÆ tyf æuÆ ju{sf ljQLo ;+:yfsf]

hdfgtdf jfl0fHo a}+sn] hdfgt tyf k|ltt kq hf/L

ug{ afwf kg]{ 5}g .

14= O=k|f=lgb]{zg g+= @÷)&%

sf] a'Fbf g+= !$ sf]

pka'Fbf g+= $ nfO{ vf/]h

u/L ;f]xL Joj:yf O=k|f=

lgb]{zg g+= !^÷)&% sf]

a'Fbf g+= # df goFf

pka'Fbf g+= -&_ df

;+zf]wg

#= lgIf]k ;+sng tyf e'QmfgL ;DaGwL lgod tyf

k|lqmof agfO{ nfu" ug'{ kg]{

$= Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] s'g} klg

JolQm, kmd{, sDkgL / cGo ;+ul7t ;+3 ;+:yfx?af6

s'g} klg k|sf/sf] lgIf]k :jLsf/ ubf{ To:tf] lgIf]kdf

lbOg] c+lst Aofhb/ -Coupon Rate_ afx]s cGo s'g}

klg k|sf/sf] z'Ns÷sld;g jf o:t} cGo zLif{saf6

a}+s tyf ljQLo ;+:yfnfO{ Jooef/ kg]{ s'g} k|sf/sf]

cfly{s ;'ljwf lbg kfOg] 5}g .

#= lgIf]k ;+sng tyf e'QmfgL ;DaGwL lgod tyf

k|lqmof agfO{ nfu" ug'{ kg]{

&= Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] s'g} klg

JolQm, kmd{, sDkgL / cGo ;+ul7t ;+3 ;+:yfx?af6

s'g} klg k|sf/sf] lgIf]k :jLsf/ ubf{ To:tf] lgIf]kdf

lbOg] c+lst Aofhb/ -Coupon Rate_ afx]s cGo s'g} klg

k|sf/sf] z'Ns÷sld;g jf o:t} cGo zLif{saf6 a}+s

tyf ljQLo ;+:yfnfO{ Jooef/ kg]{ s'g} k|sf/sf] cfly{s

;'ljwf lbg kfOg] 5}g .

15= O=k|f=lgb]{zg g+= @÷)&%

sf] a'Fbf g+= !& sf] d"n

lzif{sdf ;+zf]wg

!&= ;+:yfks ;]o/ lwtf]aGws /fvL shf{ k|jfx ug{]

;DaGwdf

!&= a}+s tyf ljQLo ;+:yfsf] ;+:yfks ;]o/ lwtf]aGws

/fvL shf{ k|jfx ug{] ;DaGwdf

16= O=k|f=lgb]{zg=g+= @÷)&%

sf] a'Fbf g+= #) df

;+zf]wg

#)= ;x'lnotk"0f{ shf{ ;DaGwL Joj:yf

æJoj;flos s[lif tyf kz'kG5L shf{df k|bfg ul/g]

Aofh cg'bfg ;DaGwL sfo{ljlw, @)&#Æ -sfo{ljlw @=@

df ;+nUg_ adf]lhd k|jflxt shf{df g]kfn ;/sf/af6

k|bfg ul/Psf] cg'bfg /sd o; a}+sn] pknJw u/fpg]

5 . pQm sfo{ljlw adf]lhd shf{ k|jfx u/L g]kfn

#)= ;x'lnotk"0f{ shf{ ;DaGwL Joj:yf

æ;x'lnotk"0f{ shf{sf nflu Aofh cg'bfg;DaGwL

PsLs[t sfo{l{jlw, @)&%Æ -sfo{ljlw @=@ df ;+nUg_

adf]lhd k|jflxt shf{df g]kfn ;/sf/af6 k|bfg

ul/Psf] cg'bfg /sd o; a}+sn] pknJw u/fpg] 5 .

pQm sfo{ljlw adf]lhd shf{ k|jfx u/L g]kfn

;/sf/af6 kfpg' kg]{ Jofh cg'bfg jfktsf] /sdnfO{

5


;/sf/af6 kfpg' kg]{ Jofh cg'bfg jfktsf] /sdnfO{

kF'hLsf]if cg'kft u0fgf k|of]hgsf nflu ;/sf/

dflysf] bfjL ;/x z"Go k|ltzt hf]lvd ef/ k|bfg ug{

;lsg]5 .

kF'hLsf]if cg'kft u0fgf k|of]hgsf nflu ;/sf/ dflysf]

bfjL ;/x z"Go k|ltzt hf]lvd ef/ k|bfg ug{ ;lsg]5

.

17= O=k|f=lgb]{zg=g+= @÷)&%

sf] a'Fbf g+= #! vf/]h

#!= æe"sDk kLl8tx?sf] 3/ lgdf{0fsf nflu ;fd"lxs

nufgLdf lgAof{hL C0f pknAw u/fpg] sfo{ljlw,

@)&$Æ -sfo{ljlw @=# df ;+nUg_ adf]lhd a}+s tyf

ljQLo ;+:yfx?n] k|jfx u/]sf] shf{sf] Aofh, aLdf

Pjd\ ;'/If0f z'Ns a}+s jf ljQLo ;+:yfjf6 dfu eO{

cfPdf g]kfn ;/sf/n] v8f u/]sf] sf]if vr{ u/L o;

a}+ssf] a}+lsª sfof{non] pknJw u/fpg] 5 .

Vff/]h u/L qmd;+Vof ldnfg ug]{ .

18= O=k|f=lgb]{zg=g+= @÷)&%

sf] a'Fbf g+= #$ df

;+zf]wg

#$=lwtf] km's'jf ;DaGwdf

a}+s tyf ljQLo ;+:yfn] cfkm"n] u/]sf] shf{ nufgL

adf]lhd c;'n pk/ ug'{ kg]{ ;Dk"0f{ /sd c;'n eO{

;s]kl5 ;'/If0f jfkt /flvPsf] lwtf] tTsfn k'ms'jfsf]

nflu ;DalGwt sfof{nodf n]vL k7fpg' kg]{5 .

#$=lwtf] km's'jf ;DaGwdf

a}+s tyf ljQLo ;+:yfn] cfkm"n] u/]sf] shf{ nufgL

adf]lhd c;'n pk/ ug'{ kg]{ ;Dk"0f{ /sd c;'n eO{

;s]kl5 ;'/If0f jfkt /flvPsf] lwtf] % sfo{lbgleq

k'ms'jfsf] nflu ;DalGwt sfof{nodf n]vL k7fpg'

kg]{5 .

19= O=k|f=lgb]{zg g+= @÷)&%

sf] a'Fbf g+= #% sf]

pka'Fbf g+= ! sf] v08 -

u_ df ;+zf]wg

#%=rfn'k'FhL k|s[ltsf shf{ ;DaGwL Joj:yf

-u_ ?=! s/f]8 eGbf sd /sdsf] rfn' k'FhL k|s[ltsf shf{

k|jfx÷gjLs/0f ug'{ cl3 ;d]t cGo Ohfhtkqk|fKt

;+:yfaf6 To:tf] shf{ lnP glnPsf] olsg u/L To:tf] shf{

lnPsf] cj:yfdf shf{ lbg] cGo Ohfhtkqk|fKt ;+:yfaf6

clgjfo{ ?kn] No Objection Letter lnP/ dfq shf{

k|jfx÷gjLs/0f ug{'kg]{5 .

#%=rfn'k'FhL k|s[ltsf shf{ ;DaGwL Joj:yf

-u_ ?=! s/f]8eGbf sd /sdsf] rfn' k'FhL k|s[ltsf shf{

k|jfx÷gjLs/0f ug'{ cl3 ;d]t cGo Ohfhtkqk|fKt

;+:yfaf6 To:tf] shf{ lnP glnPsf] olsg u/L lnPsf] ePdf

shf{ lbg] ;+:yfaf6 clgjfo{ ?kn] No Objection Letter

lnP/ dfq shf{ k|jfx÷gjLs/0f ug{'kg]{5 . ;fy}, No

Objection Letter dfu ul/Psf] ;+:yfn] ;f];+u ;DalGwt

kq k|fKt u/]sf] % sfo{lbgleq pknAw u/fpg' kg]{5 . No

Objection Letter pknAw gu/fpg] ePdf ;f] ;DaGwL

hfgsf/L kq dfu ug]{ ;+:yfnfO{ pk/f]Qm ;dofjlwleq g}

pknAw u/fpg' kg]{ 5 .

20= O=k|f=lgb]{zg g+=@÷)&%

sf] a'Fbf g+= #% sf]

#%= rfn'k'FhL k|s[ltsf shf{ ;DaGwL Joj:yfM

;fy}, Stock sf] lwtf]df shf{ k|jfx ug{] ePdf C0f

#%= rfn'k'FhL k|s[ltsf shf{ ;DaGwL Joj:yfM

;fy}, Stock sf] lwtf]df shf{ k|jfx ug{] ePdf C0f k"0f{

6


pka'Fbf g+= -@_ sf] t];|f]

cg'R5]bdf ;+zfwg

k"0f{ ?kdf ;'/lIft x'g] u/L lwtf]df /x]]sf] ;DklQsf]

aLdf clgjfo{ ?kn] u/fpg' kg]{5 .

?kdf ;'/lIft x'g] u/L lwtf]df /x]]sf] ;DklQsf] aLdf

clgjfo{ ?kn] u/fpg' kg]{5 . t/, aLdf cfjZos

gePsf Stock x? h:t} Iron Rod, Steel Billets,

Bricks, Clinker cflbx?df cfunfuL, x'nb+uf, e"sDk

h:tf hf]lvdsf nflu aLdf ug{ clgjfo{ x'g] 5}g .

21= O=k|f=lgb]{zg g+= @÷)&% sf] a'Fbf g+= #( sf]

k|ltjAwfTds jfSof+zdf

;+zf]wg

#(= shf{sf] ;fFjf tyf Aofh c;'n ug]{ Joj:yf

t/, k'g/;+/rgf / k'g/tflnsLs/0f ul/Psf v/fa

shf{x?sf] ;Gbe{df pko'{Qm Joj:yf nfu' ug{ clgjfo{

x'g] 5}g .

#*= shf{sf] ;fFjf tyf Aofh c;'n ug]{ Joj:yf

t/, k'g/;+/rgf / k'g/tflnsLs/0f ul/Psf / lwtf]

las|L u/L c;'n ug'{kg]{ k|s[ofdf /x]sf v/fa shf{x?sf]

;Gbe{df pko'{Qm Joj:yf nfu' ug{ clgjfo{ x'g] 5}g .

22= O=k|f=lgb]{zg g+=#÷)&%

sf] a'Fbf g+= @ sf] v08 -

3_ df ;+zf]wg

@= hnljB't nufot gjLs/0fLo phf{ kl/of]hgf,

ljB't k|;f/0f nfOg (Transmission Line) /

s]jnsf/ lgdf{0f kl/of]hgfdf shf{ k|jfx ug]{

;DaGwdfM

-3_ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] ljz'4

hnljB't kl/of]hgf, ljB't k|zf/0f nfOg

(Transmission Line) / s]jnsf/ lgdf{0f ;DaGwL

kl/of]hgfx?df nufgL ubf{ dfq ljBdfg @%

k|ltztsf] Psn u|fxs shf{ ;LdfnfO{ j[l4 u/L sf]ifdf

cfwfl/t shf{ tyf u}/ sf]ifdf cfwfl/t ;'ljwf ;d]t

u/L hDdf k|fylds k'FhLsf] a9Ldf %) k|ltzt;Dd

nufgL ;Ldf sfod ul/Psf] 5 . t/, hnljB't

kl/of]hgf, ljB't k|zf/0f nfOg (Transmission

Line) / s]jnsf/ lgdf{0f ;DaGwL kl/of]hgf ;DaGwL

u|fxsn] u}/ hnljB't÷ljB't k|zf/0f nfOg÷s]jnsf/

kl/of]hgfdf klg nufgL ug{ rfx]df %) k|ltztsf]

;Ldf ggf£g] u/L sf]ifdf cfwfl/t shf{ tyf u}/

sf]ifdf cfwfl/t ;'ljwf ;d]t u/L a9Ldf @%

k|ltzt;Dd dfq shf{÷;'ljwf k|jfx ug{ ;lsg] 5 .

