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e'QmfgL tyf km5\of}{6 ljlgodfjnL -klxnf] ;+zf]wg, @)*)_, @)&&

g]kfn /fi6« a}+s

e'QmfgL k|0ffnL ljefu
 e'QmfgL tyf km5\of}{6 ljlgodfjnL -klxnf] ;+zf]wg, @)*)_, @)&&

e'QmfgL tyf km5\of}{6 P]g, @)&% sf] bkmf $^ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6«
a}s
+ n] b]xfosf ljlgodx¿ agfPsf] 5 .
kl/R5]b–!
k|f/lDes
!= ;+lIfKt gfd / k|f/De M -!_ oL ljlgodx¿sf] gfd æe'QmfgL tyf km5\of}{6 ljlgodfjnL
-klxnf] ;+zf]wg, @)*)_, @)&&Æ /x]sf] 5 .
-@_ of] ljlgodfjnL t'?Gt k|f/De x'g]5 .
@= kl/efiff M ljifo jf k|;Ën] csf]{ cy{ gnfu]df o; ljlgodfjnLdf M–
-s_ æP]gÆ eGgfn] e'QmfgL tyf km5\of}{6 P]g, @)&% ;Demg' k5{ .
-v_ æa}+sÆ eGgfn] g]kfn /fi6« a}+s ;Demg' k5{ .
-u_ æs'n km5\of}{6 k|0ffnLÆ eGgfn] k|To]s cfb]z jf e'QmfgL sf/f]af/sf] 5'§f 5'§} lx;fa
km5\of}{6 x'g] k|0ffnL ;Demg' k5{ .
-3_ ælSnol/ª xfp;Æ eGgfn] e'QmfgL k|0ffnL ;~rfnsdWo] r]s jf cGo e'QmfgL
pks/0fsf] lSnol/ª ug{] k|of]hgsf] nflu a}s
+ af6 cg'dltkq k|fKt ;+:yf ;Demg'
k5{
-ª_ æv'b km5\of}{6 k|0ffnLÆ eGgfn] lglZrt ;dosf] cGt/fndf ePsf cfb]z jf e'QmfgL
sf/f]af/sf] 8]lj6 / qm]l86sf] cGt/ /sdsf cfwf/df Psd'i7 lx;fa km5\of}{6 x'g]
k|0ffnL ;Demg' k5{ .
-r_ æjfXo ;]jf kl/rfngÆ eGgfn] e'QmfgL ;]jf ;~rfng ug{sf] nflu cfjZos kg{]
sfo{ s'g} :jtGq t];|f] kIf;Fu ;Demf}tf jf ;x–;Demf}tf u/L ug{] sfo{ ;Demg' k5{ .
-5_ æe'QmfgL sf8{Æ eGgfn] e'QmfgL ;]jf k|bfosn] cfˆgf u|fxsnfO{ hf/L u/]sf] 8]lj6,
qm]l86, lk|k]8 jf o:t} k|s[ltsf] cGo ljB'tLo sf8{ ;Demg' k5{ .
-h_ æe'QmfgL ;]jfÆ eGgfn] e'QmfgL k|0ffnLsf] k|of]u u/L /sd e'QmfgL tyf x:tfGt/0f
ug{] sfo{ ;Demg' k5{ .
-em_ ældl>t km5\of}{6 k|0ffnLÆ eGgfn] s'n km5\of}{6 k|0ffnL / v'b km5\of}{6 k|0ffnL b'j}sf
ljz]iftfnfO{ ;d]6]/ k|of]udf NofOg] k|0ffnL ;Demg' k5{ .

ldlt @)&&÷)@÷@) sf] ;~rfns ;ldltsf] lg0f{oaf6 :jLs[t .


ldlt @)*)÷)!÷@& sf] ;~rfns ;ldltsf] lg0f{oaf6 :jLs[t klxnf] ;+zf]wg ;lxtsf] .

1
 -`_ æO–dgLÆ eGgfn] hf/Lst{f afx]ssf JolQmn] ljB'tLo sf/f]jf/sf] dfWodaf6 cfly{s
bfloTj e'Qmfg ug{ ;lsg] u/L sDKo'6/ k|0ffnLdf cfwfl/t sf8{ tyf cGo ;fwg jf
;e{/df ;l~rt u/L /flvPsf] /sd ;Demg' k5{ / ;f] zJbn] To:tf] sf/f]jf/ ubf{
dfu{:ydf /x]sf] /sd / jfn]6df /x]sf] /sdnfO{ ;d]t hgfpF5 .
-6_ æljefuÆ eGgfn] a}s
+ sf] e'QmfgL k|0ffnL ljefu ;Demg' k5{ .
-7_ æcg'dlt gLltÆ eGgfn] a}s+ n] hf/L u/]sf] e'QmfgL ;DaGwL sfo{ ug{] ;+:yfnfO{
cg'dltkq k|bfg ug{] ;DaGwdf Joj:yf ul/Psf] gLlt ;Demg' k5{ .
kl/R5]b–@
/fli6«o e'QmfgL af]8{
#= af]8{ ;b:osf] of]Uotf M P]gsf] bkmf # sf] pkbkmf -!_ sf] v08 -u_ adf]lhd g]kfn
;/sf/af6 dgf]lgt x'g] ;b:osf] of]Uotf b]xfo adf]lhd x'g]5M–
-s_ dfGotf k|fKt ljZjljBfnoaf6 cy{zf:q jf jfl0fHo jf Joj:yfkg jf hgk|zf;g
jf sDKo'6/ OlGhlgol/ª jf sDKo'6/ ;fOG; jf jfl0fHo sfg"gdf :gftsf]Q/ pQL0f{
u/]sf],
-v_ g]kfn ;/sf/ jf a}s + sf] clws[t k|yd >]0fL jf ljZjljBfnosf] ;x–k|fWofks
kbdf sDtLdf kfFr jif{ sfo{ u/]sf] jf a}s + jf g]kfn ;/sf/sf] :jfldTj /x]sf
;+:yf jf a}s+ af6 e'QmfgL k|0ffnL ;DaGwL sfo{ ug{ cg'dltkq k|fKt ;+:yf jf
a}s
+ af6 Ohfhtkq k|fKt a}s + tyf ljQLo ;+:yfsf] Joj:yfksLo kbdf sDtLdf bz
jif{sf] cg'ej k|fKt u/]sf],
-u_ a}s
+ af6 e'QmfgL ;DaGwL sfo{ ug{ cg'dltkq k|fKt ;+:yfdf cfa4 g/x]sf] .
kl/R5]b–#
ljefusf] sfd, st{Jo / clwsf/
$= ljefusf] sfd, st{Jo / clwsf/M P]g, o; ljlgofjnLdf tyf k|rlnt sfg"gdf plNnlvt
sfd, st{Jo / clwsf/sf cltl/Qm ljefusf] sfd, st{Jo / clwsf/ b]xfo adf]lhd
x'g]5M–
-s_ e'QmfgL k|0ffnLnfO{ ;'/lIft tyf ;Ifd agfO{ ljQLo :yfloTj sfod ug{ ;xof]u
ug],{
-v_ e'QmfgL k|0ffnLsf] ljZj;gLotf clej[l4 ug{] tyf e'QmfgL k|0ffnLnfO{ cfw'lgsLs/0f
ug{] ;DaGwL sfo{ ug{], u/fpg],
-u_ e'QmfgL tyf km5\of}{6 k|0ffnLsf] ljsf;, lgodg, cg'udg, lgu/fgL, lg/LIf0f tyf
lgb{]zg ;DaGwL sfo{ ug{], u/fpg],

2
 -3_ jf:tljs ;dodf sf/f]af/sf] km5\of}{6 x'g] k|0ffnL -l/on 6fOd u|; ;]6nd]06_
:yfkgf u/L ;~rfng ug{],
-ª_ e'QmfgL tyf km5\of}{6 k|0ffnLnfO{ Jojl:yt ub{} cGt/cfa4tf sfod ug{ / e'QmfgL
;]jfsf] nfut sd ug{ /fli6«o e'QmfgL -ljQLo_ :jLr / e'QmfgL åf/h:tf
k"j{fwf/x¿sf] :yfkgf u/L ;~rfng ug{] Joj:yf ldnfpg],
-r_ ;fs{ k]d]06 sfplG;n / cGo /fli6«o cGt/{fli6«o d~rx¿;Fu e'QmfgL k|0ffnL
;DaGwdf eP u/]sf ;Demf}tfsf] sfo{fGjog / ;f] ;DaGwL cGo cfjZos sfo{ ug{],
-5_ ljB'tLo e'QmfgLsf] k|j4{g ug{] ;DaGwdf hgr]tgfd"ns sfo{ ug{] u/fpg] ,
-h_ e'QmfgL af]8{ / ljjfb ;dfwfg ;ldltsf] ;lrjfnosf] ?kdf sfo{ ug{],
-em_ e'QmfgL k|0ffnLsf] ljsf; / cj:yfaf/] cWoog, cg';Gwfg ug{] u/fpg],
-`_ ljB'tLo dfWodaf6 sf/f]af/ ug{] k|0ffnLsf] ljsf; u/L cy{tGqdf gub sf/f]jf/
sd -n];Sof;_ u/fpg cfjZos sfo{ ug{] .
-6_ cf/l6lhP;df cfa4 ;+:yfnfO{ OG6«f8] lnlSjl86L ;'ljwf -cfO{PnPkm_ k|bfg ug{
;dGjo ug{],
%= uf]kgLotf sfod ug{'kg{]M -!_ af]8{ tyf ;ldltsf] a}7sdf p7]sf ljifox¿ / af]8{df
ul/Psf lg0f{osf] uf]kgLotf sfod ug{'kg{]5 .
-@_ af]8{ jf ;ldltn] ;fj{hlgs ug{ cfjZos ;Dem]sf ljifoj:t' ueg{/sf] :jLs[ltdf
ljefun] ;fj{hlgs ug{ ;Sg]5 .
kl/R5]b–$
cg'dltkq
^= cfzokq lng' kg{]M -!_ e'QmfgL tyf km5\of}{6 ;]jf ;~rfng ug{ sDkgL :yfkgf ug{' cl3
P]gsf] bkmf & tyf cg'dlt gLltdf tf]lsPsf] k|lqmof k"/f u/L cfzokq lng' kg{]5 .
-@_ cfzokq lnPsf] ^ dlxgf leq sDkgL :yfkgf u/L cg'dltkqsf] nflu lgj]bg
glbPdf To:tf] cfzokq :jtM /2 x'g]5 .
&= ;+:yfn] ;]6nd]06 a}+s;Fu ;Demf}tf ug{'kg{]M -!_ P]gsf] bkmf !@ adf]lhd ;+:yfn] ;]6nd]06
a}s
+ ;Fu ;Demf}tf ubf{ cg';"rL–! adf]lhdsf] ljifo v'nfpg' kg{]5 .
-@_ pkljlgod -!_ adf]lhd ul/Psf] ;Demf}tfsf] k|lt ;Demf}tf ePsf] ldltn] ;ft
lbgleq ljefudf k7fpg' kg{]5 .
*= gjLs/0f ;DaGwL Joj:yfM P]gsf] bkmf !# adf]lhd ;+:yfn] cg'dltkqsf] nflu lgj]bg
lbbfF cfjZos sfuhft / b]xfosf ljj/0f ;+nUg u/L a}s
+ ;dIf lgj]bg lbg' kg{]5M–

3
 -s_ ;+:yfsf] cBfjlws k|aGwkq / lgodfjnL,
-v_ ;+:yfsf] jflif{s k|ltj]bg,
-u_ kfFr s/f]8 ¿k}Fof;Dd r'Qmf k"FhL ePsf ;+:yfsf] xsdf krf; xhf/ ¿k}Fof /
;f]eGbf a9L r'Qmf k"FhL ePsf ;+:yfsf] xsdf Ps nfv ¿k}Fof gjLs/0f b:t'/
hDdf u/]sf] ef}r/÷k|df0f,
-3_ kl5Nnf] cfly{s jif{sf] s/ r'Qmf u/]sf] k|df0f jf ;f] k|of]hgsf] nflu ;DalGwt
cfGtl/s /fhZj sfo{fnodf cfo ljj/0f k]z u/]sf] lg:;f,
-ª_ ;+:yfsf] lgj]bg,
-r_ ;+:yf sfnf];"rL jf l8kmN6/df gk/]sf] k|dfl0ft x'g] sfuhft,
-5_ a}+sn] ;do ;dodf tf]lslbPsf cGo ljj/0f tyf sfuhft .
-h_ ;+:yfsf ;+:yfks tyf ;~rfnsx?sf] cfk/flws k[i7e"ld (Criminal Record)
gePsf] k|x/L k|ltj]bg . !
(= ;+:yfsf] ljj/0f cBfjlws ug{'kg{]M P]gsf] bkmf !% adf]lhd a}s
+ n] cg';"rL–@ adf]lhdsf]
ljj/0f cBfjlws u/L dfl;s ?kdf k|sfzg ug{'kg{]5 .
!)= cg'dlt gLlt tof/ u/L nfu" ug{ ;Sg]M e'QmfgL ;DaGwL sfo{ ug{] ;+:yfnfO{ cg'dltkq
k|bfg ug{] ;DaGwdf a}s
+ n] cfjZostf adf]lhd cg'dlt gLlt tof/ u/L nfu" ug{ ;Sg]5 .
kl/R5]b–%
;+:yfsf] ;~rfns ;ldlt / sfo{sf/L k|d'v ;DaGwL Joj:yf
!!= ;~rfns ;ldltsf] u7gM -!_ e'QmfgL ;DaGwL sfo{ ug{] k|To]s ;+:yfdf sDtLdf tLghgf
b]lv a9Ldf ;fthgf ;~rfnsx¿ /x]sf] Ps ;~rfns ;ldlt /xg]5 .
-@_ P]gsf] bkmf !& adf]lhd ;+:yfsf] ;~rfnssf] lgo'lQm k|rlnt sfg"gsf] cwLgdf
/xL ;+:yfsf] ;fwf/0f ;efn] ug{]5 .
t/, k|yd jflif{s ;fwf/0f ;ef geP;Ddsf] nflu ;~rfnssf] lgo'lQm ;+:yfksåf/f
x'g]5 .
-#_ klAns lnld6]8 sDkgLn] k|rlnt sfg"gsf] cwLgdf /xL sDtLdf Pshgf lj1
;~rfns lgo'Qm ug{'kg{5
] .
-$_ jflif{s ;fwf/0f ;ef x'g'eGbf cufj} s'g} ;~rfnssf] kb l/Qm x'g cfPdf csf{]
jflif{s ;fwf/0f ;ef geP;Ddsf] nflu ;~rfnssf] lgo'lQm ;+:yfsf] ;~rfns
;ldltåf/f ug{ ;lsg]5 .

