jflif{s k |ltj ]bg @)&^÷)&&biscol.org.np/wp-content/uploads/2020/11/Annual-Report... · 2020. 11. 20. · ;xsfo{df ;+rfng ul/Psf] 1fgdf cfwfl/t lbuf ] s [lif kl/of ]hgf -ls;fg @

$Page 1: jflif{s k |ltj ]bg @)&^÷)&&biscol.org.np/wp-content/uploads/2020/11/Annual-Report... · 2020. 11. 20. · ;xsfo{df ;+rfng ul/Psf] 1fgdf cfwfl/t lbuf ] s [lif kl/of ]hgf -ls;fg @$
1jflif{s k|ltj]bg @)&^÷)&&

2 jflif{s k|ltj]bg @)&^÷)&&


k=;+= )&&.&* ldlt M @)&&.)&.!&r=g+=^!!

z]o/ ;b:o >L ============================================== Ho"======================================= ;b:o g+= ==================

ljifo M @& cf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g] af/] .dxf]bo, pk/f]Qm ;DaGwdf ldlt @)&& c;f]h @$ ut] a;]sf] ;+:yfsf] ;~rfns ;ldltsf] #&cf}+ a}7ssf] lg0f{o cg';f/ tkl;nsf k|:tfjx? pk/ lj:t[t 5nkmn u/L lg0f{o ug{ lgDg ldlt, ;do / :yfgdf ;+:yfsf] @&cf}+ jflif{s ;fwf/0f ;ef x'g] ePsf]n]] ;Dk"0f{ z]o/ ;b:o dxfg'efjx?nfO{ pkl:yltsf nflu xflb{s cg'/f]w ub{5f}{ .k|:tfjx?M

!_ cf=j= @)&^÷)&& sf] ;+rfns ;ldltsf] tkm{af6 ;lrjsf] jflif{s k|ltj]bg tyf cf=j= @)&&÷&* sf] ;+zf]lwt / cf=j= @)&*.&( sf] k|:tfljt sfo{qmd ;DaGwdf .

@_ cf=j= @)&^÷)&& sf] ;+rfns ;ldltsf] tkm{af6 sf]iffWoIfsf] cfly{s k|ltj]bg tyf rfn' cf=j= @)&&÷&* sf] ;+zf]lwt / cfufdL cf=j= @)&*÷&( sf] k|:tfljt ah]6 tyf sfo{qmd ;DaGwdf .

#_ cf=j= @)&^÷)&& sf] n]vf tyf ;'k/Lj]If0f ;ldltsf] jflif{s k|ltj]bg ;DaGwdf . $_ cf=j= @)&^÷)&& sf] jflif{s n]vf k/LIf0f k|ltj]bg ;DaGwdf .%_ ;+:yf Plss/0f ;DaGwdf .^_ cf=j= @)&&÷)&* sf] jflif{s n]vf k/LIf0f ug{ n]vf k/LIfs lgo'lQm tyf kfl/>lds tf]Sg] ;DaGwdf .&_ ljlgod k'gM n]vg , gLlt lgodfjnL tyf sfo{ljlw ;+zf]wg tyf th{'df ;DaGwdf .*_ ;fwf/0f ;efsf] lg0f{o k|dfl0ft ug{ k|ltlglw 5gf}6 ;DaGwdf .(_ ;b:ox¿af6 k|fKt /fo ;'emfj . ejbLo

/fdz/0f e08f/L ;lrj ;+rfns ;ldltsfo{qmd M ldlt M @)&& d+l;/ !) ut] b]lv @$ ut] ;Dd . ;do M ljxfg !)M#) b]lv lbpF;f] #M)) ah];Dd . :yfg M ;+:yfsf] ;Dk"0f{ ;]jf sfof{no, ;]jf s]Gb|x? / cGo tf]lsPsf :yfgx? .k'gZrM

!_ ;fwf/0f ;efdf efu lng cfpFbf ;b:on] clgjfo{ ;b:o kl/rokq jf ;b:o g+= v'Ng] sfuhft lnO{ cfpg' kg]{5 . cGoyf ;efdf ;xefuL u/fO{g] 5}g . kl/rokq k|fKt gePsf ;b:on] ;DalGwt sfof{nodf ;Dks{ u/L kl/rokq k|fKt ug{ ;Sg'x'g]5 .

@_ s]xL ;'emfj eP ;fwf/0f ;ef cjlw leq lnlvt ?kdf k]z ug'{ kg]{5 . #_ ;fwf/0f ;efdf pkl:yt x'g] ;b:ox?nfO{ k|bfg ul/g] oftfoft tyf vfhf vr{ ?=@)).– -s/ afx]s_ :jf:Yo ;Da]bglzntfnfO{

dWogh/ u/L ;DalGwt ;b:osf] ;fwf/0f art vftfdf hDdf u/L e'QmfgL ug]{ Joj:yf ul/Psf]5 .

/lhi68{ sfof{noM kgf}tL–!), vf]kf;L, sfe|]knf~rf]sskf]{/]6 sfof{noM ag]kf–&, kgf}tL /f]8


;d"x k|fy{gf

xfd|f] cfTdLo laGwjfl;gL ;xsf/L .

axgdf u/]sf 5f}+ xfdLn] lhDd]jf/L ..

lzIff, :jf:Yo, ;/;kmfO{ u5f}{ .

cefj / ul/aL lj?4 n8\5f}+ ..

pHHjn eljiosf] nflu art u5f}{+ .

C0f lnG5f}+ pBf]u u5f}{+, cfTdlge{/ x'G5f}+ ..

Ps cfk;df ldn]/ a:5f}+ .

;fFrf] af]N5f}+ ldx]gt u5f}{+ ..

cGofo / cTofrf/ lj?4 n8\5f}+ .

O{Zj/ ;fIfL /fvL x/avt cufl8 a9\5f}+ ..

ho ;xsf/L, ho laGwjfl;gL .

ho ;xsf/L, ho laGwjfl;gL ..

;fd"lxs k|lta4tf

æxfdL ;b:ox?, dl:tisdf ;dembf/L

sfFwdf lhDd]jf/L, x[bodf OdfGbf/Lsf ;fy

v/fa afgL 5f]8L, c;n afgLsf] ljsf; u5f}{+ .

cfly{s tyf ;fdflhs k|ult ug]{ k|lt1f u5f}{+ .

k|lt1f u5f}{+, k|lt1f u5f}{ .Æ


sf]/f]gf efO/; cyf{t sf]le8 !( sf] dxfdf/Lsf sf/0f cf}krfl/s ?kdf Jojl:yt tj/af6 sfo{qmd ug{ cg's"n jftfj/0f gePsf] cj:yfdf klg lgoldt ?kdf ;DkGg ug'{kg]{ o; ;+:yfsf] @& cf}+ jflif{s ;fwf/0f ;efdf kfNg' ePsf ;~rfns ;ldlt, n]vf tyf ;'kl/j]If0f ;ldlt, ljleGg pk–;ldltsf kbflwsf/L tyf ;b:oHo"x?, sd{rf/L Pj+ ;fwf/0f ;efdf pkl:yt ;Dk"0f{ z]o/ ;b:o dxfg'efjx? ;a}nfO{ laGwjfl;gL art tyf C0f ;xsf/L ;+:yfsf] tkm{af6 xflb{s :jfut Pj+ ;xsf/L clejfbg JoQm ub{5' .

ut jif{sf] clGtd rf}df;lt/ sf]/f]gf efO/; cyf{t sf]le8 !( sf] dxfdf/Ln] ljZj cfqmfGt x'g k'Uof] eg] g]kfn klg c5'tf] /xg ;s]g . dxfdf/Lsf] k|efjn] ;a} If]qnfO{ kG5fP/ s]jn dfgjLo hLjgsf] /Iffsf nflu :jf:Yo ;'/Iff s;/L ug]{ eGg] tkm{ g} Wofg s]Gb|Lt x'g k'Uof] . oxL ljifd kl/l:yltnfO{ b[li6ut u/L g]kfnn] ns8fpg -aGbfaGbL_, ;68fpg nufot ljleGg k|s[of cjnDag u/L dfgjLo hLjgsf] ;'/Iff / ;+/If0ftkm{ nfu]kZrft pBf]u, Jofkf/ Joj;fo, z}lIfs If]q, :jf:Yo If]q nufot ;a} c:tJo:t x'g k'Uof] h;n] ubf{ ;du| ljQLo ;+3 ;+:yfdf 7"nf] k|efj k¥of] / xfn;Dd klg k|efj /lx/x]sf] 5 eg] slxn];Dd ljifd cj:yf /xg] eGg] s'g} lglZrt 5}g .

o; ljifd kl/l:yltdf ;b:ox?sf] rfxgf, cfjZostf / cfsf+IffnfO{ k|ltljlDjt x'g]u/L ;xhtfsf ;fy ;]jf ;'ljwfnfO{ Joj:yfkg / lg/Gt/tf k|bfg ub}{ ;+:yfk|lt ljZjf; Pj+ ckgTjsf] efjgf hfu[t u/L/fVg ;+:yfdf kg]{ hf]lvdsf] klxrfg u/L plrt /0fgLltsf ;fy hf]lvd Joj:yfkg Pj+ Go"gls/0fsf pkfo cjnDjg ug{, sd{rf/L, ;ldlt pk ;ldltnfO{ :jf:Yo ;'/Iffsf ljlw cjnDag u/L pTk|]l/t ug'{ / ;+:yfsf] pknAwL Pj+ ;fvsf] lg/Gt/tf / :yfloTj k|bfg ug{ Toltg} r'gf}tLk"0f{ cj:yf lyof] t/ ;+:yfn] ;+od, w}o{tf Pj+ /0fgLlts of]hgfsf ;fy} ljifd kl/l:yltdf :yfgLo txx?nfO{ /fxt ;xof]u, lhNnf k|zf;g sfof{no dfkm{t ;'/IffsdL{sf nflu :jf:Yo ;'/Iff ;fdfu|L k|bfg, /fli6«o ;xsf/L dxf;+3 dfkm{t g]kfn ;/sf/sf] /fxt sf]ifdf ;xof]u / sfof{nodf ;'/Iff ;fdfu|Lsf] k|aGw u/L ;fdflhs ;~hfn, df]afOn SMS nufot ljleGg dfWodaf6 ;r]tgfd"ns hfgsf/L k|bfg ug]{ h:tf sfo{qmd / ultljlw ;~rfng ub}{ dxfdf/Ldf ;]jf ;~rfng lgb]{lzsf th'{df u/L sfof{noaf6} C0fsf] Jofhdf ;x'lnot / Joj;fo lg/Gt/tf C0fsf] ;d]t Joj:yfkg u/L sfo{ ub}{ cfPsf] cjut u/fpg rfxG5f}+ .

b]zsf] ;jf{lË0f ljsf;sf nflu cfly{s ljsf; ckl/xfo{ 5 . cfly{s ;fdflhs ?kfGt/0f u/L ljsf;sf kfgfx? km}nfpg ;+:yfn] ljleGg /0fgLlts of]hgf Pj+ k|s[of k4lt cjnDag u/] klg pNn]vgLo ;fy{stf Pj+ pknAwL xfl;n x'g g;s]sf] tYo 5n{Ë g} 5 . kl5Nnf] ;do sf]le8 !( sf] dxfdf/Ln] cfly{s, ;fdflhs / ;fF:s[lts nufot l;Ëf] dfgjLo hLjgdf k/]sf] k|efj / c;/nfO{ b[li6ut u/L r'gf}tL / ;d:ofn] g} cj;/ / r]tgf Nofpg] tYonfO{ x[boËd u/L s[lif Joj;fo k|j4{g / ljsf;df hf]8 lbO{ pTkfbg / ljt/0f k|0ffnLdf ;d'lrt k|j4{g u/L cfTdlge{/ Pj+ :jfjnDaL x'g] jftfj/0f lgdf{0f ug]{, pBdlzntfsf] ljsf;, s[lif pBdsf nflu cfjZos dn, ljpljhg pTkfbg / Joj:yfkg ug]{ k|oTg ub}{ cfoft k|lt:yfkg / lgof{t k|j4{g ug{

k|lbk yfkfcWoIf

cWoIfsf] dGtJo


/fHon] 7f]; of]hgf / sfo{qmd th{'df u/L ;xsf/Lsf] dfWodaf6 kl/rfng ug{;s] cfly{s ljsf;sf] ult km}nfO{ ;d[4 g]kfn / ;'vL g]kfnLsf] /fHosf] kl/sNkgf ;fsf/ kfg{ ;xsf/L c:q Pj+ sf]z]9'Ëf x'g;Sg] b'O{dt 5}g . o;tkm{ ;sf/fTds ;f]r / lrGtg u/L /fHosf tLg} txn] 7f]; /0fgLlts of]hgfsf ;fy} ;xsf/L / ;d'bfo d}qL gLlt sfo{qmd / of]hgf sfof{Gjogdf Nofpg] ljZjf; Pj+ ck]Iff ub{5f}+ .

b]zdf ;+3Lotf sfof{Gjog ;+u;+u} k|zf;lgs If]qdf ePsf] kl/jt{g kZrft P]g / lgodfjnLdf ePsf b'ljwfTds a'Fbf, txut ?kdf lgdf{0f ePsf P]g lgodfjnL / lgb]{lzsfn] pTkGg u/]sf b'ljwf Pj+ ;+3Lo, k|fb]lzs tyf :yfgLo ;/sf/n] txut ?kdf th'{df u/]sf P]g kfngf tyf gLltnfO{ Ps;fy clËsf/ u/]/ cufl8 a9\g ;xsf/Lsf nflu r'gf}tL ag]sf] 5 eg] sfg"gL ciki6tfn] lgofds lgsfoaf6 kfpg'kg]{ ;fdfGo ;'ljwfaf6 ;d]t ;xsf/L al~rt x'g k'u]sf] xf] sL eGg] cfefif x'g uPsf] b]lvG5 . o;tkm{ /fHosf] plrt Wofg hfg h?/L 5 eg] ;xsf/Lsf 5ftf ;+3x?n] ;dGjo u/L ;xsf/Ld}qL gLlt th'{df / P]g kl/dfh{g ug{ k|oTg / k|of; ug{ cfu|x ug{ rfxG5f}+ .

u|fld0f If]qdf cfw'lgs k|ljlwd}qL ljQLo kx'Frsf ;fy ul/jL / a]/f]hu/L ;d:ofsf] Go"lgs/0fsf nflu s[lif pTkfbg / pBdlzntf ljsf; nufot ;du| cfly{s / ;fdflhs ljsf; u/L ;d[4 / ;d'Ggt ;dfh lgdf{0f ug]{ k|oTgsf ;fy laGwjfl;gL ufpF ufpFdf ;]jf lnP/ k'uL /x]sf]5 / ef]lnsf lbgdf cem} ;zQm ?kdf of]hgfa4 eP/ k'Ug]5 eg] sf7df08f} pkTosfdf cfw'lgs ;'ljwfo'Qm ;]jf k|bfg ug]{ k|oTgsf ;fy l;h{glzn art tyf C0f ;xsf/L ;+:yf;+u Plss/0f u/L afg]Zj/df ;]jf sfof{no :yfkgf u/L @)&& c;f]h ! ut]af6 ;]jf k|jfx z'? ul/Psf] 5 . cfufdL lbgdf sfe|]knf~rf]s lhNnfsf ;a} :yfgLo tx nufot sf7df08f} pkTosfdf yk ;]jf la:tf/ ub}{ hfg] /0fgLlt ;+:yfn] clËsf/ u/]sf]5 .

ut jif{df k|f/De u/]sf] cfly{s ljsf;sf nflu klxnf] r/0fdf Winrock International ;Fusf] ;xsfo{df ;+rfng ul/Psf] 1fgdf cfwfl/t lbuf] s[lif kl/of]hgf -ls;fg @ sfo{qmd_ nfO{ cfGtl/s ;|f]tsf] yk Joj:yfkg u/L lg/Gt/tf k|bfg ub}{ cfTdlge{/tfsf nflu :jfjnDjg s[lif sfo{qmd, Joj;flos s[lif sfo{qmd / ;fd'lxs s[lif sfo{qmdx?sf] Joj:yfkg u/L s[lif pTkfbgdf k|fljlws ;xof]u pknAw u/fpg], :yfgLo lgsfox?;+u ;dGjo / ;xsfo{ u/L s[lif Joj;fo / ljsf;df 6]jf k'¥ofpg ;]jf ;'ljwf pknAw u/fpg] p2]Zo cg'?k /f]zL ufpFkfnls;+u ;Demf}tf u/L s[lif Joj;fo ug]{ ;b:ox?nfO{ Jofh 5'6 / Aofh cg'bfg k|bfg u/L %=%Ü df s[lif C0f pknAw u/fpFb} cfPsf] / cfufdL lbgdf cGo lgsfox?;+u ;dGjo u/L o:tf sfo{qmdnfO{ lg/Gt/tf k|bfg u/L ;a} If]qdf s[lif ;x'lnot of]hgf sfof{Gjog ug{ k|oTg ul/g]5 . o;sf nflu ;a}sf] ;xof]u / ;b\efj x'g] ljZjf; Pj+ ck]Iff u/]sf 5f}+ .

