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;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8Surya Life Insurance Company Limited

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Your Future, Our Responsibility9

;+rfns ;ldltsf cWoIf >L s]zj k|;fb e§/fO{ g]kfn ;/sf/sf] ;lrj kbdf /xL nfdf] ;do sfo{/t /xg'e} ;]jf lgj[t AolQmTj x'g' x'G5 . g]kfn ;/sf/sf] ;]jfdf nfdf] cg'ej xfl;n ug{' ePsf pxfF xfn Jofkf/ tyf ;dfh ;]jfdf ;lqmo /xFb} cfpg' ePsf] 5 .

sDkgLsf] ;+rfns /xg' ePsf >L x]dGt gfxf6f Jofkf/ Joj;fosf] If]qdf ;lqmo JolQmTj x'g'x'G5 . xlg OG6/k|fOh]h k|f=ln= nufotsf sDkgLdf cfj4 /xg' ePsf pxfFn] aLdf tyf a}+sdf ;+rfns eO{ sfo{ ug'{ ePsf] 5 . s}nfz lasf; a}+sdf ;+rfns /lx ;Sg' ePsf pxfF Jofkf/ Joj;fodf lg/Gt/ ;+nUg x'g'x'G5 .

;+rfns >L ;'dg uf}td lh=s]=OGe]i6d]G6 sDkgL k|f=ln=df k|d'v sfo{sf/L clws[t kbdf sfo{/t x'g' x'G5 . pxfF nfdf] ;do b]vL Aofkf/ Aoj:ffo tyf nufgL Aoj:yfkg If]qdf lg/Gt/ ?kdf ;lqmo /xFb} cfpg' ePsf] 5 .

;+rfns ;ldlt>L s]zj k|;fb e§/fO{

>L x]dGt gfxf6f

;+rfns >L s[lt l6j8]jfn -v]tfg_ Unf]an s]ldsn k|f= nL= df 8fO{/]S6/ kbdf sfo{/t x'g' x'G5 . pxfF Aofkf/ Aoj;fo If]qdf lg/Gt/ ?kdf ;lqmo /xFb} cfpg' ePsf] 5 .

>L s[lt l6j8]jfn -v]tfg_

sDkgLsf] ;+rfns >L 8f=lagf]b cfq]o g]kfn /fi6« a}+ssf] sfo{sf/L lgb]{zs, g]kfn a}+s lnld6]8sf] k|d'v sfo{sf/L clws[t /lx sfo{ ug'{ ePsf] JolQmTj x'g'x'G5 . ;+o'Qm /fi6« ;+l3o lasf; sfo{qmddf ;d]t la1sf] ?kdf sfo{ ul/;Sg' ePsf pxfF xfn Odlh{Ë g]kfn ln=sf] k|d'v sfo{sf/L clws[t x'g'x'G5 .

sDkgLsf] ;+rfns /xg' ePsf >L lazfn cu|jfn /]z' u|'k ckm sDklghsf pkfWoIf x'g'x'G5 . s]=kL= l;d]G6 OG8l:6«h k|f=ln=, ;gfx Soflk6n k|f=ln, sdn lagfos 8]Enk;{ k|f=ln=df ;+rfns /xg' ePsf pxfF Aofkf/ Aoj;fosf] If]qdf lqmoflzn AolQmTj x'g'x'G5 .

sDkgLsf] :jtGq ;+rfns >L u+uf k|;fb zdf{ ;/sf/L ;]jfdf nfdf] ;do sfo{/t /xg' ePsf] / ;]jf cjlwdf g]kfn ;/sf/sf] cy{dGqfno cGtu{tsf ljleGg lgsfodf ;]jf/t /xg' ePsf] lyof] . pk–;lrj kbaf6 cjsfz k|fKt pxfF ;]jf cjlwdf x]6f}8f l;d]G6sf] ;+rfns /xg' ePsf] lyof] .

>L 8f= lagf]b cfq]o

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!= gjf}+ jflif{s ;fwf/0f ;efsf] ;"rgf !

@= ;fwf/0f ;ef ;DaGwL ;fdfGo hfgsf/L @

#= k|f]S;L kmf/fd #

$= cWoIfHo"sf] dGtJo %–^

%= ;+rfns ;ldltsf] k|ltj]bg &–!!

^= cfly{s jif{ @)&@÷)&# sf] n]vfk/LIfssf] k|ltj]bg !@–!#

&= cfly{s jif{ @)&@÷)&# sf] ljlQo ljj/0f !$–%!

*= ljlQo ljj/0f :jLs[t kq %@

(= sDkgLsf aLdf of]hgfx? %#–%$

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;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{noM lj/f6gu/–(, df]/Ë

skf]{/]6 sfof{noM rf}yf] tNnf, rf6{/ 6fj/, ;fgf]uf}r/g, 1fg]Zj/, sf7df08f}+, Email: [email protected]

gjf}+ aflif{s ;fwf/0f ;ef ;DaGwL ;"rgf-Kf|yd k6s ;"rgf k|sflzt ldltM @)&$.)%.)$ ut]_

o; sDkgLsf] ldlt @)&$÷)%÷++)! ut] ljlxaf/ - tb\g';f/ !& cu:t @)!&_ a;]sf] ;+rfns ;ldltsf] !(& cf}+ a}7ssf] lg0f{ofg';f/ sDkgLsf] gjf}+ aflif{s ;fwf/0f ;ef lgDg ldlt, :yfg / ;dodf lgDg lnlvt ljifox? pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf ;Dk"0f{ z]o/wgL dxfg'efjx?sf] pkl:yltsf] nflu cg'/f]w ub{5' .

;ef x'g] ldlt, :yfg / ;do M ldlt M @)&$÷)%÷@& ut] d+unaf/ -tb\g';f/ !@ ;]K6]Da/ @)!&_ :yfg M pBf]u ;+u7g df]/Ësf] ;efsIf, zlxbdfu{, tLgk}gL, lj/f6gu/ ;do M laxfg !!M)) jh]

5nkmnsf ljifox? M-s_ ;fwf/0f k|:tfj cGtu{t M != cWoIfHo"sf] dGtJo tyf ;+rfns ;ldltsf] aflif{s k|ltj]bg pk/ 5nkmn u/L kfl/t ug{] . @= n]vf k/LIfssf] k|ltj]bg ;lxt @)&# cfiff9 d;fGtsf] jf;nft tyf ;f]lx ldltdf ;dfKt cf=j= @)&@÷)&# sf] gfkmf–

gf]S;fg lx;fa tyf gub k|jfx ljj/0f / tt\;DjGwL cg';"lrx? Dffly 5nkmn u/L kfl/t ug{] . #= n]vf k/LIf0f ;ldltsf] l;kmfl/; adf]lhd cf=j= @)&#÷)&$ sf] nflu n]vf k/LIfssf] lgo'QmL ug]{ / lghsf] kfl/>lds

lgwf{/0f ug]{ . -jt{dfg n]vf k/LIfs a]s/ l6NnL b]j Pzf]l;P6\; rf6{8 Psfp06]06 k'gM lgo'lQm x'g g;Sg] ._ $= ;+rfns ;ldltn] k|:tfj u/] adf]lhd z]o/ nfef;+ -af]g; z]o/_ hf/Lsf] nflu s/ k|of]hgfy{ )=%@^# k|ltzt cyf{t

?= #$,%#,($&.– -cIf/]kL rf}lt; nfv lqkGg xhf/ gf} ;o ;8\rfln; ?k}of_ gub nfef+; l:js[t ug]{ . %= ;j{;fwf/0f z]o/wgLsf] tkm{af6 l/Qm /x]sf] sDkgLsf] ;+rfns ;ldltsf] ;b:o kbdf ldlt @)&$.)$.#! sf] ;+rfns

;ldltsf] !(^ cf}+ a}7sn] >L s[lt l6j8]jfn -v]tfg_nfO{ ;+rfns ;ldltsf] afFsL sfo{sfnsf] nflu ;+rfns ;ldltsf] ;b:o kbdf ul/Psf] lgo'lQm cg'df]bg ug]{ .

v= ljz]if k|:tfj cGtu{t M != ;+rfns ;ldltn] l;kmfl/; u/] cg';f/ cfly{s aif{ @)&@.&# sf] d'gfkmfaf6 xfn sfod /x]sf] r'Qmf k"Flh ?= ̂ %,^@,%),))).–

sf] !) k|ltztn] x'g] ?= ̂ ,%^,@%,))).– sf] z]o/ nfef;+ -af]g; z]o/_ ljt/0f ug]{ k|:tfj kfl/t ug]{ . ;fy} z]o/ nfef;+ -af]g; z]o/_ lat/0f ubf{ sfod x'g cfpg] bzdna kl5sf] leGg c+s (Fraction)nfO{ ;DaGwLt z]o/wgLsf] gfddf kl5 ;dfof]hg ug]{ ul/ oyfjt /fVg] .

@= z]o/ nfef;+ -af]g; z]o/_ hf/L ug]{ ljz]if k|:tfj kfl/t eP kZrft x'g cfpg] r'Qmf k"\FhLsf] $) k|ltzt xsk|b z]o/ (Right Share) hf/L ug]{ k|:tfj kfl/t ug]{ .

#= z]o/ nfef;+ -af]g; z]o/_ tyf xsk|b z]o/ hf/L u/] kZrft x'g] z]o/ ;+/rgf adf]lhd hf/L tyf r'Qmf k"FlhnfO{ ;f]xL cg'?k a[l4 ug]{ ;fy} ;f]xL adf]lhd sDkgLsf] k|aGwkq tyf lgodfjnLdf ;+;f]wg ug]{ .

$= æsDkgLsf z]o/wgLn] cfkm'n] vl/b ug{ kfpg] xsk|b z]o/ vl/b ug{ grfx]df lghn] cfkm\gf] xs afktsf] z]o/ vl/b clwsf/ cGo AolQmnfO{ xs x:tfGt/0f jf ljqmL ug{ ;lsg] 5 .Æ elg sDkgLsf] lgodfjnLdf lgod @& -#_ yk ug]{ .

%= sDkgLsf] k|aGwkq tyf lgodfjnLdf k|:tfj eP adf]lhd ;+;f]wg Pj+ l:js[tLsf] qmddf lgodgsf/L lgsfoaf6 s'g} ;+zf]wg, km]/abn ug{ jf yk36 ug{ lgb]{zg k|fKt ePdf ;f]xL adf]lhd ug{ ;+rfns ;ldltnfO{ ;Dk"0f{ clVtof/L k|bfg ug]{ .

^= aLdssf] ;+:yfut ;'zf;g lgb]{lzsf, @)&# adf]lhd laleGg ;ldlt tyf pk;ldltx?nfO{ k|bfg ul/Psf] a}7s eQfsf] cg'df]bg ug]{ .

&= sDkgL -klxnf] ;+zf]wg_ P]g, @)&$ sf] bkmf !)% -!_ -u_ adf]lhd cf=j= @)&@.&# df rGbf zLif{s cGtu{t ePsf] vr{sf] cg'df]bg ug]{ .

u= ljljw ;+rfns ;ldltsf] cf1fn] /fh' /fhrn sDkgL ;lrj

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!= sDkgLsf] z]o/ bflvn vf/]h oxL ldlt @)&$÷)%÷)( ut] b]lv ldlt @)&$÷)%÷!% ;Dd aGb /xg] 5 . z]o/ bflvn vf/]h aGb ul/Psf] ldlt eGbf cufj} @)&$÷)%÷)* ut] k'/f lbg ;Dd g]kfn :6s PS:r]Gh ln=df sf/f]jf/ eO{ ;f] sf] & lbg leq bflvn vf/]hsf] nflu z]o/ /lhi6«f/ gljn O{Ge]i6d]06 a}+lÍª lnld6]8 gf/fo0frf}/, gS;fnaf6 k|fKt ljj/0fsf] cfwf/df z]o/wgLsf] /]s8{ sfod ul/g] 5 .

@= ;efdf pkl:yt x'g] z]o/wgL dxfg'efjx?n] k|j]zkq jf ;Ssn z]o/ k|df0fkq jf cflwsf/Ls kl/ro kq ;fydf lnO{ cfpg cg'/f]w 5 .

#= ;ef x'g] lbg ;efdf pkl:yltsf nflu xflh/ k'l:tsf ljxfg !)=)) ah] b]lv ;ef ;~rfng ;do ;Ddsf] nflu v'Nnf /xg] 5 .

$= z]o/wgL dxfg'efjx?nfO{ z]o/wgLsf] btf{ lstfadf sfod /x]sf] 7]ufgfdf jflif{s k|ltj]bg k'l:tsf k7fOg] 5 . s'g} sf/0fjz pQm k'l:tsf gkfpg' ePdf sDkgLsf] skf]{/]6 sfof{noaf6 tyf gljn O{Ge]i6d]06 a}+lÍª lnld6]8

gf/fo0frf}/, gS;fnaf6 k|fKt ug{ ;lsg] 5 .

%= k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] ;Dk'0f{ z]o/sf] k|ltlglw Pp6} JolQm -ljefhg gx'g] u/L_ x'g] u/L k|ltlglw–kq -k|f]S;L kmf/fd_ e/L sDkgLsf] skf]{/]6 clkm;df ;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 sDkgLsf] z]o/wgL x'g' clgjfo{ 5 .

^= gfjfns jf czQm jf dfgl;s ;Gt'ng gePsf z]o/wgLx?sf] tkm{af6 sDkgLsf] z]o/ nut lstfadf ;+/Ifssf] ?kdf gfd btf{ ePsf] JolQmn] ;efdf efu lng jf k|ltlglw tf]Sg kfpg]5g\ .

&= Ps} z]o/wgLn] Ps eGbf a9L k|ltlglw -k|f]S;L_ lgo'Qm ug{' ePsf] cj:yfdf klxnf] btf{ x'g] k|f]S;L dfGo x'g]5 . To;kl5 cfpg] k|f]S;L :jtM jb/ jf cdfGo x'g]5 .

*= ;+o'Qm ?kdf z]o/ vl/b ul/Psf] cj:yfdf z]o/ nut lstfadf klxn] gfd pNn]v ePsf] JolQm cyjf ;j{;Ddtaf6 k|ltlglw lgo'Qm ul/Psf] Ps JolQmn] dfq ;efdf efu lng / dtbfg ug{ kfpg]5g\ .

(= ;efdf efu lng k|ltlglw -k|f]S;L_ lgo'Qm ul/;s]kl5 ;DalGwt z]o/wgL :jod ;efdf pkl:yt x'g cfPdf z]o/wgLn] ul/lbPsf] k|ltlglw -k|f]S;L_ :jtM jb/ x'g]5 .

!)= s'g} ;+ul7t ;+:yf jf sDkgLn] z]o/ vl/b u/]sf] xsdf sfo{sf/L k|d'vn] b:tvt u/L dgf]lgt u/]sf] k|ltlglwn] z]o/jfnfsf] x}l;otn] ;efdf efu lng ;Sg' x'g]5 .

!!= 5nkmnsf ljifo÷;"rL dWo] ljljw zLif{s cGtu{t 5nkmn ug{ OR5's z]o/wgLn] ;ef x'g' eGbf & -;ft_ lbg cufj} 5nkmnsf] ljifo sDkgL ;lrj dfkm{t ;+rfns ;ldltsf] cWoIfnfO{ lnlvt ?kdf lbg'kg{]5 .

!@= ;ef :yndf xftxltof/ ;lxtsf] k|j]znfO{ k"0f{tof lgif]w ul/Psf] 5 . ;ef :yn k|j]z ubf{ cfjZostf cg'?k emf]nf tyf cGo a:t' r]s hfFr ug{ ;lsg] 5 .

!#= yk hfgsf/Lsf] nflu sDkgLsf] skf]{/]6 sfof{nodf ;Dk{s /fVg' x'g cg'/f]w ub{5f}+ .

;fwf/0f;ef ;DaGwL ;fdfGo hfgsf/L



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Kf|ltlglw lgo'Qm ePsf] JolQmsf] lgj]bsgfdM b:tvtx:tfIf/ gd'gfM gfdMz]o/wlg g+=M 7]ufgfMlxtu|fxL vftf g+=M z]o/wlg g+= lxtu|fxL vftf g+=M z]o/ ;+Vof ldltM

b|i6AoM of] lgj]bg ;ef x'g' eGbf sDtLdf $* 306f cufj} sDkgLsf] /lhi68{ sfof{nodf k]z ul/;Sg' kg]{5 .

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;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] ldlt @)&$ efb| @& ut] d+unjf/ x'g] gjf}+ aflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] k|j]z kq .

Zf]o/wlgsf] b:tvt M

b|i6AoM != z]o/wlg cfkm}n] vfnL sf]i7x? eg'{xf]nf . ====================================@= ;ef sIfdf k|j]z ug{ of] k|j]z kq k|:t't ug'{ clgjfo{ 5 . sDkgL ;lrj




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

>L ;"of{ nfOkm OG:of]/]G; sDkgLsf] o; gjf}+ aflif{s ;fwf/0f ;efdf pkl:yt z]o/wgL dxfg'efjx?, ko{j]Ifs k|ltlgwLx?, n]vf k/LIfs tyf sDkgLsf kbflwsf/L / sd{rf/Lju{ nufot o; ;efdf pkl:yt ;Dk"0f{ dxfg'efjx?nfO{ ;~rfns ;ldlt Pj+ d]/f] JolQmut tkm{af6 xflb{s :jfut tyf clejfbg ub{5'' .

ætkfO{sf] elaio xfd|f] cleef/fÆ eGg] d"n gf/f ;lxt hLjg aLdfsf] If]qdf kfOnf 6]s]sf] o; sDkgLn] ljleGg cf/f]x cj/f]x kf/ ub{} ( cf}+ aif{ ;kmntfk"j{s ;DkGg u/]sf] hfgsf/L u/fpg kfpFbf dnfO{ uj{ cg'e'lt ePsf] 5 .

sDkgLn] cf=j= @)&@.&# df k|yd aLdfz'Ns tkm{ ?= $),!@,$@,^%!.–, glas/l0fo aLdfz'Ns tkm{ ?= $),&!,&%,)*).–, a}b]lzs /f]huf/L aLdfz'Ns tkm{ @#,^^,^&,@$@.– / Psn aLdfz'Ns ?= #,#%,^*,)%#.–u/L hDdf !,)&,*^,%#,)@^.– ;+sng ug{ ;kmn ePsf] 5 . cl3Nnf] cf=j= @)&!.&@ df ePsf] s'n Aoj;fo ?= &@,%*,)@,%#%.– sf] t'ngfdf of] ^&=@( k|ltztsf] a[l4 xf] . ;fy} sDkgLsf] laut jif{sf] t'ngfdf hLjg jLdf sf]ifdf %^=^! k|ltztn] j[l¢ ePsf] Aoxf]/f ;d]t hfgsf/L u/fpFb5' .

aLdf ;ldltaf6 hf/L ul/Psf gofF nufgL gLlt cg'?k laleGg If]qdf nufgLnfO{ lalalws/0f u/L al9 k|ltkmn ;'lglZrt ug]{ tkm{ sDkgL ;b}j ;+a]bglzn /x]sf] 5 . sDkgLsf] k"FhL j[l4nfO{ b[li6ut ul/ o; cfly{s aif{df ljt/0fof]Uo d'gfkmfaf6 !) k|ltzt af]g; z]o/ tyf s/ k|of]hgsf] nfuL )=%@^# k|ltzt cyf{t ?= #$,%#,($&.– gub nfef+z ljt/0f ug]{ k|:tfj u/]sf 5f} . ;f] z]o/ nfefF; ljt/0f kZrft x'g cfpg] r'Qmf k"FhLsf] $) k|ltzt xsk|b z]o/ hf/L ug]{ k|:tfj klg o;} ;efdf k]z u/]sf 5f}+ . kfl/t z]o/ nfefF; tyf xsk|b hf/L kZrft sDkgLsf] r'Qmf k"FhL ?= !,)!,)^,@%,))).– x'g]5 . cfufdL lbgx?df klg lg/Gt/ z]o/ nfefF; tyf xsk|b z]o/ hf/L u/L lgodgsf/L lgsfon] tf]s]sf] ;do ;Ldf leq} cfjZos r'Qmf k"FhL k'¥ofpg] nIo lnPsf 5f}+ .

aLdf ahf/sf cfjZostf cg'?ksf aLdf ;]jfx? pknAw u/fO{ aLdf ahf/df cfkm\gf] bl/nf] pkl:ytL u/fpg] nIo lnO{ ;+rfng/t of] aLdf sDkgL r':t ;+:yfut ;'zf;g tyf kf/blz{tf k|lt k|ltj4 /x]sf] Aoxf]/f hfgsf/L u/fpFb5' . sDkgLsf] cfGtl/s sfd sf/jfxLx?sf] k|efjsf/Ltf dfkm{t sDkgLsf] k|lti7f pRr agfO{ /fVg ;+rfns ;ldlt, ;+rfns ;ldlt cGtu{tsf pk–;ldltx? ;d]t bQlrQ /x]sf] Aoxf]/f ;d]t z]o/wgL dxfg'efjx? ;dIf lgj]bg ug{ rfxG5' .

aLdf ahf/df ylkPsf r'gf}tLx?nfO{ ;fdgf ug{ ;do ;fk]If /0fg}lts of]hgf th{'df ub}{ cfPsf 5f}+ . xfn aLdf ahf/df 7"nf] ;+Vofdf ylkPsf aLdf sDkgLsf sf/0f yk k|lt:kwf{ a9\g uO{ Aoj;fo la:tf/df 7"nf] r'gf}lt ;fdgf ug{ kg]{ cj:yf ;[hgf ePsf] 5 . o; kl/k]Ifdf sDkgLn] aLdf ahf/sf] cWoog tyf cg';Gwfg u/L gofF /0fgLlt ;lxt cuf8L a9\g] / cfjZostf cg';f/ yk aLdf of]hgfx? aLdf ahf/df k|:t't u/L hLjg aLdf If]qdf alnof] kSs8 agfpg] gLlt lnOPsf] 5 . ;+:yfsf] zfvf ;+hfndf a[l4, aLldt tyf ;]jfu|fxLx?nfO{ cfjZos u'0f:tl/o ;]jf tyf ;'ljwf, clestf{x?nfO{ lqmofzLn agfpg] sfo{qmd, clestf{ Pj+ aLldtx?nfO{ k|bfg ul/Psf] C0f c;'nLdf lta|tf, Go'g cfo ePsf ljkGg au{x?nfO{ ;d]t ;d]6\g] u/L n3' aLdf ;DaGwL of]hgfx? / ;+:yfut clestf{ dfkm{t ;d]t Aoj;fo a[l4 ug]{ nIo /x]sf] hfgsf/L u/fpg rfxG5' .

