AFY SFXEGXOJLBF ILNIBJ^GX

ILNIBJ^GX (ASI) BDFJLILM RFXUI

LG AXI^FXIJ RVOHFX NJ^J

Sfohfrsi`jl ajojr pfrjwjtjl sfdjdu nidjasjljajl sfbjrj

: Aufsiglfr Xjwjt Iljp
rutil njl njdjo afjnjjl hfrsi`

Sfohfrsi`jl ejsiditjs tgidft njl ajojr ojlni pfrjwjtjl

8 Aufsiglfr Xjwjt Iljp
sfdjdu nidjasjljajl sfbjrj rutil njl njdjo afjnjjl hfrsi`

 Jlmaj agopdjil
agopdjil / afdu`jl
afdu`jl njri
njri pjsifl (XI
(XI / XK) tfr`jnjp Aufsiglfr Xjwjt Iljp
2 afhfrsi`jl ajojr rjwjt iljp, puhdia jrfj, tgidft uouo, njl (XI) njl Xjwjt Kjdjl

dilmaulmjl
 Jlmaj ruoj` prgsfnur
afsjdj`jl
afsjdj`jl psjait
rgsfnur afrkj (oflilmmjdajl
(oflilmmjdajl jrfj afrkj,
afrkj, (XK)
Aufsiglfr XI njl XK,
jtrihut afrkj, mrfftilm njl mrggoilm, afdflmajpjl jdjt afrkj, djpgrjl pjsifl af
>
pflmfdgdjjl sjopj`, egroudir, ndd) yjlm nidjpgrajl gdf` Bustgofr Bjrf, djpgrjl /
pjsifl jtju nirfasi Hrjwikjyj (dfvfd ojljmfr up) tfoujl nirfasi
Djoj pfohfrsi`jl njl pfrsijpjl ajojr rjwjt iljp yjlm
Huau faspfnisi Bdfjlilm
6 jajl niisi gdf` pjsifl hjru ≮ 83 oflit sfkja jnj ilstruasi njri
Rfrvibf
pfrjwjt

 Jlmaj tfoujl
tfoujl afrusjajl
afrusjajl / tinja dflmajp
dflmajp pfrjdjtjl
pfrjdjtjl afrkj
afrkj ^foujl gdf` ojljmfr
5
(ofsil pgdfs, vjbuo bdfjlfr, wipfr, ndd) gdf` ojljmfr MJ MJ njl tiolyj

 Jlmaj tfoujl
tfoujl afaurjlmjl
afaurjlmjl / tinja
tinja tfrsfnijlyj
tfrsfnijlyj hj`jl
hj`jl
^foujl gdf` ojljmfr
= afhutu`jl
ojljmfr MJafrkj (pdjstia, nfsilefatjl, spidd ait, ndd) gdf` MJ njl tiolyj
Djpgrjl afkjnijl
Afkjnijl afbfdjajjl jaihjt afdjdjijl pftumjs (djltji dibil,
0 afbfdjajjl af Bustgofr
tfrsjlmaut ajhfd, ndd)
Bjrf
Djpgrjl dflmajp yjlm
Sfrsfltjsf pfdjasjljjl pfohfrsi`jl rutil, nftjid bdfjlilm,
9 nivfrieiajsi pftumjs
njl mflfrjd bdfjlilm sfsuji prgmrjo afrkj njl tfpjt wjatu
rujlmjl / jrfj
Djpgrjl jhsflsi
:3 Afnisipd
Afnisipdiljl
iljl RNO (jdpj
(jdpj / ojlmai
ojlmair)
r)
ajryjwjl

Kjajrtj, ……….., …………………, 83……

Nilidji Gdf` ;
 

Bggrniljtgr Ruppgrt Rfrvibfs

 

  F

^JXMF^
EGXOVDJRI
SFLIDJIJL
Sfrsfltjsf `jsid pidi`jl "sfdjdu"
nihjlnilmajl nflmjl tgtjd < 06 %
rfspglnfl (pjsifl XI) pfr hudjl
Sfrsfltjsf `jsid pidi`jl "sfdjdu"
nihjlnilmajl nflmjl tgtjd < =2 %
rfspglnfl (pjsifl XI) pfr hudjl

Kuodj` pjsifl yjlm agopdjil Ojasiojd :3

pfr hudjl agopdjil

Kuodj` agopdjil / djpgrjl pfr

3 (Lgd) afkjnijl
hudjl
Sfrsfltjsf kuodj` ajojr yjlm
nihfrsi`ajl ≮ 83 oflit
nihjlnilmajl kuodj` ajojr :33%
yjlm nihfrsi`ajl jtjs ilstruasi
pfrjwjt pfr hudjl
Kuodj` tfoujl ojljmfr MJ
3 (Lgd) tfoujl
njl tiolyj pfr hudjl

Kuodj` tfoujl ojljmfr MJ

njl tiolyj pfr hudjl 3 (Lgd) afkjnijl

Kuodj` djpgrjl afkjnijl

3 (Lgd) afkjnijl
afbfdjajjl pfr hudjl
rujlmjl yjlm nidjauajl
pfohfrsi`jl nihjlnilmjl
:33%
nflmjl kuodj` sfduru` jrfj /
rujlmjl yjlm jnj njdjo kjnwjd
Kuodj` ajryjwjl yjlm ojlmair
3 (Lgd) afkjnijl
pfr hudjl

 Nisftukui Gdf` ; Niaftj`ui Gdf` ;

 

Ojljmfr Ruppgrt Rfrvibfs Uflngr  

 

AFY SFXEGXOJLBF ILNIBJ^GX (

LG AXI^FXIJ RVOHFX NJ^J

Rfouj tjljojl nidjauajl pfofdi`jrjjl (pflyirjojl) Kjnwjd afrkj pfofdi`jrjjl /

: sfsuji nflmjl kjnwjd afrkj pfofdi`jrjjl / pfrjwjtjl  pfrjwjtjl tjljojl njl huati
tjljojl  pflmfrkjjllyj

