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Shri Lal Mani Joshi

Chairman

Shri Chadra Prasad Dhakal Shri Ashok Kumar Agrawal

(Director) (Director)

Shri Numnath Poudel Shri Surya Prasad Acharya

(Director) (Director)

Shri Rameshwor Prasad Khanal (Advisor)

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Dr. Binod Atreya

Chief Executive Officer (CEO)

CA. Krishna Ranabhat Sahil Sharma Rakshya Malla

(Manager) (Comapany Secretary) (Senior Assistant)

Management Team

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k|yd jflif{s ;fwf/0f ;efsf] ;'rgf

o; sDkgLsf] ldlt @)&#÷^÷!^ ut] a;]sf] ;~rfns ;ldltsf] a}7ssf] lg0f{ofg';f/ sDkgLsf] klxnf] jflif{s

;fwf/0f ;ef lgDg lnlvt ldlt, :yfg / ;dodf lgDglnlvt ljifox? pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf

sDkgL P]g, @)^# sf] bkmf ^& adf]lhd ;Dk'0f{ z]o/wgL dxfg'efjx?sf] nflu of] ;'rgf hf/L ul/Psf] 5 . ;fwf/0f

;ef ;DaGwL ;Dk'0f{ ljj/0fx? Z]fo/wgL dxfg'efjx?nfO{ ;dodf g} k7fO{g]5 . s'g} sf/0fn] ljj/0fx? k|fKt gePdf

jf x'g g;s]df o;} ;'rgfnfO{ cfwf/dfgL ;efdf pkl:yt x'gsf nflu xflb{s cg'/f]w ub{5f} .

!= ;fwf/0f ;ef a:g] ldlt, :yfg / ;do :

ldlt : @)&#÷*÷!) -tb\g';f/ @% gf]e]Da/ @)!^_, z'qmaf/

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@= 5nkmnsf ljifox? :

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!= klxnf] jflif{s ;fwf/0f ;efdf ;~rfns ;ldltaf6 k|:t't k|ltj]bg kfl/t ug]{ ;DaGwdf .

@= n]vfkl/Ifssf] k|ltj]bg ;lxtsf] cf=j= @)&@÷&# sf] jf;nft, gfkmf gf]S;fg lx;fa / ;f]lx cjlwsf] gub

k|jfxsf] ljj/0f 5nkmn ul/ kfl/t ug]{ ;DaGwdf .

#= sDkgL P]g, @)^# sf] bkmf !!! cg';f/ cf=j= @)&#÷&$ sf] nflu n]vfkl/Ifssf] lgolQm tyf lghsf] kfl/>lds

tf]Sg] ;DaGwdf .

$= ;F:yfksx?sf] tkm{af6 ;+rfnsx?sf] dgf]gog ug]{ ;DaGwdf .

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!= ;+:yfsf] k|aGwkq tyf lgodfjnLdf cfjZos ;+zf]wg tyf kl/dfh{g ug]{ ;DaGwdf .

@= ;+:yfsf] k|aGwkq tyf lgodfjnLsf] k|:tfljt ;+zf]wgdf lgodgsf/L lgsfoaf6 km]/abn ug{ lgb]{zg ePdf

cfjZostf cg';f/ ;f]df yk36, kl/dfh{g, ;+;f]wg tyf ;Rrfpgsf] nflu ;+rfns ;ldlt jf ;ldltn] tf]s]sf]

JolQmnfO{ clVtof/L lbg] ;DaGwdf .

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

!= jflif{s ;fwf/0f;efdf efu lng OR5's z]o/wgL dxfg'efjx¿n] z]o/k|df0fkq / cfˆgf] kl/ro v'Ng] k|df0f

jf ;f]sf] k|ltlnlk clgjfo{ ¿kdf ;fydf lnO{ cfpg'x'g cg'/f]w 5 .

@= z]o/wgL dxfg'efjx¿sf] pkl:ylt k'l:tsfdf b:tvt ug{ z]o/wgL pkl:ylt k'l:tsf laxfg !) ah]b]lv

v'nf ul/g]5 .

#= ;fwf/0f;efdf efu lngsf nflu k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx¿n] k|rlnt sDkgL sfg"gn]

tf]s]sf] 9f‘rfdf k|ltlglwkq -k|f]S;L_ kmf/d e/L ;ef z'¿ x'g'eGbf sDtLdf $* 306f cufl8 cyf{t\

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u/fO{;Sg' kg]{5 . O{dlh{Ë g]kfnsf] z]o/wgL afx]s c¿nfO{ k|f]S;L lbg / PseGbf a9L JolQmnfO{ cfˆgf] z]o/

ljefhg u/L tyf cGo s'g} lsl;daf6 5'§ØfO{ k|f]S;L lbg kfOg] 5}g, o;/L lbOPsf] k|f]S;L ab/ x'g]5 .

