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xsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?

ljBdfg r'Qmf k"FhL ?=!,@^,&&,@*,)))÷– k|lt z]o/ ?=!))÷– c+lst b/sf !,@^,&&,@*) lsQf z]o/sf] !) M & -cyf{t ljBdfg

bz lsQf z]o/ a/fa/ gofF ;ft lsQf z]o/_ sf] cg'kftdf ;fljs z]o/wgLx?sf] nflu ? **,&$,)(,^))÷– a/fa/sf] k|lt z]o/ ?

!))÷– c+lst b/sf **,&$,)(^ lsQf xsk|b z]o/sf] lgisfzg ug{sf] nflu k|sflzt .

b/vf:t;fy k|lt z]o/ ?=!))÷— sf] b/n] ztk|ltzt e'QmfgL dfu ul/Psf] .

lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M

xfdLnfO{ lgisfzgstf{ ;+ul7t ;+:yf tyf o;sf ;+:yfks÷;+rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf] cfwf/df o;

;+:yfsf] Joj:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf] ;fy} æxsk|b z]o/ lgisfzg ;DaGwL

Joj:yf tyf ljj/0fx?Æ df n]lvPsf cfly{s ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;lx b]lvPsf]n] nufgLstf{x?nfO{ nufgL

;DaGwL lg0f{o lng d2t k'Ug] s'/f k|lt ljZj:t eO{ xfdLn] of] æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ :jLs[ltsf

nflu g]kfn lwtf]kq af]8{df lwtf]kq ;DaGwL P]g, @)^# / lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# cg'?ksf] of]Uotf k'u]sf]

k|lta4tfkq -8\o" 8]lnh]G;\ ;l6{lkms]6_ k|:t't u/]sf 5f}+ .

lwtf]kqsf] nufgLdf x'g ;Sg] hf]lvd af/] nufgLstf{ :jo+n] ljrf/ ug'{ kg]{5 . o; sDkgLn] ug]{ ePsf] sfddf lglxt ;Defljt

hf]lvdx? af/] o; ljj/0f kqsf] bkmf -y_ df pNn]v ul/Psf] 5 .

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lgod # df ePsf] Joj:yf adf]lhd g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt qm]l86 /]l6Ë ;+:yf s]o/ g]kfn ln=, hdn, sf7df08f}af6

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b]lv % KjfOG6 ;Dd u|]l8Ë k|bfg ub{5 . h;df u|]8 ! n] alnof] cfwf/ hgfpF5 eg] u|]8 % n] sdhf]/ cfwf/x? hgfpF5 .

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k|of]u ul/g] (Plus) lrGxn] o; ;d"xsf t'ngfTds ;sf/fTds l:yltnfO{ hgfpF5 .

qm]l86 /]l6Ë u|]8 k|bfg u/]sf] ldlt M @)&^÷)@÷@( ut] qm]l86 /]l6Ë u|]8 afxn /xg] ldlt M @)&&÷)@÷@* ut] ;Dd

g]kfn lwtf]kq af]8{af6 :jLs[t ePsf] ldlt M @)&^÷)$÷!^

xsk|b z]o/ lgisfzg v'Nnf x'g] ldlt @)&^÷)%÷)*

xsk|b z]o/ lgisfzg aGb x'g] ldlt @)&^÷)^÷!@ -a}+lsË ;do kZrft_

lwtf]kq lgisfzg tyf laqmL k|aGws

of] æxsk|b z]o/ lgisfzg ;DaGwL Aoa:yf tyf ljj/0fx?Æ lwtf]kq lgisfzg tyf laqmL k|aGwssf] Website: www.nicasiacapital.com

tyf lgisfzgstf{ sDkgL ;"of{ nfOkm OG:of]/]G; sDkgL ln= sf] Website: www.suryalife.com df ;d]t x]g{ ;Sg' x'g]5 .

1

s= ;+ul7t ;+:yfsf] gfd M ;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8 (SURYA LIFE INSURANCE COMPANY LIMITED)

v= ;+ul7t ;+:yfsf] /lhi68{ sfof{no M o; sDkgLsf] /lhi68{ sfof{no lj=g=d=g=kf=, j8f g+= (, df]/Ëdf /x]sf] 5 .

u= sf/f]jf/ :yfg M

o; sDkgLn] sf7df8f}+ lhNnf, sf=d=g=kf, j8f g+ ##, 1fg]Zj/, sf7df8f}+, g]kfnaf6 aLdf ;DaGwL sf/f]jf/ ub}{ cfO/x]sf]

5 . o;sf cnfjf o; sDkgLn] lgDg zfvf sfof{nox?af6 ;d]t aLdf ;DaGwL sf/f]jf/ ub}+ cfO/x]sf] 5 .

pkTosf leq M

l;=g+ zfvf sfof{nosf] gfd 7]ufgf ;Dks{ gDa/

!= eQmk'/ zfvf ;"o{ljgfos rf]s, eQmk'/ 01-5092820 @= u+ua' zfvf gofF j;kfs{ 01-4384905 #= sf7df8f}+ zfvf u}l/wf/f, gS;fn 01-4423382 $= Kff6g zfvf Hffjnfv]n, nlntk'/ 01-5528222 %= Tffxrn zfvf tfxrn, sf7df8f}+ 01-4030650 ^ gofF afg]Zj/ zfvf gofF afg]Zj/, sf7df8f}+ )!–$^@!$*^

& hf]/kfl6 zfvf hf]/kfl6, sf7df8f}+ )!–$(!)&$$

* a'9flgns07 zfvf a'9flgns07, sf7df8f}+ )!–$#&&**^

sf7df08f} pkTosf aflx/ M l;=g+ zfvf sfof{nosf] gfd 7]ufgf ;Dks{ gDa/

!= ag]kf zfvf rf/ bf]af6f] rf]s, sfe|] 011-661854 @= lj/u+h zfvf 306f3/ k;f{ 051-520052 #= rl/sf]6 zfvf ;ftbf]jf6f]rf]s, bf]nvf 049-421908 $= x]6f}8f zfvf x]6f}8f d]g /f]8 057-526845 %= hgsk'/ zfvf efg' rf]s, wg'iff 041-528277 ^= Gff/fo0f3f6 zfvf kf]v/f j;kfs{, lrtjg 056-527574 &= g'jfsf]6 zfvf ljb'/ gu/kflnsf 010-561754 *= l;Gw'ln zfvf g+ ! jhf/, l;Gw'nL 047-521071 (= xl/jg zfvf xl/jg g kf ,;nf{xL 046-530609 !)= rGb|lg3fk'/ zfvf rGb|flg3fk'/ g kf, /f}tx6 055-540504 !!= lj/f6gu/ zfvf d]g /f]8, df]/ª 021-534316 !@= ljtf{df]8 zfvf eb|k'/ j; :6]08 023-544122 !#= bds zfvf k'j{ j; :6]zg 023-585423 !$= wgs'6f zfvf x'nfs rf]s 026-521640 !%= w/fg zfvf Efg' rf]]s, ;'g;/L 025-533935 !^= ufO{3f6 zfvf gu/kflnsf rf]s @ pbok'/ 035-421291 !&= Onfd zfvf lelbd /f]8 Onfd 027-521782 !*= Og?jf zfvf Og?jf g kf !, ;'g;/L 025-561943 !(= O6x/L zfvf O6x/L jhf/, ;'g;/L 025-587339 @)= ldr}{of zfvf Yffgf rf]s, l;/fxf 033-550675 @!= tfKn]h'ª zfvf lj/]Gb| rf]s, tfKn]h'ª 024-431019 @@= t]Xy'd zfvf DofUn'ª jhf/, t]Xy'd 026-460708 @#= nfxfg zfvf Nffxfg g kf, l;/fx 033-561695 @$= l;/fxf zfvf l;/fxf jhf/, l;/fxf 033-521208 @%= /fhlj/fh zfvf /fhlj/fh jhf/, ;Kt/L 031-521077 @^= s6f/L zfvf s6f/L jhf/, pbok'/ 035-450354 @& jfUn'ª zfvf jfUn'ª g kf @ 068-523010 @* a]zLzx/ zfvf gf/fo0fyfg rf]s, nDh'ª 066-521350 @( e}/xjf zfvf e}/xjf 071-526980 #) ef]n]{6f/ zfvf Onfsf k|x/L sfo{no, ef]n]{6f/ 066-410132

2

#! a'6jn zfvf 6«flkms rf]s, a'6jn 071-541704 #@ bdf}nL zfvf ef]n]{6f/ rf]s, tgx' 065-562254 ## sfjf;f]tL zfvf sfjf;f]tL ahf/ 078-541016 #$ s':df zfvf nf]stGq rf]s, s':df 067-421264 #% kfNkf zfVff tfg;]g jhf/, kfNkf 075-522769 #^ kf]]v/f zfvf ;efu[x rf]s 061-538472 #& tf}lnxjf zfvf slknj:t' g kf 076-560477 #* Jfflnª zfvf Jfflnª #, :ofª\hf 063-440691 #( /fdk'/ zfvf /fdk'/, kfNkf 075-400453 $) Jfb{3f6 zfvf Jfb{3f6 078-580570 $! u'NdL zfvf u'NdL 079-520842 $@ bfª zfvf 3f]/fxL jhf/ 082-563136 $# g]kfnu+~h zfvf wDjf]h] jhf/ 081-528322 $$ ;'v]{t zfvf g]tf rf]s, ;'[v]t 083-524156 $% jlb{of zfvf j;kfs{ rf]s, jlb{of 084-420466 $^ hfh/sf]6 zfvf e]/LdxfsfnL @ 089-430308 $& ?s'd zfvf Df'l;sf]6 !, vnËf 088-530329 $* b}n]v zfvf b]jsf]6f rf]s ! gf/fo0f 089-410016 $( sf]xnk'/ zfvf sf]xnk'/, afFs] 081-542029 %) t'N;Lk'/ zfvf t'N;Lk'/ g kf, bfª 082-523015 %! h'Dnf zfvf rGbggfy g kf h'Dnf 087-520658 %# cTtl/of zfvf lkKnf rf]s 091-550237 %$ a}+t8L zfvf /fd dlGb/,xl:k6n rf]s 095-520544 %% bfr'{nf zfvf bfr'{nf g kf !! 093-420440 %^ wgu9L zfvf rf}/fx rf]s 091-525313 %& 8f]6L zfvf lkKnf jhf/ 094-412018 %* 88]nw'/f zfvf t'kmfg 8fF8f 096-410072 %( nDsL zfvf nDsL s}nfnL 091-540482 ^) Dfx]Gb|gu/ zfvf $ g+ uNnL, dx]Gb|gu/ 099-520410 ^! l6sfk'/ zfvf l6sfk'/ ( ,r08LdfO{ xl:k6n 091-561405 ^@ ;'vb zfvf Z'fvb, b/fv % 091-403222 ^# uf]/vf zfvf uf]/vf ahf/ )^$–$@)*()

^$ c3f{vf‘rL zfvf c3f{vf‘rL ahf/ )&&–$@)*^$

^% sn}of zfvf sn}of ahf/ )%#–%%)@(*

^^ alb{af; zfvf alb{af; ahf/ –

^& DofUbL zfvf a]lg ahf/ )^(–%@!#^$

^* ;f]n'v'Da' zfvf ;f]n'v'Da' ahf/ )#*–%@))&&

^( k;f{ ahf/ zfvf k;f{ ahf/ )%^–%*@@#(

o; sDkgLn] eljiodf cfjZostf cg';f/ aLdf ;ldlt tyf cGo :jLs[lt lng'kg]{ ;DalGwt lgsfojf6 :jLs[lt lnO{ cGo

pko'Qm :yfgx?df cfˆgf] zfvf, pkzfvf jf cGo sfof{nox? vf]nL sf/f]jf/ ub}{ hfg] nIo /fv]sf] 5 .

3= ;+ul7t ;+:yfsf] ;+lIfKt kl/ro / p2]Zo M

;+lIfKt kl/ro M

o; sDkgL k|rlnt sDkgL P]g @)^# adf]lhd ldlt @)^$÷)#÷!* df g]kfn ;/sf/, sDkgL /lhi6«f/sf] sfof{nodf btf{

ePsf] xf] . aLdf P]g @)$( cg';f/ aLdf ;ldltaf6 ldlt @)^$÷!@÷)^ df aLdf ;DaGwL sf/f]jf/ ug{ Ohfht k|fKt

u/L ldlt @)^%÷)!÷!! ut] b]lv ljlwjt\ ?kdf aLdf ;DaGwL sf/f]jf/ k|f/De u/]sf] xf] . o; sDkgLsf] ;+rfns Pj+

;+:yfksx? nfdf] ;do b]lv a}+lsË, aLdf, pBf]u tyf Jofkf/ If]qdf ;+nUg eO{ la1tf xfl;n ug'{ePsf JolQmx? /xg'

ePsf] 5 .

3

p2]Zox? M

sDkgLsf] k|aGwkqsf] bkmf $ tyf lgodfjnLsf] lgod $ df pNn]v ul/P adf]lhd o; sDkgLsf] d'Vo p2]Zox? b]xfo

adf]lhd /x]sf] 5 .

-s_ aLdf P]g / aLdf lgodfjnLsf] clwgdf /xL hLjg aLdf Joj;fo ;+rfng u/L x/]s lsl;dsf hLjg aLdf

;DalGw ;]jf pknAw u/fO{ b]zsf] cfly{s ljsf;df ;xof]u ug]{ sDkgLsf] d'Vo p2]Zo /x]sf] 5 .

-v_ cfhLjg hLjg aLdf, ;fjlws hLjg aLdf / DofbL hLjg aLdf ;DalGw sfo{x? ug]{ u/fpg] .

-u_ k|To]s lsl;dsf hLjg tyf b'3{6gf ;DaGwdf -k'/s s/f/sf] ?kdf dfq_ JolQm ljz]ifdf Hofgdf vt/f jf

zl//sf] s'g} ljz]if efudf ePsf] jf x'g] xflg gf]S;fgL zfl/l/s jf dfgl;s cf3ftsf ;DaGwdf aLdf ug]{

u/fpg] .

-3_ s'g} sDkgL jf sDkgLsf] sfdbf/sf] ;DaGwdf s'g} sf/afxLdf xfgL gf]S;fgL, sfdbf/nfO{ x'g] b'3{6gf, s'g}

sfg'g cGtu{t ug'{ kg]{ Ifltk"lt{, zfl/l/s jf lhjgs} Iflt, x'nb+ufaf6 x'g] vt/f ;d]tsf nflu k"/s s/f/sf]

?kdf dfq aLdf ug]{, u/fpg] .

-ª_ aLdf ;Demf}tf u/]jfkt k|fKt ePsf] /sd ljleGg If]qdf nufgL ug]{, c;'nL ug]{ .

