sDkgL P]g, @)^# cGtu{t ;+:yflkt / ;~rflnt Pj+ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhd sfd sf/f]jf/ ug{
Ohfhtkqk|fKt
s]Gb|Lo sfof{no, rfjlxn –&, sf7df8f}+
kmf]g g+= )!–$$(*###, )!–$$&$@)@
Od]n : [email protected] j]j;fO6 M www.civillaghubitta.com.np sf]
æxsk|b z]o/ lgisfzg ;DaGwL Aoj:yf tyf ljj/0fx?Æ
xfn sfod r'Qmf k"FhL ?= !!,$!,!$,)))÷– sf] Ps z]o/ a/fa/ Ps z]o/ -!M!_ -cyf{t ljBdfg Ps lsQf
;fwf/0f z]o/ a/fa/ gofF Ps lsQf ;fwf/0f z]o/_ sf] cg'kftdf ;fljssf z]o/wgLx?sf] nfuL ?=
!!,$!,!$,)))÷– a/fa/sf] k|lt z]o/ ?=!))÷– c+lst b/sf !!,$!,!$) lsQf xsk|b z]o/ lgisfzg ug{sf]
nflu k|sflzt .
b/vf:t;fy k|lt ;fwf/0f z]o/ ? !))÷– sf b/n] zt k|ltzt e'QmfgL dfu ul/Psf] .
lwtf]kq lgisfzg tyf ljls|k|aGwssf] p23f]if0fM
xfdLnfO{ lgisfzgstf{ ;+ul7t ;+:yf tyf o;sf ;+:yfks÷;+rfnsx?n] pknAw u/fPsf] ljj/0f tyf
hfgsf/Lx?sf] cfwf/df o; ;+:yfsf] Aoj:yfklso, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL
;Gt'i6 x'g'sf] ;fy} æxsk|b z]o/ lgisfzg ;DaGwL Aoj:yf tyf ljj/0fx?Æ df n]lvPsf cfly{s ljj/0fx? /
cGo hfgsf/L tYout, k"0f{ / ;lx b]lvPsf]n] nufgLstf{x?nfO{ nufgL] ;DaGwL lg0f{o lng d2t k'Ug] s'/f k|lt
ljZj:t eO{ xfdLn] of] æxsk|b z]o/ lgisfzg ;DaGwL Aoj:yf tyf ljj/0fx?Æ :jLs[tLsf nflu g]kfn lwtf]kq
jf]8{df ælwtf]kq ;DjGwL P]g, @)^#Æ / ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#Æ cg'?ksf] of]Uotf
k'u]sf] k|ltj4tfkq (Due Diligence Certificate) k|:t't u/]sf 5f}+ .
nufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f M
lwtf]kqdf ul/g] nufgLdf hf]lvd x'g] ePsf]n] To:tf] hf]lvdsf] d"Nof+sg ug]{ k|d'v bfloTj nufgLstf{ :jo+sf]
x'g]5 / lwtf]kqsf] lgisfzg d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]af/ d"No ghgfpg] x'Fbf o;
ljj/0fkqsf] bkmf y df pNn]lvt hf]lvdx? ;d]tsf] cWoog u/]/ dfq nufgL ;DaGwL lg0f{o lng ;'emfj
ul/G5 .
qml86 /]l6Ë ;DalGw ljj/0fM
o; n3'ljQn] hf/L ug{ nfu]sf] xsk|b z]o/ lgisf;gnfO{ s]o/ /]l6Ë g]kfn n] ldlt @)&^÷)(÷)@ -l8;]Da/
!*, @)!(_ ut] cf}ift eGbf tn cfwf/x? (Below avereage Fundamentals) hgfpg] (CARE-NP IPO Grade 4 u|]l8Ë k|bfg u/]sf] 5 . qm]l86 /]l6Ë axfn /xg] ldlt @)&&÷)(÷)!
g]kfn lwtf]kq af]8{af6 :jLs[t ePsf] ldlt M @)&^÷!!÷!$
lgisfzg v'Nnf x'g] ldlt M@%÷)$÷@)&&
lgisfzg aGb x'g] ldlt M !$÷)%÷@)&&
lwtf]kq lgisfzg tyf laqmL k|jGwsM
;]~r'/L Soflk6n dfs]{6\; lnld6]8
sf7df8f}+ Knfhf, sf7df8f+},
kmf]g g+=M $!^*^*(, $!^*^((
Od]nM [email protected]
j]j;fO6M www.centurycapital.com.np
s_ ;+ul7t ;+:yfsf] gfd M
l;len n3'ljQ ljQLo ;+:yf lnld6]8 (Civil Laghubitta Bittiya Sanstha Limited)
v_ ;+ul7t ;+:yfsf] /lhi68{ sfof{no M
o; n3'ljQ ljQLo ;+:yfsf] /lhi68{ -s]Gb|Lo_ sfof{no sf7df8f}+ lhNnf, sf=d=g=kf= j8f g+= &, rfjlxn,
sf7df8f}+df /x]sf] 5 .
u_ sf/f]jf/ :yfg M
o; ljQLo ;+:yfsf] sf/f]jf/ ug]{] /lhi68{ -s]Gb|Lo_ sfof{no sf=d=g=kf= &, rfjlxn, sf7df8f}+df /x]sf] 5 .
o; ljlQo ;+:yfn] xfn lgDg zfvf sfof{no vf]ln ljQLo sf/f]af/ ul//x]sf] 5 .
qm=;= zfvf sfof{nosf] gfd Zffvf /x]sf] lhNnf
! Rffjlxn zfvf sf7df8f}+
@ ;fFuf zfvf sfe|]knf~rf]s
# d]nrf}/ Zffvf l;Gw'kfNrf]s
$ afF8e~HofË zfvf sf7df8f}+
% cf]vn9'Ëf zfvf cf]vn9'Ëf
^ eb|sfnL Zffvf l;Gw'nL
& yfgl;Ë zfvf g'jfsf]6
* z+v/fk'/ zfvf sf7df8f}+
( b]pk'/ zfvf sfe|]knf~rf]s
!) l;ldrf}/ zfvf u'NdL
!! nIdLk'/ zfvf bfË
!@ v8\ue~HofË zfvf g'jfsf]6
!# nfndl6of zfvf bfË
!$ lzjk'/ zfvf slkna:t'
!% ysfnLrf]s zfvf ?kGb]xL
!^ aonaf; zfvf ;nf{xL
!& lghu9 zfvf af/f
!* gofF/f]8 zfvf ;nf{xL
!( x/}rf zfvf df]/Ë
@) em'Dsf zfvf ;'g;/L
@! uf]bf/ zfvf wg'iff
@@ lj?jfu'7L zfvf k;f{
@# l6sfe}/a zfvf nlntk'/
@$ bfd|fle§f zfvf df]/Ë
@% k~rgu/ Zffvf gjnk/f;L
@^ xfQL;F'9] Zffvf dsjfgk'/
@& 9'Ëvs{ Zffvf sfe|]knf~rf]s
@* nIdLdfu{ Zffvf df]/Ë
@( 6fF8L Zffvf df]/Ë
#) /+u}hf Zffvf bfË
#! snf]gL Zffvf g'jfsf]6
#@ xl/gu/f ;'g;/L
## dnflx6f]n /f}tx6
#$ sfG5Lahf/ ?kGb]xL
#% sf]Nx'jf gjnk/f;L
#^ a+s'n /f}tx6
#& u~hejfgLk'/ af/f
#* dn+ujf l;/fxf
#( lh/f]dfO{n l;/fxf
$) dx]Gb|gu/ wg'iff
$! dsjfgk'/u9L dsjfgk'/
$@ dxf/fhu~h slkna:t'
$# kftf] ;Kt/L
$$ uN5L wflbË
$% £ofËn]v l;Gw'nL
$^ 6+sLl;gjf/L df]/Ë
$& 5lkof ?kGb]xL
3_ ;+ul7t ;+:yfsf] ;+lIfKt kl/ro / p2]Zo M
sDkgLsf] ;+lIfKt kl/ro M
l;len n3'ljQ ljlQo ;+:yf ln= sDkgL P]g, @)^# adf]lhd ldlt @)^&.!@.)! df g]kfn ;/sf/, sDkgL
/lhi6«f/sf] sfof{nodf btf{ eO{ ldlt @)^(.)!.)& ut] g]kfn /fi6« a}saf6 ljQLo sf/f]af/ ug{ æ3Æju{sf]
O{hfht k|fKt u/L ldlt @)^(.)#.@! af6 sf/f]af/ ;+rfng ul//x]sf] /fli6«o:t/sf] n3'ljQ ljQLo ;+:yf xf] .
o;sf] /lhi68{ sfof{no sf7df8f}+ dxfgu/kflnsf j8f g+= &, rfjlxn, sf7df8f}+df /x]sf] 5 . of] n3'ljQ ljQLo
;+:yf l;len a}s ln=-tTsflng OG6/g]zgn lnlhË P08 kmfOgfG; sDkgL_ sf] ;xfos sDkgL xf] . g]kfn /fi6«
a}+saf6 @)^(.)!.)& df tTsflng cfO{=Pn=Pkm=l;=cf] dfO{qmf]kmfOgfG; ljQLo ;+:yf ln=-OG6/g]zgn lnlhË
P08 kmfOgfG; sDkgLsf] ;xfos sDkgL_ sf] gfddf sf/f]af/ ug]{ Ohfhtkq k|fKt u/L ldlt @)^(.)#.@! b]lv
sf/f]af/ z'? u/]sf] 5 . ldlt @)&#.!!.@@ df ;DkGGf To; sDkgLsf] ;fwf/0f ;efsf] kfl/t lg0f{o adf]lhd
sDkgLsf] ;fljssf] gfd cfO{=Pn=Pkm=l;=cf] dfO{qmf]kmfOgfG; ljQLo ;+:yf ln= df /x]sf] ;Dk'0f{ rn, crn
;DklQ tyf ltg'{kg]{ s/, bfloTj cflb kl/jlt{t gfd l;len n3'ljQ ljQLo ;+:yf ln= sf] sDkgLn] ;sfg]{ gfd
kl/jt{g ;DaGwdf sDkgL /lhi6«f/sf] sfof{nodf ldlt @)&$.)!.)^ sf] kq dfkm{t l:js[lt k|bfg ul/Psf] 5 .
ldlt @)&$.)!.)^ df k|fKt g]kfn /fi6« a}ssf] kq dfkm{t ljlQo sf/f]af/ ug] O{hfht k|fKt u/L ;f]xL ldlt
b]lv l;len n3'ljQ ljQLo ;+:yf ln= sf] gfdaf6 ljlQo sf/f]af/ ub}{ cfO{/x]sf] 5 .
sDkgLsf] p2]Zo M
n3'ljQ ljQLo ;+:yfsf] k|aGwkqsf] bkmf $ tyf lgodfjnLsf] lgod $ df pNn]v eP adf]lhd g]kfn /fi6«
a+}s P]g @)%*, a+}s tyf ljQLo ;:yf ;DaGwL P]g, @)&#, sDkgL P]g, @)^# / cGo k|rlnt g]kfn sfg"gsf]
cwLgdf /xL ljQLo sf/f]jf/ ug]{ o; n3'ljQ ljQLo ;+:yfsf] d'Vo p2]Zox? b]xfo adf]lhd /x]sf] 5 M–
-s_ n3' ljQ ljLQo ;+:yf sf] lgIf]kstf{ tyf z]o/wgLsf] xs lxtsf] ;+/If0f / ;Da4{g ub}{ :j:Yo
k|lt:kwf{af6 ;j{;fwf/0fnfO{ u'0f:t/Lo tyf e/kbf]{ ljlQo dWo:ytf ;]jf pknAw u/fpg] .
