æsDkgL P]g, @)%#Æ cGt{ut ;+:yflkt€¦ · sDkgL P]g, @)^# cGtu{t ;+:yflkt / aLdf P]g, @)$( adf]lhdsf] sfdsf/f]jf/ ug]{ Kf|e' nfOkm OG:of]/]G; lnld6]8 cdL/ ejg, sdnfbL, sf7df08f}

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sDkgL P]g, @)^# cGtu{t ;+:yflkt / aLdf P]g, @)$( adf]lhdsf] sfdsf/f]jf/ ug]{

Kf|e' nfOkm OG:of]/]G; lnld6]8

cdL/ ejg, sdnfbL, sf7df08f}

kmf]g g+= )!–$@^@@@#, km\ofS; g+= )!–$@$@$(&

Email: [email protected], website: www.prabhulife.com

sf]

ljj/0fkq

-lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt_

* cfiff9 d;fGt, @)&& sf] Joj:yfkgaf6 k|dfl0ft ckl/is[t ljQLo ljj/0f cg';f/ .

sDkgLn] cfˆgf] hf/L k'FhL ?= @,)),)),)),))).–-cIf/]kL b'O{ ca{ dfq_ dWo] #)Ü cyf{t ?= ^),)),)),))).–

-cIf/]kL ;f¶L s/f]8_ /sd a/fa/ k|lt z]o/ ?=!))÷– clÍt b/sf ^),)),))) lsQf dWo] #,)),))) lsQf cyf{t

s'n lgisf;gsf] %Ü z]o/ sd{rf/Lx?nfO{ / #,)),))) lsQf cyf{t s'n lgisf;gsf] %Ü z]o/ ;fd'lxs nufgL

sf]ifsf] nflu ;'/lIft ul/Psf] / afFsL %$,)),))) lsQf z]o/ ;j{;fwf/0fdf lgisf;g ul/Psf] .

b/vf:t;fy k|lt z]o/ ?= !)).— sf] b/n] -ztk|ltzt e'QmfgL dfu ul/Psf]_

nufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f M

lwtf]kqdf ul/g] nufgLdf hf]lvd x'g] ePsf]n] To:tf] hf]lvdsf] d"Nof+sg ug]{ k|d'v bfloTj nufgLstf{ :jo+sf]

x'g]5 / lwtf]kqsf] lgisf;g d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]af/ d'No ghgfpg] x'Fbf o;

ljj/0fkqsf] bkmf * df pNn]lvt hf]lvdx? ;d]tsf] cWoog u/]/ dfq nufgL ;DaGwL lg0f{o lng' x'g ;Dk"0f{

nufgLstf{df ;'emfj ul/G5 .

;+:yfks tyf ;~rfnsx? / ;+:yfks z]o/wgLx?sf Psf3/sf] ;b:on] o; ;fj{hlgs lgisf;g cfj]bg lbg kfpg] 5}gg\ .

o; ;+:yfnfO g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt qm]l86 /]l6Ë ;+:yf O{qmf g]kfn lnld6]8, l8NnLahf/,

sf7df8f}+n] [ICRANP-IR] BB+” /]l6Ë k|bfg u/]sf] 5 . h;n] sDkgLsf] ljQLo bfloTj axg ug]{ Ifdtfdf cf};t

hf]lvd /x]sf]] -Moderate risk of default regarding timely servicing of financial obligations) hgfpFb5 . ;f] u|]l8Ë sf] j}wtf

cjlw Ps aif{ /xg]5 . ;f] ;DaGwL ljj/0f o; ljj/0fkqsf] bkmf u=@@ -0f_ df pNn]v ul/Psf] 5 .

qm]l86 /]l6Ë u|]8 k|bfg u/]sf] ldlt M @)&&÷)^÷!$ qm]l86 /]l6Ë u|]8 axfn /xg] ldlt M @)&*÷)^÷!# ;Dd

g]kfn lwtf]kq af]8{af6 ljj/0f–kqdf :jLs[lt k|fKt ldlt @)&&÷)*÷!@

sDkgL /lhi6«f/sf] sfof{nodf ljj/0f–kq btf{ ldlt @)&&÷)*÷!^

lwtf]kq lgisf;g v'Nnf ldlt M @)&&÷)*÷@( lwtf]kq lgisf;g aGb x'g] ldlt -l56f]df_ M @)&&÷)(÷)@

lwtf]kq lgisf;g aGb x'g] ldlt -clGtd_ M @)&&÷)(÷!#

lwtf]kq lgisf;g tyf laqmL k|jGws M

ljj/0f jf:tljs ckl/is[t * k|If]lkt

2073/74 2074/75 2075/76 2076/77 2077/78 2078/79 2079/80 k|lt z]o/ g]6jy{{ -?=_ 100.06 103.59 109.56 112.94 115.82 126.23 139.37

k|lt z]o/ cfDbfgL -?=_ 4.12 5.83 3.83 7.51 10.41 13.14

;l~rt cfo 273,615 39,069,751 115,989,010 165,035,888 286,660,920 474,104,414 710,632,417

lgofds lgsfosf] hjfkmb]lxtf g/xg] pb\3f]if0f M

o; ljj/0fkqdf pNn]lvt lwtf]kq ;fj{hlgs lgisf;gsf nflu tof/ ul/Psf] xf] . o; ljj/0fkqnfO{ lwtf]kq

;DaGwL P]g, @)^# adf]lhd g]kfn lwtf]kq af]8{n] :jLs[lt k|bfg u/]sf]] sf/0faf6 s;}n] klg g]kfn lwtf]kq af]8{,

aLdf ;ldlt, sDkgL /lhi6«f/sf] sfof{no jf ;Da4 cGo lgodg lgsfon] ljj/0fkqdf pNn]lvt s'/fsf] ;Totf

jf lgisf;gstf{ jf cfof]hgfsf] cfly{s ;Ifdtfsf] af/]df s'g} k|sf/sf] k|Tofe"\t u/]sf] jf lhDd]jf/L lnPsf]

dflgg] 5}g .

l;4fy{ Soflk6n lnld6]8

kf]=j=g+=@!@)), gf/fo0frf}/, gS;fn sf7df08f},

kmf]g g+= $$@)(@$÷$$@)(@% ,km\ofS; g+=

$$@)(@(

Od]nM [email protected]

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http://www.siddharthacapital.com/

1

v=!= ljj/0fkqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M

s_ æljj/0fkqÆ eGgfn] sDkgL P]g @)^# sf] bkmf @# adf]lhd / lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #)

adf]lhd k|sflzt ljj/0fx? ePsf] k'l:tsf ;Demg' kb{5 .

v_ ælwtf]kq lgisf;g tyf laqmL k|aGwsÆ eGgfn] l;4fy{ Soflk6n lnld6]8, gf/fo0frf}/, gS;fn, sf7df08f}+

;Demg' kb{5 .

u_ æ;+ul7t ;+:yf÷sDkgLÆ eGgfn] lgisf;gstf{ sDkgL k|e' nfOkm OG:of]/]G; ln=,cdL/ ejg, sdnfbL

sf7df08f}nfO{ ;Demg' kb{5 .

3_ ælwtf]kqÆ eGgfn] ;+ul7t ;+:yfn] hf/L u/]sf] z]o/ ;Demg'k5{ .

ª_ æ;+sng s]Gb|Æ eGgfn] g]kfn lwtf]kq af]8{af6 lwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#

adf]lhd lwtf]kqsf] b/vf:t ;+sng ug{ cg'dlt k|fKt a}+s tyf ljQLo ;+:yfx? / ltgsf zfvf sfof{nox?

;Demg' kb{5 .

r_ ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, aLdf ;ldlt / sDkgL /lhi6«f/sf] sfof{nonfO{ ;Demg' kb{5 .

5_ æ;+:yfks, ;+rfns, sfo{sf/L k|d'v tyf Joj:yfkgÆ eGgfn] k|e' nfOkm OG:of]/]G; lnld6]8sf] ;+:yfks,

;+rfns, sfo{sf/L k|d'v tyf Joj:yfkg ;Demg' kb{5 .

h_ æaf]8{Æ eGgfn] g]kfn lwtf]kq af]8{nfO{ ;Demg' kb{5 .

v=@= ljj/0fkq tyf b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M

ljj/0fkq kfOg] :yfgx?M

l;=g+= sDkgLsf] gfd 7]ufgf

!= l;4fy{ Soflk6n lnld6]8, gf/fo0frf}/, gS;fn, sf7df8f+} .

@= k|e' nfOkm OG:of]/]G; ln=, cdL/ ejg, sdnfbL sf7df08f} .

;fy} lgisf;g tyf laqmL k|aGwssf] j]a;fO6 www.siddharthacapital.com, / lgisfzgstf{ sDkgLsf] j]a;fO6

www.prabhulife.com, jf g]kfn lwtf]kq af]8{sf] j]a;fO6 www.sebon.gov.np af6 ;d]t o; lgisf;gsf] nflu

:jLs[t ljj/0fkq x]g{ ;Sg' x'g]5 .

b/vf:t kmf/fd k|fKt ug]{ / b/vf:t a'emfpg] :yfgx? M

g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt u/L cf:jf (ASBA) ;]jfdf ;xefuL a}+s tyf ljQLo ;+:yfx? /

ltgsf zfvf sfof{nx?af6 tyf l;l8P; P08 lSnol/Ë lnld6]8af6 lgdf{0f ul/Psf] ;km\6j]o/ æd]/f] z]o/Æ

cgnfOg k|of]u u/L l;cf:jf (CASBA) k|0ffnL dfkm{t cfj]bg lbg ;lsg]5 .

2

u=!= lwtf]kq lgisf;g tyf laqmL k|aGwssf] pb\3f]if0f M

xfdLnfO{ sDkgL tyf o;sf ;~rfnsx¿n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf] cfwf/df o; sDkgLsf]

Joj:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 ;Gt'i6 x'g'sf] ;fy} ljj/0fkqdf n]lvPsf cfly{s

ljj/0fx¿ / cGo hfgsf/L tYout, k"0f{ / ;xL b]lvPsfn] nufgLstf{x?nfO{ nufgL ;DaGwL lg0f{o lng d2t k'Ug]

s'/fk|lt ljZj:t eO{ xfdLn] of] ljj/0fkq :jLs[ltsf nflu g]kfn lwtf]kq af]8{df lwtf]kq ;DaGwL P]g, @)^# /

lwtf]kq btf{ tyf lgisf;g lgodfjnL, @)&# cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq -Due Deligence Certificate_

k|:t't u/]sf 5f}+ .

u=@= ;+ul7t ;+:yfsf] pb\3f]if0f M

u=@=s= ;+rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M

of] ljj/0fkq xfdLn] k'g/fjnf]sg u/L cg'df]bg u/]sf] x'gfn] o; ljj/0fkqdf pNn]v ul/Psf ljj/0f tyf

hfgsf/Lx?sf ;fy} lgisfZfg tyf laqmL k|aGwsnfO{ lbPsf] ljQLo ljj/0f, cGo ljj/0f, hfgsf/L tyf

sfuhftx?sf ;Totf / z'4tf k|lt / lwtf]kq btf{ tyf lgisf;g cg'dlt k|of]hgsf nflu g]kfn lwtf]kq af]8{df

k]z ul/Psf] ljj/0fkq / ;f] ;Fu ;DalGwt cGo ljj/0f tyf hfgsf/Lx?sf] z'4tf tyf ;Totfk|lt o; ljj/0fkqdf

x:tfIf/ ug]{ xfdL ;+rfnsx? AolQmut jf ;fd"lxs ?kdf hjfkmb]lxtf jxg ub{5f}+ / lwtf]kq lgisf;gsf nflu

tf]lsPsf zt{ tyf cfjZostfx?sf] ;DaGwdf cfjZos hfgsf/L lnO{ xfdL of] pb\3f]if0f ub{5f}+ sL tf]lsPsf zt{

tyf cfjZostfx? ;a} kfngf u/]sf 5f}+ / nufgLstf{x?nfO{ nufgL ;DaGwL ;";'lrt lg0f{o lng cfjZos s'g}

ljj/0f, ;"rgf tyf hfgsf/Lx? n'sfPsf 5}gf}+ .

u=@=v= ;+ul7t ;+:yfsf] hjfkmb]lxtf ;DaGwL pb\3f]if0f M

o; sDkgLn] k|sflzt u/]sf] ljj/0fkq, ;fj{hlgs k|:tfj, lj1fkg jf cGo s'g} ;"rgfdf pNn]v ePsf ljj/0f

afx]s ;+ul7t ;+:yfsf] af/]df k|sflzt cGo s'g} ;"rgf jf hfgsf/Lsf] hjfkmb]lxtf ;+ul7t ;+:yfdf g/xg] /

To:tf] ;"rgf, hfgsf/L jf ljj/0fsf] cfwf/df nufgL u/]df ;f] sf] hf]lvd nufgLstf{ :jo+n] jxg ug'{kg]{5 .

u=@=u= lgodg lgsfosf] lgodg Joj:yfsf] kfngf ;DaGwL pb\3f]if0f M

k|rlnt sfg"g cg';f/ cfkm\gf] pBf]u÷Joj;fo÷;]jf;Fu ;DalGwt lgodg lgsfo -h:t}M sDkgL /lhi6«f/sf]

sfof{no cflb_ sf] ;fj{hlgs lgisf;g tyf cGo lgodg Joj:yf tyf lgb]{zgx?sf] kfngf u/]sf] s'/fsf] pb\3f]if0f

ub{5f}+ . ;fy}, ;fj{hlgs lgisf;g k|of]hgsf] nflu tof/ ul/Psf] ljj/0fkq / ;f] df plNnlvt ;Demf}tf jf cGo

ljj/0fx? g]kfn lwtf]kq af]8{, aLdf ;ldlt / sDkgL /lhi6«f/sf] sfof{nodf k]z u/]sf 5f}+ .

u=@=3= ;+:yfks, ;+rfns tyf sfo{sf/L k|d'v ;DaGwL pb\3f]if0f M

-!_ o; sDkgLsf ;+:yfks, ;~rfns jf sfo{sf/L k|d'v shf{ ;"rgf s]Gb|sf] sfnf];"rLdf /x]sf 5}gg\ .

-@_ o; sDkgLsf ;~rfns jf sfo{sf/L k|d'v sfnf];"rLdf /x]sf] cGo ;+ul7t ;+:yfdf ;~rfns jf sfo{sf/L

k|d'v /x]sf 5}gg\ .

-#_ ;fj{hlgs lgisf;gdfkm{t ;j{;fwf/0faf6 k"FhL ;+sng u/L a]kQf ePsf jf ;+rfngdf g/x]sf jf

nufgLstf{x¿sf] lxt ljkl/t x'g] sfo{ u/]sf] ;+ul7t ;+:yfsf] ;~rfns jf sfo{sf/L k|d'v o; sDkgLsf]

;~rfns jf sfo{sf/L k|d'v 5}gg\ .

-$_ lwtf]kq ;DaGwL sfg"g ljk/Lt sfo{ u/]sf] sf/0f lwtf]kq ahf/ jf lwtf]kq Joj;foLsf] cg'dltkq vf/]h

ePsf] bz jif{ k"/f gePsf] ;+ul7t ;+:yfsf] ;~rfns jf sfo{sf/L k|d'v o; sDkgLsf] ;~rfns jf sfo{sf/L

k|d'v 5}gg\ .

-%_ o; sDkgLsf ;~rfns jf sfo{sf/L k|d'v lwtf]kq ;DaGwL P]gsf] bkmf !)* adf]lhd ;~rfns jf sfo{sf/L

k|d'v cof]Uo /x]sf 5}gg\ .

3

u=#= ;+ul7t ;+:yf ;DaGwL hfgsf/L M

u=#=s= ;+ul7t ;+:yfsf] k[i7e"ld M

-s_ ;+:yfsf] gfd M k|e' nfOkm OG:of]/]G; lnld6]8 (PRABHU LIFE INSURANCE LIMITED)

-v_ ;+:yf s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f M sDkgL P]g, @)^# cGtu{t :yflkt eO{ aLdf P]g, @)$(,

aLdf lgodfjnL, @)$( adf]lhd aLdf Joj;fosf] sf/f]af/ ug]{ Ohfht k|fKt .

-u_ ;+:yfsf] /lhi68{ 7]ufgf M o; sDkgLsf] /lhi68{ sfof{no sf7df8f}+ lhNnf, sf7df8f}+ dxfgu/kflnsf j8f g+

@*, sdnfbLdf /x]sf] 5 .

-3_ sf/f]jf/ ug]{ d'Vo :yfg M o; sDkgLsf] sf/f]jf/ ug]{ d'Vo :yfg sf7df8f}+ lhNnf, sf7df8f}+ dxfgu/kflnsf

j8f g+= @*, cdL/ ejg, sdnfbL, sf7df8f}+}df /x]sf] 5 . ;fy}, k|rlnt sfg"gsf] cwLgdf /xL lgofds

lgsfosf] :jLs[lt lnO{ sDkgLn] g]kfnleq jf jflx/ h'g;'s} 7fpFdf cfˆgf] dftxtdf cGo sfof{no :yfkgf

u/L sf/f]jf/ ug{ ;Sg]5 . o; sDkgLn] xfn /lhi68{ sfof{nosf cnfjf lgDg sfof{nox?af6 hLjg aLdf

;DaGwL ;]jf k|bfg ub}{ cfO/x]sf] 5 .

qm=;+= Zffvf÷pk zfvf sfof{no qm=;+= Zffvf÷pk zfvf sfof{no qm=;+= Zffvf÷pk zfvf sfof{no

! sf7df8f+} zfvf #! kfNkf pkzfvf ^! l;Gw''nL pkzfvf

@ c5fd pkzfvf #@ kf]v/f zfvf ^@ l;d/f pkzfvf

# O6x/L zfvf ## kf]vl/of pkzfvf ^# ;'v]{t zfvf

$ Onfd pkzfvf #$ Ko'7fg pkzfvf ^$ sfjf;f]tL pkzfvf

% cf]vn9'+uf pkzfvf #% lkmlbd pkzfvf ^% xfQLuf}8f pkzfvf

^ sn+sL zfvf #^ ag]kf zfvf ^^ x]6f}8f zfvf

& 6fF8L pkzfvf #& alb{af; pkzfvf ^& wgu9L zfvf

* 88]Nw'/f pkzfvf #* afUn'Ë pkzfvf ^* aemf+u pkzfvf

( sn}of pkzfvf #( afg]Zj/ zfvf ^( 3f]/fxL zfvf

!) vfFbaf/L pkzfvf $) la/f6gu/ zfvf &) e'dxL pkzfvf

!! uNsf]6 pkzfvf $! latf{df]8 zfvf &! yfgsf]6 pkzfvf

!@ u'n]/Lof pkzfvf $@ aL/u+h, lnÍ/f]8 zfvf &@ s6f/L pkzfvf

!# sf]]6]Zj/ zfvf $# aL/u+h, cfbz{gu/ zfvf &# bLkfon pkzfvf

!$ u?8f pkzfvf $$ a'6jn zfvf &$ lstL{k'/ pkzfvf

!% ufO{3f6 pkzfvf $% a'lt{afË pkzfvf &% cQl/of pkzfvf

!^ uf]+ua' zfvf $^ a]nf}/L pkzfvf &^ aflaofrf}/ pkzfvf

!& rGb|f}6f pkzfvf $& a]l;zx/ pkzfvf && au/ pkzfvf

!* h'Dnf pkzfvf $* a}t8L pkzfvf &* a]gL pkzfvf

!( hf]/kf6L pkzfvf $( eStk'/ zfvf &( Rff}/hxf/L pkzfvf

@) hgsk'/ zfvf %) e}/xjf pkzfvf *) b}n]v pkzfvf

@! bds pkzfvf %! e};]+kf6L pkzfvf *! uf}/ pkzfvf

@@ bdf}nL pkzfvf %@ dx]Gbgu/ zfvf *@ s+rgk'/ pkzfvf

@# bfr'{nf pkzfvf %# ldr}{of pkzfvf *# d]x]ns'gf pkzfvf

@$ wgs'6f pkzfvf %$ /fhla/fh pkzfvf *$ d+nujf pkzfvf

@% w/fg pkzfvf %% ?s'd pkzfvf *% Dfft{8L pkzfvf

@^ wflbª pkzfvf %^ nDsL pkzfvf *^ Kff6g zfvf

@& gf/fo0fu9 zfvf %& Nfxfg zfvf *& ;a}nf pkzfvf

@* g'jfsf]6 pkzfvf %* n]vgfy pkzfvf ** l;d|f}gu9 pkzfvf

@( g]kfnuGh zfvf %( jflnª pkzfvf *( >Lgu/ pkzfvf

#) nlntk'/ pkzfvf ^) xl/jg pkzfvf () 6Lsfk'/ pkzfvf

4

-ª_ ;+ul7t ;+:yfsf] :yfkgfsfnb]lv xfn;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf] d'Vo p2]Zox?M

sDkgLsf] :yfkgfsfn b]lv xfn;Ddsf] ;+lIfKt Oltxf; b]xfo adf]lhd /x]sf] 5 M

o; sDkgL sDkgL P]g, @)^# adf]lhd ldlt @)^$÷)#÷)* df sDkgL /lhi6«f/sf] sfof{nodf :6f/ nfO{km OG:of]/]G;

sDkgL lnld6]8sf] gfdaf6 klAns lnld6]8sf] ?kdf btf{ ePsf] xf] . sDkgL /lhi6«f/sf] sfof{nosf] ldlt