-pbfx/0fsf] nflu, M sf]if tyf u}/ sf]ifdf cfwfl/t

@= hnljB't nufot gjLs/0fLo phf{

kl/of]hgf, ljB't k|;f/0f nfOg (Transmission

Line) / s]jnsf/ lgdf{0f kl/of]hgfdf shf{ k|jfx ug]{

;DaGwdfM

-3_ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] ljz'4


(Transmission Line), gjLs/0fLo phf{ kl/of]hgf /

s]jnsf/ lgdf{0f ;DaGwL kl/of]hgfx?df nufgL ubf{

dfq ljBdfg @% k|ltztsf] Psn u|fxs shf{ ;LdfnfO{

j[l4 u/L sf]ifdf cfwfl/t shf{ tyf u}/ sf]ifdf cfwfl/t

;'ljwf ;d]t u/L hDdf k|fylds k'FhLsf] a9Ldf %)

k|ltzt;Dd nufgL ;Ldf sfod ul/Psf] 5 . t/,


(Transmission Line), gjLs/0fLo phf{ kl/of]hgf /

s]jnsf/ lgdf{0f ;DaGwL kl/of]hgf ;DaGwL u|fxsn] u}/

hnljB't÷ljB't k|zf/0f nfOg÷s]jnsf/ kl/of]hgfdf

klg nufgL ug{ rfx]df %) k|ltztsf] ;Ldf ggf£g] u/L

sf]ifdf cfwfl/t shf{ tyf u}/ sf]ifdf cfwfl/t ;'ljwf

;d]t u/L a9Ldf @% k|ltzt;Dd dfq shf{÷;'ljwf

k|jfx ug{ ;lsg] 5 .

7


;'ljwf ;d]t u/L hDdf k|fylds k'FhLsf] %) k|ltzt

ljz'4 hnljB't kl/of]hgf÷ljB't k|;f/0f

nfOg÷s]jnsf/ kl/of]hgfdf nufgL u/]df cGodf

nufgL ug{ kfOg] 5}g . sf]if tyf u}/ sf]ifdf cfwfl/t

;'ljwf ;d]t u/L hDdf k|fylds k'FhLsf] $) k|ltzt

dfq ljz'4 hnljB't kl/of]hgf÷ljB't k|zf/0f

nfOg÷s]jnsf/ kl/of]hgfdf nufgL u/]df cGodf !)

k|ltzt;Dd dfq nufgL ug{ kfOg] 5 . sf]if tyf u}/

sf]ifdf cfwfl/t ;'ljwf ;d]t u/L hDdf k|fylds

k'FhLsf] ! k|ltztb]lv @% k|ltzt dfq ljz'4 hnljB't

kl/of]hgf÷ljB't k|zf/0f nfOg÷s]jnsf/ kl/of]hgfdf

nufgL u/]df cGodf @% k|ltzt;Dd dfq nufgL ug{

kfOg] 5 . _

sy+sbflrt, u}/ hnljB't÷ljB't k|zf/0f nfOg÷

s]jnsf/ kl/of]hgfdf tf]lsPsf] ;Ldf gf3L shf{ k|jfx

u/]df ;Ldf gf3]sf] /sd a/fa/sf] shf{df ztk|ltzt

shf{ gf]S;fgL Joj:yf sfod ug'{ kg]{5 .

-pbfx/0fsf] nflu, M sf]if tyf u}/ sf]ifdf cfwfl/t

;'ljwf ;d]t u/L hDdf k|fylds k'FhLsf] %) k|ltzt

ljz'4 hnljB't kl/of]hgf÷ljB't k|;f/0f

nfOg÷s]jnsf/÷gjLs/0fLo phf{ kl/of]hgfdf nufgL

u/]df cGodf nufgL ug{ kfOg] 5}g . sf]if tyf u}/

sf]ifdf cfwfl/t ;'ljwf ;d]t u/L hDdf k|fylds

k'FhLsf] $) k|ltzt dfq ljz'4 hnljB't

kl/of]hgf÷ljB't k|zf/0f nfOg÷s]jnsf/÷ gjLs/0fLo

phf{ kl/of]hgfdf nufgL u/]df cGodf !) k|ltzt;Dd

dfq nufgL ug{ kfOg] 5 . sf]if tyf u}/ sf]ifdf

cfwfl/t ;'ljwf ;d]t u/L hDdf k|fylds k'FhLsf] !

k|ltztb]lv @% k|ltzt dfq ljz'4 hnljB't

kl/of]hgf÷ljB't k|zf/0f nfOg÷s]jnsf/÷gjLs/0fLo

phf{ kl/of]hgfdf nufgL u/]df cGodf @% k|ltzt;Dd

dfq nufgL ug{ kfOg] 5 . _

sy+sbflrt, u}/ hnljB't÷ljB't k|zf/0f nfOg÷

s]jnsf/÷gjLs/0fLo phf{ kl/of]hgfdf tf]lsPsf] ;Ldf

gf3L shf{ k|jfx u/]df ;Ldf gf3]sf] /sd a/fa/sf]

shf{df ztk|ltzt shf{ gf]S;fgL Joj:yf sfod ug'{

kg]{5 .


#÷)&% sf] a'Fbf g+=# sf]

v08 -s_ sf] bf];|f]

cg'R5]bdf ;+zf]wg

#= shf{ ;fk6 tyf ;'ljwfsf] ;Ldfdf 5'6

;fy}, ;DalGwt a}+s tyf ljQLo ;+:yfaf6 cg'/f]w eO{

cfPdf o; a}+sn] hf/L u/]sf] lgb]{zgdf pNn]v ePsf]

Joj:yf ;d]t sfod /xg] u/L To:tf cGt/f{li6«o

ax'kIfLo ;+:yfn] hf/L ug]{ hdfgt (Guarantee) df

cfwfl/t eO{ a}+s tyf ljQLo ;+:yfx?n] k|bfg ug]{

shf{df k'FhLsf]ifsf] cg'kft u0fgf ug]{ k|of]hgsf nflu

z'Go hf]lvd ef/ (Zero Risk Weight) k|bfg ug{

;lsg] 5 .

#= shf{ ;fk6 tyf ;'ljwfsf] ;Ldfdf 5'6

;fy}, ;DalGwt a}+s tyf ljQLo ;+:yfaf6 cg'/f]w eO{

cfPdf o; a}+sn] hf/L u/]sf] lgb]{zgdf pNn]v ePsf]

Joj:yf ;d]t sfod /xg] u/L To:tf cGt/f{li6«o

ax'kIfLo ;+:yfn] hf/L ug]{ lgzt{M hdfgt

(Guarantee) df cfwfl/t eO{ a}+s tyf ljQLo

;+:yfx?n] k|bfg ug]{ shf{df k'FhLsf]ifsf] cg'kft u0fgf

ug]{ k|of]hgsf nflu z"Go hf]lvd ef/ (Zero Risk

Weight) k|bfg ug{ ;lsg] 5 .

24= O=k|f=lgb]{zg g+= !)= If]qut shf{ ;DaGwL Joj:yf !)= If]qut shf{ ;DaGwL Joj:yf

8


#÷)&% sf] a'Fbf g+= !)

sf] pka'Fbf g++ ^ sf]

v08 -s_ df ;+zf]wg

gu/kflnsf If]qleqsf] 3/÷ejgsf] ;'/If0fdf jf

3/÷ejg lgdf{0fsf nflu shf{ k|jfxubf{ 3/÷ejg

lgdf{0f ;DaGwdf ;DalGwt :yfgLo tx÷sfof{noaf6

hf/L dfkb08x? k"/f u/]÷gu/]sf] olsg u/L gS;fkf;,

cfjZostf cg';f/ cGo lgsfosf] :jLs[lt,

3/÷ejglgdf{0f ;DkGg k|df0fkq nufotsf

sfuhftx? lng] Joj:yfug{' kg]{5 .

gu/kflnsf If]qleqsf] 3/÷ejgsf] ;'/If0fdf jf

3/÷ejg lgdf{0fsf nflu shf{ k|jfxubf{ 3/÷ejg

lgdf{0f ;DaGwdf ;DalGwt :yfgLo tx÷sfof{noaf6

hf/L dfkb08x? k"/f u/]÷gu/]sf] olsg u/L gS;fkf;,

cfjZostf cg';f/ cGo lgsfosf] :jLs[lt, 3/÷ejg

lgdf{0f ;DkGg÷k|df0fLs/0f nufotsf sfuhftx? lng]

Joj:yf ug{' kg]{5 .

25= O=k|f=lgb]{zg g+= $÷)&%

sf] ljQLo ljj/0fsf]

cg';"rL $=@%=@ df gf]6

yk

xfn gePsf] . Note : Name of each shareholder alongwith their

holding percentage who holds 0.5% or more share

shall be disclosed in above format.

9


26= O=k|f=lgb]{zg g+= $÷)&%

sf] ljQLo ljj/0fsf]

cg';"rL $=#& df gofF

cg';"rL $=#&=! yk

xfn gePsf] .

27= O=k|f=lgb]{zg g+= $÷)&%

sf] Interim Financial

Reporting sf] 9fFrfdf

gofF Joj:yf yk

xfn gePsf] . Details about the distributable profit

Net Profit for the period end …… quarter XXXXX

1. Appropriations 1.1 Profit required to be appropriated to: XXXXX

a. General Reserve xxxx

b. Capital Redemption Reserve xxxx

c. Exchange Fluctuation Fund xxxx

d. CSR Fund xxxx

e. Employees Training Fund xxxx

f. Other xxxx

1.2 Profit required to be transfered to

Regulatory Reserve: XXXXX a. Transferred to Regulatory Reserve xxxxx

b. Transferred from Regulatory Reserve (xxxx)

10


Net Profit for the period end ……quarter

available for distribution XXXXX


%÷)&% sf] a'Fbf g+= !@

sf] klxnf] cg'R5]bdf

;+zf]wg

!@= bjfa k/LIf0f ;DaGwL dfu{bz{g

o; a}+saf6 æsÆ ju{sf a}+s / /fli6«o:t/sf ævÆ /

æuÆ ju{sf ;+:yf :jo+n] tf]lsPsf] bjfa k/LIf0f

dfu{bz{g -Stress Testing Guidelines_ adf]lhd

lgoldt ?kdf bjfj k/LIf0f -Stress Testing

Guidelines_ ug]{ Joj:yf sfof{Gjog ug{'÷u/fpg'

kg]{5 . ;f] dfu{bz{g adf]lhd bjfj k/LIf0f ug]{

;Gbe{df lgDg adf]lhdsf] yk Joj:yf ul/Psf] 5 M–

!@= bjfa k/LIf0f ;DaGwL dfu{bz{g

o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yf

:jo+n] tf]lsPsf] bjfa k/LIf0f dfu{bz{g -Stress Testing

Guidelines_ adf]lhd lgoldt ?kdf bjfj k/LIf0f

-Stress Testing_ ug]{ Joj:yf sfof{Gjog ug{'÷u/fpg'

kg]{5 . ;f] dfu{bz{g adf]lhd bjfj k/LIf0f ug]{

;Gbe{df lgDgadf]lhdsf] yk Joj:yf ul/Psf] 5 M–


^÷)&% sf] a'Fbf g+= @

sf] v08 -8_ df ;+zf]wg

@= ;~rfns÷;~rfns ;ldltsf] st{Jo /

pQ/bfloTj

cfˆgf] ;~rfns ;ldltsf] a}7sdf ;~rfns afx]ssf

;b:ox?nfO{ cfdGq0f u/L ;~rfns ;/x a}7s eQf

tyf cGo ;'ljwf k|bfg ug{ kfOg] 5}g . t/, a}+s tyf

ljQLo ;+:yfsf] ;~rfns ;ldltn] cfjZostf dxz';

u/]df vf;vf; ljifodf 7f]; /fo÷ k/fdz{sf nflu

ljQLo :jfy{ gePsf] lj1 JolQmnfO{ ;~rfns ;ldltsf]

a}7sdf cfdGq0f u/L cfjZos /fo÷k/fdz{ k|fKt u/L

;f] jfkt kfl/>lds k|bfg ug{ eg] of] Joj:yfn] afwf

k'¥ofPsf] dflgg] 5}g .

