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 g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfhtkqk|fKt n3'ljQ
ljQLo ;+:yfx?nfO{ hf/L ul/Psf]] PsLs[t lgb{]zg, @)&* df ;+zf]wg÷kl/dfh{g yk Joj:yf ;DaGwdf
qm=;+= a'Fbf g+= ljBdfg Joj:yf
1. lgb]{zg g+= !#= nfef+z ljt/0f ;DaGwL Joj:yfM
!÷)&*, a'Fbf jflif{s @) k|ltzteGbf a9L nfef+z -gub jf af]g;_
g+=!# df ljt/0fsf] k|:tfj u/]df @) k|ltzt eGbf dflysf]
;+zf]wg ug]{ . k|:tfljt nfef+zsf] %) k|ltztn] x'g] /sd ;fwf/0f
hu]8f sf]ifdf hDdf ug'{kg{]5 .
2. lgb]{zg g++= -u_ ljkGg tyf Go"g cfo ePsf ;d"xdf cfj4 ePsf
#÷)&* sf] a'Fbf jf gePsf JolQmx?nfO{ :jLsf/of]Uo lwtf] lnO{
g+ @= sf] pka'Fbf s[lif, n3' pBd jf Joj;fo ;~rfng ug{ k|lt
-u_ df ;+zf]wg JolQm a9Ldf ?= & nfv ?k}ofF;Dd n3'shf{
ug]{ . pknAw u/fpg ;lsg]5 . ljut @ jif{b]lv shf{
pkef]u u/L c;n ju{df k/]sf JolQmsf] xsdf ?=
!% nfv ?k}ofF ;Ldf sfod ul/Psf] 5 . ;d"xdf
cfj4 ePsf] ;b:onfO{ Ps} cjlwdf ;d"x shf{
jf lwtf] shf{dWo] s'g} Ps shf{ dfq k|jfx ug{
;lsg]5 .
t/, o; k"j{ k|jfx ePsf] shf{sf] xsdf ;fljs
adf]lhdsf] e'QmfgL tflnsf cg';f/ shf{ r'Qmf
ug{ o; Joj:yfn] afwf k'u]sf] dflgg] 5}g .
3. lgb]{zg g++= -h_ lagf lwtf] ;fd'lxs hdfgLdf jf lwtf]sf ;'/If0fdf
#÷)&* sf] a'Fbf n3'shf{ k|bfg ubf{ Ps C0fLn] PseGbf a9L
g+ @= sf] pka'Fbf n3'ljQ ljQLo ;+:yfaf6 shf{ lnP÷glnPsf]
-h_ df ;+zf]wg (Multiple Banking) PsLg u/L o; Joj:yf
ug]{ . adf]lhdsf] Psn u|fxs shf{ ;Ldf ggf£g] u/L
dfq shf{ k|bfg ug'{ kg]{5 . o; k|of]hgsf nflu
cGo ljQLo ;+:yfaf6 n3'ljQ shf{ lnP÷glnPsf]
;DaGwdf C0fLsf] :j3f]if0ff u/fO{ lnPsf] eP ;f]sf]
1
;+zf]lwt Joj:yf
!#= nfef+z ljt/0f ;DaGwL Joj:yfM
jflif{s !% k|ltzteGbf a9L nfef+z -gub jf af]g;_
ljt/0fsf] k|:tfj u/]df !% k|ltzt eGbf dflysf]
k|:tfljt nfef+zsf] %) k|ltztn] x'g] /sd ;fwf/0f
hu]8f sf]ifdf hDdf ug'{kg{]5 .
-u_ ljkGg tyf Go"g cfo ePsf ;d"xdf cfj4
ePsf jf gePsf JolQmx?nfO{ :jLsf/of]Uo
lwtf] lnO{ s[lif, n3' pBd jf Joj;fo ;~rfng
ug{ k|lt JolQm a9Ldf ?= & nfv ?k}ofF;Dd
n3'shf{ pknAw u/fpg ;lsg]5 . ;d"xdf
cfj4 ePsf] ;b:onfO{ Ps} cjlwdf ;d"x shf{
jf lwtf] shf{dWo] s'g} Ps shf{ dfq k|jfx ug{
;lsg]5 .
t/, o; k"j{ k|jfx ePsf] shf{sf] xsdf ;fljs
adf]lhdsf] e'QmfgL tflnsf cg';f/ shf{ r'Qmf
ug{ o; Joj:yfn] afwf k'u]sf] dflgg] 5}g .