@)&$÷)*÷)^ sf] lg0f{oaf6 ;fljssf] :6f/ nfOkm OG:of]/]G;sf] gfddf /x]sf] ;Dk"0f{ rn crn ;Dklt tyf ltg'{

Aoxf]g'{kg]{ s/ bfloTj cflb kl/jlt{t gfd k|e' nfOkm OG:of]/G; lnld6]8df ;g]{ u/L lg0f{o eO{ k|e' nfOkm OG:of]/]G;

sfod ePsf] xf] . sDkgL P]g, @)^# adf]lhd k|e' nfOkm OG:of]/]G; lnld6]8 aLdf P]g, @)$(, aLdf lgodfjnL @)$(

tyf k|rlnt sfg"gsf] cwLgdf /xL Joj;fodf ;+nUg JolQm jf ;+:yfx?sf] ;+efljt hf]lvdnfO{ hLjg aLdfsf]

dfWodaf6 lxt / ;'ljwf k|bfg ug]{ tyf b]zdf aLdf ;]jf pknAw u/fO{ cfly{s ljsf;df ;xof]u k'¥ofpg] p2]Zon]

ldlt @)^$÷)#÷)* ut] sDkgL /lhi6«f/sf] sfof{nodf btf{ e} aLdf ;ldltaf6 ldlt @)&$÷)%÷)& ut] aLdf

Jofj;fo sf/f]jf/ ug{ Ohfht k|fKt u/L ldlt @)&$÷)*÷@* ut]b]lv Joj;flos sf/f]jf/ ;+rfng ul//x]sf] 5 . o;

sDkgLsf] ;+:yfksx? ljQLo÷a}+lsË, sfg"g If]q, Aofkf/ Joj;fo Pjd\ Joj:yfkgdf nfdf] ;dob]lv bvn ePsf

:yfgLo nAw k|ltli7t AolQm tyf Joj;foLx? /x]sf 5g\ .

sDkgLsf] k|aGwkq tyf lgodfjnL adf]lhd aLdf P]g, @)$(, aLdf lgodfjnL @)$( tyf cGo k|rlnt sfg"gsf]

cwLgdf /xL sDkgLsf] d'Vo p2]Zox? b]xfo adf]lhd Joj:yf ul/Psf] 5 M–

s_ k|rlnt sfg'gsf] cwLgdf /xL ljleGg JolQmsf] hLjg aLdf ;DaGwL, cfhLjg, ;falws tyf DofbL aLdf

Joj;fo ug]{ u/fpg] .

v_ k|rlnt sfg'gsf] cwLgdf /xL afn aRrfsf] lxtsf] nflu ljleGg hLjg aLdf of]hgfx? (Children’s

Policy), cfhLjg hLjg aLdf (Whole Life Policy), ;fjlws aLdfn]v (Endowment Policy) tyf

jflif{s j[lQ of]hgf (Annuity Plan) h:tf JolQmsf] eljio ;'lglZrttfdf ;3fp k'Ug] ljleGg k|sf/sf

hLjg aLdf tyf k'gaL{dfsf] Joj;fo ug]{ u/fpg] .

u_ hLjg aLdf cGtu{t k'/s s/f/sf] ?kdf JolQmsf] 3fts /f]ux? ;DaGwL aLdf (Critical Illness

Insurance), b'3{6gf d[To' ;'ljwf (Accidental Death Benefit), aLdfz'Ns 5'6 ;'ljwf (Premium

Waiver Benefit), dfl;s cfo ;'ljwf (Monthly Income Benefit) tyf o:t} cGo aLdf ug]{ tyf

u/fpg] .

3_ sf/f]jf/sf] l;nl;nfdf sDkgLsf] k|aGw / cGo k|fljlws ;xof]usf nflu aLdf ;ldlt Pjd\ ;DalGwt

lgsfosf] :jLs[lt lnO :jb]zL jf ljb]zL aLdf sDkgL;+u k|fljlws ;]jf ;D´f}tf (Technical Sevice

Agreement) ug]{ jf o:tf ;]jf k|bfg ug]{ .

ª_ aLdf ;D´f}tf u/] afkt k|fKt ePsf] /sd ljleGg If]qdf nufgL ug]{ .

Rf_ hLjg aLdf Joj;fosf] l;nl;nfdf ljleGg aLdsx?;Fu k'gaL{df u/fpg] tyf k'gaL{df :jLsf/ ug]{ .

5_ hLjg aLdf Joj;fo;+u ;DalGwt Pjd\ ;/f]sf/ /fVg] sfo{x? Ufg]{ .

-r_ ;+ul7t ;+:yfsf] s'g} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, Oltxf; / To;sf d'Vo p2]Zox?sf

;fy} To;df ePsf] nufgLsf] c+z -k|ltztdf_ M ;f] gePsf] .

-5_ cGo ljj/0fx? M

-!_ ;+ul7t ;++:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx? M o; aLDff sDkgLn] k|bfg ug]{ d'Vo ;]jfdf hLjg

aLdf Aoj;fo /x]sf] 5 .

-@_ k|of]u ePsf] jf ul/g] k|ljlw M aLdf sDkgL ;]jf k|bfos sDkgL ePsf]n] dfly v08 -!_ df pNn]lvt ;]jf

k|bfg ug{ cfjZos k|ljlw k|of]udf NofPsf] 5 .

-#_ s'g} j|fG8g]d, k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ljQLo ;+:yf;Fu ;DalGwt

af}l4s ;DklQ xs clwsf/ M ;f] gePsf] .

-$_ ;+ul7t ;++:yfn] cf]u6]sf] ahf/ If]q M o; aLdf sDkgLn] ;+rfngdf cfPsf] 5f]6f] cjwLdf & j6f k|b]z

sfof{nox? ;d]t () j6f zfvf÷pkzfvfaf6 cfˆgf] ;]jf k|bfg ul//x]sf] 5 .

-%_ gofF pTkfbg tyf ;]jf ;DaGwL of]hgf M

5

sDkgLn] ldlt @)&$÷)*÷@* b]lv ljlwjt ?kdf hLjg aLdf Joj;fo ;+rfng ub}{ cfPsf] / xfn sl/a # jif{

dfq ePsf] xF'bf xfn k|of]udf /x]sf lgDgfg';f/sf hLjg aLdfsf of]hgfx? ;a} gofF ;]jfsf ?kdf /x]sf 5g\ .

– ;Da[4 -;fjlws_ hLjg aLdf of]hgf

– ;Da[4 -;fjlws_ hLjg aLdf of]hgf – Psn e'QmfgL

– cd'No -;fjlws tyf cfhLjg_ hLjg aLdf of]hgf

– >Lj[l¢ -;fjlws_ hLjg aLdf

– hLjg ls/0f -afn ;fjlws_ hLjg aLdf of]hgf

– hLjg pGglt -afn cu|Ld e'QmfgL ;fjlws_ hLjg aLdf of]hgf

– j}ej -cu|Ld e'QmfgL ;fjlws_ hLjg aLdf of]hgf

– ;d'Gglt -cu|Ld e'QmfgL ;fjlws_ hLjg aLdf of]hgf

– hLjg :kz{ cfjlws hLjg aLdf of]hgf

– k|e' DofbL hLjg aLdf of]hgf

– Ps jif]{ gjLs/0fLo DofbL hLjg aLdf of]hgf

kl5Nnf] ;dodf ahf/df NofOPsf $ j6f of]hgfdf ;d'Gglt -cu|Ld e'QmfgL ;fjlws_, hLjg :kz{ cfjlws

hLjg aLdf of]hgf, k|e' DofbL hLjg aLdf of]hgf / Ps-jif]{ gjLs/0fLo DofbL hLjg aLdf of]hgf /x]sf 5g\ .

ut cfly{s jif{ @)&^÷&& sf] aLdf Joj;fodf ;fjlws hLjg aLdf ;DaGwL of]hgfx?sf] cFz sl/a ^* k|ltzt,

cu|Ld e'QmfgL ;DaGwL of]hgfx?sf] cFz !) k|ltzt / cGo of]hgx?sf] @@ k|ltzt /x]sf] 5 . ctM ahf/sf] dfu

cg'?k sDkgLn] ;fjlws hLjg aLdf of]hgfx?df g} hf]8 lbOPsf]5 .

-^_ pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M

g]kfnsf & j6} k|b]z cGtu{t () j6f zfvf÷pkzfvf dfkm{t aLdf clestf{ ;~hfn lj:tf/ ub}{ x/]s ju{sf

u|fxssf] cfjZostf cg'?k aLdf ;]jf pknAw u/fFpb} cfPsf] .

-&_ pTkfbg÷ ;~rfng Ifdtf / ;f]sf] pkef]u l:ylt M

Nffu' gx'g] .

-*_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M

;f] gePsf] .

-(_ u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf M

sDkgLn] u'0f lgoGq0fsf] nflu u|fxs klxrfg ;DaGwL ljBdfg Joj:yf tyf dfkb08sf] kl/kfngf ub}{ aLdf

rfxg] JolQmsf] pd]/ / aLdfÍsf] cfwf/df :jf:Yo k/LIf0f u/fpg], aLdfz'Ns e'QmfgL ug{] lgoldt cfDbfgLsf

>f]tx? v'nfpg] nufotsf k|df0f k|fKt u/L k|:tfljt aLdfÍ cg';f/sf] aLdf ug{ k|:tfjs of]Uo /x] g/x]sf]

osLg ug{ c08//fO6LË sf] dfWodaf6 hf]lvdfÍg (Risk Assessment) ug]{ Joj:yf u/]sf] . aLdfÍsf]

/sdsf] lglZrt cFz hf]lvd dfq cfkm'n] Joxf]g]{ u/L ;f] eGbf a9L bfloTj k'gaL{dsn] Joxf]g]{ Joj:yf u/]sf] .

-!)_ cg';Gwfg tyf ljsf; M

g]kfnsf] cfly{s ;fdflhs lasf; ;+u} hgcfsf+Iff / dfu adf]lhdsf] gof+ aLdf ;]jf ;DjGwL cg';Gwfg tyf

lasf; ub}{ cfPsf] .

-!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;~rfngdf c;/ kg]{ u/L ePsf] jfwf, Jojwfg M xfn ljZje/ km}lnPsf]

sf]le8–!( sf] ;+s|d0fsf] sf/0f o; sDkgLsf] aldf Joj;fodf klg k|lts"n c;/ kg{ uPsf] 5 . @)&^ r}t

!! ut]b]lv d'n'sdf aGbfaGbLsf] cj:yf nfu" ePkl5 sl/a # dlxgf cyf{t\ @)&^ r}t, @)&& j}zfv /

@)&& h]7sf] cjlwdf jif{e/sf] s'n aLdf Joj;fodf % k|ltztsf] dfq ;fdfGo of]ubfg /x\of] . cl3Nnf]

jif{sf] ;f]xL dlxgfsf] t'ngdf @)&^ r}t / @)&& j}zfvdf && k|ltztsf] pRr lu/fj6 cfof] eg] @)&&

h]7df !* k|ltztn] aLdf Joj;fodf sdL cfof] . @)&& c;f/b]lv l:ylt qmlds ?kdf ;xh aGb} uPsf] 5 .

-!@_ dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP, ;f] ;DaGwL ljj/0f M ;f] gePsf] .

-!#_ ahf/, k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M

xfnsf] k|lt:kwL{ aLdf ahf/df sf/f]jf/ z'? ePsf] 5f]6f] cjlwdf klg sDkgLsf] Joj;flos tyf ljQLo

cj:yf ;+tf]ifhgs /x]sf] 5 . sDkgLn] cfly{s jif{ @)&$÷&% df ?= !! s/f]8 $$ nfv, cf=j= @)&%÷&^

df ?= $& s/f]8 #* nfv / cf=j= @)&^÷&& df cl3Nnf] jif{sf] t'ngfdf sl/a !%# k|ltztn] a9]/ ?= !

6

ca{ !( s/f]8 &* nfv s'n aLdfz'Ns ;+sng ug{ ;kmn ePsf] lyof] . ut cfly{s jif{df @)&^÷&& df

sDkgLsf] ahf/ lx:;f klg cl3Nnf jif{x?sf] t'ngfdf a9]/ sl/a !=# k|ltzt k'u]sf] 5 . kl5 :yfkgf ePsf

gofF !) sDkgLx?;+usf] t'ngfdf o:tf] lx:;f sl/a & k|ltzt /x]sf] 5 . d'n'ssf] cy{tGqdf ljljw ptf/

r9fj x'Fbfx'Fb} klg o; sDkgLn] cjnDjg u/]sf] Joj;flos /0fgLlt, ;+:yfut ;'zf;g, kf/blz{tf tyf

pRr:t/sf] u|fxsd'vL k|fljlws ;]jf Pjd\ ;Ifd Joj;flos ;d"xsf] ;+nUgtf ;d]tn] ubf{ cfkm\gf] :yfkgfsf]

5f]6f] cjlwdf ;+tf]ifhgs k|ult ug{ sDkgL ;kmn ePsf] / cfufdL lbgx?df ;d]t :j:Yo k|lt:kwf{Tds

9+uaf6 aLdf Joj;fo a9fp+b} n}hfg sDkgL k|lta4 5 .

-!$_ k|d'v u|fxsx?sf] ljj/0f -h:t}–;++:yfsf] s'n jflif{s sf/f]jf/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug{] jf

Joj;fosf] nflu ;++:yf s'g} k|d'v u|fxs;Fu lge{/ 5 eg] t\t;DaGwL ljj/0f_ M ;f] gePsf] .

-!%_ k|d'v ;Knfo;{x?sf] ljj/0f -h:t}– ;+:yfsf] s'n sf/f]af/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug]{ ;Knfo;{ jf

Joj;fosf] nflu ;+ul7t ;+:yf s'g} k|d'v ;Knfo;{;Fu lge{/ 5 eg] t\t;DaGwL ljj/0f_ M ;f] gePsf] .

u=#=v= ;DklQsf] ljj/0f M

-s_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M

aLdf sDkgLsf] ;DklQsf] cj:yf tn pNn]v ul/P adf]lhd /x]sf] 5 .

ljj/)f cf=j= 2075÷76 cf=j= 2076÷77

-ckl/is[t_

lk|m xf]N8 hldg

ejg

kmlg{r/ tyf lkmS;\r;{ 12,057,036 11,824,744

sfof{no ;fdfg 11,162,002 9,952,354

sDKo"^/ tyf ;"rgf k|ljwL pks/)f 4,987,776 5,578,749

cb[Zo ;DklQ 2,059,381 1,549,300

;jf/L ;fwg 23,777,301 24,613,308

lnh xf]N* ;DklQ 20,430,305 16,049,070

cGo – 589,000

hDdf 74,473,802 70,156,524

lgdf{)fflwg k"+hLut vr{

s"n 74,473,802 70,156,524

dfly pNn]lvt ;DklQx? rfn' cj:yfdf /x]sf tyf pQm ;DklQx? ljQLo ;+:yfsf] d'Vo sfof{no tyf zfvf

sfof{nox?df /x]sf 5g\ .

-v_ a'Fbf -s_ df pNn]lvt ;DklQ ;+ul7t ;+:yfsf] cfˆg} ;DklQ xf] of lnhdf lnPsf ], lnhdf lnPsf] eP

lnhsf] cjlw -ldlt ;d]t pNn]v ug'{kg]{_ M

sDkgLsf] cfˆg} ;DklQ ePsf] .

-u_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h eP ;f]

;DaGwL ljj/0f M ;f] gePsf] .

-3_ cfly{s jif{ ;dfKt eP kZrft ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf]

lstfaL d'No / ahf/ d"NoaLr km/s ePdf ;f] sf] ljj/0f M

o; sDkgLsf] ;DklQ k'gd"{NofÍg gul/Psf] x'Fbf lstfjL d"No / ahf/ d"No aLr km/s gePsf] .

-ª_ ;DklQsf] d'Nof+sg ul/Psf] tl/sf ;DaGwL ljj/0f M

k/n df]ndf lgodcg';f/ ug'{kg]{ x|f;s§L u/L n]vfdfg cg';f/ afFsL /x]sf] jf:tljs ;DklQnfO{

;DklQsf] ?kdf /flvPsf] 5 . d"Nof+sg gul/Psf] .

u=#=u= efjL of]hgf tyf /0fgLlt M

-s_ Joj;fo÷;]jfsf] j[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|lfKtsf nflu rflng] ;doa4

/0fgLlt M

g]kfndf aLdf Joj;fosf] ljsf; ug{ aLdf ;DjGwL hgr]tgf clej[l4 u/L x/]s If]qdf aLdf k|lt

cfslif{t ub}{ b]zsf] aLdf If]qdf ;j{;fwf/0f, pBf]uL, Jofkf/L Pjd\ ljleGg ;+3 ;:+yfx?;Dddf

7

aLdf k|0ffnL dfkm{t ;/n, ;'ne / l56f]–5l/tf] tl/sfaf6 e/kbf]{ Pjd\ u'0f:t/Lo aLdf ;]jf k|bfg

ug]{ tyf lgs6 eljiodf u|fdL0f ;d'bfo;Dd ;]jf lj:tf/ ug]{, ;]jfdf ljljlws/0f ub}{ hfg] tyf yk

;]jf lj:tf/ ub}{ hfg] o; sDkgLsf] of]hgf /x]sf] 5 . u|fxs dxfg'efjx?sf] ;]jfdf / ;fdflhs

pQ/bfloTj ;d]tnfO{ Wofgdf /fvL sfo{ ul/g]5 .

sDkgLsf] bL3{sfnLg lxt / Joj;fo k|j4{gsf nflu lgDgfg';f/sf] sfo{of]hgf cufl8 ;fl/Psf] 5 M

hLjg aLdf ;]jfnfO{ ;dfhsf x/]s tx / tKsfsf dflg;x?;Dd lj:tf/ ug{ pko'Qm aLdf

of]hgfx? th{'df u/L u'0f:t/Lo aLdf ;]jf k|bfg ug]{ sfo{df k|of;/t /xg] .

nufgL ljljlws/0f u/L cf};t cfo j[l4 ug{ tyf aLldtx?sf] k|ltkmn j[l4 ug{ k|of;/t /xg] .

n3' aLdf of]hgfsf] dfWodaf6 cfd dflg;df aLdf ;]jf k'/\ofpg]] .

cGt/f{li6«o ahf/ ;d]tnfO{ b[litut u/L gofF aLdf of]hgfx? th'{df ub}{ n}hfg] .

sDkgLsf] ;"rgf k|ljlwsf] lasf; / la:tf/nfO{ yk tLa|tf lbO{ sfo{Ifdtf / ;'/Iffdf j[l4 ug]{ .

aLldtsf] ;]jf k|0ffnLdf u'0ffTds j[l4 ug{ bfjL e'StfgL k|s[ofdf ;/nLs/0f Pjd\ gjLs/0f

aLdfz'Ns e'StfgLsf] ;xh Joj:yfsf nflu yk a}+sx?;+u ;xsfo{ ug]{ tyf ljB'tLo e'QmfgL

;+oGqdf hf]8 lbg] .

sd{rf/L tyf clestf{x?sf] k]zfut bIftf clej[l4sf sfo{qmdx? th'{df ug{] .

gofF aLdf sDkgLx?sf]] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g ;Sg] hf]lvdx?, aLdf sDkgLn] k|bfg u/]sf]

tyf eljiodf k|bfg ul/g] aLdf ;]jfaf6 x'g ;Sg]] hf]lvd, b]zsf] /fhg}lts kl/l:yltaf6 cfpg ;Sg]

hf]lvdx?, b]zsf] cfly{s cj:yfdf cfpg] ptf/–r9fjaf6 x'g ;Sg] hf]lvdx?, g]kfn ;/sf/sf] cfly{s gLlt

tyf lgofds lgsfoaf6 hf/L x'g] lgb]{zgdf x'g] kl/jt{gaf6 l;h{gf x'g ;Sg] hf]lvdx?, aLdf ahf/sf]

cj:yfdf cfpg] ptf/– r9fjaf6 kg{ ;Sg] hf]lvdx?, cGt/f{li6«o ahf/df x'g] dGbLaf6 g]kfnsf] ahf/df

kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx?, b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+s tyf aLdf

;ldltn] hf/L ug]{ gLlt, lgod / lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf x'g] ;Defljt hf]lvdx? nufot

;Dk"0f{ hf]lvdx?sf] uxg cWoog / ljZn]if0f u/L pQm hf]lvdx? Go'gLs/0f ub}{ hfg] /0fgLlt /x]sf] 5 .

cfpFbf jif{x?df b]zsf] aLdf ahf/sf] lj:tf/, ;/sf/L lgsfosf] kxn, aLdfsf] af/]df hgdfg;df hfu/0f

cleofg / aLdf sDkgLn] Nofpg] of]hgfM

dfgj ;+;fwg ljsf;M hLjg aLdf Joj;fodf bIf hgzlQmsf] pTkfbg ug{ aLdf;‘u ;DalGwt

ljleGg lsl;dsf :jb]zL tyf ljb]zL tflnd k|bfg ug]{ . ;fy} hf]lvdfÍg, sd{rf/L k|zf;g, ljQ

Joj:yfkg, g]t[Tj ljsf;, ;+:yfut ;';fzg tyf sDkgLsf] Joj;fo j[l¢ ug{ cfjZos cfGtl/s

tflndx? lbg] qmdnfO{ lg/Gt/tf lbOg]5 .

