68...jflnª zfvf, :ofª\hf sdn sfgt clwsf/l ledfg zfvf, l;gw'nl ljho s'df/ zfx lesf]{6 zfvf,...

1 jflif{s k|ltj]bg @)&$÷&%

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

cWoIfHo"sf] dGtJo (

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

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

;]jf tyf ;'ljwfx? @^

;+:yfut ;fdflhs pQ/bfloTj ##

n]vfk/LIfssf] k|ltj]bg -PsLs[t_ #%

PsLs[t ljQLo cj:yfsf] ljj/0f -jf;nft_ #&

PsLs[t gfkmf gf]S;fgsf] ljj/0f #*

PsLs[t cGo lj:t[t cfDbfgLsf] ljj/0f #(

PsLs[t gub k|jfx ljj/0f $)

PsLs[t OlSj6Ldf ePsf] kl/jt{gsf] ljj/0f $@

k|d'v n]vf gLltx? tyf n]vf ;DaGwL l6Kk0fLx? $^

pb\3f]if0f tyf cltl/Qm ljj/0fx? !)#

g]kfn /fi6« a+}ssf] :jLs[ltkq !#!

g]kfn /fi6« a+}ssf] lgb]{zgx?sf] sfof{Gjog ;DaGwdf !#@

k|aGwkq / lgodfjnLdf ul/Psf] ;+zf]wg !##

2jflif{s k|ltj]bg @)&$÷&%


vnËf zfvf, bfr{'nf nf]s /fh e6\6 d'Vo zfvf, sdnfbL, sf7df8f}+ cdTo{ cf]hZjL pkfWofo

a}t8L zfvf, a}t8L ho /fh e6\6§ 7d]n zfvf, sf7df8f}+ u0f]z 9sfn

hf]ua'9f zfvf, 88]Nw'/f g/]z atf}{nf d}ltb]jL zfvf, sf7df8f}+ cld >]i7

dx]Gb|gu/ zfvf, s~rgk'/ ;+hf]u e6\6 gofF afg]Zj/ zfvf, sf7df8f}+ k+r:s/ >]i7

wgu9L zfvf, s}nfnL ;fu/ cf]emf gofF afg]Zj/ zfvf -bf];|f]_, sf7df8f}+ cldt zdf{

Wfgu9L zfvf -bf]>f]_, s}nfnL kbd axfb'/ rGb 1fg]Zj/ zfvf, sf7df8f}+ ;'nf]rg jfUn]

;fFkm]au/ zfvf, c5fd df]lt /fh /]UdL skg zfvf, sf7df8f}++ dgf]h /fh kf7s

b}n]v zfvf, gf/fo0f g=kf=, b}n]v ch'{g kf}8]n rfjflxn zfvf, sf7df8f}+ /fd k|;fb e6\6/fO{

sflnsf]6 zfvf, sflnsf]6 wg"/fh kf}8]n dxf/fhu~h zfvf, sf7df8f}+ tk/fh hf]zL

u]?jf zfvf, alb{of lagf]b u'?Ë af}4 zfvf, sf7df8f}+ bz/y ;fx

g]kfnu~h zfvf, afFs] nf]s]Gb| e08f/L u+ua' zfvf, sf7df8f}+ ;Ldf k|wfg

sf]xnk'/ zfvf, afFs] lzj b]j uf}td hfjnfv]n zfvf, nlntk'/ ;'/]z sf/fv]tL

la/]Gb|gu/ zfvf, ;'v]{t ljZj /fh s]=zL= s'df/Lkf6L zfvf, nlntk'/ ;~h' g]kfn

vnËf zfvf, ;Nofg Zff}/e Gof}kfg] l7dL zfvf, eQmk'/ clngf >]i7

t'n;Lk'/ zfvf, bfª lj/ axfb'/ e08f/L ;'o{ljgfos zfvf, eQmk'/ /]jGt >]i7

3f]/fxL zfvf, bfª z/b clwsf/L :ofk|m'j]zL zfvf, /;'jf 5f]Sofn bf]h]{ nfdf

P]/fjtL zfvf, Ko'7fg z'l;n kf]v|]n 6fF8L zfvf, lrtjg led k|;fb kf]v/]n

hf]d;f]d zfvf, d':tfª ;'ldtf z]kf{ x]6f}8f zfvf, dsjfgk'/ lg/~hg b]jsf]6f

tD3f; zfvf, u'NdL ;flns /fd klGy x]6f}+8f zfvf -bf]>f]_, dsjfgk'/ dfwjL af];

c3f{vfFrL zfvf, ;lGwvs{, c3f{vfFrL

ls/0f l3ld/] jL/u~h zfvf, k;f{ o;kfn s'df/ lta|]jfn

lhtk'/ zfvf, slknj:t' ;/f]h e08f/L jL/u~h zfvf -bf]>f]_, k;f{ cld|t s6\6]n

tf}lnxjf zfvf, slknj:t' /fh]Gb| k|;fb zdf{ rf}tf/f zfvf, l;Gw'kfNrf]s /fd s[i0f k/fh'nL

s'Zdf zfvf, ?kGb]xL cho ljqmd zfx O{Gb|fjtL zfvf, l;Gw'kfNrf]s ;lbk l;+x 7s'/L

;}gfd}gf zfvf, ?kGb]xL pdfsfGt ltjf/L x]nDa' zfvf, l;Gw'kfNrf]s /fh]z 9sfn

a'6jn zfvf, ?kGb]xL ch'{g v8\sf kfFrkf]v/L zfvf, l;Gw'kfNrf]s ;Gtf]if dxt

a'6jn zfvf -bf];|f]_, ?kGb]xL ;Gt' ;'j]bL rl/sf]6 zfvf, bf]nvf slkn k|;fb e08f/L

e}/xjf zfvf, ?kGb]xL laKnjL qLkf7L af3vf]/ zfvf, bf]nvf dlgzf >]i7

s6}of zfvf, ?kGb]xL nId0f kGyL d}gfkf]v/L zfvf, bf]nvf z'l;n s'df/ pk|]tL

dlgu|fd zfvf, ?kGb]xL c?0f kf08] dGynL zfvf, /fd]5fk k'is/ nfld5fg]

tfg;]g zfvf, kfNkf 6+s k|;fb Gof}kfg] v'sf]{6 zfvf, l;Gw'nL Zf}n]Gb| zdf{

/fdk'/ zfvf, kfNkf s[i0f e08f/L l;Gw'nL zfvf, l;Gw'nL s]za k|;fb b]jsf]6f

jflnª zfvf, :ofª\hf sdn sfGt clwsf/L ledfg zfvf, l;Gw'nL ljho s'df/ zfx

lesf]{6 zfvf, :ofª\hf /laGb| g]kfn xl/jg zfvf, ;nf{xL ;nd l;+x jfO{jf

kf]v/f zfvf, sf:sL OlGb/f kg]? /fdgu/ zfvf, ;nf{xL ;'lgn s'df/ d]xtf

kf]v/f zfvf -bf]>f]_, sf:sL wd{ bQ zdf{ lvlhb]Daf zfvf, cf]vn9'Ëf ;'dg l/dfn

n]vgfy zfvf, sf:sL >[li6 9sfn cf]vn9'Ëf zfvf, cf]vn9'Ëf ;lGbk af/fsf]6L

;'gjn zfvf, k/f;L gf/fo0f k|;fb l3ld/] hgsk'/ zfvf, wg'iff z}n]Gb| >]i7

/hx/ zfvf, gjnk'/ hgs pkfWofo nIdLgLof zfvf, wg'iff cho s'df/ ofbj

sfjfzf]tL zfvf, gjnk'/ Uff]kfn vgfn /f}tfdfO{ zfvf, pbok'/ /};'n cfhd



gf/fo0fu9 zfvf, lrtjg nIdL yklnof lai0f'k'/ zfvf, l;/xf O{Zj/ ltldlN;gf

gf/fo0fu9 zfvf -bf]>f]_, lrtjg lzj xl/ kf08] nfxfg zfvf, l;/xf cd/]Gb| ;fx

efg' zfvf, tgxF' ;'bLk hf]zL ef]hk'/ zfvf, ef]hk'/ ;dLk >]i7

dn]v' zfvf, wflbª lhjg afFlgof w/fg zfvf, ;'g;/L ;lag >]i7

wflbª zfvf, wflbªj]zL, wflbª /]z' clwsf/L O{6x/L zfvf, ;'g;/L a;Gt l3ld/]

led;]g zfvf, uf]vf{ ;'dg aufn] lj/f6gu/ zfvf, df]/Ë cleif]s sfsL{

lqk'/f;'Gb/L zfvf, wflbª b]j]Gb| lu/L lj/f6gu/ zfvf -bf]>f]_, df]/Ë lagf]b /fh yfkf

Hjfnfd'vL zfvf, wflbª cfTdf /fd bjf8L u|fdyfg zfvf, df]/Ë ?k]z /fhj+zL

snÍL zfvf, sf7df8f}+ s0f{ axfb'/ yfkf bds zfvf, emfkf ;Gtf]if s'df/ s6jfn

6]s' zfvf, sf7df8f}+ un]s s'df/ ofbj ljtf{df]8 zfvf, emfkf s'nlbk ladf]nL

gofF;8s zfvf, sf7df8f}+ k|df]b Gof}kfg] /f]Ë zfvf, O{nfd k|sfz e6\6/fO{

gofF;8s zfvf -bf]>f]_, sf7df8f}+ ;'lgtf yfkf s'Ddfos zfvf, kfFry/ s[i0f af:tf]nf

z}Nolzv/ PS;\6]G;gsfpG6/, bfr'{nf

ch'{g axfb'/ a6fnfx/x/dxfb]j PS;\6]G;g sfpG6/, sf7df8f}+

;'jf; e6\6/fO{

kxndfgk'/ PS;\6]G;gsfpG6/, s}nfnL

/fh]Gb| l;+x ;fpb9'+u|]jf; PS;\6]G;gsfpG6/, l;Gw'nL

u0f]z yfkf

sk'/sf]6 PS;\6]G;gsfpG6/, ;Nofg

/fhg e08f/Lldlynf laxf/L PS;\6]G;g sfpG6/, wg'iff

clgn s'df/ hf]zL

?? PS;\6]G;gsfpG6/, u'NdL

lbg]z kGyLgu/fO{g PS;\6]G;gsfpG6/, wg'iff

/f]zg s'df/ 7fs'/

dfnf/fgL PS;\6]G;gsfpG6/, c3f{vfFrL

;'/h s+8]na/fxf PS;\6]G;gsfpG6/, ;'g;/L

k|zfGt rf}w/L

dfyfu9L PS;\6]G;gsfpG6/, kfNkf

dlgif cfrfo{sf]zL PS;\6]G;gsfpG6/, ;'g;/L

/f]hg Gof}kfg]

bxrf]s PS;\6]G;gsfpG6/, sf7df8f}+

k|sfz >]i7wgkfnyfg PS;\6]G;gsfpG6/, df]/Ë

dlgif l3ld/]

/fwfs[i0f dlGb/ PS;\6]G;g sfpG6/, sf7df8f}+

lgd{{nf af/fsf]6L/t'jfdfO{ PS;\\6]G;gsfpG6/, df]/Ë

/]dg >]i7

l8l8l; PS;\6]G;gsfpG6/, sf7df8f}+

cg' d'NdLlzj;tfIfL PS;\6]G;gsfpG6/, emfkf

k'hf clwsf/L



skf{]/]6 sfof{nosf=d=g=kf=–@* -;flas #!_, /fOlhË dn, sdnfbL, sf7df8f}+kf]i6 aS; g+= @^%%( kmf]gM (&&–!–$!^(@!^÷!&, k\mofS;M (&&–$!^(@!%

a}+ssf zfvf tyf sfof{nox?$&= wflbª zfvf lgns07 g=kf= – #, wflbªj]zL, wflbª kmf]gM )!)–%@!!)@÷)#÷)$ k\mofS;M )!)–%@!!)%

$*= lqk'/f;'Gb/L zfvf lqk'/f;'Gb/L ufFpkfnlsf – @, ;Nofg6f/, wflbª kmf]gM(*$!(()&!@÷)^!–@)!&(^

$(= dn]v' zfvf /f]/fª ufFpkfnlsf – @ a]gL3f6, dn]v', wflbª kmf]gM )!)–$)))!* k\mofS;M )!)–$)))!&

%)= gofF afg]Zj/ zfvf sf=d=g=kf= – #$, gofF afg]Zj/ sf7df8f}+, kmf]gM )!–$!)&@$&÷$*÷$(

%!= gofFafg]Zj/ zfvf -bf]>f]_ sf=d=g=kf= – !), gofFafg]Zj/ rf]s kmf]gM )!–$$*%$*)÷$$*&)&!÷)&@

%@= gofF ;8s zfvf sf=d=g=kf= – @@, lvrfkf]v/L gofF ;8s, sf7df8f}+ kmf]gM )!–$@%!@((÷(#÷**, $@%!*$% k\mofS;M )!–$@%!%!%

%#= gofF;8s zfvf -bf]>f]_ sf=d=g=kf= – @@, /~hgf uNnL gofF;8s, sf7df8f}+ kmf]gM )!–$@%^&*&÷&(&

%$= hfjnfv]n zfvf nlntk'/ d=g=kf= – $ hfjnfv]n, nlntk'/ kmf]gM )!–%%%$%)^÷)*÷)( k\mofS;M )!–%%%$%)&

%%= s'df/Lkf6L zfvf nlntk'/ d=g=kf= – !(, s'df/Lkf6L nlntk'/, kmf]gM )!–%%$(^#&÷$&

%^= skg zfvf sf=d=g=kf= – ^ ;/:jtLgu/, skg, sf7df8f}+ kmf]gM )!–*!@^)#÷)$÷)% k\mofS;M )!–$*!@^)@

%&= 6]s' zfvf sf=d=g=kf= – !!, dNn sDKn]S;, lqk'/]Zj/, 6]s', sf7df8f}+ kmf]gM )!–$@@$@!(÷$@##@^!

%*= af}4 zfvf sf=d=g=kf=–^, lkknaf]6, af}4, sf7df8f}+ kmf]gM )!–$(!^#@@÷$(!))@$÷!% k\mofS;M )!–$(!^#@!

%(= d}ltb]jL zfvf sf=d=g=kf= – !#, d}ltb]jL, sf7df8f}+ kmf]gM )!–$$!(&*%÷(@*÷(*& k\mofS;M )!–$$!(&*$

^)= 1fg]Zj/ zfvf sf=d=g=kf= – !,1fg]Zj/, sf7df8f}+ kmf]gM)!–$$$%!%)÷%!÷%@÷%#÷%$÷%% k\mofS;M )!–$$$%!$(

^!= uf]+ua' zfvf 6f]vf g=kf= – (, uf]+ua' rf]s, sf7df8f}+ kmf]gM )!–$#%$$%!÷$#%)*)# k\mofS;M )!–$#%)@)#

^@= 7d]n zfvf sf=d=g=kf= – @^ eujtL dfu{, 7d]n, sf7df8f}+, kmf]gM )!–$&)!#%&÷%*÷%( k\mofS;M )!–$&)!#^@

!= d'Vo zfvf sf=d=g=kf= – @* -;flas #!_, /fOlhË dn, sdnfbL, sf7df8f}+ kmf]gM (&&–!–$!^(@%), k\mofS;M (&&–$!^(@^)

@= vnËf zfvf, bfr'{nf dfxfsfnL g=kf= – %, vnËf, bfr'{nf kmf]gM )(#–$@)#)&

#= a}t8L zfvf bz/yrGb g=kf= – $, uf]7fnfkfgL, a}t8L kmf]gM )(%–%@)%##÷#$

$= hf]ua'9f zfvf k/z'/fd g=kf= – !@, 88]nw'/f kmf]gM )(^–$!!)^&÷^*÷^( k\mofS;M )(^–$!!)&)

%= dx]Gb|gu/ zfvf ledbQ g=kf= – $, d'Vo nfO{g dx]Gb|gu/, s~rgk'/ kmf]gM )((–%@)))(÷%@))(^

^= sflnsf]6 zfvf vfF8frqm g=kf= – !, dfGdf ahf/, sfnLsf]6 kmf]gM )*&–$$))(*

&= wgu9L zfvf wgu9L pk=d=g=kf=– @, rf}/fxf, s}nfnL kmf]gM )(!–%@%$(&÷%@%#(!÷(@

*= wgu9L zfvf -bf]>f]_ wgu9L pk=d=g=kf= – #, uf]bfjf/L /f]8, rf}/fxf, s}nfnL kmf]gM )(!–$!&@*^÷$!^&*&

(= ;fFkm]au/ zfvf ;fFkm]au/ g=kf= – #, ;fFkm]au/, c5fd kmf]gM )(&–^@%!$(÷%)÷%! k\mofS;M )(&–^@%!%@

!)= u]?jf zfvf u]?jf ufpFkflnsf – % kz'kltgu/, alb{of kmf]gM )*!–^($$#@÷##

!!= la/]Gb|gu/ zfvf la/]Gb|gu/ g=kf – ^ a'4 dfu{, ;'v{]t kmf]gM )*#–%@#*^$÷%@#&*)

!@= b}n]v zfvf gf/fo0f g=kf= – ! b]jsf]6f rf]s, b}nv kmf]gM )*(– $!))^^÷$@)%^& k\mofS;M )*(–$!))((

!#= sf]xnk'/ zfvf sf]xnk'/ g=kf= – !!, Go'/f]8, afFs] kmf]gM )*!–%$!*#@÷%$!*^!

!$= g]kfnu~h zfvf g]kfnu~h pk=d=g=kf= – ! ;'v]{t /f]8, g]kfnu~h, afFs] kmf]gM )*!–%@&%$@÷$#÷%@&)!* k\mofS;M )*!–%@*(

!%= vnËf zfvf, ;Nofg ;f/bf g=kf= – @, 8f8FfufpF vnËf, ;Nofg kmf]gM )**–%@)#(

!^= 3f]/fxL zfvf 3f]/fxL pk=g=kf= – !%, gofF ;8s, bfª, 3f]/fxL kmf]gM )*@–%^#$@% k\mofS;M )*@–%^#$%#

!&= t'n;Lk'/ zfvf t'n;Lk'/ pk=g=kf= – %, aflxgL rf]s, bfª kmf]gM )*@–%@!*#(÷%@!*$) k\mofS;M )*@–%@!*$@

!*= P]/fjtL zfvf P]/fjtL ufpFkflnsf – @, j/f}nf, Ko'7fg kmf]gM (*%&*#$))*

!(= tD3f; zfvf /];'Ëf g=kf=–!, k'tnLahf/ tD3f;, u'NdL kmf]gM )&(–%@)(#$÷#%

@)= hf]d;f]d zfvf 3/kemf]ª ufpFkflnsf–#, hf]d;f]d, d':tfª kmf]gM )^(–$$)#)$

@!= c3f{vfFrL zfvf ;lGwvs{ g=kf= –!, d]g/f]8, c3f{vfFrL kmf]gM )&&–$@)&(&÷(* k\mofS;M )&&–$@)&((

@@= lhtk'/ zfvf jf0fu+uf g=kf= – $, lhtk'/, slknj:t' kmf]gM )&^–%@)@(*÷@((

@#= tf}nLxjf zfvf slknj:t' g=kf=–!, k|zf;g rf]s tf}nLxjf, slknj:t' kmf]gM )&^–%^!!%*÷%^!!%(÷%^!!^) k\mofS;M )&^–%^!!^@

@$= a'6jn zfvf a'6jn pk=d=g=kf= – ^ k'iknfn kfs{, a'6jn, ?kGb]xL kmf]gM )&!–%$(())÷%$%^)# k\mofS;M )&!– %$(()!

@%= a'6jn zfvf -bf]>f]_ a'6jn pk=d=g=kf= – ( /fhdfu{, rf}/fxf, j'6jn, ?kGb]xL kmf]gM )&!–$#*!$*÷$(

@^= dl0fu|fd zfvf ltnf]Qdf g=kf= – %, dl0fu|fd, ?kGb]xL kmf]gM )&!–%^)*!)÷%^!%^) k\mofS;M )&!–%^))^!