!
ldlt @)&(÷)*÷@( sf] ;~rfns ;ldltsf] lg0f{oaf6 yk ul/Psf] .

4
 -%_ ;~rfnssf] kbfjlw ;fdfGotofM rf/ jif{sf] x'g]5 / lghsf] k'gM lgo'lQm x'g ;Sg]5 .
!@= zky u|x0fM ;+:yfsf] ;~rfns ;ldltsf] cWoIfn] a}s + sf] 8]k'6L ueg{/ jf ljefusf]
sfo{sf/L lgb{]zs ;dIf / cGo ;~rfns tyf k|d'v sfo{sf/L clws[tn] ;~rfns
;ldltsf] cWoIf ;dIf cg';"rL–# sf] 9fFrfdf ;ky u|x0f u/]/ dfq lghsf] klxnf] a}7sdf
efu lng' kg{]5 .
!#= ;~rfnssf] of]Uotf tyf cof]UotfM -!_ ;+:yfsf] ;~rfnssf] kbdf lgo'Qm x'g b]xfo
adf]lhdsf] of]Uotf x'g' kg{]5M–
-s_ sDtLdf PsltxfO{ ;~rfns dfGotf k|fKt ljZjljBfnoaf6 cy{zf:q jf
jfl0fHo jf Joj:yfkg jf hgk|zf;g jf sDKo'6/ OlGhlgol/ª jf sDKo'6/
;fOG; jf jfl0fHo sfg"gdf :gfts tx pQL0f{ x'g' kg{]5 .
-v_ sDtLdf PsltxfO{ ;~rfns a}+lsª jf ;"rgf k|ljlw jf e'QmfgL ;]jfsf]
If]qdf sDtLdf tLg jif{sf] sfo{ cg'ej k|fKt x'g' kg{]5 .
-@_ ;+:yfsf] ;~rfnssf] kbdf lgo'lQm x'g] JolQm b]xfo adf]lhdsf] cj:yfdf cof]Uo
ePsf] dflgg]5M–
-s_ @! jif{ pd]/ k"/f gePsf],
-v_ dfgl;s ;Gt'ng 7Ls gePsf],
-u_ k|rlnt sfg"g adf]lhd bfdf;fxLdf k/]sf],
-3_ a}s
+ jf ljQLo ;+:yf;Fusf] s'g} sf/f]jf/df sfnf];"rLdf k/]sf] jf
sfnf];"rLdf k/L ;f] ;"rLaf6 km's'jf ePsf] ldltn] sDtLdf tLg jif{ k"/f
gePsf],
-ª_ k|rlnt sfg"g adf]lhd s/ ltg{'kg{] bfloTj eO{ To:tf] s/ r'Qmf gu/]sf],
-r_ e|i6frf/ jf 7uLsf] s;"/df jf g}lts ktg b]lvg] kmf}hbf/L cleof]udf
cbfntaf6 ;hfo kfPsf],
-5_ a}s
+ n] lgnDag u/]sf] JolQmsf] xsdf lgnDag cjlw e/,
-h_ ;DklQ z'4Ls/0f, a}+lsª s;'/ jf a}s
+ sf] sf/jfxLdf k/]sf] eP km's'jf
ePsf] ldltn] tLg jif{ gk'u]sf] .
-em_ cbfntdf a}+lsª s;'/ ;DaGwL d'2f ljrf/fwLg /x]sf],
-`_ ljB'tLo dfWodaf6 hfn;fhL u/L cfly{s jf ljQLo sf/jfxLdf j]OdfgL jf
jblgot u/]sf] s'/f k|dfl0ft ePsf] .

5
 -6_ k|x/L k|ltj]bgdf cfk/flws k[i7e"ld (Criminal Record) b]lvPsf] eP
;hfo e'Qmfg u/]sf] % jif{ Joltt gePsf] . @
!$= ;~rfnssf] kfl/>lds tyf ;'lawfM -!_ ;~rfnsn] a}7s eQf afx]s lgoldt kfl/>lds
tyf cGo cfly{s ;'ljwf lng kfpg] 5}g .
-@_ ;~rfnssf] a}7s eQf /sd ;+:yfsf] lgodfjnLdf pNn]v ePadf]lhd x'g]5 .
-#_ ;+:yfdf k|aGw ;~rfns lgo'Qm u/L b}lgs k|zf;g ;~rfng / Joj:yfkg ug{
kfOg] 5}g .
!%= sfo{sf/L k|d'vsf] of]Uotf tyf cof]UotfM -!_ ;+:yfsf] ;~rfns ;ldltn] P]gsf] bkmf !(
/ o; ljlgodfjnLsf] cwLgdf /xL ;+:yfsf] b}lgs k|zf;g ;~rfng / Aoj:yfkg ug{ Ps
sfo{sf/L k|d'vsf] lgo'lQm ug{' kg]{5 .
-@_ ;+:yfsf] sfo{sf/L k|d'vsf] kbdf lgo'Qm x'g b]xfo adf]lhdsf] of]Uotf x'g' kg{]5M–
-s_ rf6{8{ PsfpG6]G;L jf Joj:yfkg, a}+lsª, ljQ, n]vf, cy{zf:q, jfl0fHo
zf:q, Jofkf/ k|zf;g, On]S6«f]lgS;, ;"rgf k|ljlw / sDKo'6/ lj1fg
ljifodWo] s'g} Psdf :gftsf]Q/ pkflw xfl;n u/L a}+lsª tyf ljQLo If]q
jf ;"rgf k|ljlw jf sDKo'6/ k|0ffnL jf To:tf] sfo{ ug{] ;+:yfsf] clws[t
jf ;f]eGbf dflysf] kbdf sDtLdf tLg jif{sf] sfo{ cg'ej ePsf],
-v_ kRrL; jif{ k"/f ePsf] / ;f7L jif{ ggf3]sf] g]kfnL gful/s .
-#_ ;+:yfsf] sfo{sf/L k|d'vsf] kbdf lgo'lQm x'g] JolQm ljlgod !# sf] pklgod -@_
sf] cj:yfdf cof]Uo ePsf] dflgg]5 .
kl/R5]b–^
;+:yfsf] bfloTj
!^= ;+:yf cfa4 x'g' kg{]M P]gsf] bkmf @! adf]lhd e'QmfgL k|0ffnLsf] k|j4{g, ljsf; tyf
lj:tf/ ug{ a}s
+ n] ;do ;dodf ;~rfng ug{] k|0ffnLdf ;+:yf cfa4 x'g' kg{]5 .
!&= ;]jf ;~rfng ug{'kg{] M ;+:yfn] a}s
+ af6 ;]jf ;~rfng ug{] cg'dltkq k|fKt u/]sf] ldltn]
5 dlxgf leq ;]jf ;~rfng ug{'kg{5 ] . pQm ;do leq ;]jf ;~rfng ug{ g;s]df ;f]sf]
dgfl;a sf/0f ;lxt lgj]bg lbPdf a9Ldf tLg dlxgf;Ddsf] cjlw yk ug{ ;lsg]5 .
!*= clen]v ;'/lIft /fVg' kg{] M -!_ ;+:yfn] P]gsf] bkmf @# sf] pkbkmf -#_ df plNnlvt
ljj/0f / a}s
+ n] ;do ;dodf lgwf{/0f u/]sf] cGo ljj/0f tyf sf/f]jf/sf] clen]v
sDtLdf kfFr jif{;Dd ;'/lIft /fVg' kg{]5 .

@
ldlt @)&(÷)*÷@( sf] ;~rfns ;ldltsf] lg0f{oaf6 yk ul/Psf] .

6
 -@_ ;+:yfn] ;DklQ z'4Ls/0f ;DaGwL k|rlnt sfg"g adf]lhd u|fxs, Ph]06 jf
;xefuL ;+:yfx?sf] ljj/0f tyf clen]v ;'/lIft /fVg' kg{]5 .
-#_ a}s
+ n] cfjZos 7fg]sf clen]v a}s
+ n] dfu]sf avt ;+:yfn] pknJw u/fpg' kg{]5 .
!(= n]vf tyf n]vfk/LIf0f M -!_ ;+:yfn] n]vf tyf n]vfk/LIf0f ;DaGwdf P]gsf] bkmf @%
adf]lhd cfjZos Joj:yf ldnfpg' kg{]5 .
-@_ ;+:yfsf] cfGtl/s n]vfk/LIf0f cw{jflif{s ?kdf / afXo n]vfk/LIf0f jflif{s ?kdf
ug{'kg{]5 .
-#_ ;+:yfsf] cfGtl/s n]vfk/LIf0f / afXo n]vfk/LIf0f km/s–km/s JolQm, kmd{, sDkgL
jf ;fem]bf/ dfkm{t ug{'kg{5
] .
-$_ tLg k6s eGbf a9L Pp6} JolQm, kmd{, sDkgL jf ;fem]bf/nfO{ n]vfk/LIfsdf
lgo'Qm ug{ kfOg] 5}g .
-%_ ;+:yfn] jflif{s ;fwf/0f;efdf ljQLo ljj/0f ;fj{hlgs ug{] :jLs[ltsf] nflu
b]xfosf ljj/0f ;+nUg u/L ljefudf lgj]bg lbg' kg{]5 M–
-s_ ;+:yfsf] gfkmf gf]S;fg ljj/0f, jf;nft tyf gub k|jfx ljj/0f, -cg';"rL
;lxt_
-v_ n]vfk/LIf0f k|ltj]bg / ;~rfns ;ldltsf] k|ltlqmof tyf k|ltj]bg .
-u_ ;+:yfsf] jflif{s cfly{s sf/f]jf/ / ultljlw ;dfj]z ePsf] ;+lIfKt
k|ltj]bg,
-3_ k|To]s cfly{s jif{sf] c;f/ d;fGtsf] lbg ;+:yfdf b]lvPsf] df}Hbft /
;]6nd]G6 a}+ssf] ;]6nd]G6 vftfdf /x]sf] df}Hbftsf] ljj/0f
-^_ pkljlgod -%_ adf]lhdsf] ljj/0f / sfuhft ;lxt lgj]bg k|fKt ePdf ljefun]
cWoog u/L lgj]bg k|fKt ePsf] ldltn] ;fdfGotofM kG„ lbgleq pko'Qm
dfWodaf6 ljQLo laj/0f ;fj{hlgs ug{ :jLs[lt lbg' kg{]5 .
@)= ljj/0f k]z ug{'kg{] M -!_ ;+:yfn] P]gsf] bkmf @& sf cltl/Qm b]xfo adf]lhdsf ljj/0f jf
sfuhft k|To]s dlxgf ;dfKt ePsf] kG„ lbgleq ljB'tLo dfWodåf/f a}s + ;dIf k]z
ug{'kg{5
] M–
-s_ ;+:yfsf] Jofj;flos sf/f]af/sf] ljj/0f,
-v_ ;kmn / c;kmn sf/f]af/sf] ljj/0f,
-u_ ;]6nd]06 a}s
+ df /x]sf] vftfsf] lx;fa ldnfg ljj/0f,