Rfouj tjljojl nidjauajl pfofdi`jrjjl (pgtglm / pjlmajs Kjnwjd afrkj pfofdi`jrjjl /

8 / pfdfpjsjl njul djyu, ndd) sfsuji nflmjl kjnwjd afrkj  pfrjwjtjl tjljojl njl huati
 pfofdi`jrjjl / pfrjwjtjl tjljojl  pflmfrkjjllyj

Rfouj tjljojl nidjauajl pfofdi`jrjjl (pfohfrijl Kjnwjd afrkj pfofdi`jrjjl /

2  pupua) sfsuji nflmjl kjnwjd afrkj pfofdi`jrjjl /  pfrjwjtjl tjljojl njl huati
 pfrjwjtjl tjljojl  pflmfrkjjllyj

Rfouj tjljojl nidjauajl pfofdi`jrjjl (pflmmfohurjl Kjnwjd afrkj pfofdi`jrjjl /

> tjlj` njl pflnjlmirjl) sfsuji nflmjl kjnwjd afrkj  pfrjwjtjl tjljojl njl huati
 pfofdi`jrjjl / pfrjwjtjl tjljojl  pflmfrkjjllyj

Rfouj tjljojl ilnggr nidjauajl pfofdi`jrjjl (rgtjsi, Kjnwjd afrkj pfofdi`jrjjl /

6 afhutu`jl siljr ojtj`jri, ndd) sfsuji nflmjl kjnwjd afrkj  pfrjwjtjl tjljojl njl huati
 pfofdi`jrjjl / pfrjwjtjl tjljojl  pflmfrkjjllyj

Rfouj tjljojl ilnggr nidjauajl pfofdi`jrjjl Kjnwjd afrkj pfofdi`jrjjl /

5 (afhfrsi`jl njul, ofnij tjljo, pgt) sfsuji nflmjl kjnwjd  pfrjwjtjl tjljojl njl huati
afrkj pfofdi`jrjjl / pfrjwjtjl tjljojl  pflmfrkjjllyj

@jsid ilspfasi / pflmjwjsjl

Rfouj jrfj / dj`jl / tjojl yjlm tfrnjpjt / nitjljoi
njri aggrniljtgr
 

 
 
= ruoput j jo fj jjl rjp , frs , tfrjwjt, t j tuo u
`gusfaffpilm njl ojljmfr
ruoput dijr hfrdfhi`jl
uouo (MJ)

Sfdjasjljjl pflyfojijl, pfohihitjl, pflyf`jtjl, Dgajsi dj`jl / sjulm tfopjt

0
 pflyuhurjl, bjlmaga, ndd nidjasjljajl nflmjl hjia  pflyfojijl

Kjajrtj, ……., ……………, 83..

Nilidji Gdf` ;

Bggrniljtgr Ruppgrt Rfrvibfs

 

  SI) MJXNFLFX

EGXOVDJRI ^JXMF^
SFLIDJIJL

Sfrsfltjsf pfdjasjljjl pfofdi`jrjjl /

 pfrjwjtjl tjljojl nihudjl hfrkjdjl
< 99 %
nihjlnilmajl nflmjl kjnwjd pfofdi`jrjjl
 hudjljl

Sfrsfltjsf pfdjasjljjl pfofdi`jrjjl /

 pfrjwjtjl tjljojl nihudjl hfrkjdjl
< 90 %
nihjlnilmajl nflmjl kjnwjd pfofdi`jrjjl
 hudjljl

Sfrsfltjsf pfdjasjljjl pfofdi`jrjjl /

 pfrjwjtjl tjljojl nihudjl hfrkjdjl
< 99 %
nihjlnilmajl nflmjl kjnwjd pfofdi`jrjjl
 hudjljl

Sfrsfltjsf pfdjasjljjl pfofdi`jrjjl /

 pfrjwjtjl tjljojl nihudjl hfrkjdjl
< 9= %
nihjlnilmajl nflmjl kjnwjd pfofdi`jrjjl
 hudjljl

Sfrsfltjsf pfdjasjljjl pfofdi`jrjjl /

 pfrjwjtjl tjljojl nihudjl hfrkjdjl
< 90 %
nihjlnilmajl nflmjl kjnwjd pfofdi`jrjjl
 hudjljl

Sfrsfltjsf pfdjasjljjl pfofdi`jrjjl /

 pfrjwjtjl tjljojl nihudjl hfrkjdjl
< 90 %
nihjlnilmajl nflmjl kjnwjd pfofdi`jrjjl
 hudjljl

Kuodj` agopdjil / afdu`jl njri aggrniljtgr

Ojasiojd
 

 
 
gusf ffp lm jl ojljmf
ojljmfrr uouo
uouo MJ) pfr
: afkjnijl
 hudjl

Nidjasjljajl
Aglnisi dj`jl / sjulm tfopjt pflyfojijl
nflmjl hjia 

Nisftukui Gdf` ; Niaftj`ui Gdf` ;

Ojljmfr Ruppgrt Rfrvibfs Uflngr  

 

AFY SFX
SFXEGX
EGXOJL
OJLBF
BF ILN
ILNIBJ
IBJ^G
^GX
X (A
(AS
S

LG AXI^FXIJ RVOHFX NJ^J

Djpgrjl jhsflsi
: Af
Afnis
nisipd
ipdil
iljl
jl RNO
RNO (jd
(jdpj
pj / ojlm
ojlmair
air))
ajryjwjl

Aufsiglfr XI, XK, njl

Afdu`jl njri pjsifl XI njl XK tfr`jnjp jnjlyj
8 djpgrjl pjsifl af
lyjoua njl djdjt
Bustgofr Bjrf

Afdu`jl njri pjsifl XI, XK njl ajryjwjl tfr`jnjp Aufsiglfr XI, XK, djpgrjl
2 jnjlyj hiljtjlm pflmmjlmmu (afbgj, tiaus, udjt, udjr, pjsifl af Bustgofr Bjrf,
njl sfdjil lyjoua njl djdjt) njl djpgrjl ajryjwjl

