Citizen Life Insurance Company Ltd.

-sDkgL P]g, @)^# cGtu{t :yflkt aLdf P]g, @)&( adf]lhd sfd sf/f]af/ ug{ Ohfhtkq k|fKt_
l;l6hg nfOkm OG:of]/]G; sDkgL lnld6]8

/lhi68{ 7]ufgf M sf7df08f} dxfgu/kflnsf - !!, Pn=P;= sDKn]S;, yfkfynL, sf7df08f}, g]kfn .
kmf]g g+=M 01-5970217, 01-5316000
E-mail : [email protected], Website: www.citizenlifenepal.com
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ljj/0f–kq
-lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt_
sDkgLsf] hf/L kF"hL ?=#,&%,)),)),)))÷– -cIf/]kL tLg ca{ krxQ/ s/f]8 dfq_ dWo] #)Ü cyf{t ?=!,!@,%),)),)))÷– -cIf/]kL Ps ca{
afx| s/f]8 krf; nfv_ /sd a/fa/sf] !,!@,%),))) lsQf dWo] % k|ltztn] x'g] ?= %,^@,%),)))÷– -cIf/]kL kfFr s/f]8 a};ÝL nfv krf;
xhf/_ /sd a/fa/sf] %,^@,%)) lsQf z]o/ k|lt z]o/ ?=!))÷– clÍt b/df sd{rf/Lx?sf] nflu / afFsL ?=!,)^,*&,%),)))÷– -cIf/]kL
Ps ca{ 5 s/f]8 ;tf;L nfv krf; xhf/_ /sd a/fa/sf] !,)^,*&,%)) lsQf z]o/ k|lt z]o/ ?=!))÷– clÍt b/df lk|ldod jfkt
?=!$$÷– yk u/L hDdf k|lt z]o/ d"No ?=@$$÷– df cGo ;j{;fwf/0fsf nflu ;fj{hlgs lgisfzg ul/Psf] . s"n lgisfzgsf] !)Ü cyf{t
!!,@%,))) lsQf ;fwf/0f z]o/x? g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 >d :jLs[lt k|fKt u/L ljb]zdf a;L /f]huf/ ul//x]sf g]kfnLx?sf
nflu / %Ü cyf{t %,^@,%)) lsQf z]o/x? ;fd"lxs nufgL sf]ifsf nflu ælwtf]kq btf{ tyf afF8kmfF8 lgb]{lzsf, @)&$ -;ftf}+ ;+zf]wg
;lxt_Æ sf] clwgdf /lx afF8kmfF8 u/L afFsL /x]sf (),)),))) lsQf ;fwf/0f z]o/x? o; ljj/0fkq dfkm{t cGo ;j{;fwf/0fsf nflu
;fj{hlgs lgisfzg ul/Psf] .
g]6jy{ ;DaGwL ljj/0f
jf:tljs k|If]lkt
ljj/0f ckl/is[t r}q
cf=j= cf=j= cf=j= d;fGt @)&( cf=j= cf=j= cf=j=
@)&^÷)&& @)&&÷)&* @)&*÷)&( @)&(÷)*) @)*)÷)*! @)*!÷)*@
k|lt z]o/ g]6jy{ -?_ 134.57 151.94 172.43 154.74 191.12 160.41 178.79
k|lt z]o/ cfDbfgL -?_ 15.37 17.17 21.49 6.88 16.31 17.07 18.38
;+lrt gfkmf gf]S;fg -?= xhf/df_ 605,007 909,011 1,267,606 1,437,048 3,417,168 3,020,561 3,939,395
b/vf:t ;fy k|lt ;fwf/0f z]o/ ?=!))÷– df lk|ldod jfkt ?=!$$÷– yk u/L hDdf k|lt z]o/ d"No ?=@$$÷– b/n]
ztk|ltzt e'QmfgL dfu ul/Psf] 5 .
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"NofÍg 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 * k[i7 gDa/ @@ df pNn]lvt hf]lvdx?
;d]tsf] cWoog u/]/ dfq nufgL ;DaGwL lg0f{o lng ;'emfj ul/G5 .
lgodg lgsfosf] hjfkmb]lxtf g/xg] pb\3f]if0f M
o; ljj/0fkqdf pNn]lvt lwtf]kq ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] o; ljj/0fkqnfO{ lwtf]kq ;DaGwL P]g, @)^# adf]lhd g]kfn
lwtf]kq af8{n] :jLs[lt k|bfg u/]sf] 5 . o;/L af]8{n] :jLs[lt k|bfg u/]sf] sf/0faf6 s;}n] klg g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf]
sfof{no jf ;Da4 cGo lgodg lgsfon] ljj/0fkqdf pNn]lvt s'/fsf] ;Totf jf lgisfzgstf{ jf kl/of]hgfsf] cfly{s ;Ifdtfsf] af/]df
s'g} k|sf/sf] k|Tofe"t u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g .
o; ljj/0fkq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/sf] nflu lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# -;ftf}+ ;+zf]wg ;lxt_ df ePsf]
Joj:yf adf]lhd sDkgLsf] O:o"c/ /]l6Ë u/fpg' kg]{ ePsf]n] æqm]l86 /]l6Ë lgodfjnL, @)^*Æ sf] lgod # adf]lhd g]kfn lwtf]kq af]8{af6
cg'dlt k|fKt qm]l86 /]l6Ë ;+:yf O{qmf g]kfn lnld6]8af6 ldlt @)*)÷)@÷@^ df "[ICRANP-IR] BBB" (Pronounced ICRA NP Issuer
Rating BBB) k|df0fkq k|fKt u/]sf] 5 . h;n] sDkgLsf] ljQLo bfloTj ;dodf g} k'/f ug]{ ;DaGwdf dWod ?kdf ;'/lIft /x]sf]] (Moderate
degree of safety regarding timely servicing of financial obligations) dflgG5 . O{qmf g]kfn lnld6]8n] [ICRANP-IR] AAA b]lv [ICRANP-
IR] D ;Ddsf] /]l6Ë k|bfg ub{5 h;df u]|8 [ICRANP-IR] AAA n] alnof] cfwf/ hgfpF5 eg] [ICRANP-IR] D n] sdhf]/ cfwf/ hgfpF5 .
/]l6Ë ;+s]t k5fl8 /xg] ± -hf]8_ jf – -36fp_ lrGxn] ;DalGwt /]l6Ë ju{ leqsf] t'ngfTds l:ytLnfO{ hgfpFb5 .
/]l6Ë k|fKt u/]sf] ldlt M @)*)÷)@÷@^ -;g\ @)@# h'g )(_ axfn /xg] ldlt M @)*!÷)@÷@% -;g\ @)@$ h'g )&_
g]kfn lwtf]kq af]8{af6 ljj/0fkq :jLs[t ePsf] ldlt M sDkgL /lhi6«f/sf] sfof{nodf ljj/0fkq btf{ ePsf] ldlt M
@)*)÷)#÷!( @)*)÷)#÷@)
lwtf]kq lgisfzg v'Nnf x'g] ldlt M @)*)÷)%÷!%
lwtf]kq lgisfzg aGb x'g] ldlt -l56f]df_ M @)*)÷)%÷!( ut] -a}+lsË ;do kZrft\_
lwtf]kq lgisfzg aGb x'g] ldlt -l9nf]df_ M @)*)÷)%÷@( ut] -a}+lsË ;do kZrft\_
sd{rf/Lx?sf nflu 5'§fOPsf] z]o/sf] lwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$ -;ftf}+ ;+zf]wg ;lxt_ sf] kl/R5]b % sf] bkmf #@
adf]lhd afF8kmfF8 ePsf] ldltn] sDtLdf tLg jif{;Dd laqmL ug{ gkfpg] Joj:yf ul/g] 5 .
v=!= ljj/0fkqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M
s_ æljj/0fkqÆ eGgfn] ;fj{hlgs ?kdf z]o/ lgisfzg ug{ lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g,
@)^# sf] bkmf @# cGtu{t tof/ kf/L k|sflzt lgisfzg sDkgLsf] ;Gbe{df nufgLstf{x?nfO{ hfgsf/L lbgsf] nflu
tof/ ul/Psf]] k|:t't k'l:tsfnfO{ ;Demg' kb{5 .
v_ ælwtf]kq lgisfzg tyf laqmL k|aGwsÆ eGgfn] PgcfOPdla P; Soflk6n lnld6]8nfO{ ;Demg' kb{5 .
u_ æ;+ul7t ;+:yf÷sDkgLÆ eGgfn] lgisfzg sDkgL l;l6hg nfOkm OG:of]/]G; sDkgL lnld6]8nfO{ ;Demg' kb{5 .
3_ æ;+sng s]Gb|Æ eGgfn] ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] ljj/0fkq / b/vf:t kmf/fd k|fKt ug{ ;lsg] tyf
b/vf:t kmf/fdsf ;fy /sd a'emfpg ;lsg] u/L tf]lsPsf ;+:yfnfO{ ;Demg' kb{5 .
ª_ ælgisfzg a}+sÆ eGgfn] ;fj{hlgs lgisfzgaf6 ;+sng x'g cfPsf] /sdnfO{ hDdf ug{sf] nflu tf]lsPsf] a}+sx?nfO{
;Demg' kb{5 .
r_ ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no tyf g]kfn aLdf k|flws/0fnfO{ ;Demg'
kb{5 .
5_ æ;+:yfks, ;~rfns, sfo{sf/L k|d'v tyf Joj:yfkgÆ eGgfn] l;l6hg nfOkm OG:of]/]G; sDkgL lnld68sf ;+:yfks,
;~rfns, k|d'v sfo{sf/L clws[t tyf JoJ:yfkgnfO{ ;Demg' kb{5 .
h_ æaf]8{Æ eGgfn] g]kfn lwtf]kq af]8{, v'dn6f/, nlntk'/nfO{ ;Demg' kb{5 .
em_ æcfwf/e"t z]o/wgLÆ eGgfn] l;l6hg nfOkm OG:of]/]G; sDkgL lnld68sf r'Qmf k"FhLsf] ! k|ltzt jf ;f] eGbf a9L
z]o/ wf/0f u/]sf] z]o/wgLnfO{ ;Demg' kb{5 .
`_ æk|lt z]o/ g]6jy{Æ eGgfn] sDkgLsf] jf;nftdf /x]sf] z]o/ k"FhL, z]o/ lk|ldod tyf hu]8f sf]if nufotsf s'g} klg
k|sf/sf] ;l~rt sf]ifsf] s'n hf]8nfO{ hDdf ;fwf/0f z]o/ ;+Vofn] efu ubf{ cfpg] efu kmnnfO{ hgfpFb5 .
6_ æk|lt z]o/ cfDbfgLÆ eGgfn] ;+:yfsf] v'b d'gfkmfnfO{ s'n z]o/ ;+Vofn] efu ubf{ cfpg] k|ltkmn ;Demg' kb{5 .
7_ æj}b]lzs /f]huf/df /x]sf g]kfnLÆ eGgfn] g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 >d :jLs[lt k|fKt u/L ljb]zdf a;L
/f]huf/L ul//x]sf g]kfnL gful/sx? ;Demg' kb{5 .
8_ ælk|ldod d"NoÆ eGgfn] lwtf]kqsf] clÍt d"No eGbf a9L d"No ;Demg' kb{5 .
v=@= ljj/0fkq tyf b/vf:t kmf/fd k|fKt ug]{ / a'emfpg] :yfg M

qm=;+= ljj/0fkq k|fKt ug]{ :yfg M
l;l6hg nfOkm OG:of]/]G; sDkgL lnld6]8, sf7df08f} dxfgu/kflnsf- !!, Pn= P; sDKn]S;, yfkfynL sf7df8f}+
!
/ j]a;fO6 M www.citizenlifenepal.com
@ PgcfOPdla P; Soflk6n lnld6]8, nflhDkf6, sf7df8f}+ / j]a;fO6 www.niblcapital.com
# g]kfn lwtf]kq af]8{sf] j]a;fO6 www.sebon.gov.np af6 ;d]t k|fKt ;lsg]5 .
qm=;+= b/vf:t kmf/fd k|fKt ug]{ / a'emfpg] :yfg M

g]kfn lwtf]kq af]8{af6 :jLs[lt k|fKt u/]sf ;Dk"0f{ cf:af (ASBA) ;b:o a}+s tyf ljQLo ;+:yfx? / ltgsf
! tf]lsPsf zfvf sfof{nox? tyf l;l8P; P08 lSnol/Ë lnld6]8af6 lgdf{0f ul/Psf] ;ˆ6j]o/ æd]/f] z]o/Æ
cgnfOg k|of]u u/L l;–cf:af (C-ASBA) k|0ffnL dfk{mt cfj]bg lbg ;lsg]5 .
1
u=! lwtf]kq lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M
xfdLnfO{ lgisfzgstf{ sDkgLn] tyf o;sf ;+:yfks÷;~rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf] cfwf/df
o; sDkgLsf] Joj:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf ;fy} ljj/0fkqdf
n]lvPsf cfly{s ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;xL b]lvPsf]n] nufgLstf{x?nfO{ nufgL ;DaGwL lg0f{o lng
d2t k'Ug] s'/f k|lt ljZj:t eO{ xfdLn] of] ljj/0fkq :jLs[ltsf nflu g]kfn lwtf]kq af]8{df ælwtf]kq ;DaGwL P]g, @)^#Æ
tyf ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#Æ cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq (Due Diligence Certificate)
k|:t't u/]sf 5f}+ .
u=@= ;+ul7t ;+:yfsf] pb\3f]if0f M