@&= e}/xjf zfvf l;4fy{gu/ g=kf=– & gofF ;8s, e}/xjf, ?kGb]xL kmf]gM )&!–%@$)$*÷$(÷%) k\mofS;M )&!–%@$)%@

@*= s6}of zfvf cf]d;tLof ufpFkflnsf –! s6}of, ?kGb]xL, kmf]gM )&!–$@(%)!÷)@

@(= ;}gfd}gf zfvf ;]gfd}gf g= kf= – # d'lu{of, ?kGb]xL kmf]gM )&!–$$)!!&÷$$))%%

#)= ;'gjn zfvf ;'gjn g=kf=– $, rf}/fxf, k/f;L kmf]gM )&*–%&)$&&÷%&)$&* k\mofS;M )&*–%&)$&(

#!= sfjfzf]tL zfvf sfjfzf]tL g=kf=–* OGb|rf]s, gjnk'/ kmf]gM )&*–%$))*(÷%$))(*

#@= /hx/ zfvf b]jr'nL g=kf= – !^ /hx/ rf]s, gjnk'/ kmf]gM )&*–%$%)*&÷*(

##= tfg;]g zfvf tfg;]g g=kf= – #, lztnkf6L, tfg;]g, kfNkf kmf]gM )&%–%@@$))÷%@@#(( k\mofS;M )&%–%@@$)!

#$= /fdk'/ zfvf /fdk'/ g=kf= – %, /fdk'/, kfNkf kmf]gM )&%–$))))!÷@ k\mofS;M )&%–$))))#

#%= s'Zdf zfvf s'Zdf g=kf= – %, nf]stflGqs rf]s s'Zdf, kj{t, kmf]gM )^&–$@!##$÷##%

#^= jflnª zfvf jflnª g=kf= – *, jflnªdf]8, :ofª\hf kmf]gM )^#–$$)^)@÷$$)^)#

#&= le/sf]6 zfvf le/sf]6 g=kf= – !, jo/3f/L, :ofª\hf kmf]gM )^#–$)))(!÷(@

#*= kf]v/f zfvf kf]v/f d=g=kf= – * ;efu[x rf]s, sf:sL, kf]v/f kmf]gM )^!–%#!!!@÷#÷$ k\mofS;M )^!–%#!!!%

#(= kf]v/f zfvf -bf]>f]_ kf]v/f d=g=kf= – * ;[hgf rf]s, sf:sL, kf]v/f kmf]gM )^!–%#^)!^÷!&

$)= n]vgfy zfvf kf]v/f d=g=kf= – @& xdfnrf]s, n]vgfy, sf:sL kmf]gM )^!–%^!*)(÷%^!*!)

$!= efg' zfvf efg' g=kf= – @, km';|]6f/, tgx"F kmf]gM )^%–^@)))!

$@= led;]g zfvf led;]g yfkf ufpFkflnsf – !, £ofDk];fn, uf]/vf kmf]gM )!–^@)!&*!

$#= gf/fo0fu9 zfvf e/tk'/ d=g=kf= – #, k'nrf]s, gf/fo0fu9, lrtjg kmf]gM )%^–%##($)÷$!÷$@ k\mofS;M )%^–%##@))

$$= gf/fo0fu9 zfvf -bf]>f]_ e/tk'/ d=g=kf= – #, sdngu/ rf]s gf/fo0fu9, lrtjg kmf]gM )%^–%&@#!!, k\mofS;M )%^–%&@#!@

$%= 6fF8L zfvf /Tggu/ g=kf= – !,;f}/fxf rf]s 6fF8L, lrtjg kmf]gM)%^–%^)(#*÷%^)(%*

$^= Hjfnfd'vL zfvf Hjfnfd'vL ufpFkflnsf – ^, ;ft e~HofË, wflbª kmf]gM (*^^$!($^%÷(*$#@(%!%^



!= kxndfgk'/ PS;\6]G;g sfpG6/ 3f]8f3f]8L g=kf= – !), kxndfgk'/ rf]s, s}nfnL, kmf]gM )(!–$))!$)

@= afnfh' PS;\6]G;g sfpG6/ sf=d=g=kf= – !^, afnfh' cf}wf]lus If]q, sf7df8f+} kmf]gM )!–$#%))(@

#= /fwfs[i0f dlGb/ PS;\6]G;g sfpG6/ gfufh'{g, g=kf= – !, /fwfs[i0f dlGb/, sf7df8f}+, kmf]gM )!–$**))*)

$= bxrf]s PS;\6]G;g sfpG6/ rGb|flu/L g=kf= – !, ;[hgf rf]s bxrf]s, sf7df8f}+ kmf]gM )!–%!#!!!(÷%!#!!@)

%= x/x/dxfb]j PS;\6]G;g sfpG6/ sfu]Zj/L dgx/f, j8f g+= – &, sf7df8f}+ kmf]gM )!–$(()(#%

^= 9'ª\u|]jf; PS;\6]G;g sfpG6/ sdnfdfO{ g=kf= – $, 9'ªu|]af; sdnfdfO{, l;Gw'nL

&= gu/fO{g PS;\6]G;g sfpG6/ gu/fO{g g=kf= – @, wg'iff kmf]gM )$!–$)))&)

*= l;j;tfIfL PS;\6]G;g sfpG6/ l;j;tIfL – &,8'8] emfkf kmf]gM )$&–%@)^@%

(= /t'jfdfO{ PS;\6]G;g sfpG6/ /t'jfdfO{ – &, l;h'jf ahf/, df]/Ë kmf]gM )@!–$!$)%(

!)= wgkfnyfg PS;\6]G;g sfpG6/ wgkfnyfg – $, sl;{of, df]/Ë kmf]gM )@!–%^%)@(

!!= sk'/sf]6 PS;\6]G;g sfpG6/ sk'/sf]6 uf=kf – #, gofF ;8s, ;Nofg kmf]gM )**–$!))&!

!@= sf]zL PS;\6]G;g sfpG6/ sf]zL uf=kf – !, nf}sxL, Og?jf, ;'g;/L kmf]gM (*%@)@@(@#

!#= a/fxf PS;\6]G;g sfpG6/ a/fxf uf=kf – ^, rqm36\6L,;'g;/L kmf]gM )@%–%%!@))

!$= ldlynf laxf/L PS;\6]G;g sfpG6/ ldlynf laxf/L – &, tf/fkf6L ahf/, wg'iff kmf]gM (*$$)@^)@%

!%= ?? PS;\6]G;g sfpG6/ ?? uf= kf= – $, an]6S;f/, u'NdL kmf]gM )&(–$!))*)

!^= dfnf/fgL PS;\6]G;g sfpG6/ dfnf/fgL uf= kf= – #, vgbx, c3f{vfFrL kmf]gM )&&–^()$#)

!&= dfyfu9L PS;\6]G;g sfpG6/ dfyfu9L uf= kf= – $, em8]jf, kfNkf kmf]gM (*%&)$&%##

!*= z}Nolzv/ PS;\6]G;g sfpG6/ z}Nolzv/ g= kf= – (, uf]s'n]Zj/, bfr'{nf kmf]gM )(#– $))))(&

a}+ssf PS;\6]G;g sfpG6/x?

^#= rfjlxn zfvf sf=d=g=kf= – &, r'Rr]kf6L, rfjlxn, sf7df8f}+ kmf]gM )!–$$*)%(#÷$$*%*

^$= sn+sL zfvf sf=d=g=kf=– !$ sn+sL rf]s, sf7df8f}+ kmf]gM )!–$@#$@^^÷$@#%@*(

^%= dxf/fhu~h zfvf sf=d=g=kf= – #, /f]x]gL ;bg dxf/fhu~h, rqmky, sf7df8f}+ kmf]gM )!–$&@!$@&÷*÷( k\mofS;M )!–$&@!$#)

^^= l7dL zfvf dWok'/ l7dL g=kf= – &, afvf ahf/, dWok'/ l7dL, eQmk'/ kmf]gM )!–^^#(#%$÷%^÷%@ k\mofS;M )!–^^#(#%&

^&= ;'o{ljgfos zfvf ;'o{ljgfos g=kf= – ^ k'/fgf] 6«ln a; la;f}gL, ;"o{ljgfosrf]s, eQmk'/ kmf]gM )!–^^!*(%*÷^^!#)%*

^*= :ofk|m'j]zL zfvf uf];fOs'08 ufpFkflnsf – %, :ofk|m'j]zL, /;'jf kmf]gM )!)–%$!))!÷)@

^(= x]6f}F8f zfvf x]6fF}+8f pk=d=g=kf= – $ kfl/hft dfu{, x]6f}F8f, dsjfgk'/ kmf]gM )%&–%@)&$@÷$#

&)= x]6f}+8f zfvf -bf]>f]_ x]6f}+8f pk=d=g=kf= – $ sflGt/fhky, dsjfgk'/ kmf]gM )%&–%@%!^#,

&!= jL/u~h zfvf jL/u~h d=g=kf= – !# cfbz{gu/, k;f{ kmf]gM )%!–%@*&)^÷&&^ %@&$&^÷%@&^#^ k\mofS;M )%!–%@^*)^

&@= jL/u~h zfvf -bf]>f]_ jL/u~h d=g=kf= – *, ln°/f]8, lj/u~h, k;f{ kmf]gM )%!–%@!$$*, k\mofS;M )%!–%@!$$(

= rf}tf/f zfvf rf}tf/f;fFuf rf]su9L g=kf= – %, rf}tf/f, l;Gw'kfNrf]s kmf]gM )!!–^@)$!#÷^@)$!@

&$= OGb|fjtL zfvf OGb|fjtL ufpFkflnsf – $, gjnk'/, l;Gw'kfNrf]s kmf]gM (&%!)((*#(

&%= x]nDa' zfvf x]nDa' ufpFkflnsf – @, lspnahf/, l;Gw'kfNrf]s kmf]gM (&%!)@$&^#

&^= kfFrkf]v/L zfvf yfªkfnwfk ufpFkflnsf – ^ kfFrkf]v/L, l;Gw'kfNrf]s kmf]gM (&%!)@$&^!

&&= d}gfkf]v/L zfvf a}t]Zj/ ufpFkflnsf – %, d}gfkf]v/L ahf/, bf]nvf kmf]gM )$(–$!!))^

&*= af3vf]/ zfvf ;}n'ª ufpFkflnsf – #, sf6fs'6L, af3vf]/, bf]nvf kmf]gM )$(–^(!#@$÷$#))%$

&(= r/Lsf]6 zfvf led]Zj/ g=kf= – ^, ;ftbf]af6f], r/Lsf]6 ahf/, bf]nvf kmf]gM )$(–$@!(#&÷$@!(#*

*)= cf]vn9'Ëf zfvf l;4Lr/0f g=kf= – !!, cf]vn9'Ëf kmf]gM )#&–%@)))@ k\mofS;M )#&–%@)%@)

*!= lvlhb]Daf zfvf lvlhb]Daf ufpFkflnsf – % lvlhkmnf6], cf]vn9'Ëf kmf]gM )!–^@@&@^)

*@= dGynL zfvf dGynL g=kf= – !, dGynL ahf/, /fd]5fk kmf]gM )$*–%$)#)@

*#= l;Gw'nL zfvf sdnfdfO{ g=kf= – ^ a;kfs{, l;Gw'nL kmf]gM )$&–%@)^@%÷%@))##

*$= ledfg zfvf sdnfdfO{ g=kf= – (, r]s kf]:6, ledfg, l;Gw'nL kmf]gM )$&–$!))^&÷^*

*%= v'sf{]6 zfvf uf]nGhf]/ ufpFkflnsf – & v'sf]{6 ahf/, l;Gw'nL kmf]gM(*$%)*!(!^

*^= xl/jg zfvf xl/jg g=kf= – !!, xl/jg, ;nf{xL kmf]gM )$^–%#)^#*÷#(

*&= /fdgu/ zfvf /fdgu/ ufpFkflnsf – !, v}/jf, ;nf{xL kmf]gM )$^–^(!(&)÷^(!(^%

**= nIdLlgof zfvf nIdLlgof ufpFkflnsf – $, ;fFkmL rf]s, wg'iff kmf]gM )$!–^(@#^!

*(= hgsk'/ zfvf hgsk'/ pk=d=g=kf= – @ lzj rf]s, hgsk'/, wg'iff kmf]gM )$!–%@*&^!÷^@÷^& kmofS;M )$!–%@*&^*

()= lji0f'k'/ zfvf lji0f'k'/ ufpFkflnsf – !, lji0f'k'/, l;/fxf l;/xf, kmf]gM )##–$)@)*)÷*!

(!= nfxfg zfvf nfxfg g=kf= – #, k'j{ a; :6k nfxfg, l;/xf kmf]gM )##–%^)&&(÷&*@÷&(!

(@= /f}tfdfO{ zfvf /f}tfdfO{ ufpFkflnsf – & d's'{rL, pbok'/ kmf]gM )#%–$!))%#÷%$

(#= O6x/L zfvf O6x/L pk=d=g=kf= – ^ km"naf/L ahf/, ;'g;/L kmf]gM )@%–%*!!^^÷%*$*!%

($= w/fg zfvf w/fg pk=d=g=kf= – @ efg'rf]s, w/fg, ;'g;/L kmf]gM )@%–%#!(#@÷%@!)$% k\mofS;M )@%–%@)^*%

(%= lj/f6gu/ zfvf lj/f6gu/ d=g=kf= – & /+u]nL /f]8, lj/f6gu/, df]/ª kmf]gM )@!–%@!#%^÷%$ k\mofS;M )@!–%@!#*$

(^= lj/f6gu/ zfvf -bf]>f]_ lj/f6gu/ d=g=kf= – * b]jsf]6f rf]s, lj/f6gu/, df]/ª kmf]gM )@!–%@%^!(÷%@%^@)

(&= u|fdyfg zfvf u|fdyfg ufpFkflnsf – &, g]tfrf]s, df]/ª kmf]g M)@!–$)@)^*÷^(

(*= ef]hk'/ zfvf ef]hk'/ g=kf= – &, ef]hk'/, a}+s/f]8 kmf]gM )@(–$@)%%$÷$@)^@^

((= bds zfvf bds g=kf= – ^, yfgf /f]8, emfkf kmf]gM )@#–%*@@#(÷(^

!))= ljtf{df]8 zfvf ljtf{df]8 g=kf= – $ d'lQm rf]s, ljtf{df]8, emfkf kmf]gM )@#–%$#*&!÷&@÷%$^!^%

!)!= /f]ª zfvf /f]ª ufpFkflnsf – # xs{6] ahf/, O{nfd kmf]gM (*%@^%^^$)

!)@= s'Ddfos zfvf s'Ddfos ufpFkflnsf – $, of;f]s ahf/, kfFry/ kmf]gM )@$–$!#)%(÷$!#)^(



>L z]o/wgL dxfg'efjHo"x?,

d]uf a}+s g]kfn lnld6]8sf] ;~rfns ;ldltsf] ldlt @)&%÷)(÷)* ut] a;]sf] @#* cf++} a}7ssf] lg0f{ofg';f/ o; a}+ssf] cf7f}+ jflif{s ;fwf/0f ;ef lgDg lnlvt ldlt, ;do / :yfgdf lgDg k|:tfjx? pk/ 5nkmn u/L lg0f{o ug{ a:g] ePsf] x'Fbf sDkgL P]g, @)^# sf] bkmf ^&adf]lhd ;Dk"0f{ z]o/wgL dxfg'efjx?sf] hfgsf/L tyf pkl:yltsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 .

!= ;ef a:g] ldlt,;do / :yfg M

ldlt M @)&% ;fn kf}if #) ut], ;f]daf/ -tbg';f/ 14th January, 2019);do M laxfg !!M)) ah] :yfg M /fli6«o ;efu[x k|bz{gL dfu{, sf7df8f}+ .

@= 5nkmnsf ljifox? M

s_ ;fdfGo k|:tfj M!= cWoIfHo"sf] dGtJo ;lxt ;~rfns ;ldltsf] jflif{s k|ltj]bg @)&$÷&% kfl/t ug{] . @= n]vfk/LIfssf] k|ltj]bg ;lxt @)&% cfiff9 d;fGtsf] jf;nft, cf=j= @)&$÷&% sf] gfkmf gf]S;fg lx;fa, gub k|jfx ljj/0f nufotsf ;Dk"0f{ ljQLo ljj/0fx? kfl/t ug]{ .#= o; a}+ssf] ;xfos sDkgL d]uf Soflk6n dfs]{6;\ lnld6]8sf] cf=j= @)&$÷)&% sf] ljQLo ljj/0f ;lxtsf] PsLs[t (Consolidated) ljQLo ljj/0f 5nkmn u/L kfl/t ug]{ .$= sDkgL P]g, @)^# sf] bkmf !!! cg';f/ cfly{s jif{ @)&%÷&^ sf] nflu a}+ssf] n]vfk/LIfs lgo'Qm u/L lghsf] kfl/>lds lgwf{/0f ug]{ . %= ;~rfns ;ldltn] k|:tfj u/] adf]lhd xfn sfod r'Qmf k'FhLsf] ^=*% k|ltztsf b/n] gub nfef+z :jLs[t ug]{ . ^= a}+ssf] :jtGq ;~rfns kbdf lgo'Qm ul/Psf] hfgsf/L ;DaGwdf.

v_ ljz]if k|:tfj M!= ;~rfns ;ldltn] k|:tfj u/] adf]lhd xfn sfod r'Qmf k'FhLsf] !=))@## k|ltztsf b/n] af]g; z]o/ hf/L ug{ :jLs[lt k|bfg ug]{ / af]g; z]o/ hf/L u/] kZrft\ sfod x'g] leGg c+s -Fraction_ nfO{ eljiodf ;dfof]hg ug]{ u/L oyfjt /fVg] .@= ;~rfns ;ldltn] k|:tfj u/] adf]lhd xfn sfod r'Qmf k'FhLsf] !=))@## k|ltztsf b/n] af]g; z]o/ hf/L u/] kZrft\ a}+ssf] hf/L k'FhL / r'Qmf k'FhL j[l4 x'g hfg] ePsf]n] ;f]xL adf]lhd a}+ssf] k|aGwkqsf ;DalGwt bkmfx? ;+zf]wg ug]{ .#= a}+ssf] k|aGwkqsf] bkmf % sf] -q#_ kl5 -q$_ yk u/L ;DalGwt lgsfosf] :jLs[lt lng' kg]{ eP ;f] ;d]t lnO{ a}+s cfk}m jf ;xfos sDkgL dfkm{t z]o/ bnfn (Share Broker) ;DaGwL sfo{ ug]{ Joj:yf yk ug]{ .$= a}+ssf] lgodfjnLsf] lgod @% ;+zf]wg ug]{ .%= a}+ssf] k|aGwkq÷lgodfjnLsf] k|:tfljt ;+zf]wgdf lgodgsf/L lgsfox?af6 s'g} kl/dfh{g÷km]/jbn ug{ ;'emfj÷lgb]{zg k|fKt ePdf ;f] cg';f/ cfjZos kl/dfh{g÷km]/jbn ug{ ;~rfns ;ldltnfO{ clVtof/L k|bfg ug]{ .^= a}+sdf csf]{ s'g} a}+s jf ljQLo ;+:yf Ps cfk;df ufEg]÷ufleg] -dh{/_ tyf k|fKtL -PlSjlh;g_ug]{ ;DaGwdf a}+ssf] rncrn ;DklQ / bfloTj tyf sf/f]af/sf] kl5Nnf] d"NofÍg (Due Diligence Audit) ug{ dfGotf k|fKt -:jb]zL jf ljb]zL_ d"NofÍgstf{ lgo'QmL ug{, lghsf] kfl/>lds tf]Sg] nufotsf dh{/ tyf PlSjlh;g;Fu ;DalGwt cfjZos ;Dk"0f{ sfo{ ug{ ;~rfns ;ldltnfO{ clVtof/L k|bfg ug]{ . &= k|rlnt P]g÷sfg"gsf] clwgdf /xL a}+sdf j}b]lzs /0fgLlts ;fem]bf/ Nofpg] k|of]hgsf] nflu j}b]lzs /0fgLlts ;fem]bf/sf] klxrfg ug]{ ;DaGwdf cfjZos sfo{ ug{sf] nflu ;~rfns ;ldltnfO{ clVtof/L k|bfg ug]{ .

u_ ljljw M

;~rfns ;ldltsf] cf1fn]sDkgL ;lrj



cfb/0fLo z]o/wgL dxfg'efjx?,d]uf a}+s g]kfn lnld6]8sf] cf7f}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g' ePsf ;Dk"0f{ z]o/wgL dxfg'efjx?, o; ;efsf] ul/df a9fpg xfd|f] lgdGq0ff :jLsf/ u/L kfNg' ePsf cltly nufot ;d:t a}+s kl/jf/df ;~rfns ;ldlt / a}+ssf] tk{maf6 o; ul/dfdo ;efdf d xflb{s :jfut ug{ rfxG5' .

a}+ssf] >Lj[l4sf nflu lqmofzLn lgsfosf] ?kdf ;~rfns ;ldlt /xL cfPsf] s'/f oxfFx?df ljlbt} 5 . o; a}+ssf] ;ftf}+ jflif{s ;fwf/0f ;efaf6 oxfFx?n] a}+snfO{ cAan ;+:yf agfpg] p2]ZonfO{ d"t{?k lbg xfdLx?nfO{ ;~rfnssf] ?kdf rog u/L xfdLk|lt bzf{pg' ePsf] ljZjf;, cf:yf / e/f];fn] o; a}+ssf] k|ultdf cxf]/fq nflu/xg xfdLnfO{ lgs} phf{ / pT;fx ldn]sf] 5 . o;sf nflu ;~rfns ;ldltsf] tk{maf6 d oxfFx? k|lt xflb{s cfef/ JoQm ub{5' . ;fy} oxfFx?sf] cfzf Pj+ ljZjf;nfO{ d"t{?k lbg cem a9L sl6j4tfsf ;fy ;bf;j{bf tNnLg /xL/xg] k|ltj4tf ;d]t hfx]/ ub{5f}+.