Zffvf sfof{no la:tf/M sDkgLn] cfkmgf] zfvf ;~hfnnfO{ && lhNnfdf k'¥ofO g]kfne/ lxdfn

kxf8b]lv t/fO{;Dd ;fy} d]rLb]lv dxfsfnL;Dd cfw'lgs :t/sf] k|ljlwo'Qm hLjg aLdf ;]jf k|bfg

ug]{5 .

aLdf clestf{ tflnd Pjd\ j[lQ ljsf;M clestf{x?n] aLdf Joj;fonfO{ cufl8 a9fpg] s'/f

Wofgdf /fvL a9L eGbf a9L clestf{x? pTkfbg ug]{ nIon] clestf{x?nfO{ bIf sd{rf/Lsf]

dfWodaf6 tflnd k|bfg ug]{, clestf{x?sf] j[lQ ljsf; u/fpg], hgdfg;df aLdf k|ltsf] hfu/0f

u/fpg] tyf gof‘ JolQmnfO{ clestf{sf] ?kdf cl3 a9 \g k|]l/t ug]{5 .

;+:yfut ;'zf;gM ;+:yfnfO{ cufl8 a9fpg aLdf ;ldltaf6 hf/L x'g] tyf ;DalGwt P]g, sDkgL

P]g / lwtf]kq P]gdf ePsf sfg'gL Joj:yfx?sf] k"0f{ ?kdf kfngf u/L ;+:yfut ;'zf;g sfod

/fVg sDkgL ;b}j ;r]t /xg]5 .

hLjg aLdfsf] If]qdf cu|0fL e"ldsf lgjf{x u/L aLdf Joj;foaf6 aLldt tyf nufgLstf{

z]o/wgLx?nfO{ oyf]lrt k|ltkmn lbg k|of; ug]{5 .

-v_ k|lt:kwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf]

Joj;fosf] eljio M

Psflt/ b]zsf] aLdf ahf/ cToGt k|lt:kwf{Tds 5 eg] csf]{tkm{ /fli6«o tyf cGt/fli6«o kl/l:yltn]

b]zsf] cfly{s l:ylt cg's'n g/x]sf] sf/0f klg k|lts"n k|efljt k/]sf] cj:yf 5 . sDkgLn] @)&$

8

d+l;/b]lv cfkm\gf] Joj;flos sf/f]jf/ z'? u/L @)&& c;f/ d;fGt cyf{t\ sl/a ;f9] b'O{ jif{sf]

5f]6f] cjlwdf g} aLldtx?sf] rfxgf / cfjZostf cg';f/sf :t/Lo u|fxsf]Gd'v ;]jf tyf ;'ljwfx?

k|bfg u/]/ pknJw >f]t / ;fwgsf] pko'St kl/rfng u/L t'ngfTds ?kdf pT;fxhgs pknlAw

xfl;n u/]sf] 5 . sDkgLsf] Joj;fosf] eljio ;'lglZrt x'g] s]xL cfwf/x?df sDkgLn] xfn;Dd

u/]sf] Joj;flos k|ult, a9\bf] ahf/ lx:;f tyf ;'b[9 ljQLo kl/;"rsx?nfO{ lng ;lsG5 .

:yfkgfsfnb]lv @)&& c;f/ d;fGtsf] 5f]6f] cjlwdf g} s'n aLdfz'Ns ;+sng ?= ! vj{ &( s/f]8,

z]o/wgLx?sf] sf]ifdf ?= ! vj{%^ s/f]8 tyf aLldtx?sf] cwLgdf /xg] hLjg aLdf sf]ifdf ?= !

vj{)$ s/f]8 k'usf] 5 . sDkgLsf] ahf/ lx::ffdf s|lds a9f]Q/L cfPsf], clestf{ ;+hfn lgdf{0fdf

j[l4 cfPsf] tyf gofF-gofF aLdf of]hgfsf] k|of]u Pjd\ cEof; h:tf cfwf/x?nfO{ ;d]t lng ;lsG5

. xfn sl/j @@ k|ltzt hgtfsf] dfq aLdfdf kx'Fr k'u]sf] l:yltnfO{ b[li6ut ubf{ ;d]t aLdf

Joj;fo clej[l4sf nflu cfzfjfbL x'g ;lsg] kof{Kt :yfg 5 . aLdfz'Ns, nufgL, d'gfkmf nufot

bfjL km5\of}{6, k'gaL{df jfkt s'zn hf]lvd Joj:yfkg, aLdf lzIff, sd{rf/L, aLdf clestf{ tyf

;/f]sf/jfnf lgsfonfO{ aLdf ;DjGwL cfjZos tflnd, lgofds lgsfoaf6 cfof]hgf ul/g] ljleGg

sfo{qmd jf cWoog ;ldltdf sDkgLsf lj1x?4f/f ul/Psf]] ;jn of]ubfg cflbnfO{ ljrf/ ubf{ klg

sDkgL ;+:yfut nIo xfl;n ug]{ tkm{ s]Gb|Lt /x]af6 Joj;flos eljio pknlAwk"0f{ x'g] ljZjf;

/x]sf] 5 .

u=#=3= ;~rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yf M

lgodfjnLsf] lgod * pklgod -@_ df ePsf] Joj:yf cg';f/ o; sDkgLdf Ps dlxnf ;lxt & hgfsf]

;+rfns ;ldlt x'g]5 . ;f] ;ldltsf] ;d"xut k|ltlglwTj b]xfo adf]lhd x'g]5 M–

-s_ ;d"xæsÆ ;+:yfks ;d"xsf z]o/wgLaf6 lgj{flrt $ hgf

-v_ ;d"xævÆ ;j{;fwf/0f ;d"xsf z]o/wgLaf6 lgjf{lrt @ hgf

-u_ :jtGq ;+rfns ! hgf

;~rfnsx?sf] sfo{sfn $ -rf/_ jif{sf] x'g]5 .

lgodfjnLsf] lgod !#-@_ df Joj:yf eP cg';f/ ;~rfnssf] kbdf lgo'Qm x'gsf] nflu s'g} klg z]o/wgLn]

cfˆgf] gfddf !)) -Ps ;o_ lsQf z]o/ lnPsf] x'g'kg]{5 . t/, :f+ul7t ;+:yfsf] k|ltlglwTj ug]{ ;~rfnssf]

xsdf of] Joj:yf nfu' x'g] 5}g .

u=$= kF'hL ;+/rgf ;DaGwL hfgsf/L M

-s_ clws[t, hf/L tyf r'Qmf kF'hL / ;+:yfsf] :yfkgf kZrft\ ;f] df kl/jt{g ePsf] eP tT;DjGwL

ljj/0f M

clws[t k"FhL M sDkgLsf] clws[t k"FhL ?= @,)),)),)),))).– -cIf/]kL b'O{ ca{_ /x]sf]] 5 . pQm

k"FhLnfO{ ?= !)).– sf b/n] @,)),)),))) -b'O{ s/f]8_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

hf/L k"FhL M sDkgLsf] tTsfn hf/L k"FhL ?= @)),)),)),))).– -cIf/]kL b'O{ ca{_ /x]sf] 5 . pQm

k"FhLnfO{ ?= !)).– sf b/n] @,)),)),))).– -b'O{ s/f]8_ yfg z]o/df ljefhg ul/Psf] 5 .

r'Qmf k"FhL M sDkgLsf] xfn r'Qmf k"FhL ?= !,$),)),)),))).– -cIf/]kL Ps ca{ rfnL; s/f]8_ /x]sf]]

5 h;nfO{ ?= !)).– sf b/n] !,$),)),))) -Ps s/f]8 rfnL; nfv_ yfg z]o/df ljefhg ul/Psf]

5 .

o; ljj/0fkq dfkm{t ;j{;fwf/0fnfO{ ?= ^),)),)),))).– -cIf/]kL ;f7L s/f]8_ /sd a/fa/sf]

z]o/sf] lgisf;g kZrft\ ;+:yfsf] r'Qmf k"FhL ?= @)),)),)),))).– -cIf/]kL b'O{ ca{_ x'g]5 .

clws[t, hf/L tyf r'Qmf k"FhLdf eO{ cfPsf]÷kl/jt{g ePsf] eP tT;DaGwL ljj/0f M

k"FhL ;DaGwL ljj/0f 2063/64 2064/65 2074/75

clws[t k"FhL 30,00,00,000 50,00,00,000 2,00,00,00,000

hf/L k"FhL 25,00,00,000 36,00,00,000 2,00,00,00,000

r'Qmf k"FhL 12,50,00,000 25,20,00,000 1,40,00,00,000

-v_ lgisf;g kl5sf] r'Qmf k"FhL -;d"xs[[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M

9

;fwf/0f z]o/ lgisf;g u/L afF8kmfF8 u/] kZrft\ x'g] sDkgLsf] r'Qmf k"FhLsf] ;+/rgf b]xfo adf]lhd

/x]sf] 5 M

;d"x z]o/wgLx? ;fwf/0f z]o/ ;+Vof k"FhL k|ltzt -Ü_ r'Qmf /sd e'QmfgL

k|ltzt

s ;+:yfks z]o/wgLx? !,$),)),))) &) !,$),)),)),))) ztk|ltzt

Vf ;j{;fwf/0f z]o/wgLx?

-sd{rf/L ;lxt_ )̂,)),))) #) )̂,)),)),))) e'QmfgL x'g afFsL

hDdf @,)),)),))) !)) @,)),)),)),)))

-u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft\_ M

o; lgisfzg k"j{ lgisfzg ul/Psf] z]o/ Pj+ o; ljj/0f kq dfkm{t lgisfzg ul/g] z]o/ lk|ldoddf

geO{ c+lst d"Nodf hf/L ul/Psf] x'Fbf z]o/ lk|ldod vftfsf] cfjZostf g/x]sf] .

u=%= ;+:yfks÷;+rfns ;DaGwL hfgsf/L M

u=%=s= ;+:yfks÷;+rfnssf] k[i7e"dL M

-s_ cfwf/e"t z]o/wgLx? tyf ;+rfnsx?sf] gfd, kb, pd]/, /fli6«otf, 7]ufgf, z]o/ :jfldTj, z}lIfs

of]Uotf, cg'ej, / k|:tfljt Aofkf/÷Aoj;fodf cg'ej M

cfwf/e't z]o/wgLx?sf] ljj/0f

qm=;+= gfd, 7]ufgf kb pd]/

-jif{_ /fli6«otf

z]o/ :jfldTj

-lsQf_

z}lIfs

of]Uotf

cg'ej

-k"j{ / xfn sfo{/t_

!= k|e' a}s ln=

7]ufgf M aa/dxn, sf7df08f}+ ;+:yfks

nfu'

gx'g]

nfu'

gx'g] @),)),))) nfu' gx'g] nfu' gx'g]

@= ;+flu|nf 8]enkd]G6 a}+s ln=

7]ufgf M afn'jf6f/, sf7df8f}+ ;+:yfks

nfu'

gx'g]

nfu'

gx'g] !&,&&,%)) nfu' gx'g] nfu' gx'g]

#= g]kfn OGe]i6d]06 k|f=ln=

7]ufgf M ;fg]kf–@, nlntk'/ ;+:yfks

nfu'

gx'g]

nfu'

gx'g] !$,)),))) nfu' gx'g] nfu' gx'g]

$= k|e' u|'k k|f=ln=

7]ufgfM sf7df8f}+ ;+:yfks

nfu'

gx'g]

nfu'

gx'g] !),)),))) nfu' gx'g] nfu' gx'g]

%= k|e' Dofg]hd]06 k|f=ln=

7]ufgf M u}x|Lwf/f, sf7df8f}+ ;+:yfks

nfu'

gx'g]

nfu'

gx'g] &,)),))) nfu' gx'g] nfu' gx'g]

^= k|e' Soflk6n lnld6]8,

7]ufgf M u}x|Lwf/f, sf7df8f}+ ;+:yfks

nfu'

gx'g]

nfu'

gx'g] %,)),))) nfu' gx'g] nfu' gx'g]

&= lj/f6 s'df/ >]i7

7]ufgf M 35147 afUn"é ;+:yfks ^$ g]kfnL #,%),))) P;Pn;L

cfoft÷lgof{t

*= b]jL k|sfz e§rg

7]ufgf M 314, ;fg]kf nlntk"/ ;+:yfks %( g]kfnL #,$(,%)) :gftsf]Q/

Jofkf/÷Joj;fo

(= >L z'lzn yfkf

7]ufgf M u'NdL–^ ;+:yfks $# g]kfnL #,)),))) :gfts

hnljB't Joj;fo

!)=

;g/fO{h xf]lN8Ë k|f=ln=

7]ufgf M sf=d=g=kf= j8f g+=

@*, sdnfbL

;+:yfks nfu'

gx'g]

nfu'

gx'g] #,)),))) nfu' gx'g] nfu' gx'g]

!!= lj/]Gb| gf/fo0f >]i7

7]ufgf M s'n]Zj/–!$, sf7df8f}+ ;+:yfks ^@ g]kfnL @,)),))) :gfts

Jofkf/÷Joj;fo

!@= lzj s'df/ >]i7

7]ufgf M kj{t–# ;+:yfks &! g]kfnL @,)),))) cfOP

klZdgf Joj;fo

!#= uf]s'n e08f/L

7]ufgf M e/tk'/–@, lrtjg ;+:yfks $# g]kfnL @,)),))) :gfts gf]s/L -g]kfn Uof;_

!$=

cfO{ Soflk6n

7]ufgf Msf=d=g=kf !, b/jf/

dfu{, sf7df8f}+

;+:yfks nfu'

gx'g]

nfu'

gx'g] @,)),))) nfu' gx'g] nfu' gx'g]

!%=

P=la= xf]lN8Ë k|f=ln=

7]ufgf M sf=d=g=kf–@$,

sf7df8f}+

;+:yfks nfu'

gx'g]

nfu'

gx'g] @,)),))) nfu' gx'g] nfu' gx'g]

10

!^= dx]Gb| s'df/ uf]on

7]ufgf M af}¢–^, sf7df8f}+ ;+:yfks %% g]kfnL !,%),))) :gfts yf]s Jokf/ Joj;fo

!&=

:j?k u'?Ë sf]g]

7]ufgf M sf=d=g=kf= $,

afn'jf6f/, sf7df8f}+ .

;+:yfks ^) g]kfnL !,%),))) :gfts cfls{6]Sr/ OlGhlgol/Ë

;+rfnsx?sf] ljj/0f

qm=;+= gfd, 7]ufgf kb pd]/

-jif{_ /fli6«otf

z]o/

:jfldTj

-lsQf_

z}lIfs

of]Uotf

cg'ej

-k"j{ / xfn sfo{/t_

Jofkf/

Joj;fo

!=

8f= cfTdf/fd

l3ld/]

em?jf/f;L,

nlntk'/ .

cWoIf ^# g]kfnL !,)),))) lkPr8L

k"j{ cWoIf – g]kfn OGe]i6;{ kmf]/d -@)&@–

@)&$_

,dxfk|aGws–8f6f l;i6d OG6/g]zgn -

O{=;+=!(*$–!((@_, k|aGw ;~rfns–

l;P;cfO{6L -CSIT_ k|f=nL, Joj:yfks

k/fdz{bftf o"Pgl8lk -UNDP_ g]kfn -

O{=;+=!(((–@)))_, sfo{sf/L ;~rfns–

/fli6«o ;"rgf k|ljlw s]Gb| -;~rf/ tyf

;"rgf k|ljlw dGqfno_ -O{=;+=@))@–@))#_,

;b:o ;lrj–pRr:t/Lo ;"rgf k|ljlw

cfof]u, g]kfn ;/sf/ -O{=;+=@))#–@))&_,

k|aGw

;~rfns–

lnj6L{

xfO8«f]kfj/

sDkgL ln=,

;~rfns–

cla{6 O{ghL{

sDkgL k|f=ln,

@=

>L ;'efif cdfTo

Odf8f]n–#,

nlntk'/

;~rfns $! g]kfnL !,)),))) :gftsf]Q/

sfo{sf/L cWoIf–l/e/kmN; kfj/ ln=

k|aGw lgb]{zs – k|e' x]lnsK6/ k|f=ln=

;~rfns – k|e' l8lh6n ln=

k"j{ ;~rfns – k|e' Soflk6n ln=

sfo{sf/L

cWoIf

;g\/fOh

xf]lN8Ë k|f=ln

;~rfns –

z'ed kfj/

lnld6]8,

=

#=

>L dlg/fd

kf]v/]n

-k|ltlglwM k|e' a}+s

ln= aa/dxn,

sf7df8f}+_

;~rfns %@ g]kfnL !),))) :gftsf]Q/

Gffoa k|d'v sfo{sf/L clws[t – k|e' a}+s ln=

a}+lsË If]qdf @( jif{eGbf al9sf] cg'ej

–

$=

>L /fd]Zj/

;fksf]6f

sf=d=g=kf=–!#,

tfxfrn sf7df8f}+

;~rfns $% g]kfnL !),))) :gftsf]Q/

dxfk|aGws – k|e' dgL 6fG;\km/

k"j{ ;~rfns – k|e' ljsf; a}+s ln=

k"j{ cWoIf – cfzf n3'ljQ ljQLo ;+:yf

lnld6]8

–

%=

>L g/]z axfb'/

dNn

sf=d=g=kf–@@,

u0fafxn,

sf7df8f}+ .

;~rfns ^$ g]kfnL !),))) :gftsf]Q/ lk|lG6Ë k|]; If]qdf lj=;= @)@* b]lv cfj4,

sfo{sf/L

;~rfns j]a

lk|G6;{\ k|f=ln=,

tfxfrn,

sf7df8f}+

^=

>L ck"j{ k|;fb

hf]zL - k|ltlglwM

;f+lu|nf

8]enkd]G6 a}+s

ln= afn'jf6f/–$,

sf7df8f}+ .

;~rfns $* g]kfnL :gfts

Gffoa dxfk|aGws– ;f+lu|nf 8]enkd]06 a}+s

ln=

a}+lsË If]qdf @% jif{eGbf al9sf] cg'ej

–

gf]6M sDkgL P]g, @)^# sf] bkmf *^ sf] pkbkmf -@_ adf]lhd k|To]s klAns sDkgLdf sDtLdf tLghgf / a9Ldf

P3f/hgf;Dd ;+rfns ePsf] ;+rfns ;ldlt /xg] Joj:yfsf] kfngf ePsf] tyf z]o/sf] ;fj{hlgs lgisf;g kZrft\

Pshgf dlxnf ;~rfnssf] Joj:yf ul/g] Joxf]/f hfgsf/L u/fO{G5 .

11

-v_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt

ljj/0f (Profile) / pQm sDkgL÷;+:yfsf ;+rfnsx?sf] gfd, 7]ufgf, -k|fs[lts AolQm gv'n];Dd_ M

l;=g+= z]o/jfnfsf] gfd,&]ufgf ;+rfnsx?sf] gfd sDkgLsf] ;+lIfKt ljj/)f

!= k|e' a}s ln=

7]ufgf M aa/dxn, sf7df08f}+

cWoIf, >L b]jL k|sfz e§rg, ;fg]kf, nlntk"/

;+rfns, >L k'ik axfb'/ k|wfg, emD;Lv]n, nlntk'/

;+rfns, >LdtL clDasf zdf{ nfld5fg], a;'Gwf/f-#, sf7df08f}

;+rfns, >L /d]z l;+x v8\sf, lab'/, g'jfsf]6

;+rfns, >L zÍ/ k|;fb sfnLsf]6f, zflGtgu/, sf7df8f}+

;+rfns, >LdtL c+h' clwsf/L, alQ;k'tnL, sf7df8f}+

;+rfns, >L Clif/fd uf}td, ;fdfv'zL, sf7df8f}+

a+}s tyf ljQLo ;+:yf P]g, @)&#

cGtu{t :yfkgf ePsf] / ;flas lsi6

a}+s lnld6]8, k|e' ljsf; a}+s lnld6]8,

uf}/Lz+s/ 8]enkd]06 a}+s lnld6]8 /

h]lgy kmfOgfG; lnld6]8 cfk;df

ufleP/ ldlt @)&! efb| #) ut]af6

k|e' a}+s lnld6]8sf] gfddf ljQLo

sf/f]jf/ ub}{ cfPsf] 5 . To; kZrft

g]kfn ljsf; a}s ln=nfO{ PlSjlh;g

ub}{ ;fljs u|f08 a}+s ln= nfO{ ldlt

@)&@ df3 !% ut] o; ;+:yfdf ufeL

xfn;Dddf @!! j6f Zffvf lj:tf/, $(

sfpG6/ sfof{no / !*( P=l6=Pd=

;+RffNfgdf NofO{ ljQLo sf/f]jf/ ub}{

cfPsf] 5 .