u=@=s_ ;+ul7t ;+:yfsf] ;~rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M
of] ljj/0fkq xfdLn] k'g/fjnf]sg u/L cg'df]bg u/]sf] x'gfn] o; ljj/0fkqdf pNn]v ul/Psf ljj/0f tyf hfgsf/Lx?sf
;fy} lgisfzg tyf laqmL k|aGwsnfO{ lbPsf] ljQLo ljj/0f, cGo ljj/0f, hfgsf/L tyf sfuhftx?sf ;Totf / z'4tf
k|lt / lwtf]kq btf{ tyf lgisfzg cg'dlt k|of]hgsf nflu g]kfn lwtf]kq af]8{df k]z ul/Psf] ljj/0fkq / ;f] ;Fu ;DalGwt
cGo ljj/0f tyf hfgsf/Lx?sf] z'4tf tyf ;Totfk|lt o; ljj/0fkqdf x:tfIf/ ug]{ xfdL ;~rfnsx? JolQmut jf
;fd"lxs ?kdf hjfkmb]lxtf axg ub{5f}+ / lwtf]kq lgisfzgsf nflu tf]lsPsf zt{ tyf cfjZostfx?sf] ;DaGwdf cfjZos
hfgsf/L lnO{ xfdL pb\3f]if0f ub{5f}+ sL tf]lsPsf zt{ tyf cfjZostfx? ;a} kfngf u/]sf 5'÷5f}+ / nufgLstf{x?nfO{
nufgL ;DaGwL ;';"lrt lg0f{o lng cfjZos s'g} ljj/0f, ;"rgf tyf hfgsf/Lx? n'sfPsf 5}gf}+ .
u=@=v_ ;+ul7t ;+:yfsf] hjfkmb]lxtf ;DaGwL pb\3f]if0fM
o; l;l6hg nfOkm OG:of]/]G; sDkgL lnld6]8n] k|sflzt u/]sf] ljj/0fkq, ;fj{hlgs k|:tfj, lj1fkg jf cGo s'g} ;"rgfdf
pNn]v ePsf ljj/0fx? afx]s ;+ul7t ;+:yfsf] af/]df k|sflzt cGo s'g} ;"rgf jf hfgsf/Lsf] hjfkmb]lxtf ;+ul7t ;+:yfdf
g/xg] / To:tf] ;"rgf, hfgsf/L jf ljj/0fsf] cfwf/df nufgL u/]df ;f] sf] hf]lvd nufgLstf{ :jo+n] axg ug'{kg]{5 .
u=@=u_ lgodg lgsfosf] lgodg Joj:yfsf] kfngf ;DaGwL pb\3f]if0f M
k|rlnt sfg"g cg';f/ cfˆgf] pBf]u÷Joj;fo÷;]jf;Fu ;DalGwt lgodg lgsfo -h:t}M g]kfn lwtf]kq af]8{, sDkgL
/lhi6«f/sf] sfof{no, g]kfn aLdf k|flws/0f cflb_ sf] ;fj{hlgs lgisfzg tyf cGo lgodg Joj:yf tyf lgb]{zgx?sf]
kfngf u/]sf] s'/fsf] pb\3f]if0f ub{5f}+ . ;fy} ;fj{lhgs lgisfzg k|of]hgsf] nflu tof/ ul/Psf] ljj/0fkq / ;f] df pNn]lvt
;Demf}tf jf cGo ljj/0fx? g]kfn lwtf]kq af]8{, g]kfn :6s PS;r]Gh lnld6]8 tyf c? lgodgsf/L lgsfox?df k]z u/]sf
5f}+ .
u=@=3_ ;+:yfks, ;~rfns tyf sfo{sf/L k|d'v ;DaGwL pb\3f]if0f M
s_ o; sDkgLsf ;+:yfks, ;~rfns jf k|d'v sfo{sf/L clws[t shf{ ;"rgf s]Gb|sf] sfnf];"rLdf /x]sf 5}gg\ .
v_ o; sDkgLsf ;~rfns jf k|d'v sfo{sf/L clws[t sfnf];"rLdf g/x]sf] ;fy} cGo ;"lrs[t ;+ul7t ;+:yfdf ;~rfns
gePsf] .
u_ ;fj{hlgs lgisfzg dfk{mt ;j{;fwf/0faf6 kF"hL ;+sng u/L j]kQf ePsf jf ;+rfngdf g/x]sf jf nufgLstf{x?sf] lxt
ljk/Lt x'g] sfo{ u/]sf] ;+ul7t ;+:yfsf ;~rfns jf k|d'v sfo{sf/L clws[t o; sDkgLsf] ;~rfns jf k|d'v sfo{sf/L
clws[t 5}gg\ .
3_ lwtf]kq ;DaGwL sfg"g ljk/Lt sfo{ u/]sf] sf/0f lwtf]kq ahf/ jf lwtf]kq Jofj;foLsf] cg'dlt vf/]h ePsf] bz jif{
k"/f gePsf] ;+ul7t ;+:yfsf] ;~rfns jf k|d'v sfo{sf/L clws[t o; sDkgLsf] ;~rfns jf k|d'v sfo{sf/L clws[t
5}gg\ .
ª_ o; sDkgLsf] ;~rfns jf k|d'v sfo{sf/L clws[t lwtf]kq ;DaGwL P]gsf] bkmf !)* adf]lhd cof]Uo /x]sf 5}gg\ .
2
u=#= ;+ul7t ;+:yf ;DaGwL hfgsf/L M
u=#=s_ ;+ul7t ;+:yfsf] k[i7e"dL M
!= ;+:yfsf] gfd M l;l6hg nfOkm OG:of]/]G; sDkgL lnld6]8 (Citizen Life Insurance Company Limited)
@= ;+ul7t ;+:yfsf] /lhi68{ sfof{no M o; sDkgLsf] /lhi68{ -k|wfg sfof{no_ sfof{no sf7df08f} dxfgu/kflnsf - !!, Pn=
P; sDKn]S;, yfkfynL sf7df08f}df /x]sf] 5 .
#= s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f M o; sDkgL sDkgL P]g, @)^# adf]lhd ldlt @)^$ cfiff9 !@ ut] g]kfn ;/sf/,
sDkgL /lhi6«f/sf] sfof{nodf klAns sDkgLsf] ?kdf btf{ ePsf] xf] . aLdf P]g, @)&( tyf aLdf lgodfjnL, @)$(
cg';f/ ldlt @)&$ efb| & ut]sf lbg g]kfn aLdf k|flws/0faf6 hLjg aLdf ;DaGwL sf/f]af/ ug{ :jLs[t k|fKt u/L hLjg
aLdf sDkgLsf] x}l;otn] ldlt @)&$ sflt{s @ ut] b]lv hLjg aLdf ;DaGwL sf/f]af/ ;~rfng ub}{ cfO{/x]sf] 5 .
$= sf/f]af/ ug]{ d'Vo :yfg M o; sDkgLsf] sf/f]af/ ug]{ d'Vo :yfg sf7df08f} dxfgu/kflnsf - !!, Pn= P; sDKn]S;,
yfkfynL sf7df08f}+}df s]Gb|Lo sfof{no /x]sf] 5 . cfjZostf cg';f/ g]kfn aLdf k|flws/0fsf] :jLs[lt lnO{ g]kfn /fHoe/
tyf ljb]zdf cfˆgf] zfvf, pkzfvf tyf ;Dks{ sfof{no vf]nL hLjg aLdf ;DaGwL sf/f]af/ ug{ ;Sg]5 . o; sDkgLn]
ldlt @)*)÷)#÷)& ut];Dd b]xfo adf]lhdsf :yfgx?df $^ zfvf sfof{no tyf ($ pkzfvf sfof{nox?af6 cfkm\gf]
hLjg aLdf ;DaGwL sf/f]af/ ub}{ cfO/x]sf] 5 .
qm=;+= sfof{nosf] gfd sfof{no /x]sf] :yfg
k|b]z g+= !
Zffvf sfof{no
! lkmlbd zfvf sfof{no lkmlbd g=kf= j8f g+= !, efg'dfu{, kf+ry/ .
@ bds zfvf sfof{no bds gu/kflnsf j8f g+= ^, emfkf .
# lj/f6gu/ zfvf sfof{no lj=d=g=kf j8f g+= !!, dx]Gb| rf]s, df]/Ë .
$ latf{df]8 zfvf sfof{no latf{df]8 g=kf=j8f g+= $, d]g/f]8, ;'g;/L .
% O{6x/L zfvf sfof{no O{6x/L pkdxfgu/kflnsf j8f g+= (, ;'g;/L .
^ O{g?jf zfvf sfof{no O{g?jf gu/kflnsf j8f g+= !, eujtL dfu{, ;'g;/L .
& ufO{3f6 zfvf sfof{no lqo'uf gu/kflnsf j8f g+= !!, ufO{3f6 .
pkzfvf sfof{no
! tfKn]h'ª pkzfvf sfof{no km'ªlnª gu/kflnsf j8f g+= !, tfKn]h'ª .
@ vf+baf/L pkzfvf sfof{no vf+baf/L gu/kflnsf j8f g+= !, ;ªv'jf;ef .
# ;f]n'v'Da' pkzfvf sfof{no ;f]n' b'ws'08 gu/kflnsf j8f g+ ^, ;f]n'v'Da' .
$ cf]vn9'Ëf pkzfvf sfof{no l;l4r/0f gu/kflnsf j8f g+ !!, /dfO{nf]8f8f, cf]vn9'Ëf .
% ef]hk'/ pkzfvf sfof{no ef]hk'/ gu/kflnsf j8f g+ %, ef]hk'/ .
^ wgs'6f pkzfvf sfof{no Wfgs'6f gu/kflnsf j8f g+ !, lxn], wgs'6f .
& t]x|y'd pkzfvf sfof{no Dofªn'ª gu/kflnsf j8f g+= !, t]x|y'd .
* Onfd pkzfvf sfof{no ;'of]{bo gu/kflnsf j8f g+ *, dfnfky, Onfd .
( rGb|u9L pkzfvf sfof{no eb|k'/ gu/kflnsf j8f g=+ &, emfkf .
!) w'nfaf/L pkzfvf sfof{no d]rLgu/ gu/kflnsf j8f g+ !) , emfkf .
!! la/f6rf]s pkzfvf sfof{no ;'Gb/ x/}rf gu/kflnsf j8f g+= !@, ;'g;/L .
!@ ky/L pkzfvf sfof{no ky/L ;lg:r/] gu/kflnsf j8f g+= ! df]/Ë .
!# Rfqm3§L pkzfvf sfof{no a/fxIf]q gu/kflnsf j8f g+= ^ ;'g;/L .
!$ b'xjL pkzfvf sfof{no lj/f6gu/ dxfgu/kflnsf j8f g+= %, ;'g;/L .
!% t/x/f pkzfvf sfof{no O{6x/L pkdxfgu/kflnsf j8f g+= @), ;'g;/L .
!^ em'Dsf pkzfvf sfof{no /fdw'gL gu/kflnsf j8f g+= !, ;'g;/L .
!& w/fg pkzfvf sfof{no w/fg pkdxfgu/kflnsf j8f g= @, /Tg/f]8, ;'g;/L .
!* s6f/L pkzfvf sfof{no s6f/L gu/kflnsf j8f g+=&, pbok'/ .
k|b]z g+= @
Zffvf sfof{no
! /fhlj/fh zfvf sfof{no /fhlj/fh gu/kflnsf j8f g+= !), ?lkgLdf]8, ;Kt/L .
3
@ nxfg zfvf sfof{no nxfg gu/kflnsf j8f g+= #, nxfg ahf/, l;/xf .
# hn]Zj/ zfvf sfof{no hn]Zj/gfy gu/kflnsf j8f g+= @, dxf]Q/L .
$ alb{af; zfvf sfof{no alb{af; gu/kflnsf j8f g+= !, dxf]Q/L .
% nfnaGbL zfvf sfof{no nfnaGbL gu/kflnsf j8f g+= &, ;nf{xL .
^ hgsk'/ zfvf sfof{no hgsk'/ gu/kflnsf j8f g+= @, efg'rf]s, wg'iff .
& rGb|lgufxk'/ zfvf sfof{no rGb|k'/ gu/kflnsf j8f g+= $, /f}tx6 .
* aL/u+h zfvf sfof{no aL/u+h dxfgu/kflnsf j8f g+= !), cfb{zgu/, k;f{ .
pkzfvf sfof{no
! s~rgk'/ pkzfvf sfof{no s~rgk'/ gu/kflnsf j8f g+= *, ;Kt/L .
@ ldr{}of pkzfvf sfof{no ldr}{of gu/kflnsf jf8 g+= ^, s§f/L rf]s, l;/fxf .
# l;/xfahf/ pkzfvf sfof{no l;/xf gu/kflnsf j8f g+= ^, l;/xfahf/, l;/xf .
$ uf]nahf/ pkzfvf sfof{no uf]nahf/ gu/kflnsf j8f g+= $, l;/xf .
% dx]Gb|gu/ wg'iff pkzfvf sfof{no lIf/]Zj/ gu/kflnsf j8f g+= !, dx]Gb|gu/ .
^ dn+ujf pkzfvf sfof{no dn+ujf gu/kflnsf j8f g+= !), ;nf{xL .
& a/yxjf pkzfvf sfof{no a/yxjf gu/kflnsf j8f g+= &, ;nf{xL .
* sn}of pkzfvf sfof{no sn}of pkdxfgu/kflnsf j8f g+= $, af/f .
( l;d/f pkzfvf sfof{no hLtk'/ l;d/f pkdxfgu/kflnsf j8f g+= ^, af/f .
!) kf]v/Lof pkzfvf sfof{no kf]v/Lof gu/kflnsf j8f g+= !) .
k|b]z g+= #
Zffvf sfof{no
! afg]Zj/ zfvf sfof{no sf=d=g=kf= j8f g+= #!, Zf+vd"n, sf7df8f}+ .
@ hdn zfvf sfof{no sf=d=g=kf= j8f g+= #), sflGtky, sf7df8f}+ .
# rfalxn zfvf sfof{no sf=d=g=kf= j8f g+= &, s] Pn 6fj/, sf7df8f}+ .
$ sn+sL zfvf sfof{no sf=d=g=kf= j8f g+= !$, sn+sL, sf7df08f} .
% afnfh' zfvf sfof{no sf=d=g=kf= j8f g+= !^, uf]+ua', sf7df08f} .
^ ;'o{lagfos zfvf sfof{no dWok'/ l7dL gu/kflnsf j8f g+= %, ;"o{ljgfos, eQmk'/ .
& Kff6g zfvf sfof{no nlntk'/ d=g=kf= j8f g+= !@, nugv]n, nlntk'/ .
* /fd]5fk zfvf sfof{no dGynL gu/kflnsf j8f g+= !, b]jsf]6f rf]s, /fd]5fk .
( ag]kf zfvf sfof{no ag]kf gu/kflnsf j8f g+= ^, rf/bf]af6f], sfe|] .
!) x]6f}8f zfvf sfof{no x]6f}8f pkdxfgu/kflnsf j8f g+= !), dsjfgk'/ .
!! l;Gw'nL zfvf sfof{no sdnfdfO{ gu/kflnsf j8f g+= ^, df9Lahf/, l;Gw'nL .
!@ gf/fo0fu9 zfvf sfof{no e/tk'/ d=g=kf j8f g+= @, ;lxb rf]s, lrtjg .
pkzfvf sfof{no
! rl/sf]6 pkzfvf sfof{no eLd]Zj/ gu/kflnsf j8f g+= &, bf]nvf .
@ d]nDrL pkzfvf sfof{no d]nDrL gu/kflnsf j8f g+= !!, l;Gw'kfNrf]s .
# WfflbË j];L pkzfvf gLns07 gu/kflnsf j8f g+= #, zfGtfahf/, wflbË .
$ a§f/ pkzfvf sfof{no lab'/ gu/kflnsf j8f g+= @, g'jfsf]6 .
% 6f]vf pkzfvf sfof{no 6f]vf gu/kflnsf j8f g+= #, sf7df08f} .
^ dxf/fhu+h pkzfvf sfof{no sf7df8f}+ dxfgu/kflnsf j8f g+= #, dxf/fhu+h, sf7df08f} .
& h/+v' pkzfvf sfof{no tf/s]Zj/ gu/kflnsf j8f g+= *, sf7df08f} .
* lslt{k'/ pkzfvf sfof{no lslt{k'/ gu/kflnsf j8f g+= !), sf7df08f} .
( ynL pkzfvf sfof{no sfu]Zj/L dgx/f gu/kflnsf j8f g+= )%, sf7df08f} .
!) lqk'/]Zj/ pkzfvf sfof{no sf=d=g=kf= j8f g+= !!, lqk'/]Zj/, sf7df08f} .
!! :joDe' pkzfvf sfof{no gfufh'{g gu/kflnsf j8f g+= #, sf7df8f}+ .
!@ sf]6]Zj/ pkzfvf sfof{no sf=d=g=kf= j8f g+= #@, sf]6]Zj/, sf7df08f} .
!# yfgsf]6 pkzfvf sfof{no rGb|flu/L gu/kflnsf j8f g+= *, ;t'ªun, sf7df08f} .
!$ k]K;Lsf]nf pkzfvf sfof{no sf=d=g=kf= j8f g+= #@, k]K;Lsf]nf, sf7df08f} .
!% uÝf3/ pkzfvf sfof{no dWok'/ l7dL gu/kflnsf j8f g+= #, ;"o{ljgfos, eQmk'/ .
4
!^ 7}a pkzfvf sfof{no uf]bfj/L g=kf= j8f g+= !$, 7}a, nlntk'/ .
!& Odf8f]n pkzfvf sfof{no dxfnIdL gu/kflnsf j8f g+= !, O{df8f]n, nlntk'/ .
!* e};]kf6L pkzfvf sfof{no nlntk'/ d=g=kf= j8f g+= @%, e};]kf6L, nlntk'/ .
!( rfkfufp+ pkzfvf sfof{no Uff]bfj/L gu/kflnsf j8f g+= !), nlntk'/ .
@) ah|af/fxL pkzfvf sfof{no yfxf gu/kflnsf j8f g+= ^, dsjfgk'/ .
@! e08f/f pkzfvf sfof{no e08f/f /fKtL gu/kflnsf j8f g+=%, lrtjg .
@@ k;f{ pkzfvf sfof{no /Tggu/ gu/kflnsf j8f g+= !, 6f+8L, lrtjg .
@# rgf}nL pkzfvf sfof{no e/tk'/ d=g=kf j8f g+= !*, lrtjg .
k|b]z g+= $
Zffvf sfof{no
! kf]v/f zfvf sfof{no kf]v/f n]vgfy dxfgu/kflnsf j8f g+= *, goFfahf/, sf:sL .
@ bdf}nL zfvf sfof{no Jof; gu/kflnsf j8f g+= @, bdf}nL, tgx'F .
# afUn'Ë zfvf sfof{no afUn'Ë gu/kflnsf j8f g+= @, afUn'Ë .
pkzfvf sfof{no
! uf]/vf pkzfvf sfof{no uf]/vsfnL g=kf=j8f g+= ^, x/fd6f/L, uf]/vf .
@ a]gL pkzfvf sfof{no a]gL gu/kflnsf j8f g+= &, Go"/f]8, afUn'Ë .
# n]vgfy pkzfvf sfof{no kf]v/f dxfgu/kflnsf j8f g+= @&, n]vgfy, sf:sL .
$ x]Dhf pkzfvf sfof{no kf]v/f dxfgu/kflnsf j8f g+= @%, sf:sL .
% a];Lzx/ pkzfvf sfof{no a];Lzx/ g=kf= j8f g+= *, z]/f, ndh'Ë .
^ b'n]uf}8f pkzfvf sfof{no z'Snf u08sL g=kf= j8f g+= $, b'n]uf}8f, tgx'F .
& ledfb pkzfvf sfof{no ledfb gu/kflnsf j8f g+= ^, tgx'F .
* sfjf;f]tL pkzfvf sfof{no sfjf;f]tL g=kf= j8f g+= #, OGb|rf]s, gank/f;L k"j{ .
( JfflnË pkzfvf sfof{no jflnË gu/kflnsf j8f g+= *, :ofËhf .
!) s'Zdf pkzfvf sfof{no s'Zdf gu/kflnsf j8f g+= ^, kj{t .
k|b]z g+= %
Zffvf sfof{no
! c3f{vfFrL zfvf sfof{no ;lGwvs{ gu/kflnsf j8f g+= !, c3f{vfFrL .
@ kfNkf zfvf sfof{no tfGf;]g gu/kflnsf j8f g+= @, kfNkf .
# ab{3f6 zfvf sfof{no ab{3f6 gu/kflnsf j8f g+= $, gjnk/f;L .
$ e}/xjf zfvf sfof{no l;4fy{gu/ gu/kflnsf j8f g+= (, e}/xjf, ?kGb]xL .
% a'6jn zfvf sfof{no a'6jn pkdxfgu/kflnsf j8f g= *, ldngrf]s, ?kGb]xL .
^ lhtk'/ zfvf sfof{no Aff0fuËf gu/kflnsf j8f g+=+ $, slknj:t' .
& 3f]/fxL zfvf sfof{no 3f]/fxL pkdxfgu/kflnsf j8f g+= !%, bfË .
* g]kfnu+h zfvf sfof{no g]kfnu+h pkdxfgu/kflnsf j8f g+=+ @, afFs] .
( sf]xnk'/ zfvf sfof{no sf]xnk'/ gu/kflnsf j8f g+=+= !!, afFs] .
pkzfvf sfof{no
! a'lt{afË pkzfvf sfof{no 9f]/kf6g gu/kflnsf j8f g+= !, ?s'd k"j{ .
@ /f]Nkf pkzfvf sfof{no /f]Nkf gu/kflnsf j8f g+= $, /f]Nkf .
# lah'jf/ pkzfvf sfof{no Ko"7fg gu/kflnsf j8f g+= $, lah'jf/, Ko"7fg .
$ tD3f; pkzfvf sfof{no /];'Ëf gu/kflnsf j8f g+= !, k'tnLahf/, u'NdL .
% /fdk'/ pkzfvf sfof{no lzj/fh gu/kflnsf j8f g+= %, kfNkf .
^ k/f;L pkzfvf sfof{no /fdu|fd gu/kflnsf j8f g+= %, gjnk/f;L .
& b]abx pkzfvf sfof{no b]jbx gu/kflnsf j8f g+= #, ?kGb]xL .
* d'lu{of pkzfvf sfof{no ;}gfd}gf gu/kflnsf j8f g+= $, ?kGb]xL .
( km;f{l6s/ pkzfvf sfof{no z'4f]wg g=kf= j8f g+= $, km;f{l6s/, ?kGb]xL .
!) enjf/L pkzfvf sfof{no ltnf]Qdf gu/kflnsf j8f g+= & ?kGb]xL .
!! rGb|f}6f pkzfvf sfof{no s[i0fgu/ g=kf= j8f g+= @, rGb|f}6f, slknj:t' .
!@ tf}lnxjf pkzfvf sfof{no slkna:t' gu/kflnsf j8f g+= #, tf}lnxjf, slknj:t' .
5
!# ndxL pkzfvf sfof{no ndxL gu/kflnsf j8f g+= %, bfË .
!$ t'N;Lk'/ pkzfvf sfof{no t'n;Lk'/ pkdxfgu/kflnsf j8f g+= % ,bfË .
!% vh'/f pkzfvf sfof{no vh'/f uf+pkflnsf j8f g+= %, afFs] .
!^ u'n/Lof pkzfvf sfof{no u'n/Lof gu/kflnsf j8f g+= ^, u'n/Lof , alb{of .
!& e'/Lufp pkzfvf sfof{no 7fs'/afaf gu/kflnsf j8f g+= !, alb{of .
!* af+;u9L pkzfvf sfof{no af+;u9L gu/kflnsf j8f g+= %, alb{of .
!( /fhfk'/ pkzfvf sfof{no /fhfk'/ gu/kflnsf j8f g+= $, alb{of
k|b]z g+= ^
Zffvf sfof{no
! hfh/sf]6 zfvf sfof{no e]/L gu/kflnsf j8f g+= $, vn+uf, hfh/sf]6 .
@ la/]Gb|gu/ zfvf sfof{no la/]Gb|gu/ gu/kflnsf j8f g+=+ ^, ;'v]{t .
pkzfvf sfof{no
! d'u' pkzfvf sfof{no 5fFofgfy /f/f gu/kflnsf j8f g+= @, d'u' .
@ h'Dnf pkzfvf sfof{no rGbggfy gu/kflnsf j8f g+= %, h'Dnf .
# b}n]v pkzfvf sfof{no gf/fo0f gu/kflnsf j8f g+= !, b]jbxrf]s, b}n]v .
$ vn+uf ?s'd pkzfvf sfof{no d';Lsf]6 gu/kflnsf j8f g+= ! , vn+uf, ?s'd .
% >Lgu/ pkzfvf sfof{no zf/bf gu/kflnsf j8f g+= !, >Lgu/, ;Nofg .
^ ;lNnahf/ pkzfvf sfof{no aGfuf8 s'lk08] gu/kflnsf j8f g+= !, ;NnLahf/, ;Nofg .
k|b]z g+= &
Zffvf sfof{no
! 88]nw'/f zfvf sfof{no cd/u9L gu/kflnsf j8f g+= %, t'kmfg 8fF8f, 88]Nw'/f .
@ wgu9L zfvf sfof{no wgu9L pkdxfgu/kflnsf j8f g+= #, rf}/fx, s}nfnL .
# 6Lsfk'/ zfvf sfof{no 6Lsfk'/ g=kf= j8f g+= !, sflGtahf/, s}nfnL .
$ cQ/Lof zfvf sfof{no uf]bfj/L g=kf= j8f g+= &, cQ/Lof, s}nfnL .
% dx]Gb|gu/ zfvf sfof{no eLdbQ gu/kflnsf j8f g+=$, s~rgk'/ .
pkzfvf sfof{no
! r}gk'/ pkzfvf sfof{no hok[YjL gu/kflnsf j8f g+= !, r}gk'/, aemfª .
@ lbkfon pkzfvf sfof{no lbkfon l;nu9L gu/kflnsf j8f g+= $, 8f]6L .
# c5fd pkzfvf sfof{no ;fFkm]ahf/ gu/kflnsf j8f g+= $, Po{/kf]6 ahf/, c5fd .
$ af}lgof pkzfvf sfof{no ab{uf]lnof ufpkflnsf j8f g+= !, s}nfnL .
% nDsL pkzfvf sfof{no nDsLr'xf gu/kflnsf j8f g+= !, s}nfnL .
^ kxndfgk'/ pkzfvf sfof{no 3f]8f3f]8L gu/kflnsf j8f g+= !) , s}nfnL .
& emnf/L pkzfvf sfof{no z'SnfkmfF6f gu/kflnsf j8f g+= !), emnf/L, s~rgk'/ .
* a]nf}/L pkzfvf sfof{no a]nf}/L gu/kflnsf j8f g+= $, s~rgk'/ .
%= ;+ul7t ;+:yfsf] :yfkgfsfn b]lv xfn;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf d'Vo p2]Zox? M of] sDkgL sDkgL P]g,
@)^# adf]lhd ldlt @)^$ cfiff9 !@ ut] g]kfn ;/sf/, sDkgL /lhi6«f/sf] sfof{nodf klAns sDkgLsf] ?kdf btf{
ePsf] xf] . aLdf P]g, @)&( tyf aLdf ljlgodfjnL, @)$( cg';f/ ldlt @)&$ efb| & ut] g]kfn aLdf k|flws/0faf6
hLjg aLdf ;DaGwL sf/f]af/ ug{ :jLs[lt k|fKt u/L hLjg aLdf sDkgLsf] x}l;otn] ldlt @)&$ sflt{s @ ut] b]lv hLjg
aLdf ;DaGwL sf/f]af/ ;~rfng ub}{ cfO/x]sf] 5 . o; sDkgLsf] ;+:yfksx?df a}+lsË tyf ljQLo, aLdf, hnljB't, ko{6g,
z}lIfs, ;/sf/L Pjd\ u}x| ;/sf/L, s[lif, pBf]u tyf Jofkf/ Pj+ Joj:yfkg If]qdf nfdf] ;do b]lv sfo{/t /xL cg'ej k|fKt
k|ltli7t JolQmTjx? /xg' ePsf] 5 .
sDkgLsf] k|aGwkqsf] bkmf $ tyf lgodfjnLsf] lgod $ df pNn]v ul/P adf]lhd aLdf P]g, @)&(, sDkgL P]g, @)^#
tyf cGo k|rlnt sfg'gsf] clwgdf /xL hLjg aLdf ;DaGwL sf/f]af/ ug{ o; sDkgLsf]] d'Vo p2]Zox? b]xfo adf]lhd
x'g]5 M
-s_ k|rlnt aLdf P]g tyf lgodx?sf] clwgdf /xL ;fjlws (Endowment) hLjg aLdf, clu|d e'QmfgL (Money Back)
hLjg aLdf, cfhLjg (Whole Life) hLjg aLdf, DofbL (Term ) hLjg aLdf, n3' (Micro) aLdf, shf{ ;'/If0f aLdf,
o'lge;{n nfOkm (Universal Life) tyf o'lg6 lnÍ (Unit Link) nufotsf /fli6«o÷cGt/f{li6«o If]qdf k|rlnt ljleGg
k|sf/sf] hLjg aLdf Joj;fo ug]{ .
6
-v_ hLjg aLdfn]vdf cfj4 u/L jf gu/L ;fd"lxs tyf JolQmut b'3{6gf, 3fts /f]u (Critical Illness) nufotsf b'3{6gf
aLdf (Accidental Insurance) Pj+ cf}ifwL pkrf/ (Medical Treatment) aLdf of]hgf ;~rfng ug]{] .
-u_ ;+:yfut tyf JolQmut ?kdf ljleGg k|sf/sf lgj[lte/0f of]hgf (Pension Scheme) tyf PGo'6L (Annuity) ;DaGwL
of]hgfx? ;~rfng ug]{] .
-3_ sDkgLåf/f ;~rflnt ljleGg aLdf Joj;fosf] ;+/If0f ;Daw{gsf nflu dgfl;j 7flgPsf :jb]zL tyf ljb]zL k'gaL{df
sDkgLx?;Fu k''gaL{df ug]{÷u/fpg]] .
-ª_ k|rlnt aLdf P]g tyf lgodx?sf] clwgdf /xL ˆofsN6]l6e aLdf (Facultative Insurance) tyf ;x–aLdf (Co-
Insurance) ug]{ u/fpg]] .
-r_ sDkgLåf/f ;~rflnt ljleGg Joj;foaf6 k|fKt /sd g]kfn aLdf k|flws/0fåf/f lgb]{z ul/P adf]lhd sDkgLn] 7Ls
7x/fPsf] g]kfn/fHo leqsf ljleGg If]qdf nufgL ug]{ / ;f] nufgLsf] c;'n pk/ / ;'/Iffsf nflu cfjZos Joj:yf
ug]{ .
-5_ sDkgLsf] s'g} ;DklQ ef8fdf lbg], laqmL ug]{ jf cGo k|sf/af6 aGbf]a:t ug]{ .
-h_ sDkgLn] dgfl;j ;Dem]df lgodgsf/L lgsfosf] :jLs[lt lnO{ ljb]zdf nufgL ug]{ .
-em_ nufgL gLltsf] clwgdf /xL cGo :jb]zL Pj+ ljb]zL sDkgLsf] z]o/ k"FhLdf nufgL ug]{ .
^= ;+ul7t ;+:yfsf] s'g} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, Oltxf;, To;sf d'Vo p2]Zox?sf ;fy} To;df
ePsf] nufgLsf] c+z -k|ltztdf_ M ;f] gePsf] .
&= b]xfosf s'/fx? ;d]t pNn]v ug'{kg]{ -nfu" x'g] xb;Dd_ M
s_ ;+ul7t ;+:yfn] pTkfbg ug]{ j:t' tyf k|bfg ug]{ ;]jfx? M hLjg aLdf ;DaGwL ;]jfx? .
v_ k|of]u ePsf] jf ul/g] k|ljlw M aLdf tyf k'gaL{df;Fu ;DalGwt k|ljlwx? .
u_ s'g} a|f08g]d, k|ltlnlk clwsf/, 6]«8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ljQLo ;+:yf;Fu ;DalGwt af}l¢s
;DklQ xs clwsf/ M sDkgLsf] nf]uf] tyf aLdfn]v of]hgf nufotsf lrGxx?nfO{ >L pBf]u jfl0fHo tyf cfk"lt{
dGqfno, pBf]u ljefu, lqk'/]Zj/df 6]«8dfs{ btf{ u/L lg0f{o k|lqmofdf /x]sf] .
3_ ;+ul7t ;+:yfn] cf]u6]sf] ahf/ If]q M ldlt @)&$ efb| & ut]b]lv sDkgLn] hLjg aLdf ;DaGwL sf/f]af/ ug{ g]kfn
aLdf k|flws/0faf6 Ohfht k|fKt u/L ldlt @)&$ sflt{s @ ut] b]lv hLjg aLdf sDkgLsf] x}l;otn] g]kfn /fHoe/sf]
!$) j6f zfvf tyf pkzfvf sfof{nox? :yfkgf u/L hLjg aLdf ;DaGwL Joj;fo sf/f]af/ ;~rfng ub}{ cfO/x]sf]
5 . ;fy} o; sDkgLn] @)*) ;fn h]7 d;fGt ;Dddf @,(!,)^( aLdfn]v hf/L ug{ ;kmn eO{ ;f] cjlw leqdf
sDkgLsf] sf/f]af/ ?=!&,@),(%,!*,%&@ k'¥ofpg ;kmn /x]sf] 5 .
ª_ gofF pTkfbg tyf ;]jf ;DaGwL of]hgf M ;do ;fk]If cg';f/ gofF aLdf of]hgf tyf ;]jfx?sf] ljsf; u/L ;DefJo
u|fxsx?sf] klxrfg u/]/ cfˆgf] Jofkf/ lj:tf/ ug]{ of]hgf /x]sf] 5 . xfn sDkgLn] lgDg lnlvt gofF aLdf of]hgfx?
ahf/df NofPsf] 5 .
s_ l;l6hg hLjg ;f/yL of]hgf
v_ l;l6hg afn eljio hLjg aLdf of]hgf
u_ l;l6hg z'ef/De aLdf of]hgf
3_ l;l6hg clu|d e'QmfgL aLdf of]hgf
ª_ l;l6hg jflif{s clu|d e'QmfgL aLdf of]hgf
r_ l;l6hg ;fd'lxs DofbL aLdf of]hgf
5_ l;l6hg ;fd'lxs DofbL hLjg aLdf of]hgf
h_ j}b]lzs /f]huf/ DofbL hLjg aLdf
em_ l;l6hg ;'/Iff of]hgf
aLdf of]hgfx? cg';f/sf] sDkgLsf] @)*) h]i7 d;fGt;Ddsf] k|ult ljj/0f b]xfo adf]lhd k|:t't ul/Psf] 5 .
xfn ;Ddsf] rfn' cf=j= sf] h]7 d;fGt
qm=;+= aLdfn]vsf]] gfd
aLdfz'Ns /sd ;Ddsf] aLdfz'Ns /sd
s l;l6hg hLjg ;f/yL of]hgf 3,313,589,951 698,840,490
v l;l6hg afn eljio hLjg aLdf of]hgf 2,078,676,278 530,997,338
u l;l6hg z'ef/De aLdf of]hgf 4,404,323,503 1,644,701,402
3 l;l6hg clu|d e'QmfgL aLdf of]hgf 267,389,585 79,138,101
ª l;l6hg jflif{s clu|d e'QmfgL aLdf of]hgf 4,753,231,625 1,191,303,737
r l;l6hg ;fd'lxs DofbL aLdf of]hgf 33,721,825 3,677,275
5 l;l6hg ;fd'lxs DofbL hLjg aLdf of]hgf 206,032,455 40,081,417
h j}b]lzs /f]huf/ DofbL hLjg aLdf 970,121,999 187,954,526
em l;l6hg ;'/Iff of]hgf 1,182,431,352 463,141,583
hDdf 17,209,518,572 4,839,835,869
7
r_ pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M o; sDkgL aLdf P]g, @)&( tyf aLdf
ljlgodfjnL, @)$( cGtu{t g]kfn aLdf k|flws/0faf6 hLjg aLdf sf/f]af/ ug{ :jLs[lt k|fKt sDkgL ePsf]n]
sDkgLsf] k|d'v ahf/ g]kfn /fHoe/ /x]sf] 5 . xfnsf] kl/k|]Iodf g]kfndf aLdf If]qsf] bfo/f km/flsnf] eO{ /x]sf] x'bf
hLjg aLdf ;DaGwL gofF gofF aLdfn]vx?sf] dfu eP adf]lhd g]kfn /fHoe/ cfˆgf] zfvf tyf pk zfvf sfof{nox?
tyf clestf{x? dfkm{t aLdfn]vx? laqmL ljt/0f ug]{ Joj:yf ul/Psf] 5 .
5_ pTkfbg÷;~rfng Ifdtf / ;f] sf] pkef]u l:ylt M aLdf If]qdf nfdf] cg'ej xfl;n ug'{ ePsf ;~rfns÷Joj:yfkgsf]
bIftfsf] cfwf/df o; sDkgLn] :yfkgfsf] 5f]6f] ;dodf g} hLjg aLdf ahf/df /fd|f] lx:;f cf]u6\g / cfˆgf aLldt
;]jfu|fxLx?nfO{ pTs[i6 ;]jf k|bfg ug{ ;kmn /x]sf] b]lvG5 .
h_ sRrf kbfy{sf] >f]t, lsl;d / pknAWftf M nfu" gx'g] .
em_ u'0f:t/ lgoGq0fsf] nflu ul/Psf] Joj:yf M u'0f:t/ lgoGq0fsf] nflu ul/Psf] Joj:yf cGtu{t sDkgLn] cfˆgf] sfo{
r':t÷b'?:t ;~rfng ug{ aLdf, Joj:yfkg, a}+s tyf ljQLo ;+:yf, ko{6g, lzIff, ;/sf/L ;]jf, pBf]u Pj+ Jofkfl/s
If]qdf nfdf] cg'ej xfl;n ug'{ ePsf ;~rfns÷Joj:yfkg ;d"x ;]jfu|fxLx?sf] u'0f:t/Lo ;]jf, ;'ljwf tyf ;Gt'li6sf]
nflu tTk/ /x]sf 5g\ . ;fy} ;DklQ z'l4s/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$, ;f] sf] lgodfjnL tyf lgofds
lgsfoaf6 hf/L lgb]{lzsfdf pNn]lvt u|fxs klxrfg ;DaGwL ljBdfg Joj:yf tyf dfkb08x?sf] kfngf ub}{ aLdf
ug{ rfxg] JolQmsf] pd]/ tyf aLdfÍ /sdsf] cfwf/df :jf:Yo k/LIf0f u/fpg], aLdf z'Ns e'QmfgL ug{ ;Sg] lgoldt
cfo >f]t v'nfpg nufpg] tyf k|:tfljt aLdfÍ cg';f/sf] aLdf ug{ of]Uo /x] g/x]sf] olsg ug{ c08//fO{l6Ësf]
dfWodaf6 hf]lvdfÍg (Risk Assessment) ug{] Joj:yf ul/Psf] 5 .
`_ cg':fGwfg tyf ljsf; M g]kfnsf] aLdf If]qsf] lj:tf/ tyf k|lt:kwf{Tds l:ylt /x]sf] cfhsf] k[i7e"lddf aLdf
sDkgLx?n] cg';Gwfg tyf ljsf;nfO{ pRr k|fyldstf lbO{/x]sf] kl/k|]Iodf ;f] sfo{sf] nflu 5'§} clws[t lgo'Qm
ul/g]5 . h;n] gof ;]jfx?sf] ljsf; dfq geO{ xfn k|bfg ul/Psf ;]jf÷aLdfn]vx?df ;do ;fk]If ?kdf cfjZos
kl/dfh{gx? ug]{, gofF aLdfn]vx?sf] pko'Qmtfsf] ;DaGwdf Joj:yfkgnfO{ ;'emfj pknAw u/fpg]5 . ;fy} sDkgLn]
u|fxsju{df gofF aLdf of]hgfx?, u|fxsd'vL ;/n bfaL e'QmfgL ;'ljwf / ljZj;gLo gofF gofF k|ljlwsf] k|of]u u/L
cfˆgf u|fxsx?nfO{ k|lt:kwf{Tds Pj+ u'0f:t/Lo ;]jf k|bfg ug]{ nIo /fv]sf] 5 .
6_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;~rfngdf c;/ kg]{ u/L ePsf] afwf, Jojwfg M ;f] gePsf] .
7_ dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP, ;f] ;DaGWfL ljj/0f M ;f] gePsf] .
8_ ahf/ k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M aLdf sf/f]af/ ;~rfngsf] lx;fan] s]jn sl/j
5 jif{ cjlwsf] sDkgL ePtfklg cGo ;dfg aLdf sDkgLx? aLr o; sDkgLn] cfkm\gf] l:yltnfO{ dha't agfpb}
nu]sf] 5 . ;dfg k|s[ltsf aLdf sDkgLx? aLr k|lt:kwf{ ePtfklg :yfkgfsfn b]lv g} ;~rfng d'gfkmfdf /xL cfkm\gf]
5'§} klxrfg agfpg ;kmn eO{ hLjg aLdfsf] ahf/df cfˆgf] :yfg cf]u6\g ;kmn /x]sf] 5 . k|lt:kwf{Tds ahf/df
;dfg sDkgLx?sf aLrdf cfˆgf] 5'§} klxrfg agfpg ;kmn eO{ cl3 al9/x]sf]df t'ngfTds ljj/0f lgDgfg';f/ /x]sf]
5M /sd ?= nfvdf
sf/f]af/ k|yd aLdf z'Ns cfh{g
ahf/ lx:;f
qm=;++= sDkgLsf] gfd ;~rfng -cf=j= @)&(÷)*) sf]
-k|ltztdf_
ldlt -lj=;+=_ j}zfv ;Dd_
! l;l6hg nfOkm OG:of]/]G; sDkgL ln= 2074 14,040 6.02%
cGo k|ltikwL{{ sDkgLx? M
@ g]kfn nfOkm OG:of]/]G; sDkgL ln= 2058 44,924 19.26%
# nfOkm OG:of]/]G; skf]{/]zg -g]kfn_ ln= 2058 18,337 7.86%
$ g]zgn nfOkm O{G:of]/]G; s+= ln= 2048 28,816 12.35%
% /fli6«o aLdf ;+:yfg 2029 8,491 3.64%
^ ;"o{Hof]lt nfO{km O{G:of]/]G; sDkgL ln= 2064 20,619 8.84%
& o'lgog nfO{km O{G:of]/]G; sDkgL ln= 2074 9,444 4.05%
* Plzog nfO{km O{G:of]/]G; sDkgL ln= 2064 11,495 4.93%
( cfO{=Pd=O{ nfO{km O{G:of]/]G; sDkgL ln= 2074 10,504 4.50%
!) d]6 nfO{km 2058 9,871 4.23%
!! k|fOd nfO{km O{G:of]/]G; sDkgL ln= 2064 6,044 2.59%
!@ ;g g]kfn nfO{km O{G:of]/]G; sDkgL ln= 2074 14,373 6.16%
!# l/nfoan g]kfn nfO{km O{G:of]/]G; sDkgL ln= 2074 11,198 4.80%
!$ ;flgdf l/nfoG; nfOkm O{G:of]/]G; ln= 2074 13,324 5.71%
!% u'/fF; nfOkm O{G:of]/]G; sDkgL ln= 2064 2,842 1.22%
!^ k|e' nfOkm O{G:of]/]G; ln= 2074 4,976 2.13%
!& lxdfnog nfOkm O{G:of]/]G; ln= 2080 243 0.10%
!* dxfnIdL nfOkm O{G:of]/]G; ln= 2076 3,735 1.60%
>f]t M g]kfn aLdf k|flws/0fsf] dfl;s ljQLo tYofÍaf6 ;fef/ .
8
9_ k|d'v u|fxsx?sf] ljj/0f -h:t}M ;+:yfsf] s'n sf/f]af/df !) k|ltzt jf ;f] eGbf a9Ln] of]ubfg ug]{ jf Joj;fosf]
nflu ;+:yf s'g} k|d'v u|fxs;Fu lge{/ 5 eg] tT;DaGwL ljj/0f_ M ;f] gePsf] .
0f_ k|d'v ;Knfo;{x?sf] ljj/0f -h:t}M ;+:yfsf] s'n sf/f]af/df !) k|ltzt jf ;f] eGbf a9Ln] of]ubfg ug]{ ;Knfo;{ jf
Joj;fosf] nflu ;+ul7t ;+:yf s'g} k|d'v ;Knfo;{;Fu lge{/ 5 eg] tT;DaGwL ljj/0f_ M ;f] gePsf] .
u=#=v_ ;Dkltsf] ljj/0f M
c_ ;+ul7t ;+:yfsf] pks/0f (Plant) tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M sDkgLsf] cfly{s jif{
@)&*÷)&( ;Ddsf] ;DklQsf] cj:yf b]xfo adf]lhd /x]sf] 5 M
;DklQ / pks/0f M
/sd ?= xhf/df
o; jif{ o; jif{ x«f; s§L v'b df]n o;
ljj/0f Zf'? df}Hbft hDdf
yk]sf] 36]sf] hDdf jif{;Dd
lk|m xf]N8 hldg - - - - - -
ejg - - - - - -
kmlg{r/ tyf lkmS;\r;{ 24,243 4,377 - 28,620 9,994 18,627
sfof{no ;fdfg 13,096 2,575 - 15,671 8,599 7,072
sDKo'6/ tyf ;'rgf k|ljwL pks/0f 19,290 4,197 77 23,409 10,822 12,587
cb[Zo ;DklQ (Software) 4,577 11 - 4,588 2,305 2,283
;jf/L ;fwg 16,932 17,948 5,176 29,704 11,234 18,470
lnh xf]N8 ;DklQ 37,215 9,258 - 46,473 25,046 21,426
cGo -k|s[lt v'nfpg]_ - - - - - -
hDdf 115,352 38,367 5,253 148,465 67,999 80,466
lgdf{0fflwg k"FhLut vr{ - - - - - -
s'n hDdf 115,352 38,367 5,253 148,465 67,999 80,466
cf_ aF'bf -c_ df pNn]lvt ;DklQ ;+ul7t ;+:yfsf] cfˆg} ;DklQ xf] jf lnhdf lnPsf], lnhdf lnPsf] eP lnhsf] cjlw -ldlt
;d]t pNn]v ug'{kg]{_ M pQm a'bfFdf pNn]lvt ;DklQ sDkgLsf] cfˆg} :jfldTjsf] xf] .
O_ olb ;DklQ ;+ul7t ;+:yfsf] cfˆg} :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h eP ;f] ;DaGwL ljj/0fM
;f] gePsf] .
O{_ cfly{s jif{ ;dfKt eP kZrft\ ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfaL d"No / ahf/
d"No aLr km/s ePdf ;f]sf] ljj/0f M sDkgLsf] ;Dk"0f{ ;DklQ k'gd"{NofÍg gul/Psf] x'bfF lstfaL d"No / ahf/ d"No aLr
km/s gePsf] .
p_ ;DklQsf] d"NofÍg ul/Psf] tl/sf ;DaGwL ljj/0f M k/n df]ndf lgodfg';f/ ug'{kg]{ x|f; s§L u/L n]vfdfg cg';f/ afFsL
/x]sf] jf:tljs ;DklQnfO{ ;DklQsf] ?kdf /flvPsf] 5 / ;f] sf] k'gd"{NofÍg ul/Psf] 5}g .
u=#=u_ efjL of]hgf tyf /0fgLlt M
s_ Joj;fo÷;]jfsf] j[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doj4 /0fgLlt M o;
sDkgLn] g]kfndf hLjg aLdf Joj;fosf] ljsf; ug{ aLdf ;DaGwL hgr]tgf clej[l4 u/L x/]s If]qdf aLdf k|lt cfslif{t
ub}{ aLdf If]qdf ;j{;fwf/0f, pBf]uL, Jofkf/L Pj+ ljleGg ;+3 ;+:yfx? ;Dddf aLdf k|0ffnL dfkm{t ;/n, ;'ne / l56f]
5l/tf] tl/sfaf6 e/kbf]{ Pj+ u'0f:t/Lo aLdf ;]jf k|bfg ug]{ tyf lgs6 eljiodf u|fdL0f ;d'bfo ;Dd ;]jf lj:tf/ ug]{,
;]jfdf ljljlws/0f ub}{ hfg] tyf yk ;]jf lj:tf/ ub}{ hfg] of]hgf o; sDkgLsf] /x]sf] 5 . u|fxs dxfg'efjx?sf] ;]jfdf
/ ;fdflhs pQ/bfloTj ;d]tnfO{ Wofgdf /fvL sfo{ ul/g]5 . sDkgLsf] bL3{sfnLg lxt / Joj;fo k|j4{gsf nflu
lgDgfg';f/sf] sfo{ of]hgf cuf8L a9fOPsf] 5 M
— hLjg aLdf ;]jfnfO{ ;dfhsf x/]s ;d'bfosf JolQmx? ;Dd lj:tf/ ug{ pko'Qm aLdf of]hgfx? th'{df u/L u'0f:t/Lo
aLdf ;]jf k|bfg ug]{ sfo{df k|of;/t /xg] .
— nufgL ljljlws/0f u/L cf}ift cfo j[l4 ug]{ tyf aLldtx?sf] k|ltkmn j[l4df k|of;/t /xg] .
— eljiodf ;d]t u|fxsx?af6 dfu eP adf]lhdsf aLdf ;]jf ;'ljwfx? cfˆgf u|fxsju{df Nofpg k|oTg/t /xg] .
— n3'aLdf of]hgfsf] dfWodaf6 cfd dflg;df aLdf ;]jf k'¥ofpg k|of;/t /xg] .
— cGt/f{li6«o ahf/ ;d]tnfO{ b[li6ut u/L gofF aLdf of]hgfx? th{'df ug]{ .
— sDkgLsf] ;"rgf k|ljlwsf] ljsf; / lj:tf/nfO{ yk ltj|tf lbO{ sfo{Ifdtf / ;'/Iffdf j[l4 ug]{ .
— aLldtsf] ;]jf k|0ffnLdf u'0ffTds j[l4 ug]{, bfaL e'QmfgL k|s[ofdf ;/nLs/0f Pj+ gjLs/0f aLdf z'Ns e'QmfgLdf
;xhtf ckgfpg] .
— sd{rf/L tyf clestf{x?sf] k]zfut bIftf clej[l4sf sfo{qmdx? th{'df ug]{ .
— Joj;flos ;DefJotfsf] cfwf/df ljb]zdf ;Dks{ sfof{no :yfkgfsf nflu kxn ug]{ .
— ;]jfu|fxLx?sf] ;+Vofdf j[l4 ub}{ nlug] .
— ;do;fk]If ?kdf sfo{If]q lj:tf/ u/L sDkgLsf] bfo/f km/flsnf] agfpb} nlug] .
9
— g]kfn aLdf k|flws/0fsf] lgb]{zg adf]lhd sDkgLsf] r'Qmf k"+hL ?= kf+r cj{ k'¥ofpg eljiodf ;j{;fwf/0fx?df k|fylds
z]o/ lgisf;g hf/L ug]{ tyf xsk|b÷af]g; z]o/ lgisfzg ug]{ .
— k|aGwkqsf] bkmf $ tyf lgodfjnLsf] lgod $ df pNn]v eP adf]lhdsf p2]Zox? xfl;n ug{sf nflu hLjg aLdf
;DaGwL sf/f]af/x? lj:tf/ ub}{ nlug] .
sDkgLsf] bL3{sfnLg lxt / Joj;fo k|a4{gsf nflu lgDgfg';f/sf] sfo{ of]hgf cuf8L a9fOPsf] 5 M
Dffgj ;+zfwg ljsf; M hLjg aLdf Joj;fodf bIf hgzlQmsf] cefj v8\ls/x]sf] cj:yfdf o; sDkgLdf sfo{/t
sd{rf/Lx?nfO{ cfGtl/s tyf afXo tflnd k|bfg u/L ;fk]lIfs ?kdf bIf agfpg] p4]Zon] hLjg aLdf Joj;fo;+u ;DalGwt
ljifodf :jb]zL tyf ljb]zL tflnd k|bfos ;+:yfx?;+usf] ;xsfo{df ahf/ Joj:yfkg, laqmL snf, hf]lvdfÍg nufotsf
If]q;+u ;DalGwt ljifodf sfo{ ;Dkfbg Ifdtf Pj+ bIftf clej[l4 u/fpg] tflndx?df ;xefuL u/fpb} cfOPsf] 5 . o;}
u/L hf]lvdf°g, sd{rf/L k|zf;g, ljQ Joj:yfkg, g]t[Tj ljsf;, ;+:yfut ;'zf;g tyf sDkgLsf] Joj;fo j[l4 ug{
cfjZos cfGtl/s tflndx? lbg] qmd lg/Gt/ ?kdf eO/x]sf] / cfufdL lbgx?df ;d]t o;nfO{ lg/Gt/tf lbOg]5 .
zfvf sfof{no lj:tf/ M aLdf ;]jfsf] kx'Fr k'¥ofpg] p4]Zo cg'?k xfn ;Dd !$) j6f zfvf tyf pkzfvf sfof{nox?
:yfkgf u/L :yfgLo :t/af6} hLjg aLdf ;]jf k|bfg ul//x]sf] 5 . sDkgLsf] zfvf ;~hfn lj:tf/ ub}{ hfg] qmddf cfly{s
jif{ @)&(÷)*) df yk !) :yfgdf gof+ zfvf÷pkzfvf sfof{no :yfkgf u/L sDkgLn] cfˆgf] sfof{no ;+Vof !%) k'¥ofO{
g]kfn /fHoe/ lxdfn b]lv t/fO{ tyf k"j{ d]rL b]lv klZrd dxfsfnL ;Dd l8lh6n k|ljlwsf] k|of]u u/L hLjg aLdf ;]jf
k|bfg ug{] nIo lnOPsf] 5 .
aLdf clestf{ tflnd Pj+ j[lQ ljsf; M b]zdf ljBdfg hLjg aLdf ;DaGwL hgr]tgfsf] sdLsf jfah'b o; sDkgLsf]
Joj;fonfO{ cl3 a9fpg hLjg aLdf clestf{ æl;l6hg ln8/Æ af6 Jofks ;xof]u k'u]sf] 5 . sDkgLn] cfˆgf] Joj;flos
nIo k|fKt ug{sf nflu a9L eGbf a9L aLdf clestf{x? pTkfbg ug{ lgofds lgsfosf] lgb]{zg adf]lhd lg/Gt/ ?kdf
clestf{ cfwf/e"t tflnd ;~rfng ul/cfPsf] 5 . o;} u/L clestf{x?nfO{ ;dofg's"n :t/f]Gglt u/fpg] p4]Zon] hLjg
aLdf Joj;fodf ;+nUg /x]sf bIf sd{rf/Lx?sf] dfWodaf6 zfvf Pj+ pkzfvf sfof{no :t/df lg/Gt/ ?kdf hLjg aLdf
Joj;fosf] ljsf;sf nflu tflnd pknAw u/fO{ clestf{x?sf] j[lQ ljsf; u/fpg, hgdfg;df aLdf k|ltsf] hfu/0f
u/fpg tyf gof+ JolQmx?nfO{ clestf{sf] ?kdf cl3 a9\g k|]l/t ul/Psf] 5 . ;fy} sDkgLsf zfvf Pjd\ pkzfvf
sfof{nox?df lg/Gt/ ?kdf sDkgLsf k|d'v sfo{sf/L clws[t, k|d'v ahf/ Joj:yfkg clws[t Pj+ k|d'v Joj;fo
clws[tx?sf] ;d]t ;xefuLtfdf sDkgLsf] Joj;fo j[l4 Pj+ clestf{ tyf hgdfg;df hLjg aLdfsf] dxTjsf] ;DaGwdf
;r]tgf clej[l4sf] nflu sfo{zfnf, uf]i7L, ;]ldgf/ sfo{qmd ul/ cfPsf] 5 .
;+:yfut ;'zf;g M s'g} klg ;+:yf alnof] x'g'df ;f] ;+:yfsf] b}lgs lqmofsnfkdf ;+:yfut ;'zf;gsf] cToGt 7"nf] e"ldsf
x'G5 . g]kfn aLdf k|flws/0faf6 ;do ;dodf hf/L ePsf lgb]{lzsf, lgb]{zg Pj+ kl/kqx?, aLdf P]g tyf lgodfjnL,
sDkgL P]g, @)^# tyf lwtf]kq P]g, @)^# nufot k|rlnt P]g tyf lgodfjnLdf ePsf sfg"gL Joj:yfx?sf] k"0f{ kl/kfngf
ug{ u/fpg sDkgL ;b}j ;hu / ;r]t /x]sf] 5 .
aLdf d}qL ;"rgf k|ljlwM ;"rgf k|ljlwsf] b'|tt/ ljsf;n] aLdf If]qdf c;Lldt ;Defjgfx¿ l;h{gf ug'{sf ;fy} plQs}
dfqfdf r'gf}tLx? ;d]t Yfk]sf] 5 . o; s'/fnfO{ Wofgdf /fvL cfufdL lbgdf pknAw k|ljlwsf] clwstd ;b'kof]u ub}{
aLdfsf ;Dk"0f{ u|fxsx?nfO{ yk ;'/lIft tyf cTofw'lgs ;]jf ;'ljwf pknAw u/fpg]tkm{ pGd'v /xg] 5 .
gofF aLdf sDkgLx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g ;Sg] hf]lvdx?, aLdf sDkgLn] k|bfg u/]sf] tyf eljiodf
k|bfg ul/g] aLdf ;]jfaf6 x'g ;Sg] hf]lvd, b]zsf] /fhg}lts kl/l:yltaf6 cfpg ;Sg] hf]lvdx?, b]zsf] cfly{s cj:yfdf
cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx?, g]kfn ;/sf/sf] cfly{s gLlt tyf aLdf k|flws/0fsf] gLltdf x'g] kl/jt{gaf6
>[hgf x'g ;Sg] hf]lvdx?, kF"hL tyf aLdf ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx?, cGt/f{li6«o
ahf/df x'g] dGbLaf6 g]kfnsf] ahf/df kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx?, b]zsf] df}lb|s gLlt nufot g]kfn
/fi6« a}+sn] hf/L ug]{ gLlt, lgod / lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf x'g] ;Defljt hf]lvdx?, b]zsf] a}b]lzs
/f]huf/ gLltdf x'g ;Sg] kl/jt{g tyf ljb]zL d'b|fsf] ljlgdo b/df 36\a9 eO{ pTkGg x'g ;Sg] ;Defljt hf]lvdx?
nufot ;Dk"0f{ hf]lvdx?sf] uxg cWoog / ljZn]if0f u/L pQm hf]lvdx? Go"gLs/0f ub}{ hfg] /0fgLlt sDkgLn] lnPsf]
5.
aLdf ahf/sf] lj:tf/ tyf ;]jf j[l4sf] nflu aLdf sDkgLn] Nofpg] yk of]hgfM
o sDkgLsf] sf/f]af/ tyf ;]jfnfO{ g]kfn /fHoe/ Jofks ?kdf lj:tf/ ug{ kxn ul/g]5 .
o sDkgLsf] Joj;fo j[l4sf nflu clestf{x?sf] e"ldsf dxTjk"0f{ x'g] x'Fbf bIf clestf{x? pTkfbg ug{ tyf sDkgLdf
cfj4 clestf{x?sf] j[lQ ljsf; u/L Joj;flos clestf{x? (Career oriented professional agency) sf] ;~hfn
lj:tf/ ug{ cg'ejL k|lzIfsx?af6 lg/Gt/ ?kdf tflnd, e]nf, uf]i7L, ;]ldgf/ h:tf sfo{qmdx? ;~rfng u/L sDkgLn]
k|rngdf NofPsf aLdf of]hgfx?sf ;DaGwdf :ki6 hfgsf/L lbO{ k|ljlwo'Qm Joj;flos aLdf ;]jf pknAw u/fpg] .
o sDkgLsf] u|fxs s]lGb|t ;]jfnfO{ yk pTs[i6 agfpg bIf hgzlQmsf] k"lt{sf nflu sd{rf/Lx?nfO{ :jb]z tyf ljb]zdf
hLjg aLdf Joj;fo;+u ;DalGwt ljleGg sfo{zfnf, uf]i7L, tflnddf ;xefuL u/fpg] .
o hLjg aLdf Joj;fodf ;"rgf k|ljlwsf] ljsf;af6 >[lht cj;/nfO{ pkof]u ub}{ sDkgLsf] ;]jfnfO{ yk k|efjsf/L
agfpg l8lh6nfO{h]zg ug]{ sfo{nfO{ k|fyldstfdf /fVg] .
o hLjg aLdfsf] If]qdf cu|0fL e"ldsf lgjf{x u/L aLdf Joj;foaf6 aLldt tyf z]o/wgLx?nfO{ ;do ;fk]If plrt
k|ltkmn lbg k|of;/t /xg] .
v_ k|lt:kwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf] Joj;fosf] eljio M g]kfnL
aLdf ahf/sf] Oltxf; nfdf] 5}g . xfn !% j6f hLjg aLdf sDkgLx? ;~rfngdf /x]sf 5g . aLdf sDkgLx?sf] aLdf
10
z'Ns, r'Qmf k"FhL, d"gfkmf tyf hu]8fsf] cfwf/df o; sDkgLn] k|lt:kwL{sf aLr 5'§} klxrfg agfpg ;kmn ePsf] 5 .
k|lt:kwf{Tds ahf/df /fli6«o tyf cGt/f{li6«o kl/l:yltn] b]zsf] cfly{s l:ylt cg's'n g/x]sf] cj:yfdf k|lts"n k|efj
kfg]{ ePtf klg cfˆgf] Joj;flos sf/f]af/nfO{ cl3 a9fpb} nu]sf] 5 . sDkgLn] @)&$ efb| & ut] g]kfn aLdf k|lws/0faf6
Ohfhtkq k|fKt u/L ldlt @)&$÷)&÷)@ b]lv cfˆgf] Joj;flos sf/f]af/ z'? u/L 5f]6f] cjlwdf g} aLldtx?sf] rfxgf
/ cfjZostf cg';f/sf] :t/Lo u|fxsf]Gd'v ;]jf tyf ;'ljwfx? k|bfg ub}{ pknAw >f]t / ;fwgsf] pko'Qm kl/rfng u/L
t'ngfTds ?kdf pT;fxhgs pknlAw xfl;n u/]sf] 5 . sDkgLsf] Joj;fosf] eljio ;'lglZrt x'g] s]xL cfwf/x?df
sDkgLn] xfn;Dd u/]sf] Joj;flos k|ult, a9\bf] ahf/ lx:;f tyf ;'b[9 ljQLo kl/;"rsx?nfO{ lng ;lsG5 .
:yfkgfsfnb]lv @)&( r}q d;fGtsf] 5f]6f] cjlwdf g} b]zsf ljleGg lhNnfdf u/L !$) :yfgdf cfˆgf] zfvf ;~hfn
lj:tf/ u/L s'n aLdf z'Ns ?=!^,&#,!(,)&,%)#.– ;+sng ul/Psf], z]o/wgLx?sf] sf]ifdf ?=#,(!,)^,)%,))).– tyf hLjg
aLdf sf]ifdf ?= *,$&,$!,%*,^^&.– k'¥ofpg ;kmn ePsf] 5 . sDkgLsf] ahf/ lx:;fdf qmlds a9f]Q/Ldf cfPsf], clestf{
;~hfn lgdf{0fdf j[l4 ePsf] tyf gofF gofF aLdf of]hgfsf] k|of]u Pj+ cEof; h:tf cfwf/x?nfO{ ;d]t lng ;lsG5 . xfn
$$=%% k|ltzt -g]kfn aLdf k|flws/0fsf] @)&( ;fn r}qsf] Monthly Insurance Business Statistics adf]lhd_ hgtfsf]
dfq aLdfdf kx'Fr k'u]sf] l:yltnfO{ b[li6ut ubf{ aLdf Joj;fosf] eljio ;'lglZrt /x]sf] tkm{ cfzfjfbL x'g ;lsg] kof{Kt
cfwf/ b]lvG5 . aLdf z'Ns, nufgL, d'gfkmf nufot bfjL km5\of}{6, k'gaL{df jfkt s'zn hf]lvd Joj:yfkg, aLdf lzIff,
sd{rf/L, aLdf clestf{ tyf ;/f]sf/jfnf lgsfonfO{ aLdf ;DaGwL cfjZos tflnd, lgofds lgsfoaf6 cfof]hgf ul/g]
ljleGg sfo{qmd jf cWoog ;ldltdf sDkgLsf lj1x?åf/f ul/Psf] ;jn of]ubfg cflbnfO{ ljrf/ ubf{ klg sDkgL ;+:yfut
nIo xfl;n ug]{ tkm{ s]Gb|Lt /x]af6 Joj;flos eljio pknlAwk"0f{ x'g] ljZjf; /x]sf] 5 .
u=#=3_ ;~rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yf M
;~rfns ;ldltsf] ;+/rgf, ;~rfnsx?sf] of]Uotf / k|ltlglwTj tyf ;~rfns x'gsf] nflu lng'kg]{ Go"gtd z]o/ ;+Vof
;DaGwL Joj:yf M o; sDkgLsf] lgodfjnLdf ePsf] Joj:yf cg';f/ & -;ft_ hgf ;~rfnsx? /x]sf] ;~rfns ;ldlt
b]xfo adf]lhd u7g x'g]5 M
;+:yfks z]o/wgLx?af6 dgf]lgt÷lgjf{lrt $ hgf
;j{;fwf/0f z]o/wgLx?af6 dgf]lgt÷lgjf{lrt* @ hgf
:jtGq / Joj;flos ;~rfns ! hgf
hDdf & hgf
o; sDkgLsf] lgodfjnLsf] lgod @* df Joj:yf eP cg';f/ o; sDkgLsf] ;~rfnssf] kbdf lgo'Qm x'gsf nflu s'g}
klg z]o/wgLn] cfˆgf] gfddf sDtLdf !)) -Ps ;o_ lsQf z]o/ lnPsf] x'g' kg]{5 .
t/ :jtGq Joj;flos ljz]if1 ;~rfns tyf ;+ul7t ;+:yfsf] k|ltlglwTj ug]{ ;~rfnssf] xsdf of] Joj:yf nfu" x'g]
5}g .
;~rfnssf] sfo{sfn $ -rf/_ jif{sf] x'g]5 .
* sDkgLsf] rf}yf] jflif{s ;fwf/0f ;efaf6 sDkgLsf] lgodfjnLdf ;+zf]wg u/L ;~rfns ;ldltsf] ;+/rgf tyf ;+rfns
;b:o ;+Vof & hgfsf] /xg] Joj:yf ul/Psf] h;df Pshgf :jtGq ;~rfns ;b:o /xg] Joj:yf ul/Psf] 5 .
sDkgLsf] ;~rfns ;ldltdf ;j{;fwf/0fx?sf] tkm{af6 k|ltlglwTj ug{ ;fwf/0f z]o/sf] ;fj{hlgs lgisfzgsf] qmddf
/xL ;j{;fwf/0f z]o/wgLx?sf] tkm{af6 k|ltlglwTj gePsf] cj:yfdf sDkgLsf] lgodfjnLsf] lgod #! df ul/Psf]
Joj:yf adf]lhd ;j{;fwf/0fsf] nflu 5'§fO{Psf] z]o/sf] ;fj{hlgs lgisfzg geP;Dd ;f] ;d"xsf] ;~rfnssf] ;§f
;+:yfks ;d"xaf6 cfjZostf cg';f/ ;~rfns ;ldltn] ;~rfns lgo'Qm ug{ ;Sg]5 eGg] Joj:yf adf]lhd sDkgLsf]
ldlt @)&(÷)^÷@$ ut] a;]sf] ;~rfns ;ldlt a}7saf6 ;+:yfks z]o/wgL olt jN8{ OGe]i6d]G6 k|f=ln=sf tkm{af6
>L bfjf km'6L z]kf{ / Po/ 8fOg]i6L x]nL ;le{;]h k|f=ln=sf tkm{af6 >L clegj h=j= /f0ffnfO{ ;~rfns ;ldlt
;b:odf lgo'QmL ul/Psf] 5 .
u=$= k"FhL ;+/rgf ;DaGwL hfgsf/L M
u=$=s_ clws[t, hf/L tyf r'Qmf k"FhL / ;+:yfsf] :yfkgf kZrft\ ;f] df kl/jt{g ePsf] eP tT;DaGwL ljj/0f M
 clws[t k"FhL M o; sDkgLsf] clws[t kF"hL ?=5,00,00,00,000÷– -cIf/]kL kfFr cj{ ?k}ofF dfq_ /x]sf] 5 h;nfO{
k|lt z]o/ ?=100÷- sf b/n] hDdf 5,00,00,000 - kfFr s/f]8_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
 hf/L k"FhL M o; sDkgLsf] hf/L kF"hL ?=5,00,00,00,000÷– -cIf/]kL kfFr cj{ ?k}ofF dfq_ /x]sf] 5 h;nfO{ k|lt
z]o/ ?= 100÷- sf b/n] hDdf 5,00,00,000 - kfFr s/f]8_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
 r'Qmf k"FhL M o; sDkgLsf] tTsfn r'Qmf kF"hL @,^@,%),)),)))÷- -cIf/]kL b'O{ cj{ a};¶L s/f]8 krf; nfv dfq_
/x]sf] 5 . h;nfO{ k|lt z]o/ ?= 100÷- sf b/n] 2,62,50,000 -b'O{ s/f]8 a};¶L nfv krf; xhf/_ lsQf ;fwf/0f
z]o/df ljefhg ul/Psf] 5 . o; ljj/0fkq dfkm{t k|fylds ;fj{hlgs lgisfzg u/L ;fwf/0f z]o/sf] afF8kmfF8 u/]
kZrft\ sDkgLsf] r'Qmf kF"hL ?= 3,75,00,00,000÷- -cIf/]kL tLg cj{ krxQ/ s/f]8 ?k}ofF dfq_ x'g]5 .
u=$=v_ clws[t, hf/L tyf r'Qmf k"FhLdf eO{ cfPsf]÷kl/jt{g ePsf] eP tT;DaGwL ljj/0f M o; sDkgLsf] k"FhL ;DaGwdf xfn
;Dd b]xfo adf]lhd kl/jt{g ePsf] 5 M
11
cf=j= clws[t k"FhL -?=_ hf/L k"FhL -?=_ r'Qmf k"FhL -?=_ s}lkmot
2074/075 3,000,000,000 2,500,000,000 2,500,000,000÷-
sDkgL /lhi6«f/sf] sfof{nosf] ldlt
@)&$÷)!÷@( sf] kq adf]lhd
2079/080 5,00,00,00,000 5,00,00,00,000 3,750,000,000÷-
sDkgL /lhi6«f/sf] sfof{nosf] ldlt
@)&(÷!)÷!% ut]sf] kqfg';f/
u=$=u_ lgisfzg kl5sf] r'Qmf kF"hL -;d"xs[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M ;j{;fwf/0fnfO{ z]o/ lgisfzg u/L afF8kmfF8 u/]
kZrft\ x'g] o; sDkgLsf] r'Qmf k"FhLsf] ;+/rgf b]xfo adf]lhd x'g]5 M
;d"x Zf]o/wgL z]o/ lsQf kF"hL ;+/rgf Rf'Qmf /sd -?=_ e'QmfgL k|ltzt
s ;+:yfks z]o/wgLx? 26,250,000 70% 2,625,000,000÷- zt k|ltzt
;j{;fwf/0f z]o/wgLx? 11,250,000 30% 1,125,000,000÷-
lgisfzg kZrft\
v
-sd{rf/Lx? ;d]t_ Ef'QmfgL x'g]
hDdf 37,500,000 100% 3,750,000,000÷-
z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft\_ M