;dLIff jif{sf] bf]>f] qodf;sf] ;'?jft b]lv g} ;du| a}+lsË If]q nufgLof]Uo /sdsf] ckof{Kttfsf sf/0f ;d:ofdf /x\of] . j}b]lzs/f]huf/af6 k|fKt x'g] ljk|]if0fsf] j[l4b/df cfPsf] sdL, b]zsf] cfoftdf ePsf] pNn]Vo j[l4 tyf of]hgf cg'?ksf] ;/sf/L vr{ x'g g;s]sf] h:tf sf/0fx?n] ;du| ?kdf a}+lsË If]qn] lgIf]ksf] ;+sng cfzfltt ?kdf ug{ ;s]g . o:tf] k|lts"n kl/l:yltdf klg a}+sn] ;dLIff cjlwdflgIf]k ;+sng tyf shf{ lj:tf/df P]ltxfl;s pknlAw xfl;n u/]sf] hfgsf/L u/fpg kfpFbf d xlif{t 5' . d]uf a}+s g]kfn lnld6]8n] cl3Nnf] cfly{s jif{ eGbf ^%=*) k|ltztn] v"b d'gfkmf j[l4 u/L cfly{s jif{ @)&$÷&% df ?= ! ca{ #! s/f]8 nfv v"b d'gfkmf cfh{g ug{ ;kmn ePsf] 5 . ;f] d'gfkmf tyf cGo ljt/0fof]Uo sf]ifaf6 ;~rfns ;ldltn] o; jif{ ^=*% k|ltzt gub nfef+z / !=))@## k|ltzt af]g; z]o/ u/L hDdf &=*%@## k|ltzt nfef+z ljt/0f ug]{ k|:tfj :jLs[ltsf nflu o; ul/dfdo ;efdf k]z u/]sf 5f+} .

a}+ssf] Jofj;flos d'gfkmf cfh{g ug]{ dfq geO{ ;dfhsf] cleGg c+usf] x}l;otn] ;dfh k|ltsf] pQ/bfloTj axg ug'{ bfloTj klg /x]sf] x'G5 eGg] dfGotfnfO{ cfTd;ft u/]/ ;d'bfodf cGt/3'lnt x'g] p2]Zon] ;dfhk|ltsf] pQ/bfloTj axg ug]{ qmddf a}+sn] ljleGg ;fdflhs sfo{ ljz]if u/L lzIff / :jf:Yosf] If]qdf ;xof]u k'¥ofpb} cfPsf] 5 . o:tf ;fdflhs sfo{x?n] a}+s k|ltsf] b[li6sf]0f ;sf/fTds agfpg e"ldsfv]n]sf] tYo z]o/wgL dxfg'efjx?nfO{ cjut u/fpg rfxG5' . ;fy} lgodgsf/L lgsfon] klg a}+s tyf ljQLo ;+:yfx?nfO{ ;+:yfutpQ/bfloTj ;DaGwL sfo{df yk lqmofzLn x'g cfk\mgf] d'gfkmfsf] sDtLdf ! k|ltzt /sd ;fdflhs pQ/bfloTjsf] nflu Joj:yf ug'{ kg]{ gLlt cjnDag u/]sf] x'Fbf a}+sn] ;dLIff jif{sf] nflu ;f]xL adf]lhd of]hgf th'{df u/L qmdzM sfof{Gjog u/]sf] 5 .

g]kfn ;/sf/sf] gLlt adf]lhd a}+lsË ;]jf gk'u]sf tf]lsPsf :yfgLo txdf sfof{no vf]Ng' kg]{ g]kfn /fi6« a}+ssf] lgb]{zgsf] kfngfub}{ :yfgLo txdf !& j6f zfvfsf ;fy} cGo :yfgdf klg zfvf lj:tf/ u/] kZrft\ pkTosf leq / aflx/ u/L xfn a}+ssf !)@ j6f zfvf sfof{nox?, !* j6f PS;6]G;g sfpG6/x?, *! j6f Pl6Pd d]l;gx? tyf !!( j6f zfvf/lxt a}+lsË s]Gb|x? /x]sf 5g\ . rfn" cfly{s jif{ leq} yk &@ j6f zfvf/lxt a}+lsË s]Gb|x? :yfkgf ug]{ k|s[ofdf /xL a}+lsË ;]jf / pkl:ylt dfk{mt b"/b/fhsf ;j{;fwf/0fdf ljQLo kx'Fr a9fpg]/fli6«o gLltdf o; a}+sn] 7f]; of]ubfg k'¥ofPsf] 5 . To;}u/L ;dLIff jif{ b]lv a}+sn] aLdf If]qdf g]kfnsf] cu|0fL :yfgdf /xg ;kmn ……g]kfn nfOkmOG;'/]G; sDkgL’’ nufot cGo @( aLdf sDkgL;Fu ;Demf}tf u/L æd]uf a}+sf;'/]G;Æ ;]jf k|bfg ub}{ cfPsf] 5 eg] of] ;]jfnfO{ yk lj:tf/ ug]{ of]hgf agfPsf] 5 . k|fb]lzs cjwf/0ff cg';f/ k|b]z g+= % df a}+ssf] :jfldTjdf /x]sf] ?kGb]xL lhNnfsf] a'6jn pkdxfgu/kflnsf l:yt hUufdf cfk\mg} ejg lgdf{0f ug{ lznGof; ul/Psf] / s]Gb|Lo sfof{nosf] nflu ejg lgdf{0fsf] lgldQ hUuf vl/bsf] k|lqmof cuf8L a9fO{Psf] hfgsf/L u/fpb} qmdzM afFsL k|b]zx?df ;d]t hUuf vl/b / ejg lgdf{0f ug]{ of]hgfnfO{ /0fgLlts sfo{ of]hgfdf ;dfj]z ul/g] 5 . o;}u/L b]zsf] & j6} k|b]zdf k|fb]lzs sfof{nox? ;~rfng ug]{ a}+ssf] of]hgf /x]sf] 5 . lnnfd x'g afFsL /x]sf] xsk|b z]o/ afx]s a}+ssf] r'Qmf k'FhL ?= !) ca{ @* s/f]8 sfod ePsf] 5 eg] cfly{s jif{ @)&$÷&% sf] k|:tfljt af]g; z]o/sf] afF8kmfF8 kZrft\ r'Qmf k'FhL ?= !) ca{ #* s/f]8 k'Ug]5 .

rfn" cfly{s jif{ @)&%÷&^ sf] klxnf] q}dfl;s cjlw;Dd a}+ssf] s"n lgIf]k ?= # ca{ !% s/f]8n] j[l4 eO{ ?= ^^ ca{ !@ s/f]8 k'u]sf] 5 eg] v"b shf{ ?= % ca{ !# s/f]8n] j[l4 eO{ ?= ^@ ca{ @% s/f]8 k'u]sf] 5 . o;} cjlwdf a}+sn] ?= $) s/f]8 $^ nfv v"b d'gfkmf cfh{g u/]sf]5 . cfly{s jif{ @)&%÷&^ sf] nflu :jLs[t ul/Psf] a}+ssf] jflif{s ah]6df k|If]lkt d'gfkmf nufot cGo Jofj;flos nIo xfl;n ug{ ;~rfns ;ldlt / Joj:yfkg k"0f{ ?kdf ;ÍlNkt /x]sf] 5 . Jofkf/ k|j4{gdf ljz]if hf]8 lb+b} NPA sf] ;d'lrt Joj:yfkg u/L s[lif, ko{6g, hnljB't



/ ef}lts k"jf{wf/ kl/of]hgf / If]qx?df yk nufgL lj:tf/ u/]/ æxnf] b]lv xfO8«f]Æ sf] gf/fnfO{ yk ;fy{s kfb}{ nlug] 5 . a}+ssf] cfGtl/s hLjgnfO{ dha't Pj+ ;xof]ufTds / e/kbf]{ agfpg tf]lsPsf] nIo k|flKt / ;f]sf cfwf/df ul/g] kbf]GgtL tyf k|z+;f, k]zfk|ltsf] nufjsf ;fy} :yfloTjnfO{ k|fyldstfdf /fvL d]uf nlg{· ;]G6/sf] dfWodaf6 tflnd, ;]ldgf/, cGt/lqmof cflbsf] cfof]hgf u/L u'0f:t/Lo ;]jf k|bfg ug{ d]uf ;+:sf/ cuf8L a9fpg] gLlt Jojxf/df nfu" ul/g] 5 . g]kfn /fi6« a}+s tyf cGo lgodgsf/L lgsfox?;Fusf] ;+:yfut ;DaGw Pj+ lgb]{zgx?sf] k"0f{ sfof{Gjog ug{, a}+s leq ;'zf;g sfod /fVg / gLlt, lgod nufot sfg"gsf] cg'kfngfnfO{ ulDe/tfsf ;fy kfngf ug]{ ;+:sf/nfO{ yk ;'b[9 kfb}{ nlug] 5 . d]uf /]ld6sf] ;~hfnnfO{ cGo d'n'sx?df ;d]t lj:tf/ ub}{ a}+ssf] nufgL tyf Ifdtf clej[l4sf nflu j}b]lzs /0fgLlts ;fem]bf/x?sf] ;d]t klxrfg u/L ;DaGw :yflkt ug]{ k|of;nfO{ lg/Gt/tf lbOg] 5 . ;d[4 g]kfn / ;'vL g]kfnLsf] gf/fnfO{ cfTd;fy ug{ /f]huf/Lsf cj;/x? ;[hgf ug]{ pTkfbgd"ns Joj;fo / If]qx?df nufgL j[l4 ug]{ gLlt lnOg] 5 . g]kfn ;/sf/sf]/fli6«o 9's'6LnfO{ dha't agfpg ;'zf;g / s/ e'QmfgLdf yk of]ubfgsf nflu a}+s ;b}a k|of;zLn /xg] 5 .

a}+ssf] ;ftf}+ jflif{s ;fwf/0f ;efdf cfb/0fLo z]o/wgL dxfg'efjx?n] lbg' ePsf dxTjk"0f{ ;'emfjx?nfO{ sfof{Gjog ug]{ qmdnfO{ cufl8 a9fOPsf] 5 . a}+ssf] k~rjifL{o /0fgLlts of]hgf cg'?k a}+ssf] v"b d'gfkmf j[l4 ub}{ nUg] nIo /fv]sf 5f+} . a}+ssf] ;xfos sDkgLsf] ?kdf btf{ ePsf] dr]{G6 a}+lsË sDkgL æd]uf Soflk6nÆ n] cfk\mgf] sf/f]af/ z'ef/De ug]{ clGtd r/0fdf /x]sf] 5 . ;]jfu|fxLx?sf] cfjZostf / rfxgfnfO{ cfTd;fy u/L ;]jfu|fxLx?nfO{ cTofw'lgs a}+lsË ;]jf k|bfg ug{ cfjZos k|aGw ldnfOPsf] 5 . a}+lsË ;]jf ;'ljwfdf s'g} s;/ afFsL g/xf];\ eGg] clek|fon] ;]jfu|fxLx?nfO{ pTs[i6 a}+lsË ;]jf k|bfg ug]{ a}+ssf] k|ltj4tfnfO{ d"t{?k lbg ljZj ahf/df ljsl;t a}+lsË k|ljlwx?sf] cg';/0f ub}{ hfg] lbzftk{m a}+s pGd'v /x]sf] 5 . a}+sdf ljBdfg ;+:yfut ;'zf;g, cg'kfngf / ;+/rgfTds 9fFrf tyf ;f]adf]lhdsf] sfo{If]q Pj+ clwsf/ ljefhgn] a}+ssf] cfGtl/s lgoGq0f k|0ffnLnfO{ k|efjsf/L agfpg'sf ;fy} a}+s ;~rfngdf lglxt hf]lvdx?;d]t Go"lgs/0f ul/Psf] 5 .

cGo ;dsIfL a}+sx? eGbf xfd|f] a}+snfO{ k[ys, ;an, k|lt:kwL{, k|efjsf/L / ;kmn agfpg] xfd|f] c7f]6 k'/f u/fpg] ;a}eGbf k|d'v ;fws / z;Qm dfWod g} sd{rf/L x'g\ . To;}n] d]uf a}+sdf sfo{/t sd{rf/LnfO{ ;fwgsf] ?kdf dfq pkof]u gu/L ;DklQsf] ?kdf lnOPsf] 5 . oxL dfGotf cg';f/ a}+sn] dfgj ;+;fwgsf] zLk, bIftf Pj+ g]t[Tj ;Ifdtf ce}m clej[l4 ug]{ s[ofsnfkx?nfO{ pRr k|fyldstfdf /flv a}+ssf d"No / dfGotfnfO{ ;d:t sd{rf/Lx?n] cg';/0f ug]{ jftfj/0f ;[hgf u/L a}+sdf æd]uf ;+:s[ltÆ / ;+:yfk|ltsf] ckgTjsf] efjgf hfu[tu/fpg] p2]Zon] ljleGg pknlAwd"ns sfo{qmdx? ;~rfng ub}{ dfgj ;+;fwgsf] k|efjsf/L ljsf; ug]{ ljifonfO{ pRr k|yldstfdf/fv]sf] 5 .

ldlt @)&% ;fn cfiff9 @( ut] a;]sf] a}+ssf] ;ftf}+ jflif{s ;fwf/0f ;efn] cfly{s jif{ @)&$÷&% sf] nflu afXo n]vfk/LIfs lgo'Qm u/] kZrft\ dfq @)&% >fj0f dlxgfdf pNn]lvt cfly{s jif{sf] n]vfk/LIf0f sfo{ k|f/De eO{ lgwf{l/t ;dofjlw leqg} a}+ssf] jflif{s ;fwf/0f ;efcfof]hgf ug{ a}+s ;kmn ePsf] 5 . o;sf ;fy} ;ftf}+ jflif{s ;fwf/0f ;efn] kfl/t u/]sf] af]g; z]o/ $@ lbgleq z]o/wgLx?sf] l8Dof6 vftfdf hDdf ul/Psf] 5 .

ldlt @)&% ;fn cfiff9 @( ut] ;DkGg a}+ssf] ;ftf}+ jflif{s ;fwf/0f ;efaf6 ;+:yfks tk{maf6 d :jo+ >L ef]haxfb'/ zfx, >L uf]kfn vgfn, >L dbg s'df/ cfrfo{ / ;j{;fwf/0f tk{maf6 >L O{Gb| axfb'/ dNn 7s'/L, >L d'lQm/fd kf08] / >L afns[i0f lzjfsf]6LnfO{ lgjf{lrt u/fpg'ePsf]df ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{ ;~rfns ;ldltsf] tk{maf6 x[botM wGojfb 1fkg ub{5' . o;} u/L lgjf{lrt x'g'ePsf ;~rfns ;ldltsf ;Dk"0f{ ;fyLx?n] lglj{/f]w ?kdf dnfO{ cWoIfsf] lhDd]jf/L ;'lDkg' ePsf]df cfef/ k|s6 ub{5' . o;/L lgjf{rgsf] k|s[ofaf6 ;+:yfks ;d"x z]o/wgLsf tk{maf6 # hgf, ;j{;fwf/0f ;d"x z]o/wgLsf tk{maf6 # hgf / :jtGq ;~rfns >L k'0f{ axfb'/ vqL ;lxt & ;b:oLo ;~rfns ;ldlt sfod /x]sf]df :jtGq ;~rfns >L k'0f{ axfb'/ vqLn] ldlt @)&%÷)$÷)( ut] cfkm\gf] kbaf6 /flhgfdf lbg' eO{ ^ ;b:oLo ;~rfns ;ldlt sfod /Xof] . a}+ssf] ljsf; / lj:tf/df k'¥ofpg' ePsf] of]ubfgsf] pRr d"NofÍg ub}{ kbaf6 /flhgfdf lbg'ePsf :jtGq ;~rfns >L k'0f{ axfb'/ vqLnfO{ ljz]if wGojfb lbFb} cfef/ k|s6 ug{ rfxG5' . a}+ssf] lgodfjnLsf] lgod @& -!_ / -@_ adf]lhd :jtGq ;~rfnsdfg]kfn /fi6« a}+saf6 ;]jf lgj[Q lgb]{zs Pj+ /fli6«o jfl0fHo a}+sdf k|d'v sfo{sf/L tyf ;~rfns ;d]t eO{ a}+s tyf ljQLo If]qsf] nfdf] cg'ej ;FufNg' ePsL >LdtL lzjf b]jL sfk\mn]nfO{ lgo'Qm u/L xfn & ;b:oLo ;~rfns ;ldlt sfod /x]sf] hfgsf/L u/fpFb5' .

cGTodf a}+ssf ;+:yfks tyf z]o/wgL dxfg'efjx?, ;d:t u|fxsju{x?, g]kfn /fi6« a}+s, g]kfn ;/sf/, g]kfn lwtf]kq af]8{, g]kfn :6s PS;r]~h lnld6]8, sDkgL /lhi6«f/sf] sfof{no, l;l8P; P08 lSno/LË ln= tyf cGo lgodgsf/L lgsfox?, k|d'v sfo{sf/L clws[t >L cg'kdf v'~h]nL / pxfFsf] g]t[Tjdf /x]sf Joj:yfkg ;d"x, gfoj dxfk|aGws tyf sDkgL ;lrj >L t'N;L/fd kf]v/]n Pj+ ;Dk"0f{ sd{rf/Lx? tyf a}+ssf] Joj;fosf] j[l4 Pj+ ljsf;df k|ToIf jf ck|ToIf ?kdf ;xof]u k'¥ofpg' x'g] ;Dk"0f{ z'e]R5'sx?sf ;fy} ;~rf/ dfWod k|lt xflb{s cfef/ JoQm ub}{ ;~rfns ;ldltsf] tk{maf6 wGojfb lbg rfxG5' .

ho d]uf a}+s Û Û Û

ef]h axfb'/ zfxcWoIfd]uf a}+s g]kfn lnld6]8ldlt M @)&% kf}if #):yfg M sf7df8f+} .



