.. 1 ..

k|f] S;L kmf/ fd>L ;+rfns ;ldlt km] jf ljsf; a} +s lnld6] 8 lrKn] 9'Ëf, jL=kL= rf] s, kf] v/ f

ljifo M k|ltlglw lgo'Qm u/ ] sf] af/ ] .

dxfzo,

==================== lhNnf ================================== g=kf=÷uf=lj=;= j8f g+= =======a: g] d÷xfdL ============================

n] To; sDkgLsf] z] o/ jfnfsf] x} l;otn] ldlt @)&@ ;fn r} q dlxgf ======== ut] ======================sf lbg x'g] sDkgLsf]

cf7f} + jflif{ s ;fwf/ 0f ;efdf : jod\ pkl: yt eO{ 5nkmn tyf lg0f{ odf ;xefuL x'g g;Sg] ePsf] n] pQm ;efdf efu

lng tyf dtbfg ug{ sf] nflu ===================== lhNnf =============== g=kf=÷uf=lj=;= j8f g+= ===== a: g] To; sDkgLsf

z] o/ jfnf >L ===================================================== ===================================== z] o/ k|df0f kq g+= ======================

nfO{ d] / f] ÷xfd|f] k|ltlglw dgf] lgt u/ L k7fPsf] 5'÷5f} + .

k|f] S;L kfpg] sf] lgj] bs

b: tvt M b: tvt M

gfd M gfd M

7] ufgf M 7] ufgf M

z] o/ wgL g+= M z] o/ wgL g+ M

z] o/ ;+Vof ========================= z] o/ ;+Vof ===========================

ldlt @)&@÷!@÷======= ldlt @)&@÷!@÷=======

gf] 6 M of] lgj] bg ;fwf/ 0f ;ef x'g'eGbf sDtLdf $* 306f cufj} a} +ssf] k|wfg sfof{ no lrKn] 9'Ëfdf k] z ul/ ;Sg' kg] { 5 .

km] jf ljsf; a} +s lnld6] 8

k|j] z–kq

z] o/ wgLsf] gfdM================================================================================================================= z] o/ k|df0f kq

g+============================= z] o/ ;d'x ===================================z] o/ lsQf=================== o; sDkgLsf] cf7f} jflif{ s

;fwf/ 0f ;ef lgDg ldlt, ;do / : yfgdf x'g] ePsf] n] pQm ;efdf pkl: ylt x'g of] k|j] z–kq hf/ L ul/ Psf] 5 .;fwf/ 0f ;ef x'g] Mldlt M @)&@ ;fn r} q #) ut] , d+unjf/ -tbg';f/ !@ clk|n @)!^_: yfg M xf] 6n kf] v/ f u|f08, 3f/ Lkf6g, kfbL{ , kf] v/ f .

;do M laxfg *=!% ah]

z] o/ wgLsf] b: tvt sDkgL ;lrj

of] k|j] z–kq ;efsIfdf k|j] z ubf{ / ;fwf/ 0f ;ef ;DkGg gx'Gh] n clgjfo{ ?kdf ;fydf / fVg'xf] nf .

.. 2 ..

.. 2 .. .. 3 ..

km] jf ljsf; a} +s lnld6] 8kf] v/ f–$, sf: sL

ljifo;"rL

qm=;+= ljifox? k[ i7

!= cf7f} + jflif{ s ;fwf/ 0f ;ef ;DaGwL ;"rgf $

@= cf7f} + jflif{ s ;fwf/ 0f ;ef ;DaGwL hfgsf/ L %

#= ;~rfns ;ldltsf] tkm{ af6 cWoIfHo"åf/ f k|: t't jflif{ s k|ltj] bg ^

$= sDkgL P] g @)^# sf] bkmf !)( -$_ adf] lhd v'nfpg' kg] { cltl/ Qm ljj/ 0fx? !$

%= lwtf] kq btf{ tyf lgisfzg lgodfjnL @)^% sf] cg';"rL–!$ sf] lgod @@ sf] pklgod -!_ ;“u ;DalGwt ljj/ 0f

!^

^= k|ltj4tf !*

&= n] vfk/ LIfssf] k|ltj] bg !(

*= jf;nft @)

(= gfkmf gf] S;fg lx;fa @!

!)= gfkmf gf] S;fg af“8kmf“8 lx;fa @@

!!= gub k|jfx ljj/ 0f @#

!@= cg';"rLx? @$

!#= sDtLdf % jif{ sf] kl/ ;"rsx? %!

!$= k|d'v n] vf gLltx? %@

!%= n] vf;“u ;DalGwt l6Kk0fLx? %^

!^= ;+: yfks / ;+: yfks ;d"xsf z] o/ wgLn] cfkm\gf] : jfldTjdf / x] sf] z] o/ cGo a} +s tyf ljQLo ;+: yfdf lwtf] / fvL shf{ lnPsf] ljj/ 0f

^#

!&= n] vfk/ LIf0f k"j{ / n] vfk/ LIF0f kZrft\sf] ljQLo ljj/ 0fsf] t'ngf ^$

!*= ckl/ is[ t ljQLo ljj/ 0f -q} dfl;s_ ^%

!(= jflif{ s ljQLo ljj/ 0f k|sfzg ug{ g] kfn / fi6« a} +sn] k|bfg u/ ] sf] : jLs[ lt ^^

@) ;~rfnsx?n] shf{ lnP÷glnPsf] ;DaGwL : jM 3f] if0ff ljj/ 0f ^&

@! k|aGwkq tyf lgodfjnLdf ;+zf] wgsf] ltg dxn] ljj/ 0f ^*

@@ / ] vf lrq -rf6{ x?_ &)

.. 4 ..

cf7f} + jflif{ s ;fwf/ 0f ;ef ;DaGwL ;"rgf

z] o/ wgL dxfg'efjx?, o; a} +ssf] ldlt @)&@ r} q )* ut] ;f] djf/ a;] sf] ] ;~rfns ;ldltsf] !&)cf} + a} 7ssf] lg0f{ ofg';f/ lgDg lnlvt ldlt, : yfg / ;dodf lgDg ljifox? pk/ 5nkmn tyf lg0f{ o ug{ sf] nflu o; a} +ssf] cf7f} + jflif{ s ;fwf/ 0f ;ef a: g] ePsf] x'Fbf sDkgL P] g @)^# sf] bkmf ^& adf] lhd of] ;"rgf k|sflzt ul/ Psf] Joxf] / f cjut u/ fpFb} ;efdf pkl: yltsf] nflu ;d] t xflb{ s cg'/ f] w ub{ 5f} + .

;ef x'g] ldlt, : yfg / ;do Mldlt M @)&@ ;fn r} q #) ut] d+unjf/ -tbg';f/ !@ clk|n, @)!^_: yfg M xf] 6n kf] v/ f u|f08, 3f/ Lkf6g, kfbL{ , kf] v/ f;do M laxfg *=!% ah]

5nkmnsf ljifox?-s_ ;fdfGo k|: tfj M

!= ;~rfns ;ldltsf] ] tkm{ af6 cWoIoHo"sf] cfly{ s jif{ @)&!÷&@ sf] jflif{ s k|ltj] bg pk/ 5nkmn u/ L kfl/ t ug] { .@= n] vfk/ LIfssf] k|ltj] bg ;lxtsf] @)&@ ;fn cfiff9 d;fGtsf] jf;nft tyf ;f] xL ldltdf ;dfKt cf=j= @)&!÷&@ sf]

gfkmf gf] S;fg lx;fa / ;f] xL cjlwsf] gub k|jfx ljj/ 0f 5nkmn u/ L kfl/ t ug] { .#= a} +s tyf ljQLo ;+: yf ;DaGwL P] g, @)^# sf] bkmf ^) tyf sDkgL P] g, @)^# sf] bkmf !!! cg';f/ a+} ssf] cfly{ s jif{

)&@÷&# sf] n] vfk/ LIf0f sfo{ sf nflu ;f] xL P] gsf] bkmf !^% -3_ adf] lhd n] vfk/ LIf0f ;ldltn] l;kmfl/ ; u/ ] adf] lhd n] vfk/ LIfs lgo'Qm ug] { / lghsf] kfl/ >lds tf] Sg] .

$= a} +ssf] lgodfanL adf] lhd ;~rfns ;ldltdf ;+: yfks z] o/ wgLx?sf] tkm{ af6 k|ltlglwTj ug] { ;~rfns kb % -kfFr_ hgf Pj+ ;j{ ;fwf/ 0f z] o/ wgLx?sf] tkm{ af6 k|ltlglwTj ug{ ] ;~rfns kb # -tLg_ sf] lgjf{ rg ug{ ] .

-v_ ljz] if k|: tfj!= ;+rfns ;ldltn] k|: tfj u/ ] adf] lhd ;fwf/ 0f ;ef k|of] hgsf nflu z] o/ wgL btf{ lstfa aGb (Book Closed) x'Fbf sfod

/ x] sf z] o/ wgLx?nfO{ r'Qmf kF"lhsf] @!=() k|ltztsf b/ n] x'g cfpg] / sd ? !&, *&, *$, ^)).– -cIf?kL ;q s/ f] 8 ;tf;L nfv rf} / f;L xhf/ 5 ;o_ dfq a/ fa/ sf] af] g; z] o/ hf/ L ug] { k|: tfj kfl/ t ug] { , ;f] cg'kftdf af] g; z] o/ hf/ L ubf{ z] o/ wgLsf] efudf x'g cfpg] bzdnj (Fraction Share) kl5sf] c+snfO{ kl5 ;dfof] hg ug] { u/ L oyfjt / fVg tyf dh{ sf] avt sfod ePsf z] o/ wgLx?nfO{ af] gz z] o/ df nfUg] cu|Ld s/ s6\6L 5'6 x'g] x'Fbf ;f] kZrft\ sfod x'g cfpg' ePsf z] o/ wgLx?af6 af] g; z] o/ df lgodfg';f/ nfUg] s/ af] gz z] o/ ljt/ 0fsf] ;dodf a'emLlng : jLs[ tL k|bfg ug] { .

@= ;+: yfks z] o/ wgLx?sf] ;d'xdf %! -PsfpGg_ k|ltzt z] o/ sfod / flv ;f] ;d'xsf] afsL (=%! -gf} bzdna PsfpGg_ k|ltzt z] o/ ;j{ ;fwf/ 0f z] o/ df kl/ 0ft ug] { / ;f] xL adf] lhd a} +ssf] ;+rfns ;ldltdf b'j} ;d'xsf] k|ltlglwTj ug] { ;+rfnsx?sf] ;+/ rgf -;+Vof_ sfod ug] { .

#= o; a} +ssf] af] g; z] o/ hf/ L u/ ] kZrft\ x'g cfpg] hf/ L tyf r'Qmf k"FhL ? ((, %), )), ))) -cIf?kL pgfG;o s/ f] 8 krf; nfv ?k} of_ dfqdf k|lt !) lsQf z] o/ a/ fa/ # lsQf z] o/ -!)M#_ sf b/ n] ? @(, *%, )), ))) -cIf?kL pGtL; s/ f] 8 krf;L nfv ?k} of_ a/ fj/ sf] xsk|b z] o/ hf/ L u/ L a} +ssf] hf/ L tyf r'Qmf k"FhL ? !, @(, #%, )), )))-cIf?kL Ps cj{ pGtL; s/ f] 8 k} lt; nfv ?k} ofF_ k'¥ofpg] .

$= a} +ssf] clws[ t, hf/ L tyf r'Qmf k"FhL j[ l4 ug] { .%= a} +ssf] k|jGwkq tyf lgodfjnLdf ;+;f] wg ug] { ;DjGwL k|: tfj kfl/ t ug] { tyf pQm ;+;f] wgdf lgodgsf/ L lgsfox?af6

km] / abn ug{ ;'emfj jf lgb] { zg lbPdf ;f] cg'?k cfjZos ;dfof] hg ug{ ;+rfns ;ldltnfO{ clVtof/ L k|bfg ug] { .^ ljljw .

-u_ ljljw .;+rfns ;ldltsf] cf1fn] ,

sDkgL ;lrj

km] jf ljsf; a} +s lnld6] 8jL=kL= rf] s, lrKn] 9'·f, kf] v/ f .

.. 4 ..

cf7f} + jflif{ s ;fwf/ 0f ;ef ;DaGwL ;"rgf

z] o/ wgL dxfg'efjx?, o; a} +ssf] ldlt @)&@ r} q )* ut] ;f] djf/ a;] sf] ] ;~rfns ;ldltsf] !&)cf} + a} 7ssf] lg0f{ ofg';f/ lgDg lnlvt ldlt, : yfg / ;dodf lgDg ljifox? pk/ 5nkmn tyf lg0f{ o ug{ sf] nflu o; a} +ssf] cf7f} + jflif{ s ;fwf/ 0f ;ef a: g] ePsf] x'Fbf sDkgL P] g @)^# sf] bkmf ^& adf] lhd of] ;"rgf k|sflzt ul/ Psf] Joxf] / f cjut u/ fpFb} ;efdf pkl: yltsf] nflu ;d] t xflb{ s cg'/ f] w ub{ 5f} + .

;ef x'g] ldlt, : yfg / ;do Mldlt M @)&@ ;fn r} q #) ut] d+unjf/ -tbg';f/ !@ clk|n, @)!^_: yfg M xf] 6n kf] v/ f u|f08, 3f/ Lkf6g, kfbL{ , kf] v/ f;do M laxfg *=!% ah]

5nkmnsf ljifox?-s_ ;fdfGo k|: tfj M

!= ;~rfns ;ldltsf] ] tkm{ af6 cWoIoHo"sf] cfly{ s jif{ @)&!÷&@ sf] jflif{ s k|ltj] bg pk/ 5nkmn u/ L kfl/ t ug] { .@= n] vfk/ LIfssf] k|ltj] bg ;lxtsf] @)&@ ;fn cfiff9 d;fGtsf] jf;nft tyf ;f] xL ldltdf ;dfKt cf=j= @)&!÷&@ sf]

gfkmf gf] S;fg lx;fa / ;f] xL cjlwsf] gub k|jfx ljj/ 0f 5nkmn u/ L kfl/ t ug] { .#= a} +s tyf ljQLo ;+: yf ;DaGwL P] g, @)^# sf] bkmf ^) tyf sDkgL P] g, @)^# sf] bkmf !!! cg';f/ a+} ssf] cfly{ s jif{

)&@÷&# sf] n] vfk/ LIf0f sfo{ sf nflu ;f] xL P] gsf] bkmf !^% -3_ adf] lhd n] vfk/ LIf0f ;ldltn] l;kmfl/ ; u/ ] adf] lhd n] vfk/ LIfs lgo'Qm ug] { / lghsf] kfl/ >lds tf] Sg] .

$= a} +ssf] lgodfanL adf] lhd ;~rfns ;ldltdf ;+: yfks z] o/ wgLx?sf] tkm{ af6 k|ltlglwTj ug] { ;~rfns kb % -kfFr_ hgf Pj+ ;j{ ;fwf/ 0f z] o/ wgLx?sf] tkm{ af6 k|ltlglwTj ug{ ] ;~rfns kb # -tLg_ sf] lgjf{ rg ug{ ] .

