SF) ljj/0f KQ

sDkgL P]g, @)^# cGtu{t ;+:yflkt / a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhd sfd sf/f]jf/
ug{ Ohfhtkq k|fKt
/lhi68{ sfof{no M Uff]bfj/L gu/kflnsf j8f g+= !, Uff]bfj/L, s}nfnL

kmf]g g+= )(!–%%)$@) Od]n: info@khaptadmfi.com.np j]j;fO6 : khaptadmfi.com.np
sf] ljj/0f kq
-lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt_
ljQLo ;+:yfsf] hf/L k"h
F L ? $,)),)),)))÷– -rf/ s/f]8 dfq_ sf] ## k|ltztn] x'g cfpg] ?=!,#@,)),))) -Ps s/f]8 aQL; nfv_ /sd a/fa/ k|lt z]o/ ?=
!)).— clÍt b/sf !,#@,))) lsQf ;fwf/0f z]o/sf] ;j{;fwf/0fdf lgisfzg ug{ nfluPsf] z]o/sf] !=%!%! k|ltztn] x'g] @))) -hf/L k'FhLsf] )=% k|ltzt_
lsQf z]o/ sd{rf/Lx?, ;j{;fwf/0fnfO{ 5'6\ofOPsf] z]o/ dWo]sf] %Ü cyf{t\ ^,^)) lsQf z]o/ ;fd"lxs nufgL sf]ifsf nflu ;'/lIft u/L afFsL /xg] !,@#,$))
lsQf ;fwf/0f z]o/x?sf] ;fj{hlgs lgisfzg ug]{ .
b/vf:t ;fy k|lt z]o/ c+lst d'No ?= !))÷– sf] b/n] -zt\ k|ltzt_ e'QmfgL dfu ul/Psf] .
sDkgLsf] g]6jy{ tyf k|lt z]o/ cfDbfgLdf ePsf] jf:tljs tyf k|If]lkt k|ltkmn b]xfo adf]lhd /x]sf] 5 M
Jff:tljs ckl/is[t k|If]lkt
ljj/0f @)&^÷&& @)&&÷&* @)&( cfiff9 @)&(÷)*) @)*)÷)*! @)*!÷)*@
d;fGt
k|lt z]o/ cfDbfgL ?= 0.003 1.09 10.79 11.65 20.99 27.15
k|lt z]o/ g]6jy{ ?= 100.03 101.07 111.66 119. 38 140. 18 167.21
;+lrt gfkmf gf]S;fg -?= 812.98 290,932.45 2,189,14.37 54,33,381.87 11,437,701.77 19,300,639.96
nufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f M
lwtf]kq dfu 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] ;"lrs/0f kZrft lwtf]kq ahf/df x'g] sf/f]jf/ d"No ghgfpg] x'Fbf o; ljj/0f kqsf] bkmf u * df pNn]lvt hf]lvdx? ;d]tsf] cWoog
u/]/ dfq nufgL ;DaGwL lg0f{o lng ;'emfj ul/G5 .
lgodgsf/L lgsfosf] hjfkm b]lxtf g/xg] pb\3f]if0f M
o; ljj/0f kqdf pNn]lvt lwtf]kq ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] o; ljj/0f kqnfO{ lwtf]kq ;DaGwL P]g, @)^# adf]lhd g]kfn
lwtf]kq af]8{n] :jLs[tL k|bfg u/]sf] 5 . o;/L af]8{n] ljj/0f kq :jLs[tL k|bfg u/]sf] sf/0faf6 s;}n] klg g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf]
sfof{no jf ;Da4 cGo lgodgsf/L lgsfon] ljj/0f kqdf plNnlvt s'/fsf] ;Totf jf lgisfzg stf{ jf kl/of]hgfsf] cfly{s ;Ifdtfsf] af/]df
s'g} k|sf/sf] k|T ofe"t u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g .
;+:yfks tyf ;~rfnsx? / ;+:yfks z]o/wgLx?sf Psf3/sf] ;b:on] o; k|f/lDes ;fj{hlgs lgisf;g cfj]bg lbg kfpg] 5}gg\
tyf sd{rf/Lx?nfO{ ;'/lIft ul/Psf] z]o/ afF8kmfF8 ePsf] ldltaf6 # aif{ ;Dd vl/b laqmL ug{ aGb]h ul/Psf] .
o; ;+:yfnfO{ O{qmf g]kfn lnld6]8, l8NnLahf/, sf7df8f}+n] [ICRANP-IR] BB-” /]l6Ë k|bfg u/]sf] 5 . h;n] sDkgLsf] ljQLo bfloTj axg ug]{
Ifdtfdf dWod hf]lvd (Moderate Risk of Defult Regarding The Timely Servicing of Financial Obligations) /x]sf]] [ICRANP-IR] BB- (Pronounced
as ICRA NP issuer rating Double B-) hgfpFb5 . ;f] /]l6Ë sf] j}wtf cjlw Ps aif{ /xg]5 . O{qmf g]kfn lnld6]8n] [ICRANP-IR] AAA b]l v
[ICRANP-IR] D ;Ddsf] /]l6Ë k|bfg ub{5 h;df [ICRANP-IR] AAA n] alnof] cfwf/ hgfpF5 [ICRANP-IR] D n] sdhf]/ cfwf/ hgfpF5 .
[ICRANP-IR] B, [ICRANP-IR] C / [ICRANP-IR] D n] cf};t eGbf sd cfwf/ hgfpF5 lbOg] cfwf/x?df k|of]u ul/g] (Plus) lrGxn] lbOPsf] ;d'xsf]
t'nfgfTds ;sf/fTds l:yltnfO{ hgfpF5 . ;f] ;DaGwL ljj/0f o; ljj/0f kqsf] bkmf u=@@ -0f_ df pNn]v ul/Psf] 5 . qm]l86 /]l6Ë k|bfg u/]sf]
ldlt M @)@!÷)$÷)& qm]l86 /]l6Ë axfn /xg] ldlt M @)@#÷)$÷)# ;Dd .
g]kfn lwtf]kq af]8{af6 ljj/0f kq :jLs[t ePsf] ldlt M @)&(÷)$÷!) lgisfzg v'Nnf x'g] ldlt M @)&(÷)%÷)*
g]kfn /fi6« a}sdf ljj/0f kq btf{ ePsf] ldlt M @)&(÷)$÷!# lgisfzg aGb x'g] ldlt -l56f]df_ M @)&(÷)%÷!@
sDkgL /lhi6«f/sf] sfof{nodf ljj/0f kq btf{ Psf] ldlt M @)&(÷)$÷@@ lgisfzg aGb x'g] ldlt -l9nf]df_ M @)&(÷)%÷@@
1
v=! ljj/0f kqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M
s_ æljj/0f kqÆ eGgfn] sDkgL P]g @)^# sf] bkmf @# adf]lhd / lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) adf]lhd k|sflzt
ljj/0fx? ePsf] k'l:tsf ;Demg' kb{5 .
v_ ælwtf]kq lgisfzg tyf laqmL k|aGwsÆ eGgfn] k|e' Soflk6n lnld6]8, sdnfbL, sf7df08f}+ ;Demg' kb{5 .
u_ æljQLo ;+:yfÆ eGgfn] lgisfzg stf{ sDkgL vKt8 n3'ljQ ljQLo ;+:yf lnld6]8nfO{ ;Demg' kb{5 .
3_ æ;+sng s]Gb|Æ eGgfn] ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] ljj/0f kq / b/vf:t kmf/d k|fKt ug{ ;lsg] tyf b/vf:t
kmf/d ;fy /sd a'emfpg ;lsg] u/L tf]lsPsf ;+:yfx?nfO{{ ;Demg' kb{5 .
ª_ ælgisfzg a}+sÆ eGgfn] ;fj{hlgs lgisfzgaf6 ;+sng x'gcfPsf] /sdnfO{ hDdf ug{sf] nflu tf]lsPsf] jfl0fHo a}+snfO{
;Demg' kb{5 .
r_ ælgodgsf/L 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, k|d'v sfo{sf/L clws[t tyf Joj:yfkgÆ eGgfn] vKt8 n3'ljQ ljQLo ;+:yf lnld6]8sf] ;+:yfks,
;~rfns, sfo{sf/L k|d'v tyf Joj:yfkgnfO{ ;Demg' kb{5 .
h_ æaf]8{Æ eGgfn] g]kfn lwtf]kq af]8{nfO{ ;Demg' kb{5 .
em_ æljQLo ljj/0fÆ eGgfn] ;+ul7t ;+:yfsf] jf;nft, cfo–Joo ljj/0f, gub k|jfx ljj/0f ;Demg' kb{5 / ;f] zAbn] OlSj6Ldf
ePsf] kl/jt{gsf] ljj/0f / n]vfgLlt tyf n]vf;Fu ;DalGwt l6Kk0fLx? ;d]t hgfpFb5 .
`_ 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 eGg] ;Demg' kb{5 .
6_ æn3'ljQ ljQLo ;+:yfÆ eGgfn] a}+s tyf ljQLo ;+:yf ;DjlGw P]g, @)&# sf] bkmf $( sf] pkbkmf -$_ adf]lhdsf] a}+lsË tyf
ljQLo sf/f]af/ ug{ ;+:yfkgf ePsf] ;+ul7t ;+:yf ;Demg' k5{ .
v=@= ljj/0f kq tyf b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M

l;=g+= ljj/0f kq k|fKtug]{ :yfgsf] gfd / 7]ufgf
s= k|e' Soflk6n lnld6]8, sdnfbL, sf7df8f+} . j]j;fO{6 M www.prabhucapital.com
v= vKt8 n3'ljQ ljQLo ;+:yf lnld6]8, s]lGb|o sfof{no, s}nfnL lhNnf, uf]bfj/L gu/kflnsf–!,tyf ;Dk"0f{ zfvf
sfof{no, Od]n Minfo@khaptadmfi.com.np; j]j;fO6: khaptadmfi.com.np
ljj/0f kq x]g{ kfpg] :yfgsf] gfd / 7]ufgf
s= g]kfn lwtf]kq af]8{, v'dn6f/, nlntk'/sf] j]j;fO6 M www.sebon.gov.np
l;=g+= b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M
s= g]kfn lwtf]kq af]8{af6 :jLs[tL k|fKt u/]sf ;Dk"0f{ l;–cf:jf -CASBA_ ;b:o a}+s tyf ljQLo ;+:yfx? tyf
l;l8P; P08 lSnol/Ë lnld6]8af6 lgdf{0f ul/Psf] ;km\6j]o/ æd]/f] ;]o/Æ cgnfOg k|of]u u/L l;–cf:jf k|0ffnL
dfkm{t cfj]bg lbg ;lsg]5 .
2
u=!= lwtf]kq lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M
xfdLnfO{ lgisfzg stf{ ;+ul7t ;+:yf tyf o;sf ;+:yfks÷;~rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf]
cfwf/df o; n3'ljQ ljQLo ;+:yfsf] Joj:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf]
;fy} ljj/0f kqdf 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/0f kq :jLs[ltsf nflu g]kfn lwtf]kq af]8{df lwtf]kq ;DaGwL P]g /
lgodfjnL cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq (Due Diligence Certificate) k|:t't u/]sf 5f}+ .
u= @= ;+ul7t ;+:yfsf] pb\3f]if0f M