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

d]uf a}+s g]kfn lnld6]8sf] cf7f}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g' ePsf ;Dk"0f{ z]o/wgL dxfg'efjx? tyf cfdlGqt cltlyx?nfO{ ;~rfns ;ldltsf] tk{maf6 d xflb{s :jfut ub{5' . a}+ssf] k|ultkydf xfn;Dd lg/Gt/ ?kn] ;fy lbO{ oxfFx?n] a}+snfO{ k|bfg ug'{ ePsf] ;xof]u, ;b\efj / dfu{bz{gsf lgldQ xflb{s cfef/ Pj+ s[t1tf JoQm ub}{ cfufdL lbgx?df ;d]t oxfFx?sf] ;fy lg/Gt/ ?kdf k|fKt x'g]5 eGg] ljZjf; k|s6 ug{ rfxG5' . oxfFx?sf] ;fy Pj+ ;xof]u lagf d]uf a}+s g]kfn lnld6]8 cfh Ps cnUu} klxrfg ;lxt k|lt:kwf{df v/f] pq]sf] :yflkt ;+:yfsf] ?kdf kl/lrt x'g ;Dej gx'g] tYo d oxfFx? ;dIf k|:t't ug{ rfxG5' .

d]uf a}+s g]kfn lnld6]8 / ;flas 6'l/hd\ 8]enkd]06 a}+s lnld6]8 Ps cfk;df ufEg÷uflegsf] lgldQ cfjZos ;Dk"0f{ k|s[ofx? k"/f u/L æd]uf a}+s g]kfn lnld6]8Æ sf] gfdaf6 ldlt @)&% a}zfv #) (13th May 2018) ut] cfOtaf/ b]lv PsLs[t ljQLo sf/f]af/ z'ef/De u/]sf] k|;+u oxfFx? ;dIf k'gM bf]¥ofpg rfxG5' . ufleP kZrft\ a}+ssf] Joj;fosf] cfsf/, k'FhLut cfwf/, zfvf ;~hfn, u|fxs ;+Vof, k|lt:kwL{ Ifdtf OTofbLdf pNn]Vo j[l4 ePsf] 5 eg] a}+sn] cfk\mgf] ultnfO{ yk tLa| agfPsf] 5 .

g]kfn rf6{8{ PsfpG6]G6\; ;+:yfn] hf/L u/]sf] g]kfn ljQLo k|ltj]bg dfgx? (Nepal Financial Reporting Standards, NFRSs) tyf g]kfn /fi6« a}+sn] tf]s]sf] 9fFrf adf]lhd o; a}+sn] ljQLo ljj/0fx? tof/ kf/]sf] 5 h;sf sf/0f cfly{s jif{ @)&$÷&% sf] ljQLo ljj/0fsf tYofÍ tyf lzif{sx? g]kfn ljQLo k|ltj]bg dfgx? cg'?k u0fgf, jlu{s/0f, n]vfÍg tyf k|:t'tL ul/Psf] x'gfn] ljutsf jif{x?sf] tYofÍ tyf lzif{sx?;Fu t'ngLo x'g g;Sg] cj:yf ;d]t /xg ;Sg] ePsf] 5 . oBkL cfly{s jif{ @)&@÷ / @)÷&$ sf s]xL tYofÍ tyf lzif{sx? g]kfn ljQLo k|ltj]bg dfgx?sf] cfjZostf cg'?k k'gu{0fgf, k'gj{lu{s/0f, k'gn]{vfÍg tyf k|:t'tL ul/Psf 5g\ . g]kfn ljQLo k|ltj]bg dfgx?sf] :j?k cGt/f{li6«o ljQLo k|ltj]bg dfgx? (International Financial Reporting Standards, IFRS) s} cg'?k ePsf]n] a}+ssf] ljQLo ljj/0fx? cGt/f{li6«o :t/df klg Ps?ktf x'g'sf ;fy} t'ngLo Pj+ ljZj;gLo x'g] xF'bf eljiodf cGt/f{li6«o ?kdf Joj;fo lj:tf/ ug{ tyf cGt/f{li6«o ;+3 ;+:yf nufot cGt/f{li6«o ljQLo ;+:yfx?;Fu ;xsfo{ ug{ ;d]t ;xh x'g] ljZjf; lnPsf 5f}+ .

ca d a}+ssf] -;xfos sDkgL ;lxtsf]_ @)&% cfiff9 d;fGtsf] jf;nft tyf ;f]xL ldltdf ;dfKt cfly{s jif{ @)&$÷&% sf] gfkmf gf]S;fg lx;fa, gub k|jfx ljj/0f tyf cGo ljQLo ljj/0fx? o; ;efsf] :jLs[ltsf] nflu k]z ug]{ cg'dlt rfxG5' . ;j{k|yd a}+sn] xfn;Dd xfl;n u/]sf k|d'v ljQLo pknlAwx?nfO{ lgDg adf]lhd k|:t't ub{5' .

qm=;+= lzif{scfiff9 d;fGt

j[l4 -cl3Nnf] jif{;+u_

cfiff9 d;fGt @)&%

@)&! @)&@ @) @)&$ @)&% /sd k|ltzt

!= s"n ;DklQ 20,571 24,707 39,866 47,743 82,065 34,322 72

@= s"n h]yf 2,743 3,075 4,177 5,950 12,634 6,684 112

#= s"n lgIf]k -kfs]sf] Aofh afx]s_ 17,148 21,131 30,750 38,937 62,965 24,028 62

$= s"n shf{ -sd{rf/L ;fk6L afx]s_ 14,881 17,997 27,827 35,191 57,264 22,073 63

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

cfly{s jif{ @)&$÷)&%

@)&)÷)&! @)&!÷)&@ @)&@÷) @)÷)&$ @)&$÷)&% /sd k|ltzt

%= s"n ;~rfng cfDbfgL 1,025 1,138 1,360 2,091 2,873 782 37

^= s"n ;~rfng vr{ 417 460 540 841 1,149 308 37

&= v"b gfkmf 306 346 551 795 1,317 523 66

cfiff9 d;fGt

@)&! @)&@ @) @)&$ @)&%

*= zfvf ;+Vof -PS;\6]G;g sfp06/ ;lxt_ 28 28 45 48 115

(= Pl6Pd ;+Vof 31 31 47 54 74

!)= zfvf/lxt a}+lsË s]Gb| 47 47 54 58 95

!!= u|fxs ;+Vof ! Nffv @( xhf/

! Nffv $# xhf/

@ Nffv @$ xhf/

@ Nffv ^) xhf/

% Nffv !% xhf/

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



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

ljZj cy{tGqM cGt/f{li6«o d'b|fsf]ifn] ;fj{hlgs u/]sf] ljZj cfly{s kl/b[Zo (World Economic Outlook) sf] cS6f]a/, @)!* c+sdf ;g\ @)!* df ljZjsf] cfly{s j[l4b/ #=& k|ltzt sfod /xg] cg'dfg ul/Psf] 5 . ;g\ @)!& df #=& k|ltztn] a[l4 ePsf] ljZj cy{tGq ;g\ @)!* df klg ;dfg /xg] cg'dfg ul/Psf] xf] .

;g\ @)!& df @=# k|ltztn] a9]sf] ljsl;t d'n'ssf] cy{tGq ;g\ @)!* df @=$ k|ltztn] lj:tf/ x'g] cg'dfg ul/Psf] 5 . ;g\ @)!& df ljsl;t d'n'sx? dWo] cd]l/sL cy{tGq @=@ k|ltztn] a9]sf]df ;g\ @)!* df @=( k|ltztn] a9\g] tyf o"/f]k]nL d'n'sx?sf] ;g\ @)!& df @=$ k|ltzt j[l4sf] t'ngfdf ;g\ @)!* df @=) k|ltztsf b/n] lj:tf/ x'g] cg'dfg ul/Psf] 5 . To;}u/L, kF'hLut j:t' pTkfbg ug]{ If]qdf nufgL sd x'g' / c6f]df]afON; If]qdf b]lvPsf] 36\bf] j[l4b/n] hfkfgsf] cy{tGq ;g\ @)!& df !=& k|ltztn] j[l4 ePsf]df ;g\ @)!* df !=! k|ltztn] dfq lj:tf/ x'g] cg'dfg ul/Psf] 5 . pbLodfg tyf ljsf;zLn b]zx?sf] cfly{s j[l4b/ ;g\ @)!& df $=& k|ltzt /x]sf]df ;g\ @)!* df klg l:y/ /xL $=& k|ltzt sfod /xg] k|If]k0f ul/Psf] 5 . ef/tsf] j[l4b/ ;g\ @)!& df ^=& k|ltzt /x]sf]df ;g\ @)!* df &=# k|ltztn] a9\g] tyf rLgsf] j[l4b/ ;g\ @)!& df ^=( k|ltzt /x]sf] t'ngfdf ;g\ @)!* df ^=^ k|ltztdf /xg] k|If]k0f ;d]t cGt/f{li6«o d'b|fsf]ifn] u/]sf] 5 .

/fli6«o cy{tGqM cfly{s jif{ @)&$÷&% df b]zsf] s"n ufx{:Yo pTkfbg cfwf/e"t d"Nodf %=( k|ltztn] / pTkfbssf] d"Nodf ^=# k|ltztn] j[l4 ePsf] s]Gb|Lo tYofÍ ljefusf] k|f/lDes cg'dfg 5 . cl3Nnf] jif{ o:tf] j[l4b/ qmdzM &=$ k|ltzt / &=( k|ltzt /x]sf] lyof] . ;dLIff jif{df s[lif tyf u}/–s[lif If]qsf] j[l4b/ qmdzM @=* k|ltzt / &=! k|ltzt /x]sf] cg'dfg 5, h'g cl3Nnf] jif{ qmdzM %=@ k|ltzt / *=% k|ltzt /x]sf] lyof] .

cfly{s jif{ @)&$÷&% sf] pkef]Qmf d"No ;"rsfÍdf cfwfl/t cf}ift d'b|f:kmLlt b/ $=@ k|ltzt /x]sf] 5 . cl3Nnf] jif{ ;f] d'b|f:kmLlt $=% k|ltzt /x]sf] lyof] . vfB tyf k]o kbfy{ ;d"xsf] d"No j[l4b/ #=( k|ltzt / u}/–vfB tyf ;]jf ;d"xsf] d"No j[l4b/ %=! k|ltzt /x]sf] 5 . cfk"lt{ Joj:yfkgdf cfPsf] ;'wf/ Pj+ ef/t nufot ljZjJofkL ?kd} Go"g d"Noj[l4sf] k|efjsf] sf/0f ;dLIff jif{df pkef]Qmf d'b|f:kmLltdf sdL cfPsf] xf] .

cfly{s jif{ @)÷&$ df s"n j:t' lgof{t $=@ k|ltztn] a9]sf]df ;dLIff jif{df o:tf] lgof{t !!=! k|ltztn] j[l4 ePsf] 5 . To;}u/L s"n j:t' cfoft cfly{s jif{ @)&$÷&% df @%=% k|ltztn] j[l4 ePsf] 5 h'g cl3NNff] jif{ @* k|ltztn] j[l4 ePsf] lyof] . ;dLIff jif{df s"n Jofkf/ 3f6f @^=& k|ltztn] j[l4 eO{ ?= !! va{ ^! ca{ ^$ s/f]8 k'u]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] Jofkf/ 3f6f #)=$ k|ltztn] a9]sf] lyof] . cfly{s jif{ @)&$÷&% df ljk]|if0f cfk|jfx *=^ k|ltztn] j[l4 eO{ ?= & va{ %% ca{ ^ s/f]8 k'u]sf] 5 h'g cl3Nnf] jif{ $=^ k|ltztn] j[l4 ePsf] lyof] . @)&$ cfiff9 d;fGtsf] ?= !) va{ &( ca{ $# s/f]8 s"n ljb]zL ljlgdo ;l~rltsf] t'ngfdf @)&% cfiff9 d;fGtdf o:tf] ;l~rlt @=! k|ltztn] j[l4 eO{ ?= !! va{ @ ca{ %( s/f]8 k'u]sf]] 5 . cfly{s jif{ @)&$÷&% df ;du| zf]wgfGt/ l:ylt ?= (^ s/f]8n] artdf /x]sf] 5 . cl3Nnf] jif{ o:tf] art ?= *@ ca{ !! s/f]8 /x]sf] lyof] . ;dLIff jif{df rfn" vftf ?= @ va{ $% ca{ @@ s/f]8n] 3f6fdf /x]sf] 5 h'g cl3Nnf] jif{ ?= !) ca{ !# s/f]8n] dfq 3f6fdf /x]sf] lyof] .

cfly{s jif{ @)&$÷&% df jfl0fHo a}+s ;d"xsf] lgIf]k kl/rfng !*=)& k|ltzt -?= # va{ &* ca{_ n] j[l4 eO{ ?= @$ va{ &! ca{ k'u]sf] 5 eg] shf{ @!=^( k|ltzt -?= # va{ &^ ca{_ n] j[l4 eO{ ?= @! va{ !@ ca{ k'u]sf] 5 . o;df d]uf a}+ssf] lx:;f lgIf]kdf @=%% k|ltzt / shf{df @=&! k|ltzt /x]sf] 5 h'g cl3Nnf] jif{ qmdzM !=*^ k|ltzt / @=)# k|ltzt /x]sf] lyof] . @)&% cfiff9 d;fGt;Dd jfl0fHo a}+sx?sf] ;+Vof @* sfod ePsf] 5 . ljsf; a}+sx? ## tyf kmfOgfG; sDkgLx? @% sfod ePsf 5g\ . a}+s tyf ljlQo ;+:yfx? -n3'ljQ ljQLo ;+:yf afx]s_ sf] zfvf ;~hfn @)&$ cfiff9 d;fGtdf #,! /x]sf]df @)&% cfiff9 d;fGtdf $,@)@ k'u]sf] 5 .

ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg;dLIff jif{df o; a}+ssf] s"n shf{ tyf ;fk6L ?= @@ ca{ & s/f]8n] -dh{/af6 j[l4 ?= !@ ca{ &% s/f]8 ;d]t_ j[l4 eO{ @)&% cfiff9 d;fGtdf ?= %& ca{ @^ s/f]8 k'u]sf] 5 h'g cl3Nnf] jif{sf] t'ngfdf ^@=&@ k|ltztsf] j[l4 xf] . a}+sn] ;fgf tyf demf}nf pBf]u÷Joj;fox?, pkef]Qmf Pj+ ljkGg ju{ tkm{sf] nufgLsf s[ofsnfkx?nfO{ lg/Gt/ ?kn] j[l4 u/L Jofj;flos ljljlws/0f ub}{ clws]lGb|t shf{ hf]lvdnfO{ Go"g ub}{cfPsf] 5 . 7"nf kl/of]hgf tyf skf{]/]6 shf{sf] lx:;f @)&% cfiff9 d;fGtdf @!=% k|ltzt dfq /x]sf] 5 . ;~rfngsf] klxnf] jif{ cyf{t\ @)^* cfiff9 d;fGtdf ;f] lx:;f ^# k|ltzt /x]sf] lyof] .



a}+sn] ;dLIff cjlwdf ?= @$ ca{ # s/f]8 -dh{/af6 j[l4 ?= !@ ca{ &% s/f]8 ;d]t_ lgIf]k j[l4 u/]sf] 5 h'g cl3Nnf] jif{sf] t'ngfdf ^!=&! k|ltztn] a9L xf] . @)&% cfiff9 d;fGtdf a}+ssf] s"n lgIf]k ?= ^@ ca{ (& s/f]8 k'u]sf] 5 . lgIf]k ;+/rgfsf] cfwf/df Aofh ltg'{ gkg]{ vftf &=@ k|ltzt, art vftf @$=^ k|ltzt, d'2tL vftf $%=( k|ltzt tyf sn vftfsf] @@=# k|ltzt lx:;f /x]sf] 5 . ;dLIff cjlwdf d'2tL vftfdf pRr Aofhb/ sfod ePsf] sf/0f ;du| a}+lsË If]qd} art vftfsf] s]xL lgIf]k /sd d'2tL vftfdf kl/jt{g ePsf] 5 .

shf{sf] ;+/rgf#@ cfiff9 @)&%

-k|ltztdf_

dfOqmf] ^=!∞

pkef]Qmf@(=!∞

P;=Pd=O{=!*=(∞

ld8 s/kf]/]6@$=$∞

s/kf]/]6@!=%∞

-4,000 8,000 12,000 16,000 20,000 24,000 28,000 32,000 36,000 40,000 44,000 48,000 52,000 56,000 60,000 64,000

@)&! @)&@ @) @)&$ @)&%

cfiff9 d;fGt

shf{, ;fk6 tyf lan vl/b

?= b

; n

fvd

f

14,88117,997

27,827

35,191

57,264



lgIf]k ;+/rgf#@ cfiff9 @)&%

-k|ltztdf_

Aofh

ltg'{ g

kg]{

&=@

∞

sn @@=#∞

art @$=^∞

d'2tL $%=(∞

-5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 50,000 55,000 60,000 65,000 70,000

@)&! @)&@ @) @)&$ @)&%

cfiff9 d;fGt

?= b

; n

fvd

f

lgIf]k

17,14821,131

30,750

38,937

62,965



/sdsf] cfwf/df a}+ssf] shf{sf] k|lt u|fxs cf}ift cfsf/ ?= @( nfv #% xhf/ /x]sf] 5 eg] lgIf]ksf] k|lt u|fxs cf}ift cfsf/ ?= ! nfv @& xhf/ /x]sf] 5 . pk/f]Qm adf]lhd shf{ tyf lgIf]ksf] ;+/rgfdf ;'wf/ ub}{ a}+sn] cfk\mgf] Joj;fonfO{ ;+tf]ifhgs ?kdf ljljlws/0f ub}{ cfPsf] 5 . o;} u/L ;dLIff cjlwdf a}+ssf] u|fxs ;+Vof % nfv !% xhf/ k'u]sf] 5 . a}+sn] ;~rfngsf] cf7 jif{d} lgdf{0f u/]sf] cfwf/ / xfl;n u/]sf] pknlAw cToGt pT;fxhgs /x]sf] 5 . ljkGgju{ tyf n3'ljQ cGtu{t a}+sn] sl/a @$ xhf/ u|fxsx?nfO{ shf{ k|bfg ul/;s]sf] 5 . ;fy} l/on :6]6df a}+ssf] nufgL *=( k|ltzt /x]sf] 5 . cfly{s jif{ @)&$÷&% sf] nflu g]kfn /fi6« a}+sn] tf]lsPsf pTkfbgzLn If]qdf -s[lif, phf{, ko{6g If]q / 3/]n' tyf ;fgf pBf]u_ Go"gtd @) k|ltzt shf{ nufgL ug'{ kg]{ Joj:yf /x]sf]df @)&% cfiff9 d;fGtdf o; If]qdf a}+ssf] nufgL @$=^% k|ltzt /x]sf] 5 eg] ljkGgju{df a}+ssf] nufgL ^=!! k|ltzt /x]sf] 5 .