-k|i6Ls/0f M o; k|of]hgsf nflu ;~rfns afx]s

cGo kbflwsf/Ln] ;~rfns ;+of]hs jf ;b:o /xg]

;ldlt÷pk–;ldltdf a}7s eQf lng kfpg] 5}gg\ .

t/, ;lrjfno ;DaGwL sfd ug]{ cGo kbflwsf/LnfO{

;ldltn] tf]ls 5'6\6} eQf lbg ;lsg] 5 ._

@= ;~rfns÷;~rfns ;ldltsf] st{Jo /

pQ/bfloTj

;~rfns ;ldltsf] a}7sdf ;~rfns afx]ssf

;b:ox?nfO{ cfdGq0f u/L ;~rfns ;/x a}7s eQf

tyf cGo ;'ljwf k|bfg ug{ kfOg] 5}g . t/, a}+s tyf

ljQLo ;+:yfsf] ;~rfns ;ldltn] cfjZostf dxz';

u/]df vf; vf; ljifodf /fo÷k/fdz{sf nflu ljQLo

:jfy{ gePsf] ljifo lj1 JolQmnfO{ ;~rfns ;ldltsf]

a}7sdf cfdGq0f u/L cfjZos /fo÷k/fdz{ k|fKt u/L

;f] jfkt kfl/>lds k|bfg ug{, sDkgL ;lrj tyf

;lrjfnosf sd{rf/Lx?nfO{ ;~rfns ;ldltn]

tf]s]adf]lhdsf] vr{ k|bfg ug{ of] Joj:yfn] afwf

k'¥ofPsf] dflgg] 5}g .


^÷)&% sf] a'Fbf g+= %

df pka'Fbf g+= -!&_ df

%=sd{rf/Lx?n] kfngf ug'{ kg]{ cfr/0f ;DaGwL

Joj:yf

%=sd{rf/Lx?n] kfngf ug'{ kg]{ cfr/0f ;DaGwL Joj:yf

Ohfhtkqk|fKt ;+:yfx?n] pTs[i6 sd{rf/L 5gf}6

11


yk xfn gePsf] (Talent-hunt) k|lqmofaf6 sd{rf/L egf{ ug'{ kg]{

cj:yfdf lgikIftf / kf/bzL{tf sfod x'g] u/L cnu}

sfo{ljlw th'{df u/L dfq egf{ ug{] Joj:yf ug'{kg]{ 5 .


^÷)&% sf] a'Fbf g+= ^

sf] klxnf] cg'R5]bdf

;+zf]wg

^= sd{rf/L bIftf clea[l4 ;DaGwdf

Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfn] cfkm\gf

sd{rf/Lx?sf]] bIftf clej[l4sf nflu k|To]s jif{ s'n

sd{rf/L vr{sf] Go"gtd # k|ltzt /sd tflnd tyf

j[lQ ljsf;df vr{ ug'{ kg]{5 . o:tf] vr{ ubf{

lgDgfg';f/sf zt{x? kfngf ug'{ kg]{5 .

sd{rf/L bIftf clea[l4 ;DaGwdf

Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfn] cfˆgf

sd{rf/Lx?sf]] bIftf clej[l4sf nflu k|To]s jif{ ut

cfly{s jif{sf] s'n tnaeQf vr{sf] Go"gtd # k|ltzt

/sd tflnd tyf j[lQ ljsf;df vr{ ug'{ kg]{5 . o:tf]

vr{ ubf{ lgDgfg';f/sf zt{x? kfngf ug'{ kg]{5 .


^÷)&% sf] a'Fbf g+= ^

sf] v08 -s_ df

;+zf]wg

%= sd{rf/Lx?n] kfngf ug'{ kg]{ cfr/0f ;DaGwL

Joj:yf

s_ tflnd tyf j[lt ljsf; vr{sf] u0fgf ubf{ ut

jif{sf] s'n sd{rf/L vr{nfO{ cfwf/ lng' kg]{5 .

%=sd{rf/Lx?n] kfngf ug'{ kg]{ cfr/0f ;DaGwL Joj:yf

Vff/]h ul/Psf] .


^÷)&% sf] a'Fbf g+= &

sf] pka'Fbf g+= ! sf]

v08 -5_ df ;+zf]wg

&= cfGtl/s ;ldlt÷pk–;ldlt ;DaGwL Joj:yf

-5_ ;ldltsf ;b:ox?sf] a}7s eQf ;~rfns

;ldltsf ;b:on] kfpg] a}7s eQf eGbf a9L

gx'g] u/L tf]Sg' kg]{] 5 .

&=cfGtl/s ;ldlt÷pk–;ldlt ;DaGwL Joj:yf

-5_ ;~rfnssf] ;+of]hsTjdf ul7t ;ldlt÷pk–

;ldltsf ;b:ox?sf] a}7s eQf ;~rfns ;ldlt ;/x

/ cGo kbflwsf/Lx?sf] eQf ;~rfnssf] eGbf sd x'g]

u/L ;~rfns ;ldltn] tf]s]adf]lhd x'g]5 .


^÷)&% sf] a'Fbf g+= &

df pka'Fbf g+= -%_ yk

ul/Psf] ;+zf]wg

&= cfGtl/s ;ldlt÷pk–;ldlt ;DaGwL Joj:yf

xfn gePsf] .

-%_ ;DklQ z'4Ls/0f lgjf/0f ;ldlt ;DaGwL Joj:yf

o; a}+ssf] lgb]{zg adf]lhd a}+s tyf ljQLo ;+:yfn]

u}/ sfo{sf/L ;~rfnssf] ;+of]hsTjdf cg'kfngf -

Compliance_ ljefusf ljefuLo k|d'v tyf hf]lvd

Joj:yfkg laefusf ljefuLo k|d'v ;b:o / ;DklQ

z'4Ls/0f -dlg nfpG8l/Ë_ lgjf/0f P]g, @)^$, P]gsf]

bkmf & t adf]lhd lgo'Qm ePsf] sfof{Gjog clwsf/L

;b:o ;lrj /xg] u/L ;DklQ z'4Ls/0f lgjf/0f

;DaGwL ;ldlt u7g ug'{ kg]{5 . ;ldltdf cfjZostf

cg';f/ Ps hgf ;Dd ljz]if1÷;DjlGwt JolQm

12


cfdGq0f ug{ ;lsg] 5 . ;ldltsf] a}7s sDtLdf klg

tLg dlxgfdf Psk6s a:g' kg]{5 .

;ldltsf] sfd st{Jo / pQ/bfloTj

-s_ ;DklQ z'4Ls/0f -dlg nfpG8l/Ë_ lgjf/0f P]g,

@)^$, ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f

lgodfjnL, @)&#, o; a}+saf6 hf/L lgb]{Zfg -

O=k|f=lgb]{zg g+= !(_ adf]lhd eP÷u/]sf sfd

sf/jfxLsf] ;dLIff u/L k|ltj]bg ;~rfns ;ldltdf

k]z ug]{ .

-v_ ;DklQ z'4Ls/0f -dlg nfpG8l/Ë_ lgjf/0f P]g,

@)^$, ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f

lgodfjnL, @)&#, o; a}+saf6 hf/L lgb]{Zfg tyf

Financial Action Task Force (FATF) åf/f

hf/L ePsf] l;kmfl/; (Recommendation)

adf]lhd a}+sn] th'{df tyf sfo{fGjog u/]sf]

cfGtl/s gLlt, sfo{ljlw tyf k|s[ofut kIfx?sf]

kof{Kttf ;DaGwdf 5nkmn u/L cfjZos gLltut

Joj:yf / ;f] sf] sfof{Gjog ug]{ .

-u_ ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf

ljQLo nufgL klxrfg / ;f]sf] lgjf/0fsf nflu

ckgfO{Psf / ckgfpg'kg]{ k|s[ofut kIf tyf ;f]

sfo{df k|of]u x'g] ;"rgf k|ljlw k|0ffnLsf] kof{Kttf

;DaGwL 5nkmn u/L cfjZos ;'wf/sf] nflu

;~rfns ;ldltnfO{ ;'emfj lbg] .

-3_ u|fxs klxrfg ;DaGwL Joj:yfsf] laZn]if0f u/L

pRr kb:y JolQm tyf clGtd lxtflwsf/L nufot

hf]lvd auL{s/0f cg';f/ u|fxs klxrfg / u|fxs

:jLsf/ gLlt (Customer Acceptance Policy)

th'{df tyf k|efjsf/L ?kdf sfof{Gjog ug]{

u/fpg] .

13


-ª_ ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf

ljQLo nufgL ;DaGwL P]g, lgodfjnL, o;

a}+såf/f hf/L lgb]{Zfg, Pjd\ a}+ssf] cfGtl/s gLlt

lgodsf] kl/kfngf tyf sfof{Gjog cj:yfsf]

af/]df q}dfl;s k|ltj]bg ;~rfns ;ldltdf k]z

ug]{ .

-r_ Joj:yfkgaf6 b]xfo adf]lhdsf] k|ltj]bg÷ljj/0f

lnO{ 5nkmn ug]{ / cfjZostf cg';f/ ;~rfns

;ldltnfO{ ;'emfj lbg] .

-!_ AML/CFT sf] hf]lvd Joj:yfkg ;DjGwL

k|ltj]bg .

-@_ u|fxs klxrfgsf] cBfjlws l:ylt, u|fxs

klxrfg k4lt (CDD) sf] ljj/0f, PEPs sf]

ljj/0f / a[xt u|fxs klxrfg k4lt (ECDD)

sf] ljj/0f tyf o;nfO{ l56f], 5l/tf] / ;'rgf

k|ljlwsf] k|of]u dfkm{t yk k|efjsf/L jgfpg

eljiodf cjnDag ug'{kg]{ gLltut, k|s[ofut

/ ;+:yfut ;'wf/sf sfo{x?sf] ljj/0f .

-#_ cfGtl/s n]vfk/LIf0f, afx|o n]vfk/LIf0f / o;

a}+ssf] lg/LIf0f k|ltj]bgdf plNnlvt ;DklQ

z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf ljQLo

nufgL ;DaGwL s}lkmotx? pk/ ;dLIff tyf

;f] ;DaGwdf gLltut Pjd\ k|lqmofut ;'wf/

ug{' kg]{ kIfx?sf] lj:t[t ljj/0f .

-5_ a}+s÷ljQLo ;+:yfn] gofF ;]jf÷;'lawf z'?jft ubf{,

k|ljlw (IT System) vl/b ubf{, jfo/ 6«fG;km/

ubf{, O{–a}lsË÷df]afO{n a}lsË -QR Code ;d]t_,

df]afOn jfn]6 dfkm{t /sd /sdfGt/ ubf{ / cGo

cgnfO{g÷ckmnfOg dfkm{t x'g] sf/f]af/df lglxt

;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf

ljQLo nufgL ;DaGwL hf]lvdsf] ljZn]if0f / ;f]sf]

14


Joj:yfkgsf] nflu gLltut Pj+ k|lqmofut kIfdf

ug'{kg]{ cfjZos ;'wf/x?sf] ;DaGwdf lj:t[t

ljj/0f .