vftfsf] gfd * lgisfzg k"j{ -?=_ lgisfzg kZrft\ -?=_
z]o/ lk|ldod vftf 13,037,437 /- 1,552,037,437/-
* sDkgLn] ;+:yfks z]o/wgLx?sf] nflu xsk|b z]o/ lgisfzg ubf{ xsk|b z]o/ laqmL geO{ afFsL /xg uPsf] xsk|b
z]o/ af]nsaf]n dfkm{t laqmL ubf{ ?=!#,)#&,$#&÷– lk|ldod /sd k|fKt ePsf] .
u=%= ;+:yfks÷;~rfns ;DaGwL hfgsf/L M
u=%=s_ ;+:yfks÷;~rfnssf] k[i7e"ld M
1) cfwf/e"t z]o/wgLx? Tfyf ;~rfnsx?sf] gfd, pd]/, /fli6«otf, 7]ufgf, z]o/ :jfldTj, z}lIfs of]Uotf, cg'ej /
k|:tfljt Jofkf/÷Joj;fo cg'ej M
cfwf/e"t z]o/wgLx?sf] ljj/0f M
pd]/ z]o/ z}lIfs k|:tfljt
qm=;+= gfd kb /fli6«otf 7]ufgf cg'ej
-jif{_ :jfldTj of]Uotf Jofkf/÷Joj;fo
Po/
8fOg]li6
nfu" nfu" l;gfd+un (,
!= x]nL ;+:yfks *)@,%)) nfu" gx'g] nfu" gx'g] nfu" gx'g]
gx'g] gx'g] sf7df08f}
;le{;];
k|f=ln=
k|aGwssf] ?kdf
cg'hf ;jf/L ;fwgsf]
:gfts cUgL OGskf]{/]6]8
@= nIdL ;+:yfks %@ g]kfnL sf=d=g=kf=!) #^),))) l8n/;Lk
k|f=ln= df sfo{/t
lwtfn Joj;fodf cfj4
x'g'x'G5 .
lkm:6]n Po/
ljsfz ljzfgu/ %, k|f=ln=df cWoIfsf] xjfO p8\8og
#= ;+:yfks %@ g]kfnL !,#%),))) :gfts
h=a=/f0ff sf=d=g=kf= ?kdf sfo{/t Joj;fodf cfj4
x'g'x'G5 .
k|aGw lgb]{zssf]
Sofljg]6 ?kdf cUgL ;jf/L ;fwgsf]
$= ;+:yfks %^ g]kfnL nlntk'/ % #^),))) :gfts OGskf]{/]6]8 l8n/;Lk
>]i7
k|f=ln=df sfo{/t Joj;fodf cfj4
x'g'x'G5 .
Uf'8ljn
nfu" nfu" l8NnLahf/,
%= kmfOgfG; ;+:yfks $%),))) nfu" gx'g] nfu" gx'g] nfu" gx'g]
gx'g] gx'g] sf7df08f}
ln=
lxdfnog nfu" nfu" sdnfbL,
^= OGk|mf:6«Sr/ ;+:yfks #)),))) nfu" gx'g] nfu" gx'g] nfu" gx'g]
gx'g] gx'g] sf7df08f}+ #!
km08 ln=
k|d'v sfo{sf/L
Hof]lt dfgejg %, clws[tsf] ?kdf
&= ;+:yfks %& g]kfnL ^)),))) :gftsf]Q/ g]kfn OGe]i6d]G6 a}+s/
k|sfz kf08] nlntk'/
a}+s ln=df sfo{/t
x'g'x'G5 .
12
sflGtk'/
Nffu" nfu" yfkfynL !!,
*= klJns]zg ;+:yfks !,(%),))) nfu" gx'g] nfu" gx'g] nfu" gx'g]
gx'g] gx'g] sf7df08f}+
ln=
k|f]k|fO6/sf] ?kdf
nIdL cf]e/l;h\
nlntf 6«]l8Ë Joj;fodf
(= ;+:yfks ^% g]kfnL sf7df08f}+ #@ ^)),))) :gfts 6«]l8Ë sG;g{,
cu|jfn cfj4
gS;fndf sfo{/t
x'g'x'G5
cf}Bf]lus If]qdf
ljut #%
aif{b]lvsf] cg'ej
/x]sf] 5 .
xfn nf]d;
kmdf{:o'l6sN;
k|f=ln= sf] k|aGw
lgb]{zs tyf
cWoIf x'g'x'G5 .
nf]d; Oge]i6d]G6
sDkgL k|f= ln=,
s;d; l;d]G6
pBf]u k|f=ln=,
cf}ifwL pTkfbg
k|bLk hË &! Affn'jf6f/ #, O:6g{ s;d;
!)= cWoIf g]kfnL !,#&%,))) :gftsf]Q/ ;DaGwL Joj;fo
kf08] sf7df08f}+ l;d]G6 pBf]u k|f=
ln= sf] ;:Yffks
x'gx' 'G5 .
l;l6hG; a}+s
OG6/g]Zgn ln= /
lzv/ OG:of]/]G;
ln= sf] ;+:yfks
tyf k"j{ cWoIf
/xg' ePsf] 5 .
To;}u/L g]kfn
pBf]u jfl0fHo
dxf;+3sf] k"j{
cWoIf ;d]t
x'g'x'G5 .
lk|ldo/ nfu" nfu" 6+sL l;gjf/L ^
!!= jfo;{ ;+:yfks $%),))) nfu" gx'g] nfu" gx'g] nfu" gx'g]
gx'g] gx'g] df]/Ë
k|f=ln=
cWoIfsf] ?kdf
k[YjL axfb'/ dxf/fhu+h $, g]kfn OGe]i6d]06
!@= ;+:yfks ^& g]kfnL #@@,%)) :gfts gePsf]
kfF8] sf7df08f}+ d]uf a}+s ln=df
sfo{/t x'g'x'G5 .
kl/ sfk]{6
/fh]Gb| sflndf6L !#, sf7df08f}sf] sfk]{6 ;DaGwL
!#= ;+:yfks %& g]kfnL %@%,))) :gfts
k|;fb >]i7 sf7df08f}+ ;~rfnssf] ?kdf Joj;fo
sfo{/t x'g'x'G5 .
k|aGw lgb]{zssf]
?kdf l/h]G;L
z'qmky @%,
!$= /fd cu|jfn ;+:yfks $! g]kfnL $(%,))) :gfts Oe]i6d]G6 OGe]i6d]G6 sDkgL
sf7df08f}+
sDkgLdf sfo{/t
x'g'x'G5
k|aGw lgb]{zssf]
;f}uft
l8NnLahf/ ##, ?kdf hf]g]S;
!%= kflv|g ;+:yfks #$ g]kfnL ##&,%)) :gfts OGe]i6d]G6 sDkgL
nfdf sf7df08f}+ OGe]i6d]G6 k|f=lndf
sfo{/t x'g'x'G5 .
k|aGw lgb]{zssf]
;lGbk
l8NnLahf/ ##, ?kdf uNkm 6«feN; 6«feN; P08 6';{
!^= kflv|g ;+:yfks #* g]kfnL sf7df08f}+ ##&,%)) :gfts P08 6';{ k|f=ln=df Joj;fodf cfj4
nfdf
sfo{/t x'g'x'G5 .
lzv/
nfu" nfu" yfkfynL !!,
!&= OG:of]/G; ;+:yfks gx'g] gx'g] sf7df08f}+ #@@,%)) nfu" gx'g] nfu" gx'g] nfu" gx'g]
sDkgL ln=
13
;~rfns -cUgL ;jf/L ;fwgsf]
;'hg a}B sf=lh=sf=d=g=kf=
!*= ;+:yfks %^ g]kfnL #^),))) :gfts Og skf]{/]6]8 l8n/;Lk
->]i7_ j8f g+= #
k|f=ln=_ Joj;fodf cfj4
;g/fO{h 8]enk;{
k|f=ln=, eujtL
sf/jfO8
OG8i6«Lh k|f=ln=,
cf]l/oG6n
sG:6«S;g P08
8]enkd]G6 s+=
;'ldt k|f=ln=, g]kfn xl:k6fln6L P08
alQ;k'tnL (,
!(= s'df/ ;~rfns %! g]kfnL !,(%),))) :gfts xl:k6fln6L P08 xf]6n ;DaGwL
sf7df08f}+
cu|jfn xf]6n k|f=ln= sf] Joj;fo
cWoIfsf] ?kdf
sfo{ ub}{ cfpg'
ePsf] 5 .
To;} u/L Unf]jn
cfOPdO a}+s
ln=sf] k"j{
;~rfns x'g'x'G5 .
ljzfngu/ %,
@)= ;'idf /f0ff ;+:yfks ^) g]kfnL !,#%),))) – gePsf] gePsf]
sf7df08f}+ .
lgb]{zssf] ?kdf
nf]d;
@!= pld{nf ;+:yfks ^* g]kfnL afn"jf6f/ $, ^)),))) – kmdf{:o'l6sN; cf}ifwL pTkfbg
kf08] sf7df08f}+
k|f=ln=df sfo{/t ;DaGwL Joj;fo
x'g'x'G5 .
olt jN8{ nfu" nfu" ltnu+uf *,
@@= OGe]i6d]G6 ;+:yfks !,#%),))) nfu" gx'g] nfu" gx'g] nfu' gx'g]
gx'g] gx'g] sf7df08f}+
k|f=ln=
;~rfnsx?sf] ljj/0f -gfd, 7]ufgf / u|x0f u/]sf] z]o/ :jfldTj_M