$= Ps hgf z]o/wgLn] PseGbf a9LnfO{ k|ltlglw -k|f]S;L_ d's// u/]df k|ltlglw -k|f]S;L_ :jtM ab/ x'g]5 .

t/, k|ltlglw-k|f]S;L_ lgo'Qm ul/;s]kl5 ;Da¢ z]o/wgLn] k|ltlglw k]m/abn ug{ rfx]df o; cl3 lbPsf]

k|ltlglwkq -k|f]S;L_ ab/ u/L of] k|ltlglwkq -k|f]S;L_ nfO{ dfGotf lbOof];\ eGg] 5'§} kq ;lxt k|f]S;L kmf/fd

O{dlhË g]kfnsf] d'Vo sfof{nodf ;ef z'¿ x'g'eGbf sDtLdf $* 306f cufj} btf{ u/fPsf] cj:yfdf cl3Nnf]

k|ltlglwnfO{ :jtM ab/ ePsf] dfgL kl5Nnf] k|ltlglw -k|f]S;L_ nfO{ dfGotf lbOg]5 . k|ltlglw lgo'Qm ul/;s]sf]

z]o/wgL cfk}‘m ;efdf pkl:yt eO{ xflh/ k'l:tsfdf b:tvt u/]df lghn] lbPsf] k|ltlglw -k|f]S;L_ :jtM ab/

x'g]5 .

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Pshgfn] dfq jf nut lstfadf klxnf] gfd pNn]v ePsf] JolQmn] ;efdf efu lng ;Sg]5g\ .

^= gfafns jf dfgl;s ;Gt'ng 7Ls g/x]sf z]o/wgLx¿sf] tk{maf6 O{dlh{Ë g]kfnsf] z]o/ nut btf{

lstfadf ;+/Ifssf] ¿kdf gfd btf{ eO/x]sf dxfg'efjx¿n] ;efdf efu lng, dtbfg ug{ jf k|ltlglw tf]Sg

;Sg'x'g]5 .

&= ;fwf/0f;ef ;DaGwdf yk hfgsf/L cfjZos k/]df sfo{fno ;doleq O{dlh{Ë g]kfnsf] d'Vo sfof{no 6]«8

6fj/–!!, sf7df08fF}df ;Dks{ /fVg ;d]t cg'/f]w ul/G5 .

*= k'gZrM sDkgLsf] cfly{s ljj/0f z]o/wgL dxfg'efjx¿n] pknAw u/fPsf] 7]ufgfdf k7fOPsf] 5 . ;fy}

sDkgL P]g @)^# cg';f/sf] jflif{s cfly{s ljj/0f, ;+rfns ;ldltsf] k|ltj]bg / n]vfk/LIfssf] k|ltj]bg

z]o/wgL dxfg'efjx¿n] sDkgLsf d'Vo sfof{no 6]«8 6fj/–!!, sf7df8f}Fdf cfO{ lg/LIf0f ug{ / k|fKt ug{ ;Sg]

Aoxf]/f ;d]t hfgsf/Lsf nfuL ;"lrt ul/G5 . cfly{s ljj/0f nufot jflif{s ;fwf/0f;efdf k]z x'g] ;Dk"0f{

k|:tfjx¿ sDkgLsf]] Website: www.emergingnep.com df klg x]g{ ;Sg'x'g]5 .

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d÷xfdL ===============================================================n] To; sDkgLsf] z]o/wgLsf] x}l;otn] @)&#÷*÷!)

ut] x'g] klxnf] jflif{s ;fwf/0f ;efdf :jo+d pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n]

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

z]o/wgL >L =========================================== z]o/ k|df0f k|q g= ========================= nfO{ d]/f]÷xfd|f] k|ltlglw

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gfdM ==================================================================

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z]o/wgL kl/ro g+= ============================================

z]o/ k|df0f k|q g+= ============================================

lsQf g+= ========================= b]lv============================= ;Dd

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of] lgj]bg ;fwf/0f ;ef x'g' eGbf sDtLdf $* 306f cufj} sDkgLsf] /lhi68{ sfof{nodf k]z

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7

k|a]z—kq

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

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sDkgL ;lrj

klxnf] jflif{s ;fwf/0f;efdf pkl:yt x'g hf/L ul/Psf] k|a]z—kq

b|i6Jo M

!= z]o/wgL cfkm}n] dflysf vfnL 7fpFx? eg'{xf]nf .

@= ;efsIfdf k|j]z ug{ of] k|j]z–kq k|:t't ug{ clgjfo{ 5 .