@=

;+flu|nf 8]enkd]G6 a}+s ln=

7]ufgf M sf=d=g=kf= $,

afn'jf6f/, sf7df8f}+

cWoIf, >L cRo't k|;fb k|;fO{, g]kfnu+h-@, afFs]

;+rfns, >L ;'lzn sfhL aflgof, w'Daf/fxL, sf7df8f}+

;+rfns, >L u+uf ;fu/ 9sfn, cfFwLvf]nf-^, :ofFUhf

;+rfns, >L g/]z dfg t'nfwf/, u0faxfn, sf7df8f}+

;+rfns, ;'>L ln;f z]/rg, 6f]vf-#, sf7df8f}+

;+rfns, >L /fh' gfy vgfn, u'0ffbL, tgxF"

;+flu|nf 8]enkd]G6 a}+s ln= a}+s tyf

ljQLo ;+:yf ;DaGwL P]g,@)&#

jdf]lhd :yflkt /fli6«o:t/sf] ÆvÆ

ju{sf] ljsf; a}+s xf] . jfu]Zj/L ljsf;

a}+s / ;+flu|nf 8]en]kd]G6 a}+s Ps

cfk;df ufleO{ ;flu|nf 8]en]kd]G6

ePsf] o; ;+:yfn] kl5 s;d;

8]en]kd]G6 a}+snfO{ ;d]t k|flKt u/]sf]

5 . xfn;Dddf (@ j6f Zffvf sfof{no

/ #) P=l6=Pd= ;+RffNfgdf NofO{ ljQLo

sf/f]jf/ ub}{ cfPsf] 5 .

#= g]kfn OGe]i6d]06 k|f=ln=

7]ufgf M ;fg]kf–@, nlntk'/

;~rfns, >L ;~ho ljqmd zfx, ;fg]kf, nlntk"/

sDkgL P]g @)^# jdf]lhd btf{ ePsf]

k|fOe]6 lnld6]8 sDkgL .

$= k|e' u|'k k|f=ln=

7]ufgfM sf7df8f}+ .

;~rfns, >L b]aL k|sfz e§rg, ;fg]kf nlntk"/



%= k|e' Dofg]hd]06 k|f=ln=

7]ufgf M u}x|Lwf/f, sf7df8f}+

cWoIf, >L s';'d nfdf, sf=d=g=kf= !, u}x|Lwf/f, sf7df8f}+



^= k|e' Soflk6n lnld6]8

7]ufgf M sdnfbL, sf7df8f}+ .

cWoIf >L Pn=lk=efg' zdf{ sf=d=g=kf= $, afn'jf6f/

;+rfns, >L e"lkGb| vqL, sf=d=g=kf= #$, zflGtgu/

;+rfns, >L ljsf; zdf{ u'/fufO{, tf/s]Zj/–^, sf7df8f}+

;+rfns, >L Hof]lt z]/rg, sfo{lagfos !*, nlntk'/

;+rfns, >L e/t l;+x yfkf, nlntk'/ d=g=kf= @#,

xfQLag

;+rfns, >L g/]zh+u yfkf, gfuf{h'g–,@, /fgLag, sf7df8f}+

k|aGw ;+rfns, >L lbg]z ysfnL, sf=d=g=kf= #, afF;jf/L

k|e' Soflk6n lnld6]8 -;flassf] u|f]df]/

dr]{G6 a}+s/ lnld6]8_ r'Qmf k'FhL

?=&,)),)),)))÷– ;lxt ldlt

@)^^÷)%÷!^ ut] sDkgL /lhi6«f/sf]

sfof{nodf btf{ eO{ ldlt

@)^&÷)%÷@$ b]lv g]kfn lwtf]kq

af]8{df cg'dlt k|fKt u/]sf] / ldlt

@)&$ ;fn h]i7 @) ut] ;DkGg ljz]if

;fwf/0f;efaf6 lgodgsf/L lgsfon]

u/]sf] Joj:yf cg';f/ r'Qmf k"FhL ?=

@! s/f]8 k'ofO{Psf] g]kfn /fi6« a}saf6

o; sDkgLnfO{ k|e' a}+s lnld6]8sf]

;xfos sDkgL agfpg :jLs[lt k|bfg

u/L k|e' Soflk6nsf] gfdaf6 sf/f]af/

ul//x]sf] .

&

;g/fO{h xf]lN8Ë k|f=ln=

7]ufgf M sf=d=g=kf= jf8{=g+=–@*,

sdnfbL, sf7df8f}+ .

sfof{sf/L cWoIf, >L ;'efif cdfTo, Odf8f]n–#, nlntk'/

;+rfns, >L z}nf >]i7, Odf8f]n–#, nlntk'/

nufgL ;DaGwL sDkgLsf] ?kdf sDkgL

P]g, @)^# jdf]lhd btf{ ePsf] k|fOe]6

lnld6]8 sDkgL .

* cfO{ Soflk6n

7]ufgf M sf=d=g=kf !, b/jf/

cWoIf, >L cho >]i7, sf=d=g=kf= @$, sf7df8f}+

;+rfns, >L dx]Gb| u'?Ë, kf]v/f d=g=kf @, sf:sL



12

dfu{, sf7df8f}+ lnld6]8 sDkgL .

(

P=la= xf]lN8Ë k|f=ln

7]ufgf M sf=d=g=kf–@$,

sf7df8f}+ .

sfof{sf/L cWoIf, >L z]/ axfb'/ a:g]t, kbdk'/-@, lrtjg

;+rfns, >L ;'o{ axfb'/ a:g]t, kbdk'/-@, lrtjg

;+rfns, >L cg'k s'df/ /f}lgof/, la/u+h-!^, >Lk'/



lnld6]8 sDkgL .

!)= k|e' OG:of]/]G; lnld6]8,

ltgs'g], sf7df8f}+ .

cWoIf, >L s';'d nfdf, sf=d=g=kf=!, u}x|Lwf/f, sf7df8f}+

;+rfns, >L /fh]Gb| dNn, 6f]vf-*, sf7df8f}+

;+rfns, >L s[i0f axfb'/ s'j/, sf=d=g=kf=!$, sn+sL

;+rfns, >L /]0f' k|;fb kf08], rGb|lu/L-!!, sf7df8f}+

;+rfns, >L ljho axfb'/ >]i7, led;]guf]nf, sf7df8f}+

;+rfns, >L /gs]ze k|wfg, sf=d=g=kf= @^, ;fdfv'zL

;+rfns, >L /fh uf]kfn /fhe08f/L, sf=d=g=kf=!, u}x|Lwf/f

k|e' u|'ksf] d'Vo nufgLdf :yflkt k|e'

OG:of]/]G; s+= ln= sDkgL P]g, @)^#

jdf]lhd :yflkt Ps klAns lnld6]8

sDkgL xf] / aLdf P]g, @)$( tyf

aLdf lgodfjnL, @)$( cGtu{t /xL

o; sDkgLn] ljut @% jif{b]lv

d'n'se/ lglh{jg aLdf ;]jf k|bfg ub}{

cfO{/x]sf] 5 .

!!= SoflK6e OGe]i6d]G6 k|f=ln=,

sf7df8f}+ .

;+rfns, >L /fhLj k|;fb Kofs'/]n

sf=d=g=kf= !^, afnfh', sf7df8f}+



lnld6]8 sDkgL .

!@= lu|g 8]en]kd]G6 a}+s lnld6]8,

kf]v/f, sf:sL .

cWoIf, u0f]z s'df/ >]i7, jfun'Ë g=kf= #, jfun'Ë

;+rns, s[i0f s'df/ >]i7, jfun'Ë g=kf= #, jfun'Ë

;+rfns, dgf]lj1fg >]i7, jfun'Ë g=kf= @, jfun'Ë

;+rfns, k|sfz s'df/ >]i7, x]6f}8f g=kf= @, dsjfgk'/

;+rfns, /fw]Zofd sdf/f], kf]v/f d=g=kf @, sf:sL

a}+s tyf ljQLo ;+:yf ;DaGwL P]g

@)&# jdf]lhd ævÆ ju{sf] ljsf;

a}+ssf] ?kdf afUn'Ë, DofUbL, sf:sL,

tgFx' / gjnk'/ u/L % lhNnfdf

sfo{If]q /x]sf] of] ljsf; a}+s sDkgL

P]g, @)^# jdf]lhd :yflkt Ps klAns

lnld6]8 sDkgL xf] .

-u_ ;+ul7t ;+:yfsf] ;+rfnsx? cGo s'g} sDkgL, ;+:yf, sf]if, ;+u7g;Fu cfa4 eP To:tf] ;+rfns / cfa4

ePsf] ;+:yfsf] gfd, 7]ufgf M

qm=;= ;+rfnssf] gfd, 7]ufgf cfa4 /x]sf] ;+:yfsf] gfd, 7]ufgf

!= 8f= cfTdf/fd l3ld/],

k|aGw ;~rfns– lnj6L{ xfO8«f]kfj/ sDkgL ln=,

;~rfns – cla{6 O{ghL{ sDkgL k|f=ln,

k"j{ cWoIf – g]kfn OGe]i6;{ kmf]/d -@)&@–@)&$_

dxfk|aGws – 8f6f l;i6d OG6/g]zgn -O{=;+=!(*$–!((@_,

k|aGw ;~rfns – l;P;cfO{6L -CSIT_ k|f=nL,

@= >L ;'efif cdfTo,

sfo{sf/L cWoIf–l/e/kmN; kfj/ ln=

k|aGw lgb]{zs – k|e' x]lnsK6/ k|f=ln=

;~rfns – k|e' l8lh6n ln=

k"j{ ;~rfns – k|e' Soflk6n ln=

#= >L dlg/fd kf]v/]n, Gffoa k|d'v sfo{sf/L clws[t – k|e' a}+s lnld6]8, aa/dxn, sf7df8f}+

$= >L /fd]Zj/ ;fksf]6f,

dxfk|aGws – k|e' dgL 6fG;\km/,

k"j{ ;~rfns – k|e' ljsf; a}+s ln=,

k"j{ cWoIf – cfzf n3'ljQ ljQLo ;+:yf lnld6]8, g'jfsf]6 %= >L g/]z axfb'/ dNn, sfo{sf/L ;~rfns – j]a lk|G6;{\ k|f=ln=, tfxfrn, sf7df8f}+ ^= >L ck"j{ k|;fb hf]zL gfoa dxfk|aGws–;f+lu|nf 8]enkd]G6 a}+s ln

gf]6M ;"lrs[t ;Ël7t ;+:yfx?sf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf, @)&$ df ;+rfnsx? ;DaGwL Joj:yfx?sf] kfngf tyf

sDkgL P]g, @)^# sf] bkmf *( sf] pkbkmf -!_5 sf] kfngf ePsf] Joxf]/f hfgsf/L u/fO{G5 .

-3_ ;+:yfks÷;+rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M

-s_ ;DalGwt lgsfosf] k"j{ :jLs[lt glnO{ sDkgLsf] z]o/ s'g} ljb]zL jf ;+:yfnfO{ laqmL jf

x:tfGt/0f ul/g] 5}g .

-v_ k|rlnt sfg'gsf] cwLgdf /xL ;+:yfksx?n] cfˆgf] gfddf /x]sf] z]o/ laqmL ug{ ;Sg]5g\ .

-u_ sDkgLsf] k|yd ;fwf/0f ;ef geP ;Dd / ;+:yfksf] gfddf hf/L ePsf] z]o/sf] dfu /sd -Call

money_ k"0f{ ?kdf / e'QmfgL geP;Dd ;f] z]o/ ljqmL jf x:tfGt/0f ul/g] 5}g .

-3_ sDkgLn] cfˆgf] z]o/ cfkm}n] vl/b ubf{ sDkgL P]g, @)^# tyf cGo k|rlnt sfg'gsf] cwLgdf

/xL ug'{ kg]{5 .

-ª_ sDkgLsf ;~rfns, sfo{sf/L k|d'v, n]vfk/LIfs, ;lrj jf sDkgLsf] Joj:yfkg tyf n]vf

;DaGwL sfo{df k|ToIf ?kn] ;+nUg JolQmn] To:tf] kbdf jxfn /xbfsf] avt jf To:tf] kbaf6

13

cjsfz k|fKt u/]sf] Ps jif{;Dd sDkgL jf To;sf] ;xfos sDkgLsf] z]o/ cfˆgf] jf cfˆgf]

kl/jf/sf] lgoGq0fdf /x]sf] kmd{, sDkgL jf ;+:yfsf] gfddf vl/b ljqmL ug{, u/fpg, ug{ lbg,

lwtf]aGws /fVg nufpg jf bfg js; lng, lbg jf n]g b]g ug{ x'b}g .

-r_ s;}n] v08 -ª_ sf] ljkl/t sfd u/]df k|rlnt sfg'g cg';f/ sf/afxL x'g]5 .

-5_ z]o/ vl/b jf x:tfGt/0f ug{ aGb]h ;DaGwL cGo Joj:yf sDkgL P]g, @)^#, lwtf]kq sf/f]jf/

;DaGwL sfg'g / cGo k|rlnt sfg'gdf pNn]v eP adf]lhd x'g]5 .

;j{;fwf/0f z]o/wgL ;d"x afx]s cGo ;d"x -;+:yfks / cGo ;d"x_ n] lnPsf] z]o/ ;+ul7t ;+:yfn]

;fj{hlgs lgisf;g u/]sf] z]o/ afF8kmfF8 ePsf] ldltn] tLg jif{sf] cjlw k"/f geO{ laqmL ug{ kfO{g]

5}g .

aLdssf] ;+:yfks z]o/ sf/f]jf/ -vl/b laqmL_ ug]{ ;DaGwdf aLdf ;ldltsf] lgb]{zg cg';f/

sDkglsf ;+:yfks ;d"xsf z]o/wgLn] aLds btf{ k|df0fkq k|fKt ePsf] ldlt cyf{t\ @)&$÷)%÷)&

af6 sDtLdf kfFr -%_ jif{;Dd To:tf] z]o/ laqmL ug{, lwtf]jGws /fvL C0f lng jf gfd;f/L ug{

u/fpg gkfpg Joj:yf /x]sf] / ;j{;fwf/0f z]o/wgL ;d"x afx]s cGo ;d"x -;+:yfks / cGo ;d"x_

n] lnPsf] z]o/ ;+ul7t ;+:yfn] ;fj{hlgs lgisf;g u/]sf] z]o/ afF8kmfF8 ePsf] ldltn] tLg jif{sf]

cjlw k"/f geO{ laqmL ug{ gkfO{g] ljBdfg Joj:yfx? dWo] kl5 cfpg] ldlt cyf{t\ ;fj{hlgs

lgisf;g u/]sf] z]o/ afF8kmfF8 ePsf] ldltn] tLg jif{sf] cjlw k"/f geO{ laqmL ug{ kfO{g] 5}g .

u=%=v= ;+:yfks÷;+rfns;Fusf] sf/f]af/ M

-s_ ;+ul7t ;+:yfaf6 s'g} ;+:yfks÷;+rfnsn] k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf

u}/–cfly{s_ k|fKt u/]sf] jf k|fKt ug]{ ePdf To:tf] j:t' jf ;'ljwfsf] k|s[lt / d'No / To:tf] ;'ljwf

lbP afkt ;+ul7t ;+:yfn] s'g} ;DklQ, ;]jf k|fKt u/]sf] jf ug]{ ePdf tT;DaGwL ljj/0f M

aLdf sDkgLsf] ;~rfnsx?n] ;~rfns ;ldltsf] a}7s eQf afx]s cGo s'g}klg ;+:yfks jf

;~rfnsn] o; ;+:yfaf6 k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/ cfly{s_ k|fKt

u/]sf 5}gg\ / ;f] ;DaGwdf ;+:yfn] ;+:yfks jf ;~rfnsaf6 s'g} ;DklQ jf ;]jf ;d]t k|fKt u/]sf]

5}g .+

-v_ a'Fbf -s_ df pNn]lvt a:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M ;f] gePsf] .

u=^= ;Lldt bfloTj ;DaGwL ljj/0f M

o; sDkgL k|rlnt sDkgL sfg"g cGtu{t :yflkt tyf ;~rflnt klAns lnld6]8 sDkgL xf] . o;df

z]o/wgLx?sf] bfloTj ;Lldt 5 . o; sDkgLsf] z]o/wgLsf] bfloTj lghn] vl/b u/]sf] jf vl/b ug{ saf]n

u/]sf] z]o/sf] clwstd /sd;Dd dfq ;Lldt /xg]5 .

u=&= ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL hfgsf/L M

u=&=s= ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f M

-s_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn]

u/]sf] sfdsf] cg'ej tyf ;+ul7t ;+:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy}

To:tf] sd{rf/Lx? cGo s'g} ;"lrs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL eP jf cGo s'g} ;+ul7t

;+:yfdf nufgL u/]sf] eP pQm ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] /sd v'nfpg' kg]{ .

qm=;+= sd{rf/Lsf] gfd kb of]Uotf lgo'lQm ldlt sfof{g'ej z]o/

;+Vof

!= >L Gff/fo0f k|;fb

kf}8]n

k|d'v sfo{sf/L

clws[t

Pd= lj=P= -

a]nfot_

Pd= lj=P, -lq=lj=_

Pd= P= -lq=lj=_

2076/04/01 g]kfn /fi6« a}+sdf #)

aif{sf] cg'ej . -

@= >L lszf]/ k|;fb

nfld5fg]

Gffoj k|d'v

sfo{sf/L

clws[t

la=sd= 2074/04/01 g]kfn nfOkm, k|fOd nfOkm

/ k|e' nfOkmdf u/L !(

jif{sf] hLjg aLdf

-

14

Joj;fo ;DaGwL cg'ej .

#= >L Gfdz l;+x b]phf

k|d'v ;~rfng

clws[t tyf

dfgj ;+zfwg

Pd=lk=P= 2074/05/01

k|fOd nfOkm / k|e'

nfOkmdf u/L !) jif{sf]

hLjg aLdf Joj;fo

;DaGwL cg'ej .

-

$= >L k|of; >]i7 k|d'v ahf/

clws[t Pd=lj=P= 2074/05/01

:6f088{ rf6{8{ a}s

g]kfndf ^ jif{sf] a}lsu

tyf k|fOd nfOkm / k|e'

nfOkmdf u/L & jif{sf]

hLjg aLdf Joj;fo

;DaGwL cg'ej .

-

% >L k|eft l;jfsf]6L k|d'v Ph]G;L

tyf k'gaL{df

Pd=lj=P=

2074/05/01

d]6 nfOkm, Plzog nfO{km,

k|fOd nfOkm / k|e'

nfOkmdf u/L !$ jif{sf]

hLjg aLdf Joj;fo

;DaGwL cg'ej .

-

^ >L Nf]vgfy uf}td k|d'v ljQ

clws[t

la=la=P;=

÷CA 2074/09/28

TR Upadhyaya and Co.

df % jif{sf] n]vfk/LIf0f,

d'lStgfy ljsf; a}+s /

lqj]0fL ljsf; a}+sdf $

aif{sf] a}lsu cg'ej . k|e'

nfOkmdf u/L # jif{sf]

hLjg aLdf Joj;fo

;DaGwL cg'ej .

-

* >LdtL ?hL >]i7 k|d'v

c08//fOl6Ë Pd=lj=P= 2074/09/23

Eff/tsf] cljef / DofS;

nfO{km tyf g]kfnsf] k|e'

nfOkmdf u/L * jif{sf]

hLjg aLdf Joj;fo

;DaGwL cg'ej .

-

( >L /fh' l3ld/] k|d'v ;"rgf

k|ljlw Pd=cfO{=6L 2076/01/02

g]kfn sGHo'd/ 8]enkd]06

a}s ln= @ jif{sf] a}lsu,

UNMISS df ^ jif{,

Unf]an cfOPdO a}+s ln=

df ! jif{ / k|e' nfOkmdf

! jif{sf] sfof{g'ej .

-

!) >L of]u]Gb| k|;fb

vltj8f

k|d'v tflnd

tyf ljsf;

Pd=lk=P

2074/08/10

k|fOd nfOkm, g]zgn

nfOkm, / k|e' nfOkmdf u/L

!! jif{sf] hLjg aLdf

Joj;fo ;DaGwL cg'ej .

-

gf]6 M pNn]lvt sd{rf/Lx? cGo s'g} ;"lrs[t ;+ul7t ;+:yfsf] cfwf/e't z]o/wgL g/x]sf] tyf cGo ;+:yfdf nufgL g/x]sf] .

-v_ ljj/0fkq af]8{df k|:t't ug{' eGbf ! aif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] cj:yf afx]s

;+ul7t ;+:yfsf] pRr Joj:yfksLo txdf /x]sf s'g} sd{rf/L kl/jt{g ePdf ;f] ;DaGwL ljj/0f pNn]v ug'{ kg]{

M gePsf] .