pd]/ z]o/ z}lIfs cg'ej k|:tfljt
l;=g+= gfd kb /fli6«otf 7]ufgf
-jif{_ :jfldTj of]Uotf Jofkf/÷Joj;fo
cf}Bf]lus If]qdf ljut
#% aif{b]lvsf] cg'ej
/x]sf] 5 .
nf]d; Oge]i6d]G6
sDkgL k|f= ln=, s;d;
l;d]G6 pBf]u k|f=ln=,
O:6g{ s;d; l;d]G6
!= k|bLkhË sf7df08f}+- !,#&%,))) pBf]u k|f= ln= sf]
kf08] cWoIf &! g]kfnL :gftsf]Q/ ;:Yffks x'g'x'G5 . cf}ifwL pTkfbg
#, afn'jf6f/ ;DaGwL Joj;fo
l;l6hg a}+s OG6/g]Zgn
ln= / lzv/ OG:of]/]G;
ln= sf] ;+:yfks tyf k"j{
cWoIf /xg' ePsf] 5 .
To;}u/L g]kfn pBf]u
jfl0fHo dxf;+3sf] k"j{
cWoIf ;d]t x'g'x'G5 .
;g/fO{h 8]enk;{ k|f=ln=,
eujtL sf/jfO8
OG8i6«Lh k|f=ln=,
cf]l/oG6n sG:6«S;g
sf7df08f}+ P08 8]enkd]G6 s+=
;'ldt k|f=ln=, g]kfn xl:k6fln6L xl:k6fln6L P08
@= s'df/ ;~rfns %! g]kfnL -(, !,(%),))) :gfts xf]6n ;DaGwL
P08 xf]6n k|f=ln= sf]
cu|jfn alQ;k'tnL Joj;fo
cWoIfsf] ?kdf sfo{ ub}{
cfpg' ePsf] 5 .
To;} u/L Unf]jn
cfOPdO a}+s ln=sf] k"j{
;~rfns x'g'x'G5 .
14
k|aGw ;~rfns ;ld6
Po/ k|f=ln= ;fy} gful/s
p8oog k|flws/0fsf]
dgf]h ;~rfns ;b:o /lx;Sg' ;ld6 Po/df k|aGw
#= ;~rfns $^ g]kfnL cf]vn9'Ëf - ^),))) :gfts ePsf] 5 . ;~rfnssf] ?kdf
sfsL{ ^, 7'nf5fk To;} u/L rf6{8{ sfo{/t x'g'x'G5 .
Psfp06]06 x'g'sf ;fy}
Ps bzs eGbf a9Lsf]
ljQLo k/fdz{sf] cg'ej
sf7df08f}+ k|d'v sfo{sf/L clws[t sflGtk'/ klAns]zg
dx]z sflGtk'/ klAns]zg ln=, ln=df k|d'v sfo{sf/L
$= ;~rfns $& g]kfnL - %, !%,))) :gfts
:jfF/ Joj:yfkg tyf ;~rf/ clws[tsf] ?kdf
w'Daf/fxL If]qdf !) jif{sf] cg'ej sfo{/t x'g'x'G5 .
Kff;fª Nxfd''
kmfpG8];gsf] cWoIf
bfjf km'6L sf7df08f}+ - klxnf] g]kfnL :yfoL
%= ;~rfns $! g]kfnL $, - :gftsQf]/ Representative of gePsf]
z]kf{
afn'jf6f/ United Nation World
Tourism sf ;fy}
;dfh;]jL x'g'x'G5 .
6af]{ df]6/sf] cWoIf
x'g'x'G5 . ;fy} a]g]nL, a]g]nL, BMW
BMW nufotsf ljleGg nufotsf ljleGg
clegj sf7df08f}+ - c6f]df]afON; sDkgLdf c6f]df]afON;
^= h=j= ;~rfns #^ g]kfnL %, - :gftsQf]/ ;~rfns x'g'x'G5 . sDkgLsf] l8n/;Lk
/f0ff lazfngu/ @)!& b]lv Joj;fodf cfj4
Entrepreneurs’ x'g'x'G5 .
Organisation (EO)
sf] klg ;b:o x'g'x'G5 .
;~rfns - lxdfnog
Soflk6n ln= / t]x|y'd
kfj/ sDkgL ln=
sf7df08f} - k"j{ sfo{sf/L lgb]{zs
&= >Ldfg :jtGq ^# g]kfnL :gftsQf]/ g]kfn aLdf k|flws/0f gePsf]
sfsL{ ;~rfns @(, -
-;fljs aLdf ;ldlt_
cgfdgu/
df @)%! ;fn b]lv
@)&% cfiff9 ;Dd
ljleGg lhDd]jf/Ldf /xL
sfo{ u/]sf] .
b|i6Jo M sDkgLsf] ;fwf/0f z]o/sf] ;fj{hlgs lgisfzgsf] qmddf /x]sfn] ;j{;fwf/0f z]o/wgLx?af6 k|ltlglwTj ug]{
;~rfns @ -b'O{_ hgfsf] ;§f ;+:yfks ;d"xaf6 ;~rfns lgo'Qm ul/Psf] 5 .
2) ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt ljj/0f / pQm
sDkgL÷;+:yfsf ;~rfnsx?sf] gfd -k|fs[lts JolQm gv'n];Dd_ M
;+:yfsf] gfd, z]o/ :jfldTj
qm=;+= ;+:yfsf] ;+lIfKt ljj/)f ;~rfnsx?sf] gfd tyf &]ufgf
&]ufg lsQf
cWoIf- kljq s"df/ sfsL{,
sDkgL P]g 2063 adf]lhd sDkgL
&]ufgf M /fd]5fk lhNnf , jfDtL uf=lj=;=j8f g++=&
/lhi^«f/sf] sfof{nodf btf{ ePsf]
;~rfns- clgn /fjn,
Po/ *fOg]li^ x]nL ;le{;]h k|f=ln= n]
Po/ *fOg]li^ x]nL &]ufgf M sf=lh=sf=d=g=kf= j*f g+= 9,
ldlt 2057÷04÷17 df >L pBf]u
;le{;]; k|f=ln= ;~rfns- Zofd ;"Gb/ s*]n,
ljefuaf^ pBf]u btf{ k|df)fkq k|fKt
1= l;gfd+un 9,
u/L x]lnsK^/af^ cfGtl/s rf^{/
7]ufgf M lrtjg lhNnf, lkKn] uf=lj=;= j8f g+=& 802,500
sf&df)*f} . ;~rfns- rGbf z]kf{
;]jf ;~rfng ub}{ cfPsf] % . ;fy}
&]ufgf M Eff]hk'/ lhNnf, 3/]bn]vfgL uf=lj=;=j8f
b]zsf ljleGg /d)fLo :yfg tyf
g+=@
ljs^ kxf*L If]qdf xjfO ;]\jf dfkm{t
;~rfns- dfnsf]d /f]o l:dy,
cfkm\gf] ;]jf k|bfg ub}{ cfPsf] % .
7]ufgf M Uff]/f]sf , kk'jfGo'lugL
jfl)fHo tyf cfk'lt{ Joj:yfkg
cGgk')f{
ljefudf ldlt 2072÷10÷22 df
OG^/k|fO{h]h ^«]*
cGgk')f{ OG^/k|fOh]h ^«]* sG;g{ k|f]=- cho s"df/ hnfg
2= sG;g{, sf&df)*f} 67,500
JolQmut kmd{ btf{ u/L ;d"Gb|kf/ &]ufgf M hn]Zj/ 5, dxf]Q/L .
32, l*NnLahf/ .
ljljw j:t"x?sf] cfot lgof{t ug]{
sfo{ ub}{ cfPsf] % .
15
ldlt 2059÷06÷11 df sDkgL P]g cWoIf- ljZj k|sfz ;fvM,
adf]lhd sDkgL /lhi^«f/sf] &]ufgf M xflQ;f/, sf&df)*f} .
sfof{nodf btf{ eO{ g]kfn /fi^« ;~rfns- ;"lw/ dfg df:s]
u"*ljn kmfOgfG; a}+saf^ æuÆ ju{sf] a}lsé ljQLo &]ufgf M afé]d"(f, sf&df)*f} .
ln=, Joj;fo ug]{ cg"dlt k|fKt u/L ;~rfns- lblnk s"df/ d"gsdL{
3= 450,000
l*NnLahf/, cfkm\gf] ;]jf Joj;fo k|bfg ub}{ &]ufgf M eQmk"/ 1, vl/kf^L
sf&df)*f} . cfPsf] % . ljQLo ;+:yf cGtu{t ;~rfns- h]gL hf]zL
:yflkt o; sDkgLsf] clws[t k'+hL &]ufgf M v"dn^f/, nlntk"/ .
Ps cj{ / r"Qmf k'+hL ? 80 s/f]* ;~rfns- kz"klt eQm >]i&
/x]sf] % . &]ufgf M sf&df)*f} 11, lqk"/]Zj/
o; sDkgL g]kfn ;/sf/, sDkgL
/lhi6«f/sf] sfof{nodf ldlt @)^%
r}t !$ ut] btf{ eO{ ;f]xL ldltb]lv
cfkm\gf] sf/f]af/ ;~rfng ub}{ cfPsf] cWoIf - x]d/fh (sfn
5 . g]kfnsf VoftL k|fKt o'jf &]ufgf M cdnfrf}/-4, afUn"é .
Joj;foL, pBdL, rf6{8{ PsfpG6]G6, ;~rfns- clDasf k|;fb kf}*n ]
cGo k|f]km];gn nufotsf k|a'4 &]ufgf M b/f}+-3, :oféhf .
xfyj] OGe]i^d]G^ JolQmx?sf] ;d'xåf/f ;+:yflkt / ;~rfns- pQd s"df/ g]kfn
4=
g]kfn ln= hdn ;~rflnt o; sDkgLn] g]kfnsf] k"FhL &]ufgf M sNn]/L-3, wflbé .
225,000
30, sf&df)*f} . ahf/ / nufgLsf cGo If]qx?df ;~rfns- ;"/h s"df/ >]i&
nufgL u/L cfkm"nfO{ Ps ;kmn &]ufgf M sf=d=g=kf= 13, sf&df)*f} .
sDkgLsf] ?kdf pEofpg ;kmn ;~rfns- clDasf zdf{ nfld%fg]
ePsf] 5 . o; sDkgLn] k'FhL ahf/sf] &]ufgf M sf=d=g=kf= 3, sf&df)*f} .
cltl/Qm hnljB't, l/on OG6]6, :jtGq ;~rfns- sdn k|;fb cof{n
cfly{s ko{6g / :jM k"FhLsf] If]qdf &]ufgf M Go'kf]v/f 2, :oféhf .
cfkm\gf] nufgLnfO{ lj:tf/ /
ljljlws/0f u/L d'n'ssf] cfly{s
ljsf;df of]ubfg k'of{pFb} cfPsf] 5 .
cWoIf- k[YjL axfb"/ kf+*]
sDkgL P]g 2063 adf]lhd sDkgL &]ufgf M sf=lh=sf=d=g=kf j*f g+= 4,
lxdfnog OGk|mf:^«r/ /lhi^«f/sf] sfof{nodf ldlt sf&df)*f}+
km)* ln=, 2065÷08÷29 df btf{ eO{ ;~rfns- dx]Zj/ k|sfz >]i&
5= sf=lh=sf=d=g=kf= Joj;flos If]qdf ;DklQ C)f nufgL &]ufgf M sf=lh=sf=d=g=kf j*f g+= 27, 300,000
j*f g+= 31 ug]{ tyf ;fd'lxs nufgL of]hgfdf sf&df)*f} .
sdnfbL, sf&df)*f} ;xefuL x"g /fo ;Nnfx jf k/fdz{ ;~rfns- lzjfGt axfb"/ kf+*]
k|bfg ug]{ sfo{ ub}{ cfO{ /x]sf]% . &]ufgf M sf=lh=sf=d=g=kf j*f g+= 4,
sf&df)*f}+ .
sDkgL P]g 2063 adf]lhd sDkgL
/lhi^«f/sf] sfof{nodf ldlt
lxdfnog ;f];n cWoIf- /fd k|;fb ;fksf]^f
2064÷10÷28 df btf{ eO{ ^«]lsé
hgL{ ^«]lsé k|f=ln, &]ufgf M lqk"/]Zj/ 6, wflbé .
6= ^«feN; ;DaGwL sfo{ ug]{ u/L cfkm\gf] 7,500
&d]n 29, ;~rfns- laGbf b]jL l/hfn
Joj;fo ;~rfng ub}{ cfO{/x]sf]
sf&df)*f} . &]ufgf M ;Tob]jL 7, wflbé .
% . sDkgLsf] clws[t k'+hL tyf
r"Qmf k'+hL ?= 50 nfv /x]sf] % .
cWoIf - l^ kfNhf]/ nfdf
&]ufgf M sf=d=g=kf= 21, Hof&f &d]n,
sf&df)*F} .
;b:o - bf]h]{ UofN%]g nfdf
sDkgL P]g cGtu{t sDkgL
/lhi^«f/sf] sfof{noaf^ btf{ k|df)fkq
sf&df)*F} .
k|fKt u/L ;DalGwt lgsfosf]
xf]^]n l^j]^ k|f=ln=, ;b:o - %]b]g (f]Ndf nfdf
:jLs[lt lnO{ xf]^n tyf df]^n
7= nflhDkf^ 2, &]ufgf M sf=d=g=kf= 21, Hof&f &d]n, 75,000
;~rfng u/L ljb]zL ko{^s tyf
sf&df)*f} . sf&df)*F} .
cGo cfuGt"sx?nfO{ uf+; jf;sf]
;b:o - t]ghLg ;f]kf nfdf
cfjZos k|aGw ldnfpg] sfo{ ub}{
cfO{/x]sf] % .
sf&df)*F} .
;b:o - l%l/é *f]Ns/ nfdf
sf&df)*F} .
s}nfz rf^{/ P)* sDkgL P]g cGtu{t sDkgL cWoIf- >L/fd s]=;L=
/]:So' ;le{;]h /lhi^«f/sf] sfof{nodf ldlt &]ufgf M rfu"gf/fo)f g=kf= j*f g+= 1,
8= 25,000
k|f=ln=, 2067÷08÷02 df btf{ eO{ #/]n" eQmk"/ .
sf=lh=sf=d=g=kf=1 tyf ;fgf pBf]u sfof{no sf&df)*f} ;~rfns- k|ljgf ^)*g
16
/ ko{^g pBf]u dxfzfvf,e[s"^Ld)*k, &]ufgf M sf=lh=sf=d=g=kf= j*f g+= 10,
sf&df)*f}af^ Ohfht k|fKt u/L sf&df)*f} .
ljleGg Po/j]h sDkgLx?;+u ;DaGw
:yflkt u/L :jb]zL tyf ljb]zL kmd{,
sDkgL, JolQmx?sf] dfu adf]lhd
xjfO{ p*fg rf^{/sf] k|aGw ldnfO{
Joj:yf ug]{ ;fy} cfsl:ds b"#{^gf,
k|fs[lts ljklQx?df xjfO{ dfu{af^
p$f/sf] Joj:yf ldnfpg] sfo{ ub}{
cfO{/x]sf] % .
2050÷03÷25 df btf{ eO{ cvjf/
cWoIf- >L s}nfz k|;fb l;/f]lxof
d"b|)f tyf k|sfzg, k":ts k|sfzg
&]ufgf M sf=lh=sf=d=kf= 4, dxf/fhu~h .
sflGtk"/ ug]{ sfo{ ub}{ cfO{/x]sf]df sflGtk"/
;~rfns- >L :jl:tsf l;/f]lxof
klAns]zg ln=, b}lgs klqsf, sf&df)*f} kf]i^ b}lgs,
9= &]ufgf M sf=lh=sf=d=kf= 4, dxf/fhu~h . 1,950,000
yfkfynL 11, ;fKtflxs g]kfn / ;fKtflxs
;~rfns- >L ;Dej l;/f]lxof
sf&df)*f} . klqsf, gf/L dfl;s klqsf tyf
&]ufgf M sf=lh=sf=d=kf= 4, dxf/fhu~h .
cgnfO{g dfWodaf^ hgdfg;df ;To
tYo / ljZn]if)fTds ljifox? /fVb}
b]zsf] k|ltli&t ;~rf/ pBf]usf]
?kdf :yflkt ePsf] % .
2063÷01÷26 df btf{ eO{ ljljw
j:t"x?sf] cfot lgof{t u/L :jb]zL,
Pd=lh=P= ljb]zL cf}Bf]lus ;+:yf tyf Psn ;~rfns- ljdnfb]jL *fNdLof
10= OG^/g]zgn k|f=ln=, sDkgLx?af^ lgld{t tyf pTkflbt &]ufgf M lhNnf k;f{, lj/u~h 112,500
sf&df)*f} 12 ;a} lsl;dsf pks/)fsf ;fdfgx? dxfgu/kflnsf j*f g+= 13 .
;f]n Ph]G;L jf l*li^«Ao'^/lzk jf
cGo lsl;dsf Ph]G;L, l*n;{ lgo"Qm
u/L laqmL ljt/)f ug]{ sfo{ ub}{
cfO/x]sf] % .
cWoIf- k|]d axfb"/ >]i&
sDkgL P]g cGtu{t sDkgL &]ufgf M nlntk"/ d=g=kf= 3, emD;Lv]n .
/lhi^«f/sf] sfof{nodf ldlt ;~rfns- w|"j s"df/ >]i&
2060÷01÷04 df btf{ eO{ &]ufgf M nlntk"/ d=g=kf= 3, emD;Lv]n .
lk=le=;L=af^ ag]sf ljleGg k|sf/sf ;~rfns- k|lbk s"df/ >]i&
k~rsGof Knf:^ kfO{k tyf cGo k|sf/sf ;fdfgx? &]ufgf M nlntk"/ d=g=kf=3, wf]jL#f^ .
k|f=ln=, s[i)fuNnL, pTkfbg u/L :yfgLo ahf/ tyf b]z ;~rfns- alb| s"df/ >]i&
11= 150,000
nlntk"/ . ljb]zdf lgof{t ug]{ sfo{ ub}{ &]ufgf M nlntk"/ d=g=kf=3, wf]jL#f^ .
cfO/x]sf] % . pTkflbt ;fdfgx? ;~rfns- pHjn s"df/ >]i&
b]z leq laqmL ljt/)f u/L ljb]zdf &]ufgf M nlntk"/ d=g=kf=18,e};]kf^L .
;d]t lgof{t u/L cfoftnfO{ ;~rfns- plbk >]i&
k|flt:yfkg ug{ ;xof]u u/]sf] &]ufgf M nlntk"/ d=g=kf=3, wf]jL#f^ .
% . ;~rfns- cflzs >]i&
&]ufgf M nlntk"/ d=g=kf=3, wf]jL#f^ .
/lhi^«f/sf] sfof{nodf ldlt cWoIf- lzj/tg zf/*f
2056÷11÷03 df btf{ eO #/]n" &]ufgf M nfxfg g=kf= 6, l;/fxf .
lk|ldo/ jfo;{ tyf ;fgf pBf]u sfof{no ;~rfns- >Llgjf; ;f/*f
k|f=ln=, ^+sLl;gjf/L sf&df)*f}df pBf]usf] ?kdf btf{ eO{ &]ufgf M nfxfg g=kf= 6, l;/fxf .
12= 450,000
3, df]/é . wft"sf s]j"n, tf/, tf/hGo j:t"x?sf] ;~rfns- /fw]Zofd ;f/*f
sf/f]af/ ug]{ sfo{ ub}{ cfO/x]sf] &]ufgf M nfxfg g=kf= 6, l;/fxf .
% . s]j"n tf/sf] If]qdf ljleGg ;~rfns- kjg s"df/ ;f/*f
;fdfu|Lx? pTkfbg ug]{ pBf]usf] &]ufgf M nfxfg g=kf= 6, l;/fxf .
?kdf :yflkt u/]sf] % .
sDkgL P]g adf]lhd ldlt
l/nfoG; k]G^;\ 2058÷06÷23 df sDkgL cWoIf - Pstf hfhf]lbof
OG*li^«h k|f=ln=, /lhi^«f/sf] sfof{nodf btf{ sfod eO{ &]ufgf M ;fg]kf 2, nlntk"/ .
13= 25,000
hf]/kf^L 5, #/]n" tyf ;fgf pBf]u sfof{no ;b:o- dxflj/ afx]lt
sf&df)*f} . sf&df)*f}df btf{ eO{ k]G^\; pTkfbg &]ufgf M afg]Zj/ 10, sf&df)*f} .
tyf /+u/f]ug sf/f]af/ ;~rfng ub}{
17
cfO/x]sf] % . /+u/f]ug tyf k]G^\;sf]
If]qdf sfd ub}{ pBf]usf] ?kdf
:yflkt eO{ cfkm\gf] klxrfg sfod
ug{ ;kmn /x]sf] % .
sDkgL P]g, 2063 adf]lhd ldlt
2073÷01÷27 df sDkgL /lhi^«f/sf]
sfof{nodf btf{ eO{ d"b|)f ;DaGwL
;df lk|G^;{ g]kfn ljljw sfo{ ug"{sf ;fy} ljljw
k|f=ln=, j:t"x?sf] cfoft ug]{ sfo{ ub}{ ;~rfns - lgs]z clwsf/L
14= 150,000
e}+;]kf^L 2, cfO/xsf] % . %fkfvfgfsf] ?kdf &]ufgf M n=k"=d=g=kf= j*f g+= 26 .
nlntk"/ . :yflkt o; sDkgLn] cTofw"lgs
?kdf %kfO{ ug{ sDKo'^/ k|ljlw tyf
k|lqmofnfO{ cjnDag u/L cfkm\gf] ;]jf
k|jfx ub}{ cfO{/x]sf] % .
cWoIf - /fh]Gb| k|;fb >]i&
&]ufgf M sf=d=g=kf= 13, sflndf^L
;~rfns - /d]z s"df/ n"O{^]n
sDkgL P]g adf]lhd :yfkgf ePsf] &]ufgf M n=k"=d=g=kf= j*f g+= 13, s";"GtL,
lzv/ OG:of]/]G; sDkgL lglh{jg :d[tLgu/
aLdf If]qdf cu|)fL ?kdf /xL cfkm\gf] ;~rfns - ;f}/e h=j= /f)ff
lzv/ OG:of]/]G;
%"ì} klxrfg agfpg ;kmn ePsf] &]ufgf M n=k"=d=g=kf= j*f g+= 9, ;"gfsf]&L
sDkgL ln=,
15= % . ljleGg If]qdf cfj$ ;~rfns - :sGb cdfTo 322,500
yfkfynL 11,
JolQmx?af^ k|j{$g ul/Psf] o; &]ufgf M sf=d=g=kf= 17, &lx^L
sf&df)*f} .
sDkgLsf] clws[t k'+hL ?= 4 cj{ ;~rfns - >"hgf >]i&
tyf r"Qmf k'+hL ?= 2=28 cj{ /x]sf] &]ufgf M sf=d=g=kf= 4, afn"jf^f/
% . ;~rfns - lbg]z ah| ah|frfo{,
&]ufgf M sf=d=g=kf= 30, txfrn
:jtGq ;~rfns - OGb| k|;fb sdf{rfo{
&]ufgf M sf=d=g=kf= 13,
sDkgL P]g adf]lhd :yflkt
l;l$u)f]z ^«fG;kf]^{ #/]n" tyf ;fgf
pBf]u sfof{no sf&df)*f}df btf{ eO{
l;l$ u)f]z cWoIf - ;"lgn >]i&
ko{^lso oftfoft ;]jf ;~rfng u/L
^«fG;kf]^{ k|f=ln=, &]ufgf M sf=d=g=kf= 16, sf&df)*f} .
16= cfkm\gf] ;]jf k|bfg ub}{ cfO{/x]sf] 37,500
;f]x|v"§] 16, ;~rfns - ;"lht >]i&
% . cfGtl/s tyf afx\o
sf&df)*f} . &]ufgf M sf=d=g=kf= 16, sf&df)*f} .
ko{^sx?nfO{ ljleGg /d)fLo
:yfgx?sf] e|d)f u/fpg oftfoft
;"ljwf k|bfg ub}{ cfO/x]sf] % .
sDkgL P]g adf]lhd ldlt

2050÷12÷05 df :yflkt sDkgLn]
ko{^g pBf]u dxfzfvfaf^ Ohfhtkq
lnO{ ^«]lsé ;DaGwL Joj;fo ub}{
cfO/x]sf] % . ko{^g Joj;fodf cWoIf - >L g/ axfb"/ nfdf
zgL ^«]S; P)*
cfwfl/t /xL kbofqf Joj;fodf &]ufgf M x"Dnf lhNnf a/ufp+ - 6 .
PS;lkl*;g k|f=ln=
17= :jb]z tyf ljb]zdf cfkm\gf] ;]jfnfO{ ;~rfns - >Ldlt n}s" nfdf 5,000
afn"jf^f/ 4,
lj:tf/ ub}{ cfO{/x]sf]] % . ljleGg &]ufgf M x"Dnf lhNnf a/ufp++ - 6 .
sf&df)*f} .
kbdfu{x?sf] klxrfg ub}{ /d)fLo
:yfgx?sf] ;"/lIft tj/df
kbofqLx?nfO{ ;xof]u ub}{ ko{^g
pBf]udf cfkm"nfO{ :yflkt ug{ ;kmn
/x]sf] % .
sDkgL P]g, 2063 adf]lhd :yflkt

^r s}nfz ^«feN; P)* ^";{n] ^«fen
^r s}nfz ^«feN; Ph]G;L ;DaGwL sfo{ u/L /fli^«o tyf
P)* ^";{ k|f=ln=, cGt/fli^«o If]qsf ljleGg d"n"s tyf
;~rfns cWoIf - a;" s"df/ clwsf/L,
18= &d]n 29, &fp+x?df :jb]zL tyf ljb]zL 7,500
&]ufgf M km"nvs{ 2, wflbé .
sf&df)*f} . ko{^sx?nfO{ :t/Lo, e/kbf]{ lskmfotL
Pj+ ;j{;"ne tj/df ^«fen ;DaGwL
;Dk')f{ sfo{x? u/L ;]jf k|bfg ub}{
cfO{/x]sf] % .
otL jN*{ sDkgL P]g, 2063 adf]lhd :yflkt cWoIf - nfSkf ;f]gfd z]kf{
19= 1,350,000
OGe]i^d]G^ k|f=ln=, otL jN*{ OGe]i^d]G^ sDkgLn] xjfO{
18
ltnu+uf 8, ;]jf nufot cGo ljleGg If]qx?df &]ufgf M sf=lh= sf=d=g=kf= j*f g+= 4,
sf&df)*f} . nufgL ug]{ ;fy} ko{^g k|j${gsf] afn"jf^f/ .
nflu ^«fen Ph]G^sf] sfd ug]{ /
kbofqLx?sf] ;"ljwf tyf /d)fLo ;~rfns - rGbf z]kf{
kxf*L tyf lxdfnL If]qx?df kbdfu{ &]ufgf M sf=lh= sf=d=g=kf= j*f g+= 4,
klxrfg u/L ^]«lsé ;DaGwL ;]jf afn"jf^f/ .
k|bfg ub}{ cfO{/xsf] % .
3) ;+ul7t ;+:yfsf ;~rfnsx? cGo s'g} sDkgL, ;+:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;~rfns / cfj4 ePsf] ;+:yfsf]
gfd, 7]ufgf M ;~rfnsx?sf] cGo sDkgL, ;+:yf, sf]if, ;+u7g;+u cfj4 ePsf] tyf ;+nUgtfsf] ljj/0f b]xfo adf]lhd
/x]sf] 5 M
qm=;+= ;~rfnssf] gfd, 7]ufgf cfj4 ePsf] ;+:yfsf] gfd, 7]ufgf
nf]d; kmdf{:o'l6sN; k|f=ln=
nf]d; OGe]i6d]G6 sDkgL k|f=ln=
!= k|bLkhË kf08]
s;d; l;d]G6 pBf]u k|f=ln=,
O:6g{ s;d; l;d]G6 pBf]u k|f=ln=
;g/fO{h 8]enk;{ k|f=ln=,
eujtL sf/jfO8 OG8i6«Lh k|f=ln=,
@= ;'ldt s'df/ cu|jfn
cf]l/oG6n sG:6«S;g P08 8]enkd]06 sDkgL k|f=ln=,
g]kfn xl:k6fln6L P08 xf]6n k|f=ln=
#= dgf]h sfsL{ ;ld6 Po/ k|f=ln=
$= dx]z :jfF/ sflGtk'/ klAns]zg ln=,
%= bfjf k'm6L z]kf{ Kff;fª Nxfd'' kmfpG8];g
6af]{ df]6/, a]g]nL, BMW nufotsf ljleGg c6f]df]afON; sDkgLsf]
^= clegj h=a= /f0ff l8n/;Lk Joj;fo .
lxdfnog Soflk6n ln=,
&= >Ldfg sfsL{
t]x|y'd kfj/ sDkgL ln=
gf]6 M ;+ul7t ;+:yfsf ;~rfnsx?n] sDkgL P]g, @)^# sf] bkmf *( / ;"lrs[t ;+ul7t ;+:yf ;DaGwL ;''zf;g ;DaGwL
lgb]{lzsf k"0f{ kfngf ul/Psf] .
4) ;+:yfks÷;~rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M
z]o/ vl/b jf x:tfGt/0f ug{ aGb]h ;DaGwL Joj:yf b]xfo adf]lhd x'g]5 M
-s_ sDkgLsf] k|yd ;fwf/0f ;ef geP ;Dd .
-v_ ;+:yfkssf] gfddf hf/L ePsf] z]o/sf] dfu /sd zt k|ltzt r'Qmf geP ;Dd .
-u_ k|rlnt sfg'g adf]lhd lwtf]kq af]8{, g]kfn aLdf k|flws/0f nufotsf lgodgsf/L lgsfoaf6 ;+:yfkssf] z]o/ vl/b
laqmL tyf lwtf]aGws ;DaGwdf hf/L lgb]{zgn] /f]s nufPsf] cjlw;Dd sDkgLsf ;+:yfksn] cfkm\gf] z]o/ laqmL jf
lwtf]aGws /fVg kfpg] 5}g / pQm cjlwkl5 To:tf] z]o/ laqmL jf lwtf]aGws /fVg' kbf{ lgodgsf/L lgsfoaf6
:jLs[lt lng'kg]{ ePdf ;f]sf] :jLs[lt lnO{ ;+:yfksx?sf aLrdf z]o/ vl/b laqmL ug{ ;lsg]5 . sDkgLsf ;+:yfks
z]o/wgLn] pQm z]o/ vl/b ug]{ OR5f gu/]df To:tf] z]o/ ;~rfns ;ldltsf] lg0f{o adf]lhd cGo JolQm, kmd{,
sDkgL jf ;+:yfnfO{ laqmL ug{ ;lsg]5 .
-3_ k|rlnt sfg'g adf]lhd lgodgsf/L lgsfosf] k"j{ :jLs[lt glnO{ ;+:yfks / ;j{;fwf/0f ;d"xsf] z]o/ :jfldTj
cg'kftdf kl/jt{g tyf ljb]zL sDkgLnfO{ z]o/ laqmL jf x:tfGt/0f ul/g] 5}g .
-ª_ ;j{;fwf/0fn] z]o/ vl/b ubf{ Go'gtd !) lsQf jf !) c+sn] efu ubf{ z]if g/xg] u/L clwstd !%,)),))) -kGw|
nfv_ lsQf ;Dd vl/b ug{ ;lsg]5 .
-r_ sDkgLsf ;~rfns, sfo{sf/L k|d'v, n]vfk/LIfs, ;lrj jf sDkgLsf] Joj:yfkg tyf n]vf ;DaGwL sfo{df k|ToIf
?kn] ;+nUg JolQmn] To:tf] kbdf axfn /xbfsf] avt jf To:tf] kbaf6 cjsfz k|fKt u/]sf] sDtLdf Ps jif{;Dd
sDkgL jf To;sf] ;xfos sDkgLsf] z]o/ cfˆgf] jf cfˆgf] kl/jf/sf] lgoGq0fdf /x]sf] kmd{, sDkgLsf] gfddf vl/b
laqmL ug'{, u/fpg' x'b}g .
-5_ s;}n] v08 -r_ sf] ljkl/t sfd u/]df To:tf] z]o/ sDkgLn] hkmt ug]{5 / To;/L hkmt ePsf] z]o/ ;~rfns
;ldltn] plrt 7x¥ofPsf] lsl;daf6 laqmL ljt/0f ug{ ;Sg]5 .
-h_ z]o/ vl/b jf x:tfGt/0f ug{ aGb]h ;DaGwL cGo Joj:yf k|rlnt sDkgL sfg'g / lwtf]kq sf/f]af/ ;DaGwL sfg'g
tyf cGo k|rlnt sfg'gdf pNn]v eP adf]lhd x'g]5 .
-em_ ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#Æ sf] lgod !) sf] pklgod -!_ df ePsf] Joj:yf cg'?k lwtf]kq
;fj{hlgs lgisfzg ug{ ;Sg] u/L :yflkt ;+ul7t ;+:yfsf ;j{;fwf/0f afx]s cGo ;d"x -;+:yfks / cGo ;d"x_ n]
19
lnPsf] z]o/ ;fj{hlgs lgisfzg u/]sf] z]o/ afF8kmfF8 ePsf] ldltn] tLg jif{sf] cjlw k'/f geO{ laqmL ug{ kfOg]
5}g .
u=%=v_ ;+:yfks÷;~rfns;Fusf] sf/f]af/ M
c_ ;+ul7t ;+:yfaf6 s'g} ;+:yfks÷;~rfnsn] k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/ cfly{s_ k|fKt
u/]sf jf k|fKt ug]{ ePdf To:tf] j:t' jf ;'ljwfsf] k|s[lt / d"No / To:tf] ;'ljwf lbP jfkt ;+ul7t ;+:yfn] s'g} ;DklQ,
;]jf k|fKt u/]sf] jf ug]{ ePdf tT;DaGwL ljj/0f M sDkgLsf ;~rfnsx?n] ;~rfns ;ldltsf] a}7s eQf afx]s cGo s'g}
klg ;+:yfks÷;~rfnsn] o; sDkgLaf6 k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/cfly{s_ k|fKt u/]sf
5}gg\ / ;f] ;DaGwdf sDkgLn] ;+:yfks tyf ;~rfnsaf6 s'g} ;DklQ jf ;]jf ;d]t k|fKt u/]sf] 5}g .
cf_ a'Fbf -c_ df pNn]lvt j:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M ;f] gePsf] .
u=^= l;ldt bfloTj ;DaGwL ljj/0f M o; sDkgLsf] sf/f]af/sf] ;DaGwdf z]o/wgLsf] bfloTj lghn] vl/b u/]sf] jf vl/b ug{
saf]n u/]sf] z]o/sf] c+lst d"No;Dd dfq l;ldt /xg]5 .
t/ s'g} z]o/wgL jf ;~rfnsn] ;f] x}l;otdf t]>f] kIf;+u u/]sf] JolQmut hdfgt ;DaGwL ;Demf}tf adf]lhdsf] bfloTjsf]
xsdf of] Joj:yf nfu" x'g] 5}g .
u=&= ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL hfgsf/L M
u=&=s_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f M
s_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn] sfd u/]sf] cg'ej tyf
;+ul7t ;+:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy} To:tf] sd{rf/Lx? cGo s'g} ;"rLs[t ;+ul7t ;+:yfsf]
cfwf/e"t z]o/wgL eP jf cGo s'g} ;+ul7t ;+:yfdf nufgL u/]sf] eP pQm ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] /sd
v'nfpg' kg]{M
o; ;+ul7t
;+:yfdf
qm=;++= gfd tyf kb of]Uotf lgo'lQm ldlt cg'ej
/x]sf] z]o/
;+Vof
!= l;l6hg nfOkm OG:of]/]G; sDkgL
lnld68df ldlt @)&$÷)(÷#) b]lv
sfo{/t .
kf]ifs /fh kf}8]n PdlaP, Fellowship @= ljQ k|d'vsf] ?kdf d]6nfOkm df kGw|
! -k|d'v sfo{sf/L in Life Insurance @)&$÷)(÷#) –
Management (FLIM)
jif{sf] sfo{ cg'ej /x]sf .
clws[t_
#= jl/i7 k|aGwssf] ?kdf n]vf k/LIf0f
tyf Joj:yfkg txdf /x]/ lj=;+=@)%@–
@)%* ;Ddsf] sfo{ cg'ej .
lnld6]8df ldlt @)&%÷)#÷!! b]lv
bz/y d0fL sfo{/t .
v8\sf :gfts, Fellowship
@ in Life Insurance @)&%÷)#÷!! @%,)))
-k|d'v ;~rfng @= d]6nfOkmdf la=;=@)%*–@)&) ;Dd
Management (FLIM)
clws[t _ ljleGg txdf /xL lhDd]jf/L ;DxfNb} k|d'v
sfo{sf/L clws[tsf] sfo{cg'ej ;d]t
xfl;n ug'{ ePsf] .
lnld6]8df @)&$÷)#÷!* b]lv sfo{/t .
@= aL=aL= Pc/j]h k|f= ln= (TBI Group)

