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;fwf/0f;ef ;DaGwL ;fdfGo hfgsf/L=========================================================================== #

k|f]S;L kmf/d========================================================================================================================= $

k|j]z kq================================================================================================================================ $

cWoIf Ho"sf] dGtAo========================================================================================================= ^

sfo{sf/L pk k|d"v Ho"sf] dGtJo\ ================================================================================== *

Joj:yfkg ;ldlt============================================================================================================== !)

;+rfns ;ldltsf] k|ltj]bg=============================================================================================== !!

cfw/e "t z]o/wgLx?sf] ;"rL============================================================================================ !^

n]vfkl/Ifssf] k|ltj]bg===================================================================================================== @!

2

;fwf/0f ;ef ;DaGwL ;"rgfHof]lt nfOkm OG:of]/]G; sDkgL lnld6]8

/lhi68{ sfof{noM kf]v/f–(, sf:sLskf]{/]6 sfof{no 1fg]Zj/, sf7df08f}+, Email: info@jyotlife.com

Kf|yd aflif{s ;fwf/0f ;ef ;DaGwL ;"rgf

>L z]o/wgL dxfg'efjx?, o; Hof]lt nfOkm OG:of]/]G; sDkgL lnld6]8sf] ldlt @)&$÷)(÷!! ut] a;]sf] ;+rfns ;ldltsf] !^ cf}+ a}7ssf] lg0f{ofg';f/ sDkgLsf] Kf|yd aflif{s ;fwf/0f ;ef lgDg ldlt, :yfg / ;dodf lgDg lnlvt ljifox? pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf sDkgL P]g sf] bkmf ^&-@_ cg';f/ ;Dk"0f{ z]o/wgL dxfg'efjx?sf] hfgsf/L tyf pkl:yltsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 .

!_ ;ef x'g] ldlt, :yfg / ;do M

ldlt M @)&$÷!)÷!) -tbg';f/ @$ hgj/L @)!*_

:yfg M /lhi68{ sfof{no sf:sL–(,kf]v/f

;do M laxfg !!M)) ah]

@_ 5nkmnsf ljifox? M s_ ;fwf/0f k|:tfjx?

!_ cWoIf Ho" sf] dGtJo tyf ;+rfns ;ldltsf] k|ltj]bg pk/ 5nkmn u/L kf/Lt ug]{ .@_ cf=a= )&#.)&$ sf] n]vf kl/If0f k|ltj]bg, gfkmf gf]S;fg lx;fa tyf gub k|jfx / tt\

;DjlGwt cg";'lrdfly 5nkmn u/L kfl/t ug]{ ;DaGwdf .#_ cf=a= )&#.)&$ sf] nfuL lgodg lgsfosf] :jLs[lt lnO{ ;+rfns ;ldltn] lgo'Qm

u/]sf] n]vf kl/Ifs tyf lghsf] kfl/>lds cg'df]bg ug]{ tyf cf= a=)&$.)&% sf] nfuL n]vfkl/Ifs lgo'QmL tyf lghsf] kfl/>ldssf] lgwf{/0f ug]{ ;DaGwdf . -jt{dfg n]vfk/LIfs ;'efif P08 s+= >L ;'efif em'gem'gjfnf k'gM lgo'QmLsf] nflu of]Uo x'g'x'G5 ._

$_ ;F:yfks z]o/wgLx? dWo]af6 rf/ hgf ;+rfnsx?sf] rog ug]{ ;DaGwdf .

v_ ljz]if k|:tfjx? !_ lwtf]kq P]g tyf lgodfjnL cg';f/ lwtf]kq jf]8{df btf{ u/L sDkgLsf] z]o/ k|f/lDes

;fj{hlgs lgisfzg, -IPO+_ hf/L ug]{ ;DjGwdf .@_ ljif]z k|:tfj g+ ! sf] ;DjGwdf lgofds lgsfox?n] sDkgLsf] k|jGw kq tyf

lgodfjnLdf s'g} km]/ abn ug{ lgb]{zg lbPdf ;f] km]/abn ug{] clVtof/L ;`rfns ;ldltnfO{ lbg] ;DjGwdf .

#_ ;+rfns ;ldltsf] lg0f{o cg';f/ cf=a=)&#.)&$ ;+rfns ;ldltsf ;b:ox?nfO{ k|bfg u/LPsf] j}7s eQf cg'df]bg ug]{ tyf cf=a=)&$÷)&% sf] nflu ;+rfns ;ldltsf tyf ljleGg pk ;ldltsf ;b:ox?nfO{ j}7s eQf tyf cGo ;'ljwfx? lgwf{/0f ug]{ ;DaGwdf .

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3

;fwf/0f;ef ;DaGwL ;fdfGo hfgsf/LHof]lt nfO{km OG:of]/]G; sDkgL lnld6]8sf]

k|yd jflif{s ;fwf/0f;ef ;DaGwL ;fdfGo hfgsf/L

!_ sDkgL /lhi6«f/sf] sfof{nodf clen]v /x]sf] z]o/ nutsf] cfwf/df z]o/wgLsf] /]s8{ sfod

ul/g] 5 .

@_ ;ef x'g] lbg ;efdf pkl:yltsf nflu xflh/ k'l:tsf ljxfg !)M)) ah] b]lv ;ef ;~rfng ;do

;Ddsf] nflu v'Nnf /xg] 5 .

#_ z]o/wgL dxfg'efjx?nfO{ z]o/wgLsf] btf{ lstfadf sfod /x]sf] 7]ufgfdf jflif{s k|ltj]bg k'l:tsf

k7fOg] 5 . s'g} sf/0fj; pQm k'l:tsf gkfpg' ePdf sDkgLsf] skf]{/]6 sfof{noaf6 k|fKt ug{ ;lsg]

5 .

$_ k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] ;Dk'0f{ z]o/sf] k|ltlglw Pp6} JolQm -ljefhg gx'g]

u/L_ x'g] u/L k|ltlglw–kq -k|f]S;L kmf/fd_ e/L sDkgLsf] skf]{/]6 sfof{nodf ;ef z'? x'g' eGbf

slDtdf $* 306f cuf8L btf{ u/L ;Sg' kg{] 5 .

%_ Ps} z]o/wgLn] Ps eGbf a9L k|ltlglw -k|f]S;L_ lgo'Qm ug{' ePsf] cj:yfdf klxnf] btf{ x'g] k|f]S;L

dfGo x'g]5 . To;kl5 cfpg] k|f]S;L :jtM ab/ jf cdfGo x'g]5 .

