l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx?nfO · x jflif{s k |ltj ]bg 2065÷66 – –

1 jflif{s k|ltj]bg 2065÷66

l;4fy{ a}+s lnld6]8sf z]o/wgL dxfg'efjx?nfO{cf7f}+ jflif{s ;fwf/0f;efsf] ;"rgf

>L z]o/wgL dxfg'efjx¿,

o; a}+ssf] ldlt @)^^÷)*÷@( ut]sf lbg a;]sf] ;~rfns ;ldltsf] !#) cf}+ a}7ssf] lg0f{ofg';f/ cf7f}+ jflif{s ;fwf/0f ;ef lgDg lnlvt :yfg tyf ldltdf lgDg ljifox? pk/ 5nkmn tyf lg0f{o ug{ j:g] ePs]fn] ;Dk'0f{ z]o/wgL dxfg'efjx?sf] pkl:ytLsf nflu cg'/f]w ul/G5 .

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

ldlt M @)^^ ;fn kf}if @& ut] ;f]daf/ -tb\cg';f/ hgj/L !!, @)!)_

:yfg M /fli6«o ;ef u[x, sf7df8f}+

;ef z'? x'g] ;do M ljxfg !!M)) ah]

pkl:ylt k'l:tsf ljxfg (M)) ah] b]lv g} v'Nnf /flvg] 5 .

5nkmnsf ljifox? M

-s_ ;fdfGo k|:tfj

!= ;~rfns ;ldltsf] jflif{s k|ltj]bg @)^%÷^^ kfl/t ug]{ .

@= n]vfk/LIfssf] k|ltj]bg ;lxt @)^^ cfiff9 d;fGtsf] jf;nft / ldlt @)^% >fj0f ! b]lv @)^^ cfiff9 d;fGt ;Ddsf] gfkmf

gf]S;fg tyf cfo Aoo laj/0f;DaGwdf .

#= a}+s tyf ljlQo ;+:yf ;DjlGw P]g @)^# sf] bkmf ^) tyf sDkgL P]g @)^# sf] bkmf !!! cg';f/ cfly{s jif{ @)^^÷)^&

sf] nflu n]vfk/LIfssf] lgo"lQm ug]{ / lghsf] kfl/>lds tf]Sg] . -b|i6AoM xfn jxfnjfnf n]vfk/LIfs >L l6=cf/=pkfWofo P08

sDkgL, rf6{8 Psfp06]G6\; k'gM lgol'Qmsf nflu of]Uo x'g'x'G5 ._

-v_ ljz]if k|:tfj

!= @)^^ cfiff9 d;fGtdf ;dfKt ePsf] jif{sf] d'gfkmf tyf k"“hL ;dfof]hg sf]ifsf] /sd ;d]tjf6 !%∞ sf b/n] jf]gz z]o/ k|bfg

ug]{ / ;f] sf] s/ jfkt ?= &,%!&,#^* gub nfef+z ;d]t l:js[t ug]{ .

@= k|jGwkq tyf lgodfjnLdf z+;f]wg ug]{ ;DjlGw k|:tfj kfl/t ug]{ .

-u_ ;j{;fwf/0f z]o/wgL;d"xsf] tkm{jf6 lgjf{lrt x'g] # hgf ;+rfnsx?sf] lgjf{rg .

-#_ ljljw

;~rfns ;ldltsf] cf1fn]

sDkgL ;lrj


;fwf/0f;ef;DaGwL ;+lIfKt hfgsf/L-!_ a}+ssf] z]o/ bflvn vf/]hsf] sfd ldtL @)^^÷(÷!@ ut] b]lv @)^^÷(÷!# ;Dd aGb /xg]5 .-@_ a}+sjf6 jflif{s ;fwf/0f ;efdf 5nkmn x'g] ljifox? ;lxtsf] ;'rgf z]o/wgL dxfg'efjx?sf] 7]ufgfdf x'nfs÷s'l/o/af6 lgs6

eljiodf k7fOg] 5 . s'g} z]o/wgL dxfg'efjx?n] pQm ;"rgf gkfpg' ePdf o;} ;"rgfsf] cfwf/df ;fwf/0f ;efsf] a}7sdf pkl:yt x'g cg'/f]w ul/G5 . ;fy} jflif{s k|ltj]bgsf] nflu a}+ssf] j]j;fO6 www.siddharthabank.com x]g'{x'g jf a}+ssf] k|wfg sfof{no, sdnfbL, sf7df8f}+df ;Dks{ /fVg'x'g cg'/f]w ul/G5 .

-#_ ;efdf efu lng jf dtbfg ug{sf nflu k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] ;f] ;DjGwL lgj]bg @)^^ ;fn kf}if @% ut] ;fwf/0f;ef z'? x'g' eGbf $* 306f klxn] cyf{t @)^^ ;fn kf}if @% ut] laxfg !!M)) ah]leq l;4fy{ a}+s lnld6]8, sdnfbLdf btf{ u/fO{ ;Sg'kg]{5 . k|ltlglwkq -k|f]S;L_ k|rlnt sDkgL sfg'gn] tf]s]sf] 9f+rfdf x'g' kg]{5 .

-$_ Ps hgf z]o/wgLn] Ps eGbf j9LnfO{ k|ltlglw -k|f]S;L_ d's// u/]df k|ltlglw -k|f]S;L_ :jtM ab/ x'g]5 . t/ k|ltlglw -k|f]S;L_ lbg] z]o/wgLn] cfkm'n] cl3 lbPsf] k|ltlglw -k|f]S;L_ jb/ u/]sf] Joxf]/f :ki6 pNn]v u/L 5'§} lgj]bg lbO csf]{ z]o/wgLnfO{ k|ltlglw -k|f]S;L_ lgo'Qm k|ltlglw -k|f]S;L_ n] ;efdf efu lng / dtbfg ug{ kfpg] 5 . o:tf] cj:yfdf cl3Nnf] k|ltlglw -k|f]S;L_ :jtM ab/ ePsf] dflgg]5 .

-%_ k|ltlglw d's// ubf{ ;Dk"0f{ z]o/sf] k|ltlglw Ps} JolQmnfO{ jf ljleGg JolQmx?nfO{ cfkm";“u ePsf] s'n z]o/ a/fa/ vl08s/0f ul/ lbg ;lsg] 5 .

-^_ gfjfns jf dfgl;s ;Gt'ng l7s gePsf] z]o/wgLsf] tkm{af6 a}+ssf] z]o/ nut lstfadf ;+/Ifssf] ?kdf gfd btf{ JolQmn]

;efdf efu lng jf dtbfgdf ug{ jf k|ltlglw tf]Sg ;Sg'x'g]5 .

-&_ 5nkmnsf] laifo cGtu{t ljljw zLif{ssf] ;DjGwdf z]o/wgL dxfg'efjx?n] s'g} ljifo pk/ 5nkmn ug{ rfxg'ePdf ;f] ljifojf/]

;ef x'g'eGbf -&_ lbg cufj} sDkgL ;lrj dfkm{t o; a}+ssf k|d'v sfo{sf/L clws[tnfO{ lnlvt hfgsf/L lbg'kg]{5 .

-*_ z]o/egL dxfg'efjx?jf6 p7]sf k|Zg, lh1f;f jf dGtJox?sf] ;DjGwdf ;+rfns ;ldltsf] tkm{jf6 cWoIf jf cWoIfjf6 cg'dlt

k|fKt JolQmn] hjfkm lbg'x'g]5 .

-(_ ;efdf efu lng OR5's z]o/wgL dxfg'efjn] JolQmut k7fOPsf] ;"rgf ;fy ;+nUg k|j]z kqsf ;fy} z]o/ k|df0fkq / cfk\mgf]

kl/ro v'Ng] k|df0f -h:t} gful/stf k|df0fkq jf cGo s'g} kl/rokq_ clgjfo{ ?kdf ;fydf lnO{ cfpg'x'g cg'/f]w 5 . cGoyf

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

-!)_ ;efdf efu lng] k|To]s z]o/wgL dxfg'efjn] ;ef x'g] :yfgdf pkl:yt eO{ Toxf+ /x]sf] xflh/L k'l:tsfdf b:tvt ug'{kg]{5 .

gf]6M lgjf{rg sfo{qmd ;DjGwL hfgsf/Lsf] nflu l;4fy{ a}+s lnld6]8sf] k|wfg sfof{nodf /x]sf] lgjf{rg clws[tsf] sfof{nodf

;Dks{ /fVg'x'g cg'/f]w ul/G5 .b|i6Jo M o; a}+ssf] cf7f}+ ;fwf/0f ;ef k|of]hg tyf ;ftf}+ ;fwf/0f;efjf6 kfl/t eP adf]lhd a}+ssf z]o/wgLx?nfO{ @M! sf] cg'kftdf

-ljBdfg @ lsQf ;fwf/0f z]o/ a/fa/ gof““ ! lsQf ;fwf/0f z]o/sf] b/n]_ xsk|b ;fwf/0f z]o/x? lgisfzg ug]{ k|of]hgsf

nflu ldlt @)^^÷(÷!@ b]lv @)^^÷(÷!# ;Dd a}+ssf] z]o/wgL btf{ k'l:tsf aGb ul/g] Joxf]/f ;Dk"0f{ z]o/wgL tyf ;DjlGwt ;j}df hfgsf/Lsf] nflu ;"lrt ub{5f}+ .


;fwf/0f ;efdf dtbfg ug{ cfkm\gf] k|ltlglw lgo'Qm ug]{ lgj]bg

>L ;~rfns ;ldlt

l;4fy{ a}+s lnld6]8

sdnfbL, sf7df8f}“ .

ljifoM k|ltlglw lgo'Qm u/]sf]af/] .dxfzo,

=============================lhNnf==================================================d=g=kf=÷g=kf=÷uf=lj=;= j8f g+= ==========……========== a:g] d÷xfdL ===================================================================n] To; a}+ssf] z]o/wgLsf] x}l;otn] ldlt @)^^ ;fn kf}if @& ut] ;f]daf/sf lbg x'g] cf7f}+ jflif{s ;fwf/0f ;efdf :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsfn] pQm ;efdf efu lng tyf dtbfg ug{sf nflu ============================lhNnf ================================d=g=kf=÷g=kf=÷uf=lj=;=j8f g+= =======a:g] To; sDkgLsf z]o/wgL >L ===================================================== -z]o/ k|df0fkq÷z]o/wgL g+======…======_ nfO{ d]/f]÷xfd|f] k|ltlglw dgf]lgt u/L k7fPsf] 5'÷5f}+ .

lgj]bs

b:tvtM

gfdM

7]ufgfM

z]o/ k|df0f kq g+=÷z]o/wgL g+= ………………………

lsQf g+= ………………… b]lv ………………… ;Dd

hDdf z]o/ ;+VofM

ldltM

b|i6Jo M of] lgj]bg ;fwf/0f;ef x'g'eGbf sDtLdf $* 306f cufj} o; a}+ssf] s]lGb|o sfof{no sdnfbL sf7df8f}“df k]z u/L ;Sg'kg]{5 .

k|j]z kq

z]o/wgLsf] gfdM >L==================================================================z]o/ k|df0fkq g+=÷z]o/wgL g+= M………………………………z]o/ ;+VofM ……………………………

l;4fy{ a}+s lnld6]8sf] cf7f}“ jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] k|j]z kq

=========================== ==========================z]o/wgLsf] x:tfIf/ sDkgL ;lrj

-;efdf efu lng cfp“bf of] k|j]z–kqdf gfd, b:tvt, z]o/sf] k|=k=g+=÷z]o/wgL g+= tyf s'n z]o/ ;+Vof pNn]v u/L ;fy} lnO{ cfpg' clgjfo{ 5 ._



ljifo ;"rLcf7f}+ jflif{s ;fwf/0f;efsf] ;"rgf

!;fwf/0f;ef;DaGwL ;+lIfKt hfgsf/L

@;~rfns ;ldltsf] jflif{s k|ltj]bg

^n]vfk/LIfssf] k|ltj]bg

!$jf;nft

!%gfkmf gf]S;fg lx;fa

!^gfkmf gf]S;fg af“8kmf“6 lx;fa

!&OSjL6Ldf ePsf] kl/jt{g;DaGwL ljj/0f

!*gub k|jfx ljj/0f

!(cg';"rLx¿

@)n]vf;DaGwL dxŒjk"0f{ gLltx¿

$*n]vf;DaGwL l6Kk0fLx¿

%!Basel II ;DaGwL ljj/0f

%%g]kfn /fi6« a}+ssf] lgb]{zg

^!k|aGwkq tyf lgofdfjnLsf] k|:tfljt ;+zf]wg

^@l6kf]6^$

lgIf]k ld>0f

shf{ ld>0f

sf]ifsf >f]tx?

sf]ifsf] pkof]u

ljQLo emnsx?


l;4fy{ a}+s lnld6]8

;~rfns ;ldltsf] jflif{s k|ltj]bg

cfly{s jif{ @)^%÷^^

cfb/l0fo z]o/wgL dxfg'efjx?,

o; l;$fy{ a}+ssf] cf&f}+ jflif{s ;fwf/)F ;efdf d oxf“ pkl:yt ;Dkú)F{ dxfgÚefjx?, cfuGtÚs kbflwsf/LHoúx? tyf sd{rf/L ;fyLx?nfO{ xflb{s :jfut tyf clejfbg ub{%Ú . ljZjJofkL cfly{s dGbL / b]z leqsf] ptf/r(fjsf] jfjhÚb a}+ssf] ;ldIff cf=j= 2065÷66 sf] jflif{s k|ltj]bg / a}+sn] rfnÚjif{sf] xfn;Dddf xfl;n u/]sf] pknJwLx? ;+tf]ifhgs /x]sf] % / ;f] ljj/)Fx? oxf“x? ;dIF /fVg kfp+bf cfkmúnfO{ uf}/jflGjt dx;ú; u/]sf] %Ú .

cGt/fli6«o cfly{s ultljlwx?

ut cf=j= sf] zÚ?jf^ b]vfk/]sf] cGt/fli «̂o cfly{s dGbLsf] k|efj ;ldIFf jif{sf] cGTo;Dd sfod} /x\of] . o; cjlwdf ljZjJofkL ?kdf lgs} ;Ú/lIFt / bx|f] dflgPsf a}+s nufot cGo Jofj;flos IF]qx? ;d]t ^f^ kN^g] l:ytLdf kÚu] / o;sf] k|efj vf;u/L cd]l/sf, oú/f]k xÚb} Pl;ofnL dÚnÚsx?df klg b]vfk/\of] . t/ ;dodfg} ;hu eP/ ljZj ;dÚbfon] PshÚ^ eO{ ljleGg df}lb|s gLltx?sf] sfof{Gjog Pj+ cfly{s ;xof]u u/]sfn] o; dGbLjf^ ljZj cy{tGq kú)F{ ?kdf w/f;fxL xÚgjf^ hf]lug kÚUof] . xfd|f] b]zdf ljZj cfly{s dGbLsf] k|ToIF k|efj cNksfndf gk/] klg a}b]lzs /f]huf/Lsf cj;/x?df cfPsf] dGbL, lgof{t Jofkf/df xÚg uPsf] sdLn] ubf{ lb#{sfndf xfd|f] cy{tGqdf klg o:sf] k|ltsún k|efj kg]{ :ki^ % .

/fli6«o cy{tGq

;ldIFf jif{df ePsf] l(nf dg;Úg, v*]/L, jfl(klx/f], cltj[i^L h:tf k|ltsún df};dsf] sf/)fjf^ s[lif IF]qsf] pTkfbsTj j[l$ b/df vf; pNn]vlgo j[l$ xÚg ;s]g eg] ljBÚt cfkÚlt{df sdL, jGb x*\tfn h:tf ;d:ofn] ubf{ u}x| s[lif pTkfbsTj klg ck]lIft ?kdf j[l$ xÚg ;s]g . o;} cgÚ?k cf=j= 2064÷65 df 5=3∞ j[l$ ePsf] sún u|fx:y pTkfbg ;ldIFf cjlwdf 3=9∞ dfq j(\g] cgÚdfg ul/Psf] % . o;df s[lif If]q 2=2∞ / u|}x| s[lif IF]q 4=8∞ n] dfq j[l$ ePsf] cgÚdfg % .

j}b]lzs Jofkf/

;ldIFf jif{df sún lgof{t sl/j 16∞ n] j(]sf] % . sún lgof{t dWo] cGo dÚnÚs tkm{sf] lgof{t 28=8∞ n] j[l$ ePsf] % eg] ef/t tkm{sf] lgof{t 8=5∞ n] j[l$ ePsf] % . cGo dÚnÚs tkm{ vf;u/L x:tsnfsf ;/–;fdfgx?, h*LjÚ^L, klZdgf, un}rf, bfn h:tf ;fdfgx? tyf ef/t tkm{ dÚVotof hÚQf rKkn, sk*f, tof/L kf]zfs, hL=cfO{= kfO{ksf] lgof{tdf ePsf] j[l$n] ubf{ Jofkf/ j[l$ ePsf] b]lvG% .

o;}u/L cfoft tkm{ ef/tjf^ xÚg] cfoftdf cl#Nnf] cf=j= eGbf ;ldIff jif{df sl/j 13∞ n] j[l$ ePsf] % eg] cGo dÚnÚsjf^ xÚg] cfoft ut jif{sf] 0=5∞ sf] j[l$df nfdf] %nfé dfb}{ ;ldIff jif{df 50=5∞ b/n] pRr j[l$ ePsf] % . ef/ttkm{sf] cfoftdf j[l$ xÚgÚdf vf;u/L ;jf/L ;fwg tyf ltgsf kf {̂kúhf{x?, d]lzg/L, l;d]G^, cf}ifwL, nQfsk*f, lrgL, lzzÚ cfxf/ / bÚUw kl/sf/x? /x]sf %g\ eg] cGo dÚnÚs tkm{ j[l$ ePsf ;fdfgx?df ;úg cfoftdf pRr j[l$ /xgÚsf ;fy} ljBÚtLo ;fdfu|Lx?, :^Ln, sRrf e^df;sf] t]n, nQf sk*f, vfg] t]n, Knfli^s bfgf, k] «̂f]lnod kbfy{, pkrf/ ;fdu|L tyf pks/)F, sRrf pmg, ^]lnlehg, Jof «̂L tyf tof/L kf];fs cflb kb{%g\ .

zf]wfgfGt/ l:ytL

ut cf=j= df 16 cj{sf] xf/fxf/Ldf /x]sf] zf]wfgfGt/ jrt ;ldIFf jif{df sl/j 40 cj{ /x]sf] % . eÚQmfgL ;GtÚng jrt xÚg"sf] dÚVo sf/)F ljk|]if)f g} /x\of] . ;ldIff jif{sf] sÚn ljb]zL ;+lrlt sl/j 12 dlxgfsf] cfoft / sl/j 10 dlxgfsf] j:tÚ tyf ;]jfsf] cfoft wfGg kof{Kt /x]sf] % .

d"No ;"rsf°

;ldIFf jif{df jflif{s ljGbÚut cfwf/df ;du| pkef]Qmf dÚb|fl:kmtL 12=3∞ /x\of] . o; cjlwdf vfB tyf k]o kbfy{ ;dúxsf] dúNo ;úrsf° 19∞ n] j[l$ ePsf] / u}x| vfB tyf ;]jf ;dúxsf] dúNo ;úrsf° 5=1∞ n] j[l$ ePsf] % .


jfl0FHo a}+sx?sf] ;fwg tyf ;|F]t

;ldIFf jif{df jfl)FHo a}+sx?sf] sún lgIF]k bfloTj 20=9∞ n] j[l$ eO{ ? 509 cj{ 60 s/f]* kÚu]sf] % . o;df dÚ@tL tkm{ 29=6∞ / jrt tkm{ 18=6∞ n] j[l$ ePsf] % . o;} u/L ;ldIff cjlwdf shf{ k|jfx tkm{ lghL If]qdf 27∞ n] j[l$ ePsf] % eg] IF]qut shf{ tkm{ pTkfbg tkm{ 14=2∞ / lgdf{)F IF]q tkm{ qmdz 36=2∞ n] j[l$ ePsf] % . o;/L g} yf]s tyf vÚb|f Jofkf/ tkm{ 17=5∞ / ;]jf IF]qtkm{ 9∞ n] j[l$ ePsf] % .

;ldIFf jif{ cf=j= @)^%÷^^ df a}+ssf] sf/f]jf/sf] l;+xfjnf]sg

/fli «̂o cy{tGqn] ultlzntf lng g;ls cfly{s ljsfzn] &F]; ult lng g;s]sf] cj:yf tyf cGt/fli^«o ?kdf b]vfk/]sf] lzlyntfsf] jfjhÚb o; a}+sn] ;ldIff cjlwdf xfl;n u/]sf pknJwLx? ;Gtf]ifhgs /x]sf] % . b]zsf] ;du| cfly{s ;Úrsf°x? dWo] sltko ;Úrsf° gsf/fTds xÚbf xÚb} klg ;ldIFf jif{df a}+sn] Jofkf/sf ;a} k|d"v If]qx?df pNn]vlgo j[l$ xfl;n ug{ ;Ifd /x\of] .

;ldIFf jif{ / ut jif{df a}+sn] xfl;n u/]sf] t'ngfTds Joj;flos ;kmntfnfO{ ;+IF]kdf tn pNn]v ul/Psf] % M

?= s/f]*df

ljj/)fljj/)f cfiff( d;fGt cfiff( d;fGt

20652065

cfiff( d;fGt cfiff( d;fGt

20662066 j[l$ ∞j[l$ ∞

sÚn h]yf 106=80 127=90 20

lgIF]k 1,019=10 1,585=50 56

shf{ tyf ;fk^ 948=10 1,350=50 42

nufgL 173=50 266=10 53

Jofh cfDbfgL 73=00 126=60 73

Jofh vr{ 40=80 81=40 100

vÚb Jofh cfDbfgL 32=20 45=20 40

cGo cfDbfgL 8=40 11=80 40

cGo vr{ 12=00 19=40 62

gf]S;fgL Joj:yf, af]g; tyf s/ cl#sf] gfkmf 28=70 37=50 31

s/kl%sf] vÚb gfkmf -gf]S;fg_ 14=30 21=8 52

a}+ssf] s'n lgIf]k / shf{ tyf ;fk^sf] ;di^Lut sf/f]jf/df ;ldIff jif{sf] zÚ? af^ 49∞ n] j[l$ eO{ sl/j ?=20 cj{ jf^ ?= 29 cj{ kÚUg ;kmn ePsf] % . o;}u/L lgIF]k tkm{ 56∞ n] j[l$ eO{ ?= 10 cj{ 19 s/f]* jf^ ?= 15 cj{ 86 s/f]* kÚu]sf] % . shf{ tyf ;fk^ tkm{ 42∞ n] j[l$ eO{ ?= 9 cj{ 48 s/f]* jf^ ?= 13 cj{ 51 s/f]*df kÚUg ;kmn ePsf] % . nufgLtkm{ ut jif{sf] t'ngfdf ;dLIff jif{df 53∞ n] j[l$ eO{ ?= 2 ca{ 66 s/f]* k'u]sf] % .

1,800

1,600

1,400

1,200

1,000

800

600

400

200

–

?. s

/f]*df

lgIf]k

129.10246.20

391.80

662.50

1,019.10

1,585.50 1,600

1,400

1,200

1,000

800

600

400

200

–

?. s

/f]*df

s'n shf{, ;fk6 tyf lan vl/b

148.40

257.10

378.90

632.00

948.10

1,350.50


z]o/wgLx?sf] sf]if

a}+ssf] a(\bf] Joj;fonfO{ lg/Gt/tf lbg cfjZos k"“hL kof{Kttfsf] nflu ;ldIff jif{df ?= 12 s/f]* 42 nfv a/fa/sf] af]g; ;]o/ hf/L ul/Psf] lyof] h;sf] kmn:j?k ut cfiff( d;fGtdf a}+ssf] rÚQmf k"“hL ?= 95 s/f]* 22 nfv kÚu]sf] lyof] . o; cfly{s jif{df a}+ssf] s'n h]yf ut jif{sf] t'ngfdf ?= 21 s/f]* 10 nfvn] j[l$ eO{ ?=1 ca{ 27 s/f]* 90 nfv kÚu]sf] % . a}+ssf] k"“hLsf]if kof{Kttfsf] cg'kft g]kfn /fi «̂ a}+sn] tf]s]sf] af;n 2 adf]lhdsf] dfkb)* cg';f/ k|fylds k"“hLsf] 8=26∞ / s'n k"“hLsf] 10=69∞ /x]sf] %, hÚg g]kfn /fi «̂ a}+sn] o; jif{sf] nflu lgwf{/)f u/]sf] Joj:yf -k|fylds k"“hLsf] 6∞ / s'n k"“hLsf] 10∞_ eGbf a(L % . g]kfn /fi «̂ a}+ssf] k"“hL j[lå ;DaGwL lgltcg';f/ a}+sn] k|To]s jif{ r'Qmf k"“hL j[lå ug'{kg]{ Joj:yfcg';f/ o; cl# Joj:yf ul/Psf] k"“hL ;dfof]hg sf]if ;d]tnfO{ pkof]u u/L z]o/wgL dxfg'efjx?nfO{ 15∞ sf b/n] cyf{t\ 20 lsQf z]o/ jfkt 3 lsQf a/fa/ jf]g; z]o/ hf/L u/L ?= 14 s/f]* 28 nfv 30 xhf/n] r'Qmf k"“hL j[lå ug]{ k|:tfj ul/Psf] % .

k|lt z]o/ cfDbfgL

k|lt z]o/ cfDbfgL ut jif{sf] ?= 17=29 af^ yk ;'wf/ eO{ ?= 22=89 sfod ePsf] % .

z]o/sf] ahf/ d"No

ut jif{ eGbf ;ldIff jif{df ;du| k"“hL ahf/df b]lvPsf] ptf/r(fj ;“u;“u} o; a}+ssf] z]o/ d"Nodf klg ptf/r(fj eO{g}/Ùof] .

