g]kfn /fi6« a}+s lg/LIf0f tyf ;'kl/j]If0f ljlgodfjnL,

@)&$-bf];|f] ;+zf]wg @)*)_

 g]kfn /fi6« a}+s lg/LIf0f tyf ;'kl/j]If0f ljlgodfjnL, @)&$
-bf];|f] ;+zf]wg, @)*) ;d]t ldnfOPsf] ?kdf_
;+zf]wg nfu" ePsf] ldlt
æg]kfn /fi6« a}+s lg/LIf0f tyf ;'kl/j]If0f -klxnf] ;+zf]wg_ ljlgodfjnL, @)&( @)&(÷)(÷)%
æg]kfn /fi6« a}s+ lg/LIf0f tyf ;'kl/j]If0f -bf];|f] ;+zf]wg_ ljlgodfjnL, @)&( @)*)÷!@÷)^

g]kfn /fi6« a}+s P]g, @)%* sf] bkmf *$ sf] pk–bkmf -!_ sf] k|of]hgsf] nflu bkmf !!) sf] pk–bkmf
-@_ sf] v08 -em_ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6« a}+ssf] ;~rfns ;ldltn] b]xfosf
ljlgodx? agfPsf] 5 .

kl/R5]b – !
k|f/lDes
!= ;+lIfKt gfd / k|f/De M -!_ o; ljlgodfjnLsf] gfd æg]kfn /fi6« a}+s lg/LIf0f tyf ;'kl/j]If0f
ljlgodfjnL, @)&$ -bf];|f] ;+zf]wg @)*)_Æ /x]sf] 5 .
-@_ of] ljlgodfjnL t'¿Gt k|f/De x'g]5 .
@= kl/efiff M laifo jf k|;Ën] csf{] cy{ gnfu]df o; ljlgodfjnLdf,–
-s_ æP]gÆ eGgfn] g]kfn /fi6« a}+s P]g, @)%* ;Demg' k5{ .

-v_ æ/fi6« a}+sÆ eGgfn] g]kfn /fi6« a}+s P]g, @)%* sf] bkmf # adf]lhd :yfkgf ePsf]
g]kfn /fi6« a}+s ;Demg' k5{ .
-u_ æ;ldltÆ eGgfn] P]gsf] bkmf !$ adf]lhd u7g ePsf] /fi6« a}+ssf] ;~rfns ;ldlt
;Demg' k5{ .
-3_ æueg{/Æ eGgfn] P]gsf] bkmf !% adf]lhd lgo'Qm /fi6« a}+ssf] ueg{/ ;Demg' k5{ .
-ª_ æ8]k'6L ueg{/Æ eGgfn] P]gsf] bkmf !^ adf]lhd lgo'Qm /fi6« a}+ssf] 8]k'6L ueg{/
;Demg' k5{ .

-r_ æa}+sÆ eGgfn] a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] bkmf $( sf] pkbkmf -
!_ adf]lhdsf] a}+lsª tyf ljQLo sf/f]af/ ug{ ;+:yfkgf ePsf] ;+ul7t ;+:yf ;Demg'
k5{ / ;f] zAbn] g]kfndf /x]sf] ljb]zL a}+ssf] zfvf sfof{no, g]kfndf :yflkt a}+sn]
g]kfn aflx/ vf]n]sf]] zfvf sfof{no tyf ;f] P]gsf] bkmf $( sf] pkbkmf -%_ adf]lhd
sfo{ ug]{ k"jf{wf/ ljsf; a}+s / ;f]sf] zfvf sfof{no ;d]tnfO{ hgfpF5 .
-5_ æljQLo ;+:yfÆ eGgfn] a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhd :yfkgf
ePsf] 'v', 'u', jf '3' ju{sf] Ohfhtkq k|fKt ;+:yf tyf a}+saf6 ljQLo sf/f]jf/ ug{


k|yd ;+zf]wg4f/f ;+zf]lwt

2
 Ohfhtkq k|fKt cGo ;+:yf ;Demg' k5{ / g]kfn ;/sf/n] g]kfn /fhkqdf ;"rgf
k|sflzt u/L ljQLo ;+:yf egL tf]lslbPsf] ;+:yf ;d]tnfO{ hgfpF5 .
-h_ æljefuÆ eGgfn] a}+s jf ljQLo ;+:yfsf] lg/LIf0f tyf ;'kl/j]If0f ug{] a}+ssf ;DalGwt
ljefux¿ ;Demg' k5{ .
-em_ æljefuLo k|d'vÆ eGgfn] a}+s jf ljQLo ;+:yfsf] lg/LIf0f tyf ;'kl/j]If0f ug{] a}+ssf
;DalGwt ljefusf] k|d'v ;Demg' k5{ .
-`_ ælg/LIf0f 6f]nLÆ eGgfn] a}+s jf ljQLo ;+:yfsf] :ynut lg/LIf0f sfo{sf] lgldQ
ljefun] v6fPsf] 6f]nL ;Demg' k5{ .
-6_ ælg/LIfsÆ eGgfn] a}+s jf ljQLo ;+:yfsf] :ynut lg/LIf0f sfo{sf] lgldQ ljefun]
v6fPsf] 6f]nLsf ;b:o ;Demg' k5{ / ;f] zAbn] /fi6« a}s + n] ;f]xL sfo{sf] nflu
v6fPsf ljz]if1 jf ;+:yf ;d]tnfO{ hgfpF5 .
-7_ æ;'kl/j]IfsÆ eGgfn] :ynut, u}/–:ynut nufotsf ;'kl/j]If0f Pjd\ k|ltj]bg
sfof{Gjogdf ;+nUg ljefusf sd{rf/L ;Demg' k5{ .
-8_ ælgodgÆ eGgfn] P]g jf k|rlnt sfg'gn] lbPsf] clwsf/ k|of]u u/L /fi6« a}+saf6a}+s
tyf ljQLo ;+:yfn] kfngf ug{'kg{] egL hf/L u/]sf] lgb{]zg, kl/kq ;Demg' k5{ .
-9_ æcfb]z jf lgb{]zgÆ eGgfn] P]g jf k|rlnt sfg"g adf]lhd/fi6« a}+sn] ;do–;dodf
lbPsf] cfb]z jf lgb{]zg ;Demg' k5{ .
-0f_ ælwtf]kqÆ eGgfn] ;+ul7t ;+:yfn] hf/L u/]sf] z]o/, :6s, a08, l8j]~r/, l8j]~r/
:6s jf ;fd'lxs nufgL of]hgf ;DaGwL k|df0fkq jf g]kfn ;/sf/n] hf/L u/]sf] jf
g]kfn ;/sf/sf] hdfgtdf ;+ul7t ;+:yfn] hf/L u/]sf] C0fkq, artkq jf a08
;Demg' k5{ / ;f] zAbn] lwtf]kq ahf/ dfk{mt sf/f]af/ x'g ;Sg] jf x:tfGt/0f x'g
;Sg] egL g]kfn lwtf]kq af]8{n] tf]lslbPsf] cGo lwtf]kq jfTo:tf] lwtf]kq vl/b,
laqmL jf ljlgdo ug{ ;Sg] clwsf/kq ;d]tnfO{ hgfpF5 .
-t_ æsfo{of]hgfÆ eGgfn] ;DalGwt ljefun] cfufdL cfly{s jif{df ;Dkfbg ug]{ sfo{x?sf]
;dofjlw ;lxtsf] of]hgf ;Demg' k5{ .
-y_ æhf]lvd ljj/0f -l/:s k|f]kmfO{n_Æ eGgfn] hf]lvddf cfwfl/t ;'kl/j]If0f nfu' ul/Psf
a}+s jf ljQLo ;+:yfx?sf] lg/LIf0f tyf ;'kl/j]If0f u/L tof/ ul/g] cGt/lglxt
hf]lvdx? tyf ltgsf] Joj:yfkgsf] u'0f:t/ ;DaGwL ljj/0f ;Demg' k5{ .

-b_ æ;'kl/j]IfsLo ;"rgf k|0ffnLÆ [Supervisory Information System, (SIS)]eGgfn] a}+s
jf ljQLo ;+:yfn] /fi6« a}+sdf k]; ug'{kg]{ tYofÍ jf ljj/0f k]; ug{], ;f] tYofÍsf]
ljZn]if0f ug{] tyf /fi6« a}+sn] a}+s jf ljQLo ;+:yfsf] :ynut lg/LIf0f u/L ;DalGwt
a}+s jf ljQLo ;+:yfdf k|ltj]bg sfof{Gjogsf] nflu k7fpg] nufotsf sfo{ ug]{u/L
;~rfngdf NofOPsf] ;"rgf k|0ffnLnfO{ ;Demg' k5{ .


k|yd ;+zf]wg4f/f yk ul/Psf]

3
 
-w_ æcfO la P;Æ[Individual Bank Supervisor, (IBS)]eGgfn] s'g} Ps a}+s jf ljQLo
;+:yfsf] lgoldt cg'udg tyf ;'kl/j]If0f ug{ ljefuaf6 tf]lsPsf] ;'kl/j]Ifs ;Demg'
k5{ .

-g_ ædxfzfvfÆ eGgfn] ;DklQ z'4Ls/0f lgjf/0f ;'kl/j]If0f dxfzfvf / ljQLo
;dfj]lztf tyf u|fxs ;+/If0f dxfzfvf (Financial Inclusion and Consumer
Protection Division-FICPD) nfO{ hgfpF5 .
kl/R5]b – @
lg/LIf0f tyf ;'kl/j]If0f sfo{ k|0ffnL ;DaGwL Joj:yf
#= jflif{s sfo{of]hgf M -!_ ljefun] cfufdL cfly{s jif{sf] sfo{of]hgf tof/ u/L;+:yfutof]hgf
tyf hf]lvd Joj:yfkgljefu dfkm{t :jLs[t u/fO{ nfu" ug'{kg{]5 .
-@_ ljefun] jflif{s sfo{of]hgf tof/ ubf{ slDtdf klg b]xfosf ljifox?nfO{ ;d]6\g'
kg{]5 M–
-s_ ;dli6ut÷nlIft :ynut lg/LIf0f ul/g] a}+s jf ljQLo ;+:yf,
-v_ u}/–:ynut ;'kl/j]If0f sfo{,
-u_ ljefun] cfly{s jif{df ug]{ cWoog tyf ljz]if sfo{qmdx?,
-3_ ljefuaf6 ;Dkfbg ul/g] sfo{zfnf, uf]i7L, cGt/lqmof, tyf cg'lzIf0f
-ª_ hgzlQm tyf Ifdtf ljsf; sfo{qmd /
-r_ ljefun] cfjZos b]v]sf cGo laifox? .
-#_ ljefun] sfo{of]hgf cg'¿k sfo{ ;Dkfbg eP÷gePsf] af/] /fi6«
a}+ssf];+:yfutof]hgf tyf hf]lvd Joj:yfkg ljefudf q}dfl;s ;dLIff k7fpg' kg]{5 .
$= sfo{of]hgf ;"lrt ug{'kg{] M ljlgod # sf] pk–ljlgod -!_ adf]lhdsf] :jLs[t sfo{of]hgfnfO{
ljefusf]gLlt of]hgf tyf ljZn]if0f OsfO{n] ;DalGwt OsfO{x¿df sfof{Gjogsf nflu k7fpg]5
.
%= lg/LIf0f tyf ;'kl/j]If0fsf k|sf/ M ljefun] ;DalGwt a}+s jf ljQLo ;+:yfsf] lg/LIf0f tyf
;'kl/j]If0f b]xfo adf]lhd ug]{5 M–
-s_ :ynut lg/LIf0fM
-!_ ;dli6ut :ynut lg/LIf0f M ljefun] a}+s jf ljQLo ;+:yfdf lg/LIf0f
6f]nL k7fO{ a}+s jf ljQLo ;+:yfsf] pRr Joj:yfkg / cGo Joj:yfksLo If]qx?


k|yd ;+zf]wg4f/f yk ul/Psf]

k|yd ;+zf]wg4f/f ;+zf]lwt

bf];|f] ;+zf]wg4f/f yk ul/Psf]

4
 h:t}–cGt/lglxt hf]lvd tyf hf]lvd Joj:yfkg, sf]if Joj:yfkg, cfGtl/s
n]vfk/LIf0f, ;"rgf k|ljlw, shf{ Joj:yfkg, lgIf]k Joj:yfkg, ljQ Joj:yfkg,
cfGtl/s lgoGq0f k|0ffnL tyf ;+:yfut ;'zf;g nufotsf If]qx? ;d]l6g] u/L
;dli6ut :ynut lg/LIf0f sfo{ ug]{5 .
-@_ nlIft lg/LIf0f M a}+s jf ljQLo ;+:yfsf] ;du| hf]lvd ljj/0f -l/:s
k|f]kmfOn_ sf] cfwf/df pRr hf]lvd b]lvPsf If]qx¿, u}/:ynut ;'kl/j]If0f OsfO{,
k|ltj]bg sfof{Gjog OsfO{af6 klxrfg ePsf ljifox¿ jf ljefun] dgfl;a 7fg]sf
s'g} ljz]if If]q jf sf/f]jf/sf nflu ljefun] nlIft lg/LIf0f sfo{ ug{ ;Sg]5 .
-#_ ljz]if lg/LIf0f M u}/–:ynut ;'kl/j]If0f, k|ltj]bg sfof{Gjog OsfO{,
;fj{hlgs ;~rf/ dfWod, ljleGg ;/sf/L Pjd\ cGo lgsfox?sf]
cg'/f]w÷lgb]{zg÷cfb]z, ph'/L Pjd\ cGo >f]taf6 k|fKt hfgsf/Lsf] cfwf/df s'g} a}+s
jf ljQLo ;+:yfdf lgIf]kstf{sf] lxt ljkl/t sfo{ eO/x]sf] jf clgoldttf eO/x]sf] jf
a}+s jf ljQLo ;+:yf ;'rf¿ ¿kn] ;~rfng gePsf] jf ;j{;fwf/0fnfO{ unt ;"rgf
k|jfx ul//x]sf] jf hf]lvd ljj/0f -l/:s k|f]kmfO{n_ df ck|Tofl;t kl/jt{g ePsf] eGg]
ljefun] dx;'; u/]df To:tf] a}+s jf ljQLo ;+:yfsf] hf]lvdsf If]qx? ;d]6L ljz]if
lg/LIf0f sfo{ ug{ ;Sg]5 . o:tf] lg/LIf0f cfsl:ds ?kdf klg ug{ ;lsg] 5 .
-$_ cg'udg lg/LIf0f M :ynut lg/LIf0f tyf u}/–:ynut ;'kl/j]If0f
k|ltj]bgdf cf}+NofOPsf s}lkmotx?sf] ;'wf/ ug{ lbO{Psf lgb]{zgx?sf] sfof{Gjogsf]
;DaGwdf a}+sjf ljQLo ;+:yfn] k]z u/]sf] sfuhft k|lt ljefu ljZj:t x'g rfx]df
jf ljefun] cg'udg lg/LIf0f cfjZos 7fg]df a}+s jf ljQLo ;+:yfdf uO{ jf lj:t[t
ljj/0f jf ;"rgfx¿ ljefudf lemsfO{ cg'udg lg/LIf0f sfo{ ug{ ;Sg]5 .
-v_ u}/–:ynut ;'kl/j]If0f M ljefun] a}+s jf ljQLo ;+:yfx?af6 k|fKt ;"rgf, hfgsf/L
Pjd\ ljj/0fx?sf] cfwf/df u}/–:ynut ;'kl/j]If0f ug]{5 .

