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sDkgL P]g, @)^# cGtu{t :yflkt

a}+s tyf ljQLo ;+:yf ;DaGWfL P]g, @)&# adf]lhd sfdsf/f]jf/ ug{]

g]kfn /fi6« a}+saf6 Æsæ ju{sf] Ohfht kq k|fKt ;+:yf

s]Gb|Lo sfof{noM cnsfk'/L,gS;fn, sf7df08f}

kmf]g g=+ $$@*(&(÷*) km\ofS; g++ $$@*(^(

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hf/L ug{sf nflu k|sflzt

ljj/0f—kq

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

bz jif{ cjlw tyf jflif{s !) k|ltzt Jofhb/ ePsf ?=@ ca{ a/fa/sf] k|lt C0fkq ?=!,))).– c+lst

d"Nosf @),)),))) lsQf dWo] $ nfv lsQf l8a]Gr/n] x'g cfpg] s'n ?= $) s/f]8 C0fk"FhL /sd -%Ü

cyf{t @),))) lsQf ;fd'lxs nufgL sf]ifsf nflu 5'§ofO{Psf] ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu, ;fj{hlgs

lgisfzg af6 laqmL ul/g] .

b/vf:t;fy k|lt C0fkq ?= !)))÷— sf b/n] ztk|ltzt e'QmfgL dfu ul/Psf] .

o; laj/0f dfk{mt lgisfzg x'g] C0fkq a+}ssf] ;DklQ ;'/If0f g/fvL lgisfzg ul/Psf] c;'/lIft C0f -

Unsecured Debt) ePsf] / sy+sbflrt a+}s 6f6klN6Pdf lgIf]kstf{ eGbf kl5 dfq e'QmfgLdf k|fyldstf

x'g] u/L lgisfzg ul/Psf] ;xfos C0f -Subordinated Debt) ePsf] xFbf k|rlnt sfg"gn] k|bfg u/]sf]

afx]s sDkgLsf] ;DklQdf C0fkqjfnfsf] s'g} lglb{i6 xs -Specific Charge) clwsf/ x'g] 5}g .

lgodg lgsfosf] hjfkmb]xLtf g/xg] pb\3f]if0f M

o; ljj/0fkqdf pNn]lvt lwtf]kq ;fj{hlgs lgisfzgsf nflu tof/ ul/Psf] o; ljj/0fkqnfO{ lwtf]kq

;DaGwL sfg"g adf]lhd g]kfn lwtf]kq af]8{n] :jLs[lt k|bfg u/]s]f 5 . o;/L af]8{n] ljj/0fkqdf :jLs[lt k|bfg

u/]sf] sf/0faf6 s;}n] klg g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no jf ;Da4 cGo lgodg lgsfon]

ljj/0fkqdf pNn]lvt s'/fsf] ;Totf jf lgisfzgstf{ jf kl/of]hgfsf] cfly{s ;Ifdtfsf] af/]df s'g} k|sf/sf]

k|Tofe"t u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g .

qm]l86 /]l6Ë ;DalGw ljj/0f M

o; a}+sn] hf/L ug{ nfu]sf] C0fkqnfO{ O{qmf g]kfn lnld6]8n] Go"g shf{ hf]lvd (Low Credit Risk) hgfpg]

'[ICRANP] LA-' u|]l8Ë ldlt @)&%÷)#÷!) df k|bfg u/]sf] 5 . ;fy} o; a}+snfO{{ O{qmf g]kfn lnld6]8n]

“[ICRANP] A-“ u|]l8Ë k|bfg u/]sf] 5, pQm qm]l86 /]l6Ë k|fKt ;+:yfnfO{ ;dodf ljQLo bfloTj k'/f ug]{ tyf sd shf{

hf]lvd cf}ift /xg] ;+:yfsf] /mkdf lnO{G5 .

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

sDkgL /lhi6«f/sf] sfof{nodf ljj/0fkq btf{ ePsf] ldlt M @)&%÷)& ÷)*

lgisfzg v'Nnf x'g] ldlt M @)&%÷)&÷#) lgisfzg aGb x'g] ldlt -l56f]df_ M @)&%÷)*÷)$

lgisfzg aGb x'g] ldlt -l9nf]df_ M @)&%÷)(÷)!

lwtf]kq lgisfzg tyf laqmL k|aGws M

sf7df08f} Knfhf, jfO Anfs, b|f]/f] tNnf, sdnfbL,sf7df08f},

kmf]g g= $!^*^#$, $!^*^#(, URL: kcml.com.np

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

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

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

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

ul/G5 .

mailto:[email protected]

mailto:[email protected]

2

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

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

cGtu{t k|sflzt ljj/0fx? ePsf] o; k'l:tsfnfO{ ;Demg' kb{5 .

v_ ælwtf]kq lgisfzg tyf laqmL k|aGwsÆ eGgfn] sf7df08f} Soflk6n dfs]{6 lnld6]8nfO{ ;Demg'

kb{5 .

u_ æsDkgL÷;+ul7t ;+:yfÆ eGgfn] lgisfzgstf{ sDkgL÷;+ul7t ;+:yf ;flgdf a}+s lnld6]8nfO{

;Demg' kb{5 .

3_ æ;+sng s]Gb|Æ eGgfn] ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] ljj/0fkq / b/vf:t kmf/fd k|fKt

ug{ ;lsg] tyf b/vf:t kmf/fd ;fy /sd a'emfpg ;lsg] u/L tf]lsPsf ;+:yfx?nfO{{ ;Demg' kb{5 .

ª_ ælgisfzg a}+sÆ eGgfn] ;fj{hlgs lgisfzgaf6 ;+sng x'g cfPsf] /sdnfO{ hDdf ug{sf] nflu

tf]lsPsf] jfl0fHo a}+snfO{ ;Demg' kb{5 .

r_ ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no tyf g]kfn /fi6« a}+snfO{

;Demg' kb{5 .

5_ æ;+:yfks, ;~rfns, sfo{sf/L k|d'v tyf Aoa:yfkgÆ eGgfn] ;flgdf a}+s lnld6]8sf] ;+:yfks,

;~rfns, sfo{sf/L k|d'v tyf Aoj:yfkgnfO{ ;Demg' kb{5 .

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

em_ æcfwf/e"t z]o/wgLÆ eGgfn] sDkgLsf] r'Qmf k"FhLsf] ! k|ltzt eGbf a9L z]o/ wf/0f u/]sf

z]o/wgL nfO{ ;Demg' kb{5 .

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

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

!= sf7df08f} Soflk6n dfs]{6 lnld6]8,sdnfbL,sf7df08f} .

@= ;flgdf a}+s lnld6]8, cnsfk'/L,gS;fn, sf7df8f}+sf ;fy} ;Dk"0f{ zfvf sfof{nox? .

# C-ASBA ;]jfdf ;xefuL ;Dk"0f{ a}+s tyf ljQLo ;+:yf / tLgsf zfvf sfof{nox/m .

;fy} lgisfzg tyf lalqm k|aGws sf7df08f} Soflk6n dfs]{6 lnld6]8 sf] j]e;fO6 www.kcml.com.np

tyf lgisfzgstf{ sDkgL ;flgdf a}+s lnld6]8 sf] j]e;fO6 www.sanimabank.com jf g]kfn lwtf]kq

af]8sf] j]e;fO6 ;d]t df ljj/0f k|q x]g{ ;lsg]5 .

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3

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xfdLnfO{ lgisfzgstf{ ;+ul7t ;+:yf tyf o;sf ;+:yfks÷;+rfnsx?n] pknAw u/fPsf] ljj/0f tyf

hfgsf/Lx?sf] cfwf/df o; sDkgLsf] Joj:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds

cWoogaf6 xfdL ;Gt'i6 x'g'sf] ;fy} ljj/0fkqdf n]lvPsf cfly{s ljj/0fx? / cGo hfgsf/L tYout,

k"0f{ / ;xL b]lvPsf]n] nufgLstf{x?nfO{ nufgL ;DaGwL lg0f{o lng d2t k'Ug] s'/fk|lt ljZj:t eO{

xfdLn] of] ljj/0fkq :jLs[ltsf nflu g]kfn lwtf]kq ;DawL P]g, @)^# / lwtf]kq btf{ tyf lgisfzg

lgodfjnL @)&# cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq (Due Deligence Certificate) k|:t't u/]sf 5f}+ .

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

s= ;+rfnsx?sf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M

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

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

ljj/0f, hfgsf/L tyf sfuhftx?sf] ;Totf / z'4tf k|lt / lwtf]kq btf{ tyf lgisfzg cg'dlt

k|of]hgsf nflu g]kfn lwtf]kq af]8{df k]z ul/Psf] ljj/0fkq / ;f];Fu ;DalGwt cGo ljj/0f tyf

hfgsf/Lx?sf] z'4tf tyf ;Totfk|lt o; ljj/0fkqdf x:tfIf/ ug]{ xfdL ;+rfnsx? JolQmut jf

;fd"lxs ?kdf hjfkmb]lxtf axg ub{5f}+ / lwtf]kq lgisfzgsf nflu tf]lsPsf zt{ tyf

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

cfjZostfx? ;a} kfngf u/]sf 5'÷5f}+ / nufgLstf{x?nfO{ nufgL ;DaGwL ;"–;'rLt lg0f{o lng

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

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

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

ePsf ljj/0f afx]s sDkgLaf/]df k|sflzt cGo s'g} ;"rgf jf hfgsf/Lsf] hjfkmb]lxtf sDkgLdf

g/xg] / To:tf] ;"rgf, hfgsf/L jf ljj/0fsf] cfwf/df nufgL u/]df ;f] sf] hf]lvd nufgLstf{

:jo+n] axg ug'{kg]{5 .

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

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

/lhi6«f/sf] sfof{no, g]kfn /fi6« a}+s cflb_ sf] ;fj{hlgs lgisfzg tyf cGo lgodg Joj:yf tyf

lgb{]zgx?sf] kfngf u/]sf] s'/fsf] pb\3f]if0f ub{5f}+ . ;fy} ;fj{hlgs lgisfzg k|of]hgsf] nflu tof/

ul/Psf] ljj/0fkq / ;f] df pNn]lvt ;Demf}tf jf cGo ljj/0fx? g]kfn lwtf]kq af]8{df k]z u/]sf

5f}+ .

sDkgL /lhi6f/sf] sfof{nodf cf= j= @)&#÷&$ ;Ddsf] ljlQo ljj/0f ldlt @)&$÷)(÷)% df

cWofjlws clen]v ul/Psf] 5 .

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

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

5}gg\ .

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

jf sfo{sf/L k|d'v /x]sf 5}gg\ .

-#_ ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0faf6 k"FhL ;+sng u/L j]kQf ePsf jf ;~rfngdf

g/x]sf jf nufgLstf{x?sf] lxt ljk/Lt x'g] sfo{ u/]sf] ;+ul7t ;+:yfsf] ;~rfns jf sfo{sf/L

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

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

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

;+ul7t ;+:yfsf] ;~rfns jf sfo{sf/L k|d'v 5}gg\ .

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

;~rfns jf sfo{sf/L k|d'v x'g cof]Uo /x]sf 5}gg\ .

4

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

s ;+ul7t ;+:yfsf] k[i7e"dL M

s_ ;+:yfsf] gfd M ;flgdf a}+s lnld6]8 -SANIMA BANK LIMITED)

v_ s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f M sDkgL P]g, @)^# cGtu{t :yflkt .

u_ ;+:yfsf] /lhi68{ 7]ufgf M a}+ssf] /lhi68{ -s]Gb|Lo_ sfof{no sf7df08f}+ lhNnf, sf7df08f}+

dxfgu/kflnsf j8f g+= !, cnsfk'/L, gS;fndf /x]sf]5 .

3_ sf/f]jf/ ug]{ d'Vo :yfg M gS;fn, sf7df08f}df a}+sn] cfkm\gf] s]Gb|Lo sfof{no vf]nL a}+lsË

sf/f]jf/ ul//x]sf] 5 . o;sf] cltl/Qm a}+sn] g]kfn /fi6« a}+ssf] l:js[lt lnO{ zfvfsfof{nox?

vf]nL g]kfne/ b]xfosf :yfgx?af6 cfkm\gf] a}+lsË sf/f]jf/ ;+rfng ul//x]sf] 5 . a}+sn] g]kfn

/fi6« a}+ssf] l:js[lt lnO{ cfjZostf cg';f/ eljiodf zfvfx? lj:tf/ ug{ ;Sg]5 .

q=v= pkTosf afxL/sf zfvfx? kmf]g g=

1. cd/u9L, 88]nw'/f 096-410286/87

2. cd/l;+x, sf:sL 00977 -61-432225 3. au/, sf:sL 00977-61-551635/551636/551637 4. ag]kf, sfe|]knf~rf]s 00977-11-664051/52/53 5. a]naf/L, df]/ª 00977-21-546082 6. e}/xjf, ?kGb]xL 00977-71-521881 / 521884 / 521885 7. e08f/f, lrtjg 00977-56-550656 8. ljb'/, g'jfsf]6 00977-10-561913 / 14 / 15 9. la/f6gu/, df]/ª 00977-21-521890 / 521901 / 3 10. la/f}6f, sf:sL 00977-61-467640/467641/467642 11. lj/]Gb|gu/, ;'v]{t 00977-83-525346 12. lj/uGh, k;f{ 00977-51-529185 / 86 / 529405 13. ljtf{df]8, emfkf 00977-23-544505 / 542455 14. j'6an, ?kGb]xL 00977-71-545497/98 15. bds, emfkf 00977-23-585161 16. bdf}nL, tgFx' 00977-65- 562581/82/83 17. wfbLªa];L, wfbLª 00977-10-520967 18. wgu9L, s}nfnL 00977-91-416481/417482 19. w/fg, ;'g;/L 00977-25-522054 / 522868 / 522327 20. ufO{3f6, pbok'/ 035-421849/50/52 21. 3f]/fxL, bfª 00977-82-562964 22. xl/jg, ;nf{xL 00977-46-530508/610 23. x]6f}8f, dsjfgk'/ 00977-57 - 527373/74 24. Onfd, Onfd 027-520955/751 25. O{g?jf, ;'g;/L 00977-25-561747 26. O{6x/L, ;'g;/L 00977-25-587571 / 587572 / 587573 27. hgsk'/, wg'iff 00977-41-530472 / 530473 / 530474 28. sn}of, af/f 00977-53-551942 / 551943 29. vfFbjf/L, ;ª\v'jf;ef 00977-29-560986 30. nfxfg, l;/fxf 00977-33-562406 / 562407 / 562408 31. nfnaGbL, ;nf{xL 00977-46-501590 32. dx]Gb|gu/, s~rgk'/ 00977-99-521249 / 521164 33. dfO{, Onfd 00977-27-412204/2 34. dGdf, sfnLsf]6 0977-87-440126 35. Dofªn'Ë, t]x|y'd 00977-26-460734 36. gf/fo0f3f6, lrtjg 00977-56-571959 / 571761 37. gf}lj;], wflbª 00977-10-401014

5

38. g]kfnuGh, afFs] 00977-081-415057/415196 39. kf]v/f, sf:sL 00977-61-525042 / 520005 / 520006 40. /fhlj/fh, ;Kt/L 031-523-108/109/110 41. tfg;]g, kfNkf 075-522-808 42. l6sfk'/, s}nfnL 091-561-000 43. l6d'/], /;'jf 00977-10-543070 / 71 44. t'lN;k'/, bfª 00977-82-523416 45. efu]Zj/, 88]Nw'/f 00977-9848432325 46. 8'Ë]Zj/, b}n]v 00977-9851081023

47. d]n'Ë, bf]nvf 00977-9851180910

48. afUdtL, dsjfgk'/ 00977-9846551416

49. k;f{u9L, k;f{ 00977-9855083713

50. k6]jf{ ;'uf}nL, k;f{ 00977-9855083714

51. s}nfz, dsjfgk'/ 00977-9851134127

52. kmfskmf]sy'd, Onfd 00977-9741492381

53. pbok'/u9L, pbok'/ 00977-9849358390

54. lzjk'/L, g'jfsf]6 00977-9849117933

55. lrªuf8, ;'v]{t 00977-9848094533

56. ls:kfª, g'jfsf]6 00977-9818818850

57. sf]GHof];f]d,nlntk'/ 00977-9841794739

58. lbk'|ª r'O{r'Ddf, vf]6fª 00977-027-691225

59. ;fGgL lqj]0fL, sfnLsf]6 00977-9858320280

60. lxdfnL, afh'/f 00977-9851093156

q=v= pkTosf leqsf zfvfx? kmf]g g=

1. k|wfg sfof{no 00977-1-4428977/79/80

2. r'Rr]kf6L 00977-1-5210441/507/301

3. PsfGts'gf 00977-1-5520967 / 5538796 4. uf}zfnf 00977-1-4483126/578/01-4484448 5. uf]+ua' 00977-1- 4389378, 4389388 6. sn+sL 00977-01-5235051 / 5235272 7. s'df/Lkf6L 00977-1-5008597 / 5008598 8. dx/fhuFh 00977-1- 4371428/32/36 9. gof ahf/, 00977-1-4365604 / 4388321 10. gofF afg]Zj/ 00977-1-4781470 / 4785285 11. Go"/f]8 00977-1-4268742 / 4267920 / 4268388 12. ;ftbf]af6f 00977-1-5527425 / 95 13. ;'o{ljgfos 00977-1-6614515 / 6619384 14. 6]s' 00977-1- 4219568 / 69

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

;flgdf a}+s lnld6]8, sDkgL /lhi6«f/sf] sfof{nodf ldlt @)^! cfiff9 !^ ut] btf{

eO{ g]kfn /fi6« a}+såf/f ldlt @)^! dfu{ !! ut] /fli6«o :t/sf] ævÆ ju{sf] 8]enkd]06

a}+ssf] :jLs[lt k|fKt ul/ ldlt @)^! Dfu{ @! ut] b]lv ljQLo sf/f]jf/ ub}{ cfPsf] o;

a}+sn] g]kfn /fi6« a}+s af6 ldlt @)^* kmfNu'g ! ut] æsÆ ju{sf] afl0fHo a}+ssf]

?kdf a}+lsË sf/f]jf/ ug{ Ohfht kq k|fKt ul/ ldlt @)^* kmfNu'g # ut] b]lv

cfkm\gf] ;]jf ;+rfng ub}{ cfPsf] 5 . g]kfn leq j}b]lzs k|ljlw tyf nufgL ;Demf}tfdf

lghL If]qaf6 a}+s :yfkgf u/L b]zsf ljleGg 7fpFdf a}+lsË ;]jf pknAw u/fpg]

6

clek|fon] o; a}+ssf] :yfkgf ePsf] xf] . ;f] d'tfljs o;n] cfˆgf] sfo{If]qnfO{ lj:tf/

ub}{ :jb]z tyf ljb]zsf ljleGg 7fpFdf a}+lsË ;]jf k'¥ofpb} cfPsf] 5 . o; a}+ssf]

;+:yfks tyf ;+rfnsx? a}+lsË tyf ljQLo If]q tyf Joj:yfkgdf nfdf] ;do b]lv

cfj4 /x]sf] AolQmTjx? x'g'x'G5 .

g]kfn /fi6« a}+s P]g @)%*, a}+s tyf ljQLo ;+:yf ;DjGwL P]g, @)&#, / sDkgL P]g

@)^# tyf cGo k|rnLt sfg"gsf] clwgdf /xL ljQLo sf/f]jf/ -a+}lsË Joj;fo_ ug]{

o; a}+ssf] d'Vo p2]Zox? b]xfo jdf]lhd /x]sf] 5 .

-!_ a}+ssf lgIf]kstf{ tyf z]o/wgLsf] xs lxtsf] ;+/If0f / ;Dj4{g ub}{ ;j{;fw/0fnfO{

u'0f:t/Lo tyf e/kbf]{ a}lsË÷ljQLo ;]jf÷;'ljwf pknAw u/fpg],

-@_ s[lif, pBf]u, ;]jf, Jofkf/ tyf cGo Joj;flos ?kn] ;DefJo b]lvPsf pTkfbgzLn

Joj;fosf] :yfkgf, ljsf;, lj:tf/ / Ifdtf Pj+ pTkfbsTj j[l4sf nflu cfjZos

ljQLo ;fwg cfGtl/s tyf afXo;|f]taf6 h'6fO{ b]zsf] cf}Bf]lus, Jofkfl/s Pj+ s[lif

If]qsf] ljsf;df ultzLntf Nofpg ;xof]u k'¥ofpg],

-#_ pknAw ;Lk, >d tyf k"FhLnfO{ plrt kl/rfng u/L u|fdL0f tyf zx/L If]qdf

pTkfbg Pj+ /f]huf/L d"ns Joj;fosf] :yfkgf, ;+rfng, ljsf;, lj:tf/ Pj+ k|j4{|g

ug]{ sfo{sf] nflu cfjZos ljQLo ;fwg,k|fljlws tyf Joj:yfksLo k/fdz{ ;]jf,

tflnd tyf k|ljlw pknAw u/fO{ ul/aL lgjf/0fsf nflu ;lqmo ?kdf ;+nUg eO{

;xof]u k'¥ofpg], /

-$_ d'n'sdf 5l/P/ /x]sf] k"FhLnfO{ PsLs[t u/L ;+:yfut nufgL tyf :j:y

k|lt:kwf{sf] dfWodaf6 ljQLo dWo:ytfsf] ;]jf pknAw u/fpg] .

