;ftf}jflif{s ;fwf/0f...

$: ;ftf}jflif{s ;fwf/0f ;efsf];rgfgilb.com.np/wp-content/uploads/2019/11/Fiscal-Year-2075-76_compr… · ;fwf/0f ;ef ;DaGwL yk hfgsf/L != jflif{s ;fwf/0f ;efsf] k|of]hgsf] nflu ldlt$

;ftf} jflif{s ;fwf/0f ;efsf] ;"rgf -k|yd k6s k|sflzt M @)&^.&.!*, cGgk"0f{ /fli6«o b}lgs_

>L z]o/wgL dxfg'efj, o; n3'ljQ ljQLo ;+:yfsf] ldlt @)&^÷)&÷)!& ut] cfOtaf/ a;]sf] ;+rfns ;ldltsf] !)#cf}+ a}7ssf] lg0f{o adf]lhd o; sDkgLsf] ;ftf}+ jfli{fs ;fwf/0f ;ef lgDglnlvt ldlt, ;do / :yfgdf lgDGf ljifox?df 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf sDkgL P]g, @)^# sf] bkmf ^& cg';f/ ;Dk"0f{ z]o/wgL dxfg'efjx?sf] hfgsf/Lsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 .

;ef x'g] ldlt,;do / :yfgM ldlt M @)&^ ;fn d+l;/ ( ut] ;f]daf/, -tb\ cg';f/ @% gf]e]Dj/, @)!(_ ;do M ljxfgsf] l7s !!M)) ah] :yfg M u]6 j] lxdfno l/;f]6{, a];Lzx/–(, ndh'ª,

5nkmnsf ljifox? M -s_ ;fwf/0f k|:tfjx?

!= cfly{s jif{ @)&%÷&^ sf] ;~rfns ;ldltsf] jfli{fs k|ltj]bg pk/ 5nkmn u/L kfl/t ug]{ . @= n]vfk/LIfssf] k|ltj]bg ;lxtsf] cf=j= @)&%÷&^ sf] cfiff9 d;fGt;Ddsf] jf;nft, ;f] cf=j= sf] gfkmf

gf]S;fg lx;fa, gfkmf gf]S;fg afF8kmfF8 lx;fa, OSjLl6df ePsf] kl/jt{g tyf ;f]xL cjlwsf] gub k|jfx ljj/0f / n]vf ;DaGwL gLltx? tt\;DaGwL cg';'rLx? pk/ 5nkmn u/L kfl/t ug]{ .

#= ;+rfns ;ldltaf6 k|:tfj ul/Psf] #% k|ltzt jf]g; z]o/ ljt/0f ubf{ nfUg] jf]g; z]o/sf] s/ k|of]hgfy{ ?= @),#$,&$#.$@ gub nfefFz /sd kfl/t ug]{ .

$= sDkgLsf] cf=j= @)&^÷&& sf] nflu n]vfk/LIf0f sfo{sf nflu n]vfk/LIf0f ;ldltn] l;kmfl/; u/] adf]lhd n]vfk/LIfs lgo'lQm ug]{ -jt{dfg n]vfk/LIfs e§ P08 sDkgLsf rf66{ PsfpG6]06, >L o1/fh e§nfO{ sDkgL P]g, @)^# sf] bkmf !!! adf]lhd k'gM lgo'Qm x'g of]Uo x'g'x'g]5_ / lghsf] kfl/>lds lgwf{/0f ug]{ .

-v_ ljz]if k|:tfjx? != ;+rfns ;ldltn] l;kmfl/; u/] adf]lhd cf=j= @)&%÷&^ cfiff9 d;fGtdf sfod /x]sf] r'Qmf k"FhL ?=

!!,)$,%&,%)).– -cIf?kL P3f/ s/f]8 rf/ nfv ;GtfjGg xhf/ kfFr ;o dfq_ sf] #% k|ltztn] x'g] af]g; z]o/ cyf{t ?= #,*^,^),!@%.– -cIf]?kL tLg s/f]8 5of;L nfv ;f7L xhf/ Ps ;o klRr; dfq_ a/fa/sf] af]g; z]o/ hf/L ug]{ k|:tfj l:js[t ug]{ .

@= sDkgLsf] clws[t kF"hL a[l4 ug]{ . #= ;~rfns ;ldltsf] l;kmfl/; adf]lhd !M! a/fa/sf] xsk|b z]o/ hf/L ug]{ . $= ;~rfnsx?sf] a}7s eQf, b}lgs e|d0f eQf tyf e|d0f vr{ k'g/fjnf]sg ug]{ . %= ;+:yfn] Ps jf Ps eGbf a9L pko'Qm n3' ljQLo ;+:yfx? ufEg]÷ufleg] tyf k|flKt ug]{ k|of]hgsf nflu

pko'Qm n3' ljQLo ;+:yfx? Kflxrfg ug]{, ;dembf/Lkqdf x:tfIf/ ug]{ ;f]sf cfwf/df ;}åflGts :jLs[ltsf nflu g]kfn /fi6« a}+s ;dIf lgj]bg lbg], ;DkQL tyf bfloTjx?sf] d"Nofs+g ug{ k/fdz{bftf, d"Nofs+gstf{ lgo'lQm ug]{ nufotsf cfjZos sfo{x? ug{ u/fpg ;~rfns ;ldltnfO{ ;Dk"0f{ clVtof/L k|bfg ug]{ .

^= sDkgLsf] clws[t k"FhL a[l4, af]g; z]o/ tyf xsk|b z]o/ hf/L cflb sf/0faf6 k|aGwkqsf] bkmf ^ sf] -s_, -v_, -u_ ;+zf]wg ug]{]{ / lgodfjlnsf] lgod #@ sf] ! -v_ / -u_ adf]lhd ;~rfnssf] a}7s eQf tyf e|d0f eQf a[l4 cflbsf sf/0f lgodfjnLsf ;Dj4 lgodx? ;+zf]wg ug]{ .

&= k|aGwkq tyf lgodfjnLsf] ;+zf]wg kZrft sDkgL /lhi6f/sf] sfof{no, g]kfn lwtf]kq af]8{ nufotsf lgodsf/L lgsfoaf6 cfjZostfg';f/ ;f]df s'g} yk36, kl/dfh{g tyf ;Rofpgsf] nflu ;'emfj jf lgb]{zg lbPdf ;f]xL cg';f/ cfjZos ;Dk"0f{ sfo{ ug{ ;+rfns ;ldltnfO{ clVtof/L k|bfg ug]{ .

-u_ ljljw . ;~rfns ;ldltsf] cf1fn]

sDkgL ;lrj

;fwf/0f ;ef ;DaGwL yk hfgsf/L

!= jflif{s ;fwf/0f ;efsf] k|of]hgsf] nflu ldlt @)&^.&.@% ut] z]o/ btf{ lstfj aGb /xg]5 . ;fy} pQm ldlt eGbf cufl8 g]kfn :6s PS;r]~h lnld6]8df sf/f]jf/ eO{ bflvn vf/]h x'g afFsL /x]sf sf/f]jf/x? ldlt @)&^.*.# ut] leq o; sDkgLsf] z]o/ /lhi6«f/ Unf]an cfOPdO{ Soflk6n ln= hdn, sf7df08f} df gfd;f/Lsf] nflu k|fKt x'g cfPsf] clen]vsf cfwf/df sfod x'g] z]o/wgLx?n] ;fwf/0f ;efdf efu lng, dtbfg ug{ tyf af]g; lngsf] nflu of]Uo /xg]5g .

@= ;efdf efu lng] k|To]s z]o/wgL dxfg'efjn] ;efsf] lbg ;ef x'g] :yfgdf pkl:yt e} ToxfF /x]sf] xflh/L k'l:tsfdf b:tvt ug'{kg]{5 . xflh/L k'l:tsf ;fwf/0f ;ef x'g] lbgsf] ljxfg !)M)) ah]b]lv v'Nnf /xg]5 .

#= s'g} z]o/wgL ;efdf :jo+ pkl:yt x'g g;Sg] ePdf ;efdf efu lng jf dtbfg ug{sf] nflu k|ltlglw -k|f]S;L kmf/fd_ e/L ;+:yfsf] /lhi6«f/sf] sfof{no a];Lzx/ ndh'ªdf ;ef z'? x'g' eGbf slDtdf $* 306f cufl8 lgj]bg btf{ u/L ;Sg'kg]{5 . o;/L k|ltlglw -k|f]S;L_ lgo'QmL ul/Psf] JolQm o; ;+:yfsf] z]o/wgL x'g' cfjZos 5 . k|ltlglw -k|f]S;L_ lgo'Qm u/L ;Sg' ePsf z]o/wgL cfFkm} ;efdf pkl:yt eO{ xflh/L lstfadf b:tvt ug'{ ePdf cl3 lbOPsf] k|f]S;L ab/ x'g]5 .

$= ;fwf/0f ;efdf pkl:yt\ x'Fbf z]o/wgL dxfg'efjx?n] cfkm\gf] kl/ro v'Ng] xLtu|fxL vftf vf]lnPsf] l8Dof6÷z]o/ k|df0fkq jf gful/stf jf cGo sfuhft ;ef x'g] lbg clgjfo{ ?kdf ;fydf lnO{ cfpg x'g cg'/f]w 5 .

%= sDkgL P]g @)^# sf] bkmf *$ cg';f/sf]] jflif{s k|ltj]bg, n]vfk/LIfssf] k|ltj]bg ;lxtsf] jf;nft, gfkmf gf]S;fg lx;fa / ;f];Fu ;DalGwt cg';'lrx? ;d]tsf] k'l:tsf o; ljQLo ;+:yfsf] s]Gb|Lo sfof{no a];Lzx/ gu/kflnsf j8f g+=—)*, a];Lzx/ ndh'ªsf] ;fwf/0f ;efsf] ;lrjfnoaf6 tyf ;fwf/0f ;ef :ynaf6 ;d]t k|fKt ug{ ;Sg' x'g]5 . ;fy} pQm k|ltj]bg o; ;+:yfsf] j]e;fO6 http://www.gilb.com.np af6 x]g{ ;Sg] Joj:yf ldnfOg]5 .

^= z]o/wgLaf6 p7]sf k|Zg, lh1f;f jf dGtJox?sf] ;DaGwdf ;~rfns ;ldltsf] tkm{af6 cWoIf jf cWoIfaf6 cg'dlt k|fKt JolQmn] JolQmut jf ;fd"lxs ?kdf pQ/ lbg ;Sg]5g\ .

&= yk hfgsf/Lsf nflu ;+:yfsf] s]Gb|Lo sfof{no a];Lzx/, ndh'ªdf sfof{no ;do leq ;Dks{ /fVg x'g cg'/f]w 5 .

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf ln=

sf]

;ftf}+ jflif{s ;fwf/0f ;efdf pkl:yltsf] nflu

k|j]z–kq

!_ z]o/wgLsf] gfd M

@_ 7]ufgf M

#_ z]o/wgL g+=÷lxtu|fxL vftf g+= M

$_ lnPsf] z]o/ ;+Vof M

%_ z]o/wgLsf] b:tvt M

of] k|j]z kq ;fwf/0f ;efdf efu lng cfpFbf k]z ug'{kg]{5 .

-b«i6JoM of] lgj]bg ;fwf/0f ;ef x'g eGbf sDtLdf $* 306f cufj} sDkgLsf] /lhi68{sf] sfof{nodf k]z u/L;Sg' kg]{5 ._

============================

sDkgL ;lrj

k|F]S;L lgo'Qm kmf/fd>L ;+rfns ;ldlt

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf ln=

a];Lzx/, ndh'ª

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

================================== lhNnf, ============================================= g=kf=÷uf=kf= j8f g+= ====== a:g] d÷xfdL ================================================================================================ n]

To; sDkgLsf] z]o/wgLsf] x}l;otn] ldlt @)&^ ;fn d+l;/ ( ut] ;f]daf/sf lbg x'g] ;ftf}+ ;fwf/0f ;efdf :jo+

pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsfn] pQm ;efdf efu lng tyf dtbfg ug{sf nflu ============================

=========== lhNnf, =========================================== g=kf=÷uf=kf= j8f g+= ======== a:g] To; sDkgLsf z]o/jfnf >L ========================================================================================= nfO{

d]/f]÷xfd|f] k|ltlglw lgo'Qm u/L k7fPsf] 5'÷5f}+ .

k|ltlglw lgo'Qm ePsf] JolQmsf]

x:tfIf/sf] gd"gf M

z]o/wgL g+= M

lxtu|fxL vftf g+=

ldltM

lgj]bssf]

b:tvtM

gfdM

7]ufgfM

z]o/wgL g+=M

lxtu|fxL vftf g+=M

z]o/ ;+VofM

ljQLo emns

qm=;= ljj/0f )&#÷&$ )&$÷&% )&%÷&^

! z]o/kF'hL *,*!,$$,$)).– !!,)$,%&,%)).– @@,^%,@#,@&%.–

@ ;fwf/0f hu]8f sf]if ($,$%,%(&.– !,%$,$!,$*!.– $,@@,^^,&%^.–

# art , lgIf]k !^,#$,)#,&)*.– #^,)*,**,#@#.– *&,$^,&&,&&$.–

$ shf{ nufgL $$,%&,@&,(%!.– !,)*,^#,^(,#(@.– #,!*,*#,^*,&^!.–

% shf{ ;fk6 $@,(@,*^,@&%.– ((,$^,#&*#*.– @,%@,@*,%^,**$.–

^ s'n ;DkQL tyf bfloTj &!,##,!%,((*.– !,%!,&!,)!,^%@.– #,&#,!^,*#,%@#.–

& Jofh cfDbfgL *,^*,)@,$^&.– !$,$),&(,*(@.– #(,%*,*%,(#(.–

* cGo cfDbfgL &%,*&,%*).– @,$$,!),@%$.– *,%#,**,()%.–

( Jofh vr{ #,^$,&&,!@#.– *,^%,^&,!@!.– @%,@&,@*,*@@.–

!) sd{rf/L vr{ @,@&,%),)&$.– #,@$,@*,^)^.– &,!*,!(,*@$.–

!! cGo ;~rfng vr{ !,!&,$$,)$^.– @,)!,&%,@&@.– @,(!,^$,!%^.–

!@ ;~rfng d'gfkmf !,&%,!%,$@#.– @,$#,$^,^%%.– !),@^,$!,(!^.–

!# sd{rf/L jf]gz !%,(@,#!!.– @@,$(,&*@.– (&,#),#(@.–

!$ s/ Joj:yf %!,$),!@).– &@,)^,&&&.– #,)#,((,^$$.–

!% v'b d'gfkmf !,!),^%,)(#.– !,%&,!@,*$$.– ^,*!,*&,@@*.–

!^ gub nfefFz %,($,&#&.– &,%*,@*(.– @),#$,&$#.–

!& jf]gz z]o/ !,!#,)),))).– !,$$,)&,%)).– #,*^,^),!@%.–

!* ;b:o u|fxs @),*%* $),&^% &*,*%@

!( C0fL pBdL !),!*! @@,^!^ $*,*!$

@) sd{rf/L ($ !%( @%#

@! sfo{ If]q lhNNff -kx'Fr_ !% @% $%

@@ zfvf ;+Vof @% $) ^#

ljifo;"rL

kl/ro, b'/b[li6, Wo]o, nIo, p2]Zox?, d"No / dfGotfx? !

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

lwtf]kq btf{ tyf lgZsf;g;Fu ;DalGwt jflif{s k|ltj]bg !$

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

jf;nft @)

gfkmfgf]S;fg lx;fj @!

gfkmf gf]S;fg af“8kmf“8 lx;fj @@

gub k|jfx ljj/0f @#

O{lSj6Ldf ePsf] kl/jt{g @$

cg';"rLx? @%

k|d'v n]vf gLltx? $#

n]vf ;DaGwL l6Kk0fLx? $$

g]kfn /fi6« a}+ssf] lgb]{zg $*

g]=/f= a}+ssf] lgb]{zg pk/ ;+rfns ;ldltsf] k|ltpQ/ %)

k|aGwkq ;+zf]wg ;DaGwL tLg dxn] ljj/0f %@

;+:yfsf] ultljlw ;DaGwL t:jL/x? %%

;ftf}+ jflif{s k|ltj]bg – @)&%÷)&^1

kl/ro (Introduction):g]kfnsf u|fdL0f ;dfhdf /x]sf ljkGg tyf Go"g cfo >f]t ePsf ju{nfO{ cfTdlge{/, :jfjnDjL / r]tgzLn agfpFb}

pgLx?sf] cfly{s, ;fdflhs, ;fF:s[lts Pjd\\ dfgjLo ljsf;sf nIox? /fv]/ ;b:osf] hLjg:t/ a9fpFb} b]zdf

ljBdfg ul/aLnfO{ Go"lgs/0f ug]{ / b]zsf] cy{tGqnfO{ ;jn tyf ;'b[9 agfpg ;xof]u k'¥ofpg] kl/sNkgfsf ;fy

o; ljQLo ;+:yf ln= sDkgL P]g @)^# cGtu{t ldlt @)^( ;fn kmfNu'0f @$ ut] :yflkt / g]kfn /fi6« a+}saf6

@)&) h]7 ! ut] æ3Æ ju{sf] ljQLo ;+:yfsf] ?kdf Ohfht kq k|fKt u/L @)&) ;fn h]i7 % ut]b]lv ndh'ªsf]

a];Lzx/df s]Gb|Lo sfof{no :yfkgf u/L l/nfojn dfOqmf]kmfOgfG; ljQLo ;+:yf ln=sf] gfdaf6 !) lhNnf sfo{

If]q /xg] u/L Joj;fo z'ef/De u/L ljQLo sf/f]jf/ ;~rfngdf cfPsf] oxfFx?nfO{ cjut g} 5 .

o;/L ;+:yfsf] qmlds ?kdf ePsf] sf/f]af/sf] a[l4;Fu} ;:+yfsf] sfo{If]qnfO{ b]zJofkL ?kdf lj:tf/ ug]{ of]hgf / nIo

adf]lhd o; ;+:yfsf] z]o/wgL, ;~rfns ;ldlt tyf sd{rf/Lx?sf] cys k|of;af6 ;+:yfn] cfkm\gf] sfo{If]q qmdzM

ldlt @)&#.!!.@ ut]df !% lhNnf tyf ldlt @)&$.!).@@ df ;+:yfsf] gfd ;+zf]wg eO{ Unf]an cfOPdO{ n3'ljQ ljQLo

;+:yf ln= tyf $% lhNNff sfo{If]q x'Fb} ldlt @)&%.!).!& ut] g]kfn /fi6« a+}saf6 /fli6«o:t/ sfo{If]q ePsf] ljQLo

;+:yfsf] ?kdf l:js[tL k|fKt ePsf] xf] . o; ljQLo ;+:yf Unf]an cfOPdO{ a}s ln= sf] ;xfos sDkgL xf] . ljQLo

kx'Frjf6 al~rt /x]sfx?nfO{ nlIft u/L n3' ljQLo a+}lsË sfo{qmdsf dfWodaf6 :j/f]huf/Lsf cj;/x? l;h{gf

u/L cfo:t/df a[l4 ug]{ nIo lnOPsf] 5 . ;fy} o; ljQLo ;+:yfaf6 lagflwtf] ;fd'lxs hdfgLdf tyf lwtf] hdfgLdf

;d]t ;b:ox?nfO{ shf{ pknAw u/fO{ ;Lk Pjd\ s[lif k|fljlws ;]jf dfkm{t ;b:ox?nfO{ Jofj;fod'vL pBdL agfpg

æljkGg ju{sf] ;d[4 eljiosf] nIoÆ /fvL u|fdL0f If]qdf k'u]sf] hfgsf/L u/fpFb5f}+ .

!= kl/sNkgf (Vison): u|fdL0f ;d'bfodf Go"g cfo ePsf ljkGg ju{sf] cfo:t/ a[l4 u/L pgLx?nfO{ cfTdlge{/ u/fO{ ul/jL Go"gLs/0f

u/L b]zsf] cy{tGqnfO{ ;jn tyf ;'b[9 agfpg ;xof]u k'¥ofpg] .

@= Wo]o (Misson): ljkGg ju{sf] cfjZostfdf cfwfl/t u'0f:t/Lo, e/kbf]{ n3'ljQ ;]jf k|bfg u/L pgLx?sf] cfly{s tyf ;fdflhs

ljsf;sf] dfWodjf6 cfly{s ?kdf ;d[4 ;b:o lgdf{0f Pjd lj:tf/ ug]{ .

#= nIo (Goal): ;b:osf] cfly{s ;d[l4sf nflu sfo{ ug]{ .

;b:ox?df art ug]{ afgL a;fpg] .

shf{ pBd ug{ tyf cfo cfh{g ug{sf nflu dfq lng] r]tgf lbg] .

;b:ox?nfO{ pBdL aGg k|]/0ff lbg] .

;b:osf] cfly{s hLjg:t/ psf:g cfjZos ;Lk / k|ljlw Pjd\ k/fdz{ pknAw u/fpg] .

;d"xsf ;b:ox?nfO{ Jofj;flos s[lif ug]{ ;Lk k|bfg u/L cfo:t/ a[l4 ug]{ .

$= d'Vo p2]Zox? (Objectives):!_ ljQLo ;+:yfn] :jf:Yo k|lt:kwf{af6 ;j{;fwf/0fnfO{ u'0f:t/Lo tyf e/kbf]{ n3'ljQ ;DalGw ;]jf pknAw u/fpg] .

@_ g]kfn /fi6« a}+ssf] l:js[lt lnO{ ;j{;fwf/0faf6 lgIf]k l:jsf/ ug]{ / e'QmfgL lbg] .

#_ s[lif, pBf]u, ;]jf, Jofkf/ tyf cGo Joj;flos ?kn] ;DefJo b]lvPsf pTkfbgzLn Joj;fosf] :yfkgf,

ljsf;, lj:tf/ / Ifdtf Pjd\ pTkfbsTj a[l4sf nflu cfjZos n3'ljQ ;DaGwL ;fwg cfGtl/s tyf afXo

>f]taf6 h'6fO{ b]zsf] cf}Bf]lus, Jofkfl/s Pj+ s[lif If]qsf] ljsf;df ultzLntf Nofpg ;xof]u k'¥ofpg],

$_ pknAw ;Lk, >d tyf k"FhLnfO{ plrt kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg Pjd\ /f]huf/Ld"ns

Joj;fosf] :yfkgf, ;~rfng, ljsf;, lj:tf/ Pjd\ k|j4{g ug]{ / ;f] sfo{sf] nflu cfjZos ljQLo ;fwg,

k|fljlws tyf Joj:yfksLo k/fdz{ ;]jf, tflnd tyf k|ljlw pknAw u/fO{ ul/aL lgjf/0fsf nflu ;lqmo

?kdf ;+nUg eO{ ;xof]u k'¥ofpg] .

2 ;ftf}+ jflif{s k|ltj]bg – @)&%÷)&^

%_ n3'ljQ ;DaGwL ;]jfdf hf]lvd sd ub}{ n3'ljQ If]qsf] pbf/Ls/0fdf d2t k'¥ofpg], b]zsf] cy{tGqnfO{ ;jn tyf ;'b[9 agfpg ;xof]u k'¥ofpg] .

^_ b]zsf] ;du| ljQLo k|0ffnLk|lt ;j{;fwf/0fsf] ljZjf;gLotf clea[l4 ug{ ;xof]u k'¥ofpg] .

$= /0fgLltx? (Strategies): ;b:o x'gsf nflu ;d"xdf a:g'kg]{ . ;b:o eP kl5 dfl;s art clgjfo{ ug'{kg]{ . ;d"x k"j{ tflnd(PGT) lbOg] . PGT lnPsf ;b:osf] GRT ul/g] 3/b}nf]df g} ;]jf pknAw ul/g] . kf/bzL{ / l56f]5l/tf] ;]jf k|jfx ul/g] . shf{ lngsf nflu Joj;flos p2]Zosf] k|:tfj cfjZos x'g] . dlxnf, blnt hghftL / ljkGg ju{nfO{ k|fyldstf lbOg] . pBdL aGg rfxg] ;b:onfO{ shf{df k|yd k|fyldstf x'g] . n3'ljQ ;]jfsf nflu ljQLo cg'zf;gsf] cfjZos x'g] . ;fgf] shf{sf] nflu ;d"x hdfgL / 7"nf] shf{sf nflu lwtf] hdfgL . lgoldt ?kdf ;fFjf / Jofh ;dfg ls:tfdf a'emfpg kg]{ Joj:yf .

;Lk tyf 1fg lbP/ dfq shf{ lbg] Joj:yf .

^= cfwf/e"t d"No / dfGotfx? (Value & Norms): ul/a tyf ljkGgn] klg art ug{ ;S5g . ljkGg klg OdfGbf/ x'G5g, plgx? klg ljQLo sf/f]jf/ ug{ ;S5g . art eljiosf nflu u/L ;'vL eljio agfpg] xf] . art yf]/}jf6 z'? ug]{ xf] . art Tofujf6 k|fKt x'G5 . pBd ug{ / cfo cfh{g ug{ shf{ lng] xf] . shf{ jt{dfg ljQLo cfjZostf k"/f ug]{ dfWod xf] . art ;'Gb/ eljiosf] cfwf/ xf] . ljQLo kxF"r ljkGg ;a} dfgjsf] clwsf/ xf] . n3' ljQLo ;]jfn] cfocfh{gdf ;xof]u u/L ;DkQL a[l4 ub{5 / ;b:osf] ;d'Ggt eljio aGb5 . n3'ljQ sfo{qmd ;xeflutfTds ;fd"lxs sfo{ ePsf]n] Pstfsf] dfWodjf6 bLuf] cfly{s ljsf; ;Dej x'G5 . u|fxs -;b:o_ ;DaGw Joj:yfkg n3'ljQsf] cfwf/ :tDe xf] .