;+:yfn] cfw'lgs k|ljlw cFufNb} Mobile Apps, ld;sn df]afOn ;]jf, ATM tyf ABBS ;]jf ;~rfng ub}{ cfPsf] 5 eg] cfufdL lbgdf Cash Less Banking ;]jf tyf Credit Card ;'ljwf ;'?jft ug{ k|of; ul/g]5 . ;+:yfsf] xfn;Ddsf] VoftL, ;fv tyf pknAwLnfO{ sfod ub}{ cfufdL lbgdf yk ;zQm ?kdf cl3 a9\g ;dGjo, ;xof]u, ;b\efj / of]ubfgsf nflu ;a} ;ldlt pk ;ldlt, sd{rf/L / z]o/ ;b:o P]Soa4tf ;lxt lqmoflzn x'g'x'g]5 eGg] ljZjf; Pj+ ck]Iff ub{5f}+ .

/fHosf ljleGg P]g sfg"g sfo{ljlw / lgb]{lzsfn] ;a} ;xsf/L PSn} cufl8 a9\g ;d:of, r'gf}tL / cg's"n jftfj/0f gb]lvPsf] cj:yfdf ;/sf/n] clËsf/ u/]sf ;xsf/L ;]jf lj:tf/ / u'0f:t/Lotfdf a[l4


tyf ;+Vof Go"lgs/0f / bf]xf]/f] ;b:otf Pj+ bf]xf]/f] lhDd]jf/Lsf] cGTosf] cleofgnfO{ cfTd;fy ub}{ ;xsf/L Plss/0fsf] cleofgnfO{ lg/Gt/tf k|bfg ub}{ d]3f dh{/ -a[xt Plss/0f_ sf nlfu 5nkmn, ax;, k}/jL / cGtlqm{of cufl8 a9fpg] /0fgLlt cjnDag ul/g] 5 eg] ;d'bfo / ;b:onfO{ lxt x'g]u/L ;xsf/L P]gn] lglb{i6 u/] cg'?k ljlzli6s[t ;xsf/L ;+3 lgdf{0f u/L ;+:yf Joj;flos/0ftkm{ cu|;/ eO{ ;d[l4sf nflu cfjf; ljsf;, s[lif ahf/ k|a4{g nufot ljleGg ultljlw tkm{ ;xsf/Ln] lbzfaf]w ug'{kg]{ ckl/xfo{tfnfO{ b[li6ut u/L To;tkm{ cu|;/ x'g k|oTg ug]{ / ;xsf/Lsf] dd{ / efjgfsf] k"0f{ cg'z/0f u/L ;xsf/L k|a4{g tyf ljsf; sfo{qmdnfO{ ;d]t lg/Gt/tf k|bfg ul/g]5 .

gLlt ljlw / k|ljlwsf] k|of]u u/L $$&^( hgfnfO{ cfw'lgs ;]jf lbO{ /x]sf] o; ;+:yfn] # cj{ !@ s/f]8 #( nfv eGbf al9 sf/f]af/ ug{ ;kmn ePsf]5 . ;xsf/L ljQLo ahf/df lelqg] ;a} k|sf/sf ;]jf tyf k|ljlwnfO{ qmdzM clËsf/ ub}{ cfufdL jif{leq %#^@% ;]jfu|fxL ;b:onfO{ ;]jf k|bfg u/L # ca{ *! s/f]8 ^ nfv $$ xhf/ sf/f]af/ ug]{ nIo lnOPsf] 5 . ;+:yfsf] pQm nIonfO{ b"/b[li6 ;lxt ;do / kl/l:ylt cg'?k sd{rf/L, ;ldlt, pk ;ldlt Pj+ z]o/ ;b:ox?sf] Ifdtf clea[l4 sfo{qmd ;+rfng ug]{, ;+:yfn] xfn;Dd k|fKt u/]sf pknAwL / ;fvsf] lg/Gt/tf / :yfloTj k|bfg ug{ k|oTg ug]{, o'jfx?nfO{ ;xsf/Ldf cfsif{0f u/L :jb]zdf g} Joj;fotkm{ s]Gb|Lt ug{ k|oTg ug]{, pBdlzntf / Joj;fotkm{ nfUg ;d'bfonfO{ pTk|]l/t u/L ;a}sf] cg'xf/df xfF;f] / v';L Nofpg k|oTg ug]{,ag]kfdf Joj;flos ejgsf] lgdf{0f sfo{qmd ;DkGg ug]{ / ;+:yfsf] skf]{/]6 sfof{no / ag]kf ;]jf sfof{nosf] Joj:yfkg ug]{, :yfgLo kflnsfx?;Fusf] ;dGjo / ;fem]bf/Ldf s[lif ahf/ k|a4{g, ;fdflhs bfloTj cGtu{t jftfj/0f ;+/If0f, a[Iff/f]k0f, ofq' k|ltIffno lgdf{0f, :jf:Yo lzlj/ sfo{qmd ;~rfng ug]{, ;xsf/L k|lzIf0f s]Gb| / ;b:onfO{ cTofjZos pkef]Uo a:t'sf] ;j{z'ne ;]jf k|bfg ug{ cfˆg} ejgdf df6{ ;~rfng ug]{ h:tf efjL sfo{qmd / of]hgf ;kmn agfpg ;a}n] cf–cfˆgf] txaf6 ;xof]u, ;b\efj of]ubfg Pj+ e'ldsf lgjf{x x'g]5 eGg] ljZjf; Pj+ ck]Iff ub{5f}+ .

cGTodf ;+:yfsf] ljsf; / k|ultdf ;xof]u, ;b\efj, dfof / :g]x k|bfg ug'{x'g] lgofds lgsfo, ljlzi6 dxfg'efjx?, 5ftf ;+3x?, ;~rf/ hut, ;+3 ;+:yf, ;xsf/L cfGbf]ngsf ;fyLx?, ;+:yf / ;b:osf] ;]jfdf ;dlk{t ;ldlt, pk ;ldltsf ;xsdL{ ;fyLx?, st{Jolgi7 / cg'zfl;t sd{rf/L ju{, ljQLo cg';fzg / OdfGbf/Ltfdf /xL cfˆgf] / ;+:yfsf] lxtdf sl6a4 ;b:o dxfg'efjx?k|lt xflb{s cfef/ Pj+ s[t1tf 1fkg ub}{ sf]/f]gf efO/;sf] dxfdf/Lsf] ;dodf oxfFx?df kg]{ c;/ Pj+ ;+:yfdf kg{;Sg] ;d:of Pj+ r'gf}tLsf] ;fdgf ub}{ ;+:yfnfO{ ;'/lIft Jojl:yt ?kdf kl/rfng ug{ hf]lvdsf] ljZn]if0f u/L hf]lvd Go"lgs/0f ug{ cjnDag ug'{kg]{ /0fgLlt tyf of]hgf th'{df u/L Joj:yfkg, ;ldlt, pk ;lfdltn] ljif]z e"ldsf lgjf{x ug'{kg]{ / cfd ;b:ox?n] cf–cfˆgf] tkm{af6 ;xof]u ;b\efj k|bz{g u/L ;+:yfnfO{ ljifd kl/l:yltdf ;'/lIft Pj+ ;+/If0f k|bfg ug{ ;a}sf] ;fd'lxs lrGtg Pj+ P]Soa4tf eO{ lqmoflzn x'g'kg]{ ckl/xfo{tfnfO{ x[boËd u/L ;a}af6 e"ldsf lgjf{x ug{ cfu|x ub}{ of]ubfg ug'{x'g] ljZjf; Pj+ ck]Iff ub{5f}+ . k'gM sf]/f]gfsf] hf]lvdaf6 cfkm", kl/jf/ Pj+ ;+:yfnfO{ ;d]t ;'/lIft /fvL cf–cfˆgf] e"ldsf lgjf{x ug{ cg'/f]w ug{ rfxG5' . wGojfb Û

ho ;xsf/L Û ho laGwjfl;gL ÛÛ


@& cf}+ jflif{s ;fwf/0f ;efsf ;efklt tyf ;+:yfsf cfb/0fLo cWoIfHo",;+:yfsf cfb/0fLo kbflwsf/L tyf ;b:oHo"x?, n]vf tyf ;'k/Lj]If0f ;ldltsf ;+of]hs tyf ;b:oHo"x?, ljleGg pk;ldltsf kbflwsf/L tyf ;b:oHo"x?, k|d'v Joj:yfksHo" ;lxt ;Dk"0f{ sd{rf/Lju{ Pj+ o; @& cf}+ ;fwf/0f ;efdf pkl:yt x'g] z]o/ ;b:oHo'x? k|lt d ;+rfns ;ldltsf tkm{af6 xflb{s ;xsf/L clejfbg 6qmofpg rfxG5' .

pkl:yt ;Dk'0f{ z]o/ ;b:oHo"x? ;dIf cf=j= @)&^÷)&& sf] k|ult k|ltj]bg, rfn' cf=j=@)&&÷)&* sf] ;+zf]lwt / cfufdL cf=j= @)&*÷&( sf] k|:tfljt sfo{qmd k]z ug{ cg'dlt rfxG5' .

ljZjJofkL ?kdf km}lnPsf] sf]/f]gf -sf]le8–!(_ dfxfdf/Lsf] cj:yfdf o; ;+:yfsf] @& cf}+ jflif{s ;fwf/0f ;ef lglZrt dfkb08 leq /lx ;DkGg ug'{ kg]{ ePsf]n] ;f]xL cg';f/ ;DkGg x'g uO{ /x]sf] @& cf}+ ;fwf/0f ;efdf ;b:oHo"x?df kg{ uPsf] c;xhtf k|lt Ifdfk|fyL{ 5' .

;efklt dxf]bo, ca d cf=j= @)&^÷)&& sf] jflif{s k|ult k|ltj]bg b]xfo adf]lhd /x]sf] Joxf]/f cjut u/fpg rfxfG5' .

!_ ;b:o tyf ;]jfu|fxLsf] ljj/0f s_ z]o/ ;b:o M– #&!!! v_ z}lIfs afn art stf{ M– &^%* hDdf ;]jf u|fxL M– $$&^(

@_ z]o/ art tyf k"FhL ;+sng ljj/0fz]o/ k'FhL M– 325,261,500.00 hu]8f sf]if M– 246357987.02cGo sf]if M– 110649069.07 s'n art M– 2388637813.31afx\o C0f M– 70909090.67 s'n k'FhL M– 3156857922.01C0f nufgL M– 2343454400.01 Aofh c;'nL M– 336953459.98ef=gf C0f M– 12598373.45 p7\g afFsL JofhM– 4414165.98c;'nL b/ M– 99.14 k|ltzt s'n cfo M– 529502224.89s'n Jofo M– 441885720.85 ;+rfng gfkmf M– 87616504.04

;~rfns ;ldtsf ;lrjåf/f k|:t't jflif{s k|ltj]bg cf=j= @)&^÷)&&, cf=j=

@)&&÷)&* sf] ;+zf]lwt / cf=j= @)&*÷)&( sf] k|:tfljt sfo{qmd /fdz/0f e08f/L

;lrj


#_ ;b:otf /fxt ;DaGwdf

o; ;+:yfsf] cf=j== @)&^÷)&& df ;b:o ;'/If0f sfo{ljlw cg'?k :Jff:Yo pkrf/ /fxt $)$ hgf, kfl/jf/Ls /fxt @^* hgf, ;b:o d[To' /fxt &* hgf, b}jL k|sf]k /fxt #* hgf, gjhft lzz' ;]jf !^* hgf / ljGwjfl;gL laz]if pkrf/ !( hgf u/L s'n (&% hgfnfO{ ? ^(,((,##!÷– k|bfg ul/Psf]5 .

;fy} n3' cd[t ljdf sfo{qmd cGtu{t o; cf=j=df ;+:yf dfkm{t ?= !#,*@,^@!.– ljdf z'Ns e'QmfgL ul/Psf]5 eg] * hgf ;b:ox?sf] d[To' eO{ ?= (,*&,))).– ljdf bfjL Ifltk"lt{ /sd ;+:yf dfkm{t k|bfg ul/Psf]5 .

$_ C0f nufgL tyf c;'nL tkm{ cf=j== @)&^÷)&& df s'n C0f nufgL ? 1,87,58,66,135.37 / c;'nL tkm{ ? 1,62,00,81,074.83 u/L nufgLdf /x]sf] /sd ? 23,4,34,54,400.01 ePsf] ;fy} sf]/f]gf dxfdf/Lsf sf/0f b]zg} aGbfaGbLdf /x]sf] x'gfn] ;+:yf;Fu C0f sf/f]af/ ul//x]sf] ;b:ox:sf] lxtnfO{ dWogh/ u/L s"n ?= 1,23,55,166.26 Jofh 5'6 k|bfg ul/Psf] hfgsf/L u/fpg rfxfG5' .

%_ c;n C0fL ;b:ox? tkm{ @)&^÷)&& df @)^ hgf ePsf] hfgsf/L u/fpg rfxfG5' .

;efsf ;efklt dxf]bo Pj+ z]o/ ;b:oHo\'x?, o; ;+:yfsf] @^ cf}+ ;fwf/0f ;efdf b]xfo adf]lhd z]o/ ;b:osf] pkl:ylt ePsf] hfgsf/L u/fpFg rfxG5' .

;fwf/0f ;ef pkl:yltIf]q ;b:o ;+Vof pkl:ytvf]kf;L %*@@ #^#& ag]kf &)($ $*%&kgf}tL &(&* ^%%$9'+vs{ $&$) @(!*kfFrvfn %*#^ #^^@es'08] #$@@# !^%& hDdf M– #$@@# @#@*% hgf -^*=)$k|ltzt_

^_ cf= j= @)&^÷)&& df o; ;:+yfsf] ;+rfns ;ldltsf] a}7s !& k6s j;L ljleGg ljifodf dxTjk"0f{ lg0f{ox?ePsf] hfgsf/L u/fpg rfxG5' .

&_ sd{rf/L Joj:yfkg tkm{ cf=j== @)&^÷)&& cfiff9 d;fGt;Dd b]xfo adf]lhd b/aGbLx? k"lt{ ePsf] hfgsf/L u/fpg rfxG5' .qm=;= tx b/alGb k'lt{ ! ( !@ & &# ^ ^$ % ^

% $ !!^ # $^& >]0fL ljlxg & hDdf *$


;fy} 1fgdf cfwfl/t s[lif sfo{qmd -ls;fg @_ cGtu{t % hgf s[lif k|fljlws sd{rf/L sfo{/t /x]sf] .

*_ sd{rf/L lgo'lQm ;DjGwdfM gofF sd{rf/L lgo'lQm ul/Psf] ;ftf}+ tx ! hgf, t[tLo tx # hgf u/L hDdf $ hgf

/fhLgfdf ;DaGwdfM /flhgfdf l:js[t ! hgf sd{rf/L

(_ ;fdflhs ;'/Iff sf]ifdf ;xefuLtfM @)&^ ;fpgb]lv ;fdflhs ;'/Iff sf]ifdf cfa4 u/fOPsf] / c;f/ ;Dddf *! hgf sd{rf/Lsf] ;xeflutf eO;s]sf] .