Sfrsfltjsf pfdjasjljjl trfjtoflt sfrjlmmmj njl Djpgrjl dflmajp yjlm

> hiljtjlm pflmmjlmmu sfsuji prgmrjo afrkj njl tfpjt nivfrieiajsi pftumjs
wjatu rujlmjl / jrfj

Kjajrtj, ……….., …………………, 83……

Nilidji Gdf` ;

Bggrniljtgr Ruppgrt Rfrvibfs

 

  ) SFR^ BGL^XGD

EGXOVDJRI ^JXMF^ SFLIDJIJL

Kuodj` ajryjwjl yjlm ojlmair pfr hudjl 3 (Lgd) afkjnijl

Kuodj` afdu`jl / agopdjil pfr hudjl Ojasiojd 2 afdu`jl

Kuodj` afdu`jl / agopdjil pfr hudjl 3 (Lgd) afdu`jl

Sfrsfltjsf kuodj` jrfj / rujlmjl yjlm nidjauajl

trfjtoflt nihjlnilmjl nflmjl kuodj` sfduru` jrfj / :33%
rujlmjl yjlm jnj njdjo kjnwjd afrkj pfr hudjl

 Nisftukui Gdf` ; Niaftj`ui Gdf` ;

Ojljmfr Ruppgrt Rfrvibfs Uflngr  

 

AFY SF
SFXEG
XEGXOJ
XOJLBF
LBF ILN
ILNIBJ
IBJ^G
^GX
X (A
(AS
S

LG AXI^FXIJ RVOHFX NJ^J

Egro ojliefst diohj` H2 jtju

: Af
Aftfp
tfpjtj
jtjl
l wjatu
wjatu pflm
pflmjo
johid
hidjl
jl Diohj
Diohj`
` H2 huau af`jnirjl afnjtjlmjl
vflngr 

Sflmmuljjl JSN Ghsfrvjsi afdflmajpjl

j. Ojsafr  pflmmuljjl JSN pftumjs
8 h. Rjrulm tjlmjl vflngr pjnj sjjt pflmjohidjl
b. Hjku Rfrjmjo njl pfliohjlmjl diohj` H2 ni
n. Rfpjtu sjefty ^SR Faj @gspitjd

Afdflmajpjl Ngauofl Sfriziljl njl ojsi`

Ngauofl Sfriziljl sfsuji
hfrdjau
2 pfrulnjlm-ulnjlmjl yjlm
j. Sfriziljl njri AD@A
hfrdjau ni Ilnglfsij
h. Sfriziljl njri Niljs Sfr`uhulmjl

@jsid Djhgrjtgriuo foisi

ilsflfrjtgr sfsuji nflmjl
> @jsi
@jsidd pfofr
pfofriasj
iasjjl
jl Foisi
Foisi Bfrghg
Bfrghglm
lm Ilsflfrj
Ilsflfrjtgr 
tgr 
Afputusjl Afpjdj HJSFNJD
Lg. Afp.32/HJSFNJD/39/:996

Kjajrtj, ……….., …………………, 83……

Nilidji Gdf` ;
 

Bggrniljtgr Ruppgrt Rfrvibfs

 

  I) SFOVRLJ@ DIOHJ@ H2

^JXMF^
EGXOVDJRI SFLIDJIJL

:. Xfjdisjsi kuodj` afnjtjlmjl pflmjohidjl

diohj` H2 nihjlnilmajl nflmjl tgtjd kuodj` `jri
sfdjsj, ajois, sjhtu njdjo : hudjl
8. Kiaj `jri sfsuji kjnwjd pflmjohidjl diohj`
:33%
tinja nidjauajl pflmjohidjl, ojaj vflngr wjkih
oflmjohid diohj` ni`jri sftfdj`lyj, afbujdi
 kjnwjd `jri
`jri pflmjohidjl
pflmjohidjl `jri
`jri sfdjsj (tinja
(tinja hgdf`
hgdf`
tinja nidjauajl pflmjohidjl diohj`)

Kuodj` kflis JSN yjlm nimuljajl pftumjs

vflngr nihjlnilmajl nflmjl kuodj` kflis JSN :33%
yjlm sf`jruslyj nimuljajl

Ngauofl
Kuodj` pfrikiljl tna jnj njl/ ajnjdujrsj pfriziljl dflmajp
njl ojsi` hfrdjau

^inja ofoflu`i hjau outu njl/ pfdjasjljjlyj @jsid uki djh

tinja sfsuji pfrignf wjatulyj (pfofriasjjl sfsuji hjau outu
djhgrjtgriuo tfrdjohjt) njl sfsuji kjnwjd

 Nisftukui Gdf` ; Niaftj`ui Gdf` ;

 

Ojljmfr Ruppgrt Rfrvibfs Uflngr  

 

AFY
AFY SFXE
SFXEGX
GXOJ
OJLB
LBF
F ILN
ILNIB
IBJ
J^G

LG AXI^FXIJ RVOHFX NJ^J

Dgmhgga pflmjohidjl diohj`

: Kuodj`
Kuodj` pflmjo
pflmjohid
hidjl
jl dio
diohj`
hj` ngofst
ngofstia 
ia 
ngofstia XR

Dgmhgga pflmjohidjl diohj`

8 Sflm
Sflmjl
jlma
maut
utjl
jl dio
diohj
hj`
` ngof
ngofst
stia 
ia 
ngofstia XR

Hfritj jbjrj pflmjlmautjl diohj`

Afrjpi`jl njdjo pflmjlmautjl diohj`
2 njdjo aglnisi tinja rjpi/ jnjlyj
ngofstia 
diohj` yjlm tfrbfbfr/ kjtu`

Sfohjyjrjl rftrihusi sjopj`/ diohj` af Huati sftgrjl rftrihusi sjopj`/

>
Sfonj diohj`

Kjajrtj, ……….., …………………, 83……

Nilidji Gdf` ;

Bggrniljtgr Ruppgrt Rfrvibfs

 