-%_ lwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&# df ePsf] Joj:yf

cwLgdf /lx g]kfn lwtf]kq af]8af6 :jLs[t eO{ ;fj{hlgs lgisfzg ul/Psf]

lwtf]kqx/m lgisf;g x'Fbfsf avt nufgLstf{af6 b/vf:t ;+sng -Application

Supported by Blocked Amount) tyf tt\;DaGwL sfo{x/m ug]{ .

cGo p2]Zox? a}+ssf] k|aGwkqdf pNn]v eP cg';f/ /x]sf 5g\ .

r_ sDkgLsf] s'g} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, O{ltxf; / To;sf d'Vo

p2]Zox?sf ;fy} To;df ePsf] nufgLsf] c+z -k|ltztdf_ M

s_ ;xfos sDkgLsf] gfdM ;flgdf Soflk6n lnld6]8

v_ ;xfos sDkgLsf O{ltxf;, d'Vo p2]Zox? / ePsf] nufgLsf] c+zM

j}+ssf] k'0f{ :jfldTjdf :yflkt ;+:yf ;flgdf Soflk6n lnld6]8 sDklg /lhi6«f/sf] sfof{nodf

ldlt @)&@÷)*÷@# df btf{ eO{ ;~rfngdf cfPsf] / h;sf] lgodgsf/L lgsfo g]kfn

lwtf]kq jf]8{ /x]sf] 5 . pQm lgsfoaf6 ldlt @)&#÷)%÷!^ df cg'dlt k|fKt eO{ ;~rfngdf

cfPsf]] ;fy} cf=j @)&@÷&# b]lv ;~rfngdf cfPsf] x'Fbf cf=j @)&@÷&# b]vL s/ r'Qmf

k|df0fkq k|fKt u/]sf] / z'?df o; Soflk6nsf] r'Qmfk'FhL ?=!!,)),)),)))÷–-cIf/]kL P3f/

s/f]8 ?k}+of dfq_ sfod /x]sf]df xfn o;sf] r'Qmfk'FhL ?=@%,)),)),)))÷–-cIf/]kL klRr;

s/f]8 ?k}+of dfq_ /x]sf] 5 . :yfkgfsf] lx;fan] gofF ePtfklg o; ;+:yfsf] k|d'v sfo{sf/L

clws[t tyf dr]{G6 a}lsË k|d'vsf] ;DjlGwt If]qdf !) aif{ eGbf jl9sf] sfo{ cg'ej /x]sf]

tyf :yfkgf sfn b]vL xfn ;Dd tkl;ndf pNn]lvt sDkgLx?sf] lgisfzg tyf ljlqm

k|jGws÷k|Tofe'ltstf{, nufgL Aoj:yfks÷;fd'lxs nufgL sf]ifsf] ;+rfngstf{sf] ?kdf

;kmnsfo{ ;Dkfbg ;DkGg u/]sf] 5 .

s= z]o/ sf] lgisfzg tyf ljlqm k|jGws÷;xlgisfzg tyf ljlqm k|jGws eO{ ;]jf u/]sf]

sDkgLx? M

7

qm=;+= sDkgLsf] gfd k|sf/ z]o/ lsQf÷OsfO s}lkmot

!= l;ghL{ kfj/ 8]enkd]06 lnld6]8 cfOlkcf] @!,)),))) sfo{ ;DkGg .

@= ;flgdf OlSj6L km08 Do"r'cn km08

of]hgf !#,)),)),))) sfo{ ;DkGg .

#= Vff]/+uf xfO8«f]kfj/ sDkgL lnld6]8 cfOlkcf] #,)),))) ;Demf}tf ;DkGg .

$= ;'k/dfO{ xfO8«f]kfj/ lnld6]8 cfOlkcf] *,)),))) ;Demf}tf ;DkGg .

%= kfFry/ kfj/ sDkgL lnld6]8 cfOlkcf] !(,@%,))) ;Demf}tf ;DkGg .

^= Pgcf/Pg OGk|mfi6«Sr/ P08 8]enkd]G6

lnld6]8

cfOlkcf] #@,(@,#@( ;Demf}tf ;DkGg .

&= :k;{ n3'ljQ ljlQo ;+:yf lnld6]8 cfOlkcf] @,$),))) ;Demf}tf ;DkGg .

*= dWo ef]6]sf]zL hnljB't sDkgL lnld6]8 cfOlkcf] (),)),))) ;Demf}tf ;DkGg .

v= xsk|b z]o/sf] lgisfzg tyf ljlqm k|jGws eO{ ;]jf u/]sf] sDkgLx? M

qm=;+= sDkgLsf] gfd z]o/ lsQf s}lkmot

!= ;flgdf a}+s lnld6]8 !,^*,%#!=(& lnnfd a9fa9 k|s[of ;DkGg .

@= l;l6hG;\ a}+s OG6/g]zgn lnld6]8 !,#*,$#,#*) xsk|b z]o/ lgisfzg ;DkGg .

#= l;l6hG;\ a}+s OG6/g]zgn lnld6]8 ^,!(,*)# lnnfd a9fa9 k|s[of ;DkGg .

$= ;ld6 dfOqmf]kmfOgfG; 8]enkd]G6 a}+s lnld6]8 &,@%,))) xsk|b z]o/ lgisfzg ;DkGg .

%= ;ld6 dfOqmf]kmfOgfG; 8]enkd]G6 a}+s lnld6]8 @^,%$( lnnfd a9fa9 k|s[of ;DkGg .

Uf= z]o/ /lhi6«f/sf] ?kdf lgo'Qm eO{ ;]jf k|bfg ul//x]sf] sDkgLx? M

qm=

;+=

sDkgLsf] gfd z]o/wlg ;+Vof

ef}lts ?kdfsfod cef}lts ?kdfsfod hDdf

z]o/wlg÷OsfOwgL

!= ;flgdf a}+s lnld6]8 *,&## @&,^)* #^,#$!

@= ;flgdfdfO{ xfO8«f]kfj/ lnld6]8 !@,)%% @#,%%# #%,^)*

#= ;flgdf OlSj6L km08 — @!,!#& @!,!#&

u_ nufgL Aoj:yfkssf] ?kdf lgo'QmeO{ ;f] ;DjlGw #( hgfnfO{ ;]jfk|bfg ul//x]sf] 5 .

o; sDkgL sf] d'Vo p2]Zox? b]xfo adf]lhd /x]sf] 5 M

nfufgLstf{x/mnfO{ lwtf]kq Joj;foLsf] /mkdf ;]jf pknAw u/fpg] .

k'FhLahf/;+u ;DalGwt ;]jfsf] lasf; la:tf/ ul/ ;]jf ;'ljwf pknAw u/fpg g]kfn lwtf]kq

af]8af6 cg'dlt k|fKt ul/ ;]jf k|bfg ug]{ .

;+ul7t ;:+yfx/msf] tkm{af6 lwtf]kqwlgsf] clen]v /fVg] tyf lwtf]kqx/msf] gfd;f/L nufot

z]o/ /]lh6«zg ;DaGwL cGo ;]jf k|bfg ug]{ .

lwtf]kqsf] vl/b tyf las|L ul/ ahf/ lgdf{tfsf] /mkdf sfo{ ug]{ u/fpg] .

nufgL k/fdz{ ;]jf, ;fd'lxs nufgL sf]if Joj:yfkg, lwtf]kq btf{ tyf lwtf]kqsf] lgIf]k ;]jf

jf l8kf]lh6l/ -s:6f]l8og ;]jf_, lwtf]kq sf/f]af/sf] lx;fa /fkm;fkm ug]{ ;DaGwL ;]jf k|bfg

ug u/fpg] .

dh{/ tyf PSjLlhzg ug]{ sDkgLx/msf] :jtGq 8\o'8]lnh]G; nufotsf cGo cfjZos k/fdz{

;]jf pknAw u/fpg] .

;fd'lxs nufgL sf]if -Do'Ro'cn km08_, 6«i6L, l8kf]lh6/L, nufgL Joj:yfkg, ;DklQ Joj:yfkg,

-P;6 d]g]hdG6 sDkgL_, of]hgf Joj:yfkg -km08 d]g]h/_, cflbsf] /mksf sfo{ ug]{, u/fpg] .

sDkgLn] pkbkmf -!_adf]lhdsf] p2]Zo sfof{Gjog ug{ k|erflnt sfg'g adf]lhd ;DalGwt

lgsfoaf6 cg'dlt jf Ohfht k|fKt ug'{ kg]{ ePdf k|fKt u/]/ dfq sfof{Gjog ul/g] 5 .

8

pkbkmf -!_ df plNnlvt p2]Zosf] ;DaGwdf cg'dlt jf Ohfht k|fKt u/]sf] k|Gw| lbgleq

To:tf] cg'dlt jf Ohfhtkqsf] k|ltlnlk sfof{no df k]z ul/g] 5 .

5_ b]xfosf s'/fx? ;d]t pNn]v ug'{kg]{ -nfu" x'g] xb;Dd_ M

!_ ;+ul7t ;+:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx? M

a}+sn] k|bfg ug]{ d'Vo ;]jfx?df lgIf]k ;+sng, shf{ k|jfx, /sdfGt/, /]]ld6\ofG; tyf cGo

a}+lsË ;]jfx? /x]sf 5g\ . ;fy} a}+sn] nufgLsf] dfWodaf6 cfˆgf] kF"hLsf] ;xL pkof]u ub}{

cfPsf] 5 .

@_ k|of]u ePsf] jf ul/g] k|ljlw M

a}+s ;]jf k|bfos sDkgL ePsf]n] dfly v08 ! df pNn]lvt ;]jf k|bfg ug{ cfjZos k|ljlw

;DkGg .

#_ s'g} a|f08g]d, k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ;+ul7t

;+:yf;Fu ;DalGwt af}]l4s ;DklQ xs clwsf/ M

;f] gePsf] .

$_ ;+ul7t ;+:yfn] cf]u6]sf] ahf/ If]q M

xfn ;Ddsf] tYofÍ cg';f/ s'n lgIf]k -ljb]zL d'b|fsf] lgIf]k ;lxt_ sf] #=!%Ü lx:;f sDkgLsf]

/x]sf] 5 . ;fy} shf{ tyf ;fk6 cGtu{t xfn;Dd sDkgLn] s'n ahf/sf] #=@#Ü lx:;f cf]u6]sf]

5 .

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

;do ;fk]If gofF pTkfbg tyf ljQLo ;]jfsf] ljsf; u/L ;DefJo u|fxsx?sf] klxrfg u/]/

cfˆgf] Jofkf/ lj:tf/ ug]{ of]hgf /x]sf] 5 .

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

a}+ssf] k|d'v ahf/ g]kfn /fHoe/ /x]sf] 5 / x/]s ju{sf u|fxssf] cfjZostf cg'?k ;]jfx?

pknAw u/fpb} n}hfg] a}+ssf] nIo /x]sf] 5 .

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

ljQLo If]qdf nfdf] cg'ej xfl;n ug{' ePsf ;+rfns÷Joj:yfkg bIftfsf] cfwf/df o; a}+sn]

:yfkgfsfn b]lv g} ahf/sf] /fd|f] lx:;f cf]u6\g / u|fxsnfO{ /fd|f] ;'ljwf k|bfg ug{ ;kmn

/x]sf] b]lvG5 .

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

nfu" gx'g] .

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

:t/Lo a+}lsË ;]jfsf nfuL u|fxs ;]jf laefu :yfkgf ul/ ;+rfngsf ;fy} u|fxs u'0ff;f]

;'g'jfO{ 8]:s ;d]t /x]sf] .

!)_ cg';Gwfg tyf ljsf; M

g]kfnsf] a}+lsË tyf ljQLo If]qdf k|lt:kwf{Tds l:ylt /x]sf] cfhsf] k[i7e"dLdf a}+sn]

cg';Gwfg tyf ljsf;nfO{ pRr k|fyldstfsf ;fy cl3 a9fO{/x]sf] 5 .

!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;+rfngdf c;/ kg]{ u/L ePsf] afwf, Jojwfg M

;f] gePsf] .

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

sDkgLdf ;'dw'/ cf}Bf]lus ;DaGw /x]sf] ;fy} ljutdf dhb'/ ;+u7g ;+u s'g} k|sf/sf] pNn]Vo

cf}Bf]lus ljjfb g/x]sf] .

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

cToflws k|lt:klw{ /x]sf] xfnsf] ljQLo ahf/df ;kmntf k"j{s cfkm\gf] klxrfg :yflkt u/L

ljQLo Joj;fo ;+rfng u/L/x]sf] .

9

!$_ k|d'v u|fxsx?sf] ljj/0f -h:t}M ;+:yfsf] s'n sf/f]af/df !)Ü jf ;f] eGbf al9n] of]ubfg ug]{

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

;f] gePsf] .

!%_ k|d'v ;Knfo;{x?sf] ljj/0f -h:t}M ;+:yfsf] s'n sf/f]af/df !)Ü jf ;f] eGbf al9n] of]ubfg

ug]{ ;Knfo;{ jf Joj;fosf] nflu ;+ul7t ;+:yf s'g} k|d'v ;Knfo;{;Fu lge{/ 5 eg]

tt\;DaGwL ljj/0f_ M

;f] gePsf] .

v= ;DklQsf] ljj/0f M

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

nfu" gx'g] .

v_ a'F+bf -s_ df pNn]lvt ;DklQ ;+ul7t ;+:yfsf] cfkm\g} ;DklQ xf] of lnhdf lnPsf], lnhdf lnPsf]

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

nfu" gx'g] .

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

;f] ;DaGwL ljj/0f M

nfu" gx'g]] .

3_ ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfjL d"No / ahf/ d"No aLr

km/s ePdf ;f] sf] ljj/0f M

o; a}+ssf] ;DklQsf] k'gd"{Nof+sg gul/Psf] xF'+bf lstfjL d"No / ahf/ d"No aLr km/s gePsf] .

ª_ ;DklQsf] d"NofFsg ul/Psf] tl/sf ;DaGwL ljj/0f M

nfu" gx'g] .

u= efjL of]hgf tyf /0fgLlt M

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

;doj4 /0fgLlt M

!_ gofF pTkfbg tyf ;]jfx? M k|ljlwdf cfwfl/t gjLgtd pTkfbg tyf ;]jfx? Nofpg a}+s k|oTgzLn

5 . a}ls¨ ;]jfsf] kx'Fr gk'u]sf] jf gePsf] hgtf dfem ;/n, ;'ne / e/kbf]{ a}ls+u ;]jf k'ofpg]

a}+ssf] hf]8 /xg] 5 .

@_ zfvf ;+hfnM a}+ssf] kx'+r gePsf 7fp+x?df cfkmgf] pkl:ylt hgfp+b} hfg] p2]Zon] cfjZostf

cg';f/ ;+hfn a9fpFb} n}hfg] a}+ssf] sfo{qmd 5 .

#_ 8]lj6÷q]ml86 sf8{M ahf/df cfˆgf] alnof] pkl:ytLnfO{ sfod /fVg cfˆgf] sf8{ Joj;fonfO{

Jofks?kdf lj:tf/ ub}{ hfg] k|of;df a}+s nfu]sf] 5 . cfkmgf] /fli6«o e'QfgL ;+hfndf ;b:o ;+Vof

a9fpb} n}hfg a}+s k|oTgzLn 5 . o; af6 a}+ssf] u|fxs ;+Vof / cfDbfgL j[l4df ;xof]u k'Ug] 5 .

$_ Pl6Pd ;+hfnM cfˆgf u|fxsju{x?nfO{ a9L ;'ljwf k|bfg ug]{ a}+ssf] /0flgltcg'?k pkTosfleq tyf

aflx/ Pl6Pd h8fgub}{ hfg] of]hgf a}+ssf] /x]sf] 5 .

%_ ;'rgf k|ljlwdf cfwfl/t ;]jf Ma}+sn] gljgtd k|ljlwsf] dfWodaf6 cfÎgf] u|fxsx?nfO{ Value

Added Services h:t} Online Loan Application Processing k|0ffln k|bfg ug]{ Wo]o /fv]sf] 5.

^_ ljk|]if0f M ljk|]if0f Joj;fodf cfkmgf] ahf/ c+z a9fp+b} n}hfg a}+sn] cfjZoStf cg';f/ b]z e/L

ljk|]if0f ljt/s Ph]06 k'¥ofpg] of]hgf u/]sf] 5 . a}+sn] ljk|]if0f k|of]hgsf nflu ;flgdf PS;k|];

/]ld6 dfkm{t ;]jf k'¥ofpb} cfPsf] 5 . o:tf] ljk|]if0f ;+hfn nfO{ b'u{d Ô]qx? ;Dd lj:tf/ ug]{

of]hgf ul//x]sf] 5 .

10

&_ cGo Joj;foM a+}ls+u pBf]udf a9b} uPsf] k|lt:kwf{n] ubf{ cfˆgf] ljQLo l:yltnfO{ pko'St l:yltdf

/fVg a}+sx?nfO{ nufgLsf c? If]q vf]Hg'kg]{ x'g uPsf] 5 .

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

Joj;fosf] eljio M

a}+sn] /fli6«o tyf cGt{/fli6«o ;/sf/L tyf u}/ ;/sf/L ;+3–;+u7g, sDkgL, JolQm / ;+3 ;+:yfx?,

tyf cGo ;j} ;/f]sf/jfnfx?;uF ;'dw'/ Joj;flos ;DaGw sfod /fv]sf] / a}+ssf] cf}Bf]lus tyf

Joj;flos ;DaGw ;dfhsf ;j} txdf kf/bzL{ / ;f}xfb{k"0f{ /x]sf]n] o;nfO{ lg/Gt/tf lbOg] 5 .

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

;~rfns ;ldltsf] ;+/rgf, ;~rfnsx?sf] of]Uotf / k|ltlglwTj tyf ;~rfns x'gsf] nflu lng'kg]{

Go"gtd z]o/ ;+Vof ;DaGwL Joj:yf M

a}+ssf] lgodfjnLsf] lgod !@ df ePsf] Joj:yf cg';f/ ^ -5_ hgf ;+rfnsx? /x]sf] Ps ;+rfns ;ldlt

b]xfo adf]lhd /x]sf] 5 M—

;+:yfks ;d"xsf z]o/wgLx? dWo]sf ;d"x æsÆ af6 cfk;L ;dembf/Laf6 dgf]lgt jf lgjf{lrt # hgf

;j{;fwf/0f z]o/wgLx?sf] k|ltlglwTj ug]{ ;+rfns ;d"x ævÆ af6 dgf]lgt @ hgf

a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# df ePsf] Joj:yf cg';f/ :jtGq ;+rfns ! hgf

hDdf ^ hgf

a}+ssf] lgodfjnLsf] lgod !# df ePsf] Joj:yf cg';f/ ;+rfns kbdf lgo'St x'gsf] nflu sDtLdf

!)) yfg z]o/ lnPsf] x'g'kg]{ 5 . t/ :jtGq ;+rfnssf] xsdf of] Joj:yf nfu' x'g] 5}g .

$ k"FhL ;+/rgf ;DaGwL hfgsf/L M

s_ clws[t, hf/L tyf r'Qmf k"FhL / ;+:yfsf] :yfkgf kZrft ;f] df kl/jt{g ePsf] eP tT;DaGwL ljj/0f M

s_ clws[t k"FhL M a}+ssf] clws[t k"FhL ?= (,)),)),)),)))÷—-gf} cj{_ /x]sf] 5, h;nfO{ k|lt z]o/

?=!))÷—sf b/n] hDdf (,)),)),))) -gf} s/f]8 _ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

v_ hf/L k"FhL M a}+ssf] hf/L k"FhL ?= *,)),!@,%%,$$)÷— -cf7 cj{ afx| nfv krkGg xhf/ rf/ ;o

rfnL;_ /x]sf] 5, h;nfO{ k|lt z]o/ ?=!))÷— sf b/n] hDdf *,)),!@,%%$=$) - cf7 s/f]8 afx|

xhf/ kfrF ;o rf}jGg / $)÷!))_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

u_ r'Qmf k"FhL M a}+ssf] r'Qmf k"FhL ?= *,)),!@,%%,$$)÷— - cf7 cj{ afx| nfv krkGg xhf/ rf/;o

rfnL;_ /x]sf] 5 , h;nfO{ k|lt z]o/ ?=!))÷— sf b/n] hDdf *,)),!@,%%$=$) - cf7 s/f]8afx|

xhf/ kfrF ;o rf}jGg / $)÷!))_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

;++:yfsf] :yfkgf kZrft kl/jt{g ;DaGwL ljj/0f

cfly{s jif{ clws[t k"FhL -?=_ hf/L k"FhL *r'Qmf k"FhL ldlt

)^@÷^# ^$,)),)),))) #@,)),)),))) !^,#@,)),))) @)^#÷#÷!^ )^#÷^$ ^$,)),)),))) #@,)),)),))) #@,)),)),))) @)^$÷(÷!^

)^$÷^% ^$,)),)),))) #*,$),)),))) #*,$),)),))) @)^$÷!@÷!# )^%÷^^ &^,*),)),))) &^,*),)),))) &^,*),)),))) @)^%÷!!÷!( )^^÷^& @,!),)),)),))) *),^$,)),))) *),^$,)),))) @)^^÷!!÷^ )^&÷^* @,!),)),)),))) @,)!,^),)),))) @,)!,^),)),))) @)^&÷^÷!) )&)÷&! @,@%,)),)),))) @,@!,&^,)),))) @,@!,&^,)),))) @)&)÷*÷^ )&!÷&@ #,!),)),)),))) @,%%,)@,$),))) @,%%,)@,$),))) @)&!÷*÷!% )&@÷&# %,)),)),)),))) #,)^,)@,**,))) #,)^,)@,**,))) @)&@/^/@* )&#÷&$ (,)),)),)),))) ^,*(,&^,#$,))) ^,*(,&^,#$,))) @)&#/^/@* )&$÷&% (,)),)),)),))) *,)),!@,%%,$$) *,)),!@,%%,$$) @)&$/^/@(

*k|:tfljt af]g; z]o/ ;dfj]z g/x]sf] .

11

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

C0fkq lgisfzg u/L afF8kmFf+8 u/] kZrft\ x'g] a}+ssf] r'Qmf k"FhLsf] ;+/rgf M

C)fkqsf] lgisfzg k'j{{ a}+ssf] r'Qmf k"+hLsf] ;+/rgfM

z]o/ k"FhL

;d"x z]o/

:jldTj

z]o/ ;+Vof r"Qmf /sd -?=_ e"QmfgL

s= ;d'x ;+:yfks z]o/wgLx? %! 4,08,16,127.85 4,08,16,12,785.00 !)) k|ltzt

v=;d'x ;j{;fwf/0f

z]o/wgLx?

$( 3,91,96,426.55 3,91,96,42,655.00 !)) k|ltzt

hDdf !)) *,)),!@,%%$=$) *,)),!@,%%,$$)=))

l8a]Gr/

;d"x z]o/ ;+Vof r"Qmf /sd -?=_ e"QmfgL

?= !,))).— c+lst b/sf] #,&),))) lsQf &Ü ;flgdf

l8a]Gr/—@)&( #,&),))) #&,)),)),))) !)) k|ltzt

hDdf #,&),))) #&,)),)),)))

C0fkq lgisfzg u/L afF8kmfF8 u/] kZrft sDkgLsf] z]o/ k"FhL / C0fkq k"FhLsf] ;+/rgf M

z]o/ k"FhL

;d"x z]o/

:jldTj

z]o/ ;+Vof r"Qmf /sd -?=_ e"QmfgL

s= ;d'x ;+:yfks z]o/wgLx? %! 4,08,16,127.85 4,08,16,12,785.00 !)) k|ltzt

v=;d'x ;j{;fwf/0f

z]o/wgLx?

$( 3,91,96,426.55 3,91,96,42,655.00 !)) k|ltzt

hDdf !)) *,)),!@,%%$=$) *,)),!@,%%,$$)=))

l8a]Gr/

;d"x z]o/ ;+Vof r"Qmf /sd -?=_ e"QmfgL

?= !,))).— c+lst b/sf] #,&),))) lsQf &Ü ;flgdf

l8a]Gr/—@)&( 3,70,000 37,00,00,000 !)) k|ltzt

?= !,))).— c+lst b/sf] @),)),))) lsQf !)Ü

;flgdf l8a]Gr/—@)*%* 20,00,000 2,00,00,00,000 !)) k|ltzt

hDdf @#,&),))) @,#&,)),)),)))

*o; ljj/0f dfkm{t lgisfzg ug{ nfluPsf] l8a]Gr/ .