-h_ lagf lwtf] ;fd'lxs hdfgLdf jf lwtf]sf] ;'/If0fdf
n3'shf{ k|bfg ubf{ Pp6f C0fLnfO{ Pp6fdfq
n3'ljQ ljQLo ;+:yfn] o; Joj:yf adf]lhdsf]
shf{ ;Ldf ggf£g] u/L shf{ k|jfx ug'{ kg]{5 .
…sÚ, …vÚ / …uÚ ju{sf a}+s tyf ljQLo
;+:yfx?af6 shf{ lnPsf C0fL n3'ljQ ljQLo
;+:yfaf6 shf{ lng of]Uo x'g] 5}gg\ . o;
k|of]hgsf nflu cGo a}+s tyf ljQLo ;+:yfaf6
 g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfhtkqk|fKt n3'ljQ
ljQLo ;+:yfx?nfO{ hf/L ul/Psf]] PsLs[t lgb{]zg, @)&* df ;+zf]wg÷kl/dfh{g yk Joj:yf ;DaGwdf
ljj/0f ;d]t lng'kg]{5 . Psn u|fxs ;Ldf gf£g] shf{ lnP÷glnPsf] ;DaGwdf C0fLsf] :j3f]if0ff
u/L shf{ k|bfg ul/Psf] cj:yfdf shf{ k|jfx ug]{ u/fpg'sf ;fy} shf{ ;"rgfsf] cfwf/df ;d]t
kl5Nnf] n3'ljQ ljQLo ;+:yfn] ;Ldf eGbf a9L cGo a}+s tyf ljQLo ;+:yfaf6 -n3'ljQ ljQLo
k|jfx ePsf] shf{ /sddf ;t k|ltzt shf{ ;+:yf ;d]t_ shf{ lnP÷glnPsf] osLg ug'{
gf]S;fgL Joj:yf sfod ug'{ kg]{ 5 . kg]{5 .
t/, o;k"j{ k|jfx ePsf] shf{sf] xsdf ;fljs
adf]lhdsf] e'QmfgL tflnsf cg';f/ shf{ r'Qmf
ug{ o; Joj:yfn] afwf k'¥ofPsf] dflgg] 5}g .
;fy}, ;fljsdf o:tf] ;Ldf gf£g] u/L shf{ k|bfg
ul/Psf] cj:yfdf shf{ k|jfx ug]{ kl5Nnf] n3'ljQ
ljQLo ;+:yfn] ;Ldf eGbf a9L k|jfx ePsf] shf{
/sddf ;t k|ltzt shf{ gf]S;fgL Joj:yf sfod
ug'{ kg]5{ .
4. lgb]{zg g+= h= u|fxs ;+/If0f sf]if (Client Protection Fund) ;DaGwL h= u|fxs ;+/If0f sf]if (Client Protection Fund)
$÷)&*, a'Fbf Joj:yf ;DaGwL Joj:yf
g+=!-h_ df -c_ b]xfoadf]lhdsf] /sd C0fLx?sf] lxtdf vr{ -c_ b]xfoadf]lhdsf] /sd C0fLx?sf] lxtdf vr{
;+zf]wg ug]{ . ug]{ u/L cnUu} u|fxs ;+/If0f sf]if -Client ug]{ u/L cnUu} u|fxs ;+/If0f sf]if -Client
Protection Fund_ df hDdf u/L /fVg' kg]{5 M Protection Fund_ df hDdf u/L /fVg' kg]{5 M
-!_ d'gfkmf tyf nfef+z -!_ d'gfkmf tyf nfef+z
-s_ v'b d'gfkmfsf] ! k|ltzt /sd, -s_ v'b d'gfkmfsf] ! k|ltzt /sd,
-v_ jflif{s @) k|ltzteGbf a9L nfef+z - -v_ jflif{s !% k|ltzteGbf a9L nfef+z
gub jf af]g;_ ljt/0fsf] k|:tfj -gub jf af]g;_ ljt/0fsf] k|:tfj
u/]df @) k|ltzteGbf dflysf] u/]df !% k|ltzteGbf dflysf]
k|:tfljt nfef+zsf] @% k|ltztn] x'g] k|:tfljt nfef+zsf] #% k|ltztn] x'g]
/sd . /sd .