cfly{s jif{ @)&$÷&% df a}+sn] ?= @ ca{ #& s/f]8 #% nfv v"b Aofh cfDbfgL u/]sf] 5 h'g cl3Nnf] jif{sf] t'ngfdf #*=#% k|ltztn] a9L xf]] . cfly{s jif{ @)&$÷&% sf] cGTo lt/ cyf{t\ ldlt @)&% a}zfv #) ut] b]lv ;flas 6'l/h\d 8]enkd]06 a}+s lnld6]8 d]uf a}+s g]kfn lnld6]8df ufleO{ ;+o'Qm sf/f]af/ k|f/De u/]sf]n] o; jif{sf nflu 6'l/h\d 8]enkd]06 a}+s lnld6]8af6 k|fKt Joj;fosf] sf/f]af/af6 sl/a b'O{ dlxgf cjlwsf] dfq cfo÷Joodf c;/ b]lvPsf] 5 . b]zdf b]vf k/]sf ;sf/fTds ;+s]tx?;+u} Jofj;flos jftfj/0fdf klg cg's"n k|efj k/]sf] sf/0f ;dLIff jif{df klg ahf/df clws shf{sf] dfu x'g uof] . a}+lsË If]qdf shf{sf] cToflws dfun] nufgLof]Uo /sdsf] kof{Kttfdf rfk kg'{sf ;fy} t/ntf kl/k"lt{sf] nflu Aofhb/df tLa| k|lt:kwf{ sfod} /Xof] h;sf sf/0f Aofhb/ cGt/df ;+s'rg cfof] . o;sf afah'b a}+sn] v"b Aofh cfDbfgL ;+tf]ifhgs ?kn] j[l4 u/]sf] 5 . ;dLIff jif{df a}+ssf] shf{af6 k|fKt cf}ift k|ltkmn !#=!& k|ltzt /x]sf] 5, h'g cl3Nnf] jif{ !!=@& k|ltzt lyof] . o;} u/L a}+sn] nufgLaf6 $=)& k|ltzt k|ltkmn k|fKt u/]sf] 5 h'g cl3Nnf] jif{ $=#$ k|ltzt sfod /x]sf] lyof] . s"n Aofh cfosf] cf}ift k|ltkmn ut jif{sf] (=*% k|ltztaf6 ;'b[9 eO{ ;dLIff jif{df !!=%@ k|ltzt sfod ePsf] 5 . lgIf]ksf] cf}ift nfut eg] &=() k|ltzt sfod /xsf] 5 h'g cl3Nnf] jif{ ^=@* k|ltzt lyof] . ahf/df dfu adf]lhd nufgLof]Uo /sdsf] ckof{Kttfsf sf/0f Aofhb/df ePsf] ptf/r9fan] ;du| a}+lsË If]qs} nfutdf j[l4 eP;+u} d]uf a}+sdf klg pRr nfutsf lgIf]kx? a9\g uPsf]n]] lgIf]ksf] cf}ift nfut j[l4 x'g uPsf] xf] . cGt/ a}+s ;fk6Lsf] nfut ;lxt ;dLIff jif{df ;|f]tsf] cf}ift nfut &=%& k|ltzt /Xof] h'g cl3Nnf] jif{ ̂ k|ltzt sfod /x]sf] lyof] . To;} u/L ;dLIff jif{df a}+ssf] v"b Aofhb/ cGt/ #=(% k|ltzt sfod /Xof] h'g cl3Nnf] jif{ #=*% k|ltzt lyof] . shf{ tyf nufgLsf] k|ltkmndf ;'wf/ cfPtf klg ;|f]tsf] nfutdf ePsf] j[l4sf sf/0f v"b Aofhb/ cGt/df pNn]Vo km/s gePsf] xf] . a}+sn] ljleGg ;]jf tyf ;'ljwfx? k|bfg u/] jfkt cfh{g u/]sf] cGo cfDbfgL ?= %@ s/f]8 $$ nfv /x]sf] 5 h'g cl3Nnf] jif{ ?= #( s/f]8 !* nfv /x]sf] lyof] . sd{rf/L tkm{ cl3Nnf] jif{sf] ?= $* s/f]8 &) nfv vr{sf] t'ngfdf ;dLIff jif{df ?= ^( s/f]8 *( nfv vr{ ePsf] 5 h'g $#=%! k|ltztsf] j[l4 xf] . of] j[l4sf] k|d'v sf/0f ;flas 6'l/hd\ 8]enkd]06 a}+s;+usf] dh{/, Joj;fosf] cfsf/df xfl;n ul/Psf] j[l4;+u} yksd{rf/Lsf] cfjZostfsf ;fy;fy} sd{rf/Lx?sf] sfo{Ifdtf Pj+ bIftf clej[l4 u/L a}+sdf pTs[i6 hgzlQm sfod /fVg tflnd, a9'jf, jflif{s j[l4 OToflbdf ul/Psf] nufgL xf] . o;} u/L ;dLIff jif{df a}+ssf] cGo ;~rfng vr{ ?= $& s/f]8 $% nfv ePsf] 5 h'g cl3Nnf] jif{sf] vr{sf] t'ngfdf @*=!! k|ltztn] a9L xf] . dh{/, zfvf tyf ;~hfndf ePsf] lj:tf/, ;]jf tyf sfof{no ;fdfu|Lsf] vl/b nfutdf ePsf] j[l4 o;sf k|d'v sf/0f /x]sf 5g\ . cfly{s jif{ @)&$÷&% df a}+sn] ?= ! ca{ &! s/f]8 @! nfv ;~rfng d'gfkmf cfh{g u/]sf] 5 h'g cl3Nnf] jif{ ?= ! ca{ !# s/f]8 @ nfvlyof] . s/ cl3sf] d'gfkmf ?= ! ca{ *$ s/f]8 #) nfv ePsf] 5 h'g cl3Nnf] jif{ ?= ! ca{ !# s/f]8 @ nfv lyof] . cl3Nnf] jif{ a}+sn] &( s/f]8 $% nfv v"b d'gfkmf cfh{g u/]sf]df ;dLIff jif{df a}+sn] ?= ! ca{ #! s/f]8 nfv v"b d'gfkmf cfh{g ug{ ;kmn ePsf]] 5 h'g ^%=*) k|ltztsf] j[l4 xf] . ;/sf/L /fhZjdf cfos/sf] ?kdf o; jif{ a}+ssf] of]ubfg ?= $% s/f]8 $) nfv /x]sf] 5 .

306 346

551

795

1,317

-

100

200

300

400

500

600

700

800

900

1,000 1,100

1,200

1,300

1,400

1,500

cf=j= @)&)÷)&! cf=j= @)&!÷)&@ cf=j= @)&@÷) cf=j= @)÷)&$ cf=j= @)&$÷)&%

?= b

; n

fvd

f

v"b d'gfkmf



;dLIff jif{sf] v"b d'gfkmf ;Dk"0f{ lgodgsf/L ;dfof]hg / ;flas 6'l/h\d 8]enkd]06 a}+s lnld6]8af6 k|fKt hu]8f /sdsf] ;dfof]hg kZrft\ a}+ssf] hu]8f tyf sf]ifdf ?= @ ca{ #$ s/f]8 k'u]sf] 5 . o;} ;efdf k|:tfj ul/Psf] gub nfef+zsf] ljt/0f kl5 eg] hu]8f tyf sf]ifsf] s"n /sddf sdL cfpg] 5 . s"n ;DklQdf k|ltkmn cl3Nnf] jif{ !=&$ k|ltzt /x]sf]df ;dLIff jif{df k|ltkmn @=#$ k|ltzt sfod ePsf] 5 . To;} u/L cl3Nnf] jif{ z]o/wgLsf] h]yfdf !^=(@ k|ltzt k|ltkmn k|fKt ePsf]df o; jif{ !^=%^ k|ltzt k|fKt ePsf] 5 . k|:tfljt af]g; z]o/ ;lxtsf] r'Qmf k'FhL / cGo hu]8f tyf sf]ifx?sf] ld>0f lgDg adf]lhd /x]sf] 5 .

-1,000

2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000

11,000

@)&! @)&@ @) @)&$ @)&%

cfiff9 d;fGt

133 204 405 586

2,246 2,610 2,871

3,772

5,279

10,389

?= b

; n

fvd

f

k'FhL -k|:tfljt af]g; z]o/ ;lxt_ / hu]8f tyf sf]ifx?

-

0.30

0.60

0.90

1.20

1.50

1.80

2.10

2.40

2.70


k|ltz

tdf

s"n ;DklQdf k|ltkmn

1.561.38

1.79 1.74

2.34



k|:tfljt nfef+zcfly{s jif{ @)&$÷&% sf] v"b d'gfkmfsf] @) k|ltztn] x'g cfpg] /sd ?= @^,#$,&),#%%÷– ;fwf/0f hu]8f sf]ifdf /sdfGt/ ul/Psf] 5 . ljb]zL d'b|fsf] ljlgdo b/df kl/jt{g ePsf] sf/0faf6 a}+snfO{ ;dLIff jif{df cfDbfgL gePsf] sf/0f ;6xL 36a9 sf]ifdf s'g} /sd ljlgof]hg ul/Psf] 5}g . nufgL gLlt tyf n]vfÍg ;DaGwL g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd nufgL ;dfof]hg sf]ifdf ?= !,!),%&,$(%÷– 5'6\ofOPsf] 5 . g]kfn /fi6« a}+ssf] PsLs[t lgb]{zg @)&% adf]lhd lgodgsf/L sf]if tkm{ ?= $!,$!,%$,#%@÷– 5'6\ofOPsf] 5 . ;f]xL lgb]{zgdf ePsf] Joj:yf adf]lhd ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf ?= !,#!,,%!*÷– 5'6\ofOPsf] 5 . pNn]lvt ;a} afF8kmfF8 kZrft\ cfly{s jif{ @)&$÷&% ;Dd ;l~rt ePsf] ljt/0fof]Uo /sdaf6 xfn sfod r'Qmf k'FhLsf] !=))@## k|ltzt cyf{t\ ?= !),#),($,*&%=*) -?= bz s/f]8 tL; nfv rf}/fgAa] xhf/ cf7 ;o krxQ/ / c;L k};f dfq_ af]g; z]o/ / ^=*% k|ltzt cyf{t\ ?= &),$%,%*,%&)=%( -?= ;Q/L s/f]8 k}tfnL; nfv cG7fpGg xhf/ kfF; ;o ;Q/L / pgfG;f7L k};f dfq_ gub nfef+z u/L s"n ?= *),&^,%#,$$^=#( -?= c;L s/f]8 5oxQ/ nfv lqkGg xhf/ rf/ ;o 5ofln; / pgfGrfln; k};f dfq_ nfef+z k|:tfj ul/Psf] 5 eg] afFsL /sd ?= $),^^,^$)=!) ;l~rt d'gfkmfdf /flvPsf] 5 .

rfn" jif{sf] pknlAw tyf efjL sfo{qmdrfn" cfly{s jif{ @)&%÷&^ sf] klxnf] q}dfl;s cjlw;Dd a}+ssf] s"n lgIf]k ?= # ca{ !% s/f]8n] j[l4 eO{ ?= ^^ ca{ !@ s/f]8 k'u]sf] 5 eg] v"b shf{ ?= % ca{ !# s/f]8n] j[l4 eO{ ?= ^@ ca{ @% s/f]8 k'u]sf] 5 . o;} cjlwdf a}+sn] ?= $) s/f]8 $^ nfv v"b d'gfkmf cfh{g u/]sf]5 . xfn a}+ssf !)@ j6f zfvf sfof{nox?, !* j6f PS;6]G;g sfp06/x?, *! j6f Pl6Pd d]l;gx? tyf !!( j6f zfvf/lxt a}+lsË s]Gb|x? /x]sf 5g\ .

a}+sn] cfk\mgf] Joj;fosf] cfsf/ / bfo/fnfO{ j[l4 ub}{ n}hfg], ;]jf tyf ;'ljwfsf] u'0f:t/nfO{ clej[l4 ub}{ u|fxsju{x?sf] cfjZostf Pj+ rfxgfnfO{ Wofgdf /flv ljleGg cfsif{s of]hgfx?sf] dfWodaf6 Jofj;flos ljljlws/0f ub}{ n}hfg], ;DefJotfsf] cfwf/df zfvf ;+Vof, Pl6Pd ;+Vof Pj+ /]ld6\ofG; ;~hfn lj:tf/ ub}{ n}hfg], a}+lsª If]qsf] kx'FrnfO{ u|fdL0f If]q÷ljkGg ju{df k'¥ofpg zfvf÷zfvf/lxt a}+lsË ;]jfnfO{ lg/Gt/tf lbO{ yk k|ljlwd"ns Pj+ gljgtd ;]jfx? lj:tf/ ub}{ n3'ljQ shf{ tk{msf] k|fyldstf sfod} /fVg], ;fgf tyf demf}nf pBf]u÷Joj;fodf nufgL clej[l4 ug]{, s[lif, pTkfbgzLn, ko{6g Pj+ phf{ If]qdf nufgL clej[l4 ub}{ n}hfg], hf]lvd Joj:yfkg k|0ffnLnfO{ yk dha't agfpb} n}hfg] nufotsf of]hgf tyf efjL sfo{qmdx? a}+sn]] th{'df u/]sf] 5 . xfnsf lbgx?df a}+lsË If]qdf nufgLsf] dfu clws /x]sf] t/ ;f]sf] k"lt{ ug{ kof{Kt dfqfdf nufgLof]Uo /sd gePsf] sf/0f Aofhb/df tLa| k|lt:kwf{sf ;fy} Aofhb/ hf]lvd ;d]t a9\b} uPsf] 5 . t;y{ hf]lvd Joj:yfkgn] d'Vo k|fyldstf kfpg' kg]{ ljifonfO{ Wofg lbFb} Joj;fo tyf d'gfkmfdf gsf/fTds k|efj kg{ glbg a}+sn] hf]lvd;+u ;DalGwt cfGtl/s tyf jfXo ultljlwx?sf] ;'Id 9+uaf6 lgu/fgL tyf cWoog Pj+ ljZn]if0f ul//x]sf] 5 eg] cfGtl/s sfo{ ljefhgnfO{ ;d]t yk ;'b[9 agfPsf] 5 .

a}+sn] zfvf/lxt a}+lsË k|ljlwsf] dfWodaf6 a}+lsË kx'Fr gePsf If]qx?df ljQLo ;]jf pknAw u/fpFb} cfPsf] kl/k]|Ifdf of] ;]jfnfO{ ce}m lj:tfl/t, yk k|efjsf/L Pj+ gljgtd agfpb} nUg] of]hgf agfPsf] 5 . o;} qmddf o; cfly{s jif{ leq yk &@ j6f zfvf/lxt s]Gb|x? :yfkgf ug]{ k|s[ofdf a}+s /x]sf] 5 .

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4.00

8.00

12.00

16.00

20.00


k|ltz

tdf

h]yfdf k|ltkmn

12.46 12.63

17.25 16.92 16.56



n3'ljQ shf{nfO{ yk lj:tf/ u/L ljQLo ;]jfaf6 al~rt ljkGg ju{sf] hLjg:t/ psf:g] sfo{nfO{ lg/Gt/tf lbOg] 5 . a}+sn] s[lif, phf{, ko{6g tyf k|fyldstf k|fKt If]q tk{msf] nufgLnfO{ qmlds ?kn] j[l4 ub}{ nu]sf] 5 . oL If]qx?df g]kfn /fi6« a}+sn] tf]s]sf] Go"gtd eGbf a}+ssf] clws nufgL /x]sf] 5 eg] yk nufgL j[l4 ub}{ nUg] of]hgf /x]sf] 5 . ljz]iftM ljkGg Pj+ n3'ljQ If]qdf ;]jf lj:tf/ ug{sf] nflu x/]s zfvf sfof{nodf cnUu} hgzlQm kl/rfng ul/Psf] 5 . /fli6«o cy{tGqsf] d]?b08sf] ?kdf /x]sf] ;fgf tyf demf}nf pBf]u÷Joj;fo Pj+ s[lif tyf ko{6g tkm{ nufgLnfO{ a9fjf lbg] a}+ssf] k|of;nfO{ lg/Gt/tf lbO{g] 5 . ;fgf pBf]u÷Joj;fo tyf 7"nf skf{]/]6sf] aLrdf /x]sf dWo cfsf/sf pBf]u÷Joj;fodf ;d]t lg/Gt/ ?kn] Wofg s]lGb|t ul/Fb} nluPsf] 5 . Jofj;flos ljljlws/0f / bL3{sflng :yfoLTjdf ljZjf; /fVg] o; a}+sn] ;|f]t kl/rfngdf art lgIf]knfO{ k|fyldstfdf /fv]sf] 5 . o;} ;Gbe{df a}+sn] artstf{ u|fxsx?sf] ;+Vof tyf lgIf]k clej[l4 ug{ Jofj;flos lj1fkgsf cnfjf cGo ljleGg sfo{qmdx? ;~rfng ub}{ cfPsf] 5 eg] cfufdL lbgx?df yk k|efjsf/L pkfox?sf] lg/Gt/ vf]h u/L cjnDagsf plrt sfo{x? cl3 ;fl/g] 5 .

s'g} ju{ jf If]qdf clws]lGb|t geP/ ;dli6ut ?kdf u|fxs ;+Vofdf j[l4 ub}{ n}hfg] tyf u|fxs ;'xfpFbf] ;]jf tyf ;'ljwfx? cl3 ;fg]{ a}+ssf] /0fgLlts ;f]rnfO{ lg/Gt/tf lbFb} rfn" jif{df cfkm\gf sfo{x?nfO{ yk k|efjsf/L agfpb} nluPsf] 5 . Jofj;flos hf]lvd tyf r'gf}ltx?sf] pko'Qm ljZn]if0f u/L, ;Defljt gLltut kl/jt{gx? ;fdgf ug]{ ;Ifdtf af]s]/ z]o/wgLsf] h]yfdf clws eGbf clws of]ubfg k'¥ofpg] p2]Zon] rfn" jif{df Joj;fo ;~rfngsf] sfo{nfO{ cl3 a9fOPsf] 5 . Joj;fosf] cfsf/ a9fpb} v"b Aofh cfodf j[l4 ug]{ sfo{df a}+s s]lGb|t /xFb} cfPsf] 5 . a}+ssf] s"n cfDbfgLdf u}/–Aofh cfDbfgLsf] c+z qmdzM j[l4 ub}{ nUg] of]hgf a}+sn] agfPsf] 5 . o;sf nflu u}/–sf]ifdf cfwfl/t sf/f]af/x? h:t} k|tLtkq / a}+s hdfgt, ljk|]if0f, sf8{, a}+sf:of]/]G;, df]afO{n a}+lsË, ljb]zL ljlgdo nufot z'Ns tyf sldzg cfo x'g] cGo ljleGg a}+lsË ;]jf tyf ;'ljwfx?df ljz]if Wofg s]lGb|t ub}{ sd{rf/L cled"lvs/0f, k|jw{g nufotsf ultljlwx? ;~rfng ug]{ sfo{nfO{ qmda4 ?kdf cl3 a9fpFb} nluPsf] 5 . ;~rfng Pj+ k|zf;lgs vr{df yk ldtJolotf ckgfpg] sfo{df a}+s ;hu /x]sf] 5 . o;sf nflu k|ljlwsf] ;d'lrt pkof]u ug]{ sfo{nfO{ lg/Gt/tf lbOPsf] 5 . ;"rgf tyf k|ljlwsf] clwstd k|of]u u/L cfw'lgs, e/kbf]{ tyf l56f] 5l/tf] tj/n] clws eGbf clws lskmfotL a}+lsË ;]jf tyf ;'ljwfx? Nofpg] tkm{ a}+s lqmofzLn /xL cfPsf]df To; tkm{sf] lg/Gt/tf sfod} /flvg] 5 . sd{rf/Lx?sf] bIftf clej[l4 ug{sf] lgldQ tflndsf] Joj:yf ug]{, cfGtl/s lgoGq0f k|0ffnLnfO{ yk k|efjsf/L agfpg], cGt/f{li6«o s/:kf]G8]G; tyf ljk]|if0f ;xsfo{df j[l4 ub}{ n}hfg] sfo{ a}+ssf] k|fylds s[ofsnfkx? dWo]df /x]sf 5g\ . xfn a}+ssf] cfkm\g} ljk|]if0f k|ljlw æd]uf/]ld6Æ sf] b]ze/ nueu @,$)) k|ltlglwx? /x]sf 5g\ eg] cGo cfGtl/s tyf cGt/f{li6«o ljk]|if0f ;]jf ;xsfo{sf] ;+Vof #% k'u]sf] 5 / of] ;+Vof j[l4 ug{ a}+s k|of;/t /x]sf] 5 .

a}+sn] c;'nL sfo{nfO{ k|fyldstfdf /fv];+u} o;nfO{ yk k|efjsf/L agfpb}+ nu]sf] 5 . a}+sn] cfk\mgf] Jofj;flos bfo/f j[l4 ug{ cGo ;xsfo{sf] ;d]t vf]hL ul//x]sf]df dr]{G6 a}+lsË Joj;fosf] nflu sDkgL /lhi6«f/sf] sfof{noaf6 ldlt @)&$÷)^÷@& df æd]uf Soflk6n lnld6]8Æ sf] gfddf ;Dk"0f{ btf{ k|lqmof k"/f u/]sf] / g]kfn l3tf]kq af]8{af6 sf/f]af/ ;~rfngsf] :jLs[ltsf] ;}4flGts ;xdlt k|fKt u/L sf7df8f}+sf] lqk'/]Zj/df cfkm\gf] sfof{no :yfkgf ug]{ sfo{ xfn eO/x]sf] 5 . To;}u/L ;dLIff jif{ b]lv a}+sn] aLdf If]qdf cu|0fL :yfg cf]u6\g ;kmn g]kfn nfOkm OG;'/]G; sDkgL nufot cGo @( j6f aLdf sDkgL;Fu ;Demf}tf u/L æd]uf a}+sf;'/]G;Æ ;]jf k|bfg ub}{ cfPsf] 5 eg] clws eGbf clws aLdf sDkgLx?;+u ;Demf}tf u/L Joj;fosf] bfo/f km/flsnf] kfg]{ sfo{ lg/Gt/ ?kdf hf/L /xg] 5 . Joj;fo;+u ;DalGwt ljleGg cg';Gwfg Pj+ vf]hd"ns sfo{x?sf] dfWodaf6 a}+snfO{ ;'/lIft Pj+ gfkmfd"ns 9+uaf6 Joj;fo clej[l4 ug]{ sfo{df a}+sn] :yfkgf u/]sf] cg';Gwfg Pj+ ljsf; O{sfO{Æ n] k|efjsf/L Pj+ dxTjk"0f{ of]Ubfg k'¥ofpb} cfPsf] 5 . o;sf cnfjf a}+sn] gofF of]hgfx?sf] ljsf; Pj+ sfof{Gjog ug{ New Product Development Unit gfds Ps 5'6\6} O{sfO{sf] :yfkgf u/]sf] 5 h;n] cfjZos sfo{x? ub{} Joj:yfkgnfO{ d2t k'¥ofpb} cfPsf] 5 .