^_ ;efdf efu lng k|ltlglw -k|f]S;L_ lgo'Qm ul/;s]kl5 ;DalGwt z]o/wgL :jod ;efdf pkl:yt x'g

cfPdf z]o/ wgLn] ul/lbPsf] k|ltlglw -k|f]S;L_ :jtM jb/ x'g]5 .

&_ s'g} ;+ul7t ;+:yf jf sDkgLn] z]o/ vl/b u/]sf] xsdf sfo{sf/L k|d'vn] b:tvt u/L dgf]lgt

u/]sf] k|ltlglwn] z]o/jfnfsf] x}l;otn] ;efdf efu lng ;Sg' x'g]5 .

*_ 5nkmnsf ljifo÷;"rL dWo] ljljw zLif{s cGtu{t 5nkmn ug{ OR5's z]o/wgLn] ;ef x'g' eGbf &

-;ft_ lbg cufj} 5nkmnsf] ljifo sDkgL ;lrj dfkm{t ;+rfns ;ldltsf] cWoIfnfO{ lnlvt ?kdf

lbg'kg{]5 .

(_ yk hfgsf/Lsf] nflu sDkgLsf] skf]{/]6 sfof{no 1fg]Zj/df ;Dk{s /fVg' x'g cg'/f]w ub{5f}+ .

;+rfns ;ldltsf] cf1fn] sDkgL ;lrj

4

k|f]S;L kmf/dHof]lt nfOkm OG:of]/]G; sDkgL lnld6]8

/lhi68{ sfof{no kf]v/f–( sf:sL

k|f]S;L kmf/d >L ;+rfns ;ldlt, Hof]lt nfOkm OG:of]/]G; sDkgL lnld6]8 laifo M k|ltlglw lgo'Qm u/]sf] af/] dxfzo,

=========================lhNnf======================== g=kf=÷uf=lj=;=j8f g+= ====== a:g] d÷xfdL ======================= n] To; sDkgLsf] z]o/wgLsf]

x}l;otn] ldlt ================================ ut] a'waf/ sf lbg x'g] aflif{s ;fwf/0f ;efdf d÷xfdL :jo+ pkl:yt eO{ 5nkmn tyf

lg0f{odf ;xefuL x'g g;Sg] ePsf]n] pQm ;efdf d]/f]÷xfd|f] tkm{af6 efu lng tyf dtbfg ug{sf nflu ============================

lhNnf ============================== g=kf=÷uf=lj=;= j8f g+ ===== a:g] >L ================================================= nfO{ d]/f] / xfd|f] k|ltlglw dgf]lgt

ul/ k7fPsf] 5'÷5f}+ .

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lgj]bs M

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z]o/wgL g+ tyf z]o/ ;+VofM

ldlt gfd M

b:tvt x:tfIf/ gd'gf M

b|i6AoM of] lgj]bg ;ef x'g' eGbf sDtLdf $* 306f cufj} sDkgLsf] /lhi68{ sfof{nodf k]z ul/;Sg' kg]{5.

Hof]lt nfO{km OG:of]/]; sDkgL lnld6]8kf]v/f, g]kfn

k|j]z kq!_ z]o/wgLsf] gfd M

@_ 7]ufgf M

#_ z]o/wgL kl/ro÷lxtu|fxL vftf g+= M

$_ z]o/ k|df0fkq g+= M

%_ lnPsf] z]o/ ;+Vof M

>L Hof]lt nfO{km OG:of]]/]G; sDkgL ln= sf] ldlt @)&$÷ ÷====== df x'g] k|yd aflif{s ;fwf/0f ;efdf pkl:ylt x'g hf/L

ul/Psf] k|j]z kq .

b|:6Ao M;efsIfdf k|j]z ug{ of] k|j]z kq clgjfo{ ?kdf lnO{ cfpg x'g cg'/f]w 5 .

cGoyf ;efsIfdf k|j]z ug{ kfO{g] 5}g .

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cWoIfsf] Ho"sf] dGtAoo; ;efdf xfd|f] lgdGq0ffnfO{ :jLsf/ u/L pkl:yt x'g' ePsf cfb/l0fo ;F:yfks z]o/wgL dxfg'efjx?, o; ;efsf] u/Ldf a9fpg xfd|f] lgdGq0f :jLsf/ u/L kfNg' ePsf ljleGg lgodgsf/L lgsfosf k|ltlglw Ho"x?, sDkgLsf] af≈\o n]vfkl/Ifs Ho" tyf ;d:t Hof]ltnfO{km kl/jf/ nufot ;j} dlxnf tyf ;Hhgj[Gbx?,;j{k|yd oxfFx?n] cfˆgf] cToGt sfo{Jo:ttfsf] jfjh'b xfd|f] lgdGq0f :jLsf/u/L oxfF kfNg' ePsf]df sDkgLsf] ;+rfns ;ldlt, ;d:t Hof]ltnfO{km kl/jf/ / d]/f] AolQmut tkm{af6 ;d]t oxfFx?nfO{ o; Hof]ltnfO{km sDkgLsf] k|yd jflif{s ;fwf/0f ;efdf x[b{o b]lv g} :jut ub{5' .

xhf/ dfOnsf] ofqf Ps sbdaf6 z'? x'G5 eg] em}+ xfdLn] klg hLjg aLdf If]qdf of] sDkgLsf] :yfkgf u/L klxn]f sbd /fv]sf 5f}+ . sDkgLn] ldlt @)&$.)%.!( ut] >L aLdf ;ldltaf6 sf/f]af/sf] cg'dlt kfO{ sf/f]af/ z'? u/L ;s]sf] Aoxf]/f z]o/ wlg dxfg'efjx?nfO{ hfgsf/L u/fpg kfpFbf dnfO{ v'zL nfu]sf] 5 .oålk aLdf sDkgLx?sf] ;+Vof lbg k|ltlbg al9/x]sf] 5 . tf klg hgdfg;df o; If]qaf/] hgr]tgfsf] cefj /x]sf] cem} klg k|i6} b]lvG5 . o:tf] kl/k|]5\odf ;w}+ tkfFO{sf] ;fy eGg] gf/fsf ;fy :yfkgf ePsf] o; sDkgLn] hgdfg;df hLjg aLdf ;DalGw hgr]tgf clej[lå ub}{ ;a} If]q tyf ju{sf JolQmx?nfO{ aLdf;'/Iff sf] bfo/fdf NofO{ ;j}sf] lhjg tyf 3/ cfFugdf v'zLsf] Hof]lt 5g]{ kl/sNkgfnfO{ ;fsf/ kfb}{ sDkgLsf] Aokf/ Joj;fo ;d]t j[lå ug]{ pb]Zon] g]kfnsf] ljleGg :yfgx?df zfvf ;~hfn lj:tf/sf] sfo{nfO{ ltj|tf lbO{Psf] 5 .

