g mioli^v izi i hivi@ uji -...
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k|yd jflif{s ;fwf/0f ;efsf] ;"rgf-k|yd k6s k|sflzt ldlt @)&#÷!@÷)&_
>L cfb/0fLo z]o/wgL dxfg'efjHo"x? o; u'/fF; n3'ljQ ljQLo ;+:yf lnld6]8sf] ldlt @)&#÷!@÷)$ ut]sf] ;+rfns ;ldltsf] ##cf}+ a}7ssf] lg0f{ofg';f/ o; ljQLo ;+:yfsf] k|yd jflif{s ;fwf/0f;ef b]xfosf] ljifodf 5nkmn ug{ lgDg lnlvt ldlt, :yfg / ;dodf a:g] ePsf]n] sDklg P]g @)^# sf] bkmf ^& cg';f/ ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{ hfgsf/L tyf pkl:yltsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 . ;fwf/0f ;ef ;DaGwL ;Dk"0f{ ljj/0f z]o/wgL dxfg'efjnfO{ ;dod} k7fOg]5 . s'g} Joxf]/fn] k|fKt gePdf jf x'g g;s]df o;} ;"rgfnfO{ cfwf/ dfgL ;efdf pkl:yltsf] nflu xflb{s cg'/f]w ub{5f}+ .;fwf/0f ;ef x'g] ldlt, :yfg / ;do ldlt M @)&#÷!@÷@* ut] ;f]daf:yfg M xf]6n ;'/le, x'nfs 6f]n wgs'6f .;do M laxfgsf] !!M)) ah] . 5nkmnsf ljifox? M s_ ;fdfGo k|:tfjx? M -!_ ;~rfns ;ldltsf] tkm{af6 cWoIfHo"sf] 5nkmn u/L kfl/t ug{ k]z ug]{ .-@_ n]vfk/LIfssf] k|ltj]bg ;lxt @)&# cfiff9 d;fGt;Ddsf] jf;nft, sf] gfkmf gf]S;fg lx;fa, ;f]xL cjlwsf] gub k|jfx ljj/0f, OlSj6Ldf ePsf] kl/j{tg ;DaGwL ljj/0f / ;DalGwt cg';"rLx? pk/ 5nkmn u/L kfl/t ug{ k]z ug]{ .-#_ cf=j= @)&#÷)&$ sf] nflu n]vfk/LIfssf] lgo'QmL / kfl/>lds ;DaGwdf .-$_ ;~rfnsx?sf] rog jf lgjf{rg ;DaGwdf .-%_ ljljw . v_ ljz]if k|:tfjx? M -!_ sDkgLsf] xfn sfod /x]sf] hf/L z]o/ k'FhL ? ?Fk}of_ / r'Qmf k'FhL ? !,$),)),))).cg'kftdf ;+:yfsf] z]o/ k'FhL j[l¢ u/L, hf/L k'FhL ? $,)),)),))).?Fk}of_ / r'Qmf k'FhL ? @,*),)),))).;fwf/0f ;efdf k|:tfj k]z ug]{ .-@_ dfly pNn]lvt k|:tfjx? Kffl/t eP kZrft k'FhLsf] ;+/rgfdf x]/km]/ ug]{ s|ddf o; ljQLo ;+:yfsf] k|aGwkq / lgodfjnLdf cfjZos ;+zf]wg ug{ tyf ;f]xL ;DaGwdf lgodgsf/L lgsfoaf6 ePsf] lgb]{zgnfO{;ldltnfO{ clwsf/ k|Tofof]hg ug]{ .
k|yd jflif{s k|ltj]bg @)&@÷&#FIRST ANNUAL REPORT 2015/16
k|yd jflif{s ;fwf/0f ;efsf] ;"rgf k|yd k6s k|sflzt ldlt @)&#÷!@÷)&_
>L cfb/0fLo z]o/wgL dxfg'efjHo"x?
o; u'/fF; n3'ljQ ljQLo ;+:yf lnld6]8sf] ldlt @)&#÷!@÷)$ ut]sf] ;+rfns ;ldltsf] ##cf}+ a}7ssf] lg0f{ofg';f/ o; ljQLo ;+:yfsf] k|yd jflif{s ;fwf/0f;ef b]xfosf] ljifodf 5nkmn ug{ lgDg lnlvt ldlt, :yfg / ;dodf a:g] ePsf]n] sDklg P]g @)^# sf] bkmf ^& cg';f/ ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{ hfgsf/L tyf pkl:yltsf] nflu of] ;"rgf
f] 5 . ;fwf/0f ;ef ;DaGwL ;Dk"0f{ ljj/0f z]o/wgL dxfg'efjnfO{ ;dod} k7fOg]5 . s'g} Joxf]/fn] k|fKt gePdf jf x'g g;s]df o;} ;"rgfnfO{ cfwf/ dfgL ;efdf pkl:yltsf] nflu xflb{s cg'/f]w ub{5f}+ . ;fwf/0f ;ef x'g] ldlt, :yfg / ;do M
ldlt M @)&#÷!@÷@* ut] ;f]daf/-tb\cg';f/ !) clk|n, @)!&_ :yfg M xf]6n ;'/le, x'nfs 6f]n wgs'6f . ;do M laxfgsf] !!M)) ah] .
!_ ;~rfns ;ldltsf] tkm{af6 cWoIfHo"sf] cf=j=@)&@÷)&# sf] jflif{s k|ltj]bg pk/ 5nkmn u/L kfl/t ug{ k]z ug]{ . @_ n]vfk/LIfssf] k|ltj]bg ;lxt @)&# cfiff9 d;fGt;Ddsf] jf;nft, sf] gfkmf gf]S;fg lx;fa, ;f]xL cjlwsf] gub k|jfx ljj/0f, OlSj6Ldf ePsf] kl/j{tg
ljj/0f / ;DalGwt cg';"rLx? pk/ 5nkmn u/L kfl/t ug{ k]z ug]{ .#_ cf=j= @)&#÷)&$ sf] nflu n]vfk/LIfssf] lgo'QmL / kfl/>lds ;DaGwdf .$_ ;~rfnsx?sf] rog jf lgjf{rg ;DaGwdf .
!_ sDkgLsf] xfn sfod /x]sf] hf/L z]o/ k'FhL ? @,)),)),))).–-cIf/]kL ? b'O{ s/f]8 ?Fk}of_ / r'Qmf k'FhL ? !,$),)),))).–-cIf/]kL ? Ps s/f]8 rfln; nfv ?Fk}of_ nfO{ ! M ! cg'kftdf ;+:yfsf] z]o/ k'FhL j[l¢ u/L, hf/L k'FhL ? $,)),)),))).–-?Fk}of_ / r'Qmf k'FhL ? @,*),)),))).–-cIf/]kL ? b'O{ s/f]8 c;L nfv ?Fk}of_ agfpg ;fwf/0f ;efdf k|:tfj k]z ug]{ . @_ dfly pNn]lvt k|:tfjx? Kffl/t eP kZrft k'FhLsf] ;+/rgfdf x]/km]/ ug]{ s|ddf o; ljQLo ;+:yfsf] k|aGwkq / lgodfjnLdf cfjZos ;+zf]wg ug{ tyf ;f]xL ;DaGwdf lgodgsf/L lgsfoaf6 ePsf] lgb]{zgnfO{ ;d]t ;dfj]z u/L ;+zf]wg ug{ ;~rfns ;ldltnfO{ clwsf/ k|Tofof]hg ug]{ .
k|yd jflif{s k|ltj]bg @)&@÷&# FIRST ANNUAL REPORT 2015/16
o; u'/fF; n3'ljQ ljQLo ;+:yf lnld6]8sf] ldlt @)&#÷!@÷)$ ut]sf] ;+rfns ;ldltsf] ##cf}+ a}7ssf] lg0f{ofg';f/ o; ljQLo ;+:yfsf] k|yd jflif{s ;fwf/0f;ef b]xfosf] ljifodf 5nkmn ug{ lgDg lnlvt ldlt, :yfg / ;dodf a:g] ePsf]n] sDklg P]g @)^# sf] bkmf ^& cg';f/ ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{ hfgsf/L tyf pkl:yltsf] nflu of] ;"rgf
f] 5 . ;fwf/0f ;ef ;DaGwL ;Dk"0f{ ljj/0f z]o/wgL dxfg'efjnfO{ ;dod} k7fOg]5 . s'g} Joxf]/fn] k|fKt gePdf jf x'g g;s]df o;} ;"rgfnfO{ cfwf/ dfgL ;efdf
sf] jflif{s k|ltj]bg pk/
@_ n]vfk/LIfssf] k|ltj]bg ;lxt @)&# cfiff9 d;fGt;Ddsf] jf;nft, cf=j=@)&@÷)&# sf] gfkmf gf]S;fg lx;fa, ;f]xL cjlwsf] gub k|jfx ljj/0f, OlSj6Ldf ePsf] kl/j{tg
ljj/0f / ;DalGwt cg';"rLx? pk/ 5nkmn u/L kfl/t ug{ k]z ug]{ . #_ cf=j= @)&#÷)&$ sf] nflu n]vfk/LIfssf] lgo'QmL / kfl/>lds ;DaGwdf .
cIf/]kL ? b'O{ s/f]8 cIf/]kL ? Ps s/f]8 rfln; nfv ?Fk}of_ nfO{ ! M !
