cfly{s jif{ @)&&÷&* sf] df}lb|s gLlt · cfly{s jif{ @)&&÷&* sf] df}lb|s gLlt g]kfn /fi6« a}+s s]Gb|Lo sfof{no afn'jf6f/, sf7df8f}+ ;fpg @)&&

cfly{s jif{ @)&&÷&* sf] df}lb|s gLlt

g]kfn /fi6« a}+s s]Gb|Lo sfof{no

afn'jf6f/, sf7df8f}+ ;fpg @)&&

ueg{/ >L dxf k|;fb clwsf/Ln] @)&& ;fpg @ ut] ;fj{hlgs ug'{ePsf]

cfly{s jif{ @)&&÷&* sf]

df}lb|s gLlt

g]kfn /fi6« a}+s s]Gb|Lo sfof{no

afn'jf6f/, sf7df8f}+

g]kfn /fi6« a}+s s]Gb|Lo sfof{no afn'jf6f/, sf7df8f}+ g]kfn

kmf]g g+= $$!)!%* Website: www.nrb.org.np

ljifo ;"rL

k[i7e"ld .......................................................................................................... 1

cGt/f{li6«o cfly{s l:ylt ...................................................................................... 2

;dli6ut cfly{s l:ylt ....................................................................................... 3

ljQLo If]q l:ylt .............................................................................................. 4

cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] ;dLIff ........................................................ 7

df}lb|s Joj:yfkg ....................................................................................................................................... 7

ljQLo If]q sfo{qmdsf] ;dLIff .................................................................................................................. 8

sf]le8–!( sf] ;Gbe{df ul/Psf k|d'v gLltut Joj:Yff ........................................................................ 9

cfly{s jif{ @)&&÷&* sf] kl/b[Zo ........................................................................ 10

cfly{s jif{ @)&&÷&* sf] df}lb|s gLltsf] :j?k ....................................................... 11

sfo{lbzf .................................................................................................................................................... 11

cfly{s tyf df}lb|s nIo ......................................................................................................................... 12

;~rfng nIo tyf pks/0f .................................................................................................................. 12

cfly{s jif{ @)&&÷&* sf] ljQLo If]q ;DaGwL Joj:yf ............................................... 13

shf{ ;DaGwL Joj:yf ............................................................................................................................... 13

cfly{s k'g?Tyfg nlIft ljz]if sfo{qmd ................................................................................................. 16

sf]le8–!( af6 clt k|efljt k]zf÷Joj;fo ;~rfng shf{ ............................................................... 17

shf{ e'QmfgL cjlwsf] Dofb yk, shf{ k'g/;+/rgf tyf k'g/tflnsLs/0f ......................................... 17

ljQLo If]q ;'b[9Ls/0f .............................................................................................................................. 19

lgodg tyf ;'kl/j]If0f ........................................................................................................................... 20

n3'ljQ ..................................................................................................................................................... 22

e'QmfgL k|0ffnL ................................................................................................ 23

ljb]zL ljlgdo Joj:yfkg .................................................................................. 24

;+:yfut ;'zf;g, ljQLo ;fIf/tf / u|fxs ;+/If0f ..................................................... 25

cg';"rL ! df}lb|s k|If]k0f

cg';"rL @ cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] nIo tyf k|ult ljj/0f

tflnsf ;"rL

cfly{s jif{ @)&&÷&* sf] df}lb|s gLlt

k[i7e"ld

1. cfly{s jif{ @)&&÷&* sf] df}lb|s gLlt sf]le8–!( dxfdf/Ln] ljZje/ dfgjLo

;+s6sf ;fy} cfly{s ;+s6 pTkGg u/]sf] leGg kl/j]zdf th'{df ul/Psf] 5 . Ps

ztfJbL kl5sf] ck|Toflzt dxfdf/Laf6 ! s/f]8 #( nfv eGbf a9L dflg; ;+qmldt

ePsf 5g\ eg] % nfv (# xhf/n] Hofg u'dfPsf 5g\ . ljZj cy{tGq ;g\ !(#) sf]

bzssf] dxfdGbL kl5sf] ;j}eGbf 7"nf] ;+s'rgdf uPsf] 5 . ljZjn] Ps} k6s

:jf:Yo ;+s6 / cfly{s ;+s6 Joxf]g'{ k/]sf sf/0f ul/aL, a]/f]huf/L / cfo c;dfgtf

a9\g]] cg'dfg 5 .

2. ;fdflhs Gofo ;lxtsf] bLuf] tyf pRr cfly{s j[l4 xfl;n ub}{ …;d[4 g]kfn, ;'vL

g]kfnLÚ sf] /fli6«o cfsf+Iff xfl;n ug]{ cfwf/zLnf tof/ xF'b} u/]sf] cj:yfdf sf]le8–

!( n] cgk]lIft r'gf}tL yk]sf] 5 . nuftf/ tLg jif{sf] pRr cfly{s j[l4 kl5 cfly{s

jif{ @)&^÷&& df Go"g cfly{s j[l4 /x]sf] cg'dfg 5 . d'b|f:kmLlt nlIft ;Ldfleq}

/x]sf] 5 eg] cfoft ;+s'rg ePsf sf/0f Jofkf/ 3f6f tyf rfn' vftf 3f6fdf ;'wf/

cfPsf] 5 . zf]wgfGt/ art pNn]Vo a9]sf] 5 . lgIf]k kl/rfngsf] t'ngfdf shf{

lj:tf/ sd /x]sf]] 5 .

3. ljQLo kxF'r pNn]Vo lj:tf/ ePsf] 5 . ljQLo sf/f]af/df ljB'tLo e'QmfgLsf] k|of]u

a9\b} uO/x]sf] 5 . ljQLo lj:tf/;F+u} cfw'lgs e'QmfgL k|0ffnLsf nflu k"jf{wf/

ljsf;sf] sfd cufl8 a9]sf] 5 . df]jfOn a}+lsËsf] k|of]u a9]sf sf/0f aGbfaGbLsf]

;dodf ;d]t a}+lsË sf/f]af/ ;xh ePsf] 5 .

4. sf]le8–!( sf sf/0f ljZje/ g} >d ahf/ / ljk|]if0f cfk|jfx k|efljt x'g] cg'dfg

5 . j}b]lzs /f]huf/Ldf uPsf] >dzlQm kmls{g] qmd;Fu} To;sf] c;/ cfGtl/s >d

ahf/df klg kg]{ ePsf] 5 . k|d'v >duGtJo d'n'sx? cfly{s ;+s'rgdf uP;Fu}

ljk|]if0f cfk|jfxdf sdL cfPdf ;f] sf] c;/ a}+lsË If]qsf] ;fwg kl/rfng, jfXo If]q

;Gt'ng tyf ul/aL lgjf/0fdf kg]{ b]lvPsf] 5 .

5. sf]le8–!( dxfdf/Ln] cy{tGqdf kf/]sf] c;/ Joj:yfkg ug{ df}lb|s gLltn] d"No /

jfXo If]q :yfloTj sfod /fVb} cfly{s k'g?Tyfgdf hf]8 lbg'kg]{ cj:yf 5 . cfly{s

ultljlwnfO{ rnfodfg agfpg sf]le8–!( af6 k|efljt If]qsf] shf{ Joj:yfkg /

2 g]kfn /fi6« a}+s

kxF'rdf ;xhLs/0f ug'{kg]{ / ljQLo ;fwgnfO{ pBdzLntf ljsf;, pTkfbg clej[l4

/ /f]huf/L l;h{gf ug]]{tkm{ k|f]T;flxt ug'{kg]{ ePsf] 5 .

6. /fli6«o tyf cGt/f{li6«o cfly{s l:ylt Pjd\ kl/b[ZonfO{ Wofgdf /fvL g]kfn /fi6« a}+s

P]g, @)%* sf] Joj:yf adf]lhd cfly{s jif{ @)&&÷&* sf] df}lb|s gLlt th'{df

ul/Psf] 5 . o;sf ;fy} g]kfn ;/sf/sf] kGw|f+} k~rjifL{o of]hgf, cfly{s jif{

@)&&÷&* sf] ah]6, ljQLo If]q ljsf; /0fgLlt / o; a}+ssf] t];|f] /0fgLlts

of]hgfnfO{ ;d]t df}lb|s gLlt th'{dfsf] cfwf/sf] ?kdf lnOPsf] 5 . ;j}

;/f]sf/jfnfx?af6 k|fKt ;'emfjnfO{ ;d]t Wofgdf /fvL of] df}b|s gLlt th'{df

ul/Psf] 5 .

cGt/f{li6«o cfly{s l:ylt

7. sf]le8–!( ;+qmd0f lgoGq0f tyf /f]syfdsf nflu ljZjJofkL ?kdf cjnDag

ul/Psf pkfox?af6 pTkfbgb]lv cfk"lt{;Ddsf >[+vnf cj?4 eO{ ljZj cy{tGq

;+s'rgdf uPsf] 5 . cGt/f{li6«o d'b|fsf]ifn] h'g @)@) df cBfjlws u/]sf] jN8{

Osf]gf]lds cfp6n's cg';f/ ;g\ @)@) df ljZj cy{tGq $=( k|ltztn] ;+s'rg x'g]

k|If]k0f u/]sf] 5 .

8. ljsl;t d'n'sx?sf] cy{tGq ;g\ @)!( df !=& k|ltztn] lj:tf/ ePsf]df ;g\

@)@) df * k|ltztn] ;+s'rg x'g]] cGt/f{li6«o d'b|fsf]ifsf] k|If]k0f 5 . pbLodfg tyf

ljsf;zLn cy{tGq ;g\ @)!( df #=& k|ltztn] j[l4 ePsf]df ;g\ @)@) df #

k|ltztn] ;+s'rg x'g]] k|If]k0f 5 .

9. PlzofnL cy{tGq ;g\ @)@) df !=^ k|ltztn] ;+s'rg x'g] cGt/f{li6«o d'b|fsf]ifsf]

k|If]k0f 5 . o;dWo] ef/tsf]] cy{tGq $=% k|ltztn] ;+s'rg x'g] / rLgsf] cy{tGq !

k|ltztn] lj:tf/ x'g] k|If]k0f 5 . g]kfnsf] cfly{s j[l4 eg] ! k|ltztdf ;Lldt x'g]

cGt/f{li6«o d'b|fsf]ifsf] k|If]k0f 5 .

10. sf]le8–!( sf sf/0f ;dli6ut dfudf ;+s'rg cfpg'sf ;fy} k]6«f]lnod kbfy{sf]

d"Nodf ;d]t lu/fj6 cfPsf]n] d'b|f:kmLlt s]xL Go"g /x]sf]]] 5 . cGt/f{li6«o d'b|fsf]ifn]

ljsl;t cy{tGqx?df ;g\ @)!( df !=$ k|ltzt d'b|f:kmLlt /x]sf]df ;g\ @)@) df

)=# k|ltzt x'g]] k|If]k0f u/]sf] 5 . pbLodfg tyf ljsf;zLn cy{tGqx?df pkef]Qmf

cfly{s jif{ @)&&÷&* sf] df}lb|s gLlt 3

d'b|f:kmLlt ;g\ @)!( sf] %=! k|ltztsf] t'ngfdf ;g\ @)@) df $=$ k|ltzt /xg]

k|If]k0f 5 .

11. ljZj cy{tGqdf b]lvPsf r'gf}tLx? ;fdgf ug{ clwsf+z d'n'sx?n] lj:tf/sf/L

df}lb|s Pjd\ ljQ gLlt cjnDag u/]sf 5g\ . sf]le8–!( ;+s6af6 l;lh{t

clglZrttfsf jfah'b w]/} d'n'sx?n] cfly{s lqmofsnfk ;xh agfpg aGbfaGbL

nufotsf Joj:yfx? qmdzM v's'nf] agfpFb} nu]sf 5g\ .

;dli6ut cfly{s l:ylt

cfly{s j[l4 / d"No l:ylt

12. cfly{s jif{ @)&%÷&^ df & k|ltzt cfly{s j[l4 xfl;n ePsf]df cfly{s jif{

@)&^÷&& df @=@* k|ltztdf ;Lldt /x]sf] s]Gb|Lo tYofÍ ljefusf] k|f/lDes

cg'dfg 5 . s[lif If]qsf] j[l4b/ @=^ k|ltzt, pBf]u If]qsf] #=@ k|ltzt tyf ;]jf

If]qsf] j[l4b/ @ k|ltzt /x]sf] cg'dfg 5 .

13. cfly{s jif{ @)&^÷&& df s'n ufx{:Yo pTkfbg;Fusf] s'n ufx{:Yo artsf] cg'kft

!*=! k|ltzt / s'n /fli6«o artsf] cg'kft $^ k|ltzt /x]sf] cg'dfg 5 . cl3Nnf]

jif{ oL cg'kftx? qmdzM !( k|ltzt / $*=( k|ltzt /x]sf lyP .

14. cfly{s jif{ @)&^÷&& df s'n ufx{:Yo pTkfbgdf s'n l:y/ k'FhL lgdf{0fsf] cg'kft

@*=! k|ltzt / s'n k'FhL lgdf{0fsf] cg'kft %)=@ k|ltzt /x]sf] cg'dfg 5 . cl3Nnf]

jif{ oL cg'kftx? qmdzM ##=& k|ltzt / %^=^ k|ltzt /x]sf lyP .

15. @)&& h]7df jflif{s ljGb'ut pkef]Qmf d'b|f:kmLlt $=%$ k|ltzt /x]sf] 5 . cfly{s

jif{ @)&^÷&& sf] P3f/ dlxgfdf cf};t pkef]Qmf d'b|f:kmLlt ^=@* k|ltzt /x]sf]

5 . cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] d'b|f:kmLlt $=%! k|ltzt /x]sf] lyof] .

;/sf/L vr{, /fh:j tyf cfGtl/s C0f kl/rfng

16. dxfn]vf lgoGqs sfof{noaf6 ;fj{hlgs ljj/0f cg';f/ cfly{s jif{ @)&^÷&& df

;+3Lo ;/sf/sf] rfn' vr{ ?= &*^ ca{ %# s/f]8, k'FhLut vr{ ?= !(! ca{ &&

s/f]8 / ljQLo Joj:yftkm{sf] vr{ ?= !!^ ca{ $ s/f]8 u/L hDdf ?= !)($ ca{

#$ s/f]8 vr{ ePsf] 5 . of] cjlwdf /fh:j ;+sng ?= *$! ca{ #^ s/f]8 ePsf]

5 .

4 g]kfn /fi6« a}+s

17. cfly{s jif{ @)&^÷&& df g]kfn ;/sf/n] s'n cfGtl/s C0f kl/rfng ?= !($ ca{

^$ s/f]8 / ;fFjf e'QmfgL ?= #$ ca{ #( s/f]8 u/L v'b cfGtl/s C0f ?= !^) ca{

@% s/f]8 kl/rfng u/]sf] 5 . pQm /sd s'n ufx{:Yo pTkfbgsf] $=# k|ltzt x'g

cfpF5 .

j}b]lzs Aofkf/, ljk|]if0f cfk|jfx tyf zf]wgfGt/ l:ylt

18. cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfdf lgof{t )=@ k|ltztn] a9]/ ?= ** ca{ /

cfoft !%=# k|ltztn] 36]/ ?= !!)) ca{ *! s/f]8 ePsf] 5 . o; cjlwdf Jofkf/

3f6fdf !^=$ k|ltztn] ;'wf/ cfPsf] 5 eg] ljk|]if0f cfk|jfx # k|ltztn] 36]/

?= &&$ ca{ *& s/f]8 sfod ePsf] 5 .

19. cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfdf rfn' vftf 3f6f ?= &! ca{ ^$ s/f]8 /

zf]wgfGt/ art ?= !&( ca{ #& s/f]8 sfod ePsf]] 5 . cfly{s jif{ @)&%÷&^ sf]

;f]xL cjlwdf rfn' vftf 3f6f ?= @$( ca{ * s/f]8 / zf]wgfGt/ 3f6f ?= () ca{

*# s/f]8 /x]sf] lyof] .

20. @)&& h]7 d;fGtdf s'n ljb]zL ljlgdo ;l~rlt ?= !#)^ ca{ $^ s/f]8 -cd]l/sL

8n/ !) ca{ &( s/f]8_ k'u]sf] 5 . cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfsf]

cfoftnfO{ cfwf/ dfGbf a}+lsË If]q;Fu sfod /x]sf] ljb]zL ljlgdo ;l~rlt !#=#

dlxgfsf] j:t'' tyf !!=& dlxgfsf] j:t'' / ;]jf cfoft wfGg kof{Kt x'g] b]lvPsf] 5 .

21. @)&^ c;f/ d;fGtsf] t'ngfdf @)&& c;f/ d;fGtdf cd]l/sL 8n/;Fu g]kfnL

?k}ofF (=!% k|ltztn] cjd"Nog eO{ cd]l/sL Ps 8n/sf] vl/b b/ ?= !@)=#& k'u]sf]

5 .

ljQLo If]q l:ylt

a}lsË If]q

22. cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfdf a}s tyf ljQLo ;+:yfsf] lgIf]k kl/rfng

!#=# k|ltztn] j[l4 eO{ ?= #^^^ ca{ ^@ s/f]8 k'u]sf] 5 . cl3Nnf] jif{sf]] ;f]xL

cjlwdf ;d]t lgIf]k kl/rfng !#=# k|ltztn] j[l4 eO{ ?= #!)% ca{ &$ s/f]8

k'u]sf] lyof] .


23. cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfdf a}s tyf ljQLo ;+:yfsf] nufgLdf /x]sf]

shf{ !)=& k|ltztn] j[l4 eO{ ?= #!&@ ca{ (* s/f]8 k'u]sf] 5 . cl3Nnf] jif{sf]]

;f]xL cjlwdf o:tf] shf{ !*=@ k|ltztn] a9]/ ?= @*#^ ca{ & s/f]8 k'u]sf] lyof] .

24. @)&^ r}t d;fGtdf a}+s tyf ljQLo ;+:yfsf] nufgLdf /x]sf] shf{dWo] ?= !%

nfv;Ddsf] shf{ !% k|ltzt, ?= !% nfvb]lv ?= %) nfv;Ddsf] shf{ @$=(

k|ltzt, ?= %) nfvb]lv ?= ! s/f]8;Ddsf] shf{ !)=@ k|ltzt, ?= ! s/f]8b]lv ?= %

s/f]8;Ddsf] shf{ @@=# k|ltzt / ?= % s/f]8 dflysf] shf{ @&=^ k|ltzt /x]sf] 5 .

25. @)&& h]7 d;fGtdf a}+s tyf ljQLo ;+:yf -n3'ljQ ljQLo ;+:yfx? ;d]t_ sf] r'Qmf

k'FhL] @)&^ c;f/sf] t'ngfdf *=@ k|ltztn] j[l4 eO{ ?= #$( ca{ %( s/f]]8 k'u]sf]

5 . To;}u/L, o; cjlwdf k'FhLsf]if (=* k|ltztn] a9]/ ?= %!* ca{ % s/f]8 sfod

ePsf]] 5 .

26. @)&& h]7 d;fGtdf jfl0fHo a}+sx?sf] k'FhL sf]if kof{Kttf cg'kft !#=$ k|ltzt,

ljsf; a}+sx?sf] !#=$ k|ltzt / ljQ sDkgLx?sf] !*=& k|ltzt /x]sf] 5 . @)&^

c;f/ d;fGtdf oL cg'kftx? qmdzM !$ k|ltzt, !^ k|ltzt / @)=$ k|ltzt /x]sf

lyP .

27. a}+s tyf ljQLo ;+:yfx?sf] lgliqmo shf{ cg'kft @)&^ c;f/ d;fGtdf !=%@

k|ltzt /x]sf]df @)&^ r}t d;fGtdf !=*! k|ltzt k'u]sf] 5 . @)&^ r}t d;fGtdf

jfl0fHo a}+sx?sf] lgliqmo shf{ cg'kft !=&@ k|ltzt, ljsf; a}+sx?sf] !=$*

k|ltzt / ljQ sDkgLx?sf] ^=&^ k|ltzt /x]sf] 5 .

28. a}+s tyf ljQLo ;+:yfnfO{ dh{/ tyf k|flKtdf hfg k|f]T;flxt ug{ z'? u/]kZrft\sf]

Ps bzsdf !(^ a}+s tyf ljQLo ;+:yfx? -@% jfl0fHo a}+s ;d]t_ dh{/ tyf k|flKt

k|lqmofdf ;+nUg eO{ $^ ;+:yf sfod ePsf 5g\ . o; cjlwdf % jfl0fHo a}+sx?

;d]t u/L !%) ;+:yfsf] Ohfht vf/]h ePsf] 5 . cfly{s jif{ @)&^÷&& df $

jfl0fHo a}+s ;lxt #% a}+s tyf ljQLo ;+:yf dh{/ tyf k|flKt k|lqmofdf ;+nUg eO{

@) ;+:yfsf] Ohfht vf/]h ePsf] 5 .

29. a}+s tyf ljQLo ;+:yfsf zfvf lj:tf/;Fu} ljQLo kx'Fr a9]sf] 5 . a}+s tyf ljQLo

;+:yfsf] zfvf ;+Vof @)&^ c;f/ d;fGtdf *^*^ /x]sf]df @)&& h]7 d;fGtdf

(&!^ k'u]sf] 5 . pQm cjlwdf k|lt a}+s zfvf hg;+Vof ##^# af6 36]/ #)&%

sfod ePsf] 5 .

6 g]kfn /fi6« a}+s

;Demf}tLt art kl/rfng

30. sd{rf/L ;~ro sf]ifsf] ;DklQ÷bfloTj @)&^ c;f/ d;fGtdf ?= #$@ ca{ &@

s/f]8 /x]sf]df @)&^ r}t d;fGtdf ?= #&! ca{ %* s/f]8 k'u]sf] 5 . pQm cjlwdf

;+rostf{x?sf] ;l~rt /sd &=& k|ltztn] j[l4 eO{ ?= ### ca{ &% s/f]8 k'u]sf]

5 eg] shf{ ;fk6L (=$ k|ltztn] j[l¢ eO{ ?= @%% ca{ @ s/f]8 k'u]sf] 5 .

31. gful/s nufgL sf]ifsf] ;DklQ÷bfloTj @)&^ c;f/ d;fGtdf ?= !$* ca{ (! s/f]8

/x]sf]df @)&^ r}t d;fGtdf ?= !^) ca{ %* s/f]8 k'u]sf] 5 . ;f] cjlwdf sf]if

;+sng !=& k|ltztn] j[l4 eO{ ?= !@* ca{ !@ s/f]8 k'u]sf] 5 eg] shf{ ;fk6L

!#=( k|ltztn] j[l¢ eO{ ?= $^ ca{ #! s/f]8 k'u]sf] 5 .

32. ljut s]xL jif{otf aLdf ;]jf pNn]Vo lj:tf/ x'Fb} sl/a @& k|ltzt gful/s -j}b]lzs

/f]huf/Ldf /x]sf gful/s ;d]t_ sf] aLdfdf kx'Fr k'u]sf] cg'dfg 5 . @)&^ c;f/

d;fGtdf aLdf sDkgLx?sf] s'n ;DklQ÷bfloTj ?= #$& ca{ !^ s/f]8 /x]sf]df

!&=( k|ltztn] j[l4 eO{ @)&^ r}t d;fGtdf ?= $)( ca{ !% s/f]8 k'u]sf] 5 .

k'FhL ahf/

33. @)&^ c;f/ d;fGtdf !@%( /x]sf] g]K;] ;"rsfÍ @)&& c;f/ d;fGtdf !#^@=#$

sfod ePsf]]] 5 . To;}u/L, @)&^ c;f/ d;fGtdf ahf/ k'FhLs/0f ?= !%^& ca{ %)

s/f]8 /x]sf]df @)&& c;f/ d;fGtdf ?= !&(@ ca{ &^ s/f]8 /x]sf] 5 .

34. jfl0fHo a}+sx?nfO{ bL3{sfnLg C0fkq hf/L u/L ljQLo ;fwg kl/rfng ug{

k|f]T;flxt ul/Psf sf/0f lwtf]kq ahf/df pks/0fut ljljwLs/0f k|f/De ePsf] 5 .

cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfdf !& jfl0fHo a}+s / @ ljQ sDkgL u/L !(

;+:yfn] ?= $% ca{ @% s/f]8sf] C0fkq lgisfzg ug{ o; a}+saf6 :jLs[lt k|fKt

u/]sf 5g\ . @)&& h]7 d;fGtdf a}+s tyf ljQLo ;+:yfsf] ?= %$ ca{ @( s/f]8sf]

C0fkq bfloTj /x]sf] 5 .

;xsf/L ;+:yf

35. @)&% kmfu'g d;fGtdf ;xsf/L ;+:yfx?sf] art kl/rfng ?= #$% ca{ %* s/f]8

/x]sf]df @)&^ kmfu'g d;fGtdf ?= #%) ca{ %* s/f]8 k'u]sf] 5 . ;f] cjlwdf C0f

k|jfx ?= ##@ ca{ &! s/f]8af6 j[l4 eO{ ?= #$! ca{ &! s/f]8 sfod ePsf]

5 .


cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] ;dLIff

df}lb|s Joj:yfkg

36. cfly{s jif{ @)&^÷&& df lj:t[t d'b|fk|bfosf] jflif{s j[l4b/ !* k|ltztdf ;Lldt

ug]{ nIo /flvPsf]df @)&& h]7 d;fGtdf jflif{s ljGb''ut j[l4b/ !&=% k|ltzt /x]sf]

5 .