-v_ s[lif, pBf]u ;]jf , Jofkf/ tyf cGo Joj;flos ?kn] ;DefJo b]lvPsf a[l4sf nfuL cfjZos ljlQo
;fwg cfGtl/s tyf afx|o ;|f]taf6 h'6fO{ n3'shf{ ;'ne u/fpg] .
pknAw zLk, >d tyf k"FhLnfO{ kl/rfng u/L u|fdL0f If]qsf] ljsf;df of]ubfg k'¥ofO{ b]zsf] cfly{s
ljsf;df ;xof]u k'¥ofpg] .
-u_ pknAw zLk, >d tyf k'hLnfO{ plrt ?kdf kl/rfng u/L u|fld0f >]qdf pTkfbg Pj\d /f]huf/Ld'ns
Joj;fosf] :yfkgf, ;+rfng, ljsf; lj:tf/ Pjd\ k|jw{s ug]{ / ;f] sfo{sf] nfuL cfjZos ljlQo ;fwg,
k|fljlws tyf Joj:yfksLo k/fdz{ ;]jf tflnd tyf k|ljlw pknAw u/fO{ u/LaL lgjf/0fsf nfuL ;ls|o
?kdf ;+nUg eO{ ;xof]u k'/\ofpg] .
-3_ ljlQo ;]jfdf hf]lvd sd ub}{ ljlQo >]qsf] pbf/Ls/0fdf d4t k'/\ofog] / b]zsf] cy{tGqnfO{ ;jn
tyf ;'b[9 agfpg ;xof]u k'/\ofpg] .
-ª_ b]zsf] ;d|u ljlQo k|0fnLk|lt ;j{;fwf/0fsf] ljZjf;gLo clej[l4 ug{ ;xof]u k'/\ofpg] .
-r_ u|fld0f >]qsf ljkGg ju{ / ljz]ifu/L dlxnf tyf a]/f]huf/ o'jfx?nfO{ n3' shf{ tflnd tyf
hgr]tgfsf] dfWodaf6 pgLx?sf] /f]huf/L / cfly{s Pj+ ;fdflhs cj:yfdf ;'wf/ Nofpg ;xof]u k'/\ofpg]
.
ª_ z]o/ k"FhLsf] ;+/rgf M
s_ clws[t k"FhL M o; n3'ljQ ljQLo ;+:yfsf] clws[t k"FhL ?=$),)),)),)))÷— -cIf/]kL rfnL; s/f]8_
/x]sf] 5 . h;nfO{ k|lt z]o/ ?=!))÷— sf b/n] hDdf $),)),))) -rfln; nfv_ lsQf ;fwf/0f z]o/df
ljefhg ul/Psf] 5 .
v_ hf/L k"FhL M o; n3'ljQ ljQLo ;+:yfsf] hf/L k"FhL ?= @@,*@,@*,)))÷— -cIf/]kL afO{; s/f]8 aof;L nfv
c7\fO{; xhf/ dfq_ /x]sf] 5 . h;nfO{ k|lt z]o/ ?= !))÷— sf b/n] hDdf @@,*@,@*) lsQf -afO{; nfv
aof;L xhf/ b'O{ ;o c;L_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
u_ r'Qmf k"FhL M xfn o; n3'ljQ ljQLo ;+:yfsf] r'Qmf k"FhL ?= !!,$!,!$,)))÷— -cIf/]kL P3f/ s/f]8
Psrfln; nfv rf}w xhf/ dfq_ /x]sf] 5 . h;nfO{ k|lt z]o/ ?= !))÷— sf b/n] hDdf !!,$!,!$) lsQf
-P3f/ nfv Psrfln; xhf/ Ps ;o rfln;_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
o; xsk|b z]o/ lgisfzg u/L afF8kmfF8 u/] kZrft n3'ljQ ljQLo ;+:yfsf] r'Qmf k"FhL ?= @@,*@,@*,)))÷—
-cIf]?kL afO; s/f]8 aofl; nfv c7\7fO; xhf/ dfq_ x'g]5 .
r_ xsk|b z]o/ lgisfzg ug{'k"j{ / lgisfzg kZrft x'g] ;+ul7t ;+:yfsf] r'Qmf k"+hLsf] l:ytL M
xsk|b z]o/ lgisfzg u/L afF8kmFf8 u/] k"j{ x'g] r'Qmf k+"hLsf] ;+/rgf M
;d"x Zf]o/wgL z]o/ lsQf k"+hL
;+/rgf r'Qmf /sd -?=_ e'QmfgL k|ltzt
s ;+:yfks z]o/wgLx? ^,*$,^*$ ^)% ^,*$,^*,$)) ztk|ltzt
v ;j{;fwf/0f z]o/wgLx?
-sd{rf/Lx? ;d]t_ $,%^,$%^ $)% $,%^,$%,^)) ztk|ltzt
hDdf !!,$!,!$) !)) % !!,$!,!$,)))
xsk|b z]o/ lgisfzg u/L afF8kmFf8 u/] kZrft x'g] r'Qmf k+"hLsf] ;+/rgf M
;d"x Zf]o/wgL z]o/ lsQf k"+hL
;+/rgf r'Qmf /sd -?=_ e'QmfgL k|ltzt
s ;+:yfks z]o/wgLx? !#,^(,#^* ^)% !#,^(,#^,*)) ztk|ltzt
v ;j{;fwf/0f z]o/wgLx?
-sd{rf/Lx? ;d]t_ (,!@,(!@ $)% (,!@,(!,@)) ztk|ltzt
hDdf @@,*@,@*) !)) % @@,*@,@*,)))
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
!=n3' ljQLo ;+:yfsf xfn sfod /x]sf z]o/wgLx?n] lnPsf] z]o/ ;+Vof lgDg adf]lhd 5 .
qm=;+= ;+:yfkssf] gfd pd]/ z}lIfs
of]Uotf
cg'ej / k|:tfljs Jofkf/
Jofj;fodf cg'ej
7]ufgf z]o/
:jfldTj-
lsQfdf_
!= >L l;len a}+s ln=
sdnfbL,
sf7df8f}+
%,*!,(*!=$
@= >L cRo't /fh ;fksf]6f ^) MBS @) jif{ eGbf a9L a}+lsË kf]v/f–!$,
sf:sL
!^,!%*=%*$
#= >L k/z'/fd s'+j/ If]qL ^! MBA @) jif{ eGbf a9L a}+lsË kf]v/f, sf:sL %,&&)=*)!^^
$= >L clgn s'df/ 9'+u]n %) CA @! aif{ a}+lsË nlntk'/–! !$,^)*=*^(^
%= >L k|tfk h+u kf08] $$ MBA !* jif{ a}+lsË sf7df8f}+–# !@,!!*=()^*
^= >L ;'/h clwsf/L $^ MBS !* jif{ a}+lsË sf7df8f}+–!! !!,#((=(^%@
&= >LdtL nIdL vgfn %) M.ED @^ aif{ lzIf0f k]zfdf cfj4 sf7df8f}+–# %,&^(=^)#*$
*= >L af]w k|;fb lqkf7L $& Bachelor z]o/ sf/f]af/ lrtjg–# %,&^(=^)#*$
(= >L z}n]z sfsL{ $# MBA !* a}+lsË df]/Ë–& @,**%=(@@
!)= >L /fh' uf}td $& Bachelor @@ jif{ a}+lsË g'jfsf]6–( @,**%=(@@
!!= >L cdg ah|frfo{ $$ MBA !^ a}+lsË sf7df8f}+–#) #,$@#=$@
!@= >L >j0f Hof]tL s+;fsf/ $% MBA ^ aif{ a}lsË sf7df8f}+–@& @,**%=(@@
!#= >L b''uf{ k|;fb e§/fO{ $^ I.SC @) aif{ a}+lsË cf]vn9'Ëf–* &,$!&=$!
!$= >L s]zj s'df/ a:g]t %* B.COM Jofkf/ pbok'/–$ (,*(%=(#*
!%= >L v8\u axfb'/ sfsL{ %( M.SC
lgdf{0f Jofj;fodf cfj4 dy'dNnf–% !,&!!=&!
;+:yfks ;d"xsf] hDdf ^,*$,^*$
@= ;+:yfksx? s'g} sDkgL÷;:yf ePdf To:tf] sDkgL÷;:yfsf ;+:yfksx? s'g} sDkgL÷;:yf ePdf To:tf]
sDkgL÷;:yfsf] gfd tyf 7]ufgf ;lxtsf] ;l+IfKt ljj/0f / pQm sDkgL÷;:yfsf ;+rfnsx?sf] gfd, 7]ufgf
k|fs[lts JolQm gv'n];Dd _M
;+:yfks sDkgL jf ;+:yf sDkgL jf ;+:yfsf] ljj/0f
l;len a}s ln=, ;'Gwf/f, sf7df8f}+ l;len a}s ln=, sDkgL P]g, @)^# cGtu{t ;+:yflkt / ;+rflnt
Pj+ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhd sfd
sf/f]jf/ ug{ Ohfhtkqk|fKt lnld6]8 sDkgL xf] .
l;len a}s ln=sf ;+rfnsx?
;+rfnsx?sf] gfd kb 7]ufgf z]o/ lsQf-l;len a}s ln=_
O{= >L OR5f/fh tfdfË cWoIf lslt{k'/ g+ kf= !, sf7df08f} @^,$#,()* ;+:yfks
$,$*,^)) ;fwf/0f
>L clDa/ af]u6L ;~rfns tfs]j/ g=kf= &, sf7df08f} !&)$(! ;+:yfks
#(%)@;fwf/0f
>L k|sfz tfon ;~rfns eb|k'/ g=kf= @, emfkf *&) ;j{;fwf/0f
>L k|tfk hË kf08] ;~rfns sf=d=g=kf= $, sf7df08f} ($*# ;+:yfks
!!) ;j{;fwf/0f
>L o'u]z axfb'/ dNn ;~rfns sf=d=g=kf= #, sf7df08f} !!)@ ;j{;fwf/0f
>L zDe' k|;fb kGt ;~rfns sf=d=g=kf= &, sf7df08f} %** ;j{;fwf/0f
>L ledfgGb 9'Ëfgf :jtGq ;~rfns sf=d=g=kf= &, sf7df08f} @&^ ;j{;fwf/0f
h= lgisfzg ul/g] xsk|b z]o/sf] ;+Vof / To;sf] cg'kft M
o; n3'ljQ ljQLo ;+:yfsf] xfn sfod r'Qmf k"FhL !!,$!,!$,))) sf] Ps z]o/ a/fa/ gofF Ps z]o/ -!M!_ sf]
cg'kftdf -cyf{t ljBdfg Ps lsQf ;fwf/0f z]o/ a/fa/ gFof Ps lsQf ;fwf/0f z]o/sf b/n]_ k|lt z]o/ ?=!))÷–
sf b/n] hDdf !!,$!,!$) 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
ldlt @)&%.)(.@( ut] cfO{taf/ ;DkGg ePsf] cf=a @)&$÷&% sf] ;ftf}+ aflif{s ;fwf/0f ;ef af6 kfl/t ePsf]
af]g; z]o/ hf/L kZrft sfod x'g cfpg] r'Qmf k"FhLsf] !)) k|ltzt x'g cfpg] ?= !!,$!,!$,)))÷– xsk|b z]o/
lgisfzg ul/g]5 .