o;} qmddf la/u~h, kf]v/f, g]kfnu~h, a'6jn, la/f6gu/ / 1fg]Zj/ ;d]t ^ j6f :yfgdf If]lqo sfof{no vf]Ng] cg'dlt kfPsf] df ;f] dWo] xfn la/f6gu/, kf]v/f, g]kfnu~h,la/6gu/ / 1fg]Zj/ ;d]t % j6f ;+rfngdf cfPsf 5g\ eg] afFsL ;~rfngdf cfpg] k|lqmofdf /x]]sf 5g\ . To;} u/L g]kfnsf] ljleGg :yfgx?df xfn zfvf tyf pkzfvfx? ;d]t u/L hDdf $% j6f ;]jf s]Gb|x? ;+rfngdf cfPsf] 5g\ eg] afFsL ;~rfngdf cfpg] k|lqmofdf /x]]sf 5g\ .

aLdf ahf/sf cfjZostf cg'?ksf aLdf ;]jfx? pknAw u/fO{ aLdf ahf/df cfkm\gf] bl/nf] pkl:ytL

7

u/fpg] nIo lnO{ ;+rfng/t of] aLdf sDkgL r':t ;+:yfut ;'zf;g tyf kf/blz{tf k|lt k|ltj4 /x]sf] Aoxf]/f hfgsf/L u/fpFb5' . sDkgLsf] cfGtl/s sfd sf/jfxLx?sf] k|efjsf/Ltf dfkm{t sDkgLsf] k|lti7f pRr agfO{ /fVg ;+rfns ;ldlt, ;+rfns ;ldlt cGtu{tsf pk–;ldltx? ;d]t bQlrQ /x]sf] Aoxf]/f ;d]t z]o/wgL dxfg'efjx? ;dIf lgj]bg ug{ rfxG5' .

s'g} klg ;+u7gdf dfgj ;+;fwg g} To:tf] ;lhj ;fwg xf] h;n] cGo lglh{j ef}lts ;fwgx?nfO{ pkof]uL agfpF5 . t;y{ ;Ifd, ;Lko'Qm, pTk|]l/t tyf ;+u7gfTds pb]Zok|lt k|ltjå dfgj ;+;fwgx? g} Joj;foLs ;kmntfsf k|d"v cfwf/ x'g eGg] tYonfO{ cfTd;fy u/L k|lt:k|wf{Tds, lgikIf tyf kf/bzL{k'0f{ t/Lsfn] ;DaGwLt If]qdf bIf sd{rf/L 5gf}6 u/L jxFfx?sf] ;Lk / bIftfsf] cem clej[lå ug]{ pb]Zon] ljleGg tflndx?df ;xefuL u/fpFb} cfPsf 5f} .

cGTodf, sDkgLsf] ;+rfngdf xfdLnfO{ k|fKt eO{/x]sf] lg/Gt/ ;xof]u / ;fysf nfuL d >L aLdf ;ldlt, >L sDkgL /lhi6«f/sf] sfof{no, tyf cGo ;/f]sf/jfnf lgsfox? k|lt x[bo b]lv g} xflb{s s[t1tf 1fkg ug{ rfxG5' . ;fy} ;+:yfsf] p4]Zo tyf nIo xfl;n ug]{ cleofgdf cys of]ubfg ug'{ x'g] st{Aolgi7 sd{rf/Lx?, ;+:yf k|lt b[9 laZjf; /fvL ;xof]u ug]{ clestf{x?, dfu{lgb]{z u/L ;xof]u k'¥ofpg] z]o/wgL dxfg'efjx?, ;+:yfnfO{ laZjf; ug]{ ;Dk"0f{ aLldt w/f]x/x?sf ;fy} ;+:yfsf] k|ultsf nfuL k|ToIf tyf ck|ToIf ?kdf ;xof]u k'¥ofpg] ;Dk"0f{ z'e]R5'sx? k|lt xflb{s wGojfb 1fkg ug{ rfxG5' .

wGojfb Û kz 'klt d '/f/sf cWoIf

8

o; ;efsf ;efklt Ho"x?", ;+rfns ;ldltsf ;b:o Ho"x?, xfd|f] lgdGq0ff :jLsf/ u/L ;efdf pkl:yt x'g'ePsf ;F:yfks z]o/wgL dxfg'efjx? Tfyf ljleGg lgofds lgsfosf kbflwsf/Lx?nfO{ xflb{s clejfbg tyf :jfut ub{5' .

g]kfnsf] ladf ahf/df gofF v]nf8Lsf] ?kdf plqPsf] o; sDkgLn] ldlt @)&$.)%.!( ut] b]lv ladf ;ldltaf6 sf/f]af/ :jLs[lt kfO{ cfˆgf] Joj;flos sf/f]af/ z'? u/]sf] 5f]6f] cjlwdf g} ljleGg ladfn]vx? hf/L u/L s/La ? %) s/f]8 ladf ° /sd a/fa/sf] aLdf ;'/Iff wf/0fu/L laldtx?sf] ljZjf; lhTg ;kmn ePsf] 5 . o;af6 xfdLnfO{ yk xf};nf ldn]sf] 5 .

dflg;sf] efjgf;Fu k|ToIf ?kdf hf]l8Psf] hLjg aLdf ;DaGwL hgr]tgfsf] sdLn] ubf{ o; Joj;fonfO{ d[To'kl5 k|fKt x'g] ;'ljwfsf] ?kdf dfq x]l/g] tyf aLdfsf] bflj e'QmgL k|s[of h6Ln x'G5 eGg] h:tf unt e|d hgdfg;df JofKt /x]sf] b]lvPsf]n] hLjg aLdf ;DjGwL hgdfg;df JofKt log} e|dx?nfO{ lrb}{ hLjg aLdfn] aLldtsf] lhjgsfndf ;kl/jf/nfO,{ tyf d[To' ko{Gt cfl>tx?nfO{ ;d]t cfly{s ;'/Iff k|bfg u/L b'Mvdf ;fy lbG5 eGg] r]tgf clej[lå ub}{ g]kfnsf] uf|ld0f If]q, Go"g cfoju{ tyf ;dfhsf ;a} tx;Dd aLdf ;]jfsf] kx'Fr k'–ofO{ ;a}nfO{ aLdfsf] bfo/fdf Nofpg] c7f]6sf ;fy sDkgLsf] zfvf ;~hfn lj:tf/ ug]{ sfo{nfO{ ltj|tf lbPsf 5f}+ . o;} qmddf xfn ;Dd $% j6f zfvf ;~hfn lj:tf/ e} ;s]sf 5g\ eg] !) j6f zfvfx? ;~rfngdf cfpg] qmddf /x]sf 5g\.