37. df}lb|s If]qaf6 k|jfx x'g] shf{dWo] cfGtl/s shf{sf] j[l4b/ @$ k|ltzt / lghL

If]qtk{msf] shf{sf] j[l4b/ @! k|ltztdf ;Lldt ug]{ k|If]k0f ul/Psf]]]df @)&& h]7

d;fGtdf oL shf{sf] jflif{s ljGb'ut j[l4b/ qmdzM !^=( k|ltzt / !# k|ltzt /x]sf]

5 .

38. cfly{s jif{ @)&^÷&& df ?= @!( ca{ !% s/f]8 t/ntf k|jfx ePsf] 5 . o;

cGt{ut l/kf]dfkm{t ?= !!% ca{ *& s/f]8 / :yfoL t/ntf ;'ljwfdfkm{t ?= !)# ca{

@* s/f]8 k|jfx ePsf] 5 .

39. cfly{s jif{ @)&^÷&& df ?= &* ca{ t/ntf k|zf]rg ePsf] 5 . o; cGtu{t l/e;{

l/kf]dfkm{t ?= $* ca{ / lgIf]k ;+sng af]nsjf]ndfkm{t ?= #) ca{ k|zf]rg ePsf]

5 .

40. cfly{s jif{ @)&^÷&& df o; a}+sn] jfl0fHo a}+sx¿af6 cd]l/sL 8n/ $ ca{ @)

s/f]8 v'b vl/b u/L ?= $(@ ca{ @$ s/f]8 t/ntf k|jfx u/]sf] 5 . ;f]xL cjlwdf

kl/jTo{ ljb]zL d''b|f laqmL u/L ?= $$@ ca{ !# s/f]8sf] ef=?= vl/b u/]sf] 5 .

41. cfly{s jif{ @)&^÷&& df jfl0fHo a}+sx¿aLr ?= !%)! ca{ $% s/f]8 / a}+s tyf

ljQLo ;+:yfx¿ -jfl0fHo a}+sx¿aLr afx]s_ aLr ?= !@( ca{ $) s/f]8sf] cGt/a}+s

sf/f]af/ ePsf] 5 .

42. @)&& c;f/df (!–lbg] 6«]h/L ljnsf] efl/t cf};t Aofhb/ !=@& k|ltzt / jfl0fHo

a}+sx¿aLrsf] efl/t cf};t cGt/a}+s b/ )=#% k|ltzt /x]sf] 5 . @)&^ c;f/df oL

b/x? qmdzM $=(& k|ltzt / $=%@ k|ltzt /x]sf lyP .

43. jfl0fHo a}+sx?sf] cf};t cfwf/ b/ @)&^ c;f/df (=%& k|ltzt /x]sf]df @)&&

h]7df *=^^ k|ltzt sfod ePsf] 5 . To;}u/L @)&& h]7df shf{sf] efl/t cf};t

Aofhb/ !)=$# k|ltzt / lgIf]ksf] efl/t cf};t Aofhb/ ^=!& k|ltzt sfod ePsf]

8 g]kfn /fi6« a}+s

5 . @)&^ c;f/df shf{sf] efl/t cf};t Aofhb/ !@=!# k|ltzt / lgIf]ksf] efl/t

cf};t Aofhb/ ^=^) k|ltzt /x]sf lyP .

ljQLo If]q sfo{qmdsf] ;dLIff

44. cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfdf jfl0fHo a}+sx?n] ljb]zaf6 ( s/f]8

cd]l/sL 8n/ C0f lng] :jLs[lt k|fKt u/]sf]df & s/f]8 cd]l/sL 8n/ k|fKt u/]sf

5g\ . o; cjlwdf # n3'ljQ ljQLo ;+:yfn] cd]l/sL 8n/ @ s/f]8 ^ nfv / hfkfgL

o]g ! s/f]8 !) nfv C0f lng] :jLs[lt kfPsf 5g\ . of] Joj:yf nfu" ePkZrft\ a}+s

tyf ljQLo ;+:yfn] xfn;Dd !! s/f]8 *! nfv cd]l/sL 8n/ / ! s/f]8 !) nfv

hfkfgL o]g kl/rfng u/]sf 5g\ .

45. a}+s tyf ljQLo ;+:yfx?n] ;+:yfut ljb]zL lgIf]kstf{ tyf u}/–cfjf;Lo g]kfnLaf6

Go"gtd @ jif{ cjlwsf] ljb]zL d'b|f d'2tL lgIf]k :jLsf/ ug{;Sg] Joj:yf ul/Psf]df

cfly{s jif{ @)&^÷&& sf] P3f/ dlxgfdf * nfv *! xhf/ cd]l/sL 8n/ lgIf]k

kl/rfng ePsf] 5 .

46. a}+s tyf ljQLo ;+:yfn] s'n :jb]zL d'b|f lgIf]ksf] a9Ldf %) k|ltzt;Dd ;+:yfut

lgIf]k kl/rfng ug{ kfpg] Joj:yf ul/Psf]df @)&& h]7df o:tf] lgIf]ksf] cf};t

c+z $%=! k|ltzt /x]sf] 5 . a+}s tyf ljQLo ;+:yfn] cfˆgf] s'n :jb]zL lgIf]ksf]

clwstd !) k|ltzt;Dd dfq Ps ;+:yfaf6 lgIf]k kl/rfng ug{ kfpg] Joj:yf

/x]sf] 5 .

47. jfl0fHo a}+sx?n] cfˆgf] r'Qmf k'FhLsf] Go"gtd @% k|ltzt a/fa/ C0fkq hf/L ug'{kg]{

Joj:yf ul/Psf]df cfly{s jif{ @)&^÷&& df !@ jfl0fHo a}+sn] C0fkqdfkm{t ?= @^

ca{ ( s/f]8sf] ;fwg kl/rfng u/]sf 5g\ .

48. pTkfbgzLn ultljlw tyf lgof{tnfO{ k|f]T;flxt ug]{ p2]Zon] o; a}+saf6 ;x'lnot

b/df k|bfg ul/+b} cfPsf] k'g/shf{ @)&& c;f/ d;fGtdf ?= & ca{ $( s/f]8

nufgLdf /x]sf] 5 . o; cGtu{t ;fwf/0f k'g/shf{ ?= % ca{ ** s/f]8 / e'sDk

kLl8tnfO{ k|jfx ul/Psf] k'g/shf{ ?= ! ca{ ^! s/f]8 /x]sf] 5 .

49. jfl0fHo a}+sx?n] cfˆgf] s'n shf{sf] Go""gtd !) k|ltzt s[lif If]qdf k|jfx ug'{kg]{

Joj:yf /x]sf]df @)&& h]7 d;fGtdf ?= @^! ca{ !% s/f]8 cyf{t s'n shf{sf] (=&

k|ltzt k|jfx ePsf] 5 . o;}u/L phf{ tyf ko{6gdf !% k|ltzt shf{ k|jfx ug'{kg]{


Joj:yf /x]sf]df phf{df ?= !$$ ca{ !$ s/f]8 cyf{t s'n shf{sf] %=# k|ltzt /

ko{6gdf ?= !@( ca{ &) s/f]8 cyf{t s'n shf{sf] $=* k|ltzt shf{ k|jfx ePsf]

5 .

50. jfl0fHo a}+s, ljsf; a}+s / ljQ sDkgLn] cfˆgf] s'n shf{ nufgLsf] Go"gtd %

k|ltzt ljkGg ju{df k|jfx ug'{kg]{ Joj:yf /x]sf]df @)&& h]7 d;fGtdf jfl0fHo

a}+s, ljsf; j}+s / ljQ sDkgLx?sf]] ljkGg ju{df ?= !*( ca{ &! s/f]8 shf{

nufgL ePsf] 5 . of] /sd s'n shf{ nufgLsf] %=( k|ltzt x'g cfpF5 .

51. s[lif, 3/]n' tyf ;fgf pBd nufotsf Joj;fo ;~rfngdf shf{ k|jfx a9fpFb}

pTkfbg tyf /f]huf/L clej[l4 ug{] p2]Zon] ;~rflnt ;x'lnotk"0f{ shf{ sfo{qmdaf6

@)&& h]7 d;fGt;Dd @( xhf/ !%& C0fL nfeflGjt ePsf 5g\ eg] ?= %% ca{ %$

s/f]8 shf{ nufgLdf /x]sf] 5 .

52. a+}s tyf ljQLo ;+:yfsf ;]jfu|fxLsf] u'gf;f Joj:yfkg ug]{ p2]Zon] o; a}+sdf /x]sf]

u'gf;f] ;'g'jfO{ OsfO{nfO{ ljQLo u|fxs ;+/If0f OsfO{ (Financial Consumer Protection

Unit) df ?kfGt/0f ul/Psf] 5 .

53. :yfgLo txsf ;a} j8fdf ljQLo ;]jfsf] kxF'r ;'lglZrt ug]{ p2]Zon] a}+s zfvf

gePsf j8fx?df zfvf/lxt a}+lsË ;]jf k|bfg ug{ o; a}+ssf] :jLs[lt lng' gkg]{

Joj:yf sfof{Gjogdf NofOPsf] 5 . @)&^ c;f/ d;fGtdf zfvf/lxt a}+lsË s]Gb|

;+Vof !%#) /x]sf]df @)&& h]7 d;fGtdf !^#@ k'u]sf] 5 .

sf]le8–!( sf] ;Gbe{df ul/Psf k|d'v gLltut Joj:Yff

54. sf]le8—!( ;+qmd0f /f]syfd tyf lgoGq0f ug{ rflnPsf sbdaf6 cy{tGqdf k/]sf]

c;/nfO{ b[li6ut u/L t/ntf ;xh agfpg], Aofhb/df 5'6 lbg] / shf{sf] efvf ;fg]{

nufotsf Joj:yfx? cjnDag u/L sfof{Gjogdf /x]sf 5g\ M

-s_ @)&^ r}t !^ b]lv nfu" x'g] u/L clgjfo{ gub cg'kft $ k|ltztaf6 # k|ltzt

/ a}+sb/ ^ k|ltztaf6 % k|ltzt sfod ul/Psf] .

-v_ gLltut b/sf] ?kdf /x]sf] l/kf] b/ $=% k|ltztaf6 #=% k|ltzt sfod

ul/Psf] .

10 g]kfn /fi6« a}+s

-u_ tf]lsPsf If]qdf k|jflxt shf{sf] @)&^ r}tdf sfod Aofhb/df cfly{s jif{

@)&^÷&& sf] rf}yf] qodf;sf] nflu @ k|ltzt ljGb'n] C0fLnfO{ Aofh 5'6

lbg'kg]{ Joj:yf ul/Psf] . n3'ljQ ljQLo ;+:Yffsf] xsdf # k|ltzt / yf]s shf{

sf/f]af/ ug]{ n3'ljQ ljQLo ;+:yfsf] xsdf @ k|ltzt ljGb'n] Aofhb/ 5'6 lbg'

kg]{ Joj:yf ul/Psf] .

-3_ a}+s tyf ljQLo ;+:yfn] sfod ug'{kg]{ Countercyclical Buffer ;DaGwL Joj:yf

:yug ul/Psf] .

-ª_ C0fLn] @)&^ r}t, @)&& a}zfv / h]7 d;fGtdf e'Qmfg ug'{kg]{ shf{sf] ;fFjf

tyf Aofh /sd @)&& c;f/ d;fGt;Dd e'Qmfg ug{ ;lsg] Joj:yf ul/Psf] .

-r_ C0fLn]] @)&^ r}tdf e'QmfgL ug'{kg]{ shf{sf] ls:tf ;f]xL dlxgfdf e'QmfgL u/]df

Aofhdf !) k|ltzt 5'6 kfpg] Joj:yf ul/Psf] .

-5_ rfn' k'FhL k|s[ltsf cNksfnLg shf{x?sf] e'QmfgL cjlw ^) lbg;Dd yk ug{

;lsg] Joj:yf ul/Psf] .

-h_ sf]le8—!( af6 ;+qmldtsf] pkrf/df ;xof]u k'¥ofpg] p2]Zon] lghL :jf:Yo

;+:yfsf] ;]jf lj:tf/ jf :t/f]Ggltsf] nflu k|jfx x'g] shf{ k|fyldstf k|fKt If]q

shf{df u0fgf ug{] Joj:yf ul/Psf] .

-em_ j}b]lzs /f]huf/Ldf hfg cg'dlt lnPsf t/ ;+qmd0fsf sf/0f hfg gkfPsf

JolQmx?n] pBf]u Joj;fo ;+rfng ug{ shf{ dfu u/]df lgj]bg lbPsf] & sfo{

lbgleq ;x'lnotk"0f{ shf{ pknAw u/fpg] Joj:yf ul/Psf] .

-`_ aGbfaGbLsf] cjlwdf RTGS dfkm{t ul/g] sf/f]af/df z'Ns gnfUg] Joj:yf

ul/Psf] . ;fy}, df]jfOn a}+lsË, OG6/g]6 a}+lsË, jfn]6 h:tf dfWodaf6 ul/g]

e'QmfgL sf/f]af/sf] ;Ldf j[l4 ul/Psf] .

cfly{s jif{ @)&&÷&* sf] kl/b[Zo

55. ;g\ @)@! df ljZj cy{tGq k'g?Tyfg x'g] cg'dfg 5 . cGt/f{li6«o d'b|fsf]ifn] ljZj

cy{tGq ;g\ @)@! Dff %=$ k|ltztn] lj:tf/ x'g] k|If]k0f u/]sf] 5 . ;g\ @)@! Dff

ljsl;t d'n'sx?sf] d'b|f:kmLlt !=! k|ltzt / pbLodfg tyf ljsf;f]Gd'v d'n'sx?sf]

d'b|f:kmLlt $=% k|ltztdf ;Lldt x'g] k|If]k0f 5 .


56. g]kfn ;/sf/n] cfly{s jif{ @)&&÷&* sf] ah]6df & k|ltzt cfly{s j[l4sf] nIo

/fv]sf] 5 . wfg /f]kfO{sf nflu dg;'g cg's'n /x]sf], s[lif shf{ lj:tf/nfO{

k|fyldstfdf /flvPsf] / >dzlQm ylkPsf sf/0f s[lif If]q la:tf/ x'g] b]lvG5 .

o;}u/L sf]le8 !( sf] ;+qmd0f rf8f] eGbf rf8f] lgoGq0fdf cfPdf pBf]u / ;]jf If]q

;d]t lj:tf/ x'g] cg'dfg 5 .

57. a}+lsË k|0ffnLdf kof{Kt t/ntf /x]sf] / shf{sf] Aofhb/ qmdzM 36\b} cfPsf] 5 .

cfly{s k'g?TyfgnlIft shf{ sfo{qmdx?af6 yk ljQLo ;fwg kl/rfng eO{ cfly{s

ultljlw lj:tf/ x'g] b]lvPsf] 5 .

58. cfly{s lqmofsnfk lj:tf/ eP;Fu} d'b|f:kmLltdf rfk kg{;Sg] ePtfklg cfGtl/s

pTkfbg clej[l4 tyf cfk"lt{ Joj:yfsf] ;'b[9Ls/0fdfkm{t d"No :yfloTj sfod /xg]

cg'dfg 5 .

59. cfly{s lqmofsnfk lj:tf/n] ult lnP;Fu} cfoft a9\g] b]lvG5 . lgof{t tyf ljk|]if0f

cfk|jfx ut cfly{s jif{s} xf/fxf/Ldf /xg] b]lvPtfklg ;/sf/sf] j}b]lzs C0f ;xof]u

kl/rfng a9\g] cg'dfgsf cfwf/df jfXo If]q Joj:yfkg ;xh x'g] cg'dfg 5 .

cfly{s jif{ @)&&÷&* sf] df}lb|s gLltsf] :j?k

sfo{lbzf

60. ;dli6ut cfly{s :yfloTj sfod /fVb} g]kfn ;/sf/sf]] cfly{s j[l4sf] nIo xfl;ndf

;xof]u k'¥ofpg df}lb|s gLltsf] hf]8 /xg] 5 .

61. ljQLo ;fwg kl/rfngnfO{ cfly{s lqmofsnfk lj:tf/, /f]huf/L l;h{gf / bLuf]

cfly{s ljsf; k|j4{g ug]{tkm{ k|f]T;flxt ul/g]5 .

62. d"No tyf afXo If]q :yfloTjdf kg{;Sg] bafanfO{ dWogh/ u/L t/ntf Joj:yfkg

ul/g]5 .

63. ljQLo If]qsf] ljsf; / :yfloTjsf nflu a}+s tyf ljQLo ;+:yfx?sf] PsLs/0f /

;'b[9Ls/0fdf hf]8 lbOg] 5 .

64. ljQLo k"jf{wf/sf] ljsf;dfkm{t ljQLo kxF'r / ;]jfsf] u'0f:t/ clej[l4 ul/g]5 .


65. e'QmfgL k|0ffnLnfO{ ;jn, ;'b[9 / ;'/lIft agfpFb} ljB'tLo e'QmfgL sf/f]af/nfO{

k|f]T;flxt ul/g]5 .

cfly{s tyf df}lb|s nIo

66. cfly{s jif{ @)&&÷&* df pkef]Qmf d'b|f:kmLlt cf};t & k|ltztleq ;Lldt x'g]u/L

df}lb|s Joj:yfkg ul/g]5 .

67. cfly{s jif{ @)&&÷&* df slDtdf & dlxgfsf] j:t' tyf ;]jf cfoft wfGg kof{Kt

ljb]zL ljlgdo ;l~rlt sfod x'g]u/L afXo If]q Joj:yfkg ul/g]5 .

68. cfly{s k'g?TyfgnfO{ k|fyldstf lbFb}] cfly{s j[l4sf] nIo xfl;n ug{ ;xof]u k'Ug]

u/L t/ntf Joj:yfkg ul/g]5 .

69. k|rlnt d"Nosf] s'n ufx{:Yo pTkfbgnfO{ df}lb|s k|If]k0fsf] cfwf/sf] ?kdf lnFb}

cfly{s jif{ @)&&÷&* df lj:t[t d'b|f k|bfosf] lj:tf/ !* k|ltzt / lghL If]qtkm{sf]

shf{ lj:tf/ @) k|ltztdf ;Lldt ug]{ k|If]k0f /x]sf] 5 .

;~rfng nIo tyf pks/0f

70. jfl0fHo a}+sx?sf] cGt/a}+s b/ df}lb|s gLltsf] ;~rfng nIosf] ?kdf /xg] u/]sf]df

jfl0fHo a}+s, ljsf; j}+s / ljQ sDkgLx?sf] efl/t cf};t cGt/a}+s b/nfO{ df}lb|s

gLltsf] ;~rfng nIosf] ?kdf lnOg] 5 .

71. Aofhb/ sl/8f]/sf] dflyNnf] ;Ldfsf] ?kdf /x]sf] :yfoL t/ntf ;'ljwf b/ %

k|ltztdf oyfjt\ sfod ul/g]5 . sl/8f]/sf] tNnf] ;Ldfsf] ?kdf /x]sf] lgIf]k

;+sng b/nfO{ @ k|ltztaf6 36fO{ ! k|ltzt / gLltut b/sf] ?kdf /x]sf]

l/kf]b/nfO{ #=% k|ltztaf6 36fO{ # k|ltzt sfod ul/g]5 .

72. cfly{s k'g?Tyfgsf nflu cfjZos yk t/ntf pknAw u/fpg cfjZostf cg';f/

nfdf] cjlwsf] l/kf] ;'ljwf pknAw u/fOg] 5 .

73. a}+s tyf ljQLo ;+:yfn] sfod ug'{kg]{ ljBdfg # k|ltztsf] clgjfo{ gub cg'kft

oyfjt\ /flvPsf]] 5 .

74. jfl0fHo a}+sn] sfod ug'{kg]{ j}wflgs t/ntf cg'kft !) k|ltzt, ljsf; a}+sn] *

k|ltzt / ljQ sDkgLn] & k|ltztnfO{ oyfjt\ sfod ul/Psf] 5 .


75. a}s tyf ljQLo ;+:yfn] clGtd C0fbftf ;'ljwfsf] ?kdf pkof]u ug]{ a}+sb/nfO{ %

k|ltztdf oyfjt\ /flvPsf] 5 .

cfly{s jif{ @)&&÷&* sf] ljQLo If]q ;DaGwL Joj:yf

shf{ ;DaGwL Joj:yf

76. sf]le8–!( ;+qmd0faf6 k|efljt cy{tGqnfO{ k'g?Tyfg ug{ s[lif, phf{, ko{6g tyf

3/]n', ;fgf Pjd\ demf}nf pBf]udf shf{ nufgL k|f]T;flxt ug]{ gLlt cjnDag

ul/g]5 . cfly{s jif{ @)&&÷&* b]lv a}+s tyf ljQLo ;+:yfn] tf]lsPsf k|fyldstf

k|fKt If]qdf ug'{kg]{ shf{ nufgL ;DaGwL Joj:yfdf ;d]t kl/dfh{g ul/Psf] 5 .

k'g/shf{sf] kxF'r ljs]lGb|t ul/Psf] 5 . ;x'lnotk"0f{ shf{ sfo{qmd k'g/;+/rgf ub}{

bfo/f km/flsnf] agfOPsf] 5 .

s[lif shf{

77. s[lif pTkfbgdf cfTdlge{/ xF'b} vfB ;'/Iff sfod ug{ / jx';+Vos g]kfnLsf] cfo

cfh{g tyf /f]huf/Lsf] cfwf/sf] ?kdf /x]sf] s[lif If]qsf] ljsf;sf nflu jfl0fHo

a}+sn] @)*) c;f/ d;fGt;Dd s'n shf{ nufgLsf] Go"gtd !% k|ltzt s[lif If]qdf

k|jfx ug'{kg]{ Joj:yf ul/g]5 . ;fy}, s[lif shf{ u0fgf ljlwdf kl/dfh{g ul/g]5 .

78. kmnk"mndf cfTdlge{/ x'g ;xof]u k'¥ofpg] u/L Jofj;flos ?kdf ul/g] cfFk, ;'Gtnf,

h'gf/, df};d, lsjL, 8«ofug k|m'6, sfutL, lnlr, Pef]sf8f] nufotsf kmnk"mn v]tLsf]

nflu lnPsf] shf{df klxnf] jif{ )=@ k|ltzt / bf];|f] jif{ )=^ k|ltzt dfq shf{

gf]S;fgL Joj:yf sfod u/] k'Ug] Joj:yf ldnfOg] 5 .

79. /]zd, h'6, skf; nufotsf s[lif v]tLsf] ljsf; u/L pBf]u;Fu cu| ;DaGw / k[i7

;DaGw :yflkt ug]{ s[lif pTkfbg clej[l4 ug]{tkm{ shf{ k|jfxnfO{ k|f]T;flxt ug{ shf{

gf]S;fgL Joj:yfdf nrstf ckgfOg] 5 .

80. hUuf PsLs/0f jf s/f/ dfkm{t Jofj;flos s[lif, pBf]u / cGo Joj:ffo ;~rfngdf

shf{ k|jfx ;xhLs/0f ug{] p2]Zon] lnh ;DklQ ;'/If0f ;DaGwL gLltut Joj:yf

ul/g]5 .

81. s[lif ljsf; a}+snfO{ s[lif If]qsf] cu'jf a}+s (Lead Bank) sf] ?kdf ljsf; ul/g]5 .

s[lif If]qdf bL3{sfnLg ;fwgsf] pknAwtf ;xh agfpg ;f] a}+sn] s[lif C0fkq


(Agricultural Bond) hf/L ug{;Sg] Joj:yf ldnfOg] 5 . o; Joj:yfn] s[lif If]qdf

yk ljQLo ;fwg kl/rfng x'g''sf ;fy} a}+s tyf ljQLo ;+:yfx?nfO{ s[lif C0fkqdf

nufgLdfkm{t tf]lsPsf] s[lif shf{ cg'kft sfod ug{ ;xh x'g] ljZjf; ul/Psf] 5 .

82. a}+s tyf ljQLo ;+:yfx?n] Ps cfk;df ub}{ cfPsf] s[lif shf{ vl/b÷laqmL (credit

swap) sf] Joj:yfnfO{ yk ;/nLs/0f ul/g]5 .

83. s[ifsnfO{ ljQLo ;fwgsf] ;fy} s[lif ;"rgf tyf hfgsf/L pknAw u/fpg s[lif

ljsf; a}+sdfkm{t æls;fg qm]l86 sf8{Æ sf] Joj:yf ul/g]5 .