;fwf/0f ;ef ;DkGg ePsf] ldltM @)&% ;fn kf}if @( ut], ;ftf} aflif{s ;fwf/0f ;ef
`= ;~rfns tyf k|d'v sfo{sf/L clws[tsf] gfd, 7]ufgf, z}lIfs of]Uotf tyf cg'ejM
l;=g+= Gffd Kfb z}lIfs
of]Uotf 7]ufgf cg'ej
!= >L ;lrg hË /fodfemL cWoIf Pd=la=P;=÷l
;=lk=P s'dvtL{–!, gjnk/f;L
k|e' a}s ln= df Gffoa dxfk|aGws kbdf sl/a @=!!
aif{, Transcash International Sydney df sl/a !=!) aif{ al/i7 k|aGws , d]uf a}s ln=df
al/i7 k|aGws kbdf !=* aif{, g]kfn /fi6« a}s df a}s
;'k/efO{h/ kbdf ^=$ aif{ , Pgl;l; a}sdf ( dlxgf
, Pg la= a}sdf %=!) aif{ ;fxos kbdf sfo{ u/]sf] .
xfn l;len a}s ln= df k|d'v shf{ clws[t kbdf
sfo{/t tyf a}+lsË If]qdf @# jif{sf] cg'ej .
@= >L k|l;4 /fh cof{n ;~rfns Pd=la=P= Affg]Zj/–!), sf7df8f}+
;g/fO{h a}s df $ aif{ zfvf k|aGws, g]kfn
O{Ge]i6d]G6 a}s ln= df clws[t kbdf #=@ aif{, ljut
& aif{ b]lv l;len a}s ln= df sfo{/t tyf xfn shf{
Joj;fo ljefuLo k|d'v kbdf sfo{/t tyf a}+lsË
If]qdf !$ jif{sf] cg'ej .
#= >L ;lrg g]jf ;~rfns Pd=la=P;= wfkfv]n–@$,
nlntk'/
;g/fO{h a}s ln=df al/i7 k|aGws df @ aif{ ,
lxdfnog a}s ln= df al/i7 ;xfos kbdf % aif{ ,
n'lDagL a}s ln= df ;xfos kbdf @ aif, ljut ^ aif{
b]lv l;len a}s ln= df ljQ ljefuLo k|d'v kbdf
sfo{/t tyf a}+lsË If]qdf
!% jif{sf] cg'ej .
$= >L s[i0fk|;fb clwsf/L ;~rfns la=P= sf7df8f}+–#%
cl/lgsf] lasfz a}s ln=sf] k'j{ ;+rfns, kqsfl/tf
If]qdf #) aif{sf] sfo{ cg'ej . xfn o; ljlQo
;+:yfdf ;+rfns .
%= >L x]d nfn e§/fO{ ;~rfns la=P;=l;= ds/–%, gjnk/f;L
s[lif ljsfz a}s ln=df #) aif{, ljleGg kb tyf
ljefu /xL gfoa dxfk|aGws kbdf sfo{ u/L cjsfz
k|fKt .
^= >L zlQm aNne >]i7 ;~rfns la=P= rl/sf]6–!, bf]nvf s[lif ljsfz a}s ln=df #) aif{, ljleGg kb tyf
ljefu /xL ljefuLo kbdf sfo{ u/L cjsfz k|fKt .
n3'ljQ ljQLo ;+:yfsf] lg= k|d'v sfo{sf/L clws[tsf] ljj/0f M
Gfd 7]ufgf of]Uotf cg'ej
>L lagf]b cfrfo{ pQ/uof–%,
/;'jf
:gftsf]Q/
l8k|f]S; n3'ljQ ;+:yfdf !(=! aif{, ljleGg kbdf /xL dxfk|aGws ;Dd sfo{cg'ej, gf8]k
n3'ljQ ljlQo ;+:yf ln=df ! aif{ dxfk|aGws, cf/fDe n3'ljQ ljlQo ;+:yf ln= df @=%
aif{ k|d'v sfo{sf/L clws[t, l;len n3'ljQ ljlQo ;+:yf ln=df ljut !=@ aif{ gfoa
k|d'v sfo{sf/L clws[t kbdf /xL xfn ldlt @)&^÷!!÷)! ut]af6 sf=d' k|d'v
sfo{sf/L clws[t kbdf sfo{/t .
o; ljlQo ;+:yfsf k|d'v sfo{sf/L clws[t >L an/fd kf}8]nn] cfkmgf] kbaf6 lbg'ePsf] /flhgfdf o;
;+:yfsf] ;+rfns ;ldltsf] !$% cf} a}7ssf] lg0f{o adf]lhd @)&^÷!!÷)! ut] af6 nfu' x'g]u/L :jLs[t
ePsf] tyf ;f]xL ldlt b]lv nfu' x'g] u/L ljlQo ;:yfsf gfoa k|d'v sfo{sf/L clws[t >L ljgf]b cfrfo{nfO{
sf=d' k|d'v sfo{sf/L clws[t df lgo'Qm ul/Psf] .
6_ ;~rfns ;ldltsf] agf}6 M
o; n3'ljQ ljQLo ;+:yfsf] lgodfjnLsf] lgod @& df ePsf] Joj:yf cg';f/ ^ -5_ hgf ;~rfns /x]sf]
;~rfns ;ldlt b]xfo adf]lhd x'g]5 .
;+:yfks z]o/wgLx?sf] ;d"xaf6 dgf]lgt jf lgjf{lrt # -tLg_ hgf
;j{;fwf/0f z]o/wgLx?sf] k|ltlglwTj u/L lgjf{lrt @ -b'O{_ hgf
Joj;flos ljz]if1 ;~rfns ! -Ps_ hgf
;~rfnsx?sf] sfo{sfn $ -rf/_ jif{sf] x'g]5 .
o; n3'ljQ ljlQo ;+:yfsf] ;~rfns kbdf lgo'lQm x'gsf nflu cfKfm\gf] gfddf o; ljQLo ;+:yfsf] Go'gtd
!)) lsQf z]o/ lnPsf] x'g'kg]{5 . o:tf] z]o/ lwtf] aGwsdf /x]sf] x'g'x'b}g . t/ ;+ul7t ;+:yfsf] k|ltlglwTj
ug]{ ;~rfns tyf :jtGq ;~rfnssf] xsdf pk/f]Qm Joj:yf nfu' x'g] 5}g .
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 nfuL o; ljQLo ;+:yfn] xsk|b z]o/ lgisfzg k'j{ ;fj{hlgs ;'rgf dfkm{t
hfgsf/L u/fPsf] ldlt;Dd z]o/ vl/b u/L sfod ePsf ;fljssf z]o/wgLx?n] cfk\mgf] gfddf sfod /x]sf]
;fwf/0f z]o/sf Ps z]o/ a/fa/ Ps z]o/ -!M!_ sf] cg'kftdf k|lt z]o/ ?= !)).— sf b/n] cfj]bg lbg
;Sg]5g\ . b/vf:t ;fy k|lt z]o/ ?= !)).— sf] b/n] cfj]bg lbg] z]o/ ;+VofnfO{ u'0fg ubf{ x'g cfpg] a/fa/sf]
Psd'i7 gub /sd jf ;f] a/fa/sf] /sd lgisfzg a}+s jf tf]lsPsf] ;+sng s]Gb|df hDdf u/]sf] ef}r/ jf a}+s
8«fˆ6 b/vf:t kmf/d;fy ;+nUg ePsf] x'g'kg]{5 . z]o/wgLx?n] cfkm\gf] xs eGbf sd z]o/sf] nflu b/vf:t
lbg ;Sg]5g\ .
8_ ;fljssf z]o/wgLx?n] xsk|b z]o/ vl/bsf nflu b/vf:t glbO{ afFsL /xg uPsf z]o/x?sf] ljs|L ug]{ ;DaGwL
Joj:yf M
;fljssf z]o/wgLx?n] xsk|b z]o/ vl/bsf nflu b/vf:t glbO{ jf cfkmgf] 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 cljtl/t z]o/x?sf]
;DaGwdf ælwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$Æ df ePsf] Joj:yf cg';f/ ;~rfns ;ldltn]
tf]s] adf]lhd cToGt kf/bzL{ tl/sfåf/f -h:t} lnnfd a9fa9_ laqmL ul/g]5 . o;/L laqmL ubf{ vl/b ug{ rfxg]
nufgLstf{x? ;a}nfO{ ;dfg cj;/ k|bfg ul/g]5 .
9_ xsk|b z]o/ eP ;f] sf] cg'kft eGbf al9 z]o/ vl/b ug{ kfpg]÷gkfpg] ;DaGwL Joj:yf M
o; xsk|b z]o/sf] cg'kft eGbf a9L z]o/ vl/b ug{ kfpg] 5}g . t/ s'g} z]o/wgLn] cfkm\gf] sfod xssf]
cfwf/df xsk|b z]o/ vl/bsf nflu cfj]bg lb+bf vl08t z]o/ (Fraction Share) df z]o/ ;+Vof kg{ cfPdf
glhssf] dflyNnf] z]o/ lsQfsf] nflu cfj]bg lbg ;Sg]5 . 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[tL lnO{ ljQLo ;+:yfsf] ;+rfns ;ldltn] dflyNnf] z]o/ lsQf dfu u/L b/vf:t
lbg] z]o/wgLx?nfO{ xsk|b z]o/ afF8kmfF6 ul/g]5 . o; ljj/0f dfkm{t lgisfzg ul/g] xsk|b z]o/sf] nflu
cfˆgf] sfod xs eGbf a9L xsk|b z]o/sf] nflu b/vf:t lbg kfOg] 5}g . t/ ;fljs z]o/wgLn] rfx]df cfˆgf]
sfod xs eGbf sd xsk|b z]o/ vl/b ug{ 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 .