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

z]o/ lk|ldod g/x]sf] .

% ;+:yfks÷;+rfns ;DaGwL hfgsf/L M

s= ;+:yfks÷;~rfnssf] k[i7e"dL M

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

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

12

cfwf/e"t z]o/wgLsf] ljj/0f M

l;=g+= gfd 7]ufgf /fli6«otf pd]/ z]o/;+Vof z}lIfs of]Uotf Joj;foLs cg'ej

!= 6]s/fh lg/f}nf v}/xgL –*,

lrtjg g]kfnL 56 56,73,124

Pd=P;=;L=

-l;len

OGhLlgol/Ë_

ljut @&+ jif{ b]lv ;f]gL,

kfgf;f]lgs, PnhL

sDkgLsf

Jofkf/÷Joj;fodf ;+nUg

. ljut ^ jif{ b]lv

;flgdf dfO{ xfO8«f]kfj/

lnld6]8df

;+rfns÷cWoIf eO{ sfo{

ub{} cfpg' .

@= c?0f s'df/

cf]emf

vf]6fËjhf/ –

&, vf]6fË g]kfnL 53

63,51,707

Pd=P;=;L=

-lhof]nf]hL_

;flgdf xfO8«f]kfj/

k|f=ln=df sfo{sf/L cWoIf

eO{ sfo{ u/]sf] . xfn

;flgdf h'd xfO8«f]kfj/

k|f=ln=df sfo{sf/L cWoIf

eO{ sfo{ ul/ /x]sf] .

ljut @% jif{ b]lv ;f]gL,

kfgf;f]lgs, PnhL

sDkgLsf Onf]S6«f]lgs

;fdfu|Lx?sf


.

#= ljgo s'df/

>]i7

uf]/vsfnL

g=kf=– !,

uf]vf{

g]kfnL 52 37,49,576

Pd=P;=;L=

-l;len

OGhLlgol/Ë_

ljut @# jif{ b]lv ;f]gL,

kfgf;f]lgs, PnhL


;fdfu|Lx?sf

Jofkf/÷Joj;fodf

;DnUg . ;flgdf a}+sdf

% jif{eGbf a9L

;+rfns÷cWoIf eO{ sfo{

u/]sf] . ;flgdf ldl8n

tdf]/ xfO8«f]kfj/ ln=sf]

cWoIf .

$= 3gZofd yfkf v}/xgL –&,

lrtjg g]kfnL 46 34,32,629 Pd=lj=P

ljut @# jif{ b]lv ;f]gL,

kfgf;f]lgs, PnhL


;fdfu|Lx?sf ljleGg

Jofkf/÷Joj;fodf

;DnUg . ;flgdf dfO{

xfO{8«f]kfj/ ln=df

;+rfns . ;flgdf nfOkm

OG;'/]G; ln=df ;+rfns .

csfdf xf]6n k|f=ln=df

;+rfns /x]sf] .

%= /fds[i0f zfx s'd/f]h –#,


Pd=P;=;L=

-l;len

OGhLlgol/Ë_

ljut @% jif{ b]lv;f]gL,

kfgf;f]lgs, PnhL


;fdfu|Lx?sf ljleGg


. ;flgdf xfO8«f]kfj/

ln=sf] ;+rfns .

13

l;=g+= gfd 7]ufgf /fli6«otf pd]/ z]o/;+Vof z}lIfs of]Uotf Joj;foLs cg'ej

^= lhjgfy

nfld5fg]

kbdk'/ –@,


Pd=P;=;L -

l;len

OGhLlgol/Ë_

ljut @^ jif{ b]lv ;f]gL


;fdfu|Lx?sf

Jofkf/÷Joj;fodf

;DnUg . ;flgdf a}+sdf

;+rfns÷cWoIf eO{

sfo{ u/]sf] . u}/cfj;Lo

g]kfnL ;+3sf] k'j{ cWoIf .

xfn NRN OGkmfSi6«Sr/

P08 8]enkd]G6 ln=sf]

sfo{sf/L cWoIf eO{ sfo{

ul/ /x]sf] .

&= v]d/fh

nfld5fg]

kbdk'/ –@,

lrtjg g]kfnL 52 28,77,224 :gfts

ljut @$ jif{ b]lv ;f]gL,

kfgf;f]lgs, PnhL


;fdfu|Lx?sf]

Jofkf/÷Joj;fodf

;DnUg . ;flgdf dfO{

xfO{8«f]kfj/ ln= / ;flgdf

nfO{km OG:of]/]G; ln=df

;+rfns eO{ sfo{ ul/

/x]sf] .

*= 8f=lg/h

uf]ljGb >]i7

tfg;]g –!!,

kfNkf g]kfnL 59 49,75,452

lk=Pr=8L

ljut @* jif{ b]lv s[lif

;DaGwL cf}hf/ agfpg] ,

a;, 6«nL a;, 6\ofS6/sf]

lgdf{0f ug{] sDkgLsf]

z]o/xf]N8/ eO{ Joj;fo

ul/ /x]sf]. ;flgdf a}+s

tyf NCELL sf] k'j{

;+rfns .

(= 8f= lj/]Gb|

k|;fb dxtf]

sh{Gxf –@,

l;/fxf g]kfnL 48

27,18,835

lk=Pr=8L

ljut @% jif{ b]lv /fli6«o

tyf cGt/f{li6«o ljleGg

Jofkf/÷Joj;fodf

;DnUg . df5fk'R5«] a}+ssf]

k"j{ cWoIf .

!)= lbnLk >]i7 l;4]zj/–%,

ef]hk'/ g]kfnL 58 10,13,294

Pd=P;=;L=

-l;len

OGhLlgol/Ë_

ljut @@ jif{ b]lv

3/fo;L Onf]S6«f]lgs

;fdfu|Lx?, df]afOnsf

accessories sf

Jofkf/÷Joj;fodf

;DnUg . ;flgdf a}+ssf]

k"j{ ;+rfns . afe/L

sGi6«Szg k|f=ln=df

;+rfns eO{ sfo{

ul//x]sf] .

!!=

ho u0f]z

OGe]i6d]G6

sDkgL k|f=ln=

sf=d=kf=–# g]kfnL - 21,75,542

– –

!@=

cdnf

OGe]i6d]G6

k|f=ln=

sf=d=kf=

sf7df08f}+, g]kfnL - 31,76,920 – –

14

;+rfnsx?sf] ljj/0f M

a}+ssf] lgodfjnLdf ePsf] Joj:yf cg";f/ a}+ssf] ;+rfns ;ldltdf 5 -^_ hgf ;+rfns ;b:ox?

/x]sf]df xfn a}+ssf] ;+rfns ;ldltdf b]xfo adf]lhdsf] k|ltlglwTj /x]sf]5 .

qm=

;+= ;+rfnssf] gfd kb /fli6«otf 7]ufgf

z]o/

:jfldTj

z}lIfs

of]Uotf cg"ej

!= ljgos'df/ >]i7

-;+:yfks

;d"xaf6_

cWoIf g]kfnL uf]/vsfnL g=kf=–

!, uf]/vf, xfnM

a'9flgnsi7–*,

sf7df08f} .

37,49,576

PdP:;L

-l;len

OGhLlgol/Ë_

ljut @# jif{ b]lv

;f]gL, kfgf;f]lgs,

PnhL sDkgLsf

Onf]S6«f]lgs

;fdfu|Lx?sf

Jofkf/÷Joj;fodf

;DnUg . ;flgdf

a}+sdf % jif{eGbf a9L

;+rfns÷cWoIf eO{

sfo{ u/]sf] . ;flgdf

ldl8n tdf]/

xfO8«fkfj/ ln=sf]

cWoIf .

@= t"sk|;fb kf}8]n

-;+:yfks

;d"xaf6_

;+rfns g]kfnL ;f}l8of/–!, bfË

xfnM sf7df08f}

66,782

PdP:;L

-l;len

OGhLlgol/Ë_

ljut bzsf}+ b]lv

xfO8«f]OGhLlgol/Ë df

;+nUg . ;flgdf dfO{

xfO{8«f]kfj/ ln=df

;+rfns . ;flgdf

nfOkm OG;'/]G; ln=df

;+rfns .

#= zfDjf nfdf

-;+:yfks

;d'xaf6_

;+rfns g]kfnL sf=d=kf=–^, jf}4M

sf7df08f}

97,296

P;=P;=O{=-±

6'_

@) jif{ b]vL xf]6n

pBf]u,sfk]{6

Joj;fosf ;fy}

ljlQo ;+:yfdf ;+nUg

. ;flgdf dfO{

xfO8«f]kfj/ ln=tyf

csfdf xf]6ndf

;+rfns eO{ sfo{ ul/

/x]sf] .

$= e/t s'df/

kf]v/]n

-;j{;fwf/0f

;d'xaf6_

;+rfns g]kfnL sf=d=kf=–#!,

gofjfg]Zj/ .

5,933

Pd=sd=÷

lj=Pn

s[lif ljsf; a}+ssf]

clws[t :t/sf

ljleGg kbdf @% jif{

eGbf a9L sfo{ ul/

clws[t :t/sf] k|yd

>]0fLaf6 cjsf+z

lnPsf] . ;flgdf dfO{

xfO8«f]kfj/ ln=sf]

;+rfns . ;flgdf

a}+sdf ;+rfns eO{ *

jif{eGbf a9L sfo{

u/]sf] .

15

qm=

;+= ;+rfnssf] gfd kb /fli6«otf 7]ufgf

z]o/

:jfldTj

z}lIfs

of]Uotf cg"ej

%= dx]z l3ld/]

-;j{;fwf/0f

;d'xaf6_

;+rfns g]kfnL lj/f6gu/–$,

df]/ª

xfnM dWok'/

lydL, eQmk'/ 1,246

:gfts lgdf{0f Joj;fodf

;+nUg . ;flgdf dfO{

xfO8«f]kfj/ lnld6]8sf]

;+rfns .

c6f]df]afOn If]qdf

!) jif{ eGbf al9sf]

cg'ej .

^= pQds'df/ e§/fO{

-:jtGq ;+rfns_

;+rfns g]kfnL vf]6]xfª

ufFpkflnsf –&,

vf]6fª .

xfnM;"o{ljgfos

gu/kflnsf –@,

jfnsf]6, eQmk'/

.

100

Pd=6]s ÷

Pd=lk=P=

g]kfn cf}wf]uLs

ljsf; lguddf

clws[t :t/df !^

jif{ eGbf j9L sfo{

u/]sf] / g]kfn

;/sf/sf] k|yd >]0fL

/ ;f] eGbf dfyL !#

jif{ eGbf a9Lsf] sfo{

u/L g]kfn ;/sf/sf]

;lrjaf6 cjsf+z

k|fKt u/]sf] .

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

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

l;

g+= ;+:yfsf] gfd 7]ufgf Zf]o/ ;+Vof ;+lIfKt ljj/0f

!=

ho u0f]z OGe]i6d]G6 sDkgL k|f=ln=

sf7df08f}+

;~rfnsM

!= ;f]gfd Uof5f]

@= gfdvfË nfdf

sf=d=kf=–#

sf7df08f}+}+, hf]/kfl6

sf=d=kf=–^

21,75,542

@)^$ ;fn d+l;/ @) ut]

k|f= ln= sDklgsf] ?kdf btf{

eO{ a}+s tyf ljQLo ;+:yf

tyf cGo sDkgLx?sf]

z]o/df nufgL ub} cfPsf] .

@=

cdnf OGe]i6d]G6 k|f=ln=, sf7df08f}+

;~rfnsM

!= c?0f s'df/ cf]emf

@= lkmnLk cf]emf

#= lblnk cf]emf

sf=d=kf=

sf7df08f}+}+,

31,76,920

@)^$ ;fn efb| !* ut]

k|f= ln= sDkgLsf] ?kdf btf{

eO{ laleGg ;+:yfx?sf]]

z]o/df nufgL ;fy} 3/hUuf

v/Lb ljqmL ub}{ cfPsf]] .

-u_ ;+ul7t ;+:yfsf] ;~rfnsx? cGo s"g} sDkgL, ;+:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;~rfns

/ cfj4 ePsf] ;+:yfsf] gfd, 7]ufgf M

l;=g+ ;~rfnssf] gfd, 7]ufgf cfj4 /x]sf] ;+:yfsf] gfd, 7]ufgf

!= ljgos'df/ >]i7

uf]/vsfnL uf=lj=;=–!, uf]/vf, xfnM

a'9flgnsi7 –*, sf7df08f} .

;flgdf k|f=ln=, ;flgdf ldl8n tdf]/ xfO{8«f]kfj/

ln=,;flgdf xfO8«f]kfj/ ln=, ;flgdf dfO{ xfO{8«f]kfj/

ln=, csfdf xf]6n k|f=ln=, ;flgdf nfO{km OG:of]/]G;

ln=, ;flgdf OG:of]/]G; sDkgL ln= afe/L sGi6«Szg

k|f=ln=.

16

l;=g+ ;~rfnssf] gfd, 7]ufgf cfj4 /x]sf] ;+:yfsf] gfd, 7]ufgf

@ t"sk|;fb kf}8]n

;f}l8of/ –!, bfË

xfnM sf7df08f}

km08 km/ xfO{8«f] OGe]i6d]G6 k|f=ln=,;flgdf xfO{8«f] P08

O{lGhlgo/Lª k|f=ln=, bfrf OGe]i6d]G6 k|f=ln= .

#= zfDaf nfdf

sf=d=kf ^, jf}4, sf7df08f}

;flgdf dfO{ xfO{8«f]kfj/ ln=, g]r/ xfplhË k|f=ln=,

csfdf xf]6n k|f=ln=, ;flgdf nfO{km OG:of]/]G; ln=,

;flgdf OG:of]/]G; sDkgL ln=

$= e/t s'df/ kf]v/]n

sf=d=kf=–#!, gofFjfg]Zj/ . ;flgdf dfO{ xfO{8«f]kfj/ ln=, afe/L sGi6«Szg k|f=ln=.

%= dx]z l3ld/]

lj/f6gu/–$, df]/ª

xfnM dWok'/ lydL, eQmk'/

;flgdf dfO{ xfO{8«f]kfj/ ln=, afe/L sGi6«Szg k|f=ln=,

;flgdf nfO{km OG:of]/]G; lnld6]8 .

^= pQd s'df/ e§/fO{

vf]6]xfª ufFpkflnsf –&, vf]6fª .

xfnM ;"o{ljgfos gu/kflnsf–@,

jfnsf]6 .

sn]h ckm PKnfO{8 km"8 P08 8]/L 6]Sgf]nf]hL k|f=ln= .

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

o; a}+ssf] k|jGwkq÷lgodfjnLdf z]o/ vl/b jf x:tfGt/)f ug{ aGb]h ;DaGwL Joj:yf b]xfo

adf]lhd x'g]%M

-s_ g]kfn /fi^« a}+ssf] k'j{ :jLs[lt glnO{ a}+ssf] z]o/ s'g} ljb]zL a}+s jf ljQLo ;+:yfnfO{ laqmL jf

x:tfGt/)f ul/g] %}g .

-v_ g]kfn /fi^« a}+ssf] k'j{ :jLs[lt glnO{ ;+:yfks / ;j{;fwf/)f ;d'xsf] z]o/ :jfldTj cg'kftdf

kl/jt{g ug{ kfOg] %}g .

-u_ a}+sn] sf/f]af/ ;~rfng u/]sf] kf¤r jif{ gk'u];Dd of] ;+:yfsf] ;+:yfksn] cfk\mgf] z]o/ laqmL jf

lwtf]aGws /fVg kfOg] %}g / pQm cjlwkl% To:tf] z]o/ ljqmL ubf{ jf lwtf]aGws /fVg' kbf{

g]kfn /fi^« a}+ssf] k'j{ :jLs[lt lng' kg]{% . o; Joj:yf adf]lhd a}+sn] sf/f]af/ ;~rfng u/]sf]

kf¤r jif{ gkÚu] tfklg a}+ssf] ;~rfngdf s'g} afwf Jojwfg pTkGg eO{ ljz]if kl/l:yltsf] ;[hgf

x'g uPdf g]kfn /fi^« a}+ssf] :jLs[lt lnO{ ;+:yfksx?sf aLrdf z]o/ vl/b laqmL ug{ ;lsg]% .

t/ To;/L xs %f]*\bf jf x:tfGt/)f ubf{ klxnf] k|fyldstf hÚg ;d'xsf] z]o/ xf] ;f]xL ;d'xsf

z]o/wgLx?nfO{ lbg' kg]{% . ;f] ;d'xsf s'g} klg ;+:yfks z]o/wgLn] z]o/ lng] OR%f gu/]df dfq To:tf]

z]o/ ;~rfns ;ldltsf] lg)f{o adf]lhd k|rlnt sfg'g tyf g]kfn /fi^« a}+saf^ a}+s tyf ljQLo

;+:yfx?nfO{ hf/L ul/Psf] lgb{]zgsf] clwgdf /lx cGo JolQm, kmd{, sDkgL jf ;+:yfnfO{ laqmL ug{

;lsg]% .

-#_ ;j{;fwf/)fn] z]o/ vl/b ubf{ Goúgtd 10 lsQf jf 10 c+sn] efu ubf{ z]if g/xg] u/L clwstd

ljj/)fkqdf pNn]v eP adf]lhd z]o/ vl/bsf] nflu cfj]bg ug{ ;lsg]% . t/ xsk|b z]o/ /

af]g; z]o/sf] xsdf of] aGb]h nfuú xÚg %}g .

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

sfo{df k|ToIf ?kn] ;+nUg JolQmn] To:tf] kbdf axfn /x+bfsf] avt jf To:tf] kbaf^ cjsfz

k|fKt u/]sf] sDtLdf Ps jif{;Dd a}+s jf To;sf] ;xfos sDkgLsf] z]o/ cfk\mgf] jf cfk\mgf]

kl/jf/sf] lgoGq)fdf /x]sf] kmd{,sDkgL jf ;+:yfsf] gfddf vl/b laqmL ug{, u/fpg, ug{ lbg,

lwtf]aGws /fVg, /fVg nufpg jf bfg as; lng, lbg jf n]gb]g ug{ x¤Úb}g .

-r_ s;}n] v)* -ª_ sf] ljkl/t sfd u/]df To:tf] z]o/ a}+sn] hkmt ug]{% / To;/L hkmt ePsf]

z]o/ ;~rfns ;ldltn] plrt &x¥ofPsf] lsl;daf^ laqmL ljt/)f ug{ ;Sg]% .

-%_ z]o/ vl/b jf x:tfGt/)f ug{ aGb]h ;DaGwL cGo Joj:yf k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL

17

sfg"g, sDkgL sfg'g / lwtf]kq sf/f]af/ ;DjGwL sfg'g tyf cGo k|rlnt sfg'gdf pNn]v eP

jdf]lhd xÚg]% .

-h_ a}+sn] xsk|b z]o/ lgisfzg ubf{ ;fljssf z]o/wgLx?n] v/Lb ug{ kfpg] xsk|b z]o/sf] ;Dk")f{

jf cf+lzs xs x:tfGt/)f ug{ rfx]df k|rlnt sfg'g tyf g]kfn /fi^« a}+ssf] lgb]{zg adf]lhd

x'g]% .

v= ;+:yfks÷;~rfns;Fusf]] sf/f]jf/ M

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

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

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

;f] gePsf] .

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

;f] gePsf] .

^ l;ldt bfloTj ;DaGwL ljj/0f M

of] a}+s sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cGtu{t :yflkt tyf

;~rflnt klAns lnld6]8 sDkgL xf] . o;df z]o/jfnfx?sf] bfloTj l;ldt 5 . o; a}+ssf

z]o/jfnfx?sf]] bfloTj lghx?n] vl/b u/]sf] z]o/sf] c+lst d"No ;Dd dfq l;ldt x'g]5 . C0fkqsf]

xsdf C0fkq jfnfx?n]] vl/b u/]sf] C0fkqsf] e'StfgL ug]{ bfloTj a}+ssf] x'g]5 .

& ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL ljj/0f M

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

s_ ;+ul7t ;+:yfsf] pRr Aoj:yfksLo txsf clws[t sd{rf/Lx?sf] gfd, of]Uotf, lgo'lQm ePsf] ldlt,

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

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

u/]sf] eP pQm ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] /sd v'nfpg' kg]{ ;DaGwL ljj/0fM

qm=

;+= gfd 7]ufgf kb

z}lIfs

of]Uotf lgo'lQm ldlt

cGo ;+ul7t ;+:yfdf

nufgL cg'ej

!= e'jg s'df/

bfxfn

rGb|lgufx

k'/–)*,

/f}tx6

k|d"v sfo{sf/L

clws[t Pd= la= P= 2070/03/16

s_ ;'lrs[t sDkgL–

cfwf/e"t z]o/ wlg g/x]sf]

v_ cGo sDkgL– !Ü jf ;f]

eGbf dfyL g/x]sf]

glan a}+s tyf ;flgdf a}+sdf

ul/ ljQLo tyf of]hgf,

nufgL tyf ;+rfng If]qdf

@& jif{sf] sfo{ cg'ej .

@= t]haxfb'/

rGb

eb|k'/–)@,

88]nw'/f

gfoj k|d"v

sfo{sf/L clws[t Pd= la= P= 2063/07/20

s_ ;'lrs[t sDkgL–



eGbf dfyL g/x]sf]

:6fG88{ rf6{8 a}+s, g]kfn

P;+ la= cfO{ a}+s, Pg cfO{ ;L

a}+s tyf ;flgdf a}+sdf ul/

shf{ ,hf]lvd tyf ;+rfng

If]qdf @* jif{sf] sfo{ cg'ej

.

#= lgZrn /fh

kf08]

l8NnLahf

/,

wf]jLwf/f,

sf7df08f}+

;xfos k|d"v


s_ ;'lrs[t sDkgL–



eGbf dfyL g/x]sf]

glan a}+s tyf ;flgdf a}+sdf

ul/ hf]lvd, ;+rfng tyf

shf{ If]qdf @# jif{sf] sfo{

cg'ej .

$= aaL l;x+

u8tf}nf

gS;fn,

sf7df08f}+

;xfos k|d"v


s_ ;'lrs[t sDkgL–



eGbf dfyL g/x]sf]

:6fG88{ rf6{8 a}+s tyf

;flgdf a}+sdf ul/ shf{,

;+rfng tyf lgIf]k

kl/rfngdf @& jif{sf] sfo{

cg'ej .

