ljQLo ;dfj]lztfaf6 - Mega Bank Nepal · e/tk'/ g=kf=, k 'Nrf ]s, lrtjg kmf]g g += M 056–533940÷41÷42 ÏofS; M 056–533200 d}ltb ]jL zfvf sf=d=g=kf=, d}ltb ]jL, sf7df8f }+} kmf]g

jflif{s k|ltj]bg @)&!÷&@ 1

ljQLo ;dfj]lztfaf6cfly{s ;zlQms/0f

ljifo;"rL

& cWoIfHo"sf] dGtJo

!) ;~rfns ;ldltsf] k|ltj]bg

!( sDkgL P]g @)^# sf] bkmf !)( sf] pkbkmf $ cg';f/sf] cltl/Qm ljj/0f

@@ ;]jf tyf ;'ljwfx¿

@& ;+:yfut ;fdflhs pQ/bfloTj

@( n]vfk/LIfssf] k|ltj]bg

#! jf;nft

#@ gfkmf gf]S;fg lx;fa

## gfkmf gf]S;fg af“8kmf“8 lx;fa

#$ OlSj6Ldf ePsf] kl/j{tg ;DaGwL ljj/0f

#% gub k|jfx ljj/0f

#^ cg';"rLx?

&& g]kfn /fi6« a}+ssf] :jLs[lt kq

2 d]/f] a}+s – d]uf a}+s

d]uf dxnsf=d=g=kf=, sflGtky, sf7df8f}+kmf]g g+= M )!–$@%&&!!ÏofS; M )!–$@^^%(( kf]=a= g+= M @^%%(SWIFT : MBNLNPKA

/fOlh· dxnsf=d=g=kf=, sdnfbL, sf7df8f}+} kmf]g g+= M )!–$!^(@!&÷!^÷)%÷)$ÏofS; M )!–$!^(@!%

zfvfx?

:ofk|m'j]zL zfvf:ofk|m'j]zL–(, /;'jfkmf]g g+= M 010–541001÷02

skg zfvfsf=d=g=kf=, ;/:jtLgu/, sf7df8f}+}kmf]g g+= M 01–4812603÷04÷05ÏofS; M 01–4812602

;lGwvs{ zfvf;lGwvs{ gu/kflnsf, c3f{vf“rLkmf]g g+= M 077–420797÷98ÏofS; M 077–420799

gof“ afg]Zj/ zfvfsf=d=g=kf=, gof“ afg]Zj/, sf7df8f}+}+ kmf]g g+= M 01–4107247÷48÷49ÏofS; M 01–4107250

kf]]v/f zfvfkf]]v/f p=d=g=kf=, Go"/f]8, sf:sL kmf]g g+= M 061–531112÷13ÏofS; M 061–531115

hfjnfv]n zfvfnlntk'/ p=d=g=kf=, hfjnfv]n, nlntk'/kmf]g g+= M 01–5554506÷08÷09ÏofS; M 01–5554507

lj/f6gu/ zfvflj/f6gu/ p=d=g=kf=, /+u]nL/f]8, df]/ªkmf]g g+= M 021–521354÷56ÏofS; M 021–521384

jL/u~h zfvfjL/u~h p=d=g=kf=, cfbZf{gu/, k;f{kmf]g g+= M 051–527476÷528706÷ 528776÷527636ÏofS; M 051–526806

gof“ ;8s zfvfsf=d=g=kf=, lvrfkf]]v/L, gof“ ;8s, sf7df8f}+}kmf]g g+= M 01–4251293÷88÷99 01–4251845ÏofS; M 01–4251515

a'6jn zfvfa'6jn g=kf=, /fd dlGb/ nfOg, ?kGb]xL kmf]g g+= M 071–551601÷02÷03ÏofS; M 071–551604

xl/jg zfvfxl/jg gu/kflnsf–!!, ;nf{xL kmf]g g+= M 046–530638÷39ÏofS; M 046–530640

rf}tf/f zfvfrf}tf/f gu/kflnsf, l;Gw'kfNrf]s kmf]g g+= M 011–620413ÏofS; M 011–620412

b}n]v zfvfgf/fo0f gu/kflnsf, b]jsf]6f rf]s, b}n]vkmf]g g+= M 089–410066÷420567ÏofS; M 089–410099

wgu9L zfvfwgu9L gu/kfnLsf, rf}/fxf, s}nfnL kmf]g g+= M 091–525497÷525391ÏofS; M 091–525496

ljtf{df]8 zfvfljtf{df]8 gu/kflnsf, d'lQmrf]s, ljtf{df]8, emfkf kmf]g g+= M 023–543871÷72ÏofS; M 023–546165

wflbª zfvflgns07 gu/kflnsf, wflbªj]zL, wflbªkmf]g g+= M 010–521102÷03÷04ÏofS; M 010–521105

6]s' zfvfsf=d=g=kf=, 6]s', sf7df8f}+}kmf]g g+= M 01–4224219÷4233261ÏofS; M 01–4238125

dxf/fhu~h zfvfsf=d=g=kf=, rqmky, sf7df8f}+} kmf]g g+= M 01–4721427÷28÷29ÏofS; M 01–4721430

3f]/fxL zfvf3f]/fxL gu/kflnsf, Go"/f]8, bfª kmf]g g+= M 082–563425ÏofS; M 082–563453

w/fg zfvfw/fg gu/kflnsf, efg'rf]s, ;'g;/L kmf]g g+= M 025–531932÷ 521045ÏofS; M 025–520685

gf/fo0fu9 zfvfe/tk'/ g=kf=, k'Nrf]s, lrtjg kmf]g g+= M 056–533940÷41÷42ÏofS; M 056–533200

d}ltb]jL zfvfsf=d=g=kf=, d}ltb]jL, sf7df8f}++}} kmf]g g+= M 01–4419987÷98÷28ÏofS; M 01–4419784

af}4 zfvfsf=d=g=kf=, lkknjf]6, af}4, sf7df8f}++}} kmf]g g+= M 01–4916322÷4910024÷15ÏofS; M 01–4916321

hgsk'/ zfvfhgsk'/ gu/kflnsf, lzjrf]s, wg'iff kmf]g g+= M 041–528761÷62÷67ÏofS; M 041–528768

g]kfnu~h zfvfg]kfnu~h gu/kflnsf, wDaf]hL, af“s]kmf]g g+= M 081–527542÷543, 527018ÏofS; M 081–527389

l7dL zfvfdWok'/ l7dL gu/kflnsf, k'/fgf] l7dL, eQmk'/kmf]g g+= M 01–6639352÷54÷56ÏofS; M 01–6639357

e}/xjf zfvf l;4fy{gu/ gu/kflnsf, e}/xjf, ?kGb]xLkmf]g g+= M 071–524048÷49÷50ÏofS; M 071–524052

;f“km]au/ zfvf ;f“km]au/ gu/kflnsf, ;f“km]au/, c5fdkmf]g g+= M 097–625149÷50ÏofS; M 097–625151

s/kf]/]6 sfof{no÷d'Vo zfvf


d]uf a}+s g]kfn lnld6]8sf] kf“rf}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgfldlt @)&@ kf}if ! ut] -tbg';f/ !^ l8;]Da/ @)!%_ sf lbg a;]sf]] o; a}+ssf] ;~rfns ;ldltsf] !$)cf}+ a}7ssf] lg0f{ofg';f/ a}+ssf]

kf“rf}+ jflif{s ;fwf/0f ;ef lgDg lnlvt ldlt, :yfg / ;dodf lgDg ljifox? pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'“bf sDkgL P]g

@)^# sf] bkmf ^& cg';f/ ;Dk"0f{ z]o/wgL dxfg'efjx?sf] hfgsf/L tyf pkl:yltsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 .

!= ldlt, :yfg tyf ;doM

ldlt M @)&@ ;fn kf}if @^ ut] cfOtaf/ -tbg'';f/ !) hgj/L, @)!^_

:yfg M cfdL{ clkm;;{ Snj, eb|sfnL, sf7df8f+} .

;do M laxfg !!M)) ah]

@= 5nkmnsf ljifox?M

s= ;fdfGo k|:tfjM!= cWoIfHo"sf] dGtJo ;lxtsf] ;~rfns ;ldltsf] jflif{s k|ltj]bg @)&!÷&@ kfl/t ug]{ .

@= n]vfk/LIfssf] k|ltj]bg ;lxtsf] @)&@ cfiff9 d;fGtsf] jf;nft tyf cfly{s jif{ @)&!÷&@ sf] gfkmf gf]S;fg lx;fa / ;f]xL cjlwsf] gfkmf

gf]S;fg af“8kmf“8 lx;fa, gub k|jfx ljj/0f nufotsf ;Dk"0f{ ljQLo ljj/0fx? kfl/t ug]{ .

#= ;~rfns ;ldltn] k|:tfj u/] adf]lhd k|:tfljt af]g; z]o/sf] s/ k|of]hgsf] nflu r'Qmf k'“hLsf] )=%# k|ltztn] gub nfef+z :jLs[t ug]{ .

$= sDkgL P]g, @)^# sf] bkmf !!! cg';f/ cfly{s jif{ @)&@÷&# sf] nflu a}+ssf] n]vfk/LIfs lgo'Qm u/L lghsf] kfl/>lds lgwf{/0f ug]{ .

%= @)&@ ;fn a}zfvdf uPsf] e"sDkaf6 lkl8tx?sf] ;xof]ufy{ ul/Psf] vr{ /sd cg'df]bg ug]{ .

^= ;+:yfks z]o/wgLx?sf] tkm{af6 k|ltlglwTj ug]{ æsÆ ;d"xsf ^ hgf ;~rfnsx?sf] lgjf{rg ug]{ .

v= ljz]if k|:tfjM!= ;~rfns ;ldltn] k|:tfj u/] adf]lhd r'Qmf k'“hLsf] !) -bz_ k|ltztsf b/n] af]g; z]o/ hf/L ug{ :jLs[lt k|bfg ug]{ / af]g; z]o/ hf/L u/]

kZrft\ sfod x'g] leGg c+s (Fraction) nfO{ eljiodf ;dfof]hg ug]{ u/L oyfjt /fVg] .

@= ;~rfns ;ldltn] k|:tfj u/] adf]lhd xfnsf] clws[t k'“hL ?= $,)),)),)),)))÷– -rf/ ca{ ?k}of“_ af6 j[l4 u/L ?= !),)),)),)),)))÷–

-bz ca{ ?k}of“_, hf/L k'“hL ?= @,^),(^,)),)))÷– -b'O ca{ ;f7L s/f]8 5ofgAa] nfv ?k}of“_ af6 j[l4 u/L ?=$,)%,)&,!*,(#@÷– -rf/ ca{

kf“r s/f]8 ;ft nfv c7f/ xhf/ gf} ;o alQ; ?k}of“_ / r'Qmf k'“hL ?= @,^),(^,)),)))÷– -b'O ca{ ;f7L s/f]8 5ofgAa] nfv ?k}of“_ af6 j[l4

u/L ?= $,)%,)&,!*,(#@÷– -rf/ ca{ kf“r s/f]8 ;ft nfv c7f/ xhf/ gf} ;o alQ; ?k}of“_ k'¥ofpg] / ;f]xL adf]lhd a}+ssf] k|aGwkq tyf

lgodfjnLsf ;DalGwt bkmf tyf lgodx?df ;+zf]wg ug]{ ;DaGwL ljz]if k|:tfj kfl/t ug]{ .

#= klZrdf~rn 8]enkd]G6 a}+s lnld6]8;“u hf/L dh{/ sfo{ ;DkGg e};s]kl5 sfod x'g cfpg] a}+ssf] r'Qmf k'“hLsf] @% k|ltzt cyf{t $M! sf]

cg'kftdf xsk|b z]o/ lgisfzg ug]{ ;DaGwL ljz]if k|:tfj kfl/t ug]{]{ / ;f]xL adf]lhd k|aGwkq tyf lgodfjnLsf ;DalGwt bkmf Pj+ lgodx?df

;+zf]wg ug]{ .

$= a}+ssf] k|aGwkqsf] bkmf ^-ª_ df ;+zf]wg u/L g]kfn /fi6« a}+saf6 hf/L PsLs[t lgb]{zg @)&@ sf] lgb]{zg g+= !) sf] a'“bf !% adf]lhd a}+ssf]

;+:yfks ;d"xsf] z]o/ :jfldTjnfO{ %! k|ltzt / ;j{;fwf/0f ;d"xsf] z]o/ :jfldTjnfO{ $( k|ltzt sfod ug]{ ;DaGwL ljz]if k|:tfj kfl/t ug]{ .

%= a}+ssf] k|aGwkqsf] bkmf @-!_, bkmf ^ sf] pkbkmfx? qmdzM -3_ / -r_, bkmf *-u_ tyf lgodfjnLsf] lgod @-!_, lgod !), lgod @%-$_, lgod

@&-@_ / lgod #! df cfjZos ;+zf]wg ug]{ tyf a}+ssf] k|aGwkqsf] bkmf *-u_ kl5 -u!_ / lgodfjnLsf] lgod !@-#_ kl5 -#s_ / lgod #@-!_-u_

sf] qmd ;+Vof -p_ kl5 -p!_ yk ug]{]{ ;DaGwL ljz]if k|:tfj kfl/t ug]{ .

^= g]kfn /fi6« a}+saf6 hf/L PsLs[t lgb]{zg @)&@ sf] lgb]{zg g+= ^ sf] a'“bf !-!^_ tyf a'“bf #-!)_ adf]lhd a}+ssf cWoIf, ;~rfns tyf a}+ssf

sfo{sf/L k|d'v nuftf/ @ k6s eGbf a9L pQm kbdf lgjf{lrt, dgf]lgt jf lgo'Qm x'g g;Sg] u/L a}+ssf] lgodfjnLdf Joj:yf ug'{ kg]{ eGg]

k|fjwfg adf]lhd a}+ssf] lgodfjnLsf] lgod #) tyf #^ df cfjZos ;+zf]wg ug]{ ;DaGwL ljz]if k|:tfj kfl/t ug]{ .

&= k|aGwkq tyf lgodfjnLsf] ;+zf]wgdf lgodgsf/L lgsfo -g]kfn /fi6« a}+s, sDkgL /lhi6«f/sf] sfof{no cflb_ af6 km]/abn ug{ ;'emfj k|fKt ePdf

;f] cg'?k cfjZos ;dfof]hg ug{ ;~rfns ;ldltnfO{ clVtof/L k|bfg ug]{ .

*= d]uf a}+s g]kfn lnld6]8 / klZrdf~rn 8]enkd]G6 a}+s lnld6]8 Ps cfk;df ufEg] ufleg] -dh{/_ ;DaGwdf b]xfo adf]lhdsf ljz]if k|:tfj kfl/t

ug]{ M

-s_ d]uf a}+s g]kfn lnld6]8 / klZrdf~rn 8]enkd]G6 a}+s lnld6]8 Ps cfk;df ufEg] ufleg] k|of]hgsf nflu d]uf a}+s g]kfn lnld6]8 /

klZrdf~rn 8]enkd]G6 a}+s lnld6]8sf] z]o/ cfbfg k|bfg cg'kft !)$=@% M ^& sfod x'g] u/L b'a} ;+:yfsf] ;DklQ tyf bfloTjsf] d"NofÍg

k|ltj]bgnfO{ kfl/t ug]{ / ;f]xL adf]lhd d]uf a}+s g]kfn lnld6]8 / klZrdf~rn 8]enkd]G6 a}+s lnld6]8 Ps cfk;df ufEg uflegsf] nflu clGtd

:jLs[lt k|bfg ug]{ / o; ufEg] ufleg] k|of]hgsf nflu ul7t ;+o'Qm dh{/ sld6Laf6 lgo'Qm ;DklQ tyf bfloTjsf] d"NofÍgstf{ n]vfk/LIfs rf6{8{

PsfpG6]06 >L uf]kfn s'df/ >]i7sf] lgo'QmL tyf lghsf] kfl/>ldsnfO{ cg'df]bg ug]{ .

-v_ d]uf a}+s g]kfn lnld6]8 / klZrdf~rn 8]enkd]G6 a}+s lnld6]8 Ps cfk;df ufEg ufleg g]kfn /fi6« a}+saf6 ldlt @)&! r}q !@ ut] ;}4flGts

;xdlt k|fKt ePsf] x'“bf b'a} ;+:yf lar ufEg] ufleg] -dh{/_ ;DaGwdf ul/Psf] clGtd ;Demf}tfnfO{ cg'df]bg ug]{ / dh{/;“u ;DalGwt dh{/ tyf

PlSjlh;g sld6L, ;+o'Qm dh{/ sld6L / ;~rfns ;ldltn] u/]sf ;Dk"0f{ lg0f{ox?nfO{ cg'df]bg ug]{ .

4 d]/f] a}+s – d]uf a}+s4 d]/f] a}+s – d]uf a}+s

-u_ d]uf a}+s g]kfn lnld6]8 / klZrdf~rn 8]enkd]G6 a}+s lnld6]8 Ps cfk;df ufEg] ufleg] ;DaGwdf lgodgsf/L lgsfo tyf cGo ;DalGwt

lgsfox?af6 k|fKt x'g cfpg] lgb]{zg adf]lhd k|aGwkq, lgodfjnL nufot s'g} klg ljifodf ;+zf]wg, kl/dfh{g, yk36 nufot cGo cfjZos

kl/jt{g ug{ ;Sg] u/L ;~rfns ;ldltnfO{ k"0f{ clVtof/L k|bfg ug]{ .

(= a}+sdf csf]{ s'g} a}+s jf ljQLo ;+:yf Ps cfk;df ufEg] jf ufleg] -dh{/_ tyf k|fKtL -PlSjlh;g_ ug]{ ;DaGwdf ;DalGwt a}+s tyf ljQLo

;+:yfsf] rn crn ;DklQ / bfloTj tyf sf/f]af/sf] kl5Nnf] d"NofÍg (Due Diligence Audit) ug{ dfGotf k|fKt -:jb]zL jf ljb]zL_ d"NofÍgstf{

lgo'QmL ug{, lghsf] kfl/>lds tf]Sg] nufotsf dh{/ tyf PlSjlh;g;“u ;DalGwt cfjZos ;Dk"0f{ sfo{ ug{ ;~rfns ;ldltnfO{ clVtof/L k|bfg

ug]{ .

u= ljljwM

;fwf/0f ;ef ;DaGwL ;fdfGo hfgsf/LM!= ldlt @)&! df3 !$ ut] o; a}+s tyf klZrdf~rn 8]enkd]G6 a}+s lnld6]8 lar Ps cfk;df ufEg] / ufleg] ;DaGwdf ;}4flGts ;xdlt eP

kZrft\ a}+ssf] z]o/ sf/f]af/ ldlt @)&! df3 !% ut] b]lv /f]Ssf /xsf]n] ldlt @)&! df3 !$ ut] ;Dd g]kfn :6s PS;r]Gh lnld6]8df z]o/

sf/f]af/ eO{ s'g} sf/0fn] bflvn vf/]h x'g 5'6 ePsf z]o/ eP of] ;"rgf k|sflzt ePsf] ;ft lbg leq a}+ssf] z]o/ /lhi6«f/ gljn O{Ge]i6d]G6

a}+lsË lnld6]8, gf/fo0frf}/, gS;fndf a'emfpg' x'g cg'/f]w ul/G5 / ;f] ldlt ;Dd gljn OGe]i6d]G6 a}+lsË lnld6]8df k|fKt x'g] z]o/sf

z]o/wgLx?nfO{ ;fwf/0f ;efdf ;xefuL u/fOg] 5 .

@= ;ef x'g] lbg ;efdf pkl:yltsf nflu xflh/L k'l:tsf laxfg (M)) ah] b]lv ck/fGx @M)) ah] ;Dd v'Nnf /xg] 5 . xflh/L hgfpgsf] nflu

z]o/wgL dxfg'efjx?n] cfkm\gf] kl/rokq jf ;Ssn z]o/ k|df0fkq k|:t't ug'{ kg]{ 5 eg] cfkm\gf] z]o/ k|df0fkqx? cef}tLlss/0f u/fO{ ;Sg'

ePsf z]o/wgL dxfg'efjx?sf] xsdf Demat vftf gDa/ / ;Ssn cflwsf/Ls kl/rokq clgjfo{ ?kdf k|:t't ug'{ kg]{ 5 .

#= a}+sn] lgwf{/0f u/]sf] 9f“rfdf a}+ssf] 5fk / sDkgL ;lrjsf] b:tvt ePsf] k|ltlglwkq -k|f]S;L_ kmf/fdnfO{ dfq dfGotf lbO{g] 5 .

$= k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] ;Dk"0f{ z]o/sf] k|ltlglw Pp6} JolQm x'g] u/L k|ltlglwkq -k|f]S;L kmf/fd_ e/L a}+ssf] s]Gb|Lo

sfof{no l:yt lgjf{rg clws[tsf] sfof{nodf ;ef z'? x'g' eGbf slDtdf &@ 306f cuf8L btf{ u/L ;Sg' kg]{5 . o;/L k|ltlglw -k|f]S;L_ lgo'Qm

ul/Psf] JolQm a}+ssf] z]o/wgL x'g clgjfo{ 5 .

%= Ps} z]o/wgLn] PseGbf a9L k|ltlglw -k|f]S;L_ lgo'Qm ug'{ ePsf] cj:yfdf æd}n] o; cl3 lbPsf] ;a} k|ltlglwkq -k|f]S;L_ ab/ u/L of] k|ltlglw

-k|f]S;L_ nfO{ dfGotf lbO{of];\Æ egL 5'§} kq n]vL k7fPsf] cj:yfdf cGo ;a} k|ltlglw -k|f]S;L_ ab/ eO{ ;f]xL kq ;fy k|fKt k|ltlglwkq -k|f]S;L_

dfq dfGo x'g] 5 . ;f] adf]lhd gu/L Ps} z]o/wgLn] Ps eGbf a9L JolQmnfO{ s'g} lsl;daf6 ljefhg u/L jf gu/L k|ltlglw -k|f]S;L_ lgo'Qm u/]sf]

kfO{Pdf To:tf] ;a} k|ltlglw -k|f]S;L_ ab/ x'g] 5 .

^= ;efdf efu lng k|ltlglw -k|f]S;L_ lgo'Qm ul/;s] kl5 ;DalGwt z]o/wgL :jo+ ;efdf pkl:yt x'g' ePdf z]o/wgLsf] k|ltlglw -k|f]S;L_ :jtM ab/

x'g] 5 .

&= s'g} ;+ul7t ;+:yf jf sDkgLn] z]o/ vl/b u/]sf] xsdf To:tf ;+ul7t ;+:yf jf sDkgLn] dgf]lgt u/]sf] k|ltlglwn] z]o/jfnfsf] x}l;otn] ;efdf

efu lng ;Sg' x'g] 5 .

*= gfjfns tyf czQm z]o/wgLx?sf] tk{maf6 a}+ssf] z]o/ nut lstfadf ;+/Ifssf] ?kdf gfd btf{ ePsf] JolQmn] ;efdf efu lng jf dtbfg ug{

jf k|ltlglw -k|f]S;L_ tf]Sg ;Sg' x'g] 5 .

(= o; a}+ssf] ;~rfns lgjf{rg ;DaGwL lgb]{lzsf, @)^* z]o/wgLx?n] a}+ssf] s]lGb|o sfof{noaf6 ?= !,)))÷– z'Ns lt/L k|fKt ug{ ;Sg' x'g] 5 .

!)= ;d"x æsÆ cGtu{tsf ;~rfnsx?sf] lgjf{rg ;DaGwL lj:t[t hfgsf/Lsf] nflu a}+ssf]] /lhi68{ sfof{no, d]uf dxn sflGtky, sf7df8f}+ l:yt

lgjf{rg clws[tsf] sfof{nodf ;Dks{ /fVg' x'g cg'/f]w ul/G5 .

!!= ;d"x æsÆ sf ;~rfnsx?sf] lgjf{rgdf dtbfg ug{ cfp“bf ;+:yfks z]o/wgLx?n] cfkm\gf] ;Ssn z]o/ k|df0fkq / kl/rokq clgjfo{ ?kdf

;fydf lnO{ cfpg' x'g cg'/f]w ul/G5 .

!@= ;'/Iffsf] b[li6sf]0fn] ;efdf pkl:yt x'g] z]o/wgL dxfg'efjx?n] oyfzSo emf]nf, Kofs]6 cflb glnO{ cfpg' x'g cg'/f]w 5 . ;'/IffsdL{n] ;efsIfdf

k|j]z ug{sf] nflu ;'/Iff hf“r ug{ ;Sg] x'“bf ;f] sfo{df ;xof]u ul/lbg' x'g ;d]t cg'/f]w ul/G5 .

!#= ;fwf/0f ;ef ;DaGwL yk hfgsf/Lsf] nflu a}+ssf] s]lGb|o sfof{nosf] kmf]g g+= $@%&&!! cyjf $!^(@!& PS;6]G;g !)), #)) / $)) jf

a}+ssf] z]o/ /lhi6«f/ gljn O{Ge]i6d]G6 a}+lsË lnld6]8, gf/fo0frf}/, gS;fnsf] kmf]g g+= $$!)&#& df ;Dk{s /fVg' x'g cg'/f]w 5 .

cGo yk hfgsf/LM;efdf 5nkmn ul/g] ;~rfns ;ldltsf] jflif{s k|ltj]bg, n]vfk/LIfssf] k|ltj]bg ;lxtsf] jf;nft, gfkmf gf]S;fg lx;fa / ;f] ;“u ;DalGwt

cg';"rLx? ;d]tsf] k'l:tsf a}+ssf] s]lGb|o sfof{no, zfvf sfof{nox?, a}+ssf] z]o/ /lhi6«f/ gljn O{Ge]i6d]G6 a}+lsË lnld6]8, gS;fn / ;fwf/0f

;ef x'g] lbg ;fwf/0f ;ef :yndf pknAw u/fO{g] 5 . ;fy} pQm k|ltj]bg a}+sdf pknAw ePsf] z]o/wgLx?sf] O{d]n 7]ufgf / a}+ssf] j]e;fO{6

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cWoIfHo"sf] dGtJocfb/0fLo z]o/wgL dxfg'efjx?, d]uf a}+s g]kfn lnld6]8sf] kf“rf+} jflif{s ;fwf/0f ;efdf

pkl:yt x'g' ePsf ;Dk"0f{ z]o/wgL dxfg'efjx¿nfO{ ;~rfns

;ldltsf] tkm{af6 d xflb{s :jfut tyf clejfbg JoQm ug{

rfxG5' . ;fy}, o; ;fwf/0f ;efdf pkl:yt eP/ a}+ssf]

jflif{s k|ltj]bg oxf“x¿ ;dIf k|:t't ug{ kfp“bf dnfO{ cToGt}

v'zL nfu]sf] 5 .

cGt/f{li6«o d'b|fsf]ifn] ;fj{hlgs u/]sf] ljZj cfly{s kl/b[Zo

(World Economic Oultook) sf] cS6f]a/ @)!% c+sdf ;g\

@)!% df ljZjsf] cfly{s j[l4b/ #=! sfod /xg] hgfOPsf]

5 . ;g\ @)!$ Dff #=$ /x]sf] pQm b/ ;g\ @)!^ ;Dddf

#=^ k' g] cg'dfg ul/Psf] 5 . cl3Nnf] jif{sf] t'ngfdf

ljsl;t cy{tGqx?sf] cfly{s j[l¢b/df s]xL ;'wf/ cfpg]

ck]Iff ul/Ptf klg pbLodfg tyf ljsf;zLn b]zx?df

eg] j[l¢b/ cem} ;':t /xg] cg'dfg ul/Psf] 5 . j:t'efjsf]

36\bf] d"No, k'“hL kl/rfnfgdf x|f;, d'b|fdf bjfj tyf ljQLo

ahf/df c;Gt'ngsf sf/0f ljz]iftM pbLodfg tyf ljsf;zLn

b]zx?sf] cy{tGqx?nfO{ k|efj kfg]{ b]lvG5 .

;g\ @)!$ df !=* n] j[l4 ePsf] ljsl;t d'n'sx?sf] cfly{s

ultljlw ;g\ @)!% df @=) n] j[l4 x'g] cg'dfg ul/Psf]

5 h; dWo] ;g\ @)!$ df @=$ /x]sf] cd]l/sfsf] cfly{s

j[l4b/ ;g\ @)!% df @=^ n] a9\g] tyf o"/f]k]nL d'n'sx?sf]

;g\ @)!$ sf] )=( sf] j[l4b/ @)!% df !=% n] j[l4 x'g]

cg'dfg ul/Psf] 5 . pbLodfg tyf ljsf;zLn b]zx?sf]

cfly{s j[l4b/ ;g\ @)!$ Dff $=^ /x]sf]df ;g\ @)!% df

$=) sfod /xg] k|If]k0f ul/Psf] 5 h; dWo] ef/tsf] j[l4b/

;g\ @)!$ ;/x g} @)!% Dff klg &=# n] tyf rLgsf] j[l4b/

;g\ @)!$ sf] &=# sf] t'ngfdf ;g\ @)!% df ^=* df

;Lldt /xg] ;d]t cGt/f{li6«o d'b|fsf]ifn] k|If]k0f u/]sf] 5 .

cfly{s jif{ @)&!÷&@ Dff b]zsf] s"n ufx{:Yo pTkfbg

cfwf/e"t d"Nodf #=) n] / pTkfbssf] d"Nodf #=$ n] j[l4

ePsf] s]Gb|Lo tYofÍ ljefusf] k|f/lDes cg'dfg 5 . cl3Nnf]

jif{ o:tf] j[l4b/ qmdzM %=! / %=$ /x]sf] lyof] . ;dLIff

jif{df s[lif tyf u}/–s[lif If]qsf] j[l4b/ qmdzM !=( / #=^

/x]sf] cg'dfg 5, h'g cl3Nnf] jif{ qmdzM @=( / ^=# /x]sf]

lyof] . d"ntM df};dL k|lts"ntfsf sf/0f s[lif If]q k|efljt

ePsf] b]lvG5 eg] u}/–s[lif If]qsf ultljlwx? @)&@ a}zfv

!@ ut]sf] e"sDksf sf/0f a9L k|efljt ePsf] b]lvG5 . /fli6«o

of]hgf cfof]uaf6 k|sflzt ljkb\kl5sf] cfjZostf cf“sng

k|ltj]bg @)&@ cg';f/ e"sDkn] cy{tGqdf sl/a ?= & va{sf]

Iflt k'¥ofPsf] 5 . pQm Iflt dWo] ;fdflhs If]qdf %&=* ,

pTkfbgd'ns If]qdf @%=@ , k"jf{wf/ If]qdf (=% / af“sL

&=% cGo If]qdf Iflt ePsf] 5 h;n] s"n ufx{:Yo pTkfbgdf

?= #^ ca{sf] gf]S;fgL k'¥ofPsf] 5 .

cfly{s jif{ @)&!÷&@ sf] pkef]Qmf d"No ;"rsfÍdf cfwfl/t

cf}ift d'b|f:kmLlt b/ &=@ /x]sf] 5 . vfB tyf k]o kbfy{

;d"xsf] d"No j[l4b/ (=^ / u}/–vfB tyf ;]jf ;d"xsf] d"No

j[l4b/ %=@ /x]sf] 5 . cfly{s jif{ @)&!÷&@ df df}lb|s

lj:tf/ ck]lIft :t/df /x]sf], k]6«f]lnod kbfy{sf] d"Nodf

lu/fj6 cfPsf] / l5d]sL d'n'sdf ;d]t d"Noj[l4 lgolGqt

:t/df /x]sf]n] jflif{s cf}ift d'b|f:kmLlt b/ nlIft ;Ldf

eGbf s]xL tn cyf{t\ &=@ sf] xf/fxf/Ldf /x]sf] cg'dfg 5 .

cl3Nnf] jif{df o:tf] d'b|f:kmLlt b/ (=! /x]sf] lyof] .

;dLIff cjlwdf s"n j:t' lgof{t &=# n] 36]sf] 5 eg] s"n

j:t' cfoft *=$ n] j[l4 ePsf] 5 . s"n Jofkf/ 3f6f !)=*

n] j[l4 eO{ ?= ^*( ca{ #& s/f]8 k'u]sf] 5 . cl3Nnf] jif{sf]

;f]xL cjlwdf o:tf] Jofkf/ 3f6f @(=& n] a9]sf] lyof] .

@)&! cfiff9 d;fGtsf] ?= ^^$ ca{ $! s/f]8sf] t'ngfdf

@)&@ cfiff9 d;fGtdf s"n ljb]zL ljlgdo ;l~rlt @#=*

n] j[l4 eO{ ?= *@# ca{ *& s/f]8 k'u]sf]] 5 . cfly{s jif{

@)&!÷&@ df ;du| zf]wgfGt/ l:ylt xfn ;Dds} pRr cyf{t\

?= !$$ ca{ *% s/f]8n] artdf /x]sf] 5 . cl3Nnf] jif{ o:tf]

art ?= !@& ca{ !# s/f]8 /x]sf] lyof] . ;dLIff jif{df rfn"

8 d]/f] a}+s – d]uf a}+s

vftf ?= !)* ca{ #@ s/f]8n] artdf /x]sf] 5 h'g cl3Nnf] jif{

?= *( ca{ &@ s/f]8n] artdf /x]sf] lyof] .

cfly{s jif{ @)&!÷&@ Dff klg a}+lsË If]qdf t/ntfsf] ;xh

cj:yf ljBdfg g} /x\of] . ;dLIff jif{df jfl0fHo a}+s ;d"xsf] lgIf]k

kl/rfng !^=(& -?= @)$ ca{_ n] j[l4 eO{ ?= !,$)( ca{ k'u]sf]

5 eg] shf{ @@=@* -?= @)! ca{_ n] j[l4 eO{ ?= !,!)# ca{ k'u]sf]

5 . o;df d]uf a}+ssf] lx:;f lgIf]kdf !=%) tyf shf{df !=^#

/x]sf] 5 h'g cl3Nnf] jif{ qmdzM !=$@ tyf !=^% /x]sf] lyof] .

@)&@ cfiff9 d;fGt ;Dd jfl0fHo a}+sx?sf] ;+Vof #) sfod ePsf]

5 . ufEg]÷ufleg] k|s[ofsf] k|efj cGo ljQLo ;+:yfx?df klg k/]sf]

b]lvG5 . ljsf; a}+sx?sf] ;+Vof cl3Nnf] jif{sf] *$ af6 36]/ &^

tyf kmfOgfG; sDkgLx?sf] ;+Vof %# af6 36]/ $* sfod ePsf]

5 .

@)&@ a}zfv !@ ut]sf] e"sDk tyf To; kl5sf k/fsDkgsf sf/0f

d'n'sdf 7"nf] kl/df0fdf hgwgsf] Iflt tyf cy{tGqdf ;+s'rg

cg'ej ul/P;+u} hf]lvdsf] bfo/f ;d]t km/flsnf] ePsfn] cfly{s

jif{ @)&!÷&@ sf/f]af/sf] b[li6sf]0fn] yk r'gf}ltk"0f{ /xg uof] .

o;sf cnfjf /fhgLlts ultljlwx?n] ;d]t k"0f{ ?kdf l:y/tf

xfl;n ug{ g;s]sf] cj:yf, ahf/df sfod clws t/ntfnfO{

pkof]u ug]{ nufgLsf Go"g cj;/x?df lg/Gt/tf, c:j:y Pj+

tLa| k|lt:kwf{, phf{ ;+s6, gLltut kl/jt{gx? Pj+ cGo cfly{s÷

;fdflhs sf/0fx?n] a}+lsË If]qdf k|lts"n c;/ sfod} /x\of] h;sf]

k|ToIf k|efj o; a}+ssf] Joj;fo j[l4 tyf d'gfkmfdf ;d]t k/]sf]

cg'ej ul/Psf] 5 .

;dLIff jif{df a}+ssf] s"n shf{ tyf ;fk6L ?= # ca{ !! s/f]8n] j[l4

eO{ @)&@ cfiff9 d;fGtdf ?= !& ca{ (( s/f]8 k'u]sf] 5 . a}+sn]

;fgf tyf demf}nf pBf]u÷Joj;fox?, pkef]Qmf Pj+ ljkGg ju{

tkm{sf] nufgLsf s[ofsnfkx?nfO{ a9fP/ Joj;flos ljljlws/0f ub}{

clws]lGb|t shf{ hf]lvdnfO{ ;d]t Go"g ub}{ cfPsf] 5 . a}+sn] ;dLIff

cjlwdf ?= # ca{ (* s/f]8 lgIf]k j[l4 u/]/ @)&@ cfiff9 d;fGtdf

s"n lgIf]k ?= @! ca{ !# s/f]8 k'¥ofPsf] 5 . cl3Nnf] jif{sf] ?= #)

s/f]8 %% nfv v"b d'gfkmfsf] t'ngfdf ;dLIff jif{df a}+sn] ?= #$

s/f]8 ^@ nfv v"b d'gfkmf cfh{g ug{ ;kmn ePsf]] 5 . ;~rfns

;ldltn] cfly{s jif{ @)&!÷&@ ;Dd ;l~rt ePsf] ljt/0f of] o

/sdaf6 r'Qmf k'“hLsf] !) cyf{t\ ?= @^,)(,^),))) af]g; z]o/

tyf ;f]sf] nflu cfjZos s/sf] lgldQ r'Qmf k'“hLsf] )=%# gub

nfef+z k|:tfj u/]sf] 5 .

Rffn" cfly{s jif{ @)&@÷&# sf] klxnf] q}dfl;s cjlw ;Dd a}+ssf]

s"n lgIf]k ?= ! ca{ $# s/f]8n] j[l4 eO{ ?= @@ ca{ %^ s/f]8

k'u]sf] 5 eg] shf{ ?= () s/f]8n] j[l4 eO{ ?= !* ca{ *( s/f]8

k'u]sf] 5 . o;} cjlwdf a}+sn] ?= * s/f]8 $# nfv v"b d'gfkmf

cfh{g u/]sf] 5 . xfn a}+ssf @( j6f zfvf sfof{nox?, #@ j6f

Pl6Pd d]l;gx? tyf $( j6f zfvf/lxt a}+lsË s]Gb|x? /x]sf

5g\ . ;]jf tyf ;'ljwfsf] u'0f:t/nfO{ clej[l4 ub}{ u|fxsju{x?sf]

cfjZostf Pj+ rfxgfnfO{ Wofgdf /fvL ljleGg cfsif{s of]hgfx?sf]

dfWodaf6 Joj;flos ljljlws/0f ub}{ ;]jf lj:tf/ ug]{ a}+ssf]

d"ne"t of]hgf /x]sf] 5 .

@)&@ a}zfv !@ ut]sf] e"sDk kZrft\sf] k|lts"n cj:yfsf cnfjf

rfn" cfly{s jif{df sfod /fhgLlts cl:y/tfn] cy{tGqnfO{ yk

sdhf]/ kf/]sf] ljleGg tYofÍx?n] b]vfPsf] ;Gbe{df cfly{s jif{

@)&@÷&# Joj;flos b[li6sf]0fn] cToGt} r'gf}ltk"0f{ x'g] b]lvG5 .

;+ljwfg hf/L eP kZrft\ cfly{s Pj+ ;fdflhs ljsf;n] ult lng]

ck]Iff ul/P;+u} cfly{s jif{ @)&@÷&# sf] nflu ;/sf/n] ^ sf]

cfly{s j[l4b/ k|If]k0f u/]tf klg xfnsf] /fhgLlts k|lts"ntfn]

cfk"lt{ k|0ffnLdf cj/f]w ;[hgf u/]sf] sf/0f cy{tGq ulDe/ ?kn]

k|efljt x'g uPsf] 5 . @)&@ d+l;/ * ut] ;fj{hlgs ul/Psf]

b]zsf] jt{dfg cfly{s cj:yf / g]kfn ;/sf/sf] tTsfnsf] sfo{lbzf

;DaGwL Zj]tkq dfk{mt\ j[l4b/nfO{ k'g/fjnf]sg u/L @ cg'dfg

ul/Psf] 5 eg] xfnsf] cj:yf nlDaPsf] v08df yk gsf/fTds

k|efj kg]{ ;d]t pNn]v ul/sf] 5 . cy{tGqsf cGo ljleGg If]qx?

k|efljt eP;+u} a}+lsË Joj;fo klg ;f]xL cg'?k k|efljt ePsf]

tYonfO{ dWogh/ ub}{, xfnsf] cj:yfdf hf]lvd Joj:yfkgn] d'Vo

k|fyldstf kfpg' kg]{ ljZjf;;+u} Joj;fo tyf d'gfkmfdf gsf/fTds

k|efj kg{ glbg a}+sn] hf]lvd;+u ;DalGwt cfGtl/s tyf jfx\o

ultljlwx?sf] ;'Id 9+uaf6 lgu/fgL tyf cWoog ul//x]sf] 5 .

a}+s tyf ljQLo ;+:yfx?sf] k'“hLut cfwf/ ;'b[9 u/L bL3{sfnLg

ljsf;sf nflu cfjZos kg]{ ;|f]t kl/rfng ug{ tyf ljQLo

:yfloTj k|j4{g ug{ @)&$ c;f/ d;fGt;Dd r'Qmf k'“hL j[l4 u/L

jfl0fHo a}+sx?n] Go"gtd r'Qmf k'“hL ?= * ca{ k'¥ofpg' kg]{ g]kfn

/fi6« a}+sn] hf/L u/]sf] Joj:yf adf]lhd a}+sn] ufEg] -dh{/_ k|s[ofsf]

dfWodaf6 / af]g; ;]o/ tyf xsk|b ;]o/ hf/L ug]{ sfo{af6

cfjZos k'“hL j[l4 ug]{ of]hgf g]kfn /fi6« a}+sdf k]z u/]sf] 5 .

o;} cg'?k dh{/ k|s[ofnfO{ ;sf/fTds 9+un] sfof{Gjog ug{sf]

lgldQ a}+sn] Ps dh{/ sld6L u7g u/]sf] 5 h;n] dh{/sf ljleGg

;Defjgfx?nfO{ uxg ?kdf cWoog u/L :j:y ljQLo cj:yf ePsf]

a}+s÷ljQLo ;+:yf-x?_;+u ;Demf}tf u/L dh{/sf] sfo{ cufl8 a9fpg

k|oTg/t /x]sf] 5 . o;sf cnfjf klZrdf~rn 8]enkd]06 a}+s;+usf]

dh{/ k|s[of o; kf“rf}+ jflif{s ;fwf/0f ;efsf] :jLs[lt kZrft\ dh{/

sfo{sf nflu ul7t ;+o'Qm dh{/ sld6Ln] :jLs[t u/]sf] sfo{tflnsf

adf]lhd g} cf}krfl/s 9+un] cufl8 a9\g] ljZjf; d}n] lnPsf] 5' .