0f_ ;+ul7t ;+:yfsf] ;~rfng cjlw tLg jif{ Joltt e};s]sf] cj:yfdf ljut tLg aif{sf] / tLg aif{ Joltt
e}g;s]sf] cj:yfdf ;~rfng cjlwsf] ljlQo ljj/0f -;xfos sDkgL eP ;dli6s[t ?kdf_ tyf cfufdL # aif{sf]
k|If]lkt ljQLo ljj/0fsf] ;fy} k|If]lkt k|lt z]o/ cfDbfgL -O=lk=P;=_, k|lt z]o/ g]6jy{, g]6jy{df k|ltkmn /
lgisfzgk'j{sf] k|ltz]o/ cfDbfgL sfod /fVg j[l¢ x'g] g]6jy{df cfjZos k|ltkmn M
jf;nft
-?=
xhf/df_
ljj/)F
jf:tljs * cf=j=
075÷76sf]
ciff( d;fGt
;Dd
**k|If]lkt
cf=j= 072÷73 cf=j=073÷74
cf=j=
074÷75
cf=a=
2076÷077
cf=a=
2077÷078
cf=a=
2078÷079
k"FhL tyf bfloTj
!= z]o/ k"FhL !,)%,))) !,)(,&@% !,!$,!!$ !,!(,*!(=&) @,^$,#$% @,*%,$(# #,!$,)$@
@= hu]8f sf]ifx? !,*^%=$$ #,!)$=(@ %,&)^=*) @),(&(=)$ #@,@$^ $$,**@ ^&,)*^
#= C0fkq tyf jG8 – – – – – – –
$= ltg{ afFsL shf{ tyf
;fk6
*(,(&*=*& !,((,@#)=%@ #,$$,))) ^,!$,*@(=** !),^*,*^! !#,%!,)#) !&,)(,*!&
%= lgIf]k bfloTj %#,%$(=)) !,)@,&!*=#$ !,^^,**%=!! @,&!,!@%=&$ $,&),&!# &,)),)(& (,*#,(#)
^= k|:tfljt tyf e'QmfgL
lbg afFsL nfef+z @^#=!^ @$*=^* $,@&#=%) %,&)%=&)
–
@^,$#%
@*,%$(
&= cfos/ bfloTj !,^^*=@( @,&!(=)( %,!(@=*# &,$^!=#^ !&,*^@ @%,*)* ##,(*&
*= cGo bfloTj $,#*%=#* &,#%^=$^ !(,^%^=$* @),&)!=%% @@,^!@ @%,))& ##,&%!
s'n bfloTj @%^,&!)=!$ $,@%,!)#=)! ^,%(,*@*=&@ !),^),^@@=(& !*,&^,^#( @$,%*,&%) #!,&!,!^#
;DkQL
!= gub df}Hbft – !* #!=@# $)@=*% %%) ^@) ^*)
@= g]kfn /fi6« a}+sdf
/x]sf] df}Hbft
*)) !,^)) @,%)) $,%)) *,$^* !!,@*! !$,*!^
#= a}+s tyf ljQLo
;+:yfdf /x]sf]
^*!=&( !*,$$*=%% ^$,&!)=*& @*,!!%=(@ $@,@)& $%,@$( %@,&*^
df}Hbft
$= dfu tyf cNk
;"rgfdf k|fKt x'g] /sd !$&)@=)$
– – – – – –
%= nufgL ^),$%&=$& ^),$%&=$& – – – – –
^= shf{ ;fk6 tyf ljn
vl/b
!,^(,%&&=(! #,#),&*$=*@ %,&%,@%&=#@ !),)#,&#)=@) !&,*),()) @#,$#,##@ #),@*,^%!
&= l:y/ ;DkQL &,&!#=&% *,((*=)& *,%%(=(@ !@,)^@=(& @!,!$& @^,@$* @*,**(
*= u}/ j}+ls+u ;DkQL – – – – – – –
(= cGo ;DkQL @&,&&=!* $,&(^=!) *,&^(=#* !!,*!!=)# @#,#^* #@,)!( $%,#$@
s'n ;DkQL @%^,&!)=!$ $,@%,!)#=)! ^,%(,*@*=&@ !),^),^@@=(& !*,&^,^#( @$,%*,&%) #!,&!,!^#
ljlQo ;+:yfsf] ljut # aif{sf] jf:tfljs tyf cfufdL # aif{sf] gfkmf gf]S;fg lx;fa
-?= xhf/df_
ljj/)F
jf:tljs * cf=j=
075÷76sf]
ciff( d;fGt
;Dd
**k|If]lkt
cf=j=
072÷73 cf=j= 073÷74
cf=j=
074÷75
cf=a=
2076÷077
cf=a=
2077÷078
cf=a=
2078÷079
1= Aofh cfDbfgL 29,749.45 52,974.05 82,212.59 1,30,456.39 2,50,763 3,71,333 4,78,856
2= Aofh vr{ 6,306.88 16,624.18 35,831.83 65,825.17 1,27,648 1,85,528 2,42,255 v"b Aofh cfDbfgL 23,442.57 36,349.87 46,380.76 64,631.22 12,3,116 1,85,805 2,36,601
3=
sldzg tyf
;~rfng cfDbfgL
140.42 143.54 1,3198.22 31,660.04 62,671 70,293 95,586
4= ;^xL #^a(
cfDbfgL
– – – – – – –
s"n ;~rfng
cfDbfgL
23,582.99 36,493.41 59,578.99 96,291.26 1,85,786 2,56,098 3,32,187
5=
sd{rf/L vr{ 9,566.81 13,328.34 24,552.18 39,808.36 66,087 95,826 1,24,573
6= cGo ;~rfng
vr{
6,967.02 11,143.09 14,154.93 21,501.91 42,711 55,874 71,135
7= ;^xL #^a(
gf]S;fg
– – – – – – –
;+Defljt gf]S;fgL
Joj:yf cl#sf]
;~rfng d"gfkmf
7,049.16 12,021.98 20,871.87 34,980.99 76,989 1,04,398 1,36,479
8= ;Defljt gf]S;fgL
Aoa:yfx?
4,453.14 2,381.72 3,667.91 9,319.09 11,494 9,770 11,860
;~rfng d"gfkmf 2,596.02 9,640.26 17,203.96 25,661.90 65,495 94,628 1,24,619
9=
u}/ ;~rfng
cfDbfgL ÷
gf]S;fg
64.04 137.24 533.59 0 0 0 0
10= ;Defljt gf]S;fgL
Joj:yfaf^ lkmtf{
3,237.00 0 0 0 0 0 0
lgoldt
sf/f]jf/af^ ePsf]
d'gfkmf
5,897.06 9,777.50 17,737.55 25,661.90 65,495 94,628 1,24,619
12=
c;fdfGo
sf/f]jf/x?af^
ePsf] d'gfkmf÷vr{
– – – – – – –
;Dk')f{ sf/f]jf/
;dfj]z kl%sf]
v'b d'gfkmf
5,897.06 9,777.50 17,737.55 25,661.90 65,495 94,928 12,4619
13= sd{rf/L af]g;
Aoa:yf
536.09 888.86 1,612.50 2,332.90 5,954 8,603 11,329
14= cfos/ Aoa:yf 1,707.43 2,675.47 4,860.67 7,281.49 17,862 25,808 33,987 v"b gfkmf÷gf]S;fg 3,653.54 6,213.17 11,264.38 16,047.51 41,678 60,218 79,303 z]o/ ;+Vof -xhf/df_ 1,000 1050 1097.25 1141.14 2197.93 2,643.45 2,854.93 k|lt z]o/ cfDbfgL -?_ 3.65 5.92 10.26 14.06 18.96 22.78 27.78
;~rfng cjlwsf] tyf cfufdL tLg aif{sf] k|If]lkt k|lt z]o/ cfDbfgL -EPS), k|ltz]o/ g]6jy{
ljj/0f jf:tljs * cf=j= @)&%÷&^
sf] ciff9 d;fGt
;Dd
**k|If]lkt
cf=j= @)&@÷&# cf=j= @)&#÷&$ cf=j= @)&$÷&% cf=j=
@)&^÷&& cf=j= @)&&÷&* cf=j=
@)&*÷&( k|ltz]o/ cfDbfgL -?=_ 3.65 5.92 10.26 14.06 18.96 22.78 27.78 k|ltz]o/ g]6jy{ 106.87 107.46 109.20 123.38 134.94 124.98 133.49
cg'dflgt ljQLo ljj/0fx? tof/ ubf{sf cfwf/x? M
ljj/0f
k|If]lkt(%)
2076/077 2077/078 2078/079 !=s'n lgIf]kdf cf}ift a[l4b/ 73.61 48.73 40.54
@=s'n shf{ tyf ;fk6df cf}ift a[l4b/ 77.20 31.61 29.26
#=s'n cfodf cf}ift a[l4b/ 93.34 40.90 30.07
$=s'n vr{df cf}ift a[l4b/ 85.98 42.62 29.87
%=;+rfng vr{ tyf s'n cfDbfgL cg'kft 75.44 76.36 76.24
^=v'b d'gfkmfdf cf}ift a[l4b/ 159.72 44.48 31.69
&=lgIf]ksf] cf}ift Jofhb/ 6.68 6.89 6.96
*=shf{ tyf ;fk6sf] cf}ift a[l4b/ 17.64 17.63 17.45
(=cfos/ b/ 30 30 30
!)= cGo ;+rfng vr{sf a[l4b/ 98.64 30.82 27.31
!!= % of provision on total gross loan 1.62 1.64 1.65
!@= sd{rf/L vr{df a[l4 66.01 45 30
!#= clgjfo{ df}Hbft (CRR) 0.55 0.55 0.55
!$=k"FhLsf]if cg'kft 16.07 13.78 12.44
!%=lgl:qmo shf{ ;fk6 1 1.03 1.04
k|lt z]o/ cfDbfgL 18.96 22.78 27.78
-!_ shf{ tyf ;fk6 M ;+:yfn] cf=j= @)&$÷&% sf] ciff9 d;fGtaf6 cf=j= @)&%÷&^ sf] ciff9 d;fGt ;Dddf
shf{ tyf ;fk6df sl/a &% k|ltztsf] a[l4 ePsf] tyf ;+:yfsf] Joj:yfkgn] nufgL a[l4 ug]{ of]hgf cg';f/
cf=j=, @)&^÷&&, @)&&÷&* / @)&*÷&( df qmdz &&=@), #!=^! / @(=@^ k|ltztn] s'n shf{ a[l4 x'g]
k|If]k0f ul/Psf] 5 .
shf{ tyf ;fk6df k|fKt x'g] cf|ift Jofhb/ cf=j= @)&^÷&&, @)&&÷&* / @)&*÷&( sf] nfuL s|dz !&=^$,
!&=^# / !&=$% k|ltzt x'g] cg'dfg ul/Psf] 5 .
shf{ gf]S;fgL Joj:yf cf=j= @)&^÷&&, sf] nfuL s'n shf{ tyf ;fk6sf] !=^@ k|ltzt tyf @)&&÷&* /
@)&*÷&( sf] nfuL s'n shf{ tyf ;fk6sf] qmdzM !=^$ / !=^% k|ltzt sfod /xg] cg'dfg ul/Psf] 5 .
-@_ lgIf]k tyf ltg{ afsL shf{ ;fk6 M ;+:yfsf] cf=j= @)&$÷&% sf] cfiff9 d;fGtaf6 cf=j= @)&%÷&^ sf]
cfiff9 d;fGt ;Dddf hDdf lgIf]kdf ^@=$^ k|ltztsf] a[l4 ePsf]n] ;+:yfsf] Joj:yfkgn] ug]{ of]hgf cg';f/
cf=j= @)&^÷&&, @)&&÷&* / @)&*÷&( df qmdzM &#=^!, $*=&# / $)=%$ k|ltztn] s'n lgIf]k a[l4 x'g]
k|If]k0f ul/Psf] 5 .
lgIf]k bfloTj ltg'{kg]{ cf}ift Jofhb/ cf=j= @)&^÷&&, @)&&÷&* / @)&*÷&( sf] nfuL qmdzM ^=^*,^=*(
/ ^=(^ k|ltzt x'g] cg'dfg ul/Psf] 5 .