%= kjg s'df/

cfrfo{

dfgejg–

%÷(* 3,

sf7df08f}+

;xfos k|d"v


s_ ;'lrs[t sDkgL–



eGbf dfyL g/x]sf]

laef]/ Oge]:6d]G6 tyf

;flgdf a}+sdf ul/ hf]lvd

tyf shf{ If]qdf !% jif{sf]

sfo{ cg'ej .

^= ;/f]h u'/fufO{ ;'gfsf]7L,

nlntk'/ ;xfos dxfk|aGws

Pd= la= P

tyf l;=P 2068/11/21

s_ ;'lrs[t sDkgL–



eGbf dfyL g/x]sf]

/fli6«o afl0fHo a}+s, Pg cfO{

;L a}+s tyf ;flgdf a}+sdf

ul/ 6«]h/L, ljQ Aoj:yfkg

tyf of]hgf If]qdf !$ jif{sf]

sfo{ cg'ej .

18

qm=

;+= gfd 7]ufgf kb

z}lIfs

of]Uotf lgo'lQm ldlt

cGo ;+ul7t ;+:yfdf

nufgL cg'ej

&= /fh' s[i0f >]i7

uf]+ua'

;dfv'l; al/i7 k|aGws

Pd= la=

P;= 2070/11/28

s_ ;'lrs[t sDkgL–



eGbf dfyL g/x]sf]

Gflan a}+s, d]uf a}+s tyf

;flgdf a}+sdf ul/ a+}lsË

;+rfng If]qdf @( jif{sf] sfo{

cg'ej .

*= ;'hLt 9sfn

PsfGts'gf

nlntk'/ al/i7 k|aGws Pd= la= P= 2070/05/16

s_ ;'lrs[t sDkgL–



eGbf dfyL g/x]sf]

Gflan a}+s, d]uf a}+s tyf

;flgdf a}+sdf ul/ shf{ tyf

;+rfng If]qdf @@ jif{sf] sfo{

cg'ej .

pNn]lvt clws[t sd{rf/Lx? cGo s'g} ;"rLs[t ;+ul7t ;+:yfsf] jf cGo s'g} ;+ul7t ;+:yfsf] cfwf/e"t

z]o/wgL g/x]sf] hfgsfl/ u/fpg rfxG5f} .

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

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

pNn]v ug'{ kg]{ M gePsf] .

u_ sd{rf/L ;+VofM :yfoL, c:yfoL, s/f/, Hofnfbf/L / cGo

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

*)# @( *#@

-v_= ;~rfns Pj+ pRr Aoj:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0fM

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

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

!= ;+rfns ;ldltsf] a}7sdf pkl:yt eP afkt cWoIfn] kfpg] a}7s eQf k|lt a}7s ?=

!),)))÷— -bz xhf/_ / ;+rfnsx?n] kfpg] a}7s eQf k|lt a}7s ?= *,)))÷— /x]sf] 5 .

;fy} ;~rfns ;ldltsf cWoIf tyf ;~rfnsx?nfO{ b}lgs, ;fKtflxs ;dfrf/kq, a}+s tyf

ljQ ;DaGwL ljifosf /fli6«o tyf cGt/f{li6«o If]qaf6 k|sflzt x'g] Magazine, Periodicals tyf

cGo kq—klqsfx?, 6]lnkmf]g, OG6/g]6 cflb ;]jfsf lgldt a9Ldf dfl;s ?= !),)))÷– -bz

xhf/_ ;Dd aLn k]z u/]sf] cfwf/df pknAw u/fOg]5 .

@= a}+ssf] sfdsf] l;nl;nfdf ;+rfnsnfO{ k|bfg ul/g] b}lgs tyf e|d0f eQf b]xfo adf]lhd x'g]5M

-c_ b}lgs eQf M a}+ssf] sfdsf] l;nl;nfdf a}+ssf] cWoIf÷;+rfns a}+ssf] /lhi68{ sfof{no /x]sf]

:yfg aflx/ hfg'kg]{ l:ylt cfPdf ;+rfnsn] b]xfo adf]lhdsf] b}lgs eQf kfpg] 5 .

s_ g]kfn leq

s= xf]6n a;fO{ ?= %)))÷— k|lt lbg . lan k]z u/]sf] cfwf/df . lan k]z gu/]df ?=@,%)) ÷–

v= vfgf vr{ ?= @,%))÷— k|lt lbg,

u= km'6s/ vr{ ?= !)))÷— k|lt lbg,

v_ ljb]zdf

!_ ef/tdf M

s= xf]6n a;fO{ ef/tLo ?= %)))÷— k|lt lbg . lan k]z u/]sf] cfwf/df . lan k]z gu/]df

?=@,%)) ÷–

v= vfgf vr{ ef/lto= ?= @,%))÷— k|lt lbg,

u= km'6s/ vr{ ef/lto ?== !)))÷— k|lt lbg,

3= xjfOhxfh jf a;af6 ofqf u/]sf] oftfoft vr{ a}+sn] Joxf]g{] .

u_ ef/t jfx]s

! ;fs{ /fi6« M

s= xf]6n a;fO{ o'=P;=8n/ !@% k|lt lbg,

v= vfgf tyf km'6s/ vr{ o'=P;=8n/ !)) k|lt lbg,

19

@ cGo d'n's M

s= xf]6n a;fO{ M /fhwfgL Pj dxfgu/ o'=P;=8n/ @%) tyf cGo ;x/df o'=P;=8n/ @))

k|lt lbg,

v= vfgf tyf km'6s/ vr{ o'=P;=8n/ !%) -o'/f]k / cd]/Lsf_ k|lt lbg, . cGo d'n'sdf

o'=P;=8n/ !)) k|ltlbg .

-cf_ e|d0f eQf M ;+rfnsx?n] a}+ssf] sfdsf] l;nl;nfdf kfpg] oftfoft, xf]6n, vfhf vr{, nufotsf

e|d0f ;+u ;DalGwt cGo ;'ljwfx? b]xfo adf]lhd x'g]5 .

s_ xjfO{ l6s6 tyf ;DalGwt Pc/kf]6{ s/ M g]kfn leq jf lab]zdf h'g;'s} :yfgsf] nflu Aofkfl/s

txsf] l6s6 tyf s/sf] af:tlas nfut Ù

v_ :yn dfu{af6 e|d0f ubf{ ;jf/L ;fwgsf] af:tljs ef8f÷vr{ .

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

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

l;=g+= sd{rf/Lsf] gfd kb Ps cfly{s jif{sf] cjlw leq kfl/>ldssf]

?kdf e'Qmfg ul/Psf] /sd -?=_

-@)&$÷$÷! b]vL @)&%÷)#÷#@ ;Dd_

!= e'jg s'df/ bfxfn k|d'v sfo{sf/L clws[t 1,73,79,151 @= t]haxfb'/ rGb gfoj k|d'v sfo{sf/L clws[t 1,21,74,024 #= aaL l;x+ u8tf}nf ;xfos k|d"v sfo{sf/L clws[t 51,62,902

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

;DaGwL ljj/0fM xfn ;Dd To:tf] s'g} s/f/ ul/Psf] 5}g .

*= cGtlg{lxt hf]lvd tyf ;f]sf] Aoj:yfkgsf nflu Aoj:yfkgsf] wf/0ffM

sDkgLsf] cGtlg{lxt hf]lvdx? lgDgfg';f/ /x]sf 5g\ M

-s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvd M

-!_ lgIf]k tyf shf{sf] Jofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx? .

-@_ g]kfnsf] ahf/df x'g] cfly{s dGbLaf6 kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? .

-v_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd M

nfu" gx'g] .

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

-!_ gofF a}+s tyf ljQLo ;+:yfx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g ;Sg] hf]lvdx? .

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

-3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clea[l4 -cost overrun_ sf] hf]lvd

M nfu" gx'g] .

-ª_ ljb]zL ljlgdosf] hf]lvd M

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

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

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

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

-!_ cGt/f{li6«o ahf/df x'g] cfly{s dGbLaf6 kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? .

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

hf]lvdM

-!_ g]kfn ;/sf/ tyf g]kfn /fi6« a}+ssf] cfly{s tyf ljQLo gLlt lgoddf x'g] kl/jt{gaf6 >[hgf

20

x'g ;Sg] hf]lvdx? .

-@_ b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] hf/L ug]{ lgod lgb]{zgsf] ck|Toflzt kl/jt{gaf6

l;h{gf x'g] ;Defljt hf]lvdx? .

-em_ ;~rfng O{ltxf;sf] cefj M

o; a}+sn] lg/Gt/ !$ jif{ b]lv a}lsË ;]jf k|bfg u/L cfO/x]sf] 5 .

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

a}lsË k|ljlwnfO{ r':t b'?:t /fVg ;ˆ6j]o/ tyf xf8{j]o/df ;do ;fk]If x]/km]/ ug'{kg{] ePdf yk

vr{ a9\g ;Sg]5 . ;fy} a}+sn] lg/Gt/ ?kdf k|ljlw kl/jt{gaf6 l;lh{t x'g ;Sg] hf]lvdx?nfO{

dWogh/ ul/ cfjZos tflnd tyf lj1x?sf] ;'emfjx? ;do ;dodf lnO{/x]sf] .

-6_ cGo M

-!_ a}+sn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hf]lvd .

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

-#_ k"FhL ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx? .

-$_ a}+sn]] ;/sf/L tyf u}/ ;/sf/L lwtf]kqx?df nufgL u/]sf] x'Fbf tL nufgLdf x'g] d"No

kl/jt{gsf] hf]lvd .

;Defljt cfly{s hf]lvdx?nfO{ Go"gLs/0f ug{ Joj:yfkgn] lgDg pkfox? cjnDjg ub}{ hfg]5 M

a}+ssf]]]]]] shf{ tyf nufgL v/fa eO{ x'g ;Sg] hf]lvdx?sf] nflu a}+sn]] shf{ tyf nufgL hf]lvd sf]ifsf]

Joj:yf u/]sf] 5 . a}+sn]]] ljQ ahf/df x'g] k|lt:kwf{sf] nflu hgzlQm lasf;df cfjZos Wofg

k'¥ofpg'sf] ;fy} cGo Jofj;flos hf]lvdx?af6 l;h{gf x'g ;Sg] xfgL gf]S;fgLsf] nflu Joj:yfkg

rgfvf] eO{ ;Defljt xfgL gf]S;fgL sd ug{ ;Ifd tyf k|lta4 5 .

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

?= !,)))÷– k|lt C0fkqsf] b/n] lgisfzg ul/Psf] d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g]

sf/f]jf/n] C0fkq d"Nodf x'g;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .

(= ljQLo ljj/0f M

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

-s_= ;+ul7t ;+:yfsf] n]vfkl/If0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf gf]S;fg lx;fa,

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

jf;nft

@)&$ cfiff9 d;fGt

k"FhL tyf bfloTj /sd

?=xhf/df

z]o/ k"FhL 80,01,255

hu]8f tyf sf]ifx? 10,59,578

C0fkq tyf a08 3,70,000

ltg{ afFsL shf{ ;fk6 6,11,009

lgIf]k bfloTj 5,82,28,495

e'QmfgL lbg'kg]{ lanx? -

k|:tfljt nfef+z -

cfos/ bfloTj -

cGo bfloTj 17,25,564

s"n bfloTj 6,99,95,901

;Dklt tyf hfoh]yf

gub df}Hbft 9,07,599

g]kfn /fi6« a}+sdf /x]sf] df}Hbft 52,65,302

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 7,37,707

Dffu tyf cNk ;"rgfdf k|fKt x'g] /sd -

nufgL 91,63,956

21

shf{ ;fk6 tyf lan vl/b 5,12,64,668

l:y/ ;DklQ 7,16,396

u}/ a+}ls+é ;DklQ -

cGo ;DklQ 19,40,273

s'n ;DklQ 6,99,95,901

Gffkmf gf]S;fg ljj/0f

-@)&# >fj0f ! ut] b]lv @)&$ cfiff9 d;fGt_

Gffkmf gf]S;fg afF8kmfF8 lx;fa

-@)&$ cfiff9 d;fGt_

ljj/0f ? xhf/df

cfDbfgL

! ut jif{;Ddsf] ;+lrt d'gfkmf 2,891 @ afudtL 8]e]nkd]G6 a}+ssf] ;+lrt gfkmf 2,350 # ;6xL 36a9 sf]if 13,04,103 $ kF'hL hu]8f sf]if 38,675 % z]o/ k|ldod 1,68,728 hDdf 15,16,747 vr{ ! ut jif{;Ddsf] ;+lrt gf]S;fg - @ o; jif{sf] gf]S;fg - # ;fwf/0f hu]8f sf]if 2,60,824 $ e}k/L cfpg] hu]8f - % ;+:yf ljsf; sf]if -

ljj/)f ?=xhf/df

1=Aofh cfDbfgL 50,60,299 2=Aofh vr{ 28,18,181 s"n Aofh cfDbfgL 22,42,119

3=sld;g tyf l*:sfpG^ 1,55,189 4=cGo ;+rfng cfDbfgL 3,00,555 5=;^xL #â( cfDbfgL 1,94,264

s"n ;+rfng cfDbfgL 28,92,126 6=sd{rf/L vr{ 3,39,099 7=cGo ;+rfng vr{ 4,22,076

8=;^xL #â( gf]S;fgL - ;Defljt hf]lvd Joj:yfclwsf] ;+rfng d"gfkmf 21,30,951 9=;Defljt hf]lvd Joj:yfx? 1,32,862

;+rfng d"gfkmf 19,98,090 10= u}/ ;+rfng cfDbfgL/ gf]S;fgL 47,920 11= ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ 3,391

lgoldt ;+rfngaf^ ePsf] d"gfkmf 20,49,400

12= c;fdfGo sf/f]jf/af^ ePsf] d"gfkmf/ -3f6f_ (239) ;Dk")f{ sf/f]jf/ ;dfj]zkl%sf] v"b d"gfkmf 20,49,161

13= sd{rf/L af]g; Aoj:yf 1,86,287 14= cfos/ Aoa:yf 5,58,770

o; jif{sf] s/ Joj:yf 5,62,159

ljut jif{;Ddsf] s/ Joj:yf -

o; jif{sf] :yug s/ cfDbfgL÷-vr{_ (3,389)

v"b gfkmf÷gf]S;fg 13,04,103

z]o/ ;+Vof -xhf/df_ 68,976=34

k|lt z]o/ cfDbfgL -?=_ 26=31

22

^ nfef+z ;dLs/0f sf]if - & sd{rf/L bIftf clea[l4 sf]if 611 * k|:tfljt nfef+z - ( k|:tfljt af]g; z]o/ 11,03,621 !) ljz]if hu]8f sf]if - !! ;6xL 36a9 sf]if 1,861 !@ k'FhL lkmtf{ hu]8f sf]if 52,857 !# ;+:yfut ;fdflhs ptm/bfloTj sf]if 13,041 !$ :yug s/ hu]8f 3,388 !% nufgL ;dfof]hg sf]if (205) hDdf 14,35,998 !^ ;+lrt d'gfkmf÷-gf]S;fg_ 80,749

gub k|jfxsf] ljj/0f -@)&$ cfiff9 d;fGt_

ljj/0f ?= xhf/df

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

! gub k|flKt 13,73,514 !=! Aofh cfDbfgL 54,41,919 !=@ sldzg tyf l8:sfp06 cfDbfgL 47,97,929 !=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL 1,55,189 !=$ ckn]lvt shf{sf] c;'nL 1,86,821 !=% cGo cfDbfgL 3,01,980 @ gub e'QmfgL 40,68,405 @=! Jofh vr{ 28,34,570 @=@ sd{rf/L vr{ 3,39,099 @=# sfof{no ;~rfng vr{ 3,40,194 @=$ cfos/ e'QmfgL 5,54,543 @=% cGo vr{ - sfo{ut k"FhL -Working Capital_ ultljlw cl3sf] gub k|jfx 10,44,147 ;+rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l4_ (1,11,09,416) != dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ - @= cGo cNksfnLg nufgLdf sdL÷-j[l4_ 6,20,883 #= shf{ tyf ljN; v/Lbdf sdL÷-j[l4_ (1,05,18,959) $= cGo ;DklQdf sdL÷-j[l4_ 12,11,340 ;+rfng ;DaGwL rfn" bfloTjdf -sdL_÷j[l4 1,21,53,563 != lgIf]k bfloTjdf -sdL_÷j[l4 1,13,58,663 @= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷j[l4 - #= cNksfnLg ;fk6Ldf -sdL_÷j[l4 2,21,460 $= cGo bfloTjdf -sdL_÷j[l4 10,16,361 -v_ nufgL sf/f]jf/df gub k|jfx 11,02,841 != bL3{sfnLg nufgLdf sdL÷-j[l4_ 9,91,840 @= :yL/ ;DklQdf sdL÷-j[l4_ (1,40,693) #= bL3{sfnLg nufgLdf Aofh cfDbfgL 2,45,361 $= nfef+z cfDbfgL 6,333 %= cGo - -u_ ljQLo >f]t sf/f]jf/af6 gub k|jfx (1,20,581) != bL3{sfnLg C0f -j08, l8j]Gr/ cflb_ df j[l4 ÷-sdL_ - @= z]o/ k"FhLdf j[l4 ÷-sdL_ 21,60,162 #= cGo bfloTjdf j[l4÷-sdL_ 1,68,728 $= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{df j[l4 ÷-sdL_ (24,49,470) -#_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL ÷vr{ 7,442 -ª_ o; jif{sf] ;Dk"0f{ utljlwaf6 gub k|jfx 34,07,364 -r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 35,03,245 -5_ gub tyf a}}+sdf /x]sf] clGtd df}Hbft 69,10,608

mailto:!@

mailto:!=@

23

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

e}g;s]sf] cj:yfdf ;~rfng cjlwe/sf] n]vfk/LIf0f ePsf] gfkmf gf]S;fg, jf;nft ;lxtsf]

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

jf;nft

-?= xhf/df_

k"FhL tyf bfloTj

@)&!÷)&@ @)&@÷)&# @)&#÷)&$

@)&$÷)&%

-ckl/:s[t ljQLo ljj/0f_

a}+s PsLs[t a}+s PsLs[t a}+s PsLs[t

z]o/ k"FhL 3,060,288 4,710,597 4,710,597 8,001,255 8,001,255 8,001,255 8,001,255

hu]8f tyf sf]ifx? 370,406 641,655 646,029 1,059,578 1,092,694 1,544,873 1,567,149

C0fkq tyf a08 - 370,000 370,000 370,000 370,000 370,000 370,000

ltg{ afFsL shf{ ;fk6 1,687,185 3,281,940 3,281,940 611,009 611,009 358,950 358,950

lgIf]k bfloTj 34,045,316 46,423,306 46,344,181 58,228,495 57,754,054 79,183,347 79,139,285

e'QmfgL lbg'kg]{ lanx? - - - - - - -

k|:tfljt nfef+z 26,845 36,240 - - - 1,200,188 1,200,188

cfos/ bfloTj - - - - - - -

cGo bfloTj 1,111,157 500,820 537,936 1,725,564 2,125,820 1,173,008 1,202,064

s"n bfloTj 40,301,197 55,964,558 55,890,682 69,995,901 69,954,833 91,831,622 91,838,893

;Dklt tyf hfoh]yf

gub df}Hbft 690,663 682,824 682,824 907,599 907,599 1,082,296 1,082,296

g]kfn /fi6« a}+sdf /x]sf]

df}Hbft 687,276 2,574,788 2,574,788 5,265,302 5,265,302 5,597,468 5,597,468

a}+s÷ljQLo ;+:yfdf /x]sf]

df}Hbft 393,092 154,974 154,974 737,707 741,399 465,402 467,150

Dffu tyf cNk ;"rgfdf k|fKt

x'g] /sd - - - - - - -

nufgL 7,744,240 10,734,793 10,651,936 9,163,956 9,096,687 13,631,273 13,602,011

shf{ ;fk6 tyf lan vl/b 28,264,051 40,455,087 40,455,087 51,264,668 51,264,668 68,663,692 68,663,692

l:y/ ;DklQ 614,772 649,307 654,875 716,396 726,838 938,397 947,642

u}/ a+}ls+é ;DklQ - - - - - - -

cGo ;DklQ 1,907,104 712,786 716,199 1,940,273 1,952,340 1,453,095 1,478,634

s'n ;DklQ 40,301,197 55,964,558 55,890,682 69,995,901 69,954,833 91,831,622 91,838,893

gfkmf gf]S;fg lx;fa

-?= xhf/df_

ljj/)f @)&!÷)&@ @)&@÷)&# @)&#÷)&$

@)&$÷)&%

-ckl/:s[t ljQLo ljj/0f_

a}+s a}+s PsLs[t a}+s a}+s PsLs[t

1=Aofh cfDbfgL 2,544,797 3,262,998 3,263,022 5,060,299 5,044,308 8,031,544 8,053,113

2=Aofh vr{ 1,405,407 1,540,696 1,540,144 2,818,181 2,794,577 5,092,489 5,090,107

s"n Aofh cfDbfgL 1,139,390 1,722,302 1,722,878 2,242,119 2,249,731 2,939,055 2,963,007

3=sld;g tyf

l*:sfpG^ 56,468 88,543 88,547 155,189 155,189 185,958 185,958

4=cGo ;+rfng cfDbfgL 131,295 235,621 235,374 300,555 348,161 519,160 540,957

5=;^xL #â( cfDbfgL 178,747 153,623 153,623 194,264 194,264 282,481 282,481

s"n ;+rfng cfDbfgL 1,502,900 2,200,089 2,200,423 2,892,126 2,947,345 3,926,654 3,972,403

6=sd{rf/L vr{ 182,321 258,811 259,435 339,099 345,209 540,365 551,660

7=cGo ;+rfng vr{ 275,446 328,202 329,610 422,076 428,651 530,351 539,366

8=;^xL #â( gf]S;fgL - - - - - - -

24

;Defljt hf]lvd

Joj:yfclwsf] ;+rfng

d"gfkmf

1,045,134 1,613,076 1,611,377 2,130,951 2,173,486 2,855,939 2,881,377

9= ;Defljt hf]lvd

Joj:yfx? 119,441 134,538 134,538 132,862 132,862 246,812 246,812

;+rfng d"gfkmf 925,693 1,478,537 1,476,839 1,998,090 2,040,624 2,609,127 2,634,565

10= u}/ ;+rfng

cfDbfgL/ gf]S;fgL 7,344 63,162 70,694 47,920 44,769 25,612 22,321

11= ;Defljt gf]S;fgL

Joj:yfaf^ lkmtf{ 41,861 15,999 15,999 3,391 3,391 7,603 7,603

lgoldt ;+rfngaf^

ePsf] d"gfkmf 974,899 1,557,699 1,563,532 2,049,400 2,088,784 2,642,342 2,664,489

12= c;fdfGo

sf/f]jf/af^ ePsf]

d"gfkmf/ -3f6f_

(609) - - (239) (239) (734) (734)