 (ASI) SFLMJOHID DIOHJ@ NGOFR^IA 

^JXMF^ SFLJD^Y
EGXOVDJRI SFLIDJIJL SFLIDJIJL HGHG^

Kuodj` aftinja`jnirjl
Kuodj`
Kuodj` tinja oflmjohid diohj` Rfsuji aftinja `jnirjl P hijyj pfrafnjtjlmjl
 pflmjohidjl
ngofstia njdjo sfhudjl njdjo sfhudjl (lidji agltrja ; kuodj`
sfsuji agltrja 
 pflmjohidjl sfhudjl)

Jnj sisj tftjpi tinja

:%
 hfrturut8

Jnj sisj 8 ajdi

Kuodj` (ajltglm) diohj` ngofstia ^inja tfrsisj  hfrturut8, `jlyj : 2%
yjlm tfrsisj (tinja nijlmaut) sjjt sftijp oilmmu
 pflmjohidjl  pflmjohidjl
Jnj sisj 8 ajdi
 hfrturut8, < : oilmmu 6%
Jnj sisj < 8 ajdi
:3%
 hfrturut8, < : oilmmu

^inja jnj :-8 :%

Kuodj` hfritj jbjrj pflmjlmautjl bfbfrjl 2 8%
diohj` tinja rjpi njdjo sfhudjl sjopj`/ > 2%
diohj` <> 6%

^frhuati tfrkjni
^inja jnj ojlipudjsi/
Jnjlyj ojlipudjsi/ pflmmfdjpjl/
ojlipudjsi/  pflmmfdjpjl/ :33%
 pflyfdfwflmjl sftgrjl rftrihusi
 pflmmfdjpjl  pflyfdfwflmjl

rftrihusi

 Nisftukui Gdf` ; Niaftj`ui Gdf` ;

Ojljmfr Ru
Ruppgrt Rf
Rfrvibfs Uflngr 
 

AFY SFXEGXOJLBF ILNIBJ^GX (

LG AXI^FXIJ RVOHFX NJ^J

Aftfpjtjl wjatu afnjtjlmjl pflmjltjrjl
dilfl hfrsi` / pflmjohidjl dilfl agtgr sfsuji ^iaft pjrair ojsua XR sfdjoj sf
:
pfohfritj`ujl  hudjl
 kjnwjd ym nitfltuajl tjlpj jnj pfohfritj`ujl
yjlm njpjt nitfrioj usfr 

Aufsiglfr njri usfr (pftumjs

8 Aujd
Aujdit
itjs
js `j
`jsi
sidd bbub
ubii ddil
ilfl
fl
dilfl, pfrjwjt, pflulkjlm, ndd)

2 Kuodj`
Kuodj` agopdj
agopdjil
il njl jtju
jtju rftur
rftur dil
dilfl
fl Egro
Egro rftur
rftur dilfl
dilfl

Dilfl (@jlnua ojlni, Hjku OBV, Hjku ^foujl / djpgrjl njri usfr
> Xjnigdgmi, Hjku Eisigtfrjpi, Rfdiout ^fh
^fhjd)
jd) (pftumjs dilfl, pfrjwjt,
oflmmuljajl pdjstia pfr pbs  pflulkjlm, ndd)
Af`idjlmjl njl jtju afrusjajl dilfl yjlm ^foujl / djpgrjl njri (pftumjs
6
nijaihjtajl prgsfs pflbubijl ni djulnry dilfl, pfrjwjt, pflulkjlm, ndd)
@jsid swjh dilfl njri
5 @jsi
@jsidd swjh
swjh dil
dilfl
fl (ti
(tijp
jp 5 hu
hudj
djl)
l)
Djhgrjtgriuo tfrjarfnitjsi AJL

Afhfrsi`jl oghid (hgx pflyiopjljl dilfl ^foujl / djpgrjl njri usfr

=
 hfrsi`) sjjt pflmiriojl dilfl hfrsi` (pftumjs dilfl)

Afhfrsi`jl pftumjs pflmjltjr dilfl (hju ^foujl / djpgrjl njri usfr

0
 hjnjl, hju rgaga, ndd) (pftumjs dilfl)

Sfoflu`jl stjlnjr nrivfr (RIO) njl oghid ^foujl / djpgrjl njri usfr
9
(R^LA, djopu sifl, sjefty hfdt, ndd) (pftumjs dilfl)

Ragr / lidji pfoflu`jl afsfsujijl stjlnjr /

 pfrsyjrjtjl pflmfdgdjjl djulnry dilfl ruoj`
ruoj` Bfadist pfofriasjjl stjlnjr
:3
sjait pjnj sjjt survfy sftijp 5 hudjl sfajdi afsfsujijl djyjljl djulnry
gdf` pftumjs @gusfaffpilm njl ASSI

Kjajrtj, ……….., …………………, 83……

Nilidji Gdf` ;
 

Bggrniljtgr Ruppgrt Rfrvibfs

 

  SI) DJVLNXY / DILFL

^JXMF^
EGXOVDJRI
SFLIDJIJL

Kuodj` `jri aftfrdjohjtjl < 23 oflit njdjo

3 (Lgd) afkjnijl
sfhudjl

Sfrsfltjsf afpujsjl tfr`jnjp `jsid bubijl

< 96%
dilfl (lidji sjlmjt pujs njl pujs)

Kuodj` dilfl (dfohjr / Am) yjlm nirftur

ajrflj aujditjs bubijl yjlm tinja sfsuji
48%
stjlnjr (ojsi` agtgr, lgnj, ndd) nihjlnilmajl
njri tgtjd bubijl sfhudjl