-r_ ljleGg sDkgLx?sf] ;+:yfks eO{ jf geO{ z]o/df nufgL ug]{ u/fpg] .

-5_ ;DktLsf] ;+/If0fsf] nflu tyf aLldt JolQmx?sf] lxt / ;'ljwfsf] nflu ljleGg aLdf sDkgLx?sf] k'gaL{df

l:jsf/ ug]{ tyf k'gaL{df u/fpg] .

-h_ l:js[lt lng' kg]{df l:js[lt lnO{ :jb]zL tyf ljb]zL aLdf sDkgLx?;+u ldnL jf 5'§f5'§} lsl;dsf] aLdf

Joj;fo ug]{ u/fpg] .

-em_ z]o/k'FhL, jLdfz'Ns, Jofh / cGo cfo jfkt k|fKt /sdx? plrt k|ltkmn kfpg] u/L ljleGg rn tyf

crn ;DklQdf nufgL ug]{, nufgL ljlqm ug]{ / ;f] ;DalGw sfo{ ug]{ u/L ;xfos sDkgL :yfkgf ug]{ jf

cGon] :yfkgf ug]{ sDkgLdf ;xefuL x'g] .

-`_ aLdf Joj;foaf6 k|fKt ePsf] /sd aLdf P]gsf] clwgdf /xL ljleGg If]qdf nufgL u/L aLdf Joj;fonfO{

k|j4{g ug]{ .

ª= z]o/ k"FhLsf] ;+/rgf M

s_ clws[t k"FhL: o; sDkgLsf] clws[t k"FhL ?= #,)),)),)),)))÷— -cIf/]kL tLg ca{ dfq_ /x]sf] 5 h;nfO{

k|lt z]o/ ?=!))÷–sf b/n] hDdf #,)),)),))) -tLg s/f]8_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

v_ hf/L k"FhL M o; sDkgLsf] hf/L k"FhL ?= @,!%,%!,#&,^))÷– -cIf/]kL b'O{ ca{ kG3| s/f]8 PsfpGg nfv ;}lt;

xhf/ 5 ;o dfq_ /x]sf] 5 h;nfO{ k|lt z]o/ ?=!))÷– sf b/n] hDdf @,!%,%!,#&^ -b'O{ s/f]8 kG3| nfv

PsfpGg xhf/ tLg ;o 5\ofQ/ dfq_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

u_ r'Qmf k"FhL: xfn o; sDkgLsf] r'Qmf k"FhL ?= !,@^,&&,@*,)))÷— -cIf/]kL Ps cj{ 5AaL; s/f]8 ;txQ/ nfv

c¶fO{; xhf/ dfq_ /x]sf] 5 h;nfO{ k|lt z]o/ ?=!))÷–sf b/n] hDdf !,@^,&&,@*) -Ps s/f]8 5AaL; nfv

;txQ/ xhf/ b'O{ ;o c;L dfq_ lsQf z]o/df ljefhg ul/Psf] 5 . o; ljj/0f dfkm{t ? **,&$,)(,^)) sf]

xsk|b z]o/ lgisfzg u/L afF8kmfF6 u/] kZrft\ o; sDkgLsf] r'Qmf kF'hL ?= @,!%,%!,#&,^))÷— -cIf/]kL b'O{

ca{ kG3| s/f]8 PsfpGg nfv ;}lt; xhf/ 5 ;o dfq_ x'g]5 .

-3_ ;+:yfksx?n] r'Qmf u/]sf] k"FhL M &) k|ltzt

-ª_ lgisfzg ug{ afFsL /x]s]f z]o/ k"FhL M g/x]sf] .

-r_ xfn sfod /x]sf z]o/wgLsf] ;+Vof -:jfldTj ;d"xs[t u/]sf] ePdf ;d"x cg';f/sf]_

s|=;+= ;d'x ;+Vof

!= ;+:yfks z]o/wgL -s ;d'x_ %!

@= ;j{;fwf/0f z]o/wgL -v ;d'x_ !*,^%(

r= xsk|b z]o/ lgisfzg ug'{ k"j{ / lgisfzg kZrft ;+ul7t ;+:yfsf] r'Qmf kF'hLsf] l:ytL M

xsk|b z]o/ lgisfzg k"j{ sDkgLsf] r'Qmf kF'hLsf] ;+/rgfM

z]o/wgLx?

z]o/ ;+Vof

r'Qmf /sd -?=_

k"F'hL ;+/rgf

e'QmfgL

k|ltzt

;+:yfks z]o/wgLx? 88,74,096 88,74,09,600 70% ztk|ltzt

;j{;fwf/0f z]o/wgLx?

-sd{rf/Lx? ;d]t_

38,03,184 38,03,18,400 30% ztk|ltzt

hDdf 1,26,77,280 1,26,77,28,000 100%

4

xsk|b z]o/ lgisfzg u/L afF8kmfF6 u/] kZrft x'g] sDkgLsf] r'Qmf k"F'hL sf] ;+/rgfM

z]o/wgLx?

;fwf/0f z]o/ ;+Vof

r'Qmf /sd -?=_

k"F'hL ;+/rgf

e'QmfgL

k|ltzt

;+:yfks z]o/wgLx? 1,50,85,963.2 1,50,85,96,320 70% ztk|ltzt

;j{;fwf/0f z]o/wgLx?

-sd{rf/Lx? ;d]t_

64,65,412.8 64,65,41,280 30% ztk|ltzt

hDdf 2,15,51,376 2,15,51,37,600 100%

5= xfnsf z]o/wgLx?sf] ;d"x v'Ng] u/L ;+:yfksx?sf] xsdf lghx?sf] gfd, 7]ufgf tyf pgLx?n] lnPsf] z]o/ ;+Vof

tyf ;+:yfut ;+:yfksx?sf] xsdf pQm ;+:yfsf] ;+rfnsx?sf] gfd tyf 7]ufgf -k|fs[lts JolQm gv'n];Dd_ M

!_ xfnsf z]o/wgLx?sf] ;d"x v'Ng] u/L ;+:yfksx?sf] xsdf lghx?sf] gfd, 7]ufgf tyf pgLx?n] lnPsf]

z]o/ ;+Vof ;lxtsf] ljj/0f M

qm=;+ Zf]o/wlgsf] gfd 7]ufgf hDdf lsQf r'Qmf /sd -?=_

! Aof; s'df/ zdf{ kf}8]n afg]Zj/–#$, sf=d=g=kf !&,^!)=^( !&,^!,)^(

@ nIdL pk|]tL l;tfkfO{nf–!, sf7df08f}+ !&,^)^=&# !&,^),^&#

# Dfx]z s'df/ cu|jfn w/fg–%, ;'g;/L !,$^,!@*=&( !,$^,!@,*&(

$ ;'lgn kGt Df}ltb]jL–##, sf7df08f}+ #&,&)#=^* #&,&),#^*

% zf]ef ld> 36]{s'nf], sf=d=g=kf=–## sf7df08f} !^,))^=#& !^,)),^#&

^ cfO=l;=Pkm=l;= laQLo ;+:yf ln= Eff6e6]gL –%, sf7df08f}+ #%,@!^=!^ #%,@!,^!^

& o'lgl6s OGe]i6d]i6 k|f=ln= lvrfkf]v/L –@@, sf7df08f}+ !#,)@,($%=$@ !#,)@,($,%$@

* s[i0f k|;fb clwsf/L sflnsf:yfg –#@, sf7df08f}+ @#,&)!=%@ @#,&),!%@

( laqmd lai6 xfl8ufFp –%, sf7df08f}+ !&,^!)=^( !&,^!,)^(

!) Uff]laGb gf/fo0f dlNns alQ;k'tnL –(, sf7df08f}+ (,$@%=!) (,$@,%!)

!! /fwf b]jL s'Fj/ aNv' –!$, nlntk'/ !$,)**=&^ !$,)*,*&^

!@ /fdafa' kGt 1fg]Zj/ –##, sf7df08f}+ %@,*@%=$) %@,*@,%$)

!# /fh]z afa' >]i7 lazfngu/ –$, sf7df08f}+ !)^=!$ !),^!$

!$ x]dGt gfxf6f hdn –!, sf7df08f}+ &),$#)=** &),$#,)**

!% ;s'Gtnfn lx/frg cgfdgu/ –#@, sf7df08f}+ !$,$*#=#) !$,$*,##)

!^ /flhj pkfWofo Hffjnfv]n –#, nlntk'/ (^*=@^ (^,*@^

!& la/]Gb| s'df/ ;+3fO{ O{Gb|rf]s –@%, sf7df08f}+ @,*!,&!&=(! @,*!,&!,&(!

!* lazfn cu|jfn Affg]Zj/ –!), sf7df08f}+ &,^)*=&& &,^),*&&

!( sljtf ;+3fO{ nflhDkf6 –@, sf7df08f}+ #,%$,(^%=@( #,%$,(^,%@(

@) czf]s s'df/ cu|jfn nflhDkf6 –@, sf7df08f}+ $,%$,@(^=@% $,%$,@(,^@%

@! rGb| k|;fb 9sfn Rf08f]n –$, sf7df08f}+ !%,)(@=^# !%,)(,@^#

@@ cfO{=Pd=O{ u|'k k|f=ln= sf7df08f}+ –#, sf7df08f}+ @&,@$)=@^ @&,@$,)@^

@# Unf]an 6«]l8ª sG;g{ k|f=ln= hdn –!, sf7df08f}+ !,*&,$!%=%^ !,*&,$!,%%^

@$ Kf"hf OG6/g]zgn g]kfn k|f=ln= kfgLkf]v/L –#, sf7df08f}+ !,@&,!&$=!# !,@&,!&,$!#

@% Kf|'8]lG;on Soflk6n Dofg]hd]06

sDkgL k|f=ln=

lvrfkf]v/L –@@, sf7df08f}+ !),)*,^!$=&* !),)*,^!,$&*

@^ Dfw' cu|jfn nflhDkf6 –@, sf7df08f}+ !,@#,%(@=&$ !,@#,%(,@&$

@& o'gfO{6]8 l8l:6Jo'6;{ g]kfn

k|f=ln=

lvrfkf]v/L–@@, sf7df08f}+ @,!*,^$&=@@ @,!*,^$,&@@

@* lgs'Gh cu|jfn nflhDkf6 –@, sf7df08f}+ $,)),#)(=#& $,)),#),(#&

@( Hfulbz k|;fb cu|jfn la/f6gu/ –(, df]/ª !,)%,$&$=(& !,)%,$&,$(&

#) cg'h cu|jfn nflhDkf6 –@, sf7df08f}+ @,%^,)*!=^* @,%^,)*,!^*

#! lazfn cu|jfn nflhDkf6 –@, sf7df08f}+ $,)!,^!^=@# $,)!,^!,^@#

#@ Kff/fdfp06 O{n]S6«f]lgS; k|f=ln= Ko'vf, sf=d=g=kf=–@@, sf7df08f}+ !,$),*^)=#! !,$),*^,)#!

5

## /fh]Gb| k|;fb cof{n nflhDkf6 –@, sf7df08f}+ #%,@!*=*& #%,@!,**&

#$ ˆo'r/ lkmS; OG6/g]zgn

OGe]i6d]06 k|f=ln=

Af'4gu/, sf7df08f}+ !,)!$=!* !,)!,$!*

#% s}nfz lasf; a}+s ln= Kf'tln;8s–#@, sf7df08f}+ !%,(!!=($ !%,(!,!($

#^ gGb lszf]/ zdf{ Go'Knfhf –#@, sf7df08f}+ !!,)$(=@@ !!,)$,(@@

#& clk{t cu|jfn nflhDkf6, sf=d=g=kf–,sf7df08f}+}+ !,@*,!%$=%@ !,@*,!%,$%@

#* ;f]gd Uof5f] kfgLkf]v/L, sf7df08f}+ (^#=#* (^,##*

#(

>L u0f]z k|f]kl6{h P08

OGe]i6d]06 k|f=ln=

YffkfYfnL–!!, sf7df08f}+ (,$*,%(@=$@ (,$*,%(,@$@

$)

cf/Pdl; OGe]i6d]06 k|f=ln= ;fg]kf–@, nlntk'/ !,)%,^$^=@# !,)%,^$,^@#

$! lqnf]srGb| cu|jfn nflhDkf6–@, sf7df08f}+ #,)(,^^(=$^ #,)(,^^,($^

$@ dGh' cu|jfn la/f6gu/–(, df]/Ë #,!),(&^=&) #,!),(&,^&)

$# clgtf ;l/of Go"Knfhf,sf7df8f}+ %,&(^=(@ %,&(,^(@

$$ uf}/L >]i7 gS;fn, sf7df8f}+ !&,%#&=&$ !&,%#,&&$

$% piff OGe]i6d]G6 sflGtky, sf7df8f}+ *,$^,^@*=(# *,$^,^@,*(#

$^ ljBfw/ dlns alt;k'tnL, sf7df8f}+ $,$!$=*^ $,$!,$*^

$& kjg s'df/ ;l/of sdnkf]v/L, sf7df8f}+ $%,*(@=#! $%,*(,@#!