-h_ /fli6«o Pj+ cGt/{fli6«o If]qdf ;DklQ z'4Ls/0f tyf

cft+sjfbL lqmofsnfkdf ljQLo nufgL ;DaGwL

ePsf] ljifox?÷36gfx? / To;af6 a}+s÷ljQLo

;+:yfnfO{ kg{ ;Sg] c;/x?sf] ljZn]if0f u/L

hf]lvd Joj:yfkg ug{ s] s:tf] gLltut Joj:yf

ug'{kg]{ xf] ;f] ;DaGwdf cfjZos ;'emfj ;~rfns

;ldlt ;dIf k]z ug]{ .

-em_ sfof{Gjog clwsf/L, ;+:yfsf] r'Qmf k'FhLsf] b'O{

k|ltzt jf ;f] eGbf j9L ;]o/ :jfldTj ePsf

;]o/wgL, ;~rfns ;ldltsf ;b:ox?, pRr

Jo:yfkgnfO{ / AML/CFT sf] sfo{df k|ToIf tyf

lgoldt ?kdf ;+nUg x'g] sd{rf/Lx?nfO{

AML/CFT ;DaGwL laifodf pko'Qm 1fg

x:tfGt/0f sfo{qmdsf] Joj:yfkg ug]{ .

-`_ ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf

ljQLo nufgL ;DaGwL cfGtl/s gLltut Joj:yf

/ dfu{bz{gsf] lgoldt k'g/fjnf]sg u/L ;f]sf]

kof{Kttfsf ;DaGwdf ;~rfns ;ldltdf ;'emfj

k]z ug]{ .

-6_ AML/CFT k|0ffnLn] k|efjsf/L ?kdf sfd

u/]÷gu/]sf]], hf]lvdsf] plrt tj/n] Joj:yfkg

u/]÷gu/]sf], c:jefljs ultljlwsf] kof{Kt

cg'udg x'g] Joj:yf u/]÷gu/]sf] / cfjZos

k|ltj]bgx? ;DalGwt lgsfodf k]z x'g]

u/]÷gu/]sf] olsg u/L ;f] ljifo ;+rfns

;ldltdf ;d]t 5nkmn x'g] Joj:yf ug]{ .

-7_ ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf

15


ljQLo nufgL lgoGq0f ;DaGwdf ljQLo hfgsf/L

OsfO{ / o; a}+sn] tf]s] adf]lhdsf] dfWodjf6

lgoldt ?kdf ;DalGwt lgsfox?df k]z ug'{kg]{

ljj/0f tyf k|ltj]bgx? tf]lsP adf]lhd k]z

u/]÷gu/]sf] ;DaGwdf ;ldltn] ;DklQ z'4Ls/0f -

dlg nfpG8l/Ë_ lgjf/0f P]g, @)^$ sf] bkmf

$$s df pNn]lvt k|fjwfg k|lts'n gx'g] u/L

5nkmn ug]{ .


^÷)&% sf] a'Fbf g+= *

sf] zLif{s ldnfg

*= cfˆgf ;~rfns, ;+:yfks, k|d'v sfo{sf/L

clws[t, ;]o/wgL, lwtf] d"NofÍgstf{, n]vfk/LIfs,

sfg'gL ;Nnfxsf/, sd{rf/L Pjd\ lgh;Fu ;DalGwt

kmd{nfO{ shf{ k|bfg ug{ aGb]h ;DaGwL Joj:yf M

*= shf{ k|bfg ug{ aGb]h ;DaGwL Joj:yf M


^÷)&% sf] a'Fbf g+= *

sf] v08 -v_ sf]

pkv08 -!_ / -@_ tyf

v08 -u_ / -ª_ df

;+zf]wg


-v_ b]xfosf cj:yfdf Ohfhtkqk|fKt ;+:yfsf

;+:yfks, ;]o/wgL, n]vfk/LIfs, sfg'gL ;Nnfxsf/

tyf sd{rf/LnfO{ shf{ tyf u}/sf]ifdf cfwfl/t

;'ljwf k|bfg ug{ aGb]h ul/Psf] 5 M–

-!_ ;+:yfks jf ;+:yfks ;d"xsf ;]o/wgL jf

r'Qmf k'FhLsf] s'n ;]o/sf] Ps k|ltzteGbf a9L

;]o/ lnPsf ;]o/wgL tyf lghsf kl/jf/sf

;b:o / sd{rf/LnfO{,

-@_ ;+:yfks, Ps k|ltzt jf ;f]eGbf a9L ;]o/

lnPsf JolQm÷kmd{÷sDkgL÷;+:yf, sfo{sf/L

k|d'v, axfnjfnf n]vfk/LIfs, sfg'gL

;Nnfxsf/ tyf sd{rf/L jf To:tf JolQmsf]

kl/jf/sf ;b:o jf ;~rfns dgf]lgt jf

lgo'lQm ug]{ clwsf/ kfPsf kmd{, sDkgL jf

;+:yfnfO{ ,

t/, ljutdf s'n r'Qmf k'FhLsf] Ps k|ltzt

eGbf sd ;]o/ wf/0f u/]sf Ohfhtkqk|fKt


-v_ b]xfosf cj:yfdf Ohfhtkqk|fKt ;+:yfsf

;+:yfks ;d"x, ;]o/wgL, n]vfk/LIfs, sfg'gL

;Nnfxsf/ tyf sd{rf/LnfO{ shf{ tyf u}/sf]ifdf

cfwfl/t ;'ljwf k|bfg ug{ aGb]h ul/Psf] 5 M–

-!_ ;+:yfks ;d"xsf ;]o/wgL jf r'Qmf k'FhLsf] s'n

;]o/sf] Ps k|ltzteGbf a9L ;]o/ lnPsf

;]o/wgL tyf lghsf kl/jf/sf ;b:o /

sd{rf/LnfO{,

-@_ ;+:yfks ;d"xsf ;]o/wgL, Ps k|ltzt jf

;f]eGbf a9L ;]o/ lnPsf

JolQm÷kmd{÷sDkgL÷;+:yf, sfo{sf/L k|d'v,

axfnjfnf n]vfk/LIfs, sfg'gL ;Nnfxsf/ tyf

sd{rf/L jf To:tf JolQmsf] kl/jf/sf ;b:o jf

To:tf JolQmsf ljQLo :jfy{ ePsf kmd{,

sDkgL, ;+:yf jf ;~rfns dgf]lgt jf lgo'lQm

ug]{ clwsf/ kfPsf kmd{, sDkgL jf ;+:yfnfO{ ,

t/, ljutdf s'n r'Qmf k'FhLsf] Ps k|ltzt

16


;+:yfsf ;+:yfks jf ;+:yfks ;d"xsf

;]o/wgLnfO{ k|bfg ePsf] shf{ tyf u}/ sf]ifdf

cfwfl/t ;'ljwfsf] lj:t[t ljj/0f jfli{fs ljQLo

ljj/0fdf v'nfpg' kg]{5 .

-u_ Ohfhtkqk|fKt ;+:yfsf ;+:yfks, ;~rfns,

sfo{sf/L k|d'v / lghsf] kl/jf/sf ;b:ox?sf]

:jfldTjdf /x]sf] ;DklQsf] lwtf]df ;f]xL ;+:yfaf6

lwtf] /fvL shf{ k|jfx ug{ kfOg] 5}g .

t/, Ohfhtkqk|fKt ;+:yfsf] cfˆg} d'2lt lgIf]k

/l;b / zt k|ltzt gub dflh{gdf hdfgt hf/L

ug{ tyf g]kfn ;/sf/ tyf g]kfn /fi6« a}+s

C0fkqsf] lwtf]df shf{ k|bfg ug{ o; v08df

ePsf] s'g} klg Joj:yfn] afwf k'¥ofpg] 5}g .

-ª_ Ohfhtkqk|fKt ;+:yfn] cfˆgf] ;+:yfsf]

;+:yfks÷;~rfns÷sd{rf/L tyf lghsf] Psf3/

kl/jf/sf] ;b:osf] r]s vl/b ug{ kfOg] 5}g .

eGbf sd ;]o/ wf/0f u/]sf Ohfhtkqk|fKt

;+:yfsf ;+:yfks ;d"xsf ;]o/wgLnfO{ k|bfg

ePsf] shf{ tyf u}/ sf]ifdf cfwfl/t ;'ljwfsf]

lj:t[t ljj/0f jfli{fs ljQLo ljj/0fdf v'nfpg'

kg]{5 .

-u_ Ohfhtkqk|fKt ;+:yfsf ;+:yfks ;d"xsf ;]o/wgL,

;~rfns, sfo{sf/L k|d'v / lghsf] kl/jf/sf

;b:ox?sf] :jfldTjdf /x]sf] ;DklQsf] lwtf]df ;f]xL

;+:yfaf6 lwtf] /fvL shf{ k|jfx ug{ kfOg] 5}g .

t/, zt k|ltzt gub dflh{gdf hdfgt hf/L ug{,

Ohfhtkqk|fKt ;+:yfsf] cfˆg} d'2lt /l;b tyf

g]kfn ;/sf/ / g]kfn /fi6« a}+s C0fkqsf] lwtf]df

shf{ k|bfg ug{ o; v08df ePsf] s'g} klg

Joj:yfn] afwf k'¥ofpg] 5}g .

-ª_ Ohfhtkqk|fKt ;+:yfn] cfˆgf] ;+:yfsf] ;+:yfks

;d"xsf ;]o/wgL÷;~rfns÷sd{rf/L tyf lghsf]

Psf3/ kl/jf/sf] ;b:osf] r]s vl/b ug{ kfOg] 5}g

.


^÷)&% sf] a'Fbf g+= !)

/ !& nfO{ PsLs[t u/L

a'Fbf g+= !& vf/]h

!)= :jM3f]if0ff ;DaGwL Joj:yf

-s_ Ohfhtkqk|fKt ;+:yfsf ;~rfnsx?n]

cfˆgf] af/]df o;};fy ;+nUg :j3f]if0ff -Self-

Declaration_ u/]÷u/fPsf] ljj/0f -cg';"rL ^=#_

;lxtsf] hfgsf/L tyf ;DalGwt ;+:yfn] cfˆgf

;~rfnsx?sf] ;DaGwdf tof/ u/]sf] btf{÷nut

lstfasf] 9fFrf -cg';"rL ^=$_ ;lxtsf] ljj/0f

o; a}+sdf k]z ug'{ kg]{5 .

-v_ a}+s tyf ljQLo ;+:yfn] cfˆgf] ;+:yfsf]

;~rfnsn] cfkm" jf cfˆgf] kl/jf/sf

;b:o tyf cfˆgf] jf kl/jf/sf]

:jfldTjdf /x]sf] kmd{÷sDkgLsf] gfddf

!) :jM3f]if0ff tyf ;DklQ ljj/0f ;DaGwL Joj:yf

-s_ Ohfhtkqk|fKt ;+:yfsf ;~rfnsx?n] cfˆgf]

af/]df o;};fy ;+nUg :j3f]if0ff -Self-

Declaration_ u/]÷u/fPsf] ljj/0f -cg';"rL

^=!_ ;lxtsf] hfgsf/L tyf ;DalGwt ;+:yfn]

cfˆgf ;~rfnsx?sf] ;DaGwdf tof/ u/]sf]

btf{÷nut lstfasf] 9fFrf -cg';"rL ^=@_

;lxtsf] ljj/0f o; a}+sdf k]z ug'{ kg]{5 .