Kuodj` agopdjil pfr hudjl 3 (Lgd) afkjnijl

Kuodj` agopdjil pfr hudjl 3 (Lgd) afkjnijl

Kuodj` dilfl yjlm `jsid djhgrjtgriuolyj tinja

Rfsuji stjlnjr 
sfsuji stjlnjr hjau outu

Kuodj` agopdjil pfr hudjl ≮ 8 afkjnijl

Kuodj` agopdjil pfr hudjl ≮ 8 afkjnijl

Kuodj` agopdjil pfr hudjl ≮ 8 afkjnijl

Sfrsfltjsf pjrjoftfr stjlnjr yjlm nipflu`i

< 92%
nihjlnilmajl nflmjl tgtjd pjrjoftfr stjlnjr 

 Nisftukui Gdf` ; Niaftj`ui Gdf` ;

 

Ojljmfr Ruppgrt Rfrvibfs Uflngr  

 

AFY
AFY SFX
SFXEG
EGXO
XOJL
JLBF
BF ILN
ILNIB
IBJ
J^GX (AS
(AS

LG AXI^FXIJ RVOHFX NJ^J

Jlmaj djpgrjl af`idjlmjl / pflburijl hjrjlm oidia pjsifl, Rurvfy pjsifl, djpgrjl afkjnijl
:  pflmulkulm njl jtju ajryjwjl yjlm
yjlm hfljr tfrkjni ni jrfj af`idjlmjl af Bustgofr Bjrf jtu
ruoj` sjait Rfburity

Jlmaj djpgrjl pflmrusjajl hjrjlm oidia pjsifl, Rurvfy pjsifl, djpgrjl afkjnijl
8  pflmulkulm, ajryjwjl, njl ruoj` sjait yjlm hfljr
hfljr tfrkjni af`idjlmjl af Bustgofr Bjrf jtu
ni jrfj ruoj` sjait Rfburity
Jlmaj ajsus pflmmfdjpjl (tinja oflyfrj`ajl hjrjlm
Djpgrjl pflmmfdjpjl njl pfofrjsjl
2 tfoujl) njl pfofrjsjl (ofoiltj ujlm / iohjdjl) gdf`
af Bustgofr Bjrf
 pfrsglid Rfburity

Jlmaj pflyfdfsjijl djpgrjl ajsus yjlm nitjlmjli Rfburity Djpgrjl pflyfdfsjijl ajsus gdf`
> ojasiojd 2 P 8> kjo sfkja pflfriojjl djpgrjl Rfburity

Jlmaj djpgrjl mjlmmujl afjojljl (tilnja afafrjsjl, Rurvfy pjsifl, djpgrjl afkjnijl
6  pfrafdjijl, ojhua, pfrkunijl, iltioinjsi, ndd) yjlm hfljr af`idjlmjl af Bustgofr Bjrf jtu
tfrkjni ni jrfj ruoj` sjait Rfburity

Jlmaj afsjdj`jl prgsfnur afrkj (oflilmmjdajl pgs / jrfj

Aufsiglfr XI njl XK, djpgrjl pjsifl
afrkj, jtrihut afrkj, mrfftilm njl mrggoilm, tinur, tinja
5 af Bustgofr Bjrf, djpgrjl / tfoujl
oflmulbi piltu, ndd) yjlm nidjpgrajl gdf` pjsifl jtju
nirfasi
nirfasi Xuoj` Rjait (dfvfd ojljmfr up)

Jlmaj agopdjil / afdu`jl njri pjsifl (XI / XK) tfr`jnjp

Aufsiglfr Xjwjt Iljp (XI) njl
=  pfdjyjljl (afrjoj`jl, aftfrtihjl, afsimjpjl, afpfnudijl,
Xjwjt Kjdjl (XK)
ndd) Rfburity

Jlmaj afdjdjijl tinja ofdjpgrajl risiag tiohudlyj hj`jyj Djpgrjl ejsiditjs afjojljl njl
afjojljl njl afsfdjojtjl (BB^U rusja, djltji hjsj`, afsfdjojtjl yjlm rusja af Bustgofr
0
aursi rgnj rusja, aursi tulmmu rusja, piltu njrurjt rusja, Bjrf njl tfoujl nirfasi Faj
Faj
jbbfss nggr rusja, ndd) af ojljmfr
oj ljmfr Ruppgrt Rfrvibfs @gspitjd

Nitfouajl pultulm rgaga njl jtju pjsifl / pflmulkulm /

vflngr / tfljlt yjlm ofrgaga ni dilmaulmjl ruoj` sjait ^foujl gdf` ojljmfr MJ njl jtju
9
yjlm ojlj tfopjt / jrfj tfrsfhut jnjdj` pdgttilm jrfj afrkj  pfkjhjt pfonj (sjjt jnj HIO]JR)
HIO]JR)
Rfburity

:3 Afnisipdiljl RNO (jdpj / ojlmair) Djpgrjl jhsflsi ajryjwjl

Kjajrtj, ……….., …………………, 83……

Nilidji Gdf` ;
 

Bggrniljtgr Ruppgrt Rfrvibfs

 

  ) RFBVXI^Y

^JXMF^
EGXOVDJRI SFLIDJIJL

Kuodj` afkjnijl af`idjlmjl/ 3 (Lgd)

 pflburijl pfr hudjl afkjnijl

Kuodj` pflmrusjajl hjrjlm pfr 3 (Lgd)

 hudjl afkjnijl

Kuodj` djpgrjl pflmmfdjpjl njl 3 (Lgd)

 pfofrjsjl pfr hudjl afkjnijl

Kuodj` pflyfdfsjijl ajsus dfhi`

njri 2 P 8> kjo pfr hudjl ^fpjt wjatu

Kuodj` mjlmmujl afjojljl pfr 3 (Lgd)

 hudjl afkjnijl

Kuodj` agopdjil / djpgrjl pfr 3 (Lgd)

 hudjl afkjnijl

3 (Lgd)
Kuodj` agopdjil pfr hudjl
afkjnijl

Kuodj` djpgrjl afrusjajl ejsiditjs

afjojljl njl afsfdjojtjl ajrflj 3 (Lgd)
tinja nidjpgrajl af ojljmfr MJ pfr afkjnijl
 hudjl

Kuodj` tfoujl pultulm rgaga pfr

3 (Lgd) tfoujl
sfhudjl

Kuodj` ajryjwjl yjlm ojlmair pfr 3 (Lgd)

 hudjl afkjnijl

 Nisftukui Gdf` ; Niaftj`ui Gdf` ;