-v_ ljz] if k|: tfj!= ;+rfns ;ldltn] k|: tfj u/ ] adf] lhd ;fwf/ 0f ;ef k|of] hgsf nflu z] o/ wgL btf{ lstfa aGb (Book Closed) x'Fbf sfod

/ x] sf z] o/ wgLx?nfO{ r'Qmf kF"lhsf] @!=() k|ltztsf b/ n] x'g cfpg] / sd ? !&, *&, *$, ^)).– -cIf?kL ;q s/ f] 8 ;tf;L nfv rf} / f;L xhf/ 5 ;o_ dfq a/ fa/ sf] af] g; z] o/ hf/ L ug] { k|: tfj kfl/ t ug] { , ;f] cg'kftdf af] g; z] o/ hf/ L ubf{ z] o/ wgLsf] efudf x'g cfpg] bzdnj (Fraction Share) kl5sf] c+snfO{ kl5 ;dfof] hg ug] { u/ L oyfjt / fVg tyf dh{ sf] avt sfod ePsf z] o/ wgLx?nfO{ af] gz z] o/ df nfUg] cu|Ld s/ s6\6L 5'6 x'g] x'Fbf ;f] kZrft\ sfod x'g cfpg' ePsf z] o/ wgLx?af6 af] g; z] o/ df lgodfg';f/ nfUg] s/ af] gz z] o/ ljt/ 0fsf] ;dodf a'emLlng : jLs[ tL k|bfg ug] { .

@= ;+: yfks z] o/ wgLx?sf] ;d'xdf %! -PsfpGg_ k|ltzt z] o/ sfod / flv ;f] ;d'xsf] afsL (=%! -gf} bzdna PsfpGg_ k|ltzt z] o/ ;j{ ;fwf/ 0f z] o/ df kl/ 0ft ug] { / ;f] xL adf] lhd a} +ssf] ;+rfns ;ldltdf b'j} ;d'xsf] k|ltlglwTj ug] { ;+rfnsx?sf] ;+/ rgf -;+Vof_ sfod ug] { .

#= o; a} +ssf] af] g; z] o/ hf/ L u/ ] kZrft\ x'g cfpg] hf/ L tyf r'Qmf k"FhL ? ((, %), )), ))) -cIf?kL pgfG;o s/ f] 8 krf; nfv ?k} of_ dfqdf k|lt !) lsQf z] o/ a/ fa/ # lsQf z] o/ -!)M#_ sf b/ n] ? @(, *%, )), ))) -cIf?kL pGtL; s/ f] 8 krf;L nfv ?k} of_ a/ fj/ sf] xsk|b z] o/ hf/ L u/ L a} +ssf] hf/ L tyf r'Qmf k"FhL ? !, @(, #%, )), )))-cIf?kL Ps cj{ pGtL; s/ f] 8 k} lt; nfv ?k} ofF_ k'¥ofpg] .

$= a} +ssf] clws[ t, hf/ L tyf r'Qmf k"FhL j[ l4 ug] { .%= a} +ssf] k|jGwkq tyf lgodfjnLdf ;+;f] wg ug] { ;DjGwL k|: tfj kfl/ t ug] { tyf pQm ;+;f] wgdf lgodgsf/ L lgsfox?af6

km] / abn ug{ ;'emfj jf lgb] { zg lbPdf ;f] cg'?k cfjZos ;dfof] hg ug{ ;+rfns ;ldltnfO{ clVtof/ L k|bfg ug] { .^ ljljw .

-u_ ljljw .;+rfns ;ldltsf] cf1fn] ,

sDkgL ;lrj

km] jf ljsf; a} +s lnld6] 8jL=kL= rf] s, lrKn] 9'·f, kf] v/ f .

.. 5 ..

cf7f} + jflif{ s ;fwf/ 0f ;ef ;DaGwL hfgsf/ L

!= o; a} +ssf] z] o/ bflvn vf/ ] h ldlt @)&@÷!@÷!^ ut] b] lv ldlt @)&@÷!@÷#) ut] ;Dd aGb / xg] 5 . ldlt @)&@÷!@÷!% ;Dd sf/ f] af/ eO{ ldlt @)&@÷!@÷@# ut] ;Dd a} +ssf] z] o/ / lhi6«f/ u|f] d/ dr] { G6 a} +s/ lnld6] 8 sf7df08f} df k|fKt z] o/ x? dfq cf7f} + jflif{ s ;fwf/ 0f ;ef cl3 gfd;f/ L bflvn vf/ ] h ul/ g] 5 .

@= k|f] S;L Nofpg] JolQm o; a} +ssf] z] o/ wgLx? dWo] af6 x'g' kg] { 5, cGoyf k|f] S;L dfGo x'g] 5} g\ . k|f] S;L -k|ltlglw kq_ ;ef x'g' eGbf $* 306f cufj} o; a} +ssf] k|wfg sfof{ nodf bflvn eO{ ;s] sf] x'g' kg] { 5 .

#= gfafns z] o/ jfnfsf] tkm{ af6 gfafnssf] ;+/ Ifs ePsf] n] ;efdf efu lng, dtbfg ug{ jf z] o/ jfnfx? dWo] af6} cGo JolQmnfO{ k|ltlglw tf] Sg kfpg] 5, t/ cfkm' ;+/ Ifs ePsf] z] o/ jfnfsf] afx] s c?sf] k|f] S;L Nofpg kfpg] 5} g\ .

$= ;+o'Qm z] o/ jfnfx? dWo] nut lstfadf klxn] gfd pNn] v ePsf] JolQm jf ;j{ ;Ddltaf6 k|ltlglw lgo'Qm ul/ Psf] Ps JolQmnfO{ dfq ;ef xndf efu lng] / dtbfg ug] { clwsf/ x'g] 5 .

%= Ps} z] o/ wgLn] Ps eGbf a9L k|ltlglw -k|f] S;L_ lgo'Qm u/ ] sf] ] cj: yfdf æd} n] o; cl3 lbPsf] ;a} k|ltlglw kq -k|f] S;L_ ab/ u/ L of] k|ltlglw kq -k|f] S;L_ nfO{ dfGotf lbOof] ;\Æ egL 5'§} kq n] vL k7fPsf] cj: yfdf cGo ;a} k|ltlglw kq -k|f] S;L_ x? ab/ eO{ ;f] xL kq ;fy k|fKt k|ltlglw kq -k|f] S;L_ dfq dfGo x'g] 5 . ;f] adf] lhd gu/ L Ps} z] o/ wgLn] Ps eGbf a9L JolQmx?nfO{ k|ltlglw kq -k|f] S;L_ u/ ] sf] kfOPdf To: tf] ;a} k|ltlglw kq -k|f] S;L_ ab/ x'g] 5 .

^= s'g} z] o/ jfnfn] cfkm"n] lbPsf] k|f] S;L / 2 u/ L csf] { z] o/ jfnfnfO{ lbg rfx] df klxn] lbPsf] k|f] S;L / 2 u/ ] sf] lnlvt ;"rgf ;ef x'g' eGbf $* 306f cufj} a} +ssf] k|wfg sfof{ nodf k|fKt eO{ ;Sg' kg] { 5 .

&= k|f] S;L lbg] z] o/ jfnf : jo+ ;efdf pkl: yt eO{ dtbfg ug{ rfx] df lghn] d's/ / u/ ] sf] k|ltlglw -k|f] S;L_ : jt M ab/ x'g] 5 .

*= k|ltlglw -k|f] S;L_ k] z ug] { z] o/ wgL dxfg'efjn] k|f] S;L lbg] z] o/ jfnfsf] gfd, z] o/ k|df0f kq gDa/ / z] o/ lsQf pNn] v ePsf] ;"rL tof/ u/ L k] z ug'{ kg] { 5 .

(= ;fwf/ 0f ;ef ;DaGwL sfd sf/ jfxL tyf cGo sfo{ ljlw sDkgL P] g, @)^# tyf a} +s tyf ljQLo ;+: yf ;DaGwL P] g, @)^# adf] lhd x'g] 5 .

!)= a} +ssf] cf7f} + jflif{ s k|ltj] bg z] o/ wgL dxfg'efjx?sf] JolQmut 7] ufgfdf k7fOg] 5 . sf/ 0fjz k|ltj] bg k|fKt x'g g;s] df a} +ssf] k|wfg sfof{ no, -lj=kL=rf] s_ lrKn] 9'Ëf, kf] v/ f tyf o; a} +ssf zfvf sfof{ nox?df ;Dks{ / fvL k|fKt ug{ ;lsg] 5 .

!!= 5nkmnsf] ljifo cGt{ ut ljljw zLif{ ssf] ;DaGwdf z] o/ wgL dxfg'efjx?n] s'g} ljifo pk/ 5nkmn ug{ rfxg' ePdf ;f] ljifo af/ ] ;ef x'g'eGbf & -;ft_ lbg cufa} a} +ssf] k|wfg sfof{ nodf lnlvt hfgsf/ L lbg' kg] { 5 .

!@= a} +ssf] ;+rfns ;ldltdf ;: yfks z] o/ wgLx?sf] tkm{ jf6 k|ltlglwTj ug] { ;+rfns kb % -kfFr_ / ;j{ ;fwf/ 0f z] o/ wgLx?sf] tkm{ jf6 k|ltlglwTj ug] { ;+rfns kb # -tLg_ sf] lgjf{ rg ;DaGwL sfo{ qmd ;ef x'g' eGbf & -;ft_ lbg cufa} a} +ssf] k|wfg sfof{ no lrKn] 9'Ëfdf k|sflzt ul/ g] 5 .

!#= cGo yk hfgsf/ Lsf nflu z] o/ wgLx?nfO{ a} +ssf] k|wfg sfof{ no lrKn] 9'Ëf, kf] v/ fdf cfO{ taf/ b] lv z'qmaf/ ;Dd laxfg !)M)) ah] b] lv $M)) ah] ;Dd ;Dk{ s / fVg' x'g tyf o; a} +ssf] cflwsf/ Ls j] a ;fO6 www.fewabank.com.np x] g'{ x'g ;d] t cg'/ f] w 5 .

.. 6 ..

;+rfns ;ldltsf] tkm{ jf6 cWoIfHo"åf/ f k|: t't jflif{ s k|ltj] bg

cfb/ 0fLo z] o/ wgL dxfg'efjx?,

km] jf ljsf; a} +s lnld6] 8sf] cf7f} + jflif{ s ;fwf/ 0f ;efdf efu lng tyf ;DkGg ug{ pkl: yt x'g'ePsf ;Dk"0f{ z] o/ wgL dxfg'efjx?df ;~rfns ;ldltsf] tkm{ af6 cWoIf d / fdeQm / l~ht xflb{ s : jfut Pj+ k|ftsflng clejfbg ub{ 5' . cfhsf] o; ul/ dfdo ;efdf oxFfx? ;dIf a} +ssf] cf7f} + jflif{ s k|ltj] bg k|: t't ug{ kfpFbf xfdLnfO{ Hofb} v'zL nfu] sf] 5 . cfly{ s jif{ @)&!÷&@ cyf{ t\ @)&! >fj0f ! ut] b] lv @)&@ cfiff9 d;fGt;Ddsf] a} +ssf] ultljlw, @)&@ cfiff9 d;fGtsf] jf;nft, gfkmf gf] S;fg lx;fa, gfkmf gf] S;fg afF8kmfF8 lx;fa, gub k|jfx ljj/ 0f tyf cGo ljQLo ljj/ 0fx?sf ;fy} ;f] pk/ n] vfk/ LIfssf] k|ltj] bg ;lxtsf] jflif{ s k|ltj] bg : jLs[ tsf nflu k|: t't u/ ] sf] 5' . cfb/ 0fLo z] o/ wgL dxfg'efjx?sf] ul/ dfdo pkl: yltn] a} +sn] ljutdf eP÷u/ ] sf sfdx?sf] ;dLIff u/ L eljiodf rfNg'kg{ ] sbd, ;Nnfx, ;'emfj Pj+ dfu{ bz{ gsf] ck] Iff ub{ } cf7f} + jflif{ s k|ltj] bg k|: t't ug{ uO/ x] sf] 5' .

!= ljut jif{ sf] sf/ f] af/ sf] ;dLIff @)&@ j} zfv !@ ut] sf] e'sDk tyf To; kl5sf] k/ fsDkgsf] sf/ 0f d'n'sdf 7"nf] hgwgsf] Iflt ePsf] 5 . e'sDksf

sf/ 0f * xhf/ * ;o eGbf j9Ln] hLjg u'dfPsf 5g eg] @@ xhf/ eGbf a9L 3fOt] ePsf 5g . e'sDk kZrft g] kfn ;/ sf/ åf/ f tof/ ul/ Psf] ljkt kl5sf] cfjZostf klxrfg k|ltj] bg cg';f/ e'sDkjf6 ? &)^ ca{ j/ fj/ sf] Iflt ePsf] ljj/ 0f ;fj{ hlgs ePsf] lyof] . km] jf ljsf; j} s o; b'vb\ k|fs[ lts k|sf] kdf k/ L lbj+ut ePsfx? k|lt xflb{ s >4f~hnL ck{ 0f ub} { ;Dk"0f{ 3fOt] x?sf] zL3| : jf: Yo nfesf] sfdgf ub{ 5 .

xfn g] kfnsf] ljQLo If] q cToGt} k|lt: kwL{ x'b} uO/ x] sf] / ljQLo ahf/ df c: j: y k|lt: kwf{ , pBf] u Jofkf/ sf] If] qdf b] lvPsf] ;+s'rg, nufgL d} qL jftfj/ 0fsf] cefj, Go"g k"FhLsf] ;d: of cflb sfod / x] sf] cj: yfdf ljQLo If] qsf] : yfloTj sfod / fVg, k|lt: kwf{ Tds Ifdtfdf clej[ l4 ug{ , lgIf] k tyf nufgLst{ f Pj+ cGo ;/ f] sf/ jfnfx?sf] lxt ;+/ If0f ug{ / lgodgsf/ L lgsfosf] p2] ZonfO{ kl/ k"lt{ ug{ ;d] t kf] v/ fdf s] lGb|o sfof{ no / x] sf, ljQLo If] qdf cfkm\gf] 5'§} klxrfg / Jofj;flos pTs[ i6tf xfl;n u/ ] sf ljZj ljsf; j} s lnld6] 8 / km] jf kmfOgfG; lnld6] 8 Ps cfk;df dh{ eO Ps ;an Pj+ ;Ifd / fli6«o: t/ sf] ljsf; j} ssf] ?kdf km] jf ljsf; j} s lnld6] 8n] ldlt @)&@ cfiff9 @* ut] b] lv ljlwjt ?kdf j} lsË sf/ f] jf/ ub} { cfO/ x] sf] ;j{ ljlbt} 5 .

o; jif{ clws t/ ntf;Fu} cy{ tGqdf gofF nufgLsf cj;/ x? yk gx'gfsf] sf/ 0fn] lgIf] k tyf shf{ sf] Aofhb/ df lg/ Gt/ ?kdf lu/ fj6sf] cj: yf / Åof] . b] zsf] s] Gb|Lo a} +sn] ljleGg r/ 0fdf l/ e;{ l/ kf] hf/ L u/ L ahf/ sf] clws t/ ntfnfO{ Joj: yfkg u/ ] sf] cj: yf / Xof] . ljQLo ahf/ df >f] tsf] nfutdf pNn] Vo sdL x'g uPtf klg shf{ sf] dfudf cToGt} k|lt: kwf{ sf] cj: yf / Xof] . a} +lsË ahf/ df ljBdfg / x] sf] tLj| k|lt: kwf{ , b] zleqsf] t/ n / fhgLlts cj: yf, nufgLsf ;Lldt If] qx? cflbsf afah'b a} +sn] cfˆgf] a} +lsË sf/ f] af/ nfO{ ;Gt'' lnt cj: yfdf j[ l4 ug{ ;kmn ePsf] 5 . cfly{ s jif{ @)&!÷)&@ df a} +sn] xfl;n u/ ] sf] pknAwLx?nfO{ b] xfo adf] lhd k|: t't ul/ Psf] 5 .