!)_ cfGtl/s lg/LIf0f tyf cg'udg sfo{ ;Dkfbg tyf cg'udg pk;ldlt, C0f pk;ldlt, k|d'v Joj:yfks / C0f ljefuaf6;a} ;]jf

sfof{nox?d} pkl:yt eO{ ;DalGwt ;]jf sfof{no Joj:yfkg pk;ldlt, kbflwsf/Lx? ;DalGwt sfof{no Joj:yfks / sd{rf/Lx?sf] 5'§f 5'§} / ;+o'Qma}7s a;L;:yfut ljsf; / r'gf}tL ;fdgf ug{ yk /0fgLlttyf ;'wf/ ;DaGwL lgb]{zg lbPsf] .

cfGtl/s n]vf k/LIfs >L ;fksf]6f P;= P08 P;f]l;P6\;nfO{ lgo'lQm u/L cfGtl/s n]vfk/LIf0f sfo{ ;+rfng ul/Psf] / rfn' cf=j=df klg cfGtl/s n]vfk/LIfs lgo'lQm u/L cfGtl/s n]vf k/LIf0f sfo{nfO{ cem k|efjsf/L agfOg]5 .

!!_ sd{rf/L tyf ;ldlt pk;ldltsf] Ifdtf clea[l4 ;DaGwdf M–ldlt @)&^ c;f]h * ut] ;+:yfsf cWoIf k|lbk yfkfHo" dn]l;ofdf ;DkGg ePsf] cSs' kmf]/ddf

;xefuL x'g'ePsf] .ldlt @)&^ d+l;/ @) b]lv @$ ut] ;Dd sfe|]knf~rf]s lhNnf art tyf C0f ;xsf/L ;+3sf]

cfof]hgfdf ;DkGg ;xsf/L k|lzIfs k|lzIf0f sfo{qmddf lzIff tyf tflnd pk;ldltsf ;b:o >L ;+lutf /fjn s]=;LHo" tyf ;"=k| Joj:yfks ldq k|;fb bfxfnsf] ;xeflutf .

ldlt @)&^ d+l;/ @# b]lv @% ut] ;Dd g]km\:s'gsf] cfof]hgfdf ;DkGg ePsf] kN; ljZn]z0f tflnddf ;]jf sfof{no kgf}tLsf sfof{no Joj:yfks >L b]js >]i7sf] ;xeflutf .

@)&^ kf}if !( b]lv @! ut];Dd sfe|]knf~rf]s lhNnf art tyf C0f ;xsf/L ;+3 ln=ag]kfsf] cfof]hgfdf ;+rflnt # lbg] cfwf/e't n]vf Joj:yfkg tflnddf ;+:yfsf] sfd{rf/Lx? >L zfGtLb]jL uf]R5], >L /~hLt vqL, >L ho/fd sfkm\n], >L lgd{nf kf}8]n >]i7, >L ;'lhtf kx/L / >L cd[t clwsf/Lsf] ;xefuLtf .

@)&^ kf}if @@ ut] sfe|]knf~rf]s lhNnf art tyf C0f ;xsf/L ;+3 ln=ag]kfsf] cfof]hgfdf ;+rflnt ! lbg] x:tfIf/ k|dfl0fs/0f tyf hfnL gf]6 klxrfg tflnddf ;+:yfsf] sfd{rf/Lx? >L ;ljtf e08f/L sf]O/fnf, >L ;Gtf]if ltdlN;gf, >L x]dfnIdL /fO{, >L cf:yfdfof tfdfª, >L d]g'sf l3ld/], >L k'hf e'h]n / >L clegf; s]=;Lsf] ;xefuLtf .

ldlt @)&^ df3 @ b]lv $ ;Dd ;+:yfsf] ;ldlt, pk;ldlt Pj+ ;]jf sfof{no Joj:yfkg pk;ldltsf] ;xeflutfdf # lbg] pb\3f]if0f tyf n]vgsnf tflnd ;+:yfsf] s]Gb|Lo sfof{no xndf ;DkGg h;df @$ hgfsf] ;xeflutf .

@)&^ r}q ^ ut] b]lv * ut];Dd lhNnf art tyf C0f ;xsf/L ;+3 / ;+:yfsf] cfof]hgfdf pRr :tl/o kN;{ ljZn]z0f tflnd ;DkGg . pQm tflnddf ;+:yfsf] tkm{af6 ;'=k|= Joj:yfks ldqk|;fb bfxfn, sfof{no Joj:yfks /fh]Gb| aGhf/f, ;'/h clwsf/L, clgn kx/L, /fdrGb| yfkf / ;xfos sfof{no Joj:yfks ho/fd dfgGw/ ;xefuL .


!@_ ljljw sfo{qmdldlt @)&^ ;fpg !* ut] ;+:yfsf] jflif{s ;ldIff uf]i7L xf]6n pu|r08Ldf ;DkGg .ldlt @)&^ ;fpg @$ ut] ;+:yfsf] /0fgLlts sfo{zfnf uf]i7L ;DkGg .ldlt @)&^ ;fpg #@ ut] PS;]; kmfOgn cl86 sfo{qmd ;DkGg eO{ P]S;]; l;Ne/ a|f08 gljs/0f

x'g ;kmn .ldlt @)&^ ebf} & ut] ;b:o lj:tfl/t e]nf tyf ;d'x ;+of]hs e]nf ;]jf sfof{no vf]kf;L, ag]kf,

kgf}tL, 9'+vs{, kfFrvfn / es'08]df ;DkGg .@)&^ efb| @^ ut] lhNnf ;xsf/L ;+3sf] %@cf}+ :yfkgf lbj; Pj+ #*cf}+ jflif{s ;fwf/0f ;efsf]

cj;/df ;+:yfsf cWoIf >L k|lbk yfkfHo" ;xsf/L cleogtf ;Ddfg k'/:sf/ @)&^ af6 ;Ddflgt x'g' ePsf] .

ldlt @)&^ c;f]h # ut] ;]jf sfof{no kfFrvfn, 9'+vs{ / ag]kf / @)&^ c;f]h $ ut] ;]jf sfof{no vf]kf;L, kgf}tL / es'08]df @^cf}+ jflif{s ;fwf/0f ;ef ;DkGg .

ldlt @)&^ c;f]h & ut] @^cf}+ jflif{s ;fwf/0f ;efsf] lg0f{o n]vg tyf k|dfl0fs/0f sfo{qmd ;DkGg .

ldlt @)&^ d+l;/ @ ut] a]yfgrf]s ufpFkflnsf / ;+:yfsf] ;+o'Qm cfof]hgfdf 3'DtL afnL pkrf/ l;lj/ ;DkGg .

ldlt @)&^ d+l;/ % / ^ ut] ;+rfns ;ldlt, n]vf ;ldlt Pj+ sd{rf/Lsf] ;xeflutfdf k|efjsf/L sfof{no Joj:yfkg tyf ;+rfng ;DjlGw sfo{zfnf uf]i7L xf]6n d]/Luf]N8 gu/sf]6df ;DkGg .

ldlt @)&^ d+l;/ !^ ut] ;]jf sfof{no vf]kf;L, !& ut] 9'+vs{, !* ut] es'08], !( ut] kfFrvfn, @) ut] ag]kf / @! ut] kgf}tLdf ;b:o lj:tfl/t e]nf tyf ;b:o lzIff tflnd ;DkGg .

@)&^ d+l;/ @( ut] PS;]; klxnf] Jofrsf ;+:yfx?sf] ;ldIff a}7s a'8f]n ;fd'bflos ;fsf];df ;DkGg .

@)&^ kf}if !* ut] z'qmaf/sf lbg ljGwjfl;gL ;fsf]; / l;h{glzn art tyf C0f ;xsf/L ;+:yf ln= aLr xf]6n ;Toddf Plss/0f ;DjlGw ;Demf}tf sfo{qmd ;DkGg .

ldlt @)&^ df3 !^ ut] ;]jf sfof{no 9'+vs{ cGtu{t Rofl;+vs{ ;]jf s]Gb| ;'ef/De tyf ;b:o lj:tfl/t e]nf sfo{qmd ;DkGg .

ldlt @)&^ df3 !^ ut] ;]jf sfof{no vf]kf;Lsf] cfof]hgdf ;b:o lj:tfl/t e]nf sfo{no xndf ;DdGg .

ldlt @)&^ df3 !* ut] ;+:yfsf] cw{jflif{s ;ldIff uf]i7L ;DdGg .@)&^ df3 @# ut] e'Dn'sf] ;flkªdf ;b:o lj:tfl/t tyf ;b:o lzIff sfo{qmd ;DkGg .

!#_ ;xsf/L ;b:o lzIff tkm{ M–

;+:yfsf] lzIff pk;ldlt, lzIff tyf k|lzIf0f ljefu / ;DaGwLt ;]jf sfof{no Joj:yfkg pk–;ldltaf6 ;+rflnt ;b:o lzIff lzlj/ !% j6fdf !!@@ hgfsf] ;xeflutf ePsf] ;fy} If]qut k'j{ ;xsf/L lzIff lzlj/ !@@ j6fdf #)*% hgf ;xeflutf ePsf lyP .

!$_ cWoog cjnf]sg tyf lg/LIf0f cg'udg tkm{ M–ldlt @)&^ sflt{s !* ut] ;+:yf Pj+ ls;fg @ kl/of]hgfaf6 ;+rflnt s[lif sfo{qmd tyf kl/of]hgf

sf] USAID af6 cjnf]sg sfo{qmd ;DkGg .


@)&^ kmfNu'0f @@ ut] h]i7 ;b:o lty{ofqf sfo{qmd rfu'gf/fo0f gu/kflnsf l:yt rfu'gf/fo0f dlGb/df ;DkGg .

cf=j= @)&^÷)&& df ljleGg ;+3;+:yfsf $^^ hgf ;xefuLaf6 o; ;+:yfsf] cjnf]sg ul/Psf] lyof] .

!%_ ;Ddfg tyf k'/:sf/ tkm{cf=j= @)&^÷)&& df Access Branding sfo{qmd cGtut{ Silver Brand gljs/0f ug{ ;+:yf ;kmn

ePsf] 5 .

!^_ ;fdflhs sfo{ tkm{ldlt @)&^ df3 !) ut] z'qmaf/sf lbg ;]jf sfof{no es'08]sf] cfof]hgf Pj+ lk|ldo/ 8]G6nsf]

k|fljlws ;xof]udf es'08] sfof{no k|fË0fdf lgz'Ns bGt lzlj/ ;DkGg ePsf] h;df !^% hgf JolQmx?n] ;]jf k|fKt u/]sf] .

@)&^ kmfNu'0f ^ ut] ;+:yfsf] @& cf}+ :yfkgf lbj; sfof{qmd ;DkGg h;df sfe|]sf l;dfgf If]qdf ljGwjfl;gL :jfut af]8{, kgf}tLdf ;+rflnt dfO{tL j[4f>ddf ef}lts ;fdfu|L ;xof]u, t]dfn ufpFkflnsfdf /x]sf] e'd]Zj/ cfwf/e't ljBfnosf !)) hgf ljBfyL{nfO{ :6]zg/L ljt/0fsf ;fy} ;]jf sfof{no Joj:yfkg pk;ldlt kgf}tL tyf sd{rf/L 3ggfy b+ufn ;Ddfg Pj+ gub /sd ;lxt k'/:s[t .

@)&^ kmfNu'0f !) ut] ;]jf sfof{no vf]kf;Lsf] cfof]hgf tyf uf]/vgfy 8]G6nsf] cfof]hgfdf lgz'Ns bGt k/LIf0f lzlj/ ;DkGg .

sf]le8 !( ;xof]u cGtu{t ;+rfns ;ldltsf tLg j6f a}7ssf] a}7s eQf / sd{rf/Lx?sf] tLg lbgsf] tna of]ubfg / ;+:yfsf] ;fdflhs tyf ;fd'bflos sfo{qmdsf] ah]6af6 ;+:yfn] /fli6«o ;xsf/L dxf;+3, lhNnf k|zf;g sfof{no sfe|], g]kfn kqsf/ dxf;+3 sfe|], ag]kf, kgf}tL, kfFrvfn, gdf]a'4, d08gb]pk'/ gu/kflnsf, j]yfgrf]s, e"Dn', /f]zL, t]dfn ufpFkflnsfnfO{ sf]le8 !( /fxt :j?k :jf:Yo ;fdfu|L, vfBGg / gub ;xof]u k|bfg u/]sf] .

!&_ laGwjfl;gL s[lif sfo{qmd .

s[ifs z]o/ ;b:ox?sf] s[lif Joj;foLs/0f ug{ o; ;+:yfn] Winrock International ;+usf] ;xsfo{df ;+rflnt 1fgdf cfwfl/t Plss[t lbuf] s[lif sfo{qmd j]yfGrf]s uf=kf=, /f]zL uf=k=, gdf]a'4 g=kf, kgf}tL g=kf / ag]kf g=kf=df ;+rfngdf /x]sf] 5 . pQm sfo{qmdnfO{ ;kmn kfg{ s[lif sfo{qmd clws[t ! / s[lif k|ljlws ;xfos $ hgf u/L % hgf k|ljlws sd{rf/Lx? sfo{/t 5g pQm sfo{qmd cGtu{t b]xfo adf]lhdsf ultljlw ;+rfng ePsf 5g\ .

;DkGg lqmofsnfkx? M!_ ;d"x u7g M nIo–*), k|ult–*) @_ pGgt Tffhf t/sf/L g;{/L Joj:yfkg tflnd M nIo–!^), k|ult–!^) #_ sfpnL, aGbf afnLdf pGgt Joj:yfkg k|lawL k|bz{gL M nIo–$), k|ult–$! $_ cfO{= lk= Pd k|ljwL k|bz{gL M nIo–#@, k|ult–$$ %_ Plss[t zq'lhj Joj;yfkg ;DalGw tflnd M nIo–$), k|ult–$) ^_ uf]ne]8f v]tLdf Knfli6s dlNrª k|lawL M nIo–#@, k|ult–#&


&_ pGgt tfhf t/sf/L pTkfbg Joj:yfkg tflnd M nIo–$), k|ult–$# *_ tfhf t/sf/L afnL pTkfbg pk/fGt / ahf/Ls/0f ;DaGWfL tflnd M nIo–$), k|ult–$) (_ ;'/lIft laifflw k|of]u k|bz{gL M nIo–$), k|ult–$) !)_ Knfli6s 3/df a}slNks afnLsf] k|bz{gL M nIo–#@, k|ult–!&!!_ nx/] afNfLdf u'df]h lgdf{0f k|bz{gL M nIo–#@, k|ult–@^ !@_ nx/] afNfLdf pGgt Joj:yfkg k|lawL k|bz{gL M nIo–$), k|ult–#@ !#_ df6f] kl/If0f lzjL/ M nIo–@)) j6f :ofDkn, k|ult–@%% j6f :ofDkn !$_ 3'lDt jfnL lzjL/ M nIo–$, k|ult–! !%_ s[ifs lbj; M nIo–%, k|ult–@ !^_ Plu|sNr/ a'n]l6g klAns]zg M nIo–@))) j6f, k|ult–#))) j6f !&_ 6\ofan]6 a}lËu M nIo–& j6f, k|ult–& j6f !*_ lel8of] k|bz{gL M !% j6f ;d"xnfO{ ^* j6f lel8of] b]vfPsf!(_ gfO{ng g]l6Ë M k|ult–!)^@)_ Joj;fos ;fIff/t sIff M !$ j6f ;d"xdf ;+rfng@!_ l;rfO{ s'nf] lgdf{0f M k|ult–@ -a]yfgrf]s_@@_ s[ifs / Jofkf/L ljrsf] ;xsfo{ a}7s M nIo–@, k|ult–!@#_ afnL ljdf ;DaGwL sd{rf/L cled'vLs/0f sfo{qmd M nIo–!, k|ult–!@$_ Tablet Banking ;DaGwL cled'vLs/0f sfo{qmd M nIo–!, k|ult–!