 

Ojljmfr Ru
Ruppgrt Rf
Rfrvibfs Uflngr 
 

AFY SFXEGXOJLBF ILNIBJ^GX (

LG AXI^FXIJ RVOHFX NJ^J

Rfouj pfrjdjtjl nidjauajl pfofdi`jrjjl,

p fofdi`jrjjl, sfrtieiajsi, Kjnwjd afrkj prfvfltivf
: njl ajdihrjsi sfsuji nflmjl kjnwjd afrkj prfvfltivf ojiltfljlbf njl huati
ojiltfljlbf  pflmfrkjjllyj

Xfspgl tiof pfljlmjljl agopdjil yjlm hfrjsjd njri

8 ]gra Grnfr (]G) ni agoputfr  
sistfo (agoputfrisjsi) 4 23 oflit

Sfljlmjljl agopdjil 4 : P 8> kjo, tinja

2  hfr`uhulmjl nflmjl suppdifr jdjt (tjlpj pflmmjltijl ]gra Grnfr (]G) ni agoputfr  
spjrf pjrt / spjrf pjrt tfrsfnij)
Afpujsjl pfdjyjljl njri pjsifl rjwjt iljp tfr`jnjp
> ejsiditjs ajojr rjwjt iljp (^U,
(^U, djopu, ndd) njl ajojr Aufsiglfr Xjwjt Iljp (XI)
ojlni (fx`just ejl, bdgsft, wjstjefd, nrjil, ndd)
Jlmaj afsjdj`jl prgsfnur afrkj (jrfj afrkj agtgr,
Aufsiglfr XI njl XK, djpgrjl
jtrihut afrkj, mrfftilm njl mrggoilm, ndd) yjlm
6  pjsifl af Bustgofr Bjrf, djpgrjl /
nidjpgrajl gdf` pjsifl jtju nirfasi Faj @gspitjd (dfvfd
tfoujl nirfasi
ojljmfr up)
Jlmaj tfoujl afrusjajl / tinja dflmajp pfrjdjtjl
^foujl gdf` ojljmfr MJ njl
5 afrkj (tjlm jopfr, tjlmmj, tggd ait, ndd) gdf`
g df` ojljmfr
tiolyj
MJ
Afkjnijl ojti distria < :3 nftia
= Aftfrsfnijjl distria sfbjrj tfrus oflfrus sfdjoj 8> (sfsuji afsfpjajtjl/ aglnisi
 kjo sf`jri, = `jri sfoilmmu mflsft) njl jtju ojti distria ultua
 pfrjdjtjl yjlm ni hjba up VSR
Afkjnijl tfr`fltilyj supdjy jir
Aftfrsfnijjl jir hfrsi` sfbjrj tfrus oflfrus sfdjoj 8>  hfrsi` af rujlmjl ajrflj
0
 kjo sf`jri, = `jri sfoilmmu  pfrsfnijjl ni hja pfljopulmjl jir
 hfrsi` tinja oflbuaupi
Agopdjil hfrudjlm njdjo aurul wjatu 4 = x 8> kjo
9 Aufsiglfr XI, XK, njl ]gra Grnfr  
ajrflj sfhjh / ojsjdj` yjlm sjoj

:3 Afnisipdiljl RNO (jdpj / ojlmair) Djpgrjl jhsflsi ajryjwjl

Kjajrtj, ……….., …………………, 83……

Nilidji Gdf` ;
 

Bggrniljtgr Ruppgrt Rfrvibfs

 

  SI) OJIL^FLJLBF
OJIL^FLJL BF OFS

EGXOVDJRI ^JXMF^ SFLIDJIJL

Sfrsfltjsf pfdjasjljjl prfvfltivf ojiltfljlbf

nihudjl hfrkjdjl nihjlnilmajl nflmjl rflbjlj < 90 %
afrkj hudjljl

Sfrsfltjsf rfspglsf agopdjil 4 23 oflit

nihjlnilmajl kuodj` tgtjd agopdjil nihudjl < 93 %
 hfrkjdjl

Sfrsfltjsf pfljlmjljl agopdjil yjlm njpjt

nisfdfsjiajl njdjo wjatu : P 8> kjo
< 96 %
nihjlnilmajl kuodj` tgtjd agopdjil nihudjl
 hfrkjdjl

Sfrsfltjsf `jsid pidi`jl "sfdjdu" nihjlnilmajl

< 93 %
nflmjl tgtjd rfspglnfl (pjsifl XI) pfr hudjl

Kuodj` agopdjil / djpgrjl pfr hudjl 3 (Lgd) afkjnijl

Kuodj` tfoujl ojljmfr MJ njl tiolyj pfr

pf r
3 (Lgd) tfoujl
 hudjl

Kuodj` afkjnijl pfr hudjl 3 (Lgd) afkjnijl

Kuodj` afkjnijl pfr hudjl 3 (Lgd) afkjnijl

Kuodj` agopdjil hfrudjlm 4 = x 8> kjo ajrflj

3 (Lgd) afkjnijl / 3 %
sfhjh / ojsjdj` yjlm sjoj pfr hudjl
hu djl

Kuodj` aj
ajryjwjl yj
yjlm oj
ojlm
lma
air pf
pfr hu
hudjl 3 (L
(Lgd) af
afkjni
nijjl

 Nisftukui Gdf` ; Niaftj`ui Gdf` ;

 

Ojljmfr Ruppgrt Rfrvibfs Uflngr  

 

AFY SFXEGXOJLBF IIL

LNIBJ^GX ((A
A

LG AXI^FXIJ RVOHFX NJ^J

Vlit JB nidjauajl pfofdi`jrjjl (sfrvibf / Kjnwjd afrkj prfvfltivf

: bubi) sfsuji nflmjl kjnwjd afrkj prfvfltivf ojiltfljlbf njl huati
ojiltfljlbf pflmfrkjjllyj