hLjg aLdf eGbf ;fy hLjgsf] hf]lvd jxg ug] { / b'3{gfsf] sf/0faf6 ePsf] zfl/l/s czSQmtfsf hf]lvd jxg ug]{ ;ffwg dfq xf] eGg] k/Dk/fut ;f]raf6 cufl8 a9L xfdLn] eljiodf nfUg ;Sg] ljleGg !! k|sf/sf /f]ux?sf] hf]lvd jxg ug}{ u/L gofF aLdfn]v ;d]t hf/L u/L ;s]sf 5f}+ . o;y{ aLldtnfO{ o:tf 3fts /f]u nfu]df cfly{s ;xof]u ub}{ efjgTds tyf dfgl;s ?kdf klg xfdL aLldtsf] ;fydf /xg] 5f}+ . sDkgLsf], ;w}+ tkfO{+sf] ;fy eGg] gf/fsf] d'n pb]Zo klg oxL g} xf] . o;y{ cfufld lbgx?df ;d]t >L ;+rfns ;ldltsf] dfu{ lgb{]zleq /lx ahf/ ljin]z0f ub}{ hg cfjZostf cg'?ksf] aLdfn]vx?

sfo{sf/L pk k|d"v Ho"sf] dGtAo

9

Hff/L ug]{ k|ltjåtf hfx]/ ub{5f}+ .

cGTodf, sDkgLsf] ;~rfngdf cleefjssf] e'ldsf lgjf{xu/L lbzflgb]{z ug]{ ;+rfns ;ldlt, ljleGg lgofds lgsfox?, st{Aolgi7 eO{ cfkm\gf] bfloTj lgjf{xf ug]{ sd{rf/Lx?, sDkgLsf] Joj;fodf d]?b08sf] ?kdf /x]sf clestf{x? tyf sDkgLsf] aLdfn]v lnO{ xfdLk|lt ljZjf; ug'{ ePsf ;Dk"0f{ aLldtx? k|lt xflb{s wGojfb tyf cfef/ JoQm ub{5' .

wGojfb Û k|sfz ljj|md vqL sfo{sf/L pk k|d"v

10

Joj:yfkg ;ldlt

Rajiv GurbacharyaHead- Underwriting & Operations

Saurav ShresthaHead-Information Technology

Shanandan PokhrelHead - Bancassurance &

Corporate Branch

Ravi SarrafManager Finance

Ram Prasad ThapaliyaCompany Secretary

Umesh Prasad MainaliHead - Channel Expansion

Prakash Bikram KhatriDeputy CEO

Pharshu Ram MarasaniHead - Agency Sales

Regional Managers

Madan Gautam - Biratnagar

Charan DasTimilsina - Butwal

Santosh Gautam - Pokhara

Deshram Chaudhary - Dhangadi

11

Hof]ltnfOkm OG:of]/]G; sDkgL lnld6]8sf]

;+rfns ;ldltsf] k|ltj]bg

-sDkgL P]g, @)^# bkmf !)(-$_ adf]lhdsf] ljj/0f_

s_ ljut aif{sf] sf/f]af/sf] l;+xfjnf]sg M

sDkgLsf] of] k|yd cfly{s jif{ ePsf] hfgsf/L u/fpFb5' .

v_ /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/nfO{ s'g} c;/ k/]sf] eP ;f] c;/ M

s'g} klg Aoj;fo, sf/f]jf/nfO{ Aojl:yt / k|efjsf/L agfpgsf nfuL plrt jftfj/0fsf] cfjZostf

x'G5 . aLdf Aoj;fosf] nfuL klg of] ckjfb x'g ;Sb}g t/ xfn k|rngdf /x]sf gLlt, lgod tyf sfg'gL

Aoj:yfx? hLjg aLdf Aoj;fosf] sf/f]jf/nfO{ Aojl:yt agfpgsf nfuL k|efjsf/L x'g ;ls/x]sf]

b]lvb}g . g]kfnsf] s'n hg;FVofsf] s/Lj * k|ltzt dfq aLd sf] bfo/fdf cfPsf] kl/k|]Ifdf aLdf

sDkgLn] ug]{ nufgLsf If]qx?sf] bfo/f a9fpg ;s]df aLdf Aoj;fosf] ck]Iffs[t lasf; x'g]

cj:yf b]lvG5 . d'n'sdf laBdfg /fhg}lts cl:y/tfsf] sf/0f aLdf sf/f]jf/df k|efj b]lvPsf]

kfOG5 . ;du| cy{tGq ;jlns/0fsf nfuL k|ofKt k"jf{wf/x?sf] plrt Aoj:yf gx'Fbf sDkgLn]

ug]{ hLjg aLdf Aoj;fodf c;/ kg{ uPsf] cj:yf 5 . tyfkL xfn laBdfg c;xh cj:yfx?sf

afah'b sDkgLn] of]hgfa4 ?kdf aLdf Aoj;fo k|aw{g ug{sf nfuL lg/Gt/ sfo{ ul//x]sf] /x]sf]

hfgsf/L u/fpF5' .