-cIf/]kL ? rf/ s/f]8 b'O{ s/f]8 c;L nfv ?Fk}of_ agfpg
@_ dfly pNn]lvt k|:tfjx? Kffl/t eP kZrft k'FhLsf] ;+/rgfdf x]/km]/ ug]{ s|ddf o; ljQLo ;+:yfsf] k|aGwkq / lgodfjnLdf cfjZos ;+zf]wg ug{ tyf ;f]xL ;DaGwdf
;d]t ;dfj]z u/L ;+zf]wg ug{ ;~rfns
bf];|f] aflif{s ;fwf/0f ;ef ;DaGwL cGo hfgsf/L M
!= k|To]s z]o/wgL dxfg'efjx¿n] k|j]z kq jf z]o/wgL k|df0fkq lnO{ cfpg' kg]{5 . @= aflif{s ;fwf/0f ;efsf] ;"rgf, aflif{s k|ltj]bg
k7fO{Psf]] 5 . #= ;efdf efu lng k|ltlglw lgo'Qm ug{ rfxg] z]o/wgL dxfg'efjx¿n] ;ef ;'? x'g] ;doeGbf sDtLdf $*
306f cufj} sDkgLsf] s]lGb|o sfof{nodf k|f]S;L kmf/fd btf{ ul/;Sg' kg]{5 . ;efdf efu lngsf nflu k|ltlglw lgo'Qm ul/;s]kl5 pQm k|ltlglw ab/ u/L cs}{ d's// ug]{ ePdf ;f] sf] lnlvt ;"rgf ;f]xL cjlwleq sDkgLsf] s]lGb|o sfof{no, wgs'6f
$= z]o/wgL dxfg'efjx¿sf] nflu xflh/L k'l:tsf ;ef x'g] lbg lbgsf] !! ah]af6 ;ef :yndf v'nf%= cGo hfgsf/Lsf] nflu sDkgLsf] s]lGb|o sfof{no, wgs'6f
/fVgx'g cg'/f]w 5 . ;Dks{ g+= M (&&–@^–%@!&$^
k|yd jflif{s k|ltj]bg @)&@÷&#FIRST ANNUAL REPORT 2015/16
bf];|f] aflif{s ;fwf/0f ;ef ;DaGwL cGo hfgsf/L M
k|To]s z]o/wgL dxfg'efjx¿n] k|j]z kq jf z]o/wgL k|df0fkq lnO{ cfpg' kg]{5 . @= aflif{s ;fwf/0f ;efsf] ;"rgf, aflif{s k|ltj]bg @)&@÷&# ;DaGwL ljj/0f ;a} z]o/wgL dxfg'efjx¿nfO{
;efdf efu lng k|ltlglw lgo'Qm ug{ rfxg] z]o/wgL dxfg'efjx¿n] ;ef ;'? x'g] ;doeGbf sDtLdf $* 306f cufj} sDkgLsf] s]lGb|o sfof{nodf k|f]S;L kmf/fd btf{ ul/;Sg' kg]{5 . ;efdf efu lngsf nflu ltlglw lgo'Qm ul/;s]kl5 pQm k|ltlglw ab/ u/L cs}{ d's// ug]{ ePdf ;f] sf] lnlvt ;"rgf ;f]xL
cjlwleq sDkgLsf] s]lGb|o sfof{no, wgs'6f–&, wgs'6fdf btf{ ul/;Sg'kg]{ 5 . z]o/wgL dxfg'efjx¿sf] nflu xflh/L k'l:tsf ;ef x'g] lbg lbgsf] !! ah]af6 ;ef :yndf v'nfcGo hfgsf/Lsf] nflu sDkgLsf] s]lGb|o sfof{no, wgs'6f–&, wgs'6fdf sfof{no ;doleq ;Dks{
%@!&$^
;~rfns ;ldltsf] cf1fn]
k|yd jflif{s k|ltj]bg @)&@÷&# FIRST ANNUAL REPORT 2015/16
k|To]s z]o/wgL dxfg'efjx¿n] k|j]z kq jf z]o/wgL k|df0fkq lnO{ cfpg' kg]{5 . @)&@÷&# ;DaGwL ljj/0f ;a} z]o/wgL dxfg'efjx¿nfO{
;efdf efu lng k|ltlglw lgo'Qm ug{ rfxg] z]o/wgL dxfg'efjx¿n] ;ef ;'? x'g] ;doeGbf sDtLdf $* 306f cufj} sDkgLsf] s]lGb|o sfof{nodf k|f]S;L kmf/fd btf{ ul/;Sg' kg]{5 . ;efdf efu lngsf nflu ltlglw lgo'Qm ul/;s]kl5 pQm k|ltlglw ab/ u/L cs}{ d's// ug]{ ePdf ;f] sf] lnlvt ;"rgf ;f]xL
z]o/wgL dxfg'efjx¿sf] nflu xflh/L k'l:tsf ;ef x'g] lbg lbgsf] !! ah]af6 ;ef :yndf v'nf /xg]5 .
&, wgs'6fdf sfof{no ;doleq ;Dks{
;~rfns ;ldltsf] cf1fn] sDkgL ;lrj
;fwf/0f ;efdf efu lng cfkm
>L ;~rfns ;ldlt, u'/fF; n3'ljQ ljQLo ;+:yf lnld6]8s]lGb|o sfof{no wgs'6f—&, wgs'6f
dxfzo, ================== lhNNff =============================== g=kf=÷uf=lj=;= j8f g++ =========== a:g] d÷xfdL ============== ====================n] To; ;f]djf/sf lbg x'g] k|yd jflif{s x'g g;Sg] ePsf]n] pQm ;efdf efu lng tyf dtbfg ug{sf nflu ================== lhNnf ================= g=kf=÷uf=lj=;= j8f g+= ======= a:g] To; =============================== z]o/ k|df0fkq g+= ================= nfO{ d]/f]÷xfd|f] k|ltlglw dgf]lgt u/L k7fPsf] 5'÷5f}+ . lgj]bs M b:tvt M gfd M 7]ufgf M z]o/ k|df0fkq g++ M lsQf g++ M =============== b]lv ============= ;Ddz]o/wgL g+= ldlt M b|i6Jo M of] lgj]bg ;fwf/0f ;ef x'g'eGbf k|f]S;L kmf/fd btf{ ul/;Sg' kg]{5 .
z]o/wgLsf] gfd============================z]o/ ;b:otf g+===============z]o/ k|df0f kq g+ M =====================z]o/wgLsf] ;xL M =========================z]o/ ;+Vof=========================z]o/wgL g+ M b|i6Jo M z]o/wgL cfkm}n] ;Dk"0f{ vfnL 7fFpxclgjfo{ x'g]5 .
u'/fF; n3'ljQ ljQLo ;+:yf lnld6]8s]lGb|o sfof{no wgs'6f
k|yd jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf]
k|dy jflif{s ;fwf/0f ;ef @)&@÷&#;fwf/0f ;efdf efu lng cfkm\gf] k|ltlglw lgo'Qm ug]{ lgj]bg
-k|f]S;L kmf/d_
ldlt M ======================
u'/fF; n3'ljQ ljQLo ;+:yf lnld6]8 wgs'6f .
ljifo M k|ltlglw lgo''Qm u/]sf] .
================== lhNNff =============================== g=kf=÷uf=lj=;= j8f g++ =========== a:g] d÷xfdL ============== ====================n] To; ;+:yfsf] z]o/jfnfsf]] x}l;otn] @)&# ;fn
jflif{s ;fwf/0f ;efdf :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n] pQm ;efdf efu lng tyf dtbfg ug{sf nflu ================== lhNnf ================= g=kf=÷uf=lj=;= j8f g+= ======= a:g] To; ljQLo ;+:yf=============================== z]o/ k|df0fkq g+= ================= nfO{ d]/f]÷xfd|f] k|ltlglw dgf]lgt u/L
lsQf g++ M =============== b]lv ============= ;Dd
of] lgj]bg ;fwf/0f ;ef x'g'eGbf sDtLdf $* 306f cufj} o; ;+:yfsf]
k|j]z–kq z]o/wgLsf] gfd============================z]o/ ;b:otf g+===============z]o/ k|df0f kq g+ M
z]o/wgLsf] ;xL M =========================z]o/ ;+Vof=========================z]o/wgL g+ M
b|i6Jo M z]o/wgL cfkm}n] ;Dk"0f{ vfnL 7fFpx? eg'{xf]nf . ;ef sIfdf k|j]z ug{ of] k|j]z
sDkgL ;lrj
u'/fF; n3'ljQ ljQLo ;+:yf lnld6]8 s]lGb|o sfof{no wgs'6f—&, wgs'6f
k|yd jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf]
k|dy jflif{s ;fwf/0f ;ef @)&@÷&# gf] k|ltlglw lgo'Qm ug]{ lgj]bg
ldlt M ======================
================== lhNNff =============================== g=kf=÷uf=lj=;= j8f g++ =========== a:g] d÷xfdL ;fn r}q dlxgf @* ut]
;fwf/0f ;efdf :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n] pQm ;efdf efu lng tyf dtbfg ug{sf nflu ================== lhNnf
ljQLo ;+:yfsf z]o/jfnf >L =============================== z]o/ k|df0fkq g+= ================= nfO{ d]/f]÷xfd|f] k|ltlglw dgf]lgt u/L
o; ;+:yfsf] s]lGb|o sfof{nodf
z]o/wgLsf] gfd============================z]o/ ;b:otf g+===============z]o/ k|df0f kq g+ M z]o/wgLsf] ;xL M =========================z]o/ ;+Vof=========================z]o/wgL g+ M
? eg'{xf]nf . ;ef sIfdf k|j]z ug{ of] k|j]z–kq
sDkgL ;lrj
k|yd jflif{s ;fwf/0f ;efdfcWoIfHo"åf/f
cfb/0fLo z]o/wgL dxfg'efjx¿,
Uf'/fF; n3'ljQ ljQLo ;+:yf lnld6]8tkm{af6 / d]/f] cfkm\gf] JolQmut xflb{s :jfut ub{5' . o; ;+:yfsf] cfly{s jif{ @)&@÷u/L efjL gLlt th'{df / of]hgf sfof{Gjog ug{ oxfFx¿n] dfu{bz{g ug'{x'g]5 eGg] Pj+ ck]Iff /fv]sf] 5' .
ca d o; ;+:yfsf] n]vfk/LIf0f ePsf] cfly{s jif{ nufotsf jflif{s k|ltj]bg / cfly{s jif{ oxfFx¿ ;dIf k]z ug]{ cg'dlt rfxG5' .
!= k|f/lDes M
o; u'/fF; n3'ljQ ljQLo ;+:yf ln= æ3Æ ju{sf] ljQLo ;+:sfof{nodf ldlt @)&#÷)@÷)@z'? ul/ cfkm\gf >f]t–;fwgx¿sf] clwstd ;b'kof]u ug]{ gLltnbIftfk"j{s sf/f]jf/ ;~rfng
@= k|yd jif{sf] sf/f]jf/sf] l;+xfjnf]sg
;+:yf sDkgL /lhi6«f/sf] sfof{noklxnf] cf=j= @)&@÷)&# df o; ;+:yfsf] btf{ k|s[ofdfg} /xFbf ?= !,$&,%))÷cfPsf] 5 .
#= z]o/ k"FhL M
@)&# cfiff9 d;fGt;Dddf o; rfn' cf=j= leq ;+:yfsf] r'Qmfk'FhL @rfxG5' .
$= ;+:yfsf] sfo{If]q tyf sfof{nox¿ M
o; ;+:yfsf] sfo{If]q !) lhNnfwgs'6f, t]x|y'd / ;+v'jf;efePsf] jif{ @)&@÷)&# sf] cGTodfd;fGt;Dddf ^ j6f zfvfx? vf]nL rfxG5' .