2
 g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfhtkqk|fKt n3'ljQ
ljQLo ;+:yfx?nfO{ hf/L ul/Psf]] PsLs[t lgb{]zg, @)&* df ;+zf]wg÷kl/dfh{g yk Joj:yf ;DaGwdf
5. lgb]{zg g++= -t_ ;~rfns lzIff sfo{qmd M -t_ ;~rfns lzIff sfo{qmd M
^÷)&* sf] a'Fbf
g+ @= sf] pka'Fbf -!_ ;+:yfdf gofF ;~rfns lgo'Qm÷dgf]lgt eO{ cfP -!_ ;+:yfdf gofF ;~rfns lgo'Qm÷dgf]lgt eO{ cfP
-t_-#_ yk ug]{ kZrft\ ;DalGwt ;+:yfn] cfˆgf] ;+/rgf, kZrft\ ;DalGwt ;+:yfn] cfˆgf] ;+/rgf,
/ -t_-$_ df Joj;fosf] k|s[lt, ;+:yfut ;'zf;g, ;+:yfut Joj;fosf] k|s[lt, ;+:yfut ;'zf;g, ;+:yfut
;+zf]wg ug]{ . /0fgLlt, Joj;flos of]hgf, ;~rfnssf] /0fgLlt, Joj;flos of]hgf, ;~rfnssf]
st{Jo tyf pt/bfloTj, hf]lvd Joj:yfkgsf st{Jo tyf pt/bfloTj, hf]lvd Joj:yfkgsf
;DaGwdf ckgfOPsf /0fgLlt, ;dli6ut ;DaGwdf ckgfOPsf /0fgLlt, ;dli6ut
cfly{s Pjd\ ljQLo cj:yf, jt{dfg sfg'gL cfly{s Pjd\ ljQLo cj:yf, jt{dfg sfg'gL
Joj:yf, k|rngdf /x]sf a}+lsË ;]jf tyf k4lt Joj:yf, k|rngdf /x]sf a}+lsË ;]jf tyf k4lt
/ o; a}+saf6 hf/L ul/Psf lgb]{zg cflb ljifox? / o; a}+saf6 hf/L ul/Psf lgb]{zg cflb
;d]6L Ps dlxgfleq cled'vLs/0f -Orientation_ ljifox? ;d]6L Ps dlxgfleq cled'vLs/0f
u/fpg' kg]{5 . -Orientation_ u/fpg' kg]{5 .
-@_ ;+:yfn] ;du| a}+lsË k|0ffnLsf] ;+:yfut ;'zf;g -@_ ;+:yfn] ;du| a}+lsË k|0ffnLsf] ;+:yfut ;'zf;g
Pjd\ hf]lvd Joj:yfkgsf] u'0f:t/ ;'wf/ Pjd\ hf]lvd Joj:yfkgsf] u'0f:t/ ;'wf/
ug{sf nflu kf/blz{tf (Transparency), v'nf;f ug{sf nflu kf/blz{tf (Transparency), v'nf;f
(Disclosure), :jfy{sf] åGå (Conflict of (Disclosure), :jfy{sf] åGå (Conflict of
Interest), cg'kfngf (Compliance) / cGo lgofds Interest), cg'kfngf (Compliance) / cGo
lgsfo;Fusf] ;DaGw Pjd\ ;dGjo lgofds lgsfo;Fusf] ;DaGw Pjd\ ;dGjo
nufotsf ljifodf c;n cEof; (Best Practice) nufotsf ljifodf c;n cEof; (Best Practice)
;d]6L cfˆgf ;a} ;~rfnsx?nfO{ ;d]6L cfˆgf ;a} ;~rfnsx?nfO{
cfjZostfg';f/ cled'vLs/0f÷ k'gtf{huL u/fpg] cfjZostfg';f/ cled'vLs/0f÷k'gtf{huL u/fpg]
Joj:yf ldnfpg ;Sg]5g\ . Joj:yf ldnfpg ;Sg]5g\ .
-#_ a'Fbf g+= ! / @ cg';f/ cled'vLs/0f÷ k'gtf{huL
u/fpg] sfo{ g]kfnleq dfq ug'{ kg]{ 5 .

