kl/R5]b !

@
cjsfz sf]if
(Retirement Fund)
!@=! ljleGg k|sf/sf nufgLdWo] cjsfz sf]ifdf ul/g] nufgL klg Ps k|sf/sf] nufgL xf] . o;af6
k|fKt x'g] k|ltkmn ;fdflhs ;'/Iff;Fu ;Da4 e'QmfgL ePsf]n] cjsfz artnfO{{ k|f]T;flxt ug{
ljz]if ;'ljwfsf] ¿kdf s/df ;x'lnot lbg] Joj:yf ul/Psf] 5 . cfos/ P]g, @)#! n] cjsfz
sf]ifsf] cjwf/0ffdf ;~rosf]if tyf ;Lldt dfqfdf gful/s nufgL sf]ifdf ul/Psf] of]ubfg dfq
;dfj]z u/]sf] lyof] . pQm P]g cg';f/ sd{rf/Ln] k|fKt u/]sf pkbfg, lgj[lQe/0f, ;l~rt labf,
cf}iflw pkrf/ vr{, bz}+ vr{, ;~rosf]ifaf6 e'QmfgL ePsf] /sd tyf cjsfz sf]if -cjsfz
sf]if Joj:yfkg ug]{ lgsfo_nfO{{ ;d]t s/ gnfUg] Joj:yf lyof] . of] P]g nfu" x'g'k"j{ cjsfz
jrt ;DaGwL Joj:yf kfl/>lds cfosf ;DaGwdf dfq nfu" /x]sf] lyof] . t/ cfos/ P]g,
@)%* n] cjsfz jrt ;DaGwL ljz]if Joj:yf u/]sf] 5 . of] P]gdf cjsfz jrt ;DaGwL
Joj:yf /f]huf/L cfo cfh{g ug]{ JolQm nufot Joj;fosf] cfo jf nufgLsf] cfo cfh{g ug]{
k|fs[lts JolQmnfO{{ ;d]t nfu" x'g] Joj:yf ul/Psf] 5 . cyf{t, k|fs[lts JolQmn], /f]huf/L,
Joj;fo jf nufgLsf] s/of]Uo cfo u0fgf ubf{ cjsfz of]ubfgnfO{{ cfos/ P]g tyf lgodsf]
cwLgdf /xL vr{ 5'6 (Reduction) bfaL ug{ kfpg] Joj:yf u/]sf] 5 . tbg'¿k o; kl/R5]bsf]
d'Vo p2]Zo cjsfz sf]if, cjsfz e'QmfgL Pjd\ cjsfz sf]ifsf] s/ ;DaGwL k|fjwfgnfO{{ k|i6
kfg{' /x]sf]5 .
!@=@ cjsfz sf]if
P]gsf] bkmf @ sf] v08 -3_ adf]lhd æcjsfz sf]ifÆ eGgfn] lgsfosf] lxtflwsf/L k|fs[lts
JolQm jf lghsf] cfl>tnfO{{ sf]ifaf6 cjsfz e'QmfgL k|bfg ug]{ k|of]hgsf] nflu cjsfz
of]ubfg /sd :jLsf/ ug]{ / ;f] /sd nufgL ug]{ p2]Zon] dfq :yfkgf ePsf] lgsfo ;Demg'
k5{ .
cjsfz sf]if dfq kl/rfng ug]{ p2]Zon] ;~rfng ul/Psf] lgsfonfO{{ cjsfz sf]if elgG5 .
o:tf] cjsfz sf]ifn] lgDgfg';f/sf] sfo{ dfq ug{ kfpF5 M
!_ ;f] lgsfodf k|fs[lts JolQmn] jf lghsf] tkm{af6 cGo s;}n] cjsfz of]ubfg hDdf
ug{ NofPdf To:tf] of]ubfg hDdf lng],
@_ o;/L hDdf ug]{ JolQm cyf{t\ lxtflwsf/LnfO{{ jf lghsf] cfl>tnfO{{ lgh cjsfz eP
kl5 jf lghsf] d[To' ePkl5 jf %* jif{ k'u]df cjsfz e'QmfgL ug]{, /
#_ hDdf ePsf] cjsfz of]ubfg :jLs[t nufgLdf nufgL ug]{ .
cjsfz sf]ifsf pbfx/0fsf] nflu sd{rf/L ;~rosf]if, ;fdflhs ;'/Iff sf]if, lgj[Qe/0f sf]if
/ gful/s nufgL sf]ifn] ;~rfng u/]sf] cjsfz sf]if, ljefuaf6 cjsfz sf]if ;~rfng
ug{ O{hfht kfPsf lgsfo jf O{hfht glnO{ ;~rfng ePsf lgsfonfO{{ lng ;lsG5 .

cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 1

 ljefuaf6 cjsfz sf]if ;~rfng ug{ O{hfht lnPsf lgsfo, sd{rf/L ;~rosf]if, ;fdflhs
;'/Iff sf]if, lgj[Qe/0f sf]if / gful/s nufgL sf]ifn] ;~rfng u/]sf] cjsfz sf]if h:tf
lgsfonfO{{ :jLs[t cjsfz sf]if elgG5 eg] ljefuaf6 O{hfht glnO{ ;~rfng ul/Psf
cjsfz sf]ifnfO{{ :jLs[t glnPsf] cjsfz sf]if jf c:jLs[t cjsfz sf]if elgG5 . lgsfosf]
lxtflwsf/L k|fs[lts JolQm eGgfn] ;f] lgsfoaf6 cfo jf k'FhL k|fKt ug]{ xs ePsf] k|fs[lts
JolQm eGg] a'emfpF5 . h:t}, ;f] lgsfodf cjsfz of]ubfg hDdf ug]{ k|fs[lts JolQm .
!@=#= cjsfz sf]ifsf] :jLs[lt M
!@=#=! P]gsf] bkmf ^# df cjsfz sf]ifsf] :jLs[ltsf nflu lgDgfg';f/ Joj:yf ul/Psf] 5 .
-!_ cjsfz sf]if /fVg rfxg] afl;Gbf JolQmn] cjsfz sf]if /fVg] :jLs[ltsf] nflu ljefu
;dIf lgj]bg lbPdf ljefun] tf]lsP adf]lhd :jLs[lt k|bfg ug]{5 .
t/ gful/s nufgL sf]if P]g, @)$& adf]lhd :yfkgf ePsf] gful/s nufgL sf]if,
of]ubfgdf cfwfl/t ;fdflhs ;'/Iff sf]if P]g, @)&$ adf]lhd :yfkgf ePsf] ;fdflhs
;'/Iff sf]ifn] cjsfz sf]if /fVg rfx]df To:tf] sf]if, sd{rf/L ;~ro sf]if P]g, @)!(
adf]lhd :yfkgf ePsf] sd{rf/L ;~ro sf]if / lgj[Qe/0f sf]if P]g, @)&% adf]lhd
:yfkgf ePsf] lgj[Qe/0f sf]ifn] cjsfz sf]if ;~rfng u/]df To:tf] sf]ifsf] nflu
:jLs[lt lng'kg]{ 5}g .
-@_ :jLs[t cjsfz sf]ifsf] lxtflwsf/L k|fs[lts JolQmn] s'g} cfo jif{df ;f] sf]ifdf u/]sf]
cjsfz of]ubfg cfk\mgf] s/of]Uo cfosf] u0fgf ubf{ 36fO{ kfpg bfaL ug{ ;Sg]5 .
-#_ pkbkmf -@_ df h'g;'s} s'/f n]lvPsf] eP tfklg ;f] pkbkmf adf]lhd s'g} cfo jif{df
s'g} JolQmaf6 36fO{ kfpg bfaL ul/Psf] /sd tf]lsPsf] cjsfz of]ubfgsf] ;LdfeGbf
a9L x'g] 5}g .
:jLs[t cjsfz sf]if x'gsf nflu dfly pNn]v ul/Psf sd{rf/L ;~ro sf]if / gful/s
nufgL sf]ifn] ;~rfng u/]sf cjsfz sf]if, ;fdflhs ;'/Iff sf]if P]g, @)&$ adf]lhd
:yfkgf ePsf ;fdflhs ;'/Iff sf]if / lgj[Qe/0f sf]if P]g, @)&% adf]lhd :yfkgf ePsf]
lgj[Qe/0f sf]if afx]ssf cGo cjsfz sf]ifn] ljefudf lgj]bg lbg' kb{5 / ljefun] o;/L
k|fKt lgj]bg pk/ lgod @) sf] pklgod -@_ sf cwLgdf /xL :jLs[lt lbg ;Sg]5 . lgod
@) sf] pklgod -@_ df cjsfz sf]ifsf] :jLs[ltsf ;Gbe{df cfjZos zt{ pNn]v ul/Psf]
5 . lgod @) sf] pklgod -@_ df pNn]v ul/Psf] zt{ lgDgfg';f/ /x]sf] 5 .
v08 -s_ cjsfz sf]ifdf hDdf ul/Psf] jf cjsfz sf]ifnfO{{ k|fKt x'g] /sd :jLs[t
nufgLdf dfq nufgL ug{'kg]{],
lxtflwsf/L jf lxtflwsf/Lsf] gfddf cGo JolQm -h:t}, /f]huf/bftf_ af6 hDdf ul/Psf] jf
cGo k|fs[lts JolQmn] cfkm\gf] nflu cjsfz sf]ifdf hDdf u/]sf] /sdnfO{{ cjsfz sf]ifn]
:jLs[t nufgLdf dfq nufgL ug'{ kb{5 . lgod @) df plNnlvt :ki6Ls/0f adf]lhd :jLs[t
nufgL eGgfn] lgDg adf]lhdsf nufgLnfO{{ ;Demg' kb{5 .
-s_ k|rlnt sfg'g adf]lhd :yfkgf ePsf] gful/s nufgL sf]ifdf ul/Psf] nufgL,
-v_ g]kfn ;/sf/n] hf/L u/]sf] C0fkqdf ul/Psf] nufgL,
-u_ a}+s ;DaGwL k|rlnt sfg'g cGtu{t ;~rfng ePsf a}+sdf ul/Psf] nufgL,

cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 2

-3_ a}+s;Fu ;x ljlQos/0fsf] cfwf/df ul/Psf] nufgL, /
-ª_ cfkm\gf z]o/xf]N8/ afx]ssf lxtflwsf/LnfO{{ ul/Psf] nufgL .
pQm Joj:yf ;DaGwdf tnsf] pbfx/0fdf yk :ki6 kfl/Psf] 5 .
pbfx/0f !@=#=!M dfgf}+, g]kfn /fi6« a}+s sd{rf/L cjsfz sf]ifn] g]kfn /fi6« a}+ssf
sd{rf/Lsf] nflu cjsfz sf]if ;~rfng ub}{ cfPsf] /x]5 . o; cjsfz sf]ifdf g]kfn
/fi6« a}+sdf sfo{/t sd{rf/Ln] cjsfz of]ubfg ul//x]sf /x]5g . pQm sf]ifn] o;/L k|fKt
ePsf] cjsfz of]ubfgdfly plNnlvt -s_ b]lv -ª_ ;Ddsf] :jLs[t If]qdf dfq nufgL
ug]{ zt{df ljefun] ;f] lgsfonfO{{ :jLs[lt lbg ;Sg]5 .
v08 -s!_ r'Qmf k'FhL sDtLdf Ps s/f]8 ?k}ofF x'g'kg]{,
v08 -s@_ cjsfz sf]if ;~rfng ug]{ lgsfosf] lxtflwsf/L sfdbf/ jf sd{rf/Lsf] ;+Vof
sDtLdf Ps xhf/ x'g'kg]{,
s'g} cjsfz sf]ifn] ljefuaf6 :jLs[lt k|fKt u/L :jLs[t cjsfz sf]if x'g ;f] sf]ifsf] cfkm\g}
r'Qmf kF'hL /xg' kb{5 / o:tf] kF'hL sDtLdf Ps s/f]8 ?k}ofF x'g' clgjfo{ 5 . :jLs[lt dfu ug]{
cjsfz sf]ifn] :jLs[t cjsfz sf]if ;~rfngsf] nflu sDtLdf Ps xhf/ JolQmn] cjsfz
of]ubfg u/]sf] x'g' kb{5 . oxfF lxtflwsf/L sfdbf/ jf sd{rf/L eGgfn] /f]huf/stf{ jf cjsfz
sf]ifdf of]ubfg ug]{ cGo s'g} k|fs[lts JolQmnfO{{ hgfpF5 .
v08 -v_ cjsfz sf]]ifn] sd{rf/L jf sfdbf/sf] tkm{af6 /f]huf/bftfaf6 cjsfz of]ubfg
:jLsf/ ug{] ePdf ;f] sf]ifsf] Joj:yfkg /f]huf/bftf eGbf :jtGq ¿kdf ePsf]
x'g'kg{],
t/ ;f]xL sf]ifsf sd{rf/L jf sfdbf/sf] xsdf of] v08 nfu" x'g] 5}g .
g]kfn ;/sf/sf sd{rf/Lsf] cjsfz of]ubfg ;DalGwt sfof{no -/f]huf/bftf_ dfkm{t
sd{rf/L ;~ro sf]ifdf hDdf ug]{ ul/G5 . o;df sd{rf/L ;~ro sf]ifsf] Joj:yfkg :jtGq
¿kdf ePsf] 5 . pQm sf]ifn] cfkm\gf sd{rf/Lsf] cjsfz of]ubfg ;d]t :jLsfg]{ eP tfklg
;f] sf]ifsf] Joj:yfkg /f]huf/bftf eGbf :jtGq ePsf] dflgG5 . pQm Joj:yf ;DaGwdf
tnsf] pbfx/0fdf yk :ki6 kfl/Psf] 5 .
pbfx/0f !@=#=@M dfgf}+, /f=af=a}+s cjsfz sf]ifn] /f=af=a}+ssf sd{rf/Lsf] dfq} cjsfz
of]ubfg :jLsf/ ug]{ k|of]hgsf] nflu cjsfz sf]if ;~rfng ub}{ cfPsf] /x]5 . ;f] cjsfz
sf]ifsf] Joj:yfkg 5'§} ljlgodfjnL tof/ u/L ;f] sf]if ;~rfng ug{sf] nflu Joj:yfkg
;ldlt u7g u/L cfPsf] /x]5 . ;f] Joj:yfkg ;ldltdf a}+s Aoj:yfks tyf sd{rf/Lsf]
;d]t k|ltlglwTj x'g] / ;f] sf]ifsf] a}+s k|lt s'g} klg bfloTj gx'g] Pjd\ ;f] sf]ifsf] ljQLo
ljj/0f :jLs[lt k|fKt n]vfk/LIfsaf6 5'§} n]vfk/LIf0f ;d]t u/fPsf] cj:yfdf pQm sf]ifsf]
Joj:yfkg /f]huf/bftf eGbf :jtGq ¿kdf ePsf] dflgg]5 .
v08 -u_ cjsfz of]ubfg /sd cfiff9 dlxgfdf vr{ n]v]sf] eP vr{ n]v]sf] Ps
dlxgfleq / cGo dlxgfsf] xsdf vr{ n]v]sf] kGw| lbgleq cjsfz sf]ifdf
hDdf ug{'kg{],
pbfx/0f !@=#=#M dfgf}+, sDkf; g]kfn ln=cjsfz sf]ifn] sDkf; g]kfn ln=sf sfdbf/
sd{rf/Lsf] nflu cjsfz sf]if ;~rfng ub}{ cfPsf] /x]5 . pQm cjsfz sf]if ljefuaf6

cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 3

 :jLs[t k|fKt cjsfz sf]if xf] . ;f] sDkf; g]kfn ln=n] cfkm\gf sfdbf/ sd{rf/Lsf] cjsfz
of]ubfg afkt ?=!,)),))).– cfiff9df gfkmf–gf]S;fg vftfdf vr{ n]vL ltg'{kg]{ bfloTjdf
n]vfÍg u/]sf] /x]5 eg] To:tf] /sd >fj0f dlxgfel/ cyf{t ! dlxgfleq cjsfz sf]ifdf
hDdf ul/;Sg' kb{5 . To:t} h]i7 dlxgfsf] kfl/>lds ljt/0f ubf{ vr{ n]v]sf] /sd cfiff9
dlxgfsf] !% ut]leq cjsfz sf]ifdf bflvnf u/L ;Sg' kb{5 .
v08 -3_ cjsfz sf]ifsf] lxtflwsf/LnfO{{ b]xfosf cj:yfdf dfq cjsfz e'QmfgL ug{
;lsg]M–
-!_ sd{rf/L jf sfdbf/ ;]jfaf6 cjsfz k|fKt u/]df,
-@_ lxtflwsf/Lsf] pd]/ cG7fpGg jif{ k'u]df, jf
-#_ lxtflwsf/Lsf] d[To' ePdf jf lgh :yfoL ¿kdf ckfË
ePdf .
cjsfz sf]ifaf6 sfdbf/ sd{rf/LnfO{{ / lxtflwsf/L k|fs[lts JolQmnfO{{ e'QmfgL ubf{ sd{rf/L
jf sfdbf/ ;]jfaf6 cjsfz k|fKt u/]sf] x'g'kg]{ jf k|fs[lts JolQm -lxtflwsf/L_ %* jif{
k'u]sf] x'g'kg]{ jf lxtflwsf/Lsf] d[To jf lgh :yfoL¿kdf ckfË ePsf] x'g'kg]{ zt{ k'/f u/]sf]
x'g'kg]{5 .
pbfx/0f !@=#=$M dfgf}+, ;'/Iff eGg] Ps hgf JolQmn] Psnf}6L Joj;fo u/]sL /lx5g\ . lghn]
cfkm\gf] nflu gful/s nufgL sf]ifdf lgwf{/0fof]Uo cfosf] Ps ltxfO{ jf ?=#,)),))).– dWo]
h'g 36L x'G5 ;f] /sddf ga9\g] u/L jflif{s ?=!,@),))).– hDdf ub}{ cfPsL /lx5g\ .
cfos/ P]g, @)%* nfu" e};s]kZrft klg lgodfg';f/ lghn] jflif{s ?=!,@),))).– sf b/n]
gful/s nufgL sf]ifdf /sd hDdf ub}{ cfPsL /lx5g\ . lghsf] pQm sf]ifdf %* jif{ k'Ug'
eGbf cl3 cyf{t ldlt @)^^.)@.!@ ut];Dd hDdf ?= % nfv %) xhf/ hDdf ePsf] /x]5 .
ldlt @)^^.)@.!# ut] %* jif{ k'u]sL x'Fbf lghn] gful/s nufgL sf]ifaf6 e'QmfgL k|fKt ug]{
/sd lgDgfg';f/ u0fgf u/L clu|d s/ s§f u/L ;f] sf]ifn] e'QmfgL lbg' kb{5 .
gful/s nufgL sf]ifaf6 k|fKt ug]{ e'QmfgL /sd — ?=%,%),))).–
5'6 M—
P]gsf] bkmf ^% sf] pkbkmf -!_ sf] v08 -v_ cg';f/ 5'6 x'g] /sd —
!_ e'QmfgL /sdsf] %)Ü -%,%),))) sf] %)Ü_ — ?=@,&%,))).–
@_ tf]lsPsf] /sd — ?=%,)),))).–
dfly plNnlvt /sd dWo] j9L x'g] ? % nfv 5'6 x'G5 .
e'QmfgL k|fKt ug]{ /sd — ?=%,%),))).–
5'6 x'g] /sd — ?=%,)),))).–
s/ nfUg] e'QmfgL /sd — ?=%),))).–
%Ü sf b/n] s§L x'g] s/ — ?=@,%)).–
hDdf e'QmfgL ug'{kg]{ /sd -%%),)))—@,%))_ ?=%,$&,%)).–
v08 -ª_ dxfn]vfk/LIfssf] ljefuaf6 :jLs[lt kfPsf] n]vfk/LIfsaf6 ;f] cjsfz sf]ifsf]
jflif{s ¿kdf n]vfk/LIf0f u/fpg'kg{] .
cjsfz sf]ifsf] n]vf k/LIf0f :jLs[lt k|fKt n]vfk/LIfsaf6 u/fpg' kb{5 .

cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 4

!@=#=@= lgod @) sf] pklgod -#_ df cjsfz sf]ifsf] :jLs[lt /2 x'g ;Sg] lgDgfg';f/sf] cj:yf
pNn]v ul/Psf] 5 M
ljefuaf6 :jLs[lt k|fKt u/]sf] :jLs[t cjsfz sf]ifn] pklgod -@_ sf zt{x¿ Kffngf
gu/]df ;f] sf]ifnfO{{ lbPsf] :jLs[lt ljefun] /4 ug{ ;Sg]5 .
lgodfjnLsf] lgod @) sf] pklgod -@_ n] tf]s]sf zt{ dfly v08 !@=#=! df JofVof
ul/Psf] 5 .
!@=#=#= @)%* r}q !* ut];Dd ;~rfngdf /x]sf sd{rf/L ;~rosf]if / gful/s nufgL sf]ifnfO{{
:jLs[t cjsfz sf]if dflgPsf] 5 . olb of] cjlwleq sd{rf/L ;~ro sf]if, gful/s nufgL
sf]if, ;fdflhs ;'/Iff sf]if / lgj[Qe/0f sf]ifn] cjsfz sf]if ;~rfng ug{ ljefuaf6
:jLs[lt glnPsf] eP To:tf] cjsfz sf]if :jLs[lt glnPsf] cjsfz sf]if x'g hfG5 .
pbfx/0f !@=#=%M dfgf}+, h]lngf dfgGw/, g]kfn ljsf; k|f=ln=df sfo{/t Ps sd{rf/L
x'g\ . lghsf] dfl;s tna ?=@),))).– /x]5 . P]g k|f/De xF'bfsf avt pQm sDkgLn]
cfkm\gf sd{rf/Lsf] tnasf] !) k|ltztsf b/n] x'g] /sd ?=@,))).– s§f u/L ;f]
/sddf ztk|ltzt /sd yk u/L g]=a}=ln=df 5'§} vftf vf]nL ;~rfng ul/cfPsf] /x]5 .
pQm sDkgLn] cfkm\gf sfdbf/ / sd{rf/Lsf] cjsfz sf]if ;~rfng ug]{ p2]Zon]
ljefuaf6 g]kfn ljsf; k|f=ln=cjsfz sf]if gfdsf] cjsfz sf]if ;~rfng ug{ :jLs[t
k|fKt u/L g]kfn a}+s lnld6]8df 5'§} vftf vf]nL ;l~rt ul/Psf] /sd ;f] cjsfz
sf]ifdf hDdf ug]{ u/]sf] /x]5 . o:tf] sf]ifnfO{{ :jLs[t cjsfz sf]if elgG5 . o:tf]
:jLs[t cjsfz sf]ifdf of]ubfg u/]sf] /sd lgh h]lngfn] cfkm\gf] /f]huf/Lsf] cfo
lgwf{/0f ug]{ qmddf cfos/ lgodfjnLsf] lgod @! sf] cwLgdf /xL s/of]Uo cfoaf6
36fpg kfpFl5g . o:tf] :jLs[t cjsfz sf]ifaf6 x'g] e'QmfgLsf] xsdf @)%* r}q !(
kl5 hDdf ePsf] of]ubfg afkt ul/Psf] e'QmfgLdf P]gsf] bkmf ^% sf] pkbkmf -!_ sf]
v08 -v_ adf]lhd u0fgf ul/Psf] nfe /sddf P]gsf] bkmf ** sf] pkbkmf -!_ sf]
k|ltaGwfTds Joj:yfsf] v08 -!_ cg';f/ % k|ltztsf b/n] clu|d s/ s§f u/L e'QmfgL
ug'{ kb{5 .
pbfx/0f !@=#=^M dfly pbfx/0f !@=#=% df plNnlvt pbfx/0fdf olb g]kfn ljsf; k|f=ln= n]
ljefuaf6 :jLs[lt k|fKt gePsf] cjsfz sf]ifdf To:tf] /sd hDdf gu/]df To:tf] ;~rflnt
cjsfz sf]ifnfO{{ :jLs[t gePsf] cjsfz sf]if -Unapproved Retirement Fund_ elgG5 .
o:tf] cj:yfdf h]lngfn] To:tf] sf]ifdf @)%* r}q !(kl5 of]ubfg u/]sf] s'g} klg /sd
lgwf{/0fof]Uo cfoaf6 36fpg kfpFlbgg\ eg] pQm sf]ifaf6 x'g] nfe e'QmfgL /sddf P]gsf]
bkmf ** sf] pkbkmf -@_ sf] k|ltaGwfTds Joj:yfsf] v08 -u_ cg';f/ % k|ltztsf b/n]
clu|d s/ s§f ug'{ kb{5 .
!@=$= cjsfz e'QmfgL
!@=$=! P]gsf] bkmf @ sf] v08 -ª_ adf]lhd æcjsfz e'QmfgLÆ eGgfn] b]xfosf JolQmnfO{{ lbOg]
e'QmfgL ;Demg' k5{M–
-!_ k|fs[lts JolQmn] cjsfz lnPsf] cj:yfdf lghnfO{{ lbOg] e'QmfgL, jf
-@_ k|fs[lts JolQmsf] d[To' ePsf] cj:yfdf lghsf] cfl>tnfO{{ lbOg] e'QmfgL .

cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 5

cjsfz e'QmfgL eGgfn] s'g} k|fs[lts JolQm l;4fGttM s'g} /f]huf/L, k]zf jf Joj;fo ug{
;Ifd gx'g] cj:yfdf k'uL /f]huf/L, k]zf jf Joj;foaf6 cjsfz lnPkl5 ul/g] e'QmfgL xf] .
To;}u/L s'g} k|fs[lts JolQmsf] d[To' ePdf lghn] kfpg] /sd lghsf] cfl>tnfO{{ e'QmfgL
ubf{ To:tf] e'QmfgLnfO{{ klg cjsfz e'QmfgL elgG5 . ;fdfGotofM cjsfz e'QmfgLsf
pbfx/0fdf :jLs[t jf c:jLs[t cjsfz sf]ifaf6 ul/g] cjsfz e'QmfgL, lgj[lQe/0f, pkbfg,
;~rosf]if, labfsf] ;§f gub, cf}iflw pkrf/ vr{, bL3{ ;]jf ;'ljwf (Long Service
Gratuity), sNof0fsf/L sf]if h:tf cjsfzsf] cj:yfdf k|fKt x'g] o:t} k|s[ltsf cGo e'QmfgL
kb{5g\ . o:tf cjsfz e'QmfgL g]kfn ;/sf/af6, :jLs[t cjsfz sf]ifaf6, :jLs[t glnPsf]
cjsfz sf]ifaf6 jf /f]huf/bftfaf6 x'g] cGo cjsfz e'QmfgL x'g ;Sb5 . t/ hLjg aLdf
nufgL aLdf ePsf] xF'bf nufgL aLdfaf6 x'g] e'QmfgL eg] o; Joj:yf cGtu{t kb}{g .
• g]kfn ;/sf/af6 ul/g] cjsfz e'QmfgL M o;df g]kfn ;/sf/sf] sd{rf/L ;]jf zt{
adf]lhd ;/sf/L ;]jfaf6 lgj[t ePsf] cj:yfdf ul/g] e'QmfgL, h:t}, pkbfg, cf}iflw
pkrf/ vr{, labf afktsf /sd, lgj[lQe/0f cflb kb{5g\ .
• :jLs[t cjsfz sf]ifaf6 ul/g] cjsfz e'QmfgL M gful/s nufgL sf]if tyf sd{rf/L
;~rosf]ifn] ;~rfng u/]sf] cjsfz sf]if jf ljefuaf6 :jLs[lt lnO{ ;~rfng ul/Psf]
cjsfz sf]ifaf6 lgod @) sf] pklgod -@_ sf] v08 -3_ df tf]lsP adf]lhd b]xfosf
cj:yfdf ul/g] e'QmfgL nfO{{ cjsfz e'QmfgL dflgG5 M–
-!_ sd{rf/L jf sfdbf/ ;]jfaf6 cjsfz k|fKt u/]df,
-@_ lxtflwsf/Lsf] pd]/ cG7fpGg jif{ k'u]df, jf
-#_ lxtflwsf/Lsf] d[To' ePdf jf lgh :yfoL ¿kdf ckfË ePdf
• :jLs[lt glnPsf] cjsfz sf]ifaf6 ul/g] cjsfz e'QmfgL M cjsfz ePsf] cj:yfdf
e'QmfgL lbg] p2]Zo /x]sf] t/ ljefuaf6 eg] :jLs[t glnO{ ;~rflnt cjsfz sf]ifaf6
k|fs[lts JolQm cjsfz ePsf] cj:yfdf ul/g] e'QmfgL :jLs[t glnPsf] cjsfz sf]ifaf6
ul/g] cjsfz e'QmfgL dflgG5 .
• cGo cjsfz e'QmfgL M g]kfn ;/sf/ / cjsfz sf]ifaf6 ul/g] e'QmfgL afx]s cjsfzsf]
cj:yfdf ul/g] c? e'QmfgLnfO{{ cGo cjsfz e'QmfgL dflgG5 . pbfx/0fsf] nflu, s'g}
Ps lgsfon] cfkm\gf] sd{rf/L cjsfz ePkl5 e'QmfgL ug]{ ;l~rt labf afktsf] /sd
jf cf}ifwf]krf/ vr{, :j]lR5s cjsfz of]hgf cGtu{t sd{rf/LnfO{{ e'QmfgL ul/g] Psd'i7
tna /sd cflb e'QmfgL .
dfly pNn]v eP cg';f/ lgod @) sf] pklgod @ sf] v08 -3_ sf] k|fjwfg k"/f gu/L cyf{t,
sd{rf/L jf sfdbf/ ;]jfaf6 cjsfz x'g' cufl8 k|fKt ug]{ e'QmfgL, h:t}M Long Service
Gratuity, Leave Encashment, Medical Expenses h:tf e'QmfgL ;]jfsfndfg} k|fKt u/]sf]
cj:yfdf To:tf e'QmfgL cjsfz e'QmfgL cGtu{t kb}{gg\ / To:tf e'QmfgL hlxn] k|fKt ePsf] xf]
;f]xL ;dosf] /f]huf/Lsf] cfodf ;dfj]z ug'{ kb{5 . To:t} cjsfz of]ubfg ug]{ sd{rf/Lafx]s
cGo k|fs[lts JolQm -lxtflwsf/L_ n] cG7fpGg jif{ pd]/ gk'Ub} jf d[To' jf :yfoL ¿kdf ckfË
ePsf] cj:yfdfafx]s cGo cj:yfdf e'QmfgL k|fKt u/]df To:tf e'QmfgL cjsfz e'QmfgL
dflgg]5}g / To:tf] /sd e'QmfgL k|fKt ePsf] ;dodf cfodf ;dfj]z ug'{kg]{ x'G5 . t/ cjsfz
sf]ifsf] :jLs[t ljlgod adf]lhd cjsfz sf]ifaf6 o:tf lxtflwsf/Ln] lnPsf] shf{ /sd sf]ifsf]
cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 6
 nufgL x'g] xF'bf To:tf] shf{ /sdnfO{{ e'QmfgL dflgb}+g . o;/L sf]ifaf6 cfkm\gf lxtflwsf/LnfO{{
nufgL u/]sf] /sd Aofh ;lxt jf lgAof{hL ¿kdf lkmtf{ ug'{ kb{5 . sf]ifdf of]ubfg ePsf]
lghsf] /sd tyf To;df k|fKt k|ltkmnnfO{{ cjsfz e'QmfgL /sd dfgL ;f]df s/s§L ug'{ kb{5 .
Ps eGbf a9L cjsfz sf]if Joj:yfks;Fu cjsfz of]ubfg /sd hDdf u/]sf] cj:yfdf
P]gsf] bkmf ^% sf] pkbkmf -!_ sf] v08 -v_ cg';f/ ;LdfeGbf a9L 5'6 lng ;Sg] ;Defjgf
ePsf] xF'bf sfdbf/ tyf sd{rf/Lsf] xsdf /f]huf/bftfnfO{{ cfkm\gf] of]ubfg /x]sf] csf]{
cjsfz sf]ifsf] af/]df 3f]if0ff ug{ nufpg] / cjsfz x'Fbfsf] cj:yfdf ;f]xL Joxf]/f pNn]v
u/L ;DalGwt csf]{ cjsfz sf]if Joj:yfksnfO{{ hfgsf/L u/fpg' kg]{5 . /f]huf/stf{ afx]s
cGo k|fs[lts JolQmsf] xsdf lghaf6 3f]if0ff lnO{ ;f]sf] hfgsf/L ;DalGwt /fh:j
sfof{nodf lbg'kg]{ bfloTj sf]if Joj:yfkssf] x'g]5 .
!@=$=@ P]gsf] bkmf ^% df cjsfz e'QmfgL ;DaGwdf lgDgfg';f/sf] ljz]if Joj:yf ul/Psf] 5 M–
^%-!_ s'g} k|fs[lts JolQmsf] s'g} :jLs[t cjsfz sf]ifdf /x]sf] of]ubfgdf cfwfl/t lxtaf6
ePsf] jf g]kfn ;/sf/af6 ePsf] cjsfz e'QmfgL cfo u0fgf ug]{ k|of]hgsf] nflu
b]xfo adf]lhd x'g]5 M–
-s_ ;f] sf]ifdf /x]sf] lxt afkt ;f] sf]ifn] u/]sf cjsfz e'QmfgLx¿nfO{{ cfodf
;dfj]; ug'{ kg]{5, /
-v_ v08 -s_ df h'g;'s} s'/f n]lvPsf] eP tfklg olb To:tf] e'QmfgL Psd'i7
¿kdf ul/Psf] 5 eg] o;/L ul/Psf] e'QmfgL /sdaf6 ;f] e'QmfgL /sdsf]
krf; k|ltzt jf kfFr nfv ?k}ofFdWo] h'g a9L x'G5 ;f] /sd 36fO{ x'g]
e'QmfgLnfO{{ ;f] k|fs[lts JolQmsf] u}/ Jofj;flos s/of]Uo ;DklQsf]
lgM;u{af6 k|fKt nfe dflgg]5 .

cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 7

s'g} k|fs[lts JolQmnfO{{ :jLs[t cjsfz sf]if jf g]kfn ;/sf/af6 Psd'i7 cjsfz
e'QmfgL ubf{ P]gsf] bkmf ^% sf] pkbkmf -!_ sf] v08 -v_ cg';f/ nfe u0fgf u/L P]gsf]
bkmf ** sf] pkbkmf -!_ sf] k|ltaGwfTds Joj:yfsf] v08 -!_ cg';f/ % k|ltztsf b/n]
clu|d s/ s§f u/L e'QmfgL lbg' kg]{5 . o;/L clu|d s/ s§f ul/Psf] /sd P]gsf] bkmf
(@ sf] pkbkmf -!_ sf] v08 -5_ cg';f/ clGtd ¿kdf s/ s§L x'g] e'QmfgL
dflgG5 .
pbfx/0f !@=$=!M dfgf}+, dxGt k|;fb eGg] sd{rf/L g]kfn jfo';]jf sDkgLdf sfo{/t
/x]5g\ . lghsf] gf]s/L cjlwdf s§L ul/Psf] cjsfz of]ubfg /sd sd{rf/L
;~rosf]ifdf hDdf ug]{ u/]sf] /x]5 . lgh ldlt @)&^ cfiff9 d;fGtdf gf]s/Laf6 lgj[Q
ePsf /x]5g\ . lghn] cjsfz e'QmfgL @)%* r}q !* ut];Dd ?=^ nfv / To;kl5
?=@% nfv u/L hDdf ?=#! nfv kfpg] b]lvof] . o; cj:yfdf lghsf] cfo u0fgf
lgDgfg';f/ ug'{ kb{5 .
@)%* r}q !* ut];Dd ?=^,)),))).–
To;kl5 lgj[Q xF'bf ;Dd ?=@%,)),))).–
hDdf cjsfz e'QmfgL ?=#!,)),))).–
Go'g @)%* r}q !* ut];Dd kfs]sf]
;~rosf]if /sd 5'6 x'g] ?=^,)),))).–
cfo @%,)),))).–
e'QmfgL /sd ?=@%,)),))).–
36fpg], bkmf ^%-!_-v_ cg';f/ e'QmfgL /sdsf] %)%n] x'g] /sd ?=!@,%),))).– jf
tf]lsPsf] /sd ?=%,)),))).– df a9L x'g] /sd ?=!@,%),))).–
s/of]Uo e'QmfgL ?=!@,%),))).–
% k|ltztsf b/n] clu|d s/ -clGtd ljlw_ ?=^@,%)).–
lghn] hDdf k|fKt ug]{ cjsfz e'QmfgL
-#!,)),))) – ^@,%))_ ?=#),#&,%)).–
^%-@_ s'g} k|fs[lts JolQmsf] s'g} :jLs[lt glnPsf] cjsfz sf]ifdf /x]sf] lxtaf6 ePsf]
nfe u0fgf ug]{ k|of]hgsf nflu b]xfo adf]lhd x'g]5 M–
-s_ afl;Gbf JolQmaf6 /sd e'QmfgL ul/Psf]df clGtd ¿kdf x'g] s/ s§Lsf] ¿kdf
;f] lxtflwsf/L pk/ ;f] /sddf s/ nfUg]5 ,
:jLs[t glnPsf] cjsfz sf]ifaf6 lxtflwsf/LnfO{{ cjsfz /sd e'QmfgL ubf{ s§f ul/Psf]
s/ clGtd x'g]5 .
pbfx/0f !@=$=@M dfgf+}, dfly pNn]v ul/Psf] pbfx/0f !@=$=! df g]kfn jfo' ;]jf
sDkgLaf6 s§f ul/Psf] of]ubfg /sd c:jLs[t cjsfz sf]ifdf hDdf ug]{ u/]sf]
/x]5 . lgh dxGtsf] @)%* r}q !* ut] ;Dd ?=$,)),))).– / ;f] ldlt kZrft
?=@%,)),))).– of]ubfg /x]5 . @)%* r}q !* ut];Dd cflh{t Aofh ?=! nfv
/x]5 . pQm cjsfz sf]ifaf6 lgj[Q x'Fbfsf ;dodf lghn] Psd'i7 ?=#& nfv e'Qmfg
kfpg] /x]5g\ . s/ k|of]hgsf] nflu lghsf nfesf]] u0fgf lgDgfg';f/ ug'{ kb{5 .
lghn] cjsfz sf]ifaf6 k|fKt u/]sf] Psd'i7 cjsfz e'QmfgL ?=#&,)),))).–
cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 8
 Go"g M ?=#),)),))).–
@)%* r}q !* ut] ;Ddsf] of]ubfg ?=$,)),))).–
@)%* r}q !* ut] ;Ddsf] Aofh ?=!,)),))).–
@)%* r}q !* ut]
kZrft lgj[t ;Ddsf] of]ubfg ?=@%,)),))).–
cjsfz sf]ifdf /x]sf] lxt afkt ePsf] nfe ?=&,)),))).–
pQm nfedf P]gsf] bkmf ** sf] pkbkmf -@_ sf] v08 -u_ cg';f/ % k|ltztsf b/n]
x'g] ?=#%,))).–clu|d s/ s§f u/L afFsL x'g cfpg] ?=#^,^%,))).–e'QmfgL ug'{
kb{5 . o:tf] e'QmfgL /sd P]gsf] bkmf (@ sf] pkbkmf -!_ sf] v08 -5_ cg';f/
clGtd s/ s§Lsf] e'QmfgL x'G5 .