%= cfly{s ljj/0fx¿ / gfkmfsf]
o; ;+:yfsf] cf=j= @)&@÷k|dfl0ft cfly{s ljj/0fx¿ ;lxtsf] k|ltj]bg jflif{s k|ltj]bg k'l:tsfdfljQLo ljZn]if0fsf ljleGg kl/;"rsx¿ klg pQm k|ltj]bgdf ;dfj]z 5g
^= jt{dfg cj:yf / cfly{s jif{ )&#÷
cfly{s jif{ @)&#÷)&$ df lgDg lnlvt sfo{qmdx¿ ;~rfng ug]{ sfo{ of]hgf /x]sf]tkm{ Wofg cfs[i6 ug{ rfxG5' .
k|yd jflif{s k|ltj]bg @)&@÷&#FIRST ANNUAL REPORT
jflif{s ;fwf/0f ;efdf ;~rfns ;ldltsf] cWoIfHo"åf/f cf=j= @)&@÷)&# sf]
k|:t't k|ltj]bg
z]o/wgL dxfg'efjx¿,
Uf'/fF; n3'ljQ ljQLo ;+:yf lnld6]8sf] k|yd jflif{s ;fwf/0f ;efdf ;~rfns ;ldltsf] JolQmut tkm{af6 ;d]t pkl:yt ;Dk"0f{ z]o/wgL
' . o; ;+:yfsf] cfly{s jif{ @)&@÷)&# df ePsf sf/f]af/x¿sf] ;ldu/L efjL gLlt th'{df / of]hgf sfof{Gjog ug{ oxfFx¿n] dfu{bz{g ug'{x'g]5 eGg]
ca d o; ;+:yfsf] n]vfk/LIf0f ePsf] cfly{s jif{ @)&@÷)&# sf] sf/bg / cfly{s jif{ @)&#÷)&$ sf] sfo{qmd ;lxtsf] jflif{s k|ltj]bg
oxfFx¿ ;dIf k]z ug]{ cg'dlt rfxG5' .
ljQLo ;+:yf ln= æ3Æ ju{sf] ljQLo ;+:yfsf] ¿kdf @÷)@ ut] btf{ eO{ cfly{s jif{ @)&@÷)&#
;fwgx¿sf] clwstd ;b'kof]u ug]{ gLltnfO{ pRr k|fyldstfdf /fvL f/ ;~rfng ug{ z'? ul/Psf] Joxf]/f ;xif{ hfgsf/L u/fpFb5' .
f/sf] l;+xfjnf]sg M
kgL /lhi6«f/sf] sfof{no / cfGtl/s /fh:j sfof{nodf dfq btf{ eO{cf=j= @)&@÷)&# df o; ;+:yfsf] btf{ k|s[ofdfg} /xFbf ?= !,$&,%))÷
;+:yfkssf] tkm{jf6 r'Qmf ePsf] k"FhL ?= ;+:yfsf] r'Qmfk'FhL @=*) s/f]8 k'¥ofpg] nIo /x]sf]
;+:yfsf] sfo{If]q tyf sfof{nox¿ M
lhNnf /x]sf] 5 . tyflk o; cf=j= sf] kmfNu'0f/ ;+v'jf;ef ul/ tLg lhNnfx¿df dfq sfo{qmd la:tf/ ul/Psf] 5 . :yfkgf
sf] cGTodf o; ;+:yfsf] d'Vo sfof{no ! / zfvfx? vf]nL ljQLo sf/f]af/x? ul/ /flvPsf] Joxf]/f
cfly{s ljj/0fx¿ / gfkmfsf] cj:yf M
@)&@÷)&# sf] n]vfk/LIf0f eO{;s]sf] x'gfn] cf= j= k|dfl0ft cfly{s ljj/0fx¿ ;lxtsf] k|ltj]bg jflif{s k|ltj]bg k'l:tsfdfljQLo ljZn]if0fsf ljleGg kl/;"rsx¿ klg pQm k|ltj]bgdf ;dfj]z 5g
cfly{s jif{ )&#÷)&$ sf] efjL sfo{qmd M
df lgDg lnlvt sfo{qmdx¿ ;~rfng ug]{ sfo{ of]hgf /x]sf]tkm{
k|yd jflif{s k|ltj]bg @)&@÷&# FIRST ANNUAL REPORT 2015/16
;~rfns ;ldltsf] tkm{jf6 cf=j= @)&@÷)&# sf]
;fwf/0f ;efdf ;~rfns ;ldltsf] ;Dk"0f{ z]o/wgL dxfg'efjx¿nfO{ df ePsf sf/f]af/x¿sf] ;ldIff
u/L efjL gLlt th'{df / of]hgf sfof{Gjog ug{ oxfFx¿n] dfu{bz{g ug'{x'g]5 eGg] k"0f{ cfzf
sf] sf/f]jf/sf] gfkmf gf]S;fg sfo{qmd ;lxtsf] jflif{s k|ltj]bg
¿kdf sDkgL /lhi6«f/sf] &# sf] cfly{s sf/f]jf/
fO{ pRr k|fyldstfdf /fvL ul/Psf] Joxf]/f ;xif{ hfgsf/L u/fpFb5' .
dfq btf{ eO{ k|f/De u/]sf] cf=j= @)&@÷)&# df o; ;+:yfsf] btf{ k|s[ofdfg} /xFbf ?= !,$&,%))÷– 3f6f x'g
k"FhL ?= &#=%) nfv /x]sf] 5 . nIo /x]sf] hfgsf/L u/fpg
kmfNu'0f d;fGt;Dd cfOk'Ubf sfo{qmd la:tf/ ul/Psf] 5 . :yfkgf
rfn' cf=j=sf] kmfNu'0f Joxf]/f hfgsf/L u/fpg
;s]sf] x'gfn] cf= j= @)&@÷)&# sf k|dfl0ft cfly{s ljj/0fx¿ ;lxtsf] k|ltj]bg jflif{s k|ltj]bg k'l:tsfdf ;+nUg ul/Psf] 5 . ljQLo ljZn]if0fsf ljleGg kl/;"rsx¿ klg pQm k|ltj]bgdf ;dfj]z 5g\ .
df lgDg lnlvt sfo{qmdx¿ ;~rfng ug]{ sfo{ of]hgf /x]sf]tkm{
-s_ sfof{no lj:tf/ M
xfn d'Vo sfof{no !, / zfvfzfvf sfof{no :yfkgf ug]{ nIo /x]sf]n] cf=j= sfof{no ;+Vof @) k'¥ofpg] nIo
-v_ u|fxs ;b:ox¿sf] j[l4
cfly{s jif{ @)&@÷)&# sf] @)&#÷)&$ sf] cGt;Dddf scl:y/ /fhg}lts cj:yf Pjd t/ntf cksl7gfO eO/x]sf] s'/f cjutcf=j x?df qmdzM ;dfof]hg ul/ ;do ;fk]If nlug] Joxf]/f ;d]t hfgsf/L u/fpb5' .
-u_ C0f;]jf lj:tf/ M
u|fdL0f tyf zx/L If]qdf /x]sf ljkGg ju{sf kl/jf/x¿sf] cfly{s lxtnfO{ Wofgdf /fvL ;fwf/0f shf{, df};dL shf{, j}slNks phf{ shf{, lwtf]shf{{ tyf cfjZostf cg';f/ cGo nufgLsf gofF ;DefJotf jif{ @)&#÷)&$ sf] cGt;Dddf
-3_ lgIf]k lj:tf/ nIo M
;b:ox¿df 5l/P/ /x]sf] ;–sf]if art, ;d'xsf]if art, gofF lsl;dx¿ -New Products^ nfv afFsL art k'¥ofpg] nIo
-ª_ hgzlQmsf] lj:tf/ tyf tflndsf] nIo
cfly{s jif{ @)&#÷)&$ sf] nIo xfl;n ug{ cf=j= sd{rf/L ;+Vof ^* k'¥ofpg] nIo /flvPsf] 5 .
cfly{s jif{ @)&#÷)&$ df hgzlQm ljsf;sf] nflu u|fxsx¿ tyf sd{rf/Lx¿sf] bIftfdf clej[l4 ug]{ x]t'n] cfjZos tflndx¿ k|bfg rfxG5' .
-r_ d'gfkmfdf j[l4 M
;+:yfsf] clej[l4 ePsf] sf/f]jf/ ;+u;+u} d'gfkmf ?= *,%#,%#&÷– cfh{g ug]{
5_ ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg
:yfkgf ePsf] cf=j= @)&@÷rfn' cf=j= @)&#÷)&$ sf] Cl0f ;b:o, ?= !) s/f]8 && nfv @( xhf/ $ ;o @$ nuflgdf /lx/x]sf] C0f /sd tyf ?= ## nfv * xhf/ * ;o #% a9fO{ /x]sf] cj:yf 5 .
h_ ;+:yfnfO{ a'emfpg afFsL /sd M
o; ;+:yfsf] ;~rfns ;ldltsf ;b:ox¿, k|d'v sfo{sf/L clws[t / cfwf/e"t z]o/wgLx¿ jf lghsf gft]bf/x¿af6 ;+:yfnfO{ s'g} klg lsl;dsf] /sd a'emfpg afFsL /x]sf] 5}g .
k|yd jflif{s k|ltj]bg @)&@÷&#FIRST ANNUAL REPORT
sfof{no !, / zfvf sfof{no ^ u/L hDdf & sfof{nox¿ /x]sf]df zfvf sfof{no :yfkgf ug]{ nIo /x]sf]n] cf=j= @)&#÷)&$ sf] cGt;Dddf s'n
ofpg] nIo lnOPsf] 5 .
[l4 M
sf] cjlwdf jrt tyf shf{ nufgL sf/f]jf/ gePsf] /sf] cGt;Dddf s'n !)))) ;b:ox¿ k'¥ofpg] nIo /flvPsf]df ljB
cl:y/ /fhg}lts cj:yf Pjd t/ntf ck|of{Kttfsf] sf/0fn] ubf{ k|If]lKs'/f cjut u/fpg rfxG5' / o; cf=j df gk'u]sf ;b:ox? cfufdL cfly{s ;dfof]hg ul/ ;do ;fk]If nlug] Joxf]/f ;d]t hfgsf/L u/fpb5' .
u|fdL0f tyf zx/L If]qdf /x]sf ljkGg ju{sf kl/jf/x¿sf] cfly{s lxtnfO{ Wofgdf /fvL ;fwf/0f shf{, df};dL shf{, j}slNks phf{ shf{, s[lif tyf kz'kfng shf{, Joj;flos shf{
cg';f/ cGo nufgLsf gofF ;DefJotf tyf If]q cGt;Dddf s'n afFsL C0f ?= @) s/f]8 *! Nffv k'¥ofpg] nIo /x]sf] 5
–;fgf /sdx¿nfO{ art u/fpg] clek|fon]art, hLjg art / ;Da[l4 artsf ;fy} cfjZostf
roducts_ sf] ljsf; u/L cf=j= @)&#÷)&$ sf] cGt;Dddf k'¥ofpg] nIo lnPsf 5f} .
ª_ hgzlQmsf] lj:tf/ tyf tflndsf] nIo M
sf] nIo xfl;n ug{ cf=j= @)&#÷)&$ k'¥ofpg] nIo /flvPsf] 5 .
df hgzlQm ljsf;sf] nflu u|fxsx¿ tyf sd{rf/Lx¿sf] bIftfdf [l4 ug]{ x]t'n] cfjZos tflndx¿ k|bfg ub}{ hfg] gLlt lnPsf] ;d]t hfgsf/L u/fpg
ePsf] sf/f]jf/ ;+u;+u} cfly{s jif{ @)&#÷)&$ df cfh{g ug]{ nIo lnPsf] 5 .
5_ ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg M
@)&@÷)&# df s'g} k|sf/sf] art tyf shf{sf] s r}q @% ut];Dd cfOk'Ubf o; ;+:yfn] @!*! u|fxs ;b:o, !$)!