Joj;flos d'gfkmf cfh{g ug]{ dfq geO{ ;dfhsf] cleGg c+usf]

x}l;otn] ;dfh k|ltsf] pQ/bfloTj cjZo /x]sf] x'G5 eGg]

dfGotfnfO{ cfTd;ft u/]/ ;dfh k|ltsf] pQ/bfloTj jxg ug]{

qmddf a}+sn] ljleGg ;fdflhs sfo{df ;xof]u k'¥ofPsf] tyf ;f]

sfo{x?n] a}+s k|ltsf] b[li6sf]0fdf clt ;sf/fTds k|efj k/]sf]

Joxf]/f z]o/wgL dxfg'efjx?nfO{ cjut u/fpg rfxG5' . o;}

;Gbe{df @)&@ a}zfv !@ ut]sf] e"sDkaf6 k|efljt If]qdf a}+sn]

kLl8tx?nfO{ tTsfn /fxt k'¥ofpg] p2]Zon] …d]uf cy{Sj]s u|fG6

csfpG6Ú gfds vftfsf] :yfkgf u/]sf] lyof] eg] /fxtsf nflu

?= %) nfv a/fa/sf] /fxt ;fdfu|L ;xof]u :j?k k|bfg u/]sf]

lyof]] . o; dWo] a}+ssf] tkm{af6 #% nfv #) xhf/ tyf af“sL


/sd ;~rfns ;ldltsf ;b:o tyf a}+sdf sfo{/t sd{rf/Lx?af6

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/ /;'jf lhNnfsf e"sDk kLl8tx?sf] nflu lhNnf k|zf;g sfof{no

/ cGo :yfgLo lgsfosf] ;dGjodf k|bfg u/]sf] lyof] .

a}+sn] cTofw'lgs k|ljlwsf] k|of]u u/L u|fxsx¿nfO{ pRr:t/Lo

a}+lsË ;]jf pknAw u/fp“b} d'gfkmf cfh{g ug]{ p2]Zosf ;fy

xnf] b]lv xfO8«f];Dd sf u|fxsx¿sf] ljQLo cfjZostf kl/k"lt{

x'g] u/L sfo{ ul//x]sf] 5 . eljiodf cg'ej / bIftfsf] cfwf/df

cfjZos k|lt:kwf{Tds Ifdtf clej[l4 ub}{ ;fs{ d'n'sx¿df

d]uf a}+s g]kfn lnld6]8nfO{ ;+o'Qm nufgLdf k|j4{g u/L If]qLo

:t/df Joj;fo lj:tf/ ug]{ gLltnfO{ cjnDjg u/Lg] 5 . d]uf

a}+ssf] kx“'rnfO{ hgtf ;dIf k|efjsf/L 9+un] k'¥ofpg ljQLo

ljs]Gb|Ls/0fsf] l;4fGt cg'¿k qmdzM b]zleq If]qLo sfof{nox¿sf]

:yfkgf ub}{ ;]jfnfO{ lj:tf/ ul/g] 5 . d]uf a}+sdf /x]sf] hgzlQmsf]

IfdtfnfO{ clej[l4 ug{ 5f]6f] / dWod cjlwsf] tflnd ;~rfng

ul/“b} cfPsf] ;Gbe{df o:tf sfo{qmdx?nfO{ yk k|efjsf/L 9+un]

lg/Gt/tf lbOg] 5 . ljZj cy{tGq, If]qLo cy{tGq, l5d]sL

d'n'sx¿sf] cy{tGq / /fli6«o cy{tGqnfO{ lg/Gt/ cg'udg /

ljZn]if0f ug'{sf ;fy} z]o/ahf/, k'“hLahf/ / d'b|fahf/sf] cWoog

/ a}+s tyf ljQLo ;+:yfx¿sf] lgIf]k kl/rfng, shf{÷C0f Pj+

nufgL k|jfx nufot ljQLo ahf/df eO{/x]sf ;"rgf, tYofÍ Pj+

36\gfqmdx?sf] af/]df ;'–;"lrt u/fpg a}+sdf cg';Gwfg Pj+ ljsf;

(Research & Development) ljefusf] :yfkgf eO{ cg';Gwfgsf]

If]qdf ljleGg sfdx? e}/x]sf 5g\ . Joj;fo;+u ;DalGwt ljleGg

cg';Gwfg Pj+ vf]hd'ns sfo{x?sf] dfWodaf6 a}+snfO{ ;'/lIft

Pj+ gfkmfd'ns 9+uaf6 Joj;fo clej[l4 ug]{ sfo{df a}+sn] :yfkgf

u/]sf] cg';Gwfg Pj+ ljsf; ljefun] k|efjsf/L Pj+ dxTjk"0f{ of] bfg

k'¥ofp“b} cfPsf] 5 . o;nfO{ eljiodf ce}m ;zQm ?kdf kl/rfng

ul/g] 5 . ;fdflhs pQ/bfloTj tkm{sf] a}+ssf] lqmofsnfkx?nfO{

lg/Gt/tf lbO{ d'n'sleq ;dflhs ;]jfdf ;dlk{t JolQm jf

;+:yfx¿nfO{ lg/Gt/ ;xof]u ug]{ a}+ssf] gLlt /xg] 5 .

b]zsf ^# lhNnfdf 5l/P/ /x]sf !@!( hgf dWod juL{o ;+:yfks

z]o/wgLx?n] æxnf] b]lv xfO{8«f]Æ ;Ddsf u|fxsx?nfO{ nlIft

u/L æ;Dk"0f{ g]kfnLsf] a}+sÆ agfpg] p2]Zon] :yfkgf u/]sf] o;

a}+sdf xfn ;j{;fwf/0f z]o/wgLx? ;lxt sl/a ! nfv !$ xhf/

z]o/wgLx?sf] ;xeflutf /x]sf]n] a}+ssf] ;~hfnnfO{ Jofks agfPsf]

5 eg] a}+ssf] g]6jy{ (Networth) ;s/fTds /x]sf] 5 . @)&@ cfiff9

d;fGt ;Dddf ! nfv $# xhf/ eGbf a9L u|fxs ;+Vof k'u]sf] /

;dli6ut ljQLo ;"rsfÍsf] cfwf/df ;d]t d]uf a}+ssf] x}l;ot /fd|f]

/x]sf] 5 . 5f]6f] cjlwdf g} ljQLo ahf/df d]uf a}+sn] cfÎgf] 5'§}

klxrfg agfpg'sf ;fy} ljZj;gLotf cfh{g u/]sf] 5 . To;}n] d]uf

a}+ssf] k|ult pT;fxhgs 5, eljio ;'/lIft / ;'Gb/ 5 . xfdL;“u

cg'ejL / lj1x¿ /x]sf] ;~rfns ;ldlt 5 / cToGt ;Ifd k|d'v

sfo{sf/L clws[tsf] g]t[Tjdf of] o Pj+ bIf hgzlQm sfo{/t 5 .

o;af6 c¿ ;sf/fTds kl/0ffd cfpg] cfzf d}n] /fv]sf] 5' . d]uf

a}+s xfn 5}6f}+ jif{df k|j]z u/]sf] 5 / o; cjlwsf] ljQLo cj:yf

;Gtf]ifhgs /x]sf] 5 .

a+}sdf d]/f] g]t[Tjdf 8f= b'dg yfkf, >L ef]haxfb'/ zfx, >L uf]kfn

vgfn, >L dbg s'df/ cfrfo{, >L ;'lzn/fd dfy]df, >L r]t

gf/fo0f kf08], >L lbk]Gb| cu|jfn / >L k/d]Zj/ kGt ;lxtsf] (

;b:oLo ;~rfns ;ldlt /x]sf]df ;dLIff cjlwdf Joj;flos

;~rfns >L ;'lzn/fd dfy]dfn] ;~rfns kbaf6 lbg' ePsf]

/flhgfdf ldlt @)&@÷)#÷!$ df a;]sf] a}+ssf]] ;~rfns ;ldltsf]

!@%cf}+ a}7sn] :jLs[t u/]sf] 5 . a}+snfO{ xfnsf] cj:yf;Dd NofO{

k'¥ofpg ;~rfns >L dfy]dfn] k'¥ofpg' ePsf] of]ubfgsf] pRr

d"NofÍg ub}{ pxf“nfO{ wGojfb lbg rfxG5' . pxf“sf] /flhgfdf kZrft\

a}+sdf * ;b:oLo ;~rfns ;ldlt sfod /x]sf] 5 . ;+:yfks

;d"xaf6 ;~rfns ;ldltdf k|ltlglwTj ug]{ ;b:ox?sf] sfo{sfn

o;} cjlwdf ;dfKt x'g] ePsf]n] gof“ ;~rfns ;b:ox?sf] rog

o;} jflif{s ;fwf/0f ;efn] ug]{ 5 .

cGTodf a}+ssf ;+:yfks tyf z]o/wgL dxfg'efjx?, ;d:t

u|fxsju{x?, g]kfn /fi6« a}+s, g]kfn ;/sf/, g]kfn lwtf]kq af]8{,

g]kfn :6s PS;r]~h lnld6]8, sDkgL /lhi6«f/sf] sfof{no, l;l8P;

P08 SnLol/ª lnld6]8 tyf cGo lgodgsf/L lgsfox?, ;~rfns

;ldltsf ;b:ox?, k|d'v sfo{sf/L clws[t >L clgn s]z/L zfx

/ pxf“sf] g]t[Tjsf] Joj:yfkg ;d"x Pj+ sDkgL ;lrj >L t'N;L/fd

kf]v/]n nufot ;Dk"0f{ sd{rf/Lx? tyf a}+ssf] Joj;fo j[l4 Pj+

ljsf;df k|ToIf jf ck|ToIf ?kdf ;xof]u k'¥ofpg' x'g] ;Dk"0f{

z'e]R5'sx?sf ;fy} ;~rf/ dfWod k|lt xflb{s cfef/ JoQm ub}{

wGojfb lbg rfxG5' .

ho d]uf a}+s

k|f=8f=dbg s'df/ bfxfn

cWoIf

d]uf a}+s g]kfn lnld6]8

ldlt M @)&@ kf}if ! ut]

sf7df8f}+

10 d]/f] a}+s – d]uf a}+s

cfb/0fLo z]o/wgL dxfg'efjx?,

d]uf a}+s g]kfn lnld6]8sf] o; kf“rf+} jflif{s ;fwf/0f ;efdf pkl:yt x'g' ePsf ;Dk"0f{ z]o/wgL dxfg'efjx? tyf

cfdlGqt cltlyx?nfO{ ;~rfns ;ldltsf] tkm{af6 d xflb{s :jfut ub{5' . o;} cj;/df a}+ssf] @)&@ cfiff9 d;fGtsf]

jf;nft tyf ;f]xL ldltdf ;dfKt cfly{s jif{ @)&!÷&@ sf] gfkmf gf]S;fg lx;fa, gub k|jfx ljj/0f tyf cGo ljQLo

ljj/0fx? o; ;efsf] :jLs[ltsf] lgldQ k]z ug]{ cg'dlt rfxG5' .

;j{k|yd a}+sn] xfn;Dd xfl;n u/]sf k|d'v ljQLo pknlAwx?nfO{ lgDg adf]lhd k|:t't ub{5' .

% jif{sf] ljQLo emnsx??= b; nfvdf

qm=;+= lzif{scfiff9 d;fGt

j[l4 -cl3Nnf] jif{;+u_

cfiff9 d;fGt @)&@

@)&@ @)&! @)&) @)^( @)^* /sd k|ltzt

!= s"n ;DklQ 24,707 20,571 17,408 11,400 7,242 4,136 20

@= s"n h]yf 3,075 2,743 2,452 1,785 1,712 332 12

#= s"n lgIf]k 21,131 17,148 12,533 9,193 5,373 3,983 23

$= s"n shf{ 17,997 14,881 11,729 8,048 4,816 3,116 21

cfly{s jif{j[l4 -cl3Nnf] jif{;+u_

cfly{s jif{ @)&!÷&@

@)&!÷&@ @)&)÷&! @)^(÷&) @)^*÷^( @)^&÷^* /sd k|ltzt

%= s"n ;~rfng cfDbfgL 1,138 1,025 804 470 285 113 11

^= s"n ;~rfng vr{ 460 417 373 292 199 43 10

&= gf]S;fgL Joj:yf cl3sf]

;~rfng d'gfkmf

679 608 431 179 86 71 12

*= v"b gfkmf 346 306 177 72 24 41 13

cfiff9 d;fGt

@)&@ @)&! @)&) @)^( @)^*

(= zfvf ;+Vof 28 28 28 28 13

!)= Pl6Pd ;+Vof 31 31 31 29 16

!!= zfvf/lxt a}+lsË s]Gb| 47 47 45 14

!@= u|fxs ;+Vof ! Nffv

$# xhf/

! Nffv

@( xhf/

! nfv

* xhf/

&# xhf/ #! xhf/

;~rfns ;ldltsf] k|ltj]bgMcfly{s jif{ @)&!÷&@


;dli6ut cfly{s cj:yfsf] l;+xfjnf]sg

ljZj cy{tGqM cGt/f{li6«o d'b|fsf]ifn] ;fj{hlgs u/]sf] ljZj

cfly{s kl/b[Zo (World Economic Oultook) sf]

cS6f]a/ @)!% c+sdf ;g\ @)!% df ljZjsf] cfly{s j[l4b/

#=! sfod /xg] hgfOPsf] 5 . ;g\ @)!$ Dff #=$ /x]sf]

pQm b/ ;g\ @)!^ ;Dddf #=^ k' g] cg'dfg ul/Psf]

5 . cl3Nnf] jif{sf] t'ngfdf ljsl;t cy{tGqx?sf] cfly{s

j[l¢b/df s]xL ;'wf/ cfpg] ck]Iff ul/Ptf klg pbLodfg

tyf ljsf;zLn b]zx?df eg] j[l¢b/ cem} ;':t /xg] cg'dfg

ul/Psf] 5 . j:t'efjsf] 36\bf] d"No, k'“hL kl/rfngdf

x|f;, d'b|fdf bjfj tyf ljQLo ahf/df c;Gt'ngsf sf/0f

ljz]iftM pbLodfg tyf ljsf;zLn b]zx?sf] cy{tGqx?nfO{

k|efj kfg]{ b]lvG5 .

;g\ @)!$ df !=* n] j[l4 ePsf] ljsl;t d'n'sx?sf]

cfly{s ultljlw ;g\ @)!% df @=) n] j[l4 x'g] cg'dfg

ul/Psf] 5 h; dWo] ;g\ @)!$ df @=$ /x]sf] cd]l/sfsf]

cfly{s j[l4b/ ;g\ @)!% df @=^ n] a9\g] tyf o"/f]k]nL

d'n'sx?sf] ;g\ @)!$ sf] )=( sf] j[l4b/ ;g\ @)!%

df !=% n] j[l4 x'g] cg'dfg ul/Psf] 5 . pbLodfg tyf

ljsf;zLn b]zx?sf] cfly{s j[l4b/ ;g\ @)!$ Dff $=^

/x]sf]df ;g\ @)!% df $=) sfod /xg] k|If]k0f ul/Psf]

5 h; dWo] ef/tsf] j[l4b/ ;g\ @)!$ ;/x g} ;g\ @)!%

Dff klg &=# n] tyf rLgsf] j[l4b/ ;g\ @)!$ sf] &=#

sf] t'ngfdf ;g\ @)!% df ^=* df ;Lldt /xg] ;d]t

cGt/f{li6«o d'b|fsf]ifn] k|If]k0f u/]sf] 5 .

/fli6«o cy{tGqM cfly{s jif{ @)&!÷&@ Dff b]zsf] s"n

ufx{:Yo pTkfbg cfwf/e"t d"Nodf #=) n] / pTkfbssf]

d"Nodf #=$ n] j[l4 ePsf] s]Gb|Lo tYofÍ ljefusf]

k|f/lDes cg'dfg 5 . cl3Nnf] jif{ o:tf] j[l4b/ qmdzM

%=! / %=$ /x]sf] lyof] . ;dLIff jif{df s[lif tyf

u}/–s[lif If]qsf] j[l4b/ qmdzM !=( / #=^ /x]sf] cg'dfg

5, h'g cl3Nnf] jif{ qmdzM @=( / ^=# /x]sf] lyof] .

d"ntM df};dL k|lts"ntfsf sf/0f s[lif If]q k|efljt ePsf]

b]lvG5 eg] u}/–s[lif If]qsf ultljlwx? @)&@ a}zfv !@

ut]sf] e"sDksf sf/0f a9L k|efljt ePsf] b]lvG5 . /fli6«o

of]hgf cfof]uaf6 k|sflzt ljkb\kl5sf] cfjZostf cf“sng

k|ltj]bg @)&@ cg';f/ e"sDkn] cy{tGqdf sl/a ?= &

va{sf] Iflt k'¥ofPsf] 5 . pQm IfltdWo] ;fdflhs If]qdf

%&=* , pTkfbgd'ns If]qdf @%=@ , k"jf{wf/ If]qdf (=%

/ af“sL &=% cGo If]qdf Iflt ePsf] 5 h;n] s"n ufx{:Yo

pTkfbgdf ?= #^ ca{sf] gf]S;fgL k'¥ofPsf] 5 .

cfly{s jif{ @)&!÷&@ sf] pkef]Qmf d"No ;"rsfÍdf cfwfl/t

cf}ift d'b|f:kmLlt b/ &=@ /x]sf] 5 . vfB tyf k]o kbfy{

;d"xsf] d"No j[l4b/ (=^ / u}/–vfB tyf ;]jf ;d"xsf]

d"No j[l4b/ %=@ /x]sf] 5 . cfly{s jif{ @)&!÷&@ df

df}lb|s lj:tf/ ck]lIft :t/df /x]sf], k]6«f]lnod kbfy{sf]

d"Nodf lu/fj6 cfPsf] / l5d]sL d'n'sdf ;d]t d"Noj[l4

lgolGqt :t/df /x]sf]n] jflif{s cf}ift d'b|f:kmLlt b/ nlIft

;Ldf eGbf s]xL tn cyf{t\ &=@ sf] xf/fxf/Ldf /x]sf]

cg'dfg 5 . cl3Nnf] jif{df o:tf] d'b|f:kmLlt b/ (=! /x]sf]

lyof] .

;dLIff cjlwdf s"n j:t' lgof{t &=# n] 36]sf] 5 eg]

s"n j:t' cfoft *=$ n] j[l4 ePsf] 5 . s"n Jofkf/

3f6f !)=* n] j[l4 eO{ ?= ^*( ca{ #& s/f]8 k'u]sf] 5 .

cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] Jofkf/ 3f6f @(=&

n] a9]sf] lyof] . @)&! cfiff9 d;fGtsf] ?= ^^$ ca{ $!

s/f]8sf] t'ngfdf @)&@ cfiff9 d;fGtdf s"n ljb]zL

ljlgdo ;l~rlt @#=* n] j[l4 eO{ ?= *@# ca{ *& s/f]8

k'u]sf]] 5 . cfly{s jif{ @)&!÷&@ df ;du| zf]wgfGt/ l:ylt

xfn ;Dds} pRr cyf{t\ ?= !$$ ca{ *% s/f]8n] artdf

/x]sf] 5 . cl3Nnf] jif{df o:tf] art ?= !@& ca{ !# s/f]8

/x]sf] lyof] . ;dLIff jif{df rfn" vftf ?= !)* ca{ #@

s/f]8n] artdf /x]sf] 5 h'g cl3Nnf] jif{ ?= *( ca{ &@

s/f]8n] artdf /x]sf] lyof] .

cfly{s jif{ @)&!÷&@ Dff klg a}+lsË If]qdf t/ntfsf]

;xh cj:yf ljBdfg g} /x\of] . ;dLIff jif{df jfl0fHo a}+s

;d"xsf] lgIf]k kl/rfng !^=(& -?= @)$ ca{_ n] j[l4 eO{

?= !,$)( ca{ k'u]sf] 5 eg] shf{ @@=@* -?= @)! ca{_ n]

j[l4 eO{ ?= !,!)# ca{ k'u]sf] 5 . o;df d]uf a}+ssf] lx:;f

lgIf]kdf !=%) tyf shf{df !=^# /x]sf] 5 h'g cl3Nnf]

jif{ qmdzM !=$@ tyf !=^% /x]sf] lyof] . @)&@ cfiff9

d;fGt;Dd jfl0fHo a}+sx?sf] ;+Vof #) sfod ePsf] 5 .

ufEg]÷ufleg] k|s[ofsf] k|efj cGo ljQLo ;+:yfx?df klg

k/]sf] b]lvG5 . ljsf; a}+sx?sf] ;+Vof cl3Nnf] jif{sf] *$

af6 36]/ &^ df tyf kmfOgfG; sDkgLx?sf] ;+Vof %# af6

36]/ $* sfod ePsf] 5 .

ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg

@)&@ a}zfv !@ ut]sf] e"sDk tyf To; kl5sf

k/fsDkgsf sf/0f d'n'sdf 7"nf] kl/df0fdf hgwgsf]

Iflt tyf cy{tGqdf ;+s'rg cg'ej ul/P;+u} hf]lvdsf]

bfo/f ;d]t km/flsnf] ePsfn] cfly{s jif{ @)&!÷&@

sf/f]af/sf] b[li6sf]0fn] yk r'gf}ltk"0f{ /xg uof] .

o;sf cnfjf /fhgLlts ultljlwx?n] ;d]t k"0f{ ?kdf

l:y/tf xfl;n ug{ g;s]sf] cj:yf, ahf/df sfod

clws t/ntfnfO{ pkof]u ug]{ nufgLsf Go"g cj;/x?df

lg/Gt/tf, c:j:y Pj+ tLa| k|lt:kwf{, phf{ ;+s6, gLltut

kl/jt{gx? Pj+ cGo cfly{s÷;fdflhs sf/0fx?n] a}+lsË

If]qdf k|lts"n c;/ sfod} /x\of] h;sf] k|ToIf k|efj o;

12 d]/f] a}+s – d]uf a}+s

a}+ssf] Joj;fo j[l4 tyf d'gfkmfdf ;d]t k/]sf] cg'ej

ul/Psf] 5 .

;dLIff jif{df a}+ssf] s"n shf{ tyf ;fk6L ?= # ca{ !!

s/f]8n] j[l4 eO{ @)&@ cfiff9 d;fGtdf ?= !& ca{ ((

s/f]8 k'u]sf] 5 h'g cl3Nnf] jif{sf] t'ngfdf @)=($

sf] j[l4 xf] . a}+sn] ;fgf tyf demf}nf pBf]u÷Joj;fox?,

pkef]Qmf Pj+ ljkGg ju{ tkm{sf] nufgLsf s[ofsnfkx?nfO{

a9fP/ Joj;fo ljljlws/0f ub}{ clws]lGb|t shf{ hf]lvdnfO{

;d]t Go"g ub}{ cfPsf] 5 . o;} ;Gbe{df ;dLIff jif{df

a}+sn] demf}nf s/kf]/]6 Joj;foLx?nfO{ nlIft u/L Ps gof“

O{sfO{ -ld8 s/kf]/]6 O{sfO{_ v8f u/L ;]jf lj:tf/ u/]sf]

5 . kmn:j?k a}+sn] k|jfx u/]sf] s"n shf{ jSof}tf /sddf

s/kf]/]6 shf{sf] lx:;f qmlds ?kdf 36\b} uO{ @)&@ cfiff9

d;fGtdf #@=^ df em/]sf] 5 . ;~rfngsf] klxnf] jif{sf]

cGTo cyf{t\ @)^* cfiff9 d;fGtdf ;f] lx:;f ^# /x]sf]

lyof] .

a}+sn] ;dLIff cjlwdf ?= # ca{ (* s/f]8 lgIf]k j[l4 u/]sf]

5 h'g cl3Nnf] jif{sf] t'ngfdf @#=@# n] a9L xf] . @)&@

cfiff9 d;fGtdf a}+ssf] s"n lgIf]k ?= @! ca{ !# s/f]8

k'u]sf] 5 . lgIf]k ;+/rgfsf] cfwf/df Aofh ltg'{ gkg]{ vftf

% , art vftf #) , d'2tL vftf #% tyf sn vftfsf]

#) lx:;f /x]sf] 5 .

/sdsf] cfwf/df a}+ssf] shf{sf] cf}ift cfsf/ ?= @! nfv

!! xhf/ /x]sf] 5 eg] lgIf]ksf] cfsf/ ?= ! nfv %&

xhf/ /x]sf] 5 h;n] a}+sn] Joj;fonfO{ ;+tf]ifhgs ?kdf

ljljlws/0f u/]sf] k|i6 kfb{5 . o;} u/L ;dLIff cjlwdf

a}+sn] cfkm\gf] u|fxs ;+Vofdf sl/a !$ xhf/n] j[l4 u/L s"n

;+Vof ! nfv $# xhf/ eGbf a9L k'¥ofPsf] 5 . ;~rfngsf]

% jif{d} xfl;n ul/Psf] of] cfwf/ cToGt pknlAwd'ns Pj+

pT;fxhgs xf] . ljkGg ju{ tyf n3'ljQ cGtu{t a}+sn]

!& xhf/ eGbf a9L u|fxsx?nfO{ shf{ k|bfg ul/;s]sf] 5 .

;fy} l/on :6]6df a}+ssf] nufgL #=&! dfq /x]sf] 5 .

cfly{s jif{ @)&!÷&@ sf] nflu g]kfn /fi6« a}+sn] tf]lsPsf

pTkfbgzLn If]qdf -s[lif, phf{, ko{6g If]q / 3/]n' tyf

;fgf pBf]u_ sfod u/]sf] Go"gtd k|ltzt cyjf s"n shf{

nufgLsf] @) shf{ nufgL sfod x'g' kg]{ Joj:yf /x]sf]df

@)&@ cfiff9 d;fGtdf o; If]qdf a}+ssf] nufgL @!=$

/x]sf] 5 h; dWo] s[lif / phf{ If]qdf dfq} Go"gtd nufgL

!@ sfod ul/Psf]df a}+ssf] nufgL !%=@* /x]sf] 5 .

a}+sn] cfly{s jif{ @)&!÷&@ df ?= *( s/f]8 ^ nfv v"b

Aofh cfDbfgL u/]sf] 5 h'g cl3Nnf] jif{sf] t'ngfdf *=$^

n] a9L xf] . ;dLIff jif{df klg shf{ tyf nufgLsf] jftfj/0f

tyf cj;/x? lg/fzfhgs Pj+ r'gf}ltk"0f{ /xL /x\of] . g]kfn

/fi6« a}+sn] NofPsf] shf{ tyf lgIf]ksf] Aofh cGt/ ;DaGwL


gof“ gLlt sfof{Gjogsf] k"0f{ jflif{s c;/, a}+lsË If]qdf

sfod} t/ntfsf sf/0f ylkPsf] Joo ef/, cToGt} Go"g

;/sf/L C0fkq tyf cGt/ a}+s nufgLsf] k|ltkmn -;dLIff

jif{df #^$ lbg] 6«]h/L lansf] cf}ift Aofhb/ )=&*

tyf cGt/ a}+s sf/f]af/sf] cf}ift Aofh b/ )=&) _, s]xL

If]qx?sf] ;d:ofdf lg/Gt/tf sfod x'g' / @)&@ a}zfv

!@ ut]sf] e"sDk kZrft\sf] cjlwdf cy{tGqdf x|f; cfpg',

;f]sf sf/0f ljleGg gLltut kl/jt{x? x'g' tyf hf]lvdsf]

bfo/f km/flsnf] x'g' h:tf sf/0fx?n] a}+ssf] v"b Aofh

cfDbfgL k|efljt eO{ j[l4 ;fdfGo /x\of] . ;dLIff jif{df

a}+ssf] shf{af6 k|fKt cf}ift k|ltkmn (=%% /x]sf] 5, h'g

cl3Nnf] jif{ !!=)$ lyof] . o;sf] k|d'v sf/0f ahf/df

clws t/ntfsf] k|efj;+u} Aofhb/sf] 36\bf] qmd g} xf] . To;}

u/L a}+sn] nufgL af6 !=&& k|ltkmn k|fKt u/]sf] 5 h'g

cl3Nnf] jif{ @=) sfod /x]sf] lyof] . s"n Aofh cfosf]

cf}ift k|ltkmn ut jif{sf] (=@^ af6 36]/ ;dLIff jif{df

&=*& df sfod /x\of] . lgIf]ksf] cf}ift nfut eg] $=%^

sfod /x]sf] 5 h'g cl3Nnf] jif{ %=@! lyof] . cfDbfgL tk{m

k|ltkmn 36]sf] sf/0f a}+sn] pRr nfutsf lgIf]kx?nfO{ sd

ug'{sf ;fy} cfjZostf cg'?k ;du| nfutnfO{ g} 36fp“b}

nu]sf]n]] nfut sd ug{ ;lsPsf] xf] . cGt/ a}+s ;fk6Lsf]

nfut ;lxt ;dLIff jif{df ;|f]tsf] cf}ift nfut $=@%

/x\of] h'g cl3Nnf] jif{ $=($ sfod /x]sf] lyof] . ;dLIff

jif{df a}+ssf] v"b Aofhb/ cGt/ #=^@ sfod /x\of] h'g

cl3Nnf] jif{ $=#@ lyof] . a}+sn] ljleGg ;]jf tyf ;'ljwfx?

k|bfg u/] jfkt cfh{g u/]sf] cGo cfDbfgL ?= @$ s/f]8

&* nfv /x]sf] 5 . cl3Nnf] jif{sf] pknlAwsf] t'ngfdf of]

/sd @!=$# n] a9L xf] . ljb]zL ljlgdosf] sf/f]af/ tyf

ljleGg ;]jf z'Nsdf ePsf] j[l4 o;sf d'Vo sf/0f x'g\ .

sd{rf/L tkm{ cl3Nnf] jif{sf] ?= !^ s/f]8 &# nfv vr{sf]

t'ngfdf ;dLIff jif{df ?= !* s/f]8 ^@ nfv vr{ ePsf]

5 h'g !!=@* sf] j[l4 xf] . Joj;fosf] cfsf/df xfl;n

ul/Psf] j[l4;+u} yk sd{rf/Lsf] cfjZostfsf ;fy}

sd{rf/Lx?sf] sfo{Ifdtf Pj+ bIftf clej[l4 u/L a}+sdf

pTs[i6 hgzlQm sfod /fVg tflnd, a9'jf, jflif{s j[l4

OToflbdf ul/Psf] nufgLsf] kmn:j?k cfh a}+s clt 5f]6f]

cjlwd} ;kmn Pj+ nf]slk|o x'g ;s]sf] 5 . o;} u/L a}+ssf]

cGo ;~rfng vr{ ;dLIff jif{df ?= @& s/f]8 #$ nfv

ePsf] 5 h'g cl3Nnf] jif{sf] vr{sf] t'ngfdf (=% n] dfq

a9L xf] .

cfly{s jif{ @)&!÷&@ df a}+sn] ?= ^& s/f]8 *( nfv

;~rfng d'gfkmf cfh{g u/]sf] 5, h'g cl3Nnf] jif{df ?= ^)

s/f]8 *# nfv lyof] . ;Defljt gf]S;fgLsf lgldQ 5'§ofP/

/flvPsf] v"b /sd ?= !@ s/f]8 $# nfv kZrft\ a}+ssf]

af]g; tyf s/ cl3sf] d'gfkmf ?= %$ s/f]8 ^( nfv ePsf]

5 h'g cl3Nnf] jif{ ?=$* s/f]8 @ nfv lyof] . cl3Nnf]

jif{sf] ?= #) s/f]8 %% nfv v"b d'gfkmfsf] t'ngfdf ;dLIff

jif{df a}+sn] ?= #$ s/f]8 ^@ nfv v"b d'gfkmf cfh{g ug{

;kmn ePsf]] 5, h'g !#=#$ sf] j[l4 xf] . ;/sf/L /fhZjdf

o; jif{ a}+ssf] of]ubfg ?= !% s/f]8 ( nfv /x]sf] 5 .

;l~rt d'gfkmf dWo]af6 r'Qmf k'“hLsf] !) k|:tfljt af]g;

z]o/ tyf ;f]sf] s/ k|of]hgsf nflu )=%# k|:tfljt gub

nfef+z u/]/ hDdf ?= @& s/f]8 $& nfv 5'§\ofP kZrft\

hu]8f sf]ifdf ?= !* s/f]8 %) nfv af“sL /xG5 . ;dLIff

jif{df a}+sn] ?= @^ s/f]8 ( nfv af]g; z]o/ k|:tfj u/L

k'“hL j[l4 u/]sf] 5 . s"n ;DklQdf k|ltkmn cl3Nnf] jif{

!=%^ /x]sf]df ;dLIff jif{df pQm k|ltkmn !=#* ePsf]

5 . To;} u/L cl3Nnf] jif{ z]o/wgLsf] h]yfdf !@=$^

k|ltkmn ePsf]df o; jif{ !@=^# sfod ePsf] 5 .

14 d]/f] a}+s – d]uf a}+s

ljkGgju{ tyf n3'ljQ cGtu{tsf u|fxsx?nfO{ yk ljQLo

;]jf k|bfg ug]{ p2]Zon] a}+sn] ;dLIff cjlwdf gof“ Pj+

;'ne shf{ of]hgf NofPsf] 5 h;sf] dfWdaf6 u|fxsx?n]

cfkm\gf JolQmut cfjZostfx? h:t} ;f]nf/ Kofgn vl/b,

afof] of“; pks/0f vl/b, s[lif cf}hf/ vl/b, Go"g nfutsf]

u|fld0f cfjf; lgdf{0f tyf cGo cfjZostf k"lt{ ug{

ljQLo cj;/ k|fKt ug{ ;Sg'x'g] 5 . b]zsf ljleGg :yfgdf

zfvf/lxt a}+lsË s]Gb|x?sf] :yfkgfaf6 a}+sn] b'u{d Pj+

ljkGg ju{sf hg;d'bfonfO{ cTofw'lgs a}+lsË ;]jf k|bfg

ub{} cfPsf] kl/k]Ifdf ljQLo ;dfj]lztfnfO{ yk lj:t[t,

gljgtd Pj+ ce}m k|efjsf/L agfpg] x]t'n] a}+sn] ;dLIff

jif{df dWo tyf ;'b"/klZrd If]qsf hgtfx?nfO{ nlIft u/L

cGt/f{li6«o bfqL ;+:yf l8=Pkm=cfO{=8L= cGtu{tsf] æ;Ifd

PS;]; 6' kmfO{gfG;Æ (SAKCHYAM Access to Finance for the Poor Challenge Fund) sfo{qmd;+u ;xsfo{

u/]sf] 5 h;nfO{ g]kfndf The Louis Berger Group, Inc., n] sfof{Gjog tyf Joj:yfkg ub{5 . o; ;xsfo{

dfk{mt a}+sn] cfufdL # jif{ leq pQm If]qsf bfª, ;Nofg,

s}nfnL, 88]nw'/f, c5fd tyf a}t8L lhNnfx?df ljleGg

a}+lsË ;]jfx? lj:tf/ ug]{5 h; cGtu{t o;} If]qaf6 lgs6

eljiod} a}+sn] g]kfndf klxnf] k6s cTofw'lgs Pj+ gljgtd

æ6\ofa a}+lsËÆ (Tab Banking) sf] z'?jft ug]{ tof/Ldf

/x]sf] 5 . of] sfo{qmd dfk{mt $ j6f zfvf sfof{nox? / #)

j6f zfvf/lxt a}+lsË s]Gb|x?sf] :yfkgf ug]{ a}+ssf] of]hgf

/x]sf] 5 .

o;} u/L a}+sn] ;fgf tyf demf}nf pBf]u tyf Joj;fonfO{

k|fyldstf lb+b} To; tkm{sf] nufgLnfO{ j[l4 ub}{ nu]sf] 5 .

cfd nufgLstf{x?sf] rfxgfnfO{ Wofgdf /fv]/ a}+sn] cfly{s

jif{ @)&!÷&@ df æd]uf ;/n z]o/ lwtf] shf{Æ gfds shf{

of]hgfsf] z'?jft u/]sf] 5 . z]o/ lwtf] /fvL shf{ lng

rfxg] u|fxsx?sf] nflu a}+sn] of] cfsif{s Aofhb/ ;lxt

;/n tyf eGem6/lxt k|s[ofsf] shf{ of]hgf NofPsf] xf] .

o;sf cnfjf a}+sn] ;dLIff jif{df df]afO{n a}+lsË ;]jfnfO{

yk lj:tfl/t u/L kmf]gk], O{;]jf h:tf k|ljlwd'ns ljB'tLo

e'QmfgL k|0ffnLx?;+u cfkm\gf u|fxsx?nfO{ cfj4 u/fPsf]

5 .

k|:tfljt nfef+z

a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# adf]lhd cfly{s

jif{ @)&!÷&@ sf] v"b d'gfkmfsf] @) n] x'g cfpg] /sd

?= ^,(@,%(,@@@ ;fwf/0f hu]8f sf]ifdf /sdfGt/ ul/Psf]

5 . ljb]zL d'b|fsf] ljlgdo b/df kl/jt{g ePsf] sf/0faf6

a}+snfO{ ePsf] cfDbfgLsf] @% cyf{t ?= %,(!,@#* ;6xL

36a9 sf]ifdf ljlgof]hg ul/Psf] 5 . :yug s/ sf]if tkm{

?= #%,(%,@!$ 5'§ofOPsf] 5 . dfly pNn]lvt ;a} af“8kmf“8

kZrft\ cfly{s jif{ @)&!÷&@ ;Dd ;l~rt ePsf] ljt/0f

of] o /sdaf6 r'Qmf k'“hLsf] !) cyf{t\ ?= @^,)(,^),)))

af]g; z]o/ tyf ;f]sf] nflu cfjZos s/sf] lgldQ r'Qmf

k'“hLsf] )=%# cyf{t\ ?= !,#&,#$,&#& gub nfef+z k|:tfj

ul/Psf] 5 eg] af“sL /sd ?= %#,*$,^(@ ;l~rt d'gfkmfdf

/flvPsf] 5 .

Rffn" jif{sf] pknlAw tyf efjL sfo{qmd

Rffn" cfly{s jif{ @)&@÷&# sf] klxnf] q}dfl;s cjlw;Dd

a}+ssf] s"n lgIf]k ?= ! ca{ $# s/f]8n] j[l4 eO{ ?= @@

ca{ %^ s/f]8 k'u]sf] 5 eg] shf{ ?= () s/f]8n] j[l4 eO{

?= !* ca{ *( s/f]8 k'u]sf] 5 . o;} cjlwdf a}+sn] ?= *

s/f]8 $# nfv v"b d'gfkmf cfh{g u/]sf] 5 . xfn a}+ssf

@( j6f zfvf sfof{nox?, #@ j6f Pl6Pd d]l;gx? tyf

$( j6f zfvf/lxt a}+lsË s]Gb|x? /x]sf 5g\ . ;]jf tyf

;'ljwfsf] u'0f:t/nfO{ clej[l4 ub}{ u|fxsju{x?sf] cfjZostf

Pj+ rfxgfnfO{ Wofgdf /fvL ljleGg cfsif{s of]hgfx?sf]

dfWodaf6 Joj;flos ljljlws/0f ub}{ ;]jf lj:tf/ ug]{

a}+ssf] d"ne"t of]hgf /x]sf] 5 .

@)&@ a}zfv !@ ut]sf] e"sDk kZrft\sf] k|lts"n cj:yfsf

cnfjf rfn" cfly{s jif{df sfod /fhgLlts cl:y/tfn]

cy{tGqnfO{ yk sdhf]/ kf/]sf] ljleGg tYofÍx?n] b]vfPsf]

;Gbe{df cfly{s jif{ @)&@÷&# Joj;flos b[li6sf]0fn]

cToGt} r'gf}ltk"0f{ x'g] b]lvG5 . ;+ljwfg hf/L eP kZrft\

cfly{s Pj+ ;fdflhs ljsf;n] ult lng] ck]Iff ul/P;+u}

cfly{s jif{ @)&@÷&# sf] nflu ;/sf/n] ^ sf] cfly{s

j[l4b/ k|If]k0f u/]tf klg xfnsf] /fhgLlts k|lts"ntfn]

cfk"lt{ k|0ffnLdf cj/f]w ;[hgf u/]sf] sf/0f cy{tGq ulDe/

?kn] k|efljt x'g uPsf] 5 . @)&@ d+l;/ * ut] ;fj{hlgs

ul/Psf] b]zsf] jt{dfg cfly{s cj:yf / g]kfn ;/sf/sf]

tTsfnsf] sfo{lbzf ;DaGwL Zj]tkq dfk{mt j[l4b/nfO{

k'g/fjnf]sg u/L @ cg'dfg ul/Psf] 5 eg] xfnsf] cj:yf

nlDaPsf] v08df yk gsf/fTds k|efj kg]{ ;d]t pNn]v

ul/sf] 5 . cy{tGqsf cGo ljleGg If]qx? k|efljt eP;+u}

a}+lsË Joj;fo klg ;f]xL cg'?k k|efljt ePsf] tYonfO{

dWogh/ ub}{, xfnsf] cj:yfdf hf]lvd Joj:yfkgn] d'Vo

k|fyldstf kfpg'kg]{ ljZjf;;+u} Joj;fo tyf d'gfkmfdf


gsf/fTds k|efj kg{ glbg a}+sn] hf]lvd;+u ;DalGwt

cfGtl/s tyf jfx\o ultljlwx?sf] ;'Id 9+uaf6 lgu/fgL

tyf cWoog ul//x]sf] 5 .

a}+sn] zfvf/lxt a}+lsË k|ljlwsf] dfWodaf6 a}+lsË kx'“r

gePsf If]qx?df ljQLo ;]jf pknAw u/fp“b} cfPsf]

kl/k]Ifdf of] ;]jfnfO{ yk k|efjsf/L Pj+ gljgtd agfp“b}

nlug] 5 . o;df yk ljljwtf Nofpg a}+sn] cfly{s jif{

@)&!÷&@ df cGt/f{li6«o bfqL ;+:yf l8=Pkm=cfO{=8L=

cGtu{tsf] æ;Ifd PS;]; 6' kmfO{gfG;Æ sfo{qmd;+u

u/]sf] ;xsfo{sf] kl5Nnf] cj:yf cg'?k rf“8}g} dWo tyf

;'b"/klZrdsf s]xL lhNnfx?df zfvf/lxt a}+lsË s]Gb|sf]

dfWodaf6 g]kfnd} klxnf] k6s cTofw'lgs Pj+ gljgtd

æ6\ofa a}+lsËÆ sf] z'?jft ug]{ tof/Ldf a}+s /x]sf] 5 eg]

;f] If]qdf yk b'O{j6f zfvf/lxt a}+lsË s]Gb|sf] lj:tf/ klg

ul/;s]sf] 5 . o; sfo{nfO{ ;xlhs/0f tyf cGo a}+lsË

;]jf ;d]t lj:tf/ ug{ a}+sn] c5fd lhNnfsf] ;f“k]mau/df

xfn} zfvf sfof{no ;~rfngdf NofPsf] 5 / lgs6 eljiod}

88]Nw'/fsf] k/z'/fddf a}+ssf] zfvf sfof{no ;~rfngdf

cfp“b} 5 .

n3'ljQ shf{nfO{ yk lj:tf/ u/L ljQLo ;]jfaf6 jl~rt

ljkGgju{sf] hLjg:t/ psf:g] sfo{nfO{ lg/Gt/tf lbOg]

5 . a}+sn] s[lif, phf{, ko{6g tyf pTkfbgzLn If]q tk{msf]

nufgLnfO{ qmlds ?kn] j[l4 ub}}{ nu]sf] 5 . oL If]qx?df

g]kfn /fi6« a}+sn] tf]s]sf] Go"gtd k|ltzt eGbf clws

nufgL /x]sf] 5 eg] yk nufgL j[l4 ub}{ n g] of]hgf a}+ssf]

/x]sf] 5 . ljz]iftM ljkGg Pj+ n3' ljQ If]qdf ;]jf lj:tf/

ug{sf] nflu a}+sn] ljleGg ;+3, ;+:yf tyf bfqL lgsfox?;+u

;xsfo{ ub}{ cfPsf] 5 . n3'ljQ;+u ;DalGwt o:tf k|sf/sf

cGo ;xsfo{sf ;Defjgfx?df ;d]t a}+sn] Joj;flos rf;f]

b]vfp“b} cfPsf] 5 .

/fli6«o cy{tGqsf] d]?b08sf] ?kdf /x]sf] ;fgf tyf demf}nf

pBf]u÷Joj;fo Pj+ s[lif tyf ko{6g tkm{ nufgLnfO{

a9fjf lbg] a}+ssf] k|of;nfO{ lg/Gt/tf lbO{g] 5 . ;fgf

pBf]u÷Joj;fo tyf 7"nf s/kf]/]6sf] aLrdf /x]sf dWo

cfsf/sf pBf]u÷Joj;fodf ;d]t Wofg s]lGb|t u/L

a}+sn] Ps 5'§} æld8 s/kf]/]6 O{sfO{Æ v8f u/L ;f] ju{sf

u|fxsx?nfO{ ljQLo ;]jfx? k|bfg ub}{ cfPsf] 5 .

Joj;flos ljljlws/0f / bL3{sflng :yfoLTjdf ljZjf;

/fVg] o; a}+sn] ;|f]t kl/rfngdf art lgIf]knfO{

k|fyldstfdf /fv]sf] 5 . o;} ;Gbe{df a}+sn] artstf{

u|fxsx?sf] ;+Vof tyf lgIf]k clej[l4 ug{ Joj;flos

lj1fkgsf cnfjf cGo ljleGg sfo{qmdx? ;~rfng ub}{

cfPsf] 5 eg] cfufdL lbgx?df yk k|efjsf/L pkfox?sf]

lg/Gt/ vf]h u/L cjnDagsf plrt sfo{x? cl3 ;fl/g]

5 . rfn" cfly{s jif{df a}+sn] æd]uf pTs[[i6 art vftfÆ

gfds cfsif{s art of]hgf NofPsf] 5 .

s'g} ju{ jf If]qdf clws]lGb|t geP/ ;dli6ut ?kdf u|fxs

;+Vofdf j[l4 ub}{ n}hfg] tyf u|fxs ;'xfp“bf] ;]jf tyf

;'ljwfx? cl3 ;fg]{ a}+ssf] /0fgLlts ;f]rnfO{ lg/Gt/tf

lb“b} rfn" jif{df cfkm\gf sfo{x?nfO{ s]lGb|t ul/“b} nlug] 5 .

Joj;flos hf]lvd tyf r'gf}ltx?sf] pko'Qm ljZn]if0f u/L,

;Defljt gLltut kl/jt{gx? ;fdgf ug]{ ;Ifdtf af]s]/

z]o/wgLsf] h]yfdf clws eGbf clws of]ubfg k'¥ofpg]

p2]Zon] rfn" jif{df Joj;fo ;~rfngsf] sfo{nfO{ cl3

a9fOg] 5 . Joj;fosf] cfsf/ a9fp“b} v"b Aofh cfodf

j[l4, Aofh cfo eGbf afx]ssf cGo cfDbfgL j[l4sf

;|f]t÷cfwf/sf] klxrfg tyf sfof{Gjog / ;~rfng vr{df

yk ldtJolotf ckgfpg] sfo{df ;d]t a}+s s]lGb|t /xg] 5 .

;"rgf tyf k|ljlwsf] clwstd k|of]u u/L cfw'lgs, e/kbf]{

tyf l56f]5l/tf] tj/n] clws eGbf clws lskmfotL a}+lsË

;]jf tyf ;'ljwfx? Nofpg] tkm{ a}+s lqmofzLn /xL cfPsf]df

To; tkm{sf] lg/Gt/tf sfod} /flvg] 5 . sd{rf/Lx?sf]

bIftf clej[l4 ug{sf] lgldQ tflndsf] Joj:yf ug]{,

cfGtl/s lgoGq0f k|0ffnLnfO{ cem k|efjsf/L agfpg],

cGt/fli6«o s/:kf]G8]G; tyf ljk]|if0f ;xsfo{df j[l4 ub}{

n}hfg] a}+ssf lg/Gt/ ;Dkfbgd} /xg] k|fylds s[ofsnfkx?

dWo]df /x]sf 5g\ . xfn a}+ssf] cfkm\g} ljk|]if0f k|ljlw æd]uf

/]ld6Æ sf] b]z e/ !,#)) eGbf a9L k|ltlglwx? /x]sf 5g\

eg] cGo cfGtl/s tyf cGt/f{li6«o ljk]|if0f ;]jf ;xsfo{sf]

;+Vof @) k'u]sf] 5 h;nfO{ j[l4 ug{ a}+s k|of;/t /x]sf] 5 .