!*_ ;+rfns ;ldltaf6 @^cf}+ jflif{s ;fwf/0f ;ef kZrft eP u/]sf b]xfosf gLlt tyf sfo{ljlw ;+zf]wg tyf gofF gLlt lgod / sfo{ljlw th'{df ul/Psf]nfO{ cg'df]bg ;lxt :jLs[ltsf] nflu k|:tfj k]z ub{5' .!_ ljlgodg @)%) -;+zf]wg ;lxt_ k'g/n]vg@_ C0f nufgL tyf c;'nL lgodfjnL @)%!#_ lwtf] d"Nof+sg sfo{ljlw @)&%$_ ABBS ;]jf ;+rfng sfo{ljlw @)&)%_ cfly{s lgodfjnL @)^%^_ sd{rf/L k|zf;lgs lgodfjnL @)^@ -;+zf]wg_&_ art gLlt @)%!*_ sf]le8 !( dxfdf/Ldf hf]lvd Joj:yfkg tyf ;xsf/L ;]jf ;+rfng sfo{ljlw @)&&(_ er'{cn a}7s ;+rfng sfo{ljlw @)&&!)_ Joj;flos lg/Gt/tf of]hgf @)&&!!_ dxfdf/Ldf ;fwf/0f ;ef ;+rfng sfo{ljlw–@))&!@_ ;+/lIft kF"hL lkmtf{ sf]if ljt/0f sfo{ljlw–@)&&

!(_ cf=j= )&&÷)&* sf] ;+;f]lwt sfo{qmdx? . ljZjJofkL dxfdf/Ln] ubf{ @)&^ r}q !! b]lv @)&& c;f/ clGtd ;Ddsf] aGbfalGbn] o; ;+:yfsf]

3f]lift sfo{qmdx? ;+rfng ug{ g;lsPsf]n] pQm cf=j= df ug'{ kg]{ b]xfosf sfo{qmdx?nfO{ rfn' jif{df lg/Gt/tf lbOg]5 .ag]kfdf lgdf{0f x'g] Jofj;flos ejgsf] gS;f l8hfOg / gS;f kf; eO{ ;s]sf]n] lgdf{0fsf nflu

6]G8/ ;'rgf hf/L u/L lgdf{0f sfo{ cuf8L a9fpg] .


z]o/ ;b:ox?nfO{ :jfenDag / Joj;foL agfpg pBdlzntf ljsfz tyf Ifdtf clea[l4 sfo{qmd ;+rfng ug]{ kgf}tLdf tflnd s]Gb| :yfkgf eO{ ;s]sf]n] ;f]xL dfkm{t sfo{qmd ;+rfng ul/g] 5 .

:yflgo tx;Fu ;dGjo u/L lgDgfg';f/sf sfo{qmd ;+rfng ul/g] 5 .s_ jftfj/0f ;+/If0f tyf ;/;kmfO{v_ Covid !( /f]syfd tyf Go"lgs/0f ;DaGwL r]tgfd'ns sfo{qmdu_ hg :jf:Yo;Fu ;DalGwt sfo{ M cfFvf lzlj/, bGt lzlj/, :qL /f]u tyf cGo /f]ux? ;DaGwL

:jf:Yo lzlj/3_ s[ifs ;b:ox?nfO{ :jfjnDag tyf Joj;flosagfpg] cfw'lgs s[lif sfo{qmdx?

sfo{If]q leq ;]jf k'¥ofpg g;lsPsf :yfgx?df ;]jf s]Gb| /lxt df]afO{n a}ls+Ë ;]jfx? ;'? u/L ;]jf k|bfg ug]{ .

sf7df08f}+ ;]jf sfof{no / ag]kfdf ATM d]l;g Joj:yfkg ul/g] .;do ;fk]If ;ldlt pk;ldltnfO{ ;+:yfut tflnd cWoog cjnf]sg e|d0f z]o/ ;b:ox?nfO{ :jfenDag / Joj;foL agfpg tyf Joj;flos s[lif Joj;fo k|a{wg ug{

lgDgfg';f/sf] sfo{qmd th'{df ul/ ldlt @)&& efb| ! b]lv nfu' ul/Psf] 5 .!_ s[lif kl/of]hgfsf] cfwf/df ;+:yfdf sfo{/t s[lif k|fljlwssf] l;kmfl;/df lglZrt l;df;Dd

ljgf lwtf] !) k|ltzt Jofhb/df -ljGwjfl;gL s[lif kl/of]hgf dflkmt_ lgDgfg';f/sf] C0f k|jfx ug]{ Ms_ s[lif :jenDag C0fv_ ;fd'lxs s[lif C0fu_ k"gM nufgL shf{

pQm sfo{qmdn] s[ifs z]o/ ;b:o tyf ljb]zdf /f]huf/ u'dfP/ :jb]z kmls{Psf] o'jfo'jtLx?nfO{ :j/f]huf/ ;[hgf ug{ ;lsg] 5 .

pBdlzntf ljsf; sfo{qmddf ;]jf hGo, 3/]n' pBf]u, ;fgf Joj;fonfO{, k|j4{g tyf ljsf;df JolQmut / ;d'xut C0f k|jfx ul/g]

k'gM nufgL shf{ ;DaGwL lgtLut Joj:yf u/L sfo{Gjog ul/Psf] .lwtf] d'NofËsg sfo{ ljlw ;do ;fk]If kl/dfh{g u/L nfu" ul/Psf] .;+:yfut vr{ Go"lgs/0f ug{ tyf xfnsf] dfxdf/Laf6 ;+:yfnfO{ kg{ ;Sg] hf]lvd Go"lgs/0f ug{ ul7t

hf]lvd Joj:yfkg sfo{bnaf6 klxrfg ul/Psf lb3{sfnLg tyf cNksfnLg hf]lvd Joj:yfkg sfo{ ljlw cg';f/ sfo{qmd ;+rfng ul/g] .

z]o/ a[l4nfO{ ;a} z]o/ ;b:ox?sf] ;femf p2]Zo xf] eGg] dfGotf :yflkt u/fpg k|To]s jif{ clwstd z]o/ ;b:ox?nfO{ ;xefuL u/fO{ z]o/ /sd a[l4 ul/g] .

s[lif sfo{qmd tyf ljGwfjl;gL s[lif kl/of]hgfaf6 ;+rflnt sfo{qmdx? / cGo ;+:yfut sfo{qmdx? ;DaGwdf ;a} ;b:ox?nfO{ ;';'lrt u/fpg] tyf ;b:o dfem k|rf/ k|;f/ ug]{ .

rfn' jif{ b]lv jflif{s sfo{qmdnfO{ q}dfl;s sfo{ k|ult ;ldIff / cf=j= sf] cGtdf cfufdL jif{sf] ah]6sf] ;+;f]wg tyf k'g/fjnf]sg u/L cf=j=sf] klxnf] dlxgfaf6} kl/dflh{t ah]6 sfo{Gjog u/fOg] 5 .


rfn' cf=j= b]lv k|To]s sfo{non] zfvfut sfo{qmd tyf nIox? ls6fg u/L nIo k|bfg ul/g] / q}dfl;s ?kd} sfo{ ;Dkfbgsf] k|ult ;ldIff ul/g] 5 .

;+:yfsf] ;b:o lj:tfl/t e]nf, ;d'x ;+of]hs e]nfx? ;+kGg ug{ g]kfn ;/sf/af6 hf/L dfxfdf/L /f]syfd tyf lgoGq0f lgb]{lzsfn] xfn k'0f{?kdf /f]s nufPsf]n] ;/sf/sf] lgb]{zg kZrft sfo{qmd ;'rf? ul /g] 5 .

;xsf/L P]g @)&$ lgodfjnL @)&% cg';f/ ljlzi6Ls[t ;xsf/L ;+3 u7g x'g] Joj:yf ePsf]n] ;f] cg';f/ u7g x'g] ljlzi6Ls[t ;xsf/L ;xof]udf cfa4 eO{ ;xsf/Lsf] Joj;flos sfo{df ;xefuL x'g] .

@)_ ;+:yfsf] ljlgod @)%) -;+zf]wg ;lxt_ k'gM n]vg :jLs[ltsf] nflu k|:tfj k]z ub{5' .

@!_ cfufdL cf=j= )&*÷)&( sf] k|:tfljt sfo{qmd Ms_ 1fgdf cfwfl/t s[lif sfo{qmd -ls;fg @_ kl/of]hgf sfo{qmdnfO{ lg/Gt/tf lbg] .v_ ag]kf l:yt Joj;flos ejgsf] lgdf{0f sfo{qmd ;DkGg ug]{ / ;+:yfsf] ag]kf ;]jf sfof{no / skf]{/]6

sfof{no :yfgfGt/0f ug]{ .u_ sfe|]sf ;a} :yfgLo txdf ;]jf sfof{no :yfkgf u/L ;]jf k|bfg ug]{ .3_ sf7df08f} pkTosfdf yk ;]jf sfof{nox? Joj:yfkg u/L ;]jf k|bfg ug]{ .ª_ ;+:yf Plss/0f sfo{nfO{ lg/Gt/tf lbO{ lau dh{/ sfo{ cufl8 a9fpg] .r_ :yfgLo txx?;Fusf] ;fem]bf/Ldf s[lif Joj;fo tyf ;fd'bflos tyf ;fdflhs sfo{qmd / s[lif hGo

a:t'x?sf] ahf/ k|j4{g ug]{ .5_ :yfgLo kflnsfx?;+usf] ;dGjodf jftfj/0f ;+/If0f ;DaGwL sfo{ cGtu{t a[Iff/f]k0f, ofq' k|ltIffno

lgdf{0f ug]{ .h_ lalzli6s[t ;xsf/L ;+3 u7g ug{ g]t[TjbfoL kxn u/L ;+:yfnfO{ Joj;flos If]qdf :yflkt ug]{ .em_ ;xsf/L k|lzIf0f s]Gb| / ;b:onfO{ cTofjZos pkef]Uo a:t'sf] ;j{z'ne ;]jf k|bfg ug{ cfkm\g}

ejgdf df6{ ;+rfng ug]{ .

@@_ wGojfb tyf cfef/

cGTodf ;+:yfsf] pGgtL tyf k|ultnfO{ k|ToIf Pj+ k/f]If ?kdf ;xof]u ug'{x'g] lhNnf art tyf C0f ;xsf/L ;+3 ln= sfe|]knf~rf]s, lhNnf ;xsf/L ;+3 sfe|]knf~rf]s, g]kfn art tyf C0f s]Gb|Lo ;xsf/L ;+3 -g]ˆ:s'g_, /fli6«o ;xsf/L a}+s, /fli6«o ;xsf/L dxf;+3, Pl;ofnL C0f dxf;+3 -ACCU_, sfe|]lhNnfsf ;Dk"0f{ :yfgLo gLsfo, lgofds lgsfox?sf ;fy} ;o ;+:yfsf ;ldlt, pk ;ldlt, sd{rf/L Pj+ ;Dk"0f{ z]o/ ;b:ox?df xflb{s s[t1tf ;lxt cfef/ k|s6 ub{5' .

;fy} sf]/f]gf efO/;sf sf/0f ljZjJofkL ?kdf km}lnPsf] dxfdf/Ln] pTkGg ljifd kl/l:yltn] b]zsf ;a} If]q k|efljt ePsf]n] ;+:yfsf] ljsf; / :yfloTjdf ;d]t k|efj kg]{ ePsf] x'gfn] ;Dk"0f{ z]o/ ;b:oHo"x?df k'gM ;+:yfnfO{ alnof] / ;jn agfpg ;~rfns ;ldltsf] tkm{af6 / d]/f] JolQmut tkm{af6 ;d]t k"0f{ ;xof]usf] ck]Iff /fVb} ;b:o / ;+:yfsf] cfly{s tyf ;fdflhs pGgltnfO{ ;b}j Wofgdf /fvL ;+:yfn] cfufdL lbgdf ;f]xL cg's"n x'g] gLlt tyf sfo{qmd Nofpg] k|ltj4tf JoQm ug{ rfxG5' .

wGojfb Û



o; ;+:yfsf] @& cf}+ ;fwf/0f ;efsf] aGb ;qsf ;efkltHo", ;+rfns ;ldltsf kbflwsf/L tyf ;b:oHo"x?, n]vf ;ldltsf ;+of]hs tyf ;b:oHo"x? ;+:yfnfO{ ;+rfng ug{ ul7t ;Dk"0f{ pk;ldltsf kbflwsf/L tyf ;b:o Ho"x?sf ;fy} o; ;efnfO{ ;kmn kg{ kfNg' x'g] ;Dk"0f{ z]o/ ;b:oHo"x?, k|d'v Joj:yfks nufot ;+:yfdf sfo{/t ;Dk"0f{ sd{rf/L ju{df xflb{s ;xsf/L clejfbg JoQm ub{5' .

;xsf/L P]g @)&$ / lgodfjnL @)&% / jfudtL k|b]z ;xsf/L P]g @)&^ / lgodfjnL @)&^ cg';f/ ;+rflnt o; ;+:yfn] sfe|] lhNnf e/ sfo{ If]q agfO{ ;]jf k|bfg ub}{ cfPsf]df sf7df08f} l:yt l;h{glzn art tyf C0f ;xsf/L ;+:yf ln= Plss/0f u/L sf7df8f} lhNnfsf] ldgejgdf ;]jf sfof{no Joj:yfkg u/L sf7df8f} lhNnfe/ ;d]t ;]jf k|f/De ul/Psf] Joxf]/f @& cf} ;fwf/0f ;ef ;dIf hfgsf/L u/fpg rfxG5f}+ .

;d'x / ;fd'bfodf /x]/ ;b:osf] rfxgf / ;Gt'li6nfO{ s]Gb| ljGb' agfP/ cfkm\gf] ;]jf dfkm{t ;b:ox?sf] cfly{s, ;fdflhs / ;+f:s[lts ljsf; u/L ul/aL lgjf/0fdf ;xof]uL aGb} cfPsf] o; ;+:yfn] sf]le8 !( sf] sf/0f b]zdf ePsf] aGbfaGbL -ns8fpg_ sf afjh't cf=j= )&^÷)&& df b]xfo adf]lhd k|ult xfl;n ug{ ;kmn ePsf] Joxf]/f ;+If]kdf k|:t't ug{ cg'dlt rfxfG5' .

