!

( cf}+

jflif{s k|ltj]bg
@)&^÷&&

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

 ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=sf] !* cf}F jflif{s ;fwf/0f ;efsf emnsx?

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=sf] !(cf}F jflif{sf]T;j ;df/f]xsf emnsx?

pTkfbg / /f]huf/L ;[hgfsf nflu afudtL k|b]z / s[lif ljsf; a}+s ln= tyf ;fgf ls;fg ljsf;
n3'ljQ ljQLo ;+:yf ln= aLr ldlt @)&& d+l;/ !* ut]sf lbg ;DkGg ;x'lnotk"0f{ C0f nufgL ;Demf}tf
sfo{s|dsf emnsx?
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= sf] jt{dfg ;~rfns ;ldlt

>L v]d axfb'/ kf7s

cWoIf
k|ltlglw
;fgf ls;fg ;xsf/L ;+:yf ln

>L k|tfk ;'j]bL >L /jLGb| ofbj >L rfFbgL 9sfn

;~rfns ;b:o ;~rfns ;b:o ;~rfns ;b:o
k|ltlglw k|ltlglw dlxnf k|ltlglw
s[lif ljsf; a}+s ln= ;fgf ls;fg ;xsf/L ;+:yf ln ;fgf ls;fg ;xsf/L ;+:yf ln=

>L pd]z nD;fn >L e'k]z 5Ts'nL >L dx]Gb| k|;fb >]i7
;~rfns ;b:o ;~rfns ;b:o ;~rfns ;b:o
k|ltlglw k|ltlglw :jtGq ;~rfns
;j{;fwf/0f z]o/wgL ;j{;fwf/0f z]o/wgL
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= sf] pRr Joj:yfkg tx

8f= lzj/fd k|;fb sf]O/fnf

k|d'v sfo{sf/L clws[t
a+}s tyf ljQLo ;+:yfsf]
cg'ej M #@ jif{

8f= gj/fh l;Dv8f >L emn]Gb| e§/fO{

gfoa k|d'v sfo{sf/L clws[t sf=d'=gfoa k|d'v sfo{sf/L
a}+s tyf ljQLo ;+:yf Pjd\ tyf sDkgL ;lrj
u}/ ;/sf/L ;+3 ;+:yf ;d]tsf] a}+s tyf ljQLo ;+:yf /
cg'ej M @& jif{ ;xsf/L ;d]tsf]
cg'ej M @& jif{

v
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=sf] Joj:yfkg tx

a}+s ljQLo ;+:yf tyf

s|=;= gfd z}lIfs of]Uotf kb÷ljefu
;xsf/L If]qsf] cg'ej
d'Vo k|aGws -shf{ sfo{qmd
! >L s[i0f k|;fb nfld5fg] :gftsf]Q/ #) jif{
ljefu_
d'Vo k|aGws -ljQ, hgzlQm
@ >L c~h' kf7s :gftsf]Q/ @! jif{
tyf ;fdfGo k|zf;g ljefu_
:gftsf]Q/, d'Vo k|aGws -of]hgf, cg';Gwfg
# >L O{zf s]=;L= !) jif{
l;=P= tyf kl/of]hgf ljefu_
$= >L lzjxl/ cof{n :gftsf]Q/ !$ jif{ al/i7 k|aGws, sfo{qmd zfvf
%= >L lnnfw/ lwtfn :gftsf]Q/ @$ jif{ al/i7 k|aGws, tflnd zfvf
:gftsf]Q/, al/i7 k|aGws, ljQ tyf n]vf
^= >L dlGbkf bfxfn & jif{
l;=P= zfvf

Onfsf k|aGws
s|=;= gfd Onfsf sfof{no
! >L s[i0fs'df/L zdf{ a'6jn, ?kGb]xL
@ >L o'j/fh u}/] alb{af;, dxf]Q/L
# >L u0f]z k|;fb e§/fO{ g]kfnu+h, jfFs]
$ >L z]/ axfb'/ rf}w/L x]6f}+8f, dsjfgk'/
% >L ljzfn s'df/ t'nfw/ uh'/L, wflbª
^ >L /fhs'df/ ofbj kf]v/f, sf:sL
& >L lji0f' k|;fb sfnfv]tL cQ/Lof, wgu9L
* >L ;'efif uf}td latf{df]8, emfkf
( >L ;/f]h e§/fO{ ag]kf, sfe|]
!) >L /fh]Gb| e08f/L lj/]Gb|gu/, ;'v]{t
!! >L lbks /fh kf08] O6x/L, ;'g;/L

u
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= k|ult ;f/+fz

@)&& c;f/ d;fGt;Ddsf] ljj/0fsf] cfwf/df

cfly{s jif{
cfly{s jif{
cfly{s jif{

cfly{s jif{

a}+s tyf ljQLo ;+:yfx?

3
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

cfly{s jif{

ldl>t ;+:yf

s'n r'Qmf k'+hLM ! ca{ @ nfv @( xhf/ $ ;o @%

a}+s tyf ljQLo ;+:yfx?

ª
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

cfly{s jif{

cfly{s jif{

cfly{s jif{
cfly{s jif{

r
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

ljifo ;"rL
ljifo k]h g+=
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=sf] pGgfO;f}F jflif{s ;fwf/0f ;efdf k|:t't ;~rfns 6
;ldltsf] k|ltj]bg
!= ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg 6
@= ljut jif{x?sf] ljQLo cj:yf M 12
#= rfn' cfly{s jif{sf] pknAwL M 13
$= /fli6«o÷cGt/f{li6«o kl/b[io 13
%= ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yfsf] rfn' jif{sf] pknAwL / efjL of]hgf 16
^= n3'ljQ ljQLo ;+:yfsf] Jofj;flos ;DaGwM 23
&= ;~rfng tyf ;'zf;g 26
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=;~rfns ;ldltsf] k|ltj]bg 31
lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] lgod @^ sf] pklgod -@_ ;Fu ;DalGwt jflif{s 35
k|ltj]bgfdf ;dfj]z ug'{kg{] ljj/0f
Digitization of SFACLs & Expansion of Access to Finance in Karnali Province of Nepal (DSFACLs 47
& A2F) kl/of]hgf sf] vr{sf] ljj/0f

5
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yfsf]

!( cf}“ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf
-k|yd k6s k|sflzt ldlt @)&&÷)(÷)& ut]_
o; ljQLo ;+:yfsf] ldlt @)&& kf}if ^ ut] a;]sf] ;~rfns ;ldltsf] #(* cf}F a}7ssf] lg0f{ofg';f/ ;+:Yffsf] !( cf}F jflif{s ;fwf/0f;ef
b]xfosf ljifox¿ pk/ 5nkmn tyf lg0f{o ug{ lgDg ldlt, ;do tyf :yfgdf a:g] ePsf]n] ;Dk"0f{ z]o/wgL dxfg'efjx¿sf] hfgsf/L
tyf er'{cn dfWodaf6 pkl:yltsf nflu sDkgL P]g, @)^# sf] bkmf ^& adf]lhd of] ;"rgf k|sflzt ul/Psf] 5 .
;ef a:g] ldlt, ;do / :yfg M -er'{cn dfWodaf6 ;fwf/0f ;ef ;~rfng ul/g]_ .
-!_ ldlt M @)&& kf}if @* ut] (January 12, 2021) dª\unaf/
-@_ ;do M laxfg !!M)) ah]
-#_ :yfg M ;+:yfsf] /lhi68{ sfof{no, ;'ljwfgu/, ltgs'g], sf7df8f}+ .
(Zoom Meeting id / Password sDkgLaf6 pknAw u/fO{g]5 ._

5nkmnsf ljifox¿ M
-s_ ;fdfGo k|:tfj M
-!_ ;~rfns ;ldltsf] tkm{af6 cWoIfHo"n] k|:t't ug'{x'g] cf=j=@)&^÷&& sf] jflif{s k|ltj]bg pk/ 5nkmn u/L kfl/t ug]{ .
-@_ n]vfk/LIfssf] k|ltj]bg ;lxtsf] cf=j=@)&^÷&& sf] jf;nft, ;f]xL cjlwsf] gfkmf gf]S;fg lx;fa, gub k|jfx ljj/0f / ;f]
;DaGwL cg';"rLx¿ nufot jflif{s cfly{s ljj/0fx¿ ;d]t 5nkmn u/L kfl/t ug]{ .
-#_ sDkgL P]g @)^# sf] bkmf !!! Pjd\ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] bkmf ^#-!_ cg';f/ cf= j= @)&&÷&* sf]
nflu n]vfk/LIfssf] lgo'lQm / kfl/>lds lgwf{/0f ug]{ . -n]vf k/LIf0f ;ldltaf6 sDkgL P]g, @)^# sf] bkmf !^% sf] v08 -3_ sf]
clwgdf /xL n]vfk/LIfssf] k'gM lgo'lQmsf nflu kfl/>lds Eof6 ;d]t ? #,%),))).– -cIf/]kL ltg nfv krf; xhf/_ dfq -sDkgL
P]g @)^# sf] bkmf &* adf]lhdsf k|ult ljj/0f k|dfl0ft / s/ n]vfk/LIf0f ;d]t_ pknAw u/fpg] u/L ;fljssf n]vfk/LIfs
l;=P= vu]Gb| e§/fO{ -vu]Gb| P08 P;f]l;P6\;_ rf6{8{ Psfp06]06\;df lgo'Qm ug{ gfd l;kmfl/; eO{ cfPsf] 5 ._
-$_ cf=j= @)&^÷&& sf] sf/f]af/af6 ePsf] d'gfkmf dWo]af6 z]o/wgLx¿nfO{ r'Qmf k'FhL ?= !,)),)@,@(,$@%=^^ sf] !=#!%&*($&$
k|ltztn] x'g] gub nfef+z ?= !,#!,^),(!#=%) -cIf]/]kL Ps s/f]8 PstL; nfv ;f7L xhf/ gf} ;o t]x| ?k}ofF krf; k};f dfq_
gub nfef+z -s/ k|of]hgsf nflu_ k|bfg ug]{ ;DaGwL k|:tfj kfl/t ug]{ .
-%_ o; ljQLo ;+:yfsf] :jtGq ;~rfns kbdf lgo'lQm ;DaGwdf .
-v_ ljz]if k|:tfj M
-!_ ;~rfns ;ldltn] k|:tfj u/] adf]lhd cf=j= @)&^÷&& sf] sf/f]af/af6 ePsf] d'gfkmf dWo]af6 z]o/ wgLx¿nfO{ r'Qmf k'FhL
!,)),)@,@(,$@%=^^ sf] @% k|ltztn] x'g] ?= @%,)),%&,#%^=$@ -cIf/]kL kRrL; s/f]8 ;GtfpGg xhf/ tLg ;o ;o 5kGg ?k}ofF
aofnL; k};fdfq_ a/fa/sf] af]g; z]o/ ljt/0f ug{] ;DaGwL k|:tfj kfl/t ug]{ .
-@_ o; ljQLo ;+:yfsf] !# cf}F jflif{s ;fwf/0f ;efaf6 :jLs[t eO{ xsk|b z]o/ lgisfzg ubf{ laqmL geO{ afFsL /x]sf] !@,$$@ lsQf
z]o/nfO{ lnnfd u/L laqmL ug{ g]kfn lwtf]kq af]8{af6 ldlt @)&&÷#÷#! df lgb]{zg ePsf] x'Fbf ##^* lsQf k|jw{s z]o/ / (,)&$
lsQf ;j{;fwf/0f z]o/ u/L ?=!))÷– b/sf hDdf !@,$$@ lsQf z]o/ lnnfd laqmL u/L ljQLo ;+:yfsf] k|aGwkqdf ;f]xL cg';f/
;+zf]wg ug]{ .
-#_ o; ljQLo ;+:yfsf] k|aGwkqdf Joj:yf ePsf] hf/L / r'Qmf k'FhL qmdzM ?= !,)),)@,@(,$@%=^^ / ?= !,)),)@,@(,$@%=^^ df
dfly ljz]if k|:tfj g+ -!_ / -@_ cg';f/ j[l4 u/L hf/L / r'Qmf k'FhL qmdzM ?= !,@%,!%,#),(*@=)* / ?= !,@%,!%,#),(*@=)*
sfod ug{] / ;f]xL adf]lhd ldnfg ug{ k|aGwkqsf] bkmf % df ;+zf]wg ug{] .
-$_ o; ljQLo ;+:yfsf] lgodfjnLsf] lgod @ / lgod @( sf] pklgod -!_ v08 -3_ sf] pkv08 -cf_ nfO{ ;+nUg tLg dxn] ljj/0f
cg';f/ ;+zf]wg ug]{ .
-%_ lgodgsf/L lgsfoaf6 k|aGwkq tyf lgodfjnLdf ;+zf]wg÷km]/abn ug{ lgb{]zg ePdf cfjZostfcg';f/ ;f]df yk36, kl/dfh{g
;+zf]wg tyf ;Rofpgsf nflu ;~rfns ;ldltnfO{ clVtof/L lbg] .
-u_ ljljw

;~rfns ;ldltsf] cf1fn],

sDkgL ;lrj,
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
1
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

jflif{s ;fwf/0f ;ef ;DaGwL cGo hfgsf/L

-!_ jflif{s ;fwf/0f ;ef tyf af]g; z]o/sf] k|of]hgfy{ ;+:Yffsf] z]o/wgL btf{ lstfa ldlt @)&&÷(÷!^ b]lv
@)&&÷(÷@* ut];Dd aGb /xg]5 . g]kfn :6s PS;r]Gh lnld6]8df @)&&÷(÷!% ut];Dd sf/f]af/ eO{ ;fwf/0f
;ef x'geGbf cufj} z]o/ wgL btf{ lstfadf sfod z]o/ wgLx¿ dfq sDkgLaf6 ljt/0f x'g] cf=j= @)&^÷&& sf]
nfef+z tyf af]g; z]o/sf nflu of]Uo x'g]5g\ .
-@_ z]o/ wgL dxfg'efjx¿sf] ;'ljwfsf nflu sDkgL P]g @)^#, cg';f/sf] n]vfk/LIfssf] k|ltj]bg ;lxtsf] jflif{s
cfly{s ljj/0f, ;~rfns ;ldltsf] k|ltj]bg tyf jflif{s ;fwf/0f;ef ;DaGwL cGo hfgsf/Lx¿ ;+:Yffsf] j]a;fO6
www.skbbl.com.np df ;d]t pknAw 5 . ;fy} o; ;DaGwL ljj/0fx¿ ;+:Yffsf] s]Gb|Lo sfof{no, ;'ljwfgu/ ltgs'g]
sf7df8f}+ tyf z]o/ /lhi6«f/ glan OGe]i6d]G6 a}+lsË lnld6]8 gS;fn, sf7df8f+} cfO{ lg/LIf0f ug{ / k|fKt ug{ ;Sg'
x'g]5 .
-#_ ljZjJofkL dxfdf/Lsf] ¿kdf km}lnPsf] sf]le8–!( sf] sf/0fn] g]kfn ;/sf/af6 hf/L ul/Psf] ;'/Iff dfkb08sf]
k"0f{ kfngf u/L ;ef ;~rfng ug'{kg]{ ePsf] x'Fbf er'{cn dfWodaf6 ;efdf efu lng] Joj:yf ldnfO{Psf] / To;/L
pkl:ylt ePdf ;d]t ;ef :yndf pkl:yt eP ;/x dfGotf lbg] Joj:yf ldnfO{Psf] 5 . sf]le8–!( sf] ;+qmd0faf6
cfkm" aRg / c?nfO{ klg arfpg er'{cn dfWodaf6 ;efdf pkl:yltsf nflu ;Dk"0f{ z]o/ wgL dxfg'efjx¿nfO{
xflb{s cg'/f]w 5 . ;ef x'g'eGbf ! 306f cufj} er'{cn ;ef v'Nnf ul/g] Joj:yf ldnfO{Psf] 5 .
-$_ jflif{s ;fwf/0f;efdf ;xefuL x'g ljQLo ;+:yfsf] z]o/wgL btf{ lstfadf gfd btf{ ePsf z]o/wgLx¿n] cfˆgf]
gfd, z]o/wgL gDa/ jf Demat A/C/BOID gDa/ ;lxt sDtLdf @ lbg cufj} Meeting id / Password sf nflu
o; ljQLo ;+:yfsf] z]o/ /lhi6«f/ glan OGe]i6d]G6 a}+lsË ln= sf] Od]n 7]ufgf rta@nabilinvest.com.np df Od]n
k7fpg' kg]{5 . z]o/ wgLx¿sf] klxrfg kZrft lghx¿nfO{ Meeting id/Password pknAw u/fO{g]5 . o;/L ;xefuL
x'g rfxg] z]o/wgL cfkmF} jf k|ltlglw dfkm{t er'{cn dfWodaf6 ;efdf efu lng ;Sg]5g\ . gfafns z]o/wgLx¿sf]
tkm{af6 gfafnssf] ;+/Ifs jf lghn] lgo'Qm u/]sf] k|ltlglwn] ;efdf efu lng ;Sg]5g\ . z]o/wgLx¿sf] btf{
lstfadf ;+/Ifssf] ?kdf gfd n]lvPsf] JolQmnfO{ dfq ;+/Ifs dflgg]5 .
-%_ ;efdf cfˆgf] dGtJo /fVg tyf dtbfg ug{ rfxg' x'g] z]o/ wgL dxfg'efjx¿n] ;ef x'g'eGbf sDtLdf $* 306f
cufj} laxfg !) ah]b]lv lbgsf] $ ah]leq companysecretary@skbbl.com.np df Od]n u/L jf sDkgL ;lrjnfO{
;Dks{ u/L cfˆgf] gfd, Demat A/C/BOID, 6]nLkmf]g g+= / Od]n 7]ufgf l6kfpg' kg]{5 / To;/L ;Dks{ ug'{x'g]
z]o/wgL dxfg'efjx¿nfO{ ;efdf dGtJo /fVg Zoom Meeting id / Password pknAw u/fO{g]5 .
-^_ z]o/ wgL dxfg'efjx¿n] JoQm u/]sf dGtJo jf k|Zgx¿sf ;DaGwdf ;~rfns ;ldltsf cWoIf jf lghn] tf]s]sf]
kbflwsf/Laf6 pQ/ lbO{g]5 .
-&_ z]o/ wgL dxfg'efjx¿nfO{ 5nkmnsf ljifox¿dWo] ljljw zLif{s cGt/ut ;+:yf ;DaGwL s]xL lh1f;f eP OR5's
z]o/ wgL dxfg'efjx¿n] ;ef x'g'eGbf sDtLdf ;ft lbg cufj} sDkgL ;lrj dfkm{t ;~rfns ;ldltsf] cWoIfnfO{
lnlvt ?kdf hfgsf/L lbg' kg]{5 . t/ o;nfO{ 5nkmn / kfl/t x'g] k|:tfjsf] ?kdf ;dfj]z ul/g] 5}g .
-*_ ;efdf efu lng, 5nkmn ug{ / dtbfg ug{sf] nflu k|ltlglw lgo'Qm ug{ rfxg] z]o/wgLn] ljQLo ;+:yfsf] csf]{ s'g}
z]o/wgLnfO{ dfq k|ltlglw lgo'Qm ug{ ;Sg'x'g]5 .
-(_ ;+o'Qm ?kdf Ps hgfeGbf a9L JolQmsf] gfddf z]o/ lnPsf]df To:tf] ;fem]bf/x¿åf/f dgf]lgt ul/Psf] ;fem]bf/n]
jf lghx¿n] dgf]lgt u/]sf] k|ltlglwn] / ;f] adf]lhd s'g} ;fem]bf/ dgf]lgt x'g g;s]sf]df z]o/wgLx¿sf] btf{
lstfadf h;sf] gfd klxn] pNn]v ePsf] 5 ;f]xL JolQmn] lbPsf] dt jf k|ltlglwkq dfq ;b/ x'g]5 .
-!)_ k|ltlglw lgo'Qm x'g] z]o/wgLn] ;ef z'? x'g'eGbf &@ 306f cufj} k|ltlglwkq o; ;+:yfsf] z]o/ /lhi6«f/ glan
OGe]i6d]G6 a}+lsË ln= gf/fo0frf}/, gS;fn, sf7df8f+}df Od]n dfkm{t a'emfO{ ;Sg'kg]{5 .
-!!_ k|ltlglw lgo'Qm u/L ;f]sf] nflu k|ltlglwkq o; ;+:yfsf] z]o/ /lhi6«f/ glan OGe]i6d]G6 a}+lsË ln= gf/fo0frf}/,
gS;fn, sf7df8f+}df a'emfO{ ;s]kl5 k|ltlglw ab/ u/L csf]{ k|ltlglw lbg rfx]df ;f]sf] ;"rgf ;ef z'? x'g'eGbf &@
2
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

306f cufj} o; ;+:yfsf] z]o/ /lhi6«f/ glan OGe]i6d]G6 a}+lsË ln= gf/fo0frf}/, gS;fn, sf7df8f+}df lbg'kg]{5 . gofF
k|ltlglwsf] xsdf bkmf * / !) adf]lhd x'g]5 .
-!@_ Ps} z]o/wgLn] PseGbf a9L k|ltlglw lgo'Qm u/]sf] cj:yfdf bkmf !! adf]lhd ab/ ul/Psf]df afx]s To:tf] ;a}
k|ltlglw ab/ x'g]5 .
-!#_ k|ltlglw lgo'Qm ug]{ z]o/wgLn] s'g} sf/0fjz To:tf] k|ltlglw ab/ u/L cfkm}F ;efdf pkl:yt eO{ ;efdf efu lng,
5nkmn ug{ / dtbfg ug{ rfx]df ;f]sf] lnlvt ;"rgf ;ef z'? x'g'eGbf &@ 306f cufj} o; ;+:yfsf] z]o/ /lhi6«f/
glan OGe]i6d]G6 a}+lsË ln= gf/fo0frf}/, gS;fn, sf7df8f+}df a'emfO{ ;Sg'kg]{5 .
-!$_ s'g} a}+s tyf ljQLo ;+:yf, u'7L, ;+3 ;+:yf jf ;fgf ls;fg ;xsf/L ;+:yf jf sDkgLn] o; ljQLo ;:yfsf]
z]o/ v/Lb u/]sf] cj:yfdf ;+:yfsf] k|aGwkq tyf lgodfjnLsf] clwgdf /xL To:tf] ;+ul7t ;+:yfsf] cflwsf/Ls
kbflwsf/Ln] v6fPsf] jf dgf]lgt u/]sf] k|ltlglwn] dfq ;efdf efu lng / dtbfg ug{ kfpg]5 .
-!%_ o; ;DaGwdf cGo s'g} hfgsf/L cfjZos k/]df sfof{no ;doleq ;+:yfsf] s]Gb|Lo sfof{no, ;'ljwfgu/ ltgs'g],
sf7df8f}}+df ;Dks{ /fVg ;d]t cg'/f]w ul/G5 .

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= sf]

!( cf}F jflif{s ;fwf/0f ;efdf k]z ePsf] k|aGwkq ;+zf]]wg ;DaGwL k|:tfjsf] tLg dxn]
;+zf]]wg ug'{kg]{
l;=g+= bkmf÷pkbkmf xfnsf] Joj:yf ;+zf]]wgsf] nflu k|:tfljt Joj:yf
sf/0f
! @ @= ljQLo ;+:yfsf]] /lhi68{ sfof{no @= ljQLo ;+:yfsf]] /lhi68{ g]kfn ;/sf/af6
-s]Gb|Lo sfof{no_ /xg] 7]ufgf M -!_ sfof{no -s]Gb|Lo sfof{no_ k|zf;lgs ;+/rgfdf
o; ljQLo ;+:yfsf] /lhi68{ -s]Gb|Lo_ /xg] 7]ufgf M -!_ o; ljQLo kl/jt{g x'Fbf ;fljs
sfof{no afUdtL c~rn, sf7df8f}+ ;+:yfsf] /lhi68{ -s]Gb|Lo_ j8f g+= kl/jt{g
lhNnf, sf7df8f}+ dxfgu/kflnsf sfof{no afUdtL c~rn, ePsf]n] .
j8f g+ #% df /xg]5 . sf7df8f}+ lhNnf, sf7df8f}+
dxfgu/kflnsf j8f g+ #@ df
/xg]5 .
@ bkmf–% sf] ljQLo ;+:yfsf] k'FhLsf] ;+/rgf M ljQLo ljQLo ;+:yfsf] k'FhLsf] ;+/rgf M cf=j= @)&^÷&& df
v08 -v_ / ;+:yfsf] kF'hLsf] ;+/rgf b]xfo adf]lhd ljQLo ;+:yfsf] kF'hLsf] ;+/rgf k|bfg ul/g] af]g;
-u_ x'g]5M– b]xfo adf]lhd x'g]5 M– z]o/ Pjd\ laqmL x'g
-v_ ljQLo ;+:yfsf] tTsfn hf/L ug{] -v_ ljQLo ;+:yfsf] tTsfn afFsL xsk|b z]o/
z]o/ k'FhL ?= !,)),)@,@(,$@%.^^ hf/L ug{] z]o/ k'FhL ?= yk x'g uO{ sfod
-cIf/]kL Ps ca{ b'O{ nfv pglGt; !,@%,!%,#),(*@=)* x'g] hf/L tyf r'Qmf
xhf/ rf/ ;o klRr; k};f 5};¶L -cIf/]kL Ps ca{ kRrL; k'FhL ldnfg ug'{kg]{
dfq_ x'g]5 . s/f]8 kGw|nfv tL; xhf/ ePsf]n] .
-u_ ljQLo ;+:yfsf] tTsfn r'Qmf k'FhL gf};o aof;L ?k}ofF cf7 k};f
dfq_ x'g]5 .
?= !,)),)@,@(,$@%.^^ -cIf/]kL
-u_ ljQLo ;+:yfsf] tTsfn r'Qmf
Ps ca{ b'O{ nfv pglGt; xhf/
k'FhL ?= !,@%,!%,#),(*@=)*
rf/ ;o klRr; k};f 5};¶L dfq_
-cIf/]kL Ps ca{ kRrL;
x'g]5 . s/f]8 kGw|nfv tL; xhf/
gf};o aof;L ?k}ofF cf7 k};f
dfq_ x'g]5 .
3
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= sf]

!( cf}F jflif{s ;fwf/0f ;efdf k]z ePsf] lgodfjnL ;+zf]]wg ;DaGwL k|:tfjsf] tLg dxn]
pk ;+zf]]wgsf] nflu k|:tfljt
l;=g+= lgod v08 xfnsf] Joj:yf sf/0f
lgod Joj:yf
! @ – – lgod @= ljQLo ;+:yfsf] /lhi68{ lgod @= ljQLo ;+:yfsf] /lhi68{ g]kfn ;/sf/af6
sfof{no -s]Gb|Lo sfof{no_ /xg] sfof{no -s]Gb|Lo sfof{no_ k|zf;lgs ;+/rgfdf
7]ufgf M -!_ o; ljQLo ;+:yfsf] /xg] 7]ufgf M -!_ o; ljQLo kl/jt{g x'Fbf ;fljs
/lhi68{ -s]Gb|Lo_ sfof{no afUdtL ;+:yfsf] /lhi68{ -s]Gb|Lo_ j8f g+= kl/jt{g
c~rn, sf7df8f}+ lhNnf, sf7df8f}+ sfof{no afUdtL c~rn, ePsf]n] .
dxfgu/kflnsf j8f g+= #% df sf7df8f}+ lhNnf, sf7df8f}+
/xg]5 . dxfgu/kflnsf j8f g+= #@ df
/xg]5 .
@ @( -!_ -3_ -cf_ ljQLo ;+:yfsf cWoIfsf] ;'ljwf -cf_ kqklqsf ;'ljwf M ljQLo v08 cg';f/sf
b]xfosf] adf]lhd x'g]5 . ;+:yfsf cWoIfnfO{ zLif{s ldnfg ug{
-!_ ljQLo ;+:yfsf cWoIfnfO{ dfl;s kqklqsf pko'Qm b]lvPsf] /
dfl;s kqklqsf jfkt ?=!)))÷–- cfjZostfg' ; f/
afkt ?=!)))÷– cIf]/]kL Psxhf/ dfq_ / kl/dfh{g ug{ kg]{
-cIf]/]kL Psxhf/ dfq_ / ;~rfnsnfO{ ?=%,))÷– ePsf]n] .
;~rfnsnfO{ ?=%,))÷– -cIf]/]kL kfFr;o dfq_
-cIf]/]kL kfFr;o dfq_ pknAw u/fOg]5 .
pknAw u/fOg] 5 .
-@_ t/ o; ljQLo ;+:yfsf
cWoIfn] cGo s'g} lgsfo
jf k|ltlglwTj ug{] ;+3
;+:yfaf6 dfly -!_ df
pNn]lvt ;'ljwfx? lnPsf]
ePdf ;f] sd eP hltsf]
km/s /sd dfq pknAw
u/fOg]5 .

4
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

s]Gb|Lo sfof{no, sf7df8f}+ .
-sDkgL P]gsf] bkmf &! sf] pkbkmf -#_ ;Fu ;DjlGwt_
pGGffO{;f}“ jflif{s ;fwf/0f ;efdf efu lng tyf dtbfg ug{ cfgf] k|ltlglw -k|f]S;L_ lgo'Qm ug]{ lgj]bgsf] 9f“rf

>L ;~rfns ;ldlt

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
s]Gb|Lo sfof{no, sf7df8f}F .
ljifo M k|ltlglw lgo'Qm u/]sf] af/] .

===================lhNnf ==================g= kf= ÷ uf= kf= j8f g+= ========= a:g] d ÷ xfdL ========================= n] To; sDkgLsf]
z]o/wgLsf x}l;otn] ;Djt\ @)&& kf}if @* ut]sf lbg x'g] !( cf}F jflif{s ;fwf/0f ;efdf d ÷ xfdL :jod\ pkl:yt eO{
5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsfn] pQm ;efdf d]/f ÷ xfd|f tkm{af6 efu lng tyf dtbfg ug{sf nflu
======================= lhNnf ==================== g= kf= ÷ uf= kf= j8f g+= ========== a:g] >L ===========================================
==================== nfO{ d]/f] ÷ xfd|f] k|ltlglw lgo'Qm u/L k7fPsf] 5' ÷ k7fPsf 5f}F .
k|ltlglw lgo'Qm ePsf] JolQmsf] –
x:tfIf/sf] gd'gf M ===== ======== ======= ========= ====== ==== ===== ============ ======== ====
z]o/wgL eP z]o/wgL g+= ======= ========= ====== ==== ==== ======= ========= ====== ==== ====
8LDof6 g+= M ===== ======== ======= ========= ====== ==== === ======= ========= ====== ==== ======
z]o/wgL eP z]o/ k|df0fkq g+= M ===== ======== ======= ========= ====== ==== =======
z]o/wgL geP gful/stfsf] k|df0fkq g+= M ===== ======== ======= ========= ====== =======
lgj]bs
b:tvt M===== ======== ======= ========= ====== =====
gfd M == ===== ======== ======= ========= ====== ====
7]ufgf M ===== ======== ======= ========= ====== =======
z]o/wgL g++= ======== ======= ========= ====== =======
8LDof6 g+=M ===== ======== ============ ====== =======
z]o/ k|df0fkq g+= M ===== ======== ======= =========
z]o/ ;ª\Vof M ===== ======== ======= ========= ======
ldlt M ===== ======== ======= ========= ====== ====

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= sf]

pGgfO{;f}+F jflif{s ;fwf/0f ;efdf pkl:yltsf nflu k|j]zkq
z]o/wgL÷k|ltlglwsf] gfd M
7]ufgf M
z]o/ k|df0fkq g+= M
8LDof6 g+=M M
lnPsf] z]o/;ª\Vof M
z]o/wgL÷k|ltlglwsf] b:tvt M sDkgL ;lrj
of] k|j]zkq ;fwf/0f ;efdf efu lng cfpFbf k]z ug'{kg]{5 .
5
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=sf] pGgfO;f}“ jflif{s ;fwf/0f ;efdf k|:t't
;~rfns ;ldltsf] k|ltj]bg -cfly{s jif{ @)&^÷&&_
cfb/0fLo z]o/wgL dxfg'efjx?,
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8sf]
o; pGgfO;f}F jflif{s ;fwf/0f ;efdf k|ToIf pkl:yt /
ljB'tLo k|ljlwdfkm{t ;xefuL x'g' ePsf ;Dk"0f{ z]o/wgL
dxfg'efjx?nfO{ ;~rfns ;ldlt tyf d cfkm\gf] tkm{af6
xflb{s :jfut Pjd\ clejfbg ub{5' .
cfh xfdL cToGt cK7\of/f] l:yltdf of] ;ef ug{ uO{/x]sf
5f}F . ljZjJofkL dxfdf/Lsf] ¿kdf km}lnPsf] sf]le8–!( sf]
sf/0fn] w]/} z]o/wgL, ;fgf ls;fg kl/jf/ tyf g]kfnL
gful/sx?sf] Hofg UfPsf] 5 . pxfFx?k|lt xflb{s >4f~hnL
ck{0f ug{ rfxfG5' . dxfdf/Lsf] sf/0fn] hghLjgdf k/]sf]
c;/ / lk8faf6 ;a}nfO{ rfF8} 5'6\sf/f ldnf];\ egL sfdgf
;d]t ub{5' .
h:tf];'s} ljktnfO{ klg ef]Ub} / l5rf]Nb} cl3 a9\g'sf]
ljsNk xfdL;Fu 5}g . oxL ljZjJofkL dxfdf/Lsf] sf/0f
g]kfn ;/sf/af6 hf/L ul/Psf] ;'/Iff dfkb08sf] k"0f{
kfngf u/L ;ef ;~rfng ug'{kg]{ ePsf] x'Fbf o;af6 kg{
uPsf] c;'ljwf k|lt xfdL Ifdfk|fyL{ 5f}F . ljifd kl/l:yltlar
of] !( cf}F ;fwf/0f ;efdf ljB'tLo dfWod lel8cf] sGkm/]G;
-er'{cn dfWod_ af6 efu lng ;lsg] Joj:yf ldnfO{Psf]
5 . To;/L pkl:yt ePdf ;d]t ;ef :yndf pkl:yt
eP ;/x dfGotf lbg] Joj:yf ldnfO{Psf] x'Fbf cfh xfdL
o;/L k|ljlwaf6 l;w} / k|ToIf hf]l8P/ of] ;fwf/0f ;ef
ug{ ;Sg] ePsf 5f}F . of] ;Ís6sf] cj:yfdf ;d]t lel8of]
sGkm/]G; dfkm{t ;dodf ;xefuL eP/ ;fwf/0f ;efnfO{
;kmn agfpg oxfFx?n] ug'{ ePsf] ;xof]usf nflu xflb{s
wGojfb lbg rfxfG5' .
oxfFx? ;dIf o; n3'ljQ ljQLo ;+:yfsf] pGgfO;f}F jflif{s
k|ltj]bg k|:t't ug{ kfpFbf Hofb} v'zL nfu]sf] 5 . k|:t't
cfly{s jif{ @)&^÷&& cyf{t @)&& cfiff9 #! ut]sf]
;+lIfKt cfly{s ljj/0f /fli6«o :t/sf] b}lgs klqsfdf
k|sfzg ug'{sf ;fy} z]o/wgLn] dfu u/]sf] avtdf kfpg]
u/L o; ljQLo ;+:yfsf] s]Gb|Lo sfof{no / z]o/ /lhi6«f/
glan O{Ge]i6d]06 a}+lsË ln=df /fVg'sf ;fy} j]a;fO6df
;d]t k|sfzg ul/;lsPsf] 5 . @)&& cfiff9 d;fGtsf]
jf;nft, cfly{s jif{ @)&^÷&& sf] cGTo ;Ddsf] gfkmf
gf]S;fg lx;fa, gfkmf gf]S;fg afF8kmfF8 lx;fa, gub k|jfx
ljj/0f tyf cGo ljQLo ljj/0fx? :jLs[ltsf nflu o;
ul/dfdo ;efdf k|:t't ug{] cg'dlt rfxG5' .
6
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
ut cfly{s jif{df o; n3'ljQ ljQLo ;+:yfn] u/]sf]
k|ult ;DaGwL ljj/0f o;} k|ltj]bgdf pNn]v ul/Psf] 5 .
k|ltj]bgnfO{ ;'wf/ ug{, ljQLo ;+:yfsf] cfufdL lbgdf
sfo{qmd Pjd\ sfo{lbzf tof/ ug{ tyf ljQLo ;+:yfsf]
p2]Zo k|flKtdf k|efjsfl/tf a9fpg ;bfem}+ oxfFx?af6
/rgfTds ;'emfj, ;Nnfx, ;xof]u / dfu{bz{gx? k|fKt x'g]g}
5 eGg] s'/fdf xfdL ljZj:t 5f}F .
!= ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg
tTsflng sDkgL P]g cGtu{t lj=;+= @)%* ;fn c;f/
@@ ut] klAns lnld6]8 sDkgLsf] ¿kdf æ;fgf ls;fg
ljsf; a}+sÆ n] btf{ gfdfs/0f kfPsf] xf] . ljsf; a}+ssf]
¿kdf :yflkt o; ;+:yfsf] a}+s tyf ljQLo ;+:yf ;DaGwL
P]g, @)&# nfu" ePkl5 gfd kl/jt{g eO{ æ;fgf ls;fg
ljsf; n3'ljQ ljQLo ;+:yf ln=Æ ePsf] 5 . o;n] k|rlnt
a}+s tyf ljQLo ;+:yf ;DaGwL P]g adf]lhd g]kfn /fi6«
a}+saf6 …3Ú ju{sf] /fli6«o :t/sf] n3'ljQ ;+:yfsf ¿kdf
:jLs[lt k|fKt u/L n3'ljQ If]qdf Ps k|d'v yf]sshf{
k|bfos ;+:yfsf ¿kdf sf/f]af/ ub}{ cfPsf] 5 . n3'ljQsf
k|rlnt cEof;x¿ eGbf km/s 9Ën] :yfgLo txdf ;jn,
;Ifd, :jfoQ / lbuf] ;+:yfx¿sf] lgdf{0faf6 dfq ul/aL
Gog"Ls/0fsf] ultnfO{ tLj|tf k|bfg ug{ ;lsG5 eGg] of]
ljQLo ;+:yfsf] dfGotf /x]sf] 5 . ljQLo ;+:yfn] u|fdL0f
ljkGg tyf ;fgf ls;fgx¿sf] cfly{s / ;fdflhs ljsf;sf
nflu pgLx¿s} :yfgLo ;Ifd ;+:yfx¿ dfkm{t n3'ljQ tyf
;fdflhs ljsf;sf sfo{qmdx¿ ;~rfng ub}{ cfPsf] 5 .
!=! P]ltxfl;s k[i7e'dL
;fgf ls;fg ljsf; sfo{qmdsf] nfdf] ofqfdf ljleGg
gjk|jt{gLo cEof;x? eP . ufpF ufpFdf ;fgf ls;fg
;xsf/Lx?sf] :yfkgf eof] eg] ljQLo 5ftf ;+:yfsf] ¿kdf
lj=;+= @)%* df ;fgf ls;fg ljsf; ljQLo ;+:yf lnld6]8
:yfkgf ul/of] . To;} u/L ;xsf/L ;~hfnsf] ¿kdf lj=;+=
@)^# df g]kfn s[lif ;xsf/L s]Gb|Lo ;+3 -;fgf ls;fgx?åf/f
k|jlw{t_ sf] :yfkgf eof] . ;fgf ls;fgx?nfO{ d"No z[ª\
vnfdf cfj4 ug{ s[lif cf}Bf]uLs/0fdf n}hfg] qmd ;d]t
;'? eO{;s]sf] 5 .
;fgf ls;fg ljsf; sfo{qmd / ljQLo ;+:yfsf] P]ltxfl;s
k[i7e"ld oxfF ;+If]kdf k|:t't ul/Psf] 5 .
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

-s_ ;fgf ls;fg ljsf; cfof]hgf

u|fdL0f u/Lasf] cfly{s cj:yfdf ck]lIft ;'wf/ u/L u|fdL0f ljkGgtf sd ub}{ b]zsf] ;du| cfly{s cj:yfdf ;'wf/ Nofpg]
nIo /fv]/ g]kfn ;/sf/ tyf cGt/f{li6«o ;ª\3;+:yflar ePsf] ljrf/–uf]i7Lsf] kmn:j¿k ;g\ !(&% -lj=;+=@)#@_ df
g]kfndf ;fgf ls;fg ljsf; sfo{qmdsf] yfngL eof] . s[lif ljsf; a}+saf6 b]z e/sf tTsfnLg ^ ;o %@ ufpF ljsf;
;ldltsf sl/a @ nfv !) xhf/ ;fgf ls;fg kl/jf/ ;d]6]/ ufpFufpFdf ;fgf ls;fg ljsf; cfof]hgfx¿ vf]nL sfo{qmdsf]
lj:tf/ ul/of] . s[lif ljsf; a}+ssf] u|fdL0f ljsf; PsfO{sf] ¿kdf oL cfof]hgfx?n] u|fdL0f ;fgf ls;fgx?sf] cfly{s tyf
;fdflhs ljsf; ug]{ dfq geO{ ljQLo ;fwg ;|f]tdf pgLx?sf] kx'Fr a9fpg ;d]t 7"nf] d2t k'¥ofof] .
-v_ ;fgf ls;fg ;+:yfut ljsf;
;fgf ls;fg ljsf; cfof]hgfsf] lj:tf/;Fu} o;sf] lbuf]kgfnfO{ lnP/ ljleGg 5nkmnx? ;'? eof] . ;fy} sfo{qmd leq}
nlIft ju{sf] :jfldTj :yfkgf, ;zQmLs/0f / g]t[TjbfoL e"ldsf :yfkgf x'g'kg{] cfjZostf dx;'; x'Fb} uof] . sfo{qmdsf]
lj:tf/ vr{ Go"gtd laGb'df /fVb} nfutsf] b[li6sf]0fn] ;d]t k|efjsf/L agfpg] Pjd\ :yfgLo txdf g]t[Tj ljsf; u/L
sfo{qmdnfO{ lbuf] ¿kdf ;~rfng x'g] pkfosf] vf]hL :j¿k ;fgf ls;fg ;+:yfut ljsf;sf] cjwf/0ff NofO{of] . cf=j=
@)$@÷$# ;fnb]lv tTsfnLg hL=6L=h]8= tyf s[lif ljsf; a}+ssf] ;+o'Qm k|of;df ;fgf ls;fg ljsf; sfo{qmdleq :yfgLo
¿kdf g} ;+:yfut ljsf; ug]{u/L ;DalGwt ;fgf ls;fgx¿sf] k|ToIf ;xeflutf a9fpg ;d"x, cGt/;d"x / d"n ;ldlt
u/L tLg txfTds :yfgLo ;fË7lgs :j¿ksf] cEof; ;'? ul/of] . g]t[Tj Pjd\ Joj:yfksLo Ifdtf ljsf;sf nflu ljljw
sfo{qmdx¿ ;~rfng eP .
;+:yfut ljsf; sfo{qmdsf] ;fdflhs kIf Hofb} k|efjsf/L b]lvof] . ;fgf ls;fgx?df g]t[Tj axg ug]{ ;Lksf] k|efjsf/L
¿kdf ljsf; eof] . :yfgLo cfjZostf cg';f/sf ljifox?df :yfgLo ;fgf ls;fg g]tT[ jn] lg0f{o k|s[ofdf kl/kSjtf /
;Ifdtf k|bz{g u/] . o;af6 ;fgf ls;fgx?n] :jtGqtfk"j{s cfkm\gf] ;Ë7g ;~rfng ug{ ;Sg] s'/fdf s[lif ljsf; a}+s
ljZj:t eof] . ;fgf ls;fgsf o:tf ;+:yfx?nfO{ s'g sfg'gL :j¿kdf ;+:yfut ug]{ eGg] pkfox?sf] vf]hL x'g
yfNof] . tTsfnLg cj:yfdf o:tf ;Ë7gnfO{ btf{ ug{ ;Sg] pkfox?df sDkgL, ;fdflhs ;+:yf -u]}/;/sf/L ;+:yf_ jf
;xsf/Lsf] :j¿k dWo] s'g} Ps pQd ljsNk 5fGg ;lsg] b]lvof] . ;fgf ls;fgx?;Fu 5nkmn / cGt/lqmofx? eP . sfg'gL
/ Joj:yfksLo k/fdz{x? lnO{P . lj1x?sf ;'emfjx? k|fKt eP . /, cGtdf o:tf ;+:yfx?nfO{ ;xsf/L :j¿kdf sfg'gL
dfGotf k|bfg ug{ plrt x'g] pQd ljsNk 7x/ eof] .
-u_ ;fgf ls;fg ;xsf/L ;+:yf ln=
;+:yfut ljsf; sfo{qmdn] :yfgLo ;fgf ls;fgx?sf] g]t[Tj / Joj:yfksLo Ifdtfdf NofPsf] kl/jt{g :j¿k pgLx¿
cfkm}F s[lif ljsf; a}+s ;dIf ‘;fgf ls;fg ljsf; cfof]hgfsf] Joj:yfkg x:tfGt/0f u/L lng’ dfu ug{ ;Sg] cj:yfdf
k'u] . ;fgf ls;fgx¿sf] uflj; :t/df lgdf{0f ePsf ;Ë7gnfO{ pQd ljsNksf] ¿kdf k|rlnt ;xsf/L P]g adf]lhd btf{
ul/of] . cf= j= @)%)÷%! b]lv s[lif ljsf; a}+sn] ;fgf ls;fg ljsf; cfof]hgfsf] Joj:yfkg / :jfldTj ltg} :yfgLo
;fgf ls;fgx¿sf] :yfgLo ;xsf/L ;+:yfnfO{ x:tfGt/0f ug{ ;'? u¥of] . o; k|sf/ g]kfnn] Pp6f nfdf] cEof; kl5 u|fdL0f
;zQmLs/0f / lbuf] ;Ë7gsf] gljgtd df]8]n ljsf; ug{ ;kmn eof] . log} ;xsf/Lx?nfO{ ;fgf ls;fg ;xsf/L gfdfs/0f
ul/of] . oL ;fgf ls;fg ;xsf/L ;+:yfx?nfO{ s[lif ljsf; a}+ssf] Joj:yfkgdf /x]sf] ;fgf ls;fg ljsf; cfof]hgfsf
;Dk"0f{ ;DklQ tyf bfloTjx? x:tfGt/0f ul/of] . ;xsf/L ;+:yfnfO{ cfjZos kg]{ yf]s shf{ s[lif ljsf; a}+sn] g} pknAw
u/fpg] Joj:yf ldnfO{of] . ;+:yfx? :jtGq¿kdf ;~rfng x'g yfn] / s[lif ljsf; a}+sn] !( jif{ b]lv ljsf; ub}{ cfPsf]
sfo{qmdaf6 k|ToIf ;+nUgtf qmdzM x6fpFb} nUof] .
-3_ ;fgf ls;fg ;xsf/L ;+:yf ln= sf ljz]iftf
;fgf ls;fg ;xsf/L cleofg g]kfn ;/sf/sf] ul/aL lgjf/0f cleofgaf6 ;'? ePsf] x'Fbf k/Dk/fut ;xsf/Lx? eGbf
o;df ljlzi6 lsl;dsf ljz]iftfx? /x]sf 5g\ . of] g]kfnsf] df}lns gd'gf xf] / of] df]8]nnfO{ lxhf] cfh w]/} ;xsf/L
;+:yfx?n] ;d]t ?rfPsf] kfOPsf] 5 . o;sf ljz]iftfnfO{ tn ;+lIfKtdf pNn]v ul/Psf]5 .

7
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

tflnsf–! ;fgf ls;fg ;xsf/L ;+:yfsf ljz]iftf

qm;+ cfwf/ k/Dk/fut ;xsf/L ;+:yfx? ;fgf ls;fg ;xsf/L ;+:yfx?
ljkGg tyf ;fgf ls;fgx? -dlxnf, blnt /
! nlIft ju{ tf]Sg cfjZos 5}g . lk5l8Psf] ju{ ljz]if ¿kdf_ dfq o;sf ;b:o x'g
;Sg] .
Š hlt ;'s} ;fgf] jf 7"n]f If]q
Š Ps uf=kf= df @ j6f, Ps g=kf= df # j6f / Ps
x'g ;Sg] .
@ sfo{ If]q p=d=g=kf= df % j6f dfq x'g;Sg] .
Š :yfg 5gf}6sf] ;'ljwf
Š ;a} j8fdf ;b:otf x'g} kg]{ Joj:yf /x]sf] .
/x]sf] .
# ;b:o Ps} 3/sf w]/} hgf x'g ;Sg] . Ps 3/w'/L Ps ;b:o .
$ ;b:o ;ª\Vof !)) hgf eGbf a9L . #&% 3/w'/L eGbf a9L nlIft ju{ ;b:o x'g'kg]{ .
qL–txfTds ;Ë7gsf] Joj:yfM ;d'x, cGt/;d'x /
% ;Ë7g ;~rfns ;ldlt
;~rfns ;ldlt .
;j{;fwf/0f ;fgf ls;fgx? g} g]t[Tjdf cfpg ;Sg]
sdhf]/ ju{sf] g]t[Tj :yflkt
^ ;xeflutf / ljleGg lqmofsnfkdf ;xeflu x'g ;Sg] k|0ffnLut
x'g] ;+:yfut Joj:yfsf] cefj
Joj:yf /x]sf] .
& s[lifdf cfwfl/t ljljwtf /x]sf] . ;fgf ls;fg / s[lif Joj;fodf g} s]lGb|t /x]sf] .
ljkGg / ul/ax?sf] ;fdflhs / cfly{s ¿kfGt/0fsf
* ;fdflhs kl/rfng afWotf g/x]sf] . nflu ;fdflhs kl/rfngsf] cGt/lgld{t Joj:yf
/x]sf] .
( n3'ljQ ;]jf jfWotf g/x]sf] . clgjfo{ ¿kdf n3'ljQ ;]jfdf ;dlk{t .
;b:o ;'/If0f, kz'wg ;'/If0f, u|fdL0f kz':jf:Yo
s[ifssf] ax'cfolds sfo{stf{, s[lif ;fdfu|L cfk"lt{ ;]jf, s[lif ahf/
!) jfWotf g/x]sf] .
;+/If0f sfo{qmd Joj:yf cflb ;b:o ;+/If0fsf ax'cfolds sfo{qmd
;~rfng .
!! d'gfkmf ug'{sf] p2]Zo nfef+z ljt/0f . ;fdflhs k'FhL lgdf{0fdf nufgL .
;fgf ls;fg s[lif ;xsf/L ;+:yfx?s} nufgLdf ;fgf
ljlzli6s[t a}+s
!@ gePsf] . ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=sf] :yfkgf
:yfkgf
ePsf] .
g]kfn e/Lsf ;fgf ls;fg s[lif ;xsf/L ;+:yfx?sf]
sfo{;~rfngdf
!# gePsf] . sfo{;~rngdf Ps¿ktf /xg' kg]{ ljlw /x]sf], h;n]
Ps¿ktf
ubf{ Ps¿ktf sfod /x]sf] .
;xsf/L ljefuaf6 x'g] cg'udg lg/LIf0fsf cltl/Qm
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=n]
!$ cg'udg lg/LIf0f ;xsf/L ljefu .
z'Id¿kdf cg'udg ug]{ / pgLx?sf] Ifdtf ljsf;df
lg/Gt/ ;xof]u ug]{ Joj:yf /x]sf] .
;fgf ls;fg ;xsf/L df]8]n g]kfnL df6f]df pTklQ,
k|of]u / ;kmntfk"j{s ;~rfngdf /x]sf] df}lns
!% df}lns gd'gf k/Dk/fut cEof; . df]8]nsf] ¿kdf :yflkt e} ;s]sf] . cGt/f{li6«o
¿kdf æ;fgf ls;fg df]8]nÆ lrlgPsf] / rrf{df
cfPsf] .