;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] gjf}+ aflif{s ;fwf/0f ;efdfcWoIf >L s]zj k|;fb e§/fO{Ho"af6 k|:t't dGtJo



cGTodf,

sDkgLsf] ;+rfngdf xfdLnfO{ k|fKt eO{/x]sf] lg/Gt/ ;xof]u / ;fysf nfuL d >L aLdf ;ldlt, >L g]kfn lwtf]kq af]8{, >L sDkgL /lhi6«f/sf] sfof{no, >L g]kfn :6s PS;r]Gh lnld6]8, z]o/ /lhi6«f/ >L gljn OGe]i6d]06 a}+lsª lnld6]8 tyf cGo ;/f]sf/jfnf lgsfox? k|lt x[bo b]lv g} xflb{s s[t1tf 1fkg ug{ rfxG5' . ;fy} ;+:yfsf] p4]Zo tyf nIo xfl;n ug]{ cleofgdf cys of]ubfg ug'{ x'g] st{Aolgi7 sd{rf/Lx?, ;+:yf k|lt b[9 laZjf; /fvL ;xof]u ug]{ clestf{x?, dfu{lgb]{z u/L ;xof]u k'¥ofpg] z]o/wgL dxfg'efjx?, ;+:yfnfO{ laZjf; ug]{ ;Dk"0f{ aLldt w/f]x/x?sf ;fy} ;+:yfsf] ;fv, >La[l4sf nfuL k|ToIf tyf ck|ToIf ?kdf ;xof]u k'¥ofpg] ;Dk"0f{ z'e]R5'sx? k|lt xflb{s wGojfb 1fkg ug{ rfxG5' .

wGojfb .

s]zj k|;fb e§/fO{ cWoIf



;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] gjf}+ aflif{s ;fwf/0f ;efdf sDkgL -klxnf] ;+zf]wg_ P]g, @)&$ sf] bkmf !)( cg';f/ ;+rfns ;ldltn]

tof/ ul/ ;ldltsf] tkm{af6 cWoIf >L s]zj k|;fb e§/fO{Ho"af6 k|:t't k|ltj]bg M

-s_ ljut aif{sf] sf/f]af/sf] l;+xfjnf]sgM sDkgLn] ub}{ cfPsf] hLjg aLdf Joj;fo ljut jif{x?sf] t'ngfdf ck]lIft ?kdf j[l¢ x'b} uPsf] 5 . Joj;fo la:tf/

Pj+ k|aw{g ug{ sDkgLn] clVtof/ u/]sf /0fgLlts of]hgfx?sf] kl/0ffd sDkgLsf] sf/f]jf/df ck]Iffs[t ?kdf j[l¢ x'g uPsf] cj:yf 5 . ldlt @)^%.)!.!! ut] b]lv ljlwjt ?kdf hLjg jLdf Joj;fo ;+rfng u/]sf] o; sDkgLn] ljut rf/ cfly{s jif{sf] cjlwdf u/]sf] sf/f]jf/ tyf k|fKt pknlAwsf d'Vo ;"rsx? Zf]o/wgL dxfg'efjx? ;dIf k|:t't ug{ rfxfG5' .

qm=;+= ljj/0fcf=j=

@)&@÷&#cf=j=

@)&!÷&@cf=j=

@)&)÷&!cf=j=

@)^(÷&)

! s'n aLdfz'Ns 1,078,653,026 &@,%*,)@,%#% $!,%),%),#!) @!,^%,!%,@#!

@ k|yd aif{sf] aLdfz'Ns 401,242,651 @$,&),(!,$#% !(,%(,^$,%&* ^,(@,)@,!(%

# s'n Joj:yfkg vr{ 241,171,864 !%,(),@*,@#& (,*$,@&,^)& $,(!,^#,**)

$ v"b gfkmf 132,466,752 @,!(,$!,%$* $,#&,(!,#)@ $,)@,*!,$(!

% hLjg aLdf sf]if 1,646,024,767 !,)%,!),)),($& ^&,@@,((,!!$ $!,(&,%$,^(@

^ s'n nufgL -cNksflng ;d]t_ 2,319,457,579 !,^!,#$,#%,^&( !,!%,%),*^,^@! *^,)#,(&,)$&

& aLdf clestf{ ;+Vof 6,569 $,@)@ #,!&( #,##@

* sd{rf/L ;+Vof 217 @)^ !%* !@!

( s'n sfod /x]sf] aLdfn]vsf] ;+Vof 271416 !&$!() &#,*@@ #(,#)!

!) sfod /x]sf] aLdfÍ /sd 130,154,113,749 &@,(#,%!,!),(#& @$,**,#%(,^** !!,)^,)),^#,&))

!! hLjg jLdf of]hgfx? 10 !) !) (

!@ zfvf sfof{nox? 67 ^& %$ #^

!# bfjL e'QmfgL v'b 57,076,284 #,%&,%(,%() !,@%,@&,^^$ $%,(&,$$&

jLdf sf]ifsf] d"Nofs+g lgodgsf/L lgsfo aLdf ;ldltsf] ldlt @)^(÷%÷& sf] lgb]{zfg';f/ hLjg aLdf sDkgLn] k|To]s Ps÷Ps aif{df

hLjg aLdf sf]ifsf] d"Nof+sg jLdfÍLjf6 u/fpg' kg]{ Joj:yf ul/Psf]df ;f] lgb]{zgsf] kl/kfngf ub}{ sDkgLn] cf=j= @)&@.)&# ;Ddsf] hLjg aLdf sf]ifsf] d"Nof+sg u/fO{ jLdfÍLjf6 gofF jf]g; b/ ;d]t sfod ePsf] 5 .

v_ /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/nfO{ s'g} c;/ k/]sf] eP ;f] c;/ M hLjg aLdf Aoj;fosf] sf/f]jf/nfO{ Aojl:yt / k|efjsf/L agfpgsf nfuL plrt jftfj/0fsf] cfjZostf x'G5 .

xfn k|rngdf /x]sf gLlt, lgod tyf sfg'gL Aoj:yfx? hLjg aLdf Aoj;fosf] sf/f]jf/nfO{ Aojl:yt agfpgsf



nfuL k|efjsf/L x'g ;ls/x]sf] b]lvb}g . aLdf sDkgLn] ug]{ nufgLsf If]qx?sf] bfo/f a9fpg ;s]df aLdf Aoj;fosf] ck]Iffs[t lasf; x'g] cj:yf b]lvG5 . d'n'sdf laBdfg /fhg}lts cl:y/tfsf] sf/0f aLdf sf/f]jf/df k|efj b]lvPsf] kfOG5 . ;du| cy{tGq ;jlns/0fsf nfuL k|ofKt k"jf{wf/x?sf] plrt Aoj:yf gx'Fbf sDkgLn] ug]{ hLjg aLdf Aoj;fodf c;/ kg{ uPsf] cj:yf 5 . tyfkL xfn laBdfg c;xh cj:yfx?sf afah'b sDkgLn] of]hgfa4 ?kdf aLdf Aoj;fo k|aw{g ug{sf nfuL lg/Gt/ sfo{ ul//x]sf] /x]sf] hfgsf/L u/fpF5' .

-u_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn' aif{sf] pknAwL / eljiodf ug'{kg]{ s'/fsf] ;DjGwdf ;~rfns ;ldltsf] wf/0ffM

rfn' cf=j=, @)&$ c;f/ d;fGt ;Ddsf] sf/f]jf/sf] ;+lIfKt ljj/0fM jLdfn]v ;+Vof M @,&!,$!^ jLdf z'Ns M ?= !,)&,*^,%#,)@^.)) s'n bfjL e'QmfgL M ?= *,)!,(),##( hLjg jLdf clestf{x?sf] ;+Vof M @@,!$& hLjg jLdf of]hgfx? M !) zfvfx? M ^& sDkgLsf] rfn' aif{ ;Ddsf] k|fKt pknAwLnfO{ ;ldIff ubf{ sDkgL lg/Gt/ k|ultkydf /x]sf] 5 . sDkgLsf] Aoj;fo

a[l4 ug{sf nfuL sDkgLn] clVtof/ u/]sf] /0fgLlts of]hgfx?sf] sf/0f k|ltkmndf a9f]Q/L eO{/x]sf] 5 . oBkL ljutdf nIo cg'?k aLdf Aoj;fo x'g g;s]sf] cj:yf /x]sf] eP klg cfufdL lbgdf Aoj;flos /0fgLlts of]hgfx?sf] k|efjsf/L sfof{Gjog u/L nIo cg'?ksf] Aoj;flos pknAwL xfl;n ug{ s]lGb|t x'g] hfgsf/L u/fpF5f}+ . sDkgLsf] hLjg aLdf Joj;fosf] lasf;df k|ToIf e'ldsfdf /x]sf clestf{x?sf] ;+Vof j[l4 ug{ / plgx?sf] bIftf clea[l4 u/L Aoj;fo k|aw{gdf ;lqmo agfO{g]5 . b]zJofkL ?kdf clestf{ tflnd ;+rfng ug]{, k'gtf{huLs/0f sfo{qmdx? ;+rfng ug]{, clestf{x?sf] lqmoflzntfsf nfuL ahf/ laefu ;Da4 zfvf tyf sd{rf/Lx?nfO{ kl/rfng ug]{ sfo{nfO{ k|efjsf/L agfO{g]5 . cfufdL lbgdf aLdf ahf/sf] cWoog ul/ ;+efJotfsf] cfwf/df cfjZostf cg';f/ pko'Qm tyf k|efjsf/L hLjg jLdf of]hgfx? NofO{g]5 . al9 eGbf al9 dflg;x?nfO{ sDkgLsf] aLdf of]hgfdf cfj4 ug{sf nfuL hgr]tgfd'ns sfo{qmdx? Kf|efjsf/L ?kdf ;+rfng ul/g]5 .

-3_ sDkgLsf] cf}Bf]lus jf Joj;flos ;DaGwM sDkgLn] cfˆgf] Aoj;fonfO{ la:tf/ Pj+ k|aw{g ug{sf nfuL cf}Bf]lus tyf Aofkfl/s If]q ;+usf] ;DaGwnfO{

k|efjsf/L agfpg] gLlt clVtof/ u/]sf] 5 . cf}Bf]lus If]q ljlQo ;jntf ePsf] If]q ePsfn] Aoj;fo lasf;df pNn]Vo of]ubfg ug{ ;Sg] 7fg]/ sDkgLn] ;DaGw la:tf/ ;u} ;xsfo{sf] of]hgf ;d]t cuf8L ;fl//x]sf] 5 . sDkgLn] Aoj;flos sfo{ If]q lj:tf/ ug{ cf}Bf]lus k|lti7fgx?, a}Í, laQLo ;+:yf, ;xsf/L ;+:yfx?, ;+ul7t ;+:yfx?, ;/sf/L Pj+ u}/;/sf/L ;+:yfx? ;+usf] ;DaGw ;'b[9 ub}{ nlu/x]sf] 5 . cf}Bf]lus Pj+ ljlQo If]qdf x'g] kx'Frn] sDkgLsf] Aoj;fo k|aw{gdf pNn]Vo of]ubfg k'Ug] 7fg]/ ;'dw'/ ;DaGw la:tf/ ug{ of]hgfa4 ?kdf cufl8 a9\b} uO{/x]sf 5f}+ .

-ª_ ;~rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] sf/0fM cf=j= @)&#÷)&$ df ;+:yfks z]o/wgL >L dx]z s'df/ cu|jfnsf] ldlt @)&#.)^.)( af6 l:js[t /flhgfdf

kl5 l/Qm /x]sf] ;+rfns kbdf ;f]xL ;d'xsf z]o/wgL >L lazfn cu|jfnnfO{ lgo'Qm ul/Psf] lyof] . ;fy} ;+:yfks z]o/wgL o'gfO{6]8 OGe]i6d]G6sf k|ltlgwL >L s]zj k|;fb e§/fO{sf] ldlt @)&#.)&.#) df l:js[t /flhgfdf kZrft l/Qm /x]sf] ;+rfns kbdf ldlt @)&#.!).)% df >L ljgf]b cfq]o lgo'Qm x'g ePsf] lyof] . ldlt @)&$.)!.!$ ePsf] sDkgLsf] cf7f}+ jflif{s ;fwf/0f ;efdf ePsf] lgjf{rgaf6 ;+:yfks z]o/wgLx? o'gfO6]8 OGe]i6;{ k|f=ln=sf k|ltlgwL >L s]zj k|:ffb e§/fO{, >L x]dGt gfxf6f, Unf]an 6«]l8ªsf k|ltlgwL >L lagf]b cfq]o, >L lazfn cu|jfn / ;j{;fwf/0f z]o/wgLsf tkm{af6 >L ;'dg uf}td rog x'g' ePsf] lyof] .



-r_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx?M b]zdf /fhgLlts cl:y/tf sfod /lx/xg', cfly{s lasf;sf nfuL of]hgfa4 ?kdf sfo{ x'g g;Sg', cf}Bf]lus ljsf;

ck]Iff ul/P cg';f/ x'g g;Sg', nufgLsf] bfo/f l;ldt x'g', Joj;fo k|aw{gsf nflu cfjZos kg]{ lb3{sflng k"FhL kl/rfngnfO{ k|f]T;fxg ug]{ gLltsf] cefa x'g', hLjg jLdf k|lt cfd ?kdf hgr]tgfsf] cefj xg' cfbL sf/0fn] hLjg jLdf sf/f]jf/nfO{ c;/ k'¥ofO{/x]sf 5g\ . lgodgsf/L lgsfo tyf cGo ;/f]sf/jfnf lgsfox?af6 ;do ;dodf hf/L x'g] tyf kl/jt{g x'g] lgod tyf lgb]{zgx?af6 sDkgLsf] sf/f]j/df c;/ kg]{ b]lvP klg h'g ;'s} r'gf}ltk"0f{ kl/l:ytLnfO{ cfTd;fy u/L sDkgLn] pko'Qm /0flglt agfO{ Aoj;fo la:tf/ tyf k|aw{gdf lg/Gt/ ;lqmo eO{/x]sf] 5 .

-5_ n]vfkl/If0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|ltlqmofM n]vfkl/If0f k|ltj]bgdf s'g} s}lkmot pNn]v gePsf] Joxf]/f hfgsf/L u/fpb5f} .

-h_ nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sdM cf=j= @)&@.&# ;Ddsf] d'gfkmfaf6 sDkgLsf z]o/wlgx?nfO{ r'Qmf k"+lh ? ̂ %,^@,%),))).– sf] !) k|ltztsf b/n]

x'g] ?= ^%,^@%,))).– sf] af]g; z]o/ / ;f] af]g; z]o/sf] s/ k|of]hgfy{ )=%@^# k|ltzt cyf{t #$,%#,($&.– gub nfef+z k|bfg ug]{ k|:tfj ul/Psf] 5 . pQm k|:tfj ul/Psf] af]g; z]o/ ljt/0f ug]{ k|:tfj kfl/t eP kZrft z]o/wgLx?nfO{ ljt/0f ul/g] Aoxf]/f hfgsf/L u/fpFb5' .

-em_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] c+lst d"No, To:tf] z]o/ hkmt x'g'eGbf cufj} ;f] jfkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ ljqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/jfkt /sd lkmtf{ u/]sf] eP ;f] sf] ljj/0fM

sDkgLsf] k|ltj]bgsf] ldlt ;Dd s'g} z]o/ hkmt u/]sf] 5}g .

-`_ ljut cfly{s aif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s aif{sf] cGtdf /x]sf] l:yltsf] k'g/fjnf]sgM

sDkgLsf] cf=j @)&@.&# sf] ljlQo ljj/0f o;} k|ltj]bg ;fy ;+nUg 5 . o; sDkgLsf] s'g} ;xfos sDkgL g/x]sf] .

-6_ sDkgL tyf To;sf] ;xfos sDkgLn] cly{s aif{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{gM

sDkgLsf] sf/f]jf/sf] ljlQo ljj/0f o;} ;fy ;+nUg ul/Psf] 5 . o; sDkgLsf] s'g} ;xfos sDkgL g/x]sf] .

-7_ ljut cfly{s aif{df sDkgLsf] cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/LM To:tf] laz]if hfgsf/L k|fKt ePsf] 5}g .

-8_ ljut cfly{s aif{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/LM

cf=j= @)&@.)&# df sDkgLsf ;~rfns tyf kbflwsf/Lx?sf] z]o/ :jfldTjsf] ljj/0f lgDg adf]lhd 5 / z]o/ sf/f]jf/df lghx?sf] To:tf] s'g} ;+nUgtf /x]sf] hfgsf/L k|fKt ePsf] 5}g .

s|=;+= ;+rfns tyf kbflwsf/Lsf] gfd Kfb lsQf! >L /fd afa' kGt cWoIf @^)$@@ >L x]dGt gfxf6f ;+rfns #$&@## >L lagf]b cfq]o -k|ltlgwL M Unf]an 6«]l8ª sG;g{ k|f=ln=_ ;+rfns (@#(&$ >L lazfn cu|jfn ;+rfns #&%!



% >L u+uf k|;fb zdf{ :jtGq ;+rfns 5}g^ >L lagf]b s'df/ Kofs'/]n -k|ltlgwLM >L k|8]lG;on Soflk6n

Dofg]hd]06 sDkgL k|f=ln=_;+rfns !))

-9_ ljut cfly{s aif{df sDkgL;Fu ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] AolQmut :jfy{sf] af/] pknAw u/fO{Psf] hfgsf/L Aoxf]/fM

5}g .

-0f_ sDkgLn] cfˆgf] z]o/ cfkm}+n] vl/b u/]sf] eP To;/L cfˆgf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / c+lst d"No tyf To;/L z]o/ vl/b u/]jfkt sDkgLn] e'QmfgL u/]sf] /sdM

5}g .

-t_ cfGtl/s lgoGq0f k|0ffnL ePsf] jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0fM sDkgLdf cfGtl/s lgoGq0f k|0ffnL /x]sf] 5 . sDkgLdf x'g] hf]lvdnfO{ lgoGq0f ug{sf nflu cfGtl/s lgoGq0f

k|0ffnLnfO{ k|efjsf/L agfO{Psf] 5 . sDkgLn] ;km\6j]o/ (Software) sf] dfWod4f/f ;Dk"0f{ sfo{x? ub}{ cfPsf]n] cfGtl/s lgoGq0f k|0ffnL Aojl:yt /x]sf] 5 . hLjg jLdf Joj;fodf x'g] hf]lvd (Underwriting) tyf nufgL hf]lvd lgoGq0f ug{sf nflu hf]lvd Joj:yfkg tyf ;f]ne]G;L pk–;ldltdf 5nkmn ug]{ ul/Psf] 5 . zfvf tyf pk–zfvfx?sf] JofAoj;flos ultlalw tyf cfly{s sf/f]jf/sf] ljj/0f kf/bzL{ agfpg cfjZos l/kf{]l6ªsf] Joj:yf ul/Psf]n] sDkgLdf cfGtl/s lgoGq0fsf] cj:yf k|efjsf/L /x]sf] 5 .

-y_ ljut cfly{s aif{sf] s'n Joj:yfkg vr{sf] ljj/0fM cf=j= @)&@.&# sf] s'n Joj:yfkg vr{ ?= @$,!!,&!,*^$.)) /x]sf] 5 . sDkgLsf] jLdf Joj;fo la:tf/ tyf

zfvfx?sf] ;jlns/0f ug]{ qmddf cl3Nnf] jif{sf] t'ngfdf Joj:yfkg vr{df s]xL j[l4 x'g uP klg cfpFbf aif{x?df Aoj:yfkg vr{ sd ub}{ n}hfgsf nfuL of]hgfa4 ?kdf sfo{ ul/g]5 . ;fy} ;+rfns ;ldltsf] tkm{af6 sDkgLsf] Joj:yfkg vr{ 36fpg Joj:yfkgnfO{ lgb]{zg lbPsfn] cfufdL aif{df qmlds ?kdf ;'wf/ x'b} hfg] laZjf; lbnfpg rfxG5' . o;} ;fy ;+Ung ljlQo ljj/0fsf] æcg';"rL &Æ df Joj:yfkg vr{sf] ljj/0f pNn]v ul/Psf] 5 .

-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/0fM

k|:t't cf=j=df n]vfk/LIf0f pk–;ldltdf >L u+uf k|;fb zdf{Ho" sf] ;+of]hsTjdf >L dx]z s'df/ cu|jfnHo" / >L lagf]b s'df/ Kofs'/]nHo" ;b:o /xg' ePsf] lyof] . pxfFx?nfO{ a}7s eQf jfkt ? %$,%)).– k|bfg ul/Psf] 5 . n]vfk/LIfssf] k|ltj]bg k|fKt x'gf ;fy n]vfk/LIf0f pk–;ldltsf] a}7s a;L n]vfkl/Ifsn] lbPsf ;'emfjx?sf] sfof{Gjogsf nflu Joj:yfkgnfO{ lgb]{zg k|bfg x'b} cfPsf] 5 . h;sf sf/0f sDkgLdf cfGtl/s sfdsf/jfxLsf] cj:yf lg/Gt/ ;'wf/f]Gd'v eO{/x]sf] 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 ;+ul7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/fM

g/x]sf] .-g_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf

;'ljwfsf] /sdM k|:t't cf=j=df ;+rfns ;ldltsf cWoIfnfO{ k|lt a}7s ?=%,%)).— / ;+rfnsx? nfO{ k|lt a}7s eQf ?= %,))).—

u/L s'n a}7s eQf ?= %,)%,%)).— e'QmfgL ul/Psf] 5 . k|jGws:t/ ;Ddsf cGo kbflwsf/Lx?nfO{ kfl/>lds, eQf tyf cGo ;'ljwf jfkt ? %^,&$,$!%.$( e'QmfgL ul/Psf] 5 .



-k_ Zf]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sdM g/x]sf]

-km_ bkmf !$! adf]lhd ;DklQ vl/b jf lalqm u/]sf] s'/fsf] ljj/0fM gePsf] .

-a_ bkmf !&% adf]lhd ;Da4 sDkgL aLr ePsf] sf/f]af/sf] ljj/0f M g/x]sf]

-e_ o; P]g tyf k|rlnt sfg'g adf]lhd ;~rfns ;ldtsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g} s'/f .

