;"lrs[t sDkgLx?

sf] juL{s/0f
;DjGwL g]kfn :6s PS;r]Gh lnld6]8n] hf/L u/]sf]
k|]z lj1KtL
lwtf]]kq ;"lrs/0f ljlgodfjnL, @)%# sf] ljlgod !$ sf] pkljlgod -@_ n] Joj:yf
u/]sf] zt{x? -r'Qmf kF"hL slDtdf ?=@ s/f]8 ePsf], ;fwf/0f z]o/wgLx?sf] ;+Vof
slDtdf !))) ePsf], slDtdf tLg aif{ b]lv nuftf/ d"gfkmfdf /x]sf], z]o/sf] lstfaL
d"No r'Qmf d"No eGbf sd gePsf] / cfly{s aif{ ;dfKt ePsf] 5 dlxgf leq pQm
cfly{s aif{sf] sf/f]jf/ tyf cfo–Joo ljj/0f k]z u/]sf]_ k"/f ug]{ sDkgLx?
nfO{ g]kfn :6s PS;r]Ghn] …sÚ au{df juL{s[t ub}{ cfPsf] 5 .

cf=a= @)%#÷%$ b]lv ;"lrs[t sDkgLx?sf] juL{s/0f ul/g] k|lqmof cf/De

ePsf]df x/]s aif{ …sÚ ju{df kg]{ sDkgLsf] ;+Vof ylkb} uPsf] 5 . cf=a= @)
%#÷%$ df & j6f, cf=a= @)%$÷%% df !% j6f, cf=a= @)%%÷%^ df !* j6f,
cf=a= @)%^÷%& df @# j6f, cf=a= @)%&÷%* df @^ j6f, cf=a= @)%*÷%
( df #! Jf6f, cf=a= @)%(÷^) df #^ j6f, cf=a= @)^)÷^! df $# j6f, cf=a= @)^!
÷^@ df $* j6f, cf=a= @)^@÷^# df %^ j6f, cf=a= @)^#÷^$ df ^^ j6f, cf=a=
@)^$÷^% df &! j6f, cf=a= @)^%÷^^ df &*, @)^^÷^& df ($ / @)^&÷^* df !!
& sDkgLx? …sÚ au{df auL{s[t ePsf 5g .

o; aif{ yk @* j6f sDkgL …sÚ ju{df k/]sf] / % j6f x6]sf]n] …sÚ ju{df
kg]{ sDkgLsf] ;+Vof hDdf !!& k'u]sf] xf] . yk x'g] sDkgLx?df jfl0fHo a}+s
;d"xjf6 & j6f, ljsf; j}+s ;d"xjf6 ( j6f, ladf ;d"xjf6 % j6f, ljQ ;d"xjf6 ^ j6f,
hnljB't ;d"xjf6 ! j6f /x]sf 5g\ . cf=j= @)^^÷^& df …sÚ ju{df /x]sf %
sDkgLn] ;fljssf] lgodfjnL cg';f/ zt{ k'/f gu/]sf]n] …sÚ ju{af6 x6fOPsf] 5 .

cGt/fli6«o dfGotf cg'?k g} k|To]s aif{ :6s PS;r]Ghdf ;"lrs[t sDkgLx?sf]

juL{s/0f ug]{ k|rng /x] adf]lhd cGo /fi6«x?df lghL If]qsf kF"hLjhf/ ;+u ;+nUg
ljlzi6 ;+:yfx?n] o; k|sf/sf sfo{ ub]{ cfPsf 5g . cGt{/fli6«o VoftL k|fKt Standard
and Poor, ICICI h:tf ;+:yfx?n] Credit Rating -;fv d"Nof+sg_ ug]{ k/Dk/f cg'?k ljZjsf
VoftL k|fKt :6s PS;r]Ghdf ;"lrs[t sDkgLx?sf] Ranking ug]{ rng /x]sf] 5 .