-#_ ;+:yfsf] ;~rfns ;ldltn] a'Fbf g+= ! / @ df ePsf] -$_ ;+:yfsf] ;~rfns ;ldltn] a'Fbf g+= !, @ / # df
3
 g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfhtkqk|fKt n3'ljQ
ljQLo ;+:yfx?nfO{ hf/L ul/Psf]] PsLs[t lgb{]zg, @)&* df ;+zf]wg÷kl/dfh{g yk Joj:yf ;DaGwdf
Joj:yf ;d]6L ;~rfnssf] of]Uotf
tyf a}lsË If]qsf] sfo{ cg'ejsf cfwf/df k|To]s
;~rfnsnfO{ k|bfg ug]{ ;~rfns lzIff
sfo{qmd ;DaGwL sfo{ljlw agfO{ nfu" ug'{ kg]{5 .
6. lgb]{zg g++= %= sd{rf/L bIftf clej[l4 ;DaGwdfM
^÷)&* sf] a'Fbf ;+:yfn] cfkm\gf sd{rf/Lx?sf]] bIftf clej[l4sf
g+ %= sf] klxnf] nflu k|To]s jif{ ut cfly{s jif{sf] sd{rf/Lsf] s'n
x/kmdf ;+zf]wg tnaeQf vr{sf] Go"gtd # k|ltzt /sd tflnd
ug]{ ;fy} ;f]xL tyf j[lQ ljsf;df vr{ ug'{ kg]{5 . t/, of] Joj:yf
a'Fbfsf] pka'Fbf cfly{s jif{ @)&&÷&* sf] nflu clgjfo{ x'g] 5}g .
g+= -h_ df o:tf] vr{ ubf{ lgDgfg';f/sf zt{x? kfngf
;+zf]wg / -em_ ug'{kg]{5 M–
yk ug]{ .
-s_ tflnd tyf j[lQ ljsf; vr{af6 ;+:yfsf ;a}
sd{rf/Lx?n] bIftf clej[l4df ;dfg cj;/
k|fKt ug]{ u/L cfjZos Joj:Yff ldnfpg' kg]{5 .
;fy}, n3'ljQ ljQLo ;+:yfsf ;~rfns ;ldltn]
sd{rf/Lx?sf]] bIftf clej[l4 ;DaGwdf sfo{ljlw
agfO{ nfu" ug'{ kg]{5 .
-v_ ;~rfns ;ldltsf cWoIf, ;~rfns / k|d'v
sfo{sf/L clws[tsf] ljb]z e|d0f ;DaGwL s'g}
klg vr{ / cfˆgf] ;+:yfsf] tkm{af6 k|ltlglwTj
ub}{ ;ef jf ;Dd]ngdf ;xefuL x'Fbfsf] k|ltlglw
d08nsf] vr{ o; cGtu{t ;dfj]z ug{ kfOg]
5}g .
-u_ k|fylds a}lsË sfo{ (Core Banking Functions)
4
ePsf] Joj:yf ;d]6L ;~rfnssf] of]Uotf
tyf a}lsË If]qsf] sfo{ cg'ejsf cfwf/df k|To]s
;~rfnsnfO{ k|bfg ug]{ ;~rfns lzIff
sfo{qmd ;DaGwL sfo{ljlw agfO{ nfu" ug'{ kg]{5 .
%= sd{rf/L bIftf clej[l4 ;DaGwdfM
;+:yfn] cfkm\gf sd{rf/Lx?sf]] bIftf clej[l4sf
nflu k|To]s jif{ ut cfly{s jif{sf] sd{rf/Lsf] s'n
tnaeQf vr{sf] Go"gtd # k|ltzt /sd tflnd
tyf j[lQ ljsf;df vr{ ug'{ kg]{5 . o:tf] vr{ ubf{
lgDgfg';f/sf zt{x? kfngf ug'{kg]{5 M–
-s_ tflnd tyf j[lQ ljsf; vr{af6 ;+:yfsf ;a}
sd{rf/Lx?n] bIftf clej[l4df ;dfg cj;/
k|fKt ug]{ u/L cfjZos Joj:Yff ldnfpg' kg]{5
. ;fy}, n3'ljQ ljQLo ;+:yfsf ;~rfns
;ldltn] sd{rf/Lx?sf]] bIftf clej[l4
;DaGwdf sfo{ljlw agfO{ nfu" ug'{kg]{5 .