!= t'ngfTds cfly{s k|ult ?=)))÷–

qm=;+=

ljj/0fk|ult cf=j )&%÷)&^

nIo cf=j )&^÷)&&

k|ult cf=j )&^÷)&&

k|ult k|ltzt

k|ult j[l4

1. ;d'x 1577 1802 1763 97.85 11.792. ;b:o ;+Vof 40593 46641 44669 95.77 10.043. afn art 7125 7869 7658 97.31 7.484. ;]jf u|fxL 34448 38682 37111 95.94 7.735. z]o/ k"FhL 280936 324900 325261 100.11 15.776. art ÷lgIf]k 1949813 2321323 2388637 102.90 22.507. C0f nufgL 1868831 2033262 1875866 92.26 0.378. C0f c;'nL 1633536 1654326 1620081 97.93 0.829. C0f nufgLdf afFsL 2089679 2463588 2343454 95.12 12.1410. Jofh c;'nL 300018 352920 336953 95.48 12.31

;~rfns ;ldltsf sf]iffWoIfåf/f k|:t't cf=j= @)&^÷)&& sf] cfly{s k|ltj]bg Pj+

cf=j= @)&&÷)&* sf] ;+zf]lwt / cf=j )&*÷)&( sf] cg'dflgt ah]6 tyf sfo{qmd zfGt s'df/ >]i7

sf]iffWoIf


qm=;+=

ljj/0fk|ult cf=j )&%÷)&^

nIo cf=j )&^÷)&&

k|ult cf=j )&^÷)&&

k|ult k|ltzt

k|ult j[l4

11. efsf gfw]sf] C0f 1515812. hu]8f sf]if 189457 246357 30.313. cGo sf]if 74240 53796 27.5314. afXo C0f 71722 144000 70909 49.24 -1.1315. s'n cfDbfgL 383631 462383 458826 99.23 19.6016. s"n vr{ 284716 345970 371210 107.29 30.3717. ;+rfng d'gfkmf 98915 116413 87616 75.26 -11.4218. hDdf k"FhL 2601312 3130533 3123929 99.78 20.09

;+:yfsf] cf=j= )&^÷)&& sf] k|ult cj:yf nIo cg'kftdf (*=)(Ü h'g utsf] k|ult cg';f/ )=)& n] a[4L /x]sf] 5 eg] k"FhL a[4L b/ @)=)(Ü /x]sf] 5 eg] shf{ nufgL tkm{ jflif{s nIo eGbf !@ s/f]8 ! nfv #$ xhf/ sd x'g' / kfpg' kg]{ Jofh )Ü /fVg] nIo lnPsf]df ?= %,)^* xhf/ afFsL /xg' / ef=gf C0f ;+:yfsf] gLlt jdf]lhd shf{ ;'/If0f vr{ / ljZjdf km}lnPsf] Corona Virus (Covid !(_ sf] k|efjaf6 g]kfndf @)&^ r}q !! b]lv cf=j= cGt ;Dd klg aGbfaGbL e} ;b:ox?sf] cfly{s ultljlw Go"g eO{ cfly{s c;xhtfnfO{ dWogh/ u/L o; cf=j=df ? !,@#,%%,!^^.– Aofh 5'6 lbPsf]n] nIo cg';f/ cfDbfgL x'g g;s]sf] Joxf]/f cjut u/fpFb} ;Dk"0f{ ;b:ox?df ljQLo cg'zf;g sfod u/L cfufdL lbgx?df ;+:yfsf] nIo k|fKtLsf nflu cg'/f]w ub{5' .

@= ;+:yfaf6 cf=j= )&^÷)&& df ;xsf/L P]g÷lgodfjnL / cfly{s gLlt cg'?k s/of]Uo d'gfkmfdf % k|ltzt cfos/ ;lxt lgDg adf]lhdsf] s/ cfGtl/s /fh:j sfo{nodf bflvnf u/L ;s]sf] Joxf]/f hfgsf/L ub{5' .

qm=;+= s/ lzif{s s/ /sd1. Jofh s/ 10345955.702. 3/ axfn s/ 272834.003. a}7s eQmf s/ 320835.004. kf/>lds s/ 301407.005. n]vf kl/If0f s/ 3318.156. ;fdflhs ;'/Iff s/ 102579.907. nfef+z s/ 1875940.238. tflnd s/ 61380.009. xn ef8f s/ 50257.0010. cGo kfl/>lds s/ 109662.0011. ;fwf/0f ;ef oftfoft vr{ s/ 1237844.82


qm=;+= s/ lzif{s s/ /sd12. cGo ;]jf s/ 137283.1813. cfo s/ 4044346.9214. sfg'gL k/fd{z s/ 18000.00 15. cfsl:ds nfe s/ 4250.00

hDdf s/ 18885893.90

#= ;b:o /fxt ljt/0f ljj/0f M ;+:yfn] ;b:ox?sf] nflu ;+rfnLt ljleGg /fxt sfo{qmd ;+rfngfy{ ;b:o lxtsf]if artdf cf=j= )&^÷)&& df ?=%,(^,@$,&*&÷– hDdf ug]{ nIo lnPsf] df ? %,&#,*&,!&& dfq hDdf ePsf] / ;f] sf] k|ult (^=@%Ü dfq /x]sf] / o; d"n k"FhLdf ;+:yfaf6 k|bfg ul/g] Jofhdf clwstd Jofh k|bfg u/L ;f] Jofhaf6 pQm /fxt sfo{qmd ;+rfng u/L cfPsf]df ;b:otf a[l4sf] cg'kftdf pQm Jofhaf6 dfu /fxt sfo{qmd ;+rfngdf sl7gfO{ kg{ ;Sg] ePsf]n] v'b d"gfkmf af8kmf8af6 ;d]t %Ü /sd 5'6\ofO{ pQm sfo{qmd ;+rfng u/L cfPsf] Joxf]/f hfgsf/L u/fpg rfxG5' . ;fy} cf=j= )&^÷)&& df lgDg cg';f/ s'n ?= ̂ *,*(,##!.–/fxt ljt/0f u/]sf] Joxf]/f ;d]t cg'/f]w ub{5' .

qm=;+= ljj/0f ;+Vof /sd1. :jf:Yopkrf/ /fxt $)$ 36960962. kfl/jfl/s /fxt @^* 12853073. ;b:o d[To' /fxt &* 13390724. b}lj k|sf]k /fxt #* 1848565. gjhft lzz' /fxt !^* 840006. ljz]if pkrf/ /fxt !( 4100007. hDdf 975 6999331

$= C0f z'/If0f Joj:yfkg

;b:ox?sf] cfo a[l4 ug{ ;+:yfaf6 k|bfg ul/Psf] shf{x?sf] ;xsf/L dfkb08 cg'?k lgDg cg';f/ C0f ;'/If0f Joj:yf ul/Psf] 5 . -?=)))_ df

cjlw k|ltzt C0f afFsL /sd ;'/If0f Joj:yf /sd! jif{ al9 !))Ü !@@^ !@@^! jif{ eGbf sd #%Ü !!#&# #(*!c;n C0f !Ü !Ü @##)*%^ -@##=)*_

%= ljk|]if0f ;]jf

o; ;+:yfdf cfj4 z]o/ ;b:onfO{ ljb]zdf /x]sf cfkmGtaf6 k7fPsf] /sd ;j{z'ne ?kdf ;+:yfsf] & j6f sfof{noaf6 cf=j= )&^÷&& df s'n ?=$@^$^@#&÷– e'QmfgL u/L ?=*%,@@^.!( sldzg k|fKt ug{ ;kmn ePsf] 5 .


^= ah]6 /sdfGt/

o; ;+:yfsf] cf=j )&^÷)&& df k|:tfljt cg'dflgt ah]6 dWo s]lx lzif{sdf sdL x'g uPsf]]n] ;+rfns ;ldltsf] lg0f{o cg';f/ lgDg cg;f/ /sdfGt/ lx;fj ldnfg ul/Psf] 5 .

vr{ zLif{s:jLs[t ah]6

gk'u /sd/sdfGt/ ug]{ vr{ zLif{s

/sd cf}lrTo

oftfoft tyf 9'jfgL 142130 207870 ahf/ k|j4{g 210000 sf]le8 !( dxfdf/Ldf ljleGg sfof{no / :yfgLo txdf cfjthft ug'{ k/]sf]n]

;fwf/0f ;ef 7475000 2130978 tflnd uf]i7L 6500000 0 lj:tfl/t e]nf 1500000

ljdf gljs/0f 404964 105256 ahf/ k|j4{g 1200005kfO{ tyf k|sfzg 1050000 93515 ahf/ k|j4{g 100000;/;kmfO{ 69000 96775 ;'/Iff 100000:yfkgf lbj; 200000 220905 tflnd uf]i7L 225000;fdflhs lqmofsnfk 560000 228488 jftfj/0f ;+/If0f 230000Jofh 5'6 0 13500000 yk 13500000;b:o ;Ddfg 0 41707 yk 42000

&= n3' cd[t ljdf ;b:oaf6 ;+rflnt n3'ljQ dlxnf ;d"xaf6 ljgf lwtf] C0f lnO{ sf/f]af/ ug{ ;d"xsf ;b:ox?nfO{

C0f ;'/If0f tyf kl/jfl/s ;'/Iffsf] nflu National Life Insurance / Citizen Life Insurance ;Fusf] ;xsfo{df shf{ a/fa/ jf a9L /sd ladf ug{ ;Sg] 5 eg] shf{ a/fa/ clgjfo{ ljdf u/fpg] ul/Psf] 5 eg] cf=j= )&^÷)&& df #%$@ hgfnfO{ ladf u/fO{ ? !#*@^@!÷– ladf z'Ns e'QmfgL u/fO{ * hgfsf] ladf bfaL ?=(*&))).– /sd ljdf bfjL dfkm{t pknAw u/fO{sf] 5 .

*= sf]if /sdfGt/ o; ;+:yfsf] cf=j= )&%÷)&^ df ;xsf/L P]g adf]lhd d'gfkmf afF8kmfF8af6 hDdf ePsf] /sd

cf=j= @)&^÷)&& df vr{ geO{ afFsL /x]sf] ?= !,&%,^*,#$&.– nfO{ ;fwf/0f hu]8f sf]ifdf /sdfGt/ u/L ;+:yfut kF"lh a[l4 ul/Psf] 5 .

qm=;+= sf]if lzif{s /sd1. ;b:o lzIff sf]if 2065693.252. 3f6f k"lt{ sf]if 2065693.253. ;+:yfut ljsf; sf]if 2065693.254. ;+/lIft k"Flhlkmtf{ sf]if 9395748.975. af]g; TDS kl5 1749518.286. cg'bfg lx;fj 226000.007. hDdf 17568347.00


(= sd{rf/L pkbfg sf]if Joj:yfkg o; ;+:yfdf sfo{/t sd{rf/Lx?sf] ;]jf tyf ljsf;sf] nflu ;+:yfsf] sd{rf/L tyf k|zf;lgs

lgodfjnL @)^@ sf] lgod $=@@ cg'?k sd{rf/L sNof0f sf]ifsf] Joj:yf u/L sd{rf/Lx?sf] dfl;s vr{sf] !% k|ltztn] cjsfz sf]if Joj:yfkg ub}{ cfPsf]df cf=j )&^÷)&& b]lv g]kfn ;/sf/n] ;fdflhs ;'/Iff sf]if P]g @)&$ adf]lhd of]ubfgdf cfwf/Lt ;fdflhs ;'/Iffsf]if of]hgf nfu' ul/Psf]n] pQm sf]ifdf @)&^ >fj0f b]lv sd{rf/Lx?nfO{ cfj4 u/fO{ ;+:yfsf] tkm{af6 @)Ü / sd{rf/Lx?sf] !!Ü of]ubfg :j?k hDdf ul/Psf] 5 . o;/L hDdf u/L cfPsf] /sd dWo] …sf]le8 !(Ú sf] sf/0f ePsf] aGbfaGbL cjlw $ dlxgfsf] ;+:yfn] of]ubfg ug'{ kg]{ /sd g]kfn ;/sf/af6 cg'bfg :j?k ?=!#,@%,&)#.$) / sd{rf/Ln] of]ubfg ug'{ kg]{ !!Ü afktsf] ?= &,@(,!#*.%@ u/L s"n ?= @),%$,*$!.(@ g]kfn ;/sf/af6 hDdf u/L ;+:yfaf6 hDdf ePdf pQm /sd lkmtf{ k|fKt ePsf] Joxf]/f ;Ddflgt ;ef ;dIf hfgsf/L u/fpg rfGx5' .

!)_ ;+:yfn] k|To]s cf=j= df ;fdflhs pQ/ bfloTj cGt{ut ;+:yf cfkm}n] tyf ljleGg ;+3 ;+:yf tyf :yfgLo tx;Fu ;dGjo tyf ;fem]bf/Ldf jftfj/0f ;+/If0f tyf ;/;kmfO{ sfo{qmd ;+rfng ug{ ljlgof]lht ah]6 sfof{Gjog ug{ Corona Virus n] ubf{ ;DkGg x'g g;s]sf] / ;f]xL ah]6af6 o; dxfdf/Ldf ;+:yfsf] sfo{ If]q / ;]jf k'u]sf] k|To]s gu/kflnsf / ufpFkflnsf tyf lhNnf k|zf;g sfo{no, g]kfn kqsf/ dxf;+3 sfe|] / /fli6«o ;xsf/L dxf;+3 ln=df ;+rfns ;ldltsf] # j6f a}7ssf] eQf / ;Dk"0f{ sd{rf/Lx?sf] # lbg a/faf/sf] tna /sd u/L hDdf ?= @,(#,%((.– ;+sng u/L s"n ?=%,&&,(%^.– a/fa/ gub, :jf:Yo ;fdfu|L tyf vfBGg ;xof]u k|bfg ul/Psf]5 eg] rfn' cf=j=df ;d]t cfjZostf cg';f/ ;xh jftj/0f /x]df cGo sfo{qmd ;+rfng ul/g]5 .

!!_ nfut ;xeflutfdf ;+rflnt1fgdf cfwfl/t s[lif sfo{qmd Kishan-II cGtu{t o; jif{df ePsf] s"n vr{ ?= #$,#*,&^&.$* dWo] ljg/s OG6/g]zgnaf6 ?=!(,#&,^&%.!* ;f]wegf{ k|fKt ePsf]5 eg] ;+:yfaf6 ?=!%,)!,)(@.#) vr{ ul/Psf] 5 .

!@_ kF"lhut ljlgof]hg ah]6 ;+:yfn] ;+:yfut sf]ifsf] cfwf/df cf=j= )&^÷)&& df ;dfj]z ul/Psf lgDg of]hgfx? dWo] pQm

cf=j=df ;DkGg ePsf Covid !( tyf cGo sf/0faf6 ;DkGg x'g g;s]sf sfo{qmd o; cf=j )&&÷)&* sf] ah]6df ;d]t lg/Gt/tfsf] nflu ah]6 k|:tfj ul/Psf] 5 .

s_ ;+:yfsf] ag]kf l:yt ;]jf sfof{no tyf skf]{/]6 sfof{no tyf Joj;flos ejgsf] l8hfOg tyf gS;f kf;sf] sfo{ ;DkGg ePsf] / ejgsf] gS;f l8hfO{g / nfut Ol:6d]6 ;d]t tof/ e}O E-Bidding sf] Process clGtd r/0fdf /x]sf]df ljZjJofkL ?kdf km}lnPsf] Covid !( n] ubf{ @)&^ r}q !! b]lv aGbfaGbLn] ubf{ pQm sfo{ cufl8 a9\g g;s]sf]n] pQm sfo{nfO{ lg/Gt/tf lbO{ rfn' cf=j=df pQm lgdf{0f sfo{ lg/Gt/tf lbO{ bf]>f] q}df; leq lgdf{0f sfo{ k|f/De ug]{ nIo lnOPsf] 5 .

v_ ;+:yfn] cfkm\gf] k|To]s ;]jf sfof{nox/df ;+:ysf] ultljwLsf ;fy} ;Gb]z d'ns s[lif, pBf]u h:tf Joj;fo k|j{4g ug{ k|]l/t ul/g] ;'rgf k|jfx ug{ cf=j= )&^÷)&& df T.V Display /flvPsf] / ;f] af6 xfnsf] Corona Virus af/]sf] ;'rgf / ;f]af6 aRg] / ;ts{tf ckgfpg] pkfox?sf] ;Gb]z d'ns sfo{qmd k|rf/k|;f/ ub}{ cfPsf] Joxf]/f cg'/f]w 5 .


!#_ nfef+z k|:tfj ;+:yfn] ut cf=j= )&^÷)&& df u/]sf] v'b d'gfkmf ? *,&^,!^,%)$.)$ af6 ;xsf/L P]g tyf

lgodfjnLn] lgb]{lzt sf]if tyf sd{rf/L af]gf; sf]if s§L u/L afFsL /sdnfO{ !))Ü dfgL pQm /sdaf6 nfef+z sf]ifdf hDdf ePsf] /sd / cGo ;+lrt sf]ifaf6 u/L !#Ü -t]x| k|ltzt_ ;Ddsf] nfef+z ljt/0f ug]{ k|:tfj ub{5' .