$* g]kfn PS;k]|; kmfOgfG; ln ;'gwf/f, sf7df8f} %*@=%% %*,@%%

$( lbks k|;fb 9'Ë]n ef6e6]gL, sf7df08f}+ !,^)!=*$ !,^),!*$

%) k'hf sG:6«S;g g]kfn k|f=ln sf7df08f}+ %),*^(=^* %),*^,(^*

%! Pg cfO{ ;L Plzof a}+s ln= yfkfynL, sf7df08f}+ !,$%,((^=$* !,$%,((,^$*

hDdf -;+:yfks z]o/wgLx?_ ;d"x “s” **,&$,)(^ **,&$,)(,^))

;j{;fwf/0f z]o/wgLx? -sd{rf/L ;lxt_ ;d"v “v” #*,)#,!*$ #*,)#,!*,$))

s"n hDdf !,@^,&&,@*) !,@^,&&,@*,)))

;+:yfks z]o/wgL /x]sf ;+ul7t ;+:yfx?sf] ;+:yfks tyf ;+rfnsx?sf] ljj/0f M–

-!_ cfO=l;=Pkm=l;= kmfOgfG; lnld6]n, ef6e6]gL –%, sf7df08f}+ .

qm=;+ ;+rfnsx?sf] gfd 7]ufgf

! /fdafa' kGt – cWoIf 1fg]Zj/ –##, sf7df08f}+

@ cRo't /fh cfrfo{– ;+rfns ;ft bf]af6f], nlntk'/

# ljlkg s'df/ /]UdL – ;+rfns d}ltb]jL, sf=d=g=kf= ##

$ /fh]Gb| uf]kfn >]i7 –Joj;flos ;+rfns o+ufn, sf7df8f}+

% Zofd l;+x kf08]– ;+rfns s6'Gh], eQmk'/

^ s]zj k|;fb clwsf/L– ;+rfns nugv]n, nlntk'/ %

& z'lzn s'df/ cof{n– ;+rfns l8NnLahf/, sf7df8f}+

6

-@_ o'lgl6s O{Ge]i6d]06 k|f=ln=

l;=g+= ;+rfnsx?sf] gfd 7]ufgf

! Uof/;L nfn u'Ktf -cWoIf lj/u+h, k;f{

@ la/]Gb| s'df/ ;+3fO{ - z]o/wgL OGb|rf]s, sf=d=g=kf=@%

# d~h' b]jL ;+3fO - z]o/wgL ,,

$ xif{aw{g ;+3fO - z]o/wgL ,,

% z}n]; ;+3fO- z]o/wgL ,,

-#_ o'gfO{6]8 O{Ge]i6;{ k|f=ln=

l;=g+= ;+rfnsx?sf] gfd 7]ufgf

! dx]z s'df/ cu|jfn -cWoIf nflhDkf6, sf=d=g=kf= @, sf7df08f}

@ nflhDkf6, sf=d=g=kf= @, sf7df08f} nflhDkf6, sf=d=g=kf= @, sf7df08f}

-$_ cfO{PdO{ u|'k k|f=ln=

l;=g+= ;+rfnsx?sf] gfd 7]ufgf

! rGb| k|;fb 9sfn- cWoIf kfgL kf]v/L, sf7df8f}+

@ x]d/fh 9sfn – ;+rfns kfgL kf]v/L, sf7df8f}+

-%_ Unf]an 6«]l8ª sG;g{ k|f=ln=

l;=g+= ;+rfnsx?sf] gfd 7]ufgf

! ljzfn cu|jfn - cWoIf nflhDkf6, sf=d=g=kf= @, sf7df08f}

# cflzif s'df/ cu|jfn - ;+rfns sdnfbL #!, sf7df8f}+

-^_ k'hf O{G6/g]zgn g]kfn k|f=ln=

l;=g+= ;+rfnsx?sf] gfd 7]ufgf

! lazfn cu|jfn -cWoIf nflhDkf6, sf=d=g=kf= @, sf7df08f}

@ lgs'Gh cu|jfn - ;+rfns nflhDkf6, sf=d=g=kf= @, sf7df08f

-&_ k|'8]lG;on Soflk6n Dofg]hd]06 sDkgL k|f=ln=

l;=g+= ;+rfnsx?sf] gfd 7]ufgf

! czf]s s'df/ cu|jfn -cWoIf nflhDkf6, sf=d=g=kf= @, sf7df08f}

@ dw' cu|jfn - ;+rfns nflhDkf6, sf=d=g=kf= @, sf7df08f}

# clk{t cu|jfn – ;+rfns nflhDkf6, sf=d=g=kf= @, sf7df08f}

-*_ o'gfO{6]8 l8l:6Jo'6;{ g]kfn k|f=ln=

l;=g+= ;+rfnsx?sf] ljj/0f 7]ufgf

! cg'h cu|jfn -cWoIf nflhDkf6, sf=d=g=kf= @, sf7df08f}

@ ljj]s cu|jfn - ;+rfns gS;fn !, sf7df08f}

7

-(_ kf/fdfp06 O{n]S6«f]lgS; k|f=ln=

qm=;+ ;+rfns 7]ufgf

! lazfn cu|jfn -cWoIf nflhDkf6, sf=d=g=kf= @, sf7df08f}

@ cflzif lhGbn - ;+rfns w/fg- @, ;'g;/L

-!)_ ˆo'r/lkmS; O{G6/g]zgn O{Ge]i6d]06 k|f=ln=

l;=g+= ;+rfnsx?sf] gfd 7]ufgf

! lgd k|;fb clwsf/L -cWoIf sf7df8f}+

@ clgnf zfSo -;+rfns afUn'Ë lh=, sfnLsf cfbz{ uf=lj=;=, j8f

g+= $

# b'uf{ k|;fb l3d]/] - ;+rfns sfe|] lh=, s'zfb]jL-@

$ df]xg bfxfn -;+rfns sf7df8f}+

-!!_ s}nfz lasf; a}+s

l;=g+= ;+rfnsx?sf] gfd 7]ufgf

! gf/fo0f k|;fb kf}8]n - cWoIf lrnfpg]af; -#,:ofËhf

@ ;'lgn gf/fo0f >]i7 - ;+rfns bf/l;+x - (, :ofËhf

# lrGtf d0fL kf08] - ;+rfns a'6jn-^, ?kGb]xL

$ p4j /fh k'/L - ;+rfns /fdsf]6-$, sf7df8f}+

% hgs /fh 9+'ufgf-Aoj;flos ;+rfns 5fª5fªbL -#, :ofËhf

-!@_ >L u0f]z k|f]kl6{h P08 O{Ge]i6d]06k|f=ln=

l;=g+= ;+rfnsx?sf] gfd 7]ufgf

! czf]s s'df/ cu|jfn- cWoIf nflhDkf6, sf=d=g=kf= @, sf7df08f}

@ lgs'Gh cu|jfn -;+rfns nflhDkf6, sf=d=g=kf= @, sf7df08f}

# clk{t cu|jfn -;+rfns nflhDkf6, sf=d=g=kf= @, sf7df08f}

-!#_ cf/Pdl; OGe]i6d]06 k|f=ln=

qm=;+ ;+rfnssf] gfd 7]ufgf

! >j0f s'df/ cu|jfn -k|aGw ;+rfns ;fg]kf -)@

@ /fh]z s'df/ cu|jfn ;+rfns ;fg]kf -)@

# lai0f' s'df/ cu|jfn ;+rfns ;fg]kf -)@

-!$_ k"hf sG:6«S;g g]kfn k|f=ln=

qm=;+ ;+rfnssf] gfd 7]ufgf

! ljzfn cu|jfn - cWoIf nflhDkf6, sf=d=g=kf-@, sf7df08f}

@ lgs'~h cu|jfn - ;+rfns nflhDkf6, sf=d=g=kf-@, sf7df08f}

8

-!%_ piff OGe]i6d]G6 k|f=ln=

qm=;+ ;+rfnssf] gfd 7]ufgf

! ;'jf; rGb| kf}8]n sflGtky, sf7df8f}+

-!^_ Pg cfO{ ;L Plzof a}+s lnld6]8, yfkfynL, sf7df08f}+ .

qm=;+

= Gffd kb 7]ufgf

! >L t'n;L /fd cu|jfn cWoIf la/f6gu/ (, df]/Ë .

@ >L hulbz k|;fb cu|jfn ;+rfns lj/f6gu/=p=d=g=kf= j8f g+ (,df]/Ë .

# >L /fd rGb| ;+3O{ ;+rfns sf=d=g=kf j8f g+= #!, sf7df08f} .

$ >L /fh]Gb| k|;fb cof{n ;+rfns sf=d=g=kf j8f g+= )@, sf7df08f} .

% >L ljgf]b s'df/ Kofs'/]n ;+rfns sf=d=g=kf= j8f g+ !, gS;fn,

sf7df08f}+

^ >L u0f]zdfg >]i7 :jtGq ;+rfns sf=d=g=kf= j8f g+ !^, sf7df08f}+ .

& >L lqnf]s rGb cu|jfn ;+rfns la/f6gu/ (, df]/Ë

h= lgisfzg ul/g] xsk|b z]o/sf] ;+Vof tyf To;sf] cg'kft M

o; OG;f]/]G; sDkgLsf] z]o/wgLx?sf] nflu lghx?sf] gfddf sfod /x]sf] z]o/sf] !) M & cyf{t bz a/fa/ gofF ;ft lsQf

z]o/sf] b/n] x'gcfpg] z]o/sf nflu b/vf:t ;fy k|lt z]o/ ? !))÷– sf] b/n] e'QmfgL dfu ug]{ u/L ? **,&$,)(,^))÷–

k"FhL a/fa/ k|lt z]o/ ? !))÷– c+lst b/sf **,&$,)(^ lsQf xsk|b z]o/ lgisfzg ul/g]5 .

em= lwtf]kq lgisfzg ug]{ ;DaGwdf ;fwf/0f ;efn] u/]sf] lg0f{o tyf ;fwf/0f ;ef ;DkGg ePsf] ldlt M

;fwf/0f ;efn] u/]sf] lg0f{o

o; sDkgLsf] ldlt @)&^÷)#÷!! ut] a;]sf] P3f/f}+ jflif{s ;fwf/0f ;efaf6 kfl/t lg0f{o cg';f/ xfn sfod /x]sf] ?= !

cj{ @^ s/f]8 && nfv @ ;fo *) r'Qmf k"FhLdf k|lt z]o/ ?=!))÷– c+lst b/sf !,@^,&&,@*) lsQfsf] &) k|ltzt

cyf{t ?= ** s/f]8 &$ nfv ( xhf/ ^ ;o a/fa/sf] xsk|b z]o/ lgisfzg ug{ ;j{;Ddltaf6 kfl/t u/]sf] .

;fwf/0f ;ef ;DkGg ePsf] ldlt

xsk|b z]o/ lgisfzg ug]{ ;DaGwdf ;fwf/0f ;ef ;DkGg ePsf] ldlt M@)&^÷)#÷!! ut] a'wjf/ .

9

~f= ;+rfns tyf sfo{sf/L k|d'vsf] gfd, 7]ufgf, z}lIfs of]Uotf tyf cg'ej M

;+rfnsx?sf] gfd, 7]ufgf, z}lIfs of]Uotf tyf cg'ej:

k|d'v sfo{sf/L clws[tsf] gfd, 7]ufgf, of]Uotf tyf cg'ej ;DaGwL ljj/0fM

Gffd kb of]Uotf 7]ufgf cg'ej

>L lzj gfy kf08] k|d'v sfo{sf/L

clws[t

lj=lj=P=,

Pkm=l;=P=

sfnLu08sL

uf=lj=;=,

:ofËhf

—nfdf] ;do ;Dd g]kfn /fi6« a}+sdf sfo{/t /xL ldlt

@)&#÷)(÷)# ut] sfo{sf/L lgb]{zssf] kbaf6 cjsf; lng'

ePsf] .

—;fljs n'lDjgL a}+s lnld6]8df ;+rfns tyf Pg=l;=l;= a}+s

ln=df ;+of]hs e} sfo{ ug'{ ePsf] .

—cy{ dGqfno cfGtl/s /fh:j ljefudf la1 ;d"xsf] ;b:o

/lx sfo{ ug'{ ePsf] .

— k]6«f]lnod kbfy{sf] d"No lgwf{/0f ;ldltdf ;b:o /xL sfo{

ug'{ ePsf] .

— cfos/ P]g, @)%* sf] d:of}bf tof/ ug]{ ;ldltdf k|ToIf

?kdf ;+nUg /xL sfo{ ug'{ ePsf] .

qm= ;+= gfd kb 7]ufgf z}lIfs

of]Uotf

cg'ej -;DalGwt jf cGo_

! >L s]zj k|;fb e§/fO{

-;+:yfks z]o/wgLsf] tkm{af6

k|ltlglwTj_ ;+rfns

cWoIf

sf=d=g=kf=–^,

;/:jtLgu/,

sf7df08f}

Pd=P= g]kfn ;/sf/sf] ;lrj kbdf /lx nfdf] ;do

sfo{/t /xg'e} ;]jf lgj[Q JolQmTj x'g' x'G5 .

g]kfn ;/sf/sf] ;]jfdf nfdf] cg'ej xfl;n ug'{

ePsf jxfF xfn Jofkf/ tyf ;dfh ;]jfdf ;lqmo

/xFb} cfpg' ePsf] 5 .

@

>L ljzfn cu|jfn

-;+:yfks z]o/wgLsf] tkm{af6

k|ltlglwTj_

;+rfns dWoafg]Zj/–

#$, sf7df08f}+

Pd=lj=P ljut nfdf] ;do b]lv Aofkf/ Aoj;fosf] If]qdf

;+nUg eO{ /]z' u|'k ckm sDklghdf pkfWoIf

kbdf /xL sfo{ ul//xg' ePsf] . ;fy} s]=kL=

l;d]G6 OG8l:6«h k|f=ln=, ;gfx Soflk6n k|f=ln=,

sdn lagfos 8]Enk;{ k|f=ln= df ;+rfns /xg'

ePsf] .

#

>L x]dGt gfxf6f

-;+:yfks z]o/wgLsf] tkm{af6

k|ltlglwTj_

;+rfns sf=d=g=kf=–!,

gS;fn,

sf7df08f}+

O{=Pd=lj=P ljut nfdf] ;do b]lv Aofkf/ Aoj;fosf] If]qdf

;+nUg eO{ xlg OG6/k|fO{h]h k|f=ln= nufotsf

sDkgLx?df cfj4 /xg' ePsf jxfFn] s}nfz

ljsfz a}+s lnld6]8 tyf aLdf sDkgLdf

;+rfnssf] kbdf /lx sfo{ u/]sf] cg'ej xfl;n

ug'{ ePsf] 5 . xfn jxfF Jofkf/ Joj;fodf

;+nUg /xg' ePsf] 5 .

$

>L 8f= lagf]b cfq]o

-;+:yfks z]o/wgLsf] tkm{af6

k|ltlglwTj_

;+rfns Af'9flgns07

g=kf=,

sf7df08f}+

Pd=lj=P=,

Pd=lk=P=

lk=Pr=l8

Og klAns

l/km{d

Dofg]hd]06

g]kfn /fi6« a}+sdf tL; aif{ eGbf a9Lsf]

sfof{g'ej xfl;n ug'{ ePsf] . g]kfn /fi6« a}{ssf]

sfo{sf/L lgb]{zs, g]kfn a}+s lnld6]8sf] k|d'v

sfo{sf/L clws[t /lx sfo{ ug'{ ePsf] . ;fy}

;+o'Qm /fi6« ;+l3o lasf; sfo{qmddf ;d]t

la1sf] ?kdf sfo{ ul/;Sg' ePsf jxfF xfn

Odlh{Ë g]kfn lnld6]8sf] k|d'v sfo{sf/L

clws[tdf sfo{/t x'g'x'G5 .

%

>L u+uf k|;fb zdf{

-:jtGq ;+rfns_ ;+rfns sf=d=g=kf=–

(, u}l/ufFp

sf7df08f

:gftsf]Q/ ;/sf/L ;]jfdf nfdf] ;do ;Dd sfo{/t /xg'

ePsf] . ;]jf cjlwe/df g]kfn ;/sf/sf]

cy{dGqfno cGtu{tsf ljleGg lgsfodf ;]jf/t

/lx sfof{g'ej xfl;n ug'{ ePsf] 5 . pk–;lrj

kbaf6 cjsfz k|fKt jxfF ;]jf cjlwdf x]6f}8f

l;d]G6sf] ;+rfns kbdf /xL sfo{ u/]sf] .