8
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
!=@ ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
s[lif ljsf; a}+ssf] Jofj;flos k|fyldstfdf ePsf]
kl/jt{g, ;fgf ls;fg ljsf; sfo{qmdn] xfl;n u/]sf]
pknAwL, ;/sf/sf] bfloTj / ev{/ :yfkgf ePsf ;fgf
ls;fg ;xsf/L ;+:yfx?sf] cfjZostfn] ;fgf ls;fg
ljsf; n3'ljQ ljQLo ;+:yf ln= :yfkgf ug{ k|]l/t u¥of] .
-s_ ;fgf ls;fgx?sf] 5ftf ;+:yfsf] ¿kdf ;fgf ls;fg
ljsf; n3'ljQ ljQLo ;+:yf ln=
;fgf ls;fg ;xsf/L ;+:yfx¿nfO{ ul/aL Go"gLs/0fdf
:j:km"t{ / lbuf]¿kdf ;~rfng x'g ;Sg] t'Nofpg
Pjd\ ljQLo tyf k|fljlws ;xof]u k'¥ofpg s[lif
ljsf; a}+sleq ljlzi6 ljefux¿ :yfkgf ul/P klg
s[lif ljsf; a}+ssf a[xt\ sfo{qmdx¿ Pjd\ kl/jlt{t
k|fyldstfsf sf/0fn] ;fgf ls;fg ljsf; cleofgdf
k|z:t of]ubfg k'Ug g;Sg] xf] ls eGg] lrGtf klg
a9\b} uof] . ;Ifd / ;jn :yfgLo u|fdL0f ;+:yf aGg
;xof]u k'¥ofpg] Pjd\ n3'ljQ ;]jfaf6 jl~rt If]qdf
;fgf ls;fg ;xsf/L ;+:yf u7g u/L ljkGg tyf ;fgf
ls;fgx¿sf] cfly{s tyf ;fdflhs ljsf;sf nflu
ljQLo kx'Fr lj:tf/ ug]{ dfq ljlzi6 p2]Zo lnP/
Ps 5'§} /fli6«o :t/sf] a}+s :yfkgf x'g'kg]{ cfjZostf
dx;'; ul/of] . o;} ;Gbe{df s[lif ljsf; a}+ssf]
cu'jfO / g]kfn ;/sf/sf] ;xof]u Pjd\ ;fgf ls;fg
;xsf/L ;+:yfx?sf] ;d]t ;xeflutfdf lj= ;+= @)%*
;fn c;f/ @@ ut] ;fgf ls;fg ljsf; a}+ssf] :yfkgf
eof] . cf/Dedf a}+ssf ;+:yfks z]o/wgLx¿df g]kfn
;/sf/, s[lif ljsf; a}+s ln=, glan a}+s ln=, g]kfn
a}+s ln= / @! j6f ;fgf ls;fg ;xsf/L ;+:yfx¿
/x]sf lyP .
lj= ;+= @)^&÷^* df g]kfn ;/sf/sf] :jfldTjdf
/xsf] z]o/ ljleGg ;fgf ls;fg ;xsf/L ;+:yfx¿nfO{
laqmL u/] kZrft\ xfn s[lif ljsf; a}+s ln=, glan a}+s
ln=, g]kfn a}+s ln= / @#! j6f ;fgf ls;fg ;xsf/L
;+:yfx¿sf tkm{af6 sl/a &)Ü ;+:yfks z]o/ /
;j{;fwf/0f z]o/wgLx¿sf] sl/a #)Ü z]o/ /x]sf] 5 .
-v_ s[lif ljsf; a}+saf6 ;fgf ls;fg ljsf; a}+sdf sf/f]af/
x:tfGt/0f
s[lif ljsf; a}+såf/f k|j4{g ul/Psf @!) j6f
;fgf ls;fg ;xsf/L ;+:yfx¿sf] pQm a}+s;Fusf]
C0f sf/f]af/ lj= ;+= @)^# ;Dddf qmdzM ;fgf
ls;fg ljsf; a}+sdf ;fl/of] . ;fgf ls;fg ;xsf/L
;+:yfx¿n] s[lif ljsf; a}+snfO{ ltg{ afFsL shf{ ;fk6
9
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
;fgf ls;fg ljsf; a}+snfO{ ltg'{kg]{ / ca pk|fGt
;fgf ls;fg ;xsf/L ;+:yfx¿nfO{ cfjZos kg]{ shf{
;fk6 ;fgf ls;fg ljsf; a}+sn] pknAw u/fpg]
Joj:yf ldnfOof] . s[lif ljsf; a}+sn] ;fgf ls;fg
s[lif ;xsf/L ;+:yfx?df afFsL /x]sf] 8]9 ca{ eGbf a9L
shf{ /sd ljQLo ;+:yfnfO{ x:tfGt/0f u/]sf]df o;
ljQLo ;+:yfn] pQm /sd s[lif ljsf; a}+snfO{ e'QmfgL
ul/;s]sf] 5 .
-u_ ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=sf] :jfoQ
Joj:yfkg
s[lif ljsf; a}+sn] ;fgf ls;fg ljsf; a}+ssf]
:yfkgfb]lv g} dxfk|aGws Pjd\ bIf sd{rf/Lx¿
sfhdf k7fO{ o;sf] Joj:yfkg ub}{ cfPsf] lyof] .
lj= ;+= @)^^ df v'nf k|lt:kwf{sf cfwf/df k|d'v
sfo{sf/Lsf] Joj:yf ul/of] . lj= ;+= @)^& df o;
a}+ssf] ;~rfns ;ldltsf] cWoIf kbdf klxnf]k6s
;fgf ls;fg ;xsf/L ;+:yfsf k|ltlglwsf] rog
eof] . s[lif ljsf; a}+saf6 cfpg'ePsf sd{rf/Lx¿
qmdzM lkmtf{ eO{ cfjZos ;ª\Vofdf sd{rf/Lx¿ egf{
ug{ yflnof] . lj= ;+= @)^( df ;j{;fwf/0fdf z]o/
lgisfzg ePkZrft\ k"0f{ ;ª\Vofsf] ;~rfns ;ldlt
u7g eof] .
o;/L ;fgf ls;fg ljsf; sfo{qmdsf] pkhsf] ¿kdf
:yflkt ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
@)^& b]lv :jfoQ Joj:yfkgdf k"0f{ lhDd]jf/Lsf ;fy
k|efjsf/L kl/0ffd lgsfNg ;kmn ePsf] 5 .
-3_ ljQLo ;+:yfsf sfo{x? -Functions_
o; ljQLo ;+:yfn] xfn;Dd lgDg lqmofsnfknfO{
cfˆgf] sfo{If]qsf] ¿kdf lnPsf] 5 .
 ;fgf ls;fg ;xsf/L ;+:yf nufot cGo o:t}
k|s[ltsf n3'ljQ ;+:yfx?nfO{ 5f]6f] / dWod
cjlwsf] yf]sshf{ / k'g/shf{ k|bfg ug]{ .
 g]kfn ;/sf/ tyf bft[;+3÷;+:yfx?af6 k|fKt
;|f]t kl/rfng u/L ;+:yfx? dfkm{t ;fdflhs tyf
;fd'bflos sfo{qmd ;~rfngdf ;xof]u k'¥ofpg] .
 cfa4 ;+:yfx?sf] ;fË7lgs tyf ljQLo ;Ifdtf
ljsf;sf] nflu cfjZos ljQLo ;xof]u k'¥ofpg] .
 ;+:yfx?sf] ;anLs/0fsf nflu lgoldt k/fdz{
;]jf tyf cGo k|fljlws ;xof]u k'¥ofpg] .
 cfa4 ;+:yfx?sf] ljQLo sf/f]af/ nufot ;du|
lqmofsnfksf] lg/LIf0f, cg'udg tyf d"Nofª\sg
ug]{÷u/fpg] .
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
 ljBdfg ;fgf ls;fg ;xsf/L ;+:yfx?nfO{ ;]jf
gk'u]sf cGo :yfgdf ;dfg k|s[ltsf ;+:yfx?
lgdf{0f ug{ ;fgf ls;fg ;xsf/L cg';/0f
(Replication) sfo{qmd ;~rfng ug]{ sfo{df
clek|]l/t, k|f]T;fxg / ;xof]u ug]{ .
 n3'ljQ ;DaGwL cGo b]zdf ;+rflnt c;n
cEof;sf] vf]hL u/L cfa4 ;+:yfx?df ;d]t
;~rfng ug{ clek|]l/t ug]{ .
 ;+:yfx?sf] ljQLo ;Ifdtf / lbuf]kgfnfO{ clej[l4
ug{ cfjZos /0fgLlt cjnDag ug]{÷u/fpg] .
 u|fdL0f ljsf; Pjd\ n3'ljQsf] of] ;kmn cjwf/0ff
tyf k|f¿knfO{ c? ;+:yfdf ;d]t nfu" u/fpg] .
 g]kfn /fi6« a}+ssf] dfu{bz{g cg'¿k ;+:yfsf]
ljQLo ;"rsfÍ sfod ub}{ ;+:yfut ;'zf;gdf
/xg] .
!=# Jofj;flos k|s[of -k|bfg ul/g] ;]jf / k|s[of_
-s_ ;|f]t Joj:yfkg M
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yfn] k"0f{ a}+lsË
sfo{x? gug]{ ePsf]n] a}+s tyf ljQLo ;+:yfx?af6 k|fKt
x'g] ljkGgju{ shf{ g} o;sf] k|d'v ljQLo ;|f]t xf] . g]kfn
;/sf/n] ljut jif{b]lv pknAw u/fpFb} cfPsf] df;'hGo
tyf b'UwhGo -kz'kfng sHff{_, t/sf/L v]tL shf{ o;sf]
csf]{ d'Vo ljQLo ;|f]t xf] . o; ljQLo ;+:yfn] g]kfn ;/sf/
dfkm{t cGt/f{li6«o ljQLo ;+3÷;+:yf / ;xof]uL lgsfoaf6
;d]t shf{ k|fKt ub}{ cfPsf] 5 . o;sf cltl/Qm ljQLo
;+:yfsf] z]o/ k'FhL, hu]8f sf]if, ;+lrt d'gfkmf / cGo
cg'bfgaf6 klg k'FhL Joj:yfkg ub{} cfPsf] 5 .
-v_ ljQLo ;+:yfsf] ;]jf k|jfx ;+/rgf M
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yfn] ;fgf ls;fg s[lif
;xsf/L ;+:yfx? tyf cGo ;xsf/L ;+:yfx?nfO{ yf]sshf{
tyf k'gMshf{ ;]jf pknAw u/fpF5 . o; ljQLo ;+:yf n] !!
j6f Onfsf sfof{no dfkm{t ;]jf pknAw u/fpFb} cfPsf] 5 .
10
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
;+:yfx?sf] cg'udg, lg/LIf0f tyf shf{ k|jfx ug{sf nflu
;a} sfof{nox? lhDd]jf/ 5g\ . ljQLo ;+:yfn] ljkGg tyf
u/Lax?df n3'ljQ ;]jf k'¥ofpg ;fgf ls;fg s[lif ;xsf/L
tyf ;dfg k|s[ltsf cGo ;xsf/L dfkm{t yf]s shf{ pknAw
u/fpF5 . ;Demf}tfdf pNn]v ul/g] ztf{g';f/ nlIft ju{df
pQm shf{ k|jfx ug]{ lhDd]jf/L ltg} ;fem]bf/ ;+:yfx?sf]
x'g]5 . ;+:yfx?n] k|efjsf/L ;]jf k|bfg ug{ ;s'g eg]/ o;
ljQLo ;+:Yffn] ;fem]bf/ ;+:yfx?sf] Ifdtf clej[l4 nufot
cGo k|fljlws ;xof]u ;d]t pknAw u/fpF5 .
o;sf cltl/Qm ljkGg tyf ;fgf ls;fgx?sf] ;+:yfut
Ifdtf tyf ;fdflhs ;jnLs/0fsf nflu ;/sf/ tyf cGo
bft[;+:yf / ;fgf ls;fg ;+:yfx?sf] lardf /x]/ k'nsf]
sfd klg ub{} cfPsf] 5 . ;fgf ls;fg ;xsf/L cg';/0f
sfo{qmd dfkm{t b]zsf ljleGg u|fdL0f ;d'bfosf dlxnf,
blnt dw]zL hghflt / cGo lk5l8Psf ju{nfO{ ;]jf
k'¥ofpFb} cfPsf] 5 .
-u_ ljQLo ;+:yf;Fu cfj4tf M
c= cfj4tf k|fKt ug{ clgjfo{ M ;fgf ls;fg ljsf;
n3'ljQ ljQLo ;+:yf;Fu sf/f]af/ ug{ O{R5's
;xsf/L÷n3'ljQ ;+:yfx?n] o; ljQLo ;+:yfsf]
sf/f]af/df cfj4tfsf nflu cfj]bg ug'{ k5{ .
To:tf ;+:yfx?sf] sfg'gL, ljQLo, Joj:yfksLo
tyf ;'zf;gsf ljifodf ljQLo ;+:yfn] ;+:yfut
k/LIf0f ub{5 . ;+:yfut k/LIf0f ubf{ s'g} sdL
sdhf]/Lx? kfO{Pdf ;f] ;'wf/ e};s]kl5 dfq
;+:yfx?nfO{ cfj4 ug{] / ;]jfx?df ;l/s u/fpg]
sfo{ ub{5 .
cf= cfj4tfsf nflu dfkb08x? M ljQLo ;+:yfsf]
;]jfdf cfj4 x'g b]xfo cg';f/sf] dfkb08 k'/f
u/]sf] x'g' k5{ M
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

-!_ tflnsf g+= @ ljQLo ;"rsx¿

ljQLo ;+:yf;Fu sf/f]af/ z'? u/]sf] jif{
qm= ;+= ;"rsx¿
klxnf] bf];|f]÷t];|f] t];|f] jif{ kl5
! k'FhLsf]if cg'kft M s_ k|fylds k'FhLsf]if >2% >4% >5%
v_ hDdf k'FhLsf]if >5% >8% >10%
@ afx\o C0f÷nufgLdf /x]sf] C0f cg'kft <70% <65% <60%
# g]6jy{ wgfTds g]6jy{ x'g' kg]{
$ ;~rfng :j;Ifdtf >100% >105% >110%
% jflif{s c;'nLb/ >80% >90% >90%
^ ;lqmo u|fxs ;ª\Vof >80% >90% >90%
& n//df sd{rf/L k|zf;lgs vr{ cg'kft <5% <4% <4%
* C0f ;DklQ -n//_ df j[l4 b/ - 10% 15%
( dlxnf ;~rfns k|ltzt >33% >33% >33%

-@_ ;'zf;g shf{ ltg{ g;ls cbfntn] 6f6 kN6]sf] km};nf

 ;+:yfsf] tLg jifL{o Jofj;flos of]hgf lgdf{0f eO{
;f]xLcg';f/ ;+:Yffsf sfo{qmdx¿ ;~rfng ePsf]
x'g'kg]{,
 ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yfnfO{ dfGo
x'g] lsl;dn] ljQLo sf/f]af/sf] k|rlnt bf]xf]/f] n]vf
k|0ffnL -Double Entry Accounting System_ sf]
cfwf/df x/–lx;fa lstfa cBfjlws ¿kdf /fVg]
u/]sf] / afXo n]vf k/LIfsåf/f k|To]s jif{ n]vfk/LIf0f
ePsf] x'g'kg]{,
 ;++:yfdf lgDgfg';f/sf ;~rfns kbflwsf/L / sd{rf/L
/x]sf] cj:yfdf pQm ;+:yf o; ljQLo ;+:yfaf6 shf{
k|fKt ug{ cof]Uo x'g]5,–
 ;+:yfsf ;~rfns kbflwsf/L, sd{rf/L tyf lghsf
Psf3/ kl/jf/x¿sf] gfddf ;+:yfdf s'g} lsl;dsf]
efvf gf3]sf] shf{ afFsL /x]sf] .
 ;+:Yffsf ;~rfns, sd{rf/L / cGo s'g} klg
;b:ox¿sf] gfddf ;+:yfn] tf]s]sf] shf{ lng kfpg]
clwstd ;LdfeGbf a9L shf{ k|jfx ePsf] .
 ;~rfns, sd{rf/L / cGo s'g} klg ;b:ox¿sf]
gfddf ;+:yfdf a]?h' tyf km5f}{6 x'g'kg]{ ;do
;LdfeGbf ! dlxgf jf ;f]eGbf a9L cjlwn] k]:sL
afFsL /x]sf] .
 ;+:yfsf ;~rfns kbflwsf/L / sd{rf/Lx¿n] cGo
a}+s tyf ljQLo ;+:yf;Fu shf{ lnO{ efvf g3fO{ /x]sf]
jf cGo a}+s tyf ljQLo ;+:yfx¿n] sfnf];"rLdf
/fv]sf] Pjd\ cGo a}+s tyf ljQLo ;+:yf;Fu lnPsf]
11
;'gfPsf] .
-#_ cg'ej M sDtLdf @ jif{b]lv nlIft ;d"x÷ju{sf
JolQmx¿df art ;Íng / shf{ k|jfx ug]{ sfo{ ub}{ cfO{
/x]sf] x'g'kg]{5 .
-3_ shf{ nufgL Joj:yfM
-c_ yf]s shf{ k|bfos M n3'ljQ If]qsf nflu yf]s shf{
k|jfx ug]{ sfo{ g} o; ljQLo ;+:yfsf] k|d'v Joj;fo
xf] . o;n] ;fgf ls;fg ;xsf/L ;+:yfx? tyf cGo
;dfg k|s[ltsf ;xsf/L ;+:yfx?nfO{ n3'ljQ k|of]hgsf
nflu yf]s shf{ k|jfx ub{5 . nufgLnfO{ Jojl:yt ug{
shf{ gLlt, sfo{ljlw, dfkb08 th'{df ul/Psf 5g\ . oL
gLlt lgod / sfo{ljlwx? k|rlnt sfg"g Pjd\ s]Gb|Lo
a}+ssf] lgb{]zg Pjd\ n3'ljQsf dfGotf / cEof;
cg'¿k /x]sf5g\ .
-cf_ nlIft ;d'bfo -hg;ª\Vof_ M ;+:yfx?n] tkl;n
adf]lhdsf ;d'bfodf shf{ k|jfx ug'{ kg]{ Joj:yf
/x]sf] 5 M
 kxf8 jf t/fOdf !% /f]kgL / t/fOdf ! ljufxf eGbf
sd hUuf ePsf]
 lgoldt cfDbfgL gePsf / cToGt sl7g ju{sf
lhjg lgjf{x ul//x]sf] JolQm jf kl/jf/
 cGo a}+s ljQLo ;+:yf tyf ;/sf/L shf{ afFsL
gePsf] JolQm tyf kl/jf/
 blnt, dw]zL, lk5l8Psf ju{, dlxnf tyf
n3'pBdLx? .
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
-O_ lwtf];DaGwL Joj:yf M
;fgf ls;fg ;xsf/L ;+:yf tyf cGo ;xsf/L ;+:yfx?n]
shf{ k|fKt ug{sf nfuL pk/f]Qm dfkb08x? k'/f u/]sf]
x'g'kb{5 . ljQLo ;+:yfn] shf{ k|jfx ubf{ ;+:yfx?;+u s'g}
lwtf] lnFb}g t/ o;n] ;+:yfsf ;~rfnsx?sf] JolQmut
hdfgL tyf ;+:yfut hdfgL cfjZos dfGb5 .
-O{_ shf{ l:js[t ;Ldf M
ljQLo ;+:yfn] shf{ :jLs[lt k|s[ofnfO{ Onfsf sfof{no nfO{
!@ s/f]8 ;Dd / s]Gb|Lo sfof{nonfO{ @) s/f]8 ;Dd shf{
l:js[t ug{ ;Sg] clwsf/ 5 . ;f] eGbf dflysf] l:js[ltsf]
nfuL ;~rfns ;ldltsf] k"j{l:js[lt lng' kg]{ Joj:yf /x]sf]
5.
-p_ ljQLo ;+:yfaf6 pknAw u/fOPsf shf{sf k|sf/x?M–
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yfn] ljleGg k|sf/sf
shf{x? pknAw u/fpb} cfPsf] 5 . -s_ n3'ljQ yf]s shf{,
-v_ kz'kfng tyf b'Uw pTkfbg shf{, -u_ gljs/0fLo phf{
shf{, -3_ e'sDk k|efljt If]qsf nfuL lhljsf]kfh{g shf{,
-ª_ u|fdL0f pBd shf,{ -r_ ljz]if If]qsf nflu s[lif shf{
/ cf=j= @)&&÷&* b]lv z'? ul/Psf yk shf{x? -5_
ljkGg tyf ;fgf ls;fgdf sf]le8–!( af6 k/]sf] cfly{s
c;/ sd ug{ k|bfg ul/g] …k'g?Tyfg shf{Ú -h_ u|fdL0f
:jfjnDag shf{, -em_ afudtL k|b]z ;/sf/;Fu ;fem]bf/Ldf
;~rfng x'g] …;x'lnotk"0f{ shf{Ú cflb . shf{sf] ;DaGwdf
cGo hfgsf/L ljQLo ;+:yfsf] j]a;fO6 tyf sfof{nox?af6
k|fKt ug{ ;lsG5 .
-pm_ ;]jf k|fKt ug{ nfUg] Aofhb/ / cjlw M
xfn o; ljQLo ;+:yfn] k|jfx ug]{ shf{df k|ltj]bg ldltdf
sfod /x]sf] Aofhb/ tflnsf – ^ df k|:t't 5 .
tflnsf–# ljQLo ljj/0fsf] ;f/f+z
qm;+ ljj/0f @)&& c;f/
! z]o/ k'FhL 1,250,287
@ ;fwf/0f hu]8f sf]if 497,397
# ;l~rt d'gfkmf 484,003
$ C0f ;fk6L 19,374,243
% v'b nufgLdf /x]sf] /sd 20,823,481
^ cGo nufgL 891,171
& ;~rfng d'gfkmf 842,401
* v"b d'gfkmf 556,218
( kF"hL kof{Kttf -k|ltztdf_ 10.57
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
@= ljut jif{x?sf] ljQLo cj:yf M
d'n'ssf] ;du| cfly{s kl/j]zdf ePsf] ptf/–r9fj /
ljQLo ahf/df tLj| k|lt:kwf{ x‘'bf xF'b} klg of] ljQLo ;+:yf
n3'ljQsf] ;]jf lj:tf/ ub}{ ljQLo l:yltdf pNn]vgLo ;'wf/
ug{ ;kmn ePsf] 5 . o; ljQLo ;+:yfn] cf=a= @)&^÷&&
df ((,)$! yk ljkGg tyf ;fgf ls;fg kl/jf/df
;]jf lj:tf/ u/L s'n *,@&,(#$ kl/jf/nfO{ n3'ljQ ;]jf
k'¥ofpg ;kmn ePsf] 5 . cl3Nnf] cf=j=;Dd o; ljQLo
;+:yfdf s'n &%) ;xsf/Lx? cfj4 /x]sfdf ;f] ;ª\Vof
!!$^ k'u]sf] 5 .
cf=j= @)&%÷&^ sf] cGtdf s'n nufgLdf /x]sf] /sd ?=
@) cj{ $% s/f]8 &) nfv /x]sf]df ;dLIff jif{df $=$&
k|ltztn] j[l¢ eO{ @)&& c;f/ d;fGtdf ?= @! cj{ #&
s/f]8 @# nfv k'u]sf] 5 . ;fy} cf=j= @)&%÷&^ df ?=
!& cj{ &@ nfv shf{ nufgL u/]sf]df ;dLIff aif{df @=@#
k|ltztn] Åf; cfO{ ?= !& cj{ #@ s/f]8 $& nfv Pjd\
shf{ c;"nLdf ;dLIff jif{df !%=*( k|ltztn] j[l¢ eO{
shf{ c;"nL ?= !^ cj{ $) s/f]8 (% nfv k'u]sf]] 5 .
cf=j= @)&%÷&^ df s'n ;~rfng cfDbfgL ?= (@ s/f]8
! nfv /x]sf]df cf=j= @)&^÷&& df @#=(( k|ltztn] j[l¢
eO{ ?= ! c/a !$ s/f]8 @ nfv k'u]sf] 5 . ;fy} cf=j=
@)&%÷&^ df v'b d'gfkmf ?= $( s/f]8 !% nfv /x]sf]df
cf=j= @)&^÷&& df !#=!^ k|ltztn] a[l4 eO{ ?= %%
s/f]8 ^@ nfv k'u]sf] 5 . @)&& c;f/ d;fGtdf ljQLo
;+:yf sf] ;+lrt gfkmf ?= $* s/f]8 $) nfv /x]sf] lyof] .
sf]le8 !( sf] dxfdf/Ln] pTkGg ljifd kl/l:yltdf klg
af]gz z]o/sf] dfWodaf6 @% k|ltztn] z]o/ kF"hL j[l¢ ug{
of] ljQLo ;+:yf ;kmn ePsf] 5 . ljQLo ;+:yfn] cfkmgf]
sf/f]jf/sf] z'?jftb]lv g} shf{sf] u'0f:t/nfO{ pRr /fVg
;kmn ePsf] 5 .
-? xhf/df_
@)&^ c;f/ a[l4÷-x|f;_
1,000,229 25.00%
386,153 28.81%
400,306 20.91%
17,650,340 9.77%
20,154,656 3.32%
191,171 366.16%
743,808 13.26%
491,516 13.16%
9.35 13.05%

12
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

tflnsf–$ s]xL dxTjk"0f{ ljQLo ;"rsx?

-? xhf/df_
qm;+ ljj/0f ;"rsf° cf=j=&^÷&& cf=j=&%÷&^
! v'b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt 24.55 24.69
@ k|lt z]o/ cfDbfgL ?= 44.49 49.14
# Jofh cfDbfgL÷shf{ tyf ;fk6 k|ltzt 10.03 9.99
$ sd{rf/L vr{÷s'n ;~rfng vr{ k|ltzt 5.78 4.72
% s'n lgIf]k tyf ;fk6Ldf Jofh vr{ k|ltzt 5.57 5.91
^ sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt 107.34 119.81
& v'b gfkmf÷s'n ;DklQ cg'kft 2.28 2.24
* s'n ;~rfng vr{÷s'n ;DklQ k|ltzt 5.84 5.68
( a's g]6jy{ -k|lt z]o/_ ?= 235.36 242.67

#= rfn' cfly{s jif{sf] pknAwL M
cf=j=@)&^÷&& sf] c;f]h d;fGtdf cfos/ / jf]g;
Joj:yf kl5sf] gfkmf ?= !# s/f]8 &* nfv /x]sf]df rfn'
cf=j= @)&&÷&* sf] c;f]h d;fGtdf ?= !$ s/f]8 x'g
uPsf] 5 . @)&^ sf] c;f]hdf v'b shf{ tyf ;fk6 ?= !(
ca{ #$ s/f]8 /x]sf]df @)&& c;f]h d;fGtdf ?= !* ca{
$^ s/f]8 k'u]sf] 5 . @)&^ sf] c;f]hdf s'n lglis|o shf{
)=)( k|ltzt /x]sf]df @)&& ;fn c;f]h d;fGtdf )=((
k|ltzt ePsf]] 5 . rfn' cfly{s jif{sf] c;f]h d;fGt;Ddsf]
;+lIfKt k|ult ljj/0f lgDgfg';f/ /x]sf] 5 . sf]le8–!(
sf] sf/0faf6 ePsf] aGbfaGbLn] shf{ nufgL / ;~rfng
d'gfkmfdf s]xL ;ª\s'rg cfPsf] 5 .

tflnsf–% s]xL dxTjk"0f{ ljQLo ;"rsx?

-? xhf/df_
qm;+ ljj/0f @)&& c;f]h @)&^ c;f]h a[l4÷-x|f;_
! C0f ;fk6L 18,463,813 19,341,788 -4.54%
@ s'n nufgLdf /x]sf] /sd 19,341,960 19,494,788 -0.78%
# nufgL 2,036,164 1,581,171 28.78%
$ ;~rfng d'gfkmf 181,000 195,795 -7.56%
% v"b d'gfkmf 140,030 137,781 1.63%
^ kF"hL kof{Kttf -k|ltztdf_ 13.91 11.90 16.89%

$= /fli6«o÷cGt/f{li6«o kl/b[io ;+/If0f l;4fGt cg'kfngnfO{ dxTj lbO{Psf] 5 . /fli6«o

$=! n3'ljQsf] ljZj k|;· / ;fgf ls;fg ljsf; cleofgM
/fli6«o / cGt/f{li6«o If]qdf n3'ljQsf ljleGg df]8]nx?
cjnDag ul/Psf 5g\ . tL df]8]nx?eGbf ;fgf ls;fg
ljsf; sfo{qmdn] cjnDag u/]sf] df]8]n leGg 5 . of] ;]jf
k|bfos df]8]n geP/ nlIft ju{sf] :jfldTj lgdf{0f Pjd\
;xeflutfTds df]8]n klg xf] . o;sf nflu u|fdL0f ;fgf
ls;fg ;xsf/L ;+/rgfsf] k|0ffnL ljsf; ePsf] 5 . ljut
s]xL jif{b]lv n3'ljQsf] ;Gbe{nfO{ lnP/ ljZj:t/df s]xL
ulDe/ ax;x? ;'? ePsf 5g\ . o; If]qdf b]lvPsf ljrng
/ ;'wf/sf sbdx?nfO{ o; ljQLo ;+:yfn] ulDe/tfsf ;fy
lnPsf] 5 . :yfgLo :t/df ;+:yf Pjd\ :JffldTj l;h{gf,
:yfgLo k'FhL lgdf{0f, ;xsf/L l;4fGt, d"No dfGotf / u|fxs
13
/ cGt/f{li6«o ;Dd]ng, uf]i7L Pjd\ cg';Gwfgx?df qmdzM
;fgf ls;fg df]8]nsf] klxrfg / k|;f/ lj:tf/ x'Fb} uPsf]
5 . ljZjJofkLs/0fsf nflu o;sf] k|fl1s kIfdf cem w]/}
d]xgt ug{ afFsL g} 5 .
$=@ ljZj cy{tGq M
ljZjJofkL dxfdf/Lsf] ¿kdf km}lnPsf] sf]/f]gf -sf]le8–!(_
sf] ;+qmd0fn] dfgjLo Iflt x'g'sf] ;fy} ljZj cy{tGqdf
ulDe/ c;/ k/]sf] 5 . of] ;+qmd0fsf] /f]syfd / lgoGq0f ug{
rflnPsf sbdx?af6 pTkfbg b]lv cfk"lt{ / pkef]u;Ddsf]
>[ªvnf vNalnPsf] 5 . ;g\ @)!( df @=( k|ltztn] lj:tf/
ePsf] ljZj cy{tGq sf]le8–!( dxfdf/L / o;af6 dfgjLo
Iflt sd ug{ ljZje/ ckgfO{Psf ns8fpg nufotsf
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
pkfox?sf sf/0f ;g\ @)@) df # k|ltztn] ;+s'rg x'g],
ljsl;t d'n'sx?sf] cy{tGq ;g\ @)!( df !=& k|ltztn]
lj:tf/ ePsf]df ;g\ @)@) df ^=! k|ltztn] ;+s'rg x'g]
/ pbLodfg tyf ljsf;zLn cy{tGq ;g\ @)!( df #=&
k|ltztn] j[l4 ePsf]df ;g\ @)@) df ! k|ltztn] 36\g]
cGt/f{li6«o d'b|f sf]ifsf] k|If]k0f 5 .
$=# /fli6«o cfly{s kl/b[io
cfly{s ;j]{If0f @)&^÷&& cg';f/ @)&^ kmfu'g d;fGt;Dd
d'b|fl:kmlt, e'QmfgL ;Gt'ng, ljb]zL d'b|f ;l~rlt, nufgL /
ljQLo kl/;"rsx? ;Gtf]ifhgs /x]sf 5g\\ . o; cjlwdf
cfoftdf ;ª\s'rg cfPsf] / lgof{tdf lj:tf/ ePsf sf/0f
Aofkf/ 3f6fdf ;'wf/ cfPsf] 5 eg] zf]wgfGt/ l:ylt
artdf /x]sf] 5 . ljQLo ;]jfdf pNn]vgLo lj:tf/ ePsf]
5 eg] ljb]zL nufgL pT;fxk|b 9Ën] a9]sf] 5 . Jofj;flos
/ nufgLsf] jftfj/0f hf]lvdk"0f{ x'g yfn];Fu} of] jif{ cfly{s
j[l4b/ Go"g x'g] k|f/lDes cg'dfg /x]sf] 5 . cfufdL lbgdf
gful/s hLjgnfO{ ;'/lIft agfpFb} cfly{s lqmofsnfkx?sf]
k'g?Tyfgdf k|fyldstfsf ;fy cl3 a9\g' cfjZos /x]sf]
5.
;g\ @)!( sf] cGTolt/af6 ljZjdf dxfdf/Lsf] ¿kdf
km}lnPsf] sf]/f]gf efO/; -sf]le8–!(_ af6 d'n'ssf] s[lif,
pBf]u, oftfoft, ko{6g, xf]6]n tyf /]i6'/]06, lgdf{0f, yf]s
tyf v'b|f Jofkf/nufot ;]jf If]qx?df a9L c;/ k/]sf] 5 .
sf]/f]gf efO/; k|sf]ksf] c;/ blIf0f PlzofnL d'n'sx?dWo]
g]kfndf sd x'g] cGt/f{li6«o lgsfox?sf] cg'dfg /x]tfklg
of] jif{ cfly{s j[l4b/ Go"g eO{ ul/aL / j]/f]huf/Ldf rfk
kg]{ l:ytL 5 .
o; dxfdf/Ln] ljZj cfly{s ultljlwdf ;':ttf cfP;Fu}
j}b]lzs /f]huf/Lsf cj;/x? u'Dg], tna nufotsf
;'ljwfx?df s6f}lt x'g] tyf j}b]lzs /f]huf/Lk|ltsf] nufj
sd x'g ;Sg] ePsf]n] cfufdL lbgdf j}b]lzs /f]huf/Ldf
uPsf zx/ kms{g] / jflif{s sl/a % nfv gofF >dzlQm
ahf/df k|j]z x'g] sf/0fn] ubf{ a]/f]huf/ hg;ª\Vofdf
Aofks j[l¢ x'g] / csf]{lt/ ljk|]if0f cfk|jfx ;d]t 36\g]
b]lvG5 .
cfly{s jif{ @)&^÷&& df pTkfbssf] d"Nodf @=@* k|ltzt
cfly{s j[l4 x'g] s]Gb|Lo tYofÍ ljefusf] k|f/lDes cg'dfg
5 . rfn' cfly{s jif{df wfg pTkfbg 36\g'sf] ;fy} sf]le8–
!( dxfdf/Lsf sf/0f pTkfbg tyf cfk"lt{ k|0ffnL k|efljt
x'g uO{ cy{tGqsf ;a} If]q k|efljt ePsf 5g\ . cfly{s
jif{ @)&^÷&& df k|ltJolQm s'n ufx{:Yo pTkfbg cd]l/sL
8n/ !)*% k'Ug] cg'dfg 5 . of] cl3Nnf] cf=j= df cd]l/sL
8n/ !)#( /x]sf] lyof] .
14
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
kGw|f}F of]hgfn] ;a} gful/snfO{ dof{lbt / pTkfbglzn
/f]huf/Lsf cj;/ pknAw u/fpg] bL3{sfnLg ;f]r lnPsf]
5 . o:t}, pQm of]hgfn] b]zleq pTkfbglzn / dof{lbt
/f]huf/Lsf cj;/ lj:Tff/ ug{], c;n cf}Bf]lus >d;DaGw
ljsf; ug{], afn>d nufot ;a} k|sf/sf >dzf]if0f cGTo
ug{] j}b]lzs /f]huf/LnfO{ ;'/lIft, dof{lbt / Jojl:yt ug]{
nufotsf p2]Zox¿ /fv]sf] 5 .
plNnlvt ;a} tYox¿n] s[lifnfO{ Jofj;foLs/0f, oflGqs/0f
/ ljljlws/0f ug]{, d"Noz[[ª\vnf :yflkt ug]{ / ;Lk, nufgL
/ k'FhLsf] ;d'lrt ;lDd>0fsf nflu :yfgLo ¿kdf ;+:yfut
ljsf; u/fpg] / pBdlzntf ljsf; sfo{df cem hf]8
lbg'kg]{ cj:yf b]vfpF5 . lg/k]If ul/aLsf] /]vfd'lg /x]sf
3/ kl/jf/sf] hLjg:t/ dfly p7fO{ b]zsf :jfledfgL
gful/ssf] ¿kdf afFRg ;Ifd agfpg' kg{] cfhsf] k|d'v
cfjZostf / r'gf}tL ePsf]n] g]kfn ;/sf/sf] cfjlws
ljsf; of]hgfx¿df u|fdL0f ljsf; / ul/aL lgjf/0f
sfo{qmdnfO{ k|fyldstf lbO{+b} cfPsf] 5 .
$=$ n3'ljQsf] cj:yf
-s_ /fli6«o cfly{s kl/b[io M
ljut # jif{ nuftf/ pRr cfly{s j[l4sf] af6f]df
lxl8/x]sf]df sf]le8—!( dxfdf/Lsf sf/0f rfn' cfly{s jif{
g]kfnsf] cfly{s j[l4b/ @=@* k|ltzt /xg] s]Gb|Lo tYofÍ
ljefusf] k|f/lDes cg'dfg 5 . :jf:Yo ;Í6sf] eofjx
cj:yfdf cy{tGqsf] Joj:yfkg r'gf}tLk"0f{ ag]sf] 5 .
cfGtl/s cfly{s lqmofsnfkdf b]lvPsf] lzlyntf, j}b]lzs
/f]huf/Ldf pTkGg wSsf / cfk"lt{ z[ª\vnfdf b]vfk/]sf]
c;xhtfsf sf/0f j:t' ahf/, >d ahf/ / ljQLo ahf/sf]
;Gt'ng k|efljt x'g] hf]lvd a9]sf] 5 .
cfly{s jif{ @)&^÷&& kmfu'g d;fGt;Dddf ljQLo If]qdf
kx'Fr clej[l4 x'Fb} hfg'sf] ;fy} ljQLo sf/f]af/ pNn]Vo
lj:tf/ ePsf] 5 . jfl0fHo a}+s, ljsf; a}+s / ljQ sDkgL
:yfkgfsf nflu Ohfht lbg] sfo{ :yug ul/Psf] /
k'FhL j[l4 ;DaGwL gLltsf sf/0f a}+s tyf ljQLo ;+:yf
dh{/÷k|flKtdf ;fd]n x'Fb} uPsfn] a}+s tyf ljQLo ;+:yfsf]
;ª\Vof 36\b} uPsf] 5 . oBlk ljut s]lx jif{otf ljQLo
If]qsf] ljsf; tyf ;'b[9Ls/0fsf nflu ePsf gLltut
Joj:yfsf] k|efjsf/L sfof{Gjog / ;'wf/sf sf/0f ljQLo
kx'Fr clej[l4 x'g'sf ;fy} jfl0fHo a}+ssf zfvfx? ;a}h:tf]
:yfgLo lgsfodf :yfkgf e};s]sf] sf/0fn] ubf{ ljQLo
sf/f]af/df ;d]t pNn]Vo lj:tf/ ePsf] 5 .
@)&& c;f/d;fGtdf n3'ljQ ljQLo ;+:yfx?sf] zfvf
;ª\Vof #,($^ k'u]sf] b]lvG5 . ;f] cjlwdf ;b:o ;ª\Vof
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
%=&% k|ltztn] j[l4 eO{ $,^*& xhf/, C0fL ;ª\Vof $=%%
k|ltztn] j[l4 eO{ @,&*# xhf/ k'u]sf] 5 . n3'ljQ ljQLo
;+:yfx?df !(,)!& hgf sd{rf/Lx? sfo{/t /x]sf 5g\ h'g
@)&^ c;f/d;fGtsf] t'ngfdf (=)^ k|ltztn] a9L xf] .
cf=j=@)&^÷&& sf] kmfu'g d;fGt;Dd ;xsf/L ;+:yfx¿sf]
;ª\Vof #$ xhf/ * ;o #&, z]o/ ;b:o ;ª\Vof ^% nfv
!% xhf/ $ ;o ^) / z]o/ k'FhL ?= && ca{ @$ s/f]8
/x]sf] 5 . ;xsf/L If]qdf ?= # va{ %) ca{ %* s/f]8 art
kl/rfng eO{ ?= # va{ $! ca{ &! s/f]8 C0f kl/rfng
ePsf] 5 eg] ^* xhf/ $ ;o k|ToIf /f]huf/L l;h{gf ePsf]
5.
cfly{s ;j]{If0f @)&^÷&& cg';f/ @)&^ kmfu'g;Dddf a}+s
tyf ljQLo ;+:yfx¿sf] lgIf]k (=& k|ltztn] a9]sf]df rfn'
cfly{s jif{sf] ;f]xL cjlwdf * k|ltzt\n] j[l4 eO{ ?= #$ va{
($ ca{ @! s/f]8 /x]sf] 5 . shf{ k|jfxdf !$=^ k|ltztn]
j[l4 eO{ ?= #! va{ %^ ca{ ^! s/f]8 nufgLdf /x]sf]
5 . cf=j=@)&%÷&^ sf] ;f]xL cjwLdf o:tf] shf{ !$=^
k|ltztn] j[l4 ePsf] lyof] . jfl0fHo a}+sx?n] s'n shf{sf]
sDtLdf !) k|ltzt s[lif / !% k|ltzt\ phf{ tyf ko{6gdf
k|jfx ug'{kg]{ Joj:yf cg';f/ cfly{s jif{ @)&^÷)&& sf]
kmfu'g;Dddf @)=$ k|ltzt\ shf{ k|fyldstf If]qdf k|jfx
u/]sf 5g\ .
cf=j= @)&^÷)&& sf] r}q d;fGt;Dddf n3'ljQ ljQLo
;+:yfx?sf] s'n lgIf]k !=(@ k|ltzt\n] j[l¢ eO{ ? ! va{ $
ca{ # s/f]8 () nfv k'u]sf] 5 . cl3Nnf] cf=j= df lgIf]k
&# k|ltzt\n] j[l¢ ePsf] b]lvG5 . To;}u/L pQm ;+:yfx?sf]
@)&^ sf] r}q d;fGt;Dddf shf{ /sd )=!# k|ltzt\n]
j[l¢ eO{ ? @ va{ @& ca{ %% s/f]8 *) nfv k'u]sf] 5 .
cl3Nnf] cf=j= df shf{ k|jfx ^! k|ltzt\n] j[l¢ ePsf]
b]lvG5 .
g]kfn /fi6« a}+saf6 Ohfht k|fKt a}+s tyf ljQLo
;+:yfx?dWo] jfl0fHo a}+s, ljsf; a}+s / ljQ sDkgLx? u/L
^)=( k|ltzt g]kfnL gful/ssf] slDtdf Ps lgIf]k vftf
/x]sf] 5 . ;fy}, sl/a @@ k|ltzt hg;ª\Vofsf] ;xsf/L
;+:yfdf, !$ k|ltztsf] n3'ljQ ljQLo ;+:yfdf / !(
k|ltztsf] aLdfdf cfj4tf b]lvPsf] 5 . To;}u/L, lwtf]kq
ahf/ cGtu{t lxtu|fxL vftf ;ª\Vof / s'n hg;ª\Vofsf]
cg'kft %=# k|ltzt /x]sf] 5 .
-v_ ljQLo kx'Fr lj:tf/df n3'ljQ If]q cu|0fL M
d'n'sn] cjnDag u/]sf] bL3{sfnLg ljsf;sf nIox?;Fu
;fd~h:otf sfod ug]{ u/L ljQLo If]q ljsf; /0fgLlt
tyf g]kfn /fi6« a}+ssf] /0fgLlts of]hgf;Fu tfbfTDotf
15
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
/xg] u/L sfo{qmd ;~rfng ul/g]5 . ljQLo ;'zf;g /
;Dj4{g (Financial Governance and Consolidation) nfO{
hf]8 lbFb} e'QmfgL k|0ffnLsf] cfw'lgsLs/0f dfkm{t ljQLo
kxF'r clej[l4 ug]{ ljQLo If]q sfo{qmdsf] p2]Zo x'g]5 .
g]kfn ;/sf/ / /fi6« a}+ssf] aLpk'FhL nufgLdf :yfkgf eO{
g]kfn /fi6« a}+sdfk{mt ;~rfng x'Fb} cfPsf] u|fdL0f :jfjnDag
sf]if sfo{qmdsf] ;~rfng o; ljQLo ;+:yfdfk{mt x'g] u/L
x:tfGt/0f ul/Psf] 5 .
@)&& j}zfv d;fGt;Dddf a}+s tyf ljQLo ;+:yfsf]
;ª\Vof !^# /x]sf] 5, h; dWo] @& jfl0fHo a}+s, @# ljsf;
a}+s, @@ ljQ sDkgL, () n3'ljQ ljQLo ;+:yf / ! k"jf{wf/
ljsf; a}+s /x]sf 5g\ . To;}u/L a}+s tyf ljQLo ;+:yfsf]
zfvf ;ª\Vof (,^(% k'u]sf] 5 .
@)&& c;f/ d;fGt;Dddf …3Ú ju{sf n3'ljQ ljQLo
;+:yfx?sf] ;ª\Vof *$ k'u]sf] 5 . *$ n3'ljQ ljQLo
;+:yfx? dWo] cf/Pdl8;L n3'ljQ, ;fgf ls;fg ljsf;
n3'ljQ, km:6{ dfOqmf]kmfOgfG; n3'ljQ / cf/P;l8;L
n3'ljQ ljQLo ;+:yf u/L $ j6f yf]sshf{ k|bfos n3'ljQ
ljQLo ;+:yf /x]sf 5g\ eg] afFsL *) j6f v'b|f shf{ k|jfx
ug]{ n3'ljQ ljQLo ;+:yfx? /x]sf 5g\ . cl3Nnf] cfly{s
jif{ @)&%÷&^ df n3'ljQ ljQLo ;+:yfx?sf] ;ª\Vof ()
/x]sf] lyof] .
@)&& c;f/ d;fGtdf *) j6f v'b|f shf{ nufgL ug]{
n3'ljQ ;+:yfx?sf] shf{ nufgL ?= @ va{ @$ ca{ /x]sf]
5 . yf]s shf{ nufgL ug]{ $ j6f n3'ljQ ;+:yfx?sf]
n// o; cjlwdf ?= #& ca{ (# s/f]8 k'u]sf]df ;fgf
ls;fg ljsf; n3'ljQ ljQLo ;+:yfsf] ?= @! ca{ #& s/f]8
-%^=$@Ü_, cf/=Pd=8L=;L=sf] ?= * ca{ ^ s/f]8 -@!=@$Ü_,
kmi6{ dfO{qmf] kmfO{gfG;sf] ?= % ca{ %(s/f]8 -!$=&#Ü_
/ cf/P;8L;Lsf] ?= @ ca{ *( s/f]8 -&=^!Ü_ /x]sf] 5 .
o; k|sf/sf yf]s shf{ k|bfos ;+:yfx? dWo] ;fgf ls;fg
ljsf; n3'ljQ ljQLo ;+:yf ln= n3'ljQ shf{ k|bfosx?sf]
k|d'v ;+:yf aGg k'u]sf]5 .
-3_ df}lb|s gLlt / n3'ljQM
g]kfn /fi6« a}+sn] df}lb|s gLlt @)&^÷&& dfkm{t n3'ljQ;Fu
;DalGwt u/]sf Joj:yfx?n] n3'ljQ If]qdf ldl>t k|efj
kfg{ ;Sg] b]lvPsf] 5 .
c_ n3'ljQ ljQLo ;+:yfx?sf] O{hfht lbg] sfo{ :yug
ul/Psf] 5 . ;fy}, Ohfhtsf] k|lqmofdf /x]sf n3'ljQ
ljQLo ;+:yfx?sf] Ohfht k|lqmof ;d]t /2 ul/Psf]
5.
cf_ k|b]z:t/df sf/f]af/ ug]{ n3'ljQ ljQLo ;+:yfx?n]
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
tf]lsPsf] k|b]z afx]ssf If]qdf ;~rfngdf /x]sf
zfvf sfof{no laqmL, aGb jf :yfgfGt/0f u/L cfˆgf]
;Dk"0f{ sf/f]af/ Pp6} k|b]zdf ;Lldt ug'{kg]{ ;do
;Ldf @)&& c;f/ d;fGtaf6 a9fO{ @)&* c;f/
d;fGt sfod ul/Psf] 5 .
O_ Jofj;flos kl/of]hgfsf] nflu :jLsf/of]Uo lwtf] lnO{
tf]lsPsf s[lif, n3' pBd tyf Joj;fo ug]{ ljkGg
tyf Go"g cfo ePsf JolQm, kmd{ jf ;d"xnfO{ k|bfg
ul/g] shf{ ;Ldf ?= & nfvaf6 a9fO{ ?= !% nfv
sfod ul/g]5 .
O{_ n3' ljQ ljQLo ;+:yfx?n] cfˆgf u|fxs;Fu lng]
Aofhb/ clwstd !% k|ltzt sfod ul/g]5 . n3'ljQ
ljQLo ;+:yfdf cfwf/ b/ -Base Rate_ u0fgf ljlw to
u/L Aofhb/ lgwf{/0fnfO{ yk Jojl:yt agfOg] 5 .
p_ Ohfht k|fKt …sÚ, …vÚ, …uÚ / yf]s shf{ k|jfx ug]{ …3Ú
ju{sf a}+s tyf ljQLo ;+:yfx?n] ljkGg ju{ shf{sf]
¿kdf n3'ljQLo ;+:yfx?nfO{ k|jfx ug]{ shf{df )=%
k|ltzt eGbf a9L ;]jf z'Ns lng gkfOg] Joj:yf
ul/g]5 .
pm_ n3'ljQ ljQLo ;+:yfn] lglZrt k|of]hgsf nflu :yflkt
bL3{sfnLg sf]ifx? Affx]ssf /sd a}+s tyf ljQLo
;+:yfdf # dlxgf eGbf a9L cjlwsf] d'2tL lgIf]kdf
/fVg / gjLs/0f ug{ gkfpg] Joj:yf ul/g]5 .
P_ :yfgLo txsf ;a} j8fx?df ljQLo kx'Fr k'¥ofpg]
p2]Zon] n3'ljQ ljQLo ;+:yfx?sf] zfvf gePsf
j8fx?df dfq zfvf vf]Ng kfpg] Joj:yf ldnfOg] 5 .
P]_ n3'ljQ ljQLo ;+:yfx?dWo] yf]s shf{ k|jfx ug]{
tyf ;j{;fwf/0faf6 lgIf]k ;+sng ug{ :jLs[t k|fKt
;+:yfx?n] cfly{s jif{ @)&&÷&* sf] ljQLo ljj/0f
g]kfn ljQLo k|ltj]bg dfg (NFRS) cg';f/ ;d]t
k|sfzg ug'{kg]{ Joj:yf ul/g]5 .
%= ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yfsf]
rfn' jif{sf] pknAwL / efjL of]hgf
%=! shf{ ;]jfx¿
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yfn] ljleGg k|sf/sf
shf{x¿ pknAw u/fpFb} cfPsf] 5 h;sf b]xfo adf]lhdsf
ljz]iftfx¿ 5g\ M
-s_ n3'shf{ M u|fdL0f ;d'bfosf dlxnf, blnt, ljkGg
ju{nfO{ n3'ljQ ;]jfsf] lj:tf/ ug{ cfjZos kg]{
k'FhLnfO{ n3' shf{sf] ¿kdf ljQLo ;+:yfn] ;fgf ls;fg
s[lif ;xsf/L ;+:yf ln=x¿ tyf ;dfg k|s[ltsf cGo
16
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
;xsf/L ;+:yfx¿nfO{ yf]s shf{sf] ¿kdf pknAw
u/fpFb5 . cfˆgf] k'FhL ckof{Kt eO{ C0f nufgLdf
;d:of ePdf ;+:yfx¿n] cfjZostf cg';f/ of] shf{
dfu ug{ ;Sb5g\ .
-v_ df;'hGo÷b'UwhGo -kz'kfng_ shf{ M g]kfn ;/sf/sf]
;xof]udf ljQLo ;+:yfn] cf=j= @)^&÷^* b]lv
xfn;Dd lg/Gt/ ¿kdf kz'kfng shf{ sfo{qmd
sfof{Gjog u/]sf] 5 . df;' tyf b'Uw hGo kbfy{sf]
pTkfbg a9fO{ df;' tyf b"whGo kbfy{sf] cfoft
k|lt:yfkgdf ;3fpm k'¥ofpg ljQLo ;+:yfn] of] shf{
sfof{Gjogdf NofPsf] xf] . ljQLo ;+:yfsf] sf/f]af/df
cfj4 ;xsf/L ;+:yfx? dfkm{t jflif{s ( k|ltzt
Aofhb/df kz'kfns ls;fgx?nfO{ of] shf{ pknAw
u/fpFb} cfPsf] 5 .
-u_ gljs/0fLo phf{ shf{ M o'Pgl;l8Pkmsf] k|fljlws
;xof]udf n3' ljQ ljQLo ;+:yfn] @)&! ;fndf
cf/De u/]sf] gjLs/0fLo pmhf{ ljsf; sfo{qmdnfO{
o; ljQLo ;+:yfn] xfn cfˆg} ;|f]tdf lg/Gt/tf lbFb}
æ;fgf ls;fgsf] 3/, pHofnf] / w'jfFd'Qm 3/Æ eGg]
gf/fsf;fy gljs/0fLo shf{ pknAw u/fpFb} cfPsf]
5 . of] shf{ afof] UofF;, ;'wfl/Psf] r'Nxf] / ;f]nf/
kfj/ :yfkgfsf nflu pknAw u/fO{G5 .
-3_ e'sDk k|efljt If]qsf nflu ljz]if shf{ M lj=;+=
@)&@ sf] k|nosf/L e'sDkaf6 k|efljt If]qsf ;fgf
ls;fgx?sf] cfocfh{g Ifdtfdf k/]sf] k|lts'n kl/
l:yltdf 6]jf k'¥ofpg] p2]Zon] tLg lhNnfnfO{ nlIft
u/L g]kfn ;/sf/ Pjd\ Pl;ofnL ljsf; a}+ssf]
;xof]udf @)&# ;fnb]lv ;fgf ls;fg ;xsf/L
;+:yfx? dfkm{t hLljsf]kfh{g k'g/:ykgf shf{ k|bfg
ub{} cfPsf] 5 .
-ª_ t/sf/L v]tL shf{ M ;fgf ls;fgnfO{ t/sf/L v]tLdf
Jofj;flos ¿kdf nfUg clek|]l/t ;xof]u k'¥ofpg]
p2]Zon] kxf8df sDtLdf Ps /f]kgL / t/fOdf !=%
sÝf eGbf a9L If]qkmndf t/sf/L v]tL ug]{ ;fgf
ls;fgnfO{ nlIft u/L rfn' cf=j= @)&^÷&& b]lv
Jofj;flos t/sf/L v]tL shf{ sfo{qmd sfof{Gjogdf
NofOPsf] 5 .
-r_ ;xsf/L lrof pBf]usf nflu sfo{zLn k'FhL shf{ M
d"Noz[ªvnfdf ;fgf ls;fgsf] kx'Fr clej[l4
ug]{ p2]Zon] g]kfn ;/sf/, cy{ dGqfnosf] ;xof]u
/ g]kfn /fi6« a}+ssf] :jLs[ltdf ;fgf ls;fg ;xsf/L
lrof pBf]unfO{ sfo{zLn k'FhL k|bfg ul/Fb} cfPsf] 5 .
-5_ s[lif shf{ M ls;fgsf nflu pGgt ljpljhg sfo{qmd
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

nfu' ePsf dWo klZrd / klZrdf~rn If]q cGtu{tsf
?s'd k"j{, ?s'd klZrd, u'NdL, c3f{vfFrL, ;Nofg,
Ko'7fg / /f]Nkf lhNnfsf *# ;xsf/L dfkm{t of] shf{
sfo{qmd kl/rfng x'Fb} cfPsf]] 5 . tL ;+:yfx?af6
ls;fgnfO{ jflif{s ( k|ltzt Aofhb/df shf{ pknAw
x'Fb} cfPsf] 5 .
-h_ u|fld0f pBd shf{ M ;fgf ls;fg ljsf; n3'ljQ
ljQLo ;+:yf ln= dfkm{t sfo{qmd sfo{fGjog ug{] u/L
g]kfn ;/sf/ / PlzofnL ljsf; a}+slar l8;]Da/
!), @)!( df u|fdL0f pBd nufgL kl/of]hgf (Rural
Enterprise Financing Project) ;Demf}tf eP adf]lhd
;fgf tyf demf}nf ls;fg pBdLsf] shf{df ;xh
kx'Fr ;'lglZrt u/L u|fld0f s[lif pBdsf] k|jw{g
ug{] d'Vo p2]Zon] of] shf{ sfo{qmd nfu' ePsf] 5 .
n3'ljQsf] ;Ldf eGbf a9Lsf] Joj;fo ug{ ;Ifd s[lif
pBdLx?nfO{ nlIft u/L of] shf{ sfo{qmd ;~rfng
ePsf] 5 .
-em_ u|fdL0f :jfjnDag shf{ M g]kfn ;/sf/ dlGqkl/ifbsf]
ldlt @)&% dª\l;/ @$ sf] lg0f{o adf]lhd tof/ eO{
g]kfn ;/sf/ -dfggLo dGqL:t/_ sf] ldlt @)&%
kmfu'g @& sf] lg0f{on] :jLs[t æu|fdL0f :jfjnDag
shf{ sfo{k4lt, @)&%Æ adf]lhd g]kfn /fi6« a}+s
dfkm{t ;~rfng x'Fb} cfPsf] u|fdL0f :jfjnDjg
sf]ifnfO{ @)&^ ;fpg ! ut]b]lv o; ljQLo ;+:yf
dfkm{t u|fdL0f :jfjnDag shf{sf] ¿kdf sfo{fGjog
ul/Psf] 5 .
-~f_ k'g?Tyfg shf{ M ljkb tyf dxfdf/Lsf] k|efjaf6
;fgf ls;fgx?nfO{ k'g?Tyfgdf ;xof]u k'¥ofpg]
Wo]on] oxL @)&& dª\l;/af6 k'g?Tyfg\ shf{ sfo{qmd
th'{df u/L sfof{Gjogdf NofOPsf] 5 .
-6_ ;x'lnotk"0f{ shf{ M afudtL k|b]z ;/sf/;Fusf]
;xsfo{ / C0f ;xof]udf afudtL k|b]z leqsf
;fe]mbf/ ;xsf/L ;+:yfx? dfkm{t ;~rfng x'g] u/L
oxL @)&& dª\l;/af6 pTkbfg tyf /f]huf/L ;[hgfsf
nflu ;x'lnotk"0f{ C0f sfo{qmd sfof{Gjogdf NofPsf]
5.

tflnsf g+= ^ shf{sf k|sf/, Aofhb/ / cjlw

5'6 kl5sf] u|]; ;fFjf Jofh clwstd Aofhb/ nfu'
qm=;+= k|sf/ Jofhb/ 5'6
Aofhb/ cjlw e'QmfgL e'QmfgL cjlw x'g]÷ePsf] ldlt
! n3'shf{ (=&%Ü – (=&%Ü – q}dfl;s dfl;s ## dlxgf @)&&÷)^÷)!
@ kz'kfng shf{ -g]kfn (Ü $Ü %Ü ^ q}dfl;s dfl;s # jif{ @)^&÷!)÷@*
;/sf/ ;|f]t_ dlxgf
# gljs/0fLo phf{ shf{ *=&%Ü – *=&%Ü ^ q}dfl;s dfl;s # jif{ @)&&÷)^÷)!
dlxgf
$ lhjLsf]kfh{g shf{ @Ü – @Ü ^ q}dfl;s dfl;s # jif{ @)&#÷)#÷!%
-P=8L=aL= ;|f]t_ dlxgf
% ;xsf/L lrof (Ü $Ü %Ü ! jif{ cw{jflif{s dfl;s ^ jif{ @)&!÷)#÷@!
pBf]usf nflu
sfo{zLn k'FhL shf{
-g]kfn ;/sf/ ;|f]t_
^ s[lif shf{ %Ü – %Ü – q}dfl;s dfl;s # jif{ @)&%÷)!÷!^
& t/sfl/ v]lt shf{ (Ü $Ü %Ü – q}dfl;s dfl;s # jif{ @)&^÷)$÷!(
* u|fdL0f :jfjnDag ^Ü !=@Ü $=*Ü – q}dfl;s dfl;s @)&^÷)%÷)*
shf{
( u|fdL0f pBd shf{ ^=%Ü – ^=%Ü ! jif{ q}dfl;s dfl;s % jif{ @)&&÷)^÷)!
!) k'g?Tyfg shf{ &=@%Ü – &=@%Ü – cw{jflif{s dfl;s ! jif{ @)&&÷*÷!@
!! ;x'lnot k"0f{ shf{ !=%Ü – !=%Ü – q}dfl;s dfl;s ## dlxgf @)&&÷*÷@(