-v_ a}+s tyf ljQLo ;+:yfn] cfˆgf] ;+:yfsf]

;~rfnsn] cfkm" jf cfˆgf] kl/jf/sf ;b:o

tyf cfˆgf] jf kl/jf/sf] :jfldTjdf /x]sf]

kmd{÷sDkgLsf] gfddf ljleGg a}+s tyf ljQLo

17


ljleGg a}+s tyf ljQLo ;+:yfx?af6

lnPsf] shf{ ;DaGwL :j3f]if0ff ljj/0f

jflif{s ?kdf cfly{s jif{ ;dfKt ePsf]

ldltn] #% lbgleq ;~rfns ;ldltdf

k]z u/L cBfjlws u/L /fVg' kg]{5 .

!&= ;DklQ ljj/0f tyf :jM3f]if0ff ;DaGwL Joj:yf

;+:yfn] cfˆgf ;~rfns, k|d'v sfo{sf/L clws[t

tyf clws[t :t/sf sd{rf/Lx? / lghsf

kl/jf/sf] gfddf /x]sf] rncrn ;DklQ / a}+s

tyf ljQLo ;+:yfaf6 lnPsf] C0fsf] ljj/0f x/]s

cfly{s jif{ ;dfKt ePsf] #% lbgleq cBfjlws

u/L /fVg'kg]{5 . ;fy}, k|d'v sfo{sf/L clws[t tyf

clws[t :t/sf sd{rf/Lx? lgo'lQm ubf{ o;

lgb]{zgsf] cg';"rL g+= ^=% adf]lhdsf] :jM3f]if0ff

u/L u/fO{ clen]v /fVg' kg]{5 .

;+:yfx?af6 lnPsf] shf{ ;DaGwL :j3f]if0ff

ljj/0f jflif{s ?kdf cfly{s jif{ ;dfKt ePsf]

ldltn] #% lbgleq ;~rfns ;ldltdf k]z u/L

cBfjlws u/L /fVg' kg]{5 .

-u_ ;+:yfn] k|d'v sfo{sf/L clws[t tyf clws[t

:t/sf sd{rf/Lx? lgo'lQm ubf{ o; lgb]{zgsf]

cg';"rL g+= ^=# adf]lhdsf] :jM3f]if0ff u/L u/fO{

clen]v /fVg' kg]{5 .

-3_ ;+:yfn] cfˆgf ;~rfns, k|d'v sfo{sf/L

clws[t tyf clws[t :t/sf sd{rf/Lx? /

lghsf kl/jf/sf] gfddf /x]sf] rncrn ;DklQ

/ a}+s tyf ljQLo ;+:yfaf6 lnPsf] C0fsf]

ljj/0f x/]s cfly{s jif{ ;dfKt ePsf] #%

lbgleq cBfjlws u/L /fVg'kg]{5 .


^÷)&% sf] a'Fbf g+= @)

yk u/L xfnsf] a'Fbf g+=

@) sf] qmd ;+Vof

ldnfg

xfn gePsf] .

@)= Ohfhtkqk|fKt ;+:yfsf k|d'v sfo{sf/L clws[t tyf

;~rfns aLr s'g} lsl;dsf] sf/f]af/ ePdf pQm

sf/f]af/sf] lj:t[t ljj/0f ;lxtsf] hfgsf/L dfl;s ?kdf

dlxgf ;dfKt ePsf] !% lbg leq ;DalGwt ;'kl/j]If0f

ljefunfO{ hfgsf/L u/fpg' kg]{5 .

39= O{=k|f=lgb]{zg g+= *÷)&%

sf] a'Fbf g+= # sf] pka'Fbf

g+= ! sf] bf];|f]

cg'R5]bdf ;+zf]wg

#= ;+ul7t ;+:yfsf] ;]o/, l8j]~r/ tyf cGo

nufgL ;DaGwL Joj:yf

lwtf]kq ljlgdo ahf/df ;"rLs[t eO{g;s]sf]

hnljB't nufot gjLs/0fLo phf{ kl/of]hgf, ljB't

k|;f/0f nfOg / s]jnsf/ lgdf{0f kl/of]hgf ;~rfng

ug{ :yflkt klAns lnld6]8 sDkgLsf] ;]o/ jf

l8j]~r/df nufgL u/]df To:tf] nufgL u/]sf] ldltn] #

jif{leq / cGo ;+ul7t ;+:yfsf] ;]o/ tyf l8j]~r/df

#= ;+ul7t ;+:yfsf] ;]o/, l8j]~r/ tyf cGo nufgL

;DaGwL Joj:yf

lwtf]kq ljlgdo ahf/df ;"rLs[t eO{g;s]sf] ;+ul7t

;+:yfsf] ;]o/ tyf l8j]~r/df nufgL] u/]df nufgL

u/]sf] ldltn] tLg jif{leq pQm ;]o/ tyf l8a]~r/

;"rLs[t gePsf] v08df nufgL eP a/fa/sf] /sd

;l~rt d'gfkmf vr{ u/L nufgL ;dfof]hg sf]ifdf

hDdf ug'{ kg]{5 . To:tf] sf]ifdf /x]sf] /sd pQm ;]o/

18


nufgL] u/]df nufgL u/]sf] ldltn] b'O{ jif{leq pQm

;]o/ tyf l8a]~r/ ;"rLs[t gePsf] v08df nufgL

eP a/fa/sf] /sd ;l~rt d'gfkmf vr{ u/L nufgL

;dfof]hg sf]ifdf hDdf ug'{ kg]{5 . To:tf] sf]ifdf

/x]sf] /sd pQm ;]o/ tyf l8a]~r/ ;"rLs[t geP;Dd

pkof]u ug{ kfOg] 5}g .

tyf l8a]~r/ ;"rLs[t geP;Dd pkof]u ug{ kfOg] 5}g

.

40= O{=k|f=lgb]{zg g+=

!)÷)&% sf] a'Fbf g+= !!

df ;+zf]wg

!!= Ohfhtkqk|fKt ;+:yfsf] ;+:yfks jf ;+:yfks

;d""xsf] ;]o/df ;xsf/L ;++:yfx?af6 nufgL ug]{]{

;DaGwdf

o; a}+saf6 Ohfhtkq k|fKt u/]sf jf Ohfhtkqsf]

nflu gofF lgj]bg k]z x'g] a}+s tyf ljQLo ;+:yfsf]

;+:yfks jf ;+:yfks ;d"xsf] ;]o/df k|rlnt sfg'g

adf]lhd ;+:yflkt ;xsf/L ;+:yfx?n] ;+:yfut ?kdf

nufgL ug{ kfpg] 5}gg\ .

!!= Ohfhtkqk|fKt ;+:yfsf] ;]o/df ;xsf/L

;++:yfx?af6 nufgL ug{ gkfpg] ;DaGwdf

o; a}+saf6 Ohfhtkqk|fKt u/]sf jf Ohfhtkqsf]

nflu gofF lgj]bg k]z x'g] a}+s tyf ljQLo ;+:yfsf]

;]o/df k|rlnt sfg'g adf]lhd ;+:yflkt ;xsf/L

;+:yfx?n] nufgL ug{ kfpg] 5}gg\ .


!@÷)&% sf] a'Fbf g+= #

sf] pka'Fbf g+= -!_ df

;+zf]wg

#= clgjfo{ ?kdf shf{ ;"rgf lng' kg]{

!_ shf{ k|jfx ug{, k'/fgf] shf{ gjLs/0f ug{,

k'g/;+/rgf jf k'g/tflnsLs/0f ug{' cufj}

C0fL÷u|fxssf] af/]df s]Gb|af6 clgjfo{ ?kdf shf{

;"rgf lng' kg]{5 . o;/L shf{ ;"rgf dfu ePdf

s]Gb|n] a9Ldf # -ltg_ sfo{ lbgleqdf To:tf] ;"rgf

lbg' kg]{5 .

t/ ;'grfFbL, d'2lt /l;b / ;/sf/L ;'/If0fkq lwtf]

shf{df eg] of] Joj:yf nfu" x'g] 5}g .

#= clgjfo{ ?kdf shf{ ;"rgf lng' kg]{

!_ shf{ k|jfx ug{, k'/fgf] shf{ gjLs/0f ug{,

k'g/;+/rgf jf k'g/tflnsLs/0f ug{' cufj}

C0fL÷u|fxssf] af/]df s]Gb|af6 clgjfo{ ?kdf shf{

;"rgf lng' kg]{5 . o;/L shf{ ;"rgf dfu ePdf s]Gb|n]

a9Ldf # -ltg_ sfo{ lbgleqdf To:tf] ;"rgf lbg' kg]{5

.

t/ ;'grfFbL, d'2lt /l;b / ;/sf/L ;'/If0fkq lwtf]

shf{ / ?= ! nfv;Ddsf] Credit Card shf{df eg]

o:tf] ;"rgf lng clgjfo{ x'g] 5}g .


!@÷)&% sf] a'Fbf g+= ^

sf] k|ltaGwfTds

Joj:yfdf v08 -3_ yk

^=sfnf];"rLdf ;dfj]z ePsf C0fLnfO{ Ohfhtkqk|fKt

;+:yfaf6 shf{ k|bfg ug{df aGb]h

xfn gePsf] .

^= sfnf];"rLdf ;dfj]z ePsf C0fLnfO{

Ohfhtkqk|fKt ;+:yfaf6 shf{ k|bfg ug{df aGb]h

-3_ shf{sf] ;fFjf / Aofh lgoldt ePsf] cj:yfdf ;f]

19


shf{ gjLs/0f ug{ afwf k'u]sf] dflgg] 5}g .


!@÷)&% sf] a'Fbf g+=

!)=! df v08 -h_ yk

!)=! sfnf];"rLdf ;dfj]z x'g] cj:yfx?

xfn gePsf]

!)=! sfnf];"rLdf ;dfj]z x'g] cj:yfx?

-h_ u}/sf]ifdf cfwfl/t ;'ljwf jf qm]l86 sf8{af6 l;h{gf

ePsf] shf{ (Forced Loan) sf] xsdf shf{ zLif{sdf

n]vf+sg ePsf] () lbg gf3]df .


!@÷)&% sf] a'Fbf g+=

!)=@ sf] v08 -ª_ sf]

klxnf] cg'R5]bdf

;+zf]wg

-ª_ vftfdf df}Hbft ckof{Kt ePdf

s'g} JolQm kmd{, sDkgL jf ;ul7t ;+:yfn] cfˆgf]

vftfdf kof{Kt df}Hbft geO{ hlt;'s} /sdsf] r]s

hf/L u/]df a'Fbf g+= !)=! df h'g;'s} s'/f n]lvPsf]

ePtfklg b]xfo jdf]hd x'g]5 M–

-ª_ vftfdf df}Hbft ckof{Kt ePdf jf unt x:tfIf/

u/]df

s'g} JolQm kmd{, sDkgL jf ;ul7t ;+:yfn] cfˆgf]

vftfdf kof{Kt df}Hbft geO{ hlt;'s} /sdsf] r]s hf/L

u/]df jf r]s lng] JolQmn] r]sdf plNnlvt ljj/0f

;xL ePsf] olsg ug{ ;Sg] cj:yfdf afx]s cGo s'g}

sf/0fn] r]s lkmtf{ ePdf a'Fbf g+= !)=! df h'g;'s} s'/f

n]lvPsf] ePtfklg b]xfo jdf]lhd x'g]5 M–


!@÷)&% sf] a'Fbf g+=

!)=@ sf] v08 -ª_ sf]

pkv08 -!_ df ;+zf]wg


-!_ Psk6s e'QmfgL geOsg lkmtf{ ePsf]

r]ssf] xsdf e'QmfgL kfpg'kg]{ JolQm, kmd{, sDkgL jf

;+:yfn] sDtLdf b'O{ sfo{lbgsf] ;do lbO{ ;DalGwt

a}+s jf ljQLo ;+:yfdf k'gM r]s k]z ug{ ;Sg]5 .