s= ;~rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M
of] ljj/0f kq xfdLn] k'g/fjnf]sg u/L cg'df]bg u/]sf] x'gfn] o; ljj/0f kqdf pNn]v ul/Psf ljj/0f tyf hfgsf/Lsf ;fy}
lgisfzg tyf laqmL k|aGwsx?nfO{ 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/0f kq / ;f];Fu ;DalGwt cGo
ljj/0f tyf hfgsf/Lsf] z'4tf tyf ;Totfk|lt o; ljj/0f kqdf 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}+ ls tf]lsPsf zt{ tyf cfjZostfx? ;a} kfngf u/]sf 5f}+ / nufgLstf{x?nfO{ nufgL ;DaGwL ;'–
;"lrt lg0f{o lng cfjZos s'g} ljj/0f, ;"rgf tyf hfgsf/Lx? n'sfPsf 5}gf}+ .
v= ;+ul7t ;+:yfsf] hjfkmb]xLtf ;DaGwL pb\3f]if0f M
o; ljQLo ;+:yfn] k|sflzt u/]sf] ljj/0fkq, ;fj{hlgs k|:tfj, lj1fkg jf cGo s'g} ;"rgfdf pNn]v ePsf ljj/0f afx]s
ljQLo ;+:yfsf] af/]df k|sflzt cGo s'g} ;"rgf jf hfgsf/Lsf] hjfkmb]lxtf n3'ljQ ljQLo ;+:yfdf 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= lgodgsf/L lgsfosf] lgodg Joj:yfsf] kfngf ;DaGwL pb\3f]if0f M
ssk|rlnt sfg"g cg';f/ cfˆgf] pBf]u÷Joj;fo÷;]jf;Fu ;DalGwt lgodgsf/L 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/0f kq / ;f] df plNnlvt ;Demf}tf jf cGo ljj/0fx?
g]kfn lwtf]kq af]8{, g]kfn :6s PS;r]~h lnld6]8df k]z u/]sf 5f}+ . sDkgLn] cf=j= @)&&÷&* sf] ;fwf/0f;ef ldlt
@)&*÷)(÷@$ df ;DkGGf u/L sDkgL /lhi6«f/sf] sfof{noaf6 ldlt @)&(÷)$÷!% df sDkgL cBfjlws ePsf] .
3= ;+:yfks, ;~rfns tyf sfo{sf/L k|d'v ;DaGwL pb3f]if0f M
-!_ o; n3'ljQ ljQLo ;+:yfsf ;+:yfks, ;~rfns jf sfo{sf/L k|d'v shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf /x]sf 5}gg\ .
-@_ o; n3'ljQ ljQLo ;+:yfsf ;~rfns jf sfo{sf/L k|d'v sfnf] ;"rLdf /x]sf] cGo ;+ul7t ;+:yfdf ;~rfns jf sfo{sf/L k|d'v
/x]sf 5}gg\ .
-#_ ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0faf6 k"FhL ;+sng u/L a]kQf ePsf jf ;+rfngdf g/x]sf jf nufgLstf{x?sf] lxt ljk/Lt
x'g] sfo{ u/]sf] ;+ul7t ;+:yfsf] ;~rfns jf sfo{sf/L k|d'v o; ljQLo ;+:yfsf] ;~rfns jf sfo{sf/L k|d'v 5}gg\ .
-$_ 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; n3'ljQ ljQLo ;+:yfsf]] ;~rfns jf sfo{sf/L k|d'v 5}gg\ .
-%_ o; n3'ljQ ljQLo ;+:yfsf]] ;~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\ .
3
u=#= ;+ul7t ;+:yf ;DaGwL hfgsf/L M
s= ;+ul7t ;+:yfsf] k[i7e"ld M
-c_ ;+:yfsf] gfdM vKt8 n3'ljQ ljQLo ;+:yf lnld6]8 (Khaptad Laghubitta Bittiya Sanstha Limited)
-cf_ ;+:yf s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f M
o; n3'ljQ ljQLo ;+:yf sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cGtu{t :yflkt .
-O_ ;+:yfsf] /lhi68{ 7]ufgf M
o; n3'ljQ ljQLo ;+:yfsf] /lhi68{ sfof{no s}nfnL lhNnf, uf]bfj/L gu/kflnsf–!,df /x]sf] 5 .
-O{_ sf/f]jf/ ug]{ d'Vo :yfg M
@)&( c;f/ d;fGt ;Dd o; n3'ljQ ljQLo ;+:yfsf] sf/f]jf/ :yfg ;'b'/klZrd k|b]zsf ( lhNnfdf /x]sf] 5 . xfn ljQLo
;+:yfn] # lhNnfx?df & zfvf sfof{nox? :yfkgf u/L n3'ljQ sf/f]af/ ub}{ cfO/x]sf] 5 / cfjZostf cg';f/ g]kfn /fi6«
a}+ssf] :jLs[lt lnO{ o; n3'ljQ ljQLo ;+:yfn] zfvf, pkzfvf jf cGo sfof{no vf]nL sf/f]jf/ ug{ ;Sg]5 . xfn o; ljQLo
;+:yfn] ldlt @)&^.)^.)! /lhi68{ sfof{nosf] cnfjf b]xfosf :yfgx?df /x]sf] zfvf sfof{nox?af6 cfkm\gf] n3'ljQ sf/f]af/
;~rfng ub}{ cfO/x]sf] 5 .
qm= ;= Zffvf sfof{nosf] gfd 7]ufgf zfvf ;+rfng ul/Psf] ldlt
1 Zffvf sfof{no l6sfk'/ l6sfk'/ g=kf= (, l6sfk'/, s}nfnL 2077.04.01
2 zfvf sfof{no ctl/of uf]bfj/L g=kf= !, ctl/of, s}nfnL 2077.09.01
3 zfvf sfof{no cfOljcf/8L k'g{jf; g=kf= ^, cfOljcf/8L, s~rgk'/ 2078.06.01
4 zfvf sfof{no kxndfgk'/ 3f]8f3f]8L g=kf= !!, l;z}of, s}nfnL 2078.10.01
5 zfvf sfof{no 88]Nw'/f cd/u9L g=kf= &, kf]v/f, 88]Nw'/f 2078.10.01
6 zfvf sfof{no nfnaf]lem ehgL g=kf= %, nfnaf]lem, s}nfnL 2078.10.01
7 zfvf sfof{no 6]l8of a]nf}/L g=kf= &, 6]l8of, s~rgk'/ 2078.10.01
-p_ ;+ul7t ;+:yfsf] :yfkgf sfn b]lv xfn ;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf] d'Vo p2]Zox? M
ljQLo ;+:yfn] ;a{;'ne shf{ k|jfx u/L u|fdL0f If]qdf /x]sf] ljkGg ju{sf dflg;x?nfO{ :jfjnDagsf] efjgfaf6 pTk|]l/t
u/fO{ cfo Pjd\ /f]huf/ d"ns sfo{s|dx? ;+rfng dfkm{t\ cfly{s cj:yf ;'wf/ ug{ ;xof]u k'¥ofpg] clek|fon] ;'b"/klZrd
sfo{If]q /xg] u/L s}nfnL lhNnfsf] uf]bfj/L gu/kflnsf j8f g+= !, uf]bfj/Ldf d'Vo sfof{no /xg] u/L o; vKt8 n3'ljQ
ljQLo ;+:yfn] a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cGt{ut g]kfn /fi6« a}+saf6 æ3Æ au{sf] Ohfht kq k|fKt u/L
ldlt @)&& >fj0f !^ ut] cf}krfl/s ?kdf cfˆgf] sf/f]jf/ z'ef/De u/]sf] 5 .
o; n3'ljQ ljQLo ;+:yf @)&^ c;f]h ! ut] sDkgL /lhi6«f/sf] sfof{nodf klAns lnld6]8 sDkgLsf] ¿kdf btf{ ePsf]
xf] . o; n3'ljQ ljQLo ;+:yfn] ldlt @)&^ kmfNu'g !* ut] ljQLo ;+:yfsf] ¿kdf ljQLo sf/f]jf/ ug{ g]kfn /fi6« a}+s af6
O{hfht kq k|fKt u/L ldlt @)&& >fj0f !^ ut]sf lbg b]lv cf}krfl/s ?kn] sf/f]jf/ z'ef/De ePsf] o; n3'ljQ ljQLo
;+:yfsf] sfo{If]q xfn # lhNnfdf /x]sf] 5 .
ljkGg ju{ Pj+ Go"g cfo ePsf JolQmx?df :j/f]huf/Lsf] cj;/ ;[hgf ug{sf nflu n3'shf{ / n3' artsf dfWodaf6
cfly{s Pj+ ;fdflhs lqmofsnfkx?df ;xefuL u/fO{ pgLx?nfO{ cfly{s Pj+ ;fdflhs ?kn] ;zQm agfpg'sf] ;fy} lwtf]
gePs} sf/0f ljQLo ;]jfaf6 al~rt ul/a tyf ljkGg ju{sf gful/sx?nfO{ ;fd'lxs hdfgLdf ljQLo ;]jf pknAw u/fO{
Joj;flos/0fsf] ljsf; ug]{ / ;fdflhs ;r]tgf a9fpg] p2]Zo /flvPsf] 5 . ul/aL tyf lgDgju{sf hg;d'bfox?nfO{
cfo cfh{gsf lqmofsnfkx?df ;dfj]z u/fO{ pgLx?sf] cfly{s Pj+ ;fdflhs hLjg:t/df ;'wf/ ug{sf nflu o; ljQLo
;+:yfsf] lgDgfg';f/sf d'Vo p2]Zox? /x]sf 5g\ .
 ljQLo ;+:yfsf] lgIf]kstf{sf] xslxtsf] ;+/If0f / ;Da4{g ub}{ :j:y k|lt:kwf{af6 ;j{;fwf/0fnfO{ u'0f:t/Lo tyf
e/kbf]{ ljQLo dWo:ytf ;]jf pknAw u/fpg] .
 s[lif, pBf]u, ;]jf, Jofkf/ tyf cGo Joj;flos ?kn] ;DefJo b]lvPsf pTkfbglzn Jo;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 ultlzntf Nofpg ;xof]u k'¥ofpg] .
 pknAw ;Lk, >d tyf k'FhLnfO{ plrt ?kdf 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]{ / ;f] sfo{sf] nflu cfjZos ljQLo ;fwg, k|fljlws Pj+
Joj:yfklso k/fdz{ ;]jf, tflnd tyf k|ljlw pknAw u/fO{ ul/aL lgjf/0fsf nflu ;lqmo ?kdf ;+nUg eO{ ;xof]u
k'¥ofpg] .
 ljQLo ;]jfdf hf]lvd sd ub}{ ljQLo If]qsf] pbfl/s/0fdf d2t k'¥ofO{ b]zsf] cy{tGqnfO{ ;jn tyf ;'b[9 agfpg
;xof]u k'¥ofpg] .
 b]zsf] ;du| ljQLo k|0ffnL k|lt ;j{;fwf/0fsf] ljZjf;lgotf clej[l4 ug{ ;xof]u k'¥ofpg] . n3'ljQsf] dfWodaf6
u/La, e'ldxLg, ;DklQ lalxg kl/jf/ Pj+ ljkGg dlxnfx?sf] ;fdflhs tyf cfly{s cj:yfdf ;'wf/ Nofpg' g} o;
ljQLo ;+:yfsf] p2]Zo /x]sf] 5 .
4
-pm_ ;+ul7t ;++:yfsf] s'g} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, Oltxf; / To;sf d'Vo p2]Zox?sf ;fy}
To;df ePsf] nufgLsf] c+z -k|ltztdf_ M ;f] gePsf]] .
-P_ cGo ljj/0fx? M
-!_ ;+ul7t ;++:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx?
n3'ljQ ljQLo ;+:yfn] k|bfg ug]{ d'Vo ;]jfx?df u|fxs ;b:ox?af6 lgIf]k ;+sng, sh{f k|jfx, /]ld6\ofG; e'QmfgL
;]jf tyf cGo u}/–ljQLo ;]jfx? /x]sf 5g\ . ;fy} ljQLo ;+:yfn] nufgLsf] dfWodaf6 cfkm\gf] k"FhLsf] ;xL pkof]u
ub}{ cfO/x]sf] 5 .
-@_ k|of]u ePsf] jf ul/g] k|ljlw M
n3'ljQ ljQLo ;+:yf ;]jf k|bfos sDkgL ePsf]n] dfly v08 -!_ df plNnlvt ;]jfx? k|bfg ug{ ljQLo ;+:yf k|fljlws
?kn] ;Ifd /x]sf] 5 . ;fy}, Pdlkmg Kn; sf]/ a}+lsË ;km\6j]o/ k|ljlw ePsf] .
-#_ s'g} j|fG8g]d, k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ljQLo ;+:yf;Fu ;DalGwt af}l4s
;DklQ xs clwsf/ M ;f] gePsf] .
-$_ ;+ul7t ;++:yfn] cf]u6]sf] ahf/ If]q M
@)&^÷!!÷!* ut] ljQLo ;+:yfsf] ¿kdf ljQLo sf/f]jf/ ug{ g]kfn /fi6« a}+saf6 O{hfhtkq k|fKt u/L ldlt
@)&&÷)$÷!^ ut] b]lv k|b]z :t/sf] æ3Æ ju{sf] ljQLo ;+:yfsf] x}l;otn] cfˆgf] ljQLo sf/f]jf/ ;~rfngub}{ cfPsf]
5 . o; ljQLo ;+:yfn] cf=j= @)&*÷&( sf] cfiff9 dlxgf ;Dddf ljleGg # lhNnfx?df /x]sf !^ j6f
ufpF÷gu/kflnsfx?df & j6f zfvf sfof{nox? dfkm{t ! xhf/ ( ;o %( hgf ;b:onfO{ n3'ljQ sfo{qmddf cfj4
ub{} u'0f:t/Lo ;]jf k|jfx ub{} cfO{/x]sf] 5 . ldlt @)&( cfiff9 d;fGt ;Dddf ;+:yfsf] nufgLdf /x]sf] shf{ /sd
¿=@&,)#,*#,&@)÷– / lgIf]k ¿= !,$%,*),$))÷– /x]sf] 5 . ;fy} g]kfn /fi6« a}saf6 k|sfzLt @)&* c;f/
d;fGtsf] tYof+Ë cg';f/ æ3Æ au{sf ljQLo ;+:yfx?sf] ljj/0f / o; ;+:yfn] cf]u6]sf] ahf/ If]qsf] ljj/0f
lgDgcg';f/ /x]sf] 5 .
qm=;+= ljj/0f ;du| ahf/sf] cj:yf @)&* o; ;+:yfsf] cj:yf s}lkmot
cfiff9 d;fGt ;Dd @)&( cfiff9 d;fGt;Dd
! ;]jf k'u]sf] lhNNff && lhNNff # lhNnf
@ sd{rf/L ;+Vof @),*&@ hgf @( hgf
# Zffvf ;+Vof $,^@! j6f # j6f
$ s'n ;b:o ;+Vof %!,(!,#^@ hgf !(%( hgf
% s'n C0fL ;+Vof @(,(@,)^* hgf !%#^ hgf
^ s'n afFsL shf{ -?= xhf/df_ #^,%%,%$,)!%÷– @&)#*#÷&@
& s'n art /sd-?=xhf/df_ !#,)$,@%,$!# ÷– !$%*)÷$)
-%_ gofF pTkfbg tyf ;]jf ;DaGwL of]hgf M
;do ;fk]If cg';f/ ;]jf lj:tf/ u/L ;DefJo u|fxsx?sf] klxrfg u/]/ cfˆgf] Joj;fo lj:tf/ ug]{ of]hgf /x]sf] 5
;fy} o; ;+:yfsf ;]jf ;DaGwL of]hgf b]xfo adf]lhd /x]sf 5g\ M
 rfn' cfly{s jif{df cGo n3'ljQ ;+:yfsf] pkl:ylt sd ePsf / xfn sfo{qmd lj:tf/ ePsf lhNnfx?df tyf yk
cGo lhNnfsf pko'Qm :yfgx?df ;DefJotf cWoogsf cfwf/df zfvf sfof{no :yfkgf u/L sfo{qmd lj:tf/ ug]{,
s]Gb| a}7snfO{ cem k|efjsf/L agfpg k'gtf{huL tflnd tyf ljQLo ;fIf/tf sIff ;+rfng ug]{, u|fxs ;b:osf]
Ifdtf tyf cfjZostf cflbsf] kof{Kt ljZn]if0f u/]/ u'0f:t/Lo shf{ nufgL ub}{ shf{ sf/f]af/ j[l4 ug]{, art
j[l4df ljz]if hf]8 lbg] / art tyf shf{sf gofF ;]jf ljsf; ug]{ nIo lnOPsf] 5 .
 k|aGwkq tyf lgodfjnLdf /x]sf p2]Zo adf]lhd yk sfo{x? ub}{ hfg] nIo /x]sf] 5 .
-^_ pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M
n3'ljQ ljQLo ;+:yfsf] k|d'v ahf/ xfn sfod /x]sf] # lhNnfaf6 lj:tf/ u/L cGo lhNnfdf ;d]t ;]jf lj:tf/ u/L
x/]s au{sf u|fxssf] cfjZostf cg'?k g} ;]jfx? pknAw u/fpFb} n}hfg] ljQLo ;+:yfsf] nIo /x]sf] 5 / g]kfn /fi6«
a}+ssf] :jLs[lt cg'?k yk zfvf / pkzfvf lj:tf/ ub} ljleGg ju{sf u|fxsx?nfO{ ;]jfx? k|bfg u/fpFb} n}hfg o;
;+:yfsf] ;f]r /x]sf] 5 .
-&_ pTkfbg÷ ;~rfng Ifdtf / ;f]sf] pkef]u l:ylt M
a}+s tyf ljQLo ;+:yfdf nfdf] cg'ej xfl;n ug{' ePsf] ;~rfns÷Joj:yfkg bIftfsf] cfwf/df o; n3'ljQ ljQLo
;+:yfn] :yfkgfsf] 5f]6f] ;dodf g} ljQLo ahf/sf] /fd|f] lx:;f cf]u6\g / u|fxsx?nfO{ /fd|f] ;]jf k|bfg ug{ ;kmn /x]sf]
b]lvG5 .
-*_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M ;f] gePsf] .
-(_ u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf M
a}+s tyf ljQLo ;+:yf If]qdf nfdf] cg'ej xfl;n ug{' ePsf ;~rfns÷Joj:yfkg ;d"x u|fxsx?sf] u'0f:t/Lo ;]jf,
;'ljwf tyf ;Gt'li6sf] nflu tTk/ /x]sf 5g\ . :t/Lo n3'ljQ ;]jfsf nflu u|fxs ;]jf ljefu :yfkgf u/L ;+rfngsf
;fy} sfo{qmd tyf u|fxs ;+/If0f ljefu :yfkgf u/L u|fxsx?sf] u'gf;f] ;d]t ;'gL ;dfwfg ug{] ul/Psf] 5 .
-!)_ cg';Gwfg tyf ljsf; M
g]kfnsf] a}+lsË tyf ljQLo If]qdf k|lt:kwf{Tds l:ylt /x]sf] cfhsf] k[i7e"lddf ljQLo ;+:yfn] cg';Gwfg, sfo{qmd
la:tf/ tyf ljsf; Joa:yfkgnfO{ pRr k|fyldstf lbO{ ;f] sfo{sf nflu eljiodf 5'§} ljefu dfkm{t sfo{ ug]{ nIo
5
lnOPsf] 5 . o;n] gofF ;]jfx?sf] ljsf; dfq geO{ xfn k|bfg ul/Psf ;]jfx?df ;do ;fk]If ?kdf cfjZos
kl/dfh{gx? ug]{ gofF ;]jfx?sf] pko'Qmtfsf ;DaGwdf Joj:yfkgnfO{ ;'emfj pknAw u/fpg]5 . ;fy} ljQLo ;+:yfn]
u|fxs ju{df gofF lgIf]ksf of]hgfx?, u|fxsd'vL ;/n shf{ ;'ljwf / ljZj;gLo gof+ gof+ k|ljlwsf] k|of]u u/L cfˆgf
u|fxsx?nfO{ k|lt:kwf{Tds Pj+ u'0f:t/Lo ;]jf k|bfg ug]{ ;f]r /fv]sf] 5 .
-!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;~rfngdf c;/ kg]{ u/L ePsf] afwf, Jojwfg M
ljQLo ;+:yf :yfkgf ;+u} COVID-19 sf] k|sf]ksf sf/0f C0f nufgL, shf{ c;'nL / Joj;fo lj:tf/df ;f]r
cg'?k ;+rfng ug{ sl7gfO{ ePsf] .
-!@_ dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP, ;f] ;DaGwL ljj/0f M ;f] gePsf] .
-!#_ ahf/, k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M
g]kfn ;/sf/, pBf]u jfl0fHo tyf cfk"lt{ dGqfno, sDkgL /lhi6«f/sf] sfof{nodf sDkgL P]g, @)^# adf]lhd ldlt
@)&^ c;f]h ! df klAns lnld6]8 sDkgLsf] ?kdf btf{ eO{ btf{ gDj/ @@$*$% /x]sf] vKt8 n3'ljQ ljQLo ;+:yf
lnld6]8 ldlt @)&& ;fn cfiff9 @) ut] a;]sf] ljif]z ;fwf/0f ;efaf6 lg0f{o cg';f/ # ;b:o dh{/ ;ldlt u7g
eO{ ;f] cg';f/ ljho n3'ljQ ljQLo ;+:yf ln=df k|fKtL x'gsf nflu ;+o"Qm k|fKtL ;ldlt u7g eO{ ldlt @)&& ;fn
cflZjg !( ut]df k|f/lDes ;Demf}tf tof/ u/L g]kfn /fi6« a}sdf k]z ul/Psf]df g]kfn /fi6« a}+saf6 @)&& kf}if @)
ut] k|fKtLsf nflu ;}4flGts ;xdlt k|fKt ePsf]df ;o"Qm k|fKtL ;ldltn] tof/ u/]sf] clGtd ;Demf}tf kq o; ljQLo
;+:yfsf] ldlt @)&& kmfNu'g !% ut]sf] ;fwf/0f ;efaf6 :jLs[t e} b'a} ;+:yfn] clGtd ;}4flGts ;xdltsf nflu
g]kfn /fi6« a}sdf cg'/f]w u/]sf]df g]kfn /fi6« a}+saf6 ldlt @)&* cfiff9 !# ut] l8l8P l/kf]6{ gldn]sf] sf/0f @
dlxgf leq k'gM csf]{ d'NofÍg stf{af6 l8l8P u/fO{ k]z ug'{ xf]nf cGoyf k|bfg ul/Psf] ;}4flGts ;xdlt :jtM
vf/]h e} hfg] Joxf]/fsf] kq k|fKt ePsf]df pQm ;dofjlw leq csf]{ l8l8P l/kf]6{ g]kfn /fi6« a}sdf k]z x'g
g;s]sf]n] g]kfn /fi6« a}+saf6 ldlt @)&* efb| @@ ut] ;}4flGts ;xdtL /2 ul/Psf] kq k|fKt eP kZrft sd{rf/L
egf{ tyf zfvf lj:tf/ ;DalGw of]hgfto u/L o; ljQLo ;+:yfn] cfkm\gf] l:yltnfO{ dha't agfpFb} nu]sf] 5 .
:yfkgfsf] klxnf] jif{ b]lv g} d'gfkmfdf ;~rfngdf /x]sf] o; ljQLo ;+:yfsf] ;dfg pBf]ux? aLr k|ltikwf{ ePtf
klg cfˆgf] 5'§} klxrfg agfpg ;kmn eO{ ahf/df cfˆgf] :yfg cf]u6\g ;kmn ePsf]5 . ;fy} o; ;+:yfn] /0fgLlts
of]hgf tyf sfo{ljlw tof/ u/L gofF gofF ;]jf dfkm{t nlIft ju{df cfkm\gf] ;]jf ;'ljwfsf] kx'Fr k'¥ofO{ cu|0fL e"ldsf
v]Ng ;kmn ePsf] 5 .
-!$_ k|d'v u|fxsx?sf] ljj/0f -h:t}–;++:yfsf] s"n jflif{s sf/f]jf/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug{] jf Joj;fosf]
nflu ;++: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}– ;+:yfsf] s"n sf/f]af/df !)Ü jf ;f] eGbf a9Ln] 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
-c_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M ljQLo ;+:yfsf]
cfiff9 d;fGt @)&*÷&( sf] ;DklQsf] cj:yf tn pNn]v ul/P adf]lhd /x]sf] 5 / ;Dk"0f{ ;DklQ rfn' cj:Yffdf
/x]sf] 5 .
ljj/0f kl/jfxg kmlg{r/ sDKo"6/ sfof{no cGo cfiff9 d;fGt ut jif{
lkmS;r/ lk|G6/ ;fdfg @)&*÷&( cf=j=
@)&&÷&*
!=k/n df]n
-s_ ut ji{fsf] df]Hbft 302.90 301.31 264.56 259.50 186.45 1,314.72 854.57
-v_ o; jif{sf] yk 0.00 671.84 1,082.98 591.27 142.38 2,488.47 460.15
-u_ o; jif{ k'g{d'Nofs+g÷ k'g{n]vg
-3_ o; jif{sf] ljqmL
-ª_ o; jif{sf] ckn]vg
s'n 302.90 973.15 1,347.54 850.77 328.83 3,803.19 1,314.72
@= x|f; s§L
-s_ utjif{;Ddsf] 92.89 103.78 80.68 57.58 33.66 368.59 130.39
-v_ o; jif{sf] 58.80 143.97 256.46 193.08 57.51 709.81 238.20
-u_ x|f; s§L k'g{d'Nofs+g k'g{n]vg .
-3_ x|f; s§L /sd ;dfof]hg÷ lkmtf{
s'nx|f; s§L 151.69 247.75 337.14 250.66 91.17 1,078.41 368.59
#= a"sEofn' (WDV*) - !–@_ 151.21 725.40 1,010.40 600.10 237.66 2,724.78 946.13
$= hUuf
%= k"+hLutlgdf{0f -k"hLs/0f ul/g'kg]{_
hDdf 151.21 725.40 1,010.40 600.10 237.66 2,724.78 946.13
dfly pNn]lvt ;DklQx? rfn' cj:yfdf /x]sf tyf pQm ;DklQx? ljQLo ;+:yfsf] d'Vo sfof{no tyf zfvf
sfof{nox?df /x]sf 5g\ .
-cf_ a'Fbf -c_ df plNnlvt ;DklQ ;+ul7t ;+:yfsf] cfˆg} ;DklQ xf] of lnhdf lnPsf], lnhdf lnPsf] eP lnhsf] cjlw -
ldlt ;d]t pNn]v ug'{kg]{_M pQma'Fbfdf plNnlvt ;DklQx? ljQLo ;+:yfsf] cfˆg} :jfldTjdf /x]sf] 5 .
6
-O_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h eP ;f] ;DaGwL ljj/0fM
;f] gePsf] .
-O{_ ljj/0f kq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfaL d"No / ahf/ d"NoaLr km/s ePdf ;f] sf]
ljj/0f M n3'ljQ ljQLo ;+:yfsf] ;Dk"0f{ ;DklQ jf:tljs vr{sf] lx;fjdf sfod ul/Psf] 5 .
-p_ ;DklQsf] d"Nofª\sg ul/Psf] tl/sf ;DaGwL ljj/0f M
k/ndf]ndf lgodfg';f/ x|f; s§L u/L n]vfdfg cg';f/ afFsL /x]sf] jf:tljs ;DklQnfO{ v'b ;DklQsf] ?kdf
jf;nftdf k|:t't ul/Psf] 5 / ;f]sf] k'g/d"Nof+sg ul/Psf] 5}g .
u= efjL of]hgf tyf /0fgLlt M
-c_ Joj;fo÷;]jfsf] a[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doj4 /0fgLltM n3'ljQ
ljQLo ;+:yfn] cfˆgf] Joj;fo÷;]jfsf] a[l4sf nflu rfNg] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng]
;doa4 /0fgLlt lgDgfg';f/ 5g\ .
cf=j=@)&&÷&* nfO{ cfwf/ jif{ dfgL kf+rf} jif{ cyf{t cfly{s jif{ @)*! sf] cGt;Dddf ;'b"/klZdf~rn k|b]zsf (
lhNnfdf zfvf sfof{nox? dfkm{t ;+:yfsf nlIft ;d"xnfO{ ljQLo ;+:yfsf] ;b:odf cfj4 @)^&& ;b:onfO{ shf{
;'ljwf k|jfx u/L pgLx?sf] cfly{s Pj+ ;fdflhs hLjg:t/df ;'wf/ Nofpg] nIo /flvPsf] 5 .
Aoj;fo a[l4 of]hgf xfl;n ug]{ cNksflng /0fgLlt M
!= xfn ljZjAofkL dxfdf/Lsf] ?kdf km}ln/x]sf] sf]/f]gf efO/; -Covid-19_ dxfdf/Lsf] bf];|f] nx/sf] ;+qmd0faf6 ar]/
sfo{ ;Dkfbg ug{ u/fpg sd{rf/L / ;b:o :t/df ljleGg ;fjwfgLsf pkfox? ;lxtsf] :jf:Yo tyf ;'/Iff dfkb08 -
Health and Safety Protocol_ cjnDag u/]/ ;+:yfsf sfo{qmdx? ;'rf? ub}{ cfO{/x]sf] / ;f]nfO{ yk k|efjsf/L
ub}{ nlug] Joj:yf ldnfO{g]5 .
@= xfnsf] cj:yf x]bf{ cf=j= @)&*÷&( sf] w]/} h;f] cjlwdf sf]/f]gf efO/;sf] k|sf]k b]lvg ;Sg] ;+efjgf ePsfn]
;+:yfn] n3'ljQ ;]jf k|jfx ubf{ k|of]udf cfO/x]sf] High touch model nfO{ l8lh6nfO{h]zg / Innovative
Finance h:tf k|ljlwx? k|of]u u/L s]xL xb;Dd ePklg Low touch model df 9fn]/ ;~rfng ul/g]5 .
To;}u/L n3'ljQ sfo{qmd ;~rfngdf ;"rgf k|ljlwsf] x'g;Sg] pRrtd k|of]usf] klxrfg u/L l8lh6n sf/f]af/nfO{
c+lusf/ ug]{ /0fgLlt clVtof/ ul/g]5 .
#= lgis[o cj:yfdf /x]sf tyf ;+:yfsf] lgodk"j{s ;~rfng gx'g] s]Gb|x?nfO{ ;lqmo u/fO{ lgod k"j{s / cg'zf;g k"j{s
;~rfng ug{sf nflu sd{rf/Lx?nfO{ cfjZos tflnd÷uf]i7L k|bfg u/L pTk]|l/t ul/g] 5 . ;fy}, s]Gb| ;~rfng x'g]
lbg s]xL ;do sd{rf/L dfkm{t ;b:ox?nfO{ :jf:Yo, kf]if0f, ljQLo ;fIf/tf, aLdf h:tf Jojxfl/s tyf ;fdflhs
ljifoj:t'x?df lzIff k|bfg ug]{ Joj:yf ldnfO{g] 5 .
$= lgis[o s]Gb|x? ;~rfngsf] nflu s]Gb|x?df s]Gb| k|d'v÷pk k|d'v÷;b:ox?sf] uf]i7L tyf k'gtf{huL tflnd ;~rfng
ul/g] 5 .
%= cfly{s jif{ @)&*÷&( df ;b:o tyf C0fL a[l4 u/L nIo xfl;n ug{] ;DalGwt sfof{no tyf sd{rf/Lx?nfO{
k|fyldstfsf ;fy pTk|]l/t, k|lzlIft tyf kl/rfng ug{sf nflu tflnd tyf uf]i7Lx? ;~rfng ul/g] 5 . ;b:otf
Tofu ug]{ Drop out k|j[ltnfO{ Go"lgs/0f ug{ ;b:o 5gf}6 ug]{ r/0f b]lv g} sd{rf/Lx?nfO{ ;r]ttf ckgfpg
k|lzIf0f lbOg]5 . ;fy} jrtsf ;]jfx? k|efjsf/L ?kdf ;~rfng u/L ;b:ox?nfO{ ;+:yfsf] sfo{qmd k|lt yk
cfslif{t u/fO{ ;b:o k|ltwf/0f b/ -Clients Retention Rate)a9fOg] 5 .
^= ljleGg tflnd tyf uf]li7 cfof]hgf ubf{ Virtual meetings, Webinarh:tf k|ljlwsf] k|of]u u/L ;~rfng ug]{
sfdnfO{ a9fjf lbOg]5 .
&= gofF yk x'g] C0fLx?, shf{ lng kfnf] klv{/x]sf ;b:ox? tyf jrt dfq u/L shf{ glnPsf ;b:ox? ;d]tnfO{ shf{
lng pTk|]l/t u/L nufgL a[l4 ul/g] 5 .
*= lgoldt shf{ e'QmfgL ug]{ c;n C0fLx?sf] kl/of]hgfx?df shf{ nufgL ;Ldf a[l4 ul/g] 5 .
(= lkmN8 :t/sf sfof{nox?df sd{rf/Lut nIo afF8kmfF8 ul/g] 5 . sd{rf/Lx?nfO{ ;dfg sfo{jf]emsf] dfGotfnfO{
Jojxfl/s ?kdf ptfg{ sd sfo{af]em ePsf sd{rf/Lx?nfO{ yk nIo tf]lsg] Joj:yf ldnfOg] 5 .
!)=sfo{qmd lj:Tff/ ug{ afFsL /x]sf ufpmkflnsf÷gu/kflnsf÷pkdxf gu/kflnsf÷dxf gu/kflnsfx?df :yfgLo :t/df
;d'bfox?sf] e]nf u/L ;+:yf ;DaGwL hfgsf/L d"ns sfo{qmd ;~rfng ul/g] 5 .
!!= nIo xfl;n ug]{ sd{rf/Lx?nfO{ yk pT;flxt / k|f]T;flxt ug{sf] nflu ;+:yfaf6 ljleGg tflnd tyf e|d0fx?df
;xefuL u/fpg] Pj+ nIo xfl;n ug]{ sfof{n ox?nfO{ Nofk6k, gub u0fgf d]zLg h:tf pks/0fx? pknAw u/fO{g] 5 .
!@= u|fxs ;b:ox?nfO{ ;+:yfdf cfj4 tyf yk pTk|]l/t u/fO/xgsf] nflu c;n C0fLx?nfO{ cjnf]sg e|d0f, 5nkmn
cGt/lqmof, uf]i7L ;]ldgf/ cflb sfo{qmdx?df ;xefuL u/fOg] 5 .
!#= n3'ljQ If]qdf xfn b]lvPsf] shf{df bf]xf]/f]kgf÷jx'kgfsf] sf/0fn] c:j:y b]lvPsf] o; If]qsf] ;'wf/sf] nflu ……:jR5
n3'ljQ xfd|f] cleofgÚÚ nfO{ ;fy{s ?k k|bfg ug{ o; ;+:yfdf dfq cfj4 eO{ shf{ pkef]u ug]{ C0fL ;b:ox?nfO{
k|f]T;fxg :j?k Aofhb/df ;x'lnot k|bfg ug]{ /0fgLlt cVtLof/ ul/g]5 .
bL3{sfnLg /0fgLltx? M
– u|fxssf] cfjZostf cg'?k g} ;]jfx? pknAw u/fpFb} n}hfg] .
– ;+:yfut ;'zf;g, cfGtl/s lgoGq0f tyf k|zf;lso ;'b[l9s/0fdf ljz]if hf]8 lbg] .
– C0f /sdsf] pkof]u pTkfbgzLn sfo{df nufpgsf nflu C0fLx?sf] pBdlzntf ljsf;df hf]8 lbg]
– ;+:yfsf] k"h F Lsf]if g]kfn /fi6« a}+s nufot lgodgsf/Lsf] lgb]{zg kfngf ug]{÷u/fpg] .
7
– k/Dk/fut sf/f]jf/ k|0ffnL k|ljlwo'Qm x'g] u/L ?kfGt/0f ug]{ sfo{df gLltut Joj:yf ug]{ .
– cfGt/Ls >f]t ;fwgsf] clwstd kl/rfng u/L jfXo >f]t kl/rfng Go"g ug]{ .
– ;+:yfut ;'zf;g sfod ug]{ .
– nufgLstf{nfO{ pRrQd k|ltkmn lbg] u/L cfjZos sfo{x? ug{] .
– ;+:yfn] cfkm\gf ;b:o tyf sd{rf/Lx?nfO{ plrt ;]jf ;'ljwfx? k|bfg u/L ;+/lIft, ;dofg's"n, of]hgfa4 ?kdf
;+:yfsf sf/f]jf/x?sf] :tl/otf a[l4df hf]8 lbg] .
– ;du| shf{sf] u'0f:t/nfO{ pRr:t/df /fVg] / shf{ tyf ;fk6df k|fKt x'g] k|ltkmnnfO{ pRr /fVg shf{ nufgLdf
ljljlws/0f ug]{ .
– k|aGwkqsf] bkmf $ df pNn]v eP adf]lhdsf p2]Zox? xfl;n ug{sf nflu n3'ljQ sf/f]af/x? la:tf/ ub}{ n}hfg]5 .
-cf_ k|ltikwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf] Joj;fosf] eljio M
xfn b]zsf] ljQLo jftfj/0f cToGt k|lt:k|wf{Tds 5 / ;f]xL sf/0fn] ubf{ o; ljQLo ;+:yfn] cfkm\gf] pNn]Vo If]q cf]u6\g
ljleGg /0fgLltsf ;fy cl3 a9]sf] 5 . ljutsf] 5f]6f] cjlwdf g} w]/} n3'ljQ ;]jf k|bfos ;+:yfx? :yfkgf eO{ ;+rfngdf
cfO/x]sf 5g\ . of] kl/l:yltn] ubf{ Psftkm{ b]zsf] a}+lsË jftfj/0f a9L k|lt:kwf{Tds x'g] b]lvG5 eg] csf]{ tkm{ ljutsf
s]lx ;do otf b]vf k/]sf /fli6«o tyf cGt/fli6«o kl/l:yltn] b]zsf] cfly{s l:yltsf] af/]df s]lx lrlGtt x'g'kg]{ l:ylt
;d]t /x]sf] 5 . of] cj:yfn] b]zsf] a}+lsË Joj;fonfO{ s]xL xb ;Dd k|efj kfg]{ b]lvPtf klg xfn;Ddsf] o; ljQLo
;+:yfsf] kl/l:yltnfO{ d"Nof+sg ubf{ ljQLo ;+:yfsf] cj:yf ;Gtf]if hgs b]lvG5 . t;y{ b]zsf] ljQLo Joj;fo larsf]
k|lt:kwf{, ljBdfg cfly{s l:ylt / xfn ;Ddsf lbgx?df ljQLo If]qn] pT;fxhgs ;kmntf kfO/x]sf] cfwf/df o; ljQLo
;+:yfn] u|fxs d}qL ;]jf tyf ;'ljwfx? k|bfg u/]/ pknAw ;|f]t / ;fwgsf] pko'Qm kl/rfng u/L pT;fxhgs pknAwL
xfl;n u/]sf] 5 . ;fy} jt{dfg cfly{s, /fhg}lts / a}+lsË k|lt:kwf{ aLr ;kmntfsf ;fy cufl8 a9\g ljQLo ;+:yfn]
cfkm\gf ;]jf tyf sfo{qmddf leGgtf, zfvf lj:tf/df a}+s gePsf cw{ ;/sf/L / u|fdL0f If]qdf hf]8, cfw'lgs tyf
k|ljlwo'Qm a}+lsË ;]jf h:tf /0fgLlt cjnDjg u/]/ cufl8 al9/x]sf 5 . o; ljQLo ;+:yfsf ;~rfns ;ldlt nufot
pRr Joj:yfkg ;ldlt tyf kbflwsf/Lx?df nfdf] ;dosf] a}+lsË tyf n3'ljQsf] cg'ej /x]sf]n] cGo k|ltikwL{ eGbf k[ys
lsl;dn] ;xh tl/sfn] ;~rfng ug]{ ;Sg] Ifdtf /x]sf] 5 . To; sf/0f ljBdfg pknAwLx? Pj+ k|:t't efjL of]hgfx?sf
cfwf/df o; ljQLo ;+:yfsf] eljio ;'b[9 x'g] b]lvG5 .
o; laQLo ;+:yfsf] ldlt @)&( cfiff9 d;fGt ;Dd lhNnf tyf zfvf, s"n lgIf]k b]xfo adf]lhd /x]sf] 5 .
qm=;+= ljj/0f cfly{s jif{ @)&*÷&( cfiff9 d;fGt
!= lhNnf #
@= s]Gb|Lo sfof{no !
#= k|b]z sfof{no gePsf]
$= cg'udg sfof{no gePsf]
%= Zffvf &
^= ;+sng s]Gb| gePsf]
&= nufgLdf /xL/x]sf] shf{ ?= @&,)#,*#,&@)÷–
*= s'n lgIf]k ?= !,$%,*),$))÷–
3= ;~rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yf