84. s[lif ljsf; a}+ssf tflnd s]Gb|dfkm{t s[lif tflnd lj:tf/ ug{ cfjZos ;+:yfut

Pjd\ ;+/rgfut Joj:yf ldnfOg] 5 .

phf{ If]q shf{

85. phf{ cfTdlge{/tf k|j4{g ug{ tyf g]kfn ;/sf/n] kGw|f}+ of]hgf cjlwdf /fv]sf] %

xhf/ d]ufjf6 hnljB't\ pTkfbgsf] nIonfO{ ;xof]u k'¥ofpg jfl0fHo a}+sx?n]

@)*! c;f/ d;fGt;Dd cfˆgf] s'n shf{ nufgLsf] Go"gtd !) k|ltzt phf{ If]qdf

nufgL ug'{kg]{ Joj:yf ldnfOg] 5 .

86. phf{ If]qdf nufgLsf] cg'ej xfl;n u/]sf jfl0fHo a}+sx?n] phf{ C0fkq (Energy

Bond) hf/L ug{;Sg] Joj:yf ldnfOg] 5 . o; Joj:yfaf6 phf{ If]qdf bL3{sfnLg

;fwgsf] pknAwtf ;xh x'g'sf ;fy} phf{ If]qdf shf{ k|jfx Go"g ePsf a}+s tyf

ljQLo ;+:yfx?nfO{ phf{ C0fkqdf nufgL dfkm{t Go"gtd shf{ cg'kft sfod ug{

;xof]u k'Ug] 5 .

87. ljB't\ cfof]hgf lgdf{0f u/L ljB't\ lgof{t ug{ z'? u/]df lgof{t z'? u/]sf] % jif{;Dd

a}+s tyf ljQLo ;+:yfn] pQm kl/of]hgfnfO{ cfwf/ b/df ! k|ltzt ljGb'n] dfq yk

u/L shf{ k|fKt x'g ;Sg] Joj:yf ldnfOg] 5 .

88. hnfzoo'Qm hnljB't\ cfof]hgfdf nufgL k|f]T;flxt ug]{ p2]Zon] To:tf cfof]hgfnfO{

cfwf/ b/df ! k|ltzt ljGb'n] dfq yk u/L shf{ k|fKt x'g ;Sg] Joj:yf ldnfOg] 5 .

89. hnljB't\ cfof]hgf ;DkGg eO{ pTkfbg k|f/De u/]tfklg k|;f/0f nfO{g lgdf{0f

gePsf] sf/0f k"0f{ Ifdtfdf ;~rfng x'g g;s]sf cfof]hgfsf] xsdf k|;f/0f nfOg


lgdf{0f eO{ ;~rfngdf gcfpFbf;Ddsf] nflu Aofh /sd cf+lzs ?kdf k'FhLs/0f ug{

o; a}+ssf] :jLs[lt lng' gkg]{ Joj:yf ldnfOg] 5 .

ko{6g If]q tyf n3', ;fgf Pjd\ demf}nf pBd shf{

90. sf]le8–!( ;+s6af6 clt k|efljt xjfO p8\og Joj;fo, oftfoft, xf]6n, /]i6'/]G6

nufotsf ko{6g If]qsf pBd–Joj;fo k'g?Tyfgsf nflu rfn' k'FhL shf{,

;x'lnotk"0f{ shf{ / k'g/shf{ k|jfxdf k|fyldstf lbOg] 5 .

91. ko{6g If]q;Fu ;DalGwt lgdf{0fflwg cfof]hgfx? lgdf{0f ;DkGg ug{ k'FhLsf] cefj

x'g] ePdf To:tf cfof]hgfsf nflu a}+s tyf ljQLo ;+:yfaf6 ;xh 9+uaf6 shf{

pknAw x'g] Joj:yf ul/g]5 .

92. jfl0fHo a}+sx?n] @)*! c;f/ d;fGt;Dd n3', ;fgf Pjd\ demf}nf pBdsf If]qdf

?= ! s/f]8 eGbf sd /sdsf shf{x? cfˆgf] s'n shf{ nufgLsf] Go"gtd !% k|ltzt

x'g] u/L k|jfx ug'{ kg]{ Joj:yf ldnfOg] 5 .

;x'lnotk"0f{ shf{

93. sf]le8–!( k|sf]ksf] sf/0f cy{tGqdf k/]sf] c;/nfO{ dWogh/ /fVb} pTkfbg

clej[l4, /f]huf/L l;h{gf / pBdlzntf ljsf;sf nflu ljBdfg ;x'lnotk"0f{ shf{

sfo{qmd ;/n ?kdf sfof{Gjog x'g] Joj:yf ldnfOg] 5 . a}+s tyf ljQLo ;+:yfaf6

tf]lsPsf If]qdf o:tf] shf{ C0fLnfO{ % k|ltzt Aofhb/df pknAw x'g]5 .

94. ;x'lnotk"0f{ shf{ k|jfxdf k|b]zut ;Gt'ng sfod ug'{sf ;fy} nlIft If]q / ju{df

shf{df kx'Fr ;'lglZrt ug{] p2]Zon] jfl0fHo a}+sn] sDtLdf %)) jf Go"gtd

k|ltzfvf !) / /fli6«o :t/sf ljsf; a}sn] sDtLdf #)) jf Go"gtd k|lt zfvf %

dWo] h'g a9L x'G5 ;f]xL ;+Vofdf shf{ k|jfx ug'{kg]{ Joj:yf ul/g]5 .

ljljw

95. ljsf; a+}sn] cfˆgf] s'n shf{ nufgLsf] Go"gtd @) k|ltzt / ljQ sDkgLx?n]

Go"gtd !% k|ltzt shf{ s[lif, n3', 3/]n' tyf ;fgf pBd, phf{ / ko{6g nufot

tf]lsPsf If]qdf @)*! c;f/ d;fGt;Dddf k|jfx ug'{kg]{ Joj:yf ul/g]5 .

96. zx/L ljsf; / Jojl:yt a;f]af; k|f]T;flxt ug]{ p2]Zon] cg'dlt k|fKt 3/–hUuf

Joj;foLaf6 ;~rfng ul/g] g]kfn ;/sf/af6 :jLs[lt k|fKt lgdf{0ffwLg cfjf;


cfof]hgfsf] nflu / JolQmnfO{ klxnf] 3/ lgdf{0fsf nflu k|jfx ul/g] lghL cfjf;Lo

cfjf; shf{ (Personal Residential Home Loan) sf] xsdf shf{ ;'/If0fd"No

cg'kftsf] ;Ldf ^) k|ltzt sfod ul/g]5 .

97. 3/ hUuf tyf l/on :6]6 If]qdf k|jfx x'g] shf{sf] ;DaGwdf shf{ ;'/If0fd"No cg'kft

sf7df8f}+ pkTosf leqsf] nflu $) k|ltzt / cGo :yfgsf] xsdf %) k|ltzt

sfod ug'{kg]{ ljBdfg Joj:YffnfO{ oyfjt\ sfod ul/Psf] 5 .

98. z]o/ lwtf] /fvL k|bfg x'g] dflh{g k|s[ltsf] shf{sf] nflu shf{ ;'/If0f d"No cg'kft

ljBdfg ^% k|ltztaf6 a9fO{ ;DalGwt ljQLo ;+:yfn] d"NofÍg u/L &) Kf|ltzt;Dd

k|bfg ug{ ;Sg] Joj:yf ldnfOg] 5 .

99. z]o/ lwtf]df k|bfg x'g] dflh{g k|s[ltsf] shf{ k|jfxdf z]o/sf] d"NofÍg ubf{ ljBdfg

!*) lbgsf] clGtd d"Nosf] cf};t d"No jf z]o/sf] k|rlnt ahf/ d"NodWo] h'g sd

5 To;}sf] cfwf/df ug'{ kg]{ Joj:yfnfO{ kl/jt{g u/L !@) lbg sfod ul/Psf] 5 .

cfly{s k'g?Tyfg nlIft ljz]if sfo{qmd

k'g/shf{

100. sf]le8–!( af6 k|efljt k]zf, pBd / Joj;fosf] shf{df kx'Fr clej[l4 ub}{ cfly{s

lqmofsnfk lj:tf/sf nflu ;x'lnot Aofhb/df shf{ pknAw u/fpg / b]zsf

b'Uf{d:yfg;Dd shf{ ;'ljwf ;xh ug]{ p2]Zon] k'g/shf{ ;DaGwL ljBdfg Joj:yfdf

kl/dfh{g ub}{ k'g/shf{sf nflu pknAw sf]ifsf] % u'0ff;Dd k'g/shf{ pknAw u/fpg]

Joj:yf ul/Psf] 5 .

101. o; a}+saf6 k|bfg ul/g] s'n k'g/shf{dWo] @) k|ltzt;Dd u|fxs cg';f/ d"NofÍgsf

cfwf/df k|bfg ug]{ Joj:yf ldnfOPsf] 5 . o;jfx]s &) k|ltzt;Dd jfl0fHo a}+s,

ljsf; a}+s tyf ljQ sDkgLdfkm{t / !) k|ltzt;Dd n3'ljQ ljQLo ;+:yfdfkm{t

Psd'i7 ?kdf k|bfg ug]{ Joj:yf ul/Psf] 5 .

102. a}+s tyf ljQLo ;+:yfnfO{ ! k|ltzt Aofhb/df lgof{thGo pBf]u / ?U0f pBf]u

nufotsf tf]lsPsf If]qdf ljz]if k'g/shf{, @ k|ltzt Aofhb/df n3', 3/]n' tyf

;fgf pBd k'g/shf{ / # k|ltzt Jofhb/df tf]lsPsf If]qdf ;fwf/0f k'g/shf{ k|bfg

ul/g]5 . o:tf k'g/shf{df C0fLn] qmdzM # k|ltzt, % k|ltzt / % k|ltzt dfq

Aofh ltg'{kg]{] Joj:yf ul/Psf] 5 .


103. a+}s tyf ljQLo ;+:yfnfO{ Psd'i7 k|bfg ul/g] k'g/shf{df k|lt u|fxs n3', 3/]n' tyf

;fgf pBd k'g/shf{sf] ;Ldf ?= !% nfv, ljz]if tyf ;fwf/0f k'g/shf{sf] ;Ldf

?= % s/f]8 / u|fxs cg';f/ d"NofÍgsf cfwf/df k|bfg ul/g] ;fwf/0f k'g/shf{sf]

;Ldf ?= @) s/f]8 x'g] Joj:yf ldnfOPsf] 5 .

sf]le8–!( af6 clt k|efljt k]zf÷Joj;fo ;~rfng shf{

104. sf]le8–!( af6 clt k|efljt pBf]u–Joj;fo ;'rf? ug{ ;xhLs/0f ug]{ p2]Zon]

C0fLsf] cfjZostf / kl/of]hgf÷Joj;fosf] ;DefJotfsf] cfwf/df @)&^ r}tdf

sfod ePsf] rfn' k'FhL shf{{sf] ;Ldfdf a9Ldf @) k|ltzt;Dd ;DalGwt a}+s tyf

ljQLo ;+:yfn] yk shf{ k|jfx ug{ ;Sg] Joj:yf ldnfOg] 5 .

105. cfly{s jif{ @)&&÷&* sf] g]kfn ;/sf/sf]] ah]6df Joj:yf eP adf]lhd :yfkgf x'g]

?= %) ca{sf] sf]if kl/rfngdfkm{t lglZrt dfkb08sf] cfwf/df sf]/f]gf k|efljt

ko{6g / 3/]n', ;fgf tyf demf}nf pBd nufotsf Joj;fosf] ;~rfng Pj+d\

lg/Gt/tf, tL If]qsf >lds tyf sd{rf/Lsf] kfl/>lds e'QmfgL / clt k|efljt

If]qsf /f]huf/L u'Dg]x?nfO{ pBdlzntf ljsf;sf] cj;/ lbg a}+s tyf ljQLo

;+:yfx?af6 % k|ltzt Aofhdf shf{ pknAw u/fpg] Joj:yf ldnfOg] 5 .

shf{ e'QmfgL cjlwsf] Dofb yk, shf{ k'g/;+/rgf tyf k'g/tflnsLs/0f

106. sf]le8–!( sf] lgoGq0f / /f]syfdsf nflu rflnPsf sbdsf] sf/0f ko{6g, pBf]u,

lzIff, :jf:Yo, ;~rf/, dgf]/~hg nufot ;a} k]zf, pBf]u / Joj;fon] lnPsf]

C0fsf] ;fFjf / Aofh aGbfaGbLsf] cjlwdf e'QmfgL ug{ sl7gfO ePsf] cj:yfnfO{

b[li6ut u/L shf{ e'QmfgL cjlwsf] Dofb yk / shf{sf] k'g/;+/rgf tyf

k'g/tflnsLs/0fsf] Joj:yf ul/g]5 .

107. @)&& c;f/ dlxgf;Dd e'QmfgL cjlw ePsf l8df08 nf]g, Sof; q]ml86 nufotsf

cNksfnLg k|s[ltsf rfn' kF"hL shf{x?nfO{ a}+s tyf ljQLo ;+:yfn] C0fLsf] cj:yf

ljZn]if0f u/L @)&& k'; d;fGt;Dd e'QmfgL ug{ ;lsg]u/L gjLs/0f ug{ ;Sg]

Joj:yf ldnfOg] 5 .

108. sf]le8–!( af6 sd dfqfdf k|efljt ePsf] k]zf÷Joj;fodf k|jfx ePsf shf{sf]

@)&& c;f/ d;fGt;Ddsf] ;fFjfsf] ls:tf / Aofh /sdnfO{ @)&& k'; d;fGt;Dddf

e'QmfgL ug{ ;Sg] Joj:yf ldnfOg] 5 .


109. sf]le8–!( af6 dWod ?kdf k|efljt k]zf÷Joj;fodf k|jfx ePsf shf{sf] @)&&

c;f/ d;fGt;Dd e'QmfgL x''g'kg]{] ;fFjfsf] ls:tf / Aofh /sdnfO{ @)&& r}t

d;fGt;Dddf e'QmfgL ug{ ;Sg] Joj:yf ldnfOg] 5 .

110. sf]le8–!( jf6 clt k|efljt k]zf÷Joj;fodf k|jfx ePsf shf{sf] @)&& c;f/

d;fGt;Dd e'QmfgL x''g'kg]{] ;fFjfsf] ls:tf / Aofh /sdnfO{ @)&* c;f/

d;fGt;Dddf e'QmfgL ug{ ;Sg] Joj:yf ldnfOg] 5 . sf]le8–!( sf] sf/0f k'g:yf{lkt

x'g ;do nfUg] ko{6g If]q nufotsf clt k|efljt pBf]u Joj:ffodf /x]sf] shf{

e'QmfgLsf nflu cfjZostf cg';f/ yk ;do k|bfg ug{ ;Sg] Joj:yf ldnfOg] 5 .

111. @)&^ k'; d;fGtdf ;lqmo ju{df /x]sf shf{nfO{ C0fLn] @)&& k'; d;fGtleq

lnlvt sfo{ of]hgf k]z u/]df a}+s tyf ljQLo ;+:yfn] ;f] sf] ljZn]if0f u/L Go"gtd

!) k|ltzt Aofh c;'n pk/ u/L Ps k6ssf] nflu shf{ k'g/;+/rgf tyf

k'g/tflnsLs/0f ug{ ;Sg] Joj:yf ldnfOg] 5 .

112. clt k|efljt If]qsf kl/of]hgfdf k|jfx ePsf] shf{nfO{ k'g/;+/rgf tyf

k'g/tflnsLs/0f dfkm{t k'g?Tyfg ug{ kof{Kt gePdf cfjZostf cg';f/ ;DalGwt

lgsfox?;Fu ;dGjo u/L Private Equity, Venture Capital, Debt Equity Conversion,

Special Purpose Vehicle nufotsf dfWodaf6 k'g/;+/rgf ug{ ;lsg] Joj:yf

ldnfOg] 5 .

113. lgdf{0ffwLg k"jf{wf/ cfof]hgfdf k|jflxt shf{sf] u|]; cjlwdf kfs]sf] Aofh k'FhLs/0f

ug{ o; a}+saf6 k"j{ :jLs[lt kfO;s]sf shf{sf] xsdf @)&& k'; d;fGt;Dd

k'FhLs/0f ug{ ;lsg] Joj:yf ldnfOg] 5 .

114. sf]le8–!( sf] sf/0f u|]; cjlw leq pBf]u jf kl/of]hgfsf] lgdf{0f ;DkGg÷;+rfng

x'g g;s]sf] cj:yfdf ko{6s :t/Lo xf]6nsf] xsdf clwstd @ jif{, clt k|efljt

If]qdf k|jflxt shf{sf] xsdf ! jif{, dWod k|efljt If]qdf k|jflxt shf{sf] xsdf (

dlxgf / Go"g k|efljt If]qdf k|jflxt shf{sf] xsdf ^ dlxgf;Ddsf nflu Ps k6s

u|]; cjlw yk ug{ ;lsg] Joj:yf ldnfOg] 5 .

115. @)&& c;f/ d;fGt;Dd c;'n x'g g;s]sf] n3'ljQ ljQLo ;+:yfaf6 k|jflxt shf{sf]

ls:tf C0fLsf] cfjZostf / Joj;fo ;'rf? x'g nfUg] ;do d'NofÍg u/L a9Ldf ^

dlxgf;Dd efvf ;fg{ ;Sg] Joj:yf ldnfOg] 5 .


ljQLo If]q ;'b[9Ls/0f

116. a}+s tyf ljQLo ;+:yfx?sf] k'FhLsf] cfwf/ bl/nf] agfO{ hf]lvd jxg Ifdtf ;'b[9

t'Nofpg jfl0fHo a}+sx? Ps cfk;df ufEg], ufleg] tyf k|flKt k|lqmofnfO{ yk

k|f]T;flxt ul/g]5 .

117. @)&* c;f/;Dddf afl0fHo a}+sx?n] Ps cfk;df ufEg]÷ufleg] gLltut Joj:yf

cg'?k ;+o'Qm sf/f]af/ ;~rfng u/]df ;+o'Qm sf/f]af/ z'? u/]sf] ldltaf6 ;fljssf]

;'ljwfsf cltl/Qm @)&( c;f/;Ddsf nflu b]xfo adf]lhdsf yk ;'ljwf k|bfg

ul/g]5 .

-s_ clgjfo{ gub cg'kftdf )=% k|ltzt / j}wflgs t/ntf cg'kftdf ! k|ltzt

laGb'n] 5'6 lbOg]]] .

-v_ o; a}+saf6 tf]lsPsf] ;+:yfut d'2tL lgIf]k ;+sng :fLdfdf !) k|ltzt ljGb'n]

yk ul/g] .

-u_ o; a}+saf6 tf]lsPsf] k|lt ;+:yf lgIf]k ;+sng :fLdfdf % k|ltzt ljGb'n] yk

ul/g] .

-3_ ;+~rfns ;ldltsf ;b:o / pRr kb:y sd{rf/L kbaf6 x6]sf] sDtLdf ^

dlxgf JotLt geO{ o; a}saf6 Ohfht k|fKt cGo ;+:yfdf cfj4 x'g gkfpg]

ljBdfg k|fjwfg nfu" gx'g] .

;fy}, ;+:yfut lgIf]kstf{x?n] /fVg] a}+s cg';f/sf] lgIf]ksf] ;Ldf ;dfof]hg

ug{ ;DalGwt ;+:yfx?;Fu ;dGjo ul/g]5 .

118. Pp6} JolQm÷;d"xåf/f k|j4{g ePsf tyf Psf3/ kl/jf/ Pjd\ Joj;flos ;d"xsf]

k|ToIf jf ck|ToIf :jfldTj÷lgoGq0fdf /x]sf ;+:yfx? / Jofj;flos ;DaGw :yflkt

ePsf a}+s tyf ljQLo ;+:yfx?nfO{ Ps cfk;df ufEg÷ufleg] Joj:yf ldnfOg] 5 .

119. n3'ljQ ljQLo ;+:yfx?sf] k'FhLsf] cfwf/ ;'b[9 t'Nofpg Ps cfk;df ufEg], ufleg]

tyf k|flKt k|lqmofnfO{ k|f]T;flxt ul/g]5 .

120. ljQLo If]q;FUf ;DalGwt sfg"gx?nfO{ cfjZostf cg';f/ ;d;fdlos agfpg a}lsË

s;'/ P]g, @)^$ / ljlgd]o clwsf/ kq P]g, @)#$ sf] ;+zf]wg k|:tfj g]kfn ;/sf/

;dIf k]z ul/g]5 .


lgodg tyf ;'kl/j]If0f

121. sf]le8–!( ;+qmd0fsf sf/0f k|efljt cy{tGq k'g?Tyfg ug{ a}+s tyf ljQLo

;+:yfx?sf] ;fwg k|jfx clej[l4 ug{ shf{ ;|f]t kl/rfng cg'kft (CCD Ratio) sf]

;Ldf @)&* c;f/ d;fGt;Ddsf] nflu *) k|ltztaf6 a9fO{ *% k|ltzt sfod

ul/g]5 . shf{ ;|f]t kl/rfng cg'kft u0fgf ubf{ o; eGbf klxn] ug]{ ul/Psf ;j}

k|sf/sf ;dfof]hgx? vf/]h ul/g] 5g\ .

122. o; a}+saf6 Ohfhtkq k|fKt ;a} a}+s tyf ljQLo ;+:yfx?n] cfly{s jif{ @)&^÷&&

sf] v'b ljt/0fof]Uo d'gfkmfsf] #) k|ltzt;Dd -pQm ;+:yfsf] @)&& c;f/ d;fGtdf

sfod lgIf]ksf] efl/t cf};t Aofhb/ eGbf a9L gx'g] u/L_ dfq gub nfef+; 3f]if0ff

tyf ljt/0f ug{ kfpg] Joj:yf ul/g]5 . t/ s'n r'Qmf k'FhLsf] % k|ltzt eGbf sd

v'b ljt/0fof]Uo d'gfkmf ePsf Ohfhtkq k|fKt ;+:yfsf] gub nfef+; ljt/0fdf /f]s

nufOg] 5 .

123. Ohfht k|fKt ;+:yfn] C0fLaf6 cfly{s jif{ ;dfKt ePsf] !% lbg leq gubdf c;'n

ePsf] Aofh /sdnfO{ lgofdsLo sf]ifdf ;fg'{ gkg]{ Joj:yf /x]sf]df o:tf] cjlw

cfly{s jif{ @)&^÷&& sf] nflu () lbg sfod ul/g]5 .

124. jfl0fHo a}+sx?n] @)&& c;f/;Dd cfˆgf] r'Qmf k'FhLsf] sDtLdf @% k|ltzt C0fkq

hf/L ul/;Sg' kg]{ ;dofjlw @)&( c;f/ d;fGt sfod ul/g]]5 .

125. a}+s tyf ljQLo ;+:yfx?n] ;j{;fwf/0fsf] ;'g lgIf]ksf] ?kdf :jLsf/ ug{ ;Sg]

Joj:yfsf] sfof{Gjog ug{ ;'gsf] z'4tf dfkg ug{] nufotsf Joj:yfsf] nflu

;DalGwt lgsfox?;Fu ;dGjo ul/g]5 .

126. ljBdfg k'FhLsf]if kof{Kttf ;DaGwL Joj:yfnfO{ yk kl/is[t agfpFb} n}hfg] clek|fon]

Ohfht k|fKt qm]l86 /]l6Ë Ph]G;Laf6 ul/Psf] /]l6Ësf]] cfwf/df ;d]t shf{sf] hf]lvd

ef/ lgwf{/0f ug]{ Joj:yf ldnfOg] 5 .

127. k"jf{wf/ lgdf{0f;Fu ;DalGwt kl/of]hgfdf k|jflxt shf{sf nflu ljBdfg shf{

gf]S;fgL tyf hf]lvd ef/ lgwf{/0f ;DaGwL Joj:yf nlrnf] agfOg] 5 .

128. sf]le8–!( af6 k|efljt pBf]u k]zf Joj;fonfO{ cfjZos yk ljQLo ;'ljwf pknAw

u/fpg] clek|fon] ljQLo :yfloTjdf c;/ gkg]{ u/L ljBdfg k'FhLsf]if kof{Kttf


;DaGwL Joj:yfdf @)&* c;f/ d;fGt;Ddsf] nflu b]xfo adf]lhd yk nrstf

ckgfOg] 5 .

-s_ Countercyclical Buffer sf] Joj:yf :yug ul/Psf] 5 .

-v_ ;~rfng hf]lvd, ahf/ hf]lvd / ;du| hf]lvdsf]nflu ;'k/Lj]IfsLo ?kdf /fVg]

ul/Psf] ljBdfg clwstd yk hf]lvd ef/ % k|ltzt, # k|ltzt / %

k|ltztaf6 36fO{ qmdzM # k|ltzt, ! k|ltzt / # k|ltzt sfod ul/g]5 .

-u_ Private Equity, Debt Equity Conversion, Special Purpose Vehicle df ul/Psf]

a}+s tyf ljQLo ;+:yfsf] nufgLnfO{ k'FhLsf]if u0fgf ubf{ 36fpg' gkg]{ Joj:yf

ldnfOg] 5 .

-3_ jf;nft jflx/sf sf/f]af/df tf]lsPsf] hf]lvdef/ k'g/fjnf]sg ul/g]5 .

