s[lif ljsf; a}+s ln=

shf{ sfo{ljlw @)&#

klxnf] ;+;f]wg @)&%.)@.!#
bf];|f] ;+;f]wg @)&%.)&.)^
t];|f] ;+;f]wg )&%.)*.!^
rf}yf] ;+;f]wg )&%.)(.)%
kf“rf} ;+;f]wg )&%.)(.@(
5}7f}+ ;+;f]wg )&%.!!.)^
5}7f}+ ;+;f]wg )&%.!@.)#
;ftf}+ ;+;f]wg )&%.!@.@)
cf7f}+ ;+;f]wg )&^.)$.)^
gjf}+ ;+;f]wg )&^.)%.@(
bzf+} ;+;f]wg )&^.)*.@#
P3f/f}+ ;+;f]wg )&^.!).@*
afx|f}+ ;+;f]wg )&^.!!.!@
t]x|f}+ ;+;f]wg )&&.)@.!&
rf}wf}+ ;+;f]wg )&&.)*.!!
kGw|f}+ ;+;f]wg )&&.!).#)
kGw|f}+ ;+;f]wg )&&.!!.!*
;f]xf}+ ;+;f]wg )&&.!@.@#
;f]xf}+ ;+;f]wg )&&.!@.@%

s[lif ljsf; a}+s ln=

shf{ ljefu
d'Vo sfof{no, sf7df08f}
 ljifo ;"rL
k]h g+=
kl/R5]b !M k|f/lDes
!= ;+lIfKt gfd / k|f/De ================================================================================== !
@= kl/efiff=============================================================================================== !
#= shf{ nufgL ubf{ ckgfpg' kg]{ l;4fGt ================================================================@
$= shf{ rqmsf] ;Dk"0f{ k|lqmofdf Wofg lbg' kg]{ ===========================================================#

kl/R5]b @M shf{ tyf ;'ljwfsf k|sf/ ;DaGwL Joj:yf

%= sf]ifdf cfwfl/t shf{ =================================================================================$
^= u}/–sf]ifdf cfwfl/t ;'ljwf ===========================================================================%
&= shf{sf k|f]8S6df yk36 ug{ ;lsg] ===================================================================%

kl/R5]b #M shf{ k|zf;gsf cfwf/e't k|lqmof

*= shf{ cfj]bs =========================================================================================%
(= Psn u|fxs shf{ ;d"x =============================================================================== &
!)= shf{ cfj]bssf nflu x'g'kg]{ Go"gtd of]Uotf =========================================================*
!!= shf{ u|fxsn] :yfoL n]vf gDa/ (PAN) lng'kg]{ =======================================================*
!@= shf{÷;'ljwf k|bfg ug{ aGb]h ======================================================================== *
!#= shf{sf] nflu cfjZos kg]{ sfuhft ;DaGwL Joj:yf ================================================(
!$= shf{ ;DaGwL sfuhftsf] Joj:yfkg =================================================================(
!%= lwtf] ;'/If0f tyf sfg"gL sfuhftx? ==================================================================!)
!^= shf{ ljZn]if0f ;DaGwL Joj:yf ==================================================================== !!
!&= kl/of]hgfsf] ;an jf b'a{n / cj;/ jf r'gf}tLx?sf] ljZn]if0f ==================================== !^
!*= hf]lvd ljZn]if0f ==================================================================================== !*
!(= aLdf ;DaGwL Joj:yf =============================================================================== @)
@)= ;fv ;"rgf ;DaGwL Joj:yf ======================================================================== @!
@!= cGo a}+s tyf ljQLo ;+:yf;Fu No Objection Letter lng] ;DaGwdf ============================= @@
@@= cGo a}+s tyf ljQLo ;+:yf;Fu ug'{kg]{ kf/Lkf;' ;DaGwdf =========================================== @@
@#= JolQmut÷;+:yfut hdfgt lng'kg]{ ================================================================= @@
@$= sfof{nosf] sfo{ If]q================================================================================ @@
@%= shf{ :jLs[t ug{ ;Sg] clwsf/ ;Ldf =============================================================== @#
@^= shf{ :jLs[lt k|lqmof / cfwf/======================================================================= @#
@&= shf{ l;kmfl/z, ;ldIff / :jLs[lt ;DaGwL Joj:yf ================================================= @%
@*= shf{ :jLs[lt k|lqmofdf k|of]u x'g] cg';"rL ;DaGwL Joj:yf========================================= @*
@(= shf{ k|jfx ug{'cl3 k'/f ug{k' g]{ k|lqmofx? ============================================================ @(
#)= shf{ k|jfx=========================================================================================== #)
#!= shf{ k|jfx k|lqmof=================================================================================== #)
#@= shf{ k|jfxdf ;+nUg sd{rf/Lx?sf] lhDd]jf/L ======================================================== #@
##= shf{ x:tfGt/0f ug{ ;lsg] ========================================================================== #@
#$= shf{ x:tfGt/0f k|lqmof ============================================================================= ##
#%= shf{ x:tfGt/0f ;DaGwL clwsf/ =================================================================== ##
#^= lwtf]wgLsf] d[To" eO{ lwtf] gfd;f/L ug]{ ;DaGwdf =================================================== ##
#&= shf{ ;DjGwL ljljw Joj:yf ======================================================================= ##
#*= shf{ gjLs/0f ug{ ;lsg] ============================================================================ #%
#(= shf{sf] k'g/tflnsLs/0f÷k'g/;+/rgf ug{ ;lsg] =================================================== #&
$)= shf{ Joj:yfkg ;"rgf k|0ffnL ====================================================================== #(

kl/R5]b $M lwtf] ;'/If0f ;DaGwL Joj:yf

$!= lwtf] ;'/If0f ========================================================================================= #^
$@= lwtf]sf] lsl;d ====================================================================================== #^
$#= lwtf] lnbf Wofg lbg'kg]{ kIfx? ===================================================================== #^
$$= lwtf] d"Nof+sg======================================================================================= $%
$%= lwtf] d"Nof+sgsf] clen]v, ljlw tyf 9fFrfx?====================================================== $&
$^= lwtf] d"Nof+sgsf] bfloTj lng] ;DaGwdf ============================================================ $&
$&= sfof{nosf] sfo{If]qeGbf aflx/sf] jf a]lhNnfsf] lwtf] d"Nof+sg ;DaGwdf ======================= $*
$*= 3/÷hUUffsf] k'gM d"Nof+sg ug{ ;lsg] cj:yf =======================================================$*
$(= ldn d]zLg/L, ;jf/L;fwg tyf cf}hf/x?sf] k'gMd"Nof+sg ;DaGwdf=================================$(
%)= lwtf] /f]Ssf÷lwtf] b[li6jGws lnvt kf; ;DaGwdf ================================================$(
%!= lwtf] km's'jf ;DaGwdf===============================================================================%)
%@= lwtf] ;6[fk6[f ;DaGwdf==============================================================================%)
%#= lwtf] ;§fk§f ug]{ k|lqmof / clwsf/ =================================================================%!
%$= lwtf] ;§fk§fdf aGb]h ============================================================================== %!
%%= cf+lzs lwtf] k'ms'jf ;DaGwdf ====================================================================== %!
%^= lwtf]sf] afF8kmfF8 ug{' kg]{ =========================================================================== %#
%&= Pp6} lwtf]af6 PseGbf a9L u|fxsnfO{ shf{÷;'ljwf lbg] ;DaGwdf ================================ %#
%*= lwtf] lng] hUufsf] Go"gtd If]qkmnsf]] ;DaGwdf ==================================================== %$
%(= lgdf{0f x'g] kl/of]hgf g} lwtf] /xg] ;DaGwdf ======================================================== %$
^)= lwtf] ;DaGwL ljljw Joj:yf ======================================================================= %&

kl/R5]b %M cg'udg / ;'k/Lj]If0f

^!= cg'udg tyf lg/LIf0f =============================================================================== %*
^@= u|fxssf] shf{ vftfsf] cg'udg===================================================================== %*
^#= :6s÷df}Hbft, kfpg'kg]{ lx;fj / ltg{'kg]{ lx;fjsf] ljj/0f lng] ;DaGwdf =========================== %*
^$= kl/of]hgf÷sfof{nosf] ;'k/Lj]If0f ug'{kg]{ =========================================================== %(
^%= ;'k/Lj]If0fsf] qmddf x]g{k' g]{ ljifox? ================================================================ %(
^^= shf{sf] juL{s/0f==================================================================================== %(
^&= lgoldt cg'udg÷;'k/Lj]If0f e|d0fsf] ;do tflnsf =============================================== ^)
kl/R5]b ^M shf{ c;"nL
^*= shf{ c;"nL k|lqmof ;DaGwL Joj:yf ===============================================================^@

kl/R5]b &M ljljw

^(= Jofhb/ / z'Ns ;DaGwdf ========================================================================== ^@
&)= shf{ e'QmfgL sfo{qmd÷ldlt ;DaGwdf ========================================================== ^$
&!= shf{sf] n]vf+sg ;DaGwdf========================================================================== ^%
&@= shf{÷;'ljwf sf/f]af/ ubf{ u|fxsn] rNtL vftfdf sfod ug{k' g]{ Go"gtd /sdsf] ;DaGwdf ========= ^%
&#= kmf/fd÷/lhi6/x?sf] k|of]u=========================================================================== ^%
&$= Force Loan Book ug{] ;DaGwdf ================================================================ ^*
&%= shf{ c:jLs[t x'g ;Sg] jf shf{sf] ls:tf k|jfx ug{ /f]s nufpg ;Sg] cj:yfx? ================= ^*
&^= a'ema'emf/y ;DaGwdf================================================================================ ^*
&&= ljljw =============================================================================================== ^(
&*= sfo{ljlwsf] JofVof ================================================================================= &)
&(= sfo{ljlwdf ;+zf]wg ================================================================================== &)
*)= vf/]hL / arfp ======================================================================================== &)

cg';"rLx?
/lhi6/x?

2 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

k|:tfjgfM
s[lif ljsf; a}+s ln= shf{ sfo{ljlw, @)&#
s[lif ljsf; a}+s ln=n] a}+s tyf ljQLo ;+:yf ;DaGwL sfg"g adf]lhd g]kfn /fi6«« a}+saf6 k|fKt Ohfht tyf lgb]{zg
d'tfljs ljleGg lsl;dsf shf{ k|f]8S6x?sf 5'§f 5'§} sfo{ljlw agfO{ nfu" u/L tL sfo{ljlw cg';f/ shf{ sf/f]jf/
tyf a}+lsË ;'ljwf k|bfg ub}{ cfPsf]df a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^#, g]kfn /fi6« a}+sn] Ohfhtkqk|fKt
a}+s tyf ljQLo ;+:yfx?nfO{ hf/L u/]sf] lgb]{zg tyf ljleGg ldltdf a}+snfO{ lbPsf] lgb]{zg / a}+ssf] shf{ gLlt
adf]lhd ;a} k|sf/sf shf{ k|f]8S6x?nfO{ Pp6} sfo{ljlwdf ;dfj]z u/L a}+sdf nfu" /x]sf sfo{ljlwx?nfO{
;d;fdlos ;'wf/ ;lxt Plss/0f u/L a}+saf6 k|jflxt shf{x?sf] u'0f:t/ sfod ug{, shf{ tyf ;'ljwfx? k|bfg ubf{
sfo{ljlwut Ps?ktf sfod ug{, shf{ sf/f]jf/df k|efjsfl/tf Pjd\ kf/blz{tf sfod ug{ / cfGtl/s lgoGq0f tyf
cg'udg sfo{df ;3fp k'¥ofO{ a}+ssf] shf{ sf/f]af/nfO{ :ki6 / Jojl:yt ug{ jfG5gLo ePsf]n] s[lif ljsf; a}+s
ln= k|aGwkqsf] bkmf $ sf] pk–bkmf -%!_ sf] v08 -`_ / s[lif ljsf; a}+s ln= sf] lgodfjnLsf] lgod !@ sf]
pklgod -*_ sf] v08 -s_ sf] pk–v08 -P]_ n] lbPsf] clwsf/ k|of]u u/L s[lif ljsf; a}+s ln= n] b]xfosf]
sfo{ljlw agfO{ nfu" u/]sf] 5 .

kl/R5]b !
k|f/lDes
!= ;+lIfKt gfd / k|f/DeM -!_ of] sfo{ljlwsf] gfd æs[lif ljsf; a}+s lnld6]8, shf{ sfo{ljlw, @)&#Æ /x]sf] 5 .
-@_ of] sfo{ljlw ;+rfns ;ldltn] :jLs[t u/]sf] ldltb]lv a}+ssf ;Dk"0f{ sfof{nox?df nfu" x'g]5 .
@= kl/efiffM ljifo jf k|;Ën] csf]{ cy{ gnfu]df o; sfo{ljlwdf,–
-s_ æa}+sÆ eGgfn] s[lif ljsf; a}+s lnld6]8 / o;sf sfof{nox?nfO{ ;d]t ;Demg' kb{5 .
-v_ æshf{Æ eGgfn] o; sfo{ljlwsf] cg';"rLdf Joj:yf ul/P adf]lhdsf k|f]8S6 k]k/df pNn]lvt zLif{sdf
/sd k|jfx ug]{, k|ToIf jf ck|ToIf k|Tofe"lt / To;sf] abnfdf nufgL u/]sf] /sd c;"nL ug]{ clwsf/
tyf To:tf shf{sf] Jofh jf cGo b:t'/sf] r'Qmf, shf{ jf nufgLsf] lwtf]df lbOPsf] k'gs{hf{, shf{sf]
k'g;{+/rgf / gjLs/0f, shf{ r'Qmfsf] nflu hf/L ul/Psf] hdfgL tyf shf{ r'Qmfsf] nflu ul/Psf] cGo
arga4tf ;Demg' kb{5 / ;f] zAbn] s'g} klg lsl;dsf] C0f ;d]tnfO{ hgfpF5 .
-u_ æsf]ifdf cfwl/t shf{Æ eGgfn] u|fxsnfO{ JolQmut k|of]hgsf nflu jf lghsf] pBf]u÷Joj;fo
:yfkgf, ljsf; / ;+rfng ug{ jf kl/of]hgfdf x'g] vr{sf]nflu a}+sn] shf{sf]?kdf gub k|jfx ug]{
sf/f]jf/nfO{ ;Demg' kb{5 .
-3_ æu}/–sf]ifdf cfwfl/t ;'ljwfÆ eGgfn] a}+sn] u|fxsnfO{ gub nufgL gu/L ;'ljwf pkef]u ug]{ u|fxsn]
cfˆgf] lhDDf]jf/L k"/f gu/]sf] jf bfloTj lgjf{x gu/]sf] cj:yfdf a}+sdfly bfloTj ;g{;Sg] a}+s hdfgt
jf k|lttkq h:tf sf/f]jf/x?nfO{ ;Demg' kb{5 .
-ª_ æcfjlws jf l:y/ k'FhL shf{Æ eGgfn] k'FhLut k|s[ltsf] vr{sf] nflu Ps jif{eGbf j9L cjlwsf] nflu
k|jfx ePsf] shf{nfO{ ;Demg' kb{5 .
-r_ æ;+rfng jf rfn' k'FhL shf{Æ eGgfn] kl/of]hgf ;+rfngsf] nflu a9Ldf Ps jif{;Dd e'QmfgL cjlw
sfod u/L k|jfx ul/Psf] shf{nfO{ ;Demg' kb{5 .
-5_ æl/elNeª k|s[ltsf] shf{Æ eGgfn] :jLs[t shf{ ;Ldf;Dd /xL shf{sf] e'QmfgL Dofbleq k6sk6s jf
Ps}k6s shf{sf] cf+lzs jf k"/f /sd a}+snfO{ lkmtf{ e'QmfgL ug]{ / k'gM a}+saf6 cf+lzs jf k"/f shf{
/sd lng kfpg] Joj:yf ePsf] 5f]6f] cjlwsf] shf{nfO{ ;Demg' kb{5 .
-h_ æpkef]Uo shf{Æ eGgfn] JolQmut k|of]hgsf nflu u|fxsnfO{ k|bfg ul/g] shf{nfO{ ;Demg' kb{5 .
-em_ æ;lqmo shf{Æ eGgfn] g]kfn /fi6« a}+sn] ;do;dodf kl/eflift u/]cg';f/ c;n / ;'Id lgu/fgLsf]
juL{s/0fdf /x]sf shf{nfO{ ;Demg' kb{5 .
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 1
 -`_ ælgliqmo shf{Æ eGgfn] g]kfn /fi6« a}+sn] ;do ;dodf kl/eflift u/] cg';f/
k'g/tflnsLs/0f÷k'g/;+/rgf u/]sf, sd;n, z+sf:kb tyf v/fa shf{df juL{s/0f ePsf
shf{nfO{ ;Demg' kb{5 .
-6_ æshf{ k'g/tflnsLs/0fÆ eGgfn] u|fxsn] lnPsf] shf{÷;'ljwfsf] e'QmfgL ug]{ cjlw÷;do
a9fpg] k|lqmofnfO{ ;Demg' kb{5 .
-7_ æshf{ k'g/;+/rgfÆ eGgfn] shf{÷;'ljwfsf] k|s[lt jf zt{df kl/jt{g ug]{, aGb]hx? yk36 ug]{ jf ;do
;Ldfdf x]/km]/ ug]{ k|lqmofnfO{ ;Demg'kb{5 .
-8_ æshf{ gjLs/0fÆ eGgfn] shf{ :jLs[t ubf{ /fv]sf zt{ tyf ;'ljwfdf kl/jt{g gu/L rfn' k'FhL k|s[ltsf
shf{sf] e'QmfgL ug]{ cjlw÷;do a9fpg] k|lqmofnfO{ ;Demg' kb{5 .
-9_ æJofhÆ eGgfn] a}+sn] shf{ k|bfg u/]afkt u|fxsaf6 k|fKt ug]{ cfDbfgL jf u|fxsn] shf{ pkof]u
u/]afkt a}+snfO{ a'emfpg' kg]{ /sdnfO{ ;Demg' kb{5 .
-0f_ æu|fxs jf C0fLÆ eGgfn] a}+sdf rNtL÷shf{ vftf vf]nL td;'s u/L jf c? s"g} lnlvt zt{df
[PSn} jf ;+o'Qm ?kdf jf ;+o'Qm pkqmddf a}+saf6 sf]if jf u}/–sf]ifdf cfwfl/t sf/f]jf/ ug]{ JolQm,
kmd{, ;+:yf, ;xsf/L jf sDkgLnfO{ ;Demg' kb{5 . ;f] zAbn] u|fxssf] shf{ ;'/If0fsf nflu h'g;'s}
lsl;daf6 hdfgL a;L lbg] JolQm jf ;+:yf ;d]tnfO{ hgfpF5 ] 1 .
-t_ æPsn u|fxs shf{ ;d"xÆ eGgfn] shf{ ;fk6 tyf ;'ljwf ;Ldfsf] k|of]hgsf] lgldQ cfk;L ;DaGw
ePsf u|fxsx?sf] ;d"xnfO{ ;Demg' kb{5 .
-y_ æshf{ vftfÆ eGgfn] shf{ sf/f]af/ ug{sf] nflu u|fxsn] a}+sdf vf]n]sf] rNtL vftf k|s[ltsf] vftfnfO{
;Demg' kb{5 .
-b_ æc;n u|fxsÆ eGgfn] a}+ssf] k|rlnt c;n u|fxs ;'ljwf ;DaGwL sfo{ljlw, @)&! n] kl/eflift u/]
adf]lhdsf] u|fxsnfO{ ;Demg' kb{5 .
-w_ æk|f]8S6 k]k/Æ eGgfn] a}+saf6 pknAw u/fO{g] shf{sf] zLif{s, shf{sf] ;Ldf, shf{sf nflu cfjZos
kg]{ lwtf]] ;'/If0f, shf{sf] cjlw / cGo Joj:yf pNn]v ul/Psf] o; sfo{ljlwsf] cg';"rLdf pNn]v
ePsf] shf{sf] k|f]8S6 k]k/nfO{ ;Demg' kb{5 .
-g_ æsfo{ljlwÆ eGgfn] s[lif ljsf; a}+s lnld6]8, shf{ sfo{ljlw, @)&# nfO{ ;Demg' kb{5 .
-k_ æsfof{noÆ eGgfn] shf{ jf hdfgt jf k|tLtkq sf/f]af/ ug]{ a}+ssf] ;Dk"0f{ sfof{nox?nfO{ ;Demg'
kb{5 .
-km_ æk|aGwsÆ eGgfn] o; a}+ssf] d'Vo zfvf÷zfvf÷pkzfvf sfof{nosf k|d'vnfO{ ;Demg' kb{5 .
-a_ æk|dv ' sfo{sf/L clws[tÆ eGgfn] k|d'v sfo{sf/Lsf] x}l;otn] sfd ug]{ clwsf/LnfO{ ;Demg' kb{5 .
-e_ æ;ldltÆ eGgfn] o; a}+ssf] ;+rfns ;ldltnfO{ ;Demg' kb{5 .
-d_ ætf]lsP jf tf]lsPadf]lhdÆ eGgfn] o; sfo{ljlwdf pNn]v gePsf ljifox?sf] xsdf ;+rfns
;ldltaf6 jf k|d'v sfo{sf/L clws[taf6 hf/L ul/Psf cfb]z, kl/kq, dfu{lgb]{zg ;d]tnfO{ ;Demg'
kb{5 .
[-o_ æ8«O{ª kfj/ -Drawing Power_Æ eGgfn] u|fxssf] gfddf :jLs[t ePsf] rfn" k'FhL shf{sf] s"n ;Ldf
/sddWo] a}+s lgodfg';f/ u|fxsn] a}+saf6 lemSg jf pkof]u ug{ kfpg] clwsf/nfO{ hgfpF5 . of] zAbn] vl/b jf
lgdf{0f x'g] l:y/ ;DklQsf] tf]lsPsf] k|ltztn] pkof]u ug{ kfpg] ;LdfnfO{ ;d]t hgfpF5 .] 2
#= shf{ nufgL ubf{ ckgfpg' kg]{ l;4fGtM -!_ shf{ nufgLsf ;Defljt hf]lvdnfO{ Go"gLs/0f u/L shf{ nufgL
sf/f]af/ ;'/lIft ug{ d'Vo ?kdf kl/of]hgfsf] gub k|jfxsf] l;4fGt adf]lhd shf{ u|fxsn] ;+rfng u/]sf]
kl/of]hgfsf] gub k|jfxaf6 a}+sn] k|bfg u/]sf] shf{sf] ;fFjf / Jofh /sd ltg{ ;Sg] Ifdtf Plsg ug{' kg]{5 .
1 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ a}+saf6 sf]if jf u}/–sf]ifdf cfwfl/t sf/f]jf/ ug]{ JolQm, kmd{, ;+:yf jf sDkgLnfO{ ;Demg'
kb{5 / ;f] zAbn] s'g} u|fxssf] ljleGg lsl;daf6 hdfgL a;L lbg] JolQm jf ;+:yf ;d]tnfO{ hgfpF5 . Æ k|ltZyflkt ePsf]
2 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

2 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 -@_ kof{Kt ;'/If0fsf] l;4fGt adf]lhd a}+sn] tf]s]sf] shf{ e'QmfgL ug]{ of]hgfcg';f/ u|fxsn] shf{ r'Qmf
ug{ g;s]sf] cj:yfdf shf{ ;lhn};Fu c;"npk/ ug{ ;lsg] u/L lagf s'g} gf]S;fgL ;lhn} a]rlavg u/L
t'?Gt} shf{ /sd c;"npk/ ug{ ;lsg] k|s[ltsf] ;fdflhs tyf ef}lts k"jf{wf/sf] ljsf; ePsf] zx/L If]qsf]
lwtf]nfO{ k|fyldstf lbO{ lwtf] lng] / To:tf] lwtf]sf] s'n d"Nof+lst /sddf a}+s lgodfg';f/ dflh{g s6fO{
cfpg] /sdn] a}+sn] :jLs[t u/]sf] shf{ /sdnfO{ vfDg] u/L shf{ nufgL ug'{ kg]{5 .
-#_ pk–bkmf -!_ / -@_ df pNn]lvt l;4fGtsf cltl/Qm b]xfo adf]lhdsf ;xfos l;4fGtx? clVtof/
u/L shf{ k|jfx ug'{ kg]{5M
-s_ a}+sn] shf{ nufgL ug]{ /sd a}+ssf] cfˆg} wg ;DklQ geP/ cfˆgf lgIf]kstf{x?n] a}+snfO{ ljZjf;
u/]/ ;'/Iffsf] nflu /fv]sf] /sd ePsf]n] o:tf] lgIf]k /sd lgIf]kstf{n] dfu ugf{;fy t'?Gt} lkmtf{ ug{'kg]{
k|s[ltsf] ePsfn] a}+sn] lgIf]k lnPsf] /sd gfkmf / t/ntfdf dfq hf]8 glbP/ ;'/lIft x'g] If]q jf
;fwgdf ;'/Iff (Safety) sf] l;4fGtnfO{ clVtof/ u/L shf{ k|jfx ug]{ .
-v_ t/ntfsf] cy{ ;DklQnfO{ t'?Gt} To;sf] d"Nodf s'g} Xf; x'g glbO{ gubdf abNg ;Sg] Ifdtf ePsfn]
a}+sn] lgIf]kstf{n] hDdf u/]sf] /sd p;n] dfu ugf{;fy t'?Gt} lkmtf{ ug{ ;Ifdtfsf ;fy a}+sn] shf{
k|jfx / lgIf]k e'QmfgLnfO{ ;dfg'kflts / ;Gt'lnt 9Ëaf6 ;~rfng u/L cfk"m;Fu Go"gtd gub df}Hbft
/fvL gub Joj:yfkg ug{ ;Sg] u/L t/ntf (Liquidity) sf] l;4fGtnfO{ clVtof/ u/L shf{ k|jfx ug]{ .
-u_ a}+sn]] tf]s]sf] p2]Zo÷zLif{seGbf cGo p2]Zo÷zLif{sx?df shf{ nufgL ug{ gldNg] ePsfn] sfg"gL
?kdf :yflkt eO{ ljsf; ul/g] kl/of]hgf / ;f]sf] ;kmn ;+rfngdf ;xhtf k'Ug] u/L p2]Zo (Purpose)
sf] l;4fGt clVtof/ u/L kl/of]hgfhGo shf{ k|jfxdf hf]8 lbg] .
-3_ a}+sn] cfˆgf] ;DklQnfO{ lgoldt / kof{Kt cfDbfgL x'g] u/L pkof]u ug{'kg]{ eO{ a}+sn] cfDbfgLdf
dfq hf]8 lbbf t/ntfdf c;/ kg]{ / t/ntfdf dfq hf]8 lbbf cfDbfgLdf c;/ kg]{ ePsf]n] d'gfkmf
sf] l;4fGt clVtof/ u/L a}+ssf] t/ntfsf] ;fy} d'gfkmfdf ;d]t kof{Kt Wofg lbO{ shf{ k|jfx ug]{ .
-ª_ shf{ nufgL sfo{ cfkm}df hf]lvdk"0f{ Joj;fo ePsf]n] hf]lvd Go"gLs/0fsf] l;4fGt clVtof/ u/L
shf{ nufgL ubf{ x'g;Sg] ljleGg k|sf/sf hf]lvdx?nfO{ Go"gLs/0f x'g] u/L jf Go"gtd hf]lvd x'g] k"j{
cg'dfgsf] ljZn]if0f u/L shf{ k|jfx ug]{ .
-r_ a}+sn] ;'/Iff, t/ntf / d'gfkmfsf cltl/Qm b]zsf] ;du| ef}uf]lns ljsf; tyf /fli6«o lxtdf of]ubfg
k'Ug;Sg] u/L /fli6«o lxt sf] l;4fGtnfO{ ;d]t clVtof/ u/L shf{ k|jfx ug]{ .
-5_ ;/sf/n] cfos/ gnfUg] jf sd cfos/ nfUg] Joj:yf u/]sf If]q jf pBf]u Joj;fodf shf{ nufgL
ug{ ;lsPdf To:tf Joj;foaf6 ePsf] cfDbfgLsf] 7'nf] lx:;f s/sf] ?kdf ltg{' gkg]{ eO{ a}+ssf] shf{
c;"nLdf ;sf/fTds k|efj kg{ hfg] ePsfn] cfos/ ;'ljwf (Income Tax Facility) sf] l;4fGtnfO{
cjnDjg u/L shf{ k|jfx ug]{ .
-h_ a}+sn] s'g} Ps} u|fxs÷;d'x jf Ps} k|s[ltsf] pBf]u÷Joj;fo jf Ps} ef}uf]lns If]q jf Ps} k|s[ltsf]
k|lte"ltx?df shf{ nufgL ubf{ clws]Gb|Lt hf]lvdsf] ;[hgf x'g] ePsfn] shf{ nufgLdf ljljwtf sf]
l;4fGtsf cfwf/df hf]lvd ljefhg x'g] u/L km/skm/s u|fxs÷If]q÷pBf]u÷Jofkf/ Joj;fo nufot
b]zsf] ef}uf]lns ljljwtfdf klg Wofg lbO{ shf{ k|jfx ug]{ .

$= shf{ rqm (Credit Cycle) sf] ;Dk"0f{ k|lqmofdf Wofg lbg' kg]{M ;Defljt u|fxssf] ljifodf ;f]wk'5 tyf
5fgjLg ug]{, cfj]bg lbg], ljZn]if0f ug]{, :jLs[lt ug{], shf{ k|jfx ug]{, cg'udg tyf ;'k/Lj]If0f ug]{ / shf{
c;"nL u/fpg];Ddsf] shf{ rqmleqsf b]xfosf k|lqmofx?sf] qmda4 ?kn] kfng u/]/ shf{ sf/f]af/nfO{
;xh?kdf ;+rfng ug'{ kg]{5M
-!_ u|fxssf] 5fgjLgM k|:t't kl/of]hgf -Joj;fo÷pBf]u_ Pj+ shf{ cfj]bs shf{sf nflu pko'Qm
5g\÷5}gg\ eGg] ;dLIff ug{ tyf shf{ u|fXotf Plsg ug{sf] nflu ;f]wk'5 dfkm{t\ shf{ cfj]bs / lghsf]
kl/of]hgfsf] lj:t[t 5fgjLg u/]/dfq shf{sf] cfj]bg lng] k|lqmofnfO{ cuf8L a9fpg' kg]{5 .
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 3
 -@_ shf{ cfj]bgM shf{ cfj]bssf] ljutsf] shf{ ;DaGwL /fd|f] O{ltxf; / Jofkfl/s k|lti7f g} shf{ cfj]bg
cl3 a9fpg] cfwf/x? ePsfn] ;f] ljifodf s'g} z+sf g/x]dfdfq shf{ cfj]bgnfO{ cufl8 a9fpg'
kg]{5 .
-#_ shf{ ljZn]if0fM shf{ cfj]bsn] shf{sf] nflu cfj]bgsf];fy a}+sn] tf]s] cg';f/sf ;Dk"0f{ sfuhftx?
k]; u/]kl5 cfj]bssf] k|:tfljt kl/of]hgfsf] ;Dk"0f{ kIfsf] ljZn]if0f u/L kl/of]hgfsf] ;a} kIf pko'Qm
ePdfdfq shf{ :jLs[ltsf] k|lqmof cl3 a9fpg' kg]{5 . k"0f{tfsf]] nflu ljZn]ifsn] :jLs[lt, c:jLs[lt
jf k|:tfjsf] k'g/th'{df af/] l;kmfl/z ug'{ kg]{5 . l;kmfl/z ;sf/fTds ePdf cfjZos shf{ /sd /
To; ;DaGwL zt{ tyf kl/zt{x? ;d]t ls6fgL ug'{ kg]{5 .
-$_ shf{ :jLs[ltM shf{ ljZn]if0faf6 l;kmfl/z ePadf]lhd u|fxssf] gfddf shf{ :jLs[t ug'{ kg]{5 .
-%_ shf{ k|jfxM :jLs[t ePsf] shf{ k|jfx ubf{ b]xfo adf]lhd ug'{ kg]{5M
-s_ :jLs[t ePsf] shf{sf] clelnlvt÷/]s8{ ug]{ .
-v_ u|fxs / lghsf] nflu hdfgL a:g]n] shf{ afkt lwtf] /flvlbg] sfg"gL sfuhft / ;Demf}tfx?
cfjZostf cg';f/ ;Dkfbg u/]sf] 5÷5}g olsg ug]{ .
-u_ :jLs[lt lbg] clwsf/Ln] tf]s]sf zt{ kl/zt{x? k"/f ePsf] 5÷5}g olsg ug]{ .
-3_ shf{ k|jfx ubf{ Joj;fosf] k|s[ltcg';f/ Psd'i7 jf k|:tfjdf ls6fgL ePadf]lhd pTkfbgsf]
kl/rqmn] rfn' k'FhLsf] cfjZostf lgwf{/0f u/L kl/of]hgfsf] sfof{Gjogsf] r/0f;Dd klg ls:tf
k|bfg ug]{ .
-ª_ :jLs[t shf{sf] e'QmfgL cfjZostfcg';f/ u|fxssf] a}+sdf /x]sf] rNtL÷shf{ vftfdf hDdf ug]{
jf r]s dfkm{t\ ug]{ .
-^_ cg'udg / ;'kl/j]If0fM nufgL ePsf] shf{sf] b]xfo adf]lhd cg'udg / ;'kl/j]If0f ug'{ kg]{5M
-s_ shf{ nufgLsf] r/0fb]lv shf{ k"/f r'Qmf geP;Dd k|:tfjdf pNn]lvt nIox? cg'?ksf
pknlAwx?sf] lgoldt hfFr u/L cg'udg ug]{ / shf{ /sdsf] ;b'kof]u ePsf] 5 5}g elg ef}lts
hfFra'em u/L lgoldt ?kdf ;'kl/j]If0f ug]{ .
-v_ kl/of]hgfsf] cfGtl/s tyf afXo sf/0faf6 l;lh{t ;d:ofx?sf] sf/0fn] shf{ ;Demf}tfsf zt{
kl/zt{x?df kl/jt{g jf k'g/fjnf]sg ug{' kg]{ cj:yfdf ;d]t ;'kl/j]If0f u/L k|:tfj ul/PeGbf
km/s s'/fx? jf To:tf km/sx?sf] lg/fs/0f ug]{ dfu{bz{g ug{ jf kl/of]hgf k|:tfjnfO{ ;+zf]wg
ug{ u|fxsnfO{ d2t k'¥ofpg] .
-&_ shf{ c;"nLM shf{ ;Demf}tfdf pNn]v ePadf]lhd shf{ r'Qmf ug]{ ;do tflnsf cg';f/ u|fxsn] ;fFjf,
Jofh / cGo n]gf /sd ;lxt ;Dk"0f{ ltg'{kg]{ bfloTjx? r'Qmf ug{ g;Sbf shf{ r'Qmfsf] nflu a}+ssf]
[k|rlnt shf{ c;"nL sfo{ljlw] 3 adf]lhd shf{ c;"nL ug]{ jf jSof}tf /sdsf] Joj:yfkg,
k'g/tflnlss/0f, k'g/;+/rgf / c;"nL ;DaGwL cGo sf/jfxL ug'{ kg]{5 .

kl/R5]b @
shf{ tyf ;'ljwfsf k|sf/ ;DaGwL Joj:yf

%= sf]ifdf cfwfl/t shf{M -!_ u|fxsn] kl/of]hgf -pBf]u jf Joj;fo_ sf] :yfkgf, ljsf; / ;+rfng ug{ jf
kl/of]hgfdf x'g] vr{sf] nflu shf{ dfu u/]df a}+sn] sf]ifdf cfwfl/t shf{ pknAw u/fpg ;Sg]5 . o;
lsl;dsf] sf/f]af/df a}+sn] shf{ :jLs[t u/L u|fxsnfO{ shf{:j?k gub /sd pknAw u/fPs} ldltb]lv
a}+ssf] sf]if pkof]u x'G5 jf a}+saf6 afXo gub k|jfx x'g]5 . o; lsl;dsf] sf/f]af/nfO{ a}+ssf] jf;nftsf]
;DklQtk{m b]vfpg' kg]{5 .
-@_ u|fxs -JolQm jf kmd{ jf ;+:yf jf sDkgL_ n] ljleGg k|of]hgsf nflu a}+s;Fu shf{ dfu u/]df a}+sn]
3 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æshf{ c;"nL ljlgodfjnL, @)^* / shf{ c;"nL sfo{ljlw, @)^*Æ k|ltZyflkt ePsf]
4 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 g]kfn /fi6« a}+saf6 hf/L ePsf lgb]{zgx? / a}+ssf] shf{ gLlt tyf o; sfo{ljlwsf] cwLgdf /xL ljleGg If]q
/ k|of]hgsf nflu shf{ nufgL ug{ ;Sg]5 .
-#_ shf{sf] p2]Zo / k|s[ltsf cfwf/df b]xfo adf]lhdsf] ;+rfng jf rfn' k'FhL shf{, cfjlws jf l:y/
k'FhL shf{ / pkef]Uo shf{ pknAw u/fpg ;lsg]5M
-s_ ;+rfng jf rfn' k'FhL shf{M kl/of]hgfsf] lgoldt ;+rfngsf] nflu a9Ldf Ps jif{;Dd e'QmfgL cjlw
sfod u/L k|jfx ul/Psf] shf{nfO{ ;+rfng jf rfn' k'FhL shf{ elgg]5 . o; k|s[ltsf] shf{ cGtu{t
s[lif pTkfbg, kz'k+IfLkfng, df5fkfng, lzt3/, pBf]u, ;]jf, Jofkf/ cflb If]qdf Joj;fo ;+rfngsf
nflu k|bfg ePsf] 5f]6f] cjlwsf] shf{x? kg]{5g\ . pk/f]Qm shf{x? afx]s a}+sn] ;do ;dodf tf]s]sf
rfn' k'FhL k|s[ltsf cGo shf{x? ;d]t ;+rfng k'FhL shf{ cGtu{t kg]{5g\ .
-v_ cfjlws jf l:y/ k'FhL shf{M k'FhLut k|s[ltsf] vr{sf] nflu ;fdfGotof Ps jif{eGbf a9L cjlwsf]
nflu k|jfx ePsf] shf{nfO{ cfjlws jf l:y/ k'FhL shf{ elgg]5 . kl/of]hgfsf] :yfkgf, ljsf; /
Ifdtf lj:tf/ ug]{ p2]Zon] k|jfx ul/Psf shf{x? cfjlws shf{ cGtu{t kg]{ 5g\ . o; k|s[ltsf] shf{
cGtu{t s[lif pTkfbg, kz'k+IfLkfng, df5fkfng, lzt3/, pBf]u, ;]jf cflb If]qdf k|bfg ePsf] nfdf]
cjlwsf] shf{x? kg]{5g\ . To;}u/L xfo/kr]{h shf{, c6f] shf{, cfjf; shf{, Joj;flos ejg tyf
xfplhË lgdf{0f shf{, 3/÷hUuf v/Lb shf{ cflb shf{x?;d]t o; cGtu{t kg]{5g\ . pk/f]Qm shf{x?
afx]s a}+sn] ;do ;dodf tf]s]sf nfdf] cjlwsf] shf{x? ;d]t cfjlws shf{ cGtu{t kg]{5g\ .
-u_ pkef]Uo shf{M JolQmut k|of]hgsf nflu u|fxsnfO{ k|bfg ul/g] shf{nfO{ pkef]Uo shf{ elgg]5 . o:tf]
shf{sf] cjlw Ps jif{;Ddsf] jf ;f]eGbf a9L cjlwsf] ;d]t x'g ;Sg]5 . o; k|s[ltsf] shf{ cGtu{t
3/fozL shf{, JolQmut cf]e/8«fˆ6, z}lIfs shf{, ;'grfFbL lwtf] shf{, qm]l86 sf8{, d'4lt /l;b lwtf]
shf{, ;'/If0fkq lwtf] shf{, z]o/ lwtf] -dflh{g n]l08Ë_ shf{, c6f] shf{, JolQmut cfjf;Lo 3/ shf{
cflb kg]{5g\ . pk/f]Qm shf{x? afx]s a}+sn] ;do ;dodf tf]s]sf JolQmut k|of]hgsf nflu pknAw
u/fOg] cGo shf{x? ;d]t pkef]Uo shf{ cGtu{t kg]{5g\ .
^= u}/sf]ifdf cfwfl/t ;'ljwfM -!_ a}+sn] u|fxsnfO{ gub nufgL gu/L ;'ljwf pkef]u ug]{ u|fxsn] cfˆgf]
lhDd]jf/L k"/f gu/]sf] jf bfloTj lgjf{x gu/]sf] cj:yfdf a}+sdfly bfloTj ;g{;Sg] a}+s hdfgt jf k|lttkq
h:tf u}/sf]ifdf cfwfl/t ;'ljwfx? pknAw u/fpg ;lsg] 5 . u}/sf]ifdf cfwfl/t ;'ljwf cGtu{t hdfgt,
k|tLtkq, :jLsf/kq, k|lta4tf, ljb]zL ljlgdo ;DaGwL :jfk, cK;g, clu|d sf/f]af/ cflb sf/f]af/ kg]{5g\ .
o:tf] ;'ljwf pkef]u ug]{ u|fxsn] cfˆgf] k|lta4tfcg';f/ lglZrt ;dofjlwdf cfˆgf] bfloTj k"/f u/]g eg]
dfq a}+sn] ;f]sf] lhDd]jf/L lnO{ u|fxssf tk{maf6 ;f] bfloTj jxg ug'{ kg]{5 .
-@_ pkbkmf -!_ adf]lhdsf] sf/f]af/x?nfO{ jf;nftleq g/fvL jf;nftaflx/sf] sf/f]af/ (Off Balance
Sheet Transaction) sf] ?kdf jf;nftsf] tNnf] efudf ;Defljt bfloTjsf] ?kdf b]vfpg' kg]{5 / o:tf]
;'ljwf pkef]u ug]{ u|fxsn] cfˆgf] bfloTj k"/f gu/]sf] cj:yfdf pQm ;'ljwf sf]ifdf cfwfl/t shf{df kl/0ft
x'g]5 .
&= shf{sf k|f]8S6df yk36 ug{ ;lsg]M [-!_ a}+s ;+rfns ;ldltn]] 4 cfjZostf adf]lhd shf{sf k|f]8S6x?
;do;dodf yk36 ug{ ;Sg]5 .
[-@_]5 shf{sf k|f]8S6 cg';"rL–! sf] k|f]8S6 k]k/df Joj:yf eP adf]lhd x'g]5g\ .

kl/R5]b #
shf{ k|zf;gsf cfwf/e't k|lqmof
*= shf{ cfj]bsM b]xfo adf]lhdsf] k|fs[lts JolQm÷k|f]k|fO{6/lzk kmd{÷;fem]bf/L kmd{÷sDkgL÷;+:yf

4 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æa}+sn]Æ k|ltZyflkt ePsf]
5 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 5
 [÷;xsf/L ;+3 ;+:yf÷;+o'Qm pkqmdsf kmd{÷sDkgL] 6 shf{ cfj]bs x'g ;Sg]5g\M
-!_ shf{ cfj]bs k|fs[lts JolQm ePdfM
-s_ g]kfnL gful/s x'g'kg]{ .
-v_ lghsf] pd]/ !* jif{ k"/f ePsf] .
-u_ dfgl;s tyf zfl//Ls cj:yf 7Ls ePsf] .
-@_ shf{ cfj]bs k|f]kf| O{6/lzk kmd{ ePdfM
-s_ g]kfn ;/sf/sf] ;DalGwt lgsfodf /Ltk"j{s btf{ eO{ lgoldt ?kdf gjLs/0f ePsf] x'g'kg]{ .
-v_ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 pBf]u btf{ tyf Joj;fo ;+rfng ug{ O{hfht lnPsf]
x'g'kg]{ .
-u_ k|f]k|fO{6/ g]kfnL gful/s x'g'kg]{ .
-3_ k|f]k|fO{6/sf] pd]/ !* jif{ k"/f eO{ dfgl;s tyf zfl//Ls cj:yf 7Ls ePsf] .
-ª_ :yfoL n]vf gDj/ lnPsf] x'g'kg]{ .
-r_ cfjZostfcg';f/ d"No clej[l4 s/ (VAT) df btf{ ePsf] x'g'kg]{ .
-#_ shf{ cfj]bs ;fem]bf/L kmd{ ePdfM
-s_ g]kfn ;/sf/sf] ;DalGwt lgsfodf /Ltk"j{s btf{ eO{ lgoldt ?kdf gjLs/0f ePsf] x'g'kg]{ .
-v_ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 pBf]u btf{ tyf Joj;fo ;+rfng ug{ O{hfht lnPsf]
x''g'kg]{ .
-u_ ;fem]bf/x? g]kfnL gful/s x'g'kg]{ .
-3_ :yfoL n]vf gDa/ (PAN) lnPsf] x'g'kg]{ .
-ª_ cfjZostfcg';f/ d"No clej[l4 s/ df btf{ ePsf] x'g'kg]{ .
-$_ shf{ cfj]bs k|fO{e]6 lnld6]8 jf klAns lnld6]8 sDkgL ePdfM
-s_ g]kfn ;/sf/sf] ;DalGwt lgsfodf /Ltk"j{s btf{ ePsf] x'g'kg]{ .
-v_ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 Joj;fo ug{ O{hfht lnPsf] x'g'kg]{ .
-u_ ;+rfns tyf z]o/wgLx? g]kfnL gful/s x'g'kg]{ .
-3_ :yfoL n]vf gDa/ (PAN) lnPsf] x'g'kg]{ .
-ª_ cfjZostfcg';f/ d"No clej[l4 s/ df btf{ ePsf] x'g'kg]{ .
-%_ shf{ cfj]bs g]kfn ;/sf/sf] k"0f{ jf cf+lzs :jfldTj ePsf] ;+:yf ePdfM
-s_ k|rlnt g]kfnsf] sfg"g adf]lhd u7g jf :yfkgf ePsf] x'g'kg]{ .
-^_ shf{ cfj]bs ;xsf/L ;+:yf ePdfM
-s_ k|rlnt g]kfnsf] sfg"g adf]lhd u7g jf :yfkgf ePsf] x'g'kg]{ .
-v_ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 Joj;fo ;+rfng ug{ O{hfht lnPsf] x'g'kg]{ .
-u_ ;+rfns tyf z]o/wgL g]kfnL gful/s x'g'kg]{ .
-3_ :yfoL n]vf gDa/ (PAN) lnPsf] x'g'kg]{ .
-ª_ cfjZostfcg';f/ d"No clej[l4 s/ df btf{ ePsf] x'g'kg]{ .
-&_ shf{ cfj]bs u}/ g]kfnL ;d]t ;+nUg ePsf] ;fem]bf/L kmd{÷sDkgLsf] xsdfM
-s_ u}/ g]kfnL ;+nUg ePsf] ;fem]bf/L kmd{÷sDkgL g]kfn ;/sf/sf] ;DalGwt lgsfodf /Ltk"j{s btf{
ePsf] x'g'kg]{ .
-v_ u}/ g]kfnL ;+nUg ePsf] ;fem]bf/L kmd{÷sDkgLn] g]kfnleq pBf]u÷Joj;fo ;+rfng ug{ kfpg]
:jLs[lt÷O{hfht g]kfn ;/sf/sf] ;DalGwt ljefu÷lgsfoaf6 kfPsf] x'g'kg]{ .
-u_ u}/ g]kfnL ;+nUg ePsf] ;fem]bf/L kmd{÷sDkgLdf sDtLdf @% k|ltzteGbf a9L g]kfnL

6 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

6 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 ;fem]bf/÷z]o/wgL x'g'kg]{ jf g]kfnsf] k|rlnt sfg"g adf]lhd tf]lsPsf] z]o/ k|ltzt lnPsf]
x'g'kg]{ .
-3_ :yfoL n]vf gDa/ (PAN) lnPsf] x'g'kg]{ .
-ª_ cfjZostfcg';f/ d"No clej[l4 s/ df btf{ ePsf] x'g'kg]{ .
[-*_ shf{ cfj]bs u}/ cfjf;Lo g]kfnLx?sf] k"0f{ jf cf+lzs :jfldTj ePsf] kmd{÷;+:yf÷sDkgL ePdfM
-s_ u}/ cfjf;Lo g]kfnLx?sf] k"0f{ jf cf+lzs :jfldTj ePsf] kmd{÷;+:yf÷sDkgL g]kfn ;/sf/sf]
;DalGwt lgsfodf /Ltk"j{s btf{ ePsf] x'g' kg]{ .
-v_ kmd{÷;+:yf÷sDkgLn] g]kfn ;/sf/sf] ;DalGwt ljefu÷lgsfoaf6 g]kfnleq pBf]u÷Joj;fo
;+rfng ug{ kfpg] :jLs[lt÷O{hfht kfPsf] x'g' kg]{ .
-u_ :yfoL n]vf gDa/ (PAN) lnPsf] x'g'kg]{ .
-3_ k|rlnt sfg"g adf]lhd d"No clej[l4 s/ (VAT) df btf{ ePsf] x'g' kg]{ .
-ª_ ;DalGwt b]zsf] /fhb'tfjf; jf dxfjfl0fHo b'tfjf; jf lgsfoaf6 k|dfl0ft u/]sf] u}/ cfjf;Lo
g]kfnLsf] ljb]zL gful/stf / kf;kf]6{sf] k|ltlnkL lng' kg]{ .] 7
(= Psn u|fxs shf{ ;d"x (Single Borrower Group): -!_ shf{ ;fk6 tyf ;'ljwf ;Ldfsf] k|of]hgsf nflu
cfk;L ;DaGw ePsf u|fxsx?sf] ;d"xnfO{ b]xfosf cj:yfdf Psn u|fxs shf{ ;d"x dflgg]5 . o; cGtu{t
sfod ul/g] shf{ / ;'ljwfsf] s'n ;LdfnfO{ Psn u|fxs shf{ ;Ldf (Single Obligor Limit) dflgg]5M
-s_ s'g} sDkgLn] csf]{ sDkgLsf] @%Ü -kRrL; k|ltzt_ jf ;f]eGbf a9L z]o/ lnPsf] eP To:tf b'j}
sDkgLx? .
-v_ s'g} JolQm, [sDkgLsf] ;~rfns, k|fOe]6 lnld6]8 sDkgLsf ;]o/wgL, ;fem]bf/L kmd{sf ;fem]bf/,
kmd{sf k|f]k|fO6/ tyf To:tf JolQm, ;~rfns, ;]o/wgL, ;fem]bf/ jf k|f]k|fO6/sf Psf3/df a;f]af; u/L
cfPsf jf 5'§ leGg ePsf] 8 klt jf kTgL, 5f]/f, 5f]/L, wd{k'q, wd{k'qL, afa', cfdf, ;f}t]gL cfdf /
cfkm"n] kfngkf]if0f ug{'kg]{ bfh', efO{ tyf lbbL alxgLx? .
-u_ v08 -v_ df pNn]lvt JolQmx?n] PSn} jf ;+o'Qm?kdf csf]{ sDkgLsf] @% k|ltzt jf ;f]eGbf a9L
z]o/ lnPsf] eP To:tf sDkgLx? .
-3_ v08 -v_ df pNn]lvt JolQmx?n] PSn} jf ;+o'Qm ?kdf csf]{ sDkgLsf] @% k|ltzteGbf sd z]o/
lnPsf] ePtfklg To:tf] sDkgLsf] Joj:yfkgdf b]xfo adf]lhd lgoGq0f ePsf To:tf sDkgLx?M
-c_ ;+rfns ;ldltsf] cWoIf eO{,
-cf_ sDkgLsf] sfo{sf/L k|d'v eO{ jf
-O{_ sDkgLsf] ;+rfnsx?dWo] @% k|ltzteGbf a9L ;+rfnsx? lgo'Qm ePdf,
-ª_ Ps} ;d"x egL cfj4 /x]sf kmd{, sDkgL jf To:tf ;d"xsf ;b:ox? .
-r_ v08 -[v] 9 _ adf]lhd Pp6f u|fxs jf sDkgLn] csf]{ u|fxs jf sDkgLnfO{ hdfgt lbPsf] eP
To:tf u|fxs jf sDkgLx? .
-5_ Pp6} lwtf]df PseGbf a9L JolQmx?nfO{ shf{ k|jfx u/]sf] eP To:tf JolQmx? .
[====] 10
[-h_ kmd{, sDkgL afx]s cGo ;+:yfx?sf] xsdf ;f] ;+:yf ;~rfng, lgoGq0f jf Joj:yfkgdf k|ToIf ;+nUg
JolQm jf lghsf] Psf3/df a;f]af; u/L cfPsf jf 5'§fleGg ePsf klt jf kTgL, 5f]/f, 5f]/L, wd{k'q,

7 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

8 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd ækmd{sf] k|f]k|fO{6/, sDkgLsf] ;+rfns, k|fOe]6 lnld6]8÷klAns lnld6]8 sDkgLsf
z]o/wgLx? / ;fem]bf/L kmd{sf ;fem]bf/ Psf3/df a;f]af; u/L cfPsf jf 5'§f5'§} 3/df a;f]af; u/]sf Æ k|ltZyflkt ePsf]
9 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ@Æ k|ltZyflkt ePsf]
10 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ-h_ Ps cfk;df JolQmut hdfgL lbPsf] 5 eg] To:tf] hdfgL lbg]÷lng] JolQmx? .Æ
x6fOPsf]
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 7
 wd{k'qL, afa', cfdf, ;f}t]gL cfdf / cfk"mn] kfngkf]if0f ug'{ kg]{ bfh', efO, tyf lbbL, alxgL .] 11

-@_ Psn u|fxs shf{ ;Ldf ;DaGwdf cGo Joj:yf g]kfn /fi6« a}+sn] ;do ;dodf u/]sf] lgb]{zgcg';f/ x'g]5 .
!)= shf{ cfj]bssf nflu x'gk' g]{ Go"gtd of]UotfM shf{ cfj]bg ug{sf nflu u|fxssf] of]Uotf b]xfo adf]lhd
x'g]5M
(1) a}+ssf] ;DalGwt sfof{nodf rNtL÷shf{ vftf vf]nL tf]s] cg';f/sf] Go"gtd df}Hbft sfod u/]sf
u|fxs .
(2) a}+s jf ljQLo ;+:yfx?;Fusf] shf{ sf/f]af/ ;Gtf]ifhgs eO{ [c;n ju{df juL{s/0f ePsf] .] 12
(3) [shf{ u|fxs] 13 k|fs[lts JolQm÷k|f]k|fO{6/÷;fem]bf/÷;~rfnssf] ljZjf;gLotf / ljQLo cj:yf
:jLsf/of]Uo ePsf] .
(4) [shf{ u|fxs] 14 k|fs[lts JolQm÷k|f]k|fO{6/÷;fem]bf/x?÷z]o/xf]N8/x?÷;~rfnsx? sfnf] ;"rLdf
g/x]sf] . ;fy} lghsf Psf3/ kl/jf/sf ;b:ox? jf lgh;Fu ;DalGwt kmd{÷sDkgLsf] gfddf s'g} klg
Dofb gf3]sf] shf{ aSof}tf eP÷gePsf] ;DaGwdf lghaf6 cg';"rL–#=! adf]lhd :j3f]if0ff lbg' kg]{ .
(5) a}+sn] dfu u/] cg';f/sf] sfuhft k]z u/]sf] x'g' kg]{ .
(6) a}+snfO{ :jLsf/of]Uo lwtf] ;'/If0f lbPsf] x'g' kg]{ .
(7) a}+sn] tf]s]sf zt{x? kfngf ug{ k|lta4 ePsf] x'g' kg]{ .
(8) kmd{÷sDkgL÷;+:yfn] shf{ sf/f]af/ ug]{ ePdf clVtof/Lgfdfaf6 sf/f]af/ ug]{ JolQm g]kfnL gful/s
x'g' kg]{ . g]kfnL gful/s afx]s cGon] clVtof/Lgfdfaf6 sf/f]af/ ug{ u/fpg d'Vo sfof{no, shf{
ljefusf] k"j{ :jLs[lt lnPsf] x'g' kg]{5 .

!!= shf{ u|fxsn] :yfoL n]vf gDa/ lng'kg]{M [5'§f5'§} jf Psd'i6 u/L ?= %) nfv jf ;f]eGbf a9L /sdsf]
shf{ s'g} JolQmnfO{ k|jfx ug'{ k/]df To:tf] JolQmn] clgjfo{ ?kdf :yfoL n]vf gDa/ lnPsf] x'g' kg]{5 .
g]kfn /fi6« a}+sn] ;do;dodf kl/efiff u/] cg';f/ shf{ u|fxs Pp6} ;d"x cGtu{t kg]{ ePdf To:tf] ;d"xn]
?=%) nfv jf ;f]eGbf a9L /sdsf] shf{ lnPsf] cj:yfdf pQm ;d"x cGtu{tsf] s'g} JolQmnfO{ ?=%)
nfv eGbf sd /sdsf] shf{ k|jfx ug'{k/]sf] cj:yfdf ;d]t clgjfo{ ?kdf :yfoL n]vf gDa/ lnPsf] x'g'
kg]{5 . ] 15
!@= shf{÷;'ljwf k|bfg ug{ aGb]hM a}+saf6 b]xfosf JolQm÷kmd{÷;+3 ;+:yf÷;fem]bf/L kmd{÷sDkgLnfO{ shf{ jf
;'ljwf k|bfg ul/g] 5}gM
(1) o; a}+ssf ;+:yfks, ;~rfns, k|d'v sfo{sf/L clws[t / lgh tyf lghsf] Psf3/sf kl/jf/sf
;b:ox? ;+nUg ePsf] kmd{÷;+3 ;+:yf÷;fem]bf/L kmd{÷sDkgLnfO{ sf]if tyf u}/–sf]ifdf cfwfl/t
;'ljwf k|bfg ug{ kfOg] 5}g . t/ o; a}+s jf cGo a}+ssf] d'2lt lgIf]k /l;b / ztk|ltzt gub dflh{gdf
hdfgt hf/L ug{ tyf g]kfn ;/sf/ jf g]kfn /fi6« a}+s C0fkqsf] lwtf]df shf{ k|bfg ug{ ;lsg]5 .
(2) a}+ssf] r'Qmf k'FhLsf] Ps k|ltzt jf ;f]eGbf a9L ;fwf/0f z]o/ ePsf] z]o/wgL tyf lghsf Psf3/sf
kl/jf/x?nfO{ sf]if tyf u}/–sf]ifdf cfwfl/t ;'ljwf k|bfg ug{ ;lsg] 5}g .
(3) a}+ssf axfnjfnf n]vfk/LIfs, sfg"gL ;Nnfxsf/ tyf ;"rLs[t lwtf] d"Nof+sgstf{nfO{ sf]if tyf
u}/–sf]ifdf cfwfl/t ;'ljwf k|bfg ug{ ;lsg] 5}g .
(4) o; a}+ssf axfnjfnf sd{rf/L tyf lghsf Psf3/sf kl/jf/sf ;b:ox? ;+nUg ePsf]

11 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd ;flas v07 x6fO yk ePsf]
12 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æDefault cj:yfdf g/x]sf] .Æ k|ltZyflkt ePsf]
13 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
14 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
15 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ! s/f]8Æ k|ltZyflkt ePsf] tyf (PAN) zJb x6fOPsf]

8 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 kmd{÷;+:yf÷sDkgLnfO{ sf]if tyf u}/–sf]if cfwfl/t ;'ljwf k|bfg ug{ kfOg] 5}g . t/ sd{rf/LnfO{
sd{rf/L ljlgodfjnLdf pNn]lvt ;fk6L÷;'ljwfsf cltl/Qm o; a}+s jf cGo s'g} a}+s tyf ljQLo
;+:yfdf /flvPsf] d'2lt /l;b, ;'grfFbL tyf g]kfn ;/sf/÷g]kfn /fi6« a}+sn] hf/L u/]sf] C0fkq÷art
kqsf] lwtf]df shf{ k|bfg ug{ ;lsg]5 .
!#= shf{sf] nflu cfjZos kg]{ sfuhft ;DaGwL Joj:yfM -!_ shf{ u|fxs;Fu lng'kg]{ cfjZos sfuhftx?
b]xfo adf]lhd x'g]5M
-s_ lwtf] ;'/If0f ;DaGwL sfuhftx? .
-v_ Joj;fo btf{ ;DaGwL sfuhftx? .
-u_ kl/of]hgf ;DaGwL sfuhftx? .
-3_ cfDbfgLsf] >f]t ;DaGwL sfuhftx? .
-ª_ cGo cfjZos sfuhftx? .
-@_ pkbkmf -!_ adf]lhdsf sfuhftx?sf] lj:t[t ljj/0f cg';"rL–$ df pNn]v eP adf]lhd x'g]5 . ;f]
cg';"rLdf pNn]lvt sfuhftx? clgjfo{ ?kdf lnO{ shf{df sfd ug]{ sd{rf/Ln] ;f]sf] ?h' k|dfl0fs/0f ;d]t ug{'
kg]{5 . shf{sf] nflu tf]lsPsf] cfjZos sfuhftx? lnO{ ldl;ndf ;+nUg ug'k{ g]{ k"0f{ lhDd]jf/L shf{ l;kmfl/z
ug]{ sd{rf/Lsf] x'g]5 . sfuhftx? Ps cfk;df le8]÷gle8]sf] k|dfl0fs/0f ug]{ k"0f{ lhDd]jf/L sfuhft ?h' ug]{
sd{rf/Lsf] x'g]5 . shf{ c
fj]bsn] k]z u/]sf sfuhft tyf shf{ k|zf]wg ubf{ tof/ ul/Psf cg';"rLx? bkmf !$ df tf]s] cg';f/
ldl;ndf l;nl;n]jf/ ldnfpg] bfloTj shf{ l;kmfl/z ug]{ sd{rf/Lx?sf] x'g]5 .
!$= shf{ ;DaGwL sfuhftsf] Joj:yfgM -!_ a}+sn] k|jfx u/]sf] shf{ sf/f]af/sf] l;nl;nfdf tof/ ul/g] tyf k|fKt
x'g] sfuhftx? ;'/lIft Pjd\ Jojl:yt tl/sfn] /fVg' kg]{5 . [o;/L sfuhft ldnfpFbf sfuhftx?nfO{ Go"gtd
b]xfo adf]lhdsf] v08df afF8]/ ldnfpg' kg]{5 .
v08 /xg] sfuhftx?
;+:yf btf{, Ohfht kq, btf{ gjLs/0f ;DjGwL sfuhft, z]o/ nut, ;+rfns nut, k|aGwkq,
sfg"gL sfuhft
lgodfjnL, ljwfg, gful/stf cflb .
ljQLo ljj/0fsf sfuhft n]vfk/LIf0f ePsf÷gePsf jf k|If]lkt ljQLo ljj/0fx?, s/ r'Qmf sfuhftx? cflb .
q}dfl;s jf cw{jflif{s jf jflif{s cg'udgsf sfuhft, rfn' k'FhL shf{sf xsdf u|fxsn]
cg'udg;Fu ;DalGwt
q}dfl;s ?kdf k|bfg u/]sf] df}Hbft, kfpg' kg]{ lx;fj tyf e'QmfgL lbg' kg]{ lx;fjsf] ljj/0f
sfuhft
cflb .
lwtf] ;DaGwL lwtf] ;DaGwL ;Dk"0f{ sfuhftx? .
cGo shf{ sfo{ljlw;Fu ;DalGwt ljleGg cg';"rLx?, cGo kqfrf/x? .
] 16
-@_ shf{sf] :jLs[lt, gjLs/0f, cg'udg, lg/LIf0f / c;"nL cflb sfo{sf nflu dxTjk"0f{ clen]v tyf
k|df0fsf] ?kdf sfuhft /xg] x'Fbf shf{sf] ldl;ndf b]xfo adf]lhd qmd ldnfO{ sfuhftx? ;'/lIft;fy /fVg'
kg]{5M
-s_ shf{;Fu ;DalGwt sfuhftx?M
(1) shf{ :jLs[lt kq, s'g} 5'6 ;'ljwf eP ;f];DaGwL :jLs[lt–kqx?
(2) shf{ gjLs/0f÷shf{ yk jf shf{;Fu ;DalGwt cGo :jLs[lt–kqx?
(3) d'Vo sfof{no tyf If]qLo sfof{no;Fu ePsf kqfrf/x?
(4) shf{ ;b'kof]lutf lg/LIf0fsf kmf/fdx?
(5) shf{ k|bfg ug]{ cfGtl/s kq
(6) rfn' aLdf kf]ln;L / ;f]sf] /;Lb
(7) shf{ ;'ljwf–kq -shf{ :jLs[t k|:tfj

16 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 9
 (8) shf{ cfj]bg kmf/fd
(9) ;fv ;"rgf tyf ax' a}+lsË sf/f]af/sf] ljj/0f
(10) cg';"rL–@ sf] 9fFrfsf] shf{ ;f]wk'5 kmf/fd
-v_ kl/of]hgf / kl/of]hgf ;DalGwt ljQLo ljj/0fx?M
(1) ?=% s/f]8eGbf a9Lsf] shf{sf] xsdf kl/of]hgfsf] ;a} kIfsf] ;DefJotf cWoog ul/Psf]
lj:t[t ;DefJotf cWoog k|ltj]bg -Detail Feasibility Study Report_ .
(2) kl/of]hgfdf lgdf{0f ul/g] ef}lts ;+/rgfsf] cflwsfl/s O{lGhlgol/Ë sG;N6]G;Ln] u/]sf] nfut
cg'dfgsf] ljj/0f .
(3) kl/of]hgfsfnflu cfjZos ldn d]l;g/L, ;jf/L ;fwg, kmlg{r/ tyf cGo ;fdfg vl/b ug]{ ePdf
;f]sf] cflwsfl/s l8n/af6 lnPsf] sf]6];g .
(4) Go"gtd # cfly{s jif{sf] k|If]lkt ljQLo ljj/0fx? . [t/ ;+:yfut u|fxssf] xsdf btf{ ePsf] @
k"0f{ cfly{s jif{ gePsf] cj:yfdf sDtLdf cfufdL % cfly{s jif{sf] k|If]lkt ljQLo ljj/0fx?
.] 17
(5) ?=@) nfvdflysf] shf{sf] xsdf ljut @ cfly{s jif{sf] n]vfk/LIf0f ePsf] ljQLo ljj/0fx? .
(6) [kmd{÷ sDkgL÷ ;+:yfsf] btf{ tyf O{hfht k|df0f kqx?, g]kfn /fi6« a}+sn] tf]s] adf]lhd
cfjZostf cg';f/ s/ r'Qmf÷s/ bflvnfsf] k|df0fkq .] 18
(7) ;+:yfut shf{ u|fxssf] xsdf ;a}nfO{ / JolQmut shf{ u|fxssf] xsdf ?= [%) nfv] 19 jf
;f]eGbf a9L /sdsf] shf{ u|fxsnfO{ clgjfo{ ?kdf :yfoL n]vf gDa/ .
(8) k|aGwkq / lgodfjnL .
(9) [sDkgL /lhi6«f/ sfof{noaf6 k|dfl0ft ePsf] cBfjlws z]o/ nut / ;~rfns nut . z]o/
nut jf ;+rfns nut kl/jt{g ePdf tTsfn} cBfjlws nut k]z ug{' kg]{5 . ] 20
(10) gful/stfsf] k|df0f–kqx?sf] k|ltlnkL .
(11) kmd{÷sDkgLsf] ;~rfns ;ldltsf lg0f{ox? / clVtof/gfdf .
(12) cfo;|f]t ;DaGwL cGo sfuhftx? . [
(13) kl/of]hgfsf] k|f]k|fO6/÷;fem]bf/x?÷;+rfnsx?sf] JolQmut ljj/0f ] 21
-u_ lwtf] ;'/If0f tyf d"Nof+sg;Fu ;DalGwt sfuhftx?M
(1) lwtf] ;dLIff lg0f{o
(2) lwtf] tyf kl/of]hgf lg/LIf0f k|ltj]bg
(3) lwtf] d"Nof+sg k|ltj]bg
(4) d"Nof+sgstf{;Fusf] kqfrf/
(5) lwtf] ;DaGwL ;Dk"0f{ sfuhftx? h:t}M hUufwgL btf{ k|df0fk'hf{, lt/f] /l;b, rf}lsNnf, gSzfx?
cflb .
!%= lwtf] ;'/If0f tyf sfg"gL sfuhftx?M -!_ b]xfo adf]lhdsf lwtf] ;'/If0f tyf sfg"gL sfuhftx? / shf{sf]
ldl;n shf{ kmfF6 k|d'vn] a'lem ;'/lIft;fy /fVg' kg]{5M
(1) ;Ssn hUufwgL btf{ k|df0fk"hf{ / lt/f] lt/]sf] /;Lb
(2) ;Ssn /f]Ssf–kq / lwtf] b[li6aGws sfuhft
(3) ;Ssn td;'s / k|f]ldz/L gf]6

17 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

18 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ kmd{÷sDkgLsf] btf{ k|df0f–kq, s/–r'Qmfsf] k|df0fkq .Æ k|ltZyflkt ePsf]]
19 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ! s/f]9Æ k|ltZyflkt ePsf]]
20 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æcBfjlws z]o/ nut / ;+rfns nut .Æ k|ltZyflkt ePsf]]
21 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

10 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 (4) ;Ssn d~h"/Lgfdfx?
(5) ;Ssn JolQmut hdfgt–kq÷;+:yfut hdfgL–kq
(6) ;Ssn d'2tL /;Lb÷z]o/ k|df0f–kq÷cGo ;'/If0fkqx?
-@_ a}+sn] u|fxs;Fu u/fO{lng] td;'s, lwtf] b[li6aGws lnvt, JolQmut hdfgtkq, d~h"/Lgfdf,clVtof/gfdf
Pjd\ d'r'Nsfx? cg';"rL–@* df pNn]lvt 9fFrfdf agfO{ lng' kg]{5 .
!^= shf{ ljZn]if0f ;DaGwL Joj:yfM -!_ shf{ ljZn]if0fnfO{ shf{ rqmsf] dxTjk"0f{ txsf] ?kdf lnOg] ePsf]n]
shf{ cfj]bssf] k|:tfjcg';f/ lghnfO{ shf{ :jLs[t ug{ pko'Qm eP÷gePsf] ;DaGwdf shf{sf] zLif{s /
k|s[ltcg'?k b]xfosf cfwf/df shf{ ljZn]if0f ug{' kg]{5M
-@_ pkef]Uo shf{M pkef]Uo shf{sf nflu cfj]bg ug]{ cfj]bssf] k|:tfjnfO{ ;xL 9+un] n]vfhf]vf
ug{ b]xfosf kIfx?sf] af/]df ljZn]if0f ug'{ kg]{5M
-s_ shf{ cfj]bssf] rl/q (Character)M shf{ cfj]bssf] ;fdflhs k|lti7f, VoftL, O{Hht, OdfGbf/Ltf,
g}ltstf ;d]tsf] ;'Id?kdf hfgsf/L k|fKt ug'{ kg]{5 .
-v_ shf{ cfj]bssf] Ifdtf M shf{ cfj]bssf] ;DklQ / bfloTjsf] cj:yf Pj+ lghn] a}+ssf] shf{ /
;f]sf] Jofh ltg{ ;Sg]÷g;Sg] Ifdtfsf] :ki6 klxrfg ug'{ kg]{5 .
-u_ shf{ cfj]bssf] k'FhL M shf{ u|fxsn] k|of]u ug]{ cfˆgf] k'FhL -:jMnfut_ / a}+sn] ug]{ shf{ nufgL
cg'kftsf] ljZn]if0f ug{' kg]{5 . u|fxssf] k'FhL a9L ePdf shf{ c;"nLdf ;/n / ;xhtf x'g]5 .
-3_ shf{sf] zt{ M shf{ k|jfx ubf{ a}+sn] tf]s]sf zt{ tyf ;'ljwfx? shf{ cfj]bsn] k"/f ug'{ kg]{5 . o;
cGtu{t ;fdfGotof shf{sf] Jofhb/ tyf ;]jf z'Ns, shf{ e'QmfgLsf] cjlw / ls:tfx¿ / shf{sf]
pkof]u ;DaGwL ljljw kIfx?sf] ljZn]if0f ug{' kg]{5 .
-ª_ shf{ cfj]bsn] shf{ ;'/If0fafkt lbg] lwtf] M shf{ cfj]bsn] shf{ ;'/If0fafkt a}+snfO{ lbg] lwtf]sf]
k|s[lt / To;sf] ef}lts / sfg"gL cj:yfsf] ljZn]if0f ug{' kg]{5 . lwtf] ;lhn};Fu laqmL x'g;Sg],
d"Nojfg k|s[ltsf], ef}lts tyf ;fdflhs k"jf{wf/sf] ljsf; ePsf] If]qsf], sfg"gL xbDofb k'u]sf] /
s'g} jfbljjfb Pjd\ d'4fdfldnf gePsf] x'g' kg]{5 .
-#_ kl/of]hgfd'ns shf{M shf{ cfj]bssf] k|:tfjnfO{ ;xL 9+un] n]vfhf]vf ug{ b]xfosf kIfx?sf]
af/]df lj:t[t ljZn]if0f ug'{ kg]{5M
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?kdf kl/rfng u/L kl/of]hgfn] lnPsf] nIo xfl;n ug{ o:sf] Joj:yfksLo kIfdf hf]8 lbg' kg]{5 .
kl/of]hgfsf] pko'Qm Joj:yfkg b]xfosf] cfwf/x?df x'g] ePsf]n] pQm kIfx?sf] pko'Qm ljZn]if0f ug{' kg]{5M
-!_ lg0f{o lng] Ifdtf
-@_ ;+u7g ug]{ Ifdtf
-#_ hgzlQm Joj:yfkg ug]{ Ifdtf
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ug'{ cfjZos kg]{5 . kl/of]hgfsf] k|fljlws kIfsf] ljZn]if0f ubf{ b]xfosf kIfx?df Wofg lbg' kg]{5M
-!_ kl/of]hgf /x]sf] :yfg÷cjl:ytL
-@_ kl/of]hgfdf k|of]u x'g] k|ljlw
-#_ kl/of]hgfsf] agf]6 / cj:yf
-$_ k|fljlws hgzlQmsf] pknAwtf
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s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 11

-u_ kl/of]hgfsf] ahf/ kIfM kl/of]hgfsf] ;DefJotfsf] n]vfhf]vf ug]{ qmddf kl/of]hgfn] laqmL ug]{ j:t'
jf ;]jf / o:sf] ahf/sf] af/]df b]xfosf kIfx?sf] ljZn]if0f ug{' kg]{5M
-!_ j:t'sf] ljz]iftfM -h:t}M j:t'sf] l8hfOg, Kofs]lhË, /Ë, d"No, a|f08 gfd cflb_
-@_ nlIft ahf/M -h:t}M :yfgLo, If]qLo, /fli6«o, cGt/f{li6«o ahf/ / ahf/ ;+/rgf cflb_
-#_ ahf/sf] vl08s/0fM -h:t}M ef}uf]lns cfwf/, ;fdflhs tyf cfly{s cfwf/, hg;+Vofsf]
ljljlws/0f, dgf]j}1flgs cfwf/ cflb_
-$_ k|lt:kwL{x?sf] ljZn]if0fM -h:t}M k|lt:kwL{x?sf] klxrfg, k|lt:kwL{x?sf] cj:yf, ahf/ lx:;f,
ahf/ /0fgLlt cflb_
-%_ u|fxssf] ljZn]if0fM -h:t}M u|fxssf] klxrfg, u|fxssf] rfxfgf, u|fxs;Ddsf] kxF'r, u|fxsnfO{
cfs{if0f ug{ ;lsg] pkfo cflb_
-^_ j:t' tyf ;]jfsf] ljt/0f k|0ffnLM -h:t}M k|ToIf jf ck|ToIf_
-&_ ahf/df j:t'sf] dfu / k"lt{sf] cj:yfM
-3_ kl/of]hgfsf] ljQLo kIfM kl/of]hgfsf] ljQLo ;DefJotfsf] n]vfhf]vf ug]{ qmddf kl/of]hgfdf nfUg]]
s'n nfut, nfut Joxf]g]{ >f]t, s'n cfo, s'n vr{, rfn' tyf l:y/ k'FhLsf] cg'dfg, gfkmfhGotf,
t/ntf, shf{ r'Qmf ug{;Sg] Ifdtf h:tf kIfx?sf] /fd|f];Fu ljZn]if0f ug{' kg]{5 . o;sf] nflu u|fxsaf6
Go"gtd @ jif{sf] n]vf k/LIf0f k|ltj]bg tyf Go"gtd # jif{sf] k|If]lkt ljQLo ljj/0fx? lnO{ b]xfo
adf]lhd ljZn]if0f ug{' kg]{5 . gofF btf{ ePsf kmd{÷sDkgL÷;+:yfsf] xsdf Go"gtd % jif{sf] k|If]lkt
ljQLo ljj/0fx? lnO{ ;f]xL cg';f/ ljZn]if0f ug{' kg]{5 .

12 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 [ljQLo ljj/0f ljZn]if0f ug]{ 9fFrf tyf ljQLo ljj/0f ;DaGwL dfkb08 k|dv
' sfo{sf/L clws[taf6 tf]lsP
adf]lhd x'g]5 . ] 22

22 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd b]xfo adf]lhd Joj:yf k|ltZyflkt ePsf]] M
-c_ Financial Position of the Customer (Borrower) Rs. in '000)
S.
Capital & Liabilities
N.
1 Capital
2 Proprietor's Fund
3 Reserve & Surplus
4 Total Capital Fund (1+2+3)
5 Sundry Creditors (Payables)
6 Bank's Borrowing
7 Other Current Liabilities
8 TotalCurrentLiabilities(CL)(5+6+7)
9 Long term Liabilities
10 Total Capital & Liabilities (4+8+9)
11 Assets
12 Fixed Assets
13 Other
14 Total Fixed Assets (12+13)
15 Inventory
16 Sundry Debtors (Receivables)
17 Cash & Bank Balance
18 Other Current Assets
19 Total Current Assets (CA) (15+16+17+18)
20 Total Assets (14+19)
21 Working Capital (CA-CL) (19-8)
22 Net Worth (4)

-cf_Operation
S.
Particular/Years
N.
23 Sales/Total Revenue
24 Cost of Goods Sold (COGS)
25 Gross Profit (23-24)
26 Profit Before Interest & Tax (PBIT)
27 Interest Expenses
28 Net Profit After Tax (NPAT)
29 Liquidity Ratio
30 Current Ratio (19/8)
31 Acid Test Ratio [(16+17+18)/8]
32 Stability Ratio
33 Debt to Equity Ratio [(8+9)/22]
34 Sales to Equity Ratio (23/22)
Inventory to Working Capital
35
(15/21)
36 Profitability Ratio
37 Gross Profit to Sales (25/23)%
38 Net Profit to Sales (28/23)%
39 Net Profit to Equity (28/22)%
40 Coverage Ratio
41 Interest Coverage Ratio (26/27)
42 Debt Service Coverage Ratio (For Term Loan Only)

:ki6Ls/0fM ljQLo kIfsf] ljZn]if0f ubf{ kl/of]hgfsf] k|s[lt cg';f/ pk/f]Qm ljQLo ;"rsf+sx? km/s km/s x'g ;Sg] ePsfn] kl/of]hgf;Fu ;DalGwt Industry Average -pBf]usf]
cf};t_ ;"rsf+s;Fu t'ngf u/L ljQLo ?kdf kl/of]hgf :jLsfo{ eP÷gePsf] n]vfhf]vf ubf{ pk–bkmf # sf] v08 -3_ adf]lhdsf] tflnsfdf pNn]lvt / ljQLo ljj/0fx?
/ ;"rsf+sx?dWo] sf] t'ngfTds ?kdf l6Kk0fL ug'{ kg]{5 .
-O_ Assessment of Working Capital Requirement -rfn' k'FhLsf] cfjZostf lgwf{/0f_M rfn' k'FhLsf] cfjZostf lgwf{/0f ubf{ k|If]lkt ljQLo ljj/0fsf] cfwf/df b]xfo
adf]lhd ug{' kg]{5M
S.N. Particulars Basis Rs. in '000
a. Sales (Total Revenue) Annual
b. Cost of Goods Sold (CoGS) Annual
(CoGS/365)* Average Stock Holding
c. Inventory (Stock)
Period
(Sales/365)* Average Account
d. Debtors (Account Receivables)
Receivable Period
(CoGS/365)* Average Account Payable
e. Creditors (Account Payables)
Period
f. Total Requirement of Working Capital f = (c + d - e)
g. 80% Bank Financing g = f * 0.80
h. WorkingCapitalRequestedbyCustomer
Assumptions
Average Stock Holding Period: ..........................................Days
Average Account Receivable Period: ................................................Days
Average Account Payable Period: ................................................... Days
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ggf3\g] u/L rfn' k'FhLsf] lgwf{/0f ug{' kg]{5 . kl/of]hgfsf] k|s[lt cg';f/ o:sf] clwstd cjlw km/s kg{ ;Sg]5 . ;fy} kl/of]hgfsf] k|s[lt cg';f/ dfly tflnsfadf]lhd
rfn' k'FhL lgwf{/0f ubf{ pko'Qm gb]lvg] cj:yfdf jflif{s s'n ljqmLsf] clwstd @% k|ltzt;Dd jf laqmL sd x'g] t/ Stock w]/} ug'{kg]{ kl/of]hgfx?df k|If]lkt ljQLo
ljj/0fdf pNn]v ePsf] :6s÷df}Hbft (Stock), kfpg'kg]{ lx;fj (Trade Receivables) / ltg['{kg]{ lx;fj (Trade Payables) sf] cfwf/df sf/0f v'nfO{dfq rfn' k'FhL lgwf{/0f
ug{ ;lsg]5 .]22

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 13

 -O{_ l:y/ k'FhL shf{sf] cfjZostf lgwf{/0f -Assessment of Fixed Capital Requirement)
l:y/ k'FhL shf{tkm{sf] xsdf b]xfosf zLif{s tyf cGo zLif{sx?df u|fxsn] k]z u/]sf] cflwsfl/s sf]6]zg
d"No jf ;DalGwt If]qsf] k|fljlwsaf6 ePsf] s'n nfut cg'dfg cg';f/ ug{' kg]{5 . [7"nf ;+:yfut
shf{ u|fxsnfO{ kl/of]hgfsf] :yfkgf / ljsf;÷lj:tf/sf] nflu cfjZos kg]{ hUuf vl/b u/]sf] jf vl/b
ug]{ hUufsf] k/n d"No kl/of]hgfsf] s"n nfutdf ;dfj]z u/L cfjlws -l:y/_ k'FhL k|s[ltsf] shf{
k|jfx ug{ ;lsg]5 . hUufsf] d"Nof+sg ubf{ k|rlnt ahf/ d"NonfO{ ;d]t Wofg lbg' kg]{5 . 3/, ejg, ;]8,
sf/vfgf, 6x/f cflbsf] lgdf{0f÷yk ug{'kg]{ ePdf To:tf] ;+/rgf lgdf{0f÷yk ug{sf] nflu cfjZostf
cg';f/ ;DalGwt :yfgLo lgsfoaf6 lgdf{0f x'g] ;+/rgfsf] gSzf kf; u/fO{ lgdf{0fsf] nflu Ohfht ;d]t
lnPsf] x'g' kg]{5 .] 23

ljj/0f OsfO{ kl/df0f b/ hDdf ?= :jnfut ?= shf{ ?=

3/÷ejg j=lkm=
;]8÷sf/vfgf÷6x/f j=lkm=
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cGo
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tyf l:y/ k'FhLsf] lgwf{/0f ug{ ;lsg]5 jf ;DalGwt If]qsf] k|fljlwsaf6 s'n nfut O{li6d]6 u/fO{
;f]sf] cfwf/df ;d]t rfn' k'FhL tyf l:y/ k'FhLsf] lgwf{/0f ug{ ;lsg]5 . :jnfut / a}+s shf{ nufgL
cg'kftsf] ;DaGwdf ;DalGwt shf{sf] k|f]8S6 k]k/df pNn]v eP adf]lhd x'g]5 .
-v_ ?=% s/f]8eGbf dflysf shf{sf] xsdf b]xfosf ;Dk"0f{ kIfx? ;dfj]z ePsf] kl/of]hgfsf] lj:t[t
;DefJotf cWoog k|ltj]bg -Detail Feasibility Study Report_ ;d]t lnO{ ;f]sf] cfwf/df lj:t[t?kdf
Credit Appraisal ug{' kg]{5 .
-!_ kl/of]hgfsf] ;+lIfKt ;f/f+z
-@_ ;+:yfut p4]Zo, Joj;flos of]hgf / /0fgLltx?
-#_ kl/of]hgfsf] ljBdfg cj:yf
-$_ kl/of]hgfsf] efjL of]hgf
-%_ kl/of]hgfsf] SWOT ljZn]if0f
-^_ kl/of]hgfsf] ;DefJotfsf kIfx?
-s_ kl/of]hgfsf] Joj:yfkg kIf
-v_ kl/of]hgfsf] k|fljlws kIf
-u_ kl/of]hgfsf] ahf/ kIf
-3_ kl/of]hgfsf] ljQLo kIf
-ª_ kl/of]hgfsf] cfly{s tyf ;fdflhs kIf
-r_ kl/of]hgfsf] jftfj/0fLo kIf
-5_ kl/of]hgfsf] sfg"gL kIf
23 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
14 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 -h_ ;'/If0f kIf
[-p_ kl/of]hgfdf /x]sf] l:y/ ;DklQsf] cfwf/df shf{ nufgL ubf{ ckgfpg' kg]{ k|lqmof jf ljlw ;DaGwdfM
-s_ kl/of]hgfdf /x]sf l:y/ ;DklQsf] (Cost Value–Depreciation) sf] clwstd *) k|ltzt;Dd
shf{ k|jfx ug{ ;lsg]5 .
-v_ kl/of]hgfdf /x]sf l:y/ ;DklQsf] sfg"gL k|fjwfg k"/f ePsf] x'g' kg]{5 . h:t}M
3/÷ejg÷kl/of]hgf÷;]8sf] gS;f kf;, lgdf{0f ;DkGg k|df0f kq, cflwsfl/s lan, VAT lan,
k|1fkgkq ;DaGwL sfuhft cflb .
-u_ l:y/ ;DklQsf] >f]t cGo a}+s tyf ljQLo ;+:yf jf nufgLstf{af6 lnPsf] shf{ jf ;fk6L -Investor's
loan) x'g' kg]{5 . nufgLstf{af6 shf{ jf ;fk6L lnPsf] 5 eg] C0fL;Fu a}+sn] cg';"rL @* adf]lhd
Loan Subordination Agreement u/]sf] x'g' kg]{5 .
-3_ cGo a}+s tyf ljQLo ;+:yfaf6 shf{ lnPsf] ePdf Customer Liability Report (CLR) ;d]t lng' kg]{5 .
-ª_ n]vf k/LIf0f k|ltj]bgdf ;DklQsf] n]vf+sg eP cg';f/ kl/of]hgfdf /x]sf] l:y/ ;DklQx?sf] ljn
ljhs ;DalGwt u|fxsn] k]z ug{' kg]{5 .
-r_ a}+saf6 shf{ nufgL x'g] ;DklQ Joj;fosf] cfo cfh{gdf k|of]u x'g' kg]{5 .
-5_ shf{sf] e'QmfgL cjlw ;DalGwt shf{sf] k|f]8S6 k]k/df pNn]v eP adf]lhd x'g]5 . ] 24
-ª_ kl/of]hgfsf] cfly{s tyf ;fdflhs kIfM kl/of]hgf:yn /x]sf] If]q j/k/ kl/of]hgfn] kfg]{ ;sf/fTds
Pj+ gsf/fTds k|efjsf] jf/]df ljZn]if0f ug'{ kg]{5 . kl/of]hgfn] ;d'bfodf gsf/fTds c;/ kfg]{ ePdf
kl/of]hgf lgjf{w ?kdf ;+rfng x'g g;Sg] ePsf]n] o; kIfsf] ljZn]if0f ubf{ b]xfosf kIfx?df Wofg
lbg' kg]{5M
-!_ kl/of]hgf:yn cf;kf;sf] ;d'bfo, hfthftL, wd{
-@_ kl/of]hgfk|lt :yfgLo ;d'bfosf] b[li6sf]0f / :jLsfo{tf
-#_ kl/of]hgfn] ;dfhdf kfg]{ k|efj
-$_ :yfgLo:t/df /f]huf/Lsf] cj;/ l;h{gf ug{;Sg] ;Defjgf
-%_ :yfgLo:t/df ef}lts tyf ;fdflhs k"jf{wf/sf] ljsf;sf] ;Defjgf
-r_ kl/of]hgfsf] jftfj/0fLo kIfM kl/of]hgfn] jftfj/0fdf kfg{;Sg] k|efjsf] d"Nof+sg ug'{ kg]{5 . o;
kIfsf] ljZn]if0f ubf{ b]xfosf kIfx?sf] af/]df Wofg lbg' kg]{5M
-!_ jfo' k|b'if0f, WjgL k|b'if0f / hn k|b'if0fsf] cj:yf
-@_ jfo' k|b'if0f, WjgL k|b'if0f / hn k|b'if0fsf] Go"gLs/0fsf pkfox?
-#_ kl/of]hgfaf6 lg:sg] kmf]xf]/d}nfsf] plrt Joj:yfkg
-$_ shf{ /sd / ;DalGwt lgsfon] tf]s] adf]lhd kl/of]hgfsf] k|s[ltsf] cfwf/df jftfj/0fLo
kIfsf] k/LIf0f jf d"Nof+sg eP÷gePsf] .
[-%_ kl/of]hgfsf] kof{j/0fLo tyf ;fdflhs kIfsf] ljZn]if0f u/]/ dfq shf{ k|jfx ug]{ ;DaGwdf .
-s_ shf{ nufgL ug'{ k"j{ kl/of]hgf÷ pBf]usf] :yfkgf ug{sf] nflu O{hfht÷cg'dlt÷:jLs[lt lng
k|f/lDes jftfj/0fLo k/LIf0f -Initial Environmental Examination, IEE) / jftfj/0fLo k|efj
d"Nof+sg -Environmental Impact Assessment, EIA) cfjZos kg]{ kl/of]hgf÷pBf]usf] xsdf
;DalGwt lgsfoaf6 ;f] k|ltj]bg :jLs[t ePsf] cfwf/df tyf k|f/lDes jftfj/0fLo
k/LIf0f/jftfj/0fLo k|efj d"Nof+sg cfjZos gx'g] kl/of]hgf÷pBf]usf] xsdf cfkm}n] shf{
nufgL ug'{ k"j{ kof{j/0fLo k|efjsf] ljZn]if0f u/L shf{ k|jfx ug'{ kg]{5 .
-v_ o; ;DaGwdf jftfj/0f ;+/If0f P]g, @)&^, jftfj/0f ;+/If0f lgodfjnL, @)&^, >d P]g,
@)&$ tyf cGo k|rlnt sfg'gdf ePsf Joj:yfsf ;fy} g]kfn /fi6« a}+saf6 hf/L a}+s tyf
ljQLo ;+:yfx?sf] nflu hf/L ePsf] jftfj/0fLo tyf ;fdflhs hf]lvd Joj:yfkg ;DaGwL
dfu{bz{g @)!* -Guideline on Environmental & Social Risk Management (ESRM) For
24 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 15
 Banks and Financial Institution, 2018_ sf] kfngf x'g] u/L / o; ;DaGwL a}+ssf] k|rlnt
gLlt÷lgb]{lzsf adf]lhd jftfj/0f tyf ;fdflhs hf]lvd ;d]tsf] ljZn]if0f ug{' kg]{5 . ] 25
-5_ kl/of]hgfsf] sfg"gL kIfM kl/of]hgf ;+rfngsf] nflu cfjZos sfg"gL /Lt k'u] gk'u]sf] af/]df b]xfo
adf]lhd n]vfhf]vf x'g' kg]{5M
-!_ g]kfn ;/sf/sf] ;DalGwt lgsfodf btf{ eP÷gePsf] .
-@_ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 Joj;fo ;+rfng ug]{ O{hfhtkq lnP÷glnPsf] .
-#_ lnP÷glnPsf] .
-$_ jflif{s ?kdf s/ r'Qmf u/]÷gu/]sf]
-%_ kmd{ btf{ Pj+ Ohfhtkq gjLs/0f eP÷gePsf] .
-^_ btf{ tyf Ohfhtkqdf Joj:yf ePcg';f/sf] kl/of]hgf ;+rfng eP÷gePsf] .
-&_ shf{ cfj]bs -JolQm, kmd{÷;+:yf÷sDkgL_ tyf ltgsf k|f]k|fO6/÷;fem]bf/÷;+rfnsx?
sfnf];"rLdf /x]÷g/x]sf] .
-h_ ;'/If0f kIfM shf{ cfj]bsn] shf{ ;'/If0fafkt a}+snfO{ lbg] lwtf]sf] ;DaGwdf b]xfosf kIfx?sf]
ljZn]if0f ug{' kg]{5M
-!_ lwtf]sf] k|s[lt, kl/df0f / cj:yf .
-@_ lwtf] laqmL of]Uo eP÷gePsf] .
-#_ d"Nojfg k|s[ltsf] eP÷gePsf] .
-$_ lwtf] ePsf] If]q ef}lts tyf ;fdflhs k"jf{wf/sf] ljsf; ePsf] If]qsf] eP÷gePsf] .
-%_ lwtf] lbg kfl/jfl/s ;xdlt eP÷gePsf] .
-^_ s'g} jfbljjfb Pj+ d'4fdfldnf eP÷gePsf] .
-&_ sfg"gL ?kdf lwtf] :jLsf/ of]Uo eP÷gePsf] .
-*_ lwtf] a}+snfO{ :jLsf/of]Uo eP÷gePsf] .
!&= kl/of]hgfsf] ;an jf b'a{n / cj;/ jf r'gf}tLx?sf] ljZn]if0f (SWOT Analysis): kl/of]hgfsf] ;an
jf b'a{n tyf cj;/ jf r'gf}tLx?sf] ljZn]if0f ubf{ b]xfo adf]lhdsf] k|lqmof cjnDag ug{' kg]{5M
-s_ kl/of]hgfsf] cfGtl/s jftfj/0fnfO{ k|efj kfg]{ tTjx? ;jn jf b'j{n kIf cGtu{t / jfXo jftfj/0fnfO{
k|efj kfg]{ tTjx? cj;/ jf r'gf}tL cGtu{t /xg] x'Fbf s'g} klg kl/of]hgfsf] ;jn jf b'j{n / cj;/
jf r'gf}ltx?sf] n]vfhf]vf÷ljZn]if0f u/]/dfq shf{ nufgL ug]{÷gug]{ ljifodf lg0f{o lng' kg]{5 .
-v_ ;jn / b'j{n kIfsf] ljZn]if0f ubf{ ;d]l6g' kg]{ kIfx? cGtu{t j:t'÷;]jfx?, ahf/ / ahf/ Joj:yf,
cfk"lt{ / pknAwtf, ;/;'ljwfx?, ;]jf lbg] k|0ffnLx?, ;+u7gfTds ;+/rgf, hgzlQm, ljQLo l:ylt
cflb kb{5g\ . To;}u/L cj;/ / r'gf}tL ljZn]if0f ubf{ ;d]l6g' kg]{ kIfx? cGtu{t /fhgLlts kl/jt{g,
cfly{s kl/jt{g, ;fdflhs kl/jt{g, k|fljlws kl/jt{g, If]qut kl/jt{g cflb kb{5g\ . shf{ nufgL ug{'
k"j{ kl/of]hgfsf] nIo k|flKtdf c;/ kfg]{ dxTjk"0f{ cfGtl/s / jfXo sf/s tTjx?sf] pko'Qm tl/sfn]
n]vfhf]vf ug{' kg]{5 .
-u_ kl/of]hgfsf] ;jn jf b'j{n / cj;/ jf r'gf}ltx?sf] klxrfg / ljZn]if0f ubf{ ;fdfGotof b]xfo
adf]lhdsf tTjx?nfO{ pbfx/0fsf] ?kdf lng' kg]{5M
-c_ ;an kIfsf pbfx/0fx?M
(1) gofF j:t' jf ;]jf x'g'
(2) nf]slk|o a|f08 /xg'
(3) Go"g nfutsf] pTkfbg x'g'
(4) pko'Qm Joj;flos :yfg x'g'
(5) ahf/sf] Psflwsf/

25 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

16 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 (6) u'0f÷;]jfsf] nflu /fd|f] k|lti7f
(7) ;kmn Joj:yfks ;d"x
(8) la1 k|fljlws tyf ljlzi7 ahf/ ljz]if1tf
(9) bIf tyf tflndk|fKt hgzlQm
(10) sd{rf/L dhb'/;Fu c;n ;DaGw
(11) u|fxsx?;Fusf] lb3{sflng ;'–;DaGw
(12) ;fwg >f]tdf Psnf}6L kx'Fr x'g'
(13) ;jn ljqmL ljt/0f ;~hfn x'g'
-cf_ b'a{n kIfsf pbfx/0fx?M
(1) j:t' / ;]jfx? k|lt:kwL{x?sf] h:t} x'g'
(2) k|ljwLd}qL kl/of]hgf gx'g'
(3) ahf/ ljz]if1tf gx'g'
(4) Joj;flos :yfg pko'Qm gx'g'
(5) cg'ejlxg Joj:yfks ;d"x /xg'
(6) l;ldt u|fxsx? x'g'
(7) k|lti7fdf cf3ft kg{'÷/fd|f] VoftL gx'g'
(8) pRr nfutsf] pTkfbg x'g'
(9) sd{rf/L;Fusf] ;DaGw /fd|f] gx'g'
(10) cbIf hgzlQmsf] afx'Notf /xg'
(11) ;fwg >f]tdf pko'Qm kx'Fr gx'g'
(12) ljqmL ljt/0f ;~hfn sdhf]/ x'g'
(13) lgDg:t/sf] Joj;flos tf}/tl/sf x'g'
-O_ cj;/sf pbfx/0fx?M
(1) a9\bf] ahf/ lj:tf/
(2) ;Ifd k|lt:kwL{sf] cefj
(3) gofF k|ljlwx?sf] pknAwtf
(4) lgof{tsf] nflu gofF ahf/
(5) cfly{s cj:yfdf ;'wf/ x'g'
(6) ;/sf/L lgodx? v's'nf] x'b} hfg'
(7) Jofkfl/s cj/f]wx? x6\b} hfg'
(8) s/sf b/x? 36\b} hfg'
(9) d"No tyf z'Nsx? 36b} hfg'
(10) sDkgL ufle'g, ;+o'Qm nufgLsf sDkgLdf kl/0ft x'g' tyf /0fgLlts u7aGwgx? a9\b} hfg'
(11) pkef]Qmfsf] dfu k"lt{ ug]{ df}sf k|fKt ug'{
-O{_ r'gf}ltsf pbfx/0fx?M
(1) 36\bf] ahf/
(2) gofF / ;Ifd k|lt:kwL{x?sf] k|j]z
(3) k|lt:kwL{x?sf] /fd|f] pTkfbg÷;/n ljt/0f k|0ffnL ljBdfg /xg'
(4) k|lt:kwL{x?;Fu /fd|f] k|ljlw ljBdfg /xg'
(5) lgof{t ahf/ u'Db} hfg'
(6) cfly{s dGbL / g}/fZotfsf] l:ylt /xg'
(7) a9\bf] ;/sf/L lgoGq0f÷;/sf/L gLlt lgoddf s8fO{
(8) gofF lgodgx? nfu" x'g'

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 17

 (9) s/sf b/x? a9\b} hfg'÷gofF s/sf b/x? nfu" x'g'
(10) d"No tyf z'Nsx? a9\b} hfg'
(11) k|lt:kwL{;Fu d"No o'4
(12) pkef]Qmfsf] rfxgfdf kl/jt{g x'g'
!*= hf]lvd ljZn]if0fM -!_ a}+lsË ;]jfx? k|bfg ug]{ ;Gbe{df ljleGg k|sf/sf ljQLo hf]lvdx?sf] cfFsng u/L
;f]sf] Go"gLs/0fsf pkfox? cjnDjg ug'{ kg]{5 . a}+lsË If]qdf x'g] shf{ nufgL, ;+rfng, ahf/, ljb]zL d'b|f
ljlgdo, t/ntf, Jofhb/ tyf sfg"g ;DaGwL ;DefJo hf]lvdx?sf] klxrfg, lgoGq0f / Joj:yfkgtkm{ a}+s
;b}j rgfvf] /xg' kg]{5 .
-@_ shf{ u|fxsn] k|ltj4tf hgfPsf] shf{ ljleGg sf/0fjz ltg{ c;dy{ ePdf jf hfgL hfgL
shf{ gltg]{ k|j[lQsf sf/0f shf{ rqmleqsf] ljleGg r/0fx?df shf{ hf]lvd l;h{gf x'g;Sg] ePsfn] b]xfo
adf]lhdsf] pkfox? cjnDag u/L shf{ hf]lvdsf] ljZn]if0f tyf Go"gLs/0f ug{ ;lsg]5M
-s_ shf{ hf]lvd ljZn]if0f ubf{ b]xfo adf]lhdsf] tTjnfO{ cfwf/ lng ;lsg]5M
-c_ pBf]utkm{sf] tTjx?M
(1) cfly{s lu/fj6 .
(2) ljlqmdf 36a9 .
(3) dfudf cl:y/tf .
(4) pTkflbt j:t'sf] ck|rng .
(5) j}slNks pTkfbg ePsf] .
(6) sRrfkbfy{sf] cfoftdf k/lge{/tf .
(7) k|lt:kwf{Tds ahf/ .
(8) jftfj/0fLo hf]lvd .
(9) /fhg}lts hf]lvd .
(10) ;/sf/L lgod .
(11) d"Nodf kl/jt{g .
(12) k|ljwLdf kl/jt{g .
(13) gofF k|lt:kwL{sf] k|j]z .
-cf_ kl/of]hgftkm{sf] tTjx?M
(1) k|lt:kwf{af6 nfe lng g;Sg' .
(2) :ki6 Joj;flos of]hgfsf] cefj .
(3) d'Vo u|fxsx? u'dfpg'÷6f6 klN6g' .
(4) d'Vo ;Knfo;{x? u'dfpg'÷a}slNks >f]t gx'g' .
(5) ;Knfo/sf] lalqmsf] zt{x? kl/j{tg e}/xg' .
(6) sRrfkbfy{sf] nfutdf d"No a[l4 .
(7) bIf hgzlQmsf] cefj .
(8) >d ljjfb .
(9) b}jL k|sf]k -cfunfuL, rf]/L, e'O{rfnf], af9L cflb_ .
(10) hfn;femL÷d'4f dfldnf kg'{ .
(11) gfzjfg j:t'x?sf] pTkfbg x'g' .
(12) cBfjlws pks/0fx?sf] k|of]u gx'g' .
(13) dflnsx?aLrdf cfk;L ljjfb x'g' .
(14) :jfldTj÷Joj:yfkgdf kl/jt{g x'g' .
(15) sdhf]/ Joj:yfkg x'g' .
(16) Joj:yfkg Ps JolQmdf lge{/ /xg'÷pQ/flwsf/L of]hgf gx'g' .