;efklt dxf]bo

;+:yfsf] :yfoLTj / ;+:yf ;+rfngsf] d'n >f]t k"FhL ;+sng / kl/rfng ePsf]n] ;+:yfaf6 ljut b]lvg} cfjZos /0flglt tyf sfo{ of]hgf -3rd Years Planning_ cf=j )&^÷)&& –)&*÷)&( tof/ kf/L @% cf}+ ;fwf/0f ;efaf6 kfl/t ah]6 / @^ cf} ;fwf/0f ;efaf6 kfl/t@)&&÷)&* sf] ah]6nfO{ cf=j= @)&^÷&& sf] k|ultsf] cfwf/df b]xfo adf]lhd cfjZos ;+zf]wg ug{ ;Ddflgt ;efdf :jLs[tfy{ k]z u/]sf]5' .

!= ;b:o tyf ;]jfu|fxL

qm=;+= ljj/0f )&&÷)&* :jLs[t )&&÷)&* sf] ;+zf]lwt1. ;d'x ;+Vof 2099 20482. ;]jf pkef]u ;+Vof 53580 536253. ;b:o ;+Vof 44562 440504. z}lIfs afn art 8833 9270

@= k"FhL ;+sng

qm=;+= ljj/0f )&&÷)&* :jLs[t )&&÷)&* sf] ;+zf]lwt1. z]o/ k"FhL 374870 3813222. art tyf lgIf]k 2726426 29156563. hu]8f tyf cGo sf]if 364804 3648054. afXo ;fk6L 172800 1200005. cGo bfoLTj 8679 28861

hDdf 3647579 3810644

#= ;Dklt ljj/0f

qm=;+= ljj/0f )&&÷)&* :jLs[t )&&÷)&* sf] ;+zf]lwt1. gub÷a}s 420391 4950002. C0f nufgL 65000 750003. C0f nufgLdf afFsL 2952155 31012444. k]ZsL kfpg' kg]{ w/f}6L 52535 350005. :yL/ ;Dklt 155000 1016006. cGo ;Dklt 2600 2800

hDdf 3647681 3810644


$= C0f nufgL tyf c;'nL

qm=;+= ljj/0f )&&÷)&* :jLs[t )&&÷)&* sf] ;+zf]lwt1. C0f nufgL 2656152 28033662. C0f c;'nL 2199910 18782133. Jofh c;'nL 421270 4130074. C0f afFsL 2952155 3101244

%= cfo Joo ljj/0f

qm=;+= ljj/0f )&&÷)&* :jLs[t )&&÷)&* sf] ;+zf]lwt1. s'n cfo 467621 4925852. s'n Joo 323341 3575553. cg'dflgt art 144306 135030

^_ 1fgdf cfwfl/t Kishan-II sfo{qmd ;+rfng u/L cfPsf] ;+:yfsf] o; sfo{qmddf cfa4 z]o/ ;b:ox?sf] lhjgrof{ kl/j{tg / sfo{qmdaf6 nfeflGjt ePsf] cfwf/df o; sfo{qmdnfO{ lg/Gt/tf k|bfg u/L yk gofF ;f]r / sfo{qmdsf ;fy cl3 a9fO{ ;b:ox?sf] cfly{s ljsf;df ;fem]bf/L u/L rfn' cf=j=df ;d]t lg/Gt/tf lbOg] 5 .

&_ :yL/ ;Dklt÷3/ hUuf Joj:yfkgs_ ;+:yfsf] cf=j )&^÷)&& df ljlgof]lht ah]6af6 ag]kf l:yt ;+:yfsf] hUufdf Joj;flos

ejg lgdf{0f sfo{ z'?ug{ pQm ejgsf] l8hfOg Cost Estimated sf] sfo{ ;DkGg u/L Corona Virus n] nfdf] ;do aGbfaGbLsf sf/0f pQm sfo{df l9nfO{ ePsf]n] rfn' cf=j=df ;do ;fk]If pQm sfo{nfO{ lg/Gt/tf lbO{g] 5 ;f] sfo{sf] nflu gk'u /sd ;+:yfaf6 / afFsL /sd Soft Loan lnO{ lgdf{0f sfo{nfO{ lg/Gt/tf lbO{g] 5 eGg] ;+:yfsf] sf]if÷;xsf/L P]g adf]lhd ;+:yfsf] cGo sfof{nodf klg 3/ hUuf Joj:yfkg ug{ cf=j )&&÷)&* sf] :jLs[t ah]6 oyfjt sfod u/]sf] 5' .

v_ ljZjdf km}ln/x]sf] Corona Virus af6 g]kfn klg c5'tf] /xg ;s]g ;f] ;Gbe{df g]kfn /fi6« a}+s lgodg lgsfosf dfu{ lgb]{zg adf]lhd ;+:yfnfO{ Cashless Transaction ug{ pko"Qm ePsf] dx;'; u/L] ;+:yfn] k|of]u u/L cfPsf] k|ljlwnfO{ lg/Gt/tf lbOg] 5 eGg] Mobile Apps dfkm{t a+}s tyf ljlQo ;+:yfdf /x]sf] /sd ;+:yfdf ;fg{ k7fpg ;Sg] k|ljlw sfof{Gjogsf] r/0fdf /x]sf] 5 o;n] z]o/ ;b:ox?n] /sd lnO{ lx8\bf x'g] hf]lvddf Go"g x'g]5 eGg] cfzf lnPsf] 5' .

u_ o; ;+:yfn] ;xsf/L P]g @)&$ / lgodfjnL @)&%n] lgb]{zg u/] adf]lhd ;xsf/L Plss/0f ;xhLs/0f k|s[ofnfO{ lg/Gt/t lbg ah]6 ljlgof]hg u/]sf] 5' .

cfb/0fLo ;efklt Ho" tyf z]o/ ;b:oHo"x? o; ;+:yfn] ljut b]lv g} ;+:yfsf] lbuf] nIo k|fKtLsf] nflu lqjifL{o ah]6 tyf sfo{qmd tof/

u/L sfo{Gjog ub}{ cfPsf] 5 eg] @% cf}+ ;fwf/0f;efaf6 kfl/t lqjifL{o Joj;flos of]hgf @)&^÷&&–)&*÷)&( sf] kl/lwdf /xL rfn' cf=j @)&&÷)&* sf] nIo tyf ah]6sf cfwf/df th'{df ul/Psf] cfufdL cf=j )&*÷)&( sf] k|:tfljt cg'dflgt ah]6 :jLs[ltsf] nflu k|:tfj k]z u/]sf] 5' .


s_ ;d'x tyf ;b:o ljj/0f

qm=;+= ljj/0f ;+Vof! ;d"x ;+Vof 2398@ ;]jfu|fxL 62517# ;b:o ;+Vof 50847$ zf}lIfs afn art 11130

v_ kF"hL tyf bfloTj÷;Dklt

qm=;+ ljj/0f /sd qm=;+= ljj/0f /sd1. z]o/ k"FhL 442960600 1. gub tyf a}+s 5893680002. lgoldt art 540911953 2. nufgL lx;fa 950000003. b}lgs art 9624523 3. C0f nufgL afFsL 37700000004. z}lIfs art 166900063 4. k]ZsL w/f}6L 325350005. ;fwf/0f art 1121556820 5. :yL/ ;Dklt 1250000006. d'4tL art 1434319129 6. cGo ;Dklt 28000007. kj{ art 9692117 7. 8. ljz]if art 48210516 8. 9. ;d'xut art 5628876 9. 10. n3'ljQ art 29292917 10. 11. ;+rosf]if art 22389499 11. 12. ;b:olxtsf]if art 80905772 12. 13. ljGwjfl;gL art 1179182214. h]i7 gful/s art 1367505415. ljdf art 296389416. w/f}6L art 149596317. lzIff art 355466418. :jf:Yo art 203271119. C0f sf/f]af/ 33734583

hDdf art 353868087620. e'QmfgL lbg' kg]{ lx;fa 3177652421. h]u]8f tyf cGo sf]if 40128500022. afXo C0f 200000000

hDdf 4614703000 4614703000


u_ cfo÷Joo ljj/0f

vr{ tkm{ cfDbfgL tkm{qm=;= ljj/0f /sd qm=;= ljj/0f /sd1. sd{rf/L vr{ 49199695 1 Jofh c;'ln 4878764752. a}7s eQf 3719300 2 a}saf6 cfDbfgL 385783503. b}lgs e|d0f eQf 685130 3 sldzg SMS 2357204. 3/ ef8f 4247190 4 sldzg /]ld6]G; 860005. d;nGb 1376270 5 sd{rf/L ;fk6L 12650006. cltyL ;Tsf/ 386420 6 C0f Joj:yfkg z'Ns 170734507. Jofh vr{ 241778400 7 ljljw 10954608. ljljw 1976350 89. xf;| sl§ 432990010. OGwg 44580011. ;d'x ;+rfng 89686012. dd{t ;Def/ 66548013. C0f z'/If0f 2439346014. ;b:o lxt kl/rfng 95568015. a}7s ;+rfng 53832016. sfof{no Joj:yfkg 113540017. oftfof÷9'jfgL 20459018. ACCES BRAND 27830019. ;fwf/0f ;ef lg0f{o

k|dfl0fs/0f e]nf330000

20. ;fwf/0f ;ef 1266090021. 6]nLkm]fg ;+rf/ 117710022. alQ ljh'nL kfgL 106398023. n]vf kl/If0f z'Ns 30250024. ljdf gljs/0f 119106025. ;b:o gljs/0f 25430026. ;jf/L ÷3/hUuf b:t'/ 4630027. ACCU Member Renew 8470028. sfg'gL k/fdz{ 14520029. So ware Networking 224487530. tflnd ;]ldgf/ 2083390


31. cjnf]sg tyf cWoog 18000032. Accu ForamPar cipate 60375033. pkbfg sf]if 471100034. 5kfO{ tyf k|sfzg 132825035. Joj;fos sfo{ 20000036. ahf/ k|j{wg 57650037. ;]jf s]Gb| ;+rfng 7287538. ;fdflhs ls[ofsnfk 50575039. C0f Joj:yfkg 53460040. kq klqsf 6830041. afXo ;fk6L 2000000042. ;/;kmfO{ 15566543. ;'/Iff 30030044. ;b:o ;j]{If0f 50000045. cf=n]vf k/LIf0f 27830046. aftfj/0f ;+/If0f 63250047. ATM ;]jf MobileAPP 15000048. ;b:o kl/ro kq 7550049. ;xsf/L k|j4{g -Plss/0f_ 20690050. ;b:o lj:tf/Lt e]nf 903550

hDdf 390780590;+lrt art ÷gfkmf 155429865hDdf 546210455 546210455

3_ ljljw vr{ ljj/0f

qm=;= ljj/0f /sd1. ;'rgf÷;k|]if0f 3205002. :yfkgf lbj; 2570003. sfo{no ;hfj6 5576004. k"Flhut vr{ 3945005. cGo km'6s/ 2945006. vftfaGbL 2769207. df]jfO{n 1382758. SMS 25000

hDdf 2264295


ª_ tflnd uf]i7 ljj/0f

qm=;+= ljj/0f /sd1. sd{rf/L Ifdtf clea[l4 3778752. ;ldlt pk;ldlt Ifdtf clea[l4 2457503. ;b:o lzIff tflnd 2997654. ;ldIff÷ /0flglts uf]i7L 2750005. ;d'x ;+of]hs e]nf 5132506. n3'ljQ ;+of]hs e]nf 2397507. h]i7 ;b:o ltyf{6g 1320008. hDdf 2083390

r_ :yL/ ;Dklt v/Lb tyf Joj:yfkg -?= xhf/df_

qm=; ljj/0f skf]{/6 vf]kf;L ag]kf kgf}tL 9'+vs{ kfFrvfn es'08] afg]Zj/ hDdf1. ejg lgdf{0f 50000 500002. kmlg{r/ 2500 200 200 300 150 200 150 100 38003. sDKo"6/ 50 50 50 50 50 50 25 25 3504. Nofk6k 125 75 75 75 75 75 75 75 6505. lk|G6/ 50 50 50 50 50 50 25 25 3506. df]6/ ;fO{sn 0 250 250 250 250 250 250 250 17507. 6\ofn]6 0 60 60 60 60 60 60 60 4208. ;jf/L ;fwg 10000 0 0 0 0 0 0 0 100009. ATM d]lzg 750 0 0 750 0 0 0 750 225010. 63475 685 685 1535 635 685 585 1285 69570

cGtdf b]xfo adf]lhd k|:tfjx? kfl/t u/L lbg' x'g ;Ddflgt ;ef ;dIf k|:tfj ub{5' .

s_ cf=j= @)&^.&& df vr{ eO{ afFsL /x]sf] sf]ifx? ;fwf/0f hu]8f sf]ifdf /sdfGt/ ul/Psf]nfO{ :jLs[tfy{ k|:tfj ub{5' .

v_ ;+rfns ;ldltsf] a}7s eQf, oftfoft vr{ tyf ;+rf/ vr{ :jLs[tfy{ k|:tfj ub{5' .u_ k|d'v Joj:yfkssf] kfl/>lds, k|d'v Joj:yfks eQf, oftfoft ;fwg ;'ljwf / cGo ;]jf

;'ljwf :jLs[tLsf nflu k|:tfj ub{5' .3_ dfly k|:tfljt rfn' cf=j= @)&&.)&* sf] ;+zf]lwt ah]6 tyf sfo{qmd / cfufdL @)&*.)&(

sf] k|:tfljt cg'dflgt ah]6 tyf sfo{qmd kfl/t u/L lbg' x'g k|:tfj ub{5' .

wGojfb Û



o; ul/dfdo @& cf}+ jflif{s ;fwf/0f ;efsf ;efWoIf Pj+ ;+:yfsf cWoIfHo", ;+rfns ;ldltsf kbflwsf/L tyf ;b:o Ho"x?, ljleGg pk ;ldltsf ;+of]hs Pj+ kbflwsf/L tyf ;b:oHo"x?, ;+:yfsf k|d'v Joj:yfks Ho", ljefuLo Joj:yfks Pj+ ;]jf sfof{no Joj:yfks Ho"x? tyf sd{rf/L ldqx?, ;fwf/0f ;efdf pkl:yt x'g' ePsf ;Dk'0f{ z]o/ ;b:oHo"x? nufot ;+:yfsf z'e lrGts dxfg'efjx?df n]vf tyf ;'kl/j]If0f ;ldltsf] tk{maf6 ;xsf/L clejfbg JoQm ub{5f}+ .

sfe|] lhNnfsf] P]ltxfl;s gu/L kgf}tL g=kf=!) vf]kf;Ldf @)%) ;fn kmfNu'0f ^ ut] ljlwjt ?kdf btf{ eO{ :yfkgf ePsf] o; laGwjfl;gL art tyf C0f ;xsf/L ;+:yf ln=n] ljleGg cf/f]x cj/f]w kf/ ub}{ /fli6«o tyf cGt/fli6«o :t/df cfk\mgf] klxrfg u/fpFb} xfn ljZje/ dxfdf/Lsf ?kdf k}mlnPsf] COVID-19 sf] hf]lvd ePklg ;'/Iffsf pkfox?nfO{ cjnDjg ub}{ @& cf}+ ;fwf/0f ;ef eJotfsf ;fy ;DkGg ug{ uO{/x]sf] o; kfjg cj;/df n]vf tyf ;'kl/j]If0f ;ldltsf] jflif{s k|ltj]bg k|:t't ug{ rfxG5f} .

!= cl3Nnf] ;fwf/0f ;efsf] lg0f{ox?sf] sfof{Gjogsf] cj:yfMcl3Nnf] ;fwf/0f ;efaf6 lg0f{o ePsf a'+bfx? dWo] o; ;ldltn] tkl;n adf]lhdsf a'+bfx?nfO{

dfq pNn]v ug{ rfxG5f}+ .

!=! ;+:yfsf] pQ/f]Q/ k|ultsf] nflu cxf]/fq vl6g] sd{rf/Lx? Pj+ z]o/ ;b:o Ho"x?nfO{ pRr k|fyldstfdf /fvL ljleGg k|f]T;fxg :j?k k'/:sf/sf] Joj:yf, /fxt ;'ljwf, ;b:o ;x'lnot sf8{x?, ATM CARD, Mobiles APPs / ;fdflhs ;]jf sfo{ ;DkGg u/]sf] .