15

-u_ sd{rf/L ;+Vof M @%* ldlt M @)&& c;f/ d;fGt

:yfoL k/LIf0fsfn s/f/ cGo s'n sd{rf/L ;+Vof

!^& %% #^ – @%*

u=&=v= ;+rfns Pjd\ pRr Aoa:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0f M

-s_ ;+rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf

lghx?nfO{ k|bfg ul/g] jf ul/Psf] b}lgs tyf e|d0f eQf tyf cGo ;'ljwf M

ldlt @)&%÷)@÷!) df a;]sf] sDkgLsf] k|yd jflif{s ;fwf/0f ;efaf6 lg0f{o eO{ sDkgLsf]

lgodfjnLsf] Joj:yf adf]lhd ;+rfnsx?sf] eQf tyf cGo ;'ljwf M

!= b}lgs sfo{ ;+rfngdf sfo{sf/L k|d'vsf] x}l;otn] k|ToIf ?kdf ;~rfnsn] dfq ;ldltn]

lgwf{/0f u/] adf]lhd sf] dfl;s kfl/>lds tyf ;'ljwf kfpg]5 .

@= ;~rfns ;ldltsf] j}7s tyf ljleGg ;ldlt÷pk ;ldltsf] a}7sdf pkl:yt eP jfkt

cWoIfn] ?= &,))).– / ;+rfnsx?n] ?= %,))).– j}7s eQf jfkt kfpg] 5g\ .

#= ;fwf/0f ;efn] ;~rfnsx?nfO{ k|f]T;fxg lbg v'b d'gfkmfsf] lglZrt k|ltztdf gj9g] u/L

k'/:sf/sf] Joj:yf ug{ Joj:yf ug{ ;Sg]5 .

$= sDkgLsf] sfdsf] l;nl;nfdf ;~rfnsnfO{ k|bfg ul/g] b}lgs e|d0f eQf b]xfo adf]lhd x'g]5M

c_ b}lgs eQf M sDkgLsf] sfdsf] l;nl;nfdf sDkgLsf] ;~rfns sDkgLsf] /lhi68{ sfof{no

/x]sf] :yfg aflx/ hfg' k/]df ;~rfnsn] b]xfo adf]lhdsf] eQf kfpg]5g .

s_ g]kfnleq ?= @,%)).– k|ltlbg,

v_ ef/tdf ef=?= %,))).– k|ltlbg,

u_ cGo ;fs{ d'n'sdf cd]l/sg 8n/ *%.– k|ltlbg,

3_ cGo Pl;ofln d'n'sdf cd]l/sg 8n/ !@%.– k|ltlbg,

ª_ cGo d'n'sdf cd]l/sg 8n/ !%).–

cf_ e|d0f eQf M sDkgLsf] sfdsf] l;nl;nfdf ;~rfnsn] kfpg] oftfoft, xf]6n, vfhf vr{,

nufotsf e|d0f;+u ;DalGwt cGo ;'ljwfx? sDkgLsf] cfly{s k|zf;g ljlgodfjnLdf pNn]v

ePadf]lhd x'g]5 .

%= cGo ;'lawf ;fwf/0f ;efn] ;do–;dodf lgwf{/0f u/] adf]lhd x'g]5 .

^= o; sDkgLsf cWoIf / ;+rfnsx?nfO{ 6]lnkmf]g, OG6/g]6 tyf kq klqsf afkt k|lt dlxgf ?=

*,))).– pknAw u/fOPsf]] 5 .

-v_ ;+ul7t ;+:yfsf] pRr Joj:yfklso txsf tLg hgf clws[tx?sf] gfd / kb / Ps cfly{s aif{sf]

cjlw leq pgLx?nfO{ kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd M

sDkgLaf6 hf/L ldlt @)&$÷)$÷)! sf] lgo'lQm kq, ;+rfns ;ldltsf] ldlt @)&$÷)$÷!! a}7s

g+= @ sf] lg0f{o Pjd\ ldlt @)&$÷)#÷!( a}7s g+= $( sf] lg0f{o adf]lhd pRr Joj:yfklso

txsf b]xfo adf]lhdsf tLg hgf clws[tx?nfO{ Ps cfly{s aif{sf] cjlwleq pgLx?nfO{

kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd lgDgfg';f/ /x]sf] 5 .

qm=;+= sd{rf/Lsf] gfd kb

Ps cfly{s aif{sf]

cjlw eq

kfl/>ldssf] ?kdf

e'Qmfg ul/Psf] /sd

cjlw

!= >L Gff/fo0f k|;fb kf}8]n k|d'v sfo{sf/L clws[t 4,410,887/- cf=j= @)&^÷&&

@= >L lszf]/ k|;fb nfld5fg] Gff= k|d'v sfo{sf/L clws[t 3,619,036/- cf=j= @)&^÷&&

#= >L Gfdz l;+x b]phf k|d'v ;~rfng clws[t 2,474,041/- cf=j= @)&^÷&&

-u_ s'g} clws[t jf ;+rfnsnfO{ eljiosf] nflu s'g} /sd k|bfg ul/g] u/L s/f/ ul/Psf] eP ;f] ;DaGwL

ljj/0f M gul/Psf] .

u=*= cGtlg{lxt hf]vLd tyf ;f] df Joj:yfkgsf] nflu Joj:yfkgsf] wf/0ff M

16

;+ul7t ;+:yfn] axg u/]sf] jf ug]{ hf]lvd :ki6 ?kdf pNn]v ug'{ kg]{ . o; ;Gbe{df hf]lvdx?nfO{ ;+ul7t

;+:yfsf] cfGtl/s jf Joj;fo÷cfof]hgf;Fu k|ToIf cyjf ;+ul7t ;+:yfsf] lgoGq0f eGbf aflx/sf] egL

juL{{s/0f u/L k|d'v ?kdf b]xfosf] hf]lvdsf] ljZn]if0f ug'{kg]{ .

-s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvd M ljQLo >f]tsf] cefjjf6 nufgLsf] bfo/f ;+s'lrt x'g;Sg]

hf]lvd /x]sf] .

-v_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd M;f] gePsf] .

-u_ pTkfbg jf ;]jfsf] ahf/sf] l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvd M

!= b]zsf] cfly{s cj:yfdf cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx? .

@= k'gaL{{df sDkgLsf] sDkgL÷g]kfnsf] aLdf ahf/ k|ltsf] ljZn]if0fdf x'g] hf]lvd .

-3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clea[l4 (Cost Overrun) sf]

hf]lvd

nfu' gx'g] .

-ª_ ljb]zL ljlgdosf] hf]lvd M

b]zsf] a}b]lzs Jofkf/ gLltdf x'g ;Sg] kl/jt{g tyf ljb]zL d'b|fsf] ljlgdo b/df 36\a9 eO{ pTkGg

x'g ;Sg] ;Defljt hf]lvdx? .

-r_ sfg"gL k|lqmofx? tyf O{hfht k|fKt ug'{kg]{ eP ;f]af6 kg{ ;Sg] cj/f]wx? M ;f] gePsf] .

-5_ If]qLos/0f / ljZjJofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M

cGt/fl{i6«o ahf/df x'g] dGbLaf6 g]kfnL ahf/df kg{;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? .

-h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjJofkL ?kdf x'g] gLltut kl/jt{gaf6 pTkGg

x'g] hf]lvd M

g]kfn ;/sf/ tyf aLdf ;ldltsf] gLlt lgoddf x'g] kl/jt{gaf6 l;h{gf x'g ;Sg] hf]lvdx? .

-em_ ;~rfng Oltxf;sf] cefj M

o; aLdf sDkgLn] cfˆgf] sf/f]jf/ @)&$÷)*÷@* ut]b]lv dfq ;~rfng u/]sf] x'Fbf aLdfsf]

sf/f]jf/ ;~rfngsf] Oltxf; 5f]6f] /x]sf] 5 .

-`_ k|ljlwsf] kl/jt{gaf6 x'g] ;Sg] hf]lvd M

k|ljlw ;DaGwL kl/jt{gaf6 sDkgLsf] ;~rfng tyf sf/f]jf/ k|0ffnLdf ck|Tofl;t hf]lvd /xg'

:jefljs g} xf] . sDkgLn]] k|of]u ug]{ ;ˆ6j]o/df k|ljlwsf] kl/jt{gaf6 cfpg ;Sg] hf]lvd

Joj:yfkgsf nflu tYofÍx?sf] ;'/Iffy{ Data Backup df ljz]if ;ts{tf ckgfO{Psf] 5 / To;af6

hf]lvdnfO{ Go"gLs/0f ug{ sDkgL ;Ifd /x]sf] 5 .

-6_ cGo M

b]zsf] /fhg}lts cl:y/tfaf6 cfpg ;Sg] hf]lvdx? .

b]zsf] cfly{s cj:yfdf cfpg] ptf/–r9fjaf6 x'g;Sg] hf]lvdx? .

sf]le8–!( dxfdf/Lsf] k|lts'n cj:yfsf sf/0f pTkGg x'g ;Sg] ;+efljt hf]lvd .

pk/f]Qmfg';f/sf] hf]lvdx?nfO{ Go"g jf Joj:yfkg ug]{ ;DaGwdf Joj:yfkgsf] of]hgf M

ljQLo ;fwgsf] ;d'lrt Joj:yfkgsf nflu ;DklQ–bfloTj Joj:yfkg ljz]if Wofg lbO{ clws

k|ltkmnhGo ljQLo pks/0fx?sf] klxrfgsf nflu nufgL pk;ldltsf] e"ldsf lj:tfl/t ug]{ .

lglZrt xb eGbf dflysf] aLdf+s /sd :jb]zL tyf ljb]zL k'gaL{df sDkgLx?;+u k'gaL{df u/L

aLdf Joj;fodf cGtlg{lxt hf]lvdsf] Joj:yfkg ug]{ .

u|fxs klxrfg ;DaGwL Joj:yfnfO{ yk k|efjsf/L agfp+b} ;DklQ z'4Ls/0f tyf cft+sjfbL

s[ofsnfkdf ljQLo nufgL lgjf/0f ;DaGwL lgb]{zgsf] k"0f{ kl/kfngf u/L o; ;DaGwL hf]lvdsf]

Joj:yfkg ug]{ .

aLdf ;ldltåf/f hf/L nufgL lgb]{lzsf, ;+:yfut ;'zf;g, ;DklQ z'4Ls/0f tyf cft+sjfbL

s[ofsnfkdf ljQLo nufgL lgjf/0f ;DaGwL lgb]{zgx?sf] k"0f{ kl/kfngf u/L cGtlg{lxt hf]lvd

klxrfg u/L ;f]sf] Joj:yfkg ug]{ .

aLdssf] ;"rgf k|ljlw ;DaGwL dfu{bz{g tyf hf]lvd Joj:yfkg dfu{bz{g cg'?k sDkgLsf]

;"rgf k|ljlw k|0ffnLnfO{ r':t / cBfjlws agfO{ /fVg] .

cfGtl/s lgoGq0f k|0ffnLnfO{ k|efjsf/L agfO{ k|efjsf/L n]vf k/LIf0fsf] dfWodaf6 ;+:yfut

;'zf;gsf dfGotfx? ;'lglZrt ug]{ .

17

sf]le8–!(, /fli6«o tyf cGt/f{li6«o cfly{s kl/b[Zo nufotsf sf/0f pTkGg ;d–;fdlos

k|s[ltsf ;+rfng hf]lvdsf] klxrfg u/L ;+rfng ;Ifdtfsf nflu pko'Qm Joj;flos /0fgLlt

cg'z/0f ug]{ .

sDkgLsf] ;du| hf]lvd Joj:yfkgsf nflu hf]lvd klxrfg, dfkg, cg'udg tyf Joj:yfkgsf

nflu hf]lvd Joj:yfkg ;DaGwL pk;ldltsf] e"ldsfnfO{ yk s[ofzLn / k|efjsf/L agfpg] .

lwtf]kqsf]] d"No kl/jt{g ;DaGwL hf]lvd M

?= !)) k|lt z]o/sf] b/n] lgisfzg ul/Psf] d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]jf/n] z]o/

d"Nodf x'g ;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .

u=(= ljQLo ljj/0f M

u=(=s= ljQLo ljj/0f / tT;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f M

-s_ ;+ul7t ;+:yfsf] n]vfk/LIf0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf–gf]S;fg lx;fa, gfkmf–

gf]S;fg lx;fa afF8kmfF6, gub–k|jfx ljj/0f M

o; sDkgLsf] cf=j= @)&%÷&^ sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf—gf]S;fg lx;fa, gfkmf—

gf]S;fg afF8kmfF8 lx;fa / gub k\jfx ljj/0fsf]] oyfy{ ¿k/]vf o; k|sf/ 5 M

jf;nft -cf=j=@)&%÷&^ cfiff9 d;fGt_

ljj/0f /sd ?=

;DklQ

;DklQ, d]l;g / pks/0f 81,396,400 cb[io ;DklQ 2,244,850 :yug s/ ;DkQL 35,039,471 ljlQo ;DklQ

OCI dfkm{t ljlQo ;DklQ 90,485,978 gfkmf gf]S;fg lx;faaf6 ljlQo ;DklQ 1,595,468,000 kl/zf]wg nfutdf shf{ 459,105 aLdf jfkt lng afFsL 5,160,000 cGo ljlQo ;DklQ 10,644,668 cGo ;DklQ 3,263,815 rfn' s/ ;DkQL 41,111,235 gub / gub ;dfg 122,635,335 s'n ;DklQ 1,987,908,857 z]o/wgLsf] sf]if

z]o/ k"FhL 1,400,000,000 z]o/ lk|ldod

dxf ljkQL hu]8f 9,065,938 ;l~rt cfo 115,989,010 cGo hu]8f 8,821,999

s'n z]o/wgLsf] sf]if 1,533,876,949 bfloTj

:yug s/ bfloTj - aLdf s/f/ bfloTj 352,521,549 ;fk6L - sd{rf/Lsf] kl/eflift nfe bfloTj 8,611,844 aLdf aGt{ut e'QmfgL lbg'kg{]

cGo ljlQo bfloTj 58,386,223 rfn' s/ bfloTj - Joj:yfx? - cGo bfloTj 34,512,292

18

s'n bfloTj 454,031,908 s'n bfloTj / z]o/wgLsf] sf]if 1,987,908,857

cf=j=@)&%÷&^ sf] c;f/ #! ut];Ddsf] gfkmf gf]S;fg lx;fa

ljj/0f /sd ?=

s'n k|Lldod 473,850,998 hf]lvd x:tfGt/0f k|Lldod (17,940,182) v'b k|Lldod 455,910,816 Zf'Ns tyf sld;g cfDbfgL - nufgL cfDbfgL 159,613,882 v'b k|fKt gfkmf tyf gf]S;fg (Net realised gains

and losses) -

Fair Value kl/jt{gaf6 ePsf] gfkm tyf gf]S;fg - cGo cfDbfgL 4,044,128 cGo cfo 163,658,010 s'n cfo 619,568,826 s'n bfjL /sd e'QmfgL 7,105,406 s"n bfjL e"QmfgLdf k"gaL{dssf] lx:;f (5,160,000) v"b bfjL e"QmfgL 1,945,406 aLdfsf] s/f/ bfloTjdf kl/jt{g 265,970,463 ljQ nfut cGo ;~rfng tyf k|zf;g vr{ 305,731,806 cGo vr{ 571,702,269 s'n bfaL e'QmfgL / cGo vr{ 573,647,675 s/ cl3sf] gfkmf 45,921,151 s/ vr{ (35,753,367) v'b gfkmf o; jif{sf] 81,674,518

cf=j=@)&%÷&^ sf] cfiff9 d;fGtsf] gub k|jfxsf] ljj/0f

ljj/0f /sd ?=

sf/f]af/ ;+rfngaf6 gub k|jfx

s/ cl3sf] v'b k|fKt gfkmf tyf gf]S;fg 45,921,151 ;dfof]hg

x|f;s§L 17,048,935 Impairment loss on Financial Assets

l:y/ ;DklQsf] ckn]vg

Fair Value kl/jt{gaf6 ePsf] gfkmf tyf gf]S;fg

nufgLdf cfDbfgL (163,658,010) l:y/ ;DklQ las|Laf6 ePsf] gfkmf tyf gf]S;fg (60,000) aLdfsf] s/f/ bfloTjsf] kl/jt{g 265,970,463 sd{rf/L af]g; Joj:yf 5,102,350 Lease Eqaulization

k]G;g tyf pkbfg Joj:yf 3,675,100 ljbf jfkt Joj:yf 3,360,587 lng'kg]{ lbg'kg]{ cl3sf] sf/f]af/ ;+rfngaf6 ePsf] gfkmf

lng'kg]{ lbg'kg]{df ePsf] kl/jt{g (11,674,310) shf{ tyf cu|Ld e'QmfgL ePsf] kl/jt{g (459,105) k"gaL{df tyf lbg'kg{] e'QmfgL ePsf] kl/jt{g 36,502,099 cGo Joj:yfdf ePsf] kl/jt{g 10,659,137 casf; k|fKt sd{rf/LnfO{ e'QmfgL (493,869) sf/f]af/ ;+rfngaf6 gub k|jfx

cfos/ e'QmfgL (24,030,620)

19

sf/f]af/ ;+rfngaf6 v"b gub k|jfx -s_ 187,863,908 l:y/ ;DklQdf -j[l4_÷sdL (25,859,185) l:y/ ;DklQdf -j[l4_÷sdL cb[io ;DklQ - ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6Ldf nufgLdf -

j[l4_÷sdL

a}+s tyf ljQLo ;+:yfsf] d"2tL lgIf]k nufgLdf -j[l4_÷sdL (245,468,000) a}+s tyf ljQLo ;+:yfsf] cGo lgIf]k nufgLdf -j[l4_÷sdL

OSo"6L z]o/ nufgLdf -j[l4_÷sdL (13,659,819) cu|flwsf/ z]o/÷l8j]Gr/df nufgLdf -j[l4_÷sdL - cGo nufgLdf -j[l4_÷sdL 1,740,000 aLdfn]vsf] lwtf]df shf{df -j[l4_÷sdL

e"QmfgL k|fKt Aofh cfDbfgL -nufgLdf_ 160,050,747 e"QmfgL k|fKt l8le8]G8 - Eff8f cfDbfgL - e"QmfgL k|fKt Aofh cfDbfgL -shf{df_ - nufgL ultljwLaf6 v"b gub k|jfx -v_ (123,196,257) ljQLo >f]t sf/f]af/af6 gub k|jfx

Jofh vr{ - nfef+z e'QmfgL - OSo"6Ldf kl/jt{g - ljQLo >f]t sf/f]af/af6 v"b gub k|jfx -u_ - Gfub / a}+s df}Hbftsf] ljlgdo b/df kl/j{tg -3_ - gub / gub ;dfgdf v"b j[l4÷-sdL_ -ª_ 64,667,651 gub / gub ;dfg z'?sf] df}Hbft 57,967,685 gub / gub ;dfg clGtd df}Hbft 122,635,335

-v_ ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt e}g;s]sf]

cj:yfdf ;+rfng cjlwe/sf] n]vfk/LIf0f ePsf] gfkmf gf]S;fg, jf;nft ;lxtsf] ;+lIfKt ljQLo

ljj/0f -;xfos sDkgL eP ;dli6s[t ?kdf_ M

jf;nft

ljj/0f jf;nft

cf=j @)&#÷&$ cf=j @)&$÷&% cf=j @)&%÷&^

;DklQ

;DklQ, d]l;g / pks/0f

73,703,336 81,396,400

cb[io ;DklQ

2,807,664 2,244,850

:yug s/ ;DkQL

35,039,471

ljlQo ;DklQ

OCI dfkm{t ljlQo ;DklQ

74,272,094 90,485,978 gfkmf gf]S;fg lx;faaf6 ljlQo ;DklQ 420,000,000 1,350,000,000 1,595,468,000 kl/zf]wg nfutdf shf{

459,105

aLdf jfkt lng afFsL

5,160,000

cGo ljlQo ;DklQ

1,954,729 10,644,668

cGo ;DklQ 1,854,687 1,832,181 3,263,815 rfn' s/ ;DkQL (64,221) 17,080,615 41,111,235 gub / gub ;dfg 29,218,725 57,967,685 122,635,335 s'n ;DklQ 451,009,191 1,579,618,305 1,987,908,857 z]o/wgLsf] sf]if

z]o/ k"FhL 448,876,500 1,400,000,000 1,400,000,000 z]o/ lk|ldod

20

dxf ljkQL hu]8f

4,310,681 9,065,938

;l~rt cfo 273,615 39,069,751 115,989,012

cGo hu]8f

6,906,450 8,821,999

s'n z]o/wgLsf] sf]if 449,150,115 1,450,286,882 1,533,876,949 bfloTj

:yug s/ bfloTj

75,380 -

aLdf s/f/ bfloTj

86,551,087 352,521,549

;fk6L

-

sd{rf/Lsf] kl/eflift nfe bfloTj

2,070,026 8,611,844

aLdf aGt{ut e'QmfgL lbg'kg{]

cGo ljlQo bfloTj 1,859,076 21,884,126 58,386,225 rfn' s/ bfloTj

-

Joj:yfx?