Aofh cfDbfgL

a}+ssf] Jofh cfDbfgLdf ut jif{ eGbf 73∞ sf] pNn]vlgo j[l$ eO{ ? 73 s/f]* jf^ ?= 1 cj{ 27 s/f]* k"u]sf] % .

cGo cfDbfgL

cGo cfDbfgL tkm{ ut jif{sf] t'ngfdf 40∞ n] j[l$ eO{ ? 8 s/f]* 40 nfv af^ ?= 11 s/f]* 80 nfv kÚu]sf] % .

s'n cfDbfgL

a}+ssf] sún cfDbfgLdf 70∞ n] j[l$ eO{ ?= 81 s/f]* 40 nfv jf^ ?= 1 cj{ 38 s/f]* 40 nfv kÚu]sf] % .

v'b Jofh cfDbfgL

vÚb Jofh cfDbfgL 40∞ n] j[l$ eO{ ?= 32 s/f]* 20 nfv jf^ ?= 45 s/f]* 20 nfv kÚUg ;kmn ePsf] % .

s'n h]yf140

120

100

80

60

40

20

-

?. s

/f]*df

127.90

106.80

79.40

60.30

38.8031.80

z]o/sf] ahf/ d'No

ahf/ d

'No ?

=

kf}if @)^# cfiff9 @)^$ cfiff9 @)^% cflZjg @)^% kf}if @)^% r}q @)^% cfiff9 @)^^ cflZjg @)^^

k|lt z]o/ cfDbfgL

@)^!÷^@ @)^@÷^# @)^#÷^$ @)^$÷^% @)^%÷^^

@)^)÷^!


gf]S;fgL Joj:yf cl3sf] ;+rfng gfkmf

;ldIff jif{df a}+ssf] ;+rfng dÚgfkmfdf 31∞ n] j[l$ eO{ ?= 37 s/f]* 50 nfv kÚu]sf] % . lgIf]kdf lbOg] Jofh b/df eO/x]sf] lg/Gt/ a[l¢ Pj+ pko'Qm Jofj;flos jftfj/)fsf] cefjsf jfjhÚb klg a}+sn] cfkmgf] dÚgfkmfdf pNn]vlgo j[l$ ug{ ;kmn ePsf] % .

v'b d'gfkmf

ut jif{sf] vÚb dÚgfkmf ?= 14 s/f]* 30 nfv df 52∞ sf] j[l$ xfl;n ul/ ;ldIff jif{df a}+sn] ?= 21 s/f]* 80 nfv sf] v'b d'gfkmf cfh{g ug{ ;kmn ePsf] % .

;DklQdf u'0F:t/

a} +sn] cfkmgf ] :yfkgfsfnb]lv g} shf{sf ] uÚ)f:t/ sfod /fVg shf{ Joj:yfkgsf ljljw /)FgLltx? cjn+jg ub}{ cfO/x]sf] kl/)ffd kmn:j?k ;ldIFf jif{df a}+ssf] s'n shf{df lgis[o shf{sf] cg'kft ut jif{sf] eGbf 0=69∞ df ;"wf/ eO{ 0=45∞ sfod ePsf] % . o;}u/L a}+sn] eljiodf cfO{kg{;Sg] ;DefJo gf]S;fgLsf] nflu k|of{Kt gf]S;fgL Joj:yf sf]ifsf] Joj:yf u/]sf] % . a}+ssf] sún gf]S;fgL Joj:yf sf]if lgis[o ;DklQsf] 292∞ /x]sf] % .

lgIF]ksf] nfut

;ldIFf jif{df b]zdf tÚngfTds ?kdf t/ntfdf sld cfO{ sÚn lgIf]k nfutdf j[l$ ugÚ{kg]{ jfWotfn] ubf{ a}+sn] ljleGg vftfdf lbOg] Jofhb/df ul/Psf] j[l$jf^ lgIF]ksf] nfut ut jif{sf] 4=67∞ df j[l$ eO{ 5=87∞ sfod /x\of] .

shf{sf] cf}ift Jofhb/ Pj+ v'b Jofh cfo

;ldIFf jif{df shf{sf] cf};t Jofhb/ ut jif{sf] 8=38∞ df j[l¢ eO{ 9=33∞ sfod /x\of] . cGt/f{li^«o hutdf b]lvPsf] cfly{s lzlyntf ;“u} To;af^ k/]sf] gsf/fTds c;/ Pj+ b]zdf b]lvPsf] /fhlglts t/ntfsf] sf/)faf^ ;ldIff jif{ cf}Bf]lus Pj+ Jofkfl/s If]qsf] nflu pT;fxhgs b]lvPg . To;df klg gof““ a}+s tyf ljlQo ;+:yfx?sf] cfudg ;“u} a}+lsé k|lt:kwf{df tLa| ljsf; x"g"sf ;fy} lgIf]kdf lbO{g] Jofhb/df lg/Gt/ j[l$sf sf/)f ;ldIff cjlwsf] v"b Jofh cfodf 0=25∞ n] ;+s"rg cfPsf] % .

rfn' cfly{s jif{sf] ljlQo l:ytL tyf nIo

a}+sn] cfkmgf] sf/f]jf/df j[l$ ;“u} o; jif{ sl/j ?=48 s/f]*sf] xf/fxf/Ldf ;+rfng dÚgfkmf ug]{ nIo /fv]sf] % / rfnÚ cfly{s jif{ 2066÷67 sf] tLg dlxgfdf a}+ssf] ljQLo cj:yf lgDg cgÚ;f/ /x]sf] % M

-?=s/f]*df_

ljj/)fljj/)f 2065 cflZjg 2065 cflZjg d;fGt;Ddd;fGt;Dd

2066 cflZjg 2066 cflZjg d;fGt;Ddd;fGt;Dd

j[l$-∞_j[l$-∞_

sÚn h]yf 112=70 148=20 32

lgIf]k 1,081=6 1,580=60 46

sÚn shf{, cf]e/ *«fkm\^ / laN; vl/b 1,144=20 1,497=90 31

nufgL -dfu / cNk;'rgfdf k|fKt xÚg] /sd_ 158=50 230=90 46

;+rfng gfkmf 9=30 11=70 26

;+rfng gfkmf -gf]S;fgL Aoj:yf k%fl*_ 8=10 10=00 22

?= b

z n

fvdf

gf]S;fgL Joj:yf cl3sf] ;+rfng gf˚f40

35

30

25

20

15

10

5

–

?. s

/f]*df

4.60

9.7011.70

17.40

28.70

37.50

;DklQsf] u'0f:t/

lgis[o shf{)=$%

;s[o shf{((=%%


a}+s tyf ljlQo ;+:yfx?sf] ;+Vofdf eO/x]sf] j[l$sf] kmnZj?k j(\b} uPsf] k|lt:kwf{sf sf/)F lgIf]ksf] Jofhb/df ePsf] pRr j[l$sf] tÚngfdf a}+sn] lng] Jofh Pj+ ;]jf zÚNsx?df cfjZos dfqfdf j[l$ xÚg g;ls/x]sf] kl/k|]Iodf o; a}+sn] rfnÚ cfly{s jif{sf] xfn;Dddf xfl;n u/]sf] k|ult ;Gtf]ifk|b g} /x]sf] % .

sfo{ ;ldIFf / a}+ssf] efjL of]hgfx?

zfvf lj:tf/

;ldIFf jif{df cfkmgf] sfof{no ;~hfn lj:tf/ u/L cfdhgtfdf a}+lsé ;]jfsf] kxÚ“r kÚ¥ofpg] p@]Zon] a}+sn] ljz]ifu/L klZrd g]kfn tkm{ cfkmgf zfvfx? yk u/L cfkmgf] zfvf 15 j^F kÚ¥ofPsf] % eg] sf&df)*F}+ pkTosfdf sn+sL, ;ftbf]jf^f], af}$, u+uaÚ, ltgsÚg], &d]n nufotsf &fp“x?sf ;fy} b]zsf ljleGg :yfgx? h:t} hgskú/, w/fg, l;GwÚnL, jlb{jf;, #f]/fxL, tÚN;Lkú/, g]kfnu+h, jflnédf zfvfx? :yfkgf ul/ of] cfly{s jif{df a}+ssf] zfvf sfof{nox? 40 kÚ¥ofpg ltj|tfsf ;fy cfjZos ef}lts kújf{wf/ lgdf{)F ug]{ sfo{ eO{/x]sf] % .

gof““ klxrfg, nf]uf] tyf /+u

cfkmgf u|fxsx? jLr a}+ssf] klxrfgnfO{ cem k|efjsf/L ?kdf :yflkt ug{ ;lsof];\ eGg] clek|fon] a}+sn] gof“+ /+udf lgdf{)f ul/Psf] nf]uf] k|of]udf NofPsf] % . a}+sn] cfkm\gf] dúVo sfof{no sl/j 23,000 ju{ lkm^sf] xflQ;f/ l:yt gof““ ejgdf ;f/L yk ;Úljwf ;lxt u|fxsx?nfO{ Ps} &f+pjf^ cfwÚlgs a}+lsé ;]jf k|bfg ub}{% . o;/L a}+s Pp^F %Ú§} klxrfg jf]s]/ yk cfwÚlgs ;]jfx? ;lxt u|fxsx? ;dIf cfkmgf] ;]jf lj:tf/ ug{ sl^j$ % .

k|ljlw

a}+sn] k|of]u ub}{ cfPsf] df}hÚbf a}+lsé ;km\^j]o/n] ;do;fk]IF ?kdf cfjZos /x]sf] u|Fxs ;]jfx? k|bfg ug{ g;s]sf] dx;Ú; u/L j(L ljZjfl;nf] Pj+ ;Ú/lIFt k|ljlw cGtu{t lgdf{)F ePsf] ljZj ljVoft Oracle Financial Services Software Limited sf] FlexCube Universal Banking Solution gfdsf] a}+lsé ;km\^j]o/ vl/b u/L ;s]sf] % eg] ;f] ;km\^j]o/df cfjZos kl/dfh{g ug]{ sfo{ e}/x]sf] % . of] ;km\^j]o/sf] k|of]ukl% a}+sn] k|bfg ug]{ ;]jfx? j(L l%^f] %l/tf] Pj+ ;Ú/lIFt xÚgÚsf ;fy} ljleGg gof““ u|fxsdÚvL of]hgfx? ;+rfngdf Nofpg j(L ;#fp kÚUg] ljZjf; ul/Psf] % .

gof““ ;]jfx?

;ldIFf jif{df klg a}+sn] cfkmgf lgIF]ksf ;]jfx?df ;do ;fk]IF ?kdf ;Úwf/ Pj+ kl/dfh{g u/L h]i& gful/s vftf, dlxnf jrt vftf, jfn jrt vftfx?df pRr Jofhb/ k|bfg ub}{ cfPsf] % . o;} u/L ljk|]if)fnfO{ cem j(L k|efjsf/L ?kdf l;$fy{ /]ld^jf^ leœofpg] nIosf ;fy eÚQmfgL s]Gb|x? yk u/L 400 sf] xf/fxf/Ldf kÚ¥ofPsf] % eg] j(L ljk|]if)F eÚQmfgL ug]{ dÚnÚsx?sf] klxrfg u/L o;sf] lj:tf/sf] nflu cfjZos u[xsfo{ e}/x]sf] % . o;/L g} a}+sn] cfkm\g} ATM ;+hfn lgdf{)F ug]{ tkm{ cu|;/ /xL sl/j 30 &fp“df ATM /fVg] nIo /fv]sf] % eg] Credit card Joj;fosf] yfngL ug{ VISA Int’l sf] Associate Membership lng] sfo{ ;DkGg eO{;s]sf] % . sf*{ Joj;fonfO{ gof““ (“ujf^ j(L ;zQm Pj+ k|efjsf/L kf/]/ cfdhgdfg;df Plastic money sf] k|of]u j(Fp“b} sf*{sf] dfWodjf^ cfwÚlgs ;]jfx? zÚ? ug]{ of]hgf /x]sf]] % .

;+:yfut ;fdflhs pQ/bfloTj

o; a}+sn] cfkmgf] nIo cgÚ;f/sf] ;+:yfut ;fdflhs pQ/bfloTj ;DjGwL cleef/fnfO{ ;b}j kú/f ub}{ cfPsf] % . ljutdf cfPsf] jf(L klx/f] h:tf] k|fs[lts ljkQL nufot :jf:Yotkm{ /Qmbfg sfo{qmd, lzIff tkm{ sDKoú^/ k|bfg ug]{ h:tf sfo{x?df ;xof]u u/]sf] % . o;} u/L jfUdtL ;kmfO{ cleofg nufot skf]{/]^ v]ns"b h:tf sfo{qmdx?df klg ;xeflutf hgfpb} cfPsf] % . a}+sn] cfufdL lbgx?df klg cfkm\gf] ;fdflhs pQ/bfloTjnfO{ cem j(L s[oflzn eO{ jxg ug]{ gLlt lnPsf] % .

dfgj ;+;fwg

zfvf lj:tf/ tyf gof““ a}+sx?sf] :yfkgfn] ubf{ a}+lsé If]qdf bIf hgzlQmsf] cefj ;[hgf e}/x]sf] % . o; kl/k|]Iodf bIF hgzlQm lgoÚlQm ug]{ tyf To:tf hgzlQmnfO{ lg/Gt/tf lbg] sfd Psbd g} hl^n jGg uPsf] % . lo ;j} sÚ/fx?nfO{ Wofgdf /fVb} a}+sn] cfkm\gf] yk Jofj;flos cfjZostfnfO{ kúlt{ ug{ cfjZos hgzlQmsf] Joj:yf u/]sf] % . o;}u/L ljBdfg hgzlQmx?nfO{ jt{dfg k|lt:kwL{ jftfj/)Fdf yk bIFtf xfl;n ug{ ;ldIff jif{df :jb]z tyf ljb]zdf ul/ 53 j^f tflndx? dfkm{t 84 hgf sd{rf/Lx?nfO{ tflnddf ;xefuL u/fO{Psf] % . cfufdL jif{x?df klg tflndnfO{ k|fyldstfsf ;fy ;+rfng ul/g] qmdnfO{ lg/Gt/tf lbOg]% .

cfGtl/s lgoGq0f k|0FfnL

Joj;fodf ePsf] j[l$ ;“u ;“u} cfO{kg]{ hf]lvdnfO{ Goúlgs/)F ug]{ tkm{ a}+sn] cfkmgf] :yfkgfsfn b]vL g} sfo{of]hgf jgfpb} cfPsf]df


o;nfO{ cem j(L ;zQm tyf ;Úb[( kf/]/ n}hfg] qmddf a}+sn] lgoGq)f tyf cgÚkfngfnfO{ cem k|efjsf/L sfof{Gjog u/fpb} cfPsf] % . Joj;foLs n]vfk/LIfs dfkm{t cfGtl/s n]vfk/LIF)F sfo{nfO{ cem k|efjsf/L jgfO{Psf] % eg] n]vfk/LIF)F k|ltj]bgsf] ;ldIFf n]vfk/LIF)F ;ldtLn] lgoldt?kdf ul//x]sf] % . cfGtl/s sfo{ ;+rfngnfO{ k|efjsf/L jgfpg cfjZos gLlt lgodx?sf] thÚ{df u/L sfof{Gjog ul/Psf] % eg] lgoGq)f / ;GtÚng k|)ffnLnfO{ cem Jojl:yt ul/Psf] % .

cf}Bf]lus tyf Joj;flos ;DjGw

a}+sn] cfkmgf u|Fxsx?nfO{ ;j}eGbf klxnf] k|Fyldstfdf /fVb} cfPsf] % / u|Fxssf rfxgf Pj+ cfjZostf cgÚ?k cfkmgf a}+lsé ;]jfx?nfO{ kl/dfh{g ub}{ u|Fxsx?sf] #/b}nf]df kÚ¥ofpg cfkmgf] sfof{no ;+hfn lj:tf/ ub}{ cfPsf] % . cfh a}+s of] cj:yfdf cfO{kÚUgÚdf xfd|F u|fxs dxfgÚefjx?sf] ljZjf; / dfof g} xf] . o; a}+s / u|fxssf] ;+jGwnfO{ cem j(L k|uf(\ Pj+ ;Úwf/ ug]{ clek|fon] g} a}+sn] cfkmgf] skf]{/]^ clkm;nfO{ ;fg{ nfu]sf] xf] . gof““ skf]{/]^ clkm;jf^ Ps}k^s w]/} u|Fxs dxfgÚefjx?n] j}lsé ;]jfx? ;/n Pj+ ;Úne tl/sfjf^ lng ;SgÚxÚg]% . a}+sn] u|fxs / a}+ssf] ;DjGwnfO{ gof““ prfO{df kÚ¥ofpg ljleGg of]hgfx? Nofpg] tof/L ul//x]sf] % .

:yfkgfsfn b]lv g} a}+ssf Joj:yfkg / sd{rf/Lx?jLr Ps cfk;df ;ÚdwÚ/ ;DjGw /xL cfPsf] % . sd{rf/Lx?jLr pQ/bfloTj / lhDd]jf/Lsf] plrt ;dfof]hg ub}{ ;fdúlxs lhDd]jf/L lng] k|j[ltsf] ljsf; ul/Psf] % . a}+ssf] sfo{ ;+rfng Pj+ Joj:yfkg ug{ cfjZos ;Úemfjx? sd{rf/L ;fyLx?jf^ ;+sng ug{ Staff Relation Committee sf] :yfkgf ul/Psf] % . o; a}+ssf ;Dkú)F{ sd{rf/L ;fyLx? a}+ssf] k|utL Pj+ pGgtLdf Ps l(Ssf eP/ xft]dfnf] ub}{ a}+snfO{ yk prfO{df kÚ¥ofpg bQlrQ eP/ nflu /xgÚ ePsf] sÚ/f oxf“ d hfgsf/L u/fpg rfxG%Ú .

a}+ssf] efjL sfo{qmdx?

a}+sn] cfkmgf] gof“+ skf]{/]^ clkm;jf^ Plss[t?kdf ;/n Pj+ ;Úne tl/sfjf^ ;Dkú)f{ a}+lsé ;]jfx? ;+rfng ug]{ .

a}+sn] clw/fHoe/ zx/ tyf u|Fld)F e]udf yk zfvf lj:tf/ u/L 40 sf] xf/fxf/Ldf zfvfx? dfkm{t cfd hgtfdf a}+ssf] kxÚr kÚ¥ofpg] .

a}+sn] cfkmg} VISA Debit tyf Credit cards, SMS/ Mobile banking, e-money h:tf Plastic paper money sf of]hgfx? nfuÚ ug]{ tyf cfkmg} ATM x?sf] ;+hfn ljsf; ug]{ .

xfn j(\bf] lgIF]k bfloTjsf] nfut sd ug{ rNtL tyf jrt vftfdf j(L hf]* lbO{ cfd hgtfnfO{ a}+lsé k|)FfnLdf Nofpg kxn ug]{ .

ljk|]if)F ;]jfnfO{ ljz]if Wofg lbO{ gof“+ gof“+ :yfgx?jf^ ljk|]if)F leœofpg ;Demf}tf ug]{ .

ljleGg ;+:yfx? ;“u ;xsfo{ ub}{ ;fdflhs pQ/bfloTjnfO{ j(L k|efjsf/L ?kdf jxg÷sfof{Gjog ug]{ .

cfkm\gf ;dsIfL a}+sx?;“u ;xsfo{ tyf ;xof]usf] efjgf clej[l$ ub}{ ljQLo IF]qdf b]lvPsf cJoj;flos k|lt:kwf{ cGTo ug{ kxn ug]{ .

a}+ssf] sfo{nfO{ c;/ kfg]{ tTjx?

gof“+ a}+sx?sf] :yfkgf tyf kÚ/fgf a}+sx?sf] zfvf lj:tf/ sfo{n] ubf{ bIf hgzlQmsf] cefj .

cfly{s lzlyntfjf^ shf{sf] ;f“jf Jofh c;ÚnLdf kg{;Sg] c;/ .

lgIF]k nfutdf ePsf] pRr j[l$sf] tÚngfdf shf{sf] Jofhdf ePsf] Goúg j[l$n] ubf{ vÚb Jofh cfDbfgLdf cfpg;Sg] sdL .

a}+sx? ljr j(\bf] k|lt:kwf{ .

;/sf/sf] gLlt kl/jt{g xÚ“bf kg{ ;Sg] ;+efljt hf]lvdx? .

cy{Joj:yfdf kg{ ;Sg] cGo gsf/fTds k|efjjf^ xÚg] hf]lvdx? .

gfkmf gf]S;fg jf“8kmf“8

cfly{s jif{ 2065÷66 df ?=21,79,15,808 v"b gf˚f ePsf]df a}+s tyf ljQLo ;+:yf ;DaGwL P]g 2063 sf] bkmf 44 jdf]lhd v"b gfkmfsf] 20 k|ltzt\ cyf{t ?=4,35,83,162 ;fwf/)f hu]*f sf]ifdf /sd %"§fO{Psf] % . o;} u/L ;f]xL P]gsf] bkmf 45 jdf]lhd ljb]zL


ljlgdo b/df kl/jt{g ePsf] sf/)faf^ cfh{g ePsf] k"gd'{Nof+sg d"gfkmfsf] 25 k|ltzt\ cyf{t ?=30,07,570 ;^xL #â( sf]ifdf, ?=3,25,38,571 C)fkq e"QmfgL sf]ifdf / ?=79,49,360 k"“hL ;dfof]hg sf]ifdf jf“*kmf“* u/L af“sL /x]sf] /sd dWo]af^ ut jif{sf] ;dfof]lht ;+lrt gfkmf ?=11,22,283 / k"“hL ;dfof]hg sf]ifaf^ ?=3,65,55,158 ;dfof]hg u/L o; jif{sf] cGtdf ePsf] s"n ?=16,85,14,586 ljt/)fof]Uo d"gfkmf dWo] 15∞ sf b/n] cyf{t\ 20 lsQf z]o/ jfkt 3 lsQf a/fa/ jf]g; z]o/ cyf{t\ ?= 14,28,30,000 hf/L ug]{, ?= 75,17,368 a/fa/sf] gub nfef+z -af]gz z]o/ jfkt s/_ ljt/)f ug]{ / af“sL /sd ;+lrt d"gfkmfdf ;fg]{ k|:tfj ul/Psf] % . o;}u/L a}+sn] s/sf] ?kdf ?=9,23,42,131 ;/sf/L /fhZj jÚemfp“g %Ú§ofO{Psf] % .