Cl0f ;b:o, ?= !) s/f]8 && nfv @( xhf/ $ ;o @$ nuflgdf /lx/x]sf] C0f /sd tyf * ;o #% ?k}ofF afFsL art u/L cfkmgf] sfo{qmd ;Gtf]ifhgs ?kn] cl
h_ ;+:yfnfO{ a'emfpg afFsL /sd M
;~rfns ;ldltsf ;b:ox¿, k|d'v sfo{sf/L clws[t / cfwf/e"t z]o/wgLx¿ jf lghsf gft]bf/x¿af6 ;+:yfnfO{ s'g} klg lsl;dsf] /sd a'emfpg afFsL /x]sf] 5}g .
k|yd jflif{s k|ltj]bg @)&@÷&# FIRST ANNUAL REPORT 2015/16
sfof{nox¿ /x]sf]df $ j6f gofF sf] cGt;Dddf s'n zfvf
cjlwdf jrt tyf shf{ nufgL sf/f]jf/ gePsf] / cfly{s jif{ :ox¿ k'¥ofpg] nIo /flvPsf]df ljBdfg b]zsf]
k|If]lKft nIo xfl;n ug{ df gk'u]sf ;b:ox? cfufdL cfly{s
;dfof]hg ul/ ;do ;fk]If nlug] Joxf]/f ;d]t hfgsf/L u/fpb5' .
u|fdL0f tyf zx/L If]qdf /x]sf ljkGg ju{sf kl/jf/x¿sf] cfly{s lxtnfO{ Wofgdf /fvL tyf kz'kfng shf{, Joj;flos shf{ /
tyf If]q klxNofO{ cfly{s k'¥ofpg] nIo /x]sf] 5 .
;fgf /sdx¿nfO{ art u/fpg] clek|fon] JolQmut art, s]Gb| artsf ;fy} cfjZostf cg';f/ artsf
sf] cGt;Dddf & s/f]8
sf] cGt;Dddf s'n
df hgzlQm ljsf;sf] nflu u|fxsx¿ tyf sd{rf/Lx¿sf] bIftfdf ub}{ hfg] gLlt lnPsf] ;d]t hfgsf/L u/fpg
df ;+:yfn] s'n ;~rfng
s'g} k|sf/sf] art tyf shf{sf] sf/f]jf/ /x]sf] 5}g . ;Dd cfOk'Ubf o; ;+:yfn] @!*! u|fxs ;b:o, !$)!
Cl0f ;b:o, ?= !) s/f]8 && nfv @( xhf/ $ ;o @$ nuflgdf /lx/x]sf] C0f /sd tyf afFsL art u/L cfkmgf] sfo{qmd ;Gtf]ifhgs ?kn] cl3
;~rfns ;ldltsf ;b:ox¿, k|d'v sfo{sf/L clws[t / cfwf/e"t z]o/wgLx¿ jf lghsf gft]bf/x¿af6 ;+:yfnfO{ s'g} klg lsl;dsf] /sd a'emfpg afFsL /x]sf] 5}g .
em_ kfl/>lds ;'ljwf M
;~rfns ;ldltsf kbflwsf/Lx¿ ;+:yfsf] b}lgs sfo{ ;~rfngdf ;+nUg gx'g] ePsf] x'Flghx¿nfO{ kfl/>ldssf] Joj:yf ul/Psf] 5}g . ;~rfns ;ldltsf] a}7s eQf afkt ;ldltsf cWoIf tyf ;+rfnsx¿nfO{ a}7s eQfsf] Joj:yf ul/Psf] ePtfklg xfn;Dd s'g} klg ;+rfnsx?n] pQm eQf lng' ePsf] 5}g .
`_ ;DklQsf] vl/b M
o; cfly{s jif{df ;+:yfn] sfo{;~rfng tyf sfo{qmd lj:tf/ ubf{ cfjZos kg]{ ;DklQx¿ vl/b u/]sf] ePklg g]kfn /fi6« a}+ssf] lgb]{zgsf] k|lts"n x'g] u/L ;DklQ vl/b ul/Psf] 5}g .
6_ kl/l:yltsf] c;/ M
zflGt ;'/Iffsf] c;xh cj:yfdf s]xL sdL cfP klg u|fdL0f sfo{ r'gf}tLk"0f{g} 5 . o:tf] r'gf}tLk"0f{ cj:yfsf] ;fdgf ub}{cfPklg of] ;+:yf efjL lbgdf yk u'0f:t/Lo ;]jf k|bfg ug{ / ljQLo ;Ifdtf xfl;n ug{ k|lta4 5 . zflGt ;'/Iff tyf ljt/ntfsf] ;d:ofn] hGdfPsf] k|lts"n cj:yfdf ;d];+:yfk|lt b]vfpg' ePsf] w}o{, ;xof]u Pj+ ;blj:tf/sf] ;Defjgf a9\g uO{ u|fdL0f If]qdf shf{ lj:tf/ ug{ ;d]t ;3fp k'Ug]5 .
7_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx¿ M
d'n'sdf ljBdfg /fhg}lts cl:y/tfsf] sf/0fn] cfly{s If]qdf k/]sf] cfly{s cj/f]wsf] kl/0ffd:j¿k ;du| b]zsf] cy{Joj:yfdf gsf/fTds k|efj k/]sf] x'Fbf o; ;+:yfn] klg ljr'gf}tLx¿sf] ;fdgf ug'{ kl//x]sf] 5 . lbge/ ;;fgf] Jofkf/, cbIf tyf cw{bIf >5fs 6f/L ;f]af6 art ePsf] /sdn] ;+:yfaf6 lnPsf] C0fsf] ls:tf ltg]{ xfd|f u|fxs ;b:ox¿nfO{ d"Noj[l4 / ;do ;dodf cgfjZos ¿kdf x'g] oftfoft tyf ahf/ aGb cflbsf sf/0fn] kf/]sf k|lts"n c;/nfO{ ;xh dfGg ;lsGg / o;af6 ;+:yfsf] cfly{s sf/f]af/ tyf shf{ c;'nLdf k|ToIf jf ck|ToIf ¿kdf k|lts'n c;/ k/]sf] 5 .
&= sf]if Joj:yf M
C0f nufgL, lgIf]k e'QmfgL tyf k|zf;lgs vr{sf nflu cfly{s jif{ kg]{ s'n sf]if dWo] cfGtl/s >f]taf6 k"lt{ eO{yk, cGo jfl0fHo a}+s tyf ljQLo ;+:yfx¿ tyf bft[ ;+:yfx¿;Fu cfjZos k/]sf] ;dodf shf{ ;fk6 tyf cg'bfg lng] gLlt /x]sf] 5 . sf]if Joj:yfsf nflu t'ngfTds nfut tyf zt{x¿ x]/L ljljwLs/0f ub}{n}hh:tf nfut / C0fsf] ;fFjfnfutsf >f]tx¿af6 sf]if Joj:yf ug]{ gLlt lnOPsf] 5 .
*= ;"rgf k|ljlw M
sf/f]af/sf] n]vfª\sg tyf clen]vnfO{ cfjif{ @)&@÷)&# b]lv g} ;kmvl/b u/L ;Dk'0f{ sfof{nox¿df s]Gb|Ls[t k|of]u ul//x]sf] / ;f]xLcg'¿k ;f] ;kmn}hfg] gLlt /x]sf] 5 .
(= ;+:yfut ;'zf;g M
;+:yfut ;'zf;g sfod x'g ;s]df dfq ;+:yfsf] lbuf] ljsf; / k|ult x'g] tYo k|lt xfdL k"0f{ ;r]t Pj+ ;hu 5f}+ . kf/blz{tf / cg'zf;gnfO{ s]jn cf}krfl/stfdf dfq ;Lldt g/fvL sfo{z}nLdf To;nfO{ ¿kfGt/0f ug'{ kb{5 eGg] ;f/ule{t dfGotf /fvL Jojxf/d k|yd jflif{s k|ltj]bg @)&@÷&#
FIRST ANNUAL REPORT
;~rfns ;ldltsf kbflwsf/Lx¿ ;+:yfsf] b}lgs sfo{ ;~rfngdf ;+nUg gx'g] ePsf] x'Flghx¿nfO{ kfl/>ldssf] Joj:yf ul/Psf] 5}g . ;~rfns ;ldltsf] a}7s eQf afkt ;ldltsf cWoIf tyf ;+rfnsx¿nfO{ a}7s eQfsf] Joj:yf ul/Psf] ePtfklg xfn;Dd s'g} klg ;+rfnsx?n] pQm eQf lng' ePsf] 5}g .
o; cfly{s jif{df ;+:yfn] sfo{;~rfng tyf sfo{qmd lj:tf/ ubf{ cfjZos kg]{ ;DklQx¿ vl/b u/]sf] ePklg g]kfn /fi6« a}+ssf] lgb]{zgsf] k|lts"n x'g] u/L ;DklQ vl/b ul/Psf] 5}g .
zflGt ;'/Iffsf] c;xh cj:yfdf s]xL sdL cfP klg u|fdL0f If]qdf /xL ljQLo ;]jf k|bfg ug]{ sfo{ r'gf}tLk"0f{g} 5 . o:tf] r'gf}tLk"0f{ cj:yfsf] ;fdgf ub}{cfPklg of] ;+:yf efjL lbgdf yk u'0f:t/Lo ;]jf k|bfg ug{ / ljQLo ;Ifdtf xfl;n ug{ k|lta4 5 . zflGt ;'/Iff tyf ljt/ntfsf] ;d:ofn] hGdfPsf] k|lts"n cj:yfdf ;d]t ;d"xdf cfjl4t u|fxs ;b:ox¿n] o; ;+:yfk|lt b]vfpg' ePsf] w}o{, ;xof]u Pj+ ;b\efjsf] ;+:yf pRr d'Nofª\g ub{5 . ;fy} sfo{qmd
g uO{ u|fdL0f If]qdf shf{ lj:tf/ ug{ ;d]t ;3fp k'Ug]5 .
_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx¿ M
dfg /fhg}lts cl:y/tfsf] sf/0fn] cfly{s If]qdf k/]sf] cfly{s cj/f]wsf] kl/0ffd:j¿k ;du| b]zsf] cy{Joj:yfdf gsf/fTds k|efj k/]sf] x'Fbf o; ;+:yfn] klg lj
kl//x]sf] 5 . lbge/ ;;fgf] Jofkf/, cbIf tyf cw{bIf >5fs 6f/L ;f]af6 art ePsf] /sdn] ;+:yfaf6 lnPsf] C0fsf] ls:tf ltg]{ xfd|f u|fxs ;b:ox¿nfO{ d"Noj[l4 / ;do ;dodf cgfjZos ¿kdf x'g] oftfoft tyf ahf/ aGb cflbsf sf/0fn] kf/]sf k|lts"n c;/nfO{ ;xh dfGg ;lsGg / o;af6 ;+:yfsf] cfly{s sf/f]af/ tyf shf{ c;'nLdf k|ToIf jf ck|ToIf ¿kdf k|lts'n c;/ k/]sf] 5 .