7
 -3_ ;+:yf;Fu cfa4 u|fxssf] ;+Vof / df}Hbft /sdsf] ljj/0f,
-ª_ ;+:yfsf] k|0ffnLdf cglws[t kx'Fr ePsf] jf k|of; u/]sf] eP ;f]sf] ljj/0f .
-@_ e'QmfgL ;]jf k|bfos ;+:yfn] ;~rfng u/]sf] jfn]6 jf O–dgLsf] ?kdf /x]sf] ljB'tLo
/sdsf] s'n df}Hbft ljj/0f b}lgs ?kdf ljB'tLo dfWodaf6 a}+s ;dIf k]z ug{'kg{5
] .
@!= ;DklQ z'4Ls/0f / cftª\sjfbdf nufgL ug{ gx'g] M -!_ ;+:yf ;DklQ z'4Ls/0f /
cftª\sjfb lqmofsnfk ;DaGwL nufgLdf ;+nUg x'g kfpg] 5}g . ;+:yfn] ug]{ sf/f]jf/af6
o; k|s[ltsf] u}/sfg"gL sfd sf/jfxL x'g lbg] 5}g .
-@_ ;+:yf tyf ;+:yf;Fu cfa4 Ph]06 jf afXo ;]jf k|bfg ug{] kIfn] ;d]t k|rlnt
;DklQ z'4Ls/0f ;DaGwL sfg"gsf] k"0f{ kfngf ug{'kg{]5 .
@@= u|fxssf] lxt ;+/If0f ug{'kg{] M -!_ ;+:yfn] u|fxssf] lxt ;+/If0f x'g] u/L gLltut Joj:yf
ug{k' g{]5 .
-@_ ;+:yfn] e'QmfgLsf] ;'/Iff / ;]jf k|bfg ug{] ;DaGwdf sDtLdf b]xfosf zt{ pNn]v
u/L u|fxs;Fu ;Demf}tf ug{'kg{5] M–
-s_ cgflws[t e'QmfgLdf pkef]Qmfsf] bfloTj, e'QmfgL pks/0fsf] rf]/L tyf
cgflws[t k|of]usf] ;"rgf lbg] dfWod, ;Dks{ JolQm, ;Dks{ gDa/,
-v_ v08 -s_ adf]lhd ;"rgf ug{] JolQmsf] k|df0fLs/0f -e]l/lkms]zg_ ug{]
k|lqmof,
-u_ e'QmfgL sfo{ ;DkGg ug{ nfUg] ;dofjlw,
-3_ pkef]Qmfn] ug{] sf/f]jf/df s'g} ;Ldf eP To:tf] ;Ldf,
-ª_ sf/f]jf/ ubf{ pkef]QmfnfO{ nfUg] ;]jf z'Ns,
-r_ pkef]Qmfn] e'QmfgL /f]Sg kfpg] clwsf/,
-5_ pkef]Qmfn] sf/f]jf/sf] ljj/0f k|fKt ug{] clwsf/,
-h_ c;kmn sf/f]jf/sf] ;dfwfg k|lqmof / To;df pkef]Qmfsf] clwsf/,
-em_ e'QmfgL ;]jf k|bfossf] bfloTj tyf df}Hbft lkmt{f ;DaGwL gLlt,
-`_ e'QmfgL ;]jf k|bfosn] pkef]Qmfsf] ljj/0f t];|f] kIfnfO{ pknAw u/fpg]
cj:yf,
-6_ e'QmfgL ;]jf ;DaGwdf u'gf;f] ;dfwfg ;DaGwL Joj:yf .
-#_ a}s
+ n] cfjZos 7fg]df u|fxs ;+/If0fsf nflu ul/Psf Joj:yf o; a}s
+ ;dIf k]z
ug{ lgb{]zg lbg ;Sg]5 .

8
 -$_ e'QmfgL pks/0f ;~rfng ubf{ u|fxssf] kx'Fr ;DaGwL gLltut Joj:yf :ki6 /
lje]b/lxt x'g' kg{]5 .
t/, To:tf] gLltut Joj:yf ;~rfng hf]lvd jf Jofj;flos hf]lvd
nufot s'g} klg k|sf/sf hf]lvd Joj:yfkgdf cj/f]w x'g] k|s[ltsf] x'g' x'Fb}g .
-%_ vftfjfnfn] cfkm"n] rfx]sf] avt a}+s jf ljQLo ;+:yf jf e'QmfgL ;]jf ;~rfng
ug{] ;+:yfdf /x]sf] cfˆgf] vftf /f]Ssf /fVg lnlvt jf ljB'tLo jf df}lvs
hfgsf/L lbO{ /f]Ssf /fVg ;Sg]5 .
t/ df}lvs hfgsf/L u/fO{ /f]Ssf /fv]sf] ePdf Ps sfo{lbgleq lnlvt
hfgsf/L clgjfo{ ?kdf k]z ug{'kg{5
] .
-^_ ;+:yfn] gLltut Joj:yf u/L u|fxssf] jfn]6df /x]sf] df}Hbft /sddf a}s + sf]
:jLs[lt lnO{ Jofh k|bfg ug{ ;Sg]5 . o;/L Jofh k|bfg ug{] :jLs[lt k|bfg ubf{
a}s
+ n] cfjZos zt{x¿ tf]Sg ;Sg]5 .
-&_ ;+:yfn] sf/f]af/ /sdsf] cfwf/df u|fxsnfO{ gub lkmt{f, af]g; jf cGo 5'6 k|bfg
ug{] ;DaGwL of]hgf ;~rfng ug{ ;Sg]5 . ;f]sf] hfgsf/L a}+snfO{ u/fpg' kg]{5 .
-*_ ;+:yfn] u|fxsnfO{ b]xfo adf]lhdsf ljj/0fx¿ pknAw u/fpg' kg{]5 M–
-s_ ljB'tLo dfWodaf6 sf/f]af/ ePkZrft\ ;f] sf/f]af/sf] hfgsf/L ljB'tLo
dfWodåf/f t'?Gt vftfjfnfnfO{ pknAw u/fpg' kg{],
-v_ s'g} u|fxsn] cfˆgf] vftfsf] ljj/0f dfu u/]df lghnfO{ pQm ljj/0f
pko'Qm dfWodåf/f t'?Gt pknAw u/fpg' kg{],
-u_ ;+:yfn] ljB'tLo a}+lsª sf/f]af/ ug{] l;nl;nfdf e'nj; q'l6k"0f{ sf/f]af/
u/]sf] eGg] yfxf x'g cfPdf pQm sf/f]af/sf] hfgsf/L ;DalGwt
vftfjfnfnfO{ ljB'tLo dfWodåf/f t'?Gt u/fpg' kg{] .
-(_ ;+:yfn] u|fxs;+u sf/f]jf/ ubf{ b]vfkg]{ laafbsf] ;dfwfg ug]{ ;+oGq / q'l6k"0f{
sf/f]jf/sf] lx;fj ldnfg ug{ cfjZos Aoj:yf ldnfpg' kg]{5 .
@#= ;]jf z'Ns ;DaGwdf M -!_ e'QmfgL ;DaGwL sfo{ ug{] ;+:yfn] u|fxs;Fu lng] z'Nssf]
;DaGwdf k|To]s 5 dlxgfdf / z'Ns kl/jt{g x'Fbfsf] ;dodf ljB'tLo / cGo dfWodaf6
;fj{hlgs ;"rgf k|sfzg ug{'kg{]5 .
-@_ ;]jf z'Ns ;DaGwL lj:t[t ljj/0f ljefudf k]z u/L To:tf] ljj/0f ;+:yfn] cfˆgf]
j]j;fO6df ;d]t k|sflzt ug{'kg{]5 .
-#_ u|fxs;Fu lng ;]jf z'Ns ;DaGwdf a}+sn] s'g} lgb]{zg lbPdf ;f]sf] ;d]t kfngf
ug'{kg]{5 .

9
 kl/R5]b–&
e'QmfgL pks/0f
@$= e'QmfgLsf pks/0f yk jf vf/]h ug{ lgj]bg lbg'kg{] M -!_ ;+:yfn] e'QmfgL pks/0f yk jf
vf/]h ug{' k/]df cg';"rL–$ adf]lhdsf] 9fFrfdf ljefudf lgj]bg lbg' kg{]5 .
-@_ pkljlgod -!_ adf]lhdsf] lgj]bg k|fKt ePdf ljefun] hfFra'em u/L e'QmfgL
pks/0f yk jf vf/]h u/L ;f]sf] hfgsf/L lgj]bsnfO{ lbg' kg{5
] .
@%= e'QmfgLsf pks/0fsf] k|of]u M -!_ P]gsf] bkmf #! adf]lhdsf e'QmfgLsf pks/0fsf] k|of]u
ubf{ e'QmfgL pks/0f dfkm{t ul/g] sf/f]jf/sf] ;Ldf a}s + n] ;do ;dodf lgwf{/0f u/]
adf]lhd x'g]5 .
-@_ e'QmfgL ;DaGwL sfo{ ug{] ;+:yfn] Go"gtd ;'/Iff tyf uf]kgLotfsf ;DaGwdf
cGt/{fli6«o dfkb08 ;DaGwL k|rlnt Joj:yfsf] kfngf ug{'kg{]5 .
-#_ e'QmfgL pks/0f hf/L ug{] ;+:yfn] b]xfo adf]lhdsf k|lqmof k"/f ug{'kg{5
] M–
-s_ e'QmfgL pks/0faf6 ;]jf ;~rfng ug{' k"j{ ;f] ;DaGwL gLltut Joj:yf
u/L ;~rfns ;ldltaf6 :jLs[t ug{'kg{,]
-v_ ;]jf ;~rfng ug{' k"j{ ;~rfns ;ldltsf] lg0f{o / cfjZos sfuhft
;lxt :jLs[ltsf] nflu a}+sdf k]z ug{'kg{,]
-u_ ;]jf ;~rfng ug{' k"j{ cfˆgf u|fxs;Fu ul/g] ;Demf}tf tyf zt{ ;DaGwL
ljj/0f a}s
+ df k]z ug{'kg{],
-3_ afXo ;]jf kl/rfng -cfp6;f]l;{ª_ dfkm{t ;]jf ;~rfng ug{] ePdf
;+:yfn] lgwf{/0f u/]sf dfkb08sf cfwf/df k|ltlglw 5gf}6 u/L låkIfLo
;Demf}tfsf] sfuhft ;d]t a}s+ df k]z ug{'kg{,]
-ª_ u|fxsnfO{ ;]jf k|of]u ubf{ x'g ;Sg] ;Defljt hf]lvd, hf]lvd Go"gLs/0f
tyf ;'/Iffsf pkfo, ;]jf k|of]u ug{] ljlw, ;]jf z'Ns cflbsf] af/]df
hfgsf/L u/fpg' kg{],
-r_ e'QmfgLsf pks/0fx¿af6 x'g] e'QmfgL sf/f]jf/nfO{ k"0f{ ?kn] ;'/lIft x'g]
Joj:yf ug{'kg{] .
@^= r]s ;DaGwL Joj:yf M -!_ r]sdfkm{t x'g] e'QmfgL ljlgd]o clwsf/kq P]g, @)#$ adf]lhd
x'g]5 .
-@_ a}s
+ n] ljlgd]o clwsf/kq P]g, @)#$, g]kfn /fi6« a}s + P]g, @)%*, a}s + tyf
ljQLo ;+:yf ;DaGwL P]g, @)&# tyf a}s + n] hf/L u/]sf] lgb{]zg cg';f/ r]s
dfkm{t x'g] e'QmfgLnfO{ Jojl:yt ug{ cfjZos lgb{]zg hf/L ug{ ;Sg]5 .

