cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf]

t];|f] q}dfl;s ;dLIff

g]kfn /fi6« a}+s s]Gb|Lo sfof{no

afn'jf6f/, sf7df8f}+

ljifo–;"rL

k[i7e"ld ................................................................................ 1

cfly{s nIosf] l:ylt .................................................................... 2

df}lb|s gLltsf] sfof{Gjog l:ylt .......................................................... 3

df}lb|s nIox?sf] l:ylt .................................................................. 3

df}lb|s gLltsf] ;~rfng nIo tyf pks/0f ............................................... 4

t/ntf Joj:yfkg ...................................................................... 4

shf{ tyf ;|f]t Joj:yfkg ................................................................ 6

ljQLo If]q sfo{qmdsf] sfof{Gjog l:ylt ................................................... 6

e'QmfgL k|0ffnL ;'b[9Ls/0f ................................................................ 7

ljb]zL ljlgdo Joj:yfkg ................................................................ 7

sf]le8—!( sf] cy{tGqdf k|efj .......................................................... 7

sf]le8—!( sf] k|efj Go"gLs/0f ug{ cjnDag ul/Psf gLltut Joj:yfx? .................... 9

cGt/f{li6«o cfly{s kl/b[Zo ............................................................. 10

cfly{s tyf df}lb|s kl/b[Zo ............................................................ 10

df}lb|s gLltsf] sfo{lbzf ................................................................ 11

df}lb|s tyf ljQLo pkfox? ............................................................. 11

cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff

1

cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff

k[i7e"ld

1. rLgsf] j'xfg ;x/df ;g @)!( sf] l8;]Dj/df z'? ePsf] sf]/f]gf efO/; -sf]le8–!(_

;+qmd0fsf] dxfdf/L ljZjJofkL ag]sf] 5 . o; ;+qmd0faf6 xfn;Dd ljZje/ # nfv $&

xhf/n] Hofg u'dfO{ ;s]sf 5g\ . g]kfn ;/sf/n] ;+qmd0f /f]syfdsfnflu @)&^ r}t !! b]lv

3/d} j:g' kg]{ Joj:yf u/]sf] 5 . ;+qmd0f /f]syfdsf nflu ckgfOPsf] ;ts{tfsf afah"b

g]kfndf klg @)&& h]7 !@ ;Dd ^ ;o *@ hgf sf]le8–!( af6 ;+qmldt ePsf 5g\ .

;+qmldt dWo] !!@ hgf lgsf] eP/ 3/ kms]{sf 5g\ eg] $ hgfn] Hofg u'dfPsf 5g\ .

sf]le8–!( ;+qmd0faf6 Hofg u'dfpg' x'g] ;j}df g]kfn /fi6« a}+s efjk"0f{ >4fGhnL ck{0f ub}{

zf]s ;GtKt kl/jf/k|lt xflb{s ;da]bgf k|s6 ub{5 .

2. :jf:Yo ;+s6sf] eofjx cj:yfdf cy{tGqsf] Aoj:yfkg r'gf}tLk"0f{ ag]sf] 5 . :jf:Yo

;+s6n] l;h{gf u/]sf] cfly{s ;+s6sf] ljZjJofkL Iflt csNkgLo x'g] cg'dfg ;fj{hlgs

eO/x]sf 5g\ . ljut # jif{ nuftf/ pRr cfly{s j[l4sf] af6f]df lxl8/x]sf] g]kfnsf nflu

klg cy{tGqsf] lj:tf/ / Joj:yfkg r'gf}tLk"0f{ ag]sf] 5 . cfGtl/s cfly{s lqmofsnfkdf

b]lvPsf] lzlyntf, j}b]lzs /f]huf/Ldf pTkGg wSsf / cfk"lt{ >[+vnfdf b]vfk/]sf]

c;xhtfsf sf/0f a:t' ahf/, >d ahf/ / ljQLo ahf/sf] ;Gt'ng k|efljt x'g] hf]lvd

a9]sf] 5 .

3. sf]le8—!( dxfdf/Lsf sf/0f ljZj a}+s, cGt/f{li6«o d'b|fsf]if tyf PlzofnL ljsf; a}+s

nufotsf ;+:yfx?n] ljZj cfly{s dGbLtkm{ pGd'v ePsf] atfPsf 5g\ . ;g\ @)@) df

ljZj cy{tGq # k|ltztn] ;+s'lrt x'g] cGt/f{li6«o d'b|fsf]ifsf] k|If]k0f 5 . rfn' cfly{s jif{

g]kfnsf] cfly{s j[l4b/ @=@* k|ltzt /xg] s]Gb|Lo tYofÍ ljefusf] k|f/lDes cg'dfg 5 .

4. rfn' cfly{s jif{sf] gf} dlxgf;Dddf df}lb|s lj:tf/ nlIft ;Ldfleq /xg uPsfn] o;af6

d"No tyf jfXo If]q :yfloTjdf rfk k/]sf] lyPg . kl5NNff] ;do pTkfbg tyf cfk"lt{

Joj:yfdf pTkGg clglZrttfsf sf/0f vfBhGo d'b|f:kmLltdf eg] rfk kg{ yfn]sf] 5 . rfn'

cfly{s jif{sf] gf} dlxgf;Ddsf] tYofÍn] jfXo If]qsf] l:ylt ;fdfGo /x]sf] b]vfPtfklg

g]kfnsf k|d'v >d uGtJo d'n'sx?;d]t dxfdf/Lsf] rk]6fdf k/]sfn] jfXo If]q :yfloTj

bjfjdf kg]{] b]lvG5 .

5. Rffn' cfly{s jif{sf] * dlxgf;Dd :jfefljs ultdf cufl8 a9]sf] cy{tGqsf nflu sf]le8–!(

dxfdf/Ln] r'gf}tL yk]sf] cj:yfdf rfn' cfly{s jif{sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff

;fj{hlgs ul/Psf] 5 . @)&^ ;fpg * ut] ;fj{hlgs ul/Psf] rfn' cfly{s jif{sf] df}lb|s

gLltn] ;dli6ut dfu kIfaf6 d"No Pjd\ jfXo If]q :yfloTjdf bjfj kg{ glbg], k|efjsf/L

t/ntf Joj:yfkg ub}{ Aofhb/ :yfloTj sfod /fVg] / pTkfbg, /f]huf/L tyf pBdzLntf

ljsf;df ljQLo ;fwgsf] pknAwtfnfO{ k|f]T;fxg ug]{ sfo{lbzf to u/]sf] lyof] . sf]le8–!(

;+qmd0fsf sf/0f df}lb|s gLltsf] sfo{lbzf k|efljt x'g glbg ljut @ dlxgfb]lv ckgfOPsf

g]kfn /fi6« a}+s

2

ljQLo ;xhLs/0fsf pkfox?n] ahf/sf] ljZjf; sfod /fVg dxTjk"0f{ e"ldsf v]n]sf] o;

a}+ssf] ljZjf; 5 .