;Dk")f{ sf/f]jf/

;dfj]zkl%sf] v"b

d"gfkmf

974,290 1,557,699 1,563,532 2,049,161 2,088,545 2,641,608 2,663,755

13= sd{rf/L af]g;

Aoj:yf 88,572 141,609 141,609 186,287 186,287 240,146 242,160

14= cfos/ Aoa:yf 261,576 420,036 421,494 558,770 569,380 707,799 712,832

o; jif{sf] s/ Joj:yf 259,346 426,730 428,093 562,159 572,751 - 712,832

ljut jif{;Ddsf] s/

Joj:yf - 549 549 - - - -

o; jif{sf] :yug s/

cfDbfgL÷-vr{_ 2,231 (7,243) (7,148) (3,388) (3,372) - -

v"b gfkmf÷gf]S;fg 624,141 996,054 1,000,429 1,304,103 1,332,878 1,693,663 1,708,763

z]o/ ;+Vof 2,55,02,400 3,06,02,880 3,06,02,880 6,89,76,340 6,89,76,340 8,00,12,554 8,00,12,554

k|lt z]o/ cfDbfgL -?=_ 24.47 32.55 32.55 26.31 26.31 21.17 21.17

Gff]6 M @)&% cfiff9 d;fGtsf] ljQLo ljj/0f Jofj:yfkgaf6 k|dfl0ft n]vfkl/If0f x'g afFls /x]sf] 5 .

gfkmf gf]S;fg af8Fkmf8F lx;fa

?= xhf/df

ljj/0f @)&!÷)&@ @)&@÷)&# @)&#÷)&$

cfDbfgL a}+s a}+s PsLs[t a}+s PsLs[t

!= ut jif{;Ddsf] ;+lrt d"gfkmf 28,340 1,324 1,324 2,891 7,233

@= o; a{ifsf] d'gfkmf 624,141 996,054 1,000,429 1,304,103 1,332,878

#= afudtL 8]e]nkd]G6 a}+ssf] ;+lrt gfkmf - -

2,350 2,350

$= ;6xL 36a9 sf]if - -

-

%= k'FhL hu]8f sf]if - -

38,675 38,675

^= z]o/ lk|ldod 10,564 -

168,728 168,728

hDdf 663,045 997,378 1,001,752 1,516,747 1,549,863

vr{ != ut jif{;Ddsf] ;+lrt gf]S;fg - -

-

@= o; jif{sf] gf]S;fg - -

-

#=;fwf/0f hu]8f sf]if 124,828 199,212 199,212 260,824 260,824

$=e}k/L cfpg] hu]8f - -

-

%=;+:yf ljsf; sf]if - -

-

^= nfefFz ;dLs/0f sf]if - -

-

&=sd{rf/L bIftf cLej[l4 sf]if - -

611 611

*= k|:tfljt nfefFz 26,845 36,240 36,240 -

(=k|:tfljt af]g; z]o/ 510,048 688,565 688,565 1,103,621 1,103,621

25

!)= ljz]if hu]8f sf]if - 11,922 11,923 -

!!= ;6xL 36a9 sf]if - 995 995 1,861 1,861

!@= k'FhL lkmtf{ hu]8f sf]if - 52,857 52,857 52,857 52,857

!#= ;+:yfut ;fdflhs pQ/bfloTj sf]if - - - 13,041 13,041

!$= :yug s/ hu]8f - 2,592 2,592 3,388 3,388

!%= nufgL ;dfof]hg sf]if - 2,195 2,195 (205) (205)

hDdf 661,721 994,578 994,578 1,435,998 1,435,998

!%= ;l~rt d'gfkmf÷-gf]S;fg_ 1,324 2,799 7,174 807,489 113,865

!^=lgl:s|Lo shf{ cg'kft 0.07 0.019 0.019 0.01 0.01

!&=k|lt z]o/ cfDbfgL 24.47 32.55 32.55 26.31 26.31

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

cjlwsf] nflu cfGtl/s n]vfk/LIfsaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0fM

jf;nft @)&% cfiff9 d;fGt

-?= xhf/df_

k"FhL tyf bfloTj @)&$÷&%

cfiff9 d;fGt;Dd

z]o/ k"FhL 80,01,255 hu]8f tyf sf]ifx? 15,44,873 C0fkq tyf a08 3,70,000 ltg{ afFsL shf{ ;fk6 3,58,950 lgIf]k bfloTj 7,91,83,347 e'QmfgL lbg'kg]{ lanx? - k|:tfljt nfef+z 12,00,188 cfos/ bfloTj - cGo bfloTj 11,73,008 s"n bfloTj 9,18,31,622

;Dklt tyf hfoh]yf

gub df}Hbft 10,82,296 g]kfn /fi6« a}+sdf /x]sf] df}Hbft 55,97,468 a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 465,402 Dffu tyf cNk ;"rgfdf k|fKt x'g] /sd - nufgL 1,36,31,273 shf{ ;fk6 tyf lan vl/b 6,86,63,692 l:y/ ;DklQ 9,38,397 u}/ a+}ls+é ;DklQ - cGo ;DklQ 14,53,095

s'n ;DklQ 9,18,31,622

gfkmf gf]S;fg lx;fa

-@)&$ >fj0f ! ut] b]lv @)&% cfiff9 d;fGt_

-?= xhf/df_

ljj/)f @)&$÷&%

cfiff9 d;fGt;Dd

1=Aofh cfDbfgL 80,31,544 2=Aofh vr{ 50,92,489 s"n Aofh cfDbfgL 29,39,055 3=sld;g tyf l*:sfpG^ 185,958

26

Gff]6 M @)&% cfiff9 d;fGtsf] ljQLo ljj/0f Jofj:yfkgaf6 k|dfl0ft n]vfkl/If0f x'g afFls /x]sf] 5 .

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

M cfDbfgL / vr{sf] lx;fadf s'g} zLif{sdf 7"nf] dfqfdf kl/jt{g gePsf] .

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

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

5÷5}g ;f] ;DaGwdf ;~rfnsx?sf] wf/0ffM kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft\

;+ul7t ;+:yfsf] sf/f]af/df, gfkmf gf]S;fg, ;DklQsf] d"No jf cfufdL !@ dlxgfsf] bfloTj

e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5}g .

-r_= cfly{s jif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLs[lt x'g] ldlt

;Dddf jf;nftsf] ldlt kl5sf] 36gfsf] af/]df 5'§} hfgsf/L ljj/0fkqdf ;dfj]z ug'{ kg]{M

gePsf] .

-5_= ljut % jif{df ;DklQsf] k'gd"{NofFsg ul/Psf] 5÷5}g, olb ul/Psf] ePM

-c_ ;DklQsf] ljj/0f,

-cf_ ;DklQsf] k"gd"{Nof+sg cl3 / kl5sf] lstfaL d"No

-O{_ k"gd"{Nofsgsf] cf}lrTo,

ljut % jif{df ;DklQsf] k'gd"{Nof+sg ul/Psf] 5}g .

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

tLg jif{sf] k|If]lkt jf;nft

-?= xhf/df_

k"FhL tyf bfloTj

k|If]lkt

@)&%÷)&^ @)&^÷)&& @)&&÷)&*

z]o/ k"FhL 80,01,255 92,01,444 107,65,689

4=cGo ;+rfng cfDbfgL 519,160 5=;^xL #â( cfDbfgL 282,481 s"n ;+rfng cfDbfgL 39,26,654 6=sd{rf/L vr{ 540,365 7=cGo ;+rfng vr{ 530,351 8=;^xL #â( gf]S;fgL - ;Defljt hf]lvd Joj:yfclwsf] ;+rfng d"gfkmf 28,55,939 9= ;Defljt hf]lvd Joj:yfx? 246,812 ;+rfng d"gfkmf 26,09,127 10= u}/ ;+rfng cfDbfgL/ gf]S;fgL 25,612 11= ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ 7,603 lgoldt ;+rfngaf^ ePsf] d"gfkmf 26,42,342 12= c;fdfGo sf/f]jf/af^ ePsf] d"gfkmf/ -3f6f_ (734) ;Dk")f{ sf/f]jf/ ;dfj]zkl%sf] v"b d"gfkmf 26,41,608 13= sd{rf/L af]g; Aoj:yf 240,146 14= cfos/ Aoa:yf 707,799 rfn' aif{sf] ?=713,689 - :yug s/ ?= -5,891_ - v"b gfkmf÷gf]S;fg 16,93,663 z]o/ ;+Vof 8,00,12,554 k|lt z]o/ cfDbfgL -?=_ 21.17

27

hu]8f tyf sf]ifx? 20,26,201 25,68,167 33,20,492

C0fkq tyf a08 23,70,000 23,70,000 23,70,000

ltg{ afFsL shf{ ;fk6 6,00,000 7,00,000 8,00,000

lgIf]k bfloTj 9,98,50,000 12,53,00,000 15,74,00,000

e'QmfgL lbg'kg]{ lanx? - - -

k|:tfljt nfef+z 16,00,251 20,24,318 23,68,452

cfos/ bfloTj - - - cGo bfloTj 12,67,443 13,30,815 13,98,323 s"n bfloTj 11,57,15,151 14,34,94,744 17,84,22,955

;Dklt tyf hfoh]yf

gub df}Hbft 17,97,000 23,06,000 29,48,000 g]kfn /fi6« a}+sdf /x]sf] df}Hbft 6113200 7675,600 9650,300 a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 605,022 786,529 10,22,488 Dffu tyf cNk ;"rgfdf k|fKt x'g] /sd - - - nufgL 17020,655 2,13,93,789 2,75,61,926 shf{ ;fk6 tyf lan vl/b 8,77,11,800 10,87,56,800 13,45,20,000 l:y/ ;DklQ 9,85,317 10,34,,583 10,86,312 u}/ a+}ls+Ë ;DklQ - - - cGo ;DklQ 14,82,157 15,41,443 16,33,930

s'n ;DklQ 11,57,15,151 14,34,94,744 17,84,22,955

tLg jif{sf] k|If]lkt gfkmf gf]S;fg lx;fa

-?= xhf/df_

ljj/)f k|If]lkt

@)&%÷)&^ @)&^÷)&& @)&&÷)&*

1=Aofh cfDbfgL 10,200,060 12,750,076 15,810,094 2=Aofh vr{ 6,538,386 8,192,982 10,159,298 s"n Aofh cfDbfgL 3,661,675 4,557,093 5,650,796

3=sld;g tyf l*:sfpG^ 241,746 302,182 374,706 4=cGo ;+rfng cfDbfgL 648,950 798,209 973,815 5=;^xL #â( cfDbfgL 324,853 367,084 414,805 s"n ;+rfng cfDbfgL 4,877,224 6,024,568 7,414,121

6=sd{rf/L vr{ 702,474 913,216 1,187,181 7=cGo ;+rfng vr{ 662,938 828,673 1,035,841 8=;^xL #â( gf]S;fgL - - - ;Defljt hf]lvd Joj:yfclwsf] ;+rfng d"gfkmf 3,511,812 4,282,679 5,191,099 9= ;Defljt hf]lvd Joj:yfx? 250,000 260,000 298,000 ;+rfng d"gfkmf 3,261,812 4,022,679 4,893,099

10= u}/ ;+rfng cfDbfgL/ gf]S;fgL 35,857 43,029 51,634 11= ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ - - - lgoldt ;+rfngaf^ ePsf] d"gfkmf 3,297,669 4,065,708 4,944,734

28

12= c;fdfGo sf/f]jf/af^ ePsf] d"gfkmf/ -3f6f_ - - - ;Dk")f{ sf/f]jf/ ;dfj]zkl%sf] v"b d"gfkmf 3,297,669 4,065,708 4,944,734

13= sd{rf/L af]g; Aoj:yf 299,788 369,610 449,521 14= cfos/ Aoa:yf 899,364 1,108,829 1,348,564

o; jif{sf] s/ Joj:yf 899,364 1,108,829 1,348,564 ljut jif{;Ddsf] s/ Joj:yf - - - o; jif{sf] :yug s/ cfDbfgL÷-vr{_ - - -

v"b gfkmf÷gf]S;fg 2,098,516 2,587,269 3,146,649

tLg jif{sf] k|If]lkt gfkmf gf]S;fg af8FkmfF8 lx;fa

-?= xhf/df_

k|If]lkt

ljj/0f @)&%÷)&^ @)&^÷)&& @)&&÷)&*

cfDbfgL

!= ut jif{;Ddsf] ;+lrt d"gfkmf 163,579 165,862 129,876

@= o; jif{sf] d"gfkmf 2,098,516 2,587,269 3,146,649

#= z]o/ k|ldod - - -

$= ;6xL 36a9 sf]if - - - hDdf 2,262,095 2,753,131 3,276,525 vr{

!= ut jif{;Ddsf] ;+lrt gf]S;fg @= o; jif{sf] gf]S;fg #=;fwf/0f hu]8f sf]if 419,703 517,454 629,330

$=e}k/L cfpg] hu]8f - - - %=;+:yfljsf; sf]if - - - ^= nfefFz ;dLs/0f sf]if - - - &=sd{rf/L ;DaGwLhu]8fx? - - - *= k|:tfljt gub nfefFz 400,063 460,072 538,284 (=k|:tfljt af]g; z]o/ 1,200,188 1,564,245 1,830,167 !)= ljz]if hu]8f sf]if - - !!= ;6xL 36a9 sf]if 2,436 2,753.13 3,111 !@= k'FhL lkmtf{ hu]8f sf]if 52,857 52,857 52,857 !#= ;+:yfut ;dflhs pQ/bfloTj sf]if 20,985 25,873 31,466 !$= :yug s/ hu]8f - - - !%= nufgL ;dfof]hg sf]if - - - hDdf 2,096,233 2,623,254 3,085,216 !%= ;l~rt d'gfkmf÷-gf]S;fg_ 165,862 129,876 191,309

ljQLo k|If]k0fsf cfwf/x? tyf tl/sf M

a}+sn] cfly{s jif{ )&$÷)&% df lgIf]k tkm{ #^ k|ltzt tyf shf{ tkm{ #$ k|ltztsf] j[l4 u/]sf] 5 .

To:t} laut tLg jif{df shf{ tyf lgIf]ksf] cf};t a[l¢ #%Ü sf] xf/fxf/Ldf b]lvG5 . ;f]lx cfwf/df

cfufdL jif{x?df ;d]t b]xfo adf]lhd a[l¢ xfl;n ug{ sl7gfO{ gx'g] cg'dfg ug{ ;lsG5 . ;fy} a}+sn] ut

cfly{s jif{df lj:tf/ u/]sf] gofF zfvfx? ;~rfngdf cfO;s]]sf]n] cfufdL # jif{df cg'dfg ul/Psf]

;~rfng cfDbfgL tyf d'gfkmf ;lhn} k|fKt ug{ ;lsg]df a}+s lj:j:t /x]sf] 5 .

ljj/0f

@)&%÷)&^ @)&^÷)&& @)&&÷)&*

!= s'n lgIf]kdf a[l4b/ % 26.10 25.49 25.62

29

@= s'n shf{ ;fk6df cf};t a[l4b/ % 27.74 23.99 23.69 #= shf{ / lgIf]ksf] c'gkft k|ltztdf % 79.50 78.88 77.96 $= ;+rfng vr{df a[l4b/ % 25.00 25.00 25.00 %= cfos/ Aoj:yf % 30 30 30 ^= lgIf]ksf] nfut % 7.37 7.01 6.86 &= shf{ tyf nufgLsf] k|ltkmn % 12.26 12.20 12.19 *= s"n shf{df lgis[o shf{sf] cg'kft % 0.02 0.02 0.02 (= gub df}Hbft cg'kft (CRR) % 4.10 4.10 4.10 !)=a}wflgs t/ntf cg'kft (SLR) % 11.00 11.00 11.00 !!= k"+lhsf]if cg"kft % 12.93 12.13 11.49

dfly pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf]

ljQLo ahf/sf] l:ylt, lgisfzgstf{ sDkgLsf]] xfnsf] bIftf / lgisfzgstf{ sDkgLn]] k|fKt u/]sf]

xfn;Ddsf] sfo{ k|ultsf] cfwf/df k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL k|dfl0ft ug]{ ljz]if1 >L ;'hg

sfˆn] P08 P;f]l;P6\;sf rf6{8{ PsfpG6]G6 >L ;'hg sfˆn] /xg' ePsf] 5 .

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

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

cj:yfdf ;~rfng cjlwsf] tyf cfufdL tLg jif{sf] k|If]lkt k|lt z]o/ cfDbfgL -EPS_ tyf k|lt z]o/

g]6jy{ lgDgfg';f/ 5 .

?=xhf/df

ljj/0f

jf:tljs

ckl/is[t

k|If]lkt

@)&!÷)&@ @)&@÷)&# @)&#÷)&$ @)&$÷)&% @)&%÷)&^ @)&^÷)&& @)&&÷)&*

r'Qmf k"FhL 25,50,240 30,60,288 68,97,634 80,01,255 80,01,255 92,01,444 1,07,65,689

k|:tfljt af]g; z]o/ 5,10,048 6,88,565 11,03,621 - 12,00,188 15,64,245 18,30,167

hu]8f sf]if 370,406 6,41,655 10,59,578 15,44,873 20,26,201 25,68,167 33,20,492

s"n 34,30,694 43,90,508 90,60,833 95,46,128 1,12,27,644 1,33,33,856 1,59,16,348

36fpg] M ckn]vg ug{

afFsL vr{ - - - - - - -

s"n g]6jy{ 34,30,694 43,90,508 90,60,833 95,46,128 1,12,27,644 1,33,33,856 1,59,16,348

z]o/ ;+Vof -xhf/df_ 30,602.88 37,488.53 80,012.55 80,012.55 92,014.44 1,07,656.89 1,25,958.56

k|lt z]o/ g]6jy{ 112=10 117=12 113=24 119=31 122=02 123=86 126=36

g]6jy{df k|ltkmn

-Ü_ 18.19 22.69 14.39 17.74 18.69 19.40 19.77

lgisfzgk"j{sf] k|lt z]o/ cfDbfgL / o; sf/0f j[l4 x'g] g]6jy{df cfjZos k|ltkmn M nfu'gx'g] .

-v_= ljut # jif{sf] g]6jy{df ePsf] cf}ift k|ltkmn M

jf:tljs ckl/is[t k|If]lkt

ljj/0f @)&!÷)&@ @)&@÷)&# @)&#÷)&$ @)&$÷)&% @)&%÷)&^ @)&^÷)&& @)&&÷)&*

k|lt z]o/ cfDbfgL -?=_ 24.47 32.55 26.31 21.17 26.23 28.12 29.23

k|lt z]o/ g]6jy{ -?_ 112=10 117=12 113=24 119=31 122=02 123=86 126=36

g]6jy{df k|ltkmn -Ü_ 18.19 22.69 14.39 17.74 18.69 19.4 19.77

30

!) lwtf]kq lgisfzg ;DaGwL ljj/0f M

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

o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] æ!)Ü ;flgdf l8a]Gr/ @)*%Æ lgisfzgsf] d"Vo p2]Zo a}+ssf]

Joj;fo j[l4sf] nflu /x]sf] 5 / o;sf] nflu yk k"/s k"FhLsf] (Tier II Capital) cfjZostf k/]sf]

x'bf k"FhLsf nflu l8a]Gr/ hf/L ul/Psf] 5 .

v= lwtf]kq lgisfzgaf6 k|fKt k"FhLsf] pkof]uM

s_ lgisfzgaf6 k|fKt x'g] s"n /sdnfO{ s;/L / s'g If]qdf k|of]u ul/g] 5, tT;DaGwL ljj/0fM

o; lgisfzg af6 k|fKt x'g] /sd ?= $) s/f]8 nfO{{ g]kfn /fi6« a+}ssf] tyf sDkgLsf]

cfGtl/s lgltsf] clwgdf /lx Aoj;fo la:tf/sf] nflu lgDg cg';f/ pkof]u ul/g]5 .

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

! shf{ nufgL #@ s/f]8

@ t/ntf tyf Aoj;fo la:tf/ * s/f]8

hDdf $) s/f]8

v_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] nflu

p2]Zo k|fKtL ug{sf] nflu ckgfOg] a}slNks Joj:yfM

?=@ ca{ a/fa/sf] k|lt C0fkq ?=!,))).– c+lst d"Nosf @),)),))) lsQf dWo] $ nfv

lsQf l8a]Gr/n] x'g cfpg] s'n ?= $) s/f]8 C0fk"FhL /sd -%Ü cyf{t @),))) lsQf

;fd'lxs nufgL sf]ifsf nflu 5'§ofO{Psf] ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu, ;fj{hlgs

lgisfzg af6 laqmL ul/g]] . olb s'g} kIfn] ;f] kIfnfO{ 5'6\ofOPsf] C0fkq vl/b gu/]df ;f]

C0fkq csf]{ kIfnfO{ laqmL ul/g]5 .

u_ cfof]hgfsf] ;~rfng :yfg, cfof]hgf r/0fa4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf

nfUg] vr{, s'g} r/0f ;dfKt e};s]sf] eP ;f] ;DaGwL ljj/0f pNn]v ug'{ kg]{M

;f] gePsf] .

3_ cfof]hgf ;DkGg x'g], k/LIf0f pTkfbg z'? x'g] / k"0f{ Joj;flos pTkfbg z'? x'g]

cg'dflgt ldlt pNn]v ug'{ kg]{ M

nfu" gx'g] .

ª_ ;+ul7t ;+:yfn] s'g} pks/0f vl/b u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"No jf

k|:tfljt d"No, ;Knfo;{sf] gfd / ;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d"Vo d"Vo

a'Fbfx? M

nfu" gx'g] .

r_ s'g} kf6L{;Fu k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, /f]oN6L, ;xsfo{ ;DaGwdf jf ljQLo jf

k|fljlws ;Demf}tf ul/Psf] eP ;f] sf] k|d'v zt{x? / kf6L{sf] gfd, 7]ufgf ;DaGwL lj:t[t

ljj/0f M

;Demf}tf gul/Psf] .

5_ pTkfbg ;DaGwL cfof]hgf eP ;f] sf] k|s[lt, k|of]ustf{, k|lt:kwf{, nlIft ;d"x, pTkfbg

Ifdtf, ljut jif{x?sf] Ifdtf pkef]u jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M

;f] gePsf]

h_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M

nfu" gx'g] .

em_ cfof]hgsf] nflu cfjZos x'g] ljB't, kfgL, UoFf;sf] dfqf / To;sf] >f]t M

nfu" gx'g] .

31

`_;fj{hlgs lgisfzgsf] nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg]

z'Nsx? 5'§f5'§} ?kdf k|:t't ug'{ kg]{ .