10
 -#_ a}s
+ tyf ljQLo ;+:yfx¿aLr x'g] sf/f]af/sf] lx;fa ldnfg ljB'tLo r]s lSnol/ª
;DaGwL Joj:yf adf]lhd a}s
+ n] clGtd km5\of}{6 ug{]5 .
-$_ ljB'tLo r]s / cGo ljB'tLo pks/0f dfkm{t x'g] e'QmfgL sf/f]af/sf] lx;fa ldnfg
clGtd -;]6nd]06 kmfOgfln6L_ / ckl/jt{gLo -Ol/ef]s]jn_ x'g]5 .
-%_ ljB'tLo r]s lSnol/ª u/] afkt lSnol/ª xfp;n] lng] ;]jf z'Ns a}+ssf]
:jLs[ltdf ;+:yfsf] ;~rfns ;ldltn] lgwf{/0f u/] adf]lhd x'g]5 .
@&= O dgL -jfn]6_ ;DaGwL Joj:yf M -!_ ;+:yfn] ljB'tLo /sdsf] dfWodaf6 ug{] sf/f]jf/sf
;DaGwdf b]xfosf zt{x¿ kfngf ug{'kg{]5 M–
-s_ e'QmfgL ;]jf k|bfos ;+:yfn] jfn]6 dfkm{t sf/f]jf/ ug{ ljB'tLo /sd
hf/L ug{ ;Sg],
-v_ ljB'tLo /sd hf/L ug{] ;+:yfn] jfl0fHo a}s+ df /x]sf] ;]6nd]06 vftfdf
/x]sf] df}Hbft /sd eGbf a9L gx'g] u/L ljB'tLo /sd hf/L ug{'kg{,]
-u_ ;]6nd]06 vftfdf /x]sf] /sd u|fxssf] jfn]6df /x]sf] ljB'tLo /sdsf]
bfloTj e'QmfgL ug{] k|of]hgsf] nflu pkof]u ug{ ;lsg],
-3_ ljB'tLo /sd g]kfnL d'›fdf dfq hf/L ug{ ;lsg],
-ª_ ljB'tLo /sdaf6 u|fxsnfO{ sh{f lbg kfOg] 5}g,
-r_ ljB'tLo /sd hf/L ug{] ;+:yfn] u|fxssf] cg'/f]w ePdf jfn]6df /x]sf]
ljB'tLo /sd sfg"gL u|fXo d'›fdf t'?Gt lkmt{f ug{'kg{5
] .
-@_ ;+:yfn] ljB'tLo /sdaf6 x'g] sf/f]jf/sf] clGtd km5\of}{6 -kmfOgn ;]6nd]06_
e'QmfgL lgb{]zg z'? u/]sf] a9Ldf rf}la; 306fleq x'g] u/L ldnfpg' kg{]5 .
@*= :jLˆ6sf] dfWodaf6 x'g] e'QmfgL M -!_ :jLˆ6df cfa4 ;+:yfn] :jb]zL d'›f nufot ljb]zL
d'›fsf] /sd Pscfk;df /sdfGt/sf] nflu ;Gb]z -Dof;]h_ k7fpg] tyf ;f]xL ;Gb]zsf]
cfwf/df ;DalGwt ;+:yfsf] vftf vr{ jf hDdf ug{] lhDd]jf/L ;DalGwt ;+:yfsf] x'g]5 .
-@_ :jLˆ6 sf/f]af/sf] ;do, ;]jf z'Ns nufotsf cGo Joj:yf a}s
+ n] lgwf{/0f u/]
adf]lhd x'g]5 .
@(= cGt/ a}s+ e'QmfgL M -!_ a}s+ tyf ljQLo ;+:yf aLr Pscfk;df /sd :yfgfGt/0f -km08
6«fG;km/_ ug{] k|of]hgsf] nflu a}s
+ sf] :jLs[ltdf cGt/ a}+s e'QmfgL k|0ffnL ;~rfng ug{
;lsg]5 .
-@_ cGt/ a}s+ e'QmfgL k|0ffnL dfkm{t /sd :yfgfGt/0f ubf{ nfUg] ;]jf z'Ns a}s
+ sf]
:jLs[ltdf ;+:yfn] lgwf{/0f u/] adf]lhd x'g]5 .

11
 -#_ e'QmfgL ;]jf k|bfg ug{] ;+:yfn] t];|f] kIf ;Demf}tf u/L a}+s tyf ljQLo ;+:yf
dfkm{t cGt/ a}s
+ sf/f]af/ ug{] sfo{df ;+nUg x'g ;Sg]5g\ .
-$_ cGt/ a}s+ e'QmfgL k|0ffnL ;~rfng ;DaGwL cGo Joj:yf a}s
+ n] tf]lslbP adf]lhd
x'g]5 .
-%_ a}+sn] xfn k|rngdf /x]sf e'QmfgL k|0ffnL afx]s cGo e'QmfgL k|0ffnL jf
pks/0fsf] ;+rfng ug{ :jLs[lt k|bfg ug{ ;Sg]5 . o; ;DaGwL cGo Joj:yf
a}s
+ n] tf]lslbP adf]lhd x'g]5 .
kl/R5]b–*
lSnol/ª tyf km:of{}6
#)= r]s lSnol/ª tyf km:of{}6 M -!_ e'QmfgL tyf km5\of}{6 k|0ffnLnfO{ Jojl:yt ug{ lSnol/ª
xfp;n] a}s
+ sf] lgodg tyf lgb{]zgsf] cwLgdf /xL sfo{ ug{'kg{]5 .
-@_ ljB'tLo r]s lSnol/ª sf/f]af/sf] clGtd km5\of}{6 a}s
+ dfkm{t x'g]5 .
-#_ lSnol/ª xfp;n] k|0ffnLsf] kl/jt{g jf r]s k|:t't ug{] ;dosf] km]/abn ;DaGwL
sfo{ ubf{ a}s
+ sf] :jLs[lt lnP/ dfq ug{'kg{5
] .
-$_ a}s
+ jf lSnol/ª xfp;df k|fljlws ;d:of pTkGg eO{ s'g} sf/0fjz clGtd
km5\of}{6 ug{] lgw{fl/t ;dodf km5\of}{6 ug{] cj:yf g/x]df ef]lnkN6 cyjf k|0ffnL
;'rf? x'g] ljlQs} a}s + jf lSnol/ª xfp;n] clGtd lx;fa ldnfg jf km5\of}{6 ug{]
Joj:yf ug{'kg{5 ] .
-%_ pkljlgod -$_ sf] cj:yfdf a}+saf6 clGtd km:of{}6sf] hfgsf/L gcfP;Dd
;DalGwt vftfaf6 vr{ jf hDdf ug{ kfOg] 5}g .
#!= e'QmfgL sf/f]af/sf] km:of{}6 M -!_ e'QmfgL tyf km5\of}{6 ;DaGwdf lx;fa lstfasf]
/fkm;fkm a}+sn] tf]lslbP adf]lhd s'n km5\of}{6 k|0ffnL jf v'b km5\of}{6 k|0ffnL jf ldl>t
km5\of}{6 k|0ffnLåf/f ug{ ;lsg]5 .
-@_ gub tyf 6«fG;km/ / :jLˆ6sf] km5\of}{6 s'n km5\of}{6 k|0ffnL dfkm{t ug{'kg{5 ] .
ljB'tLo r]s lSnol/ª dfkm{t x'g] sf/f]af/sf] km5\of}{6 v'b km5\of}{6 k|0ffnL cg'?k
ug{'kg{]5 .
-#_ cf/l6lhP; dfkm{t x'g] 7"nf] d"No sf/f]af/sf] km5\of}{6 s'n km5\of}{6 k|0ffnL adf]lhd
ug{'kg{]5 .
#@= cf/l6lhP; k|0ffnLaf6 km5\of}{6 ug{'kg{] M -!_ a}s
+ n] cf/l6lhP; k|0ffnL :yfkgf u/L 7"nf]
d"No / clt h?/L e'QmfgL -xfOEofn' P08 lqml6sn k]d]G6_ sf] km5\of}{6 s'n km5\of}{6
k|0ffnL adf]lhd ug{]5 .

12
 -@_ ;fdfGotof M :jb]zleq x'g] cGt/ a}+s sf/f]af/ cf/6LlhP; k|0ffnLdfkm{t ug{k' g{]5 .
-#_ cf/l6lhP; k|0ffnLsf] lgodg, ;~rfng, k|j4{g / lgu/fgL a}s
+ n] ug{]5 .
-$_ cf/l6lhP; k|0ffnLsf] ;~rfng sfo{ljlw, ;b:otf, sf/f]af/sf] ;Ldf, ;]jf z'Ns,
t/ntfsf] Joj:yf, hf]lvd Joj:yf, sf/f]af/ ;do, km5\of}{6 ljlw ;DaGwdf a}s
+ n]
lgb{]lzsf -cf/l6lhP; l;i6d ¿n_ hf/L ug{]5 .

kl/R5]b–(
;+:yfsf] vf/]hL
##= :j]lR5s vf/]hL M -!_ :j]lR5s vf/]hLdf hfg rfxg] ;+:yfn] b]xfosf sfuhft ;lxt a}+s
;dIf lgj]bg k]z ug{k' g{]5 M–
-s_ :j]lR5s vf/]hLsf] sfo{of]hgf,
-v_ cg'dltkq vf/]h ug{] ;DaGwdf ;fwf/0f ;efsf] lg0f{o,
-u_ cg'dltkq vf/]h ug{'kg{] sf/0f,
-3_ ;+:yfsf] u|fxsx¿;Fu bfloTj afFsL /x], g/x]sf] v'Ng] ljj/0f,
-ª_ ;]6nd]06 vftfdf /x]sf] df}Hbftsf] ljj/0f .
-@_ pkljlgod -!_ adf]lhd k]z x'g cfPsf] lgj]bg pk/ hfFra'em u/L To:tf] ;+:yfn]
cfˆgf] bfloTj k"0f{?kdf e'QmfgL ug{ ;Ifd 5 eGg] s'/fdf a}+s ljZj:t ePdf
zt{;lxt :j]lR5s vf/]hLsf] ;}4flGts ;xdlt lbg ;Sg]5 .
-#_ pkljlgod -@_ adf]lhd a}s + af6 ;}4flGts ;xdlt k|fKt ug{] ;+:yfn] b]xfo
adf]lhdsf sfo{x¿ ug{'kg{5
] M–
-s_ ;}4flGts ;xdlt k|fKt u/]sf] ldltn] ;ft lbgleq sDkgL /lhi6«f/sf]
sfo{fnodf ;f]sf] hfgsf/L bt{f u/fpg],
-v_ ;}4flGts ;xdlt k|fKt u/]sf] ldltn] tL; lbgleq ;Dk"0f{ u|fxs, ;fx' jf
;DalGwt JolQmx¿nfO{ l56f], 5l/tf] / ljZj;gLo dfWodaf6 ;f]sf] ;"rgf
k7fpg],
-u_ ;}4flGts ;xdlt k|fKt u/]sf] ldltn] tL; lbgleq /fli6«o:t/sf] b}lgs
klqsfdf ;f] ;DaGwL ;"rgf k|sfzg ug{] .
#$= :j]lR5s vf/]hLsf] k|f/De M -!_ a}+sn] :j]lR5s vf/]hL ug{ ;}2flGts ;xdlt lbPsf]
ldltb]lv ;+:yfsf] :j]lR5s vf/]hL ;DaGwL sf/afxL k|f/De ePsf] dflgg]5 .

13
 -@_ ljlgod ## adf]lhd :j]lR5s vf/]hLsf] ;}4flGts ;xdlt k|fKt ug{] ;+:yfn]
a}s
+ af6 :j]lR5s vf/]hLsf] clGtd :jLs[lt lng' cl3 b]xfosf sfo{x¿ k"/f ug{'kg{]5
M–
-s_ ;Dk"0f{ bfloTj tf]lsPsf] ;doleq lkmtf{ jf k"/f u/]sf] x'g' kg{],
-v_ sf/f]af/ ;~rfng aGb ug{'kg{] / gofF sf/f]af/ gug{],
-u_ :j]lR5s vf/]hL ug{ cTofjZos x'g] afx]s cGo clwsf/ k|of]u ug{ gkfOg] .
-#_ pkljlgod -@_ adf]lhdsf] sfd sf/afxL ug{] l;nl;nfdf a}s
+ n] cfjZos lgb{]zg
lbg ug{ ;Sg]5 .
-$_ pkljlgod -@_ sf] v08 -s_ adf]lhdsf] /sd tyf cGo bfloTj e'QmfgL kfpg]
JolQmn] tf]lsPsf] ;doleq e'QmfgL lng gcfPdf pQm /sd a}s
+ n] lgb{]zg lbP
adf]lhdsf] vftfdf hDdf ug{'kg{]5 .
-%_ :j]lR5s vf/]hLsf] nflu lbPsf] :jLs[ltsf] sf/0fn] To:tf] ;+:yfsf u|fxs / cGo
;fx'x¿sf] xslxtnfO{ s'g} klg lsl;dsf] k|lts"n k|efj kfg{] 5}g .
-^_ :j]lR5s vf/]hLdf uPsf] ;+:yfsf] o; ljlgod adf]lhdsf] sfd sf/afxL ;dfKt
ePkl5 ;f]sf] n]vfk/LIf0f k|ltj]bg a}s
+ df k]z ug{'kg{]5 .
-&_ o; ljlgod adf]lhdsf] sfo{ k"/f ug{] ;+:yfnfO{ a}s+ n] :j]lR5s vf/]hLsf] clGtd
:jLs[lt k|bfg ug{]5 . a}s
+ n] To:tf] ;+:yfsf] e'QmfgL k|0ffnL ;DaGwL sfo{ ug{]
cg'dltkq /2 ug{]5 .
-*_ :j]lR5s vf/]hLdf uPsf] ;+:yfn] tTsfn bfaLdf gcfPsf] ltg{' a'emfpg' kg{] bfloTj
afktsf] /sd 5'6\ofO{ /fVg' kg{]5 .
#%= ;+:yfsf] cg'dltkq vf/]hL M -!_ b]xfo adf]lhdsf] cj:yfdf ;+:yfsf] cg'dltkq vf/]h x'g
;Sg]5 M–
-s_ ;+:yfn] cg'dltkq k|fKt u/]sf] ldltn] 5 dlxgfleq ;]jf ;~rfng gu/]df
;+:yfnfO{ k|bfg ul/Psf] cg'dltkq :jtM vf/]h x'g]5 .
t/, pQm ;doleq ;+:yfn] ;]jf ;~rfng ug{ g;Sg'sf dgfl;j
sf/0f;lxt tf]lsPsf] ;dofjlw cufj} lgj]bg k|fKt x'g cfPdf a9Ldf tLg
dlxgf;Dd Dofb yk ug{ ;lsg]5 .
-v_ P]gsf] bkmf !# df tf]lsP adf]lhd cg'dltkqsf] gjLs/0f gePdf
;+:yfnfO{ k|bfg ul/Psf] cg'dltkq :jtM vf/]h x'g]5 .