6. rfn' cfly{s jif{sf] gf} dlxgf;Ddsf] cfly{s tyf ljQLo l:ylt, sf]le8—!( dxfdf/Lsf sf/0f

/fli6«o Pjd\ cGt/f{li6«o:t/df ljsl;t 36gfqmd, df}lb|s gLltdf plNnlvt gLlt tyf

sfo{qmdx?sf] sfof{Gjog cj:yf, cfufdL sfo{lbzf tyf df}lb|s Pjd\ ljQLo pkfox?

;dfj]z u/L of] q}dfl;s ;dLIff k|ltj]bg ;fj{hlgs ul/Psf] 5 .

cfly{s nIosf] l:ylt

7. cfly{s jif{ @)&^÷&& df pTkfbssf] d"Nodf @=@* k|ltzt cfly{s j[l4 x'g] s]Gb|Lo tYofÍ

ljefusf] k|f/lDes cg'dfg 5 -tflnsf !_ . rfn' cfly{s jif{df wfg pTkfbg 36\g'sf] ;fy}

sf]le8–!( dxfdf/Lsf sf/0f pTkfbg tyf cfk"lt{ k|0ffnL k|efljt x'g uO{ cy{tGqsf ;a}

If]q k|efljt ePsf 5g\ . o;y{, rfn'

cfly{s jif{df vfgL tyf pTvgg,

pTkfbg, lgdf{0f, xf]6]n tyf /]i6'/]G6

Pjd\ oftfoft pkIf]qsf] j[l4 C0ffTds

/xg] s]Gb|Lo tYofÍ ljefusf] cg'dfg

5 .

8. cfly{s jif{ @)&^÷&& df s'n ufx{:Yo

pTkfbg;Fu pkef]usf] cg'kft a9\g] /

s'n /fli6«o art, s'n l:y/ k'FhL lgdf{0f / ;fwg cGt/ (Resource Gap) sf] cg'kft 36\g]

cg'dfg 5 . s'n ufx{:Yo pTkfbgdf pkef]usf] cg'kft ut cfly{s jif{ *! k|ltzt /x]sf]df

rfn' cfly{s jif{ *!=( k|ltzt sfod x'g] cg'dfg 5 . To;}u/L, s'n /fli6«o artsf] s'n

ufx{:Yo pTkfbg;Fusf] cg'kft ut jif{sf] $*=( k|ltztaf6 rfn' cfly{s jif{ $^ k|ltzt /

s'n l:y/ k'FhL lgdf{0fsf] s'n ufx{:Yo pTkfbg;Fusf] cg'kft ut jif{sf] ##=& k|ltztaf6

rfn' cfly{s jif{ @*=! k|ltzt /xg] cg'dfg 5 .

9. rfn' cfly{s jif{df s'n

jrtdf ;fdfGo j[l4

ePsf] tyf s'n nufgLdf

sdL cfPsf sf/0f ;fwg

cGt/sf] s'n ufx{:Yo

pTkfbg;Fusf] cg'kft ut

jif{ &=& k|ltztn]

C0ffTds /x]sf]df rfn'

jif{df $=! k|ltztn]

C0ffTds /xg] cg'dfg

5 .

Tfflnsf !M cfly{s j[l4b/

-k|ltztdf_

ljj/0f @)&$÷&% @)&%÷&^ @)&^÷&&* cfly{s j[lbb/

-pTkfbssf] d"Nodf_ 6.70 6.99 2.28

s[lif 2.82 5.06 2.59 u}/ s[lif 7.74 7.37 2.27 pBf]u 9.57 7.72 3.23 ;]jf 7.24 7.27 1.99 * k|f/lDes cg'dfg . ;|f]tM s]Gb|Lo tYofÍ ljefu .

tflnsf @ M k|b]zut cfly{s l:ylt

k|b]z

cfly{s j[l4b/ s'n ufx{:Yo pTkfbgdf c+z

@)&%÷&^ @)&^÷&&* @)&%÷&^ @)&^÷&&* 1 7.40 3.41 15.7 15.8 2 8.12 2.28 13.6 13.8

afudtL 6.40 1.23 36.4 35.8 u08sL 6.65 2.68 8.9 8.9

5 6.78 2.00 14.2 14.2 s0ff{nL 8.10 3.58 4.2 4.3

;'b"/–klZrd 6.90 4.08 7.0 7.2 g]kfn 6.99 2.28 100.0 100.0

* k|f/lDes cg'dfg, pTkfbssf] d"Nodf . ;|f]tM s]Gb|Lo tYofÍ ljefu .

cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff

3

10. cfly{s jif{ @)&^÷&& df k|ltJolQm s'n ufx{:Yo pTkfbg cd]l/sL 8n/ !)*% k'Ug] cg'dfg

5 . cfly{s jif{ @)&%÷&^ df o:tf] pTkfbg cd]l/sL 8n/ !)#( /x]sf] lyof] .

11. k|b]zut cfwf/df cfly{s j[l4b/sf] t'ngf ubf{ cfly{s jif{ @)&^÷&& df ;'b"/–klZrd

k|b]zsf] ;j}eGbf pRr / afudtL k|b]zsf] ;j}eGbf Go"g /xg] s]Gb|Lo tYofÍ ljefusf]

k|f/lDes cg'dfg 5 . b]zsf] s'n ufx{:Yo pTkfbgdf of]ubfgsf cfwf/df t'ngf ubf{ afudtL

k|b]zsf] of]ubfg ;j}eGbf pRr / s0ff{nL k|b]zsf] ;j}eGbf Go"g /x]sf] 5 -tflnsf @_ .

12. cfly{s jif{ @)&^÷&& df jflif{s cf};t pkef]Qmf

d'b|f:kmLlt ^ k|ltztsf] ;Ldfleq /fVg] nIo

/x]sf]df klxnf] gf} dlxgfdf cf};t pkef]Qmf

d'b|f:kmLlt ^=% k|ltzt /x]sf] 5 . jflif{s ljGb'ut

cfwf/df @)&^ r}tdf pkef]Qmf d'b|f:kmLlt ^=&

k|ltzt /x]sf] 5 . @)&% r}tdf o:tf] d'b|f:kmLlt

$=$ k|ltzt /x]sf] lyof] -tflnsf #_ .

13. ;dLIff cjlwdf lgof{t !@=( k|ltztn] j[l4 ePsf] / cfoft &=% k|ltztn] 36]sf sf/0f ut

jif{sf] ;f]xL cjlwsf] t'ngfdf Jofkf/ 3f6fdf *=( k|ltztn] sdL cfPsf] 5 .