-!_ Psk6s e'QmfgL geOsg lkmtf{ ePsf] r]ssf]

xsdf r]s wf/s JolQm, kmd{, sDkgL jf ;+:yfn]

sDtLdf b'O{ sfo{lbgsf] ;do lbO{ ;DalGwt a}+s jf

ljQLo ;+:yfdf k'gM r]s k]z ug{ ;Sg]5 .


!@÷)&% sf] a'Fbf g+=

!)=@ sf] v08 -ª_ sf]

pkv08 -@_ df ;+zf]wg


-@_ ;f] Dofb kZrft\ klg /sd e'QmfgL gePsf]

v08df /sd e'QmfgL kfpg'kg]{ JolQm, kmd{, sDkgL jf

;+ul7t ;+:yfn] r]ssf] /sd e'QmfgL ug'{kg]{ a}+s jf

ljQLo ;+:yfdf lnlvt ?kdf hfgsf/L lbg ;Sg]5 .


-@_ ;f] Dofb kZrft\ klg /sd e'QmfgL gePsf] v08df

r]s wf/s JolQm, kmd{, sDkgL jf ;+ul7t ;+:yfn]

r]ssf] /sd e'QmfgL ug'{kg]{ a}+s jf ljQLo ;+:yfdf

lnlvt ?kdf hfgsf/L lbg ;Sg]5 . t/, o:tf] lgj]bg

r]s hf/L ePsf] ldltn] ^ dlxgf leq lbO;Sg' kg]{5 .


!@÷)&% sf] a'Fbf g+=

!)=@ df v08 -em_ yk

-em_ r]sdf unt x:tfIf/ u/L r]s e'QmfgL gePdf

xfn gePsf] .


-!_ s'g} JolQm, kmd{, sDkgL jf ;+:yfn] hf/L u/]sf]

r]ssf] x:tfIf/ gldn]sf] v08df a}+sn] ;f] r]s

20


wf/snfO{ r]ssf] x:tfIf/ gldn]sf] Joxf]/f lnlvt

?kdf hfgsf/L u/fpg' kg]{ 5 .

-@_ r]s wf/sn] r]ssf] x:tfIf/ gldn]sf] Joxf]/f r]s

hf/L ug]{ JolQm kmd{, sDkgL jf ;+:yfnfO{

a}+s÷ljQLo ;+:yf dfkm{t hfgsf/L u/fpg' kg]{ 5 .

r]s hf/L ug]{ JolQm kmd{, sDkgL jf ;+:yfn] r]sdf

;xL x:tfIf/ gu/]df jf r]s kl/jt{g gu/]df

wf/sn] klxnf] k6s r]s k]z u/]sf] @ sfo{lbg

kZrft r]ssf] /sd e'QmfgL ug'{kg]{ a}+s jf ljQLo

;+:yfdf lnlvt ?kdf hfgsf/L lbg ;Sg]5 .

-#_ v08 -@_ adf]lhd lnlvt hfgsf/L k|fKt ePkl5

;DalGwt a}+s jf ljQLo ;+:yfn] r]s hf/L ug]{

To:tf JolQm, kmd{, sDkgL jf ;+ul7t ;+:yfnfO{

r]ssf] /sd e'QmfgL ug{ ;fj{hlgs ljbf afx]s

;ft lbgsf] ;"rgf lbg'kg]{5 / ;f] ldltleq klg

/sd e'QmfgL x'g g;s]df -r]s x/fPsf], rf]/L

ePsf] jf cgflws[t ?kdf r]s hf/L ePsf] lnlvt

lgj]bg k|fKt ePsf] cj:yfdf afx]s_ To:Tff] r]s

lvRg] JolQm, kmd{, sDkgL jf ;+ul7t ;+:yfnfO{

pQm r]s hf/L ug]{ a}+s jf ljQLo ;+:yfn] clgjfo{

?kdf sfnf];"rLdf ;"rLs[t ug{ shf{ ;"rgf s]Gb|df

n]vL k7fpg' kg]{5 . ;f] cg';f/ gu/]df a}+s tyf

ljQLo ;+:yfnfO{ o;} lgb]{zg adf]lhd sf/afxL

x'g]5 .


!@÷)&% sf] a'Fbf g+=

!)=@ df v08 -`_ yk


xfn gePsf] .


-`_ v08 -ª_ b]lv v08 -em_ ;Ddsf] Joj:yf g]kfnL

a}+s tyf ljQLo ;+:yfdf vftf eO{ r]s hf/L u/]sf

ljb]zL gful/s ;d]tnfO{ nfu' x'g]5 .


!@÷)&% df gofF a'Fbf

xfn gePsf] . @!= o; a}+ssf] lgb]{zg adf]lhd sfnf] ;"rLdf ;dfj]z

ePsf JolQm, kmd{, sDkgL, ;+:yfn] a}+s tyf ljQLo

21


g+= @! yk u/L qmd

;+Vof ldnfg

;+:yfdf vftf -sn vftf ;d]t_ vf]Ng kfpg] 5}gg\ .

;fy} sfnf] ;"rLdf /x]sf] JolQm, kmd{, sDkgL jf

;+:yfsf] sfod /x]sf] vftfdf /sd hDdf ug{ afx]s

cGo a}lsË sf/f]af/ ug{ kfOg] 5}g .

t/, b}lgs hLjgofkgsf] nflu rflxg] cfwf/e"t

cfjZos vr{sf] k|of]hgsf] nflu g]kfn ;/sf/af6

tf]lsP adf]lhdsf] /sdsf] xb;Dd /sd lgsfNg, g]kfn

;/sf/nfO{ a'emfpg' kg]{ s/, z'Ns, b:t'/ cflb ltg{

tyf a}+s jf ljQLo ;+:yfsf] shf{ glt/L sfnf] ;"rLdf

;dfj]z ePsf JolQm, kmd{, sDkgL jf ;+:yfn] C0f ltg]{

k|of]hgsf] nflu dfq vftf ;~rfng ug{ o; Joj:yfn]

afwf k'u]sf] dflgg] 5}g .


!#÷)&% sf] a'Fbf g+= !

sf] pka'Fbf g+= -%_ df

;+zf]wg

!=clgjfo{ df}Hbft ;DaGwL Joj:yf

clgjfo{ df}Hbftdf gk'u eP hlt /sddf k|rlnt a}+s

b/sf] k|ltztn] b'O{ xKtfsf] lx;fadf hl/jfgf nufOg]5

/ o;/L gk'u eP hltsf] /sdnfO{ a}+s b/sf] k|ltztn]

u'0ff u/L 5Ala;n] efu ul/g] 5 .

!=clgjfo{ df}Hbft ;DaGwL Joj:yf

clgjfo{ df}Hbftdf gk'u eP hlt /sddf k|rlnt a}+s

b/sf] k|ltztn] b'O{ xKtfsf] lx;fadf hl/jfgf nufOg]5

/ o;/L gk'u eP hltsf] /sdnfO{ a}+s b/sf] k|ltztn]

u'0ff u/L 5lAa;n] efu ul/g] 5 . Pp6} cjlw -b'O{

xKtfsf]_ df Go"gtd b}lgs df}Hbft tyf clgjfo{ df}Hbft

b'j}df gk'u ePdf nfUg] hl/jfgfdWo] h'g a9L x'G5 ;f]

dfq nfUg] 5 .


!#÷)&% sf] a'Fbf g+= #

sf] v08 -ª_ df ;+zf]wg

#=j}wflgs t/ntf cg'kft -Statutory Liquidity

Ratio_ ;DaGwL Joj:yf

/fli6«o:t/ afx]ssf ljQLo ;+:yfx?n] dfu]sf jvt

k|fKt x'g] u/L cGo a}+s tyf ljQLo ;+:yfx?df /fv]sf]

/sd,

#=j}wflgs t/ntf cg'kft -Statutory Liquidity


k|fb]lzs :t/sf ljQLo ;+:yfx?n] dfu]sf jvt k|fKt

x'g] u/L cGo a}+s tyf ljQLo ;+:yfx?df /fv]sf] /sd,


!#÷)&% sf] a'Fbf g+= #

df gofF v08 -5_ yk

#= j}wflgs t/ntf cg'kft -Statutory Liquidity


xfn gePsf] .

#= j}wflgs t/ntf cg'kft -Statutory Liquidity


-5_ v'nf ahf/ sf/f]jf/ cGtu{t Ohfhtkqk|fKt

22


;+:yfaf6 o; a}+sn] ;+sng u/]s]f lgIf]k,


!%÷)&% sf] a'Fbf g+= #

sf] pka'Fbf g+= -#_ df

k|ltaGwfTds jfSof+z

yk

#= shf{sf] Aofhb/

-#_ shf{sf] k|sf/ tyf e'QmfgL cjlwsf cfwf/df 5'§f5§}

lk|ldod b/ to u/L q}dfl;s ?kdf shf{ tyf ;fk6sf]

Aofhb/ lgwf{/0f tyf k|sfzg ug{' kg]{5 . Aofhb/ k|sfzg

ubf{ shf{ zLif{s cg';f/ cfwf/ b/df yk ul/g] lk|ldod

b/ :ki6 ?kdf pNn]v ug'{ kg]{5 . k|sflzt lk|ldod b/

kl/jt{g ubf{ cw{jflif{s ?kdf kl/jt{g ug{ ;lsg]5 .

#= shf{sf] Aofhb/

-#_ shf{sf] k|sf/ tyf e'QmfgL cjlwsf cfwf/df 5'§f5§}

lk|ldod b/ to u/L q}dfl;s ?kdf shf{ tyf ;fk6sf]

Aofhb/ lgwf{/0f tyf k|sfzg ug{' kg]{5 . Aofhb/ k|sfzg

ubf{ shf{ zLif{s cg';f/ cfwf/ b/df yk ul/g] lk|ldod b/

:ki6 ?kdf pNn]v ug'{ kg]{5 . k|sflzt lk|ldod b/

kl/jt{g ubf{ cw{jflif{s ?kdf kl/jt{g ug{ ;lsg]5 . t/,

lk|ldod b/ 36fpg' kg]{ ePdf cw{jflif{s eGbf sd

;dofjlwdf klg k|sflzt lk|ldod b/ kl/jt{g ug{ ;lsg]5

.


!%÷)&% cg';"rL !%=!

sf] a'Fbf g+= @=$ df

:ki6Ls/0f yk

:ki6Ls/0f M o; k|of]hgsf nflu s''n ;~rfng vr{

eGgfn] ;+:yfsf] s'n ;~rfng vr{af6 O=k|f=lgb]{zg g+=

$ df tf]lsPsf] ljQLo ljj/0sf] 9fFrfsf] cg';"rL $=#^

df /x]sf] Finance Expense under NFRS / Employees

Bonus 36fO{ sfod /x]sf] s'n ;~rfng vr{nfO{

;Demg' kb{5 . ;fy}, lgIf]k ;+sng;+u k|ToIf ;DalGwt

lgIf]kstf{nfO{ k|bfg ug]{ ;'lawf jfktsf vr{x? h:t}

aLdf vr{, cf}ifwL pkrf/ vr{ cflb s'n ;~rfng

vr{df ;dfj]z ug{ kfOg] 5}g .


!^÷)&% sf] a'Fbf g+= %

sf] pka'Fbf g+= @ / a'Fbf

g+= !! sf] pka'Fbf g+= &

df k|ltaGwfTds jfSof+z

yk

%= l8a]~r/ tyf cGo C0f pks/0fx? hf/L ug{]

;DaGwL Joj:yf

xfn gePsf] .