129. @)&^ k'; d;fGtdf lgoldt / c;n ju{df /x]sf shf{nfO{ sf]le8–!( sf] k|efjsf]

sf/0fn] sd;n x'g gk/f];\ eGg] clek|fon] shf{ juL{s/0f ;DaGwdf ljz]if Joj:yf

ldnfOg] 5 . o; cGtu{t @)&^ k'; d;fGtdf c;n ju{df /x]sf shf{nfO{ @)&&

c;f/ d;fGtdf ;d]t c;n ju{df g} juL{s/0f ug{ ;lsg] 5 . o;/L c;n ju{df

/x]tfklg @)&& c;f/ d;fGt;Ddsf] ;fFjf / Aofh c;'n x'g g;s]sf] cj:yfdf

To:tf shf{sf] nflu cfly{s jif{ @)&^÷&& sf] lx;fjdf % k|ltzt shf{ gf]S;fgL

Joj:yf sfod ug'{ kg]{5 .

130. a}+s tyf ljQLo ;+:yfsf] Stress Testing ;DaGwL dfu{bz{g kl/dfh{g u/L cGt/f{li6«o

dfkb08 cg'?ksf] agfOg] 5 .

131. jfl0fHo a}+sx?n] lgIf]k kl/rfng / shf{ k|jfx ;lxtsf] jflif{s sfo{of]hgf ;+rfns

;ldltaf6 :jLs[t u/fO{ k|To]s cfly{s jif{sf] ;fpg d;fGtleq o; a}+s ;dIf

clgjfo{ ?kdf k]z ug'{kg]{ / sfo{of]hgf sfof{Gjogsf] ;dLIff ;DalGwt a}+ssf]

;+rfns ;ldltn] q}dfl;s ?kdf ug'{kg]{ ljBdfg Joj:yf ljsf; a}+s / ljQ

sDkgLx?sf] nflu ;d]t nfu" ul/g]]5 .

132. cfly{s jif{ @)&&÷&* b]lv /fli6«o :t/sf ljsf; a}+sx?df ;dfgfGt/ ?kdf jf;n–

# sf] Joj:yf nfu" ul/g]5 .


133. a}+s tyf ljQLo ;+:yfn] ;x'lnotk"0f{ shf{ / k'g/shf{{sf] ljj/0f j]j;fO6dfkm{t

q}dfl;s ?kdf ;fj{hlgs ug'{kg]{ Joj:yf ldnfOg] 5 .

134. ;DklQ z'4Ls/0f tyf cftÍjfbL lqmofsnfkdf ljQLo nufgL lgjf/0f ;DaGwL

cGt/f{li6«o k|fjwfg cg'?k kf/:kl/s d"NofÍg ;DaGwL sfo{ ;DkGg ug{ cfjZos

;dGjo ul/g]5 . ;DklQ z'4Ls/0f tyf cftÍjfbL lqmofsnfkdf ljQLo nufgL

lgjf/0f ;DaGwL /fli6«o /0fgLltdf plNnlvt o; a}+s;Fu ;DalGwt sfo{x?sf]

k|efjsf/L sfof{Gjog ul/g]]5 .

135. ;DklQ z'4Ls/0f Pjd\ cftÍjfbL lqmofsnfkdf ljQLo nufgL lgjf/0fsf nflu

goAML System sf] bfo/fdf a}+s tyf ljQLo ;+:yfsf cltl/Qm cGo ;"rs

;+:yfx?nfO{ ;d]t cfj4 ul/g]5 .

136. ;DklQ z'4Ls/0f lgjf/0f k|0ffnLdf cfwfl/t sf/f]af/sf] hf]lvd dfkg tyf ljZn]if0f

k|efjsf/L agfpg ;'kl/j]IfsLo Ifdtf clej[l4 ul/g]5 .

n3'ljQ

137. 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 .

138. k|b]z:t/df sf/f]af/ ug]{ n3'ljQ ljQLo ;+:yfx?n] 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 .

139. 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 .

140. 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 .


141. 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 .

142. 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 .

143. :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 .

144. 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 .

e'QmfgL k|0ffnL

145. ;jn / ;'/lIft ljB'QLo e'QmfgL k|0ffnLsf] ljsf; ub}{ gub sf/f]af/ Go"gLs/0f ug{

g]kfn ;/sf/n] sfof{Gjogdf NofPsf] l8lh6n g]kfn k|m]djs{sf] dd{ cg'?k ;a}

k|sf/sf ljQLo sf/f]af/ ljB'QLo dfWodaf6 ug{ k|f]T;flxt ul/g]5 .

146. g]kfnleq x'g] ;a} k|sf/sf ljB'QLo sf/f]jf/sf] clen]v sfod u/L e'QmfgL k|0ffnLdf

yk ;xhLs/0f ug{ /fli6«o e'QmfgL :jLrsf] :yfkgf ul/g]5 .

147. e'QmfgL ;]jf ;~rfns tyf e'QmfgL ;]jf k|bfos ;+:yfx? ;~rfng ug{ o; cl3

;}4flGts ;xdlt k|bfg ul/Psf jfx]s gofF cg'dlt lbg] sfo{ :yug ul/Psf] 5 .

148. e'QmfgL ;]jf k|bfos -PSP_ sf] ?kdf cg'dlt kfPsf ;+:yfn] @)&* c;f/

d;fGt;Dddf sDtLdf # nfv u|fxs gk'¥ofPdf / dfl;s cf};t sf/f]af/ ;+Vof

slDtdf ^ nfv gk'u]df To:tf ;+:yfsf] cg'dlt vf/]h ug{ ;lsg] Joj:yf ul/g]5 .

149. ljB'QLo e'QmfgLdf Quick Response (QR) Code dfkm{t x'g] e'QmfgLnfO{ Jojl:yt ug{

dfu{bz{g hf/L ul/g]5 .

150. e'QmfgL k|0ffnLsf] ljsf; ;DaGwL ;"rsx? (Payment System Development Indicator,

PSDI) k|sfzg ul/g]5 .


151. ;/sf/L C0fkqsf] sf/f]af/ Jojl:yt ug{ ;DalGwt lgsfox?;Fu ;dGjo u/L

;/sf/L C0fkqsf] cef}ltsLs/0f ul/g]5 .

ljb]zL ljlgdo Joj:yfkg

152. Sight LC dfkm{t cf}Bf]lus sRrf kbfy{ / d]lzg/L ;/;fdfg cfoft ubf{ jfl0fHo

a}+sx¿n] kl/jTo{ ljb]zL d'b|fdf k|jfx ug]{ C0fsf] Aofhb/ ;DaGwL ljBdfg Joj:yfdf

k'g/fjnf]sg ul/g]5 . ;fy}, k|tLtkqsf] e'QmfgLnfO{ ;xhLs/0f ug{ cfjZostf

cg';f/ Sight L/C nfO{ Deferred payment x'g]u/L ljb]zL a}+sx?af6 Discount

u/fpg ;lsg] Joj:yf ul/g]5 .

153. cfoft Jofkf/df cfjZos kg]{ aLdf / 9'jfgL ;DaGwL ;]jfx? ;Dej eP;Dd g]kfnL

;]jf k|bfosaf6 lng'kg]{ u/L cfjZos gLltut Joj:yf ul/g]5 .

154. Documents Against Payment (DAP) / Documents Against Acceptance (DAA)

;DaGwL Joj:yf adf]lhd cfoft ubf{ k|bfg ul/g] ljb]zL d'b|fsf] ;6xL ;Ldf %)

xhf/ cd]l/sL 8n/ sfod ul/g]5 .

155. t];|f] d'n'saf6 8«fkm\6÷l66Lsf] dfWodaf6 a:t' cfoftubf{ Ps k6sdf a9Ldf #)

xhf/ cd]l/sL 8n/ a/fa/;Ddsf] ljb]zL d'b|fsf] ;6xL ;'ljwflbg] Joj:yf /x]sf]df

;f] ;Ldfdf j[l4u/L #% xhf/ cd]l/sL 8n/ sfod ul/g] 5 .

156. k|tLtkqdfkm{t kl/jTo{ ljb]zL d'b|fdf e'QmfgL u/L ef/taf6 cfoft ug]{] j:t'sf] bfo/f

a9fOg] 5 .

157. ;"rgf k|ljlw nufot ljljw ;]jf online jf electronic dfWodaf6 lgof{t u/L k|fKt

x'g] ljb]zL d'b|f ;DalGwt lgof{tstf{ jf ;]jf k|bfossf] ljb]zL d'b|f a}+s vftf jf

sf8{df k|fKt ug{ ;lsg] Joj:yf ldnfOg] 5 .

158. ljk|]if0f cfo cf}krfl/s dfWodaf6 leœofpg k|f]T;flxt ug]{ p2]Zon] a}+s tyf ljQLo

;+:yf / ljk|]if0f sf/f]af/ ug{ cg'dlt k|fKt ;+:yfx?n] ljk|]if0f sf/f]af/df lng] z'Ns

lgwf{/0f ;DaGwdf gLltut Joj:yf ul/g]5 . ;fy}, df]jfOn jfn]6sf] sf/f]af/

Jojl:yt u/L cf}krfl/s dfWodaf6 ljk|]if0f cfo leœofpg k|f]T;flxt ul/g]5 .

159. g]kfn ;/sf/, pBf]u ljefu cGtu{t :yflkt Psn ljGb' ;]jf s]Gb|df /x]sf] ljb]zL

ljlgdo ;xhLs/0f PsfO{nfO{ yk k|efjsf/L agfOg] 5 .


160. Jofkfl/s kmd{x¿n] ug]{ cfoftsf] xsdf o';fG; k|tLtkqsf] ljBdfg cjlw !@)

lbgaf6 a9fO{ !*) lbg sfod ul/g]5 .

161. ljb]zL d'b|f k|fKt ePkl5 g]kfnL lgof{tstf{x¿sf] gfddf clu|d e'QmfgLsf] k|df0fkq

(Advance Payment Certificate) hf/L u/L ;Sg' kg]{ ;do;Ldf ljBdfg ! dlxgfaf6

a9fO{ $ dlxgf sfod ul/g]5 .

162. g]kfnL lgof{tstf{n] ;DalGwt lgsfosf] :jLs[lt lnO{ ljb]zdf ljleGg k|bz{gL,

Jofkf/d]nf cflbdf g]kfnL j:t' laqmL u/]jfkt k|fKt gub ljb]zL d'b|f g]kfnl:yt a}+s

tyf ljQLo ;+:yfdf /x]sf] lgof{tstf{sf] ljb]zL d'b|f vftfdf ;d]t hDdf ug{ ;lsg]

Joj:yf ul/g]5 .

163. lglZrt zt{ / dfkb08sf] clwgdf /xL lglZrt /sd;Ddsf] ljb]zL nufgL jfktsf]

ljb]zL d'b|f a}+s tyf ljQLo ;+:yfx?dfkm{t :jrflnt tj/ (Automatic Route) af6

leœofpg ;Sg] Joj:yf ul/g]5 .

164. a}b]lzs nufgLdf /x]sf k"jf{wf/ ljsf; lgdf{0f;Fu ;DalGwt lgdf{0fflwg

cfof]hgfx?n] ljb]zl:yt Parent Company/Group of Companies af6 k'FhL nufgLsf]

lglZrt u'0ff;Dd tf]lsPsf] Aofhb/sf] ;Ldfleq /xL C0f lng kfpg] Joj:yf

ul/g]5 .

165. ljb]zL d'b|fsf] nufgLdf x'g ;Sg] ljlgdo hf]lvd Go"gLs/0f ug{ ljlzli6s[t ;+:yf

dfkm{t Joj;flos ?kdf x]lhË ;DaGwL sfo{ ug{ k|f]T;flxt ul/g]5 .

;+:yfut ;'zf;g, ljQLo ;fIf/tf / u|fxs ;+/If0f

166. o; a}+saf6 Ohfht k|fKt a}+s tyf ljQLo ;+:yf / cg'dlt k|fKt cGo ;+:yfx?df o;

a+}sn] hf/L u/]sf] ;+:yfut ;'zf;g ;DaGwL lgb]]{zgsf] cg'kfngfdf z"Go ;xglzntf

ckgfOg] 5 .

167. sf]le8 !( sf] sf/0f ldtJolotf sfod ug'{ kg]{ cj:yfnfO{ b[li6ut u/L a}+s tyf

ljQLo ;+:yfsf k|d'v sfo{sf/L clws[t nufot pRr kb:y sd{rf/Lsf] kfl/>lds

tyf ;'ljwf ;DaGwL Joj:yfdf k'g/fjnf]sg ul/g]5 . To;}u/L, ;~rfns ;ldltsf]

j}7s eQf tyf ;'ljwf lgwf{/0f ;DaGwdf dfkb08 th"{df ul/g]5 .


168. ;j{;fwf/0fsf] a}+lsË ;]jf;Fu ;DalGwt lh1f;f, u'gf;f tyf ;'emfj o; a}+ssf]

j]j;fO6df 5'§} kf]6{ndfkm{t ;d]t Kf|fKt ug]{ Joj:yf ul/g]5 . o; a}+sdf :yflkt

ljQLo u|fxs ;+/If0f OsfOdfkm{t ;a} k|sf/sf u'gf;f tyf ;'emfjx?sf] sfof{Gjog

x'g] Joj:yf ldnfOg] 5 .

169. ljQLo ;fIf/tf sfo{qmdnfO{ k|efjsf/L agfpFb} ljQLo ;]jfsf] dfu clej[l4 ug{ o;

a}+saf6 tof/ kfl/Psf] ljQLo ;fIf/tf 9fFrf (Financial Literacy Framework) sf]

sfof{Gjog ul/g]5 .

170. a}+s tyf ljQLo ;+:yfnfO{ ljQLo ;fIf/tf clej[l4 ug{] sfo{df yk pQ/bfoL agfpFb}

;x'lnotk"0f{ shf{, k'g/shf{, ;kmf gf]6 gLlt, ljB'tLo e'QmfgL ;]jf nufotsf o;

a}+sn] hf/L u/]sf gLltut Joj:yf Pjd\ sfo{qmdx?sf] k|j4{gdf kl/rfng u/fOg]

5 .

171. a}+s tyf ljQLo ;+:yfn] u|fxs;Fu lng] ;]jf z'Nsx?nfO{ yk Jojl:yt / kf/bzL{

agfpg jfl0fHo a}+s, ljsf; j}+s, ljQ sDkgL / n3' ljQ ljQLo ;+:yfn] shf{

:jLs[lt ubf{ ;]jf z'Ns jfkt qmdzM clwstd )=&% k|ltzt, !=)) k|ltzt, !=@%

k|ltzt / !=%) k|ltzt;Dd dfq lng kfpg] Joj:yf ul/g]5 .

172. a}+s tyf ljQLo ;+:yfx?sf] nflu cfjZos u|fxs klxrfg ljj/0f (Know Your

Customer) PsLs[t ?kdf pknAw u/fpg] Joj:yf ldnfOg] 5 .

173. sf]le8 !( sf] sf/0fn] ;fFjf jf Jofhsf] e'QmfgL Dofb yk u/]jfkt u|fxsaf6 Kf]gfn

Aofh, z'Ns jf xhf{gf lng gkfOg] Joj:yf ul/g]5 .

174. a}+s tyf ljQLo ;+:yfsf ATM sf] sf/f]af/ aLr cGt/cfj4tf x'g] Joj:yf ul/g]5 .

sf]le8 !( sf] c;/ /x];Ddsf] nflu Ps ;+:yfsf] ATM sf8{ csf]{ ;+:yfsf] ATM df

k|of]u u/]df z'Ns gnfUg] Joj:yf ldnfOg] 5 .

175. o; a}saf6 Ohfhtkq k|fKt a}+s tyf ljQLo ;+:yfx?n] ;+:yfut ;fdflhs

pQ/bfloTjdf ug]{ vr{ ;DaGwL gLltut Joj:yfdf k'g/fjnf]sg ul/g]5 . a}+s tyf

ljQLo ;+:yfx?sf] cfly{s jif{ @)&^÷&& sf] c;f/;Dd vr{ x'g afFsL /sd g]kfn

;/sf/n] :yfkgf u/]sf] sf]/f]gf ;+qmd0f /f]syfd, lgoGq0f / pkrf/ sf]ifdf hDdf ug'{

kg]{ Joj:yf ul/g]5 .


cGTodf,

176. df}lb|s gLltsf] sfof{Gjogaf6 ;dli6ut cfly{s tyf ljQLo :yfloTj sfod /fVb}

cy{tGqsf] k'g?Tyfgdf ;xof]u k'Ug] ljZjf; ul/Psf] 5 . sf]le8–!( n] cy{tGqdf

cgk]lIft r'gf}tL l;h{gf u/]sf] ePtfklg cfGtl/s pTkfbg a9fpFb} cfoft Joj:Yffkg

ug]{ / ljB'tLo e'QmfgL k|j4{g ug]{ cj;/ ;d]t k|fKt ePsf] 5 . ljQLo kx'Frsf]

clej[l4;Fu} ljQLo ;fwg pTkfbg clej[l4, /f]huf/L l;h{gf / pBdzLntf ljsf;df

k|f]T;flxt x'g] ljZjf; /x]sf] 5 .

177. g]kfn /fi6« a}+sn] q}dfl;s ?kdf df}lb|s gLltsf] ;dLIff ug]{ ePsf]n] cy{tGqsf]

;dli6ut l:ylt / kl/b[Zo cg'?k df}lb|s pks/0f / lgofdsLo Joj:yfx?df

;dfof]hg ub}{ df}lb|s gLltnfO{ ultzLn -dynamic_ agfOg] 5 .

178. k|:t't df}lb|s gLlt th'{dfsf] qmddf ;xof]u k'¥ofpg] g]kfn ;/sf/, a}+s tyf ljQLo

;+:yf, Jofj;flos ;+3–;+:yf, ljåt\ ju{, ;~rf/ dfWod nufot ;a}df g]kfn /fi6«

a}+s xflb{s wGojfb 1fkg ub{5 . df}lb|s gLltdf Joj:yf ePsf gLlt tyf

sfo{qmdx¿sf] sfof{Gjogdf ;bfem}+ ;a}sf] ;xof]u k|fKt x'g] o; a}+ssf] ljZjf; /x]sf]

5 .

***

cg';"rL !


cg';"rL @

cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] nIo / k|ult ljj/0f

qm=;+= a'Fbf g+= nIo÷sfo{qmd sfof{Gjog l:ylt

1. ^@ df}lb|s gLltsf] k|d'v nIosf] ?kdf /x]sf] d""No :yfloTj sfod ug{

pkef]Qmf d'b|f:kmLlt ^ k|ltztsf] ;Ldfleq /fVg] .

cfly{s jif{ @)&^÷&& sf] !! dlxgfdf cf};t pkef]Qmf

d'b|f:kmLlt ^=# k|ltzt /x]sf] .

2. ^# cfly{s jif{ @)&^÷&& df sDtLdf & dlxgfsf] j:t' tyf ;]jf

cfoft wfGg kof{Kt x'g] ljb]zL ljlgdo ;l~rlt sfod ug{] .

@)&& h]7 d;fGtdf ljb]zL ljlgdo ;l~rlt ?= !#)^

ca{ $^ s/f]8 sfod /x]sf] . pQm ;l~rlt !!=&

dlxgfsf] j:t' tyf ;]jf cfoft wfGg kof{Kt /x]sf] .

3. ^$ g]kfn ;/sf/sf] ah]6df plNnlvt *=% k|ltztsf] xf/fxf/Ldf

cfly{s j[l4 xfl;n ug{ ;xof]u k'Ug] u/L df}lb|s Joj:yfkg ul/g] .

k|fyldstf k|fKt If]qdf ;fwg kl/rfng a9]sf], a}+lsË

k|0ffnLdf t/ntf ;xh /x]sf] / shf{sf] Aofhb/ qmdzM

36\b} uPsf] .

4. ^% lj:t[t d'b|fk|bfosf] lj:tf/nfO{ !* k|ltztsf] ;Ldfleq sfod ug]{ . jflif{s ljGb'ut cfwf/df @)&& h]7 d;fGtdf lj:t[t

d'b|fk|bfo !&=% k|ltztn] j[l4 ePsf] .

5. ^% cfGtl/s shf{ lj:tf/ @$ k|ltztdf / lghL If]qtkm{sf] shf{ j[l4

@! k|ltztdf ;Lldt ug]{ .

jflif{s ljGb'ut cfwf/df @)&& h]7 d;fGtdf cfGtl/s

shf{ !^=( k|ltztn] / df}lb|s If]qsf] lghL If]qdflysf]

bfaL !# k|ltztn] j[l4 ePsf] .

6. ^& df}lb|s Joj:yfkgsf] k|d'v pks/0fsf] ?kdf /x]sf] v'nf ahf/

sf/f]af/ ;+rfngsf nflu a}+s tyf ljQLo ;+:yfx?n] o; a}+sdf

/fVg'kg]{ clgjfo{ gub cg''kft afx]ssf] clws t/ntfnfO{ cg'udg

ub}{ a}+sx?sf] cGt/ a}+s sf/f]af/ b/nfO{ ;~rfng nIosf] ?kdf

lnOg] .

sfofGjog eO/x]sf] .

7. ^( Aofhb/ sl/8f]/sf] dflyNnf] ;Ldfsf] ?kdf :yfoL t/ntf ;'ljwf b/

^ k|ltzt, gLltut b/sf] ?kdf l/kf] b/nfO{ $=% k|ltzt / tNnf]

;Ldfsf] lgIf]k ;+sng b/nfO{ # k|ltzt sfod ul/Psf] .

ldlt @)&^÷)%÷!* df sl/8f]/ ;DaGwL sfo{ljlw

;+zf]wg eO{ nfu"" ul/Psf] .

8. ^( Aofhb/ sl/8f]/ cGtu{tsf] l/kf] ;'ljwf Overnight cfwf/df tyf

lgIf]k ;+sng ;'ljwf Ps xKtfsf nflu k|bfg ug]{ Joj:yf ldnfOg] .

ldlt @)&^÷)%÷!* df Aofhb/ sl/8f]/ ;DaGwL

sfo{ljlw ;+zf]wg eO{ nfu"" ul/Psf] .

9. &@ clGtd C0fbftf ;'ljwf b/sf] ?kdf /x]sf] a}+sb/nfO{ ^=%

k|ltztaf6 ^ k|ltzt sfod ul/g] .

@)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf] .



10. &# o; a}+sn] k|bfg ug]{] ;fwf/0f k'g/shf{ b/nfO{ $ k|ltztaf6 #

k|ltzt sfod ul/g] .


11. &$ a}+s tyf ljQLo ;+:yfx?n] ;fwf/0f k'g/shf{ pkof]u ug]{ C0fLaf6

a9Ldf & k|ltzt;Dd Aofh lng kfpg] Joj:yf ul/g] .


12. &% o; a}+sn]] ;fgf tyf demf}nf pBdsf nflu c;n shf{sf] lwtf]

;'/If0fdf k|bfg ub}{ cfPsf] ? !) nfv;Ddsf] k'g/shf{sf] ljBdfg

b/nfO{ % k|ltztaf6 36fO{ # k|ltzt sfod ul/g]5 eg] a}+s tyf

ljQLo ;+:yfx?n] C0fLaf6 lng;Sg] ljBdfg Aofhb/nfO{ !)

k|ltztaf6 36fO{ & k|ltzt sfod ul/g] .


13. &* a}+s tyf ljQLo ;+:yfx?n] ljb]zaf6 C0f k|fKt ug{;Sg] ;|f]tsf]

bfo/f lj:tf/ ub}{ a}+lsË If]qsf cltl/Qm k]G;g kmG8, x]h kmG8

nufotsf ;|f]taf6 ;d]t C0f Nofpg ;Sg] Joj:yf ul/g] . o;/L

k|fKt ;|f]tsf] pkof]usf If]qx? ;d]t lj:tf/ ul/g] .

@)&^÷)%÷@# df lgb]{zg hf/L ul/Psf]] .

14. &( a}+s tyf ljQLo ;+:yfx?n] kl/jTo{ ljb]zL d'b|fdf C0f lng ;Sg]

ljBdfg Joj:yf cGtu{t C0fsf] Aofhb/ ^ dlxgfsf] LIBOR b/df

yk # k|ltztleq x'g'kg]{ k|fjwfg /x]sf]df o:tf] Aofhb/ LIBOR

b/df yk $ k|ltztleq x'g;Sg]] Joj:yf ul/g] .

@)&^÷)%÷@# df lgb]{zg hf/L ul/Psf]] .

15. *) a}+s tyf ljQLo ;+:yfx?n] ;+:yfut ljb]zL lgIf]kstf{ tyf u}/–

cfjf;Lo g]kfnLx?af6 slDtdf klg @ jif{ cjlw ePsf] ljb]zL d'b|f

d'2tL lgIf]k ;+sng ug{ ;Sg] / o:tf] lgIf]ksf] ztk|ltzt;Dd

g]kfnL d'b|fdf shf{ k|jfx ug{ kfpg] Joj:yf ul/g] .

@)&^÷)%÷!# df lgb]{zg hf/L ul/Psf]] .