!=@ cf=j=@)&#.)&$ b]lv INFODEVELOPERS PVT. Ltd., ;fg]kf nlntk'/sf] cTofw'lgs CORE BANKING SOLUTION (Infi nity) Software ;dofg'sn kl/dfh{g ub}{ ;b:ox?nfO{ cTofw'lgs a}+lsª ;]jfx? h:t} SMS Banking, Mobile and Dishhome Recharge, Domestic Air ticketing ;fy} Utility payment ;'ljwfx? k|bfg ub}{ cfO/x]sf] / cf=j=)&$.)&% af6 ATM ;'ljwf h:tf yk ;]jf ;d]t k|bfg ug]{ sfo{nfO{ lg/Gt/tf lbPsf] .

!=# sfof{no Joj:yfkgsf] nflu cfjZos kg]{ ;jf/L ;fwgx?, kmlg{r/, k"+lhut sfof{no Joj:yfkg vr{, l;=l;=Sofd]/f Joj:yfkg, sfof{nox? aLr g]6jls{ª ;fy} cGo sfof{no Joj:yfkgsf cfjZos ;DklQ ;fdfgx? yk vl/b u/L cfw'lgs sf]8 gDa/ ;lxt k|of]udf NofO{Psf] . ;fy} gf]6 u0fgf d]lzg / ljB'lto xflh/L k4tL nfu' ub}{ ;+:yfn] cfk\mgf] ATM d]lzg vl/b ug]{ ;+emf}tf / Tablet Banking sfo{sf] nflu Tablet x? k|of]u ePsf 5g\ .

!=$ ;+:yfsf] ljlgod @)%) -;+zf]lwt ;lxt_ nfO{ ;xsf/L P]g @)&$, d'n'sL b]jfgL ;+lxtf P]g @)&$ tyf ;xsf/L;Fu ;DalGwt ;/sf/L P]g lgod cg';f/ ;+zf]wg u/L sfof{Gjogdf NofPsf] .

n]vf tyf ;'kl/j]If0f ;ldltsf] cf=j= @)&^.)&& sf] cfGtl/s n]vf

k/LIf0f k|ltj]bg;'Gb/ >]i7 ;+of]hs


!=% cf=j=@)&^.)&& df klg cfGtl/s n]vf k/LIfssf] Joj:yf u/L q}dfl;s ?kdf lj:t[t k|ltj]bg k]z ug]{ u/L cf=j=@)&^.)&& sf nflu >L Sapkota S.and Asscociates af6 cfGtl/s n]vfk/LIf0f sfo{ u/]sf] .

!=^ ls;fg–@ sfo{qmd lg/Gt/ ?kdf ;+rfngdf /x]sf] . !=& k|fKt ;Nnfx ;'emfax?sf] sfof{Gjog ePsf] .

@= cf=j= @)&^.)&& df a;]sf] a}7s ;+Vof / sfof{Gjogsf] cj:yfM@=! ;+rfns ;ldltsf] a}7s !& k6s a;L cfjZos lg0f{o eO{ k|fyldstfsf] cfwf/df qmdzM

sfof{Gojg ub}{ cfPsf] .@=@ n]vf tyf ;'kl/j]If0f ;ldltsf] a}7s !% k6s a;L cfjZos lg0f{o eO{ k|fyldstfsf] cfwf/df

qmdzM sfof{Gojg ub}{ cfPsf] .@=# C0f nufgL tyf c;'nL pk ;ldltsf] a}7s @& k6s a;L cfjZos lg0f{o eO{ k|fyldstfsf]

cfwf/df qmdzM sfof{Gojg ub}{ cfPsf] .@=$ sfo{ ;Dkfbg pk ;ldltsf] a}7s @^ k6s a;L cfjZos lg0f{o eO{ k|fyldstfsf] cfwf/df

qmdzM sfof{Gojg ub}{ cfPsf] .@=% lzIff pk ;ldltsf] a}7s @ k6s a;L cfjZos lg0f{o eO{ k|fyldstfsf] cfwf/df qmdzM

sfof{Gojg ub}{ cfPsf] .@=^ :jfZYo pk ;ldltsf] a}7s !! k6s a;L cfjZos lg0f{o eO{ k|fyldstfsf] cfwf/df qmdzM

sfof{Gojg ub}{ cfPsf] .@=& n3'laQ pk ;ldltsf] a}7s @ k6s a;L cfjZos lg0f{o eO{ k|fyldstfsf] cfwf/df qmdzM

sfof{Gojg ub}{ cfPsf] .@=* ;+rf/ ;dGjo tyf k|rf/ k|;f/ pk ;ldltsf] a}7s @ k6s a;L cfjZos lg0f{o eO{

k|fyldstfsf] cfwf/df qmdzM sfof{Gojg ub}{ cfPsf] .@=( ;DklQ ;fdfg vl/b tyf 5kfO{ pk ;ldltsf] a}7s $ k6s a;L cfjZos lg0f{o eO{

k|fyldstfsf] cfwf/df qmdzM sfof{Gojg ub}{ cfPsf] .@=!)ACCESS sfo{bnsf] a}7s @ k6s a;L cfjZos lg0f{o eO{ k|fyldstfsf] cfwf/df qmdzM

sfof{Gojg ub}{ cfPsf] .@=!! cg';Gwfg ;]jf tyf ;+:yfut ljsf; pk ;ldltsf] a}7s ! k6s a;L cfjZos lg0f{o eO{

k|fyldstfsf] cfwf/df qmdzM sfof{Gojg ub}{ cfPsf] .@=!@ hf]lvd Go'lgs/0f sfo{bnsf] a}7s # k6s a;L cfjZos lg0f{o eO{ k|fyldstfsf] cfwf/df

qmdzM sfof{Gojg ub}{ cfPsf] .

#= C0f nufgL k|lqmof, C0f jfktsf] ;'/If0f jf lwtf] ;DaGwL Joj:yfM;+:yfsf] C0f nufgL tyf c;'nL lgodfjnL cg';f/ ;+rflnt n3'laQ, JolQmut / cfsl:ds C0f

afx]s cGo C0fx?df cfjZos lwtf] ;'/If0fsf ;fy} ;fv ;'rgf lnO{ ?=!) nfv eGbf dflysf] C0fdf lwtf] d'Nof+sgstf{x?P=cf/=O{lGhlgo;{ k|f=ln=ag]kf *, lknf]l6; O{lGhlgol/ª P08 sG;N6]G;L, ag]kf !$, gSZff 8]enk;{ O{lGhlgol/ª sG;N6]G;L, ag]kf *, Ogf]e]zg O{lGhlgol/ª ;le{; k|f=ln=, kgf}tL $ / l8hfOg ;]6 O{lGhlgol/ª sG;N6]G6 ag]kf & ;+u ;+emf}tf u/L lwtf] d'Nof+sg ug]{ sfo{ ;DkGg eO{/x]sf] .


$= ;xsf/L ljefuaf6 hf/L ul/Psf dfkb08x?sf] kfngf ;DalGw ljj/0fM;+:yfn] ;xsf/L P]g @)&$ ;xsf/L lgodfjnL @)&% tyf ;xsf/L ljefusf] gLlt lgb]{zgx?nfO{ kfngf ub}{ cfPsf] kfOof] .

%= ;xsf/L ljefu tyf ;DalGwt ;+3n] lgb]{lzt tyf ;'emfjx? sfof{Gjog ;DjGwL ljj/0fM;xsf/L ljefu, :yfgLo lgsfox? / /fh:j sfof{nosf] lgb]{zg, cfos/ P]g / ;+:yfsf] ljlgod, cflbsf] lgodfg';f/ k'0f{ ?kn] kfngf u/]sf] kfOof] .

^= kbflwsf/Lx?sf] kfl/>lds, eQf / cGo ;'ljwfx?sf] ljj/0fM^=! ;+:yfsf s'g} klg kbflwsf/Lx?n] kfl/>lds lng] gu/]sf] . ^=@ a}7s eQf M a}7s a;]sf] cj:yfdf lgDgfg';f/ lng] u/]sf] M

^=@=! ;+rfns ;ldltn] k|lt a}7s eQf ?=@))), df lgodfg';f/ s/ s§L u/L / :yfg cg';f/ Go'gtd ;fj{hlgs oftfoft ef8f lng] u/]sf] .

^=@=@ n]vf tyf ;'kl/j]If0f / C0f nufgL tyf c;'nL pk ;ldltn] k|lt a}7s eQf ?=@))). df lgodfg';f/ s/ s§L u/L lng] u/]sf] .

^=@=# ljleGg pk ;ldltn] k|lt a}7s eQf ?=!))). df lgodfg';f/ s/ s§L u/L lng] u/]sf] .^=# cGo ;'ljwfx?

^=#=! ;+rfns cWoIf Ho", ;lrj Ho", k|d'v Joj:yfks, ljefluo Joj:yfks, sfof{no Joj:yfks / C0f zfvf k|d'vx?nfO{ ;+:yfut l;dsf8{sf] Joj:yf u/]sf] .

^=#=@ ;+rfns kbflwsf/L tyf ;b:o Ho'x? / n]vf tyf ;'k/Lj]If0f ;ldltn] dfl;s ;+rf/ ;'ljwf / OG6/g]6 ;'ljwf u/L ?=!%)). Dff lgodfg';f/ s/ s§L u/L lng] u/]sf] .

^=#=# ;]jf sfof{no Joj:yfkg pk ;ldlt ;+of]hsHo'n] dfl;s ;+rf/ ;'ljwf ?=@)). lng] u/]sf] .

&= sd{rf/L k|zf;g ;DaGwL Joj:yfx? M&=! ;fwf/0f ;efaf6 kfl/t sd{rf/L k|zf;g ;DaGwL lgodfjnL eP . gePsf] M ePsf] . &=@ sd{rf/L k|zf;g lgodfjnL k|of]udf NofO{Psf] . gNofO{Psf] M NofO{Psf] .&=# egf{ k|lqmof kf/blz{tf / k|ltikwL{ ePsf] . gePsf] M ePsf] .&=$ sfo{/t sd{rf/Lx? / sfo{ af]em aLr tfbDotf /x]sf] . g/x]sf] M /x]sf] .

&=% Joj:yfkg k|d'vsf] of]Uotf / Ifdtf ;DjGwL ljj/0fM Joj:yfkg laifodf :gfts / sfo{ ;Dkfbgdf clt ;Ifd /xg' e} cfw'lgs k|ljlw ;DaGwL

/fd|f] 1fg /x]sf], PEARLS, CULCC, CUMCC, CUDCC, ACCESS Master Auditor, CU CEO Compentency Course,Business Continuty Plan h:tf /fli6«o tyf cGt/fli6«o :t/sf tflndx? k|fKt u/L Probation Audit sfo{ tyf tflndsf] k|lzIf0f sfo{df /fd|f] bIftf ePsf] . pxf+n] lhNnf ;xsf/L ;+3, sfe|] / g]kfn art tyf C0f s]Gb|Lo ;xsf/L ;+3 -g]km:s'g_ af6 Best Manager Award k|fKt ug'{ eO{ cfk\mgf] IfdtfnfO{ cem k|dfl0ft ug'{ ePsf] 5 .

&=^ sd{rf/L egf{ k|lqmof / ;+VofM ;+:yfsf] sd{rf/L k|zf;lgs lgodfjnL @)^@ ;+zf]wg ;lxt sf] Joj:yf cg';f/ k|lqmof k'ofO{

sd{rf/L lgo'QmL u/]sf] b]lvG5 . ;+:yfdf @)&& c;f/ d;fGtdf b]xfosf k|s[lt / ;+Vofdf sd{rf/L sfo{/t b]lvG5 .


&=^=! s/f/ $$ hgf&=^=@ c:yfoL # hgf&=^=# :yfoL #& hgf hDdf *$ hgf

;fy} ls;fg @ kl/of]hgf cGtu{t sfo{qmd clws[t !, s[lif h]l6P $ u/L hDdf % hgf laz]if s/f/df lgo'QmL ePsf sd{rf/Lx? sfo{/t /x]sf] b]lvG5 .

*= n]vf tyf ;'kl/j]If0f ;ldltn] o; cl3 lbO{Psf k|ltj]bg adf]lhdsf ;'emfjx?sf] sfof{Gjogsf] cj:yfMn]vf tyf ;'kl/j]If0f ;ldltn] @^ cf}+ ;fwf/0f ;efdf lbO{Psf ;'emfjx?nfO{ sfof{Gjog ug{ ;+rfns ;ldlt ;lqmo /x]sf] kfOof] .

(= n]vf tyf ;'kl/j]If0f ;ldltn] pNn]v ug{ rfx]sf] cGo ljj/0fx?M(=! ;+:yfut n]vf k4ltnfO{ cTofw'lgs k|ljlwaf6 ;'/lIft sfod /fVg] Joj:yf ug'{kg]{ .(=@ ;b:o /fxt ;'ljwf ;do ;fk]If kl/dfh{g ug'{kg]{ .(=# n]vf clen]vg k4ltnfO{ l56f] 5l/tf], r':t b'?:t / yk ;'/lIft / ;xh k|of]usf] nflu ;dofg's'n

/fHo tyf ;xsf/L ljefusf] P]g lgod lgb]{zg cg';f/ kl/dflh{t u/L sfof{Gjog ug'{kg]{ . (=$ Copomis df ;b:otf ljj/0f cWofjlws ug'{kg]{ .

!)= n]vf tyf ;'kl/j]If0f ;ldltsf ;'emfjx?M!)=! ;+:yfut ljQLo sf/f]jf/x? a[l4 xF'b} uPsf] cj:yfnfO{ dWogh/ u/L ;'/Iff Joj:yfsf] nflu

cfjZos ;'/Iff clws[t ;lxtsf] ;'/Iff uf8{sf] Joj:yf ug'{kg]{ . !)=@ gf]6 u0fgf tyf gSsnL gf]6 klxrfg pks/0f ;]jfs]Gb|x?df klg cfjZostf cg';f/ Joj:yf ug'{kg]{ . !)=# If]q la:tf/ tyf la:tfl/t If]qx?df cem u'0f:t/Lo ;]jf k|jfxdf Wofg lbg'kg]{ . !)=$ ;do ;fk]If ;ldlt, pk ;ldlt, ;]jf sfof{no Joj:yfkg pk ;ldlt, ;d'x ;+of]hs, gof+ tyf

k'/fgf z]o/ ;b:ox?sf ;fy} sd{rf/Lx?nfO{ k|bfg ub}{ cfPsf] Ifdtf clea[l4 tflnd, ;]ldgf/, uf]i7L cWoog cjnf]sg e|d0f cflbsf] Joj:yfnfO{ lg/Gt/tf lbg'sf] ;fy} yk Joj:yf ug'{kg]{ .

!)=% ;b:ox?nfO{ u'0f:t/Lo k|lt:klw{ ;]jfdf ;dlk{t x'g cGo ;xsf/L ;+:yfx?nfO{ Plss/0fdf hf]8 lbg'kg]{ .

!)=^ Covid-19 sf] hf]lvd Go'lgs/0fsf pkfox?nfO{ ;+:yfn] z'?jftL cj:yf b]lv g} cjnDjg ub}{ cfPsf]df cem k|efjsf/L ?kdf lg/Gt/tf lbg'kg]{ .

cGTodf ;Dk'0f{ z]o/ ;b:oHo'x?sf] ;b\efj / ;xof]uaf6 ;+:yfn] k|fKt u/]sf] ;kmntfdf ;+:yfsf ;Dk'0f{ ;b:o Pj+ z'e lrGtsx?df xflb{s s[t1tf JoQm ub}{ lg/Gt/ ;xof]usf] ck]Iffsf ;fy cfGtl/s n]vf k/LIf0fsf qmddf ;xof]u k'¥ofpg' x'g] ;Dk'0f{ kbflwsf/L tyf sd{rf/Lx?df xflb{s wGojfb JoQm ub{5f}+ .