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k|yd jflif{s ;fwf/0f ;efdf cWoIfåf/f k|:t't

;~rfns ;ldltsf] k|ltj]bg

z]o/wgL dxfg'efjx?,

o; ;+:yfsf] klxnf] jflif{s ;fwf/0f ;efdf oxfF pkl:yt z]o/wgL tyf cfdlGqt dxfg'efjx?nfO{ o;

Odlh{O\u g]kfnsf] tkm{af6 :jfut ub{5' .

ljz]iful/ b]zsf] cfly{s ljsf;sf] d'Vo cfwf/ k"jf{wf/ ljsf;sf nflu nufgL ug]{, g]kfn ;/sf/ ;Fu

;DaGwLt ljleGg lgsfoxnfO{ k/fdz{ ;]jf pknAw u/fpg], /fi6«nfO{ Financial, Educational, Medical,

Tourism Hub sf] ?kdf ljsf; ug{ / k'jf{wf/ ljsf;sf ?kdf hn;|f]t, ko{6g tyf a}lsË If]qdf nufgL ug]{

nufot ljleGg cfof]hgfx?sf] ;DefJotf cWoog ug{] pb]Zon] ldlt @)&@ ;fpg #@ ut] sDkgL /lhi6«f/sf]

sfo{nodf of] ;+:yf btf{ ePsf] xf] . o; ;+:yfdf g]kfn ;/sf/ nufot b]zsf k|d'v Jofkfl/s 3/fgf,

k"j{k|zf;sx? / a}s;{x?sf] nufgL /x]sf] 5 . o;sf] ;fy} g]kfn ;/sf/ ;uF ;DfGjo ul/ ?U0f pBf]udf nufgL

u/]/ tyf Joj:yfkg s/f/df lnP/ ;~rfng ug]{ p2]Zo klg o; sDkgLsf] /x]sf]] 5 .

;8s, oftffoft, phf{, lzIff, :jf:y nufotsf If]qdf sdhf]/ k'jf{wf/sf sf/0fn] ck]lIft ljsf;

xfl;n x'g ;s]sf] 5}g . ljb]zL nufgLstf{n] klg cg's'n jftfj/0f g/x]sf] eGb} g]kfndf nufgL ug]{ pT;fx

gb]vfpFbf ljsf;sf] ult ;':tfPsf] 5 . To;}n] b]zdf k"jfwf/ ljsf;sf] If]qdf of]ubfg ug{ of] ;F:yfsf] dxTj

cToflws /x]sf] 5 .

klAns / k|fOe]6 ;fem]bf/Lsf] ?kdf :yfkgf ePsf] of] sDkgL g]kfnsf] nflu Pp6f gd'gfsf] ?kdf gofF ;f]rsf

;fy cfPsf] 5 . g]kfn ;/sf/sf cfjZostfx?nfO{ lglh If]qaf6 k|efjsf/L ?kdf sfo{Gjog ul/ /fi6«

lgdf{0fdf of]ubfg k'¥ofpg o; sDkgLsf] dxTjk'0f{ e'ldsf /xg] 5 . g]kfn ;/sf/sf] /fhlglts jftfj/0fn]

ubf{ klg o; sDkgLsf] sfo{ ;+rfngdf c;/ kg]{;Sg] x'g ;S5 . t/ klg o; sDkgLn] cfˆg} cu|;/tfdf

cfˆgf sfdx? cufl8 a9fpg' kg]{ / o; ljifodf ;+rfns ;ldlt / z]o/wgL dxfg'efjx?sf] cxd\ e'ldsf

/xg] s'/f lgj]bg ug{ rfxfG5' .

oL dflysf] tYonfO{ cfTd;ft ub]{ b]z ljsf;sf] nflu o; ;+:yfn] 7'nf] ;xof]u ug]{ s'/fdf b'O{ dt

5}g . ;fwf/0f ;efsf] o; cj;/df oxfFx? ;dIf ljutsf] cfly{s jif{ @)&@÷&# df ;+:yfn] xfl;n u/]sf

pknlAwx? vf;} geP klg ;fdgf ug'{ k/]sf r'gf}tL / rfn' cfly{s jif{ @)&#÷&$ sf] nflu lnO{Psf] /0flglt

tyf sfo{qmdx? nufotsf ljljw ljifox?df cfhsf] o; uf}/jdo ;ef ;dIf :jLs[tLsf nflu k|:t't ug{]

cg'dlt rfxG5' .