14
 -u_ a}s
+ n] P]gsf] bkmf #% sf] Joj:yf cg';f/ P]g, ljlgod jf a}s+ n] hf/L
u/]sf] lgb{]zg jf cfb]z jf cg'dltkq k|bfg ubf{ tf]lsPsf zt{x¿
pNnª\3g u/]df ;+:yfnfO{ k|bfg ul/Psf] cg'dltkq vf/]h ug{ ;Sg]5 .
-@_ a}s
+ n] :ynut lg/LIf0f k|ltj]bgsf] cfwf/df s'g} klg e'QmfgL ;DaGwL sfo{ ug{]
;+:yf jf pks/0f ;~rfngaf6 k|0ffnLut ;'/Iff, ljQLo :yfloTj, ljQLo
;dfj]lztf jf kx'Fr cflbsf] b[li6sf]0fn] a}s
+ sf] p2]Zo / sfo{df k|lts"n c;/ jf
hf]lvd l;h{gf ub{}5 eGg] nfu]df ;+:yfnfO{ lbOPsf] To:tf] cg'dlt jf e'QmfgL
pks/0fsf] :jLs[lt /2 ug{ ;Sg]5 .
#^= bfloTjdf c;/ gkg{] M o; kl/R5]b adf]lhd s'g} ;+:yf vf/]h ePsf] sf/0faf6 o;
ljlgod jf cGo k|rlnt sfg"g adf]lhd To:tf] ;+:yfsf] s'g} z]o/wgL, ;~rfns,
sfo{sf/L k|d'v, kbflwsf/L, sd{rf/L jf cGo JolQmsf] bfloTjdf s'g} c;/ kg{] 5}g .

kl/R5]b–!)
ljljw
37= cg'dltkqk|fKt ;+:yf Ps cfk;df ufEg÷Uffleg jf k|flKt ug{ ;Sg] M e'QmfgL;DaGwL sfo{
ug{ cg'dltkqk|fKt ;+:yfx¿ b]xfo adf]lhdsf] k|lqmof k"/f u/L Ps cfk;df ufEg÷Uffleg
jf k|flKt ug{ ;Sg]5g\ .
-1_ of]Uotf;DaGwL Joj:yf M e'QmfgL;DaGwL sfo{ ug]{ ;+:yfx¿ Ps cfk;df ufEbf jf
k|flKt ubf{ e'QmfgL k|0ffnL ;~rfns / e'QmfgL ;]jf k|bfos ;+:yfx¿ ;dfg k|s[ltsf
;+:yfx¿;Fu dfq ufEg÷ufleg jf k|flKt ug{sf nflu of]Uo x'g]5g\ .
-2_ ;~rfns ;ldltn] clVtof/L lng] tyf ;+o'Qm dh{/ jf k|flKt ;ldlt u7g ug{ ;Sg]
M Ps cfk;df ufEg÷Uffleg jf k|flKt ug{ rfxg] ;+:yfx¿n] jflif{s ;fwf/0f ;ef jf
ljz]if ;fwf/0f ;efdf ;f];DaGwL k|:tfj kfl/t u/L ;~rfns ;ldltn] clVtof/L
k|fKt u/]sf] x'g'kg]{5 .
t/, ljz]if kl/l:ylt l;h{gf ePsf] cj:yfdf cfufdL ;fwf/0f ;efaf6 cg'df]bg
u/fpg] u/L ;~rfns ;ldltn] ufEg]÷ufleg] jf k|flKtsf] k|lqmof cufl8 a9fpg
;Sg]5g\ .
ufEg]÷ufleg] jf k|flKtdf ;+nUg cg'dltkqk|fKt ;+:yfx¿n] Ps ;+o'Qm dh{/ jf
k|flKt ;ldlt u7g ug{ ;Sg]5g\ .


ldlt @)*)÷)!÷@& sf] ;~rfns ;ldltsf] lg0f{oaf6 ;+zf]wg ;lxt yk ul/Psf] .

15
-3_ k|f/lDes lgj]bg M pkljlgod -!_ / -@_ adf]lhdsf] of]Uotf k'u]sf e'QmfgL;DaGwL
sfo{ ug{ cg'dltkqk|fKt ;+:yfx¿ Ps cfk;df ufEg÷Uffleg jf k|flKt ug{ rfx]sf]
cj:yfdf ;+:yfsf clVtof/ k|fKt clwsf/Ln] Ps cfk;df k|f/lDes lnlvt
;dembf/L (Memorandum of Understanding) u/L ;}4flGts ;xdltsf nflu o;
ljefu ;dIf ;+o'Qm ?kdf lgj]bg lbg'kg]{5 . o:tf] lgj]bg lbFbf ufEg÷uflegsf]
nflu cg';"rL–^ / k|flKtsf] nflu cg';"rL–& adf]lhdsf] 9fFrfdf b]xfo adf]lhdsf
ljifox¿ :ki6 v'nfO{ lgj]bg lbg''kg]{5 .
-s_ e'QmfgL;DaGwL sfo{ ug]{ ;+:yfx¿n] ufEg]÷ufleg] jf k|flKt ug]{ ;DaGwdf
u/]sf] k|f/lDes lnlvt ;dembf/L (Memorandum of Understanding)
kq,
-v_ ufEg]÷ufleg] jf k|flKtsf] cfjZostf tyf cf}lrTo, ;f]af6 b]zsf] e'QmfgL
k|0ffnLdf kg]{ c;/sf] ;fdfGo k|If]k0f tyf Jofj;flos of]hgf,
-v_ ufEg]÷ufleg] jf k|flKt k|lqmofdf ;xefuL x'g] ;+:yfx¿sf] kl5Nnf] cfly{s
jif{sf] n]vfk/LIf0f ePsf] jf;nft / gfkmf–gf]S;fg lx;fa nufotsf]
ljQLo ljj/0f;lxtsf] n]vfk/LIfssf] k|ltj]bg,
-3_ ufEg]÷ufleg] jf k|flKt ug]{ ;+:yfsf sd{rf/L Joj:yfkgsf] ljj/0f,
-ª_ k|rlnt sDkgL tyf cGo ljifo;DaGwL sfg'g adf]lhdsf] :jLs[lt k|lqmof,
-r_ ufEg]÷ufleg] jf k|flKt ug]{ ;+:yfx¿n] shf{ lnPsf ;fx"x¿sf] lxt ;'/Iffy{
ul/Psf] Joj:yf tyf e'QmfgL k"jf{wf/sf] ;'/Iffsf nflu cfjZos Joj:yf,
-5_ ufleg] ;+:yfsf] rn crn ;DklQ / bfloTjsf] e'QmfgL cjlw;lxtsf]
oyfy{ ljj/0f,
-h_ ufEg]÷ufleg] jf k|flKt ug{] ;+:yfsf e'QmfgL pks/0f jf e'QmfgL
k|0ffnLx¿sf] PsLs/0f tyf u|fxsx¿sf] Joj:yfkg sfo{of]hgf,
-em_ a}+sn] tf]s] adf]lhdsf cGo ljj/0f .
-4_ pk–ljlgod -#_ adf]lhd lgj]bg k|fKt ePkl5 cfjZostf cg';f/ ljefun]
lgj]bsx¿;Fu ljleGg r/0fdf 5'§f5'§} jf ;fd"lxs ?kn] 5nkmn ug{ ;Sg]5 .
-5_ ;}4flGts ;xdlt M -s_ ljlgod #& sf] pkljlgod -#_ adf]lhd lgj]bg k|fKt
ePkl5 k|:tfj adf]lhdsf] ufEg]÷ufleg] jf k|flKtaf6 d'n'ssf] e'QmfgL k|0ffnLsf]
ljsf;, :jR5 k|lt:kwf{ tyf e'QmfgL k"jf{wf/sf] ljsf; tyf ;'/Iffdf ;sf/fTds
k|efj kg{] ljifodf a}+s ljZj:t ePdf ufEg]÷ufleg] jf k|flKtsf] k|lqmof cufl8
a9fpg zt{;lxt ;}4flGts ;xdlt k|bfg ug{ ;Sg]5 .

16
 -v_ ;Dk"0f{ sfuhft k]z ePsf] #% lbgleq a}+sn] ;}4flGts ;xdlt ;DaGwdf
lg0f{o ug{]5 .
-6_ k|lqmofaf6 cnu x'g g;Sg] M ;}4flGts ;xdlt k|fKt u/]sf ;+:yfx¿n] ufEg]÷ufleg]
jf k|flKt k|lqmofnfO{ dgfl;j sf/0f;lxt a}+ssf] :jLs[lt glnO{ cfkm"v'zL e+u u/L
To:tf] k|lqmofaf6 cnu ePsf] lg0f{o ug{;Sg] 5}gg\ .
t/, ;+:yfx¿af6 ufEg]÷ufleg] jf k|flKt ug]{ k|lqmofaf6 cnu x'g dgfl;j
dflkmssf] sf/0f v'nfO{ ;~rfns ;ldltsf] lg0f{o;lxt lgj]bg k]z x'g cfPdf a}+sn]
;}4flGts ;xdlt /2 ul/lbg ;Sg]5 .
-7_ b'O{ jf b'O{eGbf a9L ;+:yfx¿ Ps cfk;df ufEg÷ufleg jf k|flKtsf nflu ;+o'Qm
lgj]bg lbg] ;+:yfx¿dWo] s]xL ;+:yfx¿ Ps cfk;df ufEg÷ufleg jf k|flKtsf nflu
;xdt ePsf] cj:yfdf a}+sn] cf}lrTo x]/L tL ;+:yfx¿sf] nflu dfq ;}4flGts
;xdlt sfod /fVg ;Sg]5 .
-8_ ;DklQ, bfloTj tyf sf/f]af/sf] d"NofÍg M of] ljlgodfjnLadf]lhd ufEg÷ufleg jf
k|flKtsf nflu ;}4flGts ;xdlt k|fKt u/]kl5 ufEg]÷ufleg] jf nlIft ;+:yfx¿n] cf–
cfˆgf] ;DklQ, bfloTj tyf sf/f]af/sf] d"NofÍg ug{ n]vfk/LIfsnfO{ cfk;L
;xdltdf d"NofÍgstf{ lgo'Qm u/L ;f]sf] hfgsf/L a}+snfO{ lbg'kg]{5 . d"NofÍgstf{n]
/fli6«o tyf cGt/f{li6«o :t/df :yflkt dfGotf, cfwf/ tyf dfkb08sf] cfwf/df
;+:yfsf] ;DklQ tyf bfloTjsf] d"NofÍg u/L lj:t[t d"NofÍg k|ltj]bg (Due
Diligence Report) tof/ ug'{kg]{5 .
pQm k|ltj]bgdf d"NofÍgstf{n] nlIft ;+:yfsf z]o/wgLx?nfO{ k|fKt ug]{ ;+:yf
-Acquirer_ sf] z]o/df jf gubdf e'QmfgL lbg to x'g] z]o/ :jfk cg'kft (Share
Swap Ratio) jf d"No u0fgf u/L ;'emfj k]z ug'{kg]{5 . a}s + n] nlIft ;+:yfsf] dfq
;DklQ tyf bfloTjsf] lj:t[t d'NofÍg u/fpg ;Sg]5 . ;+:yfn] z]o/ :jfk cg'kft
jf gubdf d"No lgwf{/0f ubf{ d"NofÍgstf{n] ;'emfj u/]sf] cg'kftdf !) k|ltzteGbf
a9Ln] yk36 x'g]u/L lg0f{o ug{] 5}g .
-9_ clGtd ;Demf}tf M of] ljlgodfjnLadf]lhd ufEg]÷ufleg jf k|flKtsf nflu ;}4flGts
;xdlt kfPsf ;+:yfx¿n] b]xfosf ljj/0f v'Ng] u/L Ps cfk;df clGtd ;Demf} tf
ug'{kg]{5 M
-s_ ufEg]÷ufleg] jf k|flKtdf ;xefuL ;+:yfx¿sf] gfd, 7]ufgf tyf sfo{If]q /
ufleP/ jf k|flKtkl5 /xg] gfd, 7]ufgf tyf sfo{If]q,
-v_ ufEg'÷ufleg' jf k|flKtsf] cfjZostf / cf}lrTo,
-u_ ;DklQ, bfloTj tyf sf/f]af/sf] d"NofÍg, ;DklQ÷bfloTjsf] ldnfg k4lt,
;DklQ÷bfloTjsf] lx;fa ldnfg u/L n]gb]gsf] nflu :jLsf/ ePsf] d"No,

