Annual Report 2013/2014 jflifs k{ |ltj bg - suryalife.comsuryalife.com/assets/nav_img/Annual Report...

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

tkfO{sf] eljio, xfd|f] cleef/f

Annual Report 2013/2014jflif{s k|ltj]bg @)&)÷@)&!

Your Future, Our ResponsibilityYour Future, Our Responsibility

>L /fdafa' kGt

;+rfns ;ldlt cWoIf >L /fdafa' kGt g]kfn /fi6« a}+ssf k"j{ 8]k'6L ue{g/ /xg' ePsf] / a}+lsË If]qsf]

nfdf] cg'ej xfl;n ug'{ ePsf] JolQmTj x'g'x'G5 . pxfF xfn cfO{=l;=Pkm=l;= ljlQo ;+:yfsf] k|d'v

sfo{sf/L clws[t kbdf sfo{/t /x'g'ePsf] 5 .

>L dx]z s'df/ cu|jfn

;+rfns >L dx]z s'df/ cu|jfn cGt/fli6«o Jofkf/df #$ aif{sf] cg'ej ePsf] JolQmTj x'g'x'G5 .

pxfF ljhok'/ Ph's];g kmfp08];g w/fgsf] k|aGw lgb]{zs, g]kfn lzIff ;]jf sDkgL k|f=ln=sf] ;+rfns

x'g'x'G5 . cf]e/l;h ODk]S; 6«]l8Ëdf k|f]k|fO{6/ /xg' ePsf pxfF Jofkf/ Joj;fosf] If]qdf cgj/t

lqmoflzn x'g'x'G5 .

>L x]dGt gfxf6f

;+rfns >L x]dGt gfxf6f Jofkf/ Joj;fosf] If]qsf] ;lqmo JolQmTj x'g'x'G5 . xlg OG6/k|fOh]h k|f=ln=

nufotsf sDkgLdf cfj4 /xg' ePsf >L gfxf6f s}nfz ljsf; a}+ssf] ;+rfns /lx;Sg' ePsf] 5 .

pxfF Jofkf/ Joj;fodf lg/Gt/ ;+nUg x'g'x'G5 .

>L lagf]b s'df/ Kofs'/]n

;+rfns >L lagf]b s'df/ Kofs'/]n a}+lsË If]qdf nfdf] cg'ej ePsf] JolQmTj x'g'x'G5 . pxfFn] g]kfn a}+s

lnld6]8df #@ aif{ ;]jf/t /xL k|aGws kbaf6 cjsf; k|fKt ug'{ ePsf] lyof] . pxfF xfn PgcfO{l; Plzof

a}+s lnld6]8df ;+rfns /xg' ePsf] 5 .

>L u+uf k|;fb zdf{

:jtGq ;+rfns >L u+uf k|;fb zdf{ ;/sf/L ;]jfdf @* aif{ nfdf] ;do sfo{/t /x]sf] JolQmTj x'g'x'G5 .

g]kfn ;/sf/sf] cy{dGqfno cGtu{tsf laleGg lgsfodf ;]jf/t /xg' ePsf pxfF pk–;lrj kbdf /xL

sfo{/t /xg' ePsf] lyof] . ;]jf cjlwdf x]6f}8f l;d]G6sf] ;+rfns /lx;Sg' ePsf pxfF cfly{s If]qdf

bVvn /fVg] JolQmTj x'g'x'G5 .

>L lzjl;+x sfsL{

;+rfns >L lzjl;+x sfsL{ s~rg 8]enkd]G6 a}+ssf cWoIf x'g'x'G5 . pxfF nfdf] ;dob]lv Jofkf/

Joj;fosf] If]qdf lg/Gt/ ?kdf ;lqmo /xFb} cfpg'ePsf] 5 .

;+rfns ;ldlt;+rfns ;ldlt

tkfO{+sf] eljio xfd|f] cleef/f


ljifo ;"rL

qm=;+= ljj/0f k]h g+=

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

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

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

$= cWoIfHo"sf] dGtJo %

%= ;+rfns ;ldltsf] k|ltj]bg &

^= lwtf]kq lgisfzg lgb{]lzsf @)^% sf] bkmf @* cg';f/sf] ljj/0f !@

&= cfly{s jif{ @)&)÷)&! sf] n]vfkl/Ifssf] k|ltj]bg !$

*= cfly{s jif{ @)&)÷)&! sf] ljlQo ljj/0f !^

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

!) tLg dxn] ljj/0f %%


1tkfO{+sf] eljio xfd|f] cleef/f


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

skf]{/]6 sfof{noM rf}yf] tNnf, rf6{8{ 6fj/, ;fgf]uf}r/g, 1fg]Zj/, sf7df08f}+ Email: [email protected]

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

o; sDkgLsf] ldlt @)&@÷)%÷++@% ut] z'qmaf/ -tb\g';f/ !! ;]K6]Da/ @)!%_ a;]sf] ;+rfns ;ldltsf] !$& cf}+ a}7ssf]

lg0f{ofg';f/ sDkgLsf] ;ftf} aflif{s ;fwf/0f ;ef lgDg ldlt, :yfg / ;dodf lgDg lnlvt ljifox? pk/ 5nkmn tyf

lg0f{o ug{ a:g] ePsf] x'Fbf ;Dk"0f{ z]o/wgL dxfg'efjx?sf] pkl:yltsf] nflu cg'/f]w ub{5' .

;ef x'g] ldlt, :yfg / ;do M ldlt M @)&@÷)^÷@@ ut] z'qmaf/ -tb\g';f/ ( cS6'a/ @)!% _ :yfg M pBf]u ;+u7g df]/Ësf] ;efsIf, zlxbdfu{, tLgk}gL, lj/f6gu/ ;do M laxfg !!M)) jh]

5nkmnsf ljifox? M-s_ ;fwf/0f k|:tfj M

!= cWoIfHo"sf] dGtJo tyf ;+rfns ;ldltsf] aflif{s k|ltj]bg kfl/t ug{] .@= n]vf kl/Ifssf] k|ltj]bg ;lxt @)&! cfiff9 d;fGtsf] jf;nft tyf ;f]lx ldltdf ;dfKt cf=j= @)&)÷)&!

sf] gfkmf÷ gf]S;fg lx;fa tyf gub k|jfx ljj/0f / tt\;DjGwL cg';"lrx? Dffly 5nkmn u/L kfl/t ug{] .#= n]vf kl/If0f ;ldltsf] l;kmfl/; adf]lhd cf=j= @)&!÷)&@ sf] nflu n]vf kl/Ifssf] lgo'QmL ug]{ / lghsf] kfl/>lds

lgwf{/0f ug]{ . -jt{dfg n]vf kl/Ifs a]s/ l6NnL b]j Pzf]l;P6\; rf6{8 Psfp06]06 k'gM lgo'lQmsf] nflu of]Uo x'g'x'G5_ .$= ;j{;fwf/0f z]o/wgL -;d'x v_ af6 k|lglglwTj ug]{ ! - Ps_ hgf ;+rfnssf] lgjf{rg ug]{ .%= ;+rfns ;ldltsf kbflwsf/Lx?nfO{ kqklqsf / df]jfO{n vr{ afkt dfl;s ?kdf ?= ^,))).– pknAw u/fpg]

k|:tfj kfl/t ug]{ .v= ljz]if k|:tfj M

!= sDkgLsf] clws[t k'+hL ? %),)),)),))).– -krf; s/f]8_ /x]sf]df ;f] clws[t k'+hLnfO{ a[l4 u/L ? @,)),)),)),))).– -b'O{ cj{_ sfod ug]{ k|:tfj kfl/t ug]{ / ;f]xL adf]lhd k|aGwkqdf ;+;f]wg ug]{ .

@= ;+rfns ;ldltn] k|:tfj u/] adf]lhd hf/L k"+hLsf] $M! cyf{t $ z]o/ a/fa/ ! xsk|b z]o/ lgZsf;g ug]{ k|:tfj kfl/t ug]{ . pQm xsk|b z]o/ lgZsf;g kZrft x'g] z]o/ ;+/rgf adf]lhd hf/L tyf r'Qmf k"+hLnfO{ tb\cg'?k a[l4 u/L ?= ^@,%),)),))).– -a};ÝL s/f]8 krf; nfv_ sfod ug]{ / ;f] cg'?k sDkgLsf] k|aGwkqdf ;+;f]wg ug]{ ;DaGwL k|:tfj kfl/t ug]{ .

#= sDkgLsf] ;+rfns ;ldltdf ;+:yfks ;d"xaf6 $ hgf, ;j{;fwf/0f ;d"xaf6 @ hgf / ! hgf :jtGq ;+rfns /xg] u/L & hgfsf] ;+rfns ;ldlt sfod ug]{ k|:tfj kfl/t ug]{ / ;f]xL adf]lhd lgodfjnLdf ;+;f]wg ug]{ .

$= laz]if k|:tfjsf] a'Fbf g+ !, @ / # df pNn]v eP adf]lhdsf k|fjwfgx? sDkgLsf] k|aGwkq tyf lgodfjnLdf ;+;f]wgsf nflu lgodgsf/Laf6 s'g} ;+;f]wg jf km]/abn ug{ ;'emfj k|fKt ePdf ;f] adf]lhd cfjZos ;+;f]wg jf km]/abn ;DaGWfL ;Dk"0f{ cfjZos sfo{ ug{sf nflu ;+rfns ;ldltnfO{ ;Dk"0f{ clVtof/L k|bfg ug]{ lg0f{o ug]{ .

u= ljljwM cWoIfHo"sf] cg'dtL cg';f/ . ;+rfns ;ldltsf] cf1fn] O{Zj/ s'df/ ;]8fO{ sDkgL ;lrj


2 tkfO{+sf] eljio xfd|f] cleef/f

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

!= sDkgLsf] z]o/ bfv]n vf/]h oxL ldlt @)&@÷)^÷)% ut] b]lv ldlt @)&@÷)^÷@@ ;Dd aGb /xg] 5 . z]o/

bflvn vf/]h aGb ul/Psf] ldlt eGbf cufj} @)&@÷)^÷)$ ut] k'/f lbg ;Dd g]kfn :6s PS:r]Gh ln=df sf/f]jf/

eO{ ;f] sf] & sfo{ lbg leq bflvn vf/]hsf] nflu z]o/ /lhi6«f/ gljn O{Ge]i6d]06 a}+lÍª lnld6]8 gf/fo0frf}/,

gS;fnaf6 k|fKt ljj/0fsf] cfwf/df gfd;f/Lsf] /]s8{ sfod ul/g] 5 .

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

lnO{ cfpg cg'/f]w 5 .

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

v'Nnf /xg] 5 .

$= z]o/wgL dxfg'efjx?nfO{ z]o/wgLsf] btf{ lstfadf sfod /x]sf] 7]ufgfdf jflif{s k|ltj]bg k'l:tsf k7fOg] 5 .

s'g} sf/0fjz pQm k'l:tsf gkfpg' ePdf sDkgLsf] skf]{/]6 sfof{noaf6 tyf gljn O{Ge]i6d]06 a}+lÍª lnld6]8

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

%= k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] ;Dk'0f{ z]o/sf] k|ltlglw Pp6} JolQm -ljefhg gx'g] u/L_ x'g] u/L

k|ltlglw – kq -k|f]S;L kmf/fd_ e/L sDkgLsf] skf]{/]6 clkm;df ;ef z'? x'g' eGbf slDtdf $* 306f cuf8L btf{

u/L ;Sg' kg{] 5 . o;/L k|ltlglw -k|f]S;L_ lgo'Qm ul/Psf] JolQm sDkgLsf] z]o/wgL x'g' clgjfo{ 5 .

^= gfjfns jf ljlIfKt z]o/wgLx?sf] tkm{af6 sDkgLsf] z]o/ nut lstfadf ;+/Ifssf] ?kdf gfd btf{ ePsf] JolQmn]

;efdf efu lng jf k|ltlglw tf]Sg kfpg]5g\ .

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

To;kl5 cfpg] k|f]S;L :jtM jb/ jf cdfGo x'g]5 .

*= ;+o'Qm ?kdf z]o/ vl/b ul/Psf] cj:yfdf z]o/ nut lstfadf klxn] gfd pNn]v ePsf] JolQm cyjf ;j{;Ddtaf6

k|ltlglw lgo'Qm ul/Psf] Ps JolQmn] dfq ;efdf efu lng / dtbfg ug{ kfpg]5g\ .

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

z]o/wgLn] ul/lbPsf] k|ltlglw -k|f]S;L_ :jtM jb/ x'g]5 .

!)= s'g} ;+ul7t ;+:yf jf sDkgLn] z]o/ vl/b u/]sf] xsdf sfo{sf/L k|d'vn] b:tvt u/L dgf]lgt u/]sf] k|ltlglwn]

z]o/jfnfsf] x}l;otn] ;efdf efu lng ;Sg' x'g]5 .

!!= 5nkmnsf ljifo÷;"rL dWo] ljljw zLif{s cGtu{t 5nkmn ug{ OR5's z]o/wgLn] ;ef x'g' eGbf & -;ft_ lbg cufj}

5nkmnsf] ljifo sDkgL ;lrj dfkm{t ;+rfns ;ldltsf] cWoIfnfO{ lnlvt ?kdf lbg'kg{]5 .

!@= yk hfgsf/Lsf] nflu sDkgLsf] skf]{/]6 sfof{nodf ;Dks{ /fVg' x'g cg'/f]w 5 .



;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8

k|f]S;L kmf/d

>L ;+rfns ;ldlt

;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8la/f6gu/ .

laifoM k|ltlglw lgo'Qm u/]sf] af/] .dxfzo,

=================lhNnf========================g=kf=÷uf=lj=;=j8f g+=======a:g] d÷xfdL===================================================

=n] To; sDkgLsf] z]o/wlgsf] x}l;otn] @)&@ ;fn c;f]h @@ ut]sf lbg x'g] ;ftf}+ aflif{s ;fwf/0f ;efdf d÷xfdL :jo+

pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n] pQm ;efdf d]/f]÷xfd|f] tkm{af6 efu lng tyf dtbfg

ug{sf nflu ========================lhNnf ==============================g=kf=÷uf=lj=;= j8f g+=====a:g] To; sDkgLsf z]o/wlg

>L==============================================================================================================z]o/ k|df0fkq g+=======================nfO{

d]/f] / xfd|f] k|ltlglw dgf]lgt u/L k7fPsf] 5'÷5f}+ .

Kf|ltlglw lgo'Qm ePsf] JolQmsf] lgj]bs

gfdM b:tvt

x:tfIf/ gd'gfM gfdM

z]o/wlg kl/ro g+= 7]ufgfM

z]o/wlg kl/ro g+=

z]o/ ;+Vof

ldltM

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

;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8 Kf|j]z kq

z]o/wlgsf] gfdM===============================================================================

z]o/wlgsf] klro g+==========================================================================

;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] ldlt @)&@÷)^÷@@ ut] x'g] ;ftf} aflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L

ul/Psf] k|j]z kq .

Zf]o/wlgsf] b:tvt M

b|i6AoM

!= z]o/wlg cfkm}n] vfnL sf]i7x? eg'{xf]nf . ====================================

@= ;ef sIfdf k|j]z ug{ of] k|j]z kq k|:t't ug'{ clgjfo{ 5 . sDkgL ;lrj




cg';"lr–!

;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] ;ftf}+}+} aflif{s ;fwf/0f ;efdfcWoIf >L /fdafa' kGtHo"af6 k|:t't dGtJo

cfb/l0fo z]o/wgL dxfg'efjx?, sDkgLsf]] o; ul/dfdo ;ftf}+ aflif{s ;fwf/0f ;efdf ;xeflu x'g' ePsf ;Dk"0f{ cfb/l0fo z]o/wgL dxfg'efjx? tyf

pkl:yt ;j}nfO{ ;~rfns ;ldlt Pj+ d]/f] JolQmut tkm{af6 xflb{s :jfut tyf wGojfb 1fkg ub{5' .

sDkgLsf] ;ftf}+ aflif{s ;fwf/0f ;efdf cf=j= @)&)÷)&! sf] n]vfkl/If0f ePsf] jf;nft, cfo Joo ljj/0f, gfkmf gf]S;fg

lx;fj nufot ;~rfns ;ldltn] tof/ kf/]sf] k|ltj]bg tkfO{x? ;dIf k]z ug{ kfpFbf dnfO{ cToGt} v'zL nfu]sf] 5 .

k|:t't ljlQo ljj/0f sDkgL ;+rfns ;ldltsf] ldlt @)&@.)@.@! ut]sf] a}7saf6 kfl/t ePsf] / aLdf ;ldltsf] ldlt

@)&@.)%.!& ut] lgb]{zg ;lxt :jLs[t ePsf] Joxf]/f ;d]t hfgsf/L u/fpFb5' .

sDkgL ;+rfngsf] o; cjlwdf b]zsf laleGg %$ :yfgx?df zfvf sfof{nox? :yfkgf tyf lj:tf/ ePsf 5g\ . :yfkgf

ePsf ;a} zfvf sfof{nox?af6 u|fxsx?nfO{ :tl/o ;]jf k|bfg ub]{ cfPsf 5f} . cfufdL lbgdf g]kfnsf clwsf+z

lhNnfx?df zfvfx? la:tf/ u/L aLldtx?nfO{ l56f], 5l/tf] ?kdf u'0f:t/Lo ;]jf k'¥ofpg k|lta4 5f}+ . xfdLn] cfd

gful/ssf]] kx'Fr x'g] vfnsf :tl/o tyf nfebfos jLdf of]hgfx? sfof{Gjogdf NofO{/x]sf 5f}+ . eljiodf cem al9

nfebfos aLdf of]hgfx? Nofpg b[9 ;+slNkt /x]sf 5f}+ . xfn sDkgLn] !) k|sf/sf hLjg jLdf of]hgfx? k|of]udf NofPsf]

5 . h;df ;"of{ ;+/lIft -;fjlws_ hLjg jLdf, ;"of{ cfzfwg -clu|d e'QmfgL _ hLjg jLdf - !% / @) aif]{_, ;"of{ ;fd'lxs

;fjlws hLjg jLdf, ;"of{ ;+/lIft afn -;fjlws_ hLjg jLdf, ;"of{ afnwg -clu|d e'QmfgL _ hLjg jLdf, a}b]lzs /f]huf/

hLjg jLdf, ;"of{ ;fd'lxs DofbL hLjg jLdf, / ;"of{ ;+/lIft - l;ldt e'QmfgL ;fjlws_ of]hgf /x]sf 5g\ .

z]o/wgL dxfg'efjx?,sDkgLsf x/]s sfdsf/jfxLx?nfO{ ;'–zf;gsf] dd{ / efjgf cg';f/ lgoldt / Jojl:yt ub}{ nlu/x]sf 5f}+ . sDkgLdf

x'g] hf]lvd Joj:yfkgnfO{ Go'lgs/0f ug{sf nflu cfGtl/s lgoGq0f k|0ffnLnfO{ k|efjsf/L agfOPsf] x'gfn] sDkgLsf]

Joj;fodf hf]lvd sd x'g] b]lvG5 . sDkgLsf] Joj;flos k|efjsfl/tf clea[l4 ug{sf nflu of]hgfa4 ?kdf cufl8

al9/x]sf] x'gfn] rfn' aif{df sDkgLn] k|yd aLdf z'Ns / glas/l0fo z'Nsdf pNn]Vo ;'wf/ ug]{ laZjf; lnOPsf] 5 .

sDkgL ;+rfns ;ldlt / Aoa:yfkg sDkgLsf] pGgtL / k|ultsf nflu lg/Gt/ ;lqmo /x]sf] x'gfn] cfufdL aif{ sDkgLsf]

d'gfkmfdf pNn]Vo ;'wf/ x'g uO{ plrt k|ltkmn lbg sDkgL ;Ifd x'g] s'/fdf ;Dk"0f{ z]o/wgL dxfg'efax? nfO{ laZj:t

u/fpg rfxG5' .

sDkgLdf cfj¢ /x]sf clestf{x?nfO{ pko'Qm jftfj/0f k|bfg u/L Jofj;flos k|aw{gdf ;lqmo, hfu?s / k|lt:kwL{

agfpg] of]hgf /x]sf] 5 . clestf{x? sDkgLsf] cfwf/lznf ePsf] tYonfO{ dgg\ u/L clestf{x?sf] dgf]jn pRr agfO{

sfo{ ul/g]5 .

sDkgLn] b]zsf $@ :yfgaf6 jLdfn]v hf/L ub}{ cfPsf] 5 eg] cfufdL lbgdf yk zfvfx?af6 aLdfn]v hf/L ug]{ tof/Ldf