-u_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn' aif{sf] pknAwL / eljiodf ug'{kg]{ s'/fsf] ;DjGwdf ;+rfns

;ldltsf] wf/0ff M

sDkgLn] rfn' cfly{s jif{sf] k|yd q}dfl;s ;Dddf ? # s/f]8 *^ nfv d'gfkm cflh{t ug{ ;kmn ePsf] 5 ;fy} of] k|ltj]bg tof/ x'Fbfsf] ldlt ;Dddf lgDglnlvt sf/f]af/ u/]sf] hfgsf/L u/fpFb

5' .

jLdfn]v ;+Vof M ^)*

jLdf z'Ns M ?= @),*&@,^&^÷—

s'n bfjL e'QmfgL M 5}g .

hLjg jLdf clestf{x?sf] ;+Vof M ^@#

sDkgLsf] Joj;fo j[låsf nflu clestf{x¿sf] e"ldsf dxTjk"0f{ x'g] x'Fbf Jofj;flos clestf{x¿sf]

pTkfbg ug]{ h;sf nflu cg'ejL clestf{x¿af6 sDkgLsf];]jfsf ;DaGwdf ;do ;dodf lg/Gt/

¿kdf tflnd, e]nf, uf]i7L, ;]ldgf/ h:tf sfo{qmdx¿ u/L sDkgLn] hLjg aLdf ;DaGwdf k|of]udf

NofPsf aLdfn]v tyf aLdf of]hgfx¿sf ;DaGwdf :ki6 hfgsf/L lbO{ cfw'lgs :t/sf] k|ljlwo'Qm

;+rfns ;ldltsf] k|ltj]bg

12

Jofj;flos aLdf ;]jf pknAw u/fpg] tkm{ sDkgL cu|;/ /x]sf] 5 .

hLjg jLdf of]hgfx? M xfn sDkgLsf] lgDglnlvt hLjg aLdf of]hgfx? /x]sf 5g .

!_ Hof]lt ;'/lIft jrt hLjg aLdf

@_ Hof]lt DofbL hLjg aLdf

#_ Hof]lt wgnfe hLjg aLdf

$_ Hof]lt ;'gf}nf] eljio afn hLjg aLdf

%_ Hof]lt ;'/lIft eljio hLjg aLdf

^_ Hof]lt Psn tyf l;ldt cjlw ;fjlws hLjg aLdf

sDkgL :yfkgf ePb]lv xfn ;Ddsf] k|fKt pknAwLnfO{ ;ldIff ubf{ sDkgL lg/Gt/ k|ultkydf

/x]sf] 5 . sDkgLn] ev{/} Aoj;fo z'? u/]tf klg sDkgLn] clVtof/ u/]sf] /0fgLlts of]hgfx?sf]

sf/0f plrt k|ltkmn cfO{/x]sf] 5 . sDkgLn] rfn' cfly{s jif{df s/La ? #% s/f]8 lk|ldod ;+sng

ug]{ nIo /fv]sf] 5 . t;y{ cfufdL lbgdf Aoj;flos /0fgLlts of]hgfx?sf] k|efjsf/L sfof{Gjog

u/L nIo cg'?ksf] Aoj;flos pknAwL xfl;n ug{ s]lGb|t x'g] hfgsf/L u/fpF5f}+ . sDkgLsf] hLjg

aLdf Joj;fosf] lasf;df k|ToIf e'ldsfdf /x]sf clestf{x?sf] ;+Vof j[l4 ug{ / plgx?sf] bIftf

clea[l4 u/L Aoj;fo k|aw{gdf ;lqmo agfO{g]5 . b]zJofkL ?kdf clestf{ tflnd ;+rfng ug]{,

k'gtf{huLs/0f sfo{qmdx? ;+rfng ug]{, clestf{x?sf] lqmoflzntfsf nfuL ahf/ laefu ;Da4

zfvf tyf sd{rf/Lx?nfO{ kl/rfng ug]{ sfo{nfO{ k|efjsf/L agfO{g]5 . cfufdL lbgdf aLdf ahf/sf]

cWoog ul/ ;+efJotfsf] cfwf/df cfjZostf cg';f/ pko'Qm tyf k|efjsf/L hLjg jLdf of]hgfx?

NofO{g]5 . al9 eGbf al9 dflg;x?nfO{ sDkgLsf] aLdf of]hgfdf cfj4 ug{sf nfuL hgr]tgfd'ns

sfo{qmdx? Kf|efjsf/L ?kdf ;+rfng ul/g]5 .

-3_ sDkgLsf] cf}Bf]lus jf Joj;flos ;DaGw M

sDkgLn] cfˆgf] Aoj;fonfO{ la:tf/ Pj+ k|aw{g ug{sf nfuL cf}Bf]lus tyf Aofkfl/s If]q ;+usf]

;DaGwnfO{ k|efjsf/L agfpg] gLlt clVtof/ u/]sf] 5 . cf}Bf]lus If]q ljlQo ;jntf ePsf]

If]q ePsfn] Aoj;fo lasf;df pNn]Vo of]ubfg ug{ ;Sg] 7fg]/ sDkgLn] ;DaGw la:tf/

; F u} ;xsfo{sf] of]hgf ;d]t cuf8L ;fl//x]sf] 5 . sDkgLn] Aoj;flos sfo{ If]q lj:tf/ ug{

cf}Bf]lus k|lti7fgx?, a}+s, laQLo ;+:yf, ;xsf/L ;+:yfx?, ;+ul7t ;+:yfx?, ;/sf/L Pj+ u}/;/

sf/L ;+:yfx? ;+usf] ;DaGw ;'b[9 ub}{ nlu/x]sf] 5 . cf}Bf]lus Pj+ ljlQo If]qdf x'g] kx'Frn]

sDkgLsf] Aoj;fo k|aw{gdf pNn]Vo of]ubfg k'Ug] 7fg]/ ;'dw'/ ;DaGw la:tf/ ug{ of]hgfa4

?kdf cufl8 a9\b} uO{/x]sf 5f}+ .

13

-ª_ ;+rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] sf/0f M

o; sDkgLsf] k|yd ;+rfnsx? >L /d]z rf]vfgL Ho" / >L ;'/h clwsf/L Ho" ;d]tn] ;+rfns kbaf6

/fhLgfdf lbg'ePsf]n] lghx?sf] /flhgfdf ;+rfns ;ldltsf] ldlt @)&$.)@.!$ ut]sf] a}7saf6

:jLs[t u/L l/Qmkbdf >L gGb lszf]/ zdf{ Ho" / >L cfsfz uf]N5f Ho" lgo'Qm x'g'ePsf] / ldlt

@)&$.#.@) ut] a;]sf] ;+rfns ;ldltsf] j}7saf6 ;+rfns >L jf]w k|;fb lqkf7L Ho" n] lbg'

ePsf] /fhLgfdf :jLs[t u/L pQm l/Qm kbdf Call Mobility sf] tkm{af6 >L kz'klt d'/f/sf Ho" lgo'Qm x'g'ePsf] .