n3'ljQ ljQLo ;+:yfsf] lgodfjnLsf] lgod @& -@_ df ePsf] Joj:yf cg';f/ & -;ft_ hgf ;~rfns /x]sf] Ps
;~rfns ;ldlt b]xfo adf]lhd x'g]5 .++
;+:yfks z]o/wgLx?sf] ;d"xaf6 dgf]lgt jf lgjf{lrt $ -rf/_ hgf
;j{;fwf/0f z]o/wgLx?sf] k|ltlglwTj u/L lgjf{lrt @ -b'O{ hgf_
:jtGq ;~rfns ! -Ps_ hgf
;~rfnsx?sf] sfo{sfn al9df$ -rf/_ jif{sf] x'g]5 .
o; n3'ljQ ljQLo ;+:yfsf] lgodfjnLsf] lgod @* df Joj:yf eP cg';f/ n3'ljQ ljQLo ;+:yfsf] ;~rfnssf] kbdf
lgo'Qm x'gsf] nflu s'g} klg z]o/wgLn] cfˆgf] gfddf sDtLdf !)) lsQf z]o/ lnPsf] x'g' kg]{5 . t/ :jtGq ;~rfns /
;+ul7t ;+:yfsf] k|ltlglwTj ug]{ ;~rfnssf] xsdf of] Joj:yf nfu' x'g] 5}g .
u=$= sk"hL ;+/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
clws[t k"FhL M o; n3'ljQ ljQLo ;+:yfsf] clws[t k"FhL ?=!),)),)),)))÷– -bz s/f]8_ /x]sf]] 5 . pQm k"FhLnfO{
?=!))÷– sf b/n] !),)),))) -b; nfv_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
hf/L k"FhL M o; n3'ljQ ljQLo ;+:yfsf] tTsfn hf/L k"FhL ? $,)),)),)))÷– -rf/ s/f]8_ /x]sf] 5 . pQm k"FhLnfO{
?=!)).— sf b/n] $,)),))) -rf/ nfv_ yfg z]o/df ljefhg ul/Psf] 5 .
r'Qmf k"FhL M o; n3'ljQ ljQLo ;+:yfsf] ;+:yfksx?af6 tTsfn r'Qmf k"FhL ? @,^*,)),)))÷– -b'O{ s/f]8 c7;¶L nfv
dfq_ /x]sf]] 5 h;nfO{ ?=!))÷— sf b/n] @,^*,))) -b'O{ nfv c7;¶L xhf/_ yfg z]o/df ljefhg ul/Psf] 5 .
o; ljj/0f kq dfkm{t ;j{;fwf/0fnfO{ ?=!,#@,)),)))÷– -Ps s/f]8 aQL; nfv_ /sd a/fa/sf] z]o/sf] lgisfzg kZrft\
n3'ljQ ljQLo ;+:yfsf] r'Qmfk"FhL ?=$,)),)),)))÷– -rf/ s/f]8 _ x'g]5 .
8
clws[t, hf/L tyf r'Qmf k"h
F Ldf eO{ cfPsf]÷kl/jt{g ePsf] eP tT;DaGwL ljj/0f M
ljj/0f @)&^÷&& @)&&÷&*
clws[t k"FhL -?=_ 10,00,00,000 10,00,00,000
hf/L k"FhL-?=_ 4,00,00,000 4,00,00,000
r'Qmfk"FhL-?=_ 2,68,00,000 2,68,00,000
v_ k|f/lDes ;fj{hlgs lgisfzg -Olglzon klAns ckml/Ë_ ug{' k'j{ ;+:yfsf] r'Qmf kF"hLsf] ;+/rgf -;d"xs[t ul/Psf] cj:yfdf
;f]xL cg'?k_ M k|f/lDes ;fj{hlgs lgisfzg ug{' k'j{;+:yfsf] r'Qmf k"FhLsf] ;+/rgf b]xfo adf]lhd /x]sf] 5 M
;d"x Zf]o/wgL z]o/ lsQf k"FhL ;+/rgf r'Qmf /sd -?=_ e'QmfgL k|ltzt
-s_ ;+:yfks z]o/wgLx? @,^*,))) ^& @,^*,)),))) Zft k|ltzt
-v_ ;j{;fwf/0f z]o/wgLx?
-sd{rf/Lx? ;d]t_ – – – –
hDdf @,^*,))) ^& @,^*,)),)))
-u_ lgisfzg kl5sf] r'Qmf k"h

F L -;d"xs[t[ ul/Psf] cj:yfdf ;f]xL cg'?k_ M
;fwf/0f z]o/ lgisfzg u/L afF8kmfF8 u/] kZrft\ x'g] ljQLo ;+:yfsf] r'Qmf k"hF Lsf] ;+/rgf b]xfo adf]lhd /x]sf] 5 M
;d"x z]o/wgLx? ;fwf/0f z] o / k"
h F L ;+ /rgf r'Qmf /sd -?=_ e'QmfgL k|ltzt
;+Vof -Ü_
s ;+:yfks z]o/wgLx? @,^*,))) ^& Ü @,^*,)),))) Zftk|ltzt
;j{;fwf/0f z]o/wgLx? lgisfzg kZrft ztk|ltzt
v -sd{rf/L;lxt_ !,#@,))) ## Ü !,#@,)),))) /sd e'QmfgL x'g]
hDdf $,)),))) !)) Ü $,)),)),)))
-3_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft\_ M

lgisflzt z]o/ lk|ldoddf geO{ c+lst d"Nodf hf/L ul/Psf] x'Fbf z]o/ lk|ldod vftfsf] cfjZostf g/x]sf] .
u= %= ;+:yfks÷;~rfns ;DaGwL hfgsf/L M
s= ;+:yfks÷;~rfnssf] k[i7e"ld M
-!_ 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 Jofkf/÷Joj;fodf cg''ej M
cfwf/e"t z]o/wgLx?sf] ljj/0f M
z]o/ z}lIfs cGo If]qsf] cg'ej
qm=;+= gfd÷7]ufgf Kfb pd]/ /fli6«otf k|:tfljt If]qsf] cg'ej
:jfldTj of]Uotf
;'dg k||;fb >]i7, xf/e]i 6 6'/ P08
1 cWoIf 55 g]kfnL 15,000 Pd=sd gePsf]
wgl;+xk'/ $, s}nfnL 6«feN;sf lgb]{zs
÷PdlkP
;'n]vf >]i7, wgl;+xk'/
2 ;+:yfks 46 g]kfnL 25,000 gePsf] Joj;fodf cfj4
$, s}nfnL
cfO P
ldlt @)%).)@.#!
;'/]z axfb'/ ad, b]lv xfn ;Dd a}s
3 d'g'jf uf=la=;= ;+:yfks 54 g]kfnL 5,000 tyf ljQLo ;+:yfdf n]vfkl/If0f
!,s}nfnL ljleGg txdf
Pd =sd sfof{g'ej
d+un s[i0f >]i7, la la ;xsf/L If]qdf
4 ;+:yfks 50 g]kfnL 15,000 P;, la gePsf]
Rof;n (, nlntk'/ cfj4
P
efu{j lasf; a}s ln,
5 ;+:yfks g]kfnL 15,000 ljQLo ;+:yf gePsf]
g]kfnuGh
:j:yflg sfo:y, ;xsf/L ;+:yfdf
6 ;+:yfks 41 g]kfnL 4,000 la la gePsf]
ylxl6 !& sf7df08f} cfj4
P;
9
s0f{ ;fu/ /l~ht,
7 lrs+d"un @), ;+:yfks 44 g]kfnL 3,000 gePsf] ;xsf/L ;+:yfdf
la la cfj4
sf7df08f+} P;
ljgf]b dx{hg,
8 ledz]g:yfg @), ;+:yfks 42 g]kfnL 3,000 la la gePsf] Joj;fodf cfj4
sf7df08f+} P;
a;GtL hf]zL e§, ldlt @)^& b]lv a}s
9 dx]Gb|gu/ !^ ;+:yfks 39 g]kfnL 5,000 tyf ljlQo ;+:yfsf] gePsf]
s~rgk'/ la P cg'ej
ldlt @)%) b]lv
;gt s'df/ dNn,
10 ;+:yfks 60 g]kfnL 3,000 gePsf] ljdf sDkgLsf]
g]kfnu+j !^, afFs] cg'ej
la P
ldlt @)%* ;fn b]lv
xl/ k|;fb cfrfo{,
11 ;+:yfks 48 g]kfnL 5,000 a}s tyf ljlQo gePsf]
lzjfno #, ka{t
Pd la P ;+:yfdf
k'j{ ;+rfns /f/f
ljsf; a}s -
@)^*.!@.@% b]lv
12
/0fb]a s[i0f >]i7, ;+rfns 47 g]kfnL 1,000
@)&!.)*.@* ;Dd_ gePsf]
Rof;n (, nlntk'/ k|f]u|]lze kmfOgfG;
lnld6]8 -
@)&!.)(.!# b]lv
cfO P @)&%.)(.!);Dd_
lza s'df/ >]i 7,

13 ;+:yfks 56 g]kfnL 3,000 la P; gePsf] Jofj;fodf cfj4
lqe'jggu/ !),bfª
l;
d+undfg dx{hg,
ljut !) jif{ b]lv
14 sf7df08f} @&, ;+:yfks 55 g]kfnL 3,000 gePsf]
Joj;fodf ;+nUg
sf7df08f} ;fwf/0f
lbks lu/L, ch]{ (, Pd la a}b]lzs /f]huf/
15 ;+:yfks 35 g]kfnL 3,000 gePsf]
u'NdL P; sDkgLdf
16
gf/fo0f sfhL >]i7, ;+:yfks 47 g]kfnL 3,000 gePsf] Joj;fodf ;+nUg
hLjgk'/ ^, wflbË
la P
e/t axfb'/ rGb, g]kfn jfo';]jf
af;'lnË &, a}t8L lguddf cfj4
la O{
8an axfb'/ zfx, Joj;foL / k'j{
18 /fdlzv/ emfnf @, ;+rfns 48 g]kfnL 5,000 gePsf] ;+rfns dxfnIdL
s}nfnL Pd P ljsf; a}s
lxdfn zfx, bfª ^, la P; Joj;foLs
bfª l; sDkgLdf ;+nUg
;'/yeQm v/]n, kmnf6] Pd la Joj;foLs
&, sfe|] P; sDkgLdf ;+nUg
/fh'dfg l;+x, ugaxfn Joj;foLs
@@, sf7df08f} sDkgLdf cfj4
Pd sd
kbd k|;fb aGhf8], Joj;foLs

g]kfnuGh (, af+s] sDkgLdf cfj4
Pd=P
10
@)%! b]lv a}s tyf
ljQLo ;+:yfdf
w'|a /fh ltjf/L, ljleGg txdf sfo{
n]vgfy !), sf:sL u/L dflnsf ljsf;
a}sdf k|d'v sfo{sf/L
Pd=sd clws[tdf sfo{ u/]sf]
@)%) b]lv a}s tyf

pdf k|;fb pkfWofo,
24 ;+:yfks 51 g]kfnL 6,000 ljQLo ;+:yfdf gePsf]
ltldN;g !, c5fd sfo{/t
Pd=sd
@)^% b]lv a}s tyf
d]v /fh km'nf/f,
25 ;+:yfks 33 g]kfnL 2750 ljQLo ;+:yfdf gePsf]
rf}dfnf *, s}nfnL sfo{/t
la=sd
lzIf0f, @) jif{
rGb| axfb'/ rGb,
26 ;+rfns 52 g]kfnL 2,000 gePsf] b]lv lzIf0f
af;'lnË &, a}t8L
Pd P ;+:yfdf sfo{/t
@)^@ b]lv a}s tyf
/aLg s'df/ g]kfn,
gfd;flnª $, Onfd
Pd la P sfo{/t
@)%$ b]lv a}s tyf
dgf]h Gof}kfg],
/]zdsf]6L ^, la/u+h
Pd la P sfo{/t
@)^& b]lv a}s tyf
k'hf n'O{6]n, sfndf6L
!$, sf7df08f} sfo{/t
Pd la P
@)^# b]lv @)^&
e/t s'df/ >]i7,
30 ;+:yfks 70 g]kfnL 21,000 ;Dd cWoIf n8{a'4 gePsf]
sflnsf ^, afun'Ë
Pd la P kmfOgfG;
cfO{ Soflk6n k|f=ln=,
31 ltgwf/f kf7zfnf !, ;+:yfks g]kfnL 20,000 gePsf] Joj;foL sDkgL
sf7df08f}
/la s]=;L, @)^& b]lv @)&! ldlt @)$&.)^.@^