14. slDtdf & dlxgfsf] j:t' tyf ;]jf cfoft wfGg kof{Kt /xg] u/L ljb]zL ljlgdo ;l~rlt

sfod ug]{ nIo /x]sf]df @)&^ r}t d;fGtdf sfod ljb]zL ljlgdo ;l~rltn] (=% dlxgfsf]

j:t' tyf ;]jf cfoft wfGg k'Ug] b]lvG5 .

15. ;dLIff cjlwdf rfn' vftf ?= !#% ca{ %$ s/f]8n] 3f6fdf / zf]wgfGt/ l:ylt ?= #^ ca{

^! s/f]8n] artdf /x]sf] 5 . lgof{t j[l4, cfoft ;+s'rg, ko{6g Joodf cfPsf] sdL, jfXo

C0f kl/rfng / k|ToIf j}b]lzs nufgLdf ePsf] j[l4sf sf/0f zf]wgfGt/ l:ylt artdf /xg

uPsf] xf] .

16. cfly{s jif{ @)&^÷&& sf] gf} dlxgfdf a}+lsË sf/f]af/df cfwfl/t ;/sf/sf] ljQ l:ylt

?= %^ ca{ @* s/f]8n] 3f6fdf /x]sf] 5 . o; cjlwdf a}+lsË sf/f]af/df cfwfl/t -;f]em}

e'QmfgL / e'QmfgL lng afFsL r]safx]s_ ;+3Lo ;/sf/sf] s'n vr{ ?= ^#* ca{ ! s/f]8 /

/fh:j ;+sng -k|b]z tyf :yfgLo txdf afF8kmfF6 x'g] /sd;d]t_ ?= %() ca{ &^ s/f]8

/x]sf]] 5 .

df}lb|s gLltsf] sfof{Gjog l:ylt

df}lb|s nIox?sf] l:ylt

17. cfly{s jif{ @)&^÷&& sf] df}lb|s

gLltn] lj:t[t d'b|fk|bfosf] jflif{s

j[l4b/ !* k|ltztdf ;Lldt ug]{

Tfflnsf #M pkef]Qmf d'b|f:kmLlt b/

-k|ltztdf_

ljj/0f

jflif{s cf};t jflif{s laGb'ut

@)&$÷&% @)&%÷&^ @)&%

r}t

@)&^

r}t

;du| 4.2 4.6 4.4 6.7 vfB 2.7 3.1 2.8 9.7 u}/–vfB 5.3 5.9 5.7 4.5

tflnsf $M df}lb|s nIox?sf] l:ylt

-k|ltzt_

j[l4b/

jflif{s laGb'ut

cf=j= @)&^÷&&

-k|If]lkt_

@)&^ r}t d;fGt

-oyfy{_

lj:t[t d'b|fk|bfo !*=) !%=#

cfGtl/s shf{ @$=) !$=@

lghL If]qtkm{sf] shf{ @!=) !%=$

g]kfn /fi6« a}+s

4

nIo /fv]sf]]df jflif{s ljGb'ut cfwf/df @)&^ r}t d;fGtdf o:tf] j[l4b/ !%=# k|ltzt

/x]sf] 5 .

18. cfly{s jif{ @)&^÷&& df s'n cfGtl/s shf{sf] j[l4b/ @$ k|ltztdf / lghL If]qtkm{sf]

shf{sf] j[l4b/ @! k|ltztdf ;Lldt /fVg] k|If]k0f /x]sf]df @)&^ r}t d;fGtdf o:tf] shf{sf]

jflif{s ljGb'ut j[l4b/ qmdzM !$=@ k|ltzt / !%=$ k|ltzt /x]sf] 5 .

19. @)&^ c;f/ d;fGtsf] t'ngfdf @)&^ r}t d;fGtdf g]kfnL ¿k}ofF cd]l/sL 8n/;Fu !)=@

k|ltztn] cjd"Nog eO{ k|lt cd]l/sL 8n/ vl/b ljlgdo b/ ?= !@!=&^ k''u]sf] 5 . cl3Nnf]

jif{sf] ;f]xL cjlwdf g]kfnL ?k}ofF cd]l/sL 8n/;Fu )=( k|ltztn] cjd"Nog ePsf] lyof] .

df}lb|s gLltsf] ;~rfng nIo tyf pks/0f

20. sf]le8—!( dxfdf/Lsf sf/0f k|efljt cy{tGqnfO{ ;xhLs/0f ug{ o; a}+sn] t/ntf j[l4

ug]{ / Aofhb/ 36fpg] gLlt cjnDjg u/]sf] 5 . o; qmddf a}+s b/, clgjfo{ gub cg'kft

/ ljBdfg Aofhb/ sl/8f]/ cGtu{tsf b/x?nfO{ @)&^ r}t !^ ut] ! k|ltzt ljGb'n] 36fO{

a}+s b/nfO{ ^ k|ltztaf6 % k|ltzt / clgjfo{ gub cg'kftnfO{ $ k|ltztaf6 # k|ltzt

sfod ul/Psf] lyof] .

21. sl/8f]/sf] dflyNnf] ;Ldfsf] ?kdf /x]sf] :yfoL t/ntf ;'ljwf b/nfO{ ^ k|ltztaf6 %

k|ltzt, gLltut b/sf] ?kdf /x]sf] l/kf] b/nfO{ $=% k|ltztaf6 #=% k|ltzt / tNnf]

;Ldfsf] ?kdf /x]sf] lgIf]k ;+sng b/nfO{ # k|ltztaf6 @ k|ltzt sfod ul/Psf] lyof] .

22. jfl0fHo a}+sx?n] sfod ug'{kg]{ j}wflgs t/ntf cg'kft !) k|ltzt, ljsf; a}+sx?sfnflu *

k|ltzt / ljQ sDkgLx?sf nflu & k|ltzt /x]sf] 5 .