-r_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx? M

b]zdf /fhgLlts cl:y/tf sfod /lx/xg', cfly{s lasf;sf nfuL of]hgfa4 ?kdf sfo{ x'g g;Sg',

cf}Bf]lus ljsf; ck]Iff ul/P cg';f/ x'g g;Sg', nufgLsf] bfo/f l;ldt x'g', Joj;fo k|aw{gsf

nflu cfjZos kg]{ lb3{sflng k"FhL kl/rfngnfO{ k|f]T;fxg ug]{ gLltsf] cefa x'g', hLjg jLdf k|lt

cfd ?kdf hgr]tgfsf] cefj xg' cfbL sf/0fn] hLjg jLdf sf/f]jf/nfO{ c;/ k'¥ofO{/x]sf 5g\ .

lgodgsf/L lgsfo tyf cGo ;/f]sf/jfnf lgsfox?af6 ;do ;dodf hf/L x'g] tyf kl/jt{g x'g]

lgod tyf lgb]{zgx?af6 sDkgLsf] sf/f]j/df c;/ kg]{ b]lvP klg h'g ;'s} r'gf}ltk"0f{ kl/l:ytLnfO{

cfTd;fy u/L sDkgLn] pko'Qm /0flglt agfO{ Aoj;fo la:tf/ tyf k|aw{gdf lg/Gt/ ;lqmo eO{/x]sf] 5 .

-5_ n]vfkl/If0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;+rfns ;ldltsf] k|ltlqmof M

n]vfkl/If0f k|ltj]bgdf s'g} s}lkmot pNn]v gePsf] Joxf]/f hfgsf/L u/fpb5f} .

-h_ nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd M

o; jif{ nfef+z ljt/0f gu/LPsf] .

-em_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] c+lst d"No, To:tf] z]o/ hkmt

x'g'eGbf cufj} ;f] jfkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/

ljqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/jfkt /sd lkmtf{ u/]sf] eP ;f] sf]

ljj/0f M

sDkgLsf] s]lx ;F:yfks z]o/wgLx?n] cfkm'n] sj'n u/] jdf]ljdsf] z]o/ lng O{Gsf/ u/]sf] x'Fbf

hDdf $,^%,))) lsQf z]o/ hkmt u/L cGo OR5's ;F:yfksx?nfO{ ljs|L u/LPsf] .

-`_ ljut cfly{s aif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s aif{sf] cGtdf /x]sf] l:yltsf] k'g/fjnf]sg M

sDkgLsf] s'g} ;xfos sDkgL g/x]sf] .

-6_ sDkgL tyf To;sf] ;xfos sDkgLn] cly{s aif{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 M

sDkgLsf] sf/f]jf/sf] ljlQo ljj/0f o;} ;fy ;+nUg ul/Psf] 5 . o; sDkgLsf] s'g} ;xfos sDkgL g/x]sf] .

14

-7_ ljut cfly{s aif{df sDkgLsf] cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/L M

To:tf] laz]if hfgsf/L k|fKt ePsf] 5}g .

-8_ ljut cfly{s aif{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 M

sDkgLsf] ;+rfnsx? sDkgLsf] z]o/ sf/f]af/df ;+Ung 5}gg . lghx?sf] z]o/ ljj/0f lgDg lnlvt 5 .

-9_ ljut cfly{s aif{df sDkgL;Fu ;DalGwt ;Demf}tfx?df s'g} ;+rfns tyf lghsf] glhssf] gft]bf/sf] AolQmut :jfy{sf] af/] pknAw u/fO{Psf] hfgsf/L Aoxf]/f M

5}g .-0f_ sDkgLn] cfˆgf] z]o/ cfkm}+n] vl/b u/]sf] eP To;/L cfˆgf] z]o/ vl/b ug'{sf] sf/0f, To:tf]

z]o/sf] ;+Vof / c+lst d"No tyf To;/L z]o/ vl/b u/]jfkt sDkgLn] e'QmfgL u/]sf] /sd M 5}g .-t_ cfGtl/s lgoGq0f k|0ffnL ePsf] jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0f M sDkgLn] cfGt/Ls lgoGq0f k|0fflnnfO{ k|fyldstfdf /fvL cfjZos lgb]{lzsfx? tof/ u/L

k|efjsf/L ?kn] nfu" ul/Psf]5 . o;jf6 sDkgLsf] Aoj;fo kf/bzL{ / lgod ;Ddt x'g k'u]sf]5 / sfo{ljlwdf Ps?ktf cfPsf]5 . aLdssf] ;+:yfut ;'zf;g lgb]{lzsf, @)&# Pj+ sDkgL P]g @)^# sf] k|fjwfg cg'?k n]vf k/LIf0f ;ldlt lqmoflzn 5 . ;f] jfx]s sDkgLn] ;km\6j]o/ (Software) sf] dfWod4f/f ;Dk"0f{ sfo{x? ub}{ cfPsf] 5 ;fy} hLjg jLdf Joj;fodf x'g] hf]lvd (Underwriting) tyf nufgL hf]lvd lgoGq0f ug{sf nflu hf]lvd Joj:yfkg tyf ;f]ne]G;L pk–;ldltdf 5nkmn ug]{ ul/Psf] 5 . If]lqo, zfvf tyf pk–zfvfx?sf] JofAoj;flos ultlalw tyf cfly{s sf/f]jf/sf] ljj/0f kf/bzL{ agfpg cfjZos l/kf{]l6ªsf] Joj:yf ul/Psf]n] sDkgLdf cfGtl/s lgoGq0fsf] cj:yf k|efjsf/L /x]sf] 5 .

-y_ ljut cfly{s aif{sf] s'n Joj:yfkg vr{sf] ljj/0f M

5}g .

-b_ ;+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 ;+ul7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f M

g/x]sf] .

;+rfns z]o/ ;+Vof

!_ >L kz'klt d'/f/sf Ho" * @,)),)))

@_ >L gGb lszf]/ zdf{ Ho" $,!%,)))

#_ >L cfsfz uf]N5f Ho" #,^),)))

$_ >Ldlt zld{nf >]i7 dx{hg #%,)))

* k|ltlglw Call Mobility

15

-w_ ;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sd M

;+rfnsx?sf] j}7s eQf jfkt hDdf ? %!,))) cGo ;'ljwf pknAw u/fOPsf] .

-g_ Zf]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sd M

g/x]sf] .