;+:yfsf] cf=j= @)&$÷&% sf] cfiff9 d;fGtaf6 cf=j=@)&%÷&^ sf] cfiff9 d;fGt ;Dddf hDdf ltg{ afFsL
shf{ ;fk6df &( k|ltztsf] a[l4 ePsf] tyf Joj:yfkgn] ug]{ of]hgf cg';f/ cf=j=@)&^÷&&, @)&&÷&* /
@)&*÷&( df qmdzM &#=*%, @^=$) / @^=%^ k|ltztn] s'n ltg{ afFsL shf{ ;fk6 a[l4 x'g] k|If]k0f ul/Psf] 5
.
ltg{ afFsL shf{ ;fk6df ltg"{kg]{ cf};t Jofhb/ cf=j= @)&^÷&&, @)&&÷&* / @)&*÷&( sf] nflu qmdzM
!@=@@, !@=)) / !@=)) k|ltzt x"g] cg"dfg ul/Psf] 5 .
-#_ t/ntf -CRR_ M g]kfn /fi6« a}+sn] Joj:yf u/]sf] t/ntf cg'kft @=% k|ltzt sfod x'g'kg]{df cf=j= @)&^÷&&,
@)&&÷&* / @)&*÷&( sf] nfuL qmdzM $=)&, #=$& / #=@! sfod /xg] u/L t/ntf Joj:yf ul/Psf] 5 .
g]kfn /fi6« a}sn] Joj:yf u/]sf] clgjfo{ df}Hbft ;a} cf=j= x?df )=%% k|ltzt sfod /xg]ul/ nufgL k|If]k0f
ul/Psf] 5 .
-$_ af]g; P]gsf] k|fjwfg cg';f/ sd{rf/L af]g; kl5sf] v'b gfkmfsf] !) k|ltzt a/fa/ x'g] /sd sd{rf/L af]g;
Joj:yfsf] nfuL 5'§fO{Psf] 5 .
-%_ xfn /x]sf] Joj:yf cg';f/ cfufdL aif{x?sf] nfuL ljlQo ;+:yfx?n] ug]{ gfkmfdf #) k|ltztsf] b/n] cfos/sf]
nfuL Joj:yf ul/Psf] 5 .
-^_ ut aif{x?sf] jf:tljs cfFs8f tyf cfpbf] aif{sf] ;~rfng of]hgfsf] cfwf/df ;+:yfsf] Joj:yfkgaf6 ljlQo
ljj/0f k|If]k0f ul/Psf] xf] .
-&_ k"FhL k|ofKttf sf] dfq g]kfn /fi6« a}+sn] tf]s]sf] cg'kft cg'?k /xg] u/L k|If]k0f ul/Psf] 5 . h; cg'?k
k"FhLsf]ifsf] cg'kft cf=j=@)&^÷&&, @)&&÷&* / @)&*÷&(, sf] nfuL s|dzM !^=)&, !#=&*, !@=$$ k|ltzt /
k|fylds k"FhLsf] cg'kft cf=j= @)&^÷&&, @)&&÷&* / @)&*÷&( sf] nfuL qmdzM !%=)^, !@=&* / !!=$$
k|ltzt x'g]u/L k|If]k0f ul/Psf] 5 .
-*_ ;+:yfsf] Joj:yfkgn] ug]{ of]hgf cg';f/ cf=j= @)&^÷&& sf] d'gfkmaf6 @)&& ciff9 d;fGt ;Dddf sfod
/x]sf] r'Qmf k"FhLsf] !# k|ltzt af]g; k|:tfj ug'{sf] ;fy} cf=j=@)&&÷&* / @)&*÷&( sf] nfuL qmdzM !* / @)
k|ltzt nfef+z ljt/0f ug{ ;Sg] k|If]k0f ul/Psf] 5 .
cfly{s jif{ @)&%÷&^ kl5sf k|If]k0fsf nflu cf=j= @)&%÷&^ df xsk|b z]o/ lgisf;g kl5sf] ;+:yfsf] cfly{s
cj:yfnfO{ ;|f]t dflg k|If]k0f k|:t't ul/Psf] 5 .
ljut tyf cfufdL # aif{sf] g]6jy{df ePsf] cf}ift k|ltkmn M
-?= xhf/df_
ljj/)f
jf:tljs * cf=j=
075÷76sf]
ciff( d;fGt
;Dd
**k|If]lkt
cf=j
072÷073
cf=j
073÷074
cf=j=
2074÷075
cf=j=
2076÷077
cf=j=
2077÷078
cf=j=
2078÷079
r'Qmf k"FhL !,)%,))) !,)(,&@% !,!$,!!$ !,!(,*!( @,^$,#$% @,*%,$(# #,!$,)$@
hu]8f sf]if tyf ;+lrt
gfkmf
!,*^%=$# #,!)$=(@ %,&)^=*) @),(&(=)$ #@,@$^ $$,**@ ^&,)*^
s'n !,)^,*^%=$# !,!@,*@(=(@ !,!(,*@)=*) !,$),&(*=)$ @,(^,%(! #,#),#&% #,*!,!@*
36fpg] M ckn]vg ug{
afFsL vr{
- - - - - -
s'n g]6jy{ !,)^,*^%=$# !,!@,*@(=(@ !!(,*@)=*) !$),&(*=)$ @,(^,%(! #,#),#&% #,*!,!@*
v'b gfkmf ÷gf]S;fg 3,653.54 6,213.17 11,264.38 16,047.51 41,678 60,218 79,303
z]o/ ;+Vof -xhf/df_ 1,000 1,050 1,097.25 1141.14 2197.93 2,643.45 2,854.93
k|lt z]o/ g]6jy{ -?=_ 106.87 107.46 109.20 123.38 134.94 124.98 133.49
g]6jy{df k|ltkmn*** 3.41 5.51 9.40 11.39 14.05 18.20 20.81
k|lt z]o/ cfDbfgL**** 3.65 5.92 10.26 14.06 18.96 22.78 27.78
g]6jy{df cf};t k|ltkmn 6.61 23.17
lgisfzg k"j{sf] k|lt z]o/ cfDbfgL (EPS) sfod /fVg a[l4 x'g] g]6jy{df cfjZos Go"gtd
k|ltkmn k|ltztdf
!@=%(
* cf=a= @)&%÷&^ sf] ljlQo ljj/0f k|dfl0ft ug]{ lj1 l;=P=>L ljlkg b]jsf]6f, s]=lj lrqsf/ P08
sDkgL, sf7df08f}n] k|dfl0ft ul/sf] xf] . ;f] ljj/0f ;fwf/0f ;ef af6 kfl/t x'g afFsL /x]sf] 5 .
**k|If]lkt ljQLo ljj/0f ljQLo ;+:yf cfkm}n] tof/ kf/]sf] / ;f] ljj/0f oyfy{k/s /x]sf] egL k|dfl0ft
ug]{ lj1df l;=P=>L /ljg s'df/ >]i7, cf/=s]= Pzf]lzP6;\, sf7df8f}+ /x]sf] 5 .
**g]6jy{sf] u0fgf g]kfn n]vfdfg adf]lhd ul/Psf] 5 .
**** cfly{s aif{ @)&^÷&& sf] k|ltz]o/ cfDbfgL tyf z]o/ ;+Vof g]kfn n]vfdfg adf]lhd pNn]v
ul/Psf] 5 .
t_ ;+ul7t ;+:yfsf] kl5Nnf] aif{sf] n]vfk/LIf0f ePsf] jf;nft / gfkmf gf]S;fg lx;fasf] ljj/0f M
-s_ ljQLo ;+:yfsf] cf=j= @)&%÷&^ sf] jf;nft, gfkmf-gf]S;fg lx;fj tyf gub k|jfxsf] ljj/0f b]xfo adf]lhd
/x]sf] 5 M
jf;nft
ldlt @)&% >fj0f ! ut] b]lv @)&^ cfiff9 d;fGt;Dd
ljj/0f /sd-?= xhf/df_
k"+hL tyf bfloTj != z]o/ k"+hL !,!(,*!(=&)
@= hu]8f sf]ifx? @),(&(=)$
#= C0fkq tyf jG8 –
$= ltg{ jf+sL shf{ tyf ;fk6 ^,!$,*@(=**
%= lgIf]k bfloTj @,&!,!@%=&$
^= k|:tfljt gub nfef+z %,&)%=&)
&= cfos/ bfloTj &,$^!=#^
*= cGo bfloTj @),&)!=%%
s'n bfloTj !),^),^@@=(&
;DkQL
!= gub df}Hbft $)@=*%
@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft $,%))
#= a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft @*,!!%=(@
$= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd
%= nufgL –
^= shf{ tyf ;fk6 !),)#,&#)=@)
&= l:y/ ;DkQL !@,)^@=(&
*= u}/ j}+ls+u ;DkQL –
(= cGo ;DkQL !!,*!!=)#
s'n ;DkQL !),^),^@@=(&
gfkmf gf]S;fg lx;fa
@)&% >fj0f ! ut] b]lv @)&^ cfiff9 d;fGt ;Dd
ljj/0f /sd -?= xhf/df_
1= Aofh cfDbfgL 1,30,456.39
2= Aofh vr{ 65,825.17 v"b Aofh cfDbfgL 64,631.22
3= sldzg tyf cGo ;+rfng cfDbfgL 31,660.04
4= ;6xL 36a9 cfDbfgL
–
s"n ;+rfng cfDbfgL 96,291.26
5= sd{rf/L vr{ 39,808.36
6= cGo ;+rfng vr{ 21,501.91
7= ;6xL 36a9 gf]S;fg
–
;+Defljt gf]S;fgL Joj:yf cl#sf] ;~rfng d"gfkmf 34,980.99
8= ;Defljt gf]S;fgL Aoa:yfx? 9,319.09 ;~rfng d"gfkmf 25,661.90
9= u}/ ;~rfng cfDbfgL÷-vr{_ – 10= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ –
lgoldt sf/f]jf/af/ ePsf] d"gfkmf 25,661.90
11= c;fdfGo sf/f]jf/af6 ePsf] cfDbfgL÷vr{
–
;Dk'0f{ sf/f]jf/ ;dfj]z kl5sf] v"b d"gfkmf -gf]S;fg_ 25,661.90
12= sd{rf/L af]g; Aoa:yf 2,332.90
13= cfos/ Aoa:yf 7,281.49
o; aif{sf] s/ Joj:yf 7461.36 5,192.83
ljut aif{;Ddsf] s/ Joj:yf - -
o; aif{sf] :yug s/ -cfDbfgL_÷vr{ (179.87) (332.16)
v"b gfkmf÷gf]S;fg 16,047.51 16,047.51
gfkmf gf]S;fg afF8kmfF8 lx;fa
@)&% >fj0f ! ut] b]lv @)&^ cfiff9 d;fGt ;Ddsf]
ljj/0f /sd -?= xhf/df_
cfDbfgL
!=
ut aif{;Ddsf] ;l~rt d'gfkmf
100.09
@= o; aif{sf] d'gfkmf 16,047.51 #= z]o/ lk|ldodaf6 gfkmf gf]S;fgsf lx;fadf ;f/]sf] - $= :yug s/ sf]ifaf6 lkmtf{ - %= ;6xL 36a8 sf]if - ^= u|fxs ;+/If0f sf]if af6 vr{ u/L lkmtf{ 64.22 ^= Sd{rf/L tflnd tyf j[lt ljsf; sf]if af6 vr{ ul/ lkmtf{ 48.62 hDdf 16,260.44 vr{