-v_ ;~rfns ;ldltsf cWoIf, ;~rfns / k|d'v
sfo{sf/L clws[tsf] ljb]z e|d0f ;DaGwL s'g}
klg vr{ / cfˆgf] ;+:yfsf] tkm{af6 k|ltlglwTj
ub}{ ;ef jf ;Dd]ngdf ;xefuL x'Fbfsf]
k|ltlglw d08nsf] vr{ o; cGtu{t ;dfj]z
ug{ kfOg]5g} .
-u_ k|fylds a}lsË sfo{ (Core Banking Functions)
 g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfhtkqk|fKt n3'ljQ
ljQLo ;+:yfx?nfO{ hf/L ul/Psf]] PsLs[t lgb{]zg, @)&* df ;+zf]wg÷kl/dfh{g yk Joj:yf ;DaGwdf
;Fu k|ToIf ;DalGwt a9Ldf tLg dlxgf;Ddsf]
:jb]zL jf ljb]zL tflnd tyf uf]i7L ;DaGwL
vr{ ;dfj]z ug{ kfOg]5 .
-3_ tflnddf dgf]lgt÷;xefuL x'Fbf a}+ssf]
lgodfg';f/ nfUg] vr{ o; cGtu{t ;dfj]z ug{
kfOg]5 .
-ª_ tflnd k|bfos ;+:yfsf] 5g}f6 ubf{ To:tf]
;+:yfsf] Voflt, k|lti7f / ljZj;gLotfnfO{
cfwf/ agfpg' kg]{5 .
-r_ :jb]zL tflnd tyf uf]i7Lsf] xsdf a}+lsª
If]q;Fu ;DalGwt tflnd k|bfg ug]{ ;+:yf, g]kfn
/fi6« a}+s tyf g]kfn ;/sf/n] cfof]hgf u/]sf
tflnd, uf]i7L, cg'lzIf0f sfo{qmd, ;]ldgf/
cflbdf
;xefuL u/fpFbf nfUg] vr{ tyf ;+:yf cfkm}n]
jf cfˆg} cfjf;Lo tflnd s]Gb| dfkm{t\ tflnd
;~rfng ubf{ nfUg] vr{nfO{ tflnd tyf j[lQ
ljsf; vr{df ;dfj]z ug{ kfOg]5 .
-5_ rfn' cfly{s jif{df sd{rf/Lx?sf]] bIftf
clej[l4df tf]lsP cg';f/ vr{ x'g g;s]df
To:tf] afFsL /sdnfO{ sd{rf/Lsf]] bIftf clej[l4
sf]ifdf hDdf u/L cfufdL cfly{s jif{df vr{
ug{' kg]{5 .
-h_ ;+:yfn] cfˆgf] ;+:yfdf sfo{/t ;xfos :t/b]lv
clws[t :t/;Ddsf sd{rf/Lx?nfO{ a}+lsË
5
;Fu k|ToIf ;DalGwt a9Ldf tLg dlxgf;Ddsf]
:jb]zL jf ljb]zL tflnd tyf uf]i7L ;DaGwL
vr{ ;dfj]z ug{ kfOg]5 .
-3_ tflnddf dgf]lgt÷;xefuL x'Fbf a}+ssf]
lgodfg';f/ nfUg] vr{ o; cGtu{t ;dfj]z
ug{ kfOg]5 .
-ª_ tflnd k|bfos ;+:yfsf] 5g}f6 ubf{ To:tf]
;+:yfsf] Voflt, k|lti7f / ljZj;gLotfnfO{
cfwf/ agfpg' kg]{5 .
-r_ :jb]zL tflnd tyf uf]i7Lsf] xsdf a}+lsª
If]q;Fu ;DalGwt tflnd k|bfg ug]{ ;+:yf,
g]kfn /fi6« a}+s tyf g]kfn ;/sf/n] cfof]hgf
u/]sf tflnd, uf]i7L, cg'lzIf0f sfo{qmd,
;]ldgf/ cflbdf ;xefuL u/fpFbf nfUg] vr{
tyf ;+:yf cfkm}n] jf cfˆg} cfjf;Lo tflnd
s]Gb| dfkm{t\ tflnd ;~rfng ubf{ nfUg]
vr{nfO{ tflnd tyf j[lQ ljsf; vr{df
;dfj]z ug{ kfOg]5 .