;b:osf] ljZjf;, ;b\efj Pjd ;xof]un] ;+:yfsf] bLuf] ljsf; ;Dej x'G5 .

&= k"“hL ;+/rgfMclws[t kF"hL #) s/f]8, -h;nfO{ k|ltz]o/ ?= !))÷– sf b/n] #),)),))) -tL; nfv_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 eg] hf/L kF"hL @@ s/f]8 )$ nfv %& xhf/ % ;o / r'Qmf kF"hL @@ s/f]8 )$ nfv %& xhf/ % ;o /x]sf] 5 .

*= ;+:yfks ;d"xM o; ljQLo ;+:yfsf] ;+:yfks >L Unf]an cfO{PdO{ a}+s lnld6]8sf] &) k|ltzt kF"hL nufgL /x]sf] 5 .

(= sfo{If]qMo; n3'ljQ ljQLo ;+:yfsf] sfo{If]q /fli6«:t/ /x]sf] 5 .

3;ftf}+ jflif{s k|ltj]bg – @)&%÷)&^

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf ln= ;~rfns ;ldltsf] tkm{af6 cWoIfHo"sf] k|ltj]bg

>L z]o/wgL dxfg'efjx?, Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8sf] o; ul/dfdo ;ftf}+ jflif{s ;fwf/0f ;efdf cfkm\gf] cd"No ;do lbO{ pkl:yt x'g'ePsf ;Dk"0f{ z]o/wgL dxfg'efjx?df ;~rfns ;ldltsf] ;fy} d]/f] JolQmut tkm{af6 xflb{s :jfut ub{5' .

g]kfnsf] ljQLo ahf/df ljBdfg cfly{s k|lt:kwf{, ljleGg lsl;dsf c8\rgx? Pjd\\ cf/f]x cj/f]xx?, a}lsË ahf/sf ljljw ;d:ofsf] sf/0f l;lh{t ljifd kl/l:ytL cflbsf afah'b klg ljQLo ;+:yfn] ljleGg lgsfoaf6 k|fKt ;Nnfx ;'emfjx? tyf dfu{lgb]{zgn] ;+:yfsf] pNn]vgLo k|ult xfl;n ug{ ;kmn ePsf] / ;+:yfut p2]Zo k"/f ug{sf] nflu ul/Psf] k|of;sf] kmn:j?k xfdLn] k|:t't ug{ nfu]sf] ljQLo ljj/0f pTs[i6 /x]sf] Joxf]/f hfgsf/L u/fpg rfxG5' .

o; sDkgLn] ;kmntfk"j{s ;ftf}+ cfly{s jif{ k"/f u/]sf] 5 . o;} ;Gbe{df xfdLn] oxfFx? ;dIf cfly{s jif{ @)&%÷&^ df ;DkGg ePsf ljleGg ultljlw / pknAwLx?nfO{ ;dfj]; u/L jflif{s k|ltj]bg k]z ug{ kfpFbf w]/} v'zLsf] cg'ej u/]sf 5f}+ . cfly{s jif{ @)&%÷@)&^ cfiff9 d;fGtsf] jf;nft tyf ;f] cf=j=sf] gfkmf–gf]S;fg lx;fa, gfkmf–gf]S;fg afF8kmfF8 ljj/0f, gub k|jfx ljj/0f tyf cg';"lrx? o; ul/dfdo ;fwf/0f ;ef ;dIf :jLs[tLsf] nflu k]z ub{5f}+ . o; ;fwf/0f ;efdf ljQLo ;+:yfn] u/]sf] pknAwL / u/]sf sfdsf] ;dLIff u/L ;+:yfsf] cfufdL sfo{qmdx?df ;'wf/ ug{sf nflu tkfO{ z]o/wgL dxfg'efjx?sf] ;Nnfx ;'emfjn] ;xof]u Pjd\\ lbzflgb]{z x'g] ck]Iff /fv]sf 5f}+ .

!= ;dLIff cfly{s jif{sf] sf/f]jf/sf] l;xf+jnf]sgM ljut # cfly{s jif{sf] ;+lIfKt ljQLo l:ytL / pknAwLx?sf] ;dLIffTds ljj/0f o;k|sf/ /x]sf] 5 .

qm=;+= ljj/0f @)&$ cfiff9

d;fGt @)&% cfiff9

d;fGt @)&^ cfiff9

d;fGt kl/jt{g

a[l4 k|ltzt

! s'n r'Qmf Zf]o/ k"FhL *,*!,$$,$))– !!,)$,%&,%)).– @@,^%,@#,@&%.– !)%=)*Ü

!=! r'Qmf k"FhL %,^%,)),))).– (,^),%),))).– !!,)$,%&,%)). !% Ü

!=@ k|:tfljt jf]g; z]o/ !,!#,)),))) .– !,$$,)&,%)) .– #,*^,^),!@%.– !^*=## Ü

!=# cu|Ld ?kdf z]o/ nufgL @,)#,$$,$)).– &,&$,)%,^%).–

@ ;fwf/0f hu]8f tyf sf]ifx? ($,$%,%(&.– !,%$,$!,$*!.– $,@@,^^,&%^.– !&#=&@ Ü

$ art÷lgIf]k !^,#$,)#,&)*.– #^,)*,**,#@#.– *&,$^,&&,&&$.– !$@=#& Ü

% shf{ nufgLdf /lx/x]sf] $$,%&,@&,(%!.– !,)*,^#,^(,#(@.– #,!*,*#,^*,&^!.– !(#=$( Ü

^ a}+sx?af6 shf{ ;fk6L $@,(@,*^,@&%.– ((,$^,#&,*#*.– @,%@,@*,%^,**$.– !%#=̂ % Ü

& s'n ;DkQL &!,##,!%,((*.– !,%!,&!,)!,^%@.– #,&#,!^,*#,%@#.– !$%=(& Ü

* s'n cfDbfgL (,$#,(),)$&.– !^,*$,(),!$^.– $*,!@,&$,*$$.– !*%=̂ $ Ü

*=! Jofh cfDbfgL *,^*,)@,$^&.– !$,$),&(,*(@.– #(,%*,*%,(#(.– !&$=&& Ü

*=@ cGo ;~rfng cfDbfgL &%,*&,%*).– @,$$,!),@%$.– *,%#,**,()%.– @$(=*! Ü

( s'n vr{ &,)(,&!,@$#.– !#,(!,&),(((.– #%,#&,!@,*)@.– !%$=!^ Ü

(=! Jofh vr{ #,^$,&&,!@#.– *,^%,^&,!@!.– @%,@&,@*,*@@.– !(!=(% Ü

(=@ sd{rf/L vr{ @,@&,%),)&$.– #,@$,@*,^)^.– &,!*,!(,*@$.– !@!=$& Ü

(=# ;+rfng vr{ !,!&,$$,)$^.– @,)!,&%,@&@.– @,(!,^$,!%^.– $$=%% Ü

(=$ ;Defljt gf]S;fgL Joj:yf %(,)#,#*!.– $(,&@,$(#.– @,$(,@),!@^.– $)!=!^ Ü

!) ;~rfng d'gfkmf !,&%,!%,$@#.– @,$#,$^,^%%.– !),@^,$!,(!^.– #@!=%( Ü

!! v'b d'gfkmf !,!),^%,)(#.– !,%&,!@,*$$.– ^,*!,*&,@@*.– ###=(^ Ü

;ftf}+ jflif{s k|ltj]bg – @)&%÷)&^4 4

v= ;]jfsf] kxF"rM

qm=;+= ljj/0f @)&$ cfiff9 d;fGt @)&% cfiff9 d;fGt @)&^ cfiff9 d;fGt kl/jt{g÷a[l4

! lhNnf !% @% $% *) Ü

@ zfvf ;+Vof @% $) ^# %&=% Ü

# uflj;÷gkf @)% #&( ^@^ ^%=&) Ü

$ s]Gb|x? !#@# @($$ %$*% *^=#! Ü

% ;d"xx? $@)$ *(#^ !&%#% (^=@#Ü

^ ;d"x ;b:ox? @)*%* $),&^% &*&%@ (#=!(Ü

& C0fL ;b:ox? !)!*! @@,^!^ $**!$ !!%=*$ Ü

* sd{rf/L ($ !%( @%# %(Ü

k|:t't cfly{s jif{ @)&%÷&^ df ljQLo jhf/df l;lh{t t/ntfsf] cefjsf sf/0f C0f ;fk6L sf]ifsf] nfutdf ePsf] cgk]lIft / lta| a[l4sf afjh'b ;+:yfsf] sf]ifsf] nfut a[l4 x'g uPtf klg ljQLo ;"rsf+sx? ;sf/fTds eO{ nIo adf]lhd xfl;n ePsf] oxfFx?nfO{ hfgsf/L u/fpFb5' . o; ljQLo ;+:yfsf] cfly{s jif{ @)&%÷&^ df r'Qmf k"FhL ?= !! s/f]8 )$ nfv %& xhf/ % ;o ePsf]df cf=j= @)&%÷&^ sf] d'gfkmfaf6 #% k|ltzt k|:tfljt jf]g; z]o/af6 ?=#,*^,^),!@%. tyf hf/L ul/Psf] !M! a/fa/sf] xsk|baf6 k|fKt x'g] ?= !!,)$,%&,%)). u/L sDkgLsf] r'Qmf z]o/ k"FhL ?= @% s/f]8 (% nfv &% xhf/ ! ;o @% k'Ug hfg] hfgsf/L u/fpFb5' . s'n ;DkQLdf !$%=(& k|ltztn] a[l4 e} ?= # ca{ &# s/f]8 !^ nfv *# xhf/ % ;o @# ?k}ofFF k'u]sf] 5 . k|:t't cfly{s jif{df artdf !$@=#& k|ltztn] a[l4 u/L ?= *& s/f]8 $^ nfv && xhf/ & ;o &$ ?k}ofFF k'u]sf] 5 eg] shf{ !(#=$( k|ltztn] a[l4 u/L ?= # ca{ !* s/f]8 *# nfv ^* xhf/ & ;o ^! ?k}ofFF nufgL ul/Psf] 5 . ;~rfng d'gfkmfdf ?= !) s/f]8 @^ nfv $! xhf/ ( ;o !^ tyf v'b d'gfkmf ?= ^ s/f]8 *! nfv *& xhf/ @ ;o @* ?k}ofFF cfh{g ePsf] 5. @= /fli6«««o tyf cGt/f{li6««o kl/l:yltaf6 sDkgLsf] sf/f]af/nfO{ s'g} c;/ k/]sf] eP ;f] c;/M ;dLIff jif{df cGt/f{li6«o ahf/df ePsf] d"Noa[l4sf sf/0fn] ljsl;t tyf ljsfzLn b]zsf] d'b|fl:kmtLdf k/]sf] k|efj ljZj e/L g} kl//x]sf] 5 tyfkL g]kfnsf cfly{s lqmofsnfkx?df ljut jif{x? eGbf lj:tf/ ePsf] 5. a}+s tyf ljsf; a}+sx?sf] lgIf]k tyf shf{sf] Jofhb/df e}/x]sf] ptf/r9fjn] n3'ljQ ;+:yfx? k|ToIf ?kdf k|efljt eP . æsÆ au{sf a}+sx?n] xf]; jf ljsf; a}+s tyf kmfOgfG; sDkgLx? ;a}df ljBdfg t/ntf Joj:yfkgsf] sf/0faf6 pRr Jofhb/df lgIf]k p7fpg] kl/l:ytLdf n3'ljQLo ;+:yfx?nfO{ ug]{ nufgL of]Uo /sdsf] cefj x'g k'Uof] . n3'ljQ ;+:yfx?sf] lbgfg'lbg ePsf] ;+VofTds a[l4n] eljiodf klg ljQLo >f]tsf] cefj x'g hfg] b]lvG5 . afl0fHo a}+sx? tyf ljsf; a}+sx?n] ljkGg ju{ If]qsf nflu yf]s shf{df lbg]] Jofhb/df a[l4 ePsf] sf/0f dx+uf] Aofhb/df C0f p7fpg' kg]{ afWofTds cj:yf /x]sf]df ;f] rfn' cf=j=df ;f] sf] ;'wf/ x'g] b]lvG5 . u|fdL0f tyf b"u{d If]qdf a}+sx?sf] pkl:ytL lj:tf/ x'g g;s]sf] cj:yfdf klg o; ;+:yfn] cGo n3'ljQLo ;+:yfx?sf] ;]jf gk'u]sf] If]qx?df ljQLo ;]jf k'¥ofpg] k|oTg :j?k kxf8L tyf t/fOsf leqL j:tLx?df zfvf :yfkgf ubf{ oftoft, ;~rf/ ;]jf / ;'/Iffsf] cefj b]lvO/x]sf] 5 . Pp6f n3'ljQ ;+:yfaf6 C0f lnP/ csf]{ n3'ljQ ;+:yfdf ltg]{ k|j[lQnfO{ lg?T;flxt ug{'kg]{ b]lvG5 . shf{ ;"rgf s]Gb|sf] dfWodaf6 ;fv ;"rgfnfO{ clgjfo{ u/L clws C0f ef/ / ax'ljQLos/0fdf Go"gLs/0f ug{ yk an k'Ug] b]lvPsf] 5 . t;y{ ;b:ox?nfO{ u'0f:t/ ;]jf pknAw ug]{ tkm{ cg';Gwfg ug]{ tyf ljQLo ;+:yfsf ;/f]sf/, Aoj:yfkg l6d, z]o/wgLx? tyf nufgL ug]{ ;+:yfks ;a}sf] ;sf/fTds ;xof]u x'g] ck]Iff ul/Psf] 5 . #= rfn' cfly{s jif{sf] pknlAwx? / eljiosf] of]hgfM o; n3'ljQ ljQLo ;+:yfn] cfkm\gf] ;b:ox?nfO{ pknAw ug]{ ;]jf tyf ;'ljwfx? ;+VofTds tyf u'0ffTds ?kdf lj:tf/ ug]{ gLlt lnP jdf]lhd ;+:yfsf $% lhNnfx?df u/L ^# j6f zfvfx?af6 sfo{qmdx? ;~rfng ePsf 5g . n3'ljQ sfo{qmddf ;+:yf ;b:osf] 3/b}nf]df hfg] ePsfn] em08} &) k|ltzt sfo{ lkmN8 Joj:yfkgdf ;do vr{ x'g] ub{5 . ;d"x hdfgL nufgL jt{dfg ;dodf clwstd hf]lvdk"0f{ ofqf h:t} aGb} uPsf] 5 lsgsL ljljw k|sf/sf hf]lvdx? a9\b} uPsf] cj:yf 5 . ;+:yfdf ljBdfg hf]lvdx? dWo] shf{sf] u'0f:t/ Joj:yfkg ;a} eGbf r'gf}tLk"0f{ /x]sf] 5 . ;b:ox?nfO{ ;j{k|yd tflnd clg nufgL n3'ljQ sfo{qmdsf] k|d'v cfwf/ ePsfn] ;b:osf] dfu adf]lhdsf tflndx? ljleGg ;+3 ;+:yfx?;Fu ;dGjo u/L ;~rfng ug]{ of]hgf /x]sf] 5 . To:t}

;ftf}+ jflif{s k|ltj]bg – @)&%÷)&^

;dLIff cjlwdf sd{rf/Lx?nfO{ klg ;+:yfsf] Joj;fo k|j4{g ug]{ tyf ;Lk ljsf; ug]{ k|s[ltsf] tflndx? cfjZostf eP jdf]lhd ljleGg cfGtl/s tyf jfx\o tflndx?df ;xeflutf u/fOPsf] / eljiodf yk sfo{qmdx? ;~rfng ug]{ of]hgf /x]sf] 5 . ;++:yfdf sfo{/t sd{rf/Lx? pTkfbgzLn / ;lqmo ;fwg ePsf]n] bLuf] ;DkQLsf ?kdf x]g'{kg]{ ;f]rsf] ljsf; ePsf] 5 . sd{rf/Lx?nfO{ ;do ;fk]If k|lt:kwL{ agfpgsf nflu 1fg / ;Lk ljsf;df clea[l4 u/fpg Joj:yfksLo txsf @ hgf sd{rf/Lx?nfO{ n3'ljQ sfo{qmdsf] kfof]lgo/ a+unfb]zsf] u|fdL0f a}+ssf n3'ljQ sfo{qmdsf] cWoog tyf To;sf] ;sf/fTds kIfsf] cg';/0f ug{sf nflu lzIffd"ns e|d0fdf ;xeflutf u/fOPsf] lyof] . ;+:yfsf cfufdL jif{ lgDg lsl;dsf /0fgLltx? cl3 ;fl/Psf] 5 .

Hff]lvd lgoGq0f tyf cg'kfngnfO{ ljz]if k|fyldstf lbg] . ;b:ox?sf] klxnf] /f]hfO{ aGg] . k|ljlwo'Qm ;]jf ;'ljwfx? a9fpg] . sd{rf/Lx?sf] sfo{s'zntfdf a[l4 ug]{ . sfo{;Dkfbg u'0f:t/o"Qm agfpg] . ;+:yfsf] k|lti7f pRr agfpg] . nlIft k|ltkmn xfl;n ug]{ .

s= rfn' jif{sf] pknlAw ljQLo ;+:yfn] rfn' cf=j= @)&%÷&^ df lnPsf] nIo tyf k|ult lgDg adf]lhd /x]sf] 5.

qm=;+= ljj/0f @)&^ cfiff9 d;fGtsf] nIo @)&^ cfiff9 d;fGtsf]

oyfy{ ;"rs -k|utL_

! art÷lgIf]k 84,00,95,508.– 87,46,77,774.– 104=12 @ shf{ nufgL 3,15,09,01,525.– 3,18,83,68,761.– 101=19 # s'n ;DkQL 5,86,82,01,987.– 3,73,16,83,523.– 63=59 $ ;~rfng d'gfkmf 8,34,15,797.– 10,26,41,916.– 123=05 % lhNnfx? $% $% !)) Ü ^ zfvf ;+Vofx? &) ^# () Ü & sd{rf/Lx? @$! @%# !)$=(* Ü * s]Gb|x? %$&! %$*% !)) Ü ( ;d"xx? !^&^^ !&%#% !)$ Ü !) ;b:ox? *@))$ &*&%@ (^ Ü !! C0fL ;b:ox? %%!^& $**!$ ** Ü

v= cf=j= @)&^÷&& sf] efjL of]hgfx? M cfly{s jif{ @)&%÷&^ sf] ;du| ljQLo ljj/0f cWoog ubf{ n3'ljQ ljQLo ;+:yfx?sf nflu k|r'/ ;Defjgf /x]sf] ePtfklg o;sf k|d'v r'gf}ltsf ?kdf /x]sf] ;b:osf] bf]xf]/f]kgf tyf ;~rfng vr{df / sf]ifsf] nfutdf ePsf] a[l4 sf] afjh'b klg ;a}} h;f] nIox? xfl;n ug{ ;lsPsf] oyfy{tfnfO{ dWogh/ u/L cfly{s jif{ @)&%÷&^ cfiff9 d;fGt;Ddsf] oyfy{ ljj/0f, cfly{s jif{ @)&^.&& sf] jflif{s nIo tyf rfn' cfly{s jif{sf] n]vfk/LIf0f gePsf] @)&^ c;f]h d;fGt=;Ddsf] ckl/:s[t ljQLo l:ytL lgDg adf]lhd /x]sf] Joxf]/f o; ul/dfdo ;fwf/0f ;efsf z]o/wgL dxfg'efjx?nfO{ hfgsf/L u/fpFb5' .

!= k|:tfljt ljQLo of]hgfx? M

qm=;+= ljj/0f @)&& cfiff9

d;fGt;Ddsf] nIo ljj/0f

@)&^ c;f]h d;fGt;Ddsf] nIo

ljj/0f

@)&^ c;f]h d;fGt;Ddsf] k|ult

ljj/0f

! Zffvfx? 78 63 68 @ sd{rf/L 364 288 294 # lhNnf 49 45 46 $ Ufflj; ÷g=kf= 705 627 696

5


% s]Gb| 9,006 5,995 6019 ^ ;d"x 28,741 19,162 19,257 & ;b:o 129,992 87,565 86,201 * C0fL 93,093 56,033 52,122 ( z]o/ k"FhL 25,40,52,250.– 25,40,52,250.– 22,65,23,275.– !) art÷lgIf]k 1,89,20,26,560.– 1,06,98,33,617.– 1,04,52,58,689.– !! ;fk6L (DSL) 3,16,92,62,992.– 2,30,66,10,093.– 3,02,75,30,841.– !@ shf{ ;fk6 6,11,52,03,422.– 3,59,02,19753.– 3,82,60,80,188.– !# ;~rfng d'gfkmf 26,15,75,144.– 4,90,79,101.– 5,25,66,370.– !$ s'n ;DkQL 10,80,65,33,946.– 3,84,33,91,710.– 4,54,03,83,700.–

@= sfo{If]q

o; ljQLo ;+:yfn] cfly{s jif{ @)&%÷)&^ df ljQLo ;+:yfsf] ;a} sfo{If]qx? $% lhNnfdf g} ;]jf lj:tf/ u/L /fli6«o:t/ agfpg] of]hgf adf]lhd g} $% lhNnfdf g} ^# j6f zfvf sfof{nox? ;~rfng ul/Psf] 5 . ldlt @)&%÷!)÷!& ut] g]kfn /fi6« a}+saf6 g]kfn e/L sfo{If]q ePsf] ljQLo ;+:yfsf] l:js[tL k|fKt e} /fli6«o:t/sf] ljQLo ;+:yfsf] dfGotf k|fKt u/]sf] 5 . jt{dfg k|lt:kwf{Tds ljQLo ahf/df n3'ljQLo sfo{qmd dfkm{t cfkm\gf] leGg klxrfg agfpg ;kmn e} ;b:ox?sf] cfjZostf adf]lhdsf] ;]jf k|bfg u/L ;b:ox?nfO{ ;xh / ;/n tl/sfaf6 u|fdL0f If]qsf b'/b/fh;Dd ljQLo ;]jfx? ;~rfng ug]{ nIo adf]lhd ;]jfx? lbO/x]sf] hfgsf/L u/fpg rfxG5' . g]kfn clw/fHo e/L n3'ljQ sfo{qmd ug{ :jLs[t k|fKt e} ;s]sf] ;Gbe{df cf= j= )&^÷&& ;Dddf $( lhNnfdf &* j6f zfvf sfof{noaf6 sfo{qmd ;~rfng ug]{ of]hgf lnOPsf] 5 .

#= ;]jfx? tyf cGo sfo{qmdx? art of]hgfM

cfGtl/s ljQLo >f]tsf] alnof] / e/kbf]{ cfwf/ ;b:oaf6 ;+slnt art dflgG5 . ;b:ox?nfO{ art ug]{ afgLsf] ljsf; u/fpg] tyf sfo{If]q leqsf ;b:ox?nfO{ art ug]{ cj;/ l;h{gf ug]{ ;+:yfsf] gLlt /x]sf] 5 . ;b:ox?nfO{ dfl;s artsf] cltl/Qm ;b:ox?sf] dfu adf]lhd art u/L eljio ;'lglZrt ug{ ;xof]u k'uf];\ eGg] x]t'n] pHofnf] eljio artnfO{ pTs[i6 artsf] ?kdf 3/ b}nf]df g} dfl;s slDtdf ?= !)).– b]lv ?= %))).– ;Dd ;b:ox?sf] cfo cfh{g Ifdtf adf]lhd lgoldt ?kdf P]lR5s art u/fpg] ;fy} pgLx?sf] afnaRrfx?sf] ;'Gb/ eljio lgdf{0fdf 6]jf k'Ug] p2]Zon] sf]lknf afnart sfo{qmdx? tyf dlxnfx?sf] k]jf /sd art ug{ u[xNfIdL art of]hgfsf] ?kdf !)) lbg], @)) lbg] tyf #)) lbg]] art sfo{qmd ;b:ox? aLr nf]slk|o aGb} u}/x]sf]n] ;b:osf] cfjZostf adf]lhd $)) lbg] / %)) lbg] ;d]t u[xNfIdL art yk u/L lgoldt ?kdf art ;+sng ul/Psf] 5 . art ;+sng sfo{ ;b:ox?n] s]Gb| a}7s lbg tyf ;f]sf] cltl/Qm zfvf sfof{nox?df ;d]t b}lgs tyf dfl;s ?kdf klg art ug{ ;lsg] Joj:yf /x]sf] 5 . art a[l4 ug{ ;b:o lj:tf/ cfjZos ePsfn] ;d"x, s]Gb| tyf uflj; If]qx? lj:tf/ u/L u|fdL0f b"/b/fh;Dd n3'ljQ ;]jf sfo{qmd lj:tf/ u/L / art a[l4 ug]{ gLltnfO{ cem k|efjsf/L ?kdf cl3 a9fOg]5 .

shf{ nufgLM ;+:yfn] cfjZos ljQLo >f]tx? h'6fO{ To;sf] k"0f{ pkof]u u/L /x]sf] 5 eg] ljkGg ju{ nufgL If]q cGtu{t afl0fHo, a}+s ljsf; a}+s, kmfOgfG; sDkgL tyf yf]s ljQLo ;+:yfaf6 C0f ;fk6L lnO{ >f]t h'6fO{ ;+:yfn] ljleGg b"/b/fhdf a;f]af; ug]{ ljkGg dlxnf lbbLalxlgx?nfO{ ljleGg cfo cfh{g ug{ ;Sg] If]qx?df lagf lwtf] n3' pBd ug{ tyf demf}nf pBd Joj;fosf] nflu u|fdL0f If]qsf] l:jsf/ of]Uo lwtf] lnO{ lwtf] shf{ ;]jf pknAw ub}{ cfPsf] 5 . ;d"x hdfgL cGtu{t / lwtf] cGtu{t ljleGg shf{ ;]jfx? lbOsf 5g . ;fwf/0f shf{, s[lif shf{, cfjf; shf{, n3' pBd shf{, n3' Joj;fo shf{, j}b]lzs /f]huf/ shf{, z}lIfs shf{, cfsl:ds shf{, zf}rfno shf{ / s[lif kl/of]hgf shf{ cflb k|bfg u/L ;b:ox?sf] cfly{s ;d[l4 u/L hLjg:t/ psf:g] nIosf ;fy sfo{qmd ;~rfng ul/Psf] 5 . cfufdL lbgdf shf{sf] u'0f:t/ ;'wf/ ub}{ n3' pBd tyf Jofkf/, Pjd\ s[lif If]qdf nufgL gLltnfO{ k|f]T;fxg lbO{ ;]jfx? lj:tf/ ul/g]5 .


lak|]if0f ;]jfM ;+:yfn] ljut cfly{s jif{x?af6 cfOPdO{ /]ld6, Unf]an /]ld6, lxdfn /]ld6, k|e' /]ld6 cflb /]ld6 ;]jf k|bfos sDkgL dfkm{t ;b:ox?nfO{ /]ld6fG; ;'ljwf lbg] Joj:yf ul/Psf] 5 . ;fy} ;a} zfvf sfof{nox?df ;b:ox?sf] j}b]lzs cfDbfgL ;/n dfWodaf6 ;b:osf] ;/n art vftfdf hDdf ug{ ;lsg] ;]jf k|bfg ul/Psf] 5 eg] g]kfnsf ljleGg 7fpFx?df ?k}ofF k7fpg] tyf e'QmfgL lbg] ;]jf k|bfg ul/Psf] 5.

tflnd tyf ;r]tgf sfo{qmd M ;+:yfn] cfkm\gf ;b:ox?sf] cfo{cfh{g Ifdtf a[l4 ug{ pgLx?sf] dfu adf]lhd Jofj;flos s[lif tyf Jofj;flos kz'k+lIfkfngsf nflu cfjZos tflnd sfo{qmdx? lgoldt ;~rfng ul/Psf] / ;f]nfO{ lg/Gt/tf lbOg]5 . s]Gb| k|d'v pkk|d'v tyf k|ltlgwL ;b:ox?nfO{ ljQLo ;fIf/tf sfo{qmd ;~rfng u/L art a[l4 ug]{ tyf shf{sf] ;b'kof]u ug{ k|]/0ff lbg] tyf shf{ glt/]df x'g] gf]S;fgL cflbaf/] ljQLo ;r]tgf lbg] sfo{nfO{ lg/Gt/tf lbOg]5 . ;fy} Ps n3'ljQ ;+:yfaf6 C0f lnP/ csf]{ n3'ljQ ;+:yfdf ltg{] k|j[lQ lg?T;flxt ug{ ;b:ox?nfO{ ;hu u/fpg] / ;a} n3'ljQ ;+:yf aLr ;dGjo u/L ;fv ;"rgf cfbfg k|bfg ug]{ tyf ;b:osf] C0f :jM3f]if0ffsf] Joj:yf sfof{Gjog u/L ax'ljQLos/0fnfO{ lgoGq0f ug{] cleofg cl3 a9fOPsf] 5 .