^

>L s[lt l6j8]jfn -v]tfg_

-;j{;fwf/0f z]o/wgLsf] tkm{af6

k|ltlglwTj_

;+rfns lqk'/]Zj/,

sf7df8f}+

aL=sd= Aofkf/ Aoj;fosf] If]qdf lg/Gt/ ;+nUg /xg'

ePsL . Unf]an s]ldsn k|f=ln=df ;+rfns kbdf

/lx sfo{ ul//xg' ePsf] cg'ej xfl;n ug'{ePsf]

5 .

&

>L aL/]Gb| afa' >]i7

-;j{;fwf/0f z]o/wgLsf] tkm{af6

k|ltlglwTj_

;+rfns uf]Ëa',

sf7df8f}+

aL=sd= g]kfn k|x/Ldf #) jif{ ;Dd sfo{/t /xg' ePsf]

jxfF k|x/L cltl/Qm dxflg/LIfs kbaf6 ;]jf

lgj[Q JolQmTj x'g' x'G5 .

10

6= ;+rfns ;ldltsf] agf}6 M

;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] lgodfjnLsf] lgod #! df ePsf] Joj:yf cg';f/ & -;ft_ hgf ;~rfns /x]sf]

Ps ;~rfns ;ldltsf] Joj:yf ul/Psf] 5 . ;~rfns ;ldltdf lgo'Qm x'gsf] nflu ;"of{ nfOkm OG:of]/]G; sDkgL

lnld6]8sf] sDtLdf !)) yfg z]o/ lnPsf] x'g'kg]{5 . o:tf] z]o/ lng] JolQmn] cfˆgf] z]o/ s;}nfO{ lwtf]aGws lbPsf] jf

/fv]sf] x'g' x'Fb}g . t/, ;+ul7t ;+:yfsf] k|ltlglwTj ug]{ ;~rfns tyf Jofj;flos ;~rfnssf] xsdf pk/f]Qm Joj:yf nfu'

x'g] 5}g . ;+rfns ;ldltdf ;+rfns ;b:ox?sf] k|ltlglwTj b]xfo adf]lhd /x]sf] 5 .

;d'x ¨s¨ ;+:yfks z]o/wgLx? dWo]af6 rf/ -$_ hgf

;d'x ¨v¨ ;j{;fwf/0f z]o/wgLx? dWo]jf6 b'O{ -@_ hgf

sDkgL P]g, @)^# sf] bkmf *^ -#_ adf]lhd lgo'Qm ;+rfns Ps -!_ hgf

hDdf ;ft -&_ hgf

;~rfnsx?sf] sfo{sfn $ jif{sf] x'g]5 .

7= lng'kg]{ Go"gtd z]o/ ;+Vof / b/vf:t ;fy k7fpg' kg]{ k]ZsL /sd M

xsk|b z]o/ lgisfzg k|of]hgsf] nflu sDkgLn] xsk|b z]o/ lgisfzg ug'{ k"j{ ;fj{hlgs ;"rgf dfkm{t hfgsf/L u/fPsf]

ldlt;Dd z]o/ vl/b u/L sfod ePsf ;fljs z]o/wgLx?n] cfˆmgf] gfddf sfod /x]sf] z]o/sf] !) M & -cyf{t ljBdfg bz

lsQf z]o/ a/fa/ gofF ;ft lsQf z]o/_ sf] cg'kftdf k|lt z]o/ ?= !))÷– sf b/n] x'g] Psd'i6 gub /sd jf ;f] /sd

a/fa/ ;DalGwt ;+sng s]Gb|sf] gfddf lvlrPsf] Psfp06 k]oL r]s b/vf:t;fy k]z ug'{ kg]{5 .

t/ ;fljs z]o/wgLn] cfˆgf] sfod xs eGbf sd xsk|b z]o/ vl/b ug{sf] nflu cfj]bg lbg ;Sg]5g / o;/L cfk\mgf]

xs eGbf sd xsk|b z]o/ vl/bsf nflu cfj]bg lbg] z]o/wgLx?sf] xsdf b/vf:tdf dfu u/] adf]lhd g} xsk|b z]o/

afF8kmfF6 ul/g]5 .

8= ;fljssf z]o/wgLx?n] xsk|b z]o/ vl/bsf nflu b/vf:t glbO{ afFsL /xg uPsf z]o/x?sf] laqmL ug]{ ;DaGwL Joj:yf M

;fljssf z]o/wgLx?n] xsk|b z]o/ laqmLsf] nflu v'Nnf ul/Psf] cjlwleq vl/bsf nflu b/vf:t glbO{ jf cfˆgf] xs

cg';f/sf] z]o/eGbf sd z]o/sf] nflu cfj]bg lbO{ z]o/x? afFsL /xg uPsf] v08df o;/L afFsL /xg uPsf z]o/x?sf]

;DaGwdf lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] bkmf @) df ePsf] Joj:yf adf]lhd ;fj{hlgs ?kdf ;"rgf

k|sflzt ul/ tyf lwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$ df ePsf] Joj:yf / cGo P]g, lgodsf ;fy} aLdf

;ldltsf] lgb{]zg adf]lhd cToGt kf/bzL{ lnnfd a9fa9 k|s[of åf/f ul/g] 5 .

9= xsk|b z]o/sf] cg'kft eGbf al9 z]o/ vl/b ug{ kfpg]÷gkfpg] ;DaGwL Joj:yf M

xsk|b z]o/ vl/b ubf{ xsk|b z]o/sf] cg'kft eGbf a9L z]o/ vl/b ug{ gkfpg] t/ cfˆgf] sfod xs cg';f/ vl/b ug{

kfpg] xsk|b z]o/ vl08s[t x'g cfPdf bzdna kl5 leGg c+s (Fraction Share) sf] z]o/nfO{ dflyNnf] k"0f{ c+s

(Upper whole number) df kl/0ft u/L cfj]bg lbg kfOg] 5 . t/ bzdnjdf cfpg] ul/ z]o/ cfj]bg lbg kfOg] 5}g

.

o;/L dflyNnf] z]o/ lsQfsf] nflu cfj]bg lbg] z]o/wgLx?sf] xsdf o; xsk|b z]o/ lgisfzgsf] qmddf laqmL geO{ aFfsL

/x]sf] z]o/x?af6 ;dfof]hg ug]{ u/L aFf8kmFf6 ul/g]5 . olb o; xsk|b z]o/sf] nflu lgisfzg ul/Psf] ;Dk"0f{ z]o/sf]

nflu cfj]bg k|fKt ePdf g]kfn lwtf]kq af]8{sf] k"j{ :jLs[lt lnO{ sDkgLsf] ;+rfns ;ldltn] dflyNnf] z]o/ lsQf dfu

u/L b/vf:t lbg] z]o/wgLx?nfO{ xsk|b aFf8kmFf6 ul/g]5 .

0f= ;+ul7t ;+:yfsf] ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt eO{ g;s]sf] cj:yfdf

;~rfng cjlwsf] ljQLo ljj/0f -;xfos sDkgL eP ;dli6s[t ?kdf_ tyf cfufdL # jif{sf] k|If]lkt ljQLo ljj/0fsf ;fy}

k|If]lkt k|lt z]o/ cfDbfgL -O=lk=o;_, k|lt z]o/ g]6jy{, g]6jy{df k|ltkmn / lgisfzg k"j{sf] k|lt z]o/ cfDbfgL sfod /fVg a[l4

x'g] g]6jy{df cfjZos k|ltkmn M

sDkgLsf] ljut tLg cfly{s jif{sf] jf:tljs cfly{s ljj/0f tyf cfufdL tLg cfly{s jif{sf] nflu k|If]lkt ljQLo ljj/0f b]xfo

adf]lhd 5 .

jf;nft -?= xhf/df_

ljj/0f

jf:tljs *ciff9

d;fGt

@)&%÷)&^

k|If]lkt

cf=j=

@)&!÷)&@

cf=j=

@)&@÷)&#

cf=j=

@)&#÷)&$

cf=j=

@)&$÷)&%

cf=j=

@)&^÷)&&

cf=j=

@)&&÷)&*

cf=j=

@)&*÷)&(

>f]t

r'Qmf k"FhL 500,000 500,000 656,250 1,094,821 1,267,728 2,155,138 2,155,138 2,155,138 hu]8f tyf sf]if 142,017 257,212 353,626 327,262 410,293 485,842 913,523 1,412,717 hLjg aLdf sf]if 1,051,001 1,646,025 2,417,176 3,524,700 5,252,452 8,012,919 12,204,459 18,505,483 dxf–ljkQL hu]8f

11,440 24,623 38,172 56,804 77,665 108,754 156,275 211,740

11

ltg{ afFsL bL3{sflng C0f

tyf ;fk6L - - - - - - - - s"n >f]t -s_ 1,704,458 2,427,860 3,465,224 5,003,587 7,008,137 10,712,065 15,429,395 22,285,077 pkof]u

l:y/ ;DkQL -v'b_ 27,857 33,887 38,126 42,528 61,138 73,366 88,039 105,647 lb3{sflng nufgL 750,502 750,768 1,815,169 2,841,642 2,849,012 4,550,488 6,510,216 9,395,667 ladfn]vsf] lwtf]df shf{ 25,444 68,752 138,267 242,400 460,311 598,405 777,926 1,011,304 lb3{sflng shf{ 26,925 34,749 93,868 93,766 119,000 154,700 201,110 261,443 hDdf -v_ 830,728 888,156 2,085,430 3,220,336 3,489,462 5,376,959 7,577,292 10,774,061

rfn' tyf cGo ;DkQL

gub tyf a}+s df}Hbft 57,609 89,310 99,580 98,897 193,482 70,829 68,761 103,541 cNksflng nufgL 862,934 1,568,690 1,428,435 1,820,476 3,619,613 5,561,707 7,956,931 11,483,593 cGo cNksflng shf{ 20,954 27,526 - - - - - - cGo ;DkQL 165,234 218,974 302,800 495,432 471,469 612,909 796,782 1,035,816 hDdf -u_ 1,106,731 1,904,500 1,830,814 2,414,805 4,284,565 6,245,446 8,822,474 12,622,950

rfn' bfloTj tyf Joj:yfx?

rfn' bfloTj 95,121 140,083 92,717 157,200 232,577 290,721 363,402 454,252 c;dfKt hf]lvd jfkt

Joj:yf 115,078 183,911 306,021 370,228 415,952 425,000 430,000 440,000 e'QmfgL x'g afFsL bfjL

jfkt Joj:yf 684 502 502 13,842 26,687 30,690 35,293 40,587 cGo Joj:yf 22,117 40,299 51,780 90,283 90,673 113,341 141,676 177,095

hDdf -#_ 233,000 364,795 451,021 631,553 765,890 859,752 970,371 1,111,934

v'b rfn' ;DklQ -ªÖu–3_ 873,730 1,539,705 1,379,793 1,783,251 3,518,675 5,385,694 7,852,103 11,511,016

ckn]vg jf ;dfof]hg x'g

afFsL ljljw vr{x? - - - - - - - - gfkmf gf]S;fg lx;faaf6

;f/]sf] gf]S;fg - - - - - - - - s'n pkof]u -rÖv±u–3_ 1,704,458 2,427,860 3,465,224 5,003,587 7,008,137 10,712,065 15,429,395 22,285,077

* Joj:yfkgaf6 k|dfl0ft ckl/is[t ljQLo ljj/0f

gfkmf gf]S;fg lx;fa

-?= xhf/df_

ljj/0f

af:tljs *ciff9

d;fGt

@)&%÷)&^

k|If]lkt

cf=j=

@)&!÷)&@

cf=j=

@)&@÷)&#

cf=j=

@)&#÷)&$

cf=j=

@)&$÷)&%

cf=j=

@)&^÷)&&

cf=j=

@)&&÷)&*

cf=j=

@)&*÷)&(

cfo

cfo Joo lx;faaf6 ;f/]sf] gfkmf/-gf]S;fg_ (19,158) 38,558 57,925 100,523 163,686 188,665 214,143 221,651 hLjg aLdf sf]ifaf6 ;f/]sf]

13,523 28,194 37,540 38,856 - 100,000 120,000 180,000 nufgL shf{ tyf cGoaf6 cfo

37,149 51,809 56,445 76,114 109,693 121,206 273,909 314,157 Joj:yf lkmtf{ - 577 1,153 5,808 23,683 11,820 13,002 14,302 cGo cfDbfgL - - - - - - - - hDdf cfDbfgL -s_ 31,515 119,137 153,063 221,301 297,063 421,691 621,054 730,110

vr{

Joj:yfkg vr{ 41,448 24,117 23,000 32,196 48,917 61,146 76,433 95,541

ckn]vg vr{ - - - 647 - - - -

z]o/ ;DaGwL vr{ 256 1,485 1,233 1,839 4,214 2,107 2,317 2,549

12

cGo vr{x?