-c_ lgisfzg tyf laqmL k|aGws M

o; ljj/0fkq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fdf laqmL ul/g] C0fkqsf] lgisfzg

tyf laqmL k|aGws ;DaGwL sfo{sf nflu lgo'Qm sf7df08f} Soflk6n dfs]{6 lnld6]8,

sdnfbL, sf7df08f}++nfO{ pQm ;]jf k|bfg u/] afkt Psd'i7 ?= !,%),)))÷– -?= Ps

nfv kfrf; xhf/_ ;]jf z'Nssf] ?kdf lbOg]5 .

-cf_ 6«li6 -l8j]Gr/÷a08 lgisfzgsf] xsdf_ M

l8a]Gr/ 6«li6sf] ;]jf k|bfg u/] afkt sf7df08f} Soflk6n dfs]{6 lnld6]8nfO{ jflif{s ?=

!),)))÷– ;]jf z'Nssf] ?kdf lbOg]5 .

-O_ k|Tofe"ltstf{ M;f] gePsf] .

-O{_ lj1x? M

o; ljj/0fkqdf pNn]v ul/Psf] ljQLo ljj/0f tof/ kfg]{ lj1df ;flgdf a}+s lnld6]8

cfkm}+ /x]sf] 5 / o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f

tyf k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ;f] cfwf/df tof/ ljQLo

k|If]k0fsf ljj/0f oyf{yk/s /x]sf] egL k|dfl0ft ug]{ ljz]if1df >L ;'hg sfˆn] P08

P;f]l;P6\;sf rf6{8{ PsfpG6]G6 >L ;'hg sfˆn] /xg' ePsf] 5 .

-p_ n]vfkl/Ifs M

;f] g/x]sf] .

-pm_ cGo M

;+sng s]Gb|nfO{ cfj]bg kmf/d ;lxt /sd ;+sng u/] jfkt ;+slnt /sddf )=!)Ü

-z"Go bzdna b; k|ltzt_ ;]jf z'Ns, afF8kmfF6df gk/]sf] C0fkq jfktsf] /sd

cfj]bsx?nfO{ lkmtf{ e'QmfgL lb+bf lkmtf{ e'Qmfg ePsf] /sddf )=!)Ü -z"Go bzdna

b; k|ltzt_ ;]jf z'Nssf] ?kdf lbg] Joj:yf ul/Psf]5 . ;fy} C0fkqwgLx?nfO{

C0fkq DMAT vftfdf hDdf ul/lbg] Joj:yf ul/Psf] 5 .

u= ;fj{hlgs lgisfzgaf6 k|fKt x'g] /sdnfO{ kl/of]hgfdf k|of]u ug'{ k"j{ cGo s'g} Joj:yf

ug{ nfluPsf] 5 eg] tt\ ;DaGwL ljj/0f M

;f] gePsf] .

3= lk|ldoddf lwtf]kq hf/L ug]{ ePdf M

C0fkqsf] d"Nodf lk|ldod yk ul/Psf] 5}g .

ª= lwtf]kqsf] afF8kmfF8, lkmtf{ e'QmfgL tyf ;"rLs/0f ;DaGwL ljj/0f M

-s_ cTolws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmFf8sf] k|s[of M

o; ljj/0fkq dfkm{t hf/L ul/Psf] C0fkq ;+Vof eGbf a9L ;+Vofdf C0fkq vl/bsf]

nflu cfj]bg k|fKt x'g cfPdf k|rlnt sfg"gdf ePsf] Joj:yf adf]lhd afF8kmfF6

ul/g]5 . o; ljj/0fkq cg';f/ C0fkq laqmL v'Nnf cjlw;Dd klg cfx\jfg u/]sf]

C0fkq v/Lb ug{sf] nflu cfj]bg k|fKt gePdf k|fKt ePsf] cfj]bg hltsf] dfq}

C0fkq afF8kmfF8 u/L C0fkq /sd ;+sng ul/g]5 .

-v_ cTolws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DaGwL Joj:yf M

o; ljj/0f–kq cg';f/ hf/L ul/Psf] C0fkqx? k|rlnt lwtf]kq btf{ tyf lgisfzg

;DaGwL Joj:yf cg';f/ lgwf{l/t ;doleq afF8kmfF8 u/L k"0f{ jf cf+lzs ?kdf

:jLs[t÷c:jLs[t ePsf] Joxf]/f hgfOPsf] afF8kmfF8kq / lkmtf{ e'QmfgL k"hf{ jf r]s

lbOg]5 .

-u_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Jofhb/ M

k|rlnt lwtf]kq btf{ tyf lgisfzg ;DaGwL Joj:yf cg';f/ tf]lsPsf] lbgleq

C0fkqsf] afF8kmfF8kq / lkmtf{ e'QmfgL lbg g;lsPdf C0fkqsf] laqmL aGb ePsf]

ldltb]lv e'QmfgL lbg z'? u/]sf] cl3Nnf] lbg;Ddsf] cjlwdf lwtf]kq lgisfzg tyf

32

afF8kmfF8 lgb{]lzsf, @)&$ df ePsf] k|rlnt Joj:yf cg';f/ ;/sf/L C0fkqsf]

k|rlnt clGtd Jofhb/sf] cfwf/df x'g cfpg] Jofh;lxt lx;fa u/L /sd lkmtf{

e'QmfgL ul/g]5 .

-3_ lwtf]kq jfF8kmFf6 tyf k|df0fkq hf/L ;DjGwL k|s[of / ;dofjlw M

o; ljj/0fkq cg';f/ hf/L ul/Psf] C0fkqx? lwtf]kq btf{ tyf lgisfzg lgodfjnL,

@)&# tyf g]kfn lwtf]kq af]8{sf] k|rlnt Joj:yf cg';f/ lgwf{l/t ;do leq afF8kmfF8

u/L k"0f{ jf cf+lzs ?kdf :jLs[t÷c:jLs[t ePsf] Joxf]/f hgfO k|rlnt Joj:yf

cg';f/ lgwf{l/t cjlwleq afF8kmfF8 af6 sfod ePsf C0fkqwgLx?nfO{ k|df0fkq hf/L

ul/g]5 .

-ª_ lwtf]kq ;"rLs/0f eO{ ;s]sf] eP, To:tf] lwtf]kq ;"lrs/0f ul/Psf] lwtf]kq ahf/sf]

gfd / lwtf]kqsf] sf/f]jf/ z'? x'gsf] nflu ;+ul7t ;+:yfn] k"/f ug{'kg]{ zt{x? ;DjGwL

ljj/0f M

>L g]kfn :6s PS;r]Gh lnld6]8df o; a}ssf] z]o/ ldlt @)^#÷)*÷@( ut] ;flgdf

ljsf; a}ssf] gfdaf6 ;"lrs/0f eO sf/f]af/ ePsf] / ;flgdf a}+s lnld6]8sf] gfddf ldlt

@)^*÷!!÷!@ ut] b]lv sf/f]af/ eO/x]sf] 5 .

-r_ lwtf]kq ;"rLs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kq

k|rlnt P]g lgod cg';f/ ;xh v/Lb, laqmL jf ljlgdo x'g ;Sg] u/fpgsf nflu ul/g]

Joj:yf ;DjGwL ljj/0f M

o; ljj/0fkq cg';f/ hf/L ul/Psf] C0fkqx? lwtf]kq lgisfzg tyf afF8kmfF8

lgb{]lzsf, @)&$ df ePsf] Joj:yf cg';f/ g]kfn :6s PS;r]Gh lnld6]8df k|rlnt

;"lrs/0f ;DaGwL Joj:yf cg';f/ ;"lrs/0f tyf l;l8P; P08 lSnol/Ë lnld6]8df

lwtf]kq btf{ u/fO{ z]o/ vl/b ljlqmsf] Joj:yf ldnfO{g]5 .

r= C0fkq k|Tofe"lt ;DaGwL ljj/0f M

o; ljj/)f–kq dfkm{t lgisfzg ul/Psf] C)fkqx?df k|Tofe'lt ul/Psf] %}g .

5= cfj]bg lbFbf Wofg lbg'kg]{ s'/fx? M

!_ o; ljj/0f–kq cg';f/ lgisfzg ul/Psf] C0fkq v/Lbsf] nflu cfj]bg u/L C0fkq

afF8kmfF8 eP kZrft\ sfod C0fkqwgLx?n] a}+ssf] ;fwf/0f ;efdf efu lng / dtbfg

ug{ kfpg] 5}gg\ .

o; ljj/0f–kq cg';f/ hf/L ul/Psf] l8a]Gr/ lwtf]kq btf{ tyf lgisfzg

lgodfjnL @)&# df ePsf] Joj:yf ePsf] cg';f/ afF8kmfF8 u/L tf]lsPsf] cjlw

leq Demat ul/ g]kfn :6s PS;r]Gh lnld6]8, l;+xb/jf/ Knfhf, sf7df08f}df

;"rLs/0f ;DaGwL lgod adf]lhd ;"rLs/0f u/fO{ vl/b laqmLsf] Joj:yf ldnfO{g] 5.

@_ sfof{no ;do leq lgDg lnlvt :yfgx?df sDkgLsf] k|aGwkq tyf lgodfjnL

tyf ljj/0f kq lg/LIf0f ug{ ;lsg]5 .

sDkgLsf] /lhi68{ sfof{no, afudtL c~rn, sf7df8f}+ lhNnf sf7df8f}+

dxfgu/kflnsf, j8f g+= !, cnsfk'/L ,gS;fn .

lwtf]kq lgisfzg tyf laqmL k|jGws sf7df08f}+ Soflk6n dfs]{6

lnld6]8, sdnfbL, sf7df8f}++}+ .

#_ s'g} klg g]kfnL gfu/Lsn] :jLs[t ljj/0fkq dfkm{t hf/L ul/g] C0fkq vl/b ug{sf]

nflu b/vf:t lbg rfxg]x?n] g]kfn lwtf]kq af]8{af6 cg'dlt lnO{ lwtf]kqsf]

;fj{hlgs lgisfzgsf] s]lGb|s[t ljB'tLo ;]jf ;DaGwL sfo{ ;~rfng lgb]{lzsf,

@)&$ adf]lhd ;fj{hlgs lgisfzgdf Centralized Application for ASBA Based

Issuance (CASBA) k|0ffnL dfkm{t cfj]bg ;+sng ug{ cfjå cf:jf ;]jfdf ;xeflu

a}+s tyf ljlQo ;+:yf tyf ltgsf zfvf sfof{noaf6 cfj]bg lbg ;Sg]5g\ . o;/L

cfj]bg lng ;Sg] a}+s tyf ljlQo ;+:yfsf] ljj/0f l;l8P; P08 lSnol/Ë

lnld6]8n] cfˆgf] j]j ;fO6 www.cdscnp.com df Registered Banks in C-ASBA

cGt{ut pNn]v u/]sf] 5 .

33

b/vf:tjfnfn] l8a]Gr/ vl/bsf nflu b/vf:t lb+bf "lwtf]kq lgisfzg tyf

afF8kmfF6 lgb]{lzsf, @)&$" sf] bkmf @$ df pNn]v eP adf]lhd b]xfosf ljj/0fx?

:ki6 ?kdf b/vf:t cfj]bg lbg' kg]{5 .

s_ cfj]bg kmf/fddf cfj]bssf] gfd y/ g]kfnL÷c+u|]hLdf pNn]v ul/g'kg]{5 .

v_ cfj]bg lb+bf l8a]Gr/ hf/L ug]{ sDkgLsf] gfd, cfj]bg ul/Psf] ;+Vof, /sd

:ki6 a'lemg] u/L pNn]v ug{' tyf Ps eGbf al9 cfj]bg lbg kfpg] 5}g .

u_ cfkm\gf] a}+s vftf / lxtu|fxL vftf gDa/ ;lx ÷:ki6 ?kdf pNn]v ug'{kg]{5 .

3_ cfj]bsn] cfkm' :jo+sf] lxtu|fxL vftf gDa/ pNn]v ug'{kg]{5 .

ª_ cfj]bg u/]sf] lg:;f÷k|df0f, ;DaGwLt ;+sng s]Gb| -cf:jf ;b:o a}+s tyf

ljQLo ;+:yf_ ;Fu clgjfo{ lng'kg]{ 5

r_ Ps JolQmn] cfk"mn] lng rfx]sf] ;Dk"0f{ z]o/sf] nflu Ps j6f dfq cfj]bg

u/]sf] x'g'kg]{, olb Ps} JolQmn] Ps eGbf a9L cfj]bg lbPsf] e]l6Pdf lghn] lbPsf]

;a} cfj]bgnfO{ /2 ul/g]5 .

5_ /m= !) nfv ;Dd cfj]bg lbg] cfj]bsn] :j]lIfs ?kdf Kofg g+ pNn]v ug'{kg]{5

.

h_ ;Dk"0f{ b/vf:tjfnfx? -gfafnsx? ;d]t_ n] clgjfo{ ?kdf cfk\mgf] vftf /x]sf]

a}+s jf ljQLo ;+:yfsf] gfd, 7]ufgf / vftf g++= ;d]t b/vf:t kmf/fddf v'nfpg'

kg]{5 . o;/L v'nfOPsf] a}+s tyf ljQLo ;+:yf ;dfzf]wg u[xsf] - lSnol/Ë xfp;_

;b:o ePsf] x'g'kg]{5 .

em_ l/tk"j{s k|fKt gePsf] b/vf:t kmf/dnfO{ z]o/ afF8kmfF6df ;dfj]z ul/g] 5}g /

;f] sf] lhDd]jf/ b/vf:tjfnf :jo+ x'g]5 .

$_cf:jf ;]jfdf ;xeflu a}+s tyf ljlQo ;+:yfn] C-ASBA cGt{ut lng] cfj]bgsf]

9fFrf lwtf]kqsf] ;fj{hlgs lgisfzgsf] s]lGb|s[t ljB'tLo ;]jf ;DaGwL sfo{ ;+rfng

lgb]{lzsf, @)&$ sf] cg';"rL % adf]lhd x'g'kg]{5 .

%_= lwtf]kq vl/bsf] nflu b/vf:t lb+bfsf] cj:yfdf jf b/vf:t lbO{ ;s]kl5 vl/b

u/]sf] lwtf]kq afktsf] /sd e'QmfgL gx'+b} k|rlnt sfg'g adf]lhd clwsf/k|fKt

clwsf/L jf lgsfoaf6 nufgLstf{sf] vftf /f]Ssf /fVg] cfb]z k|fKt ePdf lgisfzg

tyf ljlqm k|aGwsn] To:tf] b/vf:t kmf/fdnfO{ /2 ul/g] x'Fbf ;f] s'/fsf] hfgsf/L

cfj]bsn] lngx'g .

^_= o:tf] C0fkqsf nflu cfj]bg lb+bf cfkm'n] vl/b ug{ rfx]sf] k|lt C0fkq jfkt ?=

!,))).— -Ps xhf/_ sf b/n] x'g cfpg] Psd'i7 /sd b/vf:t;fy a'´fpg' kg]{5 .

;f] lsQfsf nflu cfj]bg ug{ rfx]df @% cÍn] efuhfg] ;+Vofdf cfj]bg ug{ ;lsg]5 .

;fy} b/vf:t lbg kfpg] Go"gtd lsQf @% / clwstd $,)),))) lsQf ;Dd cfj]bg

ug{ ;lsg]5 .

!! ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M

lgisfzgstf{ ;+ul7t ;+:yf / lgDg lnlvt kIf aLr ljut @ jif{sf] cjlwdf s'g} k|sf/sf]

j:t'ut sf/f]jf/ ePsf] jf s'g} sf/f]jf/ ug{ k|:tfj ul/Psf] eP sf/f]jf/df ;+nUg JolQmx?sf]

gfd, ltgLx?sf] ;+ul7t ;+:yf ;Fusf] ;DaGw, sf/f]af/sf] k|s[lt / /sd

s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfnssf] ?kdf /x]sf] JolQm M

sf/f]jf/ gePsf] .

v_ cfwf/e"t z]o/wgL M

sf/f]af/ gePsf] .

u_ v08 -s_ / -v_ df pNn]lvt s'g} JolQmsf] Psf3/ kl/jf/ ;b:o M

sf/f]af/ gePsf] .

3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfns jf cfwf/e"t z]o/wgLn] #) k|ltzt

jf ;f] eGbf a9L dtflwsf/ x'g] u/L z]o/ :jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t

;+:yfM

34

;f] gePsf] .

ª_ ;+ul7t ;+:yf jf To;sf] ;xfos sDkgLn] xfnsf] ;~rfns jf lghsf] Psf3/sf]

kl/jf/sf] ;b:osf nflu s'g} sf/f]jf/ jf ;Demf}tf u/]sf] 5 eg] ;f] jf ljj/0fkq

k|sfzg ug'{ eGbf # jif{ cufl8sf] cjlwdf ;+:yfsf] ;~rfns jf ;~rfnssf] Psf3/

kl/jf/sf] ;b:osf nflu s'g} sf/f]af/ jf ;Demf}tf u/]sf] eP ;f] s'/f M

;f] gePsf] .

r_ s'g} ;~rfns jf ;~rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu

lnPsf] eP pQm C0f e'QmfgL cjlw cflb s'/f ljj/0fkqdf v'nfpg' kg]{ M

;f] gePsf] .

!@ ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f M

s_ ljb]zL nufgL / Joj:yfkgdf ;+ul7t ;+:yf ;~rfng x'g] eP ;f] sf] ljj/0fsf ;fy} ;DalGwt

;Demf}tfsf] d'Vo tyf tflTjs a'Fbfx? M ljb]zL nufgL / Joj:yfkgdf ;+ul7t ;+:yf ;~rfng

gx'g] .

!# ;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] sf] ljj/0f M

s_ ;+ul7t ;+:yfsf] ljut # cfly{s jif{sf] k|To]s q}dfl;s cjlwsf] pRrtd, Go"gtd, clGtd

ahf/ d"Nosf ;fy} sf/f]af/ ePsf] z]o/ ;+VofM

cfly{s aif{ clwstd z]o/ Go"gtd z]o/ clGtd z]o/ z]o/ sf/f]jf/ z]o/

;+Vof

d'No -?=_ d'No -?=_ d'No -?=_ -xhf/df_

!_ @)&@÷&#

klxnf] q}dfl;s 865 645 672 409 bf];|f] q}dfl;s 680 628 670 301 t];|f] q}dfl;s 825 760 806 532 rf}yf] q}dfl;s 790 665 750 577 @_ @)&#÷&$

klxnf] q}dfl;s 775 640 652 409 bf];|f] q}dfl;s 560 498 539 252 t];|f] q}dfl;s 579 465 476 1,903 rf}yf] q}dfl;s 455 407 431 785

#_ @)&$÷&%

klxnf] q}dfl;s 450 326 347 2,120 bf];|f] q}dfl;s 369 331 340 1,025 t];|f] q}dfl;s 380 324 358 1,702 rf}yf] q}dfl;s 386 317 324 1,244

v_ af]8{df ljj/0fkq btf{sf] nflu k|:t't ug'{ eGbf ^ dlxgf cufl8sf] cjlwsf] dfl;s ?kdf pRr,

Go"g / clGtd d"Nosf ;fy} k|To]s dlxgfdf sf/f]jf/ ePsf] s'n lbg / s'n sf/f]af/ ePsf]

lwtf]kq ;+Vof M

dlxgf pRr d'No

?=

Go"g d'No

?=

clGtd d'No

?=

s'n lbg s'n sf/f]jf/ ePsf] lwtf]kq

;+Vof -xhf/df_

kmfu'g 380 343 359 18 624 r}q 368 324 358 20 632

Af}zfv 386 348 356 19 664 h]i7 360 326 334 22 304 cfiff9 338 317 324 22 276 >fj0f 330 305 320 23 279

!$ kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M

35

;+ul7t ;+:yfn] o; eGbf cuf8L lwtf]kq lgisfzg ubf{ tof/ u/]sf] ljj/0fkq jf cGo ljj/0fx?df

pNn]v ul/Psf nIo tyf sfo{qmdx? tyf v'b d'gfkmf xfl;n ug{ ;s]÷g;s]sf], g;s]sf] cj:yfdf

nIo tyf sfo{qmdsf ;fy} ljj/0fkq jf cGo ljj/0fx?df k|If]lkt v'b d'gfkmf eGbf aL; k|ltzt jf ;f]

eGbf a9Ln] Go'g x'g uPsf] eP o;/L km/s kgf{sf] sf/0f M

?= bz nfvdf

k"FhL tyf bfloTj

@)&@÷)&# @)&#÷)&$

s}lkmot

jf:tljs k|If]lkt km/s (%)


z]o/ k"FhL 4,711 3,373 40 8,001 3,946 103 /fi6« a}+ssf] lgb]{zg cg';f/ kF"hL

a[l4 ul/Psf]

hu]8f tyf sf]ifx? 642 766 (16) 1,060 1,017 4

C0fkq tyf a08 370 700 (47) 370 700 -47 k|If]k0fdf pNn]v ul/Psf] eGbf

sd C0fkq af8kmf8 ePsf]n] .

ltg{ afFsL shf{ ;fk6 3,282 1,250 163 611 1,500 -59

k|If]k0fdf pNn]v ul/Psf] eGbf

a9L k'g/shf{ lnPsf]n] / lgIf]kaf6 ;|f]t ;+sng

ul/Psf]n]

lgIf]k bfloTj 46,423 44,500 4 58,228 55,500 5

e'QmfgL lbg'kg]{ lanx? - - - - -

k|:tfljt nfef+z 36 23 57 - 30

jfXo nvfk/LIf0f e}/x]sf]n]

nfef+zsf] /sd lgSof}{n

e}g;s]sf] .

cfos/ bfloTj - -

- -

cGo bfloTj 501 1,354 (63) 1,726 1,454 19

s"n bfloTj 55,965 51,966 8 69,996 64,147 9

;Dklt tyf hfoh]yf gub df}Hbft 683 801 (15) 908 1,005 -10

g]kfn /fi6« a}+sdf

/x]sf] df}Hbft 2,575 2,593 (1) 5,265 3,257 62


yk Joj;fo lj:tf/ ePsf]n]

a}+s÷ljQLo ;+:yfdf

/x]sf] df}Hbft 155 180 (14) 738 190 288

Dffu tyf cNk

;"rgfdf k|fKt x'g]

/sd

- - - - -

nufgL 10,735 8,774 22 9,164 10,639 -14

shf{ ;fk6 tyf lan

vl/b 40,455 37,397 8 51,265 46,732 10

l:y/ ;DklQ 649 500 30 716 500 43 k|If]lkt zfvf lj:tf/ eGbf a9L

zfvf lj:tf/ ePsf]n] .

u}/ a+}ls+é ;DklQ - - - - -

cGo ;DklQ 713 1,722 (59) 1,940 1,825 6

s'n ;DklQ 55,964 51,966 8 69,996 64,147 9

?= bz nfvdf

ljj/)f @)&@÷)&# @)&#÷)&$

s}lkmot

jf:tljs k|If]lkt

km/s (%)


36

1=Aofh cfDbfgL 3,263 2,970 10 5,060 3,420 48 k|If]k0fdf pNn]v ul/Psf] eGbf


2=Aofh vr{ 1,541 1,600 (4) 2,818 1,850 52 k|If]k0fdf pNn]v ul/Psf] eGbf


s"n Aofh cfDbfgL 1,722 1,370 26 2,242 1,570 43

3=sld;g tyf

l*:sfpG^ 89 80 11 155 100 55 k|If]k0f ul/Psf] eGbf sd

6|fGh]S;g a}+lsª tyf cGo

cfDbfgL k|fKt ePsf]n]

4=cGo ;+rfng

cfDbfgL 236 150 57 301 170 77 k|If]k0f ul/Psf] eGbf sd

6|fGh]S;g a}+lsª tyf cGo


5=;^xL #â(

cfDbfgL 154 159 (3) 194 164 18

s"n ;+rfng cfDbfgL 2,200 1,759 25 2,892 2,004 44 k|If]k0fdf pNn]v ul/Psf] eGbf

yk Joj;fo lj:tf/ af6 yk


6=sd{rf/L vr{ 259 230 13 339 260 30 k|If]k0fdf pNn]v ul/Psf] eGbf

yk sd{rf/Lsf] kbk"tL{

ul/Psf]n]

7=cGo ;+rfng vr{ 328 285 15 422 305 38 k|If]k0fdf pNn]v ul/Psf] eGbf


8=;^xL #â(

gf]S;fgL - - - - -

;Defljt hf]lvd

Joj:yfclwsf] ;+rfng

d"gfkmf

1,613 1,244 30 2,131 1,439 48

9= ;Defljt hf]lvd

Joj:yfx? 135 100 35 133 105 27


yk shf{ ;fk6 lj:tf/ ePsf]n].\

.