;+rfns ;ldlt

;ldIff jif{df o; a}+ssf] ;+rfns ;ldltsf] a}&s 20 k^s a:of] .

a}+ssf] ;+rfns ;ldltn] a}+snfO{ yk prfO{df kÚ¥ofpg ;b}j cfk;L ;dembf/Ljf^ pkoÚQm lg)F{o ub}{ cfPsf] % / o; qmdnfO{ cfufdL lbgx?df klg lg/Gt/tf lbO{g] tkm{ xfdL ;+rfnsx? ;b}j sl^j$ /x]sf] sÚ/f oxf“ cjut u/fpg rfxG%Ú . o; jif{ ;+rfns ;ldltdf Joj;flos ;+rfnssf] ?kdf >L eut lji^Hoú lgoÚQm xÚgÚePsf] % . >L lji^HoúnfO{ :jfut ub}{ pxf“sf] nfdf] cgÚejn] xfdLnfO{ cem j(L ;xof]u kÚUg] sÚ/fdf xfdL ljZj:t %f}+ .

wGojfb 1fkg

o; a}+ssf] k|ultdf ;b}j ;fy lbgÚxÚg] xfd|F cfb/)fLo u|Fxs dxfgÚefjx?, cfb/)fLo z]o/wgL dxfgÚefjx? tyf xfd|F dfu{bz{s g]kfn ;/sf/ tyf g]kfn /fi «̂ a}+ssf kbflwsf/LHoúx? k|lt pxf“x?sf] cdúNo ;xof]usf] nflu xflb{s s[t!tf !fkg ug{ rfxG%Ú . To;/L g} a}+ssf] k|ult g} cfkmgf] sfo{of]hgf dfg]/ cys kl/>d ug]{ a}+ssf ;Dkú)f{ sd{rf/L ;fyLx?, cfGtl/s tyf jfx\o n]vfk/LIfs Ho"x? tyf cGo ;xof]uLx? ;d]tnfO{ o; cj;/df wGojfb lbg rfxG%Ú . ;fy}, a}+ssf] ultljlw tyf ;dfrf/x?nfO{ cfd hgdfg;df kÚ¥ofpg k|ToIf÷ck|ToIf ?kdf ;xof]u ugÚ{xÚg] ;Dkú)f{ ;+rf/ hut\÷Ph]G;Lx? tyf zÚe]R%ÚsHoúx? k|lt klg xflb{s cfef/ JoQm ub{%Ú .

wGojfb .

ldlt 2066÷08÷02

;+rfns ;ldltsf] tkm{jf^

>L lr/+hLnfn cu|jfn

cWoIf


cg';'rL -s_

!= n]vfk/LIfssf] k|ltj]bg ;DaGwdf ;+rfns ;ldltsf] l6Kk0FL n]vfk/LIFssf] k|ltj]bgdf pNn]v ul/Psf ljj/0F tyf ;'emfjx?dfly ;+rfns ;ldltdf 5nkmneO{ n]vfk/LIFsn] /fVg'ePsf ;'emfjx?nfO{ sfof{Gjog ug{ Joj:yfkgnfO{ lgb]{zg lbOPsf] 5 .

@= n]vfk/LIF0F ;ldlt-s_ ;+rfns ;ldltsf] ldlt @)^@ r}q #) df a;]sf] ^#cf}+ a}7sn] n]vfk/LIF0F ;ldltsf] u7g u/]sf] lyof], h'g cWofkL lqmofzLn

5 . ;f] ;ldltdf @)^^ cfiff9 d;fGtdf lgDglnlvt ;b:ox? x'g'x'GYof] .

!= >L ;'/]z rGb| cu|jfn ;+of]hs@= >L tf/f rGb s]l8of ;b:o#= >L dx]z k|;fb kf]v/]n ;b:o

-v_ ;ldIFf cjlwdf lgDg lnlvt ljifox?dfly 5nkmn ug{sf] nflu n]vfkl/IF0F ;ldltsf] % j6F j}7s ;DkGg ePsf lyP M

• cf=j= @)^$÷^% sf] nflu n]vfk/LIF0F of]hgf / sfo{qmdx?

• k|f/lDes n]vf k/LIF0F k|ltj]bg, To; pk/ Joj:yfkgsf] hjfkm tyf @)^$÷^% sf] ljQLo ljj/0Fx? pk/ 5nkmn

• cf=j= @)^%÷^^ sf] nflu n]vfk/LIFssf] lgo'lQmsf] l;kmfl/;

• s]lGb|o tyf zfvf sfof{nox?sf shf{ tyf ;+rfng;DaGwL cfGtl/s n]vfk/LIF0f k|ltj]bgx?

• k|tLtkq sf/f]jf/ ;DaGwL cfGtl/s n]vfk/LIF0f k|ltj]bgx?

• nufgL ;DjGwL n]vfk/LIf0F k|ltj]bg

• a}+sdf ;DklQsf] u'0f:t/ ;DaGwdf 5n˚n / v/fa shf{ ckn]vg ug{ ;+oGq agfpg] .

-u_ ;dLIFf cjlwdf n]vfk/LIF0f ;ldltdf /xg'ePsf ;+rfnsx?nfO{ k|lt j}7s ?=^,))) sf b/n] a}7s eQf k|bfg ul/Psf] 5 .

#= ;ldIFf cjlwdf ;+rfnsx? / k|d'v sfo{sf/L clws[tnfO{ e'Qmfg ul/Psf] /sdsf] ljj/0F

• ;+rfnsx?nfO{ a}7s eQf / b}lgs e|d0F eQfjfkt e'QmfgL ePsf] ?=$!,(&,^#)÷–• k|d'v sfo{sf/L clws[tnfO{ kfl/>lds, eQf tyf cGo ;'ljwfkfkt e'QmfgL ul/Psf] ?=&*,(),)))÷–

$= nfef+zsf] ljj/0Fa}+sn] ut cfly{s jif{ @)^$÷^% df af]g; z]o/ tyf nfef+z ljt/0F u/]sf]df o; cfly{s jif{ @)^%÷^^ df klg a}+ssf] ;+rfns ;ldltn] af]g; z]o/ tyf nfef+z ljt/0F ug{sf] nflu k|:tfj u/]sf] 5 .

%= cfly{s jif{ @)^%÷^^ df a}+sn] s'g} z]o/ hkmt u/]sf] 5}g .

^= s'g} klg ;+rfns, sfo{sf/L k|d'v, a}+ssf ;+:yfks z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{,

sDkgL jf ;“ul7t ;+:yfn] a}+snfO{ s'g} klg /sd a'emfpg af“sL 5}g .


lg= l6 cf/ pkfWofo P08 s+=

rf6{8{ Psfp06]06;\ l;4fy{ a}+s lnld6]8

sfz]o/xf]N8/x¿df n]vfk/LIfssf] k|ltj]bg

xfdLn] l;4fy{ a}+s lnld6]8 sf] o;} ;fy ;+nUg @)^^ cfiff9 d;fGtsf] jf;nft, ;f] ldltdf ;dfKt ePsf] aif{sf] gfkmf–gf]S;fg lx;fa / gub k|jfx ljj/0fsf] n]vfk/LIf0f ;DkGg u/]sf 5f}+ . ljQLo ljj/0fx? k|ltsf] pQ/bfloTj Joj:yfkgdf /x]sf] 5 . Joj:yfkgn] tof/ u/]sf tL ljQLo ljj/0fx? pk/ n]vfk/LIf0fsf] cfwf/df cfkm\gf] /fo hf/L ug'{ xfd|f] pQ/bfloTj xf] .

g]kfn n]vfk/LIf0f dfkb08 (Nepal Standards on Auditing) sf cfwf/df n]vfk/LIf0f ;DkGg ul/Psf] 5 . ljQLo ljj/0f ;f/e't?kdf unt cf+s8f/lxt 5 eGg] s'/fdf ljZj:t x'gsf nflu tL dfu{bz{g cg';f/ n]vfk/LIf0f of]hgf tof/ u/L tbg';f/ n]vfk/LIf0f ;DkGg ug'{ kb{5 . ljQLo ljj/0fdf pNn]lvt /sd / v'nfOPsf cGo ljj/0fnfO{ k'i6\ofO{ ug]{ k|df0fsf] 58\s] k/LIf0f ;d]t n]vfk/LIf0fdf ;dfj]z x'G5 . a}+sn] cjnDag u/]sf] n]vf l;4fGt, Joj:yfkgn] u/]sf dxTjk"0f{ cg'dfg Pj+ ljQLo ljj/0f k|:t'ltsf] ;du| l:yltsf] d"NofÍg klg n]vfk/LIf0fdf ;dfj]z x'G5 . n]vfk/LIf0fn] xfd|f] /fonfO{ kof{Kt cfwf/ k|bfg ug]{ s'/fdf xfdL ljZj:t 5f}+ .

sDkgL P]g @)^# / a}+s tyf ljlQo ;+:yf ;DalGw P]g @)^# adf]lhd b]xfo cg';f/ k|ltj]bg u/]sf 5f}+ .

s_ xfdLn] hfg]a'em] ;Dd n]vfk/LIf0f ;DkGg ug{ cfjZos ;'rgf Pj+ :kli6s/0f kfof}+ .

v_ xfdLn] n]vfk/LIf0f u/]sf >]:tfx?sf] cfwf/df xfd|f] /fodf a}+ssf] lx;fj lstfa P]g adf]lhd 7Ls;Fu /flvPsf] 5 .

u_ a}+ssf] zfvfx?af6 k|fKt ljj/0f n]vfk/LIf0fsf] nflu kof{Kt lyP .

3_ o; k|ltj]bg ;Fu ;Da4 jf;nft, gfkmf gf]S;fg lx;fa tyf gub k|jfx ljj/0f sDkgL P]g @)^# Pj+ g]kfn /fi6« a}+sn] tf]s] adf]lhd tof/ ePsf] 5 / a}+sn] /fv]sf] n]vf;Fu b"?:t /x]sf] 5 .

ª_ xfdLn] n]vfk/LIf0f u/]sf >]:tfx?sf] cfwf/df a}+sn] g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd k"+hLsf]if tyf hf]lvd Aoxf]g]{ sf]if df kof{Kt Joj:yf u/]sf] 5 .

r_ xfdLn] n]vfk/LIf0f u/]sf >]:tfx?sf] cfwf/df a}+ssf] sf/f]af/ ;Gtf]ifhgs /x]sf] kfOof] .

5_ xfdLnfO{ k|fKt hfgsf/L / xfdLnfO{ lbPsf] :ki6Ls/0f / xfdLn] k/LIf0f u/]sf >]:tfaf6 ;+rfns ;ldlt cyjf s"g} sd{rf/Ln] lx;fa lstfa ;DaGwL sfg"gL Joj:yf la?4 sfdsfh jf xfgL–gf]S;fgL u/]sf], g]kfn /fi6« a}+ssf] lgb]{zg kfngf gu/]sf] jf a}+s, lgIf]kstf{ tyf nufgLstf{x?sf] xs jf ;'/Iff ljkl/t x'g] s'g} sfd u/]sf] kfPgf}+ .

xfd|f] /fodf, cg';'lr $=#@ sf] l6Kk0fL ^ tyf cg';'lr $=## sf] l6Kk0fL !! df pNn]v ul/Psf laifox? Affx]s, cfly{s ljj/0fn] g]kfn n]vfdfg tyf ;fdfGotof ;j{dfGo n]vfsf l;4fGtx? cg';f/ a}+ssf] @)^^ ;fn cfiff9 d;fGtsf] cfly{s l:ylt, ;f] ldltdf ;dfKt ePsf] jif{sf] ;+rfng glthf / gub k|jfxsf] ;du|df oyfy{ Pj+ ;d"lrt lrq0f ub{5 / sDkgL P]g @)^# / a}+s tyf ljQLo ;+:yf ;DalGw P]g @)^# adf]lhd /x]sf] 5 .

zlz ;Tofn;fem]bf/ lg= l6 cf/ pkfWofo P08 s+=rf6{8{ PsfpG6]G6;\ldltM !& gf]e]Da/ @))( -)@ d+l;/, @)^^_sf7df8f+} .


!= z]o/ k'“hL $=! 95,22,00,000 82,80,00,000

@= hu]8f tyf sf]ifx¿ $=@ 32,65,44,526 24,03,46,086

#= C0fkq tyf a08 $=# 22,77,70,000 –

$= ltg{ af“sL shf{ tyf ;fk6L $=$ 32,76,00,000 20,51,32,877

%= lgIf]k bfloTj $=% 15,85,47,98,403 10,19,14,40,970

^= e'QmfgL lbg'kg]{ lanx¿ $=^ 1,78,77,084 1,58,84,195

&= k|:tfljt tyf e'QmfgL lbg af“sL nfef+z – 75,17,368 65,36,842

*= cfos/ bfloTj – 48,45,928 1,11,55,193

(= cGo bfloTj $=& 16,25,96,828 16,98,59,787

jf;nft

-2066 ;fn cfiff( d;fGt_

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

$=! b]lv $=!& ;Ddsf cg';"rLx¿ jf;nftsf cleGg c· x'g\ .

ahf/ hf]lvd cg';"rL $=#)-ª_k|d'v ;"rsf°x¿ cg';"rL $=#!k|d'v n]vf gLltx¿ cg';"rL $=#@n]vf ;DalGw l6Kk0fLx¿ cg';"rL $=##;+:yfksx¿sf] shf{ ljj/0f cg';"rL $=#$n]vfk/LIf0f gePsf] / n]vfk/LIf0f – cg';"rL ##ePsf] ljQLo glthfsf] t'ngfTds ljj/0f cg';"rL $=#%n]vfk/LIf0f gePsf] ljQLo glthf cg';"rL $=#^

;DklQ rfn' cf=j= ?=cg';"rL ut cf=j= ?=

!= gub df}Hbft $=* 27,09,45,787 14,90,06,950

@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft $=( 98,49,81,288 27,02,19,328

#= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft $=!) 29,17,57,026 1,81,98,991

$= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd $=!! 48,48,40,000 58,47,35,884

%= nufgL $=!@ 2,17,64,27,797 1,15,00,95,800

^= shf{, ;fk6 tyf lan vl/b $=!# 13,32,86,21,515 9,33,55,97,738

&= l:y/ ;DklQ $=!$ 17,21,58,131 7,23,98,043

*= u}/ a}ls· ;DklQ $=!% – –

(= cGo ;DklQ $=!^ 17,20,18,594 8,81,03,216

s'n ;DklQ !&,**,!&,%),!#* !!,^^,*#,%%,(%)

s'n k'“hL tyf bfloTj !&,**,!&,%),!#* !!,^^,*#,%%,(%)

;Defljt bfloTj cg';"rL $=!&;~rfnsx¿sf] 3f]if0ff cg';"rL $=@(k'“hLsf]if tflnsf cg';"rL $=#)-s_shf{ hf]lvd cg';"rL $=#)-v_Credit Risk Mitigation sf] nflu of]Uo /sd cg';"rL $=#)-u_

;~rfng hf]lvd cg';"rL $=#)-3_

cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/

b= hLjg e§/fO{k|aGws – ;+rfng

b= ;'Gb/ k|= s8]n;xfos dxfk|aGws

b= zDe'gfy uf}tddxfk|aGws

b= ;'/]Gb| e08f/Lk|d'v sfo{sf/L clws[t

b= lr/+hLnfn cu|jfncWoIf

b= ;'/]z rGb| cu|jfn b= tf/f rGb s]l8of

b= /tgnfn s]l8of b= ljZjgfy zfxb= dx]z k|;fb kf]v/]n b= x]dGt 1jfnL

b= eut lji6;+rfnsx¿

b= z;L ;Tofn

;fem]bf/6L=cf/= pkfWofo P08 sDkgL

rf6{8{ Psfp06]06;\

ldltM @ d+l;/ @)^^ sf7df8f}+


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

!= Aofh cfDbfgL $=!* 1,26,55,82,131 72,98,72,484

@= Aofh vr{ $=!( 81,36,19,042 40,81,88,955

v'b Aofh cfDbfgL 45,19,63,089 32,16,83,52945,19,63,089 32,16,83,529

#= sldzg tyf l8:sfp06 $=@) 3,25,47,830 2,14,54,424

$= cGo ;~rfng cfDbfgL $=@! 4,63,54,212 3,12,94,159

%= ;6xL 36a9 cfDbfgL $=@@ 3,86,82,163 2,74,87,389

s'n ;~rfng cfDbfgL 56,95,47,294 40,19,19,50156,95,47,294 40,19,19,501

^= sd{rf/L vr{ $=@# 7,93,84,785 4,82,47,208

&= cGo ;~rfng vr{ $=@$ 11,48,16,885 7,14,80,863

*= ;6xL 36a9 gf]S;fg $=@@ – –

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 37,53,45,624 28,21,91,43037,53,45,624 28,21,91,430

(= ;Defljt gf]S;fgL Joj:yfx¿ $=@% 3,98,42,447 4,80,48,820

;~rfng d'gfkmf 33,55,03,177 23,41,42,61033,55,03,177 23,41,42,610

!)= u}/ ;~rfng cfDbfgL÷-gf]S;fg_ $=@^ – 5,06,222

!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ $=@& 88,57,466 40,31,246

lgoldt sf/f]af/af6 ePsf] d'gfkmf 34,43,60,643 23,86,80,07834,43,60,643 23,86,80,078

!@= c;fdfGo sf/f]af/x¿af6 ePsf] d'gfkmf÷-vr{_ $=@* 88,57,466 –

;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 33,55,03,177 23,86,80,07833,55,03,177 23,86,80,078

!#= sd{rf/L af]g; Joj:yf 3,05,00,289 2,16,98,189

!$= cfos/ Joj:yf -s±v–u_ 8,70,87,080 7,38,08,900

s= o; jif{sf] 9,23,42,131 7,17,21,066

v= ut jif{;Ddsf] – –

u= :yug ul/Psf] s/ bfloTj 52,55,052 -20,87,834_

v'b gfkmf÷-gf]S;fg_ 21,79,15,808 14,31,72,98921,79,15,808 14,31,72,989

$=!* b]lv $=@* ;Ddsf cg';"rLx¿ gfkmf–gf]S;fg lx;fasf cleGg c· x'g\ .

gf˚f–gf]S;fg lx;fa-! >fj0f @)^% b]lv #! cfiff9 @)^^ ;Dd_






b= lr/+hLnfn cu|jfncWoIf

b= ;'/]z rGb| cu|jfn b= tf/f rGb s]l8ofb= /tgnfn s]l8of b= ljZjgfy zfxb= dx]z k|;fb kf]v/]n b= x]dGt 1jfnL

b= eut lji6;+rfnsx¿

b= z;L ;Tofn

;fem]bf/6L=cf/= pkfWofo P08 sDkgL

rf6{8{ Psfp06]06;\

ldltM @ d+l;/ @)^^ sf7df8f}+


ljj/0f rfn' cf=j= ?= ut cf=j= jif{ ?=

cfDbfgL!= ut jif{;Ddsf] ;l~rt d'gfkmf 11,22,283 –@= o; jif{sf] d'gfkmf 21,79,15,808 14,31,72,989#= ;6xL 36a9 sf]if – –$= k'“hL ;dfof]hg sf]ifaf6 /sdfGt/ 3,65,55,158 5,61,90,572 hDdf 25,55,93,249 19,93,63,56125,55,93,249 19,93,63,561vr{ != ut jif{;Ddsf] ;l~rt gf]S;fg – –@= o; jif{sf] gf]S;fg – –#= ;fwf/0f hu]8f sf]if 4,35,83,162 2,86,34,598

$= e}k/L cfpg] hu]8f – –

%= ;+:yf ljsf; sf]if – –

^= nfef+z ;dLs/0f sf]if – –

&= sd{rf/L ;DaGwL hu]8fx¿ – –

*= k|:tfljt nfef+z 75,17,368 65,36,842

(= k|:tfljt af]g; z]o/ hf/L 14,28,30,000 12,42,00,000

!)= ljz]if hu]8f sf]if – –

!!= ;6xL 36a9 sf]if 30,07,570 23,14,680

!@= k'“hL lkmtf{ hu]8f sf]if – –

!#= k'“hL ;dfof]hg sf]if 79,49,360 3,65,55,158

!$= :yug s/ sf]if – –

!%= cGo – –

C)fkq e"QmfgL sf]if 3,25,38,571 – hDdf 23,74,26,031 19,82,41,27823,74,26,031 19,82,41,278

!^= ;l~rt d'gf˚f÷-gf]S;fg_ 1,81,67,218 11,22,2831,81,67,218 11,22,283

gf˚f–gf]S;fg af“8˚f“8 lx;fa-! >fj0f @)^% b]lv #! cfiff9 @)^^ ;Dd_






b= lr/hLnfn cu|jfncWoIf

b= ;'/]z rGb| cu|jfn b= tf/f rGb s]l8of

b= /tgnfn s]l8of b= ljZjgfy zfxb= dx]z k|;fb kf]v/]n b= x]dGt 1jfnLb= eut lji6

;+rfnsx¿

b= z;L ;Tofn;fem]bf/

6L=cf/= pkfWofo P08 sDkgL rf6{8{ Psfp06]06;\

ldltM @ d+l;/ @)^^

sf7df8f}+


OSjL

6Ld

f ePs

f] kl/

jt{g

;Da

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ljj/

0f-c

f= j= @

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ft*@,*),)),)))

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!!,@@,@*

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#&,$*,)@,!*

$&,$*,)@,!*

$#,^%

,%%,!%

*#,^%

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*—

#^,^^,$^!

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!,)^,*#,$^,)*^

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n]vf gLltdf

kl/jt

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——

——

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ft*@,*),)),)))

*@,*),)),)))

!!,@@,@*

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#&,$*,)@,!*

$&,$*,)@,!*

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af]g;

z]o/

—-!!,#&

,(@,@!

)_

—-#,^%,%%

,!%*

_—

——

!$,@*,#),)))

——

-&%,!&

,#^*

_

af]g;

z]o/

hf/L

!@,$

@,)),)))

——

——

——

-!@,$@,)),)))_

——

—

z]o/

k"“hL lgIs

fzg

——

——

——

——

——

—

;Dk

lQ k

'gd"{No

f°gd

f ar

t—

——

——

——

——

——

;Dk

lQ k

'gd"{No

f°gd

f 3f6f

—

——

——

——

——

——

;^x

L #â

( sf]if

—-#),)&

,%&)

_—

——

#),)&,

%&)

——

——

—

k'“hL ;df

of]hg

sf]if

—-&

(,$(,#^

)_—

&(,$

(,#^

)—

——

——

——

Aofh

b/ c

Gt/

sf]if

——

——

——

——

——

—

:yug

s/

sf]if

——

——

——

——

——

—

C)fkq

e"Qmfg

L sf]if

—-#,@%,#*

,%&!

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——

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——

#,@%

,#*,

%&!

—

clGt

d df}Hbft

(%,@@,))

,)))

!,*!