314 - 414 381 321 - - -

gf]S;fgLsf] nflu Joj:yf 611 1,153 5,808 23,797 11,820 13,002 14,302 15,732

sd{rf/L cfjf; Joj:yf - - - - - - - - sd{rf/L af]g; Joj:yf

- 8,398 11,146 16,244 23,179 34,544 52,800 61,629 ;dfof]lht cfos/ cl3sf] gfkmf

(11,115) 83,984 111,461 146,197 208,613 310,892 475,202 554,659 ;dfof]lht cfos/

(33,056) (48,482) (24,791) (40,345) - - - - c_ cfos/

- - - - - - - - cf_ :yug s/ ;DklQ/bfloTj 33,056 48,482 24,791 40,345 - - - - hDdf vr{ -v_ 9,573 (13,329) 16,811 34,759 88,450 110,798 145,852 175,451 v"b gfkmf ÷ -gf]S;fg_

-uÖs–v_ 21,941 132,467 136,252 186,542

208,613 310,892 475,202 554,659

* Joj:yfkgaf6 k|dfl0ft ckl/is[t ljQLo ljj/0f

Plss[t cfo-Joo lx;fj

-? xhf/df_

ljj/0f

af:tljs *ciff9

d;fGt

@)&%÷)&^

k|If]lkt

cf=j=

@)&!÷)&@

cf=j=

@)&@÷)&#

cf=j=

@)&#÷)&$

cf=j=

@)&$÷)&%

cf=j=

@)&^÷)&&

cf=j=

@)&&÷)&*

cf=j=

@)&*÷)&(

cfo

aLdf z'Ns -v'b_ 623,002 1,010,425 1,255,706 1,669,188 2,488,908 3,809,906 5,538,333 7,892,966

k'gaL{df sldzg cfo 10,621 9,716 - - - - - -

nufgL, shf{ tyf cGoaf6 cfo 72,627 151,121 195,224 315,723 453,509 622,265 832,161 1,276,431 aLdfn]vsf] lwtf]df shf{af6

cfo 2,096 4,835 10,240 19,060 30,767 52,936 68,817 89,462

cGo k|ToIf cfo 631

430 3,055 1,862 2,675 3,343 4,179 5,224 cfly{s aif{sf] z'?sf] e'QmfgL x'g

aFfsL bfjL afkt Joj:yf 805 684 502 502 13,842 26,687 30,690 35,293 cfly{s jif{sf] z'?sf] c;dfKt

hf]lvd jfkt Joj:yf 38,019 115,078 183,911 306,021 370,228 415,952 425,000 430,000

hDdf cfo -s_ 747,801 1,292,289 1,648,638 2,312,358 3,359,928 4,931,088 6,899,180 9,729,376

Joo

bfjL e'QmfgL -v'b_ 35,760 57,076 108,397 169,449 227,615 291,000 372,176 476,173

clestf{ sldzg 95,114 155,869 141,283 199,049 327,977 540,455 784,754 1,121,149

:jf:Yo k/LIf0f z'''Ns 2,260 3,964 4,329 4,588 2,724 3,405 4,256 5,320

k'gaL{df sldzg vr{ - - - - - - - -

;]jf z'Ns -v'b_ 6,336 10,198 12,557 16,692 24,889 38,099 55,383 78,930

cGo k|ToIf vr{ 1,921 1,939 1,932 1,845 2,394 2,993 3,741 4,677

Joj:yfkg vr{ 117,580 217,055 207,000 289,763 440,251 550,314 687,893 859,866 cfly{s jif{sf] cGTodf e'QmfgL

x'g aFfsL bfjL jfkt Joj:yf 684 502 502 13,842 26,687 30,690 35,293 40,587 cfly{s jif{sf] cGTodf c;dfKt

hf]lvd jfkt Joj:yf 115,078 183,911 306,021 370,228 415,952 425,000 430,000 440,000

hDdf Joo -v_ 374,733 630,513 782,021 1,065,455 1,468,490 1,881,956 2,373,496 3,026,702

hLag aLdf sf]ifdf ;f/]sf] art 392,225 623,218 808,692 1,146,379 1,727,752 2,860,467 4,311,540 6,481,023

gfkmf gf]S;fg lx;fjdf ;f/]sf]

art /-gf]S;fg_ -uÖs–v_ -19,158_ 38,558

57,925 100,523 163,686 188,665 214,143 221,651

* Joj:yfkgaf6 k|dfl0ft ckl/is[t ljQLo ljj/0f

13

sDkgLsf] cg'dflgt ljQLo Joj:yf / ;j} bfloTj ;fl/;s]kl5 v'b aFfsL x'g] ;DklQ -g]6jy{_ b]xfo adf]lhd /x]sf] 5 .

-?= xhf/df_

ljj/0f

af:tljs

*ciff9 d;fGt

@)&%÷)&^ k|If]lkt

cf=j=

@)&!÷)&@

cf=j=

@)&@÷)&#

cf=j=

@)&#÷)&$

cf=j=

@)&$÷)&%

cf=j=

@)&^÷)&&

cf=j=

@)&&÷)&*

cf=j=

@)&*÷)&(

z]o/ k"FhL 500,000 500,000 656,250 1,094,821 1,267,728 2,155,138 2,155,138 2,155,1380

hu]8f tyf sf]ifx? 142,017 257,212 353,626 327,262 410,293 485,842 913,523 1,412,717

dxf-ljkQL hu]8f 11,440 24,623 38,172 56,804 77,665 108,754 156,275 211,740

hDdf 653,457 781,835 1,048,048 1,478,887 1,755,686 2,749,734 3,224,935 3,779,595

ckn]vg x'g aFfsL vr{ - - - - -

- - -

s"n g]6jy{ 653,457 781,835 1,048,048 1,478,887 1,755,686 2,749,734 3,224,935 3,779,595

z]o/ ;+Vof -!))) df_ 5,000 5,000 6,562.50 10,948.21 12677.28 21551.38 21551.38 21551.38

k|lt z]o/ g]6jy{ -?=_ 130.69 156.37 159.70 135.08 138.49 127.59 149.64 175.38

k|lt z]o/ cfDbfgL -?=_ 4.39 26.49 20.76 17.04 16.46 14.43 22.05 25.74

g]6jy{df k|ltkmn -%_ 3.36% 16.94% 13.00% 12.61% 11.88% 11.31% 14.74% 14.68%

k|lt z]o/ r'Qmf kF"hL -?=_ 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 g]6jy{df lgisfzg k"j{sf] k|lt z]o/ cfDbfgL

sfod /fVg cfjZos Go"gtd k|ltkmn 12.90%

* Joj:yfkgaf6 k|dfl0ft ckl/is[t ljQLo ljj/0f

k|If]lkt gfkmf gf]S;fg lx;fj / jf;nft tof/ ubf{sf] cfwf/x? M

ljj/0f

k|If]lkt -k|ltztdf_

cf=j= @)&^÷)&& cf=j= @)&&÷)&& cf=j= @)&*÷)&(

s'n aLdf lk|ldod cfDbfgLdf cg'dflgt a[l4 b/ 51% 45% 43%

clestf{ sldzgdf cg'dflgt a[l4 b/ 65% 45% 43%

aLdf z'Ns -? Nffvdf_ 38,633 56,180 80,085

cGo bfloTjdf cg'dflgt a[l4 b/ 25% 25% 25%

cGo ;DklQdf cg'dflgt a[l4 b/ 30% 30% 30%

Joj:yfkg vr{df cg'dflgt a[l4 b/ 25% 25% 25%

nufgLdf cg'dflgt a[l4 b/ 58% 43% 44%

nufgLsf] k|ltkmndf cf};t a[l4 b/ 32% 49% 44%

v'b aLdf lk|ldoddf cg'dflgt a[l4 b/ 53% 45% 43%

v'b gfkmfdf cg'dflgt a[l4 b/ 76% 42% 18%

hDdf aLdf lk|ldod÷hDd ;DktLdf cg'dflgt

cg'kft 39% 39% 38%

hDdf nufgLaf6 k|Kt x'g] cfDbfgLdf cg'dflgt b/ 9% 9% 9%

aLdf sf]ifdf cg'dflgt a[l4 b/ 53% 52% 52%

Rffn' bfloTjdf cg'dflgt a[l4 b/ 25% 25% 25%

dfly pNn]lvt cfly{s tyf ljQLo k|If]k0f / ljZn]if0f ljut jif{sf] sf/f]jf/x?sf] cfwf/df lgisfzgstf{ OG:of]/]G; sDkgL cfkm}n]

tof/ kf/]sf] xf] . pQm k|If]lkt ljQLo ljj/0fx? oyfy{k/s ePsf] Joxf]/f k|dfl0ft ug]{ ljz]if1df /ZdL hL= P08 P;f]l;P6\;, rf6{8{

Psfp06]06sf >L /ZdL lu/LHo" x'g'x'G5 .

14

k|If]k0fsf cfwf/x? ;DaGwdf yk ljj/0fx? M

-s_ k|If]lkt ljQLo ljj/0f o; aLdf sDkgLsf] Joj:yfkgaf6 k|dfl0ft cf=j=@)&$÷)&% tyf ;f] cl3sf ljQLo ljj/0fsf] cfwf/df

ul/Psf] xf] .

-v_ s'n aLdf lk|ldoddf a[l4 b/ ;+rfngdf /x]sf cGo aLdf sDkgLx?n] u/]sf] tyf o; aLdf sDkgLsf] ljutdf ePsf] cf}ift a[l4

b/sf] cfwf/df cfufdL aif{sf] a[l4 b/ k|If]k0f ul/Psf] 5 .

-u_ nufgLdf x'g] k|ltkmn ljut tyf cfufdL cf=j= df lwtf]kqsf] bf]>f] ahf/df x'g] ptf/ r9fj tyf ;DalGwt sDkgLaf6 ljt/0f

ug{ ;Sg] nfef+zsf] k|If]k0fsf] cfwf/df ul/Psf] 5 .

-3_ Joj:yfkgsf] vr{df x'g] a[l4 b/ sDkgLsf] Joj;fodf ePsf] lj:tf/ tyf gofF zfvf sfof{nox? lj:tf/ ug{sf] nflu nfUg]

nfutsf] cfwf/df cf}iftdf @% k|ltzt b/n] k|If]k0f ul/Psf] 5 .

-ª_ v'b gfkmfdf x'g] cg'dflgt a[l4 b/nfO{ sDkgLsf] Joj;fodf ePsf] lj:tf/ tyf bflj e'QmfgLdf x'g] a[l4 b/sf] cfwf/df ul/Psf]

5 .

-r_ aLdf sf]if tyf rfn' bfloTjdf x'g] cg'dflgt a[l4 b/ ljutsf cf=j= tyf eljiodf x'g] Joj;fo lj:tf/sf] cfwf/df ul/Psf] xf].

-5_ cfos/ P]g, @)%* sf] bkmf ^! adf]lhd u0fgf ubf{ s/of]Uo cfo gePsf] sf/0f cfos/ z'Go b]vfOPsf] 5 . ;fy}, k|If]lkt

ljQLo ljj/0fdf :yug s/sf] u0fgf tyf Joj:yf ul/Psf] 5}g .

t= ;+ul7t ;+:yfsf] kl5Nnf] aif{sf] n]vfk/LIf0f ePsf] jf;nft / gfkmf gf]S;fg lx;fjsf] ljj/0f M

@)&$ >fj0f ! ut] b]lv @)&% cfiff9 d;fGt ;Ddsf] jf;nft

-?=xhf/df_

ljj/0f

cf=j=

@)&$÷)&% >f]t r'Qmf k"FhL 1,094,821 hu]8f tyf sf]if 327,262 aLdf sf]if 3,524,700

dxf-ljkQL hu]8f 56,804 ltg{ aFfsL bL3{sflng C0f tyf ;fk6L -

s'n >f]t 5,003,588 pkof]u l:y/ ;DklQ -v'b_ 42,528 bL3{sflng nufgL 2,841,642 ladfn]vsf] lwtf]df shf{ 242,400 bL3{sflng shf{ 93,766

hDdf 3,220,336

rfn' ;DklQ shf{ tyf k]ZsLx? gub tyf a}+s df}Hbft 98,897 cNksflng nufgL 1,820,476 cNksflng shf{

- cGo ;DklQ 495,432

hDdf 2,414,805 rfn' bfloTj tyf Joj:yfx?

rfn' bfloTj 157,200 c;dfKt hf]lvd afkt Joj:yf 370,228 e'QmfgL x'g aFfsL bfjL afkt Joj:yf 13,842 cGo Joj:yf 90,283

hDdf 631,554

v'b rfn' ;DklQ 1,783,251

ckn]vg jf ;dfof]hg x'g aFfsL ljljw vr{x? - gfkmf gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg -

s'n pkof]u 5,003,588

15

@)&$ >fj0f ! ut] b]lv @)&% cfiff9 d;fGt ;Ddsf] gfkmf gf]S;fg lx;fj

-?=xhf/df_

ljj/0f cf=j=

@)&$÷)&% cfo

cfo Joo lx;faaf6 ;f/]sf] gfkmf / -gf]S;fg_ 100,523 hLjg aLdf sf]ifaf6 ;f/]sf] 38,855 nufgL shf{ tyf cGoaf6 cfo 76,114 Joj:yf lkmtf{ 5,808 cGo cfDbfgL -

hDdf cfDbfgL 221,301

vr{

Joj:yfkg vr{ 32,196 ckn]vg vr{

647 z]o/ ;DaGwL vr{ 1,839 cGo vr{x? 381 gf]S;fgLsf] nflu Joj:yf 23,797 sd{rf/L cfjf; Joj:yf - sd{rf/L af]g; Joj:yf 16,244 ;dfof]lht cfosf/ clwsf] gfkmf 146,197 ;dfof]lht cfosf/ -c_ Ö -cf_ – -O_ (40,345) cf_ cfos/ - O_ :yug s/ ;DklQ ÷-bfloTj_ 40,345

hDdf vr{ 34,759 v"b gfkmf ÷ -gf]S;fg_ 186,542

16

@)&$ >fj0f ! ut] b]lv @)&% cfiff9 d;fGt ;Ddsf] s'n aLDff cfo Joo lx;fa

-?=xhf/df_

ljj/0f

cf=j=

@)&$÷)&%

Cfo

aLdf z'Ns -v"b_ 1,669,188 k'gaL{df sldzg cfo - nufgL, shf{ tyf cGoaf6 cfo 315,723 aLdfn]vsf] lwtf]df shf{af6 cfo 19,060 cGo k|ToIf cfo 1,862 cfly{s jif{÷q}dfl;s ;'?sf] e'QmfgL x'g aFfsL bfjL jfkt Joj:yf 502 cfly{s jif{÷q}dfl;s z'?sf] c;dfKt hf]lvd jfkt Joj:yf 306,021

hDdf cfo 2,312,358

Joo

bfaL e'QmfgL -v'b_ 169,449 clestf{ sldzg vr{ 199,049 :jf:Yo k/LIf0f z'''Ns 4,588 k'gaL{df sldzg vr{ - ;]jf z'Ns -v"b_ 16,692 cGo k|ToIf vr{ 1,845 Joj:yfkg vr{ 289,763 cfly{s jif{÷q}dfl;ssf] cGTodf e'QmfgL x'g aFfsL bfjL jfkt Joj:yf 13,842 cfly{s jif{÷q}dfl;ssf] cGTodf c;dfKt hf]lvd jfkt Joj:yf 370,228 hDdf Joo

1,065,455

hLag aLdf sf]ifdf ;f/]sf] art 1,146,380

gfkmf gf]S;fg lx;fjdf ;f/]sf] art /-gf]S;fg_ 100,523

y= ;+ul7t ;+:yfn] ug]{ elgPsf] sfddf lglxt ;Defljt hf]lvdx? M

s_ gofF aLdf sDkgLx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g ;Sg] hf]lvdx? .

v_ cGt/fli6«o ahf/sf] cfly{s dGbLn] k|ToIf c;/ aLdf nufgLsf] If]qdf kg{ ;Sg] ePsf]n] ;f]af6 x'g] hf]lvdx?

u_ b]zsf] /fhg}lts tyf cfly{s cj:yfdf cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx? .

3_ g]kfn ;/sf/n] jt{dfg aLdf ;]jf gLltdf k|efj kfg]{ u/L s'g} lg0f{o jf sfg"g nfu" u/] ;f] af6 sDkgLsf]

cfodf c;/ kg]{ hf]lvd .

ª_ k"FhL ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx? .

r_ sDkgLsf] nufgL v/fa eO{ x'g ;Sg] hf]lvdx? .