;+rfng d"gfkmf 1,479 1,144 29 1,998 1,334 50

10= u}/ ;+rfng

cfDbfgL/ gf]S;fgL 63 9 643 48 9 432


yk cGo cfDbfgLsf] ;|f]t k|fKt

ePsf]n]

11= ;Defljt gf]S;fgL

Joj:yfaf^ lkmtf{ 16 -

3 -

lgoldt ;+rfngaf^

ePsf] d"gfkmf 1,558 1,153 35 2,049 1,343 53

12= c;fdfGo

sf/f]jf/af^ ePsf]

d"gfkmf/ -3f6f_

- - - (0) -

;Dk")f{ sf/f]jf/

;dfj]zkl%sf] v"b

d"gfkmf

1,558 1,153 35 2,049 1,343 53

13= sd{rf/L af]g;

Aoj:yf 142 105 35 186 122 53

14= cfos/ Aoa:yf 420 314 34 559 366 53

37

o; jif{sf] s/

Joj:yf 427 312 37 562 364 55

ljut jif{;Ddsf]

s/ Joj:yf 1 -

- -

o; jif{sf]

:yug s/ cfDbfgL÷-

vr{_

(7) 3

(3) 3

v"b gfkmf÷gf]S;fg 996 733 36 1,304 855 53 k|If]k0fdf pNn]v ul/Psf] eGbf

yk Joj;fo lj:tf/ af6 yk

cfDbfgL k|fKt ePsf]n] .

jf:tljs / k|If]lkt ljj/0f dfly pNn]v eP cg';f/ /x]sf] . dfly pNn]lvt ? #& s/f]8 a/fa/sf] &

% ;flgdf l8a]Gr/–@)&(, g]kfn lwtf]kq af8{sf] ldlt @)&@÷)@÷)$ sf] :jLs[lt cg';f/ ldlt

@)&@÷)$÷)! df lgisf;g ul/ ldlt @)&@÷)$÷@) df hf/L ul/Psf] .

!% k/fdz{bftf÷ljz]if1 ;DaGwL ljj/0f M

s_ n]vfk/LIfs, k|d'v a}+s, lgisfzg sfo{;Fu ;+nUg a}+s, k|If]lkt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft

ug]{ lj1 cflbsf] gfd tyf 7]ufgf M

n]vfk/LIfs M

o; sDkgLsf] n]vfk/Ifsdf cf= j= @)&$÷&% sf] nflu P;=P=cf/=P;f]l;P6\;, rf6{8

PsfpG6]G6\; lazfn gu/, afn'jf6f/, sf7df08f}+ /x]sf] 5 .

lgisfzg a}+s (Bankers to the Issue) M

o; ljj/0fkq dfkm{t lgisflzt C0fkqx?sf] nflu lgisfzg a}+s (Bankers to the Issue) sf]

?kdf ;flgdf a}+s lnld6]8, gS;fn, sf7df8f}+ /xg] 5 .

;fy} cfjZostf cg';f/ lgisfzg aGb ePsf] ldltn] # lbg leq af]8{nfO{ hfgsf/L lbO{ cGo

jfl0fHo a}+sx?nfO{ ;d]t o; C0fkq lgisfzgsf] nflu lgisfzg a}+ssf] ?kdf lgo'Qm ug{

;lsg]5 .

ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1 M

o; ljj/0fkqdf pNn]v ul/Psf] ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1df lgisfzg sDkgL cfkm}+

/x]sf] 5 .

ljQLo k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1M

o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf

cfwf/x? k'g/fjnf]sg u/L ;f] cfwf/df tof/ ul/Psf ljQLo k|If]k0fsf ljj/0f oyfy{k/s /x]sf]

egL k|dfl0ft ug]{ ljz]if1 >L ;'hg sfˆn] P08 P;f]l;P6\;sf rf6{8{ PsfpG6]G6 >L ;'hg sfˆn]

/xg' ePsf] 5 .

o; z]o/ lgisfzgsf nflu lgisfzg tyf las|L k|aGwsdf sf7df8f}+ Soflk6n dfs]{6 lnld6]8,

sdnfbL, sf7df08f}nfO{ lgo'Qm ul/Psf] 5 .

v_ dfly v08 -s_ df pNn]lvt ;+:yf jf JolQm;Fu ePsf] ;xdltsf d'Vo d'Vo a"Fbf tyf zt{x? M

n]vfk/LIfs M;f] gePsf] .

lgisfzg a}+s (Bankers to the Issue) M

lgisflzt C0fkqdf nufgLstf{x?af6 k|fKt nufgL /sd lgisfzg a}+s (Bankers to the Issue)

df vf]lnPsf] C0fkq vftfdf hDdf u/L ;f] sf] ;+o'Qm ;'/If0f lgisfzg sDkgL tyf lwtf]kq

lgisfzg tyf laqmL k|aGwssf] /xG5 tfsL ;f] /sd lkmtf{ e'QmfgL ubf{ s'g} k|sf/sf] ´G´6

38

g/xf];\ .

!^ cfof]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisfzg afx]s cGo ljQLo >f]tx? k|of]u ul/Psf] 5÷5}g,

tT;DaGwL ljj/0f M

;f] gePsf] .

!&= d'2f tyf ljjfb ;DaGwL ljj/0f M

s_ ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;~rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2fdfldnf

jf ljjfb eP ;f] ;DaGwL ljj/0f tyf pk/f]Qm d'2f jf ljjfbsf] sf/0faf6 kg{ ;Sg] k|efj

;DaGwdf Joj:yfkgsf] wf/0ff M

xfn ;Dd ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;~rfngdf tflTjs c;/ kg]{ vfnsf] s'g}

d'2fdfldnf jf ljjfb gePsf] .

v_ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;~rfnsn] jf nfO{ bfo/ ul/Psf] d'2f

;DaGwL ljj/0f M

xfn ;Dd ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;~rfnsn] jf nfO{ d'2f bfo/

ul/Psf] 5}g .

u_ ljut kfF+r jif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;~rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf

cfly{s sf/0faf6 s'g} lgodg lgsfo jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;~rfnssf] gfd

/ ;hfo ug]{ lgodg lgsfo jf cbfntsf] gfd pNn]v ug'{ kg]{ M

ljut kfFr jif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;~rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf

cfly{s sf/0faf6 s'g} lgodg lgsfo jf cbfntn] ;hfo u/fPsf] 5}g .

3_ ;+ul7t ;+:yf a}+s jf ljQLo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf],

lwtf]kqjfnfx?sf] s'g} /sd e'QmfgL gul/Psf] eP tT;DaGwL ljj/0fx? M

;f] gePsf] .

!* u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M

lgisflzt lwtf]kq ;DaGwL nufgLstf{x?sf] u'gf;f] tyf ;'emfj ;'Gg tyf ;f] sf] ;dfwfgsf nflu lwtf]kq

lgisfzg tyf laqmL k|aGwssf] sfof{nodf Ps sIfsf] Joj:yf ul/Psf] 5 . sf7df08f} Soflk6sf dr]{G6

a}+ls+u ljefusf >L ;'efif a:g]tnfO{ u'gf;f] ;'Gg] clwsf/Lsf]] ?kdf tf]s]sf] 5 . nufgLstf{x?n] b]xfP

dfWoddfkm{t cfˆgf] u'gf;f] tyf ;'emfj k|]lift ug{ ;Sg]5g\M kmf]g g+= $!^*^#$, E-mail:

[email protected]

!( gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, vl/b ul/Psf]

;DklQ jf ;]jf ;DaGwL ljj/0f, lgisfzg ul/Psf] lwtf]kq ;+Vof / b/ ;DaGwL ljj/0f M

;f] gePsf] .

@) C0fkq lgisfzg ;DaGwL ljj/0f M o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] æ!)% ;flgdf l8a]Gr/

@)*%Æ ;DaGwL cGo hfgsf/L b]xfo adf]lhd /x]sf] 5 .

-s_ o; ljj/0f–kqdfkm{t lgisfzg ug{ nfluPsf] æ!)% ;flgdf l8a]Gr/ @)*%Æ ;DaGwL ljj/0f b]xfo

adf]lhd /x]sf] 5M

-s_ C0fkq lgisfzgsf] zt{ aGb]hx? M C0fkq lgisfzg ;DaGwL zt{ / aGb]h o; ljj/0fkqsf]

a'Fbf gDa/ !)=5(v) df 5 .

-v_ C0fkqsf] cjlw (Maturity Period) M o; C0fkqsf] cjlw C0fkqsf] afF8kmfF6 ePsf]

ldltaf6 !) -b;_ jif{sf] x'g]5 . ;f] cjlwkZrft a}+sn] o; C0fkqsf] ;f+jf / clGtd ls:tfsf]

ltg{ afFsL Jofh /sd Psd'i7 e'QmfgL ug]{5 .

-u_ lgisfzg ul/g] C0fkqsf] /sd M

k|lt C0fkq ?=!,))).— c+lst d"Nosf @) nfv lsQf C0fkqn] x'gcfpg] s'n ?= @ ca{

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a/fa/sf] k|lt C0fkq ?= !,))).– c+lst d"Nosf @),)),))) lsQf dWo] $ nfv lsQfn] x'g

cfpg] s'n ?= $) s/f]8 /sd -%Ü cyf{t @),))) lsQf ;fd'lxs nufgL sf]ifsf nflu

5'§ofO{Psf] ;d]t_ sf] C0fkq ;j{;fwf/0f g]kfnLsf] nflu ;fj{hlgs lgisfzg laqmL ul/g] .

-3_ C0fkq z]o/df kl/jt{g x'g] jf gx'g] M

o; ljj/0fkq cg';f/ lgisfzg ul/g] C0fkq !) jif{sf] cjlwkZrft Psd'i7 ?kdf lkmtf{

ul/g] ePsfn] pQm C0fkq ;fwf/0f z]o/df kl/0ft gx'g] .

-ª_ C0fkqsf] Jofhb/ (Coupon Interest Rate) / Aofh e'QmfgL ug]{ cjwL÷;do (Interest

Payment Period) M o; C0fkqsf] jflif{s Jofhb/ !)Ü x'g]5 . o; C0fkqdf cflh{t Aofh

/sddf cfos/ P]gcg';f/ s/ nfUg]5 . o; C0fkqdf cflh{t Jofh /sd k|To]s cf=j=sf] k|yd

cw{jflif{s -k'; d;fGt_ / låtLo cw{jflif{s -c;f/ d;fGt_ ;dfKt eP kZrft e'QmfgL lbOg]5 .

Jofh /sd e'QmfgL lbbf+ k|yd cw{jflif{s -k'; d;fGt_ ;do;Dd o; C0fkqdf cflh{t Jofh

/sd x/]s cf=j=sf] df3 ! ut]b]lv / låtLo cw{jflif{s -c;f/ d;fGt_ ;do;Dd o; C0fkqdf

cflh{t Jofh /sd cf=j=sf] ;fpg ! ut]b]lv e'QmfgL ul/g]5 .

;fy} o; ljj/0f–kqdfkm{t lgisfzg ug{ nfluPsf] æ!)% ;flgdf l8a]Gr/ @)*%Æ df cfj]bg

ug]{ k|To]s cfj]bsnfO{ lghn] cfj]bg u/]sf] /sddf cfj]bg -/sd ;+sng ePsf]_ ldlt b]lv

C0fkqsf] afF8kmfF6 x'g'eGbf cl3Nnf] lbg;Ddsf] cjlwsf nflu sDkgLn] jflif{s %=))Ü sf

b/n] -cfos/ 36fO{_ lx;fa u/L Aofh lbg]5 . o; C0fkq wf/0f ug]{ k|To]s C0fkqwgLnfO{

Aofh /sd e'QmfgL ug{sf nfuL C0fkqsf] k|df0fkqsf] cnfjf Aofh e'QmfgL k'hf{ (Interest

Coupon) lbOg]5 .

-r_ C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserve) ;DaGwL Aoj:yf M of]

C0fkqnfO{ lgwf{l/t !) jif{sf] ;do cjlw Jolttx'gf;fy e'QmfgL ug{sf nflu a}+sn] aflif{s

d'gfkmfaf6 C0fkq lgisfzg ePsf] kl5Nnf] % jif{ b]lv aL; k|ltztn] afsL % aif{ ;Dd a/fa/

?kdf (Proportionate Period Basis) gfkmf÷gf]S;fg afF8kmfF8 lx;fa vftf (Profit & Loss

Appropriation A/C) af6 C0fkq e'QmfgL sf]if (Debenture Redemption Reserve) sf] Joj:yf

u/L jflif{s ?= $) s/f]8 sf b/n] ;dfg'kflts ?kdf x'g] /sd a}+sn] gf]S;fgL Joxf]g'{ k/]sf]

cj:yfdf ;d]t C0fkq e'QmfgL sf]ifdf /sdfGt/ ul/g]5 . o; C0fkqsf] e'QmfgL u/]kl5

C0fkq e'QmfgL sf]ifdf /x]sf] /sd gfkmf–gf]S;fg afF8kmfF6 lx;fa vftfdf ;fl/g]5 jf g]kfn

/fi6« a}+sn] tf]s] adf]lhd ul/g] 5 . ;fy} sDkgLn] s'g} cfly{s jif{df gfkmf cfh{g ug{ g;s]sf]

v08df ;d]t ;f] jif{df C0fkq e'QmfgL sf]if (Debenture Redemption Fund) df /sdfGt/

ug'{kg]{ /sd ;+lrt gfkmf af6 /sdfGt/ ul/g] 5 .

-5_ C0fkqjfnfx?sf] clwsf/ M

o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq vl/b ug]{ C0fkqjfnfx?nfO{ sDkgL P]g, @)^#

tyf cGo k|rlnt sfg"g adf]lhd C0fkqjfnfnfO{ k|fKt x'g] ;Dk"0f{ xs, ;'ljwf k|fKt x'g]5 . t/

To:tf C0fkqjfnfx?nfO{ ;fwf/0f ;efdf pkl:yt x'g] tyf dtbfg ug]{ clwsf/ x'g] 5}g .

sy+sbflrt a}+s 6f6kN6]df o; ljj/0f–kqdfkm{t\ lgisflzt C0fkqsf] e'QmfgL lgIf]kstf{x?

eGbf k5fl8 dfq x'g]5 .

-h_ C0fkqsf] Jofh e'QmfgL ug]{ ;do M o; C0fkqdf cflh{t Jofh /sd k|To]s cf=j=sf] k|yd

cw{jflif{s -k'; d;fGt_ / låtLo cw{jflif{s -c;f/ d;fGt_ ;dfKt eP kZrft e'QmfgL lbOg]5 .

Jofh /sd e'QmfgL lbbf+ k|yd cw{jflif{s -k'; d;fGt_ ;do;Dd o; C0fkqdf cflh{t Jofh

/sd x/]s cf=j=sf] df3 ! ut]b]lv / låtLo cw{jflif{s -c;f/ d;fGt_ ;do;Dd o; C0fkqdf

cflh{t Jofh /sd cf=j=sf] ;fpg ! ut]b]lv e'QmfgL ul/g]5 .

-em_ C0fkqsf] Jofh e'QmfgL ug]{ :yfg M o; C0fkq wf/0f ug]{ C0fkqwgLn] lghn] wf/0f u/]sf]

C0fkqdf cflh{t Jofh /sd ;flgdf a}+s lnld6]8sf] s'g}klg zfvfaf6 cfkmgf] C0fkqsf]

k|df0fkq / Aofh e'QmfgL k"hf{ k]z u/L e'QmfgL lng;Sg] u/L lgisfzg ul/Psf] 5 .

-`_ C0fkqsf] Jofh e'QmfgL ug]{ t/Lsf M o; ljj/0f–kqdfkm{t lgisfzg ul/g] æ!)% ;flgdf

l8a]Gr/ @)*%Æ df cfj]bg ug]{ k|To]s cfj]bsnfO{ lghn] cfj]bg u/]sf] /sddf cfj]bg ldlt

b]lv C0fkqsf] afF8kmfF6 x'g'eGbf cl3Nnf] lbg;Ddsf] cjlwsf nflu a}+sn] jflif{s %=))Ü sf

b/n] lx;fa u/L Jofh lbg]5 . C0fkqsf] afF8kmfF6 kZrft\ afF8kmfF6df kg]{ ;Dk"0f{

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C0fkqwgLx?nfO{ afF8kmfF6 ePsf] lbgb]lvsf] klxnf] cw{jflif{ssf] Jofh /sd ;f] cw{jflif{s

cjwLsf] ;dfKtLkZrft\ e'QmfgL lbOg]5 . o; C0fkq wf/0f ug]{ k|To]s C0fkqwgLnfO{ Jofh

/sd e'QmfgL ug{sf nfuL C0fkqsf] k|df0fkqsf] ;fy} Jofh e'QmfgL k'hf{ (Interest Coupon)

lbOg]5 .

-t_ cGo M of] C0fkq ;flgdf a}+s lnld6]8 afx]s cGo h'g;'s} ljQLo ;+:yfdf lwtf] /fvL C0f lng

;lsg]5 .

-v|_= ;+ul7t ;+:yfsf] ;DklQdf C0fkqjfnfsf] xs ;DaGwL ljj/0fM

o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq a}+ssf] ;DklQ;'/If0f g/fvL lgisfzg ul/Psf] x'gfn]

sy+sbflrt a}+s 6f6klN6Pdf lgIf]kstf{sf k|yd xs x'g] x'Fbf To; kl5 dfq C0fkq wgLx?sf] xs x'g] .

o; a+}ssf] @)&% c;f9 d;fGtsf] cfwf/df lgIf]kstf{x?sf] s'n lgIf]k &(=!* ca{ kl5 dfq xs nfUg]

. k|rlnt sfg"gn] k|bfg u/]sf] afx]s sDkgLsf] ;DklQdf C0fkqjfnfsf] s'g} lglb{i6 xs (Specific

charge) clwsf/ x'g] 5}g .

-u_= 6«li6sf] gfd, 7]ufgf tyf 6«li6 / sDkgL aLr ePsf] ;Demf}tf (Trust Deeds) sf] k|d'v a'Fbfx?

s_ l*j]Gr/ ^«i^Lsf] ?kdf sfo{ ug]{ ;+:yfsf] gfd, &]ufgf

C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf g]kfn lwtf]kq af]8{af6 lgisfzg tyf laqmL k|aGwssf]

k|df0f—kq k|fKt lwtf]kq Joj;foL sf7df08f} Soflk6n dfs]{6 lnld6]8, sdnfbL, sf7df8f+}

/x]sf] 5 .

v_ ^«i^L eP jfkt lng] z]jf z"Ns

o; ljj/0f–kqdfkm{t ;j{;fwf/0fdf tyf JolQmut tj/af6 ljleGg JolQm jf ;+3 ;+:yfx?nfO{

laqmL ul/g] C0fkqsf] 6«i6Lsf] ?kdf lgo'Qm >L sf7df08f} Soflk6n dfs]{6 lnld6]8, sdnfbL,

sf7df8f+}+nfO{ lghn] pQm ;]jf k|bfg u/]afkt aflif{s ?=!),)))÷– -b; xhf/ dfq_ /sd 6«i6L

;]jf pknJw u/fPsf] ;dofjlwsf nflu ;]jf z'Nssf] ?kdf lbOg]5 .

u_ l*j]Gr/ ^«i^Lsf] ?kdf sfo{ ug]{ ;+:yfn] tf]s]sf] ;Dks{ AolQmsf] gfd, kb M

C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] pQm sDkgLsf] dr]{G6 a}+ls+u ljefusf >L ;'efif

a:g]tnfO{ ;Dks{ JolQmsf] ?kdf tf]s]sf] 5 .

#_ l*j]Gr/ ^«i^Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DalGwt kIfsf] u"gf;f] ;"Gg] / ;dfwfg ug]{

;DaGwdf u/]sf] Joj:yf M

C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DalGwt kIfsf] u'gf;f ;'Gg] / ;f] sf] ;dfwfg ug]{

;DaGwdf tf]lsPsf] ;Dks{ JolQm dfkm{t jf C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] sfof{no

dfkm{t cfjZos Joj:yf u/]sf] 5 . ;fy} u'gf;fx? lnlvt ?kdf C0fkq 6«i6Lsf] ?kdf sfo{

ug]{ ;+:yfdf hDdf u/fpg' kg]{5 .

ª_ l*j]Gr/ lgisfzg ug]{ sDkgL / l*j]Gr/jfnfx?sf] lxt ;+/If)f ug{ «̂i^Lsf] ?kdf

sfd ug]{ l*j]Gr/ «̂i^L lar sDkgL P]gsf] Aoj:yf cg"?k ;Demf}tf ePsf] s"/f M

C0fkq lgisfzg ug]{ sDkgL / C0fkqjfnfx?sf] lxt ;+/If0f ug{ 6«i6Lsf] ?kdf sfd ug]{

C0fkq 6«i6L aLr sDkgL P]g, @)^# df ePsf] Joj:yf cg'?k ;D´f}tf ul/Psf] 5 .

r_ l*j]Gr/ ^«i^Lsf] clwsf/ / bfloTj, l*j]Gr/ ^«i^Ln] hf+ra"em ug{ / ljj/)f dfu

ug{ ;Sg], l*j]Gr/ ^«i^LnfO{ l*j]Gr/jfnfsf] clwsf/ x"g] cflb Joj:yfx? sDkgL P]g

cg"?k ePsf] s"/f M

l*j]Gr/ ^«i^Lsf] clwsf/ / bfloTj, l*j]Gr/ ^«i^Ln] hf+ra"em ug{ / ljj/)f dfu ug{

;Sg], l*j]Gr/ ^«i^LnfO{ l*j]Gr/jfnfsf] clwsf/ x"g] cflb Joj:yfx? sDkgL P]g cg"?k

ul/Psf] % .