17
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
%=@ g]kfn ;/sf/sf] ;xof]udf ljQLo ;+:yfaf6 ;~rflnt
sfo{qmdx¿ M
-s_ ;fgf ls;fg ;xsf/L cg';/0f sfo{qmd M
n3'ljQ ljQLo ;+:yfn] u|fdL0f If]qdf k|efjsf/L bLuf]
n3'ljQ ;]jf k|jfxsf nflu :yfgLo k|0ffnL ljsf; ug{
gjk|jt{gLo cEof;sf ¿kdf ;fgf ls;fg ;xsf/L cg';/0f
sfo{qmd ;~rfng ub}{ cfPsf] 5 . ;fgf ls;fg ;xsf/L
cg';/0f sfo{qmdcGtu{t ;fgf ls;fg ;xsf/Lsf] n3'ljQ
;]jf gk'u]sf If]qsf ljkGg tyf ;fgf ls;fgx¿nfO{ ;Ël7t
u/L cfjZos n3'ljQ ;]jf lbg ;Ifd ;fgf ls;fg ;xsf/L
;+:yfsf] u7g u/L lbuf] / lg/Gt/ ;]jf pknAw x'g] Joj:yf
ldnfOG5 . cg';/0faf6 lgld{t ;fgf ls;fg ;xsf/L ;+:yfn]
cfˆgf ;b:osf] cfly{s÷;fdflhs ljsf;sf nflu of]hgf
th'{df tyf n3'ljQ ;]jfsf] sfof{Gjog ug]{ ;fdYo{;lxtsf]
;+:yfut ljsf;sf] of] kl/sNkgf g]kfnsf] dfq geP/ cGo
d'n'snfO{ ;d]t cg';/0f of]Uo x'g] 7flgPsf] 5 . o;af6
u|fdL0f If]qdf n3'ljQ ;]jf k|bfg ug{df 7"nf] ;xof]u
k'u]sf]] 5 . cg';/0f sfo{qmddf g]kfn ;/sf/sf] dxTjk"0f{
;xof]u /xFb} cfPsf] 5 . ljQLo ;+:yfn] ljZj a}+s cGtu{t
;LhLPkLaf6 k|fKt k'/:sf/ /fzLnfO{ cg';/0f sf]ifsf ¿kdf
:yfkgf u/L ;f] ;d]t o; sfo{qmddf k|of]u ub}{ cfPsf]
5 . To:t} ljutdf cg';/0f sfo{df hL= cfO{= h]8= / s[lif
ljsf; a}+ssf] ;d]t ;xof]u /x]sf] 5 . o; sfo{qmd cGtu{t
cf=j @)&^÷&& df yk @^ j6f ;fgf ls;fg s[lif ;xsf/L
;+:yfx? lgdf{0f ePsf 5g\ . g]kfn ;/sf/af6 k|fKTf cg'bfg
/sd ?= #,)),#(,)))÷– dWo] ?= @,$*,$*,^$*÷– vr{
ePsf] 5 eg] o; zLif{sdf k|fKt /sd dWo] vr{ x'g afFsL
/sd ?=%!,(),#%@÷— dfq lkmtf{ ul/Psf] 5 .
-v_ tflnd÷uf]i7L÷cjnf]sg -Ifdtf ljsf;_ sfo{qmd
ljQLo ;+:yfn] ;fgf ls;fgx¿sf] Ifdtf clej[l4sf nflu
ljleGg lsl;dsf Jofj;flos s[lif, ;+:yfut z';f;g,
;+:yf ;~rfng / n]vf ;DaGwL tflnd, sfo{qmdsf]
;dLIff, /0fgLlt th'{df uf]i7L cflb h:tf Ifdtf ljsf;sf
sfo{qmdx? ;~rfng ub}{ cfPsf] 5 . o; cGtu{t cfly{s
jif{ @)&^÷&& df !)) j6f sfo{qmd ;~rfng ug]{ u/L
g]kfn ;/sf/af6 cg'bfg ah]6 ?= @ s/f]8 k|fKTf ePsf]df
ljZjJofkL sf]le8 !( sf sf/0f :yfgLo :t/df sfo{qmd
x'g] d'Vo ;dodf ns8fpg, ;68fpg, lgif]wf1f cflb hf/L
eO{ sfo{qmd k|efljt x'g uO{ hDdf ^) j6f dfq sfo{qmd
;DkGg ePsf] 5 . o;df ?= ! s/f]8 @% nfv !@ xhf/
!$$ ?k}of %) k};f g]kfn ;/sf/af6 k|fKTf cg'bfgaf6
vr{ ePsf] 5 eg] ;fgf ls;fg ;xsf/L ;+:yfx?sf] ?=
&^ xhf/ ^&@ a/fa/sf] ;xeflutfdf eO{ hDdf vr{ ?=
18
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
!,@%,**,*!^÷%) ePsf] 5 . ;fy} o; sfo{qmdaf6 #
xhf/ #@% hgf ;fgf ls;fgx? nfeflGjt ePsf 5g\ .
g]kfn ;/sf/af6 k|fKTf cg'bfg /sd ?=@,)),)),)))÷–
dWo] ?=!,@%,!@,144/50 vr{ ePsf] 5 eg] o; zLif{sdf
k|fKt /sd dWo] vr{ x'g afFsL /sd ?=&$,*&,*%%÷%)
dfq lkmtf{ ul/Psf] 5 .
-u_ ;fdflhs÷;fd'bflos Pjd\ k"jf{wf/ ljsf; sfo{qmd M
ljQLo ;+:yfn] ;fdflhs÷;fd'bflos ljsf; sfo{qmd
cGt/ut :yfgLo:t/df cfjZos ;fd'bflos ejg lgdf{0f
tyf cGo ef}lts k"jf{wf/sf] ljsf;sf sfo{x? ;~rfng
ub}{ cfPsf] 5 . o; cGt/ut u|fdL0f If]qdf ;'ne
zf}rfno, ljBfno dd{t, k'nk'n];f], s'nf]dd{t, s[lif;8s
:ofxf/–;Def/, j[Iff/f]k0f, ;fd'bflos ejg, tflnd ejg,
afnljsf;, s[lif cf}hf/, :6«]r/ Joj:yf, ;"rgf k|ljlw
x:tfGt/0f cflb ;fdflhs÷;fd'bflos ljsf;sf sfo{qmd
;~rfng ug{ ;+:yfx¿nfO{ ;–;fgf] ;xof]u pknAw
u/fOG5 . cf=j= @)&^÷&& df g]kfn ;/sf/af6 !)) j6f
;fdflhs÷;fd'bflos sfo{qmd ;~rfng ug{ ?=! s/f]8 %)
nfv cg'bfg ah]6 k|fKt ePsf]df g]kfn ;/sf/af6 k|fKt
cg'bfg ah]6af6 ?= ! s/f]8 %) nfv / ;fgf ls;fg
s[lif ;xsf/L ;+:yfx?, :yfgLo lgsfo, / hg;xeflutf
;d]taf6 Joxf]/]sf] ?= % s/f]8 %( nfv ^# xhf/ ;d]t u/L
hDdf ?= & s/f]8 ( nfv ^# xhf/ a/fa/sf]] nfutdf !$$
j6f ;fdflhs÷;fd'bflos ljsf;sf sfo{qmdx? ;~rfng
ePsf] 5 . o; sfo{qmdaf6 # nfv !! xhf/ ( ;o ;fgf
ls;fg kl/jf/x? nfeflGjt ePsf 5g\ .
-3_ s[lif tyf kz'kfng k|j4{g sfo{qmd M
ljQLo ;+:yfn] s[lif tyf kz'kfng ug]{ ;fgf ls;fgx¿sf]
s[lif tyf kz'kfng Joj;fosf] Joj;foLs/0fsf nflu s[lif
tyf kz'kfng k|j4{g sfo{qmd ;~rfng ub}{ cfPsf] 5 .
cf=j= @)&^÷&& df g]kfn ;/sf/af6 !!% j6f sfo{qmd
;~rfng ug]{ u/L ?= @ s/f]8 !@ nfv &% xhf/ cg'bfg
k|fKt ePsf]df g]kfn ;/sf/ cg'bfgaf6 ?= 1,65,89,314/-
/ ;fgf ls;fg ;xsf/L ;+:yf tyf ;b:o :jnufgLaf6 ?=#
s/f]8 @@ nfv %) xhf/ u/L hDdf $ s/f]8 ** nfv #(
xhf/ nfutdf #)) j6f sfo{qmd ;~rfng eO{ ^) xhf/
#@ hgf ;fgf ls;fg kl/jf/x? nfeflGjt ePsf 5g\ .
o; cGt/ut kz'kfng Joj:yfkg tyf pkrf/ tflnd,
sfo{qmdsf] ;ldIff tyf /0fgLlt th'{df, kz' pkrf/ lzlj/,
pGgt gZnsf Aof8sf] af]sf÷/fuf÷efn]sf] Joj:yf, kz'
EoflS;g, vf]/, uf]7 ;'wf/, k|fljlws ;]jf tyf k|rf/ k|;f/
Pad\ cWoog cg';Gwfg ;DalGw ;xof]u pknAw u/fpg]
ul/Psf] 5 . o; zLif{sdf k|fKt /sd ?= @,!@,&%,)))÷–
dWo] vr{ x'g afFsL /sd ?=46,85,686/ -dfq lkmtf{
ul/Psf] 5 .
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
-ª_ kz'wg ;'/If0f sfo{qmd
ljQLo ;+:yfn] kz'kfns ;fgf ls;fgx¿sf] kz'wg Iflt
Go"gLs/0fsf nflu kz'wg ;'/If0f sfo{qmdx¿ ;~rfng
ub}{ cfPsf] 5 . kz'wg ;'/If0f sfo{qmd cGtu{t cf=j=
@)&^÷&& df ljQLo ;+:yfsf] ;dGjodf ;fgf ls;fg
;xsf/L ;+:yfx¿n] @% xhf/ $ ;o ^* ls;fg kl/jf/sf
?=@ cj{ #) s/f]8 # nfv *^ xhf/ d"Nosf ^& xhf/ %@@
kz'j:t'sf] ;'/If0f u/]sf 5g\ . kz'wg ;'/If0f -kz'ladf_
lk|ldod cg'bfg tkm{ cf=j= @)&^÷&& df ?= * s/f]8 &%
nfv ^) xhf/ / kz'wg ;'/If0f k|j4{g tkm{ @% sfo{qmd
;~rfng ug]{ u/L ?= &$ nfv $) xhf/ ;d]t u/L hDdf
/sd ( s/f]8 %) nfv cg'bfg ah]6 k|fKt ePsf]df &%Ü
lk|ldod cg'bfg tkm{ ?=* s/f]8 &% nfv ^) xhf/ e'QmfgL
ePsf] 5 . kz'kfns ls;fgsf] of]ubfg ?= # s/f]8 ^
nfv %$ xhf/ /x]sf]5 . kz'wg ;'/If0f k|a4{gtkm{ (@ j6f
k|jå{g sfo{qmd ;DkGg eO{ $! xhf/ !*$ hgf ls;fg
nfeflGjt ePsf 5g\ . o;df &$ nfv $) xhf/ g]kfn
;/sf/sf] cg'bfgaf6 / ;xsf/L÷ls;fgsf] of]ubfgaf6 ?=
$ nfv (# xhf/ vr{ eO{ s'n k|fKt ah]6 ?=( s/f]8 %)
nfv dWo] ?=( s/f]8 %) nfv g} vr{ ePsf] 5 . :yfgLo
:t/sf] ;fd'bflos kz'wg ;'/If0f ;ldltn] g]kfn ;/sf/af6
k|fKt lk|ldod cg'bfg / kz'kfnssf] of]ubfg ;lxtsf]
lk|ldod /sd kl/rfng u/L pQm /sdaf6 Ifltk"lt{ /
k|fljlws ;xof]usf] vr{ u/L ar]sf] /sdnfO{ sf]ifsf] ¿kdf
kl/rfng ug]{ Joj:yf 5 .
-r_ ;+:yfut ;'b[9Ls/0f sfo{qmd M
cf=j= @)&^÷&& df t'ngfTds ¿kdf sdhf]/ ;fgf ls;fg
;xsf/L ;+:yfx¿sf] ;'b[9Ls/0f u/L ljkGg tyf ;fgf
ls;fgx¿df Jofks¿kn] ;]jf k|jfx ug{ ;fdYo{ agfpg
sDtLdf klg %) ;fgf ls;fg s[lif ;xsf/L ;+:yf klxrfg
u/L ljz]if ;'b[9Ls/0f sfo{qmd ;~rfng ul/Psf] 5 . o;sf
nflu 5f]6f] cjlwsf hgzlQmsf] Joj:yf u/L :ynut
tflnsf g+= & ;+:yfut ;fdflhs pQ/bfloTj sf]ifsf] ljj/0f
lzif{s
ut cf=j= ;Dddf ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf hDDff ul/Psf] s'n /sd
vr{sf] ljj/0f
;fdflhs kl/of]hgfdf x'g] vr{
cgfyfno, afndlGb/ / j[2f>dnfO{ lbOPsf] cg'bfg tyf ul/Psf] vr{
cGo vr{ -g]kfn ;/sf/sf] sf]le8 sf]ifdf hDdf ul/Psf] /sd_
s'n vr{
;+:yfut ;fdflhs pQ/bfloTj sf]ifdf afFls /sd*
* c;f/ d;fGtdf o; sf]ifdf afFsL /sd ?= (^,&#,#(!÷@# ldlt @)&&÷)$÷#) ut] /fli6«o jfl0fHo a}+s ln=, yfkfylnsf] r]s g+=
))%$@%)%*( af6 g]kfn ;/sf/åf/f ;~rflnt sf]/f]gf ;+s|d0f /f]syfd lgoGq0f / pkrf/ sf]ifdf hDdf ul/;lsPsf] 5 .
19
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
¿kdf g} k|fljlws ;xof]usf] Joj:yf ldnfOPsf] lyof] .
h; cGt/ut !@ hgf lkmN8 k|lzIfs lgo'lQm lbO{ !)$
j6f sdhf]/ ;+:yf k'g/;+/rgf / ;'b[l9s/0fsf sfo{ ePsf]
5 . t/ ;d'bfo:t/df x'g] o:tf] sfo{df sf]/f]gf dxfdf/Lsf
sf/0f ck]lIft pknAwL xfl;n ug{df r'gf}tL ylkPsfn]
cf=j= @)&^÷&& df o; sfo{qmddf k|fKt ePsf] cg'bfg
/sd ?= @ s/f]8 $@ nfv *^ xhf/ dWo] 1,80,14,858/29
dfq vr{ eO{ %& xhf/ &%! kl/jf/ nfeflGjt ePsf 5g\ .
o; zLif{sdf k|fKt /sd dWo] vr{ x'g afFsL /sd ?=
62,71,141/71 dfq lkmtf{ ul/Psf] 5 .
o; ljQLo ;+:yfn] ljleGg s[ofsnfksf nflu cfly{s
jif{ @)&^÷&& df k|fKt ?=!! s/f]8 ^ nfv dWo] dfly
pNn]lvt sfo{qmdx?sf nflu cg'bfg ;xof]u tkm{af6
?=*,^(,^$,(^$.&( vr{ eO{ ?=@,#^,#%,)#%.@! g]kfn
;/sf/sf] /fhZj vftfdf lkmtf{ ul/Psf]] 5 . ljQLo ;+:yf,
;xsf/L ;+:yf, :yfgLo lgsfo, tyf ;fgf ls;fg ;d]tsf]
of]ubfgaf6 hDdf ?= !&,%@,%^,)))÷— a/fa/ ^#$
sfo{qmdx? ;DkGg ePsf 5g\ h;af6 $ nfv $* xhf/ *
hgf ;fgf ls;fg kl/jf/ nfeflGjt ePsf 5g\ .
-5_ ;+:yfut ;fdflhs pQ/bfloTj sf]if M
g]kfn /fi6« a}+ssf] …3Ú ju{sf n3'ljQ ljQLo ;+:yfx?nfO{
hf/L ul/Psf] lgb]{zg @)&^ sf] a'Fbf ^=!$ sf] Joj:yf
cg';f/ ljQLo ;+:yfsf] v'b gfkmfsf] ! k|ltzt /sd ?=
55,62,178/55 dfq gfkmf gf]S;fg afF8kmfF8 lx;fadf vr{
n]lv ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf hDdf ul/Psf]
5 . ut cfly{s jif{sf] cGTodf o; sf]ifsf] df}Hbft /sd
?= 1,17,33,391/23 /x]sf] 5 . o; sf]ifsf] /sd g]kfn
/fi6« a}+ssf] pk/f]Qm kl/kqdf ePsf] Joj:yf cg';f/ vr{
ul/g]5 . pQm sf]ifaf6 cf=j= @)&^÷&& df tkl;n cg';f/
?= 20,60,000÷– dfq vr{ ul/Psf]5 . o; sf]ifdf ePsf]
kl/jt{g OSjL6Ldf ePsf] kl/jt{g ;DaGwL ljj/0fdf cGo
hu]8f tyf sf]ifdf b]vfOPsf] 5 .
/sd
1,17,33,391/23
2,10,000/-
1,50,000/-
17,00,000/-
20,60,000/-
96,73,391/23
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
tflnsf g+= * cGo vr{ -g]kfn ;/sf/sf] sf]le8 sf]ifdf hDdf ul/Psf] /sd_ cGtu{t b]xfosf vr{x? ePsf 5g\M
ljj/0f
Corona Virus Control and Treatment
afUdlt k|b]z sf]/f]gf ;+s|d0f /f]syfd lgoGq0f sf]if
sf]/f]gf efO/; lgoGq0f tyf pkrf/ sf]if
sf]/f]gf efO/; (Covid -19) lgoGq0f tyf pkrf/ sf]if
cfGtl/s dfldnf tyf sfg'g dGqfno ljkt Joj:yfkg sf]if, ;'v]{t
sf]/f]gf pkrf/ tyf lgoGq0f sf]if, ;'b'/ klZrd k|b]z
sf]/f]gf efO/; lgoGq0f tyf pkrf/ sf]if
k|b]z g+= ! sf]/f]gf hg;'/Iff sf]if
hDdf
o; tYon] o; sfo{qmdsf] k|efjsfl/tf cfjZostfnfO{ cem a9L prfO{df k'¥ofPsf] 5 .
%=# ;/sf/ tyf cGo ;xof]uL lgsfo ;d]tsf] ;xof]udf
;~rflnt cGo sfo{qmdx?
-s_ ls;fgsf nflu pGgt laplahg sfo{qmd
g]kfn ;/sf/, s[lif ljsf; dGqfno / cGt/f{li6«o s[lif ljsf;
sf]if (International Fund for Agricultural Development-
IFAD) sf] ;xof]udf ;~rflnt æls;fgsf nflu pGgt
laplahg sfo{qmdÆ df ;xsfo{ ug{ o; ljQLo ;+:yf /
s[lif ljsf; dGqfnolar ;g\ @)!@ l8;]Da/ @ df ;Demf}tf
eO{ ?s'd, /f]Nkf, ;Nofg, Ko'7fg, u'NdL / c3f{vfFrL u/L
^ lhNnfsf tTsfnLg #) uflj;df ;fgf ls;fg ;xsf/L
;+:yf :yfkgf eO{ ljQLo ;+:yfdf cfj4 eO{ ;kmntfk"j{s
;~rfngdf /x]sf 5g\ . of] sfo{qmd @)!( l8;]Da/ #! df
;DkGg eO{ ;s]sf] 5 .
-v_ ;fgf ls;fg s[lif k|lzIffyL{ sfo{qmd M
s[lif ;DaGwL 1fg, ;Lk / cEof; k|bfg u/L o'jfx?df
Jofj;flos s[lif Ifdtf a9fpg g]kfnsf nflu Oh/fonL
/fhb'tfjf;sf] ;xsfo{df æ;fgf ls;fg s[lif k|lzIffyL{
sfo{qmdÆ ;~rfng ul/Psf] 5 . o; sfo{qmd cGt/ut ;fgf
ls;fg kl/jf/sf ljBfyL{x?nfO{ pGgt s[lif k|0ffnL ;DaGwL
tflnd k|bfg ug{ Oh/fonsf ljleGg sn]h tyf s[lif tflnd
s]Gb|df cWoogsf nflu ;xefuL u/fO{G5 . Oh/fonsf
ljleGg % tflnd s]Gb|÷sn]hx?df !)–!! dlxgf cjlw;Dd
;~rfng x'g] pQm tflnddf ;ftfsf] ! lbg ;}4flGts sIff
/ % lbg cg';Gwfgd'vL k|of]ufTds sfo{ ;~rfng x'g] 5 .
k|of]ufTds sfo{sf nflu tflndsf ;xefuLx?n] Oh/fonL
lgod / dfkb08 cg';f/sf] kfl/>lds k|fKt ug]{5g\ .
tflndsf] cGTodf ;xefuLx?n] l;s]sf s'/fx?sf] k|:t'tL
;lxt ;f] tflnd s]Gb|df cg';Gwfg k|ltj]bg a'emfpg'kg]{
20
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
k|b]z /sd
;+3 1,000,000.00
afudtL 100,000.00
u08sL 100,000.00
n'lDagL 100,000.00
s0ff{nL 100,000.00
;'=klZrd 100,000.00
@ 100,000.00
! 100,000.00
1,700,000.00
5 . o; ljQLo ;+:yf;Fu cfa4 ePsf ;fgf ls;fg s[lif
;xsf/L ;+:yfsf ;fgf ls;fg ;b:osf 5f]/f5f]/L dWo] bz
hf]8 b'O{ -!@_ kf; u/]sf @)–#) jif{ pd]/ ;d"xsf of]Uo
/ OR5's o'jfx?dWo]af6 uf]nfk|yf Pjd\ cGtjf{tf{ ljlwaf6
k|lzIffyL{x?sf] 5gf}6 ul/G5 . ;fgf ls;fg ljsf; n3'ljQ
ljQLo ;+:yfn] xfn;Dddf #,!^! hgfnfO{ o; sfo{qmddf
;xefuL u/fO{ ;s]sf] 5 . To; dWo] @,^&& tflnd k'/f
u/L g]kfn kmls{;s]sf 5g\ . @)&^ ;fndf o; sfo{qmd
cGt/ut $*% hgf k|lzIffyL{x¿nfO{ To;tkm{ k7fOPsf]
5 . Oh/fon hfg] k|lzIffyL{x?n] clgjfo{ ¿kdf l;l6lel6
cGt/ut b]zsf] ljleGg k|fljlws lzIffnodf egf{ eO{ hfg'
cl3 @)) 306f / kmls{;s]kl5 $)) 306f ;}4flGts /
Jojxfl/s tflnd lng] Joj:yf ldnfOPsf] 5 .
o; k|sf/sf tflndaf6 ;fgf ls;fg kl/jf/sf ljBfyL{x?df
;Lk tyf Ifdtfdf clej[l4 eO{ g]kfns} s[lif If]qsf nflu
dxTjk"0f{ of]ubfg k'Ug] ljZjf; lnO{Psf] 5 . Oh/fonsf]
of] s[lif tflndaf6 kms]{sf ljBfyL{x?n] l;s]sf ;Lk, k|ljlw
/ 1fgsf] k|;f/af6 ;DalGwt ufpFsf cGo ;fgf ls;fgx?
;d]t nfeflGjt eO{ s[lif pTkfbg / pTkfbsTj j[l4 x'g]
ck]Iff ul/Psf] 5 . cfj4 ;fgf ls;fg s[lif ;xsf/L
;+:yfx? dfkm{t o; ljQLo ;+:yfsf] ljQLo ;]jf ;d]t k|fKt
u/L oL ljBfyL{x? :jod\n] :jb]zdf g} Jofj;flos s[lif
kl/of]hgfx? ;~rfng u/L ljkGg / ;fgf ls;fgx?sf]
hLjgdf kl/jt{g Nofpg pbfx/0f aGg]5g\ eGg] cfzf
/flvPsf] 5 .
-u_ ;fgf ls;fg ;"rgf– k|ljlw ljsf; sf]if
cfhsf] ;"rgf–k|ljlwsf] o'udf ;a} u|fdL0f ;xsf/L
;+:yfx¿sf] ;"rgf–k|ljlwdf ;xh kx'Fr x'g'k5{ eGg] ljQLo
;+:yfsf] dfGotf /x]sf] 5 . n3'ljQ ljQLo ;+:yfsf tyf
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
;xsf/L ;+:yfsf hgzlQmx¿df ;"rgf–k|ljlw;DaGwL 1fg,
;Lk / k|j[lQ ljsf; ug{, o;;DaGwL cfjZos Go"gtd
pks/0f, oGq / ;'ljwfx¿ lj:tf/ ug{ / o; k|sf/sf
sfo{x¿nfO{ oyfzSo lg/Gt/tf lbg ;+:yfdf Ps ;"rgf–
k|ljlw ljsf; sf]if v8f ul/Psf] 5 . o; sf]ifdf bft[ tyf
;xof]uL lgsfox¿af6 k|fKt ;xof]u, ;xefuL ;+:yfx¿sf]
of]ubfg / ljQLo ;+:yfsf] ;xof]u /xg]5 . n3'ljQdf gofF /
pRr txsf] k|ljlw k|of]u u/L n3'ljQ ;]jfnfO{ ;xh ¿kdf
b'u{d lxdfnL / kxf8L lhNnfx¿df cem k|efjsf/L ¿kn]
lj:tf/ ug{ ;+:yfn] ;"rgf–k|ljlwnfO{ dxTjsf ;fy pkof]u
ug]{ ;f]r /x]sf] 5 .
-3_ ;fgf ls;fg /fxt sf]if
@)&@ a}zfv !@ sf] dxfe'sDk tyf To; kZrftsf
k/fsDkgsf sf/0f ljleGg lhNnfx?df ;fgf ls;fg
;b:ox? k|efljt ePsf] s'/f dWogh/ ub}{ pQm If]qsf
;fgf ls;fg ;xsf/L ;+:yf dfkm{t ;fgf ls;fg kl/jf/
;Dd ;xof]u kl/rfng ug]{ p2]Zon] Ps sf]ifsf] cfjZostf
dxz'; ub}{ ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yfn]
;fgf ls;fg /fxtsf]ifsf] :yfkgf u/]sf] 5 . o; sf]ifnfO{
ljljw k|fs[lts ljktx?sf] ;fdgf ug{sf] nflu lg/Gt/tf
lbg] lg0f{o cg';f/ lg/Gt/tf lbOPsf] 5 .
-ª_ cGt/f{li6«o tflnd, uf]i7L tyf cWoog–e|d0f
cGt/f{li6«o n3'ljQ ;DaGwL sfo{qmdx¿df ljQLo ;+:yfsf
pRr kbflwsf/Laf6 efu lnOg] / CICTAB, APRACA,
CECI Uniterra, ICA cflb ;+:yfaf6 ;~rfng x'g] tflnd,
uf]li7 tyf e|d0f sfo{qmddf ljQLo ;+:yfsf tkm{af6
;xeflutf /xFb} cfPsf] 5 . o;} cg'¿k pQm ;+:yfsf] ef/t
nufot cGo ;b:o b]zdf ;~rfng x'g] tflnddf of] ljQLo
;+:yf / ;fgf ls;fg ;xsf/L ;+:yfsf ;~rfns tyf
sd{rf/Lx¿nfO{ k7fpg] k|lqmofnfO{ lg/Gt/tf lbOPsf] 5 .
-r_ ;fgf ls;fg ;Dd]ng, @)&%
o; ljQLo ;+:yfn] sf7df8f}+df sflQs !^–!&, @)&!
-gf]e]Da/ @–#, @)!$_ df klxnf] ;fgf ls;fg ;Dd]ng
;DkGg ePsf] lyof] . of] ;Dd]ngdf æul/aL Go"gLs/0fsf
nflu u|fdL0f txdf ;an ;+:yfx¿sf] lgdf{0fÆ ug]{ cleofgsf]
¿kdf ;~rfng ug]{ gf/f to ePsf] lyof] . o;/L ;DkGg
;Dd]ngn] ;g\ @)@% ;Dd g]kfndf JofKt ul/aL Go"gLs/0fsf
nflu ;'lglZrttf ;lxtsf] nIo ;lxtsf] k|:tfj kfl/t e}
;fj{hlgs ul/Psf] lyof] . k|To]s kfFr jif{df ;fgf ls;fg
;Dd]ng ug]{ 3f]if0ffkqdf pNn]v ul/Psf]n] lbuf] ljsf;
nIox¿ k|flKtsf nflu ;xof]u k'¥ofpg / ;Dd]ngnfO{
lg/Gt/tf lbg @)&% kmfu'g !^ / !& u/L hDdf @ lbg
21
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
bf];|f] ;Dd]ng ;fgf ls;fg ;Dd]ngsf] cfof]hgf ePsf] xf] .
æ;fgf ls;fgsf] ;d[l4 M s[lifsf] ¿kfGt/0f / pBdzLntfsf]
ljsf;Æ eGg] d"n gf/f /x]sf] o; ;Dd]ngdf gLlt lgdf{tf,
cWo]tf, cg';Gwfgstf{, s[lifsdL{sf ;fy} d'n'sel/af6
cfPsf k|ltlglw ;fgf ls;fgx¿ ;d]t ul/ sl/a !,)))
hgfsf] ;xeflutf /x]sf] lyof] . ;Dd]ngn] ;fgf ls;fg
ljsf; n3'ljQ ljQLo ;+:yfaf6 k"0f{ ¿kdf ;]jf k|fKt
ul//x]sf ;fgf ls;fg s[lif ;xsf/L ;+:yfsf ;xefuL sl/a
!,))) k|ltlglwx?n] cf–cfˆgf If]qsf ;fgf ls;fgx¿nfO{
s[lifsf] ¿kfGt/0f dfk{mt ;d[l4sf] dfu{df n}hfg 1fg, ;Lk
Pjd\ k|ljlw x:tfGt/0f ug{ ;xof]u k'¥ofpg] ck]Iff /flvPsf]
lyof] .
%=$= sf]le8 !( sf] c;/ Go'lgs/0f ;DaGwL g]kfn /fi6«
a}+saf6 hf/L lgb]{zgx?sf] kfngf ;DaGwdf
-s_ sf]/f]gf sf]ifdf ;xof]u M ;+3Lo ;/sf/ tyf k|b]z
;/sf/sf] sf]/f]gf sf]ifdf /sd ;xof]u ul/Psf] .
-v_ ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf /x]sf]
/sd sf]/f]gf sf]ifdf e'QmfgL M g]kfn /fi6« a}+ssf]
lgb]{zg cg';f/ ;+:yfut ;fdflhs pQ/bfloTj
sf]ifdf df}Hbft /sd /fli6«o :t/sf] sf]/f]gf
sf]ifdf hDdf ul/Psf] .
-u_ sd{rf/Lx?sf] sf]/f]gf ljdf M ;a} sd{rf/Lx?sf]
?= ! nfv a/fa/sf] sf]/f]gf ladf ul/Psf] .
-3_ sf]/f]gf k|efj ;DaGwL hfgsf/L M ljQLo ;+:yfsf]
sf/f]af/df /x]sf ;fem]bf/ ;+:yfx?af6 sf]/fgfsf
sf/0f dfgjLo tyf Joj;fodf k/]sf] k|efjsf
;DaGwdf hfgsf/L lnO{ o; ljifodf ;~rfns
;ldltdf ;d]t 5nkmn u/L k|fKt ;'emfjx?sf]
sfof{Gjog Joj:yf ldnfOPsf] .
-ª_ Aofhb/df ;+zf]wg M g]kfn /fi6« a}+ssf] lgb]{zg
adf]lhd @)&^ r}qdf lt/]sf] Aofhdf !) k|ltzt
;x'lnot pknAw u/fOPsf] / @)&& a}zfv !
ut]b]lv c;f/ d;fGt;Dd Aofhb/df g} @ -b'O{_
k|ltzt sd ul/Psf] . ;x'lnot k|s[ltsf ljz]if
shf{ afx]ssf] n3'shf{sf] Aofhb/df @)&& efb|
! b]lv !Ü / @)&& c;f]h ! ut] b]lv yk
@Ü u/L Aofhb/df #Ü sd u/L (=&%Ü sfod
ul/Psf] . u|fdL0f pBd shf{sf] Aofhb/ !Ü
sd u/L ^=%Ü sfod ul/Psf] . sf]le8 k|efljt
pBdL ;fgf ls;fgx?nfO{ /fxt k|bfg xf];\ egL
&=@%Ü Aofhb/df k|jfx x'g] u/L k'g?Tyfg shf{
Joj:yf ul/Psf] .
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
-r_ e'QmfgL ldlt ;+zf]wg M g]kfn /fi6« a}+ssf] lgb]{zg
/ C0fL ;+:yfsf] dfu cg';f/ shf{sf] e'QmfgL
Dofb ;+zfw]g ul/Psf] .
-5_ sfo{qmdsf] lg/Gt/tf (Business Continuity
Guideline) lbUbz{g tof/ ul/Psf] M ;fem]bf/
;+:yfx?sf] sf/f]af/nfO{ sf]/f]gf dxfdf/Lsf]
aLrdf klg lg/Gt/tf s;/L lbg] eGg] ;DaGwdf
lbUbz{g tof/ agfO{ ;+:yfx?df k7fOPsf] .
-h_ sf]/f]gf ljkb Go"gLs/0f÷Joj:yfkg pk–;ldlt M
Joj:yfkg:t/sf] Ps pk–;ldlt agfO{ pQm
pk–;ldlt dfkm{t o; ;DaGwdf cfOk/]sf cGo
tflnsf g+= ( Aofh 5'6
u|fxsx?nfO{ shf{df k|bfg ul/Psf] s'n u|fxsx?nfO{ shf{df k|bfg ul/Psf] s'n u|fxsx?nfO{ shf{df k|bfg ul/Psf] s'n
Aofhsf] !) k|ltztn] x'g] 5'6 /sd @ k|ltztsf] Aofh 5'6 /sd
-@)&& r}q d;fGtsf]_
1,14,64,451/38 7,48,04,035/23
%=% ljQLo ;+:yfsf] efjL of]hgf
ljQLo ;+:yfn] ;g\ @)@% ;Dddf s"n ! xhf/ ;fgf ls;fg
;xsf/L ;+:yf tyf o:t} k|s[ltsf cGo ;+:yfx¿dfkm{t !)
nfv ljkGg tyf ;fgf ls;fg kl/jf/df ;]jf k'¥ofpg] nIo
/fv]sf] 5 . efjL lbgdf ljQLo ;+:yf tyf o;df cfa4
;+:yfx¿nfO{ ;"rgf–k|ljlw;Fu hf]8\g], ljQLo ¿kdf :j:y
/ ;an agfpg], u|fxs ;+:yfx¿sf] Joj:yfksLo / ljQLo
l:ylt alnof] agfpg cfjZos sfo{qmdx¿ ;~rfng
ug]{, lbuf] ljQLo ;|f]tdf kxF'r agfpg], ljleGg ;xof]uL
lgsfo÷;+:Yffx¿;Fu ;dGjo u/L n3'ljQdfkm{t s[lifIf]qsf]
ljsf;df of]ubfg k'¥ofpg] ;Gbe{df o; ljQLo ;+:yfn]
b]xfocg';f/sf] efjL sfo{qmdx¿df hf]8 lbg]5 —
-!_ n3'ljQ ;]jf gk'u]sf / ckof{Kt /x]sf If]qx?df
;]jf lj:tf/sf nflu qmdzM sfo{qmd ;~rfng ub}{
nlug]5 .
-@_ cflbjf;L, dw];L, blnt, hghftL, ;'s'Djf;L / vf;
u/L ljkGg u|fdL0f dlxnf cflb n3'ljQ ;]jfaf6
al~rt ju{sf] n3'ljQ ;]jfdf kx'Fr a9fpg cg';/0f
sfo{qmd tyf Joj;fo lj:tf/sf pko'Qm gd'gfx?nfO{
k|efjsf/L ¿kdf lj:tf/ ug]{ sfo{nfO{ lg/Gt/tf
lbO{g]5 .
-#_ g]kfn ;/sf/sf] ;xof]udf ;~rflnt df;'hGo / b'Uw
kbfy{ pTkfbgsf nflu kz'kfng shf{ tyf o;} cf=j=
af6 z'? ul/Psf] t/sf/L v]tL sfo{qmdnfO{ cem
22
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
sfo{ / ;d:ofx?sf] lg/fs/0fsf sfo{x? lg/Gt/
x'Fb} cfPsf] .
-em_ g]kfn /fi6« a}+ssf] lgb]{zg kfngf M o; ;DaGwL
lgb]{zgsf] kfngfsf nflu tt\;DaGwL sfo{ x'Fb}
cfPsf] .
-`_ g]kfn /fi6« a}+ssf]] ldlt @)&^÷!@÷!^ /
@)&&÷)!÷!^ sf] ;"rgfdf pNn]v eP adf]lhd
u|fxsx?nfO{ shf{df k|bfg ul/Psf] s'n Aofh 5'6
/sd tyf o; ljQLo ;+:yfn] shf{ ;fk6df k|fKt
u/]sf]] s'n Aofh 5'6 /sd b]xfocg';f/ /x]sf]5 M
Aofhsf] !) k|ltztn] x'g] 5'6 /sd
-@)&& r}q d;fGtsf]_
4,52,53,015/39
k|efjsf/L agfO{ lj:tf/ ul/g] 5 .
-$_ ;d[l4 kl/of]hgf cGt/ut k|b]z g+= ! / k|b]z g+= @
sf ;xsf/L ;+:yfx?sf] Ifdtf ljsf; ul/g]5 .
-%_ ;Lk kl/of]hgf cGtu{t o; ljQLo ;+:yfsf Onfsf
sfof{nox? Alb{af;, a'6jn / g]kfnu~hsf] sfo{If]q
leqsf !)) j6f ;fem]bf/ ;+:yfx?sf] ;b:o kl/jf/af6
j}b]lzs /f]huf/Ldf hfg] jf uO{;s]sf o'jfx?sf] ;Lk
ljsf; u/L pBdzLn shf{df kxF'r a9fOg]5 .
-^_ o; ljQLo ;+:yfsf] g]t[Tjdf ljkGg tyf ;fgf
ls;fgx?nfO{ s[lif d"No>[Înfsf ljljw kIfx?df
;xefuL u/fO{ ;xsf/L dfkm{t u|fdL0f pBd :yfkgf
u/fpg Pl;ofnL ljsf; a}+s tyf ljleGg ;xof]uL
lgsfox?;Fusf] ;dGjodf ;~rflnt u|fdL0f pBd
shf{ sfof{qmdnfO{ lg/Gt/tf lbOg]5 .
-&_ ljQLo ;+:yfsf] p2]Zo k|flKtdf ;3fp k'¥ofpg] /
;xof]u cfbfg k|bfg x'g ;Sg] ;DefJo /fli6«o cGt/
f{li6«o ;+3 ;+:yfx? klxrfg u/L ;xsfo{sf] nfe lng]
jftfj/0f ldnfO{g]5 .
-*_ k|efjsf/L cg'udg / lg/LIf0f Joj:yfaf6 u|fxs
;+:yfx¿df ;'zf;gsf] cj:yf ;'b[9 u/fO{g]5 .
-(_ ;+:yfsf] ljQLo :jf:Yo tyf u|fdL0f ljsf;df k'¥ofPsf]
of]ubfgsf] cfwf/df ;+:yfdf ;+nUg g]t[Tjju{ /
Joj:yfkgdf ;+nUg sd{rf/Lsf] ;d]t Ifdtf clej[l4
x'g] cj;/x¿sf] vf]hL ul/g] 5 .
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
-!)_ ljkGg tyf ;fgf ls;fgx?df ljQLo ;]jfsf] ;xh
kx'Fr lj:tf/ ug{ Pjd\ kf/bzL{ / k|efjsf/L ;]jfsf
nflu ;'b[9 ;"rgf k|ljlwsf] :yfkgf / pko'Qm df]afO{n
a}+lsËsf] ;Defjgf vf]hL ul/g]5 .
-!!_ shf{sf] u'0f:t/nfO{ lg/Gt/ ;'wf/, cfDbfgLsf] ;|f]t
lj:tf/ / vr{sf] plrt Joj:yfkg ub}{ ljQLo ;+:yfsf]
d'gfkmfdf a[l4 u/L z]o/wgLx?nfO{ oyf]lrt k|ltkmn
pknJw u/fOg]5 .
-!@_ g]kfn ;/sf/sf] ;xof]udf ;~rfng x'g] cg';/0f
sfo{qmd cGt/ut s[lif d"No>[Înf clej[l4
ub}{ g]kfnsf] u|fdL0f s[lif cy{tGqsf] ljsf;df ;3fp
k'¥ofpg ;fgf ls;fg ;xsf/L ;+:yfx¿df ;kmn
sfo{qmdx¿ cg';/0f ug{] Joj:yf ;d]t ldnfOg]5 .
-!#_ ljutb]lv cg';/0f sfo{qmdaf6 :yfkgf eO{
;~rfngdf /x]sf kl/kSj ;xsf/L ;+:yfx¿nfO{
dfkb08sf] cfwf/df ljQLo ;+:yf;Fusf] sf/f]af/df
cfj4 u/fpFb} nlug]5 .
-!$_ ljQLo / Jofj;flos ¿kdf ;Ifd eO;s]sf] ;fgf
ls;fg ;b:ox¿sf] Jofj;flos cfjZostfg'¿k
cGo a}+s tyf ljQLo ;+:yfx¿;Fu ;d]t ;xsfo{ x'g
;Sg] u/L æ;fgf ls;fgx¿sf] :t/f]GgtLÆ gLlt th'{df
u/L nfu' ul/g]5 .
-!%_ ljQLo ;+:yfn] :jLs[t u/]sf] vl/b u'?of]hgfnfO{
cfwf/dfgL ljQLo ;+:yfsf] s]Gb|Lo sfof{no ejg
k|of]hgsf nflu hUuf jf 3/hUuf vl/b ug]{ k|s[of
cl3 a9fO{g] 5 .
-!^_ k|wfgdGqL s[lif cfw'lgsLs/0f cfof]hgf;Fu ;dGjo
u/L pko'Qm If]qx¿df wfg, ux'F, cfFk, s]/f, lrof,
t/sf/L, cfn', t]nxg, bnxg, kz'kfng / df5f cflb
h:tf s[lif pkhdf Jofj;flos ¿kdf s]lGb|t x'g]
u/L ks]6 kl/of]hgf ;~rfng ug{ ;xsfo{sf] k|of;
ul/g]5 .
-!&_ afudtL k|b]z ;/sf/;Fu ;Demf}tf eP cg';f/
;'ne shf{ sfo{s|d ;~rfng ul/g]5 / cGo k|b]z
;/sf/x? ;+u ;xsfo{ u/L ;'ne shf{ kx'Frsf nflu
sfo{s|d ;~rfng ug{ kxn ul/g]5 .
^= n3'ljQ ljQLo ;+:yfsf] Jofj;flos ;DaGwM
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= k|rlnt
P]g adf]lhd klAns lnld6]8 sDkgLsf] ¿kdf ldlt
@)%*÷)#÷@@ df sDkgL /lhi6«f/sf] sfof{nodf btf{
gfdfs/0f kfO{ g]kfn /fi6« a}+ssf] ldlt @)%*÷!!÷@&
23
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
sf] kqaf6 ;~rfng :jLs[lt kfPsf] ;+:yf xf] . a}+s tyf
ljQLo ;+:yf P]g cg';f/ of] ;+:yf yf]s n3'ljQ sf/f]af/
ug]{ …3Ú ju{sf] n3'ljQ ;+:yfsf] ¿kdf sfo{/t 5 . ldlt
@)&)÷)^÷!$ df g]kfn :6s PS;r]~h;Fu ;Demf}tf u/L
:6s dfs]{6df ;'lrs[t ePsf] o; ljQLo ;+:yfn] ldlt
@)&!÷)*÷!& df ;L=8L=P;=;L= tyf lSnol/Ë;Fu ;d]t
;Demf}tf u/L l8Dof6 k|s[of ;'? ul/;s]sf] 5 . o; ljQLo
;+:yfsf ;+:yfks z]o/wgL ;+:yf dWo] @#! j6f ;fgf ls;fg
;xsf/L ;+:yfx? ;d]t o;sf u|fxs ;+:yf x'g\ . o; afx]s
klg n3'ljQ ;]jf k|bfg ug]{ cGo ;xsf/L÷ljQLo ;+:yfnfO{
;d]t o; ;+:yfn] cfkm\gf ;]jf k|bfg ub{5 . ljQLo ;+:yfn]
lgodfg';f/ df}hb' f ;"rLdf /x]sf Jofj;flos kmd{x?;Fu
lgoldt vl/b ub{5 eg] l;df dflysf] xsdf v'Nnf af]nkq
cfJxfg dfkm{t j:t' tyf ;]jf vl/b ug]{ ub{5 . o;sf
cltl/Qm o; ljQLo ;+:yfsf] Jofj;flos ;DaGw /x]sf
lgsfo÷;+3÷;+:yfx? ;DaGwdf tn 5f]6s/Ldf k|:t't
ul/Psf] 5 .
^=! g]kfn ;/sf/ M–
g]kfn ;/sf/ ;d]tsf] z]o/ :jfldTjdf of] ljQLo ;+:yfsf]
:yfkgf ePsf] xf] . ;fgf ls;fgx?sf] ax'dt :jfldTj
/xf]; eGg] clek|fon] g]kfn ;/sf/af6 kl5 cfˆgf] z]o/
:jfdLTj ;fgf ls;fg s[lif ;xsf/L ;+:yfx?nfO{ g} laqmL
ul/of] . g]kfn ;/sf/af6 o; ljQLo ;+:yfnfO{ lgoldt
;xof]u xF'b} cfPsf]5 . h;df ;fgf ls;fg ;xsf/L ;+:yf
ln=x?sf] ;'b[9Ls/0f, ;fgf ls;fg s[lif ;xsf/Lx?sf] ;]jf
lj:tf/sf nflu cg';/0f sfo{qmd, ;fdflhs ;d'bflos
ljsf;, kz'wg ;'/If0f, kz'kfng tyf ;f]sf] k|a¢gsf nflu
cfjZos cg'bfg ;xof]usf] lg/Gt/tf /xb} cfPsf] 5 .
o;sf cnfjf ;fgf ls;fg ljsf; ljQLo ;+:yf;Fu cfa4
;fgf ls;fg ;xsf/L ;+:yf ln= dfkm{t b'w tyf df;' hGo
kz'kfns / t/sf/L v]tL ug]{ ;fgf ls;fgnfO{ nufgL ug]{
u/L @)&& c;f/;Dd ?=!! ca{ !) s/f]8 C0f ;xof]u
k|fKt ePsf] 5 . ;+:yfn] pQm /sdsf] @)&& c;f/ d;fGt
;Ddsf] ;Dk"0f{ Aofh / ?=@ cj{ !) s/f]8 ;fFjf e'QmfgL
ul/;s]sf] 5 . o; sfo{qmd k|lt ;fgf ls;fgx?sf] cfsif{0f
/ k|efjsfl/tfsf cfwf/df cfufdL jif{x?df cem} lj:tf/
;lxt lg/Gt/tf lbOg' kg]{ dx;'; x'g cfPsf] 5 . g]kfn
;/sf/af6 ADBM, IFAD nfO{ ;d]t o; ljQLo ;+:yf;Fu
;xsfo{sf nflu hf]l8g] sfo{ xF'b} cfPsf] 5 . ls;fgsf nflu
pGgt ljpljhg sfo{qmd cGtu{t ;fgf ls;fg ;xsf/Lsf]
;]jf lj:tf/ tyf s[lif shf{sf] Joj:yf, e'sDk lkl8t
;d'bfosf] nflu ljkb hf]lvd Go"lgs/0f tyf hLljsf]kfh{g
k'g/:yfkgf sfo{qmd / u|fdL0f pBd shf{ sfo{qmd h:tf
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
;fgf ls;fgx?sf] nflu cGo nfebfos sfo{qmdx? oxL
;xsfo{sf pbfx/0fx? x'g\ .
^=@ g]kfn /fi6« a}+s M–
;fd'bflos e"ldut hn l;~rfO{ ;]S6/ cfof]hgf cGt/ut
?= ! s/f]8 * nfv shf{ k|fKt eO{ ;fgf ls;fg ;xsf/L
;+:yfx? dfkm{t l;~rfO{ sfo{qmd ;~rfng ul/Psf] lyof] .
g]kfn ;/sf/sf] ldlt @)&%.*.@$ sf] lg0{fosf] cfwf/df
g]kfn ;/sf/, g]kfn /fi6« a}+s / ;fgf ls;fg ljsf; n3'ljQ
ljQLo ;+:yf lar u|fdL0f :jfjnDag sf]ifsf sfo{qmd
ljQLo ;+:yf dfkm{t ;~rfng ug]{ u/L ldlt @)&^.#.#! df
lqkIfLo ;Demf}tf ;DkGg ePsf] 5 . ;fljsdf g]kfn /fi6«
a}+saf6 ;~rflnt of] sfo{qmd ca ljQLo ;+:yf dfkm{t
;~rfng ug{ sf]ifsf] /sd ?=(( s/f]8 #& nfv !& xhf/
dfq :jfjnDag shf{sf] ?kdf o; ljQLo ;+:yfnfO{ k|bfg
ePsf] 5 .
^=# s[lif ljsf; a}+s ln= M–
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yfsf] :yfkgfsf]
cu'jfO{ ub}{ ?= & s/f]8 z]o/ k'FhL nufgL u/L o; ljQLo
;+:yfsf] d'Vo k|j4{ssf] ¿kdf s[lif ljsf; a}+sn] lg/Gt/
;xof]u k|bfg ub}{ cfPsf] 5 . nfdf] cjlw;Dd o; ljQLo
;+:yfsf] Joj:yfkg ;Dxfn]/ ;+:yfsf] cfˆg} dfgj ;+zfwg
ljsf; ug]{ ;Ddsf sfo{x?df s[lif ljsf; a}+ssf] cxd\
e"ldsf /x]sf] 5 . ;fgf ls;fg ;xsf/L ;+:yf;Fu /x]sf] ?=
! ca{ @^ s/f]8 *& nfvsf] shf{ kf]6{kmf]lnof] o; ljQLo
;+:yfnfO{ x:tfGt/0f ug'{ dfq geP/ yk cfjZos C0f–
k'FhL lg/Gt/ ¿kdf pknAw u/fO{ /x]s]f 5 .
^=$ Pl;ofnL ljsf; a}+s M–
o; ljQLo ;+:yf tyf cfj4 ;+:yfx?sf] cj:yf
cWoog ljZn]if0f, k'g/;+/rgf sfo{qmd th'{df, sDKo'6/
;ˆ6j]o/, xf8{j]o/ tyf h]g]/]6/ vl/b, sdhf]/ ;+:yfx?sf]
;'b[9Ls/0fdf ;xof]u Pjd\ k/fdz{bftfsf] ;]jf, kxf8L
If]qdf n3'ljQ ;]jf lj:tf/ cflb sfo{x?df Pl;ofnL ljsf;
a}+sn] dxTjk"0f{ ;xof]u u/]sf] lyof] . e'sDk k|efljtsf
nflu ;~rfng ePsf] DRRLREAC kl/of]hgf gf]e]Da/
@)!( df ;dfKt eO;s]sf] / pQm kl/of]hgfn] e'sDk
k|efljtsf nflu kl/of]hgf cjlwe/;Dd ? *@ s/f]8 !(
nfv shf{ k|jfx u/]sf] 5 . o;sf ;fy} Pl;ofnL ljsf;
a}+ssf] ? % ca{sf] ;x'nLot shf{ cGtu{t O=;= @)@) af6
u|fld0f pBd ljsf; nufgL kl/of]hgf (Rural Enterprise
Financing Project) ;~rfng ePsf] 5 . pQm kl/of]hgfsf
nflu Pl;ofnL ljsf; a}+s / g]kfn ;/sf/ lar @)!(
l8;]Da/ !) df ;Demf+}tf eO;s]sf] 5 eg] ;fgf ls;fg
ljsf; n3'ljQ ljQLo ;+:yf / g]kfn ;/sf/lar ;xfos
24
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
C0f ;Demf}Tff ldlt @)&&÷)!÷)& df ePsf] 5 . pQm
kl/of]hgfn] Jofj;flos s[lif pBdsf nflu ;fd'lxs tyf
JolQmut s[lif shf{ k|jfx u/L ;fgf ls;fgx?nfO{ pBdL
agfpg] p2]Zo lnPsf] 5 .
^=% hL=cfO=h]8 M–
;fgf ls;fg ;+:yfut ljsf; sfo{qmdsf] cf/De b]lv g}
tTsflng hL=6L=h]8= xfn lhcfOh]8n] dxTjk"0f{ ;xof]u
/x]sf] lyof] . o; ljQLo ;+:yfsf] :yfkgf, ;fgf ls;fg
;xsf/L ;+:yfx?sf] ;'b[9Ls/0f / ljsf;, cg';/0f sfo{qmd,
;]jf lj:tf/ sfo{qmd, ljQLo ;+:yfsf sd{rf/Lx?nfO{ pRr
lzIff tyf ;fgf ls;fg ;d]tnfO{ cGt/f{li6«o tflnd e|d0f
cflb h:tf sfo{qmdx?df hL=cfO=h]8=sf] ;xof]u /x]sf]
lyof] .
^=^ g]kfn s[lif ;xsf/L s]Gb|Lo ;+3 M–
;fgf ls;fg ;xsf/L ;+:yfx?sf] Ifdtf ljsf; / u}/
ljQLo ;]jfx? k|bfg ub}{ cfPsf] g]kfn s[lif ;xsf/L s]Gb|Lo
;+3;Fu o; n3'ljQ ljQLo ;+:yfn] ;+:yfx?sf] ;'b[9Ls/0f
/ ljsf;df ;xsfo{ ub}{ cfPsf] 5 . o;sf cnfjf ;fgf
ls;fg ;xsf/L cg';/0f / tt\;DaGwL k/fdz{ ;]jf lbg]
sfo{df o; ;+3n] k|fljlws ;]jf k|bfg ub}{ cfPsf] 5 .
^=& s[lif ljsf;sf nflu cGt/f{li6«o sf]if M–
;fgf ls;fg ;xsf/L ;+:yf/ lj:tf/sf nflu g]kfn ;/sf/
s[liftyf kz'k+IfL ljsf; dGqfno dfkm{t s[lif ljsf;sf] nflu
cGt/f{li6«o sf]if (IFAD) af6 dWo klZrd / klZrdf~rnsf
?s'd k'j{, ?s'd klZrd, /f]Nkf, ;Nofg, Ko'7fg, u'NdL /
c3f{vfFrL u/L & lhNnfdf ls;fgsf nflu pGgt ljpljhg
sfo{qmd ;~rfng 5 . pQm sfo{qmddf ;fljs sf * / gofF
:yfkgf x'g] &% ;+:yf ;lxt *# ;+:yfaf6 s'n $% xhf/
kl/jf/df ;]jf k'¥ofpg] nIo cg'¿k ljQLo ;+:yfn] g]kfn
;/sf/af6 ;x'lnot b/df ?= *) s/f]8 shf{ k|fKt u/L *#
;xsf/L dfkm{t s[lif shf{ nufgL u/]sf]] 5 .
^=* ;Ifd PS;];– 6' kmfOgfG; kl/of]hgf M–
o; ljQLo ;+:yf / l8=Pkm=cfO{=l8= sf] ;xof]udf n'O{;
au{/åf/f ;+rflnt ;Ifd A2F aLr ;]K6]da/ @, @)!*
df Digitization of SFACLs & Expansion of Access to
Finance in Karnali Province of Nepal (DSFACLs &
A2F) kl/of]hgf ;~rfng ug{ ;Demf}tf ePsf] lyof] . o;
kl/of]hgfsf] d'Vo p2]Zo ljkGg ju{sf] nflu ljQLo kFx'r
a9fpg' /x]sf] 5 . o; kl/of]hgfsf] d'Vo p2]Zo ljkGg
ju{sf] nflu ljQLo kFx'r a9fpg' /x]sf] 5 .
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
^=(= ;d[l4 kl/of]hgf M–
u|fdL0f pBd tyf ljk|]if0f cfof]hgf -;d[l¢_ g]kfn ;/sf/ /
s[lif ljsf;sf nflu cGt/fli6«o sf]if (IFAD) lar ;Demf}tf
eO{ pBf]u, jfl0fHo tyf cfk"lt{ dGqfno cGtu{t & jif{sf
nflu sfof{Gjogdf cfPsf] cfof]hgf xf] . of] cfof]hgf
;g\ @)!% l8;]Da/df z'? eO{ @)@@ sf] l8;]Da/df cGTo
x'g]5 . o; cfof]hgfn] k|b]z ! cGtu{tsf * lhNnf -df]/ª,
;'g;/L, wgs'6f, t]x|y'd, ef]hk'/, cf]vn9'+uf, vf]6fª /
pbok'/_Ù k|b]z @ cGtu{tsf & lhNnf -;Kt/L, l;/fx, wg'iff,
dxf]Q/L, ;nf{xL, /f}tx6 / jf/f_ tyf afudtL k|b]zsf] Ps
lhNnf l;Gw'nL;lxt hDdf !^ lhNnfnfO{ ;d]6]sf] 5 .
ul/aL Go'lgs/0f tyf b]zdf lbuf] zflGt xfl;n ug{sf nflu
/f]huf/Lsf cj;/ l;h{gf u/L ;dtfd"ns tyf ;dfj]zL
cfly{s ljsfz ug]{ o; cfof]hgfsf] nIo /x]sf] 5 . o;
ljQLo ;+:yf / ;d[l4 cfof]hgf (IFAD/RERP) lar ldlt
@)&&÷)%÷@$ ut] ;Demf}tf ePsf] 5 . o; kl/of]hgf
cGtu{t tf]lsPsf !%) j6f ;xsf/L ;+:yfx?sf] ;+:yfut
Ifdtf clejl¢ u/L tL ;xsf/Lx? dfkm{t ljQLo kxF'r
a9fpg] d'Vo nIo /x]sf] 5 .
^=!)= ;Lk kl/of]hgf M–
a]nfotL ;xof]u ;+:yf UKaid sf] cg'bfg ;xof]udf WPS
åf/f g]kfndf ;+rflnt Skill for Employment Programme
-;Lk_ kl/of]hgf g]kfndf ;~rfngdf /x]sf] 5 . pQm
kl/of]hgfdf o; ljQLo ;+:yfn] Challenge Fund sfo{s|d
cGtu{t n'lDalg k|b]z / k|b]z g+= @ sf !@ j6f lhNnfsf
!)) j6f ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= sf ;b:o
jf lghsf kl/jf/sf ;b:ox? a}b]lzs /f]huf/af6 g]kfn
lkmtf{ cfP/ s'g} pBd ;~rfng ul//x]sf] jf ;~rfng ug]{
;f]r /x]sf JolQmx?nfO{ ;Lk tyf Ifdtf ljsf;sf nflu
cfjZos tflnd tyf k'FhLsf] Joj:yf ldnfpg] u/L k|:tfj
k]z u/]sf]df pQm k|:tfj ;Lk sfo{qmdaf6 :jLs[t eO{ o;
ljQLo ;+:yf;Fu ;Demf}tf x'g] qmddf /x]sf] 5 .
^=!!= afUfdtL k|b]z ;/sf/;Fu nufgL ;Demf}tf M–
afudtL k|b]zsf] cfly{s dfldnf tyf of]hgf dGqfno
tyf ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yflar ldlt
@)&& dª\l;/ !* ut] pTkfbg tyf /f]huf/L ;[hgfsf nflu
;x'lnotk"0f{ C0f nufgL sfo{ljlw @)&& adf]lhdsf] shf{
sfo{s|d ;~rfngsf nflu ;Demf}tf ePsf] 5 .
^=!@ a}+s tyf ljQLo ;+:yfx? M–
o; ljQLo ;+:yfnfO{ cfjZos kg]{ ljQLo ;|f]t ljleGg a}+s
tyf ljQLo ;+:yfx?n] pknAw u/fpFb} cfPsf 5g\ . o;
;+:yfsf z]o/ wgL ;d]t /x]sf s[lif ljsf; a}+s ln= g]kfn
a}+s ln= / glan a}+s ln=n] nfdf] ;do b]lv ljkGg If]q
shf{ pknAw u/fpFb} cfPsf 5g\ . To:t} u/L Pe/]i6 a}+s
ln=, /fli6«o jfl0fHo a}+s, lxdfnog a}+s ln=, l;4fy{ a}+s
25
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
ln=, k|fO{d sdlz{on a}+s ln=, PgcfO{;L Plzof a}+s ln=,
a}+s ckm sf7df8f}+ ln=, df5fk'R5|] a}+s ln=, :6of088{ rf6{8{
a}+s ln=, ;flgdf a}+s ln=, l;l6hG; a}+s OG6/g]zgn ln=
g]kfn qm]l86 P08 sdz{ a}+s ln=, PgPdaL a}+s ln=, Unf]]an
cfOPdO{ a}+s ln, s'df/L a}+s ln=,g]kfn P;lacfO{ a}+s ln=,
d]uf a}+s ln=,;g/fOh a}+s ln=, g]]kfn OGe]i6d]06 a}+s ln=,
g]kfn aª\unfb]z a}+s ln=, k|e' a}+s ln=,dxfnIdL ljsf;
a}+s ln=, nufotsf a}+s tyf ljQLo ;+:yfn] o; a}+snfO{
ljkGg If]q shf{ pknAw u/fpFb} cfPsf 5g\ .
^=!#= ;]G6/ km/ dfO{qmf] kmfO{gfG; M–
of] ljQLo ;+:yf ;]G6/ km/ dfO{qmf] kmfO{gfG;sf] z]o/wgL
;d]t /x]sf] 5 . o; ;+:yfn] ljQLo ;+:yfdf cfj4 ;+:yf
Pjd\ ;+:yfsf sd{rf/Lx?sf] Ifdtf ljsf;df ;xof]u
k'¥ofpFb} cfPsf] 5 .
^=!$= ck|fsf (Asia and Pacic Rural Agricultural
Credit Association (APRACA) :–
o; ljQLo ;+:yfn] APRACA sf] ;b:otf k|fKt u/]sf]5 .
ck|fsfn] ;~rfng ug]{ ljleGg sfo{qmdx?df ljQLo ;+:yfsf]
;d]t k|ltlglwTj /xFb} cfPsf] 5 . o;sf cltl/Qm Pl;of
Kofl;lkms If]qsf ljQLo ;+:yfx?sf] of] pRr ;Ë7gsf]
sfo{sf/L ;ldltsf] ldlt @)&% c;f]h @@ b]lv @$ df
>LnÍfdf ;DkGg ;fwf/0f ;efn] o; ljQLo ;+:yfsf
k|d'v sfo{sf/L clws[t 8f= lzj/fd k|;fb sf]O/fnfnfO{
sfo{sf/L ;ldltsf] ;b:osf] ¿kdf rog u/]sf] 5 . o;af6
cGt/f{li6«o ¿kdf o; ljQLo ;+:yfsf] klxrfg cem ;'b[9
ePsf] 5 .
^=!%= l;S6\ofa (Centre for International
Cooperation and Training in Agricultural
Banking (CICTAB), India M–
g]kfn /fi6« a}+s, s[lif ljsf; a}+s nufotsf g]kfnsf a}+s
tyf ljQLo ;+:yfx? ;b:o /x]sf] CICTAB, India sf] of]
ljQLo ;+:yf klg Ps ;lqmo ;b:osf] ¿kdf /x]sf] 5 .
n3'ljQ ljQLo ;+:yf tyf ;fgf ls;fg ;xsf/L ;+:yfsf
sd{rf/Lx?nfO{ ;do ;fk]If tflnd tyf uf]i7Lx?df ;xefuL
u/fpFb} cfPsf] l;S6\ofasf] kxndf ljut # aif{ b]lv o;
;+:yfsf sd{rf/Lx?n] a}s'07 d]xtf /fli6«o ;xsf/L k|jGw
;+:yfg cGt/ut kf]i6 Uo|fHo'P6 l8Knf]df O{g sf]ck/]l6e
lahg]; Dofg]hd]06 sf];{df cWoog ub}{ cfPsf 5g\ .
^=!^= sDKo'6/ ;6j]o/ M–
o; ljQLo ;+:yfn] o'/fg; ;km'6\j]o/ k|of]u ub}{ cfPsf] 5 .
^=!&= /lhi6«f/ 6' z]o/ M–
gljn OGe]:6d]G6 a}+lsË ln= n] o; ljQLo ;+:yfsf] z]o/
/lhi6«f/sf] ¿kdf ;]jf k|bfg ub}{ cfPsf] 5 .
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
&= ;~rfng tyf ;'zf;g gfddf laqmL ul/of] . lj=;+=@)&& c;f/;Dd r'Qmf k'FhL ?=!
ca{ @ nfv @( xhf/ $@% k'u]sf] 5 .
&=! k'FhL ;+/rgf
clxn] ;+:yfks tkm{af6 @#! j6f ;fgf ls;fg ;xsf/L
-s_ n3'ljQ ljQLo ;+:yfsf] z]o/ ;+/rgf M
;+:yfx?n] z]o/ nufgL a9fO s'n ?= $# s/f]8 ^% nfv (^
lj=;+= @)%* df n3'ljQ ;+:yf :yfkgf ubf{ g]kfn ;/sf/, xhf/ cyf{t $$ k|ltzt k'¥ofPsf 5g\ . s[lif ljsf; a}+s
s[lif ljsf; a}+s, g]kfn a}+s ln=, glan a}+s ln= / @! j6f ln=sf] z]o/ :jfldTj ?= @@ s/f]8 # nfv $$ xhf/ cyf{t
;fgf ls;fg ;xsf/L ;+:yfx? ;+:yfkssf] ¿kdf /x]sf @@ k|ltzt sfod /x]sf] 5 . g]kfn a}+s ln= sf] ?= ! s/f]8
lyP . of] n3'ljQ ;+:yf ;fgf ls;fg ;xsf/L ;+:yfx?nfO{ @! nfv $^ xhf/ cyf{t ! k|ltzt /x]sf] 5 . glan a}+s
nlIft u/L :yfkgf ul/Psf] x'Fbf s'n z]o/ kF'hLsf] clws ln=sf] ?= # s/f]8 # nfv ^% xhf/ cyf{t # k|ltzt /x]sf]
lx:;f ;fgf ls;fg ;xsf/L ;+:yfx?sf] geP;Dd g]kfn 5 . o;/L ;+:yfksx?sf] s'n ?= ^( s/f]8 ($ nfv %@
;/sf/ tyf s[lif ljsf; a}+s ln=n] cf–cfˆgf] :jfldTjdf xhf/ cyf{t &) k|ltzt z]o/ lx:;f /x]sf] 5 . ;j{;fwf/0f
/x]sf] z]o/ qmdzM ;fgf ls;fg ;xsf/L ;+:yfx?nfO{ laqmL z]o/wgLx?sf] ?= #) s/f]8 && nfv &@ xhf/ cyf{t #)
ug]{ gLlt cg'?k g]kfn ;/sf/sf] k'/} / s[lif ljsf; a}+s k|ltzt z]o/ :jfldTj /x]sf] 5 .
ln=sf] s]xL lx:;f ;fgf ls;fg ;xsf/L ;+:yf ln=x?sf
tflnsf !) M ljQLo ;+:yfsf] z]o/ ;+/rgf
-ldlt @)&^÷)#÷#!_
;d"x r'Qmf k'FhL -?=df_ k|ltzt ;~rfns ;ldltdf k|ltlglwTj ;ª\Vof
;d"x -s_ k|jw{s ;d"x 699,452,179.57 69.93%
s= ! s[lif ljsf; a}+s ln= 220,344,621.22 22.03%
s= @ g]kfn a}+s ln= 12,146,024.93 1.21% 1
s= # glan a}+s ln= 30,365,217.65 3.04%
s= $ ;fgf ls;fg ;xsf/L
436,596,315.77 43.65% 3
;+:yfx¿
;d"x -v_ ;j{;fwf/0f
300,777,246.09 30.07% 2
z]o/wgL
Jofj;flos ;~rfns - - 1
hDdf !,))),@@(,$@%=^^ !))=)) &
gf]6M @)&^÷&& sf] @%Ü af]g; z]o/ k|:tfj kfl/t ePkl5 ljQLo ;+:yfsf] s'n r'Qmf z]o/ /sd ?= !,@%,)@,*^,&*@÷)* k'Ug] 5 .