Joj;fo;+u ;DalGwt ljleGg cg';Gwfg Pj+ vf]hd'ns

sfo{x?sf] dfWodaf6 a}+snfO{ ;'/lIft Pj+ gfkmfd'ns 9+uaf6

Joj;fo clej[l4 ug]{ sfo{df a}+sn] :yfkgf u/]sf] cg';Gwfg

Pj+ ljsf; O{sfO{n] k|efjsf/L Pj+ dxTjk"0f{ of] bfg k'¥ofp“b}

cfPsf] 5 . o;nfO{ eljiodf ce}m ;zQm ?kdf kl/rfng

ul/g] 5 .

a}+s tyf ljQLo ;+:yfx?sf] k'“hLut cfwf/ ;'b[9 u/L

bL3{sfnLg ljsf;sf nflu cfjZos kg]{ ;|f]t kl/rfng ug{

tyf ljQLo :yfloTj k|j4{g ug{ @)&$ c;f/ d;fGt;Dd

r'Qmf k'“hL j[l4 u/L jfl0fHo a}+sx?n] Go"gtd r'Qmf k'“hL

?= * ca{ k'¥ofpg' kg]{ Joxf]/f g]kfn /fi6« a}+sn] hf/L u/]sf]

cfly{s jif{ @)&@÷&# sf] df}lb|s gLltdf pNn]v ul/Psf]

lyof] . of] gLltnfO{ sfof{Gjog ug{ g]kfn /fi6« a}+sn]

@)&@÷$÷@! ut] kl/kq dfk{mt ldlt @)&@ efb| d;fGt

leq k'“hL of]hgf k]z ug{ a}+s tyf ljQLo ;+:yfx?nfO{

lgb]{zg ;d]t lbPsf] lyof] . ;f]xL adf]lhd a}+sn] ufEg]

-dh{/_ k|s[ofsf] dfWodaf6 / af]g; ;]o/ tyf xsk|b ;]o/

hf/L ug]{ sfo{af6 cfjZos k'“hL j[l4 ug]{ of]hgf g]kfn

16 d]/f] a}+s – d]uf a}+s

/fi6« a}+sdf k]z u¥of] . dh{/ k|s[ofnfO{ ;sf/fTds 9+un]

sfof{Gjog ug{sf] lgldQ a}+sn] Ps dh{/ sld6L u7g

u/]sf] 5 h;n] dh{/sf ljleGg ;Defjgfx?nfO{ uxg

?kdf cWoog u/L :j:y ljQLo cj:yf ePsf] a}+s÷ljQLo

;+:yf-x?_;+u ;Demf}tf u/L dh{/sf] sfo{ cufl8 a9fpg

k|oTg/t /x]sf] 5 . o;sf cnfjf klZrdf~rn 8]enkd]06

a}+s;+usf] dh{/ k|s[of o; kf“rf}+ jflif{s ;fwf/0f ;efsf]

:jLs[lt kZrft\ dh{/ sfo{sf nflu ul7t ;+o'Qm dh{/

sld6Ln] :jLs[t u/]sf] sfo{ tflnsf adf]lhdg} cf}krfl/s

9+un] cufl8 a9\g] ljZjf; xfdLn] lnPsf 5f}+ .

a}+ssf] k'“hL ;+/rgfdf k|:tfljt x]/k]m/

a}+sn] sf/f]af/ k|f/De u/]sf] kf“r jif{ k'/f e};s]sf] ;Gbe{df

a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] bkmf (-@_

df a}+ssf ;+:yfksn] a}+sn] sf/f]af/ ;~rfng u/]sf]

ldltn] kf“r jif{kl5 cfkm\gf] gfddf /x]sf] z]o/ laqmL ug{

;Sg] Joj:yf /x]sf] tyf o; ;DaGwdf g]kfn /fi6« a}+saf6

hf/L PsLs[t lgb]{zg @)&@ sf] lgb]{zg gDa/ !)-!%_ df

yk Joj:yf ePsf]n] ;f]sf] clwgdf /xL xfn a}+ssf] k'“hL

;+/rgfdf sfod &) ;+:yfks ;d"x / #) ;j{;fwf/0f

;d"x :jfldTj dWo] ;+:yfks ;d"xsf]] !( k|ltzt -;+:yfks

;d"xsf] s"n ;]o/ :jfldTjsf] @&=!$ _ ;]o/ ;j{;fwf/0f

;/x bf];|f] k'“hL ahf/ dfkm{t sf/f]af/ ug{ ;Sg] u/L ;]o/

:jfldTj ;+/rgfdf kl/jt{g ug{ / tTkZrft\ a}+ssf] ;+:yfks

;d"xdf %! / ;j{;fwf/0f ;d"xdf $( sf] k'“hL ;+/rgf

sfod ug{ ldlt @)&@÷%÷!* df a;]sf] a}+ssf] ;~rfns

;ldltsf] !#@ cf}+ a}7sn] lg0f{o u/L g]kfn /fi6« a}+saf6

;d]t :jLs[lt k|fKt eO{;s]sf] x'gfn] o; kf“rf+} jflif{s

;fwf/0f ;efdf pQm k|:tfj :jLs[ltsf] nflu k]z ul/Psf]

5 .

a}+ssf] sf/f]af/nfO{ c;/ kfg]{ d'Vo sf/0fx?

/fli6«o tyf cGt/f{li6«o If]qsf] 36gfqmd / gLltut

kl/j{tgx?n] a}+ssf] sf/f]af/nfO{ k|ToIf tyf ck|ToIf

?kdf c;/ kfb{5g\ h; dWo] ;/sf/L tyf cGo lgofds

lgsfox?sf] gLlt, lgod tyf lgb]{zgx?, k|lt:kwf{, b]zsf]

/fhgLlts cj:yf, cGt/f{li6«o ahf/;+usf] b]zsf] s'6gLlts

;DaGw tyf sf/f]af/, cy{tGqsf cGo If]qdf kg]{ c;/ /

;du| cy{tGqsf kl/;"rsx? 5g\ . ;dLIff jif{sf] nflu

;dli6ut cfly{s cj:yfsf] l;+xfjnf]sg tyf ljut

jif{sf] sf/f]af/sf] l;+xfjnf]sg zLif{s cGtu{t pNn]v eP

adf]lhdsf sf/0fx?n] a}+ssf] sf/f]af/nfO{ d'Vo ?kn] c;/

kf/]sf 5g\ .

zfvf lj:tf/ tyf Pl6Pd

@)&@ a}zfv !@ ut]sf] e"sDkn] k|efljt If]qsf zfvf

sfof{nox?sf] ;~rfng tyf b}lgs sfdsf/jfxLdf c;/ kg{

uPtf klg ef}lts ;+/rgfsf] Iflt eg] ;fdfGo /x]sf] 5 .

e"sDkaf6 ;a} eGbf a9L k|efljt l;Gw'kfNrf]s lhNnfsf]

rf}tf/f zfvf sfof{nonfO{ tTsfn} :yfgfGt/0f u/L @)&@

a}zfv @@ ut]af6 sf/f]af/ ;'rf? ul/Psf]] lyof] eg] e"sDkn]

sf7df8f}+ lhNnfsf] 6]s' tyf gof“ afg]Zj/ zfvf sfof{no

/ /;'jf lhNnfsf] Zofk|m'j]zL zfvf sfof{nonfO{ ;fdfGo

Iflt k'¥ofPsf] lyof] . ;fy} a}+snfO{ k' g uPsf] Ifltsf]

bfjL aLdf sDkgL;+u ul/Psf] 5 . o;sf cnfjf k'/fgf]

ef}lts ;+/rgfsf sf/0f e"sDkn] sflGtky l:yt d'Vo zfvf

ejgnfO{ yk hf]lvdo'Qm agfPsf] x'“bf ;'/Iffsf] b[li6sf]0fnfO{

dWogh/ ub}{ pQm sfof{no :yfGt/0f ug{ cfjZos b]lvPsf]

5 . o;sf lgldQ a+}ssf] s]Gb|Lo÷/lhi68{ sfof{no -s/kf]/]6

sfof{no_ sflGtkyaf6 sdnfbL -/fOlhË dn_ :yfgfGt/0f

ug{ a}+ssf] k|aGwkq tyf lgodfjnLdf cfjZos ;+;f]wgfy{

o;} ;fwf/0f ;efsf] :jLs[ltsf nflu k|:tfj ul/Psf] 5 .

dh{/ ;DaGwL sfo{ cl3 al9/x]sf], k|lts"n cfly{s Pj+

/fhg}lts cj:yf tyf ;du| ljQLo If]qdf a9\b} uPsf

r'gf}ltx?nfO{ Wofgdf /fv]/ ;dLIff jif{df a}+sn] zfvf

lj:tf/nfO{ hf]8 lbPg . oBlk a}+sn] cfly{s jif{ @)&!÷&@

df æ;Ifd PS;]; 6' kmfO{gfG;Æ sfo{qmd;+u u/]sf]

;xsfo{af6 rfn" cfly{s jif{df c5fd lhNnfsf] ;f“k]mau/df

Pp6f zfvf sfof{no ;~rfngdf NofP kZrft\ xfn a}+ssf]

s"n zfvf ;+Vof @( k'u]sf] 5 eg] lgs6 eljiod} 88]Nw'/fsf]

k/z'/fddf yk Pp6f zfvf sfof{no ;~rfngdf cfp“b}

5 . o;} sfo{qmd;+usf] ;xsfo{af6 a}+sn] yk b'O{j6f zfvf

sfof{nox? lj:tf/ ug]{ of]hgf agfPsf] 5 . Joj;fo

clej[l4sf] ;DefJotfsf] cfwf/df cfp“bf lbgx?df zfvf

lj:tf/ tkm{ a}+ssf] kxn eg] hf/L /xg] 5 .

xfn} ;~rfngdf cfPsf] ;f“k]mau/ zfvfdf afx]s a}+ssf

cGo ;Dk"0f{ zfvfx?df Pl6Pdsf] Joj:yf ul/Psf] 5 . zfvf

aflx/ @ :yfgx? -sf7df8f}+sf] 7d]n / gS;fnsf] b]a sg{/_

/ /fO{lhËdn l:yt sfof{no kl/;/df u/L a}+ssf] s"n #@

j6f Pl6Pdx? ;~rfngdf /x]sf 5g\ . g]kfn OGe]i6d]06

a}+ssf] “Associate" k|fof]hgdf a}+sn] le;f sf8{ O{G6/g]Zgn

(VISA Card International) sf] ;b:otf k|fKt u/]sf]

5 . xfn;Dd a}+ssf @^ j6f Pl6Pdx? P;l;6L (SCT)g]6js{af6 le;f O{G6/g]Zgnsf] g]6js{df ;kmntfk"j{s

k|lt:yfkg u/L ;lsPsf 5g\ eg] af“sL ^ j6f lgs6

eljiod} le;fsf] ;~hfndf cfj4 x'g] k|s[ofdf /x]sf 5g\ .

a}+sn] cfkm\gf u|fxsx?nfO{ le;f 8]la6 sf8{ hf/L ub}{ cfPsf]

5 eg] u|fxs tyf cGo sf8{ k|of]ustf{x?sf] ;'ljwfsf] nflu

PglkPg g]6js{ -National Payment Network) sf] ;b:otf

klg lnPsf] 5 . a}+sn] g]kfn /fi6« a}+ssf] Joj:yfsf] clwgdf

/xL kf;kf]6{ ;'ljwfsf] cfwf/df ljb]z e|d0fsf] nflu Mega


Travel Card klg hf/L ug{ z'?jft u/]sf] 5 . o;sf ;fy}

lgs6 eljiod} le;f q]ml86 sf8{ hf/L ug]{ sfo{ ;d]t

clGtd tof/Lsf] cj:yfdf /x]sf] 5 . a}+ssf] P;l;6L sf8{

ePsf u|fxsx?n] P;l;6Lsf] g]6js{ k|of]u u/L pknAw

;]jfx? k|fKt ug{ ;Sg'x'g] 5 .

;"rgf k|ljlw tyf zfvf/lxt a}+ls· ;]jf

ax'/fli6«o ;km\6j]o/ sDkgL cf]/]snn] pTkfbg

u/]sf] cTofw'lgs a}+lsË ;km6\j]o/ "Flexcube" a+}sn]

k|of]udf NofPsf] 5 . ;"rgf k|ljlwsf] dfWodaf6 e/kbf{],

;'/lIft tyf k|efjsf/L ;]jf ;'ljwfx? pknAw u/fpgsf]

lgldQ a+}sn] ;~rfng cjlw b]lv g} u|fxsju{ dfem O{G6/g]6

a+}lsË, PlalaP; ;]jf, Pl6Pd ;'ljwf k|of]udf NofPsf] 5

eg] u|fdL0f ;d'bfo;Ddsf] kx'“rnfO{ ;/n agfpgsf] lgldQ

cTofw'lgs zfvf/lxt a}+lsË ;]jf (Branchless Banking) tyf df]afOn a+}lsË ;'ljwf klg ;~rfngdf NofPsf]

5 . æ;Ifd PS;]; 6' kmfO{gfG;Æ sfo{qmdsf] ;xsfo{af6

rfn" cfly{s jif{df bfªsf] ;f}l8of/ tyf nIdLk'/df gof“

zfvf/lxt a}+lsË s]Gb| :yfkgf eP kZrft\ a}+ssf] xfn

;Dd b]zsf ljleGg b'u{d tyf a}+lsË kx'“r Go"g /x]sf $(

:yfgx?df zfvf/lxt a}+lsË s]Gb|x? :yfkgf eO{;s]sf

5g\ eg] rfn" jif{df of] ;]jfnfO{ lj:tfl/t ug{ yk % j6f

zfvf/lxt a}+lsË s]Gb| :yfkgf ug]{ :jLs[lt a}+sn] g]kfn /fi6«

a}+saf6 k|fKt ul/;s]sf] 5 . æ;Ifd PS;]; 6' kmfO{gfG;Æ

;+usf] ;xsfo{af6 a}+sn] ;Demf}tfsf] tLg jif{ leqdf #) j6f

zfvf/lxt a}+lsË s]Gb|x?sf] :yfkgf ug]{ nIf lnPsf] 5 . o;}

;xsfo{ dfk{mt a}+sn] lgs6 eljiod} g]kfndf klxnf] k6s

cTofw'lgs Pj+ gljgtd\ æ6\ofa a}+lsËÆ (Tab Banking) sf]

z'?jft ug]{ tof/Ldf ;d]t /x]sf] 5 .

;Defljt k|fs[lts k|sf]k tyf cGo hf]lvdaf6 ;'/lIft /xg

a}+sn] cGoq :yfgdf Disaster Recovery Site h8fg u/]sf]

5 . k|ljlwsf] k|of]uaf6 k|efjsf/L, ldtJooL tyf Jojl:yt

9+un] a+}ssf] cfGtl/s ;"rgf k|0ffnL tyf cGo Joj:yfkg

sfo{x? ;~rfng eO/x]sf 5g\ .

cfGtl/s lgoGq0f k|0ffnL

lj:t[t dfkb08 ;lxtsf gLlt, lgodfjnL tyf

sfo{ljlwx?sf ;fy} k|efjsf/L 9+un] :yflkt ;+/rgfTds

9f“rf tyf ;f] adf]lhdsf] sfo{If]q tyf clwsf/ ljefhgn]

a}+ssf] cfGtl/s lgoGq0f k|0ffnL r':t tyf k|efjsf/L

agfpg'sf ;fy} a}+s ;~rfngdf lglxt hf]lvdx?nfO{ ;d]t

Go"lgs/0f u/]sf] 5 . o;sf ;fy} a}+sdf kof{Kt cfGtl/s

lgoGq0f sfod /fVg ;~rfns ;ldlt, n]vfk/LIf0f ;ldlt

tyf Joj:yfkgn] cfGtl/s lgoGq0f k|0ffnLsf] k|efjsf/Ltf

k'g/fjnf]sg ug]{ u/]sf] 5 . a}+ssf] Joj:yfkgaf6 :jtGq

a}+ssf cfGtl/s tyf jfx\o n]vfk/LIfsn] klg cfkm\gf

k/LIf0f sfo{x?af6 a}+ssf] lgoGq0f k|0ffnL dfkg u/]/

a}+snfO{ pko'Qm /fo tyf ;'emfjx? pknAw u/fp“b5g\ .

cGo ljleGg lqmofzLn pk;ldltx?n] ;d]t cfGtl/s

lgoGq0f k|0ffnLnfO{ yk ;'b[9 agfpg cfkm\gf ultljlwx?sf]

dfWodaf6 ;xof]u k'¥ofp“b} cfPsf 5g\ .

;+:yfut ;'zf;g

a}+ssf] bL3{sfnLg ;kmntfsf] lgldQ k|efjzfnL ;+:yfut

;'zf;g ckl/xfo{ /x]sf]n] ;~rfns ;ldlt tyf Joj:yfkgn]

;+:yfut ;'zf;g ;DaGwL g]kfn /fi6« a}+s nufot cGo

lgofds lgsfox?åf/f hf/L gLlt Pj+ lgb]{zgsf] a}+sn] kfngf

ub}{ cfPsf] 5 / ;b}j kfngf ug]{ k|ltj4tf ;d]t JoQm

ub{5 . æxfd|f]nfO{ x}g /fd|f]nfO{ k|fyldstfÆ eGg] gf/fnfO{

cfTd;fy ub}{ a}+ssf ultljlwx?nfO{ cl3 a9fp“b} nluPsf]

5 .

;DklQ z'l4s/0f (Money Laundering) lgjf/0f

u}/ sfg"gL tyf cjfl~5t 9+uaf6 cfh{g u/]sf]

;DklQsf] z'l4s/0f ug]{ ck/flws lqmofsnfknfO{ lgjf/0f

ug{ g]kfn /fi6« a}+saf6 hf/L lgb]{zg adf]lhd u|fxs

klxrfg tyf ;DklQ z'l4s/0f lgjf/0f ;DaGwL gLlt

;~rfns ;ldltaf6 :jLs[t u/fO{ nfu" ul/Psf] 5 .

k|ljlwsf] dfWodaf6 o; sfo{nfO{ yk k|efjsf/L agfpg a}+s

lqmofzLn /x“b} cfPsf] 5 .

;+:yfut ;fdflhs pQ/bfloTj

Joj;flos d'gfkmf cfh{g ug]{ dfq geO{ ;dfhsf] cleGg

c+usf] x}l;otn] ;dfh k|ltsf] pQ/bfloTj cjZo /x]sf] x'G5

eGg] dfGotfnfO{ cfTd;ft u/]/ ;dfhk|ltsf] pQ/bfloTj

jxg ug]{ qmddf a}+sn] ljleGg ;fdflhs sfo{df ;xof]u

k'¥ofPsf] tyf ;f] sfo{x?n] a}+s k|ltsf] b[li6sf]0fdf clt

;sf/fTds k|efj k/]sf] Joxf]/f z]o/wgL dxfg'efjx?nfO{

cjut u/fpg rfxG5f}+ . o;} ;Gbe{df @)&@ a}zfv !@

ut]sf] e"sDkaf6 k|efljt If]qdf a}+sn] kLl8tx?nfO{ tTsfn

/fxt k'¥ofpg] p2]Zon] …d]uf cy{Sj]s u|fG6 csfpG6Ú

gfds vftfsf] :yfkgf u/]sf] lyof] eg] /fxtsf nflu

?= %) nfv a/fa/sf] /fxt ;fdfu|L ;xof]u :j?k k|bfg

u/]sf] lyof]] . o; dWo] a}+ssf] tkm{af6 #% nfv #) xhf/

tyf af“sL /sd ;~rfns ;ldltsf ;b:o tyf a}+sdf

sfo{/t sd{rf/Lx?af6 of]ubfg :j?k ;+sng u/L a}+sn]

/fxt ;fdfu|L l;Gw'kfNrf]s, wflbª / /;'jf lhNnfsf e'sDk

kLl8tx?sf] nflu lhNnf k|zf;g sfof{no / cGo :yfgLo

lgsfosf] ;dGjodf k|bfg u/]sf] lyof] .

18 d]/f] a}+s – d]uf a}+s

Dffgj ;+;fwgrfn" cfly{s jif{ @)&@÷&# b]lv nfu" x'g] u/L a}+sn]]

;+:yfut ;+/rgfdf s]xL kl/jt{g u/]sf] 5 . o;} u/L

gfoj sfo{sf/L k|d'vsf] lgo'lQm klg o;} jif{ ePsf] 5 .

;+/rgfTds kl/jt{g tyf gof“ lgo'lQmn] a}+ssf] Joj;fo

j[l4, d'gfkmf Pj+ ;du| a}+snfO{ g} ;sf/fTds k|efj kfg]{

ljZjf; xfdLn] lnPsf 5f}+ .

d]uf a}+sdf sd{rf/Lx?nfO{ ;DklQsf] ?kdf x]l/g]

ul/Psf] 5 . a}+ssf] k|ult tyf ;kmntf ef}lts k"jf{wf/ jf

cGo sf/0fn] geO{ :jo+ a}+sdf sfo{/t hgzlQmn] lbnfpg]

ljZjf; lnOPsf] 5 . t;y{ a}+s;+u pknAw hgzlQmsf]

plrt pkof]lutfnfO{ ljz]if Wofg lbg] ul/Psf] 5 h;sf

lgldQ sd{rf/L d}qL jftfj/0f ;[hgf ug{ a}+s k|oTgzLn

/x“b} cfPsf] 5 . bIf hgzlQm sfod /fvL /xg jf cfslif{t

ug{ tyf sd{rf/L :jo+sf] j[lQljsf;sf] nflu k|f]T;fxg ug]{

hgzlQm /0fgLlt tyf cEof;x?sf] /rgf ul/Psf] 5 .

sd{rf/Lx?sf] Ifdtf, bIftf cyjf cfjZos tflnd tyf

j[lQ ljsf;sf] ;d]t klxrfg u/L ;f]xL adf]lhd lhDd]jf/L

x:tfGt/0f, tflnd, uf]i7L nufotsf cGo dfgj ;+zfwg

;DaGwL sfo{qmdx? ug]{ ul/Psf] 5 . a}+ssf d"Nox? ;d:t

sd{rf/Lx?n] cg';/0f ug]{ jftfj/0f ;[hgf u/L a}+sdf

æd]uf;+:s[ltÆ nfO{ k|uf9 kfg]{ p2]Zon] ljleGg pknlAwd'ns

sfo{qmdx? ;~rfng ul/“b} cfOPsf] 5 . sd{rf/Lx?n]

cfkm\gf] lhDd]jf/L pT;fxhgs ?kdf ;Dkfbg ug{ pko'Qm

clek|]/0ff k|bfg ug]{ tkm{ a}+s s]lGb|t /x“b} cfPsf] 5 .

sd{rf/Lsf] ;+n gtfnfO{ k|j4{g ug{ ;d:t sd{rf/Lx?

;xefuL x'g] u/L lgoldt ?kdf ljleGg Joj;flos

lzIffd'ns Pj+ dgf]/~hgfTds s[ofsnfkx?sf] cfof]hgf

ul/“b} cfOPsf] 5 . sd{rf/Lx?nfO{ cfkm\gf JolQmut /

Joj;flos ;d:ofx? hgzlQm ljefu ;dIf lgw{Ss k|:t't

ug]{ jftfj/0f agfOPsf] 5 h;n] sd{rf/Ldf ;sf/fTds

:jefj clej[l4 ug{ k|f]T;fxg ug]{df xfdL ljZj:t 5f}+ .

k|efjsf/L Pj+ ldtJooL ;~rfng / Joj:yfkg k|0ffnLsf]

clej[l4sf nflu a}+sn] ;km\6j]o/sf] dfWodaf6 x/]s

ljefux?sf b}lgs lqmofsnfknfO{ lg/LIf0f ug]{ u/]sf] 5 eg]

cfjZostf adf]lhd x]/km]/ jf k'g/fjnf]sg ;d]t ug]{ u/]sf]

5 . a}+ssf] cfGtl/s ;"rgf ;~hfn ;a} sd{rf/Lx?sf] kx'“r

leq ePsf] sf/0f ;~rf/ tyf ;"rgfsf] of] ;j{;'netfn]

a}+sdf sfd ug]{ tyf Ifdtf clej[l4 ug]{ jftfj/0fnfO{

k|f]T;flxt u/]sf] 5 .

n]vfk/LIf0f

a}+ssf] rf}yf] jflif{s ;fwf/0f ;efn] cfly{s jif{ @)&!÷&@

sf] nflu n]vfk/LIf0f ug{ b]a c;f]l;P6\;, rf6{8{

PsfpG6]06\;nfO{ n]vfk/LIfs lgo'Qm u/] adf]lhd pQm

sDkgLaf6 n]vfk/LIf0fsf] sfo{ ;DkGg eof] . ;fy} pQm

sDkgLn] tLg sfo{sfnsf] lgldQ jfx\o n]vfk/LIf0fsf] sfo{

;DkGg ul/;s]sf] x'gfn] sDkgL P]g, @)^# tyf a}+s tyf

ljQLo ;+:yf ;DaGwL P]g, @)^# df ePsf] Joj:yf adf]lhd

pQm sDkgLsf] sfo{sfn ;dfKt ePsf] 5 . t;y{ cfly{s

jif{ @)&@÷&# sf] lgldQ jfx\o n]vfk/LIfs lgo'lQmsf

nflu a}+ssf] n]vfk/LIf0f ;ldltsf] l;kmfl/;df a}+ssf] kf“rf}+

;fwf/0f ;efdf :jLs[ltsf] nflu k]z ul/Psf] 5 .

;~rfns ;ldlt

cWoIf k|f=8f=dbg s'df/ bfxfnsf] g]t[Tjdf 8f=b'dg yfkf,

>L ef]haxfb'/ zfx, >L uf]kfn vgfn, >L dbg s'df/

cfrfo{, >L ;'lzn/fd dfy]df, >L r]t gf/fo0f kf08],

>L lbk]Gb| cu|jfn / >L k/d]Zj/ kGt ;lxtsf] ( ;b:oLo

;~rfns ;ldlt /x]sf]df ;dLIff cjlwdf Joj;flos

;~rfns >L ;'lzn/fd dfy]dfn] ;~rfns kbaf6 lbg'

ePsf] /flhgfdf ldlt @)&@÷)#÷!$ df a;]sf] a}+ssf]]

;~rfns ;ldltsf] !@%cf}+ a}7sn] :jLs[t u/]sf] 5 .

a}+snfO{ xfnsf] cj:yf;Dd NofO{ k'¥ofpg ;~rfns

>L dfy]dfn] k'¥ofpg' ePsf] of]ubfgsf] pRr d"NofÍg ub}{

pxf“nfO{ wGojfb lbg rfxG5f}+ . pxf“sf] /flhgfdf kZrft\

a}+sdf * ;b:oLo ;~rfns ;ldlt sfod /x]sf] 5 .

;+:yfks ;d"xaf6 ;~rfns ;ldltdf k|ltlglwTj ug]{

;b:ox?sf] sfo{sfn o;} cjlwdf ;dfKt x'g] ePsf]n] gof“

;~rfns ;b:ox?sf] rog o;} jflif{s ;fwf/0f ;efn] ug]{

5 .

cGTodf a}+ssf ;+:yfks tyf z]o/wgL dxfg'efjx?, ;d:t

u|fxsju{x?, g]kfn /fi6« a}+s, g]kfn ;/sf/, g]kfn lwtf]kq

af]8{, g]kfn :6s PS;r]~h lnld6]8, sDkgL /lhi6«f/sf]

sfof{no, l;l8P; tyf cGo lgodgsf/L lgsfox?, k|d'v

sfo{sf/L clws[t >L clgn s]z/L zfx / pxf“sf] g]t[Tjsf]

Joj:yfkg ;d"x Pj+ ;Dk"0f{ sd{rf/Lx? tyf a}+ssf]

Joj;fosf] j[l4 Pj+ ljsf;df k|ToIf jf ck|ToIf ?kdf

;xof]u k'¥ofpg' x'g] ;Dk"0f{ z'e]R5'sx?sf ;fy} ;~rf/

dfWodk|lt xflb{s cfef/ JoQm ub}{ wGojfb lbg rfxG5f}+ .

k|f= 8f= dbg s'df/ bfxfn

cWoIf

uf]kfn vgfn

;~rfns

r]t gf/fo0f kf08]

;~rfns

ldltM @)&@ d+l;/ @!

8f= b'dg yfkf

;~rfns

dbg s'df/ cfrfo{

;~rfns

lbk]Gb| cu|jfn

;~rfns

ef]haxfb'/ zfx

;~rfns

k/d]Zj/ kGt

;~rfns


sDkgL P]g @)^# sf] bkmf !)( pkbkmf $ cg';f/sf]cltl/Qm ljj/0f

-s_ ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg ;~rfns ;ldltsf] k|ltj]bgdf ;+n g ul/Psf] .

-v_ /fli6«o tyf cGt/f{li6«o kl/l:yltaf6

sDkgLsf] sf/f]af/nfO{ s'g} c;/ k/]sf] eP

;f] c;/

/fli6«o tyf cGt/f{li6«o If]qsf] 36gfqmd, gLltut

kl/j{tg / b]lvg] k|j[ltx?n] a}+ssf] sf/f]af/nfO{

k|ToIf tyf ck|ToIf ?kdf c;/ kfb{5g\ h; dWo]

;/sf/L tyf cGo lgofds lgsfox?sf] gLlt,

lgod tyf lgb]{zgx?, k|lt:kwf{, b]zsf] /fhgLlts

cj:yf, cGt/f{li6«o ahf/;+usf] b]zsf] s'6gLlts

;DaGw tyf sf/f]af/, cy{tGqsf cGo If]qdf kg]{

c;/ / ;du| cy{tGqsf kl/;"rsx? 5g\ . ;dLIff

jif{sf] nflu ;~rfns ;ldltsf] k|ltj]bg cGtu{t

;dli6ut cfly{s cj:yfsf] l;+xfjnf]sg tyf ljut

jif{sf] sf/f]af/sf] l;+xfjnf]sg lzif{sdf pNn]v eP

adf]lhdsf sf/0fx?n] a}+ssf] sf/f]af/nfO{ d'Vo ?kn]

c;/ kf/]sf 5g\ .

-u_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn" jif{sf]

pknlAw / eljiodf ug'{kg]{ s'/fsf]

;DaGwdf ;~rfns ;ldltsf] wf/0ff

;~rfns ;ldltsf] k|ltj]bgdf ;+n g ul/Psf] .

-3_ sDkgLsf] cf}Bf]lus jf Joj;flos

;DaGw

xnf] b]lv xfO8«f] ;Ddsf x/]s g]kfnLsf] a}+s eO{

;Dk"0f{{ u|fxsx?sf] nflu pRr:t/Lo ;]jf k|bfg

ug]{ nIo;fy cl3 a9L/x]sf] o; a}+sn] ;~rfngsf]

5f]6f] cjlwd} k|uf9 cf}Bf]lus tyf Joj;flos

;DaGw sfod ug{ ;kmn ePsf] 5 . a}+s;+u ljleGg

If]q;+u cfj4 u|fxsju{x?n] sf/f]af/ ug'{ x'G5 eg]

Joj;flos ljljwtfdf lbgfg'lbg j[l4 eO/x]sf] 5 .

;~rfngsf] 5f]6f] cjlwd} a}+sn] w]/} nf]slk|otf

xfl;n u/]sf] 5 .

-ª_ ;~rfns ;ldltdf ePsf] x]/km]/ /

;f]sf] sf/0f

;dLIff cjlwdf Joj;flos ;~rfns >L ;'lzn/fd

dfy]dfn] ;~rfns kbaf6 lbg' ePsf] /flhgfdf ldlt

@)&@÷)#÷!$ df a;]sf] a}+ssf]] ;~rfns ;ldltsf]

!@%cf}+ a}7sn] :jLs[t u/] kZrft\ a}+sdf * ;b:oLo

;~rfns ;ldlt sfod /x]sf] 5 .

-r_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx¿ ;~rfns ;ldltsf] k|ltj]bgdf ;+n g ul/Psf] .

-5_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot

pNn]v ePsf] eP ;f] pk/ ;~rfns

;ldltsf] k|ltlqmof

s}lkmot ePsf] cj:yfdf s}lkmot pk/ ;'wf/sf]

lgldQ ;~rfns ;ldltn] Joj:yfkgnfO{ cfjZos

lgb]{zg lb+b} cfPsf] 5 / ;'wf/sf] lgldQ a}+s ;b}j

sl6j4 /x]sf] 5 .

-h_ nfef+z af“8kmf“8 ug{ l;kmfl/; ul/Psf] /sd r'Qmf k'“hLsf] !) cyf{t ?= @^,)(,^),))) af]g;

z]o/ tyf ;f] sf] nflu cfjZos s/sf] lgldQ r'Qmf

k'“hLsf] )=%# cyf{t ?= !,#&,#$,&#& gub nfef+z

l;kmfl/; ul/Psf] 5 .

-em_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/

;+Vof, To:tf] z]o/sf] cl°t d"No, To:tf]

z]o/ hkmt x'g' eGbf cufj} ;f] jfkt

20 d]/f] a}+s – d]uf a}+s

sDkgLn] k|fKt u/]sf] hDdf /sd /

To:tf] z]o/ hkmt ePkl5 ;f] z]o/ laqmL

u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt

ePsf] z]o/jfkt /sd lkmtf{ u/]sf] eP

;f]sf] ljj/0f

gePsf] .

-`_ ljut cfly{s jif{df sDkgL / o;sf]

;xfos sDkgLsf] sf/f]af/sf] k|ult /

;f] cfly{s jif{sf] cGtdf /x]sf] l:yltsf]

k'g/fjnf]sg

sDkgLsf] sf/f]af/ k|ult ;~rfns ;ldltsf]

k|ltj]bgdf ;+n g ul/Psf] 5 eg] a}+ssf] ;xfos

sDkgL gePsf] .

-6_ sDkgL tyf To;sf] ;xfos sDkgLn]

cfly{s jif{df ;DkGg u/]sf] k|d'v

sf/f]af/x¿ / ;f] cjlwdf sDkgLsf]

sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{g

sDkgLn] a}+lsË sf/f]af/ ;~rfng u/]sf] / dxTjk"0f{

sfo{x?sf] af/]df ;~rfns ;ldltsf] k|ltj]bgdf

pNn]v u/LPsf] 5 eg] a}+ssf] ;xfos sDkgL

gePsf] .

-7_ ljut cfly{s jif{df sDkgLsf] cfwf/e"t

z]o/wgLx¿n] sDkgLnfO{ pknAw u/fPsf]

hfgsf/L

g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd k]z ug'{ kg]{{

hfgsf/L eGbf afx]s cGo hfgsf/L k|fKt gePsf] .

-8_ ljut cfly{s jif{df sDkgLsf ;~rfns

tyf kbflwsf/Lx¿n] lnPsf] z]o/sf]

:jfldTjsf] ljj/0f / sDkgLsf] z]o/

sf/f]af/df lghx¿ ;+nUg /x]sf] eP ;f]

;DaGwdf lghx¿af6 sDkgLn] k|fKt

u/]sf] hfgsf/L

ljut cfly{s jif{df sDkgLsf ;~rfns tyf

kbflwsf/Lx?n] z]o/sf] :jfldTj lnPsf] tyf

sDkgLsf] z]o/ sf/f]af/df pxf“x? ;+n g /xg' ePsf]

;DaGwdf a}+snfO{ s'g} hfgsf/L k|fKt gePsf] .

-9_ ljut cfly{s jif{df sDkgL;“u ;DalGwt

;Demf}tfx¿df s'g} ;~rfns tyf lghsf]

glhssf] gft]bf/sf] JolQmut :jfy{sf]

af/]df pknAw u/fOPsf] hfgsf/Lsf] Joxf]/f

hfgsf/L pknAw gePsf] .

eP To;/L cfkmgf] z]o/ vl/b ug'{sf]

sf/0f, To:tf] z]o/sf] ;+Vof / cl°t d"No

tyf To;/L z]o/ vl/b u/]jfkt sDkgLn]

e'QmfgL u/]sf] /sd

gePsf] .

-t_ cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] /

ePsf] eP ;f]sf] lj:t[t ljj/0f

ljj/0f ;~rfns ;ldltsf] k|ltj]bgdf ;+n g

ul/Psf] .

-y_ ljut cfly{s jif{sf] s"n Joj:yfkg vr{sf]

ljj/0f

-!_ sd{rf/L vr{ ?= !*,^!,^%,$#@

-@_ sfof{no ;~rfng vr{ ?= @&,##,((,&@@

-b_ n]vfk/LIf0f ;ldltsf ;b:ox¿sf]

gfdfjnL, lghx¿n] k|fKt u/]sf] kfl/>lds,

eQf tyf ;'ljwf, ;f] ;ldltn] u/]sf] sfd

sf/afxLsf] ljj/0f / ;f] ;ldltn] s'g}

;'emfj lbPsf] eP ;f]sf] ljj/0f -!_ n]vfk/LIf0f ;ldltsf ;b:ox¿sf] gfdfjnL

;~rfns >L uf]kfn vgfn ;+of]hs

;~rfns >L lbk]Gb| cu|jfn ;b:o

;~rfns >L k/d]Zj/ kGt ;b:o

>L ljBfsfGt clwsf/L ;b:o ;lrj

-@_ ;ldltsf ;b:ox¿nfO{ a}7s eQf afx]s s'g}

kfl/>lds of ;'ljwf k|bfg ul/Psf] 5}g eg] ;+of]hs

/ ;b:onfO{ k|lt a}7s eQf ?= *,)))÷– k|bfg

ul/Psf] 5 .

-#_ cfly{s jif{ @)&!÷&@ df n]vfk/LIf0f ;ldltsf]

a}7s !) k6s a;]sf] 5 . ;ldltn] cfGtl/s

n]vfk/LIf0fsf] jflif{s sfo{ of]hgf kfl/t u/L ;f]

sfof{Gjo u/fpg] tyf a}+ssf] gLlt lgod tyf

;~rfng ;DaGwL sfd s'/fx?sf] k'g/fjnf]sg u/L

Joj:yfkg tyf ;~rfns ;ldltnfO{ cfjZos

;'emfjx? ;d]t lbPsf] 5 . o;sf ;fy} g]kfn /fi6«

a}+s tyf jfx\o n]vfk/LIfsn] lbPsf] k|ltj]bg pk/


lj:t[t ?kdf 5nkmn u/L ;~rfns ;ldltnfO{

cfjZos ;'emfj lbPsf] 5 .

-w_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v,

sDkgLsf cfwf/e"t z]o/wgL jf lghsf]

glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{,

sDkgL jf ;+u7Lt ;+:yfn] sDkgLnfO{ s'g}

/sd a'emfpg af“sL eP ;f] s'/f

gePsf] .

-g_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v

tyf kbflwsf/Lx¿nfO{ e'QmfgL ul/Psf]

kfl/>lds, eQf tyf ;'ljwfsf] /sd

;~rfnsx?nfO{ a}7s eQf jfkt ?= #(,^),)))÷–

k|bfg ul/Psf] 5 . df]afO{n tyf kqklqsf vr{ jfkt

?= %,$),)))÷– k|bfg ul/Psf] 5 .

a}+ssf k|aGws tx b]lv dfyLsf cGo

kbflwsf/Lx¿nfO{ lgDg adf]lhdsf] kfl/>lds, eQf

tyf ;'ljwf k|bfg ul/Psf] 5 M

qm=;+= ljj/0f k|d'v sfo{sf/L

clws[t

k|aGws÷

dxfk|aGws

1 tna !,$&,)),))) @,)@,%),@)#

2 eQf !,@&,^!,#*$

3 ;~rosf]if @),@%,)@)

4 bz}+ eQf !@,@%,))) @%,%^,()&

5 OGwg @,*%,%$% !&,@$,$%*

6 cGo uf8L ;'ljwf,

rfns, ;'/Iff uf8{,

df]jfOn vr{, aLdf,

P]g adf]lhd af]g;

ff8L ;'ljwf,

6]lnkmf]g vr{,

aLdf, cfjf; shf{,

P]g adf]lhd af]g;

-k_ z]o/wgLx¿n] a'lemlng af“sL /x]sf]

nfef+zsf] /sd @)&@ cfiff9 d;fGtdf z]o/wgLx?n] a'lemlng af“sL

/x]sf] nfef+z /sd ?= !,&$,(^,)!*÷– /x]sf] 5 .

-km_ bkmf !$! adf]lhd ;DklQ vl/b jf laqmL

u/]sf] s'/fsf] ljj/0f

gePsf] .

-a_ bkmf !&% adf]lhd ;Da4 sDkgL aLr

ePsf] sf/f]af/sf] ljj/0f

gePsf] .

-e_ o; P]g tyf k|rlnt sfg"g adf]lhd

;~rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{

cGo s'g} s'/f

o; k|ltj]bgsf] pko'Qm 7fp“df k|:t't ul/Psf] .

-d_ cGo cfjZos s'/fx¿

o; k|ltj]bgsf] pko'Qm 7fp“df k|:t't ul/Psf] .

22 d]/f] a}+s – d]uf a}+s

;]jf tyf ;'ljwfx?

pkef]Qmf shf{d]uf a}+sn] cfkm\gf u|fxsx¿sf] JolQmut cfjZostf

k"lt{ ug{ ljleGg k|sf/sf pkef]Qmf shf{x¿ u|fxs ;dIf

NofPsf] 5 . u|fxssf] JolQmut cfjZostfnfO{ ;Daf]wg

ug]{ u/L pkef]Qmf shf{ cGtu{t ljleGg of]hgf NofOPsf]

x'“bf u|fxsx¿nfO{ cfkm\gf]kgsf] cfefif x'g] u/L ;]jf pknAw

u/fpg a}+s ;b}j k|ltj4 5, rfx] Tof] 3/ vl/b ug{ rflxg]

ljQLo cfjZostf xf]; jf ;jf/L ;fwg, 3/]n' pks/0f,

afnaflnsfsf nflu lzIff, cf}ifwf]krf/ jf kfl/jfl/s ljbf

dgfpg cfjZos kg]{ ljQLo cfjZostf g} lsg gxf];\ .

d]uf c6f] nf]gM d]uf c6f] nf]gn] u|fxssf nflu gof“ jf

k|of]udf cfO/x]sf lghL ;jf/L ;fwgsf ;fy} Joj;flos

k|of]hgsf nflu ;jf/L ;fwg vl/b ug{ ljQLo ;xof]u

pknAw u/fp“b5 . cfsif{s Aofhb/, nlrnf] shf{ cjlw tyf

e'QmfgL ljsNk h:tf sf/0fn] d]uf c6f] nf]gn] u|fxsnfO{

;lhn} cfkm\gf] O{R5fPsf] ;jf/L ;fwg 3/ n}hfg ;xh

agfPsf] 5 .

d]uf cfjf; shf{M a}+sn] Df]uf cfjf; shf{ (Mega Home Loan) dfkm{t u|fxsx¿nfO{ emGem6/lxt l56f]5l/tf] k|lqmof

dfkm{t shf{ :jLs[lt, ;xh Pj+ nrsbf/ e'QmfgL k|lqmof

tyf cfsif{s Aofhb/ ;lxtsf ljljw ljz]iftfo'Qm Kofs]h

k|:t't u/]sf] 5 . h uf vl/b, tof/L 3/ vl/b, ckf{6d]G6sf]

vl/b, cfjf; lgdf{0f, dd{t, k'glg{df{0f jf 3/]n' pks/0f

vl/b ug{ d]uf xf]d nf]g dfkm{t a}+sn] u|fxssf nflu k"0f{

ljQLo ;dfwfg lb“b} cfPsf] 5 .

d]uf df]6{u]h nf]gM nfdf] shf{ cjlw, cfsif{s Aofhb/,

;/n Pj+ l56f]5l/tf] shf{ k|s[of ;lxtsf] ljz]iftf ePsf]

d]uf df]6{u]h shf{ Ps nlrnf] of]hgf xf] . o; cGtu{t

u|fxsn] cfkm\gf] tTsflng ljQLo cfjZostf k"/f ug{

;Sg] 5g\ . pkef]Qmfn] cfÎgf] :jfldTjdf /x]sf] crn ;DklQ

b[li6aGws u/L d]uf df]6{u]h nf]gsf] dfWodaf6 cfÎgf] ljQLo

cfjZostf k"/f ub}{ cfPsf 5g\ .

d]uf df]6{u]h cf]e/8«fkm\6M d]uf df]6{u]h cf]e/8«fkm\6

gljs/0f x'g] k|s[ltsf] shf{ ;'ljwf xf] h;n] u|fxssf]

cNksflng ljQLo cfjZostf k"/f ug{ cfkm\gf] :jfldTjdf

/x]sf] cfjf; jf Joj;flos ;DklQ a}+sdf lwtf] /fv]/

k|fKt ug{ ;Sb5g\ . u|fxsnfO{ cfÎgf] ljQLo cfjZostf

tTsfn} k"lt{ u/L ;f]sf] e'QmfgL dfl;s ?kdf ug{ ;lsg] o;

d]uf df]6{u]h cf]e/8«fkm\6 of]hgfdf u|fxsn] pkof]u u/]sf]

/sdsf] dfl;s÷q}dfl;s cjlwdf Aofh ltg{' kb{5 .

d]uf JolQmut shf{M d]uf JolQmut shf{ ax'p2]ZoLo

k|of]hgsf] nflu pkof]u ug{ ;lsg] k|s[ltsf] shf{ ;'ljwf

xf] h;df u|fxssf ;–;fgf ljQLo cfjZostf k"lt{ ug{

a}+sn] l56f]5l/tf] tl/sfaf6 of] shf{ pknAw u/fp“5 .

pkef] o tyf Joj;flos ;fdfu|Lx¿ vl/b ug{, ljbf dgfpg

tyf cf}ifwf]krf/ nufotdf cfjZos kg]{ ljQLo vf“rf]

6fg{ d]uf JolQmut shf{ u|fxssf] nflu cToGt ;xh /

emGem6 /lxt k|s[ltsf] shf{ of]hgf xf] .

d]uf z}lIfs shf{M g]kfn leq jf g]kfn aflx/ pRr lzIff

cWoog ug{ rfxg] ljBfyL{sf] ;xh ljQLo ;dfwfgsf]

?kdf d]uf z}lIfs shf{ of]hgf a}+sn] NofPsf] xf] . o;df

crn ;DklQ lwtf] /fvL OR5's u|fxsn] pRr lzIffsf

nflu cfjZos kg]{ egf{ tyf cWoog z'Ns, d;nGb tyf

cGo cfjZos vr{ wfGg shf{ lng ;Sb5g\ . rf/ jif{

;Ddsf] e'QmfgL :yug cjlw ePsf] o; of]hgfdf u|fxsn]

:yug cjlw e/ pkof]u u/]sf] shf{sf] Aofh dfq ltg{ ;Sg]

ljsNk ;d]t /x]sfn] of] of]hgf u|fxsd}qL 5 .

d]uf ;/n z]o/ lwtf] shf{M z]o/ lwtf] /fvL shf{ lng

rfxg] u|fxssf] nflu a}+sn] ;/n Pj+ emGem6 /lxt

k|lqmofsf] -Go'gtd ?= Ps nfv b]lv lng ;lsg]_ cfsif{s

Aofhb/sf] shf{ of]hgf NofPsf] 5 .

d]uf 8fO/]S6 a}+ls·M u|fxsju{df ;dlk{t ;'/lIft cgnfOg

a}+lsË d]uf 8fO/]S6 a}+lsËn] u|fxsnfO{ cfkm\gf] 3/, sfof{no

jf OG6/g]6 ;'ljwf pknAw ePsf] s'g} klg :yfgaf6 @$

;} 306f, #^% lbg g} a}+lsË ;'ljwfsf] nflu ;Ifd agfPsf]

5 . d]uf 8fO/]S6 a}+lsË ;]jf JolQmut tyf ;+:yfut b'j}

y/Lsf u|fxsx¿n] pkof]u ug{ ;Sb5g\ . o;af6 u|fxsx¿n]

cfkm\gf] vftfdf ePsf] sf/f]af/sf] lj:t[t hfgsf/L lng,

r]s dfkm{t /sd e'QmfgL eP gePsf] hfgsf/L lng, lgIf]k

tyf shf{sf] hfgsf/L lng tyf a}+s leq}sf] ljleGg vftfdf

/sdfGt/ ug{ ;d]t ;Sb5g\ .


s/kf]/]6 a}+ls·

b]zsf 7"nf Jofkf/Ls Pj+ cf}Bf]lus k|lti7fgx¿sf] ljQLo

cfjZostfsf ;fy} k|lt:kwf{Tds cj:yf ;d]tnfO{ Wofgdf

/fVb} oL k|lti7fgx¿sf] Joj;fo j[l4 of]hgfnfO{ a}+sn]

/fd|f];“u a'‰b} cfPsf] 5 . d]uf s/kf]/]6 a}+lsËn] d'n'ssf

oL k|lti7fg tyf ax'/fli6«o sDkgLx¿sf] ;~rfngdf

cfjZos ljQLo ;dfwfgsf nflu ljleGg ;]jfx¿ pknAw

u/fp“b} cfPsf] 5 . o;sf nflu cfjZostf cg';f/sf] rfn"

k'“hL shf{, k|tLtkq, cfoft÷lgof{t shf{, l8df08 shf{,

cfjlws shf{, laN; kmfOgfG;, k|f]h]S6 kmfOgfG; nufotsf

ljljw shf{ of]hgfx¿ k|:t't u/]sf] 5 h;n] u|fxssf]

cf}Bf]lus÷Joj;flos cfjZostf kl/k"lt{ ug{ cToGt

;xh agfPsf] 5 . d]uf a}+s ;“usf] ;xsfo{åf/f Joj;foLn]

z'?jft b]lv cGTo;Dd cfjZos kg]{ ;a} k|s[ltsf ljQLo

cfjZostfx¿nfO{ k"lt{ ug{ ;Sb5g\ . d]uf a}+ssf] s/kf]/]6

a}+lsË OsfO{n] u|fxssf] cfjZostfnfO{ a'‰g kof{Kt ;do

lbO{ pxf“x¿sf] ljQLo ;d:of ;dfwfgsf nflu lg/Gt/ ?kdf

sfo{/t /x]sf] 5 .