;"rgf k|ljlw tyf ;km6\j]o/ M @! cf}+ ztfAbL ;"rgf tyf k|ljlw, u'0f:t/ tyf ljZjJoflks/0fsf] o'u eP adf]lhd ;"rgf k|ljlwsf] jt{dfg ljsf;nfO{ pkof]u ub}{ hfg] ;+:yfsf] of]hgf /x]sf] 5 . ;+:yfn] o'/fg; 6]s k|f=ln=af6 pTkflbt Micro Finance Banking Software k|of]udf NofO{ sf/f]af/nfO{ cgnfOg k|0ffnL cGtu{t ;~rfng ul/Psf] 5 . ;+:yfsf] ;e{/ sf7df08f} l:yt 8f6f xjdf Jojl:yt ?kdf /flvPsf] 5 eg] a+}lsË sf/f]jf/sf] 8f6fx?df x'g ;Sg] hf]lvdaf6 ;'/lIft /xgsf] nflu lhdfN6f] ;km6\j]o/(Gmalto Software) k|of]u u/L ljz]if ;'/Iff gLlt ckgfOPsf] 5 eg] eljiodf ;b:ox?sf] ;]jfnfO{ dWogh/ u/L b'u{d u|fdL0f If]qdf klg P;PdP; a}+lsª ;'ljwf tyf 6\ofjn]6 a}lsª ;~rfng u/L ;b:ox?nfO{ ;]jf lbg] tyf ;"rgf k|ljlwsf]af/]df ;r]tgf lbFb} ;do ;fk]If sfo{qmdx?df u'0f:t/Lotfdf a[l4 ub} cl3 a9g] of]hgf /x]sf] hfgsf/L u/fpFb5f}+ .

dfgj ;+;fwgsf] ljsf; M sfo{If]q lj:tf/ ;Fu;Fu} zfvf ;~hfn dfkm{t sfo{qmdx? lj:tf/ ug{ sd{rf/Lx?sf] ;+Vofdf lbgfg'lbg a[l4 x'Fb} uO/x]sf] kl/k]|Ifdf dfgj ;+;fwgsf] Joj:yfkg tyf ljsf; ug{ cToGt cfjZos /x]sf] 5 . gofF ;+:yfdf hgzlQm Joj:yfkg r'gf}ltk"0f{ /x]sf] x'gfn] hgzlQm cfkm}+ tof/ ub}{ hfg'kg]{ l;sfO{ ePsfn] sd{rf/L egf{ 5gf}6 sfo{ lgoldt ;~rfng e}/x]sf] 5 . gofF sd{rf/L sfd l;Sg k|j]z x'g] / sfd l;s]/ cGo ;+:yfdf hfg] k|j[lQ clws /x]sf]n] ljQLo ;+:yfdf of] Pp6f k|d'v ;d:of /x]sf sf/0f pgLx?nfO{ /f]Sgsf nflu ;]jf ;'ljwfsf] cfjZostf /xG5 . t;y{ ;+:yfdf ljBdfg sd{rf/Lx?nfO{ ;+:yf k|lt ckgTj efjgfsf] ljsf; ug{ / ;+:yfdf /lx/xg] jftfj/0f l;h{gf ug{sf nflu ;do ;fk]If tflnd tyf a[lQ ljsf;sf sfo{qmdx? ;~rfng e}/x]sf] 5 eg] sd{rf/Lx?nfO{ yk ;'ljwfsf] cfjZostf dxz'; u/L sd{rf/Lx?nfO{ ;jf/L ;fwg shf{, ;fdflhs shf{ / cfjf; shf{sf] Joj:yf ug{ sd{rf/L shf{ lgb]{lzsf hf/L ul/Psf] 5 . ljQLo ;+:yfsf] s'n vr{sf] sDtLdf # k|ltzt sd{rf/Lx?sf] ;Lkljsf;df vr{ ug{kg]{ g]=/f=a}+ssf] lgb]{{zgdf ePsf] Joj:yf kl/kfng ub}{ hgzlQm pTkfbg ug{ cfjZos tflnd tyf e|d0f sfo{qmdx? ;do ;dodf ;~rfng e}/x]sf] / eljiodf o; sfo{nfO{ cem lta|tf lbg] of]hgf /flvPsf] 5 .

;+:yfut ;'zf;g M ljBdfg sfg'g tyf gLlt lgod / lgodgsf/L lgsfo g]=/f=a}+s a}+s tyf ljQLo ;+:yf lgodg ljefu tyf n3'k|j4{g tyf ;'k/Lj]If0f ljefuaf6 hf/L ul/Psf lgb]{zg tyf kl/kqx? adf]lhd g} Joj;fo ;~rfng ul/Psf] 5 . ;~rfns ;ldltn] g=]=/f=a}+saf6 hf/L lgb]{lzsfsf] a'Fbf g+= ^=! adf]lhd cfr/0fx? lgoldt ?kdf kl/kfng ul/Psf] hfgsf/L u/fpFb5' . ;~rfns ;ldltsf] cltl/Qm n]vfk/LIf0f ;ldlt, hf]lvd Joj:yfkg ;ldlt, sd{rf/L Joj:yfkg tyf ;]jf ;'ljwf ;ldlt, ;Dklt z'4Ls/0f cg'udg ;ldlt, u7g u/L sfo{ ;Dkfbg ePsf] 5 . ;fy} Joj:yfkg txaf6 cfly{s lgb]{zg ;ldlt, vl/b ;ldlt, kbk"lt{ ;ldlt, u|fxs ;+/If0f sf]if tyf ;fdflhs pQ/bfloTj vr{ Joj:yfkg ;ldlt, shf{ ;ldlt, nufgL ;ldlt, tyf cg'zf;g OsfO{ u7g u/L sfo{ ;Dkfbg x'Fb} cfPsf] hfgsf/L u/fpFb5' .


g]=/f=a}+ssf] l:js[lt adf]lhd cfjZos ljlgodfjnLx? sd{rf/L ;]jf ljlgodjnL, cfly{s k|zf;g ;DaGwL ljlgodfjnL, shf{ ckn]vg ljlgodfjnL tof/ u/L nfu' ul/Psf] 5 . ;fy} cfjZos gLlt, lgb]{lzsfx?, / sfo{ljlwx?df shf{ gLlt, ;DkQL tyf bfloTj Joj:yfkg gLlt, art tyf sf]if kl/rfng gLlt, u|fxs klxrfg gLlt, nufgL gLlt, nfefFz gLlt, hf]lvd Joj:yfkg gLlt, n]vf gLlt, sfo{ ;~rfng gLlt, u|fxs klxrfg gLlt, ;~rfns lgjf{rg lgb]{lzsf, ;"rgf k|ljlw lgb]{lzsf, cfGtl/s n]vfk/LIf0f lgb]{lzsf, gub ;~rfng lgb]{lzsf, art ;+sng tyf e'QmfgL lgb]{lzsf, ;b:o u|fxssf] u'gf;f ;dfwfg lgb]{lzsf, n3' Joj;flos shf{ lgb]{lzsf, sf]lknf afnart lgb]{lzsf, pHofnf] art lgb]{lzsf, u|fxs ;+/If0f sf]if;~rfng lgb]{lzsf,sd{rf/L shf{ lgb]{lzsf, u|fxs klxrfg sfo{ljlw / ;xof]uL sfo{stf{ sfo{ljlw, ;fdflhs pQ/bfloTj sf]if vr{ sfo{ljwL, u|fxs ;+/If0f sf]if ;~rfng sfo{ljwL, c;n C0fL ;b:o sf8{ sfo{ljwL, zfvf >]0fL Joj:yf sfo{ljwL / ljb]z e|d0f sfo{ljlw cflb tof/ u/L ;f]lx cg'?k ;+:yf ;~rfng ul/Psf] 5 .

Uf|fxs ;++/If0f sf]if Pjd\ ;b:o ;'/If0f vr{ u|fxs-;b:o_ ;+/If0f sf]if tyf ;b:o ;'/If0f sf]ifaf6 xfjfx'/Laf6 3/IftL, e'sDkaf6 k|jflxt, afn artstf{x?nfO{ z}lIfs ;fdu|L, k|;'tL ePsf ;b:onfO{ kf]if0f vr{, af9L klx/f] tyf cfuhgL tyf r6\ofª cflb h:tf k|fs[lts k|sf]kaf6 k|efljt ;b:ox?nfO{ lgDg adf]lhd /fxt ljt/0f Pjd\\ ;xof]u ul/Psf] 5 .

Uf|fxs ;++/If0f sf]if Pjd\ ;b:o ;'/If0f sf]if ljj/0f /sd

u|fxs ;+/If0f sf]ifdf 2075÷076 sf] z'? Dff}Hbft 6,52,763.00 ;b:o ;'/If0f sf]if df 2075÷076 sf] z'? Dff}Hbft 18,492,467.00

s'n hDdf 1,91,45,230.00 Uf|fxs ;++/If0f sf]if Pjd\ ;b:o ;'/If0f sf]ifaf6 vr{ ljj/0f /sd

xfjfx'/Laf6 3/IftL /fxt ljt/0f 2,55,500.00 pTs[i6 sf]lknf artstf{x?nfO{ z}lIfs ;fdu|L ljt/0f 33,000.00 k|;'tL ePsf ;b:onfO{ kf]if0f vr{ ljt/0f 7,60,000.00 3/ cfunfuL ePsf ;b:onfO{ /fxt ljt/0f 22,624.00 ;b:ox?nfO{ tflnd tyf ljQLo ;fIf/tf 8,80,000.00 ;b:osf] >Ldfg d[To'df ;xof]u 72,000.00 ;b:osf] d[To" shf{ ldgfxf 1,355,073.00

hDdf vr{ 33,78,197.00 AffFsL sf]if df}Hbft 1,57,67033.00 cf=j= @)&%÷&^ sf] ljlgof]hLt CPF /sd 53,32,714.00

Uf|fxs ;'/If0f sf]ifdf hDDff s'n df}Hbft /sd 2,10,99,746.00 ;fdflhs pQ/bfloTjM ;fdflhs pQ/bfloTj sf]ifaf6 ;fdflhs lqmofsnfkx? h:t} h]xGbf/ ljBfyL{x?nfO{ z}lIfs ;fdu|Lx? ljt/0f, ljQLo ;fIf/tf sfo{qmd, xfjfx'/Laf6 k"0f{?kdf 3/ k|efljt ;b:ox?nfO{ /fxt ;fdu|Lx? ljt/0f ul/of] . n3'ljQsf] af/]df r]tgf j9fpg ljleGg dfWolds ljBfnox?df n3'ljQsf] e"ldsf ljifodf jSt[Tjsnf sfo{qmdx? ;~rfng ul/of] . ;fy} a[4f>dx?df nQfsk8fx? tyf vfBfGgx? ljt/0f ul/of] . cfufdL jif{ klg hgsNof0fsf/L ;fdflhs lqmofsnfkx?df lta|tf NofOg]5 / ;f] sf] lg/Gt/tfaf6 ;b:ox?;Fu cem bLuf] Pjd\ 3lgi7 ;DaGw sfod x'g hfg] ck]Iff ul/Psf] 5 . ;fdflhs pQ/bfloTj pGd'v lqmofsnfkaf6 ;+:yfsf] k|lti7f a9\b} hfg] tyf ;+:yfsf cfufdL sfo{qmdx? ;~rfngdf ;sf/fTds ;xof]u k'Ug] ck]Iff ul/Psf] 5 .

;fdflhs pQ/bfloTj sf]ifaf6 vr{ ljj/0f /sd

2075÷076 sf] z"? Dff}Hbft 2,67,779.00 5fqj[lQ ljt/0f 23,000.00 ljQLo ;fIf/tf sfo{qmd 9,000.00


a[4f>d nQf, sk8fx? tyf vfBfGgx? ljt/0f 56,838.00 xfjfx'/Laf6 ePsf] 3/ Ifltdf /fxt ljt/0f 1,78,121.00

hDdf vr{ 2,66,959.00 afFsL SRF /sd 820.00 cf=j= 2075.76 sf] ljlgof]hLt SRF /sd 6,81,872.00

;fdflhs pQ/bfloTj sf]ifdf s'n df}Hbft /sd 6,82,692.00

yk efjL of]hgfx?M != u|fdL0f If]qsf ljkGg ju{x?df n3'ljQ sfo{qmd lj:tf/ u/L ;b:o u|fxsx?sf] ;+Vof a[l4 u/L

sfo{qmdnfO{ cem k|efjsf/L agfOg] 5 . ;fy} ;b:o u|fxssf] ljQLo 1fg a9fpgsf nflu ljQLo ;fIf/tf sfo{qmdx? ;~rfng ul/g]5 .

@= ljQLo ;fIf/tf sfo{qmdx? ;~rfng ug]{ tyf s]Gb| k|d'v tyf pkk|d'vx?nfO{ ljQLo ;fIf/tf k'l:tsf tof/ u/L ljt/0f ul/g] sfo{nfO{ lg/Gt/tf lbOg]5 .

#= cf=n]=k= ljefudf yk hgzlQm Joj:yf u/L cfGtl/s lgoGq0f k|0ffnLdf hf]8 lbOg]5 ;fy} ;~rfnsx?nfO{ Ifdtf clea[l4 tflnddf ;xefuL u/fO{ ;+:yfut ;'zf;gdf cem hf]8 lbOg]5 .

$= dfgj ;+zfwgsf] bIftf tyf ;Lk a[l4 / ljsf; ug{sf nflu hgzlQm Joj:yfkg ljsf; sfo{qmd cGtu{t ;xfos txsf hgzlQm tyf clws[t txsf hgzlQmnfO{ ;dofg's'n tflnddf ;xefuL ul/g]5.

%= ;b:o lzIff tyf ;r]tgf sfo{qmd cGtu{t ;d"x k"j{ tflnd sfo{qmd, ;b:o ljQLo ;fIf/tf sfo{qmd, afnart lzIff 5fqj[lQ sfo{qmd, ;b:o :jf:Yo sfo{qmd cflb ;dGjo u/L ;~rfng ul/g]5 .

^= ;b:ox?sf] hLjg:t/ a[l4af6 dfq bLuf] ;+:yfut ljsf; ;Dej ePsfn] ;b:o ;d[l4 sfo{qmd cGtu{t ;b:o Joj;flos s[lif ;r]tgf tflnd sfo{qmd, s[lif pTkfbg jhfl/s/0f ;r]tgf cflb sfo{qmdx? ;~rfng ul/g] 5 . ;"rgf tyf ;~rf/ k|ljlwdf ePsf] ljsf;nfO{ ;do ;fk]If ?kdf ;'wf/ Pjd\ lj:tf/ ul/g]5 .

&= pTs[i6 s]Gb| tyf ;d"x k'/:sf/ sfo{qmd, pTs[i6 sd{rf/L / zfvf k'/:sf/ sfo{qmdsf] dfWodaf6 pTk|]/0ff a[l4 u/L ;+:yfsf sfo{qmdx?df cfsif{0f ul/g]5 .

*= czn C0fL ;b:ox?sf] klxrfg u/L Unf]an u|Lg sf8{ / Unf]an 8fod08 sf8{ ljt/0f u/L ;b:ox?nfO{ shf{ Jofhb/df )=% k|ltztb]lv ! k|ltzt;Dd 5'6 u/L ;b:otfdf cfs{if0f ul/g]5 .

(= ;fdflhs pQ/bfloTj sf]if :yfkgf e} ;s]sf]n] ;f] sf]ifaf6 jflif{s ?kdf ;fdflhs pQ/bfloTjsf sfo{qmdx? ;~rfng ul/g]5 . ;fy} 6\ofjn]6 a}lsË k|0ffnLnfO{ o;} cf=j=leq sfof{Gjogdf NofOg]5 .

!)= u|fxs-;b:o_ ;'/If0f sf]ifaf6 ;b:ox?sf] ljsf; tyf Ifdtf clea[l4 sfo{qmd ;~rfng u/L u|fxs sNof0fsf/L sfo{x?df hf]8 lbOg]5 .

!!= :j/f]huf/ agf}M hfu/0f cleofg l;h{gf ug]{ tyf a]/f]huf/ o'jf tyf o'jtLx? tyf ljb]zaf6 kmls{Psfx?nfO{ Jofj;flos s[lif tflndx? k|bfg u/L s[lif kl/of]hgf shf{ dfkm{t s[lif pTkfbg a[l4df hf]8 lbOg]5 .

!@= zfvfnfO{ u'0f:t/ / Jojl:yt agfpgsf nflu zfvfsf] sfo{ ;Dkfbg d"Nof+sg u/L ;f] sf] cfwf/df zfvfx?nfO{ >]0fLdf jlu{s/0f u/L :tl/otf dfkg ul/g]5 .

$= sDkgLsf] cf}Bf]lus jf Jofkfl/s ;DaGw, o; ljQLo ;+:yfn] a}+s tyf ljQLo ;+:yf lgodg tyf n3'k|j4{g tyf ;'k/Lj]If0f lgsfo g]kfn /fi6« a}+s, :yfgLo ;/sf/L sfof{nox?, a}+sx? tyf cGo ljQLo tyf u}/ ljQLo ;+3 ;+:yfx?;Fu ;'dw'/, ;f}xfb{ / Joj;flos ;DaGw :yflkt ul/Psf] 5 . ;f]lx adf]lhd ;+:yfn] cfGtl/s >f]taf6 k"lt{ e} ck'u ePsf] ljQLo >f]t ljleGg a}+sx? tyf ljQLo ;+:yfx?af6 kl/k"lt{ ul/Psf] 5 . ljQLo >f]t pknAw ug]{ ;a} a}+sx?;Fu ;'dw'/ Jofj;flos ;DaGw sfod u/L ;s];Dd sd nfutdf yf]s shf{ tyf ;fk6 lng] k|of; ul/Psf] 5 . ljQLo ;+:yfn] g]kfn n3'ljQ a}+s;{ P;f]l;P;gaf6 pknAw tflnd tyf ;]ldgf/df ;xeflutf u/fO{ ;~rfns tyf sd{rf/Lsf] Ifdtf clea[l4 ug{ ;+:yfnfO{ /fd|f] ;xof]u k'u]sf] 5 / eljiodf klg yk ;xof]u kfpg] ck]Iff u/]sf 5f}+ . ;+:yfsf] z]o/ /lhi6«f/sf] ?kdf sfo{/t Unf]an cfOPdO{ Soflk6n dfs]{6 ln= af6 klg /fd|f] ;xof]u k|fKt e} /x]sf] 5 . u|fxs -;b:o_ ;'/If0f sf]if tyf ;fdflhs pQ/bfloTj sf]ifaf6 ;b:ox? tyf ;dfhsf] sNof0f tyf ;'/If0fsf nflu sf]ifaf6 vr{ ug]{ ul/Psf] 5 h;af6 ;b:ox? aLr 3lgi7 ;DaGw sfod x'Fb} uO/x]sf] 5 eg] ;fdflhs pQ/bfloTj sfo{x?af6 ;+:yfsf] k|lti7f a9\b} uPsfn] ;+:yfsf cfufdL sfo{qmdx? ;~rfngdf cem ;sf/fTds ;xof]u k'Ug] ck]Iff ul/Psf] 5 .


%= ;~rfns ;ldltdf ePsf] x]/km]/ / o;sf] sf/0f, o; ljQLo ;+:yfsf] o; cf=j=)&%.&^ df ;~rfns ;ldltdf x]/km]/ ePsf] 5 . ;+:yfsf] ldlt @)&%.&.@( ut] ;DkGg 5}6f} jflif{s ;efaf6 @ hgf ;j{;fwf/0f z]o/wgLsf k|ltlglwx? >L ldgk|;fb 1jfnL / >L clgd]z xnjfO{ $ jif{ sfo{ cjwLsf nflu lglj{/f]w lgjf{lrt x'g' ePsf 5g\ . ;+:yfsf] k|j4{s Unf]an cfOPdO{ a}+s ln= sf] k|ltlglw >L lbk]zafa' ltjf/Ln] JolQmut sf/0f b]vfO{ lbg'ePsf] /flhgfdf ;ldltn] ldlt @)&%.!!.@$ ut]af6 nfu' x'g] u/L gLhsf] of]ubfgsf] pRr d"Nof+sg u/L WfGojfb ;lxt /flhgfdf :jLs[t u/]sf] 5 . ;ldltsf] l/Qm kbx?df ;~rfns ;ldltsf] ldlt @)&%.!!.@$ ut] s} lg0f{o cg';f/ ;+:yfks k|ltlglwx? >L u0f]zk|;fb cj:yLHo" / >L zfGtf lzjfsf]6LHo"nfO{ ;ldltn] ;~rfnsdf dgf]gog u/] k|Zrft ;~rfnsx?df lgDgfg';f/sf JolQmx? /xg'ePsf] 5 .

qm=;= Gffd Kfb 7]ufgf s}lkmot

! >L a'4L cs]nf cWoIf Uf'nl/of–& alb{of k|j4{s Unf]an cfOPdO{ a}+s ln=sf] k|ltlglw @ >L ?k]Gb| jfUn] ;~rfns ;"o{ljgfos g=kf=–( eQmk'/ k|j4{s Unf]an cfOPdO{ a}+s ln=sf] k|ltlglw #= >L u0f]zk|;fb cj:yL ;~rfns b'uf{dfO{–# 88]nw'/f k|j4{s Unf]an cfOPdO{ a}+s ln=sf] k|ltlglw $= >L zfGtf lzjfsf]6L ;~rfns ;':kf Ifdfjlt–* bf]nvf k|j4{s Unf]an cfOPdO{ a}+s ln=sf] k|ltlglw %= >L ljho/fh hf]zL ;~rfns lrlt–^, ndh'ª :jtGq ;~rfns ^= >L ldgk|;fb 1jfnL ;~rfns yfgfktL –( u'NdL ;j{;fwf/0f z]o/wgL sf] k|ltlglw &= >L clgd]z xnjfO{+ ;~rfns cgf/dgL –$ emfkf ;j{;fwf/0f z]o/wgLsf] k|ltlglw

^= sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx¿M b]zdf ljBdfg /x]sf] cfly{s kl/jt{g ;/sf/L tyf lgodgsf/L lgsfox?af6 x'g] gLltut kl/jt{g c:j:y / lta| k|lt:kwf{ tyf sd{rf/Lx?df 5f]6f] ;dodf g} ;+:yf abNg] k|j[lQ . sf]ifsf] nfutdf ePsf] pRr a[4L . ljQLo >f]t k|fKt ug]{ sl7gfO{ tyf u}/ ;b:o art ;+sngdf k|ltaGw . ljkGg ju{sf] shf{sf] Aofhb/df a[l4 . o'jf zlQm j}b]lzs /f]huf/df knfog e} pBdlzntfsf] cefj . s[lif If]qdf nufgL u/L cfo:t/ a[l4 x'g] ljZjf;df sldsf] sf/0f nufgL k|lt g}/fZotf . k|fs[lts ljkQL tyf u}/ /fhg}lts kl/36gfx? . sd{rf/Lx?sf] c;'/Iff tyf ;+slnt art /sdsf] 6«flGh6df c;'/Iff . ;d"x 5f]8g] k|j[lQdf a[l4 . ;++:yfx? aLr ;dGjosf] cefj . bIf hgzlQmsf] cefj . ef}uf]lns ljs6tfsf] sf/0fn] oftfoft tyf ;~rf/df ;d:of . ;~rfng nfutdf a[l4 .