32 sf=d=g=kf=%, ;+:yfks 51 g]kfnL 20,000
;Dd ;]Gr'/L a}sdf b]lv ;'o{ g]kfn
;+rfns e} $ jif{ lnld6]8 sfo{
;fg]fuf}r/gsf7df08f} sfo{ u/]sf] cg'ej
la=sd
;~rfnsx?sf] ljj/0f M
z]o/ z}lIfs cGo If]qsf]
qm=;+= Gffd÷7]ufgf Kfb /fli6«otf pd]/ k|:tfljt If]qsf] cg'ej cg'ej
:jfldTj of]Uotf
ljut !% jif{
>L ;'dg b]lv xf/e]i6
1 k|;fb >]i7, cWoIf g]kfnL 55 15,000 Pdsd gePsf] 6'/ P08
wgl;+xk'/ $,
s}nfnL 6«feN;sf
lgb]{zs
>L rGb| lzIf0f, @)
2 axfb'/ rGb, ;+rfns g]kfnL 52 2,000
jif{ b]lv
PdP gePsf]
af;'lnË &, lzIf0f ;+:yfdf
a}t8L sfo{/t
>L 8an k'j{ ;+rfns dxfnIdL ljsf; a}s
3 axfb'/ zfx, ;+rfns g]kfnL 48 5,000 PdP lnld6]8 -@)&$.)!.)@ b]lv ljut !% jif{
/fdlzv/ emfnf
@)&^.)(.@*_ b]lv Jofkf/
@, s}nfnL
>L /0fb]j k'j{ ;+rfns /f/f ljsf; a}s
4 s[i0f >]i7, ;+rfns g]kfnL 47 1,000 k|lj0ftf -@)^*.!@.@% b]lv @)&!.)*.@* gePsf]
Rof;n (, ;Dd_ k|f]u|]lze kmfOgfG; lnld6]8
11
nflntk'/ -@)&!.)(.!# b]lv
@)&%.)(.!);Dd_
>L OZj/L g]kfn a}s lnld6]8sf] #) jif{
5
/] UdL kGt, :jtGq g]kfnL 62
a} ls+u ;]jf u/L k|jGws kbaf6
;+rfns
— k|lj0ftf gePsf]
wgu9L $, cfjsf; k|fKt -@)$#.!).!% b]lv
s}nfnL @)&#.!).!^_
-@_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt ljj/0f (Profile) / pQm
sDkgL÷;+:yfsf ;~rfnsx?sf] gfd, 7]ufgf, -k|fs[lts JolQm gv'n];Dd_ M
z]o/ :jfldTj
qm=;+= Gffd÷7]ufgf ;+lIfKt ljj/0f ;~rfnssf] gfd, 7]ufgf ljQLo ljj/0f
-lsQf_
! zfOg /];'Ëf 8]enkd]06 a}s cWoIf M yfg]Zj/ kf}8]n ;+nUGf
lnld6]8 sDkgL P]g cGtu{t 7]ufgf M a'6jn ^ , ?kGb]xL 678,776.33 ul/Psf]
klAns lnld6]8 sDkgLsf]
?kdf btf{ eO{ g]kfn /fi6« ;+rfns M 8f= tf/f k|;fb pkfWofo
a}+saf6 /fli6«o:t/sf] ljQLo 7]ufgf M a'6jn ( , ?kGb]xL 63,925.25
>L zfOg ;+:yfsf] ¿kdf a}+lsË sf/f]jf/ ;+rfns M O{= ;'/h pk|]tL
/];'Ëf ug{ Ohfhtkqk|fKt ævÆ ju{sf] 7]ufgf M l;=g=kf * , ?kGb]xL 143,011.29
8]enkd]06 ljQLo ;+:yf xf] . ljQLo
;+:yfsf] k|wfg sfof{no a'6jn ;+rfns M df]xg rkfufO{
a}s 19,358.34
lnld6]8, !! sflnsfgu/df /x]sf] 5 . 7]ufgf M lg=g=kf @ , ?kGb]]xL
a'6jn !! ;+rfns M lj/]Gb| lji6 1,711.95
sflnsfgu/ 7]ufgf M ledbQ ! s+rgk"/
;+rfns M gd|tf e08f/L %))
7]ufgf M a'6jn * , ?kGb]xL
:jtGq ;+rfns M uf]kfn k|;fb kf08] nfu' gx'g]
7]ufgf M a'6jn * , ?kGb]xL
@ cfO{ SofkL6n k|fOe]6 lnld6]8 cWoIf M cho s'df/ >]i7 %#)))) ;+nUGf
>L cfO sDkgL P]g cGtu{t btf{ eO{ 7]ufgf M cf]6' @$, sf7df08f} ul/Psf]
nufgLsf nflu ;Nnfxsf/sf]
SofkL6n ;+rfns M dx]Gb| u'?+u -k|ltlgwL – $*))))
?kdf sfd ug]{ tyf 3/
k|f=ln=, z+s/ u|'k k|f=ln=_
hUufdf / z]o/df nufgL ug]{
kfgLkf]v/L
;+:yf xf] . ;+:yfsf] k|wfg
sf7df08f}
sfof{no kfgLkf]v/L 7]ufgf M kf]v/f !@ sf:sL
sf7df08f}df /x]sf] 5 .
-#_ ;+ul7t ;++:yfsf] ;~rfns cGo s'g} sDkgL, ;++:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;~rfns / cfj4 ePsf] ;+:yfsf] gfd,
7]ufgf M
Gffd÷7]ufgf ;~rfnsx? cfa4 /x]sf sDkgL, ;+:yf, sf]if, ;~rfnsx? cfa4 /x]sf sDkgL, ;+:yf, sf]if,
qm=;+= ;+u7g jf kmd{x?sf] gfd ;+u7g jf kmd{x?sf] 7]ufgf
>L ;'dg k|;fb >]i7, xf/e]i6 d'g 6'/ P08 6«feN; sf7df08f} !^ afnfh'
!=
wgl;+xk'/ $, s}nfnL
>L rGb| axfb'/ rGb, l;4fy{ lz;' ;bg / ho dflnsf ax'd'vL Sofk; wgu9L @, s}nfnL
@=
af;'lnË &, a}t8L
#= >L 8an axfb'/ zfx, k'j{ ;+rfns dxfnIdL ljsf; a}s lnld6]8 wgu9L #, s}nfnL
/fdlzv/ emfnf @, s}nfnL
>L /0fb]j s[i0f >]i7, k'j{ ;+rfns /f/f ljsf; a}s / k|f]u|]lze lj/]Gb|gu/ ;'v]{t / sf7df08f}
$= Rof;n (, nflntk'/ kmfOgfG; lnld6]8
>L OZj/L /]UdL kGt, gePsf] gePsf]
%= wgu9L $, s}nfnL
sDkgL P]g, @)^# sf] bkmf *( sf] pkbkmf -!_ -5_ tyf ;"rLs[t ;+ul7t ;+:yfx?sf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf,
@)&$ sf] Joj:yfx? k"0f{ ?kdf kfngf ePsf] .
-$_ ;+:yfks÷;~rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M
s_ g]kfn /fi6« a}+ssf] k"j{ :jLs[tL glnO{ ljQLo ;+:yfsf] z]o/ s'g} ljb]zL a}+s jf ljQLo ;+:yfnfO{ ljqmL jf x:tfGt/0f ul/g]
5}g . s
12
v_ g]kfn /fi6« a}+ssf] k"j{:jLs[tL glnO{ ;+:yfks / ;j{;fwf/0f ;d"xsf] z]o/ :jfldTj cg'kftdf kl/jt{g ug{ kfOg] 5}g .
u_ ljQLo ;+:yfn] sf/f]jf/ ;~rfng u/]sf] kfFr jif{ gk'u];Dd ;f] ;+:yfsf] ;+:yfksn] cfˆgf] z]o/ laqmL jf lwtf] aGws /fVg
kfpg] 5}g / pQm cjlw kl5 To:tf] z]o/ laqmL ubf{ jf lwtf] aGws /fVg' kbf{ g]kfn /fi6« a}+ssf] k"j{ :jLs[tL lng' kg]{5 .
o; Joj:yf adf]lhd ljQLo ;+:yfn] sf/f]jf/ ;+rfng u/]sf] kfFr jif{ gk'ut] f klg ljQLo ;+:yfsf] ;+rfngdf s'g} afwf
Jojwfg pTkGg eO{ ljz]if kl/l:yltsf] ;[hgf x'g uPdf g]kfn /fi6« a}+ssf] :jLs[lt lnO{ ;+:yfksx?sf aLrdf z]o/ v/Lb
laqmL ug{ ;lsg]5 . o;/L z]o/ laqmLubf{ Ps eGbf a9L z]o/wgLn] z]o/ v/Lb ug{ rfx]df lghn] wf/0f u/]sf] z]o/sf]
cg'kftdf ljt/0f ug'{ kg]{5 . ;f] ;d"xsf s'g} klg ;+:yfks z]o/wgLn] z]o/ lng] OR5f gu/]df dfq To:tf] z]o/ ;+rfns
;ldltsf] lg0f{o adf]lhd g]kfn /fi6« a}+ssf] :jLs[ltlnO{ cGo JolQm, kmd{, sDkgLjf ;+:yfnfO{ laqmL ug{ ;lsg]5 .
3_ s'g} ;+:yfks z]o/wgLsf] d[T o' ePdf jf k|rlnt sfg'g adf]lhd kfl/jfl/s c+zj08f ePdf jf cbfntsf] cfb]zn] lghsf]
z]o/ xsjfnfdf gfd;f/L x'g] ePdf v08 -u_ sf] aGb]h nfu' x'g] 5}g .
ª_ ;j{;fwf/0fn] z]o/ vl/b ubf{ !) c+sn] efu ubf{ z]if g/xg] u/L Go"gtd !) lsQf z]o/ jf clwstddf ljj/0fkqdf tf]lsP
adf]lhd z]o/ vl/b ug{sf nflu lgj]bg ug{ ;Sg]5 .
t/ xsk|b z]o/ / af]g; z]o/sf] xsdf of] aGb]h nfu" x'g] 5}g .
r_ ljQLo ;+:yfsf ;~rfns, sfo{sf/L k|d'v, n]vfk/LIfs, ;lrj jf ljQLo ;+:yfsf] Joj:yfkg tyf n]vf;DaGwL sfo{df
k|ToIf?kn] ;+nUg JolQmn] To:tf] kbdf jfxfn /xFbfsf] avt jf To:tf] kbaf6 cjsfz k|fKt u/]sf] sDtLdf Ps jif{;Dd
n3'ljQ ljQLo ;+:yf jf o;sf] ;xfos sDkgLsf] z]o/ cfˆgf] jf cfˆgf] kl/jf/sf] lgoGq0fdf /x]sf] kmd{, sDkgLjf ;+:yfsf]
gfddf v/LblaqmL ug{ u/fpg ug{ lbg, lwtf]aGws /fVg, /fVg nufpg jf bfg as; lng, lbg jf n]g b]g ug{‘ x'Fb}g . t/,
gofF z]o/ hf/L u/]sf] cj:yfdf of] k|ltaGw nfu" x'g] 5}g .
5_ s;}n] v08 -r_ ljkl/t sfd u/]df To:tf] z]o/ ljQLo ;+:yfn] hkmt ug]{5 / To;/L hkmt ePsf] z]o/ ;+rfns ;ldltn]
plrt 7x/¥ofPsf] lsl;daf6 ljqmLlat/0f ug{ ;Sg]5 .
h_ z]o/ v/Lbjf x:tfGt/0f ug{ aGb]h ;DaGwL cGo Joj:yf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&#, sDkgLP]g, @)^# /
lwtf]kq sf/f]jf/ ;DjGwL sfg'g tyf cGo k|rlnt sfg"gdf pNn]v eP adf]lhd x'g]5 .
v= ;+:yfks÷;~rfns;Fusf] sf/f]jf/M
-c_ ;+ul7t ;++:yfaf6 s'g} ;+:yfks÷;~rfnsn] k|T oIf 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 a}+sn] s'g} ;DklQ, ;]jf k|fKt
u/]sf] jf ug]{ ePdf tT;DaGwL ljj/0f M
n3'ljQ ljQLo ;+:yfsf] ;~rfnsx?n] ;~rfns ;ldltsf] a}7s eQf afx]s cGo s'g} klg ;+:yfks jf ;~rfnsn] o;
;+:yfaf6 k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf;'ljwf -cfly{s jf u}/ cfly{s_ k|fKt u/]sf 5}gg\ / ;f] ;DaGwdf n3'ljQ
ljQLo ;+:yfn] ;+:yfks jf ;~rfnsaf6 s'g} ;DklQjf ;]jf ;d]t k|fKt u/]sf] 5}gg\ .
-cf_ aF'bf -c_ df pNn]lvt j:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M ;f] gePsf] .
u=^= ;Lldt bfloTj ;DaGwL ljj/0f M
o; ljQLo ;+:yf sDkgL P]g, @)^# cGtu{t ;+:yflkt 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] bffloTj ;Lldt 5 . o; n3'ljQ ljQLo ;+:yfsf
z]o/jfnfx?sf] bfloTjlghn] v/Lb u/]sf] jf v/Lb ug{ sa'n u/]sf] z]o/sf] clwstd /sd ;Dddf q;Lldt /xg]5 .
u=&= ;+ul7t ;+:yfsf] sd{rf/L ;DaGwLhfgsf/L M
s= ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0fM
-c_ ;+ul7t ;++:yfsf] pRr Joj:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn] u/]sf] sfdsf] cg'ej
tyf ;+ul7t ;++:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f M
qm= sd{rf/Lsf] 7]ufgf lgo'QmL ldlt Kfb z}lIfs cg'ej tyf xfn lhDd]jf/L
;+= Gffd÷7]ufgf of]Uotf
! >L ;'/]z :yfoL M hfgsL @)&^÷*÷!* k|d'v sfo{sf/L :gftsf]Q/ a}s tyf ljQLo ;+:yfdf ljut @% aif{
axfb'/ ad uf=kf= $, s}nfnL clws[t b]lv ljleGg kbdf /xL sfo{ u/]sf] cg'ej
xfn M wgu9L !, . To;}u/L ljsf; a}sdf k|d'v sfo{sf/L
s}nfnL clws[tsf] lhDd]jf/Ldf /xL sfo{ ug'{ePsf]
. xfn vKt8 n3'ljQ ljQLo ;+:yf ln=
ldlt @)&^÷)*÷!% b]lv k|d'v sfo{sf/L
clws[tsf] ?kdf sfo{/t /xg'ePsf] .
@ >L x]d /fh :yfoL M wgu9L @)&*÷%÷!% k|aGws :gftsf]Q/ a}s tyf ljQLo ;+:yfdf @! aif{sf]
hf]zL !$ s}nfnL cg'ej . ljut * jif{ b]lv n3'ljQ ljQLo
xfn M wgu9L % ;+:yfdf n]vfk/LIf0f ljefu k|d'vsf]
13
s}nfnL lhDd]jf/Ldf /x]/ sfd ug'{ePsf] / xfn
vKt8 n3'ljQ ljQLo ;+:yf ln= df klg
n]vfk/LIf0f ljefu k|d'vsf] ?kdf sfo{/t
.
# >L dLg k|;fb :yfoL M ;fk]mau/ @)&*÷!)÷@ k|jGws :gftsf]Q/ a}s tyf ljQLo ;+:yfdf ljut !) jif{
hf]zL gu/kflnsf ! b]lv sfd u/]sf] cg'ej . ljutdf n3'ljQ
a}hgfy ljQLo ;+:yfdf hgzlQm tyf k|zf;g,
xfn M wgu9L !@ n]vf ljQ Joj:yfkg, shf{ tyf c;'nL,
s}nfnL hf]lvd Joj:yfkg ljefudf k|d'vsf]
?kdf sfo{ u/]sf] / u}/ a}+lsË tyf a}+lsË
If]q u/L hDdf !@ aif{sf] sfof{g'ej . xfn
hgzlQm Aoj:yfkg ljefu k|d'vsf] ?kdf
sfo{/t .
>L e/t l;+x :yfoL 7]ufgf M @)&*÷!)÷@ clws[t :gfts a}s tyf ljQLo ;+:yfdf ljut % jif{
/fjn d+un;]g g=kf= b]lv sfd u/]sf] cg'ej . ljutdf n3'ljQ
!) ljQLo ;+:yfdf n]vf ljQ Joj:yfkg,
$ xfn M ctl/of shf{ c;'nL tyf hf]lvd Joj:yfkg
s}nfnL ljefudf sfo{ u/]sf] / u}/ a}+lsË tyf
a}+lsË If]q u/L hDdf !@ aif{sf] sfof{g'ej
. xfn n]vf ljQ Aoj:yfkg ljefu
k|d'vsf] ?kdf sfo{/t .
>L Odfg :yfoL 7]ufgf M @)&*÷!)÷& slgi7 clws[t :gfts a}s tyf ljQLo ;+:yfdf ljut % jif{
a6fnf nDsL r'xf g=kf= b]lv sfd u/]sf] cg'ej . ljutdf n3'ljQ
% ! ljQLo ;+:yfdf ;'rgf k|ljlw ljefudf
xfn M ctl/of sfo{ u/]sf]. xfn ;'rgf k|ljwL ljefu
s}nfnL k|d'vsf] ?kdf sfo{/t .
;+ul7t ;++:yfsf sd{rf/Lx? cGo ;"rLs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgLsf] ?kdf /x]sf] jf sd{rf/Lx?n] cGo s'g} ;+ul7t
;+:yfdf u/]sf] nufgL ;DaGwL ljj/0f M ;f] gePsf] .
-cf_ ljj/0f kq 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 ePsf] eP ;f] ;DaGwL ljj/0f M ;f] gePsf] .
-O_ sd{rf/Lsf] ;+Vof M :yfoL, c:yfoL, s/f/, Hofnfbf/L / cGoM
qm=;+= s'n sd{rf/L ;+Vof :yfoL c:yfoL s/f/ k|lzIffyL{ cGo
! @( !# – ! !% –
v= ;~rfns Pjd\ pRr Joj:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0fM
-c_ ;~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 ;'ljwf M
;~rfnsn] kfpg] dfl;s kfl/>lds, a}7s eQf, b}lgs tyf e|d0f eQf / cGo ;'ljwf ;DaGwL Joj:Yff lgodfjnLsf] lgod
#@ cg';f/ b]xfo adf]lhd /x]sf]]5 .
!= ;~rfns ;ldltsf] a}7sdf pkl:yt eP afkt cWoIf / cGo ;+rfnsn] kfpg] k|lt a}7s eQf ?= #,)))÷– / ?=
@,%))÷– x'g]5 .
@= ljQLo ;+:yfsf] sfdsf] l;nl;ndf ;~rfnsnfO{ k|bfgul/g] b}lgs tyf e|d0f eQf b]xfo adf]lhd /x]sf] 5 .
c_ :jb]zdf b}lgs eQf ?=@,)))÷–
cf_ ef/tdf b}lgs eQf ef?=@,)))÷–
O_ ef/t afx]ssf cGo ljb]zL d''n'sdf b}lgs eQf cd]l/sL 8n/ !!)÷–
O{_ e|d0f eQf lan adf]lhd x''g5 ] .
cGo ;''ljwf ;fwf/0f ;efn] ;do ;dodf lgwf{/0f u/] adf]lhd x''g]5 .
-cf_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf tLg hgf clws[tx?sf] gfd, kb / Ps cfly{s jif{sf] cjlw leqpgLx?nfO{
kfl/>ldssf] ?kdf e'Q
' mfg ul/Psf] /sd M
qm=;+= Gffd Kb kfl/>lds /sd -?=_ -@)&*÷&(_
! ;'/]z axfb'/ ad k|d'v sfo{sf/L clws[t !$,$%,*))÷##
O_ 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/0f M ;f] gePsf] .
14
u=*= cGtlg{lxt hf]lvdtyf ;f]sf] Joj:yfkgsf nflu Joj:yfkgsf] wf/0ff M ljQLo ;+:yfsf] cGtlg{lxt hf]lvdx? lgDgfg";f/ /x]sf
5g\ .
-s_ ljQLo ;fwgsf] cefjaf6 x''g] hf]lvd M shf{ nufgLdf cK7\of/f] kg]{ / lgIf]k /sdsf] e'Q
' mfgL lbg ;d:of kg]{ .
-v_ sRrfkbfy{sf] cefjaf6 x'g] hf]lvd M ;f] gePsf] -pTkfbg sDkgL g/x]sf]_.
-u_ pTkfbgjf ;]jfsf] ahf/sf] l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvd M
 gofF n3'ljQ ;+:yfx?sf] k|j]zaf6 pTkGgx'g] k|lt:kwf{af6 x'g;Sg] hf]lvdx? .
 n3'ljQ ljQLo ;+:yfn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'guPdf x'g] hf]lvdx? .
 lgIf]k tyf shf{sf] Jofhb/df cfpg] kl/jt{gaf6 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 ;f] gePsf] -
pTkfbg sDkgL g/x]sf]_.
-ª_ ljb]zL ljlgdosf] hf]lvd M ;f] gePsf] -ljb]zL ljlgdo sf/f]jf/ ug]{ gu/]sf]_.
-r_ sfg"gL k|lqmofx? tyf O{hfht k|fKt ug'{kg]{ eP ;f]af6 kg{ ;Sg] cj/f]wx? M ;f] gePsf] -ljQLo ;+:yfsf] Ohfht k|fKt e}
;s]sf]_ .
-5_ If]qLo s/0f / ljZjJofkLs/0f (Globalization) sf sf/0faf6 pTkGgx'g ;Sg] hf]lvd M
 cGt/fli6«o ahf/df x'g] dGbLaf6 g]kfnL ahf/df kg{ ;Sg] c;/af6 x'g;Sg] cfly{s hf]lvdx? .
 k"FhL ahf/sf] cj:yfdf cfpg] ptf/–r9fjaf6 kg{;Sg] hf]lvdx? .
-h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjJofkL ?kdfx'g] gLltut kl/jt{gaf6 pTkGg x'g] hf]lvd M
 b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+s n] hf/L ug]{ lgod lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf x'g] ;Defljt
hf]lvdx? .
 b]zsf] j}b]lzs gLltdf x'g ;Sg] kl/jt{gaf6 pTkGg x'g ;Sg] ;Defljt hf]lvdx? .
 g]kfn ;/sf/ tyf cGo lgodgsf/L lgsfox?sf] cfly{s tyf ljQLo gLlt lgoddf x'g] kl/jt{gaf6 l;h{gf x'g;Sg]
;Defljt hf]lvdx? .
-em_ ;~rfng Oltxf;sf] cefj M
 o; ljQLo ;+:yfsf] n3'ljQ sfo{qmd g]kfn /fi6« a}+saf6 ldlt @)&^ kmfNu'g !* ut] ljQLo sf/f]jf/ ug{ :jLs[lt k|fKt
u/L -;'b'/klZrd k|b]z_ ( lhNnfsf] sfo{ If]q ePsf] æ3Æ ju{sf] ljQLo ;+:yfsf] x}l;otn] ldlt @)&& >fj0f !^ ut] b]lv
dfq sf/f]af/ ;~rfng u/]sf] x'Fbf n3'ljQ ljQLo ;+:yfsf] ?kdf sf/f]jf/ ;~rfngsf] Oltxf; 5f]6f] /x]sf] 5 .
-`_ k|ljlwsf] kl/jt{gaf6 x'g ;Sg] hf]lvd M
 k|ljlw ;DaGwL kl/jt{gaf6 ljQLo ;+:yfsf] ;~rfng tyf sf/f]jf/ k|0ffnLdf ck|Toflzt hf]lvd /xg' :jefljs g} xf] .
ljQLo ;+:yfn] k|of]u ug]{ ;ˆ6j]o/df k|ljlwsf] kl/jt{gaf6 cfpg ;Sg] hf]lvd Joj:yfkgsf nflu tYofÍx?sf] ;'/Iffy{
Data Backupdf ljz]if ;ts{tf ckgfO{Psf] 5 / To;af6 hf]lvdnfO{ Go"lgs/0f ug{ ljQLo ;+:yf ;Ifd /x]sf] 5 .
-6_ cGo M
 b]zsf] /fhg}lts cl:y/tfaf6 cfpg ;Sg] hf]lvdx? .
 b]zsf] cfly{s cj:yfdf cfpg] ptf/–r9fjaf6 x'g;Sg] hf]lvdx? .
pk/f]Qmfg';f/sf] hf]lvdx?nfO{ Go"g jf Joj:yfkg ug]{ ;DaGwdf Joj:yfkgsf] of]hgfM
 n3'ljQ ljQLo ;+:yfsf] shf{ tyf nufgL v/fa eO{ x'g;Sg] hf]lvdx?sf] nflu n3'ljQ ljQLo ;+:yfn] shf{ tyf nufgL
hf]lvd sf]ifsf] Joj:yf u/]sf] 5 . n3'ljQ ljQLo ;+:yfn] ljQ ahf/dfx'g] k|lt:kwf{sf] ;fy} If]qLos/0f / ljZjJofkLs/0f
(Globalization) sf sf/0faf6 pTkGgx'g ;Sg] hf]lvdx? Go"gLs/0f ug{sf nflu hgzlQm ljsf; dfWofg k'¥ofpg'sf]
;fy} cGo Jofj;flos hf]lvdx?af6 l;h{gf x'g;Sg] xflg–gf]S;fgLsf] nflu Joj:yfkg rgfvf] eO{ ;Defljt xflg–
gf]S;fgLsd ug{ ;Ifd / k|lta4 5 . To:t} cGo ljleGg hf]lvdx? Go"gLs/0fsf nflu k|efjsf/L cfGtl/s lgoGq0f k|0ffnL,
;dofg';f/sf] cfw'lgs k|ljlw, :ki6 gLlt tyf lgodx?sf] lgdf{0f Pjd\ ;dofg';f/ cfˆgf] ;]jf tyf ;'ljwfx?df kl/jt{g
ub}{ nlug] n3'ljQ ljQLo ;+:yfsf] gLlt /x]sf] 5 .
 sf]le8 –!( sf] dxfdf/Laf6 pTkGg s'g} hf]lvdeP ;f] ;DaGwdf M sf]le8–!(, af6 pTkGg hf]lvdsf] ;DaGwdf /fli6«o
tyf cGt/f{li6«o :t/df cjnDa geP u/]sf hf]lvd Go'lgs/0fsf pkfox?sf] cjnf]sg tyf cWoog u/L ;f]lx cg'?k
pko'Qm Joj;flos /0fgLlt cg'z/0f ug]{ .
15
 hf]lvd Go"lgs/0fsf nflu ;+:yfsf ;jf/L;fwg, l:y/ ;DklQx? tyf eN6sf] aLdf u/]sf] laj/0f M
qm=;= aLdf axg ug]{ hf]lvd aLdf ul/Psf] zLif{s lk|ldod kl5Nnf] k6s ladfsf]
sDklgsf] /sd /sd lk|ldod e'Qmfg a}Btf
gfd u/]sf] ldlt
! PgPnhL :yfoL ;DkQL, ;DkQLsf] d'No AnfÍ]6 &#,&!*.** @)&* sflt{s @)&(
OG;'/]G; ;jf/L ;fwg k'/}, &% nfv kf]ln;L c;f]h
sDkgL dfu{:y gub, dfu{:y gub, -aflif{s
lnld6]8 eN6 gub tyf @% nfv eN6 ladf z'Ns
sfpG6/ gub gub / @% e'QmfgL
nfv sfpG6/ ug'kg]{_
gub
@ lgIf]k tyf shf{ nufgL k|lt ;b:o shf{ ljdf ##(,@($ @)&( >fj0f @)&( df3
shf{ ;'/If0f /sd nufgL l;df ;Dd
lgud s-cw{aflif{s
ladf z'Ns
e'QmfgL
ug'kg]{_
lwtf] kqsf]] d"No kl/jt{g ;DaGwL hf]lvd M