17
 -3_ ufEg]÷ufleg] jf k|flKt ug{] ;+:yfsf e'QmfgL pks/0f jf e'QmfgL
k|0ffnLx¿sf] PsLs/0f tyf u|fxsx¿sf] Joj:yfkg sfo{of]hgf,
-ª_ ufEg÷ufleg jf k|flKt ug{ nfUg] cg'dflgt ;dofjlw, uflePkl5 jf
k|flKtkl5 PsLs[t sf/f]af/ z'? ug]{ ldlt;lxtsf] k|:tfljt sfo{of]hgf,
-r_ ufEg] jf k|fKt ug]{ ;+:yfsf] k|aGwkq tyf lgodfjnLdf ug]{ ;+zf]wg, gofF
cg'dltkqk|fKt ;+:yfsf] ?kdf kl/0ft x'g] eP ;f] ;+:yfsf] k|aGwkq tyf
lgodfjnLsf] Joj:yf,
-5_ uflePkl5 jf k|flKtkl5sf] k'FhL ;+/rgf, lgoGq0fdf kl/jt{g, :jfldTj
;+/rgf / ufleP/ jf k|flKtkl5 sfod /xg] ;+:yfsf] ;~rfns ;ldltsf]
ljj/0f, ;~rfng tyf Joj:yfkg ;+/rgf,
-h_ ufleP/ jf k|flKtkl5 sfod /xg] ;+:yfsf] cfwf/e"t z]o/wgLx¿sf] ljj/0f,
-em_ ufleP/ jf k|flKtkl5 sfod /xg] ;+:yfsf] sd{rf/L Joj:yfkg;DaGwL ljifo
-`_ ufEg]÷ufleg] jf k|flKtdf ;+nUg ;+:yfx¿sf] k|lt z]o/ d"No, ;DklQ /
bfloTjsf] d"NofÍg k|ltj]bg cg';f/sf] k|lt z]o/ g]6jy{, z]o/ :jfk
cg'kft jf gubdf e'QmfgL lbg to ePsf] d"No tyf :jfk cg'kft jf
d"No lgwf{/0fsf cfwf/x¿,
-6_ k|rlnt sDkgL tyf cGo sfg'g kfngfsf] nflu k"/f ug'{kg]{ ljifo /
:jLs[lt k|lqmof,
-7_ ;+:yfut k'g;{+/rgf, Ps cfk;df sfof{nox¿sf] ldnfg tyf ;~rfng
Joj:yf,
-8_ ufEg]÷ufleg] jf k|flKt sfo{sf] cg'dflgt nfut /sd tyf ufEg]÷ufleg] jf
k|flKt sfo{df ;+nUg ;+:yfx?n] axg ug]{ nfutsf] c+z,
-9_ uflePkl5 jf k|flKtkl5 aGg] ;+:yfsf] k|0ffnLsf] Plss/0f (System
Integration) / Data Migration ;DaGwL Aoj:yf,

-0f_ a}+sn] tf]s]sf cGo cfjZos ljifox¿ .

-10_ clGtd :jLs[lt M ufEg]÷ufleg] jf k|flKt ug]{ k|lqmof cufl8 a9fpg ;}4flGts
;xdlt kfPsf ;+:yfn] ;}4flGts ;xdlt k|fKt u/]sf] ldltn] () lbgleq cf–cfˆgf]
;fwf/0f ;efaf6 ;f];DaGwL ljz]if k|:tfj kfl/t u/L ufEg]÷ufleg] jf k|flKt ug]{
sfo{sf] clGtd :jLs[ltsf] nflu pk–ljlgod -(_ adf]lhd clGtd ;Demf}tf u/L b]xfo
adf]lhdsf sfuhft tyf ljj/0f :ki6 v'Ng] u/L r]slni6;lxt ljefu ;dIf ;+o'Qm
?kdf lgj]bg lbg'kg]{5 .

18
 -s_ ufEg]÷ufleg] jf k|flKt k|lqmofdf ;xefuL x'g] ;+:yfx¿sf] kl5Nnf] cfly{s
jif{sf] n]vfkl/If0f ePsf] jf;nft / gfkmf–gf]S;fg lx;fa nufotsf] ljQLo
ljj/0f;lxtsf] n]vfk/LIfssf] k|ltj]bg,
-v_ ufEg]÷ufleg] jf k|flKt ug]{ ;DaGwdf u/]sf] clGtd ;Demf}tfkq,
-u_ ufEg]÷ufleg] jf k|flKt k|lqmofdf ;xefuL x'g] ;+:yfx¿sf] ;DklQ / bfloTjsf]
oyfy{ ljj/0fsf] nflu lgo'Qm d"NofÍgstf{sf] lj:t[t d"NofÍg k|ltj]bg (Due
Diligence Report),

-3_ ufEg] ufleg] jf k|flKt ug{] ;+:yfsf e'QmfgL pks/0f jf e'QmfgL k|0ffnLx¿sf]
PsLs/0f tyf u|fxsx¿sf] Joj:yfkg sfo{of]hgf,
-ª_ ufEg]÷ufleg] jf k|flKt ug]{ d"n ;+:yf tyf nlIft ;+:yfx¿sf] z]o/ :jfk
cg'kft jf gubdf e'QmfgL lbg to ePsf] d"No lgwf{/0f;DaGwL ;~rfns
;ldltsf] lg0f{osf] k|ltlnlk,
-r_ ufEg]÷ufleg] jf k|flKt ;DaGwdf :jLs[t ePsf] clGtd sfo{of]hgf tyf
uflePkl5 jf k|flKtkl5 PsLs[t sf/f]af/ z'? ug]{ ldlt v'n]sf] sfo{tflnsf,
-5_ ufEg]÷ufleg] jf k|flKt ug]{ ;+:yfsf sd{rf/Lx¿sf] Joj:yfkgsf] sfo{of]hgf,
-h_ uflePkl5 jf k|flKtkl5sf] Jofj;flos of]hgf,
-em_ uflePkl5 jf k|flKtkl5 sfod /xg] ;+:yfsf] ;~rfns ;ldltsf] ;+/rgf,
-`_ uflePkl5 jf k|flKtkl5 aGg] ;+:yfsf] System Integration / Data
Migration ;DaGwL Aoj:yf
-6_ a}+sn] tf]s]sf cGo sfuhft tyf ljj/0f .
-11_ pkljlgod -!)_ adf]lhd lgj]bg tyf tf]lsPsf sfuhftx¿ k"0f{ ?kdf k|fKt
ePkZrft\ hfFra'em u/L #% lbgleq cg'dltkqk|fKt ;+:yfx¿nfO{ Ps cfk;df
ufEg÷ufleg jf k|flKt ug{ :jLs[lt lbg] jf glbg] lg0f{o u/L ;f]sf] hfgsf/L
;DalGwt ;+:yfx¿nfO{ lbOg]5 . clGtd :jLs[lt k|bfg ubf{ a}+sn] cfjZos b]lvPsf
ljifox¿df ;+zf]wg ug{ nufpg jf zt{x¿ tf]Sg ;Sg]5 .
-12_ ufEg]÷ufleg] jf k|flKt ug]{ clGtd :jLs[lt k|fKt u/]sf] #) lbg leq PsLs[t
sf/f]jf/ ;~rfng u/L ;Sg' kg]{5 .
-13_ a}+sn] s'g} cg'dltkqk|fKt ;+:yf ufEg]÷ufleg] jf k|flKt ;DaGwdf u/]sf] lg0f{o tyf
ufleP/ jf k|flKtkl5 sf/f]af/ yfngL ug]{ ldlt v'n]sf] Joxf]/f ;j{;fwf/0fsf]
hfgsf/Lsf nflu lg0f{o ePsf] #) lbgleq /fli6«o :t/sf] b}lgs klqsfdf b'O{ k6s
;"rgf k|sfzg ug'{kg]{5 / To:tf] ;"rgf ;DalGwt cg'dltkqk|fKt ;+:yfn] ;d]t ;f]

19
 ;DaGwdf lg0f{o k|fKt u/]sf] ldltn] !% lbgleq ;j{;fwf/0fsf] hfgsf/Lsf nflu s'g}
/fli6«o :t/sf] b}lgs klqsfdf sDtLdf b'O{ k6s k|sfzg ug'{kg]{5 .
-14_ afWofTds Joj:yf M e'QmfgL ;DaGwL sfo{ ug]{ cg'dltkqk|fKt s'g} ;+:yfsf
;~rfnsx¿sf] csf]{ ;+:yfdf !) k|ltzteGbf a9L z]o/ :jfldTj ePsf] cj:yfdf
To:tf ;+:yfx¿nfO{ afWofTds ?kdf Ps cfk;df ufEg÷Uffleg jf k|flKt ug{
lgb]{zg lbg ;Sg]5 .
-15_ sf/afxL tyf ;hfo M ;}4flGts ;xdlt k|fKt u/L tf]lsPsf] ldltdf clGtd
:jLs[ltsf nflu lgj]bg k]z gug{] jf clGtd l:js[lt k|fKt u/]kZrft tf]lsPsf]
ldltdf PsLs[t sf/f]af/ gug{] ;+:yfnfO{ e'QmfgL tyf km:of}{6 P]g, @)&% adf]lhd
sf/afxL ul/g]5 .
#*= ;j{;fwf/0fdf z]o/ hf/L ug{'kg{] M ;a{;fwf/0fdf z]o/ hf/L ug]{ u/L klAns sDkgLsf]
?kdf bt{f eO{ a}s+ af6 e'QmfgL ;]jf ;~rfngsf] nflu cg'dltkq k|fKt ;+:yfn] ;]jf
k|f/De u/]sf] ldltn] tLg jif{leqdf sDtLdf la; k|ltzt z]o/ ;j{;fwf/0fdf hf/L
ug{'kg{5
] .
#(= afXo ;]jf kl/rfng ug{ ;Sg] M -!_ s'g} e'QmfgL tyf km5\of}{6 ;]jf ;~rfng, ;]jf k|jfx
jf pks/0f hf/L ug{] jf k|of]u ug{] sfo{;Fu ;Da4 ;+:yfn] cGo ;+:yf;Fu ;Demf}tf u/L
afXo ;]jf kl/rfng -cfp6–;f]l;{Ë_ ug{ ;Sg]5 .
-@_ ;+:yf ;~rfng ug{] qmddf afXo ;]jf kl/rfng ug{'kg{] ePdf ;f]sf] hfgsf/L tyf
;Demf}tfsf] sfuhft ;lxtsf] ljj/0f tTsfn a}+sdf k]z ug{'kg{5
] .
-#_ a}s
+ n] ;do ;dodf hf/L ug{] gLlt, lgod tyf lgb{]zgsf] cwLgdf /xL afXo ;]jf
kl/rfng ;DaGwL sfo{ ;Dkfbg ug{'kg{5] .
-$_ afXo ;]jf kl/rfng ubf{ lnlvt ?kdf ;Demf}tf u/L ;f] cg';f/ s'g s'g sfo{df
afXo ;]jf kl/rfng ul/Psf] xf] :ki6 ug{'kg{]5 . afXo ;]jf kl/rfng cGtu{t
;+nUg t];|f] kIfn] ;d]t o; ljlgodfjnL tyf a}s + n] cfjZostf cg';f/ ;do
;dodf hf/L ug{] lgb{]zg jf kl/kqsf] kfngf ug{'kg{]5 .
t/, afXo ;]jf dfkm{t ;Dkfbg x'g] ;Dk"0f{ sf/f]af/sf] e'QmfgL, ;dfzf]wg tyf
km:of{}6sf] k"0f{ lhDd]jf/L ;DalGwt ;+:yfsf] x'g]5 .
-%_ ;+:yfn] afXo ;]jf kl/rfng ;DaGwL gLlt ;+:yfsf] ;~rfns ;ldltaf6 :jLs[t
u/fP/ dfq nfu" ug{'kg{5
] . o;/L ePsf] sfo{sf] hfgsf/L a}+snfO{ tTsfn u/fpg'
kg{]5 .
-^_ ;+:yfn] afXo ;]jf kl/rfng ubf{ ;+nUg kIfx¿sf] bfloTj tyf clVtof/L :ki6 x'g]
u/L ug{'kg{]5 .