?= xhf/ df

ljj/ 0fcf=j= @)&)÷&!

-;fljs ljZj ± km] jf_cf=j= @)&!÷&@ j[ l4 k|ltzt

r'Qmf k"FhL 816, 215.00 995, 000.00 21.90

;fwf/ 0f hu] 8f tyf sf] ifx? 150, 419.00 189, 478.00 25.97

z] o/ wgL sf] if 966, 635.00 1, 184, 478.00 22.54

s'n ;DklQ 8, 958, 925.00 10, 744, 564.00 19.93

s'n lgIf] k 7, 767, 650.00 9, 372, 965.00 20.67

s'n shf{ tyf ;fk6L 6, 508, 579.00 8, 110, 608.00 24.61

.. 6 ..

;+rfns ;ldltsf] tkm{ jf6 cWoIfHo"åf/ f k|: t't jflif{ s k|ltj] bg

cfb/ 0fLo z] o/ wgL dxfg'efjx?,

km] jf ljsf; a} +s lnld6] 8sf] cf7f} + jflif{ s ;fwf/ 0f ;efdf efu lng tyf ;DkGg ug{ pkl: yt x'g'ePsf ;Dk"0f{ z] o/ wgL dxfg'efjx?df ;~rfns ;ldltsf] tkm{ af6 cWoIf d / fdeQm / l~ht xflb{ s : jfut Pj+ k|ftsflng clejfbg ub{ 5' . cfhsf] o; ul/ dfdo ;efdf oxFfx? ;dIf a} +ssf] cf7f} + jflif{ s k|ltj] bg k|: t't ug{ kfpFbf xfdLnfO{ Hofb} v'zL nfu] sf] 5 . cfly{ s jif{ @)&!÷&@ cyf{ t\ @)&! >fj0f ! ut] b] lv @)&@ cfiff9 d;fGt;Ddsf] a} +ssf] ultljlw, @)&@ cfiff9 d;fGtsf] jf;nft, gfkmf gf] S;fg lx;fa, gfkmf gf] S;fg afF8kmfF8 lx;fa, gub k|jfx ljj/ 0f tyf cGo ljQLo ljj/ 0fx?sf ;fy} ;f] pk/ n] vfk/ LIfssf] k|ltj] bg ;lxtsf] jflif{ s k|ltj] bg : jLs[ tsf nflu k|: t't u/ ] sf] 5' . cfb/ 0fLo z] o/ wgL dxfg'efjx?sf] ul/ dfdo pkl: yltn] a} +sn] ljutdf eP÷u/ ] sf sfdx?sf] ;dLIff u/ L eljiodf rfNg'kg{ ] sbd, ;Nnfx, ;'emfj Pj+ dfu{ bz{ gsf] ck] Iff ub{ } cf7f} + jflif{ s k|ltj] bg k|: t't ug{ uO/ x] sf] 5' .

!= ljut jif{ sf] sf/ f] af/ sf] ;dLIff @)&@ j} zfv !@ ut] sf] e'sDk tyf To; kl5sf] k/ fsDkgsf] sf/ 0f d'n'sdf 7"nf] hgwgsf] Iflt ePsf] 5 . e'sDksf

sf/ 0f * xhf/ * ;o eGbf j9Ln] hLjg u'dfPsf 5g eg] @@ xhf/ eGbf a9L 3fOt] ePsf 5g . e'sDk kZrft g] kfn ;/ sf/ åf/ f tof/ ul/ Psf] ljkt kl5sf] cfjZostf klxrfg k|ltj] bg cg';f/ e'sDkjf6 ? &)^ ca{ j/ fj/ sf] Iflt ePsf] ljj/ 0f ;fj{ hlgs ePsf] lyof] . km] jf ljsf; j} s o; b'vb\ k|fs[ lts k|sf] kdf k/ L lbj+ut ePsfx? k|lt xflb{ s >4f~hnL ck{ 0f ub} { ;Dk"0f{ 3fOt] x?sf] zL3| : jf: Yo nfesf] sfdgf ub{ 5 .

xfn g] kfnsf] ljQLo If] q cToGt} k|lt: kwL{ x'b} uO/ x] sf] / ljQLo ahf/ df c: j: y k|lt: kwf{ , pBf] u Jofkf/ sf] If] qdf b] lvPsf] ;+s'rg, nufgL d} qL jftfj/ 0fsf] cefj, Go"g k"FhLsf] ;d: of cflb sfod / x] sf] cj: yfdf ljQLo If] qsf] : yfloTj sfod / fVg, k|lt: kwf{ Tds Ifdtfdf clej[ l4 ug{ , lgIf] k tyf nufgLst{ f Pj+ cGo ;/ f] sf/ jfnfx?sf] lxt ;+/ If0f ug{ / lgodgsf/ L lgsfosf] p2] ZonfO{ kl/ k"lt{ ug{ ;d] t kf] v/ fdf s] lGb|o sfof{ no / x] sf, ljQLo If] qdf cfkm\gf] 5'§} klxrfg / Jofj;flos pTs[ i6tf xfl;n u/ ] sf ljZj ljsf; j} s lnld6] 8 / km] jf kmfOgfG; lnld6] 8 Ps cfk;df dh{ eO Ps ;an Pj+ ;Ifd / fli6«o: t/ sf] ljsf; j} ssf] ?kdf km] jf ljsf; j} s lnld6] 8n] ldlt @)&@ cfiff9 @* ut] b] lv ljlwjt ?kdf j} lsË sf/ f] jf/ ub} { cfO/ x] sf] ;j{ ljlbt} 5 .

o; jif{ clws t/ ntf;Fu} cy{ tGqdf gofF nufgLsf cj;/ x? yk gx'gfsf] sf/ 0fn] lgIf] k tyf shf{ sf] Aofhb/ df lg/ Gt/ ?kdf lu/ fj6sf] cj: yf / Åof] . b] zsf] s] Gb|Lo a} +sn] ljleGg r/ 0fdf l/ e;{ l/ kf] hf/ L u/ L ahf/ sf] clws t/ ntfnfO{ Joj: yfkg u/ ] sf] cj: yf / Xof] . ljQLo ahf/ df >f] tsf] nfutdf pNn] Vo sdL x'g uPtf klg shf{ sf] dfudf cToGt} k|lt: kwf{ sf] cj: yf / Xof] . a} +lsË ahf/ df ljBdfg / x] sf] tLj| k|lt: kwf{ , b] zleqsf] t/ n / fhgLlts cj: yf, nufgLsf ;Lldt If] qx? cflbsf afah'b a} +sn] cfˆgf] a} +lsË sf/ f] af/ nfO{ ;Gt'' lnt cj: yfdf j[ l4 ug{ ;kmn ePsf] 5 . cfly{ s jif{ @)&!÷)&@ df a} +sn] xfl;n u/ ] sf] pknAwLx?nfO{ b] xfo adf] lhd k|: t't ul/ Psf] 5 .

?= xhf/ df

ljj/ 0fcf=j= @)&)÷&!

-;fljs ljZj ± km] jf_cf=j= @)&!÷&@ j[ l4 k|ltzt

r'Qmf k"FhL 816, 215.00 995, 000.00 21.90

;fwf/ 0f hu] 8f tyf sf] ifx? 150, 419.00 189, 478.00 25.97

z] o/ wgL sf] if 966, 635.00 1, 184, 478.00 22.54

s'n ;DklQ 8, 958, 925.00 10, 744, 564.00 19.93

s'n lgIf] k 7, 767, 650.00 9, 372, 965.00 20.67

s'n shf{ tyf ;fk6L 6, 508, 579.00 8, 110, 608.00 24.61

.. 7 ..

;+rfng d'gfkmf -jf] g; tyf s/ cl3_

265, 760.00 344, 942.00 29.79

v'b d'gfkmf 171, 862.00 217, 616.00 26.62

lgis[ o shf{ -NPA_ k|ltzt 0.46 0.70

s'n k"FhLsf] if k|ltzt 13.39 13.35

k|fylds k"FhLsf] if -k|ltzt_ 12.55 12.48

k|ltz] o/ cfDbfgL 21.06 21.87

dflysf] tflnsf cg';f/ a} +ssf] k|: t't cfly{ s jif{ sf] sf/ f] jf/ ;Fu cl3Nnf] cfly{ s jif{ sf] -;fljs ljZj ljsf; a} +s lnld6] 8 / ;fljs km] jf kmfOgfG; lnld6] 8_] sf/ f] jf/ x?sf] t'ngf ubf{ r'Qmf k"FhLdf @!=() k|ltztn] , ;fwf/ 0f hu] 8f tyf sf] ifdf ePsf] / sddf @%=(& k|ltztn] / z] o/ wgL sf] ifdf @@=%$ k|ltztn] j[ l4 ePsf] 5 . To;} u/ L s'n ;Dkltdf @)=^& k|ltztn] j[ l4 eO{ ? !) ca{ &$ s/ f] 8 $% nfv ^$ xhf/ , s'n lgIf] kdf @)=^& k|ltztn] j[ l4 eO{ ? ( ca{ #& s/ f] 8 @( nfv ^% xhf/ , s'n shf{ tyf ;fk6Ldf @$=^! k|ltztn] j[ l4 eO{ ? * ca{ !! s/ f] 8 ^ nfv * xhf/ k'u] sf] 5 . a} +ssf] ] ;+rfng d'gfkmfdf @(=&( k|ltztn] j[ 4L eO{ ? #$ s/ f] 8 $( nfv $@ xhf/ ePsf] 5 eg] v'b d'gfkmfdf @^=^@ k|ltztn] j[ l4 u/ L ? @! s/ f] 8 &^ nfv !^ xhf/ cfh{ g ug{ a} +s ;kmn ePsf] 5 . cl: y/ / fhlglts cj: yf, nufgL d} qL jftfj/ 0fsf] cefj, a9\bf] nf] 8;] l8ª, a} +lsª If] qdf ePsf gLltut kl/ jt{ g, k|lt: kwL{ a} +lsª ahf/ cflbsf afah'b klg a} +sn] cfly{ s jif{ )&!÷&@ df cfkm\gf ljQLo ;"rsf+sx? ;sf/ fTds / fVg ;kmn ePsf] 5 . o;nfO{ xfdLn] ;Gtf] ifhgs ?kdf lnPsf 5f} / cfb/ 0fLo z] o/ wgL dxfg'efjx?n] klg ;sf/ fTds ?kdf lng'x'g] 5 eGg] ck] Iff u/ ] sf 5f} .

@= cfly{ s ;dLIff M ;g\ @)!% df ljsl;t d'n'sx?sf] cfly{ s ultljlwdf ;'wf/ x'g] / pbLodfg Pj+ ljsf;lzn d'n'sx?sf] cfly{ s

ultljlwdf s] xL ;+s'rg cfpg] b] lvPsf] 5 . cGt/ f{ li6«o d'b|fsf] ifn] @)!% df hf/ L u/ ] sf] World Economic Outlook sf cg';f/ ljZjsf] cfly{ s j[ l4b/ ;g @)!$ df #=$ k|ltzt / x] sf] df ;g @)!% df #=# k|ltzt / xg] k|If] k0f 5 .

cGt/ f{ li6«o d'b|f sf] ifsf cg';f/ ;g @)!$ df pbLodfg Pj+ ljsf;zLn d'n'sx?sf] cy{ tGq $=^ k|ltztn] lj: tf/ ePsf] df ;g @)!% df To;df s] xL ;+s'rg cfO{ $=@ k|ltztn] j[ l4 x'g] k|If] k0f / x] sf] 5 . To;} u/ L ;g @)!% df Go"g cfo ePsf d'n'sx?sf] cfly{ s j[ l4b/ df ;d] t ;+s'rg cfpg] b] lvG5 . oL d'n'sx?sf] cfly{ s j[ l4b/ ;g @)!$ df ^ k|ltzt / x] sf] df ;g @)!% df %=! k|ltzt / xg] sf] ifn] hgfPsf] 5 . l5d] sL d'n's ef/ t / rLgsf] cfly{ s j[ l4b/ ;g @)!% df qmdzM &=% k|ltzt / ^=* k|ltzt / xg] sf] ifsf] k|If] k0f 5 . ;g @)!$ df oL d'n'sx?sf] cfly{ s j[ l4b/ &=# k|ltzt / &=$ k|ltzt / x] sf] lyof] . ;g @)!$ df #=@ k|ltztn] j[ l4 ePsf] ljZj Jofkf/ ;g @)!% df $=! k|ltztn] j[ l4 x'g] sf] ifsf] k|If] k0f 5 .

cfly{ s jif{ @)&!÷&@ df dg;'g l9nf ;'' ? ePsf] n] s[ lif If] qsf] j[ l4 b/ df ;+s'rg cfpg'sf ;fy} j} zfv !@ ut] sf] e'sDk Pj+ To;kl5sf k/ fsDkn] d'n'ssf] ;du| cfly{ s ultljlwdf gsf/ fTds k|efj kf/ ] sf] x'Fbf s"n u|fxYo pTkfbgsf] j[ l4b/ cl3Nnf] cfly{ s jif{ sf] t'ngfdf Go"g / xg uPsf] 5 . ;dLIff jif{ df oyf{ y s"n u|fx: y pTkfbg j[ l4 b/ cfwf/ e"t d"Nodf # k|ltzt / pTkfbssf] d"Nodf #=$ k|ltzt / x] sf] s] Gb|Lo tYofª\s ljefusf] cg'dfg 5 . cl3Nnf] jif{ o: tf] j[ l4b/ qmdzM %=! k|ltzt / %=$ k|ltzt / x] sf] lyof] . ;dLIff jif{ df s[ lif tyf u} / s[ lif If] qsf] j[ l4b/ qmdzM !=( k|ltzt / #=^ k|ltzt / x] sf] cg'dfg 5 . cl3Nnf] jif{ o: tf] j[ l4b/ qmdzM @=( k|ltzt / ^=# k|ltzt / x] sf] lyof] . ;dLIff jif{ df u} / s[ lif If] q cGtu{ t pBf] u If] q @=^ k|ltzt / ;] jf If] q #=( k|ltztn] j[ l4 ePsf] cg'dfg 5 . cl3Nnf] jif{ pBf] u If] q ^=@ k|ltztn] / ;] jf If] q ^=$ k|ltztn] j[ l4 ePsf] lyof] .