/x]sf 5f}+ . sDkgLn] :jb]zL l;l¢ nfOkm ;km\6Jf]o/ k|of]u u/L skf]{/]6 sfof{no tyf zfvfx?af6 cgnfOg dfkm{t ;]jf

k|bfg ul//x]sf] 5 . xfdLn] ;km\6Jf]o/ k|ljlwsf] dfWodaf6 h'g;'s} zfvfx?af6 aLdfn]v tyf e'QmfgL /l;b aLldtx?nfO{

t'?Gt} pknAw u/fpg] Joj:yf ldnfPsf 5f} . o;af6 aLldtx?nfO{ sDkgLsf] ;]jf ;'ljwfsf] tTsfn nfe k'Ug] laZjf;

lnPsf 5f}+ .



cf=j= @)&).&! df sDkgLn] s'n *#*@@ jLdfn]vaf6 k|yd jLdfz'Ns /m @#,^%,#%,#(&=.– gljs/l0fo aLdfz'Nsaf6

? !&,*%,!$,(!#.– hDdf u/L s'n ? $!,%),%),#!)=.– jLdf z'Ns cfh{g u/]sf] 5 . pQm /sd clwNnf] cf=j=sf] t'ngfdf

(!=&) k|ltztn] a9L /x]sf] 5 . sDkgLsf] laut jif{sf] t'ngfdf v'b gfkmf / hLjg jLdf sf]ifdf ;d]t s|dzM *=&! k|ltzt

/ ^)=!^ k|ltztn] j[l¢ ePsf] hfgsf/L u/fpFb5f}+ .

sDkgLsf ef}lts cj:yfdf /x]sf z]o/x?nfO{ cef}ltls/0f ug]{ sfo{ (Demat) sf nflu k|lqmof cufl9 a9fPsf 5f}+ .

sDkgLsf z]o/ cef}ltls/0fsf] nflu l;l8P; P08 lSnol/ª lnld6]8;Fu ;+emf}tf eO{;s]sf] x'gfn] ca sDkgLsf z]o/x?sf]

sf]/f]jf/sf] /fkm;fkm tyf gfd;f/L l56f] 5l/tf] / Jojl:yt ?kdf x'g] / o;af6 sDkgLsf z]o/wlgx? nfeflGjt x'g] Joxf]/f

hfgsf/L u/fpFb5' .

z]o/wgL dxfg'efjx?,cGTodf o; sDkgLsf]] a[xQ/ pGgtL / k|ultdf lg/Gt/ ;lqmo /xg' ePsf sd{rf/xL?, sDkgL k|lt lg/Gt/ laZjf; /

e/f];f ug'{ x'g] ;d:t aLldtx?, z]o/wgL dxfg'efjx?, sDkgLsf] lasf;df plrt dfu{lgb]{zg ug]{ lgodgsf/L lgsfo >L

jLdf ;ldlt, >L g]kfn :6s PS;r]Gh lnld6]8, >L g]kfn lwtf]kq jf]8{, >L sDkgL /lhi6«f/sf] sfof{no tyf sDkgLsf]

;kmntfdf ;fy lbg] z]o/ /lhi6«f/ gljn OGe]i6d]06 a}+lsª ln=, ;Dk"0f{ jLdf sDkgLx?, k'gjL{df sDkgL, clestf{x?,

ljleGg a}+s tyf ljlQo ;+:yf Pj+ cGo z'e]R5'sx? ;j} k|lt xflb{s s[t1tf 1fkg ub{5' .

wGojfb,

ldlt @)&@.)^.@@

/fdjfj' kGt

cWoIf



;"of{ nfOkm OG:of]/]G; sDkgLsf] ;ftf}+}+ aflif{s ;fwf/0f ;efdf sDkgL P]g @)^# sf] bkmf !)( cg';f/ ;~rfns ;ldltn] tof/ kf/L

;ldltsf] tkm{af6 cWoIf >L /fdafa' kGtHo"af6 k|:t't k|ltj]bg M

-s_ ljut aif{sf] sf/f]af/sf] l;+xfjnf]sgM sDkgLsf] Joj;fo ljut jif{eGbf ck]lIft ?kdf j[l¢ x'g uPsf] 5 . Joj;fo k|aw{g ug{ sDkgLn] cjnDag u/]sf

/0fgLlts of]hgfx?sf sf/0f sDkgLsf] sf/f]jf/df ck]Iffs[t ?kdf j[l¢ ePsf] xf] . ldlt @)^%.)!.!! ut] b]lv

ljlwjt ?kdf jLdf Joj;fo ;+rfng u/]sf] o; sDkgLn] ljut rf/ cfly{s jif{sf] cjlwdf u/]sf] sf/f]jf/ tyf k|fKt

pknlAwsf d'Vo ;"rsx? Zf]o/wgL dxfg'efjx? ;dIf k|:t't ug{ rfxfG5' .

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

@)&)÷&!cf=j=

@)^(÷&)cf=j=

@)^*÷^(cf=j=

@)^&÷^*

! s'n aLdfz'Ns $!,%),%),#!) @!,̂ %,!%,@#! ! ,̂!(,@&,!%! !!,̂ *,#!,##*

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

# s'n Joj:yfkg vr{ (,*$,@&,̂ )&

$,(!,̂ #,**) %,$!,@),*)% $,@$,&(,(@%

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

% hLjg aLdf sf]if ^&,@@,((,!!$ $!,(&,%$,̂ (@ @%,$&,@ ,̂(!) !$,)),(),*(#

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

& aLdf clestf{ ;+Vof #,!&( #,##@ @,&#) @,!#%

* sd{rf/L ;+Vof !%* !@! (& !)#

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

!) sfod /x]sf] aLdfÍ /sd @$,**,#%,%(,̂ ** !!,) ,̂)),̂ #,&)) (,##,&$,$@,%($ &,*#,(#,@%,)))

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

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

!# bfjL e'QmfgL v'b !,@%,@&,̂ ^$ $%,(&,$$& !(,$&,$!( (,%*,((!

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

d"Nof+sg jLdfÍLjf6 u/fpg' kg]{ Joj:yf eP cg';f/ sDkgLn] cf=j= @)&).)&! ;Ddsf] hLjg aLdf sf]ifsf] d"Nof+sg

u/fO{ jLdfÍLjf6 gofF jf]g; b/ ;d]t sfod ePsf] 5 .

-v_ /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/nfO{ s'g} c;/ k/]sf] eP ;f] c;/M plrt ?kdf nufgLof]Uo aftfa/0fsf] cefj, s|ozlQmdf b]lvPsf] x|f;f]Gd'v l:ytL, hLjg jLdf ;DjGwL hgr]tgfsf]

sdL, /fhg}lts cl:y/tfsf] k|efj, jLdf jhf/sf] plrt ljsf; x'g g;Sg', phf{ ;+s6 oyfjt /xg', ljlQo ;+:yfdf

b]lvPsf] t/ntfsf] ptf/r9fj, s'n u|fx:y pTkfbgdf lg/Gt/ ?kdf sdL cfpg', nufgLsf] ;'/Iffsf] Uof/]G6L gx'g'

h:tf sf/0fx?n] ubf{ ;ldIff jif{df ;f] sf] c;/ hLjg jLdfdf klg k|ToIf tyf ck|ToIf ?kn] kg{ uPsf] b]lvG5 . o;

cj:yfnfO{ dWogh/ ub]{ Joj:yfkg tyf ;+rfns ;ldltn] aLdf Joj;fo tyf sf/f]jf/sf] bfo/f a[l4 ug{ lg/Gt/

lqmoflzn /x]sf] hfgsf/L u/fpF5' .



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

rfn' cf=j @)&@ c;f/ d;fGt ;Ddsf]

jLdfn]v ;+Vof M !)#,%$)

jLdf z'Ns ?= M &#,)!,*(,*)%

bfjL e'QmfgL M %,@^,@@,)@$

hLjg jLdf clestf{x?sf] ;+Vof M !!,&%^

hLjg jLdf of]hgfx? M !)

zfvfx? M %$

;ldIff jif{ tyf rfn' cf=j=sf] ;fpg d;fGt ;Ddsf] pknAwL sDkgLn] ck]Iff u/] cg';f/ pT;fxhgs g} b]lvPsf]

5 . sDkgLaf6 jLdf Joj;fo k|aw{gsf nflu u'0f:t/Lo ;]jf k|bfg u/L sf/f]jf/nfO{ ;'[b[9 ul/Psf] 5 . hLjg aLdf

Joj;fosf] d]?b08sf] ?kdf /x]sf] bIf hLjg jLdf clestf{x?sf] ;+Vof j[l4 ug{ b]zJofkL ?kdf clestf{ tflnd

;+rfng ug]{ xfnsf] gLltnfO{ cufl8 a9fO{g]5 eg] xfn sfo{/t clestf{x?nfO{ k'gtf{huL sfo{s|dx? ;+rfng u/L

aLdf Joj;fo k|aw{gdf ;lqmo agfO{g]5 . eljiodf aLdf ahf/ cWoog u/L ;+efJotfsf] cfwf/df cfjZostf cg';f/

gofF hLjg jLdf of]hgfx? NofO{g]5 . /fli6«o tyf cGt/fli6«o :t/df jhf/ cWoog u/L zfvf sfof{nox?sf] lj:tf/

u/L u|fxsx?sf] 3/ b}nf]df jLdf of]hgfx? lalqm ljt/0f ug]{ Joj:yf ldnfOg] 5 .

-3_ sDkgLsf] cf}Bf]lus jf Joj;flos ;DaGwM sDkgLsf] Joj;fonfO{ k|efjsf/L agfpg cf}Bf]lus If]q ;+usf] ;DaGwnfO{ 3lgi6 agfpg] sfo{nfO{ k|fyldstf lbO{g]5 . aLdf

Aoa;fosf] k|aw{gsf nflu sDkgLn] laleGg cf}Bf]lus k|lti7fgx? ;+u ;xsfo{ ub}{ cfPsf] 5 . cfufdL lbgdf sDkgLn] cfkm\gf]

sfo{ If]q lj:tf/ ug{ ;+ul7t ;+3;+:yf, Joj;flos lgsfox?, cf}Bf]lus k|lti7fgx?, a}Í tyf laQLo ;+:yf, aLdf sDkgLx?,

k'gaL{df sDkgLx? tyf ;a} cf}Bf]lus If]qsf JolQmx?;Fu ;'dw'/ ;DaGw la:tf/ ug{ of]hgfa4 ?kdf cufl8 a9\g] 5f}+ .

-ª_ ;~rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] sf/0fM ;ldIff cjwLdf sDkgLsf] ;+rfns ;ldltdf s'g} x]/km]/ ePsf] 5}g . xfn ;+rfns ;ldltdf ;j{;fwf/0f ;d"x ævÆ

af6 k|ltlglwTj ug'{ x'g] ! hgf ;+rfnssf] lgjf{rg o;} ;fwf/0f ;efaf6 x'g] Joxf]/f hfgsf/L u/fpFb5' .

-r_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx?M b]zdf cf}Bf]lus ljsf; ck]Iff ul/P cg';f/ gx'g', nufgLsf] bfo/f l;ldt x'g', Joj;fo k|aw{gsf nflu cfjZos

kg]{ lb3{sflng k"FhL kl/rfngnfO{ k|f]T;fxg ug]{ gLltsf] cefa x'g', hLjg jLdf af/]df cfd ?kdf hgr]tgfsf] cefj

h:tf sf/0fn] hLjg jLdf sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx? /x]sf 5g . lgodgsf/L lgsfo tyf cGo lgsfox?af6

;do ;dodf hf/L x'g] tyf kl/jt{g x'g] lgod tyf lgb]{zgx?af6 sDkgLsf] sf/f]j/df c;/ kg]{ b]lvP klg kl/jlt{t

kl/l:ytLnfO{ cfTd;fy u/L pko'Qm /0flglt agfO{ sDkgLn] cfkm\gf] sf/f]jf/nfO{ Jojl:yt ul//x]sf] 5 .

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

-h_ nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sdM afF8kmfF8sf nflu nfef+; tyf af]g; z]o/ jfkt s'g} /sdsf] Joj:yf gul/Psf] hfgsf/L u/fpFb5' .

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

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



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

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

-6_ sDkgL tyf To;sf] ;xfos sDkgLn] cly{s aif{df ;DkGg u/]sf] k|d'v sf/f]af/x? / ;f] cjlwdf sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{gM

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

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

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

cfly{s aif{ @)&)÷)&! sf] cfiff9 d;fGt ;Dddf sDkgLsf ;~rfns tyf kbflwsf/xL?sf] z]o/ :jfldTjsf] ljj/0f

lgDg adf]lhd 5 / z]o/ sf/f]jf/df lghx?sf] To:tf] s'g} ;+nUgtf /x]sf] hfgsf/L k|fKt ePsf] 5}g .

qm=;+= ;+rfns tyf kbflwsf/Lsf] gfd kb lsQf! >L /fd afa' kGt cWoIf @),*##

@ >L dx]z s'df/ cu|jfn ;+rfns %%,%%^

# >L x]dGt gfxf6f ;+rfns @&,&&*

$ >L lagf]b s'df/ Kofs'/]n ->L o'gfO{6]8 OGe]:6;{ k|f=ln=sf] tkm{af6 _ ;+rfns #,((,*&%

% >L lzj l;+x sfsL{ -Unf]jn 6]«l8Ë sG;g{ k|f=ln=sf] tkm{af6_ ;a{;fwf/0f ;+rfns &#,(!&

^ >L u+uf k|;fb zdf{ :jtGq ;+rfns 5}g

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

5}g .

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

5}g .

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

k|0ffnLnfO{ k|efjsf/L agfO{Psf] 5 . lgodgsf/L lgsfo aLdf ;ldltsf] ;'zf;g ;DaGwL lgb]{lzsfsf] lg/Gt/

kl/kfngf ul/Psf] 5 . sDkgLn] :jb]zL ;km\6j]o/ (Software) l;l¢ nfOkm (Siddi Life) k|of]udf NofO{ ;Dk"0f{ ljefu

tyf zfvfx?sf] b}lgs sfo{x? ub}{ cfPsf] 5 . hLjg jLdf Joj;fodf x'g] hf]lvd (Underwriting) tyf nufgL

hf]lvd lgoGq0f ug{sf nflu hf]lvd Joj:yfkg tyf ;f]ne]G;L pk–;ldltdf 5nkmn u/L sfof{Gjog ug]{ ul/Psf]

5 . Joj:yfkgsf] tkm{af6 zfvf tyf pk–zfvfx?sf] Jofkf/ tyf cfly{s sf/f]jf/nfO{ r':t, b'?:t tyf kf/bzL{

agfpg b}lgs l/kf{]l6ªsf] Joj:yf ul/Psf] 5 .

-y_ ljut cfly{s aif{sf] s'n Joj:yfkg vr{sf] ljj/0fM cf=j= @)&).)&! sf] s'n Joj:yfkg vr{ ?= (,*$,@&,^)&÷– /x]sf] 5 . jLdf Joj;fosf] cfsf/ cg';f/ cl3Nnf]

jif{eGbf Joj:yfkg vr{df sld 5 / ;f]xL jdf]lhd Joj:yfkg vr{ 36fpg Joj:yfkgnfO{ lgb]{zg ;d]t lbPsf] 5 .

o;} ;fy ;+Ung ljlQo ljj/0fsf] æcg';"rL &Æ df Joj:yfkg vr{sf] ljj/0f pNn]v ul/Psf] 5 .



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

k|:t't cf=j=df n]vfk/LIf0f pk–;ldltdf >L lzj l;x+ sfsL{Ho"sf] ;+of]hsTjdf >L dx]z s'df/ cu|jfnHo" / >L lagf]b s'df/

Kofs'/]nHo" ;b:o /xg' ePsf] lyof] . pxfFx?nfO{ a}7s eQf jfkt ? #@,))).– k|bfg ul/Psf] 5 . n]vfk/LIfssf] k|ltj]bg

k|fKt x'gf ;fy n]vfk/LIf0f pk–;ldltsf] a}7s a;L n]vfkl/Ifsn] lbPsf ;'emfjx?sf] sfof{Gjogsf nflu Joj:yfkgnfO{

lgb]{zg k|bfg x'b} cfPsf] 5 . h;sf sf/0f sDkgLdf cfGtl/s sfdsf/jfxLsf] cj:yf lg/Gt/ ;'wf/f]Gd'v eO{/x]sf] 5 .

-w_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf] gft]bf/ jf lgh ;+nUg /x]sf] kmd{ sDkgL jf ;+ul7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f M

g/x]sf] .

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

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

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

tyf cGo ;'ljwf jfkt ?=&*,)@,&*%.#! e'QmfgL ul/Psf] 5 .

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

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

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

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

-c_ n]vfkl/Ifssf] lgo'QmL sDkgLsf] ldlt @)&!.)#.@* ut] ;DkGg 5}7f}+ aflif{s ;fwf/0f;efaf6 n]vfk/LIfs lgo'Qm x'g' ePsf >L a]s/

l6NnL b]j Pzf]l;P6\; rf6{8 PsfG6]06; sDkgL P]g adf]lhd k'gM lgo'lQmsf nflu of]Uo b]lvg' ePsf]n] n]vf

k/LIf0f pk–;ldltsf] l;kmfl/; adf]lhd cf=j= @)&!÷&@ sf] nflu n]vf k/LIfsdf lgo'lQm ug{ tyf lghsf]

kfl/>lds ;d]t o;} ;fwf/0f ;efaf6 cg'df]bgsf nflu k|:t't ub{5' .

-cf_ ldlt @)&@.)!.!@ ut] uPsf] dxflagf;sf/L dxfe'sDk lkl8tx?sf] ;xof]ufy{ k|wfgdGqL b}la k|sf]k p4f/ sf]ifdf rGbf :j?k k|bfg ul/Psf] /sd ?=% nfv / laleGg ;fdflhs ;+3 ;+:yfx?nfO{ k|bfg ul/Psf] ;d]t hDdf u/L & nfv %& xhf/ /sdsf] cg'df]bg ul/lbg'x'g cg'/f]w ub{5' .

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

nufgL lgjf/0f lgb]{lzsf / g]kfn /fi6« a}+s ljlQo hfgsf/L OsfOsf] lgod tyf lgb]{zgnfO{ lg/Gt/ kl/kfngf

ub}{ cfO/x]sf] 5 . sDkgLn] ;DktL z'l¢s/0f ;DjGwL pknAw u/fpg' kg]{ ;"rgf P+j hfgsf/L ;d]t ;DalGwt

lgsfodf lg/Gt/ pknAw u/fO{/x]sf] 5 . o; tkm{ sDkgL ;bf ;r]t /xg] k|lta¢tf AoQm ub{5f}+ .

-O{_ jLdf ;ldltaf6 hf/L ePsf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf sfo{Gjog u/L ;f] sf] k"0f{ ?kdf kl/kfngf

ub}{ cfPsf] hfgsf/L u/fpFb5' .



-p_ lwtf]kq btf{ tyf lgisfzg lgodfjnLsf] lgod @@-!_ ;+u ;Dj¢ yk ljj/0fx?M -!_ ;ldIff cjlwdf sfg'gL sf/jfxL ;DjGwL ljj/0fM gePsf] . -s_ ;ldIff cjlwdf sDkgLn] jf sDkgLsf] lj?¢ d'4f bfo/ ePsf] ePM— sDkgLn] lsi6 a}+s-xfn

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

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

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

-u_ sDkgLsf] ;+:yfks jf ;+rfns lj?¢ cfly{s ck/fw u/]sf] ;DjGwdf s'g} d'4f bfo/ ePsf] ePM

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

-@_ ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ ;DjGwL ljZn]z0fM sDkgLsf] z]o/ ;DjGwL ;Dk'0f{ sfo{ ug{ z]o/ /lhi6«f/ >L gljn O{Ge]i6d]06 a}+lsË ln=, gS;fnnfO{ lgo'Qm

ul/Psf] 5 . Z]fo/ sf/f]jf/df eO{/xg] ptf/ r9fj tyf v'Nnf jhf/sf sf/0f z]o/ d"Nodf kl/jt{g x'g]

u/]sf] 5 .

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

clwstd d"No M &$^ Go"gtd d"No M $#@ clGtd d"No M &)(

sf/f]jf/ ePsf] s'n lbg M @!& sf/f]jf/ ePsf] s'n ;+Vof M #,#@&

s'n sf/f]jf/ ePsf] z]o/ ;+Vof M %,*^,&#&

wGojfb . cWoIf

ldlt M—@)&@.)^.@@ ;+rfns ;ldltsf] tkm{jf6



ljj/0fkqdf k|If]k0f ul/Psf / n]vf kl/If0f ePsf] ljj/0fx?df aL; k|ltzt jf

;f] eGbf al9 km/s k/]sf c+sx? tyf km/s kg'{sf sf/0fx?

ljj/0fkq k|If]k0f ubf{ ;du| sDkgLsf] hLjg aLdf Joj;fodf ;'wf/ x'g] ck]Iff lnO{ ljut aif{sf] cfs8fdf cfwfl/t eO{

k|If]k0f ul/Psf] lyof]] .

ck]Iff ul/P cg';f/ Joj;fo gePsf] t/ nufgLsf] k|ltkmn /fd|f] ePsf sf/0f k|:t't ljlQo ljj/0fdf k|If]lkt ul/Psf s]xL

;"rsf++sdf k|If]k0fsf] t'ngfdf @) k|ltzt km/s kg{{ uPsf] xf]] .