%= l8a]~r/ tyf cGo C0f pks/0fx? hf/L ug{]

;DaGwL Joj:yf

t/, o; a}+sn] tf]s]sf] Go"gtd r'Qmf k'FhL k'/f ug]{

k|of]hg afx]ssf] cj:yfdf ;+:yfn] s'g} cfly{s jif{df %

k"0f{ cfly{s jif{ eGbf a9L e'QmfgL cjlw afFsL /x]sf]

C0fkq jfkt e'QmfgL sf]ifdf hDdf ug'{ kg{] /sd

a/fa/ af]g; ;]o/ hf/L u/]df ;f] cfly{s jif{df e'QmfgL

sf]if (Capital Redemption Reserve) df /sd hDdf

ug{ clgjfo{ x'g] 5}g . t/, ;f] jif{df hDdf ug'{ kg]{

23


/sd pQm jif{ kZrftsf cfly{s jif{x?df yk u/L

;dfg'kflts cfwf/df clgjfo{ ?kdf pQm sf]ifdf hDdf

ug'{ kg]{ 5 .


!^÷)&% sf] a'Fbf g+= !!

sf] pka'Fbf g+= !@ nfO{

;+zf]wg

!!= ;xfos cfjlws C0fkq tyf e'QmfgL of]Uo

ckl/jt{gLo cu|flwsf/ ;]o/ hf/L ug{ ;Sg]

!@= C0fkq÷e'QmfgLof]Uo ckl/jt{gLo cu|flwsf/ z]o/

e'QmfgL u/]kl5 e'QmfgL ;dfof]hg sf]if -

Redemption Reserve_ df afFsL /x]sf] /sdnfO{

k'FhLsf]if ;dfof]hg sf]ifdf /sdfGt/ ug'{ kg]{ 5 .

!!= ;xfos cfjlws C0fkq tyf e'QmfgL of]Uo

ckl/jt{gLo cu|flwsf/ ;]o/ hf/L ug{ ;Sg]

!@=C0fkq÷e'QmfgLof]Uo ckl/jt{gLo cu|flwsf/ z]o/

e'QmfgL u/]kl5 a'Fbf g+= % sf] pka'Fbf g+= @ / o;

a'Fbfsf] pka'Fbf g+ & adf]lhd sfod u/]sf] e'QmfgL

;dfof]hg sf]if -Capital Redemption Reserve_ df

afFsL /x]sf] /sdnfO{ k'FhLsf]if ;dfof]hg sf]ifdf

/sdfGt/ ug'{ kg]{ 5 . k'FhL ;dfof]hg sf]ifdf hDdf

ePsf] /sdaf6 af]g; ;]o/dfq hf/L ug{ ;lsg] 5 .

57= O{=k|f= lgb]{zg g+=

!&÷)&% sf] d"n

lzif{sdf ;+zf]wg

!&= ljkGg ju{ tyf tf]lsPsf pTkfbgzLn

If]qdfk|jfx ug'{kg]{ shf{ ;DaGwL Joj:yf

!&= ljkGg ju{ tyf k|fyldstfk|fKt If]qdf

k|jfxug'{kg]{ shf{ ;DaGwL Joj:yf

58= O{=k|f= lgb]{zg g+=

!&÷)&% sf] a'Fbf g++ #

sf] v08 -7_ df ;+zf]wg

-7_ rfnsx?nfO{ cfˆg} :jfldTjdf l/S;f, ljB'tLo

l/S;f, c6f] l/S;f vl/b u/L cfkm} ;~rfng

ug]{ k|of]hgsf nflu pQm l/S;fs} lwtf]df k|jfx

ePsf] shf{ .

-7_ rfnsx?nfO{ cfˆg} :jfldTjdf l/S;f, ljB'tLo

l/S;f, c6f] l/S;f, ljB'tLo 6]Dkf] vl/b u/L

cfkm} ;~rfng ug]{ k|of]hgsf nflu pQm

l/S;fs} lwtf]df k|jfx ePsf] shf{ .

59= O{=k|f= lgb]{zg g+=

!&÷)&% a'Fbf g+= !& sf]

:kli6s/0f sf] a'Fbf g+= !

df ;+zf]wg

!&= k|fyldstfk|fKt If]q shf{ ;DaGwL Joj:yf

:ki6Ls/0fM

-!_ …k|fyldstfk|fKt If]qÚ eGgfn] jfl0fHo a}+ssf] nflu

s[lif, hnljB't÷phf{ tyf ko{6g If]qnfO{ hgfp5

eg] ævÆ / æuÆ ju{sf ljQLo ;+:yfsf] xsdf

s[lif, hnljB't÷phf{, ko{6g, lgof{t, ;fgf tyf

demf}nf, cf}ifwL pTkfbg, l;d]G6, ufd]{G6 pBf]unfO{


:ki6Ls/0fM

-!_ …k|fyldstfk|fKt If]qÚ eGgfn] s[lif If]q,

hnljB't÷phf{ If]q, ko{6g If]q / lgof{t pBf]u,

;fgf tyf demf}nf pBf]u, cf}ifwL pTkfbg pBf]u,

l;d]G6 pBf]u Pjd\ ufd]{G6 pBf]unfO{ hgfpg] 5 .

24


hgfpg] 5 .

60= O{=k|f= lgb]{zg g+=

!&÷)&% a'Fbf g+= !& sf]

:ki6Ls/0f sf] a'Fbf g+= #

df ;+zf]wg


-#_ …hnljB't÷phf{ If]qÚ eGgfn] hnljB't, gjLs/0fLo

phf{ ;DaGwL -o; a}+saf6 hf/L g]= /f= a}+s lgb]{zg

kmf=g+= #=! sf] qm=;+= &=! adf]lhdsf]_ If]q tyf

gjLs/0fLo phf{af6 rNg] ;fj{hlgs ;jf/L ;fwgnfO{

;d]t hgfpg] 5 .


-#_ …hnljB't÷phf{ If]qÚ eGgfn] hnljB't, gjLs/0fLo

phf{ ;DaGwL -o; a}+saf6 hf/L g]= /f= a}+s lgb]{zg

kmf=g+= #=! sf] qm=;+= &=! adf]lhdsf]_ If]q tyf

gjLs/0fLo phf{af6 rNg] ;fj{hlgs ;jf/L ;fwg Pjd\

rflh{Ë :6]zgnfO{ ;d]t hgfpg] 5 .

61= O{=k|f= lgb]{zg g+=

!(÷)&% a'Fbf g+= !! df

;+zf]wg

!!= ljB'tLo dfWodaf6 ;"rgf lbg]M Ohfhtkqk|fKt

a}+s tyf ljQLo ;+:yfn] ljQLo hfgsf/L OsfO{df k]z

ug'{kg]{] ;Ldf tyf ;+sfikb sf/f]jf/sf] k|ltj]bg

lgodfjnLsf] lgod !$ adf]lhd b]xfo adf]lhdsf]

ldltb]lv ljB'tLo dfWodaf6 k]z ug'{ kg]{5 .

-s_ æsÆ ju{sf afl0fHo a}+sn] @)&% sflt{s !

ut]b]lv

-v_ ævÆ / æuÆ ju{sf ljQLo ;+:yfx?n] @)&^ ;fpg

! ut]b]lv

!!= ljB'tLo dfWodaf6 ;"rgf lbg]M Ohfhtkqk|fKt a}+s

tyf ljQLo ;+:yfn] ljQLo hfgsf/L OsfO{df k]z ug'{kg]{]

;Ldf tyf z+sfikb sf/f]jf/sf] k|ltj]bg lgodfjnLsf]

lgod !$ adf]lhd ljB'tLo dfWodaf6 k]z ug'{ kg]{5 .

62=

O{=k|f= lgb]{zg g+= !(÷)&%

sf] a'Fbf g+= !* sf] pka'Fbf

g+= -^_ df ;+zf]wg

!*= cfGtl/s lgoGq0f ;DaGwdf M

a}+s tyf ljQLo ;+:yfsf] hf]lvd Joj:yfkg ;ldltn]

sDtLdf tLg dlxgfdf Ps k6s P]g, lgodfjnL / o;

lgb]{zg adf]lhd eP÷u/]sf sfd sf/jfxLsf] k|ltj]bg

;~rfns ;ldltdf k]z ug'{kg]{5 . pQm k|ltj]bg pk/

;~rfns ;ldltn] cfjZos ;dLIff ug'{ kg]{5 .

!*= cfGtl/s lgoGq0f ;DaGwdf M

a}+s tyf ljQLo ;+:yfsf] ;DklQ z'4Ls/0f lgjf/0f ;ldltn]

sDtLdf tLg dlxgfdf Ps k6s P]g, lgodfjnL / o;

lgb]{zg adf]lhd eP÷u/]sf sfd sf/jfxLsf] ;dLIff u/L

k|ltj]bg ;~rfns ;ldltdf k]z ug'{kg]{5 . pQm k|ltj]bg

pk/ ;~rfns ;ldltn] cfjZos ;dLIff ug'{ kg]{5 .

63= O{=k|f= lgb]{zg g+= !(÷)&%

sf] cg';"rL !(=! sf] a'Fbf

g+= -8_ df v08 -&_ / -*_

yk

xfn gePsf] .

-&_ vftf ;~rfnssf] JolQmut ljj/0f

-*_ pkef]Qmf ;ldltsf] u7gsf] p2]Zo adf]lhd dfq vftf

;~rfng ug]{ ;DaGwdf pkef]Qmf ;ldltsf] :j3f]if0ff .

25


64= O{=k|f= lgb]{zg g+= @)÷)&%

sf] a'Fbf g+= ! sf] pka'Fbf

g+= -$_ df ;+zf]wg

!= zfvf/lxt a}+ls+Ë ;]jf -Branchless Banking_

;DaGwdf

-$_ a}+s tyf ljQLo ;+:yfn] cfk"m jf cfk"måf/f lgo'Qm

Jofj;flos cflwsfl/s k|ltlglw-Ph]G6_ dfkm{t ;d]t

zfvf/lxt a}+lsË ;]jf ;~rfng ug{ ;Sg] 5g\ .

Ph]G6dfkm{t To:tf] ;]jf ;~rfng ug]{ ePdf k|ltlglw

5gf}6sf] nflu k|ltlglwsf] ;Ifdtf k/LIf0f u/L låkIfaLr

a'Fbf g+= & sf] cwLgdf /xL ;Demf}tf ePsf] x'g' kg]{ 5 .

!=zfvf/lxt a}+ls+Ë ;]jf -Branchless Banking_

;DaGwdf

-$_ a}+s tyf ljQLo ;+:yfn] cfk"m jf cfk"måf/f lgo'Qm

Jofj;flos cflwsfl/s k|ltlglw-Ph]G6_ dfkm{t ;d]t

zfvf/lxt a}+lsË ;]jf ;~rfng ug{ ;Sg] 5g\ . Ph]G6dfkm{t

To:tf] ;]jf ;~rfng ug]{ ePdf k|ltlglw 5gf}6sf] nflu

k|ltlglwsf] ;Ifdtf k/LIf0f u/L låkIfaLr a'Fbf g+= # sf]

cwLgdf /xL ;Demf}tf ePsf] x'g' kg]{ 5 .

65= O{=k|f= lgb]{zg g+= @)÷)&%

sf] a'Fbf g+= ! sf] pka'Fbf

g+= -^_ df ;+zf]wg

!= zfvf/lxt a}+ls+Ë ;]jf -Branchless Banking_

;DaGwdf

-^_ a}+s tyf ljQLo ;+:yfn] zfvf/lxt a}lsË ;]jf k|bfg

ug'{k"j{ cfˆgf u|fxs;Fu a'Fbf g+= # sf] cwLgdf /xL

;Demf}tf ug'{ kg]{5 .