C0f nufgL, lgIf]k e'QmfgL tyf k|zf;lgs vr{sf nflu cfly{s jif{ @)&#÷if dWo] cfGtl/s >f]taf6 k"lt{ eO{ ck'u x'g] sf]if ;+:yfut z]o/wgL
cGo jfl0fHo a}+s tyf ljQLo ;+:yfx¿ tyf bft[ ;+:yfx¿;Fu cfjZos k/]sf] ;dodf shf{ ;fk6 tyf cg'bfg lng] gLlt /x]sf] 5 . sf]if Joj:yfsf nflu t'ngfTds nfut tyf zt{x¿ x]/L ljljwLs/0f ub}{n}hfg] gLlt lnOPsf] 5 . C0f lnFbf nfUg] Jofh tyf cGo z'Nsx¿
sf] ;fFjf–Jofh ltbf{sf zt{x¿sf] d"Nofª\sg tyf ljZn]if0f u/L sd nfutsf >f]tx¿af6 sf]if Joj:yf ug]{ gLlt lnOPsf] 5 .
sg tyf clen]vnfO{ cfw'lgsLs/0f ug{ a}+sn] sf/f]af/ z'b]lv g} ;km\6j]o/ lgdf{tf æo'/fg; 6]s g]kfn k|f=lnÆ af6 lgld{t
vl/b u/L ;Dk'0f{ sfof{nox¿df s]Gb|Ls[t (Centralized) ;e{/df cfwfl// ;f]xLcg'¿k ;f] ;km\6j]o/sf] cku|]8 / sd{rf/Lx¿sf] Ifdtfdf cle
;+:yfut ;'zf;g sfod x'g ;s]df dfq ;+:yfsf] lbuf] ljsf; / k|ult x'g] tYo k|lt xfdL k"0f{ ;r]t Pj+ ;hu 5f}+ . kf/blz{tf / cg'zf;gnfO{ s]jn cf}krfl/stfdf dfq ;Lldt g/fvL sfo{z}nLdf To;nfO{ ¿kfGt/0f ug'{ kb{5 eGg] ;f/ule{t dfGotf /fvL Jojxf/d
k|yd jflif{s k|ltj]bg @)&@÷&# FIRST ANNUAL REPORT 2015/16
;~rfns ;ldltsf kbflwsf/Lx¿ ;+:yfsf] b}lgs sfo{ ;~rfngdf ;+nUg gx'g] ePsf] x'Fbf lghx¿nfO{ kfl/>ldssf] Joj:yf ul/Psf] 5}g . ;~rfns ;ldltsf] a}7s eQf afkt ;ldltsf cWoIf tyf ;+rfnsx¿nfO{ a}7s eQfsf] Joj:yf ul/Psf] ePtfklg xfn;Dd s'g} klg
o; cfly{s jif{df ;+:yfn] sfo{;~rfng tyf sfo{qmd lj:tf/ ubf{ cfjZos kg]{ ;DklQx¿ vl/b u/]sf] ePklg g]kfn /fi6« a}+ssf] lgb]{zgsf] k|lts"n x'g] u/L ;DklQ vl/b ul/Psf] 5}g .
If]qdf /xL ljQLo ;]jf k|bfg ug]{ sfo{ r'gf}tLk"0f{g} 5 . o:tf] r'gf}tLk"0f{ cj:yfsf] ;fdgf ub}{cfPklg of] ;+:yf efjL lbgdf yk u'0f:t/Lo ;]jf k|bfg ug{ / ljQLo ;Ifdtf xfl;n ug{ k|lta4 5 . zflGt ;'/Iff tyf ljBdfg
t ;d"xdf cfjl4t u|fxs ;b:ox¿n] o; \g ub{5 . ;fy} sfo{qmd
g uO{ u|fdL0f If]qdf shf{ lj:tf/ ug{ ;d]t ;3fp k'Ug]5 .
dfg /fhg}lts cl:y/tfsf] sf/0fn] cfly{s If]qdf k/]sf] cfly{s cj/f]wsf] kl/0ffd:j¿k ;du| b]zsf] cy{Joj:yfdf gsf/fTds k|efj k/]sf] x'Fbf o; ;+:yfn] klg ljleGg
kl//x]sf] 5 . lbge/ ;;fgf] Jofkf/, cbIf tyf cw{bIf >d u/]/ cfkm\gf] 5fs 6f/L ;f]af6 art ePsf] /sdn] ;+:yfaf6 lnPsf] C0fsf] ls:tf ltg]{ xfd|f u|fxs ;b:ox¿nfO{ d"Noj[l4 / ;do ;dodf cgfjZos ¿kdf x'g] oftfoft tyf ahf/ aGb cflbsf sf/0fn] kf/]sf k|lts"n c;/nfO{ ;xh dfGg ;lsGg / o;af6 ;+:yfsf] cfly{s sf/f]af/ tyf
@)&#÷)&$ df cfjZos ck'u x'g] sf]if ;+:yfut z]o/wgLx?jf6 kF"hL
cGo jfl0fHo a}+s tyf ljQLo ;+:yfx¿ tyf bft[ ;+:yfx¿;Fu cfjZos k/]sf] ;dodf shf{ ;fk6 tyf cg'bfg lng] gLlt /x]sf] 5 . sf]if Joj:yfsf nflu t'ngfTds nfut tyf
C0f lnFbf nfUg] Jofh tyf cGo z'Nsx¿ sg tyf ljZn]if0f u/L sd
w'lgsLs/0f ug{ a}+sn] sf/f]af/ z'? u/]sf] cfly{s Æ af6 lgld{t ;km\6j]o/
;e{/df cfwfl/t cgnfO{g ljlw u|]8 / sd{rf/Lx¿sf] Ifdtfdf clej[l4 ub}{
;+:yfut ;'zf;g sfod x'g ;s]df dfq ;+:yfsf] lbuf] ljsf; / k|ult x'g] tYo k|lt xfdL k"0f{ ;r]t Pj+ ;hu 5f}+ . kf/blz{tf / cg'zf;gnfO{ s]jn cf}krfl/stfdf dfq ;Lldt g/fvL sfo{z}nLdf To;nfO{ ¿kfGt/0f ug'{ kb{5 eGg] ;f/ule{t dfGotf /fvL Jojxf/df ptfg{ k|of;
;a} :t/af6 lg/Gt/ ul//x]sf 5f}+ . ;+:yfut ;'zf;gsf] ;Gbe{df lgDg a'Fbfx¿ k]z ug'{ ;fGble{s 7fg]sf] 5' . -s_ o; ;+:yfsf lgodfjnL, k|aGwkq tyf ljlgodfjn
kl/dfh{g ub]{ nlug] 5 .-v_ sfof{Gjog :t/sf] sfo{;Dkfbg hgzlQmsf] lx;fan] tyf vr{sf] lx;fan] u'0f:t/Lo /
bIftfo'Qm agfpg d'VoJoj:yf ul/Psf] 5 .
-u_ g]kfn /fi6« a}+ssf] lgb]{zg-3_ sDkgL sfg'g / g]kfn /fi6« a}+ssf] lgodg / sfg'
s'/fdf xfd|f] ;+:yf ;b}j cu|;/ eljiodf klg /xg] s'
!)= cfGtl/s lgoGq0f Joj:yf M
;+:yfnfO{ ;do ;fk]If kl/j{tg ub}{ n}hfg cfGtl/s lgoGq0f k|0ffnLnfO{ ;'b[9 ug{ cfjZos x'G5 . ;+:yfsf zfvfx¿sf] cfGtl/s lgoGq0fsf nflu ljefu, ;'rgf tyf k|ljlw ljefu, hgzlQm tyf of]hgf ljefun]vfk/LIf0fsf nflu cfGtl/s ;|f]tk|0ffnLnfO{ r':tb'?:t agfO{ /fVg /fli6«o ;j{dfGo n]vf gLlt cGtu{t n]vf /fVg], g]kfn /fi6« a}+ssf] lgb]{zgx¿sf] kfngf ug]{÷u/fpg] / b}lgs sfo{nfO{ lgoldt tyf Jojl:yt 5 . cfGtl/s tyf afXo lg/LIf0f, cfGtl/s n]vfk/LIf0f, atyf s}lkmotx¿sf] ;'wf/ oyflzsfddf ;+:yf ;w}+ ;r]t /x]sf] 5 . ;fy}Joj:yfkgsf] ;d;fdlos ;'wf/sf nflu n]vhfgsf/L u/fpg rfxG5' .
!!= dfgj ;+zfwgsf] ljsf; M
u|fxs ;]jfnfO{ :t/Lo Pj+ e/kbf]{ agfO{ ;+:yfut ljsf;df sd{rf/Lx¿sf] e"ldsf ckl/xfo{ x'G5 eGg] dfGotfk|lt xfd|f] ljZjf; /lxcfPsf] 5 . Joj;+zfwgsf] ljz]if dxTj x'g] tYo af/] s;}sf] b'O{ pRrtd ljGb';Dd k'¥ofpg] jftfj/0fsf] ;[hgf u/L pgJoj;flos lzk Pj+ bIftf, cfk;L ;bs'/fx¿sf] k|j4{g ug]{tkm{ ;+:yf ;w}+ ;do / kl/j]zcg';f/ sd{rf/Lx¿nfO{ k|lt:kwL{ jftfj/afXo tflnd lbO{ pgLx¿sf] j[lQ ljsf; u/fVg ;dofg's'n sd{rf/Lx¿sf] ;]jf
!@= sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx¿ M
ljBdfg /fhgLlts tyf cfly{s jftfj/0fdf ;+:yfsf] sf/f]jlgDg a'Fbfx¿ k|:t't ug{ rfxG5' . o; ;x'g]g} 5 .
-s_ b]zsf] t/n /fhgLlt, g]kfn /fi6« a}+sn] ug]{ lgodg x'g ;Sg] ;Defljt hf]lvdx¿ .-v_ ljkGg ju{sf] pTyfgsf] nflu lagflwtf] nu
k|efjdf k/L C0fLn] x'g;Sg] ;Defjgf .