18 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 (17) kl/jlt{t
ahf/;Fu ;dfof]hg x'g g;Sg' .
-O_ ljQLo tTjx?M
(1) shf{ r'Qmfsf] nflu ckof{Kt gub k|jfx .
(2) clws shf{ef/ .
(3) ckof{Kt nufgL .
(4) Jofh b/df a[l4 .
(5) cGo shf{÷bfloTj jxg ug{ g;Sg' .
(6) cGo nufgLstf{x?af6 ul/Psf] sfg"gL sf/afxL .
(7) ljb]zL ljlgdo hf]lvd .
(8) 36\bf] laqmL .
(9) a]rNtLsf] :6s ;fdfg .
(10) nfutdf a[l4 .
(11) ;dodf sfd ;DkGg gx'g' .
(12) k'FhL cGoq k|of]u x'g' .
(13) ;DklQsf] x:tfGt/0f .
(14) agfa6L ljQLo ljj/0f .
(15) cToflws /sd lemSg'÷nfef+z .
(16) kfpg'kg]{ /sd ;dodf k|fKt gx'g' .
-O{_ ;'/If0ftkm{sf] tTjx?M
(1) d"No 36\g' .
(2) unt d"Nof+sg .
(3) ;'/If0fx?sf] cl:tTj g/xg' .
(4) ;'/If0f ;DaGwL sfuhftx? k"0f{ gx'g' .
(5) ;'/If0f ;DaGwL sfuhftx? ;'/lIft gx'g' .
(6) em}emu8f÷d'4fdfldnf x'g' .
-v_ shf{ hf]lvd Go"gLs/0fsf] ;DaGwdf b]xfo adf]lhdsf ljlwx? cjnDjg ug{ ;lsg]5M
-c_ u|fxsn] hf]lvd Go"gLs/0f ug]{ ljlwM
(1) pTkfbgdf ljljwLs/0f ug]{ .
(2) l56f] 5l/tf] ;]jf k|jfx ug]{ .
(3) pko'Qm Joj;flos of]hgf agfpg] .
(4) l;ldt u|fxsdf s]Gb|Ls[t gx'g] .
(5) ahf/ ljljwLs/0f .
(6) cfk"lt{sf] ljljw >f]tx?sf] ljsf; ug]{ .
(7) cfk"lt{stf{÷u|fxs÷sfdbf/x?;Fu ;'–;DaGw sfod ug]{ .
(8) aLdf -lwtf], kl/of]hgf / dfn;fdfg_ .
(9) cBfjlws pTkfbg pks/0fx?sf] k|of]u ug]{ .
(10) e/kbf]{ Joj:yfkg ;d"xsf] u7g ug]{ .
(11) cfly{s cj:yfsf] cg'udg ug]{ .
(12) Joj;fodf kof{Kt nufgL ug]{ .
(13) ljb]zL ljlgdo sf/f]jf/df clu|d ;Demf}tf ug]{ .
(14) l:y/ d"No ;Demf}tfx? ug]{ .
(15) u|fxs;Fu a}+s hdfgt lng] .
(16) :6ssf] lgoldttfdf hf]8 lbg] .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 19

 -cf_ a}+sn] hf]lvd Go"gLs/0f ug]{ ljlwM
(1) nlIft u|fxsx?;Fu sf/f]af/ ug]{ .
(2) ;du| pBf]usf] cj:yf ;"rsf+ssf] cg'udg ug]{ .
(3) u|fxssf] Joj;flos sfo{ of]hgfsf] ljZn]if0f / k'g/fjnf]sg .
(4) cjlwcg';f/sf] cf;fdL vftfsf] k'g/fjnf]sg .
(5) cjlwcg';f/sf] e'QmfgL lbg'kg]{ vftfsf] k'g/fjnf]sg .
(6) a}+ssf] kIfdf lwtf], kl/of]hgf / dfn;fdfgsf] aLdf eP÷gePsf] cg'udg ug]{ .
(7) u|fxs ;DaGw Joj:yfkgdf hf]8 lbg] .
(8) cfjZostfg';f/ hf]lvd >]0fLs/0fsf] k'g/fjnf]sg ug]{ .
(9) n]vfk/LIf0f ePsf] ljQLo ljj/0fdf hf]8 lbg] .
(10) cfjZostfg';f/ sfg"gL sf/jfxL cuf8L a9fpg] .
(11) ;d:ofd'ns shf{x?nfO{ k|efjsf/L 9+un] Joj:yfkg ug]{ .
(12) ;"rLs[t lwtf] d"Nof+sgstf{af6 ;'/If0fsf] d"Nof+sg ug]{ -cfjZostfcg';f/
k'g/d"Nof+sg ug]{_ .
(13) ;'/If0f ;DaGwL sfuhft ;'/lIft :yfgdf /fVg] .
(14) zt{ tyf cj:yfx?sf] sfuhft tof/ u/L ;'ljwf kq -Offer Letter_ df pNn]v ug]{ .
(15) kl/of]hgfsf] lgoldt ?kdf cg'udg ug]{ .
!(= aLdf ;DaGwL Joj:yfM -!_ u|fxssf] sfa' aflx/sf sf/0fx?af6 pTkGg x'g] hf]lvd Cover ug{ aLdf ug{'
kg]{5 .
-@_ pk–bkmf -!_ adf]lhd aLdf ubf{ a}+s a]lglkm;o/L x'g] u/L b]xfosf ljifox?df Wofg lbg' kg]{5M
-s_ lwtf] lnOPsf] 3/÷ejgsf] s'n d"Nosf] aLdf u/fpg' kg]{5 .
-v_ [rfn' k'FhL shf{ k|bfg ubf{ ;a} dfn;fdfg -:6s_ sf] s"n d"Nosf] !!) k|ltztn] x'g] /sdsf] a}+s
a]lglkml;o/L x'g] u/L aLdf u/fpg' kg]{5 . t/ aLdf cfjZos gePsf :6s -df}Hbft_ x? h:t}M Iron
Rod, Steel Billets, Bricks, Clinker cflbx?df cfunfuL, x'nb+uf, e"sDk h:tf hf]lvdsf nflu aLdf
ug{ clgjfo{ x'g] 5}g . kfl/kf;' u/L shf{ k|jfx ePsf] cj:yfdf ;DalGwt a}+s tyf ljQLo ;+:yf ;+o'Qm
a]lglkml;o/L x'g] Joj:yf ug'{ kg]{5 .] 26
-u_ rfn' k'FhL k|s[ltsf shf{ k|jfx ubf{ u|fxsn] sfod ug{' kg]{ Go"gtd dfn;fdfg -:6s_ sf] s"n d"Nosf]
!!) k|ltztn] x'g] /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf u/fpg' kg]{5 .
-3_ l:y/ k'FhL cGtu{tsf shf{x?df kl/of]hgf ;]8, dLn–d]lzg/L, pks/0f / ejgx?sf] s'n d"Nosf] aLdf
u/fpg' kg]{5 .
-ª_ xfo/ kr]{h jf c6f] shf{ cGtu{t nufgL ePsf ;jf/L ;fwgx?sf] k|s[lt cg';f/ hf]lvd x'g]u/L vl/b
d"Nosf] a}+s a]lglkm;o/L x'g] u/L aLdf ug'{ kg]{5 .
-r_ kl/of]hgf shf{sf] xsdf yk l;h{gf x'Fb} hfg] yk ;DklQx?sf] ;d]t aLdf Cover x'g] u/L aLdf u/fpg'
kg]{5 .
-5_ aLdf u/fpFbf aLdf ul/g] ;fdfgsf] k|s[ltcg';f/ l;h{gf x'g;Sg] ;DefJo ;a} hf]lvdx? Cover u/fpg'
kg]{5 . k|s[ltcg';f/ hf]lvd Cover u/fpFbf cfjZostfg';f/ Theft, House Breaking, Burglary, Fire,
Riot, Strike, Civil Commotion, Terrorism, Earth Quake, Flood and Erosion, Malacious Damage
cflb aLdf kf]ln;Ldf Cover x'g' kg]{5 .
-h_ a}+ssf] nufgLdf /x]sf ;fdfgx? df /x]sf] ePdf uf]bfd÷sf/vfgf;Dd cfOk'Ug] cjlwsf nflu
Transit aLdf u/fO{ ;f]sf] aLdf kf]ln;L k|fKt ug'{ kg]{5 .
-em_ ;a} aLdf kf]ln;Lx? a}+ssf] gfddf Endorsement -b/lk7_ ePsf] x'g' kg]{5 .
26;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ rfn' k'FhL k|s[ltsf shf{ k|jfx ubf{ u|fxsn] sfod ug{'kg]{ Go"gtd dfn;fdfg -:6s_ sf]
s'n d"Nosf] !!) k|ltztn] x'g] /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf u/fpg' kg]{5 .Æ k|ltZyflkt ePsf]
20 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 -`_ aLdf k|f/De x'g' cufj} aLdf z'Ns e'QmfgL e};s]sf] x'g' kg]{5 .
-6_ aLdf kf]ln;L ;dod} gjLs/0f u/L aLdf lk|ldod ltg]{ bfloTj ;DalGwt u|fxssf] x'g]5 t/ u|fxsn]
;dod} aLdf gjLs/0f gu/]df lghsf] rNtL÷shf{ vftf vr{ n]vL a}+sn] g} aLdf gjLs/0f ug'{ kg]{5 .
;f] /sd cljnDj c;"npk/ ug'{ kg]{5 .
-7_ [aLdf ;DaGwL cGo Joj:yf g]kfn /fi6« a}+sn] ;do ;dodf tf]s] adf]lhd x'g]5 . ] 27
@)= ;fv ;"rgf ;DaGwL Joj:yfM -!_ shf{ k|lqmofdf u|fxssf] ljifodf hfgsf/L lng shf{ :jLs[t jf
gjLs/0f jf yk jf k'g/tflnsLs/0f÷k'g/;+/rgf ug{' k"j{ clgjfo{ ?kdf shf{ u|fxs / ;DalGwt kIfsf]
;fv ;"rgf lng' kg]{5 . [t/ ;'grfFbL lwtf] shf{, d'2tL /l;b lwtf] shf{, ;/sf/L ;'/If0fkq lwtf] shf{ /
?=@ nfv;Ddsf] qm]l86 sf8{ -Credit Card_ ;'ljwfsf] xsdf eg] of] Joj:yf nfu" x'g] 5}g .] 28
-@_ shf{ ;"rgf s]Gb|af6 JolQmut shf{sf] xsdf JolQmsf], k|f]k|fO6/zLk kmd{sf] xsdf k|f]k|fO6/ / kmd{sf],
;fem]bf/L kmd{sf] xsdf kmd{ / ;a} ;fem]bf/x?sf] tyf sDkgLsf] xsdf sDkgL / o;sf ;a} ;+rfnsx?sf] ;fv
;"rgf lng' kg]{5 . o;sf;fy} ;a} k|s[ltsf] shf{df pQm shf{ lnbf lwtf] d~h"/Lgfdf lbg] / JolQmut hdfgt
lbg] JolQm÷;+:yf / ;+:yfsf ;a} ;+rfnsx?sf];d]t ;fv ;"rgf lng' kg]{5 . a}+ssf x/]s shf{ u|fxsx?af6
cg';"rL #=! adf]lhdsf] ax'–a}+lsË shf{ sf/f]jf/ ljj/0fsf] :j3f]if0ff;d]t lng' kg]{5 . [pQm :j3f]if0ff
cg';f/sf] ljj/0f shf{ ;"rgf s]Gb| lnld6]8af6 k|fKt ljj/0f;Fu le8fO{ u|fxsn] lnPsf] shf{ /sd olsg ug'{ kg]{5 .
] 29s'g} lgsfoaf6 ;fv ;"rgf dfu eO{ cfPdf a}+s lgodfg';f/sf] z'Ns lnO{ cg';"rL #=$ adf]lhd ;fv
;"rgf ;d]t pknAw u/fpg' kg]{5 .
-#_ [u|fxssf] ;fv ;"rgf dfu ubf{ cfjZos ljj/0f z'4;Fu k|ljli6 u/L shf{ ;"rgf s]Gb|af6 ;fv
;"rgf lng' kg]{5 . k|fKt ;fv ;"rgfdf u|fxssf] cGo s'g} a}+s jf ljQLo ;+:yfdf /x]sf] shf{ lgliqmo ju{df
/x]sf] b]lvPdf cg';"rL #=# adf]lhd ;DalGwt a}+s tyf ljQLo ;+:yf;Fu shf{÷;'ljwfsf] ;DaGwdf
lj:t[t ljj/0f dfu ug'{ kg]{5 . ] 30 shf{ ;"rgf s]Gb|af6 lng'kg]{ ;fv ;"rgfsf] ;DaGwdf g]kfn /fi6« a}+sn]
;do ;dodf lbPsf] lgb]{zg adf]lhd x'g]5 . ;fv ;"rgfsf] z'Ns a}+sn] ;do;dodf tf]s]cg';f/ x'g]5 .
[…] 31
-%_ cfˆgf] a}+s;Fu ;DalGwt u|fxssf af/]df kqklqsf jf cGo s'g} ;+rf/ dfWoddfk{mt\
Defaulter/Blacklisted df /x]sf] hfgsf/L x'g cfPdf tTsfn} pk/f]Qm k|s[of adf]lhd lgh u|fxssf] shf{
;"rgf s]Gb|af6 ;fv ;"rgf dfu ug'{ kg]{5 .
[…] 32
-&_ [a}+ssf] shf{ ;"rgf OsfOn] a}+sn] :jLs[t u/]sf] shf{÷;'ljwfsf] ljj/0f shf{ k|jfx u/]sf] &
lbgleq / () lbgeGbf a9Ln] efvf gf3]sf] shf{÷;'ljwfsf] ljj/0f dlxgf e'Qmfg ePsf] !% lbgleq shf{
;"rgf s]Gb|df k7fpg' kg]{5 . ] 33 o;/L k7fPsf] ljj/0fdf kl5 s'g} kl/jt{g ePdf jf shf{ r'Qmf ePdf,
27 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ k|fylds If]q shf{sf] aLdfsf] ;Gbe{df ;fljs adf]lhd g} shf{ ;'/If0f lgud;Fu
lgodfg';f/sf] ;'/If0f b:t'/ k7fO{ aLdf Cover u/fPsf] x'g' kg]{5 .Æ k|ltZyflkt ePsf]
28 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
29 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
30 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ ?=!) nfv jf ;f]eGbf dflysf shf{ jf ;'ljwf k|of]u ug]{ k|fs[lts JolQm tyf
kmd{÷;fem]bf/L kmd{÷;+:yf÷sDkgLsf] xsdf cg';"rL #=@ adf]lhdsf] kmf/fd k"0f{ / z'4;Fu e/L shf{ ;"rgf s]Gb|af6 ;fv ;"rgf lng' kg]{5 . k|fKt ;fv
;"rgfdf u|fxssf] cGo s'g} a}+s jf ljQLo ;+:yfdf shf{÷;'ljwf sf/f]af/ /x]sf] b]lvPdf cg';"rL #=# adf]lhd ;DalGwt a}+s tyf ljQLo ;+:yf;Fu
shf{÷;'ljwfsf] ;DaGwdf lj:t[t ljj/0f dfu ug{' kg]{5 . Æ k|ltZyflkt ePsf]
31 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ -$_ ?=!) nfveGbf sd /sdsf] shf{ jf ;'ljwf sf/f]af/ ug]{ u|fxsx?sf] xsdf :yfgLo
a}+s jf ljQLo ;+:yfx?;Fu cg';"rL #=% adf]lhd ;fv ;"rgf lng' kg]{5 . Æ x6fOPsf]
32 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ -^_ cGo a}+s jf ljQLo ;+:yfdf efvf g3fPsf jf sfnf];"rLdf kl//x]sf u|fxsx?;Fu
shf{ jf ;'ljwf sf/f]af/ ug{ / ;fljssf] shf{ gjLs/0f ug{ ;d]t aGb]h nufpg' kg]{5 . Æ x6fOPsf]
33 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ sfof{non] cfkm"n] :jLs[t u/]sf] ?=!) nfv ?k}ofF jf ;f]eGbf a9Lsf] shf{÷;'ljwf / ()
lbgeGbf a9Ln] efvf gf3]sf ?=!) nfv ?k}ofF jf ;f]eGbf a9Lsf] shf{÷;'ljwfsf] ljj/0f -shf{ ;"rgf kmf/fd g+= ! / @_ dlxgf e'Qmfg ePsf] !% lbgleq
shf{ ljefusf] shf{ ;"rgf OsfO{df k7fpg' kg]{5 . pQm ljj/0fx? k|To]s cfly{s jif{sf] qodf; ;dfKt ePsf] ldltn] !% lbgleq shf{ r'Qmf geP;Dd shf{
ljefudf k7fpg' kg]{5 . Æ k|ltZyflkt ePsf]
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 21
 efvf gf3]sf] shf{ lgoldt ePdf jf efvf ldlt yk jf k'g/tflnsLs/0f ePdf ;f]sf] hfgsf/L ;d]t !%
lbgleq clgjfo{ ?kdf [shf{ ;"rgf s]Gb|nfO{{] 34 pknAw u/fpg' kg]{5 .
-*_ s'g} klg u|fxsnfO{ eO{ sfnf];"rLdf /fVg'kg]{ ePdf jf sfnf];"rLaf6 x6fpg'kg]{ cj:yf ePdf
g]kfn /fi6« a}+sn] hf/L u/]sf] shf{ ;"rgf tyf sfnf];"rL ;DaGwL lgb]{zg adf]lhd sfof{Gjog ug'{ kg]{5 .
@!= cGo a}+s tyf ljQLo ;+:yf;Fu lng] ;DaGwdfM ?=! s/f]8eGbf sd /sdsf] rfn' k'FhL k|s[ltsf shf{
k|jfx÷gjLs/0f ug'{cl3 cGo a}+s tyf ljQLo ;+:yfaf6 To:tf] shf{ lnP÷glnPsf] ljifodf shf{ ;"rgf
s]Gb|af6 Plsg u/L To:tf] shf{ lnPsf] cj:yfdf shf{ lbg] a}+saf6 cg';"rL #=^ adf]lhd clgjfo{ ?kn]
lnP/ dfq shf{ k|jfx÷gjLs/0f ug{' kg]{5 .
@@=cGo a}+s tyf ljQLo ;+:yf;Fu ug'{kg]{ kf/Lkf;' ;DaGwdfM ?=! s/f]8 jf ;f]eGbf a9L /sdsf] rfn' k'FhL
k|s[ltsf shf{ sf/f]jf/ ug]{ u|fxsn] PseGbf a9L a}+s jf ljQLo ;+:yfaf6 rfn' k'FhL k|s[ltsf shf{ pkof]u
u/]sf] b]lvPdf To; lsl;dsf] shf{ k|jfx÷gjLs/0f ug'{cl3 pQm u|fxsnfO{ shf{ k|jfx ug]{ a}+s jf ljQLo
;+:yf;Fu Ps cfk;df kf/Lkf;' ;Demf}tf ug'{ kg]{5 . To:tf] ;Demf}tfdf k|jfx ePsf] tyf ug]{ shf{ /sdsf]
c+z, lwtf]sf] ljj/0f tyf u|fxsn] k|bfg ug]{ lwtf]sf] :jfldTjsf] c+z ;d]t v'nfpg' kg]{5 . kf/Lkf;' ;Demf}tf
ug{'cl3 ;DalGwt ljefusf] :jLs[lt lng' kg]{5 / ljefun] ;f]sf] clen]v cBfjlws u/L /fVg' kg]{5 .
kf/Lkf;' ;Demf}tfsf] gd'gf cg';"rL @* df pNn]v ePadf]lhd x'g]5 .
@#= JolQmut÷;+:yfut hdfgt lng'kg]{M shf{ :jLs[t ubf{ clgjfo{ ?kdf b]xfo adf]lhd JolQmut÷skf]{/]6
hdfgt lng' kg]{5M
(1) u|fxssf] Psf3/ kl/jf/sf ;Dej eP;Dd ;a} ;b:ox?sf] -sDtLdf Ps ;b:osf] clgjfo{_ /
cfjZostf cg';f/ cGo JolQmsf] JolQmut hdfgt lng' kg]{5 .
(2) ;f´]bf/L kmd{sf] xsdf ;a} ;f´]bf/x?af6 JolQmut hdfgt n]vfO{ lng' kg]{5 .
(3) k|f=ln=sDkgLsf] xsdf ;a} ;~rfnsx?af6 JolQmut hdfgt n]vfO{ lng' kg]{5 . [7"nf ;+:yfut
shf{sf] xsdf s'g} ;+rfnssf] JolQmut hdfgtsf] ;§fdf ;DalGwt ;+:yfsf] ;+:yfut hdfgt ;d]t
lng ;lsg]5 . JolQmut hdfgtsf] ;§fdf ;+:yfut hdfgt lnbf k|d'v sfo{sf/L clws[tsf] :jLs[lt
lng' kg]{5 . ] 35
(4) lwtf] d~h"/Lgfdf lbg] JolQmaf6 ;d]t JolQmut hdfgt n]vfO{ [ lng ;lsg]5 ] 36 .
(5) JolQmut hdfgt n]vfO{ lnbf JolQmut hdfgt lbg]sf] / lghsf] Psf3/ kl/jf/sf] :jfldTjdf /x]sf]
[g]6 jy{ -Net Worth_ sf] lj:t[t ljj/0f cg';"rL @( adf]lhd] 37 lng' kg]{5 .
(6) skf]{/]6 hdfgt lnbf ;jn ljQLo l:ylt ePsf] ;+:yfaf6 lng' kg]{5 . o;/L lnOg] skf]{/]6 hdfgLdf
;DalGwt hdfgt lbg] ;+:yfsf] ;~rfns ;ldltaf6 lg0f{o eO{ clVtof/k|fKt JolQmn] hdfgt–kqdf
b:tvt u/]sf] / sDkgLsf] 5fk nufPsf] x'g' kg]{5 .
(7) hdfgt–kq n]vfO{ lnbf k|To]s hdfgtstf{;Fu :jLs[t shf{ ;Ldfsf] s'n /sd / shf{sf] k|of]hg
v'nfO{ hdfgt n]vfO{ lng' kg]{5 .
(8) hdfgt–kqdf hdfgtstf{sf] gfd / 7]ufgf ;gfvt u/fP/ dfq lng' kg]{5 .
(9) hdfgt–kq lnbf ;do ;Ldf gtf]sL lng' kg]{5 / shf{ ePdf sfg"gsf] Dofbleq hdfgL bfaL ug'{
kg]{5 . shf{ lnld6 yk36 ePdf ;f]xL adf]lhd k'gM JolQmut hdfgt n]vfO{ lng' kg]{5 .
@$= sfof{nosf] sfo{ If]qM sfof{nosf] shf{ nufgL ug{;Sg] sfo{If]q a}+sn] tf]s] cg';f/ x'g]5 . ;DalGwt
If]qLo sfof{non] cfkm' cGtu{tsf sfof{nox?sf] sfo{If]qdf cfjZostfcg';f/ x]/km]/ ug{ ;Sg]5 . skf]{/]6
a}+lsË sfof{no afx]s cGo sfof{nox?sf] xsdf kl/of]hgf /x]sf] If]q h'g sfof{nosf] sfo{If]qleq /x]sf]

34 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ shf{ ljefunfO{ Æ k|ltZyflkt ePsf]
35 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
36 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ lng' kg]{5Æ k|ltZyflkt ePsf]
37 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ;DklQsf] ljj/0f pNn]v u/fO{Æ k|ltZyflkt ePsf]

22 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 x'G5 ;f]xL sfof{noaf6dfq shf{ :jLs[lt ug{' kg]{5 . [cGo sfof{nosf] sfo{If]q cGtu{tsf] kl/of]hgfdf
shf{ nufgL ug'{ k/]df ;DalGwt If]qLo sfof{noleq ePdf ;DalGwt If]qLo sfof{nosf] / cGo If]qLo
sfof{nosf] sfo{If]q cGtu{t kg]{ ePdf ;DalGwt ljefusf] k"j{ :jLs[lt lng' kg]{5 .] 38

@%= shf{ :jLs[t ug{ ;Sg] clwsf/ ;LdfM -!_ […] 39sfof{non] :jLs[t ug{ ;Sg] clwstd shf{ ;Ldf
sfof{nosf] :t/ / txut Joj:yfcg';f/ a}+sn] ;do–;dodf tf]s] adf]lhd x'g]5 . [a}+s ;+rfns ;ldltn]
k|Tofof]hg u/]sf] clVtof/L ;Ldfleq /xL k|d'v sfo{sf/L clws[tn] cfkm" dftxtsf sd{Rff/Lx?nfO{
shf{÷;'ljwf :jLs[t ug]{ clVtof/L ;Ldf k|Tofof]lht ug{ ;Sg] 5g\ .] 40
-@_ a}+saf6 k|jfx ul/g] shf{ zLif{sx?sf] clwstd shf{ ;Ldf cg';"rL ! cg';f/ ;DalGwt shf{
zLif{ssf] k|f]8S6 k]k/df pNn]v eP adf]lhd x'g]5 .
-#_ [-s_ Psn u|fxs shf{ ;d"x cGtu{t Ps} ;d"xdf kg]{ u|fxsn] Pp6} lwtf]af6 jf cnu cnu
lwtf] lbO{ shf{ sf/f]af/ ug{ rfx]df lghx?nfO{ shf{÷;'ljwf :jLs[t ubf{ lghx?sf] gfddf /x]sf]
jf x'g] s'n shf{ ;LdfnfO{ cfwf/ dfgL sfof{non] cfˆgf] clwsf/ ;Ldf;Ddsf] /sddfq shf{
:jLs[t ug{ ;Sg]5 .
-v_ pkbkmf -!_ adf]lhdsf] ;Ldf u0fgf ubf{ bkmf -(_ adf]lhd Psn u|fxs shf{ ;d"x
cGtu{t Ps} ;d"xdf kg]{ u|fxsnfO{ Ps} u|fxs dfGg' kg]{5 . shf{ :jLs[lt ubf{ ;d"xsf
;b:ox?sf] cfˆg} ;Ldf sfod u/L ;d"xsf] cnu ;Ldf ;d]t sfod ug{ ;lsg]5 . ] 41
-$_ s'g} klg shf{ u|fxsnfO{ p:sf] cfjZostfcg';f/ ;a} kIfsf] ljZn]if0f u/]/ Ps} k|s[ltsf p4]Zo
afx]s cGo p4]Zox?df klg shf{ :jLs[t ug{ ;lsg]5 .
[-%_ :jLs[t shf{ tyf ;'ljwf sf/f]af/sf] ;Ldf u|fxssf] dfu cg';f/ ;DalGwt sfof{non]
36fpg ;Sg]5 . t/ d'Vo jf If]qLo sfof{noaf6 :jLs[t ePsf] shf{ tyf ;'ljwf sf/f]af/sf] ;Ldf 36fpFbf
clgjfo{ ?kdf ;Ldf :jLs[t ug]{ sfof{nonfO{ lnlvt hfgsf/L u/fpg' kg]{5 .] 42

@^=shf{ :jLs[lt k|lqmof / cfwf/M -!_ u|fxssf] cfjZostf tyf shf{ dfu /sd, lghn] k]z u/]sf
sfuhftx?, lghn] a}+snfO{ pknAw u/fPsf] ;'/If0f / To;sf] k|s[lt, lghn] ljutdf o; a}+s jf cGo a}+s
tyf ljQLo ;+:yf;Fu u/]sf] sf/f]jf/sf] l:yltsf] ;fy} shf{ ljZn]if0f ubf{ x]g{'kg]{ ;Dk"0f{ kIfx? h:t}M
k|fljlws, Joj:yfksLo, ahf/, sfg"gL, cfly{s tyf ;fdflhs / ljQLo cflb kIfx?sf] lj:t[t ljZn]if0f u/L
;f]sf] cfwf/df u|fxssf] gfddf shf{sf] s"n ;Ldf sfod ug{' kg]{5 .
-@_ g]kfn /fi6« a}+saf6 ;do ;dodf hf/L ul/Psf] lgb]{zgx?, a}+ssf] k|rlnt shf{ gLlt tyf a}+saf6
;do;dodf ul/g] kl/kqx?sf] clwgdf /xL Pp6} u|fxs, kmd{, sDkgL jf cfk;L ;DaGw ePsf u|fxsx?sf]
;d"xnfO{ Psn u|fxs shf{ ;Ldf cGtu{t /xg] u/L u|fxssf] gfddf shf{sf] s"n ;Ldf sfod ug{' kg]{5 .
Pp6} u|fxs, kmd{, sDkgL jf cfk;L ;DaGw ePsf u|fxsx?sf] ;d"xnfO{ sf]ifdf cfwfl/t shf{ ;fk6 /
u}/–sf]ifdf cfwfl/t ;'ljwfx? ;d]t u/L k|fylds k'FhLsf] a9Ldf !% k|ltzt;Ddsf] ;Ldf sfod ug{
;lsg]5 .
-#_ cfˆgf] sfof{nosf] clVtof/ ;Ldfleq /x]sf] /sd;Ddsf] shf{ ;Ldf :jLs[t ug]{ clwsf/ ;DalGwt
38
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk
39 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ u|fxssf] gfddf Æ x6fOPsf]
40 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
41 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ-#_ Ps} JolQm jf Psf3/ kl/jf/af6 ;+rflnt kmd{ jf sDkgLx?n] cnu cnu lwtf] lbO{
a}+s;Fu shf{ sf/f]af/ ug{ rfx]df cnu cnu u|fxs dfgL sfof{non] shf{ :jLs[t clwsf/ ;Ldfleq /xL shf{ :jLs[t ug{ ;Sg]5 . t/ cnu cnu lwtf]
glbO{ Pp6} lwtf]af6 lghx?n] shf{ sf/f]af/ ug{ rfx]df lghx?nfO{ cnu cnu shf{ u|fxs dfg] klg shf{ :jLs[t ubf{ lghx?sf] gfddf /x]sf] jf x'g] s'n
shf{ ;LdfnfO{ cfwf/ dfgL sfof{non] cfˆgf] clwsf/ ;Ldf;Ddsf] /sddfq shf{ :jLs[t ug{ ;Sg]5 .Æ k|ltZyflkt ePsf]
42
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf]
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 23
 sfof{nosf k|aGwsdf lglxt /xg]5 .
-$_ cfˆgf] sfof{nosf] clVtof/ ;LdfeGbf a9L /sdsf] shf{ ;Ldf :jLs[t ug{'kbf{ ;DalGwt
pkzfvf÷zfvf÷d'Vo zfvf sfof{non] clgjfo{?kdf l;kmfl/z;lxt shf{ :jLs[ltsf nflu ldl;n
If]qLo sfof{nodf k7fpg' kg]{5 . If]qLo sfof{non] cfˆgf] clVtof/ ;Ldf;Ddsf] shf{ ;Ldf :jLs[t u/L
tf]lsPsf] ;Ldfleq /xL shf{ k|jfx ug{ ;DalGwt sfof{nonfO{ :jLs[lt lbg]5 .
-%_ [skf]{/]6 a}+lsË sfof{non] cfˆgf] clVtof/ ;LdfeGbf a9L /sdsf] shf{ ;Ldf :jLs[ltsf
nflu clgjfo{?kdf l;kmfl/z;lxt ldl;n skf]{/]6 x]g]{ lhDd]jf/L /x]sf] k|d'v skf]{/]6 clws[t -
pk–dxfk|aGws_ sf] sfof{nodf k7fpg' kg]{5 . ] 43
-^_ [k|b]z sfof{nosf] clVtof/ ;LdfeGbf a9L /sdsf] shf{÷;'ljwf ;Ldf :jLs[t ug{' kbf{ k|b]z
sfof{non] clgjfo{?kdf cg';"rL !@=( adf]lhdsf] shf{÷;'ljwf l;kmfl/z k|:tfj dfkm{t\
l;kmfl/z;lxt shf{÷;'ljwf :jLs[ltsf nflu shf{÷;'ljwf ;DaGwL ;Dk"0f{ ljj/0f -ldl;n_ d'Vo
sfof{no, shf{ tyf 6«]8 kmfOgfG; ljefu÷s[lif shf{ tyf Pd=P;=Pd=O{= ljefudf k7fpg' kg]{5 . d'Vo
sfof{non] txut :t/df shf{÷;'ljwf ;Ldf :jLs[t u/L tf]lsPsf] ;Ldfleq /xL shf{ k|jfx ug{sf] nflu
;DalGwt sfof{nonfO{ sfof{non] tof/ u/]sf] cg';"rL !@ sf] shf{ :jLs[lt k|:tfj dfkm{t\ :jLs[lt
lbg]5 . shf{÷;'ljwf ;Ldf :jLs[t ePsf] hfgsf/L ;DalGwt k|b]z sfof{nonfO{ ;d]t lbg' kg]{5 .
shf{÷;'ljwf :jLs[t ubf{ k|b]z sfof{no tyf d'Vo sfof{non] /fv]sf] zt{x?sf] clwgdf /x]/ dfq shf{
k|jfx ug'{ ;DalGwt sfof{nosf] st{Jo x'g]5 . ] 44
-&_ :jLs[t shf{ ;Ldf tyf cGo zt{ ;'ljwfx?sf] af/]df sfof{non] cg';"rL–!#=! adf]lhdsf]
shf{ ;'ljwf kq -_ tof/ u/L shf{ u|fxsnfO{ hfgsf/L lbP/dfq shf{ k|jfx ug'{ kg]{5 . o:tf] shf{
;'ljwf–kqdf a}+ssf] tkm{af6 k|jGws jf shf{ kmfF6 k|d'v / u|fxssf] tkm{af6 ;DalGwt u|fxs jf
clVtof/k|fKt JolQmsf] b:tvt x'g' kg]{5 .
-*_ shf{ :jLs[t ubf{ a}+sn] tf]s]sf zt{ kl/zt{x?df x]/km]/ ug{ u|fxsn] lnlvt cg'/f]w u/]df ;f]
pk/ a}+sn] ug]{ lg0f{o shf{ :jLs[t ;Ldfleq /xL ug{' kg]{5 / pQm lg0f{osf] hfgsf/L u|fxsnfO{ lnlvt
?kdf u/fpg' kg]{5 .
[-(_ d'Vo sfof{no÷k|b]z sfof{noaf6 shf{ :jLs[lt ug]{ ;DaGwdfM
-!_ 7'nf ;+:yfut u|fxsx?n] d'Vo sfof{no jf k|b]z sfof{nodf shf{÷;'ljwf :jLs[ltsf] nflu
cg'/f]w ug{ ;Sg]5g\ .
-@_ d'Vo sfof{no÷k|b]z sfof{nodf shf{÷;'ljwfsf] nflu cfj]bg k|fKt ePkl5 ;DalGwt
ljefu÷k|b]zsf] shf{÷;'ljwf Joj;fo x]g]{ zfvfn] u|fxs;Fu shf{÷;'ljwfsf] nflu cfjZos
kg]{ sfuhftx? lnP/ u|fxssf] kl/of]hgf tyf lwtf]sf] lg/LIf0f ug{' kg]{5 . lg/LIf0f ubf{
kl/of]hgf÷lwtf] glhs /x]sf] zfvf / ;DalGwt k|b]z sfof{no ;d]tsf] ;+nUgtfdf ug{' kg]{5 .
-#_ u|fxssf] ;a} kIfsf] ljZn]if0f u/L k|b]z÷d'Vo sfof{nodf /xg] ;DalGwt ljefusf]
shf{÷;'ljwf Joj;fo x]g]{ zfvfn] shf{÷;'ljwfsf] ldl;n tof/ u/L hf]lvd ljZn]if0fsf] nflu
hf]lvd Joj:yfkg ljefu÷zfvfdf k7fpg' kg]{5 . hf]lvd Joj:yfkg ljefu÷zfvfaf6 hf]lvd

43
;+rfns ;ldltsf] ldlt @)&^.)*.@# sf] a}7s g+= &*^ sf] lg0f{o adf]lhd ;fljs æskf]{/]6 a}l+ sË sfof{non] cfˆgf] clVtof/ ;LdfeGbf
a9L /sdsf] shf{ ;Ldf :jLs[t ug{'kbf{ clgjfo{?kdf l;kmfl/z;lxt shf{ :jLs[ltsf nflu ldl;n d'Vo sfof{no, shf{ ljefu÷s[lif a}+lsË
tyf P;=Pd=O{=ljefudf k7fpg' kg]{5Æ eGg] Aoa:yf k|lt:yfkg ePsf] .
44 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ If]qLo sfof{nosf] clVtof/ ;LdfeGbf a9L /sdsf] shf{ ;Ldf :jLs[t ug{'kbf{ If]qLo
sfof{non] clgjfo{?kdf l;kmfl/z;lxt shf{ :jLs[ltsf nflu ldl;n d'Vo sfof{no, shf{ ljefu÷s[lif a}+lsË tyf P;=Pd=O{= ljefudf k7fpg' kg]{5
. d'Vo sfof{non] txut:t/df shf{ ;Ldf :jLs[t u/L tf]lsPsf] ;Ldfleq /xL shf{ k|jfx ug{sf] nflu ;DalGwt sfof{nonfO{ :jLs[lt lbg]5 . shf{
;Ldf :jLs[t ePsf] hfgsf/L ;DalGwt If]qLo sfof{nonfO{ ;d]t lbg' kg]{5 .Æ k|ltZyflkt ePsf]
24 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 ljZn]if0f eO{ cfPkl5 k|b]z sfof{no÷;DalGwt ljefu dfkm{t\ shf{÷;'ljwfsf] :jLs[lt k|lqmof
cl3 a9fpg' kg]{5 .
-$_ clVtof/k|fKt tx÷clwsf/Laf6 shf{÷;'ljwf :jLs[t eO{ ;a} sfg"gL lnvt tyf cfjZos kg]{
cGo sfuhftx? tof/ ePkl5 shf{ k|zf;g zfvfaf6 a}+ssf] sf]/ a}+lsË l;:6ddf kl/of]hgf
glhs /x]sf] jf u|fxsnfO{ kfos kg]{ zfvf sfof{nodf lx;fa /xg] u/L u|fxssf] gfddf
shf{÷;'ljwf ;Ldfsf] clen]v hgfO{g]5 .
-%_ shf{÷;'ljwfsf] ;Ssn ldl;n tyf sfg"gL sfuhftx? k|b]z sfof{no÷ljefudf /xg]5 / ;f]sf]
k|ltlnkL ldl;n shf{÷;'ljwfsf] clen]v /flvPsf] ;DalGwt zfvf sfof{nodf k7fOg]5 .
-^_ shf{÷;'ljwfsf] cg'udg ug]{ k|d'v lhDd]jf/L d'Vo÷k|b]z sfof{nodf /x]sf] shf{ Joj;fo x]g]{
zfvfsf] /xg] ePtfklg cg'udg sfo{df ;DalGwt zfvf sfof{no÷k|b]z sfof{non] ;d]t
;xof]u ug{' kg]{5 .
-&_ k|b]z sfof{no jf d'Vo sfof{noaf6 :jLs[ltsf] k|lqmof z'? ug]{ shf{÷;'ljwfsf] Go"gtd
;Ldf a}+s Joj:yfkgn] ;do ;dodf tf]s] adf]lhd x'g]5 .
] 45
@&=shf{ l;kmfl/z, ;ldIff / :jLs[lt ;DaGwL Joj:yfM -!_ shf{ l;kmfl/z, ;ldIff / :jLs[lt ubf{ b]xfo
adf]lhd ug{' kg]{5M
-s_ shf{ l;kmfl/zM shf{ x]g]{ lhDd]jf/L tf]lsPsf] sd{rf/Ln] shf{ cfj]bsaf6 shf{sf nflu k]z ePsf]
sfuhkqx?sf] ?h' ug]{, cfo >f]t ;DaGwL sfuhftsf] k|dfl0fs/0f, kl/of]hgf / u|fxsn] k]z u/]sf]
Joj;flos sfo{ of]hgfsf] ;Dk"0f{ kIfx?sf] ljZn]if0f ug]{, shf{ ;'/If0fsf] nflu u|fxsn] lbPsf] lwtf]sf]
cWoog tyf ljZn]if0f ug]{, shf{ dfu /sd tyf u|fxs;Fu ;DalGwt cGo kIfx?sf] ;d]t ljZn]if0f u/L
shf{ :jLs[t ubf{ tf]lsg] zt{ tyf ;'ljwfx? cflb :ki6 ?kdf v'nfO{ l;kmfl/z ;lxt shf{ :jLs[ltsf]
nflu shf{ ;ldIfs;dIf ldl;n k]z ug{' kg]{5 . shf{ l;kmfl/z ug]{ sd{rf/Ln] shf{ ;ldIff ug{ ldNg]
5}g . ;Dej eP;Dd sDtLdf @ hgf sd{rf/Lx?af6 shf{ l;kmfl/z ug{' kg]{5 . shf{ cfj]bsn] k]z
u/]sf sfuhft tyf shf{ k|zf]wg ubf{ tof/ ul/Psf cg';"rLx? bkmf !$ n] tf]s] cg';f/ ldl;ndf
l;nl;n]jf/ ldnfpg] bfloTj shf{ l;kmfl/z ug]{ sd{rf/Lsf] x'g]5 .
-v_ shf{ ;ldIffM shf{ ;ldIff ubf{ b]xfo adf]lhdsf] k|lqmof cjnDjg ug{' kg]{5M
-!_ shf{ ;ldIffsf nflu k|fKt ldl;nsf] ;Dk"0f{ kIfx?sf] cWoog Pj+ ljZn]if0f ul/ shf{ ;ldIff
ug]]{ lhDd]jf/L tf]lsPsf] sd{rf/Laf6 shf{ ;ldIff ug{' kg]{5 . shf{ ;ldIff ubf{ shf{ :jLs[lt ug{
pko'Qm b]lvPdfq l;kmfl/z;fy shf{ :jLs[ltsf nflu ldl;n k|aGws ;dIf k]z ug'{ kg]{5 .
-@_ ;Dej eP;Dd shf{ l;kmfl/z / shf{ ;ldIff Ps} txsf] sd{rf/Laf6 ug{ kfOg] 5}g . t/ sfof{nodf
sd{rf/L ljbf jf cGo s'g} sf/0fn] pkl:yt x'g g;Sbf Ps} txsf] jl/i7 sd{rf/Laf6 ;d]t shf{
;ldIff ug{ afwf kg]{ 5}g . cfjZostfcg';f/ k|aGwsn] ;d]t shf{ ;ldIff ug{ ;Sg]5 .
-u_ shf{ :jLs[ltM shf{ :jLs[lt ubf{ b]xfo adf]lhdsf] k|lqmof cjnDag ug{' kg]{5M
(1) shf{ :jLs[ltsf nflu l;kmfl/; tyf ;ldIff ;d]t eO{ k]z ePsf] ldl;nsf] ;Dk"0f{ kIfx?sf]
cWoog Pj+ ljZn]if0f u/L pko'Qm ePsf] cj:yfdf tf]lsP adf]lhd sfof{nosf] shf{ :jLs[t
clwsf/ ;Ldfleq /lx shf{ :jLs[t ug]{ clwsf/ k|aGwsnfO{ x'g]5 . [d'4lt /l;b lwtf] shf{
/ ;/sf/L […] 46 ;'/If0fkq lwtf] shf{sf] xsdf hlt;'s} shf{ /sd ePklg ;DalGwt
sfof{non] g} :jLs[t ug{ ;Sg] 5 .] 47
45 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
46 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ tyf cGo Æx6fOPsf]
47
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æd'4lt /l;b lwtf] shf{ / ;/sf/L tyf cGo ;'/If0fkq lwtf] shf{sf]
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 25
 (2) sfof{nosf] clwsf/ ;LdfeGbf a9L /sdsf] shf{ ;Ldf :jLs[ltsf] nflu ;Dk"0f{ k|lqmof k"/f ul/
l;kmfl/z;fy [tf]lsPsf] ;a} ljj/0f ;DalGwt k|b]z sfof{nodf ] 48 k7fpg' kg]{5 .
(3) shf{ l;kmfl/z ug]{ sd{rf/Ln] shf{ ;ldIff / :jLs[lt ug{ ldNg] 5}g . cfjZostfcg';f/
k|aGwsn] shf{ ;ldIff u/L shf{ :jLs[t ug{ ;Sg]5 . t/ k|aGws PSn}n] shf{ l;kmfl/z /
;ldIff u/L shf{ :jLs[t ug{ kfpg] 5}g . ;Dej eP;Dd shf{ l;kmfl/z, ;ldIff / :jLs[ltdf sDtLdf #
hgf sd{rf/Lsf] ;+nUgtf /xg' kg]{5 .
-$_ shf{ :jLs[ltsf qmddf ;fwf/0ftof shf{ l;kmfl/z, ;dLIff / :jLs[lt u/L # tx x'g] 5g\ . shf{
l;kmfl/z, ;dLIff / :jLs[ltsf] k|lqmofdf ;+nUg x/]s sd{rf/Lx? ;dfg?kdf hjfkmb]xL x'g' kg]{5 .
sfof{nosf] :t/cg';f/ shf{ l;kmfl/z, ;ldIff / :jLs[ltdf ;+nUg x'g] sd{rf/Lx? / txsf]
;DaGwdf b]xfo adf]lhd x'g]5M
-s_ pkzfvf÷zfvf÷d'Vo zfvf÷If]qLo sfof{nosf] xsdfM
(1) pkzfvf:t/sf] sfof{nodf ;xfos:t/sf sd{rf/Lx?n] shf{ k|zf]wg u/L shf{
:jLs[ltsf] nflu l;kmfl/z ug{' kg]{5 / k|aGwsn] ;dLIff u/L shf{ :jLs[t÷c:jLs[t
ug{ ;Sg]5 .
(2) zfvf:t/sf] sfof{nodf ;xfos:t/sf sd{rf/Lx?n] shf{ k|zf]wg u/L shf{
:jLs[ltsf] nflu l;kmfl/z u/]df clws[t:t/sf] sd{rf/Ln] ;dLIff ug]{ / k|aGwsn]
shf{ :jLs[t ug{ ;Sg]5 . ;xfos:t/ / clws[t:t/sf sd{rf/Lx?af6 ;+o'Qm ?kdf
jf clws[t:t/sf sd{rf/Lx?n] shf{ k|zf]wg u/L shf{ :jLs[ltsf] nflu l;kmfl/z
u/]df l;kmfl/z ug]{ clws[teGbf al/i7÷h]i7 clws[taf6 ;ldIff u/fO{ k|aGwsn]
shf{ :jLs[t÷c:jLs[t ug{ ;Sg]5 . al/i7÷h]i7 clws[t pknAw gePdf
k|aGwsn] g} ;ldIff u/L shf{ :jLs[t÷c:jLs[t ug{ ;Sg]5 .
(3) d'Vo zfvf sfof{no÷skf]{/]6 a}+lsË sfof{nosf] xsdf clws[t:t/÷;xfos:t/sf
sd{rf/Lx?n] jf lghx?n] ;+o'Qm ?kdf shf{ k|zf]wg u/L shf{ :jLs[ltsf] nflu
l;kmfl/z u/]df zfvf k|d'vn] ;dLIff ug]{ / k|aGwsn] shf{ :jLs[t÷c:jLs[t
ug{ ;Sg]5 . ;xfos:t/÷clws[t:t/ / zfvf k|d'v ;d]t ;+o'Qm ?kdf jf zfvf
k|d'vdfqn] shf{ k|zf]wg u/L shf{ :jLs[ltsf] nflu l;kmfl/z u/]df l;kmfl/z
ug]{ zfvf k|d'veGbf al/i7÷h]i7 zfvf k|d'vaf6 ;ldIff u/fO{ k|aGwsn] shf{
:jLs[t÷c:jLs[t ug{ ;Sg]5 . al/i7÷h]i7 zfvf k|d'v pknAw gePdf k|aGwsn]
g} ;ldIff u/L shf{ :jLs[t÷c:jLs[t ug{ ;Sg]5 .
(4) If]qLo sfof{nodf clws[t:t/sf sd{rf/Ln] shf{ k|zf]wg u/L shf{ :jLs[ltsf]
nflu l;kmfl/z ug]{, zfvf k|d'vn] ;dLIff ug]{ / lgb]{zsn] shf{ :jLs[t÷c:jLs[t
ug{ ;Sg]5 . clws[t:t/ / zfvf k|d'v ;d]t ;+o'Qm ?kdf jf zfvf k|d'vdfqn] shf{
k|zf]wg u/L shf{ :jLs[ltsf] nflu l;kmfl/z u/]df l;kmfl/z ug]{ zfvf k|d'veGbf
al/i7÷h]i7 zfvf k|d'vaf6 ;ldIff u/fO{ lgb]{zsn] shf{ :jLs[t÷c:jLs[t ug{
;Sg]5 . al/i7÷h]i7 zfvf k|d'v pknAw gePdf lgb]{zsn] g} ;ldIff u/L shf{
:jLs[t÷c:jLs[t ug{ ;Sg]5 .
(5) d'Vo lgb]{zs /xg] If]qLo sfof{nodf clws[t:t/ sd{rf/L÷zfvf k|d'vn] jf
lghx?n] ;+o'Qm ?kdf shf{ k|zf]wg u/L shf{ :jLs[ltsf] nflu l;kmfl/z u/]df
lgb]{zsn] ;dLIff ug]{ / d'Vo lgb]{zsn] shf{ :jLs[t÷c:jLs[t ug'{ kg]{5 . lgb]{zs
pknAw gePdf d'Vo lgb]{zsn] g} ;ldIff u/L shf{ :jLs[t÷c:jLs[t ug{ ;Sg]5 .
xsdf hlt;'s} shf{ /sd ePklg ;DalGwt sfof{non] g} :jLs[t ug{ ;Sg] 5 .Æ yk ePsf]
48 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ ldl;n ;DalGwt If]qLo sfof{nodf Æ k|ltZyflkt ePsf]

26 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 -v_ d'Vo sfof{nosf] xsdfM
(1) [;DalGwt ljefusf] clws[t:t/sf] sd{rf/Ln] k|b]z sfof{noaf6 l;kmfl/z;fy
k|fKt shf{÷;'ljwf k|:tfj ljZn]if0f u/L l;kmfl/z;fy ;dLIffsf nflu al/i7 zfvf
k|d'v÷zfvf k|d'v ;dIf k]z ug'{ kg]{5 . al/i7 zfvf k|d'v÷zfvf k|d'vn] ;dLIff
ug]{ / ljefuLo k|d'vn] cfˆgf] clwsf/ ;Ldf;Ddsf] shf{÷;'ljwf k|:tfj
:jLs[t÷c:jLs[t ug'{ kg]{5 . al/i7 zfvf k|d'v÷zfvf k|d'vn] shf{ ljZn]if0f u/L
l;kmfl/z;fy ;dLIffsf nflu ljefuLo k|d'v ;dIf k]z u/]df jf al/i7 zfvf
k|d'v÷zfvf k|d'v pknAw gePsf] cj:yfdf clws[t:t/sf] sd{rf/Ln]
shf{÷;'ljwf ljZn]if0f u/L l;kmfl/z u/]df ljefuLo k|d'vn] ;dLIff u/L cfˆgf]
clwsf/ ;Ldf;Ddsf] shf{÷;'ljwf :jLs[t÷c:jLs[t ug{ ;Sg]5 . ] 49
(2) ljefuLo k|d'vsf] shf{ :jLs[t ug]{ clwsf/ ;LdfeGbf dflysf] shf{ ePdf ljefuLo
k|d'vn] ;dLIff u/L :jLs[ltsf nflu pk–dxfk|aGws ;dIf k]z ug{' kg]{5 .
(3) pk–dxfk|aGwsn] cfˆgf] clwsf/ ;Ldf;Ddsf] shf{ ePdf shf{ :jLs[t jf
c:jLs[t ug'{ kg]{5 . k|:tfljt shf{ pk–dxfk|aGwssf] clwsf/ ;LdfeGbf dflysf]
ePdf ljefuLo k|d'v;d]tn] shf{ l;kmfl/z ug]{ / pk–dxfk|aGwsn] shf{ ;dLIff
u/L :jLs[ltsf nflu k|d'v sfo{sf/L clws[t ;dIf k]z ug'{ kg]{5 .
(4) k|d'v sfo{sf/L clws[tn] cfˆgf] clwsf/ ;Ldf;Ddsf] shf{ ePdf shf{ :jLs[t
jf c:jLs[t ug'{ kg]{5 . olb k|:tfljt shf{sf] ;Ldf k|dv ' sfo{sf/L clws[tsf]
clwsf/ ;LdfeGbf dflysf] ePdf k|d'v sfo{sf/L clws[tn] shf{ :jLs[ltsf nflu
l;kmfl/z;fy ;+rfns ;ldltdf k]z ug{] lg0f{o ug'{ kg]{5 .
[-c_ tf]lsPsf] ;LdfeGbf a9L /sdsf] shf{÷;'ljwf k|d'v sfo{sf/L clws[tsf]
;+of]hsTjdf x'g] shf{ ;ldltaf6 :jLs[t ug{' kg]{5 . shf{ ;ldltdf tf]lsP
adf]lhdsf ;b:ox? /xg] 5g\ . shf{÷;'ljwf ;Ldf :jLs[ltsf] nflu k|:tfj
k7fpbf ;DalGwt ljefuaf6 ljZn]if0f;fy l;kmfl/z u/L shf{ ;ldlt ;dIf k]z
ug{' kg]{5 . shf{ ;ldltsf] clwsf/ ;LdfeGbf dflysf] shf{÷;'ljwf ;Ldf
ePdf k|d'v sfo{sf/L clws[tn] shf{ :jLs[ltsf nflu l;kmfl/z;fy ;+rfns
;ldltdf k]z ug'{ kg]{5 . ] 50
(5) shf{ :jLs[t ubf{ :jLs[t ug]{ clwsf/ ;Ldf adf]lhd ;DalGwt ljefusf]
ljefuLo k|d'v jf [s[lif tyf Joj;fo ;+rfng] 51 x]g]{ pk–dxfk|aGws dWo]
s'g} Pssf] pkl:ylt clgjfo{ x'g]5 . [skf]{/]6 a}+lsËsf] xsdf skf]{/]6 a}+lsË
x]g]{ lhDd]jf/L ePsf] pk–dxfk|aGws clgjfo{ x'g]5 .] 52
(6) a}+s Joj:yfkgaf6 shf{ :jLs[ltsf] nflu l;kmfl/z;lxt k|fKt ldl;nsf] cWoog
tyf ljZn]if0f u/L kl/of]hgfsf] ;a} kIfx? pko'Qm b]lvPdf shf{ ;Ldf :jLs[t ug]{
lg0f{o u/L tf]lsPsf] zt{df shf{ k|jfx ug{ Joj:yfkgnfO{ lgb]{zg lbg] clwsf/
;+rfns ;ldltdf lglxt /xg]5 . ;+rfns ;ldltn] ;do ;dodf shf{ :jLs[t
49 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ ;DalGwt ljefusf] clws[t:t/sf] sd{rf/Ln] If]qLo sfof{noaf6 l;kmfl/z;fy k|fKt
shf{ ldl;nsf] ljZn]if0f u/L l;kmfl/z;fy ;dLIffsf nflu zfvf k|d'v;dIf k]z ug'{ kg]{5 . zfvf k|d'vn] k|fKt ldl;nsf] ;dLIff ug]{ / ljefuLo k|d'vn]
cfˆgf] clwsf/ ;Ldf;Ddsf] shf{ :jLs[t÷c:jLs[t ug'{ kg]{5 . zfvf k|d'vn] shf{ ldl;nsf] ljZn]if0f u/L l;kmfl/z;fy ;dLIffsf nflu ljefuLo k|d'v
;dIf k]z u/]df jf zfvf k|d'v pknAw gePsf] cj:yfdf clws[t:t/sf] sd{rf/Ln] shf{ ldl;nsf] ljZn]if0f u/L l;kmfl/z u/]df ljefuLo k|d'vn] ;dLIff
u/L cfˆgf] clwsf/ ;Ldf;Ddsf] shf{ :jLs[t÷c:jLs[t ug{ ;Sg]5 .Æ k|ltZyflkt ePsf]
50 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
51 ;+rfns ;ldltsf] ldlt @)&^.)*.@# sf] a}7s g+= &*^ sf] lg0f{o adf]lhd æJoj;fo÷sfo{qmd x]g]{Æ eÌ] Joj:yf k|lt:yfkg ePsf]
52
;+rfns ;ldltsf] ldlt @)&^.)*.@# sf] a}7s g+= &*^ sf] lg0f{o adf]lhd yk ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 27

 ug{;Sg] clwsf/ a}+s Joj:yfkgnfO{ k|Tofof]hg ug{ ;Sg]5 .
[-@_ d'Vo sfof{no÷k|b]z sfof{nosf] clwsf/ If]qleq kg]{ shf{ ;'ljwf ;Ldf :jLs[lt ug{' cl3 a}+ssf]
k|rlnt hf]lvd Joj:yfkg sfo{ljlw adf]lhd hf]lvd Joj:yfkg ljefu÷hf]lvd Joj:yfkg zfvf
-OsfO{_ af6 ;d]t hf]lvd ljZn]if0f÷dfkg ug{' kg]{5 . ] 53

@*=shf{ :jLs[lt k|lqmofdf k|of]u x'g] cg';"rL ;DaGwL Joj:yfM shf{ :jLs[lt k|lqmofdf cfjZostf cg';f/
k|of]u x'g] cg';"rLx? b]xfo adf]lhd x'g]5gM
(1) shf{ cfj]bsaf6 shf{sf] nflu cg'/f]w eO{ cfPdf a}+sdf klxnf]k6s shf{ dfu ug{ cfpg] cfj]bsnfO{
cg';"rL–@ adf]lhdsf] shf{ ;f]wk'5 kmf/fd cg';f/ shf{ cfj]bssf] af/]df hfgsf/L lng' kg]{5 .
(2) shf{ cfj]bs / bkmf @) sf] pk–bkmf -@_ df tf]lsP adf]lhdsf cGo kIfx?sf] shf{ /sd cg';f/ shf{
;"rgf s]Gb| jf :yfgLo a}+s jf ljQLo ;+:yfx?af6 ;fv ;"rgf lng' kg]{5 . ;fy} cg';"rL–#=!
adf]lhdsf] kmf/fddf lghsf] ax'–a}+lsË sf/f]af/sf] ljj/0f ;d]t lng' kg]{5 .
(3) shf{ cfj]bsn] shf{sf] nflu cg'/f]w ubf{ a}+sn] tf]s] cg';f/ cg';"rL–$ adf]lhdsf] cfjZos
sfuhftx? lbg' kg]{5 . shf{sf] k|s[lt cg';f/ cg';"rL–$ df tf]s]eGbf yk sfuhftx?;d]t lng
;lsg]5 .
(4) shf{ u|fxsaf6 lnOPsf sfuhftx?sf] ?h' u/L shf{ cfj]bsnfO{ shf{ cfj]bg kmf/fd e/fpg' kg]{5 .
shf{ cfj]bg kmf/fd shf{sf] k|s[ltsf] cfwf/df km/s km/s x'g]5 . ;/n s[lif shf{sf] nflu shf{
cfj]bg kmf/fd cg';"rL–%=! adf]lhd, d'2lt /l;b÷;'/If0fkq lwtf] shf{sf] nflu shf{ cfj]bg kmf/fd
cg';"rL–%=# adf]lhd, z]o/ lwtf] -dflh{g n]l08Ë_ shf{sf] nflu shf{ cfj]bg kmf/fd cg';"rL–%=$
adf]lhd, ;'grfFbL lwtf] shf{sf] nflu shf{ cfj]bg kmf/fd cg';"rL–%=% adf]lhd / cGo shf{x?sf]
nflu shf{ cfj]bg kmf/fd cg';"rL–%=@ adf]lhdsf] x'g]5 .
(5) shf{ cfj]bsaf6 shf{ cfj]bg e/fPkl5 a}+s sd{rf/Lx?af6 lwtf] / kl/of]hgf lg/LIf0f u/L shf{
/sdsf] cfwf/df cg';"rL–^ jf & adf]lhdsf] k|ltj]bg a}+sdf k]z ug{' kg]{5 .
(6) shf{ /sdsf] cfwf/df cfjZostf adf]lhd a}+ssf] ;"rLs[t lwtf] d"Nof+sgstf{af6 lwtf] lg/LIf0f u/L
lwtf] d"Nof+sg ug{ / a}+ssf] k|rlnt lwtf] ;'/If0f d"Nof+sg sfo{ljlwn] tf]s] adf]lhdsf] lwtf] d"Nof+sg
k|ltj]bg k]z ug{sf] nflu cg';"rL–* adf]lhdsf] kq a}+ssf] ;"rLs[t lwtf] d"Nof+sgstf{nfO{ lbg' kg]{5 .
(7) a}+ssf] ;"rLs[t lwtf] d"Nof+sgstf{af6 k|fKt k|ltj]bgsf] cg';"rL–( df tf]lsP adf]lhd lwtf] ;ldIff ug{'
kg]{5 .
(8) d~h"/Lgfdfaf6 lwtf] lng] ;Gbe{df cg';"rL–!) adf]lhdsf] lwtf] d~h"/Lgfdf lbg]sf] cGtjf{tf{ tyf
kfl/jfl/s ;xdlt ;d]t lng' kg]{5 .
(9) shf{ ljZn]if0f u/L shf{ :jLs[t x'gc ' l3 g} ;Dk"0f{ sfuhftx?sf] cg';"rL–!! adf]lhdsf] r]slni6
tof/ ug{' kg]{5 .
[-s_ u|fxsn] shf{sf] nflu a}+sdf k]z u/]sf] cfj]bg / sfuhftx?sf] cfwf/df k|f/lDes cWoog u/L
g]kfn /fi6« a}+ssf] lgb]{zg, a}+ssf] k|rlnt shf{ gLlt÷sfo{ljlw / a}+lsª ahf/sf] cEof;sf
cfwf/df shf{ ljZn]if0f ubf{ pko'Qm x'g] ePdf shf{ :jLs[t ug{ ;lsg] cfzo–kq -Letter of
Intent_ u|fxsnfO{ k|bfg ug{ ;lsg]5 . o;sf] gd"gf cg';"rL #) df Joj:yf eP adf]lhd jf
a}+snfO{ dfGo x'g] lsl;dsf] x'g]5 . o:tf] cfzo–kq hf/L ug]{ clwsf/ shf{÷;'ljwf :jLs[t ug]{
clwsf/ ;Ldf adf]lhd jf a}+sn] ;do ;dodf tf]s] adf]lhd x'g]5 .
-v_ shf{÷;'ljwfsf] cfj]bg ug]{ 7"nf skf]{/]6 u|fxsaf6 cfj]bg;fy tf]lsP adf]lhdsf] Go"gtd
cfjZos sfuhftx? lnO{ lwtf] / kl/of]hgfsf] lg/LIf0f u/L u|fxssf] ;du| kIfsf] k|f/lDes
ljZn]if0f u/]/ u|fxssf] gfddf shf{÷;'ljwf ;Ldf :jLs[t ug{ ;lsg]5 . :jLs[t ;Ldfsf] pkof]u ug{'
53 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

28 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cl3 ;Ldf :jLs[t ubf{ tf]lsPsf ;Dk"0f{ zt{x?sf] kl/kfngf ePsf] x'g' kg]{5 . tf]lsPsf ;Dk"0f{
zt{x?sf] kl/kfngf ePkl5 / lng'kg]{ ;Dk"0f{ sfg"gL lnvt tyf cGo sfuhftx? k|fKt ePkl5dfq
shf{ k|zf;g OsfO{af6 :jLs[t ;Ldf /sd a}+ssf] sf]/ a}+lsË l;:6ddf clen]v hgfOg]5 .] 54
(10) shf{ cfj]bssf] bkmf !^ adf]lhdsf] ;Dk"0f{ kIfsf] ljZn]if0f u/]kl5 shf{ :jLs[lt ug{' kg]{5 . 5f]6f]
cjlwsf] shf{ ljZn]if0f ubf{ jflif{s ;'rsf+ssf] cfwf/df ug{' kg]{5 / cfjlws shf{sf] xsdf cjlw
cg';f/sf] k|To]s jif{sf] jflif{s ;'rsf+ssf] cfwf/df ug{' kg]{5 .[ ;'grfFbL lwtf] shf{ :jLs[ltsf] nflu
cg';"rL–%=% adf]lhd, JolQmut shf{ :jLs[lt k|:tfjsf] nflu cg';"rL–!@=! adf]lhd, ?=@)
nfv;Ddsf] s[lif shf{÷;x'lnotk"0f{ shf{÷k|b]z ;/sf/;Fu ;Demf}tf eP adf]lhd k|jfx ul/g] shf{sf]
nflu cg';"rL–!@=@ adf]lhd, ;+:yfut shf{ ;'ljwf :jLs[lt k|:tfjsf] nflu cg';"rL–!@=$ adf]lhd,
d'2lt /l;b÷;'/If0fkq lwtf] shf{ :jLs[lt k|:tfjsf] nflu cg';"rL–!@=% adf]lhd, yf]s shf{sf] nflu
cg';"rL–!@=& adf]lhd / qm]l86 sf8{ ;'ljwfsf] :jLs[ltsf] nflu cg';"rL–!@=* adf]lhdsf] shf{
:jLs[lt k|:tfj k|of]u ug{' kg]{5 . ] 55
(11) u|fxssf] gfddf shf{ :jLs[lt ePkl5 ;f]sf] hfgsf/L cg';"rL–!#=! adf]lhdsf] shf{ ;'ljwf–kq
dfkm{t\ shf{ u|fxsnfO{ lbg' kg]{5 . shf{ k|jfx ug{' cl3 u|fxsaf6 cg';"rL–!#=@ adf]lhdsf] ;xdlt kq
lng' kg]{5 .
(12) :jLs[t shf{ /sd k|jfx x'g'cl3 shf{ u|fxsn] a}+snfO{ lbPsf] lwtf] b[li6aGws lnvt kf;÷/f]Ssf
/fVgsf] nflu cfjZostf cg';f/ cg';"rL–!$=! jf !$=@ adf]lhdsf] kq ;DalGwt dfnkf]t
sfof{nonfO{ n]Vg' kg]{5 . To;}u/L shf{sf] k|s[lt cg';f/ sfuhft ;'/If0f /f]Ssf /fVg ;DalGwt
sfof{nodf n]lvg] kqsf] gd'gf cg';"rL–!% / z]o/ /f]Ssfsf] nflu n]lvg] kqsf] gd'gf cg';"rL–!^
adf]lhdsf] x'g]5 .
(13) [l:y/ shf{sf] ls:tf /sd k|bfg ubf{ shf{ e'QmfgL tflnsf Ps k|lt u|fxsnfO{ k|bfg u/L Ps k|lt
u|fxsn] a'lemlnPsf] egL ;lx5fk u/fO{ shf{ ldl;ndf cBfjlws /fVg' kg]{5 . ] 56
(14) shf{sf] zLif{s÷k|s[lt cg';f/ cg';"rL–!*=@ adf]lhd shf{sf] ;b'kof]lutf lg/LIf0f k|ltj]bgsf]
cfwf/df cg';"rL !*=! sf] k|of]u u/L shf{ /sd k|jfx ug{' kg]{5 . shf{ k|jfx kZrft\ :jLs[t shf{
/sdsf] cfwf/df sfo{ljlwdf Joj:yf eP adf]lhd lgoldt ?kdf cg'udg lg/LIf0f u/L cg';"rL–
!*=@, !*=# / !*=$ adf]lhdsf] k|ltj]bg ;DalGwt u|fxssf] ldl;ndf ;dfj]z ug{' kg]{5 .
(15) shf{ e'QmfgL :jLs[lt kmf/fd÷cfGtl/s kq, ;b'kof]lutf lg/LIf0f kmf/fdx?, shf{
gjLs/0f÷k'g/tflnsLs/0f÷k'g/;+/rgfsf] lgj]bg, cf+lzs lwtf] km's'jf cflb sfo{sf]nflu k|of]u x'g]
kmf/fdx? ;DalGwt cg';"rLx?df Joj:yf eP adf]lhd x'g]5 .
(16) shf{÷;'ljwf sf/f]af/df k|of]u x'g] sfg"gL lnvtx? cg';"rL–@* adf]lhdsf] x'g]5 .
@(=shf{ k|jfx ug{'cl3 k"/f ug{'kg]{ k|lqmofx?M -!_ shf{ :jLs[t ePkZrft\ shf{ k|jfx ug'{cl3 b]xfo adf]lhdsf
k|lqmof k"/f ug'{ kg]{5M
-s_ shf{ :jLs[t x'Fbf shf{ ;'/If0f :j?k lnPsf] lwtf] ;DalGwt ;/sf/L lgsfoaf6 /f]Ssf jf lwtf]
b[li6aGws lnvt kf; ePsf] x'g' kg]{5 . lwtf] b[li6aGws lnvt kf;sf] gd'gf cg';"rL–@* adf]lhd
x'g]5 . ;jf/L ;fwg lwtf] /x]df pQm ;jf/L ;fwgsf] a}+ssf] gfddf aLdf ;d]t u/fO{ clgjfo{ ?kdf
54 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
55 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ shf{sf] k|s[lt / /sdsf] cfwf/df shf{ :jLs[lt k|:tfj cnu cnu x'g]5 . JolQmut
shf{ :jLs[lt k|:tfjsf] nflu cg';"rL–!@=! adf]lhd, ;/n s[lif shf{ :jLs[lt k|:tfjsf] nflu cg';"rL–%=! adf]lhd, ?=@) nfv;Ddsf] ;+:yfut shf{
:jLs[lt k|:tfjsf] nflu cg';"rL–!@=@ adf]lhd, ?=@) nfveGbf dfly ?=%) nfv;Ddsf] ;+:yfut shf{ :jLs[lt k|:tfjsf] nflu cg';"rL–!@=# adf]lhd,
?=%) nfveGbf a9Lsf] ;+:yfut shf{ :jLs[lt k|:tfjsf] nflu cg';"rL–!@=$ adf]lhd, d'2lt /l;b÷;'/If0fkq lwtf] shf{ :jLs[lt k|:tfjsf] nflu
cg';"rL !@=% adf]lhd, z]o/ lwtf] -dflh{g n]l08Ë_ shf{ :jLs[lt k|:tfjsf] nflu cg';"rL–%=$ adf]lhd / ;'grfFbL lwtf] shf{ :jLs[ltsf] nflu cg';"rL
%=% adf]lhdsf] :jLs[lt k|:tfj k|of]u ug{' kg]{5 .Æ k|ltZyflkt ePsf]
56 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æklxnf]k6s shf{sf] ls:tf /sd k|bfg ubf{ cg';"rL–!& adf]lhdsf] shf{ e'QmfgL :jLs[lt
kmf/fd÷cfGtl/s kqsf] k|of]u ug{' kg]{5 .Æ k|ltZyflkt ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 29

 gfd;f/L u/fpg' kg]{5 .
-v_ a}+sn] lwtf] /f]Ssf jf lwtf] b[li6aGws lnvt kf; ug{ ;DalGwt dfnkf]t sfof{nodf k7fPsf] kq
/ dfnkf]t sfof{noaf6 lwtf] /f]Ssf÷lwtf] b[li6aGws lnvt kf; eO{ cfPsf] kq÷lnvt le8fpg'
kg]{5 .
-u_ lwtf]df /x]sf] 3/÷uf]bfd÷snsf/vfgf÷ldn d]lzg/L÷;jf/L ;fwgsf] s'n d"Nof+lst /sdsf] a}+s
a]lglkml;o/L x'g] u/L aLdf lgoldt x'g' kg]{5 .
-3_ tf]lsPsf] JolQmx?af6 cg';"rL–@* adf]lhd JolQmut hdfgt lng' kg]{5 .
-ª_ u|fxsaf6 cg';"rL @* adf]lhdsf] k|f]ld;/L gf]6 e/fpg' kg]{5 . olb d~h"/Lgfdfaf6 lwtf] lnPsf]
ePdf cg';"rL @* adf]lhdsf] lwtf] d~h"/Lgfdf lbg] JolQmaf6 d~h"/Lgfdf kmf/fd / shf{ u|fxs jf
clVtof/Lk|fKt JolQmaf6 td;'s u/fpg' kg]{5 .
-r_ [shf{ :jLs[t ubf{ tf]s]sf zt{ kl/zt{x?sf] kl/kfngf u/L To:tf] zt{x?sf] clwgdf /xL shf{ k|jfx ug'{
kg]{5 . ] 57
-5_ a}+sn] dfu u/]sf sfuhftx? k]z ePsf] x'g' kg]{5 .
-h_ a}+sn] tf]s] adf]lhdsf ;a} sfg"gL, lwtf] / kl/of]hgf;Fu ;DalGwt sfuhftx?sf] /Ltk"j{s kmfOlnË /
clen]v Joj:yfkg ul/Psf] x'g' kg]{5 .
-@_ shf{sf zt{ tyf kl/zt{x? a}+ssf] k|rlnt shf{ gLlt / g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd x'g'
kg]{5 .
-#_ k|jfx ePsf] shf{ /sdsf] plrt ;b'kof]u gePsf] jf k|:tfjsf] ;DefJotf jf pko'Qmtf g/x]sf]
z+sf nfu]df a}+sn] s'g} klg ;dodf afFsL shf{ /sd k|jfx ug{ c:jLsf/ ug{ ;Sg]5 .
#)= shf{ k|jfxM
[-!_ shf{ :jLs[t eO{ bkmf -@(_ sf] k|lqmof k"/f ePkl5 b]xfo adf]lhd shf{ k|jfx ug'{ kg]{5M
-s_ sfof{nosf] clwsf/ ;Ldf leqsf shf{sf] xsdf ;f]xL sfof{non] pk–bkmf -@_ adf]lhd shf{ k|jfx
ug'{ kb{5 .
-v_ zfvf sfof{noaf6 :jLs[t ePsf] shf{ ;'ljwfsf] ;Ldf k|b]z sfof{nodf /x]sf] shf{ k|zf;g zfvfn]
/ k|b]z sfof{no÷d'Vo sfof{noaf6 :jLs[t ePsf] shf{ ;'ljwfsf] ;Ldf d'Vo sfof{nodf /x]sf]
shf{ k|zf;g zfvfn] a}+ssf] sf]/ a}+lsË l;:6ddf k|ljli6 ug]{5 . shf{ k|zf;g zfvfn] ;DalGwt
sfof{noaf6 k|fKt ePsf] cg';"rL #! adf]lhdsf sfuhftx? r]s hfFr u/L a}+ssf] sf]/ a}+lsË
l;:6ddf u|fxssf] :jLs[t lnld6 sfod ug'{ kg]{5 .
-@_ shf{ /sd k|jfx ubf{ b]xfo adf]lhdsf] ljlw ckgfpg' kg]{5M
-s_ sf]/ a}+lsË l;:6d nfu" ePsf÷a}+lsË ePsf sfof{nodf :jLs[t shf{ /sd ;DalGwt u|fxssf] o;
a}+sdf /x]sf] rNtL jf shf{ vftfdf hDdf u/]/ .
-v_ sf]/ a}+lsË l;:6d nfu" gePsf sfof{nodf a}+s lgodfg';f/ csf]{ a}+ssf] r]s lgisf;g u/]/ .
-u_ u|fxssf] ;fdfg cfk"lt{stf{nfO{ Account Payee r]s dfkm{t\ e'QmfgL lbP/ . ] 58
#!= shf{ k|jfx k|lqmofM -!_ :jLs[t shf{ /sddWo]af6 ls:tf /sd k|jfx ubf{ b]xfo adf]lhd ug{' kg]{5M
-s_ [..] 59

57 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ:jLs[t shf{ k|jfx ubf{ tf]s]sf zt{ kl/zt{x?sf] kl/kfngf ePsf] x'g' kg]{5 .Æ k|ltZyflkt
ePsf]
58 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æshf{ /sd k|jfx ubf{ b]xfo adf]lhdsf] ljlw ckgfpg ;lsg]5M
-s_ l;ljP; nfu" ePsf÷a}+lsË ePsf sfof{nodf :jLs[t shf{ /sd u|fxssf] ;DalGwt sfof{no jf cGo sfof{nodf /x]sf] rNtL jf shf{
vftfdf hDdf u/]/ .
-v_ a}+lsË gePsf sfof{nodf a}+s lgodfg';f/ csf]{ a}+ssf] r]s lgisf;g u/]/ jf u|fxsnfO{ gub /sd g} e'QmfgL lbP/ . o;/L gub /sd dfkm{t\
e'QmfgL lbbf ?=%),))).– eGbf a9L lbg kfOg] 5}g .
-u_ u|fxssf] ;fdfg cfk"lt{stf{nfO{ Account Payee r]sdfkm{t\ e'QmfgL lbP/ .Æ k|ltZyflkt ePsf]
59 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ rNtL vftfaf6 shf{ sf/f]af/ ug]{ u|fxssf] xsdfM