-c_ ;DkQL z'l¢s/0f lgjf/0f ;DjGwdfM sDkgLn] ;DktL z'l¢s/0f lgjf/0f P]g, lgodfjnL, ;DkQL z'l¢s/0f tyf cftÍsf/L s[ofsnfkdf ljlQo nufgL

lgjf/0f lgb]{lzsf / g]kfn /fi6« a}+s ljlQo hfgsf/L OsfOsf] lgod tyf lgb]{zgnfO{ lg/Gt/ kl/kfngf ub}{ cfO/x]sf] 5 . sDkgLn] ;DktL z'l¢s/0f ;DjGwL pknAw u/fpg' kg]{ ;"rgf P+j hfgsf/L ;d]t ;DalGwt lgsfodf lg/Gt/ pknAw u/fO{/x]sf] 5 . o; tkm{ sDkgL ;bf ;r]t /xg] k|lta¢tf AoQm ub{5f}+ .

-cf_ jLdf ;ldltaf6 hf/L ePsf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf sfo{Gjog ul/ ;f] sf] k"0f{ ?kdf kl/kfngf ub}{ cfPsf] hfgsf/L u/fpFb5' .

-O_ lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] lgod @^-@_ ;+u ;Dj¢ yk ljj/0fx? M

-!_ ;ldIff cjlwdf sfg'gL sf/jfxL ;DjGwL ljj/0fM -s_ ;ldIff cjlwdf sDkgLn] jf sDkgLsf] lj?¢ d'4f bfo/ ePsf] ePM sDkgLn] lsi6 a}+s -xfn k|e'

a}+s_ pk/ pTk|]if0fo'Qm k/dfb]z d'4f bfo/ u/]sf]df ;f] d'4f >L ;Ddflgt ;jf]{Rr cbfntdf rln/x]sf] .

-v_ ;ldIff cjlwdf sDkgLsf] ;+:yfks jf ;+rfnsn] jf ;+:yfks jf ;+rfnssf] lj?¢df k|rlnt lgodsf] cj1f jf kmf}Hfbf/L ck/fw u/]sf] ;DjGwdf s'g} d'4f bfo/ u/]sf] jf ePsf] eoM

To:tf] s'g} hfgsf/L k|fKt gePsf] .

-u_ sDkgLsf] ;+:yfks jf ;+rfns lj?¢ cfly{s ck/fw u/]sf] ;DjGwdf s'g} d'4f bfo/ ePsf] ePM To:tf] s'g} hfgsf/L k|fKt gePsf] .

-@_ ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ ;DjGwL ljZn]z0fM sDkgLsf] z]o/ ;DjGwL ;Dk'0f{ sfo{ z]o/ /lhi6f/ >L gljn O{Ge]i6d]06 a}+lsË ln=,gS;fnaf6 eO{/x]sf] 5 .

Z]fo/ sf/f]jf/df eO{/xg] ptf/ r9fj tyf v'Nnf jhf/sf sf/0f z]o/ d'Nodf 36a9 eO{ /xFbf sDkgLsf] z]o/ sf/f]jf/ ;d]t 36a9 x'g] u/]sf] 5 .

g]kfn :6s PSr]Gh lnld6]8sf] j]e ;fO6 cg';f/ @)&$ cfiff9 d;fGtsf] z]o/ sf/f]jf/ lgDg cg';f/ /x]sf] 5 .

clwstd d'No Go'gtd d'No clGtd d'Nosf/f]jf/ ePsf]

s'n lbgsf/f]jf/ ePsf] s'n ;+Vof

s'n sf/f]jf/ ePsf] z]o/ ;+Vof

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

wGojfb . cWoIf ;+rfns ;ldltsf] tkm{jf6








s]Gb|Lo sfof{noM rf6{/ 6fj/, rf}yf] tNnf, ;fgf] uf}r/0f, 1fg]Zj/, sf7df8f}+

@)&@÷&# cfiff9 d;fGtsf] jf;nftqm=;+= ljj/0f cg';"rL o; aif{ ut aif{

>f]t1 r'Qmf k"FhL !^ 500,000,000 500,000,000 2 hu]8f tyf sf]if !& 257,211,910 142,016,946 3 hLjg aLdf sf]if !! 1,646,024,767 1,051,000,947 4 dxf–ljkQL hu]8f !* 24,623,446 11,440,234 5 ltg{ afFsL bL3{sflng C0f tyf ;fk6L !( – –

s"n >f]t 2,427,860,123 1,704,458,127 pkof]u

6 l:y/ ;DkQL -v'b_ @) 33,886,761 27,856,514 7 lb3{sflng nufgL @! 750,767,773 750,502,117 8 aLdfn]vsf] lwtf]df shf{ # 68,751,588 25,444,188 9 cGo lb3{sflng shf{ @# 34,749,278 26,924,849

rfn' ;DkQL shf{ tyf k]ZsLx? M10 gub tyf a}+s df}Hbft @@ 89,309,761 57,609,310 11 cNksflng nufgL @! 1,568,689,806 862,933,562 12 cGo cNksflng shf{ @# 27,526,384 20,954,018 13 cGo ;DkQL @$ 218,973,913 165,233,635

hDdf -s_ -10±11±12±13_ 1,904,499,864 1,106,730,525 rfn' bfloTj tyf Joj:yfx? M

14 rfn' bfloTj @% 140,083,081 95,120,835 15 c;dfKt hf]lvd jfkt Joj:yf @^ 183,910,703 115,077,724 16 e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 502,348 684,106 17 cGo Joj:yf @^s 40,299,009 22,117,399

hDdf -v_ -14±15±16±17_ 364,795,141 233,000,065 18 v"b rfn' ;DkQL -u_Ö-s_–-v_ 1,539,704,723 873,730,461 19 ckn]vg jf ;dfof]hg x'g afFsL ljljw vr{x? @& – – 20 gfkmf gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg – –

s"n pkof]u -6±7±8±9±18±19±20_ 2,427,860,123 1,704,458,127 ;+efljt bfloTjx? tyf cg';"rL #,(,!! tyf !^ b]lv @( ;Dd o;sf cleGg c+u x'g\ .

;+efljt bfloTjx?

qm=;+= ljj/0f o; aif{ ut aif{1 r'Qmf jf e'QmfgL x'g afFsL nufgL – – 2 k|Tofe"lt k|lta4tf – – 3 aLdfn]v cGtu{t eGbf afx]saf6 aLds pk/ bfjL k/]sf] t/

aLdsn] bfloTj :jLsf/ gu/]sf] . – –

4 aLdsn] jf aLdssf] tkm{af6 lbOPsf] Uof/]06L – – 5 cGo -ljj/0f v'nfpg]_ – –

hDdf – –

cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/l;=P= /hlgz bfxfn

;fem]bf/b]a P;f]l;6;\

rf6{8{ PsfpG6]G6\;ldltM @)&$.!.!#:yfgM sf7df08f}

/fdjfj' kGtcWoIf

;+rfnsx¿!_ x]dGt gfx6f@_ lagf]b s'df/ Kofs'/]n#_ u+uf k|;fb zdf{$_ ljzfn cu|jfn%_ 8f= ljgf]b cfq]o

lzjgfy kf)*]k|d'v sfo{sf/L clws[t

nfnafa' ;fx;xfos k|aGws n]vf tyf laQ





rf6{8{ PsfpG6]G6\;ldltM @)&$.!.#:yfgM sf7df08f}

/fdjfj' kGtcWoIf



nfnafa' ;fx;xfos k|jGws n]vf tyf laQ



cfly{s aif{ @)&@.&# sf] gfkmf gf]S;fg lx;faqm=;+= ljj/0f cg';"rL o; aif{ ut aif{

cfDbfgL1 cfo Joo lx;faaf6 ;f/]sf] !) 38,557,642 -19,157,524_2 hLjg aLdf sf]ifaf6 ;f/]sf] !! 28,194,366 13,523,493 3 nufgL shf{ tyf cGoaf6 cfo @ 51,808,544 37,148,880 4 Joj:yf lkmtf{ !@ 576,795 – 5 cGo cfDbfgL – –

hDdf cfDbfgL -s_ 119,137,347 31,514,849 vr{

6 Joj:yfkg vr{ & 24,117,186 41,448,226 7 ckn]vg vr{ !# – – 8 z]o/ ;DaGwL vr{ !# s 1,484,500 256,463 9 cGo vr{x? !$ – 314,067 10 gf]S;fgLsf] nflu Joj:yf !% 1,152,967 610,930 11 sd{rf/L cfjf; Joj:yf @^ s – – 12 sd{rf/L af]g; Joj:yf @^ s 8,398,427 –

;dfof]lht cfos/ -c_Ö-cf_–-O_ * -48,482,485_ -33,056,295_13 cf_ cfos/ – – 14 O_ :yug s/ ;DklQ ÷ -bfloTj_ 48,482,485 33,056,295 15 hLjg aLdf sf]ifdf ;f/]sf] 11 – –

hDdf vr{ -v_ -13,329,405_ 9,573,391 16 v"b gfkmf ÷-gf]S;fg_ -u_Ö-s_–-v_ 132,466,752 21,941,458 17 cl3Nnf] jif{;+u ;DalGwt vr{ -634,628_ -355,613_18 cl3Nnf] aif{af6 ;fl/Psf] gfkmf÷-gf]S;fg_ 23,566,907 70,126,240

afF*kmfF*sf] nflu pknAw /sd 155,399,031 91,712,084 19 -s_ :yug s/ hu]8f !& 48,482,485 33,056,295

-v_ k"FhLut hu]8f !& – – -u_ ljz]if hu]8f !& – – -3_ cGo hu]8f !& – – -ª_ k|:tfljt nfef+z – – -c_ af]g; z]o/ !& 65,625,000 31,250,000 -cf_ gub nfef+z-s/ k|of]hgsf]nflu dfq_ @^ s 3,453,947 1,644,737 -r_ dxf–ljkQL hu]8f !* 13,183,212 2,194,146

20 jf;nftdf ;f/]sf] gfkmf÷-gf]S;fg_ 24,654,386 23,566,907 cg';"rL @,&,*, tyf !_ b]lv !%,!& / !* ;Dd o;sf cleGg c+u x'g\ .





cfly{s aif{ @)&@.&# sf] Plss[t cfo Joo lx;fj

qm=;+= ljj/0f cg';"rL o; aif{ ut aif{

cfo 1 aLdfz'Ns -v"b_ ! 1,010,425,060 623,002,300 2 k'gaL{df sldzg cfo 9,715,642 10,621,097 3 nufgL, shf{ tyf cGoaf6 cfo @ 151,121,084 72,626,788 4 aLdfn]vsf] lwtf]df shf{af6 cfo # 4,835,234 2,095,893 5 cGo k|ToIf cfo 430,294 630,860 6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 684,106 804,856 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 115,077,724 38,018,808

hDdf cfo -s_ 1,292,289,144 747,800,603 Joo

8 bfjL e'QmfgL -v'b_ $ 57,076,284 35,759,590 9 clestf{ sldzg % 155,868,704 95,114,402 10 :jf:Yo k/LIf0f z'Ns 3,963,556 2,260,211 11 k'gaL{df sldzg vr{ – – 12 ;]jf z'Ns -v'b_ ^ 10,198,439 6,336,234 13 cGo k|ToIf vr{ 1,938,605 1,920,525 14 Joj:yfkg vr{ & 217,054,678 117,580,010 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 502,348 684,106 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 183,910,703 115,077,724

hDdf Joo -v_ 630,513,317 374,732,802 18 hLjg ladf sf]ifdf ;f/]sf] art 623,218,185 392,225,325 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷ -gf]S;fgL_ 38,557,642 -19,157,524_

cg';"rL ! b]lv ( ;Dd o;sf cleGg c+u x'g\ .



rf6{8{ PsfpG6]G6\;ldltM @)&$.)!.!#:yfgM sf7df08f}

/fdjfj' kGtcWoIf








cfly{s aif{ @)&@.&# sf] ;fjlws hLjg aLdfsf] cfo Joo lx;fa qm=;+= ljj/0f cg';"rL o; aif{ ut aif{

cfo 1 aLdfz'Ns -v'b_ ! 556,113,981 367,979,703 2 k'gaL{df sldzg cfo 793,473 573,109 3 nufgL, shf{ tyf cGoaf6 cfo @ 98,565,840 50,912,416 4 aLdfn]vsf] lwtf]df shf{af6 cfo # 3,501,425 1,451,726 5 cGo k|ToIf cfo 342,718 477,168

6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 439,098 352,188 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf – –

hDdf cfo -s_ 659,756,536 421,746,310 Joo

8 bfjL e'QmfgL -v'b_ $ 15,505,951 9,497,237 9 clestf{ sldzg % 85,205,671 52,646,472 10 :jf:Yo k/LIf0f z'Ns 2,075,512 1,329,493 11 k'gaL{df sldzg vr{ – – 12 ;]jf z'Ns -v'b_ ^ 5,571,555 3,685,955 13 cGo k|ToIf vr{ 209,308 133,283 14 Joj:yfkg vr{ & 112,535,516 59,865,878 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 380,161 439,098 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf – –

hDdf Joo -v_ 221,483,675 127,597,417 18 hLjg ladf sf]ifdf ;f/]sf] art 438,272,861 294,148,893 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art÷-gf]S;fgL_ – –





/fdjfj' kGtcWoIf








cfly{s aif{ @)&@.&# sf] clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fa


cfo 1 aLdfz'Ns -v'b_ ! 161,559,204 80,575,552 2 k'gaL{df sldzg cfo 752,897 532,320 3 nufgL, shf{ tyf cGoaf6 cfo @ 16,078,832 6,431,965 4 aLdfn]vsf] lwtf]df shf{af6 cfo # 546,826 202,113 5 cGo k|ToIf cfo 37,138 63,833 6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf – 207,661 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf – –

hDdf cfo -s_ 178,974,897 88,013,444 Joo

8 bfjL e'QmfgL -v'b_ $ 9,547,162 6,869,646 9 clestf{ sldzg % 33,319,955 17,003,941 10 :jf:Yo k/LIf0f z'Ns 1,309,179 624,537 11 k'gaL{df sldzg vr{ – – 12 ;]jf z'Ns -v'b_ ^ 1,621,491 807,928 13 cGo k|ToIf vr{ 33,795 17,267 14 Joj:yfkg vr{ & 30,994,310 12,170,914 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 – – 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf – –

hDdf Joo -v_ 76,825,892 37,494,233 18 hLjg ladf sf]ifdf ;f/]sf] art Ö -s_–-v_ 102,149,005 50,519,210 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷ -gf]S;fgL_ – –





/fdjfj' kGtcWoIf








cfly{s aif{ @)&@.&# sf] ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fa


cfo 1 aLdfz'Ns -v'b_ ! 110,018,453 62,500,165 2 k'gaL{df sldzg cfo 405,402 250,816 3 nufgL, shf{ tyf cGoaf6 cfo @ 16,064,290 7,535,935 4 aLdfn]vsf] lwtf]df shf{af6 cfo # 786,983 442,054 5 cGo k|ToIf cfo 50,438 89,859 6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 245,008 245,008 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf – –

hDdf cfo -s_ 127,570,574 71,063,837 Joo

8 bfjL e'QmfgL -v'b_ $ 1,438,723 1,836,117 9 clestf{ sldzg % 19,809,864 10,532,795 10 :jf:Yo k/LIf0f z'Ns 578,031 305,232 11 k'gaL{df sldzg vr{ – – 12 ;]jf z'Ns -v'b_ ^ 1,103,201 626,524 13 cGo k|ToIf vr{ 32,582 19,215 14 Joj:yfkg vr{ & 21,689,666 9,941,724 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 122,188 245,008 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf – –

hDdf Joo -v_ 44,774,254 23,506,614 18 hLjg ladf sf]ifdf ;f/]sf] art Ö -s_–-v_ 82,796,319 47,557,223 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷ -gf]S;fgL_ – –





/fdjfj' kGtcWoIf








cfly{s aif{ @)&@.&# sf] a}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fa


cfo 1 aLdfz'Ns -v'b_ ! 182,473,893 111,791,433 2 k'gaL{df sldzg cfo 7,754,568 9,264,852 3 nufgL, shf{ tyf cGoaf6 cfo @ 20,384,646 7,735,859 4 aLdfn]vsf] lwtf]df shf{af6 cfo # – – 5 cGo k|ToIf cfo – – 6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf – – 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 115,000,000 38,000,000

hDdf cfo -s_ 325,613,107 166,792,144 Joo

8 bfjL e'QmfgL -v'b_ $ 30,584,447 17,556,591 9 clestf{ sldzg % 17,533,213 14,931,194 10 :jf:Yo k/LIf0f z'Ns 834 316 11 k'gaL{df sldzg vr{ – – 12 ;]jf z'Ns -v'b_ ^ 1,899,552 1,214,233 13 cGo k|ToIf vr{ 1,662,920 1,750,760 14 Joj:yfkg vr{ & 51,766,228 35,565,463 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 – – 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 183,780,939 115,000,000

hDdf Joo -v_ 287,228,133 186,018,557 18 hLjg ladf sf]ifdf ;f/]sf] art Ö -s_–-v_ – – 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷ -gf]S;fgL_ 38,384,974 -19,226,413_





/fdjfj' kGtcWoIf








cfly{s aif{ @)&@.&# sf] DofbL hLjg aLdfsf] cfo Joo lx;fa qm=;+= ljj/0f cg';"rL o; aif{ ut aif{

cfo 1 aLdfz'Ns -v'b_ ! 259,528 155,448 2 k'gaL{df sldzg cfo 9,302 – 3 nufgL, shf{ tyf cGoaf6 cfo @ 27,476 10,613 4 aLdfn]vsf] lwtf]df shf{af6 cfo # – – 5 cGo k|ToIf cfo – – 6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf – – 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 77,724 18,808

hDdf cfo -s_ 374,029 184,869 Joo

8 bfjL e'QmfgL -v'b_ $ – – 9 clestf{ sldzg % – – 10 :jf:Yo k/LIf0f z'Ns – 632 11 k'gaL{df sldzg vr{ – – 12 ;]jf z'Ns -v'b_ ^ 2,640 1,593 13 cGo k|ToIf vr{ – – 14 Joj:yfkg vr{ & 68,958 36,032 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 – – 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 129,764 77,724

hDdf Joo -v_ 201,362 115,980 18 hLjg ladf sf]ifdf ;f/]sf] art Ö-s_–-v_ – – 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷ -gf]S;fgL_ 172,668 68,889





/fdjfj' kGtcWoIf








@)&@.$.! b]lv @)&# cfiff9 d;fGt;Ddsf] gub k|jfxsf] ljj/0f

qm=;+= ljj/0f o; aif{ ut aif{s sf/f]af/ ;+rfngaf^ gub k|jfx M

aLdf z'Ns cfDbfgL 1,078,653,026 725,802,535 ljnDa z'Ns cfDbfgL 416,960 617,844 k'gaL{df z'Ns cfDbfgL – – k'gaL{df sldzg cfDbfgL 9,715,642 10,621,097 cGo k|ToIf cfDbfgL 13,334 13,016 k'gaL{dsaf6 k|fKt bfjL l/se/L 23,114,055 16,862,434 k'gaL{df z'Ns e'QmfgL -82,566,810_ -97,444,732_k'gaL{df sldzg e'QmfgL – – clestf{ sldzg e'QmfgL -153,949,192_ -89,735,418_:jf:Yo k/LIf0f z'Ns e'QmfgL -3,963,556_ -2,260,211_d[To' bfjL e'QmfgL -58,506,531_ -36,104,904_cjlw ;dfKtL bfjL e'QmfgL -2,680,975_ -1,147,100_cf+lzs cjlw ;dfKtL bfjL e'QmfgL -7,285,500_ -6,152,000_;dk{0f d"No bfjL e'QmfgL -11,717,333_ -9,218,021_cGo bfjL e'QmfgL – – ;]jf z'Ns e'QmfgL -7,258,025_ -4,150,502_cGo k|ToIf vr{ -1,938,605_ -1,920,525_Joj:yfkg vr{ e'QmfgL -219,287,962_ -136,099,362_sd{rf/L af]g; e'QmfgL -3,170,650_ – cfos/ e'QmfgL -18,979,603_ -15,622,145_Rffn' ;DklQdf -j[l4_÷sdL 3,111,090 53,718,451 Rffn' bfloTjdf j[l4÷-sdL_ 47,428,088 10,309,186 sf/f]af/ ;+rfngaf^ v"b gub k|jfx -s_ 591,147,452 418,089,643

v nufgL ultljwLaf^ gub k|jfxl:y/ ;DklQdf -j[l4_ sdL -14,049,951_ -13,308,989_;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6Ldf nufgLdf -j[l4_ sdL 44,752,000 – a}+s tyf ljQLo ;+:yfsf] d'2tL lgIf]kdf nufgLdf -j[l4_ sdL -467,800,000_ -185,500,000_a}+s tyf ljQLo ;+:yfsf] cGo lgIf]k nufgLdf -j[l4_ sdL -196,256,244_ -123,889,718_OSo"6L z]o/ nufgLdf -j[l4_ sdL -86,717,656_ -148,959,340_cu|flwsf/ z]o/÷l8j]Gr/df nufgLdf -j[l4_ sdL – – cGo nufgLdf -j[l4_ sdL – – aLdfn]vsf] lwtf]df shf{df -j[l4_ sdL -43,307,401_ -13,130,474_k]ZsL tyf cGo shf{df -j[l4_ sdL -14,396,796_ -19,193,952_e'QmfgL k|fKt Aofh cfDbfgL -nufgLdf_ 211,289,460 94,679,174 e'QmfgL k|fKt l8le8]G8 909,058 2,540,130 ef8f cfDbfgL – – e'QmfgL k|fKt Aofh cfDbfgL -shf{df_ 2,013,529 798,076 cGo ck|ToIf cfDbfgL / vr{ 4,116,998 3,613,265 nufgL ultljwLaf^ v"b gub k|jfx -v_ -559,447,001_ -402,351,828_

u ljQLo >f]t sf/f]af/af^ gub k|jfxz]o/af6 k|fKt /sd – – ltg{ afFsL ;fk6Ldf -j[l4_÷sdL – – cNksflng C0fdf -j[l4_÷sdL – – C0f ;fk6Ldf Aofh e'QmfgL – – nfef+z e'QmfgL – – ljQLo >f]t sf/f]af/af^ v"b gub k|jfx -u_ – – o; jif{sf] ;Dk")f{ ultljwLaf^ v"b gub k|jfx = -s_±-v_±-u_ 31,700,451 15,737,814 gub tyf a}+sdf /x]sf] z'? df}Hbft 57,609,310 41,871,495 gub tyf a}+sdf /x]sf] clGtd df}Hbft 89,309,761 57,609,310




/fdjfj' kGtcWoIf


lzjgfy kf)*] k|d'v sfo{sf/ clws[t




cfh

sf] ld

ltsf] ;+nUg

k|lt

j]bg cg';f/

l;=P= /hlgz bfxfn

;fe

m]bf/

b]a P;f]l;6;\

rf6{8{ Psfp

G6]G6

\;ld

ltM @)&$.)!.!#

:yfg

M sf7df08f}

/fd

jfj' kGt

cWo

If

;+rfn

sx¿

!_ x]dGt

gfx6f

@_ lagf]b s'df/ Ko

fs'/]n

#_ u+uf k|;fb zdf{

$_ ljzfn

cu|jfn

%_ 8f= ljgf]b cfq]o

lzjgfy

kf)*]

k|d'v sfo

{sf/L clws[t

nfn

afa

' ;fx

;xfo

s k|jGw

s

n]vf tyf laQ

;"o

f{ nfO

km O

G:o

f]/]G;

sDk

gL l

nld

6]8/lhi6

8{ sfo

f{noM lj/f6g

u/–

(, d

f]/Ë

s]Gb

|Lo s

fof{n

oM r

f6{/

6fj/

, rf}y

f] tNn

f, ;fg

f] uf}r

/0f,

1fg

]Zj/, s

f7df8

f}+

cf=j

@)&

@.&#

df OS

o"6Ld

f ePs

f] kl/j

t{g ;

DaGw

L ljj/

0f

ljj/

0fz]o

/ k"“h

L;+l

rt

gfkmf÷

gf]S;

fg

k|:tfljt

af]g;

z]o

/

k"“hLut

hu]8f

sf

]ifz]o

/ lk|ld

odljz]i

f hu

]8f

sf]if

cGo

hu]8f

tyf

sf]if

-:y

ug

s/ h

u]8f_

dxflj

kQL

hu]8f

s"n /

sd

z'? d

f}Hbft

500

,000

,000

2

3,56

6,90

7 3

1,250

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–

27

,671

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–

5

9,52

8,25

3 11,4

40,234

6

53,4

57,17

9

ut c

f=j ;

DalGw

cGo

;df

of]hg

–

-634

,628_

–

–

–

–

–

–

-634

,628_

k|:tfljt

af]g;

z]o/

hf/L

–

–

–

k|:tf

ljt

af]g;

z]o/

–

-65,62

5,00

0_ 6

5,62

5,00

0 –

–

o; j

if{sf] r

'Qmf k

"+hL -x

sk|b

z]o/

hf/L

_ –

–

–

–

–

–

–

–

–

z]o/

lk|ld

od –

–

o; j

if{sf] g

fkmf

gf]S;

fg lx

;fja

f6 ;

f/]sf]

–

132

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–

–

–

–

–

1

32,4

66,752

dxf–l

jkQL

hu]8

f -1

3,183

,212

_ 1

3,183

,212

–

:yug

s/

hu]*f

–

-48,

482,48

5_ –

–

–

–

48

,482

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–

–

gub

nfef

+z -s

/ k|o

f]hgs

f]nflu

dfq_

-3,4

53,947

_ –

–

–

–

–

–

-3

,453

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_

clGtd

df}Hb

ft 5

00,000

,000

2

4,65

4,38

6 9

6,87

5,00

0 –

27

,671

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–

108

,010

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2

4,62

3,44

6 7

81,8

35,356



^ ljQLo ljj/0fsf] cleGg c+usf] ?kdf /xg] cg';"rLx?cg';"rL–!