df gfoj dxfk|aGws (Group Finance
lbk axfb'/
Controller) sf ?kdf la=;+= @)&@ b]lv
lj=;L=
# :gfts @)&$÷)#÷!* @)&$ ;Dd sfo{ u/]sf] cg'ej . –
-gfoj
dxfk|aGws_
#= k|fOd nfOkm OG;f]/]G; sDkgL ln= df
k|d'v ljQLo clws[tsf ?kdf la=;+=
@)^% b]lv @)&@ ;Dd sfo{ u/]sf] cg'ej
.
20
$= la=;= @)%( b]lv @)^% ;Dd
n]vfk/LIf0f tyf Joj:yfkg k/fdz{
;DaGwL sfo{df ;+nUg .
lnld6]8df ldlt @)&$÷)(÷)( b]lv
sfo{/t .
Ef'if0f l/dfn –
$ -;xfos :gftsQf]/ @)&$÷)(÷)( –
@= nfOkm OG;f]/]G; skf]{/]zg ln= df la=;=
dxfk|aGws_
@)%( b]lv @)^@ ;Dd zfvf k|aGws /
la=;= @)&) b]lv @)&$ ;Dd k|aGws
kbdf /xL sfo{ u/]sf] cg'ej .
pNn]lvt pRr Joj:yfksLo txsf sd{rf/Lx? cGo s'g} ;"rLs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL gePsf] tyf dfly pNn]v
ul/Psf] afx]s cGo s'g} ;+ul7t ;+:yfdf nufgL gu/]sf] .
v_ ;+ul7t ;++:yfsf sd{rf/Lx? cGo ;"rLs[t ;+ul7t ;+:yfsf] cfwf/e't z]o/wgLsf] ?kdf /x]sf] jf sd{rf/Lx?n] cGo s'g}
;+ul7t ;+:yfdf u/]sf] nufgL ;DaGwL ljj/0f M cGo ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL g/x]sf] .
u_ ljj/0fkq af]8{df k|:t't ug{' eGbf ! jif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] cj:yf afx]s ;+ul7t
;+:yfsf] pRr Joj:yfksLo txdf /x]sf s'g} sd{rf/L kl/jt{g ePdf ;f] ;DaGwL ljj/0f pNn]v ug'{kg]{ M ;f] gePsf] .
u_ sd{rf/L ;+Vof M
:yfoL, c:yfoL, s/f/, Hofnfbf/L / cGo -xfn ;Ddsf]_
qm=;+= s'n sd{rf/L ;+Vof :yfoL c:yfoL s/f/ Hofnfbf/L cGo
! #^@ @@$ $$ ($ – –
u=&=v_ ;~rfns Pj+ pRr Joj:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0f M
1) ;~rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf lghx?nfO{ k|bfg
ul/g] jf ul/Psf] b}lgs tyf e|d0f eQf / cGo ;'ljwf M ;~rfnsn] kfpg] dfl;s kfl/>lds, a}7s eQf, b}lgs tyf
e|d0f eQf / cGo ;'ljwf ;fwf/0f ;efn] tf]s] cg';f/ b]xfo adf]lhd /x]sf] 5 M
s= b}lgs sfo{ ;~rfngdf sfo{sf/L k|d'vsf] x}l;otn] k|ToIf ?kdf ;+nUg ;~rfnsn] dfl;s kfl/>lds jfkt tna
pknAw u/fOPsf] 5}g / cGo ;'ljwf jflif{s ;fwf/0f;efn] tf]s] adf]lhd kfpg]5 / :jb]z tyf ljb]zsf] e|d0f
vr{ l6s6 adf]lhdsf] jf:tljs vr{ ePsf] /sdsf] cfwf/df e'QmfgL lbg]5 .
v ;~rfns ;ldltsf] a}7sdf pkl:yt eP jfkt cWoIfn] ?=@),)))÷– / cGo ;~rfnsn] kfpg] k|lt a}7s eQf
?= !%,)))÷– x'g]5 .
u= sDkgLsf] sfdsf] l;nl;nfdf ;~rfnsnfO{ k|bfg ul/g] oftfoft vr{ lan adf]lhd, b}lgs tyf e|d0f eQf b]xfo
adf]lhd x'g]5 M
-c_ :jb]zdf b}lgs eQf M 5}g .
-cf_ ef/tdf b}lgs eQf M 5}g .
-O_ ef/t afx]ssf] cGo ljb]zL d'n'sdf b}lgs eQf -cd]l/sL 8n/_ M 5}g .
-O{_ oftfoft vr{ lan adf]lhd .
2) ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf tLg hgf clws[tx?sf] gfd / kb / Ps cfly{s jif{sf] cjlwleq
pgLx?nfO{ kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd M
qm=;+= sd{rf/Lsf] gfd kb kfl/>lds /sd -cf=j=@)&*÷)&(_
! kf]ifs /fh kf}8]n k|d'v sfo{sf/L clws[t ?= !@,&@),$@@÷–
@ bz/y d0fL v8\sf k|d'v ;+rfng clws[t ?= ^,#$(,$%&÷–
# lbk axfb'/ lj=;L= gfoj dxfk|aGws ?= $,#&%,$)#÷–
3) s'g} clws[t jf ;~rfnsnfO{ eljiosf] nflu s'g} /sd k|bfg ul/g] u/L s/f/ ul/Psf] eP ;f] ;DaGwL ljj/0f M
xfn;Dd To:tf] s'g} s/f/ gePsf] .
u=*= cGtlg{lxt hf]lvd tyf ;f] df Joj:yfkgsf] nflu Joj:yfkgsf] wf/0ff M cGtlg{lxt hf]lvd / ;f] sf] Joj:yfkgsf] nflu
Joj:yfkgsf] wf/0ff lgDgfg';f/ /x]sf] 5 M
s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvd M lgIf]k nufgL tyf shf{sf] Aofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx?
tyf g]kfnsf] ahf/df x'g] cfly{s dGbLaf6 kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? .
v_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd M nfu" gx'g] .
u_ pTkfbg jf ;]jfsf] ahf/sf] l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvd M
!= b]zsf] cfly{s cj:yfdf cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx? .
@= k'gaL{df sDkgLsf] sDkgL÷g]kfnsf] aLdf ahf/ k|ltsf] ljZn]if0faf6 pTkGg x'g ;Sg] hf]lvdx? .
21
#= aLdf k|lt:kwL{ ahf/af6 pTkGg x'g ;Sg] hf]lvdx? .
3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clej[l4 (Cost Overrun) sf] hf]lvd M nfu" gx'g] .
ª_ ljb]zL ljlgdosf] hf]lvd M b]zsf] j}b]lzs Jofkf/ gLltdf x'g ;Sg] kl/jt{g tyf ljb]zL d'b|fsf] ljlgdo b/df 36a9
eO{ pTkGg x'g ;Sg] ;Defljt hf]lvdx? .
r_ sfg"gL k|lqmofx? tyf Ohfht k|fKt ug'{kg]{ eP ;f] af6 kg{;Sg] cj/f]wx? M ;f] gePsf] .
5_ If]qLos/0f / ljZjJofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M
!= cGt/f{li6«o ahf/df x'g] cfly{s dGbLaf6 kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? .
@= cGt/f{li6«o aLdf ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx? .
h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjJofkL ?kdf x'g] gLltut kl/jt{gaf6 pTkGg x'g] hf]lvd M
!= g]kfn ;/sf/ tyf g]kfn aLdf k|flws/0faf6 gLlt lgoddf x'g] kl/jt{gaf6 >[hgf x'g ;Sg] hf]lvdx? .
@= b]zsf] df}lb|s gLlt nufot g]kfn aLdf k|flws/0faf6 hf/L ug]{ lgod lgb]{zgsf] ck|Toflzt kl/jt{gaf6 >[hgf
x'g] ;Defljt hf]lvdx? .
em_ ;+rfng Oltxf;sf] cefj M o; sDkgLn] cfˆgf] sf/f]af/ ldlt @)&$ sflt{s @ ut] b]lv ;~rfng u/]sf]n] sDkgLsf]
;~rfng Oltxf; 5f]6f] cjlwsf] /x]sf] 5 .
`_ k|ljlwsf] kl/jt{gaf6 x'g;Sg] hf]lvd M
!= goFf k|ljlwsf] ljsf; ;+u} sDkgLn] k|of]u ug]{ k|ljlwdf x'g] kl/jt{gn] kg{ ;Sg] ;~rfng tyf ;fvM ;DaGwL
hf]lvd .
@= k|ljlw ;DaGwL kl/jt{gaf6 sDkgLsf] ;~rfng tyf sf/f]af/ k|0ffnLdf ck|Toflzt hf]lvd /xg' :jefljs g} xf] .
sDkgLn] k|of]u ug]{ ;ˆ6j]o/df k|ljlwsf] kl/jt{gaf6 cfpg ;Sg] hf]lvd Joj:yfkgsf] nflu tYofÍx?sf] ;'/Iffy{
Data Backup df ljz]if ;ts{tf ckgfO{Psf] 5 / To;af6 hf]lvdnfO{ Go"gLs/0f ug{ sDkgL ;Ifd /x]sf] 5 .
6_ cGo M lgDg pNn]lvt hf]lvdx?sf] k|efjsf/L Joj:yfkg ug{ g;s]sf] cj:yfdf hf]lvd axg ug]{ Ifdtf Pj+
Joj;flos, cfly{s Pj+ ;+rfng glthfdf c;/ kg{ hfg]5 M
!= b]zsf] /fhg}lts cl:y/tfaf6 cfpg ;Sg] hf]lvdx? .
@ b]zsf] cfly{s cj:yfdf cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx? .
;Defljt cfly{s hf]lvdx?nfO{ Go"gLs/0f ug{ Joj:yfkgn] lgDg pkfox? cjnDag ub}{ hfg]5 M
 ljQLo ;fwgsf] ;d'lrt Joj:yfkgsf nflu ;DklQ÷bfloTj Joj:yfkg ljz]if Wofg lbO{ clws k|ltkmnhGo ljQLo
pks/0fx?sf] klxrfgsf nflu nufgL pk;ldltsf] e"ldsf lj:tfl/t ug]{ .
 lglZrt xb eGbf dflysf] aLdfÍ /sd :jb]zL tyf ljb]zL k'gaL{df sDkgLx?;Fu k'gaL{df u/L aLdf Joj;fodf cGtlg{lxt
hf]lvdsf] Joj:yfkg ug]{ .
 u|fxs klxrfg ;DaGwL Joj:yfnfO{ yk k|efjsf/L agfp+b} ;DklQ z'4Ls/0f tyf cftÍjfbL lqmofsnfkdf ljQLo nufgL
lgjf/0f ;DaGwL lgb]{zgsf] k"0f{ kl/kfngf u/L o; ;DaGwL hf]lvdsf] Joj:yfkg ug]{ .
 g]kfn aLdf k|flws/0fåf/f hf/L nufgL lgb]{lzsf, ;+:yfut ;'zf;g, ;DklQ z'4Ls/0f tyf cftÍjfbL s[ofsnfkdf ljQLo
nufgL lgjf/0f ;DaGwL lgb]{zgx?sf] k"0f{ kl/kfngf u/L cGtlg{lxt hf]lvd klxrfg u/L ;f]sf] Joj:yfkg ug]{ .
 sDkgLsf] ;"rgf k|ljlw tyf hf]lvd Joj:yfkg gLlt cg'?k sDkgLsf] ;"rgf k|ljlw k|0ffnLnfO{ r':t / cBfjlws agfO{
/fVg] .
 cfGtl/s lgoGq0f k|0ffnLnfO{ k|efjsf/L agfO{ k|efjsf/L n]vf k/LIf0fsf] dfWodaf6 ;+:yfut ;'zf;gsf dfGotfx? ;'lglZrt
ug]{ .
 plrt hf]lvd d"Nofª\sg u/L s'zn hf]lvd Joj:yfkg ug]{ .
 cg'ejL tyf bIf hgzlQmåf/f plrt bfaL Joj:yfkg ug]{ .
 g]kfn aLdf k|flws/0fåf/f hf/L nufgL lgb]{lzsf cg'?k nufgL ug]{ .
 cfGtl/s lgoGq0f k|0ffnL k|efjsf/L agfO{ n]vfk/LIfsn] cf}NofPsf s}lkmotx? ;'wf/ ub}{ n}hfg] .
 g]kfn aLdf k|flws/0fn] hf/L u/]sf] ;+:yfut ;'zf;g tyf cGo lgb]{lzsfx? Kffngf ub}{ cfO{ k/]sf r'gf}tLx?nfO{ Joj:yfkg
ub}{ cuf8L a9\g] .
hf]lvd Go"gLs/0fsf nflu sDkgLn] b]xfo cg';f/ k'gaL{df u/]sf] 5 M
k'gaL{dfsf] k|sf/ ljj/0f ;Demf}tf
k'gaL{df sDkgL ;Fusf] ;Demf}tf cg';f/ s'n aLdfÍsf]
-!_ g]kfn l/–OG:of]/]G; sDkgL ln= tyf
*)Ü hf]lvd :jo+ sDkgL cfkm}n] axg ug{] / afFsL
DofbL aLdf ;DaGwL lxdfno l/–OG:of]/]G; ln= ;+u ldlt @)&(
@)Ü sf] hf]lvd k'g{aLdf sDkgLn] axg ug{] Joj:yf
k'gaL{df >fj0f ! df ;Demf}tf eO{ k|To]s jif{ jflif{s
/x]sf] . h;df g]kfn l/–OG:of]/]G; sDkgL ln= !)
-j}b]lzs /f]huf/L_ ?kdf ;Demf}tf gjLs/0f x'g] Joj:yf /x]sf] .
k|ltzt / lxdfno l/–OG:of]/]G; ln= ;+u !) k|ltzt
k'gaL{dfsf] ;Demf}tf ul/Psf] .
n3' aLdf ;DaGwL k'gaL{df sDkgL ;Fusf] ;Demf}tf cg';f/ s'n aLdfÍsf] -!_ g]kfn l/–OG:of]/]G; sDkgL ln= ;Fu lj=;+=
k'gaL{df %)Ü hf]lvd :jo+ sDkgL cfkm}n] axg ug{] / afFsL @)&( >fj0f ! df ;Demf}tf ePsf] / k|To]s
22
-n3'÷shf{ Doflb $)Ü sf] hf]lvd g]kfn l/–OG:of]/]G; sDkgL ln= / jif{ jflif{s ?kdf ;Demf}tf gjLs/0f x'g]
aLdf_ !) k|ltzt hf]lvd lxdfno l/–OG:of]/]G; ln= ;+u Joj:yf /x]sf] .
k'gaL{dfsf] ;Demf}tf ul/Psf] . -@_ lxdfno l/–OG:of]/]G; ln= ;Fu lj=;+= @)&(
h]7 % df ;Demf}tf ePsf] / k|To]s jif{ jflif{s
?kdf ;Demf}tf gjLs/0f x'g] Joj:yf /x]sf] .
s'n aLdfÍ /sdsf] !) k|ltzt g]kfn l/–OG:of]/]G; -!_ g]kfn l/–OG:of]/]G; sDkgL ln= tyf
sDkgL / !) k|ltzt lxdfnog l/–OG:of]/]G; sDkgLn] lxdfno l/–OG:of]/]G; ln= ;Fu cf=j=
;fjlws hLjg aLdf
hf]lvd axg ug{] ;f] kZrft\ afFsL /x]sf] *) k|ltzt @)&*÷)&( b]lv ;Demf}tf ePsf] / k|To]s jif{
;DaGwL k'gaL{df
dWo]sf] ?=%)),))).– sf] hf]lvd sDkgL :jo+n] axg jflif{s ?kdf ;Demf}tf gjLs/0f x'g] Joj:yf
u/L afFsL aLdfÍ /sd k'gaL{df ug{] Joj:yf /x]sf]] . /x]sf] .
k'gaL{df sDkgL ;Fusf] ;Demf}tf cg';f/ dxfljkQL -!_ g]kfn l/–OG:of]/]G; sDkgL ln= ;Fu lj=;+=
af6 x'g] ?=!),))),))).— ;Ddsf] hf]lvd sDkgL @)&( >fj0f ! df ;Demf}tf ePsf] / k|To]s
dxfljkQL k'gaL{df :jo+n] axg ug{] / ;f] eGbf dfly ? $)),))),))).– jif{ jflif{s ?kdf ;Demf}tf gjLs/0f x'g]
;Ddsf] hf]lvd k'gaL{df sDkgLn] axg ug{] Joj:yf Joj:yf /x]sf] .
/x]sf] .
sDkgLsf] ;DklQ nufot cGo ;Defljt hf]lvdnfO{ Go"lgs/0fsf nflu sDkgLn] cfly{s jif{ @)&(÷*) df sDkgLsf] ;DkQL
aLdf cGtu{t ?=!!,*%,$^,&@*÷– /sd a/fa/sf] aLdf ub{} cfPsf] 5 . k|To]s cfly{s jif{sf] nflu g]kfndf ;+rflnt lglh{jg
aLdf sDkgL;+u aLdf ug{] ul/Psf] 5 .
lwtf]kq d"No kl/jt{g ;DaGwL hf]lvd M
;j{;fwf/0fx?sf] nflu ?=!))÷– k|lt z]o/sf] b/n] lgisfzgdf lk|ldod ?=!$$÷– yk u/L k|lt z]o/ ?=@$$÷– sfod ul/Psf]
d"Non] ;"rLs/0f kZrft\ g]kfn :6s PS;r]Gh lnld6]8df x'g] sf/f]af/ d"No ghgfpg] ePsf]n] z]o/ d"Nodf x'g;Sg] kl/jt{gsf]
hf]lvd /x]sf] 5 .
u=(= ljQLo ljj/0f M
u=(=s_ ljQLo ljj/0f / tT;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f M
1) ;+ul7t ;+:yfsf] n]vfk/LIf0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf gf]S;fg lx;fa, gub k|jfx ljj/0fM sDkgLsf]
cf=j=@)&*÷)&( sf] n]vfk/LIf0f ePsf] tyf ;fwf/0f;efaf6 kfl/t jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg
afF8kmfF8 lx;fa tyf gub k|jfxsf] ljj/0f lgDgfg';f/ 5 M
jf;nft -cfiff9 #@, @)&(_
ljj/0f /sd ?=xhf/df
;DklQ
cb[io ;DklQ 2,283
;DklQ, d]lzg / pks/0f 78,182
nufgL ;Dklt -
:yug s/ ;DklQ 651,932
;xfos sDkgLx?df nufgL -
;Da4 sDkgLdf nufgL -
nufgL 8,456,650
shf{ 390,513
k'gaL{df ;DklQ 264,623
rfn' s/ ;DklQ 243,253
aLdsaf6 k|fKt x'g afFsL -
cGo ;DklQ 20,151
cGo ljQLo ;DklQ 135,869
gub / gub ;dfg 302,170
s'n ;DklQ 10,545,628
bfloTj / z]o/wgLsf] sf]if
z]o/wgLsf] sf]if
z]o/ k"FhL 1,750,000
aFf8kmFf8 u/]kl5 afFsL /x]sf] cfj]bg /sd -
z]o/ lk|ldod -
dxf ljkQL hu]8f 125,751
;l~rt sf]if 477,196
cGo hu]8f 664,659
s'n z]o/wgLsf] sf]if 3,017,606
23
bfloTj
Joj:yfx? 17,658
aLdf s/f/ bfloTj 7,026,669
:yug s/ bfloTj -
aLdf cGt{ut e'QmfgL lbg'kg]{ 96,080
Rffn' s/ bfloTj -
shf{ tyf ;fk6L -
cGo ljQLo bfloTj 266,914
cGo bfloTj 120,702
s'n bfloTj 7,528,022
s'n bfloTj / z]o/wgLsf] sf]if 10,545,628
gfkmf–gf]S;fg lx;fa -cfiff9 #@, @)&(_

ljj/0f /sd ?=xhf/df
cfo
s'n lk|ldod 4,953,856
hf]lvd x:tfGt/0f lk|ldod (114,550)
v'b lk|ldod 4,839,306
sldzg cfDbfgL 29,046
nufgLaf6 cfDbfgL 733,847
ahf/ d'Nodf v'b k|fKt gfkmf÷-gf]S;fg_ -
v'b k|fKt gfkmf÷-gf]S;fg_ -
cGo cfDbfgL 4,140
s'n cfo 5,606,338
vr{
s'n bfaL /sd e'QmfgL 1,286,117
s"n bfaL e'QmfgLdf k"gaL{dssf] lx:;f (117,118)
aLdfsf] s/f/ bfloTjdf kl/jt{g 2,620,401
k"gaL{dfsf] lx:;fsf] s/f/ bfloTjdf kl/jt{g (12,815)
v'b nfe tyf bfaL e'QmfgL 3,776,585
sldzg vr{ 826,801
;]jf z'Ns 50,141
sd{rf/L ;]jf 235,703
x|f;s§L / kl/zf]wg vr{ 20,023
Odk]l/d]G6 vr{ 1,311
cGo vr{ 547,857
ljQLo nfut 34
s'n vr{ 5,458,455
s/ cl3sf] gfkmf 147,883
s/ vr{÷-cfDbfgL_ (228,192)
v'b gfkmf o; jif{sf] 376,071
cGo lj:t[t cfo -cfiff9 #@, @)&(_

ljj/0f /sd ?=xhf/df
v'b gfkmf÷-gf]S;fg_ o; jif{sf] 376,071
cGo lj:t[t cfDbfgL
-s_ gfkmf gf]S;fg lx;fadf jlu{s/0f x'g]
Fair Value df dfkg ubf{ l8j]~r/df ePsf] gfkmf÷-gf]S;fg_ -
gub k|jfx x]hdf nfe÷-gf]S;fg_ -
ljlgdo nfe÷-gf]S;fg_ -cGt/f{li6«o Operation sf] ljQLo ;DklQ -
O{lSjl6 ljlwaf6 n]vfÍg ul/Psf] ;Dj4 ;+:yfsf] lx:;f -
dfly pNn]lvt zLif{sx?sf] cfos/ -
gfkmf÷-gf]S;fg_ k'g juL{s[t -
-v_ gfkmf gf]S;fg lx;fadf jlu{s/0f gx'g]
24
Fair Value df dfkg ubf{ O{SjL6Ldf ePsf] gfkmf÷-gf]S;fg_ (23,302)
;DklQsf] k'gd"{NofÍgdf d"Nox«f; /sd -
k'gd{"NofÍgdf v'b nfe÷-gf]S;fg_ -
O{lSj6L ljlwaf6 n]vfÍg ul/Psf] ;Dj4 ;+:yfsf] lx:;f -
dfly pNn]lvt zLif{sx?sf] cfos/ 5826
c) Transfer to Insurance Fund -
s'n lj:t[t cfDbfgL (17,477)
hDdf lj:t[t cfDbfgL 358,595
gub k|jfx ljj/0f -cfiff9 #@, @)&(_

ljj/0f /sd ?=xhf/df
sf/f]af/ ;~rfngaf6 gub k|jfx
gub k|fKt
s'n k|fKt lk|ldod 5,314,826
k|fKt sldzg 29,046
k"gaL{dsaf6 bfaL c;'nL 117,118
cGo cfo -
gub e'QmfgL -
s'n bfaL /sd e'QmfgL (1,286,117)
hf]lvd x:tfGt/0f lk|ldod e'QmfgL (286,761)
sldzg e'QmfgL (773,957)
;]jf z"Ns e'QmfgL (35,346)
sd{rf/L vr{ e'QmfgL (227,862)
cGo vr{ e'QmfgL (547,315)
cGo -
cfos/ e'QmfgL -
sf/f]af/ ;~rfngaf6 v'b gub k|jfx -s_ 2,303,630
nufgL ultljlwaf6 gub k|jfx
cb[io ;DklQ v/Lb (11)
cb[io ;DklQ laqmL -
;DklQ, d]lzg / pks/0f vl/b (38,356)
;DklQ, d]lzg / pks/0f laqmL 1,135
OSjL6L vl/b -
OSjL6L laqmL 76,489
;fd"lxs nufgL sf]if v/Lb -
;fd"lxs nufgL sf]if laqmL -
C0fkq vl/b (1,245,481)
C0fkq laqmL -
d'2tL lgIf]kdf nufgL (4,225,000)
cjlw ;dfKt d'2tL lgIf]kaf6 k|fKt /sd 2,283,000
shf{ /sd 117,757
shf{af6 k|fKt /sd (202,793)
Aofh cfDbfgL 673,997
nfef+z jfkt k|fKt /sd 3,079
cGo 23
nufgL ultljlwaf6 v'b gub k|jfx -v_ (2,556,160)
ljQLo >f]t sf/f]af/af6 gub k|jfx
Aofh vr{ e'QmfgL -
shf{ tyf ;fk6Laf6 k|fKt /sd -
shf{ tyf ;fk6Laf6 gub k|jfx -
OSjL6L laqmLaf6 k|fKt /sd -
ljQLo >f]t sf/f]af/af6 v'b gub k|jfx -u_ -
;Dk"0f{ ultljlwaf6 v'b gub k|jfx -s v u_ (252,530)
gub / gub ;dfg z'?sf] df}Hbft 554,699
25
gub / gub ;dfg df}Hbftsf] ljlgdo b/df kl/j{tg -
gub / gub ;dfg clGtd df}Hbft 302,170
O{SjL6Ldf kl/jt{g lx;fa

af8FkmfF8 ug{
cu|flwsf/ z]o/ dxfljkQL lgofdlso k]mo/ Eofn'
ljj/0f r'Stf k"FhL afsL /x]sf] ;l~rt cfo cGo sf]if s'n
z]o/ lk|ldod hu]8f l/he{ l/he{
cfj]bg /sd
;fpg !, @)&* ;Ddsf] 1,750,000,000 - - - 90,141,421 394,212,541 7,519,366 (583,299) 417,720,635 2,659,010,665
/sd
;dfof]hg - - - - - - - - - -
;fpg !, @)&* ;Ddsf] 1,750,000,000 - - - 90,141,421 394,212,541 7,519,366 (583,299) 417,720,635 2,659,010,665
/sd ;dfof]hg /sd
cfly{s jif{sf] gfkmf - - - - - 376,071,909 - - - 376,071,909
s/ kl5sf] lj:t[t
cfDbfgL
k]mo/ Eofn'df dfkg ubf{ - - - - - - - - - -
l8j]~r/
gub k|jfx x]hdf nfe÷- - - - - - - - - - -
gf]S;fg_
ljlgdo nfe -gf]S;fg_ -
cGt/f{li6«o Operation - - - - - - - - - -
sf] ljQLo ;DklQ
?kfGt/0f ubf{
k]mo/ Eofn'df dfkg ubf{ - - - - - - - (17,476,832) - (17,476,832)
O{lSj6L
k'g d"NofÍgdf v'b - - - - - - - - - -
nfe÷-gf]S;fg_
aLdfÍLo nfe÷-gf]S;fg_ - - - - - - - - - -
sf]ifx?df :yfgfGt/0f - - - - - - - - - -
:yug s/ sf]ifdf - - - - - (228,191,504) - - 228,191,504 -

:yfgfGt/0f
lgofdlso l/he{df - - - - - (25,726,244) 25,726,244 - - -
:yfgfGt/0f
dxfljkQL sf]ifdf - - - - 35,609,567 (35,609,567) - - - -
:yfgfGt/0f
;DklQsf] k'gd{"NofÍgdf
d"Nox|f; /sdsf] - - - - - - - - - -
:yfgfGt/0f
;DklQ l8:kf]hn - - - - - - - - - -
:yfgfGt/0f
k]mo/ Eofn'df dfkg
ul/Psf] O{SjL6Lsf] - - - - - - - - - -
l8:kf]hn :yfgfGt/0f
lgofdlso l/he{ - - - - - (3,560,957) - - 3,560,957 -
aLdf s/f/ bfloTjdf - - - - - - - - - -

:yfgfGt/0f
z]o/ hf/L nfut - - - - - - - - - -
:jfldTjstf{sf] sf/f]af/,
O{SjL6Ldf k|ToIf n]vfÍg
x'g]
af]g; z]o/ hf/L - - - - - - - - - -
z]o/ hf/L - - - - - - - - - -
gub nfef+z - - - - - - - - - -
nfef+z ljt/0f s/ - - - - - - - - - -
cGo - - - - - - - - - -
c;f/ d;fGt;Ddsf] 1,750,000,000 - - - 125,750,988 477,196,178 33,245,610 (18,060,131) 649,473,096 3,017,605,741

df}Hbft
gf]6 M g]kfn rf6{8{ PsfpG6]G6\; ;+:yfåf/f hf/L ul/Psf] g]kfn ljQLo k|ltj]bg dfg aLdf sDkgLx?nfO{ klg clgjfo{ ?kdf nfu" eO{;s]sf] xF'bf dfly k|:t't ul/Psf] ljQLo ljj/0f
g]kfn ljQLo k|ltj]bg dfg (NFRS) cg'?k tof/ kf/L n]vf k/LIf0f eP adf]lhd k|:t't ul/Psf] 5 .
2) ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ Joltt e}g;s]sf] cj:yfdf ;~rfng
cjlw e/sf] n]vfk/LIf0f ePsf] gfkmf gf]S;fg, jf;nft ;lxtsf] ;+lIfKt ljlQo ljj/0f -;xfos sDkgL eP ;dli6s[t
?kdf_ M o; sDkgLn] cfˆgf] sf/f]af/ ldlt @)&$ sflt{s @ ut] b]lv k|f/De u/]sf] xf] . ljut jif{x?sf] n]vfk/LIfsaf6
k|dfl0ft jf;nft / gfkmf gf]S;fg lx;fasf] ljj/0f b]xfo adf]lhd /x]sf 5g\ M
jf;nft
/sd ?=xhf/df
ljj/0f cf=j cf=j cf=j
@)&^÷)&& @)&&÷)&* @)&*÷)&(
;DklQ
cb[io ;DklQ 3,187 2,730 2,283
26
;DklQ, d]lzg / pks/0f 69,098 60,530 78,182
nufgL ;Dklt - - -
:yug s/ ;DklQ 221,182 417,915 651,932
;xfos sDkgLx?df nufgL - - -
;Da4 sDkgLdf nufgL - - -
nufgL 3,750,530 5,272,573 8,456,650
shf{ 143,014 306,664 390,513
k'gaL{df ;DklQ 74,867 65,642 264,623
rfn' s/ ;DklQ 110,028 182,557 243,253
aLdsaf6 k|fKt x'g afFsL - - -
cGo ;DklQ 12,656 165,142 20,151
cGo ljQLo ;DklQ 58,190 80,020 135,869
gub / gub ;dfg 301,535 554,699 302,170
s'n ;DklQ 4,744,285 7,108,471 10,545,628
z]o/wgLsf] sf]if
z]o/ k"FhL 1,750,000 1,750,000 1,750,000
aFf8kmFf8 u/]kl5 afFsL /x]sf] cfj]bg /sd - - -
z]o/ lk|ldod - - -
dxf ljkQL hu]8f 59,596 90,141 125,751
;l~rt sf]if 317,205 394,213 477,196
cGo hu]8f 228,206 424,657 664,659
s'n z]o/wgLsf] sf]if 2,355,007 2,659,011 3,017,606
bfloTj
Joj:yfx? 21,210 27,123 17,658
aLdf s/f/ bfloTj 2,057,461 4,045,298 7,026,669
:yug s/ bfloTj - - -
aLdf cGt{ut e'QmfgL lbg'kg]{ 37,904 67,206 96,080
Rffn' s/ bfloTj - - -
shf{ tyf ;fk6L 1,457 - -
cGo ljQLo bfloTj 222,705 209,255 266,914
cGo bfloTj 48,540 100,579 120,702
s'n bfloTj 2,389,278 4,449,461 7,528,022
s'n bfloTj / z]o/wgLsf] sf]if 4,744,285 7,108,471 10,545,628
Gffkmf gf]S;fg lx;fa