s_ ljut cf=j= @)&@÷&# sf] sf/f]jf/sf] cjnf]sg

cfly{s jif{ @)&@÷&# sf] clwsfz+ ;do g]kfn ;/sf/af6 ;+:yf :yfkgfsf] :jLs[lt lng, cfjZos

k"jf{wf/ tof/ ug{, ;+:yf ;+~rfng ug{ of]Uo sfo{sf/L k|d'vsf] lgo'lQm ug{ tyf sfo{no ;~rfng ug{

cfjZos kg]{ bIf sd{rf/Lsf] 5gf]6 ug{df g} Joltt eof] . @)&@ ;fn >fj0f #@ ut] b]lv ;+:yf ;~rfngdf

cfPsf] ePtf klg b]zn] ef]u]sf] k|fs[lts ljklQ, ef/t–g]kfnsf] ;Ldfdf pTkGg cfk'lt{ sl7gfO{ / sDkgLsf]

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9

k|d'v sfo{sf/L clws[t lgo'lQm k|lqmofdf ePsf] l9nfO{n] ubf{ ;+:yf ;'rf? x'g ;s]g . xfn} dfq k|d'v

sfo{sf/L clws[tsf] ?kdf g]kfn /fi6« a}Fsdf #) jif{ ;]jf cg'ej ul/ sfo{sf/L lgb]{zs kbaf6 ;]jf lgj[t

x'g'ePsf 8f= lagf]b cfq]onfO{ lgo'Qm ul/Psf] 5 . sDkgLn] cfˆgf] sfo{;Dkfbg ljzfn u|'ksf] Pp6f a}7s

sIffaf6 ub]{ cfO{/x]sf]df sflQ{s ! ut] b]lv 6]«8 6fj/ kfrf} tNnfdf *%) ju{ ld If]qkmn ePsf] cfˆg} clkm;

;+rfngdf cfPsf] 5 . sDkgLn] cfˆgf] sfd k|efjsf/L ?kdf cl3 a9fpg sfo{no k|of]hgsf] nflu ;jf/L

;fwfg vl/b u/L;s]sf] 5 . sfof{no k|of]hgsf] nflu kmlg{r/ ;lxt clkm; :yfkgf e};s]sf] x'bf o;

sDkgLsf] sfo{ cfufdL lbgdf tLj| ultdf cufl8 a9\g]] s'/f z]o/wgL dxfg'efjx? ;dIf hfgsf/L u/fpg

rfxfG5' .

v_ /fli6«o tyf cGt/fli6«o kl/l:yltaf6 sDkgLdf k/]sf] c;/

a}zfv !@ tyf a}zfv @( ut] b]zdf uPsf] dxfe"sDk tyf cfk'lt{ Joj:yfkgdf pTkGg ePsf] ;d:ofsf

sf/0fn] ubf{ klg ;+:yf ;~rfngdf cfpg l9nfO ePsf] oxfF ;fd" cjut u/fpg rfxG5' . To:t} b]zsf] cl:y/

/fhlglts sf/0fn] ubf{ klg sDkgLn] ck]lIft ?kdf sfo{ ;+rfng ug{ g;s]sf] Joxf]/f hfgsf/L u/fpg

rfxfG5' .

u_ ;+:yfks z]o/wgLx?sf] a}7s

ldlt @)&@÷)(÷@* ut]sf lbg l;g]6 xn, ofs P08 otL xf]6ndf ;+:yfks z]o/wgLx?sf] a}7s a:of] .

pSt Af}7sdf d'Voul/ o; sDkgLsf] sfo{ ;+rfng tyf eljiodf ;+rfng ug{ ;lsg] cfof]hgf af/] 5nkmn

ul/of] . 5nkmndf p7]sf ljifo a:t'nfO{ tTsfnLg cj:yfdf cuf8L a9fpg g;lsPsf] eP klg ca lt

;'emfax?nfO{ ;d]t cWoog tyf 5nkmn u/L pko'SQ kl/of]hgfdf nufgL ug]{ u/L lg0f{odf k'Ug cfjZos

ePsf] 5 . oxfFx?sf] ;'emfj tyf ;xof]uaf6 o; jif{ leq s'g} g s'g} k|f]h]S6 ;+rfng x'g] s'/fdf ljZj:t

u/fpg rfxfG5' .

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!_ g]zgn k]6«f]lnoddf nufgL

b]zdf kg{ uPsf] OGwg cfk"lt{sf] sl7gfOnfO{ Wofgdf /fvL b]zsf hgtfx?nfO{ lglh If]qsf] dfWodaf6 OGwg

cfk'lt{df ;xhtf Nofpg :yfkgf ePsf] g]zgn k|]6«f]lnod k|f=ln= df Ps s/f]8 krf; nfv ?k}ofFsf] nufgL

ug]{ ;Demf}tf u/] cg'?k /sd sDkgLnfO{ pknAw u/fO{Psf]] 5 . t/ g]kfn ;/sf/sf] gLltut cGof}nsf sf/0f

of] ;+:yf xfn;Dd klg :yfkgf x'g g;s]sf] / o; ;DaGwL d'2f cbfntdf ljrf/fwLg cj:yfdf /x]sf] Joxf]/f

cjut u/fpg rfxfG5' .