30 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 -v_ shf{ vftfaf6 sf/f]af/ ug]{ u|fxssf] xsdfM
-c_ :jLs[t ePsf] shf{ /sddWo] k|bfg ul/g] ls:tf /sd a/fa/ a}+ssf] k|rlnt Core Banking
System df shf{ ;Ldf -Loan Limit_ sfod ug{' kg]{5 . shf{sf] ;b'kof]lutfsf] cfwf/df yk
ls:tf /sd k|bfg ul/g] ePsf]n] ;f]sf] cfwf/df :jLs[t shf{sf] s'n ;Ldf /sd;Dd ls:tf /sd
ylkb} ubf{ shf{sf] ;Ldf /sd yk x'Fb} hfg]5 . o;/L ls:tfsf] cfwf/df shf{ ;Ldf yk ub}{ hfbf
:jLs[t s'n shf{sf] ;Ldf g3fpg kfOg] 5}g .
-cf_ shf{ ;Ldf gf3\g] u/L shf{ vftfaf6 /sd lemSg kfOg] 5}g . u|fxsaf6 c;"n ug{'kg]{ Jofh /sd
:jLs[t ;Ldf ggf3\g] u/L lghsf] shf{ vftfaf6 c;"npk/ ug{' kg]{5 .
-O_ shf{ u|fxsn] cfˆgf] :jLs[t rfn' k'FhL shf{ ;Ldfleqsf] /sd p:sf] shf{ vftfaf6 lemSg] tyf
hDdf x'g;Sg] :jrflnt -_ ;'ljwf a}+ssf] k|rlnt df ePdf ;f] cg';f/ u|fxssf] gfddf afFsL
/xg] shf{ /sd :jrflnt -_ ?kdf 36\g]÷a9\g] x'g]5 . nfu" ePsf h'g;'s} sfof{noaf6 dfly
pNn]lvt shf{ vftfaf6 /sd lemSg] tyf hDdf x'g;Sg] :jrflnt -Automatic_ ;'ljwf pkof]u
ug{ ;lsg]5 . o;sf] nflu shf{sf] ls:tf dfu ug]{ cg';"rL !*=! adf]lhdsf] lgj]bg cfjZos
kg]{ 5}g . t/ klxnf] k6s shf{sf] ls:tf dfu ug{sf] nflu cg';"rL !& adf]lhdsf] shf{ e'QmfgL
:jLs[lt kmf/fd eg] cfjZos kg]{5 .
-O{_ l;ljP; nfu" ePsf sfof{nox?df shf{ vftfaf6 shf{ sf/f]af/ ug]{ ;DaGwdf cGo Joj:yf
a}+ssf] k|rlnt Account Loan Module ;DaGwL dfu{bz{g jf Dofg'cndf Joj:yf ul/Padf]lhd
x'g]5 .
-@_ u|fxsaf6 cg';"rL !*=! adf]lhdsf] lgj]bg k|fKt ePkZrft\ ;f]sf] ?h' u/L :jLs[t shf{ ;Ldfleq
/xL shf{sf] ls:tf k|jfx ug{' kg]{5 .
-s_ l;ljP; nfu" gePsf a}+lsË sfof{nodf shf{ zfvfn] /sd e'QmfgLsf] nflu sfp06/ zfvfdf
cfGtl/s kq k7fpg' kg]{5 . cfGtl/s kqsf] ?h' u/L sfp06/ zfvfn] u|fxssf] gfddf shf{
hgfO{ /sd e'QmfgL lbg' kg]{5 . sfp06/ zfvfn] shf{ /sdsf] e'QmfgL lbPkl5 ;f]sf]
clen]vf+sgsf]nflu n]vf zfvfnfO{ cfjZos hfgsf/L lbg' kg]{5 .
-v_ l;ljP; nfu" gePsf / a}+lsË gePsf sfof{nodf shf{ zfvfn] /sd e'QmfgLsf] nflu
l;kmfl/z;fy n]vf zfvfdf cfGtl/s kq k7fpg' kg]{5 . cfGtl/s kqsf] ?h' u/L n]vf zfvfn]
u|fxssf] gfddf shf{ hgfO{ /sd e'QmfgL lbg] Joj:yf ldnfpg' kg]{5 .
-#_ [Ps eGbf a9L ls:tfdf k|jfx ug]{ u/L :jLs[t ePsf] l:y/ shf{sf] xsdf yk ls:tf k|bfg ug'{
cl3 u|fxsn] shf{ /sd k"0f{ ;b'kof]u ePsf] k|df0f k]z ug{' kg]{5 . o:tf] k|df0faf6 sfof{no
cfZj:t gePdf clgjfo{ ?kdf kl/of]hgf:yn e|d0f u/L k|bfg ePsf] shf{ /sd ;b'kof]u eP
gePsf] PsLg u/L] 60 cg';"rL !*=@ adf]lhdsf] shf{ ;b'kof]lutf lg/LIf0f, l;kmfl/z tyf lg0f{osf]
kmf/fd e/L u|fxsnfO{ shf{sf] [yk] 61 ls:tf k|bfg ug{]÷gug{]af/] l;kmfl/z u/L k|aGws ;dIf k]z
ug'{ kg]{5 / k|aGwsaf6 lg0f{o u/fpg' kb{5 . [o;/L shf{ k|jfx ug]{ lg0f{o ePkl5 shf{ :jLs[t ug]{
clwsf/ ;Ldfsf cfwf/df ;DalGwt sfof{no jf k|b]z sfof{nosf] shf{ k|zf;g zfvf÷OsfO{ jf
d'Vo sfof{nosf] shf{ k|zf;g zfvf÷OsfO{ dfkm{t\ shf{ k|jfx ug'{ kg]{5 .] 62t/ shf{sf] k|s[lt
cg';f/ :jLs[t shf{ /sd Ps} ls:tfdf ;d]t k|bfg ug{ ;lsg]5 .
-$_ shf{ :jLs[ltsf] ;dodf g} cfjlws shf{sf] ls:tf /sd k|bfg ug]{ ;do tflnsf lgwf{/0f u/L
u|fxsn] shf{sf] klxnf] ls:tf dfu ubf{ cg';"rL !& adf]lhdsf] lgj]bg lbg' kg]{5 . dfu eP adf]lhd a}+ssf] k|rlnt l;:6ddf shf{sf] :jLs[t ;Ldf sfod
u/L shf{sf] ;b'kof]lutfsf] cfwf/df ls:tf /sd k|jfx ug{' kg]{5 .Æ k|ltZyflkt ePsf]
60 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æshf{sf] klxnf] ls:tf k|bfg u/]kl5 csf{] ls:tf k|bfg ug'{cl3 sfof{non] clgjfo{ ?kdf
kl/of]hgf:yn e|d0f u/L k|bfg ePsf] shf{ /sd ;b'kof]u eP gePsf] PsLg ug{' kg]{5 .Æ k|ltZyflkt ePsf]
61 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æcsf]{Æ k|ltZyflkt ePsf]
62 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 31

 ;f]xL cg';f/ ls:tf /sd k|bfg ub}{ hfg' kg]{5 . o;/L ls:tf /sd k|bfg ubf{ u|]; cjlwleqdf g} ;Dk"0f{
ls:tf /sd k|bfg ug]{ ;do tflnsf lgwf{/0f ug{' kg]{5 .
-%_ shf{ :jLs[t ubf{ tf]lsPsf zt{ kl/zt{x? kfngf gePdf a}+sn] s'g} klg ;dodf afFsL ls:tf
k|bfg ug{ /f]s nufpg ;Sg] / k|bfg eO{;s]sf] shf{ /sd c;"nLsf nflu sf/jfxL cufl8 a9fpg
;Sg]5 .
#@= shf{ k|jfxdf ;+nUg sd{rf/Lx?sf] lhDd]jf/LM :jLs[t shf{ / ;f]sf] ls:tf /sd k|jfx k|lqmofdf ;+nUg
sd{rf/Lx?sf] bfloTj b]xfo adf]lhd x'g]5M
-s_ shf{ zfvfdf sfo{/t sd{rf/Lsf] lhDd]jf/LM
(1) u|fxsn] shf{sf] ls:tf /sd k|fKt ug{ lbPsf] lgj]bg ?h' ug]{ .
(2) shf{sf] :jLs[t ;Ldf gf3\g] u/L shf{ /sd dfu eP÷gePsf] Plsg ug]{ .
(3) shf{sf] ;fFjf Jofhsf] e'QmfgL lgoldt ?kdf ;dodf g} eP÷gePsf] Plsg ug]{ .
(4) shf{ /sd ;b'kof]u eP÷gePsf] PsLg ug]{ .
(5) shf{ :jLs[t ug]{ ;Gbe{df /flvPsf] cGo zt{ kl/zt{x?sf] kfngf eP÷gePsf] Plsg ug]{ .
(6) shf{ ldl;ndf sfuhftx? cBfjlws u/L ldl;n ;'/lIft;fy /fVg] .
(7) l;ljP; nfu" ePsf sfof{nox?df :jLs[t ;Ldfleq /xL ls:tf /sd u|fxssf] shf{÷rNtL
vftfdf hDdf ug]{ / l;ljP; nfu" gePsf sfof{nox?df u|fxssf] gfddf shf{ hgfO{ shf{sf]
ls:tf /sd k|jfx ug{ n]vf zfvf÷sfp06/ zfvfnfO{ l;kmfl/z;lxt cfGtl/s kq k7fpg] .[
(8) Drawing Power ggf3]sf] olsg u/L shf{ k|jfx ug]{ . ] 63
-v_ n]vf zfvfdf sfo{/t sd{rf/Lsf] lhDd]jf/L -l;ljP; nfu" gePsf sfof{nox?df dfq_M
(1) u|fxsaf6 dfu ePsf] ls:tf /sd / ;f]cg';f/ shf{ zfvfaf6 tof/ ePsf] cfGt/Ls kq ?h' ug]{ .
(2) shf{sf] :jLs[t ;Ldf gf3\g] u/L shf{ /sd k|jfx eP÷gePsf] Plsg ug]{ .
(3) n]vf zLif{scg';f/sf] shf{sf] zLif{s ldn]÷gldn]sf] Plsg ug]{ .
(4) tf]lsPsf] Jofhb/ a}+ssf] k|rlnt Jofhb/ cg';f/ ldn]÷gldn]sf] Plsg ug]{ .
(5) shf{ /sd k|jfxsf] nflu cfjZos km08sf] Joj:yf ldnfpg] / ;f]sf] pko'Qm zLif{sdf
clen]vf+sg ug]{ .
-u_ gub sf/f]af/ zfvfdf sfo{/t sd{rf/Lsf] lhDd]jf/L -l;ljP; nfu" gePsf sfof{nox?df dfq_M
(1) shf{ zfvfaf6 k|fKt cfGtl/s kqsf] ?h' u/L ;f]df pNn]lvt shf{sf] ls:tf /sd a}+ssf]
k|rngdf /x]sf] System df u|fxssf] gfddf shf{ hgfO{ e'QmfgL lbg] .
(2) shf{sf] :jLs[t ;Ldf gf3\g] u/L shf{ /sd k|jfx eP÷gePsf] PsLg ug]{ .
(3) n]vf zLif{scg';f/sf] shf{sf] zLif{s ldn]÷gldn]sf] PsLg ug]{ .
(4) shf{ /sd k|jfxsf] nflu cfjZos km08sf] Joj:yf ldnfpg] .
(5) shf{ /sd k|jfx ePkl5 ;f]sf] clen]vf+sgsf] nflu n]vf zfvfdf cfjZos hfgsf/L lbg'
kg]{ .
##= shf{ x:tfGt/0f ug{ ;lsg]M b]xfosf] cj:yfdf Pp6f u|fxssf gfpdf :jLs[t ePsf] shf{ csf]{ u|fxsnfO{
x:tfGt/0f ug{ ;lsg] 5M
-s_ shf{ u|fxsn] lnPsf] shf{ ;f]xL p2]Zo / zt{df cGo u|fxsn] ;sf/ u/L kl/of]hgf ;+rfng ug{ d~h"/
u/L shf{ u|fxs / shf{ ;sf/ ug{ rfxg] u|fxssf] tkm{af6 cflwsf/Ls ?kdf tf]lsPsf k|ltlglwsf]
;+o'Qm lgj]bg k/]df .
-v_ s'g} kl/of]hgf b'O{ jf b'O{ eGbf a9L ;fem]bf/x?÷;+rfnsx?n] ;+o'Qm ?kdf ;+rfng e}/fv]sf] cj:yfdf
ljleGg sf/0fx?jf6 kl/of]hgf lgoldt ?kdf ;+rfng x'g g;s]sf] cj:yfdf ;fem]bf/x?÷;+rfnsx?dWo]
s]xLn] shf{ x:tfGt/0f u/L kl/of]hgf ;+rfng ug{ rfx]sf] cj:yfdf .
63 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

32 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 -u_ kmd{÷sDkgLsf] gfd jf :j?kdf kl/jt{g ePsf] cj:yfdf .
[-3_ ;fem]bf/L ;+:yf jf sDkgLsf] z]o/ ;+/rgf kl/jt{g ug'{ kg]{ ePdf . t/ o:tf] kl/jt{g ug'{ cl3 o;
a}+ssf] k"j{ :jLs[lt lng' kg]{5 .
-ª_ kmd{ jf ;fem]bf/L ;+:yf vf/]h eO{ xfn /x]sf] nufgLstf{ dfq z]o/wgL /xg] u/L, kmd{ jf ;fem]bf/L
;+:yfsf nufgLstf{sf] nufgLsf] cg'kft ;d]t klxn]sf] ;/x x'g] u/L tyf g]6jy{ -Net worth_ g36\g] u/L
sDkgLsf] ?kdf btf{ ePsf] cj:yfdf . t/ sDkgL btf{ ug'{ cl3 a}+ssf] cg'dlt lng' kg]{5 . ] 64

#$= shf{ x:tfGt/0f k|lqmofM bkmf ## adf]lhd Pp6f u|fxssf gfpdf :jLs[t ePsf] shf{ csf]{ u|fxsnfO{
x:tfGt/0f ubf{ b]xfosf k|lqmof cjnDjg ug{' kg]{5M
-s_ shf{ x:tfGt/0f ug{ ;lsg] cj:yf jf/] bkmf ## sf] -s_ Dff pNn]v ul/P adf]lhd shf{ x:tfGt/0f ug{
rfxg] / shf{ ;sf/ ug{ rfxg] b'a} kIfsf tkm{af6 sf/0f vf]nL ;+o'Qm lgj]bg k|fKt ePkl5 sfof{non] shf{
;sf/ ug{ rfxg] u|fxsn] lbg] lwtf] ;'/If0fsf] :ynut lg/LIf0f u/L k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL
sfo{ljlw adf]lhd d"Nof+sgsf] k|lqmof cufl8 a9fpg' kg]{5 .
-v_ shf{ x:tfGt/0f ubf{ gofF shf{ u|fxs ;/x dfgL cg';"rL $ jdf]lhdsf] sfuhftx? lnO{ zt{ ;'ljwf ;d]t
tf]]sL cfˆgf] clwsf/ ;Ldf;Ddsf] shf{ x:tfGt/0f ;DaGwL lg0f{o ug{' kg]{5 .
-u_ :yfoL k'FhLdf shf{ afFsL x'Fbfx'Fb} shf{ x:tfGt/0f ubf{ kl/of]hgf:ynsf] :jfldTj clgjfo{ x:tfGt/0f ug'{
kg{]5 .
-3_ shf{ x:tfGt/0f ubf{ efvf gf3]sf] shf{, kfpg'kg]{ Jofh tyf cGo z'Ns r'Qmf u/]sf] x'g' kg]{5 .
-ª_ shf{ x:tfGt/0f ug{ :jLs[t ePkl5 gofF u|fxs;Fu lwtf] ;DaGwL ;Ssn sfuhft lnO{ lwtf] /f]Ssf÷lwtf]
b[li6aGws lnvt kf; u/L td;'s÷d~h"/Lgfdf u/fO{ ;Dk"0f{ k|lqmof k"/f eO{ ;s]kl5dfq k"/fgf] shf{
u|fxssf] lwtf] k'ms'jf u/L lbg' kg]{5 .
#%= shf{ x:tfGt/0f ;DaGwL clwsf/M shf{ :jLs[t ug]{ clwsf/ ;Ldf;Ddsf] shf{ ;DalGwt sfof{non]
shf{ x:tfGt/0f ;DaGwL lg0f{o u/L shf{ x:tfGt/0f u/L lng] sfof{nonfO{ shf{ x:tfGt/0f ug{ ;Sg]5 .
shf{ :jLs[t ug{] clwsf/ ;LdfeGbf a9L /sdsf] shf{sf] xsdf ;DalGwt sfof{no÷If]qLo sfof{nosf]
l;kmfl/zdf shf{ :jLs[t ug]{ clwsf/ ePsf] sfof{non] dfq shf{ x:tfGt/0f ug{ ;Sg]5 . shf{ x:tfGt/0f
u/L lbg] / lng] b'j} sfof{non] x:tfGt/0f ul/ lbg / lng lg0f{o ug'{ kg]{5 . shf{ x:tfGt/0f u/L lbbf / lnbf
sfof{nosf] sfo{ If]qsf] af/]df ;d]t Wofg lbg' kg]{5 . shf{ x:tfGt/0f ubf{ nfUg] z'Nssf] ljifodf a}+sn] ;do
;dodf tf]s] cg';f/ x'g]5 .
#^= lwtf]wgLsf] d[To" eO{ lwtf] gfd;f/L ug]{ ;DaGwdfM shf{ afFsL /x]s} cj:yfdf lwtf]wgLsf] d[To" ePsf]
k|df0f;lxt lghsf] ;DklQsf] c+lzof/ jf xsjfnfn] a}+sdf /fv]sf] lwtf] gfd;f/L u/fpg lgj]bg lbPdf shf{
u|fxssf] gfddf afFsL /x]sf] shf{ /sd r'Qmf u/fP/ [jf s"n shf{ ;Ldf /sdnfO{ vfDg] csf]{ j}slNks lwtf]
lnP/] 65 lwtf] gfd;f/L ug{ ;lsg] 5 .
#&=shf{ ;DjGwL ljljw Joj:yfM b]xfo adf]lhdsf] cj:yfdf b]xfo adf]lhdsf] k|s[of cjnDjg ug'{ kg]{5M
-s_ :jLs[t shf{ ;do ;Ldfleq pkof]u gu/]dfM shf{ :jLs[t ePsf] ldltn] ^ dlxgf;Dd shf{ pkof]u
gu/]sf u|fxsn] ;f] ;dofjlwkl5 :jLs[t shf{ pkof]u ug{ O{R5's ePdf lwtf] tyf kl/of]hgfsf]
:ynut lg/LIf0f u/L ;f]sf] k|ltj]bgsf] cfwf/df tf]lsPsf] ;]jf z'Nssf] cltl/Qm %) k|ltzt yk ;]jf
z'Ns lnO{ k|aGwsn] :jLs[t shf{ /sd k|bfg ug{ ;Sg]5 t/ :jLs[t ePsf] ! jif{leq shf{ pkof]u
gu/]df :jLs[t shf{ ;Ldf :jtM /4 x'g]5 .
-v_ kmd{ jf sDkgLsf] gfddf shf{ :jLs[t ug{'kg]{M JolQmut kmd{÷;fem]bf/L kmd{÷k|fOe]6 lnld6]8

64 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

65
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 33

 sDkgL÷klAns lnld6]8 sDkgLnfO{ shf{ :jLs[t ubf{ clgjfo{ ?kdf ;f]xL JolQmut kmd{÷;fem]bf/L
kmd{÷k|fOe]6 lnld6]8 sDkgL÷klAns lnld6]8 sDkgLsf] gfddf g} shf{ :jLs[t ug'{ kg]{5 . o;/L
kmd{÷sDkgLsf] gfddf shf{ :jLs[t ubf{ ;DalGwt kmd{÷sDkgLsf] p4]Zo÷sfdx? tyf ;DalGwt
lgsfoaf6 lnOPsf] Ohfht kqdf pNn]v ePsf] sfo{ ug{sf] nflu ;f]xL p4]Zodf shf{ :jLs[t ug{'
kg]{5 .
-u_ u}/ gfkmfd"ns ;fdflhs ;+3 ;+:yfx?nfO{ shf{ pknAw u/fpg g;lsg]M u}/ gfkmfd"ns ;fdflhs
;+3 ;+:yfx?nfO{ shf{ k|bfg ul/g] 5}g .
-3_ [Psf3/ kl/jf/sf ;b:ox?nfO{ shf{ k|bfg ug{ ;lsg]M M Psf3/ kl/jf/sf ;b:ox?sf] gfddf tyf
lgh u|fxssf] Psf3/ kl/jf/sf ;b:ox? ;+nUg ePsf] kmd{÷;+:yf÷sDkgLnfO{ shf{ k|bfg ug{ afwf
k'Ug] 5}g . ] 66 lghsf Psf3/ kl/jf/sf ;b:ox? ;+nUg kmd{÷;+:yf÷sDkgLnfO{ k|bfg ul/Psf]
shf{nfO{ Psn u|fxs shf{ ;Ldf u0fgf ug]{ ;Gbe{df ;dfj]z ug'{ kg]{5 .
-ª_ Pp6f u|fxsnfO{ PseGbf a9L sfof{noaf6 shf{ lbg gkfOg]M
[-!_ ;fdfGotof Pp6f u|fxsnfO{ PseGbf a9L sfof{noaf6 shf{ ;'ljwf lbg kfOg] 5}g t/ u|fxsn]
shf{ ;'ljwf sf/f]af/ ul//x]sf] sfof{nodf ;f]xL u|fxsn] csf]{ zLif{s÷p4]Zodf shf{ ;'ljwf
lng vf]h]df / pQm zLif{s÷p4]Zosf] shf{ ;'ljwf pQm sfof{noaf6 k|jfx ug{] Joj:yf g/x]sf]
cj:yfdf csf]{ sfof{noaf6 shf{ ;'ljwf k|jfx ug{nfO{ aGb]h /xg] 5}g .
-@_ dfly a'Fbf -!_ df h'g;'s} Joj:yf pNn]v ePtfklg s'g} sfof{nodf lwtf] b[li6aGws lnvt
kf; eO{ shf{÷;'ljwf sf/f]af/ ul//x]sf] 7"nf ;+:yfut u|fxsn] pQm sfof{noaf6 dfq
shf{÷;'ljwf sf/f]af/ gu/L csf]{ sfof{noaf6 ;d]t shf{÷;'ljwf sf/f]af/ ug{ rfx]df csf]{
sfof{noaf6 ;d]t sf/f]af/ ug{ :jLs[lt lbg ;lsg] 5 . cfˆgf] k|b]z sfof{no cGtu{tsf] csf]{
s'g} sfof{noaf6 sf/f]af/ ug]{ ePdf ;DalGwt k|b]z sfof{noaf6 / cfˆgf] k|b]z sfof{no If]q
aflx/sf] sfof{noaf6 shf{÷;'ljwf sf/f]af/ ug{ rfx]df shf{sf] k|s[lt cg';f/ ;DalGwt
ljefuaf6 :jLs[lt lng' kg]{5 . u|fxsn] cnu cnu sfof{noaf6 sf/f]af/ ug{ ;Sg] ePtfklg
u|fxs gDa/ -Customer ID_ Pp6} x'g' kg]{5 .] 67
-r_ sDkgLsf] r'Qmf k'FhL / shf{ /sd ;DaGwdfM sDkgLsf] ;+rfns ;ldltn] z]o/wgLx?sf] ;fwf/0f
;efaf6 sDkgLsf] r'Qmf k'FhL tyf cl3Nnf] cfly{s jif{sf] ;+lrt d'gfkmfsf] of]ukmneGbf a9L shf{
lng] af/] ljz]if k|:tfj kfl/t u/fPdf kl/of]hgfsf] Ifdtf, ;DefJotf / lwtf]sf] cfwf/df pQm sDkgLsf]
r'Qmf k'FhL tyf cl3Nnf] cfly{s jif{sf] ;l~rt d'gfkmfsf] of]ukmneGbf a9L /sd;Dd shf{ k|bfg ug{
;lsg]5 .
-5_ ;fdfGotof ;Dk"0f{ shf{ r'Qmf gu/L kmd{÷sDkgLsf] gfd jf :j?k kl/jt{g ug{ kfOg] 5}g . olb
kmd{÷sDkgLsf] gfd jf :j?k kl/jt{g ePdf kl/jt{g ePsf] gofF kmd{÷sDkgLaf6 sf/f]af/ z'?
ug{'cl3 b]xfosf k|lqmofx? clgjfo{?kdf kfngf ug{' kg]{5 .
-c_ gfd kl/jt{g eO{ sfod ePsf] kmd{÷sDkgLsf] gofF gfdaf6 a}+lsË tyf shf{÷;'ljwf

66
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æ Psf3/ kl/jf/sf] Ps ;b:onfO{ dfq shf{ k|bfg ug{ ;lsg]M
Psf3/ kl/jf/sf Ps ;b:osf] gfddf afx]s cGo ;b:ox?nfO{ shf{ k|bfg ul/g] 5}g t/ lgh u|fxssf] Psf3/ kl/jf/sf cGo ;b:ox?
;+nUg ePsf] kmd{÷;+:yf÷sDkgLnfO{ shf{ k|bfg ug{ afwf k'Ug] 5}g . Æ eÌ] Joj:yf k|lt:yfkg ePsf]
67
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æ Pp6f u|fxsnfO{ PseGbf a9L sfof{noaf6 shf{ lbg kfOg]
5}g t/ u|fxsn] shf{ sf/f]af/ ul//x]sf] sfof{nodf ;f]xL u|fxsn] csf]{ zLif{s÷p4]Zodf shf{ lng vf]h]df / pQm zLif{s÷p4]Zosf] shf{ pQm
sfof{noaf6 k|jfx ug{] Joj:yf g/x]sf] cj:yfdf csf]{ sfof{noaf6 shf{ k|jfx ug{nfO{ aGb]h /xg] 5}g .Æ eÌ] Joj:yfnfO{ æ Pp6f u|fxsnfO{
PseGbf a9L sfof{noaf6 shf{ lbg kfOg] 5}g t/ ;DalGwt sfof{no / If]qLo sfof{nosf] l;kmfl/; tyf cf}lRottf k'i6\ofO{sf] cfwf/df
;DalGwt ljefun] Pp6f u|fxsnfO{ PseGbf a9L sfof{noaf6 shf{ sf/f]jf/ ug{ :jLs[lt lbg ;Sg] 5 . Pp6f sfof{nodf shf{ sf/f]jf/
ul//x]sf] u|fxsn] csf]{ zLif{s÷p4]Zodf csf]{ sfof{noaf6 shf{ lng vf]h]df xfn dfu u/]sf] zLif{s÷p4]Zosf] shf{ ;fljs sfof{noaf6 k|jfx
ug{] Joj:yf g/x]sf] cj:yfdf csf]{ sfof{noaf6 shf{ k|jfx ug{nfO{ afwf k'Ug] 5}g .Æ k|lt:yfkg ePsf]df k'gM ;~rfns ;ldltsf] ldlt
@)&&.!@.@% sf] lg0f{o adf]lhd k|ltZyfkg ePsf]

34 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 sf/f]jf/ u/fpg' cl3 pQm u|fxsnfO{ gofF gfdaf6 shf{÷;'ljwf sf/f]jf/ ug'{ cl3 k]z
ug'{kg]{ cg';"rL $ adf]lhdsf] ;Dk"0f{ sfuhft k]z ug{ nufpg' kg]{5 .
-cf_ k"j{ kmd{ jf sDkgLsf] gfddf /x]sf] / /xg;Sg] ;Dk"0f{ bfloTj tyf ;DklQ ;d]t gfd
kl/jt{g eO{ sfod ePsf] kmd{ jf sDkgLn] :jLsf/ ug]{ lnlvt k|ltj¢tf ;d]t v'n]sf]
sfuhft lnP/ dfq u|fxssf] gofF gfdaf6 sf/f]jf/ ug{ nufpg' kg]{5 .
-O_ gofF gfdaf6 shf{÷;'ljwf sf/f]af/ ug]{ [kmd{÷sDkgLn] ;DalGwt dfnkf]t sfof{nodf
a}+ssf] gfddf lwtf] b[li6aGws lnvt kf; u/L a}+sn] tf]s]sf cGo sfg"gL k|lqmofx? ;d]t
k'/f ug{' kg]{5 .] 68
[-h_ sfof{nosf] shf{ tyf ;'ljwf sf/f]af/ :jLs[t ug{ ;Sg] clwsf/ ;Ldfleq :jLs[t ePsf] shf{
tyf ;'ljwf sf/f]af/sf] s'n ;Ldf oyfjt sfod /xg] u/L shf{ tyf ;'ljwf sf/f]af/sf] aSof}tf -
Outstanding_ /sdsf] nflu a}+s lgodfg';f/ cfjZos kg]{ lwtf] d"Nof+sg /sd afx]s kmflhn -
Vacant_ /x]sf] lwtf] d"Nof+sg /sd shf{ jf ;'ljwf sf/f]af/sf] nflu Ps csf]{df pkof]u ug{
;lsg]5 . shf{sf] nflu lnPsf] lwtf] ;'ljwf sf/f]af/sf] nflu / ;'ljwf sf/f]af/sf] nflu lnPsf]
lwtf] shf{sf] nflu k|of]u ug{ ;lsg]5 . yk Joj:yf b]xfo adf]lhd x'g]5 .
-c_ pkbkmf -h_ df pNn]v ePsf] pQm ;'ljwf pkof]u ug{sf] nflu u|fxsaf6 lgj]bg lnO{
;DalGwt sfof{non] lg0f{o ug'{ kg]{5 . shf{ tyf ;'ljwf sf/f]af/sf] ;Ldf :jLs[t u/L
u|fxsnfO{ k|bfg ul/g] shf{ ;'ljwf kqdf ;d]t o; k|sf/sf] ;'ljwf k|of]u ug{ ;lsg] Joxf]/f
pNn]v ug{' kg]{5 .
-cf_ sfof{nosf] shf{ tyf ;'ljwf sf/f]af/sf] :jLs[t ug{ ;Sg] clwsf/ ;Ldf eGbf a9Lsf] xsdf
lwtf] d"Nof+sg /sd :yfgfGt/0fsf] nflu u|fxsn] dfu u/]df ;DalGwt sfof{nosf] l;kmfl/;df
If]qLo sfof{no tyf If]qLo sfof{nosf] shf{ tyf ;'ljwf sf/f]af/sf] :jLs[t ug{ ;Sg]
clwsf/ ;Ldf eGbf a9L ePdf ;DalGwt sfof{no tyf If]qLo sfof{nosf] l;kmfl/;df
cf}lrTotfsf] cfwf/df pkbkmf -h_ df pNn]lvt clwsf/ ;DalGwt sfof{nonfO{ k|bfg ug{
;lsg] 5 .
-O_ pkbkmf -h_ df h];'s} pNn]v ePtfklg shf{ sf/f]jf/ dfq ug]{ u|fxsnfO{ pNn]lvt clwsf/
k|bfg ug{ ;lsg] 5}g . shf{ sf/f]af/ dfq ug]{ u|fxssf] xsdf s'n shf{ ;Ldf /sdnfO{
clgjfo{ ?kdf a}+s lgodfg';f/sf] lwtf] d"Nof+sg /sdn] vfDg' kg]{5 .] 69
[-em_ shf{ e'QmfgL cfDbfgL cg'kft (Debt Service to Gross Income Ratio) sfod ug]{ ;DaGwdfM
a}+sn] JolQmut k|s[ltsf cfjlws shf{, 3/ shf{ tyf xfo/ kr]{h shf{ nufotsf ls:tf
e'QmfgLdf cfwfl/t u}/ Jofj;flos shf{ k|jfx ubf{ shf{ e'QmfgL cfDbfgL cg'kftsf] clwstd
;Ldf %) k|ltzt sfod ug'{ kg]{5 . t/ :jk|of]hgsf nflu lgdf{0f÷vl/b ul/g] klxnf] 3/ shf{sf
nflu shf{ e'QmfgL cfDbfgL cg'kft -DTI_ clwstd ^) k|ltzt sfod ug{ ;lsg]5 . shf{ e'QmfgL
cfDbfgL cg'kftsf] clwstd ;Ldf g]kfn /fi6« a}+sn] kl/jt{g u/]df ;f]xL adf]lhd x'g]5 . ] 70
#*=shf{ gjLs/0f ug{ ;lsg]M -!_ a}+sn] k|jfx u/]sf] rfn' k'FhL k|s[ltsf shf{x? gjLs/0f ug{ ;lsg]5 .
-@_ shf{ gjLs/0f ug{ ;lsg] cj:yfM a}+sn] k|jfx u/]sf] rfn' k'FhL k|s[ltsf shf{x? b]xfosf]
cj:yfx? k"/f ePdfdfq gjLs/0f ug{ ;lsg]5 . shf{ ;Ldf gjLs/0f ubf{ ;a} kIfx?sf] ljZn]if0f u/L shf{
;Ldf gjLs/0fsf] cf}lrTotf k'li6 x'g' kg]{5 .
-s_ shf{ lnld6 gjLs/0fsf] nflu cfjZos kg]{ cg';"rL $ adf]lhdsf sfuhftx? k]z u/]df .
68 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ kmd{÷sDkgLnfO{ yk shf{ :jLs[t ubf{ dfq ;DalGwt dfnkf]t sfof{nodf a}+ssf] gfddf
lwtf] b[li6aGws lnvt kf; u/L cGo sfg"gL k|lqmof k"/f ug{ nufpg' kg]{5 .Æ k|ltZyflkt ePsf]
69
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf]
70 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 35

 -v_ shf{ :jLs[t ubf{ tf]lsPsf ;Dk"0f{ zt{÷kl/zt{x?sf] kfngf ePdf .
-u_ k|jflxt shf{ /sd ;b'kof]u ePdf .
-3_ sfod ug'{kg]{ Go"gtd :6s / kfpg'kg]{ lx;fj vftf :jLsf/of]Uo txdf /x]df .
-ª_ Jofh dfl;s?kdf a'emfPdf÷Jofh aSof}tf g/x]df .
-r_ shf{sf] e'QmfgL cjlw sfod /x]df .
-5_ shf{sf] nflu lnPsf] ;'/If0f kof{Kt /x]df .
-h_ kl/of]hgf lgoldt ?kdf ;+rfng ePdf .
-em_ u|fxsn] k]z u/]sf] Joj;flos sfo{ of]hgf cg';f/ kl/of]hgf ;+rfngdf /x]df .
-#_ shf{ gjLs/0f ug]{ clwsf/ ;LdfM shf{ gjLs/0f ug]{ clwsf/ ;Ldf b]xfo adf]lhd
x'g]5M
-s_ [shf{ gjLs/0f ug]{ clwsf/ shf{ :jLs[t ug]{ clwsf/ ;Ldf ;/x x'g]5 . [t/ ;+rfns ;ldltaf6
:jLs[t ePsf] shf{÷;'ljwfsf] gjLs/0f ubf{ pQm shf{÷;'ljwf :jLs[t ug]{ ;dodf tf]lsPsf s'g} klg
zt{df kl/jt{g gu/L gjLs/0f ug{' kg]{ cj:yfdf k|d'v sfo{sf/L clws[t÷lghsf] ;+of]hsTjdf /xg]
shf{ ;ldltn] ug{ ;Sg]5 . s'g} klg zt{ kl/jt{g gu/L gjLs/0f ug]{ cj:yfdf Risk Grade
Detoriate ePsf] v08df shf{ gjLs/0fsf nflu cfjZos of]hgf ;lxt ;+rfns ;ldltdf k]z ug{'
kg]{5 . ] 71 ] 72
-v_ [cfˆgf] clVtof/L ;Ldf cGtu{t gk/]sf shf{÷;'ljwf ;Ldf gjLs/0fsf] nflu dflyNnf] lgsfo jf txdf
k7fpbf ;DalGwt sfof{non] ;dodf g} cfjZos sfuhft÷ljj/0fx? ;lxt l;kmfl/z u/L k7fpg' kg]{5
. ] 73
-u_ pk–bkmf -@_ adf]lhdsf] cj:yf k"/f ePdf a}+s lgodfg';f/ shf{ gjLs/0f ug{ ;lsg] 5 .

-$_ shf{ gjLs/0f ;DaGwdf yk Joj:yfM shf{ gjLs/0f ;DaGwL cGo Joj:yf b]xfo adf]lhd x'g]5M
-s_ g]kfn /fi6« a}+sn] ;do ;do hf/L u/]sf lgb]{zgx? tyf o; a}+saf6 ;do ;dodf ul/g] kl/kqsf]
clwgdf /lx shf{ gjLs/0f ug'{ kg]{5 .
-v_ tf]lsPsf] e'QmfgL cjlwleq :jLs[t shf{ ;Ldf /sdsf] cf};t &% k|ltzt;Dd shf{ /sd pkof]u u/]sf]
x'g' kg]{5 . :jLs[t shf{ ;Ldf /sdsf] cf};t &% k|ltzteGbf sd shf{ /sd pkof]u u/]df pkof]u
gu/]sf] cf};t /sddf a}+sn] ;do;dodf tf]s]adf]lhdsf] z'Ns u|fxsaf6 lng' kg]{5 .
-u_ cg';"rL !* adf]lhdsf] shf{ ;'kl/j]If0f e|d0f k|ltj]bg clgjfo{?kdf ldl;ndf cBfjlws x'g' kg]{5 . ;f]
k|ltj]bgsf cfwf/df shf{sf] cf}lrTotf, u|fxssf] ljQLo cj:yf, kl/of]hgfsf] cj:yf / shf{ ;'/If0f
;Gtf]ifhgs eP÷gePsf] Plsg u/L pko'Qm ePdf shf{ gjLs/0f ug'{ kg]{5 . [ljQLo ;"rsfÍx?
;sf/fTds gb]lvPsf] cj:yfdf hfoh sf/0f ;d]t vf]nL sDtLdf Ps jif{sf] k|If]lkt ljQLo ljj/0f
;d]t ;+nUg u/L lgj]bg lng' kg]{5 . ] 74

71 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ dflyNnf] lgsfo jf txdf shf{ gljs/0fsf] nflu ldl;n k7fpbf ;dodf g} ;DalGwt
sfof{nox?n] l;kmfl/z ;lxt k7fpg' kg]{5 .Æ k|ltZyflkt ePsf]
72
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æ shf{ gjLs/0f ug]{ clwsf/ shf{ :jLs[t ug]{ lgsfo jf txdf g} lglxt
/x]sf] 5 . h'g:t/sf] lgsfo jf txaf6 shf{ :jLs[t ePsf] xf] ;f]xL:t/sf] lgsfo jf txaf6dfq shf{ gjLs/0f ug{'kg]{5 . dflyNnf] lgsfo jf txdf
shf{ gjLs/0fsf] nflu ldl;n k7fpbf ;dodf g} ;DalGwt sfof{nox?n] l;kmfl/z ;lxt k7fpg' kg]{5 .Æ eGg] Joj:yf k|lt:yfkg eO{ æ shf{
gljs/0f ug]{ clwsf/ shf{ :jLs[t ug]{ clwsf/ ;Ldf ;/x x'g]5 . dflyNnf] lgsfo jf txdf shf{ gljs/0fsf] nflu ldl;n k7fpbf ;dodf g}
;DalGwt sfof{nox?n] l;kmfl/z ;lxt k7fpg' kg]{5 .Æ ul/Psf]df
73 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ cfˆgf] clVtof/L ;Ldf cGtu{t gk/]sf shf{ ;Ldf gjLs/0fsf] nflu cfjZos sfuhftx?
Pjd\ gjLs/0f ug'{kg]{ cf}lrTo;lxt :jLs[ltsf] nflu ;DalGwt clVtof/k|fKt sfof{no ;dIf k|:t't ug'{ kg]{5 .Æ k|ltZyflkt ePsf]
74 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ;fy} u|fxsn] k]z u/]sf] ljQLo ljj/0fdf pNn]v ePsf] ljQLo ;"rsf+sx? ;d]t
;sf/fTds x'g' kg]{5 .Æ k|ltZyflkt ePsf]

36 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 -3_ rfn' k'FhL k|s[ltsf shf{x?df :6s÷df}Hbft, kfpg'kg]{ lx;fj / ltg{'kg]{ lx;fasf] ljj/0f u|fxsaf6
k|dfl0ft u/fO{ lng' kg]{5 . [Drawing Power gf3]/ shf{ k|jfx ePsf] cj:yfdf ;Ldfleq NofP/ dfq
shf{ gjLs/0f ug'{ kg]{5 . ] 75
-ª_ shf{ gjLs/0f ug{'cl3 lwtf]sf] :ynut lg/LIf0f ;d]t ug{' kg]{5 .
-r_ pko'{Qm cfwf/df shf{ gjLs/0f ug{ pko'Qm ePdf [bkmf @* df pNn]lvt cg';"rLx? adf]lhd ] 76 shf{
gjLs/0f ;DaGwL lg0f{o ug'{ kg]{5 .
-5_ gjLs/0faf6 ePsf] shf{ nufgLsf] 5'§} clen]v /fVg' kg]{5 .
-h_ gjLs/0f ePsf] shf{ :jLs[t shf{ ;Ldfleq /xL Revolving ug{ ;lsg]5 .
-em_ [u|fxssf] gfddf s'g} Ps rfn' k'FhL shf{ zLif{sdf shf{ :jLs[t eO{ shf{ pkof]u eO{ /fv]sf] cj:yfdf
pQm u|fxsn] k'gM ;f]xL zLif{sdf yk shf{ dfu u/]df yk shf{ /sdsf] clGtd e'QmfgL ldlt;Dd x'g] u/L
k'/fgf] :jLs[t shf{ ;LdfnfO{ gjLs/0f ug{' kg]{5 . ] 77
-`_ a}+sn] ;'/If0f:j?k lnPsf] lwtf] ;DklQdf ef}lts kl/jt{g eP÷gePsf] cg'udg u/L ;f]af6 k|jflxt shf{
k"0f{ ;'/lIft ePsf] Plsg u/]/dfq shf{ lnld6 gjLs/0f ug'{ kg]{5 .
-6_ [bkmf !( adf]lhd aLdf cBfjlws u/fpg' kg]{5 . ] 78
-7_ shf{ gjLs/0f ubf{ td;'s / lwtf] d~h"/Lgfdf k'gM u/fpg' kg]{ 5}g . t/ :jLs[t shf{ k|jfx ubf{sf]
;dodf ul/Psf] td;'s, d~h"/Lgfdf, lwtf] b[li6aGws / clVtof/Lgfdfdf b]xfocg';f/ pNn]v ul/Psf] x'g'
kg]{5 .
-!_ td;'s / d~h"/Lgfdfdf ……:jLs[t ;Ldf;Ddsf] shf{sf] clGtd e'QmfgL ldltsf] Dofb shf{ gjLs/0f
eO{ sfod x'g cfpg] clGtd e'QmfgL ldlt;Dd, shf{sf] nfOg ckm qm]l86 ;'ljwf pkef]u u/L
u/]sf] n]gb]g sf/f]af/af6 pTkGg ;a} bfloTj o;} td;'s÷d~h"/Lgfdf cGtu{t ePsf] dfgL Joxf]g]{
5'÷5f}Æ eGg] Joxf]/fsf] zt{ /fVg' kg]{5 .
-@_ lwtf] b[li6aGws lnvt / clVtof/Lgfdfdf ……shf{ u|fxsn] d}n]÷xfdLn] shf{ ;Ldf;Ddsf]
shf{sf] Dofb, gjLs/0f u/L shf{sf] nfOg ckm qm]l86 ;'ljwf pkof]u u/]sf]df To:tf] n]gb]g
sf/f]af/af6 pTkGg x'g] ;Dk"0f{ bfloTj o;} lwtf]af6 Joxf]g]{ 5'÷5f}+Æ eGg] Joxf]/fsf] zt{ /fVg'
kg]{5 .
-%_ shf{ gjLs/0f ug'{ cl3 lng'kg]{ sfuhftx?M shf{ gjLs/0fsf] nflu lng' kg]{ sfuhftx?sf] ;DaGwdf
cg';"rL $ df Joj:yf eP adf]lhd x'g]5 .
#(= shf{sf] k'g/tflnsLs/0f÷k'g/;+/rgf ug{ ;lsg]M -!_ shf{sf] k'g/tflnsL/0f÷k'g/;+/rgf ubf{ ckgfpg'
kg]{ k|lqmofx? b]xfodf pNn]v eP adf]lhd x'g]5M
-s_ cg';"rL $ adf]lhdsf] ;Dk"0f{ sfuhftx? lng' kg]{5 .
-v_ shf{ u|fxsaf6 lnlvt sfo{ of]hgf ;lxtsf] cfj]bg kq lng' kg]{5 .
-u_ shf{ ;'/If0f :j?k lnPsf] lwtf]n] afFsL shf{nfO{ kof{Kt vfDg] x'g' kg]{5 .
:ki6Ls/0fM shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ubf{ lwtf]sf] k'g/d"Nof+sg ug{ pko'Qm nfu]df a}+s
lgodfg';f/ lwtf] k'g/d"Nof+sg ug{ ;lsg]5 .
75 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ:6s÷df}Hbft, kfpg'kg]{ lx;fj / ltg{'kg]{ lx;fasf] v'b /sdn] :jLs[t shf{ ;LdfnfO{
gvfDg] ePdf shf{ ;Ldf 36fpg' kg]{5 .Æ k|ltZyflkt ePsf]
76 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ cg';"rL–@) cg';f/ Æ k|ltZyflkt ePsf]
77 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ s'g} Ps shf{ zLif{sdf shf{ :jLs[t eO{ shf{ pkof]u eO{ /fv]sf] cj:yfdf k'gM ;f]xL
u|fxsn] csf]{ zLif{sdf shf{ dfu u/]df b'j} shf{ zLif{ssf] clGtd e'QmfgL ldlt Pp6} x'g] u/L k"/fgf] :jLs[t shf{ ;LdfnfO{ gjLs/0f ug{' kg]{5 .Æ k|ltZyflkt
ePsf]
78 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ lwtf] ;'/If0f afkt lnPsf] 3/, ldn d]l;g/L cflbsf] s'n d"Nof+lst /sdsf] a}+s
a]lglkml;o/L x'g] u/L aLdf lgoldt x'g' kg]{5 . rfn' k'FhL k|s[ltsf shf{ k|jfx ubf{ u|fxsn] sfod ug{'kg]{ Go"gtd dfn;fdfg -:6s_ sf] s'n d"Nosf] !!)
k|ltztn] x'g] /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf u/fpg' kg]{5 .Æ k|ltZyflkt ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 37

 -3_ k'g/tflnsLs/0f÷k'g/;+/rgf ePsf] shf{ lgoldt c;"n x'g] ;Defjgfsf] af/]df a}+snfO{ ljZjf; x'g'
kg]{5 .
-ª_ kl/of]hgfsf] :ynut lg/LIf0faf6 ;d]t kl/of]hgf pko'Qm x'g' kg]{5 .
-r_ ;+rfng k'FhL k|s[ltsf shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ubf{sf] lbg;Ddsf] aSof}tf /x]sf] Jofh
ztk|ltzt c;"n x'g' kg]{5 . t/ u|fxssf] sfa' aflx/sf] c;fdfGo kl/l:ylt h:t} af9L, klx/f], e'sDk,
cfunfuL h:tf b}jL k|sf]kx?, kl/of]hgfsf] uDeL/ b'3{6gf, cfly{s dGbLh:tf sf/0faf6 ;dodf shf{sf]
;fFjf Jofh r'Qmf ug{ g;sL shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ubf{ shf{ k'g/tflnsLs/0f÷k'g/;+/rgf
ubf{sf] lbg;Dd kfs]sf] JofhdWo] c;"n x'g afFsL Jofhsf] sDtLdf @% k|ltzt Jofh /sd c;"npk/
eP klg x'g]5 .
-5_ cfjlws shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ubf{sf] lbg;Dd kfs]sf] JofhdWo] c;"n x'g afFsL
Jofhsf] sDtLdf kRrL; k|ltzt Jofh /sd c;"npk/ ePsf] x'g' kg]{5 .
-h_ c;"n x'g afFsL /x]sf] Jofh nfe gx'g] vftf df /fvL ls:tfjGbLdf ljefhg u/L a9Ldf tLg jif{leq
c;"n ug'{ kg]{5 . jSof}tf /x]sf] Jofh k'FhLs/0f x'g]u/L shf{sf] k'g/tflnsLs/0f÷k'g/;+/rgf ug{
kfO{g] 5}g .
-em_ shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ul/Psf :ki6 cfwf/x? k|To]s shf{ kmfOndf ;+nUg x'g' kg]{5 .
-`_ k'g/tflnsLs/0f÷k'g/;+/rgf ul/Psf shf{x?sf] ljj/0f 5'§} clen]v /fVg' kg]{5 .
-@_ shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ug]{ clwsf/ ;LdfM shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ug]{
clwsf/ ;Ldf b]xfo adf]lhd x'g]5M
-s_ [shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ug]{ clwsf/ shf{ :jLs[t ug]{ clwsf/ ;Ldf ;/x x'g]5 .
dflyNnf] tx jf lgsfodf shf{ k'g/tflnsLs/0f÷k'g/;+/rgfsf] nflu ldl;n k7fpbf ;DalGwt
sfof{nox?n] l;kmfl/z ;lxt k7fpg' kg]{5 .] 79
-v_ pk–bkmf -!_ adf]lhd cfjZos k|lqmof k"/f u/L a9Ldf # k6s;Dd shf{ k'g/tflnsLs/0f÷ k'g/;+/rgf
ug{ ;lsg]5 . ;f]eGbf a9L k6s shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ubf{ d'Vo sfof{nosf] :jLs[lt cfjZos
kg]{5 . d'Vo sfof{noaf6 :jLs[t shf{sf] xsdf a9Ldf # k6s;Dd dfq shf{ k'g/tflnsLs/0f÷k'g/;+/rgf
x'g]5 .
-#_ shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ePsf u|fxsnfO{ yk shf{ k|bfg ug]{ ;DaGwdfM shf{sf]
k'g/tflnsLs/0f÷k'g/;+/rgf ePsf u|fxsn] yk shf{ dfu u/]df lghsf] shf{ sf/f]jf/, kl/of]hgf tyf
lwtf]sf]] cj:yf pko'Qm ePdf b]xfosf] cj:yfdf yk shf{sf] nflu sf/jfxL k|lqmof cufl8 a9fpg ;lsg] 5M
-s_ shf{sf] k'g/tflnsLs/0f÷k'g/;+/rgf ePsf u|fxsn] yk shf{ dfu u/]dfM
-c_ shf{sf] k'g/tflnsLs/0f÷k'g/;+/rgf ePkZrft\ u|fxsn] @ jif{;Dd lgoldt ;fFjf / Jofh
a'emfPdf .
-cf_ ;fFjf tyf aSof}tf Jofhsf] ls:tf tf]lsPsf] ;dodf a'emfPdf .
-O_ shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ubf{ k]z u/]sf] Joj;flos sfo{ of]hgf cg';f/ kl/of]hgf
;+rfng ePdf .
-O{_ shf{ ;'/If0f afkt lbPsf] lwtf] pko'Qm / kof{Kt ePdf .
-p_ shf{ sf/f]af/ ug{sf] nflu cfjZos kg]{ sfuhftx? k]z u/]df .
-v_ sfa' aflx/sf] kl/l:yltsf] sf/0faf6 shf{ ltg{ c;dy{ /x]sf] u|fxsnfO{ yk shf{ k|jfx ug{'k/]dfM shf{
u|fxssf] sfa' aflx/sf] kl/l:yltsf] sf/0faf6 ;dodf shf{sf] ;fFjf Jofh r'Qmf ug{ g;sL shf{
79
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æshf{ k'g/tflnsLs/0f÷k'g/;+/rgf ug]{ clwsf/ shf{ :jLs[t ug]{ lgsfo
jf txdf g} lglxt /x]sf] 5 . h'g:t/sf] lgsfo jf txaf6 shf{ :jLs[t ePsf] xf] ;f]xL:t/sf] lgsfo jf txaf6 shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ug{'
kg]{5 . dflyNnf] txdf k7fpbf ;DalGwt sfof{nox?n] l;kmfl/z ;lxt k7fpg' kg]{5 .Æ eGg] Joj:yf k|lt:yfkg ePsf]

38 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 k'g/tflnsLs/0f÷k'g/;+/rgf ePsf] cj:yfdf kl/of]hgf ;+rfng ug{ k'i6\ofO{ ;lxt yk shf{ dfu u/]df
/ lghsf] k|:tfj b]xfosf] sf/0faf6 cf}lrTok"0f{ b]lvPdf yk shf{ k|bfg ug{ ;lsg]5M
-c_ k|fs[lts k|sf]k h:t}M af9L, klx/f], e"sDk, cfunfuL / x'nb+ufjf6 kl/of]hgf tyf dfgjLo Iflt eO{
kl/of]hgf c;kmn ePsf] g]kfn ;/sf/sf] ;DalGwt lhNnf k|zf;g sfof{non] k|dfl0ft u/]df /
;f] clen]v a}+snfO{ plrt nfu]df jf
-cf_ g]kfn ;/sf/sf ?U0f pBf]usf] ;"rLdf ;dfj]z eO{ k'g/shf{ k|bfg ug{ ?U0f pBf]u k'g/pTyfg
;ldltaf6 l;kmfl/z eO{ cfPdf .
$)= shf{ Joj:yfkg ;"rgf k|0ffnLM [-!_ -s_ ;"rgf tyf k|ljlw ljefu / a}+ssf] Joj:yfkg ;"rgf OsfO{ -MIS_ n] pk–bkmf
-v_ adf]lhd / a}snfO{ cfjZos kg]{ shf{sf] cGo ljj/0fx? pknJw x'g] Joj:yf ug'{ kg]{5 . ] 80
[ -@_ pk–bkmf -!_ adf]lhd shf{sf] ljj/0fdf b]xfosf ljifox? ;dfj]z ug'{ kg]{5M] 81
qm= Reporting Reporting ug{'kg]{
Reporting ug{k' g]{ shf{ sf] ljj/0f
;+= ug{'kg]{ cjlw kmf/fdsf] gd'gf
! :jLs[t shf{sf] ljj/0f dfl;s
@ shf{ gjLs/0fsf] ljj/0f dfl;s
# shf{ k'g/;+/rgf tyf k'g/tflnsLs/0fsf] ljj/0f dfl;s
$ lgliqmo shf{sf] ljj/0f q}dfl;s
% sfnf] ;"rLsf] ljj/0f cw{jflif{s
^ ckn]vg shf{sf] ljj/0f cw{jflif{s

cg';"rL @( cg';f/
& ;sf/ ;DklQsf] ljj/0f cw{jflif{s
* Psn shf{ u|fxs ;Ldfsf] ljj/0f cw{jflif{s
( ! s/f]8eGbf a9L shf{ ;Ldf sfod ePsf shf{ u|fxssf] ljj/0f q}dfl;s
!) Customer Liability Report q}dfl;s
!! If]qut shf{sf] ljj/0f dfl;s
!@ c;n shf{ u|fxssf] ljj/0f dfl;s
!# ljkGg shf{ u|fxssf] ljj/0f q}dfl;s
!$ lwtf]sf] juL{s/0f dfl;s
!% s'n shf{ ;DklQ ljj/0f dfl;s

80 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ-!_ k|To]s sfof{non] pk–bkmf -$_ adf]lhdsf] shf{sf] ljj/0f If]qLo sfof{nonfO{
Reporting ug{' kg]{5 . If]qLo sfof{non] cfkm' dftxtsf sfof{nox?sf] ljj/0f cBfjlws ug'{ kg]{5 .
-@_ If]qLo sfof{non] tf]lsPsf] cg';"rL cg';f/sf] Reporting shf{ ljefu, d'Vo sfof{nodf k7fpg'kg]{5 .
-#_ pk–bkmf -@_ adf]lhd k|fKt ljj/0fx? shf{ ljefun] shf{ Joj:yfkg ;"rgf k|0ffnLsf] :yfkgf u/L cBfjlws u/L /fVg' kg]{5 .Æ k|ltZyflkt ePsf]
81 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ-$_ pk–bkmf -!_ adf]lhd ;DalGwt sfof{non] shf{sf] ljj/0f k7fpbf b]xfosf ljifox?
;dfj]z u/L k7fpg' kg]{5M Æ k|ltZyflkt ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 39

 kl/R5]b–$
lwtf] ;'/If0f ;DaGwL Joj:yf
$!= lwtf] ;'/If0fM shf{sf] nflu lwtf] ;'/If0f lnbf b]xfosf kIfx?df Wofg k'¥ofpg' kg]{5M
-s_ shf{ /sdnfO{ ;'/lIft ug{ u|fxsaf6 lnO{g] lwtf] ef}lts tyf ;fdflhs k"jf{wf/sf] ljsf; ePsf]
If]qsf] ;lhn} vl/b ljqmL x'g;Sg] k|s[ltsf] x'g' kg]{5 .
-v_ a}+sn] k|bfg ug]{ k|To]s shf{{ lwtf]4f/f ;'/lIft x'g' kg]{5 .
[-!_ 7"nf ;+:yfut u|fxsx?nfO{ kl/of]hgfdf /x]sf] rn ;DklQ dfq jf kl/of]hgfdf lgld{t ;+/rgf /
kl/of]hgfdf /x]sf] rn crn ;DklQ dfq lwtf] /xg] u/L shf{÷;'ljwf k|jfx ug{ ;lsg]5 . o;/L
shf{ k|jfx ug{' kg]{ cj:yfdf d'Vo sfof{nosf] k"j{ :jLs[lt lng' kg]{5 .
-@_ g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yfnfO{ ;+:yfut hdfgLdf shf{ k|jfx ug{
;lsg]5 .] 82
-u_ u|fxs jf t]>f] kIfsf] JolQmut hdfgt, ;+:yfut hdfgt, k|Tofe"lt / To:t} k|s[ltsf k|ltj4tfx?
[;d]t lwtf]sf] ?kdf lng ;lsg]5 .] 83
$@= lwtf]sf] lsl;dM lwtf]sf] lsl;d b]xfo adf]lhd x'g]5M
-s_ crn ;DklQ
(1) hUuf .
(2) 3/ / 3/n] rr]{sf] hUuf .
-v_ rn ;DklQ
(1) ldn, d]lzg/L .
(2) ;jf/L ;fwg .
(3) :6s -sRrf kbfy{, k|zf]lwt sRrf kbfy{, tof/L j:t'_ .
-u_ sfuhkq lwtf] ;'/If0f -Paper Document Security_
(1) d'2tL lgIf]k /l;b .
(2) g]kfn ;/sf/sf] ljsf; C0fkqsf] k|df0fkq .
(3) ljsf; C0fkq, /fli6«o jrtkq, gful/s jrtkq, j}b]lzs /f]huf/ jrtkq, cGo ;/sf/L
;'/If0fkq .
(4) z]o/ k|df0fkq .
[-3_ JolQmut hdfgt, ;+:yfut hdfgt, ;d"xut hdfgL .] 84
$#= lwtf] lnbf Wofg lbg'kg]{ kIfx?M lwtf] lnbf b]xfo adf]lhdsf ljifox?df Wofg lbg' kg]{5M
-s_ hUuf÷hldg / 3/sf] ef}lts cj:yfM
(1) ef}lts ljsf; u/L cfjf;Lo Pj+ Jofkfl/s k|of]udf /x]sf] hUuf .
(2) k|dfl0ft df]6/af6f] jf 3f]/]6f] jf uf]/]6f] af6f] ePsf] hUuf .
(3) v]tLof]Uo hUuf .
(4) dGbL/, lrxfg, d:hLb jf ;fdflhs tyf ;f+:s[lts ultljlwsf] If]qleq gkg]{ hUuf .
(5) eL/÷kfvf], gbL tyf vf]nfsf] au/ jf l;d;f/ gePsf] hUuf .
(6) af9L klx/f]af6 Iflt gx'g] hUuf .
(7) gbL, vf]nf tyf vx/]af6 ;'/lIft ePsf] 3/÷hUuf .
(8) /fli6«o lgs'~h tyf jGohGt' ;+/If0f If]q / ljZj ;Dkbf tyf ;fj{hlgs hUufsf] kl/lwleq gkg]{
3/÷hUuf .
82 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
83
;+rfns ;ldltsf] ldlt @)&^.)*.@# sf] a}7s g+= &*^ sf] lg0f{o adf]lhd æcf}lrTotfsf] cfwf/df lng ;lsg]5 t/ o:tf k|ltj4tfx? k|fylds lwtf]
geO{ ;xfos lwtf]sf] ?kdf x'g]5g\ . Æ eGg] Joj:yf k|lt:yfkg ePsf]
84 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
36 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 (9) pRr ef]N6]hsf] ljB't k|;f/0f nfO{gaf6 ;'/lIft hUuf .
(10) b'O{ b]zaLrsf] ;Ldfgf -bz uhf If]q_ ;Fu ghf]l8Psf] hUuf .
(11) jfbljjfb, e}memu8f, d'2f–dfldnf gePsf] 3/38]/L tyf hUuf .
(12) ;8s ljefu÷dxfgu/kflnsf÷pk–dxfg/kflnsf÷gu/kflnsf÷ufpkflnsfn] tf]s]sf] ;8ssf]
dfkb08leq gkg{] 3/38]/L÷hUuf .
(13) 3/sf] xsdf jgfj6 cg';f/ ef}lts ?kn] dhj't ePsf] .
(14) 3/ tyf ef}lts ;+/rgf lgdf{0fsf] nflu lgif]w ul/Psf] If]q -h:t}M lu|g a]N6 tyf ;8s If]q
cflb_ leq g/x]sf] 3/÷38]/L . [
(15) afnlj6f}/L hUuf lwtf] lng' cl3 ;DalGwt :yfgLo lgsfo / dfnkf]t sfof{noaf6 lwtf] lng
vf]lhPsf] hUuf cfjZos kbf{ a}+ssf] cg'/f]wdf a}+ssf] gfddf jf a}+sn] tf]s]sf] JolQm÷;+:yfsf]
gfddf sfg"gL?kdf xs x:tfGt/0f ug{ ;lsg] cfzosf] lnlvt kq lng' kg]{5 . o; cl3 o:tf]
hUuf lwtf]df lnPsf] ePdf lwtf]df /x]sf] pQm hUufsf] ;DalGwt lgsfoaf6 If]qkmn cBfjlws
u/fO{ dfq shf{ gjLs/0f ug{' kg]{5 . ] 85
-v_ 3/hUufsf] sfg"gL cj:yfM lwtf]df lnOg] 3/hUufsf] sfg"gL cj:yfsf] PsLg ubf{ b]xfo adf]lhdsf]
ljifodf PsLg ug{' kg]{5M
(1) u|fxssf] k"0f{ :jfldTj eO{ gfkL ePsf] hUuf eP hUufwgL btf{ k|df0fk"hf{ / lt/f] lt/]sf] /;Lb
ePsf] .
(2) gfkL ePsf] hUuf eP gfkL gS;fsf] An' lk|G6 -_ tyf 6«]; gSzfdf :ki6;Fu n]lvPsf] lsQf
gDa/ / lsQfsf6 ePsf] eP kmfOn gS;fdf lwtf] lbO{g] lsQf gDa/ :ki6 b]lvPsf] .
(3) dfnkf]tdf clen]v eO{ v/Lb laqmL jf a}+ssf] gfddf /lhi6«]zg kf; x'g;Sg] .
(4) u'7Lsf] hldg ePdf u'7L txl;n sfof{nosf] gfddf btf{ eO{ df]xLsf] Joxf]/f v'nfOPsf] / /}tfgL
x'g;Sg] k|s[ltsf] ePsf] .
(5) Psf3/ kl/jf/leqsf] ;+o'Qm hUufwgL btf{ k|df0fk"hf{ ePdf ;f] hUuf lwtf] /fVg hUufwgL btf{
k|df0fk"hf{df pNn]lvt JolQmx?n] d~h"/Lgfdf lbg d~h"/ u/]sf] . gfjfns ;lxtsf] ;+o'Qm
hUufwgL btf{ k|df0fk'hf{ ePdf ;f] hUuf lwtf] /fVg gldNg] . [Psf3/ kl/jf/leqsf] ;+o'Qm
hUufwgL btf{ k|df0fk'hf{ afx]s ;+o'Qm gfdsf] lwtf] ;a} lwtf]wgLx?n] d~h"/Lgfdf lbPdf ;a}sf]
lx:;f a/fa/ x'g] u/L lwtf] lng ;lsg]5 . ] 86
(6) u|fxssf] :jfldTjdf /x]sf] s]xL hldg g]kfn ;/sf/n] clwu|x0f u/]sf] eP ;f] If]qkmn j/fj/sf]
hUuf hUufwgL btf{ k|df0fk"hf{af6 x6fO{Psf] :ki6 ePsf] . s'g} lgsfoaf6 laqmL / xs x:tfGt/0f
/f]Ssfsf] ;"rgf hf/L gePsf] .
(7) gfafnssf] gfddf hUufsf] :jfldTj g/x]sf] .
(8) Pp6} lwtf] ;DklQ jf Pp6} lsQfsf] hUuf cGo a}+s tyf ljQLo ;+:yfnfO{ lwtf]:j?k glbPsf] .
(9) dfnkf]t sfof{nodf cfjfbL b]vfPsf] t/ lkmN8 jf gfkL gS;fdf /fhdfu{, jf6f] jf gx/ h:tf
;fj{hlgs k"jf{wf/ gePsf]] .
(10) xbaGbLsf] sfg"gL ;Ldf adf]lhd btf{ eO{ gfd;f/L ug{ ldNg] hUuf .
(11) g]kfn ;/sf/sf] :yfgLo lgsfojf6 k|rlnt sfg"g jdf]lhd 3/ lgdf{0f Ohfhtkq tyf gS;f kf;
ePsf] x'g' kg]{5 . 3/sf] gS;f kf; gug]{ ufpkflnsfx?sf] xsdf 3/ ePsf] k|dfl0ft÷l;kmfl/z
kq;fy ;DalGwt k|fljlwsaf6 agfPsf] 3/sf] gS;f lng' kg]{5 .
(12) 3/ tyf 3/ ePsf] hUuf lwtf] lng'kbf{ hUufwgL btf{ k|df0fk"hf{df clgjfo{?kdf 3/ sfod ePsf]
x'g' kg]{5 .

85 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

86 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 37
 df]xL gnfu]sf] 3/÷hUUff .
(13)
g]kfn ;/sf/af6 clwu|x0f ug]{ lglZrt eO{ 3f]if0ff ePsf] jf clwu|x0f k|lqmofdf /x]sf]
(14)
3/3/]8L÷hUuf lwtf] lng gldNg] .
-u_ lgvGg] jf gfln; lbg] sfg"gL xbDofbM lwtf]df /xg] hUufsf] sfg"gL xbDofb ;DaGwL Joj:yf b]xfo
adf]lhd x'g]5M

:jfldTj kl/jt{gsf] lgvGg] jf gfln; lbg] sfg"gL

qm=;+= lwtf]df lngsf nflu kv{g'kg{] cjlw
k|sf/ xbDofb
/fhLgfdf u/L v/Lb ;GwL;k{g kg{] xsjfnfn] / df]xLn]
!= ^ dlxgfleq yfxf kfPsf] #% lbg . ^ dlxgf #% lbg .
u/]sf]
c+l;of/ jf xsjfnfn] @ jif{leq
@= xfnsf] js;–kq @ jif{ .
lkm/fb bfjL ug{;Sg] .
;fdfGo cj:yfdf # dlxgf t/ s'g}
lrQ ga'em\g] c+lzof/n] # dlxgfleq
#= c+zj08f kf; c+lzof/ !^ aif{ gk'u]sf] v08df pd]/
gfln; ug{ kfpg] .
k'u]sf] ldltn] # dlxgf .
^ dlxgfleq yfxf kfPsf] ldltn] #%
$= ;6[f–k6[f ^ dlxgf #% lbg .
lbg leq .
ck'tfnL k/L xs
%= sfod # aif{;Dd gfln; nfUg ;Sg] # jif{ .
bftfsf] hLjgsfndf js;kq bftfsf] hLjgsfn;Dd js;kq kfpg]n]
kfpg]n] lwtf] jGws /fVg gkfpg] . lwtf] lbg gldNg] . t/ bftfsf] d[To' kZrft\
^= z]ifkl5sf] js;–kq
bftfsf] z]ifkl5 k|fkssf] xs k'u]sf] k|fkssf] gfddf gfd;f/L eO{ cfPsf] @
-k"hf{ jgfPsf]_ ldltn] @ aif{;Dd . jif{kl5 .
lbPsf] xbDofb gf3]sf] ldlt;Dd jf hUuf
pknAw u/fpg] lgsfoaf6 æa}+ssf] shf{
k'g/jf;÷a;f]jf; ljt/0f ubf{ laqmL ljt/0f tyf
r'Qmf geP;Dd c?nfO{ x:tfGt/0f ul/g]
&= cGtu{tsf] hUuf lwtf] xs 5f8\g gkfpg] u/L lbPsf]
5}g / a}+ssf] shf{ c;"npk/ ug{ lnnfd
lng] . xbDofb;Dd .
laqmL jf cGo Joj:yfaf6 ug{ ;lsg] 5Æ
egL n]lvlbPdf lwtf] lng ;lsg] .
hUufwgLsf] d[To'
eO{ nf]Ug], :jf:gL,
*= xbDofb gnfUg] . kv{g' gkg{] .
5f]/f5f]/Lsf] gfddf
gfd;f/L ePsf] .
cbfntsf] ldnf
(= xbDofb gnfUg] . kv{g' gkg{] .
kqaf6 xs k|fKt .
df]lxofgL xsaf6 k|fKt
!)= ;DklQ . xbDofb gnfUg] . kv{g' gkg{] .

38 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 gu/ ljsf; ;ldltn]
ef}lts k"jf{wf/
-;8s, 9n, lah'nL,
!!= kfgL, 6]nLkmf]g cflb_ xbDofb gnfUg] . kv{g' gkg{] .
ljsl;t u/L 38]/Lsf]
?kdf xs x:tfGt/0f
eO{ cfPsf] .
[kmd{÷;+:yf÷sDkgL
sf] gfddf btf{
ePsf] 3/hUuf xs
x:tfGt/0f eO{
!@= JolQm÷kmd{÷;+:yf÷ xbDofb gnfUg] . kv{g' gkg{] .
sDkgLsf] gfddf
xs x:tfGt/0f eO{
cfPsf] .]87
;+o'Qm gfddf /x]sf]
!# lwtf]wgLdWo] s;}n] [^ dlxgf #% lbg . ]88 [-!_ ^ dlxgf #% lbg . t/ ktL
afFsL lwtf]wgLnfO{ kTgL aLr 5f]8kq u/L s'g} Pssf]
xs 5f8L lbPdf gfddf cfPsf] 3/hUuf÷;DklQ lwtf]
lngsf] nflu # dlxgf #% lbgsf]
xbDofb nfUg] 5 .]89

87
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æ Real Estate Company x?sf] gfddf eO{ pQm sDkgLn] ;DalGwt ;/sf/L
lgsfoaf6 :jLs[lt lnO{ ef}lts k"jf{wf/ -;8s, 9n, ljh'nL, kfgL, 6]nLkmf]g cflb_ ljsl;t u/L 38]/Lsf] ?kdf xs x:tfGt/0f eO{ cfPsf] .Æ eGg]
Joj:yf k|lt:yfkg ePsf]
88 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ xbDofb gnfUg] .M Æ k|ltZyflkt ePsf]
89 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ kv{g' gkg{] .Æ k|ltZyflkt ePsf]
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 39
 -3_ sfg"gL xbDofb cufj} lwtf] :jLsf/ ug{ ;lsg] cj:yfM dfly v08 -u_ df pNn]lvt sfg"gL xbDofb
cufj} b]xfosf] cj:yfdf lwtf] :jLsf/ ug{ ;lsg]5M
-c_ /fhLgfdfaf6 vl/b u/]sf] 3/÷hUufsf] xbDofb cufj} lwtf] lnbf /fhLgfdf lnvtdf pNn]v
ul/Psf] d"No -y}nL d"No_ eGbf a9L d"Nof+sg ePsf] cj:yfdf ;d]t /fhLgfdf lnvtdf pNn]v
ul/Psf] d"No a/fa/ pQm lwtf]sf] d"Nof+sg /sd sfod ug{' kg]{5 . ;f] d"Nof+sg /sddf a}+s
lgodfg';f/ dflh{g s6fO{ shf{of]Uo /sd sfod ug'{ kg]{5 / xbDofbsf] ;do k"/f ePkl5 lwtf]
d"Nof+sgsf] /sd g} a}+s lgodfg';f/ ;ldIff u/L shf{of]Uo /sd sfod ug{ ;lsg]5 . olb y}nL
d"No a}+saf6 u/fOPsf] d"Nof+sgeGbf a9L ePdf a}+s d"Nof+sg /sdnfO{ g} cfwf/ dfGg' kg]{5 .
-cf_ c+zj08faf6 xs x:tfGt/0f eO{ cfPsf] hUuf÷3/sf] sfg"gL xbDofb cufj} lwtf]sf] ?kdf
:jLsf/ ubf{ c+zj08fdf pNn]lvt JolQmx?sf] clgjfo{ d~h"/L lnO{ jf lwtf] b[li6aGws lnvt
kf;÷/f]Ssfdf ;fIfL /fvL tf]lsPsf] sfg"gL xbDofb gk'Ub} lwtf] :jLsf/ ug{ ;lsg]5 .
-O_ [pk–v08 -c_ / -cf_ sf] cj:yf afx]s cGo cj:yfsf] xsdf v08 -u_ df pNNf]lvt
xbDofb cufj} lwtf] :jLsf/ ug{ ;lsg] 5}g . t/ ;DalGwt sfof{no / If]qLo sfof{non]
:ki6 sf/0f tyf cf}lrTotf ;d]t v'nfO{ l;kmfl/z u/]df k|d'v sfo{sf/L clws[tn]
xbDofb cufj} ;d]t k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL sfo{ljlw adf]lhd ahf/
d"NonfO{ ;d]t cfwf/ dfgL lwtf] d"Nof+sg u/L ;f]xL adf]lhd shf{ jf ;'ljwfof]Uo
sf/f]af/ ;Ldf sfod ug{ :jLs[lt k|bfg ug{ ;Sg] 5g\ .] 90
-ª_ u'7L hUuf lwtf] lnbfM u'7L hUuf lwtf] lnbf b]xfo adf]lhd ug{' kg]{5M
-c_ u'7Lsf] hUuf lwtf] lng' k"j{ k|rlnt sfg"gcg';f/ :jfldTj x:tfGt/0f x'g ;Sg]÷g;Sg] tyf
x:tfGtl/t :jfldTjdf s] slt ;do;Dd s] s:tf] bfloTj jxg ug{'kg{] xf] ;f] ljifo Plsg u/]/dfq
lwtf] lng ;lsg]5 .
-cf_ :jfldTj hUufjfnfsf] /xL u'7L ;+:yfgdf dfnkf]t a'emfpg' kg]{ k|s[ltsf u'7L /}tfgL gDj/L hUuf
lwtf] lng ;lsg]5 .
-O_ u|fxsn] lwtf]sf] nflu pk–v08 -cf_ df tf]lsP afx]ssf ljqmL u/L x:tfGt/0f ug{ ;lsg]
k|s[ltsf] s'g} u'7L hUuf lwtf] lbPdf [;DalGwt sfof{non] glhssf] u'7L k|zf;g sfof{no;Fu
lnlvt ?kdf lwtf] lng ldNg] gldNg] ljifodf kqfrf/ ug{' kg]{5 . lwtf] lng ldNg] cfzosf]
hjfkm k|fKt ePdf dfq ] 91 To:tf] lwtf] :jLsf/ ug{ ;lsg]5 .
-O{_ u'7L hUuf lwtf] ;DaGwL cGo Joj:yf tf]lsP adf]lhd x'g]5 .
-r_ xbjGbLeGbf a9Lsf] hUuf lwtf] lng] ;DaGwdfM g]kfn ;/sf/n] tf]s]sf] xbjGbL ;LdfeGbf a9L ePsf]
hUuf v/Lb laqmL tyf xs x:tfGt/0f x'g g;Sg] ePsfn] xbjGbL ;LdfeGbf a9L hUuf ePsf] JolQmsf] hUuf
lwtf] lnO{ shf{ k|bfg ug{ kfOg] 5}g t/ snsf/vfgf÷pBf]u, lrof jufg, skmL v]tL cflb h:tf kl/of]hgfx?
;+rfng ug{ xbjGbL ;LdfeGbf a9L hUuf cfjZos kg]{ ePdf g]kfn ;/sf/sf] ;DalGwt dGqfnoaf6 xbjGbL
;LdfeGbf a9L hUuf /fVg kfpg] tyf a}+s tyf ljQLo ;+:yfn] shf{ c;"n ug{ pQm hUuf v/Lb laqmL tyf xs
x:tfGt/0f ug{;Sg] :jLs[ltk|fKt ePdfdfq xbjGbL ;LdfeGbf a9Lsf] hUuf lwtf] lng ;lsg]5 .
-5_ [lzIf0f ;+:yf, c:ktfn, tyf hg;/f]sf/ ePsf ;+:yfsf] ;DklQ lwtf] lng] ;DaGwdfM
;fdfGotof sDkgL P]g cGtu{t btf{ eO{ ;+rfng ePsf afx]ssf lzIf0f ;+:yf, c:ktfn tyf

90
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æ pk–v08 -c_ / -cf_ sf] cj:yf afx]s cGo cj:yfsf xsdf
v08 -u_ df pNNf]lvt xbDofb cufj} lwtf] :jLsf/ ug{ ;lsg] 5}g .Æ eGg]] Joj:yf k|lt:yfkg ePsf]
91 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ d'Vo sfof{nosf] :jLs[lt lnO{ Æ k|ltZyflkt ePsf]

40 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 hg;/f]sf/ ePsf cGo ;+:yfx?nfO{ shf{ k|bfg ubf{ ;+rfns jf lghsf] Psf3/ kl/jf/sf ;b:osf]
gfdsf] sDtLdf %) k|ltzt lwtf] lng' kg]{5 . pk/f]Qm adf]lhd ;+rfns jf lghsf] Psf3/sf kl/jf/sf
;b:osf] gfddf /x]sf] lwtf] glnO{ shf{ nufgL ug{' k/]df ;DalGwt ljefusf] k"j{ :jLs[lt lng' kg]{5 .
] 92
-h_ clws[t jf/];gfdfaf6 lwtf] lnO{ shf{ nufgL ug{ gkfOg]M clws[t jf/];gfdfaf6 lwtf] lnO{ shf{
nufgL ug{ kfOg] 5}g .
-em_ kl/of]hgf:yn lwtf] lng] ;DaGwdfM rfn' k'FhL k|s[ltsf] shf{sf] xsdf kl/of]hgf:yn lwtf] glnO{
klg shf{ nufgL ug{ ;lsg]5 . cfjlws k|s[ltsf] shf{ nufgL ubf{ kl/of]hgf:yn ;d]t clgjfo{?kdf
lwtf] lng' kg]{5 t/ shf{ cfj]bssf] Track Record, kl/of]hgfsf] ;DefJotf / shf{ hf]lvd Go"g x'g]
;Defjgf ePdf b]xfosf] cj:yfdf kl/of]hgf:yn lwtf]df glnO{ cfjlws shf{ nufgL ug{ ;lsg]5 .
-c_ kl/of]hgf:yn afx]s ;fdflhs tyf ef}lts k"jf{wf/sf] ljsf; ePsf] If]qsf] ztk|ltzt cGo
lwtf] lng' kg]{5 .
-cf_ kl/of]hgf:yn ef8fdf lnPsf] ePdf shf{sf] cjlweGbf [yk # aif{ jf shf{ cjlwsf]
bf]Aa/ cjlw dWo] h'g sd x'G5 ;f] cjlwsf nflu ] 93 kl/of]hgf:ynsf] ef8f ;Demf}tf–kq x'g'
kg]{5 .
-`_ [cf}Bf]lus If]q tyf ljz]if cfly{s If]q -;]h_ df ag]sf 3/÷ejg tyf ldn d]lzg/Lx? lwtf] lng]
;DaGwdfM g]kfn ;/sf/n] tf]s]sf cf}Bf]lus If]qx? tyf ljz]if cfly{s If]q -;]h_ h:t}M afnfh',
kf6g, eQmk'/, x]6f}+8f, a'6jn, lj/f6gu/, jL/u+h, e}/xjf cflb leq ag]sf 3/÷ejgx? tyf ldn
d]lzg/Lx? lwtf]sf] ?kdf lng ;lsg] 5 . o;/L pQm If]qleqsf] lwtf] lnbf d'Vo sfof{nosf] k"j{ :jLs[lt
lng' kg]{5 .] 94
[-6_ gbL, vf]nf tyf vx/] glhssf 3/÷hUuf lwtf] lng] ;DaGwdf a}+ssf] k|rlnt lwtf] ;'/If0f d"Nof+sg
sfo{ljlw adf]lhd x'g]5 . ] 95
-7_ shf{ ;'/If0f afkt lnOg] 3/÷hUufsf] af6f] ;DaGwdfM shf{ ;'/If0f afkt lnOg] 3/÷hUufsf] af6f]
92 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ lzIf0f ;+:yf tyf hg;/f]sf/ ePsf ;+:yfsf] ;DklQ lwtf] lng] ;DaGwdfM lzIf0f ;+:yf
tyf hg;/f]sf/ ePsf cGo ;+:yfx?nfO{ shf{ k|bfg ubf{ ;+rfns jf lghsf] Psf3/sf kl/jf/sf ;b:osf] gfdsf] sDtLdf %) k|ltzt lwtf] clgjfo{ ?kdf
lng' kg]{5 .Æ k|ltZyflkt ePsf]
93 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ bf]Aa/ cjlwsf] Æ k|ltZyflkt ePsf]
94
;+rfns ;ldltsf] ldlt @)&^.)*.@# sf] a}7s g+= &*^ sf] lg0f{o adf]lhd æcf}Bf]lus If]qdf ag]sf 3/x? lwtf]sf] ?kdf :jLsf/ ug{ g;lsg]M g]kfn
;/sf/n] tf]s]sf cf}Bf]lus If]qx? -h:t}M afnfh', kf6g, eQmk'/, x]6f}+8f, a'6jn, lj/f6gu/ cflb_ leq ag]sf 3/÷ejgx? lwtf]sf] ?kdf :jLsf/ ul/g] 5}g
.Æ eGg] Joj:yf k|lt:yfkg ePsf]
95 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ-6_ gbL, vf]nf tyf vx/] glhssf 3/÷hUuf lwtf] lnbf Wofg lbg''kg]{ kIfM gbL, vf]nf
tyf vx/] glhssf 3/÷hUuf lwtf] lnbf b]xfosf kIfx?df Wofg lbg' kg]{5M
-c_ shf{ cfj]bsn] shf{ ;'/If0f afkt lbg] lwtf] gbL, vf]nf, gfnf / vx/]af6 ;'/lIft x'g' kg]{5 . gbL, vf]nf, gfnf, vx/]x? glhssf 3/÷hUuf
lwtf]df lnbf clgjfo{ pQm 3/÷hUufsf] :ynut lg/LIf0f u/L gbL, vf]nf, gfnf vx/]sf] aiff{ofdsf] axfjsf] k|s[lt cg';f/ ;'/lIft ePdfdfq
cfjZostfcg';f/ pko'Qm b'/L s6fP/ pQm 3/÷hUuf lwtf]sf] ?kdf :jLsf/ ug{ ;lsg]5 .
-cf_ sf]zL, gf/fo0fL, u08sL, s0ff{nL, dxfsfnL cflb h:tf 7"nf gbLx? glhssf 3/÷hUufx? ;+/If0f x'g]u/L t6aGwg u/]sf] / gbLsf] jiff{ofdsf]
axfjsf] k|s[lt cg';f/ ;'/lIft ePdfdfq pQm 3/÷hUuf lwtf]sf] ?kdf :jLsf/ ug{ ;lsg] 5 .
-O_ vf]nf, gfnf, vx/]x? glhssf 3/÷hUufx? ;+/If0f x'g]u/L jf hfnL kvf{n u/]sf] ePdf vf]nf, gfnf, vx/]sf] aiff{ofdsf] axfjsf] k|s[lt cg';f/
;'/lIft ePdf dfq pQm 3/÷hUuf lwtf]sf] ?kdf :jLsf/ ug{ ;lsg]5 .
-O{_ sf7df8f}+ pkTosfleqsf afUdtL, lji0f'dtL, dgf]x/f, OR5'dtL -6'sr ' f_, ?b|dtL -wf]ljvf]nf_, ;fdfv';L, sd{gfzf cflb h:tf gbL÷vf]nfx?sf]
glhssf] 3/hUufx? ;+/If0f x'g]u/L jf hfnL kvf{n u/]sf] ePdf / lgod ;+ut 9Ën] kSsL 3/ lgdf{0f u/]sf] / clwu|x0fdf gk/]sf] ePdf To:tf]
3/hUuf lwtf]sf] ?kdf :jLsf/ ug{ ;lsg]5 .
-p_ dxfgu/kflnsf, pk–dxfgu/kflnsf, gu/kflnsf tyf ufpkflnsfn] gbL jf vf]nfsf] lsgf/;Fu hf]l8P/ agfPsf] jf agfpg k|:tfj u/]sf] 6«ofs
/f]8 jf cGo kfs{ cflb eP ;f] 5f]8]/ clwu|x0fdf gk/]sf] 3/hUuf lwtf]sf] ?kdf :jLsf/ ug{ ;lsg]5 .
-pm_ gbL, vf]nf, gfnf, vx/]x? glhssf] 3/÷hUufx? lwtf]df lnbf g]kfn ;/sf/sf] :yfgLo lgsfon] tf]s]sf] dfkb08 s6fP/ dfq pQm 3/÷hUuf
lwtf]sf]?kdf :jLsf/ ug{ ;lsg]5 .Æ k|ltZyflkt ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 41

 ;DaGwdf b]xfo adf]lhd x'g]5M
-c_ shf{ ;'/If0f afkt lnOg] 3/÷hUuf ;fdflhs tyf ef}lts k"jf{wf/sf] ljsf; ePsf] zx/L If]qsf]
x'g' kg]{5 . Go"gtd * lkm6eGbf a9L rf}8fO{ ePsf] ;8s;Fu hf]l8Psf] 3/÷hUuf lwtf] lng
k|fyldstf lbg' kg]{5 . af6f] gePsf] hUuf b]xfo adf]lhddfq lwtf]sf] ?kdf :jLsf/ ug{ ;lsg]5 .
-!_ ?=!) nfv;Ddsf] h'g;'s} p2]Zosf] shf{sf] nflu a}+snfO{ pko'Qm nfu]df af6f] gePsf]
v]tLof]Uo hUuf ;d]t lwtf] lng ;lsg]5 .
-@_ ?=!) nfveGbf a9L shf{ sf/f]af/ ug]{ u|fxsn] lbPsf] lwtf]dWo] ;fdflhs tyf ef}lts
k"jf{wf/sf] ljsf; ePsf] If]qsf] lwtf]n] gk'u ePsf] cj:yfdf dfq s'n shf{sf] nflu
cfjZos kg]{ s"n lwtf]sf] @% k|ltzt;Dd af6f] gePsf] hUuf lwtf] lng ;DalGwt
sfof{nosf] l;kmfl/zdf If]qLo sfof{non] :jLs[t lbg ;Sg]5 .
-cf_ Go"gtd $ lkm6sf] af6f] ePsf] Jofkfl/s k|of]hgdf cfPsf k"/fgf 3gfj:tL ePsf zx/L Onfsfx?
h:t} sf7df08f}sf] c;g, cf]6', 7d]n cflb, nnLtk'/sf] kf6g, ;'Gwf/f, d+unahf/ cflb,
eQmk'/sf] b/af/ If]q cf;kf; cflb, kfNkfsf] tfg;]g ahf/ cf;kf; cflb, g]kfnu+hsf] Psn}gL,
3/jf/L 6f]n, afu]Zj/L dlGb/ cf;kf; cflb h:tf If]qx?sf] 3/hUuf lwtf] lnbf ;DalGwt If]qLo
sfof{nosf] k"j{ :jLs[lt lng' kg]{5 .
[-8_ ;fj{hlgs ;8s;Fu hf]l8Psf] 3/hUuf lwtf] lng] ;DaGwdf a}+ssf] k|rlnt lwtf] ;'/If0f d"Nof+sg
sfo{ljlw adf]lhd x'g]5 . ] 96
[-9_ pRr ef]N6]hsf] ljB't k|;f/0f nfO{g d'gLsf] lwtf] lng] ;DaGwdf a}+ssf] k|rlnt lwtf] ;'/If0f d"Nof+sg
sfo{ljlw adf]lhd x'g]5 . ] 97
-0f_ d~h"/Lgfdfaf6 lwtf] lng] ;DaGwdfM d~h"/Lgfdfaf6 lwtf] lng] ;DaGwdf b]xfo adf]lhd ug{' kg]{5M
-c_ shf{ ;'/If0fsf] nflu cfjZos kg]{ lwtf] shf{ u|fxs -JolQm÷kmd{÷;+:yf÷sDkgL_ sf] cfˆg}
gfdsf] jf k|f]kf| O{6/÷;fem]bf/÷;+rfnssf] gfdsf] jf lghsf] Psf3/sf kl/jf/sf ;b:ox?sf]
gfdsf] lwtf] d~h"/Lgfdfaf6 klg lng ;lsg]5 .
-cf_ d~h"/Lgfdfaf6 lwtf] lnbf d~h"/Lgfdfsf] lnvtdf slt /sd d~h"/Lgfdfaf6 lwtf] lbOg] xf] ;f]
/sd :ki6 v'n]sf] x'g' kg]{5 . ;f]xL lwtf] lnO{ yk shf{ ;d]t k|jfx ug{'k/]df d~h"/Lgfdf lbg]
kIfaf6 k'gM d~h"/Lgfdf n]vfO{ lng' kg]{5 .
-O_ shf{sf] nflu u|fxs -JolQm÷kmd{÷;+:yf÷sDkgL_ sf] gfdsf] jf k|f]k|fO{6/÷;fem]bf/÷;+rfnssf]
gfdsf] jf lghsf] Psf3/sf kl/jf/sf ;b:osf] gfdsf] afx]s cGo t]>f] kIf
-JolQm÷kmd{÷;+:yf÷sDkgL_ sf] d~h"/Lgfdfaf6 lwtf] lng kfO{g] 5}g . t/ o;cl3 Psf3/sf
96 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ-8_ ;fj{hlgs ;8s;Fu hf]l8Psf] 3/hUuf lwtf] lng] ;DaGwdfM ;fj{hlgs ;8s;Fu
hf]l8Psf] 3/ hUuf lwtf] lnbf b]xfo adf]lhdsf] b'/L s6fP/ dfq lwtf] lng' kg]{5M
-c_ sf7df8f}+ pkTosfsf] rqmkysf] s]Gb| /]vfb]lv bfofFF afofF b'j}lt/ @%÷@% ld6/ tyf ^÷^ ld6/ ;d]t u/L #! ld6/ ;8s jf g]kfn ;/sf/n] ;do
;dodf tf]s]sf] dfkb08 adf]lhdsf] b'/L .
-cf_ /fli6«o /fhdfu{x?sf] s]Gb| /]vfb]lv bfofFF jfofF b'j}lt/ @%÷@% ld6/ ;8s .
-O_ ;xfos /fhdfu{sf] s]Gb| /]vfb]lv bfofFF jfofF b'j}lt/ !%÷!% ld6/ ;8s .
-O{_ lhNnf dfu{sf] s]Gb| /]vfb]lv bfofFF jfofF b'j}lt/ !)÷!) ld6/ ;8s .
-p_ ;fj{hlgs ;8ssf] Go"gtd ! ld6/b]lv clwstd % ld6/;Ddsf] k'm6kfy ;d]t .
-pm_ pNn]lvt ;8s ;Ldf aGb]h ;DaGwdf ;DalGwt lgsfon] ;fj{hlgs ;"rgf4f/f x]/km]/ u/]sf] 5÷5}g ;f] ;d]t Plsg u/]/dfq lwtf] lng'' kg{]5 .Æ
k|ltZyflkt ePsf]
97 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ-9_ pRr ef]N6]hsf] ljB't k|;f/0f nfO{g d'gLsf] lwtf] lng] ;DaGwdfM pRr ef]N6]hsf]
ljB't k|;f/0f nfO{g d'gLsf] lwtf] lnbf b]xfo adf]lhdsf] b'/L 5f]8]/ dfq lwtf] lng' kg]{5M
-c_ u|fxs ljt/0f tyf !! KV. ;Dd ljB't k|;f/0f nfO{gsf] 5]paf6 !=% ld6/ b'/L .
-cf_ !! KV. eGbf a9L ## KV. eGbf sd ljB't k|;f/0f nfO{gsf] 5]paf6 # ld6/ b'/L .
-O_ ## KV. jf ;f]eGbf a9Lsf] ljB't k|;f/0f nfO{gsf] 5]paf6 % ld6/ b'/L .
-O{_ 7"nf] lsQf ePsf] hUufsf] xsdf dfly pNn]lvt b'/L a/fa/sf] If]qkmn s6fO{ afFsL hUuf lwtf] lng ;lsg]5 .Æ k|ltZyflkt ePsf]