;fgf tyf demf}nf pBf]u Joj;fo -P;PdO{_

shf{b]zleq xnf]b]lv xfO8«f];Dd cfj4 hgtfx¿nfO{ ljQLo

;]jf pknAw u/fpg] sfo{df ;fgf tyf demf}nf -P;PdO{_

pBd;“u ;DalGwt If]qnfO{ lj:tf/ ub}{ a}+lsË ;]jfsf]

dfWodaf6 d'n'ssf] cfly{s ljsf;df of]ubfg k'¥ofpg]

;f]rsf ;fy a}+sn] ;fgf tyf demf}nf pBf]u Joj;fo

-P;PdO{_ shf{ u|fxs ;dIf k|:t't u/]sf] 5 h;n] ;fgf

tyf demf}nf pBdx¿nfO{ ljQLo ;'ljwf dfq} pknAw

gu/fO{ ljQLo sf/f]af/sf] cEof;, pBd Joj:yfkg tyf

ahf/ ljsf;df klg k|f]T;fxg ub}{ cfPsf] 5 . o;sf

cnfjf ;fgf pBf]u÷Joj;fo tyf 7"nf s/kf]/]6sf] aLrdf

/x]sf dWo cfsf/sf pBf]u÷Joj;fodf ;d]t Wofg s]lGb|t

u/L a}+sn] Ps 5'§} æld8 s/kf]/]6 O{sfO{Æ v8f u/L ;f]

ju{sf u|fxsx?nfO{ ljQLo ;]jfx? k|bfg ub}{ cfPsf] 5 .

P;PdO{÷ld8 s/kf]/]6 cGtu{t a}+sn] lgIf]k b]lv shf{;Ddsf

u|fxsnfO{ a[xt ;]jf pknAw u/fp“b} cfPsf] 5 .

d]uf sf8{k|ljlwsf] a9\bf] pkof]u ;+u;+u} a}+lsË If]qdf

u|fxsx¿n] ;'ljwfo'Qm pks/0fsf] rfxgfsf sf/0f Knfl:6s

sf8{ tyf Pl6Pd ;~hfndf klg lgM;Gb]x j[l4 eO{/x]sf] 5 .

o;} oyfy{nfO{ Wofgdf /fvL d]uf a}+sn] cfkm\gf] ;]jf k|f/De

u/]sf] lbgb]lv g} sf8{ tyf Pl6Pd ;]jfnfO{ :df6{RjfO;

6]Sgf]nf]lhh k|f=ln= ;“u ;xsfo{ u/L cfkm\gf u|fxsx¿nfO{

SCT sf8{ ;]jf pknAw u/fp“b} cfPsf] xf] . sf8{ ;]jf

;~hfnnfO{ yk km/flsnf] Pj+ lj:t[t agfpg a}+sn] le;f

sf8{ O{G6/g]Zgn (VISA Card International) sf] ;b:otf

lnO{ le;f 8]la6÷qm]l86 sf8{ hf/L ug{ z'?jft ul/;s]sf]

5 . o;sf ;fy} cfkm\gf u|fxsju{df pTs[i6 ;]jf lbg]

lg/Gt/ k|of; :j?k a}+sn] National Payment Network (NPN) ;“u ;xsfo{ ;d]t u/]sf] 5 . NPN ;“usf] ;fe]mbf/L

kZrft\ a}+ssf Pl6Pdx?n] NPN Network, Visa Card Network /Master Card Network af6 hf/L ePsf /fli6«o

tyf cGt/f{li6«o sf8{ :jLsf/ ug{ ;Sb5g\ . d]uf sf8{sf]

dfWodaf6 a}+ssf u|fxsn] s'g} klg ;do a}+sdf /x]sf]

cfkm\gf] vftfaf6 P;;L6L tyf le;f Pl6Pd ;~hfn dfkm{t

/sd lemSg ;Sg] 5g\ eg] k;nx¿af6 pkef] o j:t' jf

;fdfg vl/b ubf{ jf xf]6n÷/]:6'/]G6df /sd e'QmfgL ubf{

;f]xL ;~hfnx? dfkm{t e'QmfgL klg ug{ ;Sg] 5g\ . le;f

sf8{ /fli6«o tyf cGt/f{li6«o ahf/df k|of]u ug{ ;lsG5 h;

cGtu{t ljb]zdf cWoog, 3'dlkm/ tyf Joj;flos ofqfdf

6«fen sf8{ :j?k klg k|of]u ug{ ;lsG5 . P;;L6L sf8{

k|fKt ug'{ ePsf a}+ssf u|fxsx?n] P;;L6Lsf] ;~hfnaf6

sf/f]af/ ug{ ;Sg'x'g] 5 .

d]uf lgIf]k;dfhsf ljleGg If]qaf6 ljQLo ;|f]tsf] ;+sng u/L

t/ntfsf] l:ylt dha't ug{ a}+sn] g]kfnL tyf ljb]zL

d'b|fdf ljleGg lgIf]k of]hgfx¿ u|fxs ;dIf k|:t't u/]sf]

5 . ;dfhsf ;a} txsf u|fxsx¿sf] cfjZostfnfO{ k"lt{

ug]{ nIosf ;fy rNtL, art, sn tyf d'2tL lgIf]k of]hgf

a}+sn] NofPsf] 5 . a}+ssf lgIf]k of]hgfx¿ lgDgfg';f/ 5g\M

d]uf nf]slk|o art vftfM ;dfhsf ;a} JolQmx¿sf nflu

pko'Qm tyf cfsif{s ?kdf lgIf]k ;'/lIft /fVg] p2]Zon]

d]uf nf]slk|o art vftf NofOPsf] xf] . æljQLo ;dfj]lztfÆ

eGg] a}+ssf] d'Vo p2]ZonfO{ dgg ub}{ NofOPsf] o; of]hgf

cGtu{t vftf vf]Ng rfxg] u|fxsn] z"Go df}Hbftdf ;d]t

vftf vf]Ng ;Sb5g\ . tna Joj:yfkg tyf a}+s÷ljQLo

;+:yf nufotsf sDkgLn] ;j{;fwf/0fsf nflu z]o/

lgisfzg ubf{ ;d]t of] vftf pkof]u ug{ ;lsG5 . o;

of]hgfdf a}+sdf vftf vf]Ng] u|fxsn] lgMz'Ns r]sa's,

P;;L6L 8]la6 sf8{ tyf cgnfO{g a+}lsË ;]jf k|fKt ug{

;Sb5g\ .

d]uf z'ef/De art vftfM of] Pp6f cfsif{s art of]hgf

xf] h;df u|fxsn] lgIf]k /sddf cfsif{s k|ltkmn kfpg'sf

;fy} ljleGg 5'6 / ;'ljwf tyf ;]jfx¿ k|fKt ug{ ;Sb5g\ .

o; of]hgf cGtu{t u|fxsn] Go"gtd ?=!) xhf/ lgIf]k

/sd vftfdf /fVg' kb{5 . u|fxsn] r]sa's, P;;L6L 8]la6

sf8{ tyf cgnfOg a+}lsË ;]jf lgMz'Ns k|fKt ug{ ;Sb5g\ .

d]uf lghL a}+lsË tyf xf]d a}+lsË ;]jf ;d]t o; of]hgfdf

pknAw 5 .

d]uf k|j4{s art vftfM k|j4{sx¿sf] 7"nf] tyf dha't

;~hfnnfO{ Wofgdf /fvL a}+sn] d]uf k|j4{s art vftf

24 d]/f] a}+s – d]uf a}+s

of]hgf NofPsf] xf] . o; cGtu{t a}+ssf k|j4{sx¿n] z"Go

df}Hbftdf ;d]t vftf vf]Ng ;Sg' x'G5 eg] Go"gtd ?= !)

xhf/ lgIf]k /sddf cfsif{s Aofh ;lxt r]sa's, P;;L6L

8]la6 sf8{ tyf cgnfO{g a}+lsË ;]jf lgMz'Ns k|fKt ug{ ;Sg'

x'G5 .

d]uf z]o/wgL art vftfM cToflws ;+Vofdf /x]sf]

a}+ssf] ;j{;fwf/0f z]o/wgLx?nfO{ nlIft u/L NofOPsf] of]

lgIf]k of]hgfsf] p2]Zo z]o/wgLx?n] nfef+z ;xh 9+un]

k|fKt ug]{ Joj:yf ldnf];\ eGg] xf] . o; of]hgfsf ljz]iftfx?

k|j4{s art vftf ;/x g} /x]sf] 5 .

d]uf :jfledfg art vftfM %) jif{ jf ;f] eGbf dfyLsf

u|fxsnfO{ nlIft u/L of] of]hgf NofOPsf] xf] h;n]

u|fxsnfO{ /fd|f] k|ltkmn cfh{g ug{ ;xof]u k'¥ofpg'sf ;fy}

dfl;s ?kdf JolQmut vr{sf] cfjZostf k"lt{ ug{ ;d]t

;xof]u k' g] a}+ssf] ljZjf; 5 . %) jif{ tyf ;f] eGbf

dfyLsf gful/sx¿ o; art of]hgfdf ;xefuL x'g ;S5g\

h;df Go"ggd ?= ! xhf/df vftf vf]nL cfsif{s Aofh

dfl;s ?kdf k|fKt ug{ ;lsG5 . cGo cfsif{s ljz]iftfx¿df

u|fxsn] r]sa's, P;;L6L 8]la6 sf8{ tyf cgnfOg a+}lsË

;]jf lgMz'Ns k|fKt ug{ ;Sb5g\ . o;sf ;fy} ns/df %)

k|ltzt 5'6 tyf xf]d a}+lsË ;'ljwf ;d]t k|fKt ug{ ;lsG5 .

d]uf ;[hgzLn gf/L art vftfM a}+sn] !^ jif{ jf ;f] eGbf

dflysf dlxnfx¿sf nflu d]uf ;[hgzLn gf/L art vftf

of]hgf NofPsf] 5 . o; of]hgf cGtu{t dlxnfx¿n] Go"gtd

?= % ;odf vftf vf]Ng ;Sb5g\ h;df cfsif{s Aofh k|fKt

ug{ ;lsG5 . u|fxsn] P;;L6L 8]la6 sf8{, lgMz'Ns r]sa's,

lgMz'Ns cgnfOg a+}lsË, df]jfOn a}+lsË ;]jf, ns/ ;'ljwfdf

@% k|ltzt 5'6, l8df08 8«fkm\6, shf{df ;x'lnot h:tf

;'ljwf k|fKt ug{ ;Sb5g\ . o;sf ;fy} pQm of]hgf cGtu{t

vftf vf]Nbf ljleGg pkef] o ;fdfu|L÷;]jf vl/bdf 5'6 k|fKt

ug{ ;lsG5 .

d]uf of]ª:6f/ art vftfM of] ljz]if u/L afnaflnsfsf

nflu NofOPsf] art of]hgf xf] h;df !^ jif{ ;Ddsf

afnaflnsfx¿ ;xefuL x'g ;S5g\ . o; of]hgf cGtu{t

art vftf ;~rfng ug{ rfxg] u|fxsn] Go"gtd ?= !

xhf/df cfsif{s Aofhb/df vftf vf]Ng ;S5g\ . o;sf

cltl/Qm u|fxsnfO{ lgMz'Ns r]sa's, lgMz'Ns P;l;6L 8]la6

sf8{, lgMz'Ns 8fO/]S6 a+}lsË ;]jf, lgMz'Ns PaLaLP; ;]jf

pknAw u/fOG5 . ;fy}, ;+/Ifsn] cfkm\gf] vftfaf6 l;w}

afnaflnsfsf] vftfdf /sd :yfgfGt/0f ug{ lgb]{zg klg

lbg ;Sb5g\ .

d]uf sd{rf/L art vftfM of] ljz]if u/L g]kfnsf

lghfdtL ;]jf / lghL If]qdf sfo{/t sd{rf/Lx¿sf nflu

NofOPsf] art of]hgf xf] h;df Go"gtd ?= ! ;odf vftf

vf]Ng ;lsG5 . o;}u/L, u|fxsn] lgMz'Ns r]sa's, lgMz'Ns

P;;L6L 8]la6 sf8{, lgMz'Ns 8fO/]S6 a+}lsË ;]jf, l8df08

8«fkm\6 hf/L ubf{ nf g] z'Nsdf %) k|ltzt 5'6, lgMz'Ns

PaLaLP; ;]jf k|fKt ug{ ;Sb5g\ . ;fy}, vftfjfnsf] lgwg

x'g uPdf d[To' ladf ;'ljwf -vftfdf sfod lgIf]ksf] rf/

u'0ff cyjf ?= % nfv dWo] h'g sd x'G5 ;f] /sd ladf

sDkgLaf6 k|fKt x'g]_, ljb]zL d'b|fsf] ;6xLdf ;x'lnotsf

;fy} pkef]Qmf shf{x¿df cfsif{s Aofhb/ pknAw ;d]t

5 .

d]uf o'y dfO{ a}+s P6 SofDk; csfpG6M ljz]if u/L sn]hdf

cWoog ug]{ ljBfyL{sf nflu nlIft u/L NofOPsf] art

of]hgf xf] h;df Go"gtd ?= @ ;odf vftf vf]Ng ;lsG5 .

o;sf cltl/Qm u|fxsn] lgMz'Ns r]sa's, lgMz'Ns P;;L6L

8]la6 sf8{, lgMz'Ns cgnfOg a+}lsË, lgMz'Ns :6]6d]G6,

l8df08 8«fkm\6 hf/L ubf{ tyf :jLkm\6sf] dfWodaf6 /sd

:yfgfGt/0f ubf{ nf g] z'Nsdf %) k|ltzt 5'6, u'8km/

k]d]G6 tyf Aofn]G; ;l6{lkms]6 ;]jf k|bfg ul/G5 . ;fy} o;

k|sf/sf] vftfsf u|fxsn] pRr lzIff cWoogsf nflu ?= %)

nfv ;Dd cfsif{s Aofhb/df z}lIfs shf{ ;d]t k|fKt ug{

;Sg] Joj:yf 5 .

d]uf pTs[i6 art vftfM of] Pp6f lk|ldod art vftf xf]

h;df u|fxsn] lgIf]k /sddf cGo art vftfsf] t'ngfdf

clws k|ltkmn k|fKt ug{ ;Sb5g\ . o; of]hgf cGtu{t

u|fxsn] Go'gtd ?= @% xhf/ lgIf]k vftfdf /fVg' kb{5 .

u|fxsn] r]sa's, P;;L6L 8]la6 sf8{, cgnfOg a}lsË ;]jf

lgMz'Ns k|fKt ug{ ;Sb5g\ .

d]uf sn l8kf]lh6 vftfM d]uf a}+sn] cfkm\gf u|fxsx¿nfO{

sn vftfsf] ;'ljwf pknAw u/fp“b} cfPsf] 5 . o; vftfdf

lgIf]k /sdsf] cfwf/df cfsif{s Aofhb/ k|bfg ul/G5 .

d]uf d'2tL vftfM d]uf a}+sn] tLg lsl;dsf d'2tL vftfx¿

u|fxsx¿ ;dIf k|:t't u/]sf] 5 h;df tLg dlxgf, ^ dlxgf

tyf Ps jif{sf nflu d'2tL vftf vf]Ng ;lsG5 .

d]uf/]ld6 ljut s]xL jif{b]lv d'n'ssf] cfly{s If]qdf s"n u|fx{:y

pTkfbgdf dxTjk"0f{ of]ubfg ljk|]if0f (Remittance) sf] /x]sf] tYo ;a}af6 :jLsf/ ePs} ljifo xf] . ctM

ljk|]if0fsf] dfWodaf6 b]znfO{ k|fKt x'g] Joj;flos nfenfO{

yk of]ubfg k'¥ofpg ;d]t d]uf a}+ssf] Ps k|d'v kxn /xL

cfPsf] 5 . o;} cg'?k ljk|]if0f Joj;fonfO{ cl3 a9fpg

tyf ljk|]if0f Joj;fosf cj;/x¿sf] vf]hL ub}{ a}+sn] cfkm\gf

u|fxssf nflu a[xt ljk|]if0f ;]jf pknAw u/fp“b} cfPsf] 5

h'g lgDgfg';f/ 5g\M


:jLÏ6 6«fG;km/ -ljZjsf h'g;'s} d'n'saf6 g]kfn leqg]

ljk|]if0f ;]jf_

l8df08 8«fÏ6 -g]kfnleq jf aflx/ hfg] ljk|]if0f vf;

u/L ef/t_

d]uf/]ld6 -g]kfnleqsf] s'g} Ps :yfgaf6 csf]{ :yfgdf

/sd :yfgfGt/0f tyf vf8L nufotsf d'n'saf6 g]kfn

lelqg] ljk|]if0fsf] nflu a}+ssf] cfkm\g} ljk|]if0f k|0ffnL_

cGo ljk|]if0f ;]jf k|bfosx?;+u Joj;flos ;xsfo{

d]uf a}+ssf] cTofw'lgs k|ljlwo'Qm ax'cfoflds

d]uf/]ld6n] b]z leq, vf8L tyf cGo /fi6«x¿af6 ;xh

/ t'?Gt} ljk|]if0fsf] sf/f]af/ ;Dej agfPsf] 5 . o;sf

cltl/Qm d]uf/]ld6 ;+:yfut e'QmfgLsf nflu klg TolQs}

pko'Qm 5 h;df JolQm tyf ;+:yfsf u|fxsn] cfkm\gf]

cfjZostfg';f/ l56f] tyf emGem6 /lxt k|s[ofaf6 e'QmfgL

k|fKt ug{ ;Sb5g\ . d]uf/]ld6 sf/f]af/nfO{ ;xh agfO{ l56f]

/ emGem6 /lxt ;]jf pknAw u/fpg d]uf a}+sn] d'n'sdf

nueu !#$$ Joj;flos s]Gb|÷k|ltlglwsf] ;~hfn lgdf{0f

u/]sf] 5 . o; ;~hfnnfO{ lg/Gt/ ?kdf d'n'ssf s'gf

sfKrf;Dd lj:tf/ ub}{ n}hfg] a}+ssf] nIo 5 .

df]afOn a}+ls·d]uf a}+sn] F1Soft ;+u ;fem]bf/L u/L df]afOn kmf]g dfkm{t\

k|ljlwo'Qm df]afOn a}+lsË ;]jf NofPsf] 5 . u|fxsx?n]

eSewa tyf Fonepay h:tf gljgtd ljB'tLo e'QmfgL

k|0ffnL dfkm{t\ ;xh Pj+ ;'/lIft ?kd} cfkm\gf] a}lsË

sf/f]af/ af/] hfgsf/L kfpg ;Sg]5g\ . df]afOnaf6} cfkm\gf]

sf/f]af/sf] ;"rgf k|fKt ug]{, df}Hbft ljj/0f k|fKt ug]{, /sd

:yfgfGt/0f ug]{, lan e'QmfgL ug]{ nufot cGo ljleGg

ljQLo ;'ljwfx? a}+ssf u|fxsx?n] k|fKt ug{ ;Sg' x'G5 .

d]uf dfOqmf] a}+ls· sfo{qmdljQLo ;dfj]lztfaf6 cfly{s ;zlQms/0f

d]uf dfOqmf] a}+lsË d]uf a}+s g]kfn lnld6]8sf] Ps

gd"gf sfo{qmd xf] . b]zsf] u|fdL0f e]udf ljQLo kx"“r

lj:tf/ ug]{ p2]Zon] cfly{s ?kdf ljkGg tyf lk5l8Psf

u|fxsx?sf] 3/b}nf]d} k|ltkmnd'ns Pj+ u'0f:t/Lo a}+lsË

;]jf k|bfg ug'{ o;sf] d'Vo nIo xf] . u|fdL0f If]qsf n3'

Joj;foLx¿sf] Joj;flos cfjZostf cg';f/ df]afOn tyf

pRr k|ljlwo'Qm cTofw'lgs pks/0f dfkm{t a}+sn] zfvf/lxt

a}lsË ;]jf ;~rfng u/L n3'shf{, n3'art h:tf ;]jfx¿

k|bfg ub}{ cfPsf] 5 . u|fxsd}qL k|0ffnL, pRr bIf hgzlQm,

u|fxssf] Joj;flos cfjZostf cg'?ksf ljQLo ;]jf d]uf

dfOqmf] a}+lsË sfo{qmdsf d'n dGq x'g\ . d]uf dfOqmf]n] n3'

Joj;fodf ;+n g ;fgf Joj;foLx¿nfO{ pRr:t/Lo n3'ljQ

;]jf k|bfg ub}{ a}+ssf demf}nf tyf 7"nf Joj;foLx¿;“u

;dGjo u/fO{ ahf/ d"No >[ª\vnf k4lt (ValueChain) df

cfj4 u/fp“b5 . ;fy}, Joj;flos ljsf;sf] ;DefJotfnfO{

clej[l4 ug{ d]uf s/kf]/]6, d]uf ld8 s/kf]/]6÷P;=Pd=O{

/ d]uf dfOqmf]af6 ;~rflnt sfo{qmdx¿n] ;dfhsf pRr,

dWod / Go"gju{sf ;Dk"0f{ u|fxsx¿nfO{ Ps} ;"qdf cfj4

u/L ljQLo ;]jfsf ;fy;fy} k"0f{ Joj;flos ;dfwfg k|bfg

ug]{ d]uf dfOqmf] a+}lsË sfo{qmdsf] gLlt /x]sf] 5 .

cfwf/e"t ljz]iftfx¿

u|fdL0f If]qsf Go"g cfo ePsf tyf ljkGg ju{nfO{

nlIft sfo{qmd .

;dfj]lz sfo{qmd M s'g} hft hflt, j0f{, ju{, lnË, wd{,

k]zf, If]q tyf /fhg}lts cf:yf cflbsf cfwf/df

e]befj/lxt sfo{qmd .

d"No >[ª\vnf k4ltdf cfwfl/t sfo{qmd M 7"nf, demf}nf

tyf ;fgf Joj;foLx¿nfO{ Ps} lsl;dsf] ljQLo ;]jf .

kl/dflh{t n3'ljQ ;]jf k4ltaf6 ;d"x tyf JolQmut

hdfgLsf cfwf/df shf{ pknJw u/fOg] .

u|fxssf] 3/b}nf]d} ;Dk"0f{ a+}lsË ;]jf tyf ;'ljwf k|bfg

ul/g] .

:yfgLo txdf shf{ ljZn]if0f k|lqmof k"/f ul/g] .

;/n Joj:yfksLo k|lqmofaf6 sd sfuhL emGem6 .

Dffl;s ;fd"lxs a}7saf6 u|fxsx¿nfO{ cGo ;xof]u

sfo{qmd .

;fd"lxs dfu÷cfjZostfsf cfwf/df Joj;flos tyf

;fdflhs ljsf;;“u ;DalGwt tflnd .

n3'ljQ dfq geO{ ;Dk"0f{ ;]jfx¿ ;d]l6Psf] dfOqmf]

a}+lsË ;]jf .

d'Vo ;]jf tyf ;'ljwfx¿

rfn" k'“hL shf{– cNksflng shf{ – n3' l8df08 nf]g –

n3' clwljsif{ shf{

cfjlws shf{

JolQmut shf{

n3' pkef]Qmf shf{

cGo shf{

n3' shf{sf nflu cfjZos of]Uotf

;Dk"0f{ g]kfnL gful/s tyf sfg"gL dfGotf k|fKt ;+:yf

d]uf zfvf/lxt a}+ls· ;]jf b]zsf clwsf+z jfl0fHo a}+sx¿af6 ;~rflnt sfo{qmdx¿

zx/L If]qdf ;Lldt 5g\ . 7"nf tyf demf}nf Joj;foL dfq

k|fyldstfdf k/]sf] h:tf] b]lvG5 h;sf sf/0f u|fdL0f txsf

clwsf+z hg;d'bfo, vf; u/L s[lif If]qdf ;+n g ljkGg

26 d]/f] a}+s – d]uf a}+s

ju{sf JolQm÷kl/jf/ cfw'lgs a}+lsË ;]jfaf6 jl~rt x'g'

k/]sf] oyfy{nfO{ b[li6ut ub}{ d]uf a}+sn] cy{tGqsf] d"n

cfwf/sf] ?kdf /x]sf] s[lif If]qdf ;+n g ljkGg ju{nfO{

nlIft u/L pxf“x¿s} 3/b}nf]df ;]jf k|bfg ug{ zfvf/lxt

a}+lsË ;]jf (Branchless Banking) ;~rfngdf NofPsf]

xf] . zfvf/lxt ;]jf lj:tf/ ubf{ dfgjLo tyf k|fljlws

hf]lvdx¿ pRr x'g] ePsf]n] o; a}+sn] ;'/lIft k|fljlws

pks/0f dfkm{t k|To]s sf/f]af/nfO{ u|fxs :jo+sf] cf}+7f

5fkaf6 dfq cg'df]bg

Thumb Impression) ug]{ tyf u|fxsx¿nfO{ ljB'tLo

sf8{ pknJw u/fpg] h:tf ;fjwfgLx¿ ckgfO{ sfo{qmd

;~rfng ul//x]sf] 5 . :yfgLo JolQmx¿nfO{ Joj;flos

k|ltlglwsf ?kdf ljsf; ub}{ ;~rfng ul/g] of] ;]jfnfO{

d]uf dfOqmf] a}+lsË sfo{qmd;“u cfa4 ul/Psf] 5 .

-s_ of] ;]jf sf7df8f+} pkTosf aflx/sf o; a}+ssf zfvf

sfof{no /x]sf :yfgaf6 lglZrt b"/L leq /xg]

:yfgx¿af6 ;~rfng ul/G5 .

-v_ ;]jf k|bfg ug{ :yfgLo JolQm tyf ;+:yfx¿nfO{

Joj;flos k|ltlglw agfO{ Point Of Sale (POS) sf]

k|of]u u/L ;~rfng ul/Psf] 5 .

-u_ zfvf/lxt ;]jf lng rfxg] u|fxsx¿nfO{ a}+sn]

ljB'tLo sf8{ pknJw u/fp“5 .

-3_ k|To]s sf/f]af/ ug'{ k"j{ tyf sf/f]af/ ;DkGg u/]

kZrft\ pQm POS n] cfjfhaf6 ;d]t sf/f]af/sf]

cj:yfsf] ;"rgf lbG5 tyf b'O{ k|lt Advice Print u5{ .

;]jf tyf ;'ljwfx¿

u|fxsx¿nfO{ zfvf/lxt ;]jfdf cfj4 ug]{ tyf vftf

vf]Ng]

art tyf e'QmfgL ;'ljwf

Pp6f vftfaf6 csf]{ vftfdf /sd :yfgfGt/0f ug]{

df]afOn kmf]g l/rfh{ tyf O{–6kck

/]ld6\ofG; ;'ljwf

vftfsf] df}Hbft x]g]{ tyf :6]6d]G6 5fKg

qm=;+= lhNnf lgoGq0f ug]{ zfvf :yfgx? hDdf :yfg

! emfkf ljtf{df]8 emfkfahf/, uf]]Nwfk @

@ df]/ª lj/f6gu/ 6+lsl;gjf/L, emf]/fxf6, /Ë]nL #

# ;'g;/L w/fg rtf/f, kfgdf/f @$ wg'iff hgsk'/ wg'iffwfd, ;j}nf @% ;nf{xL xl/jg nfnaGbL, gof“/f]8 @^ /f}tx6 xl/jg rGb|lgufxk'/ !& l;Gw'kfNrf]s rf}tf/f ;f3f“rf]s, 7"nf] l;?jf/L @* /;'jf :ofk|'mj]zL w'Gr] !( af/f jL/u~h 5tflkk/f, sn}of, lhtk'/ #!) wflbª wflbª gnfª, ;'gf}nf ahf/ @!! lrtjg gf/fo0fu9 lzj3f6, ;f/bfgu/, k;f{ #!@ sf:sL kf]v/f enfd !!# ?kGb]xL a'6jn /flgjluof, enjf/L, s/flxof, ;f}km;f{l6sf/ $!$ ?kGb]xL e}/xjf bofgu/ !!% c3f{vf“rL c3f{vf“rL c3f{tf];, wf/fkfgL, bLj0ff{, g/kfgL, vgbx, lvnhL, x+;k'/ &!^ bfª 3f]/fxL gf/fo0fk'/, /fdk'/, ;f}l8of/, nIdLk'/ $!& af“s] g]kfnu~h l;tfk'/, zD;]/u~h @!* b}n]v b}n]v gf}d'n], r'k/fahf/ @!( s}nfnL wgu9L d;'/Lof, rf}dfnf, km'naf/L, kxndfgk'/ $@) s~rgk'/ wgu9L s[i0fk'/ !

qm=;+= lhNnf lgoGq0f ug]{ zfvf :yfgx? hDdf :yfg

! bfª 3f]/fxL dfgk'/, b'?jf @

@ s}nfnL wgu9L hf]zLk'/, x;'lnof, 3}nfaf}lgof“ #

zfvf/lxt a}+ls· s]Gb|x?

k|:tfljt s]Gb|x?


d]uf a}+s g]kfn lnld6]8 :yfkgfsfn b]lv g} ;+:yfut

;fdflhs pQ/bfloTj cGtu{t ;fdflhs ;]jfdf tNnLg

/x“b} cfPsf] 5 . Joj;fosf] k|j¢{gsf ;fy ;fy} ;d'bfo;“u

alnof] ;DaGw sfod ug{sf nflu a}+sn] ljleGg ;fdflhs

sfo{df of]ubfg k'¥ofp“b} cfPsf] 5 . ut cfly{s jif{df

klg a}+sn] lzIff, :jf:Yo, v]ns"b / u}/;/sf/L ;+:yfx?sf

ljleGg sfo{qmddf ;xsfo{ u/L ;d'bfonfO{ ;xof]u k'¥ofPsf]

5 . a}+sn] ut jif{ u/]sf s]xL dxTjk"0f{ ;xof]u tyf

;xsfo{x? lgDg cg';f/ 5g\M

e"sDk k|efljt If]qx?df ;xof]u@)&@ a}zfv !@ ut]sf] e"sDkaf6 k|efljt If]qdf

a}+sn] kLl8tx?nfO{ tTsfn /fxt k'¥ofpg] p2]Zon] …d]uf

cy{Sj]s u|fG6 csfpG6Ú gfds vftfsf] :yfkgf u/]sf] lyof]

eg] ?= %) nfv a/fa/sf] /fxt ;fdfu|L ;xof]u :j?k k|bfg

u/]sf] lyof]] . o; dWo] a}+ssf] tkm{af6 #% nfv #) xhf/

tyf af“sL /sd ;~rfns ;ldltsf ;b:o tyf a}+sdf

sfo{/t sd{rf/Lx?af6 of]ubfg :j?k ;+sng u/L a}+sn]

/fxt ;fdfu|L l;Gw'kfNrf]s, wflbª / /;'jf lhNnfsf e"sDk

kLl8tx?sf] nflu lhNnf k|zf;g sfof{no / cGo :yfgLo

lgsfosf] ;dGjodf k|bfg u/]sf] lyof] .

v]ns"bsf nflu ;xof]ud]uf a}+sn] o'jfx?nfO{ v]ns"b If]qdf cfslif{t ug{sf nflu

;b}j k|f]T;fxg ub}{ cfPsf] 5 . o;} ;Gbe{df a}+sn] g]kfnL

/fli6«o lqms]6 6f]nLsf ;'efif vs'/]n / cldt e§/fO{nfO{

cfO;L;L 6L–@) k|ltof]lutfdf ;xeflutf hgfpg] qmddf

k|f]T;fxg :j?k ;xof]u k|bfg u/]sf] lyof] h;nfO{ a}+sn]

cfly{s jif{ @)&!÷&@ df klg hf/L /fVof] . o;} u/L, a}+sn]

t];|f] 'NECOS National Taekwondo Championship' k|ltof]lutfsf nflu klg ;xof]u k|bfg u/]sf] lyof] . o;sf

cnfjf a}+sn] 'Lotus Education Foundation' åf/f cfof]lht

v]ns"b sfo{qmdsf] nflu cfly{s ;xof]u k|bfg u¥of] h;df

ljleGg ljBfnox?sf] ;xeflutf /x]sf] lyof] .

æ;]e b Knfg]6 g]kfnÆ nfO{ j[Iff/f]k0fsf nflu

;xof]ua}+sn] …;]e b Knfg]6 g]kfnÚ sf] cfof]hgfdf ;~rflnt

'School Green Project' sfo{qmdnfO{ ;xof]u k|bfg

u/]sf] lyof] . o; sfo{qmd cGtu{t a}+sn] pkTosfsf kf“r

ljBfno gf]an Ps]8]dL -gof“ afg]Zj/_, ;]G6 h]leo;{ :s"n

-hfjnfv]n_, o"n]G; :s"n -v'dn6f/_, efg'eQm d]df]l/on

p=df=lj -kfgLkf]v/L_ / >L kb\d p=df=lj= -eQmk'/_

df j[Iff/f]k0f sfo{sf] nflu ;xof]u k|bfg ug'{sf ;fy}

ljBfyL{x?sf nflu cfly{s ;fIff/tf ;DaGwL sIffx? klg

;~rfng u/]sf] lyof] .

/Qmbfg sfo{qmddf ;xof]u…nfofG; Sna ckm sf7df8f}+ ;d[4LÚ n] cfof]hgf u/]sf]

/Qmbfg sfo{qmdf a}+sn] sfo{qmd ;~rfngsf nflu cfly{s

;xof]u tyf sfo{:yn pknAw u/fpg'sf ;fy} a}+ssf

sd{rf/Lx?nfO{ ;d]t /Qmbfgdf ;xefuL x'g k|f]T;flxt u/]sf]

lyof] .

'Early Childhood Development Center/ nfO{ ;xof]u

'Early Childhood Development Centern/The gfds ;+:yfsf] nflu cfof]hgf u/]sf]

;xfotf /sd ;+sng sfo{qmdf a}+sn] ;xof]u u/]sf]

lyof] . n] s}bL lhjg latfO{ /x]sf

dflg;x?sf afnaflnsfsf] ;xof]ufy{ sfo{ ub{5 .

af9Lklx/f] kLl8tx?nfO{ ;xof]ul;Gw'kfNrf]s lhNnfsf af9L klx/f] kLl8tx?nfO{ /fxt k|bfg

ug]{ p2]Zon] a}+ssf sd{rf/Lx?n] Ps lbgsf] tna ;xof]u

k|bfg u/]sf lyP . ;+slnt /sdssf] r]s l;Gw'kfNrf]s

lhNnfsf k|d'v lhNnf clwsf/LnfO{ x:tfGt/0f ul/Psf]

lyof] . o;sf ;fy} a}+ssf sd{rf/Lx?n] /sd ;+sng u/L

alb{ofsf] 8Nnf uf=lj=;= sf af9L lkl8tx?nfO{ klg b}lgs

pkef] o ;fdfu|Lx? k|bfg u/]/ ;xof]u u/]sf lyP .

u|fdL0f ;8s lgdf{0fdf ;xof]u/fli6«o u|fdL0f oftfoft ;'b[9Ls/0f sfo{qmd -P;Pgcf/6LkL_

cGtu{t sfo{/t sfdbf/x?nfO{ a}+sn] Fluorescent Hofs]6

pknAw u/fPsf] lyof] . a}+sn] cfÎgf zfvf sfof{nox?

c3f{vf“rL, xl/jg, wgu9L, hgsk'/ / g]kfnu~h dfk{mt

;+:yfut ;fdflhspQ/bfloTj


Hofs]6x? ljt/0f u/]sf] lyof] .

ækljq ;dfh ;]jf g]kfnÆ nfO{ ;xof]usf7df8f}+sf] wfkf;Ldf ;~rflnt …kljq ;dfh ;]jf g]kfnÚ

gfds ;fdflhs ;+:yfnfO{ a}+sn] cfly{s ;xfotf k|bfg u¥of] .

o'4af6 k|tfl8t afnaflnsf, dlxnf, cgfy, ckf+u tyf 3/]n'

lx++;f kLl8tsf nflu ;xof]u ug{ tNnLg o; ;+:yfdf #@ hgf

afnaflnsf / j[4j[4f cfl>t 5g\ . of] ;+:yfnfO{ cfk\mgf] ejg

lgdf{0fdf d2t k'¥ofpg a}+sn] cfly{s ;xof]u u/]sf] lyof] .

ækl/jt{gsf nflu ljBfyL{Æ u}/;/sf/L ;+:yfnfO{

;xof]ua}+sn] a'9flgns07 :s"nsf ljBfyL{x?åf/f ;~rflnt

…kl/jt{gsf nflu ljBfyL{Ú gfds u}/;/sf/L ;+:yfnfO{ ;xof]u

k|bfg u¥of] . ;xof]u /sd hf/h/sf]6 lhNnfsf] vn+uf

uf=lj=;=df OG6/g]6 ;]jf ;lxtsf] k':tsfno :yfkgf ug{

;b'kof]u ul/Psf] lyof] .

jL/u~hdf ;L;Ll6eL h8fgsf] nflu ;xof]u;'/lIft jL/u~h sfo{qmd cGtu{t a}+sn] d'Vo ahf/sf] ;'/Iff

cj:yfnfO{ dWogh/ ub}{ ;L;Ll6eL h8fg tyf dd{t ;Def/sf

nflu ;xof]u u¥of] h;n] ubf{ jL/u~hsf] d]g/f]8 j/k/sf]

If]qdf ;'/Iff Joj:yfnfO{ dha't ug{ d2t k'u]sf] 5 .

sflGtky If]qdf j[Iff/f]k0fsf] nflu ;xof]u…Sna lkmÎ6L g]kfnÚ åf/f sflGtkydf cfof]lht

j[Iff/f]k0f sfo{qmddf a}+sn] cfly{s ;xof]u k|bfg u/]sf] lyof] .

sf7df8f}+nfO{ xl/ofnL / ;'Gb/ agfpg] gf/f ;lxt cfof]lht ;f]

sfo{qmddf a}+ssf sd{rf/Ln] ;d]t ;xeflutf hgfPsf lyP .

:jf:y lzlj/ :yfkgfsf] nflu ;xof]u'Youth Efforts for Dynamism' gfds u}/;/sf/L ;+:yfn] tLh

kj{sf] cj;/df kz'ktL dlGb/ kl/;/df ;~rfng u/]sf] :jf:y

lzlj/nfO{ d]uf a}+ssf] cfly{s ;xof]u u¥of] . pQm lzlj/af6

w]/} bz{gfyL{x? nfeflGjt ePsf lyP .


30 d]/f] a}+s – d]uf a}+s


jf;nft#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

qm=;+= k'“hL tyf bfloTj cg';"rL o; jif{ ?= ut jif{ ?=

1 z]o/ k'“hL 4=1 2,87,05,60,000 2,60,96,00,000

2 hu]8f tyf sf]ifx? 4=2 20,43,17,559 13,30,93,380

3 C0fkq tyf a08 4=3

4 ltg{ af“sL shf{ ;fk6 4=4 14,82,33,931 37,96,32,311

5 lgIf]k bfloTj 4=5 21,13,06,75,125 17,14,76,48,851

6 e'QmfgL lbg'kg{] lanx? 4=6 7,31,66,080 4,70,59,856

7 k|:tfljt gub nfef+z 1,37,34,737 1,47,15,789

8 cfos/ bfloTj 49,37,206 1,10,83,748

9 cGo bfloTj 4=7 26,15,78,272 22,84,03,995

s"n k'“hL tyf bfloTj 24,70,72,02,910 20,57,12,37,930

qm=;+= ;DklQ cg';"rL o; jif{ ?= ut jif{ ?=

1 gub df}Hbft 4=8 53,93,85,900 43,86,54,420

2 g]kfn /fi6« a}+sdf /x]sf] df}Hbft 4=9 2,20,32,93,594 1,15,43,56,180

3 a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 4=10 29,37,82,845 23,85,80,486

4 dfu tyf cNk;"rgfdf k|fKt x'g] /sd 4=11 1,06,71,04,071 88,05,02,000

5 nufgL 4=12 1,99,36,22,844 2,50,74,10,200

6 shf{, ;fk6 tyf lan vl/b 4=13 17,54,26,25,452 14,49,63,25,573

7 :yL/ ;DklQ 4=14 17,70,80,017 21,37,77,748

8 u}/ a+}lsË ;DklQ 4=15

9 cGo ;DklQ 4=16 89,03,08,187 64,16,31,323

s"n ;DklQ 24,70,72,02,910 20,57,12,37,930

;Defljt bfloTj cg';"rL 4=17

;~rfnsx?sf] #f]if)ff cg';"rL 4=29

k'FhLsf]if tflnsf cg';"rL 4=30 -s1_

shf{ hf]lvd ljj/)f tflnsf cg';"rL 4=30 -v_

Credit Risk Mitigant ljj/)f tflnsf cg';"rL 4=30 -u_

;~rfng hf]lvd ljj/)f tflnsf cg';"rL 4=30 -#_ahf/ hf]lvd ljj/)f tflnsf cg';"rL 4=30 -ª_ k|d'v ;"rsfÍx? cg';"rL 4=31

k|d'v n]vf gLltx? cg';"rL 4=32

n]vf ;DaGwL l^Kk)fLx? cg';"rL 4=33

$=! b]lv $=!& ;Ddsf cg';"rLx? o; jf;nftsf cleGg c+u x'g\ .

xfd|f] ;+nUg k|ltj]bgsf] cfwf/df

l;=P= pd]z k|;fb 9sfn

;fem]bf/

b]j P;f]l;P^\;

rf^{*{ PsfpG^])^\;k|f= 8f= dbg s'df/ bfxfn

cWoIf

uf]kfn vgfn

;~rfns

r]t gf/fo0f kf08]

;~rfns

ldltM @)&@ d+l;/ @!