16. *! a}+s tyf ljQLo ;+:yfx?n] :jb]zL d'b|fdf lgIf]k ;+sng ubf{ Ps

;+:yfaf6 ;+slnt lgIf]k cfˆgf] s'n :jb]zL d'b|f lgIf]ksf] clwstd

!) k|ltzt sfod ug'{kg]{ Joj:yf ul/g] . s'n :jb]zL d'b|f lgIf]kdf

;+:yfut lgIf]ksf] c+z %) k|ltzt;Dd x'g;Sg] ljBdfg Joj:yfnfO{

oyfjt\ /flvPsf] .

@)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] . @)&& h]7

d;fGtdf a}+s tyf ljQLo ;+:yfsf] s'n lgIf]kdf ;+:yfut

lgIf]ksf] c+z $% k|ltzt /x]sf] .

17. *@ jfl0fHo a}+sx?n] @)&& c;f/ d;fGtleq cfˆgf] r'Qmf k'FhLsf]

Go"gtd @% k|ltzt a/fa/ clgjfo{ ?kdf C0f kq hf/L ug'{kg]{

Joj:yf ul/g] .

@)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] . cfly{s jif{

@)&^÷&& df !@ jfl0fHo a}+saf6 C0fkqdfkm{t ?= @^

ca{ ( s/f]8sf] ;fwg kl/rfng ePsf] .



18. *# a}+sx?n] hf/L u/]sf] C0fkqsf] ztk|ltzt /sd shf{ k|jfxsf nflu

pkof]u ug{ ;Sg] Joj:yf ul/g] .

@)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .

19. *$ g]kfnL gful/s;Fu /x]sf] ;'g a}+sdf lgIf]ksf] ?kdf hDdf ug{ ;Sg]

ljifodf gLltut Joj:yf ul/g] .

a}+sdf ;'g lgIf]k /fVg kfpg] ;DaGwdf sfo{ljlw tyf/

u/L ldlt @)&^÷!!÷@@ ut] lgb]{zg hf/L eO;s]sf] .

20. *% JolQmut k|s[ltsf shf{, 3/ shf{ tyf xfo/ kr]{h shf{ nufotsf

ls:tf e'QmfgLdf cfwfl/t u}/–Jofj;flos shf{ k|jfx ubf{ C0f

e'QmfgL cfDbfgL cg'kft (Debt Service to Gross Income Ratio-

DTI) sf] clwstd ;Ldf sfod ul/g] .

ldlt @)&^÷)(÷)* df lgb]{zg hf/L ul/Psf] / o;

;DaGwL Joj:yfdf lgoldt cg'udg eO/x]sf] .

21. *^ a}+s tyf ljQLo ;+:yfn] 5'§f 5'§} jf Psd'i6 u/L ?= ! s/f]8 jf ;f]

eGbf a9L shf{ k|jfx ubf{ clgjfo{ ?kdf :yfoL n]vf gDa/ (PAN)

lng'kg]{ Joj:yf /x]sf]df o:tf] ;Ldf ? %) nfv sfod ul/g] .


22. *( k"jf{wf/ ljsf; a}+sn] kl/of]hgf 5gf}6 ubf{ ug'{kg]{ nufgLsf] Go"gtd

;Ldf ?= #) s/f]8 sfod ul/g] .


23. () tf]lsPsf k|fyldstf k|fKt If]qx?df ;x''lnotk""0f{ shf{ pknAw xf];\

eGg] p2]Zon] o; a}+sn] :yfkgf u/]sf] k''g/shf{ sf]ifsf] ;~rfng

sfo{ljlw hf/L ul/g] .

ldlt @)&^÷)(÷@( df sfo{ljlw hf/L ul/Psf] .

24. (! o; a}+sn] k|bfg ug]{ k'g/shf{ ;'ljwfsf] pkof]udf k|fb]lzs ;Gt'ng

sfod ug{ o; a}+ssf k|b]z l:yt sfof{nox?n] k'g/shf{sf] lgj]bg

;+sng u/L cfjZos ;dGjo / l;kmfl/z ug]{ Joj:yf ldnfOg] 5 .

k'g/shf{ sfo{ljlwdf pQm Joj:yf ;dfj]z ul/Psf] .

25. (! k'g/shf{ ;'ljwf k|fKt ug]{ C0fLsf] gfdfjnL ;fj{hlgs ug]{ Joj:yf

ul/g] .

cfly{s jif{ @)&^÷&& df k'g/shf{ ;'ljwf k|fKt ug]{

C0fLsf] gfdfjnL o; a}+ssf] j]a;fO6df ;fj{hlgs

ul/Psf] .

26. (@ cf}Bf]lus Joj;fo P]g, @)&# df pNn]v ePsf clt cljsl;t /

cljsl;t If]qsf tf]lsPsf pTkfbgd"ns pBf]usf nflu ;fwf/0f

k'g/shf{ pknJw u/fpg] Joj:yf ul/g] .


27. (# æ;x'lnotk"0f{ shf{df k|bfg ul/g] Aofh cg'bfg ;DaGwL sfo{ljlw,

@)&%Æ adf]lhd k|jfx ul/g] shf{nfO{ k|efjsf/L agfOg] .

sfo{ljlw kl/dfh{g ul/g'sf ;fy} cg'kfngf l:yltsf]

lgoldt cg'udg eO/x]sf] .



28. ($ a}+s tyf ljQLo ;+:yfx?n] C0fLaf6 ;x'lnotk"0f{ shf{sf] Aofh

c;'npk/ ubf{ C0fLn] kfpg] Aofh cg'bfg 36fP/ dfq c;'npk/

ug'{kg]{ Joj:yfnfO{ k|efjsf/L agfOg] .

lgoldt cg'udgdfkm{t pQm Joj:yf k|efjsf/L

agfOPsf] .

29. (^ cGt/ a}+s ;fk6L /sdnfO{ shf{÷;|f]t kl/rfng cg'kft u0fgf ug]{

k|of]hgdf ;dfj]z ug{] Joj:yfnfO{ k'g/fjnf]sg ul/g]


30. (& ljQLo If]q ljsf; /0fgLltn] shf{ / lgIf]ksf] Aofhb/ aLrsf] cGt/

cfly{s jif{ @)&&÷&* ;Dd $=$ k|ltzt eGbf sd ePsf] x'g'kg]{

Joj:yf u/]sf] ;Gbe{df jfl0fHo a}+sx?n] shf{ / lgIf]ksf] efl/t

cf};t Aofhb/ cGt/ @)&& c;f/ d;fGt;Dd $=$ k|ltztdf

NofO;Sg'kg]{ Joj:yf ul/g] .

@)&^÷)$÷@@ df lgb]{zg hf/L ePsf] . @)&& h]7

d;fGtdf jfl0fHo a}+sx?sf] shf{ / lgIf]ksf] efl/t

cf};t Aofhb/ cGt/ $=@^ k|ltzt sfod ePsf] .

31. (* ?= !% nfv;Ddsf] s[lif, pBd tyf Joj;fo k|j4{g shf{ k|jfx ubf{

a}+s tyf ljQLo ;+:yfn] cfwf/ b/df @ k|ltzt;Dddfq yk u/L

C0fsf] Aofh tf]Sg kfpg], s'g} k|sf/sf] ;]jf z'Ns lng gkfpg] /

;do cufj} shf{ e'QmfgL u/]df clu|d e'QmfgL z'Ns lng gkfOg]

Joj:yf ul/g] .

@)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] ;fy} o;sf]

lg/Gt/ cg'udg eO/x]sf] .

32. (* a}+s tyf ljQLo ;+:yfsf k|To]s zfvfn] ?= !% nfv;Ddsf] s[lif,

pBd tyf Joj;fo shf{ lgj]bg k|fKt ePsf] ;ft lbg leq :jLs[t

ug'{kg]{ / :jLs[t x'g g;Sg] ePdf ;f]sf] k|i6 sf/0f ;d]t ;DalGwt

u|fxsnfO{ hfgsf/L lbg'kg]{ Joj:yf ul/g] .

@)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] ;fy} o;

Joj:yfsf] lg/Gt/ cg'udg eO/x]sf] .

33. !)@ jfl0fHo a}+sx? Ps cfk;df ufEg]÷ufleg] jf k|flKt k|lqmofdf ;+nUg

eO{ @)&& c;f/ d;fGtleq PsLs[t sf/f]af/ ;+rfng u/]df ljBdfg

Joj:yf cg';f/ pknAw x'g] ;x'lnotsf cltl/Qm b]xfo adf]lhdsf

yk ;x'lnot k|bfg ug]{ Joj:yf ul/g] .

-s_ s[lif, phf{ / ko{6g If]qdf tf]lsPsf] shf{ k'¥ofpg' kg]{ cjlw

@)&* c;f/ d;fGt sfod ul/g] .

-v_ shf{ / lgIf]kaLrsf] Aofhb/ cGt/ $=$ k|ltzt sfod ug'{kg]{

cjlw @)&* c;f/ d;fGt sfod ul/g] .

-u_ zfvf lj:tf/ ug{ o; a}+ssf] :jLs[lt lng' gkg]{ .

ldlt @)&^÷)$÷@@ / ldlt @)&^÷)(÷)* df lgb]{zg

hf/L ul/Psf] .

cfly{s jif{ @)&^÷&& df @ jfl0fHo a}+sx? dh{/

k|lqmofdf ;+nUg ePsf] .



-3_ ;+rfns ;ldltsf ;b:o, k|d'v sfo{sf/L clws[t tyf gfoj

k|d'v sfo{sf/L clws[t kbaf6 x6]sf] slDtdf ^ dlxgf JotLt

geO{ o; a}+saf6 Ohfhtkq k|fKt cGo ;+:yfdf ;+rfns jf

cGo s'g} klg x}l;otdf sfd ug{ gkfpg] ljBdfg k|fjwfg

nfu' gx'g] .

-ª_ r'Qmf k'FhLsf] @% k|ltzt a/fa/ C0fkq hf/L ul/;Sg' kg]{

cjlw @)&* c;f/ d;fGt sfod ul/g] .

34. !)# Ps eGbf a9L a}+s tyf ljQLo ;+:yfdf lglZrt k|ltzt eGbf a9L

;]o/ :jfldTj x'g] ;]o/wgLx? ePsf a}+s tyf ljQLo ;+:yfnfO{

ufEg]÷ufleg] / k|flKtdf k|fyldstfdf /fvL dh{/df n}hfg] ;DaGwdf

cfjZos Joj:Yff ldnfOg] .

cWoog eO/x]sf] .

35. !)$ k|0ffnLut?kdf dxTjk"0f{ a}+s (Systemically Important Bank) sf]

lgodg tyf ;'kl/j]If0fsf nflu 5'§} Joj:yf ul/g] .

cWoog eO/x]sf] .

36. !)% lnlhË ;DaGwL sfg"g th'{df k|lqmof cufl8 a9fOg] . lnlhË kmfOgfG; ;DaGwL sfg"gsf] d:of}bf tof/ eO{

5nkmnsf] qmddf /x]sf] .

37. !)^ ljQLo ;]jfsf u|fxssf] lxt ;+/If0fsf] nflu ljQLo u|fxs ;+/If0f

;DaGwL sfo{ljlw tof/ ul/g] .

d:of}bf tof/ eO{ :jLs[ltsf] qmddf /x]sf] .

38. !)^ lgIf]kstf{ / C0fLsf] u'gf;f] Joj:yfkg ub}{ ljQLo If]qk|lt

;j{;fwf/0fsf] ljZjf; clej[l4 ug{ o; a}+sdf ljQLo u|fxs ;+/If0f

OsfO{ (Financial Consumer Protection Unit) :yfkgf ul/g] .

o; a}+sdf /x]sf] u'gf;f] ;'g'jfO{ OsfO{nfO{ ljQLo u|fxs

;+/If0f OsfO{sf] ?kdf ?kfGt/0f ul/Psf] .

39. !)& :yfgLo txsf ;a} ^&$# j8f;Dd g} ljQLo ;]jfsf] kxF'r k'¥ofpg

a}+s zfvf gePsf j8fx?df zfvf /lxt a}+s vf]Ng o; a}+ssf]

:jLs[lt lng' gkg]{ Joj:yf ul/g] .

@)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] . @)&^ c;f/

d;fGtdf zfvf/lxt a}+lsË s]Gb| ;+Vof !%#) /x]sf]df

@)&& h]7 d;fGtdf !^#@ k'u]sf] .

40. !)* a}+s tyf ljQLo ;+:yfn] u|fxsnfO{ k|bfg ug]{ ;]jf ;DaGwL hfgsf/L

Audio Notice Board af6 ;d]t lgMz'Ns ?kdf pknAw u/fpg' kg]{

Joj:yf ul/g] .


41. !)( a}+s tyf ljQLo ;+:yfx?sf a]j;fO6dfkm{t ;fj{hlgs x'g] ;fdu|Lx?

g]kfnL efiffdf ;d]t /fVg'kg]{ Joj:yf ul/g] .




42. !!) ;DklQ z'4Ls/0f Pjd\ cftÍjfbL lqmofsnfkdf ljQLo nufgL

lgoGq0fsf nflu goAML System sf] k|efjsfl/tf clej[l4 ug{ ljsf;

a}+s tyf ljQ sDkgLx?n] ;d]t sf]/–a}+lsË ;ˆ6j]o/af6 ;f]e}m goAML Software df ljj/0fx? cknf]8 ug'{kg]{ Joj:yf ul/g] .

@)&^÷)(÷)* df lgb]{zg hf/L ul/Psf] .

43. !!! shf{ ;"rgfsf] u'0f:t/ ;'wf/sf nflu a}+s tyf ljQLo ;+:yfx?n]

shf{ ;"rgf s]Gb|df pknAw u/fpg' kg]{ shf{ ;DaGwL ljj/0fsf]

lgoldt cg'udg ug]{ Joj:yf ul/g] .

:ynut lg/LIf0fsf] qmddf lgoldt cg'udg eO/x]sf] .

44. !!@ jfl0fHo a}+s, ljsf; a}+s / ljQ sDkgLn] ;d]t n3'ljQ ;DaGwL

sf/f]af/ u/]sf] eP To:tf] sf/f]af/sf] 5'§} ;"rgf shf{ ;"rgf s]Gb|nfO{

lbg'kg]{ Joj:yf ul/g] .


45. !!# a}+s tyf ljQLo ;+:yfx?n] cfˆgf sd{rf/Lx?sf] bIftf clej[l4sf

nflu tf]lsPsf] vr{ /sd ;f]xL k|of]hgdf vr{ ug'{kg]{ Joj:yfnfO{

lg/Gt/tf lb+b} sd{rf/Lx?nfO{ clgjfo{ ?kdf k|df0fLs[t kf7\oqmddf

cfwfl/t cled'vLs/0f ;DaGwL k|df0fkq lng'kg]{]{ Joj:yf ul/g] .

sfof{Gjogdf /x]sf] .

46. !!$ a}+s tyf ljQLo ;+:yfn] sfod ug'{ kg]{ shf{ ;|f]t cg'kftsf]

cg'udgnfO{ k|efjsf/L agfpFb} tf]lsPsf] cg'kft pNn+3g ug]{ a}+s

tyf ljQLo ;+:yfnfO{ sf/afxL ug]{ Joj:Yff ul/g] .

Kf|efjsf/L ?kdf cg'udg eO/x]sf] / pNn+3g ug]{

;+:yfnfO{ sf/afxL ug]{ ul/Psf] .

47. !!% ;dli6ut ljj]szLn lgodgsf] ?kdf Countercyclical Buffer

;DaGwL Joj:yfsf] k|efjsf/L sfof{Gjog ul/g] .

@)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] . sf]le8–!( sf]

sf/0f @)&^÷!@÷!^ af6 of] Joj:yf :ylut ul/Psf] .

48. !!% Liquidity Coverage Ratio/Net Stable Funding Ratio ;DaGwL

dfkb08 hf/L ul/g] .

cWoog eO/x]sf] .

49. !!^ g]kfnsf a}+s tyf ljQLo ;+:yfsf] ljb]zdf zfvf vf]Ng gLltut

Joj:yf ul/g] .

o; ;DaGwL gLltut Joj:yf /x]sf] .

50. !!^ ljb]zL a}+ssf] g]kfndf k|ltlglw÷zfvf sfof{no :yfkgf ug]{ gLltut

Joj:yfdf k'g/fjnf]sg ul/g] .

k'g/fjnf]sgsf] sfo{ cl3 a9fOPsf] .

51. !!& ljsf; a}+s tyf ljQ sDkgLx?df Basel II k"0f{?kdf nfu" ul/g] . @)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] .

52. !!& ljsf; a}+s tyf ljQ sDkgLx?df Stress Testing ug]{ Joj:yf

ldnfOg] .




53. !!* jfl0fHo a}+sx?n] k|To]s cfly{s jif{sf nflu lgIf]k bfloTj tyf shf{

;fk6 ;lxtsf] jflif{s sfo{of]hgf ;+rfns ;ldltaf6 :jLs[t u/fO{

o; a}+sdf k]z ug'{kg]{ Joj:yf /x]sf]df o:tf] sfo{of]hgfsf] ;+rfns

;ldltn] q}dfl;s ?kdf ;dLIff u/L o; a}+sdf k]z ug'{kg]{

Joj:yfnfO{ k|efjsf/L agfOg] .

@)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] ;fy} o;sf]

cg'udg eO/x]sf] .

54. !!( k"jf{wf/ ljsf; a}+sn] ;d]t cfˆgf] jflif{s sfo{of]hgf k|To]s cfly{s

jif{sf] ;fpg d;fGtleq o; a}+sdf k]z ug'{kg]{ Joj:yf ul/g] .


55. !@) a}+s tyf ljQLo ;+:yfx?sf] ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf

hDdf ePsf] /sdsf] Go"gtd !) k|ltzt k|To]s k|b]zdf vr{ ug'{kg]{

Joj:yfnfO{ lg/Gt/tf lb+b} pQm sf]ifaf6 x'g] vr{nfO{ yk Jojl:yt /

kf/bzL{ agfOg] .

vr{ ug]{ Joj:yf sfof{Gjogdf /x]sf] .

56. !@! a}+s tyf ljQLo ;+:yfn] shf{ k|jfxsf qmddf C0fL :jod\n] 5gf}6

u/]sf] aLdf sDkgLaf6 dfq shf{sf] ;'/If0f :j?k /flvPsf] ;DklQsf]

aLdf u/fpg' kg]{ / shf{;Fu k|ToIf ?kn] ;DalGwt aLdf kf]ln;L

afx]s cGo s'g} klg k|sf/sf] aLdf kf]ln;L laqmL ug{ gkfpg]

Joj:yf ul/g] .


57. !@@ n3'ljQ ljQLo ;+:yfx?n] dxfgu/kflnsf, pk–dxfgu/kflnsf /

lhNnf ;b/d'sfd afx]s gu/kflnsf / ufpFkflnsf If]qdf Ps zfvf

:Yffkgf u/]kZrft\ dfq pkdxfgu/kflnsf jf lhNnf ;b/d'sfddf

Ps zfvf :Yffkgf ug{ ;lsg] Joj:yf ldnfOg] .


58. !@# n3'ljQ ljQLo ;+:yfx?n] clgjfo{ ?kdf Ps ltxfO shf{ s[lif If]qdf

k|jfx ug'{kg]{ Joj:yf ldnfOg] .

@)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] . @)&^ r}t

d;fGtdf n3'ljQ ljQLo ;+:yfaf6 s[lif If]qdf cfˆgf]

s'n shf{sf] $!=& k|ltzt k|jfx ePsf]] .

59. !@$ n3'ljQ ljQLo ;+:yfsf nflu Stress Testing ;DaGwL dfu{bz{g hf/L

ul/g] .

dfu{bz{g th'{dfsf] qmddf /x]sf] .

60. !@% Ps cfk;df ufEg]÷ufleg] jf k|flKt x'g] n3'ljQ ljQLo ;+:yfx?nfO{

b]xfo adf]lhdsf yk ;x'lnot k|bfg ug]{ Joj:yf ldnfOg] M

-s_ Psn u|fxs shf{ ;Ldf gf3]sf] C0fLsf] shf{nfO{ ;Ldf leq

Nofpg ;do yk ug]{,

@)&^÷)$÷@@ df lgb]{zg hf/L ul/Psf]] . cfly{s jif{

@)&^ ÷&& df !( n3'ljQ ljQLo ;+:yf ufEg]÷ufleg] jf

k|flKt x'g] k|lqmofdf ;fd]n eO{ * ;+:yf sfod ePsf .



-v_ Tff]lsPsf] k'FhL sf]if cg'kft k'¥ofpg' kg]{ ;do yk ug]{,

-u_ ;~rfns ;ldltsf ;b:o / k|d'v sfo{sf/L clws[t kbaf6

x6]sf] slDtdf ^ dlxgf JotLt geO{ o; a}+saf6 Ohfhtkq

k|fKt cGo ;+:yfdf ;+rfns jf cGo s'g} klg x}l;otdf sfd

ug{ gkfpg] ljBdfg k|fjwfg nfu' gx'g],

-3_ :jLsf/ of]Uo lwtf] lnO{ ;d"xdf cfj4 ePsf tyf gePsf

ufpFkflnsf If]qdf a;f]af; ug]{ JolQmx?nfO{ n3'ljQ ljQLo

;+:yfx?af6 n3'pBd ;~rfng ug{ k|bfg ul/g] shf{sf] ;Ldf

?= !) nfvaf6 ?= !% nfv k'¥ofOg],

-ª_ cfˆgf sd{rf/Lx?sf] tna, eQf tyf ;'ljwfnfO{ lgIf]ksf] ?kdf

:jLsf/ u/L ;|f]t kl/rfng ug{;Sg] .

61. !@^ Ps eGbf a9L n3'ljQ ljQLo ;+:yfdf lglZrt k|ltzt eGbf a9L

;]o/ :jfldTj x'g] ;]o/wgLx? ePsf] ;+:yfnfO{ ufEg]÷ufleg] /

k|flKtdf k|fyldstfdf /fvL dh{/df n}hfg] ;DaGwdf cfjZos

Joj:Yff ldnfOg] .

pko'{Qm Joj:yfsf ;DaGwdf cWoog eO/x]sf] .

62. !@& Digitization / FinTech sf] pkof]u a9fO{ ljB'tLo dfWodaf6 ul/g]

e'QmfgLnfO{ clej[l4 ub}{ gub sf/f]af/nfO{ qmdzM 36fpFb} n}hfg]

gLlt cjnDag ul/g] .

ljB'tLo dfWodaf6 ul/g] e'QmfgL ;DaGwL sf/f]af/nfO{

clej[l4 ug]{ p2]Zon] o; ljefuaf6 xfn;Dd ( j6f e'QmfgL

k|0ffnL ;~rfns / !$ j6f e'QmfgL ;]jf k|bfos ;+:yfx?nfO{

cg'dlt kq k|bfg ul/Psf] . ;fy}, @& jfl0fHo a}+s, !(

ljsf; a}+s / & ljQ sDkgLn]]] ;d]t e'QmfgL ;]jf k|bfossf]

?kdf /xL sf/f]af/ ug{ ;Sg] u/L Ohfhtkq k|bfg ul/Psf] .

ljB'tLo e'QmfgL sf/f]af/sf] ;Ldf j[l4 ul/Psf] .

63. !@* e'QmfgL k|0ffnLsf] cfw'lgsLs/0fsf nflu k"jf{wf/x?sf] ljsf; ub}{

;a} cfly{s sf/f]af/ ljB'tLo dfWodaf6 ug{ k|f]T;fxg ul/g] .

@)&^÷)%÷@( af6 jf:tljs ;dosf] e'QmfgL k|0ffnL

(RTGS) ;~rfngdf cfPsf] . cfly{s sf/f]af/nfO{

ljB'tLo dfWodaf6 ug{ k|f]T;fxg ug{ Connect IPS,

df]afOn a}lsË, OG6/g]6 a}lsË, QR Code nufotsf

ljB'tLo e'QmfgLsf pks/0fx?sf] dfWodaf6 sf/f]af/

k|f]T;flxt ul/Psf] .



64. !@( rfn' cfly{s jif{ @)&^÷&& leq jf:tljs ;dosf] e'QmfgL k|0ffnL

(RTGS) ;~rfngdf NofOg] .

ldlt @)&^÷)%÷@( af6 jf:tljs ;dosf] e'QmfgL

k|0ffnL (RTGS) cf}krfl/s ?kdf ;~rfngdf NofOPsf] .

65. !@( /fli6«o e'QmfgL åf/÷:jLrsf] ljsf;dfkm{t ljB'tLo e'QmfgL

sf/f]af/sf] cGt/cfj4tf (Interoperability) ;'lglZrt u/L e'QmfgL

sf/f]af/sf] /fkm;fkm :jb]zd} x'g] Joj:yf ul/g] .

/fli6«o e'QmfgL åf/÷:jLr lgdf{0fsf] sfo{ cufl8 a9]sf] .