-k_ bkmf !$! adf]lhd ;DklQ vl/b jf lalqm u/]sf] s'/fsf] ljj/0f M

gePsf] .

-km_ bkmf !&% adf]lhd ;Da4 sDkgL aLr ePsf] sf/f]af/sf] ljj/0f M

g/x]sf] .

-a_ o; P]g tyf k|rlnt sfg'g adf]lhd ;+rfns ;ldtsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g} s'/f M

5}g .

* k|ltlglw Call Mobility

16

SN. Particulars Address Shares Amount Percentage (%)

1 Aditi ChokhaniKathmandu Municipality, Baluwatar, Ward No. 4 483,000 48,300,000 3.14%

2 Akash Golchha

Kathmandu Metropolitancity, Ward No. 22 360,000 36,000,000 2.33%

3 Bodh Prasad TripathiChitwan District, Dareychowk, Ward No. 7 750,000 75,000,000 4.87%

4 Call Mobility Pvt. Ltd.Kathmandu Metropolitancity, Putalisadak, Ward No. 31 200,000 20,000,000 1.29%

5 Chandra TandanKathmandu Metropolitancity, Ward No. 14 200,000 20,000,000 1.29%

6 Citi Investment Fund Pvt. Ltd.

Kathmandu Metropolitancity, Kamladi, Ward No. 1 600,000 60,000,000 3.89%

7 Deepak Kumar MundaraMorang District, Biratnagar, Ward No. 9 400,000 40,000,000 2.59%

8 Diwakar GolchhaKathmandu Metropolitancity, Ganbahal, Ward No. 22 300,000 30,000,000 1.94%

9 G. O. AutomobilesKathmandu Metropolitancity, Ganbahal, Ward No. 22 300,000 30,000,000 1.94%

10 Gaurav ShardaMorang District, Biratnagar, Ward No. 2 460,000 46,000,000 2.98%

11 Mahesh Kumar JajuMorang District, Biratnagar, Ward No. 9 180,000 18,000,000 1.16%

12 Nanda Kishor SharmaMorang District, Biratnagar, Ward No. 8 415,000 41,500,000 2.69%

13 NIC Asia BankKathmandu MetropolitanCity, Thapathali, Ward No. 11 1,500,000 150,000,000 9.74%

14 Nitesh AgrawalSunsari District, Dharan, Ward No. 5 2,800,000 280,000,000 18.18%

15 Sanjeev SaraffJanakpur District, Dhanusha, Ward No. 5 400,000 40,000,000 2.59%

16 Satish Kumar MoreParsa District, Birgunj, Ward No. 7 270,000 27,000,000 1.75%

17 Sirish Kumar MurarkaSiraha District, Lahan, Ward No. 7 700,000 70,000,000 4.54%

18 Suresh Kumar RathiMorang District, Biratnagar, Ward No. 12 180,000 18,000,000 1.16%

19 Usha Agrawal

Kathmandu Metropolitancity, Ward No. 22 2,800,000 280,000,000 18.18%

20 Venkatesh MundaraMorang District, Biratnagar, Ward No. 9 400,000 40,000,000 2.59%

21 Vidya Devi AgrawalSunsari District, Dharan, Ward No. 5 200,000 20,000,000 1.29%

Total Paid Up Capital 13,898,000 1,389,800,000 90.13%

cfw/e "t z]o/wgLx?sf] ;"rLHof]ltnfOkm OG:of]/]G; sDkgL lnld6]8sf]

cfw/e "t z]o/wgLx?sf] ;"rL

17

GRAND OPENING

1818

AGREEMENT SIGNING

19

20

EVENTS

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

35

36

37

38

यस वर्ष गत वर्ष यस वर्ष गत वर्ष यस वर्ष गत वर्ष यस वर्ष गत वर्ष यस वर्ष गत वर्ष यस वर्ष गत वर्ष यस वर्ष गत वर्ष यस वर्ष गत वर्ष यस वर्ष गत वर्ष

1 सावधिक जीवन बीमा - - - -

2 अधिम भकु्तानी सावधिक जीवन बीमा - - - -

3 रुपान्तरित सावधिक एवं आजीवन जीवन बीमा - - - -

4 वैदेधिक िोजगाि म्यादी जीवन बीमा - - - -

5 म्यादी जीवन बीमा - - - -

- - - - - - - - - - - - - - - - - - जम्मा

अनुसचूी – ९

आर्थषक वर्षको अन्त्यमा भुक्तानी हुन बााँकी दावी बापत व्यवस्था

सजृना भएको तर जानकारीमा नआएको दावी (अनुमार्नत)

भुक्तानी हुन बााँकी जम्मा

दावी

भुक्तानी हुन बााँकी जम्मा

दावीमा पुनबीमकको

र्हस्सा

भुक्तानी हुन बााँकी दावी

बापत व्यवस्थाक्र.स.ं बीमाको र्कर्सम

भुक्तानी हुन बााँकी मृ्यु दावी

भुक्तानी हुन बााँकी अवर्ि समाप्ती दावी

भुक्तानी हुन बााँकी आरं्िक अवर्ि समाप्ती

दावी

भुक्तानी हुन बााँकी समपषण

मूल्य दावी

भुक्तानी हुन बााँकी अन्तय दावी

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

If]lqo, Zffvf tyf pkzfvf sfof{nox?

:yfg M hLtk'/ -l;df/f_7]ufgf M af/f lh= lhtk'/l;df/f p=d=g=kf= j8f g+= )&(*)!@#*$$(

:yfg M kf]v/f7]ufgf M sf:sL lhNnf kf]v/f p=d=g=kf gofF ahf/ j8f g+= (;Dk{s g+ M (*)!@#*$)&

:yfg M lj/u~h7]ufgf M k;f{ lhNnf lj/u~h p=d=g=kf j8f g+= !);Dk{s g+ M(*)!@#*$)*

:yfg M lj/f6gu/7]ufgf M df]/ ∙ lhNnflj/f6gu/ j8f g+= @;Dk{s g+ M(*)!@#*$!)

:yfg M g]kfnu~h7]ufgf M afFs] lhNnfg]kfnu~h p=d=g=kf j8f g+= @;Dk{s g+ M(*)!@#*$@!

:yfg M 1fg]Zj/7]ufgf M zfGtf Knfhf, 1fg]Zj/, sf7df8f}+ ;Dk{s g+ M)!–$$$%($!