:yfgM sf7df8f}+

8f= b'dg yfkf

;~rfns

dbg s'df/ cfrfo{

;~rfns

lbk]Gb| cu|jfn

;~rfns

ef]haxfb'/ zfx

;~rfns

clgn s]z/L zfx

k|d'v sfo{sf/L clws[t

k/d]Zj/ kGt

;~rfns

/d]z v8sf

k|d'v ljQ tyf of]hgf

32 d]/f] a}+s – d]uf a}+s

gfkmf gf]S;fg lx;fa! >fj0f @)&! b]lv #! cfiff9 @)&@ ;Dd -!& h'nfO{ @)!$ b]lv !^ h'nfO{ @)!% ;Dd_

qm=;+= ljj/0f cg';"rL o; jif{ ?= ut jif{ ?=

1 Aofh cfDbfgL 4=18 1,80,49,44,138 1,62,82,48,863

2 Aofh vr{ 4=19 91,42,79,452 80,70,25,920

v"b Aofh cfDbfgL 89,06,64,686 82,12,22,943

3 sldzg tyf l8:sfp06 4=20 3,52,81,788 2,68,10,881

4 cGo ;~rfng cfDbfgL 4=21 11,01,53,355 8,19,76,296

5 ;6xL 36a9 cfDbfgL 4=22 10,23,81,657 9,52,88,387

s"n ;~rfng cfDbfgL 1,13,84,81,486 1,02,52,98,507

6 sd{rf/L vr{ 4=23 18,61,65,432 16,73,00,260

7 cGo ;~rfng vr{ 4=24 27,33,99,722 24,96,91,224

8 ;6xL 36a9 gf]S;fg 4=22

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 67,89,16,332 60,83,07,023

9 ;Defljt gf]S;fgL Joj:yfx? 4=25 15,54,93,065 13,61,65,094

;~rfng d'gfkmf 52,34,23,267 47,21,41,929

10 u}/ ;~rfng cfDbfgL÷-vr{_ 4=26 10,62,157 18,01,290

11 ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 4=27 3,12,05,326 63,15,680

lgoldt sf/f]af/af6 ePsf] d'gfkmf 55,56,90,749 48,02,58,899

12 c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷-vr{_ 4=28 (87,65,603)

;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v"b d'gfkmf 54,69,25,147 48,02,58,899

13 sd{rf/L af]g; Joj:yf 4,97,20,468 4,36,59,900

14 cfos/ Joj:yf 15,09,08,570 13,10,61,629

o; jif{sf] s/ Joj:yf 15,07,86,881 13,32,54,766

ljut jif{;Ddsf] s/ Joj:yf 2,69,903 1,576

o; jif{sf] :yug s/ -cfDbfgL_÷vr{ (1,48,214) (21,94,713)

v"b gfkmf÷gf]S;fg 34,62,96,108 30,55,37,370

$=!* b]lv $=@* ;Ddsf cg';"rLx? gfkmf gf]S;fg lx;fasf cleGg c+u x'g\ . xfd|f] ;+nUg k|ltj]bgsf] cfwf/df


;fem]bf/

b]j P;f]l;P^\;


cWoIf

uf]kfn vgfn

;~rfns

r]t gf/fo0f kf08]

;~rfns

ldltM @)&@ d+l;/ @!

:yfgM sf7df8f}+

8f= b'dg yfkf

;~rfns

dbg s'df/ cfrfo{

;~rfns

lbk]Gb| cu|jfn

;~rfns

ef]haxfb'/ zfx

;~rfns

clgn s]z/L zfx


k/d]Zj/ kGt

;~rfns

/d]z v8sf



gfkmf gf]S;fg af“8kmf“8 lx;facf= j= @)&!÷&@ -@)!$÷!%_

qm=;+= ljj/0f o; jif{ ?= ut jif{ ?=

cfDbfgL

! ut jif{;Ddsf] ;l~rt d'gfkmf 72,28,993 32,94,916

@ o; jif{sf] d'gfkmf 34,62,96,108 30,55,37,370

# ;6xL 36a9 sf]if

$ k'“hLut hu]8f sf]ifaf6 :yfgfGt/0f 5,64,74,653

% :yug s/ sf]if (1,48,214)

hDdf 35,33,76,888 36,53,06,939

vr{

! ut jif{;Ddsf] ;l~rt gf]S;fg

@ o; jif{sf] gf]S;fg

# ;fwf/0f hu]8f sf]if 6,92,59,222 6,11,07,474

$ e}k/L cfpg] hu]8f

% ;+:yf ljsf; sf]if

^ nfef++z ;dLs/0f sf]if

& sd{rf/L ;DaGwL hu]8fx?

* k|:tfljt gub nfef+z 1,37,34,737 1,47,15,789

( k|:tfljt af]gz z]o/ 26,09,60,000 27,96,00,000

!) ljz]if hu]8f sf]if

!! ;6xL 36a9 sf]if 5,91,238 4,59,970

!@ k'“hL lkmtf{ hu]8f sf]if

!# k'“hL ;dfof]hg sf]if

!$ :yug s/ sf]if 34,47,000 21,94,713

hDdf 34,79,92,196 35,80,77,946

;l~rt d'gfkmf÷-gf]S;fg_ 53,84,692 72,28,993



;fem]bf/

b]j P;f]l;P^\;


cWoIf

uf]kfn vgfn

;~rfns

r]t gf/fo0f kf08]

;~rfns

ldltM @)&@ d+l;/ @!

:yfgM sf7df8f}+

8f= b'dg yfkf

;~rfns

dbg s'df/ cfrfo{

;~rfns

lbk]Gb| cu|jfn

;~rfns

ef]haxfb'/ zfx

;~rfns

clgn s]z/L zfx


k/d]Zj/ kGt

;~rfns

/d]z v8sf


34 d]/f] a}+s – d]uf a}+s

OlSj6

Ldf e

Psf] k

l/jt

{g ;

DaGw

L ljj

/0f

cf=

j= @

)&!÷

&@ -@

)!$÷

!%_

ljj/

0f

z]o/

k'“hL

;l~

rt

gfkmf

gf]S;

fg

;fw

f/0f h

u]8f

sf]if

k'“hLu

t

hu]8

f sf]if

z]o/

lk|ld

od

;6x

L 36a

9

sf]if

:yug

s/

hu]8

f c

Go h

u]8f

tyf sf]if

s"n /

sd ?=

z'?

Dff}Hbft

2,60

,96,

00,0

00

72,

28,9

93

11,

58,1

6,97

4

15,

49,

650

6,4

3,63

3 7

8,5

4,1

30

2,7

4,2

6,93

,380

:yug

s/

;dfo

f]hg

(34,4

7,00

0) 3

4,4

7,00

0

;dfof]lh

t z'?

df}Hbft

2,60

,96,

00,0

00

37,

81,

993

11,

58,1

6,97

4

15,

49,

650

6,4

3,63

3 1

,13,

01,1

30

2,7

4,2

6,93

,380

o; j

if{ ;dfo

f]hg

o; j

if{sf] v"b

gfkmf

34,6

2,96

,108

34

,62,

96,1

08

z]o/

k'“hL lgis

fzg

k|:tflj

t g

ub

nfe

f+z(1

,37,

34,7

37)

(1,3

7,34

,737

)

k|:tflj

t a

f]g; z

]o/26

,09,

60,0

00(2

6,09

,60,

000)

;fw

f/0f h

u]8f sf]if

(6,9

2,59

,222

) 6

,92,

59,2

22

:yug

s/

hu]8f

(1,4

8,2

14)

1,4

8,2

14

;6x

L 36a

9 sf]if

(5,9

1,23

8)

5,9

1,23

8

cg'b

fg k

|fKt :yL/ ;

DklQ

(3,7

7,19

3)(3

,77,

193)

clGt

d df

}Hbft

2,87,

05,6

0,00

0 5

3,84,6

92

18,5

0,76

,195

1

1,72

,457

1

2,34

,871

1,

14,4

9,34

4

3,07

,48,7

7,55

9

xfd|f] ;+nUg

k|lt

j]bgs

f] cfw

f/df

l;=P= pd]z k

|;fb 9

sfn

;fe

m]bf/

b]j P

;f]l;

P^\;

rf^{*{ P

sfp

G^])^

\;k|f

= 8f=

dbg

s'df/ b

fxfn

cWo

If

uf]k

fn v

gfn

;~r

fns

r]t g

f/fo

0f k

f08]

;~r

fns

ldlt

M @)&@

d+l;

/ @!

:yfg

M sf7

df8

f}+

8f=

b'dg

yfk

f

;~r

fns

dbg

s'df/ c

frfo

{

;~r

fns

lbk]G

b| cu|jf

n

;~r

fns

ef]h

axfb'/

zfx

;~r

fns

clg

n s

]z/L z

fx

k|d'v s

fo{sf/L clws[t

k/d]Zj

/ kG

t

;~r

fns

/d]z v

8sf

k|d'v ljQ

tyf of

]hgf


gub k|jfx ljj/0f! >fj0f @)&! b]lv #! cfiff9 @)&@ ;Dd -!& h'nfO{ @)!$ b]lv !^ h'nfO{ @)!% ;Dd_


-s_ sf/f]af/ ;~rfngaf6 gub k|jfx 1,25,30,59,837 (41,73,73,678)

! gub k|flKt 2,02,11,88,874 1,83,12,78,115 !=! Aofh cfDbfgL 1,77,48,52,559 1,62,84,07,615 !=@ sldzg tyf l8:sfp06 cfDbfgL 3,51,30,602 2,58,89,781 !=# ljb]zL ljlgdo sf/f]af/af6 cfDbfgL 10,00,16,706 9,34,48,506 !=$ ckn]lvt shf{sf] c;'nL - - !=% cGo cfDbfgL 11,11,89,007 8,35,32,213 @ gub e'QmfgL (1,54,80,71,676) (1,25,41,50,690)

@=! Aofh vr{ (94,99,16,155) (74,25,04,415)@=@ sd{rf/L vr{ (18,49,00,589) (16,07,43,749)@=# sfof{no ;~rfng vr{ (20,89,44,706) (19,64,72,423)@=$ cfos/ e'QmfgL (16,06,50,326) (12,90,67,787)@=% cGo vr{ (4,36,59,900) (2,53,62,316)

sfo{ut k''FhL ultljlw cl3sf] gub k|jfx 47,31,17,198 57,71,27,425 ;~rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l4_ (3,06,70,04,608) (3,94,17,79,783)

! dfu tyf cNk;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ (18,66,02,071) 74,25,88,222 @ cGo cNksfnLg nufgLdf sdL÷-j[l4_ 51,37,87,356 (1,18,09,36,116)# shf{ tyf lan vl/bdf sdL÷-j[l4_ (3,17,91,99,822) (3,15,21,38,859)$ cGo ;DklQdf sdL÷-j[l4_ (21,49,90,071) (35,12,93,030)

;~rfng ;DaGwL rfn" bfloTjdf -sdL_÷j[l4 3,84,69,47,248 2,94,72,78,680 ! lgIf]k bfloTjdf -sdL_÷j[l4 3,98,30,26,274 4,61,41,90,284 @ ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷j[l4 - - # cNksfnLg ;fk6Ldf -sdL_÷j[l4 (23,13,98,379) (1,62,29,59,939)$ cGo bfloTjdf -sdL_÷j[l4 9,53,19,353 (4,39,51,665)

-v_ nufgL sf/f]af/df gub k|jfx (2,81,07,974) (4,45,33,830)! bL3{sfnLg nufgLdf sdL÷-j[l4_ - - @ :yL/ ;DklQdf sdL÷-j[[l4_ (2,81,07,974) (4,45,33,830)# bL3{sfnLg nufgLdf Aofh cfDbfgL - - $ nfef+z cfDbfgL - - % cGo - -

-u_ ljQLo >f]t sf/f]af/af6 gub k|jfx (2,24,45,562) (18,44,74,209)! bL3{sfnLg C0f -a08, l8a]~r/ cflb_ df j[l4÷-sdL_ - - @ z]o/ k'“hLdf j[l4÷-sdL_ - - # cGo bfloTjdf j[l4÷-sdL_ - - $ g]kfn /fi6« a}+saf6 k|fKt ;x'lnot / k'g/shf{df j[l4÷-sdL_ - - % nfef+z e'QmfgL (2,24,45,562) (18,44,74,209)

-3_ gub tyf a}+s df}Hbftsf] ljlgod b/df ePsf] km/saf6 cfDbfgL÷ -vr{_ 23,64,951 18,39,881 -ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 1,20,48,71,252 (64,45,41,836)-r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 1,83,15,91,086 2,47,61,32,921 -5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 3,03,64,62,338 1,83,15,91,086



;fem]bf/

b]j P;f]l;P^\;

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

k|f= 8f= dbg s'df/ bfxfn

cWoIf

uf]kfn vgfn

;~rfns

r]t gf/fo0f kf08]

;~rfns

ldltM @)&@ d+l;/ @!

:yfgM sf7df8f}+

8f= b'dg yfkf

;~rfns

dbg s'df/ cfrfo{

;~rfns

lbk]Gb| cu|jfn

;~rfns

ef]haxfb'/ zfx

;~rfns

clgn s]z/L zfx

k|d'v sfo{sf/L clws[tk/d]Zj/ kGt

;~rfns

/d]z v8sf


36 d]/f] a}+s – d]uf a}+s

z]]o/ k'“hL tyf :jfldTj#! cfiff9 @)&@ -!^ h'nfO{ @)!%_


! z]o/ k'FhL

!=! clws[t k'FhL 4,00,00,00,000 4,00,00,00,000

s= $,)),)),))) ;fwf/0f z]o/ ?= !)) n] 4,00,00,00,000 4,00,00,00,000

v= gg\l/l8d]jn lk|km/]G; z]o/

u= l/l8d]jn lk|km/]G; z]o/

!=@ hf/L k'FhL 2,60,96,00,000 2,33,00,00,000

s= @,^),(^,))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 2,60,96,00,000 2,33,00,00,000



!=# r'Qmf k'FhL 2,60,96,00,000 2,33,00,00,000

s= @,^),(^,))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 2,60,96,00,000 2,33,00,00,000



!=$ k|:tfljt af]g; z]o/ 26,09,60,000 27,96,00,000

!=% sn O{g P8efG;

hDdf /sd -!=# ± !=$ ± !=%_ 2,87,05,60,000 2,60,96,00,000

qm=;+= z]o/ :jfldTj ljj/0f o; jif{ ?= ut jif{ ?=

k|ltzt z]o/ k'“hL k|ltzt z]o/ k'“hL

! :jb]zL :jfldTj 100.00 2,60,96,00,000 100.00 2,33,00,00,000

!=! g]kfn ;/sf/

!=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx?

!=# cGo Ohfhtkqk|fKt ;+:yfx?

!=$ cGo ;+:yfx?

!=% ;j{;fwf/0f 30.00 78,28,80,000 30.00 69,90,00,000

!=^ cGo 70.00 1,82,67,20,000 70.00 1,63,10,00,000

@ j}b]lzs :jfldTj

hDdf 100.00 2,60,96,00,000 100.00 2,33,00,00,000

)=% k|ltzt jf ;f] eGbf a9L :jfldTj ePsf z]o/wgLx?sf] ljj/0f#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

qm=;+= gfd z]o/ :jfldTj k|ltzt /sd ?=

! 8f= b'dg l;+x yfkf If]qL )=*@ 2,12,80,000

@ zDe' laqmd yfkf )=^$ 1,68,00,000

# uf]kfn vgfn )=%@ 1,34,40,000

$ t'N;L/fd kf]v/]n )=%! 1,32,24,960

cg';"rL — $=!


hu]8f tyf sf]ifx?#! cfiff9 @)&@ -!^ h'nfO{ @)!%_


! ;fwf/0f÷j}wflgs hu]8f sf]if 18,50,76,195 11,58,16,974

@ k'FhLut hu]8f sf]if 11,72,457 15,49,650

s= k'“hLut hu]8f -:yL/ ;DklQ cg'bfg_ 11,72,457 15,49,650

# k'FhL lkmtf{ hu]8f sf]if

$ k'FhL ;dfof]hg sf]if

% cGo hu]8f tyf sf]if 1,14,49,344 78,54,130

s= e}k/L cfpg] hu]8f

v= ;+:yf ljsf; sf]if

u= nfef+z ;dLs/0f sf]if

3= ljz]if hu]8f sf]if

ª= ;DklQ k'gd"{NofÍg sf]if

r= :yug s/ hu]8f 1,14,49,344 78,54,130

5= cGo :jtGq sf]if

h= cGo hu]8f sf]if

^ ;l~rt gfkmf÷-gf]S;fg_ 53,84,692 72,28,993

& ;6xL 36a9 sf]if 12,34,871 6,43,633

hDdf 20,43,17,559 13,30,93,380

C0fkq tyf a08#! cfiff9 @)&@ -!^ h'nfO{ @)!%_


!

@

====k|ltzt a08 ÷ C0fkq k|lt a08 ÷ C0fkq ?==== n] ldlt ==================== df

hf/L ePsf] / ldlt ============== df r'Qmf x'g] -xfn;Ddsf] Redemption Reserve

/sd ?=======================_

====k|ltzt a08 ÷ C0fkq k|lt a08 ÷ C0fkq ?==== n] ldlt ============= df hf/L ePsf] / ldlt ====================== df r'Qmf x'g] -xfn;Ddsf] Redemption Reserve/sd ?=======================_

hDdf -!±@_

ltg{ af“sL shf{ -;fk6L_#! cfiff9 @)&@ -!^ h'nfO{ @)!%_


-s_ :jb]zL

! g]kfn ;/sf/

@ g]kfn /fi6« a}+s

# l/kf] bfloTj

$ cGt/ a}+s tyf ljQLo ;+:yf 14,72,96,431 37,30,69,811

% cGo ;+ul7t ;+:yfx?

^ cGo 9,37,500 65,62,500

hDdf 14,82,33,931 37,96,32,311

-v_ ljb]zL

! a}+sx?

@ cGo

hDdf

hDdf -s ± v_ 14,82,33,931 37,96,32,311

cg';"rL — $=@

cg';"rL — $=#

cg';"rL — $=$

38 d]/f] a}+s – d]uf a}+s

lgIf]k lx;fa#! cfiff9 @)&@ -!^ h'nfO{ @)!%_


Aofh ltg'{ gkg]{ vftfx?

-s_ rNtL lx;fa 91,53,52,022 46,51,15,603

! :jb]zL d'b|fdf 89,00,71,429 44,41,77,835

!=! g]kfn ;/sf/ 47,86,376 64,78,047

!=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx?

!=# cGo Ohfhtkqk|fKt ljQLo ;+:yfx? 3,54,54,582 2,62,04,819

!=$ cGo ;+ul7t ;+:yfx? 81,38,02,178 38,30,36,709

!=% JolTfmut 3,26,19,132 2,58,43,371 !=^ cGo 34,09,161 26,14,889

@ ljb]zL d'b|fdf 2,52,80,593 2,09,37,768 @=! g]kfn ;/sf/

@=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx?

@=# cGo Ohfhtkqk|fKt ljQLo ;+:yfx?

@=$ cGo ;+ul7t ;+:yfx? 2,30,25,796 2,06,00,926

@=% JolQmut 22,54,798 3,36,842

@=^ cGo -v_ dflh{g 12,99,38,705 12,05,73,028 ! sd{rf/L hdfgt @ hdfgt dflh{g 6,60,37,505 5,13,73,228 # k|lttkq dflh{g 6,39,01,200 6,91,99,800

$ cGo

-u_ cGo 3,98,83,300 1,68,35,335

! :jb]zL d'b|fdf 3,98,83,300 93,50,975 !=! ljQLo ;+:yfx? 10,00,000 !=@ cGo ;+ul7t ;+:yfx? 1,22,86,001 !=# JolQmut 2,75,97,299 83,50,975 @ ljb]zL d'b|fdf 74,84,360

@=! ljQLo ;+:yfx?

@=@ cGo ;+ul7t ;+:yfx?

@=# JolQmut 74,84,360

c Aofh ltg'{ gkg]{ vftfx?sf] hDdf -s±v±u_ 1,08,51,74,027 60,25,23,966

Aofh ltg'{ kg]{ vftfx?

-s_ art lx;fa 6,37,17,15,686 5,87,43,66,115 ! :jb]zL d'b|fdf 6,28,43,37,574 5,81,29,40,634

!=! ;+3 ;+:yfx? 9,49,89,545 6,14,71,834 !=@ JolQmut 6,18,93,48,029 5,75,14,68,800 !=# cGo @ ljb]zL d'b|fdf 8,73,78,112 6,14,25,481

@=! ;+3 ;+:yfx? @=@ JolQmut 8,73,78,112 6,14,25,481 @=# cGo -v_ d'2tL lx;fa 7,34,09,32,819 8,23,97,51,955 ! :jb]zL d'b|fdf 6,20,78,37,052 7,91,95,73,603

!=! ;+3 ;+:yfx? 4,23,72,12,372 5,52,79,73,482 !=@ JolQmut 1,97,06,24,680 2,39,16,00,121

!=# cGo

cg';"rL — $=%


lgIf]k lx;fa#! cfiff9 @)&@ -!^ h'nfO{ @)!%_


@ ljb]zL d'b|fdf 1,13,30,95,767 32,01,78,352

@=! ;+3 ;+:yfx? 1,12,47,70,575 31,77,80,666

@=@ JolQmut 83,25,192 23,97,686

@=# cGo

-u_ dfu]sf] avt ltg'{ kg]{ lx;fa 6,33,28,52,593 2,43,10,06,815

! :jb]zL d'b|fdf 6,29,68,90,747 2,33,18,35,003

!=! æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx?

!=@ cGo Ohfhtkqk|fKt ljQLo ;+:yfx? 3,08,99,24,713 1,24,50,72,417

!=# cGo ;+ul7t ;+:yfx? 3,08,46,23,729 98,26,53,652

!=$ JolQmut 12,23,42,305 10,41,08,934

!=% cGo

@ ljb]zL d'b|fdf 3,59,61,846 9,91,71,812

@=! æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx?

@=@ cGo Ohfhtkqk|fKt ljQLo ;+:yfx?

@=# cGo ;+ul7t ;+:yfx? 3,13,75,456 9,53,49,582

@=$ JolQmut 45,86,389 38,22,230

@=% cGo

-3_ ;l6{lkms]6 ckm l8kf]lh6

! ;+ul7t ;+:yf

@ JolQmut

# cGo

-cf_ Aofh ltg'{ kg]{ vftfx?sf] hDdf -s±v±u±3_ 20,04,55,01,098 16,54,51,24,885

hDdf lgIf]k -c±cf_ 21,13,06,75,125 17,14,76,48,851

qmdz======

40 d]/f] a}+s – d]uf a}+s

e'QmfgL lbg'kg]{ lanx?#! cfiff9 @)&@ -!^ h'nfO{ @)!%_


! :jb]zL d'b|f 1,00,96,555 94,17,855

@ ljb]zL d'b|f 6,30,69,525 3,76,42,001

hDdf 7,31,66,080 4,70,59,856

cGo bfloTj#! cfiff9 @)&@ -!^ h'nfO{ @)!%_


! k]G;g÷pkbfg sf]if 98,54,276 68,25,556

@ sd{rf/L ;~ro sf]if

# sd{rf/L sNof0f sf]if

$ sd{rf/L af]g; Joj:yf 4,97,20,468 4,36,59,900

% lgIf]kdf e'QmfgL lbg af“sL Aofh 7,07,85,311 10,63,99,126

^ ;fk6Ldf e'QmfgL lbg af“sL Aofh 3,114 26,003

& kfsL g;s]sf] l8:sfp06 / sldzg 1,58,814 3,10,000

* ;08«L qm]l86{; 87,29,726 81,11,354

( zfvf ldnfg lx;fa

!) :yug s/ bfloTj

!! e'QmfgL lbg af“sL nfef+z 1,74,96,018 2,52,25,791

!@ e'QmfgL lbg af“sL n]vfk/LIf0f z'Ns 5,09,630 4,63,300

!# cGo 10,43,20,913 3,73,82,965

!#=! ;l~rt sd{rf/L ljbf Joj:yf 1,50,38,515 1,68,02,393

!#=@ >f]tdf s/ s§L 1,12,02,229 82,38,956

!#=# ljk|]if0f bfloTj 28,02,996 62,21,630

!#=$ cGo 7,52,77,172 61,19,986

hDdf 26,15,78,272 22,84,03,995

cg';"rL — $=^

cg';"rL — $=&


gub df}Hbft#! cfiff9 @)&@ -!^ h'nfO{ @)!%_


! :jb]zL d'b|f -l;Ssf ;d]t_ 52,62,19,181 43,38,46,693

@ ljb]zL d'b|f 1,31,66,719 48,07,727

hDdf 53,93,85,900 43,86,54,420

g]kfn /fi6« a}+sdf /x]sf] df}Hbft#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

qm=;+= ljj/0f :jb]zL d'b|f ?= ljb]zL d'b|f -g]= ?= df_ o; jif{ ?= ut jif{ ?=

ef= ?= kl/jTo{ lj= d'= hDdf

! g]kfn /fi6« a}+s 2,19,60,64,839 72,28,755 72,28,755 2,203,2,93,594 1,15,43,56,180

s= rNtL vftf 2,19,60,64,839 72,28,755 72,28,755 2,20,32,93,594 1,15,43,56,180

v= cGo vftf

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

qm=;+= ljj/0f :jb]zL d'b|f ?= ljb]zL d'b|f -g]= ?= df_ o; jif{ ?= ut jif{ ?=

ef= ?= kl/jTo{ lj= d'= hDdf

! :jb]zL Ohfhtkqk|fKt ;+:yfx? 12,13,49,378 12,13,49,378 11,79,67,885

s= rNtL vftf 12,13,49,378 12,13,49,378 11,79,67,885

v= cGo vftf

@ ljb]zL a}+sx? 8,55,09,983 8,69,23,484 17,24,33,467 17,24,33,467 12,06,12,601

s= rNtL vftf 8,55,09,983 8,69,23,484 17,24,33,467 17,24,33,467 12,06,12,601

v= cGo vftf

hDdf 12,13,49,378 8,55,09,983 8,69,23,484 17,24,33,467 29,37,82,845 23,85,80,486

gf]]6M ;DalGwt Ohfhtkqk|fKt ;+:yfx?sf] ;dy{gkq cg';f/sf] s"n df}Hbft ?= @(,^*,%^,!$@÷–

dfu tyf cNk;"rgfdf k|fKt x'g] /sd#! cfiff9 @)&@ -!^ h'nfO{ @)!%_


! :jb]zL d'b|fdf 23,50,00,000

@ ljb]zL d'b|fdf 1,06,71,04,071 64,55,02,000

hDdf 1,06,71,04,071 88,05,02,000

cg';"rL — $=*

cg';"rL — $=(

cg';"rL — $=!)

cg';"rL — $=!!

42 d]/f] a}+s – d]uf a}+s

nufgL#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

qm=;+= ljj/0f k|of]hg o; jif{ ?= ut jif{ ?=

Jofkfl/s cGo

! g]kfn ;/sf/sf] 6]«h/L lan 38,02,60,244 38,02,60,244 2,18,76,47,600

@ g]kfn ;/sf/sf] artkq - - -

# g]kfn ;/sf/sf] cGo C0fkq 60,00,00,000 60,00,00,000 -

$ g]kfn /fi6« a}+s C0fkq - - -

% ljb]zL C0fkq - - -

^ :jb]zL Ohfhtkqk|fKt ;+:yf - - 12,50,60,000

& ljb]zL a}+s 71,10,60,000 71,10,60,000 19,24,00,000

* ;+ul7t ;+:yfx?sf] z]o/ 23,02,600 23,02,600 23,02,600

( ;+ul7t ;+:yfx?sf] l8a]]~r/ tyf a08 - - -

!) cGo nufgL 30,00,00,000 30,00,00,000 -

s"n nufgL 1,99,36,22,844 1,99,36,22,844 2,50,74,10,200

Joj:yf - - -

v"b nufgL 1,99,36,22,844 1,99,36,22,844 2,50,74,10,200

z]o/, l8a]~r/ tyf a08df nufgL#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

qm=;+= ljj/0f k/n df]n ?=ahf/ d"Nocg';f/ ?=

Joj:yf/sd ?=

o; jif{ ?= ut jif{ ?=

! z]o/ nufgL 23,02,600 23,02,600 23,02,600

!=!g]kfn SnLol/Ë xfp; sDkgL ln=

-@#,)@^ ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf23,02,600 gePsf] 23,02,600 23,02,600

!=@============= sDkgL -k|f=ln=÷ln=_

===== ;fwf/0f z]o/, k|lt z]o/ ===== n] r'Qmf

!=#============= sDkgL -k|f=ln=÷ln=_

===== ;fwf/0f z]o/, k|lt z]o/ ===== n] r'Qmf

@ l8a]~r/ tyf a08 nufgL

@=!

============= sDkgL -k|f= ln=÷ln_

======== k|ltzt l8a]~r/÷a08 k|lt l8a]~r/÷a08

====== ?==== n] r'Qmf

@=@

============= sDkgL -k|f= ln=÷ln_

======== k|ltzt l8a]~r/÷a08 k|lt l8a]~r/÷a08

====== ?==== n] r'Qmf

s"n nufgL 23,02,600 23,02,600 23,02,600

# hf]lvd ;DaGwL Joj:yf

#=! ut jif{ ;Ddsf] Joj:yf

#=@ o; jif{sf] yk÷36

s"n Joj:yf

v"b nufgL 23,02,600 23,02,600 23,02,600

cg';"rL — $=!@

cg';"rL — $=!@ -s_


Jofkfl/s nufgL (Held For Trading)#! cfiff9 @)&@ -!^ h'nfO{ @)!%_qm=;+= ljj/0f k/n d"No kl5Nnf] ahf/

d"No -s_xfnsf] ahf/

d"No -v_o; jif{ gfkmf÷ -gf]S;fg_ /sd

-v–s_

ut jif{ gfkmf÷ -gf]S;fg_ /sd

s}lkmot

! g]kfn ;/sf/sf] 6«]h/L lan

@ g]kfn ;/sf/sf] artkq

# g]kfn ;/sf/sf] cGo C0fkq

$ g]kfn /fi6« a}+s C0fkq

% ljb]zL C0fkq

^ :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/

& :jb]zL Ohfhtkqk|fKt ;+:yfsf] l8a]~r/ tyf a08

* :jb]zL ;+ul7t ;+:yfsf] z]o/, l8a]~r/ tyf a08

( ljb]zL a}+s nufgL -Placement_!) cGt/ a}+s nufgL

!! cGo nufgL

s"n nufgL

e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held To Maturity)#! cfiff9 @)&@ -!^ h'nfO{ @)!%_qm=;+= ljj/0f k/n d"No

-s_xfn;Ddsf] Iflt /sd

-v_

o; jif{sf] Iflt /sd

-u_

o; jif{ gfkmf÷ -gf]S;fg_ /sd

-s–v–u_


s}lkmot

! g]kfn ;/sf/sf] 6«]h/L lan 38,02,60,244


# g]kfn ;/sf/sf] cGo C0fkq 60,00,00,000


% ljb]zL C0fkq



* :jb]zL ;+ul7t ;+:yfsf] z]o/, l8a]~r/ tyf a08

( ljb]zL a}+s nufgL -Placement_ 71,10,60,000

!) cGo nufgL 30,00,00,000

s"n nufgL 1,99,13,20,244

laqmLsf] nflu pknAw nufgL (Available For Sale)#! cfiff9 @)&@ -!^ h'nfO{ @)!%_qm=;+= ljj/0f k/n d"No kl5Nnf]

ahf/ d"No -s_

xfnsf] ahf/

d"No -v_

o; jif{ sf]if ;dfof]hg

/sd -v–s_


s}lkmot

! g]kfn ;/sf/sf] 6«]h/L lan


# g]kfn ;/sf/sf] cGo C0fkq


% ljb]zL C0fkq



* :jb]zL ;+ul7t ;+:yfsf] z]o/, l8a]~r/ tyf a08 23,02,600

( ljb]zL a}+s nufgL -Placement_!) cGo nufgL

s"n nufgL 23,02,600

cg';"rL — $=!@=!

cg';"rL — $=!@=@

cg';"rL — $=!@=#

44 d]/f] a}+s – d]uf a}+s

sh

f{, ;

fk6

ty

f lan

vl/

b j

uL{s

/0f /

;f]s

f] nflu

Jo

j:y

f#!

cfi

ff9 @

)&@

-!^

h'n

fO{ @

)!%_

qm=;

+=ljj/

0fshf{ ty

f ;fk6

vl/b

tyf l8

isfp

06 u

l/Ps

f] lan

o; j

if{ ?=

ut j

if{ ?=

:jb]z

Lljb]z

LhDd

f:j

b]zL

ljb]z

LhDd

f

ljkGg

ju{

cGo

ljld

tcljld

t

!;lqmo

shf{ ;fk6

85,

04,0

7,68

1 16

,34,7

7,38

,800

1

7,19

,81,

46,

481

48,3

2,89,

247

48,3

2,89,

247

17,

68,1

4,3

5,72

8 1

4,5

5,70

,55,

557

!=!

c;n s

hf{

82,

28,4

8,8

06

15,0

0,22

,66,

525

15,

82,

51,1

5,33

1 4

1,15

,14,0

28

41,

15,1

4,0

28

16,

23,6

6,29

,359

1

4,5

5,70

,55,

557

!=@

Wat

ch L

ist

2,7

5,58

,876

1

,34,5

4,7

2,27

4

1,3

7,30

,31,

150

7,1

7,75

,219

7

,17,

75,2

19

1,4

4,4

8,0

6,36

9

@lgliq

mo s

hf{ ;fk6

60,

28,4

28

30,

98,1

4,3

00

31,

58,4

2,72

7 3

1,58

,42,

727

32,

41,

51,6

79

@=!

k'g/;

+/rgf

÷k'g

/tfln

sLs

/0f

@=@

sd;n

40,

83,

054

1,5

8,5

9,24

4

1,9

9,42,

298

1,9

9,42,

298

2,5

0,16

,991

@=#

z+sf:kb

9,5

4,0

77

7,4

0,36

,767

7

,49,

90,8

44

7,4

9,90

,844

13,

21,5

5,65

7

@=$

v/fa

9,9

1,29

6 2

1,99

,18,2

90

22,

09,0

9,58

6 2

2,09

,09,

586

16,

69,7

9,03

2

-s_

s"n s

hf{

85,

64,3

6,10

9 16

,65,

75,5

3,09

9 17

,51,

39,8

9,20

8

48,3

2,89,

247

48,3

2,89,

247

17,

99,7

2,78

,456

1

4,8

8,1

2,07

,236

#shf{ gf

]S;fg

L Jo

j:yf

#=!

c;n s

hf{

82,

28,4

88

15,

00,2

2,66

5 1

5,82,

51,1

53

41,

15,1

40

41,

15,1

40

16,

23,6

6,29

4

14,5

5,70

,556

#=@

Wat

ch L

ist

5,5

1,17

8

2,6

9,09

,445

2,7

4,6

0,62

3 1

4,3

5,50

4

14,3

5,50

4

2,8

8,9

6,12

7

#=#

k'g/;

+/rgf

÷k''g

/tfln

sLs

/0f

#=$

sd;n

10,

20,7

63

39,

64,8

11

49,

85,

574

49,

85,

574

62,

54,2

48

#=%

z+sf:kb

4,7

7,03

9 3

,70,

18,3

83

3,7

4,9

5,422

3,7

4,9

5,422

6

,60,

77,8

28

#=^

v/fa

9,9

1,29

6 2

1,99

,18,2

90

22,

09,0

9,58

6

22,

09,0

9,58

6 1

6,69

,79,

032

-v_

s"n Joj

:yf

1,1

2,68

,764

4

3,78

,33,

595

44,9

1,02

,359

5

5,50

,645

55,

50,6

45

45,

46,

53,0

03

38,4

8,8

1,66

3

$ut j

if{;Dd

sf] Jo

j:yf

$=!

c;n

66,

76,6

61

13,

63,8

5,73

9 1

4,3

0,62

,400

2

5,08

,156

2

5,08

,156

1

4,5

5,70

,556

1

1,47,

42,

968

$=@

Wat

ch L

ist

$=#

k'g/;

+/rgf

÷k''g

/tfln

sLs

/0f

$=$

sd;n

38,3

37

62,

15,9

11

62,

54,2

48

62,

54,2

48

1,2

3,65

,983

$=%

z+sf:kb

1,0

5,21

9 6

,59,

72,6

09

6,6

0,77

,828

6,6

0,77

,828

6

,58,9

4,2

99

$=^

v/fa

7,2

1,18

7 1

6,62

,57,

845

16,

69,7

9,03

2

16,

69,7

9,03

2 7

,35,

18,9

99

-u_

ut j

if{;Dd

sf] s"n Joj

:yf

75,

41,

404

3

7,48,3

2,10

4

38,2

3,73

,508

2

5,08

,156

2

5,08

,156

3

8,4

8,8

1,66

4

26,

65,2

2,24

9

-3_

o; j

if{sf] Jo

j:yfa

f6 lkmtf{

3,1

2,05

,326

3

,12,

05,3

26

3,1

2,05

,326

6

3,15

,680

-ª_

o; j

if{sf] yk

Joj:

yf

37,

27,3

60

9,4

2,06

,817

9

,79,

34,1

77

30,

42,

489

30,

42,

489

10,

09,7

6,66

5 1

2,46,

75,0

94

-r_

o; j

if{sf] v"b

yk3

6 3

7,27

,360

6

,30,

01,4

91

6,6

7,28

,851

3

0,42,

489

30,

42,

489

6,9

7,71

,339

1

1,83,

59,4

14

v"b

shf{ -s

– v

_ 8

4,5

1,67

,345

16,

21,9

7,19

,505

1

7,06

,48,8

6,850

4

7,77

,38,6

03

47,

77,3

8,6

03

17,

54,2

6,25

,452

1

4,4

9,63

,25,

573

cg';

"rL — $

=!#


shf{, ;fk6 / lan vl/bsf] ;'/If0f#! cfiff9 @)&@ -!^ h'nfO{ @)!%_


-s_ ;'/lIft 17,99,72,78,456 14,88,12,07,236

! rn÷crn ;DklQsf] ;'/If0fdf 17,38,77,86,905 14,38,08,50,974

@ :jb]zL Ohfhtkqk|fKt ;+:yfsf] hdfgtdf 32,20,65,215 22,85,87,849

# ;/sf/L hdfgtdf

$ cGt/f{li6«o >]0fLs[t a+}ssf] hdfgtdf

% lgof{t sfuhft (Export Document) sf] ;'/If0fdf

^ d'2tL /l;bsf] ;'/If0fdf 2,94,81,144 4,87,43,285

^=! ;+:yfsf] cfkm\g} d'2tL /l;bsf] ;'/If0fdf 2,94,81,144 4,87,43,285

^=@ cGo Ohfhtkqk|fKt ;+:yfsf] d'2tL /;Lbsf] ;'/If0fdf

& ;/sf/L C0fkqsf] ;'/If0fdf

* sfp06/ hdfgtdf

( JolQmut hdfgtdf

!) cGo ;'/If0fdf 25,79,45,192 22,30,25,128

-v_ c;'/lIft

hDdf 17,99,72,78,456 14,88,12,07,236

:yL/ ;DklQ#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

qm=;+= ljj/0f

;DklQ

o; jif{ ?= ut jif{ ?=ejg kl/jxg ;fwg d]lzg/L sfof{no

;fdfg

cGo

! k/n df]n

s ut jif{sf] df}Hbft 10,93,75,527 15,35,22,309 7,58,73,828 33,87,71,664 32,39,84,087

v o; jif{ yk 1,85,94,800 1,73,61,960 7,34,945 3,66,91,705 3,25,37,476

u o; jif{ k'gd"{NofÍg÷k'gn]{vg

3 o; jif{sf] laqmL (1,30,00,000) (1,30,00,000) (1,77,10,200)

ª o; jif{sf] ckn]vg (14,25,499) (14,25,499) s"n -s±v±u±3±ª_ k/ndf]n 11,49,70,327 16,94,58,769 7,66,08,773 36,10,37,869 33,88,11,363

@ x|f;s§L

s ut jif{;Ddsf] 4,85,17,100 8,15,81,013 4,62,03,750 17,63,01,863 14,00,61,188

v o; jif{sf] 1,40,61,528 2,09,39,234 92,64,947 4,42,65,709 4,56,54,384

u x|f;s§L k'gd"{NofÍg÷k'gn]{vg

3 x|f;s§L /sd ;dfof]hg÷lkmtf{ (77,84,246) (8,88,019) (86,72,266) (94,13,709)s"n x|f;s§L 5,47,94,382 10,16,32,227 5,54,68,697 21,18,95,306 17,63,01,863

# a's Eofn" (WDV*) -!–@_ 6,01,75,945 6,78,26,543 2,11,40,076 14,91,42,563 16,25,09,500 $ hUuf % k'“hLut lgdf{0f -k'“hLs/0f ul/g' kg]{_ 75,000 75,000 1,84,96,597 ^ nLh xf]N8 ;DklQ 2,78,62,454 2,78,62,454 3,27,71,651

hDdf -#±$±%±^_ 6,01,75,945 6,78,26,543 4,90,77,530 17,70,80,017 21,37,77,748

* Written Down Value

cg';"rL — $=!# -s_

cg';"rL — $=!$

46 d]/f] a}+s – d]uf a}+s

u}/ a}+ls· ;DklQ

#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

C0fL jf kf6L{sf] gfd 7]ufgf u}/ a}+ls· ;DklQ

;sf/ u/]sf] ldlt

s"n u}/ a}+ls·

;DklQ /sd ?=

gf]S;fgL Joj:yf v"b u}/ a}+ls·

;DklQ ?=

ut jif{ ?=

k|ltzt /sd ?=

la=P;= la|S; P08 6fon OG8li6«h k|f= ln= ;g\ @^÷@÷@)!% 2,68,07,000 100 2,68,07,000 -

l/4L u0f]z dN6L 6«]8\; k|f= ln= ;g\ @#÷#÷@)!% 2,75,56,000 100 2,75,56,000 -s"n hDdf 5,43,63,000 100 5,43,63,000 -

cGo ;DklQ#! cfiff9 @)&@ -!^ h'nfO{ @)!%_


! d;nGb df}Hbft 69,63,965 37,76,492

@ nufgLdf c;'n ug{ aF“sL cfDbfgL 1,27,10,959 65,54,449

# shf{df c;'n ug{ af“sL Aofh

Go'gM Aofh d'NtjL /sd

11,19,18,647(8,79,83,578)

2,39,35,070 9,63,03,455(9,63,03,455)

$ c;'n ug{ af“sL sldzg 1,21,616 2,01,905

% ;08«L 8]6;{ 2,21,05,343 34,14,964

^ sd{rf/L ;fk6L / k]ZsL 19,91,80,759 18,20,40,614

& clu|d e'QmfgL 1,70,21,995 1,50,02,500

* dfu{:y gub

( dfu{:y cGo -r]s ;d]t_

!) ljgf ;"rgf 8«fKf\m6sf] e'QmfgL

!! ckn]vg x'g af“sL vr{

!@ zfvf ldnfg lx;fa

!# :yug s/ ;DklQ 1,14,49,344 78,54,130

!$ cGo 59,68,19,137 42,27,86,268

clu|d cfos/

;'grf“bL lx;fa ldnfg 53,48,76,008 39,85,54,113

cGo 6,19,43,130 2,42,32,155

hDdf 89,03,08,187 64,16,31,323

cGo ;DklQ -yk ljj/0f_#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

qm=;+= ljj/0f o; jif{ ?= hDdf ut jif{ ?=

! jif{;Dd ! jif{b]lv # jif{;Dd # jif{eGbf dfly

! shf{df c;'n ug{ af“sL Aofh 10,54,07,812 65,10,835 11,19,18,647 9,63,03,455

@ lagf ;"rgf 8«fKf\m6sf] e'QmfgL

# zfvf ldnfg lx;fa

$ :jb]zL tyf ljb]zL Ph]G;L lx;fa

hDdf 10,54,07,812 65,10,835 11,19,18,647 9,63,03,455

cg';"rL — $=!%

cg';"rL — $=!^

cg';"rL — $=!^ -s_


;Defljt bfloTjx?#! cfiff9 @)&@ -!^ h'nfO{ @)!%_


! ;+:yf pk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf]

@ k|lttkqx? -dflh{g gs6fO{ k'/f /sd_ 65,68,02,410 77,55,79,409

s= ^ dlxgf eGbf sd cjlwsf] 61,52,67,091 73,10,44,832

v= ^ dlxgf eGbf a9L cjlwsf] 4,15,35,319 4,45,34,577

# k"gM l8:sfpG6 ul/Psf lanx?

$ Dofb gfl3 g;s]sf] Uof/]G6L÷a08 64,11,41,013 47,54,07,304

s= la8 a08 2,72,92,130 4,49,45,439

v= k/km/d]G; a08 36,44,28,883 28,32,11,865

u= cGo of/]06L÷a08 24,94,20,000 14,72,50,000

% r'Qmf jf e'Qmfg x'g afFsL z]o/ nufgL

^ km/jf8{ PS;r]~h sG6«fS6sf] afFsL bfloTjx? 1,00,78,42,797 58,95,22,824

& sn]S;gdf /x]sf lanx? 17,40,865 83,27,909

* d~h'/L tyf ;dy{g (Acceptance & Endorsement) 17,16,03,866 11,03,76,522

( k|Tofe'lt k|lta4tf (Underwriting Commitment)!) ckl/jTo{ shf{ k|lta4tf (Irrevocable Loan Commitment) 94,21,72,579 74,85,70,249