66. !#) df]afOn / OG6/g]6dfkm{t e'QmfgL ;]jf lj:tf/ u/L b'u{d :yfgx?df

ljQLo kx'Fr k'¥ofpg e'QmfgL ;]jf k|bfos ;+:yfx?nfO{ k|f]T;fxg

ul/g] .

ljB'tLo e'QmfgL sf/f]af/ k|f]T;fxg u/L ljQLo kxF'r

clej[l4 ug{ e'QmfgL k|0ffnL ;~rfns / e'QmfgL ;]jf

k|bfosnfO{ cg'dltkq k|bfg ug]{ sfo{ hf/L /x]sf] .

67. !#! Point of Sale (POS) d]l;gdfkm{t sf/f]af/ ubf{ u|fxs;Fu cltl/Qm

z'Ns lng gkfOg] Joj:yf ul/g] .

ldlt @)&^÷)(÷!& df lgb]{zg hf/L ePsf] .

68. !#@ sf8{dfkm{t g]kfnL d'b|fdf ul/g] e'QmfgL tyf km5\of{}6 sf/f]af/nfO{

j[l4 ug{] p2]Zon] Co-Brand Card/National Card lgisfzg ug]{

;DaGwdf cfjZos Joj:yf ldnfOg] .

Union Pay International / Smartchoice Technology

sf] ;xsfo{df Co-Brand Card hf/L eO;s]sf] .

69. !## e'QmfgL ;DaGwL sfo{ ug]{ ;+:yfx?n] ljB'tLo dfWodaf6 x'g]

sf/f]af/sf] cgnfOg l/kf]l6{Ë ug]{ Joj:yf ldnfOg] .

@)&^÷)%÷!( df lgb]{zg hf/L ul/Psf] .

70. !#$ a}+s tyf ljQLo ;+:yfdf gub hDdf ug{ Cash Deposit Machine

(CDM) /fVg' kg]{ Joj:yf ldnfOg] .

sfof{Gjogsf] nflu 5nkmnsf] qmddf /x]sf] .

71. !#% g]kfn ;/sf/sf] ah]6df pNn]v eP cg';f/ j:t' tyf ;]jfsf] d"No

sf8{ jf ljB'tLo dfWodaf6 e'QmfgL ubf{ aLhsdf pNn]lvt d"No

clej[l4 s/sf] !) k|ltzt /sd e'QmfgLstf{sf] a}+s vftfdf ;f]em}

hDdf x'g] Joj:yfsf nflu ;dGjo ul/g] .

@)&^ df3 @* b]lv sfof{Gjogdf cfPsf] .

72. !#^ x]lhË ;DaGwL lgodfjnL, @)&% sf] k|efjsf/L sfof{Gjogsf] nflu

x]lhË ;DaGwL sfo{ljlw th'{df ul/g] .

x]lhË ;DaGwL lgodfjnL, @)&% g]kfn ;/sf/af6

:jLs[t eO{ cfPsf] / pQm lgodfjnL cg'?k sfo{ljlw

th'{df ug]{ sfo{ cufl8 a9]sf] .

73. !#& ;ˆ6j]o/ v/Lb jf dd{t u/L e'QmfgL k7fpg] /sdsf] ;6xL cg'dlt

k|bfg ubf{ ;DalGwt lgofds lgsfosf] l;kmfl/z cfjZos x'g]

Joj:yf ul/g] .

;ˆ6j]o/ vl/b jf dd{t u/L e'QmfgL k7fpg] /sdsf]

;6xL cg'dlt ;DaGwdf lgofds lgsfo ;~rf/ tyf

;"rgf k|ljlw dGqfno;Fu ;dGjo eO/x]sf]] .



74. !#* ;fdflhs ;~hfn tyf cgnfOgdfkm{t x'g] lj1fkgjfkt ljb]zL

d'b|fdf x'g] e'QmfgL tyf k|flKtsf] Joj:yfkg ug{ cfjZos gLlt

th'{df u/L sfof{Gjog ul/g] .

@)&^÷!)÷!& ut] ;j{;fwf/0fsf] hfgsf/Lsf] nflu nflu

;"rgf hf/L ul/Psf] . ;fdflhs ;~hfn tyf cgnfOg

dfkm{t lj1fkg ubf{ cgf}krfl/s dfWodaf6 x'g] ljb]zL

d'b|f e'QmfgL tyf To:tf dfWodaf6 x'g] ljb]zL d'b|f

k|flKtnfO{ cf}krfl/s dfWoddf Nofpg gLltut Joj:yf

ug]{ sfo{ k|lqmofdf /x]sf] .

75. !#( ljk|]if0f cfk|jfxnfO{ /fli6«o k|fyldstfsf If]qdf kl/rfng ug{ tyf

cf}krfl/s dfWodsf] k|of]unfO{ a9fjf lbg j}b]lzs /f]huf/ artkq tyf

gful/s artkqsf] laqmL jif}{e/L v'nf ug{ cfjZos ;dGjo ul/g] .

j}b]lzs /f]huf/ artkqsf] laqmL jif}{el/ ug{ z'?

ul/Psf] .

76. !$) ljb]zL nufgL cfk|jfxnfO{ yk k|f]T;fxg ug{ Psn ljGb' ;]jf s]Gb|df

/x]sf] o; a}+ssf] ljb]zL ljlgdo OsfO{nfO{ k|efjsf/L agfpFb} ljb]zL

nufgL leq\ofpg] / lkmtf{ n}hfg] k|lqmofnfO{ ;/nLs/0f ul/g] .

cfjZos ;+Vofdf sd{rf/L yk u/L OsfO{nfO{ yk

k|efjsf/L agfpFb} nluPsf] .

77. !$! j}b]lzs nufgL leq\ofpg o; a}+ssf] :jLs[ltsf nflu k|fKt ePsf

lgj]bg pk/ oyfzL3| cfjZos lg0f{o ul/;Sg] Joj:yf ldnfOg] .

j}b]lzs nufgL leœofpg ljb]zL ljlgdo ;xhLs/0f PsfO{,

Psn ljGb' ;]jf s]Gb|df cjZos ;Dk"0f{ sfuhft ;lxt k|fKt

x'g] lgj]bg pk/ oyflz3| sf/afxL ug]{ ul/Psf] .

78. !$@ ljb]zL d'b|f sf/f]af/ ug]{ Ohfhtkq k|fKt ;+:yfx?sf] cg'udg tyf

lg/LIf0f sfo{sf nflu ljz]if Joj:Yff ul/g] .

Ohfhtkq tyf lg/LIf0f ljlgodfjnL, @)^& df ;+zf]wg

k|lqmof :jLs[ltsf] clGtd r/0fdf /x]sf] .

@)&& h]7 d;fGt;Dd ^ a}+s tyf ljQLo ;+:yf, !@%

ljk|]if0f / dlgr]~h/ sDkgL / %@ xf]6n, 6«feN;, 6«]lsË,

sfuf]{, Po/nfOG; tyf cGo u/L hDdf !*# ;+:yfsf]

cg'udg÷lg/LIf0f ;DkGg ul/Psf] .

79. !$# cWoog, ;fd"lxs e|d0f nufotdf x'g] ljb]zL ljlgdo vr{nfO{

lgodg ug{ cfjZos gLltut Joj:Yff ul/g] .

@)&^÷)*÷)% df kl/kq hf/L ul/Psf] .

80. !$$ g]kfn e|d0f jif{ @)@) nfO{ dWogh/ ub}{ k|d'v ko{6sLo :ynx?df

a}+s tyf ljQLo ;+:yfx?n] 5'§} sfp06/ vf]nL ljb]zL d'b|f ;6xL

;'ljwf k|bfg ug{ ;Sg] Joj:yf ldnfOg] .

a}+s tyf ljQLo ;+:yfn] sfp06/÷zfvf :yfkgf u/L

ljb]zL d'b|f ;6xLsf] cg'dlt dfu ePdf ;xdlt lbg]

Joj:yf /x]sf] .



81. !$% ljb]zL ljlgdo sf/f]af/nfO{ k|efjsf/L 9+un] cg'udg u/L cf}krfl/s

dfWod aflx/ x'g] ljk|]if0f nufotsf sf/f]af/nfO{ a}+lsË k|0ffnLsf]

bfo/fdf Nofpg] Joj:yf ul/g] .

o; a}+saf6 Ohfhtkqk|fKt ;+:yfx?sf] lg/Gt/ cg'udg

eO/x]sf] .

o; sfo{sf] nflu 8]k'6L ueg{/sf] ;+of]hsTjdf

pRr:t/Lo ;+oGq u7g ePsf] .

cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] c4{–jflif{s ;dLIffsf] nIo / k|ult ljj/0f

1. 52 :jk|of]hgsf nflu lgdf{0f÷vl/b ul/g] klxnf] 3/sf] nflu k|bfg ul/g] shf{df

C0f e'QmfgL cfDbfgL cg'kft -DTI_ clwstd ^) k|ltzt sfod ug'{ kg]{

Joj:yf ul/g] .

@)&^÷!!÷@( df lgb]{zg hf/L ul/Psf]] .

2. %# :jk|of]hgsf nflu lgdf{0f÷vl/b ul/g] klxnf] 3/ tyf ?= %) nfvb]lv ?= @

s/f]8;Ddsf] s[lif, ko{6g Pjd\ ;fgf tyf demf}nf k]zf÷Joj;fosf nflu s/

bflvnf sfuhftsf] cfwf/df shf{ k|bfg÷gjLs/0f ug{ ;Sg] Joj:yf ldnfOg] .


3. %$ lgodfg';f/ btf{ ePsf 3/ hUuf Joj;fo sDkgLx?n] ;~rfng ug]{ g]kfn

;/sf/sf] ;DalGwt lgsfoaf6 cg'dlt k|fKt cfof]hgfsf nflu k|bfg ul/g]

shf{sf] C0f d"No cg'kft (LTV Ratio_ dxfgu/kflnsf, pkdxfgu/kflnsf /

sf7df8f}+ dxfgu/kflnsf;Fu hf]l8Psf gu/kflnsf If]qdf clwstd %)

k|ltzt / ;f] afx]ssf If]qdf ^) k|ltzt sfod ul/g] .


4. %% k|fyldstfk|fKt If]qdf k|jfx x'g] shf{nfO{ yk k|f]T;flxt ug{ ;'Id lgu/fgL

-watch list_ ;DaGwL Joj:yfdf k'g/fjnf]sg ul/g] .


5. %^ sf]/f]gf efO/;sf] ;+qmd0fsf] sf/0faf6 c;/ kg{ ;Sg] ;Defljt If]qx? klxrfg

u/L To:tf If]qx?df k|jfx ePsf] shf{df k'g/shf{ ;'ljwf / k'g/;+/rgf tyf

k'g/tflnsLs/0fsf] Joj:yfx?df cfjZostf cg';f/ k'g/fjnf]sg ul/g] .

sfof{Gjog ePsf] .

6. %& n3'ljQ ljQLo ;+:yfx?n] ug]{ nfef+z -gub jf af]g; z]o/_ ljt/0f ;DaGwL

ljBdfg Joj:yfdf kl/dfh{g u/L ul/g] .



7. %* g]kfnL gful/s, kmd{ tyf ;+:yfn] Joj;fo ;+rfng jf lj:tf/ ug{ o; a}+ssf]

k"j{ :jLs[lt lnO{ ef/taf6 ef=?= !) s/f]8;Dd / cGo d'n'saf6 cd]l/sL

8n/ !) nfv;Dd slDtdf # jif{ cjlwsf] nflu ;x'lnotk"0f{ Aofh jf ljgf

Aofhdf C0f÷;fk6L lng kfpg] Joj:yf ul/g] .


8. %( a}+s tyf ljQLo ;+:yfn] ljb]zL ;+:yfx? tyf u}/ cfjf;Lo g]kfnLx?af6 lgIf]k

;+sng ug{ ;Sg] Joj:yfdf k'g/fjnf]sg u/L bfo/f yk km/flsnf] agfOg] .

o; ;DaGwL gLltut Joj:yfdf

;/f]sf/jfnfx?;Fu 5nkmn eO/x]sf] .

9. ^) jf:tljs ;dosf] e'QmfgL k|0ffnL -Real Time Gross Settlement System-RTGS)

df ;a} ljsf; a}+s / ;a} ljQ sDkgLnfO{ ;d]t pQm k|0ffnLdf cfj¢ ul/g] .

xfn;Dd !) ljsf; a}+s / !$ ljQ sDkgL;Fu

Participant Agreement ;DkGg ePsf] . sf]le8–

!( sf] sf/0f afFsL ljsf; a}+s / ljQ

sDkgL;Fu Participant Agreement ug{ afFsL

/x]sf] .

10. ^! e'QmfgL ;DaGwL sf/f]af/ ug{ cg'dltkq k|fKt ;+:yfn] sf/f]af/ tyf sf8{;Fu

;DalGwt ;+a]bgzLn ;"rgfsf] ;'/Iffsf] k|Tofe"lt ug{ Payment Card Industry, Data

Security Standard (PCI-DSS) sf k|fjwfgx?sf] kfngf / e'QmfgL k|0ffnLsf] k/LIf0f

-System Audit_ ;DaGwdf lgoldt cg'udg tyf lgu/fgLsf] Joj:yf ldnfOg] .

e'QmfgL tyf km:of}{6 ljlgodfjnL, @)&& df

cfjZos Joj:yf u/L lgoldt cg'udg tyf

lgu/fgL ug]{ sfo{ cufl8 a9fOPsf] .

11. ^@ /fli6«o e'QmfgL :jLr -National Payment Gateway_ :yfkgfsf] k|lqmof cufl8

a9fOg] .

/fli6«o e'QmfgL :jLrsf] :yfkgf ;DaGwL sfo{

g]kfn lSnol/Ë xfp; lnld6]8dfk{mt cufl8

a9fpg] ;DaGwdf cjwf/0ff tof/ u/L

5nkmnsf] qmddf /x]sf] .


tflnsf ;"rL

tflnsf ! s'n ufx{:Yo pTkfbg -@)%&÷%* sf] d"Nodf_

tflnsf @ s'n ufx{:Yo pTkfbg -k|rlnt d"Nodf_

tflnsf # s'n /fli6«o cfo tyf art

tflnsf $ /fli6«o pkef]Qmf d"No ;"rsfÍ -@)&!÷&@ = !))_

tflnsf % df}lb|s ;j]{If0f

tflnsf ^ df}lb|s ;j]{If0f -jflif{s ljGb'ut_

tflnsf & Aofhb/ ;+/rgf

tflnsf * df}lb|s Joj:yfkg

tflnsf ( ;f]em} vl/b / ljqmL af]nsaf]n

tflnsf !) l/kf] / l/e;{ l/kf] af]nsaf]n

tflnsf !! lgIf]k ;+sng af]nsaf]n

tflnsf !@ Aofhb/ sl/8f]/

tflnsf !# ;/sf/L ljQ l:ylt -a}lsË sf/f]jf/df cfwfl/t_

tflnsf !$ g]kfn ;/sf/sf] s'n cfGtl/s C0f

tflnsf !% g]kfn ;/sf/sf] v'b cfGtl/s C0f

tflnsf !^ j}b]lzs Jofkf/

tflnsf !& zf]wgfGt/ l:ylt

tflnsf !* a}lsË If]q;Fu /x]sf] s'n ljb]zL ljlgdo ;l~rlt

tflnsf !( ljb]zL d'b|f vl/b÷laqmL


2071/72 2072/73 2073/74 2074/75 2075/76;+

2076/77k|f

2072/73 2073/74 2074/75 2075/76;+

2076/77k|f

s[lif 24,013.8 24,068.1 25,319.7 26,033.2 27,351.4 28,059.0 0.2 5.2 2.8 5.1 2.6 s[lif tyf jg 23,577.5 23,580.6 24,793.1 25,467.5 26,754.0 27,418.8 0.0 5.1 2.7 5.1 2.5 dT:okfng 436.2 487.5 526.6 565.7 597.4 640.2 11.8 8.0 7.4 5.6 7.2u}/ s[lif 48,365.5 48,549.5 52,918.1 57,015.9 61,217.6 62,605.6 0.4 9.0 7.7 7.4 2.3 pBf]u 10,939.9 10,243.7 11,514.0 12,615.7 13,590.2 14,029.2 -6.4 12.4 9.6 7.7 3.2 vfgL tyf pTvgg 323.3 314.3 357.5 389.2 423.9 421.0 -2.8 13.7 8.9 8.9 -0.7 pTkfbg pBf]u 4,806.8 4,422.3 4,851.0 5,295.7 5,657.0 5,528.8 -8.0 9.7 9.2 6.8 -2.3 ljB't, Uof; tyf kfgL 1,533.1 1,416.8 1,706.7 1,871.2 2,042.4 2,629.5 -7.6 20.5 9.6 9.1 28.7 lgdf{0f 4,276.6 4,090.4 4,598.7 5,059.5 5,466.9 5,449.9 -4.4 12.4 10.0 8.1 -0.3 ;]jf 37,425.7 38,305.7 41,404.1 44,400.2 47,627.5 48,576.5 2.4 8.1 7.2 7.3 2.0 yf]s tyf v'b|f Jofkf/ 9,619.1 9,411.0 10,529.9 11,850.8 13,160.9 13,438.5 -2.2 11.9 12.5 11.1 2.1 xf]6n tyf /]i6'/]G6 1,280.4 1,156.4 1,241.2 1,362.4 1,462.2 1,224.0 -9.7 7.3 9.8 7.3 -16.3 oftfoft, e08f/0f tyf ;+rf/ 7,480.7 7,631.4 8,124.9 8,502.6 9,004.5 8,784.1 2.0 6.5 4.6 5.9 -2.4 ljQLo dWo:ytf 2,862.6 3,107.5 3,390.0 3,606.4 3,829.4 4,026.4 8.6 9.1 6.4 6.2 5.1 3/ hUuf, ef8f tyf Jofj;flos ;]jfx? 5,531.3 5,737.3 6,062.9 6,380.9 6,771.3 6,991.7 3.7 5.7 5.2 6.1 3.3 ;fj{hlgs k|zf;g tyf /Iff 1,351.6 1,385.7 1,511.3 1,588.0 1,676.0 1,791.8 2.5 9.1 5.1 5.5 6.9 lzIff 4,902.1 5,261.3 5,650.1 5,934.0 6,237.3 6,541.5 7.3 7.4 5.0 5.1 4.9 :jf:Yo tyf ;fdflhs sfo{ 1,166.2 1,204.1 1,292.4 1,374.3 1,467.1 1,570.8 3.2 7.3 6.3 6.8 7.1 cGo ;fd'bflos, ;fdflhs tyf JolQmut ;]jfx? 3,231.7 3,411.1 3,601.3 3,800.9 4,018.7 4,207.8 5.6 5.6 5.5 5.7 4.7s'n d"No clej[l4 -ck|ToIf ljQLo dWo:ytf;lxt_ 72,379.3 72,617.6 78,237.8 83,049.1 88,569.1 90,664.7 0.3 7.7 6.1 6.6 2.4ck|ToIf ljQLo dWo:ytf 2,952.4 3,048.8 3,282.8 3,334.5 3,476.3 3,640.1 3.3 7.7 1.6 4.3 4.7s'n d"No clej[l4 -cfwf/e"t d"Nodf_ 69,426.9 69,568.8 74,955.0 79,714.6 85,092.8 87,024.5 0.2 7.7 6.3 6.7 2.3pTkflbt j:t'df v'b s/ 7,006.6 7,314.7 8,251.0 9,067.1 9,895.8 10,125.5 4.4 12.8 9.9 9.1 2.3s'n ufx{:Yo pTkfbg 76,433.6 76,883.5 83,206.0 88,781.7 94,988.6 97,150.0 0.6 8.2 6.7 7.0 2.3

;+ – ;+zf]lwt cg'dfg

k|f – k|f/lDes cg'dfg

;|f]tM s]Gb|Lo tYofÍ ljefu

k|ltzt kl/jt{g

zLif{s

?= s/f]8df

tflnsf !

s'n ufx{:Yo pTkfbg

-@)%&÷%* sf] d"Nodf_


2071/72 2072/73 2073/74 2074/75 2075/76;+

2076/77k|f

2072/73 2073/74 2074/75 2075/76;+

2076/77k|f

s[lif 62,590.1 65,677.9 72,428.3 78,449.2 83,896.1 92,569.6 4.9 10.3 8.3 6.9 10.3 s[lif tyf jg 61,657.2 64,569.7 71,190.6 76,977.5 82,268.6 90,675.4 4.7 10.3 8.1 6.9 10.2 dT:okfng 932.8 1,108.2 1,237.7 1,471.7 1,627.5 1,894.2 18.8 11.7 18.9 10.6 16.4u}/ s[lif 134,580.5 142,087.4 171,864.5 196,128.6 221,049.9 242,256.0 5.6 21.0 14.1 12.7 9.6 pBf]u 29,219.5 29,509.5 35,400.3 40,833.3 45,987.0 47,788.3 1.0 20.0 15.3 12.6 3.9 vfgL tyf pTvgg 1,187.5 1,163.0 1,423.3 1,664.6 1,850.4 1,838.4 -2.1 22.4 17.0 11.2 -0.6 pTkfbg pBf]u 11,898.0 12,096.7 13,386.2 15,192.0 17,239.2 17,044.4 1.7 10.7 13.5 13.5 -1.1 ljB't, Uof; tyf kfgL 2,205.1 2,118.0 3,060.9 3,355.1 3,660.0 4,705.8 -4.0 44.5 9.6 9.1 28.6 lgdf{0f 13,928.9 14,131.8 17,530.0 20,621.6 23,237.4 24,199.7 1.5 24.0 17.6 12.7 4.1 ;]jf 105,361.0 112,577.9 136,464.2 155,295.3 175,062.9 194,467.6 6.8 21.2 13.8 12.7 11.1 yf]s tyf v'b|f Jofkf/ 28,956.6 29,324.8 33,101.6 38,106.6 43,813.6 46,520.5 1.3 12.9 15.1 15.0 6.2 xf]6n tyf /]i6'/]G6 4,047.9 4,145.9 4,772.8 5,241.2 5,626.8 4,711.6 2.4 15.1 9.8 7.4 -16.3 oftfoft, e08f/0f tyf ;+rf/ 16,497.6 16,740.5 18,448.9 19,617.2 22,002.3 21,504.6 1.5 10.2 6.3 12.2 -2.3 ljQLo dWo:ytf 9,140.6 10,775.8 13,537.5 17,229.4 19,346.9 22,171.0 17.9 25.6 27.3 12.3 14.6 3/ hUuf, ef8f tyf Jofj;flos ;]jfx? 16,694.7 19,132.5 26,739.2 30,936.0 35,307.7 39,687.7 14.6 39.8 15.7 14.1 12.4 ;fj{hlgs k|zf;g tyf /Iff 5,142.2 5,272.0 6,942.1 7,274.4 8,306.4 10,607.9 2.5 31.7 4.8 14.2 27.7 lzIff 12,936.3 14,161.3 17,358.9 19,438.5 21,582.1 25,670.9 9.5 22.6 12.0 11.0 18.9 :jf:Yo tyf ;fdflhs sfo{ 3,292.9 3,370.8 4,255.0 4,582.7 5,100.3 6,238.3 2.4 26.2 7.7 11.3 22.3 cGo ;fd'bflos, ;fdflhs tyf JolQmut ;]jfx? 8,652.1 9,654.5 11,308.3 12,869.2 13,976.8 17,355.2 11.6 17.1 13.8 8.6 24.2s'n d"No clej[l4 -ck|ToIf ljQLo dWo:ytf;lxt_ 197,170.6 207,765.3 244,292.8 274,577.8 304,946.0 334,825.6 5.4 17.6 12.4 11.1 9.8ck|ToIf ljQLo dWo:ytf 7,261.6 8,409.3 10,344.5 11,978.3 12,848.6 13,973.7 15.8 23.0 15.8 7.3 8.8s'n d"No clej[l4 -cfwf/e"t d"Nodf_ 189,908.9 199,356.0 233,948.3 262,599.5 292,097.4 320,851.9 5.0 17.4 12.2 11.2 9.8 pTkflbt j:t'df v'b s/ 23,106.0 25,960.3 33,501.0 41,893.2 53,781.8 55,852.4 12.4 29.0 25.1 28.4 3.8s'n ufx{:Yo pTkfbg 213,015.0 225,316.3 267,449.3 304,492.7 345,879.3 376,704.3 5.8 18.7 13.9 13.6 8.9#VALUE!;+ – ;+zf]lwt cg'dfg



k|ltzt kl/jt{g

zLif{s

?= s/f]8df

tflnsf @

s'n ufx{:Yo pTkfbg

-k|rlnt d"Nodf_


2071/72 2072/73 2073/74 2074/75 2075/76;+

2076/77k|f

2074/75 2075/76;+

2076/77k|f

s'n pkef]u 193,404.6 216,151.9 231,528.7 253,850.9 280,255.8 308,507.2 83.4 81.0 81.9;/sf/L If]q 23,253.2 25,970.4 29,985.2 35,426.2 39,999.2 43,494.5 11.6 11.6 11.5lghL If]q 166,296.2 186,115.7 196,889.8 213,367.9 234,631.5 259,117.0 70.1 67.8 68.8u}/—d'gfkmfsf/L ;+:yfx? 3,855.2 4,065.9 4,653.6 5,056.7 5,625.1 5,895.7 1.7 1.6 1.6s'n nufgL 83,198.3 76,341.6 125,213.3 164,126.9 195,637.1 188,926.3 53.9 56.6 50.2s'n l:y/ kF'hL nufgL 59,582.3 64,729.4 84,069.3 105,195.7 116,493.9 105,996.6 34.5 33.7 28.1 ;/sf/L If]q 11,025.4 16,050.2 16,954.3 26,150.7 23,636.0 23,434.1 8.6 6.8 6.2 lghL If]q 48,556.8 48,679.2 67,115.0 79,045.0 92,857.9 82,562.4 26.0 26.8 21.9:6s kl/jt{g 23,616.0 11,612.3 41,144.0 58,931.2 79,143.2 82,929.8 19.4 22.9 22.0s'n cfGtl/s dfu 276,602.9 292,493.6 356,742.0 417,977.8 475,893.0 497,433.5 137.3 137.6 132.0j:t' tyf ;]jf lgof{{t 24,756.5 21,333.8 24,039.2 27,121.7 29,981.9 30,169.0 8.9 8.7 8.0j:t' tyf ;]jf cfoft 88,344.4 88,511.1 113,331.9 140,606.8 159,995.5 150,898.2 46.2 46.3 40.1v'b j:t' tyf ;]jf lgof{{t (63,587.9) (67,177.3) (89,292.7) (113,485.1) (130,013.7) (120,729.2) -37.3 -37.6 -32.0s'n ufx{:Yo pTkfbg 213,015.0 225,316.3 267,449.3 304,492.7 345,879.3 376,704.3 100.0 100.0 100.0v'b ;fwg cfo 3,424.3 3,400.4 3,099.5 2,261.5 3,998.6 4,331.1 0.7 1.2 1.1s'n /fli6«o cfo 216,439.2 228,716.7 270,548.8 306,754.2 349,877.9 381,035.4 100.7 101.2 101.1v'b 6«fG;\km/ 70,995.7 77,818.7 85,180.1 86,467.1 99,478.5 100,858.5 28.4 28.8 26.8s'n /fli6«o vr{of]Uo cfDbfgL 287,434.9 306,535.4 355,728.9 393,221.3 449,356.4 481,893.9 129.1 129.9 127.9s'n ufx{:Yo art 19,610.3 9,164.4 35,920.6 50,641.8 65,623.5 68,197.1 16.6 19.0 18.1s'n /fli6«o art 94,030.2 90,383.5 124,200.3 139,370.4 169,100.6 173,386.7 45.8 48.9 46.0