%-s_= ;DklQ z'4Ls/0f lgjf/0f ;DaGwL lg/LIf0f tyf ;'kl/j]If0fsf] Joj:yfM ;DklQ z'4Ls/0f tyf
cftÍjfbL ultljlwdf ljQLo nufgL lgjf/0f ;DaGwL ljifosf] lg/LIf0f tyf ;'kl/j]If0fsf] sfo{
tf]lsPsf] sfo{If]q tyf sfo{ ljj/0fsf] clwgdf /xL ;DklQ z'4Ls/0f lgjf/0f ;'kl/j]If0f
dxfzfvfn] ug]{5 . pQm sfo{ ubf{ dxfzfvfn] 5'§} toolkit agfO{ nfu" ug{ ;Sg]5 .
%-v_=-c_ ljQLo ahf/ cfr/0f;DaGwL lg/LIf0f tyf ;'kl/j]If0fsf] Joj:yfM ljQLo ;dfj]lztf, ljQLo
;fIf/tf, ahf/ cfr/0f tyf ljQLo u|fxs ;+/If0f;DaGwL ljifosf] lg/LIf0f tyf ;'kl/j]If0fsf]
sfo{ tf]lsPsf] sfo{ ljj/0f / sfo{ljlwsf] clwgdf /xL ljQLo ;dfj]lztf tyf u|fxs ;+/If0f
dxfzfvfn] ug]{5 .


k|yd;+zf]wg4f/f ;+zf]lwt

k|yd ;+zf]wg4f/f yk ul/Psf]

bf];|f] ;+zf]wg4f/f yk ul/Psf]

5
 
-cf_ pQm sfo{sf] nflu dxfzfvfn] 5'§} sfo{ljlw (Manual), Toolkit agfO{ nfu" ug{
;Sg]5 .

-O_ dxfzfvfn] Prudential Supervision ;Fu hf]l8Psf ljifodf ;DalGwt ;'kl/j]If0f
ljefu;Fu ;dGjo ug]{5 .
^= lg/LIf0f tyf ;'kl/j]If0f ;Ë7g M -!_ ljefun] ;Dkfbg ug{] ;a} k|sf/sf lg/LIf0f tyf
;'kl/j]If0f sfo{x? ;d]6\g] u/L ljefuleq b]xfo adf]lhdsf OsfO{x¿ u7g ug{ ;Sg]5 /
ljefun] o:tf OsfO{x¿nfO{ cfjZostf cg';f/ 5'§} jf ;+o'Qm ¿kdf ;d]t sfod u/L sfo{
ug{ u/fpg ;Sg]5 M–
-s_ :ynut lg/LIf0f OsfO{,
-v_ k|ltj]bg sfof{Gjog OsfO{,
-u_ u}/–:ynut ;'kl/j]If0f OsfO{,
-3_ gLlt, of]hgf tyf ljZn]if0f OsfO{,
-ª_ ljz]if lg/LIf0f OsfO{ /
-r_ cfGtl/s k|zf;g OsfO{ .

-5_ ;'kl/j]IfsLo ;"rgf k|0ffnL OsfO{

-@_ pk–ljlgod -!_adf]lhd u7g ul/Psf OsfO{x?df sd{rf/Lsf] Joj:yfkg ug]{
sfo{ ljefuLo k|d'vsf] x'g]5 .
-#_ :ynut lg/LIf0f OsfO{n] sfo{of]hgf cg';f/ a}+s jf ljQLo ;+:yfsf]
;dli6ut :ynut lg/LIf0f tyf cfjZostf cg';f/ nlIft, ljz]if jf cg'udg lg/LIf0f ug]{5
.
-$_ k|ltj]bg sfof{Gjog OsfO{n] b]xfosf sfo{x? ug]{5 M–
-s_ :ynutlg/LIf0f tyf u}/–:ynut;'kl/j]If0f k|ltj]bgsf] cfwf/df ;DalGwt
a}+s jf ljQLo ;+:yfnfO{ lbO{Psf lgb{]zgsf] kfngf eP÷gePsf] cg'udg ug{]
tyf kfngf gePsf] cj:yfdf cfjZos sf/jfxLsf] k|lqmof cl3 a9fpg] .
-v_ lg/LIf0f tyf ;'kl/j]If0f k|ltj]bgsf] cfwf/df ;DalGwt a}+s jf ljQLo
;+:yf;Fu dfu u/]sf] gLlt, of]hgf, sfo{ljlwsf] kof{Kttf tyf s}lkmot ;'wf/
;DaGwdf cWoog ug]{ tyf cfjZos k/]df ;f] ;DaGwdf a}+s jf ljQLo
;+:yf;Fu 5nkmn u/L yk lgb]{zg lbg] .
-u_ k|ltj]bg sfof{Gjog OsfO{n] a}+s jf ljQLo ;+:yfx?sf] ljQLo, Joj:YffksLo,
k"FhL, ljutdf lbPsf lgb]{zg tyf ;f] sf] kfngfsf] cj:yf nufot b]xfosf

k|yd ;+zf]wg4f/f yk ul/Psf]

bf];|f] ;+zf]wg4f/f yk ul/Psf]

6
 hfgsf/Lx?sf] slDtdf ljut kfFr jif{sf] cWofjlws ljj/0fx? tyf clen]v
;DalGwt OsfO{df /fVg' kg]{5 M–
-!_ ljQLo cj:yf b]lvg] kl/;"rsx?,
-@_ ;+rfns ;ldltdf /x]sf kbflwsf/L / xfnsf ;+rfns ;ldltsf
kbflwsf/Lx?sf] lj:t[t ljj/0f,
-#_ pRr Joj:yfkgdf /x]sf sd{rf/Lx?sf] lj:t[t ljj/0f,
-$_ :ynutlg/LIf0f / u}/–:ynut ;'kl/j]If0faf6 lbPsf lgb]{zgx? / pQm
lgb]{zgx?sf] kfngfsf] cj:yf,
-%_ hf]lvd efl/t ;DklQ / pQm ;DklQdf ;'kl/j]IfsLo ;dfof]hg,
-^_ /fi6« a}+sn] hf/L u/]sf] lgodg, cfb]z jf lgb]{zgsf] kl/kfngf
eP÷gePsf] cBfjlws ljj/0f . ;f] gePsf] cj:yfdf /fi6« a}+saf6
lbPsf] lgb]{zg tyf ;f] sf] sfof{Gjogsf] cj:yf,
-&_ :ynut lg/LIf0f tyf u}/–:ynut ;'kl/j]If0f k|ltj]bg,
*_ ;DalGwt a}+s jf ljQLo ;+:yfnfO{ lbO{Psf lgb{]zgsf] kfngf
eP÷gePsf] cg'udg ug{ k|ltj]bg sfof{Gjog OsfO{n] ;Dkfbg u/]sf
sfo{x?,
-(_ nlIft, ljz]if jf cg'udg lg/LIf0f ePsf] eP ;f] ;DaGwL lg/LIf0f
k|ltj]bg, lbO{Psf lgb]{zgx? tyf ;f] sf] kfngf eP÷gePsf] cj:yf,
-!)_ ;DalGwt a}+s jf ljQLo ;+:yfx?n] tof/ u/L sfof{Gjogdf NofPsf
;a} gLlt, sfo{gLlt, dfu{bz{g cflbsf] ljj/0f / ;f] sf] cBfjlws
k|ltlnlk Pjd\ ;f]sf] ljB'tLo k|lt,
-!!_ ;DalGwt a}+s jf ljQLo ;+:yf tyf To:tf ;+:yfsf kbflwsf/Lx?nfO{
sf/jfxL ePsf] eP ;f] sf] cBfjlws ljj/0f, /
-!@_ ljefun] tf]s]sf tyf cfjZos 7fg]sf cGo ljj/0fx? .
-3_ k|ltj]bg sfof{Gjog OsfO{n] v08 -u_ adf]lhdsf ljj/0fx?df Ps?ktf sfod
ug{sf nflu cfjZostf cg';f/ gLlt of]hgf tyf ljZn]if0f OsfO{;Fu ;dGjo
ug'{kg]{5 .
-$s_ a}+s ;'kl/j]If0f ljefudf /xg] ;'kl/j]IfsLo ;"rgf k|0ffnL OsfOn] b]xfosf
sfo{x¿ ug]{5 M–
-s_ ;'kl/j]IfsLo ;"rgf k|0ffnLdf ljsf; ul/Psf df]8\o'nx¿df cfjZostf
adf]lhd yk k|ltj]bgx¿ tof/ ug]{ tyf eljiodf ykx'g] cGo


k|yd;+zf]wg4f/f yk ul/Psf]

7
 df]8\o'nx¿sf] hfgsf/L /fvL pQm k|0ffnLnfO{ k|efjsf/L ¿kdf
sfof{Gjog ug]{ .
-v_ ;'kl/j]IfsLo ;"rgf k|0ffnL sfof{Gjogsf qmddf cfpg] ;d:of, rf;f],
;f]wk'5 cflb pk/ cfjZostf cg';f/ ;ˆ6jo]/ cfk"lt{stf{ sDkgL
;d]tsf] ;dGjodf oyfzL3| ;d:of ;dfwfgsf] kxn ug]{ .
-u_ ;'kl/j]IfsLo ;"rgf k|0ffnLsf] ;Gbe{df ;Dks{ OsfOsf] ¿kdf sfo{ ug]{ .
-3_ ;'kl/j]IfsLo ;"rgf k|0ffnLsf] k|efjsf/L ;~rfngsf nflu cfjZostf
cg'?ksf cGo sfo{ ug]{ .
-%_ u}/–:ynut ;'kl/j]If0f OsfO{n] ;DalGwt a}+s jf ljQLo ;+:yfaf6 k|fKt ljQLo
ljj/0f Pjd\ ;"rgfsf] cfwf/dfb}lgs, ;fKtflxs, dfl;s, q}dfl;s, cw{jflif{s / jflif{s ¿kdf
lgoldt cg'udg ug]{, ;f]sf cfwf/dfljQLo ljZn]if0f ug{] / k|rlnt sfg'g tyf /fi6« a}+sn]
lbPsf lgb{]zg kfngf eP÷gePsf] k/LIf0f ug{]5 . ;f] OsfOn] a}+sx¿af6 dfluPsf jf k]; x'g
cfPsf t/ntf nufot cGo ljj/0fsf] ;'Id cWoog / ljZn]if0f ug]{, P;cfOP; ;DaGwL
tf]lsPsf] k|s[of adf]lhdsf] sfo{ ug]{, ljleGg tYofÍ tyf dfGotfsf] cfwf/df a}+s jf ljQLo
;+:yfx¿sf] bafa k/LIf0f -:6«]; 6]l:6+u_ ug]{÷ug{ nufpg], cWoog / k/LIf0fsf] lgisif{
;DalGwt OsfO{, lgsfo jf kbflwsf/Lx¿nfO{ hfgsf/L u/fpg] h:tf sfo{ ug]{5 .
-^_ gLlt of]hgf tyf ljZn]if0f OsfO{n] ljefuLo sfo{of]hgf th'{df ug]{, sfo{of]hgf
cg'¿k :ynut lg/LIf0fsf] q}dfl;s of]hgf tof/ ug]{, lg/LIf0f tyf ;'kl/j]If0f;Fu ;DalGwt
/fli6«o Pjd\ cGt/f{li6«o ljifoj:t'x¿sf] cWoog ug]{, ljleGg ljefux¿af6 /fo Pjd\ ;'emfj
dfu ul/Psf ljifo j:t'pk/ ljefuLo /fosf] d:of}bf tof/ ug{], ljefusf] hf]lvd clws[tsf]
?kdf sfo{ ug]{, ljefusf] sfd sf/jfxLsf] q}dfl;s tyf jflif{s k|ltj]bg tof/ ug]{ tyf
ljefuLo k|d'vn] tf]s]sf cGo sfo{x¿ ;Dkfbg ug{]5 .
-&_ cfGtl/s k|zf;g OsfO{n] ljefusf sd{rf/Lx¿sf] clen]v, ;?jf, a9'jf, labf
;DaGwL clen]v, xflh/L, e|d0f Joj:yf ;DaGwL sfo{, jflif{s sfo{of]hgf cGtu{t ;Dkfbg
ug{'kg{] ljefuLo ;]ldgf/ Pjd\ uf]i7L cfof]hgf ;DkGg ug]{ sfo{, jflif{s sfo{ of]hgfsf]
q}dfl;s k|ult ljj/0f tof/ ug]{ sfo{, ljefuLo k':tsfno ;~rfng, ljefuLo sd{rf/L a}7s
Joj:yfkg, sfof{no Joj:yfkg Pjd\ ljefuLo k|d'vn] tf]s]sf cGo sfo{x¿ ;Dkfbg ug{]5 .
-*_ ljefuLo k|d'vn] pk–ljlgod -!_adf]lhd ul7t OsfO{x¿ aLr ;dGjo sfod
u/fO{ cfjZostf cg';f/ sfd u/fpg' kg]{]5 . ;fy} pkTosf aflx/ cjl:yt a}+s jf ljQLo
;+:yfx?sf] lg/LIf0f tyf ;'kl/j]If0fsf nflu cfjZostfg';f/ a}ssf] pkTosf aflx/sf
sfof{noaf6 cfjZos ;xof]u ;d]t lng ;Sg]5 .