23. df}lb|s gLltsf] ;~rfng nIosf] ?kdf lnOPsf] jfl0fHo a}+sx?aLrsf] cGt/a}+s sf/f]af/ b/

@)&^ r}t dlxgfdf @=!# k|ltzt /x]sf] 5 . @)&% r}tdf o:tf] cGt/a}+s sf/f]af/ b/ %=@*

k|ltzt /x]sf] lyof] .

t/ntf Joj:yfkg

t/ntf k|jfx

24. ;dLIff cjlwdf v'nf ahf/ sf/f]af/dfkm{t\

s'n ?= !!# ca{ && s/f]8 / :yfoL t/ntf

;'ljwfdfkm{t\ ?= &# ca{ ^ s/f]8 u/L s'n

?= !*^ ca{ *# s/f]8 t/ntf k|jfx

ul/Psf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf

v'nf ahf/ sf/f]af/dfkm{t\ s'n ?= #( ca{

%# s/f]8 / :yfoL t/ntf ;'ljwfdfkm{t\ ?=

( ca{ &@ s/f]8 u/L s'n ?= $( ca{ @%

s/f]8 t/ntf k|jfx ul/Psf] lyof] .

tflnsf %M t/ntf k|zf]rg tyf k|jfx

-?= ca{df_

ljj/0f gf} dlxgf

@)&%÷&^ @)&^÷&&

-s_ t/ntf k|zf]rg 100.35 58.00 lgIf]k ;+sng 79.65

30.00

l/e;{ l/kf] 20.70 28.00 ;f]e}m laqmL af]nsaf]n -

- lgIf]k ;+sng (IRC) -

- -v_ t/ntf k|jfx 49.25 186.83

;f]e}m vl/b af]nsaf]n -

- l/kf] 35.53

4 108.55

l/kf] (IRC) 4.00 5.22 :yfoL t/ntf ;'ljwf 9.72 73.06

cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff

5

25. ;dLIff cjlwdf o; a}+sn] ljb]zL ljlgdo ahf/ -jfl0fHo a}+sx?_ af6 cd]l/sL 8n/ @ ca{

^& s/f]8 v'b vl/b u/L ?=#)% ca{ *^ s/f]8 v'b t/ntf k|jfx u/]sf] 5 .

t/ntf k|zf]rg

26. cfly{s jif{ @)&^÷&& sf] gf} dlxgf;Dddf v'nfahf/ sf/f]af/ cGtu{tsf ljleGg

pks/0fx?dfk{mt\ k6s–k6s u/L s'n ?= %* ca{ t/ntf k|zf]rg ul/Psf] 5 . cl3Nnf]

jif{sf] ;f]xL cjlwdf ?= !)) ca{ #% s/f]8 t/ntf k|zf]rg ul/Psf] lyof] -tflnsf %_ .

ef/tLo d'b|f vl/b

27. ;dLIff cjlwdf cd]l/sL 8n/ # ca{ ^ s/f]8 laqmL u/L ?=#%) ca{ ( s/f]8 a/fa/sf]

ef/tLo ?k}ofF vl/b ePsf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf cd]l/sL 8n/ # ca{ !^ s/f]8

/ cGo kl/jTo{ ljb]zL d'b|f laqmL u/L s'n ?= #(# ca{{ && s/f]8 a/fa/sf] ef/tLo ?k}ofF

vl/b ul/Psf] lyof] .

cGt/a}+s sf/f]af/

28. cfly{s jif{ @)&^÷&& sf] gf} dlxgf;Dddf jfl0fHo a}+sx?n] ?= !@^@ ca{ @& s/f]8 / cGo

ljQLo ;+:yfx?n] ?= !!^ ca{ %# s/f]8 u/L s'n ?= !#&* ca{ *) s/f]8sf] cGt/a}+s

sf/f]af/ u/]sf 5g\ . cl3Nnf] jif{sf] ;f]xL cjlwdf jfl0fHo a}+sx? / cGo ljQLo ;+:yfx?n]

qmdzM ?= !!%) ca{ *) s/f]8 / ?= !%( ca{ *@ s/f]8 u/L s'n ?= !#!) ca{ ^@

s/f]8sf] o:tf] sf/f]af/ u/]sf lyP .

Aofhb/

29. @)&% r}tdf (!–lbg] 6«]h/L ljnsf]

efl/t cf};t Aofhb/ $=$$

k|ltzt /x]sf]df @)&^ r}tdf @=!# k|ltzt sfod ePsf] 5 . To;}u/L,

jfl0fHo a}+sx¿aLrsf] cGt/a}+s

sf/f]af/sf] efl/t cf};t Aofhb/

@)&% r}tsf] %=@* k|ltztsf]

t'ngfdf @)&^ r}tdf @=!# k|ltzt

/x]sf] 5 . cGo ljQLo ;+:yfx¿aLrsf] cGt/a}+s sf/f]af/sf] efl/t cf};t Aofhb/ @)&%

r}tsf] %=)^ k|ltztsf] t'ngfdf @)&^ r}tdf #=%@ k|ltzt sfod ePsf] 5 -tflnsf ^_ .

30. @)&^ r}tdf jfl0fHo a}+sx?sf] lgIf]ksf] efl/t cf};t Aofhb/ ^=&$ k|ltzt / shf{sf]

efl/t cf};t Aofhb/ !!=&& k|ltzt /x]sf] 5 . cl3Nnf] jif{sf] ;f]xL dlxgfdf oL b/x?

qmdzM ^=^& k|ltzt / !@=@* k|ltzt /x]sf lyP . To;}u/L, jfl0fHo a}+sx?sf] cfwf/ b/

@)&% r}t dlxgfdf (=^$ k|ltzt /x]sf]df @)&^ r}t dlxgfdf (=#^ k|ltzt sfod ePsf]

5 .

tflnsf ^ M efl/t cf};t Aofhb/ -k|ltztdf_

ljj/0f c;f/ r}t

@)&% @)&^ @)&% @)&^

(!–lbg] 6«]h/L ljn 3.74 4.97 4.44 2.13

cGt/–a}+s b/ 2.96 4.52 5.28 2.13

shf{sf] efl/t cf};t Aofhb/ 12.47 12.13 12.28 11.77

lgIf]ksf] efl/t cf};t Aofhb/ 6.49 6.60 6.67 6.74

cfwf/ b/ 10.47 9.57 9.64 9.36

g]kfn /fi6« a}+s

6

shf{ tyf ;|f]t Joj:yfkg

31. a}+s tyf ljQLo ;+:yfx?n] ljb]zL a}+s, k]G;g kmG8, x]h kmG8 nufotsf ;|f]taf6 ^ dlxgf

cjlwsf] LIBOR b/df yk $ k|ltzt;Ddsf] Aofh b/ sfod x'g]u/L C0f lng ;Sg] Joj:yf

cGtu{t @)&^ r}t d;fGt;Dd ( a}+s tyf ljQLo ;+:yf -n3'ljQ ljQLo ;+:yf ;d]t_ n]

cd]l/sL 8n/ !# s/f]8 ^ nfv / hfklgh o]g ! s/f]8 !) nfv C0f lng :jLs[lt lnPsf

5g\ . o; dWo]]] * a}+s tyf ljQLo ;+:yfn] cd]l/sL 8n/ !) s/f]8 !^ nfv / hfklgh o]g

! s/f]8 % nfv C0f k|fKt u/]sf 5g\ .

32. jfl0fHo a}+sx?n] @)&& c;f/ d;fGtleq cfˆgf] r'Qmf k'FhLsf] Go"gtd @% k|ltzt a/fa/

C0fkq hf/L ug'{kg]{ Joj:yf /x]sf]df @)&^ r}t d:ffGt;Dd !* jfl0fHo a}+sx?n] ?= %@ ca{

^) s/f]8sf] C0fkq hf/L u/]sf 5g\ .