42 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 kl/jf/sf afx]s t]>f] kIfsf] lwtf] lnO{ shf{ nufgL u/]sf] eP g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd
yk shf{ gf]S;fgL Joj:yf ug'{ kg]{5 .
-O{_ [;Lldt bfloTj ePsf sDkgLsf] xsdf s"n shf{sf] nflu cfjZos kg]{ lwtf] sDkgLsf] gfddf
/x]sf] x'g' kg]{5 . o:tf] lwtf] sDkgLsf] gfddf /x]sf] rn crn ;DklQ x'g ;Sg]5 . a}+saf6
;+rfng k'FhL shf{ lnO{ To;af6 l;h{gf ePsf] rfn' ;DklQ / a}+saf6 cfjlws shf{ lnO{
To;af6 l;h{gf ePsf] l:y/ ;DklQ clgjfo{?kdf k|fylds lwtf]sf] ?kdf lng' kg]{5 . k|fylds
lwtf] :j?k lnO{Psf] kfpg'kg]{ /sd, dfn;fdfg :6s -df}Hbft_, KnfG6 tyf d]zLg/Lsf]
xfOkf]lys]zg ;DalGwt lgsfodf btf{ u/fpg' kg]{5 . o; ;DaGwdf u|fxsaf6 cg';"rL @*
adf]lhdsf] lnvt u/fO{ lng' kg]{5 . a}+sn] k|fOe]6 sDkgLsf ;+rfnsx?sf] JolQmut
hdfgtsf] sfuh ;d]t u/fO{ lng' kg{]5 . ] 98
-p_ Pp6f p2]Zosf] nflu d~h"/Lgfdfaf6 lnPsf] lwtf]af6 csf{] p2]Zodf shf{ lnbf jf shf{sf] ;Ldf
a[l4 ePdf k'gM d~h"/Lgfdf u/fpg' kg{]5 .
-pm_ shf{ u|fxsn] cfˆgf] lwtf]n] dfq gk'Ug] eO{ Psf3/ kl/jf/sf ;b:osf] d~h"/Lgfdfsf] lwtf] lbO{
shf{ lng rfx]df To:tf] d~h"/Lgfdfsf] lwtf]af6 slt shf{ /sd k|bfg ug{] xf]< ;f]sf] ljj/0f
:ki6 5'l§g] u/L d~h"/Lgfdfsf] lwtf] lng' kg{]5 .
-P_ Psf3/ kl/jf/sf ;b:osf] d~h"/Lgfdfaf6 lwtf] lnOg] eP ;Dej eP;Dd kl/jf/sf] ;/f]sf/jfnf
;b:ox?nfO{ d~h"/Lgfdfsf] sfuhdf ;fIfL /fVg' kg]{5 .
-P]_ d~h"/Lgfdf lbg] JolQmnfO{ shf{ lng] JolQmn] ;dodf shf{ glt/]df kl5 cfpg;Sg] kl/0ffd
-lnnfdL x'g], xsbfjL gnfUg] cflb_ sf] af/]df clgjfo{?kdf hfgsf/L u/fpg'kg{]5 / ;f] hfgsf/L
lbbfF klg d~h"/Lgfdf lbg ;xdlt hgfPdfdfq cg';"rL–!) / @* adf]lhdsf] kmf/fddf k"0f{
ljj/0f pNn]v u/L lwtf] lbg] JolQmsf] ;lx5fk u/fP/ dfq lwtf] lng' kg]{5 .
-cf]_ [lwtf] d~h"/Lgfdf lbg] JolQmsf] cg';"rL @* adf]lhdsf] JolQmut hdfgt lng ;lsg]5 .
JolQmut shf{sf] xsdf Psf3/ kl/jf/sf ;b:osf], kmd{sf] xsdf k|f]k|fO6/sf], ;fem]bf/L
;+:yfsf] xsdf ;a} ;fem]bf/x?sf] / k|fOe]6 sDkgLsf] xsdf ;a} ;+rfnsx?sf] JolQmut
hdfgt clgjfo{ ?kdf lng' kg]{5 . k|fOe]6 sDkgLsf] s'g} ;+rfnssf] JolQmut hdfgtsf]
;§fdf ;DalGwt ;+:yfsf] ;+:yfut hdfgt ;d]t lng ;lsg]5 . JolQmut hdfgtsf] ;§fdf
;+:yfut hdfgt lnbf k|dv ' sfo{sf/L clws[tsf] :jLs[lt lng' kg]{5 . ] 99
-cf}_ d~h"/Lgfdfsf] lwtf] lnO{ a}+s hdfgt tyf cGo u}/–sf]ifdf cfwfl/t ;'ljwfx? k|bfg ug]{
;DaGwdf ;f] ;DaGwL sfo{ljlwx?df pNn]v eP cg';f/ ug'{ kg]{5 .
-t_ a]lhNnfsf] lwtf] lng] ;DaGwdfM ;fdfGotof a]lhNnfsf] lwtf] lnO{ shf{ sf/f]af/ ug{ lg?T;flxt
ug'{ kg]{5 . t/ shf{ cfj]bs, kl/of]hgfsf] ;DefJotf / lwtf]sf] cj:yfsf] cfwf/df shf{ nufgL ug{
;DalGwt sfof{nonfO{ pko'Qm nfu]df ;fdflhs tyf ef}lts k"jf{wf/sf] ljsf; ePsf] zx/L If]qsf]
a]lhNnfsf] 3/hUuf lwtf] lnO{ shf{ nufgL ug{ b]xfo adf]lhdsf] lwtf] lng' kg]{5M
-c_ [ :jLs[t x'g] s"n shf{sf] nflu cfjZos kg]{ s'n lwtf] /sdsf] a9Ldf %) k|ltzt;Dd ;fdflhs
tyf ef}lts k"jf{wf/sf] ljsf; ePsf] If]qsf] a]lhNnfsf] lwtf] ;DalGwt sfof{non] lng ;Sg]5 .
98 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ;fdfGotof ;Lldt bfloTj ePsf sDkgLsf] xsdf s"n shf{sf] nflu cfjZos kg]{ lwtf]sf]
slDtdf @% k|ltzt lwtf] ;DalGwt sDkgLsf] cfˆg} gfdsf] x'g' kg{]5 . t/ To:tf sDkgLsf] cfˆg} gfdsf] lwtf] gePtfklg a}+saf6 k|bfg ul/g] shf{ k"0f{
;'/lIft x'g] a}+snfO{ nfu]df If]qLo sfof{noaf6 :jLs[lt lnO{ ;DalGwt sDkgLsf ;+rfnsx?sf] gfdsf] jf lghx?sf] Psf3/sf kl/jf/sf ;b:ox?sf]
d~h"/Lgfdfaf6 ztk|ltzt lwtf] lnO{ shf{ k|bfg ug{ ;lsg]5 . a}+sn] sDkgLsf ;+rfnsx?sf] JolQmut hdfgtsf] sfuh ;d]t u/fO{ lng' kg{]5 .Æ
k|ltZyflkt ePsf]
99 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ lwtf] d~h"/Lgfdf lbg] JolQmsf] clgjfo{ ?kdf cg';"rL @* adf]lhdsf] JolQmut hdfgt
lng' kg]{5 .Æ k|ltZyflkt ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 43

 kl/of]hgfsf] ;DefJotfsf] cfwf/df ;fdflhs tyf ef}lts k"jf{wf/sf] ljsf; ePsf] If]qsf]
a]lhNnfsf] lwtf] lnO{ shf{ nufgL ug{ ;DalGwt sfof{nonfO{ pko'Qm nfu]df ;DalGwt k|b]z
sfof{nosf] :jLs[lt lnO{ :jLs[t x'g] s'n shf{sf] nflu cfjZos kg]{ s'n lwtf] /sdsf]
ztk|ltzt;Dd a]lhNnfsf] lwtf] lnO{ shf{ nufgL ug{ ;lsg]5 . ] 100
-cf_ [..] 101
-O_ sf7df8f}+ pkTosfleq /x]sf lhNnfx? sf7df8f}+, nlntk'/ / eQmk'/ tyf sfe|]knf~rf]ssf]
w'lnv]n / ag]kf gu/kflnsfsf] ;fdflhs Pj+ ef}lts k"jf{wf/sf] ljsf; ePsf]] zx/L If]qsf]
cfjf;Lo Pj+ Jofkfl/s k|of]hgdf cfpg;Sg] ztk|ltzt lwtf] lnO{ shf{ k|jfx ug{ a]lhNnfsf]
lwtf] ;Ldf nfu" x'g] 5}g .
-O{_ PseGbf a9L lhNnf sfo{If]q ePsf sfof{nox?n] cfˆgf] tf]lsPsf] sfo{If]qleqsf] lwtf]
a]lhNnfsf] ?kdf u0fgf x'g] 5}g .
-p_ skf]{/]6 a}+lsË sfof{non] s'g} klg lhNnfsf] ztk|ltzt lwtf] lnO{ shf{ nufgL ug{ ;Sg]5 .
-pm_ ;fdflhs tyf ef}lts k"jf{wf/sf] ljsf; ePsf] zx/L If]qsf] ztk|ltzt a]lhNnfsf] lwtf] lnO{
;/n s[lif shf{ p2]Zodf shf{ k|jfx ug{ ;lsg]5 .
-P_ [-!_ a]lhNnfsf] lwtf] lnO{ shf{ ;'ljwf sf/f]af/ ug{ shf{ ;'ljwf k|bfg ug]{ sfof{non] lwtf]
/x]sf] If]qsf] glhssf] sfof{nonfO{ lwtf] lg/LIf0fsf] nflu cg'/f]w ug]{5 . lwtf] d"Nof+sg ug]{
sfof{non] lwtf] lg/LIf0f u/L pQm lwtf] a}+snfO{ :jLsf/of]Uo 5 5}g x]/L] cg';"rL ^ adf]lhdsf]
:ynut lg/LIf0f k|ltj]bg tof/ u/L shf{ ;'ljwf k|bfg ug]{ sfof{nonfO{ k7fpg' kg]{5 . shf{
;'ljwf k|bfg ug]{ sfof{non] kl/of]hgf ;DaGwL :ynut lg/LIf0f k|ltj]bg -cg';"rL ^_ tyf
lwtf] ;DaGwL k|fKt lg/LIf0f k|ltj]bg -cg';"rL ^_ ;d]t ;+nUg u/L pQm lwtf] lng] :jLs[ltsf]
nflu l;kmfl/z;fy ;DalGwt k|b]z sfof{nodf k7fpg]5 . kl/of]hgf / lwtf]sf] cfwf/df shf{
k|jfx ug{ pko'Qm eP gePsf] ljZn]if0f u/L ztk|ltzt;Dd a]lhNnfsf] lwtf] lnO{ shf{ k|jfx
ug{ ;DalGwt k|b]z sfof{non] :jLs[lt k|bfg ug{ ;Sg]5 . ;DalGwt k|b]z sfof{noaf6 :jLs[lt
k|fKt ePkl5 lwtf] d"Nof+sgsf] nflu lwtf] glhs /x]sf] sfof{nonfO{ lwtf] d"Nof+sgsf] nflu
kqfrf/ ul/g]5 . lwtf] d"Nof+sg ug]{ sfof{non] lwtf] d"Nof+sg u/L÷u/fO{ lwtf] ;dLIff ;d]t
u/L lwtf] d"Nof+sg k|ltj]bg shf{ ;'ljwf k|bfg ug]{ sfof{nonfO{ k7fpg]5 .
-@_ :jLs[t x'g] s"n shf{sf] nflu cfjZos kg]{ s'n lwtf] /sdsf] a9Ldf %) k|ltzt;Dd
;fdflhs tyf ef}lts k"jf{wf/sf] ljsf; ePsf] If]qsf] a]lhNnfsf] lwtf] ;DalGwt sfof{no
cfkm}n] lng ;Sg] cj:yfdf k|b]z sfof{nosf] :jLs[lt cfjZos kg]{ 5}g . t/ cGo k|lqmof
dfly a'Fbf -!_ df pNn]v eP adf]lhd g} x'g]5 .
-P]_ a]lhNnfsf] lwtf] lnO{ a}+s hdfgt tyf cGo u}/–sf]ifdf cfwfl/t ;'ljwf sf/f]jf/ ug]{ ;DaGwdf
;f]xL ;DaGwL sfo{ljlwx?df pNn]v eP cg';f/ ug'{ kg]{5 .
100 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ:jLs[t x'g] s"n shf{sf] nflu cfjZos kg]{ s'n lwtf] /sdsf] a9Ldf %) k|ltzt;Dddfq
;fdflhs tyf ef}lts k"jf{wf/sf] ljsf; ePsf] zx/L If]qsf] a]lhNnfsf] lwtf] lng ;lsg]5 . t/ c;n u|fxssf] xsdf kl/of]hgfsf] ;DefJotf /
;fdflhs tyf ef}lts k"jf{wf/sf] ljsf; ePsf] zx/L If]qsf] a]lhNnfsf] lwtf] lnO{ shf{ nufgL ug{ ;DalGwt sfof{nonfO{ pko'Qm nfu]df If]qLo
sfof{nosf] :jLs[lt lnO{ :jLs[t x'g] s'n shf{sf] nflu cfjZos kg]{ s'n lwtf] /sdsf] a9Ldf &% k|ltzt;Dd a]lhNnfsf] lwtf] lnO{ nufgL ug{ ;lsg]5
/ cfjZos lwtf]sf] afFsL @% k|ltzt lwtf] clgjfo{?kdf ;DalGwt lhNnfsf] g} x'g' kg]{5 .Æ k|ltZyflkt ePsf]
101;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ sfo{If]q [jf lhNnf]* l;dfgf hf]l8Psf] lHfNnfsf] xsdf ;fdflhs tyf ef}lts
k"jf{wf/sf] ljsf; ePsf] zx/L If]qsf] ztk|ltzt a]lhNnfsf] lwtf] lnO{ shf{ nufgL ug{ ;DalGwt If]qLo sfof{non] cg';"rL ^ adf]lhdsf] :ynut
lg/LIf0f k|ltj]bg ;d]t tof/ u/L cfjZostfcg';f/ :jLs[lt lbg ;Sg]5 . [lwtf] cnu cnu If]qLo sfof{nox?sf] sfo{If]qleq kg]{ ePdf ;DalGwt If]qLo
sfof{nox?sf] l;kmfl/zdf ;DalGwt ljefun] lwtf] lng :jLs[lt lbg ;Sg]5 .]** Æ x6fOPsf]
*;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk
**;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf]

44 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 -cf]_ a}+ssf sd{rf/Laf6 a]lhNnfsf] lwtf] d"Nof+sg ug'{ k/]df k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL
sfo{ljlwdf pNn]v ePcg';f/sf] z'Ns lng' kg]{5 .
[-y_ vl/b x'g] ;DklQ g} lwtf] lnO{ shf{ nufgL ug]{ ;DaGwdfM
-c_ kl/of]hgf ;+rfng ug{ cfjZos kg]{ 7"nf ;DklQx? vl/b ug{ vl/b x'g] ;DklQ lwtf] /xg] u/L
shf{÷;'ljwf k|bfg ug{ ;lsg]5 . o;/L ;DklQ vl/b ubf{ tf]lsPsf] k|ltztn] u|fxsn] cfˆgf]
:jMnfut /sd ;d]t nufPsf] x'g' kg]{5 .
-cf_ o:tf] ;DklQsf] Proforma Invoice jf cflwsfl/s sf]6]zg d"Nosf] cfwf/df shf{ ;Ldf :jLs[t
ug{ ;lsg]5 . cGo l:y/ ;DklQsf] xsdf a}+ssf] k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL sfo{ljlwdf
pNn]v eP adf]lhd lwtf] d"Nof+sg u/fO{ shf{ :jLs[ltsf] k|lqmof z'? ug{' kg]{5 . ] 102
$$= lwtf] d"Nof+sgM -!_ shf{ lng rfxg] u|fxs -JolQm÷kmd{÷;+:yf÷sDkgL_ n] lwtf]:j?k lbg rfx]sf] 3/hUUff,
ldn d]lzg/L, ;jf/L ;fwg tyf sfuhft lwtf] ;'/If0fsf] d"Nof+sg shf{ :jLs[t x'g'eGbf cufl8 g} ug{' kg]{5 .
-@_ lwtf] d"Nof+sg ubf{ b]xfo adf]lhd ug{' kg{]5M
-s_ crn ;DklQ -3/÷hUuf_ sf] d"Nof+sgM shf{ cfj]bsn] cg';"rL $ adf]lhd k]z u/]sf sfuhftx?
a}+snfO{ :jLsf/of]Uo ePdf lwtf]sf] ef}lts Pj+ sfg"gL cj:yf tyf k|:tfljt kl/of]hgfsf] ;DefJotf
af/] k|f/lDes :ynut lg/LIf0f u/L shf{ nufgL ug{ pko'Qm eP÷gePsf] Plsg ug'{ kg]{5 . shf{ nufgL
ug{ pko'Qm ePdf a}+snfO{ lwtf] afkt lbPsf] 3/÷hUuf a}+ssf] k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL
sfo{ljlwcg';f/ lwtf] d"Nof+sg u/fpg' kg]{5 .
-c_ a+}ssf] sd{rf/Laf6 lwtf] d"Nof+sg ug]{ ;DaGwdfM a}+ssf] k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL
sfo{ljlwdf Joj:yf ePcg';f/ a}+s sd{rf/Laf6 b]xfo adf]lhd lwtf] d"Nof+sg ug{' kg{]5M
(1) ?=!) nfv;Ddsf] shf{sf] nflu a}+s sd{rf/Laf6 lwtf] d"Nof+sg ug{ ;lsg]5 .
;"rLs[t lwtf] d"Nof+sgstf{ pknAw gePsf] cj:yfdf k|b]z sfof{noaf6 :jLs[lt lnO{
?=@) nfvsf] shf{ ;Ldf ggf3\g] u/L ?=@% nfv;Ddsf] shf{ ;'ljwf sf/f]af/ ;Ldfsf]
nflu a}+s sd{rf/Laf6 lwtf] d"Nof+sg ug{ ;lsg]5 . ] 103 ;f]eGbf dfly ;"rLs[t
d"Nof+sgstf{af6 lwtf] d"Nof+sg u/fpg' kg]{5 . a}+s sd{rf/Ln] lwtf] d"Nof+sg ubf{
cg';"rL & adf]lhdsf] k|ltj]bg k]z ug{' kg]{5 . cGo Joj:yf a}+ssf] k|rlnt lwtf]
d"Nof+sgstf{ ;DaGwL sfo{ljlw [adf]lhd] 104 x'g]5 .
(2) lwtf] d"Nof+sg ubf{ ;Dej eP;Dd sDtLdf @ hgf sd{rf/Lsf] ;+o'Qm 6f]nLn] ug'{ kg]{5 . b'O{
hgf ;f]xL:t/ jf km/s txsf sd{rf/Lsf] ;+o'Qm 6f]nLjf6 lwtf] d"Nof+sg ug'{kbf{ 6f]nLdf
;+nUg dflyNnf]:t/sf] sd{rf/Lsf] clwsf/ ;Ldfleqsf] dfq lwtf] d"Nof+sg ug{ ;lsg]5 .
(3) zfvf tyf d'Vo zfvf sfof{nosf] xsdf x'g] lwtf] d"Nof+sgdf ;xfos:t/sf] sd{rf/L
PSn}n]dfq lwtf] d"Nof+sg ug{ kfOg] 5}g .
(4) cf+lzs lwtf] km's'jf÷lwtf] ;§fk§f÷lwtf] x:tfGt/0f ug'{ k/]df dflysf] a'Fbf -!_ / -@_
sf] clwsf/ ;Ldfadf]lhd g} ug{' kg]{5 .
-cf_ ;"rLs[t lwtf] d"Nof+sgstf{af6 lwtf] d"Nof+sg u/fpg] ;DaGwdfM [;"rLs[t
d"Nof+sgstf{af6 lwtf] d"Nof+sg ubf{ b]xfo adf]lhd u/fpg' kg]{5] 105. ;'/If0f afkt /x]sf
102;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk ePsf]
103 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ?=!) nfv;Ddsf] shf{sf] xsdf a}+s sd{rf/Laf6 ?=@% nfv d"No;DDfsf] lwtf] d"Nof+sg
ug{ ;lsg]5 .Æ k|ltZyflkt ePsf]
104 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ cg';f/ Æ k|ltZyflkt ePsf]
105 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ?=@% nfveGbf a9L lwtf] d"Nof+sg ubf{ clgjfo{ ?kdf a}+saf6 ;"rLs[t d"Nof+sgstf{af6
b]xfo adf]lhd lwtf] d"Nof+sg u/fpg' kg]{5 Æ k|ltZyflkt ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 45

 ljleGg k|sf/sf lwtf]sf] d"Nof+sg ug]{ cfwf/ tyf cGo ;Dk"0f{ ljlw÷k|lqmof k|rlnt lwtf]
d"Nof+sgstf{ ;DaGwL sfo{ljlw cg';f/ x'g]5 .
(1) shf{ cfj]bsn] cg';"rL $ adf]lhd k]z u/]sf sfuhftx? a}+snfO{ :jLsf/of]Uo ePdf
lwtf]sf] ef}lts Pj+ sfg"gL cj:yf tyf k|:tfljt kl/of]hgfsf] ;DefJotf af/] k|f/lDes
:ynut lg/LIf0f u/L shf{ nufgL ug{ pko'Qm eP÷gePsf] cg';"rL ^ adf]lhd lg/LIf0f
k|ltj]bg k]z ug'{ kg]{5 .
-@_ shf{ cfj]bsn] shf{ ;'/If0f afkt lbg] lwtf] a}+snfO{ :jLsf/of]Uo ePdf lwtf]
d"Nof+sg ug{ lwtf] d"Nof+sgstf{nfO{ cg';"rL * adf]lhdsf] kq lbg' kg]{5 . cGo
Joj:yf a}+ssf] k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL sfo{ljlw cg';f/ x'g]5 .
-O_ lwtf] d"Nof+sgsf] ;dLIffM ;"rLs[t lwtf] d"Nof+sgstf{n] u/]sf] lwtf] d"Nof+sg /sdnfO{ b]xfo
adf]lhd ;dLIff ug'{ kg]{5M
(1) ;"rLs[t lwtf] d"Nof+sgstf{af6 k]z ePsf] lwtf] d"Nof+sg k|ltj]bgnfO{ ;DalGwt
sfof{non] k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL sfo{ljlw cg';f/ d"Nof+sg
eP÷gePsf] ;dLIff ug'{ kg]{5 . cg';"rL ( adf]lhdsf] lwtf] d"Nof+sgsf] ;dLIff u/L
a}+s lgodfg';f/ dflh{g s6fO{ s'n shf{of]Uo ;Ldf /sd sfod ug'{ kg]{5 .
(2) ;"rLs[t lwtf] d"Nof+sgstf{af6 k]z ePsf] lwtf] d"Nof+sg /sd ;DalGwt sfof{nonfO{
pko'Qm gnfu]df pko'Qm sf/0f ;lxt d"Nof+sg /sddf kl/jt{g ug{ ;lsg]5 .
(3) ;"rLs[t lwtf] d"Nof+sgstf{n] u/]sf] lwtf] d"Nof+sg /sd hlt;'s} ePtfklg ;DalGwt
sfof{non] g} pQm lwtf] d"Nof+sgsf] ;dLIff ug'{ kg]{5 . [
(4) skf]{/]6 a}+lsË sfof{non] pkTosf aflx/sf] lwtf] lnO{ shf{ ;'ljwf :jLs[t ug{' kbf{
lwtf] glhs /x]sf] ;DalGwt sfof{no jf k|b]z sfof{noaf6 crn ;DklQ lwtf] /x]sf]
If]q, lwtf]sf] cj:yf / pko'Qmtf cflbsf] ;DaGwdf cg';"rL ^=! adf]lhdsf] ljj/0f
lng' kg]{5 . ] 106
-O{_ lwtf] l;kmfl/z÷;dLIff÷:jLs[lt ;DaGwdfM
(1) pkzfvf:t/sf] sfof{nodf ;xfos:t/sf sd{rf/Lx?n] lwtf] lg/LIf0f u/L lwtf]
:jLs[ltsf] nflu l;kmfl/z ug'{ kg]{5 / k|aGwsn] ;dLIff u/L lwtf] :jLs[t ug{' kg]{5 .
(2) zfvf:t/sf] sfof{nodf ;xfos:t/sf sd{rf/Lx?n] lwtf] lg/LIf0f u/L lwtf]
:jLs[ltsf] nflu l;kmfl/z u/]df clws[t:t/sf] sd{rf/Ln] ;dLIff ug]{ / k|aGwsn]
lwtf] :jLs[t ug'{ kg]{5 t/ clws[t:t/sf sd{rf/Lx?n] lwtf] lg/LIf0f u/L :jLs[ltsf]
nflu l;kmfl/z u/]df k|aGwsn] g} ;dLIff u/L lwtf] :jLs[t ug'{ kg]{5 .
(3) d'Vo zfvf sfof{no÷skf]{/]6 a}+lsË sfof{nosf] xsdf clws[t:t/÷;xfos:t/sf
sd{rf/Lx?n] lwtf] lg/LIf0f u/L lwtf] :jLs[ltsf] nflu l;kmfl/z u/]df zfvf
k|d'vn] ;dLIff ug]{ / k|aGwsn] lwtf] :jLs[t ug'{ kg]{5 . zfvf k|d'v ;lxtsf]
sd{rf/Lx?n] lwtf] lg/LIf0f u/L lwtf] :jLs[ltsf] nflu l;kmfl/z u/]df k|aGwsn] g}
;dLIff u/L lwtf] :jLs[t ug'{ kg]{5 .
-p_ lwtf] d"Nof+sg /sddf dflh{g s6fpg] ;DaGwdfM
[-!_ a}+s sd{rf/L÷;"rLs[t lwtf] d"Nof+sgstf{n] u/]sf] lwtf] d"Nof+sg /sddf #) k|ltzt
dflh{g s6fO{ s"n shf{of]Uo ;Ldf /sd sfod ug'{ kg]{5 .
-@_ pkbkmf -!_ df Joj:yf pNn]v ePtfklg 7"nf ;+:yfut Prime shf{ u|fxssf] xsdf

106 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

46 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 k|d'v sfo{sf/L clws[tsf] :jLs[lt lnO{ lwtf] d"Nof+sg /sddf @) k|ltzt dflh{g s6fO{
s"n shf{of]Uo ;Ldf /sd sfod ug{ ;lsg]5 .
-#_ skf]{/]6 a}+lsË sfof{no / d'Vo sfof{noaf6 :jLs[t x'g] cfjlws shf{sf] xsdf hf]lvdsf]
:t/ cg';f/ dflh{g gs6fO{ lwtf]sf] s"n d"Nof+lst /sd;Dd cfjlws tyf rfn' k'FhL
shf{ k|jfx ug{ ;lsg]5 . ] 107
-pm_ lwtf] d"Nof+sgsf] dfGo cjlwM Psk6s dNof+sg ePsf] lwtf]sf] dfGo cjlw clwstd !)
jif{sf] x'g]5 . d"Nof+sg ePsf] !) jif{eGbf a9L cjlw k'u]kl5 clgjfo{?kdf lwtf] k'gM
d"Nof+sg ug{' kg]{5 . [t/ cfjlws shf{ pkof]u ug]{ u|fxssf] xsdf of] Joj:yf nfu"
x'g] 5}g .] 108
-v_ sfuhft lwtf] ;'/If0f d"Nof+sg ;DaGwdfM sfuhft lwtf] lnO{ shf{ nufgL ubf{ lwtf]sf]
d"Nof+sg b]xfo adf]lhd x'g]5 .
-c_ o; a}+ssf] cfˆg} d'4tL lgIf]k /l;bnfO{ lwtf] lnO{ shf{ nufgL ug{ ;lsg]5 . cGo
…sÚ ju{sf] jfl0fHo a}+sx?sf] d'4tL lgIf]k /l;bnfO{ ;d]t yk lwtf]sf] ?kdf :jLsf/ ug{ ;lsg]5
t/ cGo a}+ssf] d'4tL lgIf]k /l;b lnO{ d'2lt /l;b lwtf] shf{ lbg kfOg] 5}g .
-cf_ d'4tL lgIf]k /l;bsf] d"Nof+sg ubf{ cfˆg} a}+ssf] d'4tL lgIf]k /l;b /sd sf] () k|ltzt tyf
cGo …sÚ ju{sf] a}+ssf] d'4tL lgIf]k /l;b /sd sf] *) k|ltzt;Dd s'n shf{of]Uo ;Ldf /sd
sfod ug{ ;lsg]5 .
-O_ gful/s art kq, j}b]lzs art kq, /f]huf/ art kq, ljsf; C0fkq, cGo j08÷:6s, 6]«h/L
ljN; tyf cGo ;'/If0fkqdf c+lst /sd sf] *) k|ltzt;Dd s'n shf{of]Uo ;Ldf
/sd sfod ug{ ;lsg]5 .
-u_ ldn d]lzg/L Pj+ ;jf/L ;fwgsf] d"Nof+sg ;DaGwdfM ldn d]lzg/L Pj+ ;jf/L ;fwgsf] d"Nof+sg
a}+ssf] k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL sfo{ljlw adf]lhd ug'{ kg]{5 ;fy} k|To]s jif{ a}+s lgodfg';f/
Xf;s§L ug'{ kg]{5 .
$%= lwtf] d"Nof+sgsf] clen]v, ljlw tyf 9fFrfx?M a}+ssf] k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL sfo{ljlwdf
pNn]v ePcg';f/ tyf a}+ssf] d'Vo sfof{noaf6 ;do;dodf tf]lsP adf]lhd x'g]5 .
$^= lwtf] d"Nof+sgsf] bfloTj lng] ;DaGwdfM -!_ sd{rf/Laf6 d"Nof+sg ul/g] lwtf]sf] xsdf lwtf] d"Nof+sg
ug{] a}+ssf] sd{rf/L jf lwtf] d"Nof+sg ug{] 6f]nLsf] l;kmfl/zsf] cfwf/df k|bfg ePsf] shf{ lwtf]sf] sf/0faf6
c;'/lIft ePsf] jf kmhL{ lwtf] d"Nof+sg ePsf] jf jf:tljs d"NoeGbf clws d"Nof+sg eO{ shf{ k|jfx ePsf]
lg/LIf0faf6 b]lvPdf b]xfosf] kl/l:ylt cg';f/ lg/LIf0f d"Nof+sg ug{], ;dLIff ug{] / :jLs[t ug{] sd{rf/Lx?n]
bfloTj jxg ug{' kg]{5M
-s_ lwtf]sf] nflu sfg"gL xbDofb gk'u]sf] .
-v_ lwtf] d"Nof+sg kmf/fddf k]z ePsf] lwtf]sf] ljj/0f / ;Ssn sfuhftdf ePsf] ljj/0f gldn]sf] .
-u_ lwtf] ;DaGwL cfjZos sfuhft k]z gePsf] .
-3_ k]z ePsf] sfuhft gle8fPsf] .
-ª_ ljutdf d"Nof+sg ePsf] ;f]xL If]qsf] cGo hUufsf] d"Nof+sgeGbf cToflws d"No sfod u/L d"Nof+sg
ul/Psf] .
107 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ a}+s sd{rf/L÷;"rLs[t lwtf] d"Nof+sgstf{n] u/]sf] lwtf] d"Nof+sg /sddf $) k|ltzt
dflh{g s6fO{ s'n shf{of]Uo ;Ldf /sd sfod ug'{ kg]{5 . a}+saf6 c;n u|fxs ;'ljwfk|fKt u|fxsnfO{ a}+ssf] k|rlnt c;n u|fxs ;'ljwf ;DaGwL
sfo{ljlwdf Joj:yf ePcg';f/ lwtf] d"Nof+sg /sddf dflh{g s6fO{ s'n shf{of]Uo ;Ldf /sd sfod ug'{ kg]{5 .Æ k|ltZyflkt ePsf]
108
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 47

 -r_ gfkL gS;fdf lwtf] lbg] 3/÷hUuf :ki6 ls6fg gePsf] .
-5_ v]tLkftLsf] nflu k|of]udf gcfPsf] ufpFsf] klt{ hUuf pkef]udf cfpg g;Sg] le/, kfvf], ju/, 3f]n
hUuf d"Nof+sg ul/Psf] .
-h_ klx/f] tyf gbL÷vf]nf lsgf/fsf] c;'/lIft hUuf, ;8s ;Ldfleqsf] hUuf, ;fj{hlgs k"jf{wf/ jg]sf]
hUuf / ;f+:s[lts dxTjsf hUuf d"Nof+sg u/L shf{ k|bfg ePsf] .
-em_ a}+sn] aGb]h u/]sf] lwtf] lnPdf .
-@_ ;"rLs[t lwtf] d"Nof+sgstf{af6 d"Nof+sg x'g] lwtf]sf] ;DaGwdf d"Nof+sgstf{ klg :jo+ lhDd]jf/
x'g] / [;DalGwt sfof{no / k|b]z ] 109sfof{nodf pQm lwtf] ;ldIff k|lqmofdf ;xefuL x'g] l;kmfl/z ug]{, ;ldIff
ug]{ [tyf] 110:jLs[lt ug]{ [/] 111lwtf]sf] k|f/lDes ?kdf :ynut lg/LIf0f k|lqmofdf ;+nUg x'g] ;DalGwt
sfof{nosf ;a} sd{rf/Lx?n] ;dfg bfloTj jxg ug{' kg]{5 . o; k|lqmofdf ;+nUg sd{rf/Lx? cjsfzkZrft\
klg cfˆgf] bfloTjaf6 d'Qm ePsf] dflgg] 5}g . [kl/of]hgfsf] k|s[lt / shf{ /sdsf] cfwf/df cfjZos
b]lvPdf dfq d'Vo sfof{nosf sd{rf/Ln] lwtf] tyf kl/of]hgfsf] lg/LIf0f ug]{5 . lwtf] lg/LIf0f u/]sf]
xsdf lghn] ;d]t lwtf] ;dLIffdf ;xefuL eP ;/xsf] bfloTj lng' kg]{5 . d'Vo sfof{nosf sd{rf/Ln]
lwtf] tyf kl/of]hgf lg/LIf0f u/]df lghn] lwtf] tyf kl/of]hgf lg/LIf0f u/]sf] cg';"rL !*=^ adf]lhdsf]
k|ltj]bg ;DalGwt ljefudf k]z ug{' kg]{5 . k|ltj]bgsf] Ps k|lt ;DalGwt sfof{nodf /x]sf] u|fxssf]
ldl;ndf ;d]t cBfjlws ug{' kg]{5 . ] 112
$&= sfof{nosf] sfo{If]qeGbf aflx/sf] jf a]lhNnfsf] lwtf] d"Nof+sg ;DaGwdfM shf{ cfj]bsn] shf{ ;'/If0fsf
nflu sfof{nosf] sfo{If]qeGbf aflx/ jf a]lhNnfsf] lwtf] lbg] ePdf b]xfo adf]lhd lwtf] d"Nof+sg u/fpg'
kg]{5M
-s_ lwtf] d"Nof+sgsf] nflu lwtf] /x]sf] If]qsf] kfos kg]{ sfof{nonfO{ u|fxsn] dfu u/]sf] shf{ /sd /
lwtf]sf] ljj/0f;d]t v'nfO{ lwtf] d"Nof+sg ug{ cfjZos kg]{ sfuhftx? ;d]t ;+nUg u/L kqfrf/ ug{'
kg{]5 .
-v_ lwtf] d"Nof+sg ug{] sfof{non] lwtf] ;'/If0fdf /xg] lwtf]sf] :ynut lg/LIf0f u/L cg';"rL ^
cg';f/ a}+s lgodfg';f/ lwtf] :jLsf/ ug{ ;lsg]÷g;lsg] /fo ;lxtsf] k|ltj]bg k]z ug'{ kg]{5 .
-u_ d"Nof+sgsf] nflu cg'/f]w eO{ cfPsf] lwtf] a}+s lgodfg';f/ :jLsf/of]Uo ePdf a}+s sd{rf/Laf6
g} d"Nof+sg ug{ ;lsg] eP a}+s sd{rf/L tyf ;"rLs[t d"Nof+sgstf{af6 d"Nof+sg u/fpg' kg]{ ePdf
cg';"rL * cg';f/ lwtf] d"Nof+sg ug{ kq k7fpg' kg]{5 .
-3_;"rLs[t lwtf] d"Nof+sgstf{n] u/]sf] lwtf] d"Nof+sgnfO{ k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL
sfo{ljlw cg';f/ d"Nof+sg eP÷gePsf] ;dLIff ug{' kg]{5 / cg';"rL ( adf]lhdsf] lwtf]
d"Nof+sg ;dLIff u/L shf{÷;'ljwf k|jfx ug]{ sfof{nodf k7fpg' kg{5 ] . shf{÷;'ljwf k|jfx
ug]{ sfof{non] pQm lwtf] d"Nof+sg k|ltj]bgsf] [cfjZos b]lvPdf cg';"rL ( adf]lhd k'gM
lwtf] ;dLIff ug{ ;Sg] 5 .] 113
$*= 3/÷hUUffsf] k'gM d"Nof+sg ug{ ;lsg] cj:yfM a}+sdf lwtf] :j?k /fv]sf] 3/÷hUuf tyf ef}lts
;+/rgfsf] ljleGg sf/0faf6 d"Nodf yk36 x'g ;Sg] ePsfn] zx/Ls/0f, af6f], ljB't, 6]lnkmf]g,
l;+rfO{ ;'ljwfdf a[l4 cflb sf/0faf6 a}+snfO{ lbPsf] lwtf]sf] d"No a9]sf] sf/0f bzf{O{ u|fxsn] k'gM
109 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
110 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ/Æ k|ltZyflkt ePsf]
111 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ tyf Æ k|ltZyflkt ePsf]
112 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
113
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æcg';"rL ( adf]lhd k'gM lwtf] ;dLIff ug'{ kg]{5 .Æ eÌ] Joj:yf
k|lt:yfkg ePsf]

48 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 d"Nof+sg u/Llbg a}+snfO{ lnlvt cg'/f]w u/]df b]xfo adf]lhdsf] ;dofjlw kl5 k'gM d"Nof+sg ug{
;lsg]5M
-s_ gu/kflnsf÷pk–dxfgu/kflnsf÷dxfgu/kflnsf If]qsf] 3/hUuf, kSsL 3/, uf]bfd,
sf]N8:6f]/]h cflb d"Nof+sg u/]sf] @ jif{ Joltt ePkl5dfq k'gM d"Nof+sg ug{ ;lsg]5 .
a}+sdf lwtf] /fvL ;s]kl5 pQm hUufdf lgdf{0f ePsf] 3/÷uf]bfd cflb d"Nof+sgsf] nflu
u|fxsn] cg'/f]w u/]df lgdf{0f ePsf] 3/÷uf]bfd d"Nof+sg ug{ pk/f]Qm ;do Joltt x'g' kg]{ 5}g
. t/ pQm 3/÷uf]bfdn] rr]{sf] hUuf @ jif{ gk'Ub} k'gM d"Nof+sg ug{ ;lsg] 5}g .
-v_ ufpFkflnsf If]qsf] 3/hUuf, kSsL 3/, uf]bfd, sf]N8:6f]/]h cflb d"Nof+sg u/]sf] # jif{ Joltt
ePkl5 dfq k'gM d"Nof+sg ug{ ;lsg]5 . a}+sdf lwtf] /fvL ;s]kl5 pQm hUufdf lgdf{0f u/]sf]
3/÷uf]bfd cflb d"Nof+sgsf] nflu u|fxsn] cg'/f]w u/]df lgdf{0f ePsf] 3/÷uf]bfd d"Nof+sg
ug{ pk/f]Qm ;do Joltt x'g' kg]{ 5}g . t/ pQm 3/÷uf]bfdn] rr]{sf] hUuf # jif{ gk'Ub} k'gM
d"Nof+sg ug{ ;lsg] 5}g .
-u_ a}+sdf lwtf] /x]sf] 3/hUufsf] cf;kf;sf] If]qdf ef}lts k"jf{wf/sf] ljsf; ePsf] sf/0faf6
d"Nodf a[l¢ ePsf] b]xfo jdf]lhdsf] :ki6 cfwf/ bzf{O{ u|fxsn] pk/f]Qm ;do Joltt gx'Fb}
k'gM d"Nof+sg ul/lbg lnlvt cg'/f]w u/]df gu/kflnsf÷pk–dxfgu/kflnsf÷dxfgu/kflnsf
If]qsf] @ jif{ tyf ufpFkflnsf If]qsf] # jif{ lwtf] d"Nof+sg u/]sf] cjlw gk'Ub} If]qLo
sfof{noaf6 :jLs[lt lnO{ k'gM d"Nof+sg ug{ ;lsg]5 . lwtf] k'gM d"Nof+sg :jLs[ltsf] nflu
;DalGwt sfof{non] cg';"rL ^ cg';f/ :ynut lg/LIf0f k|ltj]bg ;lxt l;kmfl/z ug'{ kg]{5 .
;DalGwt sfof{nosf] b]xfo adf]lhdsf] k'i6\ofO{ pko'Qm nfu]dfdfq If]qLo sfof{non] k'gM
d"Nof+sg ug{sf] nflu :jLs[lt lbg ;Sg]5 .
-c_ af6f]÷;8s gePsf] hUufdf ;fj{hlgs af6f]÷;8s ag]df .
-cf_ u|fe]n ;8s ePsf]df kSsL ;8s ag]df .
-O_ ;8ssf] rf}8fO{ lj:tf/ eO{ d"No a[l¢ ePdf .
-O{_ ljh'nL, 6]nLkmf]g, 9n, kfgLsf] Joj:yf gePsf] 3/÷hUufdf ;f] ;'ljwfx? yk ePdf .
-p_ c:ktfn, ljZjljBfno, sn]h, :s"n, snsf/vfgf / Jofkfl/s ejg cflb lgdf{0f eO{
cfly{s lqmofsnfk uO{ 3/hUufsf] d"Nodf a[l¢ ePdf .
(1) a}+ssf sd{rf/Laf6 ul/Psf] lwtf] d"Nof+sg ;"rLs[t lwtf] d"Nof+sgstf{af6 k'gM
d"Nof+sg u/fpg' k/]df k'gM d"Nof+sg ug{ kv{g'kg]{ ;dofjlw nfu" x'g] 5}g t/ a}+s
sd{rf/Laf6 ePsf] lwtf] d"Nof+sg a}+s sd{rf/Laf6} tyf ;"rLs[t lwtf]
d"Nof+sgstf{af6 u/]sf]] lwtf] d"Nof+sg ;f]xL jf csf]{ ;"rLs[t d"Nof+sgstf{af6} k'gM
d"Nof+sg ug'{kg]{ cj:yfdf dfly pNn]lvt v08 -s_ / -v_ / -u_ cg';f/ g} ug'{
kg]{5 .
(2) lwtf] d"Nof+sg u/]sf] ! jif{ gk'Ub} lwtf] k'gM d"Nof+sg ug{ ;lsg] 5}g .
$(= ldn d]lzg/L, ;jf/L ;fwg tyf cf}hf/x?sf] k'gM d"Nof+sg ;DaGwdfM ldn d]lzg/L, ;jf/L ;fwg tyf
cf}hf/x? Psk6s d"Nof+sg u/]kl5 shf{ k|bfg ug]{ k|of]hgsf] nflu k'gM d"Nof+sg ug{ kfOg] 5}g t/ shf{
c;"nL k|of]hgsf] nflu a}+s lgodfg';f/ Xf;s§L u/L k'gM d"Nof+sg ug{ afwf kg]{ 5}g .
%)=lwtf] /f]Ssf÷lwtf] b[li6jGws lnvt kf; ;DaGwdfM a}+sn] shf{ ;'/If0fafkt lng] lwtf] ;DalGwt dfnkf]t
sfof{noaf6 b]xfo adf]lhd /f]Ssf / b[li6jGws lnvt kf; ug'{ kg]{5 .
-s_ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# df pNn]v ePsf % j6f p2]Zox? s[lif, 3/]n' tyf ;fgf
pBf]u, l;+rfO{, hn ljB't pTkfbg tyf g]kfn ;/sf/n] tf]s]sf] cGo s'g} Joj;fosf] lgldQ ?=!)
nfv;Ddsf] shf{ k|bfg ubf{ ;DalGwt dfnkf]t sfof{nojf6 lwtf] /f]Ssf dfq ug'{ kg]{5 . o; ;DaGwdf

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 49

 g]kfn /fi6« a}+sn] ;do ;dodf ug]{ lgb]{zg adf]lhd kl/jt{g x'g ;Sg]5 .
-v_ dflysf] a'Fbf -!_ df pNn]v ePsf % j6f p2]Zox?df ?=!) nfveGbf a9L shf{ / pQm % j6f
p2]Zox? afx]s cGo p2]Zox?df hlt;'s} /sdsf] shf{ k|bfg ubf{ klg clgjfo{ ?kdf ;DalGwt dfnkf]t
sfof{nojf6 lwtf] b[li6jGws lnvt kf; ug'{ kg]{5 .
-u_ s"n lwtf] d"Nof+sg /sd pNn]v u/L lwtf] b[li6aGws lnvt kf; u/fpg' kg]{5 . [k"j{ d"Nof+sg ul/Psf]
hUufdf lgdf{0f ePsf] ejg÷3/÷sf/vfgf÷;]8 cflb ;+/rgfsf] lwtf] d"Nof+sg ubf{ jf k'g/d"Nof+sg
ePkl5sf] yk d"Nof+lst /sdsf] dfq 5'§} lwtf] b[li6aGws lnvt kf; u/fpg ;lsg]5 . k'g/d"Nof+sg
ePkl5 d"Nof+sg sfod ePsf] ;Dk"0f{ d"Nof+sg /sdsf] lwtf] b[li6aGws lnvt kf; u/fpg] k|of]hgsf
nflu 3/hUuf lwtf] km's'jf lbbf cGo JolQm÷;+:yf÷lgsfoaf6 yk jf bf]xf]/f] /f]Ssf eP gePsf]
hfFra'em u/L k'gM lwtf] b[li6aGws lnvt kf;÷/f]Ssf x'g] Plsg u/]/dfq lwtf] km's'jf ug{' kg]{5 . ] 114
d~h"/Lgfdfsf] lwtf] /÷jf u|fxssf] cfˆg} gfdsf] lwtf] eP cg';"rL @* adf]lhdsf] cnucnu lwtf]
b[li6aGws lnvt kf; ug'{ kg]{5 .
-3_ ;+o'Qm hUufwgL btf{ k|df0fk"hf{ ePsf] cj:yfdf hUufsf] :jfldTj ePsf ;Dk"0f{ JolQmx?af6 b[li6jGws
lnvt kf; u/fpg' kg]{5 . gfjfns ;lxtsf] ;+o'Qm hUufwgL btf{ k|df0fk"hf{ lwtf] lnO{ shf{ k|bfg ug{
kfO{g] 5}g .
-ª_ lwtf] /f]Ssfsf nflu cg'/f]w u/L k7fpg] kqdf k|aGws jf k|aGwsn] tf]s]sf] sd{rf/Ln] dfq x:tfIf/
ug'{ kg]{5 .
-r_ ;Dej eP;Dd lwtf] /f]Ssf ul/Psf] kqdf dfnkf]t sfof{nosf] cflwsfl/s b:tvt k|dfl0ft u/fO{
sfof{nodf /fVg'kg{]5 / ;f] b:tvt;Fu le8fP/dfq sf/jfxL k|lqmof cl3 a9fpg' kg{]5 .
-5_ a]lhNnfsf] lwtf] b[li6aGws lnvt kf; ug]{ ;DaGwdf shf{ lbg] sfof{non] lwtf] b[li6aGws lnvt
kf;sf] nflu ;DalGwt dfnkf]t sfof{nonfO{ kq n]Vg' kg]{5 / lwtf] ePsf] lhNnfsf] sfof{nonfO{
lwtf] b[li6aGws lnvt kf; ug]{ sfo{df ;xof]u ug{ k|ltlgwL k7fpgsf nflu kq n]lv k7fpg' kg]{5 .
lwtf] ePsf] lhNnfsf] sfof{non] a}+s k|ltlglw k7fO{ lwtf] b[li6aGws lnvt kf; u/L k7fpg' kg]{5 .
-h_ shf{ ;'/If0fdf /x]sf] 3/hUufsf] k'gM gfkL eO{ ;fljssf ;|]:tf vf/]h eO{ gofF gfkL cg';f/sf] ;|]:tf
cg';f/ hUufwgL btf{ k|df0fk"hf{df j8f gDa/, l;6 gDa/, lsQf gDa/ kl/jt{g x'g;Sg] tyf If]qkmn
36a9 ;d]t x'g;Sg] ePsf]n] ;fljs /f]Ssf /x]sf] 3/hUuf gofF gfkL cg';f/ sfod ePsf] j8f gDa/,
l;6 gDa/, lsQf gDa/, If]qkmn Plsg u/L a}+ssf] tkm{af6 k'gM /f]Ssf cBfjlws u/fpg' kg]{5 . olb
If]qkmn 36]sf] cj:yfdf k'gM lwtf] ;ldIff u/L ;f]xL cg';f/ shf{ ;Ldf /sd sfod ug{' kg]{5 .
[-em_ k|fylds lwtf] :j?k lnO{Psf] kfpg'kg]{ /sd, dfn;fdfg :6s -df}Hbft_, KnfG6 tyf d]zLg/Lsf]
xfOkf]lys]zg ;DalGwt lgsfodf btf{ u/fpg' kg]{5 . o; ;DaGwdf u|fxsaf6 cg';"rL @* adf]lhdsf]
lnvt u/fO{ lng' kg]{5 . ] 115
%!= lwtf] km's'jf ;DaGwdfM u|fxsn] ;Dk"0f{ shf{ /sd, Jofh /sd / a}+ssf] ;Dk"0f{ n]gf /sd r"Qmf u/]kl5 lghsf]
dfu cg';f/ lwtf] /f]Ssf÷b[li6jGwssf] lnvt kf; kms'jf ug'{kbf{ k|jGws jf lghn] clwsf/ k|Tofof]hg
u/]sf] sd{rf/Ln] dfq cg';"rL @% adf]lhdsf] km's'jf kqdf x:tfIf/ ug{' kg{]5 / ;DalGwt dfnkf]t sfof{nodf
a}+sdf sfo{/t sd{rf/LnfO{ k|ltlglwsf] ?kdf v6fO{ /f]Ssf÷b[li6jGws lnvt kms'jf ug'{ kg]{5 . a}+ssf cGo
sfof{nox?sf] cg'/f]w adf]lhd lwtf] km's'jf ug'{kbf{ klg pk/f]Qm cg';f/s} k|lqmof ckgfpg' kg]{5 .
%@=lwtf] ;§fk§f ;DaGwdfM a}+snfO{ shf{ ;'/If0f afkt lbPsf] lwtf] km's'jf u/L gofF lwtf] lng] jf lwtf] ;§fk§f
ug]{ sfo{nfO{ lg?T;flxt ug'{ kg]{5 t/ a}+s;Fu nfdf] ;dob]lv shf{ sf/f]jf/ ub}{ cfPsf u|fxsx?sf] b]xfosf
sf/0faf6 lwtf] ;§fk§f ug{ a}+snfO{ pko'Qm nfu]df lwtf] ;§fk§f ug{ ;lsg]5 .
114 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
115 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

50 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 -s_lwtf]wgLsf] d[To' ePdf .
-v_lwtf]df /x]sf] 3/÷hUuf c+za08f ug'{ k/]df .
-u_ shf{ u|fxsn] a}+snfO{ lbPsf] lwtf] 6'qmf 6'qmf ePsf]n] lwtf] ;§fk§f u/L rSnfaGbL ldnfpg' k/]df .
-3_ shf{ lnbf d~h"/Lgfdfsf] lwtf] /flvPsf]df pQm lwtf]sf] ;§f shf{ u|fxsn] vfDg] u/L cfˆg} :jfldTjsf]
lwtf] lbg] ePdf .
-ª_ shf{ :jLs[t ubf{ sfg"gL xb Dofb gk'uL kl/of]hgf:yn lwtf] g/flvPsf] / shf{ k|jfx ePkl5 pQm
kl/of]hgf:yn lwtf] /flv cGo lwtf] km's'jf ug'{ kg]{ ePdf .
-r_ kl/of]hgf:yn :yfGt/0f ug'{kg]{ ePdf .
-5_ a}+sn] lnPsf] lwtf] clwu|x0fdf k/]df .
-h_ a}+snfO{ pko'Qm nfUg] cGo sf/0fx? ePdf .
%#= lwtf] ;§fk§f ug]{ k|lqmof / clwsf/M u|fxsn] lwtf] ;§fk§f ug'{kg]{ :ki6 sf/0f ;lxt ;§fk§f ug'{kg]{ lwtf]sf]
ljj/0f;d]t v'nfO{ lwtf] ;§fk§f ug{ lgj]bg u/]]df b]xfo adf]lhdsf] k|lqmofx? k"/f ug'{ kg]{5 .
-s_ u|fxssf] lgj]bg cg';f/ ;§fk§f ug'{kg]{ lwtf] / kl/of]hgfsf] :ynut lg/LIf0f u/L ;fljssf] lwtf]
/ xfn a}+snfO{ k|fKt gofF lwtf]sf] ef}lts tyf ;fdflhs cj:yf jf/] Plsg ug'{ kg]{5 . kl/of]hgf
tyf lwtf] lg/LIf0f ubf{ a}+snfO{ lwtf] ;§fk§f ug{ pko'Qm nfu]df a}+ssf] k|rlnt lwtf] d"Nof+sgstf{
;DaGwL sfo{ljlw adf]lhd lwtf] d"Nof+sg ug'{ kg]{5 .
-v_ a}+ssf ;"rLs[t lwtf] d"Nof+sgstf{af6 ePsf] lwtf] d"Nof+sgnfO{ cg';"rL ( adf]lhd ;dLIff u/L
a}+sn] tf]s]cg';f/ dflh{g s6fpg' kg]{5 . lwtf] ;§fk§f ubf{ gofF u|fxs;/x shf{ nufgL ubf{
ckgfOg] k|lqmofcg';f/ g} ;Dk"0f{ k|lqmof ckgfpg' kg]{5 .
-u_ shf{ :jLs[t clwsf/ ;Ldf;Dd ;DalGwt sfof{non] lwtf] ;§fk§fsf] lg0f{o ug{;Sg] / ;f]eGbf
dfly cfjZos k|lqmof k"/f u/L l;kmfl/z;fy dflyNnf] lgsfodf k7fpg' kg]{5 .
-3_ lwtf] ;6[fk6[f ubf{ km's'jf eO{ hfg] lwtf]eGbf /flvg] lwtf]sf] d"Nof+sg sd ePdf ;f]xLcg';f/ shf{sf]
;Ldf 36fpg' kg]{5 .
-ª_ efvf gf3]sf] ;fFjf /sd / kfpg'kg]{ ;Dk"0f{ Jofh /sd c;"npk/ u/]/dfq lwtf] ;§fk§f ug{' kg{]5 .
%$= lwtf] ;§fk§fdf aGb]hM b]xfosf] cj:yfdf lwtf] ;§fk§f ul/g] 5}gM
-s_ lwtf] ;§fk§f ubf{ kl/of]hgf:yn g} lwtf] g/xg] ePdf .
-v_ lwtf] ;§fk§f ubf{ gofF lwtf]n] afFsL /xg] shf{ /sd gvfDg] ePdf .
-u_ shf{ /sd b'?kof]u ePsf] cj:yfdf .
-3_ zx/ ahf/sf] 3/ hUuf, af6f];Fu hf]l8Psf] hUuf jf pTkfbsTjsf] sf/0faf6 d"Nojfg 7xl/Psf] lwtf]sf]
;§fdf sd laqmLof]Uo, ef}lts tyf sfg"gL ?kn] cg'ko'Qm lwtf] ;§fk§f ug'{kg]{ cj:yfdf .
-ª_ ;fdfGotof shf{ lnPsf] Ps jif{ k"/f gePsf] cj:yfdf .
%%=cf+lzs lwtf] k'ms'jf ;DaGwdfM
-!_ [-s_]116;fdfGotof cf+lzs lwtf] km's'jf ug{ lg?T;flxt ug'{ kg]{5 . t/ [..] 117 u|fxsn] ljleGg
3/fo;L ;d:of / shf{ ltg]{ k|of]hgsf] nflu cf+lzs lwtf] km's'jf dfu u/]df afFsL /xg]
lwtf]n] afFsL /xg] shf{ [÷;'ljwf] 118/sdnfO{ vfDg] ePdfdfq cf+lzs lwtf] km's'jf ug{
;lsg]5 [. ;fdfGotof] 119shf{ lnPsf] ! jif{ cjlw gk'uL lwtf] cf+lzs km's'jf ug{ kfOg]
5}g .

116 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd ;fljs v08 ! nfO{ pkv08 s agfOPsf]
117 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ shf{Æ x6fOPsf]
118 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
119 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ t/ Æ k|ltZyflkt eO{ Ps jfSonfO{ efu nufOPsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 51

 [-v_ lgliqmo shf{ c;"nLsf] sf/jfxL eO{ /fv]sf] u|fxssf] shf{ c;"nLsf] ;DaGwdf cf+lzs
lwtf] km's'jf ubf{ a}+ssf] k|rlnt shf{ c;"nL sfo{ljlwdf Joj:yf eP adf]lhd x'g]5 .
o:tf u|fxssf] cf+lzs lwtf] km's'jfsf] lg0f{o ug]{ clwsf/ ;DalGwt k|b]z sfof{nosf]
clwsf/ ;Ldf;Dd k|b]z sfof{noaf6 / k|b]z sfof{nosf] clwsf/ ;LdfeGbf a9Lsf] xsdf
shf{ c;"nL x]g]{ ljefu dfkm{t\ h'g txaf6 shf{ :jLs[ltsf] lg0f{o ePsf] xf] ;f]xL txaf6
ug{' kg]{5 . ] 120
-@_ [ zfvf sfof{nox?n] cf+lzs lwtf] km's'jfsf] nflu l;kmfl/z;fy ldl;n k|b]z sfof{nodf k7fpg'
kg]{5 . cfˆgf] shf{ :jLs[t ug]{ clwsf/ ;Ldf;Ddsf] cf+lzs lwtf] km's'jf k|b]z sfof{non] ug]{5 .
pQm ;LdfeGbf a9Lsf] xsdf l;kmfl/z;fy ldl;n d'Vo sfof{nodf k7fpg' kg]{5 . sf/f]af/df
lg/Gt/tf /xg] u|fxssf] cf+lzs lwtf] km's'jf ;DaGwL lg0f{o shf{ Joj;fo x]g]{ ;DalGwt ljefuaf6
x'g]5 . ] 121
-#_ cf+lzs lwtf] km's'jf ug'{kbf{ b]xfo adf]lhd ug'{ kg]{5M
-s_ cf+lzs lwtf] k'ms'jf ug{'kbf{ lwtf] ;'/If0fdWo] cf+lzs lwtf] k'ms'jf u/L afFsL /xg] lwtf]sf] d"Non] afFsL
shf{ /sd vfDg]÷gvfDg] tyf lwtf]sf] cj:yf af/] Plsg u/]/dfq cf+lzs lwtf] km's'jf ug'{ kg]{5 .
-v_ cf+lzs lwtf] km's'jf ubf{ shf{ u|fxsn] lbPsf] 3/hUufdWo] d"Nojfg 7flgPsf] -ef}lts tyf ;fdflhs
k"jf{wf/sf] ljsf; ePsf] cfjf; tyf Jofkfl/s k|of]hgdf cfpg]_ jf zx/L If]qsf] lwtf] k'ms'jf u/L
cGo sd;n jf u|fld0f If]qsf] lwtf] dfq afFsL /fVg kfOg] 5}g .
-u_ d~h"/Lgfdfsf] lwtf]dfq afFsL /fvL ;DalGwt u|fxssf] gfdsf] lwtf] cf+lzs ?kdf km's'jf ug{ kfOg]
5}g . t/ efvf gf3]sf] shf{ ltg]{ k|of]hgsf] nflu d~h"/Lgfdfjfnfn] a}+sdf cfO{ lnlvt ;xdlt
hgfPdf / afFsL lwtf]n] afFsL shf{ /sdnfO{ vfDg] ePdf ;DalGwt u|fxssf] sDtLdf @% k|ltzt lwtf]
afFsL /fvL u|fxssf] gfdsf] lwtf] cf+lzs ?kdf km's'jf ug{ ;lsg]5 .
-3_ lwtf]df lnPsf] lsQf sf6 x'g] u/L cf+lzs lwtf] km's'jf ug{ kfOg] 5}g t/ shf{ ltg]{ k|of]hgsf] nflu
dfq lsQf sf6 x'g] u/L cf+lzs lwtf] km's'jf ug{ ;lsg]5 . lsQf sf6 ubf{ b]xfo adf]lhdsf k|lqmofx?
k"/f u/L cf+lzs km's'jf ug{ ;lsg]5M
-c_ afFsL /xg] lwtf]df af6f]3f6f]sf] c;'ljwf gx'g], d"Nodf sdL gcfpg] / afFsL /xg] shf{ c;"n x'g]
a}+snfO{ Plsg ePdfdfq lsQf sf6 x'g] u/L cf+lzs km's'jf ug{ ;lsg]5 .
-cf_ lsQf sf6 x'g] lsQfsf] afFsL /xg] tyf km's'jf x'g] If]qkmn v'Ng] u/L ;DalGwt k|ljlwsaf6 tof/
ul/Psf] k|:tfljt 6«]; gS;f / Joxf]/f v'n]sf] lgj]bg tyf sDkgLsf] xsdf ;+rfns ;ldltsf]
lg0f{o ;d]t lng' kg]{5 .
-O_ a}+sdf k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL sfo{ljlw adf]lhd lsQf sf6 x'g] lsQfsf] afFsL /xg]
tyf km's'jf x'g] If]qkmnsf] d"Nof+sg ug'{ kg]{5 . afFsL /xg] hUufsf] d"Nof+sgn] afFsL /xg] shf{
/sdnfO{ vfDg] ePdfdfq cf+lzs lwtf] km's'jf ug'{ kg]{5 .
-O{_ lsQf sf6 x'g] u/L km's'jf ubf{ afFsL x'g] hUufsf] gofF sfod x'g] lsQf oyfjt /f]Ssf÷lwtf]
b[li6aGws lnvt kf; ug{ kqdf :ki6 pNn]v u/L a}+s sd{rf/L v6fO{ /f]Ssf÷lwtf] b[li6aGws

120 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

121
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æh'g tx÷sfof{noaf6 shf{ :jLs[ltsf] lg0f{o ePsf] xf] ;f]xL
tx÷sfof{non] dfq cf+lzs lwtf] km's'jf ;DaGwL lg0f{o ug{ ;Sg]5 .Æ eGg] Joj:yf k|lt:yfkg eO{
æ;fdfGotof sfof{no÷txsf] shf{÷;'ljwfsf] :jLs[t ug]{ clwsf/ ;Ldf;Ddsf] cf+lzs lwtf] km's'jf ;DaGwL lg0f{o ;DalGwt sfof{no÷txn] ug{
;Sg]5 . t/ sfof{no÷txsf] shf{÷;'ljwfsf] :jLs[t ug]{ clwsf/ ;Ldf eGbf a9L :jLs[t ePsf] shf{÷;'ljwfsf] xsdf cf+lzs lwtf] km's'jf ePkl5
sfod x'g] shf{÷;'ljwfsf] ;Ldf sfof{no÷txsf] shf{ :jLs[t ug]{ clwsf/ ;Ldf;Dd x'g] ePdf ;DalGwt sfof{no÷txn] cf+lzs lwtf] km's'jf
;DaGwL lg0f{o ug{ ;Sg] 5 . Æ eGg] Joj:yf ul/Psf]df ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd k|ltZyfkg ePsf]

52 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 lnvt kf; u/fpg' kg]{5 .
-ª_ a}+snfO{ ;'/If0f afkt lbPsf] lwtf]df d'2f dfldnf ePsf] cj:yfdf b]xfo adf]lhdsf k|lqmof k"/f u/]/dfq
cf+lzs lwtf] km's'jf ug{' kg]{5 .
-c_ a}+snfO{ ;'/If0f afkt lbPsf] lwtf]dWo] cf+lzs lwtf] km's'jf ug{ cbfntn] a}+snfO{{ cfb]z lbPdf
afFsL /xg] lwtf]n] afFsL /xg] shf{ /sd vfDg] ePdf pQm lwtf] km's'jf ug'{ kg]{5 .
-cf_ olb afFsL /xg] lwtf]n] afFsL /xg] shf{ gvfDg] ePdf ;Dej eP;Dd lgh u|fxssf] gfdsf] jf
lghsf] Psf3/ kl/jf/sf] gfdsf] yk lwtf] lng' kg]{5 .
-O_ yk lwtf] lng ;Dej gePdf ;f]xL Joxf]/f v'nfO{ If]qLo sfof{noaf6 :jLs[lt lnP/ cbfntsf]
cfb]z cg';f/sf] cf+lzs lwtf] km's'jf ug'{ kg]{5 . o; ;DaGwdf If]qLo sfof{non] sfg"gL k/fdz{
lnO{ pko'Qm lg0f{o ug''{ kg]{5 .
-r_ cf+lzs lwtf] km's'jf ubf{ afFsL /xg] lwtf]sf] b]xfo adf]lhd lwtf] d"Nof+sg u/fpg' kg]{5M
-c_ lsQf 5'l§g] u/L cnu cnu ?kdf :ki6 d"Nof+sg ePdf cf+lzs lwtf] km's'jf ubf{ k'gM d"Nof+sg
u/fpg cfjZos kg]{ 5}g .
-cf_ lwtf]df /xg] tyf km's'jf x'g] lsQfsf] d"Nof+sg g5'l§g] cj:yfdf afFsL /xg] lwtf]sf] k'gM d"Nof+sg
u/fpg' kg]{5 .
-O_ afFsL /xg] lwtf] shf{ k|bfg ubf{ ul/Psf] d"Nof+sg eGbf 36\g ;Sg] ;Defjgf ePdf afFsL /xg]
lwtf]sf] k'gM d"Nof+sg u/fpg' kg]{5 .
-O{_ lwtf] d"Nof+sg ePsf] !) aif{eGbf a9L cjlwb]lv k'gM d"Nof+sg gePsf] cj:yfdf afFsL /xg]
lwtf]sf] clgjfo{?kdf k'gM d"Nof+sg u/fpg' kg]{5 .
-5_ shf{ clws[t÷shf{ ;xfosn] lwtf]sf] cj:yf tyf kl/of]hgf af/] cg';"rL @$ adf]lhd l;kmfl/z ug'{
kg]{5 . ;dLIff clws[taf6 ;dLIff / k|aGwsaf6 :jLs[t ePkl5dfq cf+lzs lwtf] k'ms'jf ug{ ;lsg]5
.
-h_ cf+lzs lwtf] km's'jf ubf{ afFsL /xg] lwtf] oyfjt /f]Ssf /x]sf] kq ;DalGwt dfnkf]t sfof{noaf6 lnO{
ldl;ndf cBfjlws ug'{ kg]{5 . lwtf] b[li6aGws lnvt kf;af6 laleGg lsQfx? /f]Ssf ePdf pQm
lwtf] b[li6aGws lnvt kf; km's'jf u/L afFsL /xg] lwtf]sf] k'gM lwtf] b[li6aGws lnvt kf; ug'{ kg]{5 .
olb afFsL /xg] lwtf]sf] xfn d"Nof+sg /sd klxn] d"Nof+sg ePsf] /sdeGbf a9L ePdf yk /sdsf]
lwtf] b[li6aGws lnvt kf; ug'{ kg]{5 .
%^=lwtf]sf] afF8kmfF8 ug{' kg]{M lwtf]sf] d"Nof+sg kZrft\ lwtf] ;dLIff u/L sf]ifdf cfwfl/t shf{ / u}/–sf]ifdf
cfwfl/t ;'ljwf sf/f]af/sf] nflu sfof{no:t/sf] lg0f{o u/L lwtf]sf] afF8kmfF8 ug'{ kg]{5 .
%&=Pp6} lwtf]af6 PseGbf a9L u|fxsnfO{ shf{÷;'ljwf lbg] ;DaGwdfM -!_ b]xfo adf]lhdsf] k|lqmof k"/f u/]df
dfq Pp6} lwtf]af6 PseGbf a9L u|fxsnfO{ shf{÷;'ljwf k|bfg ug{ ;lsg]5M
-s_ shf{÷;'ljwf sf/f]jf/ ul//x]sf] u|fxssf] clVtof/k|fKt JolQmaf6 cg';"rL @* adf]lhdsf] sj'lnotgfdf
lng' kg]{5 / lwtf] k|fKt ug]{ u|fxssf] tkm{af6 clVtof/k|fKt JolQmaf6 ;d]t cg';"rL @* adf]lhdsf]
sa"lnotgfdf lng' kg]{5 .
-v_ ;fem]bf/L kmd{sf] xsdf ;fem]bf/x?sf] lg0f{o / sDkgLsf] xsdf ;+rfns ;ldltsf] lg0f{o ;d]t lng'
kg]{5 .
-u_ lwtf]wgLaf6 cg';"rL @* adf]lhdsf] k'gM d~h"/Lgfdf / JolQmut hdfgt lng' kg]{5 .
-@_ u|fxs JolQm ePdfM Pp6} lwtf]af6 lgh u|fxs jf lghsf] Psf3/sf kl/jf/sf ;b:ox?nfO{
pkef]Uo shf{ tyf lgh u|fxs jf lghsf] Psf3/sf kl/jf/sf ;b:ox? ;+nUg ePsf] cGo kmd{ jf lghx?sf]
g} k"0f{ :jfldTj -ztk|ltzt z]o/_ ePsf] ;fem]bf/L kmd{ jf k|fO{e]6 lnld6]8 sDkgLnfO{ shf{÷;'ljwf k|bfg
ug{ ;lsg]5 .
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 53
 -#_ u|fxs kmd{ ePdfM Pp6} lwtf]af6 pQm kmd{sf] k|f]k|fO{6/ jf lghsf Psf3/sf kl/jf/sf ;b:ox?nfO{
pkef]Uo shf{ jf lgh k|f]k|fO{6/ jf lghsf Psf3/ kl/jf/sf ;b:ox? ;+nUg ePsf] cGo kmd{ jf lghx?sf] g}
k"0f{ :jfldTj -ztk|ltzt z]o/_ ePsf] ;fem]bf/L kmd{ jf k|fO{e]6 lnld6]8 sDkgLnfO{ shf{÷;'ljwf k|bfg ug{
;lsg]5 .
-$_ u|fxs ;fem]bf/L kmd{ ePdfM Pp6} lwtf]af6 pQm ;fem]bf/L kmd{sf ;Dk"0f{ ;fem]bf/x?dfq ;fem]bf/
ePsf] csf]{ ;fem]bf/L kmd{ jf lghx?sf] g} k"0f{ :jfldTj -ztk|ltzt z]o/_ ePsf]] k|fO{e]6 lnld6]8 sDkgLnfO{
shf{÷;'ljwf k|bfg ug{ ;lsg]5 . ;f]xL lwtf]af6 ;fem]bf/x?nfO{ pkef]Uo shf{ k|bfg ug{ ;lsg] 5}g .
-%_ u|fxs k|fOe]6 lnld6]8 sDkgL ePdfM b]xfo adf]lhdsf] cj:yfdf Pp6} lwtf]af6 shf{÷;'ljwf
k|bfg ug{ ;lsg]5M
-s_ Ps JolQmdfq z]o/wgL÷;+rfns ePsf] sDkgLsf] ;+rfnssf] jf lghsf] Psf3/sf kl/jf/sf ;b:osf]
gfdsf] lwtf] ePdf ;f] sDkgLsf ;+rfns jf lghsf] Psf3/ kl/jf/sf ;b:onfO{ pkef]Uo shf{ tyf
lgh ;+rfns jf lghsf] Psf3/ kl/jf/sf ;b:ox?dfq ;+nUg ePsf] kmd{÷;fem]bf/L kmd{ jf lghx?sf]
g} k"0f{ :jfldTj -ztk|ltzt z]o/_ ePsf] k|fO{e]6 lnld6]8 sDkgLnfO{ Pp6} lwtf]af6 shf{÷;'ljwf k|bfg
ug{ ;lsg]5 .
-v_ sDkgLsf] gfdsf] lwtf] ePdf sDkgLsf] k|aGw–kq / lgodfjnLdf sDkgLsf] gfddf /x]sf] 3/hUuf tyf
cGo ;DklQx? cGo JolQm÷kmd{÷;fem]bf/L kmd{÷k|fOe]6 lnld6]8 sDkgLnfO{ shf{÷;'ljwf ;'/If0f afkt
k|bfg ug{ ;lsg]]5 eGg] cfzosf] Joxf]/f pNn]v ePdfdfq ;f]xL sDkgLsf] k"0f{ :jfldTj -ztk|ltzt
z]o/_ ePsf] csf]{ k|fO{e]6 lnld6]8 sDkgL jf ;xfos sDkgLnfO{ dfq Pp6} lwtf]af6 shf{÷;'ljwf
k|bfg ug{ ;lsg]5 .
-u_ b'O{ jf b'O{eGbf a9L z]o/wgL÷;+rfnsx? ePsf] k|fO{e]6 lnld6]8 sDkgL ePdf sDkgLsf ;Dk"0f{
z]o/wgL÷;+rfnsx?dfq ;fem]bf/ ePsf] csf]{ ;fem]bf/L kmd{ jf lgh ;+rfnsx?÷z]o/wgLx?sf]dfq
k"0f{ :jfldTj -ztk|ltzt z]o/_ ePsf] k|fO{e]6 lnld6]8 sDkgL jf ;xfos sDkgLnfO{ dfq Pp6}
lwtf]af6 shf{÷;'ljwf k|bfg ug{ ;lsg]5 .
-^_ Pp6f u|fxsn] pkof]u u/]sf] Pp6} lwtf]af6 csf]{ u|fxsnfO{ shf{÷;'ljwf pknAw u/fpg]
;DaGwdf dfly pk–bkmf -@_, -#_[, -$_ / -%_]122 df ePsf] Joj:yf afx]s yk Joj:yf cfjZos
ePdf ;DalGwt sfof{no / If]qLo sfof{nosf] k'i6\ofO{ ;lxtsf] l;kmfl/;sf] cfwf/df [k|d'v
sfo{sf/L clws[tn] cfjZostf cg';f/ ] 123 :jLs[lt k|bfg ug{ ;Sg] 5g\ .
%*= lwtf] lng] hUufsf] Go"gtd If]qkmnsf]] ;DaGwdfM -!_ dxfgu/kflnsf÷pk–dxfgu/kflnsf÷gu/kflnsfsf]
d'Vo zx/L If]q tyf Jofkfl/s s]Gb|df cjl:yt Go"gtd ! cfgf jf ;f] a/fa/sf] If]qkmndf ag]sf] 3/38]/L
lwtf] lng ;lsg]5 . pQm 3/ lgdf{0f ug{ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 O{hfht ;d]t lnPsf] x'g' kg]{5
t/ 3/ lgdf{0f gePsf] pk/f]Qm If]qkmn cg';f/sf] 38]/L÷hUufdfq lwtf] lng ldNg] 5}g .
-@_ dxfgu/kflnsf÷pk–dxfgu/kflnsf÷gu/kflnsfsf] d'Vo zx/L If]q, Jofkfl/s s]Gb|, cGo
cfjf;Lo / Jofkf/Ls If]qdf cjl:yt Go"gtd @ cfgf @ k};f jf ;f] a/fa/sf] eGbf sd If]qkmnsf] 38]/Ldfq
lwtf]df lnO{ shf{ nufgL ug{ ;lsg] 5}g . @ cfgf @ k};f jf ;f] a/fa/sf] If]qkmnsf] 38]/Ldfq lwtf]df lnbf
pQm 38]/Lsf] clgjfo{ ?kdf :yfoL ;Ldfgf 5'§fO{Psf] x'g' kg]{5 .
%(=lgdf{0f x'g] kl/of]hgf g} lwtf] /xg] ;DaGwdfM [Jofj;flos ;Defjgf /x]sf kl/of]hgfsf]
:yfkgf÷lj:tf/÷;+rfng ug{ kl/of]hgfsf] ;DklQ -xfn /x]sf tyf yk x'g] ;d]t_ g} d'Vo lwtf]sf] ?kdf /xg]
122
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æ / -$_ Æ eGg] Joj:yf k|lt:yfkg ePsf]
123
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æcfjZostf cg';f/ d'Vo sfof{non]Æ eGg] Joj:yf k|lt:yfkg ePsf]

54 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 u/L b]xfosf zt{x?sf] clwgdf /xL shf{ ;'ljwf k|bfg ug{ ;lsg]5M] 124
(1) [kl/of]hgf:yn u|fxssf] cfˆg} jf ;DalGwt kmd{ [÷;+:yf] 125jf sDkgLsf] k|f]k|fO6/÷;fem]bf/÷
;+rfns jf lghsf] Psf3/ kl/jf/sf ;b:osf] gfddf /x]sf] [jf lnhdf lnPsf] x'g ;Sg]5 ] 126. ] 127
(2) [kl/of]hgf, kl/of]hgfdf lgdf{0f÷ljsf; tyf l;h{gf ePsf÷x'g] ;DklQx? / kl/of]hgf:yn clgjfo{
?kdf lwtf]df /xg' kg]{5 . t/ lnhdf lnPsf] hUufdf kl/of]hgf :yfkgf÷lj:tf/÷;+rfng x'g] ePdf
kl/of]hgfn] rr]{sf] lnhdf lnPsf] hUuf lwtf] /xg] 5}g .
(3) kl/of]hgfsf] s'n c'gdflgt nfut tyf hf]lvdsf cfwf/df clwsQd *) k|ltzt;Dd -shf{
:jMk'FhL cg'kft *)M@)_ l:y/ k'FhL shf{ pknAw u/fpg ;lsg]5 . s'n cg'dflgt nfut /sddf
s'g} kl/dfh{g ug'{ k/]df d'Vo sfof{nosf] k"j{ :jLs[lt lng' kg]{5 .
(4) kl/of]hgfsf] nflu u|fxsn] lgdf{0f u/]sf] ef}lts ;+/rgf / vl/b ePsf]÷x'g] hUuf÷ejgsf] lwtf]
d"Nof+sgstf{n] a}+s lgodfg';f/ u/]sf] d"Nof+sg /sdnfO{ s"n nfutdf u0fgf ug{ ;lsg] 5 .
c+z÷ck'tfnL÷bfgbftJo÷k}t[s ;|f]taf6 k|fKt hUuf÷;DklQ / lnhdf lnPsf] hUuf÷ejg÷;DklQ
kl/of]hgfsf] s"n nfutdf u0fgf ug{ kfOg] 5}g .
(5) kl/of]hgfsf] nflu u|fxsn] vl/b u/]sf] ldn d]zLg/L nufotsf cGo ;DklQx?sf] Jofkfl/s
ljn÷k|1fkg kq÷VAT lan cflbsf] cfwf/df ljQLo k/fdz{bftfaf6 nfut k|df0fLs/0f u/fO{ s"n
nfutdf u0fgf ug{ ;lsg]5 .
(6) ====
(7) kl/of]hgfsf] sfo{ k|ult / k|s[ltsf cfwf/df shf{ :jLs[t ubf{ tf]lsPsf] shf{÷:jMk'FhL cg'kft
-Debt/Equity Ratio_ sfod x'g] u/L Pro-rata Basis df ls:tf /sd k|bfg ug'{ kg]{5 .
(8) u|fxsn] a}+snfO{ lbPsf] lwtf] b[li6aGws ubf{ s'n :jLs[t shf{ ;'ljwf /sd a/fa/ ug{' kg]{5 .
kl/of]hgfdf /x]sf] rn ;DklQx? ;'/lIft sf/f]jf/ P]g, @)^# adf]lhd tf]lsPsf] lgsfodf
clgjfo{ ?kdf btf{ u/fpg' kg]{5 .
(9) kl/of]hgf / kl/of]hgf:yndf lgdf{0f x'g]÷h8fg x'g] jf ljsf; ul/g] ;DklQx? a}+s a]lglkml;o/L x'g]
u/L aLdf lgoldt x'g' kg]{5 . aLdf z'Ns, aLdf gjLs/0f z'Ns, lwtf] d"Nof+sg z'Ns tyf cGo z'Ns
/sd u|fxs :jo+n] g} Joxf]g{' kg{]5 . ] 128

124 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æJoj;flos tj/df kl/of]hgf ;+rfng ug{sf nflu cfjZos k|fljlws 1fg tyf
Joj:yfksLo Ifdtf ePsf] shf{ cfj]bsn] z'?df g} shf{sf] nflu cfjZos kg]{ ;Dk"0f{ lwtf] lbg g;Sg] cj:yfdf b]xfo adf]lhdsf] Joj:yf ug{ d~h"/
u/]df u|fxsn] cfˆgf] tkm{af6 kl/of]hgfdf nufpg] /sd / a}+saf6 nufgL x'g] shf{af6 lgdf{0f÷vl/b÷ljsf; ul/g] 3/, ejg, uf]bfd / ;DklQx? g}
lgodfg';f/ lwtf] /xg] u/L kl/of]hgf shf{ pknAw u/fpg ;lsg]5MÆ k|ltZyflkt ePsf]
125 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
126 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ x'g' kg]{5 Æ k|ltZyflkt ePsf]
127
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æ kl/of]hgf:yn u|fxssf] cfkm\g} gfddf /x]sf] x'g' kg]{5 .Æ eGg] Joj:yf
k|lt:yfkg ePsf]
128 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ
(2) kl/of]hgf:yn clgjfo{ ?kdf lwtf]df /xg' kg]{5 .
(3) a}+snfO{ :jLsfo{ x'g] kl/of]hgfsf] Total Cost Estimate sf] a9Ldf ^) k|ltzt;Dd a}+saf6 l:y/ k'FhL shf{ nufgL ug{ ;lsg]5 . Go"gtd $)
k|ltzt /sd u|fxsn] :jnfutsf] ?kdf Joxf]g'{ kg]{5 .
(4) kl/of]hgfsf] s'n nfut u0fgf ug]{ qmddf kl/of]hgf:ynn] rlr{g] hUuf vl/b u/]sf] ePdfdfq /fhLgfdf lnvtdf pNn]v ul/Psf] d"No -y}nL
d"No_ jf a}+ssf] k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL sfo{ljlw cg';f/ ul/Psf] pQm hUufsf] d"Nof+sg /sddWo] h'g sd x'G5 ;f]xL /sdnfO{
kl/of]hgfdf ePsf] s'n vr{df u0fgf ug{ ;lsg]5 t/ k}t[s hUufnfO{ kl/of]hgfdf ePsf] s'n vr{df u0fgf ul/g] 5}g .
(5) s'g} u|fxsn] :jLs[t kl/of]hgf cGtu{t cfkm'n] nufpg' kg{] /sd vr{ u/L lgdf{0f ePsf] ef}lts ;+/rgf tyf vl/b u/]sf] ldn d]l;g/Lsf] ljj/0f
a}+sdf k]z u/]sf] cj:yfdf pQm ljj/0f a}+snfO{ dfGo ePdf a}+ssf] ;"rLs[t lwtf] d"Nof+sgstf{af6 k|rlnt lhNnf b/ /]6sf cfwf/df
d"Nof+sg u/fO{ a}+s sd{rf/Ln] lwtf] ;ldIff ug'{ kg]{5 .
(6) a}+saf6 nufgL x'g] s'n l:y/ k'FhL shf{sf] slDtdf $) k|ltztn] x'g] shf{ /sdnfO{ vfDg] crn ;DklQ z'?df g} lwtf] lnP/ dfq s'n shf{
;Ldf :jLs[t ul/g]5 . t/ kl/of]hgf:yndf lgdf{0f ul/g] ef}lts ;+/rgf tyf ldn d]l;g/L h8fg ug]{ sfo{ ;DkGg ePkZrft\ a}+ssf] k|rlnt

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 55

 (10) a}+s tyf u|fxssf] tkm{af6 nufgL eO{ v/Lb x'g] jf lgdf{0f x'g] jf ljsf; x'g] ;DklQx? :jtM a}+sdf
lwtf] /xg] x'Fbf To; k|sf/sf ;DklQx? a}+ssf] ;Dk"0f{ shf{ r'Qmf geP;Dd c? s;}nfO{ lwtf] aGws
/fVg kfOg] 5}g .
(11) o;/L shf{ :jLs[t ug{'kg]{ cj:yfdf d'Vo sfof{nosf] k"j{ :jLs[lt lng' kg]{5 . [
(12) ;fdfGotof k|fs[lts k|sf]k, cfuhgL, x'nb+uf, cfGbf]ng, cft+ssf/L ultljwL, dxfdf/L h:tf sfa'
aflx/sf] kl/l:yltsf sf/0faf6 kl/of]hgf tf]lsPsf] ;doleq ;DkGGf ug{ g;s]sf] cj:yfdf afx]s
;dodf kl/of]hgf ;DkGGf geO{ kl/of]hgfsf] nfut a9\g uPdf a9]sf] nfut /sd u|fxs :jo+n] Joxf]g'{
kg]{5
(13) kl/of]hgfsf] n]vf k|0ffnLnfO{ Jojl:yt ug{ tyf sfo{ k|ultsf] cg'udg ug{ ;xh x'g] u/L u|fxsn]
sDKo'6/o'Qm n]vf k|0ffnLsf] Joj:yf ug{' kg]{5 .
(14) :jLs[t x'g] Go"gtd shf{ ;Ldf a}+s Joj:yfkgn] ;do ;dodf tf]s] adf]lhd x'g]5 .
(15) kl/of]hgfsf] k|ultsf] lgoldt ?kdf sDtLdf #÷# dlxgfsf] cGt/df / k|To]s ls:tf k|bfg ug'{ cl3
cg'udg ug{' kg]{5 .
(16) :jLs[t :yL/ k'FhL shf{ k|jfx ug]{ ljlw b]xfo adf]lhd x'g]5M
-s_ u|fxsnfO{ nfut k|dfl0ft k|ltj]bg -Cost Certification Report_ sf cfwf/df :yL/ shf{ /sd
k|jfx ug'{ kg]{5 . nfut k|dfl0ft k|ltj]bgdf x'g' kg]{ Go"gtd ljj/0fx? cg';"rL ## adf]lhd x'g]5 .
-v_ nfut k|dfl0ft k|ltj]bg k|fKt gx'Fbf;Ddsf nflu /sd cfjZos ePsf] cj:yfdf u|fxsnfO{
Bridge Gap shf{ k|jfx ug'{ kg]{5 . o:tf] shf{ k|jfx ubf{ u|fxsaf6 cfjZos /sdsf] k|of]hg
v'nfO{ lgj]bg tyf cGo cfjZos sfuhftx? ;d]t lnO{ cf}lrTotfsf cfwf/df ug'{ kg]{5 . o;/L
k|jfx ePsf] shf{nfO{ k|dfl0ft nfut k|ltj]bgsf cfwf/df :yL/ shf{df kl/0ft ug'{ kg]{5 .
-u_ Bridge Gap shf{ s'n :yL/ shf{ ;Ldfsf] clwstd #) k|ltzt;Dd x'g ;Sg]5 .
-3_ s'g} klg ;dodf k|jfx ePsf] Bridge Gap shf{ / :yL/ shf{sf] of]ukmn :yL/ shf{sf] s'n ;Ldf
eGbf a9L x'g] 5}g .
(17) nfut k|df0fLs/0f ;DaGwL Joj:yf b]xfo adf]lhd x'g]5M
-s_ nfut k|df0fLs/0f g]kfn rf6{8{ PsfpG6]G6\; ;+:yfsf] ;b:otfk|fKt rf6{8{ PsfpG6]G6 -
ljQLo k/fdz{bftf_ af6 u/fpg' kg]{5 .
-v_ ljQLo k/fdz{bftfsf] lgo'lQm u|fxs / a}+ssf] ;xdltdf x'g]5 . ljQLo k/fdz{sf] vr{ u|fxs
:jo+n] Joxf]g'{ kg]{5 .
-u_ ljQLo k/fdz{bftf, a}+s tyf u|fxs aLr lqkIfLo ;Demf}tf ug'{ kg]{5 .
-3_ ljQLo k/fdz{sf] sfd, st{Jo tyf clwsf/ lqkIfLo ;Demf}tfdf pNn]v eP adf]lhd x'g5 ] .
-ª_ ljQLo k/fdz{bftfn] k|dfl0ft nfut k|ltj]bg ;lxtsf] k|ult k|ltj]bg slDtdf k|To]s tLg

lwtf] d"Nof+sgstf{ ;DaGwL sfo{ljlw cg';f/ d"Nof+sg ubf{ a}+saf6 k|bfg ug]{ s'n shf{ /sd vfDg]÷gvfDg] ljZn]if0f u/]/ dfq s'n shf{ /sd
:jLs[t ug'{ kg]{5 .
(7) kl/of]hgfsf] sfo{ k|ultsf cfwf/df :jLs[t shf{ /sdsf] ls:tf /sd Debt:Equity Ratio (60:40) x'g] u/L ls:tf ls:tfdf k|bfg ug'{ kg]{5 .
u|fxsn] k]z u/]sf] sfo{ k|ult ljj/0f -/lgª ljn_ jf lgdf{0f ul/Psf] ef}lts ;+/rgfsf] a}+ssf ;"rLs[t lwtf] d"Nof+sgstf{af6 d"Nof+sg u/fO{
a}+s sd{rf/Ln] ;d]t ;ldIff u/L sfod ePsf] d"Nof+sg /sdnfO{ $) k|ltzt dfgL ;f]sf] cfwf/df ^) k|ltzt;Dd ls:tf /sd e'QmfgL ul/g]5
.
(8) kl/of]hgfsf] lgdf{0f sfo{ ;DkGg kZrft\ a}+ssf ;"rLs[t lwtf] d"Nof+sgstf{af6 a}+ssf] k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL sfo{ljlw cg';f/
lwtf] d"Nof+sg u/fO{ a}+s sd{rf/Ln] ;ldIff ug'{ kg]{5 . sfod ePsf] s'n d"Nof+sg /sdsf] ;DalGwt dfnkf]t sfof{noaf6 lwtf] b[li6aGws
lnvt kf;÷/f]Ssf ug'{ kg]{5 .
(9) kl/of]hgf:yn / pQm kl/of]hgf:yndf lgdf{0f x'g] jf h8fg x'g] jf ljsf; ul/g] ;DklQx? a}+s a]lglkml;o/L x'g] u/L aLdf lgoldt x'g' kg]{5 .
aLdf z'Ns tyf gjLs/0f z'Ns u|fxs :jo+n] g} Joxf]g{' kg{]5 .
(10) a}+s tyf u|fxssf] tkm{af6 nufgL eO{ v/Lb x'g] jf lgdf{0f x'g] jf ljsf; x'g] ;DklQx? :jtM a}+sdf lwtf] /xg] x'Fbf To; k|sf/sf ;DklQx?
a}+ssf] ;Dk"0f{ shf{ r'Qmf geP;Dd c? s;}nfO{ lwtf] aGws /fVg kfOg] 5}g .
(11) o;/L shf{ :jLs[t ug{'kg]{ cj:yfdf d'Vo sfof{nosf] k"j{ :jLs[lt lng' kg]{5 .Æ k|ltZyflkt ePsf]