k|yd;+zf]wg4f/f ;+zf]lwt

8
 -(_ ljefuLo k|d'vn] k|ltj]bgsf] u'0f:t/ Pjd\ Ps?ktf sfod ug{ cfGtl/s ?kdf
k|ltj]bgsf] k'g/fjnf]sg ug]{ cfjZos Joj:Yff ldnfpg]5 .
-!)_ ;a} sd{rf/Ln] ljefuLo sfd l;Sg] / ;Dkfbg ug{;Sg] jftfj/0f tof/ ug{ /
ljefuLo sfdsf] u'0f:t/ a9fpg ljefuLo k|d'vn] cfjZostfg';f/ cfGtl/s ;¿jf ug{
;Sg]5 .
kl/R5]b – #
lg/LIfs tyf ;'kl/j]Ifssf] cfrf/;+lxtf, pQ/bfloTj, st{Jo Pjd\ ;'/Iff ;DaGwL Joj:yf
&= lg/LIfs tyf ;'kl/j]Ifssf] cfrf/;+lxtf M k|To]s lg/LIfs tyf ;'kl/j]Ifsn] b]xfo adf]lhdsf]
cfrf/;+lxtf kfngf ug{' kg{]5 M–
-s_ lg/LIf0f tyf ;'kl/j]If0f;Fu;DalGwt sd{rf/Lx?n] pRr lgi7f Pjd\ pRr dgf]jn
;lxt :jtGq ?kdf cfˆgf] sfo{ ;Dkfbg ug'{ kg]{5 . P]g, k|rlnt sfg"g, lgodg,
cfb]z tyf lgb{]zg kfngf u/fpg] ;Gbe{df lg/LIfs jf ;'kl/j]Ifs b[9 x'g' kg{]{5 .
-v_ lg/LIfs jf ;'kl/j]Ifsn] lg/LIf0f ul/g] a}+s jf ljQLo ;+:yf;Fu pRr Joj;flos tyf
lzi6 Jojxf/ ug{' kg{]5 . lg/LIf0f tyf ;'kl/j]If0f ul/Psf] ;+:yfsf u|fxsx?;Fu ;Dks{
ubf{ ;+:yfsf] kbflwsf/Lsf] pkl:yltdf ug'{ kg]{5 .
-u_ lg/LIfs jf ;'kl/j]Ifsn] a}+saf6 O{hfhtkqk|fKt ;+:yfx?sf] lwtf]kqx? bf]>f] ahf/
dfkm{t vl/b ug'{ x'+b}g .
-3_ lg/LIfs jf ;'kl/j]Ifs :jod\ jf lghsf] Psf3/ kl/jf/sf] ;b:on] /fi6« a}+saf6
Ohfhtkq k|fKt s'g} a}+s jf ljQLo ;+:yfdf cfˆgf] ;+:yfks jf Ps k|ltzt jf
;f]eGbf a9L z]o/ nufgL u/]sf] eP jf ;f] ;+:yfsf] ;~rfns, k|d'v sfo{sf/L clws[t
jf pRr kbflwsf/L cfˆgf] Psf3/ kl/jf/ jf Joj;fosf] ;fem]bf/ /x]sf] eP ;f]sf]
hfgsf/L ljefuLo k|d'v ;dIf lnlvt¿kdf k]z ug{' kg{]5 .
-ª_ lg/LIfs jf ;'kl/j]Ifsn] pRr g}lts rl/q sfod ub}{ nIo pGd'v /xL JolQmut lxt
;+nUg x'g] ;j} k|sf/sf cj:yfx¿af6 6f9f /xg' kg]{5 . lg/LIf0f tyf ;'kl/j]If0f ul/g]
;+:yfåf/f cfof]lht ;fj{hlgs sfo{qmd jfx]ssf kf6L{, ef]h cflbdf ;l/s x'g' x+'Fb}g .
-r_ lg/LIfs jf ;'kl/j]Ifsn] lg/LIf0fsf] l;nl;nfdf ;DalGwt a}+s jf ljQLo ;+:yfsf]
Joj:yfkg ;DaGwdf k|Zg p7fpg, ;dfnf]rgf ug{ jf ;'emfj lbg ;Sg]5 . lg/LIf0f
tyf ;'kl/j]If0fsf] l;nl;nfdf pknAw ;"rgf tyf ljj/0fx? ;DalGwt kbflwsf/L /
clVtof/jfnf ;+:yfx? afx]s cGoq k|jfx ug'{ x'b}g . hf]lvd ljj/0f -l/:s k|f]kmfOn_,
Sofd]N; /]l6Ë, ;'kl/j]IfsLo /]l6Ë / ;'kl/j]If0fsf] lgisif{nfO{ ;'kl/j]IfsLo k|of]hgdf
dfq k|of]u ug'{ kg]{5 .+
-5_ a}+s jf ljQLo ;+:yfsf lqmofsnfknfO{ Joj:yfkg ug{] k|fylds bfloTj ;DalGwt a}+s
jf ljQLo ;+:yfsf] xf] eGg] s'/f lg/LIfs jf ;'kl/j]Ifsn] ;b}j dgg\ ug{' kg]{5 .
-h_ lg/LIfs jf ;'kl/j]Ifsn] 8/, qf;, wfs, wDsL, nf]e, nfnr, k|ltzf]w, cf:yf,
df]nflxhf cflbdf gk/L :jtGq / lgle{s¿kn] cfˆgf] st{Jo lgjf{x ug{' kg{]5 .

9
 -em_ lg/LIfs jf ;'kl/j]Ifsn] cfkm\gf] lghL sfd tyf :jfy{sf] nflu a}+s jf ljQLo ;+:yfsf]
;jf/L ;fwg k|of]u ug{, a}+lsË ;]jfdf JolQmut nfe x'g] u/L ;'ljwf dfu ug{ / s'g}
klg k|sf/sf pkxf/x? lng' x'bF }g .
*= ljefuLo sf/jfxL x'g ;Sg] M -!_ ljlgod & adf]lhd pNn]lvt cfrf/;+lxtfsf] kfngf ug'{
;DalGwt lg/LIfs jf ;'kl/j]Ifssf] st{Jo x'g]5 .
-@_ lg/LIf0f k|ltj]bg tof/ ubf{ jf ;f] ;Fu ;DalGwt s'g} klg ljj/0f tof/ kfbf{ P]g,
k|rlnt sfg"g, lgodg, cfb]z tyf lgb{]zgsf] clwgdf /xL sfo{ ug'{ ;DalGwt lg/LIfs jf
;'kl/j]Ifssf] st{Jo x'g]5 .
-#_ pk–ljlgod -!_ / -@_ adf]lhdsf k|fjwfgx? kfngf gug]{ lg/LIfs jf
;'kl/j]IfsnfO{ g]kfn /fi6« a}+s sd{rf/L ;]jf ljlgodfjnL, @)^* sf] ljlgod !$$ jf
ljlgod !$% adf]lhd ljefuLo sf/jfxL ul/g]5 .
(= lg/LIfs tyf ;'kl/j]Ifssf] pQ/bfloTj M lg/LIfs tyf ;'kl/j]Ifsn] o; ljlgodfjnL adf]lhd
a}+s jf ljQLo ;+:yfsf] lg/LIf0f Pjd\ ;'kl/j]If0f lgwf{l/t ;doleq ;Dkfbg u/L lgwf{l/t
;doleq} ljefuLo k|d'v ;dIf k|ltj]bg k]z ug{' kg{]5 .
!)= lg/LIf0f tyf ;'kl/j]If0f ubf{ lg/LIfs tyf ;'kl/j]Ifsn] cjnDag ug'{kg]{ dfkb08 M -!_
lg/LIfs tyf ;'kl/j]Ifsn] a}+s jf ljQLo ;+:yf ;DaGwL k|rlnt sfg"g, lgod, a}+s jf ljQLo
;+:yfsf] sfd st{Jo, shf{ nufgL, a}+lsË sf/f]jf/df cGt/lglxt hf]lvd tyf ltgsf]
Joj:yfkg, sf]if Joj:yfkg gLlt, lgIf]k ;DaGwL lgodsf ;fy} Joj:yfkg Pjd\ ;Ë7g cflb
ljifox¿sf] ;d'lrt hfgsf/L /fVg' kg]{5 . ;fy}, lg/LIfs tyf ;'kl/j]Ifsn] /fi6« a}+saf6 hf/L
ePsf] lgodg, cfb]z tyf lgb]{zgdf /x]sf k|fjwfg ;d]tsf cfwf/df lg/LIf0f tyf
;'kl/j]If0fsf sfo{x? ug'{ kg]{5 .
-@_ lg/LIfs tyf ;'kl/j]Ifsn] lg/LIf0f ul/g] sfof{nosf] b}lgs sfd sf/jfxLdf
;se/ jfwf gkg{] u/L cfjZos ljj/0f tyf sfuhft dfu ug{' kg{]5 .
-#_ ph'/L k/]sf ljifo pk/ lg/LIf0f tyf ;'kl/j]If0f ubf{ lg/LIfs jf ;'kl/j]Ifsn]
ljj]s k'¥ofP/ s'zntfsf ;fy sfo{ ;Dkfbg ug{' kg]{5 .
-$_ lg/LIf0f tyf ;'kl/j]If0f ubf{ s'g} q'6L b]lvg cfPdf ;f] q'6L Plsg ePkl5 dfq
;'wf/sf] nflu ;DalGwt a}+s jf ljQLo ;+:yfnfO{ lgb{]zg lbg' kg{]5 .
-%_ 6f]nL k|d'vn] 6f]nL ;b:o aLr ;fd~h:otf sfod u/L ;fd'lxs 9+un] lg/LIf0f
sfo{ ;Dkfbg ug{' kg]5
{ .
-^_ 6f]nL ;b:on] 6f]nL k|d'våf/f ;'lDkPsf] lg/LIf0f ;DaGwL sfo{ / lhDd]jf/L
nugzLntf tyf OdfGbf/Lk"j{s ;DkGg ug{' kg]{5 .
-&_ 6f]nL ;b:on] cfk"mn] ;Dkfbg ug{] lg/LIf0f sfo{;Fu ;DalGwt ljifodf a}+s jf
ljQLo ;+:yfsf sd{rf/L;Fu ;f]wk'5 u/L cfjZos hfgsf/L lng;Sg]5 .
t/, a}+s jf ljQLo ;+:yfsf] Joj:yfkg;Fu 5nkmn ug{' k/]df 6f]nL k|d'v
dfkm{tug{' kg{]5 .

10
 -*_ lg/LIf0f jf ;'kl/j]If0fsf] qmddf s'g} ;Dj]bgzLn ljifo b]lvPdf 6f]nL k|d'vn] ;f]
lg/LIf0f;Fu ;DalGwt lgb]{zs dfkm{t ljefuLo k|d'vnfO{ tTsfn} df}lvs jf lnlvt?kdf
hfgsf/L u/fpg' kg{]5 .
-(_ lg/LIfs tyf ;'kl/j]Ifsn] k|ltj]bgdf pNn]v u/]sf ljifoj:t' afx]ssf ;"rgf tyf
hfgsf/Lx?df ;d]t uf]klgotf sfod ug'{ kg]{5 .
!!= lg/LIf0f tyf ;'kl/j]If0fdf ;+nUg sd{rf/Lsf] ;'/Iff M -!_ lg/LIf0f tyf ;'kl/j]If0f;Fu;DalGwt
sd{rf/Lx?nfO{ st{Jo kfngfsf] l;nl;nfdf s'g} klg k|sf/sf] 8/, qf;, wfs, wDsL, nf]e,
nfnr, df]nflxhfsf] cj:Yff cfOk/]df ;DalGwt lgb]{zs dfkm{t ljefuLo k|d'v ;dIf hfgsf/L
u/fpg' kg]{5 .
-@_ lg/LIf0f tyf ;'kl/j]If0fsf qmddf cfO{kg]{ sd{rf/Lsf] ;'/Iff hf]lvd ;DaGwdf
;DalGwt sd{rf/Laf6 hfgsf/L k|fKt ePkl5 ljefuLo k|d'vn] ;'/Iffsf] Joj:yfsf nflu
ueg{/sf] :jLs[lt lnO{ ;'/Iff lgsfosf] ;xof]usf nflu n]vL k7fpg ;Sg]5 .
-#_ lg/LIf0f tyf ;'kl/j]If0fsf qmddf ;'/Iff ;DaGwL hf]lvd pTkGg x'g] ePdf
ljefuLo k|d'vn] ;DalGwt sd{rf/LnfO{ ;f] sfo{ ;DkGg gx'Fb} To:tf] sfo{af6 lkmtf{ af]nfpg
;Sg]5 .
-$_ lg/LIf0f tyf ;'kl/j]If0fdf ;+nUg sd{rf/Ln] st{Jo kfngfsf] qmddf ;'kl/j]IfsLo
bfloTj lgjf{x ubf{ c;n dg;fon] u/]sf] sfo{sf] k|lt/Iff /fi6« a}+sn] ug]{5 tyf ;f]af6pTkGg
x'g] s'g} klg k|sf/sf] sfg'gL bfloTj lghn] JolQmut ?kdf Joxf]g'{ kg]{ 5}g .
-%_ a}+s jf ljQLo ;+:yfn] k]z u/]sf ;"rgf, tYofÍ, ljj/0f, k|ltj]bg tyf
sfuhftx? ;xL, oyfy{k/s Pjd\ jf:tljs geO{ km/s kg{ uPdf unt ;"rgf ;Dk|]if0fsf
sf/0f pTkGg x'g] hf]lvd k|lt lg/LIfs tyf ;'kl/j]Ifs hjfkmb]xL x'g] 5}g .
-^_ sd{rf/L ;'/Iffsf nflu ljefun] kof{Kt ;ts{tf ckgfpg] 5 . s'g} klg
sd{rf/LnfO{ st{Jo kfngfsf qmddf JolQmut ?kdf c;'/lIft x'g] cj:yf l;h{gf x'g glbg
ljefun] cfjZos Joj:yf ldnfpg' kg]{5 .

kl/R5]b – $
:ynut lg/LIf0f;DaGwL Joj:yf
!@= :ynut lg/LIf0f sfo{ljlw -Dofg'cn_ adf]lhd lg/LIf0f ug{'kg{] M /fi6« a}+sn] a}+s jf ljQLo
;+:yfsf] :ynut lg/LIf0f ubf{ :jLs[t :ynut lg/LIf0f sfo{ljlw -cg ;fO6 Dofg'cn_
adf]lhd ug'{kg]{5 .
!#= :ynut lg/LIf0f ug'{cl3 k"j{tof/L ug{'kg]{ M -!_ a}+s jf ljQLo ;+:yfsf] :ynut lg/LIf0fsf
nflu lg/LIf0f 6f]nL u7g ubf{ lg/LIf0fsf] sfo{ ;Dkfbgsf] nflu cfjZos kg]{ sd{rf/Lx¿ /xg]
u/L 6f]nL agfpg' kg{]5 .


k|yd ;+zf]wg4f/f ;+zf]lwt

11
 -@_ ljefun] ;dli6ut :ynut lg/LIf0f ug{'k"j{ ;DalGwt a}+s jf /fli6«o :t/sf] ævÆ
ju{sf] ljQLo ;+:yfx?df ;fdfGotof kGw| lbg cufj} lg/LIf0fsf] nflu cfjZos kg{]
sfuhftx?sf] ;"rL ;lxt n]vL k7fpg' kg{]5 . t/ nlIft,ljz]iftyf cg'udg :ynut
lg/LIf0fsf] xsdf eg] k"j{ tof/Lsf] ;do ljefun] to ug{ jf gug{ ;Sg]5 .
-#_ ;dli6ut :ynut lg/LIf0f ug{' k"j{ lg/LIf0f 6f]nLn] ;DalGwt a}+s jf ljQLo
;+:yfsf] kl5Nnf] tLg jif{sf] lg/LIf0f k|ltj]bg, ;f] sf] sfof{Gjog l:ylt, k|ltj]bg sfof{Gjog
OsfO{{sf] k|ltj]bg tyf u}/–:ynut ;'kl/j]If0f k|ltj]bg nufot cfjZos ;"rgf ;+sng ug{'
kg{]5 .
-$_ hf]lvddf cfwfl/t :ynut lg/LIf0f ug{' k"j{ lg/LIf0f 6f]nLn] lg/LIf0f ug]{ ;+:yfsf]
cBfjlws hf]lvd ljj/0f -l/:s k|f]kmfO{n_ cg';f/ ;+:yfsf] hf]lvdo'Qm If]qx? klxrfg u/L
hf]lvdo'Qm If]qx?sf] ljZn]if0f u/]/ lg/LIf0fsf] sfo{ If]q tyf ;Ldf lgwf{/0f ug'{ kg]{5 / ;f] sf]
nflu nfUg] ;do, k|To]s lg/LIfssf] lhDd]jf/L nufotsf ljifox? ;d]6L ljefun] tf]s]sf]
9f+rfdf lg/LIf0fsf] sfo{ If]q -:sf]k d]df]/]08d_tof/ u/L ljefuLo k|d'vaf6 :jLs[t u/fpg'
kg]{5 .
-%_ ;dli6ut :ynut / nlIft lg/LIf0fdf hfg'k"j{ ljefun] ;fdfGotof ;ft lbg cl3
lg/LIf0f 6f]nLsf k|d'v tyf ;b:ox?sf] gfd ;dfj]z u/L lg/LIf0f z'? x'g] lbg tf]s]/
;DalGwt a}+s jf ljQLo ;+:yfdf kq k7fpg' kg]{5 .
!$= ;dli6ut :ynut lg/LIf0fM- !_ ljefu ÷dxfzfvfn] sfo{of]hgf cGtu{t /xL a}+s jf
ljQLo ;+:yfsf] ;dli6ut :ynut lg/LIf0f ug{]5 . t/, b'O{ ;dli6ut :ynut lg/LIf0f cjlw
aLrsf] cGt/ b'O{jif{ eGbf a9L x'g] 5}g .
-@_ ;dli6ut :ynut lg/LIf0f ubf{ a}+s jf ljQLo ;+:yfsf] Joj;fodf cGt/lglxt
ljleGg k|sf/sf hf]lvd Go"lgs/0f ug{ ;+:yfdf k|o'Qm k|0ffnL kof{Kt eP gePsf] x]g{' kg{]5 .
-#_ ;dli6ut :ynut lg/LIf0fleq ;fdfGotof b]xfosf ljifoj:t'x¿ ;dfj]z ug{'
kg{]5 M–
-s_ ;~rfns ;ldltsf] u7g / a}7ssf lg0f{ox?,
-v_ /0fg}lts sfo{of]hgf,
-u_ Joj;flos sfo{of]hgf,
-3_ cfGtl/s lgoGq0f k|0ffnL,
-ª_ k'FhLof]hgf tyf k'FhLsf]if kof{Kttf,
-r_ sf]ifPjd\ ;DklQ tyf bfloTj Joj:yfkg,
-5_ shf{ k|zf;g, gLlt, lgb{]lzsf, ;Dkltsf] u'0f:t/ tyf shf{ hf]lvd Joj:yfkg,


bf];|f] ;+zfwg4f/f yk ul/Psf]