-u_ n3'ljQsf] sf/f]jf/ ug]{ o; a}+snfO{ cfos/df 5'6 tyf k|f]T;fxg glbO{ cGo jfl0fHo a}+sx¿ ;/x s/sf] bfo/fdf /fVbf ljkGg kl/jf/df ;:tf] nfutdf ;]jf k'¥ofpg sl7gfO{ .
k|yd jflif{s k|ltj]bg @)&@÷&#FIRST ANNUAL REPORT
;a} :t/af6 lg/Gt/ ul//x]sf 5f}+ . ;+:yfut ;'zf;gsf] ;Gbe{df lgDg a'Fbfx¿ k]z ug'{
o; ;+:yfsf lgodfjnL, k|aGwkq tyf ljlgodfjnLx¿nfO{ ;d;fdlos agfpg 5 .
sfof{Gjog :t/sf] sfo{;Dkfbg hgzlQmsf] lx;fan] tyf vr{sf] lx;fan] u'0f:t/Lo / d'Vo sfof{no tyf zfvf sfof{nox¿sf] ;d]t lgoldt cg'udgsf]
Joj:yf ul/Psf] 5 . g]kfn /fi6« a}+ssf] lgb]{zgnfO{ s8fO{sf ;fy kfngf ug]{ u/fpg] Joj:yf ul/Psf] 5 .
g]kfn /fi6« a}+ssf] lgodg / sfg'gL k|fjwfgx¿sf] cIf/zMs'/fdf xfd|f] ;+:yf ;b}j cu|;/ /xL /xg ;~rfns ;ldlt k|lta4tf /xL cfPsf] 5, / eljiodf klg /xg] s'/fdf ljZjf; lbnfpg rfxG5' .
cfGtl/s lgoGq0f Joj:yf M
;do ;fk]If kl/j{tg ub}{ n}hfg cfGtl/s lgoGq0f k|0ffnLnfO{ ;'b[9 ug{ cfjZos x'G5 . ;+:yfsf zfvfx¿sf] cfGtl/s lgoGq0fsf nflu s]Gb|Lo sfof{nodfljefu, ;'rgf tyf k|ljlw ljefu, hgzlQm tyf of]hgf ljefu
s ;|f]taf6 n]vfk/LIf0f u/fpg] gLlt lnPsf] 5 . cfGTfl/s lgoGq0f k|0ffnLnfO{ r':tb'?:t agfO{ /fVg /fli6«o ;j{dfGo n]vf gLlt cGtu{t n]vf /fVg], g]kfn /fi6« a}+ssf] lgb]{zgx¿sf] kfngf ug]{÷u/fpg] / b}lgs sfo{nfO{ lgoldt tyf Jojl:yt
g/LIf0f, cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0faf6 cfPsf ;'etyf s}lkmotx¿sf] ;'wf/ oyflz3| u/L sf/f]af/nfO{ cBfjlws tyf lgod;+ut agfpg]
;+:yf ;w}+ ;r]t /x]sf] 5 . ;fy} ;du| Joj:yfkgsf] s[ofsnfknfO{ lgu/fgL tyf Joj:yfkgsf] ;d;fdlos ;'wf/sf nflu n]vfk/LIf0f ;ldlt u7g ul/Psf
dfgj ;+zfwgsf] ljsf; M
u|fxs ;]jfnfO{ :t/Lo Pj+ e/kbf]{ agfO{ ;+:yfut ljsf;df sd{rf/Lx¿sf] e"ldsf ckl/xfo{ x'G5 eGg] dfGotfk|lt xfd|f] ljZjf; /lxcfPsf] 5 . Joj;flos p2]Zo k|flKtsf nflu dfgj ;+zfwgsf] ljz]if dxTj x'g] tYo af/] s;}sf] b'O{ dt gxf]nf . To;}n] sd{rf/Lx¿sf] IfdtfnfO{ pRrtd ljGb';Dd k'¥ofpg] jftfj/0fsf] ;[hgf u/L pgLx¿sf] g}lts :t/, Odfgbf/L,
f, cfk;L ;b\efj, ;[hgzLntf, ;fd'lxs sfos'/fx¿sf] k|j4{g ug]{tkm{ ;+:yf ;w}+ k|oTgzLn 5 . dfgj ;+zfwgsf] bIftfdf clej[l4 u/L ;do / kl/j]zcg';f/ sd{rf/Lx¿nfO{ k|lt:kwL{ jftfj/0fdf h'emf? agfpg cfGtl/s tyf fXo tflnd lbO{ pgLx¿sf] j[lQ ljsf; ub}{ hfg] gLlt /x]sf]5 . sd{rf/Lx¿sf] dgf]an pRr
sd{rf/Lx¿sf] ;]jf ;'ljwfdf Wofg lbOg]5 .
sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx¿ M
fly{s jftfj/0fdf ;+:yfsf] sf/f]jf/df k|ToIf ¿kdf c;/ kfl//x]sf 'Fbfx¿ k|:t't ug{ rfxG5' . o; ;DaGwdf z]o/wgL dxfg'efj
b]zsf] t/n /fhgLlt, g]kfn /fi6« a}+sn] ug]{ lgodg–lgb]{zg kl/jt{g cflbaf6 x'g ;Sg] ;Defljt hf]lvdx¿ . ljkGg ju{sf] pTyfgsf] nflu lagflwtf] nufgL ul/Psf] shf{ s'g} ;+ul7t ;d'k|efjdf k/L C0fLn] tf]lsPsf] ;dodf r'Qmf gu/]sf] cj:yfdf pQm shf{ c;'/lIft
;Sg] ;Defjgf . f/ ug]{ o; a}+snfO{ cfos/df 5'6 tyf k|f]T;fxg glbO{ cGo jfl0fHo
a}+sx¿ ;/x s/sf] bfo/fdf /fVbf ljkGg kl/jf/df ;:tf] nfutdf ;]jf k'¥ofpg
k|yd jflif{s k|ltj]bg @)&@÷&# FIRST ANNUAL REPORT 2015/16
;a} :t/af6 lg/Gt/ ul//x]sf 5f}+ . ;+:yfut ;'zf;gsf] ;Gbe{df lgDg a'Fbfx¿ k]z ug'{
Lx¿nfO{ ;d;fdlos agfpg
sfof{Gjog :t/sf] sfo{;Dkfbg hgzlQmsf] lx;fan] tyf vr{sf] lx;fan] u'0f:t/Lo / ;d]t lgoldt cg'udgsf]
s8fO{sf ;fy kfngf ug]{ u/fpg] Joj:yf ul/Psf] 5 . gL k|fjwfgx¿sf] cIf/zM kfngf ug]{
k|lta4tf /xL cfPsf] 5, /
;do ;fk]If kl/j{tg ub}{ n}hfg cfGtl/s lgoGq0f k|0ffnLnfO{ ;'b[9 ug{ cfjZos sfof{nodf n]vf tyf ljQ
ljefu, ;'rgf tyf k|ljlw ljefu, hgzlQm tyf of]hgf ljefux¿ ;fy} cfGt/Ls lt lnPsf] 5 . cfGTfl/s lgoGq0f
k|0ffnLnfO{ r':tb'?:t agfO{ /fVg /fli6«o ;j{dfGo n]vf gLlt cGtu{t n]vf /fVg], g]kfn /fi6« a}+ssf] lgb]{zgx¿sf] kfngf ug]{÷u/fpg] / b}lgs sfo{nfO{ lgoldt tyf Jojl:yt ug]{ ul/Psf]
fXo n]vfk/LIf0faf6 cfPsf ;'emfj 3| u/L sf/f]af/nfO{ cBfjlws tyf lgod;+ut agfpg]
;du| Joj:yfkgsf] s[ofsnfknfO{ lgu/fgL tyf u7g ul/Psf] Joxf]/f ;d]t
u|fxs ;]jfnfO{ :t/Lo Pj+ e/kbf]{ agfO{ ;+:yfut ljsf;df sd{rf/Lx¿sf] e"ldsf ckl/xfo{ flos p2]Zo k|flKtsf nflu dfgj
gxf]nf . To;}n] sd{rf/Lx¿sf] IfdtfnfO{ Lx¿sf] g}lts :t/, Odfgbf/L,
lxs sfo{ ug]{ efjgf h:tf k|oTgzLn 5 . dfgj ;+zfwgsf] bIftfdf clej[l4 u/L
0fdf h'emf? agfpg cfGtl/s tyf sd{rf/Lx¿sf] dgf]an pRr
f/df k|ToIf ¿kdf c;/ kfl//x]sf Ho"x¿af6 ;'emfj k|fKt
lgb]{zg kl/jt{g cflbaf6
fgL ul/Psf] shf{ s'g} ;+ul7t ;d'xsf] ] cj:yfdf pQm shf{ c;'/lIft
f/ ug]{ o; a}+snfO{ cfos/df 5'6 tyf k|f]T;fxg glbO{ cGo jfl0fHo a}+sx¿ ;/x s/sf] bfo/fdf /fVbf ljkGg kl/jf/df ;:tf] nfutdf ;]jf k'¥ofpg
-3_ a}+s tyf ljQLo ;+:yfx¿ :yfkgf x'g] qmd al9/x]sf] x'gfn] jt{dfg c:j:Yo k|lt:kwf{Tds ahf/af6 o; a}+ssf] ;~rfngdfk|lt:kwf{Tds tl/sfn] sfo{qmdnfO{ cufl8 a9fpg'kg]{ l:ylt
-ª_ k|ToIf 3/ b}nf] a}+lsª k|0ffnL;DalGwt k'g/tfhlu Pjd sd{rf/Lx?sf] j[lQ;+:yfx? eGbf ;+rfng vr{ al9 /x]sf] tyf t/ntfsf] sldn] ubf{ nfut(Cost of Fund)tf]lsg' .
!#= ck]Iff tyf cfef/ M
;j{k|yd d g]kfn /fi6« a}+sk|lt k|d'v lgodg lgsfosf] x}l;otdf o; ;+:yfnfO{ k|ulttkm{ pGd'v Pj+ ultzLn agfpg k'¥ofO/x]sf] of]ubfgsf] nflu ;~rfns 1fkg ug{ rfxG5' . cfkm\gf u|fxs ;b:ox¿nfO;fk6 pknAw u/fO{ ;xof]u ug'{cfufdL lbgx?df klg ;x'ln;dod} n]vfk/LIf0fsf] sfo{ ;DkGg u/L ;+:yfnfO{ cd'>L l8=cf/=pkfWofo P08 P;f]l;o6 sDkgLnfO{ ;~rfns ;ldltsf] tkm{af6 wGojfb 1fkg ub{5' .
;+:yfsf] k|ultdf k|ToIf jf ck|ToIf ¿kn] ;+nUg z]o/wgL, lgIf]kstf{, C0f sf/f]jf/ ug]{ u|fxsx¿, ljleGg a}+s tyf ljQLo ;+:yfx¿, ;kmsDkgLx¿ Pj+ z'e]R5's dxfg'efjx¿nfO{ pxfFx¿af6 k|fKt ;xof]u, ;''emfj / dfu{ lgb]{zgsf nflu xflb{s s[t1tf 1fkg ug{ rfxG5' .dxTjk"0f{ of]ubfg k'¥ofpFb} cfpg' ePsf k|d'v sfo{sf/L clws[t >L wGojfb lbg rfxG5' . ;fy} lhDd]jf/L k'/f ug]{ o; ;+:yfsf nugzLn, st{Jolgi7 tyf O{dfGbf/ sd{rf/Lx¿k|lt ljz]if wGojfb 1fkg ub}{ cfufdL lbgdf ;d]t k|efjsf/L ;d'of]ubfg k'Ug] ck]Iff /fv]sf] 5'a9\g ;+:yfnfO{ ;xof]u k'¥ofpg] ;~rfns ldqx¿, ;+:yfsf] lj:tf/ / ljsf;df ;b}jlrGtglzn /xg] ldqx¿ tyf ;+dxfg'efjx¿df klg ljz]if wGoj
cGTodf ljz]iftM u|fdL0f If]qdf cjl:yt ljkGg ju{sf] cfly{sk|d'v p2]Zo lnP/ ;~rfng eO{;b\efjk"0f{ ;xof]u kfO/xg] k"0f{ cfzf u/]sf] 5' . ;fy} o; pkl:yt eO{ sfo{qmdsf] ul/df a9fOxflb{s s[t1tf JoQm ug{ rfxG5' .