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

s]Gb|Lo sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/g, 1fg]Zj/, sf7df8f}+

jf;nft

qm=;+= ljj/0f k|If]lkt jf:tljs km/skm/s k|ltzt

@) k|ltzt eGbf al9 km/s kgf{sf] sf/0f

! >f]t - !=! b]lv !=$ ;Dd_ 1,308,023 1,306,572

!=! r'Qmf k"FhL 500,000 500,000 – 0Ü

!=@ hu]8f tyf sf]if 118,431 125,027 -6,596_ –6Ü

!=# hLjg aLdf sf]if 689,592 672,299 17,293 3Ü

!=$ dxf–ljklQ hu]8f – 9,246 -9,246_ ∞!=% ltg{ afFsL bL3{sflng C0f tyf ;fk6L – – –

@ pkof]u - @=! b]lv @=^ ;Dd_ 1,308,023 1,306,572 –

@=! l:y/ ;DkQL -v'b_ 15,894 21,280 -5,386_ –34Ük|If]lkt k|ltj]bgdf n]vfÍg ubf{ 5'6]sfn]

@=@ lb3{sflng nufgL tyf shf{ 600,896 600,896 0 0Ü

@=# aLdfn]vsf] lwtf]df shf{ 12,314 12,314 0 0Ü

@=$ cGo lb3{sflng shf{ 28,229 28,229 – 0Ü

@=% v'b Rffn' ;DklQ -#-$_ 650,690 643,855

@=^ ckn]vg jf ;dfof]hg x'g afFsL ljljw vr{x? – – –

@=& gfkmf gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg – – –

v'b Rffn' ;DklQsf] ljj/0f –

# Rffn' ;DklQ shf{ tyf k]ZsLx? - #=! b]lv #=# ;Dd_ 742,759 756,596

#=! gub tyf a}+s df}Hbft 21,273 41,871 -20,598_ –97Ü aLdf z'Nsdf a[l4 ePsf] sf/0fn]

#=@ cNksflng nufgL tyf shf{ 571,651 554,191 17,460 3Ü

#=# cGo ;DkQL 149,835 160,534 -10,699_ –7Ü

$ rfn' bfloTj tyf Joj:Yffx? - $=! b]lv $=$ ;Dd_M 92,069 112,742

$=! rfn' bfloTj 63,259 62,920 339 1Ü

$=@ c;dfKt hf]lvd jfkt Joj:yf 17,899 38,019 -20,120_ –112ÜaLdflÍo d"Nof+sgsf] cfwf/df Joj:yf jfkt /sd kl/jt{g ePsfn]

$=# e'QmfgL x'g afFsL bfjL afkt Joj:yf 805 805 0 0Ü

$=$ cGo Joj:yf 10,106 10,998 -892_ –9Ü



gfkmf gf]S;fg lx;fa



1 cfDbfgL - !=! b]lv !=% ;Dd_M 55,251 45,513

!=! cfo Joo lx;faaf6 ;f/]sf] 13,496 -6,156_ 19,652 146ÜaLdflÍo d"Nof+sgsf] cfwf/df c;dfKt hf]lvd jfktsf] Joj:yfdf kl/jt{g ePsf] sf/0fn] ubf{

!=@ hLjg aLdf sf]ifaf6 ;f/]sf] – 10,451 -10,451_ ∞!=# nufgL shf{ tyf cGoaf6 cfo 41,610 41,045 565 1Ü!=$ Joj:yf lkmtf{ 145 174 -29_ –20Ü Joj:yf lkmtf{ lnO{Psf]n] ubf{

!=% cGo cfDbfgL – – –2 Joj:yf tyf vr{x? - @=! b]lv @=* ;Dd_M 14,178 1,722@=! Joj:yfkg vr{ 9,036 9,601 -565_ –6Ü@=@ z]o/ ;DaGwL vr{ 958 958 0 0Ü@=# cGo vr{x? 77 77 0 0Ü@=$ gf]S;fgLsf] nflu Joj:yf – – –@=% sd{rf/L cfjf; Joj:yf – – –@=^ sd{rf/L af]g; Joj:yf 4,107 3,171 937 23Ü v'b gfkmfdf kl/jt{g ePsf] sf/0fn]

@=& cfos/ – -12,085_ 12,085 ∞@=* hLjg aLdf sf]ifdf ;f/]sf] – – –v"b gfkmf ÷-gf]S;fg_ -!_ – -@_ 41,073 43,791

Plss[t cfo – Joo lx;fa



1 cfo -!=! b]lv !=& ;Dd_M 413,671 452,663!=! aLdfz'Ns -v"b_ 348,172 381,771 -33,599_ –10Ü!=@ k'gaL{df sldzg cfo 654 2,507 -1,853_ –283Ü k|If]lkt n]vfÍg km/s k/]sfn]

!=# nufgL, shf{ tyf cGoaf6 cfo 61,681 65,136 -3,455_ –6Ü!=$ aLdfn]vsf] lwtf]df shf{af6 cfo 966 966 0 0Ü!=% cGo k|ToIf cfo 955 1,041 -86_ –9Ü!=^ o; jif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 1,220 1,220 -0_ –0Ü!=& o; jif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 23 23 0 0Ü2 Joo - @=! b]lv @=!) ;Dd_M 143,836 195,824@=! bfjL e'QmfgL -v'b_ 12,522 12,528 -6_ –0Ü@=@ clestf{ sldzg 44,300 50,345 -6,045_ –14Ü@=# :jf:Yo k/LIf0f z'Ns 879 1,240 -361_ –41Ü aLdfz'Ns /dsdf a[l4 ePsfn]

@=$ k'gaL{df sldzg vr{ – – – 0Ü@=% ;]jf z'Ns -v'b_ 3,482 3,818 -336_ –10Ü@=^ cGo k|ToIf vr{ 178 244 -66_ –37Ü aLdfz'Ns /dsdf a[l4 ePsfn]

@=& Joj:yfkg vr{ 81,320 88,826 -7,506_ –9Ü@=* cfos/ – – – 0Ü@=( o; cjlwsf] cGTosf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 805 805 0 0Ü

@=!) o; cjlwsf] cGTosf] c;dfKt hf]lvd afkt Joj:yf 350 38,019 -37,669_ –10763ÜaLdflÍo d"Nof+sgsf] cfwf/df Joj:yf jfkt /sd kl/jt{g ePsfn]

# jrt -!_ – -@_ 269,835 256,839#=! hLjg aLdf sf]ifdf ;f/]sf] 256,339 262,995#=@ gfkmf gf]S;fg lx;fadf ;f/]sf] 13,496 -6,156_









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

>f]t1 r'Qmf k"FhL !^ 500,000,000 411,300,000 2 hu]8f tyf sf]if !& 125,027,294 49,685,630 3 hLjg aLdf sf]if !! 672,299,114 419,754,692 4 dxf–ljkQL hu]8f !* 9,246,088 – 5 ltg{ afFsL bL3{sflng C0f tyf ;fk6L !( – –

s"n >f]t 1,306,572,496 880,740,322 pkof]u

6 l:y/ ;DkQL -v'b_ @) 21,279,808 11,441,706 7 lb3{sflng nufgL @! 600,895,777 385,866,883 8 aLdfn]vsf] lwtf]df shf{ # 12,313,714 5,306,629 9 cGo lb3{sflng shf{ @# 28,228,602 919,191

rfn' ;DkQL shf{ tyf k]ZsLx? M10 gub tyf a}+s df}Hbft @@ 41,871,495 14,199,816 11 cNksflng nufgL @! 554,190,844 474,530,165 12 cGo cNksflng shf{ @# 456,313 834,473 13 cGo ;DkQL @$ 160,077,477 68,782,977

hDdf -s_ -10±11±12±13_ 756,596,130 558,347,431 rfn' bfloTj tyf Joj:yfx? M

14 rfn' bfloTj @% 62,919,706 70,390,244 15 c;dfKt hf]lvd jfkt Joj:yf @^ 38,018,808 22,914 16 e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 804,856 1,220,379 17 cGo Joj:yf @^ s 10,998,166 9,592,564

hDdf -v_ -14±15±16±17_ 112,741,535 81,226,100 18 v"b rfn' ;DkQL -u_Ö-s_–-v_ 643,854,595 477,121,330 19 ckn]vg jf ;dfof]hg x'g afFsL ljljw vr{x? @& – 84,583 20 gfkmf gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg – –

s"n pkof]u -6±7±8±9±18±19±20_ 1,306,572,496 880,740,322 ;+efljt bfloTjx? tyf cg';"rL #,(,!! tyf !^ b]lv @( ;Dd o;sf cleGg c+u x'g\ .;+efljt bfloTjx?qm=;+= ljj/0f o; aif{ ut aif{1 r'Qmf jf e'QmfgL x'g afFsL nufgL – – 2 k|Tofe"lt k|lta4tf – – 3 aLdfn]v cGtu{t eGbf afx]saf6 aLds pk/ bfjL k/]sf] t/

aLdsn] bfloTj :jLsf/ gu/]sf] . – –

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

hDdf – –

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

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

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

/fdjfj' kGtcWoIf

;+rfnsx¿!_ dx]]z s'df/ cu|jfn@_ x]dGt gfx6f#_ lagf]b s'df/ Kofs'/]n$_ lza l;x+ sfsL{%_ u+uf k|;fb zdf{

lbg]z cdfTo ;xfos dxfk|jGws

/fs]z kf]v/]n;xfos dxfk|jGws

n]vf tyf laQ





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

cfDbfgL1 cfo Joo lx;faaf6 ;f/]sf] !) -6,156,079_ 235,368 2 hLjg aLdf sf]ifaf6 ;f/]sf] !! 10,450,841 11,082,489 3 nufgL shf{ tyf cGoaf6 cfo @ 41,044,693 38,285,732 4 Joj:yf lkmtf{ !@ 173,800 2,232,446 5 cGo cfDbfgL – –

hDdf cfDbfgL -s_ 45,513,255 51,836,035 vr{

6 Joj:yfkg vr{ & 9,601,465 6,172,777 7 ckn]vg vr{ !# – – 8 z]o/ ;DaGwL vr{ !# s 957,804 814,769 9 cGo vr{x? !$ 76,831 91,310 10 gf]S;fgLsf] nflu Joj:yf !% – 31,999 11 sd{rf/L cfjf; Joj:yf @^ s – – 12 sd{rf/L af]g; Joj:yf @^ s 3,170,650 4,065,925

;dfof]lht cfos/ -c_Ö-cf_–-O_ * -12,084,797_ 377,763 14 cf_ cfos/ – – 15 O_ :yug s/ ;DklQ / -bfloTj_ 12,084,797 -377,763_16 hLjg aLdf sf]ifdf ;f/]sf] !! – –

hDdf vr{ -v_ 1,721,953 11,554,543 17 v"b gfkmf ÷-gf]S;fg_ -u_Ö-s_–-v_ 43,791,302 40,281,490 18 cl3Nnf] jif{;+u ;DalGwt vr{ – – 19 cl3Nnf] aif{af6 ;fl/Psf] gfkmf÷-gf]S;fg_ 48,669,581 8,010,328

afF*kmfF*sf] nflu pknAw /sd 92,460,883 48,291,818 20 -s_ :yug s/ hu]8f !& 12,084,797 -377,763_

-v_ k"FhLut hu]8f !& – – -u_ ljz]if hu]8f !& – – -3_ cGo hu]8f !& – – -ª_ k|:tfljt nfef+z – – -c_ af]g; z]o/ !& – – -cf_ gub nfef+z-s/ k|of]hgsf]nflu dfq_ @^ s – – -r_ dxf–ljkQL hu]8f !* 9,246,088 –

21 jf;nftdf ;f/]sf] gfkmf÷-gf]S;fg_ 71,129,998 48,669,581 cg';"rL @,&,*, tyf !) b]lv !%,!& / !* ;Dd o;sf cleGg c+u x'g\ .




/fdjfj' kGtcWoIf




n]vf tyf laQ





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

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

1 aLdfz'Ns -v"b_ ! 381,770,757 213,238,552

2 k'gaL{df sldzg cfo 2,506,868 187,473

3 nufgL, shf{ tyf cGoaf6 cfo @ 65,135,906 39,410,004

4 aLdfn]vsf] lwtf]df shf{af6 cfo # 965,535 385,951

5 cGo k|ToIf cfo 1,041,118 1,376,778

6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 1,220,379 1,157,902 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 22,914 65,832

hDdf cfo -s_ 452,663,477 255,822,492 Joo

8 bfjL e'QmfgL -v'b_ $ 12,527,664 4,597,447

9 clestf{ sldzg % 50,345,259 27,865,165

10 :jf:Yo k/LIf0f z'Ns 1,239,660 556,248 11 k'gaL{df sldzg vr{ – –

12 ;]jf z'Ns -v'b_ ^ 3,817,707 2,136,134

13 cGo k|ToIf vr{ 244,197 87,466

14 Joj:yfkg vr{ & 88,826,142 42,991,103

15 cfos/ * – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 804,856 1,220,379 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 38,018,808 22,914

hDdf Joo -v_ 195,824,293 79,476,855 18 hLjg ladf sf]ifdf ;f/]sf] art Ö-s_–-v_ 262,995,263 176,110,270 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art / -gf]S;fgL_ -6,156,079_ 235,368

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




/fdjfj' kGtcWoIf




n]vf tyf laQ





cfly{s aif{ @)&).&! sf] ;fjlws hLjg aLdfsf] cfo Joo lx;fa d'gfkmfdf ;l/s x'g]

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

cfo 1 aLdfz'Ns -v"b_ ! 276,078,884 171,212,360

2 k'gaL{df sldzg cfo 762,580 114,579



5 cGo k|ToIf cfo 816,964 1,086,210

6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 977,441 801,442 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf – –

hDdf cfo -s_ 329,762,357 205,132,277 Joo

8 bfjL e'QmfgL -v'b_ $ 7,124,722 3,259,017

9 clestf{ sldzg % 33,809,850 21,622,740

10 :jf:Yo k/LIf0f z'Ns 869,526 439,534 11 k'gaL{df sldzg vr{ – –

12 ;]jf z'Ns -v'b_ ^ 2,760,789 1,715,127

13 cGo k|ToIf vr{ 93,230 70,811

14 Joj:yfkg vr{ & 69,401,963 34,605,766

15 cfos/ * – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 352,188 977,441 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf – –

hDdf Joo -v_ 114,412,268 62,690,436 18 hLjg ladf sf]ifdf ;f/]sf] art Ö -s_–-v_ 215,350,090 142,441,841 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art / -gf]S;fgL_ – –





/fdjfj' kGtcWoIf




n]vf tyf laQ





cfly{s aif{ @)&).&! sf] clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fa d'gfkmfdf ;l/s x'g]


cfo 1 aLdfz'Ns -v"b_ ! 31,199,733 17,341,369

2 k'gaL{df sldzg cfo 146,206 32,080



5 cGo k|ToIf cfo 90,960 124,631


hDdf cfo -s_ 36,478,813 20,616,000 Joo

8 bfjL e'QmfgL -v'b_ $ 4,557,830 835,564

9 clestf{ sldzg % 5,607,288 2,585,695


12 ;]jf z'Ns -v'b_ ^ 311,997 173,720

13 cGo k|ToIf vr{ 10,171 5,652

14 Joj:yfkg vr{ & 7,406,325 3,445,276







/fdjfj' kGtcWoIf




n]vf tyf laQ





cfly{s aif{ @)&).&! sf] ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fa d'gfkmfdf ;l/s x'g]


cfo 1 aLdfz'Ns -v"b_ ! 39,517,615 24,638,996

2 k'gaL{df sldzg cfo 181,006 40,814



5 cGo k|ToIf cfo 133,194 165,937


hDdf cfo -s_ 47,155,656 29,672,933 Joo

8 bfjL e'QmfgL -v'b_ $ 845,112 402,866

9 clestf{ sldzg % 6,470,552 3,646,703


12 ;]jf z'Ns -v'b_ ^ 395,176 246,827

13 cGo k|ToIf vr{ 15,416 11,003

14 Joj:yfkg vr{ & 9,546,826 4,911,339







/fdjfj' kGtcWoIf




n]vf tyf laQ





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


cfo 1 aLdfz'Ns -v"b_ ! 34,936,910 –

2 k'gaL{df sldzg cfo 1,394,510 –

3 nufgL, shf{ tyf cGoaf6 cfo @ 2,844,738 –

4 aLdfn]vsf] lwtf]df shf{af6 cfo # – –

5 cGo k|ToIf cfo – –

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

hDdf cfo -s_ 39,176,158 – Joo

8 bfjL e'QmfgL -v'b_ $ – –

9 clestf{ sldzg % 4,457,569

10 :jf:Yo k/LIf0f z'Ns – – 11 k'gaL{df sldzg vr{ – –

12 ;]jf z'Ns -v'b_ ^ 349,369 –

13 cGo k|ToIf vr{ 125,380 –

14 Joj:yfkg vr{ & 2,412,961 –

15 cfos/ * – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf ( – – 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 38,000,000 –

hDdf Joo -v_ 45,345,279 – 18 hLjg ladf sf]ifdf ;f/]sf] art Ö -s_–-v_ – – 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art / -gf]S;fgL_ -6,169,121_ –





/fdjfj' kGtcWoIf




n]vf tyf laQ





cfly{s aif{ @)&).&! sf] DofbL hLjg aLdfsf] cfo Joo lx;fa d'gfkmfdf ;l/s gx'g]


cfo 1 aLdfz'Ns -v"b_ ! 37,615 45,827

2 k'gaL{df sldzg cfo 22,566 –

3 nufgL, shf{ tyf cGoaf6 cfo @ 7,398 174,623

4 aLdfn]vsf] lwtf]df shf{af6 cfo # – –

5 cGo k|ToIf cfo – –

6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf – 115,000 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 22,914 65,832

hDdf cfo -s_ 90,493 401,282 Joo

8 bfjL e'QmfgL -v'b_ $ – 100,000

9 clestf{ sldzg % – 10,027

10 :jf:Yo k/LIf0f z'Ns 200 3,792 11 k'gaL{df sldzg vr{ – –

12 ;]jf z'Ns -v'b_ ^ 376 460

13 cGo k|ToIf vr{ – –

14 Joj:yfkg vr{ & 58,067 28,722

15 cfos/ * – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf ( – – 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 18,808 22,914

hDdf Joo -v_ 77,451 165,915 18 hLjg ladf sf]ifdf ;f/]sf] art Ö-s_–-v_ – – 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art / -gf]S;fgL_ 13,042 235,368





/fdjfj' kGtcWoIf




n]vf tyf laQ





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

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

aLdf z'Ns cfDbfgL 415,050,310 216,515,231 ljnDa z'Ns cfDbfgL 1,030,076 1,371,121 k'gaL{df z'Ns cfDbfgL – – k'gaL{df sldzg cfDbfgL 2,506,868 187,473 cGo k|ToIf cfDbfgL 11,043 391,609 k'gaL{dsaf6 k|fKt bfjL l/se/L 1,862,012 337,827 k'gaL{df z'Ns e'QmfgL -12,081,106_ -2,755,344_k'gaL{df sldzg e'QmfgL – – clestf{ sldzg e'QmfgL -48,275,381_ -29,925,643_:jf:Yo k/LIf0f z'Ns e'QmfgL -1,239,660_ -556,248_d[To' bfjL e'QmfgL -4,401,647_ -2,217,413_cjlw ;dfKtL bfjL e'QmfgL – – cf+lzs cjlw ;dfKtL bfjL e'QmfgL -4,438,855_ – ;dk{0f d"No bfjL e'QmfgL -5,549,174_ -2,717,861_cGo bfjL e'QmfgL – – ;]jf z'Ns e'QmfgL -2,167,026_ -1,619,271_cGo k|ToIf vr{ -244,197_ -87,466_Joj:yfkg vr{ e'QmfgL -87,842,306_ -52,557,602_sd{rf/L af]g; e'QmfgL -4,065,925_ -2,924,479_cfos/ e'QmfgL -13,615,351_ -10,926,926_Rffn' ;DklQdf -j[l4_÷sdL -44,167,900_ -15,077,979_Rffn' bfloTjdf j[l4÷-sdL_ -36,731,585_ 52,368,801 sf/f]af/ ;+rfngaf^ v"b gub k|jfx -s_ 155,640,196 149,805,830

v nufgL ultljwLaf^ gub k|jfxl:y/ ;DklQdf -j[l4_ sdL -14,556,691_ -5,846,829_;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6Ldf nufgLdf -j[l4_ sdL 10,725,000 – a}+s tyf ljQLo ;+:yfsf] d'2tL lgIf]kdf nufgLdf -j[l4_ sdL -327,500,000_ -86,000,000_a}+s tyf ljQLo ;+:yfsf] cGo lgIf]k nufgLdf -j[l4_ sdL 28,439,320 -63,913,103_OSo"6L z]o/ nufgLdf -j[l4_ sdL -6,353,894_ -27,010,642_cu|flwsf/ z]o/÷l8j]Gr/df nufgLdf -j[l4_ sdL – – cGo nufgLdf -j[l4_ sdL – – aLdfn]vsf] lwtf]df shf{df -j[l4_ sdL -7,007,085_ -3,652,275_k]ZsL tyf cGo shf{df -j[l4_ sdL -26,931,251_ -520,754_e'QmfgL k|fKt Aofh cfDbfgL -nufgLdf_ 97,007,794 72,278,370 e'QmfgL k|fKt l8le8]G8 997,426 241,316 ef8f cfDbfgL – – e'QmfgL k|fKt Aofh cfDbfgL -shf{df_ 377,412 157,500 cGo ck|ToIf cfDbfgL / vr{ 461,665 188,637 nufgL ultljwLaf^ v"b gub k|jfx -v_ -244,340,303_ -114,077,778_

u ljQLo >f]t sf/f]af/af^ gub k|jfxz]o/af6 k|fKt /sd 116,371,786 – ltg{ afFsL ;fk6Ldf -j[l4_÷sdL – – cNksflng C0fdf -j[l4_÷sdL – -32,575,052_C0f ;fk6Ldf Aofh e'QmfgL – – nfef+z e'QmfgL – – ljQLo >f]t sf/f]af/af^ v"b gub k|jfx -u_ 116,371,786 -32,575,052_o; jif{sf] ;Dk")f{ ultljwLaf6 v"b gub k|jfx = -s_±-v_±-u_ 27,671,679 3,152,999 gub tyf a}+sdf /x]sf] z'? df}Hbft 14,199,816 11,046,817 gub tyf a}+sdf /x]sf] clGtd df}Hbft 41,871,495 14,199,816