g]kfn :6s PS;r]Gh lnld6]8df cf=j= @)^^÷^& sf] cGt;Dddf ;"lrs[t s"n !&^
j6f sDkgLx? dWo] lgDg lnlvt !!& j6f ;"lrs[t sDkgLx?nfO{ pQm k|fjwfg cg'?k
rfn' cf=a= @)^&÷^* df …sÚ au{df auL{s/0f ul/Psf] Joxf]/f ;j{;fwf/0f
nufgLstf{ tyf ;Da4 ;a}sf] hfgsf/Lsf] nflu ;"lrt ul/G5 .
 …sÚ au{df auL{s[t sDkgLx?sf] ljj/0f

qm= sDkgLsf] gfd qm= sDkgLsf] gfd

;+= ;+=
!_ jfl0fHo j}+s ;d"x M
! gljn a}+s lnld6]8 @ g]kfn OGe]i6d]06 a}+s lnld6]8
# :6\of08{8 rf6{8 a}+s $ lxdfnog a}+s lnld6]8
-g]kfn_ ln=
% g]kfn P;lacfO{=a}+s ^ Pe/]i6 a}+s lnld6]8
lnld6]8
& a}+s ckm sf7df08" * g]kfn O{08li6«on P08 sdlz{on
lnld6]8 a}+s ln=
( dfR5fk'R5|«] j}+s !) nIdL j}+s lnld6]8
lnld6]8
!! s'df/L j}+s lnld6]8 !@ l;4fy{ j}+s lnld6]8
!# l8l;ljPn a}++s lnld6]8 !$ PgPdjL j}+s lnld6]8
!% lsi6 a}+s lnld6]8 16 a}+s ckm Plzof g]kfn lnld6]8 *
17 l;l6hG;\ a}+s 18 Unf]jn a}+s lnld6]8 *
OG6/g]zgn ln= *
19 n'DjLgL a}+s lnld6]8 * 20 g]kfn qm]l86 P08 sd;{ a}+s
lnld6]8 *
21 k|fOd sdl;{on a}+s 22 g]kfn j+unfb]z a}+s lnld6]8 *
lnld6]8 *
@_ pTkfbg ty k|zf]wg ;d"x M
@# o"lglne/ g]kfn lnld6]8
#_ cGo ;d"x M
@$ g]kfn b"/;~r/ sDkgL lnld6]8
$_ hnljB't ;d"x M
@% lrlnd] hnljB't s+ lnld6]8 @^ c?0f Eofln xfO8«f]kfj/ sDkgL
lnld6]8 *
%_ xf]6n ;d"x M
@& ;f]lN6 xf]6n lnld6]8
^_ ljdf ;d"x M
28 g]zgn nfO{km 29 lxdfnog hg/n O{= s+= lnld6]8
O{G:of]/]G; s+= ln=
30 Pe/]i6 OG:of]/]G; s+= 31 lk|ldo/ OG:of]/]G; s+= lnld6]8
lnld6]8
32 PnfOG; OG:of]/]G; s+= 33 ;u/dfyf OG:of]/]G; s+= lnld6]8
ln=
34 g]kfn nfOkm 35 lzv/ OG:of]/]G; s+= lnld6]8
OG:of]/]G; s+= ln
36 n'lDjgL hg/n OG:of]/]G; 37 l;4fy{ OG:of]/]G; lnld6]8
ln=
38 o'gfO6]8 OG:of]/]G; 39 Plzog nfOkm OG:of]/]G; sDkgL
sDkgL ln= * ln= *
40 k|fOd nfOkm 41 g]kfn OG:of]/]G; sDkgL ln= *
OG:of]/]G; s+= ln= *
42 g]sf] OG:of]/]G; sDkgL
ln= *