56 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 dlxgfdf lng' kg]{5 .
] 129
^)=lwtf] ;DaGwL ljljw Joj:yfM lwtf] ;DjGwL cGo Joj:Yff b]xfo adf]lhd x'g]5M
(1) j}wflgstf k|fKt pTkfbs ;+3÷;d"x, pkef]Qmf ;d"x, ;fgf ls;fg ;xsf/L ;+:yf, [laifout jf
ax'pb]ZoLo ;xsf/L ;+:yf,] u}/ ;/sf/L ;+:yf [, g]kfn /fi6| a}+saf6 l;ldt a}+lsé sf/f]af/ ug{ Ohfht k|fKt
;+:yfnfO ]130 nfO{ yf]s shf{ nufgL ubf{ ;DalGwt ;+:yfsf] gfdsf] jf ;DalGwt ;+:yfsf
;+rfns jf lghsf Psf3/ kl/jf/sf ;b:o dfqsf] lwtf] lnO{ shf{ nufgL ug{ ;lsg]5 . [t/
g]kfn ;/sf/sf] k"0f{ jf cf+lzs :jfldTj /x]sf ;+:yf tyf o; a}+ssf] ;d]t :jfldTj /x]sf ;+:yfsf] xsdf
;+:yfsf] ;+:yfut hdfgLdf tyf g]kfn /fi6« a}+sjf6 Ohfht kq k|fKt æ vÆ, æuÆ / æ3Æ ju{s]f Ohfht kq
k|fKt ;+:yfsf] xsdf ;+:yfut hdfgL / ;+rfnsx?sf] AolQmut hdfgL lnO{ yf]s shf{ k|bfg ug{ ;lsg]5 .
]131
(2) Pp6} lsQfdWo] s]xL efudfq jf Pp6} lsQfdf ag]sf] 3/dWo] pQm 3/sf] s]xL efudfq lwtf] sfod
x'g] u/L lwtf] lng ldNg] 5}g .
(3) shf{ r'Qmf eO{ lwtf] km's'jf gePsf] cj:yfdf ;f]xL lwtf] d"Nof+sgaf6
gu/kflnsf÷pkdxfgu/kflnsf÷dxfgu/kflnsf If]qsf] lwtf] ePsf] xsdf @ jif{ / ufpkflnsf
If]qsf] lwtf] ePsf] xsdf # jif{leq k'gM shf{ jf yk shf{ :jLs[t ug{ ;lsg]5 t/ lwtf] d"Nof+sg
ePsf] dfly pNn]lvt cjlw gf3]df lwtf] k'gM d"Nof+sg ug'{ kg]{5 .
(4) k/n df]n b]vfpg] eG;f/sf] /l;b k]; gu/]df o:tf d]lzg/L, pks/0fsf] d"Nof+sg ;DalGwt eG;f/
sfof{no, d"No clej[l4 s/ sfof{no jf /fhZj ljefu÷sfof{nosf] k/n df]n v'n]sf] l;kmfl/z
kqnfO{ cfwf/ lnO{ ldn d]lzg/Lsf] d"Nof+sg ug{' kg{]5 .
(5) lrDgL e§f tyf df5fkf]v/Lsf] nflu k|of]u x'g] hUuf -kl/of]hgf:yn_ g} lwtf] d"Nof+sg u/L shf{
lbg'kg]{ cj:yfdf pQm hUuf cGo k|of]hgsf nflu pko'Qm gx'g] ePsf]n] shf{ c;"npk/df s'g}
jfwf Jojwfg gcfpg] u/L d"Nof+sg ug{' kg{]5 .
(6) [shf{ u|fxs ;+:yf -kmd{÷sDkgL÷;+:yf_ ePdf ;f] ;+:yfsf] cfˆg} jf ;f]sf] nufgLstf{ jf lghsf
Psf3/sf kl/jf/sf ;b:ox?sf] gfdsf] lwtf] lng' kg]{5 .] 132
(7) [u|fxsn] a}+ssf] s'g} sfof{nonfO{ shf{÷;'ljwf sf/f]af/ ug{ ;'/If0fsf] nflu lbPsf] lwtf]dWo]
kmflhn /x]sf] lwtf] a}+ssf] csf]{ sfof{non] shf{ sfo{ljlwsf] bkmf -#&_ sf] pkbkmf -ª_ / bkmf -
%&_ sf] clwgdf /xL shf{÷;'ljwf sf/f]af/sf] nflu pkof]u ug{ ;Sg]5 . csf]{ sfof{noaf6 lwtf]
lng] sfof{non] lwtf] k7fpg] sfof{nonfO{ lwtf] km''s'jfsf] nflu cg'/f]w gubf{;Dd lwtf] k7fpg]
sfof{non] lwtf] km's'jf ug{ gldNg] Joxf]/fsf] hfgsf/L ;DalGwt u|fxsnfO{ ;d]t u/fpg' kg]{5 .] 133

129 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

130
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æ tyf n3'ljQ ;+:yf Æ eGg] Joj:yf k|lt:yfkg ePsf]
131
;+rfns ;ldltsf] ldlt @)&%.!@.@) sf] a}7s g+= &$( sf] lg0f{o adf]lhd
132
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æ;fem]bf/L kmd{÷k|fOe]6 lnld6]8 sDkgL÷klAns lnld6]8 sDkgLnfO{ shf{
lbbf pQm ;fem]bf/L kmd{÷sDkgLdf a9L z]o/ :jfldTj x'g] z]o/wgL÷;+rfns tyf lghsf Psf3/sf kl/jf/sf ;b:ox?sf] gfdsf] lwtf] lng' kg]{5 . !% k|ltzteGbf
sd z]o/ :jfldTj ePsf z]o/wgL÷;+rfns tyf lghsf] Psf3/sf kl/jf/sf ;b:ox?sf] gfdsf] lwtf]dfq lnP/ pQm kmd{÷sDkgLnfO{ shf{ nufgL ul/g] 5}g . Æ
eGg] Joj:yf k|lt:yfkg eO{ æ [;fem]bf/L kmd{÷k|fOe]6 lnld6]8 sDkgL÷klAns lnld6]8 sDkgLnfO{ shf{÷;'ljwf k|jfx ubf{ pQm ;fem]bf/L kmd{÷sDkgLdf
a9L z]o/ :jfldTj x'g] ;fem]bf/÷z]o/wgL÷;+rfns tyf lghsf Psf3/sf kl/jf/sf ;b:ox?sf] gfdsf] lwtf] lng' kg]{5 . !% k|ltzteGbf sd z]o/
:jfldTj ePsf ;fem]bf/÷z]o/wgL÷;+rfns tyf lghsf] Psf3/sf kl/jf/sf ;b:ox?sf] gfdsf] lwtf]dfq lnP/ pQm kmd{÷sDkgLnfO{ shf{÷;'ljwf
sf/f]af/ ug{' kbf{ k|d'v sfo{sf/L clws[tsf] k"j{ :jLs[lt lng' kg]{5Æ ePsf]df ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd k|ltZyflkt ePsf]
133
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 57

 kl/R5]b–%
cg'udg / ;'k/Lj]If0f

^!= cg'udg tyf lg/LIf0fM a}+saf6 shf{ k|jfx eO{ ;s]kl5 k|jflxt shf{ /sd ;b'kof]u eP÷gePsf], shf{
lgoldt cj:yfdf /x]÷g/x]sf], u|fxsn] a}+s;Fu sa'n u/]sf zt{x?sf] kfngf eP÷gePsf] / u|fxssf]
Joj;fosf] cj:yf cflb af/] b]xfo adf]lhd lg/Gt/ cg'udg Pjd\ lg/LIf0f ul//xg' kg]{5M
-s_ shf{ ;b'kof]u eP÷gePsf] cg'udg ug{ cg';"rL–!*=@ adf]lhdsf] shf{ ;b'kof]lutfsf] lg/LIf0f
k|ltj]bg k]z ug'{ kg]{5 .
-v_ a}+sn] ;do ;dodf tf]s] adf]lhd shf{ u|fxsx?sf] k|To]s qodf;leqdf sDtLdf Psk6s ;DalGwt
sfof{noaf6 kl/of]hgf:yn, :6s, kfpg'kg]{ / ltg{k' g]{ lx;fjsf] ljj/0fsf] lg/LIf0f u/L cg';"rL !*=@
adf]lhdsf] k|ltj]bg k]z ug'{ kg]{5 . ;fy} ;DalGwt u|fxsaf6 :6s, kfpg'kg]{ / ltg{'kg]{ lx;fjsf] ljj/0f
k|dfl0ft u/fO{ lng' kg]{5 .
-u_ k|aGwsn] cfk"m;dIf k]z ePsf] k|ltj]bgdf ;fljs zt{ ;Demf}tfx?df pNn]lvt ljj/0fpk/ s'g}
lsl;dsf] s}lkmot b]lvPdf tTsfn ;f] kl/of]hgfsf] :ynut lg/LIf0f u/L jf:tljstf Plsg ug'{ kg]{5 .
-3_ k|To]s qodf;df u|fxsn] pknAw u/fPsf] :6s÷df}Hbftsf] ljj/0f, df}Hbft ;fdfg laqmLof]Uo
eP÷gePsf] cj:yf tyf sf/f]af/÷sf] l:ylt cflbsf] af/]df Plsg u/L k|ltj]bgdf v'nfpg' kg]{5 .
-ª_ lg/LIf0fsf] qmddf cGo ;do ;fk]If ljQLo ljj/0f Pjd\ pTkfbg Ifdtf pkef]uaf/] hfgsf/L dfu ug'{
kg]{5 .
-r_ ;Dej eP;Dd b'O{ k6ssf] cg'udg Pp6} sd{rf/Laf6 gu/fO{ cnucnu sd{rf/Laf6 u/fpg' kg]{5 .
^@=u|fxssf] shf{ vftfsf] cg'udgM -!_ u|fxssf] shf{ vftf cg'udgdf b]xfosf s'/fx?df Wofg lbg' kg]{5M
-s_ a}+sn] tf]s] adf]lhd dfl;s ?kdf Jofh a'emfP÷ga'emfPsf] .
-v_ cfjlws shf{sf] xsdf tf]lsPsf] ;dodf ;fFjfsf] ls:tf a'emfP÷ga'emfPsf] .
-u_ rfn' k'FhL shf{sf] xsdf ;Gtf]ifhgs eP÷gePsf] .
-3_ aLdf z'Ns÷lgodfg';f/ ltg'{kg]{ cGo z'Nsx? lgoldt a'emfP÷ga'emfPsf] .
-@_ pkbkmf -!_ df pNn]lvt ljifox?df s}lkmot b]lvPdf u|fxs;Fu l56f] ;Dks{ u/L shf{ lgoldt
u/fpg lghnfO{ ;hu u/fpg' kg]{5 .
-#_ shf{ lgoldt u/fpg ;hu u/fpFbf klg u|fxsn] j]jf:tf u/]df shf{ c;"nLsf k|lqmofx? cjnDag ug'{
kg]{5 .
^#= :6s÷df}Hbft, kfpg'kg]{ lx;fj / ltg{'kg]{ lx;fjsf] ljj/0f lng] ;DaGwdfM -!_ rfn' k'FhL k|s[ltsf] shf{sf]
xsdf sDtLdf k|To]s tLg÷tLg dlxgfdf ;DalGwt u|fxsaf6 / sf] ljj/0f lng' kg]{5 .
-@_ Stocks, Receivables / Payables sf] ljj/0f k|fKt ePkZrft\ kl/of]hgfsf] lg/LIf0f u/L Stocks
tyf Ageing ;lxtsf] Receivables / Payables sf] lg/LIf0f k|ltj]bg tof/ ug'{ kg]{5 .
-#_ Stocks, Receivables / Payables lg/LIf0f ubf{ s'n shf{ ;Ldfsf] nflu cfjZos kg]{ Stocks,
Receivables / Payables sf] v'b d"No sd x'g uPdf To:tf] u|fxssf] shf{ ;Ldf k'g/fjnf]sg u/L gofF shf{
;Ldf sfod ug'{ kg]{5 . k|jfx e};s]sf] /sd a9L b]lvPdf ;Ldfleq Nofpg' kg]{5 . [o;/L Drawing Power
u0fgf ubf{ () lbg eGbf a9L calwb]lv p7\g afFsL kfpg'kg]{ /sd tyf ahf/df lalqm x'g g;sL afFsL /x]sf
tyf ck|rng -Obsolete_ :6s ;dfj]; ug{ ;lsg] 5}g . () lbgeGbf a9L calwsf] kfpg'kg]{ /sd ;dfj];
ug'{ k/]df hfoh sf/0f vf]nL u|fxsjf6 lgj]bg lng' kg]{5 / ;f] sf/0f lrQ a'em]df dfq ;f] /sdnfO{ ;dfj];

58 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 ug'{ kg]{5 . ] 134
-$_ cfjZostf cg';f/ pkbkmf -@_ adf]lhdsf] k|ltj]bg kf/Lkf;' ;Demf}tf ePsf a}+sx?aLr
Pscfk;df cfbfgk|bfg ug]{ Joj:yf ldnfpg' kg]{5 .
[-%_ ?=@% s/f]8eGbf dflysf] rfn' k'FhL k|s[ltsf shf{x? :jLs[t÷gjLs/0f ubf{ ;DalGwt shf{
u|fxsn] k]z u/]sf] rfn' ;DklQ tyf bfloTjsf ljj/0fx? n]vf k/LIfsaf6 k|dfl0ft u/fpg' kg]{5 . ] 135
^$=kl/of]hgf÷sfof{nosf] ;'k/Lj]If0f ug'{kg -!_ kl/of]hgfsf] ultljlw pk/ lgb]{zg÷lgoGq0f ug{ lgoldt
?kdf lglZrt ;do cGt/fndf ;'k/Lj]If0f ug'{ kg]{5 .
-@_ ;DalGwt sfof{no÷If]qLo sfof{no÷d'Vo sfof{noaf6 :jLs[t shf{af6 ;+rflnt kl/of]hgfx?
;'k/Lj]If0f u/L shf{ nufgLsf] u'0f:t/Lotf tyf ;b'kof]lutf lg/LIf0f ug'{ kg]{5 .
-#_ d'Vo sfof{noaf6 jflif{s ?kdf sDtLdf Ps k6s k|To]s If]qLo sfof{no cGtu{tsf 7'nf
sDtLdf @) j6f kl/of]hgfx?sf] ;'k/Lj]If0f u/L ;f]sf] k|ltj]bg tof/ u/L shf{ ljefudf cBfjlws u/L /fVg'
kg]{5 .
-$_ If]qLo sfof{non] cfkm'n] :jLs[t u/]sf tyf d'Vo sfof{noaf6 :jLs[t ;Dk"0f{ shf{x?sf] jflif{s
?kdf sDtLdf Ps k6s shf{ nufgLsf] u'0f:t/Lotf tyf ;b'kof]lutf lg/LIf0f u/L ;f]sf] k|ltj]bg If]qLo
sfof{nodf cBfjlws u/L d'Vo sfof{nodf ;d]t k7fpg' kg]{5 . d'Vo÷If]qLo sfof{non] ;'k/Lj]If0fsf]
qmddf ;DalGwt sfof{noaf6 :jLs[t s]xL ldl;nx?÷kl/of]hgfx?sf] ;d]t ;'k/Lj]If0f ug{' kg]{5 .
-%_ pk–bkmf -@_ -#_ / -$_ adf]lhd ePsf] lg/LIf0f ;'k/Lj]If0fsf] k|ltj]bg ;DalGwt u|fxssf]
shf{ ldl;ndf;d]t clgjfo{ ?kdf ;+nUg ug'{ kg]{5 .
-^_ If]qLo sfof{non] cfkm" dftxtsf k|To]s sfof{nox?sf] cw{jflif{s ?kdf sDtLdf Psk6s
;'k/Lj]If0f e|d0f u/L cg';"rL !*=% adf]lhdsf] k|ltj]bg tof/ u/L cBfjlws ug{' kg]{5 . pQm k|ltj]bgx?sf]
;+lIfKt ljj/0f shf{ ljefudf k7fpg' kg]{5 .
-&_ pk–bkmf -^_ adf]lhd k|fKt ljj/0fx?sf] cWoog tyf ljZn]if0f u/L shf{sf] u'0f:t/ sdhf]/
/x]sf sfof{nox?sf] shf{ ljefun] cw{–jflif{s ?kdf ;'k/Lj]If0f ug{' kg]{5 . shf{sf] u'0f:t/ / sfof{nosf]
shf{ sf/f]af/sf] cfwf/df ;d]t jflif{s ?kdf shf{ ljefun] sfof{nox?sf] cfsl:ds lg/LIf0f tyf cg'udg
ug{' kg]{5 . ;'k/Lj]Ifs÷lg/LIfsn] lg/LIf0f tyf cg'udg kZrft\ cg';"rL !*=% adf]lhdsf] k|ltj]bg tof/ u/L
shf{ ljefudf k]z ug{' kg]{5 .
^%= ;'k/Lj]If0fsf] qmddf x]g{'kg]{ ljifox?M -!_ ;'k/Lj]If0fsf] qmddf d'Votof b]xfosf ljifox? x]g'{ kg{]5M
-s_ shf{sf] nflu k]z ePsf] Joj;flos sfo{ of]hgfdf pNn]]v ePadf]lhdsf] ef}lts ljsf; eP÷gePsf]
Plsg ug{] .
-v_ kl/of]hgfsf] Joj:yfkgdf u|fxsnfO{ dfu{bz{g ug{] .
-u_ u|fxssf] Joj;flos zLknfO{ clej[l4 u/fpg] .
-3_ ljutsf] sfo{ ;Dkfbgsf] d"Nof+sg / eljiosf] ultljlwsf] of]hgf th'{df ug{ u|fxsnfO{ d2t k'¥ofpg] .
-ª_ u|fxs / a}+s b'j}nfO{ kg{;Sg] ;Defljt ;d:ofx?sf] ;dod} lg/fs/0fsf pkfox? vf]Hg] .
-r_ cg'udg tyf lg/LIf0fsf qmddf b]lvPsf kIfx?sf] ;dLIff u/L ;f] cg';f/ ;dod} cfjZos pkfox?
cjnDjg ug]{ .
-@_ k|To]s :ynut e|d0fsf] cg';"rL–!*=$ adf]lhdsf] shf{ ;'kl/j]If0f e|d0f k|ltj]bg tof/ u/L
shf{ ldl;ndf cBfjlws ug{' kg]{5 .
^^= shf{sf] juL{s/0fM -!_ a}+sn] k|jfx u/]sf] shf{÷;fk6sf] ;fFjf jf Jofh e'QmfgL x'g' kg]{ efvf gf3]sf]
cjlwsf cfwf/df ;Dk"0f{ shf{ ;fk6nfO{ b]xfo adf]lhd juL{s/0f u/L g]kfn /fi6« a}+sn] lgb]{zg u/] adf]lhd
134 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
135 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 59

 shf{ gf]S;fgL Joj:yf ug{' kg]{5M
[-s_ c;n shf{
-v_ ;'Id lgu/fgL shf{
-u_ sd;n shf{
-3_ z+sf:kb shf{
-ª_ v/fj shf{] 136
[-@_ shf{ auL{s/0f ;DaGwL cGo Joj:yf cg';"rL #@ df pNn]v eP adf]lhd x'g]5 . ] 137

^&= lgoldt cg'udg÷;'k/Lj]If0f e|d0fsf] ;do tflnsfM -!_ kl/of]hgfsf] ;dotflnsf cg'?k cfjlws
?kdf lgoldt cg'udg÷;'k/Lj]If0f e|d0f ug'{ kg]{5 .

136 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd

æ-s_ c;n (Pass): efvf ggf3]sf / # dlxgf;Dd efvf gf3]sf shf{ .
-v_ ;'Id lgu/fgL M c;n ju{df k/]sf t/ pk–bkmf -@_ df pNn]lvt cj:yf /x]sf shf{ .
-u_ sd;n (Sub-standard)M # dlxgfb]lv a9Ldf ^ dlxgf;Dd efvf gf3]sf shf{ .
-3_ z+sf:kb (Doubtful)M ^ dlxgfb]lv a9Ldf ! jif{;Dd efvf gf3]sf shf{ .
-ª_ v/fj M ! jif{eGbf a9L cjlwn] efvf gf3]sf shf{ .Æ k|ltZyflkt ePsf] .
137 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd
æ-@_ ;'Id lgu/fgL cGtu{t juL{s/0f ug'{kg]{ cj:yfx?M g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd ;lqmo shf{sf] ?kdf /x]sf shf{df b]xfosf s'g} s}lkmot jf
cj:yf /x]df To:tf shf{nfO{ ;'Id lgu/fgL cGtu{t juL{s/0f u/L ;f]sf] cg'udgsf] Joj:yf ldnfpg' kg]{5M
-s_ ;fFjf jf Jofh tf]lsPsf] cjlwleq e'Qmfg geO{ ! dlxgfeGbf a9L cjlwn] aSof}tf /x]sf shf{ .
-v_ gjLs/0f geO{ c:yfoL ?kdf e'QmfgL cjlw a9fO{ sfod /x]sf cNksfnLg jf rfn' k'FhL shf{ .
-u_ cGo a}+s jf ljQLo ;+:yfdf /x]sf] shf{ lgliqmo shf{df juL{s/0f ePsf] u|fxsnfO{ k|jflxt shf{ .
-3_ ;fFjf / Jofh lgoldt ?kdf e'QmfgL ePtfklg nuftf/ b'O{ jif{b]lv v'b gf]S;fgLdf /x]sf jf g]6jy{ C0ffTds /x]sf kmd{, sDkgL jf
;+:yfnfO{ k|jflxt cNksfnLg jf rfn' k'FhL shf{ . t/ lgdf{0ffwLg cj:yfdf /x]sf kl/of]hgfnfO{ k|bfg ul/Psf] shf{sf] xsdf kl/of]hgfn]
Joj;flos pTkfbg z''? u/]kl5 dfq of] Joj:yf nfu" x'g]5 .
-#_ c;n shf{ ;DaGwL yk Joj:yfM b]xfosf shf{x?nfO{ c;n shf{df ;dfj]z ug{ ;lsg]5 .
-s_ c;n shf{df ;dfj]z ug{ ;lsg] shf{x?M
-c_ ;'grfFbLsf] lwtf]df uPsf shf{x?
-cf_ d'2tL /l;bsf] lwtf]df uPsf shf{x?
-O_ g]kfn ;/sf/sf] ;'/If0fkq tyf g]kfn /fi6« a}+s C0fkqsf] lwtf]df uPsf shf{x? .
-v_ cltl/Qm lwtf] ;'/If0f afkt d'2tL /l;b jf g]kfn ;/sf/sf] ;'/If0fkq jf g]kfn /fi6« a}+s C0fkq lwtf] /fvL shf{ k|jfx u/]df To:tf shf{
tyf ;fk6x?nfO{ eg] pk–bkmf -!_ df pNn]v ePadf]lhd g} juL{s/0f ug'{ kg]{5 .
-u_ a9Ldf Ps jif{;Dd e'QmfgL cjlw ePsf] rfn" k'FhL shf{nfO{ dfq gjLs/0f ubf{ c;n shf{df ;dfj]z ug{ ;lsg]5 . rfn' k'FhL k|s[ltsf
shf{x?df k|fKt x'g'kg]{ Jofh lgoldt gePsf] cj:yfdf To:tf] shf{nfO{ Jofh jSof}tf cjlwsf] cfwf/df juL{s/0f ug'{ kg]{5 .
-$_ v/fa shf{ ;DaGwL yk Joj:yfM b]xfosf s'g} s}lkmot b]lvPsf efvf gf3]sf] jf ggf3]sf] shf{nfO{ ;d]t pk–bkmf -!_ adf]lhd v/fj shf{sf]
auL{s/0fdf /flvg]5M
-!_ ;'/If0fsf] ahf/ d"Non] shf{sf] ;'/If0f x'g g;Sg] ePdf .
-@_ shf{ u|fxs 6f6 kN6]df jf 6f6 kN6]sf] 3f]if0ff ePdf .
-#_ shf{ u|fxs x/fPdf jf ufoj ePdf .
-$_ vl/b jf l8:sfpG6 u/]sf] ljN; / k|lttkq tyf hdfgt h:tf u}/ sf]ifdf cfwfl/t ;'ljwfx? kmf];{ nf]g (Force Loan) sf] ?kdf
sf]ifdf cfwfl/t shf{df kl/0ft ePsf] cj:yfdf To;/L shf{df kl/0ft ePsf] ldltn] () lbg;Dd c;"nL gePdf .
-%_ shf{ b'?kof]u ePdf .
-^_ shf{ c;"n x'g g;sL lnnfdL k|lqmof z'? ePsf] ^ dlxgf gf3]df jf c;"nL k|lqmof cGtu{t cbfntdf d'2f rln/x]sf] cj:yfdf .
-&_ shf{ ;"rgf s]Gb|sf] sfnf];"rLdf /x]sf shf{ u|fxsnfO{ shf{ k|bfg u/]sf] cj:yfdf .
-*_ kl/of]hgf÷Joj;fo ;+rfng x'g] cj:yf g/x]df, kl/of]hgf jf Joj;fo ;~rfngdf gePdf .
-(_ Credit Card shf{ efvf gf3]sf] ldltn] () lbgleq ckn]vg gePdf .
-!)_ k|lttkq, hdfgt / cGo ;Defljt bfloTjx? tyf l6=cf/=shf{ (Trust Receipt Loan) sf] lgoldt k|lqmof cGtu{t sf]ifdf
cfwfl/t shf{df kl/0ft ubf{ () lbgleq pQm shf{ c;"n x'g gcfPdf .
-!!_ C0fLn] Pp6} ldlt jf cjlwsf] cnu cnu ljQLo ljj/0f k]z u/]sf] cj:yfdf .
-%_ cfjlws shf{ (Term Loan) sf] xsdf pQm shf{sf] ls:tf efvf gf3]df ;Dk"0f{ aSof}tf shf{ /sdnfO{ g} ls:tf /sdsf] efvf gf3]sf]
cjlwsf] cfwf/df auL{s/0f ug'{ kg]{5 .
-^_ shf{ auL{s/0f ;DaGwdf g]kfn /fi6« a}+ssf] lgb]{zg ;do ;fk]If kl/jt{g ePdf ;f]xL cg'?k ug'{ kg]{5 . Æ k|ltZyflkt ePsf]]

60 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 -@_ q}dfl;s e|d0fM pk–bkmf -!_ adf]lhd b]xfosf cj:yfdf ;DalGwt sfof{non] sDtLdf
q}dfl;s?kdf shf{sf] juL{s/0f cg';f/ u|fxs÷kl/of]hgfsf] e|d0f ug{' kg]{5 .
-s_ c;n shf{sf]] nfluM shf{ r'Qmf ug{ ;d:of b]vf kg{ yfn]sf] jf lwtf] sdhf]/ ePsf] jf k|fylds lwtf]
x|f;f]Gd'v ePsf] .
-v_ ;'Id lgu/fgL / sd;n shf{sf] nfluM c;n shf{df ?kfGtf/0f ug{ pkrf/fTds e|d0f .
-u_ z+sf:kb shf{sf] nfluM lwtf] ;'/If0fsf] cj:yf Plsg ug{ tyf jSof}tf /sd e'QmfgL u/fpg u|fxs;Fu
;Dks{ sfod u/L /fVg .
-3_ ljutsf] sfo{ ;Dkfbg ;Gtf]ifk|b gePsf u|fxsx? .
-#_ ;'Id lgu/fgL / lgliqmo ju{df /x]sf shf{ u|fxsx?sf] ljj/0f tof/ u/L shf{sf] u'0f:t/ sfod
ug{ lgoldt ?kdf sDtLdf q}dfl;s ?kdf u|fxs÷kl/of]hgfsf] :ynut e|d0f ug{' kg]{5 . e|d0f ug]{ qmddf
shf{sf] u'0f:t/df Xf; cfpg'sf sf/0fx? / ;f]sf] lg/fs/0fsf ;Defljt pkfox?sf] af/]df ljZn]if0f u/L
;f]xL cg';f/ cfjZos sf/jfxL ug'{ kg]{5 . o:tf] shf{ u|fxsx?sf] ljj/0f tf]lsPsf] ;dodf cg';"rL
@( adf]lhdsf] tflnsfcg';f/ dflyNnf] sfof{nodf k7fpg' kg]{5 .
-$_ q}dfl;s, cw{jflif{s tyf jflif{s e|d0fM b]xfo adf]lhd q}dfl;s, cw{jflif{s tyf jflif{s
e|d0f u/L ldl;n cBfjlws ug{' kg]{5M
-s_ ?=%) nfveGbf dflysf] shf{ pkof]u ug{] shf{ u|fxs÷kl/of]hgfsf] sDtLdf q}dfl;s ?kdf e|d0f
u/L cg';"rL !*=@ adf]lhdsf] k|ltj]bg tof/ u/L ldl;ndf cBfjlws ug{' kg]{5 .
-v_ ?=@) nfveGbf a9L ?=%) nfv;Ddsf] shf{ pkof]u ug{] shf{ u|fxs÷kl/of]hgfsf] sDtLdf cw{jflif{s
?kdf e|d0f u/L cg';"rL !*=# adf]lhdsf] k|ltj]bg tof/ u/L ldl;ndf cBfjlws ug{' kg]{5 .
-u_ ?=@) nfv;Ddsf] shf{ pkof]u ug{] shf{ u|fxs÷kl/of]hgfsf] sDtLdf jflif{s ?kdf e|d0f u/L
cg';"rL !*=# adf]lhdsf] k|ltj]bg tof/ u/L ldl;ndf cBfjlws ug{' kg]{5 .
-3_ u|fxsn] a}+snfO{ ltg'{kg]{ shf{ /sd afFsL /xbf;Dd ;'kl/j]If0f e|d0fx? ul//xg' kg]{5 .
-%_ cfsl:ds e|d0fM If]qLo sfof{non] cfˆgf] sfo{ If]qleq /x]sf ;Dk"0f{ sfof{nox?sf] shf{
nufgL, nufgLdf /xL/x]sf] /sd -n=/=/=_, shf{sf] cj:yf, kfpg'kg]{ afFsL Jofh, shf{ gf]S;fgL
Joj:yf, c;"nL b/ cflbsf cfwf/df sfof{nox?sf] ljz]if lgu/fgL ug{' kg]{5 . s'g} sfof{nosf]
ck|Toflzt ?kdf 5f]6f] ;dodf jflif{s nIo cg';f/ jf nIoeGbf a9L /sdsf] nufgLdf /xL/x]sf]
/sddf a[l4 x'g uPdf ;DalGwt If]qLo sfof{non] clgjfo{?kdf cfsl:ds e|d0f u/L cfjZostf
cg';f/ tf]lsPsf] ;Ldfleq shf{sf] nufgLdf /xL/x]sf] /sd -n=/=/=_ sfod ug{ nufpg' kg]{5 .
-^_ pkrf/fTds e|d0fM lgoldt e|d0fsf] qmddf yk e|d0fsf] cfjZostf b]lvPdf h'g;'s}
;dodf klg u|fxs÷kl/of]hgfsf] e|d0f ug{ ;lsg]5 . ljz]ifu/L pkrf/fTds ;'kl/j]If0f e|d0fdf u|fxssf]
Joj;fosf] cj:yf / ljQLo ;d:ofpk/ lj:t[t ljZn]if0f / 5nkmn x'g' kg]{5 . o:tf] cj:yf /
;d:ofx?sf] lj:t[t ljj/0f cg';"rL–!*=$ adf]lhdsf] shf{ ;'kl/j]If0f e|d0f k|ltj]bgdf yk
hfgsf/Lx? ;+nUg u/L shf{ clws[tn] k|ltj]bg k|:t't ug'{ kg]{5 . kl/of]hgfsf] lbuf] ;+rfngdf c;/
k'¥ofpg] vfnsf] ;d:ofx?sf] lg/fs/0f ug]{tkm{ pkrf/fTds e|d0f s]lGb|t x'g' kg]{5 . pkrf/fTds e|d0fsf]
lgisif{ shf{ Joj:yfkg / c;"nLdf ;xof]u k'¥ofpg] ePsf]n] o; qmddf b]xfosf kIfx?df Wofg lbg' kg]{5
.
-s_ u|fxsn]] ug'{kg]{ sf/jfxLx? .
-v_ shf{ lx;fa juL{s/0fdf kl/jt{g .
-u_shf{sf zt{÷kl/zt{df x]/km]/ .
-3_ shf{ ;Demf}tf vf/]hL (Force Closure) .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 61

 kl/R5]b ^
shf{ c;"nL

^*= shf{ c;"nL k|lqmof ;DaGwL Joj:yfM [a}+sn] k|bfg u/]sf] shf{ /sd c;"nL a}+ssf] k|rlnt s[lif ljsf;
a}+s ln=shf{ c;"nL sfo{ljlw adf]lhd x'g]5 . ] 138
kl/R5]b &
ljljw
^(= Jofhb/ / z'Ns ;DaGwdfM -!_ a}+sn] shf{df lng] Jofhb/ lgwf{/0f ubf{ d'b|f tyf k'FhL ahf/sf] cj:yf,
g]kfn /fi6« a}+sn] ;do;dodf ug]{ lgb]{zg÷dfu{bz{g, a}+ssf] sf]if÷>f]tsf] nfut, shf{sf] hf]lvd, a}+ssf]
;+rfng vr{, nlIft k|ltkmn cflb kIfx?sf] cfwf/ lng]5 .
-@_ shf{sf] Jofhb/ / z'Ns ;DaGwdf b]xfo adf]lhd x'g]5 .
-s_ shf{sf] Jofhb/ ;DaGwdfM
-c_ a}+ssf] s]Gb|Lo:t/sf] ;DklQ bfloTj Joj:yfkg pk;ldlt (Assets Liabilities Committee) sf]
l;kmfl/zdf a}+ssf] ;+rfns ;ldltn] ;do ;dodf tf]s] cg';f/ shf{df Jofhb/ nfu" x'g]5 .
138 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd
æ -!_ shf{ c;"nL shf{ rqmsf] clGtd txsf] ?kdf /x]sf]n] a}+sn] k|bfg u/]sf] shf{ /sd c;"nLsf nflu b]xfo adf]lhdsf] k|lqmof cjnDag ug{' kg]{5M
-s_ shf{ c;"nL tfs]tfM a}+saf6 k|jfx ePsf] shf{{nfO{ ljQLo cg'zf;gsf] bfo/fleq /fvL lgwf{l/t
;dodf g} shf{sf] ;fFjf tyf Jofh c;"n u/L shf{nfO{ lgliqmo x'g glbgsf] nflu shf{sf] cj:yf x]/L tf]lsPsf] 9fFrfdf :d/0fkq tyf tfs]tfkqx?
Kf7fpg' kg]{5 .
-v_ dfl;s Jofh a'emfpg] af/] :d/0fkqM shf{ u|fxsnfO{ dfl;s Jofh a'emfpg] wf/df /fVgsf nflu lghn] dfl;s Jofh a'emfpg 5f]8]sf] ;do, ltg'{kg]{ ;fFjf,
afFsL Jofh / ;f] a'emfpg'kg]{ ldlt tyf cfufdL ls:tfsf] af/]df cjut x'g] u/L dfl;s Jofh a'emfpg] af/]sf] tf]lsPsf] 9fFrfdf :d/0f kq k7fpg' kg]{5 .
-u_ shf{{ e'QmfgL ;DaGwL k|yd :d/0fkqM u|fxsx?af6 tf]lsPsf] ;dodf /sd c;"n x'g g;Sg] b]lvPdf e'QmfgL ug]{ ;do cfpg' Ps dlxgf cufj} shf{ u|fxsnfO{{
lghn] ltg'{kg]{ /sd, ldlt / cfufdL ls:tfsf] af/]df hfgsf/L x'g] u/L tf]lsPsf] 9fFrfdf shf{ e'QmfgL ;DaGwL k|yd :d/0fkq k7fpg' kg]{5.
-3_ shf{ e'QmfgL ;DaGwL k|yd tfs]tf kqM :d/0f kq k7fpFbf klg shf{ u|fxsn] zt{ adf]lhdsf] ;fFjf tyf Jofh ga'emfO{ ;fFjfsf] ls:tfsf] efvf gf3]df ;Dej
ePdf t'?Gt} 6]lnkmf]g u/]/ jf shf{ u|fxsnfO{{ e]6]/ tfs]tf ug{' kg]{5 . olb o;f] ubf{ ;d]t shf{ u|fxs ;Dks{df gcfPdf shf{ u|fxsnfO{{ !% lbgsf] Dofb
lbO{ shf{ u|fxsn] ltg'{kg]{ ;fFjf, Jofh tyf Dofb gf3]sf] ldlt cflbsf af/]df hfgsf/L x'g] u/L tf]lsPsf] 9fFrfdf k|yd tfs]tf kq k7fpg' kg]{5 . pQm
kqsf] af]wfy{ lwtf] d~h"/Lgfdf tyf JolQmut hdfgt lbg] JolQmnfO{ ;d]t lbg' kg]{5 .
-ª_ shf{ e'QmfgL ;DaGwL bf]>f] tfs]tf kqM k|yd tfs]tf kq k7fpFbf klg shf{ u|fxsn]] afFsL aSof}tf /sd a'emfpg cfn6fn u/]df @! lbgsf] Dofb lbO{
tf]lsPsf] kqklqsfdf gfd k|sfzg ug'{k"j{sf] tfs]tf kq shf{ u|fxsnfO{ k7fpg' kg]{5 . pQm kqsf] af]wfy{ lwtf] d~h"/Lgfdf tyf JolQmut hdfgt lbg]
JolQm;d]tnfO{ lbg' kg]{5 .
-r_ shf{ a'emfpg Nofpg] af/]sf] @! lbg] ;"rgf k|sfzgsf] lg0f{o tyf gfd k|sfzgM c;"nL sf/jfxL ug'{kg]{ u|fxsx?nfO{ :d/0f kq tyf tfs]tf kq k7fO;s]kl5
tf]lsPsf] Dofbleq klg /sd a'emfpg gNofPdf jf shf{ b'?kof]u u/]df jf ^ dlxgf;Dd klg Jofh ga'emfPdf ;DalGwt sfof{nosf] shf{ c;"nL
;ldltn] shf{ a'emfpg Nofpg] af/]sf] @! lbg] ;"rgf k|sfzgsf] lg0f{o u/L tf]lsPsf] 9fFrfdf ;"rgf k|sfzgsf] nflu k7fpg' kg]{5 . o;/L s'g} klg
shf{ u|fxs tyf lwtf] d~h"/Lgfdf lbg] jf hdfgt a:g]sf] ;fj{hlgs?kdf kqklqsfdf gfd k|sfzg ubf{ shf{sf] ;Dk"0f{ n]gf /sd -;fFjf, Jofh tyf
cGo vr{_ sf] ljj/0f ;lxt kqklqsfdf tf]lsPsf] 9fFrfdf tf]lsPcg';f/sf sfof{noaf6 shf{ u|fxssf gfddf shf{ a'emfpg Nofpg] af/]sf] @! lbg]
;"rgf k|sfzg ug'{ kg]{5 .
-5_ lwtf] lnnfdLM kqklqsfdf shf{ a'emfpg Nofpg] af/]sf] @! lbg] ;"rgf k|sfzg eO{ ;f] ;"rgf k|fKt ubf{ ;d]t shf{ u|fxsn] shf{ ga'emfPdf jf shf{
a'emfpg]tkm{ s'g} rf;f] gb]vfPdf cfjZos k|lqmof k"/f u/L lwtf] lnnfd laqmL ug]{ k|lqmof k"/f ug'{ kg]{5 . lwtf] lnnfdL ug]{ ;Gbe{df cfjZostfcg';f/
lwtf] /f]Ssfsf] hfgsf/L dfu ug]{, hfFra'em u/fpg], lwtf]sf] ;'/Iff ug]{, lwtf] lhDdf lbg], lnnfd, laqmL jf cGo Joj:yfsf] nflu lwtf] d"Nof+sg u/fpg],
;DalGwt sfof{nosf] shf{ c;"nL ;ldltn] lwtf] lnnfd laqmL k|of]hgsf] nflu l;kmfl/z ;fy ldl;n k7fpg], lwtf] lnnfd laqmLsf] lg0f{o ug]{, lwtf]
lnnfd laqmLsf] ;"rgf kqklqsfdf k|sfzg ug]{ h:tf k|lqmofx? k"/f ug{' kg]{5 .
-h_ sfnf];"rLdf /fVg]M shf{ k|jfxdf z'4tf / pko'Qmtf sfod ug]{ k|of]hgsf] nflu efvf g3fO{ shf{ gltg]{ jf shf{ b'?kof]u ug]{ shf{ u|fxsx?sf] sfnf] ;"rL tof/
u/L ;f] ;DaGwL ;"rgfnfO{ Jojl:yt ug{' kg]{5 . a}+sn] efvf g3fO{ shf{ gltg]{ jf shf{ b'?kof]u ug]{ shf{ u|fxsx?sf] ljj/0f cfGtl/s sfnf];"rL tyf
afXo sfnf];"rLdf /fVg' kg]{5 .
-em_ shf{ ckn]vgMshf{ c;"nLsf] ;Defjgf g/x]sf], shf{ v/fa ju{df k/L !)) k|ltzt shf{ gf]S;fgL Joj:yf eO{ ;s]sf], shf{ c;"nLsf] nflu lwtf]
;'/If0fsf] lnnfd laqmLsf] k|lqmof ;DkGg u/L ;s]sf] shf{x?nfO{ z+sf:kb Joj:yfaf6 vr{ n]Vg] u/L shf{ vftfaf6 /sd s§f ug]{ jf x6fpg] sfo{nfO{
shf{ ckn]vg elgG5 . sfof{non] a}+ssf] k|rlnt ckn]vg ;DaGwL lgodfjnL / sfo{ljlwsf] cwLgdf /xL shf{ ckn]vg ug{' kg]{5 .
-`_ C0f c;"nL Gofoflws/0fdf ph'/L lgj]bg btf{ ug]{M shf{ c;"nLsf] nflu kof{Kt k|of; ePsf], shf{sf] efvf gf3]sf] tf]lsPsf] cjlw ggf3]sf], tf]lsPsf]
;fFjf /sdeGbf a9L /sdsf] shf{ c;"npk/ ug]{ ;Gbe{df lnnfd;Ddsf] sf/jfxL ubf{ klg s'g} sf/0fjz lnnfd ljqmL gePsf] cj:yfdf tf]lsPsf] k|lqmof
k"/f u/L C0f c;"nL Gofoflws/0fdf ph'/L lgj]bg btf{ ug{' kg]{5 .
-@_ shf{ c;"nL ;DaGwdf k|of]]u ul/g] ;Dk"0f{ kmf/fdx? / c;"nLsf] nflu ul/g] ;Dk"0f{ sf/jfxLx? a}+ssf] k|rlnt shf{ c;"nL ljlgodfjnL tyf shf{
c;"nL sfo{ljlw cg';f/ x'g]5 .Æ k|ltZyflkt ePsf] .

62 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 -cf_ ;du| a}+lsË If]qsf] ultljlw, a}+ssf] cfˆgf] Joj;flos cfjZostf, s'n shf{sf] cj:yf,
shf{–lgIf]ksf] cg'kft cflb ljifox?sf] cfwf/df shf{sf] Jofhb/ x]/km]/ x'g ;Sg]5 . Jofhb/df
ePsf] kl/jt{gaf/] /fli6«o:t/sf] b}lgs klqsfdf ;"rgf k|sflzt u/L ;a}nfO{ hfgsf/L u/fpg'
kg]{5 .
-O_ [-!_ shf{ u|fxs;Fusf] ;xdltdf ! jif{ eGbf a9L e'QmfgL cjlw ePsf] cfjlws k|s[ltsf]
shf{sf] nflu shf{sf] cjlwe/ jf tf]lsPsf] cjlwe/ Aofhb/ kl/jt{g gx'g] u/L l:y/
Aofhb/ -Fixed Interest Rate_ tf]Sg ;lsg] 5 .
-@_ shf{ u|fxsnfO{ k|bfg ug]{ shf{ ;'ljwf k|:tfj kqdf Jofhb/ pNn]v ubf{ cfwf/ b/df yk
lk|ldod b/ pNn]v ug'{ kg]{5 .
-#_ q}dfl;s ?kdf cfwf/b/ -Base Rate_ df kl/jt{g x'Fbf Aofhb/df kl/jt{g x'g]÷gx'g]
;DaGwdf shf{ u|fxsnfO{ Credit Facility Offer Letter df :ki6 ?kdf pNn]v u/L
clgjfo{ hfgsf/L lbg] Joj:yf ug'{ kg]{5 .
-$_ shf{ u|fxsn] lng] yk shf{ jf a}+sn] k|jfx ug]{ gofF shf{sf] xsdf gofF k|sflzt
lk|ldod b/ nfu" x'g]5 . ] 139
-O{_ shf{sf] x/]s dlxgfdf b}lgs afFsL df}Hbft /sddf lbguGtL lx;fjn] Jofh u0fgf ug{' kg]{5 . u0fgf
ePsf] Jofh u|fxsn] a}+sn] [tf]s] adf]lhd a'emfpg' kg]{5 . tf]lsPsf] ;do leq Jofh
ga'emfPdf afFsL ;fFjf /sd /÷jf ;fFjfsf] efvf gf3]df efvf gf3]sf] ls:tf /sddf tf]lsPsf]
Jofhb/n] hl/jfgf Aofh nfUg]5 . ] 140
-p_ a}+sn] dfl;s ?kdf Jofh / lgoldt ?kdf ;fFjf lt/]sf u|fxsnfO{ lghsf] sf/f]af/ / shf{sf]
hf]lvdsf] cfwf/df tf]lsP adf]lhd Jofh 5'6 lbg ;Sg]5 .
-pm_ shf{df nfUg] Jofhb/, Jofhb/ u0fgf ug]{ ljlw, Jofh a'emfpg' kg]{ ;do / o; ;DaGwL cGo
ljifox?df a}+sn] ;do;dodf tf]s] adf]lhd x'g]5 .
[-P_ kl/of]hgf shf{sf] u|]; cjlwdf kfs]sf] JofhnfO{ k'FhLs/0f ug]{ ;DaGwdf g]kfn /fi6« a}+ssf]
lgb]{zg adf]lhd x'g]5 . ] 141
-v_ shf{sf] z'Ns ;DaGwdfM
-c_ a}+sn] u|fxs;Fu lng] z'Nsx?df ;]jf z'Ns, ;fv ;"rgf afktsf] z'Ns, lwtf] d"Nof+sg z'Ns,
lnvt sfuhft u/fpg] afktsf] z'Ns, k|ltj¢tf z'Ns, k'g/tflnsLs/0f jf k'g/;+/rgf z'Ns,
clu|d e'QmfgL z'Ns, shf{ :yfgfGt/0f z'Ns, shf{ gjLs/0f z'Ns, shf{ k'g/tflnsLs/0f jf
k'g/;+/rgf z'Ns cflb x'g]5g\ .
-cf_ a}+ssf] s]Gb|Lo:t/sf] ;DklQ bfloTj Joj:yfkg pk;ldlt (Assets Liabilities Committee) sf]
l;kmfl/zdf a}+ssf] ;+rfns ;ldltn] ;do ;dodf tf]s] cg';f/ shf{df z'Nsx? nfu" x'g]5 .
-O_ shf{ k|jfx ug{'cl3 u|fxsaf6 a}+sn] ;do;dodf sfod u/]sf] ;]jf z'Ns lng' kg]{5 .
-O{_ shf{ pkof]u eO{/x]sf] ;dodf / shf{ gjLs/0f÷shf{ k'g/tflnsLs/0f÷shf{ k'g/;+/rgf ubf{
a}+sn] ;do;dodf tf]s] cg';f/sf] ljleGg z'Ns /sdx? u|fxsaf6 c;"npk/ ug{' kg]{5 .
-p_ cfjlws shf{sf] xsdf shf{ u|fxsn] :jLs[t shf{ lgwf{l/t ;do cufj} r'Qmf u/]df a}+sn]
shf{sf] clu|d e'QmfgL /sddf tf]lsP adf]lhdsf] clu|d e'QmfgL z'Ns nufpg ;Sg]5 .

139 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ shf{ u|fxs / a}+saLrsf] ;xdlt cg';f/ shf{ td;'sdf x:tfIf/ x'g] ldltdf k|rlnt
Jofhb/ adf]lhd k|To]s shf{sf] nflu Jofh nufO{g]5 . ;do;dodf x'g;Sg] kl/jlt{t Jofhb/ /sd shf{ u|fxsn] :jLsf/ ug{' kg]{5 .Æ k|ltZyflkt ePsf]]
140 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ k|To]s dlxgfsf] d;fGtleq a'emfpg kg]{5 . d;fGtleq Jofh ga'emfPdf tf]lsPsf] dWod
Jofhb/n] / ;fFjfsf] efvf gf3]sf] /sddf tf]lsPsf] pRr Jofhb/n] xhf{gf nfUg]5 .Æ k|ltZyflkt ePsf]]
141 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 63

 -pm_ Revolving k|s[ltsf shf{sf] xsdf pkef]u gu/]sf] /sddf a}+sn] ;do;dodf tf]s] adf]lhdsf]
k|lta4tf z'Ns nfUg]5 .
-P_ shf{ /sd afFsL g} /x]sf] cj:yfdf shf{ u|fxsn] ;f]xL p2]Zodf yk shf{ dfu u/]df yk shf{
/sddfdfq ;]jf z'Ns nfUg]5 . yk shf{ :jLs[t ubf{sf] ;dodf g} k"/fgf] :jLs[t shf{ ;Ldf
/sdsf] tf]lsP adf]lhdsf] gjLs/0f z'Ns nfUg]5 .
-P]_ ;du| a}+lsË If]qsf] ultljlwsf] cfwf/df a}+sn] ;do;dodf z'Ns /sd x]/km]/ ug{ ;Sg]5 .
;do;dodf x'g;Sg] kl/jlt{t z'Ns /sd / b/ shf{ u|fxsn] :jLsf/ ug{' kg]{5 .
-cf]_ a}+sn] tf]s]sf] ;]jf z'Nsdf cf}lrTo x]/L k|dv
' sfo{sf/L clws[tn] cf+lzs jf k"0f{ ?kdf 5'6 lbg
;Sg]5 .
-cf}_ z'Ns /sd / b/ ;DaGwL cGo Joj:yf a}+sn] ;do;dodf tf]s] adf]lhd x'g]5 .
&)=shf{ e'QmfgL sfo{qmd÷ldlt ;DaGwdfM shf{sf] k|s[lt, u|fxs÷kl/of]hgfsf] gub k|jfx / cGo cfDbfgLsf]
;|f]tx?nfO{ ;d]t cfwf/ dfgL a}+sn] k|jfx u/]sf] shf{sf] e'QmfgL sfo{qmd÷ldlt b]xfo adf]lhd lgwf{/0f ug{'
kg]{5M
-s_ 5f]6f] cjlwsf] cfj{ts -Revolving_ k|s[ltsf] shf{sf] xsdfM shf{ :jLs[t ePsf] ldltn] !
jif{df ga9\g] u/L clGtd e'QmfgL ldlt sfod ug{' kg]{5 .
-v_ cfjlws k|s[ltsf] shf{sf] xsdfM
-c_ ;DalGwt shf{sf] k|f]8S6 k]k/df pNn]v ePsf] shf{ cjlwnfO{ cfwf/ dfgL clwstd shf{
cjlw / shf{sf] e'QmfgL sfo{qmd to ug{' kg]{5 .
[!_ cfjlws shf{sf] cjlw sfod ubf{ vl/b÷ljsf;÷lj:tf/ ubf{ ePsf] vr{n] l;h{gf
ePsf] l:y/ ;DklQsf] pkef]Uo cfo' eGbf a9L gx'g] u/L sfod ug'{ kg]{5 .] 142
-cf_ u|]; cjlwsf] xsdf ;DalGwt shf{sf] k|f]8S6 k]k/df pNn]v ePsf] cjlwdf ga9\g] u/L
kl/of]hgfsf] lgdf{0f sfo{ ;DkGg x'g÷kl/of]hgf ;+rfngdf cfpg nfUg] cg'dflgt clwstd
cjlwnfO{ cfwf/ dfGg' kg]{5 . ;DalGwt shf{sf] k|f]8S6 k]k/df pNn]v ePsf] cjlweGbf
u|]; cjlw a9L lbg'kg]{ ePdf shf{ ljefusf] k"j{ :jLs[lt lng' kg]{5 .
-O_ shf{ u|fxs÷kl/of]hgfsf] gub k|jfx / cGo cfo;|f]tsf] cfwf/df
dfl;s÷q}dfl;s÷cw{jflif{s÷jfflif{s ls:tf sfod ug{' kg]{5 . shf{sf] [zLif{ssf]
cfwf/df]143 ;d]t ls:tf /sd lgwf{/0f ug{ ;lsg]5 . [cg';"rL ! df h'g;'s} Joj:yf
ePtfklg shf{sf] e'QmfgL tflnsf lgwf{/0f ubf{ shf{ x]g]{ ;DalGwt ljefusf] :jLs[lt lnO{
Ballooning System cg';f/ ;d]t ug{ ;lsg]5 . ] 144
-O{_ u|]; cjlwsf] ;'ljwf gePsf cfjlws shf{sf] e'QmfgL sfo{qmdsf] ldlt to ubf{ shf{ :jLs[t ePsf]
ldltn] ^ dlxgfleq klxnf] ;fFjf ls:tf /sdsf] e'QmfgL ldlt tf]sL cGo ls:tf /sd ;DalGwt
shf{sf] k|f]8S6 k]k/df pNn]v ePcg';f/ dfl;s÷q}dfl;s÷cw{jflif{s÷jflif{s÷/fVg' kg]{5 .
-p_ u|]; cjlwsf];'ljwfePsfcfjlwsshf{sf] e'QmfgL sfo{qmdsf] ldlttoubf{ shf{sf] u|]; cjlw
;dfKt ePsf] ldltaf6 klxnf] ;fFjf ls:tf /sdsf] e'QmfgL ldlt tf]sL cGo ls:tf /sd ;DalGwt
shf{sf] k|f]8S6 k]k/df pNn]v ePcg';f/ dfl;s÷q}dfl;s÷cw{jflif{s÷jflif{s÷/fVg' kg]{5
.
[-pm_ ;fdfGotof Equated Monthly Installment (EMI) cg';f/ shf{sf] ls:tf lgwf{/0f ubf{ u|];

142 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

143 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
144 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ zLif{scg';f/ Æ k|ltZyflkt ePsf]

64 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cjlw k|bfg ul/g] 5}g . olb u|]; cjlw k|bfg ul/Psf] 5 eg] u]|; cjlwsf] Jofh /sd
klxnf] ls:tf z'? x'g' cl3 g} r'Qmf ul/Psf] x'g' kg]{5 . ] 145

&!= shf{sf] n]vf+sg ;DaGwdfM a}+sn] u|fxsnfO{ shf{ k|jfx u/]kl5 shf{sf] ;DalGwt zLif{sx?df ;f]sf] clen]v
a}+ssf] clen]v /fVg] k|rlnt Core Banking System jf cGo sDKo"6/ System df /fVg' kg]{5 . shf{
sf/f]af/sf] n]vf+sg ;DaGwL ;Dk"0f{ l;4fGt / k|lqmof a}+ssf] k|rlnt shf{ n]vf+sg ;DaGwL sfo{ljlwn]
tf]s] adf]lhd x'g]5 .
&@= shf{÷;'ljwf sf/f]af/ ubf{ u|fxsn] rNtL vftfdf sfod ug{'kg]{ Go"gtd /sdsf] ;DaGwdfM shf{÷;'ljwf
sf/f]af/ ubf{ u|fxsn] rNtL vftfdf sfod ug{'kg]{ Go"gtd /sdsf] ;DaGwdf a}+sn] ;do ;dodf tf]s]
adf]lhd x'g]5 .
&#=kmf/fd÷/lhi6/x?sf] k|of]uM -!_ shf{ rqmsf] ljleGg txx? tyf shf{sf k|f]8S6x? adf]lhd k|of]u
x'g] kmf/fdx? tyf /lhi6/x? sfo{ljlwsf] b]xfo adf]lhdsf cg';"rLx?df pNn]v eP adf]lhd x'g] 5g\M
cg';"rL g+= kmf/fdx?÷/lhi6/x?sf] gfd
cg';"rL ! shf{sf Products / Product Papers
cg';"rL @ a}+sdf klxnf]k6s shf{ dfu ug{ cfpg] ;f]wk'5stf{nfO{ ;f]lwg] k|ZgfjnL
cg';"rL # ;fv ;"rgf / ax' a}+lsª sf/f]af/sf] ljj/0f
#=! shf{÷;'ljwf sf/f]jf/sf] cj:yfsf] hfgsf/L u/fPsf] kqsf] gd'gf
#=@ shf{ ;"rgf s]Gb|af6 ;fv ;"rgf lng eg{'kg]{ kmf/fdsf] gd'gf
#=# csf]{ a}+s jf ljQLo ;+:yf;Fu ;fv ;"rgf lnbf n]lvg] kqsf] gd'gf
#=$ csf]{ a}+s jf ljQLo ;+:yfnfO{ ;fv ;"rgf lbbf n]lvg] kqsf] gd'gf
#=% :yfgLo a}+s jf ljQLo ;+:yf;Fu ;fv ;"rgf lnbf n]lvg] kqsf] gd'gf
#=^ csf]{ a}+saf6 lng'kg]{ No Objection Letter sf] gd'gf
#=& csf]{ a}+snfO{ lbg'kg]{ No Objection Letter sf] gd'gf
#=* csf]{ a}+snfO{ kf/Lkf;' ;d]t ug{sf] nflu lbOg] No Objection Letter sf] gd'gf
cg';"rL $ shf{ sf/f]af/sf] nflu cfjZos kg]{ sfuhftx?sf] ljj/0f
cg';"rL % shf{ cfj]bg kmf/fdM
%=! ;/n s[lif shf{sf] nflu shf{ cfj]bg tyf :jLs[lt k|:tfj
%=@ shf{ cfj]bg kmf/fd
%=# d'2lt /l;b÷;'/If0fkq lwtf] shf{sf] nflu shf{ cfj]bg kmf/fd
%=$ z]o/ lwtf] -dflh{g n]l08Ë_ shf{sf] nflu shf{ cfj]bg tyf :jLs[lt k|:tfj
%=% ;'grfFbL lwtf] shf{ cfj]bg tyf :jLs[lt k|:tfj
cg';"rL ^ lwtf] / kl/of]hgf lg/LIf0f k|ltj]bg kmf/fd
cg';"rL & lwtf]df lnO{g] hUuf, 3/, d]lzg/Lsf] d"Nof+sg k|ltj]bg -sd{rf/Laf6 d"Nof+sg_ kmf/fd
cg';"rL * lwtf] d"Nof+sgstf{nfO{ d"Nof+sgsf] nflu lbOg] kqsf] gd'gf
cg';"rL ( lwtf] ;dLIff kmf/fd
cg';"rL !) lwtf] d~h"/Lgfdf lbg]sf] cGtjf{tf{ tyf kfl/jfl/s ;xdlt kmf/fd
cg';"rL !! r]s lni6

145 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 65

cg';"rL !@ shf{ :jLs[lt k|:tfjM
!@=! JolQmut shf{ :jLs[lt k|:tfj
!@=@ ?=@) nfv;Ddsf] ;+:yfut shf{ :jLs[lt k|:tfj
!@=# ?=@) nfveGbf dfly ?=%) nfv;Ddsf] ;+:yfut shf{ :jLs[lt k|:tfj
!@=$ ?=%) nfv dflysf] ;+:yfut shf{ :jLs[lt k|:tfj
!@=% d'2lt /l;b÷;'/If0fkq lwtf] shf{sf] :jLs[lt k|:tfj
!@=^ hf]lvdef/ Dofl6«S;
cg';"rL !# !#=! shf{ ;'ljwf–kq sf] gd'gf
!#=@ shf{ ;'ljwf ;DaGwdf u|fxssf] :jLs[lt kqsf] gd'gf
cg';"rL !$ !$=! dfnkf]t sfof{nodf lwtf] /f]Ssf /fVgsf] nflu n]lvg] kqsf] gd'gf
!$=@ dfnkf]t sfof{nodf lwtf] b[li6aGws lnvt kf; ug{sf] nflu n]lvg] kqsf] gd'gf
cg';"rL !% sfuhft ;'/If0f /f]Ssf /fVg n]lvg] kqsf] gd'gf
cg';"rL !^ z]o/ /f]Ssfsf] nflu n]lvg] kqsf] gd'gf
cg';"rL !& shf{ e'QmfgL :jLs[lt kmf/fd÷cfGtl/s kq
cg';"rL !* ;b'kof]lutf lg/LIf0f kmf/fdx?
!*=! shf{sf] ls:tf dfu ug]{ lgj]bg kmf/fd
!*=@ q}dfl;s kl/of]hgf lg/LIf0f tyf shf{ ;b'kof]lutf lg/LIf0f tyf lg0f{osf] kmf/fd
!*=# kl/of]hgf lg/LIf0f tyf shf{ ;b'kof]lutf lg/LIf0f tyf lg0f{osf] kmf/fd
!*=$ shf{ ;'kl/j]If0f e|d0f k|ltj]bg
!*=% sfof{no ;'kl/j]If0f÷lg/LIf0f e|d0f k|ltj]bg
cg';"rL !( shf{ gjLs/0fsf] nflu lgj]bg kmf/fd
cg';"rL @) shf{ gjLs/0f ;DaGwL lg0f{o kmf/fd
cg';"rL @! shf{ k'g/tflnsLs/0f / k'g/;+/rgfsf] lgj]bg kmf/fd
cg';"rL @@ shf{ k'g/tflnsLs/0f / k'g/;+/rgf ;DaGwL lg0f{o kmf/fd
cg';"rL @# ;do cufj} lwtf] k'g/d"Nof+sg ug]{ ;DaGwL lg0f{o kmf/fd
cg';"rL @$ cf+lzs lwtf] km's'jf ;DaGwL lg0f{o kmf/fd
cg';"rL @% @%=! lwtf] km's'jf lgj]bg tyf lg0f{o kmf/fd
@%=@ lwtf] km's'jf ug{sf] nflu n]lvg] kqsf] gd'gf
cg';"rL @^ ;'grfFbL lwtf] shf{sf] nflu k|of]u x'g] kmf/fdx? @^=! ;'grfFbL lg/LIfsn] ug{'kg]{
sa'lnotgfdfsf] gd'gf @^=@ ;'grfFbL lwtf] shf{sf] td;'s
@^=# ;'grfFbL lwtf] shf{sf] u|fxsk|lt /l;b @^=$ ;'grfFbL lwtf] shf{ nufgL /lhi6/
@^=% 9's'6Ldf /fv]sf] ;'grfFbL ;fdfgsf] clen]v /lhi6/
@^=^ lwtf]df /x]sf] ;'grfFbLsf] cj:yf, hfFra'em tyf d"Nof+sgsf] ljj/0f @^=& lnnfd
ljqmL lg0f{osf] ;"rgf ul/Psf] kqsf] gd'gf
@^=* ;"grfFbL lwtf] shf{sf] lwtf] lnnfdL laqmL ;DaGwL ;"rgfsf] gd'gf @^=( lwtf] lnnfdL
8fFs a9fj9 d'r'Nsfsf] gd'gf
@^=!) 8fFs jf]Ng]÷df]n lbg]n] /sd gj'emfPdf ul/g] d'r'Nsfsf] gd'gf
@^=!! /sd tyf ;'grfFbL dfn;fdfg j'em]sf] ekf{O{sf] gd'gf
cg';"rL @& @&=! 3/ ljqmL ug{ ;xdlt ePsf] ;xdlt kqsf] gd'gf @&=@ hUuf ljqmL ug{ ;xdlt ePsf]
;xdlt kqsf] gd'gf @&=# ;fdfg ljqm]tfnfO{ ;fdfg ljqmL ug{ u/]sf] cg'/f]w kq @&=$ ;jf/L

66 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 ;fwg gfd;f/L ug{ n]Vg] kqsf] gd'gf

cg';"rL @* sfg"gL lnvtx?

@*=! JolQmut u|fxsn] ug]{ lwtf] b[li6aGws lnvt kf;sf] gd'gf
@*=@ ;+:yfut u|fxsn] ug]{ lwtf] b[li6aGws lnvt kf;sf] gd'gf
@*=# JolQmut shf{sf] nflu t];|f] kIfn] ug]{ lwtf] b[li6aGws lnvt kf;sf] gd'gf
@*=$ ;+:yfut shf{sf] nflu t];|f] kIfn] ug]{ lwtf] b[li6aGws lnvt kf;sf] gd'gf
@*=% shf{ u|fxsn] ug]{ td;'s lnvtsf] gd'gf
@*=^ lwtf] d~h"/Lgfdf lbg] kIfn] ug]{ d~h"/Lgfdf lnvtsf] gd'gf
@*=& JolQmn] lng] shf{sf nflu ul/lbg] JolQmut hdfgtsf] lnvtsf] gd'gf
@*=* kmd{÷sDkgLn] lng] shf{sf nflu ul/lbg] JolQmut hdfgtsf] lnvtsf] gd'gf
@*=( k|f]ld;/L gf]6sf] gd'gf
@*=!) kf/Lkf;'sf] gd'gf
@*=!! 8]lj6 cyf]l/6L gf]6sf] gd'gf
@*=!@ csf]{ kIfnfO{ lwtf] afF8kmfF8 ubf{ k|of]u ug{'kg]{ sa"lnotgfdfsf] gd'gf
@*=!# csf]{ kIfaf6 lwtf] k|fKt ubf{ k|of]u ug{'kg]{ sa"lnotgfdfsf] gd'gf
cg';"rL @( shf{;Fu ;DalGwt /lhi6/x?
@(=! shf{ cfj]bg btf{ /lhi6/
@(=@ shf{ :jLs[t /lhi6/
@(=# shf{ gjLs/0f /lhi6/
@(=$ lgliqmo shf{÷;'Id lgu/fgLdf /x]sf shf{ u|fxssf] /lhi6/
@(=% shf{ k'g/tflnsLs/0f÷k'g/;+/rgf /lhi6/
@(=^ shf{ ;b'kof]lutf ;'kl/j]If0f /lhi6/
@(=& td;'s /lhi6/
@(=* ckn]lvt shf{ ljj/0f /lhi6/
@(=( ;sf/ ;DklQ ljj/0f /lhi6/
@(=!) sfnf];"rL ljj/0f /lhi6/
@(=!! Psn u|fxs shf{ ;Ldf /lhi6/
@(=!@ lwtf] km's'jf /lhi6/
-@_ shf{sf] /sd / k|s[ltsf] cfwf/df shf{ :jLs[t ubf{ b]xfo adf]lhdsf cg';"rLx? k|of]u ug{' kg]{5M
cGo cg';"rLx?÷
shf{sf] ljj/0f clgjfo{?kdf k|of]u ug{'kg]{ cg';"rLx?
sfuhftx?
JolQmut shf{ @, #, $, %=@, -^, *, (_ jf &, !), !!, !@=!, !#
cfjZostfcg';f

;/n s[lif shf{ @, #, $, %=!, &, !), !!, !#

/lhi6/x?, shf{
sfuhftx?,

?=@) nfv;Ddsf] ;+:yfut shf{ @, #, $, %=@, -^, *, (_ jf &, !), !!, !@=@, !#
/ sfg"gL

gjLs/0f

?=@) nfvb]lv ?=%) nfv;Ddsf]

@, #, $, %=@, ^, *, (, !), !!, !@=#, !#
;+:yfut shf{
?=%) nfv dflysf] ;+:yfut shf{ @, #, $, %=@, ^, *, (, !), !!, !@=$, !@=^, !#

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 67

 d'2lt /l;b÷;'/If0fkq lwtf] shf{ #, %=#, !@=%
z]o/ lwtf] -dflh{g n]l08Ë_ shf{ @, #, $, %=$, !!, !#
;'grfFbL lwtf] shf{ #, $, %=%, !!, @^
#_ sfof{nox?n] cg';"rLdf pNn]v ePsf kmf/fdx? tyf /lhi6/x?sf] k|of]u ug{' kg]{5 .
-$_ k|of]udf NofOPsf kmf/fdx? tyf /lhi6/x?df k|d'v sfo{sf/L clws[tn] cfjZostf adf]lhd
kl/jt{g tyf yk36 ug{ ;Sg]5g\ .
[-%_shf{ :jLs[lt k|lqmofdf k|of]u x'g] efiff c+u|]hL jf g]kfnL jf b'j} x'g ;Sg]5 .] 146
&$= Force Loan Book ug{] ;DaGwdfM -!_ u}/ sf]ifdf cfwfl/t sf/f]af/ ug]{ ;Gbe{df u|fxsaf6 k|ltj4tf eP
adf]lhdsf] sfo{ ;DkGg x'g g;s]df jf k|ltj4tf u/] adf]lhd e'QmfgL ug{ g;s]sf] cj:yfdf a}+snfO{ e'QmfgL
ug{'kg]{ bfloTj l;h{gf ePdf u|fxssf] gfddf Force Loan Book u/L ;DalGwt kIfnfO{ a}+saf6 e'QmfgL ug{'
kg]{5 .
-@_ u|fxssf] gfddf shf{ hgfO{ e'QmfgL ubf{ sfof{non] sfof{no:t/sf] lg0f{o u/L ;f]sf] hfgsf/L
u|fxsnfO{ ;d]t u/fpg' kg]{5 .
-#_ pk–bkmf -!_ adf]lhd shf{ hgfpbf cGo shf{ :jLs[t ubf{sf k|lqmofx? ckgfpg' kg]{ 5}g .
-$_ Force Loan Book ug{'cl3 a}+ssf] ;Defljt bfloTj lx;fanfO{ l/e;{ ug{' kg]{5 .
&%=shf{ c:jLs[t x'g ;Sg] jf shf{sf] ls:tf k|jfx ug{ /f]s nufpg ;Sg] cj:yfx?M b]xfosf cj:yfdf
shf{ c:jLs[t x'g ;Sg] jf :jLs[t eO{ ;s]sf] shf{sf] ls:tf /sd ;d]t k|jfx ug{nfO{ /f]s nufpg
;lsg]5 . pko'Qm sf/0f hgfO{ shf{ nufgL jf ls:tf k|jfx ug{ g;lsg] Joxf]/fsf] lnlvt hfgsf/L shf{
cfj]bs÷u|fxsnfO{ lbg ;lsg]5 .
(1) bkmf * / !) adf]lhdsf] shf{ u|fxssf] of]Uotf k"/f gePsf] kfOPdf .
(2) cg';"rL $ adf]lhdsf] shf{ u|fxsn] k]z ug{k ' g]{ ;Dk"0f{ sfuhftx? k]z ug{ g;s]df .
(3) shf{ ljZn]if0f ubf{ shf{ cfj]bs shf{ kfpgsf] nflu pko'Qm gb]lvPdf .
(4) sfo{ljlwn] aGb]h u/]sf JolQm jf ;+:yfnfO{ shf{ k|bfg u/]sf] kfOPdf .
(5) shf{sf] ;b'kof]lutf lg/LIf0f ubf{ shf{ u|fxsn] shf{ b'?kof]u u/]sf] kfOPdf .
(6) g]kfn ;/sf/÷g]kfn /fi6« a}+s÷o; a}+saf6 s'g} If]q÷zLif{sdf shf{ nufgL ug{ /f]s nufO{Pdf .
(7) [k|rlnt shf{ c;"nL sfo{ljlwdf Joj:yf eP adf]lhdsf] ;dofjlw k"/f gePdf .]
147
(8) shf{ :jLs[lt tyf shf{ k|jfx k|lqmofsf] cjlwleq u|fxs sfg"gL em}emd]nfdf k/]sf] kfOPdf jf
sfnf];"rLdf k/]sf] kfOPdf jf cGo a}+s tyf ljQLo ;+:yfdf /x]sf] shf{ lgliqmo ju{df /x]sf] kfOPdf
jf a}+lsË s;'/hGo s'g} klg ultljlwdf ;+nUg ePsf] kfOPdf .
(9) cfkm'nfO{ gePsf] clVtof/Lsf] cglws[t k|of]u u/L s'g} sd{rf/Laf6 shf{ :jLs[t u/]sf] jf a}+ssf
tkm{af6 s'g} lnlvt k|ltj4tf lbPsf] kfOPdf .
(10) a}+snfO{ pko'Qm nfu]sf cGo sf/0fx? ePdf .
&^= a'ema'emf/y ;DaGwdfM -!_ shf{ kmfF6 k|d'v cfkm' ;?jf eO{ jf cjsfz eO{ hfFbf ;Dk"0f{ shf{;Fu ;DalGwt
ldl;nx?, sfg"gL sfuhftx?, shf{ u|fxsx?, ;Dk"0f{ shf{sf] cj:yf, kl/of]hgf:yn tyf ;f]sf] ef}lts
cj:yf cflbsf] af/]df lghnfO{ k|lt:yfkg ug]{ csf]{ shf{ kmfF6 k|d'vnfO{ clgjfo{ ?kdf a'ema'emf/y ug{'
kg]{5 .
-@_ k|aGwsn] lghnfO{ k|lt:yfkg ug]{ csf]{ k|aGwsnfO{ If]qLo sfof{nosf] sDtLdf clws[t:t/sf]

146 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

147 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ shf{ c;"nL sfo{ljlw, @)^* sf] cg';"rL #$ cg';f/sf] ;dofjlw k"/f gePdf .Æ
k|ltZyflkt ePsf]

68 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 k|ltlgwLsf] /f]xj/df shf{;Fu ;DalGwt pk/f]Qm ljifox?df clgjfo{ ?kdf a'ema'emf/y ug{' kg]{5 .

&&= ljljwM -!_ ;Dk"0f{ shf{ k|lqmofdf k|of]udf cfpg] ;a} cg';"rL÷kmf/fdx?df lg/LIf0f ug]{, k|ltj]bg k]z ug]{,
l;kmfl/z ug]{, ;ldIff ug]{, :jLs[t ug]{ tyf cGo k|lqmofdf ;+nUg x'g] ;a} sd{rf/Lx?sf] gfd, kb, sf]8 g+=,
b:tvt / ldlt :ki6 ?kdf b]lvg] u/L pNn]v ug{' kg]{5 .
-@_ of] sfo{ljlwsf] k|efjsf/L sfof{Gjogsf nflu k|d'v sfo{sf/L clws[t jf lghn] tf]s]sf] pk–
dxfk|aGwssf] ;+of]hsTjdf shf{ ljefu, s[lif a}+ls+u tyf P;=Pd=O{= ljefu, sfg"g ljefu, ljQ tyf n]vf
ljefu / ;"rgf k|ljlw ljefusf k|ltlglw /xg] u/L æsfo{ljlw sfof{Gjog tyf cg'udg O{sfO{Æ u7g ul/g]5 .
pQm O{sfO{sf] sfd, st{Jo / clwsf/ k|d'v sfo{sf/L clws[tn] tf]s] adf]lhd x'g]5 .
-#_ of] sfo{ljlw sfof{Gjog ug{ k|d'v sfo{sf/L clws[tn] cfjZos cfb]z, lbUbz{g, lgb]{lzsf hf/L
ug{ ;Sg]5g\ .
[-$_ shf{ tyf ;'ljwf ;DaGwL sfo{ljlwx?df pNn]v ePsf Joj:yfx?n] a}+ssf] Joj;fo a[l¢df
sld x'g ;Sg] cj:yf b]lvPdf s'g} u|fxsnfO{ ;DalGwt sfo{ljlwdf ePsf] k|rlnt Joj:yfn] ck'u eO{
;DalGwt sfof{no / k|b]z sfof{non] a}+ssf] lxtdf x'g] u/L l;kmfl/z u/]df ;+rfns ;ldltaf6 k|d'v
sfo{sf/L clws[tnfO{ k|Tofof]lht clwsf/ leq /xg] u/L Jofhb/df k|d'v sfo{sf/L clws[tn] yk ;'ljwf
k|bfg ug{ ;Sg]5g\ . sf/f]af/df a[l4 ug{ cf}lrTotfsf] cfwf/df shf{ ;'ljwf sf/f]af/df lnO{g] ;]jf z'Ns,
sldzg z'Ns, lwtf] dflh{g / cGo k|fjwfgx?df k|d'v sfo{sf/L clws[tn] yk ;'ljwf k|bfg ug{ ;Sg]5g\ .
] 148
[-%_ s'g} sfuhft gk'u ePsf] cj:yfdf jf cGo s'g} ljifd kl/l:yltsf] cj:yfsf] sf/0fn] shf{
;'ljwf ;Ldf :jLs[t÷gjLs/0f ug{ afwf k'Ug] cj:yfdf ;d]t cf}lrTok"0f{ k'i6\ofO{ ;lxt shf{ ;'ljwf
:jLs[t÷gjLs/0f ug{ ;lsg]5 . :jLs[t÷gjLs/0f ePsf] shf{ ;'ljwfsf] hfgsf/L d'Vo sfof{nodf /x]sf]
shf{ k|zf;g zfvfnfO{ u/fpg' kg]{5 . sfuhft k]z ug{' kg]{ cj:yfdf u|fxsn] tf]lsPsf] ;dofjlw leqdf
pQm sfuhft a}+sdf k]z ug{' kg]{5 . u|fxsn] tf]lsPsf] ;dofjlw leqdf sfuhft k]z ug{ g;s]df :jLs[t
;Ldf /4 ug{' kg]{5 .
-^_ qm]l86 k|f];]l;Ë c6f]d]zg ;ˆ6j]o/ -Credit Processing Automation Software_ ;DaGwL Joj:yfM
-!_ a}+sn] shf{÷;'ljwfsf] ;Ldf :jLs[lt tyf gjLs/0f sfo{df ;xof]u x'g] u/L tf]lsPsf
sfof{nox?df qm]l86 k|f];]l;Ë c6f]d]zg ;ˆ6j]o/ jf l;:6dsf] Joj:yf ug{ ;lsg]5 .
-@_ qm]l86 k|f];]l;Ë c6f]d]zg ;ˆ6j]o/ jf l;:6dsf] k|of]u u/L shf{÷;'ljwf ;Ldf :jLs[lt tyf
gjLs/0fsf] nflu ;DalGwt sfof{non] k|b]z jf d'Vo sfof{nodf shf{ ;'ljwfsf] ldl;n
ef}lts?kdf k7fpg' kg]{ 5}g .
-#_ qm]l86 k|f];]l;Ë c6f]d]zg ;ˆ6j]o/ jf l;:6dsf] k|of]u ug]{ ;DaGwdf a}+ssf] o; ;DaGwL
lgb]{lzsfdf pNn]v eP adf]lhd x'g]5 .
-&_ shf{ k|zf;g zfvf÷OsfO{ -CAD_ ;DaGwL yk Joj:yfM
-!_ d'Vo sfof{no tyf k|b]z sfof{noaf6 :jLs[t ePsf shf{÷;'ljwfsf] ;Ldf a}+ssf] sf]/ a}+lsª
l;:6ddf clen]v ug]{ sfo{ d'Vo sfof{nodf /x]sf] shf{ k|zf;g zfvf÷OsfO{af6 x'g]5 .
-@_ zfvf sfof{nox?af6 :jLs[t ePsf shf{÷;'ljwfsf] ;Ldf a}+ssf] sf]/ a}+lsª l;:6ddf
148
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf] Joj:yf æsfo{ljlwdf pNn]v ePsf Joj:yfx?n]
a}+ssf] Joj;fo a[l¢df sld x'g ;Sg] cj:yf b]lvPdf s'g} u|fxsnfO{ shf{÷;'ljwf sf/f]af/df sfo{ljlwdf ePsf] k|rlnt Joj:yfsf cltl/Qm lwtf] /x]sf]
If]q tyf dflh{g, sldzg, ;]jf z'Ns ;DaGwdf yk ;'ljwf k|bfg ug{ ;DalGwt sfof{no / If]qLo sfof{non] a}+ssf] lxtdf x'g] u/L cf}lrTotf / k'i6\ofO{
;lxt l;kmfl/z u/]df k|d'v sfo{sf/L clws[tn] o:tf] ;'ljwf k|bfg ug{ ;Sg]5g\ .Æ nfO{ ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd
k|:yflkt

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 69

 clen]v ug]{ sfo{ k|b]z sfof{nodf /x]sf] shf{ k|zf;g zfvf÷OsfO{af6 x'g]5 .
-#_ shf{ k|zf;g OsfO{af6 shf{÷;'ljwf ;Ldf a}+ssf] sf]/ a}+lsª l;:6ddf clen]v ug]{ sfo{ a}+s
Joj:yfkg4f/f tf]lsPsf sfof{nox?af6 qmdzM nfu" ub}{ nlug]5 .
-$_ shf{ k|zf;g zfvf÷OsfO{af6 shf{÷;'ljwfsf] ;Ldf a}+ssf] sf]/ a}+lsª l;:6ddf clen]v
/fVg' k"j{ lng'kg]{ sfuhftx? tyf o; zfvf÷OsfO{n] ug]{ sfo{x?sf] af/]df a}+s Joj:yfkgn]
;do ;dodf tf]s] adf]lhd x'g]5 . ] 149
&*= sfo{ljlwsf] JofVofM of] sfo{ljlwsf] JofVof ug]{ clwsf/ ;+rfns ;ldltnfO{ x'g]5 .
&(= sfo{ljlwdf ;+zf]wgM -!_ [o; sfo{ljlwsf] d'n v08 tyf cg';"rL ! df /x]sf] k|f]8S6 k]k/x?df]150 s'g}
;+zf]wg ug'{ k/]df ;+rfns ;ldltn] ug]{5 .
-@_ cg';"rLx?sf] ;+zf]wg tyf yk36 ug'{ k/]df k|d'v sfo{sf/L clws[tn] ug]{ 5g\ .
*)=vf/]hL / arfpM -!_ of] sfo{ljlw nfu" x'g'eGbf klxn] a}+sdf nfu" /x]sf b]xfosf sfo{ljlwx? vf/]h ul/Psf]
5M
-s_ shf{ sfo{ljlw, @)^! -cBfjlws, @)^%_
-v_ 3/fo;L shf{ sfo{ljlw, @)^$
-u_ 3/ vl/b shf{ sfo{ljlw, @)^$
-3_ cfjf; shf{ sfo{ljlw, @)^$
-ª_ z}lIfs shf{ sfo{ljlw, @)^$
-r_ a}b]lzs /f]huf/ shf{ sfo{ljlw, @)^$
-5_ ;jf/L ;fwg -c6f]_ vl/b shf{ sfo{ljlw, @)^$
-h_ z}lIfs ;]jf shf{ sfo{ljlw, @)^^
-em_ u|fxs k|j¢{g sf]if sfo{ljlw, @)^&
-`_ ;'grfFbL shf{ sfo{ljlw, @)^*
-6_ ;/n lgdf{0f tyf 7]Ssfk§f Joj;foL shf{ sfo{ljlw, @)^*
-7_ 3/÷ejg dd{t shf{ ;DaGwL lgb]{lzsf, @)^(
-8_ xfo/ kr]{h shf{ sfo{ljlw, @)^(
-9_ ;/n s[lif shf{ sfo{ljlw, @)&)
-0f_ Joj;flos ejg tyf xfplhË lgdf{0f shf{ sfo{ljlw, @)&!
-@_ pk/f]Qm sfo{ljlwx? ;DaGwL ljleGg ldltdf ePsf ;Dk"0f{ kl/kqx? ;d]t vf/]h ul/Psf] 5 .
-#_ pk–bkmf -!_ / -@_ adf]lhd vf/]h ul/Psf sfo{ljlwx? / kl/kqx? adf]lhd eP u/]sf sfd
sf/afxL o;} sfo{ljlw adf]lhd eP u/]sf] dflgg]5 .
-$_ o; sfo{ljlw / a}+ssf] shf{ ;DaGwL cGo sfo{ljlwx? Pscfk;df aflemPdf aflemPsf] xb;Dd
o; sfo{ljlw cg';f/ x'g]5 .

sfo{ljlw :jLs[t ePsf] ldltM @)&#÷!@÷@@

149
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
150
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æo; sfo{ljlwdfÆ k|Zyflkt

70 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

-shf{ sfo{ljlw, @)&# sf] bkmf -&_ ;Fu ;DalGwt_
a}+ssf shf{ k|f]8S6 -Loan Product) sf k|f]8S6 k]k/x? -Product Papers)
a}+saf6 k|bfg ul/g] shf{ zLif{s cGtu{t /x]sf ljleGg shf{ k|f]8S6x? b]xfo adf]lhd x'g] 5g\ . a}+sn] cfjZostf
cg';f/ ;do;dodf shf{sf k|f]8S6x? yk36 ug{ ;Sg]5 . k|To]s shf{sf k|f]8S6 k]k/x? b]xfodf pNn]v
ePadf]lhd x'g] 5g\ .
qm=;+= shf{sf k|f]8S6x? qm=;+= shf{sf k|f]8S6x?
1 ;/n s[lif shf{ 30 ;xljQLos/0f shf{
2 s[lif pTkfbg shf{ 31 lj|hUofk shf{
3 kz'k+IfLkfng shf{ 32 ljZjf;sf] lnvt -l6=cf/=_ shf{
4 df5fkfng shf{ 33 lgof{t shf{ -k"j{ lgof{t shf{_
5 lzt3/ shf{ 34 lgof{t shf{ -lgof{t kZrft\ shf{_
6 s[lif oGq v/Lb shf{ 35 k'glg{df{0f shf{
7 […] 151 36 qm]l86 sf8{ ;'ljwf
8 o'jf :j/f]huf/ shf{ 37 P8efG; cg qm]l86 -P=cf]=;L=_
9 yf]s shf{ 38 hdfgt bfjL shf{
10 pBf]u shf{ 39 [P;=Pd=O{=shf{]152
hnljB't tyf cGo a}+slNks phf{
11
shf{
40 [;x'lnotk"0f{ shf{] 153
12 ;]jf shf{ 41 [Salary Account Loan] 154
13 Jofkf/ shf{ 42 [xf]d :6] ;]jf shf{] 155
14 3/fozL shf{ 43 [ko{6g ;]jf shf{] 156
15 sd{rf/L ;]jf shf{ 44 [Mortgage Loan] 157
16 cf]e/8«fˆ6 shf{ 45 [lnh kmfOgfG; shf{ Lease Finance Loan] 158
17 ;/n 7]Ssfk§f shf{ 46 [7]Ssf shf{M Contract Loan] 159
18 xfOkf]lys]zg shf{ 47 [Professional Loan] 160
19 cfjf; shf{ 48 [cNksflng shf{ Short Term Loan]161
[pTkfbg tyf /f]huf/Lsf nflu ;x'lnotk"0f{ shf{ -afudtL k|b]zsf
20 3/ v/Lb shf{ 49
nflu dfq_]162

151 ldlt @)&^.!!.!@ ut]sf] k|d'v sfo{sf/L clws[t :t/sf] lg0f{oaf6 o'jf s[lif shf{ ;DjGwL k|f]8S6 vf/]h eO{ ;fljs o; k|f]8S6 cGtu{t k|jfx ePsf]
shf{ cg';'rL !=$) ;x'lnotk"0f{ shf{ k|f]8S6 cg';f/ x'g] ul/ ;+;f]wg ePsf] .
152
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhdsf] yk ePsf]
153
;+rfns ;ldltsf] ldlt @)&%.)(.)% sf] a}7s g+= &@! sf] lg0f{o adf]lhd yk ePsf]
154
;+rfns ;ldltsf] ldlt @)&%.)(.@( sf] a}7s g+= &@( sf] lg0f{o adf]lhd yk ePsf]
155
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd " ko{6g ;]jf -xf]6n, l/;f]{6, /]i6'/]G6, 6«fen P08 6';{, 6«]lsË, /flˆ6Ë, /fOl8Ë,
Sofgf]loË, Kof/fUnfO{l8Ë tyf cGo ko{6g;Fu ;DalGwt_, dgf]/~hg ;]jf -l;g]df tyf l;g]df xn, kfs{, kmgkfs{, :jLldË k'n, PSjf]l/od tyf cGo
dgf]/~hg;Fu ;DalGwt_, " zJb x6fOPsf] / ;f] If]qsf nflu cnUu} k|f]8S6 g+= $@ xf]d :6] shf{ tyf $# ko{6g ;]jf shf{ yk ePsf]
156
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd " ko{6g ;]jf -xf]6n, l/;f]6{ , /]i6'/]G6, 6«fen P08 6';{, 6«]lsË, /flˆ6Ë, /fOl8Ë,
Sofgf]loË, Kof/fUnfO{l8Ë tyf cGo ko{6g;Fu ;DalGwt_, dgf]/~hg ;]jf -l;g]df tyf l;g]df xn, kfs{, kmgkfs{, :jLldË k'n, PSjf]l/od tyf cGo
dgf]/~hg;Fu ;DalGwt_, " zJb x6fOPsf] / ;f] If]qsf nflu cnUu} k|f]8S6 g+= $@ xf]d :6] shf{ tyf $# ko{6g ;]jf shf{ yk ePsf]
157 ;+rfns ;ldltsf] ldlt @)&^.!).@* sf] a}7s g+ *)$ af6 yk
158 ;+rfns ;ldltsf] ldlt @)&^.!!.!@ sf] lg0f{oaf6 yk
159 ;+rfns ;ldltsf] ldlt @)&&.!!.!* sf] lg0f{oaf6 yk
160 ;+rfns ;ldltsf] ldlt @)&&.!!.!* af6 yk
161 ;+rfns ;ldltsf] ldlt @)&&.!!.!* af6 yk
162 ;+rfns ;ldltsf] ldlt @)&&.!).#) sf] lg0f{oaf6 yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 71

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[Jofj;flos s[lif tyf kz'kG5Lkfngsf nflu ;'ne shf{ -n'lDagL
21 38]/L v/Lb shf{ 50
k|b]zsf nflu dfq_] 163
[Jofj;flos s[lif tyf kz'kG5Lkfngsf nflu ;x'lnotk"0f{ shf{ -
22 Joj;flos ejg tyf xfplhË shf{ 51
s0ff{nL k|b]zsf] nflu_] 164
[s[lif tyf kz'kG5Lkfngsf nflu ;x'lnot shf{ -;'b"/klZrd
23 z}lIfs shf{ 52
k|b]zsf nflu dfq_] 165
24 xfo/kr]{h shf{ 53 [Joj;fo hLjg /Iff shf{ -u08sL k|b]zsf nflu dfq_] 166
25 c6f] shf{
26 ;'grfFbL lwtf] shf{
27 d'2lt /l;b lwtf] shf{
28
;/sf/L tyf cGo ;'/If0fkq lwtf]
shf{
29 z]o/ lwtf] -dflh{g n]l08Ë_ shf{

163 ;+rfns ;ldltsf] ldlt @)&&.!).#) sf] lg0f{oaf6 yk

164 ;+rfns ;ldltsf] ldlt @)&&.!).#) sf] lg0f{oaf6 yk
165 ;+rfns ;ldltsf] ldlt @)&&.!).#) sf] lg0f{oaf6 yk
166 ;+rfns ;ldltsf] ldlt @)&*.!@.@# sf] lg0f{oaf6 yk

72 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

!= ;/n s[lif shf{ Saral Krishi Karja
sfof{nosf] sfo{ If]qleq a;f]jf; u/L s[lif pTkfbg tyf s[lif Joj;fodf ;+nUg
shf{ u|fxs
shf{ kfpgof]Uo g]kfnL gful/s [, ;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f
ePsf shf{ kfpgof]Uo JolQmut kmd{ . ;fem]bf/L kmd{ . ;+:yf . sDkgL ] 167.
kz'k+IfLkfng, df5fkfng, s[lif÷ag k}bfjf/÷h8La'6L / cGo Joj;flos
shf{sf] k|of]hg
pTkfbgsf nflu .
clwstd shf{ ;Ldf ?= [@) nfv;Dd ] 168.
shf{sf] e'QmfgL cjlw [;+rfng k'FhL shf{M clwstd ! jif{ .
l:y/ k'FhL shf{M clwstd !) jif{;Dd . ] 169
shf{ gjLs/0f [;+rfng k'FhL k|s[ltsf] shf{ ] 170 gjLs/0f ug{ ;lsg] .
shf{sf] k|s[lt rfn' k'FhL÷Revolving k|s[ltsf] x'g] .
[l:y/ k'FhL÷Non Revolving k|s[ltsf] x'g] .] 171
shf{ k|bfg ug]{ cfwf/ [-!_] 172 kl/of]hgfsf] ;DefJotfsf] cfwf/df cfjZos kg]{ ;+rfng k'FhL
/sdsf] clwstd *) k|ltzt;Dd [/ cfjZos kg]{ l:y/ k'FhL /sdsf]
clwstd [*)] 173 k|ltzt;Dd . ] 174
[-@_ ufO{, e};L, cGo kz'k+l5 vl/b ug{÷uf]7 tyf cGo ;+/rgfsf] lgdf{0f
ug{÷l:y/ ;DklQsf] vl/b jf ljsf; ubf{ x'g]÷ePsf] vr{nfO{ cfjlws
shf{ k|bfg ug{' kg]{5 . ] 175
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf
Jofhb/ / e'QmfgL
a'emfpg' kg]{5 .
;]jf z'Ns tyf cGo z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
lwtf] k|fylds 3/÷hUuf tyf cGo
;'/If0f ;xfos JolQmut hdfgt
3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g'
lwtf] ;'/If0fsf] aLdf
kg]{5 .
s_ kl/of]hgf ;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 .
shf{sf] cg'udg
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .

167
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd yk
168
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd æ!) nfv;DdÆ zJb k|lt:yflkt ePsf]
169
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk
170
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd yk
171
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk
172
;+rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
173
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ&)Æ k|Zyflkt
174
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk
175
;+rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 73

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

yk Joj:yfM
1. ?= [@) nfv ] 176 eGbf dflysf] kz'k+IfLkfng, df5fkfng, s[lif÷ag k}bfjf/÷h8La'6L / cGo Joj;flos
pTkfbgsf nflu ;DalGwt Product Paper df pNn]v ePadf]lhdsf] zLif{sdf shf{ k|jfx ug'{ kg]{5 .
2. olb shf{ u|fxs sfof{nosf] sfo{ If]qleqsf] :yfoL afl;Gbf gePdf sfof{nosf] sfo{If]q leqsf] lghnfO{
/fd|f];Fu lrGg] :yfoL afl;Gbfaf6 clgjfo{?kdf JolQmut hdfgt lng' kg]{5 . JolQmut hdfgt lbg] JolQmsf]
gful/stfsf] k|df0fkq, hUufwgL btf{ k|df0fk'hf{sf] k|ltlnkL / kmf]6f] ;d]t lng' kg]{5 .
3. sfof{nosf] sfo{ If]q aflx/sf] -a]lhNnfsf]_ ;fdflhs / ef}lts k"jf{wf/sf] ljsf; ePsf] zx/L If]qsf]
ztk|ltzt lwtf] ;d]t lnO{ o; zLif{sdf shf{ nufgL ug{ ;lsg]5 .

176
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd !) nfv;Dd zJb k|ltZyflkt ePsf]

74 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

@= s[lif pTkfbg shf{ Agro Production Loan
;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut
shf{ u|fxs
kmd{÷;fem]bf/L kmd{÷;+:yf÷sDkgL .
s[lif;Fu ;DalGwt pTkfbg -h:t}M vfBfGg afnL, gub]afnL, t/sf/L v]tL, bnxg v]tL,
kmnkm'n v]tL, k'ik v]tL, lrof tyf skmL v]tL, d;nfv]tL, g;{/L, Rofp v]tL tyf cGo_,
shf{sf] k|of]hg
ag k}bfjf/ tyf h8La'6L;Fu ;DalGwt pTkfbg -h:t}M gLd, l6s, a]n, cdnf, t'n;L,
Pnf]e]/f, lr/fOtf], d]Gyf tyf cGo_ / cGo Joj;flos pTkfbgsf] nflu .
Go"gtd shf{ ;Ldf ?= [@)] 177 nfveGbf a9L .
rfn' k'FhL Revolving k|s[ltsf] x'g] .
shf{sf] k|s[lt
l:y/ k'FhL Non Revolving k|s[ltsf] x'g] .
rfn' k'FhL clwstd ! jif{
shf{sf] cjlw
l:y/ k'FhL pTkfbgsf] k|s[lt cg';f/ clwstd !% jif{;Dd
u|]; cjlw l:y/ k'FhL shf{sf] cjlw ggf3\g] u/L clwstd @ jif{;Dd
rfn' k'FhL gjLs/0f ug{ ;lsg]
shf{ gjLs/0f
l:y/ k'FhL gjLs/0f ug{ g;lsg]
shf{sf] ls:tf e'QmfgL l:y/ k'FhL q}dfl;s÷cw{jflif{s÷jflif{s
u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo ljj/0fsf] cfwf/df
rfn' k'FhL kl/of]hgf ;+rfngsf] nflu cfjZos kg]{ rfn' k'FhL /sdsf] clwstd
shf{ k|bfg ug]{ cfwf/ *) k|ltzt;Dd .
/ ;Ldf [!_] 178 u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo ljj/0f
l:y/ k'FhL cg';f/ kl/of]hgfsf] :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos kg]{
l:y/ k'FhL /sdsf] clwstd *) k|ltzt;Dd .
[@_ s[lif pTkfbgsf] nflu cfjZos kg]{ hUuf v/Lb÷ljsf; ug{
cfjZos kg]{ vr{sf] nflu cfjlws shf{ k|bfg ug{' kg]{5 .] 179
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf
Jofhb/ / e'QmfgL
a'emfpg' kg]{5 .
;]jf z'Ns tyf cGo
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
z'Ns
lwtf] k|fylds 3/÷hUuf tyf cGo
;'/If0f ;xfos JolQmut hdfgt
s_ 3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
aLdf
v_ pTkfbg x'g] j:t'sf] aLdf x'g] eP aLdf ug'{ kg]{5 .

177
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ!)Æ k|Zyflkt
178
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
179
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 75

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

s_ kl/of]hgf ;'rf? ?kdf ;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 .
shf{sf] cg'udg
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
yk Joj:yfM of] shf{ ?= [@) nfv ] 180 eGbf dflysf] s[lif, ag k}bfjf/ tyf hl8a'6L pTkfbg / cGo Joj;flos
pTkfbgsf] nflu dfq x'g]5 . ?= [@) nfv ]181 / ;f]eGbf sd shf{ /sdsf] xsdf ;/n s[lif shf{ zLif{sdf
shf{ k|jfx ug'{ kg]{5 .

180
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd "!) nfv;Dd" zJb k|ltZyflkt ePsf]
181
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd "!) nfv;Dd" zJb k|ltZyflkt ePsf]

76 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

#= kz'k+IfLkfng shf{ Livestock Loan
;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut
shf{ u|fxs
kmd{÷;fem]bf/L kmd{÷;+:yf÷sDkgL .
ufO{kfng, e};Lkfng, afv|fkfng, e]8fkfng, ofskfng, a+u'/kfng, s'v'/fkfng,
shf{sf] k|of]hg Xofr/L, df}/Lkfng, /]zdv]tL, nfxfv]tL -_, cli6«rkfng, v/fof]kfng, a§fO{kfng,
nf}sf6kfng tyf cGo Joj;flos kz'k+IfL / ls/fkfng k|of]hgsf] nflu .
rfn' k'FhL Revolving k|s[ltsf] x'g] .
shf{sf] k|s[lt l:y/ k'FhL Non Revolving k|s[ltsf] x'g] .
rfn' k'FhL clwstd ! jif{
shf{sf] cjlw l:y/ k'FhL clwstd !) jif{;Dd
u|]; cjlw l:y/ k'FhL shf{sf] cjlw ggf3\g] u/L clwstd ! jif{;Dd
rfn' k'FhL gjLs/0f ug{ ;lsg]
shf{ gjLs/0f l:y/ k'FhL gjLs/0f ug{ g;lsg]
shf{sf] ls:tf e'QmfgL l:y/ k'FhL q}dfl;s÷cw{jflif{s÷jflif{s
u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo ljj/0f cg';f/
rfn' k'FhL kl/of]hgf ;+rfngsf] nflu cfjZos kg]{ rfn' k'FhL /sdsf] clwstd *)
shf{ k|bfg ug]{ cfwf/ k|ltzt;Dd .
/ ;Ldf [!_] 182 u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo ljj/0f
l:y/ k'FhL cg';f/ kl/of]hgfsf] :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos kg]{
l:y/ k'FhL /sdsf] clwstd [*)] 183 k|ltzt;Dd .
[@_ ufO{, e};L cflb vl/b, uf]7÷cGo ;+/rgfsf] lgdf{0f / l:y/ ;DklQsf]
vl/b jf ljsf; ubf{ ePsf] vr{nfO{ cfjlws shf{ k|bfg ug{' kg]{5 .
] 184
Go"gtd shf{ ;Ldf ?= [@)] 185 nfveGbf a9L
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf cGo
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
z'Ns
lwtf] k|fylds 3/÷hUuf tyf cGo
;'/If0f ;xfos JolQmut hdfgt
s_ 3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
aLdf
v_ cfjZostf cg';f/ kz'k+IfLsf] aLdf ug'{ kg]{5 .
s_ kl/of]hgf ;'rf? ?kdf ;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 .
shf{sf] cg'udg
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .

182
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
183
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ &) Æ k|ltZyflkt
184
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
185
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ !) Æ k|ltZyflkt

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 77

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

yk Joj:yfM
of] shf{ ?= [@) nfv ] 186 eGbf dflysf] kz'k+IfLkfng k|of]hgsf] nflu x'g]5 . ?= [@) nfv ] 187 / ;f]eGbf
sd shf{ /sdsf] xsdf ;/n s[lif shf{ zLif{sdf shf{ k|jfx ug'{ kg]{5 .

186
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd "!) nfv;Dd" zJb k|ltZyflkt ePsf]
187
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd "!) nfv;Dd" zJb k|ltZyflkt ePsf]

78 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

$= df5fkfng shf{ Fish Farming Loan
;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut
shf{ u|fxs
kmd{÷;fem]bf/L kmd{÷;+:yf÷sDkgL .
shf{sf] k|of]hg df5fkfng -df5f pTkfbg tyf Joj;fo_ sf] nflu
rfn' k'FhL Revolving k|s[ltsf] x'g] .
shf{sf] k|s[lt
l:y/ k'FhL Non Revolving k|s[ltsf] x'g] .
rfn' k'FhL clwstd ! jif{
shf{sf] cjlw
l:y/ k'FhL clwstd !) jif{;Dd
u|]; cjlw l:y/ k'FhL shf{sf] cjlw ggf3\g] u/L clwstd ! jif{;Dd
rfn' k'FhL gjLs/0f ug{ ;lsg]
shf{ gjLs/0f
l:y/ k'FhL gjLs/0f ug{ g;lsg]
shf{sf] ls:tf e'QmfgL l:y/ k'FhL q}dfl;s÷cw{jflif{s÷jflif{s
u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo ljj/0f cg';f/
rfn' k'FhL kl/of]hgf ;+rfngsf] nflu cfjZos kg]{ rfn' k'FhL /sdsf] clwstd
*) k|ltzt;Dd .
shf{ k|bfg ug]{ cfwf/ /
;Ldf [!_] 188u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo ljj/0f
l:y/ k'FhL cg';f/ kl/of]hgfsf] :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos kg]{
l:y/ k'FhL /sdsf] clwstd [*)] 189 k|ltzt;Dd .
[@_ df5fkfngsf] nflu kf]v/L vGg / cGo cfjZos ;DklQ
pks/0f vl/b ug{ cfjlws shf{ k|bfg ug{' kg]{5 . ] 190
Go"gtd shf{ ;Ldf ?= [@)] 191 nfveGbf a9L
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf
Jofhb/ / e'QmfgL
a'emfpg' kg]{5 .
;]jf z'Ns tyf cGo z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
k|fylds 3/÷hUuf tyf kl/of]hgf:yn
lwtf] ;'/If0f
;xfos JolQmut hdfgt
s_ 3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5
aLdf
. v_ cfjZostf cg';f/ pTkfbg x'g] df5fsf] aLdf ug'{ kg]{5 .
s_ kl/of]hgf ;'rf? ?kdf ;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 .
shf{sf] cg'udg
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .

188
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
189
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ &) Æ k|ltZyflkt
190
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
191
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ !) Æ k|ltZyflkt

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 79

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

yk Joj:yfM
of] shf{ ?= [@) nfv ] 192 eGbf dflysf] df5fkfng -df5f pTkfbg tyf Joj;fo_ k|of]hgsf] nflu x'g]5 . ?=
[@) nfv ] 193 / ;f]eGbf sd shf{ /sdsf] xsdf ;/n s[lif shf{ zLif{sdf shf{ k|jfx ug'{ kg]{5 .

192
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd "!) nfv;Dd" zJb k|ltZyflkt ePsf]
193
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd "!) nfv;Dd" zJb k|ltZyflkt ePsf]

80 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

%= lzt3/ shf{ Cold Storage Loan
;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L
shf{ u|fxs
kmd{÷;+:yf÷sDkgL .
shf{sf] k|of]hg lzt3/ lgdf{0f tyf ;+rfng sfo{sf] nflu
rfn' k'FhL Revolving k|s[ltsf] x'g] .
shf{sf] k|s[lt
l:y/ k'FhL Non Revolving k|s[ltsf] x'g] .
rfn' k'FhL clwstd ! jif{
shf{sf] cjlw
l:y/ k'FhL clwstd !) jif{;Dd
u|]; cjlw l:y/ k'FhL shf{sf] cjlw ggf3\g] u/L clwstd @ jif{;Dd
rfn' k'FhL gjLs/0f ug{ ;lsg]
shf{ gjLs/0f
l:y/ k'FhL gjLs/0f ug{ g;lsg]
shf{sf] ls:tf
l:y/ k'FhL q}dfl;s÷cw{jflif{s÷jflif{s
e'QmfgL
u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo ljj/0f cg';f/ kl/of]hgf
rfn' k'FhL
;+rfngsf] nflu cfjZos kg]{ rfn' k'FhL /sdsf] clwstd *) k|ltzt;Dd .
shf{ k|bfg ug]{
cfwf/ / ;Ldf u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo ljj/0f cg';f/
l:y/ k'FhL kl/of]hgfsf] :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos kg]{ l:y/ k'FhL /sdsf]
clwstd [*)] 194 k|ltzt;Dd .
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg' kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds 3/÷hUuf / lgdf{0f x'g] kl/of]hgf -clgjfo{_
;'/If0f ;xfos JolQmut hdfgt
s_ lgdf{0f ePsf] kl/of]hgfsf] d"Nof+sg a/fa/sf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
aLdf v_ 3/ ;d]t lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
u_ kl/of]hgfdf /flvPsf dfn;fdfgsf] aLdf clgjfo{ ug'{ kg]{5 .
s_ kl/of]hgf ;'rf? ?kdf ;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 .
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
u_ shf{sf] ls:tf k|bfg ubf{ lgdf{0f ePsf] cj:yf / ;f]df ePsf] vr{nfO{ cfwf/ dfGg'
shf{sf] cg'udg
kg]{5 . vr{ ePsf] cflwsf/Ls ;Ssn ljn, ltg{k' g]{ lx;fa vftfsf] PsLg ug'{ kg]{5 .
3_ q}dfl;s ?kdf :6ssf] ljj/0f÷cjlw cg';f/sf] cf;fdL vftfsf] ljj/0f÷ltg{'kg]{
lx;fjsf] ljj/0f lnO{ ldl;ndf cBfjlws ug'{ kg]{5 .

194
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ ^) Æ k|ltZyflkt

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 81

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

yk Joj:yfM
1. kl/of]hgf ;DkGg ePkl5 kl/of]hgfsf] s'n d"Nof+lst /sd / ;f]df /x]sf] d]lzg/Lx?sf] clgjfo{ ?kdf a}+s
a]lglkml;o/L x'g] u/L aLdf lgoldt x'g' kg]{5 .
2. Jofh cg'bfgsf] ;DaGwdf g]kfn ;/sf/af6 lg0f{o ePadf]lhd x'g]5 .
3. Jofh cg'bfg k|fKt gePsf] cj:yfdf ;d]t Jofh a'emfpg] sa'lnotgfdf u|fxsaf6 lng' kg]{5 .
4. kl/of]hgfsf] k|ultsf] cfwf/df ;f]sf] d"Nof+sg ub}{ hfg ;lsg]5 . o; ;DaGwL cGo Joj:yf sfo{ljlwsf]
bkmf -%(_ adf]lhd x'g]5 .

82 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

^= s[lif oGq v/Lb shf{ Agro Tools Purchase Loan
sfof{nosf] sfo{If]qleq 3/ eO{ :yfoL?kdf a;f]jf; u/]sf] shf{ kfpgof]Uo g]kfnL gful/s,
shf{ u|fxs ;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L
kmd{÷;+:yf÷sDkgL .
shf{sf] k|of]hg JolQmut jf Joj;flos s[lif sfo{sf nflu s[lif tyf l;+rfO{ oGqx? v/Lb ug{sf nflu .
s[lif oGqsf] y|];/, 6«ofS6/, kfj/ 6]n/, sDafO08 xfe]{:6/, KnfG6/, l;+rfO{ pks/0f, kDk;]6, af]l/Ë,
lsl;d :ofnf] 6\o'j]n tyf cGo cfw'lgs s[lif oGq .
shf{sf] cflwsfl/s l8n/÷;Knfo;{af6 a|f08 / df]8]n gDa/ pNn]v ePsf] s[lif oGqsf] ;Ssn
clwstd ;Ldf Proforma Invoice jf sf]6]zg d"Nosf] clwstd &) k|ltzt;Dd .
shf{sf] cjlw clwstd % jif{;Dd .
shf{ gjLs/0f gjLs/0f ug{ g;lsg]
shf{sf] ls:tf
dfl;s÷q}dfl;s÷cw{jflif{s÷
e'QmfgL
shf{sf] k|s[lt Non Revolving k|s[ltsf] x'g] .
shf{ k|bfg ug]{
u|fxssf] jflif{s cfo / dfl;s ls:tf ltg{;Sg] Ifdtf .
cfwf/
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds v/Lb x'g] s[lif oGq / 3/÷hUuf tyf cGo
;'/If0f ;xfos JolQmut hdfgt
lwtf] ;'/If0fsf] s_ s[lif oGq ;fwgsf] v/Lb d"No a/fa/sf] a}+s a]lglkml;o/L x'g] u/L aLdf lgoldt x'g' kg]{5 .
aLdf v_ 3/ ;d]t lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
s_ g]kfn ;/sf/sf] ;DalGwt lgsfodf btf{ x'g] s[lif oGqx?df æs[lif ljsf; a}+s ln=af6
shf{sf] cg'udg ljQLo ;xof]u k|fKtÆ egL pNn]v ePgePsf] cg'udg ug'{ kg]{5 .
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
yk Joj:yfM
1. of] shf{ k|bfg ug{'cl3 ;DalGwt cflwsfl/s l8n/÷;Knfo;{nfO{ lbO{ vl/b x'g] s[lif oGq a}+ssf] gfddf
gfd;f/L / a}+s a]lglkml;o/L x'g] u/L aLdf eO{ cfP kZrft\ dfq l8n/÷;Knfo;{nfO{ o; a}+sdf /x]sf]
lghsf] vftfdf shf{ /sd hDdf ug'{ kg]{5 jf lghnfO{ r]s dfkm{t\ e'QmfgL lbg' kg]{5 . sf] gd"gf cg';"rL -
@&=#_ / a}+ssf] gfddf gfd;f/Lsf nflu oftfoft sfof{nonfO{ n]lvg] kqsf] gd"gf cg';"rL -@&=$_
adf]lhd x'g]5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 83

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

2. g]kfn ;/sf/sf] ;DalGwt lgsfodf btf{ x'g] s[lif oGqx?df æs[lif ljsf; a}+s ln=af6 ljQLo ;xof]u k|fKtÆ
egL pNn]v ug'{ kg]{5 .
3. JolQmut shf{ u|fxsnfO{ o; zLif{sdf clwstd ?=@) nfv;Dd shf{ :jLs[t ug{ ;lsg]5 .
4. o; zLif{sdf :jLs[t ePsf] shf{sf] ;Ldf, n=/=/= -nufgL /xL/x]sf] /sd_ / shf{sf] cj:yfsf] ;DaGwdf
dfl;s?kdf If]qLo sfof{nonfO{ l/kf]l6Ë ug'{ kg]{5 .

84 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[&= ….]195

195ldlt @)&^.!!.!@ ut]sf] k|d'v sfo{sf/L clws[t :t/sf] lg0f{oaf6 o'jf s[lif shf{ ;DjGwL k|f]8S6 vf/]h eO{ ;fljs o; k|f]8S6 cGtu{t k|jfx ePsf] shf{
cg';'rL !=$) ;x'lnotk"0f{ shf{ k|f]8S6 cg';f/ x'g] ul/ ;+;f]wg ePsf] . ;fljs Joj:yf M
&= o'jf s[lif shf{ Yuba Krishi Karja
shf{ zLif{s o; shf{nfO{ æJoj;flos s[lif tyf kz'kG5L shf{Æ sf] gfdn] ;d]t lrlgg]5 .
sfof{nosf] sfo{ If]qleq 3/ eO{ :yfoL?kdf a;f]jf; u/]sf] shf{ kfpgof]Uo g]kfnL gful/s jf ;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f
shf{ u|fxs ePsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L kmd{÷;+:yf÷sDkgL .
s_ t/sf/L÷ljp ljhg÷kmnkm'n÷ b'Uw÷dT:okfng÷Rofp÷hl8a'6L÷hf}÷ kmfk/÷l;nfdsf] pTkfbg, k|zf]wg tyf e08f/0f /
ljqmL ljt/0f ug{sf] nflu .
v_ k'ik Joj;fo, kz'k+IfLkfng÷cli6«r÷6sL{ / xfF;kfng, ;f]sf] df;' tyf c08fFsf] e08f/0f tyf k|;f]wg / ljqmL ljt/0f ug{sf] nflu .
u_ kz' awzfnf Pj+ df;'hGo pTkfbg Joj;fo, ;f]sf] e08f/0f tyf k|;f]wg / ljqmL ljt/0f ug{sf] nflu .
3_ pv', slkm, lrof, cn}rL, cb'jf, j];f/, h}t'g, ;"o{d'lv, cNnf] pTkfbg, nf]Stf v]tL / To;sf] e08f/0f tyf k|;f]wg / ljqmL ljt/0f ug{sf]
shf{sf] k|of]hg
nflu .
ª_ df}/Lkfng Joj;fosf] nflu .
r_ g]kfn ;/sf/n] ;do;dodf yk u/]sf cGo s[lif Joj;fox?sf] nflu .
clwstd shf{ ?= & s/f]8;Dd .
;Ldf -gf]6M t/ k|lt u|fxs ?=% s/f]8eGbf a9Lsf] xsdf s]Gb|Lo ;dGjo tyf cg'udg ;ldltaf6
;d]t :jLs[lt lng' kg]{5 ._
shf{sf] k|s[lt rfn' k'FhL Revolving k|s[ltsf] x'g] .
l:y/ k'FhL Non Revolving k|s[ltsf] x'g] .
rfn' k'FhL clwstd ! jif{, -Go"gtd # dlxgf_
shf{sf] cjlw clwstd % jif{
l:y/ k'FhL -gf]6M ljz]if k|s[ltsf] kl/of]hgfsf] xsdfs]Gb|Lo ;dGjo tyf cg'udg;ldltn] cfjZostftyfcf}ltTotfx]/La9Ldf@jif{;Dde'QmfgL
cjlwykug{;Sg]5._
shf{ gjLs/0f rfn' k'FhL gjLs/0f ug{ ;lsg]
l:y/ k'FhL gjLs/0f ug{ g;lsg]
shf{sf] ls:tf l:y/ k'FhL cw{jflif{s÷jflif{s
e'QmfgL
rfn' k'FhL u|fxssf] Joj;flos sfo{ of]hgf cg';f/ kl/of]hgf ;+rfngsf] nflu cfjZos kg]{ rfn' k'FhL /sdsf] clwstd *)
shf{ k|bfg ug]{ k|ltzt;Dd .
cfwf/ u|fxssf] Joj;flos sfo{ of]hgf cg';f/ kl/of]hgfsf]
l:y/ k'FhL :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos kg]{ l:y/ k'FhL /sdsf] clwstd &) k|ltzt;Dd .
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg' kg]{5 .
-gf]6M g]kfn /fi6« a}+ssf] k|rlnt lgb]{zg adf]lhd Jofhb/df cg'bfg k|bfg x'g;Sg] ._
;]jf z'Ns tyf cGo z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
lwtf] k|fylds lgdf{0f x'g] kl/of]hgf / 3/÷hUuf tyf cGo
;'/If0f ;xfos JolQmut hdfgt
s_ 3/ lwtf] ePdf s'n d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
aLdf v_ kz'k+IfLsf] a}+s a]lglkml;o/L x'g] u/L aLdf ug'{ kg]{5 .
s_ kl/of]hgf ;'rf??kdf ;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 . v_ shf{sf zt{x?sf] kfngf eP÷gePsf]
cg'udg ug'{ kg]{5 .
shf{sf] cg'udg u_ shf{sf] ls:tf k|bfg ubf{ lgdf{0f ePsf] cj:yf / ;f]df ePsf] vr{nfO{ cfwf/ dfGg'kg]{5 . vr{ ePsf] cflwsfl/s ;Ssn ljn, ltg{'kg]{ lx;fa
vftfsf] PsLg ug'{ kg]{5 .
3_ q}dfl;s ?kdf :6ssf] ljj/0f, cjlw cg';f/sf] cf;fdL vftfsf] ljj/0f / ltg{'kg]{
lx;fjsf] ljj/0f lnO{ ldl;ndf cBfjlws ug'{ kg]{5 .
yk Joj:yfM
1. Jofh cg'bfgsf] ;DaGwdf g]kfn ;/sf/af6 ;do;dodf lg0f{o ePadf]lhd / g]kfn /fi6« a}+saf6 hf/L æJoj;flos s[lif tyf kz'kG5L shf{df k|bfg ul/g] Jofh cg'bfg
;DaGwL sfo{ljlw @)&#Æ df pNn]v eP adf]lhd x'g]5 .
2. cg'bfg ;f]wegf{sf nflu tf]s] adf]lhdsf] 9fFrfdf ljj/0f e/L q}dfl;s ?kdf If]qLo sfof{no dfkm{t\ ljQ
tyf n]vf ljefudf k7fpg' kg]{5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 85

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

*= o'jf :j/f]huf/ shf{ Yuba Swarojgar Karja
sfof{nosf] sfo{If]qleq 3/ eO{ :yfoL?kdf a;f]jf; u/]sf] shf{ kfpgof]Uo g]kfnL
shf{ u|fxs gful/s jf ;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut
kmd{÷;fem]bf/L kmd{÷;+:yf÷sDkgL .
u|fxssf] pd]/ !* jif{b]lv %) jif{;Dd
k/Dk/fut zLk -s[lif Joj;fo, Jofkf/ tyf k}lqs zLk_ afx]s cGo zLkx? xfl;n u/]sf]
shf{sf] k|of]hg
k|df0fkq lnPsf JolQm, ;d'x / ;+:yfnfO{ pgLx?sf] pBdlzntfdf clea[l4 ug{ .
rfn' k'FhL Revolving k|s[ltsf] x'g] .
shf{sf] k|s[lt
l:y/ k'FhL Non Revolving k|s[ltsf] x'g] .
rfn' k'FhL clwstd ! jif{
shf{sf] cjlw /
ls:tf clwstd % jif{ -cw{jflif{s÷jflif{s_, u|]; cjlw a9Ldf ^ dlxgfsf]
l:y/ k'FhL
x'g] .
shf{sf] ls:tf
l:y/ k'FhL cw{jflif{s÷jflif{s
e'QmfgL
rfn' k'FhL gjLs/0f ug{ ;lsg]
shf{ gjLs/0f
l:y/ k'FhL gjLs/0f ug{ g;lsg]
JolQmut shf{tkm{ ?=@ nfv;Dd
shf{sf]
;fd'lxs shf{tkm{ ?=@) nfv;Dd
clwstd ;Ldf
;+:yfut shf{tkm{ ?=%) nfv;Dd
u|fxssf] Joj;flos sfo{ of]hgf cg';f/ kl/of]hgf ;+rfngsf] nflu
rfn' k'FhL
cfjZos kg]{ rfn' k'FhL /sdsf] clwstd *) k|ltzt;Dd .
shf{ k|bfg ug]{
cfwf/ u|fxssf] Joj;flos sfo{ of]hgf cg';f/ kl/of]hgfsf]
l:y/ k'FhL :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos kg]{ l:y/ k'FhL /sdsf]
clwstd &) k|ltzt;Dd .
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
3/÷hUuf tyf cGo .
lwtf] k|fylds -crn ;DklQ lwtf] lagf ;d]t of] shf{ nufgL x'g ;Sg]5 ._
;'/If0f
;xfos JolQmut hdfgt
s_ 3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g'kg]{ .
aLdf
v_ shf{sf] aLdf x'g' kg]{5 .

86 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

s_ kl/of]hgf ;'rf??kdf ;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 .
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
u_ ls:tf k|bfg ubf{ lgdf{0f ePsf] cj:yf / ;f]df ePsf] vr{nfO{ cfwf/ dfGg'kg]{5 . vr{
shf{sf] cg'udg
ePsf] cflwsf/Ls ;Ssn ljn, ltg{'kg]{ lx;fa vftfsf] Plsg ug'{ kg]{5 .
3_ q}dfl;s ?kdf :6ssf] ljj/0f, cjlw cg';f/sf] cf;fdL vftfsf] ljj/0f, ltg{k' g]{
lx;fjsf] ljj/0f lnO{ clgjfo{?kdf ldl;ndf cBfjlws ug'{ kg]{5 .
yk Joj:yfM
1. Jofh cg'bfgsf nflu z'?df ;a} Jofh /sd c;"n u/L u|fxsnfO{ ^) k|ltzt Jofh cg'bfg lbg' kg]{5 .
2. Jofh cg'bfgsf] nflu tf]lsPcg';f/sf] kmf/fd e/L If]qLo sfof{nodf k7fpg' kg]{5 .
3. cGo lgod tyf k|lqmofx? k|rlnt :j/f]huf/ shf{ ;+rfng lgb]{lzsf cg';f/ x'g]5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 87

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

(= yf]s shf{ Wholesale Lending [
shf{ u|fxs g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yf jf ;xsf/L P]g
adf]lhd btf{ ePsf ax'p4]ZoLo ;xsf/L ;+:yf jf art kl/rfng tyf shf{
sf/f]jf/ ug]{ ;xsf/L ;+:yf .
shf{ k||of]hg ljkGg jf Go"g cfo ePsf cfˆgf] ;+:yfsf ;b:ox?sf] cfo:t/ tyf /f]huf/
a[l4 ug{ shf{ pknAw u/fpg] sfo{sf] nflu jf ljQLo ;+:yf jf cGo ;+3;+:yf
dfkm{t g]kfn /fi6« a}+sn] tf]s] adf]lhd ljkGg au{df shf{ nufgL ug{sf nflu .
shf{sf] k|sl[ t cfjlws tyf Revolving k|s[ltsf] x'g5 ] .
shf{sf] cjlw cfjlws k|s[ltsf] clwstd !) jif{ .
Revolving k|s[ltsf] clwstd ! jif{ .
shf{ gjLs/0f cfjlws k|s[ltsf] shf{ gjLs/0f ug{ gldNg] .
Revolving k|s[ltsf] shf{ gjLs/0f ug{ ;lsg] .
shf{ u|fxs shf{sf] clwstd ;Ldf
shf{sf] clwstd g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfhtkqk|fKt ?=! cj{;Dd
;Ldf ljQLo ;+:yf
ax'p4]ZoLo ;xsf/L÷art tyf C0f ;xsf/L ;+:yf ?=@) s/f]8;Dd
shf{ k|bfg ug]{ ;DalGwt u|fxsn] k]z u/]sf] shf{÷Joj;fo k|:tfjsf] cfwf/df clwstd *)
cfwf/ k|ltzt;Dd .
Jofhb/ / a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s
e'QmfgL ?kdf a'emfpg' kg]{5 .
cfjlws shf{sf] dfl;s÷q}dfl;s÷cw{ jflif{s÷jflif{s÷EMI
ls:tf /sd
e'QmfgL
;]jf z'Ns tyf a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g' cl3
cGo z'Ns a'emfpg' kg]{5 .
k|fylds g]kfn /fi6« a}+saf6 O{hfht k|fKt æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yfsf]
xsdf ;+:yfsf] ;+:yfut hdfgL tyf jx'p4]ZfLo ;xsf/L ;+:yf / art tyf
lwtf] C0f ;xsf/L ;+:yfsf] xsdf a}+snfO{ :jLsf/ of]Uo 3/hUuf .
;'/If0f
;xfos jx'p4]ZfLo ;xsf/L ;+:yf / art tyf C0f ;xsf/L ;+:yfsf] xsdf ;j}
;+rfnssf] JolQmut hdfgt .
lwtf] ;'/If0fsf] 3/ lwtf] ePdf d'Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{?kdf
aLdf u/fpg' kg]{5 .
shf{sf] cg'udg s_ shf{ :jLs[t k|:tfj cg';f/ shf{ k|jfx eP÷gePsf] x]g{' kg]{5 .
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{' kg]{5 .
u_ shf{ u|fxsn] cfkm'n] ljkGg ju{df u/]sf] shf{ nufgLsf] gfd gfd]l;
;lxtsf] ljj/0f a}+snfO{ lnlvt hfgsf/L u/fO{ ;f]sf] ljj/0f g]kfn /fi6«
a}+sdf ;d]t ^–^ dlxgfdf k7fpg' kg]{5 . ;f]sf] o; a}+saf6 ;d]t lgoldt
cg'udg ug'{kg]{5 .
yk Joj:yfM
1. g]kfn ;/sf/sf] k"0f{ jf cf+lzs :jfldTj ePsf ;+:yfsf] xsdf o; k|f]8\S6 k]k/df pNn]v
ePsf] shf{ ;Ldf eGbf a9L shf{ /sd ;d]t a}+ssf] ;+rfns ;ldltn] :jLs[t ug{ ;Sg]5 .
2. ;+:yfsf] :yfkgf jf ljsf;÷lj:tf/ ug{ jf ;+:yfnfO{ cfjZos kg]{ :yfoL ;DklQ vl/b

88 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

ug{sf] nflu yf]s shf{ k|jfx ul/g] 5}g .
3. o; a}+s;Fu yf]s shf{ dfu ug]{ ;+:yf;Fu shf{ dfu ug]{ ;+:yfsf ;b:ox?sf] lj:t[t ljj/0f
clgjfo{ ?kdf shf{ cfj]bg kmf/fd;fy k]z ug{' kg]{5 . shf{ ljZn]ifsn] ;f]xL ljj/0fsf]
cfwf/df shf{ ljZn]if0f ug{' kg]{5 . ;+:yfsf ;b:ox?sf] s'n shf{ dfu /sdsf] clwstd
*) k|ltzt;Dd shf{ k|jfx ug{ ;lsg]5 .
4. yf]s shf{ k|bfg ubf{ b]xfo jdf]lhdsf] x'g' kg]{5 .
s= yf]s shf{ dfu ug]{ ;+:yfsf] k|aGwkq÷lgodfjnL÷ljlgoddf æg]kfn /fi6« a}+ssf]
lgb]{zg÷;xsf/L P]g adf]lhd a}+sx?af6 yf]s shf{ lnO{ ljkGg ju{df shf{ nufgL
ug]{Æ eGg] Joxf]/f pNn]v ePsf] x'g' kg]{5 .
v= o; a}+saf6 lnOPsf] yf]s shf{ ul/jLsf] /]vfd'lg /x]sf ljkGg jf Go'g cfo ePsf
hgtfsf] cfo tyf /f]huf/ a9fpgsf nflu g]kfn /fi6« a}+sn] ;do ;dodf tf]s]
cg';f/sf] ;Ldfleq /xL shf{ k|jfx ug{' kg]{5 .
u= ufFpkflnsf / gu/kflnsfdf :yfkgf ePsf ax'p4]ZoLo ;xsf/L ;+:yf / art tyf
C0f ;xsf/L ;+:yfx?nfO{ yf]s shf{ k|jfx ug{ ;lsg] 5 .
3= pk–dxfgu/kflnsf jf dxfgu/kflnsfsf] u|fld0f If]qdf :yfkgf ePsf ax'p4]ZoLo
;xsf/L ;+:yf / art tyf C0f ;xsf/L ;+:yfnfO{ dfq yf]s shf{ k|jfx ug{ ;lsg]
5.
5. shf{ cfj]bs ;+:yfsf] b]xfo cg';f/sf] ljQLo ;Ifdtf x'g' kg]{5 .
s= ;+:yf nuftf/ @ jif{b]lv gfkmfdf ;+rfng ePsf] x'g' kg]{5 .
v= kl5Nnf] cfly{s jif{sf] Net Worth Positive x'g'kg]{5 .
u= g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yfsf] xsdf tf]lsP adf]lhd
k"FhL sf]if sfod ePsf] x'g' kg]{5 .
3= ;+:yfsf] jflif{s ;fwf/0f;ef lgoldt ePsf] x'g' kg]{5 .
ª= ;+:yfsf] r'Qmf k"h F L, hu]8fsf]if, lgIf]k, nufgLdf /lx/x]sf] shf{ /sd / u'0f:t/,
;~rfng d'gfkmf / jf;nftsf] cfsf/ ;d]t ljZn]if0f u/L dfu jdf]lhd shf{ nufgL
ug{ plrt eP gePsf] lj:t[t ljZn]if0f u/L shf{ :jLs[t ug'{kg]{5 .
r= ;fy} cfjZostf cg';f/ ;+:yfsf] yk ljQLo ljZn]if0f ug{ ;lsg] 5 .
6. g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yfnfO{ ;+:yfsf] ;+:yfut hdfgt
tyf yf]s shf{ lng] ;DaGwL ;+rfns ;ldltsf] lg0f{o lng' kg]{5 .
7. ax'p4]ZoLo ;xsf/L ;+:yf / art tyf C0f ;xsf/L ;+:yfx?sf] xsdf yf]s shf{ k|jfx
ubf{ shf{nfO{ vfDg] a}+snfO{ :jLsf/ of]Uo 3/ tyf hUuf lwtf] lng' kg]{5 . ;fy} ;j}
;+rfnsx?sf] JolQmut hdfgt ;d]t clgjfo{?kdf lng'kg]{5 .
8. shf{ sfo{ljlwn] tf]s]sf sfuhft afx]s shf{ cfj]bsaf6 b]xfo adf]lhdsf yk sfuhftx?
lng' kg]{5 .
s= ljut b]lv g} ;+rfngdf cfPsf ;+:yfsf] xsdf dfq ;fwf/0f ;efaf6 kfl/t ePsf]
slDtdf ljut b'O{ cfly{s jif{sf] jflif{s k|ltj]bg .
v= ;+:yfsf] ;+rfns ;ldlt / Joj:yfkg ;d'xsf] lj:t[t ljj/0f .
u= ;+:yfsf] Go"gtd % jif{sf] /0fgLlts Joj;flos of]hgf .
3= rfn' cfly{s jif{sf] shf{ dfu u/]sf] cjlwsf] cl3Nnf] q}df;;Ddsf] ljQLo
ljj/0f .
ª= cGo cfjZos sfuhftsf] xsdf k|rlnt shf{ sfo{ljlwn] tf]s] adf]lhd sfuhftx? .
9. g]kfn /fi6« a}+sjf6 æ3Æ ju{sf] Ohfhtkq k|fKt ljQLo ;+:yf÷g]kfn ;/sf/sf] k"0f{ jf
cf+lzs :jfldTj ePsf] ;+:yf÷o; a}+ssf] ;d]t z]o/ :jfldTj ePsf] ;+:yfx?nfO{ yf]s shf{

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 89

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

:jLs[ltsf nflu cfjZos kg]{ k|s[of skf]{/]6 a}+lsË sfof{no dfkm{t x'g]5 . ;xsf/L P]g
adf]lhd btf{ ePsf ax'p4]ZoLo ;xsf/L ;+:yf / art tyf C0f ;xsf/L ;+:yfnfO{ yf]s
shf{ k|jfx ubf{ a}+ssf cGo shf{ u|fxs ;/x g} cfˆgf] clwsf/ ;Ldf leq /xL ;DjlGwt
sfof{no÷txjf6 yf]s shf{ nufgLsf nflu cfjZos k|s[of z'? ug'{ kg]{5 .

] 196

ldlt @)&&.!).#) sf] k|d'v sfo{sf/L clws[t :t/sf] lg0f{oaf6 ;+;f]wg x'g' cl3sf] Joj:yf
g]kfn /fi6« a}+saf6 ævÆ, æuÆ / æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yf jf ;Lldt a}+lsË sf/f]af/ ug{ g]kfn /fi6« a}+saf6 :jLs[lt k|fKt ;+:yf jf ljifout ;xsf/L ;+3;+:yf jf g]kfn ;/sf/sf] ;DalGwt
shf{ u|fxs
lgsfodf btf{ ePsf cflwsfl/s ;d'x [,shf{ kfpg of]Uo ;+3 ;+:yf] 197 .
shf{ k||of]hg ljkGg jf Go"g cfo ePsf cfˆgf] ;+:yfsf ;b:ox?sf] cfo:t/ tyf /f]huf/ a[l4sf nflu ljQLo ;+:yf jf cGo ;+3;+:yf dfkm{t\ shf{ pknAw u/fpg] sfo{sf] nflu .
shf{sf] cjlw clwstd ! jif{ shf{ Revolving k|s[ltsf] x'g] .
shf{ gjLs/0f gjLs/0f ug{ ;lsg]
shf{ u|fxs shf{sf] clwstd ;Ldf
g]kfn /fi6« a}+saf6 ævÆ, æuÆ / æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yf [?=@% s/f]8;Dd
;Lldt a}+lsË sf/f]af/ ug{ g]kfn /fi6« a}+saf6
?=!) s/f]8;Dd
:jLs[lt k|fKt ;+:yf
ljifout jf ax'p4]ZoLo ;xsf/L ;+3;+:yf ?=!) s/f]8;Dd] 198
shf{sf] clwstd ;Ldf g]kfn ;/sf/sf] ;DalGwt lgsfodf btf{
?=%) nfv;Dd
ePsf cflwsfl/s ;d'x
shf{ k|bfg ug]{ cfwf/ ;DalGwt u|fxsn] k]z u/]sf] shf{÷Joj;fo k|:tfjsf] cfwf/df clwstd *) k|ltzt;Dd .
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg' kg]{5 .
;]jf z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
k|fyld [g]kfn /fi6« a}+saf6 O{hfhtkq k|fKt ævÆ, æuÆ / æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yfsf] xsdf ;+:yfsf] ;+:yfut hdfgL / ljifout [jf]199 ax'p4]ZoLo ;xsf/L Pj+ [;d"x÷]200
lwtf] s ;+3;+:yfx?sf] xsdf 3/hUuf÷;/sf/L jf cGo s'g} lgsfoaf6 k|fKt ePsf] sf]if÷C0f k'FhL sf]if]201
;'/If0f
;xfos [[g]kfn ;/sf/sf] k"0f{ jf cf+lzs :jfldTj ePsf ;+:yf / o; a}+ssf] ;d]t z]o/ :jfldTj ePsf ;+:yfx? afx]ssf cGo ;+:yfsf xsdf ;a} ;+rfnssf]] JolQmut hdfgt ] 202 ] 203
lwtf] ;'/If0fsf] aLdf 3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
shf{sf] cg'udg s_ shf{ :jLs[t k|:tfj cg';f/ shf{ k|jfx eP÷gePsf] x]g{' kg]{5 .
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{' kg]{5 .
u_ shf{ u|fxsn] cfkm'n] ljkGg ju{df u/]sf] shf{ nufgLsf] gfd gfd]l; ;lxtsf] ljj/0f a}+snfO{ lnlvt hfgsf/L u/fO{ ;f]sf] ljj/0f g]kfn /fi6« a}+sdf ;d]t ^–^ dlxgfdf k7fpg' kg]{5 . ;f]sf] o; a}+saf6 ;d]t
lgoldt cg'udg ug{' kg]{5 .
[* yk Joj:yfM
!= g]kfn ;/sf/sf] k"0f{ jf cf+lzs :jfldTj ePsf ;+:yf / o; a}+ssf] ;d]t z]o/ :jfldTj /x]sf] ljQLo ;+:yfsf] xsdf a}+sn] ;do ;dodf tf]s] adf]lhd shf{sf] clwstd ;Ldf x'g]5 .
@= ;+:yfsf] :yfkgf jf ljsf;÷lj:tf/ ug{ jf ;+:yfnfO{ cfjZos kg]{ :yfoL ;DklQ vl/b ug{sf] nflu yf]s shf{ k|jfx ul/g] 5}g . t/ ljifout jf ax'p4]ZoLo ;xsf/L ;+3;+:yfnfO{ g]kfn /fi6« a}+sn]
tf]s] jdf]lhdsf kl/of]hgf ;+rfng ug{ tf]lsPsf] l;df;Dd shf{ k|jfx ug{ ;lsg]5 .
#= a}+ssf] shf{ cfj]bsaf6 shf{ dfu ug]{ ;+:yfsf ;b:ox?sf] shf{ dfu ;DaGwL lj:t[t ljj/0f clgjfo{ ?kdf shf{ cfj]bg kmf/fd;fy k]z ug{' kg]{5 . shf{ ljZn]ifsn] ;f]xL ljj/0fsf] cfwf/df shf{
ljZn]if0f ug{' kg]{5 . ;+:yfsf ;b:ox?sf] s'n shf{ dfu /sdsf] clwstd *) k|ltzt;Dd shf{ k|jfx ug{ ;lsg]5 .
$= lghL nufgLstf{ jf ;xsf/L P]g cGtu{t btf{ eO{ ;+rfngdf /x]sf jrt tyf C0f ;xsf/L ;+3;+:yf jf ;fgf ls;fg ;xsf/L ;+3;+:yfx?nfO{ yf]s shf{ k|jfx ul/g] 5}g .

196 ldlt @)&&.!).#) sf] k|d'v sfo{sf/L clws[t :t/sf] lg0f{oaf6 ;flas k|f]8S6 k]k/ kltZyflkt
197 ;+rfns ;ldltsf] ldlt @)&%.!@.)# sf] a}7s g+= &$# sf] lg0f{o adf]lhd yk ePsf]
198 ;+rfns ;ldltsf] ldlt @)&%.!@.)# sf] a}7s g+= &$# sf] lg0f{o adf]lhd b]xfosf] Joj:yf k|ltZyflkt ePsf] M
shf{ u|fxs shf{sf] clwstd ;Ldf
g]kfn /fi6« a}+saf6 ævÆ, æuÆ / æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yf ?=!) s/f]8;Dd
;Lldt a}+lsË sf/f]af/ ug{ g]kfn /fi6« a}+saf6
shf{sf] clwstd ;Ldf ?=@ s/f]8;Dd
:jLs[lt k|fKt ;+:yf
ljifout jf ax'p4]ZoLo ;xsf/L ;+3;+:yf ?=! s/f]8;Dd

199 ;+rfns ;ldltsf] ldlt @)&%.!@.@) sf] a}7s g+= &$( sf] lg0f{o adf]lhd ætyfÆ zJb k|ltZyflkt
200 ;+rfns ;ldltsf] ldlt @)&%.!@.@) sf] a}7s g+= &$( sf] lg0f{o adf]lhd yk
201
;+rfns ;ldltsf] ldlt @)&%.!@.)# sf] a}7s g+= &$# sf] lg0f{o adf]lhd æ 3/hUuf÷;/sf/L jf cGo s'g} lgsfoaf6 k|fKt ePsf] sf]if÷C0f k'FhL sf]if Æ eGg]
Joj:yf k|lt:yfkg eO{ æg]kfn /fi6« a}+saf6 O{hfhtkq k|fKt ævÆ, æuÆ / æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yfsf] xsdf ;+:yfsf] ;+:yfut hdfgL
/ ljifout jf ax'p4]ZoLo ;xsf/L Pj+ ;+3;+:yfx?sf] xsdf 3/hUuf÷;/sf/L jf cGo s'g} lgsfoaf6 k|fKt ePsf] sf]if÷C0f k'FhL sf]ifÆ ePsf]
202 ;+rfns ;ldltsf] ldlt @)&%.!@.)# sf] a}7s g+= &$# sf] lg0f{o adf]lhd æ ;+:yfut hdfgt tyf ;+rfnssf] JolQmut hdfgt Æ eGg] Joj:yfnfO{ æ;+:yfsf

;a} ;+rfnssf] JolQmut hdfgt Æ n] k|lt:yfkg ePsf]

203
;+rfns ;ldltsf] ldlt @)&%.!@.@) sf] a}7s g+= &$( sf] lg0f{o adf]lhd æ;+:yfsf ;a} ;+rfnssf] JolQmut hdfgt Æ eGg] Joj:yf k|lt:yfkg ePsf]

90 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

%= a}+saf6 yf]s shf{ lnO{ cfˆgf] ;+:yfsf] ;b:ox?nfO{ u|fld0f tyf ljkGg ju{df dfq shf{ k|jfx x'g] u/L tyf g]kfn /fi6« a}+sn] ;do ;dodf tf]s] cg';f/sf]] ;Ldfleq /xL shf{ k|jfx ug{' kg]{5 .
^= shf{ u|fxssf] cfˆgf] k|aGwkq÷lgodfjnL÷ljwfgdf æg]kfn /fi6« a}+ssf] lgb]{zg adf]lhd a}+sx?af6 yf]s shf{ lnO{ ljkGg ju{df shf{ nufgL ug]{Æ eGg] Joxf]/f pNn]v ePsf] x'g' kg]{5 .
&= shf{ u|fxssf] ljQLo ;Ifdtf /fd|f] eO{ ;+:yf nuftf/ @ jif{b]lv gfkmfdf ;+rfng ePsf] x'g' kg]{5 .
*= g]kfn /fi6« a}+saf6 O{hfhtkq k|fKt =ævÆ, æuÆ / æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yfnfO{ ;+:yfsf] ;+:yfut hdfgt tyf ;+rfnsx?sf] JolQmut hdfgtdf k|jfx x'g] shf{df ;d]t a}+sn]
cfjZos 7fg]df yk lwtf] :j?k ;+:yf jf ;+rfnsx?sf] rn crn ;DklQ -hUuf / 3/_ lwtf]sf] ?kdf dfu ug{ ;lsg]5 .
(= ;+rfnsx?sf] JolQmut hdfgtsf] xsdf ;a} ;+rfnsx?sf] JolQmut hdfgt lng' kg]{5 . t/ g]kfn ;/sf/sf] k"0f{ jf cf+lzs :jfldTj ePsf ;+:yf / o; a}+ssf] ;d]t z]o/ :jfldTj ePsf
;+:yfx?sf] xsdf ;+rfnssf] JolQmut hdfgt lng'kg]{ 5}g .
!)= g]kfn /fi6« a}+saf6 ævÆ, æuÆ / æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yf÷g]kfn ;/sf/sf] k"0f{ jf cf+lzs :jfldTj ePsf] ;+:yf÷o; a}+ssf] ;d]t z]o/ :jfldTj ePsf ;+:yfx?nfO{ yf]s shf{
:jLs[ltsf] nflu cfjZos kg]{ k|lqmof skf]{/]6 a}+lsË sfof{no dfkm{t\ x'g]5 . cGo u|fxsnfO{ yf]s shf{ k|jfx ubf{ a}+ssf cGo shf{ u|fxs;/x g} cfˆgf] clwsf/ ;Ldfleq /xL ;DalGwt
sfof{no÷txaf6 cfjZos k|lqmof z'? ug{' kg]{5 .]*

*[ yk Joj:yfdf ;do ;dodf ePsf ;+;f]wgx? M

@)&%.)@.!# n] lg0f{on] u/]sf] yk Joj:yfM

!= o; a}+ssf] ;d]t z]o/ :jfldTj /x]sf] ljQLo ;+:yfsf] xsdf a}+sn] ;do ;dodf tf]s] adf]lhd shf{sf] clwstd ;Ldf x'g]5 . cGo ljQLo ;+:yfsf] xsdf dfly tf]lsPsf] ;Ldf;Dd pQm ljQLo ;+:yfsf] s'n k|fylds
k'FhLsf] clwstd %) k|ltzt;Dddfq shf{ k|jfx ug{ ;lsg]5 .
2. ;+:yfsf] :yfkgf jf ljsf;÷lj:tf/ ug{ jf ;+:yfnfO{ cfjZos kg]{ :yfoL ;DklQ vl/b ug{sf] nflu yf]s shf{ k|jfx ul/g] 5}g .
3. a}+ssf] shf{ cfj]bsaf6 shf{ dfu ug]{ ;+:yfsf ;b:ox?sf] shf{ dfu ;DaGwL lj:t[t ljj/0f clgjfo{ ?kdf shf{ cfj]bg kmf/fd;fy k]z ug{' kg]{5 . shf{ ljZn]ifsn] ;f]xL ljj/0fsf] cfwf/df shf{ ljZn]if0f ug{'
kg]{5 . ;+:yfsf ;b:ox?sf] s'n shf{ dfu /sdsf] clwstd *) k|ltzt;Dd shf{ k|jfx ug{ ;lsg]5 .
4. lghL nufgLstf{ jf ;xsf/L P]g cGtu{t btf{ eO{ ;+rfngdf /x]sf jrt tyf C0f ;xsf/L ;+3;+:yf jf ;fgf ls;fg ;xsf/L ;+3;+:yfx?nfO{ yf]s shf{ k|jfx ul/g] 5}g .
5. a}+saf6 yf]s shf{ lnO{ cfˆgf] ;+:yfsf] ;b:ox?nfO{ u|fld0f tyf ljkGg ju{dfdfq shf{ k|jfx x'g] u/L tf]lsPsf] ;Ldfleq /xL shf{ k|jfx ug{' kg]{5 .
6. shf{ u|fxssf] cfˆgf] k|aGwkq÷lgodfjnL÷ljwfgdf æg]kfn /fi6« a}+ssf] lgb]{zg adf]lhd a}+sx?af6 yf]s shf{ lnO{ ljkGg ju{df shf{ nufgL ug]{Æ eGg] Joxf]/f pNn]v ePsf] x'g' kg]{5 .
7. shf{ u|fxssf] ljQLo ;Ifdtf /fd|f] eO{ ;+:yf nuftf/ @ jif{b]lv gfkmfdf ;+rfng ePsf] x'g' kg]{5 .

@)&%.!@.)# n] lg0f{on] u/]sf] yk Joj:yfM

1. o; a}+ssf] ;d]t z]o/ :jfldTj /x]sf] ljQLo ;+:yfsf] xsdf a}+sn] ;do ;dodf tf]s] adf]lhd shf{sf] clwstd ;Ldf x'g]5 .
2. ;+:yfsf] :yfkgf jf ljsf;÷lj:tf/ ug{ jf ;+:yfnfO{ cfjZos kg]{ :yfoL ;DklQ vl/b ug{sf] nflu yf]s shf{ k|jfx ul/g] 5}g . t/ ljifout jf ax'p4]ZoLo ;xsf/L ;+3;+:yfnfO{ g]kfn /fi6« a}+sn] tf]s] jdf]lhdsf
kl/of]hgf ;+rfng ug{ tf]lsPsf] l;df;Dd shf{ k|jfx ug{ ;lsg]5 .
3. a}+ssf] shf{ cfj]bsaf6 shf{ dfu ug]{ ;+:yfsf ;b:ox?sf] shf{ dfu ;DaGwL lj:t[t ljj/0f clgjfo{ ?kdf shf{ cfj]bg kmf/fd;fy k]z ug{' kg]{5 . shf{ ljZn]ifsn] ;f]xL ljj/0fsf] cfwf/df shf{ ljZn]if0f ug{'
kg]{5 . ;+:yfsf ;b:ox?sf] s'n shf{ dfu /sdsf] clwstd *) k|ltzt;Dd shf{ k|jfx ug{ ;lsg]5 .
4. lghL nufgLstf{ jf ;xsf/L P]g cGtu{t btf{ eO{ ;+rfngdf /x]sf jrt tyf C0f ;xsf/L ;+3;+:yf jf ;fgf ls;fg ;xsf/L ;+3;+:yfx?nfO{ yf]s shf{ k|jfx ul/g] 5}g .
5. a}+saf6 yf]s shf{ lnO{ cfˆgf] ;+:yfsf] ;b:ox?nfO{ u|fld0f tyf ljkGg ju{dfdfq shf{ k|jfx x'g] u/L tyf g]kfn /fi6« a}+sn] ;do ;dodf tf]s] cg';f/sf] ;Ldfleq /lx shf{ k|jfx ug'{ kg]{5 .
6. shf{ u|fxssf] cfˆgf] k|aGwkq÷lgodfjnL÷ljwfgdf æg]kfn /fi6« a}+ssf] lgb]{zg adf]lhd a}+sx?af6 yf]s shf{ lnO{ ljkGg ju{df shf{ nufgL ug]{Æ eGg] Joxf]/f pNn]v ePsf] x'g' kg]{5 .
7. shf{ u|fxssf] ljQLo ;Ifdtf /fd|f] eO{ ;+:yf nuftf/ @ jif{bl] v gfkmfdf ;+rfng ePsf] x'g' kg]{5 .
8. ævÆ, æuÆ / æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yfnfO{ ;+:yfsf] ;+:yfut hdfgt tyf ;+rfnsx?sf] JolQmut hdfgtdf k|jfx x'g] shf{df ;d]t a}+sn] cfjZos 7fg]df yk lwtf] :j?k ;+:yf jf ;+rfnsx?sf]
rn crn ;DklQ -hUuf / 3/_ lwtf]sf] ?kdf dfu ug{ ;lsg]5 .
9. ;+rfnsx?sf] JolQmut hdfgtsf] xsdf ;Dk"0f{ ;+rfnsx?sf] JolQmut hdfgt lng' kg]{5 .

;+rfns ;ldltsf] ldlt @)&%.!@.@) sf] a}7s g+= &$( sf] lg0f{o adf]lhd b]xfosf yk Joj:yfdf b]xfojdf]lhd ;+;f]wg ePsf] M
yk Joj:yf g+ ! k|lt:yfkg eO b]xfo adf]lhd ! /x]sf] M
!= g]kfn ;/sf/sf] k"0f{ jf cf+lzs :jfldTj ePsf ;+:yf / o; a}+ssf] ;d]t z]o/ :jfldTj /x]sf] ljQLo ;+:yfsf] xsdf a}+sn] ;do ;dodf tf]s] adf]lhd shf{sf] clwstd ;Ldf x'g]5 .;+:yfsf] :yfkgf jf ljsf;÷lj:tf/ ug{
jf ;+:yfnfO{ cfjZos kg]{ :yfoL ;DklQ vl/b ug{sf] nflu yf]s shf{ k|jfx ul/g] 5}g .
yk Joj:yf g+ ( b]xfo adf]lhd ePsf]M
(= ;+rfnsx?sf] JolQmut hdfgtsf] xsdf ;a} ;+rfnsx?sf] JolQmut hdfgt lng' kg]{5 . t/ g]kfn ;/sf/sf] k"0f{ jf cf+lzs :jfldTj ePsf ;+:yf / o; a}+ssf] ;d]t z]o/ :jfldTj ePsf ;+:yfx?sf] xsdf ;+rfnssf]
JolQmut hdfgt lng'kg]{ 5}g .
yk Joj:yf !) yk ePsf]M
!)= g]kfn /fi6« a}+saf6 Ohfhtkqk|fKt ævÆ, æuÆ / æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yfsf] xsdf yf]s shf{ dfu kmf/d lng], cfjZos sfuhft lnO{ ljZn]if0f tyf l;kmfl/; nufot shf{ k|zf]wg ;DjGwL ;Dk"0f{ sfo{ s[lif
tyf n3'pBd ljefuaf6 x'g]5 . l:js[t ePsf] shf{ skf]{/]6 a}+lsË sfof{no jf cGo sfof{nox?af6 cfj:os dfkm{t\ x'g]5 . cGo u|fxsnfO{ yf]s shf{ k|jfx ubf{ a}+ssf cGo shf{ u|fxs;/x g} cfˆgf] clwsf/ ;Ldfleq /xL
;DalGwt sfof{no÷txaf6 cfjZos k|lqmof z'? ug{' kg]{5 . l:js[t ePsf] shf{ skf]{/]6 a}+lsË sfof{no jf cGo zfvf sfof{nox?af6 cfjZos k|s[of k'/f u/L nufgL x'g]5

k|d'v sfo{sf/L:t/sf] ldlt @)&^.!!.!@ sf] lg0f{oaf6 yk Joj:yf g+ !) ;+;f]wg eO{ b]xfosf] Joj:yf u/]sf]M
!)= g]kfn /fi6« a}+saf6 ævÆ, æuÆ / æ3Æ ju{sf] Ohfhtkqk|fKt ljQLo ;+:yf÷g]kfn ;/sf/sf] k"0f{ jf cf+lzs :jfldTj ePsf] ;+:yf÷o; a}+ssf] ;d]t z]o/ :jfldTj ePsf ;+:yfx?nfO{ yf]s shf{ :jLs[ltsf] nflu cfjZos kg]{
+ sf cGo shf{ u|fxs;/x g} cfˆgf] clwsf/ ;Ldfleq /xL ;DalGwt sfof{no÷txaf6 cfjZos k|lqmof z'? ug{' kg]{5 . ]*
k|lqmof skf]{/]6 a}+lsË sfof{no dfkm{t\ x'g]5 . cGo u|fxsnfO{ yf]s shf{ k|jfx ubf{ a}s

]204

204
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd ;fljs cg';'rL k|ltZyflkt ul/Psf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 91

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

!)= pBf]u shf{ Industry Loan
;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L
shf{ u|fxs
kmd{÷;+:yf÷sDkgL .
s[lif pBf]u -/f;folgs dn, ljiffbL, xdf]{g, bfgf, /fO{; ldn, ˆnf]/ ldn, t]n ldn, s[lif
oGq pTkfbg, vfB tyf k]o kbfy{, 8]/L, df;' k|;f]wg, aLpaLhg k|zf]wg tyf cGo pTkfbg
tyf s[lifdf cfwfl/t cGo k|zf]wg pBf]u_ vlgh÷vfgL pBf]u -dfj{n, r'g9'Ëf, :n]6,
shf{sf] k|of]hg sf]Onf, k]6«f]lnod tyf cGo vlgh pTkfbg tyf k|zf]wg pBf]u_, pTkfbgd'ns pBf]u
-;fj'g, lgdf{0f ;fdfu|L, kfOk, d]6n, lsr]g d]6l/on, efF8fFs'F8f, :6f]g, uxgf, x:tsnf,
lzNksnf, d}g, cu/aQL, lk|lG6ª k|];, :6]zg/L, kmlg{r/, 6]S;6fon, sfk]{6, ufd]{G6, cf}iflw,
l;d]G6 tyf
cGo pTkfbgd'ns pBf]u_ _[ wft'hGo pBf]u -d]lzg, ljB'tLo pks/0f, ;+rf/ pks/0f,
lrlsT;f ;DaGwL pks/0f, On]S6«f]lgs kf6{k"hf{, h]g]/]6/, 3§, s[lifhGo d]lzg tyf
cf}hf/x? / cGo wft'hGo pTkfbg pBf]u_ tyf cGo pBf]usf]] 205sf]
lgdf{0f÷ljsf;÷lj:tf/ tyf ;+rfng sfo{sf] nflu .
rfn' k'FhL Revolving k|s[ltsf] x'g] .
shf{sf] k|s[lt
l:y/ k'FhL Non Revolving k|s[ltsf] x'g] .
rfn' k'FhL clwstd ! jif{
shf{sf] cjlw
l:y/ k'FhL clwstd !) jif{;Dd
u|]; cjlw l:y/ k'FhL shf{sf] cjlw ggf3\g] u/L clwstd ! jif{;Dd
rfn' k'FhL gjLs/0f ug{ ;lsg]
shf{ gjLs/0f
l:y/ k'FhL gjLs/0f ug{ g;lsg]
shf{sf] ls:tf
l:y/ k'FhL [dfl;s÷ q}dfl;s÷cw{jflif{s÷Equated Monthly Installment (EMI)]206
e'QmfgL
u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo ljj/0f cg';f/ kl/of]hgf
rfn' k'FhL
;+rfngsf] nflu cfjZos kg]{ rfn' k'FhL /sdsf] clwstd *) k|ltzt;Dd .
shf{ k|bfg ug]{
cfwf/ u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo ljj/0f cg';f/ kl/of]hgfsf]
l:y/ k'FhL :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos kg]{ l:y/ k'FhL /sdsf] clwstd
[*)] 207 k|ltzt;Dd .
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds lgdf{0f x'g] kl/of]hgf / 3/÷hUuf tyf cGo
;'/If0f ;xfos JolQmut hdfgt

205
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk
206
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ q}dfl;s÷cw{jflif{s Æ k|ltZyflkt
207
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ&)Æ k|ltZyflkt

92 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

s_ lgdf{0f ePsf] kl/of]hgfsf] d"Nof+sg /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf lgoldt x'g'
kg]{5 .
aLdf
v_ 3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
u_ kl/of]hgf / To;df /x]sf :6s÷dfn;fdfgsf] aLdf ug'{ kg]{5 .
s_ kl/of]hgf ;'rf??kdf ;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 .
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{' kg]{5 .
u_ ls:tf k|bfg ubf{ lgdf{0f ePsf] cj:yf / ;f]df ePsf] vr{nfO{ cfwf/ dfGg' kg]{5 . vr{
shf{sf] cg'udg
ePsf] cflwsf/Ls ;Ssn ljn, ltg{'kg]{ lx;fa vftfsf] PsLg ug'{ kg]{5 .
3_ q}dfl;s ?kdf :6ssf] ljj/0f, cjlw cg';f/sf] cf;fdL vftfsf] ljj/0f, ltg{'kg]{
lx;fjsf] ljj/0f lnO{ ldl;ndf cBfjlws ug'{ kg]{5 .
yk Joj:yfM
1. kl/of]hgf ;DkGg ePkl5sf] s'n d"Nof+lst /sd / ;f]df /x]sf] d]zLg/Lx?sf] clgjfo{ ?kdf a}+s a]lglkml;o/L
x'g] u/L aLdf lgoldt x'g' kg]{5 .
2. pBf]un] cfjZostf cg';f/ jftfj/0fLo k/LIf0f u/]sf] x'g' kg]{5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 93

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

!!= hnljB't tyf cGo a}slNks phf{ shf{ Hydropower & Other Alternative Energy Loan
sfof{nosf] sfo{If]qleq :yfoL?kdf 3/ eO{ a;f]jf; u/]sf] shf{ kfpgof]Uo g]kfnL gful/s,
shf{ u|fxs ;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L
kmd{÷;+:yf÷sDkgL .
hnljB't u[x, ;f}o{ phf{, jfo' phf{, uf]j/Uof;, la|s]6 KnfG6 tyf cGo phf{ ;DaGwL
shf{sf] k|of]hg
pBf]usf] lgdf{0f÷ljsf;÷lj:tf/ tyf ;+rfng sfo{sf] nflu .
rfn' k'FhL Revolving k|s[ltsf] x'g] .
shf{sf] k|s[lt
l:y/ k'FhL Non Revolving k|s[ltsf] x'g] .
rfn' k'FhL clwstd ! jif{
shf{sf] cjlw
l:y/ k'FhL pBf]usf] k|s[lt cg';f/ clwstd @) jif{;Dd
u|]; cjlw l:y/ k'FhL clwstd shf{ cjlw ggf3\g] u/L clwstd ! jif{;Dd
rfn' k'FhL gjLs/0f ug{ ;lsg]
shf{ gjLs/0f
l:y/ k'FhL gjLs/0f ug{ g;lsg]
shf{sf] ls:tf
l:y/ k'FhL [dfl;s÷] 208q}dfl;s÷cw{jflif{s
e'QmfgL
u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo ljj/0f cg';f/ kl/of]hgf
rfn' k'FhL
;+rfngsf] nflu cfjZos kg]{ rfn' k'FhL /sdsf] clwstd *) k|ltzt;Dd .
shf{ k|bfg ug]{
cfwf/ u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo ljj/0f cg';f/ kl/of]hgfsf]
l:y/ k'FhL :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos kg]{ l:y/ k'FhL /sdsf] clwstd
[*)] 209 k|ltzt;Dd .
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds lgdf{0f x'g] kl/of]hgf / 3/÷hUuf tyf cGo
;'/If0f ;xfos JolQmut hdfgt
s_ lgdf{0f ePsf] kl/of]hgfsf] d"Nof+sg /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf lgoldt x'g'
kg]{5 .
aLdf
v_ 3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
u_ kl/of]hgf / To;df /x]sf :6s÷dfn;fdfgsf] aLdf ug{' kg]{5 .

208
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
209
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ&)Æ k|ltZyflkt

94 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

s_ kl/of]hgf ;'rf??kdf ;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 .
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
u_ ls:tf k|bfg ubf{ lgdf{0f ePsf] cj:yf / ;f]df ePsf] vr{nfO{ cfwf/ dfGg'kg]{5 . vr{
shf{ cg'udg
ePsf] cflwsf/Ls ;Ssn ljn, ltg{'kg]{ lx;fa vftfsf] PsLg ug'{ kg]{5 .
3_ q}dfl;s ?kdf :6ssf] ljj/0f, cjlw cg';f/sf] cf;fdL vftfsf] ljj/0f, ltg{'kg]{
lx;fjsf] ljj/0f lnO{ ldl;ndf cBfjlws ug'{ kg]{5 .
yk Joj:yfM
1. kl/of]hgf ;DkGg ePkl5sf] s'n d"Nof+lst /sd / ;f]df /x]sf] d]lzg/Lx?sf] clgjfo{ ?kdf a}+s a]lglkml;o/L
x'g]u/L aLdf lgoldt x'g' kg]{5 .
2. 7'nf pBf]un] cfjZostf cg';f/ jftfj/0fLo k/LIf0f u/]sf] x'g' kg]{5 .
3. hnljB't kl/of]hgfsf] xsdf Project Financing ubf{ ckgfpg'kg]{ ;Dk"0f{ k|lqmofx? k"/f u/L kl/of]hgf:yndf
lgdf{0f x'g] ef}lts ;+/rgf dfq lwtf] /fvL a}+s ;'/lIft x'g] u/L shf{ nufgL ug{ ;lsg]5 . o; ;DaGwL cGo
Joj:yf bkmf -%(_ adf]lhd x'g]5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 95

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

!@= ;]jf shf{ Service Loan
;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L
shf{ u|fxs
kmd{÷;+:yf÷sDkgL .
[…]210 z}lIfs tyf :jf:Yo ;]jf -:s'n, sn]h, tflnd s]Gb|, sG;N6]G;L ;]jf, of]uf
xn, d]l86]zg xn, lhd xn, cfo'{j]lbs ;]G6/, xl:k6n, gl;{Ë xf]d, kf]lnlSngLs,
k|of]uzfnf, /]l8of]nf]hL, Od]lhË, lkmhLof]y]/fkL, cs'k~r/, Ps'k|];/ tyf cGo z}lIfs tyf
:jf:Yo ;DalGwt_, cGo ;]jf -lj1fkg, sn/Nofj, kmf]6f] :6'l8of], dd{t ;Def/ s]Gb|,
shf{sf] k|of]hg js{;k, ;/;kmfO{ Joj:yfkg, oftfoft ;]jf, 9'jfgL ;]jf, /f]kj], s]jn sf/, Sof6l/Ë tyf
6]G6 ;]jf, kf6L{ Kofn];, a}+Sj]6, 6]nl/Ë, Ao'l6kfn{/, x]o/sl6Ë tyf cGo ;]jf;Fu
;DalGwt_ sf] lgdf{0f÷ljsf;÷lj:tf/ tyf ;+rfng sfo{sf] nflu .
rfn' k'FhL Revolving k|s[ltsf]x'g] .
shf{sf] k|s[lt
l:y/ k'FhL Non Revolving k|s[ltsf] x'g] .
rfn' k'FhL clwstd ! jif{
shf{sf] cjlw
l:y/ k'FhL clwstd [@)] 211 jif{;Dd
u|]; cjlw l:y/ k'FhL shf{sf] cjlw ggf3\g] u/L clwstd ! jif{;Dd
rfn' k'FhL gjLs/0f ug{ ;lsg]
shf{ gjLs/0f
l:y/ k'FhL gjLs/0f ug{ g;lsg]
shf{sf] ls:tf
l:y/ k'FhL [dfl;s÷] 212q}dfl;s÷cw{jflif{s
e'QmfgL
u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo ljj/0f cg';f/ kl/of]hgf
rfn' k'FhL
;+rfngsf] nflu cfjZos kg]{ rfn' k'FhL /sdsf] clwstd *) k|ltzt;Dd .
shf{ k|bfg ug]{
cfwf/ u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo ljj/0f cg';f/
l:y/ k'FhL kl/of]hgfsf] :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos kg]{ l:y/ k'FhL
/sdsf] clwstd &) k|ltzt;Dd .
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg' kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds lgdf{0f x'g] kl/of]hgf / 3/÷hUuf tyf cGo
;'/If0f ;xfos JolQmut hdfgt

210
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd " ko{6g ;]jf -xf]6n, l/;f]{6, /]i6'/]G6, 6«fen P08 6';{, 6«]lsË,
/flˆ6Ë, /fOl8Ë, Sofgf]loË, Kof/fUnfO{l8Ë tyf cGo ko{6g;Fu ;DalGwt_, dgf]/~hg ;]jf -l;g]df tyf l;g]df xn, kfs{, kmgkfs{, :jLldË
k'n, PSjf]l/od tyf cGo dgf]/~hg;Fu ;DalGwt_, " zJb x6fOPsf] / ;f] If]qsf nflu cnUu} k|f]8S6 g+= $@ xf]d :6] shf{ tyf $# ko{6g
;]jf shf{ yk ePsf]
211
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ!)Æ k|ltZyflkt
212
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

96 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

s_ lgdf{0f ePsf] kl/of]hgfsf] d"Nof+sg /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf lgoldt
x'g' kg]{5 .
aLdf
v_ 3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
u_ kl/of]hgf / To;df /x]sf :6s÷dfn;fdfgsf] aLdf ug'{ kg]{5 .
s_ kl/of]hgf ;'rf??kdf ;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 .
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
u_ ls:tf k|bfg ubf{ lgdf{0f ePsf] cj:yf / ;f]df ePsf] vr{nfO{ cfwf/ dfGg' kg]{5 . vr{
shf{sf] cg'udg
ePsf] cflwsf/Ls ;Ssn ljn, ltg{'kg]{ lx;fa vftfsf] PsLg ug'{ kg]{5 .
3_ q}dfl;s ?kdf :6ssf] ljj/0f, cjlw cg';f/sf] cf;fdL vftfsf] ljj/0f, ltg{'kg]{
lx;fjsf] ljj/0f lnO{ ldl;ndf cBfjlws ug'{ kg]{5 .
yk Joj:yfM
1. kl/of]hgf ;DkGg ePkl5sf] s'n d"Nof+lst /sd / ;f]df /x]sf] d]zLg/Lx? clgjfo{ ?kdf a}+s a]lglkml;o/L
x'g]u/L aLdf lgoldt x'g' kg]{5 .
2. o; zLif{s cGtu{t 7'nf kl/of]hgfsf] xsdf Project Financing ubf{ ckgfpg'kg]{ ;Dk"0f{ k|lqmofx? k"/f
u/L kl/of]hgf:yndf lgdf{0f x'g] ef}lts ;+/rgf dfq lwtf] /fvL a}+s ;'/lIft x'g] u/L shf{ nufgL ug{
;lsg]5 . o; ;DaGwL yk Joj:yf bkmf -%(_ adf]lhd x'g]5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 97

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

!#= Jofkf/ shf{ Business Loan
;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf Jofkf/ Joj;fo ug{ O{hfhtkq lnPsf
shf{ u|fxs
shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L kmd{÷sDkgL
b}lgs pkef]Uo j:t', :6]zg/L ;fdfg, sk8f÷km]G;L ;fdfg, wft'÷sf7÷Knfl:6s÷l;;fsf
shf{sf] k|of]hg ;fdfg, kmlg{r/÷kmlg{l;Ësf ;fdfg, k]6«f]lnod kbfy{, lgdf{0f ;fdfu|L, s[lif pkh tyf s[lif
;fdfu|L a]rljvg tyf g]kfn ;/sf/af6 vl/b ljqmL ug{ aGb]h gnufO{Psf cGo ;fdfgx?
vl/b ug{ [sf] nflu rfn' k'FhL shf{ tyf Jofkf/sf] nflu cfjZos kg]{ ejg, uf]bfd, ;]8
tyf cGo ef}lts k"jf{wf/ Pj+ ;+/rgfsf] lgdf{0f Pj+ ljsf; ug{sf] nflu l:y/ k'FhL shf{
.] 213
shf{sf] cjlw [rfn' k'FhL shf{M clwstd ! jif{ .
l:y/ k'FhL shf{M clwstd [!)] 214 jif{;Dd .] 215
shf{ gjLs/0f gjLs/0f ug{ ;lsg]
shf{sf] k|s[lt rfn' k'FhL÷ Revolving k|s[ltsf] x'g] .
[l:y/ k'FhL÷Non Revolving k|s[ltsf] x'g]] 216
:6s÷df}Hbft, lng'kg]{ lx;fj -Debtors/cf;fdL_ vftf, ltg{k' g]{ lx;fj -Creditors/;fx'_
shf{ k|bfg ug]{
vftfsf] cfwf/df kl/of]hgfsf] ;DefJotfsf] ljZn]if0f u/L cfjZos kg]{ rfn' k'FhLsf]
cfwf/
clwstd *) k|ltzt;Dd [/ cfjZos kg]{ l:y/ k'FhL /sdsf] clwstd [*)]217
k|ltzt;Dd .] 218
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds 3/÷hUuf tyf cGo
;'/If0f ;xfos Stock, Account Receivable/Debtors, JolQmut hdfgt
s_ 3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
aLdf
v_ kl/of]hgfdf /x]sf :6s÷dfn;fdfgsf] aLdf ug'{ kg]{5 .
s_ kl/of]hgf ;'rf??kdf ;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 .
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
shf{sf] cg'udg
u_ q}dfl;s ?kdf :6ssf] ljj/0f, cjlw cg';f/sf] cf;fdL vftfsf] ljj/0f, ltg{'kg]{
lx;fjsf] ljj/0f lnO{ ldl;ndf cBfjlws ug'{ kg]{5 .

213
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk
214
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ%Æ k|ltZyflkt
215
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æclwstd ! aif{Æ eÌ] Joj:yf k|lt:yfkg ePsf]
216
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk
217
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ&)Æ k|ltZyflkt
218
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk

98 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[yk Joj:yfM != lgdf{0f ul/Psf] ejg, uf]bfd, ;]8 tyf cGo ef}lts k"jf{wf/ Pj+ ;+/rgfsf] a}+s
a]lglkml;o/L x'g] u/L aLdf ug{' kg]{5 .
@= a}+s shf{af6 ;d]t lgdf{0f ePsf] ejg, uf]bfd jf cGo ;+/rgf /x]sf] hUuf clgjfo{
?kdf lwtf] /x]sf] x'g' kg]{5 .]219

219
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 99

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

!$= 3/fozL shf{ Household Loan
sfof{nosf] sfo{If]qleq :yfoL?kdf 3/ eO{ a;f]jf; u/]sf] shf{ kfpgof]Uo g]kfnL
shf{ u|fxs
gful/s .
shf{sf] k|of]hg JolQmut ljQLo cfjZostf kl/k"lt{ ug{ .
shf{ nufgL x'g] If]q clwstd shf{ ;Ldf /sd ?=
shf{ nufgL x'g] If]q æsÆ ju{M dxfgu/kflnsf / pkdxfgu/kflnsf ?=#) nfv;Dd
cg';f/sf] clwstd
ævÆ ju{M gu/kflnsf ?=@) nfv;Dd
shf{ ;Ldf
æuÆ ju{M ufpFkflnsf ?=!) nfv;Dd
shf{sf] cjlw clwstd ! jif{
shf{ gjLs/0f gjLs/0f ug{ ;lsg]
shf{sf] k|s[lt Revolving k|s[ltsf] x'g] .
shf{ k|bfg ug]{ cfwf/ u|fxs jf lghsf Psf3/sf kl/jf/sf ;b:ox?sf] jflif{s cfo
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf cGo
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
z'Ns
lwtf] k|fylds 3/÷hUuf tyf cGo .
;'/If0f ;xfos u|fxssf] Psf3/ kl/jf/sf ;b:ox?sf] JolQmut hdfgt .
lwtf] ;'/If0fsf] aLdf 3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
jflif{s cfosf] >f]tsf] Plsg u/L dfq shf{ gjLs/0f ug'{ kg]{5 ;fy} shf{sf zt{x?sf]
shf{ cg'udg
kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
yk Joj:yfM
u|fxsn] cfDbfgLsf] >f]t :ki6 v'n]sf] k|df0f k]z ug'{ kg]{5 / shf{ ljZn]ifsn] cfjZostfcg';f/ ;f]sf]
k|df0fLs/0f ug'{ kg]{5 .