33. o; a}+saf6 k|bfg ul/g] k'g/shf{ ;'ljwfnfO{ k|efjsf/L agfpg k'g/shf{ sfo{ljlw hf/L

ul/g'sf ;fy} k'g/shf{ sf]ifsf] ;Ldf j[l4 u/L ?= ^) ca{ k'¥ofOPsf] 5 . @)&^ r}t

d;fGt;Dd s'n ?= !* ca{ #! s/f]8 k'g/shf{ nufgLdf /x]sf] 5 .

34. ;x'lnotk"0f{ shf{ Joj:yfnfO{ yk k|efjsf/L agfpg a}+s tyf ljQLo ;+:yfx?n] @)&&

c;f/ d;fGt;Dd k|jfx ug'{kg]{ shf{sf] Go"gtd ;+Vof ;d]t lgwf{/0f ul/Psf] 5 . @)&^ r}t

d;fGt;Dddf @*,^%( C0fLx¿df ?= %# ca{ *& s/f]8 ;x'lnotk"0f{ shf{ nufgLdf /x]sf]

5 . o;dWo] @#,$)( C0fLx¿df ?= %) ca{ $& s/f]8 Jofj;flos s[lif tyf kz'kG5L shf{

/ %,@%) C0fLx¿nfO{ ?= # ca{ $! s/f]8 cGo k|sf/sf] shf{ nufgLdf /x]sf] 5 .

35. afl0fHo a}+sx?n] s'n shf{sf] slDtdf !) k|ltzt s[lif tyf !% k|ltzt pmhf{, ko{6g

nufotsf k|fyldstfk|fKt If]qx?df k|jfx ug{'kg]{ Joj:yf /x]sf]df @)&^ r}t d;fGt;Dd oL

a}+sx?sf] s[lifdf !) k|ltzt cyf{t ?= @^^ ca{, pmhf{df %=# k|ltzt cyf{t ?= !$) ca{ /

ko{6gdf $=( k|ltzt cyf{t ?= !#) ca{ nufgLdf /x]sf] 5 .

ljQLo If]q sfo{qmdsf] sfof{Gjog l:ylt

36. ljQLo If]q ;'b[9Ls/0f ug]{ gLltut Joj:yf cg'?k a}+s tyf ljQLo ;+:yfx? Ps cfk;df

ufEg]÷ufleg] jf k|flKt ug]{ k|lqmofn] rfn' cfly{s jif{df lg/Gt/tf kfPsf] 5 . ;dLIff

cjlwdf Ps cfk;df ufEg]÷ufleg] jf k|flKt ug]{ k|lqmofdf $ jfl0fHo a}+s ;lxt @^ ;+:yf

;+nUg eO{ !@ ;+:yfsf] Ohfht vf/]h ePsf] 5 .

37. :jMk|of]hgsf] nflu lgdf{0f÷vl/b ul/g] klxnf] 3/sf] nflu k|bfg ul/g] shf{df C0f e'QmfgL

cfDbfgL cg'kft (DTI) clwstd ^) k|ltzt sfod ug'{kg]{ Joj:yf ul/Psf] 5 .

38. :jMk|of]hgsf nflu lgdf{0f÷vl/b ul/g] klxnf] 3/ tyf ?= %) nfvb]lv ?= @ s/f]8;Ddsf]

s[lif, ko{6g Pjd\ ;fgf tyf demf}nf k]zf÷Joj;fosf nflu s/ bflvnf sfuhftsf] cfwf/df

shf{ k|bfg÷gjLs/0f ug]{ Joj:yf ldnfOPsf] 5 .

39. lgodfg';f/ btf{ ePsf 3/hUuf Joj;fo sDkgLx?n] ;~rfng ug]{ g]kfn ;/sf/sf]

;DjlGwt lgsfoaf6 cg'dlt k|fKt cfof]hgfsf nflu k|bfg ul/g] shf{sf] C0f d"No cg'kft

cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff

7

(LTV Ratio) dxfgu/kflnsf, pkdxfgu/kflnsf / sf7df8f}+ dxfgu/kflnsf;Fu hf]l8Psf

gu/kflnsf If]qdf clwstd %) k|ltzt / ;f] afx]ssf If]qdf ^) k|ltzt ug{ ;lsg]

Joj:yf ul/Psf] 5 .

40. k|fyldstfk|fKt If]qdf k|jfx x'g] shf{nfO{ yk k|f]T;flxt ug{ ;"Id lgu/fgL (watch list)

;DaGwL Joj:yfdf k'g/fjnf]sg ul/Psf] 5 .

e'QmfgL k|0ffnL ;'b[9Ls/0f

41. ljB'tLo dfWodaf6 ul/g] e'QmfgLnfO{ clej[l4 ub}{ gub sf/f]af/nfO{ qmdzM 36fpFb} n}hfg]

gLlt cg'?k @)&^ r}t d;fGt;Dd ( e'QmfgL k|0ffnL ;~rfns / !# e'QmfgL ;]jf k|bfos

u/L @@ ;+:yfx¿nfO{ cg'dlt k|bfg ul/Psf] 5 .

42. e'QmfgL k|0ffnLsf] cfw'lgsLs/0f ug]{ qmddf jf:tljs ;dodf km:of}{6 x'g] k|0ffnL (RTGS)

;~rfngdf NofOPsf] 5 .

43. g]kfnL d'b|fdf ul/g] e'QmfgL tyf km:of}{6 sf/f]af/nfO{ sf8{dfkm{t e'QmfgL] ;xhLs/0f ug{]

p2]Zon] Union Pay International / Smart Choice Technology sf] ;xsfo{df Co-Brand sf8{

hf/L ePsf] 5 .

ljb]zL ljlgdo Joj:yfkg

44. ljk|]if0f cfk|jfxnfO{ /fli6«o k|fyldstfsf If]qdf kl/rfng ug{ tyf cf}krfl/s dfWodsf]

k|of]unfO{ a9fjf lbg j}b]lzs /f]huf/ artkqsf] laqmL jif}{e/L v'nf ug]{ Joj:yf

sfof{Gjogdf cfPsf] 5 .

45. ljb]zL ljlgdo sf/f]af/ lgodg yk k|efjsf/L / Jojl:yt agfpg] p2]Zon] cf}krfl/s

dfWod jflx/ x'g] ljk|]if0f nufotsf sf/f]af/nfO{ a}+lsË k|0ffnLsf] bfo/fdf Nofpg pRr:t/Lo

;+oGqsf] k'g{u7g ul/Psf] 5 . ;fy}, ;fdflhs ;~hfn tyf cgnfOgdfkm{t\ x'g] lj1fkgjfkt

ljb]zL d'b|fdf x'g] e'QmfgL tyf k|flKtsf] Joj:yfkg ;DaGwL ;j{;fwf/0fdf ;"rgf hf/L

ul/Psf] 5 .