&_ ljQ ;d"x M

43 g]kfn kmfOgfG; P08 ;]eLË 44 Pg=cfO{=l8=l;= Soflk6n dfs]
s+= ln= {6\; ln=
45 gf/fo0fL g]zgn kmfOgfG; 46 g]kfn z]o/ dfs]{6\; P08
lnld6]8 kmfO{gfG;
47 cGgk"0f{ kmfOgfG; s+= 48 sf7df08f}+ kmfOgfG; lnld6]8
lnld6]8
49 lkkN; kmfOgfG; lnld6]8 50 o'lgog kmfOgfG; lnld6]8
51 gful/s nufgL sf]if 52 g]kfn cfjf; ljsf; lj= s+= lnld6]8
53 uf]vf{ kmfOgfG; lnld6]8 54 o'lge;{n kmfOgfG; lnld6]8
55 dxfnIdL kmfOgfG; lnld6]8 56 nlntk'/ kmfOgfG; lnld6]8
57 u'8ljn kmfOgfG; lnld6]8 58 klZrdf~rn kmfOgfG; lnld6]8
59 n'lDjgL kmfOgfG; P08 60 l;4fy{ kmfOgfG; lnld6]8
 lnlh+u lnld6]8
61 PNkLs Pe/]i6 kmfOgfG; 62 o'gfO6]8 kmfOgfG; lnld6]8
lnld6]8
63 OG6\/g]zgn lnlh+u P08 64 >L OGe]i6d]06 P08 kmfOgfG;
kmfO{gfG; lnld6]8
65 ;]G6«n kmfOgfG; lnld6]8 66 lk|ldo/ lkmgfG; s+= lnld6]8
67 gjb'uf{ kmfOgfG; s+= 68 a'6jn kmfOgfG; lnld6]8
lnld6]8
69 :6\of08{8 kmfOgfG; lnld6]8 70 cfO{=Pd=O{= kmfOgflG;on
O= lnld6]8
71 lj/uGh kmfO{gfG; lnld6]8 72 Soflk6n dr]{G6 j}+lsË P08
kmfOgfG;
73 k|'8]Gl;on kmfOgfG; lnld6]8 74 /f]on dr]{G6 j}+lsË P08
kmfO{gfG;
75 ODk]l/on kmfOgfG; lnld6]8 76 l;len dr]{06 ljQLo ;+:yf lnld6]8
77 cf=O{=l;=Pkm=;L= ljQLo ; 78 ;u/dfyf dr]{G6 a}+lsË P08
+:yf lnld6]8 kmfOgfG;
79 l/nfojn kmfOgfG; lnld6]8 80 lzv/ ljQLo ;+:yf lnld6]8
81 g]kfn PS;k|]z kmfOgfG; 82 s'j]/ dr]{G6 kmfOgfG; lnld6]8
lnld6]8
83 k|e' kmfOgfG; lnld6]8 84 ckL kmfOgfG; lnld6]8 *
85 lqmi6n kmfOgfG; lnld6]8 * 86 km]jf kmfOgfG; lnld6]8 *
87 sfisL kmfOgfG; lnld6]8 * 88 n8{j'4 kmfOgfG; lnld6]8 *
89 kf]v/f kmfOgfG; lnld6]8 *
*_ ljsf; a}+s ;d"x M
90 lgw{g pTyfg j}+s lnld6]8 91 l5d]s ljsf; a}+s lnld6]8
92 OGkm|f:6sRf/ 8]enkd]06 j} 93 u08sL 8]enkd]06 j}+s lnld6]8
+s lnld6]8
94 lahg]; 8]enkd]G6 a}+s 95 ;flgdf ljsf; a}+s lnld6]8
lnld6]8
96 lqj]0fL ljsf; a}+s lnld6]8 97 k"jf{~rn u|fld0f ljsf; a}+s
lnld6]8
 98 ju]Zj/L 8]enkd]g6 a}+s 99 z'e]R5f ljsf; a}+s lnld6]8
lnld6]8
100 uf]vf{ 8]enkd]06 j}+s 101 cGgk"0f{ ljsf; j}+s lnld6]8
lnld6]8
102 :jfjnDjg ljsf; j}+s lnld6]8 103 P; 8]enkd]G6 a}+s lnld6]8
104 lxdr'nL ljsf; j}+s lnld6]8 105 dflnsf ljsf; a}+s lnld6]8
106 l;4fy{ ljsf; j}+s lnld6]8 107 lj/6nIdL 8]enkd]06 j}+s
lnld6]8
108 PS;n 8]enkd]06 j}+s lnld6]8 109 lSng OghL{ 8]enkd]G6 a}+s
lnld6]8 *
110 sfi7d08k 8]enkd]G6 a}+s 111 ldt]/L 8]enkd]G6 a}+s lnld6]8
*
lnld6]8 *
112 PG8]k 8]enkd]G6 a}+s 113 g]?8] n3'ljQ ljsf; a}+s lnld6]8 *
lnld6]8 *
114 kz'ktL 8]enkd]G6 a}+s 115 ;]jf ljsf; a}+s lnld6]8 *
lnld6]8 *
116 lgnlu/L ljsf; a}+s lnld6]8 * 117 /];'Ëf ljsf; a}+s lnld6]8 *
* rfn' cf=a= df …sÚ au{df auL{s/0f ePsf .

ldlt M @)^&÷!)÷@*

;'kl/j]If0f, ;"lrs/0f tyf ljQ ljefu

g]kfn :6s PS;r]Gh lnld6]8