100 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

!%= sd{rf/L ;]jf shf{ Employee Service Loan
sfof{nosf] sfo{If]qleq :yfoL?kdf 3/ eO{ a;f]jf; u/]sf] shf{
kfpgof]Uo g]kfn ;/sf/ jf g]kfn ;/sf/sf] :jfldTj /x]sf ;+ul7t ;+:yf -;fj{hlgs
shf{ u|fxs
;+:yfg÷k|flws/0f÷kl/ifb÷jf]8{÷s]Gb|÷;ldlt÷ljZjljBfno÷z}lIfs ;+:yf÷cGo_ sf
:yfoL sd{rf/L .
shf{ k|of]hg JolQmut÷kfl/jfl/s ljQLo cfjZostf kl/k"lt{ ug{ .
clwstd shf{
shf{ u|fxssf] s'n jflif{s cfosf] % u'0ff;Dd .
;Ldf
shf{sf] cjlw clwstd ! jif{
shf{ gjLs/0f gjLs/0f ug{ ;lsg]
shf{sf] k|s[lt Revolving k|s[ltsf] x'g] .
shf{ k|bfg ug]{
shf{ u|fxssf] s'n jflif{s cfo / shf{ ltg{;Sg] Ifdtf
cfwf/
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds 3/÷hUuf tyf cGo .
;'/If0f ;xfos u|fxssf] Psf3/ kl/jf/sf ;b:ox?sf] JolQmut hdfgt .
lwtf] ;'/If0fsf]
3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
aLdf
jflif{s cfosf] >f]tsf] Plsg u/L dfq shf{ gjLs/0f ug'{ kg]{5 ;fy} shf{sf zt{x?sf]
shf{sf] cg'udg
kfngf ePgePsf] cg'udg ug'{ kg]{5 .
yk Joj:yfM
1. shf{ u|fxssf] ;]jfaf6 cjsfz x'g afFsL cjlw Go"gtd % jif{sf] /xg' kg]{5 .
2. shf{ u|fxssf] hLjg aLdf u/]sf] k|df0f k]z ug'{ kg]{5 .
3. u|fxsn] cfDbfgLsf] >f]t :ki6 v'n]sf] k|df0f k]z ug'{ kg]{5 ;fy} shf{ ljZn]ifsn] cfjZostfcg';f/ ;f]sf]
k|df0fLs/0f ug'{ kg]{5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 101

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[!^= cf]e/8«fˆ6
shf{ JolQmut sfof{nosf] sfo{If]qleq :yfoL?kdf 3/ eO{ a;f]jf; u/]sf] shf{
u|fxs kfpgof]Uo g]kfnL gful/s
;+:yfut ;DalGwt lgsfodf btf{ ePsf tyf O{hfhtkq lnPsf shf{ kfpgof]Uo
JolQmut kmd{÷;fem]bf/L kmd{÷sDkgL
shf{sf] k|of]hg JolQmut jf Joj;flos ljQLo cfjZostf kl/k"lt{ ug{
clwstd JolQmut shf{ u|fxs [===]220g]kfn /fi6« a}+sn] ;do;dodf tf]s] adf]lhd .
shf{ ;Ldf ;+:yfut shf{ u|fxs clwstd ?=! s/f]8;Dd .
shf{sf] k|s[lt rfn' k'FhL k|s[ltsf] shf{M Revolving k|s[ltsf] x'g] .
cfjlws shf{M Non Revolving k|s[ltsf] x'g] .
shf{sf] cjlw rfn' k'FhL k|s[ltsf] shf{M clwstd ! jif{;Dd .
cfjlws shf{M clwstd !) jif{;Dd .
shf{ gjLs/0f rfn' k'FhL k|s[ltsf] shf{M gjLs/0f ug{ ;lsg] .
cfjlws shf{M gjLs/0f ug{ g;lsg] .
shf{ JolQmut shf{ u|fxs u|fxs jf lghsf Psf3/sf kl/jf/sf ;b:ox?sf] jflif{s cfo / shf{
k|bfg ug]{ ltg{;Sg] Ifdtf .
cfwf/ ;+:yfut shf{ u|fxs Joj;fosf] jflif{s cfo / shf{ ltg{;Sg] Ifdtf .
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s
?kdf a'emfpg' kg]{5 .
shf{sf] ls:tf e'QmfgL cfjlws shf{sf] xsdf Equated Monthly Installment (EMI)/q}dfl;s]
;]jf z'Ns tyf cGo z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3
lng' kg]{5 .
lwtf] k|fylds 3/÷hUuf tyf cGo .
;'/If0f ;xfos JolQmut ÷;+:yfut hdfgt
lwtf] ;'/If0fsf] aLdf 3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf
clgjfo{ x'g' kg]{5 .
shf{sf] cg'udg s_ jflif{s cfo>f]tsf] Plsg u/]/dfq shf{ gjLs/0f ug{' kg]{5 .
v_ shf{sf] ls:tf e'QmfgL tf]lsPsf] ;dodf eP÷gePsf] cg'udg ug{'
kg]{5 .
u_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{' kg]{5 .
yk Joj:yfM
-!_ JolQmut shf{ u|fxsn] cfDbfgLsf] >f]t :ki6 v'n]sf] k|df0f k]z ug{' kg]{5 ;fy} shf{ ljZn]ifsn]
cfjZostfcg';f/ ;f]sf] k|df0fLs/0f ug{' kg]{5 .
-@_ ;+:yfut shf{ u|fxssf] xsdf u|fxsn] shf{ /sdnfO{ k'i6\ofO{ x'g] :ki6 sfo{ of]hgfsf] ;fy} shf{ sfo{ljlw
adf]lhd ;+:yfut shf{ u|fxsn] k]z ug{'kg]{ cfjZos ;Dk"0f{ sfuhftx? k]z ug{' kg]{5 .
-#_ o; a}+ssf 3/a]6Ln] JolQmut cf]e/8«fˆ6 shf{ pkof]u ug{ vf]h]df yk Joj:yf b]xfo adf]lhd x'g]5M
-s_ sfof{no /x]sf] 3/a]6LnfO{ ?=%) nfv;Ddsf] JolQmut shf{ lghsf] JolQmut hdfgt jf s'g}
ljQLo?kdf ;an ;+:yfsf] ;+:yfut hdfgtsf] cfwf/df dfq klg pknAw u/fpg ;lsg] 5 .
-v_ a}+ssf] 3/j]6L -u|fxs_ nfO{ cfjlws k|s[ltsf] shf{ k|bfg ubf{ lghsf] cfDbfgLn] aflif{s ?kdf
a}+snfO{ ltg{'kg]{ ;fFjf Jofh e'Qmfg x'g ;Sg] u/L ;Ldf lgwf{/0f ug{' kg]{5 .
-u_ shf{ u|fxs /x]sf] a}+ssf] 3/a]6L -u|fxs_ n] clgjfo{ ?kdf :yfoL n]vf gDa/ lnPsf] x'g' kg]{5 .
-3_ Go"gtd % jif{ cjlwsf] jf shf{ cjlw;Ddsf] 3/ef8f ;Demf}tf /x]sf] x'g' kg]{5 .
-ª_ shf{sf] ;fFjf jf Jofh lgoldt gePsf] cj:yfdf lgh u|fxs jf lghsf] Psf3/ kl/jf/sf] ;b:osf]

220
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ clwstd ?=%) nfv;Dd jf Æ x6fOPsf]

102 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

gfddf /x]sf] rn crn ;DklQ kQf nufO{ /f]Ssf u/L shf{ c;"nL k|lqmof cuf8L a9fpg' kg]{5 .
-r_ shf{sf] ljj/0f 5'§} lgsfnL ;f]sf] lgoldt cg'udg ug{' kg]{5 .
] 221

221
;+rfns ;ldltsf] ldlt @)&^.!).@* a}7s g+ *)$ af6 b]xfosf] cf]e/8«fˆ6 shf{ k|f]8S6 nfO{ k|lt:yfkg u/]sf] .
JolQmut sfof{nosf] sfo{If]qleq :yfoL?kdf 3/ eO{ a;f]jf; u/]sf] shf{ kfpgof]Uo g]kfnL gful/s
shf{ u|fxs ;+:yfut ;DalGwt lgsfodf btf{ ePsf tyf O{hfhtkq lnPsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L
kmd{÷sDkgL
shf{sf] k|of]hg JolQmut jf Joj;flos ljQLo cfjZostf kl/k'lt{ ug{
clwstd shf{ JolQmut shf{ clwstd ?=&% nfv;Dd .
;Ldf u|fxs
;+:yfut shf{ clwstd ?=! s/f]8;Dd .
u|fxs
shf{sf] cjlw clwstd ! jif{
shf{ gjLs/0f gjLs/0f ug{ ;lsg]
shf{sf] k|s[lt rfn' k'FhL÷k|s[ltsf] x'g] .
shf{ k|bfg ug]{ cfwf/ JolQmut shf{ u|fxs jf lghsf Psf3/sf kl/jf/sf ;b:ox?sf] jflif{s cfo / shf{ ltg{;Sg] Ifdtf .
u|fxs
;+:yfut shf{ Joj;fosf] jflif{s cfo .
u|fxs
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg' kg]{5 .
;]jf z'Ns tyf cGo z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
lwtf] k|fylds 3/÷hUuf tyf cGo .
;'/If0f ;xfos JolQmut hdfgt
lwtf] ;'/If0fsf] aLdf 3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
shf{sf] cg'udg jflif{s cfosf] >f]tsf] Plsg u/L dfq shf{ gjLs/0f ug'{ kg]{5 ;fy} shf{sf zt{x?sf] kfngf
eP÷gePsf] cg'udg ug'{ kg]{5 .
yk Joj:yfM
1. JolQmut shf{ u|fxsn] cfDbfgLsf] >f]t :ki6 v'n]sf] k|df0f k]z ug'{ kg]{5 ;fy} shf{ ljZn]ifsn] cfjZostfcg';f/ ;f]sf] k|df0fLs/0f ug'{ kg]{5 .
2. ;+:yfut shf{ u|fxssf] xsdf u|fxsn] shf{ /sdnfO{ k'i6\ofO{ x'g] :ki6 sfo{ of]hgfsf] ;fy} o; sfo{ljlw cg';f/ cGo shf{ zLif{sdf shf{ lng]
;+:yfut shf{ u|fxsn] k]z ug{'kg]{ cfjZos ;Dk"0f{ sfuhftx? ;d]t k]z ug'{ kg]{5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 103

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

!&= ;/n 7]Ssfk§f shf{
shf{ u|fxs [-s_ lgdf{0f, ;fdfg 9'jfgL, /fzg tyf ljleGg k|sf/sf ;fdfgx? ;KnfO{ ug]{ sfo{ ug{
;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf / O{hfhtkq lnPsf shf{ kfpgof]Uo
JolQmut kmd{÷;fem]bf/L kmd{÷;+:yf÷sDkgL .
-v_ b'O{ jf ;f] eGbf a9L u|fxsx? Ps cfk;df ldnL ;+o'Qm pkqmd -Joint Venture_
lgdf{0f u/]df pQm ;+o'Qm pkqmddf /x]sf] u|fxs . ;+o'Qm pkqmdsf kIfx? -u|fxsx?_
:jb]z leqsf jf ljb]zdf btf{ eO{ ;+rfngdf /x]sf b'j} x'g ;Sg]5g\ . ] 222
lgdf{0f sfo{÷;fdfg 9'jfgL sfo{÷/fzg ;KnfO{ sfo{÷cGo sfo{ ug]{ 7]Ssfk§f Joj;fosf]
shf{sf] k|of]hg
nflu .
shf{sf]
[;+:yfut shf{ :jLs[lt k|:tfj cg';"rL !@ df Joj:yf eP adf]lhd u0fgf ePsf] /sdsf]
clwstd ;Ldf
*) k|ltzt;Dd . ] 223
shf{sf] cjlw clwstd ! jif{
shf{ gjLs/0f gjLs/0f ug{ ;lsg]
shf{sf] k|s[lt rfn' k'FhL÷k|s[ltsf] x'g] .
shf{ k|bfg ug]{
Joj;foaf6 x'g] jflif{s cfo .
cfwf/
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds 3/÷hUuf tyf cGo .
;'/If0f ;xfos JolQmut hdfgt
lwtf] ;'/If0fsf]
3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
aLdf
s_ 7]Ssf ;Demf}tfsf] cjlw adf]lhd ;Dkflbt sfo{sf] k|ult ljj/0f x]g'{ kg]{5 .
shf{ cg'udg
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .

222
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf / O{hfht–kq lnPsf shf{
kfpgof]Uo JolQmut kmd{÷;fem]bf/L kmd{÷sDkgL .Æ k|ltZyflkt ePsf]
223
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ cjlw afFsL /x]sf] j}w 7]Ssf ;Demf}tfx?sf] s'n /sdsf] clwstd %) k|ltzt;Dd .Æ
k|ltZyflkt ePsf]

104 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

yk Joj:yfM
1. s"n 7]Ssf /sdsf] u0fgf ubf{ cjlw afFsL /x]sf] a}w 7]Ssf ;Demf}tfnfO{ cfwf/ dfGg' kg]{5 . o;/L 7]Ssf
/sdsf] u0fgf ubf{ u|fxsn] [;+o'Qm pkqmd -Joint Venture_ df u/]sf] sfdsf] 7]Ssf /sddWo]] 224] lgh
u|fxssf] lx:;f jf efusf]dfq u0fgf ug'{ kg]{5 . [pk–7]Ssf -Sub Contract_ df lnPsf] 7]Ssf ;Demf}tfsf]
cfwf/df ;d]t shf{ k|jfx ug{ ;lsg]5 . ] 225
2. 7]Ssf ;Demf}tf;Fu ;DalGwt sfuhftx? / h]=le=;Demf}tf clgjfo{?kdf lng' kg]{5 ;fy} o; sfo{ljlw
cg';f/ cGo shf{ zLif{sdf shf{ lng] ;+:yfut shf{ u|fxsn] k]z ug{'kg]{ cfjZos ;Dk"0f{ sfuhftx?
;d]t k]z ug'{ kg]{5 .
[-#_ shf{ gjLs/0f ug{sf] nflu cfjZos kg]{ cGo k|lqmofx? k"/f ePdf cjlw afFsL /x]sf] j}w 7]Ssf
;Demf}tfx? gePsf] cj:yfdf ;d]t a9Ldf ! jif{sf] nflu shf{ gjLs/0f ug{ ;lsg]5 .] 226
[-$_ shf{ :jLs[t tyf gjLs/0f ubf{ a}+sn] ;do;dodf tf]s] adf]lhdsf] ljj/0f u|fxsaf6 e/fO{ pQm
ljj/0fnfO{ k'li6 ug]{ sfuhft u|fxsn] k]z ug{' kg]{5 . ] 227

224
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ h]=le=kf6{g/ -J/V Partner_ x? ;lxt u/]sf] 7]Ssf ;Demf}tf /sddWo Æ k|ltZyflkt
ePsf]
225
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
226
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk
227
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 105

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

!*= xfOkf]lys]zg shf{ Hypothecation Loan
;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L
shf{ u|fxs
kmd{÷;+:yf÷sDkgL .
shf{sf] k|of]hg Joj;flos cfjZostf k"/f ug{
clwstd shf{
:6s /x]sf] dfn;fdfgx?sf] s'n d"Nosf] clwstd %) k|ltzt;Dd
;Ldf
shf{ cjlw clwstd ! jif{
shf{ gjLs/0f gjLs/0f ug{ ;lsg]
shf{sf] k|s[lt rfn' k'FhL÷k|s[ltsf] x'g] .
shf{ k|bfg ug]{ Stock, lng'kg]{ lx;fj -Debtors/cf;fdL_ vftf, ltg{'kg]{ lx;fj
cfwf/ -Creditors/;fx'_ vftf
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds Stock, Account Receivable/Debtors
;'/If0f ;xfos 3/÷hUuf tyf cGo, JolQmut hdfgt
lwtf] ;'/If0fsf] 3/ lwtf] ePdf 3/sf] / :6ssf] d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{
aLdf x'g' kg]{5 .
s_ kl/of]hgf ;'rf??kdf ;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 .
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
u_ q}dfl;s ?kdf :6ssf] ljj/0f, cjlw cg';f/sf] cf;fdL vftfsf] ljj/0f, ltg{'kg]{
shf{sf] cg'udg lx;fjsf] ljj/0f lnO{ ;f]sf] a}+s sd{rf/Laf6 k|dfl0fs/0f u/L ldl;ndf cBfjlws ug'{
kg]{5 . olb :6sdf /x]sf]] dfn;fdfgsf] s'n d"No /sd 36\g uO{ a}+s lgodfg';f/ k|bfg
ul/g] shf{ ;LdfnfO{ gvfDg] ePdf shf{sf] ;Ldf 36fpg'kg]{5 jf sd x'g uPsf] /sd
a/fa/sf] dflh{g /sd yk ug'{ kg]{5 .
yk Joj:yfM
1. a}+ssf c;n u|fxsx?nfO{ d'Vo sfof{noaf6 dfq of] shf{ :jLs[t ug{ ;lsg]5 .
2. ;'/lIft sf/f]af/ P]g, @)^# adf]lhd xfOkf]lys]zg xs cg';f/ C0fLsf] :6s tyf cf;fdL lx;fa ;DalGwt
lgsfodf a}+ssf] kIfdf btf{ ePsf] x'g' kg]{5 .
3. xfO{kf]lys]6 x'g] dfn;fdfgx? a}+sn] tf]s] adf]lhd x'g]5 .

106 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

!(= cfjf; shf{ Home Loan
sfof{nosf] sfo{If]qleq 38]/L hUuf eO{ 3/ lgdf{0f ug]{ shf{ kfpgof]Uo ^% jif{ ggf3]sf]
shf{ u|fxs
g]kfnL gful/s
shf{sf] k|of]hg 3/ lgdf{0f ug{÷yk ug{÷3/ dd{t ug{
s_ ;DalGwt lgsfoaf6 3/ lgdf{0fsf] O{hfht lnPsf] x'g' kg]{5 .
shf{sf] nflu
v_ [..] 228
of]Uotf
u_ [lgdf{0f÷yk÷dd{t x'g] 3/ !) km'6sf] af6f]n] hf]l8Psf] x'g' kg]{5 . !) km'6eGbf ;fgf]
af6f] ePdf k|b]z sfof{nosf] :jLs[lt clgjfo{ x'g]5 . $ km'6eGbf ;fgf] af6f]df shf{ k|jfx
ug{ kfOg] 5}g . ] 229
shf{sf] [-!_ 3/ lgdf{0f÷yk÷dd{t ug{ nfUg] cg'dflgt s"n nfut -g]kfn O{lGhlgo/LË kl/ifbdf
clwstd ;Ldf btf{ ePsf] O{lGhlgo/af6 ul/Psf] s'n nfut cg'dfg -Total Cost Estimate_ sf]
clwstd &) k|ltzt jf u|fxsn] a}+snfO{ lbPsf] lwtf]sf] a}+s lgodfg';f/sf] dflh{g
gsf6]sf] s"n d"Nof+sg /sd / 3/ lgdf{0f÷yk÷dd{t ug{ nfUg] cg'dflgt s"n nfut
/sdsf] of]ukmnsf] a9Ldf %) k|ltzt h'g sd x'G5 pQm /sd;Dd :yL/ k"FhL shf{ pknAw
u/fpg ;lsg]5 .
-@_ shf{sf] clwstd ;Ldf sfod ubf{ g]kfn /fi6« a}+sn] ;do ;dodf tf]s] adf]lhdsf]
shf{ / lwtf]sf] d"No cg'kft -Loan to Value Ratio_ ;DaGwL lgb]{zgsf] kfngf ug{' kg]{5 .
] 230
[[shf{ nufgL x'g] If]q 3/ lgdf{0f÷yk ug{ 3/ dd{t ug{
shf{ nufgL x'g] æsÆ ju{M dxfgu/kflnsf / ?=!) s/f]8;Dd [?=# s/f]8;Dd
If]q cg';f/ shf{ pkdxfgu/kflnsf
:jLs[t ;Ldf ævÆ ju{M gu/kflnsf ?=& s/f]8;Dd ?=@ s/f]8;Dd
æuÆ ju{M ufpFkflnsf ?=# s/f]8;Dd ?=&% nfv;Dd] 231]232] 233

228
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ 3/sf] sDtLdf Plinth Level (DPC) ;Ddsf] sfd ;DkGg ePsf] x'g'kg]{ .Æ x6fOPsf]
229
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ lgdf{0f÷yk÷dd{t x'g] 3/ sDtLdf !) km'6sf] af6f]n] hf]l8Psf] x'g' kg]{5 .Æ x6fOPsf]
230
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ3/ lgdf{0f÷yk÷dd{t ug{ nfUg] nfut -g]kfn O{lGhlgo/LË kl/ifbdf btf{ ePsf]
O{lGhlgo/af6 ul/Psf] _ sf] clwstd &) k|ltzt;Dd .Æ x6fOPsf]
231
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd b]xfo adf]lhdsf] Joj:yf k|lt:yfkg ePsf]
shf{ nufgL x'g] If]q ;fljs 3/ lgdf{0f÷yk ;+;f]lwt 3/ lgdf{0f÷yk ;fljs 3/ dd{t ug{ ;+;f]lwt 3/ dd{t ug{
ug{ ug{
æsÆ ju{M dxfgu/kflnsf / pkdxfgu/kflnsf ?=!)) nfv;Dd ?=!%) nfv;Dd #% nfv;Dd %) nfv;Dd
ævÆ ju{M gu/kflnsf ?=*) nfv;Dd ?=!)) nfv;Dd @% nfv;Dd #% nfv;Dd
æuÆ ju{M ufpFkflnsf ?=%) nfv;Dd ?=&% nfv;Dd !% nfv;Dd @% nfv;Dd

232
k|d'v sfo{sf/L :t/sf] ldlt @)&^.!!.!@ sf] lg0f{o adf]lhd b]xfo adf]lhdsf] Joj:yf k|lt:yfkg ePsf]
shf{ nufgL x'g] If]q ;fljs 3/ dd{t ug{ ;+;f]lwt 3/ dd{t ug{
æsÆ ju{M dxfgu/kflnsf / pkdxfgu/kflnsf %) nfv;Dd !)) nfv;Dd
ævÆ ju{M gu/kflnsf #% nfv;Dd *) nfv;Dd
æuÆ ju{M ufpFkflnsf @% nfv;Dd %) nfv;Dd

233 ;+rfns ;ldltsf] ldlt @)&&.)@.!& sf] a}7ssf] lg0f{o adf]lhd b]xfo adf]lhdsf] Joj:yf k|lt:yfkg ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 107

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

3/ lgdf{0fsf] nflu % jif{, !) jif{ [, !% jif{ / @) jif{] 234.
shf{sf] cjlw
3/ dd{tsf] nflu clwstd [!)] 235 jif{ .
u|]; cjlw shf{ cjlw ggf3\g] u/L clwstd ! jif{
shf{sf] gjLs/0f shf{ gjLs/0f ug{ g;lsg] .
shf{sf] ls:tf
[dfl;s÷] 236 q}dfl;s÷cw{jflif{s÷ Equated Monthly Installment (EMI)
e'QmfgL
shf{sf] k|s[lt cfjlws, Non Revolving k|s[ltsf] x'g] .
shf{ k|bfg ug]{
u|fxs jf lghsf] Psf3/sf kl/jf/sf ;b:ox?sf] jflif{s cfo / shf{ ltg{;Sg] Ifdtf .
cfwf/
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds lgdf{0f÷yk÷dd{t x'g] 3/ / ;f]n] rr]{sf] hUuf -clgjfo{_ / cfjZostfcg';f/ cGo 3/hUuf .
;'/If0f ;xfos u|fxssf] Psf3/sf kl/jf/sf ;b:ox?sf] JolQmut hdfgt
s_ shf{sf zt{x? kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
v_ lgdf{0f sfo{ k|ultsf] cfwf/df ls:tf /sd k|jfx ug'{ kg]{5 .
shf{sf] cg'udg u_[ 3/ lgdf{0f ;DkGg ePkl5 lgdf{0f ;DkGgtfsf] k|df0fkq lnO{ hUufwgL btf{ k|df0f
k'hf{df 3/;d]t sfod u/fpg' kg]{5] 237
3_ [lgdf{0f ePsf] 3/;d]t lwtf] lnO{ ;f]xL jf cnu zLif{sdf yk shf{ k|bfg ug{'kg]{ ePdf
3/ ;DkGg ePkl5 hUufwgL btf{ k|df0f k'hf{df 3/;d]t sfod u/L ;f] ;d]t lwtf] b[li6aGws
lnvt kf; u/L /f]Ssf ug{' kg]{5 .] 238
ª_ ;DkGg 3/sf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ ug'{ kg]{5 .
yk Joj:yfM
1. u|fxsn] cfDbfgLsf] >f]t :ki6 v'n]sf] k|df0f k]z ug'{ kg]{5 / ;fy} shf{ ljZn]ifsn] cfjZostfcg';f/ ;f]sf]
k|df0fLs/0f ug'{ kg]{5 .
shf{ nufgL x'g] If]q ;fljs 3/ lgdf{0f÷yk ;+;f]lwt 3/ lgdf{0f÷yk ;fljs 3/ dd{t ug{ ;+;f]lwt 3/ dd{t ug{
ug{ ug{
æsÆ ju{M dxfgu/kflnsf / pkdxfgu/kflnsf ?=!%) nfv;Dd ?=!) s/f]8;Dd ?=!)) nfv;Dd ?=# s/f]8;Dd
ævÆ ju{M gu/kflnsf ?=!)) nfv;Dd ?=& s/f]8;Dd ?=*) nfv;Dd ?=@ s/f]8;Dd
æuÆ ju{M ufpFkflnsf ?=&% nfv;Dd ?=# s/f]8;Dd ?=%) nfv;Dd ?=&% nfv;Dd

234 ;+rfns ;ldltsf] ldlt @)&&.)@.!& sf] a}7ssf] lg0f{o adf]lhd æ / !% jif{Æ k|ltZyflkt
235
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd lhd æ# aif{Æ eGg] Joj:yf æ% aif{Æ eO{ k|lt:yfkg ePsf]df k|d'v
sfo{sf/L :t/sf] ldlt @)&^.!!.!@ sf] lg0f{o adf]lhd % aif{ nfO{ ;+zf]wg u/L !) aif{ sfod
236
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
237
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æ3/ lgdf{0f ;DkGg ePkl5 lgdf{0f ;DkGgtfsf] k|df0fkq lng' kg]{5
.Æ eGg] Joj:yf k|lt:yfkg ePsf]
238
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æ3/ ;DkGg ePkl5 hUufwgL btf{ k|df0f k'hf{df 3/;d]t sfod u/L
;f] ;d]t /f]Ssf ug'{ kg]{5 .Æ eGg] Joj:yf k|lt:yfkg ePsf]

108 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

2. cfo;|f]t k]z ePsf] kl/jf/sf] ;b:osf] clgjfo{ ?kdf JolQmut hdfgt lng' kg]{5 .
3. of] shf{ Psf3/ kl/jf/leq ! -Ps_ hgfnfO{ dfq k|bfg ug{ ;lsg]5 .
4. shf{ ljZn]ifsn] k|rlnt :yfgLo b//]6 adf]lhd eP÷gePsf] PsLg ug'{ kg]{5 .
5. Structure Complete ePsf] lgdf{0fflwg 3/sf] d"Nof+sg ;d]t u/L shf{ :jLs[t jf shf{ yk ug{'kg]{ cj:yfdf
k|rlnt lwtf] ;'/If0f d"Nof+sgstf{ ;DaGwL sfo{ljlwdf [Joj:yf ePadf]lhd d"Nof+sg sfod ug{' kg]{5 . ] 239
6. ;fdflhs tyf ef}lts k"jf{wf/sf] ljsf; ePsf] / 3gfj:tL ePsf] k"/fgf zx/L If]qsf] !) km'6eGbf sd
rf}8fO{ ePsf] af6f]n] ghf]l8Psf] 38]/L hUufdf 3/ lgdf{0f ug{ shf{ nufgL ug{'kg]{ ePdf ;DalGwt If]qLo
sfof{nosf] k"j{ :jLs[lt lng' kg]{5 .
7. 3/ lgdf{0f ug{ Ohfht lnPsf] JolQm jf lghsf] Psf3/sf kl/jf/sf] ;b:onfO{ of] shf{ k|bfg ug{ ;lsg]5 .
3/ lgdf{0f ug{ Ohfht lnPsf] JolQm jf hUufwgL shf{ u|fxs gePdf lghsf] ;d]t clgjfo{?kdf JolQmut
hdfgt / d~h"/Lgfdf lng' kg]{5 .
8. [shf{ nufgL x'g] If]q ævÆ jf æuÆ ju{df k/]sf t/ cfjf; shf{sf nflu pko'Qm ;fdflhs tyf
ef}lts k"jf{wf/sf] ljsf; ePsf] If]qsf] xsdf ;DalGwt sfof{nosf] l;kmfl/zdf æsÆ ju{sf] If]qdf
shf{ nufgL ug{ ;lsg] clwstd ;Ldf;Ddsf] /sd shf{ nufgL ug{sf] nflu k|b]z sfof{non]
:jLs[lt k|bfg ug{ ;Sg]5 . ] 240
9. [shf{sf] clwstd ;Ldf sfod ubf{ lwtf] /sd ck'u x'g ;Sg]5 . t/ lgdf{0f eO{ ;s]kl5 a}+s lgodfg';f/
d"Nof+sg x'g] 3/hUufsf] d"Nof+lst /sdn] shf{ /sdnfO{ clgjfo{ ?kdf vfDg' kg]{5 .
10. s"n shf{ ;Ldf /sdsf] lwtf] b[li6aGws ug{' kg]{5 . ] 241

239
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ pNn]lvt 3/sf] b/df $) k|ltzt b/ 36fO{ d"Nof+sg u/L shf{ nufgL ug{ afwf k'Ug] 5}g
.Æk|ltZyflkt
240
k|d'v sfo{sf/L :t/sf] ldlt @)&^.!!.!@ sf] lg0f{o adf]lhd yk ul/Psf]
241
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 109

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

@)= 3/ vl/b shf{ House Purchase Loan
sfof{nosf] sfo{If]qleqsf] 3/ -3/÷ˆnof6÷ckf6{d]G6_ vl/b ug]{ shf{ kfpgof]Uo ^% jif{
shf{ u|fxs
pd]/ ggf3]sf] g]kfnL gful/s
shf{sf] k|of]hg 3/÷ˆnof6÷ckf6{d]G6 vl/b ug{
s_ vl/b ul/g] 3/÷ˆNof6÷ckf6{d]G6 sfof{nosf] sfo{If]q leqsf] cfjf;Lo 3/ x'g' kg]{5 .
v_ ;DalGwt lgsfoaf6 3/ lgdf{0f ;DkGgtfsf] k|df0fkq lnPsf] x'g' kg]{5 .
u_ vl/b x'g] 3/sf] lgdf{0f ePsf] cjlw @) jif{eGbf sd x'g' kg]{5 .
shf{sf] nflu 3_ vl/b x'g] 3/ cf/=l;=l;=5fgf ;lxtsf] cf/=l;=l;=k|m]d :6«Sr/ ePsf] x'g' kg]{5 .
of]Uotf ª_ [vl/b x'g] 3/ !) km'6sf] af6f]n] hf]l8Psf] x'g' kg]{5 . !) km'6eGbf ;fgf] af6f] ePdf
k|b]z sfof{nosf] :jLs[lt clgjfo{ x'g]5 . $ km'6eGbf ;fgf] af6f]df shf{ k|jfx ug{
kfOg] 5}g . ] 242
r_ ˆNof6 vl/bsf] xsdf ˆNof6sf] sfg"gL?kdf :jfldTj x:tfGt/0f x'g;Sg] x'g' kg]{5 .
5_ vl/b ul/g] 3/÷ˆNof6sf] d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{
x'g' kg]{5 .
shf{sf] [-!_ vl/b x'g] 3/sf] a}+s lgodfg';f/sf] s"n d"Nof+lst /sdsf] &) k|ltzt jf y}nL d"No
clwstd -/fhLgfdfdf pNn]lvt d"No_ sf] clwstd *) k|ltzt h'g sd x'G5 pQm /sd;Dd :yL/
;Ldf k"FhL shf{ pknAw u/fpg ;lsg]5 .
-@_ shf{sf] clwstd ;Ldf sfod ubf{ g]kfn /fi6« a}+sn] ;do ;dodf tf]s] adf]lhdsf]
shf{ / lwtf]sf] d"No cg'kft -Loan to Value Ratio_ ;DaGwL lgb]{zgsf] kfngf ug{' kg]{5
. ] 243
shf{ nufgL x'g] If]q [shf{sf] clwstd ;Ldf
shf{ nufgL x'g] æsÆ ju{M dxfgu/kflnsf / ?=!) s/f]8;Dd
If]q cg';f/ shf{ pkdxfgu/kflnsf
:jLs[t ;Ldf ævÆ ju{M gu/kflnsf ?=& s/f]8;Dd
æuÆ ju{M ufpFkflnsf ?=# s/f]8;Dd] 244

242
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ vl/b x'g] 3/ sDtLdf !) km'6sf] af6f]n] hf]l8Psf] x'g' kg]{5 Æ k|ltZyflkt
243
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ vl/b x'g] 3/sf] y}nL d"No -/fhLgfdfdf pNn]lvt d"No_ sf] clwstd *) k|ltzt;Dd
.Æ k|ltZyflkt
244
k|d'v sfo{sf/L :t/sf] ldlt @)&^.!!.!@ sf] lg0f{o adf]lhd b]xfo adf]lhdsf] ;fljs Joj:yf k|lt:yfkg ePsf]df k'gM ;+rfns ;ldltsf] ldlt
@)&&.)@.!& sf] a}7sn] kl/dfh{g u/]sf]
;fljs Joj:yf k|d'v sfo{sf/L :t/sf] ldlt
@)&^.!!.!@ df kl/dfh{g ePsf]
shf{ nufgL x'g] If]q shf{sf] clwstd ;Ldf shf{sf] clwstd ;Ldf
æsÆ ju{M dxfgu/kflnsf / pkdxfgu/kflnsf !)) nfv;Dd ?=!%) nfv;Dd
ævÆ ju{M gu/kflnsf *) nfv;Dd ?=!)) nfv;Dd
æuÆ ju{M ufpFkflnsf %) nfv;Dd ?=&% nfv;Dd

110 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

shf{sf] cjlw [vl/b x'g] 3/sf] lgdf{0f ePsf] cjlw %) aif{ ggf3\g] u/L % jif{b]lv @) jif{;Dd ] 245.
shf{ gjLs/0f shf{ gjLs/0f ug{ g;lsg] .
shf{sf] k|s[lt cfjlws, Non Revolving k|s[ltsf] x'g] .
shf{ k|bfg u|fxs jf lghsf] Psf3/sf kl/jf/sf ;b:ox?sf] jflif{s cfo / shf{ ltg{;Sg] Ifdtf .
ug]{ cfwf/
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
tyf cGo
z'Ns
shf{sf]
[dfl;s÷] 246q}dfl;s÷cw{jflif{s÷ Equated Monthly Installment (EMI)
ls:tf e'QmfgL
lwtf] k|fylds vl/b x'g] 3/ / ;f]n] rr]{sf] hUuf -clgjfo{_ / cfjZostfcg';f/ cGo 3/hUuf .
;'/If0f ;xfos u|fxssf] Psf3/sf kl/jf/sf ;b:ox?sf] JolQmut hdfgt
s_ shf{sf zt{x? kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
v_ vl/b x'g] 3/sf] k|rlnt ahf/ b/ cg';f/ y}nL d"No sfod eP÷gePsf] x]g{' kg]{5 .
shf{sf] cg'udg
u_ /fhLgfdf /lhi6«]zgsf] k|ltlnkL / gfd;f/L ePsf] 3/ lgdf{0f ;DkGg k|df0fkq ;d]t lnO{
ldl;ndf cBfjlws ug'{ kg]{5 .
yk Joj:yfM
1. of] shf{ Psf3/ kl/jf/leq ! -Ps_ hgfnfO{ dfq k|bfg ug{ ;lsg]5 .
2. u|fxsn] cfDbfgLsf] >f]t :ki6 v'n]sf] k|df0f k]z ug'{ kg]{5 / ;fy} shf{ ljZn]ifsn] cfjZostfcg';f/
;f]sf] k|df0fLs/0f ug'{ kg]{5 .
3. 3/ lalqm ug]{ JolQmsf] cg';"rL -@&=!_ cg';f/sf] 3/ ljlqm ug]{ dg;fo ;lxtsf] lgj]bg / gful/stfsf]
k|df0f–kqsf] k|ltlnkL k]z ug'{ kg]{5 .
4. vl/b ul/g] 3/ u|fxssf] gfddf /flhgfdf kf; eO{ a}+ssf] gfddf b[li6aGws kf; ePkZrft ljq]mtfnfO{ /sd
e'QmfgL ul/lbPdf d~h"/L 5 eGg] cfzosf] u|fxsaf6 lgj]bg lng' kg]{5 .
5. 3/ vl/b ug{ a}gf u/L ;s]sf] eP ;f]sf] k|ltlnkL lng' kg]{5 .
6. vl/b ug{ nfu]sf] 3/ g} lwtf] :j?k /xg] x'Fbf To:tf] 3/hUufsf] nflu lwtf] lng kfpg] xbDofbsf] aGb]h nfu"
x'g] 5}g . ljq]mtfsf] cfˆgf] :jfldTjdf cfpbfsf] xbDofb eg] k"/f ePsf] x'g' kg]{5 .
7. vl/b ug{ nfu]sf] 3/ u|fxssf] gfddf /flhgfdf kf; e} a}+ssf] gfddf b[li6aGws kf; / /f]Ssf ePkl5
u|fxssf] gfddf :jLs[t ePsf] shf{ /sd ljq]mtfnfO{ Account Payee r]s dfkm{t\ jf ljq]mtfsf] o; a}+sdf
/x]sf] vftfdf hDdf u/L lbg' kg]{5 .
8. ljq]mtfsf] ljZjf;sf] nflu cfjZos k/]df shf{ :jLs[ltsf] hfgsf/Lsf] af]wfy{ ljq]mtfnfO{ lbO{ pQm 3/
a}+ssf] gfddf b[li6aGws kf; x'gf;fy ljq]mtfnfO{ :jLs[t /sd pknAw u/fOg] Joxf]/f pNn]v ug'{ kg]{5 .
9. [shf{ nufgL x'g] If]q ævÆ jf æuÆ ju{df k/]sf t/ 3/ vl/b shf{sf nflu pko'Qm ;fdflhs tyf

245
;+rfns ;ldltsf] ldlt @)&&.)@.!& sf] a}7ssf] lg0f{o adf]lhd æ% jif{, !) jif{ / !% jif{ Æ eGg] Joj:yfnfO{ æ% jif{, !) jif{, !% jif{ /
@) jif{Æ k|ltZyflkt ePsf]df ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd k|ltZyflkt
246
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 111

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

ef}lts k"jf{wf/sf] ljsf; ePsf] If]qx?sf] xsdf ;DalGwt sfof{nosf] l;kmfl/;df æsÆ ju{sf]
If]qdf shf{ nufgL ug{ ;lsg] clwstd ;Ldf;Ddsf] /sd shf{ nufgL ug{sf] nflu k|b]z
sfof{non] :jLs[lt k|bfg ug{ ;Sg]5 . ] 247

247
k|d'v sfo{sf/L :t/sf] ldlt @)&^.!!.!@ sf] lg0f{o adf]lhd yk ul/Psf]

112 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

@!= [hUuf÷] 24838]/L v/Lb shf{ Land Purchase Loan
shf{ u|fxs sfof{nosf] sfo{ If]qleqsf] 38]/L vl/b ug]{ shf{ kfpgof]Uo g]kfnL gful/s [, ;DalGwt
lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L
kmd{÷;+:yf÷sDkgL . ] 249
shf{sf] k|of]hg 3/ lgdf{0f ug{ pko'Qm x'g] 38]/L hUuf vl/b ug{ [tyf 38]/L ljqmL ug]{ p2]Zon] hUuf v/Lb u/L
hUuf ljsf; ug{ ] 250.
shf{sf] clwstd [!_ vl/b x'g] hUufsf] y}nL d"No -/fhLgfdfdf pNn]lvt d"No_ sf] clwstd *) k|ltzt;Dd
;Ldf jf a}+ssf] s"n d"Nof+lst /sd -dflh{g gs6fPsf]_ h'g sd x'G5 .
@_ JolQmut u|fxssf] nflu clwstd ;Ldf ?=% s/f]8;Dd / ;+:yfut u|fxssf] nflu
clwstd ;Ldf ?=%) s/f]8;Dd .
#_ shf{sf] clwstd ;Ldf sfod ubf{ g]kfn /fi6« a}+sn] ;do ;dodf tf]s] adf]lhdsf] shf{
/ lwtf]sf] d"No cg'kft -Loan to Value Ratio_ ;DaGwL lgb]{zgsf] kfngf ug{' kg]{5 .] 251
shf{ cjlw [JolQmut shf{ u|fxssf] xsdf clwstd !) jif{
;+:yfut shf{ u|fxssf] xsdf clwstd % jif{ ] 252
shf{ gjLs/0f shf{ gjLs/0f ug{ g;lsg] .
shf{sf] ls:tf
e'QmfgL [dfl;s÷] 253q}dfl;s÷cw{jflif{s÷Equated Monthly Installment (EMI)
shf{sf] k|s[lt cfjlws, Non Revolving k|s[ltsf] x'g] .
s_ jflif{s cfosf] >f]t v'n]sf] k|df0f k]z ePsf] x'g' kg]{5 .
shf{sf] nflu v_ vl/b x'g] 38]/LhUuf dxfgu/kflnsf÷pkdxfgu/kflnsf÷gu/kflnsf[÷ufpF kflnsf] 254sf]
of]Uotf ;fdflhs tyf ef}lts k"jf{wf/sf] ljsf; ePsf] zx/L If]qsf] sDtLdf !# km'6sf] af6f]n]
hf]l8Psf] x'g' kg]{5 .
u_ vl/b x'g] 38]/L hUufsf] sfg"gL?kdf :jfldTj x:tfGt/0f x'g;Sg] x'g' kg]{5 .
[3_ s[lif If]qdf gk/]sf] cfjf;Lo If]q sfod ePsf] . ] 255
shf{ k|bfg ug]{ u|fxssf] jflif{s cfo / shf{ ltg{;Sg] Ifdtf .
cfwf/

248
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
249
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
250
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
251
k|d'v sfo{sf/L :t/sf] ldlt @)&^.!!.!@ sf] lg0f{o adf]lhd æ^) k|ltzt;Dd jf ?=! s/f]8 h'g sd x'G5Æ nfO{ k|lt:yfkg ul/ æ%)
k|ltzt;Dd jf ?=!%) nfv h'g sd x'G5Æ ePsf]df ;+rfns ;ldltsf] ldlt @)&&.)@.!& sf] a}7sn] æ!%) nfvÆ zJb k|ltZyflkt u/L æ%
s/f]8Æ ePsf]df ;f] Joj:yfnfO{ ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd k|ltZyflkt ul/Psf]
252
k|d'v sfo{sf/L :t/sf] ldlt @)&^.!!.!@ sf] lg0f{o adf]lhd æ clwstd !) jif{ Æ nfO{ æ clwstd !) aif{ Æ n] k|lt:yfkg u/]sf]df
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd k|ltZyflkt ePsf] .
253
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
254
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
255
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 113

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg' kg]{5
Jofhb/ / e'QmfgL
.
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds vl/b x'g] hUuf / cfjZostfcg';f/ cGo 3/hUuf .
;'/If0f ;xfos u|fxssf] Psf3/ kl/jf/sf ;b:ox?sf] JolQmut hdfgt
lwtf] ;'/If0fsf]
3/ ;d]t lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
aLdf
shf{sf] cg'udg shf{sf zt{x?sf] kfngf ePgePsf] cg'udg ug'{ kg]{5 .
yk Joj:yfM
1. u|fxsn] cfDbfgLsf] >f]t :ki6 v'n]sf] k|df0f k]z ug'{ kg]{5 ;fy} shf{ ljZn]ifsn] cfjZostfcg';f/ ;f]sf]
k|df0fLs/0f ug'{ kg]{5 .
2. hUuf lalqm ug]{ JolQmsf] cg';"rL -@&=@_ cg';f/sf] hUuf lalqm ug]{ dg;fo ;lxtsf] lgj]bg, gful/stfsf]
k|df0fkqsf] k|ltlnkL / kmf]6f] k]z ug'{ kg]{5 .
3. vl/b ul/g] hUuf u|fxssf] gfddf /fhLgfdf kf; eO{ a}+ssf] gfddf b[li6aGws lnvt kf; ePkZrft
ljq]mtfnfO{ /sd e'QmfgL ul/lbPdf d~h"/L 5 eGg] cfzosf] u|fxsaf6 lgj]bg lng' kg]{5 .
4. hUuf vl/b ug{ a}}gf u/L ;s]sf] eP ;f]sf] k|ltlnkL lng' kg]{5 .
5. vl/b ug{ nfu]sf] hUufg} lwtf] :j?k /xg] x'Fbf o:tf] hUufsf] nflu lwtf] lng kfpg] xbDofbsf] aGb]h nfu" x'g]
5}g . ljq]mtfsf] cfˆgf] :jfldTjdf cfpbfsf] xbDofb eg] k"/f ePsf] x'g' kg]{5 .
6. vl/b ug{ nfu]sf] hUuf u|fxssf] gfddf /fhLgfdf kf; eO{ a}+ssf] gfddf b[li6aGws lnvt kf; / /f]Ssf
ePkl5 u|fxssf] gfddf :jLs[t ePsf] shf{ /sd ljq]mtfnfO{ Account Payee r]s dfkm{t\ jf ljq]mtfsf] o;
a}+sdf /x]sf] vftfdf hDdf u/L lbg' kg]{5 .
7. ljq]mtfsf] ljZjf;sf] nflu cfjZos k/]df shf{ :jLs[ltsf] hfgsf/Lsf] af]wfy{ ljq]mtfnfO{ lbO{ pQm 38]/L
hUuf a}+ssf] gfddf b[li6aGws lnvt kf; x'gf;fy ljq]mtfnfO{ :jLs[t shf{ /sd pknAw u/fOg] Joxf]/f
pNn]v ug'{ kg]{5 .
8. olb shf{ u|fxs sfof{nosf] sfo{ If]qleqsf] :yfoL afl;Gbf gePdf sfof{nosf] sfo{If]q leqsf] :yfoL
afl;Gbf ePsf] lghnfO{ /fd|f];Fu lrGg] JolQmaf6 clgjfo{?kdf JolQmut hdfgt lng' kg]{5 . JolQmut hdfgt
lbg] JolQmsf] gful/stfsf] k|df0fkq, hUufwgL btf{ k|df0f k'hf{sf] k|ltlnkL / kmf]6f] ;d]t lng' kg]{5 .

114 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

@@= Joj;flos ejg tyf xfplhË shf{
sfof{nosf] sfo{If]q leq a;f]jf; u/]sf] shf{ kfpgof]Uo g]kfnL gful/s, ;DalGwt
shf{ u|fxs lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L
kmd{÷sDkgL[÷;+:yf] 256 -h;nfO{ Developer klg elgg]5 ._
gu/ ljsf; sfof{non] tf]s]sf k|rlnt dfkb08x? k"/f ug]{ u/L Ohfhtkq k|fKt ;+:yfaf6
shf{sf] k|of]hg :jLs[lt k|fKt u/L Joj;flos k|of]hgsf nflu lgdf{0f x'g] 7"nf k|s[ltsf ejgx? jf
xfplhËdf lgld{t cfjf;Lo ejgx? lgdf{0f ug{ tyf To:tf ejgx? vl/b [ug{ / ejgx?
lgdf{0fsf nflu cfjZos kg]{ hUuf vl/b] 257 ug{sf nflu .
shf{sf] k|s[lt cfjlws, Non Revolving k|s[ltsf] x'g] .
[-s_ ejg jf ckf6{d]G6x? lgdf{0f ug{ ;DalGwt lgsfoaf6 :jLs[t
Architectural/Structural Drawing ;lxtsf] s"n nfut cg'dfg -Total Cost
shf{sf] clwstd Estimate_ sf] clwstd &) k|ltzt;Dd . clwstd ;Ldf g]kfn /fi6« a}+ssf]
;Ldf lgb]{zg adf]lhd km/s ePdf ;f]xL adf]lhd x'g]5 .
-v_ vl/b x'g] 7"nf ejgx?sf] xsdf a}+s lgodfg';f/sf] s'n d"Nof+sgsf] &)
k|ltzt;Dd jf y}nL d"No -/fhLgfdfdf pNn]lvt d"No_ h'g sd x'G5 .
-u_ shf{sf] clwstd ;Ldf sfod ubf{ g]kfn /fi6« a}+sn] ;do ;dodf tf]s]
adf]lhdsf] shf{ / lwtf]sf] d"No cg'kft -Loan to Value Ratio_ ;DaGwL
lgb]{zgsf] kfngf ug{' kg]{5 . ] 258
shf{sf] cjlw clwstd [@%] 259 jif{;Dd .
shf{ gjLs/0f gjLs/0f ug{ g;lsg] .
shf{sf] ls:tf
e'QmfgL [dfl;s÷] 260q}dfl;s jf cw{jflif{s÷Equated Monthly Installment (EMI)
tf]lsPsf] shf{ cjlwdf ga9\g] u/L a9Ldf @ jif{;Ddsf] x'g;Sg] . -lgdf{0f ug{ lbPsf]
u|]; cjlw
shf{sf] nfludfq_
shf{ k|bfg ug]{
u|fxs jf lghsf] Psf3/ kl/jf/sf ;b:ox?sf] jflif{s cfo .
cfwf/
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg' kg]5{ .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds lgdf{0f x'g] kl/of]hgf / 3/÷hUuf tyf cGo
;'/If0f ;xfos JolQmut hdfgt

256
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
257
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
258
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd
æ s_ lgdf{0f ug{ nfluPsf] ejg jf ckf6{d]G6x? lgdf{0f ug{ ;DalGwt lgsfoaf6 :jLs[t Architectural/Structural Drawing ;lxtsf] Total
Cost Estimate sf] clwstd ^) k|ltzt;Dd .
v_ vl/b x'g] 7'nf ejgx?sf] xsdf y}nL d"No -/fhLgfdfdf pNn]lvt d"No_ sf] clwstd ^) k|ltzt;Dd .Æ k|ltZyflkt ePsf]
259
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ!)Æ k|ltZyflkt ePsf]
260
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 115

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

lwtf] ;'/If0fsf] s_ lgdf{0f ePsf] kl/of]hgfsf] d"Nof+sg a/fa/sf] a}+s a]lglkml;o/L x'g] u/L aLdf lgoldt
aLdf x'g' kg]{5 .
v_ cGo 3/ ;d]t lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf
clgjfo{ x'g' kg]{5 .
s_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
v_ kl/of]hgf lgdf{0f eP÷gePsf] cg'udg ug'{ kg]{5 .
u_ lgdf{0f sfo{ k|ultsf] cfwf/df shf{sf] ls:tf /sd k|jfx ug'{ kg]{5 . ls:tf /sd
k|bfg ubf{ lgdf{0f ePsf] cj:yf / ;f]df ePsf] vr{nfO{ cfwf/ dfGg'kg]{5 . vr{ ePsf]
shf{sf] cg'udg
cflwsfl/s ;Ssn ljn / ltg{k' g]{ lx;fa vftfsf] PsLg ;d]t ug'{ kg]{5 . t/ vl/b ug]{
sfo{sf nflu k|bfg x'g] shf{sf] xsdf Ps}k6s shf{ k|jfx ug{ ;lsg]5 .
3_ :6ssf] ljj/0f, cjlw cg';f/sf] cf;fdL vftfsf] ljj/0f / ltg{k' g]{ lx;fjsf] ljj/0f
lnO{ ldl;ndf cBfjlws ug'{ kg]{5 .
yk Joj:yfM
1. a}b]lzs nufgL cGtu{tsf] ;+o'Qm nufgL ePdf k|rlnt sfg"g adf]lhd x'g]5 .
2. h'g :yn -If]q_ df ejg lgdf{0f ug{ nfluPsf] xf] Tof] :yn -If]q_ sf] [cfjZostf cg';f/ Soil Test
ul/Psf] x''g' kg]{5 . ?=!) s/f]8eGbf a9L /sdsf] shf{ :jLs[t ubf{ clgjfo{?kdf Seismic Analysis ;d]t
ug{' kg]{5 . ] 261
3. kl/of]hgfsf] ljQLo, k|fljlws tyf jftfj/0fLo ;DefJotfsf] lj:t[t ljZn]if0fsf cfwf/dfdfq d'Vo
sfof{noaf6 shf{ :jLs[t u/fpg' kg]{5 . a}+sn] :jLs[t ug]{ s'n shf{ ;Ldfsf]nflu cfjZos kg]{ a}+s
lgodfg';f/sf] lwtf]sf] slDtdf [@)] 262 k|ltzt a/fj/sf] crn ;DklQ lwtf] u|fxsn] z'?df lbg' kg{]5 .
4. [-s_ kl/of]hgf:yn u|fxssf] cfˆg} gfdsf] jf ;DalGwt kmd{sf] xsdf k|f]k|fO6/÷;fem]bf/ jf lghsf
Psf3/sf kl/jf/sf] gfddf /x]sf] x'g' kg]{5 . u|fxs ;+:yf jf sDkgL ePdf ;f]xL ;+:yf jf sDkgLsf]
gfddf /x]sf] lwtf] x'g' kg]{5 . kl/of]hgf:yn lnhdf lnPsf] hUuf ;d]t x'g]5 .
-v_ lnhdf lnPsf] hUufdf kl/of]hgf lgdf{0f x'g] cj:yfdf kl/of]hgf / cGo rn÷crn ;DklQ lwtf]
lng' kg]{5 . ] 263
5. [u|fxsn] kl/of]hgfdf vr{ u/]sf] /sdnfO{ :jnfutsf] ?kdf u0fgf ug{ ;lsg]5 . u|fxsn] :jLs[t kl/of]hgf
cGtu{t cfkm"n] nufpg' kg{] /sd vr{ u/L lgdf{0f ePsf] ef}lts ;+/rgf tyf vl/b u/]sf] ldn d]l;g/L,
;DklQsf] ljj/0f a}+sdf k]z u/]sf] cj:yfdf pQm ljj/0f a}+snfO{ dfGo ePdf a}+ssf] ;"rLs[t lwtf]
d"Nof+sgstf{af6 k|rlnt ahf/ d"No -dfnkf]t b/nfO{ ;dfof]hg ug{ cfjZos kg]{ 5}g_ sf cfwf/df d"Nof+sg
u/fO{ g]kfn rf6{8 Psfp06]G6 ;+:yfdf btf{ ePsf] rf6{8 Psfp06]G6af6 k|dfl0ft u/fO{ a}+s sd{rf/Ln] ;d]t lwtf]
;ldIff ug'{ kg]{5 . cfoft ul/Psf] ldn, d]l;g/L tyf ;DklQ÷;fdfgx?sf] xsdf Jofkfl/s lan÷k|1fkg–kq
Pj+ :jb]zdf vl/b u/]sf] ldn d]l;g/L tyf cGo ;DklQ÷;fdfgx?sf] xsdf VAT lansf] cfwf/df ug{' kg]{5 .
] 264

261
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ Soil Test ul/Psf] x''g'kg]{5 Æ k|ltZyflkt ePsf]
262
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ$)Æ k|ltZyflkt ePsf]
263
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd ækl/of]hgf:yn u|fxssf] cfˆg} gfddf /x]sf] x'g' kg]{5 ;fy} kl/of]hgf:yn ;d]t clgjfo{
lwtf]sf] ?kdf lng' kg]{5 . kl/of]hgfsf] s"n nfut cg'dfgsf] a9Ldf ^) k|ltzt;Dd a}+sn] shf{ nufgL ug{ ;Sg]5 .Æ k|ltZyflkt ePsf]
264
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ:jLs[t kl/of]hgf cGtu{t u|fxsn] nufpg'kg{] :jnfut /sd kl/of]hgfdf vr{ u/L sfo{
k|ultsf] cfwf/df u|fxsn] k]z u/]sf] /lgª lannfO{ a}+ssf OlGhlgo/ jf ;"rLs[t lwtf] d"Nof+sgstf{ OlGhlgo/af6 r]s hfFr u/fO{ cg'df]bg u/L vr{ ePsf]
/sdnfO{ $) k|ltzt :jnfut dflg afFsL ^) k|ltzt /sd;Dd ls:tf e'QmfgL ug{ ;lsg]5 .Æ k|ltZyflkt ePsf]

116 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

6. shf{sf] ls:tf /sd shf{ ;b'kof]lutf tyf u|fxsn] lgdf{0f cjlw;Dd nfu]sf] s"n vr{ /sd a/fa/sf]
/lgË ljnsf] cfwf/dfdfq k|bfg ug'{ kg]{5 .
7. lwtf]n] vfDg]eGbf a9L /sd shf{ nufgL ul/g] 5}g t/ o;cl3 a}+ssf] shf{ nufgL ePkl5 lgdf{0f ePsf]
kl/of]hgfsf] yk d"Nof+sg u/L ;f];d]tn] vfDg] /sd;Ddsf] shf{ nufgL ug{nfO{ afwf k'Ug] 5}g .
8. xfplhË If]qdf lgld{t cfjf;Lo ejgx? a}+ssf] u|fxsn] cfjf;Lo ejgx? vl/bstf{af6 lng'kg]{ ;Dk"0f{
/sd c;"n u/]kl5 pQm v/Lbstf{nfO{ a}+sdf /f]Ssf /x]sf] lwtf]dWo] s'g} ejg km's'jf ug{'k/]df u|fxsn]
Joj;flos sfo{ of]hgf k]z ubf{sf] avtsf] [laqmL d"No Sales Value sf] &) k|ltzt ] 265 a/fa/sf]
/sd shf{ s§L ug]{ k|of]hgsf] nflu a}+sdf hDdf u/]kl5dfq pQm ejg km's'jf ug'{ kg]{5 .
9. cfjf;Lo ejg jf ckf6{d]06 vl/bstf{n] ;d]t a}+saf6 shf{ pkef]u ug{ rfx]df lghsf] cfDbfgLsf]
;|f]tnfO{ cfwf/ dfgL ;f]xL ejg tyf ckf6{d]06 ;d]t lwtf]sf] ?kdf :jLsf/ ug]{ cj:yfdf pQm ejgsf]
v/Lb d"Nosf] cfwf/df a9Ldf [&)]266 k|ltzt;Dd shf{ nufgL ug{ ;lsg]5 . v/Lb d"Nosf] sDtLdf
[#)]267 k|ltztn] x'g] /sd v/Lbstf{af6 u|fxs -ljqm]tf÷ Developer_ sf] a}+sdf /x]sf] vftfdf hDdf
u/fO{ ;f] a/fa/sf] /sdn] shf{ s§L ug'{ kg]{5 . v/Lb d"Nosf] [&)] 268 k|ltztsf] /sd v/Lbstf{sf]
gfddf shf{ :jLs[t u/L Developer sf] gfddf /x]sf] afFsL shf{ /sd a/fa/sf] ls:tf /sd v/Lbstf{sf]
gfddf shf{ hgfO{ Developer sf] shf{ s§L u/L dfly bkmf * cg';f/ km's'jf ug{ ldNg] vl/b x'g]
ejg÷hUuf km's'jf ug'{ kg]{5 . km's'jf u/]sf] pQm ejg÷hUuf ;f]xL lbgdf g} v/Lbstf{sf] gfddf gfd;f/L
eO{ a}+ssf] gfddf b[l6aGws lnvt kf; eO{ cfP kZrft\ afFsL shf{ /sd v/Lbstf{nfO{ k|jfx ug'{ kg]{5 .
Developer sf] lwtf] km's'jf x'g'cl3 pk/f]Qm cg';f/sf] lwtf] km's'jf ug{ / afFsL shf{ ltg]{ k|ltj4tf
;lxtsf] lgj]bg Developer af6 lng' kg]{5 . o; ;DaGwL cGo Joj:yf a}+ssf] k|rlnt 3/ vl/b shf{sf]
Product paper df pNn]v ePcg';f/ x'g]5 .
10. kl/of]hgf:yn / pQm kl/of]hgf:yndf lgdf{0f x'g], h8fg x'g] jf ljsf; ul/g] ;DklQx?sf] a}+s a]lglkml;o/L
x'g] u/L aLdf clgjfo{ x'g' kg]{5 ;fy} o;/L ul/Psf] aLdf lgoldt x'g' kg]{5 . jLdf z'Ns tyf gjLs/0f z'Ns
/sd u|fxs :jo+n] g} Joxf]g{' kg{]5 .
11. a}+s shf{ tyf u|fxssf] tkm{af6 nufgL eO{ v/Lb x'g], lgdf{0f x'g] jf ljsf; x'g] ;DklQx? :jtM a}+sdf lwtf]
/xg] x'Fbf To; k|sf/sf] ;DklQx? a}+ssf] shf{ r'Qmf geP;Dd c? s;}nfO{ s'g} klg k|of]hgsf] nflu lwtf]
aGws /fVg kfOg] 5}g .
12. kl/of]hgfsf] lgdf{0f sfo{ ;DkGg ePkl5 ;f]sf] a}+ssf] ;"rLs[t lwtf] d"Nof+sgstf{Aff6 clGtd d"Nof+sg
u/fO{ a}+saf6 lwtf] ;ldIff ;d]t u/L a}+ssf] gfddf lwtf] b[li6aGws lnvt kf;÷/f]Ssf ug'{ kg]{5 .
13. vl/b ug{ nfu]sf] ejg u|fxssf] gfddf /fhLgfdf kf; eO{ a}+ssf] gfddf b[li6aGws kf; / /f]Ssf ePkl5
u|fxssf] gfddf :jLs[t ePsf] shf{ /sd ljq]mtfnfO{ Account Payee r]s dfkm{t\ jf ljq]mtfsf] o; a}+sdf
/x]sf] vftfdf hDdf u/L lbg' kg]{5 .
o; ;DaGwL cGo Joj:yf sfo{ljlwsf] bkmf -%(_ adf]lhd x'g]5 .

265
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ sales value sf] ^) k|ltzt Æ k|ltZyflkt ePsf]
266
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ^)Æ k|ltZyflkt ePsf]
267
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ$)Æ k|ltZyflkt ePsf]
268
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ^)Æ k|ltZyflkt ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 117

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

@#= z}lIfs shf{ Education Loan
sfof{nosf] sfo{If]qleq [..] 269a;f]jf; u/]sf] / :jb]z jf ljb]zdf pRr lzIff xfl;n
shf{ u|fxs ug{, ;Lkd'ns Pj+ k|fljlws tflnd lng rfxg] ljBfyL{ tyf lghsf Psf3/sf kl/jf/sf
;b:ox? .
shf{sf] k|of]hg cWoog÷cg';Gwfg÷tflnd
ljBfyL{sf] Go"gtd
P;=Pn=;L=jf ;f] ;/x
z}lIfs of]Uotf
cWoog÷
8fFs6/, kz' lrlsT;s, gl;{Ë, OlGhlgo/, sDKo'6/ ;fOG;, ;"rgf k|ljlw, kfOn6, rf6{8
cg';Gwfg÷
PsfpG6]G6, Joj:yfkg, sfg"g, lj1fg, s[lif lj1fg, dfgljsL tyf cGo ljifox? .
tflndsf ljifox?
shf{sf] clwstd ;DalGwt cWoog ;+:yfgn] cflwsfl/s ?kdf tf]s]sf] s'n z'Ns /sdsf] clwstd *)
;Ldf k|ltzt;Dd .
shf{sf] cjlw [cWoog÷cg';Gwfg÷tflnd ug{ nfUg] ;do cjlw ;dfKt ePsf] ldltn] yk % jif{;Dd .
] 270
shf{sf] ls:tf
e'QmfgL [dfl;s÷] 271q}dfl;s÷cw{jflif{s÷jflif{s÷ Equated Monthly Installment (EMI)
u|]; cjlw [cfjZostf cg';f/ a9Ldf cWoog ug{ nfUg] ;do cjlw;Dd . ] 272
shf{ gjLs/0f gjLs/0f ug{ g;lsg]
shf{sf] k|s[lt cfjlws, Non Revolving k|s[ltsf] x'g] .
shf{ k|bfg ug]{
u|fxs jf lghsf] Psf3/sf kl/jf/sf ;b:ox?sf] jflif{s cfo
cfwf/
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg' kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds 3/÷hUuf tyf cGo .
;'/If0f ;xfos z}lIfs k|df0fkqx?÷u|fxssf] Psf3/sf kl/jf/sf ;b:ox?sf] JolQmut hdfgt
lwtf] ;'/If0fsf]
3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
aLdf
shf{sf] cg'udg shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .

269
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ:yfoL?kdf 3/ eO{ Æ x6fOPsf]
270
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ clwstd & jif{ jf cWoog÷cg';Gwfg÷tflnd ug{nfUg] ;do cjlw h'g sd x'G5 Æ
k|ltZyflkt ePsf]
271
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
272
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ cWoog ug{ nfUg] ;do cjlwsf] cfwf cjlw jf clwstd # jif{dWo] h'g sd x'G5 .Æ
k|ltZyflkt ePsf]

118 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

yk Joj:yfM
1. cg';"rL -$_ df tf]lsPsf sfuhftx?sf cltl/Qm cWoog ug{ hfg] JolQmn] k|fKt u/]sf] P;=Pn=;L=/ ;f]eGbf
dflysf] z}lIfs k|df0fkqx?, cWoog ug{ hfg] b]z, cWoog ;+:yf, ljifo, s"n nfut ;lxtsf]] ;DalGwt
ljBfyL{sf] gfddf lbPsf] Offer Letter, ljb]zdf cWoog ug]{ JolQmsf] xsdf kf;kf]6{sf] k|ltlnlk lng' kg]{5 .
2. ljBfyL{sf] gfddf g} shf{ :jLs[t x'g] ePdf lghsf] Psf3/sf kl/jf/sf ;b:on] shf{sf] ;fFjf jf ;f]sf]
ls:tf /sd tyf dfl;s Jofh a'emfpg u/]sf] lnlvt k|ltj4tf ;d]t lng' kg]{5 .
3. cfDbfgLsf] >f]t :ki6 v'n]sf] k|df0f k]z ug'{ kg]{5 ;fy} shf{ ljZn]ifsn] cfjZostfcg';f/ ;f]sf]
k|df0fLs/0f ug'{ kg]{5 .
4. [olb shf{ u|fxs sfof{nosf] sfo{ If]qleqsf] :yfoL afl;Gbf gePdf sfof{nosf] sfo{If]q leqsf]
lghnfO{ /fd|f];Fu lrGg] :yfoL afl;Gbfaf6 clgjfo{?kdf JolQmut hdfgt lng' kg]{5 . JolQmut hdfgt
lbg] JolQmsf] gful/stfsf] k|df0fkq / kmf]6f] ;d]t lng' kg]{5 . ] 273

273
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 119

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

@$= xfo/ kr]{h shf{ Hire Purchase Loan
sfof{nosf] sfo{If]qleq :yfoL?kdf 3/ eO{ a;f]jf; u/]sf] shf{ kfpgof]Uo g]kfnL gful/s,
shf{ u|fxs ;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L
kmd{÷sDkgL .
shf{sf] k|of]hg [Joj;flos p2]Zosf nflu gofF tyf k'/fgf ;jf/L ;fwg÷x]le OSo'kd]06 vl/b ug{sf
nflu . t/ k'/fgf ;jf/L ;fwg÷x]le OSo'kd]06sf] xsdf pQm ;jf/L ;fwg jf x]le
OSo'kd]06 lgdf{0f ePsf] cjlw clwstd # jif{ ggf3]sf] / k'gM k|of]u ug{ ldNg]
cj:yfsf] x'g' kg]{5 .] 274
;fwgsf] lsl;d 6«s, ldlg6«s, Eofg, a;, ldlga;, /f]n/, a'n8f]h/, qm]g, :sfe]6/,[ 6«ofS6/] 275[tyf
Jofj;flos k|of]hgdf cfpg] cGo ;jf/L ;fwgx? ] 276
shf{sf] clwstd cflwsfl/s l8n/jf6 j|f08 / df]8]n gDj/ pNn]v ePsf] ;jf/L ;fwgsf] ;Ssn Proforma
;Ldf Invoice jf sf]6]zg d"Nosf] *) k|ltzt;Dd .

shf{sf] cjlw clwstd & jif{

shf{sf] ls:tf
dfl;s÷q}dfl;s÷Equated Monthly Intallment (EMI)
e'QmfgL
shf{ gjLs/0f gjLs/0f ug{ g;lsg] .
shf{sf] k|s[lt cfjlws, Non Revolving k|s[ltsf] x'g] .
shf{ k|bfg ug]{
u|fxs jf lghsf] Psf3/sf kl/jf/sf ;b:ox?sf] jflif{s cfo .
cfwf/
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds v/Lb x'g] ;jf/L ;fwg / x]le OSo'kd]06
;'/If0f ;xfos 3/÷hUuf tyf cGo lwtf] / JolQmut hdfgt
s_ ;fwgsf] v/Lb d"No a/fa/sf] a}+s a]lglkml;o/L x'g] u/L aLdf lgoldt x'g' kg]{5 .
lwtf] ;'/If0fsf]
v_ 3/ ;d]t lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g'
aLdf
kg]{5 .

274
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æ Joj;flos p2]Zosf nflu gofF ;jf/L ;fwg / x]le
OSo'kd]06 v/Lb ug{sf nflu .Æ eGg] Joj:yf k|lt:yfkg ePsf]
275
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf]
276
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ cflb Æ k|ltZyflkt ePsf]

120 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

s_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
v_ ;jf/L ;fwg ;DalGwt ?6df ;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 .
u_ vl/b x'g] ;fwgsf] cj:yfsf] cg'udg ug'{ kg]{5 .
shf{sf] cg'udg
u_ æs[lif ljsf; a}+s ln=af6 ljQLo ;xof]u k|fKtÆ egL ;jf/L ;fwgdf pNn]v ePgePsf]
cg'udg ug'{ kg]{5 .
3_ dfl;s Jofh / shf{sf] ls:tf lgoldt gePdf tTsfn c;"nL tfs]tf ug'{ kg]{5 .
yk Joj:yfM
1. [[a}+sdf sf]if jf u}/–sf]ifdf cfwfl/t sf/f]af/sf] ;Ldf :jLs[t u/fO{ a}+s;Fu sf/f]af/ ub}{ cfPsf
u|fxsnfO{ vl/b ul/g] ;jf/L ;fwg / u|fxssf] Psf3/ kl/jf/sf ;b:ox?sf] JolQmut hdfgtdfq lwtf]
lnO{ shf{ nufgL ug{ ;lsg]5 . ] 277 shf{ nufgL ubf{ cflwsfl/s l8n/jf6 j|f08 / df]8]n gDj/
pNn]v ePsf] ;jf/L ;fwgsf] ;Ssn Proforma Invoice jf sf]6]zg d'Nosf] [*)] 278k|ltzt;Dd jf
g]kfn /fi6« a}+sn] ;do ;dodf tf]s] adf]lhd shf{ k|jfx ug{ ;lsg] 5 . t/ [o;] 279 zLif{ssf] ;Dk"0f{
shf{ r'Qmf gx'Fbf;Dd cGo zLif{sdf shf{÷;'ljwf lnbf /fv]sf] lwtf] ;'/If0f b[li6aGws /f]Ssf /fvL /xg'
kg]{5 ;fy} o; Joxf]/fsf] hfgsf/L shf{ u|fxsnfO{ shf{÷;'ljwf :jLs[lt kq dfkm{t\ clgjfo{ ?kdf u/fpg'
kg]{5 . ]280
2. [gofF u|fxssf] xsdf 3/hUuf ;xfos lwtf] lbg g;Sg] cj:yfdf shf{ :jLs[t ug]{ sfof{noeGbf ! tx
dflysf] sfof{no÷txsf] k"j{ :jLs[lt lng' kg]{5 . ] 281
3. u|fxsn] cfDbfgLsf] >f]t :ki6 v'n]sf] k|df0f k]z ug'{ kg]{5 ;fy} shf{ ljZn]ifsn] cfjZostfcg';f/ ;f]sf]
k|df0fLs/0f ug'{ kg]{5 .
5. of] shf{ k|bfg ug{'cl3 ;DalGwt cflwsfl/s l8n/nfO{ lbO{ vl/b x'g] ;jf/L ;fwg a}+ssf] gfddf
gfd;f/L / a}+s a]lglkml;o/L x'g] u/L aLdf eO{ cfP kZrft\ dfq l8n/÷;Knfo;{nfO{ o; a}+sdf /x]sf]
lghsf] vftfdf shf{ /sd hDdf ug'{ kg]{5 jf lghnfO{ r]s dfkm{t\ e'QmfgL lbg' kg]{5 . sf] gd"gf cg';"rL
-@&=#_ / a}+ssf] gfddf gfd;f/Lsf nflu oftfoft sfof{nonfO{ n]lvg] kqsf] gd"gf cg';"rL -@&=$_
adf]lhd x'g]5 .
4. shf{ k|jfx x'g] sfof{nosf] u|fxssf] gfddf o; zLif{sdf /x]sf] shf{ x:tfGt/0f x'g] ePdf To:tf] ;jf/L
;fwg÷x]eL OSo'kd]06 vl/b ug{sf] nflu ;d]t csf]{ gofF u|fxsnfO{ shf{ pknAw u/fpg ;lsg]5 .
5. o; zLif{sdf :jLs[t ePsf] shf{sf] ;Ldf, n=/=/= -nufgLdf /lx/x]sf] /sd_ / shf{sf] cj:yfsf] ;DaGwdf
dfl;s ?kdf If]qLo sfof{nonfO{ l/kf]l6Ë ug'{ kg]{5 .
[^= k'/fgf ;jf/L ;fwg vl/bsf nflu shf{ pknAw u/fpbf cGo a}+ssf] shf{af6 vl/b ;jf/L ;fwg ePdf
277
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ ?=@) nfveGbf dflysf] shf{ :jLs[t u/L shf{ pkof]u ub}{ cfPsf c;n u|fxs jf u}/–
sf]ifdf cfwfl/t sf/f]af/ u/L Ps jif{df sDtLdf ?=% nfv sldzg /sd a'emfPsf u|fxs jf sDtLdf ?=% s/f]8 /sdsf] u}/–sf]ifdf cfwfl/t sf/f]af/sf]
;Ldf :jLs[t u/fO{ a}+s;Fu sf/f]af/ ub}{ cfPsf jf ug]{ u|fxsx?nfO{ If]qLo sfof{nosf] :jLs[lt lnO{ vl/b ul/g] ;jf/L ;fwg / u|fxssf] Psf3/ kl/jf/sf
;b:ox?sf] JolQmut hdfgtdfq lwtf] lnO{ shf{ nufgL ug{ ;lsg]5 . o;/L Æ k|ltZyflkt ePsf]
278
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ &) Æ k|ltZyflkt ePsf]
279
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æof]Æ k|ltZyflkt ePsf]
280
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æIf]qLo sfof{nosf] :jLs[lt lnO{ sfo{If]qleqsf ?=@)
nfveGbf dflysf] shf{ :jLs[t u/L shf{ pkof]u ub}{ cfPsf c;n u|fxsx?nfO{ vl/b ul/g] ;fwg / u|fxssf] Psf3/ kl/jf/sf ;b:ox?sf]
JolQmut hdfgtdfq lwtf] lnO{ shf{ nufgL ug{ ;lsg] 5 . o;/L shf{ nufgL ubf{ cflwsfl/s l8n/jf6 j|f08 / df]8]n gDj/ pNn]v ePsf]
;jf/L ;fwgsf] ;Ssn Proforma Invoice jf sf]6]zg d"Nosf] &) k|ltzt;Dddfq shf{ nufgL ug{ ;lsg] 5 . t/ of] zLif{ssf] ;Dk"0f{ shf{
r'Qmf gx'Fbf;Dd cGo zLif{sdf shf{ lnbf /fv]sf] lwtf] ;'/If0f b[li6aGws /f]Ssf /fvL /xg'kg]{5 .Æ eGg] Joj:yf k|lt:yfkg ePsf]
281
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ cGo u|fxssf] xsdf dfly pNn]v ePadf]lhdsf] ;xfos lwtf] clgjfo{ x'g]5 .Æ
k|ltZyflkt ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 121

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

shf{sf] afFsL /sd;Dd / cGo a}+ssf] shf{ g/x]sf] cj:yfdf cflwsfl/s ljqm]tfn] lgwf{/0f u/]sf] jf
l;kmfl/z u/]sf] d"Nosf] &) k|ltzt;Dd jf g]kfn /fi6« a}+sn] ;do ;dodf tfs] adf]lhd shf{ k|jfx ug{
;lsg] 5 .] 282
[&= 7"nf ;+:yfut shf{{ u|fxs÷lgdf{0f Joj;foLsf] kl/of]hgfsf] nflu cfjZos kg{ ;Sg] 7"nf ;jf/L
;fwg÷lgdf{0f pks/0f÷ldn d]zLg/L cflb vl/b ug{ u|fxssf] cg'/f]wdf Psd'i7 shf{ ;Ldf ljZn]if0fsf
cfwf/df shf{ ;Ldf :jLs[t u/L cflwsfl/s sf]6]zg / k|ltj]bg k|fKt u/L tf]lsPsf] cg'kft leq /xg] u/L
k6s k6s shf{ k|jfx ug{ ;lsg] 5 .] 283

282
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf]
283
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

122 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

@%= c6f] shf{ Auto Loan
sfof{nosf] sfo{If]qleq :yfoL?kdf 3/ eO{ a;f]jf; u/]sf] shf{ kfpgof]Uo g]kfnL gful/s,
shf{ u|fxs ;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L
kmd{÷sDkgL .
shf{sf] k|of]hg JolQmut, kfl/jfl/s jf Joj;flos p2]Zosf nflu gofF [tyf k'/fgf] 284 ;jf/L ;fwg
vl/b ug{ .
v/Lb ul/g] ;jf/L
;fwgsf] lsl;d sf/, lhk, Eofg, lksck, [,ljB'tLo ;jf/L ;fwg] 285 [tyf JolQmut k|of]hgdf cfpg]
cGo ;jf/L ;fwgx? ] 286 .
shf{sf] [-!_] 287[[;+:yfut k|of]hgsf nflu ]288 cflwsfl/s l8n/af6 j|f08 / df]8]n gDj/
clwstd ;Ldf pNn]v ePsf] ;jf/L ;fwgsf] ;Ssn Proforma Invoice jf sf]6]zg d"Nosf] clwstd
&) k|ltzt;Dd .] 289
[-@_ JolQmut k|of]hgsf nflu [cflwsfl/s l8n/af6 j|f08 / df]8]n gDj/ pNn]v ePsf]
;jf/L ;fwgsf] ;Ssn Proforma Invoice jf sf]6]zg d"Nosf] ] 290 clwstd %)
k|ltzt[;Dd] 291 / JolQmut ljB'tLo ;jf/L ;fwgsf] xsdf *) k|ltzt;Dd] 292
[-#_ shf{sf] clwstd ;Ldf sfod ubf{ g]kfn /fi6« a}+sn] ;do ;dodf tf]s] adf]lhd ug{'
kg]{5 .] 293
shf{sf] cjlw clwstd & jif{ .
shf{sf] ls:tf
dfl;s÷q}dfl;s÷Equated Monthly Intallment (EMI)
e'QmfgL
shf{ gjLs/0f gjLs/0f ug{ g;lsg] .
shf{sf] k|s[lt cfjlws, Non Revolving k|s[ltsf] x'g] .
shf{ k|bfg ug{]
u|fxs jf lghsf] Psf3/sf kl/jf/sf ;b:ox?sf] jflif{s cfo .
cfwf/
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .

284
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf]
285 ;+rfns ;ldltsf] ldlt @)&&.)@.!& sf] a}7sn] yk u/]sf] .
286
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ cflb Æ k|ltZyflkt ePsf]
287 ;+rfns ;ldltsf] ldlt @)&&.)@.!& sf] a}7sn] yk u/]sf] .
288
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ cflb Æ k|ltZyflkt ePsf]
289
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æ cflwsfl/s l8n/af6 j|f08 / df]8]n gDj/ pNn]v ePsf]
;jf/L ;fwgsf] ;Ssn Proforma Invoice jf sf]6]zg d"Nosf] *) k|ltzt;Dd .Æ eGg] Joj:yf k|lt:yfkg ePsf]
290
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ;jf/L ;fwg vl/b ug{ pQm ;jf/L ;fwgsf] d"Nosf]Æ k|ltZyflkt ePsf]
291
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
292 ;+rfns ;ldltsf] ldlt @)&&.)@.!& sf] a}7sn] yk u/]sf] .
293
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 123

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds v/Lb x'g] ;jf/L ;fwg
;'/If0f ;xfos 3/÷hUuf tyf cGo lwtf] / JolQmut hdfgt
s_ ;jf/L ;fwgsf] v/Lb d"No a/fa/sf] a}+s a]lglkml;o/L x'g] u/L aLdf lgoldt x'g' kg]{5 .
lwtf] ;'/If0fsf]
v_ 3/;d]t lwtf] ePdf 3/sf] d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{
aLdf
x'g' kg]{5 .
s_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
v_ o; zLif{sdf k|jfx ePsf] shf{sf] u'0f:t/ sfod ug{ ;'Id?kdf lgu/fgL ug]{ u/L
shf{sf] cg'udg
sd{rf/LnfO{ ljz]if lhDd]jf/L tf]Sg'kg]{5 .
u_ dfl;s Jofh / shf{sf] ls:tf lgoldt gePdf tTsfn c;"nL tfs]tf ug'{ kg]{5 .

124 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

yk Joj:yfM
1. [u|fxssf] cfo;|f]tsf] /fd|f] ljZn]if0f u/L vl/b x'g] ;jf/L ;fwg / JolQmut hdfgtdfq lwtf] lnP/ ;d]t
shf{ k|bfg ug{ ;lsg]5 . ] 294
2. [==] 295
3. u|fxsn] cfDbfgLsf] >f]t :ki6 v'n]sf] k|df0f k]z ug'{ kg]{5 / ;fy} shf{ ljZn]ifsn] cfjZostfcg';f/
;f]sf] k|df0fLs/0f ug'{ kg]{5 .
4.of] shf{ k|bfg ug{'cl3 ;DalGwt cflwsfl/s l8n/nfO{ lbO{ vl/b x'g] ;jf/L ;fwg a}+ssf] gfddf gfd;f/L
/ a}+s a]lglkml;o/L x'g] u/L aLdf eO{ cfP kZrft\ dfq l8n/÷;Knfo;{nfO{ o; a}+sdf /x]sf] lghsf]
vftfdf shf{ /sd hDdf ug'{ kg]{5 jf lghnfO{ r]s dfkm{t\ e'QmfgL lbg' kg]{5 . sf] gd"gf cg';"rL -@&=#_
/ a}+ssf] gfddf gfd;f/Lsf nflu oftfoft sfof{nonfO{ n]lvg] kqsf] gd"gf cg';"rL -@&=$_ adf]lhd
x'g]5 .
5. dfly h'g;'s} Joj:yf pNn]v ul/Psf] ePtfklg o; zLif{s cGtu{t a}+ssf] tkm{af6 x'g] shf{ nufgLsf]
clwstd ;Ldf g]kfn /fi6« a}+saf6 ;do ;dodf x'g] lgb]{zg adf]lhd x'g]5 .
6. o; zLif{sdf :jLs[t ePsf] shf{sf] ;Ldf, n=/=/= -nufgLdf /lx/x]sf] /sd_ / shf{sf] cj:yfsf]
;DaGwdf dfl;s ?kdf If]qLo sfof{nonfO{ l/kf]l6{Ë ug'{ kg]{5 .
7. [k'/fgf ;jf/L ;fwg vl/b ug]{ xsdf pQm ;jf/L ;fwg lgdf{0f ePsf] cjlw clwstd # jif{ ggf3]sf] /
k'gM k|of]u ug{ ldNg] cj:yfsf] x'g' kg]{5 .
8. shf{ k|jfx x'g] sfof{nosf] u|fxssf] gfddf c6f] shf{ zLif{sdf /x]sf] shf{ x:tfGt/0f x'g] u/L To:tf]
;jf/L ;fwg vl/b ug{sf] nflu ;d]t csf]{ gofF u|fxsnfO{ c6f] shf{ pknAw u/fpg ;lsg] 5 .
9. k'/fgf ;jf/L ;fwg vl/bsf nflu shf{ pknAw u/fpbf cGo a}+ssf] shf{af6 vl/b ;jf/L ;fwg ePdf
shf{sf] afFsL /sd;Dd / cGo a}+ssf] shf{ g/x]sf] cj:yfdf cflwsfl/s ljqm]tfn] lgwf{/0f u/]sf] jf
l;kmfl/z u/]sf] d"Nosf] [%)] 296 k|ltzt;Dd jf g]kfn /fi6« a}+sn] ;do ;dodf tf]s] adf]lhd shf{
k|jfx ug{ ;lsg] 5 .] 297

294
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd Æ dxfgu/kflnsf, pkdxfgu/kflnsf / gu/kflnsf If]qleq
a;f]af; ug]{ shf{ u|fxsnfO{ v/Lb ul/g] ;jf/L ;fwg / shf{ u|fxssf] Psf3/ kl/jf/sf ;b:ox?sf] JolQmut hdfgtdfq lwtf] lnO{
cflwsfl/s l8n/af6 j|f08 / df]8]n gDj/ pNn]v ePsf] ;jf/L ;fwgsf] ;Ssn Proforma Invoice jf sf]6]zg d"Nosf] &) k|ltzt;Dd
shf{ nufgL ug{ ;lsg] 5Æ eGg] Joj:yfdf Æ sf]6]zg d"Nosf] &) k|ltzt;Dd shf{ nufgL ug{ ;lsg] 5Æ k|ltZyflkt eO{ Æ sf]6]zg
d"Nosf] ^% k|ltzt;Dd jf g]kfn /fi6« a}+sn] ;do ;dodf tf]s] adf]lhd shf{ k|jfx ug{ ;lsg] 5 .Æ k|lt:yfkg ePsf]df ;~rfns
;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd ;Dk'0f{ Joj:yf k|ltZyflkt ePsf]
295
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd Æ cGo u|fxssf] xsdf d'Vo sfof{nosf] :jLs[lt lnO{ vl/b
ul/g] ;jf/L ;fwg / u|fxssf] Psf3/ kl/jf/sf ;b:ox?sf] JolQmut hdfgtdfq lwtf] lnO{ cflwsfl/s l8n/af6 j|f08 / df]8]n gDj/
pNn]v ePsf] ;jf/L ;fwgsf] ;Ssn Proforma Invoice jf sf]6]zg d'Nosf] ^) k|ltzt;Dd shf{ nufgL ug{ ;lsg]5 .æ eGg] Joj:yf
k|lt:yfkg eO{ Æufpkflnsf If]qleq a;f]af; ug]{ shf{ u|fxssf] xsdf If]qLo sfof{nosf] :jLs[lt lnO{ vl/b ul/g] ;jf/L ;fwg / u|fxssf]
Psf3/ kl/jf/sf ;b:ox?sf] JolQmut hdfgtdfq lwtf] lnO{ cflwsfl/s l8n/af6 j|f08 / df]8]n gDj/ pNn]v ePsf] ;jf/L ;fwgsf]
;Ssn Proforma Invoice jf sf]6]zg d'Nosf] ^% k|ltzt;Dd jf g]kfn /fi6« a}+sn] ;do ;dodf tf]s] adf]lhd shf{ k|jfx ug{ ;lsg] 5
. Æ Joj:yf ul/Psf]df ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd x6fOPsf]
296
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd Æ^% Æ k|ltZyflkt ePsf]
297
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 125

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

@^= ;'grfFbL lwtf] shf{ Loan against Gold and Silver Loan
shf{ u|fxs lgoldt cfo;|f]t ePsf shf{ kfpgof]Uo g]kfnL gful/s tyf a}+ssf sd{rf/L
shf{sf] k|of]hg JolQmut cfjZostf k"/f ug{
shf{sf] nflu
u|fxssf] gfddf o; a}+sdf /x]sf] rNtL÷art÷shf{ vftf
vftf
æ;'grfFbL lg/LIfsÆ eGgfn] a}+saf6 ;'grfFbL ;'/If0fsf] hfFr, d"Nof+sg tyf shf{ sf/f]jf/sf
;'grfFbL lg/LIfs
nflu lgo'Qm ;'grfFbL lg/LIfs jf a}+saf6 ;f] sfo{sf nflu lhDd]jf/L k|fKt sd{rf/LnfO{
;Demg'kb{5 .
shf{sf] clwstd
;'grfFbLsf] kl/df0fsf] d"Nosf] clwstd ^) k|ltzt;Dd .
;Ldf
sfof{nosf] :t/ k|lt u|fxs shf{ ;Ldf
sfof{nosf] skf]{/]6 a}+lsË sfof{no÷d'Vo
:t/cg';f/ ?= $) nfv;Dd
zfvf sfof{no
clwstd shf{
;Ldf zfvf sfof{no ?= @% nfv;Dd
pk zfvf sfof{no ?= !) nfv;Dd
shf{ cjlw clwstd ! jif{
lwtf]df /x]sf] ;'grfFbLsf] ahf/ d"NonfO{ Wofg lbO{ a}+s ;'/lIft /xg] ePdf dfq clwstd
shf{ gjLs/0f
@ k6s;Dd shf{ gjLs/0f ug{ ;lsg]5 .
shf{sf] k|s[lt Non Revolving k|s[ltsf] x'g] .

shf{ k|bfg ug]{

u|fxs jf lghsf] Psf3/ kl/jf/sf] jflif{s cfo
cfwf/
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf ;]jf z'Ns nfUg] 5}g . shf{ nufgL ePsf] # dlxgfleq} u|fxsn] shf{ r'Qmf u/]df r'Qmf
cGo z'Ns u/]sf] /sddf ! k|ltzt clu|d z'Ns nfUg]5 .
lwtf] k|fylds ;'g rfFbL, ;'g rfFbLsf l;Ssf÷l9Ssf tyf u/uxgfx?÷;fdfgx?
;'/If0f ;xfos JolQmut hdfgt
s_ lwtf] lnPsf] ;'grfFbLsf] s'n d"Nof+lst /sdsf] a}+s cfkm}n] aLdf u/fpg'kg]{5 .
aLdf v_ shf{ r'Qmf ug]{ ;dodf lwtf] lnPsf] ;'grfFbLsf] s'n d"Nof+lst /sdsf] shf{ cjlwe/sf]
jflif{s ! k|ltzt aLdf z'Ns u|fxsaf6 c;"npk/ ug'{ kg]{5 .
shf{ nufgL ug]{
d'Vo sfof{non] ;do;dofdf tf]s] cg';f/sf sfof{nox? .
sfof{no

126 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

shf{ cg'udg s_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .

v_ cw{jflif{s ?kdf ;'grfbLsf] d"No cg'udg ug'{ kg]{5 .
u_ ;'grfFbL lg/LIfsn] shf{sf] Dofb k'Ug' cufj} k|To]s ;'grfFbL shf{ u|fxs;Fu lgoldt
;Dks{df /xL shf{ cg'udg ug'{ kg]{5 .

s_ sfof{nodf ;'grfFbL shf{ sf/f]jf/ k|f/De ug'{k"j{ ;'grfFbL lg/LIfsn] k|jGwssf] /f]xj/df
cg';"rL -@^=!_ adf]lhd sa'lnotgfdf ug'{ kg]{5 .
v_ ;'grfFbL lg/LIfsn] u|fxsn] lwtf] /fVg NofPsf] ;'grfFbLsf l;Ssf, u/uxgf tyf
;fdfgx?sf] u'0f:t/, tf}n tyf cj:yf x]/L, hfFrL, a'emL u|fxss} cufl8 tf}n u/L
ljj/0f ;d]t pNn]v u/L gub ;/x lhDdf lng' kg]{5 .
u_ lwtf] lnPsf] ;Dk"0f{ ;'grfFbLsf] kl/df0f, u'0f:t/ / z'4tfsf] k"0f{ lhDd]jf/L ;'grfFbL
lg/LIfssf] x'g]5 . a'lemlnPsf] ;'grfFbLsf] tf}n / ;f]sf] d"Nof+lst /sdn] shf{ /sdnfO{
;'grfFbL
vfDg] k"0f{ lhDd]jf/L ;d]t ;'grfFbL lg/LIfsn] lng' kg]{5 . ;'/If0fafkt lnOg] ;'gRffFbL
lg/LIfssf]
hfFr ug]{ l;nl;nfdf lwtf]sf] z'4tfdf z+sf nfu]df u|fxssf] cg'dlt lnO{ ;'grfFbLsf]
lhDd]jf/L
cfjZos k/LIf0f -3f]6L, sf6L, kf]nL, Acid Test ;d]t_ ug{ ;lsg]5 .
3_ lwtf]df /x]sf] ;'grfFbLsf] u'0f:t/ tyf tf}ndf km/s b]lvPdf To;sf] k"0f{ lhDd]jf/L
;DalGwt ;'grfFbL lg/LIfssf] x'g]5 . 9's'6Ldf /x]sf td;'s adf]lhdsf ;'grfFbLsf
kf]sfleq /x]sf ;'grfFbLsf ;fdfgx? ;'grfFbL lg/LIfssf] Psn lhDd]jf/Ldf /xg]5g\ t/
;'grfFbLsf kf]sfx? k|aGws Pj+ ;'grfFbL lg/LIfssf] ;+o'Qm lhDd]jf/Ldf /xg] 5g\ .
ª_ ;'grfFbL lg/LIfsn] shf{sf] Dofb k'Ug' cufj} k|To]s ;'grfFbL shf{ u|fxs;Fu lgoldt
;Dks{df /xL shf{ cg'udg ug'{ kg]{5 .