%_ l*j]Gr/ ^«i^L / lgisfzgstf{ sDkgL aLr ePsf] ;Demf}tfsf] k|lt g]kfn lwtf]kq

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af]*{df btf{ ul/Psf] s"/f M

l*j]Gr/ ^«i^L / lgisfzgstf{ sDkgL aLr ePsf] ;Demf}tfsf] k|lt g]kfn lwtf]kq

af]*{df btf{ ul/Psf] % .

h_ l*j]Gr/ «̂i^L / lgisfzgstf{ sDkgL aLr ePsf] ;Demf}tf tyf cGo cfjZos Joj:yfx?

l*j]Gr/jfnfn] x]g{ jf hfGg rfx]df ;f] pknAw u/fpg] ;DaGwdf ul/Psf] Joa:yf M

l*j]Gr/ ^«i^L / lgisfzgstf{ sDkgL aLr ePsf] ;Demf}tf tyf cGo cfjZos

Joj:yfx? l*j]Gr/jfnfn] x]g{ jf hfGg rfx]df l*j]Gr/ ^«i^L / lgisfzgstf{sf] /lhi^*{

sfof{nodf jf lgisfzg tyf lalqm k|aGwssf] sfof{nodf ;Dks{ /flv x]g{ jf hfGg

;lsg] % .

em_ cGo M

C0fkq 6«i6Ln] l8a]Gr/jfnfx?sf] lxt ;+/If0f ug]{ .

sDkgLn] C0fkq 6«i6LnfO{ cfˆgf] ljQLo sf/f]jf/sf] kl/is[t cfly{s ljj/0f cfly{s jif{

;dfKt ePsf] ^ dlxgfleq clgjfo{ ?kdf k7fpg' kg]{ .

C0fkq 6«i6Ln] sDkgLn] :yfkgf u/]sf] C0fkq e'QmfgL sf]if (Debenture Redemption Fund)

sf] cg'udg ug]{ .

sDkgLn] k'gM csf]{ C0fkq lgisfzg ug'{ k/]df C0fkq 6«i6Lsf] k"j{ :jLs[lt lng' kg]{ .

`_ l*j]Gr/ ^«i^L / lgisfzgstf{ sDkgL aLr ePsf] ;Demf}tfsf d"Vo a"+bfx?M

!= l8j]Gr/ 6«i6Ln] a}+ssf] ;DklQ d"NofËg, kl/of]hgf ljZn]if0f jf Aoj:yfkg ljin]if0f ug{

;Sg] / u/fpg ;Sg] 5 .

@= sydsbflrt a}+s la36g ug'{k/]df a}+ssf] hfoh]yfdf] lgIf]kstf{x?sf] xs bfjL e'QmfgL

kl5 dfq l8j]Gr/jfnfx?sf] xs nfUg] 5 / pQm l8j]Gr/ lkmtf{ lbgsf] nflu a}+sn] jflif{s

d'gfkmfaf6 C0fkq lgisfzg ePsf] kl5Nnf] % jif{ b]lv aL; k|ltztn] afsL % aif{ ;Dd

a/fa/ ?kdf (Proportionate Period Basis) gfkmf÷gf]S;fg afF8kmfF8 lx;fa vftf (Profit &

Loss Appropriation A/C) af6 C0fkq e'QmfgL sf]if (Debenture Redemption Reserve) sf]

Joj:yf u/L ;dfg'kflts ?kdf aflif{s /sd ?= $),)),)),)))÷— -rfnL; s/f]8_ hDdf

ul/g]5 / Dofb ;dfKt eP kZrft pQm sf]ifaf6 /sd lkmtf{ x'g]5 .

#= ;Demf}tfdf pNn]lvt zt{x? pNn+3g ePdf jf k"/f gu/]df jf cGo s'g} dgfl;j sf/0fn]

a}+ssf] cfly{s sf/f]af/ lgoGq0fdf lng' kg]{ ePdf jf ;Demf}tf adf]lhdsf] lwtf] sAhfdf

lng'kg]{ ePdf l8j]Gr/ 6«i6Ln] a}+ssf] hfoh]yf jf ;DklQ jf l8a]Gr/ 6«i6Ln] lwtf]

hdfgtdf lnPsf] ;DklQ cfˆgf] sAhfdf lnO{ jf lwtf] hdfgt cfkm}n] /fVg jf lnnfd

a9fa9 jf cGo pko'Qm tl/sfn] laqmL ug{ ;lsg] 5 .

$= l8j]Gr/ 6«i6Ln] l8j]Gr/ 6«i6Lsf] x}l;otn] c;n lgotn] sfo{ ubf{ ;flgdf a}+s jf

l8j]Gr/wgLnfO{ s'g} xfgL gf]S;fgL jf 3f6f ePdf jf l8j]Gr/wgLnfO{ /sd lkmtf{ e'QmfgL

gePdf l8j]Gr/ 6«i6Lsf] s'g} bfloTj tyf lhDd]jf/L /xg] 5}g .

%= a}+s lj36g ug'{ kg]{ cj:yf pTkGg ePdf l8a]Gr/ 6«i6Ln] l8a]Gr/jfnfsf] tkm{af6 cfjZos

sfg"gL sf/jfxL ug{ ;Sg]5 / l8a]Gr/jfnfsf] clwsf/ k|of]u ug{ ;Sg]5 .

3= kl/jt{gzLn C0fkq hf/L ul/g] ePdf C0fkqsf] kl/jt{g cg'kft, d"No, lk|ldod tyf kl/jt{g

ldlt, dtclwsf/sf] Aoj:yfM

C0fkq kl/jt{gzLn gePsf] .

ª= C0fkq hf/L ug'{sf] p2]Zo / ;DkGg x'g] sfo{ of]hgf M

o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf æ!)% ;flgdf l8a]Gr/ @)*%Æ C0fkq lgisfzgsf]

d'Vo p2]Zo a}+ssf] Joj;fo j[l4sf] nflu x'g]5 .

o; ljj/0f—kqdfkm{t lgisfzg ug{ nfluPsf] æ!)% ;flgdf l8a]Gr/ @)*%Æ laqmL u/L ;+sng

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ePsf] /sd a}+sn] cfjZostf cg';f/ shf{ tyf nufgLdf pkof]u ug]{5 .

r= hf/L k"FhL k"/f r'Qmf eP÷gePsf] M

r'Qmf ePsf] .

5= o; eGbf cufl8 hfl/ eP]sf] C0fkqsf] ljj/0f

o; eGbf cufl8 a}+sn] @)&@÷)$÷@) df ? #& s/f]8 a/fa/sf] ;ft jif{ cjl3sf] jflif{s &

Jofhb/ ePsf] l8a]Gr/ -#& nfv lsQf l8a]Gr/ ? !,))) sf b/sf _ hf/L u/]sf] lyof] . pQm

l8a]Gr/sf] ;dflKt ldlt @)&(÷)$÷!( /x]sf] 5 . pQm l8a]Gr/sf] e'QmfgL ug{sf nflu Bond Redemption Reserve v8f u/L jflif{s ?kdf ?=%,@*,%&,!$#÷—sf b/n] xfn ;Dd

?=!),%&,!$,@*^÷—hDdf ul/Psf] 5 . cfj]bg lbPsf dWo] % -JolQmut ! tyf ;+:yfut $_

hgfnfO{ pQm l8a]Gr/ afF8kmfF6 ul/Psf] lyof] .a+}sn] cfˆgf] ;]jf lj:tf/ ug{sf nflu cfjZos

nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwx?nfO{ lj:tf/ ug{sf nflu cfjZos k"FhL ;+sng

ug{, sDkgLsf] k"/s k"FhLsf]if (Supplementary Capital) j[l4 ug{ tyf k|aGwkqdf pNn]v

ul/Psf p2]Zo cg'?k ug'{kg]{ sfo{x?sf] nflu cfjZos kg]{ k"FhL h'6fpg] k|of]hgsf nflu pQm

l8a]Gr/ hf/L ul/Psf] lyof] .pQm a08 hf/L ug{sf nflu O{qmf g]kfn lnld6]8n] cf};t cfwf/x?

(Fundamentals)hgfpg [ICRANP] LBBB+ u|]l8Ë k|bfg ul/Psf] lyof] . O{qmf g]kfn

lnld6]8n] k|To]s jif{ lwtf]kqx/msf] Annual Review u/g] ul/Psf] 5 . cf=j= @)&$÷&% sf]

review kl5 o; l8a]Gr/sf] u|]l8Ë [ICRANP] LA- ePsf] 5 .

h= g]kfn /fi6« a+}sn] l8a]Gr/ hf/L ug{sf nfuL lbPsf] zt{x? M

!= s'g} klg ;'/If0f g/fvL æ!)Ü ;flgdf l8a]Gr/ @)*%Æ lgisfzg ug'{kg]{ .

@= l8a]Gr/sf] cjlw !) aif{sf] x'g] .

#= k|:tflat C0fkqdf k|bfg ul/g] Aofh ^÷^ dlxgfdf e'QmfgL ug'{kg]{, k|:tfa u/] adf]lhd C0fkqsf]

jflif{s Aofhb/ !)Ü x'g'kg]{ / cflh{t Aofh /sddf cfos/ P]g cg';f/ cfos/ nfUg] Joa:yf ug'{kg]{ .

$= a+}s la36g ePsf] cj:yfdf æ!)Ü ;flgdf l8a]Gr/ @)*%Æ sf] e'QfgL lgIf]kstf{eGbf kl5 dfq x'g]

.

%= !)Ü ;flgdf l8a]Gr/ @)*% hf/L ePsf] ldltn] a9Ldf # dlxgf leqdf g]kfn lwtf]kq lalgdo

ahf/df ;"rLs[t ug'{kg]{ .

^= ;flgdf a+}s ln= afx]s cGo a+}s tyf laQLo ;+:yfaf6 pQm l8a]Gr/ lwtf] /fvL C0f lng ;lsg]

Aoj:yf ug'{kg]{ .

&= l8a]Gr/ lgisfzg ug'{ cl3 ljj/0fkq o; a+}sdf btf{ u/L k|sfzg ug'{kg]{ .

*= l8a]Gr/sf] /sd e'QmfgL ug{ Redemption Reserve sf] Joa:yf ug{ a+}ssf] aflif{s d'gfkmfaf6

C0fkq lgisfzg ePsf] kl5Nnf] kfFr jif{b]lv aL; k|ltztn] bz jif{;Dd a/fa/ ?kdf -Proportionate

Period Basis_ gfkmf÷gf]S;fg lx;faaf6 /sd 5'6\ofO{ !) aif{ leq s'n ? @ ca{ a/fa/ pQm sf]ifdf

hDdf x'g] Aoa:yf ug'{ kg]{ . ;fy} gfkmf gePsf] cj:yfdf d'gfkmfaf6 5'6\ofpg kg]{ /sd s'g sf]ifaf6

Joa:yf ug]{ xf] ;f] :ki6 ?kdf ljj/0fkqdf pNn]v x'g'kg]{ .

(= Private Placement sf] cfwf/df ljqmL ul/g] C0fkqsf] ;DaGwdf s'g} ;+3÷;+:yf;+u clu|d s'g}

;Demf}tf ePsf] eP ;f] ;Demf}tfsf] k|dfl0ft k|ltlnlk o; a+}sdf k]z ug'{ kg]{ .

!)= olb s'g} kIfn] of] kIfnfO{ 5'6\ofPsf] C0fkq vl/b gu/]df ;f] C0fkq csf]{ kIfn] vl/b ug]{ Joa:yf

ug'{kg]{ .

@! cu|flwsf/ z]o/ lgisfzg ;DaGwL Joj:yf M xfn;Dd cu|flwsf/ z]o/ hf/L ul/Psf] 5}g .

@@ cGo ;fdfGo hfgsf/L M

-s_ ljz]if1sf] s'g} /fo ePdf ;f] sf] ljj/0f M

o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf

cfwf/x? k'g/fjnf]sg u/L ;f] cfwf/df tof/ ljQLo k|If]k0fsf ljj/0f oyf{yk/s /x]sf] 5 . o;

ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg ug]{ ljz]if1 >L ;'hg sfˆn] P08

P;f]l;P6\;, rf6{8{ PsfpG6]G6;\ Go" Knfhf, k'tnL;8s, sf7df8f}+sf, >L ;'hg sfˆn] /xg' ePsf] 5

43

.

-v_ ut tLg cfly{s jif{ leqdf s'g} ;+rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f] sf] sf/0f M ePsf] .

n]vfkl/Ifs kl/jt{g ePsf] sf/0f M @)&@÷&# df 6L=cf/ pkfWofo P08 sDkgL, rf6{8{

PsfpG6]G6;\n] nuftf/ # aif{ n]vfk/LIf0f ug{' ePsf]n] k'g lgo'lQmsf] nfuL of]Uo g/x]sf] / P;=P

cf/=P;f]l;P6\;\, rf6{8{ PsfpG6]G6;\ -Pn= l8= P;= P P;f]l;P6\;, rf6{8{ PsfpG6]G6;\sf] gfd

kl/j{tg eP kZrft) lgo'lQ ul/Psf] hfgsf/L u/fpg rfxG5f} .

;+rfns kl/jt{g ePsf] sf/0f M

cf=j= @)&$÷&%

o; cf=j=df ;+:yfks ;d'x -;d'x æsÆ_ sf] ;+rfns ;ldltdf k|ltlglwTj ug{] ;+rfns 8f= ;'a0f{

bf; >]i7sf] sfo{sfn ;dfKt ePsf]n] ut jflif{s ;fwf/0f ;efaf6 >L= zfDaf nfdf lgjf{lrt x'g'

ePsf] hfgsf/L u/fpg rfxG5f} . ;fy} o; cf=j=df :jtGq ;+rfns >L e/t axfb'/ yfkfsf]

sfo{sfn ;dfKt ePsf]n] jxfFsf] :yfgdf >L pQd s'df/ e§/fO{nfO{ ;+rfns ;ldltaf6 lgo'Qm

ul/Psf] hfgsf/L u/fpg rfxG5f} .

-u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M

sDkgL ;lrjsf] gfd M >L ?b| k|;fb aGhf/f

7]ufgf M vf]6fª ahf/–@, vf]6fª

of]Uotf M clwjStf – sfg"gdf :gfts

-3_ ;fj{hlgs lgisfzg ug{sf] nflu ;~rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M

;+rfns ;ldltsf] ldlt @)&$/!@/@( df a;]sf] #%& cf} / ldlt @)&%/)$/@& df a;]sf] #^& cf}

a+}7ssf] lg0f{o M

a}+ssf] Joj;fo j[l4sf] nflu yk k"FhLsf] cfjZostf k/]sf] x'bf k"FhLsf nflu l8a]Gr/ hf/L ug'{ pko'Qm

b]lv Joj:yfkgaf6 k|:tfj ul/Psf]df o; ;DaGwdf 5nkmn ubf{ g]kfn /fi6« a}}+saf6 a}+s tyf ljQLo

;+:yfx/mnfO{ hf/L ul/Psf] Plss[t lgb{]zg @)&$ sf] lgb{]zg g+= !^÷)&$ sf] a'bfF g+= % df ePsf]

Joj:yf k'/f u/]sf] a}+s tyf ljtLo ;+:yfx/mn] cfˆgf k|fylds k'FhLsf] a9Ldf krf; k|ltzt;Ddsf]

l8a]~r/÷cGo C0f pks/0f hf/L ug{ ;Sg] Joj:yf /x]sf] / Basel III cg';f/ hf]lvd efl/t ;DklQ

( Risk Weighted Assets) sf] @=%Ü dfq Tier- 2 k'FhLsf]ifdf u0fgf x'g] Joj:yf adf]lhd cfjZos

k|ls[of k'¥ofO{ ;DalGwt lgsfoaf6 :jLs[lt lnO{ lgDg cg';f/sf] æ!)Ü ;flgdf l8a]Gr/ @)*%Æ hf/L

ug{] lg0f{o ul/of] .

;fy}, pQ l8a]Gr/ hf/L ug{sf] nflu ug'{ kg]{ cfjZos ;Dk"0f{ sfo{ ug{ Joj:yfkgnfO{ clVtof/L k|bfg

ug]{ ;d]t lg0f{o ul/of] .

-ª_ ;+ul7t ;+:yf jf o;sf C0fkqwgLnfO{ s'g} ljz]if ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M

;+ul7t ;+:yf jf o;sf C0fkqwgLnfO{ s'g} ljz]if ;'ljwf lbOPsf] 5}g .

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

k|jfx ljj/0f k|fKt ug{ jf x]g{ ;Sg] 7fpF / ;do M

sfof{no ;do leq sDkgLsf] /lhi68{ sfof{no, sf=d=g=kf= !, gS;fn sf7df8f}+ / lwtf]kq lgisfzg

tyf ljqmL k|jGws sf7df08f} Soflk6n dfs]{6 lnld6]8, sdnfbL, sf7df8f}+df ;Dks{ /fvL sDkgLsf]

kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f k|fKt

ug{ jf x]g{ ;lsg]5 .

-5_ C0fkq, sd{rf/L jf c? s;}sf] nflu ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M

o; ljj/0fkqåf/f lgisfzg ul/Psf] k|lt C0fkq ?= !,))).— clÍt d"No (Par Value) sf s"n

$,)),))) lsQf C0fkq ;+Vofsf] %Ü cyf{t @),))) lsQf C0fkqx? ;fd"lxs nufgL sf]ifsf] nfuL

44

5'6\ofP/ ;'/lIft /flvPsf] 5 . o;/L 5'6\ofOPsf] C0fkq ;fd"lxs nufgL sf]ifaf6 dfu eO{ cfPsf]

xsdf ;+rfns ;ldltn] cf}lrTok"0f{ tj/af6 afF8kmfF6 ug]{5 / ;fd"lxs nufgL sf]ifaf6 ;Dk"0f{

C0fkqsf] nflu dfu eO{ gcfPsf] cj:yfdf af+sL C0fkqx? ;fd"lxs nufgL sf]if lgodfjnL,

@)^& adf]lhd afF8kmfF8 ul/g]5 .

-h_ ljj/0fkq tof/ ug]{sf] gfd, 7]ufgf, z}lIfs of]Uotf tyf cg'ejsf] ljj/0f M

of] ljj/0fkq tof/ kfg]{ Joj;flos ;+:yfdf lwtf]kq lgisfzg tyf laqmL k|aGws sf7df08f}

Soflk6n dfs]{6 lnld6]8, sdnfbL, sf7df8f}+ /x]sf] 5 .

-em_ sDkgLsf] k|jGwkq / lgodfjnL k|fKt ug{ ;lsg] 7fpF M

o; sDkgLsf] k|jGwkq tyf lgodfjnL sDkgLsf] /lhi68{ sfof{no, afudtL c~rn, sf7df8f}+

lhNnf, sf7df8f}+ dxfgu/kflnsf j8f g+= !, gS;fn / lwtf]kq lgisfzg tyf ljqmL k|aGws

sf7df08f Soflk6n dfs]{6 lnld6]8, sdnfbL, sf7df8f}+df sfof{no ;doleq ;Dks{ /fvL k|fKt ug{

;lsg]5 .

-`_ cGo -sDkgLsf] ;sf/fTds kIfx?_ M

!_ :yfkgfsfn b]vL g} k"0f{ sDKo'6/s[t k|ljlwaf6 ljQLo ;]jf k|bfg ub}{ cfO/x]sf] .

@_ bIf tyf cg'ejL JolQmx?sf] nufgLdf :yfkgf tyf ;+rfng ul/Psf] sDkgL .

#_ b'|t ultdf Joj;fo lj:tf/ ug{ ;kmn /x]sf] .

$_ a}+ssf] ;dli6ut cj:yf af/] ljZn]if0f ug]{ ;+:yf O{j|mf g]kfn gfds s|]l86 /]l6Ë Ph]G;Ln]] o;

;fj{hlgs lgisfzgnfO{ æ[ICRANP] LA-Æ rating k|bfg u/]sf] 5 . pQm qm]l86 /]l6Ë k|fKt

;+:yfnfO{ ;dodf ljQLo bfloTj k'/f ug]{ tyf sd shf{ hf]lvd cf}ift /xg] ;+:yfsf] /mkdf lnO{G5.

-6_ o; ljj/0fkq dfkm{t C0fkqsf] lgisfzg u/L g]kfn :6s PS;r]Gh lnld6]8df ;"rLs/0f kZrft

b:tvt ?h', C0fkqsf] gfd;f/L cflb ;DaGwL sfo{ o; sDkgLsf] sfof{no jf sDkgLn] lgo'Qm ug{]

C0fkq /lhi6«f/sf] sfof{noaf6 x'g] u/L Joj:yf ldnfOg]5 .

-7_ C0fkqsf] ljqmL v'Nnf cjlw M

o; ljj/0fkq4f/f lgisfzg ul/Psf] C0fkqx?sf] nflu cfj]bg lbg] cjlw laqmL v'Nnf ePsf]

ldltaf6 clwstd #) lbg ;Dd v'Nnf /xg] 5 . C0fkqsf] nflu cfj]bg lng] sfo{ slDtdf rf/

sfo{ lbgsf] nflu v'Nnf ul/g] 5 .

@# o; ljj/0fkqdf k|sflzt tYo tyf ljj/0fx? 7Ls b'?:t 5g\, ;f] df s'g} km/s k/]df xfdL ;~rfnsx?

k"0f{ ?kdf lhDd]jf/ x'g]5f}+ egL ;xL 5fk ug]{ ;~rfnsx?sf] gfd tyf b:tvt M

l;=g+= Gffd kb b:tvt

! ljgo s'df/ >]i7 cWoIf

@ t'sk|;fb kf}8]n ;+rfns

# zfDaf nfdf ;+rfns

$ e/t s'df/ kf]v/]n ;+rfns

% dx]z l3ld/] ;+rfns

^ pQd s'df/ e§/fO{ :jtGq ;+rfns

@$ lgisfzg tyf laqmL k|aGwsn] k|:t't u/]sf] k|lta4tf kq -8\o' 8]lnh]G;\ ;l6{lkms]6_ sf] k|lt

;+nUg ul/Psf] 5 .

@% ljj/0fkq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;DaGwL kq M

45

;+nUg ul/Psf] 5 .

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