&=@ ;'zf;g tyf ;Ë7gfTds ;+/rgf -s_ jflif{s ;fwf/0f ;ef

o; n3'ljQ ljQLo ;+:yfn] ;+:yfut ;'zf;g ;DaGwL g]kfn
/fi6« a}+s nufot ;DalGwt lgodgsf/L lgsfox¿af6 k|fKt
dfu{ lgb]{zgx¿ pRr k|fyldstfsf ;fy kfngf ub}{ cfPsf]
5 . ljQLo ;+:yfsf] ;'zf;g clej[l4 Pjd\ ;+:yfn] ug]{
sfo{x¿ kf/bzL{ Pjd\ lgod;Ët ug{sf nflu ;~rfns
;ldlt, n]vf k/LIf0f ;ldlt, sd{rf/L ;]jf, ;t{ tyf ;'ljwf
;ldlt / cfGtl/s n]vf k/LIf0f PsfO lqmofzLn /x]sf] 5 .
ljQLo ;+:yfsf] sf/f]af/nfO{ Jojl:yt ug{ cfGtl/s gLlt,
lgod tyf lgb]{zgx¿ th'{df u/L nfu" ul/Psf] 5 . n3'ljQ
ljQLo ;+:yfsf] ;+:yfut ;'zf;g sfod ug{ b]xfoadf]lhdsf
;ef, ;ldlt, pk;ldlt, a}7s / kbflwsf/Lsf] dxTjk"0f{
of]ubfg /x]sf] 5 .
n3'ljQ ljQLo ;+:yfsf] ;jf]{Rr cË ;fwf/0f ;ef xf] .
ljQLo ;+:yfn] :yfkgf b]lv xfn;Dd lgoldt ¿kdf jflif{s
;fwf/0f ;ef ub}{ cfPsf] 5 . ;fwf/0f ;efdf ;a} z]o/
;b:ox¿sf] k|ltlglwTj x'g ;Sg] u/L ;dodf ;"rgf k|jfx
ug]{, ljQLo ;+:yfsf jflif{s ultljlw / of]hgfsf ;DaGwdf
5nkmn ug]{ Pjd\ dxTjk"0f{ lg0f{ox¿ ug]{ s'/fdf jflif{s
;fwf/0f ;ef Hofb} k|efjsf/L /lxcfPsf] 5 .
-v_ ;~rfns ;ldlt
z]o/ ;b:ox¿af6 dgf]gLt / lgjf{lrt k|ltlglwx¿af6 o;
ljQLo ;+:yfsf] ;~rfns ;ldlt u7g x'g] Joj:yf /x]sf] 5 .
;~rfns ;ldltsf] a}7s lgoldt ¿kdf a;L ;+:yfsf] sfo{

26
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
k|ultsf] ;dLIff ug]{, k|rlnt sfg'gx¿, ;+:yfsf] k|aGwkq
/ lgodfjnL, g]kfn /fi6« a}+ssf lgb]{zgx¿, ;d;fdlos
cfly{s÷;fdflhs cj:yf, ahf/ / k|lt:kwL{x¿ ;d]tnfO{
Wofgdf /fvL cfjZos gLltut Joj:yfx¿ ug]{ sfo{df
;~rfns ;ldlt k|lta4 /x]sf] 5 .
ljQLo ;+:yfsf] k|aGwkq / lgodfjnL cg';f/ o; ;+:yfdf
k|j4{s ;d"x -s_ af6 qmdzM s[lif ljsf; a}+s, g]kfn a}+s
ln= Pjd\ glan a}+s ln=sf tkm{{af6 cfnf]kfnf] ! hgf, ;fgf
ls;fg ;xsf/L ;+:yfx¿sf tkm{af6 ! hgf dlxnf ;lxt #
hgf / ;d"x -v_ ;j{;fwf/0f z]o/wgLaf6 lgjf{lrt @ hgf
/ :jtGq ;~rfns ! hgf u/L hDdf & hgfsf] ;~rfns
;ldlt /xg] Joj:yf 5 .
>L v]d axfb'/ kf7ssf] cWoIftf /x]sf] ljQLo ;+:yfsf]
tflnsf–!!M jt{dfg ;~rfns ;ldltsf kbflwsf/Lx¿
-ldlt @)&&÷)(÷!%_
qm;+ Gfd
! >L v]daxfb'/ kf7s cWoIf
@ >L] k|tfk ;'j]bL ;b:o
# >L /ljGb| ofbj ;b:o
$ >L pd]z nD;fn ;b:o
% >L e"k]z 5Ts'nL ;b:o
^ >L rfFbgL 9sfn ;b:o
& >L dx]Gb| k|;fb >]i7 ;b:o
-u_ ;~rfns ;ldlt ;+of]hs /xg] u/L ul7t ;ldltx?M
-c_ n]vf k/LIf0f ;ldlt M
n]vf k/LIf0f ;ldltn] ljQLo ;+:yfsf] cfly{s cj:yfsf]
;dLIff, cfGtl/s lgoGq0f, n]vfk/LIf0f ;DaGwL sfo{qmd
/ n]vfk/LIf0fsf] kl/0ffd ;DaGwdf lj:t[t 5nkmn u/L
Joj:yfkgnfO{ cfjZos lgb]{zg lbg] ub{5 . ljQLo
;+:yfsf] n]vf tyf ljQLo kIfx¿sf] cWoog ug]{, cfGtl/s
n]vfk/LIf0fsf] Joj:yf ldnfpg], cfGtl/s n]vfk/LIf0fsf
s}lkmotx¿ ;'wf/ ug{ nufpg] / ;f]sf] cg'udg ug]{, clGtd
n]vfk/LIf0fsf] Joj:yf ug]{, ;~rfns ;ldltnfO{ cfjZos
lgb]{zg / ;'emfjx¿ lbg] sfo{ ub{5 . ldlt @)&&÷^÷@^
ut] a;]sf] ;~rfns ;ldltsf] #(! cf}F a}7saf6 ;~rfns
;ldlt ;b:o ;+of]hs /xg] u/L b]xfo cg';f/ k'gu{7g
ul/Psf] 5 .
27
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
;~rfns ;ldltdf xfn s[lif ljsf; a}+ssf tkm{af6 >L
k|tfk ;'j]bL, ;fgf ls;fg ;xsf/L ;+:yfx?sf] tkm{af6 >L
v]daxfb'/ kf7s / >L /ljGb| ofbj, ;j{;fwf/0f z]o/wgLsf
tkm{af6 >L pd]z nD;fn / >L e"k]z 5Ts'nL, dlxnfsf]
tkm{af6 >L rfFbgL 9sfn, :jtGq ;~rfns >L dx]Gb| k|;fb
>]i7 u/L & hgf kbflwsf/L /xg' ePsf] 5 .
a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] Joj:yf
cg';f/ Rff6{8{ PsfpG6]G6\ >L pkxf/ /fh l3ld/]]Ho"nfO{
:jtGq ;~rfnssf] ¿kdf lgo'lQm ul/Psf]df lghn] lbg'
ePsf] /flhgfdf ldlt @)&&÷$÷! b]lv nfu' x'g] u/L
:jLs[t ePsf] 5 . ;fy} ldlt @)&&÷(÷* df a;]sf]
;~rfns ;ldltsf] a}7saf6 >L dx]Gb| k|;fb >]i7Ho"nfO{
:jtGq ;~rfnssf] ¿kdf lgo'lQm ul/Psf]5 .
kb k|ltlglwTj u/]sf] ;+:yf
;fgf ls;fg ;xsf/L ;+:yf ln=
s[lif ljsf; a}+s ln=
;fgf ls;fg ;xsf/L ;+:yf ln=
;j{;fwf/0f z]o/wgL
;j{;fwf/0f z]o/wgL
;fgf ls;fg ;xsf/L ;+:yf ln -dlxnf
;~rfns|_
:jtGq ;~rfns
n]vf k/LIf0f ;ldltsf kbflwsf/Lx¿ M
!= >L pd]z nD;fn, ;~rfns ;+of]hs
@= >L k|tfk ;'a]bL, ;~rfns ;b:o
#= >L O{zf s]=;L=,ljefuLo k|d'v ;b:o ;lrj
-cf_ sd{rf/L ;]jf–;'ljwf ;ldlt M
sd{rf/L;]jf–;'ljwf ;ldltn] k|rlnt sfg'g tyf gLlt
lgb]{zgdf plNnlvt Joj:yfx?sf] kfngf x'g] u/L
k|d'v sfo{sf/L clws[t nufot ;Dk"0f{ sd{rf/Lx?sf]
kfl/>lds÷;'ljwfx? j[l4 ug'{ kg]{ b]lvPdf ;f]sf] cfwf/x?
;lxt ;~rfns ;ldltdf l;kmfl/z ug]{ h:tf sfo{x? u/L
;~rfns ;ldltnfO{ cfjZos ;xof]u / ;'emfj k|bfg
ub}{ cfPsf] 5 . ldlt @)&^÷(÷# ut] a;]sf] ;~rfns
;ldltsf] #^# cf}+ a}7saf6 ;~rfns ;ldlt ;b:o ;+of]hs
/xg] u/L k'gu{7g ul/Psf] 5 .
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
sd{rf/L;]jf–;'ljwf ;ldltsf kbflwsf/Lx¿ M -3_ cGo ;ldlt÷pk;ldltx?
!= >L] k|tfk ;'j]bL, ;~rfns ;+of]hs c= C0f ;ldlt M k|d'v sfo{sf/L clws[t 8f= lzj/fd
@= >L e'k]z 5Ts'nL], ;~rfns ;b:o k|;fb sf]O/fnfsf] ;+of]hsTjdf sf=d'= gfoj k|d'v
#= >L rfFbgL 9sfn, ;~rfns ;b:o sfo{sf/L clws[t >L emn]Gb| e§/fO{, d'Vo k|aGwsåo
$= 8f= lzj/fd k|;fb sf]O/fnf, >L s[i0f k|;fb nfld5fg] / >L c~h' kf7s tyf jl/i7
k|d'v sfo{sf/L clws[t ;b:o k|aGws >L lzjxl/ cof{n ;lxtsf] % ;b:oLo C0f
%= >L c~h' kf7s, ljefuLo k|d'v ;b:o ;lrj ;ldlt /x]sf] 5 .

-O_ hf]lvd Joj:yfkg ;ldlt M
hf]lvd Joj:yfkg ;ldltn] ;+:yfsf] Jofj;flos ultljlwdf
lglxt hf]lvdsf] :t/, hf]lvd axg Ifdtf, hf]lvd
Joj:yfkgsf] nflu ePsf /0fgLlt, gLltut Joj:yf,
;DefJo hf]lvdx¿ ljZn]if0f u/L kf]6{kmf]lnof] cWoog
Pjd\ jt{dfg / ;DefJo hf]lvdx¿ cg'udg ljZn]if0f
tyf lgoGq0f ug]{ sfo{ s]–s;/L eO/x]sf] 5 ;f] ;DaGwdf
5nkmn u/L ;~rfns ;ldltdf cfjZos ;'emfj k]z ug]{
sfo{ ul/b} cfPsf] 5 .
hf]lvd Joj:yfkg ;ldlt kbflwsf/Lx? M
!= >L e'k]z 5Ts'nL, ;~rfns ;+of]hs
@= >L pd]z nD;fn, ;~rfns ;b:o
#= >L s[i0f k|;fb nfld5fg], ljefuLo k|d'v ;b:o ;lrj
-O{_ ;DklQ z'l4s/0f cg'udg ;ldltM
;DklQ z'4Ls/0f -dlg nfpG8l/ª_ lgjf/0f P]g, @)^$
n] tf]s] adf]lhdsf] ;DklQ z'4Ls/0f -dlg nfpG8l/ª_
lgjf/0f ;DjGwdf ljQLo ;+:yfsf] sfo{k|s[lt adf]lhd]
;fem]bf/ ;+:yfsf] sf/f]af/sf] cg'udg ug]{ k|lqmof / hf]lvd
Joj:yfkg ;DaGwL k|lqmof h:tf ljifodf s]lGb|t eO{
sfo{ljlw tof/ u/L ;fem]bf/ ;+:yfx?df cg'udg ug]{ sfo{
ub}{ cfPsf] 5 .
ldlt @)&^÷(÷# ut] a;]sf] ;~rfns ;ldltsf] #^#
cf}+ a}7saf6 ;~rfns ;ldlt ;b:o ;+of]hs /xg] u/L
k'g/u7g ul/Psf] 5 .
;DklQ z'l4s/0f cg'udg ;ldltsf kbflwsf/Lx¿ M
!= >L /ljGb| ofbj, ;~rfns ;+of]hs
@= >L] k|tfk ;'j]bL, ;~rfns ;b:o
#= 8f= lzj/fd k|;fb sf]O/fnf,
k|d'v sfo{sf/L clws[t ;b:o
$= >L s[i0f k|;fb nfld5fg],
ljefuLo k|d'v ;b:o
%= >L c~h' kf7s, ljefuLo k|d'v ;b:o ;lrj
28
cf= kbk"lt{ ;ldltM gfoj k|d'v sfo{sf/L clws[t 8f=
gj/fh l;Dv8fsf] ;+of]hsTjdf >L ldq ltldl;gf, >L
gf/fo0f k|;fb cfrfo{, 8f= ljgo s'df/ s';}ot, d'Vo
k|aGws >L c~h' kf7s ;b:o ;lrj /x]sf] % ;b:oLo
sd{rf/L egf{ tyf 5gf}6 ;ldltn] /x]sf] 5 .
&=# cfGtl/s lgoGq0f k|0ffnL
-s_ gLlt lgod M
a}+s tyf ljQLo ;+:Yff;DaGwL P]g @)&#, sDkgL P]g
@)^# tyf k|rlnt sfg'gx¿ / g]kfn /fi6« a}+sn] ljleGg
;dodf hf/L ug]{ lgb]{zg Pjd\ kl/kqx¿sf] cwLgdf /xL
ljQLo ;+:yfn] cfˆgf Jofj;flos sf/f]af/x¿ ;~rfng
ub{5 . ;fwf/0f ;efsf] lgb]{zg Pjd\ ;~rfns ;ldltsf
lg0f{ox¿af6 ;+:yfsf lqmofsnfkx¿ lgb]{lzt x'g] ub{5g\ .
ljQLo ;+:yfsf] k|aGwkq, lgodfjnL, n]vf lbUbz{g @)%(,
shf{ gLlt @)^@, sd{rf/L ;]jf ljlgodfjnL @)^@, cfly{s
k|zf;g ljlgodfjnL @)&$, shf{ ckn]vg ljlgodfjnL
@)^@, h:tf gLlt tyf sfo{ljlw lgb]{zg cflbsf clwgdf
/xL ljQLo ;+:yfsf sfo{x¿ ;~rfng x'g] ub{5g\ .
-v_ ;'zf;gsfnflu cGo k|aGwg
c= cfGtl/s n]vfk/LIf0f tyf lg/LIf0f PsfO M
n3'ljQ ljQLo ;+:ydf n]vfk/LIf0f ;ldltsf]
lgb]{zgdf /xg] u/L cfGtl/s n]vfk/LIf0f tyf
lg/LIf0f zfvf /x]sf] 5 . o; zfvfn] dftxtsf
;a} sfof{nox¿sf] lgoldt ¿kdf cfGtl/s
n]vfk/LIf0f ub{5 eg] shf{ sf/f]af/ ug]{ u|fxs
;+:yfx¿sf] :oflDKnª u/L lg/LIf0f / cg'udg
sfo{nfO{ ;~rfng ub{5 .
cf= clGtd n]vfk/LIf0f M
ljQLo ;+:yfn] k|To]s cfly{s jif{sf] rf6{8
PsfpG6]G6\;af6 :jtGq ¿kdf clGtd n]vfk/LIf0f
u/fpg] ub{5 . cf=j=@)&%÷&^ sf] n]vf k/LIf0f >L
vu]Gb| e§/fO{, vu]Gb| P08 P;f]l;P6\; sDkgL rf6{8{
PsfpG6]G6;\af6 ;DkGg ePsf] 5 .
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
O= sd{rf/L a}7sM
k|d'v sfo{sf/L clws[tsf] cWoIftfdf sd{rf/Lx¿sf]
a}7s a;L ;xeflutfd"ns ljlwaf6 5nkmn u/L
lg0f{o ug]{ k4lt /x]sf] 5 . a}7sdf ljQLo ;+:yfsf]
p2]Zo xfl;n ug{ ;~rfng ul/Psf ljleGg
sfo{qmdx¿sf] k|ultsf] ;dLIff ub}{ cfufdL lbgdf
cem k|efjsf/L / ;xh ¿kdf sfd–sf/jfxLx¿
;~rfng ug{ ckgfOg] /0fgLltx¿ th'{df ul/G5 .
O{= k|d'v sfo{sf/L clws[tM
ljQLo ;+:yfsf] b}lgs sfo{;~rfng, of]hgf
th'{df, ;|f]t Joj:yfkg, cfGtl/s lgoGq0f, ;dGjo
/ ;DaGw ljsf; h:tf ofjt\ sfo{x¿ k|d'v
sfo{sf/L clws[taf6 x'g] Joj:yf ul/Psf] 5 .
k|d'v sfo{sf/L clws[t cGtu{t ljleGg ljefu
/ Onfsf sfof{nox¿n] Jofj;flos ultljlw
;~rfng ub{5g\ . k|d'v sfo{sf/L clws[tsf]
Joj:yfksLo If]qdf nfdf] cg'ej, Jofj;flos
bIftf, cGt/j}olQms Ifdtf, b"/b[li6 / s'zn
Joj:yfkgn] ;+:yfsf] k|ultdf dxTjk"0f{ e"ldsf
v]ns] f] 5 .
p= sd{rf/L sfo{ ljj/0f (Job Description) :
sd{rf/Lx¿df :ki6 sfo{ljefhg, sfo{;Dkfbg
d"NofÍg k4lt, clwsf/ / lhDd]jf/L k|bfg, plrt
;]jf–;'ljwf cflb sf/0fn] ubf{ pRr dgf]ansf ;fy
sfd ug]{ jftfj/0f sfod /x]sf] 5 .
tflnsf – !@ M b/aGbL Pj sfo{/t sd{rf/L ;ª\Vof
qm= ;+= ;]jf k|sf/
dlxnf
1 :yfoL sd{rf/L 18
2 s/f/ ;]jfsf sd{rf/L 1 11
3 b}lgs Hofnfbf/Ldf sfo{/t sd{rf/L 2 0
s'n hDdf M 21
-@)&& d+l;/ d;fGt ;Ddsf] ljj/0fsf] cfwf/df_
cf= egf{ / ljsf;M
o; ljQLo ;+:yfdf sfdsf] rfk nfO{ dWogh/
u/L cfjZos sd{rf/Lx?sf] b/jGbL ;[hgf ug{]
tyf pko'Qm ljlwsf] cfwf/df 5gf}6 ug{] k|s[ofnfO{
cuf8L a9fOPsf] 5 . k|s[of k'/f u/L egf{ ePsf
sd{rf/LnfO{ pko'Qm :yfgdf kb:yfkg ug{] tyf
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
pm= jflif{s÷cw{jflif{s ;dLIffuf]i7LM
ljQLo ;+:yfn] lgoldt ¿kdf s]Gb|Lo / Onfsf
sfof{no;lxtsf] jflif{s / cw{jflif{s k|ult ;dLIff
/ sfo{qmd tyf ah]6 th'{dfuf]i7Lsf] cfof]hgf
ub}{ cfPsf] 5 . To;} u/L cfa4 ;xsf/L ;+:yfsf
k|lt;+:yf sDtLdf @ hgf cflwsfl/s k|ltlglwx¿sf]
;xeflutfdf s]Gb|Lo sfof{nosf] cfof]hgfdf jflif{s
¿kdf k|ult ;dLIff tyf /0fgLlt th'{dfuf]i7L /
Onfsf sfof{nosf] cfof]hgfdf cw{jflif{s ;dLIff
/ sfo{qmd tyf ah]6 th'{dfuf]i7L cfof]hgf ub}{
cfPsf] 5 .
-u_ dfgj ;+;fwg
c= b/aGbLM
o; ljQLo ;+:yfdf sfo{/t sd{rf/Lx¿ /
Joj:yfkgaLrsf] ;f}xfb|{k"0f{ ;DaGw / sd{rf/Lx¿sf]
lhDd]jf/L / pQ/bfloTjk|ltsf] nufjn] ubf{
;ª\VofTds ¿kdf yf]/} sd{rf/L /x] tfklg 5f]6f]
cjlwdf g} ;+:yfn] dxTjk"0f{ pknlAw xfl;n
ug{ ;s]sf] xf] . ljQLo ;+:yfn] sd{rf/Lx¿nfO{
k|ltli7t z}lIfs ;+:yfdf cWoogsf] cj;/ lbg],
/fli6«o–cGt/f{li6«o tflnd tyf uf]i7Lx¿df ;xefuL
u/fpg] cflb h:tf j[lQ ljsf;sf cj;/x¿ k|bfg
ug]{ u/]sf] 5 . ljQLo ;+:yfdf !)@ :yfoL ;d]t
s'n !!$ b/aGbL /x]sf]df k|d'v sfo{sf/L clws[t
;lxt *@ :yfoL ;d]t u/L hDdf (^ hgf sd{rf/L
sfo{/t 5g\ .
sfo{/t sd{rf/L ;ª\Vof )&&÷&* sf] b/aGbL
k'?if hDdf
64 82 102
12 12
2 -
75 96 114
j[lQ ljsf;sf nfuL ljleGg tflnd, uf]li7 tyf
;]dLgf/x?df ;xefuL u/fpg] s'/fdf Joj:yfkg ;w}
nfuLk/]sf] 5 . o;sf ;fy} kbf]Gglt tyf ;?jfsf]
k|s[of klg lgodfjnL cg'?k cuf8L jl9/x]sf] 5 .
O= kfl/>lds / ;'ljwfM
ljQLo ;+:yfdf sfo{/t sd{rf/Lx?nfO{ ;+:yfn]
29
!( cf}+
jflif{s k|ltj]bg
@)&^÷&&
pknAw u/fpb} cfPsf] kfl/>lds / ;'ljwf cGtu{t
dfl;s tnj, eQfsf cltl/Qm bz}+ vr{, cf}iflw vr{
tyf jflif{sf]T;jdf Ps dlxgf a/fa/sf] tnj tyf
lgoldt ¿kdf af]g; ;'ljwf cflb pknAw u/fpFb}
cfPsf] 5 .
O{= ljQLo ;+:yf Joj:yfkgM
o; ljQLo ;+:yfsf] b}lgs tyf k|zf;lgs sfo{
;~rfngfy{ k|d'v sfo{sf/L clws[t, b'O{ hgf
gfoj k|d'v sfo{sf/L clws[t tyf tLghgf d'Vo
k|aGws ;lxtsf] Joj:yfkg ;d"x 5 . ;fy} ljleGg
zfvf tyf PsfO{x?df cfjZostf cg';f/sf jl/i7
k|aGws, k|aGws, clws[t tyf ;xfos sd{rf/Lx?
lgo'lQm eO{ k|efjsf/L ¿kdf sfo{x? ;~rfng
ePsf 5g\ .
p= ljQLo ;+:yfsf sfof{nox? M
ljQLo ;+:yfsf] sf7df8f}+df Ps s]Gb|Lo sfof{no
;lxt ljleGg ef}uf]lns If]q ;ldl6g] u/L !! j6f
Onfsf sfof{nox? dfkm{t ljQLo ;+:yfaf6 ljQLo
tyf u}X ljQLo ;]jf÷k|ljlws ;xof]u pknAw
u/fpg] Joj:yf ul/Psf] 5 . ;fem]bf/ ;+:yfx?nfO{
;xh¿kdf ;]jf÷;xof]u pknAw u/fpg latf{df]8
-emfkf_, O6x/L -;'g;/L_, alb{jf; -dxf]Q/L_,
x]6f}+8f -dsjfgk'/_, uh'/L -wflbª_, ag]kf -sfe|]_,
a'6jn -?kGb]xL_, kf]v/f -sf:sL_, g]kfnu~h
-afFs]_, jL/]Gb|gu/ -;'v{]t_ / cQl/of -s}nfnL_ df
Onfsf sfof{nox? :yfkgf ePsf 5g\ . Onfsf
sfof{nox?n] cfˆgf] sfo{If]q cGtu{tsf ;fgf
ls;fg ;xsf/L ;+:yf nufot cGo ;xsf/L Pjd\
n3'ljQ ;+:yfx?nfO{ yf]s shf{, u}x|ljQLo ;]jf
Pjd\ cGo k|fljlws ;xof]u k|bfg ub}{ cfPsf 5g\ .
-u_ ;Ddfg / k'/:sf/M
-!_ ;fgf ls;fgsf] :jfldTj / ;fgf ls;fg af6} ;~rfng
tyf Joj:yfkg eO{ clt Go"g lz/f]ef/ vr{df u|fdL0f
ul/asf] lhjg:t/ ;'wf/df ;xof]u ug]{ ;fgf ls;fg
;xsf/L ;+:yf h:tf] u|fdL0f n3'ljQ ;+:yfsf] gd"gf
(Model) / o;sf] e"ldsfnfO{ sb/ ub}{ ljZj a}+s
cGt{utsf] Consultative Group to Assist the Poor
(CGAP) / s[lif ljsf;sf nflu cGt/f{li6«o sf]if
30
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
(International Fund for Agriculture Development,
IFAD) af6 o; a}+s ;g\ @))# df k'/:s[t ePsf]
5 . pQm %) xhf/ cd]l/sL 8n/ /flzsf]k'/:sf/
/sdnfO{ cIfo sf]ifdf /flv ;f] sf] kl/rfngaf6
cg';/0f sfo{qmd ;~rfng u/fO{ yk ljkGg ju{nfO{
n3'ljQ ;]jfsf] kx'Frdf Nofpg] sfo{ o; ljQLo
;+:yfaf6 x'Fb} cfPsf] 5 .
-@_ 2nd Newbiz BusinessConclave and Awards–2014
sf tkm{af6 ljt/0f x'g] Best Managed Micronace
Company of the Year af6 of] n3'ljQ ljQLo ;+:yf
;Ddflgt ePsf] 5 .
-3_ wGojfb 1fkg M
cGTodf, d ;~rfns ;ldltsf] tkm{af6 o; ljQLo ;+:yfsf]
k|ult tyf ;d[l4sf nflu lg/Gt/ ;xof]u, ;'emfj lbO/xg'
ePsf xfd|f ;Dk"0f{ ;+:yfks z]o/wgL tyf ;j{;fwf/0f
z]o/wgL dxfg'efjx?, ;fem]bf/ ;+:yfx?, z'elrGtsx?
tyf ljQLo ;+:yfsf] pQ/f]Q/ ljsf;sf nflu cxf]/fq
vl6g'ePsf nugzLn ;a} sd{rf/Lx?nfO{ xflb{s wGojfb
lbg rfxG5' . ldlt @)&^÷#÷# b]lv @)&&÷$÷! ;Dd o;
ljQLo ;+:yfsf] :jtGq ;~rfns kbdf /xL k'¥ofpg' ePsf]
of]ubfgsf nflu >L pkxf/ /fh l3ld/]nfO{ wGojfb 1fkg
ub{5' . ljQLo ;+:yfsf] k|ultsf] nflu lg/Gt/ dfu{bz{g ug{]
g]kfn /fi6« a}+s, g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf]
sfof{no nufot ;Dk"0f{ ;DalGwt ;/sf/L lgsfox?, /fli6«o
tyf cGt/f{li6«o ;xof]uL ;+:yfx? k|lt s[t1tf JoQm ub{5' .
o; ljQLo ;+:yfsf] gljg sfo{qmd / pknAwLnfO{ ;sf/fTds
¿kdf hg;dIf k'¥ofpg ;xof]u ug{] ;~rf/ dfWod /
k|ToIf÷ck|ToIf ¿kdf ;+:yfsf] k|ultdf ;xof]u ug'{x'g]
;Dk"0f{ z'e]R5'sx? k|lt cfef/ k|s6 ub{5' . o; ul/dfdo
;efdf k|:t't ul/Psf ;a} ;fwf/0f tyf ljz]if k|:tfjx?df
5nkmn u/L kfl/t ul/lbgsf nflu z]o/wgL dxfg'efjx?df
xflb{s cg'/f]w ub}{ cfufdL lbgx?df klg ;a} If]qaf6 ljQLo
;+:yfsf] k|ultsf nflu cem a9L ;xof]u, :g]x tyf ;b\efj
k|fKt x'g] cfzf ub{5' .
wGojfb .
v]d axfb'/ kf7s
cWoIf
/ ;Dk"0f{ ;~rfns ;ldlt
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

;~rfns ;ldltsf] k|ltj]bg
-sDkgL P]g,@)^# sf] bkmf !)(-$_ ;Fu ;DalGwt cltl/Qm ljj/0f_
-s_ ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg
!( cf}F jflif{s k|ult k|ltj]bg k':tssf] d'n v08df ;dfj]z 5 .
-v_ /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]af/nfO{ s'g} c;/ k/]sf] eP ;f] c;/
!( cf}F jflif{s k|ult k|ltj]bg k':tssf] d'n v08df ;dfj]z 5 .
-u_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn' jif{sf] pknlAw / eljiodf ug'{kg]{ s'/fsf ;DaGwdf ;~rfns ;ldltsf] wf/0ff
cf=j=@)&^÷&& sf] c;f]h d;fGtdf cfos/ / jf]g; Joj:yf kl5sf] gfkmf ?= !# s/f]8 &* nfv /x]sf]df rfn'
cf=j= @)&&÷&* sf] c;f]h d;fGtdf ?= !$ s/f]8 #) xhf/ x'g uPsf] 5 . @)&^ sf] c;f]hdf v'b shf{ tyf ;fk6
?= ?= !( ca{ @) s/f]8 ^@ nfv /x]sf]df @)&& ;fn c;f]h d;fGt ;Dddf ?= !* ca{ &( s/f]8 &) nfv k'u]sf]
5 . @)&^ c;f]hdf s'n lgliqmo shf{sf] )=)( k|ltzt /x]sf]df @)&& ;fn c;f]h d;fGtdf )=(( k|ltzt ePsf]]
5 . eljiodf ug'{kg]{ s'/fx¿sf ;DaGwdf !( cf}F jflif{s k|ult k|ltj]bg k':tssf] d'n v08df pNn]v ul/Psf] 5 .
-3_ sDkgLsf] cf}Bf]lus jf Jofj;flos ;DaGw
!( cf}F jflif{s k|ult k|ltj]bg k':tssf] d'n v08df ;dfj]z 5 .
-ª_ ;~rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0f
!( cf}F jflif{s k|ult k|ltj]bg k':tssf] d'n v08df ;dfj]z 5 .
-r_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx¿
o; ljQLo ;+:yfsf] sf/f]af/df c;/ kfg]{ d'Vo hf]lvdsf ¿kdf b]xfosf s'/fx¿nfO{ lnOPsf] 5 M–
;fem]bf/ s]xL ;fgf ls;fg ;xsf/L ;+:yf ln= x¿df alnof] ¿kdf ;'zf;gsf] cj:yf sfod /fVg g;s]df jf ;~rfns
Pjd\ sd{rf/Lx¿df k"0f{ ¿kdf k];fut bIftf Pjd\ cg'ejsf] cefj /x]df pTkGg x'g ;Sg] hf]lvdx¿,
 k'FhLahf/df cfpg ;Sg] ptf/r9fjaf6 o; ljQLo ;+:yfnfO{ k|fKt x'g] shf{ / ;f]sf] Aofhb/df a[l4 x'g ;Sg]
hf]lvdx¿,
 n3'ljQ ahf/sf] ;d:ofsf ¿kdf /x]sf] ljQLo ;|f]tsf] ckof{Kttf, ljgflwtf] shf{ k|afx, shf{ cg'udgdf sdL cflb
sf/0fn] b]vfkg]{ hf]lvdx¿,
 n3'shf{sf ;DaGwdf x'g] cgfjZos / gsf/fTds k|rf/sf sf/0f shf{ nufgL tyf c;'nLdf pTkGg x'g] hf]lvdx¿,
 b]zsf] cfly{s cj:yfdf cfpg] kl/jt{gaf6 kg{ ;Sg] hf]lvdx¿,
 lgodg lgsfox¿af6 ;do–;dodf gLlt–lgoddf ePsf] abnfjsf sf/0faf6 x'g ;Sg] ;Defljt hf]lvdx¿,
 n3'ljQ If]qdf bIf hgzlQm cfsif{0f / l/6]G;g;DaGwL hf]lvd .
-5_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f]pk/ ;~rfns ;ldltsf] k|ltlqmof
!= n]vfk/LIfssf] k|f/lDes n]vfk/LIf0f k|ltj]bgdf pNn]v ePsf s}lkmotx¿ Kf|To]s jif{df ;'wf/ ul/Fb} cfPsf] 5 .
o; n3'ljQ ljQLo ;+:yfsf] lgoldt sf/f]af/df b]lvPsf] ;fdfGo s}lkmotx? af]xs n]vfk/LIf0f k|ltj]bgdf s'g}
vf; pNn]vgLo l6Kk0fL /x]sf] 5}g . n]vfk/LIfsn] cf}NofPsf clws+fz s}lkmotx? ;'wf/ ul/;lsPsf] / afFsL
s}lkmotx? ;'wf/ x'g] s|ddf /x]sf 5g\ .
@= g]kfn /fi6« a}+saf6 Ohfhtkqk|fKt …3Ú ju{sf n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{zg, @)&& sf]
lgb]{zg g+= $÷)&& sf] a'Fbf g+=$=! -h_ -cf_ adf]lhd Ohfhtk|fKt n3'ljQ ljQLo ;+:yfn] u|fxs ;+/If0f sf]ifdf
cl3Nnf] cfly{s jif{sf] gfkmfaf6 hDdf x'g] /sdsf] Go'gtd\ krf; k|ltzt\ /sd kl5Nnf] cfly{s jif{df vr{ ug'{kg]{
31
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
Joj:yf adf]lhd vr{ gug'{sf] sf/0f ;f]wL vr{ gePsf] /sdnfO{ Earmark u/L 5'§} nufgL ug]{ Joj:yf ug{
lgb]{zg eP adf]lhd ;f] sf]ifdf /x]sf] /sdnfO{ Earmark u/L 5'§} nufgL ul/Psf] 5 . ;fy}, ;+:yfsf] cfGtl/s
tyf afXo n]vfk/LIf0fsf ;fy} g]kfn /fi6« a}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0f k|ltj]bgdf
cf}FNofOPsf s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug{ ;d]t lgb]{zg ePsf] 5 .
-h_ nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd
;~rfns ;ldltaf6 rfn' cf=j= @)&^÷&& sf] v'b d'gfkmf ?= %% s/f]8 ^@ nfv dWo] z]o/wgLx?nfO{ r'Qmf k'FhL
?= 1,00,02,29,425/66 sf] @% k|ltztn] x'g] ?= 25,00,57,356/42 a/fa/sf] af]g; z]o/ / af]g; z]o/sf] s/
k|of]hgsf] nflu r'Qmf kF'hLsf] !=#!%&*($&$ k|ltztn] x'g] gub nfef+z ?= 1,31,60,913/50 u/L s'n hDdf ?=
26,32,18,269/92 a/fa/sf] d'gfkmf ljt/0f ug{ Pjd\ k|bfg ul/g] af]g; z]o/ u0fgf ubf{ ˆ|ofS;gdf cfpg] cÍnfO{
cfufdL jif{x?df qmdzM k"0ff{Í gk'u];Dd ;DalGwt s} gfddf ;+lrtL /fVg] Joj:yf ldnfpg k|:tfj ul/Psf] 5 .
-em_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/;ª\Vof, To:tf] z]o/sf] cl°t d"No, To:tf] z]o/ hkmt x'g'eGbf cufj} ;f]afkt
sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ laqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt
ePsf] z]o/afkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0f
s'g} klg z]o/ hkmt ePsf] 5}g .
-`_ ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf] cGtdf /x]sf] l:yltsf]
k'g/fjnf]sg
o; sDkgLsf] s'g} klg ;xfos sDkgL 5}g .
-6_ sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]af/x¿ / ;f] cjlwdf sDkgLsf] sf/f]af/df
cfPsf] s'g} dxTjk"0f{ kl/jt{g
o; sDkgLsf] s'g} klg ;xfos sDkgL 5}g . ;fy}, o; sDkgLdf ;~rfns ;ldltsf] k|ltj]bgdf pNn]v u/]afx]s
s'g} dxTjk"0f{ kl/jt{g ePsf] 5}g .
-7_ ljut cfly{s jif{df sDkgLsf cfwf/e"t z]o/wgLx¿n] sDkgLnfO{ pknAw u/fPsf] hfgsf/L
o; k|sf/sf] s'g} klg hfgsf/L cfwf/e"t z]o/wgLx¿af6 k|fKt ePsf] 5}g .
-8_ ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx¿n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / sDkgLsf] z]o/
sf/f]af/df lghx¿ ;+nUg /x]sf] eP ;f] ;DaGwdf lghx¿af6 sDkgLn] k|fKt u/]sf] hfgsf/L
o; sDkgLsf k|jw{s z]o/wgLx¿sf tkm{af6 k|ltlglwTj ug]{ ;~rfnsx¿ ;+:yfut ¿kdf k|ltlglw eO{ cfPsf] x'Fbf
JolQmut ¿kdf o; ljQLo ;+:yfsf] z]o/ vl/b u/]sf] 5}g .
;j{;fwf/0f z]o/wgLsf tkm{af6 lgjf{lrt ;~rfns / Jofj;flosx¿sf gfddf o; ;+:yfsf] b]xfocg';f/sf] z]o/
/x]sf] b]lvG5 —
qm;+= z]o/wgLsf] gfd z]o/wgL g+= z]o/ lsQf ;ª\Vof
! >L pd]z nD;fn !#)!!*))))))$))^ &!!!
@ >L e'k]z 5Ts'nL !#)!!*))))))^^&( $##
-9_ ljut cfly{s jif{df sDkgL;Fu ;DalGwt ;Demf}tfx¿df s'g} ;~rfns tyf glhssf] gft]bf/sf] JolQmut :jfy{sf af/]df
pknAw u/fOPsf] hfgsf/Lsf] Aoxf]/f
o; k|sf/sf] s'g} ;Demf}tf ePsf] hfgsf/L k|fKt ePsf] 5}g .
-0f_ sDkgLn] cfˆgf] z]o/ cfkm}Fn] vl/b u/]sf] eP To;/L cfgf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;ª\Vof / cl°t d"No
tyf To;/L z]o/ vl/b u/]afkt sDkgLn] e'QmfgL u/]sf] /sd
sDkgLn] cfˆgf] z]o/ cfkm}Fn] vl/b u/]sf] 5}g .
32
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

-t_ cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0f

;~rfns ;ldltsf] k|ltj]bgdf k|:t't 5 .
-y_ ljut cfly{s jif{sf] s"n Joj:yfkg vr{sf] ljj/0f
sd{rf/L vr{ ?= 8,23,08,719/47
sfof{no ;~rfng vr{ – ?= 5,27,03,581/34
hDdf ?= 13,50,12,300/81
-b_ n]vfk/LIf0f ;ldltsf ;b:ox¿sf] gfdfjnL, lghx¿n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn] u/]sf] sfd
sf/afxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f]sf] ljj/0f
o; sDkgLdf u}/sfo{sf/L ;~rfns >L pd]z nD;fnsf] ;+of]hsTjdf tn tflnsfdf pNn]v u/]cg';f/sf] tLg
;b:oLo n]vfk/LIf0f ;ldlt /x]sf] 5 . o; ;ldltn] sDkgL P]g, @)^# sf] bkmf !&% df tf]lsP adf]lhdsf sfo{x¿
ug]{, g]kfn /fi6« a}+såf/f hf/L lgb]{zgdf n]vfk/LIf0f ;ldltn] ug'{kg]{ egL pNn]v u/]sf sfo{x¿ ug]{, n]vfk/LIfsn]
lbPsf] k|ltj]bgpk/ bkmfjf/ cWoog u/L ;~rfns ;ldltnfO{ k|ltj]bg;lxt ;'emfj / Joj:yfkgnfO{ lgb]{zg lbg]
Pjd\ cfGtl/s lgoGq0f k|0ffnLsf] ;'b[9Ls/0fsf nflu cg'udg, lg/LIf0f / ;'emfj k|bfg ug]{ h:tf sfo{x¿ ug]{ ub{5 .
o; ;ldltn] ;DklQsf] shf{sf] u'0f:t/ clej[l4 ug]{, k'/fgf lx;fax¿ km/kmf/s ug]{ cflbnufotsf dxTjk"0f{
;'emfjx¿;lxtsf] k|ltj]bg ;~rfns ;ldltdf k]; u/]sf] / ;~rfns ;ldltn] ;f]sf] k|efjsf/L sfof{Gjogsf nflu
Joj:yfkgnfO{ lgb]{zg lbPsf] 5 .
n]vfk/LIf0f ;ldltsf kbflwsf/Lx¿sf] gfdfjnL tyf ;'ljwf
gfd kb ;'ljwf
>L pd]z nD;fn ;+of]hs k|lt a}7s eQf ?= ^,))).–
>L k|tfk ;'j]bL ;b:o k|lt a}7s eQf ?= ^,))).–
>L O{zf s]=;L ;b:o ;lrj k|lt a}7s eQf ?= @,))).–
-w_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhsf gft]bf/ jf lgh ;+nUg /x]sf]
kmd{, sDkgL jf ;·l7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f
;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg
/x]sf] kmd{, sDkgL jf ;Ël7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL 5}g .
-g_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx¿nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sd
;~rfnsx¿nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sd M
 ;~rfns ;ldltsf] a}7sdf efu lnP afkt k|lt a}7s ?= ^,)))÷– dfq eQf
 ;~rf/ ;'ljwf M cWoIfnfO{ k|lt dlxgf ?=#,))).– / cGo ;~rfnsnfO{ k|lt dlxgf k|lt JolQm ?=@,))).– dfq .
 kqklqsf jfkt M cWoIfnfO{ k|lt dlxgf ?=!,))).– / cGo ;~rfnsnfO{ k|lt dlxgf k|lt JolQm ?=%)).– dfq .
 sf7df8f}F aflx/af6 k|ltlglwTj ug]{ ;~rfnsnfO{ ;ldltsf] a}7sdf efu lng cfpFbf Psd':6 :yfgLo kl/jxg
tyf e}kl/ cfpg] vr{ ?= @,%))÷–
 sf7df8f}F pkTosfleq jf6 k|ltlglwTj ug]{ ;~rfnsnfO{ ;ldltsf] a}7sdf efu lng cfpFbf Psd':6 :yfgLo
kl/jxg tyf e}kl/ cfpg] vr{ ?= @,)))÷–
 ;~rfnsx¿n] sDkgLsf] sfdsf] l;nl;nfdf e|d0f ubf{ b}lgs eQf ?= @,%))÷–
 sDkgLsf] sfdsf] l;nl;nfdf xjfOhxfhaf6 ofqf u/]df xjfOhxfhdf nfu] adf]lhdsf] l6s6 vr{ / xjfOhxfhsf]
;'ljwf pkef]u gu/L a;af6 ofqf u/]df a;ef8fsf] bf]Aa/sf b/n] e|d0f eQf pknAw x'g] . sf7df8f}F pkTosfaflx/
h'g;'s} 7fpFaf6 a;af6 ofqf u/L ;~rfns ;ldltsf] a}7sdf efu lng cfpg] ;~rfnsnfO{ a;ef8fsf] bf]Aa/sf
b/n] e|d0f eQf pknAw x'g] .

33
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

k|d'v sfo{sf/L clws[t 8f= lzj/fd k|;fb sf]O/fnfnfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sd
 dfl;s kfl/>lds ?= @,@),^^)÷–
 6]lnkmf]g vr{afkt dfl;s ?= @,%))÷–
 bz}+ vr{, a}+s lbj; eQf tyf cf}iflw vr{ k|To]s ! dlxgfsf] kfl/>lds a/fa/, kf]zfs vr{ ?= !*,)))÷– /
lgodfg';f/ af]g; u/L jflif{s hDdf ?= $$,&(,())÷–
 sfof{no cfpFbf–hfFbf uf8Lsf] ;'ljwf /x]sf] .