&= n]vfk/LIf0f k|ltj]bgsf] d'Vo l6Kk0fL / ;~rfns ;ldltsf] k|lts[of, o; ljQLo ;+:yfsf] lgoldt sf/f]jf/df b]lvPsf] ;fdfGo s}lkmotx? jfx]s n]vf k/LIf0f k|ltj]bgdf s'g}

vf; pNn]vgLo s}lkmot /x]sf] 5}g . n]vfk/LIfsn] cf}NofPsf clwsfFz s}lkmotx? ;'wf/ u/L ;lsPsf] / afFsL s]lx ;'wf/sf qmddf /x]sf 5g .

*= k|:tfljt nfef+z afF8kmfF8 /sd M o; ljQLo ;+:yfsf] ldlt @)&^.)$.#@ ut] a;]sf] ;~rfns ;ldltsf] j}7s g+= (( af6 l;kmfl/; u/]

adf]lhd o; jif{ z]o/wgLx?nfO{ cf=j= @)&%÷&^ cfiff9 d;fGt sfod r'Qmf k"FhL ?= !! s/f]8 )$ nfv %& xhf/ % ;osf] #% k|ltztn] x'g cfpg] ?= #,*^,^),!@%.– -cIf]?kL tLg s/f]8 5of;L nfv ;f7L xhf/ Ps ;o klRr; dfq_ a/fa/sf] af]g; z]o/ / ;f] df nfUg] lgodfg';f/ s/ Joj:yf sf] nflu !=*$ k|ltztn] x'g cfpg] ?= @),#$,&$#.$@ gub nfefFz ljt/0f ug]{ k|:tfj ul/x]sf] 5 .

(= hkmt ul/Psf] z]o/sf] ljj/0f M o; ;+:yfn] s'g} klg z]o/ hkmt gu/]sf] .


!)= sDkgL / o;sf] ;xfos sDkgLn] ljut cfly{s jif{df u/]sf] k|ult o; ;+:yfsf] s'g} ;xfos sDkgL g/x]sf] . sDkgLsf] cfly{s sf/f]af/sf] k|ult dfly pNn]v ul/Psf] .

!!= sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]af/x? / ;f] cjlwdf sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{g,

o; ;+:yfsf] s'g} ;xfos sDkgL g/x]sf] .

!@= ljut cfly{s jif{df sDkgLsf] cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/L, To:tf] ljj/0f gePsf] .

!#= ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / sDkgLsf] z]o/ sf/f]af/df lghx? ;+nUg /x]sf] eP ;f] ;DaGwdf lghx?af6 sDkgLn] k|fKt u/]sf] hfgsf/L,

qm=;+= Gffd y/ kb Wff/0f u/sf] z]o/ ;+Vof

s}lkmot

!= >L a'4L cs]nf cWoIf –

@= >L ?k]Gb| jfUn] ;b:o –

#= >L u0f]zk|;fb cj:yL ;b:o –

$= >L zfGtf lzjfsf]6L ;b:o

%= >L ljho/fh hf]zL ;b:o –

^= >L ldgk|;fb 1jfnL ;b:o *%%

&= >L clgd]z xnjfO{ ;b:o ^$$

*= >L ls/0f s'Fj/ Kf|d'v sfo{sf/L clws[t÷sDkgL ;lrj $^$

!$= ljut cfly{s jif{df sDkgL;Fu ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] af/]df pknAw u/fOPsf] hfgsf/Lsf] Joxf]/f, xfn;Dd To:tf] s'g} hfgsf/L gcfPsf] .

!%= sDkgLn] cfkmgf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfkmgf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / c+lst d"No tyf To;/L z]o/ vl/b u/]afkt sDkgLn] e'QmfgL u/]sf] /sd,

sDkgLn] cfkmgf] z]o/ cfkm} vl/b gu/]sf] .

!^= cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0f, n3'ljQ ;+:yfdf cfGtl/s lgoGq0f k|0ffnL Jojl:yt / ;'9[9 /xg cfjZos 5 . t;y{ of]hgf tyf

lg/LIf0f ljefu dfkm{t ;a} zfvf sfof{nox?sf] dfl;s ?kdf g} cg'udg tyf lgl/If0f ug]{ Pjd\ sfo{ ;Dkfbg d"Nof+sg ug]{ Joj:yf ul/Psf] 5 . ;+:yfsf] lgoldt tyf b}lgs sfo{x? ljefuLo k|d'vx?af6 ;d]t /]vb]v ug]{ tyf cg'udg clws[tx?af6 zfvfx?sf] ;'k/Lj]If0f ug]{ Joj:yf ldnfOPsf] 5 . cfGtl/s n]vf k/LIf0f sfo{sf] nflu cfGtl/s n]vfk/LIf0f ljefu u7g u/L ;f]xL ljefuaf6 cfGtl/s n]vfk/LIf0f sfo{ ;DkGg ul/Psf] 5 . cfGtl/s lgoGq0f k|0ffnL sdhf]/ ePdf hf]lvd a[l4 x'g] ePsfn] ;+:yfsf] hf]lvd Joj:yfkg ;ldlt /x]sf] / ;f] ;ldltsf] lgoldt q}dfl;s a}7s a;L hf]lvd Go"lgs/0f ug{sf nflu lgb]{zg ug]{ Joj:yf /x]sf] 5 . hf]lvd Joj:yfkg ;ldltdf lgDg ;b:ox? /xg' ePsf] 5 . qm=;= Gffd kb

! ;~rfns >L ldgk|;fb 1jfnL ;+of]hs @ ;~rfns tyf n]vfk/LIf0f ;ldltsf ;+of]hs zfGtf lzjfsf]6L ;b:o # shf{ ljefusf ljefu k|d'v, >L lbjz/fh cf]nL ;b:o—;lrj $ sfo{ ;~rfng ljefu k|d'v, >L olt/fh kf}8]n ;b:o

Hff]lvd Joj:yfkg ;ldltdf cfjZostf cg';f/ k|d'v sfo{sf/L clws[t nufot cGo ljefluo k|d'v ;d]tnfO{ cfdGq0f ug]{ gLlt /x]sf]5 . hf]lvd Joj:yfkg ;ldltsf] cfOl6 ;]So"l/6L nufotsf ;a} ;'emfjx? ;~rfns ;ldltsf] a}7sdf 5nkmn u/L nfu ug]{ ul/Psf] 5 . ;ldltsf] o; cjlwdf $ cf]6f a}7s a;]sf] / s'n vr{ ?=@#,))).)) /x]sf] 5 .


afx\o n]vfk/LIf0f sfo{ e§ P08 sDkgL n]vfk/LIfs, rf66{ PsfpG6]G6 >L o1/fh e§Ho"af6 ;DkGg ePsf] 5 . g]=/f=a}+saf6 jflif{s ?kdf ul/g] lg/LIf0f tyf ;f] qmddf eP u/]sf lgb]{zg Pjd\ s}lkmotx? ;d]tnfO{ qmdzM ;'wf/ ub} nluPsf] 5 . ;+:yfn] Joj;fodf lgxLt hf]lvdx?nfO{ Go"gLs/0f ug]{ tyf cfGtl/s lgoGq0f k|0ffnLnfO{ dha't agfpg g]=/f=a}+ssf] ;a} lgb]{zgx?sf] sfof{Gjogdf hf]8 lbOPsf] 5 .

!&= ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f, ljj/0f o; cf=j= )&%÷&^ ut cf=j= )&$÷&%

sd{rf/L vr{ 7,18,19,824.– 3,24,28,606.– cGo ;~rfng vr{ 2,91,64,156.– 2,01,75,272.– s'n Joj:yfkg vr{ 10,09,83,980.– 5,26,03,878.–

o;sf] lj:t[t ljj/0f cg';'rL $=!& / $=!* df pNn]v ul/Psf] 5 .

!*= n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, lghx?n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn] u/]sf] sfd sf/afxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f]sf] ljj/0f,

n]vfk/LIf0f ;ldltsf ;b:ox? lgDg 5g\ . qm=;= Gffd Kfb

! ;~rfns >L zfGtf lzjfsf]6L ;+of]hs @ ;~rfns >L clgd]z xnjfO{ ;b:o # cf=n]=k= ljefu k|d'v >L ;'/h ;]9fO{ ;b:o—;lrj

n]vfk/LIf0f ;ldltdf cfjZostf cg';f/ k|d'v sfo{sf/L clws[t, n]vfk/LIfs tyf cGo ljefluo k|d'v ;d]tnfO{ cfdGq0f ug]{ gLlt /x]sf] 5 . n]vfk/LIf0f ;ldltsf] ;'emfjx? ;~rfns ;ldltsf] a}7sdf 5nkmn u/L nfu' ug]{ ul/Psf] 5 . ;ldltsf] o; cjlwdf ^ j6f a}7s a;]sf] / s'n vr{ ?=$!,$)).)) /x]sf] 5 .

!(= ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f,

o; k|sf/sf] s'g} /sd o; ljQLo ;+:yfnfO{ a'emfpg afFsL 5}g .

@)= ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sd,

qm=;= Gffd kb e'Qmfg ul/Psf] kfl/>lds,

eQf tyf ;'ljwf s}lkmot

;+rfns ;ldtL ! >L a'4L cs]nf cWoIf ?= *%,%)).– @ >L ?k]Gb| jfUn] ;b:o ?= &^,%)).– # >L lbk]zafa' ltjf/L ;b:o ?= $@,))).– $ >L u0f]z cj:yL ;b:o ?= #$,%)).– % >L zfGtf lzjfsf]6L ;b:o ?= #$,%)).– ^ >L ljho/fh hf]zL ;b:o ?= &^,%)).– & >L ldgk|;fb 1jfnL ;b:o ?= %!,))).– * >L clgd]z xnjfO{ ;b:o ?= %!,))).–

n]vfk/LIfs ! o1/fh e§ n]vfk/LIfs,

rf66{ PsfpG6]G6 ?= !,##,*)).– -d'=c=s=;lxt_

e§ P08 sDkgL -a}wflgs n]vfk/LIfs_

sfo{sf/L k|d['v ! ls/0f s'Fj/ k|d'v sfo{sf/L clws[t tna tyf eQf ?= !*,#&,*)&.))

@!= z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sd, cf=j=@)&%÷&^ df z]o/wgLx?nfO{ e'QmfgL lbg afFsL nfef+z ?= &,(),$@%.– z]o/wgLx?n] a'lemlng afFsL /x]sf] /sd b]lvPsf] 5 . -cg';"rL $=^ df ;+nUg ePsf]_


@@= bkmf !$! adf]lhd ;DkQL vl/b jf laqmL u/]sf] s'/fsf] ljj/0f, o; lsl;dsf] s'g} ;DkQL vl/b ul/Psf] 5}g .

@#= bkmf !&% adf]lhd ;Da4 sDkgL aLr ePsf] sf/f]af/sf] ljj/0f, o; lsl;dsf] sf/f]af/sf] ul/Psf] 5}g .

@$= o; P]g tyf k|rlnt sfg"g adf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'g} s'/f, 5}g .

@%= n]vfk/LIfs -!_ cfGtl/s n]vfk/LIf0f

cf=j= @)&%÷&^ df cfGtl/s n]vfk/LIf0f ;+:yfsf] cfGtl/s n]vfk/LIf0f ljefuaf6 ;DkGg ePsf] lyof] . -@_ jfx\o n]vfk/LIf0f ;+:yfsf] cf=j= @)&%÷&^ sf] a}wflgs n]vfk/LIf0f e§ P08 sDkgLsf l;=P=>L o1/fh e§af6 ;DkGg

ePsf] lyof] .

@^= wGojfb cGtdf, o; ljQLo ;+:yfsf] ljsf; tyf ljQLo sf/f]jf/sf] lj:tf/sf nflu ;+:yfsf] :yfkgfsfnb]lv k|ToIf tyf ck|ToIf ?kdf ;xof]u k'¥ofpg] g]=/f= a}+s, a}+s tyf ljQLo ;+:yf lgodg ljefu Pjd\\ n3'k|j4{g tyf ;'k/Lj]If0f ljefu, sDkgL /lh:6«f/sf] sfof{no, g]kfn lwtf]kq af]8{, g]kfn :6s PS;r]~h, l;=l8=P; P08 Sn]o/Lª xfp; ln=, z]o/ /lhi6f/ Unf]an cfOPdO{ Soflk6n ln=, cfGtl/s /fh:j sfof{no bdf}nL, ljkGg ju{ nufgL If]qsf nflu ;fk6L k|bfg ug'{x'g] ;a} a}+s tyf ljQLo ;+:yfx? / k|j4{s sDkgL >L Unf]an cfOPdO{ a}+s ln= sf] cltl/Qm Joj;flos sf/f]af/ ePsf cGo ;a} a}+s ljQLo ;+:yfx?, g]kfn n3'ljQ a}+s;{ P;f]l;P;g, ;j{;fwf/0f z]o/wgL dxfg'efjx? tyf o; ;+:yfsf w/f]x/ cfb/0fLo ;b:o u|fxsx? ;a}nfO{ xflb{s cfef/ Pjd\\ s[t1tf k|s6 ub{5' . tf]lsPsf] ;dod} n]vfk/LIf0f sfo{ ;DkGg u/L ;xof]u ug{' ePsf]n] n]vfk/LIfsnfO{ ;~rfns ;ldltsf] tkm{af6 xflb{s wGojfb JoQm ub{5' ;fy} o; ;+:yfsf] cu|ult / Jofj;flos ljsf;sf] nflu k|d'v sfo{sf/L clws[t nufot Joj:yfkg l6d Pjd\\ ;Dk"0f{ sd{rf/Lx?sf] st{Jolgi7tf, nuglzntf Pjd\\ sl7g kl/>dsf] ;/fxgf ub}{ ;~rfns ;ldltsf] tkm{af6 xflb{s wGojfb JoQm ub{5' .

a'l4 cs]nf

cWoIf


lwtf]kq btf{ tyf lgisf;g lgodfjnL,@)&# sf] lgod @^ sf] pklgod -@_ ;“u ;DalGwt jflif{s k|ltj]bg

!= ;~rfns ;ldltsf] k|ltj]bg M o;} jflif{s k|ltj]bgdf ;+nUg ul/Psf] .

@= n]vfk/LIfssf] k|ltj]bg o;} jflif{s k|ltj]bgdf ;+nUg ul/Psf] .

#= n]vfk/LIf0f ePsf] ljQLo ljj/0f M o;} jflif{s k|ltj]bgdf ;+nUg ul/Psf] .

$= sfg'gL sf/jfxL ;DaGwL ljj/0f M -s_ o; cjlwdf o; ;+:yfn] s'g} d'4f bfo/ ePsf] 5}g . -v_ o; ;+ul7t ;+:yfsf] ;+:yfks jf ;+rfnsn] jf ;+:yfks jf ;+rfnssf] lj?4df k|rlnt lgod sfg'gsf]

cj1f jf kmf}hbf/L ck/fw u/]sf] ;DaGwdf s'g} d'4f bfo/ u/]sf] jf ePsf] af/] hfgsf/Ldf cfPsf] 5}g\ . -u_ s'g} ;+:yfks jf ;+rfns la?4 cfly{s ck/fw u/]sf] ;DaGwdf s'g} d'4f bfo/ u/]sf] jf ePsf]

hfgsf/Ldf cfPsf] 5}g\ .

%= ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ tyf k|utLsf] ljZn]if0f M s= lwtf]kq ahf/df ePsf] ;+ul7t ;+:yfsf] z]o/sf] sf/f]jf/ ;DjGwdf Joj:yfkgsf] wf/0ff ,

;+:yfsf] z]o/ d"No lwtf]kq ahf/sf] gLlt lgoddf /lx v'Nnf ahf/n] lgwf{/0f ug]{ u/]sf] / ;f]lx adf]lhd g} z]o/ sf/f]af/ x'g] u/]sf] 5 . k"FhLahf/df nufgL stf{x?sf] pT;fxhgs ;xeflutf ePsf]n] ;+:yf k|ltsf] ljZjf; pRr /x]sf] b]lvG5 .

v= cfly{s jif{= @)&%.&^ df ;+ul7t ;+:yfsf] z]o/sf] clwstd, Go"gtd / clGtd d"Nosf ;fy} s'n sf/f]jf/ z]o/ ;+Vof / sf/f]af/ lbg .

ljj/0f )&% cflZjg

d;fGt )&% Kff}if d;fGt

)&% r}q d;fGt

)&^ cfiff9 d;fGt

)&^ cflZjg d;fGt

clwstd d'No !@(% !@&) !@$% !$!* &(# Go'gtd d'No ((% (!$ (^* !)%@ ^*) clGtd d'No !!*( !!&# !)!@ !@)@ &)# s'n sf/f]af/ z]o/ ;+Vof !@!$! !$*^& !%!&^ %@(@@ #@@(& s'n sf/f]af/ lbg %( %@ %$ ^@ %* s'n sf/f]jf/ ;+Vof #(@ $!) #^# !)*^ ^@(

^= ;d:of, r'gf}tL tyf /0fgLlt ;d:of M a}+sx?df e}/x]sf] Jofhb/sf] ptf/ / r9fj, gLltut tyf cfly{s gLltx?df kl/jt{g, jx'ljQLos/0f, shf{df bf]xf]/f]kgfsf] sf/0f ls:tf cz'nLdf ;d:of, ;b:ox?df ljQLo ;fIf/tfsf] sdL, sd{rf/Ldf ;+:yf 5f]8\g] k|j[lQ / sf]if Joj:yfkg cflb .

r'gf}lt M /fhgLlts tyf cfly{s kl/jt{g, lta| k|lt:kwf{, u|fdL0f If]qdf zflGt ;'/Iffsf] cefj, k|fs[lts k|sf]k, u|fdL0f If]qdf oftfoft tyf ;~rf/sf] cefj .

/0fgLlt M ;b:ox?sf] ;d[4 eljio d"n dGq /fvL b]zsf b'/b/fhsf If]qx?df ljQLo kxF'r u/fpg] p2]Zox? ;lxt g]kfnsf u|fdL0f ;dfhdf /x]sf ljkGg tyf Go"g cfo >f]t ePsf ju{nfO{ cfTdlge{/, :jfjnDjL / r]tgzLn agfpFb} pgLx?sf] cfly{s, ;fdflhs, ;fF:s[lts Pjd\ dfgjLo ljsf;sf nIox? /fv]/ ;b:osf] hLjg:t/ a9fpFb} b]zdf ljBdfg ul/aLnfO{ Go"lgs/0f ug]{ / b]zsf] cy{tGqnfO{ ;jn tyf ;'b[9 agfpg ;xof]u k'¥ofpg cfkm\gf] ;]jf tyf ;'ljwfx? lj:tf/ ug]{ tyf ljljlws/0fsf dfWodaf6 ;a} eGbf pTs[i6 ;]jf k|bfg u/L ljQLo kx'Fraf6 al~rt /x]sfx?nfO{ nlIft u/L n3' ljQLo a+}lsË sfo{qmdsf dfWodaf6 :j/f]huf/Lsf cj;/x? l;h{gf u/L cfo:t/df a[l4 ug]{ /0fgLlt lnOPsf] 5 . ;fy} ;+:yfaf6 lagf lwtf] ;fd'lxs hdfgLdf tyf lwtf]


hdfgLdf ;b:ox?nfO{ ;'ne shf{ pknAw u/fO{ ;Lk Pjd\\ s[lif k|fljlws ;]jf dfkm{t Joj;fod'vL agfpFb} n}hfg] of]hgfsf ;fy cfufdL jif{ lgDg /0fgLltx? cl3 ;fl/Psf] 5 . sd{rf/Lx?sf] sfo{s'zntfdf a[l4 ug]{ . sfo{;Dkfbg u'0f:t/o'Qm agfpg] . ;+:yfsf] k|lti7f pRr agfpg] . ;b:ox?sf] klxnf] /f]hfO{ aGg] . k|ljlwo"Qm ;]jf ;'ljwfx? a9fpg] .

&_ ;+:yfut ;'zf;gM o; ;+:yfn] b]zdf ljBdfg lgodgsf/L lgsfox?sf] P]g, sfg'g tyf gLlt lgodx? / lgb]{zgx?sf] kl/kfng u/L Joj;fo ;~rfng ub}{ cfPsf] 5 . ;+rfns tyf Joj:yfkg txdf n]vfk/LIf0f ;ldlt, sd{rf/L ;]jf ;'ljwf ;ldlt, hf]lvd Joj:yfkg ;ldlt nufot cGo cfjZos pk;ldltx?sf] u7g e} lgoldt ?kdf sfo{ ;~rfng ug{ ;ldlt tyf Joj:yfkg k|lta4 /x]sf] 5 . ;+rfns ;ldlt, Joj:yfkg, z]o/wgLx? Nfufot ;Dk"0f{ ;/f]sf/jfnfx?sf] xLt ;+/If0f tyf ;Dj4{g ug{ ;b}j k|ltj4 /xL g]kfn /fi6« a}+s tyf ljBdfg P]g sfg'g / cGo lgodgsf/L lgsfox?sf] lgb]{zg kfngf u/L ;+:yfut ;'zf;gnfO{ pRr k|fyldstfdf /fv]/ ;+rfns ;ldltn] k|aGwkq, lgodfjnL, ljj/0f–kq, sd{rf/L ;]jf ljlgodfjnL, cfly{s k|zf;g ljlgodfjnL, shf{ ckn]vg ljlgodfjnL nfu' ul/Psf] 5 . ;fy} shf{ gLlt, hf]lvd Joj:yfkg gLlt, nufgL gLlt, nfef+z gLlt, ;DkQL tyf bfloTj Joj:yfkg gLlt, art tyf sf]if kl/rfng gLlt, u|fxs klxrfg gLlt, n]vf gLlt, ;"rgf k|ljlw lgb]{lzsf, cfGtl/s n]vf kl/If0f lgb]{lzsf, gub ;~rfng lgb]{lzsf, art ;+sng tyf e'QmfgL lgb]{lzsf, n3' Joj;flos shf{ lgb]{lzsf, ;b:o u|fxs u'gf;f ;dfwfg lgb]{lzsf, ;d'x ;~rfng k"j{ tflnd sfo{ljlw, u|fxs klxrfg sfo{ljlw, u|fxs ;+/If0f sf]if ;~rfng sfo{ljlw, cflb agfO{ nfu' ul/]Psf] 5 . ;+:yfn] cfkmgf] sf/f]af/nfO{ r':t b'?:t agfpg Pjd\ cfGtl/s lgoGq0f k|0ffnLnfO{ k|efjsf/L agfpg cfGtl/s n]vf k/LIf0f ljefu v8f u/L sfo{ ;~rfng ePsf] 5 .

*_ ;"lrs[t ;+ul7t ;+:yfx?sf] ;+:yfut ;'zf;g ;DalGw lgb]{lzsf, @)&$ sf] bkmf @) sf] pkbkmf $ adf]lhdsf] k|dfl0ft ;f/fFz ljj/0fM o; n3'ljQ ljQLo ;+:yf ln=df & ;b:oLo ;~rfns ;ldlt /x]sf] 5 h;sf] cWoIf >L a'l4 cs]nf x'g' xG5 . ;+:yfsf] z]o/ ;+/rgfdf ;+:yfks / ;j{;fwf/0f z]o/wgLx?sf] qmdzM &) / #) k|ltzt z]o/ :jfldTj /x]sf] 5 . cfly{s jif{ @)&%÷&^ df ;~rfns ;ldltsf] !* j6f a}7s a;]sf] 5 . ;+:yfn] @ nuftf/ a;]sf] a}7ssf] clwstd cGt/ $@ lbg /x]sf] 5 / a}+s tyf ljQLo ;+:yf ;DalGw P]g @)&# cg';f/ ;~rfns ;ldltsf] @ j6f a}7ssf] aLrsf] km/s ^) lbg eGbf al9 x'g gx'g] k|fjwfgsf] kfngf ePsf] 5 . s'g} klg a}7s u0fk'/s gk'uL :ylut ePsf] 5}g . cf=j=@)&%÷)&^ cGtu{t ldlt @)&%.&.@( ut] j;]sf]] ;fwf/0f ;efaf6 lgwf{/0f u/] cg';f/ ;~rfns ;ldltsf] a}7s eQf :j?k cWoIfnfO{ ?= %))).– / cGo ;~rfnsnfO{ ?= $%)).– k|bfg ul/Psf] 5 . cf=j=@)&%÷&^ sf] ;~rfns ;ldltsf] s'n a}7s vr{ ?=%,((,^^@.– /x]sf] 5 . g]kfn /fi6« a}+saf6 æ3Æ ju{sf] n3'ljQ ljQLo ;+:yfnfO{ hf/L lgb]{zg df pNn]v ePsf] ;~rfnssf] cfrf/ ;+lxtfsf] kfngf ePsf] 5 / ;~rfnsx?nfO{ ljleGg ;+:yfaf6 cfof]lht ;~rfns lzIff sfo{qmddf ;xefuL u/fOPsf] 5 .