!$= lgrf]8 M
;du|df jflif{s cfly{s ljj/0f tyf ;~rfns ;ldltsf] tkm{af6 ;fwf/0f ;efdf k]zug{ tof/ ul/Psf] k|ltj]bgn] ;+:yfsf] oyfy{ cfly{s sf/f]jljBdfg b]zsf] cl:y/ /fhg}lts cj:yf Pjd t/ntf ck|of{Kttfsf] sf/0fn] ubf{ k|efj kfg{ ;Sg] b]lvG5 .
wgs'6f . @)&# r}q @* ut] ;f]daf/ .
k|yd jflif{s k|ltj]bg @)&@÷&#FIRST ANNUAL REPORT
a}+s tyf ljQLo ;+:yfx¿ :yfkgf x'g] qmd al9/x]sf] x'gfn] jt{dfg c:j:Yo k|lt:kwf{Tds ahf/af6 o; a}+ssf] ;~rfngdf a9L zt{stf ckgfO{ :j:y k|lt:kwf{Tds tl/sfn] sfo{qmdnfO{ cufl8 a9fpg'kg]{ l:ylt ljBdfg /x]sf] 5 k|ToIf 3/ b}nf] a}+lsª k|0ffnL dfkm{t sfo{qmd ;+rfng ubf{, P
tfhlu Pjd lzkd'ns tflndx? ;+rfng ubf{, tlQ ljsf;sf] nflu tflndx? ;+rfng ug'
;+:yfx? eGbf ;+rfng vr{ al9 /x]sf] tyf t/ntfsf] sldn] ubf{ (Cost of Fund) j[l¢ eO{ /x]sf] ljBdfg cj:yfdf :k|]8 /]6
g]kfn /fi6« a}+sk|lt k|d'v lgodg lgsfosf] x}l;otdf o; ;+:yfnfO{ k|ulttkm{ pGd'v Pj+ ultzLn agfpg k'¥ofO/x]sf] of]ubfgsf] nflu ;~rfns ;ldltsf] tkm{af6
gf u|fxs ;b:ox¿nfO{ C0f nufgL ug{ ;+:yfnfO{ ;oddf;fk6 pknAw u/fO{ ;xof]u ug'{x'g] ;a} a}+s tyf ljQLo ;+:yf k|lt klg
not b/df cfjZos sf]if pknAw x'Fb} hfg] s'/fdf lsf] sfo{ ;DkGg u/L ;+:yfnfO{ cd'No ;'emfj ;d]t lbg] afx
P08 P;f]l;o6 sDkgLnfO{ ;~rfns ;ldltsf] tkm{af6 wGojfb 1fkg
k|ultdf k|ToIf jf ck|ToIf ¿kn] ;+nUg z]o/wgL, lgIf]kstf{, C0f sf/f]jf/ ug]{ u|fxsx¿, ljleGg a}+s tyf ljQLo ;+:yfx¿, ;km\6j]o/ lgdf{tf sDkgL, ljleGg /]ld6
Pj+ z'e]R5's dxfg'efjx¿nfO{ pxfFx¿af6 k|fKt ;xof]u, ;''emfj / dfu{ lgb]{zgsf s[t1tf 1fkg ug{ rfxG5' . ;+:yfsf] k|f/lDes sfnb]lv Joj:yfksLo g]t[Tj
dxTjk"0f{ of]ubfg k'¥ofpFb} cfpg' ePsf k|d'v sfo{sf/L clws[t >L wGojfb lbg rfxG5' . ;fy} ;+:yfsf] ;'Joj:yfkg / pGglt k|ult k|lt O{
/f ug]{ o; ;+:yfsf nugzLn, st{Jolgi7 tyf O{dfGbf/ sd{rf/Lx¿k|lt ljz]if cfufdL lbgdf ;d]t k|efjsf/L ;d'x sfo{af6 ;+:yfsf] k|ultdf cema9
of]ubfg k'Ug] ck]Iff /fv]sf] 5' . ;do ;dodf pko'Qm lg0f{o lnO{ ;d'Gg¥ofpg] ;~rfns ldqx¿, ;+:yfsf] lj:tf/ / ljsf;df ;b}j
lrGtglzn /xg] ldqx¿ tyf ;+:yfnfO{ x/t/xn] ;xof]u ug{ ;w}+g} tTk/ wGojfb 1fkg ub{5' .
cGTodf ljz]iftM u|fdL0f If]qdf cjl:yt ljkGg ju{sf] cfly{s–;fdflhs pTyfgdk|d'v p2]Zo lnP/ ;~rfng eO{/x]sf] o; ;+:yfsf] k|efjsf/L ;~rfngdf ;DalGwt ;a}sf]
efjk"0f{ ;xof]u kfO/xg] k"0f{ cfzf u/]sf] 5' . ;fy} o; k|yd jflif{s ;fwf/0f ;efdf pkl:yt eO{ sfo{qmdsf] ul/df a9fO{ lbg'ePsf]df ;Dk"0f{ ;:yfks z]o/wgLxflb{s s[t1tf JoQm ug{ rfxG5' .
;du|df jflif{s cfly{s ljj/0f tyf ;~rfns ;ldltsf] tkm{af6 ;fwf/0f ;efdf k]zug{ tof/ gn] ;+:yfsf] oyfy{ cfly{s sf/f]jf/x¿sf] k|ltlglwTj u5{ . cl:y/ /fhg}lts cj:yf Pjd t/ntf ck|of{Kttfsf] sf/0fn] ubf{ k|efj kfg{
wGojfb Û
k|yd jflif{s k|ltj]bg @)&@÷&# FIRST ANNUAL REPORT 2015/16
a}+s tyf ljQLo ;+:yfx¿ :yfkgf x'g] qmd al9/x]sf] x'gfn] jt{dfg c:j:Yo zt{stf ckgfO{ :j:y
ljBdfg /x]sf] 5 . dfkm{t sfo{qmd ;+rfng ubf{, Pjd ljleGg u|fxs;+u
;+rfng ubf{, tyf ;do;fk]If nflu tflndx? ;+rfng ug'{kg]{ xF'bf cGo a}+lsª
;+:yfx? eGbf ;+rfng vr{ al9 /x]sf] tyf t/ntfsf] sldn] ubf{ k'FhLsf] :k|]8 /]6 / Jofhb/ ;Ldf
g]kfn /fi6« a}+sk|lt k|d'v lgodg lgsfosf] x}l;otdf o; ;+:yfnfO{ k|ulttkm{ ;ldltsf] tkm{af6 s[t1tf
{ C0f nufgL ug{ ;+:yfnfO{ ;oddfg} C0f ljQLo ;+:yf k|lt klg cfef/ k|s6 ub}{
b} hfg] s'/fdf ljZj:t 5' . No ;'emfj ;d]t lbg] afx\o n]vfk/LIfs
P08 P;f]l;o6 sDkgLnfO{ ;~rfns ;ldltsf] tkm{af6 wGojfb 1fkg
k|ultdf k|ToIf jf ck|ToIf ¿kn] ;+nUg z]o/wgL, lgIf]kstf{, C0f sf/f]jf/ ug]{ DkgL, ljleGg /]ld6\ofG;
Pj+ z'e]R5's dxfg'efjx¿nfO{ pxfFx¿af6 k|fKt ;xof]u, ;''emfj / dfu{ lgb]{zgsf Joj:yfksLo g]t[Tj lnO{
dxTjk"0f{ of]ubfg k'¥ofpFb} cfpg' ePsf k|d'v sfo{sf/L clws[t >L s'ndl0f ltlD;gfnfO{ k|lt O{dfGbf/ /xL cfkm\gf]
/f ug]{ o; ;+:yfsf nugzLn, st{Jolgi7 tyf O{dfGbf/ sd{rf/Lx¿k|lt ljz]if x sfo{af6 ;+:yfsf] k|ultdf cema9L
;do ;dodf pko'Qm lg0f{o lnO{ ;d'Ggltsf] af6f]df cl3 ¥ofpg] ;~rfns ldqx¿, ;+:yfsf] lj:tf/ / ljsf;df ;b}j
g} tTk/ /xg] z]o/wgL
;fdflhs pTyfgdf ;xof]u ug]{ /x]sf] o; ;+:yfsf] k|efjsf/L ;~rfngdf ;DalGwt ;a}sf]
jflif{s ;fwf/0f ;efdf 0f{ ;:yfks z]o/wgL dxfg'efjx? K|lt
;du|df jflif{s cfly{s ljj/0f tyf ;~rfns ;ldltsf] tkm{af6 ;fwf/0f ;efdf k]zug{ tof/ f/x¿sf] k|ltlglwTj u5{ . k|If]lkt of]hgfnfO{
cl:y/ /fhg}lts cj:yf Pjd t/ntf ck|of{Kttfsf] sf/0fn] ubf{ k|efj kfg{
pbo gf/fo0f a/fn cWoIf
;+rfns ;ldlt
D.R. tlpadhyaya &Registered AuditorKathnandu, Nepal
Asso
IxoupmrnrN:r Armrron's Rnponr
ICAN Cop No: 1305
ICAN Mem. No: 6994
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THA STTAREHOLDERS,
GURANS LAGHIIBITTA BITTTYA SANSTIIA LTD
We have audited the accompan]rng financial statements of Gurans Laghubitta Bittiyasanstha Limited (the "company') as of 15 July 2arc et Ashad 20fi);hich comprisethe balance sheet, profit and loss account, statement of changes in equity and cash flowfor the period then ended and a summary of significant aciouoting poicies and otherexplanatory notes.
Management's responsibility for the financial statements
Managernent is responsible for the preparation and fair presentation of these financialstatements in accordance with Nepal Accormting Standards so far as applicable incompliance with prevailing laws. This responsibility includes: designing, imilementingand maintaining intemal control relevani to the preparation and-fair-fr-esentation offinancial statements that are free from material misstatemenl whether due to fraud orerror; selecting and applyng appropnate accounting poticies; and making accountingestimates that are reasonable in the circumstances.
A u dit ot s' rcsp o n s i bi lity
Our- responsibility is to express an opinion on these financial statements based on ouraudit' We conducted our audit in accordance with NEpal Standards on Auditing. Thosestandards require that we comply with relevant ethical riquirements and plan and-performthe audit to obtain reasonable assurdrce whether the financial statements are free ofmaterial misstatement. An audit involves performing procedures to obtain audit evidenceabout the amounts and disclosures in the financialltatements. The procedures selecteddepend on our judgemen! including the assessment of the risks of material misstatementof the frnancial statements, whrcther due to fraud or error. In making those riskassessments, we consider internal control relevant to the entity's pt"p*utioo and fairpresentation of the financial statements in order to design audit procedures that areappropriate in the circumstances, but not for the purpose of-expressing an opinion on theeffectiveness of the entity's internal control. An-audit atso inctuies evaluating theappropriateness of accounfing principles used and the reasonableness of accoritinggstimates made by management, as well as evaluating the overall presentation of th!financial statements.
t:f'-*t"-"Fi
We believe that the audit evidence we have obtained is sufficient and appropriate toprovide a basis for our opinion.
Opinion
In our opinion, the accompanying financial statements grve a tme and fair view of thefinancial position of the company as at 3l Ashad 2073, and of its financial performanceand its cash flows for the year then ended in accordance with Nepal AccountingStandards so far as applicable in compliance with prevailing laws and comply with theprovision of the Companies Act 2063.