-k_ z]o/wgLx¿n] a'lemlng afFsL /x]sf] nfef+zsf] /sd nufgLstf{ ;+/If0f sf]ifsf] gfddf /sd 6«fG;km/ ul/Psf] .
!@ cf}F / !# cf}F ;fwf/0f;efaf6 cf=j= @)^(÷&) / @)&)÷&! sf] d'gfkmfaf6 ljt/0f ug{ :jLs[t nfef+z dWo] %
jif{ k'lu;Sbf klg s]xL z]o/wgL dxfgefjx? pQm /sd lng gcfpg'ePsf]n] sDkgL P]g, @)^# sf] bkmf !*@ sf]
pkbkmf -(_ adf]lhd nfef+z ljt/0f ug]{ ljifodf sDkgLsf] ;fwf/0f ;efn] lg0f{o u/]sf] ldltn] kfFr jif{sf] cjlw
;dfKt ePkl5 klg s'g} z]o/wgLn] a'lem glnPsf] nfef+zsf] /sd bkmf !*# adf]lhd :yfkgf x'g] nufgLstf{ ;+/If0f
sf]ifdf hDdf ug'{ kg]{5 eGg] Joj:yf adf]lhd nufgLstf{ ;+/If0f sf]if Joj:yfkg tyf ;~rfng sfo{ljlw, @)&# sf]
bkmf & -#_ n] Joj:yf u/] cg';f/ pQm /sd nufgLstf{ ;+/If0f sf]ifsf] vftfdf hDdf eO{;s]sf] 5 .
cf=j= z]o/wgL e'QmfgL glnPsf] nfef+z /sd
@)^(÷&) *^* !,!%,()) ÷–
@)&)÷&! $,!$* !),$*,)@) ÷–
-km_ bkmf !$! adf]lhd ;DklQ vl/b jf laqmL u/]sf s'/fsf] ljj/0f
o; k|sf/sf] ;DklQ vl/b jf laqmL gePsf] .
-a_ bkmf !&% adf]lhd ;Da4 sDkgLaLr ePsf] sf/f]af/sf] ljj/0f
o; k|sf/sf] sf/f]af/ gePsf] .
-e_ o; P]g tyf k|rlnt sfg'gadf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g} s'/f cfjZos ;Dk"0f{ dxTjk"0f{
s'/fx¿ ;~rfns ;ldltsf] k|ltj]bgdf v'nfOPsf] 5 .
-d_ cGo cfjZos s'/fx¿
g/x]sf] .
ldlt M @)&&÷(÷^

;~rfns ;ldlt,
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

34
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

-lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] lgod @^ sf] pklgod -@_ ;Fu ;DalGwt_

jflif{s k|ltj]bgdf ;dfj]z ug'{kg]{ ljj/0f

!= ;~rfns ;ldltsf] k|ltj]bg M o;} !( cf}F jflif{s k|ltj]bg @)&^÷&& df ;+nUg .
@= n]vfk/LIfssf] k|ltj]bg M o;} !( cf}F jflif{s k|ltj]bg @)&^÷&& df ;+nUg .
#= n]vfk/LIf0f ePsf] ljQLo ljj/0f M o;} !( cf}F jflif{s k|ltj]bg @)&^÷&& df ;+nUg .
$= sfg'gL sf/afxL ;DaGwL ljj/0f
b]xfo cg';f/sf] s'g} klg d'2f bfo/ gePsf] M
-s_ q}dfl;s cjlwdf ;+ul7t ;+:yfn] jf ;+:yfsf] lj?¢ s'g} d'2f bfo/ gePsf] .
-v_ ;+ul7t ;+:yfsf] ;+:yfks jf ;~rfnsn] jf ;+:yfks jf ;~rfnssf] lj?¢df k|rlnt lgodsf] cj1f jf kmf}Hbf/L
ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ gePsf] .
-u_ s'g} ;+:yfks jf ;~rfns lj?¢ cfly{s ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ gePsf] .
%= ;+ul7t ;+:yfsf] z]o/ sf/f]af/ tyf k|ultsf] ljZn]if0f
-s_ lwtf]kq ahf/df ePsf] ;+ul7t ;+:yfsf] z]o/sf] sf/f]af/ ;DaGwdf Joj:yfkgsf] wf/0ff M
o; ;+:yfsf] lwtf]kq ahf/df z]o/sf] sf/f]jf/ tyf d"No j[l4 pGd'v /xg'n] ahf/n] /fd«f] k|lts[of hgfPsf] 5 /
;+:yfsf] z]o/ sf/f]af/ v'nf ahf/n] lgwf{/0f u/]sf] P]g, lglt, lgod, l;åfGt tyf lgb]{lzsf cg';f/ lglb{i6 x'g]
u/]sf] 5 .
-v_ cfly{s jif{ @)&^÷&& df ;+ul7t ;+:yfsf] z]o/sf] clwstd, Go"gtd / clGtd d"Nosf ;fy} s"n sf/f]af/ z]o/
;ª\Vof / sf/f]af/ lbg M
ut jif{sf] k|To]s q}dfl;s cjlwdf ;+ul7t ;+:yfsf] z]o/sf] clwstd, Go"gtd / clGtd d"Nosf ;fy} s'n
sf/f]jf/ z]o/ ;ª\Vof / sf/f]af/ lbg g]kfn :6s PS;r]Gh lnld6]8sf] j]a;fO6 cg';f/ k|To]s q}dfl;s cjlwdf
o; ;+:yfsf] z]o/sf] sf/f]af/ tkl;n cg';f/ /x]sf] 5 .
tkl;n

@)&^÷&& z]o/sf] d"No -?=df_ s'n sf/f]af/ s'n

qm=;+=
q}dfl;s cjlw clwstd Go"gtd clGtd z]o/ ;ª\Vof sf/f]af/ lbg
!= k|yd !)#)÷– *() ÷– (!$÷– !)%* ^@
@= bf]>f] !)#*÷– &&% ÷– (#)÷– !&!@ %(
#= t]>f] !$$%÷– ()) ÷ (()÷– $*!^ $^
$= Rff}yf] !#!%÷– *() ÷– !#)!÷– (*( !$
^= ;d:of tyf r'gf}tL M
;d:of M
-s_ cfGtl/s ;d:of M cfw'lgs k|ljlwsf] pkof]udf sl7gfO{ x'g' / dfgjLo nufot cGo ;|f]t ;fwgx?sf] ;do ;fk]If
k|efjsfl/tf clej[l4 ug{ sl7gfO{ /x]sf] 5 .
-v_ afXo ;d:of M b]zsf clwsflws If]qaf6 ;]jf lj:tf/sf nflu dfu eO{ cfP tfklg kof{Kt >f]tsf] cefjdf ck]lIft
¿kn] ;]jf lj:tf/ ug{ g;Sg' / gLltut hf]lvd sfod /xg' . ;fy}, cGo a}+s tyf ljQLo ;+:yfaf6 k|fKt eO{/x]sf]
ljkGg ju{ shf{sf] nfutdf cgk]lIft j[l4 x'g' h:tf sfo{x?nfO{ afx\o ;d:ofsf] ¿kdf lnPsf] 5 .

35
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
r'gf}tL M
cfly{s tyf /fhgLlts kl/jt{g, >f]t ;fwfgsf] kl/rfng plrt tl/sfn] gx'g', b]zsf] u|fdL0f e]udf k"jf{wf/ ljsf;df
sdL x'g', a}+lsË If]qdf tLa| k|lt:kwf{ / ;+:yfut ;'zf;gdf sdhf]/ b]lvg' cflbnfO{ o; ;+:yfsf] r'gf}ltsf] ¿kdf
lnOPsf]5 / sfa' eGbf aflx/sf kl/l:ylt afx]s pko'{Qm r'gf}tL ;fdgf ug{ alnof] ;'zf;g, Joj;fo ljljwLs/0f,
u|fxsd'vL u'0f:t/Lo ;]jf tyf k|efjsf/L hf]lvd Joj:yfkgsf] /0fgLlt lnPsf] 5 .
&= ;+:yfut ;'zf;g M
o; ljQLo ;+:yfn] ;+:yfut ;'zf;g ;DaGwL g]kfn /fi6« a}+s nufot ;DalGwt lgodgsf/L lgsfox¿af6 k|fKt dfu{
lgb]{zgx¿ pRr k|fyldstfsf ;fy kfngf ub}{ cfPsf] 5 . ljQLo ;+:yfsf] ;'zf;g clej[l4 Pjd\ ;+:yfn] ug]{ sfo{x¿
kf/bzL{ Pjd\ lgod;Ët ug{sf nflu ;~rfns ;ldlt, n]vf k/LIf0f ;ldlt, sd{rf/L ;]jf, ;t{ tyf ;'ljwf ;ldlt
/ cfGtl/s n]vf k/LIf0f PsfO lqmofzLn /x]sf] 5 . ljQLo ;+:yfsf] sf/f]af/nfO{ Jojl:yt ug{ cfGtl/s gLlt, lgod
tyf lgb]{zgx¿ th'{df u/L nfu" ul/Psf] 5 . ljQLo ;+:yfsf] ;+:yfut ;'zf;g sfod ug{ ;+:yfsf] jflif{s ;ef,
;ldlt, pk;ldlt, a}7s / kbflwsf/Lsf] dxTjk"0f{ of]ubfg /x]sf] 5 . ;+:yfut ;'zf;g clej[l4sf nflu ;+:yfåf/f
rflnPsf sbd b]xfo adf]lhd /x]sf 5g\ M–
 ;+:yfdf ;~rfns ;ldlt tyf ;f] cGtu{t n]vfk/LIf0f ;ldlt, hf]lvd Joj:yfkg ;ldlt, sd{rf/L ;]jf ;'ljwf
;ldlt / ;DklQ z'l4s/0f lgjf/0f ;ldlt /x]sf] 5 . ;fy} Joj:yfkg dftxtdf /x]sf ;ldlt tyf pk;ldltx?
lqmoflzn /x]sf 5g\ .
 ;~rfng hf]lvdx? sd ug{ tyf sf/f]af/nfO{ Jojl:yt ug{ ljleGGf cfGtl/s gLlt, lgod tyf lgb]{lzsfx?sf]
th'{df u/L nfu" ul/Psf] 5 .
 ;+:yfut ;'zf;g sfod ug{ sd{rf/L cfrf/ ;+lxtf hf/L u/L ;f]sf] cg'udg ;d]tsf] Joj:yf ul/Psf] 5 .
 cfGtl/s lgoGq0f k|0ffnLnfO{ Jojl:yt ug{ cfGtl/s n]vfk/LIfsaf6 lgoldt ¿kdf n]vfk/LIf0f u/fO{ k|ltj]bgdf
lbOPsf ;'emfjx? sfof{Gjog u/fpg tyf ;dLIff ug{ n]vfk/LIf0f ;ldltsf a}7sx? lgoldt ¿kdf a:g] u/]sf
5g\ .

36
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

;+:yfut ;'zf;g ;DaGwL jflif{s cg'kfng k|ltj]bg

-g]kfn lwtf] kq af]8{sf] æ;"rLs[t ;+ul7t ;+:yfx?sf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf, @)&$Æ adf]lhd_
;"rLs[t ;Ël7t ;+:yfsf] gfd ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
7]ufgf M ;'ljwfgu/, tLgs'g], sf7df8f}+ .
j]a;fO6 www.skbbl.com.np.
Od]n info@skbbl.com.np
kmf]g g+M )!–$!!!(@#,$!!!()!
k|ltj]bg k]z ul/Psf] cf=j= @)&^÷&&
!= ;~rfns ;ldlt ;DaGwL ljj/0f M
-s_ ;~rfns ;ldltsf] cWoIfsf] gfd tyf lgo'lQm ldlt M >L v]d axfb'/ kf7s -@)&%÷!)÷!*_
-v_ ;+:yfsf] z]o/ ;+/rgf ;DaGwL ljj/0f -;+:yfks, ;j{;fwf/0f tyf cGo_ M
ljQLo ;+:yfsf] z]o/ ;+/rgf
-ldlt @)&&÷)#÷#!_
;d"x r'Qmf k'FhL -?=df_ k|ltzt ;~rfns ;ldltdf k|ltlglwTj ;+Vof
;d"x -s_ k|jw{s ;d"x 699,452,179.57 69.93%
s= ! s[lif ljsf; a}+s ln= 220,344,621.22 22.03%
s= @ g]kfn a}+s ln= 12,146,024.93 1.21% !
s= # glan a}+s ln= 30,365,217.65 3.04%
s= $ ;fgf ls;fg ;xsf/L ;+:yfx¿ 436,596,315.77 43.65% 3
;d"x -v_ ;j{;fwf/0f z]o/wgL 300,777,246.09 30.07% 2
Jofj;flos ;~rfns - - 1
hDdf 1,000,229,425.66 100.00% 7

gf]6 M @)&^÷&& sf] @%Ü af]g; z]o/ k|:tfj / k'FhL;DaGwL k|:tfj kfl/t ePkl5 ljQLo ;+:yfsf] s'n r'Qmf z]o/ /sd
?= !,@%,)@,*^,&*@÷)* k'Ug]5 .
-u_ ;~rfns ;ldlt ;DaGwL ljj/0f M
Kfb tyf
;~rfns
;~rfnsx?sf] gfd z]o/ lgo'lQm ePsf] uf]klgotfsf]
qm;+ k|ltlglwTj ePsf] ;d"x lgo'lQmsf]
tyf 7]ufgf ;Vof ldlt zky lnPsf]
t/Lsf
ldlt
k|aw{s -;fgf ls;fg
!= >L v]d axfb'/ kf7s ;+:yfut @)&%÷!)÷!* @)&%÷!)÷@) lgjf{rg
;xsf/L ;d"x_
lgjf{rg÷
@= >L k|tfk ;'j]bL k|aw{s -jfl0fHo a}+s ;d"x_ ;+:yfut @)&^÷)#÷@@ @)&^÷)#÷@@
dgf]gog
k|aw{s -;fgf ls;fg
#= >L /ljGb| ofbj ;+:yfut @)&%÷!)÷!* @)&%÷!)÷@) lgjf{rg
;xsf/L ;d"x_
k|aw{s -;fgf ls;fg
$= >L rFfbgL 9sfn ;+:yfut @)&%÷!)÷!* @)&%÷!)÷@) lgjf{rg
;xsf/L ;d"x_
%= >L pd]z nD;fn ;j{;fwf/0f ;d"x_ %%** @)&%÷)#÷#) @)&%÷)#÷#) lgjf{rg
^= >L e"k]z 5Ts'nL ;j{;fwf/0f ;d"x_ #$! @)&%÷)#÷#) @)&%÷)#÷#) lgjf{rg
37
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
kl5Nnf] ;fwf/0f ;ef kZrft :jtGq ;~rfns >L pkxf/ /fh l3ld/]n] /flhgfdf lbg' ePsf hfgsf/L af]8{df ldlt
@)&&÷$÷!% df hfgsf/L u/fO{Psf] 5 . pQm l/Qm /x]sf] kbdf ;~rfns ;ldltsf] ldlt @)&&÷(÷* sf] a}7sn] >L
dx]Gb| k|;fb >]i7nfO{ :jtGq ;~rfnssf] ?kdf lgo'lQm lbg] lg0f{o u/]sf] 5 . ;f] ;DaGwL ldlt @)&&÷(÷* sf] kqaf6
af]8{nfO{ hfgsf/L k7fO{Psf] 5 .
Gff]6 M kl5Nnf] ;fwf/0f ;ef kl5 ;~rfnsx? lgo'lQm eP ;f] ;DaGwL hfgsf/L / ;f] ;DaGwdf af]8{nfO{ hfgsf/L u/fPsf] ldlt
;d]t 5'§} pNn]v ug'{kg]{ .
3_ ;~rfns ;ldltsf] a}7s M
;~rfns ;ldltsf] a}7s ;~rfng ;DaGwL ljj/0f M
qm=;+= o; cf=j= df a;]sf] pkl:yt a}7ssf] lg0f{odf leGg dt /fvL ut cf=j= df a;]sf]
a}7ssf] ldlt ;~rfnssf] ;+Vof x:tfIf/ ug]{ ;~rfnssf] ;+Vof a}7ssf] ldlt
1 2076/4/7 7 5}g 2075/4/30
2 2076/4/8 7 5}g 2075/4/31
3 2076/4/19 7 5}g 2075/5/16
4 2076/5/8 7 5}g 2075/5/30
5 2076/5/9 7 5}g 2075/6/23
6 2076/5/10 7 5}g 2075/7/19
7 2076/5/31 7 5}g 2075/8/6
8 2076/6/16 5 5}g 2075/8/7
9 2076/7/4 7 5}g 2075/8/21
10 2076/7/7 7 5}g 2075/9/21
11 2076/7/8 6 5}g 207/9/30
12 2076/8/7 7 5}g 2075/10/1
13 2076/8/11 6 5}g 2075/10/17
14 2076/9/3 6 5}g 2075/10/18
15 2076/9/14 6 5}g 2075/10/20
16 2076/9/25 7 5}g 2075/11/15
17 2076/10/2 7 5}g 2075/11/26
18 2076/10/3 7 5}g 2075/12/5
19 2076/10/22 5 5}g 2075/12/19
20 2076/11/7 7 5}g 2075/12/21
21 2076/11/22 7 5}g 2076/1/16
22 2076/12/24 7 5}g 2076/2/3
23 2077/1/18 7 5}g 2076/2/20
24 2077/1/25 7 5}g 2076/3/3
25 2077/2/32 7 5}g 2076/3/4
26 2077/2/32 7 5}g 2076/3/22
27 2077/3/2 7 5}g 2076/3/30
29 2077/3/18 7 5}g -
30 2077/3/19 7 5}g -
31 2077/3/22 7 5}g -
32 2077/3/23 7 5}g -
33 2077/3/27 7 5}g -
34 2077/3/28 7 5}g -

38
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

 s'g} ;~rfns ;ldltsf] a}7s cfjZos u0fk'/s ;+Vof gk'uL :ylut ePsf] eP ;f]sf] ljj/0f M 5}g .
 ;~rfns ;ldltsf] a}7s ;DaGwL cGo ljj/0f M
;~rfns ;ldltsf] a}7sdf ;~rfns jf j}slNks ;~rfns pkl:yt eP–gePsf] -gePsf] gePsf]
cj:yfdf a}7ssf] ldlt ;lxt sf/0f v'nfpg]_ M
;~rfns ;ldltsf] a}7sdf pkl:yt ;~rfnsx?, 5nkmn ePsf] ljifo / tT;DaGwdf ePsf] /fv]sf]
lg0f{osf] ljj/0f -dfO{Go"6_ sf] 5'§} clen]v /fv] g/fv]sf]
;~rfns ;ldltsf] b'O{ nuftf/ a;]sf] a}7ssf] clwstd cGt/ -lbgdf_ #@ lbg
;~rfns ;ldltsf] a}7s eQf lgwf{/0f ;DaGwdf a;]sf] jflif{s ;fwf/0f ;efsf] ldlt M @)&^÷(÷@^
;~rfns ;ldltsf] k|lt a}7s eQf ?= ^,)))÷–
cf=j=sf] ;~rfns ;ldltsf] s'n a}7s vr{ ?= @),%@,(*$.&%
@= ;~rfnssf] cfr/0f ;DaGwL tyf cGo ljj/0f
;~rfnssf] cfr/0f ;DaGwdf ;DalGwt ;+:yfsf] cfrf/ ;+lxtf eP÷gePsf] ePsf] .
Psf3/ kl/jf/sf] Ps eGbf a9L ;~rfns eP ;f] ;DaGwL ljj/0f M ePsf] 5}g .
;~rfnsx? Jfflif{s ?kdf l;sfO{ tyf k'g/tfhuL sfo{qmd ;DaGwL ljj/0f M
qm; ljifo ldlt ;xefuL ;~rfnssf] ;+Vof tflnd ;~rfng
Board Members of Babarmahal,
! Micronance Institutions @)&^÷$÷!* % Kathmandu
k|To]s ;~rfnsn] cfkm" ;~rfnssf] kbdf lgo'Qm jf dgf]gog ePsf] kGw| lbgleq b]xfosf s'/fsf] lnlvt
hfgsf/L u/fPsf]÷gu/fPsf] / gu/fPsf] eP ;f]sf] ljj/0f M
 ;+:yf;Fu lgh jf lghsf] Psf3/sf] kl/jf/sf] s'g} ;b:on] s'g} lsl;dsf] s/f/ u/]sf] jf ug{
nfu]sf] eP ;f] sf] ljj/0f,
 lgh jf lghsf] Psf3/sf] kl/jf/sf] s'g} ;b:on] ;+:yf jf ;f] ;+:yfsf] d'Vo jf ;xfos sDkgLdf
lnPsf] z]o/ jf l8a]Gr/sf] ljj/0f,
 lgh cGo s'g} ;Ël7t ;+:yfsf] cfwf/e"t z]o/wgL jf ;~rfns /x]sf] eP To;sf] ljj/0f,
 lghsf] Psf3/sf] kl/jf/sf] s'g} ;b:o ;+:yfdf kbflwsf/L jf sd{rf/Lsf] x}l;otdf sfd ul//x]sf]
eP ;f]sf] ljj/0f .
;~rfnsn] p:t} k|s[ltsf] p2]Zo ePsf] ;"lrs[t ;+:yfsf] ;~rfns, tnaL kbflwsf/L, sfo{sf/L k|d'v jf pQm sfo{
sd{rf/L eO{ sfo{ u/]sf] eP ;f]sf] ljj/0f M gu/]sf] .
s'g} sf/jfxL
;~rfnsx?nfO{ lgodg lgsfo tyf cGo lgsfox?af6 s'g} sf/jfxL ul/Psf] eP ;f]sf] ljj/0f M
gu/]sf] .
#= ;+:yfsf] hf]lvd Joj:yfkg tyf cfGtl/s lgoGq0f k|0fnL ;DaGwL ljj/0f M
-s_ hf]lvd Joj:yfkgsf] nflu s'g} ;ldlt u7g eP÷gePsf] u7g gePsf] eP ;f]sf] sf/0f M u7g ePsf] .
-v_ hf]lvd Joj:yfkg ;ldlt ;DaGwL hfgsf/L M -cf=j= @)&^÷&&_
-c_ hf]lvd Joj:yfkg ;ldltsf] ;+/rgf -;+of]hs tyf ;b:ox?sf] gfd tyf kb_
>L e'k]z 5Ts'nL, ;~rfns ;+of]hs
>L pd]z nD;fn, ;~rfns ;b:o
>L s[i0f k|;fb nfld5fg], C0f tyf sfo{qmd ljefusf] ljefuLo k|d'v ;b:o ;lrj
-cf_ ;ldltsf] a}7s ;+Vof M %

39
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
-O_ ;ldltsf] sfo{ ;DaGwL 5f]6f] ljj/0f M q}dfl;s?kdf ljQLo ;+:yfsf] hf]lvd ljZn]if0f u/L ;~rfns /
Joj:yfkgnfO{ ;'emfj k]z ug]{ .
-u_ cfGtl/s lgoGq0f sfo{ljwL eP÷gePsf] M ePsf] .
-3_ cfGtl/s lgoGq0f k|0ffnLsf] nflu s'g} ;ldlt u7g eP÷gePsf] u7g gePsf] eP ;f]sf] sf/0f M u7g gePsf] / ;f]
;DaGwL sfo{ n]vfk/LIf0f ;ldltn] ul/cfPsf] .
-ª_ cfly{s k|zf;g ljlgodfjnL eP÷gePsf] M ePsf] .
$= ;"rgf tyf hfgsf/L k|jfx ;DaGwL ljj/0f M
-s_ ;+:yfn] ;fj{hlgs u/]sf] ;"rgf tyf hfgsf/L k|jfxsf] ljj/0f M
ljifo dfWod ;fj{hlgs u/]sf] ldlt
cfly{s cleofg /fli6«o b}lgs @)&&÷)(÷!#
cfly{s cleofg /fli6«o b}lgs @)&&÷)(÷)&
Jfflif{s ;fwf/0f ;efsf] ;"rgf
cfly{s cleofg /fli6«o b}lgs @)&^÷)(÷)$
cGgk"0f{ kf]i6 b}lgs @)&^÷)(÷)%
ljz]if ;fwf/0f ;efsf] ;"rgf xfn gePsf] –
;~rfns ;ldlt a}7s g+= #^# @)&^÷)(÷)#
jflif{s k|ltj]bg
;~rfns ;ldlt a}7s g+= #(* @)&&÷)(÷)^
cfly{s cleofg /fi6« b}lgs–k|yd @)&^÷&÷@&
cfly{s cleofg /fi6« b}lgs–bf]>f] @)&^÷!)÷@^
q}dfl;s k|ltj]bg
cfly{s cleofg /fi6« b}lgs–t]>f] @)&&÷)!÷@(
cfly{s cleofg /fi6« b}lgs–rf}yf] @)&&÷)$÷#@
Nepse Website df upload ul/Psf]
1 Appointment of Direc-
2020-12-23 10:06:25
tors-(SKBBL)
2 Book Closure and AGM No-
2020-12-21 20:28:23
tice-(SKBBL)
lwtf]kqsf] d"Nodf k|efj kfg]{ d"No 3 Resignation of Direc-
2020-08-02 10:46:58
tors-(SKBBL)
;+j]bgzLn ;"rgf
4 AGM notice and book clo-
2019-12-20 12:00:37
sure SKBBL-(SKBBL)
5 SKBBL: Dividend approval
2019-12-19 10:45:48
from NRB-(SKBBL)
6 Proposed Dividend SKBBL
2019-11-24 10:39:22
-(SKBBL)
-v_ ;"rgf ;fj{hlgs gu/]sf] jf cGo sf/0fn] lwtf]kq af]8{ tyf cGo lgsfoaf6 sf/jfxLdf k/]sf] eP ;f] ;DaGwL hfgsf/L
M sf/afxLdf k/]sf] 5}g .
-u_ kl5Nnf] jflif{s tyf ljz]if ;fwf/0f ;ef ;DkGg ePsf] ldlt M @)&^÷)(÷@^
%= ;+:yfut ;+/rgf / sd{rf/L ;DaGwL ljj/0f
-s_ sd{rf/Lx?sf] ;+/rgf, kbk"lt{, j[lt ljsfz, tflnd, tna, eQf tyf cGo ;'ljwf,xflh/ / ljbf, cfrf/;+lxtf nufotsf
s'/fx? ;d]l6Psf] sd{rf/L ;]jf zt{ ljlgodfjnL÷Joj:yf eP gePsf] M Joj:yf ePsf] 5 .
-v_ ;+fu7flgs ;+/rgf ;+nUg ug]{ M o;} ;fy ;+nUg !( cf}F jflif{s k|ltj]bg @)&^÷&& df ;+nUg 5 .

40
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

-u_ pRr Joj:yfkg txsf sd{rf/Lx?sf] gfd tyf cg'ej ;DaGwL ljj/0f M o;} ;fy ;+nUg !( cf}F jflif{s k|ltj]bg
@)&^÷&& df pNn]v 5 .
-3_ sd{rf/L ;DaGwL cGo ljj/0f M
;+/rgf cg';f/ sd{rf/L kbk"tL{ ug]{ u/]÷gu/]sf] M u/]sf] .
gofF sd{rf/Lx?sf] kbk"lt{ ubf{ ckgfPsf] k|s[of M lnlvt, df}lvs, cGt/jftf{
Joj:yfkg :t/sf sd{rf/Lsf] ;+Vof M !%
s'n sd{rf/Lsf] ;+Vof M (@
sd{rf/Lx?sf] ;S;];g Knfg eP÷gePsf] M sd{rf/L ;]jf ljlgodfjnL cg';f/ ePsf] .
cf=j= sd{rf/Lx?nfO{ lbOPsf] tflnd ;+Vof tyf ;Ddlnt tflnd ;+Vof–@!, ;lDdlnt sd{rf/L ;+Vof–$))
sd{rf/Lsf] ;+Vof M
cf=j=sf] sd{rf/L tflnd vr{ ?= @%,%@,))(÷@&
s'n vr{df sd{rf/L vr{sf] k|ltzt M %=&* Ü
s'n sd{rf/L vr{df sd{rf/L tflnd vr{sf] k|ltzt M #=!) Ü
^= ;+:yfsf] n]vf tyf n]vfk/LIf0f ;DaGwL ljj/0f M
-s_ n]vf;DaGwL ljj/0f
;+:yfsf] kl5Nnf] cf=j= sf] ljQLo ljj/0f NFRS cg';f/ g]kfn /fi6« a}+saf6 clgjfo{ gePsf] elgPsf]n], xfn tof/
tof/ u/]÷gu/]sf], gu/]sf] eP ;f]sf] sf/0f M gul/Psf] t/ tof/Lsf] k|s[ofdf /x]sf] .
;~rfns ;ldltaf6 kl5Nnf] ljQLo ljj/0f :jLs[t ePsf] @)&&÷)*÷@# sf] a}7s g+= #(^
ldlt M
q}dfl;s ljQLo ljj/0f k|sfzg u/]sf] ldlt M k|yd–@)&^÷&÷@&
bf]>f]– @)&^÷!)÷@^
t]>f]– @)&&÷)!÷@(
rf}yf]– @)&&÷)$÷#@
clGtd n]vfkl/If0f ;DkGg ePsf] ldlt M @)&&÷*÷@#
;fwf/0f ;efaf6 ljQLo ljj/0f :jLs[t ePsf] ldlt
-cf=j=@)&^÷&& sf] @)&^÷(÷@* df ;fwf/0f;ef x'g]_ cf=j=@)&%÷&^ sf] @)&^÷(÷@^
;+:yfsf] cfGtl/s n]vf k/LIf0f ;DaGwL ljj/0f M -c_ cf=j= @)&^÷&& df jfx\o lj1af6 cfGtl/s
-c_ cfGtl/s ?kdf n]vf k/LIf0f ug]{ ul/Psf] jf afXo n]vfk/LIf0f u/fPsf] . cGo cf=j=df cfGtl/s n]vf
lj1 lgo'Qm ug]{ ul/Psf], k/LIf0f ljefuaf6 g} x'g] .
-cf_ jfXo lj1 lgo'Qm ul/Psf] eP ;f]sf] ljj/0f, -cf_ h]=Pg=k|ltx:y P08 P;f]l;P6;\, rf6{8 Psfp06]06 .
-O_ cfGtl/s n]vfk/LIf0f slt cjlwsf] ug]{ ul/Psf] -O_ cfGtl/s n]vfk/LIf0f q}dfl;s cjlwsf] ug]{ ul/Psf] .
-q}dfl;s, rf}dfl;s jf cw{jflif{s_
-v_ n]vfk/LIf0f ;ldlt;DaGwL ljj/0f M -cf=j= @)&^÷&&_
;+of]hs tyf ;b:ox?sf] gfd, kb tyf of]Uotf M
gfd kb of]Uotf
>L pd]z nD;fn ;+of]hs Pd=la=P;\
>L pkxf/ /fh l3ld/] :jtGq ;~rfns rf6{8{ Psfp06]06
>L lab'/ cof{n ;b:o ;lrj :gfts

41
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
n]vf k/LIf0f ;ldlt a}7s ljj/0f M
n]vf k/LIf0f ;ldlt a}7s ljj/0f M cf=j= @)&^÷&&
;ldlt
;~rfns ;ldltdf k]z
qm=;= a}7s ldlt kbflwsf/L pkl:yt ;+Vof a}7s eQf b/ hDdf a}7s eQf
u/]sf] ldlt
;Vof
1 2076/4/7 3 3 4000 8000 2076/4/7
2 2076/6/12 3 3 4000 8000 -
3 2076/7/30 3 3 4000 8000 -
4 2076/8/5 3 3 4000 8000 2076/8/7
5 2076/8/23 3 3 4000 8000 -
6 2076/9/3 3 3 4000 8000 2076/9/3
7 2076/9/29 3 3 4000 8000 -
8 2076/12/10 3 3 4000 8000 -
9 2077/3/5 3 3 4000 8000 -
10 2077/3/23 3 3 6000 12000 -
11 2077/3/31 3 3 6000 12000 -

&= cGo ljj/0f

;+:yfn] ;~rfns tyf lghsf] Psf3/sf kl/jf/sf] ljQLo :jfy{ ePsf] JolQm, a}+s tyf ljQLo ;+:yfaf6 glnPsf]
C0f jf ;fk6L jf cGo s'g} ?kdf /sd lnP÷glnPsf]
k|rlnt sfg"g adf]lhd sDkgLsf] ;~rfns, z]o/wgL, sd{rf/L, ;Nnfsf/, k/fdz{bftfsf] x}l;otdf gu/]sf]
kfpg] ;'ljwf jf nfe afx]s ;"rLs[t ;Ël7t ;+:yfsf] ljQLo :jfy{ ePsf] s'g} JolQm, kmd{, sDkgL,
sd{rf/L, ;Nnfxfsf/ jf k/fdz{bftfn] ;+:yfsf] s'g} ;DklQ s'g} lsl;dn] ef]urng u/]÷gu/]sf]
lgodsf/L lgsfon] Ohfhtkq hf/L ubf{ tf]s]sf] zt{x?sf] kfngf eP÷gePsf] ePsf]
lgodsf/L lgsfon] +;+:yfsf] lgodg lg/LIf0f jf ;'k/Lj]If0f ubf{ +;+:yfnfO{ lbOPsf] lgb]{zg kfngf ePsf]
eP÷gePsf]
;+:yf jf ;~rfns lj?¢ cbfntdf s'g} d'2f rln/x]sf] eP ;f]sf] ljj/0f grn]sf]
kl/kfng clws[tsf] gfd M lnnfw/ lwtfn
kb M jl/i7 k|aGws
ldlt M @)&&÷(÷^
;+:yfsf] 5fk M

k|ltj]bg ;~rfns ;ldltaf6 :jLs[t ldlt M @)&&÷(÷^

gf]6 M of] k|ltj]bg ;"rLs[t ;Ël7t ;+:yfx?sf] kl/kfngf clws[tn] tof/ u/L ;~rfns ;ldltaf6 :jLs[t u/fO{ n]vf k/LIfsaf6
k|dfl0ft u/fO{ g]kfn lwtf]kq af]8{df n]vfk/LIf0f k|ltj]bg;lxt k]z ug'{kg]{ 5 .

42
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

;"rgfsf] xs ;DaGwL P]g, @)^$ sf] bkmf % sf] pkbkmf

-#_ / ;"rgfsf] xs ;DaGwL lgodfjnL, @)^% sf]
lgod # adf]lhdsf] ;fj{hlgs ul/Psf] ljj/0f M
!= ;"rgfsf] xs ;DaGwL P]g, @)^$ sf] bkmf % sf] pkbkmf -#_ cg';f/sf] ljj/0f
-s_ lgsfosf] :j?k / k|s[lt M
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= -o;kl5 n3'ljQ ;+:yf elgPsf]_ sDkgL P]g, @)^# adf]lhd
:yfkgf eO{ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhd g]kfn /fi6« a+}saf6 …3Ú ju{sf] yf]s n3'shf{
k|bfos n3'ljQ ;+:yf xf] .
-v_ lgsfosf] sfd, st{Jo / clwsf/ M
a}+s tyf ljQLo ;+:yf ;DaGwL P]g @)&#, sDkgL P]g @)^#, g]kfn /fi6« a}+saf6 Ohfhtkq k|fKt …3Ú ju{sf]
n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb{]zg tyf ;do ;dodf hf/L x'g] kl/kqx? / n3'ljQ ;+:yfsf]
cfGtl/s gLlt lgod, sfo{ljlw / lg0f{ox?n] tf]s] adf]lhdsf] sfd, st{Jo / clwsf/ /x]sf] 5 .
-u_ lgsfodf /xg] sd{rf/L ;ª\Vof / sfo{ ljj/0f M
o; n3'ljQ ;+:yfdf sfo{/t sd{rf/L ;ª\Vof :yfoL *@ / s/f/÷Hofnfbf/L ;]jfdf !$ u/L s'n (( /x]sf]
5 . lghx?n] o; n3'ljQ ljQLo ;+:yfn] tf]s]sf ljleGg Onfsf sfof{no, sfo{qmd tyf kl/of]hgf / s]Gb|Lo
sfof{nodf ljleGg kbdf sfo{/t sd{rf/Lx?af6 sfo{ljj/0fdf tf]lsP cg';f/sf sfdx? ;Dkfbg x'Fb}cfPsf] 5 .
-3_ lgsfoaf6 k|bfg ul/g] ;]jf M
a}+s tyf ljQLo ;+:yf P]g @)&# adf]lhd …3Ú ju{sf] Ohfhtkqk|fKt yf]s n3'shf{ k|bfos ljQLo ;+:yfsf]
?kdf k|rlnt P]g, sfg'g, gLlt, lgod, lgb{]lzsfx?sf] clwgdf /xL k|bfg ug{ ;lsg] ;]jfx? o; n3'ljQ ;+:yfn]
k|bfg ub}{ cfPsf] 5 .
-ª_ ;]jf k|bfg ug{] lgsfosf] zfvf / lhDd]jf/ clwsf/L M
o; ljQLo ;+:yfsf] s]Gb|Lo sfof{no ;'ljwfgu/, tLgs'g] sf7df8f}+df /x]sf] 5 / !! j6f Onfsf sfof{nox?
latf{df]8, O6x/L, alb{af;, ag]kf, x]6f}+8f, uh'/L, kf]v/f, a'6jn, g]kfnu~h, jL/]Gb|gu/ / cQl/ofdf /x]sf
lhDd]jf/ sd{rf/Lx? dfkm{t ;]jf k|bfg ub}{ cfPsf] 5 . ;]jf k|bfg ug]{ sfo{nox? / lhDd]jf/ clwsf/Lx?sf]
ljj/0f o; ;+:yfsf] j]a;fO6 www.skbbl.com.np df pknAw 5 .
-r_ ;]jf k|fKt ug{ nfUg] b:t'/ / cjlw M
o; n3'ljQ ;+:yfaf6 k|jfx ul/g] yf]s shf{ ;]jfsf] Aofhb/ k|To]s q}dfl;s?kdf ;"rgf kf6L / j]a;fO6df
k|sfzg u/] cg';f/ x'g]5 . lgodgsf/L lgsfox?åf/f lgb]{lzt kl/lwleq /xL pko'Qm k|s[ofaf6 l56f] 5l/tf]
?kdf ;]jf k|fKt ug]{ Joj:yf ldnfO{Psf] 5 . o; ;DaGwL lj:t[t ljj/0f o; ;+:yfsf] jflif{s k|ltj]bg /
j]a;fO6 www.skbbl.com.np df pknAw 5 .
-5_ lg0f{o ug{] k|s[of / clwsf/L M
n3'ljQ ljQLo ;+:yfn] k|bfg ug{] ;]jfsf ;DaGwdf k|rlnt P]g, sfg'g, gLlt, lgod, lgb{]lzsf tyf ;~rfns
;ldltn] ;do ;dodf ug{] lg0f{ox?sf] clwgdf /xL tf]lsPsf sfo{x? ;Dkfbg ug{sf lglDt tf]lsPsf
clwsf/Lx?n] lg0f{o ug{ ;Sg] Joj:yf ldnfOPsf] 5 . ;Dk"0f{ z]o/ ;b:o ;lxtsf] ;fwf/0f ;ef o;sf] ;jf]{Rr
lgsfo xf] . ;fwf/0f ;efn] o; n3'ljQ ljQLo ;+:yfdf gLltut lg0f{o lng] tyf Joj:yfkgnfO{ cfjZos
dfu{bz{g tyf gLlt lgb{]zg k|bfg u/L Joj:yfkgsf] sfdx?nfO{ lgoGq0f tyf cg'udg ug{sf nflu ;~rfns
43
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
;ldltsf] lgjf{rg ub{5 . ;~rfns ;ldltsf] gLlt lgb{]zg tyf lg0f{ox?sf] clwgdf /xL Joj:yfksLo k|d'vsf]
?kdf n3'ljQ ljQLo ;+:yfsf] ;du| sfo{ ;~rfng ug{sf nflu k|d'v sfo{sf/L clws[tnfO{ lhDd]jf/L k|bfg
ul/Psf] 5 .
-h_ lg0f{o pk/ ph'/L ;'Gg] clwsf/L M
lg0f{o pk/ ph'/L ;'Ggsf nflu xfn k|d'v sfo{sf/L clws[tnfO{ u'gf;f] ;'Gg] clwsf/Lsf] ?kdf /xg] Joj:yf
ul/Psf] 5 . lghsf] 7]ufgf o; k|sf/ /x]sf] 5 M
8f= lzj/fd k|;fb sf]O/fnf, k|d'v sfo{sf/L clws[t
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= s]Gb|Lo sfof{no, ltgs'g], sf7df8f}+ .
kmf]g g+= )!–$!!!&%@, Od]nM shivram.koirala@skbbl.com.np

-em_ ;Dkfbg u/]sf] sfdsf] ljj/0f M

a+}s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhd …3Ú ju{sf] yf]s n3'shf{ k|bfos ljQLo ;+:yfn] ug{ ;Sg]
;Dk"0f{ sf/f]af/x? ;Dkfbg eO{/x]sf] 5 . sfg'g cg';f/sf k|utL ljj/0f q}dfl;s ?kdf /fli6«o :t/sf] b}lgs
klqsfdf / o; ljQLo ;+:yfsf] j]a;fO6 www.skbbl.com.np df ;d]t lgoldt?kdf k|sfzg ul/G5 .
-`_ ;"rgf clwsf/L / k|d'vsf] gfd / kb M
-!_ u|fxsx?nfO{ cfjZos ;"rgf k|bfg ug{ tkl;n adf]lhdsf clwsf/LnfO{ ;"rgf clwsf/L tf]lsPsf] 5 M
>L= emn]Gb| e§/fO{, sf= d'= gfoj k|d'v sfo{sf/L clws[t
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= s]Gb|Lo sfof{no, ltgs'g], sf7df8f}+
kmf]g g+M )!–$!!!&%@,
Od]n M info@skbbl.com.np/jhalendra.bhattarai@skbbl.com.np

-@_ o; n3'ljQ ;+:yfsf] k|d'v sfo{sf/L clws[tsf] gfd / 7]ufgf o; k|sf/ /x]sf] 5 M–
8f= lzj/fd k|;fb sf]O/fnf, k|d'v sfo{sf/L clws[t
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= s]Gb|Lo sfof{no, ;'ljwfgu/, ltgs'g], sf7df8f}+, kmf]g g+=
)!–$!!!&%@, Od]n M shivram.koirala@skbbl.com.np
6_ P]g, lgod, ljlgod jf lgb{]lzsfsf] ;"rL M
n3'ljQ ;+:yfn] k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL P]g @)&#, g]kfn /fi6« a}+saf6 …3Ú ju{sf n3'ljQ
ljQLo ;+:yfnfO{ hf/L ePsf] lgb]{zg, @)&& / sDkgL P]g, @)^# sf cltl/Qm ;Dk"0f{ P]g, lgod, ljlgod jf
lgb{]lzsfx? kfngf ug'{kg{] x'G5 eg] n3'ljQ ;+:yf ;~rfngsf nflu cfjZos kg]{ lgodfjnL, ljlgodfjnL,
sfo{ljlw cflb agfO{ nfu" ul/Psf] 5 .
-7_ cfDbfgL, vr{ tyf cfly{s sf/f]af/ ;DaGwL cBfjlws ljj/0fx? M
n3'ljQ ljQLo ;+:yfsf] cfDbfgL, vr{ tyf cfly{s sf/f]af/ ;DaGwL ;Dk"0f{ ljQLo ljj/0fx? q}dfl;s ?kdf
/fli6«o :t/sf] kqklqsfdf k|sflzt ul/b} cfPsf] 5 eg] o; n3'ljQ ;+:yfsf] j]a;fO6 www.skbbl.com.np
df ;d]t /flvFb} cfPsf] 5 .
-8_ tf]lsP adf]lhdsf cGo ljj/0f M
lgodfg';f/ tf]lsP adf]lhdsf] cGo ljj/0f;d]t /fli6«o:t/sf] b}lgs klqsfx?df k|sfzg ug'{sf ;fy} o;
ljQLo ;+:yfsf] j]a;fO6 M www.skbbl.com.np df ;d]t /fVg] ul/Psf] 5 .

44
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

@= ;"rgfsf] xs ;DaGwL lgodfjnL, @)^% sf] lgod # adf]lhdsf] ljj/0f b]xfo adf]lhd /x]sf] 5 M
-s_ cl3Nnf] cfly{s jif{df ;fj{hlgs lgsfon] s'g} sfo{qmd jf cfof]hgf ;~rfng u/]sf] eP ;f]sf] ljj/0f M
o; n3'ljQ ;+:yfn] ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= tyf ;dfg k|s[ltsf cGo ;+:yfx? dfkm{t ljkGg, u/La
Pjd\ ;fgf ls;fgx?sf] Ifdtf clej[l4 u/L ljQLo kx'Fr a9fP/ pgLx?sf] cfly{s tyf ;fdflhs ljsf; ;Dej
t'Nofpg yf]s shf{ ;]jfsf cltl/Qm ljleGg sfo{qmdx? ;~rfng ub}{ cfPsf] 5 . o;sf] lj:t[t ljj/0f ljQLo
;+:yfn] k|To]s jif{ k|sfzg ug]{ jflif{s k|ltj]bgdf pknAw 5 . ;fy} n3'ljQ ljQLo ;+:yfsf] ljQLo ljj/0fx?
q}dfl;s ?kdf ljleGg /fli6«o :t/sf] kqklqsfdf k|sflzt u/L ;+:yfsf] j]a;fO6df ;d]t lgoldt?kdf k|sfzg
ul/G5 . jflif{s k|ltj]bg nufot cGo ;Dk"0f{ ljj/0fx? n3'ljQ ;+:yfsf] j]a;fO6 M www.skbbl.com.np af6
8fpgnf]8 ug{ jf k|fKt ug{ ;lsG5 .
-v_ ;fj{hlgs lgsfosf] j]a;fO6 eP ;f]sf] ljj/0f M
o; ;+:yfsf] j]a;fO6 M www.skbbl.com.np /x]sf] 5 .
-v!_ n3'ljQ ;+:yfn] k|fKt u/]sf] j}b]lzs ;xfotf, C0f, cg'bfg Pjd\ k|fljlws ;xof]u / ;Demf}tf ;DaGwL
ljj/0f M n3'ljQ ;+:yfn] k|fKt u/]sf] j}b]lzs ;xfotf, C0f, cg'bfg Pjd\ k|fljlws ;xof]u / ;Demf}tf
;DaGwL ljj/0fx? ;d]6L tof/ kfl/Psf] jflif{s k|ltj]bgx? / q}dfl;s ljQLo ljj/0fx?df k|sfzg
ul/Psf] 5 . pQm ljj/0fx? lgodglgsfosf] lgb]{zg cg';f/ tf]lsPsf] ;dodf /fli6«o:t/sf] b}lgs
kqklqsfdf k|sfzg ug]{, k':tssf ¿kdf k|sfzg u/L ;fwf/0f ;ef / cfjZostf cg';f/ ljt/0f ug]{ /
n3'ljQ ;+:yfsf] j]a;fO6df lgoldt¿kdf k|sfzg ug]{ ul/Psf] 5 .
-v@_ ;fj{hlgs lgsfon] ;~rfng u/]sf sfo{qmd / ;f]sf] k|ltj]bg M dfly -v!_ cg';f/ .
-v#_ ;fj{hlgs lgsfon] juL{s/0f tyf ;+/If0f u/]sf] ;"rgfsf] gfdfjnL / To:tf] ;"rgf ;+/If0f ug{ tf]lsPsf]
;dofjlw M n3'ljQ ;+:yfsf] lgodfg';f/ .
-v$_ ;fj{hlgs lgsfodf k/]sf ;"rgf dfu;DaGwL lgj]bg / ;f]pk/ ;"rgf lbO{Psf] ljifo M gePsf] .
-u_ ;fj{hlgs lgsfosf] ;"rgfx? cGoq k|sfzg ePsf] jf x'g] ePsf] eP ;f]sf] ljj/0f M
-!_ q}dfl;s ljQLo ljj/0fx? M s'g} Ps /fli6«o:t/sf] b}lgs kqklqsfdf q}dfl;s¿kdf k|sfzg ul/G5 .
-@_ jflif{s k|ult k|ltj]bg M jflif{s ;fwf/0f ;efdf / n3'ljQ ljQLo ;+:yfsf] j]a;fO6df, sfof{no ;dodf
n3'ljQ ;+:yfaf6 k|fKt ;d]t ug{ ;lsG5 .
-#_ cGo ;"rgfx? M n3'ljQ ;+:yfsf] d'vkq …;fgf ls;fgÚ, ;do ;dodf ul/g] k|sfzgx? / j]a;fO6df x]g{
;lsG5 .
ldltM@)&&÷)(÷)%

45
 !(
cf}+

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln cg';"rL–!

;+u7gfTds ;+/rgf
@)&^÷&&
jflif{s k|ltj]bg

cf=j= @)&&÷@)&*
;~rfns ;ldlt

sd{rf/L ;]jf ;'ljwf ;ldlt ;DklQ z'l4s/0f cg'udg ;ldlt hf]lvd Joj:yfkg ;ldlt n]vf k/LIf0f ;ldlt

k|d'v sfo{sf/L clws[t

;DklQ bfloTj ;ldlt $/&2
sDkgL ;lrjfno
gfoa k|d'v sfo{sf/L clws[t – sfo{qmd, Joj;fo gfoa k|d'v sfo{sf/L clws[t – hgzlQm, ;]jf

cfGtl/s n]vf k/LIf0f

Joj;fo k|jw{g, tflnd tyf ;"rgf k|ljlw ljefu of]hgf, cg';Gwfg tyf kl/of]hgf ljefu n]vf kl/If0f
shf{ sfo{qmd ljefu ljQ, hgzlQm tyf ;fdfGo k|zf;g ljefu ;ldlt
;lrjfno

46
sDKnfoG;
8s'd]G6]zg

shf{ Aoj:yfkg sfo{qmd ;+:yf cg'udg / ahf/ Pj+ Joj;fo ;"rgf k|ljlw tflnd zfvf Joj:yfkg ljQ tyf n]vf hgzlQm zfvf ;fdfGo k|zf;g sfg'g zfvf of]hgf / cg';Gwfg kl/of]hgf
zfvf zfvf hf]lvd Joj:yfkg k|jw{g zfvf zfvf zfvf zfvf zfvf Aoj:yfkg zfvf
;"rgf k|0fnL

g]kfn ;/sf/sf gofF C0f ;]jf ;km\6j]o/ k"lt{ tyf kl/rfng vl/b / e+8f/0f sfg'gL ;Nnfx / sfo{qmd tyf kl/of]hgf th'{df
shf{ nufgL, c;'nL ;+:yf cg'udg ;+:yfut g]kfn ;/sf/ ljQLo ljZn]if0f
sfo{{qmd 3URGXFW ljsf; ;~rfng / hgzlQm ;jf/L ;fwg 8s'd]G6]zg ah]6 lgdf{0f
tyf sfjf{xL ÷lg/LIf0f tfnLd / l/kf]l6{ª a}+s lx;fj le8fg
cg';/0f sfo{qmd u|fxs ;+/If0f / g]6jls{ª ljsf; Joj:yfkg ljefuLo sfg'gL cg';Gwfg kl/of]hgf cg'udg
shf{ hf]lvd Ifdtf ljsf; lgodgsf/L ah]6 lgoGq0f
x n3' shf{ ;DjGw Joj:yfkg ;"rgf sd{rf/L ;fk6L dd{t tyf lgd{f0f sfjf{xL cg'udg
;+:yfut ;~rfng hf]lvd s[[lif lgsfo l/kf]l6{ª sf]if Joj:yfkg
x kz'kfng÷ ;+:yfut ;fdflhs ;~rf/ / ;'ljwf k':tsfno lgtL sfof{Gjog, Onfsf sfof{no
t/sf/L shf{ ;'b[9Ls/0f ahf/ hf]lvd k|lzIffyL{ shf{ ;"rgf nufgL
/ ljsf; pQ/bfloTj ;~hfn lgodg tyf Aoj:yfkg lgodg / cg'udg
x u|fdL0f pBd÷ t/ntf hf]lvd hgzlQm l/kf]l6{ª sd{rf/L sNof0fsf/L
;+:yf Joj;fo lj:tf/ / ;'rgf ÷ z';f;g ;+:yfut ;'zf;g
:jfnDjg shf{ u'gf;f] tflnd j]e;fO6 sf]if Joj:Yffkg
k'g/:yfkgf ljQLo ;dfj]lztf 1fg Joj:yfkg cBfjlws sd{rf/L jLdf
shff{ gLlt÷ Joj:yfkg tyf k|sfzg  Joj:yfkg
sfo{ljlw lgdf{0f
x tyf kl/dfh{g shf{ cg'ud
shf{ ;b'kof]lutf
cg'udg lg/LIf0f

Onfsf sfof{no Onfsf sfof{no Onfsf sfof{no Onfsf sfof{no Onfsf sfof{no Onfsf sfof{no Onfsf sfof{no Onfsf sfof{no Onfsf sfof{no Onfsf sfof{no Onfsf sfof{no
latf{df]8 O6x/L alb{jf; x]6f}+8f ag]kf uh'/L a'6jn kf]v/f g]kfnu~h cQl/of jL/]Gb|gu/
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

cg';"rL–@
Digitization of SFACLs & Expansion of Access to Finance in Karnali
Province of Nepal (DSFACLs & A2F) kl/of]hgf sf] vr{sf] ljj/0f
Schedules of Fund Accountability Statement
For the period 16 July 2019 to 15 July 2020(FY 2019/20)
Current Year
SN Heads Schedule
Sakchyam SKBBL GoN Magnus SFACLs Total
Income
Grant/ Matching Fund 48,879,665.91 1,629,899.53 23,664,606.87 7,544,998.49 14,719,730.32 96,438,901.11
Total Income (A) 48,879,665.91 1,629,899.53 23,664,606.87 7,544,998.49 14,719,730.32 96,438,901.11
Expenses
1 Human Resources I 6,787,498.47 935,413.00 5,852,085.47 - - 13,574,996.94
2 Product Design II 174,590.05 - 174,590.05 - - 349,180.10
3 Financial Literacy III 807,505.62 - 807,505.62 - - 1,615,011.24
4 Software Design IV 3,437,212.62 - 422,213.69 3,014,998.93 - 6,874,425.24
Monitoring and Eval-
5 V 71,680.00 67,674.64 4,005.36 - - 143,360.00
uation
Client Members
6 VI 2,105,539.10 - 2,105,539.10 - - 4,211,078.20
Supports
Capability Enhance-
7 VII 4,529,999.56 - - 4,529,999.56 - 9,059,999.12
ment
8 Others VIII 29,531,282.60 576,874.89 14,298,667.58 - 14,719,730.32 59,126,555.38
9 Assets IX 49,937.00 49,937.00 - - - 99,874.00
Total Expenses (B) 47,495,245.02 1,629,899.53 23,664,606.87 7,544,998.49 14,719,730.32 95,054,480.22
Surplus/(Deficit)
from the Project 1,384,420.89 - - - - 1,384,420.89
(A-B)
Accumulated Fund
1,384,420.89 - - - - 1,384,420.89
Balance 15.07. 2019
Represented by -
Bank Balance (Agri-
cultural Development 1,384,420.89 - - - - 1,384,420.89
Bank Ltd)
Payables - - - - - -
Total 1,384,420.89 - - - - 1,384,420.89