:yfg M a'6jn7]ufgf M ?kGb]xL lhNnf a'6jn pk=d=g=kf= j8f g+= !!;Dk{s g+ M(*)!@#*$!@

:yfg M k'Nrf]s7]ufgf M lhNnf nlntk'/ p=d=g=kf k'Nrf]s j8f g+= $-em_;Dk{s g+ M(*)!@#*$)$

:yfg M ;"o{ljgfos, eQmk'/7]ufgf M eQmk'/ lhNnf;"o{ljgfos g=kf= j8f g+= #;Dk{s g+ M(*)!@#*$)^

:yfg M rk'/7]ufgf M /f}tx6 lhNnfrGb|lgufxk'/ g=kf= j8f g+= !;Dk{s g+ M(*)!@#*$!#

:yfg M k[YjL dfu{7]ufgf M lrtjg lhNnfe/tk'/ d=g=kf= j8f g+= #;Dk{s g+ M(*)!@#*$!*

:yfg M w/fg7]ufgf M ;'g;/L lhNnf w/fg p=d=g=kf= j8f g+= (;Dk{s g+ M (*)!@#*$#(

:yfg M hLtk'/7]ufgf M slknj:t'lh=jf0fu+uf hLtk'/ j8f g+= )!;Dk{s g+ M(*)!@#*$$^

:yfg M ufO{3f67]ufgf M pbok'/ lh= lqo'uf g=kf= j8f g+= !!;Dk{s g+ M (*)!@#*$%%

:yfg M sn}of7]ufgf M af/f lh= sn}of p=d=g=kf= j8f g+= )^;Dk{s g+ M(*)!@#*$%!

:yfg M ag]kf7]ufgf M sfe|] lhNnf ag]kf g=kf= j8f g+= &;Dk{s g+ M (*)!@#*$@@

:yfg M Onfd 7]ufgf M Onfd lhNnf Onfd g=kf= ahf/ j8f g+= &;Dk{s g+ M(*)!@#*$@#

:yfg M bds7]ufgf M emfkf lhNnf bds g=kf= j8f g+= !!;Dk{s g+ M(*)!@#*$#)

:yfg M afUn' ∙7]ufgf M afUn' ∙ lhNnfafUn' ∙ g=kf= j8f g+= @;Dk{s g+ M(*)!@#*$@%

:yfg M O6x/L7]ufgf M ;'g;/L lhNnf O6x/L p=d=g=kf= j8f g+= ^;Dk{s g+ M(*)!@#*$@$

:yfg M x]6f}+8f7]ufgf M dsjfgk'/ lhNnf x]6f}+8f p=d=g=kf= j8f g+=$;Dk{s g+ M(*)!@#*$$@

:yfg M wgu9L7]ufgf M s}nfnL lh= wgu9L p=d=g=kf= j8f g+= )$;Dk{s g+ M(*)!@#*$@&

:yfg M 3f]/fxL7]ufgf M bf ∙ lh= 3f]/fxL p=d=g=kf= j8f g+= !%;Dk{s g+ M (*)!@#*$$#

:yfg M /ljejg7]ufgf M sf=lh=sf=d=g=kfj8f g+= !#;Dk{s g+ M (*)!@#*$$!

:yfg M dLgejg7]ufgf M sf=lh=sf=d=g=kfj8f g+= #!;Dk{s g+ M(*)!@#*$@^

:yfg M nfxfg7]ufgf M l;/xf lhNnf nfxfg dxfb]j kf]tf{xf j8f g+= !;Dk{s g+ M (*)!@#*$$#

:yfg M sf]xnk'/7]ufgf M afFs] lhNnf sf]xnk'/ g=kf= j8f g+= !!;Dk{s g+ M(*)!@#*$$&

:yfg M kf]v/Lo7]ufgf M k;f{ lh= kf]v/Lo g=kf= j8f g+=$;Dk{s g+ M(*)!@#*$%)

:yfg M ;'v87]ufgf M s}nfnL lh= 3f]8f3f]8L g=kf= j8f g+= )!;Dk{s g+ M (*)!@#*$!&

:yfg M lstL{k'/7]ufgf M sf7df08f} lhNnf g=kf lstL{k'/ j8f g+= (;Dk{s g+ M(*)!@#*$!$

:yfg M u+ua'7]ufgf M sf7df08f} lhNnf 6f]vf g=kf= j8f g+= (;Dk{s g+ M(*)!@#*$!%

:yfg M hf]/kf6L7]ufgf M sf7df08f} lhNnf uf]s0f{]Zj/ g=kf= j8f g+= ^;Dk{s g+ M(*)!@#*$@*

:yfg M l;Gw'nL7]ufgf M l;Gw'nL lhNnf s=g=kfj8f g+= )^;Dk{s g+ M(*)!@#*$!^

:yfg M bdf}nL7]ufgf M tgxF' lhNnf Jof; g=kf=j8f g+= @;Dk{s g+ M(*)!@#*$#@

:yfg M eb|k'/7]ufgf M emfkf lhNnf eb|k'/ g=kf= j8f g+=!);Dk{s g+ M (*)!@#*$%&

:yfg M wgs'6f 7]ufgf M wgs'6f lhNnf wgs'6f g=kf= j8f g+=&;Dk{s g+ M(*)!@#*$@(

:yfg M lghu97]ufgf M af/f lhNnf lghu9 g=kf= j8f g+= &;Dk{s g+ M(*)!@#*$$%

:yfg M l6sfk'/7]ufgf M s}nfnL lhNnf l6sfk'/ g=kf= j8f g+= *;Dk{s g+ M(*)!@#*$%*

:yfg M ab{3f67]ufgf M gjnk/f;L lhNnf ab{3f6 g=kf= j8f g+= $;Dk{s g+ M(*)!@#*$$$

:yfg M hgsk'/7]ufgf M wg'iff lhNnf hgsk'/ g=kf= j8f g+= !;Dk{s g+ M(*)!@#*$!(

:yfg M u'nl/of7]ufgf M alb{of lhNnf g=kf= u'nl/of j8f g+= ^;Dk{s g+ M(*)!@#*$$*

:yfg M e}/jxf7]ufgf M ?kGb]xL lh=l;4fy{gu/ g=kf= j8f g+= &;Dk{s g+ M(*)!@#*$#!

:yfg M alb{jf;7]ufgf M dxf]Q/L lh= alb{jf; g=kf= j8f g+= !$;Dk{s g+ M (*)!@#*$%^

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Kathmandu, Nepal | P.O. Box: 19433www.jyotilife.com