@)&@ c;f/ @% ut] ;Ddsf] gub k|jfxdf cfwfl/ t tYofª\s cg';f/ s'n ;/ sf/ L vr{ !*=( k|ltztn] j[ l4 eO{ ?= $$) ca{ (( s/ f] 8 k'u] sf] 5 . cl3Nnf] jif{ sf] ;f] xL cjlwdf o: tf] vr{ (=^ k|ltztn] j[ l4 ePsf] lyof] . s'n vr{

.. 8 ..

dWo] rfn' vr{ ?= #)) ca{ $@ s/ f] 8 k'FhLut vr{ ?=%^ ca{ ^# s/ f] 8 / ljQLo Joj: yfkg vr{ ? *# ca{ ($ s/ f] 8 / x] sf] 5 . To: t} u/ L ;/ sf/ sf] s'n ;fwg kl/ rfng cl3Nnf] jif{ !(=% k|ltztn] j[ l4 ePsf] df ;dLIff cjlwdf !)=@ k|ltztn] j[ l4 eO{ ?= $## ca{ (* s/ f] 8 k'u] sf] 5 . s"n ;fwg dWo] / fh: j ;+sng !@=* k|ltztn] j[ l4 eO{ ?=#*) ca{ ^$ s/ f] 8 k'u] sf] 5 . ;dLIff cjlwdf ;|f] t kl/ rfngsf] t'ngfdf ;/ sf/ sf] vr{ Go"g / xL ;/ sf/ L ah] 6 artdf / x] sf] n] g] kfn / fi6« a} +sdf g] kfn ;/ sf/ sf] ?=&@ ca{ $ s/ f] 8 gub df} Hbft sfod / x] sf] 5 .

cfly{ s jif{ )&!÷)&@ sf] !! dlxgf;Dddf ;f] wgfGt/ l: ylt ?=!@& ca{ @) s/ f] 8n] artdf / x] sf] 5 . cl3Nnf] cfly{ s jif{ sf] ;f] xL cjlwdf ?= !)( ca{ %^ s/ f] 8sf] ;f] wgfGt/ art / x] sf] lyof] . j: t' Jofkf/ 3f6f pRr / x] tf klg ;] jf tyf 6«fG;km/ tkm{ pNn] Vo art sfod / x] sf] n] ;dLIff cjlwdf rfn' vftf ?= (% ca{ @( s/ f] 8n] artdf / x] sf] 5 . rfn' vftf cGtu{ tsf] v'b ;] jf cfo ?= @$ ca{ #@ s/ f] 8n] artdf / xg'sf] ;fy} ljk|] if0f cfk|jfx !@=$ k|ltztn] j[ l4 eO{ ?= %%! ca{ &$ s/ f] 8 k'u] sf] 5 .

@)&@ h] 7 d;fGt;Dddf s ju{ sf #), v ju{ sf &(, u ju{ sf %) / 3 ju{ sf #^ u/ L s'n a} +s ljQLo ;+: yfsf] ;+Vof !(% / x] sf] 5 . To;} u/ L @)&@ h] 7 d;fGtdf s ju{ sf a} +sx?sf] zfvf ;+Vof !^^(, v ju{ sf a} +sx?sf] zfvf *)#, u ju{ sf ljQ sDkgLx?sf] @$!, tyf 3 ju{ sf ;+: yfx?sf] ;+Vof !!!! u/ L s"n zfvf ;+Vof #*@$ k'u] sf] 5 . o; cg';f/ a} { +s tyf ljQLo ;+: yfsf k|lt zfvfaf6 cf} iftdf &@#@ hgfn] ;] jf k|fKt ug{ ;Sg] b] lvG5 . @)&! c;f/ df o: tf] cg'kft cf} iftdf &^^^ / x] sf] lyof] .

ljQLo : yfloTj clej[ l4 ug{ canDag ul/ Psf] dh{ / gLlt sfof{ Gjogdf cfP;Fu} dh{ x'g] a} +s tyf ljQLo ;+: yfx?sf] ;+Vof a9\b} uPsf] 5 . a} +s tyf ljQLo ;+: yf Ps cfk;df ufEg] / ufleg] ;DaGwL ljlgodfjnL @)^* sfof{ Gjogdf cfPkl5 @)&@ c;f/ d;fGt;Dd &* j6f a} +s ljQLo ;+: yfx? Ps cfk;df dh{ eO{ #) j6f ;+: Yff ag] sf 5g\ .

@)&@ h] 7 d;fGt;Dddf g] kfn : 6s PS;r] Ghdf ;"rLs[ t sDkgLx?sf] ;+Vof @#@ / x] sf] 5 . jflif{ s ljGb'ut cfwf/ df @)&! c;f/ d;fGtdf !)#^=! ljGb' / x] sf] g] K;] ;'rsfª\s @)&@ c;f/ df &=@ k|ltztn] x|f; cfO{ (^!=@ ljGb'df / x] sf] 5 . lwtf] kq ahf/ k'FhLs/ 0fdf jflif{ s ljGb'ut cfwf/ df ^=$ k|ltztn] x|f; cfO{ @)&@ c;f/ d;fGtdf ?= (*( ca{ $) s/ f] 8 sfod / x] sf] 5 . ahf/ k'FhLs/ 0fsf] s'n u|fx: y pTkfbg;Fusf] cg'kft $^=^ k|ltzt / x] sf] 5 . cl3Nnf] jif{ o: tf] cg'kft %$=$ k|ltzt / x] sf] lyof] .

;dLIff cjlwdf a} +s tyf ljQLo ;+: yfsf] lgIf] k !%=$ k|ltztn] j[ l4 eO{ ?=!^@# ca{ !* s/ f] 8 k'u] sf] 5 . cl3Nnf] jif{ sf] ;f] xL cjlwdf pQm lgIf] k !@=% k|ltztn] a9] sf] lyof] . ;dLIff cjlwdf jfl0fHo a} +s, ljsf; a} +s, ljQ sDkgLx?sf] lgIf] k qmdzM !& k|ltzt, % k|ltzt / # k|ltztn] a9] sf] 5 . cfly{ s jif{ )&!÷)&@ sf] !! dlxgf;Dddf a} +s tyf ljQLo ;+: yfx?sf] shf{ tyf nufgL !%=# k|ltztn] j[ l4 eO{ ?= !%!$ ca{ !! s/ f] 8 k'u] sf] 5 . cl3Nnf] jif{ sf] ;f] xL cjlwdf o: tf] shf{ tyf nufgL !#=@ k|ltztn] a9] sf] lyof] . ;dLIff cjlwdf jfl0fHo a} +s, ljsf; a} +s, ljQ sDkgLsf] shf{ tyf nufgL qmdzM !^=& k|ltzt, ^=* k|ltzt / %=( k|ltztn] a9] sf] 5 .

cw{ jflif{ s ;dLIff M cGt/ f{ li6«o d'b|f sf] ifn] ljZjsf] cfly{ s j[ 4Lb/ ;g\ @)!% df #=! k|ltzt / ;g @)!^ df #=$ k|ltztn] lj: tf/ x'g]

k|If] k0f u/ ] sf] 5 . ;g\ @)!^ df lrlgof cy{ tGq ^=# k|ltztn] / ef/ tLo cy{ tGq &=% k|ltztn] lj: tf/ x'g] k|If] k0f 5 .

df} ;dL k|lts'ntf, dw] z cfGbf] ng / nfdf] ;do;Dd / x] sf] ;Ldf gfsf cj/ f] wsf sf/ 0f rfn' cfly{ s jif{ sf] cfly{ s kl/ b[ io ;Gtf] ifhgs / xg] b] lvb} g . o; l: yltdf cfly{ s jif{ )&@÷)&# df nlIft ^ k|ltztsf] cfly{ s j[ l4b/ xfFl;n ug{ sl7gfO{ b] lvG5 . cfk"lt{ cj/ f] w ;xh eO{ d'b|f l: k|mltdf kg{ ] bafa sd x'g] ePtf klg d"No l/ lhl86L k|efj, cd] l/ sL 8n/ alnof] x'Fb} uPsf] kl/ l: ylt tyf e"sDk kZrftsf] k'gM lgdf{ 0fn] ult lnPkl5 dfu kIfaf6 d"Nodf rfk kg{ ] ;Defjgfsf cfwf/ df rfn' cfly{ s jif{ sf] cf} ift pkef] Qmf d"No l: k|mlt b/ (=% k|ltztsf] xf/ fxf/ Ldf / xg] ;+zf] lwt cg'dfg 5 . ljk|] if0f cfk|jfxsf] j[ l4b/ pRr g} / x] sf] / k'gM lgdf{ 0fsf nflu afx\o C0f tyf ;xof] u kl/ rfng a9\g] cg'dfgsf cfwf/ df @)&# c;f/ d;fGtdf sl/ a ?=!%% ca{ sf] ;f] wgfGt/ art / xg] ;+zf] lwt cg'dfg 5 . df} lb|s

.. 8 ..

dWo] rfn' vr{ ?= #)) ca{ $@ s/ f] 8 k'FhLut vr{ ?=%^ ca{ ^# s/ f] 8 / ljQLo Joj: yfkg vr{ ? *# ca{ ($ s/ f] 8 / x] sf] 5 . To: t} u/ L ;/ sf/ sf] s'n ;fwg kl/ rfng cl3Nnf] jif{ !(=% k|ltztn] j[ l4 ePsf] df ;dLIff cjlwdf !)=@ k|ltztn] j[ l4 eO{ ?= $## ca{ (* s/ f] 8 k'u] sf] 5 . s"n ;fwg dWo] / fh: j ;+sng !@=* k|ltztn] j[ l4 eO{ ?=#*) ca{ ^$ s/ f] 8 k'u] sf] 5 . ;dLIff cjlwdf ;|f] t kl/ rfngsf] t'ngfdf ;/ sf/ sf] vr{ Go"g / xL ;/ sf/ L ah] 6 artdf / x] sf] n] g] kfn / fi6« a} +sdf g] kfn ;/ sf/ sf] ?=&@ ca{ $ s/ f] 8 gub df} Hbft sfod / x] sf] 5 .

cfly{ s jif{ )&!÷)&@ sf] !! dlxgf;Dddf ;f] wgfGt/ l: ylt ?=!@& ca{ @) s/ f] 8n] artdf / x] sf] 5 . cl3Nnf] cfly{ s jif{ sf] ;f] xL cjlwdf ?= !)( ca{ %^ s/ f] 8sf] ;f] wgfGt/ art / x] sf] lyof] . j: t' Jofkf/ 3f6f pRr / x] tf klg ;] jf tyf 6«fG;km/ tkm{ pNn] Vo art sfod / x] sf] n] ;dLIff cjlwdf rfn' vftf ?= (% ca{ @( s/ f] 8n] artdf / x] sf] 5 . rfn' vftf cGtu{ tsf] v'b ;] jf cfo ?= @$ ca{ #@ s/ f] 8n] artdf / xg'sf] ;fy} ljk|] if0f cfk|jfx !@=$ k|ltztn] j[ l4 eO{ ?= %%! ca{ &$ s/ f] 8 k'u] sf] 5 .

@)&@ h] 7 d;fGt;Dddf s ju{ sf #), v ju{ sf &(, u ju{ sf %) / 3 ju{ sf #^ u/ L s'n a} +s ljQLo ;+: yfsf] ;+Vof !(% / x] sf] 5 . To;} u/ L @)&@ h] 7 d;fGtdf s ju{ sf a} +sx?sf] zfvf ;+Vof !^^(, v ju{ sf a} +sx?sf] zfvf *)#, u ju{ sf ljQ sDkgLx?sf] @$!, tyf 3 ju{ sf ;+: yfx?sf] ;+Vof !!!! u/ L s"n zfvf ;+Vof #*@$ k'u] sf] 5 . o; cg';f/ a} { +s tyf ljQLo ;+: yfsf k|lt zfvfaf6 cf} iftdf &@#@ hgfn] ;] jf k|fKt ug{ ;Sg] b] lvG5 . @)&! c;f/ df o: tf] cg'kft cf} iftdf &^^^ / x] sf] lyof] .

ljQLo : yfloTj clej[ l4 ug{ canDag ul/ Psf] dh{ / gLlt sfof{ Gjogdf cfP;Fu} dh{ x'g] a} +s tyf ljQLo ;+: yfx?sf] ;+Vof a9\b} uPsf] 5 . a} +s tyf ljQLo ;+: yf Ps cfk;df ufEg] / ufleg] ;DaGwL ljlgodfjnL @)^* sfof{ Gjogdf cfPkl5 @)&@ c;f/ d;fGt;Dd &* j6f a} +s ljQLo ;+: yfx? Ps cfk;df dh{ eO{ #) j6f ;+: Yff ag] sf 5g\ .

@)&@ h] 7 d;fGt;Dddf g] kfn : 6s PS;r] Ghdf ;"rLs[ t sDkgLx?sf] ;+Vof @#@ / x] sf] 5 . jflif{ s ljGb'ut cfwf/ df @)&! c;f/ d;fGtdf !)#^=! ljGb' / x] sf] g] K;] ;'rsfª\s @)&@ c;f/ df &=@ k|ltztn] x|f; cfO{ (^!=@ ljGb'df / x] sf] 5 . lwtf] kq ahf/ k'FhLs/ 0fdf jflif{ s ljGb'ut cfwf/ df ^=$ k|ltztn] x|f; cfO{ @)&@ c;f/ d;fGtdf ?= (*( ca{ $) s/ f] 8 sfod / x] sf] 5 . ahf/ k'FhLs/ 0fsf] s'n u|fx: y pTkfbg;Fusf] cg'kft $^=^ k|ltzt / x] sf] 5 . cl3Nnf] jif{ o: tf] cg'kft %$=$ k|ltzt / x] sf] lyof] .