/sd ?=xhf/df
@)&^÷)&& @)&&÷)&* @)&*÷)&(
cfo
s'n lk|ldod 1,857,971 3,556,709 4,953,856
hf]lvd x:tfGt/0f lk|ldod (11,749) (139,594) (114,550)
v'b lk|ldod 1,846,222 3,417,114 4,839,306
sldzg cfDbfgL 1,625 19,431 29,046
nufgLaf6 cfDbfgL 339,740 521,791 733,847
ahf/ d'Nodf v'b k|fKt gfkmf÷-gf]S;fg_ - - -
v'b k|fKt gfkmf÷-gf]S;fg_ - - -
cGo cfDbfgL 412 1,533 4,140
s'n cfo 2,187,999 3,959,869 5,606,338
vr{
s'n bfaL /sd e'QmfgL 149,579 583,805 1,286,117
s'n bfaL e'QmfgLdf k"gaL{dssf] lx:;f (28,317) (59,124) (117,118)
aLdfsf] s/f/ bfloTjdf kl/jt{g 1,061,963 2,017,302 2,620,401
k"gaL{dfsf] lx:;fsf] s/f/ bfloTjdf kl/jt{g (25,763) (22,594) (12,815)
v'b nfe tyf bfaL e'QmfgL 1,157,461 2,519,390 3,776,585
sldzg vr{ 365,053 628,906 826,801
27
;]jf z'Ns 18,996 34,196 50,141
sd{rf/L ;]jf 179,597 194,436 235,703
x«f;s§L / kl/zf]wg vr{ 15,326 16,477 20,023
Odk]l/d]G6 vr{ 1,522 290 1,311
cGo vr{ 321,215 462,401 547,857
ljQLo nfut 537 1,167 34
s'n vr{ 2,059,707 3,857,262 5,458,455
s/ cl3sf] gfkmf 128,291 102,607 147,883
s/ vr{÷-cfDbfgL_ (140,753) (197,899) (228,192)
v'b gfkmf o; jif{sf] 269,044 300,506 376,071
cGo lj:t[t cfo

/sd ?=xhf/df
@)&^÷)&& @)&&÷)&* @)&*÷)&(
v'b gfkmf÷-gf]S;fg_ o; jif{sf] 269,044 300,506 376,071
cGo lj:t[t cfDbfgL
Fair Value df dfkg ubf{ l8a]Gr/df ePsf] gfkmf÷-gf]S;fg_ - - -
gub k|jfx x]hdf nfe÷-gf]S;fg_ - - -
ljlgdo nfe÷-gf]S;fg_ -cGt/f{li6«o Operation sf] ljQLo ;DklQ - - -
O{lSjl6 ljlwaf6 n]vfÍg ul/Psf] ;Dj4 ;+:yfsf] lx:;f - - -
dfly pNn]lvt zLif{sx?sf] cfos/ - - -
gfkmf÷-gf]S;fg_ k'g juL{s[t - - -
Fair Value df dfkg ubf{ O{lSj6Ldf ePsf] gfkmf÷-gf]S;fg_ (5,468) 4,663 (23,302)
;DklQsf] k'gd"{NofÍgdf d"Nox|f; /sd - - -
k'gd{"NofÍgdf v'b nfe÷-gf]S;fg_ - - -
O{lSj6L ljlwaf6 n]vfÍg ul/Psf] ;Dj4 ;+:yfsf] lx:;f - - -
dfly pNn]lvt zLif{sx?sf] cfos/ 1,367 (1,166) 58266
c) Transfer to Insurance Fund 18 - -
s'n lj:t[t cfDbfgL (4,083) 3,497 (17,477)
hDdf lj:t[t cfDbfgL 264,962 304,004 358,595
gub k|jfx ljj/0f

/sd ?=xhf/df
ljj/0f cf=j cf=j
cf=j @)&*÷)&(
@)&^÷)&& @)&&÷)&*
gub k|fKt
s'n k|fKt lk|ldod 1,960,464 3,527,244 5,314,826
k|fKt sldzg 1,625 19,431 29,046
k"gaL{dsaf6 bfaL c;'nL 28,317 59,124 117,118
cGo cfo - - -
gub e'QmfgL - - -
s'n bfaL /sd e'QmfgL (149,579) (583,805) (1,286,117)
hf]lvd x:tfGt/0f lk|ldod e'QmfgL (47,713) (74,263) (286,761)
sldzg e'QmfgL (299,677) (613,323) (773,957)
;]jf z"Ns e'QmfgL (11,650) (19,605) (35,346)
sd{rf/L vr{ e'QmfgL (178,341) (181,737) (227,862)
cGo vr{ e'QmfgL (275,793) (694,506) (547,315)
cGo - - -
cfos/ e'QmfgL - (328) -
sf/f]af/ ;~rfngaf6 v'b gub k|jfx -s_ 1,027,654 1,438,232 2,303,630
cb[io ;DklQ v/Lb - - (11)
cb[io ;DklQ laqmL - - -
28
;DklQ, d]lzg / pks/0f vl/b (13,045) (11,946) (38,356)
;DklQ, d]lzg / pks/0f laqmL - 4,495 1,135
OlSj6L v/Lb (71,406) - -
OlSj6L laqmL - 96,009 76,489
;fd'lxs nufgL sf]if v/Lb - - -
;fd'lxs nufgL sf]if laqmL - - -
C0fkq vl/b (872,485) (710,052) (1,245,481)
C0fkq laqmL - - -
d'2tL lgIf]kdf nufgL (1,368,000) (1,703,000) (4,225,000)
cjlw ;dfKt d'2tL lgIf]kaf6 k|fKt /sd 1,200,000 858,500 2,283,000
shf{ /sd 42,854 194,770 117,757
shf{af6 k|fKt /sd (139,351) (365,691) (202,793)
Jofh cfDbfgL 302,311 454,250 673,997
nfef+z afkt k|fKt /sd 3,108 211 3,079
cGo 1 10 23
nufgL ultljlwaf6 v'b gub k|jfx -v_ (916,012) (1,182,444) (2,556,160)
Jofh vr{ e'QmfgL (537) (1,167) -
shf{ tyf ;fk6Laf6 k|fKt /sd 1,457 - -
shf{ tyf ;fk6Laf6 gub k|jfx - (1,457) -
OlSj6L laqmLaf6 k|fKt /sd - - -
ljQLo >f]t sf/f]af/af6 v'b gub k|jfx -u_ 920 (2,624) -
;Dk"0f{ ultljlwaf6 v'b gub k|jfx -s v u_ 112,562 253,164 (252,530)
gub / gub ;dfg z'?sf] df}Hbft 188,973 301,535 554,699
gub / gub ;dfg df}Hbftsf] ljlgdo b/df kl/j{tg - -
gub / gub ;dfg clGtd df}Hbft 301,535 554,699 302,169
gf]6 M g]kfn rf6{8{ PsfpG6]G6\; ;+:yfåf/f hf/L ul/Psf] g]kfn ljQLo k|ltj]bg dfg aLdf sDkgLx?nfO{ klg clgjfo{ ?kdf nfu" eO{ ;s]sf] x'Fbf dfly k|:t't
ul/Psf] ljQLo ljj/0f g]kfn ljQLo k|ltj]bg dfg (NFRS) cg'?k tof/ kf/L n]vf k/LIf0f eP adf]lhd k|:t't ul/Psf] 5 .
3) cfly{s jif{ ;dfKt ePsf] ^ dlxgf kZrft\ ljj/0fkq :jLs[ltsf] nflu k]z u/]df pQm cGtl/d cjlwsf] nflu
n]vfk/LIfsaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0f M cfly{s jif{ ;dfKt ePsf] ^ dlxgf kZrft\ ljj/0fkq
:jLs[ltsf] nflu k]z u/]sf]n] pQm cGtl/d cjlwsf] nflu n]vfk/LIfsaf6 k|dfl0ft u/]sf] ckl/is[t jf;nft tyf
gfkmf gf]S;fg lx;fasf] ljj/0f b]xfo adf]lhd /x]sf] 5 M
jf;nft -r}q d;fGt @)&(_
ljj/0f /sd -?= xhf/df_
;DklQ
cb[io ;DklQ 2,344
;DklQ, d]lzg / pks/0f 117,452
nufgL ;Dklt -
:yug s/ ;DklQ 653,406
;xfos sDkgLx?df nufgL -
;Da4 sDkgLdf nufgL -
nufgL 11,293,515
shf{ 558,052
k'gaL{df ;DklQ 258,008
rfn' s/ ;DklQ 292,428
aLdsaf6 k|fKt x'g afFsL 61,886
cGo ;DklQ 15,267
cGo ljQLo ;DklQ 347,073
gub / gub ;dfg 72,312
s'n ;DklQ 13,671,742

z]o/wgLsf] sf]if
z]o/ k"FhL 2,625,000
aFf8kmFf8 u/]kl5 afFsL /x]sf] cfj]bg /sd -
29
z]o/ lk|ldod 13,037
dxf ljkQL hu]8f 143,801
;l~rt sf]if 641,110
cGo hu]8f 639,100
s'n z]o/wgLsf] sf]if 4,062,048
bfloTj
Joj:yfx? 17,657
aLdf s/f/ bfloTj 9,236,139
:yug s/ bfloTj -
aLdf cGt{ut e'QmfgL lbg'kg]{ 10,350
Rffn' s/ bfloTj -
shf{ tyf ;fk6L -
cGo ljQLo bfloTj 219,032
cGo bfloTj 126,515
s'n bfloTj 9,609,694
s'n bfloTj / z]o/wgLsf] sf]if 13,671,742
gfkmf–gf]S;fg lx;fa -r}q d;fGt @)&(_

ljj/0f /sd ?= xhf/df
cfo
s'n lk|ldod 4,018,348
hf]lvd x:tfGt/0f lk|ldod (290,059)
v'b lk|ldod 3,728,289
sldzg cfDbfgL -
nufgLaf6 cfDbfgL 817,246
ahf/ d'Nodf v'b k|fKt gfkmf÷-gf]S;fg_ -
v'b k|fKt gfkmf÷-gf]S;fg_ -
cGo cfDbfgL 13,902
s'n cfo 4,559,437
vr{
s'n bfaL /sd e'QmfgL 1,333,168
s"n bfaL e'QmfgLdf k"gaL{dssf] lx:;f (194,744)
aLdfsf] s/f/ bfloTjdf kl/jt{g 2,275,465
k"gaL{dfsf] lx:;fsf] s/f/ bfloTjdf kl/jt{g (28,833)
v'b nfe tyf bfaL e'QmfgL 3,385,056
sldzg vr{ 495,956
;]jf z'Ns 31,770
sd{rf/L ;]jf 180,212
x«f;s§L / kl/zf]wg vr{ 22,689
ODk]l/d]G6 vr{ -
cGo vr{ 263,256
ljQLo nfut -
s'n vr{ 4,378,938
Net Profit/(Loss) For The Year Before Share of Net Profits of Associates Accounted
180,498
for Using Equity Method and Tax
Share of Net Profit of Associates accounted using Equity Method -
s/ cl3sf] gfkmf 180,498
s/ vr{÷+-cfDbfgL_ -
v'b gfkmf o; jif{sf] 180,498
30
cGo lj:t[t cfo
v'b gfkmf÷-gf]S;fg_ o; jif{sf] 180,498
cGo lj:t[t cfDbfgL
Fair Value df dfkg ubf{ l8a]Gr/df ePsf] gfkmf÷-gf]S;fg_ -
gub k|jfx x]hdf nfe÷-gf]S;fg_ -
ljlgdo nfe÷-gf]S;fg_ -cGt/fli6«o Operation sf] ljQLo ;DklQ -
O{SjLl6 ljlwaf6 n]vfÍg ul/Psf] ;Dj4 ;+:yfsf] lx:;f -
dfly pNn]lvt zLif{sx?sf] cfos/ -
gfkmf÷-gf]S;fg_ k'g juL{s[t -
Fair Value df dfkg ubf{ O{SjL6Ldf ePsf] gfkmf÷-gf]S;fg_ 19,672
;DklQsf] k'gd"{NofÍgdf d"Nox|f; /sd -
k'gd{"NofÍgdf v'b nfe÷-gf]S;fg_ -
O{SjL6L ljlwaf6 n]vfÍg ul/Psf] ;Dj4 ;+:yfsf] lx:;f -
dfly pNn]lvt zLif{sx?sf] cfos/ (4,918)
c) Transfer to Insurance Fund -
s'n lj:t[t cfDbfgL 14,754
hDdf lj:t[t cfDbfgL 195,252
gub k|jfx ljj/0f -r}q d;fGt @)&(_

gub k|fKt
s'n k|fKt lk|ldod 4,018,348
k|fKt sldzg -
k"gaL{dsaf6 bfaL c;'nL 194,744
cGo cfo 13,902
gub e'QmfgL -
s'n bfaL /sd e'QmfgL (1,333,168)
hf]lvd x:tfGt/0f lk|ldod e'QmfgL (352,016)
sldzg e'QmfgL (572,430)
;]jf z"Ns e'QmfgL (53,075)
sd{rf/L vr{ e'QmfgL (173,197)
cGo vr{ e'QmfgL (565,725)
cGo (6,214)
cfos/ e'QmfgL (2,598)
sf/f]af/ ;~rfngaf6 v'b gub k|jfx -s_ 1,168,570
nufgL ultljlwaf6 gub k|jfx -
cb[io ;DklQ v/Lb (418)
cb[io ;DklQ laqmL -
;DklQ, d]lzg / pks/0f vl/b (61,668)
;DklQ, d]lzg / pks/0f laqmL 63
OSjL6L v/Lb (49,608)
OSjL6L laqmL -
;fd'lxs nufgL sf]if v/Lb (75,000)
;fd'lxs nufgL sf]if laqmL -
C0fkq v/Lb (515,726)
C0fkq laqmL -
d'2tL lgIf]kdf nufgL (2,123,000)
cjlw ;dfKt d'2tL lgIf]kaf6 k|fKt /sd -
shf{ /sd (157,371)
shf{af6 k|fKt /sd -
31
Jofh cfDbfgL 775,560
nfef+z afkt k|fKt /sd 2,482
cGo 106,295
nufgL ultljlwaf6 v'b gub k|jfx -v_ (2,098,391)
ljQLo >f]t sf/f]af/af6 gub k|jfx -
Jofh vr{ e'QmfgL -
shf{ tyf ;fk6Laf6 k|fKt /sd -
shf{ tyf ;fk6Laf6 gub k|jfx -
OSjL6L laqmLaf6 k|fKt /sd 875,000
ljQLo >f]t sf/f]af/af6 v'b gub k|jfx -u_ 875,000
;Dk"0f{ ultljlwaf6 v'b gub k|jfx -s v u_ (54,821)
gub / gub ;dfg z'?sf] df}Hbft 127,133
gub / gub ;dfg df}Hbftsf] ljlgdo b/df kl/j{tg -
gub / gub ;dfg clGtd df}Hbft 72,312
4) cfDbfgL / vr{ lx;fasf] s'g} zLif{sdf 7"nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M ;f] gePsf] .
5) kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft\ ;+ul7t ;+:yfsf] sf/f]af/, gfkmf gf]S;fg, ;DklQsf] d"No jf cfufdL !@
dlxgfsf] bfloTj e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5÷5}g ;f] ;DaGwdf ;~rfnsx?sf] wf/0ff M ;f]
gePsf] .
6) cfly{s jif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLs[lt x'g] ldlt ;Dddf jf;nftsf] ldlt
kl5sf] 36gfsf] af/]df 5'§} hfgsf/L M ;f] gePsf] .
7) ljut % jif{df ;DklQsf] k"gd"{Nof+sg ul/Psf] 5÷5}g, olb ul/Psf] eP -c_ ;DklQsf] ljj/0f, -cf_ ;DklQsf] k"gd"{Nof+sg
cl3 / kl5sf] lstfaL d"No, -O{_ k"gd"{Nof+sgsf] cf}lrTo M ;f] gePsf] .
8) cfufdL tLg jif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x? M sDkgLsf] cfufdL # jif{sf]
nflu k|If]lkt ljQLo ljj/0f b]xfo adf]lhd /x]sf] 5 M
jf;nft
/sd ?= xhf/df
@)&(÷)*) @)*)÷)*! @)*!÷)*@
;DklQ
cb[io ;DklQ 4,065 5,114 6,013
;DklQ, d]lzg / pks/0f 151,344 175,257 194,222
nufgL ;Dklt - - -
:yug s/ ;DklQ 859,707 1,014,173 1,219,217
;xfos sDkgLx?df nufgL - - -
;Da4 sDkgLdf nufgL - - -
nufgL 16,191,691 22,927,066 32,191,026
shf{ 660,893 874,919 1,160,452
k'gaL{df ;DklQ 344,297 447,549 580,685
rfn' s/ ;DklQ 339,014 455,930 590,314
aLdsaf6 k|fKt x'g afFsL - - -
cGo ;DklQ 8,967 8,933 8,933
cGo ljQLo ;DklQ 96,689 116,984 135,381
gub / gub ;dfg 140,202 109,380 81,056
s'n ;DklQ 18,796,870 26,135,306 36,167,301

z]o/wgLsf] sf]if
z]o/ k"FhL 3,750,000 5,000,000 5,000,000
aFf8kmFf8 u/]kl5 afFsL /x]sf] cfj]bg /sd - - -
z]o/ lk|ldod 1,552,037 302,037 302,037
dxf ljkQL hu]8f 186,912 272,239 364,114
;l~rt sf]if 817,470 1,422,037 2,034,431
32
cGo hu]8f 860,748 1,024,247 1,238,812
s'n z]o/wgLsf] sf]if 7,167,168 8,020,561 8,939,395
bfloTj
Joj:yfx? 50,757 50,757 50,757
aLdf s/f/ bfloTj 10,966,373 17,344,259 26,303,023
:yug s/ bfloTj - - -
aLdf cGt{ut e'QmfgL lbg'kg]{ 108,171 117,480 141,951
Rffn' s/ bfloTj - - -
shf{ tyf ;fk6L - - -
cGo ljQLo bfloTj 385,400 464,174 571,960
cGo bfloTj 119,001 138,075 160,215
s'n bfloTj 11,629,702 18,114,745 27,227,906
s'n bfloTj / z]o/wgLsf] sf]if 18,796,870 26,135,306 36,167,301
Gffkmf gf]S;fg lx;fa

/sd ?= xhf/df
@)&(÷)*) @)*)÷)*! @)*!÷)*@
cfo
s'n lk|ldod 6,380,739 8,783,086 11,552,169
hf]lvd x:tfGt/0f lk|ldod (130,133) (95,913) (102,439)
v'b lk|ldod 6,250,606 8,687,173 11,449,730
sldzg cfDbfgL 32,404 57,162 77,395
nufgLaf6 cfDbfgL 1,314,986 1,764,168 2,173,209
ahf/ d'Nodf v'b k|fKt gfkmf÷-gf]S;fg_ - - -
v'b k|fKt gfkmf÷-gf]S;fg_ - - -
cGo cfDbfgL - - -
s'n cfo 7,597,996 10,508,503 13,700,334
vr{
s'n bfaL /sd e'QmfgL 1,503,361 1,515,352 1,624,916
s"n bfaL e'QmfgLdf k"gaL{dssf] lx:;f (172,707) (162,011) (182,260)
aLdfsf] s/f/ bfloTjdf kl/jt{g 3,667,329 6,042,084 8,509,333
k"gaL{dfsf] lx:;fsf] s/f/ bfloTjdf kl/jt{g (16,576) (21,431) (27,697)
v'b nfe tyf bfaL e'QmfgL 4,981,407 7,373,994 9,924,293
sldzg vr{ 1,190,431 1,123,920 1,461,081
;]jf z'Ns 48,585 67,370 88,752
sd{rf/L ;]jf 304,209 387,593 451,137
x«f;s§L / kl/zf]wg vr{ 30,364 27,692 32,790
Odk]l/d]G6 vr{ - - -
cGo vr{ 623,677 829,473 1,028,824
ljQLo nfut 15,034 34 -
s'n vr{ 7,193,707 9,810,076 12,986,877
s/ cl3sf] gfkmf 404,289 698,427 713,457
s/ vr{÷-cfDbfgL_ (207,325) (154,842) (205,294)
v'b gfkmf o; jif{sf] 611,614 853,269 918,751
cGo lj:t[t cfo

/sd ?= xhf/df
@)&(÷)*) @)*)÷)*! @)*!÷)*@
v'b gfkmf÷-gf]S;fg_ o; jif{sf] 611,614 853,269 918,751
cGo lj:t[t cfDbfgL
33
Fair Value df dfkg ubf{ l8j]~r/df ePsf] gfkmf÷-gf]S;fg_ - - -
gub k|jfx x]hdf nfe÷-gf]S;fg_ - - -
ljlgdo nfe÷-gf]S;fg_ -cGt/f{li6«o Operation sf] ljQLo ;DklQ - - -
O{lSjl6 ljlwaf6 n]vfÍg ul/Psf] ;Dj4 ;+:yfsf] lx:;f - - -
dfly pNn]lvt zLif{sx?sf] cfos/ - - -
gfkmf÷-gf]S;fg_ k'g juL{s[t - - -
Fair Value df dfkg ubf{ O{SjL6Ldf ePsf] gfkmf÷-gf]S;fg_ (1,800) 1,500 1,000
;DklQsf] k'gd"{NofÍgdf d"Nox«f; /sd - - -
k'gd{"NofÍgdf v'b nfe÷-gf]S;fg_ - - -
O{SjL6L ljlwaf6 n]vfÍg ul/Psf] ;Dj4 ;+:yfsf] lx:;f - - -
dfly pNn]lvt zLif{sx?sf] cfos/ 450 (375) (250)
c) Transfer to Insurance Fund - - -
s'n lj:t[t cfDbfgL (1,350) 1,125 750
hDdf lj:t[t cfDbfgL 610,264 854,394 919,501
gub k|jfx ljj/0f

/sd ?
@)&(÷)*) @)*)÷)*! @)*!÷)*@
gub k|fKt
s'n k|fKt lk|ldod 6,850,000 9,393,125 12,345,220
k|fKt sldzg 16,192 32,843 40,916
k"gaL{dsaf6 bfaL c;'nL 172,707 162,011 182,260
cGo cfo 16,212 24,319 36,479
gub e'QmfgL - - -
s'n bfaL /sd e'QmfgL (1,503,361) (1,515,352) (1,624,916)
hf]lvd x:tfGt/0f lk|ldod e'QmfgL (357,267) (398,147) (483,141)
sldzg e'QmfgL (1,136,199) (1,135,005) (1,404,888)
;]jf z"Ns e'QmfgL (53,075) (51,375) (70,449)
sd{rf/L vr{ e'QmfgL (24,873) (44,380) (80,941)
cGo vr{ e'QmfgL (839,417) (1,099,362) (1,359,967)
cGo (192,773) (24,715) (27,429)
cfos/ e'QmfgL - - -
sf/f]af/ ;~rfngaf6 v'b gub k|jfx -s_ 2,948,145 5,343,962 7,553,144

cb[io ;DklQ vl/b - - -
cb[io ;DklQ laqmL - - -
;DklQ, d]lzg / pks/0f vl/b (105,307) (52,654) (52,654)
;DklQ, d]lzg / pks/0f laqmL - - -
OSjL6L vl/b - - -
OlSj6L laqmL - - -
;fd'lxs nufgL sf]if vl/b - - -
;fd'lxs nufgL sf]if laqmL - - -
C0fkq vl/b (429,436) - 138,590
C0fkq laqmL - - -
d'2tL lgIf]kdf nufgL (7,112,965) (6,735,000) (9,402,300)
cjlw ;dfKt d'2tL lgIf]kaf6 k|fKt /sd - - -
shf{ /sd - - -
shf{af6 k|fKt /sd (260,213) (214,026) (285,533)
Aofh cfDbfgL 1,273,808 1,626,897 2,020,429
nfef+z jfkt k|fKt /sd - - -
cGo - - -
34
nufgL ultljlwaf6 v'b gub k|jfx -v_ (6,634,113) (5,374,783) (7,581,468)

Aofh vr{ e'QmfgL - - -
shf{ tyf ;fk6Laf6 k|fKt /sd - - -
shf{ tyf ;fk6Laf6 gub k|jfx - - -
OSjL6L laqmLaf6 k|fKt /sd 3,524,000 - -
ljQLo >f]t sf/f]af/af6 v'b gub k|jfx -u_ 3,524,000 - -
;Dk"0f{ ultljlwaf6 v'b gub k|jfx -s v u_ (161,968) (30,821) (28,324)

gub / gub ;dfg z'?sf] df}Hbft 302,169 140,202 109,380
gub / gub ;dfg df}Hbftsf] ljlgdo b/df kl/j{tg
gub / gub ;dfg clGtd df}Hbft 140,201 109,381 81,056
O{SjL6Ldf kl/jt{g lx;fa