/fdjfj' kGtcWoIf




n]vf tyf laQ



;"o

f{ nfO

km O

G:o

f]/]G;

sDk

gL l

nld

6]8/lhi6

8{ sfo

f{noM lj/f6g

u/

df]/Ë

s]Gb

|Lo s

fof{n

oM rf6{8{ 6

fj/, r

f}yf] tNn

f, ;fg

f] uf}r

/g, 1fg

]Zj/, s

f7df8

f}+

cf=j

@)&

).&!

df OS

o"6Ld

f ePs

f] kl/j

t{g ;

DaGw

L ljj/

0f

ljj/

0fz]o

/ k"FhL

;+lrt

gfkmf

÷gf]S;f

g

k|:tfljt

af]g;

z]o

/

k"FhL

ut

hu]8f

sf

]ifz]o

/ lk|ld

odljz]i

f hu

]8f

sf]if

cGo

hu]8f

ty

f sf]if

-:yug

s/

hu]8f

_

dxflj

kQL

hu]8f

s"n /

sd

z'?

df}Hb

ft 4

11,300

,000

4

8,66

9,58

2 –

–

–

–

1

,016

,048

–

460

,985

,630

;df

of]hg

–

-24

6,448_

–

–

–

–

13,37

1,11

2 –

1

3,12

4,664

k|:tf

ljt

af]g;

z]o/

hf/L

–

–

–

k|:tf

ljt

af]g;

z]o/

–

–

–

–

–

o; j

if{sf] r'Qm

f k"+h

L -xsk|b

z]o/

hf/L _

88,

700,00

0 –

–

–

–

–

–

–

8

8,70

0,00

0

z]o/

lk|ld

od 2

7,67

1,78

6

o; j

if{sf] gf

kmf gf

]S;fg

lx;fjaf

6 ;f/]sf]

–

43,79

1,30

2 –

–

–

–

4

3,79

1,30

2

dxflj

kQL hu]*

f -9,24

6,08

8_ 9

,246,08

8

:yug

s/

hu]*

f –

-12

,084

,797

_ –

–

–

–

1

2,08

4,797

–

–

gub

nfe

f+z-s

/ k|o

f]hgs

f] nflu

dfq_

–

–

–

–

–

–

–

–

clGtd

df}Hb

ft 5

00,000

,000

7

0,88

3,55

0 –

–

27

,671

,786

–

26

,471

,958

9,24

6,08

8 63

4,27

3,38

2

cfh

sf] ld

ltsf] ;+nUg

k|lt

j]bg c

g';f/

l;=P= /h

lgz b

fxfn

;fe

m]bf/

b]a P

;f]l;

6;\

rf6{8{ P

sfp

G6]G6

\;ld

ltM @)

&!.)*.)(

:yfg

M sf7df08f}

/fdjfj'

kGt

cWo

If

;+rfn

sx¿

!_ dx]]z

s'df/ c

u|jfn

@_ x]d

Gt g

fx6f

#_ lagf]b s

'df/ Kofs

'/]n$_ lza l;x+

sfs

L{%_

u+uf k|;

fb z

df{

lbg]z c

dfTo

;xfos d

xfk|j

Gws

/fs]z k

f]v/]n

;xfos d

xfk|j

Gws

n]vf tyf laQ



^ ljQLo ljj/0fsf] cleGg c+usf] ?kdf /xg] cg';"rLx?cg';"rL–!-s_ v"b aLdfz'Ns

qm=;+= aLdfsf] lsl;ds"n aLdfz'Ns k'gaL{df z'Ns e'QmfgL (Ceded) aLdfz'Ns -v"b_

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

1;fjlws hLjg aLdfsf] cfo Joo

lx;fadf ;f/]sf] 279,714,347 173,468,734 3,635,463 2,256,374 76,078,884 71,212,360

2clu|d e'QmfgL ;fjlws hLjg

aLdfsf] cfo Joo lx;fadf ;f/]sf] 31,9 28,610 17,718,608 728,877 377,239 31,199,733 17,341,369

3?kfGtl/t ;fjlws Pj+ cfhLjg hLjg

aLdfsf] cfo Joo lx;fadf ;f/]sf] 40,375,032 25,188,406 857,417 549,410 39,517,615 24,638,996

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

cfo Joo lx;fadf ;f/]sf] 62,827,107 – 27,890,197 – 34,936,910 –

5 DofbL hLjg aLdf 205,214 139,483 167,599 93,656 37,615 45,827

hDdf 415,050,310 216,515,231 33,279,553 3,276,679 381,770,757 213,238,552

-v_ s'n aLdfz'Ns

qm=;+= aLdfsf] lsl;dk|ToIf aLdfz'Ns k|fKt k'gaL{df z'Ns (accepted) s"n aLdfz'Ns

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

1;fjlws hLjg aLdfsf] cfo Joo

lx;fadf ;f/]sf]

279,714,347

173,468,734 – –

279,714,347

173,468,734

2clu|d e'QmfgL ;fjlws hLjg

aLdfsf] cfo Joo lx;fadf ;f/]sf] 31,928,610 17,718,608 – – 31,928,610 17,718,608

3?kfGtl/t ;fjlws Pj+ cfhLjg hLjg

aLdfsf] cfo Joo lx;fadf ;f/]sf] 40,375,032 25,188,406 – – 40,375,032 25,188,406

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

cfo Joo lx;fadf ;f/]sf] 62,827,107 – – – 62,827,107 –

5 DofbL hLjg aLdf 205,214 139,483 – – 205,214 139,483

hDdf 415,050,310 216,515,231 – – 415,050,310 216,515,231

-u_ k|ToIf aLdfz'Ns

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

o; aif{ ut aif{ o; aif{ ut aif{ o; aif{ ut aif{ o; aif{ ut aif{1 ;fjlws hLjg aLdf 95,457,530 53,735,373 143,685,998 119,733,361 40,570,819 – 279,714,347 173,468,734

2 clu|d e'QmfgL

;fjlws hLjg aLdf

17,535,114 6,146,190 14,393,496 11,572,418 – – 31,928,610 17,718,608

3 ?kfGtl/t ;fjlws Pj+

cfhLjg hLjg aLdf

19,939,613 9,181,149 20,435,419 16,007,257 – – 40,375,032

25,188,406

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

hLjg aLdf

– – – – 62,827,107 – 62,827,107 –

5 DofbL hLjg aLdf 205,214 139,483 – – – – 205,214 139,483

hDdf 133,137,471 69,202,195 178,514,913 147,313,036 103,397,926 – 415,050,310 16,515,231



cg';"rL–@nufgL, shf{ tyf cGoaf6 cfoqm=;+= ljj/0f o; aif{ ut aif{1= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6Laf6 cfo 6,578,213 6,663,695 2= jfl0fHo a}+ssf] d'2tL lgIf]kaf6 cfo 62,335,110 54,140,544 3= ljsf; a}+ssf] d'2tL lgIf]kaf6 cfo 9,710,030 4,202,926 4= gful/s nufgL of]hgfaf6 cfo – – 5= ljQLo ;+:yfsf] d'2tL lgIf]kaf6 cfo 7,212,377 5,090,445 6= cfjf; ljQ sDkgLsf] ;fwf/0f z]o/af6 nfef+z – – 7= cGo klAns sDkgLsf] ;fwf/0f z]o/af6 nfef+z 997,426 241,316 8= a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/af6 nfef+z – – 9= a}+s tyf ljQLo ;+:yfsf] l8j]Gr/af6 cfo 6,347,547 5,741,602 10= cGo -ljj/0f v'nfpg]_ af6 cfo11= shf{af6 cfo 412,612 144,746 12= cGo lgIf]kaf6 -d'2tL afx]s_ cfo 1,589,940 1,170,651 13= nufgL laqmLdf gfkmf 10,948,244 352,397

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

Go"g nufgL -v/Lb_ df gf]S;fg -84,583_ -96,477_15= l:y/ ;DkQL laqmLaf6 gfkmf 84,631 –

Go"g l:y/ ;DkQL laqmLaf^ gf]S;fg16= vftf ckn]vg – – 17= cl3Nnf jif{;+u ;DalGwt cfo – – 18= cGo cfo 49,053 43,891

hDdf 106,180,600 77,695,736 nufgL, shf{ tyf cGoaf^ cfosf] afF*kmfF*

1= gfkmf gf]S;fg lx;fadf ;f/]sf] 41,044,693 38,285,732 2= ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 50,464,695 31,651,690 3= clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 4,787,562 3,049,129 4= ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 7,031,513 4,534,562 5= j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 2,844,738 – 6= DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 7,398 174,623

hDdf 106,180,599 77,695,736

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

qm=;+= aLdfsf] lsl;daLdfn]vsf] lwtf]df shf{ aLdfn]vsf] lwtf]df shf{af6 cfoo; aif{ ut aif{ o; aif{ ut aif{

1 ;fjlws hLjg aLdf 8,367,000 3,614,588 661,793 265,996 2 clu|d e'QmfgL ;fjlws hLjg aLdf 1,134,235 986,671 133,602 64,519 3 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdf 2,812,479 705,370 170,140 55,436 4 j}b]lzs /f]huf/ DofbL hLjg aLdf – – – – 5 DofbL hLjg aLdf – – – –

hDdf 12,313,714 5,306,629 965,535 385,951



cg';

"rL–$

bfjL e'QmfgL

qm=;+=

aLdfs

f] lsl

;d

d[To" bf

jL e'Q

mfgL

cjlw

;dfKt

L bfj

L e'Qmf

gLcf+l

zs c

jlw ;

dfKtL

bfjL e

'QmfgL

;dk{0

f d"No

bfjL e

'QmfgL

cGo

bfjL e

'QmfgL

s"n bf

jL e'Q

mfgL

s"n bf

jL e'Q

mfgLdf

k'g

aL{dss

f] lx::

ffbfj

L e'Qmf

gL -v

'b_

o; j

if{ut

jif{

o; j

if{ut

jif

{o;

jif{

ut j

if{o;

jif{

ut j

if{o;

jif{

ut j

if{o;

jif{

ut j

if{o;

jif{

ut j

if{o;

jif{

ut j

if{

1;f

jlws

hLjg

aLd

f 3,

342,0

81

1,352

,448

–

– 2

90,85

5 –

4,90

8,798

2

,244,

396

– –

8,54

1,734

3,

596,8

44

1,4

17,01

2 33

7,827

7

,124,

722

3,25

9,017

2cl

u|d e

'QmfgL

;fjl

w s

hLjg

aLd

f 1

71,04

1 5

53,71

5 –

– 4

,148,0

00

– 2

38,78

9 2

81,84

9 –

– 4

,557,8

30

835

,564

– –

4,55

7,830

8

35,56

4

3?k

fGtl/t

;fjl

ws P

j+ cf

hLjg

hLjg

aLd

f 8

88,52

5 2

11,25

0 –

– –

– 4

01,58

7 1

91,61

6 –

– 1

,290,1

12

402

,866

445

,000

– 8

45,11

2 4

02,86

6

4j}b

]lzs

/f]huf/

DofbL

hLjg

aLd

f –

– –

– –

– –

– –

– –

– –

– –

–

5Do

fbL h

Ljg a

Ldf

– 1

00,00

0 –

– –

– –

– –

– –

100

,000

– –

– 1

00,00

0

hDdf

4,4

01,64

7 2

,217,4

13

– –

4,4

38,85

5 –

5,54

9,174

2

,717,8

61

– –

14,

389,6

76

4,93

5,274

1

,862,0

12

337,8

27

12,52

7,664

4

,597,4

47



cg';

"rL–%

clestf{ sldzg

qm=;

+=aLdf

sf] ls

l;d

k|yd

aif{s

f] aLdf

z'Ns

df

cle

stf{ s

ldzg

gjLs

/0f aLdf

z'Ns

df c

lestf{

sld

zg

Psn a

Ldfz

'Nsdf

cle

stf{ s

ldzg

hDd

f cle

stf{ s

ldzg

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

1;fjlws h

Ljg a

Ldf

20,8

48,156

1

1,65

4,939

1

0,527

,445

9,967

,801

2,4

34,249 –

33

,809,8

50 21

,622

,740

2clu

|d e

'Qmfg

L ;fjlws

hLj

g a

Ldf

4,374

,470

1

,518

,130

1

,232

,818

1

,067

,565

–

–

5

,607,28

8

2,585,69

5

3?k

fGtl/t ;

fjlws P

j+

cfh

Ljg h

Ljg a

Ldf

4,707,70

2 2

,194,225

1

,762

,850

1

,452

,478

–

–

6

,470

,552

3

,646,70

3

4j}b

]lzs /

f]huf/ DofbL

hLj

g a

Ldf

4,4

57,569

–

–

–

4

,457

,569

–

5Do

fbL hLj

g a

Ldf

–

10,027

–

–

–

–

–

1

0,027

hDd

f 3

4,38

7,89

7 15,37

7,32

1 13,52

3,113

12,4

87,8

44

2,43

4,24

9 –

50

,345

,259

27

,865

,165

cg';

"rL–^

;]jf z'Ns -v'b_

qm=;

+=aLdf

sf] ls

l;d

s'n ;

]jf z

'Nss'n ;

]jf z

'Nsdf

k'gaL{ds

sf] lx:;

f;]j

f z'Ns

-v'b_

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

!;fjlws h

Ljg a

Ldf

2,797,14

3 1

,736

,189

36,35

4

21,062

2

,760

,789

1,715

,127

@clu

|d e

'Qmfg

L ;fjlws h

Ljg a

Ldf

319

,286

177

,339

7

,289

3,619

3

11,997

173

,720

#?k

fGtl/t ;

fjlws P

j+ cfh

Ljg h

Ljg a

Ldf

403,75

0

252

,102

8,574

5

,275

3

95,17

6 2

46,827

$j}b

]lzs /

f]huf/ DofbL hLj

g a

Ldf

628

,271

–

2

78,902

–

349,369

–

%Do

fbL hLj

g a

Ldf

2,052

1

,396

1,676

9

36

376

4

60

hDd

f 4

,150

,502

2

,167

,026

3

32,7

95

30,89

2 3

,817

,707

2

,136

,134



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

1 sd{rf/L vr{ -cg';"rL &=! adf]lhd_ 40,568,932 26,564,265 2 3/ ef8f 5,947,662 3,796,259 3 lah'nL tyf kfgL 950,178 276,313 4 dd{t tyf ;Def/

-s_ ejg – – -v_ ;jf/L ;fwg 197,882 137,613 -u_ sfof{no pks/0f 467,846 190,575 -3_ cGo -;km\6jo/_ 36,795 105,241

5 ;+rf/ 3,409,031 1,721,081 6 5kfO{ tyf d;nGb 4,254,674 3,173,862 7 vr{ x'g] sfof{no ;fdfg 466,812 239,270 8 kl/jxg 451,078 221,796 9 e|d0f vr{ -eQf ;d]t_

-s_ cfGtl/s 3,310,380 801,947 -v_ j}b]lzs – –

10 clestf{ tflnd 566,115 677,333 11 clestf{ cGo 11,151,567 523,896 12 aLdfz'Ns 163,055 103,574 13 ;'/Iff vr{ 276,365 90,480 14 sfg"gL tyf k/fdz{ z'Ns 109,288 24,450 15 kq klqsf tyf k':ts 91,633 81,550 16 lj1fkg tyf k|rf/ k|;f/ 375,394 205,940 17 Jofkf/ k|j4{g 16,777,262 4,678,685 18 cltyL ;Tsf/ 148,570 58,274 19 rGbf tyf pkxf/ 25,500 505,600 20 ;+rfns ;ldlt ;DaGwL vr{

-s_ a}7s eQf 552,500 335,500 -v_ cGo 155,881 110,194

21 cGo ;ldlt÷pk–;ldlt ;DaGwL vr{ -s_ a}7s eQf 126,000 32,000 -v_ cGo 31,415 –

22 ;fwf/0f ;ef ;DaGwL vr{ 243,374 214,093 23 -s_ aLdfÍLo ;]jf z'Ns 542,909 –

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

-s_ n]vf k/LIf0f z'Ns 141,250 113,000 -v_ s/ n]vf k/LIf0f z'Ns – – -u_ lj:t[t n]vf k/LIf0f k|ltj]bg z'Ns – – -3_ cGo z'Ns – – -ª_ cfGtl/s n]vf k/LIf0f vr{ 124,300 113,000 -r_ cGo vr{ 76,408 41,832

25 Aofh 7,890 451,285 26 a}s rfh{ 25,469 9,106 27 z'Ns tyf b:t"/ 118,950 119,048 28 Xf; s§L 4,803,219 2,689,686 29 x'nfs l6s6 – – 30 cGo 1,732,023 757,132

afF* kmfF*sf] nflu hDdf 98,427,607 49,163,880 1 gfkmf gf]S;fg lx;fadf ;f/]sf] 9,601,465 6,172,777 2 ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 69,401,963 34,605,766 3 clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 7,406,325 3,445,276 4 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 9,546,826 4,911,339 5 j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 2,412,961 – 6 DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 58,067 28,722

hDdf 98,427,607 49,163,880



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

1= tna 20,755,468 14,413,428

2= eQf 11,750,685 7,401,294

3= bz} vr{ 1,338,856 1,069,781

4= ;~rosf]ifdf yk 1,414,360 988,055

5= tflnd vr{ 84,573 34,950

6= kf]zfs 8,240 5,940

7= cf}ifwf]krf/ 728,533 537,986

8= aLdf 7,535 34,713

9= k]G;g tyf pkbfg vr{ tyf Joj:yf 946,062 535,313

10= ljbf afkt vr{ tyf Joj:yf 3,147,729 1,542,805

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

12= cGo sd{rf/LnfO{ lbPsf] k|f]T;fxg eQf 386,891 –

hDdf 40,568,932 26,564,265

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

1 o; aif{sf] cfos/ – –

2 cl3Nnf aif{x?sf] cfos/ – –

3 afF8kmfF8sf] nflu cfos/sf] hDdf – –

4 o; aif{sf] :yug s/ -12,084,797_ 377,763

afF*kmfF*

gfkmf gf]S;fg lx;fadf ;f/]sf] -u_ Ö -s_ ± -v_ -12,084,797_ 377,763

-s_ afF8kmfF8af6 cfPsf] cfos/ – –

-v_ o; aif{sf] :yug s/ -12,084,797_ 377,763

1 ;fjlws hLjg aLdf – –

2 clu|d e'QmfgL ;fjlws hLjg aLdf – –

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

4 j}b]lzs /f]huf/ DofbL hLjg aLdf – –

5 DofbL hLjg aLdf – –

hDdf -12,084,797_ 377,763



cg';

"rL–!)