-s_ aLdfz'Ns -v'b_

qm=;+= aLdfsf] lsl;ds"n aLdfz'Ns

k'gaL{df z'Ns e'QmfgL (Ceded)

aLdfz'Ns -v"b_

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

1;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

563,658,703 373,940,127 7,544,722 5,960,424 556,113,981 367,979,703

2clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

165,832,091 82,678,160 4,272,887 2,102,608 161,559,204 80,575,552

3?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

112,203,083 63,973,396 2,184,630 1,473,231 110,018,453 62,500,165

4j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

236,667,242 205,017,646 54,193,349 93,226,213 182,473,893 111,791,433

5 DofbL hLjg aLdf 291,907 193,206 32,379 37,758 259,528 155,448

hDdf 1,078,653,026 725,802,535 68,227,966 102,800,235 1,010,425,060 623,002,300

-v_ s'n aLdfz'Ns

qm=;+= aLdfsf] lsl;dk|ToIf aLdfz'Ns k|fKt k'gaL{df

z'Ns (accepted) s"n aLdfz'Ns

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

1;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

563,658,703 373,940,127 – – 563,658,703 373,940,127

2clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

165,832,091 82,678,160 – – 165,832,091 82,678,160

3?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

112,203,083 63,973,396 – – 112,203,083 63,973,396

4j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

236,667,242 205,017,646 – – 236,667,242 205,017,646

5 DofbL hLjg aLdf 291,907 193,206 – – 291,907 193,206

hDdf 1,078,653,026 725,802,535 – – 1,078,653,026 725,802,535

-u_ k|ToIf aLdfz'Ns

qm=;+= aLdfsf] lsl;dk|yd aif{sf] aLdfz'Ns gjLs/0f aLdfz'Ns Psn aLdfz'Ns hDdf k|ToIf aLdfz'Nso; aif{ ut aif{ o; aif{ ut aif{ o; aif{ ut aif{ o; aif{ ut aif{

1 ;fjlws hLjg aLdf 248,597,300 156,700,955 304,718,539 209,573,619 10,342,864 7,665,553 563,658,703 373,940,127

2 clu|d e'QmfgL ;fjlws hLjg aLdf

88,435,552 59,093,535 54,171,350 23,584,625 23,225,189 – 165,832,091 82,678,160

3 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdf

63,917,892 31,103,739 48,285,191 32,869,657 – – 112,203,083 63,973,396

4 j}b]lzs /f]huf/ DofbL hLjg aLdf

– – – – 236,667,242 205,017,646 236,667,242 205,017,646

5 DofbL hLjg aLdf 291,907 193,206 – – – – 291,907 193,206

hDdf 401,242,651 247,091,435 407,175,080 266,027,901 270,235,295 212,683,199 1,078,653,026 725,802,535



cg';"rL–@nufgL, shf{ tyf cGoaf6 cfoqm=;+= ljj/0f o; aif{ ut aif{1= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6Laf6 cfo 4,046,537 4,620,184 2= jfl0fHo a}+ssf] d'2tL lgIf]kaf6 cfo 56,607,656 56,781,215 3= ljsf; a}+ssf] d'2tL lgIf]kaf6 cfo 25,628,164 17,415,736 4= gful/s nufgL of]hgfaf6 cfo – – 5= ljQLo ;+:yfsf] d'2tL lgIf]kaf6 cfo 14,540,607 12,406,728 6= cfjf; ljQ sDkgLsf] ;fwf/0f z]o/af6 nfef+z – – 7= cGo klAns sDkgLsf] ;fwf/0f z]o/af6 nfef+z 909,058 2,540,130 8= a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/af6 nfef+z – – 9= a}+s tyf ljQLo ;+:yfsf] l8j]Gr/af6 cfo 10,017,635 9,678,559 10= cGo -ljj/0f v'nfpg]_ af6 cfo11= shf{af6 cfo 4,158,667 2,670,516 12= cGo lgIf]kaf6 -d'2tL afx]s_ cfo 2,939,205 2,609,606 13= nufgL laqmLdf gfkmf 84,123,766 110,246

Go"g nufgL laqmLdf gf]S;fg – – 14= nufgL -v/Lb_ df gfkmf – –

Go"g nufgL -v/Lb_ df gf]S;fg – – 15= l:y/ ;DkQL laqmLaf6 gfkmf – –

Go"g l:y/ ;DkQL laqmLaf6 gf]S;fg16= vftf ckn]vg – 17= cl3Nnf jif{;+u ;DalGwt cfo – – 18= cGo cfo÷gf]S;fg -41,669_ 942,748

hDdf 202,929,628 109,775,668 nufgL, shf{ tyf cGoaf^ cfosf] afF*kmfF*

1= gfkmf gf]S;fg lx;fadf ;f/]sf] 51,808,544 37,148,880 2= ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 98,565,840 50,912,416 3= clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 16,078,832 6,431,965 4= ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 16,064,290 7,535,935 5= j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 20,384,646 7,735,859 6= DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 27,476 10,613

hDdf 202,929,628 109,775,668

cg';"rL–#aLdfn]vsf] lwtf]df shf{ / cfo

qm=;+= aLdfsf] lsl;daLdfn]vsf] lwtf]df shf{ aLdfn]vsf] lwtf]df shf{af6 cfo

o; aif{ ut aif{ o; aif{ ut aif{1 ;fjlws hLjg aLdf 43,045,971 18,075,853 3,501,425 1,451,726 2 clu|d e'QmfgL ;fjlws hLjg aLdf 15,267,898 2,256,766 546,826 202,113 3 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdf 10,437,720 5,111,569 786,983 442,054 4 j}b]lzs /f]huf/ DofbL hLjg aLdf – – – – 5 DofbL hLjg aLdf – – – –

hDdf 68,751,588 25,444,188 4,835,234 2,095,893



cg';"rL–$bfjL e'QmfgL

qm=;+= aLdfsf] lsl;dd[To" bfjL e'QmfgL cjlw ;dfKtL bfjL e'QmfgL

cf+lzs cjlw ;dfKtL bfjL

e'QmfgL;dk{0f d"No bfjL e'QmfgL

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

1 ;fjlws hLjg aLdf 6,981,348 5,207,510 2,562,525 918,500 – – 9,777,043 8,249,269


1,781,805 290,561 – – 7,285,500 6,152,000 1,429,857 427,085


1,309,840 1,345,850 118,450 228,600 – – 510,433 541,667


48,433,537 29,260,983 – – – – – –

5 DofbL hLjg aLdf – – – – – – – –

hDdf 58,506,531 36,104,904 2,680,975 1,147,100 7,285,500 6,152,000 11,717,333 9,218,021

qm=;+= aLdfsf] lsl;dcGo bfjL e'QmfgL s"n bfjL e'QmfgL

s"n bfjL e'QmfgLdf

k'gaL{dssf] lx::ffbfjL e'QmfgL -v'b_

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

1 ;fjlws hLjg aLdf – – 19,320,916 14,375,279 3,814,965 4,878,042 15,505,951 9,497,237


– – 10,497,162 6,869,646 950,000 – 9,547,162 6,869,646


– – 1,938,723 2,116,117 500,000 280,000 1,438,723 1,836,117


– – 48,433,537 29,260,983 17,849,090 11,704,392 30,584,447 17,556,591

5 DofbL hLjg aLdf – – – – – – – –

hDdf – – 80,190,339 52,622,024 23,114,055 16,862,434 57,076,284 35,759,590



cg';"rL–%

clestf{ s

ldzg

qm=;

+=aLdf

sf] ls

l;d

k|yd

aif{s

f] aLdf

z'Ns

df

cle

stf{ s

ldzg

gjLs

/0f aLdf

z'Ns

df c

lestf{

sld

zg

Psn a

Ldfz

'Nsdf

cle

stf{

sld

zg

hDd

f cle

stf{ s

ldzg

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

1;fjlws h

Ljg

aLdf

59,21

1,10

0 3

4,999

,300

2

5,24

5,35

7 1

6,79

9,827

7

49,21

5 8

47,34

5 8

5,20

5,67

1 5

2,64

6,472

2clu

|d e

'Qmfg

L ;fjlws

hLj

g aL

df

22,05

2,90

2 1

4,744,775

6

,219

,518

2

,259

,167

5,04

7,53

5 –

3

3,31

9,95

5 1

7,00

3,94

1

3?k

fGtl/t ;

fjlws P

j+ cfh

Ljg

hLj

g aL

df

15,410

,142

7,387,66

2 4

,399

,723

3

,145,13

3 –

–

1

9,809

,864

10

,532

,795

4j}b

]lzs /

f]huf/ Dof

bL

hLj

g aL

df

–

–

–

17,533

,213

14

,931

,194

1

7,53

3,21

3 1

4,931

,194

5Do

fbL hLj

g aL

df

–

–

–

–

–

–

–

–

hDd

f 9

6,67

4,14

3 5

7,131,73

6 3

5,86

4,59

8 2

2,20

4,12

7 2

3,32

9,96

2 15,77

8,53

9 155

,868

,704

95

,114

,402

cg';"rL–^

;]jf z'Ns -v'b_

qm=;

+=aLdf

sf] ls

l;d

s'n ;

]jf z

'Nss'n ;

]jf z

'Nsdf

k'gaL{ds

sf] lx:;

f;]jf z

'Ns -v'b_

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

1;fjlws h

Ljg

aLdf

5,636

,587

3,739

,401

6

5,03

2 5

3,446

5,571

,555

3

,685,95

5

2clu

|d e

'Qmfg

L ;fjlws h

Ljg

aLdf

1,658

,321

8

26,782

36,830

1

8,8

54

1,621

,491

8

07,928

3?k

fGtl/t ;

fjlws P

j+ cfh

Ljg

hLj

g aL

df

1,122

,031

6

39,734

1

8,8

30

13,21

0 1

,103

,201

6

26,524

4j}b

]lzs /

f]huf/ Dof

bL h

Ljg

aLdf

2,366

,672

2

,050

,176

4

67,120

8

35,943

1,8

99,552

1

,214

,233

5Do

fbL hLj

g aL

df

2,919

1

,932

2

79

339

2

,640

1,593

hDd

f 10,78

6,53

0 7

,258

,025

5

88,091

9

21,7

91

10,19

8,43

9 6

,336

,234



cg';"rL–&Joj:yfkg vr{qm=;+= ljj/0f o; aif{ ut aif{

1 sd{rf/L vr{ -cg';"rL &=! adf]lhd_ 80,818,212 67,695,985 2 3/ ef8f 14,847,173 9,975,851 3 lah'nL tyf kfgL 1,595,846 1,516,565 4 dd{t tyf ;Def/

-s_ ejg – – -v_ ;jf/L ;fwg 196,348 239,152 -u_ sfof{no pks/0f 667,218 475,139 -3_ cGo -;km\6jo/_ 457,144 149,046

5 ;+rf/ 5,280,857 4,511,683 6 5kfO{ tyf d;nGb 8,485,980 5,582,692 7 vr{ x'g] sfof{no ;fdfg 472,828 910,639 8 kl/jxg 1,356,575 753,196 9 e|d0f vr{ -eQf ;d]t_

-s_ cfGtl/s 4,378,432 5,586,326 -v_ j}b]lzs – –

10 clestf{ tflnd 5,443,649 2,394,368 11 clestf{ cGo 99,435,360 43,847,706 12 aLdfz'Ns 678,443 327,160 13 ;'/Iff vr{ 259,659 439,455 14 sfg"gL tyf k/fdz{ z'Ns 131,182 9,882 15 kq klqsf tyf k':ts 147,147 129,539 16 lj1fkg tyf k|rf/ k|;f/ 304,780 476,894 17 Jofkf/ k|j4{g 2,054,835 3,098,915 18 cltyL ;Tsf/ – 7,009 19 rGbf tyf pkxf/ 508,500 795,750 20 ;+rfns ;ldlt ;DaGwL vr{

-s_ a}7s eQf 505,000 596,500 -v_ cGo 110,158 82,103

21 cGo ;ldlt÷pk–;ldlt ;DaGwL vr{ -s_ a}7s eQf 106,250 142,500 -v_ cGo 34,540 22,529

22 ;fwf/0f ;ef ;DaGwL vr{ 290,064 – 23 -s_ aLdfÍLo ;]jf z'Ns – 452,424

-v_ aLdfÍLo vr{ – – 24 n]vf k/LIf0f ;DaGwL vr{

-s_ n]vf k/LIf0f z'Ns 372,900 372,900 -v_ s/ n]vf k/LIf0f z'Ns – – -u_ lj:t[t n]vf k/LIf0f k|ltj]bg z'Ns – – -3_ cGo z'Ns – – -ª_ cfGtl/s n]vf k/LIf0f vr{ 300,000 158,200 -r_ cGo vr{ 203,801 100,231

25 Aofh – – 26 a}s rfh{ 62,339 64,628 27 z'Ns tyf b:t"/ 252,359 262,030 28 Xf; s§L 8,019,703 5,974,975 29 x'nfs l6s6 – – 30 cGo 3,394,584 1,876,264

afF*kmfF*sf] nflu hDdf 241,171,864 159,028,237 1 gfkmf gf]S;fg lx;fadf ;f/]sf] 24,117,186 41,448,226 2 ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 112,535,516 59,865,878 3 clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 30,994,310 12,170,914 4 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 21,689,666 9,941,724 5 j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 51,766,228 35,565,463 6 DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 68,958 36,032

hDdf 241,171,864 159,028,237



cg';"rL–&=!sd{rf/L vr{qm=;+= ljj/0f o; aif{ ut aif{

1= tna 37,241,714 32,469,000

2= eQf 23,442,422 19,785,549

3= bz} vr{ 2,815,873 2,167,447

4= ;~rosf]ifdf yk 2,819,157 2,149,385

5= tflnd vr{ 666,751 121,450

6= kf]zfs 482,240 532,690

7= cf}ifwf]krf/ 1,337,422 1,004,188

8= aLdf 2,166,015 1,606,753

9= k]G;g tyf pkbfg vr{ tyf Joj:yf 2,696,621 1,516,490

10= ljbf afkt vr{ tyf Joj:yf 6,671,997 5,975,070

11= cGo ;'ljwf afkt vr{ tyf Joj:yf -ljj/0f v'nfpg]_ – –

12= cGo sd{rf/LnfO{ lbPsf] k|f]T;fxg eQf 478,000 367,962

hDdf 80,818,212 67,695,985

cg';"rL–*cfos/qm=;+= ljj/0f o; aif{ ut aif{

1 o; aif{sf] cfos/ – –

2 cl3Nnf aif{x?sf] cfos/ – –

3 afF8kmfF8sf] nflu cfos/sf] hDdf – –

4 o; aif{sf] :yug s/ -48,482,485_ -33,056,295_

afF*kmfF*

gfkmf gf]S;fg lx;fadf ;f/]sf] -u_ Ö -s_ ± -v_ -48,482,485_ -33,056,295_

-s_ afF8kmfF8af6 cfPsf] cfos/ – –

-v_ o; aif{sf] :yug s/ -48,482,485_ -33,056,295_

1 ;fjlws hLjg aLdf – –

2 clu|d e'QmfgL ;fjlws hLjg aLdf – –

3 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdf – –

4 j}b]lzs /f]huf/ DofbL hLjg aLdf – –

5 DofbL hLjg aLdf – –

hDdf -48,482,485_ -33,056,295_



cg';"rL–!)

cfo Joo lx;fax?af6 gfkmf gf]S;fg lx;fadf ;f/]sf] /sd

qm=;

+=ljj/

0fo;

aif{

ut a

if{1=

;fjlws h

Ljg

aLdfs

f] cfo

Joo

lx;

faaf

;f/]sf]

–

–

2=clu

|d e

'Qmfg

L ;fjlws h

Ljg

aLdfs

f] cfo

Joo

lx;

faaf

6 ;f/]sf]

–

–

3=?k

fGtl/t ;

fjlws P

j+ cfh

Ljg

hLjg

aLdfs

f] cfo

Joo

lx;

fjaf

6 ;f/]sf]

–

–

4=

j}b]lz

s /

f]huf/ Dof

bL h

Ljg

aLdfs

f] cfo

Joo

lx;

fjaf

6 ;f/]sf]

38,384,974

-19

,226

,413

_5=

DofbL hLj

g aL

dfs

f] cfo

Joo

lx;

fjaf

6 ;f/]sf]

172

,668

6

8,8

89

hDd

f 3

8,55

7,64

2 -19

,157

,524

_

cg';"rL–(

cfly{s jif{sf] cGTodf e

'QmfgL x'g afFsL bfjL afkt Joj:yf

qm=;+=

aLdfs

f] lsl

;d

e'Qmfg

L x'g afFs

L d[To

' bfjL

e'Qmfg

L x'g afFs

L cj

lw ;

dfKtL

bfj

L

e'Qmfg

L x'g afFs

L cf

+lzs

cjlw

;d

fKtL b

fjL

e'Qmfg

L x'g afFs

L ;d

k{)f d

"No

bfjL

e'Qmfg

L x'g afFs

L cG

o bfj

L

;[hgf

ePsf

] t/

hfgs

f/Ldf

gcfPs

f] bfjL

-c

g'dflg

t_

e'Qmfg

L x'g afFs

L hDd

f bfjL

e'Qmfg

L x'g afFs

L hDd

f bfj

Ldf k

'gaL{ds

sf] lx

::ff

e'Qmfg

L x'g afFs

L bfjL

afk

t Joj:

yf

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

1=;f

jlws

hLjg

aLdf

330

,575

381

,825

–

–

–

–

–

–

–

–

–

–

330

,575

381

,825

–

–

380

,161

439

,098

2=clu|d

e'QmfgL ;

fjlws

hLjg

aLdf

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

3=?k

fGtl/t

;fjl

ws P

j+ cf

hLjg

hLjg

aLdf

250

,000

456

,800

–

–

–

–

–

–

–

–

–

–

250

,000

456

,800

143

,750

243

,750

122

,188

245

,008

4=j}b

]lzs

/f]huf/ Do

fbL h

Ljg a

Ldf

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

5=Do

fbL h

Ljg a

Ldf

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

hDdf

580

,575

838

,625

–

–

–

–

–

–

–

–

–

–

580

,575

838

,625

143,7

50

243

,750

5

02,34

8 6

84,10

6



cg';"rL–!!