!! cGt/f{li6«o >]0fLs[t a}+ssf] sfp06/ Uof/]06Ldf lbPsf] Uof/]06L 16,00,750

!@ clu|d e'QmfgL Uof/]06L (Advance Payment Guarantee) 1,14,52,000 5,63,27,038

!# shf{{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee)!$ cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities on Income Tax) 99,21,506

!% cGo

hDdf 3,44,42,77,786 2,76,41,11,255

Aofh cfDbfgL! >fj0f @)&! b]lv #! cfiff9 @)&@ ;Dd -!& h'nfO{ @)!$ b]lv !^ h'nfO{ @)!% ;Dd_

qm=;+= ljj/0f o; jif{ ?= ut jif{ ?=s= shf{ ;fk6 / clwljsif{df 1,71,90,61,777 1,55,92,57,525 ! shf{ ;fk6 1,26,08,06,802 1,20,03,06,644 @ clwljsif{ 45,82,54,975 35,89,50,881 v= nufgLdf 1,53,52,020 3,70,40,304 != g]kfn ;/sf/sf] ;'/If0fkq 1,32,59,506 2,89,08,662

c= 6]«h/L laN; 1,18,84,300 2,89,08,662 cf= ljsf; C0fkq 13,75,205 O= /fli6«o artkq

@ ljb]zL C0fkq# g]kfn /fi6« a}+ssf] C0fkq$ l8a]~r/ tyf a08 % cGt/ a}+s nufgLdf 20,92,514 81,31,642

c= a}+s÷ljQLo ;+:yfx? 20,92,514 81,31,642 cf= cGo ;+:yfx?

u= Ph]G;L df}Hbftdf 68,175 1,03,341 ! :jb]zL a}+s÷ljQLo ;+:yfx? @ ljb]zL a}+sx? 68,175 1,03,341 3= dfu tyf cNk;"rgfdf k|fKt x'g] df}Hbftdf 5,95,95,082 2,10,52,358 ! :jb]zL a}+s÷ljQLo ;+:yfx? 5,16,12,941 1,64,80,702 @ ljb]zL a}+sx? 79,82,142 45,71,656 ª= cGodf 1,08,67,084 1,07,95,335 ! ;l6{lkms]6 ckm l8kf]lh6@ cGt/ a}+s÷ljQLo ;+:yf shf{# cGo 1,08,67,084 1,07,95,335

hDdf 1,80,49,44,138 1,62,82,48,863

cg';"rL — $=!&

cg';"rL — $=!*

48 d]/f] a}+s – d]uf a}+s

Aofh vr{! >fj0f @)&! b]lv #! cfiff9 @)&@ ;Dd -!& h'nfO{ @)!$ b]lv !^ h'nfO{ @)!% ;Dd_


s lgIf]k bfloTjdf 90,00,28,806 80,23,58,844

! d'2tL lgIf]k 39,79,23,274 39,43,94,958

!=! :jb]zL d'b|f 39,23,75,117 39,20,98,308

!=@ ljb]zL d'b|f 55,48,157 22,96,650

@ art lgIf]k 23,99,14,919 25,72,83,367

@=! :jb]zL d'b|f 23,89,01,743 25,66,32,190

@=@ ljb]zL d'b|f 10,13,177 6,51,177

# dfu]sf] avt ltg'{kg]{ lgIf]k 26,21,90,613 15,06,80,519

#=! :jb]zL d'b|f 26,11,40,693 15,00,19,995

#=@ ljb]zL d'b|f 10,49,920 6,60,524

$ ;l6{lkms]6 ckm l8kf]lh6\;

v shf{ ;fk6Ldf 1,42,50,645 46,67,076

! C0fkq tyf a08

@ g]kfn /fi6« a}+saf6 k|fKt shf{ 8,54,795

# cGt/ a}+s÷ljQLo ;+:yf shf{ 1,30,85,615 39,60,753

$ cGo ;+ul7t ;+:yf

% cGo shf{ 3,10,235 7,06,323

u cGodf

hDdf 91,42,79,452 80,70,25,920

sldzg tyf l8:sfp06! >fj0f @)&! b]lv #! cfiff9 @)&@ ;Dd -!& h'nfO{ @)!$ b]lv !^ h'nfO{ @)!% ;Dd_


s lan vl/b tyf l8:sfp06 9,750 2,261

! :jb]zL 9,750 2,261

@ ljb]zL

v sldzg 2,81,83,475 2,15,05,508

! k|lttkq 1,24,28,470 74,71,868

@ hdfgtkq 64,83,351 61,07,496

# sn]S;g kmL 3,97,382 3,13,827

$ /]ld6]G; kmL 88,74,272 76,12,317

% q]ml86 sf8{

^ z]o/ k|Tofe'lt÷lgisf;g

& ;/sf/L sf/f]af/ jfkt

* O=k|f= sldzg jfkt

( a§f cfDbfgL

u cGo 70,88,563 53,03,112

hDdf 3,52,81,788 2,68,10,881

cg';"rL — $=!(

cg';"rL — $=@)


cGo ;~rfng cfDbfgL! >fj0f @)&! b]lv #! cfiff9 @)&@ ;Dd -!& h'nfO{ @)!$ b]lv !^ h'nfO{ @)!% ;Dd_


! ;]km l8kf]lh6 eN6sf] ef8f 9,74,750 8,69,900

@ q]ml86 sf8{ lgisfzg tyf gjLs/0f

# ATM sf8{ lgisfzg tyf gjLs/0f 18,20,100 21,40,400

$ 6]n]S;÷l6=l6= 22,39,199 14,90,751

% ;]jf z'Ns 4,68,57,297 4,22,73,380

^ gjLs/0f z'Ns 1,04,55,523 61,91,738

& cGo 4,78,06,487 2,90,10,127

hDdf 11,01,53,355 8,19,76,296

;6xL 36a9 cfDbfgL÷gf]S;fg! >fj0f @)&! b]lv #! cfiff9 @)&@ ;Dd -!& h'nfO{ @)!$ b]lv !^ h'nfO{ @)!% ;Dd_


! ljlgdo b/df ePsf] km/saf6 23,64,951 18,39,881

@ ljb]zL d'b|f sf/f]af/af6 -a§f afx]s_ 10,00,16,706 9,34,48,506

hDdf cfDbfgL÷-gf]S;fg_ 10,23,81,657 9,52,88,387

sd{rf/L vr{! >fj0f @)&! b]lv #! cfiff9 @)&@ ;Dd -!& h'nfO{ @)!$ b]lv !^ h'nfO{ @)!% ;Dd_


! tna 10,39,81,186 9,47,96,618

@ eQf 6,21,53,766 5,17,53,462

# ;~rosf]ifdf yk 66,69,142 54,32,532

$ tflnd vr{ 21,27,878 21,68,643

% kf]zfs 27,19,989 11,28,688

^ cf}ifwf]krf/ - -

& ladf 48,88,896 40,48,343

* k]G;g tyf pkbfg Joj:yf 30,28,720 23,64,574

( cGo 5,95,855 56,07,400

hDdf 18,61,65,432 16,73,00,260

cg';"rL — $=@!

cg';"rL — $=@@

cg';"rL — $=@#

50 d]/f] a}+s – d]uf a}+s

cGo ;~rfng vr{! >fj0f @)&! b]lv #! cfiff9 @)&@ ;Dd -!& h'nfO{ @)!$ b]lv !^ h'nfO{ @)!% ;Dd_


! 3/ef8f 4,99,34,622 4,31,83,503

@ aQL, lah'nL tyf kfgL 77,37,185 68,16,471 # dd{t tyf ;Def/ 57,45,416 41,46,340 s= ejg 28,39,095 16,94,012 v= ;jf/L ;fwg 20,77,368 20,12,946 u= cGo 8,28,953 4,39,382

$ ladf 36,22,493 38,88,573 % kf]i6]]h, 6]n]S;, 6]lnkmf]g, km\ofS; 1,22,31,460 1,25,58,022 ^ sfof{no pks/0f / kmlg{r/ ;Def/ 17,61,264 24,16,769 & e|d0f eQf / vr{ 39,80,777 34,50,731 * d;nGb / 5kfO{ 1,18,36,333 89,55,184 ( kqklqsf tyf k':ts 2,62,238 2,71,916 !) lj1fkg 56,43,290 47,61,152 !! sfg"gL vr{ 1,58,047 2,66,471 !@ rGbf 36,36,499 50,000 !# ;~rfns ;ldlt ;DaGwL vr{ 53,20,026 26,44,544 s= a}7s eQf 39,60,000 17,89,500 v= cGo vr{ 13,60,026 8,55,044

!$ ;fwf/0f ;ef ;DaGwL vr{ 15,22,076 9,92,984 !% n]vfk/LIf0f ;DaGwL 7,34,630 6,63,300 s= n]vfk/LIf0f z'Ns 5,09,630 4,63,300 v= cGo vr{ 2,25,000 2,00,000

!^ /sd :yfgfGt/0f sldzg - -!& :yL/ ;DklQdf x|f; s§L 4,38,77,766 4,56,54,384 !* k"j{ ;~rfng vr{ ckn]vg - -!( z]o/ lgisfzg vr{ - 1,08,48,497 @) k|fljlws ;]jf zf]wegf{ 1,32,98,605 1,00,14,135 @! dgf]/~hg vr{ 11,19,638 8,34,132 @@ ckn]vg vr{ 2,06,17,751 1,90,05,277 @# ;'/Iff vr{ 2,31,89,098 2,27,32,006 @$ shf{ ;'/If0f lk|ldod - -@% sldzg / l8:sfp06 12,50,992 10,79,367 @^ cGo 5,59,19,515 4,44,57,466

s= OGwg vr{ 1,18,74,937 1,31,29,415 v= lrof÷rd]gf vr{ 17,25,845 17,52,214 u= zfvf/lxt a}+lsË vr{ 13,37,331 12,93,791 3= u|fxs ;Tsf/ tyf k|fof]hg vr{ 20,45,259 24,67,777 ª= btf{ tyf ;b:otf z'Ns 12,69,059 29,65,436 r= ;/;kmfO{ 15,98,524 11,75,923 5= sf8{;+u ;DalGwt vr{ 46,59,979 41,06,037 h= s/÷z'Ns 25,69,744 31,86,352 em= lgIf]k ladf lk|ldod 49,13,799 45,86,654 `= ljB'lto lSnol/Ë vr{ 10,35,817 10,98,330 6= s/:kf]G8]G6 tyf cGo a}+s z'Ns 24,68,459 19,13,878 7= ax'd"No wft' kl/jxg vr{ 1,67,89,994 40,89,302 8= cGo 36,30,767 26,92,357

hDdf 27,33,99,722 24,96,91,224

cg';"rL — $=@$


;Defljt gf]S;fgL Joj:yfcf= j= @)&!÷&@ -@)!$÷!%_


! shf{ gf]S;fgL Joj:yfdf ePsf] j[l4 10,09,76,665 12,46,75,094

@ nufgL gf]S;fgL Joj:yfdf ePsf] j[l4

# u}/ a}+lsË ;DklQ gf]S;fgL Joj:yf 5,43,63,000

$ cGo ;DklQdf ul/Psf] Joj:yf 1,53,400 1,14,90,000

hDdf 15,54,93,065 13,61,65,094

u}/ ;~rfng cfDbfgL÷gf]S;fg! >fj0f @)&! b]lv #! cfiff9 @)&@ ;Dd -!& h'nfO{ @)!$ b]lv !^ h'nfO{ @)!% ;Dd_


! nufgL laqmLaf6 cfDbfgL÷-gf]S;fg_

@ ;DklQ laqmLaf6 cfDbfgL÷-gf]S;fg_ 26,505 1,78,998

# nfef+z

$ g]kfn /fi6« a+}saf6 k|fKt ;x'lnot

s= tf]lsPsf] zfvfaf6 gf]S;fg jfkt Ifltk"lt{

v= Aofh Ifltk"lt{

u= ;6xL sfp06/

% cGo 10,35,652 16,22,292

v"b u}/ ;~rfng cfDbfgL -gf]S;fg_ 10,62,157 18,01,290

;Defljt gf]S;fgL Joj:yfaf6 lkmtf{cf= j= @)&!÷&@ -@)!$÷!%_


! shf{ gf]S;fgL Joj:yfaf6 lkmtf{ 3,12,05,326 63,15,680

@ u}/ a}+lsË ;DklQ gf]S;fgL Joj:yfaf6 lkmtf{

# nufgL Joj:yfaf6 lkmtf{

$ cGo ;Dklt Joj:yfaf6 lkmtf{

hDdf 3,12,05,326 63,15,680

c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷vr{{! >fj0f @)&! b]lv #! cfiff9 @)&@ ;Dd -!& h'nfO{ @)!$ b]lv !^ h'nfO{ @)!% ;Dd_


! ckn]vg ePsf] shf{sf] c;'nL

@ :j]lR5s cjsfz vr{

# c;'nL x'g g;Sg] shf{sf] ckn]vg -$=@* s_

$ cGo vr{÷cfDbfgL (87,65,603)

hDdf (87,65,603)

cg';"rL — $=@%

cg';"rL — $=@^

cg';"rL — $=@&

cg';"rL — $=@*

52 d]/f] a}+s – d]uf a}+s

ckn]lvt shf{sf] ljj/0fcf= j= @)&!÷&@ -@)!$÷!%_

qm=;+= shf{ k|sf/ ckn]vg

ul/Psf] /sd

lwtf]sf] k|sf/

tyf /sd

lwtf] d"Nof°gsf

cfwf/

shf{ :jLs[t ug]{

clwsf/L÷tx

shf{ c;'nLsf nflu

eP u/]sf k|of;

s}lkmot

! rfn" k'“hL shf{

@ kl/of]hgf shf{

# :yL/ k'“hL shf{

$ JolQmut shf{

% cGo shf{

s"n shf{

;~rfns÷sfo{sf/L k|d'v÷;+:yfks÷sd{rf/L tyf z]o/xf]N8/x?nfO{ uPsf] shf{ ;fk6 ljj/0f#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

vl/b tyf l8:sfp06 ul/Psf lanx? / shf{, ;fk6 tyf clwljsif{df k|jflxt s"n /sd dWo] ;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/ xf]N8/x? /

lghx?sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d}g]lhË Ph]G6 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .

;+:yfks÷;~rfns÷ sfo{sf/L k|d'vsf] gfd

ut jif{;Ddsf] af“sL o; jif{ c;'nL o; jif{ yk shf{ cfiff9 d;fGt;Dd af“sL

;f“jf Aofh ;f“jf Aofh ;f“jf Aofh

-s_ ;~rfns

!=

@=

-v_ sfo{sf/L k|d'v

!=

@=

-u_ ;+:yfks

!=

@=

-3_ sd{rf/L

!=

@=

-ª_ z]o/wgLx?

!=

@=

sd{rf/L ljlgodfjnL cGtu{t k|bfg ePsf sd{rf/L shf{ tyf a}+ssf] lgIf]ksf] ;'/If0fdf k|bfg ePsf shf{x?nfO{ ;dfj]z gul/Psf] .

cg';"rL — $=@* -s_

cg';"rL — $=@(


k'“hLsf]if tflnsf#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

qm=;+= ljj/0f o; jif{ ut jif{!=! hf]lvd efl/t ;DklQ

s= shf{ hf]lvd 1,93,71,459 1,62,53,121 v= ;~rfng hf]lvd 11,95,020 8,14,824 u= ahf/ hf]lvd 6,08,621 3,95,565

s"n hf]lvd efl/t ;DklQ -Pillar ll cGtu{tsf] ;dfof]hg cl3_ 2,11,75,100 1,74,63,511 Pillar ll cGtu{tsf] ;dfof]hg

hf]8 M ^=$ -s_ -&_ cg';f/ s"n cfDbfgLsf] @ k|ltzt -Reciprocal of Capital Charge_ 2,10,305 1,70,290 hf]8 M ^=$ -s_ -(_ cg';f/ hf]lvd efl/t ;DklQsf] @ k|ltzt 4,23,502 3,49,270 s"n hf]lvd efl/t ;DklQ -Pillar II cGtu{tsf] ;dfof]hg kl5_ 2,18,08,907 1,79,83,071

!=@ k'“hLsf]if

k|fylds k'“hL (Tier I) 30,49,572 27,24,792 s r'Qmf k'“hL 26,09,600 23,30,000 v Ol/l8d]jn gg\ So'Do'n]l6e lk|km/]G; z]o/ u z]o/ lk|ldod3 k|:tfljt af]g; z]o/ 2,60,960 2,79,600 ª ;fwf/0f hu]8f sf]if 1,85,076 1,15,817 r ;l~rt gfkmf÷-gf]S;fg_ 5,385 7,229 5 rfn" cf=j=sf] gfkmf÷-gf]S;fg_h k'“hL lkmtf{ ;dfof]hg sf]ifem k'“hL ;dfof]hg sf]if` nfef+z ;lds/0f sf]if6 cGo :jtGq sf]ifx?

36fpg] Ms Voflt jfktsf] /sdv :yug s/ ;DklQ 11,449 7,854u ckn]vg gul/Psf ljljw ;DklQ3 Ohfhtk|fKt ;+:yfdf ul/Psf] z]o/ nufgLª ljQLo :jfy{ /x]sf] sDkgLdf /x]sf] nufgLr ;Ldf eGbf a9L nufgL5 k|Tofe"lt (Underwriting) cGtu{t ul/Psf] nufgLh kf/:kl/s qm; xf]lN8Ëem k|of]udf gcfPsf] tyf l;df eGbf a9L vl/b u/]sf] 3/h uf` cGo

Pillar ll cGtu{tsf] ;dfof]hg

36fpg] M ^=$ -s_ -!_ cg';f/ ckof{Kt Joj:yf36fpg] M ^=$ -s_ -@_ cGtu{t ;DalGwt kIfnfO{ tyf lgif]lwt If]qdf k|jflxt shf{ ;'ljwfk'/s k'“hL (Tier II) 2,05,119 1,55,618

s So'Do'n]l6e / l/l8d]jn lk|km/]G; z]o/v ;'/If0f g/flvPsf] ;xfos cfjlws C0fu xfOla|8 k'“hL pks/0fx?3 c;n shf{ gf]S;fgL Joj:yf 1,91,262 1,45,571 ª ;6xL ;lds/0f sf]if 1,235 644 r nufgL ;dfof]hg sf]if5 ;DklQ k'gd"{NofÍg sf]ifh cGo sf]if 12,622 9,404

c= :yug s/ sf]if 11,449 7,854cf= k'“hLut hu]8f sf]if -:yL/ ;DklQaf6 k|fKt :yug cfo_ 1,172 1,550s"n k'“hLsf]if (Tire I & Tier II) 32,54,691 28,80,410

!=# k'“hLsf]if cg'kftk|fylds k'“hL÷s"n hf]lvd efl/t ;DklQ (Tier I) 13.98% 15.15%

k'“hLsf]if÷s"n hf]lvd efl/t ;DklQ (Tier I & Tier II) 14.92% 16.02%

cg';"rL — $=#) -s!_ /sd ? xhf/df

54 d]/f] a}+s – d]uf a}+s

shf{ hf]lvd#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

qm=;+= ;DklQ @)&@ cfiff9 d;fGt;Ddhf]lvd

efl/t /sdxª_

ut jif{sf]

jf;nft leqsf] sf/f]af/ lstfaL

d"No -s_

ljz]if

Joj:yf -v_

u0fgf

ug{ ;lsg]CRM-u_

v"b /sd

-s–v–u_

hf]lvd

-ª_

v"b /sd

hf]lvdefl/t/sd

! gub df}Hbft 5,39,386 - - 5,39,386 ) - 4,38,654 -

@ g]kfn /fi6« a}+sdf /x]sf] df}Hbft 22,03,294 - - 22,03,294 ) - 11,54,356 -

# ;'g - - - - ) - - -

$ g]kfn ;/sf/sf] C0fkqdf nufgL 9,80,260 - - 9,80,260 ) - 21,87,648

% g]kfn ;/sf/ pk/sf] ;Dk"0f{ bfjL - - - - ) - - -

^ g]kfn /fi6« a+}s C0fkqdf ul/Psf] nufgL - - - - ) - - -

& g]kfn /fi6« a+}s pk/sf] ;Dk"0f{ bfjL 3,00,004 - - 3,00,004 ) - - -

* ljb]zL ;/sf/ tyf s]Gb|Lo a+}s pk/sf] bfjL (ECA Rating 0-1) - - - - ) - - -

( ljb]zL ;/sf/ tyf s]Gb|Lo a+}s pk/sf] bfjL (ECA Rating -2) - - - - @) - - -

!) ljb]zL ;/sf/ tyf s]Gb|Lo a+}s pk/sf] bfjL (ECA Rating -3) - - - - %) - - -

!! ljb]zL ;/sf/ tyf s]Gb|Lo a+}s pk/sf] bfjL (ECA Rating 4-6) - - - - !)) - - -

!@ ljb]zL ;/sf/ tyf s]Gb|Lo a+}s pk/sf] bfjL (ECA Rating-7) - - - - !%) - - -

!# BIS, IMF, ECB, EC / ax'klIfo ljsf; a+}sx? pk/sf] bfjL - - - - ) - - -

!$ cGo ax'klIfo ljsf; a+}sx? pk/sf] bfjL - - - - !)) - - -

!% ;fj{hlgs ;+:yf pk/sf] bfjL (ECA Rating 0-1) - - - - @) - - -

!^ ;fj{hlgs ;+:yf pk/sf] bfjL (ECA Rating -2) - - - - %) - - -

!& ;fj{hlgs ;+:yf pk/sf] bfjL (ECA Rating 3-6) - - - - !)) - - -

!* ;fj{hlgs ;+:yf pk/sf] bfjL (ECA Rating-7) 1,69,423 - - 1,69,423 !%) 2,54,135 2,96,600 4,44,900

!( tf]lsPsf] k'“hLsf]if sfod ug]{ :jb]zL a+}s pk/sf] bfjL 4,35,008 - - 4,35,008 @) 87,002 5,26,132 1,05,226

@) tf]lsPsf] k'“hLsf]if sfod gug]{ :jb]zL a+}s pk/sf] bfjL 8,407 - - 8,407 !)) 8,407 1,89,133 1,89,133

@! ljb]zL a+}s pk/sf] bfjL (ECA Rating 0-1) 11,38,656 - - 11,38,656 @) 2,27,731 6,91,805 1,38,361

@@ ljb]zL a+}s pk/sf] bfjL (ECA Rating -2) 18,273 - - 18,273 %) 9,137 9,508 4,754

@# ljb]zL a+}s pk/sf] bfjL (ECA Rating 3-6) - - - - !)) - - -

@$ ljb]zL a+}s pk/sf] bfjL (ECA Rating -7) - - - - !%) - - -

@%tf]lsPsf] k'“hLsf]ifdf ! k|ltzt eGbf al9n] k'“hLsf]if sfod ug]{ SAARC If]qleq :yfkgf ePsf ljb]zL a}+s pk/sf] bfjL

8,04,689 - - 8,04,689 @) 1,60,938 1,93,402 38,680

@^ :jb]zL ;+3 ;+:yf pk/sf] bfjL 1,16,61,803 - - 1,16,61,803 !)) 1,16,61,803 95,66,248 95,66,248

@& ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA Rating 0-1) - - - - @) - - -

@* ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA Rating -2) - - - - %) - - -

@( ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA Rating 3-6) - - - - !)) - - -

#) ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA Rating -7) - - - - !%) - - -

#!pkef] o tyf ;fgf shf{ (Regulatory Retail Portfolio) -efvf ggf3]sf]_

35,11,487 - 25,339 34,86,148 &% 26,14,611 30,35,045 22,76,284

#@u|fg'nfl/6L ;Ldf afx]s cGo zt{ kfngf u/]sf] pkef] o tyf ;fgf

shf{ (Regulatory Retail Portfolio except for Granularity)- - - - !)) - - -

## cfjf;Lo 3/h ufaf6 ;'/lIft bfjL 6,98,432 - - 6,98,432 ^) 4,19,059 4,34,625 2,60,775

#$ cfjf;Lo 3/h ufaf6 k"0f{ ;'/lIft gePsf] bfjL - - - !%) -

#% cfjf;Lo 3/h ufaf6 ;'/lIft bfjL -efvf gf3]sf]_ 3,297 - - 3,297 !)) 3,297

#^ Jofkfl/s 3/h ufaf6 ;'/lIft bfjL 2,02,082 - - 2,02,082 !)) 2,02,082 77,045 77,045

#&e'QmfgL cjlw ;dfKt eO{;s]sf] bfjL

-cfjf;Lo 3/h ufaf6 ;'/lIft bfjL jfx]s_3,68,013 2,63,391 - 1,04,622 !%) 1,56,933 1,48,844 2,23,266

#* pRr hf]lvdo'Qm bfjL 10,60,676 - - 10,60,676 !%) 15,91,014 8,74,817 13,12,225

#(:6s PS;r]Ghdf ;"rLs[t sDkgLsf] z]o/ / cGo k'“hLut pks/0fdf ePsf] nufgL

- - - - !)) - - -

$):6s PS;r]Ghdf ;"rLs[t gePsf] sDkgLsf] z]o/ / cGo k'“hLut pks/0fdf ePsf] nufgL

- - - - !%) - - -

$! cfjf;Lo 3/h ufaf6 ;'/lIft sd{rf/L shf{ 1,21,194 - - 1,21,194 ^) 72,716 1,04,137 62,482

$@ k|fKt x'g'kg]{ Aofh÷g]kfn ;/sf/sf] lwtf]kqdf bfjL 1,687 - - 1,687 ) - 1,087

cg';"rL — $=#) -v_ /sd ?= xhf/df


shf{ hf]lvd#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

qm=;+= jf;nft leqsf] sf/f]af/

@)&@ cfiff9 d;fGt;Ddhf]lvd

efl/t /sdxª_

ut jif{sf]

lstfaL

d"No -s_

ljz]if

Joj:yf -v_

u0fgf

ug{ ;lsg]CRM-u_

v"b /sd

-s–v–u_

hf]lvd

-ª_

v"b /sd

hf]lvdefl/t/sd

$# dfu{:y gub tyf e'QmfgL k|fKt x'g] qmddf /x]sf] cGo gub ;DklQ - - - - 20 - - -

$$ cGo ;DklQ 17,93,838 9,11,294 8,82,544 100 8,82,544 7,47,020 7,47,020

hDdf 2,60,19,908 11,74,685 25,339 2,48,19,884 1,83,51,408 2,06,76,106 1,54,46,400

jf;nft aflx/sf] sf/f]af/! h'g;'s} a]nf lkmtf{ lng ;lsg] k|ltj4tf - - - - 0 - - -

@ laN; sn]S;g 1,741 - - 1,741 0 - 8,328 -

# clu|d ljlgdo ;Demf}tf 10,07,843 - - 10,07,843 10 1,00,784 5,89,523 58,952

$ ^ dlxgf eGbf sd cjlwsf] k|ltt–kq :jb]zL sf/f]af/ kIf 6,15,267 - 39,615 5,75,652 20 1,15,130 6,84,127 1,36,825

ljb]zL sf/f]af/ kIf (counter party) (ECA 0-1) - - - - 20 - - -

ljb]zL sf/f]af/ kIf (counter party) (ECA -2) - - - - 50 - - -



% ^ dlxgf eGbf a9L cjlwsf] k|ltt–kq :jb]zL sf/f]af/ kIf 41,535 - 7,185 34,351 50 17,175 42,694 21,347

ljb]zL sf/f]af/ kIf (counter party) (ECA 0 -1) - - - - 20 - - -




^ la8 a08, k/km/d]G; a08, sfp06/ of/]G6L :jb]zL sf/f]af/ kIf 3,91,721 - 57,135 3,34,586 50 1,67,293 2,85,752 1,42,876



ljb]zL sf/f]af/ kIf (counter party) (ECA 3-6) 1,601 - - 1,601 100 1,601 - -


& k|Tofe"lt (Underwriting) ;DaGwL k|ltj4tf - - - - 50 - - -

* a}+saf6 ;'/If0fsf] ?kdf k|bfg ul/Psf hdfgtx? (Lending of Bank’s securities or posting of securities as collateral)

- - - - 100 - - -

( k'gM vl/b ;Demf}tf cGtu{tsf] shf{ - - - - 100 - - -

!) clu|d e'QmfgL hdfgt 11,452 - 406 11,046 100 11,046 49,196 49,196

!! ljQLo hdfgt 2,49,420 - - 2,49,420 100 2,49,420 1,47,250 1,47,250

!@ :jLsf/ tyf b/lk7 (Acceptance and Endorsements) 1,71,604 - 12,359 1,59,245 100 1,59,245 1,00,561 1,00,561

!#e'QmfgL gul/Psf] efu tyf cf+lzs e'QmfgL ul/Psf] z]o/ tyf ;'/If0f (Unpaid portion of partly paid shares and securities)

- - - - 100 - - -

!$ ckl/jTo{ shf{ k|ltj4tf 5f]6f] cjlw 9,42,173 - - 9,42,173 20 1,88,435 7,48,570 1,49,714

!% ckl/jTo{ shf{ k|ltj4tf nfdf] cjlw - - - - 50 - - -

!^tf]lsPsf] k'“hLsf]ifdf ! k|ltzt eGbf a9Ln] k'“hLsf]if sfod ug{{ SAARC If]]qleq :yfkgf ePsf ljb]zL a}+s pk/sf] bfjL

- - - - 20 - - -

!& cGo ;Defljt bfloTjx? 9,922 - - 9,922 100 9,922 - -

!* e'QmfgLsf] nflu bfjL k/]sf hdfgt jfktsf] ;+efljt bfloTj - - - - 200 - - -

hDdf 34,44,278 - 1,16,699 33,27,578 - 10,20,051 26,56,001 8,06,721

s"n shf{ hf]lvd 2,94,64,186 11,74,685 1,42,038 2,81,47,463 - 1,93,71,459 2,33,32,107 1,62,53,121

Pillar ll cGtu{tsf] ;dfof]hg - - - - - - - -

hf]8 M ^=$ -s_ -#_ cGtu{t k|lt u|fxs shf{ tyf ;'ljwf;LdfeGbf a9L k|jflxt shf{ tyf ;'ljwfsf] !) k|ltzt

- - - - - - - -

hf]8 M ^=$ -s_ -$_ cGtu{t k'gM :jLsf/ x'g]u/L laqmL ul/Psf shf{x?sf] ! k|ltzt

- - - - - - - -

s"n shf{ hf]lvd -Pillar II cGtu{tsf] ;dfof]hg kl5_ 2,94,64,186 11,74,685 1,42,038 2,81,47,463 1,93,71,459 2,33,32,107 1,62,53,121

qmdz======cg';"rL — $=#) -v_

/sd ?= xhf/df

56 d]/f] a}+s – d]uf a}+s

Credit Risk Mitigation (CRM) sf] nflu of]Uo /sd#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

jf;nft leqsf] sf/f]af/

cfkm\gf] a}+sdf /x]sf] lgIf]k

cGo a}+sdf /x]sf] lgIf]k

;'g ;/sf/ tyf g]kfn /fi6«

a}+s ;'/If0fkq

g]kfn ;/sf/sf]

hdfgt

cGo b]zsf]

;/sf/sf] hdfgt

:jb]zLa}+ssf] hdfgt

ljb]zL ax'klIfo ljsf;

a}+sx?sf] hdfgt

ljb]zL a}+ssf] hdfgt

hDdf

gub df}Hbftg]kfn /fi6« a}+sdf /x]sf] df}Hbft;'gg]kfn ;/sf/sf] C0fkqdf u/]sf] nufgLg]kfn ;/sf/ pk/sf] ;Dk"0f{ bfjLg]kfn /fi6« a}+s C0fkqdf ul/Psf] nufgLg]kfn /fi6« a}+s pk/sf] ;Dk"0f{ bfjLljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating 0-1)ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating -2)ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating -3)ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating 4-6)ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating -7)BIS, IMF, ECB,EC / ax'klIfo ljsf; a}+sx? pk/sf] bfjLcGo ax'klIfo ljsf; a}+sx? pk/sf] bfjL;fj{hlgs ;+:yf pk/sf] bfjL (ECA rating 0-1);fj{hlgs ;+:yf pk/sf] bfjL (ECA rating -2);fj{hlgs ;+:yf pk/sf] bfjL (ECA rating 3-6);fj{hlgs ;+:yf pk/sf] bfjL (ECA rating -7)tf]lsPsf] k'“hLsf]if sfod ug]{ :jb]zL a}+s pk/sf] bfjLtf]lsPsf] k'“hLsf]if sfod gug]{ :jb]zL a}+s pk/sf] bfjLljb]zL a}+s pk/sf] bfjL (ECA Rating 0-1)ljb]zL a}+s pk/sf] bfjL (ECA Rating -2)ljb]zL a}+s pk/sf] bfjL (ECA Rating 3-6)ljb]zL a}+s pk/sf] bfjL (ECA Rating 7)tf]lsPsf] k'“hLsf]ifdf ! k|ltzt eGbf a9Ln] k'“hLsf]if sfod ug]{SAARC If]qleq :yfkgf ePsf ljb]zL a}+s pk/sf] bfjL:jb]zL ;+3 ;+:yfx? pk/sf] bfjLljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA rating 0-1)ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA rating -2)ljb]zL ;+3 ;+:yfx?p k/sf] bfjL (ECA rating 3-6)ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA rating -7)pkef] o tyf ;fgf shf{ (Regulatory Retail Portfolio) efvf

ggf3]sf]25,339 25,339

pkef] o tyf ;fgf shf{ (Regulatory Retail Portfolio) efvf gf3]sf]u|fg'nfl/6L ;Ldf afx]s cGo zt{ kfngf u/]sf] pkef] o tyf

;fgf shf{ (Regulatory Retail Portfolio except Granularity)cfjfl;o 3/h ufaf6 ;'/lIft bfjLcfjf;Lo 3/h ufaf6 k"0f{ ;'/lIft gePsf] bfjLcfjf;Lo 3/h ufaf6 ;'/lIft bfjL -efvf gf3]sf]_Jofkfl/s 3/h ufaf6 ;'/lIft bfjLe'QmfgL cjlw ;dfKt eO{;s]sf] bfjL -cfjf;Lo

3/h ufaf6 ;'/lIft bfjL afx]s_pRr hf]lvdo'Qm bfjL:6s PS;r]Ghdf ;"rLs[t sDkgLsf] z]o/ /

cGo k'“hLut pks/0fdf ePsf] nufgL:6s PS;r]Ghdf ;"rLs[t gePsf] sDkgLsf] z]o/

/ cGo k'“hLut pks/0fdf ePsf] nufgLcGo ;DklQhDdf -s_ 25,339 25,339

cg';"rL — $=#) -u_ /sd ?= xhf/df


Credit Risk Mitigation (CRM) sf] nflu of]Uo /sd#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

jf;nft aflx/sf] sf/f]af/

cfkm\gf] a}+sdf /x]sf]

lgIf]k

cGo a}+sdf /x]sf] lgIf]k

;'g ;/sf/ tyf

g]kfn /fi6« a}+s

;'/If0fkq

g]kfn ;/sf/sf]

hdfgt

cGo b]zsf]

;/sf/sf] hdfgt

:jb]zLa}+ssf] hdfgt

ljb]zL ax'klIfo ljsf;

a}+sx?sf] hdfgt

ljb]zL a}+ssf] hdfgt

hDdf

h'g;'s} a]nf lkmtf{ lng ;lsg] k|ltj4tflaN; sn]S;gclu|d ljlgdo ;Demf}tf^ dlxgf eGbf sd cjlwsf] k|ltt–kq :jb]zL sf/f]af/ kIf 39,615 39,615ljb]zL sf/f]af/ kIf (counter party) (ECA 0-1)ljb]zL sf/f]af/ kIf (counter party) (ECA -2)ljb]zL sf/f]af/ kIf (counter party) (ECA 3-6)ljb]zL sf/f]af/ kIf (counter party) (ECA -7)^ dlxgf eGbf a9L cjlwsf] k|ltt–kq :jb]zL sf/f]af/ kIf 7,185 7,185ljb]zL sf/f]af/ kIf (counter party) (ECA 0-1)ljb]zL sf/f]af/ kIf (counter party) (ECA -2)ljb]zL sf/f]af/ kIf (counter party) (ECA 3-6)ljb]zL sf/f]af/ kIf (counter party) (ECA -7)la8 a08, k/km/d]G; a08, sfp06/ of/]G6L :jb]zL sf/f]af/ kIf 57,135 57,135ljb]zL sf/f]af/ kIf (counter party) (ECA 0-1)ljb]zL sf/f]af/ kIf (counter party) (ECA -2)ljb]zL sf/f]af/ kIf (counter party) (ECA 3-6)ljb]zL sf/f]af/ kIf (counter party) (ECA -7)bfjL k/]sf] tyf e'QmfgL gul/Psf] hdfgtk|Tofe"lt (Underwriting Commitments) ;DaGwL k|ltj4tfa}+saf6 ;'/If0fsf] ?kdf k|bfg ul/Psf hdfgtx? (Lending ofBank's Securities or Posting of securities as collateral)k'gM vl/b ;Demf}tf cGtu{tsf] shf{clu|d e'QmfgL hdfgt 406 406ljQLo hdfgt:jLsf/ tyf b/lk7 (Acceptance and Endorsements) 12,359 12,359e'QmfgL gul/Psf] efu tyf cf+lzs e'QmfgL ul/Psf] z]o/ tyf ;'/If0f(Unpaid portion of Partly paid shares and Securities)ckl/jTo{ shf{ k|ltj4tf 5f]6f] cjlwckl/jTo{ shf{ k|ltj4tf nfdf] cjlwtf]lsPsf] k'“hLsf]ifdf ! k|ltzt eGbf a9Ln] k'“hLsf]if sfod ug]{SAARC If]]qleq :yfkgf ePsf ljb]zL a}+spk/sf] bfjLcGo ;Defljt bfloTjx?hDdf 1,16,699 1,16,699

s"n shf{ hf]lvd -s±v_ 1,42,038 1,42,038

qmdz======cg';"rL — $=#) -u_

/sd ?= xhf/df

58 d]/f] a}+s – d]uf a}+s

;~rfng hf]lvd#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

ljj/0f@)&@ cfiff9 d;fGtsf] cl3Nnf jif{x?

o; jif{ ut jif{@)&)÷&! @)^(÷&) @)^*÷^(

v"b Aofh cfDbfgL 8,21,223 6,79,650 3,90,584 4,37,897

sldzg tyf l8:sfp06 26,811 24,397 17,808 16,271

cGo ;~rfng cfDbfgL 81,976 40,751 34,372 37,950

;6xL 36a9 cfDbfgL 95,288 59,456 27,649 27,739

o; jif{sf] yk Aofh d'NtjL lx;fa 26,225 47,193 16,658 23,360

s"n cfDbfgL -s_ 10,51,523 8,51,447 4,87,071 5,43,216

tf]lsPsf] k|ltzt -v_ 15% 15% 15% 15%

tf]lsPsf] k|ltztn] x'g] s"n cfDbfgL -u_ -s_ x -v_ 1,57,728 1,27,717 73,061 1,19,502 81,482

;~rfng hf]lvdsf] nflu cfjZos k'“hL -3_ -u_ sf] cf}ift 1,19,502 81,482

hf]lvd ef/ (Reciprocal of capital requirement of 10%) -ª_ 10 10

;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -r_ -3_ x -ª_ 11,95,020 8,14,824

Pillar ll cGtu{tsf] ;dfof]hg

s"n shf{ tyf nufgL -ljz]if Joj:yfsf] ;dfof]hg kl5_ -

;~rfng hf]lvdsf] nflu cfjZos k'“hL -% _ -

hf]lvd ef/ (Reciprocal of capital requirement of 10%) -5_ -

;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -h_ -r_ ± -5_ 11,95,020 8,14,824

ahf/ hf]lvd#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

qm=;+= ljj/0f

@)&@ cfiff9 d;fGt ;Ddljb]zL d'b|fsf]

;fGble{s v"b

cj:yf -g]=?=_

@)&! cfiff9 d;fGt

ljb]zL d'b|fsf]

;fGble{s v"b

cj:yf -g]=?=_

ljb]zL d'b|fsf]

v"b cj:yf

-lj=d"=_

ljb]zL d'b|fsf]

k'gd"{Nof°g

b/

ljb]zL d'b|fsf]

v"b cj:yf

-g]=?=_! cd]l/sL 8n/ (1,073) 101.58 (1,08,996) 1,08,996 88,866 @ kfpG8 :6ln{ª (161) 158.57 (25,550) 25,550 78,335 # o'/f] 231 110.74 25,625 25,625 30,142 $ Sofg]l8og 8n/ 4 78.55 302 302 54 % c:6]«lnog 8n/ 1 74.97 67 67 13 ^ hfkfgL og 21,299 0.82 17,467 17,467 3,110 & l:j; k|}mÍ - 106.31 - - - * lrlgof o'cfg 3 16.36 50 50 0 ( 8]lg; qmf]g/ - 14.84 - - -

!) xªsË 8n/ 2 13.11 21 21 - !! ef/tLo ?k}of“ 6,47,953 1.60 10,37,210 10,37,210 5,84,439 !@ stf/L l/ofn 5 27.90 143 143 14 !# ;fpbL c/a l/ofn 14 27.09 368 368 149 !$ l;Ëfk'/ 8n/ 16 74.33 1,214 1,214 5,903 !% l:jl8; qmf]g/ - 11.92 - - - !^ ;+o'Qm c/a Old/]6 lb/fd 4 27.66 119 119 31 !& dn]l;og l/lË6 3 26.69 88 88 44 !* yfO{ ef6 2 2.97 5 5 31 !( sf]l/og jf]g 200 0.09 18 18 -

Total Open Position -s_ 6,68,502 12,17,242 7,91,131 tf]lsPsf] k|ltzt -v_ 5% 5%ahf/ hf]lvdsf] nflu cfjZos k'“hL -u_ -s_ x -v_ 60,862 39,557 hf]lvd ef/ (Reciprocal of capital requirement) -3_-!))÷!)_ 10.00 10.00

ahf/ hf]lvdsf] nflu hf]lvd efl/t /sd -ª_ -u_ x -3_ 6,08,621 3,95,565

cg';"rL — $=#) -3_ /sd ?= xhf/df

cg';"rL — $=#) -ª_ /sd ?= xhf/df


k|d'v ;"rsf°x?qm=;+= ljj/0f ;"rsf° cf=j=@)^&÷^* cf=j=@)^*÷^( cf=j=@)^(÷&) cf=j=@)&)÷&! cf=j=@)&!÷&@

! v"b gfkmf÷s"n cfDbfgL k|ltzt k|ltzt 8.54 15.25 22.04 29.75 30.39

@ k|lt z]o/ cfDbfgL ?= 1.49 4.41 7.61 13.11 13.27

# k|lt z]o/ ahf/ d"No ?= - - - 449.00 395.00

$ d"No cfDbfgL cg'kft (PE Ratio) cg'kft - - - 34.24 29.77

% z]o/ k'“hLdf nfef+z -af]g; ;lxt_ k|ltzt - - 9.00 12.63 10.53

^ z]o/ k'“hLdf gub nfef+z k|ltzt - - 9.00 0.63 0.53

& Aofh cfDbfgL÷shf{ tyf ;fk6 k|ltzt 14.59 13.84 11.96 11.04 9.55

* sd{rf/L vr{÷s"n ;~rfng vr{ k|ltzt 41.00 38.76 36.63 40.12 40.51

( s"n lgIf]k tyf ;fk6Ldf Aofh vr{ k|ltzt 10.26 8.49 5.49 4.94 4.25

!) ;6xL 36a9 cfDbfgL÷s"n cfDbfgL k|ltzt 2.62 5.87 9.28 9.28 8.98

!! sd{rf/L af]g;÷s"n sd{rf/L vr{ k|ltzt 4.27 9.11 18.54 26.10 26.71

!@ v"b gfkmf÷shf{ ;fk6 k|ltzt 0.79 0.96 1.64 2.17 1.95

!# v"b gfkmf÷s"n ;DklQ k|ltzt 0.51 0.66 1.16 1.56 1.38

!$ s"n shf{÷lgIf]k k|ltzt 89.63 87.55 93.58 86.78 85.17

!% s"n ;~rfng vr{÷s"n ;DklQ k|ltzt 4.18 2.68 2.44 2.13 1.83

!^ hf]lvd efl/t ;DklQdf k'“hLsf]ifsf]

kof{Kttf

k|fylds k'“hL k|ltzt 18.83 18.24 17.24 15.15 13.98

k'/s k'“hL k|ltzt 0.53 0.85 0.82 0.87 0.94

s"n k'“hLsf]if k|ltzt 19.36 19.09 18.06 16.02 14.92

!& t/ntf (CRR) k|ltzt 5.18 13.65 14.34 6.94 11.14

!* lgliqmo shf{÷s"n shf{ k|ltzt - 0.49 2.17 2.18 1.75

!( cfwf/ b/ k|ltzt - - 10.33 8.97 8.48

@) Aofh b/ cGt/ k|ltzt 2.84 3.31 4.72 4.32 3.62

@! a's g]6jYf{{ ?= 1,71,17,98,053 1,78,47,66,699 2,45,03,22,149 2,74,11,43,730 3,07,37,05,102

@@ s"n z]o/ ;+Vof 16,310,000 1,63,10,000 2,33,00,000 2,33,00,000 2,60,96,000

@# k|lt z]o/ g]6jy{ ?= 104.95 109.43 105.16 117.65 117.78

@$ s"n :yfoL sd{rf/L ;+Vof 103 161 235 290 319

cg';"rL — $=#!