;+of]hsM ;'Gb/ >]i7;b:oM /fds'df/ >]i7

;b:oM ;'lznf afb] sltnfwGojfb Û













































o; ljGwjfl;gL art tyf C0f ;xsf/L ;+:yf ln=sf rjfln; xhf/ eGbf jl9 ;]jf pkef]u ug]{ ;b:ox?sf] ul/dfdo @& cf}+ ;fwf/0f ;ef tyf If]qLo ;fwf/0f ;efsf] ;efkltTj ul//xg'ePsf cfb/0fLo ;efktL, tyf ;+:yfsf cWoIfHo", ;+:yfsf pkfWoIfHo", ;lrjHo", sf]iffWoIfHo", ;+rfns ;ldtLsf ;b:oHo'x?, n]vf tyf ;'kl/j]If0f ;ldltsf ;+of]hsHo" Pj+ ;b:oHo"x?, ljleGg pk–;ldtLsf ;+of]hs Pj+ ;b:oHo"x?, ;]jf sfof{no Joj:yfkg ;ldtLsf ;+of]hs Pj+ ;b:oHo'x?, k|d'v Joj:yfksHo", ljefuLo Joj:yfksHo"x?, ;Dk"0f{ sfof{no Joj:yfks / sd{rf/LHo"x?, ;+:yfsf cfb/0fLo z]o/ ;b:oHo"x? / pkl:yt ;Dk"0f{ kqsf/ Pj+ laGwjfl;gLsf z'elrGtsHo'x?df xflb{s ;xsf/L clejfbg .

xfd|f] 3/cfFugdf k|j]z ub} u/]sf] ljhof bzdL, z'e lbkfjnL, g]kfn ;Djt\ !!$! sf] pknIodf ;a}df ;':jf:Yo,lb3f{o",;d[l4 Pj+ pQ/f]Q/ k|ultsf] d+undo z'esfdgf JoQm ub{5', ;fy} dftfb'uf{ ejflgn] Covid 19 sf] dxfdf/LnfO{ k/f:t ug{ zlSt k|fKtxf]; eGg] sfdgf ;d]t ub{5' .

lgodg lgsfo tyf o; ;+:yfn] cjnDjg u/]sf lgtL lgod, ljlw k|ljlw leq /x]/ ;+:yf Mission, Vision, Goal k|fKtLsf nflu lgwf{l/t nIo xfl;n ug{ o; ;ldltn] z]o/ tyf lgIf]k j[l4, u'0f:t/ nufgL, ef=gf=;f+jf / Jofh c;'nL, / eljiodf cfpg ;Sg] hf]lvd Go"lgs/0f /0fgLlt cjnDag u/L sfo{s|d ;+rfngdf k|d'v bfloTj lgjf{x ug]{ / cfufdL lbgdf ;d]t lg/Gt/tf lbg] k|ltj4tf hfx]/ ub{5f}+ .

ut cf=j=@)&^÷&& sf] k|ult

qm=;+= ljj/0f nIo k|ult k|ltztut @)&%.)&^ sf]

k|ult! nufgL 2053262 1875866 91.36 1868831@ ;f+jf c;'nL 1654326 1620081 97.92 1935336# Jofh c;'nL 354470 336953 95.05 300018$ nufgLdf /lx/x]sf] afFsL C0f 2483588 2343454 94.35 2089679

ljZj e/ k}mlnPsf] dxfdf/Lsf sf/0f ut cf=j=df nIo cg'?k zt\k|ltzt k|ult xfl;n ug{ ;lsPg . ut jif{ C0f nufgL tyf c;'nL pk ;ldltn] ^ j6} sfof{nosf] jflif{s nIo k|fKtLsf nfuL cfjZostf cg';f/ pk ;ldltn] lgefPsf] cu|0fL e'ldsf,;dodf g} lbg' kg]{ lgb]{zg / ;xof]u k|bfg u/]sf] ;j{ljlbt} 5 . ;b:onfO{ C0fL xf]O{g, Joj;foL, :jfjnDaL / cfTdlge{/ jgfpg] clek|fosf ;fy ;xsf/Lsf] l;4fGt / dd{ cg'?k ;b:osf] efjgf, rfxgf / ;DefJotfsf cfwf/df kl/of]hgdf cfwfl/t

C0f nufgL tyf c;'nL pk ;ldltsf] cf=j= @)&^÷&& sf] jflif{s k|ltj]bg

led axfb'/ s]=;L= ;+of]hs


u'0f:t/Lo nufgL sfo{qmd ;DkGg ePsf lyP . cfufdL jif{df klg ;do ;fk]If ?kdf ljleGg ju{, tx, If]qdf cfj4 ;b:ox?nfO{ ;jn / ;Ifd jgfpg pgLx?sf] lzk, 1fg, clej[l4 u/L ?rL / cfjZostf cg';f/ sfo{s|d ;+rfng u/L ;b:osf] cfly{s / ;fdflhs kl/jt{g ;Dj[l4 k|fKtLsf nfuL cf–cfˆgf] tx af6 ;xof]u,;b\efj / of]ubfg k|fKt x'g] ck]If /fVb5f}+ . ut jif{ C0f nufgL tyf c;'nL pk ;ldltaf6 eP u/]sf sfdsf] a'Fbfut ?kdf /fVg rfxG5' .

!_ jflif{s cjlwdf @& j6f j}7s a;L @*# hgf ;b:osf] kl/of]hgf, lwtf] lgl/If0f tyf k"g{ d"Nof+sg u/L C0f l;kmfl/; tyf :jLs[t ul/Psf] .

@_ C0f pk ;ldtLaf6 laleGg ldltdf ^ j6} ;]jf sfof{nosf ef=gf C0f tyf p7\g afFsL Aofh c;'nLsf nuL ;b:osf] 3/b}nf] e]63f6, 6]lnkmf]g,:d/0fkq, klqsfdf ;'rgf k|sfzg cflb dfWod4f/ c;'nL tfs]tf ul/Psf] .

#_ ;+:yfsf] laQLo ;"rÍfssf] ljZn]if0f Pj+ ljQLo ahf/sf] cWoog u/L ;+:yfn] lng] lbg] Jofhb/sf] laa/0f tof/ u/L k|To]s q}dfl;s ?kdf Aofhb/ k"g/fjnf]sg u/L ;+rfns ;ldltdf k]z u/]sf] .

$_ C0f pk–;ldlt / s]Gb|Lo sfof{no C0f tyf n3'ljQ ljefusf] ;+o'Qm 6f]nLaf6 ljleGg ldltdf ^ j6} ;]jf sfof{nodf lg/LIf0f cg'udg u/L ;f] sf] k|ltj]bg ;+rfns ;ldltdf k]z u/]sf] / lg/LIf0fsf qmddf cf}NofOPsf q[l6 tyf s}lkmotx? ;'wf/sf nfuL ;DalGwt sfof{nonfO{ lgb]{zg ul/Psf] .

%_ ;+:yf af6 shf{ ;xof]u k|fKt u/L p4]Zo cg';f/ kl/of]hg ;+rfng ug]{, shf{ ;b'kof]u ug]{, tf]lsPsf] e'QmfgL sfo{s|d cg';f/ ;f+jf tyf dfl;s Jofh a'emfpg] ;b:ox?nfO{ c;n C0fL ;x'lnot kl/ro kq kfKt u/]sf !$@ hgf ;b:ox?sf] c;n C0fL ;x'lnot kl/ro kq gljs/0fsf] nfuL ;+rfns ;ldltdf l;kmfl/; ul/Psf] . c;n C0fL ;b:o ;x'lnot kl/ro kq sfo{ljlw adf]lhd lgoldt C0f sf/f]jf/ ug]{ ;]jf sfof{no Joj:yfkg pk ;ldltsf] l;kmfl/; adf]lhd ag]kfsf % hgf, kfFrvfnsf @@ hgf, kgf}tLsf * hgf / 9'+vs{sf ^ hgf ul/ hDdf $! hgf ;b:onfO{ yk gofF c;n C0fL 5gf}6 u/L ;+rfns ;ldltdf l;kmfl/; ul/Psf] .

^_ C0f nufgL tyf c;'nLnfO{ k|efjsf/L agfpg ;do ;fk]If C0f nufgL tyf c;'nL lgodfjnL @)%! -;+zf]lwt @)&^_ nfO{ gLltut ;+zf]wgsf nflu l;kmfl/; ;fy ;+rfns ;ldltdf k]z ul/Psf] .

&_ ;]jf sfof{no kgf}tL, ;]jf sfof{no ag]kf, ;]jf sfof{no es'08] / ;]jf sfof{no kf+rvfndf 7'nf C0fL ;b:o aLr C0f nufgL tyf c;'nL ;DaGwL cGtlqm{of sfo{qmd ;DkGg ul/Psf] / pSt sfo{qmd af6 k|fKt ;'emfjnfO{ sfo{Gjo ul/Psf] .

*_ ;+:yfn] cfof]hgf u/]sf] ljleGg sfo{qmddf ;s[o ;xeflutf hgfPsf] .(_ rfn' jflif{s cf=j=df cjnDjg ul/g] sfo{qmd tyf of]hgf .

s= ;jn ;'/lIft / lbuf] ljQLo ;+:yf agfpg ljutdf cjnDjg ul/Psf /0fgLltnfO{ lg/Gt/tf,nufgL k"j{ k/fdz{,cg';Gwfg,kl/of]hgfdf cfwfl/t ,l;k 1fg P+j gLl/If0f sfo{nfO{ k|efjsf/L nufgL sfo{qmd ;+rfng ul/g] 5 .

v= C0f nufgL tyf c;'nL lgodfjnL -@)%!_ -;+zf]wg ;lxt_ nfO{ ;do ;fk]If ;+zf]wg / kl/dfh{g ub}{ hfg] .


u= C0f nufgL tyf c;'nL ;ldltaf6 lgodfg';f/ lgoldt ?kdf lg/LIf0f, cg'udg tyf ;b'kof]lutf lg/LIf0f ul/g]5 .

3= dxfdf/Ln] ;b:ox?sf] JojzfonfO{ kf/]sf] c;/ jf k|efjsf] cWoog ljZn]if0f u/L k|efjsf/L sfo{qmd ;+rfng ul/g] 5 .

ª= k|To]s ;]jf sfof{non] Biscol sf] klxrfg emNsg] gd'gf Joj;fo 5gf}6 u/L nufgL ug]{ gLltnfO{ k|fyldstf lbg] .

r= P]g, lgod, gLlt ljlw k|ljlw / k|lqmof leq /x]/ kl/of]hgf lgl/If0f,C0f laZn]if0f,gub k|jfx / alnof] cfo>f]tsf] cWoog laZn]if0f u/L u'0ffTds C0f nufgLdf hf]8 lbO{g] 5 .

5= ;b:ox?sf] rfxgf, O{R5f / csf+Iff cg'?k j}b]lzs /f]huf/af6 kmls{Psf / :jb]zd} j]/f]huf/ ;b:onfO{ s[lif ,kz'kfng, ;fd'lxs Joj;flos v]tL, lzkd"ns pBf]u / Jofkf/ Joj;fosf] dfWod af6 :jfjnDjg / cfTdlge{/ u/fpg ;xof]u ldNg] ck]Iff u/L C0f nufgLsf] gofF sfo{qmd yk ul/Psf] 5 .

Covid-19 ;x'lnot C0f M dxfdf/Lsf] sf/0fn] ;b:ox?sf] nfuL clt cfjZos kg]{ vfWog vl/b, cf}iflw pkrf/ dn ljpljhg vl/b ug{ .

b}lgs art C0f M Jofkf/ Joj;fo ug]{ ;b:onfO{ b}lgs jrt u/]sf] /sdsf] cfwf/df C0f k|jfx ug{ .

pBdlzn C0f M j}b]lzs /f]huf/af6 kmls{Psf / :jb]zd} j]/f]huf/ /x]sf lzk / 1fg ePsf pBd ug{ rfxg] ;b:onfO{ :j/f]huf/ l;h{gf ug{ .

s[lif Joj;fo k|j4{g C0f M clwstd ?= !)),))).– -Ps nfv_ ;Dd C0f lnO{ :jfjnDag aGg rfxg] ;b:osf nfuL -ljgf lwtf] kfl/jfl/s hdfgtdf_Joj;fo k|j4{g ug{ .

Joj;flos s[lif tyf kz'kfng C0f M -;fd'lxs tyf JolQmut_ k"Flhsf] cefj ePsf Joj;foL aGg rfxg] / :jf/f]huf/ l;h{gfsf nfuL clwstd ?= @ s/f]8 ;Dd C0f k|jfx ul/g] .

s[lif kl/of]hgf ;+rfng C0f M ls;gf @ sfo{qmdf cfj4 ;b:ox?sf] Joj;fo k|j4{gsf] nfuL .

k'gM:yfkgf C0f M ;b:onfO{ dxfdf/L, b}lj k|sf]k, 7'nf 7'nf ljkb\ -e"sDk, cfunfuL, af9L, klx/f]_ n] ;b:osf] sfj' aflx/sf] kl/l:ytL l;h{gf e} ;b:on] ;+rfng u/]sf] Jojzfo tyf kl/of]hgfdf k|lts'n c;/ kl/ aGb ePsf jf k'0f{?kdf ;+rfng x'g g;s]sf ;b:osf nfuL Jojzfo tyf kl/of]hgf k'g ;+rfng ug{ .

cGTodf, ljZj e/ km}lnPsf] sf]le8 !( sf] dfxfdf/Lsf afah'b klg @)&^÷)&& sf] jflif{s vftfaGbLdf ;+:yfsf] nIo adf]lhd pNn]vlgo k|ult ug{ cf–cfˆgf] txaf6 dxTjk'0f{ of]ubfg ug{' x'g] ljleGg ;ldlt, pk ;ldltx?, ;]jf sfof{no Joj:yfkg pk ;ldlt, ;Dk"0f{ sd{rf/Lx? Pj+ z]o/ ;b:o dxfg'efjx?df C0f nufgL tyf c;'nL pk ;ldltsf] tkm{af6 xflb{s wGojfb JoQm ub{5f}+ .

wGojfb Û



cf=j= @)&^.)&& sf] n3'ljQ sfo{qmdsf] jflif{s k|ult ljj/0f

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d;fGt ;Ddsf] cf=j= )&^.)&& c;f/

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1. ;+:yfut ljj/0f s_ zfvf sfof{no ;+Vof 7 7 v_ Onfsf sfof{no ;+Vof 5 5 u_ s'n sd{rf/L ;+Vof 84 85 3_ lkmN8 sd{rf/L ;+Vof 24 212. ;]jf lj:tf/ s_ sfo{qmd k'u]sf] lhNnf 1 1 v_ sfo{qmd k'u]sf] uf=kf 2 2

u_ sfo{qmd k'u]sf] g=kf= 6 6 3_ s'n s]Gb|÷ o"lg6 ;d'x 765 879 ª_ s'n ;d"x÷pk ;d"x ;+Vof 2471 2692 r_ s'n ;b:o ;+Vof 13843 15642 5_ s'n C0fL ;+Vof 5584 5999 h_ ;d"x 5f8]sf] ;b:o ;+Vof 216 1963. z]o/ k"FhL /sd 89347300.00 110025600.004. art kl/rfng 335214750.60 446677519.405. C0f ljj/0f s_ s"n C0f ljt/0f 809038542.1 1272136659.10 v_ s"n C0f c;"nL 691439232.13 1095530636.00 u_ nufgLdf afsL C0f /sd 217742228.04 279776132.98 3_ s"n efvf gf3]sf] C0f 0 0 ª_ efvf g3fpg] C0fL ;+Vof 0 0 r_ c;"nL b/ 100Ü 100Ü6. ;+rfng l:ylt s_ s"n cfDbfgL 38268165.76 47040455.74 v_ s"n vr{ 31243928.46 27935290.74 gfkmf gf]S;fg 7,024,237.30 19105165.00 7. ;~rfng ;Ifdtf 122.48 127.81


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jflif{s k |ltj ]bg @)&^÷)&&biscol.org.np/wp-content/uploads/2020/11/Annual-Report... · 2020. 11. 20. · ;xsfo{df ;+rfng ul/Psf] 1fgdf cfwfl/t lbuf ] s [lif kl/of ]hgf -ls;fg @