@_ Credit Analysis & Research Limited, India ;Fu ;Demf}tf

olx ebf} !$, @)&# df ef/tsf] Credit Analysis & Research Limited tyf Vishal Group Limited

sf] ;+o'Qm nufgLdf g]kfndf gofF CARE Rating (Nepal) Ltd. gfds ;+:yf :yfkgf ug{ MOU df

x:tfIo/ ul/ SEBON df :jLs[ltsf] nflu lgj]bg k]z ul/Psf] 5 . k|:tfljt Credit Rating Agency df

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10

o; ;F:yfsf] !)Ü nufgL /xg] u/L :yfkgfsf] sfo{ cuf8L a9]sf] 5 , pQm ;+:yfsf] z]o/ :jfldTj b]xfo

adf]lhd /x]sf] 5M

Credit Analysis & Research Limited 51%

Vishal Group Limited 19%

Emerging Nepal Limited 10%

Bank(s)/ insurance company(ies) / financial institution(s) / body corporate (s) in Nepal

20%

ª_ cfufdL jif{x?sf nflu to ul/Psf sfo{ of]hgfx? M—

!=cNksfnLg of]hgf

Feasibility Study u/L xfO{8«f] kfj/ kl/of]hgfdf nufgL ug]{ M sDkgLn] cfufdL jif{ s'g} xfO{8«f]

kfj/ kl/of]hgfdf nufgL ug]{ nIo /fv]sf] 5 To;sf nflu xfO{8«f] kfj/ If]qsf ljleGg nufgL

stf{ / ljz]if1x? ;Fu 5nkmn e}/x]sf] 5 .

Financial Institutions sf] ;fwf/0f z]o/df nufgL ug]{ M xfn sltko ljQLo ;F:yfx?n] g]kfn

/fi6« aF}ssf] lgb]{zg cg';f/ k'FhL a[l2 ug]{' kg]{ cj:yf /x]sf] x'bf xsk|b z]o/ hf/L ug]{ of]hgfdf

/x]sf ;+:yfsf ;+:yfksx?n] Right Renounce ug]{ ;DaGwdf 5nkmn e}/x]sf] / Odlh{Ë g]kfnn]

;s] ;Dd s]lx /sd nufgL ug]{ of]hgf /x]sf] 5 .

Startup Fund sf] z'?jft ug]{ M Startup Fund sf p2]Zox? o; k|sf/ 5g\ M

s_ Innvoative Idea nfO{ jf:tljstfdf kl/0ft ug'{

v_ Innovative Driven ;F:yfx?sf] k|ult Pjd\ ljsf;sf] nflu ljQLo ;xfotf pknAw u/fpg]

u_ gofF Joj;fonfO{ k|f]T;fxg ug{'sf ;fy} cfjZos k'FhL pknAw u/fpg]

ª_ gofF k':tfx?nfO{ k|f]T;fxg ug]{

r_ /f]huf/Lsf] ;[hgf ug]{

5_ 3/]n' ;|f]t / ;fwgsf] ;b'kof]u ug]{

o; sDkgLn] xfn ;Dd u/]sf / o; cfly{s jif{df ;dfKt ug]{ nIo lnPsf jflif{s sfo{qmdx? o;}sf ;fy

;FnUg ul/Psf] 5 .

@= lb3{sfnLg of]hgf

Infrastructure Development Bank sf] :yfkgf ug]{ M b]zsf] cfly{s ljsf;sf] d'Vo cfwf/

g} k"jf{wf/ ljsf; xf] . klAns—k|fOe]6 kf6{g/zLk cGtu{t k"jf{wf/ ljsf; a}+ssf] :yfkgf ug]{

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11

pb]Zon] o; sDkgLn] g]kfn /fi6« a}Fs / cy{ dGqfno;Fu ljleGg r/0fdf 5nkmn u/]sf] 5 .

g]kfn ;/sf/sf] ah]6 aQmJodf / g]kfn /fi6« a}+ssf] df}lb«s lgltdf pNn]lvt of] of]hgfnfO{ cl3

a9fpg' jf To;nfO{ k"0f{tf lbg' o; Odlh{O\u g]kfnsf] k|d'v sfo{ x'g]5 . g]kfn /fi6« a}+ssf] pRr

Joj:yfkg ;Fu lg/Gt/ 5nkmn e}/x]sf] 5 . aflkmof P]g 5nkmnsf] qmddf /x]sf] / o;sf]

:jLs[lt kZrft k'jf{wf/ ljsf; a}Fssf] :yfkgf sfo{n] tLj|tf kfpg] s'/f hfgsf/L u/fpb5' .

ljb]zL nufgLstf{n] klg cg's'n jftfj/0f g/x]sf] eGb} g]kfndf nufgL ug]{ pT;fx gb]vfpFbf

ljsf;sf] ult ;':tfPsf] 5 . To;}n] b]zdf k"jf{wf/ ljsf;sf If]qdf of]ubfg ug{ of] ;+:yfsf]

dxTj cToflws /x]sf] 5 .