12
 -h_ t/ntf, ahf/, Aofhb/ tyf ;+rfng hf]lvd Joj:yfkg,
-em_ ljb]zL ljlgdo sf/f]jf/ tyf ljb]zL ljlgdo hf]lvd Joj:yfkg,
-`_ ;du| hf]lvd Joj:yfkg,
-6_ jf;nftaflx/sf sf/f]jf/x¿sf] l:ylt,
-7_ Joj:yfkg ;"rgf k|0ffnL, clen]v k|0ffnL / ;'/Iff,
-8_ dfgj ;+zfwg Joj:yfkg,
-9_ ;DklQz'4Ls/0f lgjf/0f sfg"g / lgb]{zgsf] sfof{Gjog cj:yf,
-0f_ ;DalGwt a}+s jf ljQLo ;+:yfx?n] tof/ u/L sfof{Gjogdf NofPsf ;a} gLlt,
sfo{ljlw, dfu{bz{g -Dofg'cn, ufO{8nfO{g_ cflbsf] ljj/0f / ;f] sf] cWofjlws
cj:yf,
-t_ k|rlnt sfg'g tyf /fi6« a}+saf6 hf/L ul/Psf lgodg, cfb]z tyf lgb]{zgsf]
cg'kfngfsf] cj:yf /
-y_ ljefun] tf]s]sf tyf cfjZos 7fg]sf] cGo ljifo tyf If]qx? .
!%= zfvf lg/LIf0f M -!_ ;dli6ut lg/LIf0fsf] qmddf a}+sjf ljQLo ;+:yfsf] lg/LIf0f ug{'kg{]
zfvfx?sf] 5gf}6 ;DalGwt lgb]{zssf] ;dGjodf lg/LIf0f 6f]nLn] ug{]5 .
-@_ pk–ljlgod -!_ adf]lhd zfvfsf] 5gf}6 ubf{ ;fdfGotof zfvfsf] shf{ sf/f]jf/
tyf hf]lvdsf] cj:yfnfO{ cfwf/ agfpg' kg{]5 .
-#_ zfvfsf] lg/LIf0faf6 b]lvPsf s}lkmotx¿nfO{ ;d]t ;dli6ut :ynut lg/LIf0f
k|ltj]bgdf ;dfj]z ug{' kg{]5 .
-$_ ljefuLo k|d'vn] cfjZos 7fg]df a}+s jf ljQLo ;+:yfsf zfvfx¿sf] nlIft,
ljz]if, cg'udg tyf :ynut lg/LIf0f u/fpg ;Sg]5 .
!^= kl/of]hgf lg/LIf0f ug{;Sg] M -!_ :ynut lg/LIf0fsf] qmddf lg/LIf0f 6f]nLn] cfjZostfg';f/
;DalGwt a}+s jf ljQLo ;+:yfsf C0fLx?sf] kl/of]hgf lg/LIf0f ug{ ;Sg]5 .
-@_ pk–ljlgod -!_adf]lhd kl/of]hgf lg/LIf0f ubf{ b]lvPsf s}lkmotx¿ ;d]t
k|ltj]bgdf pNn]v ug{' kg{]5 . ;fy}, o;/L lg/LIf0f ul/Psf kl/of]hgfsf] ljj/0f ljefun]] tf]s]
adf]lhdsf] 9fFrfdf tof/ u/L lg/LIf0f k|ltj]bgsf] 5'§} cg';"rLdf ;d]t b]vfpg' kg]{5 .
!&= lg/LIf0f 6f]nL M -!_ ljefuLo k|d'vn] :ynut lg/LIf0f ug{ ;DalGwt a}+s jf ljQLo ;+:yfdf
;fdfGotof ljefusf] pk–lgb]{zs 6f]nL k|d'v /xg] u/L lg/LIf0f 6f]nL v6fpg ;Sg]5 .
:ynut lg/LIf0fdf vl6Psf lg/LIf0f 6f]nLn] ug]{] sfo{sf] cg'udg tyf dfu{bz{g ljefun]
tf]s]sf] lgb]{zsn] ug]{5 .
-@_pk–ljlgod -!_adf]lhdsf] lg/LIf0f 6f]nLdf a}+s jf ljQLo ;+:yfsf] sf/f]jf/ x]/L
cfjZostfg';f/ lg/LIfs /xg ;Sg] 5g\ . pQm 6f]nLdf cfjZostf cg';f/ cGo
ljefu÷dxfzfvf jf OsfO{sf k|ltlgwL ;d]t ljz]if1sf ?kdf /xg ;Sg] 5g\ .

13
 -#_ lg/LIf0f 6f]nLsf ;b:o aLr sfo{ ljefhg ug{] pQ/bfloTj 6f]nL k|d'vsf] x'g]5 .
-$_ 6f]nL k|d'vn] lg/LIf0fsf] l;nl;nfdf ;DalGwt a}+s jf ljQLo ;+:yf;Fu dfu u/]sf
;Dk"0f{ sfuhftsf] ;d'lrt Joj:yfkg ug{'÷u/fpg' kg{]5 .
-%_ lg/LIf0fsf] l;nl;nfdf 6f]nLsf ;b:on] k|fKt u/]sf tYo, s}lkmot Pjd\ cGo
;DalGwt ljifo 6f]nL k|d'v ;dIf k]z ug{' kg{]5 . 6f]nL k|d'vn] 6f]nL;Fu cfjZos ;Nnfx u/L
To:tf ljifonfO{ k|ltj]bgsf] c+zsf] ¿kdf /fVg] ;xdlt lbPkl5 tL ljifo k|ltj]bgdf ;dfj]z
ul/g] 5g\ .
-^_ lg/LIf0fsf] l;nl;nfdf a}+s jf ljQLo ;+:yfnfO{ tTsfn} s'g} lgb{]zg lbg'kg{] ePdf
6f]nL k|d'vn] lnlvt lgb]{zg lbg ;Sg]5 . o;/L lbOPsf] lgb]{zgsf] hfgsf/L 6f]nL k|d'vn]
df}lvs jf lnlvt ?kdf ;DalGwt lgb]{zs dfkm{t ljefuLo k|d'vnfO{ oyfzL3| u/fpg' kg]{5 .
-&_ pk–ljlgod -^_ adf]lhd lbOPsf] lgb{]zgnfO{ ljifosf] uflDe/tf x]/L ljefuLo
k|d'vn] 8]k'6L ueg{/ tyf ueg{/nfO{ hfgsf/L lbg' kg{]5 .
!*= shf{ kmfOn 5gf}6 M -!_ :ynut lg/LIf0f sfo{ljlwdf plNnlvt ljlw Pjd\ k|lqmof cGtu{t /xL
lg/LIf0f 6f]nLn] shf{ kmfOn 5gf}6 ug{' kg{]5 .
-@_ pk–ljlgod -!_ adf]lhd 5gf]6 ul/Psf kmfOnx?af6 lg/LIf0fsf] ;dofjlw, a}+sjf
ljQLo ;+:yfsf] s"n shf{ aSof}tf /sd, 7'nf] /sdsf shf{, e'QmfgL cjlw÷tflnsf, ;'/If0f,
If]q, lsl;d, shf{ kmfOn ;+Vof, gofF shf{, gljs/0f, k'g/;+/rgf tyf k'g/tflnsLs/0f
ul/Psf shf{ ;d]tnfO{ cfwf/ dfgL shf{ kmfOn 5gf}6 ul/Psf] x'g' kg]{5 . o;/L lg/LIf0fdf
;d]l6Psf] sf/f]jf/sf] k|ltzt lg/LIf0f k|ltj]bgdf pNn]v ug'{ kg]{5 .
-#_ 5gf}6 ul/Psf shf{ kmfOnleq Pp6f Aoj;flos ;d"xsf] s'g} Pp6f shf{ k/]df ;f]
;d'x;Fu ;DalGwt ;Dk"0f{ shf{ tyf ;'ljwf÷sf/f]jf/sf] cj:yf olsg x'g] u/L lg/LIf0f ug{'
kg{]5 .
-$_ ;dli6ut :ynut lg/LIf0f sfo{ ubf{ shf{ ;dLIff kmf/d tof/ u/L pQm
kmf/fdnfO{ lg/LIf0f sfuhftsf] ¿kdf ;'/lIft /fVg' kg{]5 .
!(= ;~rfns ;ldlt tyf Joj:yfkg;Fu 5nkmn M -!_ lg/LIf0f cjlwdf ;DalGwt a}+s jf ljQLo
;+:yfsf] sfdsf/jfxL, /0fg}lts of]hgf, ;+:yfut ;'zf;g, ;~rfns ;ldltsf] lgu/fgL,
hf]lvd Joj:yfkg, lg/LIf0fsf qmddfb]lvPsf s}lkmotx¿ jf k|f/lDes d:of}bf pk/ ;~rfns
;ldlt Pjd\ Joj:yfkg;Fu lg/LIf0f 6f]nLn] 5nkmn ug{' kg{]5 .
-@_ lg/LIf0f 6f]nLn] P]g, k|rlng sfg"g, lgodg, cfb]z tyf lgb{]zg adf]lhg u7g
ul/Psf Pjd\ ;~rfns ;ldltn] u7g u/]sf pk;ldltx?;Fu ltgsf] sfof{b]z, ;DalGwt a}+s
jf ljQLo ;+:yfsf] sfdsf/jfxL, ;+:yfut ;'zf;g, hf]lvd Joj:yfkg nufotsf ljifox?
pk/ 5nkmn ug{ ;Sg]5 .
@)= a}+s jf ljQLo ;+:yfsf]/]l6Ë ug{'kg{] M -!_ lg/LIf0f 6f]nLn] cfk"mn] ;dli6ut :ynut lg/LIf0f
u/]sf] a}+s jf ljQLo ;+:yfsf] b]xfo adf]lhdsf /]l6Ë u/L :t/ lgwf{/0f ug{' kg{]5 .

14
 -s_ hf]lvd ljj/0f -l/:s k|f]kmfO{n_ tof/ ug'{kg]{M a}+s jf ljQLo ;+:yfx?sf]
hf]lvddf cfwfl/t ;'kl/j]If0f ljlw cg'?k ul/g] ;dli6ut :ynut lg/LIf0f
kZrft Dofg'cn cg'?ksf] ;DalGwt ;+:yfsf] hf]lvd ljj/0f -l/:s k|f]kmfO{n_
tof/ ug'{kg]{5 .
-v_ Sofd]N; -;L P Pd O Pn P;_ /]l6Ë ug{'kg]{Ma}+s jf ljQLo ;+:yfsf] k'FhLsf]ifsf]
kof{Kttf -;L_, ;DklQsf] u'0f:t/ -P_, Joj:yfkg -Pd_, k|ltkmn -O_, t/ntf -
Pn_tyf ahf/ hf]lvd -P;_ sf] ;+j]bgzLntfnfO{ k|d'v cfwf/ agfO{ /]l6Ë ug{'
kg{]5 .

t/, n3'ljQ ljQLo ;+:yfsf] xsdf eg] ;DalGwt lg/LIf0f sfo{ljlwdf pNn]v eP
adf]lhd d"NofÍg ug{ ;lsg]5 .
-@_ /]l6Ë ubf{ k|of]u ul/g] kl/df0ffTds / u'0ffTds kl/;"rs :ynut lg/LIf0f
sfo{ljlwdf pNn]v eP adf]lhd x'g]5 .
-#_ lg/LIf0f ul/Psf] a}+sjf ljQLo ;+:yfsf] /]l6Ë k|ltj]bg sfof{Gjogsf] qmddf
cfGtl/s k|of]hgsf] nflu dfq k|of]u ug{' kg{]5 .
kl/R5]b – %
u}/–:ynut ;'kl/j]If0f ;DaGwL Joj:yf
@!= u}/–:ynut ;'kl/j]If0f M -!_ a}+s jf ljQLo ;+:yfsf] u}/–:ynut ;'kl/j]If0f sfo{ ljefusf]
jflif{s sfo{of]hgf cg';f/ tyf ljefun] tf]s] adf]lhd x'g]5 .
-@_ pk–ljlgod -!_adf]lhdsf] sfo{ ubf{ u}/–:ynut ;'kl/j]If0f sfo{ljlw / ;do
;dodf ljefun] tf]s] adf]lhd ug'{ kg]{5 .
@@= u}/–:ynut ;'kl/j]If0fsf] p2]Zo / sfo{M -!_ u}/–:ynut ;'kl/j]If0fsf] p2]Zo b]xfo adf]lhd
x'g]5 M–
-s_ a}+s jf ljQLo ;+:yfsf] ljQLo cj:yf ;DaGwdf lgoldt hfgsf/L lng],
-v_ a}+s jf ljQLo ;+:yfsf] lg/Gt/ ljQLo ljZn]if0f u/L ;+efJo hf]lvd tyf ;d:ofsf]
klxrfg ug{] tyf k"j{ ;+s]t k|0ffnLsf] cg'udg ug]{ .
-u_ :ynut lg/LIf0fsf] u'0f:t/nfO{ ;xof]u Pjd\ ;'b[9 ug{], /
-3_ a}+s jf ljQLo ;+:yfaf6 k|fKt ljQLo ljj/0f Pjd\ cGo sfuhftsf] cfwf/df P]g,
k|rlnt sfg"g, lgodg, cfb]z tyf lgb{]zgsf] kfngf eP gePsf] olsg ug{] .
-@_ pk–ljlgod -!_adf]lhdsf] p2]Zo k|fKt ug{ u}/–:ynut ;'kl/j]If0f OsfO{n] b]xfo
adf]lhdsf q}dfl;s u}/–:ynut ;'kl/j]If0f k|ltj]bg tof/ ug{]5M–
-s_ ljQLo ljZn]if0f .
-v_ P]g, k|rlng sfg"g, lgodg, cfb]z tyf lgb{]zg kfngfsf] cg'udg .