46. j}b]lzs nufgL cfk|jfxnfO{ k|f]T;fxg ug{ ljb]zL ljlgdo OsfOnfO{ k|efjsf/L agfpFb} o;

a}+ssf] :jLs[ltsf nflu k|fKt lgj]bg pk/ oyfzL3| lg0f{o ug{] Joj:yf ldnfOPsf] 5 .

sf]le8—!( sf] cy{tGqdf k|efj

47. ljut tLg jif{df cf};t &=# k|ltzt cfly{s j[l4 xfl;n ePsf]df rfn' cfly{s jif{;d]t

;f]xL k|j[lQ sfod /xg] k|If]k0f /x]sf] lyof] . sf]le8k"j{sf] cj:yfdf rfn' cfly{s jif{sf nflu

o; a}sn] u/]sf] & k|ltzt cfly{s j[l4sf] k|If]k0f / s]Gb|Lo tYofÍ ljefun] xfn} ;fj{hlgs

u/]sf] @=@* k|ltzt cfly{s j[l4sf] cg'dfgaLrsf] cGt/sf cfwf/df sf]le8–!( dxfdf/Lsf

sf/0f k|rlnt d"Nodf dfkg ul/Psf] s'n ufx{:Yo pTkfbgdf ?= !^* ca{ gf]S;fgL x'g]

k|f/lDes cg'dfg 5 .

g]kfn /fi6« a}+s

8

48. @)&^ r}tb]lv @)&& a}zfv;Dddf ?= & ca{ !^ s/f]8sf] lgof{t / ?= !)) ca{ ()

s/f]8sf] cfoft ePsf] 5 . ut jif{sf] ;f]xL cjlwdf ?= !& ca{ #! s/f]8sf] lgof{t /

?= @@( ca{ # s/f]8sf] cfoft ePsf] lyof] .

49. @)&^ r}tb]lv @)&& a}zfv;Ddsf] cjlwdf sl/j ?= &% ca{ $* s/f]8 ljk|]if0f k|fKt ePsf]

cg'dfg 5 . ut jif{sf] ;f]xL cjlwdf ?= !$# ca{ !! s/f]8 ljk|]if0f k|fKt ePsf] lyof] .

@)&^ kmfu'gdf ?= % ca{ !) s/f]8 ko{6g cfo k|fKt ePsf]df @)&^ r}tdf ?= ! ca{ ^)

s/f]8 k|fKt ePsf] 5 .

50. @)&^ r}tb]lv @)&& a}zfv;Ddsf] cjlwdf a}+s tyf ljQLo ;+:yfn] ?= *# ca{ lgIf]k

;+sng / ?= @@ ca{ shf{ nufgL u/]sf] ckl/is[t tYofÍ 5 .

51. @)&^ r}tb]lv @)&& a}zfv;Ddsf] cjlwdf a}+lsË k|0ffnLdf ;'ljwfhgs t/ntf /x]sf] 5 .

@)&& a}zfv dlxgfdf a}lsË k|0ffnLdf cf};t ?= $( ca{ @ s/f]8 clws t/ntf /x]sf] 5 .

tflnsf & M k|d'v cfly{s ;"rsx?sf] l:ylt -?= ca{df_

ljj/0f

2075⁄76 2076/77

@)&%

r}t

@)&^

a}zfv

@)&^

kmfu'g

@)&^

r}t

@)&&

a}zfv* pkef]Qmf d'b|f:kmLltb/

-jflif{s laGb'ut cfwf/df_ 4.44 5.29 6.7 6.74 -

pkef]Qmf d'b|f:kmLltb/

-cl3Nnf] dlxgfsf] t'ngfdf_ 0.58 1.19 -0.27 0.62 -

vfB tyf k]o kbfy{ 1.35 1.54 -0.66 1.68 -

u}/ vfB tyf ;]jf -0.02 0.93 0.04 -0.21 -

s'n lgof{t 8.6 8.7 9.9 3.9 3.2

s'n cfoft 112.5 116.5 120.6 58.3 42.6

e|d0f cfo 7.1 9.0 5.1 1.6 -

e|d0f Joo 6.4 5.7 5.4 1.2 -

ljk|]if0f cfk|jfx 71.0 72.1 79.2 34.5 44

s'n ;/sf/L vr{ - - 124.1 64.6 85.8

rfn' vr{ - - 85.1 44.6 76.7

k'FhLut vr{ - - 19.6 8.7 9.1

s'n /fh:j - - 54.4 43.9 16.1

s'n lgIf]k 24.9 29.2 51.0 53.4 29.6

lghL If]qtkm{sf] shf{ 46.5 15.6 35.6 40.0 -18.0

lgIf]ksf] efl/t cf};t Aofhb/ 6.67 6.67 6.77 6.74 –

shf{sf] efl/t cf};t Aofhb/ 12.28 12.23 11.8 11.77 –

;|f]tM g]kfn /fi6« a}+s / dxfn]vf lgoGqs sfof{no .

*ckl/is[t tYofÍ . –pknJw eO{ g;s]sf] .

cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff

9

52. @)&^ r}tb]lv @)&& a}zfv;Ddsf] cjlwdf ?= #! ca{ ^( s/f]8 t/ntf k|jfx ePsf] 5 .

o; cGtu{t :yfoL t/ntf ;'ljwfdfkm{t ?= #) ca{ !# s/f]8 / cf]e/gfO6 l/kf]dfkm{t\ ?= !

ca{ %^ s/f]8 v'b t/ntf k|jfx ePsf] 5 .

53. @)&^ r}tb]lv @)&& a}zfv;Ddsf] cjlwdf jfl0fHo a}+sx?aLr ?= !%# ca{ @) s/f]8 /

ljQLo ;+:yfx?aLr -afl0fHo a}+sx?aLr afx]s_ ?= * ca{ # s/f]8 cGt/a}+s sf/f]af/ ePsf]

5 . jfl0fHo a}+sx?aLrsf] cGt/a}+s sf/f]af/ b/ @)&^ r}tdf @=!# k|ltzt /x]sf]df @)&&

a}zfvdf $=)^ k|ltzt sfod ePsf] 5 .

54. rfn' cfly{s jif{df g]kfn ;/sf/n] ?= !(% ca{ cfGtl/s C0f kl/rfng ug]{ of]hgf /x]sf]df

@)&& h]7 ( ;Dddf ?= $% ca{ a/fa/sf] 6«]h/L ljn, ?= !)) ca{ a/fa/sf] ljsf;

C0fkq, ?= !# s/f]8 %) nfv a/fa/sf] gful/s artkq / ?= %) nfv @) xhf/ a/fa/sf]

a}b]lzs /f]huf/ artkq;d]t u/L s'n ?= !$% ca{ !$ s/f]8 @) xhf/ cfGtl/s C0f

kl/rfng ePsf] 5 .

sf]le8—!( sf] k|efj Go"gLs/0f ug{ cjnDag ul/Psf Joj:yfx?