hLjg aLdf s

f]if

qm=;+=

aLdf

sf] ls

l;d

;dfof]h

g cu

f8Ls

f] hLjg

aLdf s

f]if

-jif{s

f] z'?d

f_cf

o Jo

o lx;

faaf6

;f/]s

f] gfkmf

gf]S;

fg

lx;faa

f6 ;

f/]sf

] hu

]8f s

f]ifaf6

;f/]s

f];d

fof]h

g cu

f8Ls

f] hLj

g aLdf

sf]if

-jif{s

f] cGTo

df_

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

!=;f

jlws

hLj

g aL

df 8

28,18

8,47

7 5

44,18

2,152

4

38,27

2,861

2

94,14

8,89

3 –

–

–

1

,266,4

61,33

8 8

38,33

1,045

@=cl

u|d e

'Qmfg

L ;fjlws

hLjg

aLd

f 9

9,38

6,333

5

0,47

2,119

1

02,14

9,00

5 5

0,51

9,21

0 –

–

–

2

01,535

,338

100

,991

,329

#?k

fGtl/t

;fjlws

Pj+ c

fhLj

g hL

jg a

Ldf

123

,426

,138

77,6

44,8

44

82,7

96,31

9 4

7,557

,223

–

–

–

206

,222,4

57

125

,202,0

67

$j}b

]lzs

/f]huf

/ Do

fbL h

Ljg

aLdf

–

–

–

–

–

–

–

–

–

%Do

fbL h

Ljg

aLdf

–

–

–

–

–

–

–

–

–

hDdf

1,05

1,000

,947

6

72,299

,115

623

,218

,185

392

,225

,325

–

–

–

1,674

,219

,133

1,06

4,52

4,44

0

hLjg aLdf sf]ifdf ;dfof]hg

qm=;+=

aLdfs

f] lsl

;d

;dfof

]hg c

uf8Lsf

] hLjg

aLdf

sf]if -jif{s

f] cGTo

df_

gfkmf gf]S

;fg

lx;fad

f

;f/]s

f]

aLdfn]v

cGtu

{t

bfloTj

af]g;s

f] nflu

Joj:

yf

;f]Ne

]G;L

dflh

{gsf] n

flu

Joj:

yf

af“8kmf

“8 gu

l/Ps

f] /sd

jif{sf

] cGTo

df h

Ljg a

Ldf s

f]if

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

!=;f

jlws

hLj

g aL

df 1

,266,4

61,33

8 8

38,33

1,045

19,89

4,82

8 1

0,14

2,568

–

–

17

9,05

3,454

91

,283,1

15

–

– 1

15,20

0,58

5 9

,183,5

64 1

,246,5

66,510

828

,188,

477

@=cl

u|d e

'Qmfg

L ;f

jlws

hLj

g aL

df 2

01,535

,338

100

,991

,329

4,79

7,867

1

,604,

996

–

–

43,18

0,80

1 1

5,98

3,364

–

–

3

6,901

,080

1

,172,1

28

196

,737,4

71

99,38

6,333

#=?k

fGtl/t

;fjlws

Pj+

cfhL

jg h

Ljg

aLdf

206

,222,4

57

125

,202,0

67

3,501

,671

1,77

5,92

9 –

–

3

1,515

,043

14,

444,

961

–

–

17,6

61,33

7 1

,330,27

2 2

02,72

0,78

6 1

23,4

26,13

8

$=j}b

]lzs

/f]huf

/ Do

fbL h

Ljg

aLdf

–

–

–

–

–

–

–

–

–

–

–

–

–

–

%=Do

fbL h

Ljg

aLdf

–

–

–

–

–

–

–

–

–

–

–

–

–

–

hDdf

1,674

,219

,133

1,064

,524

,440

2

8,19

4,36

6 13,5

23,4

93

–

–

253

,749

,298

12

1,711,

440

–

– 169

,763

,002

11,6

85,964

1,646

,024,

767

1,051

,000,9

47



cg';"rL–!@Joj:yf lkmtf{qm=;+= ljj/0f o; aif{ ut aif{1= nufgLdf gf]S;fgsf] nflu Joj:yf lkmtf{ 576,795 – 2= shf{df gf]S;fgsf] nflu Joj:yf lkmtf{ – – 3= z+sf:kb cf;fdL Joj:yf lkmtf{ – – 4= cGo Joj:yf lkmtf{ – –

hDdf 576,795 –

cg';"rL–!#ckn]vg vr{x?qm=;+= ljj/0f o; aif{ ut aif{1= k|f/lDes vr{x? – – 2= k"j{ ;+rfng vr{x? – – 3= k/ ;fl/Psf vr{x? – – 4= ckn]vg ul/Psf] nufgL – – 5= ckn]vg ul/Psf] shf{ – – 6= ckn]vg ul/Psf] cf;fdL – – 7= cGo ckn]vg vr{x? – –

hDdf – –

cg';"rL–!# sz]o/ ;DaGwL vr{{qm=;+= ljj/0f o; aif{ ut aif{1= z]o/ lgZsf;g vr{ 270,000 – 2= z]o/ /lhi6]«;g vr{ 200,000 3= z]o/ ;"lrs/0f vr{ 50,000 50,000 4= nfef+z ljt/0f vr{ – – 5= z]o/ ;DaGwL cGo vr{ 964,500 206,463

hDdf 1,484,500 256,463

cg';"rL–!$cGo vr{x|?qm=;+= ljj/0f o; aif{ ut aif{1= b)* hl/jfgf – – 2= ljnDa z'Ns hl/jfgf 314,067 3= cGo – –

hDdf – 314,067

cg';"rL–!%gf]S;fgLsf] nflu Joj:yfqm=;+= ljj/0f o; aif{ ut aif{1= nufgLdf gf]S;fgsf] nflu Joj:yf lkmtf{ 1,152,967 576,796 2= shf{df gf]S;fgsf] nflu Joj:yf lkmtf{ – 34,134 3= z+sf:kb cf;fdL Joj:yf lkmtf{ – – 4= cGo Joj:yf lkmtf{ – –

hDdf 1,152,967 610,930



cg';"rL–!^-s_ z]o/ k"FhL

qm=;+= ljj/0f o; aif{ ut aif{

1= clws[t k"FhL

s_ ? !)) b/sf] %)))))) yfg ;fwf/0f z]o/ 500,000,000 500,000,000

v_ ?===== b/sf] ====yfg ckl/jt{gLo cu|flwsf/ z]o/ – –

u_ ?===== b/sf] ==== yfg kl/jt{gLo cu|flwsf/ z]o/ – –

2= hf/L k"FhL

s_ ? !)) b/sf] %)))))) yfg ;fwf/0f z]o/ 500,000,000 500,000,000

v_ ?=== b/sf] ====yfg ckl/jt{gLo cu|flwsf/ z]o/ – –

u_ ?=====b/sf] ====== yfg kl/jt{gLo cu|flwsf/ z]o/ – –

3= r'Qmf k"FhL

s_ ? !)) b/sf %)))))) yfg ;fwf/0f z]o/ 500,000,000 500,000,000

Go"g e'QmfgL k|fKt x'g afFsL ?===b/sf] ==yfg ;fwf/0f z]o/ – –

v_ ?===== b/sf] ====== yfg ckl/jt{gLo cu|flwsf/ z]o/ – –

u_ ?===== b/sf] ====== yfg kl/jt{gLo cu|flwsf/ z]o/ – –

hDdf 500,000,000 500,000,000

-v_ z]o/ :jfldTjsf] ;+/rgf

z]o/wgLo; aif{ ut aif{

;fwf/0f z]o/ ;+Vof :jfldTjsf] % ;fwf/0f z]o/ ;+Vof :jfldTjsf] %

;+:y

fks

g]kfnL ;+ul7t ;+:yfx? 1,978,099 39.56 1,978,099 39.56

g]kfnL gful/s 1,521,901 30.44 1,521,901 30.44

ljb]zL – – – –

hDdf 3,500,000 70 3,500,000 70

;j{;fwf/0f 1,500,000 30 1,500,000 30

cGo -ljj/0f v'nfpg]_ – – – –

s"n 5,000,000 100 5,000,000 100



Ps k|ltzt jf al9 z]o/ :jldTj ePsf z]o/wgLx?sf] ljj/0f

qm+=;+= ljj/0f

o; aif{ ut jif{

:jfldTjsf]

%/sd :jfldTjsf] % /sd

1 >L dx]z s'df/ cu|jfn 1=11Ü 5,555,600 1=11Ü 5,555,600

2 o'lgl6s OGe]i6d]G6 k|f= ln= 10=28Ü 51,388,900 10=28Ü 51,388,900

3 o'gfO{6]8 OGe]i6;{ k|f= ln= 8=00Ü 39,987,500 8=00Ü 39,987,500

4 >L lj/]Gb| s'df/ ;+3O{ 2=22Ü 11,111,100 2=22Ü 11,111,100

5 k|'8]lG;on Soflk6n Dofg]hd]G6 s+= k|f= ln = 11=76Ü 58,821,000 11=76Ü 58,821,000

6 >L ljzfn cu|jfn 1=82Ü 9,100,000 1=82Ü 9,100,000

7 >L lgs'GHf cu|jfn 1=74Ü 8,688,700 1=74Ü 8,688,700

8 >L hulbz k|;fb cu|jfn 1=04Ü 5,200,000 1=04Ü 5,200,000

9 >L cg'h cu|jfn 1=06Ü 5,300,000 1=06Ü 5,300,000

10 Kof/fdfpG6 O{n]S6«f]lgS; k|f=ln= 1=11Ü 5,555,600 1=11Ü 5,555,600

11 k'hf OG6/g]zgn g]kfn k|f=ln= 1=40Ü 7,022,100 1=40Ü 7,022,100

12 Unf]an 6]«l8Ë sG;g{ k|f=ln= 1=48Ü 7,391,700 1=48Ü 7,391,700

13 >L czf]s s'df/ cu|jfn 4=08Ü 20,398,800 4=08Ü 20,398,800

14 o'gfO6]8 l8l:6Ao'6;{ g]kfn k|f=ln= 1=72Ü 8,623,600 1=72Ü 8,623,600

15 >L rGb| k|;fb 9sfn 2=06Ü 10,282,500 2=06Ü 10,282,500

16 >L slatf ;+3O{ 3=50Ü 17,500,100 3=50Ü 17,500,100

17 cfO{PdO{ u'|k k|f=ln= 4=51Ü 22,561,100 3=90Ü 19,481,200

18 >L c/lkt cu|jfn 1=34Ü 6,700,000 1=34Ü 6,700,000=00

19 >L lbk]z v]]]tfg cu|jfn 2=02Ü 10,076,900 2=02Ü 10,076,900=00

hDdf 62=25Ü 311,265,200 62Ü 308,185,300



cg';"rL–!&hu]8f tyf sf]ifqm=;+= ljj/0f o; aif{ ut aif{

1= :yug s/ hu]*f 108,010,738 59,528,253 2= k"FhLut hu]8f – – 3= ljz]if hu]8f – – 4= cGo hu]8f -ljj/0f v'nfpg]_ – – 5= z]o/ lk|ldod 27,671,786 27,671,786 6= k|:tfljt af]gz z]o/ 96,875,000 31,250,000 7= k"FhLs[t x'g af+sL af]g; z]o/ – – 8= Gffkmf gf]S;fg lx;faaf6 ;f/]sf] gfkmf 24,654,386 23,566,907

hDdf 257,211,910 142,016,946

cg';"rL–!*dxf–ljklQ hu]8f

jif{sf] z'?df dxf–ljklQ hu]8f gfkmf gf]S;fg lx;faaf6 ;f/]sf] jif{sf] cGTodf dxf–ljklQ hu]8fo; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

11,440,234 9,246,088 13,183,212 2,194,146 24,623,446 11,440,234 – – – – – – – – – – – –

hDdf 24,623,446 11,440,234

cg';"rL–!(ltg{ jfsL bL3{sflng C0f tyf ;fk6Lqm=;+= ljj/0f o; aif{ ut aif{

1= l8a]Gr/ ÷ a08 – –2= a}+s – –3= ljQLo ;+:yf – –4= cGo -ljj/0f v'nfpg]_ – –

hDdf – –



cg';"rL–@)

l:y/ ;DklQ

ljj/

0f

k/n

df]n

x|f; s

§Lv'b

df]n

z'? d

f}Hbft

o; j

if{ yk

]sf]

o; j

if{ 36

]sf]

hDdf

ut j

if{;Dd

o; j

if{laqmL÷

;dfof]h

ghD

dfo;

jif{;

Ddsf

]Uft

jif{;

Ddsf

]

lk|m x

f]N8 h

ldg

–

–

–

–

–

–

–

–

–

–

ejg

–

–

–

–

–

–

–

–

–

–

kmlg{r/

tyf

lkmS;

\r;{

7,70

1,933

1

,364,

098

–

9,066

,031

3

,703,5

30

1,14

7,536

–

4

,851

,067

4

,214,

965

3,998

,403

sfof

{no ;

fdfg

6,33

2,181

1

,141,3

94

–

7,4

73,575

2

,346,5

66

1,14

8,97

7 –

3

,495

,544

3

,978

,031

3

,985

,615

sDKo

"6/ t

yf ;

"rgf k

|ljwL

pks

/0f

10,11

3,774

2

,446

,535

–

1

2,560

,309

4,22

7,728

1

,786,7

45

–

6,014

,473

6

,545

,836

5

,886

,046

cb[Zo

;Dk

lQ -l

jj/0

f v'nf

pg]_

222

,165

–

–

222

,165

127

,025

4

0,87

7 –

1

67,902

5

4,26

3 9

5,14

0

;jf/L

;fw

g 1

3,959

,249

8,4

85,67

5 1

,338,

200

21,1

06,72

4 2

,651,5

85

3,23

7,895

7

17,68

8 5

,171,7

93

15,93

4,93

1 1

1,307

,664

lnh

xf]N8

;Dk

lQ 2

,485

,748

1,23

2,761

–

3

,718,

508

754

,496

5

29,8

13

–

1,28

4,30

9 2

,434

,199

1,73

1,252

cGo

-h]g]/

]6/_

1,39

9,89

9 –

–

1

,399,89

9 5

47,504

1

27,8

59

–

675

,363

724

,536

8

52,39

5

hDdf

42,21

4,94

9 14,

670,46

3 1,33

8,20

0 5

5,54

7,21

1 14,

358,

435

8,019

,703

7

17,688

2

1,660

,450

3

3,886

,761

2

7,85

6,51

4

lgdf

{0fflwg

k'FhLu

t vr

{ –

–

–

–

–

–

–

–

–

–

s'n 4

2,21

4,94

9 14,

670,46

3 1,33

8,20

0 5

5,54

7,21

1 14,

358,

435

8,019

,703

7

17,688

2

1,660

,450

3

3,886

,761

2

7,85

6,51

4

ut j

if{ 3

0,46

7,07

8 16,51

5,87

1 4

,768

,000

4

2,21

4,94

9 9

,944

,579

5

,974

,975

1,561

,119

14,

358,

435

27,

856,51

4 2

0,52

2,49

9



cg';"rL–@!nufgLqm=;+= ljj/0f o; aif{ ut aif{

-s_ bL#{sflng nufgL M

!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L 15,000,000 49,752,000

@= jfl0fHo a}+ssf] d'2tL lgIf]k 242,500,000 145,000,000

#= ljsf; a}+ssf] d'2tL lgIf]k 80,000,000 110,000,000

$ gful/s nufgL of]hgf – –

% ljQLo ;+:yfsf] d'2tL lgIf]k 29,000,000 148,200,000

^ cfjf; ljQ sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! adf]lhd_ – –

& cGo sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! adf]lhd_ 276,842,773 190,125,117

* a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8j]Gr/ – –

( cGoM laleGg a}+sx¿sf] j08x¿ 107,425,000 107,425,000

hDdf 750,767,773 750,502,117

-v_ cNksflng nufgL M

!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L – 10,000,000

@= jfl0fHo a}+ssf] d'2tL lgIf]k 875,500,000 592,000,000

#= ljsf; a}+ssf] d'2tL lgIf]k 256,000,000 125,000,000

$ gful/s nufgL of]hgf – –

% ljQLo ;+:yfsf] d'2tL lgIf]k 110,000,000 5,000,000

^ a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8j]Gr/ – –

& afl0fHo j}+ssf] Aofh k|fKt x'g] cGo lgIf]k 321,363,429 121,354,440

* ljsf; j}+ssf] Aofh k|fKt x'g] cGo lgIf]k 3,915,356 8,256,556

( ljlQo ;+:yfsf] Aofh k|fKt x'g] cGo lgIf]k 1,911,021 1,322,566

!) cGo Jofh k|fKt x'g] nufgL – –

hDdf 1,568,689,806 862,933,562

s'n 2,319,457,579 1,613,435,679



cg';"rL–@!=!z]o/df nufgL

qm=;+= sDkgL v'b /sd c+lst d"No k/n d"No ahf/ d"No

1 PgcfO{;L Pl;of a}+s lnld6]8sf] ($%@ yfg z]o/ k|lt z]o/ ? #!#.@) 2,960,378 945,200 2,960,378 7,542,696

2 g]kfn OGe]i6d]G6 a}+ssf] #@# yfg z]o/ k|lt z]o/ ? %&@.#$ 184,865 32,300 184,865 335,920

3 g]kfn OGe]i6d]G6 a}+ssf] &!&#) yfg z]o/ k|lt z]o/ ? $!!.*%- ;+:yfks_ 29,590,538 7,173,000 29,590,538 64,341,810

4 hgtf a+}s lnld6]8 #,)() yfg z]o/ k|lt z]o/ ? !)).)) 300,000 309,000 300,000 1,390,500

5 glan Do'rn kmG8 @,&*,&#& OsfO{ k|lt OsfO{ ?=!@.!* 3,395,260 2,787,370 3,395,260 6,118,277

6 glan a}+s lnld6]8 @$^$) yfg z]o/ k|lt z]o/ ? **(.%#-;+:yfks_ 21,917,908 2,464,000 21,917,908 43,982,400

7 Pe/]i6 a+}s lnld6]8 &,@)$ yfg z]o/ k|lt z]o/ ?@)$).#& 14,698,791 720,400 14,698,791 24,385,540

8 Unf]an cfO{PdO{ a+}s lnld6]8 @#,&(& yfg z]o/ k|lt z]o/ ? $#$.(& 10,350,889 2,379,700 10,350,889 12,255,455

9 PgPdla a}+s lnld6]8 ^,$^@ yfg z]o/ k|lt z]o/ ?%@).^# 3,364,280 646,200 3,364,280 5,092,056

10 s'df/L a}+s lnld6]8 ^!,#)* yfg z]o/ k|lt z]o/ ? %(.*$ -;+:yfks_ 3,668,884 6,130,800 3,668,884 11,587,212

11 nIdL a}+s lnld6]8 $&& yfg z]o/ k|lt z]o/ ? @#.)^ 11,000 47,000 11,000 396,864

12 ;g/fOh a}s lnld6]8 !@, #(& yfg z]o/ k|lt z]o/ ? #!@.&& 3,877,468 1,239,700 3,877,468 9,272,956

13 ;fgf ls;fg lasf; a}+s lnld6]8 ^!@ yfg z]o/ k|lt z]o/ ? !*^$.&! 1,141,202 61,200 1,141,202 1,529,388

14 ?/n dfOs|f] kmfOgfG; lasf; a}+s lnld6]8 !,!#% yfg z]o/ k|lt z]o/ ? !^#.^& 185,760 113,500 185,760 1,575,380

15 s[lif lasf; a+}s lnld6]8 @,^*( yfg z]o/ k|lt z]o/ ? ^$@.!% 1,726,735 268,900 1,726,735 2,065,152

16 g]kfn a+}s lnld6]8 #*,%^$ yfg z]o/ k|lt z]o/ ? #($.%( 15,217,145 3,856,400 15,217,145 18,125,080

17 ;flgdf a+}s lnld6]8 $,#!* yfg z]o/ k|lt z]o/ ? #^$.%* 1,574,248 431,800 1,574,248 3,238,500

18 l;¢fy{ a+}s lnld6]8 !)%&) yfg z]o/ k|lt z]o/ ? %%#.#& 5,849,085 1,057,000 5,849,085 9,185,330

19 lxdfnog a+}s lnld6]8 $,^&* yfg z]o/ k|lt z]o/ ? (^(.&$ 4,536,433 467,800 4,536,433 7,017,000

20 l/8L xfO8f]kfj/ ljsf; ln= #^ lsQf k|lt z]o/ ?=!)) 3,600 3,600 3,600 13,428

21 l;4fy{ Do'Ro'n kmG8 %,*(,&&$ OsfO{ k|lt OsfO{ ?=!) 5,897,740 5,897,740 5,897,740 7,667,062

22 nIdL nB'ljQ ljQ ;+:yf $! Yffg z]o/ k|lt z]o/ ? !)) 4,100 4,100 4,100 137,555

23 k'|8]G;Lon OG:of]/]G; sDkgL !,$)* Yffg z]o/ k|lt z]o/ ? @!*.() 308,206 140,800 308,206 2,027,520

24 g]kfn b'/;~rf/ sDklg ln %,()% yfg z]o/ k|lt z]o/ ?=^#%.@* 3,751,342 590,500 3,751,342 4,068,545

25 d'StLgfy ljsf; a}s ln !&,%*$ yfg z]o/ k|lt z]o/ ? $@).)( 7,386,855 1,758,400 7,386,855 22,982,288

26 ul/df ljsf; a}s ln !),#&# yfg z]o/ k|lt z]o/ ? @*!.)! 2,914,905 1,037,300 2,914,905 3,661,669

27 lxdfnog hg{/n OG:of]/]G; s ln ^# yfg z]o/ k|lt z]o/ ?=$%%.#^ 28,688 6,300 28,688 86,940

28 l;¢fy{ OG:of]/]G; sDklg lnld6]8 @,)$* yfg z]o/ k|lt z]o/ ? *)@.$* 1,643,473 204,800 1,643,473 4,505,600



29 PgcfO aLPn Dofr'cn kmG8 *^,($% yfg o'lg6 k|lt o'lg6 ? !).)) 869,450 869,450 869,450 1,147,674

30 nIdL Eofn' kmG8 @,%%,*)^ OsfO{ k|lt OsfO{ ?=!).*@ 2,767,459 2,558,060 2,767,459 3,320,362

31 ljhof nB'ljQ ljQ ;+:yf %)) Yffg z]o/ k|lt z]o/ ? !&#$.)& 867,034 50,000 867,034 875,000

32 Slng len]h dfO{qf]kmfOgfG; ! lsQf k|lt OsfO{ ?=().() 91 100 91 4,100

33 g]kfn P;ljcfO a}s ln @$%!lsQf z]o/ k|lt z]o/ ? (&^.%* 2,393,600 245,100 2,393,600 4,595,625

34 gfu/Ls nufgL sf]if $,!** lsQf z]o/ k|lt z]o/ ?#@%^.@$ 13,637,128 418,800 13,637,128 21,547,260

35 OGgf]e]6Le 8]enkd]G6 a}s ln @!% lsQf z]o/ k|lt z]o/ ?$)%.#% 87,150 21,500 87,150 89,225

36 sfs|]ljxf/ ljsf; a}s ln !)))) lsQf z]o/ k|lt z]o/ ? !!@ 1,120,000 10,000 1,120,000 1,120,000

39 g]kfn OG:of]/]G; sDklg ln @%))) lsQf z]o/ k|lt z]o/ ?$^!.)@ 11,525,598 2,500,000 11,525,598 11,526,250

40 /fli6«o ladf sDklg k|f]df]6/ %)( lsQf z]o/ k|lt z]o/ ? !^&@$.!^ 8,512,597 2,500,000 8,512,597 7,943,454