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

qm=;

+=ljj/

0fo;

aif{

ut a

if{1=

;fjlws h

Ljg a

Ldfs

f] cfo

Joo lx;

faaf ;f/]sf]

–

–

2=clu

|d e

'Qmfg

L ;fjlws h

Ljg a

Ldfs

f] cfo

Joo lx;

faaf6 ;

f/]sf]

–

–

3=?k

fGtl/t ;

fjlws P

j+ cfh

Ljg h

Ljg a

Ldfs

f] cfo

Joo lx;

fjaf6 ;

f/]sf]

–

–

4=

j}b]lz

s /

f]huf/ DofbL hLj

g a

Ldfs

f] cfo

Joo lx;

fjaf6 ;

f/]sf

-6,16

9,121

_ –

5=Do

fbL hLj

g a

Ldfs

f] cfo

Joo lx;

fjaf6 ;

f/]sf

13,042

235

,368

hDd

f -6,15

6,079

_ 2

35,368

cg';

"rL–(

cfly{s jif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf

qm=;+=

aLdfs

f] lsl

;d

e'Qmfg

L x'g afFs

L d[To'

bfjL

e'Qmfg

L x'g afFs

L cj

lw ;

dfKtL

bfj

L

e'Qmfg

L x'g afFs

L cf

+lzs

cjlw

;d

fKtL b

fjL

e'Qmfg

L x'g afFs

L ;d

k{)f d

"No

bfjL

e'Qmfg

L x'g afFs

L cG

o bfj

L

;[hgf

ePsf

] t/

hfgs

f/Ldf

gcfPs

f] bfjL

-c

g'dflg

t_

e'Qmfg

L x'g afFs

L hDd

f bfj

L

e'Qmfg

L x'g afFs

L hDd

f bfj

Ldf k

'gaL{ds

sf]

lx::ff

e'Qmfg

L x'g afFs

L bfjL

afk

t Joj:

yf

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

1=;f

jlws

hLjg

aLdf

406

,250

49,94

9 –

–

–

–

–

–

–

–

–

– 4

06,25

0 4

9,94

9 10

0,00

0 10

0,00

0 35

2,188

97

7,441

2=clu|d

e'QmfgL ;

fjlws

hLjg

aLdf

180

,575

105,0

00

–

–

–

–

–

–

–

–

–

– 180

,575

105

,000

–

– 2

07,66

1 12

0,75

0

3=?k

fGtl/t

;fjlws

Pj+ c

fhLjg

hLjg

aLdf

456,8

00

250,00

0 –

–

–

–

–

–

–

–

–

–

456,8

00

250

,000

24

3,750

14

3,750

245

,008

12

2,188

4=j}b

]lzs

/f]huf/ Do

fbL h

Ljg

aLdf

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

5=Do

fbL h

Ljg

aLdf

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

hDdf

1,043

,625

1,304

,949

–

–

–

–

–

–

–

–

–

– 1

,043

,625

1,304

,949

34

3,750

243

,750

804,85

6 1,2

20,37

9



cg';

"rL–!!

hLjg aLdf sf]if

qm=;+=

aLdf

sf] ls

l;d

;dfof]h

g cu

f8Ls

f] hLjg

aLdf s

f]if

-jif{s

f] z'?d

f_cf

o Jo

o lx;

faaf6

;f/]s

f] gfkmf

gf]S;

fg

lx;faa

f6 ;

f/]sf

]

hu]8f

sf]ifaf6

;f/]s

f]

;dfof]h

g cu

f8Ls

f] hLj

g aLdf

sf]if

-jif{s

f] cGTo

df_

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

!=;f

jlws

hLjg

aLdf

337,12

1,750

203,0

45,25

921

5,35

0,09

014

3,041

,451

– –

–

–

5

52,4

71,8

40

346

,086

,710

@=cl

u|d e

'Qmfg

L ;fjlws

hLjg

aLd

f33

,513

,350

20,4

04,941

18,205

,459

13,989

,742

– –

–

–

5

1,718

,809

3

4,39

4,68

3

#?k

fGtl/t

;fjl

ws P

j+ cfh

Ljg

hLjg

aLd

f

49,11

9,59

229

,477

,881

29,4

39,715

20,8

77,907

– –

–

–

7

8,55

9,30

7 5

0,35

5,78

8

$j}b

]lzs

/f]huf

/ Do

fbL h

Ljg

aLdf

–1,7

98,8

30–

-1,798

,830

_–

–

–

–

–

–

%Do

fbL h

Ljg

aLdf

––

––

– –

–

–

–

–

hDdf

419,75

4,69

225

4,72

6,91

126

2,99

5,26

317

6,110

,270

– –

–

–

6

82,7

49,955

4

30,8

37,18

1

hLjg aLdf sf]ifdf ;dfof]hg

qm=;+=

aLdfs

f] lsl

;d

;dfof

]hg c

uf8Ls

f] hLjg

aLdf

sf]if -jif{s

f] cGTo

df_

gfkmf gf]S

;fg

lx;fad

f

;f/]s

f]

aLdfn]v

cGtu

{t

bfloTj

af]g;s

f] nflu

Joj:

yf

;f]Ne

]G;L

dflh

{gsf]

nflu

Joj:

yf

af“8kmf

“8 gu

l/Psf

] /

sdjif

{sf] c

GTodf h

Ljg a

Ldf s

f]if

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

ut a

if{o;

aif{

ut a

if{o;

aif{

ut a

if{

!=;f

jlws

hLjg

aLdf

552,47

1,840

346

,086

,710

8,28

9,68

8 8,

964,

960

–

– 7

4,60

7,18

9 51

,001

,597

–

6,915

,042

–

544

,182,1

52 33

7,12

1,750

@=cl

u|d e

'Qmfg

L

;fjlws

hLjg

aLdf

51,7

18,8

09

34,39

4,68

3 1,2

46,69

0 8

81,33

3 –

–

4

,821

,909

–

4

30,32

2 –

50

,472

,119

33,5

13,35

0

#=?k

fGtl/t

;fjlws

Pj+

cfhL

jg h

Ljg

aLdf

78,

559,30

7 5

0,35

5,78

8 9

14,4

63 1

,236

,196

–

– 8

,230

,166

6,759

,218

–

6

42,4

77

– 7

7,64

4,84

4 4

9,11

9,59

2

$=j}b

]lzs

/f]huf

/

DofbL h

Ljg

aLdf

–

–

–

–

–

–

–

–

–

–

–

–

–

%=Do

fbL h

Ljg

aLdf

–

–

–

–

–

–

–

–

–

–

–

–

–

hDdf

682,74

9,95

5 4

30,8

37,18

1 10,4

50,8

41 1

1,082

,489

–

–

82,83

7,35

5 62

,582

,724

–

7,987

,841

–

672

,299

,115

419,75

4,69

2



cg';"rL–!@Joj:yf lkmtf{qm=;+= ljj/0f o; aif{ ut aif{1= nufgLdf gf]S;fgsf] nflu Joj:yf lkmtf{ 145,243 2,232,446 2= shf{df gf]S;fgsf] nflu Joj:yf lkmtf{ 28,557 – 3= z+sf:kb cf;fdL Joj:yf lkmtf{ – – 4= cGo Joj:yf lkmtf{ – –

hDdf 173,800 2,232,446

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

hDdf – –

cg';"rL–!# sz]o/ ;DaGwL vr{{qm=;+= ljj/0f o; aif{ ut aif{1= z]o/ lgZsf;g vr{ – – 2= z]o/ /lhi6]«;g vr{3= z]o/ ;"lrs/0f vr{ 138,700 125,000 4= nfef+z ljt/0f vr{ – – 5= z]o/ ;DaGwL cGo vr{ 819,104 689,769

hDdf 957,804 814,769

cg';"rL–!$cGo vr{x|?qm=;+= ljj/0f o; aif{ ut aif{1= b)* hl/jfgf – – 2= ljnDa z'Ns hl/jfgf 76,831 91,310 3= cGo – –

hDdf 76,831 91,310

cg';"rL–!%gf]S;fgLsf] nflu Joj:yfqm=;+= ljj/0f o; aif{ ut aif{1= nufgLdf gf]S;fgsf] nflu Joj:yf lkmtf{ 145,243 2,232,446 2= shf{df gf]S;fgsf] nflu Joj:yf lkmtf{ 28,557 – 3= z+sf:kb cf;fdL Joj:yf lkmtf{ – – 4= cGo Joj:yf lkmtf{ – –

hDdf 173,800 2,232,446



cg';"rL–!^-s_ z]o/ k"FhL

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

!= clws[t k"FhL

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

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

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

@= hf/L k"FhL

s_ ? !)) b/sf] %)))))) yfg ;fwf/0f z]o/ 500,000,000 411,300,000

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

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

#= r'Qmf k"FhL

s_ ? !)) b/sf %)))))) yfg ;fwf/0f z]o/ 500,000,000 411,300,000

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

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

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

hDdf 500,000,000 411,300,000

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

z]o/wgLo; aif{ ut aif{

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

;+:y

fks

g]kfnL ;+ul7t ;+:yfx? 1,770,554 35=41 834,025 20=28

g]kfnL gful/s 1,726,446 34=53 2,045,075 49=72

ljb]zL – – – –

hDdf 3,497,000 70 2,879,100 70

;j{;fwf/0f 1,503,000 30 1,233,900 30

cGo -ljj/0f v'nfpg]_ – – – –

s"n 5,000,000 100 4,113,000 100



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

qm+=;+= ljj/0fo; aif{ ut jif{

:jfldTjsf] % /sd :jfldTjsf] % /sd

1 >L dx]z s'df/ cu|jfn 6=63 33,132,500 8=06 33,132,500

2 >L cflzif s'df/ cu|jfn 6=86 34,275,000 8=33 34,275,000

3 o'lgl6s OGe]i6d]G6 k|f= ln= 10=28 51,388,900 10=28 42,272,500

4 o'gfO{6]8 OGe]i6;{ k|f= ln= 8=00 39,987,500 9=72 39,987,500

5 >L lj/]Gb| s'df/ ;+3O{ 2=22 11,111,100 5=72 23,535,500

6 k|'8]lG;on Soflk6n Dofg]hd]G6 s+= k|f= ln 6=99 34,958,000 3=13 12,856,200

7 >L ljj]s cu|jfn – – 8=75 35,988,700

8 >L cflzif lhGbn – – 3=47 14,281,200

9 >L ljef]/ s'df/ cu|jfn – – 2=78 11,425,000

10 >L lgt]z cu|jfn – – 7=92 32,561,200

11 >L ljzfn cu|jfn 1=02 5,100,000 – –

12 >L lgs'GHf cu|jfn 1=04 5,188,700 – –

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

14 >L cg'h cu|jfn 1=06 5,300,000 – –

15 Unf]an O{Dk]S; OG6/g]zgn k|f=ln= 1=11 5,555,600 – –

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

17 olt lasfz a}+s ln= 1=32 6,615,500 – –

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

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

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

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

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

23 >L slatf ;+3O{ 3=50 17,500,100 – –

24 cfO{PdO{ u'|k k|f=ln= 3=90 19,481,200 – –

hDdf 66=81 334,068,400 68=15 280,315,300



cg';"rL–!&hu]8f tyf sf]if


1= :yug s/ hu]*f 26,471,958 1,016,048

2= k"FhLut hu]8f – –

3= ljz]if hu]8f – –

4= cGo hu]8f -ljj/0f v'nfpg]_ – –

5= z]o/ lk|ldod 27,671,786 –

6= k|:tfljt af]gz z]o/ – –

7= k"FhLs[t x'g af+sL af]g; z]o/ – –

8= ;dfof]hg -246,448_

9= Gffkmf gf]S;fg lx;faaf6 ;f/]sf] gfkmf 71,129,998 48,669,582

hDdf 125,027,294 49,685,630

cg';"rL–!*dxf–ljklQ hu]8f

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

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{ – – 9,246,088 – 9,246,088 –

– – – – – –

– – – – – –

hDdf 9,246,088 –

cg';"rL–!(ltg{ jfsL bL3{sflng C0f tyf ;fk6L


1= l8a]Gr/ ÷ a08 – –

2= a}+s – –

3= ljQLo ;+:yf – –

4= cGo -ljj/0f v'nfpg]_ – –

hDdf – –



cg';

"rL–@)

l:y/ ;DklQ lj

j/0f

k/n

df]n

Xf;

s§L

v'b d

f]n

z'? d

f}Hbft

o; j

if{ yk

]sf]o

; jif{ 3

6]sf]

hDdf

ut j

if{;Dd

o; j

if{laqmL

÷

;dfof]h

ghD

dfo;

jif{;

Ddsf

]Uft

jif{;

Ddsf

]

lk|m x

f]N8 h

ldg

––

––

––

––

––

ejg

––

––

––

––

––

kmlg{r/

tyf

lkmS;

\r;{

3,934

,921

1,598

,561

–5,53

3,481

2,32

5,69

867

6,742

–3,0

02,4

402,53

1,041

1,609

,222

sfof

{no ;

fdfg

1,973

,846

1,825

,523

–3,7

99,36

91,0

80,36

147

7,96

5–

1,558

,326

2,24

1,043

893,4

85

sDKo

"6/ t

yf ;

"rgf k

|ljwL

pks

/0f

4,28

2,02

52,11

0,83

6–

6,392

,861

2,00

4,36

194

0,75

2–

2,94

5,11

33,4

47,749

2,27

7,66

5

cb[Zo

;Dk

lQ -l

jj/0

f v'nf

pg]_

3,129

,694

6,155

–3,1

35,8

492,40

5,59

261

2,76

8–

3,018

,360

117,48

972

4,10

2

;jf/L

;fw

g5,09

2,38

08,

541,8

691,5

42,000

12,092

,249

2,17

7,10

41,8

17,8

011,1

42,592

2,85

2,31

39,23

9,93

62,91

5,27

6

lnh

xf]N8

;Dk

lQ2,85

4,34

374

7,78

6–

3,602

,129

630,31

913

6,396

–76

6,715

2,83

5,41

42,22

4,02

4

cGo

-h]g]/

]6/_

1,067

,785

210,00

0–

1,277

,785

269,85

414

0,79

5–

410,64

886

7,13

779

7,93

1

hDdf

22,33

4,99

415

,040

,729

1,542

,000

35,8

33,724

10,8

93,288

4,80

3,219

1,142

,592

14,553

,915

21,279

,808

11,4

41,706

lgdf

{0fflwg

k'FhLu

t vr

{–

––

––

––

––

–

s'n22

,334,

994

15,040

,729

1,542

,000

35,8

33,7

2410

,893

,288

4,80

3,219

1,142

,592

14,553

,915

21,279

,808

11,4

41,7

06

ut j

if{ 16

,547

,658

5,90

4,33

6117,

000

22,33

4,99

48,

263,0

942,68

9,68

659

,492

10,8

93,288

11,4

41,7

0610

,082

,073



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

-s_ bL#{sflng nufgL M!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L 59,752,000 70,477,000 @= jfl0fHo a}+ssf] d'2tL lgIf]k 322,000,000 230,000,000 #= ljsf; a}+ssf] d'2tL lgIf]k 45,000,000 – $ gful/s nufgL of]hgf – – % ljQLo ;+:yfsf] d'2tL lgIf]k 59,200,000 – ^ cfjf; ljQ sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! adf]lhd_ – – & cGo sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! adf]lhd_ 41,165,777 34,811,883 * a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8j]Gr/ – – ( cGoM laleGg a}+sx¿sf] j08x¿ 73,778,000 50,578,000

hDdf 600,895,777 385,866,883 -v_ cNksflng nufgL M!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L – – @= jfl0fHo a}+ssf] d'2tL lgIf]k 330,000,000 337,500,000 #= ljsf; a}+ssf] d'2tL lgIf]k 131,000,000 17,500,000 $ gful/s nufgL of]hgf – – % ljQLo ;+:yfsf] d'2tL lgIf]k 52,500,000 27,200,000 ^ a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8j]Gr/ – – & afl0fHo j}+ssf] Aofh k|fKt x'g] cGo lgIf]k 34,112,027 87,036,216 * ljsf; j}+ssf] Aofh k|fKt x'g] cGo lgIf]k 6,295,011 4,394,280 ( ljlQo ;+:yfsf] Aofh k|fKt x'g] cGo lgIf]k 283,806 899,669 !) cGo Jofh k|fKt x'g] nufgL – –

hDdf 554,190,844 474,530,165 s'n 1,155,086,621 860,397,047

cg';"rL–@!=!z]o/df nufgL

qm=;+= sDkgL v'b /sd c+lst d"No k/n d"No ahf/ d"No1 PgcfO{;L Pl;of a}+s lnld6]8sf] ^,@!* yfg z]o/ k|lt z]o/ ? %^!.($ 3,494,118 621,800 3,494,118 6,087,422 2 g]kfn OGe]i6d]G6 a}+ssf] *$( yfg z]o/ k|lt z]o/ ? !)).)) 743,787 84,900 743,787 815,040 3 hgtf a+}s lnld6]8 #,)() yfg z]o/ k|lt z]o/ ? !)).)) 300,000 309,000 300,000 973,350 4 glan Dofr'cn kmG8 @@*,&#& yfg o'lg6 k|lt o'lg6 ? !).)) 2,287,370 2,287,370 2,287,370 3,488,239 5 glan a}+s lnld6]8 !^,*() yfg z]o/ k|lt z]o/ ? ((&.@!-;+:yfks_ 16,842,865 1,689,000 16,842,865 28,240,080 6 Pe/]i6 a+}s lnld6]8 %,##@ yfg z]o/ k|lt z]o/ ? !$)@.*! 7,479,784 533,200 7,479,784 14,263,100 7 sd{h P08 6«i6- cfO{PdO{_ a+}s lnld6]8 !,#&# yfg z]o/ k|lt z]o/ ? !)).)) 207,100 137,300 207,100 919,910 8 PgPdla a}+s lnld6]8 @,##! yfg z]o/ k|lt z]o/ ? @%).#& 583,618 233,100 583,618 1,205,127 9 s'df/L a}+s lnld6]8 $!,%@( yfg z]o/ k|lt z]o/ ? **.#% -;+:yfks_ 3,668,884 4,152,900 3,668,884 4,152,900 10 nIdL a}+s lnld6]8 #)^ yfg z]o/ - af]gz ;]o/ _ – 30,600 – 180,540 11 ;g/fOh a}s lnld6]8 @,@*! yfg z]o/ k|lt z]o/ ? !(&.$& 450,419 228,100 450,419 1,158,748 12 ;fgf ls;fg lasf; a}+s lnld6]8 &$! yfg z]o/ k|lt z]o/ ? *^.(! 64,400 74,100 64,400 995,904 13 ?/n dfOs|f] kmfOgfG; lasf; a}+s lnld6]8 !,)#@ yfg z]o/ k|lt z]o/ ? !*).)) 185,760 103,200 185,760 862,752 14 s[lif lasf; a+}s lnld6]8 !,%&( yfg z]o/ k|lt z]o/ ? $(&.#% 785,314 157,900 785,314 1,089,510 15 g]kfn a+}s lnld6]8 (,&@# yfg z]o/ k|lt z]o/ ? #!*.&$ 3,099,078 972,300 3,099,078 4,492,026 16 ;flgdf a+}s lnld6]8 %)) yfg z]o/ k|lt z]o/ ? %!$.^( 257,347 50,000 257,347 312,500 17 l;¢fy{ a+}s lnld6]8 %)) yfg z]o/ k|lt z]o/ ? ^)^.%! 303,257 50,000 303,257 405,000 18 lxdfnog a+}s lnld6]8 $$# yfg z]o/ k|lt z]o/ ? (!).## 403,276 44,300 403,276 422,622 19 l/l8 xfO{8«f] kfj/ 8]enkd]06 s=ln=($ yfg z]o/ k|lt z]o/ ? !)).)) 9,400 9,400 9,400 31,584

hDdf 41,165,777 11,768,470 41,165,777 70,096,354



cg';"rL–@@gub tyf a}+s df}Hbft

qm=;+= ljj/0f o; aif{ ut aif{1 gub tyf r]s df}Hbft 26,996,185 4,249,385

hDdf 26,996,185 4,249,385 2 a}+s df}Hbft

jfl0fHo a}+sx?sf] df}Hbft 14,872,310 9,942,431 ljsf; a}+sx?sf] df}Hbft 3,000 8,000 ljQLo ;+:yfx?sf] df}Hbft – – cGo -ljj/0f v'nfpg]_ – – hDdf 14,875,310 9,950,431 s"n 41,871,495 14,199,816

cg';"rL–@#cGo shf{

qm=;+= ljj/0f o; aif{ ut aif{s lb3{sflng shf{ – – 1 clestf{nfO{ shf{ 28,228,602 919,191 2 sd{rf/LnfO{ shf{ – – 3 cGo -ljj/0f v'nfpg]_ – –

hDdf 28,228,602 919,191 v cNksflng shf{ – – 1 clestf{nfO{ shf{ – – 2 sd{rf/LnfO{ shf{ 456,313 834,473 3 cGo -ljj/0f v'nfpg]_ – –

hDdf 456,313 834,473 hDdf 28,684,915 1,753,664

cg';"rL–@$cGo ;DkQL

qm=;+= ljj/0f o; aif{ ut aif{1 nufgLaf6 k|fKt x'g afFsL cfo 21,938,632 14,224,965 2 aLdfn]vsf] lwtf]df shf{af6 k|fKt x'g afFsL Aofh 901,482 313,359 3 cGo -aLdfn]vsf] lwtf]df afx]s_ shf{af6 k|fKt x'g afFsL Aofh – – 4 cGo aLdsaf6 k|fKt x'g afFsL – – 5 k'gaL{dsaf6 k|fKt x'g afFsL – – 6 ljljw cf;fdL 2,801,691 520,661 7 clu|d e'QmfgL 51,145,786 37,161,388 8 sd{rf/L k]ZsL 696,510 – 9 cGo k]ZsL 55,539,907 15,035,276 10 w/f}6L 276,840 266,590 11 c;'n x'g afFsL aLdfz'Ns – –