National Research & Training College :yfkgf ug{sf] nflu Feasibility Study /

Project Report tof/ ug]{ M g]kfndf /f]huf/sf] cj;/ x'bf x'b} klg To; If]qdf sfd ug]{ bIf

hgzlQmsf] cefj 5 . g]kfnL o'jfx? ljb]z knfog x'g] clg /fd|f] l;kd'ns sf]if{, tflnd lbg]

7fp÷sn]h÷;F3 ;F:yfsf] cefj x'bf g]kfndf bIf hgzlQm pTkfbg x'g ;ls/fv]sf] 5}g . o;n]

ubf{ /f]huf/ bftf / /f]huf/sf] cj;/ vf]Hg] b'j} kIfn] w]/} ;d:of ef]Ug' k/]sf] 5 . sltko

cj:yfdf ljb]zaf6 klg bIf hgzlQm Nofpg' kg]{ x'G5 . oL ;a} s'/f b]z ljsf;sf nflu 3fts

x'g\ . z'?df tflnd / cg';GwfgfTds sfo{x? ug]{, To; kZrft s'g} k|ltli7t ljZjljBfnosf]

kf7\oqmd cg';f/ academic course ;+rfng ug]{ / eljiodf Banking University sf]

?kfGt/0f ug]{ of]hgf cg'?k of] kl/of]hgf z'? ug]{ nIo lnPsf] s'/f hfgsf/L u/fpb5' . To;}n]

oL ;d:ofx?nfO{ ;dfwfg ug{sf] nfuL / Financial, Insurance, Capital Market and other

Sector df Research ug{sf] nflu National Research & Training College :yfkgf ug{] nIo

/fv]sf 5f} . National Research & Training College :yfkgf ug{sf] nflu u[x sfo{ z'?

e};s]sf] klg hfgsf/L u/fpg rfxG5' .

Agro Bank :yfkgf ug{sf] nflu Feasibility Study / Project Report tof/ ug]{ M g]kfnsf]

cy{tGq s[lifdf lge{/ / b]zsf] clwsf+z hgtf s[lifdf cfl>t /x]sf] ;Gbe{df s[lif If]qsf] ljsf;

b]zsf] nflu ckl/xfo{ 5 . cGo sltko d'n'sdf s[lif If]qsf] ljsf;sf nflu s[lif a}Fssf] :yfkgf

ePsf] b]lvG5 . g]kfndf ePsf] s[lif ljsf; a}Fs Jofkf/Ls a}Fssf] ?kdf sfd ug{ yfn]sf] / pQm

a}Fsn] s[lif If]qnfO{ k|f]T;fxg ug{ g;s]sf] s'/fnfO{ dWogh/ ub}{ s[lif If]qnfO{ nlIft ul/ s[lif

a}Fssf] klg eljio /fd|f] b]v]sf 5f} .

r_ sDkgLsf] cf}Bf]lus jf Joj;flos ;DaGw

klAns—k|fOe]6 ;fembf/Ldf :yfkgf ePsf] o; sDkgLdf b]zsf k|d'v Jofkfl/s 3/fgf, k"j{ k|zf;sx? /

a}+s;{x?sf] nufgL ePsf] x'bfF o; ;+:yfsf] g]kfn ;/sf/ nufot lgodgsf/L ;+:yfx?, sDkgL /lhi6«f/sf]

sfo{no nufot b]zsf ljleGg a}+lsË lgsfox?;+u ;'dw'/ ;DaGw sfod x'b} u}/x]sf] hfgsf/L u/fpb5' . o;

k|uf9 ;DaGwn] eljiodf ljleGg kl/of]hgfx? sfo{Gjog ug{ ;3fpg] s'/fdf d ljZj:t 5' . sDkgLn] g]kfn

;/sf/sf ljleGg d+qfnox? Hf:t} pßf]u d+qfno, cfk'lQ{ d+qfno, s[lif d+qfno, cy{ d+qfno, jg tyf e'

;+/If0f d+qfno, nufgL af]8{ / /fli6«o of]hgf cfof]u ;Fu 5nkmn u/L ;fj{hlgs ;F:yfgx?sf] Joj:yfkg

s/f/df lng] kxn ub]{ cfPsf] 5 . o;sf ;fy} sf7df8f}F dxfgu/kflnsf ;Fu klg ljleGg k|f]h]S6df nufgL

ug]{ ljifodf 5nkmn e}/x]sf] hfgsf/L u/fpg rfxfG5' .