;+:yfdf $ ;b:oLo hf]lvd Joj:yfkg ;ldlt /x]sf] 5 h;sf] cf=j= @)&%÷&^ df $ k6s a}7s a;]sf] 5 . ;f] ;ldltn] g]=/f=a}+ssf] lgb]{zg jdf]lhd a}7s a;L sfo{ u/]sf 5g . ;+:yfdf ljBdfg # ;b:oLo n]vfk/LIf0f ;ldltn] cf=j=@)&%÷&^ sf] cjlwdf ^ k6s a}7s a;]sf] 5 . ;+:yfsf] cfGtl/s n]vfk/LIf0f sfo{ ug{sf nflu cfGtl/s n]vfk/LIf0f ljefu /x]sf] 5 . n]=k= ljefun] kTo]s zfvfsf] cfn]k u/L n]vfk/LIf0f ;ldltdf k|ltj]bg k]z ug]{ Joj:yf /x]sf] 5 . ;j{;fwf/0fnfO{ pknAw u/fpg'kg]{ ;"rgf tyf hfgsf/Lx? tflsPsf] ;do l;df leq /fli6«o:t/sf] klqsfdf tyf ;+:yfsf] j]j;fO6df k|sfzg ul/Psf] 5 . sd{rf/Lx?sf] egf{ tyf 5gf}6 k|lqmof, eQf tyf cGo ;'ljwfx?, xflh/L tyf ljbf / cfrf/;+lxtf nufot s'/fx? ;+:yfsf] sd{rf/L ;]jf ljlgodfjnL @)&) adf]lhd sfd sf/jfxL xF'b} cfPsf] 5 . ;+:yfsf] ;fª\7lgs ;+/rgf ;~rfns ;ldltn] lgwf{/0f u/] adf]lhd /x]sf] 5 . k|To]s jif{ sd{rf/Lx?sf] bIftf clea[l4sf nflu cfGtl/s tflndx? ;~rfng ul/Psf 5g . ;fy} cGo ;+:yfaf6 ;~rflnt tflnd sfo{qmdx? tyf ljb]zdf ;d]t ;xefuLtf u/fOPsf] 5 . g]=/f=a}+s nufotsf lgodgsf/L lgsfoaf6 ;do ;dodf hf/L ePsf lgb]{zg tyf kl/kqx?sf] kl/kfng ub}{ cfPsf] tyf ;+:yfsf] lg/LIf0f tyf ;'k/Lj]If0fsf qmddf lbOPsf lgb}{zg tyf s}lkmotx? ;'wf/ ul/Psf] 5 .


Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 Af]l;zx/–*, ndh'ª, g]kfn @)&^ ;fn cfiff9 d;fGtsf]

jf;nft

k"FhL tyf bfloTj cg;"rL o; aif{ ?= ut=aif{ =?= != z]o/ k"FhL $=! 22,65,23,275 11,04,57,500 @= hu]8f tyf sf]ifx? $=@ 4,22,66,756 1,54,41,481 #= C0fkq tyf aG8 $=# - - $= ltg{ afFls shf{ ;fk6 $=$ 25,228,56,884 99,46,37,838 %= lgIf]k bfloTj $=% 8746,77,774 3608,88,323 ^= k|:tfljt gub nfef+z 20,34,743 7,58,289 &= cfos/ bfloTj - 54,687 *= cGo bfloTj $=^ 633,24,091 34863532

s'n k'Flh tyf bfloTj 37316,83,523 1517101652

;Dklt cg;'rL rfn' cf=j=?= ut=cf=j=?=

!= gub df}Hbft -l;Ssf ;d]]t_ 1,58,584 2,31,355 @= g]kfn /fi6« a}+sdf /x]sf] df}Hbft #= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft $=& 4668,21,638 2267,88,338 $= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd - %= nufgL $=* 413,20,625 1813,20,625 ^= shf{ tyf ;fk6 $=( 31883,68,761 10863,69,392 &= l:y/ ;DkQL $=!) 275,91,136 184,90,479 *= u}/ a}lsË ;DkQL $=!! - - (= cGo ;DkQL $=!@ 74,22,779 39,01,464

s'n ;DkQL 37316,83,523 15171,01,652

;+efljt bfloTj cg";'rL $=!# ;~rfnsx?sf] 3f]if0ff cg";'rL $=@# k"hLsf]if tflnsf cg";'rL $=@$ hf]lvd efl/t ;Dklt ljj/0f tflnsf cg";'rL $=@$-s_ k|d"v ;"rsfÍx? cg";'rL $=@% k|d"v n]vf gLltx? cg";'rL $=@^ n]vf ;DjGwL l6Kk0fLx? cg";'rL $=@& $=! b]lv $=!# ;Ddsf cg";'rLx? jf;nftsf cleGg c+u x'g\ .

xfd|f] cfhsf] ldltsf] ;+nUg k|ltj]bgsf] cfwf/df .

ldgk|;fb 1jfnL];~rfns

zfGtf lzjfsf]6L ;~rfns

?k]Gb| jfUn];~rfns

a'l4 cs]nfcWoIf

ljho/fh hf]zL;~rfns

ls/0f s'Fj/k|d'v sfo{sf/L clws[t

kbdaxfb'/ l3ld/]k|d'v, ljQ ljefu

Pkm= ;L= P= o1/fh e§e§ P08 sDkgL

rf68{ PsfpG6]G6;\

ldltM @)&^÷)$÷#@sf7df08f}

u0f]zk|;fb cj:yL ;~rfns

clgd]z xnjfO{;~rfns


Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 Af]l;zx/–*, ndh'ª, g]kfn

ldlt @)&%÷)$÷)! b]lv @)&^÷)#÷#! ;Dd gfkmf gf]S;fg lx;fj

ljj/0f cg";'rL rfn' cf=j=? ut cf=j=? != Jofh cfDbfgL $=!$ 3958,85,939 1440,79,892 @= Jofh vr{ $=!% 2527,28,822 865,67,121

v'b Aofh cfDbfgL 1431,57,116 575,12,771 #= sldzg tyf cGo ;~rfng cfDbfgL $=!^ 853,88,905 244,10,254 $= ;6xL 36j9 cfDbfgL - -

s'n ;~rfng cfDbfgL 2285,46,022 819,23,025 %= sd{rf/L vr{ $=!& 718,19,824 324,28,606 ^= cGo ;~rfng vr{ $=!* 291,64,156 201,75,272 &= ;6xL 36j9 gf]S;fg - - ;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 1275,62,042 293,19,148 *= ;Defljt gf]S;fgL Joj:yfx? $=!( 249,20,126 49,72,493

;+rfng d'gfkmf 1026,41,916 243,46,655 (= u}/ ;~rfng cfDbfgL÷vr{ $=@) 43,92,395 4,00,944 !)= ;Defljt gf]S;fgL Aoj:yf af6 lkmtf{ $=@! -

lgoldt sf/f]jf/af6 ePsf] d'gfkmf 1070,34,311 247,47,599 !!= c;fdfGo sf/f]jf/af6 ePsf] cfDbfgL÷vr{ $=@@ - -

;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf -gf]S;fg_ 1070,34,311 247,47,599 !@= sd{rf/L af]g; Aoj:yf 97,30,392 22,49,782 !#= cfos/ Joj:yf 291,16,692 67,84,973 o; jif{sf] s/ Joj:yf 303,99,644 72,06,777 ljut jif{;Ddsf] s/ Joj:yf - o; jif{sf]] :yug s/ -cfDbfgL_÷vr{ (12,82,952) (4,21,804)

v'b gfkmf÷gf]S;fg 681,87,228 157,12,844

$=!$ b]lv $=@@ ;Ddsf cg';"rLx? gfkmf gf]S;fg lx;fjsf cleGg c+u x'g\ . xfd|f] cfhsf] ldltsf] ;+nUg k|ltj]bgsf] cfwf/df .



?k]Gb| jfUn];~rfns

a'l4 cs]nfcWoIf

ljho/fh hf]zL;~rfns




rf68{ PsfpG6]G6;\



clgd]z xnjfO{;~rfns


Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 Af]l;zx/–*, ndh'ª, g]kfn gfkmf gf]S;fg jfF8kmfF8 lx;fj

ldlt @)&%÷)$÷)! b]lv @)&^÷)#÷#! ;Dd

ljj/0f cg';'rL o; jif{ ? ut jif{ ? cfDbfgL != ut jif{;Ddsf] ;+lrt d"gfkmf 33,30,054 7,90,995 @= o; jif{sf] d"gfkmf 681,87,228 157,12,844 #= z]o/ lk|ldodaf6 gfkmf gf]S;fgdf lx;fadf ;f/]sf] - 54,48,830 $= :yug s/ sf]ifaf6 lkmtf{ - -

hDdf 715,17,281 219,52,669 vr{ != ut jif{;Ddsf] ;+lrt gf]S;fg - - @= o; jif{sf] gf]S;fg - - #= ;fwf/0f hu]8f sf]if 136,37,446.00 31,42,569 $= e}k/L cfpg] hu]8f - - %= ;+:yf ljsf; sf]if - - ^= nfef+z ;dLs/0f sf]if - - &= sd{rf/L ;DjGwL hu]8fx? - - *= k|:tfljt nfef+z 20,34,743.42 7,58,289 (= k|:tfljt af]g; z]o/ 386,60,125.00 144,07,500 !)= ljz]if hu]8f sf]if - - !!= ;6xL 36a9 sf]if - - !@= k"FhL lkmtf{ hu]8f sf]if - - !#= k"FhL ;dfof]hg sf]if - - !$= :yug s/ sf]if 19,38,806.00 - !%= u|fxs ;+/If0f sf]if 53,32,714.38 1,57,128 ! +̂= ;fdflhs pt/bfloTj sf]if 6,81,872.28 1,57,128

hDdf 622,85,707 186,22,615 !^= ;l~rt d"gfkmf÷-gf]S;fg_ 92,31,574 33,30,054




?k]Gb| jfUn];~rfns

a'l4 cs]nfcWoIf

ljho/fh hf]zL;~rfns




rf68{ PsfpG6]G6;\



clgd]z xnjfO{;~rfns


Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 Af]l;zx/–*, ndh'ª, g]kfn

gub k|jfx ljj/0f ldlt @)&%÷)$÷)! b]lv @)&^÷)#÷#! ;Dd

s|=;+= ljj/0f o; jif{ ?= ut jif{ ?= -s_ sf/f]af/ ;+rfngaf6 gub k|jfx 3,75,50,508 1745,98,849 ! gub k|flKt 48,56,67,240 1687,21,405 !=! Aofh cfDbfgL 3958,85,939 1439,17,221 !=@ sldzg tyf cGo cfDbfgL 897,81,301 248,04,184 !=# ckn]lvt shf{sf] c;'nL - - @ gub e'QmfgL 3591,36,308 1362,34,387 Jofh vr{ 2349,67,224 800,19,669 sd{rf/L vr{ 688,68,791 315,06,887 sfof{no ;+rfng vr{ 246,89,924 180,78,151 cfos/ e'QmfgL 306,10,369 66,29,680 cGo vr{ - sfo{ut k'+lh ultljlw cl3sf] gub k|jfx 1265,30,932 324,87,018 ;~rfng ;DjlGw rfn" ;DkQLdf sdL÷-j[l¢_ (21290,01,821) (6246,48,926) 1= dfu tyf cNk ;"rgfdf k|fKt x"g] /sddf sdL÷-a[l4_ - 2= cGo cNksfnLg nufgLdf sdL÷-a[l4_ - 3= shf{df sdL÷-a[l4_ (21269,19,495) (6456,13,934) 4= cGo ;Dkltdf sdL÷-j[l¢_ (20,82,326) 209,65,009 ;~rfng ;DjlGw rfn" bfloTjdf -sdL_÷a[l4 2040021397 7667,60,757 1= lgIf]k bfloTjdf -sdL_÷j[l¢ 5137,89,451 1974,84,616 3= cNksfnLg ;fk6Ldf -sdL_ ÷a[l4 15282,19,046 5653,51,563 4= cGo bfloTjdf -sdL_÷ a[l4 1987100 39,24,579 -v_ nufgL sf/f]jf/df gub k|jfx 1264,25,110 (666,94,877) ! bL3{sfnLg nufgLdf sdL÷-a[l4_ - @ :yL/ ;Dkltdf sdL÷-j[l¢_ (135,74,890) (24,94,877) # bL3{sfnLg nufgLdf Jofh cfDbfgL - $ nfef+z cfDbfgL - % cNksfnLg nufgLdf sdL÷-a[l4_ 1400,00,000 (642,00,000) -u_ ljQLo >f]t sf/f]jf/af6 gub k|jfx 759,84,911 115,38,414 != bL3{sfnLg C0f -j08, l8j]Gr/ cflb_ df a[l4÷-sdL_ - @ z]o/ k+"hLdf j[l¢÷-sdL_ 774,05,650 133,54,430 #= cGo bfloTjdf a[l4÷-sdL_ (7,53,654) (18,16,016) $= ;+lrt gfkmfdf ePsf] a[l4 / -sdL_ (6,67,084) %= g]kfn /fi6« a}+saf6 k||fKt ;x'lnot÷k'g/shf{df j[l¢÷-sdL_ - -3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6

cfDbfgL÷vr{ - -

-ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 239960529 1194,42,386 -r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 2270,19,693 1075,77,308 -5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 466980222 2270,19,693



Unf]a

n c

fOPd

O{ n3'ljQ ljQ

Lo ;

+:yf ln

ld6]8

Af]l;

zx/

–*, ndh'ª, g

]kfn

OSjL

6Ldf ePs

f] kl/j

t{g ;

DjGw

L ljj/

0f

cf=

j= @

)&%÷

&^

-?_

ljj/

0f

z]o/

k"FhL

k |:tflj

t a

f]gz

z]o/

;l~rt=g

f=gf]=

;fwf/0f h

u]8f

sf]if

k "FhLu

t

hu]8

f sf]if

z]o/

l k|ld

od

;6x

L 36a

9 sf]if

: yug

s/

hu]8

f u|f

xs ;

+/If0f

sf]if

;fd

flhs

pt/b

floTj

sf]if

s'n /

sd

z'?

df}Hbft

1

104,5

7,50

0 -

3

3,30

,054

11

1,90

,885

-

-

-

-

6,5

2,76

3 2

,67,

779

125

8,9

8,9

81

:yu

g s/

(19,

38,8

06)

19,38,8

06

-

;dfof]lh

t z'?

Df}Hb

ft

(4

,00,

125)

(2

,66,

960)

(6

,67,

084)

;dfo

f]hg

-

o;

aif{

sn O

g P8

\efG; a

f6

k|fKt

/sd -@)

&%.&^_

774

,05,

650

-

-

774

,05,

650

k|:tf

ljt

af]]gz

z]o/

-

3

86,

60,1

25

(386,

60,1

25)

o; a

if{sf]] gf

kmf

6

81,

87,

228

-

6

81,87,

228

;fwf/0f h

u]8f sf]if

(136

,37,

446)

1

36,3

7,446

-

:yug

s/

hu]8f

lkmtf{

-

-

k|:tf

ljt

gub

nfe

f+z

-

(2

0,34

,743)

(20

,34,7

43)

u|fxs

;+/I

f0f sf]if

-

(53

,32,

714)

53,32

,714

-

;fd

flhs p

t/b

floTj

sf]if

(6,

81,872

)

6

,81,872

-

z]o/

lk|ldod

af6

/sdfGt/

-

-

-

clGt

d d

f}Hbft

1878

,63,

150

386,

60,1

25

92,

31,5

74 2

48,2

8,3

31

-

-

-

19,38,8

06

55,

85,

353

6,8

2,69

2 2

687,

90,0

31

ldgk

|;fb 1

jfnL]

;~r

fns

zfGt

f lzjfsf]6L

;~r

fns

?k]Gb|

jfUn]

;~r

fns

a'l4 c

s]nf

cWoIf

ljho/

fh h

f]zL

;~r

fns

ls/0f s'Fj/

k|d'v s

fo{sf/L clws[t

kbda

xfb'/ l3ld/]

k|d'v, ljQ lje

fu

Pkm= ;L= P= o

1/fh e

§e§

P08

sDkgL

rf68{ P

sfpG6]G6;\

u0f]zk|;

fb c

j:yL

;~r

fns

clgd]z

xnjfO{

;~r

fns


cg";'rL $=!

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 z]o/ k"FhL tyf :jfldTj

@)&^ ;fn cfiff9 d;fGtsf]

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

!= z]o/ k"FhL

!=! clws[t k"FhL

s_ #),)),))) ;fwf/0f z]o/ k|lt ?= !)) n] 3000,00,000.00 2000,00,000.00

v_ ====gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ? =====n] - -

u_ ====l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ? =======n] - -

!=@ hf/L k"FhL -

s_ !!,)$,%&% ;fwf/0f z]o/ k|lt ? !))= n] 1104,57,500.00 960,50,000.00

v_ === gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ? ===n]] - -

u_ ==== l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ? =======n] - -

!=# r"Qmf k"FhL -

s_ !!,)$,%&% ;fwf/0f z]o/ k|lt ? !))= n] 1104,57,500.00 960,50,000.00

v_ ====gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ? =====n] - -

u_ === gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ? =====n] - -

3_ ===== l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ? =====n] - -

!=$ k|:tfljt jf]gz z]o/ 386,60,125.00 144,07,500.00

!=% clu|d ?kdf z]o/ nufgL (Call in Advance) 774,05,650.00 -

!=^ hDdf /sd -!=#±!=$±!=%_ 2265,23,275.00 1104,57,500.00

z]o/ :jfldTj ljj/0f o; jif{ ?= ut jif{ ?=

k|ltzt z]o/ k"FhL z]o/ k"FhL

!= :jb]lz :jfldTj 100.00 1104,57,500.00 960,50,000.00

!=! g]kfn ;/sf/ 0.00 - -

!=@ s ju{sf Ohfht kfKt ;+:yfx?

70.00 773,20,250.00 672,35,000.00

!=# cGo ju{sf Ohfht kq k|fKt ;+:yfx? 0.00 - -

!=$ cGo ;+:yfx? 2.70 29,81,676.00 5,34,555.00

!=% ;j{;fwf/0f 27.30 301,55,574.00 282,80,445.00

!=^ cGo 0.00 -

@= a}b]lzs :jfldTj 0.00 - -

hDdf 100 1104,57,500.00 960,50,000.00


cg";'rL $=@

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 hu]8f tyf sf]ifx? cf= j= @)&%÷&^

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

!= ;fwf/0f÷a}wflgs hu]8f sf]if 248,28,330.96 111,90,884.96 @= k"FhLut hu]8f sf]if - - #= k"FhL lkmtf{ hu]8f sf]if (Capital Redemption Reserve) - - $= k"FhL ;dfof]hg sf]if - %= cGo hu]8f tyf sf]if 82,06,850.96 9,20,542.78 %=!= e}k/L cfpg] hu]8f - - %=@= ;+:yf ljsf; sf]if - - %=#= nfef+z ;lds/0f sf]if - - %=$= ljz]if hu]8f sf]if - - %=%= ;DkQL k'gd"{NofÍg sf]if - - %=^= :yug s/ hu]8f 19,38,806.00 - %=&= cGo :jtGq sf]if - - %=(= cGo hu]8f sf]if - - %=(=! u|fxs ;+/If0f sf]if 55,85,353.24 6,52,763.40 %=(=@ ;fdflhs pt/bfloTj sf]if 6,82,691.72 2,67,779.37 ^= ;l~rt gfkmf÷gf]S;fg 92,31,574.07 33,30,053.64 &= ;6xL 36j9 sf]if - - hDdf 422,66,755.99 154,41,481.37

cg";'rL $=#

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 C0fkq tyf j08


ljj/0f o; jif{ ?= ut jif{ ? !=====k|ltzt j08÷C0fkq k|lt j08÷C0fkq=======?= n]==ldlt =========df hf/L ePsf] / ldlt =====df r'Qmf x'g] -xfn;Ddsf] Redemption Reserve /sd ?= ==========_ - - @===========k|ltzt j08÷C0fkq k|lt j08÷C0fkq=======?= n]==ldlt =========df hf/L ePsf] / ldlt =====df r'Qmf x'g] -xfn;Ddsf] Redemption Reserve /sd ?= ==========_ # ======== ========= - - $= hDdf !+@+# - -


cg";'rL $=$

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 ltg{ afFsL shf{ -;fk6L_


ljj/0f o; jif{ ?= ut jif{ ?= s= :jb]zL != g]kfn ;/sf/ - - @= g]kfn /fi6« a}+s - - #= l/kf] bfloTj - - $= cGt/ a}+s tyf ljQLo ;+:yf 25228,56,884 9946,37,838 %= cGo ;+ul7t ;+:yfx? - - ^= cGo -

hDdf 25228,56,884 9946,37,838 v= ljb]zL != a}+sx? - - @= cGo - -

hDdf - - u= hDdf-s+v_ 25228,56,884 9946,37,838

cg";'rL $=%

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 lgIf]k lx;fj


ljj/0f o; jif{ ?= ut jif{ ?= != Aofh ltg'{ gkg]{ vftfx? - !+=! jQLo ;+:yfx? !=@ cGo ;+ul7tx? !++=@ JolQmut @= Jofh ltg'{ gkg]{ vftfx?sf] hDdf - - s= art lx;fj !=! ;+3 ;:yfx? - !=@ JolQmut 8746,77,774 3608,88,323 !=# cGo v= d'2tL lx;fj - !=! ;+3 ;:yfx? !=@ JolQmut - !=# cGo - - Jofh ltg'{ kg]{ vftfx?sf] hDdf 8746,77,774 3608,88,323

hDdf lgIf]k -!+@_ 8746,77,774 3608,88,323


cg";'rL $=^

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 cGo bfloTj


ljj/0f o; jif{ ?= ut jif{ ?= != k]G;g÷pkbfg sf]if 18,94,680 8,22,078 @= labf jfktsf]] Joj:yf 29,99,886 12,89,769 #= sd{rf/L ;~ro sf]if 9,36,383 - $= sd{rf/L sNof0f sf]if - - %= sd{rf/L jf]g; Joj:yf 97,30,392 22,49,782 ^= lgIf]kdf e'QmfgL lbg afFsL Aofh 273,51,522 95,89,923 &= ;fk6Ldf e'QmfgL lbg afFsL Aofh - - *= ;08«L qm]l86;{ 21,63,136 9,76,068 (= zfvf ldnfg lx;fj - - !)= :yug s/ bfloTj - !!= e'QmfgL lbg'kg]{ ljnx? - - !@= e'QmfgL lbg jfFls nfef+z

7,90,425 7,85,790 !#= cGo

174,57,668 19150123 !#=! e'QmfgL lbg jfFsL n]vf k/LIf0f z'Ns

1,33,800 1,23,286 !#=@ e'QmfgL lbg jfFsL clu|d s/ sl§ /sd

7,53,236 3,46,683 !#=# e'tmfgL lbg jfFsL vr{ tyf ljnx?