;+ – ;+zf]lwt cg'dfg



tflnsf #

s'n /fli6«o cfo tyf art

-k|rlnt d"Nodf_

zLif{s

?= s/f]8df s'n ufx{:Yo pTkfbg;Fu cg'kft


d"No ;"rsfÍ d"No ;"rsfÍ

;fpg 115.7 8.6 118.3 2.3 123.3 4.2 131.9 7.0 ebf} 115.5 7.9 119.4 3.4 124.0 3.9 131.7 6.2 c;f]h 115.7 6.7 119.2 3.1 124.8 4.7 132.6 6.2 sflQs 116.1 4.8 120.6 3.9 125.6 4.1 132.8 5.8 d+l;/ 115.1 3.8 119.9 4.2 124.4 3.7 132.5 6.6 k'; 113.9 3.2 118.5 4.0 123.9 4.6 132.4 6.8 df3 113.4 3.3 119.0 5.0 124.2 4.4 132.8 6.9 kmfu'g 112.4 2.9 119.1 6.0 124.1 4.2 132.4 6.7 r}t 113.5 3.8 119.5 5.3 124.8 4.4 133.2 6.7 j}zfv 115.2 3.4 120.0 4.1 126.3 5.3 133.7 5.8 h]7 115.6 2.8 120.3 4.1 127.7 6.2 133.5 4.5 c;f/ 115.9 2.7 121.3 4.6 128.6 6.0 jflif{s 114.8 4.5 119.6 4.2 125.1 4.6 132.7* 6.3*

* P3f/ dlxgfsf] cf};t

tflnsf $

/fli6«o pkef]Qmf d"No ;"rsfÍ

-cfwf/ jif{ M @)&!÷&@ = !))_

2075/76 2076/77

dlxgf k|ltzt

kl/jt{g

d"No ;"rsfÍ k|ltzt

kl/jt{g

d"No ;"rsfÍk|ltzt

kl/jt{g

k|ltzt

kl/jt{g

2073/74 2074/75


c;f/ h]7 c;f/ h]7c

/sd

k|ltzt /sd

k|ltzt

!= v'b j}b]lzs ;DklQ 105,429.2 96,885.2 98,478.3 122,750.5 -9,082.8 1/ -8.6 17,937.2 2/ 18.2 !=! j}b]lzs ;DklQ 113,329.5 106,471.1 107,352.7 135,306.3 -6,858.4 -6.1 27,953.7 26.0 !=@ j}b]lzs bfloTj 7,900.4 9,585.9 8,874.3 12,555.8 1,685.6 21.3 3,681.5 41.5 s= ljb]zL d'b|f lgIf]k 7,717.8 9,110.1 8,449.0 11,288.9 1,392.3 18.0 2,839.9 33.6 v= cGo j}b]lzs bfloTj 182.5 475.8 425.3 1,266.9 293.3 160.7 841.6 197.9

@= v'b cfGtl/s ;DklQ 204,017.5 247,164.2 259,735.5 281,657.9 43,685.5 1/ 21.4 28,257.4 2/ 10.9 @=! s'n cfGtl/s shf{ 275,589.3 322,440.7 333,851.0 376,856.6 46,851.4 17.0 43,005.6 12.9 s= ;/sf/nfO{ uPsf] v'b shf{ 27,263.0 26,005.1 37,554.6 42,069.7 -1,257.9 -4.6 4,515.2 12.0 c= ;/sf/dflysf] bfjL 36,212.8 42,459.5 44,120.0 58,520.2 6,246.7 17.2 14,400.3 32.6 cf= ;/sf/L lgIf]k 8,949.8 16,454.4 6,565.4 16,450.5 7,504.6 83.9 9,885.1 150.6 v= u}+/–ljQLo ;/sf/L ;+:yfx?nfO{ uPsf] shf{ 1,003.4 1,012.7 969.3 975.5 9.2 0.9 6.2 0.6 u= ljQLo ;+:yfx?nfO{ uPsf] shf{ 3,044.4 3,919.1 4,299.5 4,335.2 874.6 28.7 35.7 0.8 c= ;/sf/L 382.7 159.9 160.7 151.1 -222.8 -58.2 -9.6 -6.0 cf= u}/–;/sf/L 2,661.7 3,759.2 4,138.8 4,184.1 1,097.4 41.2 45.3 1.1 3= lghL If]qnfO{ uPsf] shf{ 244,278.4 291,503.8 291,027.6 329,476.1 47,225.4 19.3 38,448.5 13.2

@=@ v'b cdf}lb|s bfloTj 71,571.8 75,276.5 74,115.5 95,198.7 3,165.9 1/ 4.4 14,748.2 2/ 19.9

#= lj:t[t d'b|f k|bfo -Pd@_ 309,446.7 344,049.4 358,213.8 404,408.4 34,602.7 11.2 46,194.6 12.9 #=! d'b|f k|bfo -s±v_, Pd!± 187,896.0 197,220.7 209,375.8 228,156.8 9,324.7 5.0 18,781.0 9.0 s= d'b|f k|bfo -Pd!_ 66,939.5 68,900.4 72,664.3 78,288.3 1,960.9 2.9 5,624.1 7.7 d'b|f 41,598.5 41,809.2 42,320.4 48,268.7 210.7 0.5 5,948.2 14.1 rNtL lgIf]k 25,341.0 27,091.2 30,343.8 30,019.7 1,750.2 6.9 -324.2 -1.1 v= art tyf sn lgIf]k 120,956.5 128,320.3 136,711.6 149,868.5 7,363.8 6.1 13,156.9 9.6 #=@= cfjlws lgIf]k 121,550.6 146,828.7 148,837.9 176,251.5 25,278.0 20.8 27,413.6 18.4

$= lj:t[t df}lb|s t/ntf -Pd#_ 317,164.5 353,159.5 366,662.8 415,697.3 35,995.0 11.3 49,034.5 13.4c

ckl/is[t

1/ ljb]zL ljlgdo d"NofÍg gfkmf ?=%#*=* s/f]8 ;dfof]hg ul/Psf] .

2/ ljb]zL ljlgdo d"NofÍg gfkmf ?= ^##%=) s/f]8 ;dfof]hg ul/Psf] .

tflnsf %

df}lb|s ;j]{If0f

df}lb|s of]ufÍ

kl/jt{g -P3f/ dlxgf_

2075/76 2076/77

-?= s/f]8df_

2075 2076 2076 2077


h]7 h]7 h]7c

/sd k|ltzt /sd k|ltzt

!= v'b j}b]lzs ;DklQ 104,642.4 96,885.2 122,750.5 -7,757.2 -7.4 25,865.3 26.7 !=! j}b]lzs ;DklQ 112,605.8 106,471.1 135,306.3 -6,134.6 -5.4 28,835.2 27.1 !=@ j}b]lzs bfloTj 7,963.3 9,585.9 12,555.8 1,622.6 20.4 2,969.9 31.0 s= ljb]zL d'b|f lgIf]k 7,737.2 9,110.1 11,288.9 1,372.9 17.7 2,178.8 23.9 v= cGo j}b]lzs bfloTj 226.1 475.8 1,266.9 249.7 110.4 791.1 166.3

@= v'b cfGtl/s ;DklQ 190,079.4 247,164.2 281,657.9 57,084.8 30.0 34,493.7 14.0 @=! s'n cfGtl/s shf{ 257,821.5 322,440.7 376,856.6 64,619.2 25.1 54,415.9 16.9 s= ;/sf/nfO{ uPsf] v'b shf{ 12,258.6 26,005.1 42,069.7 13,746.5 112.1 16,064.6 61.8 c= ;/sf/dflysf] bfjL 37,107.1 42,459.5 58,520.2 5,352.4 14.4 16,060.7 37.8 cf= ;/sf/L lgIf]k 24,848.5 16,454.4 16,450.5 -8,394.1 -33.8 -3.9 0.0 v= u}+/–ljQLo ;/sf/L ;+:yfx?nfO{ uPsf] shf{ 1,004.7 1,012.7 975.5 7.9 0.8 -37.2 -3.7 u= ljQLo ;+:yfx?nfO{ uPsf] shf{ 2,835.0 3,919.1 4,335.2 1,084.1 38.2 416.2 10.6 c= ;/sf/L 383.3 159.9 151.1 -223.4 -58.3 -8.7 -5.5 cf= u}/–;/sf/L 2,451.7 3,759.2 4,184.1 1,307.5 53.3 424.9 11.3 3= lghL If]qnfO{ uPsf] shf{ 241,723.2 291,503.8 329,476.1 49,780.7 20.6 37,972.3 13.0

@=@ v'b cdf}lb|s bfloTj 67,742.1 75,276.5 95,198.7 7,534.4 11.1 19,922.2 26.5

#= lj:t[t d'b|f k|bfo -Pd@_ 294,721.8 344,049.4 404,408.4 49,327.6 16.7 60,359.0 17.5 #=! d'b|f k|bfo -s±v_, Pd!± 176,680.4 197,220.7 228,156.8 20,540.4 11.6 30,936.1 15.7 s= d'b|f k|bfo -Pd!_ 62,139.3 68,900.4 78,288.3 6,761.1 10.9 9,387.9 13.6 d'b|f 40,447.1 41,809.2 48,268.7 1,362.1 3.4 6,459.5 15.4 rNtL lgIf]k 21,692.1 27,091.2 30,019.7 5,399.1 24.9 2,928.5 10.8 v= art tyf sn lgIf]k 114,541.1 128,320.3 149,868.5 13,779.2 12.0 21,548.2 16.8 #=@= cfjlws lgIf]k 118,041.5 146,828.7 176,251.5 28,787.2 24.4 29,422.9 20.0

$= lj:t[t df}lb|s t/ntf -Pd#_ 302,459.0 353,159.5 415,697.3 50,700.5 16.8 62,537.7 17.7c

ckl/is[t

2076/77

tflnsf ^

df}lb|s ;j]{If0f

-jflif{s ljGb'ut_

df}lb|s of]ufÍ2075 2076 2077

-?= s/f]8df_

kl/jt{g

2075/76


2074 2075 2076 2076 2076 2076 2076 2077

c;f/ c;f/ h]7 c;f/ c;f]h k'; r}t h]7

s= gLltut b/

clgjfo{ gub df}Hbft -;Lcf/cf/_lgwf{l/t l/kf] b/ -sl/8f]/_ 5.0 5.0 5.0 5.0 4.5 4.5 4.5 3.5lgwf{l/t lgIf]k ;+sng b/ -sl/8f]/_ 3.0 3.0 3.5 3.5 3.0 3.0 3.0 2.0:yfoL t/ntf ;'ljwf Aofhb/^ 7.0 7.0 6.5 6.5 6.0 6.0 6.0 5.0a}+s b/ 7.0 7.0 6.5 6.5 6.0 6.0 6.0 5.0

v= k'g/shf{ b/

ljz]if k'g/shf{ 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0;fwf/0f k'g/shf{ 4.0 4.0 4.0 4.0 3.0 3.0 3.0 3.0lgof{tsf] nflu ljb]zL d'b|fdf lbOg] shf{ nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25

u= clgjfo{ gub df}Hbft -;Lcf/cf/_

jfl0fHo a}+s 6.0 6.0 4.0 4.0 4.0 4.0 4.0 3.0ljsf; a}+s 5.0 5.0 4.0 4.0 4.0 4.0 4.0 3.0ljQ sDkgL 4.0 4.0 4.0 4.0 4.0 4.0 4.0 3.0

3= ;/sf/L ;]So"l/6L

6«]h/L laN; -@* lbg]_* - 3.07 3.74 4.33 - - - -6«]h/L laN; -(! lbg]_* 0.71 3.74 5.50 4.97 4.33 3.17 2.13 2.816«]h/L laN; -!*@ lbg]_* 1.71 4.39 5.69 5.03 4.54 4.51 3.72 4.576«]h/L laN; -#^$ lbg]_* - - 5.78 4.78 4.56 3.60 3.94 4.23ljsf; C0f kq 2.65-9.0 2.65-6.5 2.65-6.5 2.65-6.5 2.65-6.5 2.65-6.5 2.65-6.97 2.65-6.97/fli6«o/gful/s art kq 6.0-10.0 6.0-8.5 8.0-9.0 8.0-9.0 8.0-9.0 8.0-9.0 8.0-9.0 8.0-9.0

u= cGt/a}+s sf/f]af/ b/ 0.64 2.96 6.91 4.52 4.62 1.76 2.13 2.803= efl/t cf};t lgIf]k Aofhb/ -jfl0fHo a}+s_ 6.15 6.49 6.64 6.60 6.75 6.79 6.74 6.17ª= efl/t cf};t shf{ Aofhb/ -jfl0fHo a}+s_ 11.33 12.47 12.20 12.13 11.98 11.94 11.77 10.43r= cfwf/ Aofhb/ -jfl0fHo a}+s_ 9.89 10.47 9.48 9.57 9.56 9.43 9.36 8.66

* efl/t cf};t Aofh b/

^ @)^( ebf}+ ! ut]b]lv a}+s b/d} :yfoL t/ntf ;'ljwf k|bfg ug{ yflnPsf] .

-k|ltzt k|ltjif{_

Aofhb/ ;+/rgf

tflnsf &

jif{

dlxgf


s= t/ntf k|jfx 14,566.5 32,248.9 21,915.5 != l/kf] - 16,246.0 10,855.0 @= ;f]em} vl/b 3,762.0 - - #= l/kf] af]nsaf]n * 6,972.0 570.0 732.2 $= :yfoL t/ntf ;'ljwf 3,832.5 15,432.9 10,328.3 v= t/ntf k|zf]rg 19,500.0 10,035.0 7,800.0 != l/e;{ l/kf] 8,475.0 2,070.0 4,800.0 @= ;f]em} laqmL 840.0 - - #= lgIf]k ;+sng af]nsaf]n 5,590.0 7,965.0 3,000.0 $= lgIf]k ;+sng af]nsaf]n * 4,595.0 - - u= v'b t/ntf k|jfx -±_÷k|zf]rg -–_ (4,933.5) 22,213.9 14,115.5

* Aofhb/ sl/8f]/ cGtu{tsf] sf/f]jf/

tflnsf *

df}lb|s Joj:yfkg

-?= s/f]8df_

zLif{s 2074÷75 2075÷76 2076÷77


-?= s/f]8df_

/sd Aofh b/*

-k|ltzt_

/sd Aofh b/*

-k|ltzt_

/sd Aofh b/*

-k|ltzt_

/sd Aofh b/*

-k|ltzt_

/sd Aofh b/*

-k|ltzt_

/sd Aofh b/*

-k|ltzt_

;fpg - - - - - - - - - - - - ebf} - - - - - - - - - - - - c;f]h - - - - - - - - - - - - sflQs - - - - - - - - - - - - d+l;/ - - - - - - - - - - - - k'; 2,527.7 3.6 - - - - - - - - - - df3 1,106.8 3.44 - - - - - - - - - - kmfu'g 75.0 3.90 - - - - - - - - - - r}t - - - - - - - - - - - - a}zfv 52.5 4.3 - - - - - - - - - - h]7 - - - - - - 500.0 4.61 - - - - c;f/ - - - - - - 340.0 3.29 - - - - s'n hDdf 3,762.0 3.54 - - - - 840.0 4.1 - - - -


@)&^÷&&

tflnsf (

;f]e}m vl/b / laqmL af]nsaf]n

dlxgf

vl/b af]nsaf]n laqmL af]nsaf]n

@)&%÷&^ @)&^÷&& @)&%÷&^@)&$÷&% @)&$÷&%


-?= s/f]8df_

/sd Aofh b/*

-k|ltzt_

/sd Aofh b/*

-k|ltzt_

/sd Aofh b/*

-k|ltzt_

/sdAofh b/*

-k|ltzt_

/sd Aofh b/*

-k|ltzt_

/sd Aofh b/*

-k|ltzt_

;fpg - - - - - - 4,575.0 0.34 70.0 1.53 - - ebf} - - - - - - 2,400.0 0.37 500.0 1.49 - - c;f]h - - - - 3,855.0 4.60 500.0 0.43 1,000.0 0.34 - - sflQs - - - - - - 1,000.0 0.41 500.0 0.61 - - d+l;/ - - - - - - - - - - - - k'; - - - - - - - - - - 2,800.0 2.31 df3 - - 1,743.0 5.18 5,000.0 4.74 - - - - - - kmfu'g - - 210.0 5.04 2,000.0 4.75 - - - - - - r}t - - 1,600.0 5.22 - - - - - - - - a}zfv - - 6,092.0 5.10 - - - - - - - - h]7 - - 3,914.0 5.16 - - - - - - 2,000.0 1.28 c;f/ - - 2,687.0 5.08 - - - - - - - - s'n hDdf - - 16246 5.1342 10,855.0 4.69 8,475.0 0.36 2,070.0 0.72 4,800.0 1.88


@)&^÷&&

tflnsf !)

l/kf] / l/e;{ l/kf] af]nsaf]n

dlxgf

l/kf] af]nsaf]n -& lbg]_ l/e;{ l/kf] af]nsaf]n

@)&%÷&^ @)&^÷&& @)&%÷&^@)&$÷&%@)&$÷&%


-?= s/f]8df_

/sd Aofhb/* /sd Aofhb/* /sd Aofhb/* /sd Aofhb/* /sd Aofhb/*

;fpg 2,695.0 3.66 - - - - - - 3,000.0 0.84 ebf} - - - - - - - - - - c;f]h - - - - - - - - - - sflQs - - - - - - - - - - d+l;/ - - - - - - - - - - k'; - - - - - - - - - - df3 - - - - - - - - - - kmfu'g - - - - - - - - - - r}t - - - - - - - - - - a}zfv - - - - - - - - - - h]7 - - - - - - - - - - c;f/ - - - - - - - - - - s'n 2,695.0 3.66 - - - - - - 3,000.0 0.84

@)&^÷&& @)&^÷&&

#) lbg] !% lbg]

tflnsf !!

lgIf]k ;+sng af]nsaf]n

*efl/t cf};t Aofh b/ k|ltzt

dlxgf @)&^÷&& @)&^÷&& @)&%÷&^

() lbg] ^) lbg]


-?= s/f]8df_

/sd Aofh b/* /sd Aofh b/* /sd Aofh b/* /sd Aofh b/*

;fpg - - - - - - - -

ebf} - - - - - - - -

c;f]h - - - - - - 97.1 4.5

sflQs - - - - - - - -

d+l;/ - - - - - - - -

k'; - - - - - - - -

df3 - - - - 360.0 5.0 211.8 4.5

kmfu'g - - - - 40.0 5.0 234.9 4.5

r}t - - - - - - - -

a}zfv - - - - 170.0 5.0 188.5 3.5

h]7 - - - - - - - -

c;f/ - - - - - - - -s'n hDdf - - - 0.0 570.0 5.00 732.2 4.2

* efl/t cf};t Aofh b/ k|ltzt

@)&^÷&&

tflnsf !@

Aofhb/ sl/8f]/

dlxgf @)&%÷&^ @)&^÷&& @)&%÷&^

l/kf] af]nsaf]n -!$ lbg]_lgIf]k ;+sng af]nsaf]n -!$ lbg]_ lgIf]k ;+sng af]nsaf]n -& lbg]_ l/kf] af]nsaf]n -cf]e/gfO6_


-?=s/f]8df_

c;f/ @( c;f/ @& c;f/ @^

s'n vr{ 97786.9 94354.4 97300.9 -3.5 3.1rfn' 67161.7 67517.0 - 0.5 -k'FhLut 20604.0 18333.3 - -11.0 -ljQLo Joj:yf 10021.2 8504.1 - -15.1 -s'n ;fwg 72523.0 83016.8 71899.8 14.5 -13.4

/fh:j tyf cg'bfg 71965.8 83016.8 67330.4 15.4 -18.9/fh:j 69094.2 81559.0 74171.3 18.0 -9.1

;+3Lo ;/sf/ - - 65520.7 - -k|b]z / :yfgLo ;/sf/ -x:tfGt/0f_ - - 8650.5 - -

j}b]lzs cg'bfg 2871.6 1457.8 1809.6 -49.2 24.1ut jif{sf] gub df}Hbft tyf a]?h' 557.2 0.0 4569.4 -100.0 -

ah]6 art÷3f6f -25263.9 -11337.5 -25401.1 -55.1 124.03f6f Joxf]l/g] ;|f]tx? 21981.5 13873.5 32730.0 -36.9 135.9

cfGtl/s C0f 14203.7 6511.7 18866.0 -54.2 189.7cfGtl/s ;fk6L 14475.1 6538.2 19000.4 -54.8 190.6

s= 6«]h/L laN; 7195.9 643.5 9000.0 -91.1 1298.6v= ljsf; C0fkq 7200.0 5894.7 10000.0 -18.1 69.6u= /fli6«o artkq - - - - -3= gful/s artkq 75.1 - - -100.0 -ª= j}b]lzs /f]huf/L artkq 4.1 - 0.4 -100.0 -

clwljsif{ 0.0 - - - -

cGo @ -271.4 -26.5 -134.5 -90.2 406.6

;fFjf lkmtf{ tyf z]o/ ljljlws/0f 317.8 300.9 113.7 -5.3 -62.2j}b]lzs C0f 7460.1 7060.9 13750.3 -5.4 94.7;+3Lo ;/sf/sf] s'n pknAw ;|f]t -3282.3 2535.9 7328.9 -177.3 189.0k|b]z ;/sf/ vr{ - - 11048.4 - -k|b]z ;/sf/ ;|f]t - - 12828.0 - -

s= ;+3Lo ;/sf/af6 k|fKt cg'bfg tyf /fh:j - - 8790.8 - -v= /fh:j tyf k|fKtL - - 4037.2 - -

k|b]z ;/sf/sf] ah]6 art÷3f6f - - 1779.6 - -:yfgLo ;/sf/sf] vftfdf ePsf] /sd 5533.7 -1714.8 3328.1 -131.0 -294.1

;/sf/L sf]if vftfdf ePsf] /sd 1661.1 -1752.2 -53.5 -205.5 -96.9d'=c=s= sf]if vftf 257.6 12.4 35.3 -95.2 185.2eG;f/ sf]]if vftf 64.4 37.6 49.9 -41.6 32.5k'g{lgdf{0f sf]]if vftf 124.9 2,828.7- - -2365.7 -cGo cfo** 1214.2 1026.5 -138.6 -15.5 -113.5rfn' df}Hbft 3912.5 -931.1 12383.1 -123.8 -1429.9

@ g]kfn ;/sf/sf] sf/f]jf/af6 cflh{t Aofh tyf cGo .