5_ b}lj k|sf]kaf6 kg]{ ;Sg] hf]lvdx? .

sDkgLn] c;dfKt hf]lvd tyf e'QmfgL ug{ afFsL bfjLx?nfO{ aLdf P]g tyf lgodfjnLdf ul/Psf] Joj:yf cg';f/sf]

hu]8f sf]ifsf] Joj:yf ul/Psf] 5 . o; jfx]ssf hf]lvdx?af6 l;h{gf x'g ;Sg] xfgL gf]S;fgLsf] nflu o; OG:of]/]G;

sDkgLsf] Joj:yfkg rgfvf] eO{ ;Defljt xfgL gf]S;fgL sd ug{ ;Ifd tyf k|lta4 /x]sf] 5 .

17

lwtf]kqsf] d"No kl/jt{g ;DaGwL hf]lvd M

lgisfzg ul/Psf] z]o/ d'No ?=!))/- k|lt z]o/sf b/n] ;"rLs/0f kZrft\ g]kfn :6s PS;r]Gh lnld6]8df x'g] sf/f]jf/

d"No ghgfpg] ePsf]n] z]o/ d"Nodf x'g;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .

;Defljt cfly{s hf]lvdx?nfO{ Go"gLs/0f ug{ Joj:yfkgn] lgDg pkfox? cjnDag ub}{ hfg]5 .

sDkgLn] Jofks ?kdf ljZJofkL cfly{s dGbL, qmozlQmdf x|f;, hLjg aLdf ;DaGwL ;j{;fwf/0fdf hgr]tgfsf] sdL,

ljBdfg /fhg}lts cl:y/tf, aLdf ahf/sf] k|lt:kwf{Tds l:ylt, phf{ ;+s6, s'n u|fx:y pTkfbgdf lg/Gt/ ?kdf sdL

cfpg', nufgLsf] ;'/Iffsf] Uof/]G6L gePsf]n] ljsf;sf] sfo{ 7Kk x'g' h:tf sf/0fx?n] ubf{ aLdfdf klg k|ToIf tyf ck|ToIf

?kn] c;/ kg{ ;Sg] x'gfn] tL ;DefjgfnfO{ b[li6ut u/L aLdf hf]lvdx? Go"gLs/0fsf nflu lb3{sfnLg k|efjsf/L

cfGtl/s lgoGq0f k|0ffnLnfO{ ;zlQms/0f ub}{ nfUg] gLlt /x]sf] 5 . ;fy} aLdf ;ldlt tyf cGo lgodgsf/L lgsfox?af6

a]nf a]nfdf kl/jt{g x'g] gLltaf6 sDkgLsf] sf/f]jf/df k|ToIf k|efj kg]{ ePsf]n] oL kl/jt{gx?nfO{ ;d]t cfTd;ft u/L

sDkgLn] cfˆgf] sf/f]jf/nfO{ cufl8 a9fpg] /0fgLlt lnPsf] 5 .

b= lwtf]kqsf] afF8kmfF6 ;DaGwL Joj:yf : s_ aLdf sDkgLn] ;fj{hlgs ?kdf cfˆgf] z]o/wgLx?nfO{ xsk|b z]o/ vl/b cfJxfg u/]sf] z]o/ laqmL aGb ePsf] ldltn]

g]kfn lwtf]kq af]8{sf] lgodfjnLn] tf]s] adf]lhd #) lbgleq z]o/x?sf] afF8kmfF6 u/L ;f] sf] ;"rgf /fli6«o :t/sf] b}lgs

klqsfdf k|sfzg ul/g]5 . o;/L afF8kmfF6 eP kZrft\ g]kfn lwtf]kq af]8{sf] lgb]{zg adf]lhd lgwf{l/t ;do cjlwleq

afF8kmfF6df k/]sf] z]o/wgLx?nfO{ xsk|b jfktsf] z]o/x? g]kfn :6s PS;r]Gh lnld6]8df ;"rLs/0f eP kZrft\ ;DalGwt

z]o/wgLx?n] pNn]v u/]sf] lxtu|fxL vftfdf g} hDdf ul/g] Joj:yf ldnfOg] 5 .

;fy} s'g} z]o/wgLn] cfkm'n] xsk|b cfwf/df vl/b ug{ kfpg] z]o/sf nflu cfj]bg ga'emfO{ jf cfˆgf] xs cg';f/sf]

z]o/eGbf sd z]o/sf nfuL dfq cfj]bg a'emfO{ z]o/ afFsL /x]sf] v08df o;/L afFsL /xg uPsf z]o/x?sf] ;DjGwdf

lwtf]kq btf{ tyf lgisf;g lgodfjnL, @)&# df ePsf] Joj:yf adf]lhd ul/g] 5 . s'g} z]o/wgLn] cfkm'n] xsk|b

cfwf/df vl/b ug{ kfpg]eGbf a9L z]o/sf nfuL b/vf:t lbPdf a9L z]o/ afF8kmfF6 ug{ o; OG:of]/]G; sDkgL afWo

x'g]5}g .

w= ;+ul7t ;+:yfsf] k|aGwkq, lgodfjnL, kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj,

n]vfk/LIf0f k|ltj]bg lg/LIf0f ug{ kfO{g] ;do / :yfg M

sfof{no ;do leq lgDglnlvt :yfgx?df sDkgLsf] k|jGwkq, lgodfjnL, kl5Nnf] aif{sf] n]vfk/LIf0f ePsf] jf;nft,

gfkmf—gf]S;fg lx;fa tyf n]vfk/LIf0f k|ltj]bg lg/LIf0f ug{ ;lsg] 5 .

s_ o; OG:of]/]G; sDkgLsf] s]Gb|Lo sfof{no Rff6{/ 6fj/, rf}+yf] tNnf, 1fg]Zj/, kf]=j=g+= !%!@!, sf7df08f}+ .

v_ lwtf]kq lgisfzg tyf laqmL k|aGws – Pg cfO{ ;L Plzof Soflk6n ln=, aa/dxn, sf7df08f} .

g= lgisfzg x'g] lwtf]kq k|Tofe"tL u/]sf] eP ;f]sf] ljj/0f M

;f] gePsf] .

k= lwtf]kq ;"lrs/0f u/fpg] ;DaGwL Joj:yf M

o; ljj/0f dfkm{t lgisfzg ul/g] xsk|b z]o/ ælwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$Æ sf] bkmf ^ df pNn]v

eP cg';f/ g]kfn lwtf]kq af]8{af6 lwtf]kq lgisfzgsf] nflu :jLs[t ePsf] & -;ft_ sfo{ lbg leq lwtf]kq ;"rLs/0f /

cef}ltsLs/0fsf nflu g]kfn :6s PS;r]Gh ln= tyf l;l8P; P08 lSnol/Ë ln= df lgj]bg lbOg]5 .

km= sDkgLsf] sf/f]jf/df c;/ kg]{ s'g} ljjfb÷d'2f dfldnf eP ;f] sf] ljj/0f M

xfn ;Dd sDkgLsf] sf/f]jf/df c;/ kg]{ s'g} ljjfb÷d'2f dfldnf gePsf] .

a= lwtf]kq vl/b ug{ rfxg] z]o/wgLx?n] kfngf ug'{kg]{ d'Vo s'/fx? M

s_ xsk|b z]o/ vl/b ug{sf nflu ;fljs z]o/wgLx?n] cfj]bg lb+bf o; xsk|b lgisfzg k|of]hgsf] nflu xsk|b

lgisfzg k"j{ o; sDkgLn] ;fj{hlgs ;"rgf dfkm{t z]o/sf] btf{ lstfa jGb ug]{ ldlteGbf cl3Nnf] lbg;Dd

sfod ePsf z]o/wgLx?n] cfˆgf] gfddf btf{ /x]sf] z]o/sf] !) M & sf] cg'kftdf -cyf{t ljBdfg bz lsQf

z]o/ a/fa/ gofF ;ft lsQf_ z]o/ vl/bsf nflu b/vf:t lbg ;Sg]5g\ .

v_ k|To]s z]o/wgLn] xsk|b lgisfzgsf nflu b/vf:t lb+bf sDkgLåf/f tf]lsPsf] lglb{i6 9fFrfdf cfˆgf]

z]o/wgL÷lxtu|fxL vftf gDa/, xfn sfod /x]sf] z]o/ ;+Vof, z]o/ k|df0f kq gDa/, cfkm'n] vl/b ug{ kfpg]

cyjf dfu u/]sf] xsk|b z]o/ ;+Vof / ;f] a/fa/sf] /sd ;d]t v'nfO{ l/tk"j{s tf]lsP adf]lhdsf] 9fFrfdf

cfj]bg lbg'kg]{5 .

u_ xsk|b z]o/ vl/bsf nflu b/vf:t lbFbf b]xfosf s'/fx?df ljif]z Wofg lbO{ :ki6;+u cfj]bg kmf/d e/L

a'emfpg' kg]{5 M

-s_ cfj]bssf] k'/f gfd y/ g]kfnL tyf cu|]hLdf,

18

-v_ cfj]bssf] afa', afh] tyf cfdfsf] gfd y/,

-u_ cfj]bs ljjflxt ePdf >Ldfg tyf >LdtLsf] gfd y/,

-3_ cfj]bssf] :yfoL, c:yfoL 7]ufgf tyf 6]lnkmf]g jf df]jfOn gDa/,

-ª_ cfj]bssf] lxtu|fxL vftf gDa/ nufotsf ljj/0fx? .

3_ xsk|b z]o/ vl/bsf nflu cfj]bg lb+bf cfkm"n] lng rfx]sf] z]o/ ;+Vof afkt k|lt z]o/ ?=!))/- sf b/n] x'g]

Psd'i6 /sd tf]lsPsf] ;+sng s]Gb| jf lgisfzg a}+ssf] vftfdf hDdf u/L ;f] sf] ;Ssn a}+s ef}r/ ;d]t

;+nUg u/L cfj]bg lbg' kg]{5 .

ª_ Ps} z]o/wgLsf] ef}lts tyf cef}lts -l8Dof6_ ¿kdf /x]sf] z]o/ cg';f/ xsk|b z]o/ ebf{ nufgLstf{sf] z]o/

ef}lts tyf cef}lts -l8Dof6_ h'g ¿kdf sfod /x]sf] ePtfklg Pp6} dfq cfj]bg kmf/fd dfkm{t b/vf:t lbg'

kg]{5 . t/ o;/L b/vf:t lb+bf b/vf:t kmf/fdsf] dfly ef}lts tyf cef}lts -l8Dof6_ ePsf] s'/f pNn]v u/]sf]

x'g' kg]{5 .

r_ ;+o'Qm gfddf /x]sf] ;fljs z]o/wgLx?n] b/vf:t lb+bf ;+o'Qm ?kdf g} xsk|b z]o/ vl/bsf nflu b/vf:t lbg'

kg]{5 .

5_ æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ df pNn]v ul/P adf]lhd tf]lsPsf] Dofbleq b/vf:t

glbg] tyf b/vf:t lbP klg dfu ul/P adf]lhd tf]lsPsf] /sd ga'emfpg] z]o/wgLx?nfO{ z]o/ afF8kmfF6df

;dfj]z ul/g] 5}g / ;f]df s;}sf] s'g} klg k|sf/sf] bfaL lj/f]w nfUg] 5}g .

h_ o; xsk|b z]o/ lgisfzg ;DaGwL s'g} ljjfb ePdf jf pmh'/L k/]df ;f]sf] lgjf/0fsf nflu o; sDkgLsf]]

;+rfns ;ldltn] u/]sf] lg0f{o g} clGtd x'g]5 .

em_ xsk|b z]o/ afF8kmfF6 ubf{ h'g ;d"xsf] z]o/wgL xf] ;f]xL ;d"xsf] z]o/sf] cg'kftdf afF8kmfF6 ul/g]5 .

`_ o; xsk|b z]o/ lgisfzg k|of]hgsf nflu z]o/wgL btf{ k'l:tsf aGb ug]{ ldlteGbf cl3Nnf] lbg;Dd sfod

z]o/wgLx?n] dfq o; xsk|b lgisfzgdf b/vf:t lbg ;Sg]5g\ . z]o/wgL btf{ k'l:tsf aGb eP kZrft\ z]o/

vl/b ug]{ z]o/wgLx? o; xsk|b lgisfzgsf nflu cfj]bg lbg of]Uo x'g] 5}gg\ .

6_ xsk|b z]o/sf] ljt/0f g]kfn :6s PS;r]Gh lnld6]8 tyf l;l8P; P08 lSnol/Ë lnld6]8df ;"lrs/0f kZrft\

;f]em} lxtu|fxL vftfdf hDdf x'g] ul/ ljt/0f ul/g] x'Fbf ;Dk"0f{ z]o/wgLx?n] xsk|b cfj]bg kmf/ddf cfˆgf]

lxtu|xL vftf gDa/ clgjfo{ ?kdf /fVg' kg]{5 .

e= cfˆgf] xs cGo JolQmnfO{ x:tfGt/0f ug]{ u/L dgf]gog u/]sf] cj:yfdf kfngf ug'{kg]{ s'/fx? M

cfˆgf] xs cGo JolQmnfO{ x:tfGt/0f ug]{ ul/ dgf]gog ubf{ ;+:yfks z]o/wgLx?sf] xsdf o; OG:of]/]G; sDkgLsf]

s]Gb|Lo sfof{no Rff6{/ 6fj/, rf}+yf] tNnf, 1fg]Zj/, kf]=j=g+= !%!@!, sf7df08f} g]kfn / ;j{;fwf/0f z]o/wgLx?n] o;

OG:of]/]G; jf lgisfzg tyf laqmL k|aGws >L Pg cfO{ ;L Plzof Soflk6n lnld6]8, aa/dxn, sf7df08f}df ;Dks{

/flv cfkm'n] k|fKt u/]sf] xsk|b z]o/ vl/b ug{ kfpg] ;Dk"0f{ jf cf+lzs xs lwtf]kq btf{ tyf lgisfzg lgodfjnL,

@)&# df ePsf] Joj:yf cg';f/ pQm lgodfjnLsf] cg';"rL !! adf]lhdsf] 9fFrfdf b/vf:t lbO{ cGo JolQm jf

;+:yfnfO{ x:tfGt/0f ug{ ;lsg] 5 . ;f] sf] nflu lgDgfg';f/sf] Joj:yf kfngf ug'{ kg]{ 5 .

s_ s'g} klg JolQmn] cfˆgf] ;Dk"0f{÷cf+lzs xs s'g} Ps JolQmnfO{ dfq k|of]u ug]{ u/L lbg ;Sg] 5 .

v_ dgf]gog e} z]o/sf] nflu cfj]bg ubf{ lwtf]kq ahf/sf] sf/f]af/ OsfO{ cg';f/ ug'{kg]{5 .

u_ xsk|b z]o/ vl/b ug]{ xs c?nfO{ dgf]lgt ug]{ z]o/jfnfx?n] c? z]o/jfnfsf] xs lnO{ dgf]lgt x'g kfOg] 5}g, t/ cfˆgf]

k'/} xs pkof]u ug]{n] eg] c?sf] xs ;d]t dgf]lgtsf] ?kdf lng ;Sg]5 .