Go"g M c;'n x'g afFsL aLdfz'Ns d'NtjL -suspense_ – – 12 cGoM df}Hbft -ckmL; ;fdfg_ 304,672 244,690 13 cGoM :yug s/ ;DkQL 26,471,958 1,016,048

hDdf 160,077,477 68,782,977



cg';"rL–@%rfn' bfloTj

qm=;+= ljj/0f o; aif{ ut aif{1 clestf{nfO{ lbg afFsL 9,501,654 3,511,955

2 cGo aLdsnfO{ lbg afFsL – –

3 k'gaL{dsnfO{ lbg afFsL 22,448,971 1,250,524

4 cNksflng shf{ – –

5 aLdfz'Ns w/f}6L 1,323,451 1,025,843

6 k"0f{ ljj/0f gv'n]sf] aLdfz'Ns 802,816 396,056

7 ljljw ;fx" 17,699,323 8,593,145

8 ;xfos÷xf]lN8Ë sDkgLnfO{ lbg afFsL – –

9 >f]tdf s§f ul/Psf] s/ ltg{ afFsL 6,053,855 2,295,057

10 d"No clea[{l4s/ ltg{ afFsL – –

11 ;]jf z'Ns ltg{ afFsL 4,150,502 2,167,026

12 sd{rf/LnfO{ lbg afFsL 825,634 403,415

13 ;+rfnsnfO{ lbg afFsL – –

14 cGoM

-s_ sd{rf/L sNof0f sf]if 113,500 3,523

-v_ sn O{g P8efG; -xsk|b z]o/ afkt_ – 50,743,700

hDdf 62,919,706 70,390,244

cg';"rL–@^c;dfKt hf]lvd Joj:yf

qm=;+= ljj/0f o; aif{ ut aif{1 a}b]lzs /f]huf/ DofbL lhjg=aLdfsf] c;dfKt hf]lvd hu]8f 38,000,000 –

2 DofbL hLjg aLdf 18,808 22,914

hDdf 38,018,808 22,914



cg';

"rL–@&

ckn]vg÷;dfof]hg x'g afFsL ljljw vr{x?

qm=;

+=ljj/

0fo;

aif{

ut a

if{1

ckn

]vg u

g{ a

fFsL k|f/lDe

s v

r{

–

–

2

ckn

]vg u

g{ a

fFsL k"j

{ ;+rfn

g v

r{

–

–

3

ckn

]vg u

g{ a

fFsL nufg

L lk|ld

od

–

84,583

4

ckn

]vg u

g{ a

fFsL :y

ug u

l/Ps

f vr{

–

–

5

cGo

-ljj/

0f v

'nfp

g]_

–

–

hDd

f –

8

4,58

3

cg';

"rL–@^

scGo Joj:yf

qm=;+=

ljj/

0fjif{s

f] ;'?d

f Joj

:yf

rfn'

cf=j=d

f yk

ul/P

sf]

Joj:

yf

rfn'

cf=j=d

f ckn

]vg /

e'Qmfg

L ul/Ps

f] Joj

:yf

rfn'

cf=j=d

f lkmt

f{

ul/P

sf] Jo

j:yf

aif{sf

] cGTo

df s

fod

/x]sf

]]

Joj:

yf

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

1nf

ef+z

cfos

/ sf

] nflu

Joj

:yf

–2,70

0,00

0–

––

2,70

0,00

0–

––

–

2cf

os/

Joj:

yf23

2,03

723

2,03

7–

––

––

–23

2,03

723

2,03

7

3nu

fgLd

f gf]S;

fgLs

f]] nflu

Joj

:yf

145,24

32,37

7,68

9–

––

–14

5,24

32,23

2,44

6–

145,24

3

4sh

f{df g

f]S;fg

Lsf]] n

flu Joj

:yf

31,999

––

31,999

––

28,557

–3,4

4231

,999

5z+s

f:kb

cf;f

dLsf

] nflu

Joj

:yf

––

––

––

––

––

6cG

o gf

]S;fg

Lsf]] n

flu Joj

:yf

––

––

––

––

–

7sd

{rf/L

;DjG

wL Joj

:yf

––

––

––

––

––

s_ k

]G;g

tyf p

kbfg

Joj

:yf

1,470

,694

1,147

,889

881,3

6832

2,80

5–

––

–2,35

2,06

21,4

70,69

4

v_ lj

bf j

fkt

Joj:

yf3,6

46,66

63,0

32,275

3,147

,729

1,542

,805

1,554

,420

928,

414

––

5,23

9,97

53,6

46,66

6

u_ c

fjf;

tyf

cGo

;'ljwf

Joj

:yf

––

––

––

––

––

3_ sd

{rf/L a

f]g;

Joj:

yf4,

065,92

52,92

4,47

93,1

70,650

4,06

5,92

54,

065,92

52,92

4,47

9–

–3,1

70,650

4,06

5,92

5

ª_ c

Go–

––

––

––

–8

cGo

Joj:

yf lj

j/)f

v'nfp

g]–

––

–

hDdf

9,59

2,56

412

,414

,369

7,19

9,74

75,96

3,534

5,62

0,34

56,55

2,89

317

3,800

2,23

2,44

610

,998

,166

9,59

2,56

4



cg';"rL–@*

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

aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{zg, @)^% -ldlt @)^&.)%.@! kl/dflh{t_ cg';f/ P]ltxfl;s d"No cjwf/0ff tyf

k|f]befjL (Accrual) cfwf/df tof/ ul/Psf] 5 .

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

cjnDag u/]sf]] 5 .

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

cg';f/ ug]{ gLlt /x]sf] 5 . t/ sDkgLn] lnhxf]N8 ;DklQdf % k|ltztsf b/n] 36\bf] x|f; k|0ffnL cg';f/ n]vfÍg ug]{ gLlt

cjnDag u/]sf]] 5 .

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

ug{] gLlt cjnDag u/]sf]] 5 .

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

ug'{ eGbf klxnfsf]_nfO{ aLdf ;ldltsf] ljQLo ljj/0f ;DalGw lgb]{zg, @)^% cg';f/ gfkmf gf]S;fg lx;fj tyf cfo Joo lx;fasf] ef/

cg';f/ afF8kmfF8 ug]{ gLlt cjnDag u/]sf]] 5 . :yug s/nfO{ gfkmf gf]S;fg lx;fjdf b]vfpg] gLlt cjnDag ul/Psf]] 5 .

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

-s_ g]kfn ;/sf/sf] jrtkq÷C0fkq jf g]kfn ;/sf/sf] hdfgt k|fKt C0fkqdf jf klAns lnld6]8 sDkgLsf]

artkq÷C0fkqdf ul/Psf] nufgLnfO{ n]vfÍg ubf{ aLdf ;ldltsf] ljQLo ljj/0f ;DjGwL lgb]{zg @)^%

adf]lhd clÍt d"No (Face Value) jf k/n d"No dWo] h'g 36L 5 ;f]xL d"Nodf n]vfÍg ug]{ gLlt cjnDag

u/]sf]] 5 .

-v_ v08 -s_ adf]lhd ul/Psf] nufgLsf] clÍt d"No eGbf k/n d"No a9L ePdf To:tf] a9L /sdnfO{ :yug ul/Psf]

vr{ (Deferred Expenditure) sf] ?kdf n]vfÍg u/L ;f] vr{nfO{ To:tf] nufgLsf] cjwL leq ;dfg'kflts cfwf/df

(Pro-rata Basis) ckn]vg ug]{ gLlt /x]sf] 5 .

-u_ v08 -s_ adf]lhd ul/Psf] nufgLsf] clÍt d'No eGbf k/n d'No sd ePdf To:tf] km/s /sdnfO{ nufgL cjlw leq

;dfg'kflts cfwf/df nufgLaf6 cfosf] ?kdf n]vfÍg ug]{ gLlt /x]sf] 5 .

-3_ v08 -s_ adf]lhdsf jrtkq jf C0fkqsf] n]vfÍg ul/Psf] d"No eGbf ahf/ d"No sd x'g uPdf To:tf] km/s

/sdsf] a/fa/ Joj:yf (Provision ) ug]{ gLlt /x]sf] 5 .

-ª_ a}+s÷ljQLo ;+:yfsf] d'2tL lgIf]k jf gfu/Ls nufgL sf]ifsf] nufgL of]hgfx?df ul/Psf] nufgLnfO{ ;fFjf /sddf

b]vfOg] gLlt /x]sf] 5 . t/ To:tf] nufgLsf] Dofb ;dfKtL kl5 s'g} sf/0fj; tTsfn lkmtf{ x'g g;Sg] cj:yf >[hgf

ePdf To:tf] nufgL /sdsf] a/fa/ Joj:yf ug]{ gLlt cjnDag u/]sf] 5 .

-r_ klAns lnld6]8 sDkgLsf] ;"lrs[t z]o/df ul/Psf] nufgLnfO{ k/n d"Nodf b]vfpg] / z]o/df ul/Psf] nufgLsf]

n]vfÍg nufgL ul/Psf] d"No eGbf ahf/ d"No sd x'g uPdf To:tf] km/s /sd a/fa/ nufgLdf gf]S;fgLsf] lgldQ

Joj:yf (Provision) ug]{{ gLlt /x]sf] 5 .

-5_ klAns lnld6]8 sDkgLsf] ;+:yfks z]o/df nufgL ul/Psf] z]o/ k|rlnt sfg'g adf]lhd lwtf]kq ahf/df ;"lrs[t

gePdf lgDg cg';f/ ug]{ gLlt cjnDag u/]sf] 5 .



-c_ sDkgLn] z]o/df nufgL u/]sf] klAns lnld6]8 sDkgLn] sf/f]jf/ ug]{ Ohfhtkq kfPsf] ldltn] tLg aif{ ;Dd To:tf]

nufgLnfO{ k/n d"Nodf b]vfpg] gLlt /x]sf] 5 .

-cf_ sDkgLn] z]o/df nufgL u/]sf] klAns lnld6]8 sDkgLn] sf/f]jf/ ug]{ Ohfhtkq kfPsf] ldltn] tLg aif{ kl5 To:tf]

nufgLnfO{ k/n d"Nodf b]vfO{ ;f] nufgL a/fa/sf] Joj:yf ug]{ gLlt /x]sf] 5 .

-h_ v08 -r_ adf]lhd nufgL ul/Psf] z]o/ k|rlnt sfg'g adf]lhd lwtf]kq ahf/sf] ;"rLaf6 x6]df -De-listed ePdf_

;f] nufgL a/fa/sf] Joj:yf ug]{ gLlt /x]sf] 5 .

k|rlnt sfg'g adf]lhd sDkgLsf] :jfldTjdf gcfPsf] jf g/x]sf] z]o/, artkq, C0fkq jf cGo ;DklQnfO{ nufgLdf

;dfj]z gug]{ gLlt cjnDag u/]sf] 5 .

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

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

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

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

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

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

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

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

afx]s lgis[o shf{ h'g nuftf/ tLg dlxgf jf ;f] eGbf a9L cjlwsf] efsf gf3]sf] ePdf ;f] shf{ a/fa/ /sd Joj:yf ug]{

gLlt /x]sf] 5 . aLdfn]vsf] lwtf]df k|bfg u/]sf] shf{sf] xsdf aLdfn]vsf] ;t{ adf]lhd To:tf] shf{ ;+u ;DalGwt aLdfn]v

hkmt x'g' kg]{ ;dofjwL Plsg u/L hkmt x'g' kg]{ aLdfn]vsf] lwtf]df k|bfg ul/Psf] shf{nfO{ shf{ lzif{saf6 x6fO{ ;dfof]hg

ug]{ u/]sf] 5 . k|To]s cfly{s jif{sf] cGTodf hkmt x'g] aLdfn]v Plsg ul/g] gLlt /x]sf] 5 .

!@= Joj:yfkg vr{ afF8kmFf8 gLlt M sDkgLNf] s"n Joj:yfkg vr{nfO{ af+8kmf8+ ubf{ ljQLo ljj/0f ;DjGwL lgb]{zg @)^% cg';f/ s'n aLdf lk|ldodsf] #)

k|ltzt ;Ddsf] /sdnfO{ lgb]{zg !$=@ cg';f/ gfkmf gf]S;fg lx;fjdf !) k|ltzt / af+sL /sdnfO{ cfo Joo lx;fjdf

ltgLx?sf] ef/ cg';f/ afF8kmfF8 ul/Psf] 5 / #) k|ltzt eGbf a9L ePsf] /sdnfO{ lgb]{zg !$=# cg';f/ gfkmf gf]S;fg

lx;fjdf ;fg]{ gLlt cjnDag u/]sf] 5 .

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

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

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

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

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

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



!&= z+sf:kb cf;fdL Joj:yf gLlt M sDkgLNf] z+sf:kb cf;fdLsf] nflu Joj:yfkgn] lgwf{/0f u/]sf] cg'dfg cg';f/ Joj:yf ug]{ gLlt /x]sf] 5 .

!*= ckn]vg vr{ n]vfÍg gLlt M s_ k|f/lDes tyf k"j{ ;~rfng vr{x?nfO{ sDkgL ;+rfng ePs} aif{df vr{ n]Vg] gLlt lnOPsf] 5 .

v_ ckn]vg ug{ afsL nufgL lk|ldodnfO{ :yug ul/Psf] vr{sf] ?kdf n]vfÍg u/L ;f] vr{nfO{ To:tf] nufgLsf] cjlw

leq ;dfg'kflts cfwf/df ckn]vg ug]{ gLlt /x]sf] 5 .

!(= cGo gLltx? M jf;nft, gfkmf gf]S;fg lx;fa, cfo Joo lx;fa nufotsf ljQLo ljj/0fnfO{ a'‰g / ljZn]if0f ug{ ;3fp k'Ug] cGo n]vf

gLltx? M

s_ aflif{s jf ;f] eGbf sd cjlwsf] aLdfz'Ns b/ tf]lsPsf] / aLdf cjlw ;dfKtL afkt bfjL e'QmfgL ug{' gkg]{ lsl;dsf]

aLdfsf] c;dfKt hf]lvd afkt v"b aLdf z'Nssf] krf; k|ltzt /sd jf aLdfÍLo d"NofÍg ePsf] cj:yfdf h'g a9L

x'G5 ;f] eGbf sd gx'g] u/L bfloTj /sd Joj:yf ug]{ gLlt lnOPsf] 5 .

v_ Psn aLdf z'Ns b/ tf]lsPsf] / aLdf cjlw ;dfKtL afkt bfjL e'QmfgL ug'{ gkg]{ lsl;dsf] aLdfsf] aLdf cjlwsf]

;dfg'kflts x'g]u/L jf aLdfÍLo d"NofÍg ePsf] cj:yfdf h'g a9L x'G5 ;f] eGbf sd gx'g] u/L bfloTj /sd Joj:yf

ug]{ gLlt lnOPsf] 5 .

u_ lhG;L df}Hbft -:6]zg/L tyf 5kfO{_ sf ;+aGwdf aiff{Gtdf /x]sf] ?= !),)))÷— eGbf dflysf /sdnfO{ df}Hbftdf

lng] gLlt /x]sf] 5 .

3_ c++snfO{ glhssf] ?k}+ofdf k|:t't ul/Psf] 5 .



cg';"rL–@(ljQLo ljj/0f;+u ;DalGwt n]vf ;DaGwL l6Kk0fLx?

1 ;Defljt bfloTjx? Mc_ r'Qmf jf e'QmfgL x'g afFsL nufgL gePsf] .

cf_ xfn;Dd sDkgLn] s'g} k|Tofe"lt k|lta4tf u/]sf] 5}g .

O_ aLdfn]v cGtu{t eGbf afx]s s'g} bfjL k/]sf] 5}g .

O{_ sDkgLn] o; cf=j=df s'g} k|sf/sf] Uof/]06L lbPsf] 5}g .

p_ cGo bfloTj gePsf] .

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

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

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

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

5 nufgL;+u ;DalGwt b]xfosf v/Lb laqmL ;Demf}tfx?sf] d"No Mc_ sDkgLn] v/Lb u/]sf] ;a} ;DklQx?sf] :jfldTj k|fKt eO;s]sf] 5 .

cf_ o; cf=j=df sDkgLn] laqmL u/]sf] ;DklQsf] e'QmfgL k|fKt eO;s]sf] 5 .

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

qm=;= ljj/0f nufgL ?= nufgL lkmtf{{ ?= laqmL ?=1 g]kfn ;/sf/sf] C0fkq tyf art kq 15,000,000÷– 25,725,000÷– –2 sdl;{on a}+s 417,000,000÷– 332,500,000÷– –3 ljsf; a}+s 176,000,000÷– 17,500,000÷– –

4 ljQLo ;+:yfsf] d'2tL lgIf]k 85,500,000÷– 1,0000,000÷– –

5 klJns lnld6]8 sDkgLsf] ;fwf/0f z]o/ 32,056,227÷– – 25,702,333÷–6 sdl;{on l8j]Gr/ 23,200,000÷– – –

HfDdf 748,756,227÷– 385,725,000÷– 25,702,333÷–qm=;+ % cGtu{tsf] z]o/ ljlqmaf6 ?=!),($*,%(#÷)) sf] gfkmf u/]sf] 5 .

* ladf ;ldtLaf6 hf/L nufgL lgb]{lzsf cg';f/ ljsf; a}+sdf nufgL, hDdf nufgLsf] !% k|ltzt x'g' kg]{df !%=&*

k|ltzt eO{ )=&* k|ltzt a9L x'g uPsf] 5 . l/nfojn kmfOgfG; lnld6]8 ldlt @)&!.)!.)@ af6 l/nfojn 8]enkd]G6

a}sdf ?kfGt/0f ePsf] sf/0fn] ubf{ 8]enkd]G6 a}ssf] nufgL l;dfdf )=&* k|ltzt a9L x'g uPsf] xf] .

&= a}+s df}Hbft lx;fa ;DaGwdf ;DalGwt a}+s÷ljQLo ;+:yfsf] ;dy{g ;lxtsf] lx;fa ldnfg ;DaGwL Joxf]/f M a}+s tyf ljQLo ;+:yfx?df /x]sf] a}Í df}Hbft sDkgLsf] lx;fj;Fu Reconcile /x]sf] 5, / ljQLo ;+:yfx?af6 df}Hbft

;dy{g kq k|fKt ePsf]] 5 .

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

l;=g ljj/0f /sd ?=!= k'gaL{df z'Ns e'QmfgL - k|fKt ;dy{g cg';f/ _ @@,%^$,*@$.&$

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

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



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

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

Joj:yfkgdf /x]sf k|d'v JolQmx?M

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

!= >L /fdjfj' kGt cWoIf

@= >L dx]]z s'df/ cu|jfn ;+rfns

#= >L x]dGt gfx6f ;+rfns

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

%= >L lza l;x+ sfsL ;+rfns

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

&= >L dgf]h s'df/ nfn s0f{ sf=d'=dxfk|jGws -ldlt @)&).)%.@% b]lv @)&!.)(.)$ ;Dd_ *= >L uf]kfn l3ld/] dxfk|jGws -ldlt @)&!.)#.#@ ;Dd_

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

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

ePsf] 5 . ;+rfnsx?sf] JolQmut b'3{6gf aLdf afkt ?= @,!)%.)! lk|ldod e'QmfgL ul/Psf] 5 . pQm sfo{{sf] sDkgLsf]]

rf}}yf]] jflif{s ;fwf/0f ;efaf6 cg'df]bg ePsf] 5 .

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

qm= ;+= Gffd kbrfn" tna eQf /

;'ljwf

eljiodf k|bfg

ul/g] ;'ljwf

bL3{sfnLg

;'ljwf

af]g; tyf

s= s= sf]ifhDdf

! gGb lszf]/ zdf{ dxfk|aGws -tTsfnLg_ ? !,@*$,^@$.@$ — — — ? !,@*$,^@$.@$

@ Uff]kfn l3ld/] dxfk|aGws -tTsfnLg_ ? !,@!$,%$$.*# — — — ? !,@!$,%$$.*#pk/f]Qm jfx]s OGwg / df]afOn kmf]gsf] lan adf]lhdsf] vr{ e'QmfgL ul/Psf] 5 .