;dLIff cjlwdf a} +s tyf ljQLo ;+: yfsf] lgIf] k !%=$ k|ltztn] j[ l4 eO{ ?=!^@# ca{ !* s/ f] 8 k'u] sf] 5 . cl3Nnf] jif{ sf] ;f] xL cjlwdf pQm lgIf] k !@=% k|ltztn] a9] sf] lyof] . ;dLIff cjlwdf jfl0fHo a} +s, ljsf; a} +s, ljQ sDkgLx?sf] lgIf] k qmdzM !& k|ltzt, % k|ltzt / # k|ltztn] a9] sf] 5 . cfly{ s jif{ )&!÷)&@ sf] !! dlxgf;Dddf a} +s tyf ljQLo ;+: yfx?sf] shf{ tyf nufgL !%=# k|ltztn] j[ l4 eO{ ?= !%!$ ca{ !! s/ f] 8 k'u] sf] 5 . cl3Nnf] jif{ sf] ;f] xL cjlwdf o: tf] shf{ tyf nufgL !#=@ k|ltztn] a9] sf] lyof] . ;dLIff cjlwdf jfl0fHo a} +s, ljsf; a} +s, ljQ sDkgLsf] shf{ tyf nufgL qmdzM !^=& k|ltzt, ^=* k|ltzt / %=( k|ltztn] a9] sf] 5 .

cw{ jflif{ s ;dLIff M cGt/ f{ li6«o d'b|f sf] ifn] ljZjsf] cfly{ s j[ 4Lb/ ;g\ @)!% df #=! k|ltzt / ;g @)!^ df #=$ k|ltztn] lj: tf/ x'g]

k|If] k0f u/ ] sf] 5 . ;g\ @)!^ df lrlgof cy{ tGq ^=# k|ltztn] / ef/ tLo cy{ tGq &=% k|ltztn] lj: tf/ x'g] k|If] k0f 5 .

df} ;dL k|lts'ntf, dw] z cfGbf] ng / nfdf] ;do;Dd / x] sf] ;Ldf gfsf cj/ f] wsf sf/ 0f rfn' cfly{ s jif{ sf] cfly{ s kl/ b[ io ;Gtf] ifhgs / xg] b] lvb} g . o; l: yltdf cfly{ s jif{ )&@÷)&# df nlIft ^ k|ltztsf] cfly{ s j[ l4b/ xfFl;n ug{ sl7gfO{ b] lvG5 . cfk"lt{ cj/ f] w ;xh eO{ d'b|f l: k|mltdf kg{ ] bafa sd x'g] ePtf klg d"No l/ lhl86L k|efj, cd] l/ sL 8n/ alnof] x'Fb} uPsf] kl/ l: ylt tyf e"sDk kZrftsf] k'gM lgdf{ 0fn] ult lnPkl5 dfu kIfaf6 d"Nodf rfk kg{ ] ;Defjgfsf cfwf/ df rfn' cfly{ s jif{ sf] cf} ift pkef] Qmf d"No l: k|mlt b/ (=% k|ltztsf] xf/ fxf/ Ldf / xg] ;+zf] lwt cg'dfg 5 . ljk|] if0f cfk|jfxsf] j[ l4b/ pRr g} / x] sf] / k'gM lgdf{ 0fsf nflu afx\o C0f tyf ;xof] u kl/ rfng a9\g] cg'dfgsf cfwf/ df @)&# c;f/ d;fGtdf sl/ a ?=!%% ca{ sf] ;f] wgfGt/ art / xg] ;+zf] lwt cg'dfg 5 . df} lb|s

.. 9 ..

gLltdf lj: t[ t d'b|f k|bfos !* k|ltzt / xg] k|If] k0f / x] sf] df a9\bf] ljk|] if0f cfk|jfx / afx\o C0f tyf cg'bfgsf] sf/ 0f rfn' cfly{ s jif{ df lj: t[ t d'b|f k|bfossf] j[ l4b/ @!=% k|ltztn] x'g] ;+zf] lwt cg'dfg 5 . To: t} s"n cfGtl/ s shf{ @#=$ k|ltztn] , lghL If] qsf] @) k|ltztn] a9\g] k|If] k0f / x] sf] df cfly{ s ultljlwdf cfPsf] ;': ttfsf sf/ 0f s"n cfGtl/ s shf{ @)=& k|ltztn] tyf lghL If] qtkm{ sf] shf{ !&=% k|ltztn] a9g] ;+zf] lwt cg'dfg 5 .

#= rfn' cfly{ s jif{ sf pknAwLx? / ;+rfns ;ldltsf] wf/ 0ff M Rffn' cfly{ s jif{ sf] bf] ;|f] qodf; cyf{ t @)&@ kf} if dlxgf ;Ddsf] n] vfkl/ If0f gePsf] ;+lIfKt ljQLo ljj/ 0fnfO{

t'ngfTds ?kdf b] xfo adf] lhd k|: t't ul/ Psf] 5 . ?= xhf/ df

ljj/ 0fcf=j= @)&! Kff} if d;fGt -;fljs ljZj ± km] jf_

cf=j= @)&@ kf} if d;fGt

s'n lgIf] k 8, 514, 606.00 10, 530, 146.00

s'n shf{ tyf ;fk6 7, 368, 504.00 8, 835, 520.00

;+rfng d'gfkmf -jf] g; tyf s/ cl3_ 161, 259.52 173, 290.00

v'b d'gfkmf 102, 216.00 110, 275.00

rfn' cfly{ s jif{ sf] kf} if d;fGt ;Ddsf] n] vfkl/ If0f gePsf] ljlQo ljj/ 0f cg';f/ ;+: yfsf] s'n lgIf] k ? !) ca{ %# s/ f] 8 ! nfv $^ xhf/ / s'n shf{ ;fk6L ? * ca{ *# s/ f] 8 %% nfv @) xhf/ k'u] sf] 5 . ut aif{ sf] ;f] lx cjlwdf ;fljs ljZj ljsf; a} +s / ;fljs km] jf kmfOgfG; lnld6] 8sf] u/ L s'n lgIf] k ? * ca{ %! s/ f] 8 $^ nfv )^ xhf/ / s'n shf{ ? & ca{ #^ s/ f] 8 *% Nffv $ xhf/ / x] sf] lyof] .

a} +sn] k|ToIf / f] huf/ Ldf ;xof] u k'/ \ofpg] s[ lifhGo pBf] u, ko{ 6g pBf] u tyf cGo pTkfbgd'ns pBf] ux?sf cltl/ Qm ljleGg pkef] Uo ;fdfgx?sf] vl/ b ljlqm ug] { Jofkfl/ s k|lti7fgx?nfO{ k|fyfldstf lbO{ nufgL ub} { cfO/ x] sf] 5 . ;+: yfut 7'nf lgIf] kstf{ sf] lge{ / tfn] t/ ntf Joj: yfkgdf hf] lvd x'g] ePsf] / ;fgf tyf JolQmut lgIf] kstf{ x? a} +ssf nflu lbuf] Pj+ sd hf] lvdk'0f{ x'g] ePsf] n] ;fgf lgIf] kstf{ a9fpg] tkm{ a} +s ;hu / x] sf] 5 . cfufdL lbgdf ljkGg shf{ nfO{ ljljlws/ 0f ub} { ;f} o{ pmhf{ , kz'kfng h: tf If] qdf nufgL a9fpg] , s[ lif, ko{ 6g, pmhf{ / ;fgf tyf demf} nf pBf] unfO{ k|fyldstf lbO{ nufgL lj: tf/ ug] { , dfgj ;+;fwgnfO{ ;dofg's'n bIf agfpg tflnd lbg] , cfGtl/ s lgoGq0f k|0ffnLnfO{ k|efjsf/ L agfpg] , ;dofg's'n ;'rgf k|ljlwnfO{ cBffjlws ub} { n} hfg] of] hgf / x] sf] 5 .

$= a} +sn] k|bfg ug] { ;] jf ;'ljwfx? tyf efjL sfo{ qmds= lgIf] k÷shf{ ;'ljwfM a} +sn] ljQLo ;|f] t ;+sng ug{ df ;xof] u k'Ug] p2] Zon] u|fxssf] rfxgf adf] lhd ljleGg lsl;dsf cfs{ ifs lgIf] k

of] hgf ;+rfngdf NofO/ x] sf] 5 . ;fy} u|fxsn] dfu] sf] avt k|fKt ug{ ;lsg] AolQmut tyf ;+: yfut sn vftf / cNksflng tyf bL3{ sflng k|s[ ltsf cfjlws d'4lt lgIf] k vftfx? ;d] t ;+rfngdf NofO/ x] sf] 5 . o;/ L ;+sng ePsf] lgIf] k )&!÷&@ cfiff9 d;fGt ;Dddf ? ( ca{ #& s/ f] 8 @( nfv ^% xhf/ @ ;o &% ?k} of dfq / x] sf] 5 .

To;/ L g} a} +sn] ;+sng u/ ] sf] ljQLo ;|f] tsf] Go'gtd hf] lvddf clwstd k|ltkmn kfpg] ul/ AolQm, kmd{ , sDkgL tyf ;+: yfx?nfO{ ljleGg If] qx?df shf{ k|jfx ub} { cfO/ x] sf] 5 . shf{ nufgLsf If] qx?df d'Vo u/ ] / ;jf/ L ;fwg, JolQmut cfjf;, l/ on: 6] 6, v'b|f tyf yf] s laqmL, ko{ 6g, ljkGg ju{ , j} b] lzs / f] huf/ , s[ lif tyf kz'k+IfL kfng, ;fgf tyf demf} nf pBf] ux?, ;'g cflb If] qsf shf{ x? kb{ 5g\ . o;/ L k|jfx u/ ] sf] shf{ cf=j= )&!÷&@ ;Dddf ? * cj{ !! s/ f] 8 ^ nfv & xhf/ ( ;o ^% ?k} of k'u] sf] 5 .

lgIf] k kl/ rfngnfO{ ljljlws/ 0f ub} { shf{ nufgLsf cltl/ Qm a} +sn] ;/ sf/ L C0fkqsf] ;fy} ljleGg sDkgLx?sf]

.. 10 ..

z] o/ , Do'r'cn km08df nufgL ub} { cfO/ x] sf] 5 . cf=j= )&!÷&@ sf] cfiff9 d;fGt ;Dddf o: tf] nufgL ? !# s/ f] 8 ^! nfv / x] sf] 5 .

v= ljk|] if0f ;] jf M a} +sn] xfn Western Union, IME Remit, Himal Remit, Money Gram, Easy Remit, City Remit, Express

Money, Prabhu Money, Nepal Remit, Sulav Remit, Nabil Remit, Reliable Remit cflb nufotsf / ] ld6\ofG; sDkgLx? dfkm{ t ljb] zjf6 k7fPsf] / sd l56f] 5l/ tf] Pj+ ;j{ z'ne ?kdf ;DalGwt JolQmnfO{ a} +ssf ;a} zfvfx?af6 e'QmfgLsf] Joa: yf ul/ Psf] 5 .

u= n3'ljQ sfo{ qmd M a} +sn] Go'g cfo ePsf, ;fdflhs ?kdf lk5l8Psf dlxnf hghflt blntju{ nufot ljkGg ju{ ;d'bfosf] cfly{ s

;fdflhs pTyfgsf] nflu tL ju{ sf dlxnfx?sf] ;d"x lgdf{ 0f u/ L : j/ f] ] huf/ d'ns n3' Joj;fo ug{ k|lt ;d"x ;b: o ;fd'lxs tyf JolQmut hdfgtdf n3'ljQ shf{ k|jfx ub} { cfO/ x] sf] 5 . cfly{ s jif{ )&!÷&@ cfiff9 d;fGt ;Dddf a} +sn] ljkGg shf{ cGt{ ut (%% ;d"x cyf{ t #&)) hgf ;b: ox?nfO{ ? !% s/ f] 8 #! nfv #( xhf/ shf{ k|jfx u/ ] sf] 5 . cfufdL lbgdf ljkGg ju{ shf{ nfO{ ljljlws/ 0f u/ L cGo If] qdf klg shf{ lj: tf/ ug] { of] hgf / x] sf] 5 . ljkGg ju{ shf{ nfO{ ;'/ lIft Pj+ d[ To' ePsf ;d"x ;b: ox?sf kl/ jf/ nfO{ cltl/ Qm ef/ gk/ f] ; eGg] p2] Zon] a} +sn] n3'ljQ shf{ df cfj4 ePsf ;d"x ;b: ox?sf] hLjg jLdf ;d] t u/ ] sf] 5 .

3= ;"rgf k|ljlw M ;"rgf k|ljlwsf] ljsf;;Fu} a} +sn] cfˆgf u|fxsx?nfO{ lbg] ;] jf ;'ljwfx?df ;dofg's'n cBfjlws ub} { cfO/ x] sf]

5 . xfn a} +sn] cfˆgf u|fxsx?nfO{ SMS Banking, ABBS Banking, Nepal Telecom / Ncell df] jfOn kmf] gsf] lan e'QmfgL ;d] tsf] ;] jf lbFb} cfO/ x] sf] 5 . To: t} a} +sn] g] kfn lSnol/ ª xfp; lnld6] 8 (NCHL) sf] ] ;b: o / x] sf a+} s tyf ljQLo ;+: yfx?sf r] sx? ;+sng u/ L Online dfkm{ t r] s lSnol/ ª ;] jf k|bfg ul/ / x] sf] 5 . ;fy} a} +sn] e'QmfgL ;] jfnfO{ ;xh agfpgsf] nfuL Inter Bank Payment System (IPS) ;] jf k|bfg ug{ sf] nflu g] kfn lSno/ LË xfp; lnld6] 8;Fu ;D´f} tf ul/ ;s] sf] 5 . cfufdL lbgdf cfˆgf u|fxs ju{ x?nfO{ cfk'mn] lbg] ;] jfdf ;dofg's'n ljljlws/ 0f ub} { gofF ;] jfx? yk ul/ a} +lsª ahf/ lj: tf/ ug] { nIo / x] sf] 5 .

ª= sf8{ ;] jf M a} +sn] k|wfg sfof{ no ;lxt n] s;fO8, au/ , e} / xjf, s'Zdf, a'6jn, jflnª, b'n] uf} +8f, 6fF8L, e] 8fjf/ L, lj/ f} 6f,

cd/ l;+x, dxf/ fhu+h, u/ L !# j6f zfvfx?df cfˆg} Pl6Pd d] l;gjf6 8] lj6 sf8{ ;] jf k|bfg ub} { cfO/ x] sf] 5 .

r= a} +ssf] : t/ f] Gglt, ufEg] ÷ufleg] / k|flKt÷;dflxt ;DaGwdfM a} +ssf] rf} yf+] jflif{ s ;fwf/ 0f ;efaf6 pko'Qm a} +s tyf ljQLo ;+: yfx? vf] hLul/ dh{ ug] { clVtof/ L ;+rfns

;ldltnfO{ lbP adf] lhd ;+rfns ;ldltn] dh{ sld6L u7g ul/ dh{ sf ljsNkx?nfO{ v'Nnf / fvL / pko'Qm a} +s tyf ljQLo ;+: yfx?sf] vf] hL u/ L s] xL ;+: yfx?;Fu ljleGg r/ 0fdf 5nkmn xF'bf kf] v/ fdf k|wfg sfof{ no / x] sf] km] jf kmfOgfG; lnld6] 8;Fu ldlt @)&! kf} if & ut] Ps cfk;df ufEg] ÷ufleg] (Merger) ;DaGwL ;xdltkq -Memorandum of Understanding_ df b'j} ;+: yfx?sf] tkm{ jf6 x: tfIf/ eO{ ;DjlGwt lgsfojf6 cfjZos l: js[ t lnO ldlt @)&@ c;f/ @* ut] b] lv ;+o'Qm ?kdf km] jf ljsf; a} +ssf] ?kdf sf/ f] jf/ ub} { cfO/ x] sf] 5 . g] kfn / fi6« a+} sn] hf/ L u/ ] sf] lgb{ ] zg adf] lhd / fli6«o: t/ sf] ljsf; j} sn] @)&$ c;f/ d;fGt ;Dd r'Qmf k"hL ? @ cj{ %) s/ f] 8 k'¥ofpg'kg{ ] ePsf] n] dh{ / Pj+ PlSjlh;gsf] ljsNknfO{ v'Nnf / flvPsf] 5 .