20
 -&_ ;+:yfn] afXo ;]jf kl/rfng u/L sf/f]jf/ ;~rfng u/]sf] cj:yfdf a}s + n]
cfjZos 7fg]df afXo ;]jf kl/rfng ug{] ;+:yfsf] ;d]t lg/LIf0f ug{ ;Sg]5 .
$)= Ph]G6dfkm{t ;]jf ;~rfng ug{ ;Sg] M -!_ ;+:yfn] e'QmfgL pks/0f hf/L ug{], ;]jf k|bfg
ug{] jf ;~rfng ug{] sfo{nfO{ Ph]06 dfkm{t ;d]t ug{ ;Sg]5g\ .
-@_ ;+:yfn] Ph]G6dfkm{t e'QmfgL ;]jf ;~rfng ubf{ b]xfosf ljifo;Fu ;DalGwt
hfgsf/L o; a}s+ df k]z ug{'kg{]5 M–
-s_ Ph]G6sf] gfd / 7]ufgf ;lxtsf] lj:t[t Jofj;flos tyf JolQmut ljj/0f,
-v_ Ph]G6nfO{ k|bfg ul/Psf] clwsf/sf] ;Ldf / p;n] lgj{fx ug{] sfo{sf]
lj:t[t ljj/0f,
-u_ ;DklQ z'4Ls/0f / cftÍjfb lj?4sf] nufgLsf ;DaGwdf Ph]G6n] kfngf
ug{'kg{] bfloTj / ;f] ;DaGwdf Ph]G6n] k|of]u ug{] cfGtl/s lgoGq0fsf]
ljj/0f,
-3_ Ph]G6n] k|bfg ug{] e'QmfgL ;]jf / pks/0fsf] lj:t[t ljj/0f .
-#_ Ph]G6;Fu ul/Psf] ;Demf}tfsf] cnfjf ;+:yfn] b]xfosf ljj/0f cBfjlws u/L
;'/lIft /fVg' kg{]5 M–
-s_ ;]jf k|jfx ug{] Ph]G6sf] Joj:yfkgdf ;+nUg k|d'v lhDd]jf/ JolQmx¿sf]
JolQmut ljj/0f,
-v_ e'QmfgL ;]jfsf] ;~rfngdf Ph]G6sf] k|of]usf sf/0faf6 x'g ;Sg] ;Defljt
t/ntf hf]lvd Go"gLs/0f ug{ ko{fKt t/ntf Joj:yfkgsf pkfox¿ ;lxt
;+:yfn] tf]s] adf]lhdsf] ;'/If0f ;DaGwL ljj/0f .
-$_ Ph]G6 dfkm{t ;]jf k|bfg ug]{ ;+:yfn] Ph]G6 ;DaGwL hfgsf/L jf ;"rgf
;j{;fwf/0fsf] hfgsf/Lsf] nflu k|sfzg / k|;f/0f ug{'kg{]5 .
-%_ ;+:yfn] cfˆgf sd{rf/L jf afXo ;]jf kl/rfng dfkm{t jf s'g} Ph]G6 dfkm{t ul/g]
s'g} klg e'QmfgL ;DaGwL sfo{sf] ;DaGwdf ;+:yf k"0f{ ?kdf lhDd]jf/ x'g' kg{]5 .
$!= cg'udg, lgu/fgL tyf lg/LIf0f ug{ ;Sg] M -!_ P]g, o; ljlgodfjnL, k|rlnt sfg"g tyf
cGt/{fli6«o c;n cEof;sf] cfwf/df ;]jfu|fxLsf] lxtnfO{ Wofgdf /fvL a}+sn] ;+:yfsf]
cg'udg, lgu/fgL tyf lg/LIf0f ug{ ;Sg]5 .
-@_ cg'udg ubf{ ljQLo cj:yf, u|fxs ;+/If0f, ;"rgf tyf clen]vsf] uf]kgLotf /
;'/Iffdf ljz]if Wofg lbg' kg{]5 .
$@= lgb{]zg lbg ;Sg] M -!_ P]g, cGo k|rlnt sfg"g / o; ljlgodfjnLsf] sfo{fGjogsf] nflu
a}s
+ n] ;DalGwt ;+:yfnfO{ ;do ;dodf cfjZos lgb{]zg lbg ;Sg]5 .

21
 -@_ pkljlgod -!_ adf]lhd a}s
+ n] lbPsf] lgb{]zg kfngf ug{' ;DalGwt ;+:yfsf] st{Jo
x'g]5 .
$#= ;"rgf hf/L ug{ ;Sg] M a}s
+ n] e'QmfgL tyf km5\of}{6 k|0ffnL ;DaGwL ljifodf ;j{;fwf/0fsf]
hfgsf/Lsf nflu ;"rgf hf/L ug{ ;Sg]5 .
$$= ;+:yf pQ/bfoL x'g] M -!_ ljB'tLo sf/f]af/ ;~rfng ug{] qmddf gLltut tyf k|lqmofut
Joj:yfsf sf/0fn] e'QmfgL sf/f]af/ ;DaGwL s'g} ljjfb pTkGg ePdf ljjfb tyf ;d:of
;dfwfg ug{] clGtd pQ/bfloTj ;DalGwt ;+:yfsf] x'g]5 .
-@_ e'QmfgL k|0ffnL ;~rfng ubf{ ;+:yfsf] sf/0fn] s'g} k|fljlws, k|0ffnLut jf cGo
;d:of pTkGg eO{ xflg gf]S;fgL ePdf ;f]sf] bfloTj ;+:yfn] Joxf]g{' kg{]5 .
$%= e'QmfgL tyf km5\of}{6 k|0ffnLsf] ;'/Iff M ;+:yfn] ;'/Iff gLlt tyf 9fFrf / ;'/Iffsf pkfo
;DaGwdf ug{'kg{] gS;fª\sg, cg'udg / lgoldt ;'/Iff k/LIf0fsf] cltl/Qm b]xfo
adf]lhdsf ;'/Iff;Fu ;DalGwt Joj:yfsf] kfngf ug{'kg{5 ] M–
-s_ Joj;flos lg/Gt/tf, l8hf:6/ l/se/L tyf ljkb\ Joj:yfkgsf ;DaGwdf gLlt
agfO{ nfu" ug{'kg{,]
-v_ 8f6f ;]G6/df ;e{/, Jofsck l8efO;, g]6js{ l8efO; nufotsf d'Vo
k"j{fwf/x¿sf] cltl/Qm l8hf:6/ l/se/L ;fO6sf] Joj:yf ug{'kg{,]
-u_ e'QmfgL k|0ffnLdf s'g} ;xefuLsf] t/ntfsf] cefj jf 6f6 klN6Psf] sf/0faf6
e'QmfgL k|0ffnLdf cfpg ;Sg] hf]lvd Go"gLs/0f ug{ cfjZos Joj:yf ldnfpg'
kg{],
-3_ e'QmfgL lgb{]zgsf] sfo{fGjog, sf/f]af/sf] clGtd km5\of}{6 -;]6nd]06 kmfOgfln6L_,
t/ntf Joj:yfkg, C0f / lx;fa ldnfg ;dod} ug{] ;DaGwdf sf/f]af/sf] km5\of}{6
x'g' cufj} cfjZos Joj:yf ug{'kg{],
-ª_ dxTjk"0f{ tyf ;+j]bgzLn k|s[ltsf tYofÍ ;fj{hlgs x'g], b'?kof]u x'g], xflg
gf]S;fgL, x/fpg] jf rf]/L x'gaf6 hf]ufpg cfjZos ;'/IffTds pkfo ckgfpg'
kg{],
-r_ ;+:yfn] jflif{s ¿kdf l;:6d cl86 ug{'kg{,]
-5_ e'QmfgL k|0ffnL ;~rfns tyf ;]jf k|bfos ;+:yfx¿n] k]d]G6 sf8{ O08li6« 8f6f
;]So'l/l6 :6\of088{ -lkl;cfOl8P;P;_ / cfOP;cf] @&))) sf dfkb08 k'/f
ug{'kg{],
-h_ ;+:yfn] u|fxssf] jfn]6df /x]sf] tyf sf/f]jf/ /sdsf] ;'/Iffsf] nflu aLdf ug{ ;Sg]5
$^= sf/jfxL, s;'/ / b08 ;hfo ;DaGwL Joj:yf M of] ljlgodfjnLsf] pNnª\3g u/L sfo{
u/]df P]gsf] kl/R5]b & adf]lhdsf] s;'/ ;/x sf/jfxL / b08 ;hfo x'g]5 .

22
$&= lg0f{o ug{] tyf k|:tfj :jLs[t ug{] clVtof/L M e'QmfgL tyf km:of{}6;Fu ;DalGwt ljifodf
cfjZos lg0f{o ug{] tyf k|:tfj :jLs[t ug{] clVtof/L cg';"rL–% adf]lhd x'g]5 .
$*= afwf c8\sfp km'sfpg] M o; ljlgodfjnL sfo{fGjog ug{ s'g} afwf c8\sfp k/]df
ueg{/n] afwf c8\sfp km'sfpg ;Sg]5 .
$(= vf/]hL / arfp M -!_ e'QmfgL tyf km5\of}{6 ljlgodfjnL, @)&@ vf/]h ul/Psf] 5 .
-@_ e'QmfgL tyf km5\of}{6 ljlgodfjnL, @)&@ adf]lhd eP u/]sf sfd sf/afxL o;}
ljlgodfjnL adf]lhd eP u/]sf] dflgg]5 .

23
 cg';"rL–!
-ljlgod & sf] pkljlgod -@_ ;Fu ;DalGwt_
;Demf}tfdf ;dfj]z ug{'kg{] ljifo

!= ;Demf}tfdf ;xefuL ;+:yfsf] kl/ro -7]ufgf ;lxt_

@= ;Demf}tfsf] p2]Zo
#= e'QmfgL sfo{ ug{] ;+:yfn] pknAw u/fpg] ;]jf / k|lqmof
$= kIfsf] sfo{If]q / P]gsf] bkmf !@ adf]lhdsf] bfloTj axg ug{] Joj:yf
%= sf/f]jf/sf] lx;fj ldnfg k|lqmof -k|To]s sf/f]jf/sf] ;]6nd]G6 ubf{ nfUg] ;do ;d]t_
^= lx;fj ldnfg z'Ns
&= l;i6d, 8f6f / sf/f]jf/ k|lqmofsf] ;'/Iff
*= sf/f]jf/ ;~rfngsf] lgoGq0f
(= sf/f]jf/ uf]Kotf / ;"rgfsf] pknAwtf
!)= ljjfb ;dfwfg k|lqmof
!!= hf]lvd Joj:yfkg / cg'udg ljlw
!@= ;Demf}tfsf] ;dofjlw -;Demf}tf gjLs/0f / vf/]h x'g] k|lqmof ;d]t_
!#= ;Demf}tfdf b:tvt ug{] JolQm -sfo{sf/L k|d'v jf ;~rfns ;ldltn] tf]s]sf] clwsf/L_

24
 cg';"rL–@
-ljlgod ( ;Fu ;DalGwt_
;+:yfsf] ljj/0fsf] 9fFrf

g]kfn /fi6« a}+s

e'QmfgL k|0ffnL ljefu
a}+saf6 cg'dltkq k|fKt u}/ a}+s tyf ljQLo ;+:yfsf] ljj/0f
-@)==== ======== d;fGt;Dd_
!= e'QmfgL k|0ffnL ;~rfns (Payment System Operator-PSO)
cg'dltkq k|fKt
qm=;+= ;+:yfsf] gfd s]G›Lo sfo{fno r'Qmf k"FhL
ldlt
!
@

@= e'QmfgL ;]jf k|bfos (Payment Service Provider-PSP)

cg'dltkq k|fKt
qm=;+= ;+:yfsf] gfd s]G›Lo sfo{fno r'Qmf k"FhL
ldlt
!
@

25
 cg';"rL—#
-ljlgod !@ ;Fu ;DalGwt_
zky u|x0f kmf/dsf] 9fFrf
d -kbflwsf/L / ;+:yfsf] gfd_ ;+:yfsf] ================== kbdf lgo'Qm÷dgf]gog÷lgj{flrt
ePsf]n] ;f] kbsf] st{Jo k|rlnt sfg"g tyf a}s + sf] lgodg / lgb{]zgsf] cwLgdf /xL
e'QmfgL k|0ffnLsf] ;Da4{g tyf o; ;+:yfsf] lxtnfO{ ;b}j Wofgdf /fvL cfˆgf] st{Jo
Odfgbf/Lsf ;fy kfngf ug{]5' . o; ;+:yfsf] sf/f]af/ tyf uf]Ko /fVg' kg{] s'/fx¿ sxL st}
k|sfz kfg{] 5}g . ================ sf] x}l;otn] ;~rfns ;ldltn] clwsf/ lbPsf] / sfg"gn]
afWo u/]sf] cj:yfdf afx]s d]/f] hfgsf/Ldf cfPsf s'g} klg hfgsf/L tyf ;"rgf kbdf
axfn /x]sf] jf g/x]sf] h'g;'s} cj:yfdf klg k|ToIf jf ck|ToIf ?kdf s'g} klg k|sf/n]
s;}nfO{ hfgsf/L lbg] 5}g egL Odfg wd{ ;DemL ;To lgi7fk"j{s kb tyf uf]kgLotfsf]
zky u|x0f ub{5' .