** Uof/]G6L l8kf]lh6, ck/];gn km08, cfsl:ds sf]if nufotsf] /sd ;dfj]z .

2075/76 2076/77

*cf=j= @)&%÷&^ b]lv ;/sf/L ljQ l:yltdf ;+3Lo ;/sf/sf] tYofÍ dfq ;dfj]z ul/Psf] . @)&%÷&^ sf] /fhZj kl/rfng cGtu{t ;+3Lo ;/sf/sf] /fhZj tyf k|b]z ;/sf/ / :yfgLo

txnfO{ hfg] ljefHo sf]ifsf] /sdnfO{ ;d]l6Psf] .

+k|:t't tYofÍ ;/sf/L sf/f]jf/ ug]{ g]kfn /fi6« a}+s nufot ;/sf/L sf/f]af/ ug]{ ;Dk"0f{ jfl0fHo a}+sx?af6 k|fKt tYofÍdf cfwfl/t /x]sf] . To;}u/L, *! j6} lhNnfl:yt sf]if tyf n]vf lgoGqs

sfof{nox? / e'QmfgL s]Gbx?af6 k|fKt lgsfzf ljj/0fdf cfwfl/t /x]sf] .

tflnsf !#

;/sf/L ljQ l:ylt

-a}lsª sf/f]jf/df cfwfl/t_

-c;f/ rf}yf] xKtfsf]] tYofÍdf cfwfl/t_+

zLif{s

2074/75 2075/76 2076/77* k|ltzt kl/jt{g


-?= s/f]8df_

2075 2076 2077

c;f/ c;f/ c;f/-c;f/ @)&^ - c;f/ @)&%_

-c;f/ @)&& - c;f/ @)&^_

! 6«]h/L laN; 14484.8 14679.3 21521.8 194.5 6842.5 s= g]kfn /fi6« a}+s 2612.0 1847.3 2132.0 -764.7 284.7 v= jfl0fHo a}+sx? 11815.3 12509.5 18332.7 694.2 5823.2 u= ljsf; a}+sx? 42.0 296.1 957.2 254.1 661.1 3= ljQ sDkgLx? 15.5 26.2 71.9 10.7 45.7 ª= cGo 0.0 0.2 28.0 0.2 27.8

@ ljsf; C0fkq 23590.0 29734.7 38994.7 6144.7 9260.0 s= g]kfn /fi6« a}+s 4528.7 4403.3 4355.7 -125.5 -47.6 v= jfl0fHo a}+sx? 15771.1 22979.3 30805.5 7208.3 7826.2 u= ljsf; a}+sx? 756.9 1271.5 2181.6 514.6 910.1 3= ljQ sDkgLx? 353.3 506.0 1190.4 152.7 684.4 ª= cGo 2180.0 574.6 461.5 -1605.4 -113.1

# /fli6«o artkq 90.6 0.0 0.0 -90.6 0.0 s= g]kfn /fi6« a}+s 26.2 0.0 0.0 -26.2 0.0 v= jfl0fHo a}+sx? 0.0 0.0 0.0 0.0 0.0 u= ljsf; a}+sx? 0.0 0.0 0.0 0.0 0.0 3= ljQ sDkgLx? 0.0 0.0 0.0 0.0 0.0 ª= cGo 64.4 0.0 0.0 -64.4 0.0

$ gful/s artkq 871.6 837.6 764.2 -34.0 -73.4 s= g]kfn /fi6« a}+s 290.8 279.5 193.5 -11.3 -86.0 v= jfl0fHo a}+sx? 0.0 0.0 0.0 0.0 0.0 u= ljsf; a}+sx? 0.0 0.0 0.0 0.0 0.0 3= ljQ sDkgLx? 0.0 0.0 0.0 0.0 0.0 ª= cGo 580.9 558.1 570.7 -22.8 12.5

% a}b]lzs /f]huf/ artkq 52.8 45.1 40.5 -7.7 -4.7 s= g]kfn /fi6« a}+s 1.1 1.3 1.1 0.2 -0.2 v= cGo 51.7 43.9 39.4 -7.8 -4.5

^ s'n cfGtl/s C0f 39089.9 45296.7 61321.2 6206.9 16024.5 s= g]kfn /fi6« a}+s 7458.8 6531.3 6682.3 -927.4 150.9 v= jfl0fHo a}+sx? 27586.4 35488.8 49138.2 7902.5 13649.4 u= ljsf; a}+sx? 798.9 1567.6 3138.8 768.7 1571.2 3= ljQ sDkgLx? 368.8 532.2 1262.4 163.4 730.2 ª= cGo 2877.1 1176.8 1099.6 -1700.3 -77.2

& g]kfn ;/sf/sf] g]kfn /fi6« a}+sdf /x]sf]

lgIf]k -clwljsif{ -±_÷art-–__ -8949.8 -6565.4 -19423.0 2384.4 -12857.6

tflnsf !$

g]kfn ;/sf/sf] ltg{ afFsL s'n cfGtl/s C0f

l;=g+= C0fkqx? tyf :jfldTj

/sd kl/jt{g


-?= s/f]8df_

/sd

s'n ufx{:Yo

pTkfbg;Fusf]

cg'kft

-k|ltztdf_

/sd

s'n ufx{:Yo

pTkfbg;Fusf]

cg'kft

-k|ltztdf_

/sd

s'n ufx{:Yo

pTkfbg;Fusf]

cg'kft

-k|ltztdf_

/sd

s'n ufx{:Yo

pTkfbg;Fusf]

cg'kft

-k|ltztdf_

s cfGtl/s C0f k|flKt 8833.8 3.3 14474.7 4.8 9638.2 2.8 19464.2 5.26«]h/L laN; 3300.0 1.2 7195.9 2.4 2643.5 0.8 9300.0 2.5ljsf; C0fkq 5500.0 2.1 7200.0 2.4 6994.7 2.0 10000.0 2.7/fli6«o artkq 0.0 0.0 0.0 0.0 0.0 0.0 160.5 0.0gful/s artkq 28.6 0.0 75.1 0.0 0.0 0.0 0.0 0.0j}b]lzs /f]huf/ artkq 5.2 0.0 3.7 0.0 0.0 0.0 3.7 0.0

v cfGtl/s C0f e'QmfgL 3878.6 1.5 3752.0 1.2 3431.3 1.0 3439.8 0.96«]h/L laN; 3865.0 1.4 3752.0 1.2 2449.0 0.7 2457.5 0.7ljsf; C0fkq 0.0 0.0 0.0 0.0 850.0 0.2 740.0 0.2/fli6«o artkq 0.0 0.0 0.0 0.0 90.7 0.0 0.0 0.0gful/s artkq 12.7 0.0 0.0 0.0 34.0 0.0 233.9 0.1j}b]lzs /f]huf/ artkq 0.9 0.0 0.0 0.0 7.6 0.0 8.4 0.0

u g]kfn ;/sf/sf] v'b cfGtl/s C0f -s-v_ 4955.2 1.9 10722.7 3.5 6206.9 1.8 16024.4 4.3

6«]h/L laN; -565.0 -0.2 3443.9 1.1 194.5 0.1 6842.5 1.8ljsf; C0fkq 5500.0 2.1 7200.0 2.4 6144.7 1.8 9260.0 2.5/fli6«o artkq 0.0 0.0 0.0 0.0 -90.7 0.0 160.5 0.0gful/s artkq 15.9 0.0 75.1 0.0 -34.0 0.0 -233.9 -0.1j}b]lzs /f]huf/ artkq 4.3 0.0 3.7 0.0 -7.6 0.0 -4.7 0.0

3 s'n ufx{:Yo pTkfbg 267449.3 100.0 304492.7 100.0 345879.3 100.0 376704.3 100.0

tflnsf !%

g]kfn ;/sf/sf] v'b cfGtl/s C0f

@)&^ c;f/ @)&& c;f/@)&$ c;f/ @)&% c;f/

l;=g+= ljj/0f


-?= s/f]8df_

2074/75 2075/76 2074/75 2075/76 2076/77 2075/76 2076/77s'n lgof{t 8136.0 9711.0 7357.5 8783.5 8800.3 19.4 0.2 ef/t 4672.0 6273.2 4246.5 5659.1 6295.0 33.3 11.2 rLg 243.8 211.0 225.5 196.5 113.9 -12.8 -42.1 cGo d'n's 3220.2 3226.8 2885.6 2927.9 2391.4 1.5 -18.3s'n cfoft 124510.3 141853.5 110787.2 129980.0 110081.3 17.3 -15.3 ef/t 81410.2 91790.9 73123.6 84166.4 67059.9 15.1 -20.3 rLg 15998.7 20552.7 14278.7 18661.3 16972.9 30.7 -9.0 cGo d'n's 27101.4 29509.9 23385.0 27152.3 26048.6 16.1 -4.1Jofkf/ ;Gt'ng -116374.3 -132142.6 -103429.7 -121196.5 -101281.0 17.2 -16.4 ef/t -76738.2 -85517.8 -68877.1 -78507.3 -60764.9 14.0 -22.6 rLg -15754.9 -20341.8 -14053.2 -18464.8 -16859.0 31.4 -8.7 cGo d'n's -23881.2 -26283.1 -20499.4 -24224.4 -23657.2 18.2 -2.3s'n Jofkf/ 132646.3 151564.5 118144.7 138763.4 118881.7 17.5 -14.3 ef/t 86082.1 98064.1 77370.1 89825.5 73354.9 16.1 -18.3 rLg 16242.5 20763.7 14504.1 18857.8 17086.7 30.0 -9.4 cGo d'n's 30321.7 32736.6 26270.5 30080.2 28440.0 14.5 -5.5

!= lgof{t cfoft cg'kft 6.5 6.8 6.6 6.8 8.0 ef/t 5.7 6.8 5.8 6.7 9.4 rLg 1.5 1.0 1.6 1.1 0.7 cGo d'n's 11.9 10.9 12.3 10.8 9.2@= s'n lgof{tdf c+z

ef/t 57.4 64.6 57.7 64.4 71.5 rLg 3.0 2.2 3.1 2.2 1.3 cGo d'n's 39.6 33.2 39.2 33.3 27.2#= s'n cfoftdf c+z

ef/t 65.4 64.7 66.0 64.8 60.9 rLg 12.8 14.5 12.9 14.4 15.4 cGo d'n's 21.8 20.8 21.1 20.9 23.7$= s'n Jofkf/ 3f6fdf c+z

ef/t 65.9 64.7 66.6 64.8 60.0 rLg 13.5 15.4 13.6 15.2 16.6 cGo d'n's 20.5 19.9 19.8 20.0 23.4%= s'n Jofkf/df c+z

ef/t 64.9 64.7 65.5 64.7 61.7 rLg 12.2 13.7 12.3 13.6 14.4 cGo d'n's 22.9 21.6 22.2 21.7 23.9^= s'n Jofkf/df lgof{t cfoftsf] c+z

lgof{t 6.1 6.4 6.2 6.3 7.4 cfoft 93.9 93.6 93.8 93.7 92.6+ eG;f/ tYof+sdf cfwfl/t

tflnsf !^

j}b]lzs Jofkf/+

ljj/0fjflif{s P3f/ dlxgf k|ltzt kl/jt{g -P3f/ dlxgf_


-?= s/f]8df_

P3f/ dlxgf jflif{s P3f/ dlxgf jflif{s P3f/ dlxgf 2075/76 2076/77c

s= rfn' vftf -20994.1 -24682.2 -24908.5 -26536.0 -7163.9 18.6 -71.2 lgof{t, Pkm=cf]=aL= 8475.7 9347.4 10270.6 11385.1 9830.6 21.2 -4.3 t]n 1120.4 1213.4 1486.2 1598.6 958.6 32.6 -35.5 cGo 7355.3 8133.9 8784.4 9786.5 8872.0 19.4 1.0 cfoft, Pkm=cf]=aL= -109197.2 -122927.2 -128277.6 -139868.5 -108162.8 17.5 -15.7 t]n -15405.6 -17306.7 -19641.4 -21553.9 -15339.9 27.5 -21.9 cGo -93791.7 -105620.5 -108636.2 -118314.7 -92822.9 15.8 -14.6 Jofkf/ ;Gt'ng -100721.5 -113579.9 -118007.0 -128483.4 -98332.2 17.2 -16.7 v'b ;]jf cfo 85.9 169.1 -927.1 -1522.6 -489.3 -1178.8 -47.2 ;]jf cfo 15959.6 17663.1 17103.0 18637.2 14124.0 7.2 -17.4 ofqf 6386.2 6852.2 7025.1 7537.4 5785.7 10.0 -17.6 cGoq gk/]sf] ;/sf/L cfo 1902.7 2246.1 2100.3 2184.2 1087.3 10.4 -48.2 cGo 7670.6 8564.8 7977.6 8915.5 7250.9 4.0 -9.1 ;]jf e'QmfgL -15873.6 -17494.0 -18030.1 -20159.8 -14613.2 13.6 -19.0 oftfoft -5725.4 -6282.8 -6015.2 -6582.6 -6178.0 5.1 2.7 ofqf -7185.8 -7959.7 -8077.5 -8990.7 -5182.7 12.4 -35.8 h;df lzIff dfq -3422.8 -3808.9 -4098.6 -4632.1 -2516.4 19.7 -38.6 ;/sf/L vr{ -246.2 -248.3 -444.9 -470.4 -225.2 80.7 -49.4 cGo -2716.2 -3003.2 -3492.5 -4116.1 -3027.4 28.6 -13.3 Jofkf/ tyf ;]jf If]qsf] ;Gt'ng -100635.6 -113410.8 -118934.2 -130006.0 -98821.5 18.2 -16.9 v'b cfo 2014.7 2261.5 3511.2 3991.6 4380.0 74.3 24.7 cfo k|fKtL 6212.1 6914.3 7338.9 7991.7 6362.2 18.1 -13.3 cfo e'QmfgL -4197.4 -4652.8 -3827.7 -4000.1 -1982.2 -8.8 -48.2 Jofkf/, ;]jf tyf cfo ;Gt'ng -98620.9 -111149.3 -115423.0 -126014.5 -94441.4 17.0 -18.2 v'b 6«fG;km/ 77626.8 86467.1 90514.5 99478.5 87277.5 16.6 -3.6 6«fG;km/ cfo 78167.7 87047.6 91544.9 100558.8 87752.8 17.1 -4.1 cg'bfg 5219.0 6099.5 5838.2 6462.1 4797.5 11.9 -17.8 lghL If]qsf] ljk|]if0f 67973.1 75505.9 79901.7 87927.1 77486.6 17.5 -3.0 k]G;g 4949.5 5415.5 5795.1 6152.8 5383.1 17.1 -7.1 cGo 26.2 26.8 10.0 16.7 85.6 -62.0 758.4 6«fG;km/ e'QmfgL -541.0 -580.5 -1030.4 -1080.3 -475.3 90.5 -53.9v= k"FhL vftf -k"FhL 6«fG;km/_ 1502.2 1772.2 1387.8 1545.9 1305.1 -7.6 -6.0hDdf -s±v_ -19491.9 -22910.0 -23520.7 -24990.1 -5858.8 20.7 -75.1u= ljQLo vftf -;d"x ª afx]s_ 6731.6 10283.4 8459.3 9644.9 19191.8 25.7 126.9 k|ToIf j}b]lzs nufgL cfk|jfx 1586.8 1750.5 1180.4 1306.5 1871.6 -25.6 58.6 kf]6{kmf]lnof] nufgL 0.0 0.0 0.0 0.0 0.0 - - cGo nufgL ;DklQ -4094.9 -4029.0 -2192.5 -2754.0 46.1 -46.5 -102.1 Jofkfl/s ;fv -42.4 419.4 611.4 1057.0 134.6 -1541.5 -78.0 cGo -4052.5 -4448.3 -2803.9 -3811.0 -88.5 -30.8 -96.8 cGo nufgL bfloTj 9239.7 12561.9 9471.3 11092.4 17274.1 2.5 82.4 Jofkfl/s ;fv 4512.0 5453.5 3068.9 3710.7 5724.2 -32.0 86.5 C0f 6003.0 8444.1 4609.9 6298.7 7778.3 -23.2 68.7 ;/sf/ 5684.9 8117.9 4416.6 6143.8 7747.1 -22.3 75.4 C0f k|fKtL 7304.6 9976.8 5934.2 8147.7 9684.2 -18.8 63.2 ;fFjf e'QmfgL -1619.7 -1858.9 -1517.5 -2003.9 -1937.1 -6.3 27.6 cGo If]q 318.1 326.3 193.3 154.9 31.1 -39.2 -83.9 s/]G;L tyf l8kf]lh6 -1314.5 -1334.0 1729.4 1063.8 3768.6 -231.6 117.9 g]kfn /fi6« a}+s -17.8 -17.9 3.1 2.7 2.7 -117.2 -11.8 jfl0fHo a}+s -1296.8 -1316.1 1726.4 1061.1 3765.9 -233.1 118.1 cGo bfloTj 39.1 -1.7 63.1 19.1 3.0 61.2 -95.2hDdf -s±v±u_ -12760.4 -12626.6 -15061.4 -15345.2 13333.0 18.0 -188.53= ljljw k"FhL tyf e'nr's 11012.2 11388.7 7708.0 9668.9 8372.8 -30.0 8.6hDdf -s±v±u±3_ -1748.2 -1238.0 -7353.4 -5676.3 21705.8 320.6 -395.2ª= l/he{ tyf ;DalGwt lzif{s 1748.2 1238.0 7353.4 5676.3 -21705.8 320.6 -395.2 l/he{ ;DklQ 1804.4 1335.0 7397.3 5764.4 -21618.7 310.0 -392.2 g]kfn /fi6« a}+s -1845.7 -2578.2 10569.3 8085.7 -18917.6 -672.6 -279.0 jfl0fHo a}+s 3650.1 3913.2 -3172.0 -2321.3 -2701.1 -186.9 -14.8 cfO{=Pd=Pkm= shf{ pkof]u -56.2 -97.1 -44.0 -88.1 -87.1 -21.8 98.0v'b j}b]lzs ;DklQdf kl/jt{g -–j [l4_ 433.7 -96.0 9082.8 6740.1 -17937.2 1994.4 -297.5

c – ckl/is[t

tflnsf !&

zf]wgfGt/ l:ylt

ljj/0f

2074/75 2075/76 2076/77c k|ltzt kl/jt{g

-P3f/ dlxgf_


-?= s/f]8df_

c;f/ h]7 c;f/ h]7c

@)&% @)&^ @)&^ @)&& @)&%÷&^ @)&^÷&&

s_ g]kfn /fi6« a}+s -!±@_ 102010.6 91966.3 93705.2 118938.6 -9.8 26.9

!= ;'g, P;=l8=cf/=, cfOPdPkmdf /x]sf] l/hj{ 3071.0 3383.1 3460.8 4660.3 10.2 34.7

@= ljb]zL ljlgdo ;l~rlt 98939.6 88583.2 90244.4 114278.3 -10.5 26.6

kl/jTo{ 73763.2 64930.2 66790.2 83286.1 -12.0 24.7

ckl/jTo{ 25176.4 23653.0 23454.2 30992.2 -6.1 32.1

11318.9 14504.8 13647.5 16367.8 28.1 19.9

kl/jTo{ 10200.7 13222.6 12551.5 15403.0 29.6 22.7

ckl/jTo{ 1118.2 1282.2 1096.0 964.7 14.7 -12.0

u_ s'n ljb]zL ljlgdo ;l~rlt 110258.5 103088.0 103891.9 130646.1 -6.5 25.8

kl/jTo{ 83963.9 78152.8 79341.7 98689.2 -6.9 24.4

s'n ;l~rltdf c+z -k|ltztdf_ 76.2 75.8 76.4 75.5 - -

ckl/jTo{ 26294.6 24935.2 24550.1 31956.9 -5.2 30.2

s'n ;l~rltdf c+z -k|ltztdf_ 23.8 24.2 23.6 24.5 - -

113329.5 106471.1 107352.7 135306.3 -6.1 26.0

cfoft Ifdtf -dlxgfdf_

s'n ljb]zL ljlgdo ;l~rlt

j:t' 10.8 8.8 8.9 13.3 - -

j:t' tyf ;]jf 9.4 7.7 7.8 11.7 - -

j:t' 11.1 9.1 9.2 13.8 - -

j:t' tyf ;]jf 9.7 8.0 8.1 12.1 - -

7900.4 9585.9 8874.3 12555.8 21.3 41.5

105429.2 96885.2 98478.3 122750.5 -8.1 24.6

-3965.7 8544.0 6950.9 -24272.2 - -

3869.7 538.8 -210.8 6335.0 - -

-96.0 9082.8 6740.0 -17937.2 - -109.34 111.39 109.36 121.05

c – ckl/is[t

* g]kfn /fi6« a}+saf6 O{hfhtk|fKt æsÆ, ævÆ / æuÆ ju{sf a}+s tyf ljQLo ;+:yfx?

** v'b j}b]lzs ;DklQsf] kl/jt{g c;f/ d;fGtsf] tYofÍnfO{ cfwf/ dfgL lnOPsf] / -–_ lrGxn] j[l4 ePsf] hgfp5 .

d;fGtsf] vl/b b/ -k|lt cd]l/sL 8n/_M

*** ljb]zL ljlgdo d"Nof+sg gfkmf÷3f6f ;dfof]hg kZrft .

s'n a}b]lzs ;DklQ

ª_ j}b]lzs bfloTj

r_ v'b j}b]lzs ;DklQ -3-ª_

5_ v'b j}b]lzs ;DklQdf kl/jt{g -ljlgdo d"Nof+sg ;dfof]hg k"j{_**

h_ ljb]zL ljlgdo d"Nof+sg --3f6f_

em_ v'b j]b]lzs ;DklQdf kl/jt{g --j[l4_ -5+h_

***

3_ s'n a}b]lzs ;DklQ -s±v_

tflnsf !*

a}lsË If]q;Fu /x]sf] s'n ljb]zL ljlgdo ;l~rlt

k|ltzt kl/jt{g

-c;f/ –h]7_

v_ a}+s tyf ljQLo ;+:yf*


-/sd s/f]8df_

cd]l/sL 8n/

s/f]8df?= s/f]8df

cd]l/sL 8n/

s/f]8df?= s/f]8df

cd]l/sL 8n/

s/f]8df?= s/f]8df

cd]l/sL 8n/

s/f]8df?= s/f]8df

cd]l/sL 8n/

s/f]8df?= s/f]8df

cd]l/sL 8n/

s/f]8df?= s/f]8df ef? Vl/b

cd]l/sL 8n/

laqmLef? Vl/b

cd]l/sL 8n/

laqmL

;fpg 15.8 1,740.5 7.0 771.9 8.8 968.7 18.2 2,052.1 0.4 40.9 17.9 2,011.2 2,204.0 32.0 2,925.5 42.0

ebf} 19.2 2,178.4 - - 19.2 2,178.4 28.2 3,234.5 - - 28.2 3,234.5 2,842.2 40.0 2,581.0 36.0

c;f]h 41.9 4,928.2 - - 41.9 4,928.2 43.8 4,976.1 - - 43.8 4,976.1 2,202.6 30.0 1,992.4 28.0

sflQs 18.0 2,110.7 - - 18.0 2,110.7 30.2 3,433.8 - - 30.2 3,433.8 2,632.0 36.0 2,561.3 36.0

d+l;/ 21.8 2,477.9 - - 21.8 2,477.9 21.9 2,502.8 - - 21.9 2,502.8 2,545.7 36.0 2,289.2 32.0

k'; 29.9 3,364.9 - - 29.9 3,364.9 27.9 3,181.5 - - 27.9 3,181.5 2,970.9 42.4 1,997.3 28.0

df3 32.8 3,736.8 - - 32.8 3,736.8 31.7 3,605.9 - - 31.7 3,605.9 2,279.7 32.0 2,845.2 40.0

kmfu'g 24.6 2,790.4 - - 24.6 2,790.4 47.9 5,572.1 - - 47.9 5,572.1 2,412.0 34.0 2,597.3 36.0

r}t 24.1 2,665.9 - - 24.1 2,665.9 16.7 2,005.4 - - 16.7 2,005.4 2,346.2 34.0 2,091.3 28.0

a}zfv 35.8 3,986.3 - - 35.8 3,986.3 34.1 4,141.8 - - 34.1 4,141.8 2,364.8 34.0 915.9 12.0

h]7 34.7 3,864.1 - - 34.7 3,864.1 58.0 7,010.9 - - 58.0 7,010.9 2,783.0 40.0 2,267.7 30.0

c;f/ 27.3 3,018.7 - - 27.3 3,018.7 62.5 7,548.0 - - 62.5 7,548.0 2,349.4 34.0 2,569.1 34.0

325.9 36,862.8 7.0 771.9 318.9 36,091.0 421.0 49,265.0 0.4 40.9 420.6 49,224.2 29,932.7 424.4 27,633.2 382.0

tflnsf !(

ljb]zL d'b|f vl/b÷laqmL

kl/jTo{ ljb]zL d'b|f vl/b÷ laqmL

@)&%÷&^ @)&^÷&&

ef?= vl/b

v'b t/ntf k|jfx÷k|zf]rg

@)&%÷&^ @)&^÷&&

dlxgf vl/b laqmL v'b t/ntf k|jfx÷k|zf]rg vl/b laqmL