!=zfvf/lxt a}+ls+Ë ;]jf -Branchless Banking_

;DaGwdf

-^_ a}+s tyf ljQLo ;+:yfn] zfvf/lxt a}lsË ;]jf k|bfg

ug'{k"j{ cfˆgf u|fxs;Fu a'Fbf g+= @ sf] cwLgdf /xL ;Demf}tf

ug'{ kg]{5 .

66= % O{=k|f= lgb]{zg g+=

@!÷)&% df a'Fbf g+= !$

yk u/L xfnsf] qmd

;++Vof ldnfg

xfn gePsf] . -!$_ Ps jif{eGbf a9L e'QmfgL cjlw ePsf cfjlws

shf{sf] xsdf shf{ k|jfx kZrft\ t];|f] kIfnfO{

ltg'{kg]{]{ z'Ns afx]s cGo s'g} klg z'Ns lng kfOg]

5}g .

67= O{=k|f= lgb]{zg g+=

@@÷)&% df a'Fbf g+= $

sf] pka'Fbf g+= & sf]

v08 -u_ df ;+zf]wg

&= shf{ ckn]vg ;DaGwL ljlgod agfpFbf cjnDag

ug'{ kg]{ dfu{bz{g ;DaGwdf

-u_ PseGbf a9L k|b]zdf ;d]t zfvf sfof{no vf]nL

;~rfngdf /x]sf ljQLo ;+:yfx?n] @)&& c;f/leq

pQm zfvf ljqmL, aGb jf :yfgfGt/0f u/L cfˆgf]

;Dk"0f{ sfo{If]q Pp6} k|b]zleq ;Lldt u/L ;Sg'

kg]{5 .

&= shf{ ckn]vg ;DaGwL ljlgod agfpFbf cjnDag

ug'{ kg]{ dfu{bz{g ;DaGwdf

-u_ PseGbf a9L k|b]zdf ;d]t zfvf sfof{no vf]nL

;~rfngdf /x]sf ljQLo ;+:yfx?n] @)&&

c;f/leq pQm zfvf ljqmL, aGb jf :yfgfGt/0f

u/L cfˆgf] ;Dk"0f{ sfo{If]q Pp6} k|b]zleq ;Lldt

u/L ;Sg' kg]{5 . t/, Ps cfk;df ufEg]÷ufleg] jf

k|flKt k|lqmofdf ;+nUg eO{ @)&& c;f/ d;fGtleq

PsLs[t sf/f]af/ ;+rfng ug]{ ;+:yfsf] xsdf o:tf]

;dofjlw @)&* c;f/d;fGt sfod ul/Psf]5 .

68= % O{=k|f= lgb]{zg g+=

@@÷)&% df a'Fbf g+= @$

sf] pka'Fbf g+= ! sf]

v08 -s_ sf]

@$= r]s lSnol/Ë tyf e'QmfgL ;DaGwL Joj:yfM

:ki6Ls/0f M

o; k|of]hgsf nflu k|fyldstfk|fKt k"jf{wf/ cfof]hgfx?

@$=r]s lSnol/Ë tyf e'QmfgL ;DaGwL Joj:yfM

:ki6Ls/0f M

o; k|of]hgsf nflu k|fyldstfk|fKt k"jf{wf/ cfof]hgfx?

26


:ki6Ls/0fdf ;+zf]wg h:t} hnljB't, ;8s, ;~rf/ h:tf If]qx?df sd{rf/L

tyf >ldsx?sf] kfl/>lds÷Hofnf e'QmfgL ug{, g]kfn

;/sf/sf ljleGg lgsfo tyf ljleGg cfof]hgfx?df

cfjZos dfn;fdfgx?sf] cfk"lt{ ug{, g]kfn ;/sf/nfO{

j'emfpg' kg]{ /fh:j e'QmfgL ug{, sfg'gL sf/jfxLsf]

l;nl;nfdf ljuf]÷w/f}6L÷hdfgt /sd hDdf ug{, k]G;g

SofDk dfkm{t k]G;g ljt/0f ug{, g]kfn ;/sf/n] ljt/0f

ug]{ /fxt, cg'bfg jf ;xfotf ljt/0f ug{, ljk|]if0f

sDkgL÷Ph]G6x?n] ljk|]if0f k|fKt ug]{ JolQmx?nfO{ /sd

e'QmfgL ug{ lgj]bg lnO{ pNn]lvt ;Ldf eGbf a9L gub

e'QmfgL lbg ;lsg]5 . o; cg';f/ e'QmfgL ePsf] /sdsf]

ljj/0f ;DalGwt a}+s tyf ljQLo ;+:yfdf a'emfpg' kg]{5 .

h:t} hnljB't, ;8s, ;~rf/ h:tf If]qx?df sd{rf/L tyf

>ldsx?sf] kfl/>lds÷Hofnf e'QmfgL ug{, g]kfn ;/sf/sf

ljleGg lgsfo tyf ljleGg cfof]hgfx?df cfjZos

dfn;fdfgx?sf] cfk"lt{ ug{, g]kfn ;/sf/nfO{ j'emfpg' kg]{

/fh:j e'QmfgL ug{, sfg'gL sf/jfxLsf] l;nl;nfdf

ljuf]÷w/f}6L÷hdfgt /sd hDdf ug{, k]G;g SofDk dfkm{t

k]G;g ljt/0f ug{, g]kfn ;/sf/n] ljt/0f ug]{ /fxt,

cg'bfg jf ;xfotf ljt/0f ug{, ljk|]if0f sDkgL÷Ph]G6x?n]

ljk|]if0f k|fKt ug]{ JolQmx?nfO{ /sd e'QmfgL ug{, art tyf

C0f ;xsf/L ;+:yfnfO{ cfˆgf ;b:ox?;+usf] b}lgs

sf/f]af/sf] e'QmfgL ug{ lgj]bg lnO{ pNn]lvt ;Ldf eGbf

a9L gub e'QmfgL lbg ;lsg]5 . o; cg';f/ e'QmfgL ePsf]

/sdsf] ljj/0f ;DalGwt a}+s tyf ljQLo ;+:yfdf a'emfpg'

kg]{5 .

69= % O{=k|f= lgb]{zg g+=

@@÷)&% df a'Fbf g+=

@( sf] klxnf]

cg'R5]bdf ;+zf]wg

@(= ;fd'lxs nufgL sf]if ;~rfng ug{] ;DaGwdf

a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] bkmf $( sf]

pkbkmf -!_ sf] v08 -o_ sf] k|of]hgsf nflu b]xfosf

zt{x?sf] cwLgdf /xL o; a}+saf6 Ohfhtkqk|fKt ÆsÆ

ju{sf a+}sx?n] ;fd'lxs nufgL sf]if ;~rfng ug{ ;Sg]]]]

5g\ .

@(= ;fd'lxs nufgL sf]if ;~rfng ug{] ;DaGwdf

a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] bkmf $( sf]

pkbkmf -!_ sf] v08 -o_ sf] k|of]hgsf nflu b]xfosf

zt{x?sf] cwLgdf /xL o; a}+saf6 Ohfhtkqk|fKt a+}s tyf

ljQLo ;+:yfx?n] ;fd'lxs nufgL sf]if ;~rfng ug{ ;Sg]]]]

5g\ .

70= O{=k|f= lgb]{zg g+=

@@÷)&% df a'Fbf g+=

#) sf] pka'Fbf g+= ! sf]

v08 -v_ df ;+zf]wg

#)= k'g/shf{ pknAw u/fpg] ;DaGwdf

-v_ ko{6sLo ;Defjgf /x]sf t/ t'ngfTds ?kdf

ljsf; x'g g;s]sf ko{6sLo uGtJo kflye/f, dfOkf]v/L,

led]Zj/, sfln~rf]s, xn];L, nfª6fª, :ju{åf/L, dflyNnf]

d':tfª, u9LdfO{, hgsk'/wfd, /f/f tyf vKt8 If]qdf

;'ljwf ;DkGg :t/Lo xf]6n :yfkgf ug{ k|bfg ul/Psf

c;n shf{sf] ;'/If0fdf jflif{s $ k|ltzt Aofhb/df

k'g/shf{ pknAw u/fOg] 5 .

#)=k'g/shf{ pknAw u/fpg] ;DaGwdf

-v_ ko{6sLo ;Defjgf /x]sf t/ t'ngfTds ?kdf

ljsf; x'g g;s]sf ko{6sLo uGtJo kflye/f, dfOkf]v/L,

led]Zj/, sfln~rf]s, xn];L, nfª6fª, :ju{åf/L, dflyNnf]

d':tfª, u9LdfO{, hgsk'/wfd, /f/f tyf vKt8 If]qdf ;'ljwf

;DkGg :t/Lo xf]6n :yfkgf ug{ k|bfg ul/Psf c;n

shf{sf] ;'/If0fdf jflif{s # k|ltzt Aofhb/df k'g/shf{

pknAw u/fOg] 5 .

71= % e"sDk k|efljt

3/kl/jf/nfO{ cfjf;Lo

3/ k'glg{df0fsf nflu

-^_ a}+s tyf ljQLo ;+:yfn] k|bfg u/]sf] shf{df C0fL;Fu

c;'n pk/ ug'{kg]{ AofhdWo] @ k|ltzt ;DalGwt C0fLjf6

c;'n ug]{ / afFsL Aofh /sd o; a}+sjf6 q}dfl;s ?kdf

-^_ a}+s tyf ljQLo ;+:yfn] k|bfg u/]sf] shf{df C0fL;Fu

c;'n pk/ ug'{kg]{ AofhdWo] @ k|ltzt ;DalGwt C0fLjf6

c;'n ug]{ / afFsL Aofh /sd o; a}+sjf6 q}dfl;s ?kdf

27


k|bfg ul/g] k'g/shf{

sfo{ljlw, @)&@ sf] a'Fbf

g+= ^ df yk

qodf; ;dfKt ePsf] ldltn] !% lbg leq ;+nUg 9fFrf

adf]lhd ;f]wegf{ dfu ug'{ kg]{5 . o;/L dfu ePsf] Aofh

cg'bfg jfktsf] /sd o; a}+sjf6 qodf; ;dfKt ePsf]

ldltn] Ps dlxgf leqdf ;DalGwt a}+s tyf ljQLo

;+:yfsf] vftfdf /sdfGt/ ul/g]5 .

qodf; ;dfKt ePsf] ldltn] !% lbg leq ;+nUg 9fFrf

adf]lhd ;f]wegf{ dfu ug'{ kg]{5 . o;/L dfu ePsf] Aofh

cg'bfg jfktsf] /sd o; a}+sjf6 qodf; ;dfKt ePsf]

ldltn] Ps dlxgf leqdf ;DalGwt a}+s tyf ljQLo

;+:yfsf] vftfdf /sdfGt/ ul/g]5 . ;fy}, o; a}+saf6

;f]wegf{ dfu ug'{ kg]{ /sd ;f]wegf{ k|fKt gePsf]

cj:yfdf ;d]t cfDbfgL n]vfÍg ug{ ;lsg]5 . k"FhLsf]if

u0fgf ug]{ k|of]hgsf nflu ;f] /sdnfO{ g]kfn ;/sf/af6

k|fKt x'g' kg]{ /sd cGtu{t z"Go k|ltzt hf]lvd ef/ k|bfg

ug{ ;lsg] 5 .

Documents

hf/L ul/Psf kl/kqdf ul/Psf ;+zf]wg÷kl/dfh{g÷yk Joj:yf ......Miscellaneous Expenditure not written off 0 6= qmd ;+Vof ! / @ vf/]h u/L kmf/fdsf] qmd ;+Vof ldnfg ul/Psf] . Form No