55. sf]le8—!( ;+qmd0f /f]syfd ug{ rflnPsf sbdaf6 cy{tGqdf kg{ uPsf] c;/nfO{ b[li6ut

u/L t/ntfnfO{ yk ;xh agfpg] / Aofhb/ s6f}tL ug{] p2]Zon] o; a}+sn] @)&^ r}t !^

df clgjfo{ gub cg'kft, a}+sb/ / l/kf]b/df s6f}tL u/]sf] lyof] .

56. sf]le8—!( dxfdf/Lsf sf/0f k|efljt ePsf t/ tf]lsPsf If]qsf C0fLx?afx]ssf nflu

@)&^ r}tdf sfod Aofhb/df cfwf/ b/eGbf sd gx'g] u/L @ k|ltzt ljGb'n] sd u/L rfn'

cfly{s jif{sf] rf}yf] qodf;sf] Aofh u0fgf ug'{kg]{ Joj:yf ul/Psf] 5 . pko'{Qm Joj:yf

cGtu{t v'b|f n3'ljQ shf{ sf/f]af/ ug]{ n3'ljQ ljQLo ;+:Yffn] # k|ltzt / yf]s shf{

sf/f]jf/ ug]{ n3'ljQ ljQLo ;+:yfn] @ k|ltzt ljGb'n] sd u/L Aofhb/ u0fgf ug'{kg]{

Joj:yf ul/Psf] 5 .

57. pTkfbgd'ns tyf k|fyldstfk|fKt If]qdf dfu x'g] shf{nfO{ Wofgdf /fvL k'g/shf{ sf]ifsf]

;Ldf j[l4 u/L ?= ^) ca{ k'¥ofpg] / o;nfO{ qmlds ?kdf j9fpFb} n}hfg] gLlt lnOPsf] 5 .

k'g/shf{ ;'ljwfdf sf]le8–!( af6 k|efljt ;fgf tyf demf}nf pBf]unfO{ k|fyldstf lbg]

Joj:yf ldnfOPsf] 5 .

58. @)&^ r}tb]lv @)&& h]7;Dd e'QmfgL ug'{kg]{ shf{ bfloTjx?nfO{ @)&& c;f/ d;fGt;Dd

e'QmfgL ug{ ;lsg] Joj:yf ul/Psf] 5 . ;fy}, rfn' k'FhL k|s[ltsf cNksfnLg shf{x?sf]

e'QmfgL cjlw ^) lbg;Dd yk ug{ ;Sg] Joj:yf ul/Psf] 5 .

59. @)&^ k'; d;fGt;Dd ;fFjf / Aofh lgoldt e'QmfgL ul//x]sf ko{6g tyf oftfoft If]qsf

C0fLx?n] cNksfnLg shf{ dfu u/]df ;fFjf tyf Aofh aSof}tf /x]tfklg cfjZostf cg';f/

lglZrt ;Ldf;Dd zL3| k|lqmof ckgfO{ shf{ k|s[of z'? ul/Psf] % sfo{lbgleq shf{ k|bfg

ug'{kg]{ Joj:yf ul/Psf] 5 . shf{sf] b|'t k|lqmof ;DjGwL Joj:yf sf]le8—!( ;+qmd0f

g]kfn /fi6« a}+s

10

/f]syfd tyf pkrf/ ug{ k|of]u x'g] cfjZos j:t'x?sf] Joj:yfkgsf nflu dfu x'g] shf{df

;d]t nfu' ul/Psf] 5 .

60. sf]le8—!( ;+qmldtsf] pkrf/df ;xof]u k'Ug] u/L ;]jf lj:tf/ jf :t/f]Gglt ug{ rfxg] lghL

:jf:Yo ;+:yfnfO{ k|jfx ePsf] shf{nfO{ k|fyldstfk|fKt If]q shf{df u0fgf ug{ ;lsg]

Joj:yf ul/Psf] 5 .

61. a}b]lzs /f]huf/Ldf hfg cg'dlt lnPsf t/ ;+qmd0fsf sf/0f /f]huf/ uGtJodf hfg gkfPsf

JolQmx?n] ;+qmd0f hf]lvd ;lsPkZrft\ d'n'sleq} pBf]u Joj;fo ;+rfng ug{ shf{ dfu

u/]df lga]bg lbPsf] & sfo{lbgleq ;x'lnotk"0f{ shf{ pknAw u/fpg'kg]{ Joj:yf ul/Psf]

5 .

62. a}+s tyf ljQLo ;+:yfsf] shf{ nufgL Ifdtf a9fO{ cfly{s ultljlw rnfodfg agfpg Countercyclical Buffer ;DaGwL Joj:yfnfO{ :yug ul/Psf] 5 .

63. aGbfaGbLsf] cjlwdf e'QmfgL sf/f]af/ ;xhLs/0f ug{ / ljB'tLo e'QmfgL] sf/f]af/nfO{

k|f]T;flxt ug{ RTGS dfkm{t\ ul/g] sf/f]af/df @)&^ r}t !) b]lv csf]{ ;"rgf hf/L

geP;Ddsf nflu z'Ns gnfUg] Joj:yf ul/Psf] 5 . To;}u/L, df]jfOn a}+lsË, OG6/g]6

a}+lsË, jfn]6 h:tf dfWodaf6 ul/g] e'QmfgL sf/f]af/sf] ;Ldf j[l4 ul/Psf] 5 .

cGt/f{li6«o cfly{s kl/b[Zo

64. ;g\ @)!( df @=( k|ltztn] lj:tf/ ePsf] ljZj cy{tGq sf]le8–!( dxfdf/L / o;af6

dfgjLo IftL sd ug{ ljZje/ ckgfO{Psf ns8fpg nufotsf pkfox?sf sf/0f ;g\

@)@) df # k|ltztn] ;+s'rg x'g]] cGt/f{li6«o d'b|f sf]ifsf] k|If]k0f 5 . ljsl;t d'n'sx?sf]

cy{tGq ;g\ @)!( df !=& k|ltztn] lj:tf/ ePsf]df ;g\ @)@) df ^=! k|ltztn] ;+s'rg

x'g]] cGt/f{li6«o d'b|f sf]ifsf] k|If]k0f 5 .