10,56,239 1,20,100 !#=$ ;b:o ;'/If0f sf]if -u|fxs ;+/If0f_ 155,14,394 184,92,467 !#+=% sd{rf/L bIftf clea[l4 sf]if - 67,588 hDdf 633,24,091 34863532

cg";'rL $=&

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 a}+s tyf ljQLo ;:yfdf /x]sf] df}Hbft


ljj/0f :jb]zL d'b|f ljb]zL d'b|f ?=df s'n ?= ut jif{ ?=

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

!= :jb]zL Ohfhtkqk|fKt ;+:yfx? - - - 4668,21,638 2267,88,338 s= rNtL vftf 1136,93,927 - - 1136,93,927 103,20,606 v=cGo vftf 3531,27,711 - - 3531,27,711 2164,67,731

hDdf 4668,21,638 - - - 4668,21,638 2267,88,338

gf]6M ;Dalwt Ohfhtkqk|fKt ;+:yfx? ;dy{g kq cg';f/sf] s'n df}Hbft ?= $^^,*@!,^#*


cg";'rL $=*

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 nufgL


ljj/0f k|of]hg

o; jif{ ? ut jif{ ?= Jofkfl/s cGo

!= g]kfn ;/sf/sf] 6«]h/L ljn - - - != g]kfn ;/sf/sf] art kq - - - #= g]kfn ;/sf/sf] cGo C0fkq - - - $= g]= /f= a}+s C0fkq - - - %= lab]zL C0f kq - - ^= :ab]zL Ohfht kq k|fKt ;+:yf - - - &= lab]zL a}}s - - - *= ;+ul7t ;+:yfx?sf] z]o/ - 13,20,625 13,20,625 13,20,625 (= ;+ul7t ;+:yfx?sf] l8j]Gr/ tyf aG8 - - - !)=cGo nufgL 400,00,000 400,00,000 1800,00,000

s'n nufgL - 413,20,625 413,20,625 1813,20,625 Joj:yf - - - -

v'b nufgL - 413,20,625 413,20,625 1813,20,625

cg";'rL $=* -s_

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 @)&^ ;fn cfiff9 d;fGtsf] z]o/, l8j]Gr/ tyf j08df nufgL

ljj/0f k/n df]n ?= ahf/

d'Nofg';f/ Joj:yf /sd ?

o; jif{ ut jif{

!= z]o/ nufgL 13,20,625.00 13,59,499.00 - 13,20,625.00 1320625.00 !=! g]knf nfO{km O{G;f]/]G; sDkgL ln= @@% lsQf ;fwf/0f z]o/ k|lt z]o/ ?= !$@% n] r'Qf !&$ lsQf af]gz z]o/ k|fKt-hDdf lsQf ;+Vof #((_ 3,20,625.00 3,59,499.00 - 3,20,625.00 3,20,625.00 !=@= g]kfn lkmg;km\6 sDkgL ln= !),))) lsQf ;+yfks z]o/, k|lt z]o/ !))n] r"Qmf

10,00,000.00

10,00,000.00 -

10,00,000.00

10,00,000.00

======;fwf/0f z]o/ -dWo] ===jf]g; ;d]t_ k|lt z]o/=====n] r"Qmf - - - - - !=# =====sDkgL -k|f=ln=÷ln=_ - - - - - =====k|ltzt ===lk|km/]G; z]o/ k|lt z]o/ ? ===n] r"Qmf - - @= l8j]Gr/ tyf j08 nufgL - - - - - @=! =======sDkgL -k|f=ln=÷ln=_ - - - - - ====k|ltzt l8j]Gr/÷j08 k|lt l8j]Gr/÷a08===?= n] === - - @=@ =========== - - - - - @=# ============ - - - - -

s'n nufgL 13,20,625.00 13,59,499.00 - 13,20,625.00 13,20,625.00 #= hf]lvd ;DjGwL Joj:yf - - - #=! ut jif{ ;Ddsf] Joj:yf - - - #=@ o; jif{sf] yk÷36 - - - -

s'n Joj:yf - - - - v'b nufgL 13,20,625.00 13,59,499.00 - 13,20,625.00 13,20,625.00

< ;'lrs[t gePsf]]n] k/ndf]n g} ahf/ d'No dflgPsf] .


cg';"rL $=(

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 shf{ ;fk6 juL{s/0f / ;f]sf] nflu Joj:yf


ljj/0f shf{ ;fk6 ljj/0f

ut jif{sf] hDdf ljldt cljldt o; aif{sf] hDdf

!= ;lqmo shf{ ;fk6 - 32156,18,653 32156,18,653 10943,26,580 !=!= c;n shf{ - 3209519667 3209519667 10943,26,580 !=@= ;'Id shf{ 6098986 6098986 @= lgl:qmo shf{ ;fk6 -Non Performing_ - 139,60,072 139,60,072 83,32,650 @=! sd;n - 27,27,234 27,27,234 16,09,049 @=@ z+sf:kb - 62,13,378 62,13,378 35,58,582 @=$ v/fj - 50,19,460 50,19,460 31,65,019 #= s"n shf{ ;fk6 - 32295,78,725 32295,78,725 11026,59,230 $= shf{ gf]S;fgL Joj:yf - 412,09,964.41 412,09,964 162,89,838 $=! c;n - 320,97,058 320,97,058 109,43,266 $=@ ;"Id - 3,04,949 3,04,949 - $=# sd;n - 6,81,808 6,81,808 4,02,262 $=$ z+sf:kb - 31,06,689 31,06,689 17,79,291 $=% v/fj - 50,19,460 50,19,460 31,65,019 $=^ cltl/St $=& t];|f]kIfsf] lwtf]df k|jfx ePsf] shf{sf] nflu yk %= ut jif{;Ddsf] shf{ gf]S;fgL Joj:yf - 162,89,838 162,89,838 113,17,345 %=! c;n - 109,43,266 109,43,266 44,58,901 %=@ sd;n - 4,02,262 4,02,262 8,73,696 %=# z+sf:kb - 17,79,291 17,79,291 16,75,655 %=$ v/fj - 31,65,019 31,65,019 43,09,093 %=% cltl/Qm - - %=^ t];|f]kIfsf] lwtf]df k|jfx ePsf] shf{sf] nflu yk - ^= o; aif{sf] gf]S;fgL Joj:yf lkmtf{ - &= o; aif{sf] yk shf{ gf]S;fgL Joj:yf - 249,20,126 249,20,126 49,72,493 *= o; aif{sf] yk÷lkmtf{ - - - - (= s'n shf{ gf]S;fgL Joj:yf 249,20,126 249,20,126 49,72,493

v'b shf{ -#–$_ 31883,68,761 31883,68,761 10863,69,392


cg';"rL $=!) Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8

l:y/ ;DkQL @)&^ ;fn cfiff9 d;fGtsf]

ljj/0f

o; jif{ ?= utjif{ ?= ejg

kl/jxg ;fwg

d]lzg/L sfof{no ;fdfg

cGo

!= k/ndf]n

-s_ ut jif{sf] df}Hbft - 24,08,144 - 70,91,827 42,15,512 137,15,483 112,87,203

-v_ o; jif{ yk - 51,62,350 64,36,406 19,76,134 135,74,890 25,24,877

-u_ o; jif{ k'gd"{NofÍg÷k"gn]{vg - - - - - - -

-3_ o; jif{sf] ljqmL - - - - - 96,597

-ª_ o; jif{sf] ckn]vg - - - - - -

s"n -s±v±u±3±ª_ k/ndf]n - 75,70,494 - 135,28,233 61,91,646 272,90,373 137,15,483

@= x|f; s§L - -

-s_ ut jif{;Ddsf] - 10,53,779 - 34,36,539 21,80,331 66,70,649 46,47,140

-v_ o; jif{sf] - 13,03,344 - 22,11,851 9,59,037 44,74,232 20,97,120

-u_ x|f;s§L k"gd'{NofÍg÷k"gn]{vg - - - - - - -

-3_ x|f;s§L /sd ;dfof]hgf÷lkmtf{ - - - - - - 73,611

s"n x«f;s§L - 23,57,123 - 56,48,390 31,39,368 111,44,881 66,70,649

#= a's Eofn' (WDV*) -!-@_ - 52,13,371 - 78,79,844 30,52,278 161,45,492 70,44,835

$= hUuf - - - - - 114,45,644 114,45,644

%= k"FhLut lgdf{0f -k"FhLs/0f ul/g' kg]{_ - - - - - - -

^= nLh xf]N8 ;DkQL - - - - - -

hDdf -#±$±%±^_ - 52,13,371 - 78,79,844 30,52,278 275,91,136 184,90,479

cg";'rL $=!!

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 u}/ a}+lsË ;DkQL


C0fL jf kf6L{sf] gfd 7]ufgf

u}/ a}lsË ;DkQL ;sf/ u/]sf] ldlt

s'n u}/ a}lsË ;DkQL /sd ?=

gf]S;fgL Joj:yf v'b u}/ a}lsË ;DkQL ?=

ut jif{ ?=

k|ltzt /sd ?=


cg";'rL $=!@

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 cGo ;DkQL


laa/0f o; jif{ ?= ut jif{ ?= != d;nGb df}Hbft 15,87,260 7,04,146 @ nufgLdf c;"n ug{ afFsL cfDbfgL 5,49,575 #= shf{df c;"n ug{ afFsL Aofh 302,83,843 111,15,426 Go'g Jofh d"NtjL /sd (302,83,843) (111,15,426) $= c;"n ug{ afFsL sldzg 9,26,410 - %= ;G8«L 8]K6;{ 13,443 9,99,382 ^= sd{rf/L ;fk6L / k]ZsL 51,974 &= clu|d e"QmfgL 14,43,952 3,09,224 *= dfu{:y gub - - (= dfu{:y cGo -r]s ;d]t_ - - !)= ljgf ;"rgf 8«fkm\6sf] e"QmfgL - - !!= ckn]vg x"g afFsL vr{ - - !@= zfvf ldnfg lx;fj - - !#= :yug s/ ;DkQL 19,38,806 6,55,854 !$.= e'QmfgL lng jfFls nfef+z - 7,026 !%_ cGo lng jfFls /sd - !^_ cGo 15,12,908 6,24,282 s_ clu|d cfos/ 1,56,038 - v_ w/f}l6 57,810 22,500 u_ z]o/ lgisfzg vr{ -ckn]vg ug{ afFsL_ 3,00,894 6,01,782 3_ lhd]n 6'-ckn]vg ug{ afFsL_ 9,98,166 -

hDdf 74,22,779 39,01,464

cg";'rL $=!@ -s_

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 cGo ;DkQL -yk ljj/0f_ @)&^ ;fn cfiff9 d;fGtsf]

ljj/0f

o; jif{ ?=

ut jif{ ? ! jif{;Dd

! b]lv dfly # jif{;Dd

# jif{ eGbf dfly

hDdf

!= shf{df c;"n ug{ afFsL Jofh 287,69,651.04 12,11,353.73 3,02,838.43 302,83,843.20 111,15,425.92

@= zfvf ldnfg lx;fj - - - - -

#= Ph]G;L lx;fj - - - - -


cg";'rL $=!#

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 ;Defljt bfloTjx?

@)&^ ;fn cfiff9 d;fGtsf] ljj/0f o; jif{ ?= ut jif{ ?=

hdfgt ckl/jTo{ shf{ k|lta2tf (Irrevocable Loan Commitment) - - cfos/ jfkt ;Defljt bfloTj -Contingent Liabilities On Income Tax_

Acceptance ;lxt cGo ;a} k|sf/sf ;Defljt bfloTjx? r'Qmf jf e'Qmfg x'g afFsL z]o/ nufgL - -

e'QmfgLsf] nflu bfjL k/]sf] hdfgt ;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] bfloTjx? -

cg";'rL $=!$

Jofh cfDbfgL ldlt @)&%÷)$÷)! b]lv @)&^÷)#÷#! ;Dd

ljj/0f o; jif{ ?= ut jif{ ?= s= shf{ ;fk6df 3784,82,905 1215,06,558 v= nufgLdf 29,31,989 143,30,413

!= g]kfn ;/sf/sf] ;'/If0fkq - #= g]kfn /fi6« a}+ssf] C0fkq - - $= l8j]Gr/ tyf a08 - - %= cGt/ a}+s nufgLdf Jofh 29,31,989 143,30,413

u= Ph]G;L df}Hbftdf - 3= dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf 144,71,044 82,42,921 ª= cGodf

hDdf 3958,85,939 1440,79,892

cg";'rL $=!%

Aofh vr{ ldlt @)&%÷)$÷)! b]lv @)&^÷)#÷#! ;Dd

ljj/0f o; jif{ ? ut jif{ ? s= lgIf]k bfloTjdf 461,48,453 194,70,131 != ;b:ox?sf] artdf 461,48,453 194,70,131 @= ;j{;fwf/0fsf] lgIf]kdf - - v= shf{ ;fk6df 2065,80,369 670,96,990 != C0fkq tyf a08 - @= g]kfn /fi6« a}+saf6 k|fKt shf{ #= cGt/ a}+s÷ljQLo ;+:yf shf{ 2065,80,369 670,96,990 $= cGo ;+ul7t ;+:yf - %= cGo shf{ - u= cGodf - != ================== - @= ============ -

hDdf 2527,28,822 865,67,121


cg";'rL $=!^

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 sldzg tyf cGo ;~rfng cfDbfgL

ldlt @)&%÷)$÷)! b]lv @)&^÷)#÷#! ;Dd


! ;]jf z'Ns 827,11,965 235,73,223 @= cGo z"Ns 23,96,275 6,39,165 # O=k|f= sldzg jfkt -

$= a§f cfDbfgL - % /]ld6]G; sld;g 2,80,665 1,97,866

hDdf 853,88,905 244,10,254

cg";'rL $=!&

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 sd{rf/L vr{

ldlt @)&%÷)$÷)! b]lv @)&^÷)#÷#! ;Dd


!= tna 389,74,611 191,07,821

@= eQf 240,34,661 99,18,187 #= ;~rosf]ifdf yk 24,80,602 12,08,952

$= tflnd vr{ 17,88,466 7,97,554 %= kf]zfs 6,26,000 - ^= cf}ifwf]krf/ - - &= aLdf 5,45,310 2,60,521 *= labf jfktsf] Joj:yf 18,78,431 5,64,730

(= k]G;g tyf pkbfg Joj:yf 10,72,602 3,56,989 !)= cGo - 28,400 s= labf jfktsf] e'QfgL 4,19,141 1,85,452

hDdf 718,19,824 324,28,606


cg";'rL $=!*

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 cGo ;~rfng vr{

ldlt @)&%÷)$÷)! b]lv @)&^÷)#÷#! ;Dd ljj/0f o; jif{ ?= ut jif{ ?=

!= 3/ef8f 65,64,732 35,54,010 @= aQL ljh"nL / kfgL 3,10,451 1,60,758 #= dd{t tyf ;Def/ -s_ ejg ======== -v_ ;jf/L ;fwg ========== 2,27,113 1,96,273 -u_ cGo ========== 1,00,003 38,370 $= aLdf 1,38,685 1,48,060 %= kf]i6]h, 6]n]S;, 6]lnkmf]g km\ofS; 13,07,091 6,97,560 ^= sfof{no pks/0f kmlg{r/ / ;Def/ 6,58,808 3,94,650 &= e|d0f eQf / vr{ 25,24,952 16,74,715 *= d;nGb / 5kfO{ 28,31,411 15,87,788 (= kqklqsf tyf k':ts 23,920 32,540 !)= lj1fkg 1,57,047 1,08,192 !!= sfg"gL vr{ 85,000 1,20,000 !@= rGbf - - !#= ;~rfns ;ldlt ;DjGwL vr{ -s_ a}7s eQf ============ 5,48,700 3,04,000 -s_ a}7s vr{ ============ 50,932 13,758 !$= ;fwf/0f ;ef ;DjGwL vr{ 2,12,309 1,34,235 !%= Nf]vf k/LIf0f z'Ns -s_ n]vf k/LIf0f z'Ns 1,33,800 2,26,000 -v_ cGo vr{ ========= 3,04,376 2,89,180 !^= /sd :yfgfGt/0f sldzg 94,350 72,487 !&= :yL/ ;DkQLdf x|f; s§L 44,74,232 20,97,120 !*= k"j{ ;~rfng vr{ ckn]vg !(= z]o/ lgisfzg vr{ 3,57,768 4,09,559 @)= k|fljlws ;]jf ;f]wegf{ @!= dgf]/~hg vr{ 400 @@= ckn]vg vr{ 7,99,972 3,00,323 @#= ;"/Iff vr{ @$= shf{ ;"/If0f lk|ldod @%= sldzg / l8:sfp06 @^= cGo =========== 72,58,505 76,15,293 OGwg vr{ 10,88,577 5,53,716 cf/ l6 P; vr{ 1,00,158 1,06,636 cltly ;Tsf/ vr{ 24,648 2,987 Hofnf vr{ 38,29,906 20,64,169 a}{]Fs rfh{ - - ;]jf z'Ns 6,83,418 24,12,825 lrof tyf vfhf vr{ 2,22,593 16,37,070 cGo 13,09,205 8,37,890

hDdf 291,64,156 201,75,272


cg";'rL $=!(

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 ;Defljt gf]S;fgL Aoj:yf

ldlt @)&%÷)$÷)! b]lv @)&^÷)#÷#! ;Dd ljj/0f o; jif{ ?= ut jif{ ?=

!= shf{ gf]S;fgL Aoj:yfdf ePsf] a[l4 249,20,126 49,72,493 @= nufgL gf]S;fgL Joj:yf ePsf] a[l4 #= u}/ a}+lsu ;DkQL gf]S;fgL Aoj:yf $= cGo ;DkQLdf ul/Psf] Joj:yf -

hDdf 249,20,126 49,72,493

cg";'rL $=@)

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 u}/ ;+rfng cfDbfgL÷-gf]S;fg_

ldlt @)&%÷)$÷)! b]lv @)&^÷)#÷#! ;Dd

ljj/0f o; jif{ ?= ut jif{ ?= != nufgL lalqmaf6 cfDbfgL÷-gf]S;fg_ - - @= ;DkQL lalqmaf6 cfDbfgL÷-gf]S;fg_ - 7,014 #= nfef+z 1,381 7,026 $= cGo 43,91,015 3,86,904

v'b u}/ ;+rfng cfDbfgL÷-gf]S;fg_ 43,92,395 4,00,944

cg";'rL $=@!

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 ;Defljt gf]S;fgL Aoj:yfaf6 lkmtf{

ldlt @)&%÷)$÷)! b]lv @)&^÷)#÷#! ;Dd

ljj/0f o; jif{ ?= ut jif{ ?= != shf{ gf]S;fgL Joj:yfaf6 lkmtf{ - - @= u}/ a}+lsu ;DkQL gf]S;fgL Aoj:yfaf6 lkmtf{ - - #= nufgL Joj:yfaf6 lkmtf{ - - $= cGo ;DkQLsf] Joj:yfaf6 lkmtf{ - -

hDdf - -

cg";'rL $=@@

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL÷vr{ ldlt @)&%÷)$÷)! b]lv @)&^÷)#÷#! ;Dd

ljj/0f o; jif{ ?= ut jif{ ?= != ckn]vg ePsf] shf{sf] c;'nL - - @= :j]lR5s cjsfz vr{ - - #= c;'nL x'g g;Sg] shf{sf] ckn]vg -$=@@s_ - - $= cGo vr{÷cfDbfgL - - %= +==========================

hDdf - -


cg";'rL $=@@-s_

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 ckn]lvt shf{sf] ljj/0f

cfly{s aif{ @)&%.&^

qm= ;+=

shf{ k|sf/

ckn]vg ul/Psf] /sd

lwtf]÷hdflgsf] k|sf/ tyf /sd

lwtf]] d"Nofs+gsf]

cfwf/

shf{ :jLs[t ug]{ clwsf/L÷tx

shf{ c;'nLsf] nflu eP, u/]sf

k|of; s}lkmot

! - - - - - - @ - - - - - - # - - - - - - $ - - - - - - % - - - - - -

s'n shf{ - - - - - -

cg";'rL $=@#

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 ;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L z]o/ xf]N8/x?nfO{ uPsf] shf{ ;fk6 ljj/0f


k|jflxt shf{, ;fk6sf] s'n /sddWo] ;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/wlgx? / lghx?sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d}g]lhË Ph]G6 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .

;+:yfks÷;~rfns÷sfo{sf/L k|d'vsf] gfd

ut jif{;Ddsf] afFsL

o; jif{ c;"nL

o; jif{ yk shf{

cfiff9 d;fGt;Dd afFsL

;fjfF Jofh ;fjfF Jofh

;fjfF Jofh

-s_ ;~rfns - - - - - - - != - - - - - - - @= - - - - - - - -v_ sfo{sf/L k|d'v - - - - - - - != - - - - - - - @= - - - - - - - -u_ ;+:yfks - - - - - - - != - - - - - - - @= - - - - - - - -3_ sd{rf/L

!= @= - - - - - - -

-ª_ z]o/wgLx? - - - - - - - != - - - - - - - @= - - - - - - -

hDdf - - - - - - -


cg";'rL $=@$

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 k"FhLsf]if tflnsf

@)&^ ;fn cfiff9 d;fGtsf] -?= xhf/df_

ljj/0f o; jif{ ut jif{ -s_ k|fylds k"FhL 2,57,345.31 1,23,720.80 != r'Qmf k"FHfL -;fwf/0f z]o/_ 1,10,457.50 96,050.00 @= k|:tfljt jf]g; z]o/ 38,660.13 14,407.50 #= z]o/ lk|ldod - - $= lkmtf{ gx'g] cu|flwsf/ z]o/ - - %= ;fwf/0f hu]8f sf]if 24,828.33 11,190.88 ^= ;l~rt gfkmf÷-gf]S;fg_ 9,231.57 3,330.05 &= jf;nftdf b]vfOPsf] rfn' cf=j=sf] gfkmf÷-gf]S;fg_ lx;fjsf] /sd - *= k"FhL lkmtf{ hu]8f sf]if - - (= k"FhL ;dfof]hg sf]if - - !)= sn Og P8efG; 77,405.65 - !!= cGo :jtGq sf]ifx? - 36fpg] M (3,237.87) (1,257.64) — Voflt-Goodwill_ jfktsf] /sd - - —:yug s/ ;DkQL (Deferred Tax Assets) (1,938.81) (655.85) — ;LdfeGbf a9L z]o/ ;'/If0fdf nufgL ul/Psf] /sd - - — ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd - — cjf:tljs ;DkQL (Fictitious Assets) (1,299.06) (601.78) — o; a}+ssf] lgb]{zg kfngf gu/L :jk|of]hgsf] nflu 3/hUuf vl/b u/]sf] /sd - - — k|rlnt P]g tyf sfg'gn] k|ltjGw u/]sf Jolqm tyf ;d"xx?nfO{ k|bfg u/]sf] shf{ tyf ;'ljwfx? - -

- -v_ k"/s k"FhL 32,097.06 11,596.03 != c;n shf{sf] nflu ul/Psf] shf{ gf]S;fgL Joj:yf 32,097.06 10,943.27

@= clt/LQm shf{ gf]S;fgL Joj:yf - - #= xfOla|8 k"FhL pks/0fx? - $= ;'/If0f g/flvPsf] ;xfos cfjlws C0f - - %= ;DkQL k"gd"{Nofs+g sf]if - - ^= nufgL ;dfof]hg sf]if - - &= ;b:o ;'/If0f sf]if - 652.76 -u_ hDdf k"FhLsf]if -s+v_ 2,89,442.37 1,35,316.83 -3_ hf]lvd efl/t ;DkQLsf] cfwf/df sfod ug'{kg]{ Go"gtd k"FhLsf]if k"'FhLsf]if -* k|ltzt_ 2,69,369.72 96,618.36 k|fylds k"FhL -$ k|ltzt_ 1,34,684.86 48,309.18 k"'FhLsf]if -clws #=^$ k|ltzt_ 20,072.65 38,698.47 k|fylds k"FhL -clws )=&^ k|ltzt_ 1,22,660.45 75,411.62


cg";'rL $=@$ -s_

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 hf]lvd efl/t ;DkQL laj/0f tflnsf

@)&^ ;fn cfiff9 d;fGtsf] -?= xhf/df_

-s_ jf;nft leqsf ;DkQLx? -On Balance SheetAssets_ Eff/

o; jif{ ut jif{

/sd Hf]flvd efl/t

;DkQL /sd

Hff]lvd efl/t ;DkQL

gub df}Hbft - 158.58 - 231.36 - g]kfn /fi6« a}+sdf /x]sf] df}Hbft - - - - g]kfn ;/sf/sf] ;'/If0fkqdf ul/Psf] nufgL - - - - Gf]kfn /fi6« a}+s C0fkqdf ul/Psf] nufgL] - - - - cfˆg} d'¢lt /l;bsf] lwtf]df k"0f{ ;'/lIft x'g] u/L k|bfg ul/Psf] d'¢lt /;Lb lwtf] shf{ - - - - ;/sf/L C0f kqsf] lwtf]df k"0f{ ;'/lIft x'g] u/L k|bfg u/LPsf] shf{ - - - - ;/sf/L ;'/If0fkqsf] kfpg' kg]{ Jofh /sd (Accured Amount) - - - - a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft/d'2lt /l;bsf] bflj 0.20 5,06,821.64 1,01,364.33

4,06,788.34 81,357.67

Dffu]sf] avt k|fKt x'g] /sd (Money at Call) 0.20 - - - - cGt/ a}+s÷;+:yf ;fk6L 0.20 - - - - z]o/ l8j]~r/ Pj+ j08df ePsf] nufgL 1.00 1,320.63 1,320.63 1,320.63 1,320.63 cGo nufgLx? 1.00 - - - shf{ tyf ;fk6 -s'n /sd_ 1.00 32,29,578.72 32,29,578.72 11,02,659.23 11,02,659.23 l:y/ ;DkQLx? 1.00 27,591.14 27,591.14 18,490.48 18,490.48 Kffpg'kg]{ v'b cGo v'b Aofh /sd -s'n kfpg' kg]{ Aofh–;/sf/L C0f tyf art kqsf] Aofh–Aofh d'NtjL_ 1.00 - - - cGo ;a} ;DkQLx? -v'b cu|Ld s/ bflvnf jfx]s_ 1.00 7,266.74 7,266.74 3,901.46 3,901.46 hDdf 37,72,737.45 33,67,121.56 15,33,391.49 12,07,729.46 -v_ af;nft aflx/sf sf/f]jf/x? (Off-Balance Sheet Items)

hdfgt - - - - ck/LjTo{ shf{ k|ltj4tf (Irrevocable Loan Commitment) 1.00 - - - - cfos/ jfkt ;Defljt bfloTj 1.00 - - - - Acceptance ;lxt cGo ;a} k|sf/sf ;Defljt bfloTjx? 1.00 - - - - r'Qmf jf e'Qmfg x'g afFsL z]o/ nufgL 1.00

e'QmfgLsf] nflu bfjL k/]sf] hdfgt 2.00

;+:yfpk/ bflj k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] bfloTjx? 2.00

hDdf

- - s'n hf]lvd efl/t ;DkQLsf] hDdf -s_+-v_

37,72,737.45 33,67,121.56 15,33,391.49 12,07,729.46


g]=/f= a}= lgb]{zg cg";'rL $=@%

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 k|d'v ;"rsfFÍ

sDtLdf ljut % jif{sf] kl/;"rsx?

ljj/0f ;"rsfÍ cf=j=

@)&%/&^ cf=j=

@)&$÷&% cf=j=

@)&#÷&$ cf=j=

@)&@÷&# cf=j=

@)&!÷&@

!= v'b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt 14.17% 9.33% 11.72% 26.14% 25.90% @= k|lt z]o/ cfDbfgL ?= 61.73 16.36 14.40 33.05 29.70 #= k|lt z]o/ ahf/ d'No ?= 1202 1248 1,900.00 585.00% 0.00% $=d"No cfDbfgL cg'kft -PE Ratio_ cg'kft 19.47 76.29 131.95 17.70% 0.00% %=z]o/ k"FhLdf nfef+z -jf]g; ;lxt_ k|ltzt 35.00% 15.00% 20.00% 0.00% 13.00% ^= z]o/ k"FhLdf gub nfef+; e'QmfgL k|ltzt 1.84% 0.79% 1.05% 20.00% 0.68% &= Jofh cfDbfgL ÷shf{ tyf ;fk6 k|ltzt 11.87% 11.18% 16.42% 16.55% 12.07% *=sd{rf/L vr{÷s'n ;~rfng vr{ k|ltzt 71.12% 61.65% 65.95% 64.40% 56.82% (=s'n lgIf]k tyf ;fk6Ldf Jofh vr{ k|ltzt 7.44% 6.39% 6.15% 4.28% 3.35% !)=;6xL 36j9 cfDbfgL÷s'n cfDbfgL k|ltzt 0.00% 0.00% 0.00% 0.00% 0.00% !!=sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt 13.55% 6.94% 7.00% 19.73% 19.32% !@=v'b gfkmf÷shf{ ;fk6 k|ltzt 2.14% 1.45% 2.48% 5.29% 4.01% !#=v'b gfkmf÷s'n ;DkQL cg'kft 1.83% 1.04% 1.55% 3.61% 3.19% !$=s'n shf{÷lgIf]k k|ltzt 365% 301% 273% 433% 729% !%=s'n ;~rfng vr{÷s'n ;DkQL k|ltzt 2.71% 3.47% 4.84% 4.06% 4.06% !^=hf]lvd efl/t ;DkQLdf k"FhLsf]ifsf] kof{Kttf -s_ k|fylds kF"hL k|ltzt 7.64% 10.24% 17.56% 13.40% 14.28% -v_ k"/s k"FhL k|ltzt 0.95% 0.96% 0.91% 0.78% 0.84% -u_ s'n kF"hL sf]if k|ltzt 8.60% 11.20% 18.47% 14.19% 15.12% !&=t/ntf -CRR_ cg'kft 0.65% 0.55% 0.57% 0.56% 0.60% !*=lgis[o shf{÷s'n shf{ k|ltzt 0.43% 0.76% 2.44% 1.28% 0.00% !(=Jofh b/ cGt/ -Weighted Average Interest Rate Spread_ 7.09% 7.79% 8.33% 9.71% 8.72% @)=a''s g]6jy{ ?= 2708,24,774 1266,57,271 981,84,734 780,75,242 447,43,505 @!=s'n z]o/ ;+Vof 11,04,575.00 9,60,500.00 5,65,000.00 5,65,000.00 3,50,000.00 @@=s'n sd{rf/L ;+Vof 253 159 94 60 39 @#=cGo

cg";'rL $=@*

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf lnld6]8 ;+:Yffks tyf ;+:yfks ;d'xsf z]o/ wgLn] cfkm\gf] :jfldTjdf /x]sf] z]o/ cGo a}+s tyf ljQLo

;+:yfdf lwtf] /fvL shf{ lnPsf] ljj/0f

qm=;+= ;+:Yffks tyf ;+:yfks

;d'x cGtu{t kg]{ z]o/wgLsf] gfd

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

shf{ ljj/0f

s}lkmot s'n lsQf ;+Vof

s'n r'Qmf k"FhLsf] k|ltzt

shf{ lnPsf] cGo a}+s tyf ljQLo ;+:yfsf] gfd

shf{ /sd lwtf]df /x]sf] z]o/ lsQf

;+Vof 1

2


cg";'rL $=@(

Global IME Laghubitta Bittiya Sanstha Ltd. Comparisation of Unaudited and Audited Financial Statement as of FY 2075/76

S.N. Particulars As per Unaudited Financial Statement

As per Audited Financial Statement

Variance Reasons for Variance

In Amount In % 1 Total Capital & Liabilities (1.1 to 1.8) 37,91,125.55 37,31,683.52 1.1 Paid-up Capital 187863.15 2,26,523.28 38,660.13 21% Proposed Bonus shares

1.2 Reserves and Surplus 82841.73 42,266.76 (40,574.98) -49% Adjustment in profit and loss and statutory reserve adjustments.