!!= o; cfly{s jif{sf] cGtdf e'QmfgL x'g af+sL s'g} klg shf{ g/x]sf] .

!@= cf=j= @)^$.^%, cf=j=@)^%.^^, cf=j=@)^^.^&, cf=j=@)^&.^*, cf=j=@)^*.^( / cf=j=@)^(.&) sf] cfo ljj/0f :jod

s/ lgwf{/0f u/L ;DalGwt cf=/f=sf=df k]z ul/;lsPsf] 5 . pQm cfo ljj/0fx? dWo] cf=a= @)^^.)^& sf] ;DalGwt

sfof{noaf6 clGtd s/ lgwf{/0f eO{;s]sf] / cGo cfly{s jif{x?sf] clGtd s/ lgwf{/0f x'g af+sL /x]sf] 5 .

!#= o; cf=j=df lkmtf{ ul/Psf] aLdf z'Ns ?=(@(,@*@÷ /x]sf] 5 .

!$= cf=j=@)&).&! ;Ddsf] ljdfÍLo d"NofÍg ul/ lgodgsf/L lgsfo >L aLdf ;ldtLaf6 :jLs[tL k|fKt eO{ gof af]g; b/ ?=#$

b]lv ?=^% ;Dd k|tL xhf/ sfod ul/Psf] 5 .

!%= l9nf] aLdfz'Ns e'QmfgLdf lanDa z'Ns÷Aofhsf] b/ tyf aLdfn]vsf] lwtf]df k|bfg ul/g] shf{df Aofhsf] b/ M

l9nf] aLdfz'Ns e'QmfgLdf lanDa z'Ns jfkt !) k|ltztsf b/n] ljnDa z'Ns lng] ul/Psf] 5 . aLdfn]vsf] lwtf]df

k|bfg ul/Psf] shf{df !@ k|ltztsf b/n] Jofh b/ sfod ul/Psf] 5 . pNn]lvt ljnDj z'Ns tyf Jofh jfkt qmdzM ?=

!,)$!,!!*.)) tyf ?=(,^%,%#%. -ljut jif{ ?= !,#&^,&&*.)) tyf ?=#,%*,(%!.)) _ k|fKt u/]sf] 5 .

nufgLdf e'QmfgL u/]sf] lk|ldod ?=*$,%*#.)) Aff+sL /x]sf] /sd o; cf=j=df ckn]vg ul/Psf] 5 .

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

lgisfzg ul/Psf z]o/x? 5}g .



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

ljj/0fut jif{;Ddsf]

s'n /sdut jif{;Ddsf]

vr{ n]lvPsf] /sdo; jif{sf]yk÷-36_

o; jif{sf]x|f;

;dfof]hgs'n vr{ jf+sL /sd

ljB'lto ;fdfg tyf h8fg &##,^$* !&!,)#% #&!,@%^ $),%^* – @!!,^)# *(#,#)!wf/f jfy?d ;fdfg tyf h8fg @^,&!& ^,#*( #^%,@%) !#,@%@ – !(,^$! #&@,#@^lgdf{0f tyf ;hfj6 @,)(#,(&* $%@,*(% !!,@*) *@,%^& – %#%,$&@ !,%^(,&*&

HfDdf @,*%$,#$# ^#),#!( &$&,&*^ !#^,#(^ – &^^,&!% @,*#%,$!$

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

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

!(= cl3Nnf aif{ a9L bfaL ul/Psf] clu||d cfos/ ?= @$^,$$*.– nfO{ o; cf=j= df ;dfof]hg ul/Psf] 5 .

@)= jf;nft, gfkmf gf]S;fg lx;fa, cfo Joo lx;fa ufotsf ljQLo ljj/0fx?nfO{ a'‰m\g / ljZn]if0f ug{ ;3fp k'Ug] cGo

hfgsf/Lx?M

-s_ :yug s/ ;DklQ tyf bfloTj g]kfn n]vfdfg 9 cg';f/ @)&! cfiff9 d;fGtdf cfos/df lgDg cg';f/ u0fgf

ul/Psf] 5 .

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

l:y/ ;DklQ @!,@&(,*)* !(,^%#,)&! -!^@^,&#*_

nufgLdf lk|ldod – @*(,$#! @*(,$#!

nufgL afkt Joj:yf – – –

pkbfg Joj:yf @,#%@,)^@ – @,#%@,)^@

ljbf afkt Joj:yf %,@#(,(&% – %,@#(,(&%

shf{df gf]S;fgLsf]] nflu Joj:yf #,$$@ – #,$$@

o; jif{sf] gf]S;fg $^,!$%,@!! $^,!$%,@!!

cl3Nnf] jif{af6 ;fl/Psf] gf]S;fg %#,$*$,$$( %#,$*$,$$(

s"n c:yfO{ km/s !)%,**&,*#@

:yug s/ ;DklQ @%Ü @^,$&!,(%*

:yug s/ u0fgf ubf{ o; cf=j= b]lv cl3Nnf] jif{af6 ;fl/Psf] gf]S;fg ? %#,$*$,$$(.!# nfO{ c:yfO{ km/s dflg

o;af6 x"g cfpg] :yug s/ ;DklQ ?=!#,#&!,!!@.@( nfO{ o; cf=j= df ;dfof]hg ul/Psf] 5 . eljiodf kof{Kt s/

d'gfkmf cfh{g eO{ s/ gf]S;fgaf6 x"g cfpg] :yug s/ ;DklQnfO{ ;dfof]hg ug{ ;lsg]] s'/fdf Joj:yfkg ljZj:t 5.

-v_ DofbL hLjg / j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fjdf ePsf] d'gfkmf /sdnfO{ ut cf=j= h:t} u/L gfkmf

gf]S;fg lx;fjdf ;fl/Psf] 5 . cGo hLjg aLdfx?sf] cfo Joo lx;fjsf] Surplus /sdnfO{ hLjg aLdf sf]ifdf ;fl/Psf]

5 . aLdfÍLo d'Nof+Í0fsf] cfwf/df, hLjg aLdf sf]ifaf6 ?=!),$%),*$!.)) gfkmf gf]S;fg lx;fjdf ;fl/Psf] 5 .

-u_ sd{rf/L af]g; Joj:yf :yug s/ cfDbfgL/vr{ eGbf cl3sf] gfkmf ?= 3,48,77,155. df lgodfg';f/ ?= 31,70,650.

sd{rf/L af]g;sf] Joj:yf ul/Psf] 5 .

-3_ ljQLo ljj/0fsf] OSo"6Ldf ePsf] kl/jt{g ;DaGwL ljj/0fdf :yug s/ ;DklQnfO{ cGo hu]8fdf b]vfOPsf] 5 .

-ª_ o; cf= j= df af]g; z]o/ k|:tfj ul/Psf] 5}g .

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



cg';

"rL–#)

k|d'v ;"rsfÍx¿

qm=;

+=ljj/

)f;"r

sfÍ

cf=a

=20

70÷71

2069

÷70

2068

÷69

2067

÷68

2066

÷67

!g]^

jy{

?= 6

25,027

,294

4

60,985,63

0 4

20,704

,139

3

94,008

,138

3

76,8

91,613

@

z]o/

;+Vo

f;+Vo

f 5

,000

,000

4

,113

,000

3

,600

,000

3

,600

,000

3

,600

,000

#

k|lt

z]o/

lstf

jL d

"No?=

125

=01

112

=08

116

=86

109

=45

104

=69

$v"b

gfkmf

?= 4

3,79

1,30

2 4

0,28

1,490

2

9,39

6,00

1 1

7,11

6,52

5 1

2,454

,628

%

k|lt

z]o/

cfo

(EP

S)?=

8=76

9=79

8=17

4=75

3=4

6 ^

k|lt

z]o/

nfe

f+z (

DPS)

?= –

–

–

–

–

&

k|lt

z]o/

ahf/ d

"No (

MPP

S)?=

750

166

=00

144=0

0 1

27=0

0 –

*

d"No

cfDbfgL

cg'k

ft (

PE R

atio

)cg'k

ft 8

5=63

1

6=95

1

7=64

2

6=71

–

(

k|yd a

if{sf] aL

dfz

'Ns?=

133

,137

,471

6

9,20

2,19

5 6

8,972

,448

61,60

3,12

2 5

6,00

2,71

4

!)s'n a

Ldfz

'Ns?=

415

,050

,310

2

16,515

,231

1

61,927

,151

1

16,8

31,338

7

7,27

4,384

!!v"b

aLdfz

'Ns÷s'n a

Ldfz

'Nsk|ltz

t91

=98

98=4

9 9

8=4

9 9

8=60

98=4

2 !@

v"b

gfkmf÷

s'n a

Ldfz

'Nsk|ltz

t10

=55

18=60

18=15

14=65

16=12

!#

s'n a

Ldfz

'Ns÷s'n ;

DklQ

k|ltz

t 2

9=24

2

2=51

2

1=78

2

0=24

1

7=18

!$

nuf

gL /

shf{a

f^ c

fo÷s'n n

ufgL

/ s

hf{

k|ltz

t 8

=96

9=0

0 1

0=08

1

0=85

7=12

!%s'n n

ufgL

/ s

hf{÷

hLjg

aLdfs

f]ifk|ltz

t 1

=78

2=0

6 2

=69

3=8

1 7

=00

!^k'g

aL{df sld

zg

cfo

÷s'n k

'gaL{d

fz'Ns

k|ltz

t 7

=53

5=72

6=9

5 6

=54

6=5

0 !&

Joj:

yfkg

vr{÷s'n a

Ldfz

'Nsk|ltz

t 2

3=71

2

2=71

3

3=42

36=36

4

1=03

!*

aLdf cle

stf

{ ;Da

lGw v

r{÷s'n a

Ldfz

'Nsk|ltz

t 1

4=9

5 1

3=42

17=15

2

2=95

2

6=94

!(

aLdf cle

stf

{ ;+Vo

f;+Vo

f31

7933

32 2

,730

2

,135

1

,682

@)sd{rf/L ;+Vo

f;+Vo

f15

812

1 9

7 1

03

80

@!sfo

f{nos

f] ;+Vo

f;+Vo

f54

36 3

6 3

6 3

3 @@

sd{rf/L vr{÷Jo

j:yf

kg v

r{

k|ltz

t 4

1=22

5

4=0

3 4

3=50

4

1=87

48=20

@#sd{rf/L vr{÷sd{rf/L ;+Vo

f ?

= 2

56,765

2

19,539

2

42,69

3 1

72,675

1

91,030

@$

e'Qmfg

L x'g

aF fsL b

fjL /

sd÷

e'Qmfg

L ePs

f] bfjL /

sd

k|ltz

t 8

=34

30=

41

64=36

97=85

230

=74

@%s'n s

fod /

x]sf] aL

dfn

]vsf] ;+Vo

f;+Vo

fdf

73,822

3

9,30

1 3

3,23

8

25,92

5 1

6,10

5 @^

o; j

if{ gj

Ls/)

f ePs

f] aL

dfn

]vsf] ;+Vo

f÷ut

jif{

sfo

d

/x]sf] aL

dfn

]vsf] ;+Vo

fk|ltz

t 5

3=68

4

9=95

3

8=0

4

61=24

8

3=53

@&bfjL k/]s

f] aLd

fn]vsf] ;

+Vof÷

s'n s

fod

/x]sf] a

Ldfn

]vsf] ;

+Vof

k|ltz

t 0

=44

0=5

2 0

=27

0=18

0=0

8

@*;f]Ne]G;

L dflh

{gk|ltz

t 3

=02

1=9

4

–

–

–

@(#f]lift

af]g

; b

/?= k

|ltxh

f/?= #$ b]lv

?=^%

?=#!

b]lv

?=^)

–

–

–

#)cGt

l/d a

f]g; b

/?= k

|ltxh

f/ ?=#$ b]lv

?=^%

?=#! b]lv ?=^)

–

–

–



cg';

"rL–#!

aLdfÍsf] ljj/0f

qm=;+=

aLdfs

f] lsl

;d

sfod

/x]s

f] aLd

fn]vs

f] ;+Vo

fsf

od /

x]sf] a

Ldfn

]vsf] c

Gtu{t

hDdf

aLdfÍ

;d o

f6 l/:

s

(Sum

at R

isk)

k'gaL{d

snfO{

x:tfGt

/0f u

l/Psf

] ;d

of6

l/:s

(Sum

at R

isk)

aLdsn

] wf/0

f u/]s

f] ;d

of6 l/

:s

(Sum

at R

isk)

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

!;f

jlws

hLjg

aLdf

40,37

033

,235

9,63

9,82

9,68

89,01

8,06

3,700

9,38

1,096

,088

8,75

9,33

0,10

04,

494,

773,3

334,15

4,15

2,345

4,88

6,322

,755

4,60

5,17

7,75

5

@cl

u|d e

'QmfgL ;

fjlws

hLjg

aLd

f3,3

302,49

81,0

05,8

30,000

800,88

0,00

099

7,05

2,00

079

2,10

2,00

057

6,010

,250

436,4

71,500

421,0

41,750

355,63

0,50

0

#?k

fGtl/t

;fjlws

Pj+ c

fhLjg

hLjg

aLd

f4,

702

3,564

1,476

,960

,000

1,228

,880

,000

1,470

,824

,500

1,222

,744

,500

830,18

2,50

069

4,60

6,250

640,64

2,00

052

8,13

8,25

0

$j}b

]lzs

/f]huf

/ Do

fbL h

Ljg

aLdf

25,4

16–

12,70

8,00

0,00

0–

12,708

,000

,000

–5,08

3,200

,000

–7,62

4,80

0,00

0–

%Do

fbL h

Ljg

aLdf

44

52,940

,000

12,240

,000

52,940

,000

12,240

,000

39,64

0,00

010

,740

,000

13,30

0,00

01,5

00,000

hDdf

73,8

2239

,301

24,8

83,55

9,688

11,06

0,063

,700

24,60

9,912

,588

10,7

86,4

16,60

011,

023,8

06,08

35,2

95,97

0,095

13,58

6,106

,505

5,490

,446

,505



Joj:yfkg k|ltj]bgkl/lzi6–!

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

! ;+:yfkgf ldlt M o; sDkgL g]kfn ;/sf/, sDkgL /lhi6«f/sf] sfof{nodf ldlt @)^$÷)#÷!*÷@ df ljlwjt btf{ ePsf] 5 .

@ sDkgL btf{sf] k|df0fkq kfPsf] ldlt M sDkgLn] aLdf ;ldltaf6 @)^$÷!@÷)^ df g]kfn leq hLjg aLdf sf/f]jf/ ug{ Ohfht k|fKt

u/]sf] 5 .

# sDkgLn] cg'dlt kfPsf] aLdf Joj;fosf] lsl;d / k|sf/ M hLjg aLdf

$ sDkgLn] ldlt @)^%÷)!÷!! b]lv Joj;fo k|f/De u/]sf] xf] .

% cGo cfjZos ljj/0f g/x]sf] .

-v_ sDkgLsf]] ;+rfns ;ldltn] k|dfl0ft u/]sf a'Fbfx?M ! aLdf Joj;fo ug{ aLdf ;ldltaf6 hf/L ePsf] k|df0f kqsf] j}Btf sfod /x]sf] 5 .

aLdf P]g tyf lgodfjnL cg';f/ k|df0f kq gljs/0f eO;s]sf] / aLdf P]g @)$( sf] bkmf !! -s_ jdf]lhdsf] cj:yf g/x]sf]n] k|df0f

kqsf] a}wtf sfod /x]sf] .

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

;ldltnfO{ a'emfpg' kg]{ ;]jf z'Ns aLdf lgodfjlndf Joj:yf eP cg';f/ Dofb leq} e'QmfgL ul/g]5 .

# sDkgLsf] z]o/ :jfldTjsf] ;+/rgf, To;df ePsf] x]/k]m/sf] ljj/0f tyf sfod /x]sf] ;+/rgf k|rlnt sfg"gL Joj:yf cg'?k /x]sf] 5 .

$ aLdfÍLo d"NofÍg eO ;s]sf] / ;f]Ne]G;L dflh{g jfkt kof{Kt /sd ePsf]n,] ;f]Ne]G;L dflh{g jfkt s'g} /sdsf] Joj:yf ul/Psf] 5}g .

aLdfÍLo d"NofÍg kZrft ;ldltn] tf]lslbP adf]lhdsf] ;f]Ne]G;L dflh{g (Solvency Margin) sfod ul/Psf]] 5 .

% -s_ ;Dk"0f{ ;DklQx?sf] jf;nftsf] ldltsf] d"No jf:tljs ?kdf k|fKt x'g ;Sg] d"No÷ahf/ d"No eGbf a9L g/x]sf] .

-v_ a'Fbf -s_ adf]lhdsf] ;DklQsf] d"No t'ngf Historical Cost af6 x|f; s§L (WDV Method) 36fO{ ul/Psf] 5 .

sDkgLn] a}s tyf ljQLo sDkgLx?sf] d'2tL vftf, z]o/ nufgL tyf cGo Jofh k|fKt x'g] vftfx?df u/]sf] nufgLx? k|rlnt ``aLdf P]g

lgodfjnL tyf aLdf ;ldltn] tf]lsP adf]lhd ul/Psf] 5 .

^ sDkgLnfO{ cfO{ kg{ ;Sg] ;Dk"0f{ hf]lvdx? lg/fs/0fsf nflu c08//fOl6ª gLlt, k'gjL{df gLlt, nufgL gLlt, sd{rf/Lx?sf] b'3{6gf aLdf,

l:y/ ;DklQx?sf] aLdf ug]{ gLltx? cjnDag ul/Psf 5g .

& sDkgLsf] g]kfn aflx/ sfof{nox? g/x]sf] .

* o; cf=j=df s'n #@# j6f bfjL km5\of}{6 ePsf] / * j6f bfjL km5\of}{6 ug{ af+sL /x]sf] 5 .

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

/ aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{zg @)^% -t]>f] kl/dfh{g_ sf] !(=! v sf] :kli6s/0f cg';f/ a}b]lzs /f]huf/ DofbL hLjg

aLdf Joj;fosf] ;dfg'kflts c;dfKt hf]lvdsf] Joj:yf ubf{ dlxgfsf] lx;fjn] ul/Psf] 5 . ljQLo ljj/0f tof/ ubf{ k|rlnt aLdf P]g,

@)$( aLdf lgodfjnL, @)$( / ;f] cGtu{t hf/L ul/Psf aLdf ;ldltsf] cfb]z jf lgb]{zg, sDkgL P]g @)^# tyf cGo sfg"gx? tyf

n]vfdfg, n]vfsf] l;4fGt / gLltx? kfngf ul/Psf] pb\3f]if0f ub{5f} .

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

Plsg u/]sf] 5 .

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

lrq0f ub{5 .

!! sDkgLsf] ;+rfns ;ldltn] sDkgLsf] ;DklQsf] ;'/Iffsf] nflu tyf hfn;fhL jf cGo clgoldttf kQf nufpg / /f]Sgsf nflu pko'Qm

/ kof{Kt Joj:yf u/]sf] 5 .

!@ sDkgLn] æGoing Concern BasisÆ df cfˆgf] ljQLo ljj/0f tof/ u/LPsf] 5 .

!# Joj;fosf] k|s[lt cg'?ksf] cfGtl/s n]vf k/LIf0f afXo n]vf k/LIfsaf6 cf=j= @)^%.^^ b]lv ;'? ul/Psf] / ;f] k|efjsf/L /x]sf] 5 .

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

tyf sDkgLsf] ;+rfns jf ;+rfnssf] :jfy{ /x]sf] ;+:yf;+u sf/f]af/ ul/Psf] 5}g .

!% h'g aif{sf] aflif{s k|ltj]bg tof/ ul/Psf] xf] ;f] aif{df aLdf ;ldltn] aLdsnfO{ s'g} b08 hl/jfgf tf]s]sf] 5}g .

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



aLdf ;ldltsf] ldlt @)&@.)%.!& sf] kqaf6 sDklgsf] cf=j @)&).&! sf] ljlQo ljj/0f :jLs[t ubf{sf zt{x? pk/ sDkgLsf] hjfkm .

-!_ sDkgLn] clestf{x?nfO{ k|bfg u/]sf] C0f tyf ;fk6L /sd c;'n ug]{ tkm{ sDkgL ;b}j ;r]t /xL /x]sf] / ;f]xL cg'?k sfo{ ul//x]sf] ;fy} cl3Nnf] cf=j -)&).&!_

sf] t'ngfdf o; cf=j )&!.&@ df sDkgL ;r]t /xL clestf{ C0f ;fk6L sd k|jfx u/]sf] / c;'n pk/ ug]{ sfo{nfO{ k|fyldstf lbPsf] Aoxf]/f cjut u/fpb5f} .

/ eljiodf ;d]t clestf{ C0fnfO{ cem Aoj:yLt agfpb} nlug] 5 .