/sd ?= xhf/df
af8FkmfF8 ug{
cu|flwsf/ z]o/ dxfljkQL lgofdlso k]mo/ Eofn'
ljj/0f r'Stf k"FhL afsL /x]sf] ;l~rt cfo cGo sf]if s'n
z]o/ lk|ldod hu]8f l/he{ l/he{
cfj]bg /sd
;fpg !, @)&( ;Ddsf] /sd 1,750,000 - - - 125,751 477,196 33,246 (18,060) 649,473 3,017,606
;dfof]hg - - - - - - - - - -
;fpg !, @)&( ;Ddsf] /sd ;dfof]hg /sd 1,750,000 - - - 125,751 477,196 33,246 (18,060) 649,473 3,017,606
cfly{s jif{sf] gfkmf - - - - - 611,614 - - - 611,614
s/ kl5sf] lj:t[t cfDbfgL
k]mo/ Eofn'df dfkg ubf{ l8a]Gr/ - - - - - - - - - -
gub k|jfx x]hdf nfe÷-gf]S;fg_ - - - - - - - - - -
ljlgdo nfe -gf]S;fg_-cGt/fli6«o
Operation sf] ljQLo ;DklQ ?kfGt/0f - - - - - - - - - -
ubf{
k]mo/ Eofn'df dfkg ubf{ O{lSj6L - - - - - - - - - -
k'g d"NofÍgdf v'b nfe÷-gf]S;fg_ - - - - - - - 9,424 - 9,424
sf]ifx?df :yfgfGt/0f - - - - - - - - - -
:yug s/ sf]ifdf :yfgfGt/0f - - - - - (207,325) - - 214,234 6,470
lgofdlso l/he{df :yfgfGt/0f - - - - - 3,263 (33,246) - - (29,983)
dxfljkQL sf]ifdf :yfgfGt/0f - - - - 61,161 (61,161) - - - -
;DklQsf] k'gd{"NofÍgdf d"Nox|f; /sdsf] - - - - - - - - - -
:yfgfGt/0f
;DklQ l8:kf]hn :yfgfGt/0f - - - - - - - - - -
Fk]mo/ Eofn'df dfkg ul/Psf] O{lSj6Lsf] - - - - - - - - - -
l8:kf]hn :yfgfGt/0f
CSR l/he{ - - - - - (6,116) - - 6,116 -
aLdf s/f/ bfloTjdf :yfgfGt/0f - - - - - - - - - -
z]o/ hf/L nfut - - - - - - - - - -
:jfldTjstf{sf] sf/f]af/, O{lSj6Ldf k|ToIf
n]vfÍg x'g]
af]g; z]o/ hf/L - - - - - - - - - -
z]o/ hf/L 2,000,000 - - 1,552,037 - - - - - 3,552,037
gub nfef+z - - - - - - - - - -
nfef+z ljt/0f s/ - - - - - - - - - -
cGo - - - - - - - - - -
@)*) c;f/ d;fGt;Ddsf] df}Hbft 3,750,000 - - 1,552,037 186,912 817,470 - (8,636) 869,384 7,167,169
;fpg !, @)*) ;Ddsf] /sd 3,750,000 - - 1,552,037 186,912 817,470 - (8,636) 869,384 7,167,169
;dfof]hg - - - - - - - - - -
;fpg !, @)*) ;Ddsf] /sd ;dfof]hg /sd 3,750,000 - - 1,552,037 186,912 817,470 - (8,636) 869,384 7,167,169
cfly{s jif{sf] gfkmf - - - - - 853,269 - - - 853,269
ljlgdo nfe -gf]S;fg_-cGt/fli6«o
Operation sf] ljQLo ;DklQ ?kfGt/0f - - - - - - - - - -
ubf{
k]mo/ Eofn'df dfkg ubf{ O{lSj6L - - - - - - - 500 (375) 125
k'g d"NofÍgdf v'b nfe÷-gf]S;fg_ - - - - - - - - - -
sf]ifx?df :yfgfGt/0f - - - - - - - - - -
:yug s/ sf]ifdf :yfgfGt/0f - - - - - (154,842) - - 154,842 -
lgofdlso l/he{df :yfgfGt/0f - - - - - - - - - -
35
:yfgfGt/0f
l8:kf]hn :yfgfGt/0f
lgofdlso l/he{ - - - - - (8,533) - - 8,533 -
z]o/ hf/L nfut - - - - - - - - - -
n]vfÍg x'g]
af]g; z]o/ hf/L 1,250,000 - - (1,250,000) - - - - - -
z]o/ hf/L - - - - - - - - - -
gub nfef+z - - - - - - - - - -
nfef+z ljt/0f s/ - - - - - - - - - -
cGo - - - - - - - - - -
@)*! c;f/ d;fGt;Ddsf] df}Hbft 5,000,000 - - 302,037 272,239 1,422,037 - (8,136) 1,032,383 8,020,561
;fpg !, @)*! ;Ddsf] /sd 5,000,000 - - 302,037 272,239 1,422,037 - (8,136) 1,032,383 8,020,561
;dfof]hg - - - - - - - - - -
;fpg !, @)*! ;Ddsf] /sd ;dfof]hg /sd 5,000,000 - - 302,037 272,239 1,422,037 - (8,136) 1,032,383 8,020,561
cfly{s jif{sf] gfkmf - - - - - 918s,751 - - - 918,751
ljlgdo nfe -gf]S;fg_-cGt/fli6«o - - - - - - - - - -
Operation sf] ljQLo ;DklQ ?kfGt/0f ubf{
k]mo/ Eofn'df dfkg ubf{ O{lSj6L - - - - - - - 333 (250) 83
k'g d"NofÍgdf v'b nfe÷-gf]S;fg_ - - - - - - - - - -
sf]ifx?df :yfgfGt/0f - - - - - - - - - -
:yug s/ sf]ifdf :yfgfGt/0f - - - - - (205,294) - - 205,294 -
lgofdlso l/he{df :yfgfGt/0f - - - - - - - - -
:yfgfGt/0f
l8:kf]hn :yfgfGt/0f
lgofdlso l/he{ - - - - - (9,188) - - 9,188 -
z]o/ hf/L nfut - - - - - - - - - -
n]vfÍg x'g]
af]g; z]o/ hf/L - - - - - - - - - -
z]o/ hf/L - - - - - - - - - -
gub nfef+z - - - - - - - - - -
nfef+z ljt/0f s/ - - - - - - - - - -
cGo - - - - - - - - - -
@)*@ c;f/ d;fGt;Ddsf] df}Hbft 5,000,000 - - 302,037 364,114 2,034,431 - (7,803) 1,246,615 8,939,394
gf]6 M g]kfn rf6{8{ PsfpG6]G6\; ;+:yfåf/f hf/L ul/Psf] g]kfn ljQLo k|ltj]bg dfg aLdf sDkgLx?nfO{ klg clgjfo{ ?kdf nfu' eO{ ;s]sf] x'bf dfly k|:t't ul/Psf] k|If]lkt
ljQLo ljj/0f g]kfn ljQLo k|ltj]bgdfg (NFRS) cg'?k tof/ kf/L k|:t't ul/Psf] 5 .
b|i6Jo M k|If]lkt ljQLo ljj/0f sDkgL cfkm}n] tof/ kf/]sf] xf] / ;f] ljQLo ljj/0fx? s]=Pd=o'=P08 Pzf]l;o6\;, rf6{8{ PsfpG6]G6;\åf/f
k'g/fjnf]sg u/L l7s 5 egL k|dfl0ft ul/Psf] 5 .
ljQLo k|If]k0fsf cfwf/x?sf] cf}lrTo k'li6 x'g] ljj/0f b]xfo adf]lhd /x]sf] 5 M
qm=;+= ljj/0f
cf=j= @)&(÷)*) df ;fj{hlgs lgisfzg kZrft\ sDkgLsf] r'Qmf k"FhL ?= #&% s/f]8 / cf=j= @)*)÷)*! df
!
;+lrt d'gfkmf nufotsf /sd k"+FhLs/0f u/L ?=%)) s/f]8 k|If]k0f ul/Psf] .
@ v'b gfkmfsf] !) k|ltzt dxfljklQ hu]8f sf]ifsf nflu 5'6\ofO k|If]k0f ul/Psf] .
# jf:tljs ljQLo ljj/0f cg';f/ x«f;s§L b/ sfod ul/Psf] .
;fj{hlgs lgisfzgaf6 k|fKt /sd nfO{ sdl;{on tyf 8]enkd]06 a}+sx?sf] jf]08, l8j]~r/ tyf d'2lt lgIf]k,
$ g]kfn ;/sf/sf] hdfgt k|fKt C0fkq tyf artkq, klAns lnld6]8 sDkgLsf] ;fwf/0f z]o/, 3/ hUuf Joj;fo
tyf pTkfbgd"ns Joj;flos kl/of]hgfx?df nufgL ug{] u/L k|If]k0f ul/Psf] .
j08 tyf l8j]~r/af6 k|fKt Aofh /sddf !% k|ltzt / d'2lt lgIf]kaf6 k|fKt Aofh /sddf % k|ltzt cu|Ld
%
s/s§L x'g] k|If]k0f ul/Psf] .
^ Endowment sf] xsdf Policy shf{ jflif{s #% k|ltztn] j[l4 k|If]k0f ul/Psf] .
cGo cNksflng shf{df Agent Loan / sd{rf/L shf{ ;dfj]z u/L k|If]k0f ul/Psf] h'g jif{ jif{df @) k|ltztn]
&
j[l4 x'g]5 .
36
u=(=v_ ljQLo cg'kft ;DaGwL ljj/0f M
s_ ;+ul7t ;+:yfsf] ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt e}g;s]sf]
cj:yfdf ;~rfng cjlwsf] tyf cfufdL tLg jif{sf] k|If]lkt k|lt z]o/ cfDbfgL (EPS), k|lt z]o/ g]6jy{ tyf g]6jy{df
cf};t k|ltkmn lgDgfg';f/ 5 M
g]6jy{ ;DaGwL ljj/0f
jf:tljs ckl/is[t k|If]lkt
ljj/0f cf=j= cf=j= cf=j= r}q d;fGt cf=j= cf=j= cf=j=
@)&^÷&& @)&&÷&* @)&*÷&( @)&( @)&(÷*) @)*)÷*! @)*!÷*@
r'Qmf k"FhL 1,750,000 1,750,000 1,750,000 2,625,000 3,750,000 5,000,000 5,000,000
hu]8f tyf sf]ifx? 605,007 909,011 1,267,606 1,437,048 3,417,168 3,020,561 3,939,395
s'n 2,355,007 2,659,011 3,017,606 4,062,048 7,167,168 8,020,561 8,939,395
36fpg] M ckn]vg ug{ afFsL - - - - - - -
vr{
s'n g]6jy{ 2,355,007 2,659,011 3,017,606 4,062,048 7,167,168 8,020,561 8,939,395
z]o/ ;+Vof -Ú)))_ 17,500 17,500 17,500 26,250 37,500 50,000 50,000
v'b gfkmf gf]S;fg -?=xhf/df_ 269,044 300,506 376,071 180,498 611,614 853,269 918,751
k|lt z]o/ g]6jy{ -?=_ 134.57 151.94 172.43 154.74 191.12 160.41 178.79
k|lt z]o/ cfDbfgL -?=_ 15.37 17.17 21.49 6.88 16.31 17.07 18.38
g]6jy{df k|ltkmn -Ü_ 11.42 11.30 12.46 4.45 8.53 10.64 10.28
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 M 11.00%
dfly pNn]lvt ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf] aLdf 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 s]=Pd=o'=P08
Pzf]l;o6\;, rf6{8{ PsfpG6]G6;\ åf/f k|dfl0ft u/]sf] xf] .
v_ ljut # jif{sf] g]6jy{df ePsf] cf}ift k|ltkmn M !!=&#Ü
u=!)= lwtf]kq lgisfzg ;DaGwL ljj/0f M
u=!)=s_ lwtf]kq hf/L ug'{sf] p2]ZoM
-c_ sDkgLsf] tTsfn r'Qmf kF"hL ?=# cj{ &% s/f]8 dWo] k|aGwkqdf Joj:yf eP cg'?k #)Ü z]o/ ;j{;fwf/0fdf laqmL
ug'{ kg]{ ePsf] sf/0f ;f] sf] #)Ü cyf{t ?=!,!@%,))),)))÷– /sd a/fa/sf] k|lt z]o/ ?=!))÷– df ?= !$$÷–
lk|ldod yk u/L ?= @$$÷– sf b/n] !,)^,*&,%)) lsQf / sDkgLdf sfo{/t sd{rf/Lx?sf nflu 5'§ofO{Psf]
%,^@,%)) lsQf c+lst d"No ?= !)) ÷– sf b/n] s'n !!,@%),))) lsQf ;fwf/0f z]o/x? ;j{;fwf/0fx?df laqmL
ljt/0f u/L sDkgLsf] ;~rfngdf ;j{;fwf/0fx?nfO{ ;d]t ;+nUg u/fpg .
-cf_ sDkgLsf] k|aGwkq tyf lgodfjnLdf pNn]v ePsf p2]Zox? cg'?k ug'{kg]{ sfo{x?sf] nflu cfjZos kF"hL ;+sng
ug{ .
-O_ sDkgLn] cfˆgf] ;]jf lj:tf/ ug]{ qmddf aLdf Joj;fosf] hf]lvd wf/0f Ifdtf a9fpg tyf ljQLo Pj+ cfly{s
ultljlwx?nfO{ lj:tf/ ug{ cfjZos kg]{ kF"hLsf] Joj:yf ug{ .
u=!)=v_ lwtf]kq lgisfzgaf6 k|fKt k"FhLsf] pkof]u M
1) lgisfzgaf6 k|fKt x'g] s'n /sdnfO{ s;/L / s'g If]qdf k|of]u ul/g] 5 tT;DaGwL ljj/0fM ;fwf/0f z]o/ lgisfzg u/L
k|fKt x'g] kF"hL sDkgL P]g, aLdf P]g tyf cGo k|rlnt sfg'gsf] clwgdf /xL sDkgLsf] Joj;flos k|of]hgdf pkof]u
ul/g]5 . hLjg aLdfsf] k|s[lt adf]lhd Joj;fo j[l4sf] cg'kftdf r'Qmf kF"hL j[l4 ePdf sDkgLsf] ljQLo Ifdtf yk
;'b[9 x'g'sf ;fy} r'Qmf kF"hL tyf hu]8f sf]ifnfO{ Pp6f lglZrt cg'kftdf /fVbf sDkgLsf] ;f]Ne]G;L dflh{g ;d]t
;sf/fTds x'g] eO{ sDkgLsf] ;du| ljQLo cj:yf ;'b[9 x'g] x'bfF o; ;fj{hlgs lgisfzgaf6 k|fKt /sdn] pQm cj:yf
cg's'n agfpg d2t ub{5 . o;}u/L g]kfn aLdf k|flws/0faf6 hf/L ul/Psf] gofF nufgL lgb]{lzsfn] ljleGg k"jf{wf/hGo
If]qx? tyf /fli6«o k|fyldstf k|fKt If]qx?df nufgLsf] cj;/x? k|bfg u/]sf]n] To:tf] If]qx?df nufgL lj:tf/sf nflu
pQm /sd pkof]usf] nflu kxn ul/g]5 . ;fy} ;fwf/0f z]o/ lgisfzg u/L k|fKt x'g] kF"hL sDkgLsf]] lgoldt sf/f]af/
Pj+ cfly{s sf/f]af/x? lj:tf/ Pj+ j[l4 ug{ pkof]u ul/g]5, h'g b]xfo cg';f/ pNn]v ul/Psf] 5 M
qm=;+= lgisfzgaf6 k|fKt x'g] /sd k|of]u ul/g] If]q /sd -?= xhf/df_
1 g]kfn ;/sf/sf] hdfgt k|fKt C0fkq tyf artkq 392,933
2 a}+s tyf ljQLo ;+:yfåf/f hf/L d'2tL lgIf]k 1,021,624
3 a}+s tyf ljQLo ;+:yfåf/f hf/L C0fkq tyf l8j]Gr/ 392,933
4 ;"rLs[t klAns lnld6]8 sDkgLsf] j08, l8j]~r/, C0fkq 130,978
5 ;"rLs[t klAns lnld6]8 sDkgLsf] ;fwf/0f z]o/ 209,564
6 Gfful/s nufgL sf]if tyf Do'r'cn km08 78,586
37
7 3/ hUuf Joj;fo 261,955
8 pTkfbgd"ns Joj;flos kl/of]hgfx?df nufgL 130,976
9 zfvf lj:tf/ tyf ef}lts k"jf{wf/sf] clej[l4 44,451
hDdf /sd 2,664,000
2) ;fj{hlgs lgisfzg (Public Offering) ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] nflu p2]Zo
k|flKt ug{sf] nflu ckgfOg] j}slNks Joj:yfM aLdf sDkgLsf] z]o/ lgisfzg ubf{ lgisflzt z]o/ eGbf clws dfqfdf
cfj]bg k|fKt x'g] u/]sf] b]lvPsf]n] o; sDkgLsf] lgisflzt z]o/x? klg k"0f{ ?kdf laqmL x'g] wf/0ff sDkgLsf] /x]sf] 5 .
sy+sbflrt lgisfzg ul/g] ;fwf/0f z]o/x? k"0f{ ?kdf laqmL gePdf b]xfo adf]lhdsf sDkgLx?n]] lgDgfg';f/ lgisfzg
/sdsf] zt k|ltzt z]o/ vl/b ug]{ k|Tofe"lt ;Demf}tf ul/Psf] 5 .
qm= ;+= k|Tofe"ltstf{sf] gfd k|Tofe"t z]o/ lsQf k|Tofe"t ul/Psf] /sd -?=_
1 k|e' Soflk6n lnld6]8 3,448,000 999,920,000
2 l;l6hG;\ Soflk6n lnld6]8 2,127,000 616,830,000
3 df5fk'R5]« Soflk6n lnld6]8 2,068,000 599,720,000
4 d'lQmgfy Soflk6n lnld6]8 1,241,000 359,890,000
5 lxdfnog Soflk6n lnld6]8 300,000 87,000,000
6 l;len Soflk6n dfs]{6 lnld6]8 344,000 99,760,000
7 ;g/fO{h Soflk6n lnld6]8 689,000 199,810,000
8 ;flgdf Soflk6n lnld6]8 275,000 79,750,000
9 ;flgdf OSjL6L km08 586,000 169,940,000
10 l;l6hG;\ Do'r'cn km08 - @ 172,000 49,880,000
hDdf 11,250,000 3,262,500,000
3) cfof]hgfsf] ;+rfng :yfg, cfof]hgf r/0fj4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{, s'g} r/0f ;dfKt
e};s]sf] eP ;f] ;DaGwL ljj/0f M ;f] gePsf] .
4) cfof]hgf ;DkGg x'g], k/LIf0f pTkfbg z'? x'g] / k"0f{ Jofj;flos pTkfbg z'? x'g] cg'dflgt ldlt M ;f] gePsf]] .
5) ;+ul7t ;+:yfn] s'g} pks/0f vl/b u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"No jf k|:tfljt d"No, ;Knfo;{sf] gfd
/ ;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d'Vo–d'Vo a'Fbfx? M ;f] gePsf] .
6) s'g} kf6L{;Fu k|ltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, /f]oN6L, ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws ;Demf}tf ul/Psf]
eP ;f] sf] k|d'v zt{x? / kf6L{sf] gfd, 7]ufgf ;DaGwL lj:t[t ljj/0f M ;f] gePsf] .
7) pTkfbg ;DaGwL cfof]hgf eP, ;f] sf] k|s[lt, k|of]ustf{, k|lt:kwf{, nlIft ;d"x, pTkfbg Ifdtf, ljut jif{x?sf] Ifdtf
pkef]u jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M ;f] gePsf] .
8) cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M ;f] gePsf] .
9) cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M ;f] gePsf] .
10) ;fj{hlgs lgisfzgsf] nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Nsx? 5'§f5'§} ?kdf k|:t't ug'{
kg]{ .
s_ lgisfzg tyf laqmL k|aGws M o; ljj/0fkq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fnfO{ laqmL ul/g] ;fwf/0f z]o/sf]
lgisfzg tyf laqmL k|aGwssf] ?kdf sfo{ ug{ PgcfOPdla P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}nfO{ ;]jf
z'Ns jfkt ?= !*,&%,))) ÷– -cIf?kL c7f/ nfv krxQ/ xhf/ ?k}+ofF dfq_ e'QmfgL lbOg] 5 .
v_ 6«i6L -l8j]~r/ lgisfzgsf] xsdf_ M ;f] gePsf] .
u_ k|Tofe"ltstf{ M o; sDkgLsf] z]o/ k|Tofe"ltstf{x?nfO{ k|Tofe"lt ;]jf k|bfg u/] jfkt ? !,^#,!@,%))÷– b]xfo
adf]lhdsf] e'QmfgL lbO{g]5 .
qm= ;+= k|Tofe"ltstf{sf] gfd /sd ?=
1 k|e' Soflk6n lnld6]8 4,999,600
2 l;l6hG;\ Soflk6n lnld6]8 3,084,150
3 df5fk'R5]« Soflk6n lnld6]8 2,998,600
4 d'lQmgfy Soflk6n lnld6]8 1,799,450
5 lxdfnog Soflk6n lnld6]8 435,000
6 l;len Soflk6n dfs]{6 lnld6]8 498,800
7 ;g/fO{h Soflk6n lnld6]8 999,050
8 ;flgdf Soflk6n lnld6]8 398,750
9 ;flgdf OSjL6L km08 849,700
38
10 l;l6hG;\ Do'r'cn km08 - @ 249,400
hDdf 16,312,500
3_ n]vfk/LIfs M sDkgLsf] cf=j=@)&*÷)&( sf] n]vfk/LIf0fsf] sfo{ ug{sf nflu >L Hff]ZfL P08 e08f/L, rf68{
PsfpG6]06\;, nfO{ ;]jf z'Ns jfkt ?= ##(,)))÷– -cIf?kL tLg nfv pgfGrfln; xhf/ ?k}+of dfq_ e'QmfgL
ul/Psf] 5 .
ª_ lj1x? M ;f] gePsf] .
r_ cGo -h:t} ;+sng s]Gb|, lgisfzg a}+s cflb_ M g]kfn lwtf]kq af]8{af6 @)&$÷!!÷!! ut] b]lv l;–cf:af k|0ffnL
sfof{Gjog eO{;s]sf] ;Gbe{df g]kfn lwtf]kq af]8{af6 :jLs[t k|fKt l;–cf:af ;b:o a}+s tyf ljQLo ;+:yf / ltgsf
tf]lsPsf zfvf sfof{nox? o; lgisfzgsf] nflu ;+sng s]Gb|sf] ?kdf /xg]5g\ . l;–cf:af ;b:o a}+s tyf ljQLo
;+:yfx?nfO{ s'g} z'Ns e'QmfgL ug'{kg]{ / lghx?n] g]kfn lwtf]kq af]8{n] tf]s] adf]lhdsf] z'Ns lgisfzg tyf laqmL
k|aGwsnfO{ e'QmfgL ug]{5g\ . l;–cf:af k|0ffnL sfof{Gjog ePsf] ;Gbe{df lgisfzg a}+ssf] cfjZostf gx'g] ePtf
klg cfjZostf cg';f/ lgisfzg a}+s vf]Ng ;lsg]5 / ;f] sf] hfgsf/L g]kfn lwtf]kq af]8{nfO{ clu|d ?kdf u/fOg]
5.
u=!)=u_ ;fj{hlgs lgisfzgaf6 k|fKt /sdnfO{ kl/of]hgfdf k|of]u ug{ k"j{ cGo s'g} Joj:yf ug{ nfluPsf] 5 eg] tT;DaGwL
ljj/0f M ;f] gePsf] .
u=!)=3_ lk|ldoddf lwtf]kq hf/L ug]{ ePdf lk|ldod d"No lgwf{/0f ubf{ ckgfO{Psf] ljlw / cf}lrTo M
sd{rf/Lx?nfO{ hf/L ul/g] z]o/ ?=!))÷– c+lst d'Nodf / ;j{;fwf/0fdf hf/L ul/g] z]o/df c+lst d"No ?=!))÷– df
?=!$$÷– lk|ldod yk ul/ k|lt z]o/ ?=@$$÷– df lgisfzg ul/Psf] 5 . o;sf sf/0f / cf}lrTo lgDgfg';f/ 5g\ M
!_ sDkgL P]g, @)^# sf] bkmf @( adf]lhd lk|ldod d"Nosf] z]o/ hf/L ug{ ;Sg]5 eGg] Joj:yf /x]sf] / lwtf]kq btf{ tyf
lgisfzg lgodfjnL, @)&# -kfFrf} ;+zf]wg ;lxt_ sf] bkmf @% df b]xfo adf]lhdsf] cj:yf k"/f ePsf] M
 ;+ul7t ;+:yf nuftf/ kl5Nnf] tLg jif{;Dd v'b d'gfkmfdf ;~rfngdf /x]sf] 5 .
cf=j= gfkmf÷gf]S;fg -?= xhf/df_
2076/77 269,044
2077/78 300,506
2078/79 376,071
 ;+ul7t ;+:yfsf] k|lt z]o/ r'Qmf k"FhL eGbf k|lt z]o/ g]6jy{ cfly{s jif{ @)&*÷&( df sDkgLsf] g]6jy{ ?=!&@÷$#
ePsf] 5 .
 ;+ul7t ;+:yfsf] ;fwf/0f;efn] lk|ldod d"Nodf lwtf]kq hf/L ug]{ lg0f{o u/]sf] 5 .
 ;+ul7t ;+:yfn] lk|ldod d"No lgwf{/0f ubf{ ckgfO{Psf] ljlw, cf}lrTo / cf}lrTonfO{ k'li6 ug]{
u/L ;+ul7t ;+:yf eGbf aflx/sf lj1 jf lj1 ;+:yfaf6 k|dfl0ft lwtf]kq d"Nof+sg k|ltj]bgdf b]xfo adf]lhdsf]
/x]sf] 5 M
d"NofÍg ljlw d"No -?=_
k"FhLs[t ePsf] cfDbfgL (Capitalized Earning Method) 69.16
l8isfpG6]8 gub k|jfx ljlw (Discounted Cash Flow Method) 638.97
Net Worth Per Share Method 122.28
cf}ift d'No (Average Valuation) 276.80
 lgb]{lzsfdf plNnlvt lk|ldod lgwf{/0f ;DaGwL Joj:yf kfngf u/]sf] 5 .
 ;+ul7t ;+:yfn] ldlt @)*)÷)@÷@^ df qm]l86 /]l6Ë u/fO{ "[ICRANP-IR] BBB" (Pronounced ICRA NP Issuer
Rating BBB) sf] k|df0fkq k|fKt u/]sf] 5 .
@_ lwtf]kqsf] lk|ldod d"No lgwf{/0f ubf{÷u/fpFbf b]xfo cg';f/sf kIfx?sf] cf}lrTo k'li6 ug]{ cfwf/x? ;d]t lgDg adf]lhd
/x]sf] 5 M
s_ l8:sfpG6 b/ M
l8:sfpG6 b/ -!)=$# k|ltzt_ lgwf{/0f ubf{ OSjL6Ldf ePsf] nfutnfO{ cfwf/ dflgPsf] 5 h'g l;PlkPd df]8n
(CAPM Model) af6 lgwf{/0f ul/Psf] xf] . lj6f u0fgfsf nflu hLjg aLdf pk–;'rfÍ lj6f )=(^ dflgPsf] 5 / lj=;+=
@)%* b]lv @)&( ;Ddsf] g]kfn /fi6« a}+saf6 hf/L ePsf] Government Citizen Saving Bond sf] cf}ift /]6 *=#^
lnOPsf] 5 .
v_ Perpetual Growth Rate :
ljut ^ jif{sf] g]kfnsf] cf}ift cfly{s j[l4 lnO{ Perpetual Growth /]6 %=!^ k|ltzt lgwf{/0f ul/Psf] 5 .
u_ Net Worth Per Share :
cf=j= @)&*÷)&( df r'Qmf k"FhL ?=!,&%,)),)),)))÷– /x]sf]df ;f] kZrft\ @)&( sflt{sdf k"FhL a[l4 eO{
?=@,^@,%),)),)))÷– sfod ePsf] . sDkgLsf] cf=j= @)&*÷)&( sf] n]vfk/LIf0f ePsf] s'n g]6jy{
?=#,*(,@^,)%,^()÷– df :yug s/ hu]8f /sd ?=^$,%(,!@,)(^÷–, lgodgsf/L sf]if /sd ?=#,#@,$%,^!)÷– tyf
39
;+:yfut ;fdflhs pQ/bfloTj sf]if /sd ?=#%,^),(^#÷– 36fO{ sfod x'g cfPsf] s'n g]6jy{ ?=#,@),(*,*&,)@!÷–
nfO{ z]o/ ;+Vof @,^@,%),))) n] u0fgf ubf{ k|lt z]o/ g]6jy{ ?= !@@÷@* sfod x'g cfPsf] .
#_ o; ljj/0fkq dfkm{t lk|ldod d"Nodf ;j{;fwf/0fdf laqmL ul/g] ;fwf/0f z]o/sf] d"NofÍg ;DaGwL sfo{ >L ;+hLj 9sfn
P08 Pzf]l;o6\;, rf6{8{ PsfpG6]G6\;, 6f]vf !), sf7df08f}åf/f ul/Psf] xf] .
u=!)=ª_ lwtf]kq afF8kmfF8, lkmtf{ e'QmfgL tyf ;"rLs/0f ;DaGwL Joj:yf M
s_ cToflws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmfF8sf] k|s[of M o; ljj/0fkq dfkm{t hf/L ul/Psf] ;fwf/0f z]o/
;+Vof eGbf a9L ;+Vofdf ;fwf/0f z]o/ vl/bsf] nflu b/vf:t k|fKt x'g cfPdf ælwtf]kq lgisfzg tyf afF8kmfF8
lgb]{lzsf, @)&$ -;ftf}+ ;+zf]wg ;lxt__Æ df ePsf] Joj:yf cg';f/ ;fwf/0f z]o/x? afF8kmfF8 ul/g]5 . olb lgisfzg
ul/Psf] z]o/sf] ;+Vof eGbf sd ;+Vofdf ;fwf/0f z]o/ vl/bsf nflu b/vf:t k|fKt x'g cfPdf dfu adf]lhd z]o/
afF8kmfF8 u/L afFsL /x]sf] z]o/ k|Tofe"ltstf{n] k|Tofe"lt ;DaGwL ;Demf}tfdf ePsf] Joj:yf cg';f/ vl/b ug]{5 .
v_ cToflws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DaGwL Joj:yf M lwtf]kq lgisfzg tyf afF8kmfF8
lgb]{lzsf, @)&$ -;ftf}+ ;+zf]wg ;lxt__ df ePsf] Joj:yf cg';f/ j}b]lzs /f]huf/Ldf /x]sf g]kfnLx? tyf
;j{;fwf/0fnfO{ g]kfn lwtf]kq af]8{n] tf]s]sf] ;dofjlw leq z]o/ afF8kmfF8 u/L k"0f{ jf cf+lzs ?kdf :jLs[t÷c:jLs[t
ePsf] Joxf]/f pNn]v u/L ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#Æ sf] cg';"rL & adf]lhdsf]
ljj/0f ;DalGwt cf:af (ASBA) ;b:o a}+s tyf ljQLo ;+:yfnfO{ pknAw u/fOg]5 / ;f]xL ljj/0f cg'?k cf:af
;b:o a}+s tyf ljQLo ;+:yfx?n] afF8kmfF8 df gk/]sf] z]o/ jfktsf] /sd ;DalGwt cfj]bssf] /f]Ssf /x]sf] a}+s vftf
km's'jf u/L lkmtf{ ul/lbg]5 .
u_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Aofhb/ M ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL
lgb]{lzsf, @)&#Æ k"0f{ ?kdf nfu" eO{;s]sf] ;Gbe{df of] Joj:yf nfu" gx'g] .
3_ lwtf]kqsf] afF8kmfF8 tyf k|df0fkq hf/L ;DaGwL k|s[of / ;dofjlw M o; ljj/0fkq dfkm{t ;fj{hlgs lgisfzg ul/g]
;fwf/0f z]o/ ælwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$ -;ftf}+ ;+zf]wg ;lxt_Æ adf]lhd ;fwf/0f z]o/sf]
afF8kmfF8 u/] kZrft\ g]kfn :6s PS;r]Gh ln= df ;"rLs/0f tyf l;l8P; P08 lSnol/Ë ln= df btf{ eP kZrft\
cfj]bg kmf/fddf pknAw u/fPsf] lxtu|fxL vftfdf afF8kmfF8df k/]sf z]o/ hDdf÷ljt/0f ug]{ Joj:yf ldnfOg]5 .
ª_ lwtf]kq ;"rLs/0f e};s]sf] eP, To:tf] lwtf]kq ;"rLs/0f ul/Psf] lwtf]kq ahf/sf] gfd / lwtf]kq sf/f]af/ z'? x'gsf]
nflu ;+ul7t ;+:yfn] k"/f ug'{ kg]{ zt{x? ;DaGwL ljj/0f M ;f] gePsf]
r_ lwtf]kq ;"rLs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kqx? k|rlnt P]g, lgod cg';f/
;xh vl/b laqmL jf ljlgdo x'g ;Sg] u/fpgsf] nflu ul/g] Joj:yf ;DaGwL ljj/0f M ;fj{hlgs lgisfzg ul/g]
;fwf/0f z]o/ ælwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$ -;ftf}+ ;+zf]wg ;lxt_Æ adf]lhd ;fwf/0f z]o/sf]
afF8kmfF8 u/] kZrft\ g]kfn :6s PS;r]Gh ln= tyf l;l8P; P08 lSnol/Ë ln= df ;"rLs/0f / btf{ u/fO{ z]o/ vl/b
laqmL tyf /fkm;fkmsf] nflu cfjZos Joj:yf ldnfOg]5 .
u=!)=r_ k|Tofe"lt ;DaGwL ljj/0f M
s_ lwtf]kq k|Tofe"lt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|Tofe"lt ug]{ lwtf]kqsf] ;+Vof / /sd M o; ljj/0fkq dfkm{t
lgisfzg ug{ nfluPsf] lwtf]kqsf] zt k|ltztn] x'g] !,!@,%),))) lsQf ;fwf/0f z]o/sf] nflu ?= #,@^,@%,)),)))÷–
/sd a/fa/sf] k|Tofe"lt ;]jf b]xfo adf]lhdsf sDkgLx?åf/f k|bfg ul/Psf] 5 M
qm= ;+= k|Tofe"ltstf{sf] gfd k|Tofe"t z]o/ lsQf k|Tofe"t ul/Psf] /sd -?=_
1 k|e' Soflk6n lnld6]8 3,448,000 999,920,000
2 l;l6hG;\ Soflk6n lnld6]8 2,127,000 616,830,000
3 df5fk'R5]« Soflk6n lnld6]8 2,068,000 599,720,000
4 d'lQmgfy Soflk6n lnld6]8 1,241,000 359,890,000
5 lxdfnog Soflk6n lnld6]8 300,000 87,000,000
6 l;len Soflk6n dfs]{6 lnld6]8 344,000 99,760,000
7 ;g/fO{h Soflk6n lnld6]8 689,000 199,810,000
8 ;flgdf Soflk6n lnld6]8 275,000 79,750,000
9 ;flgdf OSjL6L km08 586,000 169,940,000
10 l;l6hG;\ Do'r'cn km08 - @ 172,000 49,880,000
hDdf 11,250,000 3,262,500,000
v_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d'Vo–d'Vo aF'bfx? M o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf]
lwtf]kqsf] k|Tofe"ltstf{ ;Fu ul/Psf] ;Demf}tfsf] d'Vo–d'Vo aF'bfx? b]xfo adf]lhd /x]sf] 5 M
!= k|Tofe"ltstf{x?n] !,!@,%),))) lsQf ;fwf/0f z]o/x?sf] nflu k|Tofe"lt ;]jf k|bfg u/]sf 5g\ .
@= k|Tofe"ltstf{x?nfO{ k|Tofe"lt ;]jf k|bfg u/] jfkt sDkgLn] ?= !,^#,!@,%))÷– e'QmfgL lbOg]5 .
40
#= o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/x?df k|Tofe"ltstf{x?sf] bfloTj k|Tofe"ltt lsQf z]o/x?df dfq
l;ldt x'g]5 .
$= o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/x? k"0f{ ?kdf laqmL gePdf ;Demf}tfkqdf pNn]lvt lghx?n]
k|Tofe"lt ug{ sa'n u/]sf] lsQf z]o/x?df l;ldt x'g] u/L k|Tofe"ltstf{n] vl/b ug]{ ;xdlt hgfPsf] 5 .
%= k|Tofe"ltstf{x?;+u ldlt @)&(÷!!÷#) df ;Demf}tf ul/Psf]df ;Demf}tfkqsf] cjlw ;DalGwt kIfx?n] x:tfIf/
u/]sf] ldltn] ^ -5_ dlxgf sfod /xg] zt{ pNn]v /x]sf] / sy+sbflrt pQm cjlw leq z]o/ lgisfzgsf] sfo{
;dfKt x'g g;s]df s'g} yk z'Ns glnO{ yk # -tLg_ dlxgf cjlwsf] nflu ;do yk ul/g]5 eGg] zt{ /flvPsf]
5 . ;f] eGbf a9L ;do yk ug'{ k/]df cfk;L ;xdltdf ;Demf}tf cjlw yk ug{ ;lsg]5 .
^= o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/x? k"0f{ ?kdf laqmL ePsf] v08df ;Demf}tfkq :jtM vf/]h
x'g]5 .
&= k|Tofe"lt ;DaGwL cGo Joj:yfx? k|rlnt sfg'g tyf k|Tofe"lt ;DaGwL ;Demf}tfdf pNn]v eP adf]lhd x'g]5 .
u=!)=5_ cfj]bg lb+bf Wofg lbg' kg]{ s'/fx? M
s_ lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/, lwtf]kqjfnfsf] clwsf/df
kl/jt{g ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL ljj/0f M lwtf]kqjfnfx?sf] clwsf/ tyf k|ltaGwfTds
Joj:yfx? h:t} dtflwsf/, lwtf]kqjfnfsf] clwsf/df kl/jt{g ug]{ k|s[of tyf lwtf]kq vf/]hL cflb ;DalGwt Joj:yf
k|rlnt sfg'g adf]lhd x'g]5 . ;fy} nfef+z, xsk|b z]o/ cflb ;DaGwL ljj/0f sDkgLn] lgoldt ?kdf cfh{g ug]{
d'gfkmf tyf sDkgLsf] kF"hL of]hgf cg';f/ k|rlnt sfg"g adf]lhd ul/g]5 .
v_ lgodfjnL, k|aGwkq k|fKt ug]{ jf x]g{ ;Sg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof / ;f] eGbf dfly
lng] ePdf s'g u'0ffÍdf lng ;Sg] xf] ;f] ;DaGwL ljj/0f M
!= o; sDkgLsf] k|aGwkq tyf lgodfjnL sfof{no ;do leq sDkgLsf] /lhi68{ sfof{no, sf7df08f}+
dxfgu/kflnsf - !!, Pn P; sDKn]S;, yfkfynL, sf7df08f} jf lwtf]kq lgisfzg tyf laqmL k|aGws PgcfOPdla
P; Soflk6n lnld6]8sf] sfof{no, nflhDkf6, sf7df08f}df ;Dks{ /fvL x]g{ jf k|fKt ug{ ;lsg]5 .
@= o; ljj/0fkq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/sf] nflu b/vf:t lbbfF b/vf:tjfnfn] sDtLdf !) -bz_ lsQf
;fwf/0f z]o/sf] nflu b/vf:t lbg' kg]{5 . olb s'g} b/vf:tjfnfn] !) -bz_ lsQf eGbf a9L z]o/sf] nflu
b/vf:t lbg rfx]df !) -bz_ c+ssf] u'0ffÍdf clwstd !%,)),))) -kGw| nfv_ lsQf ;fwf/0f z]o/ vl/b ug{sf
nflu b/vf:t lbg ;Sg]5 .
u_ cfj]bg lbFbf kfngf ug'{kg]{ zt{ aGb]hx? h:t} Ps eGbf a9L b/vf:t lbg gkfOg], nufgLstf{sf] klxrfgsf] nflu
gful/stf÷hGdbtf{sf] k|dfl0ft k|df0fkqsf] k|ltlnlk k]z ug'{kg]{ jf lwtf]kq bnfn Joj;foLn] lbPsf] u|fxssf] kl/ro
gDa/ / ;DalGwt Jofj;foLsf] gfd v'nfpg'kg]{ / a}+s vftf dfkm{t sf/f]af/ ul/g'kg]{ h:tf kIfx? M
!= s'g} klg g]kfnL gful/sn] o; ljj/0fkq dfkm{t hf/L ul/g] ;fwf/0f z]o/ vl/bsf nflu b/vf:t lbg ;Sg]5g .
@= o; ljj/0fkqaf6 lgisfzg x'g] lwtf]kq vl/bsf nflu b/vf:t lbg rfxg]n] g]kfn lwtf]kq af]8{af6 cg'dlt lnO{
lwtf]kqsf] ;fj{hlgs lgisfzgsf] æs]lGb|s[t ljB'tLo ;]jf ;DaGwL sfo{ ;~rfng lgb]{lzsf, @)&$Æ adf]lhd
;fj{hlgs lgisfzg k|0ffnL dfkm{t cfj]bg ;+sng ug{ cfj4 cf:af (ASBA) ;]jfdf ;xefuL a+}s tyf ljQLo
;+:yf tyf ltgsf zfvf sfof{nox?af6 cfj]bg lbg ;Sg]5g\ .
#= cfj]bsn] cfj]bg lbg' k"j{ cfˆgf] vftf /x]sf] ;DalGwt a}+s tyf ljQLo ;+:yfdf uO{ ælwtf]kqsf] ;fj{hlgs
lgisfzgsf] s]lGb|s[t ljB'tLo ;]jf sfo{ ;~rfng lgb]{lzsf, @)&$Æ sf] cg';"rL–@ adf]lhdsf] l;–cf:af
/lhi6«]zg kmf/fd e/L CRN g+= lng'kg]{5 .
$= cfj]bssf] a}+s vftfdf ePsf] ljj/0f / cg';'rL @ df pNn]v u/]sf] ljj/0f ldNg'kg]{5 .
%= cfj]bsn] CRN g+= k|fKt u/] kZrft\ z]o/ vl/bsf nflu tf]lsPsf] 9fFrfdf ;DalGwt a}+s tyf ljQLo ;+:yfdf
lwtf]kq vl/bsf nflu cfj]bg lbg'kg]{5 .
^= cfj]bsn] cfj]bgdf pNn]v u/]sf] lxtu|fxL kl/ro g+= / cGo ljj/0f l;–cf:af ;ˆ6j]o/df /x]sf] cfj]bssf]
lxtu|fxL vftf / cGo ljj/0f;Fu ?h' x'g'kg]{5 .
&= cfj]bsn] cfj]bg kmf/fd a'emfpFbf b]xfosf s'/fx?df ljz]if Wofg lbO{ :ki6 ;Fu cfj]bg kmf/fd e/L a'emfpg'
kg]{5M
s= lwtf]kq lgisfzgstf{ sDkgLsf] gfd .
v= cfj]bssf] gfd, y/, 7]ufgf, gful/stf g+=, b:tvt, ;Dks{ kmf]g g+=, Od]n .
u= gfafns / ljlIfKt JolQmsf] xsdf ;+/Ifssf] gfd, y/ / gftf .
3= vl/b ug{ rfx]sf] lwtf]kqsf] ;+Vof -c+s / cIf/df_ .
ª= vl/b ug{ rfx]sf] lwtf]kq jfktsf] /sd -c+s / cIf/df_ .
r= cfj]bssf] vftf /x]sf] a}+s÷ljQLo ;+:yfsf] gfd, 7]ufgf, vftf g+= / vftfsf] lsl;d .
5= cfj]bssf] lxtu|fxL (DEMAT) vftf gDa/ .
41
*= cfj]bsn] cfj]bg lbFbf l;–cf:af ;b:o a}+s÷ljQLo ;+:yfx?df /x]sf] cfj]bg jfktsf] /sd /f]Ssf /flvg] vftf
cGo s'g} k|sf/n] /f]Ssf /x]sf] jf lgis[o (Dormant) /x]sf] x'g' x'b}g .
(= cfj]bg lbPsf] /sd a/fa/sf] /sd vftfdf x'g' kg]{5 .
!)= Ps JolQmn] cfkm"n] vl/b ug{ rfx]sf] ;fwf/0f z]o/sf] nflu Ps eGbf a9L b/vf:t lbg] kfOg] 5}g . olb Ps
JolQmsf] gfddf Ps eGbf a9L cfj]bg k|fKt x'g cfPdf ;Dk"0f{ b/vf:tnfO{ /2 ul/g]5 .
!!= lwtf]kq vl/bsf nflu b/vf:t lbbfFsf] cj:yfdf jf b/vf:t lbO{;s]kl5 vl/b u/]sf] lwtf]kq jfktsf] /sd
e'QmfgL gx'b} k|rlnt sfg'g adf]lhd clwsf/ k|fKt clwsf/L jf lgsfoaf6 nufgLstf{sf] vftf /f]Ssf /fVg] cfb]z
k|fKt ePdf lgisfzg tyf laqmL k|aGwsn] To:tf] b/vf:t kmf/fdnfO{ cfb]z adf]lhd ul/g]5 .
!@= lwtf]kq afF8kmfF8 ug'{k"j{ clVtof/ k|fKt lgsfoaf6 s'g} nufgLstf{sf] vftf /f]Ssf /fVg cfb]z jf lgb]{z g k|fKt
ePdf ;DalGwt a}+s jf ljQLo ;+:yfn] To:tf] cfb]z jf lgb]{zg cg';f/ ;DalGwt nufgLstf{sf] vftf /f]Ssf u/L
To;sf] hfgsf/L t'?Gt lgisfzg tyf laqmL k|aGwsnfO{ lbg'kg]{5 .
!#= l;l8P; P08 lSnol/Ë lnld6]8af6 pknAw u/fOPsf] æd]/f] z]o/Æ ;ˆ6j]o/af6 klg cfj]bsn] cfj]bg ug{
;Sg]5g\ . To;sf nflu cfj]bsn] cfˆgf] lxtu|fxL vftfdf a}+s vftfsf] ljj/0f pNn]v ul/;s]sf] x'g'kg]{5 /
;DalGwt a}+s tyf ljQLo ;+:yfaf6 CRN g+= lnO{;s]sf] x'g'kg]{5 .
!$= z]o/ afF8kmfF8 u/L ;"rLs/0f eP kZrft\ afF8kmfF8df k/]sf cfj]bsx?nfO{ afF8kmfF8df k/]sf] z]o/ lghx?sf]
lxtu|fxL vftfdf hDdf ug]{ Joj:yf ul/g]5 .
u=!!= ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M
lgisfzgstf{ ;+ul7t ;+:yf / lgDg lnlvt kIf aLr ljut @ jif{sf] cjlwdf s'g} k|sf/sf] j:t'ut sf/f]af/ ePsf] jf s'g}
sf/f]af/ ug{ k|:tfj ul/Psf] eP sf/f]af/df ;+nUg JolQmx?sf] gfd, ltgLx?sf] ;+ul7t ;+:yf;Fusf] ;DaGw, sf/f]af/sf]
k|s[lt / /sd M
s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfnssf] ?kdf /x]sf] JolQm M sf/f]af/ gePsf] .
v_ cfwf/e"t z]o/wgL M sf/f]af/ gePsf] .
u_ v08 -s_ / -v_ df pNn]lvt s'g} JolQmsf] Psf3/ kl/jf/ ;b:o M sf/f]af/ gePsf] .
3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfns jf cfwf/e"t z]o/wgLn] #) k|ltzt jf ;f] eGbf a9L dtflwsf/ x'g]
u/L z]o/ :jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yf M ;f] gePsf] .
ª_ ;+ul7t ;+:yf jf To;sf] ;xfos sDkgLn] xfnsf] ;~rfns jf lghsf] Psf3/sf] kl/jf/sf] ;b:osf nflu s'g}
sf/f]af/ jf ;Demf}tf u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # jif{ cufl8sf] cjlwdf ;+:yfsf] ;~rfns jf
;~rfnssf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]af/ jf ;Demf}tf u/]sf] eP ;f] s'/f M s'g} sf/f]af/ jf ;Demf}tf
u/]sf] 5}g .
r_ s'g} ;~rfns jf ;~rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP pQm C0f ;DaGwL
lj:t[t ljj/0f h:t} C0f jfkt lnPsf] /sd, C0fsf] Aofhb/, C0f lnPsf] ldlt, C0f e'QmfgL cjlw cflb s'/f
ljj/0fkqdf v'nfpg' kg]{ M s'g} C0f sf/f]af/ u/]sf] 5}g .
u=!@= ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f M ;f] gePsf] .
u=!#= ;"lrs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] sf] ljj/0f M
-s_ ;+ul7t ;+:yfsf] ljut # cfly{s jif{sf] k|To]s q}dfl;s cjlwsf] pRrtd, Go"gtd, clGtd ahf/ d"Nosf ;fy} sf/f]af/
ePsf] z]o/ ;+Vof M ;f] gePsf] .
-v_ af]8{df ljj/0fkq btf{sf] nflu k|:t't ug'{ eGbf ^ dlxgf cufl8sf] cjlwsf] dfl;s ?kdf pRr, Go"g / clGtd d"Nosf
;fy} k|To]s dlxgfdf sf/f]af/ ePsf] s'n lbg / s'n sf/f]af/ ePsf] lwtf]kqsf] ;+Vof M ;f] gePsf] .
u=!$= kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M ;f] gePsf] .
u=!%= k/fdz{bftf÷ljz]if1 ;DaGwL ljj/0f M
s_ n]vfk/LIfs, k|d'v a}+s, lgisfzg sfo{;Fu ;+nUg a}+s, k|If]lkt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1 cflbsf] gfd
tyf 7]ufgf M
c_ n]vfk/LIfs M o; sDkgLsf] cfly{s jif{ @)&*÷)&( sf] n]vfk/LIf0f hf]zL P08 e08f/L, rf6{8{ PsfpG6]G6;\, af6
ul/Psf] xf] .
cf_ lgisfzg a}+s (Banker to the Issue): lgisfzgsf] nflu b]xfosf] a}+snfO{ lgisfzg a}+s (Banker to the Issue) sf]
?kdf lgo'Qm ul/Psf] 5 .
qm=;+= lgisfzg a}ssf] gfd, 7]ufgf a}+s vftf gDa/
! >L g]kfn OGe]i6d]06 d]uf a}+s lnld6]8, nflhDkf6, sf7df08f} . 03601040267182
42
O_ ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1 M o; ljj/0fkqdf pNn]v ul/Psf] ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1df
sDkgL cfkm} /x]sf] 5 .
O{_ ljQLo k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1 M o; ljj/0fkqdf
pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ;f] cfwf/df
tof/ ul/Psf ljQLo k|If]k0fsf ljj/0f oyfy{k/s /x]sf] egL k|dfl0ft ug]{ ljz]if1df s]=Pd=o'=P08 Pzf]l;o6\;, rf6{8{
PsfpG6]G6;\ /x]sf] 5 .
v_ dfly v08 -s_ df pNn]lvt ;+:yf jf JolQm;Fu ePsf] ;xdltsf d'Vo–d'Vo a'Fbf tyf zt{x? M ;f] gePsf] .
u=!^= cfof]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisfzg afx]s cGo ljQLo >f]tx? k|of]u ul/Psf] 5÷5}g, tT;DaGwL ljj/0f M
nfu" gx'g] .
u=!&= d'2f tyf ljjfb ;DaGwL ljj/0f M
s_ ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;+rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2fdfldnf jf ljjfb eP ;f] ;DaGwL
ljj/0f tyf pk/f]Qm d'2f jf ljjfbsf] sf/0faf6 kg{ ;Sg] k|efj ;DaGwdf Joj:yfkgsf] wf/0ff M ;f] gePsf] .
v_ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;~rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL ljj/0fM ;f] gePsf] .
u_ ljut kfFr jif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;~rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf cfly{s sf/0faf6 s'g}
lgodg lgsfo jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;~rfnssf] gfd / ;hfo ug]{ lgodg lgsfo jf cbfntsf] gfd
pNn]v ug'{ kg]{ M ;f] gePsf] .
3_ ;+ul7t ;+:yf a}+s jf ljlQo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf], lwtf]kqjfnfx?sf] s'g}
/sd e'QmfgL gul/Psf] eP tT;DaGwL ljj/0fx? M ;f] gePsf] .
u=!*= u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M o; ;fj{hlgs lgisfzg ;DaGwdf nufgLstf{x?sf] u'gf;f] tyf ;'emfj ;'Gg / ;f] sf]
;dfwfgsf nflu lwtf]kq lgisfzg tyf laqmL k|aGws PgcfOPdla P; Soflk6n lnld6]8, nflhDkf6, sf7df8f}+df Pp6f
5'§} sIfsf] Joj:yf ul/Psf] 5 . s'g} klg nufgLstf{n] o; lgisfzg;Fu ;DalGwt ljifodf s'g} u'gf;f] jf ;'emfjsfnflu
cg'kfng clws[t >L ;'efif kf}8]n Ho"nfO{ lghs} sfo{sIfdf jf lghnfO{ sfof{no ;do leq )!–$$@%@*) -PS;6]GzgM
$!^_ df ;Dks{ ug{ ;lsg]5 .
u=!(= gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, vl/b ul/Psf] ;DklQ jf ;]jf ;DaGwL
ljj/0f, lgisfzg ul/Psf] lwtf]kqsf] ;+Vof / b/ ;DaGwL ljj/0f M ;f] gePsf] .
u=@)= C0fkq lgisfzg ;DaGwL ljj/0f M xfn;Dd sDkgLn] s'g} C0fkq hf/L u/]sf] 5}g .
u=@!= cu|flwsf/ z]o/ lgisfzg ;DaGwL Joj:yf M xfn;Dd sDkgLn] cu|flwsf/ z]o/ hf/L u/]sf] 5}g .
u=@@= cGo ;fdfGo hfgsf/L M
s_ ljz]if1sf] s'g} /fo ePdf, ;f] sf] ljj/0f M o; ljj/0fkqdf pNn]lvt ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf
cfwf/x? xfnsf] aLdf 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 s]=Pd=o'=P08 Pzf]l;o6\;, rf6{8{ PsfpG6]G6;\,
s'kG8f]n, nlntk'/n]] k|dfl0ft u/]sf] 5 .
v_ ut tLg cfly{s jif{ leqdf s'g} ;~rfns, n]vfk/LIfs kl/jt{g ePsf] eP ;f] sf] sf/0f M ut tLg cfly{s jif{leqdf
;~rfns tyf n]vfk/LIfs kl/jt{g ePsf] ljj/0f :
qm= ;+= ;~rfnssf] gfd kb s}lkmot
ldlt @)&*÷)(÷!^ df ;~rfns kbaf6
!= >L lbk k|sfz kf08] ;~rfns
lbg' ePsf] /flhgfdf :jLs[t ePsf] .
ldlt @)&(÷)$÷)^ df kbfjlw ;dfKt
@= >L OGb| k|;fb sdf{rfo{ :jtGq ;~rfns
ePsf] .
ldlt @)&(÷)$÷)^ df ;DkGg ljz]if
#= >L k|bLk hË kf08] cWoIf
;fwf/0f ;efaf6 lgjf{lrt x'g' ePsf] .
$= >L ;'ldt s'df/ cu|jfn ;~rfns
%= >L dgf]h sfsL{ ;~rfns
^= >L dx]z :jf+/ ;~rfns
&= >L bfjf km'6L z]kf{ ;~rfns ldlt @)&(÷)^÷@$ df lgo'Qm x'g' ePsf] .
*= >L clegj h=a= /f0ff ;~rfns ldlt @)&(÷)^÷@$ df lgo'Qm x'g' ePsf] .
(= >L >Ldfg sfsL{ :jtGq ;~rfns ldlt @)&(÷!)÷!) df lgo'Qm x'g' ePsf] .
43
qm= ;+= n]vfk/LIfssf] gfd kb s}lkmot
lgoldt n]vfk/LIfs b]jsL ljho P08
!= b]jsL ljho P08 sDkgL AffXo n]vfk/LIfs sDkgL, rf6{8{ PsfpG6]G6n] cfly{s jif{
@)&^÷)&& ;Dd n]vfk/LIf0f u/]sf] .
u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M sf=lh=sf=d=g=kf= j8f g+= @(, l8NnLahf/ a:g' x'g] Joj:yfkgdf :gfts
tx ;Ddsf] z}lIfs of]Uotf xfl;n ug{' ePsf o; sDkgLsf gfoa dxfk|aGws >L lbk axfb'/ lj=;L= nfO{ sDkgL
;lrjsf] lhDd]jf/L lbOPsf] 5 .
3_ ;fj{hlgs lgisfzg ug{sf] nflu ;~rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M sDkgLsf] ldlt @)&(÷!!÷!&
ut] a;]sf] ;~rfns ;ldltsf] ()cf}+ a}7saf6 ;j{;fwf/0fx?nfO{ 5'§ofPsf] c+lst d"No ?= !,!@,%),)),)))÷– /sd
a/fa/sf] !!,@%),))) lsQf ;fwf/0f z]o/ lk|ldod ;lxt k|lt lsQf ?=@$$÷– df ;j{;fwf/0fx?df -sDkgLdf sfo{/t
sd{rf/Lsf] xsdf k|lt lsQf ?=!))÷–_ lgisfzg ug{sf nflu PgcfOPdla P; Soflk6n ln= nflhDkf6, sf7df08f}+nfO{
lgisfzg tyf laqmL k|aGws lgo'Qm ug]{ lg0f{o ePsf] 5 .
ª_ ;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if s/ ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M ;f] gePsf] .
r_ ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfkl/If0f ePsf] jf;nft, gfkmf gf]S;fg lx;fa / gub k|jfx ljj/0f k|fKt
ug{ jf x]g{ ;Sg] 7fpF / ;do M sDkgLsf] kl5Nnf] cfly{s jif{sf] n]vfkl/If0f ePsf] jf;nft, gfkmf gf]S;fg lx;fa /
gub k|jfx ljj/0f sfof{no ;doleq sDkgLsf] /lhi68{ sfof{no, sf7df08f} dxfgu/kflnsf-!!, Pn= P; sDKn]S;,
yfkfynL, sf7df08f} / lwtf]kq lgisfzg tyf laqmL k|aGws PgcfOPdla P; Soflk6n lnld6]8, nflhDkf6,
sf7df08f}+df ;Dks{ /fvL k|fKt ug{ jf x]g{ ;lsg]5 .
5_ af]g; z]o/ ;DaGwL Joj:yf M M xfn ;Dd af]g; z]o/ hf/L ul/Psf] 5}g . eljiodf k|rlnt P]g / g]kfn lwtf]kq
af]8{sf] k|rlnt af]g; z]o/ lgisfzg ;DaGwL Joj:yf cg';f/ af]g; z]o/ hf/L ug{ ;lsg]5 .
h_ z]o/jfnf, sd{rf/L jf c? s;}sf] nflu z]o/ ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M
o; ljj/0fkq dfk{mt lgisfzg ul/g] k|lt z]o/ ?=!))÷– c+lst d"Nodf ?=!,!@,%),)),)))÷– -cIf/]kL Ps ca{ afx|
s/f]8 krf; nfv_ /sd a/fa/sf] !,!@,%),))) lsQf dWo]sf] % k|ltztn] x'g] %,^@,%)) lsQf z]o/ k|lt z]o/
?=!))÷– clÍt b/df sd{rf/Lx?sf] nflu / afFsL !,)^,*&,%)) lsQf z]o/ k|lt z]o/ ?=!))÷– clÍt b/df lk|ldod
jfkt ?=!$$÷– yk u/L hDdf k|lt z]o/ d"No ?=@$$÷– df ;j{;fwf/0fnfO{ ;fj{hlgs lgisfzg ul/Psf] . h;dWo]
!)Ü cyf{t !!,@%,))) lsQf ;fwf/0f z]o/ lwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$ -;ftf} ;+zf]wg ;lxt_
sf] bkmf $-v_ df ePsf] Joj:yf cg';f/ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 >d :jLs[lt k|fKt u/L ljb]zdf a;L
/f]huf/ ul//x]sf g]kfnLx?sf nflu, ;j{;fwf/0fdf lgisfzg ul/g] z]o/sf] % k|ltztn] x'g] %,^@,%)) lsQf z]o/
;fd"lxs nufgL sf]ifsf nflu ;'/lIft ul/Psf] . sfof{nosf sd{rf/L, j}b]lzs /f]huf/Ldf /x]sf g]kfnL tyf ;fd"lxs
nufgL sf]ifx?nfO{ 5'6\ofO{Psf] ;Dk"0f{ z]o/ afF8kmfF8 u/] kZrft\ afFsL /x]sf] z]o/x? ;j{;fwf/0fx?sf nflu lgisfzg
ul/Psf] .
em_ sDkgLn] sDkgL P]gn] u/]sf Joj:yfx?, cfˆgf] sf/f]af/;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf k"0f{ kfngf
u/]sf] ;DaGwdf u/]sf] pb\3f]if0f M sDkgLn] sDkgL P]g, @)^# n] u/]sf] Joj:yfx?, cfkm"n] ug]{ Joj;fo;Fu ;DalGwt
P]g, lgod tyf lgodg Joj:yf tyf lgodg lgsfox?n] lbPsf] lgb]{zgx?sf] k"0f{ ?kdf kfngf u/]sf] 5 / ;f]xL
lgb]{zgx?sf] bfo/f leq /xL sfo{ ul//x]sf] / o; ljj/0fkqdf pNn]v ul/Psf] ljj/0fx? ;d]t ;f]xL cg'?k tof/
ul/Psf] xf] eGg] sDkgLsf] pb\3f]if0f /x]sf] 5 . ;fy} o; sDkgLn] sDkgL /lhi6«f/sf] sfof{nodf cfly{s jif{ @)&*÷)&(
;Ddsf] ljj/0f k]z u/]sf] x'gfn] pQm cfly{s jif{;Dddf o; sDkgL sDkgL /lhi6«f/sf] sfof{nodf cBfjlws /x]sf] /
;f] Joxf]/fsf] hfgsf/L sDkgL /lhi6«f/sf] sfof{nosf] ldlt @)*)÷)!÷@(, r=g+=*@!@%÷&(÷*) sf] kqaf6 k|fKt
ePsf] 5 .
`_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M o; ljj/0fkq dfkm{t lgisflzt ;fwf/0f z]o/ laqmL ljt/0fsf nflu g]kfn
lwtf]kq af]8{af6 Ohfhtkq k|fKt cf:af ;b:o a}+s tyf ljQLo ;+:yfx? tyf ltgsf tf]lsPsf] zfvf sfof{nox?af6
cfj]bg lbg ;Sg] Joj:yf ul/Psf] 5 .
6_ qm]l86 /]l6Ë ;DaGwL Joj:yf M o; ljj/0fkq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/sf] nflu lwtf]kq btf{ tyf lgisfzg
lgodfjnL, @)&# -rf}yf] ;+zf]wg ;lxt_ df ePsf] Joj:yf adf]lhd sDkgLsf] O:o"/ /]l6Ë u/fpg' kg]{ ePsf]n] æqm]l86
/]l6Ë lgodfjnL, @)^*Æ sf] lgod # adf]lhd g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt qm]l86 /]l6Ë ;+:yf O{qmf g]kfn
lnld6]8af6 ldlt @)*)÷)@÷@^ -;g\ @)@#, h'g )(_ df "[ICRANP-IR] BBB" (Pronounced ICRA NP Issuer
Rating BBB) k|df0fkq k|fKt u/]sf] 5 . h;n] sDkgLsf] ljQLo bfloTj ;dodf g} k'/f ug]{ ;DaGwdf dWod ?kdf
;'/lIft /x]sf]] (Moderate degree of safety regarding timely servicing of financial obligations) eGg] dflgG5 . pQm
/]l6Ësf] j}wtf Ps jif{ cyf{t ldlt @)*!÷)@÷@% -;g\ @)@$, h'g )&_ ;Dd axfn /xg] 5 . O{qmf g]kfn lnld6]8n]
[ICRANP-IR] AAA b]lv [ICRANP-IR] D ;Ddsf] /]l6Ë k|bfg ub{5 h;df u]|8 [ICRANP-IR] AAA n] alnof] cfwf/
hgfpF5 eg] [ICRANP-IR] D n] sdhf]/ cfwf/ hgfpF5 . /]l6Ë ;+s]t k5fl8 /xg] ± -hf]8_ jf – -36fp_ lrGxn]
;DalGwt /]l6Ë ju{ leqsf] t'ngfTds l:ytLnfO{ hgfpFb5 .
7_ ljj/0fkq tof/ ug]{ JolQmsf] gfd, y/, z}lIfs of]Uotf / cg'ejsf] ljj/0f M o; ljj/0fkq tof/ kfg]{ Joj;flos
;+:yfdf lgisfzg tyf laqmL k|aGws PgcfOPdla P; Soflk6n lnld6]8, nflhDkf6, sf7df08f} /x]sf] 5 .
44
8_ ;sf/fTds kIfx? M
!= b]zsf] cg'ejL tyf bIf JolQmx?åf/f :yflkt ePsf]n] o; sDkgLsf] Joj:yfkg ;Ifd tyf k|efjsf/L ePsf],
@= :yfkgfsfn b]lv g} k"0f{ sDKo'6/Ls[t k|ljlwaf6 aLdf Joj;fo ;]jf k|bfg ub}{ cfO/x]sf],
#= l56f] 5l/tf] bfaL e'QmfgL ug{ ;Ifd,
$= sDkgLsf] ;~rfns ;ldlt / Joj:yfkgdf /x]sf] cGt/f{li6«o, /fli6«o tyf :yfgLo :t/sf] 1fg / cg'ej,
%= gLltut kf/blz{tf / alnof] ;+:yfut ;'zf;g,
^= ;fdflhs lhDd]jf/L / bfloTj .
9_ z]o/ /lhi6«f/ ;DaGwL Joj:yf M g]kfn :6s PS;r]Gh lnld6]8df ;"rLs/0f u/] kZrft\ z]o/sf] bflvn vf/]h, b:tvt
?h' cflb ;DaGwL sfo{ o; sDkgLsf] sfof{noaf6 jf sDkgLsf] ;~rfns ;ldltn] tf]s] adf]lhd z]o/ /lhi6«f/sf]
sfof{noaf6 x'g] u/L Joj:yf ul/g]5 .
0f_ lwtf]kq laqmL v'Nnf cjlw M o; ljj/0fkq dfkm{t k|yd r/0fdf g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 >d :jLs[lt
k|fKt u/L ljb]zdf a;L /f]huf/ ul//x]sf g]kfnLx?sf nflu !% lbg cfj]bg v'Nnf u/L afF8kmfF8 u/L bf]>f] r/0fdf
;j{;fwf/0fsf nflu z]o/ lgisfzg v'Nnfsf] cfXjfgkq k|sflzt ul/Psf] . ;j{;fwf/0fsf] nflu cfj]bg lbg] cjlw
sDtLdf $ sfo{ lbg / a9Ldf !% lbg x'g]5 .
u=@#= o; ljj/0fkqdf k|sflzt tYo tyf ljj/0fx? 7Ls b'?:t 5g, ;f]df s'g} km/s k/]df xfdL ;~rfnsx? k"0f{ ?kdf
lhDd]jf/ x'g]5f}+ egL ;xL 5fk ug]{ ;~rfns tyf lj1x?sf] gfd tyf b:tvt M
qm=;+= ;~rfnsx?sf] gfd Kfb b:tvt
!= k|bLk hË kf08] cWoIf
@= ;'ldt s'df/ cu|jfn ;~rfns
#= dgf]h sfsL{ ;~rfns
$= dx]z :jfF/ ;~rfns
%= bfjf km'6L z]kf{ ;~rfns
^= clegj h=j=/f0ff ;~rfns
&= >Ldfg sfsL{ :jtGq ;~rfns
45
u=@$= lgisfzg tyf laqmL k|aGwsn] k|:t't u/]sf] k|ltaåtf kq (Due Diligence Certificate) sf] k|lt M
46
u=@%= ljj/0fkq, ljlQo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;DaGwL kq M
47