-

cGo bfloTj

18,750,805 34,512,292

s'n bfloTj 1,859,076 129,331,423 454,031,908 s'n bfloTj / z]o/wgLsf] sf]if 451,009,191 1,579,618,305 1,987,908,857

gfkmf– gf]S;fg lx;fa

ljj/0f Jff:tljs

cf=j @)&#÷&$ cf=j @)&$÷&% cf=j @)&%÷&^

s'n k|Lldod 114,383,642 473,850,998

hf]lvd x:tfGt/0f k|Lldod (2,441,359) (17,940,182)

v'b k|Lldod - 111,942,283 455,910,816 Zf'Ns tyf sld;g cfDbfgL

- nufgL cfDbfgL 2,587,401 138,831,568 159,613,882 v'b k|fKt gfkmf tyf gf]S;fg (Net realised gains

and losses) -

Fair Value kl/jt{gaf6 ePsf] gfkmf tyf gf]S;fg -

cGo cfDbfgL 6,557,692 4,044,128

cGo cfo 2,587,401 145,389,260 163,658,010 s'n cfo 2,587,401 257,331,543 619,568,826 s'n bfjL /sd e'QmfgL

7,105,406 s"n bfjL e"QmfgLdf k"gaL{dssf] lx:;f

(5,160,000) v"b bfjL e"QmfgL - - 1,945,406 aLdfsf] s/f/ bfloTjdf kl/jt{g

86,551,087 265,970,463 ljQ nfut cGo ;~rfng tyf k|zf;g vr{ 812,879 108,722,767 305,731,806 cGo vr{ 812,879 195,273,853 571,702,269 s'n bfaL e'QmfgL / cGo vr{ 812,879 195,273,853 573,647,675 s/ cl3sf] gfkmf 1,774,522 62,057,690 45,921,151 s/ vr{ 452,331 9,605,542 (35,753,367) v'b gfkmf o; jif{sf] 1,322,191 52,452,148 81,674,518

Other Comprehensive Income

ljj/0f jf;nft

cf=j @)&#÷&$ cf=j @)&$÷&% cf=j @)&%÷&^

v'b gfkmf o; jif{sf] 1,322,191 52,452,148 81,674,518 Other Comprehensive Income

gfkmf gf]S;fg lx;fadf k'g aul{s/0f gx'g] ljlQo ;DklQdf Fair Value kl/jt{gaf6 ePsf] - (3,251,840) (697,775)

21

gfkmf tyf gf]S;fg

ut cf=a sf] ckn]vg - - 3,251,840 gfkmf gf]S;fg ladfsLo d'Nofs+g kl/eflift nfe

bfloTj - - -

hDdf OCI - (3,251,840) 2,554,065 :yug s/ OCI df - 812,960 (638,516) s/ k5L sf] OCI - (2,438,880) 1,915,549 s/ k5L sf] hDdf OCI 1,322,191 50,013,267 83,590,067

-u_ cfly{s aif{ ;dfKt ePsf] ^ dlxgf kZrft\ ljj/0fkq :jLs[ltsf] nflu k]z u/]df pQm cGtl/d

cjlwsf] nflu n]vfkl/Ifsaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0f M

cfly{s aif{ ;dfKt ePsf] t/ n]vfk/LIf0f x'g af+sL /x]sf]n] cf=j= @)&^÷&& Joj:yfkgaf6 k|dfl0ft

u/]sf] ckl/is[t jf;nft tyf gfkmf gf]S;fg lx;fjsf] ljj/0f b]xfo adf]lhd /x]sf] 5 M

jf;nft

ljj/0f ckl/is[t *

cf=j @)&^÷&&

;DklQ

;DklQ, d]l;g / pks/0f 78,195,592 cb[io ;DklQ 1,738,536 :yug s/ ;DkQL 37,122,840 ljlQo ;DklQ kl/zf]wg nfutdf ljlQo ;DklQ 1,798,070,000

OCI dfkm{t ljlQo ;DklQ 216,384,799 gfkmf gf]S;fg lx;faaf6 ljlQo ;DklQ aLdf jfkt lng afFsL 408,276 cGo ljlQo ;DklQ 67,691,632 cGo ;DklQ 9,761,991 rfn' s/ ;DkQL 66,077,650 gub / gub ;dfg 674,469,808 s'n ;DklQ 2,949,921,124 z]o/wgLsf] sf]if

z]o/ k"FhL 1,400,000,000 z]o/ lk|ldod - dxf ljkQL hu]8f 13,574,881 ;l~rt cfo 165,035,888 cGo hu]8f 2,571,892

s'n z]o/wgLsf] sf]if 1,581,182,661 bfloTj :yug s/ bfloTj - aLdf s/f/ bfloTj 1,084,393,875 ;fk6L - sd{rf/Lsf] kl/eflift nfe bfloTj 18,391,062 aLdf aGt{ut e'QmfgL lbg'kg{] cGo ljlQo bfloTj 140,503,528 rfn' s/ bfloTj - Joj:yfx? - cGo bfloTj 125,449,998 s'n bfloTj 1,368,738,462 s'n bfloTj / z]o/wgLsf] sf]if 2,949,921,124

22


ljj/0f ckl/is[t *

cf=j @)&^÷&&

s'n k|Lldod 1,197,837,902 hf]lvd x:tfGt/0f k|Lldod (38,402,326) v'b k|Lldod 1,159,435,576 Zf'Ns tyf sld;g cfDbfgL - nufgL cfDbfgL 184,127,813 v'b k|fKt gfkmf tyf gf]S;fg (Net realised gains and losses) - Fair Value kl/jt{gaf6 ePsf] gfkmf tyf gf]S;fg - cGo cfDbfgL 9,485,878 cGo cfo 193,613,691 s'n cfo 1,353,049,267 s'n bfjL /sd e'QmfgL 8,413,680 s"n bfjL e"QmfgLdf k"gaL{dssf] lx:;f (408,276) v"b bfjL e"QmfgL 8,005,404 aLdfsf] s/f/ bfloTjdf kl/jt{g 731,872,325 ljQ nfut cGo ;~rfng tyf k|zf;g vr{ 559,619,482 cGo vr{ 1,291,491,808 s'n bfaL e'QmfgL / cGo vr{ 1,299,493,445 s/ cl3sf] gfkmf 53,552,055 s/ vr{ v'b gfkmf o; jif{sf] 53,552,055 Basic earnings per share 3.83 Diluted earnings per share 3.83


ljj/0f ckl/is[t *

cf=j @)&^÷&&

v'b gfkmf o; jif{sf] 53,552,055 Other Comprehensive Income

gfkmf gf]S;fg lx;fadf k'g aul{s/0f gx'g]

ljlQo ;DklQdf Fair Value kl/jt{gaf6 ePsf] gfkmf tyf

gf]S;fg (9,031,252)

ut cf=a sf] ckn]vg 697,775 gfkmf gf]S;fg ladfsLo d'Nofs+g kl/eflift nfe bfloTj - hDdf OCI (8,333,477) :yug s/ OCI df 2,083,369 s/ k5L sf] OCI (6,250,108) s/ k5L sf] hDdf OCI 47,301,947


-3_ cfDbfgL / vr{ lx;fjsf] s'g} zLif{sdf 7'nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M ;f]

gePsf] .

-ª_ kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft ;+ul7t ;+:yfsf] sf/f]af/, gfkmf gf]S;fg, ;DklQsf]

d'No jf cfufdL !@ dlxgfsf] bfloTj e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5÷5}g ;f]

;DaGwdf ;+rfnsx?sf] wf/0ff M ;f] gePsf] .

-r cfly{s jif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, cfly{s jif{ ;dfKt ePsf] ldltaf6 k]z ePsf]

ldlt;Dddf jf;nftsf] ldltkl5sf] 36gfsf] jf/]df 5'§} hfgsf/L ljj/0fkqdf ;dfj]z ug'{kg]{ M ;f]

gePsf] .

23

-5_ ljut % jif{df ;DklQsf] k'gd"{Nof+sg ul/Psf] 5÷5}g, olb ul/Psf] eP -c_ ;DklQsf] ljj/0f -cf_

;DklQsf] k'gd"{Nof+sg cl3 / kl5sf] lstfjL d"No -O{_ k'gd"{Nof+sgsf] cf}lrTo M ;f] gePsf] .

-h_ cfufdL tLg jif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x? M

jf;nft

ljj/0f k|If]lkt

cf=j @)&&÷&* cf=j @)&*÷&( cf=j @)&(÷*)

;DklQ

;DklQ, d]l;g / pks/0f 64,111,246 48,773,394 32,070,473 cb[io ;DklQ 1,160,655 586,540 12,426 :yug s/ ;DkQL 39,567,645 39,567,645 39,567,645 ljlQo ;DklQ

OCI dfkm{t ljlQo ;DklQ 270,399,261 300,159,765 333,440,434 gfkmf gf]S;fg lx;faaf6 ljlQo ;DklQ 3,591,074,161 5,999,134,065 9,936,791,645 kl/zf]wg nfutdf shf{ 387,392,773 582,665,047 779,300,729 aLdf jfkt lng afFsL 5,007,209 5,507,930 6,058,723 cGo ljlQo ;DklQ 24,854,140 45,393,726 74,873,897 cGo ;DklQ 10,738,190 12,216,132 13,920,020 rfn' s/ ;DkQL 123,116,645 223,944,187 386,890,850 gub / gub ;dfg 566,738,421 620,331,684 721,459,805 s'n ;DklQ 5,084,160,346 7,878,280,114 12,324,386,647 z]o/wgLsf] sf]if

z]o/ k"FhL 2,000,000,000 2,000,000,000 2,000,000,000 z]o/ lk|ldod - - - dxf ljkQL hu]8f 27,089,192 47,916,247 74,197,136 ;l~rt cfo 286,660,920 474,104,414 710,632,417 cGo hu]8f 2,571,892 2,571,892 2,571,892

s'n z]o/wgLsf] sf]if 2,316,322,004 2,524,592,553 2,787,401,445 bfloTj

:yug s/ bfloTj - - - aLdf s/f/ bfloTj 2,412,229,320 4,882,153,965 8,923,263,648 ;fk6L - - - sd{rf/Lsf] kl/eflift nfe bfloTj 8,811,683 9,692,851 10,662,137 aLdf aGt{ut e'QmfgL lbg'kg{] cGo ljlQo bfloTj 209,178,263 309,685,723 439,824,248 rfn' s/ bfloTj - - - Joj:yfx? - - - cGo bfloTj 137,619,076 152,155,021 163,235,433 s'n bfloTj 2,767,838,342 5,353,687,561 9,536,985,201 s'n bfloTj / z]o/wgLsf] sf]if 5,084,160,346 7,878,280,114 12,324,386,647


ljj/0f k|If]lkt

cf=j @)&&÷&* cf=j @)&*÷&( cf=j @)&(÷*)

s'n k|Lldod 1,993,154,291 3,241,472,504 4,864,144,563 hf]lvd x:tfGt/0f k|Lldod (67,442,211) (110,422,873) (166,292,584) v'b k|Lldod 1,925,712,080 3,131,049,631 4,697,851,980 Zf'Ns tyf sld;g cfDbfgL - - - nufgL cfDbfgL 340,175,361 613,228,548 1,008,325,820 v'b k|fKt gfkmf tyf gf]S;fg (Net realised gains

and losses) - - -

24

Fair Value kl/jt{gaf6 ePsf] gfkm tyf gf]S;fg - - - cGo cfDbfgL 40,084,608 58,955,061 77,985,267 cGo cfo 380,259,968 672,183,609 1,086,311,088 s'n cfo 2,305,972,048 3,803,233,240 5,784,163,068 s'n bfjL /sd e'QmfgL 9,296,398 10,273,590 11,355,635 s"n bfjL e"QmfgLdf k"gaL{dssf] lx:;f (5,007,209) (5,507,930) (6,058,723) v"b bfjL e"QmfgL 4,289,189 4,765,661 5,296,912 aLdfsf] s/f/ bfloTjdf kl/jt{g 1,327,835,445 2,469,924,645 4,041,109,419 ljQ nfut cGo ;~rfng tyf k|zf;g vr{ 838,704,304 1,120,272,385 1,474,947,844 cGo vr{ 2,166,539,749 3,590,197,030 5,516,057,264 s'n bfaL e'QmfgL / cGo vr{ 2,170,828,939 3,594,962,691 5,521,354,176 s/ cl3sf] gfkmf 135,143,110 208,270,549 262,808,892 s/ vr{ v'b gfkmf o; jif{sf] 135,143,110 208,270,549 262,808,892 Basic earnings per share 6.76 10.41 13.14 Diluted earnings per share 7.51 10.41 13.14


ljj/0f k|If]lkt

cf=j @)&&÷&* cf=j @)&*÷&( cf=j @)&(÷*)

v'b gfkmf o; jif{sf] 135,143,110 208,270,549 262,808,892


gfkmf gf]S;fg lx;fadf k'g aul{s/0f gx'g] ljlQo ;DklQdf Fair Value kl/jt{gaf6 ePsf]

gfkm tyf gf]S;fg - - -

ut cf=a sf] ckn]vg - - -

gfkmf gf]S;fg ladfsLo d'NofFsg kl/eflift nfe

bfloTj - - -

hDdf OCI - - - :yug s/ OCI df - - - s/ k5L sf] OCI - - -

s/ k5L sf] hDdf OCI 135,143,110 208,270,549 262,808,892

ljQLo k|If]k0fsf cfwf/x?sf] cf}lrTo k'li6 x'g] ljj/0f b]xfo adf]lhd /x]sf] 5 M

ljj/0f 2077/78 2078/79 2079/80 cg'dflgt s'n aLdfz'Ns 1,993,154,291 3,241,472,504 4,864,144,563 s'n aLdf z'Nsdf cg'dflgt j[l4b/ 66% 63% 50% v'b aLdf z'Nsdf cg'dflgt j[l4b/ 66% 63% 50% s'n bfloTjdf cg'dflgt j[l4b/ 102% 93% 78% s'n ;DklQdf cg'dflgt j[l4b/ 72% 55% 56% cGo ;+rfng tyf k|zff;g cg'dflgt vr{ 50% 34% 32% nufgLdf cg'dflgt j[l4b/ 106% 62% 61% hDdf nufgLaf6 k|fKt cfodf cg'dflgt j[l4b/ 85% 80% 64% nufgLdf cg'dflgt k|ltkmn 8.81% 9.73% 9.82% v'b gfkmfdf cg'dflgt j[l4b/ 152% 54% 26% hLjg aLdf sf]ifdf cg'dflgt j[l4b/ 122% 102% 83%

25

ljQLo k|If]k)fsf k|d 'v cfwf/x? M

!= s'n aLdfz'Nsdf a[l4b/ M sDkgLsf] ljut tyf jt{dfg cj:yfdf ePsf] Joj;fo j[l4 tyf yk

zfvf÷pkzfvf sfof{nox?sf] lj:tf/ Pjd\ bIf hLjg aLdf clestf{x?sf] ;+Vofdf a[l4 ub}{ n}hfg]

Joj:yfkgsf] of]hgf Pj+ gjLs/0f aLdfz'Nsdf x'g] a[l4sf] cfwf/df s'n aLdfz'Nsdf cf=j=

@)&&÷&*, cf=j= @)&*÷&( / cf=j= @)&(÷*) df s|dzM ^^, ^# / %) k|ltzt a[l4b/ u0fgf

ul/Psf] 5 .

@= nufgL tyf shf{af6 cfo÷s'n nufgL tyf shf{ M xfn sfod /x]sf] nufgLaf6 k|If]lkt cjlwdf

cfh{g x'g] cfonfO{ jf:tljs c+sdf u0fgf ul/Psf] Pjd\ yk k|If]lkt nufgLdf ljut jif{x?sf] cg'ej

/ efjL cg'dfgsf] cfwf/df aflif{s cf};t (=$% k|ltzt k|ltkmn b/ x'g cfpg] ck]Iff u/L nfufgLdf

k|ltkmn b/ u0fgf ul/Psf] 5 . o;/L u0fgf ubf{ nufgL tyf shf{sf] k|If]lkt ef/Lt c}f;t k|ltkmn

cf=j= @)&&÷&*, cf=j= @)&*÷&( / cf=j= @)&(÷)*) df s|dzM *=*!, (=&# / (=*@ k|ltzt

x'g] ck]Iff ul/Psf] 5 .

#= cGo

s= ut jif{x?sf] jf:tljs tYofÍ tyf cfp+bf] jif{sf] ;+rfng of]hgfsf] cfwf/df sDkgL

Joj:yfkg4f/f ljQLo ljj/0f k|If]k0f ul/Psf] xf] .

v= v'b gfkmfsf] !) k|ltzt /sd sd{rf/L af]g; Joj:yfsf] nflu 5'§ofO{Psf] 5 .

u= cfp+bf] jif{x?df sDkgLsf] s/of]Uo gfkmf gx'g] ePsfn] s/ Joj:yf ul/Psf] 5}g .

3= sDkgLsf] Joj:yfkg vr{ d"No a[l¢, d'b|f:kmLlt tyf sDkgLn] cfkm\gf] Aoj;flos ;+hfndf ug{

;Sg] a[l¢sf] cg'dfgsf] cfwf/df cg'dfg ul/Psf] 5 .

u=(=v= ljQLo cg'kft ;DaGwL ljj/0f M

-s_ ;~rfng cjlw tLg aif{ JotLt e};s]sf] cj:yfdf ljut tLg aif{sf] / tLg aif{ AotLt e}g;s]sf]

cj:yfdf ;~rfng cjlwsf] tyf cfufdL tLg aif{sf] k|If]lkt k|lt z]o/ cfDbfgL (EPS) tyf k|lt

z]o/ g]6jy{ M


2073/74 2074/75 2075/76 2076/77 2077/78 2078/79 2079/80 k|lt z]o/ g]6jy{{ -?=_ 100.06 103.59 109.56 112.94 115.82 126.23 139.37

k|lt z]o/ cfDbfgL -?=_ 4.12 5.83 3.83 7.51 10.41 13.14

;l~rt cfo 273,615 39,069,751 115,989,010 165,035,888 286,660,920 474,104,414 710,632,417


2073/74 2074/75 2075/76 2076/77 2077/78 2078/79 2079/80 z]o/ k"FhL 448,876,500 1,400,000,000 1,400,000,000 1,400,000,000 2,000,000,000 2,000,000,000 2,000,000,000

z]o/ lk|ldod - - - -

dxf ljkQL hu]8f 4,310,681 9,065,938 13,574,881 27,089,192 47,916,247 74,197,136

;l~rt cfo 273,615 39,069,751 115,989,010 165,035,888 286,660,920 474,104,414 710,632,417

cGo hu]8f 6,906,450 8,821,999 2,571,892 2,571,892 2,571,892 2,571,892

hDdf g]6jy{ 449,150,115 1,450,286,882 1,533,876,947 1,581,182,661 2,316,322,004 2,524,592,553 2,787,401,445

z]o/ ;+Vof 4,488,765 14,000,000 14,000,000 14,000,000 20,000,000 20,000,000 20,000,000

k|lt z]o/ g]6jy{{ -?=_ 100.06 103.59 109.56 112.94 115.82 126.23 139.37

g]6jy{df k|ltkmn -Ü_ 0.00% 3.98% 5.32% 3.39% 6.48% 8.25% 9.43%

k|lt z]o/ cfDbfgL -?=_ 4.12 5.83 3.83 7.51 10.41 13.14

k|lt z]o/ r'Qmf k"FhL -?=_ 100 100 100 100 100 100 100

lgisf;g k"j{sf] k|lt z]o/ cfDbfgL (EPS) sfod /fVg a[l4 x'g] g]6jy{df cfjZos Go"gtd k|ltkmn

k|ltztdf #=%!


26

sDkgLsf] k|If]lkt ljQLo ljj/0f ljut aif{sf] sf/f]af/sf] cfwf/df lgisf;g sDkgLn] tof/ u/]sf] xf] . pQm ljQLo

k|If]k0fsf] cfwf/x? tyf tl/sf k'g/fjnf]sg u/L l7s 5 egL cf/=s]=P; Pzf]l;P6 cl86/sf rf6{8{ PsfpG6]g >L

/fh]z s'df/ zfxn] ug'{ ePsf] xf] .

-v_ ljut # aif{sf] g]6jy{df ePsf] cf};t k|ltkmn M $=@#

u=!)= lwtf]kq lgisf;g ;DaGwL ljj/0f M

u=!)=s= lwtf]kq hf/L ug'{sf] p2]Zo M

!= sDkgLsf] hf/L k"FhL ?= @ cj{ dWo] k|jGwkqdf Aoj:yf eP cg'?k hf/L k"FhLsf] #) k|ltzt z]o/

;j{;fwf/0fdf ljlqm ug'{kg]{ ePsf] sf/0f hf/L k"FhLsf] #) k|ltzt cyf{t ?= ^),)),)),)))÷– /sd

a/fa/sf] k|lt z]o/ ?=!))÷– clÍt b/sf ^),)),))) lsQf ;fwf/0f z]o/ ;j{;fwf/0fx?df -

sd{rf/L tyf ;fd'lxs nufgL sf]if ;lxt_ laqmL ljt/0f u/L aLdf sDkgLsf] ;~rfngdf

;j{;fw/0fx?nfO{ ;d]t ;+nUg u/fpg .