1.3 Debenture and Bond - - 0% 1.4 Borrowings 2522856.88 25,22,856.88 - 0% 1.5 Deposits (a+b) 874677.77 8,74,677.77 - 0% a. Domestic Currency 874677.77 8,74,677.77 - 0% b. Foreign Currency - - 0% 1.6 Proposed Dividend 0 2,034.74 2,034.74 -100% Dividend proposed by BOD

1.7 Income Tax Liabilities 29171.72 - (29,171.72) -100% Due to change in profitability due to audit adjustment.

1.8 Other Liabilities 93714.30 63,324.09 (30,390.21) -32% Due to change in presentation and offsetting

2 Total Assets (2.1 to 2.7) 37,91,125.55 37,31,683.52 0% 2.1 Cash & Bank Balance 4,66,980.22 4,66,980.22 - 0% 2.2 Money at call and short Notice 40,000.00 - 40,000.00 100% FD now classified as investment

2.3 Investments 1,320.63 41,320.63 (40,000.00) -3029% Due to inclusion of FD in investment

2.4 Loans & Advances (a+b+c+d+e+f) 31,88,461.13 31,88,368.76 92.37 0% 2.5 Fixed Assets 27,591.14 27,591.14 0.00 0% 2.6 Non Banking Assets - 0%

2.7 Other Assets 66,772.44 7,422.78 59,349.66 89%

Adjustment made during finalization of account and offsetting of interets receivable and interest suspense

3 Profit and Loss Account 0% 3.1 Interest income 3,95,893.81 3,95,885.94 7.88 0% 3.2 Interest Expense 2,52,728.82 2,52,728.82 - 0% A Net Interest Income (3.1-3.2) 1,43,164.99 1,43,157.12 0% 3.3 Fees Commission and Discount - - - 0% 3.4 Other Operating Income 85,381.03 85,388.91 (7.88) 0% 3.5 Foreign Exchange Gain/Loss (Net) - - - 0% B Total Operating Income (A+3.3+3.4+3.5) 2,28,546.02 2,28,546.02 0%

3.6 Staff Expenses 75,680.11 71,819.82 3,860.29 5% Due to reclassification of expenses head.

3.7 Other Operating Expenses 25,467.60 29,164.16 (3,696.56) -15% Due to reclassification of expenses head and change in depreciation

C Operating profit Before Provision (B-3.6-3.7) 1,27,398.31 1,27,562.04 - 0%

3.8 Provision for Possible Loss 25,106.16 24,920.13 186.03 1% Additional loan loss provision D Operating profit (C-3.8) 1,02,292.16 1,02,641.92 - 0%

3.9 Non Operating Income/Expenses (Net) 4,392.40 4,392.40 100% Adjustment made during finalization of account

3.10 Write Back of Provision for Possible Loss 278.40 - 278.40 100% Adjustment made during finalization of account

E Profit From Regular Activities (D+3.9+3.10) 1,06,962.96 1,02,641.92 - 0%

3.11 Extraordinary Income/Expenses (Net) - 4,392.40 (4,392.40) -100% Adjustment made during finalization of account

F Profit Before Bonus and Taxes (E+3.11) 1,06,962.96 1,07,034.31 - 0% 3.12 Provision For Staff Bonus 9,723.91 9,730.39 (6.49) 0% Due to changes in Net Profit

3.13 Provision For Tax 29,171.72 29,116.69 55.02 0% Adjustment made during finalization of account

G Net Profit/Loss (F-3.12 -3.13) 68,067.34 68,187.23 (119.89) 0% Adjustment made during finalization of account


cg";'rL $=@(

Global IME Laghubitta Bittiya Sanstha Limited Unaudited Financial Results( Quarterly)

At at 4th Quarter (31/03/2076) of the Fiscal Year 2075/2076 (Rs. in '000)

S.N. Particulars This Quarter Ending

Previous Quarter Ending

Corresponding Previous Year Quarter Ending

1 Total Capital & Liabilities (1.1 to 1.7) 3791125.55 3325255.77 1517101.65 1.1 Paid-up Capital 187863.15 187777.75 110457.50 1.2 Reserves and Surplus 82841.73 55980.48 15441.48 1.3 Debenture and Bond 1.4 Borrowings 2522856.88 2269774.46 994637.84 1.5 Deposits (a+b) 874677.77 712974.68 360888.32

a. Member 874677.77 712974.68 360888.32 b. Public

1.6 Income Tax Liabilities 29171.72 17496.22 54.69 1.7 Other Liabilities 93714.30 81252.18 35621.82

2 Total Assets (2.1 to 2.7) 3791125.55 3325255.77 1517101.65 2.1 Cash & Bank Balance 466980.22 347397.62 227019.69 2.2 Money at call and short Notice 40000.00 60000.00 2.3 Investments 1320.63 1320.63 181320.63 2.4 Loans & Advances 3188461.13 2838299.44 1086369.39 2.5 Fixed Assets 27591.14 30140.31 18490.48 2.6 Non Banking Assets 2.7 Other Assets 66772.44 48097.77 3901.46

3 Profit and Loss Account Up to this Quarter

Up to Previous Quarter

Up to Corresponding Previous Year Quarter

3.1 Interest income 395893.81 254813.39 144079.89 3.2 Interest Expense 252728.82 159809.27 86567.12 A Net Interest Income (3.1-3.2) 143164.99 95004.12 57512.77 3.3 Fees Commission and Discount 3.4 Other Operating Income 85381.03 60046.81 24410.25 3.5 Foreign Exchange Gain/Loss (Net) B Total Operating Income (A+3.3+3.4+3.5) 228546.02 155050.93 81923.03 3.6 Staff Expenses 75680.11 52122.67 32428.61 3.7 Other Operating Expenses 25467.60 21627.26 20175.27 C Operating profit Before Provision (B-3.6-3.7) 127398.31 81301.00 29319.15 3.8 Provision for Possible Loss 25106.16 20676.51 4972.49 D Operating profit (C-3.8) 102292.16 60624.49 24346.65 3.9 Non Operating Income/Expenses (Net) 4392.40 3422.56 400.94

3.10 Write Back of Provision for Possible Loss 278.40 105.75 E Profit From Regular Activities (D+3.9+3.10) 106962.96 64152.80 24747.60

3.11 Extraordinary Income/Expenses (Net) F Profit Before Bonus and Taxes (E+3.11) 106962.96 64152.80 24747.60

3.12 Provision For Staff Bonus 9723.91 5832.07 2249.78 3.13 Provision For Tax 29171.72 17496.22 6784.97

G Net Profit/Loss (F-3.12 -3.13) 68067.34 40824.51 15712.84

4 Ratios At the End of This Quarter

At the End of Previous Quarter

At the End of Corresponding Previous

Year Quarter 4.1 Capital Fund to RWA 9.01% 9.03% 11.20% 4.2 Non Performing Loan (NPL) to Total Loan 0.43% 0.47% 0.76% 4.3 Total Loan Loss Provision to total NPL 296.50% 275.20% 194.81% 4.4 Cost of Funds 10.24% 10.18% 10.21% 4.5 CD Ratio (Calculated as per NRB Directives) 369.23% 403.26% 301.03%


Unf]an cfOPdO{ n#"ljQ ljQLo ;+:yf lnld^]* a];Lzx/—8, ndh"ª, g]kfn

2076 ;fn cfiff( d;fGtsf] jf;nft tyf gfkmf gf]S;fg lx;fa;¤u ;DalGwt

k|d"v n]vf gLlt tyf n]vf ;DaGwL l^Kk)fLx?M

ljQLo ljj/)F tof/Lsf cfwf/ k|:t"t ljQLo ljj/)F ;j{dfGo n]vf l;$fGt, a}+lsé Joj;fodf k|rlnt n]vf gLlt k|rlnt sfg'gsf] clwgdf

/xL nfuÚ ug{ ;lsg] xb;Dd g]kfn n]vfdfg (NAS) cgÚ?k, g]kfn /fi^« a}+sn] hf/L u/]sf] lgb]{zg tyf (f¤rfdf cGoyf pNn]v ul/Psf]df afx]s P]ltxfl;s nfut (Historical Cost) cjwf/)ff / k|f]befjL (Accrual) cfwf/df, g]kfnL ?k}oF¤df tof/ ul/Psf %g\ .

s= k|d"v n]vf gLltx?M cg";'rL 4=26 1= x|f;s§L gLlt crn ;DkQLx?df cfos/ P]g 2058 df pNn]lvt #^ \bf] x|f; k|)ffnL -Diminishing Balance Method_ df

lgDg adf]lhd x|f;s§L ul/Psf] % . cb[Zo ;DkQL -Computer Software_ eg] 5 jif{ leq ;dfgÚkflts (+un] x|f;s§L ul/g]] gLlt /x]sf] % . o;/L ul/Psf] x|f;s§L g]kfn n]vfdfg 16 ;+u d]n vf+b}g . ljleGg ju{sf ;DkQLdf lgDg lnlvt b/df x|f;s§L ug]{ ul/Psf] %M ;d"x ljj/)f x|f;s§L b/ s ejg, :^ «Sr/ / :yfoL k|s[ltsf o:t}

k|sf/sf cGo agf}̂ x? 5 k|ltzt

v sDKo"̂ /, tYofª\s s]nfpg] pks/)f, kmlg{r/, lkmS:r/ / sfof{no pks/)fx?

25 k|ltzt

u c^f]df]jfON;, a; tyf ldgLa;x? 20 k|ltzt # cGo ;DkQL 25 k|ltzt ª cGo cb[Zo ;DkQLx?

;DkQL vl/b ubf{sf] avtdf pQm ;DkQLsf] nfutnfO{ ;DkQLsf] k|of]ufjlwn] efu u/L lgs^td cfwf jif{df ldnfg u/L x"g cfpg] b/ k|ltztdf

2= cfos/ Joj:yf gLlt cfos/ P]g / ;f] P]g cGtu{t ag]sf] lgodfjnL adf]lhd x"g cfpg] s/ of]Uo cfodf jf;nftsf] ldltdf

sfod /x]sf] cfos/ b/ cgÚ;f/ cfos/ u)fgf u/L cfos/ Joj:yf ug]{ gLlt lnOPsf] % .

3= nufgL ;DaGwL gLlt nufgLnfO{ g]kfn /fi^ « a}+ssf] lgb]{zg cg";f/ Aofkfl/s / cGo zLif{sdf alu{s/)f ug]{ gLlt lnOPsf] % .

:^s PS;r]Ghdf ;'lrs[t ePsf lwtf]kqx?df ul/Psf] nufgLsf] d'Nofª \sg k/n d'No jf ahf/ d'No dWo] hÚg sd xÚG% ;f]lx d'Nodf d'Nof+sg ug]{ gLlt lnOPsf] % .

4= ;^xL #^a( ;dfof]hg gLlt o; ljQLo ;+:yf s"g} klg k|sf/sf] ljb]zL dÚb«fsf] sf/f]af/df ;+nUg gxÚg] ePsf]n] o;;+u ;DaGwLt gLlt

tof/ ul/Psf] %}g .

5= u}/ a}+lsé ;DkQLsf] n]vfª\sg gLlt o; ;+:yfn] u}/ a}+lsé ;DkQLsf] n]vfª\sg g]kfn /fi^ « a+}ssf] lgb]{zg cgÚ;f/ ug]{ gLlt lnOPsf] % .

6= k'+hLs[t gul/g] ;DkQLx? ;DaGwL n]vfªsg gLlt ljQLo ;+:yfsf] crn ;DkQLx?nfO{ P]ltxfl;s nfut cjwf/)ffsf] cfwf/df, ;DkQL v/Lb;+u ;Da$ cGo vr{x? ;d]t ;f]xL l:y/ ;DkQLdf ;dfj]z u/L k+'hLs/)f ug]{ tyf ?= 2 xhf/;Ddsf] ;DkQL pk/ u/]sf] vr{ eg] ;f]lx jif{ vr{ n]Vg]] ug]{ gLlt lnOPsf] % .

7= cfDbfgL÷vr{ n]vfs+g ug]{ gLlt 7=1 cfDbfgL tk{m JofhM shf{ tyf ;fk^sf] Aofh cfDbfgLnfO{ gub k|flKtsf] cfwf/ (Cash Basis) df cfDbfgL hgfpg] ul/Psf] %, h"g g]kfn n]vfdfg 18 cg";f/ %}g . cGo nufgL pk/sf] Aofh cfDbfgLnfO{ eg] kfs]sf] cfwf/df cfDbfgL af+lwPsf] % .


shf{ tyf ;fk^Ldf kfs]sf] t/ k|fKt gePsf] Aofh g]kfn /fi «̂ a}+ssf] lgb]{zfgÚ;f/ kfpgÚ kg]{ Aofh lx;fadf n]vL Jofh d"NtjL lx;fa (Interest Suspense Account) df hDdf ul/Psf] % .

sldzg sldzg tyf ;]jf zÚNsnfO{ k|f]befjL (Accrual) cfwf/df cfDbfgL hgfpg] ug]{ gLlt lnOPsf] % . ;+:yfn] l/nfoan g]kfn nfOkm OG;"/]G; ln=;+u ePsf] ;Demf}tfcg";f/ o; cfly{s jif{df ?=4,391,014=75 /sd sld;g cfDbfgL n]vfs+g u/]sf] t/ l/nfoan g]kfn nfOkm OG;"/]G; ln= sf] ljj/)f cg";f/ ?=3,862,981=82 /sd cfDbfgL ePsf] % . t;y{, ;+:yf / l/nfoan g]kfn nfOkm OG;"/]G; ln=sf] ljj/)fdf ?= 528,032=94 /sdsf] km/s /x]sf] % .

7=2= vr{ tk{mM s_ k|f]befjL cfwf/df ;Dk')f{ gub eÚQmfg ePsf] vr{ / eÚQmfgL xÚgÚkg]{ vr{nfO{ n]vfdf hgfOPsf] % . v_ ;Dk')f{ lgIf]kdf ;dosf] cfwf/df ltg"{kg]{ AofhnfO{ vr{ dfgL vr{ Joj:yf ul/Psf] % .

8= ;Defljt shf{ gf]S;fgL Joj:yf tyf c; ÚnL xÚg g;Sg] shf{x?sf] ckn]vg gLlt g]kfn /fi «̂ a}+ssf] lgb]{zg cgÚ;f/ shf{ tyf ;fk^nfO{ efvf gf#]sf] cjwL cgÚ;f/ jlu{s/)f u/L g]kfn /fi^ « a}+sn] tf]s]sf] k|ltztdf shf{ gf]]S;fgL Joj:yf sfod ug]{ ul/Psf] % .

shf{sf] ckn]vg ;+:yfsf] æshf{ ckn]vg ljlgodfjnL 2070Æ df tf]lsP jdf]lhd ug]{ gLlt /x]sf] % .

9= shf{sf] ;F¤jf tyf Aofh c;Ún ug]{ Joj:yf o; ljQLo ;+:yfn] ;DalGwt C)fLaf^ /sd c;Únpk/ ubf{ To:tf] c;Ún /sd dWo]af^ ;j{k|yd c;Ún

pk/ ug"{kg]{ Aofh /sd ;Dk')f{ ?kdf c;Únpk/ ePkl%sf] cj:yfdf dfq af¤sL /sd ;f¤jfdf cfjZos lx;fj ldnfg ug]{ gLlt lnPsf] % .

10= cGo gLltx?

10=1= :^]zg/L tyf :^s df}Hbft o; ljQLo ;+:yfn] vl/b u/]sf] ?=2,000 eGbf al(sf] :^]zg/L tyf %kfO{ ;fdu|Lx? cfiff(

d;fGtdf af¤sL /x]sf] df}HbftnfO{ FIFO Method af^ d'Nof+sg u/L cGo ;DkQL cGtu{t d;nGb df}Hbftdf k|:tÚt ug]{ gLlt /x]sf] % .

10=2= :yug s/ ;DkQL÷bfloTj ljQLo ljj/)f / cfos/ cfwf/ aLr b]lvPsf] s/ ;dfof]hg xÚg;Sg] c:yfO{ km/snfO{ :yug s/

;DkQL÷bfloTjdf n]vfs+g ug]{ gLlt /x]sf] % .

11= sf]if ;+:yfsf] d"gfkmfaf^ g]=/f=a}+ssf] lgb]{zg cgÚ;f/ sf]ifx?sf] Aoa:yf ug]{ gLlt lnOPsf] % .

cg';'rL 4=27 n]vf ;DaGwL l^Kk)fLx?M 1= o; cfly{s jif{el/df k|jfx ePsf] shf{ ;fk^, c;ÚnL ePsf] / ldgfxf ul/Psf] ;f¤jfsf] ljj/)f M /sd ? xhf/df

ljj/)f /sd o; jif{ e/L k|jflxt sÚn shf{ ?= 4,126,919.05 jif{e/L ePsf] sÚn c;ÚnL ?= 2,701,535.69 jif{el/df ePsf] ckn]vg ?= 0.00

2= lgIf]k bfloTj cGtu{t jif{el/df kl/jt{g -k|fKtL, eÚQmfgL tyf af¤sL_ ePsf] /sdM ?= xhf/df

ljj/)f o; jif{ ut jif{ ut jif{sf] af+sL 360,888.32 163,403.71 k|flKt 875,057.96 361,793.7 e ÚQmfgL 361,268.51 164,309.2 o; jif{sf] af+sL 874,677.77 360,888.32

3= lgIf]k / shf{sf] efl/t cf}ift Aofh b/sf] cGt/ (Weighted Average Interest Rate Spread) lgIf]k / shf{sf] efl/t cf}ift Aofhb/ cGt/ 07.09 k|ltzt /x]sf] % .


4= ckn]vg x"g af+sL vr{sf] ljj/)f M o; cf=j=df ckn]vg x"g af¤sL vr{ o; k|sf/ /x]sf] %M

ljj/)f /sd ? z]o/ lgZsfzg vr{ -ca 1 jif{ leq ckn]vg x"g]_ 3,00,894.48 ;km\^j]o/ 13,25,771.00 GeMalto ;ˆ^j]o/ 998,166.00

5= n#"ljQ ljQLo ;+:yfsf] ;DkQL / bfloTj;+u ;DalGwt sf/f]af/ / jf;nft aflx/sf] sf/f]af/ sÚg} Ps JolQm, kl/jf/ jf ;+:yfdf tf]lsPsf] ;LdfeGbf a(L clws]Gb|Lt ePsf] ljj/)f .

o; jif{ o; ;+:yfsf] sÚg} ;DkQL / bfloTj; +u ;DalGwt sf/f]af/ / jf;nft aflx/sf] sf/f]af/ sÚg} Ps JolQm, kl/jf/ jf ;+:yfdf tf]lsPsf] ;LdfeGbf a(L clws]Gb|Lt ePsf] %}g .

6= t/ntf ;DaGwL hf]lvd Go'gLs/)f ug{ n#"ljQ ljQLo ;+:yfn] cfkm\gf] bfloTj tyf ;DkQLnfO{ eÚQmfgL cjlw (Maturity Period) sf] cfwf/df ljleGg ;do cGt/fndf juL{s/)f ugÚ{kg]{ ;DaGwdf g]kfn /fi^ « a}+sn] lbPsf] lgb]{zg cgÚ?k ;DkQL / bfloTjsf] juL{s/)f ul/Psf] ljj/)f M

?=xhf/df

ljj/)f 1 b]]lv 91 b]lv 181 b]lv 271 b]lv Ps jif{eGbf

al( s"n 90 lbg 180 lbg 270 lbg 365 lbg

t/n ;DkQL 887,639.04 313,886.39 313,886.38 322,386.19 1,965,533.38 3,803,331.38 t/n bfloTj 323,905.14 233,006.98 202,434.67 221,812.24 2,549,304.96 3,530,463.99 v"b ;DkQL 563,733.90 80,879.42 111,451.71 100,573.95 –583,771.58 272,867.39 ;+lrt v"b ;DkQL 563,733.90 644,613.31 756,065.02 856,638.97 272,867.39 272,867.39

7= n#"ljQ ljQLo ;+:yfn] ;Ú/If)fsf ?kdf cfkm\gf] ;DkQL lwtf] /fvL /sd lnPsf] % eg] ;f]sf] ljj/)f . o; jif{ o; ;+:yfn] ;Ú/If)fsf ?kdf cfkm\gf] ;DkQL lwtf] /fvL s"g} /sd lnPsf] %}g . t/ ;+:yfn]

;+:yfut hdfgtdf cGo a}+s tyf ljQLo ;+:yfaf^ shf{;fk^ ;Úljwf pkef]u u/]sf] % .

8= u}/ a}+lsª ;DkQL ;DalGw ljj/)f -ut jif{sf], o; jif{ :jLsf/÷ljqmL / vÚb aF¤sL /sd_ . o; aif{ ;+:yfn] sÚg} u}/ a}+lsé ;DkQL ;sf/ u/]sf] %}g .

9= r"Qmf k+'hLdWo] clu|d e"QmfgL k|fKt (Paid in Advance), eÚQmfgL k|fKt x"g af¤sL (Calls in Arrears) / hkmt ul/Psf t/ kÚgM lgisfzg gul/;s]sf (Forfeited But Not issued) z]o/x? /x]sf] % eg] ;f]sf] ljj/)f .

o; cly{s jif{df ;+:yfsf] r"Qmf k¤'hLdf s"g} kl/jt{g ePsf] %}g t/ ;+:yfsf] %}̂ f}+ jflif{s ;fwf/)f ;efaf^ kfl/t 1M1 cg"kftdf xsk|b z]o/ hf/L ug]{ lg)f{o k|lqmofdf /x]sf]n] Call in Advance jfkt d"Vo sDkgL Unf]an cfOPdO{ a}+s lnld ]̂*af^ 7,73,20,250.00 tyf ;+rfnsaf^ ? 85,400.00 hDdf ? 7,74,05,650.00 k|fKt ePsf] % .

10= lnhxf]N* ;DkQLdf ut jif{;Dd / o; jif{ ckn]vg (Amortization) ul/Psf] /sdsf] ljj/)f . o; jif{;Dd ;+:yfsf] sÚg} klg lnhxf]N* ;DkQL gePsf]n] ckn]vg (Amortization) ul/Psf] %}g .

11= ljQLo ljj/)fx?nfO{ aÚe\mg / ljZn]if)f ug{ ;#fp k"Ug] hfgsf/L lbg cfjZos b]lvPsf cGo ljj/)f 11=1 =kmlg{r/ tyf kmlg{l;ª zfvf :yfkgf ubf{ ePsf] l;len dd{t vr{, sfk]{̂ tyf cGo dd{t ;Def/ ;d]tnfO{ kmlg{r/ tyf

kmlg{l;ª zLif{sdf ;DkQLsf] ?kdf n]vf+sg ul/Psf] % .

11=2=;DalGwt kIf ;DaGwL (Related Party Transaction) pb\#f]if o; jif{ dÚVo sDkgL Unf]an cfO{PdO{ a}+s ln=;+u lgDg sf/f]af/ ePsf] % .