?= !)) k|lt z]o/sf] b/n] lgisfzg ul/Psf] d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]jf/n] z]o/ d"Nodf x'g ;Sg]
kl/jt{gsf] hf]lvd /x]sf] 5 .
u=(= ljQLo ljj/0fM
s= ljQLo ljj/0f / tT;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0fM
-c_ ;+ul7t ;+:yfsf] n]vfk/LIf0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg lx;fa afF8kmfF8 /
gub k|jfx ljj/0f M
ljQLo ;+:yfsf] cf=j= @)&&÷&* sf] jf;nft, gfkmf—gf]S;fg lx;fa, gfkmf—gf]S;fg afF8kmfF8 lx;fa tyf gub k|jfxsf]
ljj/0f lgDgfg';f/ 5 M–
jf;nft -cfiff9 #!, @)&*_
Jf:tljs ? xhf/df
k"“hL tyf bfloTj )&&÷)&*
!= z]o/ k"“hL 26,800.00
@= hu]8f tyf sf]ifx? 291.74
#= C0fkq tyf aG8 -
$= ltg{ af+sL shf{ tyf ;fk6 132,500.00
%= lgIf]k bfloTj 1,377.50
^= k|:tfljt nfef+z -
&= cfos/ bfloTj 170.63
*= cGo bfloTj 338.16
s'n k"“hL tyf bfloTj 161478.03
;DklQ )&&÷)&*
!= gub df}Hbft 4,774.17
@= g]kfn /fi6« a}+sdf /x]sf] df}Gbft 975.00
#= a}+s ÷tyf ljQLo ;+:yfdf /x]sf] df}Hbft 26665.51
$= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd -
%= nufgL -
^= shf{ ;fk6 128025.86
&= l:y/ ;DklQ 946.12
*= u}/ a}+ls· ;DklQ -
(= cGo ;DklQ 91.37
s"n ;DklQ 161478.03
16
gfkmf–gf]S;fg lx;fa
jf:tljs /sd ? -xhf/df_
ljj/0F
cf=j=@)&&÷&*
!= Aofh cfDbfgL 13021.94
@= Aofh vr{ 5827.38
v'b Jofh cfDbfgL 7194.56
$= sldzg tyf cGo ;~rfng cfDbfgL 2454.89
%= ;6xL 36a9 cfDbfgL -
s'n ;~rfng cfDbfgL 9649.44
^ sd{rf/L vr{ 3140.90
&= cGo ;~rfng vr{ 1402.19
*=;6xL 36a9 gf]S;fg -
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 5106.35
( ;Defljt gf]S;flg Joj:yfx? 4644.55
;~rfng d'gfkmf 461.80
!)= u}/ ;~rfng cfDbfgL ÷ vr{ -
!!=;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ -
lgoldt sf/f]jf/af6 ePsf] d'gfkmf 461.80
!@=c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL÷vr{ -
;Dk'0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 461.80
!#=sd{rf/L af]g; Joj:yf 46.18
!$=cfos/ Joj:yf 124.69
–o; jif{sf] s/ Joj:yf 170.63
–laut jif{;Ddsf] s/ Joj:yf -
–o; aif{sf] :yug s/ cfDbfgL÷-vr{_ (45.94)
v'b gfkmf gf]S;fg 290.93
gfkmf–gf]S;fg afF8kmfF8 lx;fa

jf:tljs -?=xhf/df_
ljj/0f
cf=j=@)&&÷&*
!= ut aif{{;Ddsf] ;lr+t d'gfkmf 0.81
@= o; jif{sf] d'gfkmf 290.93
#= ;6xL 36j9 sf]i f -
hDdf 291.74
!= ut jif{ ;Ddsf] ;l~rt gf]S;fg -
@= o; jif{sf] gf]S;fg -
#= ;fwf/0f hu]8f sf]i f 58.19
$= e}k/L cfpg] hu]8f sf]i f -
%= ;+:yf ljsf; sf]if -
^= nfef+z ;dLs/0f sf]if -
&= sd{rf/L ;DaGwL hu]8fx? -
*= k|:tfljt nfef+z -
(= k|:tfljt af]g; z]o/ -
!)= ljz]if hu]8f sf]if -
!!= ;6xL 36a9 sf]if -
!@= k"+hL lkmtf{ hu]8f sf]if -
!#= k"+hL ;dfof]hg sf]if -
!$ :ygug s/ hu]8f 45.94
!$ u|fxs ;+/If0f sf]if 2.90
!% sd{rf/L bIftf clej[l4 sf]i f 20.49
!^ ;+:yfut ;fdflhs pQ/bfloTj sf]if 2.90
hDdf 130.44
!% ;l~rt d'gfkmf ÷-gf]S;fg_ 161.31
17
gub k|jfxsf] ljj/0f
ljj/0f o; aif{ ?=
-s_ sf/f]jf/ ;+rfngaf6 gub k|jfx 6,383.36
!= gub k|flKt 15,476.82
!=! Jofh cfDbfgL 13,021.93
!=@ sdLzg tyf l8isfp06 cfDbfgL 2,454.88
!=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL -
!=$ ckn]lvt shf{sf] c;'nL -
!=% cGo cfDbfgL -
@= gub e'QmfgL 10,370.82
@=! Aofh vr{ 5,827.38
@=@ sd{rf/L vr{ 3,140.90
@=# sfof{no ;+rfng vr{ 1402.19
@=$ cfos/ e'QmfgL 0.35
@=% cGo vr{ -
sfo{ut k'“hL ultljlw cl3sf] gub k|jfx 5,106.00
;+rfng ;DalGw rfn' ;DklQdf sdL÷-j[l4_ (132,715.84)
!= dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ -
@= cGo cNksfnLg nufgLdf sdL -j[l4_ -
#= shf{ tyf laN; vl/bdf sdL÷-j[l4_ (132,670.41)
$= cGo ;DklQdf sdL÷-j[l4_ (45.43)
;~rfng ;DalGw rfn' bfloTjdf -sdL_÷a[l4 133,993.19
!= lgIf]k bfloTjdf -sdL_÷j[l4 1,377.49
@= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷a[l4 -
#= cNksfnLg ;fk6Ldf -sdL_÷a[l4 132,500.00
$= cGo bfloTjdf -sdL_÷j[l4 115.70
-v_ nufgL sf/f]jf/df gub k|jfx (221.95)
!= bL3{sfnLg nufgLdf sdL÷-a[l4_ -
@= :yL/ ;DklQdf sdL÷-a[l4_ -
#= bL3{sfnLg nufgLdf Jofh cfDbfgL (221.95)
$= nfefz+ cfDbfgL -
%= cGo -
-u_ ljQLo >f]t sf/f]jf/af6 gub k|jfx -
!= bL3{sfnLg C0f-j08,l8j]Gr/ cfbL_ df a[l4÷-sdL_ -
@= z]o/ k'hLFdf a[l4÷-sdL_ -
#= cGo bfloTjdf j[l4÷-sdL_ -
$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k"g/shf{df j[l4-sdL_ -
-3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePs]f km/saf6 cfDbfgL÷vr{ -
-ª_ o; aif{sf] ;Dk'0f{ ultlwaf6 gub k|jfx 6,161.41
-r_ gub tyf a}+sdf /x]sf] z'? Df}fHbft 26,253.27
-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 32,414.68
n]vfkl/Ifssf] k|ltbfjL /fo M xfdLn] vKt8 n3'ljQ ljQLo ;+:yf lnld6]8sf] #! ciff9 @)&* sf] jf;nft, ;f]xL ldltdf
;dfKt ePsf] gfkmf gf]S;fg, gfkmf gf]S;fg afF8kmfF8, gub k|jfx ljj/0f ;f] ;+u ;DalGwt cg';'lr Pj+ k|d'v n]vfgLlt tyf
n]vf ;DalGw l6Kk0fLx?sf] kl/If0f u/]sf 5f} . xfd|f] /fodf ;+:yfsf] #! cfiff9 @)&* sf] ljQLo ljj/0f cfly{s cj:yf tyf
pQm cjlwsf] gfkmf / gub k|jfxsf] g]kfn n]vfdfg tyf n]vfsf] ;j{dfGo l;4Gt cg';f/ ;d'lrt tyf oyfy{ lrq0f ub{5 .
Joj:yfkgsf] wf/0ff M o; ljQLo ;+:yfn] ljBdfg P]g, sfg'g tyf lgodg lgsfox?af6 hf/L ePsf lgb]{zgx?sf] k"0f{ ?kdf
kfngf ub}{ cfkm\gf ljQLo ;]jf k|jfx ul//x]sf] 5 . ljQLo ljj/0fx? tof/ ug]{ ;Gbe{df g]kfn /fi6« a}+ssf] lgb]{zgdf ePsf]
Joj:yf adf]lhd tof/ ub}{ cfO{ /x]sf]df :jtGq n]vfkl/Ifssf] k|ltj]bg dfkm{t k|fKt ;'emfj cg';f/ cfjZos Joj:yf
ldnfO{g] 5 .
gf]6 M g]kfn /fi6« a}s lgb]{zg g+= $ -!_ u= df æo; a}+ssf] lgb]{zgdf tf]lsPsf] cj:Yffdf afx]s ljQLo ljj/0fx? g]kfn
n]vf dfkb08 (NAS) cg';f/ tof/ ug'{ kg]{5 . g]kfn n]vf dfkb08n] ;dfj]z gu/]sf If]qx?df cGt/{fli6«o n]vf dfkb08
(IAS/IFRSs) nfO{ cfwf/sf] ?kdf lng' kg]{5 . yf]s shf{ sf/f]jf/ ug]{ / ;j{;fwf/0faf6 lgIf]k ;+sng ug]{ n3'ljQ
ljQLo ;+:yfx?n] cfly{s jif{ @)&*÷)&( / ;f] kZrft\sf ljQLo ljj/0f g]kfn ljQLo k|ltj]bgdfg (NFRSs) cg';f/
18
tof/ ug'{ kg]{5 . ;fy}, /fli6«o:t/sf n3'ljQ ljQLo ;+:yfn] @)&( c;f/ d;fGtsf] ljQLo ljj/0f g]kfn ljQLo k|ltj]bgdfg
(NFRSs) cg';f/ ;d]t ;dfgfGt/?kdf tof/ ug'{ kg]{5 .Æ eGg] pNn]v ul/Psf] .
-cf_ ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt e} g;s]sf] cj:yfdf ;~rfng
cjlwe/sf] n]vfk/LIf0f ePsf] gfkmf gf]S;fg, jf;nft ;lxtsf] ;+lIfKt ljQLo ljj/0f M
jf;nft /sd ? -xhf/df_
Jf:tljs
k"“hL tyf bfloTj
)&&÷)&* )&^÷)&&
!= z]o/ k"“hL 26,800.00 26,800.00
@= hu]8f tyf sf]ifx? 291.74 0.81
#= C0fkq tyf aG8 - -
^= k|:tfljt nfef+z - -
&= cfos/ bfloTj 170.63 0.35
*= cGo bfloTj 338.16 176.29
s'n k"“hL tyf bfloTj 161478.03 26,977.45
;DklQ )&&÷)&* )&^÷)&&
!= gub df}Hbft 4,774.17 -
@= g]kfn /fi6« a}+sdf /x]sf] df}Gbft 975.00 -
#= a}+s ÷tyf ljQLo ;+:yfdf /x]sf] df}Hbft 26665.51 -
$= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd - 26,253.27
%= nufgL - -
^= shf{ ;fk6 128025.86 -
&= l:y/ ;DklQ 946.12 724.18
*= u}/ a}+ls· ;DklQ - -
(= cGo ;DklQ 91.37 -
s"n ;DklQ 161478.03 26,977.45
gfkmf gf]S;fg lx;fj
ljj/0F
jf:tljs /sd ? -xhf/df_
cf=j=@)&&÷&* cf=j=@)&^÷&&
!= Aofh cfDbfgL 13021.94 1271.19
@= Aofh vr{ 5827.38 -
v'b Jofh cfDbfgL 7194.56 1271.19
$= sldzg tyf cGo ;~rfng cfDbfgL 2454.89 6.50
%= ;6xL 36a9 cfDbfgL - -
s'n ;~rfng cfDbfgL 9649.44 1277.69
^ sd{rf/L vr{ 3140.90 683.13
&= cGo ;~rfng vr{ 1402.19 593.40
*=;6xL 36a9 gf]S;fg - -
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 5106.35 1.16
( ;Defljt gf]S;flg Joj:yfx? 4644.55
;~rfng d'gfkmf 461.80 1.16
!)= u}/ ;~rfng cfDbfgL ÷ vr{ - -
!!=;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ - -
lgoldt sf/f]jf/af6 ePsf] d'gfkmf 461.80 1.16
!@=c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL÷vr{ - -
;Dk'0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 461.80 1.16
!#=sd{rf/L af]g; Joj:yf 46.18 0.00
!$=cfos/ Joj:yf 124.69 0.35
–o; jif{sf] s/ Joj:yf 170.63 0.35
–laut jif{;Ddsf] s/ Joj:yf - -
–o; aif{sf] :yug s/ cfDbfgL÷-vr{_ (45.94) -
v'b gfkmf gf]S;fg 290.93 0.81
19
Gffkmf gf]S;fg afF8kmfF8 lx;fj
jf:tljs -?=xhf/df_
ljj/0f cf=j=@)&&÷&* cf=j=@)&^÷&&
@= o; jif{sf] d'gfkmf 290.93 0.81
#= ;6xL 36j9 sf]if - -
hDdf 291.74 0.81
!= ut jif{ ;Ddsf] ;l~rt gf]S;fg - -
@= o; jif{sf] gf]S;fg - -
#= ;fwf/0f hu]8f sf]if 58.19
$= e}k/L cfpg] hu]8f sf]if - -
%= ;+:yf ljsf; sf]if - -
^= nfef+z ;dLs/0f sf]if - -
&= sd{rf/L ;DaGwL hu]8fx? - -
*= k|:tfljt nfef+z - -
(= k|:tfljt af]g; z]o/ - -
!)= ljz]if hu]8f sf]if - -
!!= ;6xL 36a9 sf]i f - -
!@= k"+hL lkmtf{ hu]8f sf]i f - -
!#= k"+hL ;dfof]hg sf]i f - -
!$ :ygug s/ hu]8f 45.94 -
!$ u|fxs ;+/If0f sf]if 2.90 -
!% sd{rf/L bIftf clej[l4 sf]if 20.49 -
!^ ;+:yfut ;fdflhs pQ/bfloTj sf]if 2.90 -
hDdf 130.44 -
!% ;l~rt d'gfkmf ÷-gf]S;fg_ 161.31 0.81
gub k|jfx ljj/0f /sd ? -xhf/df_

ljj/0f cf=j= @)&&.)&* cf=j= @)&^.)&&
-s_ sf/f]jf/ ;+rfngaf6 gub k|jfx 6,383.36 177.45
!= gub k|flKt 15,476.82 1,277.69
!=! Jofh cfDbfgL 13,021.93 1,271.19
!=@ sdLzg tyf l8isfp06 cfDbfgL 2,454.88 6.5
!=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL - -
!=$ ckn]lvt shf{sf] c;'nL - -
!=% cGo cfDbfgL - -
@= gub e'QmfgL 10,370.82 1,276.53
@=! Aofh vr{ 5,827.38 -
@=@ sd{rf/L vr{ 3,140.90 683.12
@=# sfof{no ;+rfng vr{ 1402.19 593.4
@=$ cfos/ e'QmfgL 0.35 -
@=% cGo vr{ - -
sfo{ut k'“hL ultljlw cl3sf] gub k|jfx 5,106.00 1.16
;+rfng ;DalGw rfn' ;DklQdf sdL÷-j[l4_ -132,715.84 -
!= dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ - -
@= cGo cNksfnLg nufgLdf sdL -j[l4_ - -
#= shf{ tyf laN; vl/bdf sdL÷-j[l4_ -132,670.41 -
$= cGo ;DklQdf sdL÷-j[l4_ -45.43 -
;~rfng ;DalGw rfn' bfloTjdf -sdL_÷a[l4 133,993.19 176.29
!= lgIf]k bfloTjdf -sdL_÷j[l4 1,377.49 -
@= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷a[l4 - -
#= cNksfnLg ;fk6Ldf -sdL_÷a[l4 132,500.00 -
$= cGo bfloTjdf -sdL_÷j[l4 115.70 176.29
-v_ nufgL sf/f]jf/df gub k|jfx -221.95 -724.17
!= bL3{sfnLg nufgLdf sdL÷-a[l4_ - -
20
@= :yL/ ;DklQdf sdL÷-a[l4_ - -
#= bL3{sfnLg nufgLdf Jofh cfDbfgL -221.95 -724.17
$= nfefz+ cfDbfgL - -
%= cGo - -
-u_ ljQLo >f]t sf/f]jf/af6 gub k|jfx - 26,800.00
!= bL3{sfnLg C0f-j08,l8j]Gr/ cfbL_ df a[l4÷-sdL_ - -
@= z]o/ k'hLFdf a[l4÷-sdL_ - 26,800.00
#= cGo bfloTjdf j[l4÷-sdL_ - -
$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k"g/shf{df j[l4-sdL_ - -
-3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePs]f km/saf6 -
cfDbfgL÷vr{
-ª_ o; aif{sf] ;Dk'0f{ ultlwaf6 gub k|jfx 6,161.41 26,253.27
-r_ gub tyf a}+sdf /x]sf] z'? Df}fHbft 26,253.27 -
-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 32,414.68 26,253.27
-O_ cfly{s jif{ ;dfKt ePsf]n] o; ;+:yfsf] cf=j= @)&*÷&( cfiff9 d;fGtsf] Joj:yfkgaf6 k|df0fLt ckl/is[t ljQLo
ljj/0f
jf;nft /sd ? -xhf/df_
k"“hL tyf bfloTj cfiff9 @)&(
!= z]o/ k"“hL 26,800.00
@= hu]8f tyf sf]ifx? 3,183.82
#= C0fkq tyf aG8 -
^= k|:tfljt nfef+z -
&= cfos/ bfloTj 1,327.27
*= cGo bfloTj 3,895.28
s'n k"“hL tyf bfloTj 279,673.48
;DklQ cfiff9 @)&(

!= gub df}Hbft 56.70
@= g]kfn /fi6« a}+sdf /x]sf] df}Gbft 1,400.00
#= a}+s ÷tyf ljQLo ;+:yfdf /x]sf] df}Hbft 4,843.72
$= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd -
%= nufgL -
^= shf{ ;fk6 267,061.83
&= l:y/ ;DklQ 2,724.78
*= u}/ a}+ls· ;DklQ -
(= cGo ;DklQ 3,586.44
s"n ;DklQ 279,673.48
Gffkmf gf]S;fg lx;fj /sd ? -xhf/df_
cfiff9 @)&(
ljj/0F
?
!= Aofh cfDbfgL 31,451.87
@= Aofh vr{ 22,257.29
v'b Jofh cfDbfgL 9,194.58
$= sldzg tyf cGo ;~rfng cfDbfgL 6,305.99
%= ;6xL 36a9 cfDbfgL
s'n ;~rfng cfDbfgL 15,500.57
^ sd{rf/L vr{ 8,093.34
&= cGo ;~rfng vr{ 4,139.30
*=;6xL 36a9 gf]S;fg
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 3,267.94
( ;Defljt gf]S;flg Joj:yfx?
21
;~rfng d'gfkmf 3,267.94
!)= u}/ ;~rfng cfDbfgL ÷ vr{ -
!!=;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 1,322.66
lgoldt sf/f]jf/af6 ePsf] d'gfkmf 4,590.60
!@=c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL÷vr{ -
;Dk'0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 4,590.60
!#=sd{rf/L af]g; Joj:yf 459.06
!$=cfos/ Joj:yf 1,239.46
–o; jif{sf] s/ Joj:yf 1,327.27
–laut jif{;Ddsf] s/ Joj:yf
–o; aif{sf] :yug s/ -cfDbfgL{_÷vr{ (87.81)
v'b gfkmf gf]S;fg 2,892.08
Gffkmf gf]S;fg afF8kmfF8 lx;fj /sd ? -xhf/df_

cfiff9 @)&(
ljj/0F
?
@= o; jif{sf] d'gfkmf 2,892.08
#= ;6xL 36j9 sf]if -
hDdf 3,053.38
!= ut jif{ ;Ddsf] ;l~rt gf]S;fg -
@= o; jif{sf] gf]S;fg -
#= ;fwf/0f hu]8f sf]if 578.42
$= e}k/L cfpg] hu]8f sf]if -
%= ;+:yf ljsf; sf]if -
^= nfef+z ;dLs/0f sf]if -
&= sd{rf/L ;DaGwL hu]8fx? -
*= k|:tfljt nfef+z -
(= k|:tfljt af]g; z]o/ -
!)= ljz]if hu]8f sf]if -
!!= ;6xL 36a9 sf]if -
!@= k"+hL lkmtf{ hu]8f sf]if -
!#= k"+hL ;dfof]hg sf]if -
!$= :yug s/ hu]8f 87.81
!% uf{|xs ;+/If0f sf]if 28.92
!^ sd{rf/L bIftf clej[l4 sf]if 94.23
!& ;+:yfut ;fdflhs pQ/bfloTj sf]if 28.92
hDdf 818.29
!* ;l~rt d'gfkmf ÷-gf]S;fg_ 2,235.09
gub k|jfx ljj/0f /sd ? -xhf/df_

ljj/0f cfiff9 @)&(
-s_ sf/f]jf/ ;+rfngaf6 gub k|jfx (24,335.60)
!= gub k|flKt 37,757.87
!=! Jofh cfDbfgL 31,451.87
!=@ sdLzg tyf l8isfp06 cfDbfgL 6,305.99
!=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL -
!=$ ckn]lvt shf{sf] c;'nL -
!=% cGo cfDbfgL -
@= gub e'QmfgL 34,660.55
@=! Aofh vr{ 22,257.29
@=@ sd{rf/L vr{ 8,093.34
@=# sfof{no ;+rfng vr{ 4,139.30
22
@=$ cfos/ e'QmfgL 170.63
@=% cGo vr{ -
sfo{ut k'“hL ultljlw cl3sf] gub k|jfx 3,097.31
;+rfng ;DalGw rfn' ;DklQdf sdL÷-j[l4_ (141,120.58)
!= dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ -
@= cGo cNksfnLg nufgLdf sdL -j[l4_ -
#= shf{ tyf laN; vl/bdf sdL÷-j[l4_ (137,758.75)
$= cGo ;DklQdf sdL÷-j[l4_ (3,361.83)
;~rfng ;DalGw rfn' bfloTjdf -sdL_÷a[l4 113,687.66
!= lgIf]k bfloTjdf -sdL_÷j[l4 13,202.91
@= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷a[l4 -
#= cNksfnLg ;fk6Ldf -sdL_÷a[l4 97,386.70
$= cGo bfloTjdf -sdL_÷j[l4 3,098.05
-v_ nufgL sf/f]jf/df gub k|jfx (1,778.65)
!= bL3{sfnLg nufgLdf sdL÷-a[l4_ -
@= :yL/ ;DklQdf sdL÷-a[l4_ -
#= bL3{sfnLg nufgLdf Jofh cfDbfgL (1,778.65)
$= nfefz+ cfDbfgL -
%= cGo -
-u_ ljQLo >f]t sf/f]jf/af6 gub k|jfx -
!= bL3{sfnLg C0f-j08,l8j]Gr/ cfbL_ df a[l4÷-sdL_ -
@= z]o/ k'hL“df a[l4÷-sdL_ -
#= cGo bfloTjdf j[l4÷-sdL_ -
$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k"g/shf{df j[l4-sdL_ -
-3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePs]f km/saf6 cfDbfgL÷vr{ -
-ª_ o; aif{sf] ;Dk'0f{ ultlwaf6 gub k|jfx (26,114.26)
-r_ gub tyf a}+sdf /x]sf] z'? Df}fHbft 32,414.68
-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 6,300.42
-O{_ cfDbfgL / vr{ lx;fjsf] s'g} zLif{sdf 7"nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M ;f] gePsf] .
-p_ kl5Nnf] ljQLoljj/0fsf] n]vfk/LIf0f ePkZrft ;+ul7t ;+:yfsf] sf/f]af/, 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/0ff M ;f] gePsf] .
-pm_ cfly{s jif{ ;dfKt ePkl5 ljj/0f kq k]z u/]df, ljj/0f kq k]z u/]sf] ldltaf6 :jLs[lt x'g] ldlt;Dddf jf;nftsf] ldlt
kl5sf] 36gfsf] jf/]df 5'§} hfgsf/L M ;f] gePsf] .
-P_ ljut % jif{df ;DklQsf] k'gd"{Nof+sgul/Psf] 5÷5}g, olbul/Psf] eP -c_ ;DklQsf] ljj/0f, -cf_ ;DklQsf] k"gd"{Nof+sg cl3 /
kl5sf] lstfjL d"No, -O{_ k"g d"{Nof+sgsf] cf}lrTo M ;f] gePsf] .
-P]_ cfufdL tLg jif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x?M
ljQLo ;+:yfsf] cfufdL # cfly{s jif{sf] nflu k|If]lkt ljQLo l:ylt b]xfo adf]lhd /x]sf] 5 M
jf;nft
k"“hL tyf bfloTj k|If]lkt -¿= xhf/df_
!= z]o/ k"“hL 2081-82 2080-81 2079-80
!= z]o/ k"“hL 40,000.00 40,000.00 40,000.00
@= hu]8f tyf sf]i fx? 27,101.44 16,241.52 7,844.04
#= C0fkq tyf aG8 - - -
$= ltg{ af+sL shf{ tyf ;fk6 642,755.05 540,130.30 394,255.69
%= lgIf]k bfloTj 127,114.16 95,574.56 41,554.16
^= k|:tfljt nfef+z - - -
&= cfos/ bfloTj 4,848.82 3,768.12 2,144.36
*= cGo bfloTj 2,521.73 2,213.62 1,514.02
s'n k"“hL tyf bfloTj 844,341.21 697,928.12 487,312.26
;DklQ 2081-82 2080-81 2079-80