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!!,*

#,*%

,#$^

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gub k|jfx ljj/0f-! >fj0f @)^% b]lv #! cfiff9 @)^^ ;Dd_

o; jif{ ?=

-s_ sf/f]af/ ;~rfngaf6 gub k|jfx 1,19,52,35,7621,19,52,35,762 (18,64,53,300)(18,64,53,300) != gub k|fKtL !=! Aofh cfDbfgL 1,26,55,82,131 72,98,72,484 !=@ sldzg tyf l8:sfp06 cfDbfgL 3,25,47,830 2,14,54,424 !=# ljb]zL ljlgdo sf/f]af/af6 cfDbfgL 3,86,82,163 2,74,87,389 !=$ ckn]lvt shf{sf] c;"nL - - !=% cGo cfDbfgL 463,54,212 3,18,00,381 1.6 :yug s/ cfDbfgL 52,55,052 – @= gub e'QmfgL – – @=! Aofh vr{ 81,36,19,042 40,81,88,955 @=@ sd{rf/L vr{ 7,93,84,785 4,82,47,208 @=# sfof{no ;~rfng vr{ 11,48,16,885 7,14,80,863 @=$ cfos/ e'QmfgL 9,86,51,396 6,57,69,319 @=% ;6xL 36a9 sf]if – – 2.6 cGo ;~rfng vr{ – – 2.7 cGo vr{ 88,57,466 – 2.8 :yug s/ vr{ – 20,87,834 sfo{ut k'“hL ultljlw cl3sf] gub k|jfx @&,#),(!,*!# @!,$*,$),$(( ;+rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l4_ != dfu tyf cNk;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ 9,98,95,884 (35,52,89,579) @= cGo cNksfnLg nufgLdf sdL÷-j[l4_ (81,98,81,997) (28,40,27,237) #= shf{ tyf lan v/Lbdf sdL÷-jl[4_ (4,02,40,08,758) (3,16,10,59,745) 4. cGo ;DklQdf sdL÷(j[l$) (8,39,15,379) (2,47,27,224) 5. u}/ a}+ls· ;DklQdf sdL÷-j[l4_ – 1,42,04,595 ;+rfng ;DaGwL rfn" bfloTjdf sdL÷-j[l4_ 1. lgIF]k bfloTjdf -sdL÷j[l4_ 5,66,33,57,433 #,%^,^#,^@,$^$ @= ;l6{l˚s]6 ckm l8kf]lh6df -sdL_÷j[l4 - – #= cNksfnLg ;fk6Ldf -sdL_÷j[l4 12,24,67,123 (22,48,67,123) $= cGo bfloTjdf sdL÷-j[l4_ (3,77,63,248) 6,64,65,613 %= ljn k]jN;df -sdL_÷j[l4 19,92,889 16,44,437 -v_ nufgL sf/f]af/df gub k|jfx (30,62,10,088) (2,66,10,942)(30,62,10,088) (2,66,10,942) 1. bL3{sfnLg nufgLdf sdL÷-j[l4_ (20,64,50,000) (8,80,000) @= :yL/ ;DklQdf sdL÷-j[l4_ (9,97,60,088) (2,57,30,942) #= bL3{sfnLg nufgLdf Aofh cfDbfgL – – $= nfef+z cfDbfgL - - %= cGo - - -u_ ljQLo sf/f]af/af6 gub k|jfx 22,12,33,15822,12,33,158 13,32,63,15813,32,63,158 != bL3{sfnLg C0f -a08, l8j]Gr/ cflb_ df j[l4÷-sdL_ 22,77,70,000 - @= z]o/ k'“hLdf j[l4÷-sdL_ - 13,80,00,000 #= cGo bfloTjdf j[l4÷-sdL_ - – $= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k"g/shf{df j[l4÷-sdL_ - – 5. k|:tfljt nfefDz / ltg'{kg]{ nfefDz j[l$÷(sdL) (65,36,842) (47,36,842) -3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] ˚/saf6 cfDbfgL÷-vr{_ – –– – -ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx -s±v±u±3_ 11,02,58,83211,02,58,832 (7,98,01,084)(7,98,01,084)

-r_ gub tyf a}+sdf /x]sf] ;'? df}Hbft 43,74,25,26943,74,25,269 51,72,26,35451,72,26,354 -5_ gub tyf a}+sdf /x]sf] clGtd df}Hbfg 1,54,76,84,1011,54,76,84,101 43,74,25,27043,74,25,270

ut jif{ ?=ljj/0f


z]o/ k'“hL tyf :jfldTj-@)^^ ;fn cfiff9 d;fGt_

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

!= z]o/ k'“hL !=! clws[t k'“hL #,)),)),)),))) !,)),)),)),))) s_ #,)),)),))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n] #,)),)),)),))) !,)),)),)),))) v_ ……… gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= …… n] — — u_ ……… l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= …… n] — — !=@ hf/L k'“hL !,$@,*#,)),))) *@,*),)),))) s_ !,$@,*#,))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n] !,$@,*#,)),))) *@,*),)),))) v_ …… gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= …… n] — — u_ …… l/l8d]jn lk|lkm/]G; z]o/ k|lt z]o/ ¿= …… n] — — !=# r'Qmf k'“hL (%,@@,)),))) *@,*),)),))) s_ (%,@@,))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n] (%,@@,)),))) *@,*),)),))) v_ …… gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= ………n] — — u_ …… l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= …… n] — —

cg';"rL $=!

z]o/ :jfldTj

o; jif{ ut jif{

-s_ ;+:yfks %! $*,%^,!(,&)) &) %&,(^,)),))) != g]kfn ;/sf/ – – – – @= ljb]zL ;+:yf – – – – #= æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx¿ – – – – $= cGo Ohfhtkqk|fKt ;+:yfx¿ – – – – %= cGo ;+:yfx¿ *=%^ *,!%,@@,&)) !!=&% (,&@,((,@)) ^= JolQmut $@=$$ $),$),(&,))) %*=@% $*,@#,)),*)) &= cGo – – – –-v_ ;j{;fwf/0f $( $^,^%,*),#)) #) @$,*$,)),))) hDdf !))=)) (%,@@,)),))) !))=)) *@,*),)),)))

∞ ?= ∞ ?=ljj/0f

-@)^^ ;fn cfiff9 d;fGt_


)=%∞ k|ltzt jf ;f] eGbf a9L :jfldTj ePsf z]o/wgLsf] ljj/0f

!= k|'8]lG;on OGe]i6d]G6 s+= k|f= ln= 5,47,620 5,47,62,000 - 5.75 @= g/]Gb| s'df/ cu|jfn 4,66,577 4,66,57,700 - 4.90 #= lr/GhLnfn cu|jfn 3,80,878 3,80,87,800 - 4.00 $= xL/fnfn s]l8of 3,16,130 3,16,13,000 - 3.32 %= /tgnfn s]l8of 3,14,223 3,14,22,300 - 3.30 ^= kjg s'df/ cu|jfn 2,85,659 2,85,65,900 - 3.00 &= dxfjL/ OGe]i6d]G6 k|f=ln= 2,85,659 2,85,65,900 - 3.00 *= k'ikf~hnL OG6/g]zgn k|f=ln= 2,85,659 2,85,65,900 - 3.00 (= g/ky l;+x h}g 2,78,184 2,78,18,400 - 2.92 !)= ;'af]w tf]bL 2,39,953 2,39,95,300 - 2.52 !!= k'gd rGb cu|jfn 2,09,483 2,09,48,300 - 2.20 !@= uf]dtL b]jL s]l8of 2,09,483 2,09,48,300 - 2.20 !#= lbgfgfy s]l8of 2,05,674 2,05,67,400 - 2.16 !$= /jLGb|gfy zdf{ 1,99,952 1,99,95,200 - 2.10 !%= czf]s s'df/ jfx]6L 1,90,439 1,90,43,900 - 2.00 !^= /fd cjtf/ s]l8of 1,75,203 1,75,20,300 - 1.84 !&= dbg nfn s]l8of 1,75,203 1,75,20,300 - 1.84 !*= ;'/]z s'df/ ?·6f 1,04,062 1,04,06,200 - 1.09 !( ;Gtf]if /f7L 1,04,062 1,04,06,200 - 1.09 @)= ljgf]b s'df/ cu|jfn 97,124 97,12,400 - 1.02 @!= ;'/]z rGb| cu|jfn 97,123 97,12,300 - 1.02 @@= s[i0f d'/f/L cu|jfn 83,249 83,24,900 - 0.87 @#= ljgo s'df/ zfx df8jf/L 69,374 69,37,400 - 0.73 @$= /fhs'df/ l6j8]jfnf 69,374 69,37,400 - 0.73 @%= /fh]Gb| cu|jfn 69,374 69,37,400 - 0.73 @^= sljGb| axfb'/ >]i7 69,374 69,37,400 - 0.73 @&= ljZjgfy zfx 69,374 69,37,400 - 0.73 @*= jL/]Gb| s'df/ zfx 69,374 69,37,400 - 0.73 @(= hzs/0f zf/bf 69,374 69,37,400 - 0.73 #)= lgd{n k|wfg 63,793 63,79,300 - 0.67 #!= bfdf]b/ k|= uf}td÷ztLz uf}td 62,436 62,43,600 - 0.66 #@= Zofd ;'Gb/ cu|jfn 55,500 55,50,000 - 0.58 ##= hubLz s'df/ cu|jfn 48,562 48,56,200 - 0.51

qm=;+= ljj/0f df}Hbft ∞ z]o/ ;+Vof z]o/ k'“hL ?=

o; jif{ut jif{


hDdf 32,65,44,526 24,03,46,08632,65,44,526 24,03,46,086

hu]8f tyf sf]ifx¿-@)^^ ;fn cfiff9 d;fGt_


!= ;fwf/0f hu]8f sf]if 11,83,85,346 7,48,02,184

@= k|:tfljt af]g; z]o/ 14,28,30,000 12,42,00,000

#= k'“hLut hu]8f sf]if - -

$= k'“hL l˚tf{ hu]8f sf]if - -

%= k'“hL ;dfof]hg sf]if 79,49,360 3,65,55,158

^= cGo hu]8f tyf sf]if - -- -

s_ e}k/L cfpg] hu]8f - -

v_ ;+:yf ljsf; sf]if - -

u_ nfef+z ;dLs/0f sf]if - -

3_ ljz]if hu]8f sf]if - -

ª_ ;DklQ k'gd{"Nof°g sf]if - –

r_ cGo :jtGq sf]if - -

5_ cGo hu]8f sf]if - -

h_ :yug s/ sf]if - -

em_ C0fkq e'QmfgL sf]if 3,25,38,571 -

&= ;l~rt gf˚f÷-gf]S;fg_ 1,81,67,218 11,22,283

*= ;6xL 36a9 sf]if 66,74,031 36,66,461

cg';"rL $=@


C0fkq tyf a08



!= *=%∞ æP;= la= Pn C0fkq @)&@Æ k|lt j08 ¿= !,))) sf] b/n] @@,&&,&),))) –

@)^%÷&÷@( df hf/L ePsf] / ldlt @)&@÷&÷@* df r'Qmf x'g]

-xfn;Ddsf] Redemption Reserve /sd ¿= !(,%@,#!,$@(_

@= …… k|ltzt j08÷C0fkq k|lt j08÷C0fkq ¿=……… sf] b/n] – –

ldlt ………… df hf/L ePsf] / ldlt ………… df r'Qmf x'g]

-xfn;Ddsf] Redemption Reserve /sd ¿= ………………_

cg';"rL $=#

hDdf -s±v_ #@,&^,)),))) @),%!,#@,*&&

ltg{ af“sL shf{ -;fk6L_-@)^^ ;fn cfiff9 d;fGt_


s_ :jb]zL – – != g]kfn ;/sf/ – – @= g]kfn /fi6« a}+s -:yfoL t/ntf ;'ljwf_ – – #= l/kf] bfloTj – – $= cGt/ a}+s tyf ljQLo ;+:yf #@,&^,)),))) @),%!,#@,*&& %= cGo ;“ul7t ;+:yfx¿ – –

^= cGo – – hDdf #@,&^,)),))) @),%!,#@,*&&v_ ljb]zL – – != a}+sx¿ – – @= cGo – – hDdf – –

cg';"rL $=$

hDdf -!±@_ @@,&&,&),))) –


Aofh ltg'{ gkg]{ vftfx¿sf] hDdf -!_ $),($,(*,^(* @*,$*,*(,^@(

lgIf]k bfloTj-@)^^ ;fn cfiff9 d;fGt_


Aofh ltg'{ gkg]{ vftfx¿

s_ rNtL lx;fa @(,%&,#&,**% @),#),#*,^@$

!= :jb]zL d'b|fdf @&,#%,&#,^#^ !(,&!,*%,*^! !=! g]kfn ;/sf/ ^,)*,!%,#(* *@,$^,^!& !=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ — — !=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ #,@*,$^,%#! @,#@,@&,)&) !=$ cGo ;“ul7t ;+:yfx¿ !@,@%,&*,($& !!,!!,&%,%*! !=% JolQmut #,)(,%^,*)) %,$@,^#,@$& !=^ cGo @,^#,&%,(^) @,&#,#$^

@= ljb]zL d'b|fdf @,@!,^$,@$( %*,%@,&^#

@=! g]kfn ;/sf/ — —

@=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ — —

@=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ — —

@=$ cGo ;“ul7t ;+:yfx¿ @,@!,^$,@$( %*,%@,&^#

@=% JolQmut — —

@=^ cGo — —

v_ dflh{g !!,#&,^),*!# *,!),#&,%((

!= sd{rf/L hdfgt -ns/ dflh{g_ !#,&*,%#* —

@= hdfgt dflh{g #,*%,##,%%* @,$@,&^,^%&

#= k|tLtkq dflh{g &,#*,$*,&!& %,^&,^),($@

u_ cGo — *,!#,$)^

!= :jb]zL d'b|fdf — *,!#,$)^

!=! ljQLo ;+:yfx¿ — — !=@ cGo ;“ul7t ;+:yfx¿ — — !=# JolQmut — *,!#,$)^

@= ljb]zL d'b|fdf — —

@=! ljQLo ;+:yfx¿ — —

@=@ cGo ;“ul7t ;+:yfx¿ — — @=# JolQmut — —

cg';"rL $=%

qmdz ………


Aofh ltg'{kg]{ vftfx¿sf] hDdf -@_ 15,44,52,99,70515,44,52,99,705 9,90,65,51,3419,90,65,51,341

hDdf lgIf]k -!±@_ 15,85,47,98,40315,85,47,98,403 10,19,14,40,97010,19,14,40,970

======== qmdzM lgIf]k bfloTj -@)^^ ;fn cfiff9 d;fGt_


@= Aofh ltg'{kg]{ vftfx¿

s_ art lx;fa 3,44,56,89,8623,44,56,89,862 2,62,22,42,7622,62,22,42,762

!= :jb]zL d'b|fdf 3,42,18,59,4693,42,18,59,469 2,60,01,14,3052,60,01,14,305 !=! ;+3 ;+:yfx¿ 8,96,47,928 8,16,37,312 !=@ JolQmut 3,31,91,94,130 2,49,84,57,051 !=# cGo 1,30,17,411 2,00,19,942

@= ljb]zL d'b|fdf 2,38,30,3932,38,30,393 2,21,28,4572,21,28,457 @=! ;+3 ;+:yfx¿ 38,83,296 - @=@ JolQmut 1,99,47,097 2,21,28,457 @=# cGo - -

v_ d'2tL lx;fa 7,15,82,00,1517,15,82,00,151 4,56,27,23,9434,56,27,23,943

!= :jb]zL d'b|fdf 6,92,55,70,1516,92,55,70,151 4,42,93,33,5434,42,93,33,543 !=! ;+3 ;+:yfx¿ 6,00,36,69,226 3,99,83,50,228 !=@ JolQmut 91,61,75,925 42,73,58,315 !=# cGo 57,25,000 36,25,000

@= ljb]zL d'b|fdf 23,26,30,00023,26,30,000 13,33,90,40013,33,90,400 @=! ;+3 ;+:yfx¿ - 13,33,90,400 @=@ JolQmut - - @=# cGo 23,26,30,000 -

u_ dfu]sf] avt ltg'{kg]{ lx;fa 4,84,14,09,6924,84,14,09,692 2,72,15,84,6362,72,15,84,636

!= :jb]zL d'b|fdf 4,63,97,34,1574,63,97,34,157 2,64,40,50,1752,64,40,50,175 !=! æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ 5,38,14,690 - !=@ cGo O=k|f= ljQLo ;+:yfx¿ 2,72,45,13,162 1,58,50,41,622 !=# cGo ;“ul7t ;+:yfx¿ 1,09,75,92,429 51,21,52,543 !=$ JolQmut 74,81,96,773 54,51,70,226 !=% cGo 1,56,17,103 16,85,784

@= ljb]zL d'b|fdf 20,16,75,53520,16,75,535 7,75,34,4617,75,34,461 @=! æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ - - @=@ cGo O=k|f= ljQLo ;+:yfx¿ - - @=# cGo ;“ul7t ;+:yfx¿ 20,14,61,269 7,75,34,461 @=$ JolQmut - - @=% cGo 2,14,266 -

3_ ;l6{l˚s]6 c˚ l8kf]lh6 - - != ;“ul7t ;+:yfx¿ - - @= JolQmut - - #= cGo - -


!= k]G;g÷pkbfg sf]if 29,27,672 33,71,282

@= sd{rf/L ;~ro sf]if - -

#= sd{rf/L sNof0f sf]if - 85,570

$= sd{rf/L af]g; Joj:yf 3,05,00,289 2,16,98,189

%= lgIf]kdf e'QmfgL lbg af“sL Aofh 5,05,20,219 3,13,81,555

^= ;fk6Ldf e'QmfgL lbg af“sL Aofh 16,73,155 46,675

&= kfsL g;s]sf] l8:sfp06 / sldzg 12,07,253 2,69,439

*= ;G8«L qm]l86;{ 5,82,28,815 6,98,28,571

(= zfvf ldnfg lx;fa - -

!)= :yug s/ bfloTj - 20,87,834

!!= cGo 1,75,39,4261,75,39,426 4,10,90,6724,10,90,672

-s_ n]vf k/LIf0f vr{ Joj:yf 4,60,000 4,00,000

-v_ ;+lrt ljbf Joj:yf 48,65,980 -

-u_ e'QmfgL lbg af“sL C0fkq Aofh 97,08,877 -

-3_ cGo 25,04,569 4,06,90,672

hDdf 16,25,96,82816,25,96,828 16,98,59,78716,98,59,787

cGo bfloTj-@)^^ ;fn cfiff9 d;fGt_

!= :jb]zL d'b|f *$,$&,@)& @*,#^,#^&

@= ljb]zL d'b|f ($,@(,*&* !,#),$&,*@*

hDdf !,&*,&&,)*$ !,%*,*$,!(%

e'QmfgL lbg'kg]{ lanx¿-@)^^ ;fn cfiff9 d;fGt_ cg';"rL $=^



cg';"rL $=&


hDdf @&,)(,$%,&*& !$,(),)^,(%)

gub df}Hbft-@)^^ ;fn cfiff9 d;fGt_


!= :jb]zL d'b|f -l;Ssf ;d]t_ @^,%&,##,&&! !$,%^,%&,@^&

@= ljb]zL d'b|f %@,!@,)!^ ##,$(,^*#

cg';"rL $=*

a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbftcg';"rL $=!)

gf]6M ;DalGwt Ohfhtkq k|fKt ;+:yfsf] ;dy{gkq cg';f/sf] s'n df}Hbft ?= #$,!^,*#,!*%÷–

gf]6M g]kfn /fi6« a}+saf6 k|fKt ;dy{g kqcg';f/sf] s'n df}Hbft ?= !,)@,#),%^,!&)÷–


ljj/0fo; jif{

s'n ?=

ut jif{

s'n ?=

!= :jb]zL O=k|f= ;+:yfx¿

s_ rNtL vftf @%,&(,@$,^(% — — — @%,&(,@$,^(% %#,!),%)^

v_ cGo vftf — — — — — —

@= ljb]zL a}+sx¿ s_ rNtL vftf — ^$,(!,**! @,&#,$),$%! #,#*,#@,##! #,#*,#@,##! !,@*,**,$*%

v_ cGo vftf — — — — — —

hDdf @%,&(,@$,^(% ^$,(!,**! @,&#,$),$%! #,#*,#@,##! @(,!&,%&,)@^ !,*!,(*,((!

:jb]zL d'b|fljb]zL d'b|f

ef=?= kl/jTo{ lj=d'= hDdf

g]kfn /fi6« a}+sdf /x]sf] df}Hbft-@)^^ ;fn cfiff9 d;fGt_

ljj/0fo; jif{

s'n ?=

ut jif{

s'n ?=

!= g]kfn /fi6« a}+s

s_ rNtL vftf (*,!*,$),%(^ — #!,$),^(@ #!,$),^(@ (*,$(,*!,@** @^,(*,!@,#)$

v_ cGo vftf — — — — — $,)&,)@$

hDdf (*,$(,*!,@** @&,)@,!(,#@*

cg';"rL $=(

:jb]zL d'b|fljb]zL d'b|f

ef=?= kl/jTo{ lj=d'= hDdf


hDdf $*,$*,$),))) %*,$&,#%,**$

dfu tyf cNk ;"rgfdf k|fKt x'g] /sdx¿-@)^^ ;fn cfiff9 d;fGt_


!= :jb]zL d'b|f $!,%),)),))) %&,%),)),)))

@= ljb]zL d'b|f ^,(*,$),))) (&,#%,**$

cg';"rL $=!!

nufgL-@)^^ ;fn cfiff9 d;fGt_


!= g]kfn ;/sf/sf] 6«]h/L laN; – 1,48,37,23,056 1,48,37,23,056 84,63,09,470

@= g]kfn ;/sf/sf] artkq – - - -

#= g]kfn ;/sf/sf] cGo ;'/If0fdf nufgL – 20,98,50,000 20,98,50,000 3,77,75,000

$= g]kfn /fi6« a}+s C0fkq – - - -

%= ljb]zL C0fkq – - - -

^= :jb]zL Ohfhtkqk|fKt ;+:yf – 5,00,00,000 5,00,00,000 5,00,00,000

&= ljb]zL a}+s – 41,62,47,741 41,62,47,741 23,37,79,330

*= ;“ul7t ;+:yfx¿sf] z]o/ – 1,66,07,000 1,66,07,000 1,62,32,000

(= ;“ul7t ;+:yfx¿sf] l8a]Gr/ tyf a08 – - - -

!)= cGo nufgL – - - -

s'n nufgL – 2,17,64,27,797 2,17,64,27,797 1,15,00,95,8002,17,64,27,797 2,17,64,27,797 1,15,00,95,800

Joj:yf – - - -- - -

v'b nufgL – 2,17,64,27,797 2,17,64,27,797 1,15,00,95,8002,17,64,27,797 2,17,64,27,797 1,15,00,95,800

cg';"rL $=!@

k|of]hg

Jofkfl/s cGo


;“ul7t ;+:yfsf] z]o/, l8a]Gr/ tyf a08df nufgL-@)^^ ;fn cfiff9 d;fGt_ cg';"rL $=!@ -s_

ljj/0f Joj:yf ?=o; jif{

vl/b d"No ?= ahf/ d"No ?=ut jif{sf] ?=

!= z]o/df nufgL !=! ;L=cfO{=;L lnld6]8 !@,#@,))) ;"rLs[t gePsf] – !@,#@,))) !$,)*) lsQf ;fwf/0f z]o/ ?= !)) sf b/n] r'Qmf !=@ l;4fy{ OG:of]/]G; lnld6]8 !,%),)),))) @,*(,%),))) – !,%),)),))) !,%),))) ;fwf/0f z]o/ ?= !)) sf b/n] r'Qmf !=# g]kfn lSnl/· xfp; lnld6]8 !,@%,))) ;"rLs[t gePsf] – – ………… ;fwf/0f z]o/ ?= …… sf b/n] r'Qmf!=$ g]kfn ;]So"l/l6e P08 8]l/e]l6e PS;r]Gh lnld6]8 @,%),))) ;"rLs[t gePsf] – – ………… ;fwf/0f z]o/ ?= …… sf b/n] r'Qmf@= l8a]Gr/ tyf a08df nufgL – – – –

@=! …………………… sDkgL lnld6]8 – – – –

-………… j08 ?= ………… sf b/n]_ – – – –

@=@ ………………………… – – – –

hDdf nufgL !,^^,)&,))) @,*(,%),))) – !,^@,#@,)))#= hf]lvd ;DaGwL Joj:yf

#=! ut jif{;Ddsf] Joj:yf – – – –

#=@ o; jif{sf] yk÷-36_ – – – –

s'n Joj:yf – – –

v'b nufgL !,^^,)&,))) – – !,^@,#@,)))

Jofkfl/s nufgL-@)^^ ;fn cfiff9 d;fGt_

cg';"rL $=!@=!

ut jif{ gf˚f÷gf]S;fg /sd

ljj/0f k/n d"No kl5Nnf] ahf/ d"No -s_

xfnsf] ahf/ d"No -v_

o; jif{ gf˚f÷

-gf]S;fg_ /sd -v–s_

s}l˚ot

!= g]kfn ;/sf/sf] 6«]h/L lan

@= g]kfn ;/sf/sf] artkq

#= g]kfn ;/sf/sf] cGo C0fkq

$= g]=/f= a}+s C0fkq

%= lab]zL C0fkq

^= :jb]zL O=k= k|fKt ;+:yfsf] z]o/

&= :jb]zL O=k= k|fKt ;+:yfsf] l8j]Gr/ tyf j08

*= :jb]zL ;“ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08

(= ljb]zL a}+s nufgL -Placement_

!)= cGr/a}+s nufgL

!!= cGo nufgL

s'n nufgL


e'QmfgL ldlt;Dd wf/0f ug]{ nufgL-@)^^ ;fn cfiff9 d;fGt_

laqmLsf] nflu nufgL-@)^^ ;fn cfiff9 d;fGt_

cg';"rL $=!@=@




o; jif{ gf˚f÷


s}l˚ot

!= g]kfn ;/sf/sf] 6«]h/L lan !,$*,#&,@#,)%^

@= g]kfn ;/sf/sf] artkq –

#= g]kfn ;/sf/sf] cGo C0fkq @),(*,%),)))

$= g]=/f= a}+s C0fkq –

%= lab]zL C0fkq –

^= :jb]zL O=k= k|fKt ;+:yfsf] z]o/ –

&= :jb]zL O=k= k|fKt ;+:yfsf] l8j]Gr/ tyf j08 –

*= :jb]zL ;“ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08 –

(= ljb]zL a}+s nufgL -Placement_ $!,^@,$&,&$!