a}+ssf] k'FhL, k'FhL ;+/rgfdf k|:tfljt x]/k]m/ ldlt @)&% a}zfv #) ut] d]uf a}+s g]kfn lnld6]8 / ;flas 6'l/h\d 8]enkd]06 a}+s lnld6]8 Ps cfk;df ufleO{ ;+o'Qm sf/f]af/ k|f/De u/] kZrft\ a}+ssf] ;ftf+} jflif{s ;fwf/0f ;efn] kfl/t u/]sf] cfly{s jif{ @)÷&$ sf] af]g; z]o/ ljt/0f kl5 a}+ssf] r'Qmf k'FhL ?= !),@*,%%,@^,%&* sfod ePsf] 5 . ;fy} ;dLIff jif{df a}+sn] hf/L u/]sf] ^% k|ltzt xsk|b z]o/ dWo] cfj]bg gk/]sf] z]o/ ;+Vof !*,$),(=^# lsQf lnnfd laqmL ug{ afFsL /x]sf] 5 .

a}+ssf] sf/f]af/nfO{ c;/ kfg]{ d'Vo sf/0fx?/fli6«o tyf cGt/f{li6«o If]qsf] 36gfqmd / gLltut kl/j{tgx?n] a}+ssf] sf/f]af/nfO{ k|ToIf tyf ck|ToIf ?kdf c;/ kfb{5g\ . h; dWo] ;/sf/L tyf cGo lgofds lgsfox?sf] gLlt, lgod tyf lgb]{zgx?, k|lt:kwf{, b]zsf] /fhgLlts cj:yf, cGt/f{li6«o ahf/;+usf] b]zsf] s'6gLlts ;DaGw tyf sf/f]af/, cy{tGqsf cGo If]qdf kg]{ c;/ / ;du| cy{tGqsf kl/;"rsx? 5g\ . ;dLIff jif{sf] nflu ;dli6ut cfly{s cj:yfsf] l;+xfjnf]sg tyf ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg zLif{s cGtu{t a}+ssf] sf/f]af/nfO{ c;/ kf/]sf] sf/0fx?sf ;DaGwdf pNn]v ul/Psf] 5 .



zfvf lj:tf/ tyf Pl6Pda}+ssf] :jfldTjdf /x]sf] ?kGb]xL lhNnfsf] a'6jn pkdxfgu/kflnsf l:yt hUufdf cfk\mg} ejg lgdf{0f ug]{ sfo{nfO{ cl3 a9fOPsf] 5 . @)&% d+l;/ !@ ut] pQm ejg lgdf{0fsf] lznfGof; sfo{ ;DkGg eO{ lgdf{0f sfo{ k|f/De ul/Psf] 5 . a}+snfO{ yk dha't Pj+ k|lt:kwL{ agfpg, Joj;fosf] bfo/f / cfsf/df j[l4 ug{ / a}+ssf] ahf/ lx:;f ;'b[9 ug{ cfly{s jif{ @)&$÷&% df a}+sn] zfvf lj:tf/sf] sfo{sf ;fy;fy} dh{/sf] k|s[ofnfO{ ;d]t cuf8L a9fPsf] lyof] . a}+ssf] /0fg}lts of]hgf Pj+ g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd k|fb]lzs ;+/rgfdf hfg] clGtd tof/Ldf a}+s /x]sf] 5 .

g]kfn ;/sf/sf] of]hgf cg'?k k|To]s :yfgLo txdf Pp6f jfl0fHo a}+ssf] pkl:ylt x'g'kg]{ egL g]kfn /fi6« a}+sn] hf/L u/]sf] kl/kq adf]lhd a}+sn] !& :yfgLo txdf zfvfx? vf]nL k"0f{?kdf ;~rfngdf NofO{;s]sf] 5 . o;} u/L rfn" jif{df ?kGb]xL lhNnfsf] d}gfau/ PS;6]G;g sfpG6/nfO{ ;f]xL lhNnfsf] ;}gfd}gf gu/kflnsfdf zfvfsf] ?kdf :yfgfGt/0f ul/Psf] 5 . xfn yk !) :yfgx?df gofF zfvf lj:tf/ ug{ ;DefJotfsf] cWoog sfo{ clGtd r/0fdf /x]sf] 5 . a}+sn] Joj;fosf] ;DefjgfnfO{ cWoog u/L yk !! j6f PS;6]G;g sfpG6/x? ;~rfngdf NofPsf] 5 h; kZrft\ a}+ssf] PS;6]G;g sfpG6/sf] ;+Vof !* k'u]sf] 5 .

a}+ssf] Pl6Pd ;+Vof *! k'u]sf] 5 h; dWo] * j6f zfvf /x]sf] :yfg eGbf cGo :yfgdf /x]sf 5g\ . a}+sn] cfjZostf cg';f/ u|fxsx?nfO{ yk ;'ljwf k'¥ofpg] x]t'n] Pl6Pd h8fg ug{ cGo ;DefJo :yfgx?sf] cWoog sfo{ ;d]t cl3 a9fPsf] 5 . a}+sn] le;fsf] cflwsfl/s ;b:otf k|fKt u/L cfk\mgf u|fxsx?nfO{ ljZj:t/Lo ;'ljwf k|bfg ug]{ x]t'n] le;fsf ljleGg k|sf/sf Chip-based sf8{ ;'ljwf pknAw u/fFpb} cfPsf] 5 . h; cGtu{t Chip-based 8]lj6 tyf qm]l86 sf8{ /x]sf 5g\ . ;fy} ljb]z e|d0fsf nflu a}+sn] lk|k]8 6«fen sf8{ tyf u|fxssf] cfjZostf cg';f/ cGt/f{li6«o qm]l86 sf8{sf] ;d]t Joj:yf u/]sf] 5 . a}+ssf] sf8{sf] ;~hfn lj:tf/ ug]{ of]hgf cg'?k a}+sn] Union Pay International tyf Mastercard sf] cflwsfl/s ;b:otf k|fKt ug{sf] lgldQ cfjZos sfo{ cufl8 a9fPsf] 5 .

le;fsf u|fxsx?n] sf8{ dfkm{t Pl6Pdaf6 gub e'QmfgLsf] ;]jfsf ;fy;fy} Jofkfl/s s]Gb| / cflwsfl/s eCommerce ;~rfng ug]{;~rf/–;~hfnaf6 ljleGg lsl;dsf ;]jf tyf ;'ljwfx? vl/b ug{ ;Sb5g\ . a}+sn] xfn} 3D Secured Service cGtu{t u|fxsn] cfkm\gf] sf8{ dfkm{t online sf/f]af/ ug{ ;Sg] ;'ljwfsf] z'?jft u/]sf] 5 . o; ;'ljwf cGtu{t sf8{af6 x'g] x/]s sf/f]af/x?df k|fljlws tyf cfly{s ?kdf cem ;'/lIft x'g]5 . 3D secured service cGtu{t u|fxsn] sf/f]af/ ubf{ df]afOn tyf Od]ndf k|fKt x'g] OTP (One Time Password) sf] k|of]u u/L sf/f]af/sf] Approval ug]{ Joj:yf x'g]5 h;n] sf/f]af/nfO{ cem} ;'lglZrt tyf ;'/lIft ub{5 . cfk\mgf u|fxsx?nfO{ :t/Lo ;]jf ;'ljwf k|bfg ug]{ p2]Zon] g]kfn OGe]i6d]06 a}+s;+u /x]sf] NPN Network ;+u a}+s cfj4 ePsf] 5 h;n] ubf{ d]uf a}+ssf u|fxsx?n] cfk\mgf] Pl6Pd sf8{ dfkm{t NPN sf] ;~hfndf /x]sf :jb]zL Pl6Pd tyf laqmL s]Gb|x?df ;lhn} sf/f]af/ ug{ ;Sb5g\ .

cGt/f{li6«o sf8{ e'QmfgL dfkb08 / g]kfn /fi6« a}+ssf] e'QmfgL ;]jf ljefusf] lgb]{zg adf]lhd a}+sn] cfkm\gf u|fxsx?nfO{ EMV Chip-based sf8{ hf/L u/]sf] 5 eg] ;f]xL cg'?k a}+sn] cfkm\gf Pl6Pd d]l;gx?nfO{ klg EMV Compatible agfO{ ;s]sf] 5 . gublaxLg sf/f]af/nfO{ a9fjf lbg a}+sn] EMV Compatible POS Machine ljleGg laqmL tyf ;]jf s]Gb|x?df :yfkgf ub}{ cfPsf] 5 h;n] ubf{ u|fxsx?n] ;f]em} cfkm\gf] sf8{ dfkm{t ;]jf ;'ljwf vl/b ug{ ;Sb5g\ . ;fy} qm]l86 sf8{ cGtu{t Insta Buy ;'ljwf lnO{ u|fxsx?n] vl/b u/]sf ;]jf tyf dfn;fdfgx? EMI dfkm{t e'QmfgL ug{ ;Sb5g\ . o;} ;'ljwf cg'?k xfn} a}+sn] aLdf sDkgLx?;+u ;Demf}tf u/L aLdf u|fxsx?nfO{ aLdf lk|ldod EMI df e'QmfgL ug{ Insta Buy ;'ljwfsf] klg z'?jft u/]sf] 5 .

a}+sn] sf8{ ;'ljwfsf cltl/Qm df]afOn tyf OG6/g]6 a}+lsË ;'ljwf klg lbFb} cfO/x]sf] 5 h;af6 u|fxsx?n] cfk\mgf] df]afOn tyf OG6/g]6 a}+lsË dfkm{t cfk\mgf] vftfsf] ljj/0f x]g]{, vftfaf6 /sd 6«fG;km/ -leqL tyf afx\o vftf_ ug]{, qm]l86 sf8{sf] jSof}tf /sd e'QmgL ug]{, cfk\mgf] vftfdf ePsf] sf/f]af/sf] hfgsf/L lng], a}+s ;DaGwL ljleGg ;]jf ;'ljwfsf] hfgsf/L lng] / ljleGg lsl;dsf ;]jf ;'ljwfx?sf] e'QmfgL ;lhn} ug{ ;Sb5g . df]afOn a}+lsË ;'ljwfaf6 u|fxsn] cfk\mgf] e'QmfgL tflnsf agfO ;f]xL cg';f/ lgoldt ?kdf ;]jf e'QmfgL tyf Aofh e'QmfgL ug{ ;Sb5g . lgs6 eljiodf a}+sn] df]afOn a}+lsË ;'ljwfnfO{ QR Code Authentication tyf Finger Print Authentication h:tf k|ljlwsf] k|of]u u/L cem ljsl;t ?kdf Nofpg] tof/L u/L /x]sf] 5 .

;"rgf k|ljlw tyf zfvf/lxt a}+lsË ;]jfa}+sn] ax'/fli6«o ;km\6j]o/ sDkgL cf]/]snn] pTkfbg u/]sf] cTofw'lgs a}+lsË ;km6\j]o/ "Flexcube" k|of]udf NofPsf] 5 . ;"rgf k|ljlwsf] dfWodaf6 e/kbf{], ;'/lIft tyf k|efjsf/L ;]jf ;'ljwfx? pknAw u/fpgsf] lgldQ a+}sn] ;~rfng cjlw b]lvg} u|fxsju{ dfem O{G6/g]6 a+}lsË, PlalaP; ;]jf, Pl6Pd ;'ljwf k|of]udf NofPsf] 5 eg] u|fdL0f ;d'bfo;Ddsf] kx'FrnfO{ ;/n agfpgsf] lgldQ cTofw'lgs zfvf/lxt a}+lsË ;]jf (Branchless Banking), cTofw'lgs Pj+ gljgtd\ æ6\ofa a}+lsËÆ tyf df]afOn a+}lsË ;'ljwf klg ;~rfngdf NofPsf] 5 . a}+ssf] xfn;Dd b]zsf ljleGg b'u{d tyf a}+lsË kxF'r Go"g /x]sf !!( :yfgx?df zfvf/lxt a}+lsË s]Gb|x? :yfkgf eO{;s]sf 5g\ . rfn" jif{df of] ;]jfnfO{ yk lj:tfl/t ug{ &@ :yfgdf gofF zfvf/lxt a}+lsË s]Gb|x? lj:tf/ ug]{ sfo{ cl3 a9fO{Psf] 5 . ;Defljt k|fs[lts k|sf]k tyf cGo hf]lvdaf6 ;'/lIft /xg a}+sn] cGoq :yfgdf Disaster Recovery Site h8fg u/]sf] 5 . k|ljlwsf] k|of]uaf6 k|efjsf/L, ldtJooL tyf Jojl:yt 9+un] a+}ssf] cfGtl/s ;"rgf k|0ffnL tyf cGo Joj:yfkg sfo{x? ;~rfng eO/x]sf 5g\ . a}+sn] ljB'tLo Document Management System (DMS) k|0ffnL nfu" u/]sf] 5 . a}+sn] ASBA/C-ASBA k|0ffnL cGtu{t art vftf ePsf cfkm\gf u|fxsx?sf] ;xhtf Pj+ ;'ljwfsf nflu IPO/ FPO/ Right z]o/sf] lgldQ lgj]bg lng] Joj:yf u/]sf] 5 . ;fy} u|fxsx?sf] ;'ljwfnfO{ Wofgdf /flv a}+sn] Online Account Opening,



Mega Online Trade Finance Service sf ;fy} ConnectIPS e-Payment System ;]jf k|0ffnLsf] Joj:yf ;d]t u/]sf] 5 . To;} u/L a}+sn] u|fxs klxrfg tyf ;DklQ z'4Ls/0f sfo{nfO{ k|efjsf/L 9+un] lgjf/0f÷lgoGq0f ug{ ;"rgf Pj+ k|ljwo'Qm iCare System nfu' u/]sf] 5 . a}+ssf] sf/f]af/ tyf ;"rgf k|ljlwnfO{ lg/Gt/ ?kdf ;'/lIft /fVg ljleGg gofF k|ljlwx?df a}+sn] nufgL ub}{ cfPsf] 5 eg] o;sf] ;+j]bgzLntfnfO{ ;'Id ?kn] cWoog tyf ljZn]if0f ub}{ ljleGg gljgtd k|ljlwo'Qm s[ofsnfkx? ;~rfng ub}{ cfPsf] 5 .

cfGtl/s lgoGq0f k|0ffnLlj:t[t dfkb08 ;lxtsf gLlt, lgodfjnL tyf sfo{ljlwx?sf ;fy} k|efjsf/L 9+un] :yflkt ;+/rgfTds 9fFrf tyf ;f] adf]lhdsf]sfo{If]q Pj+ clwsf/ ljefhgn] a}+ssf] cfGtl/s lgoGq0f k|0ffnL r':t tyf k|efjsf/L agfpg'sf ;fy} a}+s ;~rfngdf lglxt hf]lvdx?nfO{ ;d]t Go"lgs/0f u/]sf] 5 . o;sf ;fy} a}+sdf kof{Kt cfGtl/s lgoGq0f sfod /fVg ;~rfns ;ldlt, n]vfk/LIf0f ;ldlt, hf]lvd Joj:yfkg ;ldlt / Joj:yfkgn] cfGtl/s lgoGq0f k|0ffnLsf] k|efjsfl/tf k'g/fjnf]sg ug]{ u/]sf 5g\ . a}+ssf] Joj:yfkgaf6 :jtGq a}+ssf] cfGtl/s tyf afXo n]vfk/LIfsn] klg cfkm\gf k/LIf0f sfo{x?af6 a}+ssf] lgoGq0f k|0ffnL dfkg u/]/ a}+snfO{ pko'Qm /fo tyf ;'emfjx? pknAw u/fpFb} cfPsf 5g\ . cGo ljleGg s[ofzLn pk;ldltx?n] ;d]t cfGtl/s lgoGq0f k|0ffnLnfO{ yk ;'b[9 agfpg cfkm\gf ultljlwx?sf] dfWodaf6 ;xof]u k'¥ofpFb} cfPsf 5g\ .

;+:yfut ;'zf;ga}+ssf] bL3{sfnLg ;kmntfsf] lgldQ k|efjzfnL ;+:yfut ;'zf;g ckl/xfo{ /x]sf]n] ;~rfns ;ldlt tyf Joj:yfkgn] ;+:yfut ;'zf;g ;DaGwL g]kfn /fi6« a}+s nufot cGo lgofds lgsfox?åf/f hf/L gLlt Pj+ lgb]{zgsf] kfngf ub}{ cfPsf] 5 / ;b}j kfngf ug]{ k|ltj4tf ;d]t JoQm ub{5 . æxfd|f]nfO{ x}g /fd|f]nfO{ k|fyldstfÆ eGg] gf/fnfO{ cfTd;fy ub}{ a}+ssf ultljlwx?nfO{ cl3 a9fpFb} nluPsf] 5 .

;DklQ z'l4s/0f (Money Laundering) lgjf/0fu}/ sfg"gL tyf cjfl~5t 9+uaf6 cfh{g u/]sf] ;DklQsf] z'l4s/0f ug]{ ck/flws lqmofsnfknfO{ lgjf/0f ug{ g]kfn /fi6« a}+saf6 hf/L lgb]{zg adf]lhd u|fxs klxrfg tyf ;DklQ z'l4s/0f lgjf/0f ;DaGwL gLlt ;~rfns ;ldltaf6 :jLs[t u/fO{ nfu" ul/Psf] 5 . k|ljlwsf] dfWodaf6 o; sfo{nfO{ yk k|efjsf/L agfpg a}+s s[ofzLn /xFb} cfPsf] 5 eg] o;sf nflu iCare System klg nfu' u/]sf] 5 . ;fy} a}+sn] g]kfn /fi6« a}+ssf] lgb]{zgsf] Joj:yf adf]lhd u}/ sfo{sf/L ;~rfnssf] ;+of]hsTjdf ;DklQ z'4Ls/0f lgjf/0f ;DaGwL ;ldlt u7g u/L cfjZos sfo{ cl3 a9fPsf] 5 .