41 tf/fufFp l/h]G;L xf]6n @%))) lsQf z]o/ k|lt z]o/ ? @%*.*$ 6,470,964 2,500,000 6,470,964 6,400,000

42 g]kfn u|fdLg ljsf; a}s !))) lsQf z]o/ k|lt z]o/ ? !@)%.(^ 1,205,959 100,000 1,205,959 1,080,000

43 lgw{Gf pyfGg a}s $%) lsQf z]o/ k|lt z]o/ ? @^!^.!% 1,177,269 45,000 1,177,269 1,089,000

44 PgPnlh OG:of]/]G; s=ln !@(^ lsQf z]o/ k|lt z]o/ ? @!(#.@# 2,842,432 129,600 2,842,432 2,553,120

45 lk|dLo/ OG:of]/]G; s=ln !))) lsQf z]o/ k|lt z]o/ ? @!#@.$@ 2,132,424 100,000 2,132,424 2,205,000

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45 ltgfp ljsf; a}s ln (^* lsQf z]o/ k|lt z]o/ ?%)).$) 484,385 96,800 484,385 621,456

46 ;fu|Lnf 8]enkd]G6 a}s ln @)))) lsQfz]o/ k|lt z]o/ ?$)%.)) 8,100,000 2,000,000 8,100,000 8,500,000

47 g]kfn aªnfb]z a}s ln #(## lsQf z]o/ k|lt z]o/ ?&^*.#* 3,022,023 393,300 3,022,023 3,382,380

48 l;v/ OG:of]/]G; s=ln @#&$ lsQf z]o/ k|lt z]o/ ? @,##*.&! 5,552,103 237,400 5,552,103 7,713,126

49 hn lj3't ljsf; sDkgL ln @*(^$ lsQf z]o/ k|lt z]o/ ? !)).)) 2,896,400 2,896,400 2,896,400 12,541,412

50 gf+lbu|'k kfj/ sDklg ln %&( lsQfz]o/ k|lt z]o/ ? !)).)) 57,900 57,900 57,900 57,900

51 Unf]an cfOPdO ;d'Gt of]hgf @#&#@*OsfO{ k|lt OsfO{ ?=!).)) 2,373,280 23,732,800 2,373,280 2,838,443

52 l;4fy{ OGe]i6d]G6 u|f]y Ol:sd kmG8 %),))) OsfO{ k|lt OsfO{ ?@^.!( 1,309,320 500,000 1,309,320 1,300,000

53 PgPdlj ;'ne OGe]i6d]G6 kmG8 ,%%,()) OsfO{ k|lt OsfO{ ?=!#.(! 777,666 559,000 777,666 788,190

54 g]kfn k'gaL{Dff sDkgL lnld6]8 %)!,^^^ yfg z]]o|/ k|lt z]o/ ? !)).)) 50,166,667 50,166,667 50,166,667 50,166,667

hDdf 276,842,773 133,466,787 276,842,773 427,997,867



cg';"rL–@@gub tyf a}+s df}Hbft

qm=;+= ljj/0f o; aif{ ut aif{1 gub tyf r]s df}Hbft 84,086,442 53,422,879

hDdf 84,086,442 53,422,879 2 a}+s df}Hbft

jfl0fHo a}+sx?sf] df}Hbft 5,215,319 4,178,431 ljsf; a}+sx?sf] df}Hbft 8,000 8,000 ljQLo ;+:yfx?sf] df}Hbft – – cGo -ljj/0f v'nfpg]_ – –

hDdf 5,223,319 4,186,431 s"n 89,309,761 57,609,310

cg';"rL–@#cGo shf{

qm=;+= ljj/0f o; aif{ ut aif{s lb3{sflng shf{ – – 1 clestf{nfO{ shf{ 34,749,278 26,924,849 2 sd{rf/LnfO{ shf{ – – 3 cGo -ljj/0f v'nfpg]_ – –

hDdf 34,749,278 26,924,849 v cNksflng shf{ – – 1 clestf{nfO{ shf{ – – 2 sd{rf/LnfO{ shf{ 27,526,384 20,954,018 3 cGo -ljj/0f v'nfpg]_ – –

hDdf 27,526,384 20,954,018 hDdf 62,275,662 47,878,867

cg';"rL–@$cGo ;DkQL

qm=;+= ljj/0f o; aif{ ut aif{1 nufgLaf6 k|fKt x'g afFsL cfo 17,495,843 30,881,732 2 aLdfn]vsf] lwtf]df shf{af6 k|fKt x'g afFsL Aofh 5,021,005 2,199,299 3 cGo -aLdfn]vsf] lwtf]df afx]s_ shf{af6 k|fKt x'g afFsL Aofh 423,325 194,165 4 cGo aLdsaf6 k|fKt x'g afFsL – – 5 k'gaL{dsaf6 k|fKt x'g afFsL – – 6 ljljw cf;fdL -1,348,494_ 2,285,233 7 clu|d e'QmfgL 85,341,594 66,361,991 8 sd{rf/L k]ZsL 148,575 376,002 9 cGo k]ZsL 1,693,355 433,509 10 w/f}6L 408,265 1,095,380 11 c;'n x'g afFsL aLdfz'Ns – –

Go"g M c;'n x'g afFsL aLdfz'Ns d'NtjL -suspense_ – – 12 cGoM df}Hbft -ckmL; ;fdfg_ 1,779,707 1,878,071 13 cGoM :yug s/ ;DkQL 108,010,738 59,528,253

hDdf 218,973,913 165,233,635



cg';"rL–@%rfn' bfloTj

qm=;+= ljj/0f o; aif{ ut aif{1 clestf{nfO{ lbg afFsL 57,273,134 38,734,156 2 cGo aLdsnfO{ lbg afFsL 2,162,030 – 3 k'gaL{dsnfO{ lbg afFsL 13,465,629 27,804,473 4 cNksflng shf{ – – 5 aLdfz'Ns w/f}6L 4,078,237 1,857,312 6 k"0f{ ljj/0f gv'n]sf] aLdfz'Ns 3,069,870 1,942,317 7 ljljw ;fx" 4,977,502 5,259,626 8 ;xfos÷xf]lN8Ë sDkgLnfO{ lbg afFsL – – 9 >f]tdf s§f ul/Psf] s/ ltg{ afFsL 18,311,735 11,581,648 10 d"No clea[{l4s/ ltg{ afFsL – – 11 ;]jf z'Ns ltg{ afFsL 10,786,530 7,258,025 12 sd{rf/LnfO{ lbg afFsL 806,914 562,913 13 ;+rfnsnfO{ lbg afFsL – – 14 cGoM

-s_ sd{rf/L sNof0f sf]if 113,499 120,365 -v_ sn O{g P8efG; -xsk|b z]o/ afkt_ 25,038,000 –

hDdf 140,083,081 95,120,835

cg';"rL–@^c;dfKt hf]lvd Joj:yf

qm=;+= ljj/0f o; aif{ ut aif{1 a}b]lzs /f]huf/ DofbL lhjg aLdf 183,780,939 115,000,000 2 DofbL hLjg aLdf 129,764 77,724

hDdf 183,910,703 115,077,724



cg';"rL–@&

ckn]vg÷;dfof]hg x'g afFsL ljljw vr{x?

qm=;

+=ljj/

0fo;

aif{

ut a

if{1

ckn

]vg

ug{

afFsL k|f/lDe

s v

r{

–

–

2

ckn

]vg

ug{

afFsL k"j

{ ;+rfn

g vr{

–

–

3

ckn

]vg

ug{

afFsL nufg

L lk|ld

od

–

–

4

ckn

]vg

ug{

afFsL :y

ug

ul/Ps

f vr{

–

–

5

cGo

-ljj/

0f v

'nfp

g]_ –

–

hDd

f –

–

cg';"rL–@^ s

cGo Joj:yf

qm=;

+=ljj/

0fjif{s

f] ;'?d

f Joj

:yf

rfn'

cf=j=d

f yk

ul/P

sf]

Joj:

yf

rfn'

cf=j=d

f ckn

]vg ÷

e'Qmfg

L ul/Ps

f] Joj

:yf

rfn'

cf=j=d

f lkmt

f{

ul/P

sf] Joj

:yf

aif{s

f] cGTo

df s

fod

/x]sf

]]

Joj:

yf

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

1nf

ef+z

cfos

/ sf

] nflu

Joj:

yf 1

,644,

737

–

3,4

53,947

1

,644,

737

–

–

–

–

5,098

,684

1,64

4,73

7

2cf

os/

Joj:

yf –

2

32,037

–

–

–

2

32,037

–

–

–

–

3nu

fgLd

f gf]S;

fgLs

f]] nflu

Joj:

yf 5

76,79

6 –

1

,152,9

67

576

,796

–

–

576,7

95

–

1,15

2,967

5

76,79

6

4sh

f{df g

f]S;fg

Lsf]] n

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37,5

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1,516

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32,4

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2,971

,953

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22,117

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cg';"rL–@*

ljQLo ljj/0f;+u ;DalGwt k|d'v n]vf gLltx?! ljQLo ljj/0f tof/Lsf cfwf/x? M cGoyf pNn]lvt ul/Psf]df afx]s sDkgLn] ljQLo ljj/0fx? g]kfn n]vfdfg, sDkgL P]g @)^#, aLdf lgodfjnL @)$( tyf

aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{zg, @)^% -ldlt @)^&.)%.@! kl/dflh{t_ cg';f/ P]ltxfl;s d"No cjwf/0ff tyf k|f]befjL (Accrual) cfwf/df tof/ ul/Psf] 5 .

@= l:y/ ;DklQ n]vfÍg gLlt M sDkgLn] l:y/ ;DklQx? P]ltxfl;s d"No cjwf/0ff (Historical Cost Concept) sf] cfwf/df nfut d'Nodf n]vfÍg ug]{ gLlt

cjnDag u/]sf]] 5 .

#= Xf; s§L gLlt M ;+rfns ;ldltsf] lg0f{o cg';f/ l:y/ ;DklQsf] x|f; s§L cfos/ P]g @)%* 4f/f lgb]{lzt b/ cGtu{t 36\bf] x|f; k|0ffnL

cg';f/ l:y/ ;DklQsf] pkof]u u/]sf] cjlwsf] cfwf/df x|f; s§L ug]{ gLlt cjnDag u/]sf]] 5 . t/ sDkgLn] lnhxf]N8 ;DklQdf !) jif{ ggf£g] ul/ ckn]vg ug]{ gLlt cjnDag u/]sf]] 5 .

$= k"FhLs[t gul/g] ;DklQx? ;DaGwL n]vfÍg gLlt M sDkgLn] k|lt OsfO ? @,%))÷— ;Dd d"No kg]{ ;fdfgx? k"FhLut k|s[tLsf] eP klg k|s[tL x]/L vl/b ePs} aif{df vr{ n]Vg]

gLlt cjnDag u/]sf]] 5 .

%= cfos/ Joj:yf tyf afF8kmFf8 gLlt M sDkgLn] cfos/ P]g @)%* / cfos/ lgodfjnL @)%( cg';f/ cfos/sf] Joj:yf u/]sf]]] 5 . s"n cfos/ /sd -:yug s/ ;dfof]hg

ug'{ eGbf klxnfsf]_nfO{ aLdf ;ldltsf] ljQLo ljj/0f ;DalGw lgb]{zg, @)^% cg';f/ gfkmf gf]S;fg lx;fj tyf cfo Joo lx;fasf] ef/ cg';f/ afF8kmfF8 ug]{ gLlt cjnDag u/]sf]] 5 . :yug s/nfO{ gfkmf gf]S;fg lx;fjdf b]vfpg] gLlt cjnDag ul/Psf]] 5 .

^= nufgL n]vfÍg gLlt M sDkgLsf] nufgL n]vfÍg gLlt lgDg cg';f/ /x]sf] 5 .

-s_ g]kfn ;/sf/sf] jrtkq÷C0fkq jf g]kfn ;/sf/sf] hdfgt k|fKt C0fkqdf jf klAns lnld6]8 sDkgLsf] artkq÷C0fkqdf ul/Psf] nufgLnfO{ n]vfÍg ubf{ aLdf ;ldltsf] ljQLo ljj/0f ;DjGwL lgb]{zg @)^% adf]lhd clÍt d"No (Face Value) jf k/n d"No dWo] h'g 36L 5 ;f]xL d"Nodf n]vfÍg ug]{ gLlt cjnDag u/]sf]] 5 .

-v_ v08 -s_ adf]lhd ul/Psf] nufgLsf] clÍt d"No eGbf k/n d"No a9L ePdf To:tf] a9L /sdnfO{ :yug ul/Psf] vr{ (Deferred Expenditure) sf] ?kdf n]vfÍg u/L ;f] vr{nfO{ To:tf] nufgLsf] cjwL leq ;dfg'kflts cfwf/df (Pro-rata Basis) ckn]vg ug]{ gLlt /x]sf] 5 .

-u_ v08 -s_ adf]lhd ul/Psf] nufgLsf] clÍt d'No eGbf k/n d'No sd ePdf To:tf] km/s /sdnfO{ nufgL cjlw leq ;dfg'kflts cfwf/df nufgLaf6 cfosf] ?kdf n]vfÍg ug]{ gLlt /x]sf] 5 .

-3_ v08 -s_ adf]lhdsf jrtkq jf C0fkqsf] n]vfÍg ul/Psf] d"No eGbf ahf/ d"No sd x'g uPdf To:tf] km/s /sdsf] a/fa/ Joj:yf (Provision) ug]{ gLlt /x]sf] 5 .

-ª_ a}+s÷ljQLo ;+:yfsf] d'2tL lgIf]k jf gfu/Ls nufgL sf]ifsf] nufgL of]hgfx?df ul/Psf] nufgLnfO{ ;fFjf /sddf b]vfOg] gLlt /x]sf] 5 . t/ To:tf] nufgLsf] Dofb ;dfKtL kl5 s'g} sf/0fj; tTsfn lkmtf{ x'g g;Sg] cj:yf >[hgf ePdf To:tf] nufgL /sdsf] a/fa/ Joj:yf ug]{ gLlt cjnDag u/]sf] 5 .

-r_ klAns lnld6]8 sDkgLsf] ;"lrs[t z]o/df ul/Psf] nufgLnfO{ k/n d"No jf ahf/ d"No dWo] h'g 36L 5 ;f]xL d"Nodf b]vfpg] / z]o/df ul/Psf] nufgLsf] n]vfÍg nufgL ul/Psf] d"No eGbf ahf/ d"No sd x'g uPdf To:tf] km/s /sd a/fa/ nufgLdf gf]S;fgLsf] lgldQ Joj:yf (Provision) ug]{{ gLlt /x]sf] 5 .

-5_ klAns lnld6]8 sDkgLsf] ;+:yfks z]o/df nufgL ul/Psf] z]o/ k|rlnt sfg'g adf]lhd lwtf]kq ahf/df ;"lrs[t gePdf lgDg cg';f/ ug]{ gLlt cjnDag u/]sf] 5 .



-c_ sDkgLn] z]o/df nufgL u/]sf] klAns lnld6]8 sDkgLn] sf/f]jf/ ug]{ Ohfhtkq kfPsf] ldltn] tLg aif{ ;Dd To:tf] nufgLnfO{ k/n d"Nodf b]vfpg] gLlt /x]sf] 5 .

-cf_ sDkgLn] z]o/df nufgL u/]sf] klAns lnld6]8 sDkgLn] sf/f]jf/ ug]{ Ohfhtkq kfPsf] ldltn] tLg aif{ kl5 To:tf] nufgLnfO{ k/n d"Nodf b]vfO{ ;f] nufgL a/fa/sf] Joj:yf ug]{ gLlt /x]sf] 5 .

-h_ v08 -r_ adf]lhd nufgL ul/Psf] z]o/ k|rlnt sfg'g adf]lhd lwtf]kq ahf/sf] ;"rLaf6 x6]df (De-listed ePdf) ;f] nufgL a/fa/sf] Joj:yf ug]{ gLlt /x]sf] 5 .

k|rlnt sfg'g adf]lhd sDkgLsf] :jfldTjdf gcfPsf] jf g/x]sf] z]o/, artkq, C0fkq jf cGo ;DklQnfO{ nufgLdf ;dfj]z gug]{ gLlt cjnDag u/]sf] 5 .

&= ;6xL 36a9 ;dfof]hg gLlt M sDkgLn] ljb]zL d'b|fdf /x]sf] ;DklQ / bfloTjnfO{ aiff{Gtsf] ljlgdo b/n] ?kfGt/ ug]{ tyf b}lgs ljlgdo b/af6 pTkGg

km/snfO{ gfkmf gf]S;fg lx;fadf n]vfÍg ug]{ gLlt cjnDag u/]sf] 5 .

*= aLdfz'Ns cfDbfgL n]vfÍg gLlt M sDkgLn] aLdf z'Ns cfDbfgL lx;fj, aLdf P]g tyf lgb]{lzsf adf]lhd, gub cfwf/df n]vfÍg ug]{ gLlt ckgfO{Psf]] 5 .

(= k'gaL{df sldzg cfDbfgL n]vfÍg gLlt M sDkgLn] k'gaL{df u/] afkt k|fKt x'g] d'gfkmf sldzgnfO{ gub k|flKtsf] cfwf/df cfDbfgL afWg] t/ k'gaL{dsaf6 lnlvt

;dy{g k|fKt ePsf] cj:yfdf gub k|flKt ;/x dfGg] gLlt cjnDag u/]sf] 5 .

!)= cGo cfo n]vfÍg tyf afF8kmFf8 gLlt M sDkgLn] nufgLdf k|fKt ug]{ Jofh tyf cGo cfDbfgLnfO{ k|f]befjL (Accrual) cfwf/df n]vfÍg u/L ljQLo ljj/0f lgb]{zg @)^%

cg';f/ s'n cfDbfgLnfO{ cfo Joo lx;fj tyf gfkmf gf]S;fg lx;fjsf] ef/ adf]lhd afF8kmfF8 ug]{ gLlt cjnDag u/]sf] 5 .

!!= shf{ n]vfÍg gLlt M sDkgLn] k|bfg u/]sf] shf{nfO{ -c;'nL x'g] kof{Kt cfwf/ ePsf]_ ;f+jfdf n]vfÍg ul/g] 5 . aLdfn]vsf] lwtf]df k|bfg u/]sf]

afx]s lgis[o shf{ h'g nuftf/ tLg dlxgf jf ;f] eGbf a9L cjlwsf] efsf gf3]sf] ePdf ;f] shf{ a/fa/ /sd Joj:yf ug]{ gLlt /x]sf] 5 . aLdfn]vsf] lwtf]df k|bfg u/]sf] shf{sf] xsdf aLdfn]vsf] ;t{ adf]lhd To:tf] shf{ ;+u ;DalGwt aLdfn]v hkmt x'g' kg]{ ;dofjwL Plsg u/L hkmt x'g' kg]{ aLdfn]vsf] lwtf]df k|bfg ul/Psf] shf{nfO{ shf{ lzif{saf6 x6fO{ ;dfof]hg ug]{ u/]sf] 5 . k|To]s cfly{s jif{sf] cGTodf hkmt x'g] aLdfn]v Plsg ul/g] gLlt /x]sf] 5 .

!@= Joj:yfkg vr{ afF8kmFf8 gLlt M sDkgLNf] s"n Joj:yfkg vr{nfO{ af+8kmf8+ ubf{ ljQLo ljj/0f ;DjGwLlgb]{zg @)^% cg';f/ gfkmf gf]S;fg lx;fjdf !)

k|ltzt / af+sL /sdnfO{cfo Joo lx;fjdf ltgLx?sf] ef/ cg';f/ afF8kmfF8 ug]{ gLlt cjnDag u/]sf] 5 .

!#= aLdf bfjL e'QmfgL vr{ n]vfÍg gLlt M sDkgLNf] e'QmfgL eO;s]sf] bfjL /sdnfO{ jf:tljs e'QmfgLsf] cfwf/df n]vfÍg ug]{ gLlt cjnDag u/]sf] 5 .

!$= aLdf bfjL afkt bfloTj Joj:yf n]vfÍg gLlt M -s_ >[hgf ePsf] t/ hfgsf/Ldf gcfPsf] (IBNR) aLdf bfjL afkt bfloTj Joj:yf ;DaGwdf ljut aif{x?sf] cg'ejsf]

cfwf/df n]vfÍg ug]{ gLlt /x]sf] 5 . -v_ e'QmfgL lbg afFsL bfloTj /sdsf] nflu aLdf lgodfjnL @)$( sf] lgod !% -3_ df ePsf] k|fjwfg cg';f/ Ps ;o

kGw| k|ltzt /sd Joj:yf u/L n]vfÍg ug]{ gLlt lnOPsf] 5 .

!%= aLdf Joj;fodf art afF8kmFf8 gLlt M sDkgLNf] aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{zg @)^% cg';f/ art afF8kmfF8 ug]{ gLlt lnOPsf] 5 .

!^= sd{rf/L pkbfg, ljbf tyf cGo ;'ljwf afkt Joj:yf gLlt M sDkgLsf] sd{rf/L lgodfjnL cg';f/ sd{rf/L pkbfg, ljbf tyf cGo ;'ljwf afkt Joj:yf ug]{ gLlt /x]sf] 5 .



cg';"rL–@(

ljQLo ljj/0f;+u ;DalGwt n]vf ;DaGwL l6Kk0fLx?1 ;Defljt bfloTjx? M

c_ r'Qmf jf e'QmfgL x'g afFsL nufgL gePsf] .cf_ xfn;Dd sDkgLn] s'g} k|Tofe"lt k|lta4tf u/]sf] 5}g .O_ aLdfn]v cGtu{t eGbf afx]s s'g} bfjL k/]sf] 5}g .O{_ sDkgLn] o; cf=j=df s'g} k|sf/sf] Uof/]06L lbPsf] 5}g . p_ cGo bfloTj gePsf] .

2 aLdfÍLn] aLdssf] bfloTj d"NofÍg ubf{ cjnDag u/]sf] cfwf/x? . sDkgLsf] bfloTj d"NofÍg ;DaGwdf o; jif{ aLdfÍLaf6 s"n ladfz"Ns (Gross Premium Method) cfwf/df bfloTj

d"NofÍg ul/Psf] 5 . bfloTj d"NofÍg ubf{ aLdf ;ldltsf] bfloTj d"NofÍg ;DaGwL lgb]{lzsf @)^% cg';f/ ug]{ ul/Psf] 5 .

3 aLdssf] ;DklQdf cfPsf] ;Lldttf tyf ljjfbx? .sDkgLn] vl/b u/]sf] ;DklQsf] :jfldTj sDkgLdfg} /x]sf] tyf pQm ;DklQx?df s'g} ljjfbx? ePsf] 5}g .