!)= cGo nufgL %,)),)),)))

s'n nufgL @,!%,(*,@),&(&

cg';"rL $=!@=#




o; jif{ gf˚f÷


s}l˚ot

!= g]kfn ;/sf/sf] 6«]h/L lan

@= g]kfn ;/sf/sf] artkq

#= g]kfn ;/sf/sf] cGo C0fkq

$= g]=/f= a}+s C0fkq

%= lab]zL C0fkq

^= :jb]zL O=k= k|fKt ;+:yfsf] z]o/

&= :jb]zL O=k= k|fKt ;+:yfsf] l8j]Gr/ tyf j08

*= :jb]zL ;“ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08 !,^^,)&,)))

(= ljb]zL a}+s nufgL -Placement_

!)= cGo nufgL

s'n nufgL !,^^,)&,)))


shf{, ;fk6 tyf lan vl/b juL{s/0f / ;f]sf] nflu Joj:yf-@)^^ ;fn cfiff9 d;fGt_ cg';"rL $=!#

!= ;lqmo shf{ ;fk6 — 38,95,15,579 12,91,41,83,973 — 13,30,36,99,552 12,12,56,792 1,95,37,000— 38,95,15,579 12,91,41,83,973 — 13,30,36,99,552 12,12,56,792 1,95,37,000 14,07,93,79214,07,93,792 13,44,44,93,34313,44,44,93,343 9,41,56,08,4329,41,56,08,432

!=! c;n — 38,95,15,579 12,89,00,04,620 — 13,27,95,20,199 9,50,50,000 1,95,37,000 11,45,87,000 13,39,41,07,199 9,37,64,44,883

!=@ k'g/;+/rgf ul/Psf] — — 2,41,79,353 — 2,41,79,353 2,62,06,792 — 2,62,06,792 5,03,86,145 3,91,63,549

@= lgl:qmo shf{ ;fk6 — 1,34,833 6,01,67,524 —— 1,34,833 6,01,67,524 — 6,03,02,357 — — — 6,03,02,3576,03,02,357 — — — 6,03,02,357 6,51,78,5116,51,78,511

@=! sd;n — — 1,40,30,855 — 1,40,30,855 — — — 1,40,30,855 2,37,83,328

@=@ z°f:kb — — 2,76,88,741 — 2,76,88,741 — — — 2,76,88,741 1,57,77,722

@=# v/fa — 1,34,833 1,84,47,928 — 1,85,82,761 — — — 1,85,82,761 2,56,17,461

s_ s'n shf{ — 38,96,50,412 12,97,43,51,497 — 13,36,40,01,909 12,12,56,792 1,95,37,000 14,07,93,792 13,50,47,95,701 9,48,07,86,943— 38,96,50,412 12,97,43,51,497 — 13,36,40,01,909 12,12,56,792 1,95,37,000 14,07,93,792 13,50,47,95,701 9,48,07,86,943

#= shf{ gf]S;fgL Joj:yf

#=! c;n — 38,95,156 12,89,00,046 — 13,27,95,202 9,50,500 1,95,370 11,45,870 13,39,41,072 9,37,64,449

#=@ k'g/;+/rgf ul/Psf] — — 30,22,419 — 30,22,419 32,75,849 — 32,75,849 62,98,268 1,19,72,602

#=# sd;n — — 35,07,714 — 35,07,714 — — — 35,07,714 59,45,832

#=$ z°f:kb — — 1,38,44,370 — 1,38,44,370 — — — 1,38,44,370 78,88,861

#=% v/fa — 1,34,833 1,84,47,928 — 1,85,82,761 — — — 1,85,82,761 2,56,17,461

v_ s'n Joj:yf — 40,29,989 16,77,22,477 — 17,17,52,467 42,26,349 1,95,370 44,21,719 17,61,74,186 14,51,89,205— 40,29,989 16,77,22,477 — 17,17,52,467 42,26,349 1,95,370 44,21,719 17,61,74,186 14,51,89,205

$= ut jif{;Ddsf] Joj:yf

$=! c;n — 29,34,492 8,97,38,175 — 9,26,72,667 6,85,942 4,05,840 10,91,782 9,37,64,449 6,25,10,467

$=@ k'g/;+/rgf ul/Psf] — — 1,19,72,602 — 1,19,72,602 — — — 1,19,72,602 1,30,99,371

$=# sd;n — — 59,45,832 — 59,45,832 — — — 59,45,832 3,679

$=$ z°f:kb — — 78,88,861 — 78,88,861 — — — 78,88,861 -

$=% v/fa — — 2,56,17,461 — 2,56,17,461 — — — 2,56,17,461 2,15,26,867

u_ ut jif{;Ddsf] s'n Joj:yf — 29,34,492 14,11,62,931 — 14,40,97,423 6,85,942 4,05,840 10,91,782 14,51,89,205 9,71,40,385— 29,34,492 14,11,62,931 — 14,40,97,423 6,85,942 4,05,840 10,91,782 14,51,89,205 9,71,40,385

3_ o; jif{sf] lkmtf{ — — 88,57,466 — 88,57,466 — — — 88,57,466 -— — 88,57,466 — 88,57,466 — — — 88,57,466 -

ª_ o; jif{sf] yk — 10,95,497 3,54,17,013 — 3,65,12,510 35,40,407 (2,10,470) 33,29,937 3,98,42,446.92 4,80,48,820— 10,95,497 3,54,17,013 — 3,65,12,510 35,40,407 (2,10,470) 33,29,937 3,98,42,446.92 4,80,48,820

r_ o; jif{sf] yk36 — 40,29,989 16,77,22,477 — 17,17,52,467 42,26,349 1,95,370 44,21,719 17,61,74,186 4,80,48,820— 40,29,989 16,77,22,477 — 17,17,52,467 42,26,349 1,95,370 44,21,719 17,61,74,186 4,80,48,820

v'b shf{ -s—v_ - 38,56,20,423 12,80,66,29,019 — 13,19,22,49,442 11,70,30,443 1,93,41,630 13,63,72,073 13,32,86,21,515 9,33,55,97,738- 38,56,20,423 12,80,66,29,019 — 13,19,22,49,442 11,70,30,443 1,93,41,630 13,63,72,073 13,32,86,21,515 9,33,55,97,738

ljj/0f

shf{ vl/b tyf l8:sfp06 ul/Psf lan:jb]zL

:jb]zLk|fylds If]q

ljldt cljldtcGo ljb]zL ljb]zL hDdf

o; jif{ ?= ut jif{ ?=

hDdf


hDdf -s±v_ !#,%),$&,(%,&)! (,$*,)&,*^,($#

;'/If0fsf cfwf/df shf{, ;fk6 / lan vl/b -@)^^ ;fn cfiff9 d;fGt_


s_ ;'/lIft

!= rn÷crn ;DklQsf] ;'/If0fdf !@,#^,#%,)(,)(( *,$^,!#,$(,(%(

@= :jb]zL a}+s tyf ljQLo ;+:yfsf] hdfgtdf !*,$!,^!,$)( @,%),)),)))

#= ;/sf/L hdfgtdf ^,)^,&),))) —

$= cGt/fli6«o >]0fLs[t a}+ssf] hdfgtdf — —

%= lgof{t sfuhftsf] ;'/If0fdf !$,)&,(#,&(@ !),(!,&*,!&(

^= d'2tL /l;bsf] ;'/If0fdf — —

s_ cfkm\g} a}+ssf] d'2tL /l;bsf] ;'/If0fdf !(,$),(%,@## !),@&,&@,#()

v_ cGo a}+ssf] d'2tL /l;bsf] ;'/If0fdf !*,!(,&!,&%* ^,!%,&&,&@*

&= ;/sf/L C0fkqsf] ;'/If0fdf — —

*= sfpG6/ hdfgtdf — —

(= JolQmut hdfgtdf — —

!)= cGo ;'/If0fdf #&,(%,($,$!) &@,)(,)*,^*&

v_ c;'/lIft — —

cg';"rL $=!# -s_

* cg';'rL $=## sf] a'“bf g+= !) df v'nfOPsf] .

hDdf -#±$±%±^_ — #,@!,*%,!&$ — $,$*,(%,@^) (,%),&&,^(& !&,@!,%*,!#! &,@#,(*,)$#

ljj/0f

!= k/ndf]n

s_ ut jif{sf] df}Hbft %^,#%,&)% @,&#,#$,#!) — $,^&,$#,%*( !,!$,$#,@(( (,!!,%^,()# ^,((,&&,$%# v_ o; jif{sf] yk — @,!^,!),#)( — #,)&,%&,#!$ !#,%^,))) %,#&,@#,^@$ @,!@,%@,(#) u_ o; jif{ k'gd"{Nof°g÷k'gn]{vg — — — — — — — 3_ o; jif{sf] laqmL — !@,)),))) — — — !@,)),))) &#,$*) ª_ o; jif{sf] ckn]vg* %^,#%,&)% — — — — %^,#%,&)% —

s'n k/ndf]n -s±v±u–3–ª_ — $,&&,$$,^!( — &,&%,)),()# !,@&,((,@(( !#,*),$$,*@@ (,!!,%^,()#

@= x|f; s§L

s_ ut jif{;Ddsf] — !,)!,^$,)%* — @,%),^(,^%) *^,#%,@@) $,#*,^*,(@* #,@#,%@,$@& v_ o; jif{sf] — %(,#*,&$* — &%,#%,(($ !%,$@,(** !,%),!&,&#) !,!%,**,(%( u_ x|f; s§L k'gd"{Nof°g÷k'gn]{vg — — — — — — — 3_ x|f; s§L ;dfof]hg÷ckn]vg — %,$#,#^) — — — %,$#,#^) &@,$%*

s'n x|f; s§L -s±v–u–3_ — !,%%,%(,$$^ — #,@^,)%,^$$ !,)!,&*,@)* %,*#,$#,@(* $,#*,^*,(@*

#= a's Eofn' -!–@_ — #,@!,*%,!&$ — $,$*,(%,@^) @^,@!,)(! &,(&,)!,%@$ $,&@,*&,(&%

$= hUuf — — — — !,*@,)),))) !,*@,)),))) !,@%,^$,@(%

%= k'“hLut lgdf{0f -k'“hLs/0f ul/g' kg]{_ — — — — ^,)),%!,%@@ ^,)),%!,%@@ —

^= lnhxf]N8 ;DklQ — — — — !,$@,)%,)*% !,$@,)%,)*% !,@%,$%,&&#

ejgkl/jxg

;fwgd]lzg/L

sfof{no

;fdfg

o; jif{ ?= ut jif{ ?=;DklQ

l:y/ ;DklQ-@)^^ ;fn cfiff9 d;fGt_

cg';"rL $=!$

cGo


hDdf !&,@),*!,%($ *,*!,)#,@!^

cGo ;DklQ-@)^^ ;fn cfiff9 d;fGt_

ljj/0f o; jif{ ut jif{

!= d;nGb df}Hbft – –

@= nufgLdf c;'n ug{ af“sL cfDbfgL !,&),&%,@%! %*,@%,@%)

#= shf{df c;'n ug{ af“sL Aofh !,(&,&#,@(! – –

-–_ Go"gM Aofh d'NtjL /sd !,(&,&#,@(! – –

$= c;'n ug{ af“sL sldzg – –

%= ;G8«L 8]6;{ @,$*,&),@#% ((,%&,^%)

^= sd{rf/L ;fk6L / k]ZsL !),(!,!(,!$% $,#(,&@,@$(

&= clu|d e'QmfgL $^,)*,^)* ^(,)*,*$^

*= dfu{:y gub – –

(= dfu{:y cGo -r]s;d]t_ %),!*,^)* !,($,@^,*^#

!)= ljgf ;"rgf 8«f6sf] e'QmfgL – –

!!= ckn]vg x'g af“sL vr{ – –

!@= zfvf lx;fa ldnfg &$,!@,!() !#,)*,$@)

!#= :yug s/ ;DklQ #!,^&,@!* –

!$= cGo &,$&,#$! &,)#,(#*

cg';"rL $=!^

u}/ a}+ls· ;DklQ-@)^^ ;fn cfiff9 d;fGt_

cg';"rL $=!%

C0fL jf kf6L{sf] gfd 7]ufgfu}/ a}+ls· ;DklQ;sf/ u/]sf] ldlt

s'n u}/ a}+ls·;DklQ /sd

gf]S;fgL Joj:yfk|ltzt /sd

o; jif{sf] v'b u}/ a}ls· ;DklQ

ut jif{

hDdf


cGo ;DklQ -yk ljj/0f_cg';"rL $=!^ -s_

!= shf{df c;'n ug{ af“sL Aofh !,%),(#,*$# $^,&(,*$# — !,(&,&#,@(! @,#&,$#,^$)

@= lagf ;"rgf 8«f6sf] e'QmfgL — — — — —

#= zfvf lx;fa ldnfg &$,!@,!() — — &$,!@,!() !#,)*,$@)

hDdf @,@%,)^,)## $^,&(,$$* — @,&!,*%,$*! @,%),%@,)^)

! jif{ ;Dd

#! cfiff9 @)^^ -!% h'nfO{ @))(_

o; jif{ ?=! b]lv # jif{ ;Dd # jif{ eGbf dfly hDdf

ut jif{ ?=ljj/0f

hDdf 1,95,86,63,819 1,52,75,99,0721,95,86,63,819 1,52,75,99,072

;Defljt bfloTjx¿#! cfiff9 @)^^ -!% h'nfO{ @))(_


!= ;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] - -

@= k|lttkqx¿ -k"/f /sd_ - -- -

s_ ^ dlxgf eGbf sd cjlwsf] 87,51,67,048 74,65,28,899

v_ ^ dlxgf eGbf a9L cjlwsf] 24,54,71,948 7,66,200

#= k'gM l8:sfp06 ul/Psf lanx¿ - -

$= Dofb gfl3 g;s]sf] Uof/]G6L÷a08 - -- -

s_ la8 a08 7,40,55,405 1,63,24,516

v_ k/˚d]{G; a08 57,92,11,684 61,60,74,734

u_ cGo Uof/]G6L÷a08 - -

%= r'Qmf jf e'Qmfg x'g af“sL z]o/ nufgL 35,75,000 -

^= ˚/jf8{ PS:r]~h sG6«fS6sf] af“sL bfloTjx¿ - -

&= sn]S;gdf /x]sf lanx¿ 6,03,06,958 3,30,82,433

*= d~h'/L tyf ;dy{g 8,31,81,408 9,28,91,629

(= k|Tofe"lt k|ltj4tf - -

!)= ckl/jTo{ shf{ k|ltj4tf - -

!!= cGt/f{li6«o >]0fLs[t a}+ssf] sfp06/ Uof/]G6Ldf lbPsf] Uof/]G6L - -

!@= clu|d e'QmfgL Uof/]G6L 3,62,88,497 2,19,30,660

!#= shf{ k|jfxsf] nflu ljQLo hdfgt - -

!$= cfos/ jfkt ;Defljt bfloTj 14,05,872 -

!%= cGo - -

cg';"rL $=!&


Aofh cfDbfgL-ldlt ! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd_

ljj/0f

s_ shf{, ;fk6 / clwljsif{df s_ shf{, ;fk6 / clwljsif{df 1,13,59,33,207 66,01,70,8641,13,59,33,207 66,01,70,864 != shf{ tyf ;fk6 74,71,97,831 46,54,72,517 @= clwljsif{ 38,87,35,376 19,46,98,347

v_ nufgLdf 11,28,96,408 5,99,82,79911,28,96,408 5,99,82,799 != g]kfn ;/sf/sf] C0fkq 6,75,65,821 2,24,90,947 s_ 6«]h/L laN; 6,65,21,968 2,22,36,833 v_ ljsf; C0fkq 10,43,854 2,54,114 u_ /fli6«o artkq – – @= ljb]zL C0fkq – – #= g]kfn /fi6« a}+ssf] C0fkq – – $= l8a]Gr/ tyf a08 – – %= cGt/ a}+s nufgL 4,53,30,587 3,74,91,852 s_ a}+s÷ljQLo ;+:yfx¿ 4,53,30,587 3,74,91,852 v_ cGo ;+:yfx¿ – –

u_ Ph]G;L df}Hbftdf 49,25,766 5,70,15149,25,766 5,70,151 != :jb]zL a}+s÷ljQLo ;+:yfx¿ 48,08,562 – @= ljb]zL a}+sx¿ 1,17,205 5,70,151

3_ dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf 1,11,00,255 91,44,8621,11,00,255 91,44,862 != :jb]zL a}+s÷ljQLo ;+:yfx¿ 28,20,686 26,57,460 @= ljb]zL a}+sx¿ 82,79,568 64,87,402

ª_ cGodf 7,26,495 3,8087,26,495 3,808 != ;l6{l˚s]6 c˚ l8kf]lh6 – – @= cGt/ a}+s÷ljQLo ;+:yf shf{ – – #= cGo 7,26,495 3,808

cg';"rL $=!*

hDdf 1,26,55,82,131 72,98,72,4841,26,55,82,131 72,98,72,484



Aofh vr{-ldlt ! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd_


s_ lgIf]k bfloTjdf 74,09,46,613 39,16,61,32974,09,46,613 39,16,61,329

!= d'2tL lgIf]k 41,69,44,731 21,42,99,32941,69,44,731 21,42,99,329

!=! :jb]zL d'b|f 41,35,37,075 21,21,61,951

!=@ ljb]zL d'b|f 3,4,07,656 21,37,378

@= art lgIf]k 14,24,85,027 9,94,63,48514,24,85,027 9,94,63,485

@=! :jb]zL d'b|f 14,20,26,231 9,89,87,123

@=@ ljb]zL d'b|f 4,58,796 4,76,362

#= dfu]sf] avt ltg'{kg]{ lgIf]k 18,15,16,856 7,78,98,51518,15,16,856 7,78,98,515

#=! :jb]zL d'b|f 17,94,43,744 7,26,32,917

#=@ ljb]zL d'b|f 20,73,112 52,65,598

$= ;l6{l˚s]6 c˚ l8kf]lh6\; - -

v_ shf{ ;fk6df 7,26,72,429 1,65,27,6267,26,72,429 1,65,27,626 != C0fkq tyf a08 1,29,42,329 -

@= g]kfn /fi6« a}+saf6 k|fKt shf{ 1,04,51,528 18,00,431

#= cGt/ a}+s÷ljQLo ;++++++:yf shf{ 4,92,78,572 1,47,27,195

$= cGo ;“ul7t ;++++:yf - -

%= cGo shf{ - -

u_ cGodf - -- -

cg';"rL $=!(

hDdf 81,36,19,042 40,81,88,95581,36,19,042 40,81,88,955

hDdf 3,25,47,830 2,14,54,4243,25,47,830 2,14,54,424

sldzg tyf l8:sfp06 cfDbfgL-ldlt ! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd_

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

s_ lan vl/b tyf l8:sfp06 4,12,235 19,57,5094,12,235 19,57,509 != :jb]zL 4,12,235 19,57,509 @= ljb]zL - -

v_ sldzg 2,54,75,709 1,80,62,8442,54,75,709 1,80,62,844 != k|lttkq 1,19,59,952 82,00,961 @= hdfgtkq 85,56,381 61,25,533 #= sn]S;g ˚L 15,10,899 15,34,577 $= /]ld6]G; ˚L 33,51,559 21,22,342 %= qm]l86 sf8{ - - ^= z]o/ k|Tofe"lt÷lgisfzg - - &= ;/sf/L sf/f]af/ jfkt - - *= Ph]G;L sld;g jfkt 96,917 79,431 (= a§f cfDbfgL - -

u_ cGo 66,59,886 14,34,07166,59,886 14,34,071

cg';"rL $=@)


hDdf cfDbfgL÷-gf]S;fg_ 3,86,82,163 2,74,87,3893,86,82,163 2,74,87,389

;6xL 36a9 cfDbfgL÷-gf]S;fgL_


s_ ljlgdo b/df ePsf] ˚/saf6 1,20,30,280 92,58,721

v_ ljb]zL d'b|f sf/f]af/af6 -a§f afx]s_ 2,66,51,883 1,82,28,668

cg';"rL $=@@-ldlt ! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd_

hDdf 7,93,84,785 4,82,47,2087,93,84,785 4,82,47,208

sd{rf/L vr{-ldlt ! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd_


!= tna 3,71,50,961 2,15,72,702

@= eQf 2,50,66,636 1,49,78,140

#= ;~rosf]ifdf yk 31,45,246 19,78,893

$= tflnd vr{ 5,47,928 9,67,563

%= kf]zfs 19,65,988 -

^= cf}ifwf]krf/ 13,44,995 9,64,252

&= aLdf 9,36,902 4,86,348

*= k]G;g tyf pkbfg 29,76,486 33,71,282

(= cGo 62,49,64462,49,644 39,28,02739,28,027

s_ Hofnf 62,49,644 39,28,027

cg';"rL $=@#

hDdf 4,63,54,2124,63,54,212 3,12,94,1593,12,94,159

cGo ;~rfng cfDbfgL-ldlt ! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd_


!= ;]˚ l8kf]lh6 eN6sf] ef8f 1,31,375 1,19,975

@= qm]l86 sf8{ lgisfzg tyf gjLs/0f - -

#= 8]la6 sf8{ lgisfzg tyf gjLs/0f - -

$= 6]n]S;÷6L=6L=÷l:j˚ \6 38,51,860 30,48,910

%= ;]jf z'Ns 4,03,40,594 2,62,84,970

^= gjLs/0f z'Ns - -

&= cGo 20,30,38220,30,382 18,40,30418,40,304

s_ ef8faf6 cfDbfgL 4,47,227 4,35,526

v_ cGo cfDbfgL 12,43,683 10,87,006

u_ kf]:6]h P08 s'l/o/ 3,39,473 3,17,772

cg';"rL $=@!


hDdf 11,48,16,885 7,14,80,86311,48,16,885 7,14,80,863

cGo ;~rfng vr{ -ldlt ! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd_

ljj/0f

!= 3/ ef8f 2,50,13,329 1,12,09,919@= lah'nL / kfgL 27,41,561 23,31,748#= dd{t tyf ;Def/ – – s_ ejg 73,496 76,901 v_ ;jf/L ;fwg 6,80,043 5,15,995 u_ ;km\6j]o/ 5,61,215 4,98,330 3_ cGo 3,54,465 37,119$= aLdf 22,65,646 15,27,405%= kf]i6]h, 6]n]S;, 6]ln˚f]g, ofS; 82,26,179 73,17,262^= sfof{no pks/0f tyf ˚lg{r/ ;Def/ 12,79,213 7,58,227&= e|d0f eQf / vr{ 32,39,365 19,33,495*= d;nGb / 5kfO{ 47,55,180 30,71,516(= kqklqsf tyf k':ts 2,28,769 127,495!)= lj1fkg 47,54,158 29,50,483!!= sfg'gL vr{ 5,48,505 3,15,701!@= rGbf 6,67,236 2,68,281!#= ;~rfns ;ldlt ;DaGwL vr{ – – s_ a}7s eQf 8,86,000 6,89,000 v_ cGo vr{ 33,11,630 15,24,797!$= ;fwf/0f ;ef ;DaGwL vr{ 5,21,134 3,35,032!%= n]vfk/LIf0f ;DaGwL – – s_ n]vfk/LIf0f z'Ns 4,60,000 2,35,000 v_ cGo vr{ 77,938 3,54,439!^= /sd :yfgfGt/0f sldzg 22,15,039 72,885!&= l:y/ ;DklQdf x|f; s§L 1,34,74,741 97,81,361!*= :yug vr{ ckn]vg 55,46,828 1,06,84,252!(= z]o/ lgisfzg vr{ 12,77,070 2,92,153@)= k|fljlws÷k]zfut ;]jf z'Ns – –@!= dgf]/~hg tyf Jofkf/ k|j4{g ljsf; vr{ 51,42,846 12,94,581@@= ckn]vg vr{ – –@#= ;'/Iff vr{ 65,39,095 36,16,050@$= shf{ ;'/If0f lk|ldod – –@%= sldzg tyf l8:sfp06 9,03,614 4,21,746@^= cGo – – s_ k]zfut vr{ 25,68,679 6,49,753 v_ OGwg vr{ 56,35,655 24,21,350 u_ z'Ns / b:t'/ 14,61,406 3,22,773 3_ P;\;L6L vr{ 6,20,925 7,86,150 ª_ Hofnf vr{ 37,72,583 20,86,193 r_ ;b:otf vr{ 9,26,553 5,40,950 5_ gg\ Soflk6nfOH8 cfO6D; 5,06,288 5,42,232 h_ uNtL, hl/jfgf / 3f6f 10,04,115 6,64,558 em_ shf{ ;"rgf vr{ – 1,53,300 `_ sd{rf/L egf{ vr{ 15,000 3,81,544 6_ ljljw 25,61,387 6,90,887

cg';"rL $=@$



u}/ ;~rfng cfDbfgL ÷-gf]S;fg_-ldlt ! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd_