k|yd ;+zf]wg4f/f ;+zf]lwt

15
 -#_ pk–ljlgod -@_ sf] v08 -s_ adf]lhd ljQLo ljZn]if0f ubf{ u}/–:ynut
;'kl/j]If0f OsfO{n] d"ntM b]xfosf ljifo ;d]6\g' kg{]5 M–
-s_ k'FhLkof{Kttf,
-v_ k'FhLsf]if tyf Go"gtd k'FhLsf] l:ylt,
-u_ ljleGg k|sf/sf hf]lvdsf] cj:yf,
-3_ ahf/ ;+j]bgzLntf,
-ª_ shf{ juL{s/0f, If]qut shf{ tyf shf{ gf]S;fgL Joj:yf,
-r_ juL{s[t shf{, shf{ gf]S;fgL Joj:yf / ;'/If0f cg';f/sf] shf{,
-5_ a}+s jf ljQLo ;+:yfsf] s'n ;DklQ, cfsf/ / a[l4,
-h_ cfDbfgLsf] cj:yf,
-em_ t/ntf / lgIf]ksf] cj:yf,
-`_ t/ntf / k|ltkmnsf] l:ylt,
-6_ lgIf]k ;+/rgf, Psfu|tf / a[l4,
-7_ shf{ ;+/rgf, Psfu|tf / a[l4,
-8_ Jofhb/sf] l:ylt, k|j[lQ / :t/,
-9_ u}/–a}+lsË ;DklQsf] l:ylt / a[l4,
-0f_ ljb]zL ljlgdo;Fu ;DalGwt sf/f]jf/,
-t_ k"j{ r]tfjgL ;Í]t -cln{ jflg{Ë l;Ugn_, /
-y_ ljefun] tf]s]sf cGo ljifox? .
-$_ u}/–:ynut ;'kl/j]If0f OsfO{n] pk–ljlgod -@_ sf] v08 -v_ adf]lhd P]g,
k|rlnt sfg"g, lgodg, cfb]z tyf lgb{]zg kfngfsf] l:yltsf] k|ltj]bg tof/ ubf{ a}+s jf
ljQLo ;+:yf ;DaGwL slDtdf b]xfosf ljifox? pNn]v ug{' kg{]5 .
-s_ k"FhLsf]if, shf{ juL{s/0f Pjd\ shf{ gf]S;fgL Joj:yf, Psn u|fxs jf cfk;L
;DaGw ePsf u|fxs, k|of]hg cg';f/ k|jfx ul/Psf shf{ tyf If]qut shf{ ;Ldf
cflbsf] kfngf,
-v_ clgjfo{ gub df}Hbft, shf{df lgIf]k tyf k|fylds k'FhLsf] cg'kft, j}wflgs
t/ntf cg'kft, ljkGgju{ shf{, l/on :6]6 shf{, tf]lsPsf If]qdf k|jflxt shf{
;DaGwL lgb{]zg cflbsf] kfngf,
-u_ Jofhb/ k|sfzg, cfwf/ Jofhb/sf] u0fgf, Jofhb/ cGt/ / ljQLo ljj/0f k|sfzg
;DaGwL lgb{]zg cflbsf] kfngf, /


k|yd ;+zf]wg4f/f ;+zf]lwt

16
 -3_ /fi6« a}+saf6 ;do–;dodf hf/L ul/Psf lgodg, cfb]z tyf lgb{]zg cflbsf]
kfngf .
@#= k"j{ r]tfjgL ;Í]t -cln{ jflg{Ë l;Ugn_M -!_ u}/–:ynut ;'kl/j]If0f OsfO{n] tf]lsPsf] 9fFrfdf
k"j{ r]tfjgL ;Í]tsf nflu a}+s jf ljQLo ;+:yfaf6 k|fKt tYof+sx?nfO{ lgoldt?kdf ljZn]if0f
tyf cg'udg ug'{kg]{5 .
-@_ u}/–:ynut ;'kl/j]If0f k|ltj]bgdf plNnlvt ljQLo l:ylt, lgb{]zg kfngfsf]
l:ylt tyf cu|b[li6 ljZn]if0f / ljefun] tof/ ug]{ hf]lvd ljj/0f -l/:s k|f]kmfO{n_ nfO{ ;d]t
k"j{ r]tfjgL ;Í]t -cln{ jflg{Ë l;Ugn_ sf] ¿kdf lng'kg]{5 .
-#_ k"j{ r]tfjgL ;Í]t -cln{ jflg{Ë l;Ugn_ n] s'g} a}+s jf ljQLo ;+:yfsf] ljQLo
cj:yf sdhf]/ /x]sf] jf P]g, k|rlnt sfg"g, lgodg, cfb]z tyf lgb{]zgsf] kfngf gePsf]
cj:yf b]vfPdf ljefun] To:tf] a}+sjf ljQLo ;+:yf pk/ cfjZos sf/jfxLsf] k|lqmof k|f/De
ug{ ;Sg]5 .
@$= a}+s jf ljQLo ;+:yfsf] ljQLo ljj/0f k|sfzg M -!_ /fi6« a}+sn] cfjZostf cg';f/ a}+s jf
ljQLo ;+:yfsf] jflif{s ;fwf/0f;ef x'g' cl3 ljQLo ljj/0fx¿ k|sfzgsf] nflu ;xdlt
lng'kg{] Joj:yf ug]{5 .
-@_ a}+s jf ljQLo ;+:yfn] jflif{s ;fwf/0f;ef ug{' cl3 n]vfk/LIf0f ;DkGg ePsf]
jf;nft, gfkmf÷gf]S;fg lx;fj tyf cGo ljQLo ljj/0f nufot /fi6« a}+saf6 dfu ul/Psf
sfuhftx¿ /fi6« a}+sdf k|fKt ePkl5 pQm ljj/0fx¿sf] cWoog Pjd\ ljZn]if0f u/L k|To]s
a}+sjf ljQLo ;+:yfsf] u}/–:ynut ;'kl/j]If0f k|ltj]bg tof/ ug{' kg{]5 .
-#_ pk–ljlgod -@_ adf]lhd a}+s jf ljQLo ;+:yfsf] u}/–:ynut ;'kl/j]If0f k|ltj]bg
tof/ ubf{ n]vfk/LIfsn] ;DalGwt a}+s jf ljQLo ;+:yfsf] Joj:yfkg ;dIf k]z u/]sf]
k|f/lDes n]vfk/LIf0f k|ltj]bg tyf ;f] k|ltj]bg pk/ a}+s jf ljQLo ;+:yfsf] Joj:yfkgsf]
k|To"Q/, nËkmd{ cl86 l/kf]6{ tyf clGtd n]vfk/LIf0f k|ltj]bg, kl5Nnf] ;dli6ut :ynut
lg/LIf0f k|ltj]bg tyf cfjZostfg';f/ nlIft, ljz]if / cg'udg lg/LIf0f k|ltj]bg ;d]tnfO{
cfwf/ jgfpg' kg{]5 .
-$_ pk–ljlgod -@_ adf]lhdsf] u}/–:ynut ;'kl/j]If0f k|ltj]bgdf slDtdf klg
b]xfosf ljifo j:t' ;dfj]z x'g' kg{]5 M–
-s_ ljQLo kl/;"rsx?,
-v_ P]g, k|rlnt sfg"g, lgodg, cfb]z tyf lgb{]zgsf] kfngf l:ylt,
-u_ u}/–:ynut ;'kl/j]If0fsf] qmddf b]lvPsf s}lkmotx?,
-3_ n]vfk/LIfsn] cf}+NofPsf s}lkmotx?,
-ª_ k|:tfljt lgb]{zgx?, /
-r_ ljefun] tf]s]sf] tyf cfjZos 7fg]sf] cGo ljj/0fx? .

k|yd ;+zf]wg4f/f ;+zf]lwt

17
 -%_ pkljlgod -@_ adf]lhd tof/ ul/Psf] u}/–:ynut ;'kl/j]If0f k|ltj]bg
pkljlgod -#_ df plNnlvt ljj/0fx? k|fKt ePsf] ldltn] bz lbg leq ljefuLo k|d'v ;dIf
k]z ug'{ kg]{5 . pQm k|ltj]bg :jLs[t ug]{ clVtof/L cg';"rLdf pNn]v eP adf]lhd x'g]5 .

@$s= cfO lj P; ;DaGwL Joj:yfM u}/:ynut ;'kl/j]If0f sfo{nfO{ yk k|efjsf/L agfpg k|To]s
a}+s jf ljQLo ;+:yfsf nflu clws[t :t/sf] sDtLdf Ps hgf sd{rf/LnfO{ cfO la P;sf]
lhDd]jf/L lbg ;lsg]5 . cfOlaP;sf] sfd, st{Ao / clwsf/ :jLs[t cfOlaP; dfu{bz{g (IBS
Guidelines) adf]lhd x'g]5 .
kl/R5]b – ^
lg/LIf0f tyf ;'kl/j]If0f k|ltj]bg ;DaGwL Joj:yf
@%= k|ltj]bgsf] 9fFrf M -!_ ;dli6ut :ynut lg/LIf0f k|ltj]bgsf] 9fFrf :ynut lg/LIf0f sfo{ljlw
-cg ;fO6 Dofg'cn_ df pNn]v eP adf]lhd tyf u}/–:ynut ;'kl/j]If0f k|ltj]bgsf] 9fFrf
u}/–:ynut ;'kl/j]If0f sfo{ljlw -ckm ;fO6 Dofg'cn_ jf cfjZostf cg';f/ ;do ;dodf
ljefun] lgwf{/0f u/] adf]lhd x'g]5 .
-@_ ;fdfGotof ;dli6ut :ynut lg/LIf0f k|ltj]bgdf b]xfosf ljifo j:t' ;dfj]z
u/]sf] x'g' kg{]5 M–
-s_ k'FhLof]hgf tyf k'FhLsf]if kof{Kttf,
-v_ shf{ juL{s/0f, ;DklQsf] u'0f:t/ tyf shf{ hf]lvd Joj:yfkg,
-u_ Joj:yfkg ;dLIff,
-3_ cfDbfgLsf] cj:yf,
-ª_ t/ntf Joj:Yffkg tyf lgIf]k Psfu|tf,
-r_ ahf/ ;+j]bgzLntf,
-5_ ;du| hf]lvd Joj:Yffkg,
-h_ lg/LIf0faf6 b]lvPsf sdL sdhf]/L / s}lkmotx?,
-em_ a}+sjf ljQLo ;+:yfnfO{ lbg] ;'emfj tyf lgb]{zgx?,
-~f_ hf]lvd ljj/0f -l/:s k|f]kmfOn_ tyf Sofd]N; /]l6Ë,
-6_ ljefun] tf]s]sf] tyf cfjZos 7fg]sf] cGo ljj/0fx? /
-7_ lg/LIf0fsf] lgisif{ .
-#_ pk–ljlgod -@_ df plNnlvt ljifoj:t' ;dfj]z ePsf] k|ltj]bg tof/ ubf{
:ynut lg/LIf0f sfo{ljlw -cg ;fO6 Dofg'cn_ df pNn]v ul/Psf jf ljefun] ;do ;dodf
tf]s]adf]lhdsf kmf/fdx? eg'{ kg]{5 .


k|yd ;+zf]wg4f/f yk ul/Psf]

18
 -$_ nlIft, ljz]if / cg'udg lg/LIf0f k|ltj]bgsf] 9f+rf lg/LIf0fsf] p2]Zo tyf
ljefuLo k|d'vsf] lgb]{zgdf cfjZostfg';f/ b]xfosf ljifoj:t' ;dfj]z u/L tof/ ug'{kg]{5 M–
-s_ lg/LIf0fsf] p2]Zo tyf If]q,
-v_ lg/LIf0f cjlw,
-u_ lg/LIf0fsf] qmddf b]lvPsf k|d'v s}lkmotx?,
-3_ a}+sjf ljQLo ;+:yfnfO{ lbOg] ;'emfj÷lgb{]zg,
-ª_ lg/LIf0fsf] lgisif{, /
-r_ ljefun] tf]s]sf] tyf cfjZos 7fg]sf] cGo ljj/0fx? .
@^= k|ltj]bg tof/ u/L k]z ug{'kg]{ M -!_ ;a} k|sf/sf :ynut lg/LIf0f sfo{ ;Dkfbg u/]kl5
lg/LIf0f 6f]nLn] :ynut lg/LIf0f k|ltj]bg tof/ ug{' kg{]5 . To:tf] k|ltj]bg cfjZostfg';f/
c+u|]hL efiffdf ;d]t tof/ ug{ ;lsg]5 .
-@_ ;dli6ut :ynut lg/LIf0f k|ltj]bgM -s_ ;DalGwt a}+s jf ljQLo ;+:yfsf]
lg/LIf0fsf] qmddf lg/LIfsx?n] b]v]sf ljifoj:t' Pjd\ s}lkmotx?nfO{ ;d]6]/ k|f/lDes lg/LIf0f
k|ltj]bg tof/ ug'{ kg]{5 .
-v_ lg/LIf0fsf]] clGtd lbgdf lg/LIf0f 6f]nLn] k|f/lDes lg/LIf0f k|ltj]bg
Joj:yfkgsf kbflwsf/Lx?sf] /f]xj/df ;DalGwt a}+s jf ljQLo ;+:yfsf]
tf]lsPsf] ;Dks{ clws[tnfO{ x:tfGt/0f ug'{kg]{5 .
-u_ a}+s jf ljQLo ;+:yfn] bz sfo{lbg leq k|f/lDes lg/LIf0f k|ltj]bg pk/
k|ltlqmof pknAw u/fpg' kg]{5 .
-3_ lg/LIf0f 6f]nLn] cf}+NofPsf ljifoj:t' Pjd\ s}lkmot pk/ ;DalGwt a}+s jf
ljQLo ;+:yfsf] Joj:yfkgn] lrQa'‰bf] hjfkm lbPdf 6f]nLn] ;DalGwt
lgb]{zs;Fu 5nkmn u/L k|f/lDes k|ltj]bgdf cfjZos ;+zf]wg jf kl/dfh{g
ug{ ;Sg]5 . k|f/lDes lg/LIf0f k|ltj]bgdf cf}+NofPsf ljifoj:t' Pjd\ s}lkmot
tyf a}+s jf ljQLo ;+:yfsf] k|ltlqmofnfO{ ;d]6]/ tof/ ul/Psf] d:of}bf
k|ltj]bg lg/LIf0f 6f]nLn] ;DalGwt a}+s jf ljQLo ;+:yfaf6 k|ltlqmof k|fKt
ePsf] PSsfO; sfo{lbg leq ;DalGwt lgb]{zs ;dIf k]z ug{'kg{]5 .
-ª_ 6f]nLaf6 k|fKt d:of}bf k|ltj]bgsf] cWoog kZrft\ ;DalGwt lgb]{zsn]
cfjZos b]v]df lg/LIf0f 6f]nL ;d]tsf] ;xeflutfdf ;DalGwt a}+s jf ljQLo
;+:yfsf sd{rf/L, Joj:yfkg jf ;~rfns ;ldlt;Fu 5nkmn ug{ ;Sg]5 .
t/, uDeL/ ljifox? pk/sf] 5nkmn eg] ljefuLo k|d'vsf] /f]xa/df ug'{ kg]{5
.
-r_ lg/LIf0f k|ltj]bgdf ;DalGwt a}+s jf ljQLo ;+:yfnfO{ lgb]{zg lbg'kg{] eP ;f]
;d]t v'nfO{ k]z ug{' kg{]5 .