KffrfF} tNnf, 6]«8 6fj/, yfkfynL, sf7df8f}

12

5_ ;~rfns ;ldltdf ePsf] x]/km]/

o; ;+:yfsf] ;~rfns ;ldltsf] ;b:osf] ?kdf /xg'ePsf >L ;"o{ k|;fb cfrfo{Ho" xfn} g]kfn ;/sf/sf]

;]jfaf6 lgj[Q x'g' ePsf] x'bfF >L cfrfo{Ho'nfO{ ldlt @)&# ;fn ebf} !@ ut] a;]sf] ;~rfns ;ldltsf] gjf}+

a}7sdf jxfFn] ug'ePsf]] of]ubfgsf] sb/ ub}{ ;—;Ddfg ljbfO{ ul/of] / gof ;~rfns sf] ?kdf cy{

dGqfnosf ;x ;lrj >L u0f]z k|;fb kf08]\on] ldlt @)&#÷^÷!@ af6 o; ;F:yfsf] ;Frfnssf] ?kdf sfo{

k|f/De ug{' eof] . pk/f]Qm kl/jt{g afx]s ;~rfns ;ldltdf s'g} kl/jt{g gePsf] Joxf ]/f hfgsf/L u/fpFb5'

.

h_ n]vf k/LIf0f k|ltj]bg

o; k|ltj]bgsf ;fy n]vfk/LIf0f k|ltj]bg / n]vf ljj/0fx? ;+nUg ul/Psf] 5 h;n] o; ;+:yfsf]

oYff{y l:yltsf] lrq0f u/]sf] 5 .

em_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/L / lghx?nfO{ k|bfg ul/Psf] kfl/>lds, eQf

tyf ;'ljwfsf] laa/0fM

s_ ;~rfnsx? M

gfd Kfb

>L nfnd0fL hf]zL cWoIf

>L czf]s s'df/ cu|jfn ;+rfns

>L ;'o{ k|;fb cfrfo{ ;+rfns

>L rG› k|;fb 9sfn ;+rfns

>L g'dgfy kf}8]n ;+rfns

>L /fd]Zj/ k|;fb vgfn ;Nnfxsf/

o; cfly{s jif{df ;~rfns ;ldltsf] j}7s & k6s a;]sf] / ;~rfnsx?nfO{ j}7s eQf hDdf ?=

!,(#,))).– e'QmfgL lbOPsf] / ;f] jfx]s ;~rfnsx?nfO{ c? s'g} ;'ljwfx? k|bfg gul/Psf] s'/f hfgsf/L

u/fpg rfxfG5' .

Vf_ Joj:yfkgdf sfo{/t sf]xL k|aGw ;~rfns, sfo{sf/L k|d'v gePsf] x'bf kfl/>lds, eQf tyf ;'ljwf

k|bfg ul/Psf] 5}g .

~f_ nfefz+ jf8Fkmf8

KffrfF} tNnf, 6]«8 6fj/, yfkfynL, sf7df8f}

13

;+:yf ev{/} dfq :yfkgf ePsf] x'bfF ut cfly{s jif{df s'g} sfo{ z'? gePsf] / kof{Kt d'gfkmf klg g/x]sf] x'bfF

o; cfly{s jif{df s'g} nfefz+ jf8Fkmf8 ug{ /sd g5'6\ofPsf] hfgsf/L u/fpg rfxG5' .

6_ sd{rf/L Joj:yfkg

o; ;+:yfdf xfn Ps hgf k|d'v sfo{sf/L clws[t, Ps hgf rf6{8 PsfpG6]G6 ;lxt $ hgf sd{rf/Lx?

sfo{/t /x]sf 5g\ . ;a} sd{rf/Lx? cf–cfˆgf] sfo{df bIftf, OdfGbf/Ltfsf ;fy sfo{ ub}{ cfO/x]sf 5g \ .

sfo{nosf] k|d'v sfo{sf/L clws[tsf nflu 8f= ljgf]b cfq]o Ho"nfO{ efb| ! ut] b]lv lgo'lQm u/LPsf] 5 .

sd{rf/Lsf] j[QL ljsf;sf] nflu o; ;+:yfn] ;do ;dodf 5nkmn ug]{, sfdsf] ;'kl/j]If0f ug]{ tyf cfjZos

;Nnfx, ;'emfj tyf lgb]{zg lbg] ul/Psf] 5 .