!= nufgL laqmLaf6 cfDbfgL÷-gf]S;fg_ - -

@= ;DklQ laqmLaf6 cfDbfgL÷-gf]S;fg_ - 7,731

#= nfef+z - -

$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot - -

s_ tf]lsPsf] zfvfx¿sf] gf]S;fg jfkt Ifltk"lt{ - -

v_ Aofh Ifltk"lt{ - -

u_ ;6xL sfp06/ - -

%= cGo - -

s_ u}/ a}+ls· ;DklQsf] ljqmLaf6 ˚fObf - 4,98,491

v'b u}/ ;~rfng cfDbfgL÷-gf]S;fg_ - 5,06,2225,06,222

cg';"rL $=@^

hDdf 3,98,42,447 4,80,48,8203,98,42,447 4,80,48,820

;Defljt gf]S;fgL Joj:yf-ldlt ! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd_


!= shf{ gf]S;fgL Joj:yfdf ePsf] j[l4 3,98,42,447 4,80,48,820

@= nufgL gf]S;fgL Joj:yfdf ePsf] j[l4 – –

#= u}/ a}+ls· ;DklQ gf]S;fgL Joj:yf – –

$= cGo ;DklQdf ul/Psf] Joj:yf – –

cg';"rL $=@%

;Defljt gf]S;fgL Joj:yfaf6 lkmtf{-ldlt ! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd_


!= shf{ gf]S;fgL Joj:yfaf6 l˚tf{ 88,57,466 -

@= u}/ a}+ls· ;DklQ gf]S;fgL Joj:yfaf6 l˚tf{ - 40,31,246

#= nufgL Joj:yfaf6 l˚tf{ - -

$= cGo ;DklQsf] Joj:yfaf6 l˚tf{ - -

hDdf 88,57,466 40,31,24688,57,466 40,31,246

cg';"rL $=@&


hDdf 88,57,466.42 -88,57,466.42 -

c;fdfGo sf/f]af/af6 ePsf]] cfDbfgL÷-vr{_-ldlt ! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd_


!= ckn]vg ePsf] shf{sf] c;'nL - -

@= :j]lR5s cjsfz vr{ - -

#= c;'nL x'g g;Sg] shf{sf] ckn]vg -cg';"rL @* s_ 88,57,466.42 -

$= cGo -vr{_÷cfDbfgL - -

cg';"rL $=@*

ckn]lvt shf{sf] ljj/0f-ldlt ! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd_

cg';"rL $=@*-s_

qm=;+=

shf{ k|sf/ ckn]vg ul/Psf] /sd

lwtf]sf] k|sf/ tyf

/sd

lwtf] d"Nof°gsf] cfwf/

shf{ :jLs[t ug]{ clwsf/L / tx

shf{ c;'nLsf nflu eP u/]sf k|of; s}l˚ot

! rfn' k'“hL shf{ –

@ kl/of]hgf shf{ –

# l:y/ k'“hL shf{ –

$ cGo shf{ **,%&,$^^=$@ l8=l;= vGgf /

P;=Pg= uf}td

hDdf **,%&,$^^=$@

;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L tyf Ps k|ltzteGbf a9L z]o/

lng] z]o/xf]N8/x¿nfO{ uPsf] shf{ ;fk6 ljj/0f

-@)^^ cfiff9 d;fGt ;Dd_

cg';"rL $=@(

;+:yfks÷;~rfns÷sfo{sf/L k|d'vsf] gfd

!_ ;~rfns — — — — — — —

@_ sfo{sf/L k|d'v — — — — — — —

#_ ;+:yfks — — — — — — —

$_ sd{rf/L — — — — — — —

%_ z]o/wgLx¿ — — — — — — —

;f“jf Aofh ;f“jf Aofho; jif{ ?=

yk shf{ ;f“jf Aofh

ut jif{sf] af“sL o; jif{ c;'nL cfiff9 d;fGt;Dd af“sL

hDdf — — — — — — —

vl/b tyf l8:sfpG6 ul/Psf lanx¿ / shf{, ;fk6 tyf clwljsif{df k|jflxt s'n /sddWo] ;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/ xf]N8/x¿ / lghx¿sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d}g]lh· Ph]G6 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .

lg/Gt/ tfs]tf, ;"rgf k|sfzg kZrft\

uf8L h˚t ul/Psf]


k'“hLsf]if tflnsf-ldlt ! >fj0f @)^% b]vL #! cfiff9 @)^^ ;Dd_

ljj/0f o; jif{ ut jif{

!=!_ hf]lvd efl/t ;DklQ 1,52,10,560 1,10,81,3731,52,10,560 1,10,81,373 s= shf{ hf]lvd 1,45,81,786 1,06,29,677 v= ;~rfng hf]lvd 6,22,293 4,34,021 u= ahf/ hf]lvd 6,482 17,675!=@_ s'n k'“hLsf]if -s±v_ - - s_ k|fylds k'“hL -tx !_ 12,57,070 10,49,68012,57,070 10,49,680 s= r'Qmf k'“hL 9,52,200 8,28,000 v= l˚tf{ gx'g] cu|flwsf/ z]o/ - - u= z]o/ lk|ldod - - 3= k|:tfljt af]g; z]o/ 1,42,830 1,24,200 ª= ;fwf/0f hu]8f sf]if 1,18,385 74,802 r= ;l~rt gf˚f÷-gf]S;fg_ 18,167 1,122 5= rfn" cf=j=sf] gf˚f÷-gf]S;fg_ - - h= k'“hL l˚tf{ hu]8f sf]if - - em= k'“hL ;dfof]hg sf]if 7,949 36,555 `= nfef+z ;lds/0f sf]if - - 6= C0fkq e'QmfgL sf]if 32,539 - 7= cGo :jtGq sf]if - - 36fpg] s= Voflt -Goodwill_ jfktsf] /sd - - v= ckn]vg gul/Psf ljljw vr{ - - u= Ohfht k|fKt ;+:yfdf ul/Psf] z]o/ nufgL - - 3= ljQLo :jfy{ /x]sf] sDkgLdf /x]sf] nufgL 15,000 15,000 ª= ;LdfeGbf a9L nufgL - - r= k|Tofe"lt -Underwriting_ cGtu{t ul/Psf] nufgL - - 5= kf/:kl/s qm; xf]lN8· - - h= cGo - - v_ k"/s k'“hL -tx @_ 3,68,385 97,4313,68,385 97,431 s= So'Do'n]l6e / l/l8d]jn lk|˚/]G; z]o/ - - v= ;'/If0f g/flvPsf] ;xfos cfjlws C0f 2,27,770 - 36fpg]–j08 l/8]DK;g l/he{ - - u= xfOla|8 k'“hL pks/0fx¿ 1,33,941 93,764 3= c;n shf{ gf]S;fgL Joj:yf 6,674 3,666 ª= ;6xL ;dLs/0f sf]if - - r= nufgL ;dfof]hg sf]if - - 5= ;DklQ k'gd"{Nof°g sf]if - - h= cGo sf]if - - s'n k'“hLsf]if -tx !±@_ 16,25,456 11,47,11116,25,456 11,47,111!=#_ k'“hLsf]if cg'kft k|fylds k'“hL÷s'n hf]lvd efl/t ;DklQ -Tier I) 8.26 9.478.26 9.47 k'“hLsf]if÷s'n hf]lvd efl/t ;DklQ -Tier I tyf Tier II) 10.69 10.3510.69 10.35

?= xhf/df

cg';"rL $=#)-s_


sh

f{ hf]lv

d-@)^

^ cfiff9 d

;fGt

;Dd

_?= x

hf/df

cg';

"rL $=#)-v_

s_

jf;n

ft a

df]lh

dsf] ;D

klQ

gu

b df

}Hbft

2,70

,946

—

—

2,70

,946

0%

—

1,49,00

7 —

g]k

fn /

fi6« a

}+sdf

/x]s

f] df}Hbft

9,84,981

—

—

9,84,981

0%

—

2,70

,219

—

g]k

fn ;

/sf/sf] C

0fkqd

f ul/Ps

f] nuf

gL

16,93,57

3 —

—

—

0%

—

— —

g]k

fn ;

/sf/ p

k/sf] ;

Dk"0f{

bfjL

74,104

—

—

16,93,57

3 0%

—

8,4

6,30

9 —

g]k

fn /

fi6« a

}+ssf] C

0fkqd

f ul/Ps

f] nuf

gL

—

—

—

74,104

0%

—

— —

g]k

fn /

fi6« a

}+s p

k/sf] ;

Dk"0f{

bfjL

—

—

—

—

0%

—

— —

ljb]z

L ;/s

f/ t

yf s

]Gb|Lo a

}+s p

k/sf] b

fjL -

ECA

ratin

g 0-

1_

—

—

—

—

0%

—

— —

ljb]z

L ;/s

f/ t

yf s

]Gb|Lo a

}+s p

k/sf] b

fjL -

ECA

ratin

g -2_

—

—

—

—

20%

—

— —

ljb]z

L ;/s

f/ t

yf s

]Gb|Lo a

}+s p

k/sf] b

fjL -

ECA

ratin

g -3_

—

—

—

—

50%

—

— —

ljb]z

L ;/s

f/ t

yf s

]Gb|Lo a

}+s p

k/sf] b

fjL -

ECA

ratin

g 4-

6_

—

—

—

—

100%

—

— —

ljb]z

L ;/s

f/ t

yf s

]Gb|Lo a

}+s p

k/sf] b

fjL -

ECA

ratin

g -7_

—

—

—

—

150%

—

— —

BI

S, IM

F, E

CB, E

C /

ax'kI

fLo lj

sf;

a}+sx¿

pk/

sf] b

fjL

—

—

—

—

0%

—

— —

cG

o ax

'kIFLo

ljsf;

a}+sx¿

pk/

sf] b

fjL

—

—

—

—

100%

—

— —

;f

j{hlgs ;

+:yf p

k/sf] b

fjL -

ECA

ratin

g 0-

1_

—

—

—

—

20%

—

— —

;f

j{hlgs ;

+:yf p

k/sf] b

fjL -

ECA

ratin

g -2_

—

—

—

—

50%

—

— —

;f

j{hlgs ;

+:yf p

k/sf] b

fjL -

ECA

ratin

g 3-

6_

—

—

—

—

100%

—

— —

;f

j{hlgs ;

+:yf p

k/sf] b

fjL -

ECA

ratin

g -7_

—

—

—

—

150%

–

— —

tf]ls

Psf] k

'“hLsf]if s

fod

ug]{ :jb

]zL a

}+s p

k/sf] b

fjL

7,38

,445

—

—

7,38

,445

20%

1,47,68

9 5,31

1 1,06

2

tf]ls

Psf] k

'“hLsf]if s

fod

gug]{

:jb]z

L a}+s p

k/sf] b

fjL

—

—

—

– 10

0%

—

— —

ljb]z

L a}+s p

k/sf] b

fjL -

ECA

ratin

g 0-

1_

3,08

,919

—

—

3,08

,919

20

%

61,784

12,8

88

2,57

8

ljb]z

L a}+s p

k/sf] b

fjL -

ECA

ratin

g -2_

—

—

—

—

50%

—

—

—

ljb]z

L a}+s p

k/sf] b

fjL -

ECA

ratin

g 3-

6_

—

—

—

—

100%

—

—

—

ljb]z

L a}+s p

k/sf] b

fjL -

ECA

ratin

g -7_

—

—

—

—

150%

—

—

—

tf]ls

Psf] k

'“hLsf]ifdf

! k

|ltzt

eGbf a

9Ln]

k'“hLs

f]if s

fod

ug]{ S

AARC

If]qleq

:y

fkgf e

Psf l

jb]zL a

}+s p

k/sf] b

fjL

1,95

,481

—

—

1,95

,481

20%

39,096

—

—

:jb]z

L ;+3

;+:yf

x¿ p

k/sf] b

fjL

71,17,73

4

—

2,35

,371

68

,82,36

2 10

0%

68,8

2,36

2 46,43,11

9 46,43,11

9

ljb]z

L ;+3

;+:yf

x¿ p

k/sf] b

fjL -

ECA

ratin

g 0-

1_

—

—

—

—

20%

—

— —

ljb]z

L ;+3

;+:yf

x¿ p

k/sf] b

fjL -

ECA

ratin

g -2_

—

—

—

—

50%

—

— —

ljb]z

L ;+3

;+:yf

x¿ p

k/sf] b

fjL -

ECA

ratin

g 3-

6_

—

—

—

—

100%

—

— —

ljb]z

L ;+3

;+:yf

x¿ p

k/sf] b

fjL -

ECA

ratin

g -7_

—

—

—

—

150%

—

— —

pk

ef]Uo

tyf

;fgf s

hf{ -

Regu

lato

ry R

etai

l Por

tfolio

_ -e

fvf g

gf3]s

f]_ 14

,85,53

1 —

—

14,8

5,53

1 75

%

11,14,148

16,56,50

3 12

,42,37

7

u|fg'n

fl/6L ;

Ldf a

fx]s c

Go z

t{ kfng

f u/]s

f] pke

f]Uo t

yf ;

fgf s

hf{

22,4

73

—

—

22,4

73

100%

22

,473

—

—

cfjfl;

o 3/

hUuf

af6

;'/lIf

t bfjL

9,31

,036

—

—

9,31

,036

60

%

5,58

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5,47,38

4

3,28

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cf

jfl;

o 3/

hUuf

af6

;'/lIf

t bfjL -ef

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—

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150%

—

—

—

cfjfl;

o 3/

hUuf

af6

k"0f{ ;

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geP

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fjL

—

—

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—

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Jo

fkfl/

s 3

/hUu

faf6 ;

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ahf/ hf]lvd-#! cfiff9, @)^^_

! ef/tLo ?k}of 4,456 7,130 7,130 5128

@ cd]l/sL 8n/ 23 1,762 1,762 25,638

# o"/f] 4 446 446 3,081

$ kfp08 :6ln{ª\ 24 3,021 3,021 1,444

% hfkflgh o]g 726 605 605 60

^ & * v'b cj:yfM -s_ 12,96412,964 35,35035,350

tf]lsPsf] k|ltztM -v_ 5% -

ahf/ hf]lvdsf nflu cfjZos k'“hLM -u_ ≠ -sxv_ 648648 1,7671,767

hf]lvd ef/ u'0ff°M -3_ 10 -

ahf/ hf]lvdsf nflu hf]lvd efl/t /sdM -ª_ ≠-ux3_ 6,4826,482 17,67517,675

?= xhf/df

cg';"rL $=#)-ª_

ljb]zL d'b|fsf]v'b cj:yf

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ljb]zL d'b|fsf]v'b

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ljb]zL d'b|fsf];fGble{s v'bcj:yf -g]=?=_

;~rfng hf]lvd-#! cfiff9, @)^^_

ljj/0f bf]>f] jif{ t]>f] jif{ ut jif{

v'b Aofh cfDbfgL 4,51,963 3,21,684 2,09,813 3,21,684

sldzg tyf l8:sfp06 32,548 21,454 20,178 21,454

cGo ;~rfng vr{ 46,354 31,294 18,659 31,294

;6xL 36a9 cfDbfgL 38,682 27,487 14,246 27,487

yk Aofh d'NtaL lx;fa (3,970) 3,113 11,081 3113

s'n cfDbfgLM -s_ 5,65,577 4,05,032 2,73,976 4,05,0325,65,577 4,05,032 2,73,976 4,05,032

tf]lsPsf] k|ltzt -Alfa_M -v_ 15% 15% 15% -

s'n cfDbfgLsf] tf]lsPsf] k|ltztn] x'g] /sdM -u_≠sxv 84,837 60,755 41,096 60,75584,837 60,755 41,096 60,755

;~rfng hf]lvdsf] nflu cfjZos k'“hLM -3_≠u sf] cf};t - - 62,229 43,402- - 62,229 43,402

hf]lvd ef/ u'0ff°M -ª_ - - 10 -

;~rfng hf]lvdsf] nflu hf]lvd efl/t /sdM -r_≠3xª - - 6,22,293 4,34,021- - 6,22,293 4,34,021

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k|d'v ;"rsf°x¿ cg';"rL $=#!

!= v'b gf˚f÷s'n cfDbfgL k|ltzt -19.34% 29.25% 19.13% 17.83% 17.67% 15.75%@= k|lt z]o/ cfDbfgL ?= (8.89) 20.08 13.05 15.88 17.29 22.89#= k|lt z]o/ ahf/ d"No ?= - - 360 778 1090 1000$= d"No cfDbfgL cg'kft (PE Ratio) cg'kft - - 27.59 48.98 63.04 43.70%= z]o/ k'“hLdf nfef+z -af]g; ;lxt_ k|ltzt - - - 15.79% 15.79% 10.53%^= z]o/ k'“hLdf gub nfef+z e'QmfgL k|ltzt - - - 0.79% 0.79% 10.53%&= Aofh cfDbfgL÷shf{ tyf ;fk6 k|ltzt 7.30% 7.49% 7.37% 6.37% 6.96% 8.41%*= sd{rf/L vr{÷s'n ;~rfng vr{ k|ltzt 19.68% 14.18% 11.65% 9.31% 9.14% 7.88%(= Aofh vr{÷s'n lgIf]k tyf ;fk6L k|ltzt 4.60% 3.47% 3.75% 3.85% 3.93% 6.12%!)= ;6xL 36a9 cfDbfgL÷s'n cfDbfgL k|ltzt 1.72% 2.98% 3.53% 2.66% 3.39% 2.80%!!= sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt - 47.49% 35.09% 41.38% 44.97% 38.42%!@= v'b gf˚f÷shf{ tyf ;fk6 k|ltzt -2.10% 2.73% 1.72% 1.53% 1.53% 1.63%!#= v'b gf˚f÷s'n ;DklQ k|ltzt -1.67% 2.27% 1.37% 1.20% 1.23% 1.22%!$= s'n shf{÷lgIf]k k|ltzt 114.95% 104.42% 98.75% 95.39% 93.03% 85.18%!%= s'n ;~rfng vr{÷s'n ;DklQ k|ltzt 4.50% 4.62% 4.71% 4.54% 4.52% 5.64%!^= hf]lvd efl/t ;DklQdf k'“hLsf]ifsf] kof{Kttf s_ k|fylds k'“hL k|ltzt 16.04% 12.77% 13.29% 10.78% 10.27% 8.26% v_ k"/s k'“hL k|ltzt 0.72% 0.87% 0.87% 1.05% 0.97% 2.42% u_ s'n k'“hLsf]if k|ltzt 16.76% 13.64% 14.16% 11.84% 11.24% 10.69%!&= t/ntf k|ltzt 6% 5.21% 5.03% 5.07% 5.11% 6.36%!*= lgliqmoshf{÷s'n shf{ k|ltzt 4.85% 2.58% 0.87% 0.34% 0.69% 0.45%!(= Aofh b/ cGt/ k|ltzt 5.53% 4.46% 4.07% 3.57% 3.71% 3.45%@)= a's g]6jy{ k|ltz]o/ ?= 31,76,09,000 38,78,89,000 60,31,41,455 79,37,09,939 1,07,96,59,950 1,27,87,44,526@!= s'n z]o/ ;+Vof 35,00,000 35,00,000 50,00,000 60,00,000 8280000 95,22,000@@= s'n sd{rf/L ;+Vof 47 56 72 79 116 168

ljj/0f @)^%÷^^;"rsf° @)^!÷^@@)^)÷^! @)^@÷^# @)^#÷^$ @)^$÷^%

cfly{s jif{


cg';"rL $=#@

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l;$fy{ a}+s lnld ]̂* -a}+s_ g]kfndf :yflkt l;ldt bfloTj ePsf] sDkgL xf] . o;sf] /lhi^*{ sfof{no sf&df*F}+df /x]sf] % . of] a}+s g]kfn lwtf]kq ljlgdo ahf/ lnld ]̂*df ;úrLs[t % .

of] a}+s g]kfndf jfl)fHo a}+ssf] ?kdf sfo{/t % . ;+nUg ljlQo ljj/)fx? a+}ssf] ;+rfns ;ldltn] ldlt 2 d+l;/ 2066 df kfl/t u/]sf] lyof] .

@_ k|d'v n]vf gLltx?sf] ;f/f+z

ljQLo ljj/)fx? Tfof/ kfbf{ cfwf/ dflgPsf ;j{dfGo n]vf gLltx? tn pNn]v ul/Psf %g\ . cGoyf n]lvPsf]df afx]s oL gLltx?sf] kfngf lg/Gt/ ?kdf ul/Psf] % .

#_ n]vf ;DaGwL cjwf/0Ff

ljQLo ljj/)fx? cGoyf pNn]v ePsf cj:yfx? afx]s g]kfn n]vfdfg af]*{$f/f hf/L ul/Psf dfkb)*x?, n]vfsf ;j{dfGo

l;$fGtx?, a}+s tyf ljQLo ;+:yf ;DaGwL P]g, g]kfn /fi «̂ a}+s$f/f hf/L ul/Psf lgb]{zgx? tyf sDkgL P]gsf] clwgdf /xL

tof/ kfl/Psf] % .

$_ n]vf°gsf] cfwf/

ljQLo ljj/)Fx? g]kfnL dÚb|fdf lgs^td\ ?k}+ofdf kl/jt{g ul/ b]vfO{Psf %g\ . ljQLo ljj/)Fx? P]ltxfl;s nfutsf] cfwf/df

tof/ kfl/Psf%g\ . g]kfn n]vf dfkb)*x? tyf n]vfsf ;j{dfGo l;$fGtx? cgÚ?k ljQLo ljj/)fx? tof/ kfbf{ s]xL cfjZos

n]vf cgÚdfgx? ul/Psf %g\ . ;fy} ljleGg n]vf gLltx?sf] kfngf ug]{ qmddf Joj:yfkg$f/f ljj]s klg k|of]u ugÚ{kg]{ cfjZostf

/xG% .

%_ Jofh u0fgf ug]{ tl/sf

lgIf]kdf tyf ;fk^Ldf lbOg] Jofh / shf{ tyf nufgLdf lnOg] JofhnfO{ 365 lbgnfO{ Ps jif{sf] cfwf/ dfgL u)Fgf ul/Psf]

% . ljb]zL dÚb|Fx? h:t}M cd]l/sL *n/df ul/Psf] nufgLjf^ k|FKt Jofh cfDbfgLnfO{ 360 lbgsf] cfwf/df u)Fgf ug]{ ul/Psf]

% .

^_ Aofh cfDbfgL

shf{ tyf ;fk^Ldf k|FKt xÚg] Aofh g]kfn /fi «̂ a}+ssf] lgb]{lzsf cgÚ;f/ gub k|FlKtsf] cfwf/df n]vf+sg ul/Psf] % . o;/L

Jofh cfonfO{ gub k|FKtLsf] cfwf/df n]vf+sg ugÚ{ g]kfn n]vfdfg -cfosf] n]vf+sg_ sf] cfonfO{ kfs]sf] cfwf/df n]vf+sg

ugÚ{kg]{ l;$fGtsf] cgÚ?k %}g . a}+s$f/f g]kfn /fi «̂ a}+ssf] lgb]{zg cgÚ?k kfngf ul/Psf] n]vf+sg ljlw cem ;+ls)F{ % . nufgLaf^ cflh{t Jofh cfDbfgLnfO{ kfs]sf] cfwf/df n]vf+sg ul/Psf] % .

&_ z'Ns tyf sldzg cfDbfgL

Ps jif{eGbf a(L cjlwsf hdfgt kqjfkt k|FKt xÚg] ?=1,50,000 -Ps nfv krf; xhf/_ eGbf j(Lsf] sld;gnfO{ cfh{g ePsf] cjlwsf] cfwf/df cfDbfgL hgfpg] ul/Psf] % .

*_ nfef+z cfo

z]o/ nufgLaf^ k|FKt nfef+z cfonfO{ gub k|FKtLsf cfwf/df n]vf+sg ul/Psf] % .

(_ Aofh vr{

lgIF]k bfloTj tyf a}+sn] lnPsf] ;fk^Ldf ltgÚ{kg]{ AofhnfO{ kfs]sf] cfwf/df n]vf+sg ul/Psf] % .


!)_ lab]zL ljlgdo sf/f]jf/x?

ljb]zL dÚb|fdf /x]sf] ;DklQ Pj+ bfloTjx?nfO{ jiff{Gtdf /x]sf] vl/b b/n] g]kfnL ?k“}ofdf ?kfGt/)F ul/Psf] % .

ljb]zL dÚb|fsf] vl/b b/ / ljqmL b/sf] leGgtfjf^ k|FKt cfonfO{“ ;^xL #^j( cfDbfgL zLif{sdf b]vfO{Psf] % .

ljb]zL dÚb|fsf] ljlgdo b/df ePsf] km/saf^ ePsf] gfkmfnfO{ kÚg{dúNof+sg cfDbfgL lzif{sdf n]vf°g ul/Psf] % . g]kfn /fi «̂ a}+ssf] lgb]{zfgÚ;f/ o:tf] gfkmfsf] 25 k|ltztn] xÚg] /sd gfkmf–gf]S;fg af“*kmf“* lx;fj dfkm{t ;^xL #â( sf]ifdf ;fl/Psf] % .