Dev Raj UpadhyayaProprietor
For D.R Upadhyaya & AssociatesRegistered Auditor
Kathmandu,2nd October 2016
Gurans Laghubitta Bittiya Sanstha LtdDhankutt-07, Koshi
Balance sheetAs on 3l Ashad 2073
PARTICULARS SCIIEDULE AMOUNTS(NRS}
CAPITAL & LIABILITIESShare CapitalRcsen'e & SurplusOther LiabilitiesTotal Capital & Liabilities
ASSETS
Cash on Hand
Balance with NRBBalance with other Banks
Other Assets
3
45
Total Assets
The schedules referred to above and Notes to Accounts forms integral partof Financial Slatements.
For Gurans Laghubitta Biftiya Sanstha Ltd
UdayaNarayan BaralChairman
Raju Prashad AdhikariDirector
7,350,000(147,500)
L9_999
7,222,499
41.133
700,000
5.343,913
t37.453
___J,222,4ee
As per our repofi ofeven date
For D.R. Upadh,la,va & AssociatesRegistered Audi
Propfietor
Dat€: 2nd Octnber 2A16Place; Kathmandu
BijayKumarDahal P-Director , k, -
Krishina Prxhad Gautam / h WzUx'-''Director
WGiri Raj Pokhrel
Director
sB]F,/*l
Gurans Laghubitta Bittiya Sanstha LtdDhankut*A7, Koshi
Profit *nd Loss AccountFor the period ftom 02/0212073 to 31103/2073
PARTICULARS AMOI-INS{NRS)
Incomeshrterest IncomeTotal Income
ExpensesNRB Fees
Company Regi stration Charges
Printing & StationeryAdvertisment E4penses
Travelling & Tranqportation Expenses
Iodglng & Fooding EryensesAudit Fees
Rent Expenses
Total nxpenses
Profit or Loss before Taxes
Provision for TaxCrurent TaxDeffered Tax
Nct loss
Loss carried forward to B/S
For Gurans Laghubitta Bittiya Sanstha Ltd
Udaya Narayan BaralChaitman
Rqju Prashad AdhikariDirector
50.486
___________fllgg_
2,00055,000
40,9706,000
84,497
29,40010,000
33,333
__________26rW_
(2r0,714)
63.214
_________!f 'sgq-
_________stzf99)_
As per our report of even date
For D.R Upadhyaya & Associates
Registered Audi
2nd October 2016Place: Kathmandu
..,\BijayKumarDahal 474-Director t
A- - - -k^^-,Krishina Prashad Gautam / I YUt'tt- -
-Director -I{tr-vI
Giri Raj PokhrelDirector
Date:
Gurans Laghubitta Bittiya Sanstha LtdDhankuta-07, Koshi
Cash Flow StatementFor the period from A210212073 to 3l/A312073
PARTICULARS AMOUNS(NRS)
(210,7141
1rro,rrnl
{74,23e)19"9-99
1264q{dl
7,350,000
7,350,000
7,095,a46
1,095,A46
As per our report of even date
For Gurans Laghubitta Bittiya Sanstha Ltd For D.R. Upadhyaya & Associ
Registered
Udaya Narayan BaralChairman
Raju Prashad AdhikariDirector
A.Cash Flow from Operating ActivitiesNet Profitlloss before TaxesAdjastmentforDepreciation & AmmonizationsInterest Expenses
ProvisionsTax Expenses
Operating Profit before working capital changes
Adjustmenttor(Increase)/Decrease in Current Assets
Increase(Decrease) in Cunent LiabilitiesIncome tax paidNet Cash Flow from Operating ActivitiesB. Cash Flow from Investing Activities
@urchase)/Sale of Fixed Assets
Loans and Advances
Net cash flow from Investing ActivitiesC. Cash Flow from Financing ActivitiesIncrease/(Decrease) in capital
Financial charges paidRefund of shares Advances
Net cash flow from Financing ActivitiesD.Net increase in cash & Cash equivalents
Balance at the beginning of the PeriodBalance at the end ofthe period
BijayKumarDahal
--P-Direclor I A
A^ ,. -kn,,,--Krishina PrashadGautan/ fl [f1n?Director *fIf- "
Date: 2nd October 2016
Place: Kathmandu
Giri Raj Pokhrel
Direclor
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Particulars
Gurans Laghubitta Bittiya Sanstha LtdDhankuta,{T, Koshi
Sdredules forming integral part of the Balance sheet as on 3l Ashad 2073
Schedule: I
Share CapitalAs on 31 Ashad
2073 (Nrs)Authorized Capital1,000,000 ordinary shares ofRs 100 EachIssued Capital200,000 ordinan'shares of Rs 100 EactrPaidup {'.apital73,500 ordinary shares ofRs 100 Each
Total
Schedule:2
Other Liabilities
______7J50,009_
ParticularsAs on 31 Ashad
2073 (Nrs)TDS Payable
Audit Fees PayableTotal
Schedule:3
Balancewith Nepal Rasha Bank
100,000,000
20,000.000
7,350,000
1r,4998,50t)
19.99g
As on 31 Ashad2073 (Nrs)
700.000
700,000
As on 31 Ashad2073 (Nrs)
6-343,913
__63439r3_
As on 31 Ashad21173 (Nrs)
66,666- 7,57363.214
ParticularsBalance nith Nepal Rastra BankTotal
Schedule:4
Balance with other Banks
ParticularsCenturl- Ba* LtdTotal
Schedule:5
Other Assets
ParticularsAdvance RentTDS receivable
Deffered Tax Assets
Tofal 137.453
Gurans Laghubitta Bittiya Sanstha Limited
Significant Accounting Policies and Notes to the Accounts
1. BackgroundGurans Laghubitta Bifriya Sanstlra Limited "The company'' is incorporated as a public limitedoompiuly with registration flo: 149279/72/0'B an A2/O2/2O73 at Company Regrstar office ofgovernment of Nepal under companies act 2063. The company is still in the process of obtainingLicense for operations of financial transactions from Nepal Rastra Bank and hence is in prioperating stage.
2. Basis of PreparationThe Balance Shee! Income Statement and Cash Flow Statemen! together with the AcoountingPolicies and Notes ("Financial Statements") of the company as at 3l Ashad 2073 and for the yeaithen ended corrply with the Generally Accepted Accounting Principles ('GAAP') except statedothenvise.
The Financial Statements are presented on a historical cost hsis and as per the Nepal AccountingStandards [NAS) issued by the Accounting Standards Board of Nepat iasn; und th* provisionsof the companix aclr,2063.
3 Fixed Assets & DepreciationSince no fixed assets have been purchased, depreciation has not been charged.
4 Preliminary & Pre0perating Expenses
Though the company was registered or o2/02/2073" The Preliminary and Pre-operating expensccovers the period from Ol/O4/ZO7l.
5 Comparative InformationAs the company was incorporated in the FY 2072173 no comparative information is presented.
For and on behalf of the BoardGurans Laghubitta Bittiya Sanstha Limited
As per our report qf even dateForD.R. Upadhyaya &
Registered
Udaya Narayan BaralChainnan
Raju Prashad AdhikariDirector Proprietor
Nlz*
BrjayaKunrarDahal --T/4Director -l
n fl,a.va/lnt tnLUKrishinaPrashad Gautam / /( lwfVI)iyectot'
-+fT I t\, t/
Giri Raj Pokhr-el v
Place: KathmanduDate:2 October 20I6
B
€lP|{4
Director
Sn Particulars Upto Last Month Only This Month Upto This Month
1 Total Staff 44 -1 43
1.1 Male Staff 29 -1 28
1.2 Female Staff 15 15
2 Divisionwise Staff 44 -1 43
2.1 Branch Operation 34 -1 33
2.2 Finance 1 1
2.3 Information & Technology 1 1
2.4 Managerial Level 2 2
2.5 Messenger 6 6
3 Area Coverage
3.1 Covered Household 1,885 296 2,181
3.2 VDC Covered 21 4 25
3.3 Municipality Covered 3 3
3.4 District Covered 3 3
4 Total Branch 6 6
5 Total Center 156 24 180
5.1 Active Center 156 24 180
6 Total Active Center 156 24 180
6.1 Active General Center 130 18 148
6.2 Active Business Center 26 6 32
8 Total Group 409 66 475
8.1 General Group 378 60 438
8.2 Business Group 31 6 37
9 Total Member 1,885 296 2,181
9.1 General Member 1,724 255 1,979
9.2 Business Member 161 41 202
12 Dropped Members 2 2
13 Total Member Cast Wise
14 Total Borrowers 1,056 345 1,401
14.1 Agriculture Loan Borrowers 90 36 126
14.2 Business Loan Borrowers 161 19 180
14.3 General Loan Borrowers 805 290 1,095
14.4 Seasonal Loan Borrowers 8 8
15 Total Disbursement 9,54,40,000 2,95,65,000 12,50,05,000
15.1 Agriculture Loan 97,90,000 40,25,000 1,38,15,000
15.2 Business Loan 2,38,60,000 30,30,000 2,68,90,000
15.3 General Loan 6,17,90,000 2,23,90,000 8,41,80,000
15.4 Seasonal Loan 1,20,000 1,20,000
16 Total Recovery 97,99,293 74,76,283 1,72,75,576
16.1 Agriculture Loan 6,62,942 7,04,612 13,67,554
16.2 Business Loan 29,61,730 17,38,372 47,00,102
16.3 General Loan 61,74,621 50,25,799 1,12,00,420
16.4 Seasonal Loan 7,500 7,500
17 Total Outstanding 8,56,40,707 2,20,88,717 10,77,29,424
17.1 Agriculture Loan 91,27,058 33,20,388 1,24,47,446
17.2 Business Loan 2,08,98,270 12,91,628 2,21,89,898
17.3 General Loan 5,56,15,379 1,73,64,201 7,29,79,580
17.4 Seasonal Loan 1,12,500 1,12,500
18 Total Saving 23,38,166 9,70,669 33,08,835
18.1 Center Welfare Fund Saving 2,06,725 39,960 2,46,685
18.2 Group Saving 4,59,291 2,06,900 6,66,191
18.3 Jeevan Bachat 8,41,950 3,59,200 12,01,150
18.4 Personal Saving 8,30,200 3,33,759 11,63,959
18.5 Sambridhi Bachat Khata 30,850 30,850
19 Total Depositors 1,885 296 2,181
19.1 Group Saving Depositors 1,885 296 2,181
19.2 Jeevan Bachat Depositors 1,872 288 2,160
19.3 Personal Saving Depositors 1,885 296 2,181
19.4 Sambridhi Bachat Khata Depositors 2 7 9
20 Total Income 39,44,633 14,77,839 54,22,472
21 Total Expenditure 89,10,396 19,19,345 1,08,29,742
22 Profit & (Loss) -49,65,763 -4,41,507 -54,07,270
24 Cash At Bank 17,42,057 7,56,078 24,98,135
Gurans Laghubitta Bittiya Sanstha LimitedDhankuta
Progress ReportReport as on 25th Chaitra, 2073