4 shf{, nufgL tyf l:y/ ;DklQsf] nflu ul/Psf] k|lta4tf . ljQ sDkgLx?df u/]sf] nufgL tyf sDkgLdf /x]sf] l:y/ ;DklQx?sf] cj:yf /fd|f] /x]sf] 5 .

5 nufgL;+u ;DalGwt b]xfosf v/Lb laqmL ;Demf}tfx?sf] d"No Mc_ sDkgLn] v/Lb u/]sf] ;a} ;DklQx?sf] :jfldTj k|fKt eO;s]sf] 5 . cf_ o; cf=j=df sDkgLn] laqmL u/]sf] ;DklQsf] e'QmfgL k|fKt eO;s]sf] 5 .

6 o; jif{e/L ul/Psf] nufgL tyf laqmL÷lkmtf{ lnPsf] nufgLsf]] ljj/0f .

qm=;= ljj/0f nufgL ?= nufgL lkmtf{{ ?= laqmL ?=

1 g]kfn ;/sf/sf] C0fkq tyf art kq – 44,752,000÷– –

2 sdl;{on a}+s 823,000,000÷– 442,000,000÷– –

3 ljsf; a}+s 220,000,000÷– 119,000,000÷– –

4 ljQLo ;+:yfsf] d'2tL lgIf]k 85,000,000÷– 99,200,000÷– –

5 klJns lnld6]8 sDkgLsf] ;fwf/0f z]o/ 156,796,086÷04 – 70,078,430÷62

6 sdl;{on l8j]Gr/ –– –

HfDdf 1,284,796,086÷04 704,952,000 70,078,430÷62

qm=;+ % cGtu{tsf] z]o/ ljlqmaf6 ?===*$,!@#,&^^ sf] gfkmf u/]sf] 5 .&= a}+s df}Hbft lx;fa ;DaGwdf ;DalGwt a}+s÷ljQLo ;+:yfsf] ;dy{g ;lxtsf] lx;fa ldnfg ;DaGwL Joxf]/f M

a}+s tyf ljQLo ;+:yfx?df /x]sf] a}Í df}Hbft sDkgLsf] lx;fj;Fu Reconcile /x]sf] 5, / ljQLo ;+:yfx?af6 df}Hbft ;dy{g kq k|fKt ePsf]] 5 .

*= k'gaL{ds;+u lng'÷lbg' afFsL lx;fa ;DaGwdf M ;DalGwt k'gaL{dsnfO{ e'QmfgL ug'{ kg]{ / lng'kg]{sf] ;dy{g k|fKt ePsf]] 5 . pSt ;dy{gnfO{ lgDg tflnsf af6 AoSt ul/Psf] 5 .

l;=g ljj/0f /sd ?=

!= k'gaL{df z'Ns e'QmfgL - k|fKt ;dy{g cg';f/ _ !#,$^%,^@(.))

@= cfly{s jif{ @)&@.&# sf] k'gaL{df artdf (surplus) efu –

-!–@_ V'fb lbg aFfsL -ljQLo ljj/0f cg';f/_ !#,$^%,^@(.))



(= aLdsn] u/]sf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltaf6 tf]lsP adf]lhd /x] g/x]sf] M sDkgLn] u/]sf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltn] tf]lsPsf] ;Ldf leq /x]/ ug]{ u/]sf] 5 .

!)= sDkgLsf] ;+rfns jf ;+rfns;+u ;DalGwt JolQm jf ;+:yf;+u sf/f]af/ ePsf] ljj/0f Mg]kfn n]vfdfg !^ (Nepal Accounting Standard-16) cg';f/ lgDgfg';f/nfO{ ;DalGwt kIf elg kl/eflift ul/Psf] 5 MJoj:yfkgdf /x]sf k|d'v JolQmx?M

;+rfns tyf cWoIfnfO{ Joj:yfkgsf k|d'v JolQmsf] ?kdf lnOPsf] 5 . ;f]sf] ljj/0f lgDgfg';f/ /x]sf] 5 . != >L /fdjfj' kGt cWoIf

@= >L x]dGt gfx6f ;+rfns

#= >L lagf]b s'df/ Kofs'/]n ;+rfns

$= >L u+uf k|;fb zdf{ ;+rfns

%= >L ljzfn cu|jfn ;+rfns

^= 8f= lagf]b cfq]o ;+rfns

&= >L lza l;x+ sfsL{ ;+rfns -ldlt @)&).)^.)& b]lv @)&@.)^.@! ;Dd_

*= >L dx]z s'df/ cu|jfn ;+rfns -ldlt @)^(.!@.@^ b]lv @)&#.)^.)* ;Dd_

(= >L s]zj k|;fb eÞ§/fO{ ;+rfns -ldlt @)&@.!!.!$ b]lv @)&#.)&.@( ;Dd_

!)= >L /fs]z kf]v/]n gfoj dxfk|aGws-ldlt @)&!.)(.)$ b]lv @)&$÷)#÷#! ;Dd_

!!= >L lzjgfy kf08] k|d'v sfo{sf/L clws[t -ldlt @)&#.!!.)@ b]lv xfn ;Dd_

Joj:yfkgsf k|d'v JolQmnfO{ o; sDklgn]] u/]sf] e'QmfgL M

;+rfns ;ldltsf] j}7s eQf jfkt ?=%,)%,))).)) / n]vfk/LIf0f tyf cGo ;ldltnfO{ j}7s eQf jfkt ?=!,)^,@%).)) e'QmfgL ePsf] 5 .

k|d'v Joj:yfkg sd{rf/L / ltgnfO{ k|bfg ul/Psf] kfl/>lds / ;'ljwf

qm= ;+= Gffd kbrfn" tna eQf /

;'ljwfeljiodf k|bfg ul/g] ;'ljwf

bL3{sfnLg ;'ljwf

af]g; tyf s= s= sf]if

hDdf

! >L/fs]z kf]v/]n gfoj dxfk|aGws !@,*@,#(^.#& — — !@,*@,#(^.#&

@ >L lbg]z axfb'/ cfdfTo ;xfos—dxfk|aGws !$,^&,($%.#! — — — !$,^&,($%.#!

pk/f]Qm jfx]s OGwg / df]afOn kmf]gsf] lan adf]lhdsf] vr{ e'QmfgL ul/Psf] 5 .!!= o; cfly{s jif{sf] cGtdf e'QmfgL x'g af+sL s'g} klg shf{ g/x]sf] .

!@= cf=j= @)&!.&@ ;Ddsf] cfo ljj/0f :jod s/ lgwf{/0f u/L ;DalGwt cf=/f=sf=df k]z ul/;lsPsf] 5 . pQm cfo ljj/0fx? dWo] cf=j= @)^^.)^& ;Ddsf] ;DalGwt sfof{noaf6 clGtd s/ lgwf{/0f eO{;s]sf] /cGo cfly{s jif{x?sf]clGtd s/ lgwf{/0f x'g af+sL /x]sf] 5 .

!#= cf=j=@)&@.&# ;Ddsf] ljdfÍLo d"NofÍg ul/ lgodgsf/L lgsfo >L aLdf ;ldtLaf6 :jLs[tL k|fKt eO{ aLldtnfO{ k|bfg ug]{ 3f]lift af]g; b/ tn pNn]v ul/P cg';f/ 5g .



aLdfn]vsf] lsl;d aLdf cjwL -aif{_ af]g; -k|lt aif{ k|lt xhf/_

;fjlws hLjg aLdf

%–( #%

!)–!$ $)

!%–!( $%

@)–@$ %%

@%–@( ^)

#) jf ;f] eGbf dfyL &)

;fjlws tyf cfhLjg

%–( #%

!)–!$ $)

!%–!( $%

@)–@$ %%

@%–@( ^)

#) jf ;f] eGbf dfyL &)

clu|d e'QmfgL

!)–!$ $@

!%–!( $@

@)–@$ %@

@%–@( ^)

!$= l9nf] aLdfz'Ns e'QmfgLdf lanDa z'Ns÷Aofhsf] b/ tyf aLdfn]vsf] lwtf]df k|bfg ul/g] shf{df Aofhsf] b/ M l9nf] aLdfz'Ns e'QmfgLdf lanDa z'Ns jfkt !) k|ltztsf b/n] ljnDa z'Ns lng] ul/Psf]5 . aLdfn]vsf] lwtf]df

k|bfg ul/Psf] shf{df !) k|ltztsf b/n] Jofh b/ sfod ul/Psf] 5 . pNn]lvt ljnDj z'Ns tyf Jofh jfkt qmdzM ?=$,!^,(%(.^*tyf ?=$*,#%,@#$.-ljut jif{ ?=^,!&,*$#.%^ tyf ?=@,)(%,*(#._ k|fKt u/]sf] 5 .

r'Qmf k"FhL dWo] clu|d e'QmfgL k|fKt (Paid in advance),e'QmfgL k|fKt x'g afFsL (Call in arrears) / hkmt ul/Psf t/ k'gM lgisfzg ul/Psf z]o/x?5}g .

!%= lnh xf]N8 ;DklQdf ut jif{;Dd / o; jif{ vr{ (Amortization) n]lvPsf] /sdsf] ljj/0f M

ljj/0fut jif{;Ddsf]s'n /sd

ut jif{ ;Ddsf] vr{n]lvPsf] /sd

o; jif{sf]yk / -36_

/sdo; jif{sf] vr{ s'n vr{ jf+sL /sd

ljB'lto ;fdfg tyf h8fg761,401 173,890 25,911 146,571 320,462 466,850

wf/f jfy?d ;fdfg tyf h8fg14,280 3,734 378,925 40,516 44,250 348,954

lgdf{0f tyf ;hfj61,710,066 576,871 827,925 342,726 919,597 1,618,395

HfDdf 2,485,748 754,496 1,232,761 529,813 1,284,309 2,434,199



!^= o; cf=j=df Jff;nft aflx/sf] sf/f]jf/ ePsf] 5}g .

!&= sd{rf/L cfjf; sf]if >d -klxnf] ;+zf]wg_ P]g, @)%$sf] bkmf $!-!_ cg";f/ /fVg"kg]{ sd{rf/L cfjf; sf]ifsf] Joj:yf ul/Psf]5}g .

!*= jf;nft, gfkmf gf]S;fg lx;fa, cfo Joo lx;fa nufotsf ljQLo ljj/0fx?nfO{ a'‰g / ljZn]if0f ug{ ;3fp k'Ug] cGo hfgsf/Lx?M

-s_ :yug s/ ;DklQ tyf bfloTj g]kfn n]vfdfg -)( cg';f/ @)&# cfiff9 d;fGtdf cfos/df lgDg cg';f/ u0fgf ul/Psf] 5 .

ljj/0f n]vf cfwf/ s/ cfwf/ v"b /sd

l:y/ ;DklQ 33,886,761 16,918,291 (16,968,470)

nufgLdf lk|ldod – – –

nufgL afkt Joj:yf 1,152,967 – 1,152,967

pkbfg Joj:yf 6,185,445 – 6,185,445

ljbf afkt Joj:yf 15,627,979 – 15,627,979

shf{df gf]S;fgLsf]] nflu Joj:yf 37,574 – 37,574

sd{rf/L af]g; afkt Joj:yf 8,398,427 – 8,398,427

o; jif{sf] gf]S;fg – 187,031,211 187,031,211

cl3Nnf] jif{af6 ;fl/Psf] gf]S;fg – 230,577,819 230,577,819

s"n c:yfO{ km/s 432,042,953

:yug s/ ;DklQ @%Ü 108,010,738

-v_ Gffkmf gf]S;fg lx;fjsf]cl3Nnf] jif{;+u ;DalGwt vr{ lzif{sdf b]vfOPsf] /sdsf] ljj/0f lgDgfg';f/ 5 .

l;=g ljj/0f o; jif{ ut jif{

! cl#Nnf] jif{;+u ;DalGwt vr{ ^#$,^@* #%%,^!#

hDdf ^#$,^@* #%%,^!#

-u_ DofbL hLjg/ j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fjdf ePsf] d'gfkmf /sdnfO{ ut cf=j= h:t} u/L gfkmf gf]S;fg lx;fjdf ;fl/Psf] 5 . cGo hLjg aLdfx?sf] cfo Joo lx;fjsf] Surplus /sdnfO{ hLjg aLdf sf]ifdf ;fl/Psf] 5 . aLdfÍLo d'NofÍgsf] cfwf/df, hLjg aLdf sf]ifaf6 /sd gfkmf gf]S;fg lx;fjdf ;fl/g] 5 .

-3_ sd{rf/L af]g; Joj:yf :yug s/ cfDbfgL / vr{ eGbf cl3sf] gfkmfdf lgodfg';f/ Joj:yf ul/Psf]5 .

-ª_ ljQLo ljj/0fsf] OSo"6Ldf ePsf] kl/jt{g ;DaGwL ljj/0fdf :yug s/ ;DklQnfO{ cGo hu]8fdf b]vfOPsf] 5 .

-r_ k|:tfljt af]g; z]o/

o; sDkgLsf] ldlt @)&$–)!–!# df a;]sf] ;+rfns ;ldltsf] !*^ cf}F a}7sn] !)Ü z]o/nfef+; -Bonus Share) tyf ).%@^#Ü gub nfef+; -s/ k|of]hgsf] nflu_ afF8\g k|:tfjug]{ lg0f{o ul/Psf] 5 .

-5_ k|:t't jif{sf] c+s;+u le8fg x'g] u/L ut jif{sf] c+sx? k'gu{7g / k'gj{lu{s/0f ul/Psf] 5 .



cg';"rL–#)

k|d'v ;"rsfÍx¿

qm=;+=

ljj/

)f;"r

sfÍ

cf=a=

2072

÷73

2071

÷72

2070

÷71

2069

÷70

2068

÷69

2067

÷68

!g]^

jy{

?= 7

57,21

1,910

6

42,016

,946

625

,027

,294

460

,985,6

30

420

,704,

139

394

,008

,138

@z]o

/ ;+V

of;+V

of 5

,000

,000

5

,000

,000

5

,000

,000

4

,113,0

00

3,60

0,00

0 3

,600,00

0 #

k|lt z

]o/ ls

tfjL d

"No?=

151

=44

128

=40

125

=01

112

=08

116

=86

109

=45

$v"b

gfkm

f?=

132

,466

,752

21,9

41,4

58

43,7

91,30

2 4

0,28

1,491

2

9,396

,001

1

7,116

,525

%k|lt

z]o/

cfo

(EPS

)?=

26=4

9 4

=39

8=76

9=79

8=17

4

=75

^k|lt

z]o/

nfe

f+z (D

PS)

?=10

=526

%5=

263Ü

– –

–

–

&k|lt

z]o/

ahf

/ d"N

o (M

PPS)

?=85

670

9 7

50

166

=00

144

=00

127

=00

*d"N

o cf

Dbfg

L cg'k

ft (P

E Ra

tio)

cg'kft

32=3

1 1

61=5

7 8

5=63

1

6=95

17=64

2

6=71

(k|y

d ai

f{sf] a

Ldfz

'Ns?=

401

,242,6

51

247

,091

,435

1

95,96

4,57

8 6

9,202

,195

68,

972,4

48

61,6

03,12

2 !)

s'n a

Ldfz

'Ns?=

1,078

,653,0

26

725

,802

,535

415

,050

,310

216

,515,2

31

161

,927,1

51

116

,831

,338

!!v"b

aLd

fz'Ns

÷s'n

aLdf

z'Ns

k|ltzt

93=67

85=8

4 9

1=98

98=

49

98=

49

98=

60

!@v"b

gfkm

f÷s'n

aLd

fz'Ns

k|ltzt

12=28

3=02

10=

55

18=60

18=

15

14=

65

!#s'n

aLd

fz'Ns

÷s'n

;DklQ

k|ltzt

38=

62

37=46

2

9=24

2

2=51

21=7

8 2

0=24

!$

nufg

L / s

hf{af

^ cf

o÷s'n

nuf

gL /

shf

{k|lt

zt 8

=48

6=63

8

=96

9=0

0 1

0=08

1

0=85

!%

s'n n

ufgL

/ s

hf{÷h

Ljg

aLdf

sf]if

k|ltzt

1=4

7 1

=58

1=78

2=0

7 2

=69

3=8

1 !^

k'gaL

{df s

ldzg

cfo

÷s'n

k'gaL

{dfz'N

sk|lt

zt 1

4=24

1

0=33

7

=53

5=72

6=9

5 6

=54

!&Jo

j:yf

kg v

r{÷s'n

aLd

fz'Ns

k|ltzt

22=3

6 2

1=91

24

22=7

1 3

3=42

36=3

6 !*

aLdf

cle

stf{ ;

DalGw

vr{÷

s'n a

Ldfz

'Nsk|lt

zt 2

4=17

1

9=48

1

4=95

1

3=42

17=15

2

2=95

!(aL

df c

lest

f{ ;+Vo

f;+V

of65

6942

02 3

,179

3332

2,73

0 2

,135

@)sd

{rf/L

;+Vof

;+Vof

217

206

158

12

1 9

7 1

03

@!sf

of{no

sf] ;

+Vof

;+Vof

6767

54

36 3

6 3

6 @@

sd{rf

/L vr

{÷Joj

:yfkg

vr{

k|ltzt

33=5

1 4

2=57

41=2

2 5

4=03

4

3=50

41=8

7 @#

sd{rf

/L vr

{÷sd{r

f/L ;

+Vof

?=

372

,434

3

28,62

1 2

56,76

5 2

19,53

9 2

42,69

3 1

72,67

5 @$

e'Qmfg

L x'g

aFfsL b

fjL /s

d÷e'Q

mfgL e

Psf] b

fjL /s

dk|lt

zt 0

=83

1=8

3 8

=34

30=

41

64=

36

97=85

@%

s'n s

fod

/x]sf

] aLd

fn]vs

f] ;+Vo

f;+V

ofdf

271

,416

1

74,19

0 7

3,822

3

9,301

3

3,238

2

5,925

@^

o; j

if{ gj

Ls/)

f ePs

f] aLd

fn]vs

f] ;+Vo

f÷ut

jif{

sfod

/x]s

f] aL

dfn]v

sf] ;

+Vof

k|ltzt

55=

50

55=

75

53=6

8 4

9=95

3

8=04

6

1=24

@&bfj

L k/]s

f] aLd

fn]vs

f] ;+Vo

f÷s'n

sfod

/x]sf

] aLd

fn]vs

f] ;+Vo

fk|lt

zt 0

=30

0=28

0

=44

0=5

2 0

=27

0=18

@*

;f]Ne

]G;L d

flh{g

k|ltzt

1=8

1 1

=80

3=0

2 1

=94

–

–

@(#f

]lift a

f]g;

b/?=

k|ltxh

f/ ?

=#% b

]lv ?

=&)

?=@%

b]lv

?=%

^ ?

=#$ b

]lv ?

=^%

?=31

b]lv

?=60

–

–

#)

cGtl

/d a

f]g;

b/?=

k|ltxh

f/ ?

=#% b

]lv ?

=&)

?=@%

b]lv

?=%

^ ?

=#$ b

]lv ?

=^%

?=31

b]lv

?=60

–

–



cg';

"rL–#!

aLdfÍsf] ljj/0f

qm=;+=

aLdfs

f] lsl

;d

sfod

/x]s

f]

aLdfn

]vsf] ;

+Vof

sfod

/x]s

f] aLdfn

]vsf] c

Gtu{t

hDdf

aLdf°

;d o

f6 l/:s

(Sum

at R

isk)

k'gaL{d

snfO{

x:tfGt

/0f u

l/Ps

f]

;d o

f6 l/:s

(Sum

at R

isk)

aLdsn

] wf/0

f u/]s

f] ;d

of6 l/

:s

(Sum

at R

isk)

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

!;f

jlws

hLjg

aLdf

64,

497

50,54

1 1

7,950

,562,7

51

12,7

72,70

5,939

1

7,673

,329,15

1 1

2,495

,472

,339

9,39

7,961

,749

6,67

0,684

,806

8

,275,3

67,4

02

5,8

24,78

7,533

@cl

u|d e

'QmfgL ;

fjlws

hLjg

aLd

f

7,018

4

,580

3,13

2,606

,000

1

,760,82

0,00

0 3

,113,4

28,000

1

,741,6

42,000

2

,155,5

27,50

0 1

,201,4

16,50

0 9

57,900

,500

540

,225,5

00

#?k

fGtl

/t ;

fjlw

s P

j+ cf

hLjg

hLjg

aLdf

8,39

3 6

,099

2,7

08,4

44,998

1

,887

,784,

998

2,69

9,80

9,49

8 1

,879

,149,49

8 1

,521,4

32,4

98

1,083

,107,4

98

1,17

8,37

7,000

7

96,042

,000

$j}b

]lzs

/f]huf

/ Do

fbL h

Ljg

aLdf

191

,505

112

,967

10

6,305

,500,0

00

56,4

83,50

0,00

0 1

06,30

5,500

,000

56

,483

,500,00

0 4

2,522

,200,00

0 2

2,593

,400

,000

63

,783,3

00,000

33

,890

,100,00

0

%Do

fbL h

Ljg

aLdf

3

3

57,0

00,000

3

0,30

0,00

0 5

7,000

,000

3

0,30

0,00

0 2

8,60

0,00

0 1

6,300

,000

2

8,40

0,00

0 1

4,00

0,00

0

hDdf

271

,416

17

4,19

0 13

0,154

,113,7

49

72,9

35,11

0,937

12

9,849

,066,6

49

72,6

30,06

3,837

5

5,625

,721

,747

31

,564,

908,

804

74,

223,3

44,90

2 4

1,065

,155,0

33



Joj:yfkg k|ltj]bgkl/lzi6–!

-lgb]{zg % ;+u ;DalGwt_-s_ sDkgL ;DaGwL ;fdfGo hfgsf/L M

! ;+:yfkgf ldlt M o; sDkgL g]kfn ;/sf/, sDkgL /lhi6|\f/sf] sfof{nodf ldlt @)^$÷)#÷!*÷@ df ljlwjt btf{ ePsf] 5 .@ sDkgL btf{sf] k|df0fkq kfPsf] ldlt M sDkgLn] aLdf ;ldltaf6 @)^$÷!@÷)^ df g]kfn leq hLjg aLdf sf/f]jf/ ug{ Ohfht k|fKt

u/]sf] 5 .# sDkgLn] cg'dlt kfPsf] aLdf Joj;fosf] lsl;d / k|sf/ M hLjg aLdf$ sDkgLn] ldlt @)^%÷)!÷!! b]lv Joj;fo k|f/De u/]sf] xf] . % cGo cfjZos ljj/0f g/x]sf] .