-@_ sDkgLsf] Aoj:yfkg vr{ 36fpg] tkm{ Joj:yfkg ljz]if ;ls|o /x]sf] hfgsf/L u/fpb}, cfufdL cf=j sf] Aoj:yfkg vr{ df aLdf ;ldltaf6 hf/L ul/Psf] lgb]{zgsf]

kl/lw leq /xL Aoj:yfkg vr{ ug]{ hfgsf/L u/fpb5f} .

-#_ k"0f{ ljj/0f gv'n]sf] aLdfz'Ns ljut aif{x?eGbf sd x'b} uPsf] / eljiodf klg To:tf] /sd nfO{ ;dod} klxrfg u/L cfDbfgL afWg Aoj:yfkg ;b}a ;hu /x]sf]

k|ltj¢tf Aotm ub{5 .

-$_ sDklgsf] ;du| hf]lvdx?sf] klxrfg u/L ;f]sf] Aoj:yfkgnfO{ ;do ;dodf ljZn]z0f u/L hf]lvd Aoj:yfkg NffO{ k|efjsf/L agfO{g] 5 .

-%_ sDkgLn] lhG;L ;fdfg tyf ;]jf vl/b ubf{ ldtAooL tyf kf/bzL{ ?kdf ug]{ ul/Psf] Aoxf]/f caut u/fpb5f}+ / elaiodf o;nfO cem k|efjsf/L agfOg] k|ltj¢tf

Aotm ub{5f} .

-^_ sDkgLn] ;+rfnssf] ljlQo :jfy{ EfPsf] a}+s tyf ljlQo :f+:yfdf ;ldlt af6 hf/L lgb]{zg pk/fGt To:tf a}s tyf ljlQo :f+:yfdf nufgL g/x]sf / eljiodf ;d]t

nufgL gul/g] Aoxf]/f hfgsf/L u/fpFb5f} .

-&_ aLdf ;ldlt af6 hf/L aLdssf] ;+:yfut ;'–zf;g ;DjGwL lgb]{lzsf k"0f{ ?kdf kfngf ul//x]sf] / cufdL lbgx?df ;d]t kfngf ul//xg sDkgL k|lta¢ /x]sf] 5 .

-*_ sDklgsf] jflif{s ;fwf/0f ;ef ;ldltn] ljlQo ljj/0f :jLs[t u/]sf] ldltn] $% lbg leq ul/g]5 .

-(_ cfGtl/sf n]vf kl/Ifsn] cf}NofPsf s}lkmotx? ;'wf/ ug{ / lgoGq0f k|0ffnL ,;'–zf;g tyf lbUb{zg cflb k|efjsf/L jgfO cfjZos Aoj:yf u/L sfo{ ;+Grfng

u/L /x]sf] Aoxf]/f hfgsf/L u/fpb5f} .



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

o; of]hgf cGtu{t aLdf ubf{ clgjfo{ art / cfˆgf] kl/jf/sf] ;'vb eljiosf nflu cfly{s 6]jf k|fKt x'G5 . of] hLjg aLdf

of]hgfn] aLldt lhljt /x]sf] jf g/x]sf] b'j} cj:yfdf cfly{s 6]jf k|bfg ub{5 . of] of]hgfdf b'3{6gf nfe tyf c+ue+u la?4sf] nfe

;d]tsf] aLdf lglZrt zt{x?sf] clwgdf /x]/ ug{ ;lsG5 .

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

o; aLdf of]hgfdf aLldtx?sf] cfjZostf kl/k"lt{sf] nflu aLdfsf] rfn' cjwL leq} k"j{ 3f]if0ff ul/Psf] aLdfÍ tf]lsPsf] ;do

cGt/df e'QmfgL lbg] egL ul/Psf] s/f/ /sdsf] lglZrt k|ltzt /sd aLldtnfO{ lkmtf{ x'G5 . of] of]hgf !% / @) aif]{ cjlwdf

nfu" x'G5 .

aLdf nfe tflnsf

aLdf k|f/De ePsf] ldltn] !% aif]{ of]hgf @) aif]{ of]hgf% aif{ kl5 aLdfÍsf] #)Ü aLdfÍsf] @)Ü

!) aif{ kl5 aLdfÍsf] @)Ü aLdfÍsf] @)Ü

!% aif{ kl5 aLdfÍsf] %)Ü ± cflh{t af]g; aLdfÍsf] @)Ü

@) aif{ kl5 – aLdfÍsf] $)Ü± cflh{t af]g;

o; aLdfn]vdf aLdf cjwL leq olb s'g} klg sf/0faf6 aLldtsf] d[To' ePdf d[To' eGbf cuf8L ls:tfaGbLdf e'QmfgL ul/;s]sf]

aLdfÍnfO{ u0fgf gu/L ztk|ltzt aLdfÍ / ;dfg'kflts cfh{g u/]sf] af]g; aLdfn]vdf O{R5fPsf] JolQmnfO{ e'QmfgL ul/G5 .

;"of{ ;+/lIft -;fjlws_ hLjg aLdf of]hgf / ;"of{ cfzfwg -clu|d e'QmfgL_ hLjg aLdf of]hgfsf yk ;'ljwfx? M

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

afnaflnsf aLdf of]hgfx? (Child plan )

cfhsf afnaflnsfx? Eff]nLsf s0f{wf/ x'g\ . logLx?sf] kfng kf]if0f tyf lzIff, lbIff / eljio k|lt ;hu /xL ;"of{ nfOkm OG:of]/]G;n]

afnaflnsf aLdf of]hgf k|:t't u/]sf] 5 . hxfF tkfO{sf gfgLx?n] cfˆgf] eljio ;'gf}nf] cIf/ sf]l/Psf] / pHofnf] eljio ePsf]

kfpg] 5g\ . ef]lnsf lbgdf ;GttLx?sf] pRr lzIff cWoog ug{ plgx?n] rfx]sf] OlGhlgol/Ë, 8fS6/, rf6{8 PsfpG6]06, gl;{Ë, tyf

cGo laifox? k9\g rflxg] /sdsf] ;'lglZrttf ug{ cfh} b]lv afn aLdf u/L ;Gtfgsf] ;'gf}nf] eljio ;'lglZrt ug{ ;Sg'x'g]5 .

;fy} laxfjf/L nflu o; aLdf of]hgfn] e/k'/ 6]jf k|bfg ug]{5 .

afn aLdf of]hgfx?M

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

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

cltl/Qm ;'ljwf M

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

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

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

hLjgsf x/]s kn kl/jf/ ;u} afF8\g] ul/G5, kfl/jfl/s ;xof]un] g} dflg;n] cfˆgf] nIo tyf pknAwL k|fKt ub{5 . ;fy} kfl/jfl/s

v';L cfˆgf] v';L x'g cfpF5 . To;}n] æhLjg /xFbf klg / hLjg kZrft klgÆ kfl/jfl/s ;'/Iff / ;'lglZrttfsf nflu ;"of{ nfOkmn]

ætkfO{ kl/jf/sf] ;fy, ;"of{ nfOkm tkfO{sf] ;fyÆ eGb} ;"of{ ;'bz{g ;fjlws Pj+ cflhjg aLdf of]hgf k|:t't u/]sf] 5 .

aLdf cjlw;Dd aLldt lhljt /x]df aLdfÍ /sd / lgodfg';f/sf] af]g; aLldt cfkm}n] k|fKt ug{ ;Sg]5 eg] aLdf ;dofjlw kZrft

yk s'g} z'Ns glt/Lsg d[To' gx'Gh]n ;Dd aLdfn]v rfn' /lx/xg]5 . aLldtsf] d[To' ePdf d[To' kZrft km]/L aLdfÍ a/fa/sf] /sd

aLldtsf] kl/jf/n] jf O{R5fPsf] JolQmn] k|fKt ug]{5 .



cltl/Qm yk ;'ljwf

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

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

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

of] of]hgfsf nfluM

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

kg]{5 .

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

;"of{ ;fd"lxs ;fjlws aLdf of]hgf (Surya Group Endowment Policy with Profi t)

;x'lnot aLdfz'Ns b/df tof/ kfl/Psf] nfe ;lxtsf] of] ;fd"lxs aLdf of]hgf s'g} klg ;+ul7t ;+:yf, sDkgL, k|lti7fgsf

sd{rf/Lx? jf ;b:ox?sf] hLjg aLdfsf] nflu pknAw x'g]5 .

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

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

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

ug{ ;lsg] .

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

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

o; of]hgf cGtu{t Ps} k6s jf l;ldt cjwL ;Dd dfq aLdfz'Ns e'QmfgL u/L lgwf{l/t ul/Psf] aLdf cjwL ;Ddsf] aLdf /Iffj/0f

nfe tyf af]g; k|fKt ug{ ;lsG5 . of] of]hgfdf ?= #) nfv ;Ddsf] bf]xf]/f] b'3{6gf nfe tyf c+ue+u lj?4sf] nfe k|bfg ul/Psf] 5 .

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

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

aLdf ;+rfngdf 5 .

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

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

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

• aLldtsf] d[To' ePsf] cj:yfdf Psn aLdfz'Ns e'QmfgLsf] xsdf aLdfÍsf] @=% -c9fO{_ u'0ff tyf cGo aLdfz'Ns e'QmfgL

tl/sfdf zt\k|ltzt aLdfÍ / lgodfg';f/ af]g; e'QmfgL x'g] .

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

• aLdfÍ lkmtf{ ul/g] tl/sfM

aLdf k|f/De ePsf] ldltn] !% aif]{ of]hgf @) aif]{ of]hgf @% aif]{ of]hgf $ aif{ kl5 aLdfÍsf] #)Ü aLdfÍsf] @%Ü aLdfÍsf] @)Ü

* aif{ kl5 aLdfÍsf] #)Ü aLdfÍsf] @%Ü aLdfÍsf] @)Ü

!@ aif{ kl5 aLdfÍsf] $)Ü aLdfÍsf] @%Ü aLdfÍsf] @)Ü

!% aif{ kl5 cflh{t af]g; aLdfÍsf] @%Ü aLdfÍsf] @)Ü

!* aif{ kl5 – – aLdfÍsf] @)Ü

@) aif{ kl5 – cflh{t af]g; –

@% aif{ kl5 – – cflh{t af]g;

• ?= #) nfv ;Ddsf] b'3{6gf nfe tyf c+ue+u la?4sf] nfe k|fKt ug{ ;lsg] .




skf{]/]6 sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/g, 1fg]Zj/, sf7df8f}+

tLg dxn] ljj0f

ldlt @)&@÷)^÷@@ ut] x'g] ;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] ;ftf}} aflif{s ;fwf/0f ;efdf k]z x'g] k|aGwkqsf] bkmf ^-s_, ^-v_, ^-u_ tyf lgodfjnLsf] lgod #! -!_ / #!-@_ ;+u ;DalGwt ;+;f]wg k|:tfj

k|aGwkq tk{msf] ;+zf]wgbkmf xfnsf] Joj:yf ;+zf]wg x'g] k|:tfj ;+zf]wgsf] cf}lrTotf^ -s_ sDkgLsf] clws[t k"h+L ?= %),)),)),))).–

-krf; s/f]8_ x'g]5 . ;f] k"+hLnfO{ k|lt z]o/

?= !)) sf b/n] %),)),))).– -krf;

nfv_ yfg z]o/df laefhg ul/Psf] 5 .

sDkgLsf] clws[t k"h+L ?= @,)),)),)),))).–

-b'O{ ca{_ x'g]5 . ;f] k"+hLnfO{ k|lt z]o/

?= !)) sf b/n] @,)),)),))).–-b'O{ s/f]8_

yfg z]o/df laefhg ul/Psf] 5 .

sDkgLsf] clws[t k"+hL a[l4

u/L sDkgLsf] cfly{s ;Ifdtf

clea[l4 ug{ cfjZos ePsfn] .

^ -v_ sDkgLn] tTsfn hf/L ug]{ z]o/ k'+hL

?= %),)),)),))).– -krf; s/f]8_ x'g]5 .

;f] r'Qmf k'+hLnfO{ k|ltz]o/ ?= !)).– sf

b/sf %),)),))).– -krf; nfv_ yfg

;fwf/0f z]o/df ljefhg ul/Psf] 5 .

sDkgLn] tTsfn hf/L ug]{ z]o/ k'+hL

?= ^@,%),)),))).– -a};¶L s/f]8 krf; nfv_

x'g]5 . ;f] r'Qmf k'+hLnfO{ k|ltz]o/ ?= !)).– sf

b/sf ^@,%),))).– -a};¶L nfv krf; xhf/_

yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

;ftf}+ aflif{s ;fwf/0f ;efaf6

$M! cyf{t $ a/fa/ ! xsk|b

z]o/ k|bfg ug]{ eP adf]lhd

sDkgLsf] hf/L k'+hL a[l4 ug{

cfjZos ePsfn] .

^ -u_ sDkgLsf ;+:yfksx?n] tTsfn r'Qmf ug{

sjf]n u/]sf] k"+hL ?= #%,)),)),))).–

-k}lt; s/f]8_ tyf ;j{;fwf/0faf6

?= !%,)),)),))).– -kGw| s/f]8_ x'g]5 .

sDkgLsf ;+:yfksx?n] tTsfn r'Qmf ug{ sjf]n

u/]sf] k"+hL ?= $#,&%,)),))).– -lqrfln;

s/f]8 krxQ/ nfv_ tyf ;j{;fwf/0faf6

?= !*,&%,)),))).– -c7f/ s/f]8 krxQ/

nfv_ u/L hDdf ?= ^@,%),)),))).– -a};¶L

s/f]8 krf; nfv _ x'g]5 .

;ftf}+ aflif{s ;fwf/0f ;efaf6

$M! cyf{t $ a/fa/ ! xsk|b

z]o/ k|bfg ug]{ eP adf]lhd

sDkgLsf] r'Qmf k'+hL a[l4 x'g]

ePsfn] .

lgodfjnL tk{msf] ;+zf]wgbkmf xfnsf] Joj:yf ;+zf]wg x'g] k|:tfj ;+zf]wgsf] cf}lrTotf

#! -!_ ;d"x æsÆ ;+:yfks z]o/wlgx?

dWo]af6 % -kfFr_ hgf

;d"x æsÆ ;+:yfks z]o/wlgx? dWo]af6

$ -rf/_ hgf .

sDkgLdf ;+rfnsx?sf] æsÆ

;d"x cGtu{tsf] z]o/ :jfldTjsf

cfwf/df k|ltlglwTj cg'kft

ldnfpg cfjZos ePsfn] .

#!-@_ ;d"x ævÆ ;j{;fwf/0f z]o/wlgx?

dWo]af6 ! -Ps_ hgf .

;d"x ævÆ ;j{;fwf/0f z]o/wlgx? dWo]

af6 @ -b'O{_ hgf .

sDkgLdf ;+rfnsx?sf] ævÆ ;d"x

cGtu{tsf] z]o/ :jfldTjsf cfwf/df

k|ltlglwTj cg'kft ldnfpg cfjZos

ePsfn] .



gf]6M

Premium Income for the FY 2070-71

EndowmentLife PolicyLife

Endowment &Whole Life

policy10%

Foreign TermLife Policy

15%

Term Life Policy0.05%

-

200

400

600

800

1,000

1,200

1,400M

illio

ns

Total Turnover

Investment

Comparative Growth Trend of Turnover & Investment

67%Moneyback

Policy8%

sDkgLsf pTs[i6 clestf{x?sf] dn]l;of tyf l;+ufk'/ e|d0f -$–( k]ma|'c/L, @)!%_

ctkfO{+sf] eljio xfd|f] cleef/f


!!

@@ **

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% ^ & * /fs]z kf]v/]n lbg]z cdfTo clelht s]=;L= O{Zj/ s'df/ ;]8fO{ ;xfos dxfk|aGws ;xfos dxfk|aGws hf]lvdfÍg ljefu sDkgL ;lrj, bfjL ljefu

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

skf{]/]6 sfof{norf6{8{ 6fj/, rf}yf] tNnf, ;fgf]uf}r/g, 1fg]Zj/, sf7df08f}, g]kfn, kf]i6 aS; gDa/ !%!@!

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

sfof{no k|d'v tyf If]qLo sfof{nox¿

lbg]z v8\sf– sf7df8f}+, )!—$$@##*@ ;'o{ k|sfz u'Ktf– la/uGh, )%!—%@))%@ lbg]z v8\sf– ;'v]{t, )%#—%@$!%^

sfof{no k|d'v tyf zfvf sfof{nox¿

xl/ /fh kf08], la/f6gu/, )@!–%#$#!^ /fdbQ e§, dx]Gb|gu/, )((–%@)$!) jL/ l;+x dx/f, wgu8L, )(!–%@%#!#

ldg axfb'/ lh;L, kf]v/f, )^!—%#*$&@ ;'lgn kf]v/]n, a'6jn, )&!—%$!&)$ ;Gtf]if l;njfn, ag]kf, )!!—^^!*%$

;'lznf lrqsf/, x]6f}8f, )%&—%@^*$% ljgo rGb| nfn s0f{, hgsk'/, )$!—%@*@&& gf/fo0f axfb'/ sfsL{, xl/jg , )$^—%#)^)(

u0f]z g]uL, g'jfsf]6, )!)—%^!&%$ k|ldnf k/fh'nL, eQmk'/, )!—%)(@*@) lai0f' 9sfn, l;Gw'nL, )$&—%@!)&!

:j:yfgL s'Fj/, rl/sf]6, )$(—$@!()* /fd' cof{n, jflnË, )^#—$$)^(! k'Go k|;fb nfld5fg], ;'Vv8, )(!—$)#@@@

glag /fh v/]n, 8f]6L, )($—$!@)!* ;'/]z ;fx, ldr}{of, )##—%%)^&% dlgt s'df/ rf}w/L, nfxfg, )##—%^!^($

k|lbk clwsf/L, bds, )@#—%*%$@# /fd axfb'/ vqL, O{6x/L, )@%—%*&##( ly/ axfb'/ >]i7, w/fg , )@%—%##(#%

kfj{tf kf08] - ;Dk{s AolQm_, t]x|y'd, )@^—$^)&)* nf]s]Gb| clwsf/L, O{nfd, )@&—%@!&*@ pd]z s'df/ s0f{, ufO{3f6, )#%—$@!@(!

ho axfb'/ s'Fj/, a}t8L, )(%—%@)%$$ pld{nf 9sfn, gf/fo0fu9, )%^—%@&%&$ rGb|| axfb'/ lai6, 88]nw'/f, )(^—$!))&@

hubLz e§, cQl/of, )(!—%%)@#& ldng kf}8\ofn, afUn'Ë, )^*—%@#)!) hgfb{g kf}8]n, bfË, )*@—%^#!#^

k'ikf cof{n, e}/xjf, )&!—%@^(*) a'4 axfb'/ ;'o{j+zL, kfNkf, )&%—%@@&^( Zofd k|;fb ;'a]bL, tf}nLxj+f, )&^—%^)$&&

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zld{nf /fgf du/ - ;Dk{s AolQm_, ef]n]{6f/, )^^—$!)!#@ ddtf If]qL -;Dk{s AolQm_, a];L;x/, )^^—%@!#%) piff rfkfufO{, s'Zdf, )^&—$@!@^$

;'lznf vltj8f, kf6g, )!—%%@*@@@ 6f]k axfb'/ /fgf du/, sfjf;f]tL, )&*—%$!)!^ /fh]z zdf{, uf]+ua' -a;kfs{_, )!—$#*$()%

hgs km'ofn, tfxfrn, )!—$)#)^%) g/]z bQ e§, bfr{'nf, )(#—$@)$$) e]if /fh s§]n, wgs'6f, )@^—%@!^$)

;'/h sfk\mn], Og?jf, )@%—%^!($# x/]/fd ;fx, tfKn]h'Ë, )@$—$^!)!(

cGo sfof{no tyf sfof{no k|d'vx¿

sdn hf]zL– alb{of, )*$—$@)$^^ ld7' yfkf– Affx«la;], )!!—$*(#@( lbns]Zj/ ltjf/L– dn+ujf, )$^—%@!^()

s[i0f s'df/L v8\sf– b}n]v, )*(—$!))!^ lbks jnL– sf]xnk'/, )*!—%$@)@( lg/Ghg zdf{– hfh/sf]6,)*(—$#)#)*

rGb| b]j ofbj– /fhla/fh,)#!—%@!)&& ejfg l;x e08f/L– /fd]5fk zlz/fd /fpt– ?s'd

dx]Zj/ sfdtL– l;/xf, )##—%@!@)* ;'dg k|;fb ltldlN;gf– l6sfk'/, )(!—%^!$)$ t'n;L b]jsf]6f– nDsL

g/]z l;Ub]n– ab{3f6, )&*—%*)%&) 8Dj/ axfb'/ rGb– s6f/L, )#%—$%)#%$ Nffnaxfb'/ vqL– h'Dnf

lji0f' k|;fb nD;fn– /fdk'/ - kfNkf_, h'gf s'Fj/– u'NdL, )&(—%@)*$@ k|]d k|;fb jnL, ;Nofg

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