!!_ shf{, ;fk6, clwljsif{ tyf ljn vl/b

o; zLif{sdf u|FxsnfO{ k|bfg ul/Psf k|ToIF shf{x? kb{%g\ . o; cGtu{t cNkfjlw shf{, bL#f{jlw shf{, pkef]Qmf shf{ tyf k|Fyldstf k|FKt / ljkGg ju{ shf{x? /x]sf %g\ húg g]kfn /fi «̂ a}+ssf] lgb]{lzsfsf] clwgdf /lx hf]lvdsf] cfwf/df jlu{s/)f ul/Psf %g\ . pk/f]Qm shf{, ;fk^, clwljsif{ / lan vl/b /sdnfO{ shf{ gf]S;fgL Aoj:yf #^FO{ vÚb /sd jf;nftdf b]vfO{Psf] % .

!@_ sd{rf/L shf{

a}+ssf lgodx?sf] clwgdf /xL sd{rf/Lx?nfO{ k|bfg ul/Psf shf{ tyf ;fk^Lx? ‘‘cGo ;DklQx?Æ lzif{s cGtu{t b]vfO{Psf]

% .

!#_ shf{ gf]S;fgL Joj:yf

shf{ tyf ;fk^df lglxt hf]lvdnfO{ GoúgLs/)F ug{ shf{ ;fk^nfO{ g]kfn /fi «̂ a}+ssf] lgb]{lzsf cgÚ;f/ juL{s/)F u/L 1 b]vL

100 k|ltzt ;Dd ;Defljt shf{ gf]S;fgL afkt Aoj:yf ul/Psf] % .

!$_ ckn]vg

g]kfn /fi «̂ a}+ssf] lgb]{lzsf cgÚ;f/ v/fj >]l)Fdf jlu{s[t shf{nfO{ g]kfn /fi «̂ a}+s$f/f :jLs[t a}+ssf] shf{ ckn]vg ljlgodfjnLsf]

clwgdf /xL ;f] C)F pk/ a}+ssf] bfjLnfO{ cljlR%Gg /fvL lstfjL ckn]vg ul/g]% .

!%_ nufgLx?

;/sf/L ;Ú/IF)Fx?df u/]sf] nufgLsf] n]vf°g k/ndf]ndf ul/Psf] % .

lwtf]kq ahf/df ;úrLs[t gePsf sDkgLsf] z]o/df ul/Psf] nufgLx? k/ndf]ndf n]vf+sg ul/Psf] % .

lwtf]kq ahf/df ;úrLs[t ePsf z]o/nfO{ k/ndf]n jf jhf/ dúNodWo] hÚg #^L xÚG% ;f] sf] cfwf/df n]vf+sg ul/Psf] % .

g]kfn /fi «̂ a}+ssf] lgb]{zg cgÚ;f/ nufgL kÚg/fjnf]sg ug]{ ul/Psf] % .

!^ l:y/ ;DklQ tyf x|F;s§L

l:y/ ;DklQnfO{ P]ltxfl;s nfut cjwf/)Ffsf cfwf/df x|F;s§f u/L b]vfO{Psf] % .

cgÚdflgt pkof]uL cfoÚ cjlw cgÚ?k l:y/ ;DklQsf] x|F;s§L # \̂bf] x|f;s§L b/ k|)FfnLcgÚ;f/ x|F;s§L ul/Psf] % . hUufdf

x|F;s§L ul/Psf] %}g . ljleGg ju{sf ;DklQdf lgDg b/x?df x|F;s§L ug]{ ul/Psf] % .

;DklQsf] ju{ x|F;s§L b/

ejg %∞

sfof{no ;+rfng pks/)F @%∞

sDKoÚ^/ @%∞

kmlg{r/ tyf lkmS;r/ @%∞

;jf/L ;fwg @)∞

cGo ;DklQ !%∞


!&_ k'“hLs[t gul/Psf ;DklQ

Ps jif{eGbf sd ;do l^Sg] /÷jf ? 5,000 eGbf sd dúNo /x]sf ;fdfgx? k"“hLs[t gu/L vl/b u/]s} jif{df vr{ n]Vg] ul/Psf] % .

!*_ ;km\6j]o/ vr{

;km\^j]o/tkm{ ul/Psf] vr{nfO{ k/ndf]ndf n]vf°g u/L vl/b ul/Psf] ldltjf^ kf“r jif{leq kl/zf]wg ug]{ ul/Psf] % .

!(_ k§fdf lnOPsf] ;DklQ

k§fdf lnPsf ;DklQx?sf] vr{nfO{ kf“r jif{leq jf af“sL /x]sf] k§f cjlwleq dWo] hÚg klxn] xÚG% ;f] cjlwdf bfdf;fxL ?kn] kl/zf]wg ul/Psf] % .

@)_ u}/ a}+ls· ;DklQsf] n]vf+sg

u}/ a}+lsé ;DklQnfO{ k|rlnt ahf/ dúNo jf p&Fpg af“sL C)Fsf] ;f+jf /sddWo] hÚg sd xÚG% ;f]xL cgÚ;f/ n]vf°g ul/Psf] % . u}/ a}+lsé ;DklQx?df ;Defljt gf]S;fgL Joj:yf g]kfn /fi «̂ a}+ssf] lgb]{lzsf adf]lhd ul/Psf] % .

@!_ sd{rf/L ;+rosf]if, sd{rf/L pkbfg sf]if Pj+ sd{rf/L ljbf jfktsf] e'QmfgL

sd{rf/L ;+rosf]ifnfO{ cfh{gsf] cfwf/df u)Fgf u/L sd{rf/L vr{df hf]l*Psf] % .

o; a}+ssf :yfoL sd{rf/Lx?sf] nflu sd{rf/L lgodfjnLdf Joj:yf eP cgÚ;f/ pkbfg sf]ifsf] Joj:yf ePcgÚ;f/ pkbfg

sf]ifsf] Joj:yf ul/Psf] % . cfiff( d;fGt 2066 ;Ddsf] pkbfg bfloTj a/fa/sf] /sd pkbfg sf]ifdf %Ú§fO{Psf] % .

sd{rf/Lx?$f/f r}q d;fGt ;Dddf cflh{t ljbfnfO{ gubsf] cfwf/df eÚQmfgL ul/Psf] % / af“sL ;+lrt ljbf jfktsf] /sd eÚQmfgL

u/]sf] j]nf gubsf] cfwf/df n]vf+sg ul/Psf] % . o;/L ;+lrt ljbf jfktsf] vr{ k|rlnt gubsf] cfwf/df n]vf+sg ugÚ{ g]kfn

n]vfdfg cgÚ?k %}g .

@@_ :6]zg/L df}Hbft

sfof{nosf] nflu cfjZos kg]{ d;nGb tyf %kfO{ vl/b u/]s} jif{df vr{ n]Vg] ul/Psf] % .

@#_ cfos/ Joj:yf

cfos/ Joj:yf cfos/ P]g 2058 -;+zf]wg;lxt_ adf]lhd ul/Psf] % .

ljQLo ljj/)F cgÚ;f/sf] ;DklQ tyf bfloTjsf] /sd tyf s/sf cfwf/ aLr km/s eO{ >[hgf xÚg] c:yfoL cGt/ (Temporary Difference) sf] sf/)Fn] eljiodf >[hgf xÚg] s/ bfloTj tyf ;DklQsf] nut /fVg] pb]Zon] ;DklQ tyf bfloTjsf]

cfwf/df :yug s/sf] n]vf+sg ul/Psf] % . :yug s/ ;DklQ tyf bfloTj dfkg ug{sf nflu hÚg jif{df c:yfoL cGt/

;dfof]hg xÚg ;S% ;f]xL jif{sf nflu P]g$f/f nfuÚ eO{;s]sf] s/sf] b/ jf xfnsf] s/sf] b/ nfuÚ xÚg] cgÚdfg u/LPsf] % . ;fy} :yug s/ ;DklQnfO{ eljiodf kof{Kt s/ of]Uo cfo l;lh{t eO{ pQm s/ of]Uo cfodf ;dfof]hg ug{ ;Sg] cgÚdfg u/L u/L n]vf+sg ul/Psf] % .

@$_ ;+efljt bfloTj

a}+ssf] ;+efljt bfloTjx?nfO{ jf;nftsf] cleGg c+usf] ?kdf b]vfO{Psf] % .

@%_ ljut jif{sf] c+sx?

ut jif{sf] c+sx? cfjZostfcgÚ;f/ kÚg{juL{s/)F tyf kÚg{n]vg ul/Psf] % .


cg';"rL $=##

n]vf ;DaGwL l6Kk0fLx¿

!= Aofh d'NtjL lx;fj

shf{ tyf nufgLsf] Jofh cfDbfgLnfO{ gub k|FKtLsf] cfwf/df n]vf+sg ul/Psf] % . 31 cfiff( 2065 df p&\g af“sL Jofh ?= 19,773,291 nfO{ g]kfn /fi «̂ a}+ssf] lgb]{lzsf cgÚ;f/ Jofh dúNtjL lx;fjdf ;fl/Psf] % .

@= sd{rf/L af]g; Aoj:yf

cf=j= 2065÷66 df hf]lvd Joj:yf tyf af]g; kl%sf] gfkmfsf] 10 k|ltztn] xÚg] /sd ?=3,05,00,289 sd{rf/L af]g; sf] nfuL Joj:yf ul/Psf] % .

#= sd{rf/L cfjf; ;fk6L Joj:yf

a}+ssf] sd{rf/L lgodfjnL cgÚ;f/ of]Uo sd{rf/LnfO{ cfjf; C)fsf] Aoa:yf ul/Psf]n] >d P]g 2048 adf]lhd sd{rf/Lx?sf] nflu cfjf;sf] lgldQ %Ú§} sf]ifsf] Joj:yf ul/Psf] %}g .

$= ;fwf/0F hu]8f sf]if

a}+s tyf ljQLo ;+:yf lgodfjnL 2063 sf] cfjZostf cgÚ;f/ vÚb dÚgfkmfsf] 20∞ /sd cyjf ?=4,35,83,162 ;fwf/)f hu]*f sf]ifdf :yfgfGt/)f ul/Psf] % .

%= a}+sn] ;'/If0fsf ?kdf cfkm\gf] ;DklQ lwtf] /fvL ;fk6L lnPsf] 5}g .

^= cfos/ lgwf{/0f

a}+sn] &únf s/bftf sfof{no xl/x/ejg, nlntkÚ/sf] cf=a= 2061÷62 cfos/ lgwf{/)F ?=14=06 nfv sf] cfb]z lj?$ /fhZj Gofolws/)f, sf&df)*f}df k"g/fj]bg lbPsf] %

a}+sn] cf=j= 2062÷63, 2063÷64 tyf 2064÷65 sf] cfo ljj/)F bflvnf ul/;s]sf] t/ s/ sfof{nojf^ clGtd s/ lgwf{/)f eO{;s]sf] %}g . cf=j= 2065÷66 sf] s/ n]vfk/LIF)F ;DkGg xÚg af“sL % .

&= cGo ;+:yfsf] k'“hL :jfldTjdf nufgL

l;$fy{ OG;f]/]G; lnld ]̂*df a}+sn] ?=1 s/f]* 50 nfv -150,000 ;fwf/)f z]o/ k|lt z]o/ ?=100 rÚQmf_ nufgL u/]sf] %, h:sf] d'Nof+sg nfut / ahf/ d'No hÚg sd % ;f] cgÚ;f/ n]vf°g ul/Psf] % . shf{ ;'rgf s]Gb| lnld ]̂*df a}+sn] ?=14,080 ;fwf/)f z]o/ -af]g; z]o/ ;d]t_ nufgL u/]sf]df ?=12,32,000 -12,320 ;fwf/)f z]o/ k|lt z]o/ ?=100 rÚQmf_ sf] nfut d'Nodf n]vf°g ul/Psf] % .

a}+sn] g]kfn lSnol/é xfp; lnld ]̂*df ?= 25 nfv a/fa/sf] ;fwf/)f z]o/df nufgL ug]{ k|lta@tf u/]sf] % h;cg";f/ ?= 1=25 nfv r"Qmf u/]sf] % / af“sL ?=23=75 nfv ;Defljt bfloTj cGtu{t b]vfO{Psf] % . To;} u/L a}+sn] ?= 12 nfv a/fa/sf] ;fwf/)f z]o/ g]zgn a}+lsé ]̂«lgé OlG:^Ro'^df nufgL ug]{ k|lta$tf u/]sf] % h;nfO{ ;Defljt bfloTj cGtu{t b]vfO{Psf] % .

To:t} g]kfn :^s tyf *]l/e]lê PS;r]Gh lnld ]̂*df k]ZsL jfkt ?=2=5 nfv a/fa/sf] ;fwf/)f z]o/df nufgL u/]sf] % eg] af“sL ?=24=75 nfv eg] ;Defljt bfloTj cGtu{t b]vfO{Psf] %}g h"g a}+s ;+rfns ;ldlt / lwtf]kq af]*{af^ :jLs[t x"g af“sL /x]sf] % .

*= k'“hL ;dfof]hg sf]if

s]GbLo a}+s -g]kfn /fi «̂ a}+s_ sf] k"“hL a[l$ ;DaGwL gof“+ gLlt cgÚ;f/ a}+sn] k|To]s ;fn rÚQmf k"“hL a[l$ ub}{ la=;+= 2070 cfiff( d;fGt leq rÚQmf k"“hL sDtLdf ?=2 ca{ kÚ¥ofpgÚ kg]{% . o;} ;Gbe{df a}+sn] g]kfn /fi «̂ a}+snfO{ cfkm\gf] k"“hL a[l$ of]hgf k]z ul/;s]sf] % . g]kfn /fi «̂ a}+ssf] gLlt adf]lhd af]g; ;]o/ hf/L ug{ o; cl# v*f ul/Psf] k"“hL ;dfof]hg sf]ifnfO{ ;d]t pkof]uu/L o; cf= a= df 20 lsQf ;]o/ jfkt 3 lsQf af]g; ;]o/ hf/L ug]{ k|:tfj ul/Psf] % .

(= C0fkq e'QmfgL hu]8f sf]if

g]kfn /fi «̂ a}+ssf] lgb]{lzsfcg";f/ k|To]s aif{sf] v"b cfDbfgLaf^ C)fkq e'QmfgL sf]ifdf e'QmfgL cjlw cg";f/n] /sd s§f u/L C)fkq e'QmfgL hu]*f sf]if v*f ug"{kg]{ k|fjwfg /x]sf] % ;f]xL cg"?k a}+sn] o; cfly{s jif{df ?=32,538,571 a/fa/sf] /sd C)fkq e'QmfgL hu]*f sf]ifdf /fv]sf] % .

!)= :yL/ ;DklQ

a}+sn] la/u+hdf cfkm\gf] zfvf sfof{no ejg lgdf{)fsf nfuL ut jif{ #/ tyf hUuf v/Lb u/]sf lyof] / To; hUufdf /x]sf] ejg zfvf sfof{nosf nflu pko'Qm gx"g] b]lvPsfn] o; jif{ eTsfO{Psf] lyof] . utjif{ ?=56,35,705 a/fa/sf] nfut /sdn]


eTsfO{Psf] ejgnfO{ ejg cGtu{t k"+hLs[t ul/Psf]df o; cfly{s jif{df ;+rfns ;ldltsf] lg)f{ofg";f/ hUuf cGtu{t k"+hLs[t ul/Psf] % .

!!= ;+lrt labf bfloTj Aoj:yf ( Provision for accumulated leave liability)

cf=j= 2065÷66 df sd{rf/L ;+lrt labf jfkt 102 nfv bfloTj b]lvPtf klg a}+sn] ;f] jfkt ?=48=66 nfv a/fa/sf] /sd Aoj:yf u/]sf] % .

!@= :yug s/ (Deffered Tax)

:yug s/ ;DklQ / bfloTjsf] u)fgf g]kfn n]vfdfg 9 sf] cfwf/df ul/Psf] % hÚg ljj/)f o;k|sf/ %M

laj/0f ;DklQ -?=_ bfloTj -?=_ v'b -?=_

l:y/ ;DklQ -x|f; cfwf/_ 8,29,122 – 8,29,122

sd{rf/L pkbfg Aoa:yf 8,78,301 – 8,78,301

ljbf jfkt Joj:yf 14,59,794 – 14,59,794

vÚb :yug s/ ;DklQ 31,67,218

ut jif{sf] vÚb :yug s/ bfloTj 20,87,834

Gffkmf gf]S;fg vftfdf b]vfO{Psf] /sd 52,55,052

!#= lx;fj ldnfg geO{ jSof}tf /x]sf lx;fjx?

a}+sn] lgoldt ?kdf cGt/ zfvf / Ph]G;L lx;fj ldnfg ub}{ cfPsf] % . lx;fj ldnfg (Reconcile) geO{ jSof}tf /x]sf zfvf ldnfg lx;fj / Ph]G;L df}Hbft lx;fjsf] lx;fj ldnfg cj:yf af/] efvf gf#]sf] cjlw cg';f/sf] ;+lIfKt laj/)f lgDgfgÚ;f/ %M

laj/0f hDdf ?= # dlxgf eGbf sd # b]lv ( dlxgf ( dlxgf eGbf a9L

zfvf lx;fa ldnfg 74,12,190 74,12,190 – –

Ph]G;L lx;fa 8,80,01,040 8,68,71,558 11,29,482 –

!$= o; jif{ el/df ul/Psf shf{ ljt/0F, c;'nL tyf shf{ / Aofhsf] ckn]vg

o; jif{ e/Ldf ljt/)f ePsf], c;"nL ePsf] / shf{ tyf Aofhsf] ckn]vg laj/)f lgDgfgÚ;f/ %g\M

laj/0f hDdf ?=

shf{ lat/)f 1,48,75,786

shf{ c;ÚnL 1,08,42,920

shf{ ckn]vg 8,857

shf{ c;ÚnL –

!%= lgIf]k bfloTjdf ePsf] kl/jt{g

lgIf]k bfloTj cGtu{t k|To]s zLif{sdf jif{e/Ldf kl/jt{g ePsf ljj/)Fx? lgDgfgÚ;f/ %g\M

?=b; nfv df

laj/0f o; jif{ utjif{ kl/jt{g -5_

rNtL ÷ dfhL{g lgIF]k 409409 284284 4444

s_ :jb]zL dÚb|fdf 387 278 39

v_ ljb]zL dÚb|fdf 22 6 269

art lgIF]k 3,4463,446 2,6222,622 3131

s_ :jb]zL dÚb|fdf 3,422 2,600 32


dfu]sf] jvt ltg'{kg]]{ lgIF]k 4,8414,841 2,7222,722 7878


s_ :jb]zL dÚb|fdf 4,640 2,644 75


d'2tL lgIF]k 7,1587,158 4,5624,562 5757

s_ :jb]zL dÚb|fdf 6,926 4,429 56


hDdf lgIF]k 15,85515,855 10,19110,191 5656

!^= ef/Lt cf}ift Aofh b/sf] cGt/

laj/0f k|ltzt

shf{df efl/t cf};t Jofhb/ 9=33

lgIF]kdf efl/t cf};t Jofhb/ 5=87

v"b efl/t cf}ift Aofh b/ cGt/ 3=46

!&= ckn]vg x'g af“sL vr{x?sf] laj/0f

a}+sn] ;Dk')f{ k'j{ ;+rfng vr{nfO{ gfkmf gf]S;fg vftfdf vr{ n]v]sf] % . a}+sn] sÚg} u}x| k"“hLut :yug vr{ (Deffered revenue expenditure)÷caf:tljs ;DkQL (Fictitious assets) nfO{ ckn]vg ug"{ k/]sf] %}g .

ljj/0f k/n df]n ?= ckn]vg vr{ ?= af“sL ?=

;km\^j]o/ 12,799,299 10,178,208 2,621,090

k§f ljsfz vr{ 31,867,459 17,662,374 14,205,085

!*= Ps ;d'xdf clws]lGb|t ;DklQ tyf bfloTjsf] ljj/0F

?= xhf/df

ljj/0f C0f,;fk6L tyf

laN; vl/b

lgIf]k / ;fk6L cGo ;Defljt

31 ciff( 2066 df s"n /sd 1,35,04,796 1,59,84,935 19,53,683

Ps OsfO{df ePsf] pRrtd nufgL 2,58,149 7,32,837 2,49,691

Ps OsfO{df ePsf] pRrtd nufgLsf] k|ltzt 1=91 4=58 12=78

!(= e'QmfgL cjlwsf] cfwf/df ;DklQ tyf bfloTjx?sf] juL{s/0f

?= b; nfvdf

ljj/)F ljj/)F 1 – 90 1 – 90 lbglbg

91 – 180 91 – 180 lbglbg

181 – 270 181 – 270 lbglbg

271 – 365 271 – 365 lbg lbg

1 jif{eGbf 1 jif{eGbf dflydfly

hDdfhDdf

;DklQ;DklQ

gub df}Hbft 270=94 – – – – 270=94

a}+s df}Hbft 1,276=74 – – – – 1,276=74

ljb]zL a}+sx?df ul/Psf] nufgL – – – – – –

Gf]kfn ;/sf/sf] C)F kq 245=91 96=80 219=70 921=29 209=87 1,693=57

Z]fo/dful/Psf] nufgL – – – – 16=61 16=61

g]kfn /fi «̂ a}+s C)F kq – – – – – –

cGt/ a}+s shf{ 539=98 – 7=59 287=12 116=40 951=09

C)f,;fk^L tyf laN; vl/b 1,337=58 173=55 514=91 2,003=09 9,475=66 13,504=79

cGo ;DklQx/m 172=02 – – – 172=16 344=18

hDdf ;DklQhDdf ;DklQ 3,843=173,843=17 270=35270=35 742=20742=20 3,211=503,211=50 9,990=709,990=70 18,057=9218,057=92


bfloTjbfloTj

;fk^L 327=60 – – – – 327=60

rNtL ÷ dfhL{g lgIF]k 53=91 – – – 355=58 409=49

art lgIF]k 3,295=84 – – – 4,991=26 8,287=10

dÚ@tL lgIF]k 5=80 70=36 54=43 3,742=01 3,285=60 7,158=20

C)F kqx? – – – – 227=77 227=77

cGo bfloTjx? 369=02 – – – – 369=02

k"“hL / hu]*f sf]if – – – – 1,278=74 1,278=74

hDdf bfloTjhDdf bfloTj 4,052=174,052=17 70=3670=36 54=4354=43 3,742=013,742=01 10,138=9510,138=95 18,057=9218,057=92

vÚb ljlQo ;DklQvÚb ljlQo ;DklQ -209=00_-209=00_ 199=99199=99 687=77687=77 -530=51_-530=51_ -148=25_-148=25_ –

;l~rt v"b ljQLo ;DklQ;l~rt v"b ljQLo ;DklQ -209=00_-209=00_ -9=01_-9=01_ 678=76678=76 148=25148=25 – –

@)= ;DalGwt kIfx?

o; a}+sn] cfkm\gf] ljQLo :jfy{ ePsf] l;$fy{ OG;f]/]G; lnld ]̂*sf] 1,50,000 lsQf ;fwf/)f z]o/df nufgL u/]sf] % .

dÚVo Aoa:yfksnfO{ lbOPsf] tna, eQf Pj+ labf jfktsf] cNksfnLg ;Úljwfx?M

dÚVo Joj:yfksx?sf] ljj/)fdÚVo Joj:yfksx?sf] ljj/)f hDdf ;"ljwf -?=_hDdf ;"ljwf -?=_ s}lkmots}lkmot

cNksfnLg ;"ljwf 32,951,612 tnj, ;+ro sf]if eQf

;]jf cjlw kZrft\sf] ;"ljwf –

cjsf; ;"ljwf 2,330,611 pkbfg ;"ljwf

z]o/df cfwfl/t e"QmfgL –

cGo bL#{sfnLg ;"ljwf –

ldl^é lkm sf cltl/Qm ;+rfnsx?nfO{ a}+sn] ;fwf/)f ;efaf^ kfl/t ePcgÚ?ksf] cGo ;Úljwf k|bfg u/]sf] % .