-v_ sDkgLsf]] ;+rfns ;ldltn] k|dfl0ft u/]sf a'Fbfx?M ! aLdf Joj;fo ug{ aLdf ;ldltaf6 hf/L ePsf] k|df0f kqsf] j}Btf sfod /x]sf] 5 . aLdf P]g tyf lgodfjnL cg';f/ k|df0f kq gljs/0f eO;s]sf] / aLdf P]g @)$( sf] bkmf !! -s_ jdf]lhdsf] cj:yf g/x]sf]n]

k|df0f kqsf] a}wtf sfod /x]sf] . @ sfg"g adf]lhd sDkgLn] ltg'{, a'emfpg' kg]{ s/, b08 hl/jfgf ;DalGwt lgsfodf a'emfpg afFsL/x]sf] 5}g . cf=j=@)&@.&#sf] aLdf

;ldltnfO{ a'emfpg' kg]{ ;]jf z'Ns aLdf lgodfjlndf Joj:yf eP cg';f/ Dofb leq} e'QmfgL ul/Psf]] 5 . # sDkgLsf] z]o/ :jfldTjsf] ;+/rgf, To;df ePsf] x]/k]m/sf] ljj/0f tyf sfod /x]sf] ;+/rgf k|rlnt sfg"gL Joj:yf cg'?k /x]sf]

5 . $ o; cf=j=sf] aLdfÍLo d"NofÍg eO ;s]sf] / ;f]Ne]G;L dflh{g jfkt kof{Kt /sd ePsf]n,] ;f]Ne]G;L dflh{g jfkt s'g} /sdsf]

Joj:yf ul/Psf] 5}g. aLdfÍLo d"NofÍg kZrft ;ldltn] tf]lslbP adf]lhdsf] ;f]Ne]G;L dflh{g (Solvency Margin) !=*!@ sfod ul/Psf] 5 .

% -s_ ;Dk"0f{ ;DklQx?sf] jf;nftsf] ldltsf] d"No jf:tljs ?kdf k|fKt x'g ;Sg] d"No÷ahf/ d"No eGbf a9L g/x]sf] . -v_ a'Fbf -s_ adf]lhdsf] ;DklQsf] d"No t'ngf Historical Cost af6 x|f; s§L (WDV Method) 36fO{ ul/Psf] 5 . sDkgLn] a}s tyf ljQLo sDkgLx?sf] d'2tL vftf, z]o/ nufgL tyf cGo Jofh k|fKt x'g] vftfx?df u/]sf] nufgLx? k|rlnt aLdf

P]g lgodfjnL tyf aLdf ;ldltn] tf]lsP adf]lhd ul/Psf] 5 . ^ sDkgLnfO{ cfO{ kg{ ;Sg] ;Dk"0f{ hf]lvdx? lg/fs/0fsf nflu c08//fOl6ª gLlt, k'gjL{df gLlt,nufgL gLlt, sd{rf/Lx?sf] b'3{6gf

aLdf,l:y/ ;DklQx?sf] aLdf ug]{ gLltx? cjnDag ul/Psf 5g . & sDkgLsf] g]kfn aflx/ sfof{nox? g/x]sf] . * o; cf=j=df s'n *!) j6f bfjL km5\of}{6 ePsf] / % j6f bfjL km5\of}{6 ug{ af+sL /x]sf] 5 . h; dWo] @ j6f ^&÷^* / # j6f

^*÷^( sf] /x]sf]5 . ( l:y/ ;DklQsf] x|f; s§L cfos/ P]g @)%* 4f/f lgb]{lzt b/ cGtu{t 36\bf] df}Hbft (Diminishing Balance) k4tL cg';f/ l:y/

;DklQsf] pkof]u u/]sf] cjlwsf] cfwf/df x|f; s§L ug]{ gLlt cjnDag u/]sf]]] / aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{zg @)^% -t]>f] kl/dfh{g_ sf] !(=! v sf] :kli6s/0f cg';f/ a}b]lzs /f]huf/ DofbL hLjg aLdf Joj;fosf] ;dfg'kflts c;dfKt hf]lvdsf] Joj:yf ubf{ dlxgfsf] lx;fjn] ul/Psf] 5 . ljQLo ljj/0f tof/ ubf{ k|rlnt aLdf P]g, @)$( aLdf lgodfjnL, @)$( / ;f] cGtu{t hf/L ul/Psf aLdf ;ldltsf] cfb]z jf lgb]{zg, sDkgL P]g @)^# tyf cGo sfg"gx? tyf n]vfdfg, n]vfsf] l;4fGt / gLltx? kfngf ul/Psf] pb\3f]if0f ub{5f} .

!) -s_ sDkgLn] pko'Qm n]vf gLlt cjnDag u/]sf], ;f]sf] k|of]udf Ps?ktf sfod u/]sf] / To:tf] gLltsf] k/LIf0f u/L pko'Qmtf Plsg u/]sf] 5 .

-v_ sDkgLsf] ljQLo ljj/0fn] jf;nftsf] ldltdf aLdssf] gfkmf gf]S;fg nufotsf ljQLo cj:yfsf] oyfy{ tyf jf:tljs lrq0f ub{5 .

!! sDkgLsf] ;+rfns ;ldltn] sDkgLsf] ;DklQsf] ;'/Iffsf] nflu tyf hfn;fhL jf cGo clgoldttf kQf nufpg / /f]Sgsf nflu pko'Qm / kof{Kt Joj:yf u/]sf] 5 .

!@ sDkgLn] "Going Concern Basis" df cfˆgf] ljQLo ljj/0f tof/ u/LPsf] 5 . !# Joj;fosf] k|s[lt cg'?ksf] cfGtl/s n]vf k/LIf0f afXo n]vf k/LIfsaf6 cf=j=@)^%.^^ b]lv ;'? ul/Psf] / ;f] k|efjsf/L /x]sf]

5 . !$ k|rlnt aLdf P]g, @)$( tyf sDkgL P]g @)^# / ;f] cGtu{tsf lgodfjnL, cfb]z jf lgb]{zgsf] k|lts"n x'g] u/L s'g} JolQm, kmd{,

sDkgL tyf sDkgLsf] ;+rfns jf ;+rfnssf] :jfy{ /x]sf] ;+:yf;+u sf/f]af/ ul/Psf] 5}g . !% cf=j= @)&@÷&# df aLdf ;ldltn] sDkgLnfO{ ? !),))).– sf] b08 hl/jfgf tf]s]sf] 5 .

!^ Joj:yfkgn] cfjZos 7fg]sf cGo s'/fx? g/x]sf] .





sDkgLsf aLdf of]hgfx?;"of{ ;+/lIft -;fjlws_ hLjg aLdf of]hgf (Endowment Plan )

o; of]hgf cGtu{t aLdf ubf{ clgjfo{ art / cfˆgf] kl/jf/sf] ;'vb eljiodf cfly{s 6]jf k|fKt x'G5 . of] hLjg aLdf of]hgfn] aLldt lhljt /x]sf] jf g/x]sf] b'j} cj:yfdf cfly{s 6]jf k|fKt x'G5 . of] of]hgf b'3{6gf nfe tyf c+ue+u la?4sf] nfe ;d]tsf] aLdf lglZrt zt{x?sf] clwgdf /x]/ ug{ ;lsG5 .

;"of{ cfzfwg -clu|d e'QmfgL_ hLjg aLdf of]hgf (Money Back Plan)

o; aLdf of]hgfdf aLldtx?sf] cfjZoQmf kl/k"lt{sf] nflu aLdfsf] rfn' cjwL leq} 3f]if0ff ul/Psf] aLdfÍ tf]lsPsf] ;do cGt/df e'QmfgL lbg] egL ul/Psf]

s/f/ /sdsf] lglZrt k|ltzt /sd aLldtnfO{ lkmtf{ x'G5 . of] of]hgf !% / @) aif]{ cjlwdf nfu" x'G5 .

aLdf nfe tflnsf

aLdf k|f/De ePsf] ldltn] !% aif]{ of]hgf @) aif]{ of]hgf% aif{ kl5 aLdfÍsf] #)Ü aLdfÍsf] @)Ü!) aif{ kl5 aLdfÍsf] @)Ü aLdfÍsf] @)Ü!% aif{ kl5 aLdfÍsf] %)Ü aLdfÍsf] @)Ü @) aif{ kl5 – aLdfÍsf] $)Ü± cflh{t af]g;

o; aLdfn]vdf aLdf cjwL leq olb s'g} klg sf/0faf6 aLldtsf] d[To' ePdf d[To' eGbf cuf8L ls:tfaGbLdf e'QmfgL ul/;ls]sf] aLdfÍnfO{ u0fgf gu/L ztk|ltzt aLdfÍ / ;dfg'kflts cfh{g u/]sf] af]g; aLdfn]vdf O{R5fPsf] JolQmnfO{ e'QmfgL ul/G5 .

;"of{ ;+/lIft -;fjlws_ hLjg aLdf of]hgf / ;"of{ cfzfwg -clu|d e'QmfgL_ hLjg aLdf of]hgfx?df pknAw b'3{6gf nfex?M

-s_ bf]xf]/f] b'3{6gf nfe (ADB) -v_ :yfoL ?kdf c+ue+u (PTD) -u_ aLdf z'Ns e'QmfgL ldGxf (PWB)

afnaflnsf aLdf of]hgfx? (Child plan )

cfhsf afnaflnsfx? Eff]nLsf s0f{wf/ x'g\ . logLx?sf] kfng kf]if0f tyf lzIff, lbIff / eljio k|lt ;hu /xL ;"of{ nfOkm OG:of]/]G;n] afnaflnsf aLdf of]hgf k|:t't u/]sf] 5 . hxfF tkfO{sf gfgLx?n] cfˆgf] eljio ;'gf}nf] cIf/ sf]l/Psf] / pHofnf] eljio ePsf] kfpg] 5g\ . ef]lnsf lbgdf ;GttLx?sf] pRr lzIff cWoog ug{ plgx?n] rfx]sf] OlGhlgol/Ë, 8fS6/, rf6{8 PsfpG6]06, gl;{Ë, tyf cGo laifox? k9\g rflxg] /sdsf] ;'lglZrttf ug{ cfh} b]lv afn aLdf u/L ;Gtfgsf] ;'gf}nf] eljio ;'lglZrt ug{ ;Sg' x'g]5 . ;fy} laxfjf/L nflu o; aLdf of]hgfn] e/k'/ 6]jf k|bfg ug]{5 .

afn aLdf of]hgfx?M

!= ;"of{ ;+/lIft afn -;fjlws_ hLjg aLdf of]hgf -)–!% aif{ ;Ddsf afnaflnsfsf lgldQ_

@= ;"of{ afnwg -clu|d e'QmfgL_ hLjg aLdf of]hgf -)–!% aif{ ;Ddsf afnaflnsfsf lgldQ_

cltl/Qm ;'ljwf M

-s_ aLdfz'Ns ldGxf nfe (PWB) -v_ dfl;s cfDbfgL ;'ljwf (MIB)

Pp6} aLdfn]vaf6 afnaflnsf tyf cleefjssf] aLdf ul/ hf]lvd sd ug{ ;3fp k'¥ofpFb5 .

;"of{ ;'bz{g -;fjlws Pj+ cfhLjg_ aLdf of]hgf (Endowment Cum Wholelife)

hLjgsf x/]s kn kl/jf/ ;u} afF8\g] ul/G5, kfl/jfl/s ;xof]un] g} dflg;n] cfˆgf] nIo tyf pknAwL k|fKt ub{5 . ;fy} kfl/jfl/s v';L cfˆgf] v';L x'g cfpF5 . To;}n] æhLjg /xFbf klg / hLjg kZrft klgÆ kfl/jfl/s ;'/Iff / ;'lglZrttfsf nflu ;"of{ nfOkmn] ætkfO{ kl/jf/sf] ;fy, ;"of{ nfOkm tkfO{sf] ;fyÆ eGb} ;"of{ ;'bz{g ;fjlws Pj+ cflhjg aLdf of]hgf k|:t't u/]sf] 5 .

aLdf cjlw;Dd aLldt lhljt /x]df aLdfË /sd / lgodfg';f/sf] af]g; aLldt cfkm}n] k|fKt ug{ ;Sg]5 eg] aLdf ;dofjlw kZrft yk s'g} z'Ns glt/Lsg d[To' gx'Gh]n ;Dd aLdfn]v rfn' /lx/xg]5 . aLldtsf] d[To' ePdf d[To' kZrft km]/L aLdfË a/fa/sf] /sd aLldtsf] kl/jf/n] jf O{R5fPsf] JolQmn] k|fKt ug]{5 .



cltl/Qm yk ;'ljwf

o;df ? #) nfv ;Ddsf] bf]xf]/f] b'3{6gf nfe k|fKt x'g]5 .

;"of{ ;fd"lxs Ps alif{o DofbL hLjg aLdf of]hgf (Surya Group Term Plan)

of] of]hgf s'g} klg ;+ul7t ;+:yf, sDkgL, k|lti7fg jf ;+:yfut O{sfO{df nfu" x'g]5 .

of] of]hgfsf nfluM

s_ sDtLdf @% hgfsf] ;d"x x'g' kg]{5 . v_ k|To]s aif{ gljs/0f ug'{ kg]{5 . u_ !^ aif{ b]lv ̂ $ aif{ pd]/ ;d"xsf] JolQm x'g' kg]{5 .

o; of]hgfdf bf]xf]/f] b'3{6gf nfe cGtu{t ?= % nfv;Ddsf] ;'ljwf k|fKt x'g]5 .

;"of{ ;fd"lxs ;fjlws aLdf of]hgf (Surya Group Endowment Plan)

;x'lnot aLdfz'Ns b/df tof/ kfl/Psf] nfe ;lxtsf] of] ;fd"lxs aLdf of]hgf s'g} klg ;+ul7t ;+:yf, sDkgL, k|lti7fgsf sd{rf/Lx? jf ;b:ox?sf] hLjg aLdfsf] nflu pknAw x'g]5 .

s_ Go"gtd ;b:o ;+VofM !) hgf v_ k|j]z pd]/M !^ aif{ b]lv %% aif{ ;Dd

u_ aLdf cjlw M % aif{ b]lv $$ aif{ ;Dd 3_ Go"gtd aLdfÍM ? !),))).–

ª_ k'/f ! aif{sf] aLdfz'Ns e'QmfgL kZrft r'Qmfd'No, ;dk{0f d'No, C0f ;'ljwf k|fKt x'g] Pj+ JolQmut hLjg aLdfdf ;d]t kl/jt{g ug{ ;lsg] .

r_ ?= % nfv ;Ddsf] bf]xf]/f] b'3{6gf nfe k|fKt ug{ ;lsg] .

;"of{ ;'/lIft -l;ldt e'QmfgL ;fjlws_ hLjg aLdf of]hgf (Surya Limited Payment Endowment Plan)

o; of]hgf cGtu{t Ps} k6s jf l;ldt cjwL ;Dd dfq aLdfz'Ns e'QmfgL u/L lgwf{l/t ul/Psf] aLdf cjwL ;Ddsf] aLdf /Iffj/0f nfe tyf af]g; k|fKt ug{ ;lsG5 . of] of]hgfdf ?= #) nfv ;Ddsf] bf]xf]/f] b'3{6gf nfe tyf c+ue+u lj?4sf] nfe k|bfg ul/Psf] 5 .

a}b]lzs /f]huf/ DofbL hLjg aLdf (Foreign Employement Term Life Insurance Policy)

lab]zdf /f]huf/Lsf nflu hfg] sd{7 g]kfnLx?sf] hf]lvd /Iffa/0ffy{ clwstd\ ?= !) nfv;Ddsf] bfjL Joj:yf ul/Psf] of] hLjg aLdf ;+rfngdf 5 .

;"of{ wga[l4 -clu|d e'QmfgL ;fjlws_ hLjg aLdf of]hgf (Surya Limited Payment Money Back Plan)

• aLdfsf] cjlw ;dfKtL cufj} ;Dk"0f{ aLdfÍ /sd e'QmfgL x'g] .

• Psn jf l;ldt cjlwdf aLdfz'Ns e'QmfgL ug{ ;lsg] .

• aLldtsf] d[To' ePsf] cj:yfdf Psn aLdfz'Ns e'QmfgLsf] xsdf aLdfÍsf] @=% -c9fO{_ u'0ff tyf cGo aLdfz'Ns e'QmfgL tl/sfdf zt\k|ltzt aLdfÍ / lgodfg';f/ af]g; e'QmfgL x'g] .

• aLdf of]hgf !%, @) / @% aif{sf] x'g] .

• aLdfÍ lkmtf{ ul/g] tl/sfM

aLdf k|f/De ePsf] ldltn] !% aif]{ of]hgf @) aif]{ of]hgf @% aif]{ of]hgf $ aif{ kl5 aLdfÍsf] #)Ü aLdfÍsf] @%Ü aLdfÍsf] @)Ü * aif{ kl5 aLdfÍsf] #)Ü aLdfÍsf] @%Ü aLdfÍsf] @)Ü !@ aif{ kl5 aLdfÍsf] $)Ü aLdfÍsf] @%Ü aLdfÍsf] @)Ü !% aif{ kl5 cflh{t af]g; aLdfÍsf] @%Ü aLdfÍsf] @)Ü !* aif{ kl5 – – aLdfÍsf] @)Ü @) aif{ kl5 – cflh{t af]g; – @% aif{ kl5 – – cflh{t af]g; • ?= #) nfv ;Ddsf] b'3{6gf nfe tyf c+ue+u la?4sf] nfe k|fKt ug{ ;lsg] .




skf{]/]6 sfof{noM rf6{/ 6fj/, rf}yf] tNnf, ;fgf] uf}r/0f, 1fg]Zj/, sf7df8f}+

tLg dxn] ljj/0fldlt @)&$.)%.@& ut] x'g] ;"o{ nfO{km OG:of]/]G; sDkgL lnld6]8sf] gjf}+ jflif{s ;fwf/0f ;efdf k]z x'g] k|aGwkqsf] bkmf ^-v_ / ^-u_ ;+u ;DalGwt ;+;f]wg x'g] k|:tfj

k|aGwkq tkm{sf]bkmf xfnsf] Aoj:yf ;+zf]wg x'g] k|:tfj ;+zf]wg cf}lrTotf^-v_ sDkgLn] tTsfn hf/L ug]{ z]o/ k"FhL

?= ^%,^@,%),))).)) -k};f¶L s/f]8 a};¶L nfv krf; xhf/_ x'g]5 . ;f] r'Qmf k"FhLnfO{ k|lt z]o/ ? !)).– sf b/sf ^%,^@,%)) -k};f¶L nfv a};¶L xhf/ kfFr ;o_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

sDkgLn] tTsfn hf/L ug]{ z]o/ k"FhL ?= !,)!,)^,@%,))).)) -Ps c/a Ps s/f]8 5 nfv klr; xhf/_ x'g]5 . ;f] r'Qmf k"FhLnfO{ k|lt z]o/ ? !)).– sf b/sf !,)!,)^,@%) -Ps s/f]8 Ps nfv 5 xhf/ b'O{ ;o krf;_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

gjf}+ jflif{s ;fwf/0f ;efaf6 !) k|ltzt af]g; z]o/ k|bfg kZrft $) k|ltzt xsk|b z]o/ hf/L eP adf]lhd sDkgLsf] hf/L k"FhL a[l4 ug{ cfjZos ePsfn] .

^-u_ sDkgLsf ;+:yfksx?n] tTsfn r'Qmf ug{ saf]n u/]sf] k"FhL ?= $%,(#,&%,))).)) -k}tfln; s/f]8 lqofgAo] nfv krxQ/ xhf/_ tyf ;j{;fwf/0faf6 ?= !(,^*,&%,))).)) -pGgfO; s/f]8 c7\;f7L nfv krxQ/ xhf/_ ul/ hDdf ?= ^%,^@,%),))).)) -k};f¶L s/f]8 a};¶L nfv krf; xhf/_ x'g]5 .

sDkgLsf ;+:yfksx?n] tTsfn r'Qmf ug{ saf]n u/]sf] k"FhL ? &),&$,#&,%)).)) -;t/L s/f]8 rxf]t/ nfv ;/lt; xhf/ kfFr ;o_ tyf ;j{;fwf/0faf6 ?= #),#!,*&,%)).)) -tL; s/f]8 PstL; nfv ;tf;L xhf/ kfFr ;o_ ul/ hDdf ?= !,)!,)^,@%,))).)) -Ps c/a Ps s/f]8 5 nfv klr; xhf/_ x'g]5 .

gjf}+ jflif{s ;fwf/0f ;efaf6 !) k|ltzt af]g; z]o/ k|bfg kZrft $) k|ltzt xsk|b z]o/ hf/L eP adf]lhd sDkgLsf] hf/L k"FhL a[l4 ug{ cfjZos ePsfn] .



gf]6M



Comparative Growth Trend of Turnover & Investment

Premium Income for the FY 2072-73

Endowment Life Policy

Anticipated Money Back Life Policy

Endowment & Whole Life Policy

Foreign Term Life Policy

Term Life Policy

0.03%

21.94%

10.40%

15.37%

52.26%

Mill

ions

Total Turnover

Investment

2,500

2,000

1,500

1,000

500

-



skf]{/]6 sfof{nodf sfo{/t sd{rf/Lx?

Name: Shiva Nath Pandey

Ex. Executive Director

Nepal Rastra Bank Regulation Department

Date of Retirement: 2073/09/03

Key Education:

sChartered Accountant, ICAI, India

sBachelor in Business Administration

Membership/Experience in Professional/Statutory Bodies:

s Fellow Member, The Institute of Chartered Accountants of Nepal(ICAN)

sAssociate Member, Institute of Chartered Accountants of India (ICAI)

sMember, Expert's Commitee, Inland Revenue Department (Department of Income Tax), Ministry of Finance - 1999 to 2004

sDirector Member in Lumbini Bank Ltd.

sCoordinator Nepal Credit and Commerce Bank 2071

sMember-Petroleum price settlement Commission Constituted by the govt. of Nepal

sInvolved actively in the Draft Committee of Income Tax Act 2002

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;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8Surya Life Insurance Company Limited

skf{]/]6 sfof{norf6{/ 6fj/, rf}yf] tNnf, ;fgf]uf}r/g, 1fg]Zj/, sf7df08f}, g]kfn, kf]i6 aS; gDa/ !%!@!

kmf]g g+= )!—$$@#&$#, km\ofS; g+= )!—$$!(%^%, 6f]n lk|m g+= !^^)—)!—^))))Od]n M [email protected], j]e ;fO6 M www.suryalife.com

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