19
 -5_ clGtd ¿k lbOPsf] ;dli6ut :ynut lg/LIf0f k|ltj]bg ljefuLo k|d'vn]
ueg{/ ;dIf k]z ug{' kg{]5 .
-h_ ueg{/af6 a}+s / /fli6«o :t/sf ævÆ / æuÆ ju{sf ljQLo ;+:yf afx]ssf cGo
ljQLo ;+:yfsf] ;dli6ut :ynut lg/LIf0f k|ltj]bg pk/ lg0f{o u/L ;f]
;DaGwdf rfNg' kg{] sbdsf af/]df cfjZos lgb{]zg lbPkl5 k|ltj]bg
;DalGwt Ohfhtkqk|fKt ;+:yfdf sfof{Gjogsf] nflu k7fpg of]Uo ePsf]
dflgg]5 . t/, a}+s //fli6«o :t/sf ævÆ / æuÆ ju{sf ljQLo ;+:yfsf]
;dli6ut :ynut lg/LIf0f k|ltj]bgsf] xsdf ;ldltn] k|ltj]bg pk/ lg0f{o
u/L ;f] ;DaGwdf rfNg'kg{] sbdsf af/]df cfjZos lgb{]zg lbPkl5 dfq
k|ltj]bg ;DalGwt Ohfhtkqk|fKt ;+:yfdf sfof{Gjogsf] nflu k7fpg of]Uo
ePsf] dflgg]5 .
-#_ nlIft lg/LIf0f k|ltj]bgM -s_ ;DalGwt a}+s jf ljQLo ;+:yfsf] lg/LIf0fsf] qmddf
b]lvPsf ljifoj:t' Pjd\ s}lkmotx?sf] ;DaGwdf lg/LIf0fsf] clGtd lbgdfJoj:yfkgsf
kbflwsf/Lx?;Fu 5nkmn ug'{ kg]{5 . lg/LIf0f 6f]nLn] b]lvPsf ljifoj:t' Pjd\ s}lkmotx? tyf
Joj:yfkg;Fusf] 5nkmnsf cfwf/df lg/LIf0fsf] d:of}bf k|ltj]bg tof/ ug'{ kg]{5 .
-v_ pQm d:of}bf k|ltj]bg lg/LIf0f 6f]nLn] /fi6« a}+sdf xflh/ ePsf] ldltaf6 kGw|
sfo{ lbg leq ;DalGwt lgb]{zs ;dIf k]z ug{' kg{]5 .
-u_ 6f]nLaf6 k|fKt d:of}bf k|ltj]bgsf] cWoog kZrft\ ;DalGwt lgb]{zsn]
cfjZos b]v]df lg/LIf0f 6f]nL ;d]tsf] ;xeflutfdf ;DalGwt a}+s jf ljQLo
;+:yfsf sd{rf/L, Joj:yfkg jf ;~rfns ;ldlt;Fu 5nkmn ug{ ;Sg]5 .
t/, uDeL/ ljifox? pk/sf] 5nkmn eg] ljefuLo k|d'vsf] /f]xa/df ug'{ kg]{5
.
-3_ lg/LIf0f k|ltj]bgdf ;DalGwt a}+s jf ljQLo ;+:yfnfO{ lgb]{zg lbg'kg{] eP ;f]
;d]t v'nfO{ k]z ug{' kg{]5 .
-ª_ clGtd ¿k lbOPsf] nlIft lg/LIf0f k|ltj]bg ljefuLo k|d'vn] ueg{/ ;dIf
k]z ug{' kg{]5 .
-r_ ueg{/af6 a}+s //fli6«o :t/sf ævÆ / æuÆ ju{sf ljQLo ;+:yf afx]ssf cGo
ljQLo ;+:yfsf] nlIft lg/LIf0f k|ltj]bg pk/ lg0f{o u/L ;f] ;DaGwdf rfNg'
kg{] sbdsf af/]df cfjZos lgb{]zg lbPkl5 k|ltj]bg ;DalGwt
Ohfhtkqk|fKt ;+:yfdf sfof{Gjogsf] nflu k7fpg of]Uo ePsf] dflgg]5 . t/,
a}+s //fli6«o :t/sf ævÆ / æuÆ ju{sf ljQLo ;+:yfsf] nlIft lg/LIf0f
k|ltj]bgsf] xsdf ;ldltn] k|ltj]bg pk/ lg0f{o u/L ;f] ;DaGwdf rfNg'kg{]
sbdsf af/]df cfjZos lgb{]zg lbPkl5 dfq k|ltj]bg ;DalGwt
Ohfhtkqk|fKt ;+:yfdf sfof{Gjogsf] nflu k7fpg of]Uo ePsf] dflgg]5 .
-$_ ljz]if tyf cg'udg lg/LIf0f k|ltj]bg lg/LIf0f 6f]nL ljefudf xflh/ ePsf]
ldltaf6 kGw| sfo{ lbg leq ;DalGwt lgb]{zs dfkm{t ljefuLo k|d'v ;dIf k]z ug{' kg]{5 .

20
 -%_ u}/–:ynut ;'kl/j]If0f OsfO{n] k|To]s qodf;sf] ;dli6ut -sG;f]ln8]6]8_ u}/–
:ynut ;'kl/j]If0f k|ltj]bg qodf; ;dfKt ePsf] b'O{ dlxgfleq tof/ u/L ljefuLo k|d'v
;dIf k]z ug{' kg]{5 .
-^_ ljz]if lg/LIf0f k|ltj]bg, cg'udg lg/LIf0f k|ltj]bg tyf u}/–:ynut lg/LIf0f
k|ltj]bg ljefuLo k|d'vn] cg';"rLdf plNnlvt clVtof/L adf]lhd 8]k'6L ueg{/ tyf ueg{/
;dIf k]z ug'{ kg]{5 .
-&_ pk ljlgod -@_, -#_, -$_ / -%_ adf]lhd tof/ eO{ k]z x'g cfPsf] ;dli6ut
:ynut lg/LIf0f, nlIft lg/LIf0f, ljz]if lg/LIf0f, cg'udg lg/LIf0f tyf u}/–:ynut
;'kl/j]If0f k|ltj]bgnfO{ 8]k'6L ueg{/n] k|ltj]bgdf pNn]lvt ljifoj:t'sf] uDeL/tfsf cfwf/df
ueg{/ ;dIf k]z ug'{k"j{ gLlt lgb{]zg sfof{Gjog ;ldltdf 5nkmnsf] nflu k]z ug{ ;Sg]5 .
-*_;'kl/j]If0f ;"rgf k|0ffnLdf /x]sf] cg;fO6 df]8\o'nsf] k"0f{ sfof{Gjog ePkZrft
a}+s jf ljQLo ;+:yfsf] ;a} lsl;dsf] :ynut lg/LIf0fsf] sfo{ ;f]xL df]8\o'nsf] k|s[of
adf]lhd x'g]5 .
@&= k|ltj]bg rnfg M-!_;dli6ut :ynut lg/LIf0f k|ltj]bg÷nlIft lg/LIf0f k|ltj]bgcfjZos
lgb{]zg ;lxt lg/LIf0f ;dfKt ePsf] tLg dlxgf leq ;~rfns ;ldlt÷ueg{/af6 :jLs[t
u/fO{ ;DalGwt a}+s jf ljQLo ;+:yfdf sfof{Gjogsf] nflu k7fpg' kg{]5 .
-@_ ;dli6ut :ynut lg/LIf0f k|ltj]bg÷nlIft lg/LIf0f k|ltj]bg ljefuLo k|d'våf/f
x:tfIf/ ul/Psf] kq;fy ;Dk|]if0f ug{' kg{]5 .
-#_ pk–ljlgod -@_ adf]lhdsf] k|ltj]bgdf lg/LIf0f 6f]nLsf ;b:ox?n] x:tfIf/ u/]sf]
x'g' kg{]5 .
-$_ u}/–:ynut ;'kl/j]If0f, ljz]if tyf cg'udg lg/LIf0f k|ltj]bg ;DalGwt a}+s jf
ljQLo ;+:yfdf ;Dk|]if0f ug{' clgjfo{ x'g] 5}g .
t/, pQm k|ltj]bgsf] cfwf/df a}+sjf ljQLo ;+:yfdf s}lkmot b]lvPdf ;DalGwt a}+s
jf ljQLo ;+:yfnfO{ cfjZos lgb{]zg lbg ;lsg]5 .
-%_ ;DalGwta}+s jf ljQLo ;+:yfdf k7fOPsf] k|ltj]bg tyf lgb{]zgsf] hfgsf/L
a}+styf ljQLo ;+:yf lgodg ljefunfO{ cfjZostf cg';f/ lbg ;lsg]5 .
@*= k|ltj]bg clen]v M -!_ ;DalGwt a}+s jf ljQLo ;+:yfdf k|ltj]bg ;Dk|]if0f ul/;s]kl5 ;j}
k|sf/sf k|ltj]bgsf] clen]v k|ltj]bg sfof{Gjog OsfO{ / cfGtl/s k|zf;g OsfO{df /fVg'
kg{]5 .
-@_ ;DalGwta}+s jf ljQLo ;+:yfdf k|ltj]bg ;Dk|]if0f ul/;s]kl5 pQm k|ltj]bgsf]
ljB'tLo k|lt gLlt of]hgf tyf ljZn]if0f OsfO{df clen]vsf nflu /fVg' kg{]5 .
-#_ k|ltj]bg sfof{Gjog OsfO{n] k|ltj]bg;Fu ;DalGwt lg/LIf0f sfuhftx? sDtLdf
kfFr jif{ ;Dd ;'/lIft ¿kdf clen]v u/L /fVg' kg{]5 .

k|yd ;+zf]wg4f/f yk ul/Psf]

21
 -$_ ljz]if k|of]hgsf] nflu ljefusf cGo OsfO{ jf sd{rf/LnfO{ k|ltj]bg cfjZos
ePdf clen]v hgfO{ k|ltj]bg pknJw u/fpg' kg{]5 . t/, /fi6« a}+ssf cGo ljefu tyf /fi6«
a}+s jflx/sf lgsfoaf6 k|ltj]bg dfu eO{ cfPdf ljefuLo k|d'vsf] :jLs[lt lnO{ k|ltj]bgsf]
k|ltlnlk jf ;f/f+z pknJw u/fpg ;lsg] 5 .
-%_ k|ltj]bg sfof{Gjogsf] qmddf ljefun] ;DalGwt a}+s jf ljQLo ;+:yfaf6 k|fKt
u/]sf yk sfuhft ;d]t clen]v u/L /fVg' kg]{5 .

kl/R5]b – &
k|ltj]bg sfof{Gjog ;DaGwL Joj:yf
@(= lg/LIf0f k|ltj]bg sfof{Gjog M -!_ ;a} k|sf/sf lg/LIf0f tyf ;'kl/j]If0f k|ltj]bgsf] sfof{Gjog
eP÷gePsf] cg'udg ug{] sfo{ k|ltj]bg sfof{Gjog OsfO{n] ug{]5 .
-@_ pk–ljlgod -!_adf]lhd cg'udg ubf{ k|ltj]bg sfof{Gjog OsfO{n] ;DalGwt a}+s
jf ljQLo ;+:yf;Fu dfu u/]sf gLlt, sfo{of]hgf tyf cGo sfuhftx? kof{Kt eP÷gePsf]
cWoog Pjd\ ljZn]if0f ;d]t ug{' kg{]5 .
-#_ k|ltj]bg sfof{Gjog OsfO{n] cfˆgf] sfo{ ;Dkfbgsf] qmddf cfjZostf cg';f/
lg/LIf0f 6f]nL / u}/–:ynut ;'kl/j]If0f OsfO{ tyf cfOlaP;sf] ;d]t ;xof]u lng ;Sg]5 .
-$_k|ltj]bg sfof{Gjog OsfO{n] s}lkmot ;'wf/sf] ;DaGwdf ;DalGwt ;+:yfaf6 k|fKt
k|To'Q/ tyf k|dfl0ft sfuhftx¿sf] cfwf/df lgb]{zgx¿ sfof{Gjo eP÷gePsf] olsg u/L
ljefuLo k|d'vsf] :jLs[ltdf yk lgb]{zg lbg ;Sg]5 .
#)= P]g, k|rlnt sfg"g, lgodg, cfb]z tyf lgb{]zg kfngf gug{] a}+sjf ljQLo ;+:yf pk/
sf/jfxL M
-!_ ;dli6ut :ynut, nlIft, ljz]if, cg'udg lg/LIf0f k|ltj]bg tyf u}/–:ynut
;'kl/j]If0f k|ltj]bgdf k|rlnt a}+styf ljQLo ;+:yf;Fu ;DalGwt sfg"g, /fi6« a}+sn] hf/L
u/]sf lgodg, cfb]z tyf lgb{]zg kfngf gu/]sf] pNn]v ePdf k|ltj]bg sfof{Gjog OsfO{n]
;DalGwt a}+s jf ljQLo ;+:yf pk/ cfjZos sf/jfxLsf] k|lqmof k|f/De ug{' kg{]5 .
-@_ P]g, k|rlnt sfg"g, lgodg, cfb]z tyf lgb{]zgsf] cj1f ePsf] cj:yfdf
lgb]{zgdf plNnlvt cjlwleq ;DalGwt a}+s jf ljQLo ;+:yfaf6 lgb]{zg sfof{Gjog
eP÷gePsf] cg'udg k|ltj]bg sfof{Gjog OsfO{n] ug{' kg{]5 .
-#_ tf]lsPsf] cjlwleq ;DalGwt a}+s jf ljQLo ;+:yfaf6 k|fKt k|To'Q/nfO{ k|ltj]bg
sfof{Gjog OsfO{n] k|ltj]bgdf plNnlvt s}lkmot, ;f] ;DaGwdf /fi6« a}+sn] lbPsf] lgb{]zg
pk/ ;DalGwt jfl0fHo a}s jf ljQLo ;+:yfn] lbPsf] k|To"Q/ ;lxtsf] tflnsf agfO{ ;DalGwt


k|yd ;+zf]wg4f/f ;+zf]lwt

k|yd ;+zf]wg4f/f yk ul/Psf]