!= gub df}Hbft 303.88 173.64 99.23
23
@= g]kfn /fi6« a}+sdf /x]sf] df}Gbft 4,725.00 3,150.00 2,100.00
#= a}+s ÷tyf ljQLo ;+:yfdf /x]sf] df}Hbft 15,460.66 7,450.68 8,052.26
$= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd - - -
%= nufgL - - -
^= shf{ ;fk6 814,262.42 678,552.02 471,272.12
&= l:y/ ;DklQ 4,523.52 4,705.12 3,524.14
*= u}/ a}+ls· ;DklQ - - -
(= cGo ;DklQ 5,065.73 3,896.65 2,264.52
s"n ;DklQ 844,341.21 697,928.12 487,312.26
gfkmf gf]S;fg lx;fj

k|If]lkt -¿= xhf/df_
ljj/0f 2081-82 2080-81 2079-80
!= Aofh cfDbfgL 61,069.68 50,891.40 35,345.41
@= Aofh vr{ 38,829.21 32,179.82 20,936.89
v'b Jofh cfDbfgL 22,240.47 18,711.58 14,408.52
$= sldzg tyf cGo ;~rfng cfDbfgL 19,863.88 16,553.23 9,458.99
%= ;6xL 36a9 cfDbfgL - - -
s'n ;~rfng cfDbfgL 42,104.36 35,264.81 23,867.51
^ sd{rf/L vr{ 15,118.32 13,774.21 12,550.85
&= cGo ;~rfng vr{ 9,185.07 7,245.69 5,341.97
*=;6xL 36a9 gf]S;fg - - -
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 17,800.96 14,244.91 5,974.69
( ;Defljt gf]S;flg Joj:yfx? 563.00 915.57 -
;~rfng d'gfkmf 17,237.97 13,329.34 5,974.69
!)= u}/ ;~rfng cfDbfgL ÷ vr{ - - -
!!=;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ - - 1,422.48
lgoldt sf/f]jf/af6 ePsf] d'gfkmf 17,237.97 13,329.34 7,397.17
!@=c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL÷vr{ - - -
;Dk'0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 17,237.97 13,329.34 7,397.17
!#=sd{rf/L af]g; Joj:yf 1,723.80 1,332.93 739.72
!$=cfos/ Joj:yf 4,654.25 3,598.92 1,997.24
–o; jif{sf] s/ Joj:yf 4,848.82 3,768.12 2,144.36
–laut jif{;Ddsf] s/ Joj:yf - - -
–o; aif{sf] :yug s/ cfDbfgL÷-vr{_ (194.57) (169.19) (147.12)
v'b gfkmf gf]S;fg 10,859.92 8,397.49 4,660.22
gfkmf gf]S;fg afF8kmfF8 lx;fj

k|If]lkt -¿= xhf/df_
ljj/0f
2081-82 2080-81 2079-80
!= ut aif{{;Ddsf] ;lr+t d'gfkmf 11,438.51 5,434.19 2,189.15
@= o; jif{sf] d'gfkmf 10,859.92 8,397.49 4,660.22
#= ;6xL 36j9 sf]if - - -
hDdf 22,298.43 13,831.68 6,849.37
!= ut jif{ ;Ddsf] ;l~rt gf]S;fg - - -
@= o; jif{sf] gf]S;fg - - -
#= ;fwf/0f hu]8f sf]i f 2,171.98 1,679.50 932.04
$= e}k/L cfpg] hu]8f sf]i f - - -
%= ;+:yf ljsf; sf]if - - -
^= nfef+z ;dLs/0f sf]if - - -
&= sd{rf/L ;DaGwL hu]8fx? - - -
*= k|:tfljt nfef+z - - -
(= k|:tfljt af]g; z]o/ - - -
24
!)= ljz]if hu]8f sf]if - - -
!!= ;6xL 36a9 sf]if - - -
!@= k"+hL lkmtf{ hu]8f sf]if - - -
!$= :yug s/ hu]8f 194.57 169.19 147.12
!#= k"+hL ;dfof]hg sf]if - - -
!$ uf{|xs ;+/If0f sf]if 108.60 83.97 46.60
!% sd{rf/L bIftf clej[l4 sf]i f 413.23 376.53 242.80
!^ ;+:yfut ;fdflhs pQ/bfloTj sf]if 108.60 83.97 46.60
hDdf 2,996.98 2,393.17 1,415.17
!% ;l~rt d'gfkmf ÷-gf]S;fg_ 19,301.45 11,438.51 5,434.19
gub k|jfx ljj/0f

k|If]l kt -? xhf/df_
ljj/0f
2081-82 2080-81 2079-80
-s_ sf/f]jf/ ;+rfngaf6 gub k|jfx 9,533.61 1,703.82 (8,449.58)
!= gub k|flKt 80,933.56 67,444.64 44,804.40
!=! Jofh cfDbfgL 61,069.68 50,891.40 35,345.41
!=@ sdLzg tyf l8isfp06 cfDbfgL 19,863.88 16,553.23 9,458.99
!=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL - - -
!=$ ckn]lvt shf{sf] c;'nL - - -
!=% cGo cfDbfgL - - -
@= gub e'QmfgL 66,900.72 55,344.09 40,202.92
@=! Aofh vr{ 38,829.21 32,179.82 20,936.89
@=@ sd{rf/L vr{ 15,118.32 13,774.21 12,550.85
@=# sfof{no ;+rfng vr{ 9,185.07 7,245.69 5,341.97
@=$ cfos/ e'QmfgL 3,768.12 2,144.36 1,373.21
@=% cGo vr{ - - -
sfo{ut k'“hL ultljlw cl3sf] gub k|jfx 14,032.85 12,100.55 4,601.48
;+rfng ;DalGw rfn' ;DklQdf sdL÷-j[l4_ (137,247.91) (209,658.41) (201,272.82)
!= dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ - - -
@= cGo cNksfnLg nufgLdf sdL -j[l4_ - - -
#= shf{ tyf laN; vl/bdf sdL÷-j[l4_ (136,273.40) (208,195.47) (202,787.80)
$= cGo ;DklQdf sdL÷-j[l4_ (974.51) (1,462.94) 1,514.98
;~rfng ;DalGw rfn' bfloTjdf -sdL_÷a[l4 132,748.67 199,261.68 188,221.76
!= lgIf]k bfloTjdf -sdL_÷j[l4 31,539.60 54,020.40 26,973.75
@= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷a[l4 - - -
#= cNksfnLg ;fk6Ldf -sdL_÷a[l4 102,624.76 145,874.61 164,368.99
$= cGo bfloTjdf -sdL_÷j[l4 (1,415.69) (633.33) (3,120.98)
-v_ nufgL sf/f]jf/df gub k|jfx 181.60 (1,180.98) (799.36)
!= bL3{sfnLg nufgLdf sdL÷-a[l4_ - - -
@= :yL/ ;DklQdf sdL÷-a[l4_ - - -
#= bL3{sfnLg nufgLdf Jofh cfDbfgL 181.60 (1,180.98) (799.36)
$= nfefz+ cfDbfgL - - -
%= cGo - - -
-u_ ljQLo >f]t sf/f]jf/af6 gub k|jfx - - 13,200.00
!= bL3{sfnLg C0f-j08,l8j]Gr/ cfbL_ df a[l4÷-sdL_ - - -
@= z]o/ k'hL“df a[l4÷-sdL_ - - 13,200.00
#= cGo bfloTjdf j[l4÷-sdL_ - - -
$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k"g/shf{df j[l4-sdL_ - - -
-3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePs]f km/saf6 cfDbfgL÷vr{ - - -
-ª_ o; aif{sf] ;Dk'0f{ ultlwaf6 gub k|jfx 9,715.21 522.84 3,951.06
-r_ gub tyf a}+sdf /x]sf] z'? Df}fHbft 10,774.32 10,251.48 6,300.42
-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 20,489.53 10,774.32 10,251.48
25
k|If]lkt ljQLo ljj/0f n3'ljQ ljQLo ;+:yf cfkm}n] tof/ kf/]sf] xf] / ;f] ljQLo ljj/0fx? lbks kf08] P08 P;f]l;P6;\sf
rf6{8{ Psfp6]0;sf rf6{8{ PsfpG6]08 >L lbks kf08] Ho"af6 k|dfl0ft ul/Psf] 5 .
n3'ljQ ljQLo ;+:yfsf] ljQLo k|If]k0fsf cfwf/x? M

k|If]lkt
ljj/0f )&(÷*) )*)÷*! )*!÷*@
s"n lgIf]kdf cf}ift a[l4b/ -k|ltztdf_ 185.00% 130.00% 33.00%
s"n shf{ tyf ;fk6df cf}ift a[l4b/ -k|ltztdf_ 75.00% 44.00% 20.00%
s"n shf{ tyf lgIf]k÷k"FhLsf]if cg'kft -k|ltztdf_ 101.71% 102.43% 101.65%
s"n cfodf cf}ift j[l4b/ 18.66% 50.53% 16.67%
s"n vr{df cf}ift j[l4b/ 12.58% 39.37% 17.70%
;+rfng vr{ tyf s"n cfDbfgL cg'kft 50.62% 41.30% 39.80%
lgIf]ksf] cf}i ft Jofhb/ -k|ltztdf_ 8.00% 8.00% 8.00%
shf{ tyf ;fk6sf] cf}ift Jofhb/ -k|ltztdf_ 15.00% 15.00% 15.00%
cfo s/ Aoj:yf -k|ltztdf_ 30% 30% 30%
lgl:qmo shf{ ;fk6 -k|ltztdf_ 0.25% 0.50% 0.50%
nufgLdf k|ltkmn - - -
cGo ;+rfng vr{sf j[l4b/ 140% 125% 125%
sd{rf/L vr{df a[l4b/ 160% 110% 110%
Ü LLP on Total Gross Loan 0.40% 0.41% 0.41%
t/ntf (CRR) 0.48% 0.50% 0.61%
shf{ :jk"FhL cg'kft 10.15% 8.29% 8.24%
cfwf/x? k|:t''t ug]{ M

 ;+rfng gfkmfsf] !) k|ltzt /sd sd{rf/L jf]g; Joj:yfsf] nfuL 5'6[ofOPsf] 5 .
 cfp+bf] jif{x?sf] nfuL a}+sn] cfh{g ug]{ gfkmfdf #) k|ltztsf] b/n] cfos/sf] nfuL Joj:yf ul/Psf] 5 .
 k|If]lkt ljQLo ljj/0fsf] cfwf/ cf=j= @)&*÷&( sf] ckis[t ljQLo ljj/0fsf cfwf/df k|If]lktul/Psf] xf] .
 ut jif{x?sf] jf:tljs cf+s8f tyf cfp+bf] jif{sf] ;+rfng of]hgfsf] cfwf/df Joj:yfkgåf/f ljQLo ljj/0f k|If]k0f
ul/Psf] xf] .
 k"FhL kof{Kttf(Capital Adequacy) sf] dfqf g]kfn /fi6« a}+sn] tf]s]sf] cg'kft cg'?k /xg] u/L k|If]k0f u/LPsf] 5 .
h; cg"?k k"FhL sf]ifsf] cg'kft cf=a= )&(÷)*), )*)÷)*! / )*!÷)*@ sf] nflu qmd; !)=)!, *=!& / *=)%
k|ltzt x'g] ul/ k|If]k0f ul/Psf] 5 .
 sd{rf/L vr{ cf=a= )&(÷)*), )*)÷)*! / )*!÷)*@ sf] nflu qmd; !^), !!) / !!) k|ltztn] a[l4 x'g] cg'dfg
ul/Psf] 5 .
 cGo ;+rfng vr{ cf=a= )&(÷)*), )*)÷)*! / )*!÷)*@ sf] nflu qmd; !$), !@% / !@% k|ltztn] a[l4 x'g]
cg'dfg ul/Psf] 5 .
 shf{sf] ;Defljt gf]S;fgLcf=a= )&(÷)*), )*)÷)*! / )*!÷)*@ sf] nfluqmd; )=$), )=$! / )=$! k|ltzt
sfod /xg] cg'dfg ul/Psf] 5 .
ljlQo k|If]k0fsf k|d'v cfwf/x?sf] cf}lrTo M
 lgIf]kdf cf}ift a[l4b/
n3'ljQ ljQLo ;+:yfsf] zfvf sfo{nox?sf] a[l4;Fu} u|fxs ;b:ox?sf] ;+Vofdf a[l4 ;lxt artdf ;d]t a[l4 x'g] ePsf]
x'gfn] cf=j= @)&(÷)*) df @*%Ü sf b/n] a[l4 x'g] k|If]k0f cf}lrTo k"0f{ /x]sf 5 . tt\kZrft qmdzM yk zfvf
sfof{nox?sf] ;+Vofdf a[l4 x'g] ePsf]n] cf=j= @)*)÷*! df @#)Ü n] / cf=j= @)*!÷*@ df !##Ü n] x'g] lgIf]k a[l4sf]
k|If]k0f oyfy{ k/s /x]sf] 5 .
 shf{ tyf ;fk6df cf}ift a[l4b/
u|fxs ;b:ox?sf] ;+Vofsf] a[l4;Fu} shf{ tyf ;fk6df klg j[l4 x'g] ePsf]n] cf=j= @)&(÷)*) df !&%Ü n] j[l4 x'g]
k|If]k0f ul/Psf] 5 . ;f]xL adf]lhd cf=j= @)*)÷*! / cf=j=@)*!÷*@ df qmdzM !$$Ü / !@)Ü n] j[l4 x'g] k|If]k0f
ul/Psf] 5 .
 s"n cfodf cf}ift j[l4
n3'ljQ ljQLo ;+:yfsf] shf{ nufgLdf j[l4 x'g] ePsfn] cf=j= @)&(÷)*) df s'n cfodf !(Ü n] j[l4 x'g] k|If]k0f ul/Psf]
xf] / cf=j= @)*)÷*! tyf cf=j= @)*!÷*@ df qmdz %!Ü / !*Ü n] j[l4 k|If]k0f ul/Psf] 5 .
 ;+rfng vr{ tyf s"n cfDbfgL cg'kft
;+rfng vr{ / s"n cfDbfgLdf ul/Psf] k|If]k0fsf] cfwf/df g} ;+rfng vr{ tyf s"n cfDbfgLsf] cg'kft k|If]k0f ul/Psf]5 .
h; cg';f/ @)&(÷)*), @)*)÷)*! / @)*!÷)*@ Dff ;+rfng vr{ tyf s"n cfDbfgL cg'kft qmdz %!, $! / $)
k|ltzt x'g] k|If]k0f ul/Psf] 5 .
 lgIf]ksf] cf}ift Aofhb/ k|ltztdf
26
ut jif{x?sf] jf:tljs cfFs8f tyf cfpFbf] jif{sf] ;+rfng of]hgfsf] cfwf/df ;+:yfsf] ljQLo k|If]k0fdf jrt stf{x?nfO{
lbO{g] Aofhsf] b/ cf=j=@)&(÷*), @)*)÷*! / cf=j= @)*!÷*@ df * k|ltzt x'g] k|If]k0f ul/Psf] 5 .
 shf{df lng] Aofhb/ k|ltztdf
ut jif{x?sf] jf:tljs cfFs8f tyf cfpFbf] jif{sf] ;+rfng of]hgfsf] cfwf/df ;+:yfsf] ljQLo k|If]k0fdf u|fxsx?af6 shf{df
lng] Jofhb/ cf=j= @)&(÷*), @)*)÷*! / cf=j= @)*!÷*@ df !% k|ltzt x'g] k|If]k0f ul/Psf] 5 .
pk/f]Qm k|If]k0fsf cfwf/x?df cGo lzif{sx?df ;f]xL adf]lhd g} kl/jt{g x'g] ePsfn] ;f]xL cg'?k g} k|If]k0f ul/Psf] 5 .
 ut jif{x?sf] jf:tljs cfFs8f tyf cfpFbf] jif{sf] ;+rfng of]hgfsf] cfwf/df n3'ljQ ljQLo ;+:yfsf] Joj:yfkg4f/f
ljQLo ljj/0f k|If]k0f ul/Psf] xf] . k"FhL kof{Kttfsf] dfqf g]kfn /fi6« a}+sn] tf]s]sf] cg'kft cg'?k /xg] u/L k|If]k0f
ul/Psf] 5 .
 cGo bfloTj cf=j= @)&(÷)*), @)*)÷)*! / cf=j= @)*!÷*@ sf] nflu qmdzM !!), !!% / !!% k|ltztn j[l4
x'g] k|If]k0f ul/Psf] 5 .
 cf=j= @)&(÷)*), @)*)÷)*! / cf=j= @)*!÷*@, df gubdf qmdz ^^, –^ / !)& k|ltztn] j[l4 x'g] k|If]k0f
ul/Psf] 5 .
 cf=j= @)&*÷)&(, @)&(÷)*) / cf=j= @)*)÷*!,df g]kfn /fi6| a}sdf qmdz !%), !%) / !%) k|ltztn] j[l4
x'g] cg'dfg ul/Psf] 5.
 gofF zfvfx?sf] ljt/0f ;Fu} u|fxs j[l4 x'g] / shf{ dfudf klg j[l4 x'g cfpg] b]lvPsf]n] , cf=j= @)&(÷*),
@)*)÷*! / cf=j= @)*!÷*@ df cGt/ a}s ;fk6L qmdzM !&@, !#& / !!( k|ltztn] j[l4 x'g] cg'dfg ul/Psf] 5 .
 ut jif{x?sf] jf:tljs cfFs8f tyf cfpFbf] jif{sf] ;+rfng of]hgfsf] cfwf/df ;+:yfsf] ljQLo k|If]k0fdf cGt/a}s af6
;fk6L /sddf nfUg] cf=j= @)&(÷)*), @)*)÷*! / cf=j= @)*!÷*@ df !! k|ltztn] x'g] k|If]k0f ul/Psf] 5 .
 ut jif{x?sf] jf:tljs cs8f cg';f/ cf=j= @)&(÷)*), @)*)÷)*! / cf=j= @)*!÷*@ Shf{ afx]s cGo ;|f]t
af6 cfdbfgL @ k|ltztn] x'g] cg'dfg ul/Psf] 5 .
 cf=j= @)&(÷*), @)*)÷*! / @)*!÷*@ Df cGo ;DklQ qmdz !!&, !@) / !@) k|ltztn] j[l4 x'g] cg'dfg
ul/Psf] 5 .
 cfOlkof] lg:sf;g eP ;u}F ;:yfsf] z]o/ k"FhLdf !,#@,)),))) n] j[l4 x'g] ePsf] 5 .
 cf=j= @)&(÷*), @)*)÷)*! / @)*!÷*@ Dff gof zfvfx?sf] :ykgf ;u}+ :yfkgfsf] nflu nfUg] vr qmdz{
^),)),))), #),)),))) ? #),)),))) x'g] cg'dfg ul/Psf] 5 . pQm vr{nfO{ cfOlkof] lgisfZfgn] 6]jf k'Kofpg] 5 .
v= ljQLo cg'kft ;DaGwL ljj/0f M