7_ cfGtl/s lgoGq0f k|0ffnLM

o; ;+:yfn] cfGtl/s lgoGq0f k|0ffnLnfO{ bl/nf] agfpg “sd{rf/L ;]jf zt{ / ;'lawf ;DaGwL lalgodfjnL”

/ “cfly{s k|zf;g lgodfjnL” agfP/ nfu" u/]sf] 5 . oL lgodfjnLx?n] sd{rf/L Joj:yfkg / cfly{s

k|zf;g ;DaGwL ljifodf lj:t[t ?kdf Joa:yf u/]sf] 5 . ;+:yfsf] cfly{s lgltn] ;+:yfsf] nflu ;fdfg v/Lb

k|lqmof, a+}s tyf gub sf/f]jf/ ;DaGwL k|lqmof cflb af/] pNn]v u/]sf]] 5 . o; ;+:yfsf ;a} sfo{x? log}

lglt lgodsf] cwLgdf /xL ;+rfng ul/Psf] 5 . cfly{s k|zf;gnfO{ kf/bzL{ agfpg cfly{s lgoGq0f k|0ffnL /

n]vf kl/If0fsf] Joj:yf ul/Psf] 5 eg] Nepal Accounting Standard (NAS) / sDkgL sfg'g cGt{ut /xL

sfo{ ;+rfng ul/Psf] 5 .

s[t1tf 1fkgM

o; sDkgLsf] :yfkgfsfn b]lv g} ljzfn u|'k ln= sf] sfof{nodf sfo{ :Ffrfng x'b} cfO{/x]sf] / o; calwdf

ljzfn u|'k af6 k|fKt ;F/If0f, ef}lts ;'ljwf, ;'rgf tyf ;Frf/, af]8{sf] nflu a}7s sIf cflb ;'ljwfx?

pknAw u/fO{ lbg' ePsf]df d ;~rfns ;ldltsf] tkm{af6 ljzfn u|'knfO{ wGojfb lbb} cfef/ k|s6 ug{

rfxfG5' . n]vfk/LIf0f sfo{ ;DkGg u/L sDkgLnfO{ /rgfTds ;'emfj k|bfg ug'{ x'g] afXo n]vfk/LIfs,

;Nnfxsf/ / ;+:yfksHo"x?nfO{ ;~rfns ;ldltsf] tkm{af6 xflb{s wGojfb lbg rfxG5' . ljlaw sl7gfO{ /

cl:y/ /fhg}lts kl/l:ylt sf jfjh'b klg g]kfnsf] ef}lts tyf cfly{s ljsf;sf] nflu o; sDkgLsf] :yfkgf

ul/ b[9 ;+sNksf ;fy cufl8 a9\g] ;+:yfksHo'x//mnfO{ ljz]if wGojfb lbg rfxG5' . ;fy} ljleGg

lgodgsf/Lp ;+:yfx?, g]kfn ;/sf/sf ljleGg lgsfox?, g]kfn /fi6« a}Fs, SEBON, cy{ dGqfno / sDkgL

/lhi6«f/sf] sfof{noaf6 k|fKt gLlt–lgb{]zg tyf ;Nnfx,;'emfj Pj+ of]ubfgsf nflu xflb{s cfef/ JoQm ub{}

ljbf x'g rfxG5' .

wGojfb .

nfnd0fL hf]zL

cWoIf,

;~rfns ;ldlt

KffrfF} tNnf, 6]«8 6fj/, yfkfynL, sf7df8f}

14

KffrfF} tNnf, 6]«8 6fj/, yfkfynL, sf7df8f}

15

KffrfF} tNnf, 6]«8 6fj/, yfkfynL, sf7df8f}

16

KffrfF} tNnf, 6]«8 6fj/, yfkfynL, sf7df8f}

17

KffrfF} tNnf, 6]«8 6fj/, yfkfynL, sf7df8f}

18

KffrfF} tNnf, 6]«8 6fj/, yfkfynL, sf7df8f}

19

KffrfF} tNnf, 6]«8 6fj/, yfkfynL, sf7df8f}

20

KffrfF} tNnf, 6]«8 6fj/, yfkfynL, sf7df8f}

21

KffrfF} tNnf, 6]«8 6fj/, yfkfynL, sf7df8f}

22

KffrfF} tNnf, 6]«8 6fj/, yfkfynL, sf7df8f}

23

KffrfF} tNnf, 6]«8 6fj/, yfkfynL, sf7df8f}

24

gf]6 tyf l6Kk0fL

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