60 d]/f] a}+s – d]uf a}+s

!= ;fdfGo hfgsf/Lsf7df08f} dxfgu/kflnsf jf8{ g+= ! sflGtky l:yt /lhi68{

sfof{no /x]sf] d]uf a}+s g]kfn lnld6]8 ;Lldt bfloTj

/x]sf] a}+lsË sf/f]af/ ug]{ g]kfnL sDkgL xf] . of] a}+s sDkgL

/lhi6«f/sf] sfof{nodf @)^& j}zfv % ut] btf{ ePsf] tyf

a}+lsË sf/f]af/ ;~rfng ug{ …sÚ ju{sf] ljQLo ;+:yfsf]

?kdf g]kfn /fi6« a}+saf6 @)^& >fj0f $ ut] :jLs[lt

kfPsf] ;+:yf xf] . a}+sn] @)^& >fj0f & ut] b]lv sf/f]af/

k|f/De u/]sf] xf] . a}+ssf] k|d'v ultljlwx?df a}+ssf] k|wfg

sfof{no, zfvf sfof{no, Pl6Pd tyf zfvf/lxt a}+lsË

s]Gb|x?sf] dfWodaf6 cfkm\gf u|fxsx?nfO{ Ph]G;L ;]jf,

6««]8 kmfOgfG; ;]jf, O{sd;{ ;]jf, ;'g÷rf“bL Jofkf/ nufot

;Dk"0f{ jfl0fHo a}+lsË ;]jfx? k|bfg ug]{ /x]sf 5g\ . a}+ssf]

;~rfns ;ldltn] ldlt @)&@ d+l;/ @! ut] o;} ;fy

;+n g ljQLo ljj/0fx? :jLs[t ug'{sf ;fy} a}+ssf] ljQLo

ljj/0fx? tof/ kfg]{ lhDd]jf/L ;d]t :jLsf/ u/]sf] 5 .

@= cg'kfngf ;DaGwL k|ltj4tfpNn]v ul/Psf ckjfbx? afx]s ljQLo ljj/0fx? g]kfn n]vfdfg, a}+s tyf ljQLo ;+:yf ;DaGwL P]g @)^#, g]kfn /fi6« a}+ssf] lgb]{zg, sDkgL P]g @)^# tyf ;fGble{s k|rngx?nfO{ cfwf/ dfgL tof/ kfl/Psf 5g\ .

#= n]vf°gsf] cfwf/ljb]zL d'b|f afx]ssf ljQLo ljj/0fx? P]ltxfl;s nfutsf] cfwf/df tof/ kfl/Psf 5g\ eg] ljj/0fx? lgs6td g]kfnL ?k}of“df kl/jt{g u/L k|:t't ul/Psf 5g\ . g]kfn n]vfdfg cg'?k ljQLo ljj/0f tof/ kfbf{ s]xL dxTjk"0f{ n]vf cg'dfg ug'{kg]{ ePsf] tyf n]vf gLltx? nfu" ug]{ qmddf Joj:yfkgn] :jljj]ssf] klg k|of]u ug'{kg]{ ePsf]n] ;f]xL cg'?k ul/Psf] 5 . o;/L ul/Psf cg'dfgx? eljiodf km/s k/]sf] v08df ;f]xL ;dosf] ljQLo ljj/0fdf n]vfÍg ul/g] 5 .

$= k|d'v n]vf gLltx?a}+ssf] ljQLo ljj/0fx? tof/ ug{ lgDg adf]lhdsf k|d'v n]vf gLltx? ckgfOPsf 5g\ . pNn]lvt ckjfbx? afx]s oL gLltx?sf] kfngf lg/Gt/ ?kdf ul/“b} cfOPsf] 5 .

$=! cfocfodf Aofh cfDbfgL, kmL tyf sldzg, ljb]zL ljlgdo cfDbfgL, sf8{ cfDbfgL, ;DklQ tyf bfloTjsf] lg;u{af6

k|fKt nfe cflbnfO{ ;dfj]z ul/Psf] 5 . a}+snfO{ cfly{s nfe k|fKt x'g] ;Defjgf Pj+ ljZj;gLotfsf ;fy dfkg ug{ ;lsg] cfwf/ ePsf] cj:yfdf dfq cfonfO{ n]vfÍg ul/Psf] 5 .

s= Aofh cfDbfgL

g]kfn /fi6« a}+ssf] lgb]{zg÷kl/kq adf]lhd shf{ tyf;fk6Ldf cflh{t Aofh cfDbfgLnfO{ gub k|fKtLsf] cfwf/df n]vfÍg ul/Psf] 5 h'g g]kfn n]vfdfgsf] l;4fGt cg'?k 5}g . oBlk k|efjsf/L Aofh u0fgf ljlw adf]lhd kfs]sf] cfwf/df AofhnfO{ cfDbfgLdf n]vfÍg ug]{ g]kfn n]vfdfgsf] l;4fGt eGbf g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd a}+sn] ckgfPsf] ljlw cem ;ÍL0f{ 5 .

nufgL tyf sd{rf/L ;'ljwf of]hgf cGtu{tsf] shf{df cflh{t Aofh cfDbfgLnfO{ kfs]sf] cfwf/df n]vfÍg ul/Psf] 5 .

v= sldzg cfDbfgL

Ps jif{eGbf a9L cjlwsf] a}+s hdfgt jfkt k|fKt x'g]?= ! nfv eGbf a9Lsf] sldzgnfO{ hdfgtsf] cjlwe/ kfs]sf] cfwf/df n]vfÍg ul/Psf] 5 eg] cGosf] xsdf;DalGwt hdfgtkq hf/L u/]s} ;do cfDbfgLdf n]vfÍg ul/Psf] 5 .

u= ljb]zL ljlgdo sf/f]af/ljb]zL d'b|fsf] ;DklQ tyf bfloTjx?nfO{ sf/f]af/sf] ldltdf sfod /x]sf] ljlgdo b/sf] cf}ift -vl/b tyf laqmL_ b/n] g]kfnL ?k}of“df ?kfGt/0f ul/Psf] 5 . ljb]zL d'b|fsf] ;DklQ tyf bfloTjx?nfO{ g]kfnL ?k}of“df ?kfGt/0f ubf{ pTkGg ePsf] v"b km/snfO{ k'g{d"NofÍg cfDbfgL÷gf]S;fgLdf n]vfÍg ul/Psf] 5 . o;/L Ps cfly{s jif{df k|fKt cfDbfgLsf] @% /sdnfO{ gfkmf gf]S;fg af“8kmf“8 lx;faaf6 /sdfGt/ u/L ;6xL 36a9 sf]ifdf ;fg]{ ul/Psf] 5 eg] k'g{d"NofÍg gf]S;fgLnfO{ ;f]em} gfkmf gf]S;fg lx;fadf vr{ n]Vg] ul/Psf] 5 .

ljb]zL d'b|fsf] vl/b b/ / laqmL b/sf] leGgtfaf6 k|fKt cfo÷gf]S;fgLnfO{ b}lgs ?kdf n]vfÍg u/L ;6xL 36a9 cfDbfgL÷gf]S;fgLdf b]vfOPsf] 5 .

$=@= Aofh vr{lgIf]k tyf ;fk6Lsf] Aofh bfloTjnfO{ kfs]sf] cfwf/df n]vfÍg u/L vr{ hgfOPsf] 5 .

k|d'v n]vf gLltx?

cg';"rL — $=#@


$=#= shf{ ;fk6 tyf lan vl/bshf{ ;fk6 tyf lan vl/b zLif{s cGtu{t u|fxsnfO{ k|ToIf ?kdf k|bfg ul/Psf shf{x? kb{5g\ h;dWo] cNksfnLg shf{, cfjlws shf{, xfo/ kr]{h shf{, pkef]Qmf shf{, vl/b tyf l8:sfp06 ul/Psf lanx? / k|fylds tyf ljkGgju{ shf{ kb{5g\ . oL ;DklQx? g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd juL{s/0f ul/Psf 5g\ . jf;nftdf shf{ ;fk6 tyf lan vl/bnfO{ gf]S;fgL Joj:yf kl5sf] v"b /sddf k|:t't ul/Psf] 5 .

$=$= sd{rf/L shf{ tyf k]ZsLa}+ssf] gLlt cg';f/ k|bfg ul/Psf] sd{rf/L shf{ tyf k]ZsL -kfs]sf] Aofh ;d]t_ nfO{ cGo ;DklQ zLif{s cGtu{t n]vfÍg ul/Psf] 5 .

$=%= shf{ gf]S;fgL Joj:yflgl:qmo shf{sf] nflu gf]S;fgL Joj:yf sfod ubf{ Joj:yfkgn] g]kfn /fi6« a}+sn] tf]s]sf] Go"gtd cfjZostfnfO{ Wofgdf /flv ;DalGwt shf{sf] ;Defljt Ifltsf] cfsf/sf] cfwf/df ug]{ u/]sf] 5 . g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd shf{, ;fk6, clwljsif{ tyf lan vl/bnfO{ juL{s/0f u/L ! b]lv !)) ;Dd shf{ gf]S;fgL Joj:yf sfod ul/Psf] 5 .

$=^= shf{ tyf ;fk6Lsf] ckn]vgckn]vgsf] k|s[of lglb{i6 ug]{ a}+ssf] shf{ ckn]vg ljlgodfjnL /x]sf] 5 . c;'nL tkm{sf] a}+ssf] clwsf/df k|lts"n k|efj gkg]{ u/L g]kfn /fi6« a}+ssf] lgb]{lzsfsf] kfngf ub}{ ;f] ljlgodfjnLsf] clwgdf /xL shf{ tyf;fk6Lsf] ckn]vg ug]{ gLlt a}+sn] lnPsf] 5 . ;dLIff jif{df s'g} klg shf{ ckn]vg ul/Psf] 5}g . v/fa shf{ ckn]vg u/] nuQ} Iflt jfkt sfod ul/Psf] Joj:yf k'gn]{vg ul/G5 . ckn]vg ul/Psf shf{x?df e'QmfgL k|fKt ePdf pk/f]Qm adf]lhd k|fKt /sdnfO{ gfkmf gf]S;fg lx;fadf n]vfÍg u/L cfDbfgL hgfOG5 .

$=&= nufgL;'/If0fkqdf ul/Psf] nufgLnfO{ z'? nfut d"Nodf n]vfÍg ul/Psf] 5 . nfut d"Nodf vl/b d"No tyf vl/b;+u cfj¢ cGo nfut ;dfj]z ul/Psf] 5 . nufgLnfO{ Jofkfl/s nufgL (Held for Trading), e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) tyf laqmLsf] nflu pknAw nufgL (Available for Sale) df juL{s/0f u/L g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd n]vfÍg ul/Psf] 5 .

e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) M e'QmfgL ldlt;Dd wf/0f ug]{ ;sf/fTds dg;fo / e'QmfgL ldlt;Dd wf/0f ug{ ;Sg] Ifdtf eO{ ul/Psf nufgLnfO{

Held to Maturity cGtu{t juL{s/0f ul/Psf] 5 . o; lsl;dsf nufgLnfO{ nfut d"No jf ckn]lvt nfutdf d"NofÍg ul/Psf] 5 . Jofkfl/s nufgL (Held for Trading) M cNksfndf d"Nodf x'g] kl/jt{gaf6 gfkmf cfh{g ug]{ p2]Zon] ul/Psf nufgL o; ju{df kb{5g\ .

laqmLsf] nflu pknAw nufgL (Available for Sale) M Jofkfl/s nufgL / e'QmfgL ldlt;Dd wf/0f ug]{ nufgL cGtu{t gkg]{ ;Dk"0f{ nufgLx? o; ju{df kb{5g\ eg] o:tf nufgLx?sf] d"NofÍg k/n d"No jf ahf/ d"No dWo] h'g sd 5 ;f]df ul/Psf] x'G5 . g]kfn /fi6« a}+sn] z]o/df nufgL ug{ ljz]if d~h'/L lbPsf] cj:yfdf afx]s o; ju{df kg]{ cGo nufgLsf] @ /sdn] nufgL ;dfof]hg sf]if >[hgf ul/G5 .

g]kfn lSnol/Ë xfp; lnld6]8sf] z]o/df ul/Psf] nufgL afx]snfO{ a}+ssf] ;Dk"0f{ nufgL e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) cGtu{t juL{s/0f ul/Psf] 5 eg] nufgL] Ps ;d"xaf6 csf]{ ;d"xdf k'gj{uL{s/0f ul/Psf] 5}g . ;Dk"0f{ nufgL g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ k'g/fjnf]sg ug]{ ul/Psf] 5 .

$=*= :yL/ ;DklQ tyf x|f; vr{

n]vf°gM

:yL/ ;DklQsf] nfutnfO{ lgDg cfwf/df ;DklQdf n]vfÍg

ul/Psf] 5M-s_ ;DklQaf6 ;+:yfnfO{ eljiodf k|fKt x'g] cfly{s nfesf]

;Defjgf ePdf-v_ ;DklQsf] d"NonfO{ ljZj;gLotfsf ;fy PsLg ug{

;lsPdf .

x|f;s§LMnfut d"Nodf ;l~rt x|f;s§L s6fP/ :yL/ ;DklQsf] n]vfÍg ul/Psf] 5 . :yL/ ;DklQ vl/b;“u ;DalGwt k|ToIf vr{x? nfut d"Nodf ;dfj]z ul/Psf 5g\ .

;jf/L ;fwg, kmlg{r/, sfof{no pks/0f tyf sDKo'6/ pks/0fx?sf] 36\bf] x|f;s§L b/ k|0ffnL adf]lhd x|f;s§L ul/Psf] 5 / o; cfly{s jif{sf] x|f; vr{nfO{ gfkmf gf]S;fg lx;fadf n]vfÍg ul/Psf] 5 .

;DklQx?sf] pkof]lutfsf] cfwf/df Joj:yfkgn] cfo'sf] cg'dfg u/L lgDg adf]lhd x|f;s§L b/x? lgwf{/0f u/]sf] 5 .

62 d]/f] a}+s – d]uf a}+s

ljj/0f

kmlg{r/ tyf lkmS;r/ @%

;jf/L ;fwg @)

sfof{no pks/0f @%

sDKo'6/ ;fdfu|Lx? @%

cGo l:y/ ;DklQdf !%

ejg %

g]kfn n]vfdfg cg'?k ;DklQnfO{ k|of]u x'g of] o ePsf] ldltb]lv u0fgf ug]{ u/L x|f;s§L vr{ ul/Psf] 5 .

lnhxf]N8 ;DklQnfO{ clwQmd % jif{df kl/zf]wg x'g] u/L n]vfÍg ul/Psf] 5 / cg';"rL @$ sf] ckn]vg vr{ lzif{sdf b]lvOPsf] 5 .

Ps jif{ eGbf sd pkof]uL cfo' ePsf / ?= !),))) eGbf sd df]n ePsf j:t'x?nfO{ vl/b ul/Ps} jif{df vr{ hgfOPsf] 5 . t/ lgoGq0fsf] dg;fon] k'“hLut k|s[ltsf ?=#,))) eGbf a9L df]n ePsf Non Consumable crn j:t'nfO{ pkof]uL cfo'sf] cfwf/df :yL/ ;DklQ lzif{sdf n]vfÍg ul/Psf]] 5 .

7]s]bf/x?nfO{ k|bfg ul/Psf] k]ZsL e'QmfgL tyf k|of]udf gcfO{;s]sf ;DklQx?nfO{ Capital Work In Progress

lzif{s cGtu{t n]vfÍg ul/Psf] 5 .

a}+sn] ;km\6j]o/nfO{ vl/b u/]sf] % jif{df kl/zf]wg ug]{ u/L n]vfÍg u/]sf] 5 eg] nfO{;]G; k|fKt u/]sf] cj:yfdf nfO{;]G; cjlw leq kl/zf]wg ug]{ u/L n]vfÍg u/]sf] 5 .

$=(= ‘;Ifd PS;]; 6' kmfOgfG;’ sfo{qmdaf6 k|fKt cg'bfg dWo tyf ;'b"/klZrdsf s]xL lhNnfx?df gljgtd Pj+ ;/n ljQLo ;]jfx? k|bfg ug]{ p2]Zon] a}+sn] cGt/f{li6«o bfqL ;+:yf l8=Pkm=cfO{=8L= g]kfnsf] nflu 'The Louis Berger Group, Inc.' n] sfof{Gjog u/]sf] sfo{qmd …;Ifd PS;]; 6' kmfOgfG;Ú ;“u ;Demf}tf u/]sf] 5 h; cGtu{t a}+snfO{ ljQLo cg'bfg k|fKt ePsf] 5 . o;/L k|fKt :yL/ ;DklQ tyf vr{sf] ;f]wegf{ g]kfn n]vfdfg–!) -NAS-10_ adf]lhd n]vfÍg ul/Psf] 5 . :yL/ ;DklQ vl/bsf] ;f]wegf{nfO{ :yL/ ;DklQsf] Carrying Amount n] k'“hLut hu]8f sf]if v8f u/L n]vfÍg ul/Psf] 5 .

$=!)= k§fa}+s s'g} ljQLo k§fdf ;+n g 5}g . a}+sn] sfof{no ejgsf] lgldQ u/]sf] s/f/ ;~rfng k§f xf] / ;DalGwt k|of]hgsf] e'QmfgLnfO{ cGo ;~rfng vr{ cGtu{tsf] 3/ef8f lzif{sdf

n]vfÍg ul/Psf] 5 .

$=!!= cjsfz ;'ljwfsd{rf/Lx?nfO{ k|bfg ul/g] pkbfg tyf ;~ro sf]ifdf a}+ssf] of]ubfg bfloTjnfO{ a}+ssf] gLlt adf]lhd kfs]sf] cfwf/df n]vfÍg ul/Psf] 5 . ;~ro sf]ifdf hDdf x'g]/sd -sd{rf/L tyf a}+s b'j}sf] of]ubfg_ nfO{ a}+s Joj:yfkg eGbf cn u} :jLs[t cjsfz sf]ifdf hDdf ul/Psf] 5 . a}+sn] @)&@ cfiff9 d;fGt;Dddf ;l~rt ePsf] ljbf jfktsf] bfloTjnfO{ sd{rf/L ;]jf ljlgodfjnLsf] cfwf/df Joj:yf u/L gfkmf gf]S;fg lx;fadf n]vfÍg u/]sf] 5 .

$=!@= cfos/ vr{x?a}+ssf] cfos/ vr{df rfn" cfos/ bfloTj / :yug s/ /x]sf 5g\ .

Rffn" cfos/M rfn" cfos/ bfloTj ;f] jif{sf] s/ of] o

cfodf cfwfl/t 5 . gfkmf gf]S;fg lx;fadf b]vfO{Psf] s/

cl3sf] d'gfkmf tyf s/ of] o cfodf s]xL cfDbfgL tyf

vr{x?sf] kl5Nnf jif{x?df dfq ;[hgf x'g] s/ bfloTj jf

bfloTj ;[hgf x'“b} gx'g] k|s[ltsf sf/0f leGgtf x'g] ub{5 .

cfos/ P]g @)%* tyf ;+zf]lwt lgodx?sf] Joj:yf

adf]lhd Rffn" cfos/sf] Joj:yf ul/Psf] 5 .

:yug cfo s/M g]kfn n]vfdfg – ( -cfos/_ cg';f/

;DklQ tyf bfloTjsf] s/ cfwf/ / ljQLo ljj/0fdf

n]vfÍg ePsf] /sd lar ;[hgf ePsf] c:yfoL km/s

/sddf cfos/ P]g @)%* cg';f/sf] b/df :yug s/sf]

Joj:yf ul/Psf] 5 . :yug s/ u0fgf ubf{ jf;nftsf]

ldltdf nfu" ePsf] s/sf] b/nfO{ cfwf/ dfgL ;DalGwt

:yug s/ ;DklQ tyf bfloTj km5\of}{6 ubf{sf] jvt nfu"

ug{ ;Sg] u/L u0fgf ul/G5 . c:yfoL km/s l:y/ ;DklQdf

x|f;, pkbfg tyf ljbfjfktsf] Joj:yfsf] sf/0fn] ;[hgf

ePsf] 5 .

:yug s/ ;DklQnfO{ eljiodf x'g] s/of] o cfodf bfaL ug{ ;lsg] kof{Kt ljZj;gLo cfwf/ ePdf dfq ;DklQsf]

?kdf n]vfÍg ul/G5 .

;Dk"0f{ s/of] o c:yfoL km/sx?sf] nflu :yug s/ bfloTj sfod ul/G5 .

g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd s"n :yug s/ ;DklQ a/fa/sf] /sdnfO{ gfkmf gf]S;fg af“8kmf“8 lx;faaf6

:yug s/ sf]ifdf /sdfGt/ ul/Psf] 5 .


$=!#= d;nGbd;nGb df}HbftnfO{ k/n df]ndf n]vfÍg ul/Psf] 5 / FIFO cfwf/df pkef]u u/L vr{ hgfOPsf] 5 . jf;nft ldltdf d;nGb df}HbftnfO{ k/n df]n jf k|fKt ug{ ;lsg] v"b d"No dWo]sf] sd d"Nodf dfkg ul/G5 .

$=!$= k|]lift dfn;fdfg cGtu{t ;'g rf“bL df}Hbftk]|lift dfn;fdfg sf/f]af/ cGtu{t a}+sn] ax'd"No wft'x? cfk\mgf] clwgdf wf/0f ub{5 . pQm ;DklQ;“u ;DalGwt hf]lvd tyf k|ltkmnx? k|]ifs;“u lglxt /xG5 . o;};“u ;DalGwt jSof}tf /sdnfO{ cg';"rL $=!^ df k|:t't ul/Psf] 5 .

$=!%= u}/ a}+ls· ;DklQu}/ a}+lsË ;DklQsf] d"NofÍg ubf{ lwtf]sf] k|rlnt ahf/ d"No jf lwtf] ;sf/ ul/g] cl3Nnf] lbg ;Ddsf] ;Dk"0f{ n]gf /sd dWo] h'g sd x'G5 ;f]xLdf ul/G5 . ;sf/ ul/Psf] lwtf]sf] ahf/ d"No s"n n]gf /sd eGbf sd ePsf] v08df sd ePsf] /sd ;sf/ u/]s} cfly{s jif{sf] gfkmf gf]S;fg lx;fadf vr{ n]lvG5 . u}/ a}+lsË ;DklQsf] lg;u{ geP ;Dd zt k|ltzt gf]S;fgL Joj:yf sfod ul/G5 eg] lg;u{ kZrft u}/ a}+lsË ;DklQaf6 x6fO{G5 .

$=!^= sd{rf/L af]g; Joj:yf

sd{rf/L af]g; Joj:yf af]g; P]g, @)#) cg';f/ ul/Psf] 5 .

$=!&= cGo Joj:yf, ;Defljt bfloTj tyf ;Defljt ;DklQ a}+sn] ljutsf] 36gfqmdaf6 pTkGg eP cg';f/ bfloTj lg;u{ ug{sf nflu cfly{s nfe x'g] ;|f]t aflxl/g] ;Defjgf/x]sf] tyf bfloTj dfkg ug{ ;lsg] kof{Kt ljZj;gLo cfwf/ ePsf] cj:yfdf cfjZos Joj:yf ug]{ u/]sf] 5 . o;/L sfod ul/Psf] Joj:yf /sd k|To]s jf;nft ldltdf

cg'udg u/L xfnnfO{ pko'Qm cg'dfg cg';f/ n]vfÍg ug]{ ul/Psf] 5 . bfloTj lg;{usf nflu cfly{s nfe x'g] ;|f]t aflxl/g] ;Defjgf g/x]df sfod ul/Psf] Joj:yf /sdnfO{

;dfof]hg ul/G5 . pNn]lvt afx]s olsg ePsf] ;a};f/e"t bfloTjx?sf] lgldQ cfjZos Joj:yf ul/Psf] 5 tyf eljiodf lglZrt ?kdf bfloTj olsg x'g g;s]sf] t/

;f/e"t bfloTjx?nfO{ ;Defljt bfloTj cGtu{t b]vfOPsf] 5 .

;a} k|tLtkq, a}+s hdfgt tyf km¥jf8{ PS;r]~h sG6«ofS6 jfktsf bfloTjx? g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd

;Defljt bfloTj cGtu{t b]vfOPsf] 5 .

a}+sn] ;Defljt ;DklQsf] n]vfÍg gu/]tf klg 36gfqmdsf]

cg'udg u/L ljQLo ljj/0fdf plrt lrq0f eg] ug]{

u/]sf] 5 .

$=!*= ;DklQsf] Ifo jfktsf] Joj:yf

a}+sn] x/]s k|ltj]bg ldltdf a}+ssf] s'g} ;DklQdf Ifo x'g

;Sg] ;+s]t eP gePsf] cg'udg ug]{ ub{5 . Ifo x'g ;Sg]

;+s]t ePsf] cj:yfdf ;DalGwt ;DklQaf6 c;'n ug{;lsg] /sdsf] cg'dfg ul/G5 . ;DklQsf] lstfaL d"No c;'n ug{ ;lsg] /sd eGbf a9L ePdf ;f] ;DklQsf nflu Ifo gf]S;fgLsf] xb;Dd gfkmf gf]S;fg lx;fadf n]vfÍg ul/G5 .

$=!(= nfef+z tyf k|:tfljt af]g; z]o/a}+sn] ;~rfns ;ldltaf6 k|:tfj u/] adf]lhdsf] k|:tfljt nfef+z tyf af]g; z]o/ g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ ljQLo ljj/0fdf n]vfÍg ug]{ gLlt ckgfPsf] 5 . k|:tfljt nfef+znfO{ jf;nftdf 5'§} bfloTjsf] ?kdf k|:t't ul/Psf] 5 h'g g]kfn n]vfdfg l;4fGtdf ePsf] Joj:yf eGbf leGg 5 .

64 d]/f] a}+s – d]uf a}+s

n]vf ;DaGwL l6Kk0fLx?!= r'Qmf k'“hL;+yfks ;d"x cGtu{t k|lt lsQf ?= !)) clÍt d"Nosf

!,*@,^&,@)) lsQf z]o/ tyf ;j{;fwf/0f ;d"x

cGtu{t k|lt lsQf ?= !)) clÍt d"Nosf &*,@*,*))

lsQf z]o/ k"0f{ ?kn] r'Qmf ePsf]n] a}+ssf] r'Qmf k'“hL

?= @,^),(^,)),))) sfod /x]sf] .

@= ;fwf/0f hu]8f sf]ifa}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] Joj:yf adf]lhd o; jif{sf] v"b gfkmfsf] @) n] x'g] ?= ^,(@,%(,@@@ ;fwf/0f hu]8f sf]ifdf ;fl/Psf] 5 . o; kZrft\ a}+ssf] ;fwf/0f hu]8f sf]ifdf s"n /sd ?= !*,%),&^,!(% /x]sf] 5 .

#= k'“hLut hu]8f sf]ifk'“hLut hu]8f sf]ifdf ljleGg ;+:yf tyf lgsfox?af6 :yL/

;DklQ vl/bsf] lgldQ k|fKt cg'bfgsf] lstfaL d"No ?=

!!,&@,$%&÷– /x]sf] 5 h;nfO{ lgDg cg';f/ k|:t't ul/

Psf] 5M?=

ljj/0f /sd

z'? df}Hbft 26,82,960

cf=j= @)&!÷&@ df yk 10,750 s"n cg'bfg k|fKt :yL/ ;DklQ 26,93,710

k'“hLut hu]8faf6 x|f;s§L ul/Psf]

cf=j= @)^*÷^( 74,497

cf=j= @)^(÷&) 4,39,691

cf=j= @)&)÷&! 6,19,122

cf=j= @)&!÷&@ 3,87,943

s"n x|f;s§L 15,21,253k'“hLut hu]8fdf v"b /sd 11,72,457

$= nfef+z tyf af]g; z]o/a}+ssf] ;~rfns ;ldltn] r'Qmf k'“hLsf] !) k|ltzt af]g; z]o/ tyf ;f] sf] s/ k|of]hgsf nflu )=%# k|ltzt gub nfef+z k|:tfj u/]sf] 5 . k|:tfljt af]g; z]o/nfO{ k'“hLdf ;dfj]z ul/Psf] 5 eg] gub nfef+znfO{ k|:tfljt gub nfef+z cGtu{t k|:t't ul/Psf] 5 .

%= k|:tfljt sd{rf/L af]g;;Dk"0f{ sf/f]af/ kl5sf] d'gfkmfaf6 sd{rf/L af]g;

;dfof]hg u/L af“sL /x]sf] /sddf !) k|ltztn] x'g] /sd sd{rf/L af]g; jfkt Joj:yf ul/Psf] 5 .

^= sd{rf/L cfjf; sf]ifa}+ssf] sd{rf/L cfjf; shf{ gLlt adf]lhd a}+ssf sd{rf/Lx?nfO{ cfjf; shf{ k|bfg ul/Psf]n] >d P]gsf] Joj:yf adf]lhd sd{rf/L cfjf; sf]ifsf] lgldQ s'g} Joj:yf ul/Psf] 5}g .

&= shf{ tyf ;fk6s"n shf{, ;fk6L tyf lan vl/b / To;df ul/Psf] Joj:yf lgDgfg';f/ /x]sf] 5 M

ljj/0f hDdf ?=

s"n shf{, ;fk6 tyf lan vl/b 17,99,72,78,456

gf]S;fgL Joj:yf 45,46,53,003

v"b shf{, ;fk6 tyf lan vl/b 17,54,26,25,452

;a} shf{, ;fk6L tyf lan vl/bsf] ;Defljt gf]S;fgL Joj:yf g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd ul/Psf] 5 .

*= z]o/df nufgLa}+sn] g]kfn lSnol/Ë xfp; lnld6]8sf] ?= !)) clÍt d"Nosf @#,)@^ lsQf z]o/df nufgL u/]sf] 5 h;nfO{ Available for Sale cGtu{t juL{s/0f ul/Psf] 5 . oBlk g]kfn /fi6« a}+ssf] 5'6 Joj:yf adf]lhd o;sf] lgldQ nufgL ;dfof]hg sf]if eg] v8f ul/Psf] 5}g .

(= Aofh cfDbfgL tyf Aofh d'NtjLg]kfn /fi6« a}+sn] hf/L u/]sf] PsLs[t lgb]{zg @)&@ sf] Joj:yf adf]lhd a}+sn] @)&@ >fj0f !% ut] ;Dddf k|fKt shf{ tyf ;fk6Lsf] @)&@ cfiff9 d;fGt ;Ddsf] p7\g af“sL AofhnfO{ cfly{s jif{ @)&!÷&@ sf] cfDbfgLdf n]vfÍg u/]sf] 5 . o;/L cfDbfgL hgfOPsf] ?= @,#(,#%,)&) n] shf{ tyf ;fk6Ldf c;'n ug{ af“sL Aofh / Aofh d'NtjL lx;fadf leGgtf sfod u/]sf] 5 h;nfO{ cg';"rL $=!^ df k|:t't ul/Psf] 5 .

cg';"rL — $=##


!)= s"n shf{ tyf ;fk6sf] kl/rfng ?=

ljj/0f @)&!÷&@ @)&)÷&!

shf{ k|jfx 34,40,09,12,287 30,60,82,24,937

shf{ c;'nL 31,29,19,12,060 27,45,60,35,980

shf{ ckn]vg

Aofh ckn]vg

!!= lgIf]kdf kl/jt{g a}+ssf] lgIf]kdf ePsf] kl/jt{g lgDg cg';f/ 5 M ?=

ljj/0f @)&!÷&@ @)&)÷&! kl/jt{g

/sd

rNtL vftf 91,53,52,022 46,51,15,603 45,02,36,419 97

dflh{g vftf 12,99,38,705 12,05,73,028 93,65,677 8

art vftf 6,37,17,15,686 5,87,43,66,115 49,73,49,571 8

d'2tL vftf 7,34,09,32,819 8,23,97,51,955 (89,88,19,136) (11)

sn vftf 6,33,28,52,593 2,43,10,06,815 3,90,18,45,778 161

cGo 3,98,83,300 1,68,35,335 2,30,47,965 137

hDdf lgIf]k 21,13,06,75,125 17,14,76,48,851 3,98,30,26,274 23

!@= shf{ gf]S;fgL Joj:yf tyf Aofh d'NtjLdf kl/jt{g cfly{s jif{ @)&!÷&@ df a}+ssf] shf{ gf]S;fgL Joj:yf tyf Aofh d'NtjLdf ePsf] kl/jt{g lgDg cg';f/

5M ?=

ljj/0f @)&!÷&@ @)&)÷&! kl/jt{g

/sd

shf{ gf]S;fgL Joj:yf 45,46,53,003 38,48,81,663 6,97,71,340 18.13

Aofh d'''NtjL 8,79,83,578 9,63,03,455 (83,19,877) (8.64)

!#= cfos/a}+sn] cfly{s jif{ @)^&÷^* sf] nflu k]z u/]sf] cfo ljj/0fnfO{ cfGtl/s /fhZj ljefu, 7"nf s/bftf

sfof{non] k/LIf0f u/L ;+zf]lwt s/ lgwf{/0f u/]sf] 5 . pk/f]Qm adf]lhdsf] s/ lgwf{/0f k|lt lrQ

ga'emL ljjflbt /sdsf] Ps ltxfO{ /sd hDdf u/]/ a}+sn] cfGtl/s /fhZj ljefu ;dIf k|zf;sLo

k'g/fjnf]sgsf] nflu lgj]bg btf{ u/fPsf] 5 . ;f] ljjflbt /sdnfO{ cg';"rL $=!& sf] æcfos/ jfkt

;Defljt bfloTjÆ lzif{s cGtu{t k|:t't ul/Psf] 5 .

66 d]/f] a}+s – d]uf a}+s

!$= :yug s/g]kfn n]vfdfg – ( -cfos/_ adf]lhd :yug s/nfO{ k|rlnt #) sf b/n] u0fgf ul/Psf] 5 h;sf]

ljj/0f lgDgfg';f/ /x]sf] 5 M ?=

ljj/0f n]vf°g ePsf]

/sd

s/

cfwf/

km/s :yug s/

;DklQ÷-bfloTj_

:yL/ ;DklQ 17,58,32,561 17,74,60,848 (16,28,288) 4,88,486

pkbfg Joj:yf 98,54,276 98,54,276 29,56,283

ljbf e'QmfgL jfktsf] Joj:yf 1,50,38,515 1,50,38,515 45,11,555

k|fKt x'g af“sL cGo ;DklQsf]

Joj:yf

1,16,43,400 1,16,43,400 34,93,020

hDdf 1,14,49,344

z'''? :yug s/ ;DklQ 78,54,130

:yug s/ ;DklQ ;dfof]hg 34,47,000

;dfof]lht z'? df}Hbft 1,13,01,130

:yug s/ cfDbfgL 1,48,214

!%= lnhxf]N8 ;DklQsf] kl/zf]wg lnhxf]N8 ;DklQsf] kl/zf]wg ;DaGwL ljj/0f lgDg cg';f/ /x]sf] 5 M ?= ljj/0f nfut ut ;fn

;Ddsf] kl/zf]wg

o; jif{sf]

kl/zf]wg

kl/zf]wgaf6

lkmtf{

af“sL

lnhxf]N8 10,71,23,199 5,92,20,974 2,00,13,662 26,109 2,78,62,454

!^= efl/t cf}ift Aofhb/ cGt/

ljj/0f

shf{ tyf nufgLdf efl/t cf}ift Aofh b/ -cfDbfgL_ 7.87

lgIf]k tyf ;fk6Ldf efl/t cf}ift Aofh b/ -nfut_ 4.25

v"b Aofh cGt/ 3.62

shf{, nufgL, lgIf]k tyf ;fk6Lsf] jflif{s cf}ift sf/f]af/sf] cfwf/df dflysf] Aofh tyf cGt/ u0fgf ul/Psf] 5 .


!&= Psfu|tfsf] ;f/f+z ?=ljj/0f shf{, ;fk6 tyf lan

vl/blgIf]k ;Defljt bfloTj

#! cfiff9, @)&@ sf] s"n hDdf 17,99,72,78,456 21,13,06,75,125 1,48,26,00,039

Psn u|fxsdf ePsf] pRr Psfu|tf 37,29,30,388 1,36,79,27,490 15,23,70,000

Psn u|fxsdf ePsf] pRr Psfu|tf % 2.07% 6.47% 10.28%

!*= lx;fa ldnfg ?=ljj/0f hDdf

/sd

! jif{

;Dd

! b]lv # jif{ ;Dd # jif{

eGbf clws

zfvf lx;fa ldnfg

Ph]G;L lx;fa ldnfg 15,91,26,789 14,84,87,776 1,06,31,013 8,000

68 d]/f] a}+s – d]uf a}+s

!(= e'QmfgL cjlwsf] cfwf/df ;DklQ tyf bfloTjsf] juL{s/0f ?= b; nfvdf

qm=;+= ljj/0f ! – ()

lbg

(! – !*)

lbg

!*! – @&)

lbg

@&! – #^%

lbg

Ps jif{

eGbf dfly

hDdf

;DklQ

! gub df}Hbft 539 539

@ a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 1,332 1,165 2,497

# ljb]zL a}+sdf ul/Psf] nufgL 762 152 864 1,778

$ sn dlg

% ;/sf/L ;'/If0fkq 33 347 600 980

^ g]=/f=a}+s C0fkq

& cGt/ a}+s tyf ljQLo ;+:yf shf{ 300 300

* shf{ ;fk6 3,831 1,316 130 79 12,642 17,997

( kfpg' kg]{ Aofh 60 12 7 3 42 125

!) l/e;{ l/kf]

!! k|ltj4tf cGtu{t cGo ;+:yfx?af6 k|fKt x'g]

!@ qm=;= @), @! / @@ sf ;'ljwfx?sf] e'QmfgL] 1,239 431 607 85 63 2,425

!# cGo 597 3 528 1,129

s"n ;DklQ 8,662 1,761 930 1,377 15,040 27,771

bfloTj

!$ rNtL lgIf]k -sn ;lxt_ 285 19 57 8 716 1,085

!% art lgIf]k 3,172 9,532 12,705

!^ d'2tL lgIf]k 2,893 209 1,480 2,759 7,341

!& C0fkqx?

!* ;fk6L M 148 148

dfu÷cNk;"rgf 147 147

cGt/ a}+s÷ljQLo ;+:yf

k'gs{hf{

cGo 1 1

!( cGo bfloTj tyf Joj:yfx? M 576 48 27 28 312 992

;08«L qm]l86;{ 9 9

e'QmfgL lbg'kg]{ lan 72 72

e'QmfgL lbg'kg]{ Aofh 71 71

Joj:yfx? 290 48 27 13 142 521

cGo 135 15 170 320

@) k|ltj4tf cGtu{t cGo ;+:yfx?nfO{ lbg'kg]{ 172 172

@! pkef]u e}g;s]sf] :jLs[t ;'ljwfx? 942 942

@@ k|lttkq÷hdfgt 125 431 607 85 63 1,311

@# l/kf]

@$ qm=;= !! cGtu{tsf] ;'ljwfsf] e'QmfgL

@% cGo

s"n bfloTj 8,313 707 2,172 2,880 10,624 24,696v"b ljQLo ;DklQ 348 1,054 (1,242) (1,502) 4,417 3,075

;l~rt v"b ljQLo ;DklQ 348 1,403 161 (1,342) 3,075


@)= ;DalGwt kIf ljj/0f-s_ a+}s Joj:yfkgsf k|d'v JolQmx?

!_ k|f= 8f= dbg s'df/ bfxfn cWoIf

@_ 8f= b'dg yfkf ;~rfns

#_ >L ef]h axfb'/ zfx ;~rfns

$_ >L uf]kfn vgfn ;~rfns

%_ >L dbg s'df/ cfrfo{ ;~rfns

^_ >L r]t gf/fo0f kf08] ;~rfns

&_ >L lbk]Gb| cu|jfn ;~rfns

*_ >L k/d]Zj/ kGt ;~rfns

(_ >L clgn s]z/L zfx k|d'v sfo{sf/L clws[t

-v_ a+}s Joj:yfkgsf k|d'v JolQmx¿nfO{ k|bfg ul/Psf] ;'ljwf

!_ cNksfnLg sd{rf/L ;'ljwfx¿ M ?= !,%(,@%,)))

@_ ;]jf cjlw kZrft\sf ;'ljwfx¿ M –

#_ cGo bL3{sfnLg ;'ljwfx¿ M –

$_ cjsfz ;'ljwfx¿ M –

%_ z]o/ ;DaGwL ;'ljwfx¿ M –

dfyL pNn]lvt eGbf afx]s k|d'v sfo{sf/L clws[tnfO{ ;]jf s/f/ adf]lhd uf8L ;'ljwf, OGwg,

rfns, ;'/Iff uf8{, df]afOn lan vr{ tyf af]g; k|bfg ul/Psf] 5 .

-u_ Joj:yfkgsf k|d'v JolQmx¿;+usf] sf/f]af/!_ ;~rfnsx¿nfO{ k|bfg ul/Psf] a}7s eQf M ?= #(,^),)))

;~rfns ;ldlt a}7s eQf M ?= !(,)$,))) ;ldlt÷pk;ldlt a}7s eQf M ?= @),%^,)))@_ cGo eQf M ?= %,$),)))

@!= cfkm\g} ;DklQsf] ;'/If0fdf lnPsf] ;fk6Lsf] ljj/0f g]kfn ;/sf/sf] 6«]h/L lansf] lwtf] afx]s a}+sn] cfkm\gf] cGo ;DklQsf] ;'/If0fdf s'g} ;fk6L

glnPsf] .

@@= u}/ a}+ls· ;DklQcfly{s jif{ @)&!÷&@ df a}+sn] u}/ a}+lsË ;DklQ ;sf/ u/]sf] 5 h;nfO{ g]kfn /fi6« a}+saf6 hf/L

lgb]{zg adf]lhd n]vfÍg u/L cg';"rL $=!% df k|:t't ul/Psf] 5 . lwtf] ;sf/ ubf{sf] avt lwtf]sf]

ahf/ d"No shf{sf] n]gf /sd -c;'n ug'{ kg]{ cGo ;DalGwt vr{ ;lxt_ eGbf sd ePsf] sf/0f sd

eP hlt /sd ;f]xL cfly{s jif{sf] gfkmf÷gf]S;fg lx;fadf vr{ n]lvPsf] 5 . o;/L vr{ n]lvPsf]

/sd tyf c;'nL x'g af“sL Aofh /sdnfO{ 'NBA Receivable' cGtu{t n]vfÍg ul/Psf] 5 .

@#= k'gj{uL{s/0frfn" cfly{s jif{;+u ;fGble{s t'ngfsf lgDtL ut cfly{s jif{sf c+sx?nfO{ cfjZostf cg';f/

k'gj{uL{s/0f ul/Psf] 5 .

70 d]/f] a}+s – d]uf a}+s

24. BASEL DISCLOSURETier 1 Capital and Breakdown of its Components Rs.

16.07.2015Core Capital (Tier 1) 3,049,571,543a. Paid up Equity Share Capital 2,609,600,000b. Proposed Bonus Share 260,960,000c. Statutory General Reserves 185,076,195d. Retained Earnings 5,384,692e. Less: Deferred Tax Assets 11,449,344

Tier 2 Capital and Breakdown of its Component Rs.16.07.2015

Supplementary Capital (Tier 2) 205,119,093a. General Loan Loss provision 191,262,421b. Exchange Equalization Reserves 1,234,871c. Other Reserves 12,621,801

Subordinated Term DebtsNone

Deductions from CapitalNone

Total Qualifying Capital Rs.1. Core Capital (Tier I) 3,049,571,5432. Supplementary Capital (Tier II) 205,119,093

Total Capital Fund 3,254,690,636

Capital Adequacy Ratio Rs.1. Tier 1 Capital to Total Risk

Weighted Exposures 13.98%

2. Tier 1 and Tier 2 Capital to Total Risk Weighted Exposure 14.92%

Summary of the Bank’s internal approach to assess the adequacy of its capital to support current and future activities

is supplemented by annual budget. These are stra-tegic documents and provide guidance on the future business prospects of the Bank. These documents establish the desired nature and size of the business portfolio at a future period. While preparing these documents, capital assessment is taken as one of the most important factors. Bank understands the various forms of risks associated with the business and the importance of capital in mitigating these risks. Hence, the present as well as future capital requirements of the bank are thoroughly assessed to ensure that it is more than adequate to support the business needs of the Bank.

The changes in the business environment bring

periodic reviews are conducted to assess the impact of any such changes in the environment. Capital adequacy ratios are also computed on a daily basis to ascertain its adequacy in terms of the associated risks. Furthermore, other quantitative and indicative tools are also studied and discussed amongst the Management and the Board. Various tools and indicators have been put into practice for analysis to support the Internal Capital Adequacy Assessment Process (ICAAP) of the Bank. Moreover, an ICAAP policy has been devised and put into practice for a systematic process of identifying, measuring, monitoring and controlling various risk aspects as to further put in place a sound capital assessment and management system.

Summary of the terms, conditions and main features of all capital instruments, especially in case of subordinated term debts including hybrid capital instruments.None.

Risk Weighted Exposures for Credit Risk, Market Risk and Operational Risk

Rs.1. Risk Weighted Exposure for

Credit Risk 19,371,458,877

2. Risk Weighted Exposure for Operational Risk 1,195,020,357

3. Risk Weighted Exposure for Market Risk 608,621,105

4. Adjustment Under Pillar II 633,806,648Total Risk Weighted Exposures 21,808,906,987


Total Risk Weighted exposure calculation table(Please refer Schedules 4.30(Kha)/(Ga)/(Gha)&(Nga) for detailed calculations.