5= zfvf lj: tf/ ;DaGwdf M xfn o; a} +sn] k|wfg sfof{ no ;lxt b] zsf ljleGg efudf u/ L @& j6f sfof{ nox?jf6 a} +lsË ;] jf k|bfg ub} {

cfO{ / x] sf 5 . zfvfx?nfO{ yk lj: tf/ ub} { n} hfg] gLlt cg'?k o;} cfly{ s jif{ df n] vgfy gu/ kflnsfsf] tfnrf] s

.. 10 ..

z] o/ , Do'r'cn km08df nufgL ub} { cfO/ x] sf] 5 . cf=j= )&!÷&@ sf] cfiff9 d;fGt ;Dddf o: tf] nufgL ? !# s/ f] 8 ^! nfv / x] sf] 5 .

v= ljk|] if0f ;] jf M a} +sn] xfn Western Union, IME Remit, Himal Remit, Money Gram, Easy Remit, City Remit, Express

Money, Prabhu Money, Nepal Remit, Sulav Remit, Nabil Remit, Reliable Remit cflb nufotsf / ] ld6\ofG; sDkgLx? dfkm{ t ljb] zjf6 k7fPsf] / sd l56f] 5l/ tf] Pj+ ;j{ z'ne ?kdf ;DalGwt JolQmnfO{ a} +ssf ;a} zfvfx?af6 e'QmfgLsf] Joa: yf ul/ Psf] 5 .

u= n3'ljQ sfo{ qmd M a} +sn] Go'g cfo ePsf, ;fdflhs ?kdf lk5l8Psf dlxnf hghflt blntju{ nufot ljkGg ju{ ;d'bfosf] cfly{ s

;fdflhs pTyfgsf] nflu tL ju{ sf dlxnfx?sf] ;d"x lgdf{ 0f u/ L : j/ f] ] huf/ d'ns n3' Joj;fo ug{ k|lt ;d"x ;b: o ;fd'lxs tyf JolQmut hdfgtdf n3'ljQ shf{ k|jfx ub} { cfO/ x] sf] 5 . cfly{ s jif{ )&!÷&@ cfiff9 d;fGt ;Dddf a} +sn] ljkGg shf{ cGt{ ut (%% ;d"x cyf{ t #&)) hgf ;b: ox?nfO{ ? !% s/ f] 8 #! nfv #( xhf/ shf{ k|jfx u/ ] sf] 5 . cfufdL lbgdf ljkGg ju{ shf{ nfO{ ljljlws/ 0f u/ L cGo If] qdf klg shf{ lj: tf/ ug] { of] hgf / x] sf] 5 . ljkGg ju{ shf{ nfO{ ;'/ lIft Pj+ d[ To' ePsf ;d"x ;b: ox?sf kl/ jf/ nfO{ cltl/ Qm ef/ gk/ f] ; eGg] p2] Zon] a} +sn] n3'ljQ shf{ df cfj4 ePsf ;d"x ;b: ox?sf] hLjg jLdf ;d] t u/ ] sf] 5 .

3= ;"rgf k|ljlw M ;"rgf k|ljlwsf] ljsf;;Fu} a} +sn] cfˆgf u|fxsx?nfO{ lbg] ;] jf ;'ljwfx?df ;dofg's'n cBfjlws ub} { cfO/ x] sf]

5 . xfn a} +sn] cfˆgf u|fxsx?nfO{ SMS Banking, ABBS Banking, Nepal Telecom / Ncell df] jfOn kmf] gsf] lan e'QmfgL ;d] tsf] ;] jf lbFb} cfO/ x] sf] 5 . To: t} a} +sn] g] kfn lSnol/ ª xfp; lnld6] 8 (NCHL) sf] ] ;b: o / x] sf a+} s tyf ljQLo ;+: yfx?sf r] sx? ;+sng u/ L Online dfkm{ t r] s lSnol/ ª ;] jf k|bfg ul/ / x] sf] 5 . ;fy} a} +sn] e'QmfgL ;] jfnfO{ ;xh agfpgsf] nfuL Inter Bank Payment System (IPS) ;] jf k|bfg ug{ sf] nflu g] kfn lSno/ LË xfp; lnld6] 8;Fu ;D´f} tf ul/ ;s] sf] 5 . cfufdL lbgdf cfˆgf u|fxs ju{ x?nfO{ cfk'mn] lbg] ;] jfdf ;dofg's'n ljljlws/ 0f ub} { gofF ;] jfx? yk ul/ a} +lsª ahf/ lj: tf/ ug] { nIo / x] sf] 5 .

ª= sf8{ ;] jf M a} +sn] k|wfg sfof{ no ;lxt n] s;fO8, au/ , e} / xjf, s'Zdf, a'6jn, jflnª, b'n] uf} +8f, 6fF8L, e] 8fjf/ L, lj/ f} 6f,

cd/ l;+x, dxf/ fhu+h, u/ L !# j6f zfvfx?df cfˆg} Pl6Pd d] l;gjf6 8] lj6 sf8{ ;] jf k|bfg ub} { cfO/ x] sf] 5 .

r= a} +ssf] : t/ f] Gglt, ufEg] ÷ufleg] / k|flKt÷;dflxt ;DaGwdfM a} +ssf] rf} yf+] jflif{ s ;fwf/ 0f ;efaf6 pko'Qm a} +s tyf ljQLo ;+: yfx? vf] hLul/ dh{ ug] { clVtof/ L ;+rfns

;ldltnfO{ lbP adf] lhd ;+rfns ;ldltn] dh{ sld6L u7g ul/ dh{ sf ljsNkx?nfO{ v'Nnf / fvL / pko'Qm a} +s tyf ljQLo ;+: yfx?sf] vf] hL u/ L s] xL ;+: yfx?;Fu ljleGg r/ 0fdf 5nkmn xF'bf kf] v/ fdf k|wfg sfof{ no / x] sf] km] jf kmfOgfG; lnld6] 8;Fu ldlt @)&! kf} if & ut] Ps cfk;df ufEg] ÷ufleg] (Merger) ;DaGwL ;xdltkq -Memorandum of Understanding_ df b'j} ;+: yfx?sf] tkm{ jf6 x: tfIf/ eO{ ;DjlGwt lgsfojf6 cfjZos l: js[ t lnO ldlt @)&@ c;f/ @* ut] b] lv ;+o'Qm ?kdf km] jf ljsf; a} +ssf] ?kdf sf/ f] jf/ ub} { cfO/ x] sf] 5 . g] kfn / fi6« a+} sn] hf/ L u/ ] sf] lgb{ ] zg adf] lhd / fli6«o: t/ sf] ljsf; j} sn] @)&$ c;f/ d;fGt ;Dd r'Qmf k"hL ? @ cj{ %) s/ f] 8 k'¥ofpg'kg{ ] ePsf] n] dh{ / Pj+ PlSjlh;gsf] ljsNknfO{ v'Nnf / flvPsf] 5 .

5= zfvf lj: tf/ ;DaGwdf M xfn o; a} +sn] k|wfg sfof{ no ;lxt b] zsf ljleGg efudf u/ L @& j6f sfof{ nox?jf6 a} +lsË ;] jf k|bfg ub} {

cfO{ / x] sf 5 . zfvfx?nfO{ yk lj: tf/ ub} { n} hfg] gLlt cg'?k o;} cfly{ s jif{ df n] vgfy gu/ kflnsfsf] tfnrf] s

.. 11 ..

/ DofUbL lhNnfsf] j] gL gu/ kflnsfdf u/ L yk @ j6f gofF zfvf sfof{ no : yfkgf u/ L ;+rfng ug{ sf] nflu g] kfn / fi6« a} s jf6 : jLs[ lt k|fKt u/ L sfof{ no lgdf{ 0f sfo{ sf] k|lqmof cufl8 a9L;s] sf] 5 . o;} u/ L eljiodf b] zsf cGo ;DefJo If] qx?sf] cWoog u/ L a} lsË ;] jfsf] kx'r gk'u] sf If] qsf hgtfx?nfO{ ;/ n / ;xh a} lsË ;'ljwf k|bfg ub} { hfg] nIo a} +sn] lnPsf] 5 .

%= ;+: yfut ;'zf;g M ljQLo k|0ffnLnfO{ ;'b[ 9 / ;Ifd jgfO{ / fVg a} +sn] ;+: yfut ;'zf;gnfO{ ljz] if dxTj lbPsf] 5 . a} +ssf] sfd sf/ f] jf/

k|lt ;j{ ;fwf/ 0fdf ljZj;lgotf clej[ l¢ ug{ , ahf/ df lglxt shf{ k|jfxsf hf] lvdx?nfO{ Go"lgs/ 0f ug{ / ;+rfng hf] lvdnfO{ Go"gLs/ 0f ug{ ;+: yfut ;'zf;gnfO{ ljz] if Wofg lbOPsf] 5 . ;+: yfut ;'zf;g kfngf u/ fpg] ;DjGwdf o; ;+u ;DjlGwt P] g, sfg'g tyf lgodfjnL, g] kfn / fi6« a} s af6 ;do ;dodf hf/ L ePsf lgb{ ] zgx?sf] ;fy} ljleGg cfGtl/ s gLlt lgodx? agfO{ s8fOsf ;fy kfngf ub{ } cfO/ x] sf] 5 .

^= cfGtl/ s lgoGq0f k|0ffnL M a} +ssf] cfGtl/ s lgoGq0f k|0ffnL k|efjsf/ L Pj+ ;Ifd agfpgsf nflu k|rlnt P] g sfg'g tyf g] kfn / fi6« a} +saf6

hf/ L ul/ Psf] gLlt lgb] { zgx?sf] clwgdf / lx ljleGg gLlt, lgod, lgb] { lzsf agfO{ sfof{ Gjog ug'{ sf ;fy} sDkgLsf ljlgodfjnLx? h: t} ] shf{ ljlgodfjnL, cfly{ s ljlgodfjnL, shf{ c;'nL tyf ckn] vg ljlgodfjnL / sd{ rf/ L ljlgodfjnL cflbsf] k"0f{ ?kdf a} +sn] kfngf u/ ] sf] 5 . cfGtl/ s lgoGq0f k|0ffnLnfO{ cem dhj't tyf r': t b'?: t jgfpgsf nflu 5'§} cfGtl/ s n] vfkl/ If0f ljefu : yfkgf u/ L lgoldt ?kdf cfGt/ Ls n] vfkl/ Ifsaf6 n] vfkl/ If0f ug] { u/ fO{ k|fKt s} lkmotx?sf] oyflz3| ;'wf/ ug] { ul/ Psf] 5 .

&= ;+: yfut ;fdflhs pQ/ bfloTj M b] zdf a} zfv !@ df uPsf] ljgfzsf/ L dxf e"sDkdf k/ ] sf e"sDk lk8Ltx?nfO{ / fxt : j?k ;fljssf b'j} ;+: yfn] u/ L

? ^ nfv &# xhf/ & ;o ** ?k} of / &! k} ;f / ;+rfnsx?sf] eQf tyf sd{ rf/ Lx?sf] tnj jf6 ? # nfv !% xhf/ ! ;o #) ?k} of / @( k} ;f u/ L s'n ? ( nfv ** xhf/ ( ;o !( ?k} of dfq dWo] ? @ nfv #^ xhf/ * ;o * ?k} of a/ fj/ sf] 6] 06, ? @ nfv %! xhf/ ! ;o !! ?k} of a/ fj/ sf] Ifltu|: t sf: sL lhNnf l: yt u|fld0f Onfsfsf ;fj{ hlgs : s'n x?sf] c: yfoL 6x/ f lgdf{ 0fsf nflu lrqf tyf esf/ L ljt/ 0f / lkl8tx?sf nflu ? % nfv ! xhf/ k|wfgdGqL / fxt sf] ifdf gub ;xof] u k|bfg ul/ Psf] lyof] . To;} u/ L a} +sn] : yfgLo : t/ sf ;+: yfx?nfO{ ;fdflhs Pj+ / rgfTds sfo{ qmdx?df cfly{ s ;xof] u k|bfg ug'{ sf ;fy} ljleGg ;f: s[ lts kj{ Pj+ sfo{ qmdx?df ;xof] u ub} { cfO/ x] sf] 5 eg] v] ns'b tyf ko{ 6g k|j{ 4gsf nflu cfof] hgf x'g] ljleGg k|ltof] lutf tyf sfo{ qmdx?df klg a} +sn] cfly{ s ;xof] u ub} { cfO/ x] sf] 5 .

*= dfgj ;+;fwg M sd{ rf/ Lx?nfO{ pTk|] / 0ff lbg] Pj+ pgLx?sf] dgf] an pRr / fVg ;do ;dodf kfl/ >lds tyf ;'ljwf k'g/ fjnf] sg

ug] { , sfo{ ;Dkfbg d"Nofªsgsf] cfwf/ df sd{ rf/ Lx?sf] a9'jf ug] { kl/ kf6Lsf] ljsf; ul/ Psf] 5 . ;dofg's'n k|lt: kwL{ a} +lsª ;] jf k|bfg ug{ sd{ rf/ Lx?sf] bIftf Pj+ Ifdtf clej[ l4sf] nflu a] nf a] nfdf k|bfg ug] { tflnd, uf] i7L cflbdf sd{ rf/ Lx?nfO{ ;xefuL u/ fpFb} cfPsf 5f} + . To;/ L g} ;dLIff jif{ df cfGtl/ s tflnd tyf k|lzIf0f -In House Training_ Pj+ cGo lgsfox?af6 lbO{ Psf tflnd tyf sfo{ zfnf uf] i7Ldf sd{ rf/ Lx?nfO{ ;xefuL u/ fpb} cfO/ x] sf 5f} + . xfn a} +sdf sfo{ / t sd{ rf/ Lsf] ;+Vof @@@ hgf k'u] sf] 5, h;df &$ hgf dlxnf sd{ rf/ L / x] sf 5g\ .

(= nfef+z ljt/ 0f ug{ l;kmf/ L; ul/ Psf] / sd M o; a} +ssf] ;+rfns ;ldltsf] ldlt @)&@ ;fn kmfNu'0f @# ut] a;] sf] a} 7sn] z] o/ wgLx?nfO{ ldlt @)&@ ;fn cfiff9

d: ffGt ;Ddsf] ;+lrt d'gfkmfjf6 r'SQf k"hL ? *! s/ f] 8 ^@ nfv !% xhf/ $ ;osf] @!=() k|ltztsf b/ n] x'g] / sd ? !& s/ f] 8 *& nfv *$ xhf/ ^ ;o ?k} of dfqsf] ? !)).)) sf b/ sf] !& nfv *& xhf/ * ;o $^ lsQf

.. 12 ..

af] gz z] o/ ljt/ 0f ug{ k|: tfj ug] { lg0f{ o ePsf] n] pk/ f] Qm cg';f/ sf] af] g; z] o/ hf/ L ug{ o;} ;fwf/ 0f ;efdf k|: tfj ul/ Psf] 5 . o;nfO{ ;j{ ;Ddt ?kdf kfl/ t ul/ lbg' x'g] 5 eGg] ljZjf; lnPsf 5f} + .