22
 lgb]{zs dfkm{t ljefuLo k|d'v ;dIf k]z ug{' kg{]5 . k|To]sa}+sjf ljQLo ;+:yfsf] nflu To:tf]
tflnsf 5'§f5'§} tof/ ug'{ kg]{5 .
-$_ P]g, k|rlnt sfg"g, lgodg, cfb]z tyf lgb{]zgsf] kfngf gu/]df jf tf]lsPsf]
cjlwleq dfu u/]sf gLlt, sfo{of]hgf, ljQLo ljj/0f Pjd\ cGo sfuhft k]z gug{] a}+s jf
ljQLo ;+:yfnfO{ ljefun] :ki6Ls/0f dfu ug{' kg{]5 .
-%_ pk–ljlgod -$_ adf]lhd dfu ul/Psf] :kli6s/0f lrQa'‰bf] gePdf ;DalGwt
a}+s jf ljQLo ;+:yf /÷jf ;f]sf kbflwsf/LnfO{ ljlgod #% adf]lhd ;hfo ug{ ;lsg] 5 .
#!= sf/jfxL ;DaGwL k|lqmof M -!_ s'g} klg a}+s jf ljQLo ;+:yfn] P]g, k|rlnt sfg"g, lgodg,
cfb]z tyf lgb{]zgsf] kfngf gu/]df To:tf a}+s jf ljQLo ;+:yfnfO{ ueg{/n] pk–ljlgod -#_
sf] sfo{ljlw k'/f u/L cfjZos sf/jfxL ug{ ;Sg]5 .
-@_ pk–ljlgod -!_ adf]lhd ;hfo ubf{ ;DalGwt a}+s jf ljQLo ;+:yfn] kfngf
gu/]sf] sfg"gL k|fjwfg, ;f] ;DaGwdf dfu ul/Psf] :ki6Ls/0f tyf ljefuLo /fo ;lxtsf]
cnUu} kmfOn v8f ug{' kg{]5 . ;fy}, o;/L ul/g] sf/jfxLsf] ljj/0f -nu l;6_ tof/ u/L
k|ltj]bg sfof{Gjog OsfO{n] /fVg' kg]{5 .
-#_ ljefu÷gLlt lgb{]zg sfof{Gjog ;ldltsf] l;kmfl/zsf] cfwf/df ueg{/n] ;DalGwt
a}+s jf ljQLo ;+:yfnfO{ sf/jfxL ug{ ;Sg]5 .
#@= gLlt lgb{]zg sfof{Gjog ;ldlt M -!_ lg/LIf0f tyf ;'kl/j]If0f ;DaGwL dxTjk"0f{ ljifox?df
5nkmn u/L l;kmfl/z ug{ b]xfosf ;b:ox¿ /xg] u/L] Pp6f gLlt lgb{]zg sfof{Gjog ;ldlt
/xg]5 M–
-s_ ;DalGwt 8]k'6L ueg{/ – cWoIf,
-v_ csf{ 8]k'6L ueg{/ – ;b:o
-u_ ljefuLo k|d'v, a}+s tyf ljQLo ;+:yf lgodg ljefu – ;b:o
-3_ ;DalGwt ljefuLo k|d'v – ;b:o,
-ª_ k|d'v, sfg"g dxfzfvf – ;b:o,
-r_ ;DalGwt ljefusf] jl/i7td\ lgb]{zs – ;b:o ;lrj,
-@_ gLlt lgb{]zg sfof{Gjog ;ldltn] cfjZostf cg';f/ ljz]if1 jf kbflwsf/LnfO{
a}7sdf cfdGq0f ug{ ;Sg]5 .
-#_ ;DalGwt ;'k/Lj]If0f ljefu x]g]{ 8]k'6L ueg{/ gtf]lsPsf] ca:yfdf al/i7td
8]k'6L ueg{/n] ;ldltsf] cWoIftf ug]{5g\ .
##= gLlt lgb]{zg ;ldltsf] a}7sdf k]z ug]{ k|:tfj M gLlt lgb]{zg ;ldltsf] a}7sdf k]z ug]{
k|:tfjx? b]xfo adf]lhd x'g]5g\ M–
-s_ a}+s jf ljQLo ;+:yf jf tL ;+:yfsf kbflwsf/Lx?nfO{ P]g adf]lhd ul/g]
sf/jfxL;DaGwL,


bf];|f] ;+zf]wg4f/f yk ul/Psf]

23
 -v_ a}+s jf ljQLo ;+:yfsf kbflwsf/Lx?nfO{ x6fpg] ;DaGwL,
-u_ a}+s jf ljQLo ;+:yf jf To:tf] ;+:yfsf kbflwsf/Lx?nfO{ :kli6s/0f dfu ug]{,
sf/jfxLsf] l;kmfl/z ug]{ jf lgnDagdf /fVg] ;DaGwL,

-3_ a}+s jf ljQLo ;+:yfnfO{ ;d:ofu|:t 3f]if0ff÷km's'jf ug]{ ;DaGwL,
-ª_ ljefuLo k|d'vn] gLlt lgb]{zg ;ldltdf k]z ug{ cfjZos 7fgL l;kmfl/;
u/]sf ljifox?, /
-r_ 8]k'6L ueg{/n] gLlt lgb]{zg ;ldltdf 5nkmn ug{ cfjZos 7fg]sf ljifox? .
#$= gLlt lgb{]zg sfof{Gjog ;ldltsf] sfd, st{Jo tyf clwsf/ M gLlt lgb{]zg sfof{Gjog
;ldltsf] sfd, st{Jo / clwsf/ b]xfo adf]lhd x'g]5 M–
-s_ a}+s jf ljQLo ;+:yfsf] ;dli6ut :ynut, nlIft, ljz]if, cg'udg lg/LIf0f
k|ltj]bg tyf u}/–:ynut ;'kl/j]If0f k|ltj]bgdf uDeL/ s}lkmot b]lvPdf
To:tf a}+sjf ljQLo ;+:yfnfO{ ljefuLo k|:tfj cg';f/ ul/g] hl/jfgf tyf
;hfosf] pko'Qmtf Pjd\ kof{Kttf pk/ 5nkmn u/L lgSof{}n ug{],
-v_ a}+s jf ljQLo ;+:yfnfO{ hl/jfgf jf ;hfo ug{' cl3 ljefun] cfjZos ;Dk"0f{
k|lqmof Pjd\ sfo{ljlw k"/f u/] gu/]sf] olsg ug{],
-u_ cfˆgf] /fo 7x/;lxt ;DalGwt a}+s jf ljQLo ;+:yfnfO{ P]g adf]lhd ul/g]
sf/jfxL ug{ ueg{/ ;dIf l;kmfl/z ug{], /
-3_ a}+s jf ljQLo ;+:yf lgodg Pjd\ ;'kl/j]If0f ;DaGwdf cfOkg{] ljljw
ljifox¿ pk/ 5nkmn u/L cfjZos ;'wf/sf] lgldQ l;kmfl/z ug{] .
#%= sfg'g tyf lgodg pNn‹g u/]df x'g] ;hfo M -!_ Ohfhtkqk|fKt a}+s jf ljQLo ;+:yf jf
;f]sf kbflwsf/Ln] k|rlnt sfg"g jf /fi6« a}+saf6 hf/L ul/Psf] lgodg, lgb]{zg jf kl/kqsf]
pNn‹g u/]df To:tf] a}+s jf ljQLo ;+:yfnfO{ jf ;f]sf kbflwsf/LnfO{ P]gsf] bkmf !)), a}+s
tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] bkmf (( / !)) adf]lhd Ps jf PseGbf a9L
;hfo x'g ;Sg]5 .
#^= cfly{s hl/jfgf / ;hfosf] sfo{ljlw M -!_ P]gsf] bkmf !)) adf]lhd ;hfo jf cfly{s
hl/jfgf ubf{ P]gsf] bkmf !)! adf]lhdsf] sfo{ljlw cjnDjg ug{' kg{]5 .
-@_ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] bkmf (( / !)) adf]lhd ;hfo jf
cfly{s hl/jfgf ubf{ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] bkmf !)! adf]lhdsf]
sfo{ljlw cjnDjg ug{' kg{]5 .
#&= a}+sjf ljQLo ;+:yf pk/ lgoGq0f tyf sf/jfxL M s'g} a}+s jf ljQLo ;+:yfn] P]g, k|rlnt
sfg"g, lgodg, cfb]z tyf lgb{]zgsf] pNn‹g u/]sf] sf/0faf6 jf lg/LIf0f jf ;'kl/j]If0f
k|ltj]bgaf6 a}+s jf ljQLo ;+:yfn] cfk"mn] k"/f ug{'kg{] bfloTj k"/f ug{ g;s]sf] jf g;Sg]
;Defjgf ePsf] jf ;Gtf]ifhgs ?kn] ;~rfng gePsf] jf z]o/wgL jf lgIf]kstf{sf] clxt

k|yd ;+zf]wg4f/f ;+zf]lwt

24
 x'g] sfo{ u/]sf] s'/fdf ljZj:t eO{ k6s–k6s lbOPsf lgb{]zg ;d]t kfngf gu/L ;'wf/f]Gd'v
gePsf] cj:yfdf To:tf]a}+sjf ljQLo ;+:yf pk/ ul/g] lgoGq0f tyf sf/jfxL k|lqmof /
rflng] sbd P]g adf]lhd x'g]5 .
#*= k|ltj]bg sfof{Gjogsf] l:ylt ;"lrt ug{'kg{] M -!_ k|ltj]bg sfof{Gjog OsfO{n] a}+s jf ljQLo
;+:yfx¿sf] lg/LIf0f k|ltj]bgx¿sf] sfof{Gjog :fDaGwdf cw{jflif{s ¿kdf k|ltj]bg tof/ u/L
ljefuLo k|d'vaf6 :jLs[t u/fpg' kg{]5 .
-@_ pk–ljlgod -!_adf]lhdsf] k|ltj]bgdf b]xfo adf]lhdsf ljifox? pNn]v ug{' kg{]5
M–
-s_ kl/ro M z]o/ :jfldTj, ;+rfns ;ldlt ;DaGwL ljj/0f,
-v_ k|d'v ljQLo kl/;'rsx? M k'FhL, s'n shf{ aSof}tf /sd, lgis[o shf{ cg'kft,
s'n lgIf]k, lgIf]k÷t/ntf cg'kft,
-u_ :ynut lg/LIf0f M ;dli6ut :ynut lg/LIf0f÷nlIft lg/LIf0f÷ljz]if lg/LIf0f
k|ltj]bg dfkm{t lbO{Psf lgb]{zgx?sf] sfof{Gjog cj:yf,

-3_ u}/–:ynut ;'kl/j]If0f M ljQLo ljj/0fx¿ k|sfzgsf] nflu ;xdltk|bfg ubf{
lbOPsf lgb]{zgx¿sf] sfof{Gjog l:ylt,
-ª_ cGo k|fjwfgx?sf] sfof{Gjogsf] cj:yf M clgjfo{ gub df}Hbft cg'kft,
a}wflgs t/ntf cg'kft, lgb]{lzt shf{ -ljkGg ju{_ ;DaGwdf, shf{ tyf Psn
u|fxs ;LDff, Joj:yfkg lgoGq0f tyf lz3| ;'wf/fTds sf/jfxL nufotsf
sf/jfxL, hl/jfgf tyf xhf{gf ;DaGwL ljj/0f
-r_ ljefun] cfjZos 7fg]sf] cGo ljj/0fx?, /
-5_ lgisif{ .
-#_ pk–ljlgod -!_adf]lhdsf] k|ltj]bg ljefuLo k|d'vn] cfjZostf cg';f/ 8]k'6L
ueg{/ tyf ueg{/ ;dIf k]z ug{ ;Sg]5 .
kl/R5]b – *
gLlt, of]hgf tyf ljZn]if0f ;DaGwL Joj:yf
#(= gLlt tyf of]hgfsf] cg'udg M -!_ ljefun] lg/LIf0f tyf ;'kl/j]If0f;Fu ;DalGwt sfo{of]hgf
tyf gLltsf] lgoldt ;dLIff Pjd\ cg'udg ug{]5 .
-@_ pk–ljlgod -!_adf]lhdsf] sfo{ gLlt, of]hgf tyf ljZn]if0f OsfO{n] ug{]5 .
-#_ gLlt Pjd\ of]hgfsf] cg'udg Pjd\ ;dLIff ubf{ OsfO{n] cGt/f{li6«o ;'kl/j]If0f
;+:yfx¿sf] k|rng Pjd\ cGt/f{li6«o pTs[i6 cEof;nfO{ ;d]t cfwf/ jgfpg ;Sg]5 .


k|yd;+zf]wg4f/f ;+zf]lwt

25
 -$_ pk– ljlgod -!_adf]lhd ul/Psf] ;dLIff k|ltj]bg jflif{s ¿kdf ljefuLo k|d'v
;dIf k]z ug{' kg{]5 .
$)= afx\o If]q;Fu ;dGjo, ;DaGw tyf cGt/lqmof M -!_ ljefu÷dxfzfvfn] lg/LIf0f tyf
;'kl/j]If0f;Fu ;DalGwt jfx\o If]q;Fu ;Dks{, ;dGjo, ;xsfo{, cGt/lqmof, uf]i7L, ;]ldgf/
Pjd\ sfo{zfnf h:tf sfo{qmd gLlt of]hgf tyf ljZn]if0f OsfO{ dfkm{t ;~rfng ug{ ;Sg]5 .
-@_ pk–ljlgod -!_adf]lhdsf] sfo{qmd b]xfo adf]lhdsf JolQm jf ;+ul7t ;+:yfsf]
;+nUgtfdf x'g ;Sg]5 M–
-s_ a}+s jf ljQLo ;+:yfsf ;~rfns ;ldltsf ;b:o Pjd\ sfo{sf/L k|d'v .
-v_ a}+s jf ljQLo ;+:yfsf cfGtl/s n]vfk/LIfs÷hf]lvd clws[t÷cg'kfngf
clws[t÷ljefuLo k|d'v÷zfvf k|jGws .
-u_ a}+s jf ljQLo ;+:yfsf jfx\o n]vfk/LIfs Pjd\ n]vfk/LIf0fdf ;+nUg k]zfut
;+ul7t ;+:yf .
-3_ ljQLo hfgsf/L OsfO{ .
-ª_ lwtf]kq jf]8{, aLdf ;ldlt h:tf ljQLo jhf/sf cGo lgodgsf/L lgsfo .
-r_ ;DklQ z'4Ls/0f cg';Gwfg ljefu .
-5_ ljefun] cfjZos b]v]sf cGo kIf jf ;+ul7t ;+:yf .
-#_ pk–ljlgod -!_adf]lhd uf]i7L, ;]ldgf/, sfo{zfnf Pjd\ cGt/lqmof sfo{qmd
cfof]hgf ubf{ gLlt, of]hgf tyf ljZn]if0f OsfO{n] sfo{qmdsf] cjwf/0ff tyf ;Dkflbt sfdsf]
ljj/0f ljefuLo k|d'v ;dIf k]z ug{' kg{]5 .
$!= jflif{s k|ltj]bg k|sfzg ug{'kg{] M -!_ ljefun] ;fj{hlgs hfgsf/Lsf] nflu lg/LIf0f tyf
;'kl/j]If0f u/]sf a}+s jf ljQLo ;+:yfsf] lg/LIf0f tyf ;'kl/j]If0f ;DaGwL jflif{s k|ltj]bg
k|sfzg ug{]5 .
-@_ pk–ljlgod -!_adf]lhdsf] k|ltj]bg gLlt of]hgf tyf ljZn]if0f OsfO{n] k|To]s
cfly{s jif{ ;dfKt ePsf] gf} dlxgfleq tof/ u/L ;Sg' kg{5
] .
-#_ jflif{s k|ltj]bgdf cGo s'/fsf cltl/Qm a}+lsË If]qsf] jt{dfg cj:yf, lg/LIf0f
tyf ;'kl/j]If0fsf ljifo tyf ljQLo If]qsf] l:ylt h:t}M– lgIf]k, t/ntf, shf{, Jofhb/,
k|ltkmn, k'FhLsf]if cflb ljifo ;dfj]z x'g' kg{]5 .
-$_ ljefun] tof/ u/]sf] jflif{s k|ltj]bg ueg{/af6 :jLs[t ePkl5 /fi6« a}+ssf]
j]a;fO6 dfk{mt k|sfzg ug{' kg{5
] .
$@= cGt/f{li6«o ;'kl/j]If0f ;+:yf;Fu ;Dks{ M -!_ lg/LIf0f tyf ;'kl/j]If0f ug{ tf]lsPsf
ljefux¿n] ;dGjofTds ¿kdf cGt/f{li6«o ;'kl/j]If0f ;+:yf;Fu lg/Gt/ ;Dks{df /xL o;
;DaGwdf ljsl;t gLlt, sfo{ k|s[of Pjd\ dfkb08 af/] hfgsf/L xfl;n ug{ ;Sg]5g\ .