zky u|x0f ug{] JolQmsf] – zky u|x0f u/fpg] kbflwsf/Lsf] –

gfd M gfd M

kb M kb M

b:tvt M b:tvt M

ldlt M ldlt M

26
 cg';"rL—$
-ljlgod @$ sf] pkljlgod -!_ ;Fu ;DalGwt_
e'QmfgL pks/0f yk÷vf/]hLsf] nflu lgj]bgsf] 9fFrf

ldlt M @)=====÷ ÷
>L g]kfn /fi6« a}+s,
s]G›Lo sfo{fno,
e'QmfgL k|0ffnL ljefu,
afn'jf6f/, sf7df8f}+ .

laifo M e'QmfgL pks/0f yk÷vf/]hL u/L kfpmF .

dxfzo,
o; ;+:yfn] e'QmfgL tyf km5\of}{6 P]g, @)&% adf]lhd e'QmfgL ;DaGwL sfo{ ug{
cg'dltkq k|fKt u/]sf]df cg'dltkqdf pNn]v gePsf] b]xfosf] pks/0f yk ug{÷sfod
/x]sf] b]xfosf] pks/0f vf/]h ug{sf] nflu cfjZos sfuhft ;lxt of] lgj]bg k]z u/]sf]
5'÷u/]sf 5f}+ .
tk;Ln M
!= ==============
@= =============
#= ==============
cfjZos sfuhft yfg ======= ;+nUg 5g\ .
ejbLo,

b:tvt ===================
gfdM
7]ufgfM
df]afOn g+=M
6]lnkmf]g g+=M
ˆofS; g+=M
Od]n 7]ufgfM
j]a;fO6M

27
 cg';"rL–%
-ljlgod $& ;Fu ;DalGwt_
clVtof/L
l;=g+= sfdsf] ljj/0f :jLs[t ug]{ clwsf/L
!= e'QmfgL k|0ffnL ;DaGwL ljlgodfjnL :jLs[t ug]{ ;~rfns ;ldlt
@= 7"nf] tyf ;fgf] d"Nodf x'g] e'QmfgL k|0ffnLsf] ljsf; ug{ ;~rfns ;ldlt
cfjZos gLlt :jLs[t ug]{
#= e'QmfgL ;+:yfnfO{ cg'dltkq k|bfg ug]{ ;DaGwL gLlt :jLs[t ;~rfns ;ldlt
ug]{
$= cf]e/;fO6 ljlgodfjnLsf] :jLs[t ug]{ ;~rfns ;ldlt
%= e'QmfgL k|0ffnL ;DaGwL cfjZos sfo{ljlw, Dofg'cn :jLs[t ueg{/
ug]{
^= e'QmfgL tyf km5\of}{6 ;]jf ;~rfng ug]{ ;+:yfx¿nfO{ ueg{/
cfzokq jf cg'dltkq k|bfg ug]{
&= cg'dltkq k|fKt ;+:yfx¿nfO{ Ps cfk;df ufEg÷Uffleg jf ueg{/
k|flKt -PlSjlhzg_ ug{ clGtd :jLs[lt k|bfg ug]{
*= e'QmfgL tyf km5\of}{6 ;]jf ;~rfng ug]{ ;+:yfx¿nfO{ ueg{/
lgb]{zgx¿ hf/L ug]{
(= e'QmfgL tyf km5\of}{6 ;]jf ;~rfng ug]{ ;+:yfx¿sf] :ynut ueg{/
lg/LIf0f k|ltj]bg :jLs[t ug]{
!)= e'QmfgL k|0ffnL ;DaGwdf eP u/]sf sfd sf/afxLsf] lgoldt ueg{/
cg'udg, lgu/fgL -cf]e/;fO6_ tyf lg/LIf0fsf] aflif{s
cf]e/;fO6 k|ltj]bg :jLs[t ug]{
!!= ;+:yfn] cfˆgf] bfloTj k"0f{ ?kdf e'QmfgL ug{ ;Ifd 5 eGg] ueg{/
s'/fdf a}+s ljZj:t ePdf zt{;lxt :j]lR5s vf/]hLsf] nflu
;}4flGts ;xdlt k|bfg ug]{
!@= ;+:yfnfO{ k|bfg ul/Psf] cg'dltkq÷cfzokq vf/]h ug]{ ueg{/
!#= /fli6«o e'QmfgL af]8{ jf ;ldltn] ;fj{hlgs ug{ cfjZos ueg{/
;Dem]sf ljifoj:t' ;fj{hlgs ug{ :jLs[lt k|bfg ug]{
!$= cg'dltkq k|fKt ;+:yfx¿nfO{ Ps cfk;df ufEg÷Uffleg jf 8]k'6L ueg{/
k|flKt -PlSjlhzg_ ug{ ;}4flGts ;xdlt k|bfg ug]{
!%= e'QmfgL k|0ffnL ;DaGwdf eP u/]sf sfd sf/afxLsf] 8]k'6L ueg{/
cfsl:ds jf ljz]if lg/LIf0f / cg'udg lg/LIf0f k|ltj]bg
:jLs[t ug]{
!^= e'QmfgL tyf km5\of}{6 k|0ffnL ;DaGwL ljifodf ;j{;fwf/0fsf] 8]k'6L ueg{/
hfgsf/Lsf nflu ;"rgf k|sfzgsf] :jLs[lt
!&= e'QmfgL ;+:yfnfO{ gofF pks/0f yk ug{ jf x6fpg :jLs[lt 8]k'6L ueg{/

28
 lbg]
!*= zfvf/lxt a}+lsË ;]jf ;~rfng ug]{÷aGb uGb ug{ :jLs[lt 8]k'6L ueg{/
lbg]
!(= cg'dltkq k|fKt ;+yfn] tf]s]sf] cjlwleq ;]jf ;~rfng ug{ 8]k'6L ueg{/
g;s]df yk ;do k|bfg ug{]
@)= jfn]6df /x]sf] df}Hbft /sddf Jofh k|bfg ug]{ :jLs[lt 8]k'6L ueg{/
@!= jflif{s ljQLo ljj/0f k|sfzg ug]{ :jLs[lt M– ueg{/
s_ gub nfef+z tyf af]g; z]o/ ljt/0f ug{ dfu ePsf]
k|:tfj
v_ af]g; z]o/ ljt/0f ug{ dfu ePsf] k|:tfj 8]k'6L ueg{/
u_ gub / af]g; z]o/ b'j} gePsf] k|:tfj ljefuLo k|d'v
@@= e'QmfgL k|0ffnL ;DaGwL sfo{ ug]{ ;+:yfx¿nfO{ hf/L ePsf ljefuLo k|d'v
ljlgodfjnL / lgb]{zgx¿ sfof{Gjogsf] nflu cfjZos
lgb]{zg lbg]
@#= e'QmfgL tyf km5\of}{6 ;]jf ;~rfng ug]{ ;+:yfsf] ;]jf c:yfoL ljefuLo k|d'v
?kdf ;]jf aGb ug]{ :jLs[lt lbg]
@$= e'QmfgL tyf km5\of}{6 ;]jf ;~rfng ug]{ ;+:yfsf] ljB'tLo ljefuLo k|d'v
k|0ffnLdf cfsl:ds ?kdf s'g} ;d:ofsf sf/0f cj/f]w pTkGg
ePdf jf cf]e/;fO{6sf] qmddf tTsfn s'g} sfd sf/jfxL cl3
a9fpg' kg]{ cj:yf ePdf ;f]sf] :jLs[lt lbg]
@%= ;+:yfsf] ef}lts tyf k|fljlws k"jf{wf/sf] ;DaGwdf u/]sf] ljefuLo k|d'v
lg/LIf0f Pj+ hfFra'em ;DaGwL k|ltj]bg :jLs[t ug]{
@^= ;+:yfsf] ;~rfns ;ldlt÷Joj:yfkg;Fu ;+:yf ;~rfng tyf ljefuLo k|d'v
u'gf;f] Aoj:yfkg ;DaGwdf 5nkmn u/L cfjZos lgb]{zg
lbg]
@&= ;+:yfsf] lgodg, lg/LIf0f tyf cf]e/;fO6sf] nflu cfjZos ljefuLo k|d'v
ljj/0f / sfuhft dfu u/L ljZn]if0f ug]{
@*= lg/LIf0f, cf]e/;fO6 jf cfsl:ds lg/LIf0f 6f]nL v6fpg]÷ ljefuLo k|d'v
;'kl/j]Ifs v6fpg]
@(= e'QmfgL tyf km5\of}{6;Fu ;DalGwt ljifodf ljleGg lgsfoaf6 ljefuLo k|d'v
dfu eO{ cfPsf] /fo ;'emfj k|bfg ug]{
#)= POS ;]jf ;~rfng jf aGb ug{ :JfLs[lt k|bfg ug]{ ljefuLo k|d'v

29
 cg';"rL–^
ljlgod #& sf] pkljlgod -#_ ;Fu ;DalGwt

>L g]kfn /fi6« a}+s,

s]Gb|Lo sfof{no,
e'QmfgL k|0ffnL ljefu,
afn'jf6f/, sf7df8f}F .

laifo M ufEg÷ufleg ;}4flGts ;xdlt kfpmF .

k|rlnt sDkgL P]g adf]lhd ================ lnld6]8 sDkgLsf] ?kdf g]kfn ;/sf/, sDkgL
/lhi6«f/sf] sfof{nodf btf{ eO{ e'QmfgL tyf km:of}{6 P]g adf]lhd
ldlt==================================b]lv e'QmfgL k|0ffnL ;~rfns÷e'QmfgL ;]jf k|bfossf] sfo{
;~rfng ub}{ cfPsf] ===================================================== ;+:yf, ldlt ======= ============ b]lv
;f]xL k|s[ltsf]] sf/f]af/ ;~rfng ub}{ cfPsf] ============================================= ;+:yfaLr
ufEg÷ufleg ;xdlt ePsf]n] ;}4flGts ;xdlt kfpg To; a}+ssf] k"j{ :jLs[ltsf] nflu
tf]lsPsf cfjZos sfuhft;lxt of] lgj]bg k]z u/]sf 5f}F .
cfjZos sfuhft======== yfg ;+nUg 5g\ .

ejbLo, ejbLo,

============================= =============================
-ufEg] ;+:yfsf] tkm{af6 -ufleg] ;+:yfsf] tkm{af6
cflwsfl/s JolQm_ cflwsfl/s JolQm_

gfd M gfd M
kb M kb M
;+:yfsf] gfd M ;+:yfsf] gfd M
7]ufgf M 7]ufgf M
6]lnkmf]g g+= M 6]lnkmf]g g+= M
Od]n 7]ufgf M Od]n 7]ufgf M
ldlt M ldlt M
;+:yfsf] 5fk M ;+:yfsf] 5fk M

30
 cg';"rL–&
ljlgod #& sf] pkljlgod -#_ ;Fu ;DalGwt

>L g]kfn /fi6« a}+s,

s]Gb|Lo sfof{no,
e'QmfgL k|0ffnL ljefu,
afn'jf6f/, sf7df8f}F .

laifo M cg'dltkqk|fKt ;+:yf k|flKt -PlSjlhzg_ sf] nflu ;}4flGts ;xdlt kfpmF .

k|rlnt sDkgL P]g adf]lhd ================ lnld6]8 sDkgLsf] ?kdf g]kfn ;/sf/, sDkgL
/lhi6«f/sf] sfof{nodf btf{ eO{ e'QmfgL tyf km:of}{6 P]g adf]lhd ldlt ============== b]lv e'QmfgL
k|0ffnL ;~rfns÷e'QmfgL ;]jf k|bfossf] sfo{ ;~rfng ub}{ cfPsf]
========================================================= ;+:yf, ldlt ================= b]lv ;f]xL k|sl[ tsf]]
sf/f]jf/ ;~rfng ub}{ cfPsf] ========================================= ;+:yfnfO{ k|flKt -PlSjlhzg_ ug]{
;xdlt ePsf]n] ;}4flGts ;xdlt kfpg To; a}+ssf] k"j{ :jLs[ltsf] nflu tf]lsPsf cfjZos
sfuhft;lxt of] lgj]bg k]z u/]sf 5f}F .
cfjZos sfuhft======== yfg ;+nUg 5g\ .

ejbLo, ejbLo,

============================= =============================
-k|flKt ug]{ ;+:yfsf] tkm{af6 -nlIft ;+:yfsf] tkm{af6
cflwsfl/s JolQm_ cflwsfl/s JolQm_

gfd M gfd M
kb M kb M
;+:yfsf] gfd M ;+:yfsf] gfd M
7]ufgf M 7]ufgf M
6]lnkmf]g g+= M 6]lnkmf]g g+= M
Od]n 7]ufgf M Od]n 7]ufgf M
ldlt M ldlt M
;+:yfsf] 5fk M ;+:yfsf] 5fk M

31