@= sDkgLsf] k|aGwkq tyf lgodfjnLdf pNn]v ePsf p2]Zox? cg'?k ug'{ kg]{ sfo{x?sf] nflu

cfjZos k"FhL ;+sng ug{ .

#= sDkgLn] cfkm\gf] ;]jf lj:tf/ u/L aLdf Joj;fosf] hf]lvd wf/0f a9fpgsf] nflu cfjZos kg]{

kF"hLsf] Aoj:yf ug{ .

u=!)=v= lwtf]kq lgisf;gaf6 k|fKt k'FhLsf] pkof]u M

-s_ lgisf;gaf6 k|fKt x'g] s'n /sdnfO{ s;/L / s'g If]qdf k|of]u ul/g]5 tt\ ;DaGwL ljj/0f M

lgisf;gaf6 k|fKt x'g] s'n /sd tn pNn]lvt ljleGg If]qx?df k|of]u x'g]5 M

qm=;+ ljj/0f /sd

! Jffl0f~o a}+s÷g]kfn k'af{wf/ a}+s lnld6]8sf] d'4tL lgIf]k

ljsf; a}+ssf] d'4tL lgIf]k

ljQLo sDkgLsf] d'4tL lgIf]k

?= %),)),)),))).–

@ l8j]Gr/ ?= %,)),)),))).–

# z]o/, cfbL ?= %,)),)),))).–

hDdf ?= ^),)),)),))).–

sDkgL P]g, aLdf ;ldltsf] lgb]{zg tyf cGo k|rlnt sfg"g adf]lhdsf] cwLgdf /xL sDkgLsf]

Joj;flos k|of]hgdf pkof]u ul/g]5 .

-v_ ;fj{hlgs lgisf;g ul/g] lwtf]kq k"0f{ ?kdf ljqmL gePdf ;fj{hlgs lgisfzgsf] nflu p2]Zo

k|flKt ug{sf] nflu ckgfOg] a}slNks Joj:yfM

ljutdf cGo ;+:yfx?n] ;j{;fwf/0fdf z]o/ lgisf;g ubf{ lgisfl;t z]o/x? k"0f{ ?kdf cfj]bg k|fKt

x'g] b]lvPsf]n] o; sDkgLsf] lgisfl;t z]o/x? klg k"0f{ ?kdf laqmL x'g] sDkgLsf] wf/0ff /x]sf] 5 .

s'g} sf/0fjz k"0f{?kdf laqmL gePdf, >L ;flgdf Soflk6n lnld6]8, sf7df8f}+}+n] lgisfzg /sdsf]

ztk|ltzt vl/b ug]{ k|Tofe"ltdf ;D´f}tf u/]sf] 5 .

-u_ cfof]hgfsf] ;+rfng :yfg, cfof]hgf r/0fa4 ?ksf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{,

s'g} r/0f ;dfKt e};s]sf] eP ;f] ;DaGwL ljj/0f M nfu' gx'g]] .

-3_ cfof]hgf ;DkGg x'g], k/LIf0f pTkfbg z'? x'g] / k"0f{ Jofj;flos pTkfbg z'? x'g] cg'dflgt ldlt M

nfu' gx'g] .

-ª_ ;+ul7t ;+:yfn] s'g} pks/0f vl/b u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"No jf k|f:tfljt

d"No ;Knfo;{sf] gfd / ;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d'Vo d'Vo a'Fbfx? M nfu' gx'g] .

-r_ s'g} kf6L{;Fu k|ltlnlk clwsf/ 6«]8dfs{ Ohfhtkq /f]oN6L ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws

;Demf}tf ul/Psf] eP ;f] sf] k|d'v zt{x? / kf6L{sf] gfd 7]ufgf ;DaGwL ljj/0fM ;Demf}tf gul/Psf] .

-5_ pTkfbg ;DaGwL cfof]hgf eP ;f] sf] k|s[lt k|of]ustf{ k|lt:kwf{ nlIft ;d"x, pTkfbg Ifdtf ljut

jif{x?sf] Ifdtf pkef]u jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M pTkfbg ;DaGwL

cfof]hgf gePsf] .

27

-h_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknJwtf / To;sf] >f]t M nfu' gx'g] .

-em_ cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M nfu' gx'g] .

-`_ ;fj{hlgs lgisfzgsf] nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Nsx? 5'§f5'§}

?kdf k|:t't ug'{ kg]{ .

-c_ lgisf;g tyf laqmL k|aGws – ?= %,)),)))÷–

-cf_ 6«i6L -l8j]Gr/ lgisfzgsf] xsdf_ – lgisf;g ul/g] l8j]Gr/ geO{ ;fwf/0f z]o/ ePsf] .

-O{_ k|Tofe"ltstf{ z'Ns – ?= %,)),))).–

-O_ lj1x?sf] kfl/>lds jf ;]jf z'Ns – gePsf] .

-p_ n]vfk/LIfssf] z'Ns – sDkgLsf] k|If]lkt ljlQo ljj/0f cf/=s]=P;= Pzf]l;P6\; rf6{8

PsfpG6]06;\ sf >L /fh]z s'df/ zfxn] k'g/fjnf]sg u/L k|dfl0ft ug'{ ePsf] xf] . lghnfO{

pQm sfo{ u/]jfkt aLdf sDkgLn] /sd ?= $),)))÷—-cIf/]kL rfln; xhf/ ?k}+of dfq_ -

d'=c=s/ afx]s_ k|bfg u/]sf] 5 .

-pm_ cGo – gePsf] .

u=!)=u= ;fj{hlgs lgisf;gaf6 k|fKt /sdnfO{ cfof]hgfdf k|of]u ug{ k"j{ cGo s'g} Joj:yf ug{ nfluPsf] 5 eg]

tT;DaGwL ljj/0fM ;f] gePsf] .

u=!)=3= lk|ldoddf lwtf]kq hf/L ug]{ ePdf M lk|ldod z]o/ hf/L ug]{ gePsf] .

u=!)=ª= lwtf]kqsf] afF8kmfF6, lkmtf{ e'QmfgL tyf ;"rLs/0f ;DaGwL ljj/0f M

-s_ cToflws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmFf8sf] k|s[of M o; ljj/0fkq dfkm{t hf/L ul/Psf] ;fwf/0f z]o/ ;+Vof eGbf a9L ;+Vofdf ;fwf/0f z]o/ vl/bsf]

nflu b/vf:t k|fKt x'g cfPdf g]kfn lwtf]kq af]8{sf] k|rlnt lwtf]kq aFf8kmFf8 ;DaGwL lgb]{lzsfdf

ePsf] Aoj:yf cg';f/ ;fwf/0f z]o/x? afF8kmFf8 ul/g]5 / z]o/ afF8kmfF8 ;DaGwL ;"rgf /fli6«o

:t/sf] b}lgs klqsfdf k|sflzt ul/g]5 .

-v_ cToflws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DjGwL Joj:yfM z]o/ jfktsf]

cfj]bg lng] sfo{ lwtf]kq vl/b -;fj{hlgs lgisf;g_ ;DaGwL lgb]{lzsf, @)&# -cf:af_ df ePsf]

Joj:yf adf]lhd ;xefuL a}+saf6 x'g]5 . pQm lgb]{lzsfsf] Joj:yf adf]lhd cfj]bssf] vftfdf g}

cfj]bg /sd /f]Ssf /flvg] ePsf]n] z]o/sf] cToflws dfu eO{ k|To]s cfj]bsn] dfu u/] adf]lhdsf]

z]o/ afF8kmfF8 ug{ g;lsg] cj:yfdf lghnfO{ afF8kmfF8 ePsf] z]o/ jfktsf] /sd dfq dfu u/L

afFsL /sd ;f]xL vftfdf /f]Ssf sfg'g adf]lhd ;xefuL a}+saf6 g} /f]Ssf km's'jf x'g] Joj:yf

ldnfO{g]5 .

-u_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Jofhb/ M lwtf]kq v/Lb -;fj{hlgs

lgisfzg_ ;DaGwL lgb]{lzsf, @)&# k"0f{ ?kdf nfu" eO{;s]sf] ;Gbe{df ;f] Joj:yf nfu' gx'g] .

-3_ lwtf]kqsf] afF8kmfF8 tyf k|df0fkq hf/L ;DjGwL k|s[of / ;dofjlw M lgisf;g ul/g] ;fwf/0f z]o/

ælwtf]kq lgisf;g tyf aFf8kmFf8 lgb]{lzsf, @)&$Æ df Joj:yf eP cg';f/ afF8kmfF8 u/L ;"lrs/0f

eP kZrft\ ælwtf]kq s]lGb|o lgIf]k ;]jf lgodfjnL, @)^&Æ sf] lgod @$ sf] pklgod & adf]lhd

;DalGwt z]o/wgLsf] lxtu|fxL vftfdf cef}lts ?kdf z]o/ hDdf u/L ul/g]5 .

-ª_ lwtf]kq ;"rLs/0f e};s]sf] eP To:tf] lwtf]kq ;"rLs/0f ul/Psf] lwtf]kq ahf/sf] gfd lwtf]kq

sf/f]jf/ z'? x'gsf] nflu ;+ul7t :f+:yfn] k"/f ug'{kg]{ zt{x? ;DaGwL ljj/0f M ;f] gePsf] .

-r_ lwtf]kq ;"rLs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisf;g tyf ljqmL ul/g] lwtf]kqx? k|rlnt P]g,

lgod cg';f/ ;xh v/Lb / laqmL jf ljgLdo x'g ;Sg] u/fpgsf] nflu ul/g] Joj:yf ;DaGwL

ljj/0f M o; ljj/0fkq cg';f/ hf/L ul/Psf] ;fwf/0f z]o/x? lwtf]kq lgisf;g tyf afF8kmfF8

lgb]{lzsf, @)&$ df ePsf] Joj:yf afF8kmfF8 u/L bf];|f] jhf/df sf/f]jf/ x'g] Joj:yfsf] nflu g]kfn

:6s PS;r]~hdf ;'rLs/0f u/fO{ sf/f]jf/ x'g] Joj:yf ldnfOg]5 .

u=!)=r= k|Tofe"lt ;DaGwL ljj/0f M

-s_ lwtf]kq k|Tofe"lt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|Tofe"lt ug]{ lwtf]kqsf] ;+Vof / /sd M

28

o; ljj/0fkq dfkm{t lgisf;g ug{ nfluPsf] ^),)),))) lsQf ;fwf/0f z]o/sf] nflu ;flgdf

Soflk6n lnld6]8, k'tln;8saf6 ztk|ltzt k|Tofe"lt k|bfg u/fO{Psf] 5 .

-v_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo aF"bfx? M

o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] lwtf]kqsf] k|Tofe"ltstf{;Fu d'Vo a'Fbfx? b]xfo adf]lhd

/x]sf] 5 .

-!_ lgisf;gstf{n] ;fj{hlgs lgisf;gsf] nflu lgo'lQm u/]sf] k|Tofe"ltstf{nfO{ sldzg /sd afkt ?=

%)),))).– -cIf/]kL M kfFr nfv ?k}+of dfq_ pknAw u/fpg]5 . ;f] sldzg /sd lkmtf{ g'xg] (Non-

Refundable) tyf ;f] /sddf k|Tofe"ltstf{n] g]kfn lwtf]kq af]8{nfO{ lbg'kg]{ % k|ltzt sldzg

/sd ;d]t ;+nUg /x]sf] 5 .

-@_ k|Tofe"t ul/Psf] z]o/ k|Tofe"ltstf{n] k"0f{ jf cf+lzs ?kdf v/Lb ug'{kg]{ cj:yf cfPdf ;f] jfktsf]

z]o/sf] /sd k|yd kIfnfO{ lgisflzt z]o/ afF8kmfF8 ePkZrft\ dfu u/]sf] #) lbgleq

k|Tofe"ltstf{n] k"0f{?kdf r'Qmf ug'{kg]{5 .

-#_ z]o/ ;j{;fwf/0fdf laqmL ubf{ ;Dk"0f{ z]o/sf nflu cfj]bg k|fKt ePdf k|Tofe"ltstf{sf] bfloTj :jtM

k"/f x'g]5 .

-$_ z]o/ k|Tofe"lt ;Demf}tfsf] ;dofjlw ;fj{hlgs z]o/ ;j{;fwf/0fnfO{ hf/L u/L afF8kmfFu geP;Dd

x'g]5 .

-%_ ;Demf}tfsf] sfof{Gjog / JofVof k|rlnt d'n'sL b]jfgL ;+lxtf P]g, @)&$ cGtu{tsf] s/f/;Fu

;DaGwLt k|fjwfgx? adf]lhd x'g]5 . pQm ;Demf}tfkqdf pNn]v ul/Psf] ljifosf] JofVofdf s'g} ljjfb

ePdf tyf a'emfOdf km/s k/]df b'j} kIfsf] cfk;L ;dembf/Ldf ;f] ljjfbsf] cGTo ul/g]5 .

-^_ ;Demf}tfsf] JofVofdf jf sfof{Gjogdf dt leGgtf ePdf jf ljjfb pTkGg ePdf b'j} kIfsf] ;xsfo{df

ljjfb lg/f]k0f ul/g]5 . ;f] af6 ljjfb lg/f]k0f gePdf ;a} kIfn] Ps Ps hgf dWo:ystf{ lgo'Qm

ug]{5g . o;/L lgo'Qm dWo:ystf{sf] cfk;L ;xdltdf d'Vo dWo:ystf{ -Principal Arbitrator_ sf]

lgo'QmL ul/g]5 / dWo:ystf{åf/f ul/Psf] lg0f{o b'j} kIfnfO{ dfGo x'g]5 .

u=!)=5= cfj]bg lb+bf Wofg lbg' kg]{ s'/fx? M

-s_ lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/,

lwtf]kqjfnfsf] clwsf/df kl/jt{g ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL ljj/0f M o;

ljj/0fkq cg';f/ lgisf;g ul/Psf z]o/sf] afF8kmfF8df k/]sf z]o/wgLx?sf] clwsf/ tyf

k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/, lwtf]kqjfnfsf] clwsf/df kl/jt{g

ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL Joj:yf k|rlnt sfg"g cg';f/ x'g]5 .

-v_ lgodfjnL, k|aGwkq k|fKt ug]{ jf x]g{ ;Sg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof

/ ;f] eGbf dfly lng] ePdf s'g u'0ffÍdf lng ;Sg] xf] ;f] ;DaGwL ljj/0f M

!= o; ;+ul7t ;+:yfsf] k|aGwkq tyf lgodfjnL sfof{no ;doleq sDkgLsf] /lhi68{ sfof{no

sdnfbL, sf7df8f}+ jf lwtf]kq lgisf;g tyf laqmL k|aGws l;4fy{ Soflk6n lnld6]8,

gf/fo0frf}/, gS;fn, sf7df08f}+df ;Dks{ /fvL x]g{ jf k|fKt ug{ ;lsg]5 .

@= o; ljj/0fkq dfkm{t lgisf;g ul/g] ;fwf/0f z]o/ vl/bsf nflu b/vf:t lbFbf b/vf:tjfnfn]

b/vf:t;fy cfkm'n] vl/b ug{ rfx]sf] ;fwf/0f z]o/ ;+Vofsf] k|lt ;fwf/0f z]o/ ?=!)).– sf

b/n] x'g cfpg] Psd'i6 /sd lwtf]kq vl/b -;fj{hlgs lgisf;g_ ;DaGwL lgb]{lzsf, @)&# n]

u/]sf] Joj:yf adf]lhd g]kfn lwtf]kq af]8{af6 :jLs[lt k|fKt ;xefuL a}+s tyf ljQLo ;+:yfdf

/x]sf] cfkm\gf] vftfdf /f]Ssf /fvL cf:af k|0ffnL dfkm{t cfj]bg ug{ ;lsg]5 .

#= o; ljj/0fkq dfkm{t lgis;g ul/g] ;fwf/0f z]o/sf] nflu Go'gtd !) lsQf tyf ;f] n] efu

hfg] ;+Vofdf clwstd %,))) lsQfsf nflu cfj]bg lbg ;lsg]5 .

-u_ cfj]bg lb+bf kfngf ug'{kg]{ zt{ aGb]hx? h:t} Ps eGbf a9L b/vf:t lbg gkfOg], nufgLstf{sf]

klxrfgsf] nflu gful/stf÷hGdbtf{sf] k|dfl0ft k|df0fkqsf] k|ltlnlk k]z ug'{kg]{ jf lwtf]kq bnfn

Joj;foLn] lbPsf] u|fxssf] kl/ro gDa/ / ;DalGwt Joj;foLsf] gfd v'nfpg'kg]{ / a}+s vftf

dfkm{t sf/f]af/ ul/g'kg]{ h:tf kIfx? M

;j{;fwf/0f g]kfnL gful/sn] o; ljj/0fkq dfkm{t lgisf;g ul/g] ;fwf/0f z]o/ lgDgadf]lhd k|s[of

k'/f ePsf] cj:yfdf z]o/ vl/b ug{ cfj]bg lbg ;Sg]5g\ .

29

!= lwtf]kq vl/b ug{sf nflu b/vf:t lbg rfxg]n] g]kfn lwtf]kq af]8{af6 cg'dlt lnO{ lwtf]kqsf]

;fj{hlgs lgisf;gsf] s]lGb|s[t ljB'tLo ;]jf ;DaGwL sfo{ ;~rfng lgb]{lzsf, @)&$ adf]lhd

;fj{hlgs lgisf;gdf Centralized Application for ASBA Based Issuance (C-ASBA) k|0ffnL

dfkm{t cfj]bg ;+sng ug{ cfj4 cf:jf (ASBA) ;]jfdf ;xefuL a}s tyf ljQLo ;+:yf tyf

tLgsf zfvf sfof{nox?af6 cfj]bg lbg ;Sg]5g\ .

@= cfj]bsn] cfj]bg kmf/ddf tf]lsP adf]lhdsf ;Dk"0f{ ljj/0f e/L cfkm}n] b:tvt u/L a'emfpg'

kg]{5 .

#= b/vf:t lbFbf g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt cf:jf ;b:on] tf]s]sf] 9fFrfdf ælwtf]kq

lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$Æ sf] bkmf @$ df pNn]v eP adf]lhd b]xfosf

ljj/0fx? pNn]v u/L b/vf:t lbg' kg]{5 .

-s_ cfj]bssf] k'/f gfd -g]kfnL tyf c+u|hL b'a}df_,

-v_ cfj]bssf] afa', cfdf tyf afh]sf] gfd,

-u_ cfj]bs ljjflxt ePdf >Ldfg jf >LdtLsf] gfd,

-3_ cfj]bssf] :yfoL 7]ufgf,

-ª_ cfj]bssf] ;Dk{s 7]ufgf / 6]lnkmf]g jf df]afOn gDa/,

-r_ cfj]bssf] vftf /x]sf] a}+s jf ljQLo ;+:yfsf] gfd, 7]ufgf tyf vftf gDa/,

-5_ lwtf]kq cef}ltlss/0f ug]{ -l8Dof6 vftf gDa/_ clgjfo{ ?kdf v'nfpg' kg]{,

-h_ cfj]bsn] lng rfx]sf] z]o/ ;+Vof tyf ;f] afkt hDdf u/]sf] /sd,

-em_ cfj]bssf] x:tfIf/ -gfjfnssf] xsdf cleefjssf] x:tfIf/_

$= cfj]bg kmf/d a'emfpFbf b/vf:t kmf/ddf Go"gtd ?kdf v'Ng'kg]{ egL tf]lsPsf ljj/0fx? ;a}

:ki6 ?kdf e/]sf] b/vf:t kmf/d a'emfpg' kg]{5 .

%= cfj]bsx?n] cfj]bg lb+bf l;–cf:jf ;b:o a}+sx?df /x]sf] cfj]bg jfktsf] /sd /f]Ssf /flvg]

vftf cGo s'g} k|sf/n] /f]Ssf /x]sf] jf lgliqmo (Dormant) /x]sf] x'g'x'Fb}g .

^= cfj]bg lbPsf] /sd a/fa/sf] /sd vftfdf x'g' kg]{5 .

&= lwtf]kq v/Lbsf] nflu b/vf:t lb+bfsf] cj:yfdf jf b/vf:t lbO{ ;s] kl5 v/Lb u/]sf] lwtf]kq

jfktsf] /sd e'QmfgL gx'Fb} k|rlnt sfg"g adf]lhd clwsf/ k|fKt clwsf/L jf lgsfoaf6

nufgLstf{sf] vftf /f]Ssf /fVg] cfb]z k|fKt ePdf lgisfzg tyf ljqmL k|aGwsn] To:tf]

b/vf:t kmf/fdnfO{ cfb]z adf]lhd ug]{5 .

*= lwtf]kq afF8kmfF6 ug'{k"j{ clVtof/ k|fKt lgsfoaf6 s'g} nufgLstf{sf] vftf /f]Ssf /fVg cfb]z jf

lgb]{zg k|fKt ePdf ;DalGwt a}+s jf ljQLo ;+:yfn] To:tf] cfb]z jf lgb]{zg cg';f/ ;DalGwt

nufgLstf{sf] vftf /f]Ssf u/L To;sf] hfgsf/L t'?Gt lgisfzg tyf ljqmL k|aGwsnfO{ lbg'kg]{5

.