/sd ?k}of+df sf/f]af/ /sd

Unf]an cfO{PdO{ a}+s ln=nfO{ af]g; z]o/ afkt nfef+; lbPsf] /sd_ 1,00,85,250.00 Unf]an cfO{PdO{ a}+s ln=af^ ljkGg au{ shf{ afkt k|fKt /sd 55,10,88,586.00 Unf]an cfO{PdO{ a}+s ln=df /flvPsf] lgIf]k /sd 8,52,91,290.38 Unf]an cfO{PdO{ a}+s ln=nfO{ Aofh vr{ afkt eÚQmfgL 4,11,44,013.14


To;}u/L sDkgLn] cGo ;Da$ AolQm;+u lgDg sf/f]af/ u/]sf] %M sf/]faf/ /sd

Unf]an cfO{PdO{ a}+s ln= tyf o; ;+:yfsf] ;+rfns ;ldltdf k|ltlglw ;+rfnsnfO{ ;d]t k|bfg ul/Psf] eQf_

5,48,700.00

k|d"v sfo{sf/L clws[t >L ls/)f s"+j/nfO{ k|bfg ul/Psf] tnj, eQf tyf af]g; ;d]t

18,37,807.00

11=3= cGt/ zfvf lx;fa ldnfg ug{ af¤sL %}g .

12= n#ÚljQ ljQLo ;+:yfsf] Ph]G;L df}Hbft eP cjlw cg";f/sf] -1 jif{, 1—3 jif{, 3 jif{eGbf a(L_ lx;fa ldnfg xÚg af¤sL /sdsf] ljj/)f .

o; jif{ ;+:yfsf] s"g} klg Ph]G;L df}Hbft lx;fa ldnfg xÚg af¤sL %}g .

13= o; cf=j= df s"g} klg shf{ ckn]vg ul/Psf] %}g .

14= :yug ul/Psf] s/ g]kfn n]vfdfg (NAS 09) cg";f/sf] c:yfoL km/s tyf bfjL of]Uo s/ ;DaGwL gf]S;fgLaf̂ pTkGgÌ xÚg] :yug

ul/Psf] s/ vr{ u)fgf u/L gfkmf gf]S;fg lx;fadf cfDbfgL hgfOPsf] % . k|:tÚt jif{;Ddsf] :yug ul/Psf] s/ bfloTjnfO{ cg';"rL 4=6 df pNn]v ul/Psf] % . :yug s/sf] u)fgf lgDgfg";f/ /x]sf] % M

Particulars 2075/76

Carrying Amount Tax Base Temporary Difference Provision for Gratuity 1,894,680.00 - 1,894,680.00 Provision for Leave Encashment 2,999,886.00 - 2,999,886.00 Fixed Assets 16,145,492.49 18,014,505.74 1,869,013.25 IPO expenses not written off 300,894.48 - (300,894.48) Provision for staff training expenses 998,166.00 998,166.67 0.67

Total of Capital & Liabilities 22,339,118.97 19,012,672.41 6,462,685.44 Deferred Tax Assets (Liabilities) @ 30% 6,701,736.00 5,703,802.00 1,938,806.00

Opening DTA/(DTL)

655,854.00 Current Year Deferred Tax Income 1,282,952.00

15= sd{rf/L cfjf; sf]if o; ;:yfn] >d P]g 2048 cgÚ;f/sf] cfjf; sf]ifsf] Joj:yf u/]sf] %}g .

16= sd{rf/L jf]g; Joj:yf sd{rf/L jf]g; Joj:yfsf] nflu jf]g; P]g 2030 / g]kfn /fi^« a}+ssf] lgb]{zgsf] clwgdf /xL gfkmf

gf]S;fg lx;fasf] ;Dk')f{ sf/f]af/ kl%sf] vÚb dÚgfkmf -jf]g; Aoj:yf ;lxt_ sf] bz k|ltztsf b/n] /sd %Ú̂ \ofpg] gLlt /x]sf] % . o; jif{ gfkmf gf]S;fg lx;faaf^ Aff]g; jfkt ? 9,730,392 Joj:yf ul/Psf] % .

17= cfos/ Joj:yf o; cfly{s jif{df cfos/ P]g, 2058 cgÚ;f/ ?= 30,399,644 cfos/ jfkt Joj:yf ul/Psf] % . ut jif{sf] :jo+s/ lgwf{/)f ubf{ / ljQLo ljj/)f tof/ ubf{ cgÚdfgsf] km/s /sdnfO{ ljut jif{;Ddsf]

s/ vr{ cGtu{t k|:t"t ul/Psf] % .

18= sd{rf/L ljbf Joj:yf jfktsf] /sd o; jif{ ;:yfn] ?=1,878,431.00 ljbf jfktsf] Joj:yf u/L sÚn Joj:yf /sd ?=2,999,886.00 sfod

u/]sf] % . To;}u/L ?=419,141.00 ljbf jfkt gub eÚQmfg ul/Psf] % .

19= sd{rf/L pkbfg Joj:yf jfktsf] /sd ;+:yfsf] sd{rf/L ;]jf ljlgodfjnL, 2070 adf]lhd sd{rf/L pkbfg jfkt o; jif{ ?=1,072,602.00

bfloTj Joj:yf ul/Psf] % .

20= k|:tfljt af]g; z]o/ nfef+z ;+:yfn] cfly{s jif{ 2075÷076 sf] ljQLo ljj/)fsf] cfwf/df pQm cjlw;Ddsf] ljt/)f of]Uo ;+lrt

gfkmf ?=49,926,442.49 af^ xfn sfod x"g cfpg] r"Qmf k'+hL ? 11 s/f]* 4 nfv 57 xhf/ 5


;osf] 35 k|ltztn] x"g] ? 38,660,125.00 af]g; z]o/ k|:tfj u/]sf] % . k|:tfljt af]g; z]o/ ljQLo ljj/)fdf z]o/ k+'hLdf ;dfj]z u/L k|:t"t ul/Psf] % . pQm af]g; z]o/df nfUg] s/ afkt gub nfef+; k|:tfj ul/Psf] % .

cf=j= 2072.073 df o; ljQLo ;+:yfsf] rf}+yf] ;fwf/)f ;efaf^ 20 k|ltzt gub nfef+z kfl/t eO{ z]o/ wgLx?nfO{ gub nfef+z ljt/)fsf] ul/lbgsf] nflu z]o/ /lhi^f/ Unf]an cfOPdO{ Soflk^n ln=nfO{ lbPsf] /sd dWo] ?=7,90,424.80 nfef+zsf] /sd e"QmfgL lbg af¤sL /x]sf] % .

21= sf]if 21=1= g]=/f=a}+ssf] lgb]{zg cg";f/ o; cf=j=df ;+:yfn] cfh{g u/]sf] d"gfkmfsf] 1 k|ltzt ?= 6,81,872.28

tyf 20 k|ltzt eGbf al( nfef+; k|fKt u/] adf]lhd ?=46,50,842.11 hDdf u/L ?= 53,32,714.38 u|Fxs ;+/If)f sf]ifdf ;fl/Psf] % .

Uf|fxs ;++/If)f sf]if Pjd\ ;b:o ;"/If)f sf]if ljj/)f /sd u|fxs ;+/If)f sf]ifdf 2075÷076 sf] z"? df}Hbft 6,52,763.00 ;b:o ;"/If)f sf]if df 2075÷076 sf] z"? df}Hbft 18,492,467.00

s"n hDdf 1,91,45,230.00

Uf|fxs ;++/If)f sf]if Pjd\ ;b:o ;"/If)f sf]ifaf^ vr{ ljj/)f /sd xfjfx"/Laf^ #/IftL /fxt ljt/)f 2,55,500.00 pTs[i^ sf]lknf artstf{x?nfO{ z}lIfs ;fdu|L ljt/)f 33,000.00 k|;"tL ePsf ;b:onfO{ kf]if)f vr{ ljt/)f 7,60,000.00 #/ cfunfuL ePsf ;b:onfO{ /fxt ljt/)f 22,624.00 ;b:ox?nfO{ tflnd tyf ljQLo ;fIf/tf 8,80,000.00 ;b:osf] >Ldfg d[To"df ;xof]u 72,000.00 ;b:osf] d[To" shf{ ldgfxf 1,355,073.00

hDdf vr{ 33,78,197.00

af+sL sf]if df}Hbft 1,57,67033.00 cf=j= 2075.76 sf] ljlgof]lht CPF /sd 53,32,714.00

Uf|fxs ;"/If)f sf]ifdf hDDff s"n df}Hbft /sd 2,10,99,746.00

21=2= g]=/f=a}+ssf] lgb]{zg cg";f/ o; cf=j=af^ ;+:yfn] cfh{g u/]sf] d"gfkmfsf] 20 k|ltzt /sd ;fwf/)f hu]*f sf]ifdf ;fl/Psf] % .

21=3= g]=/f= a}+ssf] lgb]{zg cg";f/ o; cf=j=df ;+:yfn] cfh{g u/]sf] d"gfkmfsf] 1 k|ltzt x"g cfpg] ?= 6,81,872.28 /sd ;fdflhs pQ/bfloTj sf]ifdf ;fl/Psf] % .

;fdflhs pQ/bfloTj sf]if M ;fdflhs pQ/bfloTj sf]ifaf^ vr{ ljj/)f /sd

2075÷076 sf] z"? Dff}Hbft 2,67,779.00 %fqj[lQ ljt/)f 23,000.00 ljQLo ;fIf/tf sfo{qmd 9,000.00 a[$f>d nQf, sk*fx? tyf vfBfGgx? ljt/)f 56,838.00 xfjfx"/Laf^ ePsf] #/ Ifltdf /fxt ljt/)f 1,78,121.00 hDdf vr{ 2,66,959.00 af+sL SRF /sd 820.00 cf=j=2075.76 sf] ljlgof]hLt SRF /sd 6,81,872.00 ;fdflhs pQ/bfloTj sf]ifdf s"n df}Hbft /sd 6,82,692.00

22= ut jif{sf s]xL c+sx? o; aif{sf] c+sx?;+u t"ngfof]Uo agfpg cfjZostf cgÚ;f/ k"gMjlu{s/)f÷k"gu{&g ul/Psf] % . c+sx?nfO{ lgs^td ?k+}ofdf k|:tÚt ul/Psf] % .


r=g+= M %^^÷@)&^÷&& ldlt M @)&^.)^.@*

>Ldfg\ sfo{sf/L lgb]{zsHo" g]kfn /fi6« a+}s n3'ljQ k|j4{g tyf ;'k/Lj]If0f ljefu afn'jf6f/, sf7df08f}

ljifoM jflif{s ljQLo ljj/0f k|sfzg ;DaGwdf lbOPsf] lgb]{zgsf] k|To'Q/ ;DaGwdf .

k|:t't ljifosf ;DaGwdf To; g]kfn /fi6« a}+ssf] ldlt @)&^.)^.!# ut]sf] kq ;+Vof n=lj=k|=;'=lj÷=u}/–:ynut÷ Unf]an÷)&^÷&& r=g= !!%& dfkm{t k|fKt s}lkmotx?sf ;DaGwdf lbOPsf] lgb]{zg pk/ sDkgLsf] wf/0ff ;~rfns ;ldtLsf] ldlt @)&^.^.@* ut] a;]sf] a}7s g+M !)@ sf] lg0f{o g+= ! adf]lhd o;k|sf/ /x]sf] Joxf]/f hfgsf/Lsf nflu ;fb/ cg'/f]w 5 .

lgb]{zg g+= s= zfvf sfof{noaf6 cfkm\gf] clVtof/LeGbf al9sf] shf{ :jLs[t ug]{ kl/kf6L aGb ug'{ x'g .

k|ltpQ/ M ;+:yfsf] ljBdfg ;+zf]lwt shf{ gLlt adf]lhd ;d"x hdfgLdf nufgL ul/g] ;fwf/0f shf{sf] l;df;Dd

zfvf k|d'vnfO{ clVtof/L /x]sf] / ;f] af/]df Joj:yfkgn] ldlt @)&%.!).! sf] kl/kq adf]lhd zfvf k|d'vnfO{ lbOPsf] ;fwf/0f shf{ ?= ! nfv;Dd / Joj;flos shf{ ?= ! nfv %) xhf/;Ddsf] ;Ldf clVtof/L adf]lhd nufgL ul/b} cfPsf] Joxf]/f cjut u/fpg rfxG5f} . ;f] ;Ldf eGbf dflysf shf{ /sdx? s]Gb|Lo sfof{noaf6 l:js[tL eO /x]sf]df s'g} 5'6k'6 ePsf kmfOnx? txfFsf] lgb]{zg adf]lhd cWofjlws ul/Psf] Joxf]/f hfgsf/L u/fpFb5f} .

lgb]{zg g+= v= o; a}+saf6 Ohfhtkq k|fKt æ3Æ ju{sf n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{zg–@)&% sf]

lgb]{zg g+= $=! sf] a'Fbf -3_ cg';f/ jflif{s ljQLo ljj/0f;Fu ;DalGwt ljj/0fx? ;j{;fwf/0fsf] hfgsf/Lsf] nflu jf;nft, gfkmf gf]S;fg lx;fj, gub k|jfx ljj/0f / o; lgb]{zgsf] k"FhLsf]if tflnsf -cg';"lr g+= $=@$÷$÷@$ -s_ / k|d'v ;"rsf+s -cg';"lr g+= $.@%_ cg';f/sf] klqsfdf cfly{s jif{ ;dfKt ePsf] gf}+ dlxgf leq clgjfo{ ?kdf k|sflzt ug'{kg]{ Joj:yfsf] kfngf ug'{ x'g .

k|ltpQ/ M lgb]{zg cg';f/ kfngf ug]{ u/L cfufdL jflif{s ;fwf/0f ;ef ;DkGg kZrft k|sflzt u/L ToxfF a}+sdf hfgsf/L u/fOg]5 .

lgb]{zg g+= u= g]kfn /fi6« a}+saf6 Ohfhtkq k|fKt æ3Æ ju{sf n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{zg, @)&%

sf] lgb]{zg g+== $=! -h_ cg';f/ lglZrt k|of]hgsf nflu u|fxsaf6 ;+sng ul/Psf] z'Ns ;d]taf6 l;h{gf ul/Psf] cGo bfloTj cGtu{t ;b:o ;'/If0f sf]ifdf hDdf ul/Psf] /sd ?= ! s/f]8 %% nfv !$ xhf/nfO{ !% lbg leq u|fxs ;+/If0f sf]ifdf /sdfGt/ u/L hfgsf/L lbg' x'g .

k|ltpQ/ M lgb]{zg cg';f/ cGo bfloTj cGtu{t ;b:o ;'/If0f sf]ifdf hDdf ul/Psf] /sd ?=! s/f]8 %% nfv !$ xhf/nfO{ u|fxs ;+/If0f sf]ifdf /sdfGt/ u/L cf=j=@)&^÷&& sf] c;f]h dlxgf;Ddsf] k|yd q}df; ljQLo ljj/0fdf b]vfOg]5 .

lgb]{zg g+= 3 o; a}+saf6 Ohfhtkq k|fKt æ3Æ ju{sf n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{Zfg–@)&% sf]

lgb]{zg g+= ^=!* cg';f/ ;~rfns tyf k|d'v sfo{sf/L clws[tsf nflu j}b]lzs e|d0f sfo{ljlw # dlxgf leq tof/ u/L nfu' ug'{ x'g .


k|ltpQ/ M a}+saf6 Ohfhtkq k|fKt æ3Æ ju{sf n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{Zfg–@)&% sf] lgb]{zg g+= ^=!* cg';f/ g} ldlt @)&^÷%÷#! ut] a;]sf] ;~rfns ;ldltsf] a}7s g+= !)) af6 g} ;~rfns tyf k|d'v sfo{sf/L clws[t nufot ;a} sd{rf/Lx?sf nflu j}b]lzs e|d0f sfo{ljlw @)&^ l:js[t u/L nfu' u/L ;lsPsf] hfgsf/L u/fpFb5f} .

lgb]{zg g+= ª g]kfn /fi6« a}+saf6 Ohfhtkq k|fKt æ3Æ au{sf n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{Zfg–@)&%

sf] lgb]{zg g+= !% sf] a'Fbf g+= !%=% cg';f/ ;+:yfn] blnt, d'Qm sd}of, jfbL, xlnof, åGå kLl8t, Psn dlxnf, ckfË tyf h]i7 gful/sx?nfO{ k|jfx x'g] ljkGg ju{ shf{df lng] Jofhb/df ! k|ltzt ljGb'n] ;x'lnot lbg] Joj:yfsf] kfngf ug'{ x'g .

k|ltpQ/ M txfF a}+ssf] lgb]{zg adf]lhd sfof{Gjogsf nflu cfjZos lg0f{o u/L zfvfx?df kl/kq hf/L u/L ;lsPsf] 5 .

lgb]{zg g+= r cfly{s jif{ @)&%÷&^ df ;+:yfut pQ/bfloTj sf]if / u|fxs ;+/If0f sf]ifdf hDdf u/]sf] /sd / ;f]af6 vr{ ePsf] /sd ;d]t Notes to Accounts df v'nfO{ k|sfzg ug{' x'g .

k|ltpQ/ M cfly{s jif{ @)&%÷&^ df ;+:yfut pQ/bfloTj sf]ifdf /x]sf] hDDf /sd ?= @,^&,&&(.#& / ;f]af6

?= @,^^,(^). vr{ e} ?= *!(.#& /sd afFsL /x]sf] 5 . u|fxs ;+/If0f sf]ifdf hDdf ePsf] /sd ?= ^,%@,&^#.$) af6 ?= $,)),!@%. vr{ ePsf]df ?= @,%@,^#*.*^ /sd afFsL /x]sf] df ;f] b'j}nfO{ Notes to Accounts df v'nfO{ k|sfzg ul/g]5 . ;fy} ;fdflhs pQ/bfloTj sf]if vr{ sfo{ljlw @)&% / u|fxs ;+/If0f sf]if ;~rfng sfo{ljlw @)&% tof/ u/L ;lsPsf] / ;f] sfo{ljlwx?sf cfwf/df dfq vr{ ug]{ ul/Psf] hfgsf/L u/fpFb5f} .

lgb]{zg g+= 5 a}+saf6 Ohfhtkq k|fKt æ3Æ ju{sf n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{Zfg–@)&% sf] lgb]{zg g+= !%=! Df ePsf] Joj:yf ljkl/t shf{ k|jfx ubf{ lng] u/]sf] Loan Processing Charge lng] sfo{ t'?Gt aGb ug'{ x'g .

k|ltpQ/ M txfF a}+saf6 hf/L lgb]{Zfg–@)&%sf] lgb]{zg g+= !%=! Df ePsf] Joj:yf k"0f{ ?kdf sfof{Gjogdf NofO ;lsPsf] 5 .

lgb]{zg g+= h a}+saf6 Ohfhtkq k|fKt æ3Æ ju{sf n3'ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{Zfg–@)&% sf] lgb]{zg

g+= !^=^ -s_ df ePsf] Joj:yf ljkl/t lgIf]k vftf ;~rfng u/]jfkt lng] u/]sf] kf;j's z'Ns lng] sfo{ t'?Gt aGb ug'{ x'g .

k|ltpQ/ M txfF a}+ssf] lgb]{zg g+= !^=^ -s_ df ePsf] Joj:yf k"0f{ ?kdf sfof{Gjogdf NofO ;lsPsf] hfgsf/L u/fpFb5f} .

lgb]{zg g+= em ;+:yfn] cfGtl/s tyf afx\o n]vfk/LIfs k|ltj]bg ;fy} o; a}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'k/Lj]If0f k|ltj]bgn] cf}NofPsf cGo s}lkmotx? k'gM gbf]xf]l/g] u/L oyfl;3| ;'wf/ ug'{ x'g .

k|ltpQ/M cfGtl/s n]vfk/LIf0f, afx\o n]vfk/LIf0f ;fy} To; a}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'k/Lj]If0f k|ltj]bgdf cf}NofOPsf s}lkmotx? ;'wf/ ul//x]sf] / To:tf s}lkmotx? k'gM gbf]xf]l/g] tkm{ Joj:yfkgn] cfjZos sbd rflnPsf] Joxf]/f cjut u/fpg rfxG5f} .

ejlbo, ls/0f sF'j/

k|d'v sfo{sf/L clws[t÷sDkgL ;lrj


Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf ln=sf]

;ftf} ;fwf/0f ;efdf K|f:tfljt k|jGwkq ;+;f]wgsf] # dxn] ljj/0f cg';"lr $

xfnsf] cj:yf k|:tfljt ;+;f]wg ;+;f]wg ug{' kgf{sf]

sf/0f bkmf ^= -s_ n3'ljQ ljQLo ;+:yfsf] clws[t k"FhL ?= #),)),)),))).– -cIf/]kL tL; s/f]8 dfq_ x'g]5 . ;f] kF"hLnfO{ k|lt z]o/ ?=!)) b/sf #),)),))).–-tL; nfv_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

bkmf ^= -s_ n3'ljQ ljQLo ;+:yfsf] clws[t k"FhL ?= !,)),)),)),))).– -cIf/]kL Ps ca{ dfq_ x'g]5 . ;f] kF"hLnfO{ k|lt z]o/ ?= !)) b/sf !,)),)),))).– -Ps s/f]8_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

/fli6«o:t/sf] Joj;fo lj:tf/sf] nflu k"FhLsf] cfsf/ 7"nf] agfpg cfjZos b]lvPsfn]

-v_ n3'ljQ ljQLo ;+:yfsf] tTsfn hf/L ug]{ z]o/ kF"hL ?= @@,)(,!%,))).– -cIf/]kL afO; s/f]8 gf} nfv kGw| xhf/_ x'g]5 . ;f] kF"hLnfO{ k|lt z]o/ ?= !)) b/sf @@,)(,!%).– -afO; nfv gf} xhf/ Ps ;o krf;_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

-v_ n3'ljQ ljQLo ;+:yfsf] tTsfn hf/L ug]{ z]o/ kF"hL ?= %!,(!,%),@%).– -cIf/]kL PsfpGg s/f]8 PsfgAa] nfv krf; xhf/ b'O{ ;o krf;_ x'g]5 . ;f] kF"hLnfO{ k|lt z]o/ ?= !)) b/sf %!,(!,%)@=% -PsfpGg nfv PsfgAa] xhf/ kfFr ;o b'O{ bzdnj krf;_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

Joj;fo lj:tf/sf] nflu jf]g; z]o/ hf/L ug]{ lg0f{o tyf yk k"FhL cfjZos e} xsk|b z]o/ hf/L ug]{ k|:tfj kZrft kF"hL a[l4 x'g uPsfn] .

-u_ n3'ljQ ljQLo ;+:yfsf] r'Qmf z]o/k"FhL ?= ?= @@,)(,!%,))).– -cIf/]kL afO; s/f]8 gf} nfv kGw| xhf/_ x'g]5 . ;f] kF"hLnfO{ k|lt z]o/ ?= !)) b/sf @@,=)(,!%).– -afO; nfv gf} xhf/ Ps ;o krf;_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

-u_ n3'ljQ ljQLo ;+:yfsf] r'Qmf z]o/k"FhL ?= ?= %!,(!,%),@%).– -cIf/]kL PsfpGg s/f]8 PsfgAa] nfv krf; xhf/ b'O{ ;o krf;_ x'g]5 . ;f] kF"hLnfO{ k|lt z]o/ ?= !)) b/sf %!,(!,%)@=% -PsfpGg nfv PsfgAa] xhf/ kfFr ;o b'O{ bzdnj krf;_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

Joj;fo lj:tf/sf] nflu jf]g; z]o/ hf/L ug]{ lg0f{o tyf yk k"FhL cfjZos e} xsk|b z]o/ hf/L ug]{ k|:tfj kZrft kF"hL a[l4 x'g uPsfn] .

Unf]an cfOPdO{ n3'ljQ ljQLo ;+:yf ln=sf] k|:tfljt lgodfjnL ;+;f]wgsf] # dxn] ljj/0f

xfnsf] cj:yf k|:tfljt ;+;f]wg ;+;f]wg ug{' kgf{sf]

sf/0f lgod #@ sf] -!_ -v_ ;~rfns ;ldltsf] a}7sdf pkl:yt eP jfkt cWoIf / cGo ;~rfnsn] kfpg] eQf tkl;n adf]lhd x'g]5 . s= k|lt a}7s eQf M cWoIf ?= %%)).)) ;~rfns ?= %))).))

lgod #@ sf] -!_ -v_ ;~rfns ;ldltsf] a}7sdf pkl:yt eP jfkt cWoIf / cGo ;~rfnsn] kfpg] eQf tkl;n adf]lhd x'g]5 . s= k|lt a}7s eQf M cWoIf ?= ^%)).)) ;~rfns ?= ^))).))

;do ;fk]If a[l4 ug{ cfjZos b]lvPsfn] .

lgod #@ sf] -!_ -u_ dfOqmf]kmfOgfG; ljQLo ;+:yfsf] sfdsf] l;nl;nfdf ;~rfnsnfO{ k|bfg ul/g] b}lgs tyf e|d0f eQf b]xfo adf]lhd x'g]5 . -c_ :jb]zdf b}lgs eQf ?= @))).)) -cf_ ef/tdf b}lgs eQf ef= ?= @))).)) -O=_ ef/t afx]ssf cGo ljb]zL d"n'sdf b}lgs eQf cd]l/sL 8n/ ?= ().)) -O_ e|d0f eQf lan adf]lhd .

lgod #@ sf] -!_ -u_ o; n3'ljQ ljQLo ;+:yfsf] sfdsf] l;nl;nfdf ;~rfnsnfO{ k|bfg ul/g] b}lgs tyf e|d0f eQf b]xfo adf]lhd x'g]5 . -c_ :jb]zdf b}lgs eQf ?= @%)). )) -cf_ ef/tdf b}lgs eQf ef= ?= @%)).)) -O=_ ef/t afx]ssf cGo ljb]zL d"n'sdf b}lgs eQf cd]l/sL 8n/ ?= !!).)) -O_ e|d0f eQf lan jdf]lhd .

;do ;fk]If a[l4 ug{ cfjZos b]lvPsfn] .


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