3_ sDkgLsf] k|aGwkq, lgodfjnLdf ePsf] Joj:yf tyf ;DalGwt lgodgstf{n] :jfldTj ;Ldf tf]s]sf] cj:yfdf klxn] lnPsf]

jf xsk|b kl5 u|x0f ug]{ z]o/ ;d]tsf] s"n z]o/ ;+Vof ;f] ;Ldf ggfUg] u/L dfq dgf]lgt x'g]n] z]o/sf nflu cfj]bg ug{

;lsg]5 .

ª_ ;+:yfks ;d"xsf] z]o/ xs x:tfGt/0f ubf{ k|rlnt sfg"gsf] clwgdf /lx ;+:yfks ;d"xsf] z]o/ ;+:yfks / ;j{;fwf/0f

;d"xsf] z]o/ ;j{;fwf/0f ;d"xd} /xg] ul/ dfq x:tfGt/0f ug{ ;lsg]5 . xs x:tfGt/0f ubf{ sDkgLsf] k"FhL ;+/rgf tyf

;+rfns ;ldltdf s'g} kl/jt{g x'g] 5}g . k|To]s z]o/wgLx?sf] Ps z]o/ a/fa/ Ps dt x'g]5 .

r_ ;+rfns jf cfwf/e"t z]o/wgLx?n] cfˆgf] xs x:tfGt/0f ug]{ ePdf o; OG:of]/]G; sDkgLn] tf]s]sf] ;dofjlw leq xs

x:tfGt/0f ul/ lgisfzg a}+ssf] vftfdf pQm xsk|b z]o/ jfktsf] /sd hDdf ug'{kg]{5 .

5_ k|:tfljt ;+:yfks ;]o/wgLx?n] cfˆgf] nufgLsf] ;|f]t v'Ng] sfuhftsf ;fy} kl5Nnf] cfly{s jif{sf] s/ r'Qmf k|df0fkq jf

s/ bflvnf u/]sf] lg:;f ;d]t k]z ug'{ kg]{5 .

h_ k|rlnt sfg"g adf]lhd dgf]gog x'g] JolQm jf ;+:yf sfnf] ;"rLdf g/x]sf] tyf cof]Uo gePsf] tyf k|rlnt sfg"g

adf]lhd To:tf] ;+:yfsf] z]o/ vl/b ug{ cof]Uo gePsf] x'g'kg]{ .

em_ xsk|b z]o/ ;DaGwL xs x:tfGt/0f xsk|b z]o/ ljqmL v'Nnf ePsf] cjlwleq ug]{ ul/ dgf]gog ePsf] x'g' kg]{ .

`_ xs x:tfGt/0fsf] nflu lgj]bg lb+bf lgj]bgsf ;fy xs x:tfGt/0f u/L lnOg] xsk|b z]o/sf] r'Qmf /sdsf] ! k|ltzt

/sdn] x'g cfpg] /sd dgf]gog ul/lbg] z]o/wgLn] a'emfPsf] z'Ns ;d]t ;dfj]z ug'{ kg]{5 .

6_ s'g} klg z]o/wgLx?sf] z]o/ a}+s tyf ljlQo ;+:yf jf cGo lgsfoaf6 /f]Ssf /x]sf] ;DaGwdf xs x:tfGt/0fsf] nflu

lgj]bg k]z ubf{sf avt /f]Ssf ug]{ ;DalGwt a}s tyf ljQLo ;+:yf jf lgsfosf] :jLs[lt kq clgjfo{ ?kdf k]z ug'{ kg]{5

.

19

;fy} pk/f]Qm Joj:yfsf] cnfjf ;+:yfks tyf cGo z]o/wgLx?n] lgDgfg';f/sf yk k|rlnt Joj:yfx? ;d]t kfngf

ug'{kg]{5 .

-s_ r'Qmf k"FhLsf] ! k|ltzt jf ;f]eGbf sd z]o/ lnPsf ;+:yfks z]o/wgLsf] xsdf OG:of]/]G; sDkgL tyf lgofds

lgsfon] tf]s]sf] b]xfosf] zt{x?sf] clwgdf /lx xs x:tfGt/0f ug{ ;lsg]5 eg] ! k|ltzt eGbf dfly z]o/ :jfldTj

ePsfsf] xsdf aLdf ;ldltsf] k"j{ :jLs[lt lnP/ dfq xs x:tfGt/0f ug{ ;Sg]5 .

v_ ;+:yfks÷;+:yfks ;d"xsf xsk|b z]o/sf] xs x:tfGt/0f cfˆg} ;d"x÷pk;d"xsf ;+:yfksnfO{ klxnf] k|fyldstf

lbg'kg]{5 . o;/L xs x:tfGt/0f ubf{ cfˆgf] ;d"x÷pk;d"xdf z]o/sf] xs x:tfGt/0f x'g g;s]sf] cj:yfdf ljBdfg

cGo ;+:yfksx?nfO{ bf];|f] k|fyldstf lbO{ xs x:tfGt/0f ug{ ;lsg] . xsk|b z]o/sf] xs x:tfGt/0f ljBdfg

;+:yfksx?aLrdf g} x'g] aLdf ;ldltlaf6 hf/L lgb]{zg cGtu{t /xL nufgLsf] ;|f]t / s/ r'Qmf tyf cfjZos

sfuhftx? x]/L ;DalGwt OG:of]/]G; sDkgLn] g} xs x:tfGt/0f ug{;Sg]5 .

u_ dfly -v_ adf]lhd ;+:yfks ;d"xdf z]o/sf] xs x:tfGt/0f x'g g;Sg] cj:yfdf dfq cGo JolQm jf ;+:yfnfO{ h'g

;d"x÷pk;d"xaf6 z]o/sf] xs x:tfGt/0f u/L lnPsf] xf] ;f]xL ;d"x÷pk;d"xdf /flvg]5 . ;f] cj:yfdf k|:tfljt

;+:yfks z]o/wgLn] aLdf ;ldltaf6 hf/L lgb]{zg cg';f/ ;+:yfks z]o/wgLsf nflu tf]lsPsf] of]Uotf k"/f u/]sf]

x'g'kg]{ . ;f] sf cltl/Qm k|:tfljt ;+:yfks z]o/wgL shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf k/]sf] x'g' gx'g] / ;f] k|:tfljt

;+:yfks z]o/wgLn] cfˆgf] nufgLsf] ;|f]t v'Ng] sfuhftsf ;fy} s/ r'Qmf k|df0fkq /÷jf s/ bflvnf u/]sf] lg:;f

;d]t k]z u/]sf] x'g'kg]{ .

3_ dfly a'Fbf g+= -v_ adf]lhd ;+:yfks÷;+:yfks ;d"xsf] xsk|b z]o/sf] xs x:tfGt/0f cfˆg} ;d"x÷pk;d"xsf

;+:yfksnfO{ klxnf] k|fyldstf lbFbf b]xfo adf]lhdsf] k|lqmof ckgfpg 'kg]{5 . xsk|b z]o/sf] xs x:tfGt/0f ug{

rfxg] z]o/wgLn] laqmL d"No tf]sL xs x:tfGt/0f ug{ rfx]sf] lgj]bg o; OG:of]/]G; sDkgLdf k]z ug'{kg]{5 . o;/L

lgj]bg k]z u/]kl5 & lbgsf] ;do tf]sL OG:of]/]G; sDkgLn] klxnf] k|fyldstfdf k/]sf z]o/wgLnfO{ ;"rgf lbg'kg]{5 .

o;/L klxnf] k|fyldstfdf k/]sf z]o/wgL]n] & lbgleq ;f] d"Nodf xs lng grfx]df cGo ;+:yfksnfO{ sDkgLn]

;"rgf lbg'kg]{5 . tTkZrft cGo ;+:yfksnfO{ bf];|f] k|fyldstf lbO{ xs x:tfGt/0f ug{ ;lsg]5 .

ª_ pk/f]Qm Joj:yfdf h'g;'s} s'/f n]lvPsf] ePtfklg OG:of]/]G; sDkgLsf] ;~rfns, sfo{sf/L k|d'v, n]vfk/LIfs, ;lrj

jf OG:of]/]G; sDkgLsf] Joj:yfkg tyf n]vf ;DaGwL sfo{df k|ToIf ?kn] ;+nUg JolQmn] To:tf] kbdf afxfn /xFbfsf]

avt jf To:tf] kb 5f8]sf] Ps jif{;Dd o; OG:of]/]G; sDkgL jf o;sf] ;xfos sDkgLsf] xsk|b z]o/ cGo s'g}

JolQm jf ;+:yfnfO{ xs x:tfGt/0f ul/lbg jf cGo s'g} JolQm jf ;+:yfaf6 xs x:tfGt/0f :jLsf/ ul/lng gkfO{g] .

d= ;+ul7t ;+:yfsf] n]vfk/LIfs, sDkgL ;lrj, ljQLo ljj/0f k|If]k0f ug]{ ljz]if1, k|If]lkt ljj/0fsf] k|If]k0f÷cg'dfgsf] cfwf/ tyf

tl/sfaf/] k'g/fjnf]sg u/L ;Gt'i6 ePsf] /fo JoQm ug]{ ljz]if1, æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ tof/ ug]{

ljz]if1 tyf lgisfzg tyf laqmL k|aGwssf] gfd, 7]ufgf pNn]v ug'{kg]{ M

s_ sDkgLsf] n]vfk/LIfsdf lk=Pn >]i7 P08 sDkgL rf6{8{ Psfp06]06; x'g'x'G5 . pxfF cfly{s jif{ @)&%÷)&^ sf] nflu

n]vfkl/If0f sfo{ ug{sf] nflu lgo'Qm x'g'ePsf] 5 .

v_ sDkgLsf] sDkgL ;lrjdf PnPnaL, PdaLP ;Ddsf] z}lIfs of]Uotfsf ;fy} aLdf If]qdf @ jif{sf] cg'ej xfl;n ug{' ePsf

>L /fh' /fhrn x'g'x'G5 . u_ sDkgLsf] ljQLo ljj/0f k|If]k0f ljut aif{sf] sf/f]jf/sf] cfwf/df sDkgL cfkm}n] tof/ u/]sf] xf] / pQm k|If]lkt ljQLo

ljj/0fx? k'g/fjnf]sg u/L oyfy{ k/s ePsf] Joxf]/f ;lxtsf] /fo JoQm ug]{ ljz]if1df /ZdL hL= P08 P;f]l;P6\;, rf6{8{

Psfp06]06sf >L /ZdL lu/L Ho" x'g'x'G5 .

3_ of] æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ Joj;flos ;+:yf Pg cfO{ ;L Plzof SofkL6n lnld6]8

sf7df08f}n] tof/ u/]sf] xf] .

ª_ o; xsk|b z]o/ lgisfzgsf nflu lwtf]kq lgisfzg tyf ljqmL k|aGwsdf g]kfn lwtf]kq af]8{af6 lgisfzg tyf laqmL

k|aGwssf] k|df0fkq k|fKt lwtf]kq Joj;foL Pg cfO{ ;L Plzof SofkL6n lnld6]8, sf7df08f} /x]sf] 5 .

o= xsk|b z]o/ hf/L ug'{sf] p2]Zo M

s_ sDkgLsf] k"FhLut of]hgf adf]lhdsf] k"FhL k'/\ofpg] p2]Zo cg'?k ldlt @)&^÷)#÷!! ut] ;DkGg P3f/f}+ aflif{s

;fwf/0f ;efaf6 bz z]o/ a/fa/ ;ft z]o/ -!) M &_ sf] cg'kftdf xsk|b z]o/ hf/L u/L k"FhL j[l4 ug]{ lg0f{o

u/]sf]n] ;f]xL adf]lhd k"FhL ;+sng ug{ .

v_ k"FhL a[l4 u/L sDkgLsf] k|lt:kwf{Tds Ifdtfsf] ljsf; ug{ / bfloTj lgjf{x ug{ cem ;Ifd x'g .

u_ ljBdfg aLdf sDkgLsf] k|lt:kwf{Tds Ifdtf clea[l4 u/L efjL r'gf}ltx?sf] ;fdgf ug{ .

3_ bLuf] Joj;flos ;+/rgf lgdf{0f nufot aLdf ;ldltn] tf]s]sf] gfkmfd'ns k"FhLut If]qdf plrt nufgL ug{ .

ª_ k"FhLut ;+/rgfdf a[l4 x'gsf ;fy} nufgL Ifdtfdf ;d]t a[l4 u/L ljQLo l:ylt c? dha't ug{ .

r_ sDkgLsf] k"FhLut Ifdtf ;'b[9 ug{ .

5_ sDkgLsf] k|aGwkq tyf lgodfjnLdf pNn]v ePsf p2]Zox? cg'?k ug'{ kg]{ sfo{x?sf] nflu cfjZos k"FhL ;+sng ug{ .

h_ sDkgLn] cfkm\gf] ;]jf lj:tf/ ug{] qmddf nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwx?nfO{ lj:tf/ ug{ cfjZos kg]{

k"FhLsf] Joj:yf ug{ .

em_ aLdf ;ldltsf] lgb]{zg adf]lhd sDkgLsf] hf/L tyf r'Qmf k"+hL @)) s/f]8 k'¥ofpg .

20

xsk|b lgisfzgaf6 k|fKt x'g] s"n /sd ;DaGwdf ljQLo ?kdf :ki6 v'n]sf] pkof]u of]hgf ;lxtsf] ljj/0f M

xsk|b z]o/ lgisfzgaf6 k|fKt x'g] /sd aLdf ;ldltåf/f hf/L “aLdssf] nufgL lgb]{lzsf, @)&%” sf] clwgdf /xL cfjZos If]qdf

nufgL ul/g] 5 .

ljj/0f /sd -?=_

laleGg a}+s÷ljQLo ;+:yfx?df d'2tL lgIf]k nufot >L aLdf ;ldltaf6 l:js[t If]qx?df .

;ldltaf6 l:js[t If]qx? lgDg k|sf/ 5g\ .