!)= gfkmf gf] S;fg afF8kmfF8 M a} +sn] cf=j= )&!÷&@ df cfh{ g u/ ] sf] v'b gfkmf ?= @! s/ f] 8 &^ nfv !% xhf/ ̂ ;o ! ?k} of / *^ k} ;f dfq dWo] af6

@)Ü k|ltztn] x'g cfpg] / sd ? $ s/ f] 8 #% nfv @# xhf/ ! ;o @) ?k} of / #& k} ;f dfq ;fwf/ 0f hu] 8f sf] ifdf 5'6\ofO{ afFsL x'g cfpg] / sd ?= !& s/ f] 8 $) nfv (@ xhf/ $ ;o *! ?k} of / $( k} ;f dfqdf ut jif{ ;Ddsf] ;+lrt d'gfkmf ?= !# nfv ^@ xhf/ $ ;o #( ?k} of / *! k} ;f dfq / z] o/ lk|ldod jfktsf] / sd ?= %& nfv ## xhf/ & ;o (% ?k} of dfq u/ L x'g] s'n / sd ?= !* s/ f] 8 !! nfv ** xhf/ & ;o !^ ?k} of / #) k} ;f dfqdf : yug s/ ? @! Nffv $! xhf/ #& ?k} of / !# k} ;f dfq ;dfof] hg u/ ] kl5 x'g] hDdf / sd ?= !& s/ f] 8 () nfv $& xhf/ ^ ;o &( ?k} of / !& k} ;f dfq dWo] r'Qmf k"FhL ?= *! s/ f] 8 ^@ nfv !% xhf/ $ ;osf] @!=() k|ltztn] x'g] / sd ?= !& s/ f] 8 *& nfv *$ xhf/ ^ ;o ?k} of dfq a/ fa/ sf] jf] g; z] o/ ljt/ 0f ug{ sf nflu o;} ;fwf/ 0f ;efdf k|: tfj ul/ afFsL / x] sf] / sd ? @ nfv ^# xhf/ &( ?k} of / !& k} ;f dfq ;+lrt gfkmf÷gf] S;fg lx;fjdf ;fl/ Psf] 5 . af] g; z] o/ hf/ L kZrft a} +ssf] r'Qmf k"FhL ?=(( s/ f] 8 %) nfv x'g] 5 .

!!= Joj;flos ;DaGw lj: tf/ M a} +sn] cfˆgf] a} +lsª Joj;fodf k|ToIf jf ck|ToIf ;DjGw / fVg] cf} Bf] lus k|lti7fg, Jofkfl/ s ;+: yfx?, ;/ sf/ L tyf

u} x|;/ sf/ L ;+: yfx?, z} lIfs ;+: yfx? nufot cGo ;+3 ;+: yfx?;Fu ;f} xfb{ k'0f{ Pj+ ;'dw'/ ;DjGw sfod ub} { cfPsf] 5 . a} +sn] 8] enkd] G6 a} +s/ P;f] l;o;g g] kfn / kf] v/ f pBf] u jfl0fHo ;+3 h: tf ;+: yfx?sf] ;b: otf lnPsf] 5 . a} +sn] Jofj;flos sf/ f] jf/ sf] l;nl;nfdf cfˆgf u|fxsx?nfO{ ;'ljwf k'uf] ; eGg] p2] Zon] ljleGg a} +s tyf ljQLo ;+: yfx?;Fu ;Demf} tf ul/ Ps csf{ sf u|fxsx?nfO{ ;] jf ;'ljwf k'¥ofpb} cfO/ x] sf] 5 eg] b} lgs sfo{ ;Dkfbg ug{ cGo Joj;flos ;+: yfx?sf] ;DaGwnfO{ lg/ Gt/ tf lbFb} cfO/ x] sf] 5 .

!@= / fh: jdf of] ubfg M ljlQo ;: yfn] cfly{ s aif{ @)&!÷)&@ df cfos/ , Jofhs/ nufot cGo >f] tdf s/ s§L u/ LPsf] / sd ;d] t u/ L

hDdf ? !% s/ f] 8 !^ nfv !& xhf/ ^ ;o (# ?k} of dfq g] kfn ;/ sf/ nfO{ e'QmfgL u/ L ;/ sf/ sf] / fh: j ;+sngdf dxTjk"0f{ of] ubfg k'¥ofPsf] 5 .

!#= a} +ssf] sf/ f] af/ nfO{ c;/ kfg] { d'Vo tTjx? MlgIf] ksf] nfutdf x'g] ptf/ r9fj .b] zdf ljBdfg cfly{ s lzlyntf, cl: y/ / fhlglts cj: yf .a} +s tyf ljQLo ;+: yfx?sf] ;+VofTds j[ l4n] l;h{ gf u/ ] sf] c: j: y k|lt: kwf{ .nufgLsf pko'Qm If] qx?sf] cefj .lgodgsf/ L lgsfox?af6 hf/ L x'g] gLlt lgb] { zg .shf{ c;"nLdf ;d: of .cGt/ fli6«o : t/ df x'g] cfly{ s dGbL .e'sDkn] k'¥ofPsf] Iflt .

!$= n] vfk/ LIfssf] k|ltj] bg a} +ssf] cfly{ s jif{ @)&!÷&@ sf] jf;nft, gfkmf gf] S;fg lx;fa, gfkmf gf] S;fg afF8kmfF8 tyf gub k|jfx ljj/ 0f tyf

;f] ;Fu ;DalGwt cg';'rLx?sf] n] vfk/ LIf0f u/ L n] vfk/ LIfsaf6 k|: t't ePsf] n] vfk/ LIf0f k|ltj] bg pk/ n] vfk/ LIf0f ;ldltdf a[ xt 5nkmn u/ L ;'wf/ fTds ;'emfj;lxt k|fKt k|ltj] bg dfly ;+rfns ;ldltdf 5nkmn eO{ Joj: yfkgnfO{ cfjZos lgb] { zg lbO{ Psf] 5 . ;fy} n] vfk/ LIf0f sfo{ ;kmntfsf] ;fy ;dodfg} ;DkGg u/ L ;xof] u ug'{ ePsf] df n] vfk/ LIfs ;'hg sfkm\n] P08 P;f] l;o6\;sf >L ;'hg sfkm\n] Ho"nfO{ xflb{ s wGojfb lbg rfxfG5f} + .

.. 12 ..

af] gz z] o/ ljt/ 0f ug{ k|: tfj ug] { lg0f{ o ePsf] n] pk/ f] Qm cg';f/ sf] af] g; z] o/ hf/ L ug{ o;} ;fwf/ 0f ;efdf k|: tfj ul/ Psf] 5 . o;nfO{ ;j{ ;Ddt ?kdf kfl/ t ul/ lbg' x'g] 5 eGg] ljZjf; lnPsf 5f} + .

!)= gfkmf gf] S;fg afF8kmfF8 M a} +sn] cf=j= )&!÷&@ df cfh{ g u/ ] sf] v'b gfkmf ?= @! s/ f] 8 &^ nfv !% xhf/ ̂ ;o ! ?k} of / *^ k} ;f dfq dWo] af6

@)Ü k|ltztn] x'g cfpg] / sd ? $ s/ f] 8 #% nfv @# xhf/ ! ;o @) ?k} of / #& k} ;f dfq ;fwf/ 0f hu] 8f sf] ifdf 5'6\ofO{ afFsL x'g cfpg] / sd ?= !& s/ f] 8 $) nfv (@ xhf/ $ ;o *! ?k} of / $( k} ;f dfqdf ut jif{ ;Ddsf] ;+lrt d'gfkmf ?= !# nfv ^@ xhf/ $ ;o #( ?k} of / *! k} ;f dfq / z] o/ lk|ldod jfktsf] / sd ?= %& nfv ## xhf/ & ;o (% ?k} of dfq u/ L x'g] s'n / sd ?= !* s/ f] 8 !! nfv ** xhf/ & ;o !^ ?k} of / #) k} ;f dfqdf : yug s/ ? @! Nffv $! xhf/ #& ?k} of / !# k} ;f dfq ;dfof] hg u/ ] kl5 x'g] hDdf / sd ?= !& s/ f] 8 () nfv $& xhf/ ^ ;o &( ?k} of / !& k} ;f dfq dWo] r'Qmf k"FhL ?= *! s/ f] 8 ^@ nfv !% xhf/ $ ;osf] @!=() k|ltztn] x'g] / sd ?= !& s/ f] 8 *& nfv *$ xhf/ ^ ;o ?k} of dfq a/ fa/ sf] jf] g; z] o/ ljt/ 0f ug{ sf nflu o;} ;fwf/ 0f ;efdf k|: tfj ul/ afFsL / x] sf] / sd ? @ nfv ^# xhf/ &( ?k} of / !& k} ;f dfq ;+lrt gfkmf÷gf] S;fg lx;fjdf ;fl/ Psf] 5 . af] g; z] o/ hf/ L kZrft a} +ssf] r'Qmf k"FhL ?=(( s/ f] 8 %) nfv x'g] 5 .

!!= Joj;flos ;DaGw lj: tf/ M a} +sn] cfˆgf] a} +lsª Joj;fodf k|ToIf jf ck|ToIf ;DjGw / fVg] cf} Bf] lus k|lti7fg, Jofkfl/ s ;+: yfx?, ;/ sf/ L tyf

u} x|;/ sf/ L ;+: yfx?, z} lIfs ;+: yfx? nufot cGo ;+3 ;+: yfx?;Fu ;f} xfb{ k'0f{ Pj+ ;'dw'/ ;DjGw sfod ub} { cfPsf] 5 . a} +sn] 8] enkd] G6 a} +s/ P;f] l;o;g g] kfn / kf] v/ f pBf] u jfl0fHo ;+3 h: tf ;+: yfx?sf] ;b: otf lnPsf] 5 . a} +sn] Jofj;flos sf/ f] jf/ sf] l;nl;nfdf cfˆgf u|fxsx?nfO{ ;'ljwf k'uf] ; eGg] p2] Zon] ljleGg a} +s tyf ljQLo ;+: yfx?;Fu ;Demf} tf ul/ Ps csf{ sf u|fxsx?nfO{ ;] jf ;'ljwf k'¥ofpb} cfO/ x] sf] 5 eg] b} lgs sfo{ ;Dkfbg ug{ cGo Joj;flos ;+: yfx?sf] ;DaGwnfO{ lg/ Gt/ tf lbFb} cfO/ x] sf] 5 .

!@= / fh: jdf of] ubfg M ljlQo ;: yfn] cfly{ s aif{ @)&!÷)&@ df cfos/ , Jofhs/ nufot cGo >f] tdf s/ s§L u/ LPsf] / sd ;d] t u/ L

hDdf ? !% s/ f] 8 !^ nfv !& xhf/ ^ ;o (# ?k} of dfq g] kfn ;/ sf/ nfO{ e'QmfgL u/ L ;/ sf/ sf] / fh: j ;+sngdf dxTjk"0f{ of] ubfg k'¥ofPsf] 5 .

!#= a} +ssf] sf/ f] af/ nfO{ c;/ kfg] { d'Vo tTjx? MlgIf] ksf] nfutdf x'g] ptf/ r9fj .b] zdf ljBdfg cfly{ s lzlyntf, cl: y/ / fhlglts cj: yf .a} +s tyf ljQLo ;+: yfx?sf] ;+VofTds j[ l4n] l;h{ gf u/ ] sf] c: j: y k|lt: kwf{ .nufgLsf pko'Qm If] qx?sf] cefj .lgodgsf/ L lgsfox?af6 hf/ L x'g] gLlt lgb] { zg .shf{ c;"nLdf ;d: of .cGt/ fli6«o : t/ df x'g] cfly{ s dGbL .e'sDkn] k'¥ofPsf] Iflt .

!$= n] vfk/ LIfssf] k|ltj] bg a} +ssf] cfly{ s jif{ @)&!÷&@ sf] jf;nft, gfkmf gf] S;fg lx;fa, gfkmf gf] S;fg afF8kmfF8 tyf gub k|jfx ljj/ 0f tyf

;f] ;Fu ;DalGwt cg';'rLx?sf] n] vfk/ LIf0f u/ L n] vfk/ LIfsaf6 k|: t't ePsf] n] vfk/ LIf0f k|ltj] bg pk/ n] vfk/ LIf0f ;ldltdf a[ xt 5nkmn u/ L ;'wf/ fTds ;'emfj;lxt k|fKt k|ltj] bg dfly ;+rfns ;ldltdf 5nkmn eO{ Joj: yfkgnfO{ cfjZos lgb] { zg lbO{ Psf] 5 . ;fy} n] vfk/ LIf0f sfo{ ;kmntfsf] ;fy ;dodfg} ;DkGg u/ L ;xof] u ug'{ ePsf] df n] vfk/ LIfs ;'hg sfkm\n] P08 P;f] l;o6\;sf >L ;'hg sfkm\n] Ho"nfO{ xflb{ s wGojfb lbg rfxfG5f} + .

.. 13 ..

!%= k"FhLsf] ifsf] kof{ Kttf M g] kfn / fi6« a} +ssf] lgb] { zg adf] lhd ljQLo ;+: yfx?n] cfkm\gf] hf] lvd efl/ t ;DklQsf] cfwf/ df sfod ug'{ kg] { Go"gtd

k|fylds k"FhLsf] if / s'n k"FhLsf] if qmdzM %=%) / !! k|ltzt x'g' kg] { df o; a} +ssf] cfly{ s jif{ @)&!÷)&@ cfiff9 d;fGtdf k|fylds k"FhLsf] if / s'n k"FhLsf] if qmdzM !@=$* / !#=#% k|ltzt / x] sf] 5 . of] g] kfn / fi6« a} +ssf] Go"gtd dfkb08 eGbf qmdzM ^=(* / @=#% k|ltztn] a9L / x] sf] 5 . o;af6 a} +ssf] k"FhLsf] if kof{ Kt / x] sf] b] lvG5 .

!^= efjL sfo{ qmd MlgIf] ksf] nfut sd ug{ ;j{ ;fwf/ 0fx?;Fu / x] sf] artsf] clwstd kl/ rfng ug{ lgIf] k tkm{ gofF of] hgfx? th'{ df

ul/ sfof{ Gjog ug] { / ;+: yfut lgIf] ksf] lge{ / tfnfO{ sd ub} { hfg] .cfjZostf cg';f/ cGo zfvfx?af6 k|jfx ug{ ] ;] jfdf ljljlws/ 0f ug] { .n3'ljQ sfo{ qmd ;+rfng x'g afFsL / x] sf zfvfx?df ;d] t n3'ljQ sfo{ qmd ;+rfngdf Nofpg] .;du| shf{ sf] u'0f: t/ nfO{ pRr : t/ df / fVg] / shf{ tyf ;fk6df k|fKt x'g] k|ltkmnnfO{ pRr / fVg shf{ nufgLdf

ljljlws/ 0f ug] { .Jofj;flos ;DefJotfsf cfwf/ df zfvf lj: tf/ sfo{ nfO{ lg/ Gt/ tf lbg] .pko'Qm a} +s tyf ljQLo ;+: yf;Fu dh{ / Pj+ PlSjlh;g ug] { ljsNknfO{ k|fyldstfsf ;fy cufl8 a9fpg] .