Disclosures of Basel-II

1. Capital Structure and Capital Adequacy:• Tier 1 capital and a breakdown of its components: Provided in Schedule No.4.30(A) of the Financial Statements• Tier 2 capital and a breakdown of its components: Provided in Schedule No.4.30(A) of the Financial Statements• Detailed information about the Subordinated Term Debts with information on the outstanding amount, maturity,

amount raised during the year and amount eligible to be reckoned as capital funds: The Bank issued Siddhartha Bank Limited Debenture 2072 in FY 2008/09 for Rs.228 million. • Deductions from Capital: The Bank has investments of Rs.15 million in the equity shares of Siddhartha Insurance Limited, which has been de-

ducted from the core capital while computing capital adequacy.• Total Qualifying Capital: Provided in Schedule No.4.30(A) of the Financial Statements• Capital Adequacy Ratio: Provided in Schedule No.4.30(A) of the Financial Statements• Summary of the Bank's internal approach to assess the adequacy of its capital to support current and future

activities, if applicable: The Bank's current paid up capital increased to Rs.952 million after issuance of Bonus shares of Rs.124 million. The

Bank is also in the process of issuing 50% right shares as declared in the previous year's AGM to enhance its paid up capital to Rs.1428 million. In order to meet its capital requirement of Rs.2 billion by the end of FY 2069 /70 the Bank has proposed issuance of 3 bonus shares for every 20 shares from the current years profi t.

Bank’s activities are weighed in terms of risk and returns, and accordingly Bank has established a culture whereby return on capital are assessed in light of risk involved from each operating activities. In order to assess the capital adequacy, all major risks such as credit, credit concentration, operational, market, liquidity, reputational etc are identifi ed, measured and reported on periodic basis. These are observed & monitored by the Bank’s senior management and Board periodi-cally in addition to the monthly review and verifi cation by the Internal Audit and Compliance Department of the Bank.

• Summary of the terms, conditions and main features of all capital instruments, especially in case of subordinated term debts including hybrid capital instruments.

The Salient features of Siddhartha Bank Limited Debenture 2072 are as follows: • Maturity period: 7 Years. • Interest rate: 8.5% per annum. • Interest Payment frequency: Half Yearly. • Claim in case of liquidation: After depositors. • Debenture Redemption Reserve shall be created to redeem the Bond at Maturity. The debenture can be pledged with other Banks and fi nancial institution.2. Risk Exposures• Risk weighted exposures for Credit Risk, Market Risk and Operational Risk: Provided in Schedule No.4.30(A) of the Financial Statements• Risk Weighted Exposures under each of 11 categories of Credit Risk: Provided in Schedule No.4.30(B) of the Financial Statements• Total Risk Weighted Exposure calculation table: Provided in Schedule No.4.30(A) of the Financial Statements


• Amount of Non performing Assets (both Gross and Net) Rs. In "000"

Particulars Gross NPL Loan Loss Provision

Net NPL

Restructured/Rescheduled 50,386 6,298 44,088 Sub-Standard 14,031 3,508 10,523 Doubtfull 27,689 13,844 13,844 Loss 18,583 18,583 - Total 110,689 42,233 68,455

• NPA Ratios In %

Particulars Amount Gross NPA to Gross Advances 0.82 Net NPA to Net Advances 0.51

• Movement in Non Performing Assets Rs. In "000"

Particulars This Year Previous Year Change (%)Non-Performing Assets 110,689 104,342 6.08

• Written Off Loans and Interest Suspense Rs. In "000"

Particulars Amount Loan Written Off 8,857 Interest Suspense -

• Movements in Loan Loss Provision and Interest Suspense: Rs. In "000"

Particulars This Year Previous Year Change (%)Loan Loss Provision 176,174 145,189 21.34 Interest Suspense 19,773 23,744 (16.72)

• Details of Additional Loan Loss Provisions: Rs. In "000"

Particulars This Quarter Pass 40,177 Restructured/Rescheduled (5,674)Sub-Standard (2,438)Doubtfull 5,956 Loss (7,035)Total 30,985

• Segregation of Investment Portfolio: Rs. In "000"

Particulars This Quarter Held for Trading - Held to Maturity 2,644,661 Available for Sale 16,607 Total Investment 2,661,268


3. Risk Management Function: Credit Risk The Bank has adopted sound internal control system for the overall management and mitigation of risks that include

credit risks, market risks and operational risks. The Bank has prepared a comprehensive Credit Policy, which elaborates the procedures for proper risk management. The Bank has delegated credit approval limits to various offi cials to approve and sanction various amount of credit request. There is a strict compliance of internal control system that includes check & balance mechanism where each and every credit cases are approved through dual approving authorities. These mecha-nism have helped the Bank maintain high quality asset portfolio. Similarly, the Bank has adopted a prudent portfolio management to diversify its credit risk to various sectors of the economy and into multiple borrowers. The Bank also exercises prudent investment policy while making investment decisions.

For regular monitoring & management of market and liquidity risk, the Bank has an active Assets and Liability Man-agement Committee (ALCO) that observes and manages stock of the Bank’s assets and liability position. All foreign exchange positions are managed by treasury consisting of front offi ce dealers with specifi c dealing limits and an inde-pendent back offi ce. The back offi ce executes the deals made by the dealers and also monitors the liquidity position of the Bank.

Operational Risk One of the most important risk categories the bank focuses on is operational risk. This risk normally takes place due to

human error, frauds and technological breakdown. The Bank is fully aware of this and has built in a robust system to avert operational risks events. For this the Bank has strong internal control system and clear lines of authorities and reporting. All operational procedures are well defi ned through operational manuals. In order to make strengthen on the system, the Bank is in the process of implementing the latest advanced software Flexcube, Ifl ex, which has strong MIS systems.

Market Risk Market Risk primarily emanates from adverse fl uctuations in the market rates on prices that ultimately affect earning

from various assets and liability held by the Bank. It carries three components; such as internal rate risk, foreign ex-change risk and securities market risks.

ALCO meets regularly to monitor the market risk and devise of suitable action plan accordingly.


;+:yfks÷;+:yfks ;d"xsf z]o/wgLn] cfgf] :jfldTjdf /x]sf] z]o/ cGo a}+s tyf ljQLo ;+:yfdf lwtf] /fvL shf{ lnPsf] ljj/0f

-#! cfiff9 @)^^_cg';"rL $=#$

qm+=;+=;+:yfks÷;+:yfks ;d'x cGtu{t kg]{ z]o/wgLsf]

gfd

;+:yfkssf] :jfldTjdf sfod /x]sf] z]o/

shf{ ljj/0f

s}l˚ots'n lsQf ;+Vof s'n r'Qmf k'“hLsf] ∞ shf{ lnPsf] cGo a}+s÷ljQLo

;+:yfsf] gfdshf{ ljj/0f lwtf]df /x]sf] z]o/

lsQf ;+Vof

!

@

#

$

%


n]vfk/LIf0f gePsf] ljQLo glthf cfly{s jif{ @)^%÷^^ -rf}yf] q}dfl;s_

#! cfiff9 @)^%

-n]vfk/LIf0f ePsf]_

!= s'n k'“hL tyf bfloTj -!=! b]lv !=& ;Dd_ 1,80,60,979 1,75,64,464 1,16,68,3561,80,60,979 1,75,64,464 1,16,68,356 !=! r'Qmf k'“hL 9,52,200 9,52,200 8,28,000 !=@ hu]8f tyf sf]ifx¿ 3,31,759 2,77,366 2,40,346 !=# C0fkq tyf a08x¿ 2,27,770 2,27,770 – !=$ ;fk6L 3,27,600 20,36,300 2,05,133 !=% lgIf]kx¿ -s±v_ 1,59,84,934 1,36,05,437 1,01,91,441 s= :jb]zL d'b|fdf 1,55,00,128 1,34,35,688 99,52,535 v= ljb]zL d'b|fdf 4,84,806 1,69,749 238906 !=^ cfos/ bfloTj 4,904 69,094 11,155 !=& cGo bfloTjx¿ 2,31,812 3,96,297 1,91,280 @= s'n ;DklQ -@=! b]lv @=& ;Dd_ 1,80,60,979 1,75,64,464 1,16,68,3561,80,60,979 1,75,64,464 1,16,68,356 @=! gub tyf a}+s df}Hbft 17,77,889 15,98,702 4,37,425 @=@ dfu tyf cNk;"rgfdf k|fKt x'g] /sd 4,84,840 69,070 5,84,736@=# nufgL 21,76,428 20,26,001 11,50,096 @=$ shf{ tyf ;fk6 133,30,802 1,34,71,067 93,35,598 @=% l:y/ ;DklQ 1,12,106 90,745 72,398 @=^ u}/ a}ls· ;DklQ – – –@=& cGo ;DklQx¿ 1,78,914 3,08,879 88,103 o; jif{ o; jif{ ut jif{ -rf}yf] q}df;df_ -t];|f] q}df;df_ -rf}yf] q}df;df_ #=! Aofh cfDbfgL 12,65,310 8,82,520 7,29,872 #=@ Aofh vr{ 8,13,619 550,561 4,08,189 s v'b Aofh cfDbfgL -#=!–#=@_ 4,51,691 3,31,959 3,21,6844,51,691 3,31,959 3,21,684 #=# ˚L, sldzg tyf l8:sfp06 72,888 55,087 21,454 #=$ cGo ;~rfng cfDbfgL 6,005 4,408 31,294 #=% ;6xL 36a9 cfDbfgL -v'b_ 38,683 31,912 27,487 v s'n ;~rfng cfDbfgL -s±#=#±#=$±#=%_ 5,69,267 4,23,366 4,01,9195,69,267 4,23,366 4,01,919 #=^ sd{rf/L vr{ 79,421 49,996 48,247 #=& cGo ;~rfng vr{ 1,13,429 76,198 71,481 u ;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf -v–#=^–#=&_ 3,76,417 2,97,172 2,82,1913,76,417 2,97,172 2,82,191 #=* ;Defljt gf]S;fgL Joj:yfx¿ 28,757 43,827 48,049 3 ;~rfng d'gfkmf -u–#=*_ 3,47,660 2,53,345 2,34,1433,47,660 2,53,345 2,34,143 #=( u}/ ;~rfng cfDbfgL÷-gf]S;fg_ -v'b_ – – 506 #=!) ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ – – 4031 ª lgoldt sf/f]af/x¿af6 ePsf] d'gfkmf÷-vr{_ -3±#=(±#=!)_ 3,47,660 2,53,345 2,38,6803,47,660 2,53,345 2,38,680 #=!! c;fdfGo sf/f]af/x¿af6 ePsf] d'gfkmf÷-vr{_ -v'b_ 8857 – – r af]g; tyf s/ cl3sf] d'gfkmf -ª±#=!!_ 3,38,803 2,53,345 2,38,6803,38,803 2,53,345 2,38,680 #=!@ sd{rf/L af]g; Joj:yf 30,800 23,031 21,698 #=!# cfos/ Joj:yf 92,401 69,094 73,809 5 v'b gfkmf÷-gf]S;fg_ -r–#=!@–#=!#_ 2,15,602 1,61,220 1,43,1732,15,602 1,61,220 1,43,173 #! cfiff9 @)^^ #! r}q @)^% #! cfiff9 @)^%$=! k'“hLsf]if÷hf]lvd efl/t /sd 10=45 10=30 11=14 $=@ lgliqmo shf{÷s'n shf{ 0=45 0=49 0=69 $=# s'n shf{ jfkt hf]lvd Joj:yf÷s'n lgliqmo shf{ 288=54 284=93 222=76

ldlt

ldlt

cg';"rL $=#%

?= xhf/df

ljj/0fqm=;+=

gfkmf gf]S;fg lx;fa#=

$= cg'kftx¿ -∞_

#! cfiff9 @)^^ #! r}q @)^%


n]vfk/LIf0f gePsf] / n]vfk/LIf0f ePsf] ljQLo glthfsf]

t'ngfTds ljj/0fcfly{s jif{ @)^%÷^^

cg';"rL $=#^?= xhf/df

qm=;+= ljj/0f

n]vfk/LIf0f gePsf]

k|sflzt ljQLo glthf

n]vfk/LIf0f ePsf]

ljQLo glthf

˚/s ˚/ssf] sf/0f

/sd ∞

!= s'n k'“hL tyf bfloTj -!=! b]lv !=& ;Dd_ 1,80,60,9791,80,60,979 1,78,81,7501,78,81,750 -1,79,2291,79,229_ -0=99_-0=99_

!=! r'Qmf k'“hL 9,52,200 9,52,200 – –

!=@ hu]8f tyf sf]ifx? 3,31,759 3,26,545 -5,214_ -1=57_ v'b gfkmfdf km/s

!=# C0fkq tyf a08x? 2,27,770 2,27,770 – –

!=$ ;fk6L 3,27,600 3,27,600 – –

!=% lgIf]kx? -s±v_ 1,59,84,935 1,58,54,798 -1,30,136_ -0=81_ lgIf]kaf6 ;+sng gul/Psf lSnol/Ë r]]sx? 36fO{Psf]

s :jb]zL d'b|fdf 1,55,00,128 1,53,74,498 -1,25,630_ -0=81_

v ljb]zL d'b|fdf 4,84,806 4,80,300 -4,506_ -0=93_

!=^ cfos/ bfloTj 4,904 4,846 -59_ -1=19_ v'b gfkmfdf km/s

!=& cGo bfloTj 2,31,812 1,87,991 -43,820_ -18=90_ 8s'd]G6 g]uf]l;o;g / lSnol/Ë cfO{6D;x?sf] ;dfof]hg

22= s"n ;DklQ -2=1 b]lv 2=7 ;Dd_ s"n ;DklQ -2=1 b]lv 2=7 ;Dd_ 1,80,60,9791,80,60,979 1,78,81,7501,78,81,750 -1,79,229_-1,79,229_ -0=99_-0=99_

2=1 gub tyf a}+s df}Hbft 17,77,889 15,47,684 -2,30,205_ -12=95_ ;+sng gul/Psf lSnol/Ë r]]sx?sf] ;dfof]hg

2=2 dfu tyf cNk;"rgfdf k|fKt x'g] /sd 4,84,840 4,84,840 – –

2=3 nufgL 21,76,428 21,76,428 – –

2=4 shf{ tyf ;fk6 1,33,30,802 1,33,28,622 -2,180_ -0=02_ cltl/Qm shf{ gf]S;fgL Joj:yf

2=5 l:y/ ;DklQ 1,12,106 1,72,158 60,052 53=57 gofF zfvf tyf skf]{/]6 clkm;sf nflu clu|d e'Qmfg k"FhLut lgdf{0fnfO{{ k"FhLut ul/Psf]

2=6 u}/ a}ls· ;DklQ – – –

2=7 cGo ;DklQx¿ 1,78,914 1,72,019 -68,96_ -3=85_ gofF zfvf tyf skf]{/]6 clkm;sf nflu clu|d e'Qmfg k"FhLut lgdf{0fnfO{{ l:y/ ;DklQdf ;f/]sf] tyf d'ålt lgIf]kdf ltg'{kg]{ AofhnfO{ ;dfof]hg ul/Psf]

3=3= gfkmf gf]S;fg lx;fagfkmf gf]S;fg lx;fa

3=1 Aofh cfDbfgL 12,65,310 12,65,582 272 0=02

3=2 Jofh vr{ 8,13,619 8,13,619 – –

s v"b Jofh cfDbfgL -3=1–3=2_ v"b Jofh cfDbfgL -3=1–3=2_ 4,51,6914,51,691 4,51,9634,51,963 272272 0=060=06

3=3 ˚L, sldzg tyf l8:sfp06 72,888 32,548 -40,340_ -55=35_ g]kfn /fi6« a}+ssf] lgb]{lzsfg';f/ k'gM;d'xLs/0f ul/Psf]

3=4 cGo ;~rfng cfDbfgL 6,005 46,354 40,349 671=93 Æ

3=5 ;^xL #â( cfDbfgL 38,683 38,682 -1_ -0=00_

v s"n ;+rfng cfDbfgL s"n ;+rfng cfDbfgL -s±#=#±#=$±#=%_-s±#=#±#=$±#=%_ 5,69,2675,69,267 5,69,5475,69,547 280280 0=050=05

3=6 sd{rf/L vr{ 79,421 79,385 -36_ -0=05_ ;+lrt labf Joj:yf

3=7 cGo ;+rfng vr{ 1,13,429 1,14,817 1,388 1=22 ljleGg pkof]lutf tyf 3/ jxfn vr{ Joj:yf u/]sf] eGbf a9\g uPsf]

u ;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng -v–#=^–3=&_;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng -v–#=^–3=&_ 3,76,4173,76,417 3,75,3463,75,346 -1,071_-1,071_ -0=28_-0=28_

3=8 ;Defljt gf]S;fgL Joj:yfx¿ 28,757 39,842 11,085 38=55 cklnlvt shf{ gf]S;fgL Joj:yf sf] ;dfof]hg tyf cltl/Qm shf{ gf]S;fgL Joj:yf

# ;+rfng d"gfkmf -u–3=8_;+rfng d"gfkmf -u–3=8_ 3,47,6603,47,660 3,35,5033,35,503 -12,157_-12,157_ -3=50_-3=50_

3=9 u}/ ;+rfng cfDbfgL÷-gf]S;fg_-v"b_ – – –

3=10 ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ – 8,857 8,857 – cklnlvt shf{ gf]S;fgL Joj:yf 5'§} b]vfPsf]

ª lgoldt sf/f]af/af^ ePsf] d"gf˚f÷-vr{_ -lgoldt sf/f]af/af^ ePsf] d"gf˚f÷-vr{_ -3±#=(±#=!)_3±#=(±#=!)_ 3,47,6603,47,660 3,44,3613,44,361 -3,299_-3,299_ -0=95_-0=95_

3=11 c;fdfGo sf/f]af/af^ ePsf] d"gf˚f÷-vr{_ -v"b_ -8,857_ -8857_ – –

r af]g; tyf s/ cl#sf] d"gf˚f -ªaf]g; tyf s/ cl#sf] d"gf˚f -ª±3=11_3=11_ 3,38,8033,38,803 3,35,5033,35,503 -3,299_-3,299_ -0=97_-0=97_

3=12 sd{rf/L af]g; Joj:yf 30,800 30,500 -300_ -0=97_

3=13 cfos/ Joj:yf 92,401 87,087 -5,314_ -5=75_ v'b gfkmf tyf :yug s/ cfDbfgLdf km/s

% v"b gf˚f÷-gf]S;fg_ -r–3=12–3=13_v"b gf˚f÷-gf]S;fg_ -r–3=12–3=13_ 2,15,6022,15,602 2,17,9162,17,916 2,3142,314 1=071=07



ljz]if k|:tfj;Fu ;DalGwt k|:tfljt ;+;f]wgsf] ljj/0f

k|aGw kqdf ;+zf]wg M

l;¢fy{+ a}+s lnld6]8sf] k|aGw kqdf eO{/x]sf] s]xL Aoj:yfx? ;+zf]wg ug{ cfjZos ePsf]n] a}+ssf] ;~rfns ;ldtLsf]

a}7sn] l;kmfl/; u/L o; a}+ssf z]o/wgLx?sf] ;fwf/0f ;efn] of] k|aGw kq kfl/t u/L sDkgL /lhi6«f/sf] sfof{nodf

clen]v eO{ of] l;¢fy{ a}+s lnld6]8sf] k|aGw kqdf -=== ;+zf]wg, @)^^ adf]lhd_ ;+zf]wg u/L of] k|aGw kq nfu"

ul/Psf] 5 .

s|d ;+Vof

;fljssf] Joj:yf ;+zf]lwt tyf yk Joj:yf ;+zf]wg tyf yk ug'{sf] sf/0f

!= @= #= $=

bkmf $=df yk pkbkmf s b]lv -zz_ ;Dd =======

bkmf % -!_ v / u df ;+zf]wg bkmf %= a}+ssf] k'+hLsf] ;+/rgf M v_ a}+ssf] tTsfn hf/L k"+hL

?=!,$@,*#,)),))).– -Ps c/a aofnL; s/f]8 qL/f;Lnfv_ x'g]5 .

u_ a}+ssf] tTsfn r'Qmf k"+hL ?=!,$@,*#,)),))).– -Ps c/a aofnL; s/f]8 qL/f;Lnfv_ x'g]5 .

bkmf & df yk

o; k|aGw kqsf] gfd æl;¢fy{ a}+s lnld6]8sf]

-== ;+zf]wg_ k|aGw kq, @)^^Æ /x]sf] 5 .

bkmf $=df a}+ssf] pb]Zo k|fKtLsf nflu ul/g]

sfdx?df yk

pkbkmf -IfIf_, -qq_ yk ug]{ -IfIf_ lgodgsf/L lgsfox?sf] :jLs[lt k|fKt u/L lwtf]kq lgisf;g k|jGwssf] sfo{ ug]{, ;fd'lxs sf]if tyf PsfTds jrt of]hgfx?sf] k|fof]hg ug]{, Joj:yfug]{ tyf hf/L ug]{ -qq_ ;DjlGwt lgsfojf6 l:js[tL k|fKt u/L l6s]l6ª nufot 6«fen ;DjGwL sfo{x? ug]{ bkmf %= a}+ssf] k'+hLsf] ;+/rgf M

v_ a}+ssf] tTsfn hf/L k"+hL ?=!,%&,!!,#),))).– -Ps c/a ;GtfpGg s/f]8 P3f/ nfv tL; xhf/ _ x'g]5 .

u_ a}+ssf] tTsfn r'Qmf k"+hL ?=!,%&,!!,#),))).– -Ps c/a ;GtfpGg s/f]8 P3f/ nfv tL; xhf/ _ x'g]5 .

bkmf & df yk==================== `_ ;+:yfks z]o/ wgLx?n] xsk|b z]o/sf] xs

x:tfGt/0f ubf{sf jvtdf dfq k|rlnt sfg'g, lgod tyf lgodgsf/L lgsfox?sf] lgb]{zg jdf]lhd ;+:yfks x'g of]UoJolQmnfO{ xs x:tfGt/0f ug{ ;Sg]5g\ .

6_ ;j{;fwf/0f z]o/wgLx?n] xsk|b z]o/sf] xs x:tfGt/0f k|rlnt k|rlnt sfg'g, lgod tyf lgodgsf/L lgsfox?sf] lgb]{zgx?sf] clwgdf /lx ug{ ;Sg]5g\ .

a}+ssf] sfo{IFf]qnfO{

lj:t[t jgfpg

cfjZos ePsf]n] .

jf]gz z]o/ hf/L

eP kZrft a}+ssf]

k'+hL j[l4 x'g]

ePsfn] .

xs x:tfGt/0f ;DjlGw Joj:yf ug{'kg]{ ePsf]n] .


lgodfjnLdf ;+zf]wg M

l;¢fy{+ a}+s lnld6]8sf] lgodfjnLdf eO{/x]sf] s]xL Aoj:yfx? ;+zf]wg ug{ cfjZos ePsf]n] a}+ssf] ;~rfns ;ldtLsf]

a}7sn] l;kmfl/; u/L o; a}+ssf z]o/wgLx?sf] ;fwf/0f ;efn] of] lgodfjnL kfl/t u/L sDkgL /lhi6«f/sf] sfof{nodf

clen]v eO{ of] l;¢fy{ a}+s lnld6]8sf] lgodfjnLdf -=== ;+zf]wg, @)^^ adf]lhd_ ;+zf]wg u/L of] lgodfjnL nfu"

ul/Psf] 5 .

s|d ;+Vof

;fljssf] Joj:yf ;+zf]lwt tyf yk Joj:yf ;+zf]wg tyf yk ug'{sf] sf/0f

!=

@=

lgod @* df yk

lgod #!-s_ ! df ;+zf]wg

!_ k|lt j}7s cWoIf M ? &,))) sf b/n]

/ ;b:o M ? ^,))) sf b/n]

lgod @* df yk==================== !*_ ;+:yfks z]o/ wgLx?n] xsk|b z]o/sf] xs

x:tfGt/0f ubf{sf jvtdf dfq k|rlnt sfg'g, lgod tyf lgodgsf/L lgsfox?sf] lgb]{zg jdf]lhd ;+:yfks x'g of]Uo JolQmnfO{ xs x:tfGt/0f ug{ ;Sg]5g\ .

!(_ ;j{;fwf/0f z]o/wgLx?n] xsk|b z]o/sf] xs

x:tfGt/0f k|rlnt k|rlnt sfg'g, lgod tyf

lgodgsf/L lgsfox?sf] lgb]{zgx?sf]

clwgdf /lx ug{ ;Sg]5g\ .

!_ k|lt j}7s cWoIf M ? !),))) sf b/n] /

;b:o M ? *,))) sf b/n]

xs x:tfGt/0f

;DjlGw Joj:yf

ug'kg]{ ePsf]n] .

;do ;fk]If ?kdf

j}7s eQf j[l4

ug{kg]{ ePsfn] .


l6kf]6

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l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx?nfO · x jflif{s k |ltj ]bg 2065÷66 – –