!= ut aif{;Ddsf] ;l~rt gf]S;fg - @= o; aif{sf] gf]S;fg - #= ;fwf/0f hu]8f sf]if 3,209.50 $= e}k/L cfpg] hu]8f - %= ;+:yf ljsfz
sf]if
-
^= nfef+z ;dLs/0f sf]if - &= sd{rf/L ;DaGwL hu]8fx? -
*= k|:tfljt gub nfeFfz 5,705.70 (= k|:tfljt af]gz z]o/ 5,705.70 !)= laz]if hu]8f sf]if - !!= ;6xL 36a9 sf]if - !@= k"FhL lkmtf{ hu]8f sf]if - !#= k"FhL ;dfof]hg sf]if - !$= :yug s/ sf]if 179.86 !%= u|fxs ;+/If0f sf]if 160.47 !^= sd{rf/L tflnd tyf j[lt ljsf; sf]if - !^= ;+:yfut ;fdflhs pQ/bfloTj sf]if 160.47
hDdf 15,121.72 ;l~rt d'gfkmf÷gf]S;fg 1,138.73
gub k|jfx ljj/0f
ldlt @)&% ;fn >fj0f ! ut] b]lv @)&^ ;fn ciff9 d;fGt ;Dd
s|=;+= ljj/0f
cf=j= 074÷075
-s_ sf/f]jf/ ;~rfngaf6 gub k|jfx 1 gub k|flKt 1,62,116.44
1.1 Aofh cfDbfgL 1,30,456.39 1.2 sldzg tyf l8:sfpG6 cfDbfgL 31,660.05 1.3 ljb]zL ljlgdo sf/f]af/af6 cfDbfgL - 1.4 ckn]lvt shf{sf] c;'nL - 1.5 cGo cfDbfgL - 2 gub e'QmfgL (1,26,561.52)
2.1 Jofh vr{ (59,687.48) 2.2 sd{rf/L vr{ (39,808.36) 2.3 sfof{no ;+rfng vr{ (18,771.24) 2.4 cfos/ e'QmfgL (6,681.93) 2.5 cGo vr{ (1,612.51) sfo{ut k"FhL ultljlw cl3sf] gub k|jfx 35,554.91 ;~rfng ;DjlGw rfn' ;DklQdf sdL÷-j[l4_ (4,39,345.67) 1. dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ - 2. cGo cNksfnLg nufgLdf sdL÷-j[l4_ - 3. shf{ tyf ljN; vl/bdf sdL÷-j[l4_ (4,37,791.98) 4. cGo ;Dkltdf sdL÷-j[l4_ (1,553.69) ;~rfng ;DjlGw rfn' bfloTjdf -sdL_÷j[l4 3,64,984.32 1. lgIf]k bfloTjdf -sdL_÷j[l4 1,04,240.63 2. cNksfnLg ;fk6Ldf -sdL_j[l4 2,70,829.88 3. cGo bfloTjdf -sdL_j[l4 (10,086.19) -v_ nufgL sf/f]jf/df gub k|jfx (6,052.71) 1. bL3{sfnLg nufgLdf sdL÷-j[l4_ -
v_ cfly{s aif{ ;dfKt ePkl5 xsk|b z]o/ lgisfzg ;DalGw Joj:yf / ljj/0fx? k]z u/]df, cfly{s aif{
;dfKt ePsf] ldltaf6 k]z u/]sf] ldlt;Dddf jf;ntsf] ldlt kl5sf] 36gfsf] af/]df 5'§} hfgsf/L
ljj/0fkqdf ;dfj]z ug'{kg]{ M cfly{s aif{ ;dfKt ePb]lv xfn;Dd o; ljlQo ;+:yfsf] ljlQo l:yltdf s'g}
c;/ k'/\ofpg] 36gf gePsf] .
u_ lwtf]kq lgisfzg v'Nnf x'g'k'j{ :jLs[t ePsf] xsk|b z]o/ lgisfzg ;DaGwL Joj:yf / ljj/0fx?df
pNn]lvt ljj/0fdf ;DalGwt lgodg lgsfosf] lgodg Joj:yf, lgb]{zg jf cGo s'g} sf/0faf6 Joj;fo
;~rfngsf] qmddf x'g] ;fdfGo kl/jt{g afx]s nufgLstf{sf lg0f{odf vf; c;/ kg]{u/L tflTjs kl/jt{g
ePdf To:tf] kl/jlt{t ljj/0f ;dfj]z u/L cfjZos ;'wf/ Pj+ ;+zf]wg ug'{kg]{ ePdf ;f] ;DalGw ljj/0fM
o; æxsk|b z]o/ lgisfzg ;DalGw Joj:yf tyf ljj/0fx?Ædf ;DlGwt lgodg lgsfosf] lgodg Jo:jyf,
lgb]{zg jf cGo s'g} sf/0faf6 nufgLstf{x?nfO{ c;/ kg]{ vfnsf tflTjt kl/jt{g ePdf To:tf] kl/jlt{t
ljj/0fæxsk|b z]o/ lgisfzg ;DalGw Joj:yf tyf ljj/0fx?Æ df ;dfa]z ul/g] / cfjZos ;'wf/ Pj+
;+zf]wg ;d]t ul/g]5 . ;fy} lgisfzg sfo{ ug'{ k'j{ ;f] ;DalGw cfjZos :jLs[tL ;d]t af]8{af6 lnO{g]5
.
y_ ;+ul7t ;+:yfn] ug]{ ePsf] sfddf lglxt ;+efljt hf]lvdx? M
s_ gofF n3'ljQ ljQLo ;+:yfx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g ;Sg] hf]lvdx? .
v_n3'ljQ ljQLo ;+:yfn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hf]lvd .
u_ b]zsf] /fhg}lts cl:y/tfaf6 cfpg ;Sg] hf]lvdx? .
3_ b]zsf] cfly{s cj:yfdf cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx? .
ª_ g]kfn ;/sf/ tyf g]kfn /fi6« a}+ssf] cfly{s tyf ljQLo gLlt lgoddf x'g] kl/jt{gaf6 >[hgf x'g ;Sg]
hf]lvdx? .
r_ lgIf]k tyf shf{sf] Jofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx? .
5_ k"+hL ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx? .
h_ cGt/f{li6«o ahf/df 36\g] cfsl:ds 36gf tyf dGbLaf6 g]kfnL ahf/df kg{ ;Sg] c;/af6 x'g ;Sg]
cfly{s hf]lvdx? .
em_ b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] ug]{ lgod lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf x'g]
;Defljt hf]lvdx? .
`_ b]zsf] a}b]lzs gLltdf x'g ;Sg] kl/jt{g tyf a}b]lzs d'b|fsf] ljlgdo b/df 36\a9 eO{ pTkGg x'g ;Sg]
;Defljt hf]lvdx? . n3'ljQ ljQLo ;+:yfsf] shf{ tyf nufgL v/fa eO{ x'g;Sg] hf]lvdx?sf] nflu
n3'ljQ ljQLo ;+:yfn] shf{ tyf nufgL hf]lvd sf]ifsf] Joj:yf ug]{5 . n3'ljQ ljQLo ;+:yfn] ljQ
ahf/df x'g] k|lt:kwf{sf] ;fy} If]qLos/0f / ljZjJofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g
;Sg] hf]lvdx? Go"gLs/0f ug{sf nflu hgzlQm ljsf;df Wofg k'¥ofpg'sf] ;fy} cGo Joj;flos
hf]lvdx?af6 l;h{gf x'g;Sg] xfgL–gf]S;fgLsf] nflu Joj:yfkg rgfvf] eO{ ;Defljt xfgL–gf]S;fgL sd
ug{ ;Ifd / k|lta4 5 . To:t} cGo ljleGg hf]lvdx? Go"gLs/0fsf nflu k|efjsf/L cfGtl/s lgoGq0f
k|0ffnL, ;dofg';f/sf] cfw'lgs k|ljlw, :ki6 gLlt tyf lgodx?sf] lgdf{0f Pjd\ ;dofg';f/ cfˆgf] ;]jf
tyf ;'ljwfx?df kl/jt{g ub}{ nlug] n3'ljQ ljQLo ;+:yfsf] gLlt /x]sf] Joxf]/f hfgsf/L u/fpF5f}+ .
2. :yL/ ;DklQdf sld÷-j[l4_ (6,052.71) 3. bL3{sfnLg nufgLdf Jofh cfDbfgL - 4. nfef+z cfDbfgL 5. cGo - -u_ ljlQo >f]t sf/f]jf/df gub k|jfx 10,635.81 1. bL3{sfnLg C0f -j08, l8j]~r/ cflb_ df j[l4÷-sdL_ - 2. z]o/ k"+FhLdf j[l4÷-sdL_ - 3. cGo bfloTjdf j[l4÷-sdL_ 10,635.81 4. g]kfn /fi6« a}+sjf6 k||fKt ;x'lnotf k"/gshf{df j[l4÷-sdL_ -
-3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/sjf6 cfDbfgL÷vr{
- =-ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx (34,223.33) =-r_ gub tyf a}+sdf /x]sf] z"? df}}Hbft 67,242.11 =-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 33,018.77
;Defljt cfly{s hf]lvdx?nfO{ Go"gLs/0f ug{ n3'ljQ ljQLo ;+:yfn] lgDg pkfox? cjnDjg ub}{
cfO/x]sf] 5 .
s_ cfˆgf] ;]jfnfO{ cem k|lt:kwL{ agfO{ ;b:od'vL ;]jfx? k|bfg ug]{ 5 . v_ dWosfnLg tyf bL3{sfnLg shf{ ;fk6Lx? v/fa shf{df kl/0ft eO{ pTkGg x'g] hf]lvd sd
ug{sf nflu n3'ljQ ljQLo ;+:yfn] k|efjsf/L shf{ cg'udg gLlt cjnDjg u/]sf] 5 .
u_ To:t} cGo ljleGg hf]lvdx? Go"gLs/0fsf nflu k|efjsf/L cfGtl/s lgoGq0f k|0ffnL,
;dofg';f/ cfw'lgs k|ljlw ckfgfpg], :ki6 gLlt tyf lgodx?sf] lgdf{0f Pj+ ;dofg';f/
cfˆgf] ;]jf tyf ;'ljwfx?df kl/jt{g ub}{ nlug] n3'ljQ ljQLo ;+:yfsf] gLlt /x]sf] 5 .