bf];|f] ;+zf]wg4f/f yk ul/Psf]

26
 -@_ cGt/f{li6«o ;'kl/j]If0f ;+:yf;Fu ;Dks{ /fVg] tyf cfjZos k|lqmof k'¥ofO{
;'kl/j]IfsLo ;"rgf cfbfg k|bfg ug{] sfo{ gLlt of]hgf tyf ljZn]if0f OsfO{n] ug{]5 .
-#_ cGt/f{li6«o ;'kl/j]IfsLo ;+:yfx¿af6 k|fKt ;"rgfnfO{ Jojl:yt u/L ljefunfO{
lgoldt ¿kdf ;"lrt u/fpg] sfo{ ;d]t gLlt of]hgf tyf ljZn]if0f OsfO{n] ug{' kg{]5 .
-$_ ljefun] ueg{/sf] :jLs[lt lnO{ cGt/f{li6«o ;'kl/j]IfsLo ;+:yfx?;Fu cfk;L
;Ldfkf/ ;'kl/j]If0f, ;"rgf cfbfg k|bfg tyf xf]d xf]i6 ;'kl/j]Ifssf aLr ;dGjo sfod ug]{
;DaGwdf ;dembf/Lkqdf x:tfIf/ u/L cfjZos sfo{ ug{ ;Sg]5 .
-%_ljefun] ueg{/sf] :jLs[lt lnO{ ;Ldfkf/ ;'kl/j]If0f k|of]hgsf] lgldQ cGt/f{li6«o
;'kl/j]IfsLo ;+:yfx?n] cfof]hgf ug]{ ;'kl/j]IfsLo sn]hdf ;xeflutf hgfpg] tyf To:tf
sn]hsf] cfkm}n] cfof]hgf ;d]t ug{ ;Sg]5 .

kl/R5]b – (
ljljw
$#= dfu{bz{gsf] ¿kdf cjnDjg ug{ ;lsg] M/fi6« a}+sn] cfˆgf] lg/LIf0f tyf ;'kl/j]If0f sfo{nfO{
cGt/f{li6«o :t/sf] dfkb08 cg'¿k agfpg a}+s km/ OG6/g]zgn ;]6nd]06\;sf] jf;]n sld6L
cg a}lsË ;'k/lehgn] k|ltkfbg u/]sf lg/LIf0f tyf ;'kl/j]If0f ;DaGwL l;4fGt nufot
cGt/f{li6«o pTs[i6 cEof;nfO{ dfu{bz{s l;4fGtsf] ¿kdf cjnDjg ug{ ;Sg]5 .
$$= clVtof/L ;DaGwdf M lg/LIf0f tyf ;'kl/j]If0f;Fu ;DalGwt ljifox?df cfjZos lg0f{o ug]{
tyf k|:tfjx? :jLs[t ug]{ clVtof/L cg';r
" Ldf pNn]v eP adf]lhd x'g]5 .
$%= ;'kl/j]IfsLo sf/jfxLx? ;fj{hlgs ug{'kg{] M ljefun] a}+s jf ljQLo ;+:yf pk/ u/]sf
;'kl/j]IfsLo sf/jfxLx¿sf] ;+j]bgzLntfnfO{ ljrf/ u/L ;j{;fwf/0fsf] hfgsf/Lsf] nflu /fi6«
a}+ssf] j]a;fO6 nufot cGo dfWodx?af6 ;fj{hlgs ug{' kg{]5 .
$^= u'gf;f] ug{ ;lsg] M -!_ lg/LIf0f jf ;'kl/j]If0fsf] l;nl;nfdf To:tf] lg/LIf0f jf ;'kl/j]If0f
ug]{ kbflwsf/Ln] 8/, wfs b]vfpg], wDsL lbg], k|ltzf]wsf] efjgfn] sfo{ u/L ;DalGwt a}+s jf
ljQLo ;+:yf jf ;f]sf kbflwsf/LnfO{ s'g} xfgL gf]S;fgL k'¥ofPdf jf k'¥ofpg vf]h]df k|df0f
;lxt To:tf] sfo{ lj?4 ueg{/ ;dIf u'gf;f] k]z ug{ ;lsg]5 .
-@_ pkljlgod -!_ adf]lhd s'g} u'gf;f] kg{ cfPdf ueg{/n] ;f] pk/ 5fgjLg ug{
nufO{ /fi6« a}+ssf] sd{rf/L ;]jf ljlgodfjnL adf]lhd cfjZos sf/jfxL ug]{5 .
-#_ pkljlgod -!_ adf]lhd ueg{/ ;dIf k]z ul/Psf] u'gf;f] pkljlgod -@_ adf]lhd
5fgjLg ubf{ em'¶f 7xl/g uPdf k|rlnt sfg'g adf]lhd ;DalGwt u'gf;f]stf{nfO{ cfjZos
sf/jfxL x'g]5 .
$&= ;'kl/j]Ifsn] lgb]{zg lbg ;Sg] M;'kl/j]Ifs÷lg/LIfsn] a}+s jf ljQLo ;+:yfsf] hf]lvdsf] :t/
cg';f/ P]g, k|rlnt sfg"g, lgodg, cfb]z tyf lgb{z ] g nufot cGt/f{li6«o k|rng,

27
 cGt/f{li6«o pTs[i6 cEof; tyf jf;]n d"n l;åfGtsf cfwf/df ;d]t ;DalGwt a}+sjf ljQLo
;+:yfnfO{ cfjZos lgb]{zg lbg ;Sg]5 .
$& -s_ afwf c8\sfp km'sfp -!_ o; ljlgodfjnLdf n]lvPsf s'g} s'/f sfof{Gjog ug{ s'g} afwf
c8\sfp k/]df ueg{/n] afwf c8\sfp km'sfpg cfjZos cfb]z hf/L ug{ ;Sg]5 .
-@_ pkbkmf -!_ adf]lhd afwf c8\sfp km'sfpg] cfb]z hf/L ubf{ ;f] sf] sf/0f / cf}lrTo
;d]t v'nfpg' kg]{5 .
$*= vf/]hL / arfp M -!_ g]kfn /fi6« a}+s lg/LIf0f tyf ;'kl/j]If0f ljlgodfjnL, @)&) vf/]h
ul/Psf] 5 .
-@_ pk–ljlgod -!_ adf]lhd vf/]h ul/Psf] ljlgodfjnL adf]lhd eP u/]sf ;Dk"0f{
sfd sf/jfxL o;} ljlgodfjnL adf]lhd eP u/]sf] dflgg]5 .


bf];|f] ;+zf]wg4f/f yk ul/Psf]

28
 cg';"rL
ljlgodfjnLsf] ljlgod $$ ;Fu ;DalGwt
Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfsf] lg/LIf0f tyf ;'kl/j]If0f ;DaGwL k|ltj]bg jf l6Kk0fL :jLs[t ug]{
clVtof/L
:jLs[t ug]{
l;=g+= ljifo lzif{s
clVtof/L
!  ;+ r fns ;ldlt
a}+s tyf /fli6«o:t/sf] ævÆ / æuÆ ju{sf] ljQLo ;+:yfsf] ;dli6ut
:ynut lg/LIf0f k|ltj]bg tyf nlIft lg/LIf0f k|ltj]bg
@  ueg{/
a}+s tyf /fli6«o:t/sf] ævÆ / æuÆ ju{sf] ljQLo ;+:yf afx]ssf cGo
ljQLo ;+:yfsf] ;dli6ut :ynut lg/LIf0f k|ltj]bg tyf nlIft lg/LIf0f
k|ltj]bg
@s 
;DklQ z'4Ls/0f lgjf/0f ;'kl/j]If0f dxfzfvfn] tof/ u/]sf] k|ltj]bg
;DaGwdf
-c_ ;DklQ z'4Ls/0f tyf cftÍjfbL ultljlwdf ljQLo nufgL lgjf/0f ueg{/
;DaGwL ljifosf] :ynut lg/LIf0f k|ltj]bg
-cf_ ;DklQ z'4Ls/0f tyf cftÍjfbL ultljlwdf ljQLo nufgL lgjf/0f ueg{/
;DaGwL ljifosf] ljz]if lg/LIf0f k|ltj]bg
ueg{/
-O_ u}/–:ynut ;'kl/j]If0f OsfOn] tof/ u/]sf] aflif{s k|ltj]bg
O{_ ;DklQ z'4Ls/0f tyf cftÍjfbL ultljlwdf ljQLo nufgL lgjf/0f dxfzfvf k|d'v
;DaGwL ljifosf] sfof{Gjog k|ltj]bg
-p_ dxfzfvfsf] k|ltj]bg sfof{Gjog OsfOn] tof/ u/]sf] jflif{s k|ltj]bg dxfzfvf k|d'v

@v 
ljQLo ;dfj]lztf tyf u|fxs ;+/If0f dxfzfvfn] tof/ u/]sf] k|ltj]bg
;DaGwdf ueg{/
-c_ ;dli6ut :ynut lg/LIf0f k|ltj]bg
-cf_ ljz]if lg/LIf0f k|ltj]bg ueg{/
-O_ u}/–:ynut ;'kl/j]If0f OsfOn] tof/ u/]sf jflif{s k|ltj]bg ueg{/
-O{_ cg'udg lg/LIf0f k|ltj]bg FICPD x]g]{
sfo{sf/L lgb]{zs
-pm_k|ltj]bg sfof{Gjog OsfOn] tof/ u/]sf] jflif{s k|ltj]bg dxfzfvf k|d'v


k|yd;+zf]wg4f/f ;+zf]lwt

k|yd;+zf]wg4f/f yk ul/Psf]

bf];|f] ;+zf]wg4f/f yk ul/Psf]

29
 -P_ k|ltj]bgsf] s}lkmot sfof{Gjog ;DaGwdf yk lgb]{zg dxfzfvf k|d'v

# 
ljz]if tyf cg'udg lg/LIf0f k|ltj]bg
ueg{/
s_ljz]if lg/LIf0f k|ltj]bg
sfo{sf/L lgb]{zs
v_ cg'udg lg/LIf0f k|ltj]bg
$ k|ltj]bg sfof{Gjog OsfO{n] tof/ u/]sf] cw{jflif{s k|ltj]bg sfo{sf/L lgb]{zs
%  Ufeg{/
u}/–:ynut;'kl/j]If0f OsfO{n] tof/ u/]sf] q}dfl;s k|ltj]bg
^ 
jflif{s ljQLo ljj/0f k|sfzg ug]{ ;xdlt
s_ gub nfef+z tyf af]g; z]o/ ljt/0f ug{ dfu ePsf] k|:tfj ueg{/
v_ gub nfef+z tyf af]g; z]o/ ljt/0f ug{ dfu gePsf] k|:tfj 8]k'6L ueg{/
&  sfo{sf/L lgb]{zs
clgjfo{ gub df}Hbft, j}wflgs t/ntf cg'kft, shf{ lgIf]k cg'kft
kof{Kt gePdf nfUg] hl/jfgf
*  sfo{sf/L lgb]{zs
ljkGg ju{ shf{ tyf tf]lsPsf If]qdf k|jfx ug'{kg]{ shf{kof{Kt gePdf
nfUg] xhf{gf
( k'¤hL kof{Kttf ljZn]if0f ;DaGwL dfl;s k|ltj]bg -zL3| ;'wf/fTds sf/jfxL sfo{sf/L lgb]{zs
ug'{ gkg]{_
!) k'FhL kof{Kttf ljZn]if0f ;DaGwL dfl;s k|ltj]bg -zL3| ;'wf/fTds sf/jfxL ug'{kg]{_
s_ /fi6« a}+sn] tf]s]sf] Go'gtd k'FhLsf]if cg'kfteGbf a}+s jf ljQLo ;+:yfn] sfo{sf/L lgb]{zs
sfod u/]sf] k'FhLsf]if kRrL; k|ltzt ;Ddn] sd ePdf
v_ /fi6« a}+sn] tf]s]sf] Go'gtd k'FhLsf]if cg'kfteGbf a}+s jf ljQLo ;+:yfn] ueg{/
sfod u/]sf] k'FhLsf]if kRrL; k|ltzteGbf a9L krxQ/ k|ltzt ;Ddn] sd
ePdf
u_ /fi6« a}+sn] tf]s]sf] Go'gtd k'+hLsf]if cg'kfteGbf a}+s jf ljQLo ;+:yfn] ;+rfns ;ldlt
sfod u/]sf] k'FhLsf]if krxQ/ k|ltzt eGbf a9Ln]] sd ePdf
!! a}+s tyf ljQLo ;+:yfnfO{ ;d:ofu|:t 3f]if0ff ug]{ sf/jfxL ;+rfns ;ldlt
!@ ;'kl/j]If0f ljefux?sf] jflif{s k|ltj]bg ueg{/
!# g]kfn /fi6« a}+s P]g @)%* sf] bkmf !)) sf] pkbkmf -!_sf] v08 -s_, -v_, ueg{/


bf];|f] ;+zf]wg4f/f yk ul/Psf]

30
 -u_, -3_ / -ª_ sf] sf/jfxL
!$ g]kfn /fi6« a}+s P]g @)%* sf] bkmf !)) sf] pkbkmf -!_ sf] v08 -r_ / - ;+rfns ;ldlt
h_ sf] sf/jfxL
!% g]kfn /fi6« a}+s P]g @)%* sf] bkmf !)) sf] pkbkmf -!_ sf] v08 -5_ ueg{/
adf]lhd a}+s jf ljQLo ;+:yfsf] sf/f]jf/dfcf+lzs k|ltaGw nufpg] sf/jfxL
!^ g]kfn /fi6« a}+s P]g @)%* sf] bkmf !)) sf] pkbkmf -!_sf] v08 -5_ ;+rfns ;ldlt
adf]lhd a}+s jf ljQLo ;+:yfsf] sf/f]jf/df k"0f{ k|ltaGw nufpg] sf/jfxL
!& g]kfn /fi6« a}+s P]g @)%* sf] bkmf !)) sf] pkbkmf -@_ sf] v08 -s_ / - ueg{/
v_ sf] sf/jfxL
!* g]kfn /fi6« a}+s P]g @)%* sf] bkmf !)) sf] pkbkmf -@_sf] v08 -u_, -3_ ;+rfns ;ldlt
/ -ª_ sf] sf/jfxL
!( cfjZostf cg';f/ ljefun] ;Dkfbg u/]sf cGo lg/LIf0f k|ltj]bgx?sf] sfo{sf/L lgb]{zs
sfof{Gjog
@) lg/LIf0f tyf ;'kl/j]If0fsf qmddf b]lvPsf s}lkmot ;'wf/ ug{ lbO{Psf sfo{sf/L lgb]{zs
lgb]{zgx?sf] cg'udg ug]{ lznl;nfdf yk lgb]{zg lbg]

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