Amount of NPAs (both Gross and Net) Rs.Gross 315,842,727Net 52,452,145

NPA Ratios (%) Rs.Gross 1.75Net 0.30

Movement of Non Performing Assets Rs.Grade This Year Previous YearRestructured/RescheduledSubstandard 19,942,298 25,016,991Doubtful 74,990,844 132,155,657Loss 220,909,586 166,979,032Total NPA 315,842,727 324,151,679

Write off of Loans & Interest Suspense Rs.Particulars This Year Previous Year Changes (%)Write off Loans & AdvacesWrite off Interest

Movement in Loan Loss Provisions and Interest Suspense Rs.Particulars This Year Previous Year Changes (%)Loan Loss Provision 454,653,003 384,881,663 18.13Interest Suspense 87,983,578 96,303,455 (8.64)

Detail of Additional Loan Loss provisionNone

Available for Sale Category Rs.Investment Portfolio Amount (Rs.)Held For Trading -Held To Maturity 1,991,320,244Available For Sale 2,302,600Total 1,993,622,844

Risk Weighted Exposures under each of 11 categories of Credit Risk Rs.No. Particulars 16.07.2015

1. Claims on govt. and central Bank -2. 254,135,0743. Claims on Banks 493,213,6034. 11,661,802,6915. Claims on regulatory retail portfolio 2,614,611,1016. Claim secured by residential properties 419,059,4947. Claims secured by commercial real state 202,081,9018. Past due Claims 160,230,4839. High risk claims 1,591,013,753

10. Other Assets 955,260,07211. Off Balance sheet Items 1,020,050,706

Total 19,371,458,877

72 d]/f] a}+s – d]uf a}+s

Risk Management FunctionThe Board of Directors and the Management realize the importance of effective risk management and are keen to the continuous improvement in its risk management function. Hence, the organizational structure has placed a Risk unit independent from other business functions with direct reporting to the CEO. The unit is adequately manned and oversees all risk aspects including but not limited to Credit, Operational and Market risks. Besides this the Bank has an Internal Audit Department to conduct audit & inspection of various activities of the Bank and directly reports to the Audit Committee. The Management on regular intervals studies and makes analysis to identify

and statistics which is further presented and rigorously discussed in the Risk Management Committee headed by a non-executive member of the Board, which is further deliberated in the Board. The Internal Capital Adequacy Assessment Process (ICAAP) policy, a comprehensive risk/capital management document, acts as a guiding tool for the Bank to effectively manage various associated risks with the business. With the regular use of various measurement tools, risk management function has been brought and put into effective practice in the Bank.

Credit Risk: Bank has placed Credit Risk independent of the business generating units. Risk Management Committee comprising of non-executive directors has been enacted, which reviews various risk factors on a periodic basis.Credit Policy guides all underwriting activities, which is periodically revised to ensure that all im-mediate and potential risks are addressed. Loans and facilities are only sanctioned after the approval of the risk units. Lending authority is transparently and clearly dis-

potential as well problematic sectors for lending are discussed at various committees such Risk Management Committee (RMC), Asset Liability Management Committee (ALCO). Credit manuals and product papers are developed and implemented which guides the entire credit related activities. Investment portfolio is guided by the Investment policy of the Bank.

Operation Risk: Bank is committed to continuous strengthening of internal controls. Standard Operating Procedures for all areas of bank operations have been formulated and imple-mented.Bank has a centralized Operations unit to en-sure the consistency and accuracy in processing transactions as well as to review and identify any

potential risk. Independent Operation Risk unit has been set up which reviews the operations of the Bank in terms of compliance of internal/external rules and procedures.Bank has formulated and implemented a compre-hensive IT policy to ensure and strengthen data and network security. Bank has adopted an internationally acclaimed Flexcube as the core banking software, which has excellent inbuilt control features. The software has been thoroughly tested and customized as per our requirements; balancing both the business requirements and its control features.Large extent of the MIS requirements has been automated and efforts are always underway for further develop-ment/enhancement.In order to continuously improve the capabilities of the employees, training calendars are developed and implemented based on their need assess-ments.

Market Risk: The major sources of market risk for the bank are interest rate risk, exchange rate risk and liquidity risk.Bank has developed and implemented policies and guidelines to mitigate these risks. Bank has an Assets Liability Committee which meets regularly to identify and manage these risks as per the laid down policies and procedures.

Types of eligible credit risk mitigants used and the

Deposit with Bank : Rs. 142,038,305


cfly{s jif{ @)&!÷&@ sf] n]vfk/LIf0f gePsf] tyf n]vfk/LIf0f ePsf]

ljlQo ljj/0fsf] t'ngf

qm=;+= ljj/0f n]vfk/LIf0f

gePsf] ljQLo

ljj/0f cg';f/

n]vfk/LIf0f

ePsf] ljQLo

ljj/0f

cGt/ cGt/sf] sf/0f

/sddf k|ltztdf

! s"n k'FhL tyf bfloTj -!=! b]lv !=& ;Dd_

2,46,64,433 2,47,07,203 42,770 0.17

!=! r'Qmf k'“hL 26,09,600 28,70,560 2,60,960 10.00 k|:tfljt af]g; z]o/

!=@ hu]8f tyf sf]ifx¿ 4,78,327 2,04,318 (2,74,010) (57.28) k|:tfljt af]g; z]o/, cfos/ bfloTjdf

kl/j{tg tyf shf{ gf]S;fgL Joj:yfdf yk

!=# C0fkq tyf a08 - - - -

!=$ ;fk6L 1,48,234 1,48,234 - -

!=% lgIf]k bfloTj -c±cf_ 2,11,30,675 2,11,30,675 (0) (0.00)

c= :jb]zL d'b|f 1,98,48,959 1,98,48,959 (0) (0.00)

cf= ljb]zL d'b|f 12,81,716 12,81,716 - -

!=^ cfos/ bfloTj 5,489 4,937 (552) (10.06) cfos/ bfloTjdf kl/j{tg

!=& cGo bfloTj 2,92,107 3,48,479 56,372 19.30 k|:tfljt gub nfef+z, u}/ a}+lsË ;DklQ

cGtu{t c;'n ug{ af“sL /sdsf] n]vfÍgdf

;dfof]hg tyf a}+s df}HbftnfO{ k'gj{uL{s/0f

ul/Psf]

@ s"n ;DklQ -@=! b]lv @=& ;Dd_ 2,46,64,433 2,47,07,203 42,770 0.17

@=! gub tyf a}+s df}Hbft 30,35,262 30,36,462 1,200 0.04 a}+s df}HbftnfO{ k'gj{uL{s/0f ul/Psf]

@=@ dfu tyf cNk;"rgfdf k|fKt x'g]

/sd

10,67,104 10,67,104 0 0.00

@=# nufgL 19,93,623 19,93,623 - -

@=$ shf{ tyf ;fk6

-c±cf±O±O{±p±pm_

1,75,42,669 1,75,42,625 (43) (0.00) shf{ gf]S;fgL Joj:yfdf yk

c= l/on :6]6 shf{ ;fk6 5,58,542 5,58,542 - -

!= cfjf;Lo 3/ shf{ -?=! s/f]8

;Ddsf] JolQmut cfjf;Lo

3/ shf{ afx]s_

1,71,562 1,71,562 - -

@= Joj;flos ejg tyf

cfjf;Lo ckf6{d]06 lgdf{0f

shf{

1,15,255 1,15,255 - -

;+:yfks÷;+:yfks ;d"xsf z]o/wgLn] cfkm\gf] :jfldTjdf /x]sf] z]o/

cGo a}+s tyf ljQLo ;+:yfdf lwtf] /fvL shf{ lnPsf] ljj/0f

#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

;+:yfkssf] :jfldTjdf sfod /x]sf] z]o/ shf{ ljj/0f

qm=;+= ;+:yfks÷;+:yfks ;d"x cGtu{t kg]{ z]o/wgLsf]

gfd

s"n lsQf

;+Vof

s"n r'Qmf k'“hLsf]

k|ltzt

shf{ lnPsf] cGo

a}+s÷ljQLo

;+:yfsf] gfd

shf{ /sd lwtf]df /x]sf]

z]o/ lsQf

;+Vof

s}lkmot

!=

@=

cg';"rL — $=#$?=

cg';"rL — $=#%/sd ?= xhf/df

74 d]/f] a}+s – d]uf a}+s

qmdzMcg';"rL — $=#%/sd ?= xhf/df

#= lgdf{0f ;DkGg eO{ cfo cfh{g

ug{ yfn]sf] Jofkfl/s sDKn]S;

shf{

- - - -

$= cGo l/on :6]6 shf{

-h ufhdLg vl/b tyf Knl6Ë

shf{ ;d]t_

2,71,724 2,71,724 - -

cf= ?= ! s/f]8 ;Ddsf] JolQmut

cfjf;Lo 3/ shf{

5,85,945 5,85,945 - -

O= dflh{g k|s[ltsf] shf{ 14,950 14,950 - -

O{= cfjlws shf{ 26,63,823 26,63,823 - -

p= clwljsif{÷l6=cf/=÷rfn" k'“hL

shf{

1,06,02,346 1,06,02,319 (27) (0.00) shf{ gf]S;fgL Joj:yfdf yk

pm= cGo shf{ 31,17,063 31,17,047 (16) (0.00) shf{ gf]S;fgL Joj:yfdf yk

@=% :yL/ ;DklQ 1,77,080 1,77,080 (0) (0.00)

@=^ u}/ a}+lsË ;DklQ - -

@=& cGo ;DklQ 8,48,695 8,90,308 41,614 4.90 u}/ a}+lsË ;DklQ cGtu{t c;'n ug{ af“sL

/sdsf] n]vfÍgdf ;dfof]hg tyf :yug s/

;DklQdf kl/jt{g

#= gfkmf gf]S;fg lx;fa

#=! Aofh cfDbfgL 18,04,944 18,04,944 - -

#=@ Aofh vr{ 9,14,279 9,14,279 (0) (0.00)

s= v"b Aofh cfDbfgL -#=!–#=@_ 8,90,665 8,90,665 0 0.00

#=# lkm, sldzg / l8:sfp06 35,282 35,282 - -

#=$ cGo ;~rfng cfDbfgL 1,09,248 1,10,153 905 0.83 vr{ ;dfof]hg tyf cfDbfgL k'gj{uL{s/0f

#=% ;6xL 36a9 cfDbfgL -v"b_ 1,02,382 1,02,382 - -

v= s"n ;~rfng cfDbfgL -s±#=#

blv #=%_

11,37,576 11,38,481 905 0.08

#=^ sd{rf/L vr{ 1,85,260 1,86,165 905 0.49 vr{ ;dfof]hg tyf cfDbfgL k'gj{uL{s/0f

#=& cGo ;~rfng vr{ 2,73,976 2,73,400 (576) (0.21) u}/ a}+lsË ;DklQ ;DaGwL vr{ ;dfof]hg

tyf k'gj{uL{s/0f

u= gf]S;fgL Joj:yf cl3sf]

;~rfng d'gfkmf -v–#=^–#=&_

6,78,340 6,78,916 576 0.08

#=* ;Defljt gf]S;fgL Joj:yf 1,55,450 1,55,493 43 0.03 shf{ gf]S;fgL Joj:yfdf yk

3= ;~rfng d'gfkmf -u–#=*_ 5,22,890 5,23,423 533 0.10

#=( u}/;~rfng cfDbfgL÷vr{ -v"b_ 1,062 1,062 - -

#=!) ;Defljt gf]S;fgL Joj:yfaf6

lkmtf{

31,205 31,205 0 0.00

ª= lgoldt sf/f]af/af6 ePsf]

d'gfkmf -3±#=(±#=!)_

5,55,158 5,55,691 533 0.10

#=!! c;fdfGo sf/f]af/af6 ePsf]

cfDbfgL÷vr{ -v"b_

(8,189) (8,766) (576) 7.04 u}/ a}+lsË ;DklQ ;DaGwL vr{ ;dfof]hg

tyf k'gj{uL{s/0f

r= af]g; / s/ cl3sf] d'gfkmf

-ª±#=!!_

5,46,968 5,46,925 (43) (0.01)

#=!@ sd{rf/L af]g; Joj:yf 49,724 49,720 (4) (0.01)

#=!# cfos/ Joj:yf 1,51,633 1,50,909 (724) (0.48) cfos/ bfloTjdf kl/jt{g

5= v"b gfkmf÷gf]S;fg -r–#=!@–#=!#_ 3,45,611 3,46,296 685 0.20

cfly{s jif{ @)&!÷&@ sf] n]vfk/LIf0f gePsf] tyf n]vfk/LIf0f ePsf]

ljlQo ljj/0fsf] t'ngfqm=;+= ljj/0f n]vfk/LIf0f

gePsf] ljQLo

ljj/0f cg';f/

n]vfk/LIf0f

ePsf] ljQLo

ljj/0f

cGt/ cGt/sf] sf/0f

/sddf k|ltztdf


ckl/is[t ljQLo ljj/0f -q}dfl;s_

@)&@ cfiff9 d;fGt -rf}yf] q}odf; @)&!÷&@_

qm=;+= ljj/0f rf}yf] qodf;

@)&!÷&@

t]>f] qodf;

@)&!÷&@rf}yf] qodf;

@)&)÷&!

!= s"n k'FhL tyf bfloTj -!=! b]lv !=& ;Dd_ 2,46,64,433 2,49,01,409 2,05,71,238

!=! r'Qmf k'“hL 26,09,600 26,09,600 26,09,600

!=@ hu]8f tyf sf]ifx¿ 4,78,327 3,96,452 1,33,093

!=# C0fkq tyf a08 - - -

!=$ ;fk6L 1,48,234 3,82,144 3,79,632

!=% lgIf]k bfloTj -c±cf_ 2,11,30,675 2,12,39,543 1,71,47,649

c= :jb]zL d'b|f 1,98,48,959 2,00,52,439 1,66,38,451

cf= ljb]zL d'b|f 12,81,716 11,87,103 5,09,198

!=^ cfos/ bfloTj 5,489 1,789 11,084

!=& cGo bfloTj 2,92,107 2,71,881 2,90,180

@ s"n ;DklQ -@=! b]lv @=& ;Dd_ 2,46,64,433 2,49,01,409 2,05,71,238

@=! gub tyf a}+s df}Hbft 30,35,262 8,14,042 18,31,591

@=@ dfu tyf cNk;"rgfdf k|fKt x'g] /sd 10,67,104 31,16,975 8,80,502

@=# nufgL 19,93,623 20,23,240 25,07,410

@=$ shf{ tyf ;fk6 -c±cf±O±O{±p±pm_ 1,75,42,669 1,80,08,320 1,44,96,326

c= l/on :6]6 shf{ ;fk6 5,58,542 4,80,307 3,56,880

!= cfjf;Lo 3/ shf{ -?=! s/f]8 ;Ddsf] JolQmut cfjf;Lo 3/ shf{ afx]s_ 1,71,562 1,16,932 96,510

@= Joj;flos ejg tyf cfjf;Lo ckf6{d]06 lgdf{0f shf{ 1,15,255 88,333 76,275

#= lgdf{0f ;DkGg eO{ cfo cfh{g ug{ yfn]sf] Jofkfl/s sDKn]S; shf{ - - -

$= cGo l/on :6]6 shf{ -h ufhdLg vl/b tyf Knl6Ë shf{ ;d]t_ 2,71,724 2,75,041 1,84,095

cf= ?= ! s/f]8 ;Ddsf] JolQmut cfjf;Lo 3/ shf{ 5,85,945 5,53,621 4,17,005

O= dflh{g k|s[ltsf] shf{ 14,950 11,989 -

O{= cfjlws shf{ 26,63,823 26,55,104 21,57,248

p= clwljsif{÷l6=cf/=÷rfn" k'“hL shf{ 1,06,02,346 1,12,71,384 91,28,967

pm= cGo shf{ 31,17,063 30,35,915 24,36,226

@=% :yL/ ;DklQ 1,77,080 1,85,421 2,13,778

@=^ u}/ a}+lsË ;DklQ

@=& cGo ;DklQ 8,48,695 7,53,410 6,41,631

# gfkmf gf]S;fg lx;fa rf}yf] qodf;

@)&!÷&@

t]>f] qodf;

@)&!÷&@

rf}yf] qodf;

@)&)÷&!

#=! Aofh cfDbfgL 18,04,944 13,01,223 16,28,249

#=@ Aofh vr{ 9,14,279 6,56,935 8,07,026

s= v"b Aofh cfDbfgL -#=!–#=@_ 8,90,665 6,44,287 8,21,223

#=# lkm, sldzg / l8:sfp06 35,282 25,791 26,811

#=$ cGo ;~rfng cfDbfgL 1,09,248 89,701 81,976

#=% ;6xL 36a9 cfDbfgL -v"b_ 1,02,382 83,829 95,288

v= s"n ;~rfng cfDbfgL -s±#=# blv #=%_ 11,37,576 8,43,608 10,25,299

#=^ sd{rf/L vr{ 1,85,260 1,37,299 1,67,300

cg';"rL — $ -c_/sd ?= xhf/df


qm=;+= ljj/0f rf}yf] qodf;

@)&!÷&@

t]>f] qodf;

@)&!÷&@rf}yf] qodf;

@)&)÷&!

#=& cGo ;~rfng vr{ 2,73,976 1,91,645 2,49,691

u= gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf -v–#=^–#=&_ 6,78,340 5,14,664 6,08,307

#=* ;Defljt gf]S;fgL Joj:yf 1,55,450 87,302 1,36,165

3= ;~rfng d'gfkmf -u–#=*_ 5,22,890 4,27,362 4,72,142

#=( u}/;~rfng cfDbfgL÷vr{ -v"b_ 1,062 518 1,801

#=!) ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 31,205 6,316

ª= lgoldt sf/f]af/af6 ePsf] d'gfkmf -3±#=(±#=!)_ 5,55,158 4,27,880 4,80,259

#=!! c;fdfGo sf/f]jf/af6 ePsf] cfDbfgL÷vr{ -v"b_ (8,189) (8,189) -

r= af]g; / s/ cl3sf] d'gfkmf -ª±#=!!_ 5,46,968 4,19,690 4,80,259

#=!@ sd{rf/L af]g; Joj:yf 49,724 38,154 43,660

#=!# cfos/ Joj:yf 1,51,633 1,14,461 1,31,062

5= v"b gfkmf÷gf]S;fg -r–#=!@–#=!#_ 3,45,611 2,67,076 3,05,537

$ rf}yf] qodf;

@)&!÷&@

t]>f] qodf;

@)&!÷&@

rf}yf] qodf;

@)&)÷&!

$=! k'“hLsf]if÷hf]lvd efl/t ;DklQ 14.99 14.39 16.06

$=@ lgliqmo shf{{÷s"n shf{ 1.75 1.64 2.18

$=# ;Defljt gf]S;fgL Joj:yf÷s"n lgliqmo shf{ 143.94 138.57 118.74

$=$ k'“hLsf] nfut -Cost of Fund_ 4.25 4.10 4.94

$=% shf{ lgIf]k cg'kft -g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd_ 76.44 78.83 75.50

$=^ cfwf/ b/ 8.48 7.65 8.97

ckl/is[t ljQLo ljj/0f -q}dfl;s_

@)&@ cfiff9 d;fGt -rf}yf] q}odf; @)&!÷&@_

qmdz===cg';"rL — $ -c_/sd ?= xhf/df


78 d]/f] a}+s – d]uf a}+s

d]uf a}+s g]kfn lnld6]8sf] k|aGwkqdf ul/Psf] ;+zf]wg

-ldlt @)&@÷(÷@^ ut] a:g] a}+ssf] kf“rf}+ jflif{s ;fwf/0f ;efsf] k|:tfj g+= v ;“u ;DalGwt_

qm=;+= xfnsf] Joj:yf k|:tfljt ;+zf]wg ;+zf]wg ug'{kg]{ sf/0f

!= bkmf @ sf] pkbkmf -!_M

o; a}+ssf] /lhi68{ -s]lGb|o_ sfof{no sf7df08f}+

lhNnf sf7df08f}+ dxfgu/kflnsf jf8{ g+= !

sflGtkydf /xg]5 . cfjZostf cg';f/ g]kfn

/fi6« a}+ssf] :jLs[lt lnO{ zfvf, pkzfvf jf cGo

sfof{no vf]nL sf/f]af/ ug{ ;lsg]5 .


lhNnf sf7df8f}+ dxfgu/kflnsf j8f g+= #!

sdnfbLdf /xg] 5 . cfjZostf cg';f/ g]kfn


sfof{no vf]nL sf/f]af/ ug{ ;lsg] 5 .

ut a}zfvdf uPsf] e"sDksf sf/0f xfn /x]sf]

/lhi68{ -s]lGb|o_ sfof{no sdhf]/ ePsf] /

3/ef8f ;Demf}tfsf] cjlw klg ;dfKt x'g nfu]sf]

tyf lgofds lgsfo g]kfn /fi6« a}+saf6 /lhi68{

-s]lGb|o_ sfof{no :yfgfGt/0fsf] nflu :jLs[lt

;d]t k|fKt ePsf]n] sf=d=g=kf j8f g+= #!

sdnfbLdf :yfgfGt/0f ug]{ lg0f{o ePsf]n] .

@= bkmf ^ sf] pkbkmf -s_M

a}+ssf] clws[t k'“hL ?= $,)),)),)),)))÷–

-rf/ ca{_ x'g]5 . ;f] k'“hLnfO{ k|ltz]o/ ?= !))

÷– b/sf $,)),)),)))÷– -rf/ s/f]8_ lsQf

;fwf/0f z]o/df ljefhg ul/Psf] 5 .

a}+ssf] clws[t k'“hL ?= !),)),)),)),)))÷– -bz

ca{_ x'g]5 . ;f] k'“hLnfO{ k|lt z]o/ ?= !)) b/sf

!),)),)),)))÷– -bz s/f]8_ lsQf ;fwf/0f

z]o/df ljefhg ul/Psf] 5 .

g]kfn /fi6« a}+ssf] lgb]{zg ;d]tnfO{ Wofgdf /fvL

;do ;fk]If a}+ssf] clws[t k'“hL a9fp“b} n}hfg' kg]{

ePsf]n] .

#= bkmf ^ sf] pkbkmf -v_M

a}+ssf] hf/L k'“hL ?= @,^),(^,)),)))÷–

-b'O{ ca{ ;f7L s/f]8 5ofgJa] nfv ?k}+of_

x'g]5 . ;f] k'“hLnfO{ k|lt z]o/ ?= !))÷– b/

sf @,^),(^,))) -b'O{ s/f]8 ;f7L nfv 5ofgAa]

xhf/_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf]

5 .

a}+ssf] hf/L k'“hL ?= $,)%,)&,!*,(#@÷– -rf/ ca{

kf“r s/f]8 ;ft nfv c7f/ xhf/ gf} ;o alQ;

?k}of“_ x'g]5 . ;f] k'“hLnfO{ k|lt z]o/ ?= !))÷–

b/sf $,)%,)&,!*(=#@ -rf/ s/f]8 kf“r nfv ;ft

xhf/ Ps ;o pgfgAa] / alQ; k}+;f_ lsQf ;fwf/0f


a}+sn] xfnsf] hf/L k'“hLsf] !) -bz_ k|ltzt af]g;

z]o/ hf/L ug]{ k|:tfj u/]sf] / ;fwf/0f ;efdf ;f]

cg'df]bg eP kZrft\ pNn]lvt cg'kftdf a}+ssf]

hf/L k'“hL j[l4 x'g hfg]] / klZrdf~rn 8]enkd]G6

a}+sn] klg xfnsf] hf/L k'“hLdf !) k|ltzt af]g;

z]o/ hf/L u/] kZrft\ sfod x'g] hf/L k'“hLdf b'O{

a}+s larsf] z]o/ cfbfg k|bfg cg'kft adf]lhd

ldnfg e} sfod x'g cfpg]] hf/L k'“hLdf klRr;

k|ltzt -$M!_ sf] cg'kftdf xsk|b z]o/ hf/L ug]{

u/L a}+sn] g]kfn /fi6« a}+sdf k]z u/]sf] k'“hL j[l4

of]hgf cg'?k a}+ssf] hf/L k'“hLdf j[l4 ug]{ lg0f{o

eP adf]lhd k|aGwkqsf] bkmf ^ sf] pkbkmf -v_ df

;f]xL adf]lhd ;+zf]wg ug'{ kg]{ ePsf]n] .

$= bkmf ^ sf] pkbkmf -u_M

a}+ssf] r'Qmf k'“hL ?= @,^),(^,)),)))÷–

-b'O{ ca{ ;f7L s/f]8 5ofgAa] nfv_ ?k}+of

x'g]5 . ;f] k'“hLnfO{ k|lt z]o/ ?= !))÷– b/

sf @,^),(^,))) -b"O{ s/f]8 ;f7L nfv 5ofgAa]

xhf/_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf]

5 .

a}+ssf] r'Qmf k'“hL ?= $,)%,)&,!*,(#@÷– -rf/ ca{

kf“r s/f]8 ;ft nfv c7f/ xhf/ gf} ;o alQ;

?k}of“_ x'g]5 . ;f] k'“hLnfO{ k|lt z]o/ ?= !))÷– b/

sf $,)%,)&,!*(=#@ -rf/ s/f]8 kf“r nfv ;ft

xhf/ Ps ;o pgfgAa] / alQ; k}+;f_ lsQf ;fwf/0f


a}+sn] xfnsf] r'Qmf k'“hLsf] !) -bz_ k|ltzt af]g;

z]o/ hf/L ug]{ k|:tfj u/]sf] / ;fwf/0f ;efdf

;f] sf] cg'df]bg eP kZrft\ pNn]lvt cg'kftdf

a}+ssf] r'Qmf k'“hL j[l4 x'g hfg]] / klZrdf~rn

8]enkd]G6 a}+sn] klg xfnsf] r'Qmf k'“hLdf !)

k|ltzt af]g; z]o/ hf/L u/] kZrft\ sfod x'g

cfpg] r'Qmf k'“hLdf b'O{ a}+s larsf] z]o/ cfbfg

k|bfg cg'kft adf]lhd ldnfg e} ;s]kl5 a}+ssf]

r'Qmf k'“hLdf ;f]xL adf]lhd j[l4 x'g hfg] ePsf]n]

/ tTkZrft\ sfod x'g] z]o/wgLx?sf] xs sfod

x'g] u/L a}+sn] klRr; k|ltzt -$M!_ sf] cg'kftdf

xsk|b z]o/ hf/L ug]{ u/L] g]kfn /fi6« a}+sdf k]z

u/]sf] k'“hL j[l4 of]hgf cg'?k a}+ssf] r'Qmf k'“hLdf

;d]t j[l4 ug]{ lg0f{o eP adf]lhd k|aGwkqsf] bkmf

^ sf] pkbkmf -u_ df ;f]xL adf]lhd ;+zf]wg ug'{

kg]{ ePsf]n] .

%= bkmf ^ sf] pkbkmf -ª_M

;+:yfks z]o/wgLx?nfO{ ;d"x æsÆ df jlu{s/0f

ul/Psf] 5 / of] ;d"xsf] z]o/ :jfldTj &)

k|ltzt x'g]5 .

;+:yfks z]o/wgLx?nfO{ ;d"x æsÆ df juL{s/0f

ul/Psf] 5 / of] ;d"xsf] z]o/ :jfldTj %! k|ltzt

x'g] 5 .

g]kfn /fi6« a}+saf6 hf/L PsLs[t lgb]{zg @)&@ sf]

lgb]{zg g+= !) sf] a'“bf !% adf]lhd a}+ssf] z]o/

:jfldTjnfO{ ;+zf]wg u/L ;+:yfks ;d"xsf] z]o/

:jfldTjnfO{ %! k|ltzt / ;j{;fwf/0f ;d"xsf] z]o/

:jfldTjnfO{ $( k|ltzt sfod ul/Psf] .


^= bkmf ^ sf] pkbkmf -r_M

;j{;fwf/0fdf laqmL ul/g] z]o/sf z]o/wgLnfO{

;d"x ævÆ df jlu{s/0f ul/Psf] 5 . of] ;d"xsf]

z]o/ :jfldTj #) k|ltzt x'g]5 . o; ;d"xsf]

z]o/ dWo]af6 a9Ldf % k|ltzt ;Dd z]o/ a}+ssf

sd{rf/LnfO{ 5'6\ofO{ ;+rfns ;ldltsf] lg0f{o

adf]lhd laqmL ljt/0f ug{ ;lsg]5 .

;j{;fwf/0fdf laqmL ul/g] z]o/sf z]o/wgLnfO{

;d"x ævÆ df juL{s/0f ul/Psf] 5 . of] ;d"xsf]

z]o/ :jfldTj $( k|ltzt x'g] 5 . o; ;d"xsf]

z]o/ dWo]af6 a9Ldf % k|ltzt ;Dd z]o/ a}+ssf

sd{rf/LnfO{ 5'§ofO{ ;~rfns ;ldltsf] lg0f{o

adf]lhd laqmL ljt/0f ug{ ;lsg] 5 .

g]kfn /fi6« a}+saf6 hf/L PsLs[t lgb]{zg @)&@ sf]

lgb]{zg g+= !) sf] a'“bf !% adf]lhd a}+ssf] z]o/

:jfldTjnfO{ ;+zf]wg u/L ;+:yfks ;d"xsf] z]o/

:jfldTjnfO{ %! k|ltzt / ;j{;fwf/0f ;d"xsf] z]o/

:jfldTjnfO{ $( k|ltzt sfod ul/Psf] .

&= bkmf * sf] pkbkmf -u_M

a}+sn] sf/f]af/ ;+rfng u/]sf] kf“r jif{ gk']u;Dd

;f] ;+:yfsf] ;+:yfksn] cfÎgf] z]o/ laqmL jf

lwtf]aGws /fVg kfpg] 5}g / pQm cjlwkl5

To:tf] z]o/ laqmL ubf{ jf lwtf]aGws /fVg' kbf{

g]kfn /fi6« a}+ssf] k"j{ :jLs[lt lng' kg{]5 . o;

Joj:yf adf]lhd a}+sn] sf/f]af/ ;+rfng u/]sf]

kf“r jif{ gk'u] tfklg a}+ssf] ;+rfngdf s'g}

afwf Jojwfg pTkGg eO{ ljz]if kl/l:yltsf]

;[hgf x'g uPdf g]kfn /fi6« a}+ssf] :jLs[lt

lnO{ ;+:yfksx?sf aLrdf z]o/ vl/b laqmL ug{

;lsg]5 .

t/,

To;/L xs 5f]8\bf jf x:tfGt/0f ubf{ klxnf]

k|fyldstf h'g ;d"xsf] z]o/ xf], ;f]xL ;d"xsf

z]o/wgLx¿nfO{ lbg' kg{]5 . ;d"xleq pk;d"x

/x]sf] cj:yfdf h'g pk;d"xsf] z]o/ xf] ;f]xL

pk;d"xsf z]o/wgLnfO{ k|fyldstf lbOg]5 .

o;/L z]o/ laqmL ubf{ Ps eGbf a9L z]o/wgLn]

z]o/ v/Lb ug{ rfx]df lghn] wf/0f u/]sf] z]o/sf]

cg'kftdf ljt/0f ug'{ kg]{5 . ;f] ;d"xsf s'g} klg

;+:yfks z]o/wgLn] z]o/ lng] OR5f gu/]df dfq

To:tf] z]o/ ;+rfns ;ldltsf] lg0f{o adf]lhd

g]kfn /fi6« a}+ssf] :jLs[lt lnO{ cGo JolQm, kmd{,

sDkgL jf ;+:yfnfO{ laqmL ug{ ;lsg] 5 .

a}+sn] sf/f]af/ ;~rfng u/]sf] kf“r jif{ gk'u]

;Dd ;f] ;+:yfsf] ;+:yfksn] cfÎgf] z]o/ laqmL

jf lwtf]aGws /fVg kfpg] 5}g / pQm cjlw kl5

To:tf] z]o/ laqmL ubf{ jf lwtf]aGws /fVg' kbf{

g]kfn /fi6« a}+ssf] k"j{ :jLs[lt lng' kg{]5 . o;

Joj:yf adf]lhd a}+sn] sf/f]af/ ;~rfng u/]sf]

kf“r jif{ gk'u]tfklg a}+ssf] ;~rfngdf s'g} afwf

Jojwfg pTkGg eO{ ljz]if kl/l:yltsf] ;[hgf x'g

uPdf g]kfn /fi6« a}+ssf] :jLs[lt lnO{ ;+:yfksx?sf

aLrdf z]o/ vl/b laqmL ug{ ;lsg] 5 t/, a}+sn]

sf/f]af/ ;~rfng u/]sf] kf“r jif{ k'/f e} ;s]kl5

;+:yfks ;d"xsf s'g} klg ;+:yfks z]o/wgLn]

cfkm\gf] z]o/ laqmL ubf{ klxn] ljBdfg ;+:yfks

z]o/wgLx?nfO{ k|fyldstf lbOg] tyf s'g} klg

;+:yfks z]o/wgLn] z]o/ lng] OR5f gu/]df dfq

To:tf] z]o/ ;~rfns ;ldltsf] lg0f{o adf]lhd

g]kfn /fi6« a}+ssf] :jLs[lt lnO{ cGo JolQm, kmd{,

sDkgL jf ;+:yfnfO{ laqmL ug{ ;lsg] 5 .

g]kfn /fi6«« a}+saf6 ldlt @)&! c;f]h & ut] hf/L

lgb]{zg adf]lhd ldnfO{Psf] .

*= bkmf * sf] pkbkmf -u!_M z]o/ vl/b÷x:tfGt/0f

;DaGwL

-xfn gePsf]_a}+sn] xsk|b z]o/ hf/L ubf{ s'g} z]o/wgLn]

cfkm\gf] xsk|b z]o/ vl/b ug]{ xs cGo JolQmnfO{

x:tfGt/0f ug{ ;Sg] 5 . o;/L xs x:tfGt/0f ubf{

P]g, sDkgL P]g, lwtf]kq ;DaGwL k|rlnt sfg"g,

g]kfn /fi6« a}+saf6 hf/L ul/Psf] lgb]{zg, k|aGwkq

tyf lgodfjnLsf] clwgdf /xL ul/g] 5 .

xsk|b z]o/ hf/L ubf{ xs x:tfGt/0f ug]{ Joj:yf

k|aGwkqdf yk ug{ cfjZos ePsf]n] .

d]uf a}+s g]kfn lnld6]8sf] k|aGwkqdf ul/Psf] ;+zf]wg

-ldlt @)&@÷(÷@^ ut] a:g] a}+ssf] kf“rf}+ jflif{s ;fwf/0f ;efsf] k|:tfj g+= v ;“u ;DalGwt_


qmdz===

80 d]/f] a}+s – d]uf a}+s

d]uf a}+s g]kfn lnld6]8sf] lgodfjnLdf ul/Psf] ;+zf]wg

-ldlt @)&@÷(÷@^ ut] a:g] a}+ssf] kf“rf}+ jflif{s ;fwf/0f ;efsf] k|:tfj g+= v ;+u ;DalGwt_


!= lgod @ sf] pklgod -!_M


lhNnf sf7df08f}+ dxfgu/kflnsf j8f g+= !

sflGtkydf /xg]5 . cfjZostf cg';f/ g]kfn


sfof{no vf]nL sf/f]af/ ug{ ;lsg]5 .


lhNnf sf7df8f}+ dxfgu/kflnsf j8f g+= #!

sdnfbLdf /xg] 5 . cfjZostf cg';f/ g]kfn


sfof{no vf]nL sf/f]af/ ug{ ;lsg] 5 .

ut a}zfvdf uPsf] e"sDksf sf/0f xfn /x]sf]

/lhi68{ -s]lGb|o_ sfof{no sdhf]/ ePsf] /

3/ef8f ;Demf}tfsf] cjlw klg ;dfKt x'g nfu]sf]

tyf lgofds lgsfo g]kfn /fi6« a}+saf6 /lhi68{

-s]lGb|o_ sfof{no :yfgfGt/0fsf] nflu :jLs[lt

;d]t k|fKt ePsf]n] sf=d=g=kf j8f g+= #!

sdnfbLdf :yfgfGt/0f ug]{ lg0f{o ePsf]n] .

@= lgod !)M ;+:yfksn] lng' kg]{ z]o/M

z]o/wgLn] a}+ssf] ;+:yfks x'g sDtLdf !),)))

-bz xhf/_ lsQf z]o/ lnPsf] x'g'kg]{5 .z]o/wgLn] a}+ssf] ;+:yfks x'g sDtLdf !)) -;o_

lsQf z]o/ lnPsf] x'g'kg]{ 5 .

a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# tyf

g]kfn /fi6« a}+saf6 a}+s tyf ljQLo ;+:yfnfO{

hf/L lgb]{zgdf ;+:yfks z]o/wgLn] a}+ssf]

;+:yfks z]o/ a}+sn] ljQLo sf/f]af/ k|f/De u/]sf]

% jif{;Dd ;+:yfks z]o/sf] xs x:tfGt/0f tyf

gfd;f/L ug{ gkfO{g] eGg] pNn]v ePsf] t/ a}+sn]

ljQLo sf/f]af/ k|f/De u/]sf] % jif{ k'/f e};s]sf]

cj:yfdf ;+:yfksx?nfO{ z]o/ v08Ls/0f u/L

laqmL ug{ jf xs x:tfGt/0f tyf gfd;f/L ug'{ kg]{

cj:yfnfO{ ;d]t ;Daf]wg ug{ tyf dh{/ eO{ cfpg]

a}+s tyf ljQLo ;+:yfx?df ;+:yfksx?n] wf/0f

u/]sf] ;+:yfks z]o/sf] Go"gtd ;+Vof o; a}+sdf

tf]lsPsf] eGbf sd x'g ;Sg] ePsf]n] ;f] ;d]tnfO{

;Daf]wg ug{ cfjZos ePsf]n] .

#= lgod !@ sf] pklgod -#s_M xsk|b z]o/sf] xs

x:tfGt/0f ;DaGwL Joj:yf

-xfn gePsf]_a}+sn] xsk|b z]o/ hf/L ubf{ s'g} z]o/wgLn]

cfkm\gf] xsk|b z]o/ vl/b ug]{ xs cGo JolQmnfO{

x:tfGt/0f ug{ ;Sg] 5 . o;/L xs x:tfGt/0f ubf{

P]g, sDkgL P]g, lwtf]kq ;DaGwL k|rlnt sfg"g,

g]kfn /fi6« a}+saf6 hf/L ul/Psf] lgb]{zg, k|aGwkq

tyf o; lgodfjnLsf] clwgdf /xL ul/g] 5 .

xsk|b z]o/ hf/L ubf{ xs x:tfGt/0f ug]{ Joj:yf

lgodfjnLdf yk ug{ cfjZos ePsf]n] .

$= lgod @% sf] pklgod -$_M

;~rfns lgjf{rg ubf{ Ps z]o/sf] Ps dt eGbf

a9L x'g] u/L dtbfg ug{ kfOg] 5}g .

;~rfns lgjf{rg ubf{ k|To]s z]o/wgLnfO{ lghn]

lnPsf] z]o/ ;+Vofn] lgo'Qm ug'{kg]{ ;~rfnssf]

;+VofnfO{ u'0fg ubf{ x'g] ;+Vof a/fa/sf] dtsf]

lx;fan] dtbfg ug]{ clwsf/ x'g] 5 / To;/L

dtbfg ug]{ z]o/wgLn] cfkm\gf] ;a} dt Pp6}

pd]bjf/nfO{ jf Ps eGbf a9L pd]bjf/nfO{ lghn]

tf]s] adf]lhd ljefhg x'g] u/L dtbfg ug{

;Sg] 5 .

;~rfns lgjf{rgdf dtbfg ug]{ Joj:yfnfO{

sDkgL P]g adf]lhd ldnfO{Psf] .

%= lgod @& sf] pklgod -@_M o; a}+sdf ( hgfsf] ;~rfns ;ldlt x'g]5

h;df ;+:yfksx? dWo]af6 dgf]lgt jf lgjf{lrt

^ hgf, ;j{;fwf/0f z]o/wgLx?af6 lgjf{lrt

@ hgf / ! hgf :jtGq Joj;flos ljz]if1

;~rfns x'g]5g\ .

o; a}+sdf ( hgfsf] ;~rfns ;ldlt x'g] 5 h;df

;+:yfksx? dWo]af6 dgf]lgt jf lgjf{lrt % hgf,

;j{;fwf/0f z]o/wgLx?af6 lgjf{lrt # hgf / !

hgf :jtGq Joj;flos ljz]if1 ;~rfns x'g] 5g\ .

a}+ssf] ;+:yfks ;d"xsf] z]o/ ;+/rgfdf kl/jt{g

u/L %! M $( -;+:yfks M ;j{;fwf/0f_ k|ltzt

sfod ubf{ ;f]xL adf]lhdsf] cg'kftdf ;~rfns

;ldltdf k|ltlglwTj x'g] Joj:yf sfod ug'{kg]{

ePsf]n] .

^= lgod #)M ;~rfns k'gM lgo'lQm x'g ;Sg]

jf g;Sg]MPs k6s ;~rfns eO;s]sf] JolQm k'gM

;~rfnsdf lgo'Qm x'g ;Sg] 5 .

a}+ssf cWoIf tyf ;~rfns nuftf/ @ k6s

-cjlw_ eGbf a9L pQm kbdf lgjf{lrt jf dgf]lgt

jf lgo'Qm x'g ;Sg] 5}gg\ . of] ;+zf]lwt Joj:yf

;fwf/0f ;efaf6 kfl/t e} lgofds lgsfoaf6

clen]v ePkl5 dfq nfu' x'g] 5 .

g]kfn /fi6« a}+saf6 hf/L PsLs[t lgb]{zg @)&@

sf] lgb]{zg g+= ^ sf] a'“bf !-!^_ df ePsf] Joj:yf

adf]lhd ;+zf]wg ul/Psf] .


&= lgod #!M -s_ / -v_

s_ ;+:yfks ;d"x æsÆ af6 ^ hgf ;+rfnsx?

cfk;L ;dembf/Laf6 dgf]lgt jf lgjf{lrt x'g]5g\

. ;+rfnsx?n] cfkm' dWo]af6 ax'dtn] 5fg]sf] s'g}

Ps hgf JolQm ;ldltsf] cWoIf x'g]5 .

-v_ ;d"x ævÆ sf ;j{;fwf/0f z]o/wgLaf6

lgjf{lrt @ hgf .

s_ ;+:yfks ;d"x æsÆ af6 % hgf ;~rfnsx?

cfk;L ;dembf/Laf6 dgf]lgt jf lgjf{lrt x'g] 5g\ .

;~rfnsx?n] cfkm' dWo]af6 ax'dtn] 5fg]sf] s'g}

Ps hgf JolQm ;ldltsf] cWoIf x'g] 5 .

-v_ ;d"x ævÆ sf ;j{;fwf/0f z]o/wgLaf6

lgjf{lrt # hgf .

a}+ssf] ;+:yfks ;d"xsf] z]o/ ;+/rgfdf kl/jt{g

u/L %! M $( -;+:yfks M ;j{;fwf/0f_ k|ltzt

sfod ubf{ ;f]xL adf]lhdsf] cg'kftdf ;~rfns

;ldltdf k|ltlglwTj x'g] Joj:yf sfod ug'{kg]{

ePsf]n] .

*= lgod #@ sf] pklgod -u_ sf] -p!_M ;~rfnssf]

kfl/>lds, eQf / ;'ljwf ;DaGwL Joj:yfM

-xfn Joj:yf gePsf]_a}+ssf] ;~rfns ;ldltsf] a}7s / ;f] dftxtsf

pk;ldltsf] a}7sdf efu lng cfpg] ;~rfnsnfO{

sf7df8f}+ pkTosfdf cfp“bf jf sf7df8f}+

pkTosfaf6 aflx/ hf“bf, cfp“bf hf“bf nf g]

oftfoft vr{ jf:tljs lan adf]lhd / nlhË

;'ljwf clwstd @ /ftsf] nflu a}+sn] Joj:yf

ul/lbP adf]lhd x'g] 5 .

a}+ssf] ;~rfns ;ldlt tyf pk;ldltx?sf]

a}7sdf efu lngsf] nflu a}7s a:g] 7]ufgfdf

:yfoL a;f]jf; gePsf ;~rfnsx?nfO{ oftfoft

tyf nlhË ;DaGwL Joj:yf lgodfjnLdf /fVg

cfjZos ePsf]n] .

(= lgod #^ sf] pklgod -#_M

sfo{sf/L k|d'vsf] kbfjlw rf/ jif{sf] x'g]5 /

lghsf] k'glg{o'lQm x'g ;Sg]5 .sfo{sf/L k|d'vsf] kbfjlw rf/ jif{sf] x'g] 5 t/

nuftf/ @ k6s eGbf a9L Ps} JolQm pQm kbdf

lgo'Qm x'g ;Sg] 5}gg\ .

g]kfn /fi6« a}+saf6 hf/L PsLs[t lgb]{zg @)&@

sf] lgb]{zg g+= ^ sf] a'“bf #-!)_ df ePsf] Joj:yf

adf]lhd ;+zf]wg ul/Psf] .

d]uf a}+s g]kfn lnld6]8sf] lgodfjnLdf ul/Psf] ;+zf]wg

-ldlt @)&@÷(÷@^ ut] a:g] a}+ssf] kf“rf}+ jflif{s ;fwf/0f ;efsf] k|:tfj g+= v ;+u ;DalGwt_


qmdz===

82 d]/f] a}+s – d]uf a}+s

l6kf]6M


l6kf]6M

84 d]/f] a}+s – d]uf a}+s

l6kf]6M

Documents

ljQLo ;dfj]lztfaf6 - Mega Bank Nepal · e/tk'/ g=kf=, k 'Nrf ]s, lrtjg kmf]g g += M 056–533940÷41÷42 ÏofS; M 056–533200 d}ltb ]jL zfvf sf=d=g=kf=, d}ltb ]jL, sf7df8f }+} kmf]g