lwtf]kqsf] d"No kl/jt{g ;DjGwL hf]lvd
?=!))÷– k|lt z]o/sf b/n] lgisfzg ul/Psf] z]o/ d"Non] ;"rLs/0f kZrft lwtf]kq lalgdo ahf/df
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 .
n3' ljQ ljQLo ;+:yfsf] shf{ tyf nufgL v/fa eO{ x'g ;Sg] hf]lvdx?sf] nflu n3' ljQ ljQLo
;+:yfn] shf{ tyf nufgLsf] nflu hf]lvd Aoxf]g]{ sf]ifsf] Joj:yf u/]sf] 5 . n3' ljQ ljQLo ;+:yfn] ljQ
ahf/df x'g] k|lt:kwf{sf] nflu hgzlQm ljsf;df Wofg k'¥ofpg'sf] ;fy} cGo Aoj;flos hf]lvdx?af6
l;h{gf x'g ;Sg] gf]S;fgLsf] nflu Aoj:yfkg rgfvf] eO{ ;Defljt xfgL gf]S;fgL sd ug{ ;Ifd /
k|ltj4 /x]sf] 5 . o;sf] cnfjf cfˆgf] ;]jfnfO{ cem u'0f:t/Lo / k|lt:klw{ agfO{ pkef]Qmfd'vL ;]jfx?
k|bfg u/L dWosflng tyf lb3{sflng shf{ ;fk6Lx? v/fa shf{df kl/0ft eO{ pTkGg x'g] hf]lvd sd
ug{sf nflu n3' ljQ ljQLo ;+:yfn] k|efjsf/L shf{ gLlt cjnDjg u/]sf] 5 . To:t} cGo ljleGg
hf]lvdx? Go"lgs/0fsf nflu k|efjsf/L cfGtl/s lgoGq0f k|0ffnL, ;do cg';f/sf] cfw'lgs k|ljlw, :ki6
gLlt tyf lgodx?sf] lgdf{0f Pj+ ;do cg';f/ cfˆgf] ;]jf tyf ;'ljwfx?df kl/jt{g ub{} nfg] gLlt n3'
ljQ ljQLo ;+:yfsf] /x]sf] 5 .
b_ lwtf]kq afF8kmfF6 ;DAfGwL Joj:yf M
o; ljj/0f dfkm{t lgisfzg ul/g] xsk|b ;fwf/0f z]o/ lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# adf]lhd
al9df !% lbg leq xsk|b z]o/sf] afF8kmFf8 u/L afF8kmfF6 ePsf ;"rgf /fli6«o :t/sf] b}lgs klqsfdf ;"rgf
k|sflzt ul/g]5 . ;fy} g]kfn :6s PS;r]~hdf lnld6]8df ;"rLs/0f eP kZrft l;l8P; P08 lSnol/Ë
lnld6]8df btf{ u/L afF8kmfF6 ePsf] xsk|b z]o/ ef}lts k|df0fkq/lxt u/L ljB'tLo ¿kdf z]o/wgLsf] l8Dof6
vftfdf hDdf u/L vl/b laqmLsf] Joj:yf ldnfOg]5 .
w_ ;+ul7t ;+:yfsf] k|aGwkq lgodfjnL, kl5Nnf] jif{sf] n]vf k/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fa,
n]vf k/LIf0f k|ltj]bg lg/LIf0f ug{ kfOg] ;do / :yfg M
sfof{no ;doleq lgDg lnlvt :yfgx?df ;Dks{ /fvL ljQLo ;+:yfsf] k|aGwkq, lgodfjnL, jf;nft,
gfkmf—gf]S;fgsf] ljj/0f lg/LIf0f ug{ ;lsg]5 M
s_ ljQLo ;+:yfsf] /lhi68{ sfof{no, rfjlxn– &, sf7df8f}+ .
v_ lwtf]kq lgisfzg tyf laqmL k|aGws M ;]~r'/L Soflk6n dfs]{6\; lnld6]8, sf7df8f}+ Knfhf,
sf7df8f} .
g_
lgisfzg x'g] lwtf]kq k|Tofe"lt u/]sf] eP ;f] sf] ljj/0f Mlgisfzg
ul/g] xsk|b z]o/sf] nflu s'g} k|Tofe'lt ul/Psf] 5}g .
k_ z]o/ ;"rLs/0f u/fpg] ;DaGwL Joj:yf M
ælwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$Æ sf] bkmf ̂ df ePsf] Joj:yf cg';f/ lwtf]kq ;"rLs/0fsf
nflu g]kfn lwtf]kq af]8{af6 xsk|b z]o/ :jLs[t ePsf] a9Ldf ;ft sfo{ lbgleq] lwtf]kq ;"rLs/0f tyf
cef}lts/0fsf nflu g]kfn :6s PS;r]~h lnld6]8df lgj]bg lbO{ ;f] sf] hfgsf/L g]kfn lwtf]kq af]8{nfO{
lbO{g]5 / xsk|b z]o/ l:js[t ePsf] ePsf] ;ft sfo{ lbgleq ;Ël7t ;+:yfn] cfˆgf] lwtf]kqsf]
cef}ltsLs/0fsf nflu l;l8P; P08 lSnol/Ë lnld6]8df lgj]bg lbO{ ;f] sf] hfgsf/L g]kfn lwtf]kq af]8{nfO{
lbOg]5 .
km_ ;+ul7t ;+:yfsf] sf/f]jf/df c;/ kg]{ s'g} ljjfb÷d'2f dfldnf eP ;f] sf] ljj/0f M
n3'ljQ ljQLo ;+:yfsf] sf/f]jf/df c;/ kg]{ s'g} ljjfb÷d'2f dfldnf gePsf] .
a_ lwtf]kq vl/b ug{ rfxg] cfj]bsn] kfngf ug{'kg{] d'Vo s'/fx? M
s_ o; ljj/0fkq cg';f/ hf/L ul/g] xsk|b z]o/ vl/bsf nflu o; lgisfzg k|of]hgsf nflu z]o/wgL
btf{ k'l:tsf aGb ug]{ ldlt eGbf cl3Nnf] lbg ;Dd sfod z]o/wgLx?n] cfˆgf] gfddf sfod z]o/sf]
!M! sf] cg'kftdf -ljBdfg ! lsQf z]o/ a/fa/ gofF ! lsQf z]o/sf] b/n]_ z]o/ vl/bsf nflu
b/vf:t lbg ;Sg]5g\ .
v_ k|To]s z]o/wgLn] z]o/sf] xsk|b lgisfzgsf nflu b/vf:t lb+bf n3'ljQ ljQLo ;+:yfåf/f tf]lsPsf]
lglb{i6 9fFrfdf cfˆgf] z]o/wgL gDa/, xfn sfod /x]sf] z]o/ ;+Vof, z]o/ k|df0fkq gDa/-x?_, cfkm"n]
vl/b ug{ kfpg] cyjf dfu]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_ b/vf:t kmf/fddf c+u|]hL tyf g]kfnL b'a} efiffdf k"0f{ ?kn] eg'[{ kg]{5 .
3_ b/vf:t;fy k|lt z]o/ ?= !)).— sf] b/n] cfkm"n] xsk|b cfwf/df vl/b ug{ kfpg] z]o/ ;+VofnfO{
u'0fg ubf{ x'g cfpg] a/fa/sf] Psd'i7 gub /sd jf ;f] a/fa/sf] /sd a}+sdf hDdf u/]sf] ef}r/
jf 8«fˆ6 ;+nUg ePsf] x'g'kg]{5 . ef}r/ jf a}+s 8«fˆ6 dfkm{t \ /sd hDdf ubf{ ef}r/ jf 8«fˆ6 gDa/
z]o/ cfj]bg kmf/ddf clgjfo{ ?kdf v'nfpg'kg]{5 .
ª_ o; xsk|b z]o/ lgisfzg k|of]hgsf nflu z]o/wgL btf{ k'l:tsf aGb ug]{ ldlteGbf cl3Nnf]
lbg;Ddsfod 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\ .
r_ z]o/wgLx?n] tf]lsPsf] ;do÷cjlw leq z]o/sf nflu b/vf:t lbg'kg]{5 . olb s'g} z]o/wgLaf6
tf]lsPsf] ;do÷cjlw leq z]o/sf nflu b/vf:t k|fKt x'g gcfPdf To:tf] b/vf:tnfO{ z]o/
afF8kmfF8df ;dfj]z ul/g] 5}g .
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/ afF8kmfF8df ;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/ lgisfzgsf] ;dodf s'g} ljjfb ePdf jf pmh'/L k/]df ;f] sf] lgjf/0fsf nflu ljQLo
;+:yfsf] ;~rfns ;ldltsf] lg0f{o g} clGtd x'g]5 .
´_ lxtu|fxL vftf gePsf] cj:yfdf lxtu|fxL vftf g+= dfu ul/ tyf lxtu|fxL vftf gDa/ pNn]v u/]sf
z]o/wgLx?sf] vftfdf xsk|b z]o/ afF8kmfF8 eO{ sfod afF8kmfF8df k/]sf] z]o/ lsQf hDdf ul/g]5 .
`_ k|To]s z]o/wgLn] ef}lts tyf cef}lts -l8Dof6_ ?kdf /x]sf] z]o/ cg';f/ xsk|b z]o/ ebf{ cfj]bssf]
z]o/ ef}lts tyf cef}lts -l8Dof6_ h'g ?kdf sfod /x]sf] ePtfklg Pp6} cfj]bg kmf/d dfkm{t
b/vf:t lbg ;Sg]5g\ . t/ ef}lts ?kdf /x]sf] z]o/sf nflu eg] d]/f] z]o/ jf C-ASBA k|0flnaf6
cfj]bg lbg ldNg] 5}g .
e cfˆgf] xs cGo JolQmnfO{ x:tfGt/0f ug]{ u/L dgf]gog u/]sf] cj:yfdf kfnfgf ug'{kg]{ s'/fx? M
;fljssf z]o/wgLn] b]xfosf] cj:yfdf cGo s'g} AolQmn] vl/b ug{ kfpg] u/L xsk|b z]o/ laqmL v'Nnf
ePsf] cjlw leq ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#ÚÚ sf] cg';"rL—!! sf] 9fFrfdf lgj]bg lbO{
cfkm\gf] xs cGo AolQmnfO{ x:tfGt/0f ug{ ;lsg]5 .