;+:yfut ;fdflhs pQ/bfloTjJofj;flos d'gfkmf cfh{g ug]{ dfq geO{ ;dfhsf] cleGg c+usf] x}l;otn] ;dfhk|ltsf] pQ/bfloTj cjZo /x]sf] x'G5 eGg] dfGotfnfO{ cfTd;ft u/]/ ;d'bfodf cGt/3'lnt x'g] p2]Zon] ;dfhk|ltsf] pQ/bfloTj jxg ug]{ qmddf a}+sn] ljleGg ;fdflhs sfo{df ;xof]u k'¥ofpb} cfPsf] 5 . o:tf ;fdflhs sfo{x?n] a}+s k|ltsf] b[li6sf]0fdf ;sf/fTds k|efj k/]sf] Joxf]/f z]o/wgL dxfg'efjx?nfO{ cjutu/fpg rfxG5' . ;fy} lgodgsf/L lgsfon] klg a}+s tyf ljQLo ;+:yfx?nfO{ ;+:yfut pQ/bfloTj ;DaGwL sfo{df yk lqmofzLn x'g cfk\mgf] d'gfkmfsf] sDtLdf ! k|ltzt /sd ;fdflhs pQ/bfloTjsf] nflu Joj:yf ug'{ kg]{ gLlt canDag u/]sf] x'Fbf a}+sn] ;dLIff jif{sf] nflu ;f]xL adf]lhd of]hgf th'{df u/L qmdzM sfof{Gjog u/]sf] 5 . o; Joj:yfnfO{ g]kfn /fi6« a}+ssf] PsLs[t lgb]{zg, @)&% df klg ;dfj]z ul/Psf] x'Fbf a}+sn] rfn" cfly{s jif{df sfo{ljlw agfO{ tf]lsPsf If]qx?df of]ubfg ug{ of]hgfj4 ?kdf sfo{qmdx? cl3 a9fPsf] 5 .

dfgj ;+;fwgd]uf a}+sdf sd{rf/Lx?nfO{ ;fwgsf] ?kdf dfq pkof]u gu/L ;DklQsf] ?kdf kl/eflift ug]{ / tbcg's"n Jojxf/ ug]{ b[li6sf]0f lnOPsf]5 . a}+ssf] k|ult tyf ;kmntf ef}lts k"jf{wf/ jf cGo sf/0fn] geO{ :jo+ a}+sdf sfo{/t hgzlQmn] lbnfpg] tYo k|lt xfdL ljZj:t 5f}+ . t;y{ a}+s;+u pknAw hgzlQmsf] plrt pkof]lutfnfO{ ljz]if Wofg lbg] ul/Psf] 5 h;sf lgldQ sd{rf/Ld}qL jftfj/0f ;[hgf ug{ a}+s k|oTgzLn /xFb} cfPsf] 5 . æbIf hgzlQmÆ a}+sd} sfod /fvL /xg jf cfslif{t ug{ tyf sd{rf/L :jo+sf] j[lQ ljsf;sf] nflu k|f]T;fxg ug]{ hgzlQm /0fgLlt tyf cEof;x?sf] /rgf ul/Psf] 5 . sd{rf/Lx?sf] Ifdtf clej[l4sf nflu cfjZos tflnd tyf j[lQljsf;sf] pkfox? ;d]t klxrfg u/L ;f]xL adf]lhd lhDd]jf/L x:tfGt/0f, tflnd, uf]i7L nufotsf cGo dfgj ;+zfwg ;DaGwL sfo{qmdx? ug]{ ul/Psf] 5 . a}+sn] 1fg]Zj/ l:yt zfvf sfo{nodf Mega Learning Centre sf] :yfkgf u/L tflnd tyf j[lQljsf;sf sfo{qmdx? ;~rfng ub}{ cfO/xsf] 5 . a}+ssf dfGotf / d"Nox? ;d:t sd{rf/Lx?n] cg';/0f ug]{ jftfj/0f ;[hgf u/L a}+sdf æd]uf ;+:s[ltÆ nfO{ k|uf9 kfg{] p2]Zon] ljleGg pknlAwd"ns sfo{qmdx? ;~rfng ul/Fb} cfOPsf] 5 . sd{rf/Lx?n] cfkm\gf] lhDd]jf/L pT;fxhgs ?kdf ;Dkfbg ug{ pko'Qm clek|]/0ff k|bfg ug]{ tkm{ a}+s s]lGb|t /xFb} cfPsf] 5 . ;fy} d"Noj[l4, ahf/b/ h:tf ;"rsx?nfO{ cfwf/ dfg]/ ;do ;fk]If x'g] u/L ;]jf ;'ljwfdf j[l4 ug]{ sfo{ a}+sn] ub}{ cfPsf] 5 . sd{rf/Lsf] ;+nUgtfnfO{ k|j4{g ug{ ;d:t sd{rf/Lx? ;xefuL x'g] u/L lgoldt ?kdf ljleGg Jofj;flos lzIffd"ns Pj+ dgf]/~hgfTds s[ofsnfkx?sf] cfof]hgf ul/Fb} cfOPsf] 5 . sd{rf/Lx?nfO{ cfkm\gf JolQmut / Jofj;flos ;d:ofx? hgzlQm ljefu ;dIf lgw{Ss k|:t't ug]{ jftfj/0f agfOPsf] 5 h;n] sd{rf/Ldf ;sf/fTds :jefj clej[l4 ug{ k|f]T;fxg ug]{df xfdL ljZj:t 5f}+ . k|efjsf/L Pj+ ldtJooL ;~rfng / Joj:yfkg k|0ffnLsf] clej[l4sf nflu a}+sn] ;km\6j]o/sf] dfWodaf6 x/]s ljefux?sf b}lgs lqmofsnfknfO{lg/LIf0f ug]{ u/]sf] 5 eg] cfjZostf adf]lhd x]/km]/ jf k'g/fjnf]sg ;d]t ug]{ u/]sf] 5 . a}+ssf] cfGtl/s ;"rgf ;~hfn ;a} sd{rf/Lx?sf] kx'Fr leq ePsf] sf/0f ;~rf/ tyf ;"rgfsf] of] ;j{;'netfn] a}+sdf sfd ug]{ tyf Ifdtf clej[l4 ug]{ jftfj/0fnfO{ k|f]T;flxt u/]sf] 5 .



n]vfk/LIf0f a}+ssf] ;ftf}+ jflif{s ;fwf/0f ;efn] cfly{s jif{ @)&$÷&% sf] nflu n]vfk/LIf0f ug{ l6=cf/= pkfWof P08 sDkgL, rf6{8{ PsfpG6]06\;nfO{n]vfk/LIfs lgo'Qm u/] adf]lhd pQm sDkgLaf6 n]vfk/LIf0fsf] sfo{ ;DkGg eof] . sDkgL P]g, @)^# -klxnf] ;+zf]wg @)&$_ tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @) df ePsf] Joj:yf adf]lhd pQm kmd{sf] nuftf/ tLg cfly{s jif{sf] n]vfk/LIf0f sfo{ ;DkGg ePsf]]n] cfly{s jif{ @)&%÷&^ sf] lgldQ afXo n]vfk/LIfssf ?kdf k'gM lgo'Qm x'g cof]Uo 7x5{ . t;y{ cfly{s jif{ @)&%÷&^ sf] afXo n]vfk/LIfs lgo'Qmsf nflu a}+ssf] n]vfk/LIf0f ;ldltsf] l;kmfl/;df a}+ssf] cf7f}+ ;fwf/0f ;efdf :jLs[ltsf] nflu k]z ul/Psf] 5 .

;~rfns ;ldlt;dLIff jif{df cWoIf >L ef]h axfb'/ zfx ;lxt >L uf]kfn vgfn, >L dbg s'df/ cfrfo{, >L r]t gf/fo0f kf08], >L lbk]Gb| cu|jfn, >L zDe' laqmd yfkf, >L O{Gb| axfb'/ dNn 7s'/L, >L O{Zj/ axfb'/ u'?Ë / >L k'0f{ axfb'/ vqL ;lxt ( ;b:oLo ;~rfns ;ldlt /x]sf]df a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @) nfu" eP kZrft\ pQm P]gdf & ;b:oLo ;~rfns ;ldlt /xg] Joj:yf eP adf]lhd ;~rfns >L zDe' laqmd yfkf / ;~rfns >L O{Zj/ axfb'/ u'?Ën] ldlt @)&$÷)$÷#@ ut] cf–cfkm\gf] kbaf6 /flhgfdf lbg' eO{ & ;b:oLo ;~rfns ;ldlt /x]sf]df ;~rfns >L r]t gf/fo0f kf08] / >L lbk]Gb| cu|jfnsf] ldlt @)&$÷!)÷!$ ut] b]lv kbfjlw k"/f eO{ kbaf6 cnu /xg' ePsf] . ;fy} d]uf a}+s g]kfn lnld6]8 / ;flas 6'l/hd\ 8]enkd]06 a}+s lnld6]8 aLr Ps cfk;df ufEg]÷ufleg] ;xdlt kqdf pNn]v eP adf]lhd ldlt @)&%÷)!÷#) ut]sf] ;+o'Qm sf/f]af/ k|f/De eP kZrft\ ag]sf] d]uf a}+s g]kfn lnld6]8df ;flas 6'l/hd\ 8]enkd]06 a}+s lnld6]8sf] tkm{af6 k|ltlglwTj x'g] u/L >L d'lQm/fd kf08]nfO{ ;~rfns ;ldltdf lgo'Qm u/L >L O{Gb| axfb'/ dNn 7s'/Ln] ;~rfns kbaf6 /flhgfdf lbO{ % ;b:oLo ;~rfns ;ldlt sfod /x]sf] ePtf klg o; a}+ssf] ldlt @)&%÷)#÷@( ut] ;DkGg ;ftf}+ jflif{s ;fwf/0f ;efaf6 lgjf{lrt cWoIf >L ef]h axfb'/ zfx ;lxt >L uf]kfn vgfn, >L dbg s'df/ cfrfo{, >L O{Gb| axfb'/ dNn 7s'/L, >L d'lQm/fd kf08] / >L afns[i0f lzjfsf]6L nufot :jtGq ;~rfns >L k'0f{ axfb'/ vqL ;lxt & ;b:oLo ;~rfns ;ldlt sfod /x]sf]df :jtGq ;~rfns >L k'0f{ axfb'/ vqLn] ldlt @)&%÷)$÷)( ut] cfkm\gf] kbaf6 /flhgfdf lbg'eO{ a}+sdf ^ ;b:oLo ;~rfns ;ldlt sfod /x]sf] 5 .

cGTodf a}+ssf ;+:yfks tyf z]o/wgL dxfg'efjx?, ;d:t u|fxsju{x?, g]kfn /fi6« a}+s, g]kfn ;/sf/, g]kfn lwtf]kq af]8{, g]kfn :6s PS;r]~h lnld6]8, sDkgL /lhi6«f/sf] sfof{no, l;l8P; P08 lSnol/Ë ln= tyf cGo lgodgsf/L lgsfox?, k|d'v sfo{sf/L clws[t >L cg'kdf v'~h]nL / pxfFsf] g]t[Tjsf] Joj:yfkg ;d"x Pj+ ;Dk"0f{ sd{rf/Lx? tyf a}+ssf] Joj;fosf] j[l4 Pj+ ljsf;df k|ToIf jf ck|ToIf ?kdf ;xof]u k'¥ofpg' x'g] ;Dk"0f{ z'e]R5'sx?sf ;fy} ;~rf/ dfWod k|lt xflb{s cfef/ JoQm ub}{ ;~rfns ;ldltsf] tk{maf6 wGojfb lbg rfxG5' .

;~rfns ;ldltsf] tk{maf6ef]haxfb'/ zfxcWoIf

ldlt M @)&% kf}if #) ut] . -@)&% kf}if * ut] a;]sf] ;~rfns ;ldltsf] a}7sn] kfl/t u/]sf] k|ltj]bg_ :yfg M sf7df8f+} .



-s_ ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg ;~rfns ;ldltsf] k|ltj]bgdf ;+nUg ul/Psf] .

-v_ /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]af/nfO{ s'g} c;/ k/]sf] eP ;f] sf] c;//fli6«o tyf cGt/f{li6«o If]qsf] 36gfqmd, gLltut kl/j{tgsf] sf/0faf6 b]lvg] k|j[ltx?n] a}+ssf] sf/f]af/nfO{ k|ToIf tyf ck|ToIf ?kdf c;/ kfb{5g\ . h;dWo] ;/sf/L tyf cGo lgofds lgsfox?sf] gLlt, lgod tyf lgb]{zgx?, k|lt:kwf{, b]zsf] /fhgLlts cj:yf, cGt/f{li6«o ahf/;+usf] b]zsf] s'6gLlts ;DaGw tyf sf/f]af/, cy{tGqsf cGo If]qdf kg]{ c;/ / ;du| cy{tGqsf kl/;"rsx? 5g\ . ;dLIff jif{sf] nflu ;~rfns ;ldltsf] k|ltj]bg cGtu{t ;dli6ut cfly{s cj:yfsf] l;+xfjnf]sg tyf ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg lzif{sdf pNn]v eP adf]lhdsf sf/0fx?n] a}+ssf] sf/f]af/nfO{ d'Vo ?kn] c;/ kf/]sf 5g\ .

-u_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn" jif{sf] pknlAw / eljiodf ug'{ kg]{ s'/fsf] ;DaGwdf ;~rfns ;ldltsf] wf/0ff

;~rfns ;ldltsf] k|ltj]bgdf ;+nUg ul/Psf] .

-3_ sDkgLsf] cf}Bf]lus jf Jofj;flos ;DaGwa}+ssf !)@ j6f zfvfx? b]zsf ljleGg :yfgx?af6 ;~rflnt 5g\ h;n] ljleGg cf}Bf]lus / Jofj;flos k|lti7fgx?nfO{ ljQLo;]jf k|bfg ub}{ cfPsf 5g\ . a}+ssf] zfvf ;~hfn j[l4;Fu} cf}Bf]lus tyf Jofj;flos ;DaGwsf] ;+Vof÷bfo/f km/flsnf] x'Fb} uO{/x]sf] 5 . a}+s;+u ljleGg If]qdf cfj4 u|fxsju{x?n] sf/f]af/ ug'{x'G5 eg] Jofj;flos ljljwtfdf lbgfg'lbg j[l4 eO/x]sf] 5 .

-ª_ ;~rfns ;ldltdf ePsf] x]/k]m/ / ;f]sf] sf/0f ;dLIff jif{df cWoIf >L ef]h axfb'/ zfx ;lxt >L uf]kfn vgfn, >L dbg s'df/ cfrfo{, >L r]t gf/fo0f kf08], >L lbk]Gb| cu|jfn, >L zDe' laqmd yfkf, >L O{Gb| axfb'/ dNn 7s'/L, >L O{Zj/ axfb'/ u'?Ë / >L k'0f{ axfb'/ vqL ;lxt ( ;b:oLo ;~rfns ;ldlt /x]sf]df a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @) nfu" eP kZrft\ pQm P]gdf & ;b:oLo ;~rfns ;ldlt /xg] Joj:yf eP adf]lhd ;~rfns >L zDe' laqmd yfkf / ;~rfns >L O{Zj/ axfb'/ u'?Ën] ldlt @)&$÷)$÷#@ ut] cf–cfkm\gf] kbaf6 /flhgfdf lbg' eO{ & ;b:oLo ;~rfns ;ldlt /x]sf]df ;~rfns >L r]t gf/fo0f kf08] / >L lbk]Gb| cu|jfnsf] ldlt @)&$÷!)÷!$ ut] b]lv kbfjlw k"/f eO{ kbaf6 cnu /xg'ePsf] . ;fy} d]uf a}+s g]kfn lnld6]8 / ;flas 6'l/hd\ 8]enkd]06 a}+s lnld6]8 aLr Ps cfk;df ufEg]÷ufleg] ;xdlt kqdf pNn]v eP adf]lhd ldlt @)&%÷)!÷#) ut]] ;+o'Qm sf/f]af/ k|f/De eP kZrft\ ag]sf] d]uf a}+s g]kfn lnld6]8df ;flas 6'l/hd\ 8]enkd]06 a}+s lnld6]8sf] tkm{af6 k|ltlglwTj x'g]u/L >L d'lQm/fd kf08]sf] ;~rfns ;ldltdf lgo'QmL;Fu} >L O{Gb| axfb'/ dNn 7s'/Ln] ;~rfns kbaf6 /flhgfdf lbO{ % ;b:oLo ;~rfns ;ldlt sfod /x]sf] ePtfklg o; a}+ssf] ldlt @)&%÷)#÷@( ut] ;DkGg ;ftf}+ jflif{s ;fwf/0f ;efaf6 lgjf{lrt cWoIf >L ef]h axfb'/ zfx ;lxt >L uf]kfn vgfn, >L dbg s'df/ cfrfo{, >L O{Gb| axfb'/ dNn 7s'/L, >L d'lQm/fd kf08] / >L afns[i0f lzjfsf]6L nufot :jtGq ;~rfns >L k"0f{ axfb'/ vqL ;lxt @)&% cfiff9 d;fGtdf & ;b:oLo ;~rfns ;ldlt sfod ePsf] .

-r_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx? ;~rfns ;ldltsf] k|ltj]bgdf ;+nUg ul/Psf] .

-5_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|lts[of s}lkmot ePsf] cj:yfdf s}lkmot pk/ ;'wf/sf] lgldQ ;~rfns ;ldltn] Joj:yfkgnfO{ cfjZos lgb]{zg lb+b} cfPsf] 5 / ;'wf/sf] nflu a}+s ;b}j lqmofzLn /xFb} cfPsf] 5 .

-h_ nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sdn]vfk/LIf0f ePsf] ldlt ;Dd sfod r'Qmf k'FhLsf] ^=*% k|ltzt cyf{t\ ?= &),$%,%*,%&)=%( -;Q/L s/f]8 k+}tfnL; nfv cG7fpGg xhf/ kfFr ;o ;Q/L ?k}+of pgfG;f7L k};f dfq_ gub nfef+z / !=))@## k|ltzt cyf{t\ ?= !),#),($,*&%=*) -bz s/f]8 tL; nfv rf}/fgAa] xhf/ cf7 ;o krxQ/ ?k}+of c;L k};f dfq_ af]g; z]o/u/L s"n ?= *),&^,%#,$$^=#( -c;L s/f]8 5oxQ/ nfv qLkGg xhf/ rf/ ;o 5ofln; ?k}+of pGgrfnL; k};f dfq_ nfef+z l;kmfl/; ul/Psf] 5 .



-em_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] clÍt 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/ laqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/jfkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0f

gePsf] .

-~f_ ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf] cGtdf /x]sf] l:yltsf] k'g/fjnf]sg a}+s / a}+ssf] ;xfos sDkgLsf] sf/f]af/sf] k|ultsf ljifodf o;} ;fy k|sflzt ljQLo ljj/0fx?df pNn]v ul/Psf] .

-6_ sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]af/x? / ;f] cjlwdf sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{g sDkgLn] a}+lsË sf/f]af/ ;~rfng u/]sf] / dxTjk"0f{ sfo{x?sf] af/]df ;~rfns ;ldltsf] k|ltj]bgdf pNn]v ul/Psf] 5 . a}+ssf] ;xfos sDkgLsf] sf/f]af/ ;~rfngdf gcfO;s]sf] ePtfklg ljQLo ljj/0fx? o;} ;fy k|sflzt ul/Psf] 5 .

-7_ ljut cfly{s jif{df sDkgLsf] cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/L g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd k]z ug'{ kg]{{ hfgsf/L eGbf afx]s cGo hfgsf/L k|fKt gePsf] .

-8_ ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / sDkgLsf] z]o/ sf/f]af/df lghx? ;+nUg /x]sf] eP ;f] ;DaGwdf lghx?af6 sDkgLn] k|fKt u/]sf] hfgsf/L

ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx?n] z]o/sf] :jfldTj lnPsf] tyf sDkgLsf] z]o/ sf/f]af/df pxfFx? ;+nUg /xg' ePsf] ;DaGwdf a}+snfO{ s'g} hfgsf/L k|fKt gePsf] .

-9_ ljut cfly{s jif{df sDkgL;Fu ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] af/]df pknAw u/fOPsf] hfgsf/Lsf] Joxf]/f hfgsf/L pknAw gePsf] .

-0f_ sDkgLn] cfk\mgf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfk\mgf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / clÍt d"No tyf To;/L z]o/ vl/b u/] jfkt sDkgLn] e'QmfgL u/]sf] /sd sDkgLn] cfkm\gf] z]o/ cfkm} vl/b gu/]sf] .

-t_ cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0f ljj/0f ;~rfns ;ldltsf] k|ltj]bgdf ;+nUg ul/Psf] .

-y_ ljut cfly{s jif{sf] s"n Joj:yfkg vr{sf] ljj/0f -!_ sd{rf/L vr{ -af]g; ;lxt_ ?= ^(,*(,$),##%÷– -@_ sfof{no ;~rfng vr{ -x|f;s6\6L / kl/zf]wg afx]s_ ?= #&,)^,&),@%^÷–

-b_ n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, lghx?n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn] u/]sf] sfd sf/afxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f]sf] ljj/0f

-!_ n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL ;~rfns >L d'lQm/fd kf08] ;+of]hs ;~rfns >L k'0f{ axfb'/ vqL ;b:o >L dfwj k|;fb yknLof ;b:o ;lrj

-@_ ;~rfns ;ldltaf6 k|ltlglwTj ug]{ ;ldltsf ;b:ox?nfO{ a}7s eQf afx]s s'g} kfl/>lds jf ;'ljwf k|bfg ul/Psf] 5}g . a}+ssf] lgodfjnL cg';f/ k|lt a}7s eQf jfkt ;~rfns ;ldltaf6 k|ltlglwTj ug]{ ;+of]hs / ;b:onfO{ ?= !@,)))÷– k|bfg ul/Psf] 5 .

-#_ cfly{s jif{ @)&$÷&% df n]vfk/LIf0f ;ldltsf] a}7s !% k6s a;]sf] 5 . ;ldltn] cfGtl/s n]vfk/LIf0fsf] jflif{s sfo{of]hgf kfl/t u/L ;f] sfof{Gjo u/fpg] tyf a}+ssf] ljQLo cj:yf, gLlt lgod tyf ;~rfng ;DaGwL sfd s'/fx?sf] k'g/fjnf]sg u/L Joj:yfkg tyf ;~rfns ;ldltnfO{ cfjZos ;'emfjx? ;d]t lbPsf] 5 . o;sf ;fy} g]kfn /fi6« a}+s tyf afXo n]vfk/LIfsn] lbPsf] k|ltj]bg pk/ lj:t[t ?kdf 5nkmn u/L ;~rfns ;ldltnfO{ cfjZos ;'emfj lbPsf] 5 .



-w_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+u7Lt ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f gePsf] .

-g_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sd ;~rfnsx?nfO{ a}7s eQf jfkt ?= $),)@,)))÷– k|bfg ul/Psf] 5 . df]afO{n tyf kqklqsf vr{ jfkt ?= %,&),)))÷– k|bfg ul/Psf 5 .

a}+ssf k|aGws tx / dflysf cGo kbflwsf/Lx?nfO{ lgDg adf]lhdsf] kfl/>lds, eQf tyf ;'ljwf k|bfg ul/Psf] 5 M

qm=;+= ljj/0f k|d'v sfo{sf/L clws[t k|aGws÷dxfk|aGwsx?