65. pbLodfg tyf ljsf;zLn cy{tGq ;g\ @)!( df #=& k|ltztn] j[l4 ePsf]df ;g\ @)@) df

! k|ltztn] 36\g] cGt/f{li6«o d'b|f sf]ifsf] k|If]k0f 5 . rLgsf] cy{tGq ;g\ @)!( df ^=!

k|ltztn] j[l4 ePsf]df ;g\ @)@) df !=@ k|ltzt / ef/tLo cy{tGq ;g\ @)!( df $=@

k|ltztn] j[l4 ePsf]df ;g\ @)@) df !=( k|ltztn] lj:tf/ x'g]] k|If]k0f /x]sf] 5 .

66. ljsl;t cy{tGqx?df pkef]Qmf d'b|f:kmLlt ;g\ @)!( df !=$ k|ltzt /x]sf]df ;g\ @)@)

df )=% k|ltzt x'g] cGt/f{li6«o d'b|f sf]ifsf] k|If]k0f 5 . pbLodfg tyf ljsf;zLn

cy{tGqx?df pkef]Qmf d'b|f:kmLlt ;g\ @)!( sf] % k|ltztsf] t'ngfdf ;g\ @)@) df $=^

k|ltzt /xg] k|If]k0f 5 .

cfly{s tyf df}lb|s kl/b[Zo

67. sf]le8—!( dxfdf/Laf6 dfgjLo Iflt x'g glbg ckgfOPsf] aGbfaGbLsf sf/0f cGo d'n'sx?

em}+ g]kfnsf] klg pTkfbg, ljt/0f tyf cfk"lt{ k|0ffnL k|efljt ePsf] 5 . o;sf] k|efj

cy{tGqsf ljleGg If]qx?df b]lvg yfn]sf] 5 .

cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff

11

68. rfn' cfly{s jif{sf] gf} dlxgfdf cf};t pkef]Qmf d'b|fl:kmLlt ^=%# k|ltzt /x]sf]df jflif{s

cf};t d'b|f:kmLlt ^=%) k|ltztsf] xf/fxf/Ldf /xg] cg'dfg 5 .

69. rfn' cfly{s jif{sf] gf} dlxgf;Dd zf]wgfGt/ l:ylt ?=#^ ca{ ^! s/f]8n] artdf /x]sf] 5 .

ljk|]if0f cfk|jfxdf sdL cfpg] qmd z'? ePtfklg cfoft ;d]t 36\bf] qmddf /x]sf sf/0f

cfly{s jif{sf] cGTodf klg zf]wgfGt/ artdf g} /xg] cg'dfg 5 .

70. @)&^ r}tdf jflif{s ljGb'ut cfwf/df lj:t't d'b|fk|bfosf] j[l4b/ !%=# k|ltzt /

lghLIf]qtkm{ nufgLdf /x]sf] shf{sf] j[l4b/ !%=$ k|ltzt /x]sf] 5 . ljBdfg cfly{s

kl/b[ionfO{ b[li6ut ubf{ rfn' cfly{s jif{df lj:t[t d'b|fk|bfosf] j[l4b/ !# k|ltzt / lghL

If]qtkm{sf] shf{ j[l4b/ !% k|ltzt /xg] cg'dfg 5 .

71. sf]le8—!( ;+qmd0f kl5 cy{tGqdf k/]sf] k|efj Go"gLs/0f ug{ o; a}+sn] rfn]sf gLltut

sbdx?sf sf/0f t/ntf l:ylt ;xh /xg] / shf{sf] Aofhb/df sdL cfpg] b]lvG5 .

df}lb|s gLltsf] sfo{lbzf

72. sf]le8—!( dxfdf/Laf6 k|efljt cy{tGqnfO{ k'g?Tyfg ug{ ;xof]u k'Ug] u/L t/ntf

Joj:yfkg ub}{ Aofhb/nfO{ pko'Qm :t/df /fVg] / k|fyldstfk|fKt If]qtkm{ shf{ k|jfx

k|f]T;flxt ug]{tkm{ df}lb|s gLlt s]lGb|t /xg] 5 .

73. cfGtl/s tyf jfXo If]q :yfloTj sfod /fVg k|fyldstfk|fKt If]q, n3', ;fgf tyf demf}nf

Joj;fo, /f]huf/L l;h{gf Pjd\ pBdzLntf ljsf;tkm{ ljQLo ;fwg k|f]T;flxt u/L cfGtl/s

pTkfbg k|j4{gdf hf]8 lbOg] 5 .

74. e'QmfgL k|0ffnLsf] ljsf;dfkm{t ljQLo dWo:ytfsf] ;do tyf nfut s6f}tL ug]{,

;j{;fwf/0fsf] ljQLo kx'Fr clej[l4 ug]{ / ljQLo If]qsf] ;jnLs/0f ug]{ sfo{nfO{ hf/L /flvg]

5 .

75. sf]le8—!( dxfdf/Ln] kfg{ ;Sg] yk k|efjnfO{ ;d]t Wofgdf /fvL cy{tGqnfO{ k'g?Tyfg ug{

g]kfn ;/sf/sf] gLlt tyf sfo{qmd / ah]6;Fu ;fd~h:otf sfod x'g] u/L jflif{s df}lb|s

gLlt th'{df ul/g] 5 .

df}lb|s tyf ljQLo pkfox?

76. @)&& c;f/ d;fGt;Dd lgIf]k tyf shf{sf] efl/t cf};t Aofhb/ cGt/ $=$ k|ltztleq

NofO{;Sg'kg]{ Joj:yfnfO{ yk k|efjsf/L agfOg] 5 .

77. a}+s tyf ljQLo ;+:yfx?n] ;+:yfut lgIf]kstf{sf nflu tf]Sg] Aofhb/nfO{ yk Jojl:yt

agfOg] 5 .

78. a}+s tyf ljQLo ;+:yfx?n] sfod ug'{kg]{ clgjfo{ gub cg'kft, a}+sb/ / j}wflgs t/ntf

cg'kftnfO{ oyfjt sfod ul/Psf] 5 .

g]kfn /fi6« a}+s

12

79. s[lif Joj;fo, n3', ;fgf tyf demf}nf pBf]u nufotsf If]qdf k|fb]lzs ;Gt'ng ;d]t sfod

x'g]u/L ;xh ?kdf k'g/shf{ ;'ljwf pknJw x'g] Joj:yf ldnfOg] 5 .

cGTodf,

80. cfly{s jif{ @)&^÷&& sf] df}lb|s gLltsf] t];|f] q}dfl;s ;dLIff k|ltj]bg tof/ kfg{ cfjZos

tYofÍ tyf ;"rgf pknAw u/fO{ ;xof]u k'¥ofpg] ;a} ;/f]sf/jfnfx?df g]kfn /fi6« a}+s

wGoafb 1fkg ub{5 . ;fy}, df}lb|s gLltsf] sfof{Gjogdf ;bfEf}+m ;a}sf] ;xof]u /xg] o;

a}+ssf] ljZjf; /x]sf] 5 .

@)&& h]7 !# ut] .