-5_ rfn' cfly{s jif{df sd{rf/Lx?sf]] bIftf
clej[l4df tf]lsP cg';f/ vr{ x'g g;s]df
To:tf] afFsL /sdnfO{ sd{rf/Lsf]] bIftf
clej[l4 sf]ifdf hDdf u/L cfufdL cfly{s
jif{df vr{ ug{'kg]{5 .
-h_ ;+:yfn] sd{rf/Lx?nfO{ n3'ljQ sf/f]af/ ;Fu
;DalGwt tflnd k|To]s @ jif{df slDtdf Ps
 g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfhtkqk|fKt n3'ljQ
ljQLo ;+:yfx?nfO{ hf/L ul/Psf]] PsLs[t lgb{]zg, @)&* df ;+zf]wg÷kl/dfh{g yk Joj:yf ;DaGwdf
;DaGwL tflnd k|bfg ug]{ Joj:yf ug'{ kg]{5 . k6s k|bfg ug'{ kg]{5 . ;+:yfdf bIf
n3'ljQ ljQLo ;+:yfn] a}+lsË If]qdf bIf hgzlQmsf] ljsf; ug{sf nflu gofF egf{
hgzlQmsf] ljsf; ug{sf nflu cfˆgf] ;+:yfdf ePsf sd{rf/Lx?nfO{ a}+s k|j]z u/]sf] !
gofF egf{ ePsf sd{rf/Lx?nfO{ a}+s k|j]z u/]sf] dlxgfleq slDtdf b'O{ xKtfsf] cled'vLs/0f
@ jif{leq o; k|sf/sf] tflnd k|bfg u/L ;Sg' tflnd k|bfg ug{'kg]{5 .
kg]{5 .
-em_ ;+:yfn] sd{rf/LnfO{ k|bfg u/]sf] tflndsf]
lzif{s, ldlt, cjlw, tflnd k|fKt ug]{
sd{rf/Lsf] gfdfjnL nufotsf ljj/0f
cfkm\gf] j]a;fO6df cw{jflif{s ?kdf cBfjlws
ug'k{ g]{5 .
7. lgb]{zg g+= !$= ;+:yfut ;fdflhs pQ/bfloTj ;DaGwdf !$= ;+:yfut ;fdflhs pQ/bfloTj ;DaGwdf
^÷)&*, a'Fbf ;+:yfn] ;+:yfut ;fdflhs pQ/bfloTj ;DaGwL ;+:yfn] ;+:yfut ;fdflhs pQ/bfloTj ;DaGwL
g+=!$ df sfo{df yk lqmofzLn x'g jflif{s v'b d'gfkmfsf] sfo{df yk lqmofzLn x'g jflif{s v'b d'gfkmfsf]
;+zf]wg ug]{ . sDtLdf ! k|ltzt 5'§\ofO{ ;+:yfut ;fdflhs sDtLdf ! k|ltzt 5'§\ofO{ ;+:yfut ;fdflhs
pQ/bfloTj sf]ifdf hDdf ug'{ kg]{5 . ;f] sf]ifdf pQ/bfloTj sf]ifdf hDdf ug'{ kg]{5 . ;fy}, jflif{s
hDdf ePsf] /sd lgDgfg';f/ x'g] u/L csf]{ cfly{s !% k|ltzteGbf a9L nfef+z -gub jf af]g;_
jif{df vr{ ug]{ Joj:yf ldnfpg' kg]{5 . ljt/0fsf] k|:tfj u/]df !% k|ltzteGbf dflysf]
k|:tfljt nfef+zsf] !) k|ltztn] x'g] /sd
;+:yfut ;fdflhs pQ/bfloTj sf]ifdf yk hDdf
ug'{ kg]{5 . ;f] sf]ifdf hDdf ePsf] /sd
lgDgfg';f/ x'g] u/L csf]{ cfly{s jif{df vr{ ug]{
Joj:yf ldnfpg' kg]{5 .
8. lgb]{zg g++= xfn gePsf] . @= lgIf]k÷artsf] Jofhb/ ;DaGwdf
!%÷)&* sf] a'Fbf n3'ljQ ljQLo ;+:yfn] k|jfx u/]sf] shf{sf]
g+ @ yk u/L clwstd Jofhb/sf] sDtLdf %) k|ltzt x'g] u/L
qmd;+Vof ldnfg
ug]{ . lgIf]k÷artsf] Go"gtd Jofhb/ to ug'{kg]{5 .