c_ ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt 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 .
n3'ljQ ljQLo ;+:yfsf] jf:tljs tyf k|If]lkt OlkP; / g]6jy{ k|lt z]o/ b]xfoadf]lhd 5 M
ljj/0f ckl/s[t cfiff9
jf:tljs -¿=xhf/df_ k|If]lkt -¿=xhf/df_
@)&( ljj/0f
)&^÷)&& )&&÷)&* )&*÷)&( )&(÷*) )*)÷*! )*!÷*@
z]o/k"FhL 26800.00 26800.00 26800.00 40000.00 40000.00 40000.00
k|:tfljt af]gz z]o/
hu]8f tyf sf]ifx? 8.12 291.75 3183.82 7,844.04 16,241.52 27,101.44
hDdf 26808.12 27091.75 29983.82 47844.04 56241.52 67101.44
36fpg] M u|fxs ;+/If0f sf]if tyf 0.00 5.82 57.84 93.20 167.95 217.20
;+:yfut ;fdflhs pQ/bfloTj
sf]if
s'n g]6 jf]y{ 26808.12 27085.93 29925.98 47750.84 56073.58 66884.25
Zf]o/ ;+Vof -xhf/df_ 268.00 268.00 268.00 400.00 400.00 400.00
k|ltz]o/ cfDbfgL -¿=_ 0.003 1.09 10.79 11.65 20.99 27.15
k|ltz]o/ g]6jf]y{ -¿=_ 100.03 101.07 111.66 119.38 140.18 167.21
k|ltz]o/ r'Qmfk"FhL -¿=_ 100.00 100.00 100.00 100.00 100.00 100.00
g]6jf]y{df cf};t k|ltkmn -Ü_ 0.03 1.07 11.66 19.38 40.18 67.21
lgisfzg k"j{sf] k|ltz]o/ cfDbfgL
-k|ltzt_ sfod /fVg j[l4 x'g] 54=21
g]6jy{df cfjZos Go'gtd k|ltkmn
cf_ ljut # jif{sf] g]6jy{df ePsf] cf}ift k|ltkmn M !@=&^ k|ltzt
27
u= !)= lwtf]kq lgisfzg ;DaGwL ljj/0f M
s= lwtf]kq hf/L ug'{sf] p2]Zo M
!_ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cg'?k slDtdf #)Ü z]o/ ;j{;fwf/0fdf laqmL ug'{ kg]{ ePsf] / ;f]xL adf]lhd
n3'ljQ ljQLo ;+:yfsf] k|jGw–kqdf hf/L k"FhLsf] ##Ü z]o/ ;j{;fwf/0fdf laqmL ug'{ kg]{ k|fjwfg cg'?k
?=!,#@,)),)))÷– z]o/ kF"hL ;j{;fwf/0f g]kfnL gful/sx? -sd{rf/L / ;fd'lxs nufgL sf]if ;d]t_ nfO{ laqmL ljt/0f u/L
n3'ljQ ljQLo ;+:yfsf] hf/L k"FhL ?=$,)),)),)))÷– k'¥ofpg .
@_ n3'ljQ ljQLo ;+:yfn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pjd\ cfly{s ult ljlwx?nfO{ lj:tf/ ug{
cfjZos kg]{ k"FhLsf] Joj:yf ug{ .
#_ ljQLo ;+:yfsf] k|jGw–kq tyf lgodfjnLdf pNn]v ul/Psf p2]Zox? cg'?k ug'{kg]{ sfo{x?sf] nflu cfjZos kg]{ k"FhL
;+sng ug{ .
v= lwtf]kq lgisfzgaf6 k|fKt k"FhLsf] pkof]u M
-c_ lgisfzgaf6 k|fKt x'g] s"n /sdnfO{ k|of]u ug]{ tl/sf / If]q ;DaGwL ljj/0f M
lgisfzgaf6 k|fKt x'g] s'n /sd?= !,#@,)),)))÷– tn pNn]lvt ljleGg If]qx?df k|of]u x'g]5 M
l;=g++ ljj/0f /sd -?_ s}lkmot
! ef}lts k""jf{wf/ tyf zfvf lj:tf/ !@,)),)))
@ shf{ ;fk6 lj:tf/ shf{ !,@),)),)))
hDdf !,#@,)),)))
-cf_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|flKt ug{sf] nflu ckgfOg]
j}slNks Joj:yfM ljutdf cGo a}+s tyf ljQLo ;+:yfx?n] ;j{;fwf/0fdf z]o/ lgisfzg ubf{ lgisflzt z]o/x? k"0f{
?kdf cfj]bg k|fKtx'g] b]lvPsf]n] o; n3'ljQ ljQLo ;+:yfsf] lgisflzt z]o/x? klg k"0f{ ?kdf laqmL x'g] n3'ljQ ljQLo
;+:yfsf] wf/0ff /x]sf] 5 . sy+s bflrt lgisfzg ul/g] ;fwf/0f z]o/x? k"0f{?kdf laqmL gePdf, >L d'lQmgfy Soflk6n
lnld6]8n] lgisfzg /sdsf] ztk|ltzt z]o/ cfkm}+n] v/Lb ug]{ k|Tofe"lt ;D´f}tf ul/Psf] 5 .
-O_ 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 M ;f] gePsf] .
-O{_ cfof]hgf ;DkGg x'g], kl/If0f pTkfbg z'? x'g] / k"0f{ Joj;flos pTkfbg z'? x'g] cg'dflgt ldlt M ;f] gePsf] .
-p_ ;+ul7t ;+:yfn] s'g} pks/0f v/Lb u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"Nojf k|:tfljt d"No, ;Knfo;{sf] gfd /
;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d"Vo d"Vo a'Fbfx?M M ;f] gePsf] .
-pm_ s'g} kf6L{;Fu k|ltlnkL 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 ;f] gePsf] .
-P_ pTkfbg ;DaGwL cfof]hgf eP, ;f] sf] k|s[lt, k|of]u stf{, 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] .
-P]_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M ;f] gePsf] .
-cf]_ cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M ;f] gePsf] .
-cf}_ ;fj{hlgs lgisfzgsf nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Nsx? ;DaGwL ljj/0f M
-!_ lgisfzg tyf laqmL k|jGws M
o; ljj/0f kq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fdf laqmL ul/g] ;fwf/0f z]o/sf] lgisfzg tyf laqmL k|jGws ;DaGwL
sfo{sf nflu lgo'Qm >L k|e' Soflk6n lnld6]8, sdnfbL sf7df8f}n + fO{ pQm ;]jf k|bfg u/] jfkt Psd'i7 ?=!,)),)))÷–
-Ps nfv ?k}+of_ e'QmfgL lbOg]5 .
-@_ 6«li6 -l8j]Gr/ lgisfzgsf] xsdf_ M ;f] gePsf] .
-#_ k|Tofe"lt stf{ M k|Tofe"tL stf{ >L d'lQmgfy Soflk6n lnld6]8, sdnfbL sf7df8f}+nfO{{ k|Tofe'lt ;]jf k|bfg u/] jfkt
?=%)))) -krf; xhf/ ?k}of_ cfjZos s/ s6\6L u/L sldzgsf] ?kdf lbOg]5 .
-$_ lj1x? M ;f] gePsf] .
-%_ n]vfkl/Ifs M
ljQLo ;+:yfsf] cf=a=)&&÷)&* sf] n]vfkl/If0f ;DaGwL sfo{ a:ofn P08 P;f]l;P6\;sf rf6{8{ PsfpG6]06 >L /fs]z >L;n]
ug'{ ePsf] xf] . pQm n]vfkl/If0fsf] sfo{ ug{sf nflu ;]jf z'Ns afkt Eof6 ;lxt ?=!,!#,))) -Ps nfv t]x| xhf/ ?k}+of_
k|bfg u/]sf] 5 .
-^_ cGo -h:t} ;+sng s]Gb|, lgisfzg a}+s cflb_ M cf:jf÷l;cf:jf ;b:o a}+s tyf ljlQo ;+:yfx? ;+sng s]Gb|sf] ?kdf
/xg] 5g\ .
u= ;fj{hlgs lgisfzgaf6 k|fKt /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 lk|ldod yk gul/Psf]] .
ª= lwtf]kqsf] afF8kmfF8, lkmtf{ e'QmfgL tyf ;"rLs/0f ;DaGwL Joj:yf M
-!_ cToflws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmfF8sf] k|ls|of M
28
o; ljj/0f kq dfkm{t hf/L ul/Psf] ;fwf/0f z]o/ ;+VofeGbf a9L ;+Vofdf ;fwf/0f z]o/ vl/bsf] nflu b/vf:t k|fKt x'g
cfPdf g]kfn lwtf]kqaf]8{sf] k|rlntælwtf]kq lgisfzg tyf aFf8kmFf6 lgb]{lzsf, @)&$Æ df ePsf] Aoj:yf cg';f/ ;fwf/0f
z]o/x? afF8kmFf8 ul/g] 5 / z]o/ afF8kmfF8 ;DaGwL ;"rgf /fli6«o :t/sf] b}lgs klqsfdf k|sflzt ul/g]5 .
!= z]o/ afF8kmfF6 ubf{ ;a{k|yd ;a} cfj]bsnfO{ bz lsQfsf] b/n] afF8kmfF8 ul/g] 5 .
@= a'Fbf -!_ adf]lhd afF8kmfF8 u/] kZrft afFsL /x]sf] lgisflzt z]o/ aL; jf ;f] eGbf a9L lsQf cfj]bg ug]{
cfj]bsx?nfO{ k'gM bzlsQfsf] b/n] afF8kmfF8 ul/g] 5 .
#= a'Fbf -@_ adf]lhd z]o/ afF8kmfF8sf] k|s[of ;DkGg ePkZrft\ lwtf]kq afFsL ePdf ;f]lx k|s[of ckgfO{ afF8kmfF8 ul/g] 5 .
$= pk/f]Qmfg';f/ z]o/ afF8kmfF6 ubf{ !) lsQfsf b/n] ;a} cfj]bsx?nfO{ afF8kmfF8 ug{ ck'u x'g] cj:yfdf Go"gtd bz
lsQf kfpg] ul/ uf]nf k|yfaf6 cfj]bs 5gf}6 ul/ ul/g]5 .
%= z]o/ afF8kmfF8 ;km\6j]o/ tyf afF8kmfF8 tflnsfsf ;DaGwdf af]8{sf] ;xdlt lnO{g]5 .
^= z]o/ afF8kmfF8sf] hfgsf/L afF8kmfF8 u/]sf] ef]nLkN6 ;Dddf af]8{, lwtf]kq ahf/ tyf ;j{;fwf/0f nfO{ hfgsf/L u/fOg]
5.
-@_ cToflws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DjGwL Joj:yf M
z]o/ ljs|L aGb ePsf] ldltn] g]kfn lwtf]kqaf]8{n] tf]s]sf] ;dofjlw leq z]o/ afF8kmfF8 ul/ k"0f{ jf cf+lzs ?kdf
:jLs[t÷c:jLs[t ePsf] Joxf]/f pNn]v ul/ lwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DalGw lgb]{lzsf, @)&# sf] cg';"rL &
adf]lhdsf] ljj/0f ;DaGwL l; cf:af -C-ASBA) ;b:o a}+s tyf ljQLo ;:+yfx?nfO{ pknAw u/fOg] 5 / ;f]xL ljj/0f
cg'?k l; cf:af -C-ASBA) ;b:o a}+s tyf ljQLo ;:+yfx?n] afF8kmfF8df gk/]sf] z]o/ afktsf] /sd ;DalGwt
cfj]bsx?sf] /.]Ssf /x]sf] a}+s vftf km's'jf ul/ lkmtf{ ul/lbg]5 .
-#_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Jofhb/ M
lwtf]kq vl/b - ;fj{hlgs lgisfzg_ ;DalGw lgb]{lzsf, @)&# k"0f{ ?kdf nfu' eO;s]sf] ;Gbe{df of] Joj:yf nfu' gx'g] .
-$_ lwtf]kq afF8kmFf8 tyf k|df0fkq hf/L ;DjGwL k|s[of / ;dofjlw M
o; ljj/0f kq cg';f/ hf/L ul/Psf] ;fwf/0f z]o/x? 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 cjlw leq afF8kmfF8af6 sfod ePsf z]o/wgLx?nfO{ lghx?n] cfj]bgdf pNn]v
u/]sf] lxtu|fxL vftfdf z]o/sf] ;"lrs/0f eP kZrft ;f]em} hDdf ug]{ Joj:yf ul/g]5 .
-%_ 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 xfn ;Dd ;"rLs/0f eO{ g;s]sf] .
-^_ lwtf]kq ;"rLs/0f eO{ 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
xfn ;Dd ;"lrs/0f eO{ g;s]sf] x'Fbf o; z]o/sf] afF8kmfF8 kZrft g]kfn :6s PS;r]~h lnld6]8 tyf l;l8P; P08
lSnol/Ë lnld6]8sf] lgodfg';f/ z]o/sf] ;"lrs/0f u/fO{ lwtf]kqsf] sf/f]af/ ug]{ Joj:yf ldnfO{g]5 .
r= k|Tofe"lt ;DaGwL ljj/0fM
-s_ lwtf]kq k|Tofe"lt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|T ofe"lt ug]{ lwtf]kqsf] ;+Vof / /sd
o; ljj/0f kq dfkm{t ;j{;fwf/0fdf lgisfzg ug{ nfluPsf] !,#@,))) lsQf ;fwf/0f z]o/sf] nflu ? !,#@,)),)))÷– /sd
cyf{t ztk|ltzt /sd >L d'lQmgfy Soflk6n lnld6]8, xfQL;f/ dfu{ sdnfbL sf7df08f}å+ f/f k|Tofe"lt ;]jf k|bfg ul/Psf]
5.
-v_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo a"Fbfx?
o; ljj/0f kq dfkm{t lgisfzg ug{ nfluPsf] lwtf]kqsf] k|Tofe"ltstf{;Fu d'Vo a'Fbfx? b]xfo adf]lhd /x]sf] 5 .
c_ k|Tofe"ltstf{n] !,#@,))) lsQfn] x'g cfpg] /sd ?= !,#@,)),)))÷– a/fa/sf] nflu k|Tofe"lt ;]jf k|bfg u/]sf]5 .
cf_ k|Tofe"ltstf{nfO{ k|Tofe"lt ;]jf k|bfg u/] jfkt n3'ljQ ljQLo ;+:yfn] ?= %),)))÷– df s/ s6\6L u/L sldzgsf]
?kdf lbOg]5 .
O_ o; ljj/0f kq cg';f/ hf/L ul/g] ;fwf/0f z]o/x?df k|Tofe"ltstf{x?sf] bfloTj k|Tofe"ltt lsQf z]o/x?df dfq ;Lldt
x'g]5 .
O{_ o; ljj/0f kq cg';f/ hf/L ul/g] ;fwf/0f z]o/x? k"0f{ ?kdf laqmL gePdf dfly pNn]lvt k|Tofe"ltt lsQf z]o/x?df
;Lldtx'g] u/L v/Lb ug]{ ;xdtL hgfPsf]5 .
p_ o; ;Demf}tf kqsf] cjlw ;Demf}tf kqdf x:tfIf/ ePsf] ldltn] ! jif{ ;Dd /xg]5 .
pm_ o; ljj/0f kq cg';f/ hf/L ul/g] ;fwf/0f z]o/x? k"0f{ ?kdf laqmLePsf] hfgsf/L kZrft ;Demf}tf kq :jtM vf/]h
x'g]5 .
P_ o; ;Demf}tfsf] AofVofdf jf sfof{Gjogdf dt leGgtf ePdf jf ljjfb pTkGg ePdf ;a} kIfsf] ;xsfo{df ljjfb lg/f]k0f
ul/g]5 . ;f] af6 ljjfb lg/f]k0f gePdf ;a} kIfn] Ps Ps hgf dWo:y stf{ lgo'Qm ug]{5g . o;/L lgo'Qm dWo:ystf{sf]
;xdtLDff d'Vo dWo:ystf{ sf] lgo'lqm u/Lg]5 / dWo:ystf{åf/f ul/Psf] lg0f{o ;a}kIfnfO{ dfGo x'g]5 .
5= cfj]bg lb+bf Wofg lbg'kg]{ s'/fx? M
-s_ lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/, lwtf]kqjfnfsf] clwsf/df
kl/jt{g ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DjGwL ljj/0f M
lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, lwtf]kqjfnfsf] clwsf/df kl/jt{g ug{ k|s[of tyf
lwtf]kq vf/]hL cflb ;DaGwL Joj:yf k|rlnt sfg"g adf]lhd x'g]5÷ul/g]5 ;fy}, nfef+z, xsk|b z]o/ cflb ;DaGwL ljj/0f
29
n3'ljQ ljQLo ;+:yfn] lgoldt ?kdf cfh{g ug]{ d'gfkmf, tyf n3'ljQ ljQLo ;+:yfsf] k"FhL of]hgf cg';f/ k|rlnt sfg"g
adf]lhd ul/g]5 .
-v_ lgodfjnL, k|jGwkq k|fKt ug]{ jf x]g{ ;lsg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof / ;f] eGbf dfly lng]
ePdf s'g u'0ff‹df lng ;lsg] xf] ;f] ;DaGwL ljj/0f M
!= ljQLo ;+:yfsf] k|jGw—kq tyf lgodfjnL ljQLo ;+:yfsf] /lhi68{ -s]Gb|Lo_ sfof{no s}nfnL lhNnf uf]bfj/L gu/kflnsf
–!, uf]bfj/Ldf / o; lgisfzg sfo{sf nflu lgo'Qm lwtf]kq lgisfzg tyf laqmL k|aGws >L k|e' Soflk6n lnld6]8,
sdnfbL, sf7df08f}+}df sfof{no ;do leq ;Dks{ /fvL x]g{ jf k|fKt ug{ ;lsg]5 .
@= o; ljj/0f kq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/sf] vl/bsf nflu b/vf:t lb+bf b/vf:t jfnfn] Go"gtd !) -bz_
lsQf ;fwf/0f z]o/sf] nflu b/vf:t lbg' kg]{5 . olb b/vf:t jfnfn] !) -bz_ lsQfeGbf a9L ;fwf/0f z]o/ vl/b ug{sf
nflu b/vf:t lbg rfx]df !) -bz_ cÍsf] u'0ffÍdf clwstd !,#@) lsQf ;fwf/0f z]o/ vl/b ug{sf nflu b/vf:t lbg
;Sg]5 .
#= o; ljj/0f kq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/ vl/b ug{sf nflu b/vf:t lb+bf b/vf:t jfnfn] b/vf:t ;fy cfkm"n]
v/Lb ug{ rfx]sf] lwtf]kq ;+Vofsf] k|ltlwtf]kq ?=!)).— -Ps ;o_ sf b/n] x'g cfpg] Psd'i7 /sd g]kfn lwtf]kq
af]8{af6 Ohfht kq k|fKt l;–cf:jf - C-ASBA_ ;b:o a}+s tyf ljQLo ;+:Yffdf hDdf u/L cfj]bg lbg ;Sg]5 .
-u_ cfj]bg lb+bf kfng ug{'kg]{ zt{ aGb]hx? h:t} Ps eGbf a9L b/vf:t lbg gkfOg], nufgL stf{sf] klxrfgsf] nflu
gful/stf÷hGd btf{sf] k|dfl0ft k|df0fkqsf] k|ltlnlk k]z ug{'kg]{ jf lwtf]kq bnfn Joj;foLn] lbPsf] u|fxs kl/rokq /
;DjlGwt Joj;foLsf] gfd v'nfpg' kg]{ / a}+s vftf dfkm{t sf/f]jf/ ul/g' kg]{ h:Tff kIfx? M
g]kfnL gful/sn] o; ljj/0f kq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/ vl/bsf nflu cfj]bg lb+bf lgDd adf]lhdsf k|s[of
tyf zt{x? k'/f u/]sf] x'g'kg]{5 .
!= cfj]bsn] l;–cf:jf k|0ffnLaf6 cfkm\gf] vftf /x]sf] ;DalGwt a}+s tyf ljQLo ;+:Yff dfkm{t dfq cfj]bg lbg'kg]{5
@= cf:jf k|0ffnL cGtu{tsf] cfj]bg lbFbf lwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#, cg';"rL $ sf]
;Dk"0f{ ljj/0fx? :ki6 ?kdf v'nfpg' kg]{ -h:t}M l8kL cfO{8L/ SnfOG6 cfO{8L, vftf g+=, gfd, y/, 7]ufgf, ;Dks{ g+=
gful/stf g+=, lwtf]kq lgisfzg sDkgLsf] gfd, v/Lb ug{ rfx]sf] lwtf]kqsf] ;+Vof, v/Lb ug{ rfx]sf] lwtf]kqsf] /sd
cflb_ .
#= cfj]bsn] cfj]bg lbg'k"j{ cfkm\gf] vftf /x]sf] ;DalGwt a}+s tyf ljQLo ;+:yfdf uO{ ælwtf]kqsf] ;fj{hlgs lgisfzgsf]
s]Gb|Ls[t ljB'tLo ;]jf sfo{ ;~rfng lgb]{lzsf, @)&$Æ sf] cg';"rL $ adf]lhdsf] l;–cf:jf /lhi6«]zg kmf/fd e/L
CRN g+= lng'kg]{5 .
$= cfj]bssf] a}+s vftfdf ePsf] ljj/0f / cg';"rL $ df ePsf] ljj/0f ldNg' kg]{5 .
%= cfj]bsn] CRN g+= k|fKt u/] kZrft z]o/ vl/bsf nflu tf]lsPsf] 9fFrfdf ;DalGwt a}+s tyf ljQLo ;+:yfdf lwtf]kq
vl/bsf nflu cfj]bg lbg' kg]{5 .
^= cfj]bsn] cfj]bgdf pNn]v u/]sf] lxtu|fxL kl/ro g+= cGo ljj/0f l;–cf:jf ;km\6j]o/df /x]sf] cfj]bssf] lxtu|fxL
vftf / cGo ljj/0f;Fu ?h' x'g' kg]{5 .
&= cfj]bsn] cfj]bg kmf/fd a'emfpFbf b]xfosf s'/fx?df ljz]if WofglbO{ :ki6;Fu cfj]bg kmf/fd e/L a'emfpg' kg]{5
s= lwtf]kq lgisfzg stf{ sDkgLsf] gfd .
v_ cfj]bssf] gfd, y/, 7]ufgf, gful/stf g+=, b:tvt, ;Dks{ kmf]g g++= / O{d]n .
u_ gfafns / ljlIfKt JolQmsf] xsdf ;+/Ifssf] gfd, y/ / gftf .
3_ vl/b ug{ rfx]sf] lwtf]kqsf] ;+Vof -c+s / cIf/df_
ª_ vl/b ug{ rfx]sf] lwtf]kq jfktsf] /sd -c+s / cIf/df_
r_ cfj]bssf] vftf /x]sf] a}+ssf] gfd, 7]ufgf, vftf g++= / vftfsf] lsl;d .
5_ cfj]bssf] lxtu|fxL -l8Dof6_ vftfgDa/
*= cfj]bsn] cfj]bg lb+bf l;–cf:jf ;b:o a}+s tyf ljQLo ;+:yfx?df /x]sf] cfj]bg jfktsf] /sd /f]Ssf /flvg] vftf
cGo s'g} k|sf/n] /f]Ssf /x]sf] jf lglis[o /x]sf] x'g' x'Fb}g .
(= cfj]bg lbPsf] /sd a/fa/sf] /sd a}+s vftfdf x'g'kg]{5 .
!)= Ps JolQmn] cfkm"n] v/Lb ug{ rfx]sf] ;fwf/0f z]o/sf] nflu Ps eGbf al9 b/vf:t lbg kfOg]5}g . olb Ps JolQmsf]
gfddf Ps eGbf al9 cfj]bg k|fKtx'g cfPdf ;Dk"0f{ b/vf:tnfO{ /2 ul/g]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 jfktsf] /sd e'QmfgL
gx'Fb} k|rlnt sfg'g adf]lhd clwsf/ k|fKt clwsf/L jf lgsfoaf6 nufgL stf{sf] vftf /f]Ssf /fVg] cfb]z k|fKt ePdf
lgisfzg tyf ljqmL k|aGwsn] To:tf] b/vf:t kmf/fdnfO{ cfb]z adf]lhd ul/g]5 .
!@= lwtf]kq afF8kmfF6 ug'{k"j{ clVtof/ k|fKt lgsfoaf6 s'g} nufgL stf{sf] vftf /f]Ssf /fVg cfb]z jf lgb]{zg k|fKt ePdf
;DalGwt a}+s tyf ljQLo ;+:yfn] To:tf] cfb]z jf lgb]{zg cg';f/ ;DalGwt nufgL stf{sf] vftf /f]Ssf u/L To;sf]
hfgsf/L t'?Gt lgisfzg tyf laqmL k|aGwsnfO{ lbg' kg]{5 .
!#= l;l8P; P08 lSnol/Ë ln=af6 pknAw u/fOPsf] æd]/f] ;]o/Æ ;km\6j]o/af6 klg cfj]bsn] cfj]bg lbg ;Sg]5g\ . To;sf
nflu cfj]bsn] cfkm\gf] lxtu|fxL vftfdf a}+s vftfsf] ljj/0f pNn]v ul/;s]sf] x'g' kg]{5 / ;DalGwt a}+s tyf ljQLo
;+:yfaf6 CRN g+= lnO;s]sf] x'g'kg]{5 .
!$= l/tk"j{s k|fKt gePsf] b/vf:t kmf/fdnfO{ ;fwf/0f z]o/ afF8kmfF6df ;dfj]z ul/g] 5}g / ;f] sf] lhDd]jf/ cfj]bs /
;DalGwt l;–cf:jf ;b:o a}+s tyf ljQLo ;+:yf :jo+ x'g'kg]{5 .
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!%= z]o/ afF8kmfF6 ul/ ;"rLs/0f kZrft afF8kmfF6df k/sf cfj]bsx?nfO{ afF8kmfF6df k/]sf] z]o/ lghx?sf] lxtu|fxL vftfdf
hDdf ug]{ Joj:yf ul/g]5 .
!^= ?= % nfv ;Ddsf] nflu cfj]bg lbg] cfj]bsn] :j]lR5s ?kdf / ;f] eGbf al9 /sdsf] nflu cfj]bg lbg] cfj]bsn]
clgjfo{ ?kdf Kofg gDa/ b/vf:t kmf/fddf v'nfpg' kg]{5 .
u= !!= ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M