!&= ;+rfns ;ldlt M a} +ssf] ldlt @)&@ c;f/ @* ut] b] vL nfu' x'g] u/ L ;fljs ljZj ljsf; a} +s lnld6] 8 jf6 $ hgf / ;fljs km] jf

kmfOgfG; lnld6] 8 jf6 $ hgf u/ L * hgfsf] ;+rfns ;ldlt / x] sf] df a} +ssf ;+rfns >L hug axfb'/ u'?Ën] ldlt @)&@ r} q # ut] a} +ssf] ;+rfns ;ldlt ;dIf ;+rfns kb jf6 lbg'ePsf] / flhgfdf ;+rfns ;ldltn] : jLs[ t u/ ] sf] 5 . pxfn] ljutdf cWoIf tyf ;+rfns kbdf / xL a} +snfO{ k'¥ofpg' ePsf] ct'nlgo of] ubfgsf] pRr sb/ ub} { ;+rfns ;ldltsf] tkm{ jf6 xflb{ s wGojfb lbg rfxfG5f} + . xfn a} sdf & hgfsf] ;+rfns ;ldlt sfod / x] sf] 5 . ;+rfns ;ldltsf] cjlw o;} ;fwf/ 0f ;ef kZrft ;dfKt x'g] ePsf] n] a} +ssf] lgodfjnLsf] Joj: yf cg';f/ o;} ;fwf/ 0f ;efjf6 ;+: yfks z] o/ wgLx?sf] tkm{ jf6 k|ltlglwTj ug] { ;+rfns kb % / ;j{ ;fwf/ 0f z] o/ wgLx?sf] tkm{ jf6 k|ltlglwTj ug] { ;+rfns kb # sf] lgjf{ rg ul/ g] sfo{ qmd / x] sf] 5 . ;ldIff cjlwdf ;~rfns ;ldltsf] a} 7s hDdf @) k6s a;] sf] 5 . xfn o; a} +sdf ;+rfns ;ldltsf] agf] 6 lgDgfg';f/ / x] sf] 5 .

!_ / fdeQm / lGht cWoIf -;+: yfks_ @_ ljGb' s'df/ yfkf ;+rfns -;+: yfks_ #_ ch'{ g a~hf/ f ;+rfns -;+: yfks_ $_ lszf] / cf] emf ;+rfns -;+: yfks_ %_ / ljGb| dfsfh' ;+rfns -;j{ ;fwf/ 0f_ ^_ / ~h' u'?Ë ;+rfns -;j{ ;fwf/ 0f_ &_ gf/ fo0f axfb'/ aflgofF ;+rfns -;j{ ;fwf/ 0f_

!*= wGojfb 1fkg M a} +ssf] p2] Zo k|flKtsf nflu k|ToIf Pj+ ck|ToIf ?kdf ;xof] u Pj+ of] ubfg k'¥ofpg' x'g] a} +ssf cfb/ 0fLo z] o/ wgL

dxfg'efjx?, u|fxsju{ , g] kfn ;/ sf/ sf ;DalGwt lgsfo, g] kfn / fi6« a} +s, lwtf] kq af] 8{ , g] kfn : 6s PS;r] ~h, u|f] d/ dr] { G6 a} +s tyf cGo ;+3;+: yfk|lt ;+rfns ;ldltsf tkm{ af6 xflb{ s s[ t1tf 1fkg ub{ 5' . a} +ssf] pGglt / k|ultdf k'¥ofpg'ePsf] of] ubfgsf] nflu a} +ssf k|d'v sfo{ sf/ L clws[ t nufot a} +ssf ;Dk"0f{ sd{ rf/ Lx? Pj+ cGo ;xof] uLx?nfO{ xflb{ s wGojfb lbg rfxfG5' . ;fy} , a} +ssf ultljlwx?nfO{ ;sf/ fTds ?kdf hgdfg;df k'¥ofO{ lbg] ;+rf/ sdL{ / ;Dk"0f{ z'e] R5'sx? k|lt xflb{ s cfef/ k|s6 ub{ 5' .

wGojfb . ;+rfns ;ldltsf] tkm{ af6 / fdeQm / l~ht cWoIf

.. 14 ..

sDkgL P] g @)^# sf] bkmf !)( -$_ adf] lhd v'nfpg' kg] { cltl/ Qm ljj/ 0fx?

!_ n] vfk/ LIf0f k|ltj] bgdf s'g} s} lkmot pNn] v ePsf] eP ;f] pk/ ;+rfns ;ldltsf] k|ltlqmof M n] vfk/ LIfssf] k|ltj] bgdf To: tf] s'g} s} lkmot pNn] v ePsf] 5} g .

@_ hkmt ul/ Psf] z] o/ sf] ljj/ 0f M sDkgLn] xfn ;Dd s'g} z] o/ hkmt u/ ] sf] 5} g\ .

#_ ;xfos sDkgLx?sf] sf/ f] af/ M sDkgLsf] s'g} ;xfos sDkgL 5} g\ .

$_ ljut cfly{ s aif{ df sDkgLsf] cfwf/ e"t z] o/ wgLx?n] sDkgLnfO{ pknAw u/ fOPsf] hfgsf/ L M o; sDkgLsf cfwf/ e"t z] o/ wgLx?af6 ;+: yfnfO{ s'g} hfgsf/ L k|fKt ePsf] 5} g\ .

%_ ljut cfly{ s jif{ df sDkgLsf ;+rfns tyf kbflwsf/ Lx?n] lnPsf] z] o/ sf] : jfldTjsf] ljj/ 0f / sDkgLsf] z] o/ sf/ f] jf/ df lghx? ;+nUg / x] sf] eP ;f] ;DaGwdf lghx?af6 k|fKt hfgsf/ L

cfly{ s jif{ @)&!÷)&@ df o; sDkgLsf] ;+rfns tyf kbflwsf/ Lx?n] o; sDkgLsf] z] o/ vl/ b÷laqmL gug'{ ePsf] n] lghx?sf] : jfldTjdf / x] sf] z] o/ ;Vofdf s'g} kl/ jt{ g ePsf] 5} g . o; sDkgLsf] z] o/ sf/ f] jf/ df lghx?sf] ;+nUgtf / x] sf] ;Gb{ edf sDkgLnfO{ hfgsf/ L k|fKt ePsf] 5} g\ .

^_ sDkgL ;Fu ;DalGwt ;Demf} tfx?df s'g} ;+rfns tyf lghsf] gft] bf/ sf] JolQmut : jfy{ af/ ] df pknAw u/ fOPsf] hfgsf/ Lsf] ljj/ 0f M

k|: t't cfly{ s jif{ df s'g} To: tf] hfgsf/ L sDkgLnfO{ k|fKt ePsf] 5} g\ .

&_ cfly{ s jif{ df sDkgLn] cfkm\gf] z] o/ cfkm} n] vl/ b u/ ] sf] eP To;sf] ljj/ 0f M xfn ;Dd sDkgLn] cfkm\gf] z] o/ cfkm} vl/ b u/ ] sf] 5} g\ .

*_ cfGtl/ s lgoGq0f k|0ffnLsf] ljj/ 0f M sDkgLsf] cfGtl/ s lgoGq0f k|0ffnL k|efjsf/ L Pj+ ;Ifd agfpgsf nfuL k|rlnt P] g sfg'g tyf g] kfn / fi6« a} +saf6 hf/ L

ul/ Psf] gLlt lgb] { zgx?sf] clwgdf / lx ljleGg gLlt, lgod, lgb] { lzsf jgfO{ sfof{ Gjog ug'{ sf ;fy} sDkgLsf ljlgodfjnLx? h: t} ] shf{ ljlgodfjnL, cfly{ s ljlgodfjnL, shf{ c;'nL tyf ckn] vg ljlgodfjnL / sd{ rf/ L ljlgodfjnL cflbsf] k"0f{ ?kdf sDkgLn] kfngf u/ ] sf] 5 . cfGtl/ s lgoGq0f k|0ffnLnfO{ cem dhj't tyf r': t b'?: t jgfpgsf nflu 5'§} cfGt/ Ls n] vfkl/ If0f ljefu : yfkgf u/ L lgoldt ?kdf cfGt/ Ls n] vfkl/ Ifsaf6 n] vfkl/ If0f ug] { u/ LPsf] 5 .

(_ ljut cfly{ s jif{ df ePsf] s"n Joj: yfkg vr{ ;DaGwL ljj/ 0f M sd{ rf/ L vr{ ?= *, (@, )%, *!!=$* sfof{ no ;+rfng vr{ ?= !), )#, *$, )!@.&* hDdf Aoj: yfkg vr{ ?= !*, (%, *(, *@$.@^

!)_ n] vfk/ LIf0f ;ldltsf ;b: ox?sf] gfdfjnL, lghx?sf] kfl/ >lds tyf ;'ljwf / ;f] ;ldltsf] sfd sf/ jfxL Pj+ ;ldltn] lbPsf] ;'emfax?sf] ljj/ 0f M

n] vfk/ LIf0f ;ldltsf ;b: ox? !_ >L ch'{ g a~h/ f ;+of] hs @_ >L lszf] / cf] emf ;b: o #_ >L ;ljgf dx{ hg ;b: o

;ldltsf ;b: ox?nfO{ k|lt a} 7s eQf ?= !, %)).– -Ps xhf/ kfFr ;o ?k} ofF_ dfq afx] s cGo s'g} ;'ljwf k|bfg ul/ Psf] 5} g\ .k|: t't cfly{ s jif{ df % k6s n] vfk/ LIf0f ;ldltsf] a} 7s a: of] . ;ldltn] cfGt/ Ls tyf afx|o n] vfk/ LIfsn] k] z u/ ] sf]

k|ltj] bgx?sf] ;dLIff u/ L Joj: yfkgnfO{ cfjZos lgb] { zgx? ;lxt ;+rfns ;ldltdf k] z ug] { u/ ] sf] 5 .

.. 14 ..

sDkgL P] g @)^# sf] bkmf !)( -$_ adf] lhd v'nfpg' kg] { cltl/ Qm ljj/ 0fx?

!_ n] vfk/ LIf0f k|ltj] bgdf s'g} s} lkmot pNn] v ePsf] eP ;f] pk/ ;+rfns ;ldltsf] k|ltlqmof M n] vfk/ LIfssf] k|ltj] bgdf To: tf] s'g} s} lkmot pNn] v ePsf] 5} g .

@_ hkmt ul/ Psf] z] o/ sf] ljj/ 0f M sDkgLn] xfn ;Dd s'g} z] o/ hkmt u/ ] sf] 5} g\ .

#_ ;xfos sDkgLx?sf] sf/ f] af/ M sDkgLsf] s'g} ;xfos sDkgL 5} g\ .

$_ ljut cfly{ s aif{ df sDkgLsf] cfwf/ e"t z] o/ wgLx?n] sDkgLnfO{ pknAw u/ fOPsf] hfgsf/ L M o; sDkgLsf cfwf/ e"t z] o/ wgLx?af6 ;+: yfnfO{ s'g} hfgsf/ L k|fKt ePsf] 5} g\ .

%_ ljut cfly{ s jif{ df sDkgLsf ;+rfns tyf kbflwsf/ Lx?n] lnPsf] z] o/ sf] : jfldTjsf] ljj/ 0f / sDkgLsf] z] o/ sf/ f] jf/ df lghx? ;+nUg / x] sf] eP ;f] ;DaGwdf lghx?af6 k|fKt hfgsf/ L

cfly{ s jif{ @)&!÷)&@ df o; sDkgLsf] ;+rfns tyf kbflwsf/ Lx?n] o; sDkgLsf] z] o/ vl/ b÷laqmL gug'{ ePsf] n] lghx?sf] : jfldTjdf / x] sf] z] o/ ;Vofdf s'g} kl/ jt{ g ePsf] 5} g . o; sDkgLsf] z] o/ sf/ f] jf/ df lghx?sf] ;+nUgtf / x] sf] ;Gb{ edf sDkgLnfO{ hfgsf/ L k|fKt ePsf] 5} g\ .

^_ sDkgL ;Fu ;DalGwt ;Demf} tfx?df s'g} ;+rfns tyf lghsf] gft] bf/ sf] JolQmut : jfy{ af/ ] df pknAw u/ fOPsf] hfgsf/ Lsf] ljj/ 0f M

k|: t't cfly{ s jif{ df s'g} To: tf] hfgsf/ L sDkgLnfO{ k|fKt ePsf] 5} g\ .

&_ cfly{ s jif{ df sDkgLn] cfkm\gf] z] o/ cfkm} n] vl/ b u/ ] sf] eP To;sf] ljj/ 0f M xfn ;Dd sDkgLn] cfkm\gf] z] o/ cfkm} vl/ b u/ ] sf] 5} g\ .

*_ cfGtl/ s lgoGq0f k|0ffnLsf] ljj/ 0f M sDkgLsf] cfGtl/ s lgoGq0f k|0ffnL k|efjsf/ L Pj+ ;Ifd agfpgsf nfuL k|rlnt P] g sfg'g tyf g] kfn / fi6« a} +saf6 hf/ L

ul/ Psf] gLlt lgb] { zgx?sf] clwgdf / lx ljleGg gLlt, lgod, lgb] { lzsf jgfO{ sfof{ Gjog ug'{ sf ;fy} sDkgLsf ljlgodfjnLx? h: t} ] shf{ ljlgodfjnL, cfly{ s ljlgodfjnL, shf{ c;'nL tyf ckn] vg ljlgodfjnL / sd{ rf/ L ljlgodfjnL cflbsf] k"0f{ ?kdf sDkgLn] kfngf u/ ] sf] 5 . cfGtl/ s lgoGq0f k|0ffnLnfO{ cem dhj't tyf r': t b'?: t jgfpgsf nflu 5'§} cfGt/ Ls n] vfkl/ If0f ljefu : yfkgf u/ L lgoldt ?kdf cfGt/ Ls n] vfkl/ Ifsaf6 n] vfkl/ If0f ug] { u/ LPsf] 5 .

(_ ljut cfly{ s jif{ df ePsf] s"n Joj: yfkg vr{ ;DaGwL ljj/ 0f M sd{ rf/ L vr{ ?= *, (@, )%, *!!=$* sfof{ no ;+rfng vr{ ?= !), )#, *$, )!@.&* hDdf Aoj: yfkg vr{ ?= !*, (%, *(, *@$.@^

!)_ n] vfk/ LIf0f ;ldltsf ;b: ox?sf] gfdfjnL, lghx?sf] kfl/ >lds tyf ;'ljwf / ;f] ;ldltsf] sfd sf/ jfxL Pj+ ;ldltn] lbPsf] ;'emfax?sf] ljj/ 0f M

n] vfk/ LIf0f ;ldltsf ;b: ox? !_ >L ch'{ g a~h/ f ;+of] hs @_ >L lszf] / cf] emf ;b: o #_ >L ;ljgf dx{ hg ;b: o

;ldltsf ;b: ox?nfO{ k|lt a} 7s eQf ?= !, %)).– -Ps xhf/ kfFr ;o ?k} ofF_ dfq afx] s cGo s'g} ;'ljwf k|bfg ul/ Psf] 5} g\ .k|: t't cfly{ s jif{ df % k6s n] vfk/ LIf0f ;ldltsf] a} 7s a: of] . ;ldltn] cfGt/ Ls tyf afx|o n] vfk/ LIfsn] k] z u/ ] sf]

k|ltj] bgx?sf] ;dLIff u/ L Joj: yfkgnfO{ cfjZos lgb] { zgx? ;lxt ;+rfns ;ldltdf k] z ug] { u/ ] sf] 5 .

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