(= l;l8P; P08 lSnol/Ë lnld6]8af6 pknAw u/fO{Psf] æd]/f] z]o/Æ ;ˆ6j]o/af6 klg cfj]bsn]

cfj]bg ug{ ;Sg]5g\ . To;sfnflu cfj]bsn] ;DalGwt a}+s tyf ljQLo ;+:yfaf6 CRN g+=

lnO{;s]sf] x'g'kg]{5 .

!)= Ps JolQmn] cfkm'n] lng rfx]sf] ;Dk"0f{ z]o/sf] nflu Psj6f dfq cfj]bg u/]sf] x'g' kg]{5 . olb

Ps} JolQmn] Ps eGbf a9L cfj]bg lbPsf] e]l6Pdf lghn] lbPsf] ;a} cfj]bgx?nfO{ /2 ul/g]5 .

!!= ;Ël7t ;+:yfn] k|f/lDes ;fj{hlgs lgisfzg dfkm{t hf/L u/]sf] z]o/ vl/bsf nflu k|fs[lts

JolQmn] dfq b/vf:t lbg ;Sg]5 . tf]lsPsf] cjlwleq laqmL gePdf ;Ël7t ;+:yf jf k|rlnt

sfg"g adf]lhd :yfkgf ePsf ;+:yfn] To:tf] z]o/ vl/b ug{ ;Sg]5 .

!@= ?=% nfv ;Dd /sd a/fa/sf] cfj]bg ug]{ b/vf:tjfnfn] :j]lR5s ?kdf / ?= % nfv eGbf a9L

/sd a/fa/sf] cfj]bg ug]{ b/vf:tjfnfn] clgjfo{ ?kdf Kofg (PAN No.) gDa/ b/vf:t

kmf/ddf v'nfpg' kg]{5 .

u=!!= ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M

lgisf;gstf{ ;+ul7t ;+:yf / lgDglnlvt kIf aLr ljut @ aif{sf] cjlwdf s'g} k|sf/sf] a:t'ut sf/f]jf/

ePsf] jf s'g} sf/f]jf/ ug{ k|:tfj ul/Psf] eP sf/f]jf/df ;+nUg JolQmx?sf] gfd, ltgLx?sf] ;+ul7t

;+:yf;Fusf] ;DaGw, sf/f]af/sf] k|s[lt / /sd M

-s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfnssf] ?kdf /x]sf] JolQm M ;f] gePsf] .

-v_ cfwf/e't z]o/wgL M ;f] gePsf] .

30

-u_ v08 -s_ / -v_ df pNn]lvt s'g} JolQmsf] Psf3/ kl/jf/sf] ;b:o M ;f] gePsf] .

-3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfns jf cfwf/e"t z]o/wgLn] #) k|ltzt jf ;f] eGbf a9L

dtflwsf/ x'g] u/L z]o/ :jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yf M ;f] gePsf] .

-ª_ ;+ul7t ;+:yf jf To;sf] ;xfos sDkgLn] xfnsf] ;+rfns jf lghsf] Psf3/sf] kl/jf/sf] ;b:osf

nflu s'g} sf/f]jf/ jf ;Demf}tf u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # aif{ cufl8sf]

cjlwdf ;+:yfsf] ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]jf/ jf ;Demf}tf

u/]sf] eP ;f] s'/f M ;f] gePsf] .

-r_ s'g} ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP

pQm C0f ;DaGwL lj:t[t ljj/0f h:t} C0f afkt lnPsf] /sd, C0fsf] Aofhb/, C0f lnPsf] ldlt,

C0f e'QmfgL cjlw cflb s'/f ljj/0fkqdf v'nfpg' kg]{ M ;f] gePsf] .

u=!@= ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f M

ljb]zL nufgL / Joj:yfkgdf ;+ul7t ;+:yf ;+rfng x'g] eP ;f] sf] ljj/0fsf ;fy} ;DalGwt ;Demf}tfsf]

d'Vo tyf tflTjs a'Fbfx? M sDkgLdf ljb]zL nufgL / ljb]zL Joj:yfkg g/x]sf] .

u=!#= ;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisf;g ug]{ ePdf b]xfosf] ljj/0f pNn]v ug'{kg]{ M

-s_ ;+ul7t ;+:yfsf] ljut # cfly{s aif{sf] k|To]s q}dfl;s cjlwsf] pRrtd, Go"gtd, clGtd ahf/

d"Nosf ;fy} sf/f]jf/ ePsf] z]o/ ;+VofM lgisfzgstf{ sDkgL ;"rLs[t ;+ul7t ;+:yf gePsf] .

-v_ af]8{df ljj/0fkq btf{sf] nflu k|:t't ug'{ eGbf ^ dlxgf cufl8sf] cjlwsf] dfl;s ?kdf pRr, Go"g

/ clGtd d"Nosf ;fy} k|To]s dlxgfdf sf/f]jf/ ePsf] s'n lbg / s'n sf/f]af/ ePsf] lwtf]kqsf]

;+Vof M gePsf] .

u=!$= kl5Nnf] ;fj{hlgs lgisf;gsf] cg'dfg tyf pknlAw ;DaGwL ljj/0f M

sDkgLn] o; eGbf cufl8 lwtf]kq lgisf;g ubf{ tof/ u/]sf] ljj/0fkq jf cGo ljj/0fx?df pNn]lvt

ul/Psf nIo tyf sfo{qmdx? tyf v'b d'gfkmf xfl;n ug{ ;s]÷g;s]sf], g;s]sf] cj:yfdf nIo tyf

sfo{qmdsf ;fy} ljj/0fkq jf cGo ljj/0fx?df k|If]lkt v'b d'gfkmf eGbf aL; k|ltzt jf ;f] eGbf a9Ln]

Go"g x'g uPsf] eP o;/L km/s kgf{sf] sf/0f M xfn;Dd s'g} ;fj{hlgs lgisf;g gul/Psf] .

u=!%= k/fdz{bftf÷ laz]if1 ;DaGwL ljj/0f M

-s_ n]vfk/LIfs, k|d'v a}+s, lgisf;g sfo{;Fu ;+nUg a}+s, k|If]lkt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft

ug]{ lj1 cflbsf] gfd tyf 7]ufgf M

c_ sDkgLsf] cf=j=@)&%÷&^ sf] cfDbfgL vr{ lx;fa tyf jf;nftsf] n]vfk/LIf0f Zofd sfsL{

P08 s+= sf rf6{8 Psfp06]G6 Zofd sfsL{n] ug'{ePsf] 5 / cf=j= @)&^÷)&& sf] n]vfkl/If0f

nflusf nflu ;d]t Zofd sfsL{ P08 s+=nfO{ lgo'Qm ul/Psf] 5 .

cf_ o; lgisfzgsf] nflu k|d'v a}+ssf] Aoa:yf ul/Psf] 5}g .

O_ l;–cf:af k|0ffnL sfof{Gjog ePsf] ;Gbe{df lgisfzg a}+ssf] cfjZostf gx'g] ePtf klg

;fd'lxs nufgL sf]if, aLdf sDkgLdf sfo{/t sd{rf/Lx? tyf l;–cf:af ;b:o a}+s tyf

ljQLo ;+:Yffx? dfkm{t ;+slnt /sd hDdf ug]{ k|of]hgsf] nfuL l;4fy{ a}+s lnld6]8sf]

xfQL;f/ zfvf sfof{nodf vftf vf]lnPsf] 5 .

O{_ o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg

tyf cfwf/x? k'g/fjnf]sg u/L ;f] cfwf/df tof/ ul/Psf ljQLo k|If]k0fsf ljj/0f oyfy{k/s

/x]sf] egL k|dfl0ft ug]{ ljz]if1df cf/=s]=P;= Pzf]l;P6\;sf rf6{8 PsfpG6]06;\ >L /fh]z

s'df/ zfx x'g'x'G5 .

;+:yf jf JolQm;Fu ePsf] ;xdltsf d'Vo d'Vo a'Fbf tyf zt{x? M ;f] gePsf] .

u=!^= cfof]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisf;g afx]s cGo ljQLo >f]tx? k|of]u ul/Psf] 5÷5}g,

tT;DaGwL ljj/0f M ;f] gePsf] .

u=!&= d'2f tyf ljjfb ;DaGwL ljj/0f M

31

-s_ ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;+rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2fdfldnf jf

ljjfb eP ;f] ;DaGwL ljj/0f tyf pk/f]Qm d'2f jf ljjfbsf] sf/0faf6 kg{ ;Sg] k|efj ;DaGwdf

Joj:yfkgsf] wf/0ff M ;f] gePsf] .

-v_ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;+rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL

ljj/0f M ;f] gePsf] .

-u_ ljut kfFr jif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;~rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf

cfly{s sf/0faf6 s'g} lgodg lgsfo jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;+:yfks÷;+rfnssf]

gfd / ;hfo ug]{ lgodg lgsfo jf cbfntsf] gfd pNn]v ug'{kg]{ M ;f] gePsf] .

-3_ ;+ul7t ;+:yf a}+s jf ljQLo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf],

lwtf]kqjfnfx?sf] s'g} /sd e'QmfgL gul/Psf] eP tT;DaGwL ljj/0fx? M ;f] gePsf] .

u=!*= u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M

lgisflzt lwtf]kq ;DalGw nufgLstf{x?sf] u'gf;f] tyf ;'emfj ;'Gg tyf ;f] sf] ;dfwfgsf nflu lwtf]kq

lgisfzg tyf laqmL k|aGwssf] sfof{nodf Ps ljz]if sIfsf] Joj:yf ul/Psf] 5 . nufgL stf{x?n] b]xfosf]

dfWod dfkm{t cfˆgf] u'gf;f] tyf ;'emfjx? >L l/s]z >]i7nfO{ kmf]g g+=M)!$$@)(@$ dfkm{t ;Dks{ u/L

k|]lift ug{ ;Sg]5g\ .

u=!(= gub glnO{ s;}nfO{ lwtf]kq lgisf;g ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, vl/b ul/Psf] ;DklQ

jf ;]jf ;DaGwL ljj/0f, lgisfzg ul/Psf] lwtf]kqsf] ;+Vof / b/ ;DaGwL ljj/0f M ;f] gePsf] .

u=@)= C0fkq lgisf;g ;DaGwL ljj/0f M xfn;Dd sDkgLn] C0fkq hf/L u/]sf] 5}g .

u=@!= cu|flwsf/ z]o/ lgisf;g ;DaGwL ljj/0f M ;f] gePsf] .

u=@@= cGo ;fdfGo hfgsf/L M

-s_ ljz]if1sf] s'g} /fo ePdf, ;f] sf] ljj/0f M o; ljj/0fkqdf pNn]lvt ljQLo ljj/0f tyf k|If]k0fsf]

cg'dfg tyf cfwf/x? xfnsf] aLdf ahf/sf] l:ylt, lgisfzgstf{ sDkgLsf] xfnsf] bIftf /

lgisfzgstf{ sDkgLn] k|fKt u/]sf] xfn;Ddsf] sfo{ k|ultsf] cfwf/df k'g/fjnf]sg u/L ljj/0f 7Ls

5 egL rf6{8{ Psfp06]06 ;+:yf cf/=s=]P; P08 P;f]lzo6\;, sf7df08f}+sf rf6{8{ Psfp06]06 >L

/fh]z s'df/ zfxn] k|dfl0ft ug'{ePsf] 5 .

-v_ ut tLg cfly{s jif{leqdf s'g} ;+rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f] sf] sf/0f M gePsf] .

-u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M

a'9fgLns07, sf7df8f}+ lgjf;L :gfts z}lIfs of]Uotf xfl;n u/L, aLdf If]qdf sl/j @! jif{ eGbf

a9Lsf] sfo{ cg'ej ePsf >L lszf]/ k|;fb nfld5fg], gfoa k|d'v sfo{sf/L clws[t tyf o;

sDkgLsf] sDkgL ;lrjsf] ?kdf sfo{/t /xg'ePsf] .

-3_ ;fj{hlgs lgisf;g ug{sf nflu ;+rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M

sDkgLsf] hf/L k"FhL ?= @,)),)),)),))).– lsQf dWo] ;j{;fwf/0fsf] nflu 5'§fOPsf] #) k|ltzt n]

x'g cfpg] ^),)),))) lsQf z]o/ lgisf;g k|of]hgfy{ g]kfn lwtf]kq af]8{ ;dIf lgj]bg k]z ug]{

nufot of] ;Fu ;DaGwL cfjZos ;Dk"0f{ k|s[ofsf] nflu ldlt @)&^÷)&÷)* df a;]sf] ;+rfns

;ldltsf] %$ cf}+ a}7ssf] lg0f{o cg';f/ k|d'v sfo{sf/L clws[tnfO{ clVtof/L k|bfg ug]{ lg0f{o

ePsf] .

-ª_ ;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if s/ ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M

gePsf] .

-r_ ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub

k|jfx ljj/0f k|fKt ug{ jf x]g{ ;Sg] 7fpF / ;do M

sfof{no ;doleq lgDglnlvt :yfgx?df sDkgLsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf]

jf;nft, gfkmf–gf]S;fg lx;fj tyf gub k|jfxsf] ljj/0f k|fKt ug{ jf lg/LIf0f ug{ ;lsg]5 .

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!= sDkgLsf] /lhi68{ -s]Gb|Lo_ sfof{no, sdnfbL, sf7df8f}+ .

@= lwtf]kq lgisfzg tyf laqmL k|aGws >L l;4fy{ Soflk6n lnld6]8, gf/fo0frf}/, gS;fn,

sf7df08f} .

-5_ af]g; z]o/ ;DaGwL Joj:yf M

xfn;Dd af]g; z]o/ hf/L ul/Psf] 5}g . eljiodf k|rlnt P]g / g]kfn lwtf]kq af]8{sf] k|rlnt

af]g; z]o/ lgisf;g ;DaGwL Joj:yf cg';f/ af]g; z]o/ hf/L ug{ ;Sg]5 .

-h_ z]o/jfnf, sd{rf/L jf c? s;}sf] nflu z]o/ ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M

o; ljj/0fkqåf/f lgisfzg ul/Psf] k|lt ;fwf/0f z]o/ ?=!)).— clÍt d"Nosf s'n ^),)),)))

lsQf ;fwf/0f z]o/ dWo] % k|ltzt cyf{t\ #,)),))) lsQf ;fwf/0f z]o/ sDkgLdf sd{rf/Lx?sf

nflu 5'6\ofP/ ;'/lIft /flvPsf] tyf %Þ k|ltzt cyf{t\ #,)),))) lsQf ;fwf/0f z]o/ ;fd'lxs

nufgL sf]ifsf] lglDt 5'6\ofP/ ;'/lIft /flvPsf] 5 . sd{rf/Lx?sf] nflu o;/L 5'6\ofOPsf] z]o/

sd{rf/Laf6 dfu eO{ cfPsf] xsdf ;~rfns ;ldltn] cf}lrTok"0f{ tj/af6 afF8kmfF8 ug]{]5 /

sd{rf/Laf6 ;Dk"0f{ z]o/sf nflu dfu eO{ gcfPsf] cj:yfdf afFsL z]o/x? ;j{;fwf/0fdf afF8kmfF8

ul/g]5 .

-em_ sDkgLn] sDkgL P]gn] u/]sf] Joj:yfx?, cfˆgf] sf/f]af/;Fu ;DalGwt P]g, lgod tyf lgodg

Joj:yf k"0f{ kfngf u/]sf] ;DaGwdf u/]sf] pb\3f]if0f M

sDkgLn]] sDkgL P]g, @)^# n] u/]sf] Joj:yfx¿ cfkm"n] ug]{ Joj;fo;+u ;DalGwt P]g, lgod tyf

lgodg Joj:yf tyf lgodg lgsfox?n] lbPsf] lgb]{zgx?sf] k"0f{?kdf kfngf u/]sf] 5 / ;f]xL

lgb]{zgx¿sf] bfo/fleq /xL sfo{ ul//x]sf] / o; ljj/0f–kqdf pNn]v ul/Psf] ljj/0fx¿;d]t ;f]xL

cg'?k tof/ ul/Psf] xf] eGg] sDkgLsf] pb\3f]if0f /x]sf] 5 .

-`_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M

o; ljj/0fkq dfkm{t lgisfl;t ;fwf/0f z]o/sf] cfj]bg kmf/fd g]kfn lwtf]kq af]8{af6 :jLs[lt k|fKt

u/]sf ;Dk"0f{ cf:jf -ASBA_ ;b:o a}+s tyf ljQLo ;+:yfx? / ltgsf zfvf sfof{nox?df b/vf:t

/sd a'emfpg ;lsg]5 .

-6_ ljj/0fkq tof/ ug]{ JolQmsf] gfd, y/, z}lIfs of]Uotf / cg'ejsf] ljj/0f M

o; ljj/0fkq tof/ kfg]{ Joj;flos ;+:yfdf laqmL k|aGws l;4fy{ Soflk6n lnld6]8, gf/fo0frf}/,

gS;fn, sf7df08f}+ /x]sf] 5 .

-7_ ;sf/fTds kIfx? M

cg'ejL tyf k|ltli7t AolQmx?af6 k|jl4t ;Ifd tyf k|efjsf/L Joj:yfkg .

kf/blz{tf / ;+:yfut ;'zf;g

u'0f:t/Lo aLdf ;]jf / ;/nLs[t ;]jf k|jfx

;+:yfut ;fdflhs pQ/bfloTj

-8_ z]o/ /lhi6«f/ ;DaGwL Joj:yf M

g]kfn :6s PS;r]Gh lnld6]8df ;"rLs/0f u/] kZrft\ z]o/sf] bflvn vf/]h, b:tvt ?h' cflb

;DaGwL sfo{ o; sDkgLsf] sfof{noaf6 jf sDkgLsf] ;+rfns ;ldltn] tf]s] adf]lhd z]o/

/lhi6«f/sf] sfof{noaf6 x'g] u/L Joj:yf ul/g]5 .

-9_ lwtf]kq laqmL v'Nnf cjlw M

o; ljj/0fkqdfkm{t lgisf;g ul/g] ;fwf/0f z]o/sf] nflu cfj]bg lbg] cjlw clwstd !% lbgsf]

x'g]5 . cfjZostf eGbf a9L ;fwf/0f z]o/sf] nflu cfj]bg kg{ cfPdf s'g} klg avt ;fwf/0f

z]o/sf] laqmL aGb ug{ ;lsg]5 t/ ljj/0fkqdf ul/Psf] Joj:yf cg';f/ s'g} klg xfntdf $ sfo{

lbgeGbf cufl8 z]o/ vl/bsf] cfj]bg lng] sfd aGb ul/g] 5}g .

33

-0f_ qm]l86 /]l6Ë ;DjGwL ljj/0f M

o; ;+:yfnfO g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt qm]l86 /]l6Ë ;+:yf O{qmf g]kfn lnld6]8,

l8NnLahf/, sf7df8f}+n] [ICRANP-IR] BB+” /]l6Ë k|bfg u/]sf] 5 . h;n] sDkgLsf] ljQLo bfloTj

axg ug]{ Ifdtfdf cf};t hf]lvd /x]sf]] (Moderate risk of default regarding timely servicing of financial

obligations) hgfpFb5 . ;f] u|]l8Ë sf] j}wtf cjlw Ps aif{ /xg]5 . Oqmf g]kfn ln= n] [ICRANP-IR] AAA

b]lv [ICRANP-IR] D KjfOG6 u|]l8Ë k|bfg ub{5 . lbO{g] cfwf/x?dfk|of]u ul/g] (+) lrGxn] lbO{Psf] ;d"xsf]

t'ngfTds ;sf/fTds l:yltnfO{ hgfpFb5 eg] (-) lrGxn] lbO{Psf] ;d"xsf] t'ngfTds gsf/fTds

l:yltnfO{ hgfpFb5

qm]l86 /]l6Ë u|]8 k|bfg u/]sf] ldlt M @)&&÷)^÷!$ qm]l86 /]l6Ë u|]8 axfn /xg] ldlt M

@)&*÷)^÷!# ;Dd

u=@#= o; ljj/0fkqdf k|sflzt tYo tyf ljj/0fx? 7Ls b'?:t 5g, ;f] df s'g} km/s k/]df xfdL ;+rfnsx? k"0f{

?kdf lhDd]jf/ x'g]5f}+ egL ;xL 5fk ug]{ ;+rfns tyf lj1x?sf] gfd tyf b:tvt .

qm=;= ;+rfnsx?sf] gfd kb b:tvt

!= 8f= cfTdf/fd l3ld/] cWoIf

@= >L ;'efif cdfTo ;+rfns

#= >L dlg/fd kf]v/]n ;+rfns

$= >L /fd]Zj/ ;fksf]6f ;+rfns

%= >L g/]z axfb'/ dNn ;+rfns

^= >L ck"j{ k|;fb hf]zL ;+rfns

34

u=@$ lgisf;g tyf laqmL k|aGwssf] k|:t't u/]sf] k|lta4tf kq -8\o' 8]lnh]G;\ ;l6{lkms]6_ sf] k|lt M

35

u=@% ljj/0fkq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;DaGwL kq M

Documents

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