47
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
cg';"rL–#
Fund Accountability Statement
For the period 16 July 2019 to 15 July 2020 (FY 2019/20)
SN Heads Total Expenses Sakchyam SKBBL GoN Magnus SFACLs
b Project_Advance 81,455,129.74 41,170,501.40 1,629,899.53 16,390,000.00 7,544,998.49 14,719,730.32
1 HUMAN RESOURCES 13,574,996.94 6,787,498.47 935,413.00 5,852,085.47 - -
1.1 Hiring Cost - - - - - -
1.2 Induction Training - - - - - -
1.3 Progress Review 518,770.94 259,385.47 - 259,385.47 - -
1.4 Salary-PC 1,600,000.00 800,000.00 0 800,000.00 - -
1.5 Salary-AO 1,870,826.00 935,413.00 935,413.00 - - -
1.6 Salary-RF 9,360,000.00 4,680,000.00 - 4,680,000.00 - -
1.7 Salary-SS 209,900.00 104,950.00 - 104,950.00 - -
1.8 Insurance 15,500.00 7,750.00 0 7,750.00 - -
2 PRODUCT DESIGN 349,180.10 174,590.05 - 174,590.05 - -
2.1 New Product Design 349,180.10 174,590.05 - 174,590.05 - -
3 FINANCIAL LITERACY 1,615,011.24 807,505.62 - 807,505.62 - -
3.1 Training Material design, printing and - - - - - -
publication
3.2 ToT on Financial Literacy Training 437,676.24 218,838.12 - 218,838.12 - -
3.3 Financial Literacy Training 1,177,335.00 588,667.50 - 588,667.50 - -
4 SOFTWARE DESIGN 6,874,425.24 3,437,212.62 - 422,213.69 3,014,998.93 -
4.1 Web-based Software - - - - - -
4.2 Android App 1,500,000.00 750,000.00 - - 750,000.00 -
4.3 Potential vender identification and - - - - - -
communication to SFACLs
4.4 Pre-Delivery Inspection of Tablets 61,118.92 30,559.46 - 30,559.46 - -
4.5 Migration of Software & Tablet 4,529,997.86 2,264,998.93 - - 2,264,998.93 -
Deployment Cost
4.6 Tablet Launching & member 783,308.46 391,654.23 - 391,654.23 - -
awarness Programme
4.7 Impact Study of Tablet and Software - - - - - -
5 MONITORING AND 143,360.00 71,680.00 67,674.64 4,005.36 - -
EVALUATION
5.1 Area Office 23,230.00 11,615.00 7,609.64 4,005.36 - -
5.2 Head Office 120,130.00 60,065.00 60,065.00 - - -
6 CLIENT MEMBER SUPPORT 4,211,078.20 2,105,539.10 - 2,105,539.10 - -
6.1 SYIB Training 975,131.70 487,565.85 - 487,565.85 - -
6.2 Mass Awarness Training 1,490,261.00 745,130.50 - 745,130.50 - -
6.3 Group Awarness Training 910,291.50 455,145.75 - 455,145.75 - -
6.4 Capacity Development Trainings 835,394.00 417,697.00 - 417,697.00 - -
7 CAPABILITY ENHANCEMENT 9,059,999.12 4,529,999.56 - - 4,529,999.56 -
7.1 Software operation Training 9,059,999.12 4,529,999.56 - - 4,529,999.56 -
8 OTHERS 59,190,545.56 29,531,282.60 576,874.89 14,298,667.58 - 14,719,730.32
8.1 SFACL Replication 28,584,320.15 14,292,160.08 - 14,292,160.08 - -
8.2 Tablet and Printer 29,439,460.63 14,719,730.32 - - - 14,719,730.32
8.3 Signing Ceremony - - - - - -
8.4 Branch Opening - - - - - -
8.5 Office Expenses 1,153,749.78 512,884.71 576,874.89 - - -
8.6 Travel Expenses 13,015.00 6,507.50 - 6,507.50 - -
9 ASSETS 99,874.00 49,937.00 49,937.00 - - -
9.1 Vehicles - - - - - -
9.2 Laptops - - - - - -
9.3 Projector - - - - - -
9.4 Branch Establishment 99,874.00 49,937.00 49,937.00 - - -
TOTAL 95,118,470.40 47,495,245.02 1,629,899.53 23,664,606.87 7,544,998.49 14,719,730.32

48
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

cg';"rL–$
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
;d"x æsÆ ;+:yfks z]o/wgL ;fgf ls;fg s[lif ;xsf/L ;+:yfx? tyf wf/0f u/]sf] z]o/ lsQf ;ª\Vof
-@)&& c;f]h d;fGtsf] ljj/0f cg';f/_

s'n z]o/
qm=;+= ;]=;=g= ;+:yfsf] gfd uf=lj=;= lhNnf
lsQf
1 6 ;fgf ls;fg ;xsf/L ;+:yf ln= >LcGt' O{nfd 14,353
2 32 ;fgf ls;fg ;xsf/L ;+:yf ln= ;dfnj'Ë O{nfd 11,735
3 33 ;fgf ls;fg ;xsf/L ;+:yf ln= hLtk'/ O{nfd 8,834
4 112 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= dxf/fgLemf]8f emfkf 33,976
5 5 ;fgf ls;fg ;xsf/L ;+:yf ln= k[YjLgu/ emfkf 28,106
6 28 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= afx'g8f+uL emfkf 17,527
7 27 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= h'/f]kfgL emfkf 18,928
8 31 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= ky/Lof emfkf 15,365
9 120 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= w/dk'/ emfkf 15,332
10 26 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= k+fruf5L emfkf 15,145
11 29 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= v'bgfjf/L emfkf 13,081
12 162 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= j}u'Gw/f emfkf 10,930
13 30 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= 3}nf8'Aaf emfkf 11,991
14 121 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln dxfef/f emfkf 13,461
15 119 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= jfn''jf8L emfkf 10,297
16 148 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= dx]zk'/ emfkf 8,321
17 220 ;fgf ls;fg dlxnf s[lif ;xsf/L ;+:Yff ln sf]xj/f emfkf 3,547
18 221 uf}/fbx ;fgf ls;fg dlxnf ;xsf/L ;+:Yff ln uf}/fbx emfkf 3,746
Onfsf sfof{no latf{df]8 cGtu{t hDdf 254,675
19 7 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= ;'Gb/k'/ df]/Ë 47,619
20 34 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= n]6fË df]/Ë 41,299
21 96 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= alaofljtf{ df]/Ë 31,711
22 183 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= b'nf/L df]/Ë 22,410
23 127 dlxnf ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= df]tLk'/ df]/Ë 19,598
24 128 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= a}hgfyk'/ df]/Ë 12,858
25 185 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= a]njf/L df]/Ë 15,534
26 35 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= d[uf}lnof df]/Ë 13,703
27 95 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= emf]/xf6 df]/Ë 9,313
28 161 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= kf6L df]/Ë 10,446
29 97 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= dw'dNnf df]/Ë 3,750
30 171 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= nvGt/L ;'g;/L 15,283
31 125 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= dx]Gb|gu/ ;'g;/L 32,833

49
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

s'n z]o/
qm=;+= ;]=;=g= ;+:yfsf] gfd uf=lj=;= lhNnf
lsQf
32 98
;fgf ls;fg s[lif ;xsf/L ;+:yf ln= ksln ;'g;/L 26,581
33 184 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= dWoxiff{xL ;'g;/L 12,453
34 99 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= l56fxf ;'g;/L 13,555
35 126 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= asnf}/L ;'g;/L 10,977
36 36 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= dw]nL ;'g;/L 10,609
37 37 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= dw'jg ;'g;/L 10,224
38 8 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= kf+rsGof ;'g;/L 8,997
Onfsf sfof{no O{6x/L cGtu{t hDdf 369,755
39 223 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= b]p/L pbok'/ 21,700
40 151 dlxnf ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;'Gb/k'/ pbok'/ 14,775
41 115 ;fgf ls;fg ;xsf/L ;+:yf ln= a;fxf pbok'/ 3,221
42 38 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= gs6L/fok'/ ;Kt/L 16,710
43 222 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= kftf] ;Kt/L 13,510
44 204 ;fgf ls;fg ;xsf/L ;+:yf ln= l;:jfj]NxL ;Kt/L 14,570
45 188 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= cf]b|fxf ;Kt/L 9,570
46 40 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= asw'jf ;Kt/L 5,384
47 39 ;fgf ls;fg ;xsf/L ;+:yf ln= x/Lx/k'/ ;Kt/L 3,223
48 47 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= t]/xf}tf ;Kt/L 1,968
49 186 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= k8/Lof l;/fxf 26,381
50 9 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= lji0f'k'/ l;/fxf 38,248
51 193 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= j:tLk'/ l;/fxf 24,310
52 41 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= nIdLk'/ l;/fxf 7,449
53 227 afnf;'Gb/L ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= eujfgk'/ l;/fxf 7,142
54 226 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= dxgf}/ l;/fxf 2,722
55 43 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= gs6flemh wg'iff 58,006
56 106 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= lbuDj/k'/ wg'iff 54,775
57 108 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= zfGtLk'/ wg'iff 45,313
58 42 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;v'jf dx]Gb|gu/ wg'iff 36,912
59 165 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= xl/x/k'/ wg'iff 26,734
60 170 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= uf]ljGbk'/ wg'iff 24,991
61 149 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= /3'gfyk'/ wg'iff 22,380
62 196 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= e/tk'/ wg'iff 19,573
63 169 ;fgf ls;fg ;xsf/L ;+:Yff ln= l;Uofxd8fg wg'iff 15,870
64 199 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= wg'iffwfd wg'iff 14,570
65 198 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ldlyn]Zj/ wg'iff 9,570
66 197 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= km'nufdf wg'iff 5,679
67 189 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= lu4f wg'iff 3,000

50
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

s'n z]o/
qm=;+= ;]=;=g= ;+:yfsf] gfd uf=lj=;= lhNnf
lsQf
68 192 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= k'iknk'/ wg'iff 2,800
69 187 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= /fduf]kfnk'/ dxf]Q/L 5,142
70 191 ;fgf ls;fg ax'p2]ZoLo ;xsf/L ;+:Yff ln= e+ufxf dxf]Q/L 19,573
71 203 ;fgf ls;fg ;xsf/L ;+:yf ln= lw/fk'/ dxf]Q/L 12,681
72 150 ;fgf ls;fg ;xsf/L ;+:yf ln= aGrf}/L dxf]Q/L 12,069
73 46 ;fgf ls;fg ;xsf/L ;+:yf ln= lj;gk'/ dxf]Q/L 4,911
74 45 ;fgf ls;fg ax\d\vL ;xsf/L ;+:yf ln= O6xjf{js§L dxf]Q/L 3,259
75 225 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= xnvf]/L dxf]Q/L 1,501
76 190 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= z+s/k'/ ;nf{xL 26,500
77 25 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= hJbL ;nf{xL 22,082
78 200 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= xl/k'/ ;nf{xL 12,226
79 202 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= nIdLk'/ ;nf{xL 12,073
80 201 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= elQmk'/ ;nf{xL 10,822
81 194 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= uf}/Lz+s/ ;nf{xL 10,069
82 195 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= xl/k'jf{ ;nf{xL 7,182
83 224 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= gf}s]njf ;nf{xL 9,570
84 44 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= lk+8f/L ;nf{xL 8,530
85 129 ;fgf ls;fg ;xsf/L ;+:Yff ln= aUbx ;nf{xL 4,901
Onfsf sfof{no alb{af; cGtu{t hDdf 734,144
86 56 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= s'Dk'/ wflbË 47,035
87 57 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;nfË wflbË 44,971
88 14 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= r}gk'/ wflbË 32,411
89 53 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= sNn]/L wflbË 27,975
90 54 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= a}/]gL wflbË 27,975
91 52 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= e"ld:yfg wflbË 27,023
92 55 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= uf]ugkfgL wflbË 22,438
93 63 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= hLjgk'/ wflbË 20,895
94 58 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= d}bL wflbË 18,668
95 60 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;Nofg6f/ wflbË 18,441
96 105 dlxnf ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= s]jnk'/ wflbË 16,041
97 104 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= yf+qm] wflbË 14,783
98 179 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= Hofd?Ë wflbË 14,497
99 15 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= 5q]b]p/fnL wflbË 14,296
100 61 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= 9f]nf wflbË 14,153
101 59 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;'gf}nfahf/ wflbË 10,538
102 100 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= w'iff wflbË 9,325
103 62 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= lqk'/]Zj/ wflbË 4,551

51
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

s'n z]o/
qm=;+= ;]=;=g= ;+:yfsf] gfd uf=lj=;= lhNnf
lsQf
104 231
>Ls[i0f ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= v/L wflbË 5,219
105 232 d'/nLe`HofË ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= d'/nLe`HofË wflbË 5,219
106 213 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= lhlnË g'jfsf]6 14,069
107 212 dlxnf ax'p2]ZoLo ;fgf ls;fg ;xsf/L ;+:yf ln= afu]Zj/L g'jfsf]6 10,868
Onfsf sfof{no uh'/L cGtu{t hDdf 421,390
108 182 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= /jLcf]kL sfe|]knfGrf]s 19,097
109 211 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= cg]sf]6 sfe|]knfGrf]s 15,270
Onfsf sfof{no ag]kf cGtu{t hDdf 34,367
110 13 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= dgx/L dsjfgk'/ 37,616
111 173 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= ah|af/fxL dsjfgk'/ 12,069
112 228 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= xf+8Lvf]nf dsjfgk'/ 5,756
113 229 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= a;fdf8L dsjfgk'/ 5,921
114 124 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;Gtk'/ /f}tx6 27,333
115 206 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= sgsk'/ /f}tx6 17,071
116 123 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= h]7l/of /f}tx6 14,922
117 208 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= /Ëk'/ /f}tx6 7,782
118 177 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;v'jf wdf}/f /f}tx6 7,504
119 210 ;fgf ls;fg art tyf tyf C0f ;xsf/L ;+:yf ln= lkk|f/hj8f /f}tx6 7,176
120 10 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= 8'd/jfgf jf/f 83,436
121 48 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= kmQ]k'/ jf/f 32,886
122 122 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= dgxjf{ jf/f 25,647
123 174 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ef]8fxf jf/f 20,400
124 209 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= x/}of jf/f 10,681
125 178 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= O{gjf{l;/f jf/f 10,144
126 205 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= pbok'/3'ld{ k;f{ 8,894
127 207 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= lgr'tf k;f{ 3,253
128 230 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= kbdk'/ lrtjg 5,850
129 11 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= lkKn] lrtjg 46,174
130 12 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= s'd/f]h lrtjg 41,929
131 49 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= jL/]Gb|gu/ lrtjg 39,040
132 50 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= j5\of}nL lrtjg 27,733
133 107 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= z'qmgu/ lrtjg 25,875
134 118 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= e08f/f lrtjg 22,155
135 51 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= d3f}nL lrtjg 17,308
136 152 dlxnf ;fgf ls;fg ;xsf/L ;+:yf ln= s7f/ lrtjg 16,131
137 181 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= bf/]rf]s lrtjg 12,129
138 180 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= v}/xgL lrtjg 12,669

52
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

s'n z]o/
qm=;+= ;]=;=g= ;+:yfsf] gfd uf=lj=;= lhNnf
lsQf
Onfsf sfof{no x]6f}+8f cGtu{t hDdf 605,483
139 65 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= dgsfdgf uf]/vf 23,408
140 66 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;'Gb/ahf/ ndh'Ë 15,171
141 145 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;/fËsf]6 sf:sL 23,804
142 164 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= dfemyfgf sf:sL 22,360
143 64 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= j]Ugf; sf:sL 13,960
144 168 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= /D3f6f/ ndh'Ë 14,125
145 163 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= lgd{nkf]v/L sf:sL 12,964
146 16 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= 9f]/lkmbL{ tgx'F 23,657
147 67 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= km]lbvf]nf :of~hf 35,352
148 101 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= bxy'd :of~hf 24,879
149 68 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= gf/fo0f:yfg jfUn'Ë 19,608
150 70 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= es'08] jfUn'Ë 14,391
151 69 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= t+u|fd jfUn'Ë 10,464
152 146 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= k}o"+kf6f jfUn'Ë 7,810
153 147 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= jfh'Ë kj{t 10,095
154 153 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= dNnfh kj{t 11,544
155 214 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ks'jf kj{t 7,852
Onfsf sfof{no kf]v/f cGtu{t hDdf 291,442
156 103 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= lvNhL c3f{vfFrL 21,273
157 23 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= g/kfgL c3f{vfFrL 18,205
158 156 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= vfrLsf]6 c3f{vfFrL 17,741
159 102 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= dfs/ gjnk/f;L 42,394
160 81 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= cUof}{nL gjnk/f;L 38,300
161 78 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= /fdgu/ gjnk/f;L 37,077
162 77 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= lqj]0fL gjnk/f;L 33,904
163 80 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= a`hl/of gjnk/f;L 30,689
164 109 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ltnsk'/ gjnk/f;L 28,967
165 116 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= bfpGg]b]jL gjnk/f;L 28,971
166 79 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= k+rgu/ gjnk/f;L 21,098
167 134 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= s'df/jtL{ gjnk/f;L 14,574
168 216 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= hxbf gjnk/f;L 9,417
169 17 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= cfgGbjg ?kGb]xL 89,192
170 133 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= l6s'nLu9 ?kGb]xL 44,999
171 72 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= dwjlnof ?kGb]xL 44,589
172 75 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= z+s/gu/ ?kGb]xL 38,443
173 110 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= b'w/fIf ?kGb]xL 33,767

53
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

s'n z]o/
qm=;+= ;]=;=g= ;+:yfsf] gfd uf=lj=;= lhNnf
lsQf
174 74
;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;]dnf/ ?kGb]xL 31,697
175 71 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;fnem08L ?kGb]xL 34,163
176 130 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= k/f{]xf ?kGb]xL 33,674
177 132 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= uf]gfxf ?kGb]xL 32,677
178 76 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= s]/jfgL ?kGb]xL 26,379
179 114 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= u+uf]lnof ?kGb]xL 21,243
180 131 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= s/lxof ?kGb]xL 19,463
181 73 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= b]jbx ?kGb]xL 17,075
182 215 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= v8\jfjgufO{ ?kGb]xL 10,069
183 19 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= df]ltk'/ slknj:t' 31,719
184 135 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= a'8\8L slknj:t' 21,197
185 82 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= a/snfk'/ slknj:t' 20,726
186 18 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= enjf8 slknj:t' 13,453
187 154 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= a8fufpF u'NdL 27,522
188 155 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= u}+f8fsf]6 u'NdL 15,713
189 117 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= cu{nL kfNkf 10,325
190 136 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= v:of}nL kfNkf 8,325
Onfsf sfof{no a'6jn cGtu{t hDdf 969,021
191 86 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= afFu];fn Ko'7fg 12,208
192 84 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= p/x/L bfË 27,232
193 143 dlxnf ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;f}l8of/ bfË 26,605
194 83 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= nIdLk'/ bfË 19,933
195 160 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= wgf}/L bfË 17,211
196 167 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= >Lufp+ bfË 17,071
197 113 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= /fdk'/ bfË 15,540
198 85 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= uf]j/l8xf bfË 8,309
199 142 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;tjl/of bfË 10,075
200 20 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= dxfb]jk'/L afFs] 26,375
201 87 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= gf}j:tf afFs] 21,654
202 138 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= sDbL afFs] 20,107
203 88 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= srgfk'/ afFs] 9,251
204 158 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= k'/}gL afFs] 10,269
205 137 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= lr;fkfgL afFs] 8,178
206 89 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= tf/ftfn alb{of 32,077
207 90 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;fgf]>L alb{of 26,828
208 172 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= 8]p9fsnf alb{of 22,672
209 141 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= kb\gfxf jalb{of 22,078

54
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

s'n z]o/
qm=;+= ;]=;=g= ;+:yfsf] gfd uf=lj=;= lhNnf
lsQf
210 140 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= d}gfkf]v/ alb{of 19,587
211 176 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= sflnsf alb{of 18,990
212 139 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= g]jnfk'/ alb{of 15,974
213 159 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= lzjk'/ alb{of 15,023
214 233 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= 9f]9/L alb{of 5,219
Onfsf sfof{no g]kfnu~h cGtu{t hDdf 428467
215 144 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= sk'/sf]6 ;Nofg 12,544
216 21 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= pQ/u+uf ;'v{]t 39,396
217 91 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= nf6Lsf]O{nL ;'v{]t 29,609
218 157 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= n]vkm;f{ ;'v{]t 16,503
219 166 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= d]x]ns'gf ;'v{]t 14,025
220 111 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;f6fvfgL ;'v{]t 9,474
221 92 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= /fd3f6 ;'v{]t 3,450
Onfsf sfof{no jL/]Gb|gu/ cGtu{t hDdf 125,001
222 218 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= af}lgof s}nfnL 15,972
223 219 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= dfnfv]lt s}nfnL 13,483
224 24 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= >Lk'/ s}nfnL 10,824
225 93 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= k|tfkk'/ s}nfnL 10,164
226 175 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= u]6f s}nfnL 9,110
227 22 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= b}hL sGrgk'/ 28,134
228 94 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= ;'8f sGrgk'/ 21,410
229 217 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= lqe'jg jl:t sGrgk'/ 12,469
230 234 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= k/f;g sGrgk'/ 5,219
231 235 ;fgf ls;fg s[lif ;xsf/L ;+:Yff ln= sflnsf sGrgk'/ 5,219
Onfsf sfof{no cQl/of cGtu{t hDdf 132,004
s'n hDdf 4,365,749

55
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

n]vfk/LIf0f k|ltj]bg

56
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

@)&& ;fn cf;f/ d;fGtsf]
jf;nft

k'FhL tyf bfloTj cg';"rL o; jif{ ?= ut jif{ ?=

!= z]o/ k'FhL $=! 1,250,286,782.08 1,000,229,425.66
@= hu]8f tyf sf]ifx? $=@ 1,692,445,903.79 1,427,075,495.80
#= C0fkq tyf aG8 $=# - -
$= ltg{ afFsL shf{ ;fk6 $=$ 19,374,243,082.85 17,650,340,250.18
%= lgIf]k bfloTj $=% - -
^= k|:tfljt gub nfefFz 13,160,913.50 11,273,395.45
&= cfos/ bfloTj - -
*= cGo bfloTj $=^ 2,050,846,373.01 1,851,307,484.34
s'n k'FhL tyf bfloTj 24,380,983,055.23 21,940,226,051.43

;DklQ cg';"rL o; jif{ ?= ut jif{ ?=

!= gub df}Hbft -l;Ssf ;d]t_ - 700,000.00
@= g]kfn /fi6« a}+}sdf /x]sf] df}Hbft 121,380,526.37 90,000,000.00
#= a}s÷ljQLo ;+:yfdf /x]sf] df}Hhft $=& 151,704,927.52 83,370,394.98
$= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd 2,296,934,828.50 1,319,910,971.55
%= nufgL $=* 891,171,200.00 191,171,200.00
^= shf{ ;fk6 $=( 20,823,480,671.69 20,154,655,843.37
&= :yL/ ;DklQ $=!) 19,058,247.92 19,378,271.41
*= u}/ a}lsË ;DklQ $=!! - -
(= cGo ;DklQ $=!@ 77,252,653.23 81,039,370.12
s'n ;DklQ 24,380,983,055.23 21,940,226,051.43

;Defljt bfloTj cg';"rL $=!#

;~rfnsx?sf] 3f]if0ff cg';"rL $=@#
k'FhLsf]if tflnsf cg';"rL $=@$
hf]lvd efl/t ;DklQ ljj/0f tflnsf cg';"rL $=@$-s_
k|d'v ;"rsfÍx? cg';"rL $=@%
k|d'v n]vf gLltx? cg';"rL $=@^
n]vf ;DaGwL l6Kk0fLx? cg';"rL $=@&
$=! b]lv $=!# ;Ddsf cg';"rLx? Jff;nftsf cleGg c+u x'g\ .
xfd|f] ;+nUg k|ltj]bgsf] cg';f/

c~h' kf7s 8f=gj/fh l;+v8f 8f= lzj/fd k|;fb sf]O/fnf ;L=P= vu]Gb| e§/fO{
ljefuLo k|d'v gfoj k|d'v sfo{sf/L clws[t k|d'v sfo{sf/L clws[t vu]Gb| P08 P;f]l;P6\;
ljQ, hgzlQm tyf ;fdfGo rf6{8{ Psfp06]06\;\
k|zf;g ljefu

pd]z nD;fn /ljGb| ofbj e'k]z 5Ts'nL k|tfk ;'j]bL rfFbgL 9sfn
;~rfns ;~rfns ;~rfns ;~rfns ;~rfns
v]d axfb'/ kf7s
cWoIf

ldltM @)&&÷)*÷@# 57
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

ldlt @)&^÷)$÷)! b]]lv @)&&÷)#÷#! ;Dd
gfkmf gf]S;fg lx;fj

ljj/0f cg';'rL o; jif{ ?= ut jif{ ?=

!= Jofh cfDbfgL 4.14 2,264,747,229.15 1,990,677,336.57
@= Jofh vr{ 4.15 1,124,543,452.78 1,070,812,956.10
v'b Jofh cfDbfgL 1,140,203,776.37 919,864,380.47
#= sld;g tyf cGo ;+rfng cfDbfgL 4.16 661,710.54 284,888.96
$= ;6xL 36j9 cfDbfgL - -
s"n ;~rfng cfDbfgL 1,140,865,486.91 920,149,269.43
%= sd{rf/L vr{ 4.17 82,308,719.47 58,803,528.72
^= cGo ;~rfng vr{ 4.18 52,703,581.34 42,958,759.23
&= ;6xL 36j9 gf]S;fg - -
;Defljt gf]S;fgL cl3sf] ;~rfng d'gfkmf 1,005,853,186.10 818,386,981.48
*= ;Defljt gf]S;fgL Joj:yfx? 4.19 163,451,876.35 74,579,176.26
;~rfng d'gfkmf 842,401,309.75 743,807,805.22
(= u}/ ;~rfng cfDbfgL÷vr{ 4.20 1,201,165.58 997,982.59
!)= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 4.21 39,918,194.38 30,145,113.18
lgoldt sf/f]jf/af6 ePsf] d'gfkmf 883,520,669.71 774,950,900.99
!!= c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL÷vr{ 4.22 - -
;Dk'0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 883,520,669.71 774,950,900.99
!@= sd{rf/L jf]g; Joj:yf 88,352,066.97 70,450,081.91
!#= cfos/ Joj:yf 238,950,748.24 212,984,680.28
y o; jif{sf] s/ Joj:yf 242,606,075.04
2 2,6 6, 5. 212,464,681.89
212, 6 ,681.89
y ljut jif{;Ddsf] s/ Joj:yf - 1,357,743.67
y o; jif{sf] :yug s/ cfDbfgL÷vr{ (3,655,326.80) (837,745.28)

v'b gfkmf÷gf]S;fg 556,217,854.50 491,516,138.80

$=!$ b]lv $=@@ ;Ddsf cg';"rLx¿ gfkmf gf]S;fg lx;fjsf cleGg c+u x'g\ . xfd|f] ;+nUg k|ltj]bgsf] cg';f/

c~h' kf7s 8f=gj/fh l;+v8f 8f= lzj/fd k|;fb sf]O/fnf ;L=P= vu]Gb| e§/fO{
ljefuLo k|d'v gfoj k|d'v sfo{sf/L clws[t k|d'v sfo{sf/L clws[t vu]Gb| P08 P;f]l;P6\;
ljQ, hgzlQm tyf ;fdfGo rf6{8{ Psfp06]06\;\
k|zf;g ljefu

pd]z nD;fn /ljGb| ofbj e'k]z 5Ts'nL k|tfk ;'j]bL rfFbgL 9sfn
;~rfns ;~rfns ;~rfns ;~rfns ;~rfns
v]d axfb'/ kf7s
cWoIf

ldltM @)&&÷)*÷@#

58
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

gfkmf gf]S;fg afF8kmfF8 lx;fj
ldlt @)&^÷)$÷)! b]]lv @)&&÷)#÷#! ;Dd

ljj/0f cg';'rL o; jif{ ?= ut jif{ ?=

cfDbfgL
!= ut jif{;Ddsf] ;+lrt d"gfkmf 400,306,373.87 320,931,006.78
@= o; jif{sf] d"gfkmf 556,217,854.50 491,516,138.80
#= ;+:yfut ;fdflhs pQ/bfloTj sf]ifaf6 lkmtf{ 2,060,000.00 120,000.00
$= ;6xL 36a9 sf]if -
hDdf 958,584,228.37 812,567,145.58
vr{
!= ut jif{;Ddsf] ;l~rt gf]S;fg - -
@= o; jif{sf] gf]S;fg - -
#= ;fwf/0f hu]8f sf]if 111,243,570.90 98,303,227.76
$= e}k/L cfpg] hu]8f - -
%= ;+:yf ljsf; sf]if - -
^= nfef+z ;dLs/0f sf]if - -
&= sd{rf/L ;DaGwL hu]8fx¿ -sNof0fsf/L sf]if_ 27,810,892.73 24,575,806.94
*= k|:tfljt nfef+z 13,160,913.50 11,273,395.45
(= k|:tfljt af]g; z]o/ 250,057,356.42 214,194,513.55
!)= ljz]if hu]8f sf]if - -
!!= ;6xL 36a9 sf]if - -
!@= k'FhL lkmtf{ hu]8f sf]if - -
!#= k'FhL ;dfof]hg sf]if - -
!$= u|fxs ;+/If0f sf]if 21,355,274.74 21,980,393.03
!%= sd{rf/L bIftf clej[l4 sf]if - -
!^= ;+:yfut ;fdflhs pQ/bfloTj sf]if 21,355,274.74 4,915,161.39
!&= k'g/:yfkgf sf]if 16,686,535.64 14,745,484.16
!*= ;+:yfut ;'b[9Ls/0f sf]if 12,911,235.97 22,256,059.46
!(= ut jif{sf] ;dfof]hg - 16,729.97
hDdf 474,581,054.64 412,260,771.71
@)= ;l~rt d'gfkmf÷-gf]S;fg_ 484,003,173.73 400,306,373.87
xfd|f] ;+nUg k|ltj]bgsf] cg';f/

c~h' kf7s 8f=gj/fh l;+v8f 8f= lzj/fd k|;fb sf]O/fnf ;L=P= vu]Gb| e§/fO{
ljefuLo k|d'v gfoj k|d'v sfo{sf/L clws[t k|d'v sfo{sf/L clws[t vu]Gb| P08 P;f]l;P6\;
ljQ, hgzlQm tyf ;fdfGo rf6{8{ Psfp06]06\;\
k|zf;g ljefu

pd]z nD;fn /ljGb| ofbj e'k]z 5Ts'nL k|tfk ;'j]bL rfFbgL 9sfn
;~rfns ;~rfns ;~rfns ;~rfns ;~rfns
v]d axfb'/ kf7s
cWoIf
ldltM @)&&÷)*÷@#

59
 ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8
!(
cf}+

OSjL6Ldf ePsf] kl/jt{g ;DjlGw ljj/0f

@)&^÷&&

cf=j= @)&^÷)&& -?=_

jflif{s k|ltj]bg

k'Flhut z]o/ ;6xL 36a9 :yug s/ hu]8f

ljj/0f z]o/ k'FhL ;l~rt gfkmf÷gf]S;fg ;fwf/0f hu]8f sf]if cGo hu]8f tyf sf]if s'n /sd
hu]8f÷cg'bfg sf]if lk|ldod sf]if sf]if
z'? df}Hbft 1,000,229,425.66 400,306,373.87 386,153,409.77 268,526,243.20 - - 6,611,730.66 365,477,738.30 2,427,304,921.46

:yug s/ - -

u|fxs ;+/If0f sf]if 0.00 0.00

sd{rf/L bIftf clej[l4 sf]if - -

;fdflhs pQ/bfloTj sf]if (2,060,000.00) (2,060,000.00)

;dfof]lht z'? df}Hbft 1,000,229,425.66 400,306,373.87 386,153,409.77 268,526,243.20 - - 6,611,730.66 363,417,738.30 2,425,244,921.46

;dfof]hg -

o; jif{sf] gfkmf 556,217,854.50 556,217,854.50

gfkmf jfF8kmfF8 (211,362,784.72) 111,243,570.90 - 100,119,213.82 -

z]o/ k'FhL yk 250,057,356.42 250,057,356.42

o; jif{ yk cGo sf]if 2,060,000.00 181,716.14 - 2,241,716.14

k|:tfljt nfef+z÷af]g; (263,218,269.92) (263,218,269.92)

60
sd{rf/L sNof0f sf]if - (27,810,892.73) (27,810,892.73)

ut jif{sf] ;dfof]hg - -

clGtd df}Hbft 1,250,286,782.08 484,003,173.73 497,396,980.67 268,707,959.34 - - 6,611,730.66 435,726,059.39 2,942,732,685.87

xfd|f] ;+nUg k|ltj]bgsf] cg';f/

c~h' kf7s ;L=P= vu]Gb| e§/fO{

8f=gj/fh l;+v8f 8f= lzj/fd k|;fb sf]O/fnf vu]Gb| P08 P;f]l;P6\;
ljefuLo k|d'v k|d'v sfo{sf/L clws[t
ljQ, hgzlQm tyf ;fdfGo k|zf;g ljefu gfoj k|d'v sfo{sf/L clws[t rf6{8{ Psfp06]06\;\

pd]z nD;fn v]d axfb'/ kf7s

/ljGb| ofbj e'k]z 5Ts'nL k|tfk ;'j]bL rfFbgL 9sfn cWoIf
;~rfns ;~rfns ;~rfns ;~rfns ;~rfns
ldltM @)&&÷)*÷@#
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
 ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8
OSjL6Ldf ePsf] kl/jt{g ;DjlGw cGo hu]8f tyf sf]ifsf] ljj/0f
cf=j= @)&^÷)&& -?=_
sd{rf/L ;+:yfut ;fdflhs ;+:yfut ;'b[9Ls/0f ljk|]if0f hf]lvd nufgL ;dfof]hg
ljj/0f u|fxs ;+/If0f sf]if bIftf C0f df]rg sf]if cg';/0f sf]if k'g/:yfkgf sf]if s'n /sd
pQ/bfloTj sf]if sf]if sf]if sf]if
clejl4 sf]if
z'? df}Hbft 55,677,616.10 - 11,733,391.23 103,661,613.00 10,509,554.00 125,202,626.75 58,408,103.55 274,833.67 10,000.00 365,477,738.30

;fdflhs pQ/bfloTj sf]if (2,060,000.00) (2,060,000.00)

;dfof]lht z'? df}Hbft 55,677,616.10 - 9,673,391.23 103,661,613.00 10,509,554.00 125,202,626.75 58,408,103.55 274,833.67 10,000.00 363,417,738.30

;dfof]hg -

gfkmf jfF8kmfF8 21,355,274.74 - 21,355,274.74 - - 12,911,235.97 16,686,535.64 - 72,308,321.09

ut jif{sf] ;dfof]hg - -
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

clGtd df}Hbft 77,032,890.84 - 31,028,665.97 103,661,613.00 10,509,554.00 138,113,862.72 75,094,639.19 274,833.67 10,000.00 435,726,059.39

61
!(
cf}+
@)&^÷&&
jflif{s k|ltj]bg
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

gub k|jfx ljj/0f
ldlt @)&^÷)$÷)! b]]lv @)&&÷)#÷#! ;Dd

ljj/0f o; jif{ ?= ut jif{ ?=

-s_ sf/f]jf/ ;+rfngaf6 gub k|jfx (1,125,283,978.30) (2,798,455,562.25)
!= gub k|flKt 2,172,932,977.34 1,937,465,064.31
!=! Jofh cfDbfgL 2,172,237,266.80 1,937,180,175.35
!=@ ckn]lvt shf{sf] c;'nL - -
!=# sdLzg tyf cGo cfDbfgL 695,710.54 284,888.96
@= gub e"QmfgL 1,574,713,109.24 1,455,376,192.81
@=! Jofh vr{ 1,124,543,452.78 1,070,812,956.10
@=@ sd{rf/L vr{ 70,008,278.15 55,019,994.72
@=# sfof{no ;+rfng vr{ 47,023,060.27 37,636,094.63
@=$ cfos/ e'QmfgL 238,112,429.19 216,094,496.24
@=% cGo vr{ 95,025,888.85 75,812,651.12
sfo{ut k'FhL ultljlw cl3sf] gub k|jfx 598,219,868.10 482,088,871.50
;+rfng ;DjlGw rfn' ;DklQdf sdL÷-j[l4_ (1,889,605,222.90) (3,605,615,013.77)
!= dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ (977,023,856.95) (36,578,661.66)
@= cGo cNksfnLg nufgLdf sdL÷-j[l4_ - -
#= shf{df sdL÷-j[l4_ (915,233,064.22) (3,565,836,815.79)
$= cGo ;DklQdf sdL÷-j[l4_ 2,651,698.27 (3,199,536.32)
;++rfng ;DjlGw rfn' bfloTjdf sdL÷-j[l4_ 166,101,376.50 325,070,580.02
!= lgIf]kdf bfloTjdf -sdL÷-j[l4_ - -
@= cNksfnLg ;fk6Ldf -sdL_÷j[l4 - -
#= cGo bfloTjdf -sdL_÷j[l4 166,101,376.50 325,070,580.02
-v_ nufgL sf/f]jf/df gub k|jfx (612,603,215.23) (47,752,605.72)
!= bL3{sflng nufgLdf sdL÷-j[l4_ (700,000,000.00) (93,000,000.00)
@ :yL/ ;DkQLdf
@= ; kQLdf sdL÷-j[
sdL÷-jl4_
l4_ (5 113 177 58)
(5,113,177.58) (8 249 766 94)
(8,249,766.94)
#= bL3{sflng nufgLdf Aofh cfDbfgL 92,509,962.35 53,497,161.22
$= nfef+z cfDbfgL - -
%= cGo - -
-u_ ljQLo >f]t sf/f]jf/af6 gub k|jfx 1,836,902,252.44 1,901,095,278.93
!= bL3{sflng C0f -j08, l8j]Gr/ cflb_ df j[l4÷-sdL_ 1,724,986,696.67 1,908,411,696.98
@= z]o/ k'FhLdf j[l4÷-sdL_ - -
#= cGo bfloTjdf j[l4÷-sdL_ 112,999,419.77 (6,232,554.05)
$= g]kfn /fi6« a}}+saf6 k|fKt ;x'lnot÷k'g/shf{df j[l4÷-sdL_ (1,083,864.00) (1,083,864.00)

-3_ gub tyf a}+s df]Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ - -

-ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 99,015,058.91 (945,112,889.04)

-r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 174,070,394.98 1,119,183,284.02
-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 273,085,453.89 174,070,394.98
xfd|f] ;+nUg k|ltj]bgsf] cg';f/

c~h' kf7s 8f=gj/fh l;+v8f 8f= lzj/fd k|;fb sf]O/fnf ;L=P= vu]Gb| e§/fO{
ljefuLo k|d'v gfoj k|d'v sfo{sf/L clws[t k|d'v sfo{sf/L clws[t vu]Gb| P08 P;f]l;P6\;
ljQ, hgzlQm tyf ;fdfGo rf6{8{ Psfp06]06\;\
k|zf;g ljefu

pd]z nD;fn /ljGb| ofbj e'k]z 5Ts'nL k|tfk ;'j]bL rfFbgL 9sfn
;~rfns ;~rfns ;~rfns ;~rfns ;~rfns
v]d axfb'/ kf7s
cWoIf
ldltM @)&&÷)*÷@#
62
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

cg';"rL $=!

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

z]o/ k'FhL tyf :jfldTj
-@)&& cfiff9 d;fGt_

ljj/0f o; jif{ ?= ut jif{ ?=

!= z]o/ k'FhL
!=! clws[t k'FhL 2,000,000,000.00 1,000,000,000.00
s_ @,)),)),))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 2,000,000,000.00 1,000,000,000.00
v_ ====gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ? =====n] - -
u_ ====l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ? =======n] - -
!=@ hf/L k'FhL 1,000,229,425.66 1,000,000,000.00
s_ !,)),)@,@($=@^ ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 1,000,229,425.66 1,000,000,000.00
v_ === gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ? ===n]] - -
u_ ==== l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ? =======n] - -
!=# r'Qmf k'FhL 1,000,229,425.66 786,034,912.11
s_ !,)),)@,@($=@^ ;fwf/0f z]o/ k|lt z]o/n] ?= !)) n] 1,000,229,425.66 786,034,912.11
v_ === gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ? =====n] - -
u_ ===== l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ? =====n] - -
!=$ k|:tfljt jf]g; z]o/ 250,057,356.42 214,194,513.55
!=% sN; Og P8efG; - -
!=^ hDdf /sd -!=#±!=$±!=%_ 1,250,286,782.08 1,000,229,425.66

o; jif{ ?= ut jif{ ?=
z]o/ :jfldTj ljj/0f
k|ltzt z]o/ k'FhL z]o/ k'FhL k|ltzt
!= :jb]zL :jfldTj 100.00 1,000,229,425.66 786,034,912.11 100.00

!=! g]kfn ;/sf/ - - - -

!=@ æsÆ ju{sf] Ohfhtkqk|fKt ;+:yfx? 26.28 262,855,863.80 206,566,494.14 26.28
!=# cGo Ohfhtkqk|fKt ;+:yfx? - - - -
!=$ cGo ;+:yfx? -;fgf ls;fg ;xsf/L ;+:yfx?_ 43.65 436,596,315.77 343,101,199.22 43.65
!=% ;j{;fwf/0f 30.07 300,777,246.09 236,367,218.75 30.07
!=^ cGo - - - -
@= a}b]lzs :jfldTj - - - -
hDdf 100.00 1,000,229,425.66 786,034,912.11 100.00

63
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
cg'';"rL $=!-s_

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

@)&& ;fn cf;f/ d;fGtsf]
z]o/ k'FhL tyf :jfldTj
@)&& cfiff9 d;fGt;Dddf )=% k|ltzt eGbf al9 :jfldTj x'g] ;+:yfks tyf ;fwf/0f z]o/wgLx?sf] ljj/0f
!_ ;+:yfks z]o/wgL
qm=;+= ;+:yfks z]o/ wgLsf] gfd, 7]ufgf hDdf lsQf z]o/ /sd k|ltzt

1 s[lif ljsf; a}+s ln=, d'Vo sfof{no sf7df8f}+ 2,203,446.21 220,344,621.22 22.03
2 gljn a}+s ln= sf7df8f}+ 303,652.18 30,365,217.65 3.04
3 g]kfn a}+s ln=, k|wfg sfof{no sf7df8f}+ 121,460.25 12,146,024.93 1.21
4 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= cfgGbjg ?kGb]xL 89,193.31 8,919,330.86 0.89
5 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= 8'd/jfgf af/f 83,437.23 8,343,723.44 0.83
6 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= gS6flemh wg'iff 58,007.12 5,800,711.72 0.58
7 ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= lbuDj/k'/ wg'iff 54,776.16 5,477,616.02 0.55
hDdf 2,913,972.46 291,397,245.83 29.13

64
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

cg';"rL $=@

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

hu]8f tyf sf]ifx?
-@)&& cfiff9 d;fGt_
ljj/0f o; jif{ ? ut jif{ ?
!= ;fwf/0f÷a}wflgs hu]8f sf]if 497,396,980.67 386,153,409.77
@= k'FhLut hu]8f sf]if - -
#= k'FhL lkmtf{ hu]8f sf]if - -
$= k'FhL ;dfof]hg sf]if - -
%= cGo hu]8f tyf sf]if 711,045,749.39 640,615,712.16
%=! e}k/L cfpg] hu]8f - -
%=@ ;+:yf ljsf; sf]if - -
%=# nfef+z ;lds/0f sf]if - -
%=$ ljz]if hu]8f sf]if - -
%=% ;DklQ k'gd"{Nof+sg sf]if - -
%=^ u|fxs ;+/If0f sf]if 77,032,890.84 55,677,616.10
%=& sd{rf/L bIftf clej[l4 sf]if - -
%=* ;+:yfut ;fdflhs pQ/bfloTj sf]if 31,028,665.97 11,733,391.23
%=( cGo :jtGq sf]if - -
%=!) cGo hu]8f sf]if 602,984,192.58 573,204,704.83
%=!)=! C0f df]rg sf]if 103,661,613.00 103,661,613.00
%=!)=@ cg';/0f sf]if 10,509,554.00 10,509,554.00
%=!)=# ;+:yfut ;'b[9Ls/0f sf]if 138,113,862.72 125,202,626.75
%=!)=$ k'g/:yfkgf sf]if 75,094,639.19 58,408,103.55
%=!)=% ljk|]if0f hf]lvd sf]if 274,833.67 274,833.67
%=!)=^ nufgL ;dfof]hg sf]if 10,000.00 10,000.00
%=!)=& cg'bfg tyf k'FhLut hu]8f sf]if 268,707,959.34 268,526,243.20
%=!)=* :yug s/ hu]8f 6,611,730.66 6,611,730.66
^= ;l~rt gfkmf÷gf]S;fg 484,003,173.7300 400,306,373.87
&= ;6xL 36a9 sf]if - -
*= hDdf 1,692,445,903.79 1,427,075,495.80

65
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
cg'';"rL $=#

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

C0fkq tyf j08
-@)&& cfiff9 d;fGt_
ljj/0f o; jif{ ? ut jif{ ?
!= ======================== k|ltzt j08÷C0fkq k|lt
j08÷C0fkq==========?============== n]
ldlt==================df hf/L ePsf] / ldlt===========df - -

r'Qmf x'g] -xfn;Ddsf] Redemption Reserve

/sd ?===============================_
@= ======================== k|ltzt j08÷C0fkq k|lt
j08÷C0fkq==========?============== n]
ldlt==================df hf/L ePsf] / ldlt===========df - -
r'Qmf x'g] -xfn;Ddsf] Redemption Reserve
/sd ?=============================_
#= ============= ============ - -

hDdf !±@±# - -

cg'';"rL $=$

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

ltg{ afFsL shf{ -;fk6L_
-@)&& cfiff9 d;fGt_
ljj/0f o; jif{ ? ut jif{ ?
s :jb]zL
!= g]kfn ;/sf/ 11,080,597,044.05 8,651,001,000.00
@= g]kfn /fi6« a}+s 1,744,796.00 2,828,660.00
#= l/kf] bloTj - -
$= j}+s tyf ljQLo ;+:yf 8,291,901,242.80 8,996,510,590.18
%= cGo ;+ul7t ;+:yfx? - -
^= cGo - -
hDdf 19,374,243,082.85 17,650,340,250.18
v= ljb]zL
!= a}+sx? - -
@= cGo - -
hDdf - -
u hDdf -s±v_ 19,374,243,082.85 17,650,340,250.18

66
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

cg'';"rL $=%
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8
lgIf]k lx;fj
-@)&& cfiff9 d;fGt_
ljj/0f o; jif{ ? ut jif{ ?
!= Aofh ltg'{ gkg]{ vftfx? - -
!=! clgjfo{ jrt lgIf]k - -
!=@ :j]lR5s jrt lgIf]k - -
!=# ;j{;fwf/0fjf6 ;+sng u/]sf] lgIf]k jrt - -
!=$ cGo lgIf]k - -
Aofh ltg'{ kg]{ vftfx?sf] hDdf - -
@= Aofh ltg'{ kg]{ vftfx? - -
@=! clgjfo{ jrt lgIf]k - -
@=@ :j]lR5s jrt lgIf]k - -
@=# ;j{;fwf/0fjf6 ;+sng u/]sf] lgIf]k jrt - -
@=$ cGo lgIf]k - -
-!±@_ hDdf lgIf]k - -

cg'';"rL $=^

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

cGo bfloTj
-@)&& cfiff9 d;fGt_
ljj/0f o; jif{ ? ut jif{ ?
!= k]G;g÷pkbfg sf]if 22,094,042.32 14,399,239.00
@= ljbf jfktsf] Joj:yf 16,066,450.00 11,460,812.00
#= sd{rf/L ;~ro sf]if - -
$= sd{rf/L sNof0f sf]if 27,810,892.73 24,575,806.94
%= sd{rf/L jf]g; Joj:yf 88,352,066.97 70,450,081.91
^= lgIf]kdf e'QmfgL lbg afFsL Jofh - -
&= ;fk6Ldf e'QmfgL lbg afFsL Jofh - -
*= ;08«L qm]l86;{ 1,384,420.90 8,061,402.89
(= zfvf ldnfg lx;fa - 1,374,970.87
!)= :yug s/ bfloTj - -
!!= e'QmfgL lbg' kg]{ lanx? 6,604,066.02 2,894,572.74
!@= e'QmfgL lbg afFsL nfef+z - -
!#= cGo 1,888,534,434.07 1,718,090,597.99
s_ t/ntf / ;+:yfut art 1,727,148,709.33 1,487,032,595.85
v_ tflnd tyf uf]i7L cg'bfg sf]if 1,798.25 1,798.25
u_ cGo cg'bfg sf]if 3,535,958.00 3,929,547.00
3_ ;fgf ls;fg s[lif k|lzIffyL{ sfo{s|d w/f}6L /sd 66,987,500.86 144,863,344.15
ª_ e'QmfgL lbg afFsL ;+rfng vr{ 1,088,599.63 302,410.05
r_ e'QmfgL lbg afFsL cu|Ld s/ s§L 6,815,533.88 4,784,310.79
5_ e'QmfgL lbg afFsL -sd{rf/L_ 78,738.77 669,412.70
h_ cg';/0f sfo{qmd 72,492,382.61 66,065,163.06
em_ tflnd / cGo sfo{qmd 1,400,270.00 3,160,981.00
`_ kz'wg ;'/If0f 1,544,048.75 1,331,391.51
6_ ;'rgf k|ljlw sf]if 1,000,000.00 1,000,000.00
7_ ;'rgf k|ljlw 3'DtL sf]if 1,000,000.00 1,100,000.00
8_ ;fgf ls;fg ;Dd]ng sf]if 1,591,250.36 -
9_ ;fgf ls;fg /fxt sf]if 3,849,643.63 3,849,643.63
0f_ cGo - -
hDdf 2,050,846,373.01 1,851,307,484.34

67
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
cg';"rL $=&
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8
a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft
-@)&& cfiff9 d;fGt_
ljj/0f :jb]zL d'b|f ljb]zL d'b|f ?=df s'n ?= ut jif{ ?=
ef=?= kl/jTo{ lj=d'= hDdf
!= :jb]zL Ohfhtkq k|fKt ;+:yfx? 151,704,927.52 - - - 151,704,927.52 83,370,394.98
s= rNtL vftf 151,704,927.52 - - - 151,704,927.52 83,370,394.98
v= cGo vftf - - - - -

hDdf 151,704,927.52 - - - 151,704,927.52 83,370,394.98

gf]6 M ;DalGwt Ohfhtkqk|fKt ;+:yfx? ;dy{g kq cg';f/sf] s'n df}Hbft ?= 151,704,927.52

cg';"rL $=*

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

nufgL
-@)&& cfiff9 d;fGt_
k|of]hg
ljj/0f o; jif{ ?= ut jif{ ?=
Jofkfl/s cGo
!= g]kfn ;/sf/sf] 6«]h/L ljn - - - -
@= g]kfn ;/sf/sf] artkq - - - -
#= g]kfn ;/sf/sf] cGo C0fkq - - - -
$= g]kfn /fi6« a}+s C0fkq - - - -
%= ljb]zL C0fkq - - - -
^= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/ - - - -
&= ljb]zL a}+s - - - -
*= ;+ul7t ;+:yfx?sf] z]o/ - 1,171,200.00 1,171,200.00 1,171,200.00
(= ;+ul7t ;+:yfx?sf] l8j]Gr/ tyf aG8 - - - -
!)= d'2lt lgIf]kdf u/]sf] nufgL 890,000,000.00 - 890,000,000.00 190,000,000.00
!!= cGo nufgL - - - -

s'n nufgL 890,000,000.00 1,171,200.00 891,171,200.00 191,171,200.00

Aoj:yf - - - -

v"b nufgL 890,000,000.00 1,171,200.00 891,171,200.00 191,171,200.00

cg';"rL $=*-s_

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

z]o/, l8a]Gr/ tyf j08df nufgL
-@)&& cfiff9 d;fGt_
ljj/0f k/n df]n ?= ahf/ d'No cg';f/ ? Aoj:yf /sd ? o; jif{ ?= ut jif{ ?=
!= z]o/ nufgL
!=! ;]G6/ km/ dfO{qmf]kmfO{gfG; k|f=ln= sf]
!)) ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf 10,000.00 10,000.00 10,000.00 10,000.00
!=@ clk kfj/ ln= sf]
@^ ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf 2,600.00 2,808.00 2,600.00 2,600.00
!=# hnljB't nufgL tyf ljsf; sDklg
!!,%*^ ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf 1,158,600.00 1,540,938.00 1,158,600.00 1,158,600.00

!=@============sDkgL -k|f=ln=÷ln=_ ============ ;fwf/0f

z]o/ -dWo]+====af]g; ;d]t k|lt z]o/======n] r'Qmf

!=# ==========sDkgL -k|f=ln=÷ln=_

====k|ltzt======lk|km/]G; z]o/ k|lt z]o/ ?=======n] r'Qmf
@= l8j]Gr/ tyf j08 nufgL
@=! ==========sDkgL -k|f=ln=÷ln=_=======k|ltzt
l8j]Gr/÷j08 k|lt l8j]Gr/÷a08 ?==========n]
@=@ =============
@=# =============
s'n nufgL 1,171,200.00 1,553,746.00 - 1,171,200.00 1,171,200.00
#= hf]lvd ;DjGwL Aoj:yf
#=! ut jif{ ;Ddsf] Aoj:yf
#=@ o; jif{sf] yk÷36 - - - - -
s'n Aoj:yf - - - - -
v'b nufgL 1,171,200.00 1,553,746.00 - 1,171,200.00 1,171,200.00

68
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

cg";"rL $=(
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8
shf{ ;fk6 juL{s/0f / ;f]sf] nflu Aoj:yf
-@)&& cfiff9 d;fGt_
shf{ ;fk6 ljj/0f ?=
ljj/0f ut jif{sf] hDdf ?=
ljldt cljldt o; jif{sf] hDdf
!= ;lqmo shf{ ;fk6 -Performing Loan) - 21,227,541,887.61 21,227,541,887.61 20,448,114,268.88
!=! c;n shf{ - 18,332,353,758.70 18,332,353,758.70 20,445,800,126.28
!=@ ;"Id lgu/fgL - 2,895,188,128.91 2,895,188,128.91 2,314,142.60
@= lgl:qmo shf{ ;fk6 (Non Performing Loan) - 144,751,310.90 144,751,310.90 8,945,865.41
@=! sd;n - 2,533,838.99 2,533,838.99 4,039,096
@=@ z+sf:kb - 9,472,511.09 9,472,511.09 1,808,600
@=# v/fa - 132,744,960.82 132,744,960.82 3,098,169.71
#= s'n shf{ ;fk6 -!+@_ - 21,372,293,198.51 21,372,293,198.51 20,457,060,134.29
$= shf{ gf]S;fgL Aoj:yf 548,812,526.82 548,812,526.82 302,404,290.92
$=! c;n - 183,323,537.57 183,323,537.57 208,529,376.24
$=@ ;"Id lgu/fgL 144,759,406.45 144,759,406.45 2,314,142.60
$=# sd;n - 633,459.75 633,459.75 4,039,095.70
$=$ z+sf:kb - 4,736,255.55 4,736,255.55 1,808,600.00
$=% v/fa - 132,744,960.82 132,744,960.82 3,098,169.71
$=^ cltl/St shf{ Joj:yf - 82,614,906.68 82,614,906.68 82,614,906.67
$=& t]>f]kIfsf] lwtf]df k|jfx ePsf] shf{sf] nflu yk - - - -
%= ut jif{;Ddsf] shf{ gf]S;fgL Joj:yf 302,404,290.92 302,404,290.92 257,970,227.87
%=! c;n - 208,529,376.24 208,529,376.24 168,847,151.49
%=@ ;"Id lgu/fgL - 2,314,142.60 2,314,142.60 -
%=# sd;n - 4,039,095.70 4,039,095.70 -
%=$ z+sf:kb - 1,808,600.00 1,808,600.00 -
%=% v/fa - 3,098,169.71 3,098,169.71 6,508,169.71
%=^ cltl/St shf{ Joj:yf - 82,614,906.67 82,614,906.67 82,614,906.67
%=& t]>f]kIfsf] lwtf]df k|jfx ePsf] shf{sf] nflu yk - - - -
^= o; jif{sf] gf]S;fgL Aoj:yf lkmtf{ - 39,918,194.38 39,918,194.38 30,145,113.18
&= o; jif{sf] yk shf{ gf]S;fgL Joj:yf - 286,326,430.29 286,326,430.29 74,579,176.23
*= o; jif{df yk÷lkmtf{ - 246,408,235.91 246,408,235.91 44,434,063.05
(= s"n shf{ gf]S;fgL Joj:yf -%–^±&_ - 548,812,526.83 548,812,526.83 302,404,290.92
v"b shf{ -#—$_ - 20,823,480,671.69 20,823,480,671.69 20,154,655,843.37

69
 cg';"rL $=!)
!(
cf}+

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

@)&^÷&&

:yL/ ;DklQ
jflif{s k|ltj]bg

-@)&& cfiff9 d;fGt_

;DklQ
ljj/0f o; jif{ ?= ut jif{ ?=
ejg kl/jxg ;fwg d]lzg/L sfof{no ;fdfg lnhxf]N8 ;DklQ cGo
!= k/ndf]n
-s_ ut jif{sf] df}Hbft 20,045,050.84 - 33,674,554.95 - 2,051,321.22 55,770,927.01 48,054,398.02
-v_ o; jif{ yk 1,159,677.02 3,713,131.33 391,569.23 5,264,377.58 8,251,172.94

-u_ o; jif{ k'gd"{NofÍg÷k"gn{]vg - - - - - - -

-3_ o; jif{sf] ljqmL - - (1,192,320.00) - (1,192,320.00) (4,000.00)

-ª_ o; jif{sf] ckn]vg (10,990.00) (871,747.67) (146,726.49) (1,029,464.16) (530,643.95)

s"n -s±v±u±3±ª_ k/ndf]n - 21,193,737.86 - 35,323,618.61 - 2,296,163.96 58,813,520.43 55,770,927.01

@= x|f;s§L
-s_ ut jif{ ;Ddsf] 11,629,803.67 23,649,273.79 - 1,113,578.15 36,392,655.61 32,024,945.50

70
-v_ o; jif{sf] 1,872,953.37 3,260,915.12 139,224.64 5,273,093.13 4,805,193.23
-u_ x|f;s§L k'gd"{NofÍg÷k"gn{]vg - (2,594.00)
-3_ x|f;s§L /sd ;dfof]hg÷lkmtf{ (9,623.62) (1,771,669.24) (129,183.37) (1,910,476.23) (434,889.13)
s'n x|f;s§L - 13,493,133.42 - 25,138,519.67 - 1,123,619.42 39,755,272.51 36,392,655.60

#= a's Eofn' (WDV*) -!–@_ - 7,700,604.44 - 10,185,098.94 - 1,172,544.54 19,058,247.92 19,378,271.41

$= hUuf - -

%= k'FhLut lgdf{0f -k'FhLs/0f ul/g' kg]{_ - -

hDdf -#±$±%_ - 7,700,604.44 - 10,185,098.94 - 1,172,544.54 19,058,247.92 19,378,271.41

*Written Down Value

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

cg';"rL $=!!