**,&$,)(,^))

g]kfn ;/sf/ jf g]kfn /fi6 a}+ssf] jrtkq jf C0fkq

Jfl0f~o a}+s÷g]kfn k'af{wf/ a}+s lnld6]8sf] d'4tL lgIf]k

3/hUuf Joj;fo

;'lrs[t klAns lnld6]8 sDkgLsf] ;fwf/0f z]o/

ljlQo ;+:yfsf] cu|flwsf/ z]o/ / C0fkq

;'lrs[t klAns lnld6]8 sDkgLsf] ;'/lIft l8j]Gr/

k"jf{wf/df C0f jf k"FhL nufgL

Gful/s nufgL sf]if tyf Do'r'cn km08sf nufgL of]hgf

ljsf; a}+ssf] d'4tL lgIf]k

ljQLo sDkgLsf] d'4tL lgIf]k

/= xsk|b z]o/ laqmL v'Nnf cjlw M

o; xsk|b z]o/sf] nflu b/vf:t lng] sfo{ sDtLdf #% -k}+lt;_ lbgsf nflu v'Nnf /flvg]5 . ;f] ;dofjlwleq ;Dk"0f{ xsk|b z]o/sf]

nflu cfj]bg gk/]df “lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#” sf] lgod !* adf]lhd g]kfn lwtf]kq af]8{nfO{ clu|d hfgsf/L

lbO{ lgisfzgstf{ OG:of]/]G; sDkgLn] ;"rgf k|sfzg u/L a9Ldf !% -kGw|_ lbgsf nflu lwtf]kqsf] b/vf:t v'Nnf /fVg ;lsg]5 .

o; xsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx? dfkm{t lgisfzg ul/g] xsk|b z]o/sf] nflu b/vf:t lbg] Dofb xsk|b

z]o/ lgisfzg tyf ljqmL v'Nnf cjlw “lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#” sf] lgod !* adf]lhd laqmL v'Nnf ePsf]

ldltn] slDtdf #% lbg x'g]5 . ;f] ;dofjlwleq ;Dk"0f{ xsk|b z]o/sf nflu cfj]bg gk/]df g]kfn lwtf]kq af]8{sf] k|rlnt

lgb]{lzsfsf] clwgdf /xL sDkgLsf] ;+rfns ;ldltn] a9Ldf yk !% -kGw|_ lbg;Ddsf nflu xsk|b z]o/sf] laqmL v'Nnf cjlw yk

ug{ ;lsg]5 .

n= xsk|b z]o/ v/Lbsf nflu b/vf:t kfOg], /sd hDdf ug]{ / cfj]bg a'emfpg] :yfgx?sf ;fy} xsk|b z]o/ v/Lbsf] nflu tof/

ul/Psf] æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ k|fKt ug{ jf x]g{ ;Sg] :yfgx? M

qm+ =;+= :yfgx?

!= Pg cfO{ ;L Plzof Soflk6n lnld6]8, aa/dxn, sf7df08f} .

@= ;L cf:jf ;b:o a}s tyf ljQLo ;+:yf / ltgsf zfvf sfof{nox? .

;"of{ nfO{km OG:of]/]G; sDkgL lnld6]8 M

sf7df08f} pkTosf aflx/ M != lj/u+h zfvf, 306f3/ k;f{

@= Gff/fo0f3f6 zfvf, kf]v/f j;kfs{, lrtjg

#= lj/f6gu/ zfvf, d]g /f]8, df]/ª

$= w/fg zfvf, Efg' rf]]s, ;'g;/L

%= a'6jn zfvf, 6«flkms rf]s, a'6jn

^= kf]]v/f zfvf, ;efu[x rf]s

&= ;'v]{t zfvf, g]tf rf]s, ;'[v{]t

*= Dfx]Gb|gu/ zfvf, $ g+ uNnL, dx]Gb|gu/

z]o/wgLx?n] xsk|b z]o/sf] b/v:t kmf/d lgisfzg stf{ sDkgL >L ;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] j]a;fO6 www.

http://suryalife.com tyf lgisfzg tyf laqmL k|aGws >L Pg cfO{ ;L Plzof Soflk6n lnld6]8sf] j]a;fO6

www.nicasiacapital.com dfkm{t 8fpgnf]8 u/L e/]/ ;d]t a'emfpg ;lsg] 5 .

pk/f]Qm :yfgx?sf] cnfjf cGo dfWod dfkm{t b/vf:t lbg rfxg] ;fljs z]o/wgLx?n] xsk|b z]o/sf] ljqmL aGb x'g'eGbf cl3sf]

ldltdf >L Pg cfO{ ;L Plzof Soflk6n lnld6]8sf] gfddf lvlrPsf] Psfp06 k]oL 8«fˆ6 tyf xsk|b z]o/ vl/bsf nflu b/vf:t

kmf/d l;w} x'nfs jf s'l/o/åf/f >L Pg cfO{ ;L Plzof Soflk6n lnld6]8, aa/dxn, sf7df08f}df k7fpg ;lsg]5 . xsk|b z]o/sf]

ljqmL aGb ePsf] ldltn] & -;ft_ lbgkl5 k|fKt 8«fkm\6 / cfj]bg kmf/fdnfO{ z]o/ afF8kmfF6df ;dfj]z ul/g] 5}g .

;fy} z]o/wgLx?n] cfkm\gf] xs ;DaGwL ljj/0f lgisfzgstf{ sDkgL >L ;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] j]a;fO6 www. http://suryalife.com tyf lgisfzg tyf laqmL k|aGws >L Pg cfO{ ;L Plzof Soflk6n lnld6]8sf] j]a;fO6

www.nicasiacapital.com af6 x]g{ ;lsg]5 .

21

lgisfzg a}+s -Banker to the Issue_ sf] gfd tyf 7]ufgf M

o; “xsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ dfkm{t lgisflzt xsk|b z]o/x?sf] nflu lgDgfg';f/sf lgisfzg a}+s

(Bankers to the Issue) x?nfO{ lgisfzg a}+s tf]lsPsf] 5 .

qm=;+= lgisfzg a}+ssf] gfd vftf gDa/

!= >L Pg cfO{ ;L Plzof a}+s lnld6]8, yfkfynL, sf7df08f} . %$$!$$%!)@%%@$)^

@= >L l;len a}+s lnld6]8, sdnfbL, sf7df08f}+ . ))@!)!#(&^#)@&

#= >L ;]~r'/L sdl;{on a}+s lnld6]8, k'tnL;8s, sf7df08f}+ . ))!)))#$$$ CA

btf{ ug]{ lwtf]kq ;DaGwL ljj/0f

lwtf]kqsf] qmd ;+Vof !@^&&@*) b]lv @!%%!#&^ ;Dd -:jfldTj ;d"xs[t u/]sf] ePdf_ ;+:yfks z]o/wgLx? !@^&&@*) b]lv !***(!$& ;Dd hDdf ^@,!!,*^&=@ lsQf

;j{;fwf/0f z]o/wgLx?

-sd{rf/Lx? ;lxt_ !***(!$& b]lv @!%%!#&^ ;Dd hDdf @^,^@,@@*=* lsQf

hDdf **,&$,)(^ lsQf

j= cfˆgf] Joj;fo;+u ;DjlGwt P]g, lgod, sDkgL P]g tyf cGo lgodg lgsfon] lbPsf] lgb]{zgx?sf] k"0f{ kfngf u/]sf] ;DaGwdf

pb\3f]if0f M

sDkgLn] cfkm"n] ug]{ Joj;fo;Fu ;DalGwt aLdf P]g, @)$(, k|rlnt lgod, sDkgL P]g, @)^# tyf cGo lgodg lgsfon] lbPsf]

lgb]{zgx?sf] k"0f{ ?kdf kfngf u/]sf] 5 / ;f]xL lgb]{zgx?sf] bfo/f leq /xL sfo{ ul//x]sf] af/]sf] pb\3f]if0f sDkgLsf] /x]sf] 5 . ;fy}

sDkgL P]g, @)^# / cGo k|rlnt P]g, lgod adf]lhd sDkgLsf ;+rfnsx? sfnf] ;"rLdf g/x]sf] / ;+:yfks z]o/wgLx? ;+:yfks

x'gsf] nflu cof]Uo g/x]sf] sDkgLsf] pb\3f]if0f /x]sf] 5 . o; "xsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?" df pNn]v

ul/Psf] ljj/0fx? ;d]t ;f]xL cg'?k tof/ ul/Psf] xf] . ;fy} o; OG:of]/]G; sDkgLn] sDkgL P]g adf]lhd sDkgL /lhi6«f/

sfof{nodf a'emfpg'kg{] ;Dk"0f{ ljj/0f xfn;Dd a'emfPsf] / cfly{s jif{ @)&#÷&$ ;Dd sDkgL cBfjlws /x]sf] 5 .

qm]l86 /]l6Ë ;DaGwL Joj:yf M

o; ljj/0fkq cg';f/ ;fljssf z]o/wgLx?nfO{ lgisfzg ug{ nfluPsf] xsk|b z]o/sf] nflu æqm]l86 /]l6Ë lgodfjnL,

@)^*Æ sf] lgod # df ePsf] Joj:yf adf]lhd g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt qm]l86 /]l6Ë ;+:yf s]o/ g]kfn ln=,

hdn, sf7df08f}af6 qm]l86 /]l6Ë u/fO{ ldlt @)&^ ;fn h]i7 @( ut] “[CARE-NP] IPO Grade 4” k|df0fkq k|fKt

u/]sf] 5 . s]o/ /]l6Ë g]kfnn] ! b]lv % KjfOG6 ;Dd u|]l8Ë k|bfg ub{5 . h;df u|]8 ! n] alnof] cfwf/ hgfpF5 eg] u|]8 %

n] sdhf]/ cfwf/x? hgfpF5 . “[CARE-NP]IPO Grade 4” n] cf};t eGbf tn (Below Average Fundamental) cfwf/x? hgfpF5 . u|]8 @, # / $ df k|of]u ul/g] (Plus) lrGxn] o; ;d"xsf t'ngfTds ;sf/fTds

l:yltnfO{ hgfpF5 .

z= kl5Nnf] # aif{sf] jflif{s tyf kl5Nnf] # dlxgfsf] dfl;s sf/f]jf/sf] clwstd, Go"gtd, clGtd ahf/ d"Nosf ;fy} sf/f]jf/ ePsf]

;+Vof ;DaGwL ljj/0f M

o; sDkgLsf] ljut tLg cfly{s jif{ -@)&#÷&$, @)&$÷)&% / @)&%÷)&^_ sf] z]o/ sf/f]jf/sf] ljj/0f: cfly{s

aif{

clwstd z]o/ d"No

-?=_

Go'gtd z]o/ d"No

-?=_

clGtd z]o/ d"No

-?=_

z]o/ sf/f]jf/

;+Vof -xhf/df_

@)&#÷)&$ !,$)^ (** !)&) $)*=$)!

@)&$÷)&% !,#@@ %$& ^)) (@&=*&

@)&%÷)&^ ^!( $@% $%^ !@@^=!!

cfly{s jif{ @)&%÷)&^ sf] kl5Nnf] # dlxgfdf ePsf] z]o/ sf/f]jf/sf] ljj/0f

dlxgf

clwstd z]o/ d"No -?_

Go'gtd z]o/ d"No -?_

clGtd z]o/ d"No -?_

z]o/ sf/f]af/ ;+Vof -xhf/df_

a}zfv 585 527 609 264=859

h]i7 609 460 460 168=38

cfiff9 492 444 450 40=12

gf]6 M o; sDkgLsf] z]o/sf] cBfjlws ahf/ d"No g]kfn :6s Ps:r]Gh lnld6]8n] k|sflzt ug]{ ahf/ d"No ;"rL dfkm{t k|fKt

ug{ ;lsg] 5 .

22

cGo ljj/0f M

-s_ lwtf]kq l;l8P;df btf{ ug]{ ;DjGwdf M

g]kfn lwtf]kq af]8{df btf{ ePsf] lwtf]kq ;fljs z]o/wgLx?df lgisfzg eO{ afF8kmfF6 eP kZrft l;l8P;df btf{

u/fO{ lwtf]kq cef}lts ?kdf pknAw u/fO{ lwtf]kqsf] sf/f]jf/ tyf /fkm;fkmsf] sf/jfxL cufl8 a9fpg] Joj:yf

ldnfOg] 5 .

-v_ lwtf]kq lgisfzgsf] qmddf af]8{af6 :jLs[t ePsf] ljj/0f nufgLstf{x?n] ;xh ?kdf x]g{ ;Sg] / pgLx?nfO{

;"lrt lg0f{o -Informed Decision_ df k'Ug ;xh ug]{ p2]Zon] To:tf ljj/0fx? lgisfzg tyf laqmL k|aGwssf]

website:www.nicasiacapital.com tyf lgisfzgstf{ OG:of]/]G; sDkgLsf] website:

www.suryalife.com df /fVg] Joj:yf ldnfOg]5 .

-u_ lwtf]kq af]8{af6 :jLs[t ePsf] ljj/0f ;fj{hlgs lgisfzgsf] nflu k|sfzg ug'{ @ lbg cufl8 ;f] sf] Ps k|lt -

Soft Copy_ af]8{sf] j]e;fO6df /fVg] k|of]hgsf] nflu pknAw u/fpg] Joj:yf ldnfOg] 5 .

if= o; æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ df pNn]v ePsf] ljj/0fx? tYo k"0f{ 5g, ;f] df s'g} km/s k/]df

xfdL ;+rfnsx? k"0f{ ?kdf lhDd]jf/ x'g]5f}+ egL ;xL 5fk ug]{ ;+rfnsx?sf] gfd, b:tvt M

qm=;+= ;+rfnsx?sf] gfd kb b:tvt

! >L s]zj k|;fb e§/fO{

cWoIf

@ >L ljzfn cu|jfn

;+rfns

# >L x]dGt gfxf6f

;+rfns

$ >L 8f= lagf]b cfq]o

;+rfns

% >L u+uf k|;fb zdf{

;+rfns

^ >L s[lt l6j8]jfn -v]tfg_

;+rfns

& >L aL/]Gb| afa' >]i7

;+rfns

;= lgisfzg tyf laqmL k|aGwssf] pb3f]if0f M

xfdLnfO{ lgisfzgstf{ ;+ul7t ;+:yf tyf o;sf ;+:yfks÷;+rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf] cfwf/df o;

;+:yfsf] Joj:yfklso, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf] ;fy} æxsk|b z]o/ lgisfzg ;DaGwL

Joj:yf tyf ljj/0fx?Æ df n]lvPsf cfly{s ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;lx b]lvPsf]n] nufgLstf{x?nfO{ nufgL

;DaGwL lg0f{o lng d2t k'Ug] s'/f k|lt ljZj:t eO{ xfdLn] of] æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ :jLs[ltsf

nflu g]kfn lwtf]kq af]8{df lwtf]kq ;DaGwL P]g, @)^# / lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# cg'?ksf] of]Uotf k'u]sf]

k|lta4tf kq -8\o" 8]lnh]G;\ ;l6{lkms]6_ k|:t't u/]sf 5f}+ .