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-sDkgL P]g, @)^# cGtu{t :yflkt aLdf P]g, @)&( adf]lhd sfd sf/f]af/ ug{ Ohfhtkq k|fKt_

l;l6hg nfOkm OG:of]/]G; sDkgL lnld6]8

v=@= ljj/0fkq tyf b/vf:t kmf/fd k|fKt ug]{ / a'emfpg] :yfg M

qm=;+= b/vf:t kmf/fd k|fKt ug]{ / a'emfpg] :yfg M

u=@= ;+ul7t ;+:yfsf] pb\3f]if0f M

v l;l6hg afn eljio hLjg aLdf of]hgf 2,078,676,278 530,997,338

u l;l6hg z'ef/De aLdf of]hgf 4,404,323,503 1,644,701,402

3 l;l6hg clu|d e'QmfgL aLdf of]hgf 267,389,585 79,138,101

ª l;l6hg jflif{s clu|d e'QmfgL aLdf of]hgf 4,753,231,625 1,191,303,737

r l;l6hg ;fd'lxs DofbL aLdf of]hgf 33,721,825 3,677,275

5 l;l6hg ;fd'lxs DofbL hLjg aLdf of]hgf 206,032,455 40,081,417

h j}b]lzs /f]huf/ DofbL hLjg aLdf 970,121,999 187,954,526

em l;l6hg ;'/Iff of]hgf 1,182,431,352 463,141,583

hDdf 17,209,518,572 4,839,835,869

z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft\_ M

;~rfnsx?sf] ljj/0f -gfd, 7]ufgf / u|x0f u/]sf] z]o/ :jfldTj_M

sDkgL P]g adf]lhd ldlt

sDkgL P]g, 2063 adf]lhd :yflkt

@= aL=aL= Pc/j]h k|f= ln= (TBI Group)

gfkmf–gf]S;fg lx;fa -cfiff9 #@, @)&(_

cGo lj:t[t cfo -cfiff9 #@, @)&(_

gub k|jfx ljj/0f -cfiff9 #@, @)&(_

O{SjL6Ldf kl/jt{g lx;fa

:yug s/ sf]ifdf - - - - - (228,191,504) - - 228,191,504 -

aLdf s/f/ bfloTjdf - - - - - - - - - -

c;f/ d;fGt;Ddsf] 1,750,000,000 - - - 125,750,988 477,196,178 33,245,610 (18,060,131) 649,473,096 3,017,605,741

Gffkmf gf]S;fg lx;fa

cGo lj:t[t cfo

gub k|jfx ljj/0f

bfloTj / z]o/wgLsf] sf]if

gfkmf–gf]S;fg lx;fa -r}q d;fGt @)&(_

gub k|jfx ljj/0f -r}q d;fGt @)&(_

bfloTj / z]o/wgLsf] sf]if

Gffkmf gf]S;fg lx;fa

cGo lj:t[t cfo

gub k|jfx ljj/0f

nufgL ultljlwaf6 gub k|jfx

ljQLo >f]t sf/f]af/af6 gub k|jfx

;Dk"0f{ ultljlwaf6 v'b gub k|jfx -s v u_ (161,968) (30,821) (28,324)

O{SjL6Ldf kl/jt{g lx;fa

@= ;'ldt s'df/ cu|jfn ;~rfns

#= dgf]h sfsL{ ;~rfns

$= dx]z :jfF/ ;~rfns

%= bfjf km'6L z]kf{ ;~rfns

^= clegj h=j=/f0ff ;~rfns

&= >Ldfg sfsL{ :jtGq ;~rfns

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