ljQLo ;+: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] ;+:yf;Fusf] ;DaGw, sf/f]jf/sf] k|s[lt / /sd ;DaGwL ljj/0fM
s= ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfnssf] ?kdf /x]sf] JolQm M ;f] gePsf] .
v= cfwf/e"t z]o/wgL M ;f] gePsf] .
u= v08 -s_ / -v_ df pNn]lvt s'g} JolQmsf] Psf3/ kl/jf/sf] ;b:o M ;f] 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 ;+:yf M ;f] gePsf] .
ª= ;+ul7t ;+:yfsf] jf o;sf] ;xfos sDkgLn] xfnsf] ;~rfns jf lghsf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]af/
jf ;Demf}tf u/]sf] 5 eg] ;f] jf ljj/0f kq k|sfzg ug'{ eGbf # jif{ cufl8sf] cjlwdf ljQLo ;+: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 gePsf] .
r= s'g} ;~rfns jf ;~rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP pQm C0f ;DaGwL
lj:t[t ljj/0f h:t} C0f afkt lnPsf] /sd, C0fsf] Jofhb/, C0f lnPsf] ldlt, C0f e'QmfgL cjlw cflb ljj/0f M ;f]
gePsf] .
u= !@= ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f M ;f] gePsf] .
u= !#= ;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] ;DaGwL ljj/0f M
s= ;+ul7t ;+:yfsf] ljut # cfly{s jif{sf] q}dfl;s cjlwsf] pRrtd, Go"gtd, clGtd ahf/ d"Nosf ;fy} sf/f]af/ ePsf] z]o/
;+Vof M ;f] gePsf] .
v= af]8{df ljj/0f kq 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]af/ ePsf] s'n lbg / s'n sf/f]af/ ePsf] lwtf]kqsf] ;+Vof M ;f] gePsf] .
u=!$= kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyfp knAwL ;DaGwL ljj/0f M ;f] gePsf] .
u=!%= 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]l kt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1 cflbsf] gfd
tyf 7]ufgf
-c_ n]vfk/LIfs M
ljQLo ;+:yfsf] cf=j=@)&&÷)&* sf] cfDbfgL vr{ lx;fa tyf jf;nftsf] n]vfk/LIf0f >L a:ofn P08 P;f]l;P6;\n] ug'{
ePsf] 5 .
-cf_ lgisfzg a}+s (Bankers to the Issue)M
o; ljj/0f kq dfkm{t lgisflzt ;fwf/0f z]o/x?sf] nflu lgisfzg a}+s (Banker to the Issue) sf] ?kdf
k|e' a}+s lnld6]8, sf7df8f}+nfO{ tf]lsPsf] 5 .
-O_ ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1 M
o; ljj/0f kqdf pNn]v ul/Psf] ljQLo ljj/0f tof/ kfg]{ lj1df ljQLo ;+:yf cfkm} /x]sf] 5 .
-O{_ 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/0f kqdf 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]if1df
lbks kf08] P08 P;f]l;P6;\sf rf6{8{ Psfp6]0;sf rf6{8{ PsfpG6]08 >L lbks kf08] Ho" /xg' ePsf] 5 .
v= dfly v08 s= df pNn]lvt ;+:yf jf JolQm;Fu ePsf] ;xdltsf d'Vo d'Vo a"Fbf tyf zt{x?M
-c_ n]vfk/LIfs M ;f] gePsf] .
-cf_ lgisfzg a}+s (Bankers to the Issue) M
cf:jf k|0ffnL nfu" ePsf]n] lwtf]kq afF8kmfF8 kZrft afF8kmfF8df k/]sf] lwtf]kq jfktsf] /sd ;DalGwt cf:jf ;b:o a}+s
tyf ljQLo ;+:yfx?n] lgisfzg k|aGwsaf6 hfgsf/L k|fKt u/]sf] ldltn] # sfo{ lbg leq pQm /sd lgisfzg k|aGwssf]
vftfdf x:tfGt/0f ul/ lbg' kg]{5 . ;fy} lwtf]kq afF8kmfF8df gk/]sf cfj]bsx?sf] xsdf ;d]t lgisfzg k|aGwsaf6
hfgsf/L k|fKt ePsf] # sfo{ lbg leq ;DalGwt cfj]bsx?sf] vftf km's'jf ul/lbg' kg]{5 .
u=!^=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] .
u=!&=d'2f tyf ljjfb ;DaGwL ljj/0f M
s= ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;+rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2f dfldnf 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 ;f] gePsf] .
v= ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;~rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL ljj/0f M ;f] gePsf] .
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u= 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] eP, To:tf] ;+:yfks÷;~rfnssf] gfd / ;hfo ug]{ lgodg lgsfo jf
cbfntsf] gfd ;DaGwL ljj/0f M ;f] gePsf] .
3= ;+ul7t ;+:yf a}+s jf ljQLo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf], lwtf]kq jfnfx?sf] s'g}
/sd e'QmfgL gul/Psf] eP tT;DaGwL ljj/0f M ;f] gePsf] .
u=!*= u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[ofM
lgisflzt lwtf]kq ;DaGwL nufgL stf{x?sf] u'gf;f] tyf ;'emfj ;'Gg tyf ;f] sf] ;dfwfgsf nflu lwtf]kq lgisfzg tyf
laqmL k|jGws k|e' Soflk6n lnld6]8, gS;fn, sf7df8f}+df Pp6f 5'§} sIfsf] Joj:yf ul/Psf] x'Fbf txfF ;Dks{ ug{ ;lsg]5 .
s'g} klg nufgL stf{n] o; lgiisfzg ;DalGwt laifodf s'g} u'gf;f] jf ;'emfjsf nfuL ;Dks{ clwsf/L >L /fdx/L vqLnfO{
lghs} sfof{nodf jf lghnfO{ sfof{no ;do leq )!–$!^(!)), PS;6]G;g g++= #)$ df ;Dks{ ug{ ;lsg]5 .
u=!(= gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, v/Lb ul/Psf] ;DklQ jf ;]jf ;DaGwL
ljj/0f, lgisfzg ul/Psf] lwtf]kqsf] ;+Vof / b/ ;DaGwL ljj/0f M ;f] gePsf] .
u=@)= C0fkq lgisfzg ;DaGwL ljj/0f M
xfn;Dd ljQLo ;+:yfn] C0fkq lgisfzg u/]sf] 5}g / of] ;fwf/0f z]o/ lgisfzg ;j{;fwf/0fsf nflu dfq xf] .
u=@!= cu|flwsf/ z]o/ lgisfzg ;DaGwL Joj:yf M cu|flwsf/ z]o/ hf/L ul/Psf] 5}g .
u=@@= cGo ;fdfGo hfgsf/L M
s= ljz]if1sf] s'g} /fo ePdf, ;f]sf] ljj/0f M
o; ljj/0fkqdf pNn]lvt ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf] n3'ljQ ahf/s]f l:ylt, lgisfzgstf{
sDkgLsf] xfnsf] bIftf / lgisfzgstf{ sDkgLn] k|fKt u/]sf] xfn;Ddsf] sfo{ k|ultsf] cfwf/df k'g/fjnf]sg ul/ ljj/0f 7Ls
5 egL lbks kf08] P08 P;f]l;P6\;sf rf6{8 Psfp6]06 >L lbks kf08]n] k|dfl0ft ug'{ePsf] 5 .
-v_= ut tLg cfly{s jif{ leqdf s'g} ;~rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f] sf] sf/0f M 5}g .
-u_= sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M
gfd M ;'/]z axfb'/ ad
7]ufgf M wgu9L j8f g+= ! s}nfnL
of]Uotf M :gftsf]Q/=
-3_= ;fj{hlgs lgisfzg ug{sf nflu ;~rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M
g]kfn /fi6« a}+ssf] lgb]{zgsf] kl/lw leq /xg] u/L o; ljQLo ;+:yfsf] ldlt @)&* kf}if @$ ut] ;DkGg ePsf] bf];|f] ;fwf/0f
;efsf] lg0f{o adf]lhd ljQLo ;+:yfn] ;j{;fwf/0f, sd{rf/L tyf ;fd'lxs nufgL sf]ifnfO{ 5'§fPsf] !,#@,))) lsQf z]o/x?
;fj{hlgs lgisfzg ug]{ ;DaGwdf ;~rfns ;ldltsf] ldlt @)&* d+l;/ @^ ut]sf] lg0f{oaf6 >L k|e' Soflk6n,
sf7df8f}+nfO{ ljqmL k|aGws lgo'Qm ul/Psf]df pQm z]o/ lgisfzg ug]{ ;Gbe{df g]kfn lwtf]kqaf]8{, g]kfn :6s PS;r]Gh
lnld6]8 tyf cGo lgodgsf/L lgsfox?df btf{ ug{] k|of]hgsf] nflu b]xfo adf]lhd ug]{ u/fpg] lg0f{o ul/of] .
!= g]kfn lwtf]kq af]8{df lwtf]kq btf{ u/fpg] ;DaGwdf
o; vKt8 n3'ljQ ljQLo ;+:yf lnld6]8n] ;j{;fwf/0f -sd{rf/L ;d]t_ nfO{ hf/L ug{ nfu]sf] !,#@,))) lsQf lwtf]kqsf
nflu ljQLo ;+:yfn] pknAw u/fPsf] ljj/0f tyf ;"rgfx?sf] cfwf/df lgisfzg tyf laqmL k|jGwsaf6 tof/ u/L k|fKt x'g
cfPsf] ljj/0f kq pk/ ;ldltdf lj:t[t cWoog tyf 5nkmn eO{ pQm ljj/0f kqnfO{ o; ;ldltaf6 g]kfn lwtf]kq af]8{df
k]z ug{sf nflu :jLs[t ug]{ lg0f{o eof] . ;fy}, lgisfzg ul/g] lwtf]kq tyf ;+:yfks ;d"xsf] lwtf]kq ;d]t u/L s'n
$,)),))) lsQf lwtf]kq g]kfn lwtf]kq af]8{df btf{sf nflu k]z ug]{ lg0f{o ul/of] .
@= g]kfn lwtf]kq af]8{df lwtf]kq btf{ u/fpg tyf cGo sfo{sf nflu clVtof/L lbO{Psf] ;DaGwdf
o; ljQLo ;+:yfsf] ;~rfns ;ldltaf6 :jLs[t ul/Psf] ljj/0f kqnfO{ k|dfl0ft u/L g]kfn lwtf]kq af]8{df btf{ u/fpg]
sfo{sf nflu tyf pQm ljj/0f kq;Fu ;DalGwt cGo sfuhft tyf ljj/0fx?df ljQLo ;+:yfsf] tkm{af6 b:tvt tyf
k|dfl0ft ug{ / ;f] ;DaGwdf ug'{kg]{ cGo cfjZos ;Dk"0f{ sfd sf/jfxLx? ug{ u/fpgsf nflu o; ljQLo ;+:yfsf k|d'v
sfo{sf/L clws[t ;'/]z axfb'/ adnfO{ clVtof/L k|bfg ug]{ lg0f{o ul/of] .
#= ;j{;fwf/0fn] cfj]bg lb+bf b/vf:t lbg kfpg] Go"gtd / clwstd lsQfsf] ;DaGwdf
o; vKt8 n3'ljQ ljQLo ;+:yf lnld6]8n] ;j{;fwf/0f -sd{rf/L ;d]t_ nfO{ lgisfzg ug{ nfu]]sf] !,#@,))) lsQf z]o/sf
nflu ;j{;fwf/0fx?n] cfj]bg lb+bf Go"gtd !) -bz_ lsQf / ;f] eGbf a9Lsf nflu !) c+sn] efu hfg] ;+Vofdf clwstd
!,#@) -Ps xhf/ ltg ;o aL;_ lsQf z]o/ ;Ddsf nflu cfj]bg lbg ;Sg] lg0f{o ul/of] .
-ª_= ;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if s/ ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M ;f] gePsf] .
-r_= ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fglx;fj / gub k|jfx ljj/0f k|fKt ug{ jf
x]g{ ;Sg] 7fpF / ;doM
sfof{no ;do leq lgDg lnlvt :yfgx?df sDkgLsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf–gf]S;fg
lx;fj tyf gub k|jfxsf] ljj/0f k|fKt ug{ jf lg/LIf0f ug{ ;lsg] 5 .
-s_ ljQLo ;+:yfsf] /lhi68{ -s]Gb|Lo_ sfof{no uf]bfj/L gu/kflnsf–!, s}nfnL .
-v_ lwtf]kq lgisfzg tyf laqmL k|jGws –k|e' Soflk6n lnld6]8, sdnfbL, sf7df8f}+ .
-5_= af]g; z]o/ ;DaGwL Joj:yf M
xfn;Dd af]g; z]o/ hf/L ul/Psf] 5}g . eljiodf k|rlnt P]g / g]kfn lwtf]kqaf]8{sf] k|rlnt af]g; z]o/ lgisfzg ;DaGwL
Joj:yf cg';f/ af]g; z]o/ hf/L ug{ ;Sg]5 .
-h_ z]o/jfnf, sd{rf/L jf c? s;}sf] nflu z]o/ ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M
32
o; ljj/0f kqåf/f lgisfzg ul/Psf] k|lt ;fwf/0f z]o/ ?=!)).— clÍtd"No (Par Value) sf s'n !,#@,))) lsQf
;fwf/0f z]o/ ;+Vof dWo] @,))) lsQf ;fwf/0f z]o/x? n3'ljQ ljQLo ;+:yfsf] ;]jfdf /x]sf sd{rf/Lx?sf nflu 5'6\ofP/
;'/lIft /flvPsf] 5 / ;fy} ^,^)) lsQf ;fwf/0f z]o/x? ;fd'lxs nufgL sf]ifsf] nflu 5'6\ofOsf] 5 . sd{rf/Lx?sf] nflu
o;/L 5'6\ofOsf] z]o/ sd{rf/Lx?af6 dfueO{ cfPsf] xsdf ;+rfns ;ldltn] cf}lrTo k'0f{ tj/af6 afF8kmfF8 ug]{ 5 /
sd{rf/Laf6 ;Dk'0f{ z]o/sf nflu dfueO{ gcfPsf] cj:yfdf afFsL z]o/x? ;j{;fwf/0fdf afF8kmfF8 ul/g]5 .
-em_ ljQLo ;+:yfn] sDkgL P]gn] u/]sf] Joj:yfx?, cfˆgf] sf/f]af/;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf k"0f{ kfngf u/]sf]
;DaGwdf u/]sf] pb\3f]if0f M
n3'ljQ ljQLo ;+:yfn] sDkgL P]g, @)^# n] u/]sf] Joj:yfx?, cfkm"n] ug]{ Joj;fo;Fu ;DalGwt P]g, lgod tyf lgodg
Joj:yf tyf lgodg lgsfox?n] lbPsf] lgb]{zgx?sf] k"0f{ ?kdf kfngf u/]sf] 5 / ;f]xL lgb]{zgx?sf] bfo/f leq /xL sfo{
ul//x]sf] / o; ljj/0fkqdf pNn]v ul/Psf] ljj/0fx? ;d]t ;f]xL cg'?k tof/ ul/Psf] xf] eGg] n3'ljQ ljQLo ;+:yfsf]
pb\3f]if0f /x]sf] 5 . ;fy} o; ljQLo ;+:yfn] sDkgL /lhi6«f/sf] sfof{nodf cfly{s jif{ @)&&÷&* ;Ddsf ljj/0fx? k]z
u/]sf] x'gfn] pQm cfly{s jif{ ;Dd o; ljQLo ;+:yf sDkgL /lhi6«f/sf] sfof{nodf cBfjlws /x]sf] 5 .
-`_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M
o; ljj/0f kq dfkm{t lgisflzt ;fwf/0f z]o/ laqmL ljt/0fsf nflu cf:jf ;b:o k|fKt a}+s tyf ljlQo ;+:yfx?sf b]z e/L
km}lnP/ /x]sf tf]lsPsf zfvfx? Dffkm{t cfj]bg lbg ;Sg] Joj:yf /x]sf] 5 .
-6_ ljj/0f kq tof/ ug]{ Joj;foLs ;+:yfsf] gfd / 7]ufgf ;DaGwL ljj/0f M
o; ljj/0f kq tof/ kfg]{ Jofj;flos ;+:yfdf lgisfzg tyf laqmL k|jGws M k|e' Soflk6n lnld6]8, sdnfbL, sf7df8f}+
/x]sf] 5 .
-7_ ;sf/fTds kIfx? M
 a}+lsË tyf ljQLo If]qdf cg'ejL tyf bIf Joj:yfksx?åf/f ;+rflnt .
 u|fxs ;'xfpFbf] cfsif{s ;]jf tyf sfo{s|d ;fy} n3'ljQ ljQLo ;+:yfsf] kl/sNkgf cg'?k :yfgLo :t/df ;/n, ;'ne /
;xh 9+un] cfw'lgs tyf k|ljlwo'Qm a}+lsË k|0ffnLsf] ljsf; ug{ ;s]sf] .
 cfly{s, /fhgLlts / k|ltikwL{ a}+lsË Aoj;fo ;'xf+pbf] /0fgLlt cjnDjg u/L Joj;fo lj:tf/ ug{ ;kmn /x]sf] .
 xfnsf] sfo{If]q tyf hg;d'bfodf ljQLo ;+:yfsf] /fd|f] 5jL lgdff{0f ePsf] .
-8_ z]o/ /lhi6«f/ ;DaGwL Joj:yf M
g]kfn :6s PS;r]Gh lnld6]8df ;"rLs/0f u/] kZrft\ z]o/sf] bflvn vf/]h, b:tvt ?h' cflb ;DaGwL sfo{ o; ljQLo
;+:yfsf] sfof{noaf6 jf n3'ljQ ljQLo ;+:yfsf] ;~rfns ;ldltn] tf]s] adf]lhd z]o/ /lhi6«f/sf] sfof{noaf6 x'g] u/L
Joj:yf ul/g]5 .
-9_ lwtf]kq laqmL v'Nnf cjlw M
o; ljj/0f kqåf/f lgisfzg ul/Psf] ;fwf/0f z]o/sf] nflu cfj]bg lbg] cjlw !% lbgsf] x'g]5 . cfjZostf eGbf a9L
;fwf/0f z]o/sf] nflu cfj]bg kg{ cfPdf s'g} klg avt ;fwf/0f z]o/sf] laqmL aGb ug{ ;lsg]5 t/ ljj/0f kqdf ul/Psf]
Joj:yf cg';f/ s'g} klg xfntdf $ sfo{ lbgeGbf cufl8 z]o/ v/Lbsf] cfj]bg lng] sfd aGb ul/g] 5}g .
-0f_ qm]l86 /]l6Ë ;DaGwL Joj:yfM
o; ljj/0f kq cg';f/ lgisfzg ul/g] ;fwf/0f z]o/sf] nflu lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# -t];|f] ;+zf]wg
;lxt_ df ePsf] Joj:yf adf]lhd sDkgLsf] O:o"/ /]l6Ë u/fpg' kg]{ ePsf]n] qm]l86 /]l6Ë lgodfjnL, @)^* sf] lgod #
adf]lhd g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt qm]l86 /]l6Ë ;+:yf O{qmf g]kfn ln= af6 O:o"/ /]l6Ë u/fO{ [ICRANP-IR] BB-
” /]l6Ë k|bfg u/]sf] 5 . h;n] sDkgLsf] ljQLo bfloTj axg ug]{ Ifdtfdf dWod hf]lvd (Moderate Risk of Defult
Regarding The Timely Servicing of Financial Obligations) /x]sf]] [ICRANP-IR] BB- (Pronounced as ICRA
NP issuer rating Double B-) hgfpFb5 . ;f] /]l6Ë sf] j}wtf cjlw Ps aif{ /xg]5 . O{qmf g]kfn lnld6]8n] [ICRANP-
IR] AAA b]lv [ICRANP-IR] D ;Ddsf] /]l6Ë k|bfg ub{5 h;df [ICRANP-IR] AAA n] alnof] cfwf/ hgfpF5
[ICRANP-IR] Dn] sdhf]/ cfwf/ hgfpF5 . [ICRANP-IR] B, [ICRANP-IR] C / [ICRANP-IR] D n] cf};t eGbf sd
cfwf/ hgfpF5 lbOg] cfwf/x?df k|of]u ul/g] (Plus) lrGxn] lbOPsf] ;d'xsf] t'nfgfTds ;sf/fTds l:yltnfO{ hgfpF5 . ;f]
;DaGwL ljj/0f o; ljj/0f kqsf] bkmf u=@@ -0f_ dfpNn]v ul/Psf] 5 . qm]l86 /]l6Ë k|bfg u/]sf] ldlt M @)@!÷)$÷)&
qm]l86 /]l6Ë axfn /xg] ldlt M @)@#÷)$÷)# ;Dd .
33
u=@#= ;~rfns tyf lj1x?sf] gfd tyf b:tvtM
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]{ ljQLo ;+:yfsf] ;~rfnsx?sf] gfd tyf b:tvt M
qm=;+
;~rfnsx?sf] gfd kb b:tvt
=
!= >L ;'dg k|;fb >]i7 cWoIf
@= >L rGb| axgb'/ rGb ;~rfns

#= >L 8an axfb'/ zfx ;~rfns
$= >L /0fb]j s[i0f >]i7 ;~rfns
%= >L OZj/L /]UdL kGt :jtGq ;~rfns
34
u=@$= lgisfzg tyf laqmL k|jGwsn] k|:t't u/]sf] k|lta4tf kq -8\o' 8]lnh]G;\\ ;l6{lkms]6_ sf] k|lt M
35
u=@%= ljj/0f kq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] ;f] ;DaGwL kq M
36

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sDkgL P]g, @)^# cGtu{t ;+:yflkt / a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhd sfd sf/f]jf/

ug{ Ohfhtkq k|fKt

/lhi68{ sfof{no M Uff]bfj/L gu/kflnsf j8f g+= !, Uff]bfj/L, s}nfnL

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

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

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

-u_ lgisfzg kl5sf] r'Qmf k"h

-3_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft\_ M

lza s'df/ >]i 7,

kbd k|;fb aGhf8], Joj;foLs

@)%) b]lv a}s tyf

/la s]=;L, @)^& b]lv @)&! ldlt @)$&.)^.@^

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

gfkmf–gf]S;fg afF8kmfF8 lx;fa

gub k|jfx ljj/0f /sd ? -xhf/df_

;DklQ cfiff9 @)&(

Gffkmf gf]S;fg afF8kmfF8 lx;fj /sd ? -xhf/df_

gub k|jfx ljj/0f /sd ? -xhf/df_

;DklQ 2081-82 2080-81 2079-80

gfkmf gf]S;fg lx;fj

gfkmf gf]S;fg afF8kmfF8 lx;fj

gub k|jfx ljj/0f

n3'ljQ ljQLo ;+:yfsf] ljQLo k|If]k0fsf cfwf/x? M

cfwf/x? k|:t''t ug]{ M

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

u= !!= ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M

u=!%= k/fdz{ bftf÷ljz]if1 ;DaGwL ljj/0f M

@= >L rGb| axgb'/ rGb ;~rfns

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