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

u}/ a}+lsË ;DklQ
-@)&& cfiff9 d;fGt_
C0fL jf kf6L{sf] gfd u}}+/ a}+lsË ;DklQ ;sf/ s'n u}/ a}+lsË gf]S;fgL Aoj:yf v'b u}/ a}+lsË
ut jif{ ?=
7]ufgf u/]sf] ldlt ;DklQ /sd ?= k|ltzt /sd ?= ;DklQ ?=

s'n hDdf

71
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
cg';"rL $=!@
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8
cGo ;DklQ
-@)&& cfiff9 d;fGt_
ljj/0f o; jif{ ?= ut jif{ ?=
!= d;nGb df}Hbft 175,351.26 157,127.57
@= nufgLdf c;"n ug{ afFsL cfDbfgL - -
#= shf{df c;"n ug{ afFsL Aofh 16,482,636.15 - 219,687.01
Go"gM Aofh d'NtjL /sd (16,482,636.15) (219,687.01)

$= c;'n ug{ afFsL sldzg - -

%= ;G8«L 8]6;{ 792,156.70 8,318,320.92
^= sd{rf/L ;fk6L / k]ZsL 44,064,240.65 34,156,145.24
&= clu|d e'QmfgL 3,286,927.91 7,274,760.85
&=! clu|d vr{ e'QmfgL 1,241,967.54 735,855.06
&=@ clu|d s/ e'QmfgL 2,044,960.37 6,538,905.79
*= dfu{:y gub - -
(= dfu{:y cGo -r]s ;d]t_ - -
!)= lagf ;"rgf 8«fˆ6sf] e'QmfgL - -
!!= ckn]vg x'g afFsL vr{ - -
!@= zfvf ldnfg lx;fj 499,718.16 -
!#= :yug s/ ;DklQ 11,104,802.74 7,449,475.94
!$= cGo 17,329,455.81 23,683,539.60
!$=! cg';/0f k]ZsL 15,972,380.00 22,725,305.00
!$=@ cGo ;+3 ;+:yf 197,998.60 273,998.60
!$=# w/f}6L 298,445.61 290,316.00
!$=$ cGo -sDKo"6/ ;ˆ6j]o/_ 860,631.60 393,920.00
hDdf 77,252,653.23 81,039,370.12

cg';"rL $=!@ -s_

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

cGo ;DklQ -yk ljj/0f_
-@)&& cfiff9 d;fGt_
o; jif{ ?=
ljj/0f ! jif{b]lv dfly # ut jif{sf] ?=
! jif{;Dd # jif{eGbf dfly
jif{ ;Dd
!= shf{df c;"n ug{ afFsL Aofh 16,482,636.15 - - 219,687.01
@= zfvf ldnfg lx;fj 499,718.16 - - -
#= Ph]G;L lx;fa - - - -

72
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

cg';"rL $=!#

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

;Defljt bfloTjx?
-@)&& cfiff9 d;fGt_
ljj/0f o; jif{ ?= ut jif{ ?=
!=hdfgt - -
@=ckl/jTo{ shf{ k|ltj4tf (Irrevocable Loan Commitment) - -
#=cfos/ jfkt ;Defljt bfloTj - -
$=Acceptance ;lxt cGo ;a} k|sf/sf ;Defljt bfloTjx? - -
%=r'Stf jf e'Stfg x'g afFsL z]o/ nufgL - -
^=e'StfgLsf] nflu bfjL k/]sf] hdfgt - -
&=;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] bfloTjx? - -
hDdf - -

73
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
cg';"rL $=!$
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8
Jofh cfDbfgL
ldlt @)&^÷)$÷)! b]]lv @)&&÷)#÷#! ;Dd
ljj/0f o; jif{ ?= ut jif{ ?=
s= shf{ ;fk6df 2,098,692,542.74 1,864,666,141.04
v= nufgLdf 92,509,962.35 53,497,161.22
!= g]kfn ;/sf/sf] ;'/If0fkq - -
@= g]kfn /fi6« a}+ssf] C0fkq - -
#= l8j]Gr/ tyf a08 - -
$= cGt/ a}+s nufgLdf Aofh 92,509,962.35 53,497,161.22
u= Ph]G;L df}Hbftdf - -
3= dfu tyf cNk;"rgfdf k|fKt x'g] df}Hbftdf 71,368,693.52 71,595,444.75
ª= cGodf -sd{rf/L ;fk6Laf6 Aofh_ 2,176,030.54 918,589.56
hDdf 2,264,747,229.15 1,990,677,336.57

cg';"rL $=!%
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8
Jofh vr{
ldlt @)&^÷)$÷)! b]]lv @)&&÷)#÷#! ;Dd
ljj/0f o; jif{ ?= ut jif{ ?=
s= lgIf]k bfloTjdf - -
!= ;b:ox?sf] artdf -
@= ;j{;fwf/0fsf] lgIf]kdf - -
v= shf{ ;fk6df 1,019,951,444.48 979,009,529.69
!= C0fkq tyf a08 - -
@= g]kfn /fi6« a}+saf6 k|fKt shf{ 127,884.70 182,077.90
#= cGt/ a}+s÷ljQLo ;+:yf shf{ 914,858,533.22 900,152,109.35
$= cGo ;+ul7t ;+:yf - -
%= cGo shf{ -g]]kfn ;/sf/_ 104,965,026.56 78,675,342.44
u= cGodf 104,592,008.30 91,803,426.41
!= t/ntf tyf ;+:yfut artdf 101,236,857.93 88,471,815.25
@= ;fgf ls;fg k|lzIffyL{sf] w/f}6Ldf Jofh 3,355,150.37 3,331,611.16
hDdf 1,124,543,452.78 1,070,812,956.10

cg';"rL $=!^
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8
sldzg tyf cGo ;~rfng cfDbfgL
ldlt @)&^÷)$÷)! b]]lv @)&&÷)#÷#! ;Dd
ljj/0f o; jif{ ?= ut jif{ ?=
!= ;]jf z'Ns - -
@= gljs/0f z'Ns - -
#= O=k|f= sdLzg jfkt - -
$= a§f cfDbfgL - -
%= cGo 661,710.54 284,888.96
%=!= /]ld6]G; kmL - 1,374.96
%=@= kl/Iff z'Ns 6,000.00 92,400.00
%=#= 6]08/ z'Ns - -
%=$= ljljw 655,710.54 191,114.00
hDdf 661,710.54 284,888.96

74
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

cg';"rL $=!&

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

sd{rf/L vr{
ldlt @)&^÷)$÷)! b]]lv @)&&÷)#÷#! ;Dd

ljj/0f o; jif{ ?= ut jif{ ?=

!= tna 39,859,531.38 30,225,757.30
@= eQf 7,303,500.72 7,054,734.86
#= ;+rosf]ifdf yk 3,388,386.00 2,534,312.32
$= tflnd vr{ 2,552,009.27 2,680,922.12
%= kf]zfs 1,134,435.00 1,098,600.00
^= cf}ifwf]krf/ 2,958,295.00 2,097,560.00
&= aLdf 671,525.02 643,500.49
*= labf jfktsf] Joj:yf vr{ 6,257,228.00 2,276,234.75
*=! 3/ labf 3,899,892.00 2,005,089.50
*=@ la/fdL labf 2,357,336.00 271,145.25
(= k]G;g tyf pkbfg Aoj:yf 7,694,803.32 3,029,830.00
!)= cGo 10,489,005.76 7,162,076.88
!)=! bz} vr{ 3,273,305.00 2,463,520.00
!)=@ cf]e/6fO{d 691,331.00 713,213.00
!)=# kfl/>lds 1,269,650.00 477,475.00
!)=$ a}+s lbj; eQf 3,268,896.23 2,402,618.88
!)=% k/fdz{÷;Nnfxsf/ ;]jf 1,985,823.53 1,105,250.00
hDdf 82,308,719.47 58,803,528.72

75
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
cg';"rL $=!*
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8
cGo ;~rfng vr{
ldlt @)&^÷)$÷)! b]]lv @)&&÷)#÷#! ;Dd
ljj/0f o; jif{ ?= ut jif{ ?=
!= 3/ef8f 7,521,700.66 6,473,241.75
@= aQL lah'nL, kfgL 1,092,676.52 1,009,017.86
#= dd{t tyf ;Def/ 1,078,840.92 1,450,498.06
s_ ejg -
v_ ;jf/L ;fwg 758,280.62
u_ cGo 320,560.30
$= aLdf 548,887.39 323,087.46
%= kf]i6]h, 6]n]S;, 6]lnkmf]g, ˆofS; 1,458,395.15 1,554,450.58
^= sfof{no pks/0f kmlg{r/ / ;Def/ 253,303.35 374,308.60
&= e|d0f eQf / vr{ 2,129,825.40 2,500,705.50
*= d;nGb / 5kfO{ 872,855.36 935,699.30
(= kqklqsf tyf k":ts 548,107.52 445,641.00
!)= lj1fkg 201,752.50 506,281.24
!!= sfg"gL vr{ - -
!@= rGbf - -
!#= ;+rfns ;ldlt ;DaGwL vr{ 2,052,984.75 1,756,374.20
-s_ a}7s eQf 1,004,000.00 592,495.00
-v_ cGo vr{ 1,048,984.75 1,163,879.20
!$= ;fwf/0f ;ef ;DaGwL vr{ 699,874.15 836,519.80
!%= n]vfk/LIf0f ;DaGwL 988,094.00 289,677.00
-s_ n]vfk/LIf0f z'Ns 550,000.00 250,000.00
-v_ cGo vr{ 438,094.00 39,677.00
!^= /sd :yfgfGt/0f sldzg - -
!&= :yL/ ;DklQdf x|f; s§L 5,273,093.13 4,805,193.23
!*= k"j{ ;+rfng vr{ ckn]vg - -
!(= z]o/ lgisfzg vr{ 1,638,567.54 1,117,562.19
@)= k|fljlws ;]jf ;f]wegf{ 426,689.70 798,585.00
@!= dgf]/+hg vr{ 780,053.85 771,592.45
@@= ckn]vg vr{ 407,427.94 517,471.37
@#= ;"/Iff vr{ - -
@$= shf{ ;"/If0f lk|ldod - -
@%= sldzg / l8:sfp06 - -
@^= cGo 24,730,451.51 16,492,852.64
s_ OGwg 1,546,682.71 2,026,701.83
v_ ;b:otf z'Ns 741,366.78 587,621.30
u_ gjLs/0f 524,922.67 302,830.00
3_ pk;ldlt 744,079.37 493,675.60
ª=_ kbk'lt{ kl/Iff vr{ 1,757,433.11 1,605,975.28
r_ a}+s lbj; vr{÷k|f]T;fxg k'/:sf/ 763,974.00 1,899,732.65
5_ Jofj;flos k|j4{g 493,159.31 2,444,791.12
h_ kqklqsf k|sfzg 324,816.00 265,595.20
em_ ;fgf ls;fg ;xsf/L n3' ljQ ;Dd]ng - 1,000,000.00
`_ ;fgf ls;fg k|lzIffyL{ 5gf}6 55,524.00 977,325.09
6_ shf{ gljs/0f z'Ns tyf a}+s rfh{ 14,422,784.18 3,931,209.12
7_ ;+:yfut ;fdflhs pQ/bfloTj sf]if vr{ 2,060,000.00 120,000.00
8_ ljljw 1,295,709.38 837,395.45
hDdf 52,703,581.34 42,958,759.23

76
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

cg';"rL $=!(

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

;Defljt gf]S;fgL Joj:yf
ldlt @)&^÷)$÷)! b]]lv @)&&÷)#÷#! ;Dd

ljj/0f o; jif{ ?= ut jif{ ?=

!= shf{ gf]S;fgL Aoj:yfdf ePsf] j[l4 163,451,876.35 74,579,176.26
@= nufgL gf]S;fgL Aoj:yfdf ePsf] j[l4 - -
#= u}/ a}+lsË ;DklQ gf]S;fgL Aoj:yf - -
$= cGo ;DklQdf ul/Psf] Aoj:yf - -
hDdf 163,451,876.35 74,579,176.26

cg';"rL $=@)

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

u}/ ;+rfng cfDbfgL ÷gf]S;fg
ldlt @)&^÷)$÷)! b]]lv @)&&÷)#÷#! ;Dd

ljj/0f o; jif{ ?= ut jif{ ?=

!= nufgL laqmLaf6 cfDbfgL÷-gf]S;fgL_ - -
@= ;DklQ laqmLaf6 cfDbfgL÷-gf]S;fgL_ 1,177.15 -
#= nfef+z - -
$= cGo 1,199,988.43 997,982.59
$=! cg'bfg ;DklQ x|f;s§L cfDbfgL 1,165,988.43 997,982.59
$=@ xn ef8faf6 cfDbfgL 34,000.00 -
v"b u}/ ;+rfng cfDbfgL÷-gf]S;fg_ 1,201,165.58 997,982.59

cg';"rL $=@!

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

;Defljt gf]S;fgL Joj:yfaf6 lkmtf{
-cfly{s jif{ @)&^÷)&&_

ljj/0f o; jif{ ?= ut jif{ ?=

!= shf{ gf]S;fgL Aoj:yfaf6 lkmtf{ 39,918,194.38 30,145,113.18
@= u}/ a}+lsË ;DklQ gf]S;fgL Aoj:yfaf6 lkmtf{ - -
#= nufgL Aoj:yfaf6 lkmtf{ - -
$= cGo ;DklQsf] Aoj:yfaf6 lkmtf{ - -
hDdf 39,918,194.38 30,145,113.18

77
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
cg';"rL $=@@

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL÷vr{
ldlt @)&^÷)$÷)! b]]lv @)&&÷)#÷#! ;Dd

qm=;+= ljj/0f o; jif{ ?= ut jif{ ?=

!= ckn]vg ePsf] shf{sf] c;'nL - -
@= :j]lR5s cjsfz vr{ - -
#= c;'nL x"g g;Sg] shf{sf] ckn]vg -$=@@ s_ - -
$= cGo vr{÷cfDbfgL - -
%= ================= - -
hDdf - -

cg';"rL $=@@-s_

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

ckn]lvt shf{sf] ljj/0f
-cfly{s jif{ @)&^÷)&&_

ckn]vg
lwtf] shf{ :jLs[t
lwtf]÷hdfgLsf] shf{ c;'nLsf nflu
qm=;+= shf{ k|sf/ d"Nof+sgsf] ug]{ s}lkmot
ul/Psf] k|sf/ tyf /sd eP u/]sf k|of;
cfwf/ clwsf/L÷tx
/sd
!=
@=
#=
$=
%=
s'n shf{

gf]6 M cfly{s jif{e/Ldf ckn]vg ul/Psf] shf{sf] ljj/0f dfly pNn]v ug'{kg]{ 5 .

78
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

cg';"rL $=@#

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/xf]N8/x?nfO{ uPsf] shf{ ;fk6 ljj/0f
-@)&& cfiff9 d;fGt_
k|jflxt shf{ ;fk6sf] s'n /sddWo] ;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/wgLx? / lghx¿sf] kl/jf/sf ;b:o jf
To:tf JolQm hdfgL a;]sf] jf Dofg]lhË Ph]G6 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .

ut jif{;Ddsf] afFsL o; jif{ c;'nL o;jif{ yk cfiff9 d;fGt;Dd afFsL

;+:yfks÷;+rfns÷sfo{sf/L k|d'vsf] gfd
;fjfF Aofh ;fjfF Aofh shf{ ;fjfF Aofh
-s_ ;+rfns - - - - - - -
!= - - - - - - -
@= - - - - - - -
-v_ sfo{{sf/L k|d'v - - - - - - -
!= - - - - - - -
@= - - - - - - -
-u_ ;+:yfks - - - - - - -
!= - - - - - - -
@= - - - - - - -
-3_ sd{rf/L - - - - - - -
!= - - - - - - -
@= - - - - - - -
-ª_ z]o/ wgLx? - - - - - - -
!= - - - - - - -
@= - - - - - - -

hDdf - - - - - - -

79
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
cg';"rL $=@$
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8
k'FhLsf]if tflnsf
-@)&& cfiff9 d;fGt_
-?=xhf/df_
ljj/0f o; jif{ ut jif{
-s_ k|fylds k'FhL 2,393,416 1,952,073
-!_ r'Qmf k'FhL -;fwf/0f z]o/_ 1,000,230 786,034
-@_ k|:tfljt af]g; z]o/ 250,057 214,195
-#_ z]o/ lk|ldod - -
-$_ lkmtf{ gx'g] cu|flwsf/ z]o/ - -
-%_ ;fwf/0f hu]8f sf]if 497,397 386,153
-^_ ;l~rt gfkmf÷-gf]S;fg_ 484,003 400,306
-&_ jf;nftdf b]vfO{Psf] rfn' cf= j= sf] gfkmf gf]S;fg lx;fjsf] /sd - -
-*_ k'FhL lkmtf{ hu]8f sf]if - -
-(_ k'FhL ;dfof]hg sf]if - -
-!)_ sN; Og P8efG; - -
-!!_ cGo :jtGq sf]ifx? -k'FhLut cg'bfg sf]if cGtu{t /x]sf] C0f ldgfxfaf6k|fKt
/sd / C0f df]rg sf]ifsf] /sd g]kfn /fi6 a}ssf] :jLs[lt cg';f/_ 172,834 172,834
36fpg]M
– Voflt (Goodwill) jfktsf] /sd - -
– :yug s/ ;Dklt -Deferred Tax Assets_ (11,105) (7,449)
– ;Ldf eGbf a9L z]o/, ;'/If0fkqdf nufgL ul/Psf] /sd - -
– ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd - -
– cjf:tljs ;DklQ - -
– o; a}+ssf] lgb]{zg kfng gu/L :jk|of]hgsf nflu 3/hUuf vl/b u/]sf] /sd - -
– k|rlng P]g tyf sfg'gn] k|ltaGw u/]sf JolQm tyf ;d'xx?nfO{ k|bfg
u/]sf] shf{ tyf ;'ljwfx? - -
-v+_ k"/s k'FhL 282,935 260,895
-!_ ;s[o shf{sf] nflu u/]sf] shf{ gf]S;fgL Joj:yf 282,925 210,844
-@_ cltl/Qm shf{ gf]S;fgL Aoj:yf - 50,041
-#_ xfOla|8 k'FhL pks/0fx? - -
-$_ ;'/If0f g/flvPsf] ;xfos cfjlws C0f - -
-%_ ;DklQ k"gd"Nof+sg sf]if - -
-^_ nufgL ;dfof]hg sf]if 10 10
-u_ hDdf k'FhLsf]if -s±v_ 2,676,351 2,212,968
-3_ hf]lvd efl/t ;DklQsf] cfwf/df sfod ug'{kg]{ Go"gtd k'FhLsf]if
k'FhLsf]if - * k|ltzt_ 1,810,721 1,669,661
k|fylds k'FhL - $ k|ltzt_ 905,361 834,831
k'FhLsf]if -clws #=*@ k|ltztn]_ 11.82 10.60
k|fylds k'FhL -clws ^=%& k|ltztn]_ 10.57 9.35

80
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

cg';"rL $=@$-s_

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

hf]lvd efl/t ;DklQ ljj/0f tflnsf
-@)&& cfiff9 d;fGt_
-?=xhf/df_
o; jif{ ut jif{
ljj/0f ef/ hf]lvd efl/t
/sd /sd hf]lvd efl/t ;DklQ
;DklQ
-s_ jf;nft adf]lhdsf] ;DklQx? (On-Balance-sheet Assets)
gub df}Hbft 0 - - 700 -
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 0 121,381 - 90,000 -
g]kfn ;/sf/sf] ;'/If0fKfqdf ul/Psf] nufgL 0 - - - -
g]kfn /fi6« a}+s C0fkqdf u/]sf] nufgL 0 - - - -
cfkm\g} d'2lt /;Lbsf] lwtf]df k"0f{ ;'/lIft x'g] u/L k|bfg ul/Psf] d'2lt /;Lb
lwtf] shf{ 0 - - - -
;/sf/L ;'/If0fKfqsf] lwtf]df k"0f{ ;'/lIft x'g]u/L k|bfg ul/Psf] shf{ 0 - - - -
;/sf/L ;'/If0fkqdf kfpg'kg]{ Aofh /sd (Accrued Interest) 0 - - - -
a}+s÷ljQLo ;+:yfx?df /x]sf] df}Hbft÷d'2tL /l;bsf] bfjL (Claims) 0.20 1,041,705 208,341 273,370 54,674
dfu]sf] avt k|fKt x'g] /sd (Money at Call ) 0.20 2,296,935 459,387 1,319,911 263,982
cGt/ a}+s÷;+:yf ;fk6L 0.20 - - - -
z]o/, l8j]~r/ Pj+ a08df ePsf] nufgL 1.00 1,171 1,171 1,171 1,171
cGo nufgLx? 1.00 - - - -
shf{, ;fk6 -s'n /sd_ 1.00 21,372,293 21,372,293 20,457,060 20,457,060
:yL/ ;DklQx? 1.00 19,058 19,058 19,378 19,378
kfpg' kg]{ cGo v'b Jofh /sd -s''n kfpg" kg]{ Aofh – ;/sf/L C0fkq tyf
jrt kqsf] Aofh – Aofh d"NtJfL_ 1.00 - - - -
cGo ;a} ;DklQx? - v'b clu|d s/ bflvnf jfx]s _ 1.00 75,208 75,208 74,500 74,500
hDdf -s_ 24,927,751 22,135,458 22,236,090 20,870,765
-v_ jf;nft jflx/sf] sf/f]jf/ (Off-balance-sheet Items)
HfDffGft 1.00 - - - -
ckl/jTo{ shf{ k|lta4tf (Irrevocable Loan Commitment) 1.00 - - - -
cfos/ jfkt ;Defljt bfloTj 1.00 - - -
Acceptance ;lxt cGo ;a} k||sf/sf ;Defljt bfloTjx? 1.00 - - - -
r'Stmf jf e'Stfg x'g afFsL z]o/ nufgL 1.00 - - - -
e'QmfgLsf nflu bfjL k/]sf] hdfgt 1.00 - - - -
;+:yfpk/ bfjL k/sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] bfloTjx? 1.00 - - - -
hDdf -v_ - - - -
-u_ ;~rfng hf]lvd jfkt
;~rfng hf]lvd jfkt s'n ;DklQsf] @ k|ltzt 1.00 498,555 498,555 - -
hDdf -u_ 498,555 498,555 - -
s"n hf]lvd efl/t ;DklQ -s±v±u_ 25,426,306 22,634,013 22,236,090 20,870,765

81
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
cg';"rL $=@%

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

k|d'v ;"rsfÍ
sDtLdf ljut % jif{sf] kl/;"rsx?

ljj/0f ;"rsfÍ cf=j=&@÷&# cf=j=&#÷&$ cf=j=&$÷&% cf=j=&%÷&^ cf=j=&^÷&&

!= v'b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt 29.50 30.31 24.47 24.69 24.55
@= k|lt z]o/ cfDbfgL ?= 44.04 52.60 50.01 49.14 44.49
#= k|lt z]]o/ ahf/ d"No ?= 2,499.00 1,502.00 1,160.00 948.00 1,301.00
$= d"No cfDbfgL cg'kft (PE Ratio) cg'kft 56.74 28.56 23.20 19.29 29.24
%= z]o/ k'FhLdf nfef+z -jf]g; ;lxt_ k|ltzt 26.32 26.32 26.32 28.68 26.32
^= z]o/ k'FhLdf gub nfef+z e'QmfgL k|ltzt 1.32 1.32 1.32 1.43 1.32
&= Jofh cfDbfgL÷shf{ tyf ;fk6 k|ltzt 7.59 8.57 10.15 9.99 10.03
*= sd{rf/L vr{÷s'n ;~rfng vr{ k|ltzt 10.77 9.41 5.63 4.72 5.78
(= s'n lgIf]k tyf ;fk6Ldf Jofh vr{ k|ltzt 2.89 3.88 5.73 5.91 5.57
!)= ;6xL 36a9 cfDbfgL÷s'n cfDbfgL k|ltzt - - - - -
!!= sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt 73.52 87.68 100.66 119.81 107.34
!@= v'b gfkmf÷shf{ ;fk6 k|ltzt 2.01 2.36 2.33 2.40 2.60
!#= v'b gfkmf÷s'n ;DklQ cg'kft 1.86 2.25 2.04 2.24 2.28
!$= s'n shf{÷lgIf]k k|ltzt - - - - -
!%= s'n ;~rfng vr{÷s'n ;DklQ k|ltzt 3.36 3.89 5.15 5.68 5.84
!^= hf]lvd efl/t ;DklQdf k'FhLsf]ifsf] kof{Kttf
-s_ k|fylds k'FhL k|ltzt 8.74 8.76 8.94 9.35 10.57
-v_ k"/s k'FhL k|ltzt 1.33 1.39 1.44 1.25 1.25
-u_ s'n k'FhL sf]if k|ltzt 10.07 10.15 10.38 10.60 11.82
!&= t/ntf (CRR) cg'kft 0.51 0.52 0.50 0.51 0.63
!*= lgis[o shf{÷s'n shf{ k|ltzt 0.07 0.10 0.04 0.04 0.68
!(= Jofh b/ cGt/ (Weighted Average Interest Rate
4.70 4.69 4.42 4.08 4.46
Spread) k|ltzt
@) a's g]6jy{ -k|lt z]o/_ ?= 258.05 255.64 250.70 242.67 235.36
@!= s'n z]o/ ;+Vof 5,030,623 6,288,279 7,860,349 10,002,294 12,502,868
@@= s'n sd{rf/L ;+Vof 83 78 87 95 92
@#= cGo

82
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

g]=/f=a}+=lgb]{zg cg';"rL–$=@^

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

k|d'v n]vf gLltx?
cf=j= @)&^÷&&
kl/ro
;fgf ls;fg ljsf; cfof]hgfx? ;fgf ls;fg ;xsf/L ;+:yfdf kl/0ft ePsf] / ;fgf ls;fg ;xsf/L cg';/0f
sfo{qmdsf] dfWodaf6 yk If]qdf ;fgf ls;fg ;xsf/L ;+:yfx?sf] :yfkgfqmd lg/Gt/ hf/L /x]sf]n] oL ;+:yfx?nfO{ hfg]
ljQLo tyf u}/ljQLo ;]jfdf lg/Gt/tf lbO{ To:tf ;+:yfsf] cg'udg tyf Ifdtf clej[l4 ub}{ ;f+u7flgs tj/n] lbuf] /
ljQLo lx;fjn] ;Ifd agfpg / ;fgf ls;fg ljsf; sfo{qmdsf] dd{ / p2]ZonfO{ lhjGt /fVb} ;+:yfut :t/df l;lh{t
hf]; hfFu/ / pT;fx sfod ug{ / :jfldTj k|flKt kl5sf] ljQLo ;]jfsf] dfunfO{ ;xh kl/k"lt{ ug{ klg Ps ;+/Ifs
ljQLo ;+:yfsf] cfjZostfnfO{ b[li6ut ub}{ s[lif ljsf; a}+s ln=sf] cu|;/tfdf ljleGg If]qdf /x]sf ;fgf ls;fg
;xsf/L ;+:yfx?, g]kfn ;/sf/ tyf cGo jfl0fHo a}+}sx? ;d]tsf] z]o/ nufgLdf ljqmd ;+jt @)%* c;f/ @@ ut] …3Ú
ju{sf] Ps ljlzi6 n3'ljQ ljsf; ljQLo ;+:yfsf]] ?kdf ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= -h;nfO{ o;
kZrft ljQLo ;+:yf elg ;Daf]wg ul/Psf] 5_ sf] :yfkgf ePsf] xf] .
o; ljQLo ;+:yf n] z]o/ kF'hL, a}+s tyf ljQLo ;+:yfx?af6 lnPsf] shf{, bft[;+:yf tyf g]kfn ;/sf/af6 k|fKt ljQLo
;|f]tnfO{ kl/rfng u/L ;fgf ls;fg ;xsf/L ;+:yf tyf o:t} k|s[ltsf cGo ;+:yfx?sf] shf{ dfunfO{ ljQLo ;+:yfsf !!
j6f Onfsf sfof{nox? dfkm{t ;]jf k|jfx ub}{ cfPsf] 5 . o;sf cltl/Qm g]kfn ;/sf/ / cGo j}b]lzs ;+3÷;+:yf;Fu
;dGjo u/L tflnd÷uf]i7L -Ifdtf ljsf;_ sfo{qmd, kz' ljdf sfo{qmd, ;fdflhs tyf ;fd'bflos ljsf;sf sfo{qmd,
s[lif tyf kz'kfng k|j4{g sfo{qmd, ;+:yfsf] Ifdtf clej[l4 / ;]jf kfpg] ;fgf ls;fgsf] ;+Vof j[l4sf nflu ;fgf
ls;fg ;xsf/L cg';/0f sfo{qmd ;+rfng ub}{ cfPsf] 5 .
n]vfÍg tyf k|:t'ltsf] cfwf/
ljQLo ljj/0fx? g]kfn /fi6« a}+ssf] lgb]{zgdf tf]lsPs]f Joj:yfsf] cfwf/df tof/ ul/Psf] 5 / g]kfn /fi6« a}+ssf]
lgb]{zgdf gtf]lsPsf] cj:Yffdf n]vfsf] ;j{dfGo l;4fGt (Generally Accepted Accounting Principles) tyf sDkgL P]g
@)^#, a}+s tyf ljQLo ;+:yf ;DjGwL P]g @)&# df cfwfl/t 5g\ .
cGoyf pNn]v ePsf]df afx]s, ljlQo ;+:yfn] k|f]befjL n]vfÍg cfwf/ (Accrual Basis) tyf P]ltxfl;s nfut cjwf/0ff
(Historical Cost Concept) nfO{ ckgfPsf] 5 . ljlQo ;+:yfsf n]vfgLltx? ljut jif{b]lv Ps}?kn] (Consistently)
cjnDag ul/Psf] 5 .
ljQLo ljj/0fx? g]kfn /fi6« a}+såf/f tf]lsPsf] 9fFrf tyf g]kfnL ?k}ofFdf k|:t't ul/Psf] 5 .
cjnDag ul/Psf n]vf ;DaGwL k|d'v gLltx? lgDgfg';f/ 5g\ –
k|d'v n]vfgLltx?
!= :yL/ ;DklQ tyf x|f;s§L
ljQLo ;+:yfsf :yL/ ;DklQx?nfO{ P]ltxfl;s nfut cjwf/0ff (Historical Cost Concept) cg'?k 36\bf] d'No k|0ffnL
(WDV Basis) cfwf/df n]vfÍg ul/Psf] 5 .
ljQLo ;+:yfsf :yL/ ;DklQx?df ljQLo ;+:yfsf] n]vf lgb]{lzsf @)%( adf]lhd lglb{i6 b/ /]6df 36\bf] df}Hbft
k|0ffnL cg';f/ x«f;s§L ul/Psf] 5 . ljQLo ;+:yfn] cjnDag u/]sf] x«f;s§L b/ lgDgadf]lhd /x]sf] 5 M

83
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

:yL/ ;DkQL ;d"x x«f;s§L b/ -k|ltzt_

ejg tyf 3/÷6x/f %
kmlg{r/ @%
sDKo"6/ tyf lx;fa ug]{ d]lzg cf}hf/ @%
;jf/L ;fwg @)
ljljw ;fdfg @%
@= cfos/ Joj:yf gLlt
cfos/ P]g @)%* sf] k|fjwfg cg';f/ rfn' jif{sf] s/of]Uo cfo tyf s/ u0fgf ul/Psf] 5 . :yug s/ (Deferred
Tax) sf] n]vfÍg g]kfn n]vfdfg !@ (NAS 12) cg';f/ ul/Psf] 5 .
#= nufgL ;DjGwL n]vfgLlt
s_ g]kfn /fi6« a}+sn] n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] nufgL ;DaGwL lgb]{zgadf]lhd ;+ul7t ;+:yfsf]
z]o/df ul/Psf nufgLnfO{ vl/b d"No jf ahf/ d"No dWo] h'g sd x'G5 pQm /sddf d'Nof+sg ug]{ gLlt
ckgfPsf] 5 .
v_ a}+s tyf ljQLo ;+:yfx?sf] d'2tL vftfdf ul/Psf] nufgL / ;'lrs[t gePsf sDklgx?sf] ;]o/df u/]sf]
nufgLnfO{ k/n df]ndf b]vfO{Psf] 5 .
$= ;6xL 36a9 ;dfof]hg gLlt
ljQLo ;+:yfn] ljb]zL d'b|f;Fu ;DalGWft ;DklQ bfloTj tyf ;6xL 36a9 cfDbfgL tyf vr{x?sf] n]vfÍg g]kfn
/fi6« a}+ssf] lgb]{zgcg'?k ug]{ gLlt lnO{Psf] 5 . ljQLo ;+:yfn] rfn' cfly{s jif{df ;6xL 36a9 cfDbfgL u/]sf]
5}g .
%= Uf]]}/ aF]}lsË ;DklQsf] n]vfÍg gLlt
ljQLo ;+:yfn] shf{ c;'n ug]{ l;nl;nfdf lwtf] lnnfdL ubf{ lnnfd laqmL gePdf cfkm}n] ;sf/ u/L g]kfn /fi6«
a}+ssf] lgb]{zgadf]lhd n]vfÍg ug]{ gLlt /x]sf] 5 . ljQLo ;+:yfn] xfn;Dd u}/ a}+lsË ;DklQsf] ?kdf s'g} lwtf]
:jLsf/ u/]sf] 5}g .
^= k'FhLs[t gul/g] ;DklQx? ;DaGwL n]vfÍg gLlt
Ps jif{eGbf sd ;do l6Sg] /÷jf ?= %,)))÷– ;Ddsf] d"No /x]sf ;fdfgx? k'FhLs/0f gul/ vl/b u/]s} jif{df
vr{ n]Vg] ul/Psf] 5 .
&= cfDbfgL÷vr{sf] n]vfÍg gLlt
s_ shf{÷;fk6sf] Aofh cfDbfgL n]vfÍg g]kfn /fi6« a}+ssf] lgb]{zg cg'?k gub k|fKtLsf] cfwf/df ul/Psf] 5 .
cfiff9 d;fGt @)&& ;Dddf kfs]sf] AofhdWo] jiff{Gt kl5sf] tf]lsPsf] ;dofjlw leq k|fKt ePsf] /sdnfO{
cfly{s jif{ @)&^÷&& df cfDbfgL hgfO{Psf] 5}g .
v_ pk/f]Qm eGbf afx]ssf ;Dk"0f{ cfDbfgL vr{sf] n]vfÍg k|f]befjL cfwf/ (Accural Basis) df ul/Psf] 5 .
*= ;Defljt shf{ gf]S;fgL Joj:yf tyf c;'nL x'g g;Sg] shf{x?sf] ckn]vg gLlt
s_ g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ shf{ tyf ;fk6sf] jlu{s/0f u/L tf]lsPsf] b/df ;Defljt shf{ gf]S;fgL
Joj:yf u0fgf ul/Psf] 5 .
v_ c;'n x'g g;Sg] shf{x?sf] g]kfn /fi6« a}+sn] lbPsf] lgb]{zg / ljQLo ;+:yfsf] shf{ ckn]vg ljlgodfjnLsf]
clwgdf /xL ckn]vg ug]{ gLlt lnOPsf] 5 . ljQLo ;+:yfn] rfn' cfly{s jif{dfdf shf{ ckn]vg u/]sf] 5}g .

84
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

(= shf{sf] ;fFjf tyf Aofh c;'n ug]{ Joj:yf

ljQLo ;+:yfn] ;fgf ls;fg s[lif ;xsf/L ;+:yf Pj+ cGo ;xsf/L ;+:yfx?nfO{ n3'ljQ k|of]hgfy{ 5f]6f] / dWod
cjlwsf] nflu yf]s shf{ k|jfx ug]{ gLlt lnPsf] 5 . o;l/ k|jflxt shf{ c;'n ubf{ ;j{k|yd pQm shf{sf] Aofh
c;'n pk/ ePkl5 dfq afFsL /sdjf6 ;fFjf c;'n ug]{ ul/Psf] 5 .
!)= cGo gLltx?
s= Aofh u0fgf ug]{ tl/sf
ljQLo ;+:yfsf] sf/f]af/df cfj4 ;fem]bf/ -u|fxs_ ;+:yfx?n] /fv]sf] artdf lbO{g] Aofh tyf shf{df lnO{g]
Aofh #^% lbgnfO{ ! jif{sf] cfwf/ dfgL u0fgf ug]{ ul/Psf] 5 .
v= sd{rf/L ;'ljwf
ljQLo ;+:yfn] la/fdL labf, ;+lrt 3/labf / pkbfg Joj:yf vr{ k|f]befjL cfwf/ (Accrual Basis) df
n]vfÍg u/]sf]] 5 .
u= d;nGb
sfof{no k|of]hgsf nflu vl/b ul/Psf d;nGb pkef]u ePsf] cg';f/ FIFO cfwf/df vr{ n]lvPsf] 5 .
3= cg'bfg n]vfÍg
g]kfn ;/sf/ jf cGo lgsfoaf6 ljQLo ;+:yfnfO{ k|fKt cg'bfgaf6 vl/b ePsf :yL/ ;DklQx?nfO{ k'/}
d"Nodf n]vfÍg u/L k|fKt cg'bfg /sdnfO{ cg'bfg tyf k'FhLut hu]8f sf]ifdf cfDbfgL hgfpg] ul/Psf]df
pQm :yL/ ;DklQxx?sf] x|f; vr{nfO{ cg'bfg tyf k'FhLut hu]8f sf]ifdf vr{ n]Vg] ul/Psf]5 .
ª= k'g/jlu{s/0f÷k'g/;++of]hg
ut jif{sf cÍx? cfjZostfcg';f/ k'g/jlu{s/0f÷k'g/;+of]hg ul/Psf 5g\ .

85
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

g]=/f=a}+=lgb]{zg cg';"rL–$=@&

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:Yff ln=

n]vf ;DaGwL l6Kk0fLx?
cf=j=@)&^÷&&
!= nufgL, c;'nL tyf cfDbfgL
ljQLo ;+:yfsf] cf=j= @)&^÷&& sf] jflif{s C0f nufgL, c;'nL tyf ldgfxf ul/Psf] ;fFjf tyf Aofhsf] ljj/0f
lgDg adf]lhd /x]sf] 5 .
qm=;++= ljj/0f /sd ? xhf/df
!= C0f nufgL -?= xhf/df_ 17,32,47,59

@= ;fFjf c;'nL -?= xhf/df_ 16,40,95,26

#= Aofh cfDbfgL -?= xhf/df_ 2,09,86,92

$= ldgfxf ul/Psf] ;fFjf -

%= ldgfxf ul/Psf] Aofh -

@= lgIf]k bfloTj cGtu{t k|To]s zLif{sdf jif{ el/df kl/jt{gsf] ljj/0f lgDg adf]lhd /x]sf] 5 .

qm=;++= ljj/0f /sd ?=xhf/df

!= jif{ el/df lGfIf]k bfloTj Kf|flKt -

@= jif{ el/df lGfIf]k bfloTj Ef'QmfgL -

#= jif{ el/df lGfIf]k bfloTj afFsL -

#= lgIf]k / ltg{ a+FfsL shf{ ;fk6 / sh{f nufgLsf] efl/t cf}ift Aofh b/sf] cGt/ (Weighted Average Interest
Rate Spread) sf] ljj/0f
ljj/0f Kf|ltzt
shf{df efl/t cf}ift Aofh b/ 10.03

ltg{ afFsL shf{ bfloTjdf efl/t cf}ift Aofh b/ 5.57

v'b Aofh b/ cGt/ 4.46

$= ckn]vg x'g afFsL vr{sf] ljj/0f

k|:t't cfly{s jif{df ljQLo ;+:yfsf] ckn]vg ug{ afFsL vr{sf] df}Hbft /x]sf] 5}g .
%= ljQLo ;+:yfsf] ;DklQ / bfloTj;Fu ;DalGwt sf/f]af/ / jf;nft aflx/sf sf/f]af/ s'g} Ps JolQm, kl/jf/ jf
;+ul7t ;+:yf tYff s'g} Ps If]qdf tf]lsPsf] ;Ldf -;+:yfsf] k|fylds kF'hLsf] @% k|ltzt_ eGbf a9L clws]lGb|t ePsf]
5}g .
/sd ?=xhf/df
@)&^ r}qsf] k|fylds Ps JolQm, kl/jf/ jf ;+ul7t ;+:yf;Fusf]
ljj/0f k|ltzt
k'FhL sf]if clwstd sf/f]af/ /sd ?=xhf/df
shf{ tyf ;fk6 2,38,74,03.25 27,43,54.54 11.49

86
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

^= t/ntf ;DaGwL hf]lvd Go'gLs/0f ug{ ljQLo ;+:yfn] cfˆgf] bfloTj tyf ;DklQnfO{ e'QmfgL cjlw (Maturity
Period) sf] cfwf/df ljleGg ;do cGt/fndf juL{s/0f ug'{ kg]{ ;DaGwdf g]kfn /fi6« a}+sn] lbPsf] lgb]{zg cg'?k
;DklQ / bfloTjsf] juL{s/0f ul/Psf] ljj/0f lgDg cg';f/ /x]sf] 5 .
/sd ?= nfvdf
qm= (!–!*) !*!–@&) @&!–#^% ! jif{ eGbf
ljj/0f !–() lbg s'n /sd
;+= lbg lbg lbg a9L
;DklQ
! Gfub - - - - - -
Af}Fs tyf ljQLo ;+:yfdf 1,517.05 - - - 10,113.81 0
@
/x]sf] df}Hbft
# dfu]sf] avt k|fKt x'g] /sd 22,969.35 - - - - 22,969.35
$ ;/sf/L ;'/If0fkq - - - - - -
% Gf]= /f= a}+s C0fkq - - - - - -
cGt/ a}+s tyf ljQLo - - - - - -
^
;+:yf shf{
& shf{ :ffk6 32,058.44 32,058.44 32,058.44 42,744.59 74,803.02 213,722.93
* kfpg'kg]{ Aofh 32.97 41.21 41.21 49.45 - 164.84
k|lta4tf cGtu{t cGo -
(
;+:yfx?af6 k|fKt x'g]
qm=;= !* / !( sf -
!)
;'ljwfx?sf] e'QmfgL
!! cGo 22.16 16.03 16.03 16.03 556.46 626.71
s'n ;DklQ 56,599.97 32,115.68 32,115.68 42,810.07 85,473.29 249,114.69
bfloTj
!@ ;b:ox?af6 lgIf]k - - - - - -
!# ;j{;fwf/0faf6 art lgIf]k - - - - - -
!$ ;j{;fwf/0faf6 d'2tL lgIf]k - - - - - -
!% C0fkqx? - - - - - -
!^ ;fk6L M 1,200.00 4,163.75 1,200.00 4,163.75 183,014.93 193,742.43
dfu÷cNk ;"rgf - - - - - -
cGt/ a}+s÷lj=;+:yf 1,200.00 1,200.00 1,200.00 1,200.00 78,119.01 82,919.01
k'g/shf{ - 5.42 - 5.42 6.61 17.45
cGo - 2,958.33 - 2,958.33 104,889.31 110,805.97
!& cGo bfloTj tyf Joj:yfx? M 453.45 822.38 455.13 190.07 18,587.44 20,508.46
;08«L qm]l86;{ - 13.84 - - - 13.84
e'QmfgL lbg'kg]{ lan 79.83 - - - - 79.83
e'QmfgL lbg'kg]{ Aofh - - - - - -
Joj:yfx? 278.11 618.46 265.06 - 381.60 1,543.23
cGo 95.51 190.07 190.07 190.07 18,205.84 18,871.56
k|lta4tf cGtu{t cGo -
!*
;+:yfx?nfO{ lbg'kg]{
pkef]u e}g;s]sf] :jLs[t -
!(
;'ljwfx?
qm= ;+= ( cGtu{t ;'ljwfsf] -
@)
e'QmfgL
@! cGo -
s'n bfloTj 1,653.45 4,986.13 1,655.13 4,353.82 201,602.37 214,250.89
-
v'b ;DklQ 54,946.52 27,129.55 30,460.55 38,456.25 34,863.79
116,129.08
;+lrt v'b ;DklQ 54,946.52 82,076.07 112,536.62 150,992.87 34,863.79

87
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

&= ljQLo ;+:yfn] ;+/If0fsf] ?kdf cfˆgf] ;DklQ lwtf] /fvL /sd lnPsf] ljj/0f .
pk/f]Qm cg';f/ ljQLo ;+:yfn] /sd lnPsf] 5}g .

*= u}/ a}+lsu ;DklQ ;DaGwL ljj/0f -ut jif{sf], o; jif{ :jLsf/÷ljqmL / v'b affFsL /sd_ .
ljQLo ;+:yfsf] xfn;Dd s'g} u}/ a}+lsu ;DklQ /x]sf] 5}g .
(= r'Qmf k'F+hLdWo] clu|d e'QmfgL k|fKt (Paid in Advance), e'QmfgL k|fKt x'g afFsL (Calls in Arrears) / hkmt ul/Psf
t/ k'gM lgisfzg gul/;s]sf] (Forfeited But Not issued) z]o/x? /x]sf] 5 eg] ;f]sf] ljj/0f .
ljQLo ;+:yfsf] r'Qmf k'F+hLdWo] clu|d e'QmfgL k|fKt (Paid in Advance), e'QmfgL k|fKt x'g afFsL (Calls in Arrears) /
hkmt ul/Psf t/ k'gM lgisfzg gul/;s]sf] (Forfeited But Not issued) z]o/x? /x]sf] 5}g .

!)= lnhxf]N8 ;DklQdf ut jif{;Dd / o; jif{ ckn]vg (Amortization) ul/Psf /sdsf] ljj/0f .
ljQLo ;+:yfsf] xfn;Dd s'g} lnhxf]N8 ;DklQ /x]sf] 5}g .
!!= ;~rfnsx?n] tf]lsPsf] cfr/0fx? kfngf u/] gu/]sf] ljj/0f .
ljlQo ;+:yfsf ;~rfnsx?n] cfly{s jif{ @)&^÷&& df g]kfn /fi6« a}+ssf] æ3Æ ju{sf n3'ljQ ljQLo ;+:yfx?nfO{
hf/L ul/Psf] lgb]{zg @)&& df tf]lsPsf cfr/0fx? k'0f{ ?kdf kfngf u/]sf 5g\ .
!@= ljQLo ljj/0fx?nfO{ a'e\mg / ljZn]if0f ug{ ;3fp k'Ug] hfgsf/L lbg cfjZos b]lvPsf cGo ljj/0f .
s_ z]o/ k'FhL /sd
o; ljQLo ;+:yfsf] z]o/ k'FhL /sd ?= 1,00,02,29,425÷66 sfod /x]sf] 5 .
v_ ;fwf/0f hu]8f sf]if
o; sf]ifdf ut jif{;Dd df}Hbft ?= 38,61,53,409÷77 /x]sf]df o; cfly{s jif{sf] v'b gfkmf
?= 55,62,17,854÷50 sf] @)Ü n] x'g] /sd ?= 11,12,43,570÷90 yk eO{ jif{sf] cGTosf] df}Hbft hDdf
?= 49,73,96,980÷67 sfod /x]sf] 5 .
u_ k'g/:yfkgf sf]if
åGåjf6 k|efljt tyf gofF ejg lgdf{0f u/]sf ;fgf ls;fg ;xsf/L ;+:yfx?sf] k'g/;+/rgf ug{ o; sf]ifdf
ut jif{;Dd df}Hbft ?= 5,84,08,103/55 /x]sf]df o; cfly{s jif{sf] v'b gfkmfsf] #Ü n] x'g] /sd ?=
1,66,86,535/64 yk eO{ jif{sf] cGtdf ?= 7,50,94,639/19 dfq k'g/:yfkgf sf]if /x]sf] 5 . o; sf]ifdf ePsf]
kl/jt{g OSjL6Ldf ePsf] kl/jt{g ;DjlGw ljj/0fdf cGo hu]8f tyf sf]ifdf b]vfOPsf] 5 .
3_ ;+:yfut ;'b[9Ls/0f sf]if
ljQLo ;+:yf;Fu cfj4 ;fgf ls;fg ;xsf/L ;+:yfx?sf] ;+:yfut ljsf; ug{] p2]Zon] v8f u/]sf] ;+:yfut
;'b[9Ls/0f sf]ifdf x/]s jif{sf] v'b gfkmfsf] !)Ü /sd yk ug{] Joj:yf ePcg'?k o; jif{sf] v'b gfkmfaf6
a'Fbf -ª_ df ePsf] Joj:yf cg';f/ u|fxs ;+/If0f sf]ifdf hDdf u/]sf] /sd ?= 2,13,55,274÷74 / a'Fbf -r_ df
ePsf] Joj:yf cg';f/ ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf hDdf ePsf] ?= 2,13,55,274÷74 dfq s6fO{
afFsL /sd ?= 1,29,11,235÷97 yk eO{ o; cfly{s jif{sf] cGTodf pQm sf]ifsf] df}Hbft ?= 13,81,13,862÷72
/x]sf] 5 . o; sf]ifdf ePsf] kl/jt{g OSjL6Ldf ePsf] kl/jt{g ;DjlGw ljj/0fdf cGo hu]8f tyf sf]ifdf
b]vfOPsf] 5 .
ª_ u|fxs ;+/If0f sf]if M
g]kfn /fi6« a}+ssf] æ3Æ ju{sf n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{zg @)&& sf] a'Fbf $=! -h_ sf]
Joj:yf cg';f/ ljQLo ;+:yfsf] v'b gfkmfsf] ! k|ltzt /sd / @) k|ltzt eGbf dflysf] k|:tfljt nfefz+ /sdsf]
@% k|ltztsf] /sd ;d]tn] x'g cfpg] /sd ?= 2,13,55,274÷74 dfq gfkmf gf]S;fg afF8kmfF8 lx;fadf vr{ n]lv
u|fxs ;+/If0f sf]ifdf hDdf ul/Psf] 5 . o; jif{sf] cGTodf o; sf]ifsf] df}Hbft /sd ?= 7,70,32,890÷84 /x]sf]
88
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

5 . o; sf]ifaf6 cfly{s jif{ @)&^÷&& df s'g} /sd vr{ ePsf] 5}g . o; sf]ifdf ePsf] kl/jt{g OSjL6Ldf
ePsf] kl/jt{g ;DjlGw ljj/0fdf cGo hu]8f tyf sf]ifdf b]vfOPsf] 5 .
r_ ;+:yfut ;fdflhs pQ/bfloTj sf]if M
g]kfn /fi6« a}+ssf] æ3Æ ju{sf n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{zg @)&& sf] a'Fbf ^=!$ sf] Joj:yf
cg';f/ ljQLo ;+:yfsf] v'b gfkmfsf] ! k|ltzt /sd / @) k|ltzt eGbf dflysf] k|:tfljt nfefz+ /sdsf] @%
k|ltztsf] /sd ;d]tn] x'g cfpg] /sd ?= 2,13,55,274÷74 dfq gfkmf gf]S;fg afF8kmfF8 lx;fadf vr{ n]lv
;+:yfut ;fdflhs pQ/bfloTj sf]ifdf hDdf ul/Psf] 5 . ut cfly{s jif{sf] cGTodf o; sf]ifsf] df}Hbft /sd
?= 1,17,33,391/23 /x]sf] 5 . o; sf]ifsf] /sd g]kfn /fi6« a}+ssf] pk/f]Qm kl/kqdf ePsf] Joj:yf cg';f/ vr{
ul/g]5 . pQm sf]ifaf6 cf=j= @)&^÷&& df tkl;n cg';f/ ?= 20,60,000÷– dfq vr{ ul/Psf]5 . o; sf]ifdf
ePsf] kl/jt{g OSjL6Ldf ePsf] kl/jt{g ;DjlGw ljj/0fdf cGo hu]8f tyf sf]ifdf b]vfOPsf] 5 .
lzif{s /sd
ut cf=j= ;Dddf ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf hDDff ul/Psf] s'n /sd 1,17,33,391÷23
vr{sf] ljj/0f
;fdflhs kl/of]hgfdf x'g] vr{ 2,10,000/-
cgfyfno, afndlGb/ / j[2f>dnfO{ lbOPsf] cg'bfg tyf ul/Psf] vr{ 1,50,000/-
cGo vr{ -g]kfn ;/sf/sf] sf]le8 sf]ifdf hDdf ul/Psf] /sd_ 17,00,000/-
s'n vr{ 20,60,000/-

;+:yfut ;fdflhs pQ/bfloTj sf]ifdf afFls /sd * 96,73,391÷23

cGo vr{ -g]kfn ;/sf/sf] sf]le8 sf]ifdf hDdf ul/Psf] /sd_ cGtu{t b]xfPsf vr{x? ePsf 5g\M
ljj/0f k|b]z /sd ldlt a}+ssf] gfd r]s g+=
Corona Virus Control and
Treatment
afUdlt 1,000,000.00 30.3.2020 k|e' a}+s ln= IPS
afUdlt k|b]z sf]/f]gf ;+s|d0f
afUdlt 100,000.00 2077.1.31
/f]syfd lgoGq0f sf]if k|e' a}+s ln= 21266587
sf]/f]gf efO/; lgoGq0f tyf s[lif ljsf; a}+s
u08sL 100,000.00 2077.3.25
pkrf/ sf]if ln= 12198257
sf]/f]gf efO/; (Covid - 19) 5 100,000.00 2077.3.22
/fli6«o jfl0fHo
lgoGq0f tyf pkrf/ sf]if a}+s ln= 55499381
cfGtl/s dfldnf tyf sfg'g
dGqfno ljkt Joj:yfkg sf]if, s0ff{nL 100,000.00 2077.1.22 s[lif ljsf; a}+s
;'v]{t ln= 14420149
sf]/f]gf pkrf/ tyf lgoGq0f ;'b'/ 100,000.00 2077.3.11
s[ lif ljsf; a} + s
sf]if, ;'b'/ klZrd k|b]z klZrd ln= 15223175
sf]/f]gf efO/; lgoGq0f tyf 2 100,000.00 2077.3.19
s[lif ljsf; a}+s
pkrf/ sf]if ln= 10209298
PS;]n
k|b]z g+= ! sf]/f]gf hg;'/Iff 1 100,000.00 2077.1.30 8]enkd]G6 a}+s
sf]if
ln= 2440873

hDdf 1,700,000.00

x c;f/ d;fGtdf o; sf]ifdf afFsL /sd ?= (^,&#,#(!÷@# ldlt @)&&÷)$÷#) ut] /fli6«o jfl0fHo a}+s ln=,
yfkfylnsf] r]s g+= ))%$@%)%*( af6 g]kfn ;/sf/åf/f ;~rflnt sf]/f]gf ;+s|d0f /f]syfd lgoGq0f /
pkrf/ sf]ifdf hDdf ul/;lsPsf] 5 .
5_ C0f df]rg sf]if M
o; sf]if cGtu{t s[lif ljsf; a}+sn] ;fgf ls;fg ;xsf/L ;+:yfx? o; ljQLo ;+:yfdf x:tfGt/0f ubf{ pknAw
u/fPsf] /sd g]kfn /fi6« a}+ssf] ldlt @)^(÷@÷@# sf] kqfg';f/ k|fylds k'FhLdf u0fgf x'g] u/L ?=