-v_ u}/ afl;Gbf JolQmn] /sd e'QmfgL u/]sf]df ;f] lxtflwsf/Lsf] cfo u0fgf ubf{
;f] /sd ;dfj]z ug'{ kg]{5 .
pbfx/0f !@=$=#M dfgf}, dfly !@=$=@ df pNn]v ul/Psf] pbfx/0fdf, cjsfz sf]if u}/
afl;Gbf JolQm /x]5 eg] k|fKt nfe ?=&,)),))).– nfO{{ dxGt k|;fbn] cfodf ;dfj]z
u/L cfo ljj/0f bflvnf ug'{ kb{5 .
P]gsf] bkmf ^% df nfe u0fgf ug]{ k|of]hgsf] nflu lgDgfg';f/sf] :ki6Ls/0f lbOPsf] 5 M
o; bkmfsf] k|of]hgsf] nflu æ:jLs[lt glnPsf] cjsfz sf]ifdf /x]sf] lxt afkt ePsf]
nfeÆ eGgfn] :jLs[lt glnPsf] cjsfz sf]ifnfO{{ ;f] sf]ifdf /x]sf] lxt afkt
lxtflwsf/L k|fs[lts JolQmaf6 a'emfOPsf] cjsfz of]ubfgx¿sf] /sdeGbf ;f] sf]ifaf6
;f] JolQmsf] lxt afkt ;f] JolQmnfO{{ ul/Psf] cjsfz e'QmfgL a9L eP o:tf] a9L
ePhltsf] /sd ;Demg' k5{ .
t/, lxtflwsf/Lsf] of]ubfg gx'g] s'g} sf]if -gg\ sG6«LAo'6/L km08_ af6 ePsf]
e'QmfgLnfO{{ :jLs[lt glnPsf] cjsfz sf]ifdf /x]sf] lxt afkt ePsf] nfe dflgg] 5}g .
pko'Q
{ m Joj:yf tnsf] pbfx/0faf6 :ki6 kfl/Psf] 5 M
pbfx/0f !@=$=$M dfgf}, ;fdGt /fO{ afl0fHo a}+sdf sfo{/t clws[t sd{rf/L /x]5g\ .
a}+ssf] sd{rf/L ;]jf zt{ cg';f/ a}+sn] sd{rf/L ;'/If0f sf]if :yfkgf u/L x/]s jif{ pQm
sf]ifdf /sd hDdf ub}{ cfPsf] /x]5 / lgh sd{rf/L a}+saf6 cjsfz k|fKt ubf{ ;f]
sf]ifaf6 ?=#,)),))).–e'QmfgL kfPsf /x]5g\ eg] pQm sf]ifaf6 k|fKt x'g] cjsfz
e'QmfgL :jLs[lt glnPsf] cjsfz sf]ifdf /x]sf] lxt afkt k|fKt ePsf] nfe gdfgL Non
contributory Fund af6 k|fKt ePsf] cjsfz e'QmfgL ePsf] / To:tf] e'QmfgLdf P]g sf]
bkmf ** sf] pkbkmf -!_ cg';f/ !% k|ltztsf b/n] clu|d s/ s§f ug'{ kb{5 . o:tf]
e'QmfgL P]gsf] bkmf (@ sf] pkbkmf -!_ sf] v08 -5_ cg';f/ clGtd ¿kdf s/ s§L x'g]
e'QmfgL dflgg]5 .
!@=$=#= lgod @) sf] pklgod -^_ df P]g k|f/De x'g' eGbf cufl8sf] cjsfz e'QmfgLdf s/ ;DaGwL
k|fjwfg lgDgfg';f/ x'g] Joj:yf u/]sf] 5 M–

cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 9

v08 -s_ P]g k|f/De x'g'eGbf cl3sf cfojif{x¿df sd{rf/L jf sfdbf/sf] ;~rosf]if jf
gful/s nufgL sf]ifdf hDdf ePsf] ;fFjf Aofh nufotsf /sddf / ;f]
cjlw;Dd kfs]sf] pkbfg tyf ;+l~rt labf afktsf] /sddf s/ 5'6 x'g],
cfos/ P]g, @)%* nfu" x'g' eGbf k"j{ cfos/ P]g, @)#! cg';f/ s/ lgwf{/0f x'g] Joj:yf
lyof] . cfos/ P]g, @)#! cg';f/ sfod ;'ljwfsf] k|Tofe"lt cfos/ P]g, @)%* n] klg
lbPsf] 5 . of] P]g @)%* r}q !( ut]b]lv nfu" ePsf] x'bF f ;f] cjlw;Ddsf] ;~rosf]if /
gful/s nufgL sf]ifdf hDdf u/]sf] ;fFjf Aofh nufotsf /sddf s/ gnfUg] Joj:yf u/]sf]
5 . ;fy} ;f] cjlw;Dd kfs]sf] pkbfg tyf ;l~rt labf afktsf] /sddf klg s/ nfUb}g .
pko'{Qm Joj:yf tnsf] pbfx/0faf6 :ki6 kfl/Psf] 5 M
pbfx/0f !@=$=%M dfgf}+, xl/ k|;fb sfkm\n] g]=a}+=ln=df @)$$ a}zfv ! ut] ;xfos
:t/df lgo'Qm ePsf /x]5g\ . lgh @)^% h]i7 ! ut] ;]jfaf6 lgj[Q eP . lgj[Q x'Fbfsf
cj:yfdf lghn] lgDgfg';f/sf /sd k|fKt u/]sf /x]5g\ .
-!_ ;~ro sf]if @)%* r}q !* ut];Dd ;fFjf ?=$,)),)))÷–
-@_ ;~ro sf]if @)%* r}q !( ut] b]lv @)^% a}zfv
d;fGt ;Ddsf] ;fFjf ?=*,)),)))÷–
-#_ ;~ro sf]if @)%* r}q !* ut];Dd Aofh ?=!,%),)))÷–
-$_ ;~ro sf]if @)%* r}q !( ut] b]lv @)^% a}zfv
d;fGt ;Ddsf] Aofh ?=!,%),)))÷–
;~rosf]if afkt hDdf k|fKt ug]{ /sd ?= ?=!%,)),)))÷–
cfos/ lgodfjnL, @)%( sf] lgod @) sf] pklgod -^_ -s_ cg';f/ lghsf] s/ 5'6
x'g] /sdsf] u0fgf lgDgfg';f/ ug'{ kb{5 .
P]g nfu" x'g'eGbf k"j{sf] ;~rosf]if ;fFjf ?=$,)),)))÷–
P]g nfu" x'g'eGbf k"j{sf] ;~rosf]if Aofh ?=!,%),)))÷–
5'6 x'g] ;~ro sf]if /sd ?= %,%),)))÷–
P]g nfu" e};s] kZrftsf] cjsfz e'QmfgLsf] u0fgf lgDgfg';f/ ug'{kb{5 .
P]g nfu" kZrftsf] ;~rosf]if -cjsfz sf]if_ /sd ?=*,)),)))÷–
P]g nfu" kZrft ;~rosf]if -cjsfz sf]if_ df Aofh ?=!,%),)))÷–
hDdf ;~ro sf]if /sd ?= (,%),)))÷–
P]g nfu" e};s] kZrft ;~rosf]if /sd ;d]tnfO{{ cjsfz sf]if elgG5, olb pQm
cjsfz sf]if :jLs[t cjsfz sf]if ePsf] cj:yfdf ;f] sf]ifaf6 ul/g] e'QmfgLnfO{{ s/
k|of]hgsf] nflu lgDgfg';f/ u0fgf ug'{kb{5 .
P]g nfu" ePkZrftsf] cjlwsf] :jLs[t cjsfz sf]ifaf6 k|fKt s"n /sd
?=(,%),)))÷–
P]gsf] bkmf ^% sf] pkbkmf -!_ sf] v08 -v_ cg';f/ nfe u0fgf ubf{ e'QmfgL /sdsf]
%)Ü jf ?=%,)),)))÷–dWo] h'g a9L x'G5 ;f] /sd 36fpg' kb{5, h; cg';f/,
-!_ e'QmfgL /sdsf] %)Ü n] x'g] /sd ?=$,&%,)))÷–
-@_ tf]lsPsf] /sd ?=%,)),)))÷–
P]g nfu" e};s] kZrft :jLs[t cjsfz sf]ifaf6 hDdf ?=(,%),)))÷–e'QmfgL k|fKt
cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 10
 u/]sf]df P]gsf] bkmf ^% sf] pkbkmf -!_ sf] v08 -v_ cg';f/ nfe u0fgf ubf{
?=%,)),)))÷–5'6 kfpg] ePsf]n] ;f] s§f u/L afFsL ?=$,%),)))÷–df P]gsf] bkmf
** sf] pkbkmf -!_-!_ adf]lhd kfFr k|ltztsf b/n] s/ s§f u/L ;f] cjsfz sf]ifn]
afFsL /sd lghnfO{{ e'QmfgL lbg' kb{5 .
P]g nfu" e};s] kZrft olb cjsfz sf]if c:jLs[t cjsfz sf]if ePsf] cj:Yffdf e'QmfgL k|fKt
u/]sf] /sd / ;f] sf]ifdf of]ubfg u/]sf] /sdsf] km/s /sddf clu|d s/ s§f ug'{ kb{5 .
pko'{Qm Joj:yf tnsf] pbfx/0faf6 :ki6 kfl/Psf] 5 M
pbfx/0f !@=$=^ dfgf}+, xl/ sfkm\n]n] of]ubfg u/]sf] cjsfz sf]if lghn] cjsfz k|fKt
ubf{sf avt :jLs[lt glnPsf] cjsfz sf]ifdf kl/0ft ePsf] /x]5 . lghsf] ;f]
cjsfz sf]ifsf] of]ubfg / k|fKt u/]sf] e'QmfgL lgDgfg';f/ /x]5M
-!_ ;~ro sf]if – @)%* r}q !( ut] b]lv
a}zfv d;fGt @)^) ;Ddsf] ;fFjf =============== ?=$,%),)))÷–
-@_ P] cjlwdf ;~ro sf]ifsf] /sddf Aofh =========== ?=%),)))÷–
hDdf e'QmfgL /sd ?= %,)),)))÷–
pQm ;fFjf /sddWo] lgh xl/ sfkm\n]sf] cfkm\gf] of]ubfg /sd ?=$,%),))).–
/x]5 eg] ;f]df lgDgfg';f/ s/ s§f ug{' k5{ .
-!_ e'QmfgL x'g] /sd ?=%,)),)))÷–
-@_ pQm sf]ifdf cfkm\gf] of]ubfg /sd ?=$,%),)))÷–
s/ k|of]hgsf] nflu nfe M– ?=%),)))÷–
P]gsf] bkmf ** -!_ cg';f/ e'QmfgL ubf{ % k|ltztsf b/n] x'g] ?=@,%)).–clu|d s/
s§f u/L afFsL /sd e'QmfgL ug'{ kb{5 .
t/, pQm e'QmfgL g]kfn ;/sf/af6 k|fKt ePsf] eP bkmf ^% sf] pkbkmf -!_ sf] v08 -v_
cg';f/ x'g cfpg] nfe cyf{t ?=% nfv jf e'QmfgL /sdsf] krf; k|ltztdWo] h'g a9L x'G5
;f] s6fO{ afFsL /sddf % k|ltztsf b/n] s/ s§L ug'{kg]{ x'G5 .
pko'Q { m Joj:yf tnsf] pbfx/0faf6 :ki6 kfl/Psf] 5 M
pbfx/0f !@=$=&M dfgf}+, dfly pbfx/0f !@=$=% df a}+ssf] sd{rf/L ljlgofdfjnL cg';f/
pkbfgsf] lgDgfg';f/ Joj:yf /x]5 .
% jif{ ;]jf cjlw k"/f ePsf nflu – k|lt jif{ ;]jf cjlw k"/fsf] nflu cfwf dlxgfsf]
tna
% jif{ eGbf a9L !) jif{;Dd – k|lt jif{ ;]jf cjlw k"/fsf] nflu Ps dlxgfsf]
tna
!) jif{ eGbf a9L !% jif{;Dd – k|lt jif{ ;]jf cjlw k"/fsf] nflu 8]9 dlxgfsf]
tna
!% jif{ eGbf a9L – k|lt jif{ ;]jf cjlw k"/fsf] nflu b'O{ dlxgfsf] tna
;]jf lgj[Q x'Fbf lghsf] tnj ?=$),))).–k|lt dlxgf /x]5 . lghsf] @)%* r}q !*
ut];Dd ^) lbg / lgj[Q x'Fbf !@) lbg 3/ labf /x]5 . ;f] afkt ?=!,^),))).–

cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 11

 e'QmfgL k|fKt u/]sf /x]5g\ . lghsf] s/ u0fgf lgDgfg';f/ ug'{kb{5 .
pkbfg /sd e'QmfgL -@!=)* jif{sf] k|lt jif{ @ dlxgfsf] tna a/fa/_ ?=!^,*^,$)).–
cfos/ lgodfjnL, @)%(sf] lgod @) -^_ cg';f/ P]g k|f/De x'g' eGbf cufl8 / k5fl8sf]
;l~rt labf afktsf] /sd / kfs]sf] pkbfg lgDgfg';f/ u0fgf ug'{kb{5 . hDdf ;]jf cjlw
@! jif{ ! dlxgfdWo] @)%* r}q !* ut];Dd ;]jf cjlw !$ jif{ !! dlxgf !* lbg .

– 3/ labf !@) lbgafkt k|fKt /sd ?=!,^),))).–

@)%* r}q !* ut] ;Ddsf] kfs]sf] ljbf ^) lbgsf] ?=*),))).–
labf afkt s/of]Uo cjsfz e'QmfgL -s_ ?=*),))).–
– pkbfg /sd – ?=!^,*^,$)).–
@)%* r}q !* ut];Dd kfs]sf] pkbfg – ?=-!!,(^,@$).–_
-$),)))  !$=(%# jif{  @ dlxgfsf b/n]_
s/of]Uo cjsfz pkbfg -v_ ?=$,(),!^).–
s/ k|of]hgsf] nflu cjsfz e'QmfgL -s±v_ ?=%,&),!^).–
pQm s/ k|of]hgsf] nflu u0fgf ul/Psf] cjsfz e'QmfgL ?=%,&),!^).–df cfos/ P]g @)%*
sf] bkmf **-!_ cg';f/ !%Ü sf b/n]] clu|d s/ s§L u/L e'QmfgL lbg' kb{5 . o;/L clu|d s/
s§f u/L e'QmfgL k|fKt /sd P]gsf] bkmf (@ cg';f/ clGtd s/ s§L u/L k|fKt ul/Psf] e'QmfgL
x'g] x'Fbf P]gsf] bkmf *-#_ cg';f/ /f]huf/Lsf] cfo u0fgf ubf{ ;dfj]z ug'{ kb}{g . o;df lgod
@) -^_ sf] v08 -s_ df P]g nfu" x'g'eGbf k"j{ kfs]sf] pkbfg / labf afktsf] /sd cjsfz
x'Fbfsf cj:yfdf dfq lx;fa lstfa u/L e'QmfgL ul/g] x'Fbf cjsfz x'Fbfsf cj:yfdf vfOkfO{
cfPsf] tnaaf6 u0fgf u/L s/ 5'6 lbg' kb{5 .
t/ pQm e'QmfgL g]kfn ;/sf/af6 k|fKt ePsf] eP bkmf ^% sf] pkbkmf -!_ sf] v08
-v_ cg';f/ x'g cfpg] nfe cyf{t ?=% nfv jf e'QmfgL /sdsf] krf; k|ltztdWo] h'g
a9L x'G5 ;f] s6fO{ afFsL /sddf % k|ltztsf b/n] s/ s§L ug'{kg]{ x'G5 .
v08 -v_ P]g k|f/De x'Fbfsf avt ;]jfdf /x]sf sd{rf/L jf sfdbf/nfO{{ ;]jfaf6 cjsfz
x'Fbf lghx¿sf] ;]jf zt{ ;DaGwL lgod cg';f/ e'QmfgL x'g] Ps nfv c;L
xhf/ ?k}ofF;Ddsf] cf}iflw pkrf/ vr{ /sdnfO{{ ;f] sd{rf/L jf sfdbf/sf]
cfodf ;dfj]z gul/g] .
pQm cj:yf v'Ng] pbfx/0f tn k|:t't ul/Psf] 5 M
pbfx/0f !@=$=*M dfgf}+, :j]R5f skfnL ljsf; a}+s lnld6]8df @)%@ ebf} ! ut]b]lv
sfo{/t sd{rf/L x'g\ . a}+ssf] sd{rf/L ;]jf zt{ ljlgodfjnL cg';f/ cjsfz x'Fbfsf]
cj:yfdf k|lt Ps jif{ ;]jf cjlwsf] nflu Ps dlxgfsf] tna cf}iflw pkrf/ vr{ lbg]
Joj:yf /x]5 . lghsf] cGo ljj/0f lgDgfg';f/ /x]5 .
-s_ ;]jf lgj[Q M @)^$ >fj0f #! ut]
-v_ lgj[Q x'Fbfsf] cj:yfdf tnj ?=@),))).–k|lt dlxgf .
-u_ ;]jf cjlw M !@ jif{
Dffly pNn]v ul/Psf ;"rgfsf cfwf/df lghsf] cf}iflw pkrf/ vr{ s/ k|of]hgsf] nflu
lgDgfg';f/ u0fgf ul/G5 .
-s_ ;]jf cjlw !@ jif{

cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 12

 -v_ cf}iflw pkrf/ vr{ afkt e'QmfgL /sd M !@X@),))).– ?=@,$),))).–
lgod @) sf] pklgod ^-v_ cg';f/ 5'6 x'g] /sd ?=!,*),))).–
cf}ifwL pkrf/ vr{ cGtu{tsf] cjsfz e'QmfgL ?=^),))).–
g]kfn a}+s lnld6]8n] lghnfO{{ e'QmfgL ug'{kg]{ ?=@,$),))).–df ?=(,))).–
-^),)))X!%Ü_ s/ s§f u/L afFsL x'g cfpg] /sd ?=@,#!,))).–e'QmfgL ug'{ kb{5 .
!@=%= cjsfz of]ubfg /sd
P]gsf] bkmf @ sf] v08 -r_ adf]lhd æcjsfz of]ubfg /sdÆ eGgfn] cjsfz e'QmfgLsf]
Joj:yf jf ;f]sf] eljiodf ul/g] Joj:yfsf] nflu cjsfz sf]ifdf ul/Psf] e'QmfgL ;Demg'
k5{ .
cjsfz of]ubfg /sd eGgfn] k|fs[lts JolQmn] cfkm}n] jf ;Da4 JolQm cyf{t /f]huf/stf{sf]
xsdf /f]huf/bftfn] hDdf ul/lbPsf] cjsfz of]ubfg /sdnfO{{ ;d]t hgfpF5 .
pbfx/0f !@=%=! M xldb cxdb dfl;s ?=@),))).–kfl/>lds kfpg] u/L sdn]z k|f=
ln=df sfo{/t /x]5g\ . pQm sDkgLaf6 ?=@,))).–k|lt dlxgf lghsf] gfddf cjsfz
sf]ifdf hDDff ul/g] / ;f] sf]ifdf lghn] a]Un} ?=@,))).–nufgL u/]sf] eP b'j} u/L x'g]
?=$,))).–nfO{{ lgh xldb cxdbsf] cjsfz of]ubfg /sd dflgG5 .
cjsfz of]ubfg :jLs[t cjsfz sf]if jf :jLs[lt glnPsf] cjsfz sf]ifdf x'g
;Sb5 . :jLs[t cjsfz sf]ifdf ul/Psf] cjsfz of]ubfg P]gsf] bkmf ^# sf] cwLgdf /xL
s/of]Uo cfoaf6 36fO{ kfpFg bfaL ug{ ;lsG5 eg] :jLs[lt glnPsf] cjsfz sf]ifdf ul/Psf]
cjsfz of]ubfg s/of]Uo cfoaf6 36fO{ kfpg bfaL ug{ ;lsb}g .
!@=^= cjsfz of]ubfgsf] ;Ldf M
lgod @! df cjsfz of]ubfgsf] ;Ldf lgDgfg';f/ x'g] Joj:yf ul/Psf 5 M
s'g} cfo jif{df :jLs[t cjsfz sf]ifsf] lxtflwsf/L k|fs[lts JolQmn] cjsfz sf]ifdf
cjsfz of]ubfg ubf{ tLg nfv ?k}ofF jf lghsf] lgwf{/0fof]Uo cfosf] Ps ltxfO{df h'g 36L
x'G5 ;f] /sd;Dd cfkm\gf] s/of]Uo cfoaf6 36fpg ;Sg]5 .
t/ of]ubfgdf cfwfl/t ;fdflhs ;'/Iff sf]if P]g, @)&$ adf]lhd :yfkgf ePsf] ;fdflhs
;'/Iff sf]ifdf of]ubfg ug]{ sf]ifsf] lxtflwsf/L k|fs[lts JolQmn] ;f] sf]ifdf of]ubfg ubf{ kfFr
nfv ?k}ofF jf lghsf] lgwf{/0fof]Uo cfosf] Ps ltxfO{df h'g 36L x'G5 ;f] /sd;Dd cfˆgf]
s/of]Uo cfoaf6 36fpg ;Sg]5 .
o; Joj:yf v'Ng] pbfx/0f tn k|:t't ul/Psf] 5 M
pbfx/0f !@=^=!M dfgf}+, ckl/lhtf sZok ljsf; a}+s lnld6]8df sfo{/t sd{rf/L x'g\ . lghn]
a}+saf6 lgDgfg';f/sf] tnj ;'ljwf k|fKt u/]sL /lxl5g\ .
dfl;s tnj ?=@),))).–k|lt dlxgf
lzIff eQf ?=@,))).–k|lt dlxgf
n'uf eQf ?=!),))).–k|lt jif{
bz} vr{ Ps dlxgfsf] tna
;jf/L;fwg eQf ?=!,))).–k|lt dlxgf
6]lnkmf]g vr{ ?=!,))).–k|lt dlxgf
cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 13
lghnfO{{ a}sn] cfjf; Joj:yf u/]sf] /x]5 .
a}+sn] lghsf] tnaaf6 !) k|ltzt s§f u/L ;f]xL /sd a/fj/ yk u/L :jLs[t cjsfz
sf]ifdf hDdf ug]{ u/]sf] /x]5 .
tna @),)))X!@ ?=@,$),))).–
lzIff eQf @,))) X!@ ?=@$,))).–
n'uf eQf ?=!),))).–
bz} vr{ ?=@),))).–
;jf/L ;fwg eQf !,))) X!@ ?=!@,))).–
6]lnkmf]g vr{ !,))) X!@ ?=!@,))).–
cfjf; ;'ljwf -@$),))) X @÷!))_ ?=$,*)).–
yk cjsfz of]ubfg -@$),))) X!)÷!))_ ?=@$,))).–
lgwf{/0fof]Uo cfo ?=#,$^,*)).–
36fpg]
cjsfz of]ubfg
bkmf ^#-@_ / lgod @! cg';f/ u0fgf ul/P dWo] sd /sd 5'6 x'g],
i. Jff:tljs of]ubfg
-@$,)))+@$,)))_ ?=$*,))).–
ii. lgwf{/0fof]Uo cfosf] Ps
ltxfO{ x'g] /sd ?= !,!%,^)).–
-#,$^,*))X!÷#_
iii. clwstd ;Ldf ?= #,)),))).–
s/of]Uo cfo ?= @,(*,*)).–
pbfx/0f !@=^=@M dfgf}+, dfly pbfx/0f !@=^=! df pNn]v ul/Psf] pbfx/0fdf pNn]v ul/P
cg';f/sf] lgwf{/0fof]Uo cfo ?=#,$^,*)).–/ lghn] cfkm\gf] tkm{af6 gful/s nufgL sf]ifdf k|lt
dlxgf !),))).–yk of]ubfg u/]sL /lx5g\ eg] lghsf] of]ubfg lgDgfg';f/ u0fgf ug'{kb{5 .
lgwf{/0fof]Uo cfo ?= #,$^,*)).–
36fpg]
cjsfz of]ubfg
bkmf ^#-@_ / lgod @! cg';f/ u0fgf ul/P dWo] sd /sd 5'6 x'g],
i. Jff:tljs of]ubfg ?=!,^*,))).– ?=!,!%,^)).–
lj=j}=ln=cjsfz sf]if ?=$*,))).–
gful/s nufgL sf]if ?=!,@),))).–
ii. lgwf{/0fof]Uo cfosf] Ps
ltxfO{ x'g] /sd ?= ?=!,!%,^)).–
-#,$^,*))X!÷#_
iii. clwstd ;Ldf ?=#,)),))).–
s/of]Uo cfo ?= ?=@,#!,@)).–

P]gsf] bkmf $ sf] pkbkmf -#_ sf] v08 -u_ adf]lhd /f]huf/bftfn] e'QmfgL u/L lbPsf]
cjsfz of]ubfg afx]s cGo cjsfz of]ubfg s/of]Uo cfoaf6 36fO{ kfpgsf] nflu bfaL

cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 14

 ug{ lghn] cfkm\gf] cfo ljj/0f eg] k]z ug'{ kb{5 . olb gful/s nufgL sf]if jf
/f]huf/bftf;Fusf] s/f/ cg';f/ cGo cjsfz sf]ifdf /f]huf/bftf cfkm}n] lghsf] tkm{af6
kfl/>ldsaf6 s§f u/L hDdf ul/lbPsf] cj:yfdf To:tf] /f]huf/stf{sf] cGo cfo gePdf
cfo ljj/0f eg] bflvnf ug'{ kb}{g .
cfos/ lgodfjnL, @)%( sf] bzf}+ ;+zf]wgaf6 æt/ of]ubfgdf cfwfl/t ;fdflhs ;'/Iff
sf]if P]g, @)&$ adf]lhd :yfkgf ePsf] ;fdflhs ;'/Iff sf]ifdf of]ubfg ug]{ sf]ifsf]
lxtflwsf/L k|fs[lts JolQmn] ;f] sf]ifdf of]ubfg ubf{ kfFr nfv ?k}ofF jf lghsf]
lgwf{/0fof]Uo cfosf] Ps ltxfO{df h'g 36L x'G5 ;f] /sd;Dd cfˆgf] s/of]Uo cfoaf6
36fpg ;Sg]5Æ eGg] k|ltaGwfTds jfSof+z ylkPsf] x'Fbf pQm sf]ifdf of]ubfg ug]{sf] xsdf
kfFr nfv ?k}ofF jf lgwf{/0fof]Uo cfosf] Ps ltxfO{df h'g 36L x'G5 ;f] /sd lgwf{/0fof]Uo
cfoaf6 36fpg kfpFb5 .
!@=&= cjsfz sf]ifdf s/M
P]gsf] bkmf ^$ df cjsfz sf]ifsf] s/ ;DaGwdf lgDgfg';f/ Joj:yf u/]sf] 5 M
^$-!_ cjsfz sf]ifsf] cfo lgwf{/0f ug]{ k|of]hgsf] nflu o; P]g adf]lhd ;dfj]z x'g] jf
s§L x'g] /sdx¿ sf]ifsf] cfo u0fgf ubf{ ;dfj]z jf s§L ug'{ kg]{5 .
t/–
-s_ ;f] sf]ifdf k|fKt of]ubfg ;f] sf]ifsf] cfDbfgL x'g] 5}g / To:tf of]ubfgnfO{{
u0fgfdf ;dfj]z ul/g] 5}g .
cjsfz sf]ifn] k|fKt ug]{ of]ubfg /sd sf]ifsf] cfDbfgL x'g] 5}g . pbfx/0fsf] nflu sd{rf/L
;~ro sf]ifn] ljleGg lghfdtLsf ;fy} cGo ;+3 ;+:yfaf6 k|fKt u/]sf] of]ubfg /sd
sd{rf/L ;~ro sf]ifsf] cfDbfgL dflgb+}g .
-v_ cjsfz e'QmfgLx¿ ;f] sf]ifsf] vr{ x'g] 5}g / To:tf e'QmfgLnfO{{ cfosf] u0fgf
ubf{ s§L ug{ kfOg] 5}g .
ljleGg lxtflwsf/Ln] cjsfzsf] cj:yfdf k|fKt ug]{ cjsfz e'QmfgL ;f] cjsfz sf]ifsf] vr{
dflgb+}g . h:t}M ljleGg sfof{nodf sfo{/t sd{rf/Lx¿ ;]jfaf6 lgj[Q xF'bfsf] cj:yfdf
sd{rf/L ;~ro sf]if dfkm{t ul/g] cjsfz e'QmfgL /sd sd{rf/L ;~ro sf]ifsf] vr{
dflgb}+g .
o; Joj:yf v'Ng] pbfx/0f tn k|:t't ul/Psf] 5 M
pbfx/0f !@=&=!M dfgf}+, g]kfn jfo';]jf sDkgLdf sfo{/t sd{rf/L xl/x/ ljZjsdf{ @)^% h]i7
!@ ut] sDkgLaf6 ;]jf lgj[Q ePsf /x]5g\ . ;]jf cjlwe/ sDkgLn] pQm sd{rf/Lsf]
;~rosf]if afkt ?=*,)),))).– :jLs[t cjsfz sf]ifdf k7fPsf] /x]5 . ;]jf lgj[Q ePsf]
;dodf pQm cjsfz sf]ifn] ?=!),)),))).– lgh sd{rf/LnfO{{ e'Qmfg ug'{kg]{ /x]5 . o;/L ;f]
sf]ifn] k|fKt u/]sf] cjsfz of]ubfg ?=*,)),))).– ;f] sf]ifsf] cfDbfgL dflgb+}g eg] ;f]
sd{rf/LnfO{{ cjsfz e'QmfgL u/]sf] ?=!) nfv klg ;f] sf]ifsf] vr{ dflgb+}g .
-u_ s'g} lxtflwsf/Lsf] cjsfz sf]ifdf /x]sf] lxt ;f] sf]ifsf] bfloTj x'g] 5}g .

cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 15

Dffly pNn]v ul/Psf] pbfx/0f cg';f/ lgudsf sd{rf/Lsf] cjsfz of]ubfg -lxt_ sd{rf/L
;~rosf]if -cjsfz sf]if_ sf] bfloTj x'b}g . cjsfz sf]ifn] cjsfz of]ubfg k|fKt ubf{ cfo
gdflgg] / pQm sf]ifaf6 lxtflwsf/LnfO{{ e'QmfgL ubf{ ;f] sf]ifsf] vr{ klg gdflgg] x'Fbf
lxtflwsf/Lsf] lxt klg sf]ifsf] bfloTj gdflgPsf] xf] . sf]if lxtflwsf/Lsf] Gofo (Trust) sf]
¿kdf /xg] lgsfo xf] . lxtflwsf/Lsf] ¿kdf /x]sf k|fs[lts JolQm g} ;f] sf]ifsf] cf–cfkm\gf]
vftf OsfO{sf] clwsf/L -dflns_ x'g\ . sf]ifsf] Joj:yfkgn] cfos/ lgodfjnLsf] lgod @)
sf] pklgod -@_ n] tf]s]sf] If]qdf nufgL u/L lxtflwsf/Lsf] nflu nfe cfh{g ul/lbg] dfq
xf] .
^$-@_ :jLs[t cjsfz sf]ifsf] cfodf s/ nfUg] 5}g .
sd{rf/L ;~rosf]if, ;fdflhs ;'/Iff sf]if, lgj[Qe/0f sf]if tyf gful/s nufgL sf]ifn]
;~rfng u/]sf] cjsfz sf]if / ljefuaf6 :jLs[lt k|fKt u/L ;~rfngdf /x]sf cjsfz
sf]ifsf] cfDbfgLdf s/ nfUb}g .
^$-#_ s'g} :jLs[t cjsfz sf]if To:tf] sf]ifsf] ¿kdf g/x]df To:tf] sf]ifn] v08 -s_
adf]lhdsf] /sdaf6 v08 -v_ adf]lhdsf] /sd 36fO{ x'g] /sddf cg';"rL–! sf]
bkmf @ sf] pkbkmf -!_ df plNnlvt s/sf] b/ cg';f/ x'g cfpg] /sd s/ a'emfpg'
kg]{5 M–
-s_ ;f] sf]ifaf6 :jLs[t cjsfz sf]ifsf] ¿kdf :jLs[lt k|fKt u/]sf] ldltb]lv
dfGotf ;dfKt ePsf] ldlt;Ddsf] cjlw aLr ;f] sf]ifdf hDdf ePsf] ;a}
cjsfz of]ubfgx¿ / pkbkmf -@_ nfu" gePsf] eP s/of]Uo cfo dflgg] ;a}
cfo /sd,
-v_ ;f] sf]ifaf6 :jLs[t cjsfz sf]ifsf] ¿kdf :jLs[lt k|fKt u/]sf] ldltb]lv
dfGotf ;dfKt ePsf] ldlt;Ddsf] cjlw aLr ;f] sf]ifn] e'QmfgL lbPsf] ;a}
cjsfz e'QmfgL /sd .
olb s'g} klg :jLs[t cjsfz sf]if To:tf] sf]ifsf] ¿kdf g/x]df cyf{t :jLs[lt glnPsf]
cjsfz sf]ifdf kl/0ft ePsf] cj:yfdf To:tf] sf]ifsf] cfodf cg';'rL–! sf] bkmf @ sf]
pkbkmf -!_ cg';f/ @%% sf b/n] s/ nfU5 .
o; Joj:yf v'Ng] pbfx/0f tn k|:t't ul/Psf] 5 M
pbfx/0f !@=&=@M Dffgf+} g]kfn ;[hg sDkgL ln=n] cfkm\gf sfdbf/ sd{rf/Lsf] nflu ldlt
@)^) cfiff9 d;fGtsf lbg ljefuaf6 :jLs[lt k|fKt u/L cjsfz sf]if ;~rfng
ul//x]sf] 5 . pQm sf]ifsf] lx;fa lstfa lgDgfg';f/ 5 .
cf=j=^)÷^! cjsfz of]ubfg ?=@%,)),))).–
cf=j=^)÷^! nufgLaf6 k|fKt Aofh ?=!,%),))).–
cf=j=^!÷^@ cjsfz of]ubfg ?=#),)),))).–
cf=j=^!÷^@ nufgLaf6 k|fKt Aofh ?=$,)),))).–
cf=j=^)÷^! Dff cjsfz e'QmfgL ?=!%,)),))).–
cf=j=^!÷^@ Dff cjsfz e'QmfgL ?=!$,)),))).–
cf=j=^)÷^! Dff cjsfz sf]if ;~rfng vr{ ?=!,)),))).–
cf=j=^!÷^@ Dff cjsfz sf]if ;~rfng vr{ ?=!,!),))).–

cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 16

Dffgf} pQm cjsfz sf]if @)^@ h]i7 d;fGtsf lbgb]lv ljefun] lbPsf] :jLs[lt /2
u/]sf] hfgsf/L u/fof] . o; cj:yfdf :jLs[t cjsfz sf]if c:jLs[t cjsfz sf]ifdf
@)^@ h]i7 d;fGtsf lbgb]lv kl/0ft ePsf] xF'bf pQm cjsfz sf]ifsf] s/ u0fgf
lgDgfg';f/ ug'{ kb{5 .
:jLs[lt k|fKt ePsf] ldlt M @)^) cfiff9 d;fGt
:jLs[lt ;dfKt ePsf] ldlt M @)^@ h]i7 d;fGt
:jLs[lt k|fKt ePsf] ldlt b]lvsf] of]ubfg ?=%%,)),))).–
:jLs[lt ;dfKt ePsf] ldlt;Dd nufgLaf6 k|fKt AofhM ?=%,%),))).–
Go"gM cjsfz sf]if ;~rfng vr{ ?= -@,!),))).–_
:jLs[lt ;dfKt ePsf] ldlt;Ddsf] s/of]Uo cfo ?=#,$),))).–
ePsf] ldlt;Dd nufgLaf6 k|fKt Aofh
hDdf cfo -s_ ?=%*,$),))).–
cjsfz e'QmfgL M
cf=j=^)÷^! ?=!%,)),))).–
cf=j=^!÷^@ ?=!$,)),))).–
hDdf cjsfz e'QmfgL -v_ ?=@(,)),))).–
s/of]Uo cfo -s –v_ ?=@(,$),))).–
s/sf] b/ @%% ?=&,#%,))).–

cfos/ lgb]{lzsf, @)^^ -;+=;=_÷ 17