! tna (&,*(,(=%% @,(&,@(,@&!÷–

@ eQf &,@),^%^=@* !,(@,$(,!&*÷–

# ;~ro sf]if !,#(,%^)=&@ @(,$),$!!÷–

$ bz}+ eQf !@,@%,)))÷– #!,@(,#(*÷–

% OGwg **,&*)÷– !&,%(,%#%÷–

^ cGouf8L ;'ljwf, rfns, df]jfOn vr{,

aLdf, P]g adf]lhd af]g;Uff8L ;'ljwf, 6]lnkmf]g vr{, aLdf,

cfjf; shf{, clwljsif{ shf{, P]g adf]lhdsf] af]g;

gf]6M k|d'v sfo{sf/L clws[tsf] kfl/>ldsdf k"j{ sfo{sf/L k|d'v / sf=d'= sfo{sf/L k|d'vsf] x}l;otdf xfnsf] sfo{sf/L k|d'vnfO{ k|bfg ul/Psf] kfl/>lds tyf ;]jf ;'ljwf ;d]t pNn]v ul/Psf] 5 .

-k_ z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sd @)&% cfiff9 d;fGtdf z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+z /sd ?= @,**,(!,!@!÷– /x]sf] 5 .

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

-a_ bkmf !&% adf]lhd ;Da4 sDkgL aLr ePsf] sf/f]af/sf] ljj/0f o;} ;fy k|sflzt ljQLo ljj/0fsf] Disclosures and Additional Information cGtu{t a'Fbf g+= $=& "Related Party Disclosures" df k|:t't ul/Psf] .

-e_ o; P]g tyf k|rlnt sfg"g adf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'g} s'/f a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @) sf] bkmf @^ sf] pk bkmf @ adf]lhdsf] ;~rfns ;ldlt tyf pk;ldltsf] sfo{ / vr{sf] ljj/0fM

qm=;+ pk;ldlt a}7s eQf sfo{sf] ;f/f+z

! sd{rf/L ;]jf ;'ljwf ;ldlt 468,000 a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @) df tf]s] adf]lhd Pj+ g]kfn/fi6« a}+sn] hf/L u/]sf] PsLs[t lgb]{zg @)&$ sf] lgb]{zg g+= ^ n] tf]s]sf] sfd, st{Jo / pQ/bfloTj leq /x]/ sfo{ u/]sf]

@ hf]lvd Joj:yfkg ;ldlt 228,000# n]vfk/LIf0f ;ldlt 384,000

$ ;DklQ z'4Ls/0f lgjf/0f ;DaGwL ;ldlt 84,000 AML/CFT ;+u ;DalGwt ljefusf] sfo{ Pj+ k|ltj]bgx?sf] k'g/fjnf]sgsf ;fy} efjL sfo{of]hgf to u/]sf]

% ;fd"lxs ;f}bfafhL ;xdtL ;ldlt 36,000 Joj:yfkg / sd{rf/L o'lgog aLr ;fd"lxs ;f}bfafhLsf] sfo{nfO{ lgisif{df k'¥ofpg] sfo{ u/]sf]^ ;fwf/0f;ef ;ldlt 132,000 ;fwf/0f ;efnfO{ ;kmntfk"j{s ;DkGg ug{ cfjZos tof/Lx? u/]sf]

& dh{/ ;ldlt 60,000 dh{/ sfo{nfO{ ;xhLs/0f ug{ ;~rfns ;ldltnfO{ cfjZos l;kmfl/; Pj+ sfo{x? u/]sf]hDdf pk;ldlt 1,392,000

s"n hDdf 4,002,000

qm=;+ ;ldlt a}7s eQf

! ;~rfns ;ldlt 2,610,000



g]kfn /fi6« a}+sn] hf/L u/]sf] PsLs[t lgb]{zg, @)&$ sf] lgb]{zg g+= ^ -!_-!)_ adf]lhd ;~rfnsx?n] ;f] lgb]{zgdf tf]lsPsf cfr/0fx? kfngf u/]sf] .

-d_ cGo cfjZos s'/fx? o; k|ltj]bgsf] pko'Qm 7fpFdf k|:t't ul/Psf] .

ldltM @)&% kf}if *:yfgM sdnfbL, sf7df8f}+ .

ef]haxfb'/ zfxcWoIf

O{Gb| axfb'/ dNn 7s'/L;~rfns

d'lQm/fd kf08] ;~rfns

afns[i0f lzjfsf]6L ;~rfns

uf]kfn vgfn;~rfns

dbg s'df/ cfrfo{;~rfns



pkef]Qmf shf{Md]uf a}+sn] cfk\mgf u|fxsx?sf] JolQmut cfjZostf k"lt{ ug{ ljleGg k|sf/sf pkef]Qmf shf{x? u|fxs ;dIf NofPsf] 5 . u|fxssf] JolQmut cfjZostfnfO{ ;Daf]wg ug]{ u/L pkef]Qmf shf{ cGtu{t ljleGg of]hgf NofOPsf] xF'bf u|fxsx?nfO{ cfkm\gf] kgsf] cfefif x'g] u/L ;]jf pknAw u/fpg a}+s ;b}a k|ltj4 5, rfx] Tof] 3/ vl/b ug{ rflxg] ljQLo cfjZostf xf];\ jf ;jf/L ;fwg, 3/]n' pks/0f, lzIff, cf}ifwf]krf/ jf kfl/jfl/s labf dgfpg cfjZos kg]{ ljQLo cfjZostf g} lsg gxf];\ .

d]uf c6f] nf]gM d]uf c6f] nf]gn] u|fxssf nflu gofF jf k|of]udf cfO/x]sf lghL ;jf/L ;fwgsf ;fy} Jofj;flos k|of]hgsf nflu ;jf/L ;fwg vl/b ug{ ljQLo ;xof]u pknAw u/fpFb} cfPsf] 5 . cfsif{s Aofhb/, nlrnf] shf{ cjlw tyf e'QmfgL ljsNk h:tf sf/0fn] d]uf c6f]nf]gn] u|fxsnfO{ ;lhn} cfkm\gf] O{R5fPsf] ;jf/L ;fwg 3/ n}hfg ;xh agfPsf] 5 .

d]uf cfjf; shf{M a}+sn] d]uf cfjf; shf{ (Mega Home Loan) dfk{mt u|fxsx?nfO{ emGem6/lxt l56f] 5l/tf] k|lqmofsf] dfWodaf6 shf{ :jLs[lt, ;xh Pj+ nrsbf/ e'QmfgL k|lqmof tyf cfsif{s Aofhb/ ;lxtsf ljljw ljz]iftf o'Qm Kofs]h k|:t't u/]sf] 5 . hUuf vl/b, tof/L 3/ vl/b, ckf6{d]G6 vl/b, cfjf; lgdf{0f, dd{t, k'glg{df0f jf 3/]n' pks/0f vl/b ug{ d]uf xf]d nf]g dfk{mt a}+sn] u|fxssf nflu k"0f{ ljQLo ;dfwfg k|bfg ub}{ cfPsf] 5 .

d]uf df]6{u]h nf]gM nfdf] shf{ cjlw, cfsif{s Aofhb/, ;/n Pj+ l56f] 5l/tf] shf{ k|s[of ;lxtsf] ljz]iftf ePsf] d]uf df]6{u]h shf{ Ps nlrnf] of]hgf xf] . o; cGtu{t u|fxsn] cfkm\gf] tTsflng ljQLo cfjZostf k"/f ug{ ;Sg] 5g\ . pkef]Qmfn] cfkm\gf] :jfldTjdf /x]sf] crn ;DklQ b[li6 aGws u/L d]uf df]6{u]h nf]gsf] dfWodaf6 cfk\mgf] ljQLo cfjZostf k"/f ug{ ;Sb5g\ .

d]uf z}lIfs shf{M g]kfn leq jf g]kfn aflx/ pRr lzIff cWoog ug{ rfxg] ljBfyL{sf] ;xh ljQLo ;dfwfgsf] ?kdf d]uf z}lIfs shf{of]hgf /x]sf] 5 . o;df crn ;DklQ lwtf] /fvL OR5's u|fxsn] pRr lzIffsf nflu cfjZos kg]{ egf{ tyf cWoog z'Ns, d;nGb tyf cGo cfjZos vr{ wfGg shf{ lng ;Sb5g\ . rf/ jif{ ;Ddsf] e'QmfgL :yug cjlw -Moratorium Period_ ePsf] o; of]hgfdf u|fxsn] :yug cjlw e/ pkof]u u/]sf] shf{sf] Aofh dfq ltg{ ;Sg] ljsNk /x]sfn] of] of]hgf u|fxs d}qL 5 .

d]uf ;/n z]o/ lwtf] shf{M z]o/ lwtf] /fvL shf{ lng rfxg] u|fxsx?sf nflu of] Ps ;/n Pj+ emGem6/lxt k|lqmofsf] -Go"gtd?= ! nfv b]lv lng ;lsg]_ cfsif{s Aofhb/ ePsf] shf{ of]hgf xf] .

d]uf 8fO/]S6 a}+lsËM e/kbf]{ Pj+ ;'/lIft cgnfOg a}+lsË ;]jf d]uf 8fO/]S6 a}+lsËn] u|fxsnfO{ cfkm\gf] 3/, sfof{no jf OG6/g]6 ;'ljwf pknAw ePsf] s'g} klg :yfgaf6 @$ ;} 306f, #^% lbg g} a}+lsË ;'ljwfsf] nflu ;Ifd agfPsf] 5 . d]uf 8fO/]S6 a}+lsË ;]jf JolQmut tyf ;+:yf ut b'a} y/Lsf u|fxsx?n] pkof]u ug{ ;Sb5g\ . o;af6 u|fxsx?n] cfk\mgf] vftfdf ePsf] sf/f]af/sf] lj:t[t hfgsf/L lng, r]s dfk{mt /sd e'QmfgL eP gePsf] hfgsf/L lng, lgIf]k tyf shf{sf] hfgsf/L lng tyf a}+s leq}sf] ljleGg vftfdf /sdfGt/ ug{ ;d]t ;Sb5g\ . ;fy} of] ;]jfnfO{ ;/n Pj+ yk ;'/lIft agfpg a}+sn] Two Factor Authentication sf] ljlw k|of]u u/]sf] 5 .

skf{]/]6 a}+lsËb]zsf 7"nf Jofkfl/s Pj+ cf}Bf]lus k|lti7fgx?sf] ljQLo cfjZostfsf ;fy} k|lt:kwf{Tds cj:yf ;d]tnfO{ Wofgdf /fVb} oL k|lti7fgx?sf] Joj;fo j[l4 of]hgfnfO{ a}+sn] /fd|f];Fu a'‰b} cfPsf] 5 . d]uf skf{]/]6 a}+lsËn] d'n'ssf oL k|lti7fgsf ;fy;fy} ax'/fli6«o sDkgLx?nfO{;d]t nlIft u/L pxfFx?sf] ;~rfngdf cfjZos ljQLo ;dfwfgsf nflu ljleGg ;]jfx? pknAw u/fpFb} cfPsf] 5 . o;sf nflu cfjZostf cg';f/sf] rfn" kF'hL shf{, k|tLtkq, cfoft÷lgof{t shf{, l8df08 shf{, cfjlws shf{, laN; kmfOgfG;, k|f]h]S6 kmfOgfG; nufotsf ljljw shf{ of]hgfx? k|bfg ub}}{ cfPsf] 5 h;n] u|fxssf] cf}Bf]lus÷Jofj;flos cfjZostf kl/k"lt{ ug{ ;xh agfPsf] 5 . d]uf a}+s;Fusf] ;xsfo{åf/f Joj;foLx?n] z'?jft b]lv cGTo;Dd cfjZos kg]{ ;a} k|s[ltsf ljQLo cfjZostfx?nfO{ k"lt{ ug{ ;S5g\ .

;fgf tyf demf}nf pBf]u Joj;fo -P;PdO{_÷ld8 s/kf]/]6 shf{b]zleq xnf] b]lv xfO8«f];Dd cfj4 hgtfx?nfO{ ljQLo ;]jf pknAw u/fpg] sfo{df ;fgf tyf demf}nf -P;PdO{_ pBd;Fu ;DalGwt If]qnfO{ lj:tf/ ub}{ a}+lsË ;]jfsf] dfWodaf6 d'n'ssf] cfly{s ljsf;df of]ubfg k'¥ofpg] ;f]rsf ;fy a}+sn] ;fgf tyf demf}nf pBf]u Joj;fo -P;PdO{_ shf{ u|fxs ;dIf k|:t't u/]sf] 5 h;n] ;fgf tyf demf}nf pBdx?nfO{ ljQLo ;'ljwf dfq} pknAw gu/fO{ ljQLo sf/f]af/sf] cEof;, pBd Joj:yfkg tyf ahf/ ljsf;df klg a}+sn] k|f]T;fxg ub{5 . o;sf cnfjf ;fgf pBf]u÷Joj;fo tyf 7"nf s/kf]/]6sf] aLrdf /x]sf dWo cfsf/sf pBf]u÷Joj;fodf ;d]t Wofg s]lGb|t u/L a}+sn] ld8 s/kf]/]6 ju{sf u|fxsx?nfO{ ljQLo ;]jfx? k|bfg ub}{ cfPsf] 5 . P;PdO{÷ld8 s/kf]/]6 cGtu{t a}+sn] lgIf]k b]lv shf{;Ddsf u|fxsnfO{ a[xt ;]jf pknAw u/fpFb} cfPsf] 5 .



d]uf sf8{d]uf a}+s g]kfn lnld6]8n] le;fsf] cflwsfl/s ;b:otf k|fKt u/L cfk\mgf u|fxsx?nfO{ ljZj:t/Lo ;'ljwf k|bfg ug]{ x]t'n] le;fsf ljleGg k|sf/sf Chip-based sf8{ ;'ljwf pknAw u/fFpb} cfPsf] 5 . ;f]xL cg'?k a}+sn] cfkm\gf u|fxsx?nfO{ Chip-based 8]lj6 tyf qm]l86 sf8{ pknAw u/fFpb} cfPsf] 5 . ;fy} ljb]z e|d0f ug]{x?sf nflu a}+sn] lk|k]8 6«fen sf8{ tyf u|fxssf] cfjZostf cg';f/ cGt/f{li6«o q]ml86 sf8{sf];d]t Joj:yf u/]sf] 5 . a}+ssf] sf8{sf] ;~hfn lj:tf/ ug]{ of]hgf cg'?k a}+sn] Union Pay International tyf Mastercard sf] cflwsfl/s ;b:otf k|fKt ug{sf] lgldQ cfjZos sfo{ cufl8 a9fPsf] 5 .

le;fsf u|fxsx?n] sf8{ dfkm{t Pl6Pdaf6 gub e'QmfgLsf] ;]jfsf ;fy;fy} Jofkfl/s s]Gb| / cflwsfl/s eCommerce ;~rfng ug]{;~rf/–;~hfnaf6 ljleGg lsl;dsf ;]jf tyf ;'ljwfx? vl/b ug{ ;Sb5g\ . ;fy} a}+sn] xfn} 3D Secured Service cGtu{t u|fxsn]ck\mgf] sf8{ dfkm{t online sf/f]af/ ug]{ ;Sg] ;'ljwfsf] z'?jft u/]sf] 5 . o; ;'ljwfaf6 sf8{af6 x'g] x/]s sf/f]af/x?df k|fljlws tyf cfly{s ?kdf cem ;'/lIft x'g]5 . 3D Secured Service cGtu{t u|fxsn] sf/f]af/ ubf{ df]afOn tyf Od]ndf k|fKt x'g] OTP (One Time Password) sf] k|of]u u/L sf/f]af/sf] Approval ug]{ Joj:yf x'g]5 h;n] sf/f]af/nfO{ ce}m ;'lglZrt tyf ;'/lIft ub{5 .

d]uf a}+sn] cfkm\gf u|fxsx?nfO{ :t/Lo ;]jf ;'ljwf k|bfg ug]{ p2]Zon] g]kfn OGe]i6d]06 a}+s;+u /x]sf] NPN Network ;+u cfj4 ePsf] 5 h;n] ubf{ d]uf a}+ssf u|fxsx?n] cfk\mgf] Pl6Pd sf8{ dfk{mt NPN sf] ;~hfndf /x]sf :jb]zdf ePsf Pl6Pd tyf laqmL s]Gb|df ;lhn}sf/f]af/ ug{ ;Sb5g\ . cGt/f{li6«o sf8{ e'QmfgL dfkb08 / g]kfn /fi6« a}+ssf] e'QmfgL ;]jf ljefusf] lgb]{zg adf]lhd d]uf a}+sn] cfkm\gf u|fxsx?nfO{ EMV Chip-based sf8{ k|bfg u/]sf] 5 eg] ;f]xL cg'?k a}+sn] cfk\mgf Pl6Pd d]l;gx?nfO{ klg EMV Compatible agfO{ ;s]sf] 5 . gublaxLg sf/f]af/nfO{ a9fjf lbb}+ a}+sn] EMV Compatible POS Machine ljleGg laqmL tyf ;]jf s]Gb|x?df :yfkgf ub}{cfPsf] 5 h;n] ubf{ u|fxsx?n] ;f]e}m cfkm\gf] sf8{ dfkm{t ;]jf ;'ljwf vl/b ug{ ;Sb5g\ . ;fy} qm]l86 sf8{ cGtu{t Insta Buy ;'ljwf lnO{ u|fxsx?n] vl/b u/]sf ;]jf ;'ljwfx? EMI dfk{mt e'QmfgL ug{ ;Sg]5g\ . o;} ;'ljwf cg'?k xfn} a}+sn] aLdf sDkgLx?;+u ;Demf}tf u/L aLdf u|fxsx?nfO{ aLdf lk|ldod EMI df e'QmfgL ug{ Insta Buy ;'ljwfsf] klg z'?jft u/]sf] 5 .

a}+sn] sf8{ ;'ljwfsf clQl/Qm df]afOn tyf OG6/g]6 a}+lsË ;'ljwf klg lbFb} cfO/x]sf] 5 h;af6 u|fxsx?n] cfk\mgf] df]afOn tyf OG6/g]6 a}+lsË dfk{mt cfk\mgf] vftfsf] ljj/0f x]g]{, vftfaf6 /sd 6«fG;km/ -leqL tyf afx\o vftf_ ug]{, q]ml86 sf8{sf] jSof}tf /sd e'QmgL ug]{, cfk\mgf] vftfdf ePsf] sf/f]af/sf] hfgsf/L lng], a}+s ;DaGwL ljleGg ;]jf ;'ljwfsf] hfgsf/L lng] / ljleGg lsl;dsf ;]jf ;'ljwfx?sf] e'QmfgL ;lhn} ug{ ;Sb5g\ . df]afOn a}+lsË ;'ljwfaf6 u|fxsn] cfk\mgf] e'QmfgL tflnsf agfO{ ;f]xL cg';f/ lgoldt ?kdf ;fFjf e'QmfgL tyf Aofh e'QmfgL ug{ ;Sg]5 . lgs6 eljiodf a}+sn] df]afOn a}+lsË ;'ljwfnfO{ QR Code Authentication tyf Finger Print Authentication h:tf k|ljlwsf] k|of]u u/L cem ljsl;t ?kdf Nofpg] tof/L u/L /x]sf] 5 .

d]uf lgIf]k;dfhsf ljleGg If]qaf6 ljQLo >f]tsf] ;+sng u/L t/ntfsf] l:ylt dha't ug{ a}+sn] g]kfnL tyf ljb]zL d'b|fdf ljleGg lgIf]k of]hgfx? u|fxs ;dIf k|:t't u/]sf] 5 . ;dfhsf ;a} txsf u|fxsx?sf] cfjZostfnfO{ Wofgdf /flv rNtL, art, sn tyf d'2lt lgIf]k cGtu{t ljleGg of]hgfx? a}+sn] NofPsf] 5 . a}+ssf lgIf]k of]hgfx? lgDgfg';f/ 5g\ M

d]uf nf]slk|o art vftfM ;dfhsf ;a} JolQmx?sf nflu pko'Qm tyf cfsif{s ?kdf lgIf]k ;'/lIft /fVg] p2]Zon] d]uf nf]slk|o art vftf NofOPsf] xf] . æljQLo ;dfj]lztfÆ eGg] a}+ssf] d'Vo p2]ZonfO{ dgg ub}{ NofOPsf] o; of]hgf cGt

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