-s_ cfk\mgf] ;Dk"0f{÷cf+lzs xs s'g} Ps JolQm jf ;+:yfnfO{ dfq k|of]u ug{ ;Sg],
-v_ dgf]gog e} z]o/sf] nflu cfj]bg ubf{ lwtf]kq ahf/sf] sf/f]af/ OsfO{ cg';f/ x'g],
-u_ xsk|b z]o/ vl/b ug]{ xs c?nfO{ dgf]lgt ug]{ z]o/jfnfn] c? z]o/jfnfsf] xs lnO{ dgf]lgt x'g
gkfOg], t/ cfk\mgf] k'/} xs pkef]u ug]{n] eg] c?sf] xs ;d]t dgf]lgtsf] ?kdf lng ;lsg],
-3_ sDkgLsf] k|aGwkq, lgodfjnLdf ePsf] Joj:yf tyf ;DalGwt lgodgstf{n] :jfldTj l;df tf]s]sf]
cj:yfdf klxn] lnPsf] jf kl5 u|x0f ul/g] z]o/ ;d]t s'n z]o/ ;+Vof ;f] l;df ggf£g] u/L dfq
dgf]lgt x'g]n] z]o/sf nflu cfj]bg ug{ ;lsg],
-ª_ ;+ul7t ;+:yfsf] k|aGwkq / lgodfjnLsf] Joj:yf cg';f/ :jfldTj tyf ;~rfns ;ldlt ;d"xs[t
ul/Psf] ePdf ;f]xL ;d"xleq /xg] u/L dfq dgf]gog ug{ ;lsg] / dgf]gog u/]kl5 sDkgLsf] z]o/
:jfldTjsf] ;+/rgf / ;~rfns ;ldltsf] agf}6df kl/jt{g x'g] ePdf ;DalGwt P]g, lgodn] tf]s]sf]
:jfldTj l;dfleq /xg] u/L kl/jt{g x'g] Joj:yf tyf dtflwsf/ ;DaGwL :ki6 Joj:yf ePsf],
-r_ k|rlnt sfg"g cg'?k dgf]lgt x'g] JolQm jf ;+:yf sfnf];"rLdf g/x]sf] tyf cof]Uo ;d]t gePsf],
-5_ xsk|b z]o/ ljqmL v'Nnf ePsf] cjlwleq cfk\mgf] xs c?nfO{ k|of]u ug{ lbg Joj:yf ul/Psf],
-h_ lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] cg';"rL—!! Afdf]lhdsf] 9fFrfdf b/vf:t lbO{ cfkm\gf]
xs cGo AolQmnfO{ x:tfGt/0f u/L lnO{g] lwtf]kqsf] r'Qmf /sdsf] Ps k|ltzt /sdn] x'g cfpg] /sd
dgf]gog ul/lbg] z]o/wgLn] a'emfPsf] z'Ns ;d]t ;dfj]z ug'{kg]{,
pk/f]Qm Joj:yfsf] cnfjf ;+:yfks tyf cGo z]o/wgLx?n] lgDgfg';f/sf yk k|rlnt Joj:yfx? kfngf
ug'{kg]{5 .
s_ r'Qmf k"FhLsf] @ k|ltzt jf ;f]eGbf sd z]o/ lnPsf ;+:yfks z]o/wgLsf] xsdf laQLo ;+:yfn] lgofds
lgsfon] tf]s]sf] b]xfosf] zt{sf] clwgdf /lx xs x:tfGt/0f ug{ ;Sg]5g eg] @ k|ltzt eGbf dfly z]o/
:jfldTj ePsfsf] xsdf g]kfn /fi6« a}+ssf] k"j{ :jLs[lt lnP/ dfq xs x:tfGt/0f ug{ ;Sg]5
v_ ;+:yfks÷;j{;fwf/0f ;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 ;+:yfksnfO{ 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] ePdf g]kfn /fi6« a}+saf6 hf/L lgb]{zg cGtu{t
/xL nufgLsf] ;|f]t / s/ r'Qmf u/]sf] x]/L ;DaGwLt laQLo ;+:yfn] 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] g]kfn /fi6« a}+saf6 hf/L lgb]{zg cg';f/ ;+:yfks z]o/wgLsf
nflu tf]lsPsf] of]Uotf (Fit & Proper Test)k"/f u/]sf] x'g'kg]{5 . ;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
laQLo ;+:yfdf k]z ug'{kg]{5 .
• o;/L lgj]bg k]z u/]kl5 & lbgsf] ;do tf]sL ljQLo ;+:yfn] 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{
laQLo ;+:yfn] ;"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 ljQLo ;+:yfsf ;~rfns, sfo{sf/L k|d'v, n]vfk/LIfs,
;lrj jf a}+ssf] 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; laQLo ;+:yf 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 gx'g] .
d_ ;+ul7t ;+:yfsf] n]vfkl/Ifs, sDkgL ;lrj, ljlQo ljj/0f k|If]k0f ug]{ ljz]if1, k|If]lkt ljj/0fsf]
k|If]k0f÷cg'dfgsf] cfwf/ tyf tl/sf af/] 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_ n3'ljQ ljQLo ;+:yfsf] n]vfk/LIfsdf rf6{8 Psfp06]06;\ ;+:yf s]=la= lrqsf/ P08 sDkgL sf7df08f}sf
l;=P=lalkg b]jsf]6f /x]sf 5g .
v_ n3'ljQ ljQLo ;+:yfsf] sDkgL ;lrjdf >L ljgf]b cfrfo{ /xg'ePsf] 5 .
u_ o; ljQLo ;+:yfsf] ljQLo ljj/0f k|If]k0f ljut jif{x?sf] sf/f]af/sf] cfwf/df lgisfzgstf{ sDkgL cfkm}n]
tof/ u/]s]f xf] . pQm ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf] ljQLo ahf/sf] l:ylt,
lgisfzgstf{ sDkgLsf] xfnsf] bIftf / lgisfzgstf{ sDkgLn] k|fKt u/]sf] xfn;Ddsf] sfo{ k|ultsf]
cfwf/df k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL k|dfl0ft ug]{ ljz]if1 rf6{8{ Psfp06]06 ;+:yf cf/=s]=
Pzf]l;o6;\ sf7df08f}sf rf6{8{ Psfp06]G6 >L /ljg s'df/ >]i7n] k|dfl0ft ug'{ePsf] 5 .
3_ of] æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ Aoa;flos ;+:yf ;]~r'/L Soflk6n dfs]{6\;
lnld6]8, sdnfbL sf7df8f}+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 ;]~r'/L Soflk6n dfs]{6\; lnld6]8, sdnfbL,
sf7df08f}+ /x]sf] 5 .
o_ xsk|b z]o/ hf/L ug'{sf] p2]ZoM
!_ g]kfn /fi6« a}ssf] lgb]{zg adf]lhd sfod x'g' kg]{ k"FhLsf]ifsf] cg'kft sfod ug{sf] nflu xsk|b z]o/
lgisfzg u/L k"FhL ;+sng ug{ .
@_ ljQLo ;+:yfsf] k"FhLut of]hgf adf]lhdsf] k"FhL k'/\ofpg] p2]Zo cg'?k ldlt @)&%÷(÷@( ut] ;DkGg
;ftf}+ aflif{s ;fwf/0f ;efaf6 !M! sf] cgkftdf xsk|b z]o/ hf/L u/L k"FFhL j[l4 ug]{ lg0f{o u/]sf]n] ;f]xL
adf]lhd k"FhL ;+sng ug{ .
#_ ljQLo ;+:yfn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwnfO{ lj:tf/ ug{sf
nflu cfjZos k"FFhL -ljQLo >f]t_ ;+sng ug{ .
$_ ljQLo ;+:yfsf] k|aGwkqdf pNn]v ul/Psf] p2]Zox? cg'?k ug'{kg]{ sfo{x?sf] nflu ljQLo ;+:yfsf] zfvf
lj:tf/ u/L sf/f]af/ j[l4 ug{ cfjZos k"FFhL -ljQLo >f]t_ h'6fpg /
%_ ljQLo ;+:yfsf] k"FhL cfwf/nfO{ dha't t'Nofpg .
^_ o; afx]s ljQLo ;+:yfn] tkl;n adf]lhdsf] of]hgf ;lxt xsk|baf6 k|fKt /sd k|of]u ug]{ lg0f{o u/]sf]
5 .
qm=;= ljj/0f /sd ?=
!= shf{ nufgL *,#),%),)))÷
@= Zfvf lj:tf/ tyf hgzlQm Joj:yfkg #,!),^$,)))÷
hDdf !!,$!,!$,)))÷
/_ xsk|b z]o/ laqmL v'Nnf cjlw M
xsk|b z]o/ lgisfzg ubf{ xsk|b z]o/sf nflu cfj]bg lng] sfo{ sDtLdf PSsfO; lbgsf nflu v'Nnf
/flvg]5 . pQm cjlwleq lgisfzg ul/Psf] ;a} lwtf]kq laqmL gePdf ;+ul7t ;+:yfn] ;"rgf k|sfzg
u/L a9Ldf yk kGw| lbgsf nflu lwtf]kqsf] b/vf:t v'Nnf /fVg ;Sg]5 / To:tf] ;"rgf k|sfzg ug'{
cufj} ;f]sf] hfgsf/L af]8{nfO{ lbOg]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
!= >L l;len n3'ljQ ljQLo ;+:yf lnld6]8, rfjlxn, sf7df8f}+ tyf o;sf ;Dk"0f{ zfvf
sfof{nox? .
@= >L ;]~r'/L Soflk6n dfs]{6\; lnld6]8, sdnfbL, sf7df08f} .
#= >L ;~r'/L sdl;{on a}s ln= sf tf]lsPsf zfvf sfof{nox? .
$= >L g]kfn lwtf]kq af]8{af6 cg'dlt lnO{ cf:jf (ASBA) ;]jfdf ;xefuL a}s tyf ljQLo
;+:yfx?af6 l; cf:jf (C-ASBA) k|0ffnL dfkm{t ;d]t cfj]bg lbg ;lsg]5 .
pk/f]Qm :yfgx?sf] cnfjf xsk|b lgisfzgsf] qmddf 8«fkm\6 ;+nUg u/L b/vf:t lbg kfOg] / o;/L
b/vf:tjfnfx?n] b/vf:t lbg rfx]df z]o/ lgisfzg aGb x'g] cl3sf] ldlt ;Dddf ;]~r'/L Soflk6n
dfs]{6\; ln=sf] gfddf lvlrPsf] Psfp06k]oL (A/c Payee) 8«fˆ6sf ;fy z]o/sf] b/vf:t kmf/fd g]kfn
;/sf/, x'nfs ;]jf dfkm{t /lhi6«L u/L ;]~r'/L Soflk6n dfs]{6\; ln=, sdnfbL, sf7df08f}+df k7fO{Psf]
lgj]bgnfO{ dfq afF8kmfF6df ;dfj]z ul/g]5 . g]kfn lwtf]kq af]8{sf6 :jLs[t k|fKt l;–cfZjf ;]jfdf
;xefuL cGo a}s tyf ljlQo ;+:yfx?df ;d]t l;–cfZjf k|0ffnL dfkm{t z]o/ b/vf:t kmf/fd a'emfpg
;lsg]5 . xsk|b z]o/sf] laqmL aGb ePsf] & -;ft_ lbg kl5 k|fKt 8«fˆ6 / b/vf:t kmf/dnfO{ z]o/
afF8kmfF8df ;dfj]z ul/g] 5}g .
b/vf:t kmf/dsf] xsdf lgisfzgstf{ sDkgL tyf lgisfzg tyf ljqmL k|aGwssf] j]e;fO6af6 ;d]t
8fpgnf]8 u/L e/]/ a'emfpg ;lsg]5 . z]o/wgLx?n] cfkm\gf] xs ;DjlGw ljj/0f lgisfzgstf{ sDkgL
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