 Jlmaj agopdjil
agopdjil / afdu`jl
afdu`jl njri
njri pjsifl rjwjt Aufsiglfr Xjwjt Iljp (XI),
8 iljp, rjwjt kjdjl, ajryjwjl tfr`jnjp JB Xjwjt Kjdjl (XK), djpgrjl af
(pjljs, hgbgr, ndd) Bustgofr Bjrf, njl ]G

 Jlmaj afsjdj`jl
afsjdj`jl prgsfnur
prgsfnur afrkj (jrfj afrkj
Aufsiglfr XI njl XK, djpgrjl
agtgr, jtrihut afrkj, mrfftilm njl mrggoilm,
2 pjsifl af Bustgofr Bjrf,
ndd) yjlm nidjpgrajl gdf` pjsifl jtju nirfasi
Xuoj` Rjait (dfvfd ojljmfr up) djpgrjl / tfoujl nirfasi

 Jlmaj tfoujl
tfoujl afrusjajl
afrusjajl / tinja
tinja dflmajp
dflmajp
pfrjdjtjl afrkj (ofsil bubi JB, vjbuo ^foujl gdf` ojljmfr MJ njl
>
bdfjlfr, tjlmmj, tggd ait, ndd) gdf` ^fjo tiolyj
Ruppgrt Rfrvibfs

Agopdjil hfrudjlm njdjo aurul wjatu 4 = x Aufsiglfr XI, XK, njl ]gra
6
8> kjo ultua ojsjdj` yjlm sjoj Grnfr 

^foujl `jsid tilnjajl ofdjlmmjr aftfltujl / ^foujl gdf` ojljmfr MJ njl

5 stjlnjr afrkj (hy pjss nrjil JB, ofljopulm
tiolyj
afhgbgrjl, dftja tfroistgr, ilstjdjsi nrjil, ndd)

= Afn
Afnisip
isipdilj
diljl
l RNO (jdpj
(jdpj / ojlmair)
ojlmair) Djpgrjl
Djpgrjl jhsflsi
jhsflsi ajryjwj
ajryjwjl
l

Kjajrtj, ……….., …………………, 83……

Nilidji Gdf` ;
 

Bggrniljtgr Ruppgrt Rfrvibfs

 

  I) OJIL^FLJLBF JB

EGXOVDJRI ^JXMF^
SFLIDJIJL

Sfrsfltjsf pfdjasjljjl prfvfltivf

ojiltfljlbf nihudjl hfrkjdjl
< 90 %
nihjlnilmajl nflmjl rflbjlj afrkj
hudjljl
Kuodj` agopdjil pfr hudjl
nihjlnilmajl kuodj` sfduru` JB sfsuji 4 :3 %
ilvfltjrisjsi

3 (Lgd)
Kuodj` agopdjil / djpgrjl pfr hudjl
afkjnijl

Kuodj` tfoujl ojljmfr MJ njl tiolyj 3 (Lgd)

pfr hudjl tfoujl

Kuodj` agopdjil hfrudjlm 4 = x 8> kjo 3 (Lgd)

pfr hudjl afkjnijl / 3 %

Kuodj` tfoujl ojljmfr MJ njl tiolyj 3 (Lgd)

pfr hudjl afkjnijl

Kuodj` ajryjwjl yjlm ojlmair pfr 3 (Lgd)

hudjl afkjnijl

 Nisftukui Gdf` ; Niaftj`ui Gdf` ;

 

Ojljmfr Ruppgrt Rfrvibfs Uflngr  

 

AFY SFXEGXOJL
SFXEGXOJLBF
BF ILNIBJ^G
ILNIBJ^GX
X (ASI

LG AXI^FXIJ RVOHFX NJ^J

Aflnjrjjl `idjlm njl jtju nirusja (pfbj` ajbj, bglmafd Djpgrjl af`idjlmjl/ pflmrusjajl/
:
 piltu, `idjlm spigl, ndd) afrusjajl aflnjrjjl

Rfouj sjrjlj njl prjsjrjlj pjrair nidjauajl pfofdi`jrjjl Kjnwjd afrkj pfofdi`jrjjl njl huati
8
sfsuji nflmjl kjnwjd yjlm sunj` nitftjpajl  pflmfrkjjllyj

Jlmaj afsjdj`jl prgsfnur afrkj (oflilmmjdajl pgs / jrfj

Aufsiglfr XI njl XK, djpgrjl pjsifl
afrkj, jtrihut afrkj, mrfftilm njl mrggoilm, jdjt afrkj, bfadist
2 af Bustgofr Bjrf, djpgrjl / tfoujl
aflnjrjjl, ndd) yjlm nidjpgrajl gdf` pjsifl jtju nirfasi
ruoj` sjait (dfvfd ojljmfr up) nirfasi

Sflmjturjl pjrair aflnjrjjl `jrus rjpi sfsuji nflmjl

Aufsiglfr XI njl XK, djpgrjl pjsifl
 pfrultuajl njl pflmjturjllyj,
pflmjturjllyj, tinja jnj aflnjrjjl yjlm
> af Bustgofr Bjrf, djpgrjl / tfoujl
 pjrair / stgp tinja pjnj tfopjtlyj njl kumj tinja jnj yjlm
nirfasi
ofdjwjl jrj`

Xfspgl tiof pftumjs njdjo ofohjltu pfoidia aflnjrjjl Aufsiglfr XI njl XK, djpgrjl pjsifl
6 ultua pjrair ojupul afdujr pjrair `jrus bfpjt njl jtju jnj af Bustgofr Bjrf, djpgrjl / tfoujl
sjjt nihutu`ajl, jltrijl piltu afdujr ojasiojd > aflnjrjjl nirfasi

]jatu pfrhjiajl njl jtju pflmmjltijl pfrjdjtjl yjlm

5 nisfwjajl af Xuoj` Rjait jpjhidj oflmjdjoi afrusjajl/ Djpgrjl suohfr
ojupul afrusjajl njri vflngr
djillyj
afmjmjdjl eulmsi