89
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

10,36,61,613÷– hu]8f sf]ifdf /x]sf] 5 . of] sf]if OSjL6Ldf ePsf] kl/jt{g ;DjlGw ljj/0fdf cGo hu]8f tyf
sf]ifdf b]vfOPsf] 5 .
h_ cg';/0f sf]if M
o; sf]if cGtu{t ;fgf ls;fg ;xsf/L ;+:yfn] ;]jf lj:tf/ tyf cg';/0f ug]{ k|of]hgsf] nfuL 5'6\fofOPsf] CGAP
sf] k'/:sf/ /sd, GIZ af6 k|fKt ;xof]u /fzL / o;} sf]ifdf hfg] u/L hDdf ePsf] /sd ;d]t ?= 1,05,09,554÷–
/x]sf] 5 . of] sf]if OSjL6Ldf ePsf] kl/jt{g ;DjlGw ljj/0fdf cGo hu]8f tyf sf]ifdf b]vfOPsf] 5 .
em_ ljk|]if0f hf]lvd sf]if M
lj= ;+= @)&) eGbf cl3 ;Dd o; ljQLo ;+:yfn] ;fgf ls;fg ;xsf/L ;+:yfx?nfO{ ljk|]if0f ;DaGwL ;]jf
Jojl:yt u/fpg ;xof]u ub}{ cfPsf] / ;f] sfo{sf nflu ljleGg ;|f]taf6 k|fKt /sd ?=2,74,833÷67 sf] sf]if v8f
u/L /flvPsf]] 5 . of] sf]if OSjL6Ldf ePsf] kl/jt{g ;DjlGw ljj/0fdf cGo hu]8f tyf sf]ifdf b]vfOPsf] 5 .
`_ nufgL ;dfof]hg sf]if M
g]kfn /fi6« a}+ssf] æ3Æ ju{sf n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{zg @)&& sf] a'Fbf *=% sf] Joj:yf
cg';f/ ljQLo ;+:yfn] ;]G6/ km/ dfOs|f]kmfOgfG;sf] z]o/df ?= !),)))÷– nufgL u/]sf] t/ ;f] ;+:yf lwtf]kq
ljlgdo ahf/df xfn ;Dd ;"rLs[t eOg;s]sf]] x'gfn] nufgL u/]sf] a/fa/sf] /sdsf] nufgL ;dfof]hg sf]if
v8f u/L /flvPsf] 5 . of] sf]if OSjL6Ldf ePsf] kl/jt{g ;DjlGw ljj/0fdf cGo hu]8f tyf sf]ifdf b]vfOPsf]
5.
6_ cg'bfg tyf k'FhLut hu]8f sf]if M
of] sf]if OSjL6Ldf ePsf] kl/jt{g ;DjlGw ljj/0fdf cGo hu]8f tyf sf]ifdf b]vfOPsf] 5 . o; sf]ifdf tkl;n
adf]lhdsf] /sd /x]sf] 5 M
ljj/0f /sd ?=
!= C0f ldgfxfaf6 k|fKt /sd 6,91,72,603/-
@= cg'bfg ;DklQ 65,80,961÷34
#= Credit Line From ADB, Manila 19,29,54,395/-
hDdf cg'bfg tyf k'FhLut hu]8f sf]if 26,87,07,959÷34

!= ;fgf ls;fg ;xsf/L ;+:yfx? Dffkm{t ;fgf ls;fg tyf ;fgf 3/]n' pBdLx?nfO{ k|jfx ePsf] C0f jfkt
g]kfn ;/sf/af6 cf=j= @)^#÷^$ df C0f ldgfxf eP kZrft k|fKt ePsf] zf]wegf{ /sdnfO{ cy{ dGqfnosf]
lgb]{zfg';f/ hu]8f sf]if v8f u/L /flvPsf] 5. g]kfn /fi6« a}+ssf] ldlt @)^(÷@÷@# sf] kqaf6 o; sf]if
cGtu{t ?= *,^@,*),^)#/- nfO{ k|fylds k'FhLsf]if u0fgf ug{ :jLs[tL k|fKt ePsf]df s/ km5\of}{6 cfof]u;Fu
o; a}+ssf] ;d;t @)&@/%/@( df ePsf] ;Demf}tf cg';f/ ?= !,&!,)*,)))/- pQm sf]ifaf6 /fhZj
e'QmfgL u/L xfn ?= 6,91,72,603/- dfq o; sf]if cGtu{t afFsL /x]sf] 5 .
@= ljleGg ;xof]uL lgsfox?af6 cg'bfgdf k|fKt ;DklQsf] sf]if v8f u/L 36\bf] d'Nodf b]vfOPsf] 5 .
#= Pl;ofnL ljsf; a}+ssf] ;xof]udf ;g\ @)!! b]lv @)!$ ;Dd ;~rflnt "Expanding Microfinance
Program in Hill and Mountain of Nepal" kl/of]hgfaf6 Line of Credit cGtu{t k|fKt cg'bfg /sdnfO{ sf]if
v8f u/L /flvPsf] 5 .
7_ :yug s/ hu]8f M
g]kfn /fi6« a}+ssf] æ3Æ ju{sf n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{zg @)&& Dff :yug s/ ;DaGwL
Joj:yfdf eP cg';f/ ljQLo ;+:yfn] :yug s/ ;DaGwL n]vf+sg lqmofsnfksf sf/0f ;DklQ ;[hgf ePsf]df ;f]
/sd gfkmf gf]S;fg afF8kmfF8 lx;fjdf vr{ n]vL :yug s/ hu]8f sf]if v8f u/L ut cf=j= ;Dddf ;f] sf]ifdf ?=
6,611,730/66 /x]sf] 5 . of] sf]ifdf cf=j=@)&^÷&& df s]lx kl/jt{g ePsf] 5}g . of] sf]if OSjL6Ldf ePsf]
kl/jt{g ;DjlGw ljj/0fdf :yug s/ hu]8f sf]ifdf b]vfOPsf] 5 .
8_ sd{Rff/L bIftf clej[l4 ;DaGwdf M
g]kfn /fi6« a}+ssf] æ3Æ ju{sf n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{zg @)&& sf] a'Fbf ^=% sf] Joj:yf
cg';f/ sd{rf/Lx?sf] bIftf clej[l4sf nflu k|To]s jif{ sd{Rff/Lsf] s'n tna eQfsf] Go'gtd # k|ltzt /sd
tflnd tyf j[lQ ljsf;df vr{ ug{'kg]{ Joj:yf cg';f/ ut cf=j=df sd{Rff/Lsf] s'n tna eQf vr{ ?=
90
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

3,72,80,492/16 sf] # k|lt;tn] x'g] /sd ? 11,18,414/76 eGbf a9L x'g] /sd ?= 25,52,009/27 pk/f]Qm
Joj:yfsf nflu vr{ u/L cg';"rL $=!& df sd{Rff/L vr{ cGtu{t tflnd vr{ zLif{sdf k|:t't ul/Psf] 5 .
9_ sd{rf/L jf]g; Joj:yf M
ljQLo ;+:yfn] o; cfly{s jif{sf] s/ tyf sd{rf/L jf]g; Joj:yf clwsf] d'gfkmfsf] !) k|ltztn] x'g cfpg]
/sd ?= 8,83,52,066/97 sd{rf/L jf]g;sf nfuL Joj:yf u/]sf] 5 .
0f_ sd{rf/L ;'ljwf M
o; cfly{s jif{df sd{rf/L ljbf afktsf] Joj:yf vr{ lzif{sdf b]vfO{Psf] vr{ /sd ?= 62,57,228/- ljbf
Joj:yfdf n]vfÍg ul/Psf] 5 eg] ?= 16,51,590/- o;} jif{ e'Qmfg ul/Psf] 5 .
o; cfly{s jif{df sd{rf/L pkbfg Joj:yf jfkt ?= 76,94,803/32 yk Joj:yf ul/Psf]5 eg] s'g}klg /sd
o; jif{ e'Qmfg ul/Psf] 5}g .
t_ ;fgf ls;fg ;Dd]ng sf]ifM
o; ljQLo ;+:yf tyf ;fgf ls;fg s[lif ;xsf/L s]lGb|o ;+3sf] ;+o'Qm cfof]hgfdf @)&% ;fn kmfNu'0f !^ /
!& ut] sf7df8f}+df ePsf] b'O{ lbg] ;fgf ls;fg ;Dd]ng, @)&% ;DkGg ePsf] lyof] . @)&& cfiff9 d;fGtdf
o; sf]ifdf afFsL df}Hbft /sd ?= 15,91,250/36 /x]sf] 5 . of] sf]if cg';"rL $=^ sf] cGo bfloTjsf] cGo
lzif{sdf b]vfOPsf] 5 .
y_ ;fgf ls;fg /fxt sf]if M
@)&@ a}zfv !@ ut]sf] dxfe'sDk tyf To; kZrftsf k/fsDkgsf sf/0f ljleGg lhNnfx?df ;fgf ls;fg
;b:ox? k|efljt ePsf] s'/f dWogh/ ub}{ pQm If]qsf ;fgf ls;fg ;xsf/L ;+:yf dfkm{t ;fgf ls;fg
kl/jf/;Dd ;xof]u kl/rfng ug]{ p2]Zon] Ps sf]ifsf] cfjZostf dxz'; ub}{ ljQLo ;+:yfn] ;fgf ls;fg
/fxt sf]ifsf] :yfkgf u/]sf] 5 . o; sf]ifdf @)&& cfiff9 d;fGtdf afFsL /x]sf] df}Hbft /sd ?=
#*,$(,^$#÷^# /x]sf] 5 . of] sf]if cg';"rL $=^ sf] cGo bfloTjsf] cGo lzif{sdf b]vfOPsf] 5 .
b_ ;fgf ls;fg ;"rgf k|ljlw sf]ifM
cfhsf] ;"rgf–k|ljlwsf] o'udf u|fdL0f ;xsf/L ;+:yfx¿sf] ;"rgf–k|ljlwdf ;xh kx'Fr x'g'k5{ eGg] ljQLo
;+:yfsf] dfGotf /x]sf] 5 . ljQLo ;+:yf tyf ;+:yfsf hgzlQmx¿df ;"rgf–k|ljlw ;DaGwL 1fg, ;Lk / k|j[lQ
ljsf; ug{, o; ;DaGwL cfjZos Go"gtd pks/0f, oGq / ;'ljwfx¿ lj:tf/ ug{ / o; k|sf/sf sfo{x¿nfO{
oyfzSo lg/Gt/tf lbg ljQLo ;+:yfdf cfly{s jif{ @)&)÷&! Dff Ps ;"rgf–k|ljlw ljsf; sf]if v8f ul/Psf]
lyof] . o; sf]ifdf bft[ tyf ;xof]uL lgsfox¿af6 k|fKt ;xof]u, ;xefuL ;+:yfx¿sf] of]ubfg / o; ljQLo
;+:yfsf] ;xof]u /xg]5 . o; sf]ifdf ut jif{ ?= !) nfv sfod ul/Psf]df o; jif{ klg o;}nfO{ lg/Gt/tf
lbOPsf] 5 . of] sf]if cg';"rL $=^ sf] cGo bfloTjsf] cGo lzif{sdf b]vfOPsf] 5 .
w_ ;fgf ls;fg ;"rgf k|ljlw 3'DtL sf]ifM
o; sf]if cGtu{t cg';/0faf6 @) j6f gj k|alw{t ;fgf ls;fg ;xsf/L ;+:yfx?sf] ;'rgf k|ljlwdf kx'Fr
k'¥ofpg] p2]Zon] k|lt ;+:yf ?= %),)))÷– sf b/n] sf]ifdf hDdf /sd ?= !),)),)))÷– /x]sf] 5 . k|lt
;+:yf ?= %) xhf/sf] ;"rgf k|ljlw ;fdfu|L vl/b ul/Psf] ljn o; ljQLo ;+:yfdf k|fKt ePkl5 sf]ifsf] afFsL
/sd vr{ hgfpg] u/L lx;fadf b]lvg cfPsf] 5 . cf=j= @)&^÷&& df o; sf]ifaf6 @ j6f ;xsf/L ;+:yfnfO{
?= %),)))÷– sf b/n] hDdf ?= !,)),)))÷– vr{ ePsf] 5 . of] sf]if cg';"rL $=^ sf] cGo bfloTjsf] cGo
lzif{sdf b]vfOPsf] 5 .
g_ cGo cg'bfg sf]ifM
o; sf]if cGtu{t Onfd lhNnfsf] ;'of]{bo gu/kflnsf;Fu ldlt @)&%.*.!) df ePsf] ;Demf}tf Pj+ ljQLo
;+:yfsf] ;~rfns ;ldltsf] ldlt @)&%.#.# sf] lg0f{ofcg';f/ ;fgf ls;fg ;xsf/L ;+:yf >LcGt' /
;dfna'Ën] lgdf{0f ug{ nfu]sf] ;fgf ls;fg lrof pBf]usf] shf{df Jofh ;x'lnot k|bfg ug{ :yflkt o;
sf]ifdf /sd ?= #%,#%,(%*÷– /x]sf] 5 . of] sf]if cg';"rL $=^ sf] cGo bfloTjsf] cGo lzif{sdf b]vfOPsf]
5.

91
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

k_ t/ntf tyf ;+:yfyt art M

o; ljQLo ;+:yfsf]] ;~rfns ;ldltaf6 ldlt @)&&÷@÷#@ df kfl/t ePsf] art gLlt tyf sfo{ljlw,
@)&& df Joj:yf ePadf]lhd o; cf=j=sf] cGTodf ljQLo ;+:yf;Fusf] sf/f]af/df cfj4 ;+:yfx?sf] art ?=
1,72,71,48,709÷33 /x]sf] 5 . ut jif{ cg';"rL $=^ sf] cGo bfloTjsf] cGo lzif{s cGtu{t u|fxs ;'/If0f
sf]ifdf b]vfOPsf] ;f] /sd ?= !,$*,&),#@,%(%÷*% nfO{ o; jif{ ;f]lx cg';"rLsf] cGo lzif{s cGtu{t
t/ntf / ;+:yfut artdf b]vfOPsf] 5 . o; vftfdf /x]sf] /sddf aflif{s & b]lv &=% k|ltzt ;Dd Jofh
k|bfg ul/Psf] 5 .
km_ tflnd tyf uf]i7L cg'bfg sf]ifM
tflnd 6'n sL6 ;DaGwL /sd ?= !,&(*÷@% cg';"rL $=^ sf] cGo bfloTjsf] cGo lzif{sdf b]vfOPsf] 5 .
a_ s/ n]vf k/LIf0faf6 sfod bfloTj km/kmf/s ePsf] ;DaGwdf
7'nf s/bftf sfof{non] o; ljQLo ;+:yfsf] cf=j= @)&@÷&# sf] s/ n]vfk/LIf0f u/L ldlt @)&&÷&÷!& sf]
kqaf6 o; ljQLo ;+:yfsf] gfddf s/ bfloTj "lgsfosf] d'gfkmfdf nfUg] s/– klAns lnld6]8 sDkgL" zLif{s
cGtu{tsf ;fjfF s/ /sd Aofh / z'Ns u/L hDdf ?= @),@@,$#(÷%$ sf] yk bfloTj sfod u/]sf] lyof] .
pQm /sdnfO{ cf=j= @)&&÷&* df vr{ n]lvPsf] 5 .
e_ :yug s/ ;DkQL
o; jif{sf] :yug s/
ljj/0f n]vfÍg cfwf/ -?_ s/ cfwf/ -?_ c:yfoL km/s -?_
;DklQ÷-bfloTj_ -?_
pkbfg Joj:yf 2,20,94,042.32 - 2,20,94,042.32 2,20,94,042.32
ljbf Joj:yf 1,60,66,450.00 - 1,60,66,450.00 1,60,66,450.00
:yL/ ;DklQ 1,99,18,879.52 1,87,74,396.32 (11,44,483.20) (11,44,483.20)
hDdf 5,80,79,371.84 1,87,74,396.32 3,70,16,009.12 3,70,16,009.12
s/sf] b/ 30 %
hDdf :yug s/ ;DklQ÷-bfloTj_ 1,11,04,802.74
ut jif{;Ddsf] :yug s/ ;DklQ÷-bfloTj_ 74,49,475.94
o; jif{sf] :yug s/ cfDbfgL÷-vr{_ 36,55,326.80

!#= cf=j= @)&^÷&& df ljlQo ;+:yfsf k|d'v sfo{sf/L clws[t / ;~rfnsx?nfO{ k|bfg ul/Psf] kfl/>lds tyf
;'ljwfx? -;Dk'0f{ e|d0f vr{ ;d]t_ sf] /sd
ljj/0f k|d'v sfo{sf/L clws[t -?_ ;~rfnsx? -?_
dfl;s kfl/>lds -?= @,@),^^)_ 2,647,920.00

6]lnkmf]g nufot cGo vr{ jfkt 30,000.00 332,000.00

bz} vr{ 220,660.00

kf]zfs vr{ 18,000.00

cf}iflw vr{ 220,660.00

a}s lbj; eQf 220,660.00

a}7s eQf 10,04,000.00

e|d0f eQf 204,447.00

af]g; 1,122,000.00

hDdf 4,684,347.00 1,336,000.00

!$= ljQLo ;+:yfsf] Ph]G;L df}Hbft eP cjlw cg';f/sf] -! Jfif{, !–# jif{, # jif{eGbf a9L_ lx;fa ldnfg x'g afFsL
/sdx?sf] ljj/0f .
o; ljQLo ;+:yfsf] Ph]G;L df}Hbft g/x]sf] .

92
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

!%= cfos/
-s_ o; jif{sf] s/ Joj:yf
cfos/ P]g @)%* cg';f/ o; jif{sf] s/ Joj:yf ?= 24,26,06,075/04 sfod ul/Psf] 5 .
!^= bft[ lgsfosf] ;xof]udf ;+rflnt sfo{s|d
s_ e'sDk k|efljt ;d'bfosf nflu ljkb hf]lvd Joj:yfkg tyf lhljsf]kfh{g k'g{:yfkgf sfo{qmd
-DRRLREAC_
g]kfn ;/sf/, cy{ dGqfno / Pl;ofnL ljsf; a}+ssf] ;xof]udf ;~rfng x'g] “e'sDk k|efljt ;d'bfosf
nflu ljkb hf]lvd Joj:yfkg tyf lhljsf]kfh{g k'g{:yfkgf sfo{qmd -DRRLREAC_” ;+rfngsf nflu ;fgf
ls;fg ljsf; ljQLo ;+:yf, g]kfn ;/sf/, cy{ dGqfno / Pl;ofnL ljsf; a}+s lar ePsf] ;Demf}tf cg';f/
e'sDk k|efljt ;d'bfodf C0f k|jfx ug{sf] nflu ljQLo ;+:yfn] k|lt ;fgf ls;fg kl/jf/ ? %) xhf/df
ga9\g] u/L s'n !@ xhf/ % ;o kl/jf/nfO{ nufgL ug]{ u/L %=% ldlnog cd]l/sL 8n/ a/fa/sf]
hLljsf]kfh{g k'g/:yfkgf shf{ sfo{s|d ;+rfng ePsf] 5 . o;dWo] wflbË, g'jfsf]6 / /;'jfsf k|efljt
;b:ox?n] % k|lt;tsf] ;x'lnotk'0f{ Aofhdf C0f ;'ljwf kfpg] u/L &^ j6f ;fgf ls;fg ;xsf/L
;+:yfx?nfO{ @ k|lt;t Aofhb/df o; ljQLo ;+:yfsf] tkm{af6 ul/Psf] of]ubfg ;d]t u/L cf=j=@)&^÷&&
;Dddf ?= * s/f]8 @! nfv () xhf/ shf{ k|jfx ul/Psf] lyof] . of] kl/of]hgf @)!( gf]e]Da/df ;dfKt
eO;s]sf] 5 .
o; sfo{qmdsf] k|fljlw ;xfotf ;Demf}tf cGtu{t slDtdf () j6f ljkb k|lt/f]lw ;+/rgf lgdf{0f tflnd tyf
#) j6f ljkb Joj:yfkg Ifdtf clej[l4 tflnd ;+rfng x'g] Joj:yf ;d]t /x]sf]df cf= j= @)&^÷&& ;Dddf
ljkb k|lt/f]lw ;+/rgf lgdf{0f tflnd !#@ j6f / ljkb Joj:yfkg Ifdtf clej[l4 tflnd *@ j6f tflnd
;DkGg ePsf 5g\ . cf=j= @)&^÷&& df o; ;Demf}tf cGtu{tsf sfo{x? ;DkGg ug{ k/fdz{bftf / tflnd
tyf Ifdtf ljsf; zLif{sdf?= ^# nfv !! xhf/ @) vr{ ePsf] 5 .
v_ ls;fgsf nflu pGgt aLp lahg sfo{qmd
g]kfn ;/sf/, s[lif ljsf; dGqfno / cGt/f{li6«o s[lif ljsf; sf]if (International Fund for Agricultural
Development-IFAD) sf] ;xof]udf ;~rfng eO{/x]sf] …ls;fgsf nflu pGgt aLplahg sfo{qmdÚ df ;xsfo{
ug{ o; ljQLo ;+:yf / s[lif ljsf; dGqfnoaLr ;Demf}tf eO{ ?s'd -k"j{ / klZrd_, /f]Nkf, ;Nofg, Ko'7fg,
u'NdL / c3f{vfFrL u/L & lhNnfdf klxnf] r/0fdf #) tt\sflng uflj;df ;fgf ls;fg ;xsf/L ;+:yf cg';/0f
sfo{ dfkm{t :yfkgf ePsf] / To;sf] k|efjsfl/tfsf cfwf/df yk $% uflj;df $% ;+:yf u/L s'n &% ;+:yf
:yfkgf ePsf 5g\ .
o; sfo{s|ddf kl/of]hgfsf] tkm{af6 cf=j= @)&^÷&& df ?= &(,^*,#$%÷!( vr{ ePsf] 5 . of] sfo{s|d
;DkGg e};s]sf] 5 .
u_ ;fgf ls;fg s[lif k|lzIffyL{ sfo{qmd
s[lif ;DaGwL 1fg, ;Lk / cEof; k|bfg u/L o'jfx¿df Jofj;flos s[lif Ifdtf a9fpg g]kfnsf nflu
Oh/fonL /fhb"tfjf;sf] ;xsfo{df …;fgf ls;fg s[lif k|lzIffyL{ sfo{qmdÚ ;~rfng ul/Psf] 5 . o; sfo{qmd
cGtu{t ;fgf ls;fg kl/jf/sf ljBfyL{x¿nfO{ pGgt s[lif k|0ffnL ;DaGwL tflndsf nflu Oh/fonsf ljleGg
sn]h tyf s[lif tflnd s]Gb|df !) dlxg] cWoogsf nflu ;xefuL u/fOG5 .
o; sfo{qmd cGtu{t ljQLo ;+:yfn] cfly{s jif{ @)&^÷&& df $*% hgf k|lzIffyL{ Oh/fon k7fpgsf] nflu
5gf}6 k|lqmof sfo{qmddf ?= %%,%@$÷– vr{ ePsf] 5 . cg';"rL $=^ sf] cGo bfloTjsf] cGo lzif{sdf
b]vfOPsf] ;fgf ls;fg s[lif k|lzIffyL{ sfo{s|d w/f}6L /sd ?= ^,^(,*&,%))÷*^ Oh/fonaf6 k|lzIffyL{x?
kms]{/ cfPkl5 jflif{s ^ k|ltztsf b/n] Jofh lbg] u/L w/f}l6df /flvPsf] 5 .
ª_ ;Ifd kl/of]hgf
o; ljQLo ;+:yf / l8=Pkm=cfO{=l8= sf] ;xof]udf n'O{; au{/åf/f ;+rflnt ;Ifd A2F aLr ;]K6]da/ @, @)!*
df Digitization of SFACLs & Expansion of Access to Finance in Karnali Province of Nepal (DSFACLs & A2F)
kl/of]hgf ;~rfng ug{ ;Demf}tf ePsf] lyof] . o; kl/of]hgfsf] d'Vo p2]Zo ljkGg ju{sf] nflu ljQLo kFx'r
a9fpg' /x]sf] 5 . o; kl/of]hgf cGtu{t ut cf=j= df ?= &&,&#,!%$÷&) afFsL /x]sf]df o; cf=j= df ?=
93
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

*,*^,^%,&$^÷$! Doflrª sf]if k|fKt ePsf] / ;f] dWo] ?= (,%),%$,$*)÷@@ vr{ eO{ ?= !#,*$,$@)÷*(
afFsL /x]sf] 5 .
!&= g]kfn ;/sf/sf] ;xof]udf ;+rflnt sfo{qmdx?
g]kfn ;/sf/af6 o; ljQLo ;+:yfnfO{ ;fgf ls;fg ;xsf/L cg';/0f sfo{qmd, ;Lk tyf Ifdtf ljsf;
-tflnd÷uf]i7L_ sfo{qmd, ;fdflhs÷;fd'bflos ljsf; sfo{qmd, s[lif tyf kz'kfng Joj;fo k|a4{g sfo{qmd,
;+:yfut ;'b[l9s/0f / kz'wg ;'/If0f sfo{qmdx¿ ;~rfng ug]{ k|of]hgsf nflu g]kfn ;/sf/sf] ah]6 pkzLif{s
#)%))!)! / #)%))!)@ dfkm{t cg'bfg ;xof]u pknAw x'Fb} cfPsf] 5 h;sf ;f/+fzx? lgDg adf]lhd /x]sf
5g\ .
s_ n3'ljdf ;xof]u sfo{qmd -kz' afnL, :jf:Yo_, #)%))!)@, kz'wg ;'/If0f sfo{qmd
ljQLo ;+:yfn] kz'kfns ;fgf ls;fgx¿sf] kz'wg Iflt Go"gLs/0fsf nflu kz'wg ;'/If0f sfo{qmdx¿ ;+rfng
ub}{ cfPsf] 5 . kz'wg ;'/If0f sfo{qmd cGtu{t cf=j= @)&^÷&& df ljQLo ;+:yfsf] ;dGjodf ;fgf ls;fg
;xsf/L ;+:yfx¿n] @% xhf/ $ ;o ^* ls;fg kl/jf/sf ?=@ cj{ #) s/f]8 # nfv *^ xhf/ d"Nosf ^&
xhf/ %@@ kz'j:t'sf] ;'/If0f u/]sf 5g\ . kz'wg ;'/If0f -kz'ljdf_ lk|ldod cg'bfg tkm{ cf=j= @)&^÷&& df
?= * s/f]8 &% nfv ^) xhf/ / kz'wg ;'/If0f k|j4{g tkm{ @% sfo{qmd ;+rfng ug]{ u/L ?= &$ nfv $)
xhf/ ;d]t u/L hDdf /sd ( s/f]8 %) nfv cg'bfg ah]6 k|fKt ePsf]df &%Ü lk|ldod cg'bfg tkm{ ?=*
s/f]8 &% nfv ^) xhf/ e'QmfgL ePsf] 5 . kz'kfns ls;fgsf] of]ubfg ?= # s/f]8 ^ nfv %$ xhf/
/x]sf]5 . kz'wg ;'/If0f k|a4{gtkm{ (@ j6f k|jå{g sfo{qmd ;DkGg eO{ $! xhf/ !*$ hgf ls;fg nfeflGjt
ePsf 5g\ . o;df &$ nfv $) xhf/ g]kfn ;/sf/sf] cg'bfgaf6 / ;xsf/L÷ls;fgsf] of]ubfgaf6 ?= $
nfv (# xhf/ vr{ eO{ s'n k|fKt ah]6 ?=( s/f]8 %) nfv dWo] ?=( s/f]8 %) nfv g} vr{ ePsf] 5 .
:yfgLo :t/sf] ;fd'bflos kz'wg ;'/If0f ;ldltn] g]kfn ;/sf/af6 k|fKt lk|ldod cg'bfg / kz'kfnssf]
of]ubfg ;lxtsf] lk|ldod /sd kl/rfng u/L pQm /sdaf6 Ifltk"lt{ / k|fljlws ;xof]usf] vr{ u/L ar]sf]
/sdnfO{ sf]ifsf] ?kdf kl/rfng ug]{ Joj:yf 5 .
v_ ;fgf ls;fg ljsf; a}+s -ljQLo ;+:yf_ ljljw -#)%))!)!_
!= ;fgf ls;fg ;xsf/L cg';/0f sfo{qmdM
ljQLo ;+:yfn] u|fdL0f If]qdf k|efjsf/L lbuf] n3'ljQ ;]jf k|jfxsf nflu :yfgLo k|0ffnL ljsf; ug{
gjk|jt{gLo cEof;sf ¿kdf ;fgf ls;fg ;xsf/L cg';/0f sfo{qmd ;~rfng ub}{ cfPsf] 5 . ;fgf
ls;fg ;xsf/L cg';/0f sfo{qmd cGtu{t ;fgf ls;fg ;xsf/Lsf] n3'ljQ ;]jf gk'u]sf If]qsf ljkGg tyf
;fgf ls;fgx¿nfO{ ;Ël7t u/L :yflgo:t/df cfjZos n3'ljQ ;]jf lbg ;Ifd ;fgf ls;fg s[lif ;xsf/L
;+:yfsf] u7g u/L lbuf] / lg/Gt/ ;]jf pknAw x'g] Joj:yf ldnfOG5 . o; sfo{qmd cGtu{t cf=j
@)&^÷&& df @^ j6f ;fgf ls;fg s[lif ;xsf/L ;+:yfx? cg';/0f sfo{qmd dfkm{t lgdf{0f ePsf] 5 .
g]kfn ;/sf/af6 k|fKTf cg'bfg /sd ?= #,)),#(,)))÷– dWo] ?= @,$*,$*,^$*÷– vr{ ePsf] 5 eg] o;
zLif{sdf k|fKt /sd dWo] vr{ x'g afFsL /sd ?=%!,(),#%@÷— dfq Pe/]i6 a}+s Ujfsf]{ zfvfsf] A/C payee
r]s g+ ))#&@(%!(! af6 ldlt @)&&÷#÷@$ df lkmtf{ ul/Psf] 5 .
@= ;Lk tyf Ifdtf ljsf; -tflnd ÷uf]i7L_ sfo{qmd M
ljQLo ;+:yfn] ;fgf ls;fgx¿sf] Ifdtf clea[l4sf nflu ljleGg lsl;dsf Joj;flos s[lif, ;+:yfut
z';f;g, ;+:yf ;+rfng / n]vf ;DaGwL tflnd, sfo{qmdsf] ;dLIff, /0fgLlt th{df uf]i7L cflb h:tf Ifdtf
ljsf;sf sfo{qmdx? ;+rfng ub}{ cfPsf] 5 . o; cGtu{t cfly{s jif{ @)&^÷&& df !)) j6f sfo{qmd
;~rfng ug]{ u/L ?=@ s/f]8 g]kfn ;/sf/af6 cg'bfg ah]6 k|fKTf ePsf]df ljZjJofkL sf]le8 !( sf
sf/0f :yfgLo :t/df sfo{qmd x'g] d'Vo ;dodf ns8fpg, ;68fpg, lgif]wf1f cflb hf/L eO{ sfo{qmd
k|efljt x'g uO{ hDdf ^) j6f dfq sfo{qmd ;DkGg ePsf] 5 . o;df ?=! s/f]8 @% nfv !@ xhf/ !$$
?k}of %) k};f g]kfn ;/sf/af6 k|fKTf cg'bfgaf6 vr{ ePsf] 5 eg] ;fgf ls;fg ;xsf/L ;+:yfx?sf] ?=
&^ xhf/ ^&@ a/fa/sf] ;xeflutfdf eO{ hDdf vr{ ?= !,@%,**,*!^÷%) ePsf] 5 . ;fy} o;
sfo{qmdaf6 # xhf/ #@% hgf ;fgf ls;fgx? nfeflGjt ePsf 5g . g]kfn ;/sf/af6 k|fKTf cg'bfg /sd
?=@,)),)),)))÷– dWo] ?=!,@%,!@,144/50 vr{ ePsf] 5 eg] o; zLif{sdf k|fKt /sd dWo] vr{ x'g

94
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

afFsL /sd ?=&$,*&,*%%÷%) dfq Pe/]i6 a}+s Ujfsf]{ zfvfsf] A/C payee r]s g+ ))#&@(%!(! af6 ldlt
@)&&÷#÷@$ df lkmtf{ ul/Psf] 5 .
#= ;fdflhs÷;fd'bflos ljsf; sfo{qmd
ljQLo ;+:yfn] ;fdflhs÷;fd'bflos ljsf; sfo{qmd cGt/ut :yfgLo:t/df cfjZos ;fd'bflos ejg
lgdf{0f tyf cGo ef}lts k"jf{wf/sf] ljsf;sf sfo{x? ;+rfng ub}{ cfPsf] 5 . o; cGt/ut u|fdL0f If]qdf
;'ne zf}rfno, ljBfno dd{t, k'nk'n];f], s'nf]dd{t, s[lif;8s :ofxf/–;Def/, a[Iff/f]k0f, ;fd'bflos ejg,
tflnd ejg, afnljsf;, s[lif cf}hf/, :6«]r/ Joj:yf, ;"rgf k|ljlw x:tfGt/0f cflb ;fdflhs÷;fd'bflos
ljsf;sf sfo{qmd ;~rfng ug{ ;+:yfx¿nfO{ ;–;fgf] ;xof]u pknAw u/fOG5 . cf=j= @)&^÷&& df
g]kfn ;/sf/af6 !)) j6f ;fdflhs÷;fd'bflos sfo{qmd ;+rfng ug{ ?=! s/f]8 %) nfv cg'bfg ah]6
k|fKt ePsf]df g]kfn ;/sf/af6 k|fKt cg'bfg ah]6af6 ?= ! s/f]8 %) nfv / ;fgf ls;fg s[lif ;xsf/L
;+:yfx?, :yfgLo lgsfo, / hg;xeflutf ;d]taf6 Joxf]/]sf] ?= % s/f]8 %( nfv ^# xhf/ ;d]t u/L
hDdf ?= & s/f]8 ( nfv ^# xhf/ a/fa/sf]] nfutdf !$$ j6f ;fdflhs÷;fd'bflos ljsf;sf
sfo{qmdx? ;+rfng ePsf] 5 . o; sfo{qmdaf6 # nfv !! xhf/ ( ;o ;fgf ls;fg kl/jf/x? nfeflGjt
ePsf 5g\ .
$= s[lif tyf kz'kfng Joj;fo k|a4{g sfo{qmd M
ljQLo ;+:yfn] s[lif tyf kz'kfng ug]{ ;fgf ls;fgx¿sf] s[lif tyf kz'kfng Joj;fosf] Joj;foLs/0fsf
nflu s[lif tyf kz'kfng k|j4{g sfo{qmd ;+rfng ub}{ cfPsf] 5 . cf=j= @)&^÷&& df g]kfn ;/sf/af6
!!% j6f sfo{qmd ;~rfng ug]{ u/L ?= @ s/f]8 !@ nfv &% xhf/ cg'bfg k|fKt ePsf]df g]kfn ;/sf/
cg'bfgaf6 ?= 1,65,89,314/- / ;fgf ls;fg ;xsf/L ;+:yf tyf ;b:o :jnufgLaf6 ?=# s/f]8 @@ nfv
%) xhf/ u/L hDdf $ s/f]8 ** nfv #( xhf/ nfutdf #)) j6f sfo{qmd ;+rfng eO{ ^) xhf/ #@
hgf ;fgf ls;fg kl/jf/x? nfeflGjt ePsf 5g\ . o; cGt/ut kz'kfng Joj:yfkg tyf pkrf/ tflnd,
sfo{qmdsf] ;ldIff tyf /0fgLlt th'{df, kz' pkrf/ lzlj/, pGgt gZnsf Aof8sf] af]sf÷/fuf÷efn]sf]
Joj:yf, kz' EoflS;g, vf]/, uf]7 ;'wf/, k|fljlws ;]jf tyf k|rf/ k|;f/ Pad\ cWoog cg';Gwfg ;DalGw
;xof]u pknAw u/fpg] ul/Psf] 5 . o; zLif{sdf k|fKt /sd ?= @,!@,&%,)))÷– dWo] vr{ x'g afFsL /sd
?=46,85,686/- dfq Pe/]i6 a}+s Ujfsf]{ zfvfsf] A/C payee r]s g+ ))#&@(%!(! af6 ldlt @)&&÷#÷@$
df lkmtf{ ul/Psf] 5 .
%= ;+:yfut ;'b[9Ls/0f sfo{qmd M
cf=j= @)&^÷&& df t'ngfTds ?kdf sdhf]/ ;fgf ls;fg ;xsf/L ;+:yfx¿sf] ;'b[9Ls/0f u/L ljkGg tyf
;fgf ls;fgx¿df Jofks?kn] ;]jf k|jfx ug{ ;fdYo{ agfpg sDtLdf klg %) ;fgf ls;fg s[lif ;xsf/L
;+:yf klxrfg u/L ljz]if ;'b[9Ls/0f sfo{qmd ;~rfng ul/Psf] 5 . o;sf nflu 5f]6f] cjlwsf hgzlQmsf]
Joj:yf u/L :ynut ?kdf g} k|fljlws ;xof]usf] Joj:yf ldnfOPsf] lyof] . h; cGt/ut !@ hgf lkmN8
k|lzIfs lgo'lQm lbO{ !)$ j6f sdhf]/ ;+:yf k'g/;+/rgf / ;'b[l9s/0fsf sfo{ ePsf] 5 . t/ ;d'bfo:t/df
x'g] o:tf] sfo{df sf]/f]gf dxfdf/Lsf sf/0f ck]lIft pknAwL xfl;n ug{df r'gf}tL ylkPsfn] cf=j=
@)&^÷&& df o; sfo{qmddf k|fKt ePsf] cg'bfg /sd ?= @ s/f]8 $@ nfv *^ xhf/ dWo]
1,80,14,858/29 dfq vr{ eO{ %& xhf/ &%! kl/jf/ nfeflGjt ePsf 5g\ . o; zLif{sdf k|fKt /sd dWo]
vr{ x'g afFsL /sd ?= 62,71,141/71 dfq Pe/]i6 a}+s Ujfsf]{ zfvfsf] A/C payee r]s g+ ))#&@(%!(!
af6 ldlt @)&&÷#÷@$ df lkmtf{ ul/Psf] 5 .
cGTodf ;fgf ls;fg ljsf; a}+s ljQLo ;+:yf ljljw tkm{ pk/f]Qm % j6f s[ofsnfksf nflu cfly{s jif{
@)&^÷&& df ?=!! s/f]8 ^ nfv lgsf;f ePsf] b]lvG5 . pQm /sddWo] pk/f]Qmfg';f/sf sfo{qmddf g]kfn
;/sf/sf] cg'bfg ;xof]u tkm{af6 ?=*,^(,^$,(^$.&( vr{ eO{ ?=@,#^,#%,)#%.@! g]kfn ;/sf/sf] /fhZj
vftfdf lkmtf{ ePsf]] 5 . ljQLo ;+:yf, ;xsf/L ;+:yf, :yfgLo lgsfo, tyf ;fgf ls;fgsf] of]ubfg u/L
hDdf ?= !&,%@,%^,)))÷— a/fa/Lsf ^#$ sfo{qmd ;DkGg ePsf 5g eg] $ nfv $* xhf/ * hgf
;fgf ls;fg kl/jf/ nfeflGjt ePsf 5g\ .

95
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
^= kz'kfng shf{ sfo{s|d M
df;' tyf b'w hGo pTkfbg k|a{4g ug]{ p2]Zon] g]kfn ;/sf/n] ljQLo ;+:yfnfO{ df;' tyf b'Uw hGo shf{
pknAw u/fpFb} cfPsf] 5 . ;fgf ls;fgx?nfO{ cfslif{t ug{sf] nflu zt{:j?k ljQLo ;+:yfn] ;xsf/L
;+:yfnfO{ % k|ltztdf / ;xsf/L ;+:yfn] ;fgf ls;fgnfO{ ( k|ltztdf o; shf{ kl/rfng x'Fb} cfPsf] 5 .
ljQLo ;+:yf :jod\ / ;fem]bf/ ;+:yf dfkm{t of] shf{sf] ;b'kof]lutfsf] lg/LIf0f / lgoGq0f sfo{ ub}{ cfPsf]
5 . cfly{s jif{ @)&^÷&& df s'n !# xhf/ % ;o kz'kfns ;fgf ls;fgnfO{ ?= ! -Ps_ ca{ *( s/f]8
kz'kfng shf{ nufgL ug]{ nIo /x]sf]df $&) ;+:yfdf cfj4 !( xhf/ ($( ;fgf ls;fgnfO{ ?= # ca{
@* s/f]8 (& nfv &* xhf/ shf{ nufgL eO{ ef}}lts nIosf] t'ngfdf !$* k|ltzt / ljQLo nIosf]
t'ngfdf !&$ k|ltzt k|ult ePsf] 5 .
&= t/sf/L v]tL shf{ sfo{s|d M
cfly{s jif{ @)&^÷&& b]lv g]kfn ;/sf/åf/f t/sf/L v]tL shf{ sfo{qmd cGtu{t o; ljlQo ;+:yfnfO{ ?=
@! s/f]8 C0f ;xof]u Joj:yf ePsf] lyof] . ! xhf/ % ;o ;fgf ls;fgx?nfO{ cf=j= @)&^÷&& c;f/
dlxgf;Dd t/sf/L v]tL tkm{ ?= @! s/f]8 C0f nufgL ug]{ nIo /x]sf]df * ;o @@ hgfnfO{ ?= !@ s/f]8
@% nfv () xhf/ C0f nufgL eO{ ef}lts tkm{ %%Ü / ljQLo tkm{ %*Ü k|ult xfl;n ePsf] 5 . o;} cf=
j= af6 ;'? ePsf] of] sfo{qmd z'?df sfo{ljlw th{'df / hfgsf/L u/fpg] sfo{df ;do nfu]sf] / afFls
calw sf]le8– !( sf sf/0f nufgL sd ePsf] xf] .
!*= u|fdL0f :jfjnDag shf{
g]kfn ;/sf/, dlGqkl/ifb\sf] ldlt @)&% d+l;/ @$ ut]sf] lg0f{o adf]lhd u|fdL0f :jfjnDag sf]ifnfO{ o; ljQLo
;+:yf dfkm{t\ ;~rfng ug]{ lg0f{o eO{ b]xfocg';f/sf] sf/f]jf/ /sd dGqfnoaf6 :jLs[t sfo{ljlw cg'?k kl/rfng
ug]{ u/L ldlt @)&^ c;f/ #! ut] g]kfn ;/sf/, cy{ dGqfno, g]kfn /fi6« a}+s / o; ljQLo ;+:yf aLr lqkIfLo
;Demf}tf ePsf] 5 .
s|=;+=
ljj/0f hDdf x:tfGt/0f x'g] /sd -?=_
!= gub tyf a}+s df}Hbft 77,16,00,225.34
@= nufgLdf afFsL shf{ -C0f_ 33,66,24,593.70
c;n 20,83,98,168.79
;'Id lgu/fgL 16,78,500.00
sd;n 17,09,597,.00
z+sf:kb 91,18,159.84
v/fa 11,57,20,168.07
#= shf{ gf]S;fgL Joj:yf /sd 12,28,74,553.93
c;n 20,83,981.69
;'Id lgu/fgL 83,925.00
sd;n 4,27,399.25
z+sf:kb 45,59,079.92
v/fa 11,57,20,168.07
$= hu]8f -Reserve_ -
%= ;+:yfsf] gfddf /x]sf] k'FhLut ;DklQ ljj/0f 2,65,911.60
-s_ ;km\6j]o/
^= ljQLo ;+:yfsf] gfddf hlgg] C0f 98,56,16,176.71

!(= sf]le8 !( sf] c;/ Go'lgs/0f ;DaGwL g]=/f= a}+saf6 hf/L lgb]{zgx?sf] kfngf ;DaGwdf
s_ sf]/f]gf sf]ifdf ;xof]u M ;+3Lo ;/sf/ tyf k|b]z ;/sf/sf] sf]/f]gf sf]ifdf /sd ;xof]u ul/Psf] .
v_ ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf /x]sf] /sd sf]/f]gf sf]ifdf e'QmfgL M g]kfn /fi6« a}+ssf] lgb]{zg cg';f/
;+:yfut ;fdflhs pQ/bfloTj sf]ifdf df}Hbft /sd /fli6«o :t/sf] sf]/f]gf sf]ifdf hDdf ul/Psf] .
u_ sd{rf/Lx?sf] sf]/f]gf ljdf M ?= ! nfv a/fa/sf] sd{rf/Lx?sf] sf]/f]gf ljdf ul/Psf] .

96
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

3_ sf]/f]gf k|efj ;DaGwL hfgsf/L M ljQLo ;+:yfsf] sf/f]af/df /x]sf ;fem]bf/ ;+:yfx?af6 sf]/fgfsf sf/0f
dfgjLo tyf Joj;fodf k/]sf] k|efjsf ;DaGwdf hfgsf/L lnO{ o; ljifodf ;~rfns ;ldltdf ;d]t
5nkmn u/L k|fKt ;'emfjx?sf] sfof{Gjog Joj:yf ldnfOPsf] .
ª_ Aofhb/df ;+zf]wg M g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd @)&^ r}qdf lt/]sf] Aofhdf !) k|ltzt ;x'lnot
pknAw u/fOPsf] / @)&& a}zfv ! ut]b]lv c;f/ d;fGt;Dd Aofhb/dfg} @ -b"O{_ k|ltzt sd ul/Psf] .
;x'lnot k|s[ltsf ljz]if shf{ afx]ssf] n3'shf{sf] Aofhb/df @)&& efb| ! b]lv !Ü / @)&& c;f]h ! ut]
b]lv yk @Ü u/L Aofhb/df #Ü sd u/L (=&%Ü sfod ul/Psf] . u|fdL0f pBd shf{sf] Aofhb/ !Ü sd u/L
^=%Ü sfod ul/Psf] .
r_ e'QmfgL ldlt ;+zf]wg M g]kfn /fi6« a}+ssf] lgb]{zg / C0fL ;+:yfsf] dfu cg';f/ shf{sf] e'QmfgL Dofb ;+zfw]g
ul/Psf] .
5_ sfo{qmdsf] lg/Gt/tf (Business continuity Guideline) lbUbz{g tof/ ul/Psf] M ;fem]bf/ ;+:yfx?sf] sf/f]af/nfO{
sf]le8 dxfdf/Lsf] aLrdf klg lg/Gt/tf s;/L lbg] eGg] ;DaGwdf lbUbz{g tof/ agfO{ ;+:yfx?df
k7fOPsf] .
h_ sf]le8 ljkb Go"lgs/0f÷Joj:yfkg pk–;ldlt M Joj:yfkg:t/sf] Ps pk–;ldlt agfO{ pQm pk–;ldlt dfkm{t
o; ;DaGwdf cfOk/]sf cGo sfo{ / ;d:ofx?sf] lg/fs/0fsf sfo{x? lg/Gt/ x'Fb} cfPsf] .
em_ g]kfn /fi6« a}+ssf] lgb]{zg kfngf M o; ;DaGwL lgb]{zgsf] kfngfsf nflu tt\ ;DaGwL sfo{ x'Fb} cfPsf] .
`_ g]kfn /fi6« a}+ssf]] ldlt @)&^÷!@÷!^ / @)&&÷)!÷!^ sf] ;"rgfdf pNn]v eP adf]lhd u|fxsx?nfO{ shf{df
k|bfg ul/Psf] s'n Aofh 5'6 /sd tyf o; ljQLo ;+:yfn] shf{ ;fk6df k|fKt u/]sf]] s'n Aofh 5'6 /sd
b]xfocg';f/ /x]sf]5 M
u|fxsx?nfO{ shf{df k|bfg u|fxsx?nfO{ shf{df k|bfg C0f tyf ;fk6Ldf k|fKt
ul/Psf] s'n Aofhsf] !) ul/Psf] s'n @ k|ltztsf] Aofh u/]sf]] s'n Aofh 5'6 /sd
k|ltztn] x'g] 5'6 /sd -@)&& 5'6 /sd -@)&& c;f/ d;fGt ;Dd_
r}q d;fGtsf]_ -@)&& c;f/ d;fGt ;Dd_
1,14,64,451÷38 7,48,04,035÷23 4,52,53,015÷39

@)= gub nfef+z tyf af]g; z]o/ ljt/0f ;DaGwdf

ljQLo ;+:yfsf] ldlt @)&&÷)*÷@# df a;]sf] ;~rfns ;ldltsf] a}7sn] cf=j= @)&^÷&& sf] d'gfkmfaf6 r'Qmf
k'FhLsf] @% k|ltztn] x'g] ?= 25,00,57,356/42 a/fa/sf] af]g; z]o/ / af]g; z]o/sf] s/ k|of]hgsf] nflu r'Qmf
kF'hLsf] !=#!%&*($&$ k|ltztn] x'g] gub nfef+z ?= 1,31,60,913/50 u/L s'n hDdf ?=26,32,18,269/92 a/fa/sf]
d'gfkmf ljt/0f ug{ Pj+ k|bfg ul/g] af]g; z]o/ u0fgf ubf{ ˆ|ofS;gdf cfpg] cÍnfO{ cfufdL aif{x?df qmdzM
k"0ff{Í gk'u];Dd ;DalGwt s} gfddf ;+lrtL /fVg] Joj:yf ;lxt :jLs[ltsf nflu g]kfn /fi6« a}+s / o; ljQLo
;+:yfsf] ;fwf/0f ;efdf k|:tfj k]z ug]{ lg0f{o kfl/t u/]sf]df ;f]xL cg'?k ljQLo ljj/0fdf k|:t't ul/Psf] 5 .

97
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
cg';"rL $=@*

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8

;+:yfks÷;+:yfks ;d"xsf z]o/wgLn] cfˆgf] :jfldTjdf /x]sf] z]o/ cGo a}+s tyf ljQLo ;+:yfdf lwtf] /fvL shf{ lnPsf]
ljj/0f
-@)&& cfiff9 d;fGt_
;+:yfkssf] :jfldTfdf sfod
shf{ ljj/0f
;+:yfks ÷;+:yfks /x]sf] z]o/
qm=;+= ;d"x cGt{ut kg]{ s}lkmot
z]o/wgLsf] gfd s'n lsQf s'n r'Qf shf{ lnPsf] cGo a}+s lwtf]df /x]sf] z]o/
shf{ /sd
;+Vof k"FhLsf] k|ltzt ÷ljlQo ;+:yfsf] gfd lsQf ;+Vof

!=
@=

cg';'rL $=@(
Sana Kisan Bikas Laghubitta Bittiyasanstha Ltd.
Comparison of Unaudited and Audited Financial Statement As of FY 2076/077
Rs. In'000
As per As per Audited Variance
S.N. Particlars Unaudited Financial Reasons for Variance
Financial In Amount In %
Statement
Statement
1 Total Capital and Liabilities (1.1 to 1.7) 24,994,602.93 24,380,983.06 613,619.87 2.46
1.1 Paid-up Capital 1,000,229.43 1,250,286.78 (250,057) - 25.00 Due to Proposed Bonus Share
Adjusted due to appropriation of Rs. 27,810.89 thousand
1.2 Reserves and Surplus 1,974,139.04 1,692,445.90 281,693.14 14.27 in Staff welfare fund, Proposed Bonus Share and
Dividend & other adjustments in profit
1.3 Debenture and Bond - - -
1.4 Borrowings 19,427,327.69 19,374,243.08 53,084.61 0.27 Adjustment on reconciliation
1.5 Deposits (a+b) - - - -
a. Member - - - -
b. Public - - - -
1.6 Income Tax Liabilities - - - -
Adjustment for netting off loan loss provision and with
1.7 Other Liabilities
2,592,906.77 2,064,007.29 528,899.48 20.40 other assets, etc.
2 Assets (2.1 to 2.7) 24,994,602.93 24,380,983.05 613,619.88 2.46
2.1 Cash & Bank Balance 402,185.42 273,085.45 129,099.97 32.10 Adjustment on reconciliation
2.2 Money at call and short Notice 2,202,351.08 2,296,934.83 (94,583.75) (4.29) Adjustment on reconciliation
2.3 Investments 891,171.20 891,171.20 - -

2.4 Loans & Advances 21,372,293.20 20,823,480.67 548,813 2.57

Adjustment on audit review, netting off loan loss provision
2.5 Fixed Assets 19,819.81 19,058.25 761.56 3.84 Adjustment on audit review
2.6 Non Banking Assets - -
Adjustment for Deferred Tax Assets, Income Tax,etc. and
2.7 Other Assets
106,782.21 77,252.65 29,529.56 27.65 netting with other liabilities.
3 Profit and Loss Account
3.1 Interest Income 2,261,611.21 2,264,747.23 (3,136.02) (0.14) Adjustment after finalization of Bank reconciliation
3.2 Interest Expenses 1,145,380.48 1,124,543.45 20,837.03 1.82 Adjustment after finalization of Bank reconciliation
A. Net Interest Income (3.1-3.2) 1,116,230.73 1,140,203.78 (23,973.05) (2.15)
3.3 Fees, Commission and Discount 2,043.92 - 2,043.92 100.00 Adjustment on reconciliation
3.4 Other Operating Income - 661.71 (661.71) Regrouping with Fees, Commission and Discount
3.5 Foreign Exchange Gain/Loss (Net) - - - -
B. Total Operating Income (A+3.3+3.4+3.5) 1,118,274.66 1,140,865.49 (22,590.83) (2.02)
3.6 Staff Expenses 81,807.27 82,308.72 (501.45) (0.61) Regrouping with operating expenses
Regrouping with staff expenses & adjustment for missed
3.7 Other Operating Expenses
51,443.50 52,703.58 (1,260.08) (2.45) expenses
C Operating Profit Before Provision (B
C. (B-3.6-3.7)
3 6 3 7) 985
985,023.88
023 88 1
1,005,853.19
005 853 19 (20
(20,829.30)
829 30) (2
(2.11)
11)
3.8 Provision for Possible Losses 163,451.88 163,451.88 0.00 0.00
D. Operating Profit (C-3.8) 821,572.01 842,401.31 (20,829.30) (2.54)
3.9 Non Operating Income/Expenses (Net) - 1,201.17 (1,201.17) - Adjustment for depreciation of grant assets
3.10 Write Back of Provision for Possible Loss 39,918.19 39,918.19 (0.00)
E. Profit from Regular Activities (D+3.9+3.10) 861,490.20 883,520.67 (22,030.47) (2.56)
3.11 Extraordinary Income/Expenses (Net) - - - -
F. Profit Before Bonus and Taxes (E+3.11) 861,490.20 883,520.67 (22,030.47) (2.56)
3.12 Provision for Staff Bonus 78,317.29 88,352.07 (10,034.78) (12.81) for above mentioned adjustments
3.13 Provision for Tax 234,951.87 238,950.75 (3,998.88) (1.70) for above mentioned adjustments
G. Net Profit/(Loss) (F-3.12-3.13) 548,221.04 556,217.85 (7,996.81) (1.46) Due to above changes

98
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

99
!( cf}+
jflif{s k|ltj]bg
@)&^÷&& ;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=

100
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= !( cf}+
jflif{s k|ltj]bg
@)&^÷&&

gf]6M

101
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= sf] o; ljQLo ;+:yf tyf ;Ifd A2F sf] ;fem]bf/Ldf ;fgf
:jtGq ;Grfnssf] zky u|x0f sfo{s|dsf] emns ls;fg ;xsf/L ;+:yfx?nfO{ 6\ofan]6 x:tfGt/0f
sfo{s|dsf] emns

;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln= åf/f k|b]z ;/sf/x?nfO{ sf]/f]gf sf]ifdf ;xof]u
x:tfGt/0f x'Fbfsf emnsx?

;fgf ls;fg ;xsf/L ;+:yfsf ;b:ox?4f/f ;~rflnt s[lif tyf kz'kfng Joj;fosf emnsx?
;fgf ls;fg ljsf; n3'ljQ ljQLo ;+:yf ln=
s]lGb|o sfof{no Onfsf sfof{no
;'ljwfgu/, ltgs'g], sf7df8f}+ ljtf{df]8 kmf]g M )@#–%$@&@*÷%$@!&#
O6x/L kmf]g M )@%–%*$##$÷%**^))
alb{af; kmf]g M )$$–%%)$)#÷%%)#@@
x]6f}8f kmf]g M )%&–%@%#**÷%@$!@@
kmf]g g+= M )!–$!!!&%@÷$!!!*@* a'6jn kmf]g M )&!–$@)%))÷$@)%)!
uh'/L kmf]g M )!)–$)@)*)÷$)@!!&
—ofS; M )!–$!!!()! kf]v/f kmf]g M )^!–%#*##%÷%#($!#
g]kfnu~h kmf]g M )*!–$!%@(!÷$!%!#^
Od]n M info@skbl.com.np cQl/of kmf]g M )(!–%%!#!*
la/]Gb|gu/ kmf]g M )*#–%@#(@%÷%@$&!#
j]j;fO6 M www.skbl.com.np ag]kf kmf]g M )!!–^^))(%