]jatu pfrhjiajl njl jtju pflmmjltijl pfrjdjtjl jogrtisjsi

Djpgrjl afrusjajl njri vflngr
= njl oidia vflngr yjlm oflmjdjoi afrusjajl/ afmjmjdjl
ojupul suohfr djillyj
eulmsi

Aglnisi BB^U `jrus hfreulmsi lgrojd 8> kjo sf`jri, = `jri

^foujl ojljmfr MJ ajrflj tinja jnj
0 sfoilmmu. Djpgrjl aglnisi BB^U ninjpjt njri Rfburity, kiaj
djpgrjl
jnj afrusjajl `jrus nidjpgrajl af ojljmfr Ruppgrt Rfrvibfs

Sflyfrj`jl djpgrjl pflmfdgdjjl pjrair sftijp hudjllyj tfpjt

9 wjatu njl jaurjt, sfhfduo tjlmmjd :3 ultua djpgrjl hudjl ]jatu pflyfrj`jl djpgrjl hudjljl
sfhfduolyj
 

Ojlipudjsi pflnjpjtjl, pjkja njl afkjnijl njdjo Djpgrjl huati pfohjyjrjl pjkja njl
:3
 pflmfdgdjjl pjrair  jnjlyj djpgrjl afkjnijl

Kjajrtj, ……….., …………………, 83……

Nilidji Gdf` ;

Bggrniljtgr Ruppgrt Rfrvibfs

 

  SJXAIX

^JXMF^
EGXOVDJRI SFLIDJIJL

Kuodj` aflnjrjjl `idjlm/ nirusja 3 (Lgd)

ni Faj @gspitjd pfr hudjl afkjnijl

Sfrsfltjsf pfdjasjljjl
 pfofdi`jrjjl nihudjl hfrkjdjl
< 90 %
nihjlnilmajl nflmjl rflbjlj
afrkj

Kuodj` agopdjil / djpgrjl pfr 3 (Lgd)

 hudjl afkjnijl

Kuodj` agopdjil / djpgrjl pfr 3 (Lgd)

 hudjl afkjnijl

Kuodj` agopdjil / djpgrjl pfr 3 (Lgd)

 hudjl afkjnijl

Oudji njri jnjlyj djpgrjl

afrusjajlhfreulmsi
 pfrjdjtjl sjopji nflmjl
lgrojd Ojasiojd
8> kjo 8x
afohjdi

Oudji njri jnjlyj djpgrjl

afrusjajl sjopji nflmjl Ojasiojd = x
 pfrjdjtjl hfreulmsi lgrojd 8> kjo (= `jri)
afohjdi

3 (Lgd)
Kuodj` tfoujl pfr hudjl
afkjnijl

Aftfrdjohjtjl pflyfrj`jl ^inja

djpgrjl hudjljl tfrdjohjt
 

3 (Lgd)
Kuodj` djpgrjl pfr hudjl
afkjnijl

 Nisftukui Gdf` ; Niaftj`ui Gdf` ;

Ojlj
jljmfr Rupp
uppgrt Rfr
frv
vibfs
ibfs Uflngr 
 

AFY SFXEGXOJLBF ILNIBJ^GX (ASI) JOH

LG AXI^FXIJ RVOHFX NJ^J

Huau fapfnisi pfojlmmidjl

Afnjtjlmjl oghid johudjlbf kfljzj` ni Xuoj` Rjait sjjt
: johudjlbf kfljzj` gdf` pftumjs
nipfrduajl / nipjlmmid (oghid hfduo stjlnhy)
IMN

Afdflmajpjl sjrjlj oghid johudjlbf kfljzj` (Dgmg / ljoj, ^foujl / djpgrjl njri pjsifl,
8
djopu sirilf / rgtjtgr, djopu sifl, sjefty hfdt, ndd)  pftumjs MJ (uouo)

Afhfrsi`jl oghid johudjlbf kfljzj` (afrjlnj, ajil pflutup ^foujl / djpgrjl njri pjsifl,
2
afrjlnj, rujlm njdjo / iltfrigr)  pftumjs MJ (uouo)

Afhfrsi`jl njl afrjpi`jl pftumjs johudjlbf kfljzj` (^inja ^foujl / djpgrjl njri pjsifl,
>
 pjaji sfrjmjo afrkj, hju hjnjl, hju rgaga, ndd)  pftumjs MJ (uouo)

^foujl / djpgrjl njri pjsifl,

6 Sfoflu`
Sfoflu`jl
jl stjlnj
stjlnjrr nrivfr
nrivfr johudj
johudjlbf
lbf kfljz
kfljzj`
j` (RIO)
(RIO)
 pftumjs MJ (uouo)

Jlmaj agopdjil / afdu`jl njri pjsifl tfr`jnjp pfdjyjljl Djpgrjl/ agopdjil njri afdujrmj
5
(afrjoj`jl, sgpjl sjltul, afsimjpjl, afpfnudijl, ndd)  pjsifl

Kjajrtj, ……….., …………………, 83……

Nilidji Gdf` ;

Bggrniljtgr Ruppgrt Rfrvibfs

 

  DJLBF KFLJ[J@

^JXMF^
EGXOVDJRI SFLIDJIJL

Kuodj` afnjtjlmjl tfrdjohjt < 53

oflit tjlpj pfohfritj`ujl / nflmjl
≮ 53 oflit
jdjsjl yjlm tinja njpjt nitfrioj
njdjo sfhudjl

Kuodj` agopdjil pfr hudjl ≮ : afkjnijl

Kuodj` agopdjil pfr hudjl ≮ : afkjnijl

Kuodj` agopdjil pfr hudjl ≮ : afkjnijl

3 (Lgd)
Kuodj` agopdjil pfr hudjl
afkjnijl

3 (Lgd)
Kuodj` agopdjil pfr hudjl
afkjnijl

 Nisftukui Gdf` ; Niaftj`ui Gdf` ;

Ojljmfr Ru
Ruppgrt Rf
Rfrvibfs Uflngr