;'grfFbLsf] z'4tf tyf tf}n / shf{ ;'/If0fsf] k"0f{ lhDd]jf/L jxg u/]afkt ;'grfFbL
lg/LIfsnfO{ ;DalGwt shf{af6 k|fKt Jofh /sdsf] ! k|ltzt /sd sldzg:j?k k|bfg
;'grfFbL
ul/g]5 . of] /sd k|To]s cfly{s jif{sf] cGTodf n]vf zfvfn] k]z u/]sf] shf{sf] Jofh
lg/LIfsnfO{
c;"nL /sdsf] cfwf/df k|jGwsaf6 :jLs[t u/L lgh sd{rf/L÷lg/LIfsnfO{ e'QmfgL
sldzg
lbg'kg]{ lx;fadf /flvg]5 . k|jfx ePsf] shf{sf] ;Dk"0f{ ;fFjf / Jofh /sd c;"n ePkl5
pQm sldzg /sd ;DalGwt lg/LIfsnfO{ k|bfg ug'{ kg]{5 .

lwtf] lnOg] ;'grfFbLsf] /fd|f];Fu hfFr u/L ;'grfFbLsf] k|rlnt ahf/ d"Nodf !) k|ltztn]
lwtf] d"Nof+sg,
sd u/L x'g cfpg] /sddf Go"gtd #) k|ltzt dflh{g s§f u/L shf{of]Uo /sd sfod ug{'
dflh{g k|ltzt /
kg]{5 . ;'grfFbL lg/LIfsn] lwtf] lnPsf] ;'grfFbLsf] k|s[lt / agfj6 x]/L $) k|ltzt;Dd
shf{ /sd
dflh{g s§f u/L shf{of]Uo /sd sfod ug{ ;Sg]5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 127

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

s_ ;'grfFbL lg/LIfsn] ;fdfg a'lemlnO{ cg';"rL -@^=%_ cg'?k …9's'6Ldf /fv]sf] ;'grfFbL
;fdfgsf] clen]vÚ /lhi6/df /fVg'kg]{5 .
v_ ;'grfFbL lg/LIfsn] Dofb ggf3]sf lgoldt shf{ tyf Dofb gf3]sf shf{x?sf] ljj/0f
clen]v / cBfjlws u/L Dofb gf3]sf] ;'grfFbL shf{sf] c;"nL sf/afxL k|lqmof cuf8L a9fpg'kg]{5 .
l/kf]{l6Ë o:tf] ljj/0fsf] Psk|lt q}dfl;s ?kdf ;DalGwt If]qLo sfof{nodf ;d]t k7fpg' kg]{5 .
u_ shf{ :jLs[ltsf] nflu cg';"rL -@^=$_ adf]lhdsf] …;'grfFbL shf{ nufgL /lhi6/Ú
v8f ug'{'kg]{5 .
3_ shf{ :jLs[t ePkl5 cg';"rL -@^=@_ adf]lhd td;'s tof/ u/L /Ltk"j{s u|fxssf]
;xL5fk u/fpg'kg]{5 .
ª_ u|fxsaf6 lwtf] lnOPsf ;fdfgsf] k"0f{ ljj/0f ;'/lIft;fy /fVg'kg]{5 . shf{ ;DaGwL
td;'s tyf sfuhftx? lghsf] 5'§} ldl;ndf Jojl:yt ug'{ kg]{5 .
shf{ c;"nL k|lqmofM
1. u|fxsn] dfl;s Jofh lt/L shf{ cjlwe/df Ps}k6s jf k6s–k6s u/L shf{sf] ;fFjf /sd r'Qmf ug{
;Sg]5 . t/ shf{ nufgL ePsf] # dlxgfleq} u|fxsn] shf{ r'Qmf u/]df # dlxgf k'Ug afFsL /x]sf] cjlwsf]
! k|ltzt clu|d z'Ns nfUg]5 .
2. a}+sn] lng'kg]{ ;fFjf, Jofh tyf cGo kfpg'kg]{ ;Dk"0f{ /sd c;"n u/]kl5 …td;'s adf]lhdsf] ;fdfg
a'lemlnPFÚ egL td;'s k5fl8 b/lk7 u/fO{ lwtf] ;fdfg u|fxsnfO{ lkmtf{ a'emfpg' kg]{5 .
3. lwtf] ;fdfg lkmtf{ lng u|fxs :jo+ pkl:yt x'g' kg]{5 . shf{ u|fxssf] d[To' ePsf] cj:yfdf lwtf]df /x]sf]
;'grfFbL lgvGg lghn] OR5fPsf] JolQm cfPdf a}+sn] lng'kg]{ ;fFjf, Jofh tyf cGo kfpg'kg]{ ;Dk"0f{ /sd
c;"npk/ ug'{sf ;fy} b]xfosf sfuhftx? lnO{ OR5fPsf] JolQmnfO{ lgodfg';f/ lwtf] ;fdfg x:tfGt/0f
ug{ ;lsg]5 .
-s_ d[To' btf{ k|df0f–kq .
-v_ gftfleqsf] ePdf gftf k|dfl0ft k|df0f–kq .
-u_ OR5fPsf] JolQmsf] gful/stfsf] k|df0f–kq / lghsf] ! k|lt kmf]6f] .
4. td;'sdf OR5fPsf] JolQm pNn]v gePsf] cj:yfdf lgodfg';f/ xsjfnfx?af6 a}+sn] lng'kg]{ ;fFjf,
Jofh tyf cGo kfpg'kg]{ ;Dk"0f{ /sd r'Qmf ug{ nufO{ dfly a'Fbf # df pNn]v ePadf]lhdsf sfuhft lnO{
tkl;n cg';f/ Plsg u/L lwtf] ;fdfg x:tfGt/0f ug{ ;lsg]5 .
-s_ cfjZos sfuhft ;lxt glhssf] xsjfnf :jod\ pkl:yt x'g' kg]{5 .
-v_ xsjfnf Plsg ug]{ ;DaGwdf a}+ssf] lgodfg';f/ x'g]5 .
-u_ OR5fPsf] JolQm jf xsjfnf gfafns jf dfgl;s c;Gt'ng ePsf] jf ljlIfKt cj:yfsf] JolQm
ePdf lghsf] cleefjs jf sfg"g adf]lhdsf] ;+/IfsnfO{ ;fdfg x:tfGt/0f ug{ ;lsg]5 .
5. ;'grfFbLsf] k|rlnt ahf/ d"No sd eO{ lwtf]n] shf{ /sd gvfDg] cj:yf ;[hgf ePdf ;DalGwt u|fxsnfO{
shf{ ;'/If0fafkt dflh{g /sd a'emfpg Nofpg jf yk lwtf] /fVg & -;ft_ lbgsf] lnlvt ;"rgf lbg'
kg]{5 . pQm Dofbleq dflh{g jf lwtf] yk ug{ u|fxs gcfPdf To;/L shf{ /sd gvfDg] ljifodf sfof{no
ljZj:t ePdf If]qLo sfof{nonfO{ lnlvt hfgsf/L lbO{ ;DjlGwt sfof{non] g} lwtf]sf] lnnfd–laqmL
u/L shf{ c;"npk/ ug{ ;Sg]5 .

128 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

6. shf{sf] ;fFjf÷Jofh r'Qmf geO{ efvf gf3]df u|fxsnfO{ shf{sf] ;fFjf÷Jofh r'Qmf ug{ klxnf] k6s !% -kGw|_
lbgsf] lnlvt ;"rgf lbg' kg]5{ . of] ;"rgfkl5 klg shf{ r'Qmf gePdf bf];|f]k6s & -;ft_ lbgsf] ;do lbO{
…shf{ r'Qmf ug{ cGoyf lwtf] lnnfd laqmL u/L shf{sf] ;Dk"0f{ /sd c;"npk/ ul/g]5Ú egL lnlvt ;"rgf
lbg' kg]{5 . bf]>f] ;"rgf kZrft\\ klg shf{sf] ;fFjf Jofh r'Qmf gu/]df cg';"rL -@^=^_ adf]lhd …lwtf]df /x]sf]
;'grfFbLsf] cj:yf, hfFra'em tyf d"Nof+sgsf] ljj/0fÚ tof/ u/L lnnfdLsf] lbg;Ddsf] lng'kg]{ ;Dk"0f{ /sd
c;"npk/ ug{ lgh u|fxsn] a}+sdf ;'/If0fafkt /fv]sf] ;'grfFbL ;fdfg a}+s lgodfg';f/ @! lbgsf] ;"rgf
k|sfzg u/L lnnfd laqmLaf6 c;"npk/ ug]{ lg0f{o ug'{ kg]{5 . a}+sn] cfjZos 7fg]df s'g} lnlvt ;"rgf lagf
l;w} @! lbgsf] ;"rgf k|sfzg u/L lnnfd laqmLaf6 c;"npk/ ug]{ lg0f{o ug{ ;Sg]5 .
7. lwtf]df /x]sf] ;fdfgsf] lnnfd laqmL lg0f{osf] ;"rgf u|fxsnfO{ cg';"rL -@^=&_ cg'?k lbg' kg]{5 .
8. /fli6«o :t/sf] b}lgs klqsfdf /Ltk"j{s cg';"rL -@^=*_ cg'?k …lwtf] lnnfd laqmL ;DaGwL ;"rgfÚ
k|sflzt u/L u|fxsnfO{ klqsf a'emfO{ ;f]sf] ekf{O{ ldl;ndf /fVg'kg]{5 . s'g} sf/0fn] u|fxsnfO{ klqsf
a'emfpg g;lsPdf klg klqsfdf k|sflzt lnnfdL ;"rgfnfO{ shf{ u|fxsn] ;"rgf kfPsf] dflgg]5 .
tf]lsPsf] lbgdf lwtf] dfn;fdfgsf] lnnfd u/L shf{sf] ;Dk"0f{ n]gf /sd c;"npk/ ug'{ kg]{5 .
9. lnnfd–laqmLsf] nflu sfof{no k|jGws, shf{ clws[t, ;'grfFbL lg/LIfs /x]sf] # ;b:oLo …;'grfFbL
shf{ lnnfd laqmL ;ldltÚ /xg]5 . lnnfd laqmL ;ldltdf If]qLo sfof{nosf] k|ltlgwL, lhNnf k|zf;g
sfof{nosf] k|ltlgwL, :yfgLo k|x/L sfof{nosf] k|ltlgwL, sfg"gL ;Nnfxsf/ jf sfg"gL hgzlQm cfdlGqt
;b:osf] ?kdf /xg ;Sg]5g\ . cfdlGqt ;b:osf] cg'kl:yltn] lnnfdL sf/jfxL /f]lsg] 5}g . o; ;ldltsf]
eQf a}+ssf] k|rlnt shf{ c;"nL sfo{ljlwdf tf]lsPadf]lhd x'g]5 .
10. ;'/If0fsf] lnnfd laqmL ubf{ tf]lsPsf] lbg 8fFs a9fa9 lbgsf] !!M)) ah]b]lv @M)) ah];Dd x'g]5 .
;f] lbg ;fj{hlgs ljbf k/]df ;f] lbgsf] ef]lnkN6 pNn]lvt ;dodf ;DalGwt sfof{nodf 8fFs a9fa9
ul/g]5 . lwtf] lnnfdL 8fFs a9fa9 d'r'Nsf cg';"rL -@^=(_ cg'?k tof/ u/L sfd tfd]nL ug'{ kg]{5 . 8fFs
a9fa9 c+s ;fFjf, Jofh, lnnfdL vr{ / cGo kfpg'kg]{ ;Dk"0f{ /sd hf]8L x'g cfpg] /sdaf6 ;'? ul/g]5 .
8fFs a9fa9df efu lnO{ af]nsaf]n ug]{ AolQmn] af]n c+ssf] @) k|ltzt /sd w/f}6L afkt af]nsaf]n
ubf{sf] ;dodf g} hDdf u/L afFsL /sd ;f]xL lbg tf]lsPsf] ;doleq hDdf u/L ;fdfg p7fpg'kg]{5 .
lghn] tf]lsPsf] ;doleq /sd hDdf ug{ g;s]df 8fFs a9fa9df efu lng] dWo]sf] bf];|f] AolQmnfO{ 8fFs
a9fa9sf] @) k|ltzt /sd w/f}6L afkt t'?Gt} hDdf ug{ nufpg'kg]{5 . klxnf] AolQmsf] w/f}6L hkmt x'g]5 .
bf];|f] AolQmn] afFsL /sd ;f]sf] ef]lnkN6 tf]lsPsf] ;doleq hDdf u/L ;fdfg p7fpg'kg]{5 . o;} k|lqmof
t];|f] AolQmdf klg nfu" x'g]5 . tTkZrft\ cj:yf x]/L rf}yf] AolQmnfO{ lbg] jf k'gM 8fFs a9fa9 ;"rgf
k|sflzt ug]{ clwsf/ ;'grfFbL shf{ lnnfd laqmL ;ldltdf ;'/lIft /xg]5 . ;fy} af]nsaf]n :jLs[t jf
c:jLs[t ug]{ ;Dk"0f{ clwsf/ sfof{nodf ;'/lIft /xg]5 .
11. lnnfdL ;DaGwL ;Dk"0f{ vr{nfO{ shf{sf] n]gf /sddf hf]8L u|fxsaf6} c;"npk/ ug'{ kg]{5 . a}+ssf] n]gf
/sdeGbf a9L af]nsaf]n eO{ a9L /sd k|fKt ePdf a9L /sd u|fxsnfO{ g} lkmtf{ lbOg]5 .
12. lnnfd laqmL ubf{ 8fFs af]Ng]÷df]n lbg]n] w/f}6L /sd ga'emfPdf cg';"rL -@^=!)_ cg'?k d'r'Nsf v8f
ug'{ kg]{5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 129

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

13. lnnfd ;sf/ ug]{ JolQmn] 8fFs af]n] cg'?k a'emfPsf] /sd a'lemlnPsf] / lnnfd ;sf/]sf] ;'grfFbL
dfn;fdfg lghn] a'em]sf] cg';"rL -@^=!!_ cg'?k …/sd tyf ;'grfFbL dfn;fdfg a'em]sf] ekf{O{Ú u/L
u/fO{ ;f] ekf{O{ lnnfd ;sf/ ug]{ JolQmnfO{ Ps k|lt pknAw u/fO{ Ps Ps k|lt shf{ tyf n]vf zfvfdf
pknAw u/fpg'kg]{5 .
14. ;'grfFbLsf] k|rlnt ahf/ d"Nodf cfsl:ds ?kdf sdL cfO{ lwtf]n] shf{ gvfDg] sfa' aflx/sf] ljz]if
cj:yfdf afx]s lwtf]df /x]sf] ;'grfFbL lnnfd laqmLaf6 k|fKt /sdn] shf{sf] ;fFjf, Jofh tyf cGo n]gf
/sd r'Qmf gePdf shf{ c;"nLsf] k"0f{ lhDd]jf/L lng] ;'grfFbL lg/LIfssf] a}+sdf /x]sf] ;+lrtsf]ifsf] /sd jf
lghn] a}+saf6 kfpg] cGo ;'ljwfaf6 ;d]t s§f u/L shf{sf] gk'u /sd c;"n u/L shf{ /fkm;fkm ug'{ kg]{5 .

yk Joj:yfM
1. u|fxssf] k]zf jf cfo;|f]t v'Ng] sfuhft lng' kg]{5 .
2. lwtf] lnOg] ;'grfFbL k|flKtsf] >f]t ;DaGwdf u|fxsaf6 :j3f]if0ff lng' kg]{5 .
3. lwtf] lnPsf] ;'grfFbL /fVg :6«ª ?ddf 5'§} eN6÷;]kmsf] Joj:yf ug'{ kg]{5 .
4. lwtf] lnPsf]] ;'grfFbL b}lgs 9's'6L aGb ug]{ ;dodf ;'grfFbL lg/LIfs Pj+ k|jGws b'j}sf] /f]xj/df td;'s
adf]lhdsf] shf{lkR5] 5'§f5'§} y}nLdf ;fdfg /fvL lzn5fk aGb u/L y}nL aflx/ shf{ gDa/, u|fxssf] gfd
/ 7]ufgf pNn]v u/L ;'/lIft;fy 9's'6Ldf /fVg'kg]{5 ;fy} cg';"rL @^=% adf]lhdsf] /lhi6/df ;d]t ;f]sf]
clen]v cBfjlws ug'{ kg]{5 .
5. td;'sdf lwtf] /flvPsf] ;'grfFbL uxgfsf] k"/f tf}n / To;df nfxf, kTy/, /;fog cflb;d]t s§f ubf{ x'g
cfpg] tf}n tyf lwtf] /xg] ;'grfFbLsf] jf:tljs cj:yfsf ;fy} ;'grfFbLsf] u'0f:t/cg';f/ x'g] d"No ;d]t
clgjfo{ ?kdf pNn]v ug'{ kg]{5 . ;fy} lwtf] lnOPsf uxgfx? ;fa"b jf 6'6]k'm6]sf], efFlrPsf], s'lRrPsf],
Kjfn k/]sf] h]h:tf] cj:yfdf 5, ;f]xL adf]lhd :ki6?kdf td;'sdf pNn]v ug'{ kg]{5 . cg';"rL -@^=#_
adf]lhdsf] /l;b u|fxsnfO{ lbg' kg]{5 .
6. ;'grfFbL lg/LIfsnfO{ shf{ lg/LIfs / shf{ c;"nLsf] ;d]t lhDd]jf/L /xg] x'Fbf shf{nfO{ a9L ;'/lIft /
sd{rf/LnfO{ yk pQ/bfoL agfpg lghsf]] ;+lrt sf]if Pj+ a}+saf6 kfpg] cGo n]gf /sd hdfgtsf] ?kdf /xg]5 .
o; k|of]hgsfnflu ;DalGwt sfof{non] ;'grfFbL shf{sf] Go"gtd hdfgt :j?k ;Da¢ ;'grfFbL lg/LIfssf]
;+rosf]if /sd sd{rf/L cjsfzsf]if sfof{noaf6 lgDgfg';f/ Earmark u/L /f]Ssf /fVg nufpg' kg]{5 .
-s_ pkzfvf sfof{no M ?=! nfv .
-v_ zfvf sfof{no M ?=! nfv %) xhf/ .
-u_ d'Vo zfvf sfof{no÷skf]{/]6 a}+lsË sfof{no M ?=@ nfv .
7. ;'grfFbL sf/f]jf/sf] /fd|f] hfgsf/L ;lxtsf] tflnd k|fKt cg'ejL JolQmnfO{ dfq ;'grfFbL lg/LIfssf]
lhDd]jf/L lbg' kg]{5 . a}+saf6 cjsfz x'g @ jif{ jf ;f]eGbf sd cjlw afFsL /x]sf sd{rf/LnfO{ ;'grfFbL
lg/LIfssf] lhDd]jf/L lbg kfOg] 5}g .
8. ;'grfFbL lg/LIfs / of] shf{ x]g]{ lhDd]jf/L kfPsf] sd{rf/L / ltgLx?sf] Psf3/ kl/jf/sf ;b:ox?nfO{ of]
shf{ pknAw u/fOg] 5}g .

130 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

@&= d'2tL /l;b lwtf] shf{ Loan against Fixed Deposit Receipt
shf{ u|fxs o; a}+ssf] d'2lt lgIf]ksf u|fxs -JolQm÷kmd{÷;+:yf÷sDkgL_
shf{sf] k|of]hg JolQmut jf Joj;flos cfjZostf k"/f ug{
shf{sf] cjlw d'2lt lgIf]ksf] e'QmfgL cjlw;Dd .
shf{sf] k|s[lt Non Revolving k|s[ltsf] x'g] .

shf{sf]
clwstd ;Ldf Psk6s jf k6sk6s u/L d'2lt lgIf]k /sdsf] clwstd () k|ltzt;Dd . [pk/f]Qm
;Ldfleq /xL d'4lt /l;b lwtf] shf{ ;DalGwt sfof{no cfkm}n] :jLs[t ug{ ;Sg]5 .] 298
shf{ k|bfg ug]{
d'2lt lgIf]ksf] cjlw / /sd
cfwf/
d'2lt lgIf]k /l;bdf pNn]lvt Jofhb/df yk @ k|ltzt jf ljBdfg d'2lt lgIf]ksf] k|sflzt
Jofhb/ / e'QmfgL clwstd Jofhb/ h'g a9L x'G5 jf a}+sn] ;do;dodf tf]Sg] o:tf] shf{sf] Jofhb/
cg';f/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg' kg]{5 .
;]jf z'Ns tyf
;]jf z'Ns nfUg] 5}g . cGo z'Ns a}+s lgodfg';f/ x'g]5 .
cGo z'Ns
lwtf] k|fylds d'2lt lgIf]k /l;b
;'/If0f ;xfos JolQmut hdfgt
d'2lt lgIf]ksf] e'QmfgL ldlt / d'2lt lgIf]ksf] Jofh hfg] vftf .
shf{sf] cg'udg
d'2lt lgIf]k vftf /f]Ssf /x]g/x]sf] .
yk Joj:yfM
1. gfjfnssf] gfddf /x]sf] d'2lt lgIf]k /l;b lwtf] /fvL shf{ lbg ldNg] 5}g .
2. d'2lt lgIf]k vftf /f]Ssf /x]sf] x'g' kg]{5 .
3. o; ;DaGwL cGo Joj:yf a}+ssf] k|rlnt zfvf ;+rfng ;DaGwL sfo{ljlwdf pNn]v ePadf]lhd x'g]5 .

298
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 131

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

@*= ;/sf/L tyf cGo ;'/If0fkq lwtf] shf{ Loan against Government and Other Securities
shf{ u|fxs ;'/If0fkqsf] :jfldTj ePsf s'g} klg JolQm jf kmd{ jf sDkgL
shf{sf] k|of]hg JolQmut jf Joj;flos cfjZostf k"/f ug{
ljsf; C0fkq, /fli6«o jrtkq, gful/s artkq, j}b]lzs /f]huf/ artkq,
;'/If0fkqsf] lsl;d
cGo ;/sf/L ;'/If0fkq
shf{sf] cjlw ;'/If0fkqsf] e'QmfgL cjlw;Dd .
shf{sf] k|s[lt Non Revolving k|s[ltsf] x'g] .

shf{sf] clwstd ;Ldf Psk6s jf k6sk6s u/L ;'/If0fkq /sdsf] clwstd *) k|ltzt;Dd .
[pk/f]Qm ;Ldfleq /xL ;/sf/L tyf cGo ;'/If0fkq lwtf] shf{ ;DalGwt
sfof{no cfkm}n] :jLs[t ug{ ;Sg]5 .] 299
shf{ k|bfg ug]{ cfwf/ ;'/If0fkqsf] cjlw / /sd
;'/If0fkqdf pNn]v ePsf] Jofhb/df yk @ k|ltzt Jofh nfUg]5 . u|fxsn]
Jofhb/ / e'QmfgL
Jofh dfl;s ?kdf a'emfpg' kg]{5 .
;]jf z'Ns tyf cGo z'Ns ;]jf z'Ns nfUg] 5}g . cGo z'Ns a}+s lgodfg';f/ x'g]5 .
lwtf] k|fylds ;'/If0f kq
;'/If0f ;xfos JolQmut hdfgt
;'/If0fkqsf] e'QmfgL ldlt / ;'/If0fkqsf] Jofh /sd .
shf{sf] cg'udg ;'/If0fkq a}+ssf] gfddf :jfldTj x:tfGt/0f x'g;Sg] / Jofh /sd a}+sn] k|fKt
x'g;Sg] lsl;dn] u|fxsaf6 b/kL7 ePgePsf] .
yk Joj:yfM
1. gfjfnssf] gfddf /x]sf] ;'/If0fkq lwtf] /fvL shf{ lbg ldNg] 5}g .
2. ;'/If0fkq a}+ssf] gfddf :jfldTj x:tfGt/0f x'g;Sg] / Jofh /sd a}+sn] k|fKt x'g;Sg] lsl;dn] u|fxsaf6
b/kL7 u/fO{ ;Ssn} ;'/If0fkq ;DalGwt sfof{nodf ;'/lIft;fy /fVg'kg]{5 .
3. o; ;DaGwL cGo Joj:yf a}+ssf] k|rlnt zfvf ;+rfng ;DaGwL sfo{ljlwdf pNn]v ePadf]lhd x'g]5 .

299
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf]

132 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

@(= z]o/ lwtf] -dflh{g n]l08ª_ shf{
;fwf/0f÷;+:yfks z]o/ :jfldTj ePsf shf{ kfpgof]Uo g]kfnL gful/s jf g]kfn ;/sf/sf]
shf{ u|fxs ;DalGwt lgsfodf /Ltk"j{s btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo kmd{ jf
sDkgL .
lwtf]kq ljlgdo ahf/df ;"rLs[t Pjd\ a}+snfO{ :jLsfo{ sDkgLx?sf] ;fwf/0f jf ;+:yfks
shf{sf] k|of]hg
z]o/sf] lwtf]df JolQmut jf Joj;flos cfjZostf k"/f ug{ k|jfx ul/g] shf{ .
ælwtf]kq Joj;foLÆ eGgfn] u|fxssf] gfddf lwtf]kq v/Lb ljqmL jf ljlgdo ug]{ bnfn,
ahf/ lgdf{tf, lwtf]kq Jofkf/L -l8n/_ jf lgisfzg tyf ljqmL k|aGws jf lwtf]kq
lwtf]kq Joj;foL
sf/f]af/ ;DaGwL cGo sfo{ ug{ lwtf]kq ;DaGwL P]g, @)^# cg';f/ O{hfhtkq k|fKt
;+ul7t ;+:yfnfO{ ;Demg' kb{5 .
ælwtf]kqÆ eGgfn] ;+ul7t ;+:yfn] hf/L u/]sf] z]o/, :6s, a08, l8j]~r/, l8j]~r/ :6s jf
;fd"lxs nufgL of]hgf ;DaGwL k|df0fkq jf g]kfn ;/sf/n] hf/L u/]sf] jf g]kfn ;/sf/sf]
lwtf]kq hdfgtdf ;+ul7t ;+:yfn] hf/L u/]sf] C0fkq, artkq jf a08 ;Demg' k5{ / ;f] zAbn]
lwtf]kq ahf/ dfk{mt sf/f]af/ x'g ;Sg] jf x:tfGt/0f x'g ;Sg] egL af]8{n] tf]lslbPsf] cGo
lwtf]kq jf To:tf] lwtf]kq vl/b, laqmL jf ljlgdo ug{ ;Sg] clwsf/kq ;d]tnfO{ hgfpF5 .
lwtf]kq ahf/ ælwtf]kq ahf/Æ eGgfn] lwtf]kq vl/bstf{ tyf laqm]tfnfO{ Ps} 7fpFdf NofO{ lg/Gt/ ?kdf
-:6s PS;r]Gh_ lwtf]kqsf] vl/b, laqmL jf ljlgdo sfo{ ;DkGg ug]{ ahf/, :yfg jf ;'ljwf ;Demg' k5{ .
lgIf]k ;b:o eGgfn] lwtf]kqsf] s]Gb|Lo lgIf]k ;]jf ljlgodfjnL, @)^& cg';f/ s]Gb|Lo
lgIf]k ;b:o
lgIf]k sDkgL;Fu ;b:otf lnPsf lwtf]kq Joj;foL jf ;+ul7t ;+:yf ;Demg' k5{ .
s_[ g]kfn :6s PS;r]Gh lnld6]8af6 k|sflzt kl5Nnf] !@)] 300 sfo{ lbgsf] clGtd
d"Nosf] cf};t d"No jf z]o/sf] k|rlnt ahf/ d"NodWo] h'g sd x'G5 ;f]sf] cfwf/df
z]o/sf] d"Nof+sg z]o/sf] d"No sfod ul/g]5 .
v_ ;+:yfks z]o/sf] d"Nof+sg ubf{ [g]kfn :6s PS;r]Gh lnld6]8af6 k|sflzt ;fwf/0f
z]o/sf] kl5Nnf] !*) sfo{ lbgsf] cf};t d"Nosf] a9Ldf %) k|ltzt d"No ] 301 jf
;+:yfks z]o/sf] clGtd sf/f]af/sf] d"NodWo] h'g sd x'G5 ;f]sf] cfwf/df d"No sfod
ul/g]5 .
clwstd shf{ [-!_ g]kfn /fi6« a}ssf] lgb]{zg adf]lhd ul/g] z]o/ d"Nof+sg /sdsf] clwstd &)
;Ldf k|ltzt /sd;Dd t/ g]kfn /fi6« a}+sn] o; Joj:yfdf kl/jt{g u/]df ;f]xL adf]lhd x'g]5 .
-@_ ;+:yfks z]o/sf] lwtf]df shf{ k|jfx ubf{ sfod ul/Psf] d"Nosf] a9Ldf %) k|ltzt
/sd;Dd t/ g]kfn /fi6« a}+sn] o; Joj:yfdf kl/jt{g u/]df ;f]xL adf]lhd x'g]5 . ] 302
shf{sf] cjlw clwstd ! jif{;Dd .

300
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd Æ lwtf]df /xg] z]o/sf] g]kfn lwtf]kq ljlgdo ahf/ lnld6]8af6 k|sflzt
kl5Nnf] !*) Æ k|ltZyflkt ePsf]
301
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd Æ g]kfn lwtf]kq ljlgdo ahf/ lnld6]8af6 k|sflzt ;fwf/0f z]o/sf] kl5Nnf]
!*) sfo{ lbgsf] clGtd d"Nosf] cf};t d"No Æ k|ltZyflkt ePsf]
302
k|d'v sfo{sf/L clws[tsf] ldlt @)&%.!@.@$ sf]] lg0f{o adf]lhd æsfod ul/Psf] z]o/sf] d"Nosf] a9Ldf %) k|ltzt;DdÆ eGg] Joj:yf
k|lt:yfkg eO{ æ g]kfn /fi6«« a}sn] sfod ePsf] z]]o/ d"Nosf] ^% k|ltzt ;Dd shf{ ;Ldf tf]s]sf]n] tf]lsPsf] ;Ldf %) k|ltzt eGbf clws
ePdf shf{ ljefusf] :jLs[tL lng' kg]{5 ;fy} %) k|ltzt eGbf sd ePsf] v08df ;f]lx adf]lhd shf{ k|jfx ug'{ kg]{5 .Æ eGg] Joj:yf
ul/Psf[df ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd k|ltZyflkt ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 133

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

lwtf]df /x]sf] z]o/sf] ahf/ d"NonfO{ Wofg lbO{ a}+s ;'/lIft /xg] ePdf dfq shf{ gjLs/0f
shf{ gjLs/0f
ug{ ;lsg] .
shf{sf] k|s[lt Revolving k|s[ltsf] x'g] .
shf{ k|bfg ug]{
z]o/sf] d"No / u|fxs jf lghsf] Psf3/sf kl/jf/sf] jflif{s cfo
cfwf/
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
shf{sf] ;Ldf Go"gtd ?=% nfv / clwstd ;Ldfsf] ;DaGwdf g]kfn /fi6« a}+sn] ;do;dodf tf]s]adf]lhd x'g]5 .
shf{ :jLs[t ug]{
d'Vo sfof{non] tf]s]cg';f/sf sfof{nox?
sfof{nox?
s_ cfˆgf] jf Psf3/sf kl/jf/sf ;b:ox?sf] gfddf /x]sf] jf kmd{÷;+:yf÷sDkgLsf]
gfddf /x]sf] / g]kfn :6s PS;r]~hdf ;"rLs[t ePsf sDkgLx?sf] cef}lts -Demat_
;fwf/0f jf ;+:yfks z]o/ x'g]5 .
v_ k|fylds ;'/If0f afkt cef}lts z]o/sf] k|rlnt Joj:yf adf]lhd lwtf] aGwsL ePsf]
k|fylds
lwtf] jf u|fxssf] cef}lts/0f -Demat_ vftf /x]sf] lgIf]k ;b:oaf6 o; a}+ssf] gfddf
;'/If0f /f]Ssf ug]{÷ul/Psf] k|df0f ;lxtsf] sfuhft lng' kg]{5 .
u_ ;'/If0fdf /flvg] z]o/ o; a}+ssf] ;xdlt lagf laqmL ug{ gkfpg] u/L /f]Ssf ug{sf] nflu
cg';"rL–!^ adf]lhd kq n]vL btf{ u/L lng' kg]{5 .
u|fxs jf lghsf] Psf3/ kl/jf/sf ;b:o jf lwtf]kq Joj;foL jf lghsf] k|ltlgwLsf]
;xfos
JolQmut hdfgt .
1. cltl/Qm ;'/If0f lagf g} tf]lsPsf sDkgLx?sf] z]o/x?sf] lwtf]dfdfq of] shf{ nufgL
x'g] ePsf]n] shf{ hf]lvdk"0f{ x'g] x'Fbf shf{sf] lg/Gt/ cg'udg ug'{kg]{5 .
2. ;DalGwt sfof{noaf6 o; zLif{s cGtu{t k|jfx eO{/x]sf] shf{sf] lwtf]afkt lnO{Psf
z]o/x?sf] ahf/ d"No adf]lhd tf]lsPsf] Margin Cover eP÷gePsf] b}lgs ?kdf
lg/LIf0f tyf cg'udg ug'{ kg]{5 .
cg'udg 3. sfof{non] :jLs[t u/]sf] of] shf{ k|jfx ePkl5 ;f]xL lbg d'Vo sfof{no, shf{ ljefudf
b}lgs ?kdf ljj/0f k7fpg' kg]{5 . o; zLif{sdf afFsL /x]sf] shf{sf] ljj/0f k|To]s
dlxgfsf] ! ut] / !% ut] d'Vo sfof{no, shf{ ljefudf k7fpg' kg]{5 .
4. shf{ ljefun] x/]s dlxgfsf] @ ut] / !^ ut] o; shf{sf] Portfolio Review ug'{ kg]{5 .
cfjZostf cg';f/ ;f] cjlweGbf cufj} klg Portfolio Review ug{ ;lsg]5 .

134 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[-!_ ;]o/sf] ahf/ d"Nodf x'g] kl/jt{gsf] sf/0fn] z]o/ lwtf] ;'/If0fsf] d"Nodf sdL
cfPdf a}sn] ;f]sf] d"No cg'udg u/L yk lwtf]sf] nflu shf{ u|fxsnfO{ ;"lrt ug{' kg]{5 .
Margin Call ubf{ pQm z]o/df k|fKt x'g] olsg ePsf] xsk|b / af]g; z]o/x? ;"rLs/0f
gePsf] cj:yfdf ;d]t lwtf]df /flvPsf] z]o/ ;+Vofdf u0fgf ug{ ;lsg]5 .
Margin Call -@_ ;'/If0fdf /flvPsf] z]o/sf] d"Nodf !% k|ltzt;Ddn] 36]sf] cj:yfdf Margin Call
;DaGwdf ug{ cfjZos kg]{ 5}g .
] 303

yk Joj:yfM
1. [shf{ cfj]bssf] ljutsf] o; a}+s;Fusf] sf/f]af/sf] cj:yf, z]o/ sf/f]jf/sf] cj:yf, z]o/ sf/f]jf/
u/]sf] l8Dof6 :6]6d]G6, u|fxsn] lt/]sf] kF"hLut nfes/sf] ljj/0f, ljQLo ljj/0f cflbsf] ljZn]if0f tyf
d"Nof+sg u/L a}+sn] ;"rLs[t u/]sf ;+:yfx?sf] z]o/ lwtf]df z]o/ /f]Ssf cufj} u|fxssf] gfddf pko'Qm
/sd;Ddsf] shf{ ;Ldf :jLs[t ug{ ;lsg]5 . o;/L shf{ ;Ldf :jLs[t ug{' cl3 cfjZos b]lvPdf
;DalGwt lwtf]kq Joj;foLsf] l;kmfl/z tyf pQm Joj;foL;Fu l8Dof6 vftf vf]n]sf] k|df0f ;d]t lng
;lsg]5 . ] 304
2. [a}+ssf] cfˆg} z]o/ tyf] 305gfafnssf] gfddf /x]sf] z]o/ lwtf]df /fvL shf{ lbg kfO{g] 5}g .
3. shf{sf] cjlw clwstd ! jif{ ePtfklg a}+sn] shf{ u|fxsnfO{ shf{ r'Qmf ug]{af/] !% lbg;Ddsf] jf
cfjZostf adf]lhdsf] ;dofjlw lbO{ shf{ lnld6 /4 ug{ ;Sg]5 .
4. [/f]Ssf -Pledge_ /flvPsf] z]o/ km's'jf u/]/ s'n shf{ ;LdfnfO{ vfDg] u/L gofF z]o/ lwtf] lnO{ u|fxssf]
gfddf ljutdf :jLs[t shf{ ;Ldf oyfjt sfod ug{ ;lsg]5 . t/ /f]Ssf /xL /x]sf] z]o/sf] k'g/d"Nof+sg
u/L ;f]sf] cfwf/df yk shf{ ;Ldf sfod ug{ kfOg] 5}g . ] 306
303
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ
1. z]o/sf] ahf/ d"Nodf x'g] kl/jt{gsf] sf/0fn] Margin Call ug'{ k/]df ;DalGwt sfof{non]
;f]sf] d"No cg'udg u/L a9Ldf & lbgleqdf lgb]{lzt ;Ldfleq Nofpg shf{ u|fxsnfO{{ ;'lrt u/L Margin Call ug'{ kg]{5 . t/ ;'/If0fdf /flvPsf] z]o/sf]
d"Nodf [@)]** k|ltzt;Ddn] 36]sf] cj:yfdf jf z]o/sf] k|rlnt s'n d"No s'n shf{ aSof}tf /sdsf] 8]9 [-!=^_]*u'0ffeGbf a9L ePsf] cj:yfdf
o:tf] Margin Call ug{ cfjZos kg]{ 5}g .
2. Margin Call sf] ;"rgf hf/L u/]kl5 ;DalGwt sfof{non] Margin Call u/]sf] ldltn] #% lbgleq ;DalGwt shf{ u|fxsaf6 dflh{g afktsf]
/sd hDdf u/fO{ ;Sg'kg]{5 . dflh{g hDdf ug{ g;s]df To;kl5sf] & lbgleqdf To;/L ;'/If0f /flvPsf] z]o/ lwtf]kq ljlgdo ahf/ dfkm{t\
ljqmL u/L shf{ /sd c;"npk/ ug'{ kg]{5 . z]o/ ljqmL gu/L ;sf/ u/]/ shf{ /sd c;"npk/ ug{ ldNg] 5}g . c;"npk/ gePsf] shf{sf] nflu
ztk|ltzt shf{ gf]S;fgL Joj:yf sfod ug'{ kg]{5 .
3. s'g} sf/0faz lwtf] /x]sf] z]o/ ljlqmaf6 a}+ssf] shf{ c;"npk/ gePdf jf z]o/ lalqm x'g g;s]df shf{ k|bfg ubf{ u|fxsn] ul/lbPsf] td;'ssf
zt{adf]lhd lghsf] 3/–3/fgf, rn– crn ;DklQaf6 shf{ /sd c;"npk/ ug{ sf/afxL cuf8L a9fpg'kg]{5 . pQm rn–crn
;DklQsf] d"Nof+sg a}+ssf] k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL sfo{ljlw adf]lhd ug'{ kg]{5 . Æ eGg] zJb k|lt:yfkg ePsf]
**
k|d'v sfo{sf/L clws[tsf] ldlt @)&%.!@.@$ sf]] lg0f{o adf]lhd æ!)Æ eGg] zJb k|lt:yfkg ePsf]
*
k|d'v sfo{sf/L clws[tsf] ldlt @)&%.!@.@$ sf]] lg0f{o adf]lhd yk
304
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ a}+ssf] cfˆg} z]o/ lwtf] /fvL shf{ lbg kfO{g] 5}g .Æ eGg] zJb k|lt:yfkg
ePsf]
305
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
306
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ Psk6s :jLs[t eO{;s]sf] o; shf{sf] ;'/If0fdf /x]sf] z]o/sf] k'g/d"Nof+sg
u/L ;f]sf] cfwf/df yk shf{ ;Ldf sfod ul/g] 5}g .Æ eGg] zJb k|lt:yfkg ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 135

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

5. of] shf{ a9Ldf a}+ssf] k|fylds k'FhL[sf] $) k|ltzt ;Dd]
307
[ jf g]kfn /fi6« a}+sn] ;do;dodf
tf]s] adf]lhd k|jfx ul/g]5 . s'g} Pp6f ;"rLs[t sDkgLsf] z]o/ lwtf]df k|jfx ug{ ;lsg] clwstd shf{
;Ldfsf] ;DaGwdf g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd x'g]5 . ] 308
6. u|fxs jf t];|f] kIfn] clgjfo{ ?kdf cfˆgf] :jfldTjdf ePsf] z]o/ tyf pQm z]o/af6 a9] a9fPsf]] ;Dk"0f{
z]o/ -xsk|b, af]g; / cGo_ tyf nfEf+fz ;d]t u|fxssf] tkm{af6 a}+snfO{ lwtf]sf] ?kdf lbg d~h"/ ePsf]
cg';"rL–@* adf]lhdsf] lnvt lng' kg]{5 .
7. a}+sn] dfu u/]sf] lgoldt cfo;|f]t k'i6L ug]{ sfuhft tyf lwtf]:j?k k]z x'g] z]o/sf] ;DaGwdf :j3f]if0ff
lng' kg]{5 .
8. sDkgLsf] xsdf !) k|ltzteGbf a9L z]o/wf/0f ug]{ z]o/xf]N8/x? / ;a} ;~rfnsx?sf] JolQmut hdfgt
clgjfo{ ?kdf lng' kg]{5 .
9. z]o/ lwtf] ;'/If0f /fVg] z]o/xf]N8/n] ;DalGwt sDkgLnfO{ o; a}+ssf] shf{ r'Qmf gx'Gh]n z]o/ bflvn
vf/]h /f]Ssf /fVg tyf pk/f]Qm z]o/af6 eljiodf cfh{g x'g] af]g; z]o/, xsk|b z]o/ nufot gub nfef+;
o; a}+snfO{ pknAw u/fO{lbg d~h"/L lbPsf] d~h"/Lgfdf lng' kg]{5 .
10. ;DalGwt sDkgLaf6 z]o/xf]N8/sf] d~h"/Lgfdf adf]lhdsf] z]o/ bflvnf vf/]h /f]Ssf u/]sf] tyf eljiodf
pQm z]o/x?sf] xsk|b z]o/, af]g; z]o/ tyf gub nfe+f; o; a}+snfO{ pknAw u/fO{lbg hfgsf/L lbPsf]
kq lng' kg]{5 .
11. lwtf] /flvPsf z]o/x?sf] ;Dk"0f{ z]o/wgLx?af6 g]kfn :6s PS;r]Gh lnld6]8af6 tf]lsPsf] z]o/ v/Lb
ljlqm cfb]z–kq ! / z]o/ laqm]tfn] ul/lbg] bflvn vf/]h d~h"/Lgfdf;lxtsf] lnvt @ ;lxt hDdf #
yfg kmf/fd lnO{ z]o/ laqm]tfn] ul/lbg] bflvn vf/]h d~h"/Lgfdf;lxtsf] lnvtdf ;DalGwt sDkgLaf6
z]o/wgLsf] b:tvt k|dfl0ft u/fO{ /fVg'kg]{5 . b'O{ k|lt df u|fxssf] x:tfIf/ u/fO{ a}+sdf
;'/lIft;fy /fVg'kg]{5 .
12. o; ;DaGwL cGo Joj:yf k|rlnt lwtf]kq s]Gb|Lo lgIf]k ;]jf ljlgodfjnL, @)&# / a}+sn] tf]s] adf]lhd
x'g]5 .
13. [;+:yfks z]o/sf] lwtf]df shf{ k|jfx ubf{ g]kfn /fi6« a}+ssf] lgb]{zgdf pNn]v eP adf]lhdsf cGo
lgod tyf k|lqmofx?sf] ;d]t kfngf ug{' kg]{5 .
14. g]kfn /fi6« a}+saf6 tf]s]sf] dfkb08 k'/f gePsf sDkgLx?sf] z]o/sf] lwtf]df shf{ k|jfx ug{ kfOg] 5}g .
d'Vo sfof{non] Price Earning Ratio, Price to Book Value, Dividend Yield, Dividend Payout Ratio
h:tf cfwf/e"t ;"rsf+ssf] ljZn]if0f u/L z]o/ lwtf] lng ldNg] sDkgLx?sf] 5gf}6 ug]{5 . o; shf{
;DaGwL cGo Joj:yf g]kfn /fi6« a}+sn] ;do ;dodf hf/L u/]sf] lgb]{zg adf]lhd x'g]5 .] 309

307
k|d'v sfo{sf/L clws[tsf] ldlt @)&%.!@.@$ sf]] lg0f{o adf]lhd æa/fa/sf] /sd;DdÆ eGg] zJb k|lt:yfkg ePsf]
308
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ dfq k|jfx ul/g]5 ;fy} Pp6f ;"rLs[t sDkgLsf] z]o/sf] xsdf a}+ssf]
k|fylds k'FhLsf] a9Ldf [!)]* k|ltzt;Dddfq shf{ k|jfx ul/g]5 .Æ eGg] zJb k|lt:yfkg ePsf]
* k|d'v sfo{sf/L clws[tsf] ldlt @)&%.!@.@$ sf]] lg0f{o adf]lhd æ!)Æ eGg] zJb k|lt:yfkg ePsf]
309
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

136 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

#)= ;xljQLos/0f shf{ Consortium Financing
;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut
shf{ u|fxs
kmd{÷;fem]bf/L kmd{÷sDkgL .
shf{sf] k|of]hg kl/of]hgf lgdf{0f÷ljsf;÷lj:tf/ ug{ tyf ;+rfng ug{ .
a}+ssf] e'ldsf Lead Bank sf] ?kdf jf ;xefuL a}+ssf] ?kdf /xg] .

cjlw k|s[lt
shf{sf] cjlw / k|s[lt 5f]6f] cjlw Revolving k|s[ltsf] x'g] .

nfdf] cjlw Non Revolving k|s[ltsf] x'g] .

shf{sf] ls:tf e'QmfgL ;xljQLos/0f a}7ssf] lg0f{o adf]lhd x'g]5 .
shf{ k|bfg ug]{ cfwf/ kl/of]hgfsf] ;DefJotfsf] ljZn]if0f / ;xljQLos/0f a}7ssf] lg0f{o
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 jf ;xljQLos/0f a}7ssf]
Jofhb/ / e'QmfgL
lg0f{o adf]lhd x'g]5 .
;]jf z'Ns tyf cGo z'Ns ;xljQLos/0f a}7ssf] lg0f{o adf]lhd x'g]5 .
lwtf] k|fylds ;xljQLos/0f a}7ssf] lg0f{o adf]lhd x'g]5 .
;'/If0f ;xfos ;xljQLos/0f a}7ssf] lg0f{o adf]lhd x'g]5 .
lwtf] ;'/If0fsf] aLdf ;xljQLos/0f a}7ssf] lg0f{o adf]lhd x'g]5 .
s_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
v_ kl/of]hgf lgdf{0f÷;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 .
shf{sf] cg'udg
u_ g]kfn /fi6« a}+ssf] ;xljQLos/0f ;DaGwL lgb]{zgsf] kfngf ePgePsf] cg'udg
ug'{ kg]{5 .
yk Joj:yfM
1. of] shf{ :jLs[t ug]{ clwsf/ d'Vo sfof{nodf lglxt /xg]5 .
2. s[lif ljsf; a}+s ln=cfkm} Lead Bank sf] ?kdf cyjf ;xefuL a}+ssf] ?kdf k|:t't eO{ shf{ nufgL ug{
;Sg]5 .
[#= ;xljQLos/0f shf{ ;DaGwL cGo Joj:yf a}+ssf] k|rlnt ;xljQLos/0f shf{ tyf ;'ljwf sfo{ljlw
adf]lhd x'g]5 .] 310

310
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 137

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

#!= lj|hUofk shf{ Bridge Gap Loan
;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut
shf{ u|fxs
kmd{÷;fem]bf/L kmd{÷sDkgL
a}+saf6 ;}4flGts ?kdf s'g} k|sf/sf] l:y/ k'FhL shf{ jf rfn' k'FhL shf{ jf cGo s'g}
k|sf/sf] shf{ lgsf;f lbg] lg0f{o eO{;s]sf] jf lgsf;f eO{;s]sf]df sf/0fjz ;DalGwt
u|fxsn] k'¥ofpg' kg]{dWo] s'g} k|lqmof k'¥ofpg g;sL pk/f]Qmfg';f/sf] :jLs[t shf{ pkef]u
shf{sf] k|of]hg ug{ s]xL ;do l9nf x'g] ePsf] / To; cj:yfdf u|fxsnfO{ ;DalGwt sfo{sf nflu t'?Gt}
/sdsf] h?/t kg{ uPdf /sd lgsf;f x'g l9nfO{ ePsf] sf/0faf6 kl/of]hgf :yfkgf /
;~rfngdf l9nfO{ eO{ k|lts"n c;/ kg]{ ePdf :jLs[t shf{af6 kl5 ;f]wegf{ x'g]u/L
tTsfn cfjZos k/]sf] k'FhL k|bfg ug{ .
5f]6f] cjlw -;fdfGotof ^ dlxgf_ jf d'Vo shf{ k|jfx x'g] ldlt;Dd . ;xljQLos/0f
shf{sf] cjlw
shf{sf] xsdf ;xljQLos/0fsf] lg0f{o adf]lhd .
shf{ gjLs/0f gjLs/0f ug{ g;lsg] .
shf{sf] k|s[lt Non Revolving k|s[ltsf] x'g] .

kl/of]hgfsf] ;DefJotfsf] ljZn]if0fsf] cfwf/df / ;xljQLos/0fsf] xsdf ;xljQLos/0f

shf{ k|bfg ug]{ cfwf/
a}7ssf] lg0f{o adf]lhd x'g]5 .
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 . ;xljQLos/0f shf{sf] xsdf ;xljQLos/0f a}7ssf] lg0f{o adf]lhd x'g]5 .
;]jf z'Ns tyf cGo a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns shf{ k|jfx x'g'cl3 lng' kg]{5 .
z'Ns ;xljQLos/0f shf{sf] xsdf ;xljQLos/0f a}7ssf] lg0f{o adf]lhd .
lwtf] k|fylds kl/of]hgf:yndf lgdf{0f x'g] ef}lts ;+/rgf / 3/hUuf
;'/If0f ;xfos JolQmut tyf ;+:yfut hdfgt
3/, kl/of]hgf:yndf ePsf ef}lts ;+/rgfx?sf] a}+s a]lglkml;o/L x'g] u/L aLdf lgoldt
lwtf] ;'/If0fsf] aLdf
x'g' kg]{5 .
z'?df :jLs[t ePsf] d'Vo shf{ pkef]u u/fO{ ;f]xL shf{ /sdaf6 lj|hUofk shf{ r'Qmf
shf{sf] cg'udg
eP÷gePsf] .
yk Joj:yfM
[-!_]311of] shf{ :jLs[t ug]{ clwsf/ d'Vo sfof{nodf lglxt /xg] 5 .
[-@_ ;xljQLos/0f shf{ tyf ;'ljwf cGtu{tsf] la|hUofk shf{ ;DaGwL cGo Joj:yf a}+ssf] k|rlnt
;xljQLos/0f shf{ tyf ;'ljwf sfo{ljlw adf]lhd x'g]5 . ] 312

311
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk
312
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd yk

138 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

#@= ljZjf;sf] lnvt -l6=cf/=_ shf{ Trust Receipt (TR) Loan
a}+s;Fu k|tLtkq sf/f]af/sf] ;Ldf lnPsf jf j:t'x? cfoft ug{ ;DalGwt lgsfodf btf{
shf{ u|fxs
eO{ lgoldt gjLs/0f ePsf / O{hfhtkq lnPsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L
kmd{÷sDkgL÷;+ul7t ;+:yf÷g]kfn ;/sf/sf] nufgL ePsf ;+:yf÷sDkgL
s_ k'FhLut ;fdfg afx]s cGo ;fdfg cfoft ug{ .
v_ u|fxsn] n]lvlbPsf] ljZjf;sf] lnvtsf] cfwf/df a}+sn] dfn;fdfgx?df cfˆgf]
shf{sf] k|of]hg
:jfldTj pNn]v ePsf ;Ssn sfuhftx? u|fxssf] kIfdf b/lk7 u/L :jfldTj
x:tfGt/0f ug{] k|of]hgsf nflu .
shf{sf] cjlw clwstd !@) lbg jf g]kfn /fi6« a}+sn] ;do ;dodf tf]s]cg';f/ .
shf{ gjLs/0f gjLs/0f ug{ g;lsg] .
shf{sf] k|s[lt Non Revolving k|s[ltsf] x'g] .
s_ ;DalGwt sfof{non] :jLs[t ug{;Sg] shf{ ;Ldf jf k|tLtkq lnld6sf] a9Ldf &)Ü
;Dd l6=cf/=shf{sf] ;Ldf :jLs[t ug{ ;lsg] .
v_ ;DalGwt sfof{non] l6=cf/=shf{sf] ;Ldf :jLs[t kZrft\ k|tLtkq sf/f]af/ cGtu{t
shf{ ;Ldf :jLs[lt
k|fKt Document Value jf cGo ljn d"Nosf] &) k|ltzt;Dd shf{ k|bfg ug{ ;Sg]5 .
pQm k|ltzteGbf a9L l6=cf/=shf{ k|bfg ug{'kg]{ cj:yfdf k|d'v sfo{sf/L clws[tsf]
:jLs[lt lng' kg]{5 .
shf{ ;Ldf shf{ ;Ldf jflif{s ?kdf gjLs/0f ug'{ kg]{5 .
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
;]jf z'Ns tyf
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds cfoft x'g] ;fdfgx?
;'/If0f ;xfos 3/÷hUuf, JolQmut hdfgt
s_ l6=cf/=shf{ cGtu{tsf ;Dk"0f{ ;fdfgx?sf] aLdf x'g' kg]{5 .
aLdf v_ 3/;d]t lwtf] ePdf 3/sf] d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{
x'g' kg]{5 .
s_ lgoldt?kdf Stock sf] Record lnO{ ;f]sf] cg'udg ug'{ kg]{5 .
shf{sf] cg'udg v_ k|tLtkq ;DaGwL Document sf] lg/LIf0f ug'{ kg]{5 .
u_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
yk Joj:yfM
1. crn ;DklQsf] dflh{g s6fPkl5sf] s'n d"Nof+lst /sdn] ztk|ltzt ?kdf l6=cf/=shf{ /sd ;'/lIft
x'g' kg]{5 . t/ ;DalGwt sfof{nosf] l;kmfl/zdf k|d'v sfo{sf/L clws[tsf] k"j{ :jLs[lt lnO{ b[li6aGws
lnvtdf pNn]lvt s"n lwtf] d"Nof+sg /sdsf] ztk|ltzt /sd a/fa/ klg l6=cf/=shf{ k|bfg ug{ ;lsg]5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 139

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

2. cGo a}+sdf vf]lnPsf] k|tLtkq sfuhft cGtu{t l6=cf/=shf{ pkef]u u/fpbf clgjfo{?kdf ;DalGwt
ljefusf] :jLs[lt lng' kg]{5 .
3. cfoft k|tLtkq cGtu{t k|fKt sfuhftx? tyf sfuhftx? :jLsfo{ ePsf] lnlvt ;"rgf ;lxt ;f]
sfuhftx? 5'6fpg l6=cf/=shf{ kfpg ;DalGwt sfo{ljlwsf] cg';"rL–! adf]lhdsf] lgj]bg cfoftstf{af6
e/fO{ lng' kg]{5 .
4. cfoft k|tLtkq afx]ssf] cj:yfdf cGo a}+s dfk{mt\ e'QmfgLsf] nflu k|fKt cfoft sfuhftx? tyf
cfoft sfuhftx? :jLsfo{ ePsf] lnlvt ;"rgf ;lxt ;f] sfuhftx? 5'6fpgsf nflu 6L=cf/=shf{ kfpg
;DalGwt sfo{ljlwsf] cg';"rL–! adf]lhdsf] lgj]bg cfoftstf{af6 e/fO{ lng' kg]{5 .
5. ;DalGwt sfo{ljlwsf] cg';"rL–! adf]lhdsf] lgj]bg lnO{ cg';"rLdf pNn]v eP cg';f/sf] /Ltk"j{s
td;'s u/fO{ cfoft sfuhftx?sf] e'QmfgLsf nflu a}+sn] ;do–;dodf tf]s] adf]lhd jf clVtof/k|fKt
clwsf/Ln] tf]s]sf] dflh{g /sd u|fxsaf6 hDdf u/fO{ afFsL /sddfq shf{:j?k k|bfg ug'{ kg]{5 .
6. cfoft ;DaGwL ;Dk"0f{ sfuhftx? lng' kg]{5 .
7. l6=cf/=shf{ k|jfx eO{ u|fxssf] kIfdf sfuhft b/kL7 u/L eG;f/af6 ;fdfg 5'6fO{;s]kl5 ;fdfGotof !%
lbgleq dfn;fdfg lelqPsf] k|df0fkq k]z ug{ nufpg'kg]{5 .
8. td;'s tyf cGo sfuhftx?sf] ;DaGwdf ;DalGwt sfo{ljlwsf] cg';"rLdf pNn]v ePadf]lhd x'g]5 .
9. P=cf]=l;=shf{ r'Qmf ePkl5dfq cfoft ;DaGwL sfuhftx?nfO{ u|fxssf] kIfdf b/kL7 ug'{ kg]{5 .
10. cGo shf{ k|bfg u/L l6=cf/=shf{ r'Qmf ug{ kfO{g] 5}g .
11. o; ;DaGwL cGo Joa:yf a}+ssf] k|rlnt ljZjf;sf] lnvt -l6=cf/=_ shf{ sfo{ljlw /÷jf k|tLtkq
sf/f]af/ sfo{ljlwdf pNn]v eP adf]lhd x'g]5 .

140 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

##= lgof{t shf{ -k"j{ lgof{t shf{ Pre-shipment Loan)
k|tLtkqx? / lgof{tsf] cfb]z k|fKt JolQm, lgof{t ug{ Ohfhtkq k|fKt ;DalGwt
shf{ u|fxs lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf JolQmut kmd{÷;fem]bf/L kmd{÷sDkgL÷
g]kfn ;/sf/sf] nufgL ePsf ;+:yf÷sDkgL
shf{sf] k|of]hg ;fdfg lgof{t ug{] tof/Lsf nflu
shf{sf] clwstd Document Value sf] &) k|ltzt;Dd . ;f] ;LdfeGbf a9Lsf] xsdf k|d'v sfo{sf/L
;Ldf clws[tsf] :jLs[lt lng' kg]{5 .
clwstd !*) lbgdf ga9\g] u/L kl5Nnf] lzkd]06 ldlt h'g klxnf x'G5 pQm cjlw
shf{sf] cjlw
jf g]kfn /fi6« a}+sn] ;do ;dodf tf]s]cg';f/ .
shf{ gjLs/0f gjLs/0f ug{ g;lsg] .
shf{sf] k|s[lt Non Revolving k|s[ltsf] x'g] .

shf{ k|bfg ug]{ cfwf/ u|fxssf] jflif{s cfo / Document Value of L/C jf lgof{t cfb]z .
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf
Jofhb/ / e'QmfgL
a'emfpg' kg]{5 .
;]jf z'Ns tyf cGo
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
z'Ns
lwtf] k|fylds k|tLtkqdf pNn]v eP adf]lhdsf sfuhftx?, :6s tyf cGo .
;'/If0f ;xfos 3/÷hUuf, JolQmut hdfgt
s_ 3/;d]t lwtf] ePdf 3/sf] d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf
lwtf] ;'/If0fsf] aLdf clgjfo{ x'g' kg]{5 .
v_ shf{sf] cjlw;Dd ;fdfgsf] aLdf x'g' kg]{5 .
s_ Document sf] lg/LIf0f ug'{ kg]{5 .
shf{sf] cg'udg
v_ shf{sf zt{x?sf] kfngf ePgePsf] cg'udg ug'{ kg]{5 .
yk Joj:yfM
1. g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd ljb]zL d'b|fdf ;d]t o:tf] shf{ k|bfg ug{ ;lsg]5 .
2. k|tLtkqsf zt{ kl/zt{ adf]lhd dfq shf{ k|bfg ug'{ kg]{5 .
3. a}+ssf] k|rlnt k|tLtkq sf/f]af/ sfo{ljlwdf pNn]v ePsf Joj:yfx?sf] kfngf ug'{ kg]{5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 141

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

#$= lgof{t shf{ -lgof{t kZrft\ shf{ Post-shipment Loan)
k|tLtkqx? / lgof{tsf] cfb]z k|fKt JolQm, lgof{t ug{ Ohfhtkq k|fKt
shf{ u|fxs ;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf JolQmut kmd{÷;fem]bf/L
kmd{÷sDkgL÷g]kfn ;/sf/sf] nufgL ePsf ;+:yf÷sDkgL
lgof{t sf/f]af/df e'QmfgL lng afFsL ePsf lgof{tstf{nfO{ /sd pknAw u/fpg]
shf{sf] k|of]hg
k|of]hgsf nflu .
Document Value sf] &) k|ltzt;Dd . ;f] ;LdfeGbf a9Lsf] xsdf k|d'v sfo{sf/L
shf{sf] clwstd ;Ldf
clws[tsf] :jLs[lt lng' kg]{5 .
clwstd !*) lbgdf gj9\g] u/L kl5Nnf] lzkd]06 ldlt h'g klxnf x'G5 pQm
shf{sf] cjlw
cjlw jf g]kfn /fi6« a}+sn] ;do ;dodf tf]s]cg';f/ .
shf{ gjLs/0f gjLs/0f ug{ g;lsg]
shf{sf] k|s[lt Non Revolving k|s[ltsf] x'g] .

shf{ k|bfg ug]{ cfwf/ u|fxssf] jflif{s cfo / Document Value

a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf
Jofhb/ / e'QmfgL
a'emfpg' kg]{5 .
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng'
;]jf z'Ns tyf cGo z'Ns
kg]{5 .
lwtf] k|fylds ;fdfg lgof{t u/]sf sfuhft jf lg:;f
;'/If0f ;xfos 3/÷hUuf k|tLtkq;DaGwL sfuhftx?, JolQmut hdfgt
s_ 3/;d]t lwtf] ePdf 3/sf] d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf
aLdf clgjfo{ x'g' kg]{5 .
v_ shf{sf] cjlw;Dd ;fdfgsf] aLdf x'g' kg]{5 .
s_ Document sf] lg/LIf0f ug'{ kg]{5 .
shf{sf] cg'udg
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug'{ kg]{5 .
yk Joj:yfM
1. g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd ljb]zL d'b|fdf ;d]t o:tf] shf{ k|bfg ug{ ;lsg]5 .
2. k|tLtkqsf zt{ kl/zt{ adf]lhd dfq shf{ k|bfg ug'{ kg]{5 .
3. a}+ssf] k|rlnt k|tLtkq sf/f]af/ sfo{ljlwdf pNn]v ePsf Joj:yfx?sf] kfngf ug'{ kg]{5 .

142 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

#%= k'glg{df{0f shf{ Reconstruction Loan
g]kfn ;/sf/af6 e'sDk k|efljt kl/rokq k|fKt JolQm . u|fxs tyf lghsf]
shf{ u|fxs
kl/jf/df a:gof]Uo cfjf;Lo 3/ gePsf] JolQm egL k|dfl0ft ePsf] x'g' kg]{5 .
e'sDksf sf/0f cfjf;Lo 3/ Ifltu|:t ePsf e's'Dk k|efljt 3/kl/jf/nfO{
shf{sf] k|of]hg
cfjf;Lo 3/ k'glg{df{0fsf nflu .
s_ ;DalGwt lgsfoaf6 3/ lgdf{0fsf] O{hfht lnPsf] x'g'kg]{ .
shf{sf] nflu of]Uotf
v_ lgdf{0f x'g] 3/ sDtLdf !) km'6sf] af6f]n] hf]l8Psf] x'g'kg]{ .
Total Cost Estimate sf] clwstd &) k|ltzt;Dd .
shf{sf] clwstd ;Ldf sf7df08f} pkTosfdf ?=@% nfv;Dd / pkTosf afx]ssf k|efljt lhNnfdf ?=!%
nfv;Dd .
shf{sf] cjlw Go"gtd cjlw % jif{ / clwstd cjlw !) jif{;Dd .
u|]; cjlw tf]lsPsf] shf{ cjlwdf ga9\g] u/L ! jif{;Ddsf] x'g;Sg] .
shf{ gjLs/0f gjLs/0f ug{ g;lsg]
shf{sf] ls:tf e'QmfgL q}dfl;s÷cw{jflif{s
shf{sf] k|s[lt cfjlws, Non Revolving k|s[ltsf] x'g] .
shf{ k|bfg ug]{ cfwf/ u|fxssf] jflif{s cfo
Jofhb/ / e'QmfgL Jofhb/ jflif{s @ k|ltzt x'g]5 . u|fxsn] Jofh dfl;s ?kdf a'emfpg' kg]{5 .
;]jf z'Ns tyf cGo
;]jf z'Ns tyf clu|d e'QmfgL z'Ns nfUg] 5}g .
z'Ns
lwtf] k|fylds lgdf{0f x'g] 3/ / hUuf
;'/If0f ;xfos u|fxssf] Psf3/ kl/jf/sf ;b:ox?sf] JolQmut hdfgt .
s_ lgdf{0f ;DkGg ePkZrft\ 3/sf] d"Nof+sg u/fO{ ;f] /sd a/fa/sf] a}+s a]lglkml;o/L
lwtf] ;'/If0fsf] aLdf x'g] u/L aLdf lgoldt x'g' kg]{5 .
v_ shf{sf] aLdf ePsf] x'g' kg]{5 .
s_ lgdf{0f x'g] cfjf;Lo 3/ /fli6«o ejg ;+lxtf tyf e'sDk k|lt/f]wfTds dfkb08sf]
kfngf u/]sf] x'g' kg]{5 .
shf{sf] cg'udg v_ shf{ k|jfx ubf{ lgdf{0f k|ultsf cfwf/df sDtLdf $ r/0fdf k|jfx ug'{ kg]{5 .
lgdf{0f ePsf] cj:yf / ;f]df ePsf] vr{nfO{ ;d]t cfwf/ dfGg'kg]{5 .
u_ vr{ ePsf] cflwsfl/s ;Ssn ljn, ltg{'kg]{ lx;fa vftfsf] PsLg ug'{ kg]{5 .
yk Joj:yfM
o; shf{ ;DaGwL cGo lgod tyf k|lqmofx? g]kfn /fi6« a}+saf6 e's'Dk k|efljt 3/kl/jf/nfO{ cfjf;Lo 3/
k'glg{df{0fsf nflu k|bfg ul/g] k'g/shf{ sfo{ljlw cg';f/ x'g]5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 143

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

#^= qm]l86 sf8{ ;'ljwfM Credit Card Facility [
u|fxs sfof{nosf] sfo{If]qleq a;f]jf; u/L lbuf] cfo;|f]t ePsf ljZjfl;nf
g]kfnL gful/s÷o; a}+ssf sd{rf/L .
;'ljwfsf] k|of]hg JolQmut cfjZostf k'/f ug{ .
cjlw clwstd ! aif{ .
;'ljwfsf] k|s[lt Revolving
;'ljwf gjLs/0f aflif{s?kdf gjLs/0f ug{ ;lsg] .

;'ljwfsf] ;Ldf Go"gtd ?=@%,))).– b]lv clwstd ?=!),)),))).– ;Dd .

;'ljwf :jLs[t ug]{ qm]l86 sf8{ u|fxs cfDbfgLsf] ;|f]t ;'ljwf ;Ldf
cfwf/
-s_ /f]huf/L cfo /f]huf/L cfo dfl;s cfDbfgLsf] clwstd
ePsf JolQm !=% u'0ff;Dd
-v_ cGo cfDbfgL 3/ ef8f cfDbfgL / dfl;s 3/ ef8f tyf cGo
ePsf JolQm cGo cfDbfgL cfDbfgLsf] clwstd !=%
u'0ff;Dd
-u_ cGo cfDbfgLsf] df}Hbft Po/dfs{ JolQmut lgIf]k df}Hbft
>f]t gePsf] /sdsf] *) k|ltzt;Dd
cj:yfdf a}+s;‘u
lgIf]k sf/f]af/
ul//x]sf u|fxs
-3_ Joj;flos kmd{ Joj;flos cfDbfgL u|fxssf] Joj;fodf /x]sf]
tyf sDkgLdf :jfldTjsf] cfwf/df
;+nUg /x]sf JolQm Joj;flos cfDbfgLsf] cfwf/
-Psn :jfldTjsf] lnO{ lghsf] lx:;fsf] cfwf/df
Joj;flos cf};t dfl;s cfDbfgLsf]
;+:yf÷k|f=ln=sf clwstd !=% u'0ff;Dd
;+rfns
;b:o÷;fem]bf/L
kmd{sf ;fem]bf/
;b:o_

;'ljwf k|bfg ug]{ ;DalGwt lgsfoaf6 k|dfl0ft ePsf] JolQmut cfo, cGo cfo jf Joj;fosf]
cfwf/ dfl;s cfo .
;‘fjf÷Jofhsf] e'QmfgL a}+sn] k|To]s dlxgf c+u|]hL Sofn]08/ cg';f/sf] ! tfl/vsf]] lbgdf u|fxsnfO{
ug]{ cjlw Statement pknAw u/fpg] 5 / u|fxsn] pQm Statement k|fKt ePsf] ldltn]
!% lbgleqdf zt{ cg';f/sf] /sd a'emfpg' kg]{5 . pQm cjlwleq /sd
a'emfpg g;s]df afFsL /sddf a}+sn] ;do;dodf tf]s] cg';f/sf] b/n]
Aofh÷z'Ns nfUg]5 . u|fxssf] vftfdf hDdf ePsf] /sdaf6 zt{ cg';f/sf]
/sd a}+ssf] sf8{ x]g]{ ljefun] c;"n pk/ ug]{5 . u|fxsn] e'QmfgLsf nflu

144 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

ljleGg dfWodsf] k|of]u ug{ ;Sg]5 .

Jofh÷;]jf z'Ns tyf Jofh÷z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd sf8{
cGo z'Ns ;'ljwf k|jfx x'g' cl3 lng' kg]{5 .
lwtf] ;'/If0f u|fxssf] JolQmut hdfgt÷cfo >f]tsf] k|df0f÷lgIf]k Po/dfs{ .
qm]l86 sf8{ ;'ljwfsf] -s_ cfo>f]tsf] cflwsfl/tfsf] ljifodf cg'udg ug{' kg]{5 .
cg'udg -v_ jfli{fs cfo>f]tsf] Plsg u/]/dfq qm]l86 sf8{ ;'ljwf gljs/0f ug{'
kg]{5 .
-u_ u|fxsn] a}+saf6 Statement k|fKt ePsf] ldltn] !% lbgleq zt{
cg';f/sf] /sd a'emfP÷ga'emfPsf] ;DaGwdf ;DalGwt sfof{no / Joj;fo
shf{ ljefun] cg'udg ug{' kg]{5 . /sd a'emfP÷ga'emfPsf] ;DaGwL ljj/0f
a}+ssf] sf8{ x]g]{ ljefun] ;DalGwt sfof{no / Joj;fo shf{ ljefunfO{
pknAw u/fpg]5 .
;'ljwf :jLs[t ug]{ -!_ u|fxsn] a}+ssf] zfvf sfof{nodfkm{t\ qm]l86 sf8{sf] nflu tf]lsPsf]
sfof{no / k|lqmof cfj]bg kmf/fd eg{' kg]{5 ;fy} cfjZos kg]{ sfuhftx? k]z ug{' kg]{5 .
;DalGwt sfof{non] k]z ePsf sfuhftx? ?h' u/L u|fxssf] ljZn]if0f u/]/
l;kmfl/;;fy ;'ljwf ;Ldf :jLs[ltsf] nflu k|fb]lzs sfof{nodf k7fpg'
kg]{5 . skf]{/]6 a}+lsË sfof{non] sfuhftx? ?h' u/L u|fxssf] ljZn]if0f u/]/
l;kmfl/;;fy ;'ljwf ;Ldf :jLs[ltsf] nflu Joj;fo shf{ ljefudf k7fpg'
kg]{5 .
-@_ k|fb]lzs sfof{non] cfjZos ljZn]if0f u/L cfˆgf] clwsf/ ;Ldf;Ddsf]
;'ljwf ;Ldf :jLs[t ug{ ;Sg]5 . ;'ljwf ;Ldf :jLs[t ug{'cl3 k|fb]lzs
sfof{nodf /x]sf] hf]lvd O{sfOaf6 ;d]t hf]lvdsf] ljZn]if0f ug{' kg]{5 .
cfˆgf] clwsf/ ;LdfeGbf a9L /sdsf] ;'ljwf ;Ldf :jLs[t ug{' kg]{
cj:yfdf k|fb]lzs sfof{non] l;kmfl/z;fy ldl;n Joj;fo shf{ ljefudf
k7fpg' kg]{5 .
-#_ k|fb]lzs sfof{no÷skf]{/]6 a}+lsË sfof{noaf6 k|fKt ePsf] ldl;nsf]
Joj;fo shf{ ljefun] cfjZos ljZn]if0f u/L hf]lvd ljZn]if0fsf] nflu
hf]lvd Joj:yfkg ljefudf k7fpg' kg]{5 . hf]lvd Joj:yfkg ljefuaf6
hf]lvd ljZn]if0f eO{ cfPkZrft\ Joj;fo shf{ ljefun] cfkm\gf] clwsf/
;Ldf;Ddsf] qm]l86 sf8{ ;'ljwfsf] ;Ldf :jLs[t ug{ ;Sg]5 . cfkm\gf]
clwsf/ ;LdfeGbf a9L /sdsf] xsdf k|d'v sfo{sf/L clws[t jf lghn]
clVtof/L k|Tofof]hg u/]sf] pk–dxfk|aGwsaf6 ;'ljwf ;Ldf :jLs[t ug{'
kg]{5 . ;'ljwf ;Ldf :jLs[lt ePkl5 ;f]sf] hfgsf/L ;DalGwt zfvf
sfof{nodf / sf8{ hf/L ug{sf] nflu a}+ssf] sf8{ x]g]{ ljefudf k7fpg' kg]{5
.
-$_ ;'ljwf ;Ldf :jLs[t ug]{ clwsf/ k|d'v sfo{sf/L clws[tn] ;do
;dodf tf]s] adf]lhd x'g]5 .
-%_ sf8{ ;DaGwL cGo Joj:yf a}+ssf] sf8{ ;DaGwL k|rlnt sfo{ljlw

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 145

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

cg';f/ x'g]5 .

u|fxssf] of]Uotf -!_ u|fxssf] pd]/ @! aif{ k'/f ePsf] x'g' kg]{5 .
-@_ a}+sn] dfu u/]adf]lhdsf] sfuhft k]z u/]sf] x'g' kg]{5 .
-#_ ;DalGwt sfof{nodf rNtL÷art vftf vf]nL a}+sn] ;do;dodf tf]s]
adf]lhdsf] Go"gtd df}Hbft sfod ug{' kg]{5 .
-$_ u|fxs ljZj;gLo eO{ lghsf] cfo;|f]t / ljQLo cj:yf :jLsf/of]Uo x'g'
kg]{5 .
-%_ u|fxsaf6 shf{ sfo{ljlwsf] cg';"rL #=! adf]lhd :j3f]if0ff lng' kg]{5
. ?= [@] 313nfveGbf dflysf] ;'ljwf ;Ldfsf] xsdf clgjfo{?kdf shf{
;"rgf s]Gb|af6 ;fv ;"rgf lng' kg]{5 . a}+s jf ljQLo ;+:yfx?;Fusf]
sf/f]af/ ;Gtf]ifhgs eO{ sfnf] ;"rLdf g/x]sf] x'g' kg]{5 .
yk Joj:yfM
1. u|fxsn] cfDbfgLsf] >f]t :ki6 v'n]sf] k|df0f k]z ug{' kg]{5 ;fy} shf{ ljZn]ifsn] cfo;|f]tsf]
k|df0fLs/0f ug{' kg]{5 . 3/ ef8f cfDbfgLsf] >f]t :yfgLo lgsfosf] k|df0fLs/0fsf] cfwf/df ug{'
kg]{5 .
2. d'2lt vftfsf] ;'/If0fdf hf/L ul/g] qm]l86 sf8{sf] ;Ldf lgwf{/0f ubf{ d'2lt shf{sf] ;Ldf ePdf ;f]
;Ldf 36fP/dfq ug{' kg]{5 . d'2lt vftfsf] cjlw ggf£g] u/L cjlw lgwf{/0f ug{' kg]{5 . u|fxsn]
d'2lt vftf Pre-matured ug{ rfx]df qm]l86 sf8{af6 ePsf ;Dk"0f{ vr{ /sdsf] e'QmfgL ug{' kg]{5 .
3. o; a}+sdf sfo{/t sd{rf/LnfO{ qm]l86 sf8{ ;'ljwf k|bfg ubf{ /f]huf/L cfo ePsf u|fxs ;/x g}
cfDbfgLsf] ljZn]if0f ug{' kg]{5 . o; a}+ssf sd{rf/Lsf] xsdf ;DalGwt sfof{nosf] l;kmfl/z
cfjZos kg]{5 .
4. qm]l86 sf8{ ;'ljwf ;Ldf k|bfg ubf{ u|fxssf] cfo;|f]t, hf]lvd lgwf{/0f ;DaGwL Parameter, ;Defljt
hf]lvd ljZn]if0f / Go"lgs/0fsf pkfox?sf] cfwf/df ug{' kg]{5 .
5. Temporary / Permanent u/L b'O{ k|sf/n] Limit Enhance ug{ ;lsg]5 . u|fxssf] cflwsfl/s lgj]bg
lnO{ s]xL ;dosf] nflu Limit a9fpg pko'Qm ePdf Limit a/fa/sf] /sd vftfdf Po/dfs{ u/L
Temporary Limit Enhance ug'{ kg]{5 / of] cjlw Ps Statement Cycle sf] dfq x'g]5 . Permanent Limit
sf] xsdf k'gM ljZn]if0f ug'{ kg]{5 .
6. qm]l86 sf8{ ;'ljwf k|bfg u/L ;s]kl5 qm]l86 sf8{ ;'ljwf k|bfg ubf{sf zt{x? kfngf eP÷gePsf]
;DaGwdf ;DalGwt sfof{non] cg'udg ug{' kg]{5 . zt{x? kfngf gePsf] cj:yfdf jf cGo s'g}
sf/0fn] u|fxsnfO{ qm]l86 sf8{sf] ;'ljwf pkof]u ug{ lbO{ /xg a}+snfO{ pko'Qm gnfu]df a}+sn]
h'g;'s} avt qm]l86 sf8{ ;'ljwf aGb u/L aSof}tf /sd c;"n pk/ ug{' kg]{5 . a}+ssf] sf8{ x]g]{
ljefun] qm]l86 sf8{ ;'ljwf aGb ug]{5 .
7. g]kfn /fi6« a}+snfO{ l/kf]l6{Ë a}+ssf] ljQ tyf n]vf ljefudfkm{t\ / vftfx?af6 qm]l86 sf8{sf] zt{
cg';f/sf] ljn /sdsf] c;"nL a}+ssf] sf8{ x]g]{ ljefudfkm{t\ x'g]5 . tf]lsPsf] ldlt;Dd qm]l86
sf8{sf] zt{ cg';f/sf] ljn e'Qmfg gu/]sf u|fxssf] /sd c;"nLsf nflu a}+ssf] sf8{ x]g]{
ljefudfkm{t\ ;DalGwt sfof{nodf ljj/0f pknAw u/fpg' kg]{5 . c;"nL gePsf] shf{x?sf] a}+ssf]
sf]/ a}+lsË l;:6ddf Entry ;DalGwt sfof{non] ug]{5 .
8. qm]l86 sf8{ ;'ljwf cGtu{t efvf gf3]sf qm]l86 sf8{sf] shf{ gf]S;fgL Joj:yf g]kfn /fi6« a}+ssf]
lgb]{zg adf]lhd x'g]5 .

313
;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd æ!Æ eGg] zJb k|lt:yfkg ePsf]]

146 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

9. efvf gf3]sf qm]l86 sf8{sf] c;"nL k|lqmof a}+ssf] k|rlnt c;"nL ljlgodfjnL tyf sfo{ljlwdf
ePsf] Joj:yf adf]lhd x'g]5 .
10. qm]l86 sf8{ ;'ljwf ;Ldfsf] !) k|ltzt;Dd Cash Withdrawal Facility x'g]5 . s'n :jLs[t ;Ldfsf] ()
k|ltzt;Dd sf8{af6 vr{ ug{ ;lsg]5 . o; ;DaGwL cGo Joj:yf g]kfn /fi6« a}+saf6 qm]l86 sf8{
;'ljwf ;DaGwL ;do ;dodf hf/L ug]{ lgb]{zg adf]lhd x'g]5 .
11. sf/f]af/df x'g ;Sg] u|fxs tyf ;]jf (Product) ;DaGwL hf]lvd, Execution, Delivery and Process
Management ;DaGwL hf]lvd tyf cGo afXo kIf;Fu x'g;Sg] ;Defljt hf]lvd Go"lgs/0fsf nflu
b]xfosf kIfx?df Wofg lbg' kg]{5M
-s_ kl/rokq tyf cfo>f]t v'Ng] sfuhftsf] Cross Verification ug{' kg]{5 . cfjZostf cg';f/
Tax Clearance Document ;d]t lng' kg]5 { .
-v_ cGo a}+ssf] qm]l86 sf8{ ;'ljwf eP÷gePsf] :jM3f]if0ff lng' kg]{5 .
-u_ u|fxs 5gf}6 ubf{ lghsf] cfo>f]t / ljZjf;gLotfnfO{ k|d'v cfwf/ dfGg' kg]{5 .
-3_ a}+s;Fu sf/f]af/ ul//x]sf u|fxsnfO{ k|fyldstf lbO{ sf/f]af/ ug{' kg]{5 .
-ª_ Joj;flos cfjZostf k'/f ug]{ p2]Zon] qm]l86 sf8{ ;'ljwf dfu ug]{ u|fxs klxrfg u/L
To; k|s[ltsf u|fxsx?nfO{ lg?T;flxt ug{' kg]{5 .
-r_ ;]jf k|bfosaf6 u|fxssf] sf/f]jf/sf] Trend, clws sf/f]af/ ug]{ If]q cflb ljj/0f k|fKt u/L
cfjZostf cg';f/ hf]lvd ljZn]if0f ug{' kg]{5 .
-5_ lglZrt of]Uotf, /fli6«o tyf cGt/f{li6«o lgodgsf/L lgsfox?sf] Go"gtd dfkb08 Kf'/f u/]sf
tyf ljut jif{x?df ;kmn Joj;fo ;~rfng ul//x]sf Vendor/Service Provider 5gf}6 u/L
hf]lvd Go'lgs/0f ug{' kg]{5 .
-h_ qm]l86 sf8{ ;'ljwfsf] k|lqmofut r/0fdf x'g;Sg] hf]lvd Go"gLs/0f ug{ Flow Chart tof/ ug{'
kg]{5 .
-em_ sf8{ ;~rfngdf b]vf kg{;Sg] ;d:of ;dfwfgsf nflu a}+sn] lg/Gt/ u|fxs ;]jf sIf
;~rfng ug{' kg]{5 .
-`_ ;'ljwf ;Ldf :jLs[t ePkZrft\ u|fxsnfO{ lbO{g] kqdf qm]l86 sf8{sf] ljn e'QmfgL ug]{ dfWod
tyf cGo z'Nssf] af/]df :ki6 hfgsf/L u/fpg' kg]{5 .
-6_ u|fxssf] vftfdf /x]sf] df}Hbft /sdaf6 zt{ cg';f/sf] /sd s§f ug{ ;lsg] Joxf]/fsf]
:jLs[lt lng' kg]{5 .
-7_ lgoldt ?kdf ljn cg';f/sf] /sd e'Qmfg gePsf] v08df u|fxsaf6 /sd c;"nL ug{ ldNg]
;a} Joxf]/f v'n]sf] JolQmut hdfgt u/fO{ c;"nL ;DaGwL hf]lvd Go'lgs/0f ug{' kg]{5 . ] 314

314
;+rfns ;ldltsf] ldlt @)&^.!).@* sf] a}7s g+ *)$ af6 b]xfosf] qm]l86 sf8{ k|f]8S6 k|lt:yfkg u/]sf] .
shf{ u|fxs sfof{nosf] sfo{If]qleq a;f]jf; u/]sf] ljZjfl;nf g]kfnL gful/s .
shf{sf] k|of]hg JolQmut jf Joj;flos cfjZostf kl/k'lt{ ug{
shf{ cjlw clwstd ! jif{
shf{ gjLs/0f cfo;|f]tsf] PsLg u/]/dfq shf{ ;Ldf gjLs/0f ug{ ;lsg]
clwstd shf{ ;Ldf dfl;s cfosf] @=% u'0ff;Dd jf ?=% nfv;Dd h'g sd x'G5 .
shf{sf] k|s[lt rfn' k'FhL, Revolving k|s[ltsf] x'g] .
shf{ k|bfg ug]{ cfwf/ ;DalGwt lgsfoaf6 k|dfl0ft ePsf] JolQmut jf Joj;fosf] dfl;s cfo .
;fFjf÷Jofhsf] e'QmfgL ug]{ cjlw a}+saf6 Statement k|fKt ePsf] ldltn] !% lbgleq .
;]jf z'Ns tyf cGo z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
lwtf] ;'/If0f JolQmut hdfgt÷cfo ;|f]tsf] k|df0f
s_ ;fFjf / Jofh /sd tf]lsPsf] ;dodf e'QmfgL ePgePsf] cg'udg ug'{ kg]{5 . v_ nuftf/ @ k6s;Dd tf]lsPsf] ;fFjf /
Jofhsf] ls:tf ga'emfPdf qm]l86
shf{sf] cg'udg sfo{sf] ;'ljwf /f]Ssf -Block) ug'{ kg]{5 . To;kl5 ;d]t c;"nL x'g g;s]df a}+s lgodfg';f/ c;"nL k|lqmofdf hfg'kg]{5 .
u_ sd{rf/Laf6 cfo;|f]tsf] cflwsfl/stfsf] ljifodf cg'udg ug'{ kg]{5 .
shf{ :jLs[t ug]{ sfof{no d'Vo sfof{non] ;do ;dodf tf]s] adf]lhd x'g]5 .
shf{ :jLs[t ug]{ k|lqmof a+}sn] tf]s] adf]lhdsf] kmf/fdsf] k|of]u ug'{ kg]{5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 147

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

#&= P=cf]=;L=(AOC): Advace on Credit
shf{ u|fxs a}+s;Fu k|tLtkq sf/f]af/ ul//x]sf u|fxsx?
shf{sf] k|of]hg eG;f/af6 ;fdfg 5'6fO{ lgof{tstf{÷ljqm]tfnfO{ a}+s dfkm{t\ e'QmfgL k7fpg .
clwstd shf{ ;Ldf a}+saf6 hf/L ePsf] -v'n]sf]_ k|tLtkqsf] e'QmfgL ug{ afFsL cfjZos /sd;Dd .
Ifl0fs ;dosf] nflu cfoftstf{n] e'QmfgL gubf{;Ddsf] nflu pknAw u/fOg] .
shf{sf] cjlw
clwstd () lbg;Dd .
shf{ gjLs/0f gjLs/0f ug{ g;lsg] .
shf{sf] k|s[lt rfn' k'FhL÷k|s[ltsf] x'g] .
shf{ k|bfg ug]{ cfwf/ o;nfO{ Forceful Loan sf] ?kdf lnOg] .
a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . Jofh dfl;s ?kdf a'emfpg'
Jofhb/ / e'QmfgL
kg]{5 .
a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng'
;]jf z'Ns tyf cGo z'Ns
kg]{5 .
lwtf] k|fylds dfn;fdfg cfoftsf] sfuhft tyf cGo
;'/If0f ;xfos 3/÷hUuf, JolQmut hdfgt
3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g'
lwtf] ;'/If0fsf] aLdf
kg]{5 .
s_ kl/of]hgf ;+rfng eP÷gePsf] cg'udg ug'{ kg]{5 .
shf{sf] cg'udg v_ u|fxsn] a}+s;Fu shf{ r'Qmf ug{ u/]sf] k|ltj4tf k"/f u/]÷gu/]sf] cg'udg ug'{
kg]{5 .
yk Joj:yfM
o;nfO{ Forceful Loan sf] ?kdf lnOg] ePsf]n] cGo shf{ ;/x of] shf{nfO{ :jLs[t ul/g] 5}g . of] shf{ Book
ug]{ ;DaGwdf bkmf -&$_ adf]lhd x'g]5 .

148 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

#*= hdfgt bfjL shf{ Guarantee Claim Loan
shf{ u|fxs a}+ssf hdfgt u|fxsx? .
a}+sn] hf/L u/]sf] hdfgt pk/ a]lglkml;o/Ln] bfjL u/]df a}+s lgodfg';f/ e'QmfgL
shf{sf] k|of]hg
lbg .
clwstd shf{ ;Ldf a}+saf6 hf/L hdfgtsf] /sd;Dd .
shf{sf] cjlw clwstd () lbg;Dd .
shf{ gjLs/0f gjLs/0f ug{ g;lsg] .
shf{sf] k|s[lt rfn' k'FhL÷k|s[ltsf] x'g] .
shf{ k|bfg ug]{ cfwf/ o;nfO{ Forceful Loan sf] ?kdf lnOg] .
a}+sn] ;do ;dodf tf]s] cg';f/sf] pRr Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s
Jofhb/ / e'QmfgL
?kdf a'emfpg' kg]{5 .
;]jf z'Ns tyf cGo z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 .
lwtf] k|fylds 3/÷hUuf tyf cGo
;'/If0f ;xfos JolQmut hdfgt
3/ lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g'
lwtf] ;'/If0fsf] aLdf
kg]{5 .
shf{sf] cg'udg shf{ k|jfx ePsf] ldltb]lv g} c;"nL tfs]tf ug'{ kg]{5 .
yk Joj:yfM
o;nfO{ Forceful Loan sf] ?kdf lnOg] ePsf]n] cGo shf{ ;/x of] shf{nfO{ :jLs[t ul/g] 5}g . of] shf{ Book
ug]{ ;DaGwdf bkmf -&$_ adf]lhd x'g]5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 149

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[#(= P;=Pd=O{=shf{ (SME Loan)

shf{ u|fxs ;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut
kmd{÷;fem]bf/L kmd{÷sDkgL .
shf{ k||of]hg ;fgf tyf n3' pBf]usf] :yfkgf, lj:tf/ / ;+rfng ug{sf nflu .
shf{sf] cjlw / k|s[lt 5f]6f] cjlw Revolving k|s[ltsf] x'g] .
dWod cjlw -clwstd % jif{_ Non Revolving k|s[ltsf] x'g] .
shf{ gjLs/0f 5f]6f] cjlw gjLs/0f ug{ ;lsg] .
dWod cjlw gjLs/0f ug{ g;lsg] .
shf{sf] ls:tf e'QmfgL dWod cjlw q}dfl;s÷cw{jflif{s÷jflif{s
shf{sf] clwstd ;Ldf ?=@) nfv;Dd
shf{ k|bfg ug]{ cfwf/ kl/of]hgfsf] ;DefJotfsf] cfwf/df cfjZos ;+rfng k'FhL /sdsf] clwstd
*) k|ltzt;Dd / kl/of]hgfsf] :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos kg]{ l:y/
k'FhL /sdsf] clwstd &) k|ltzt;Dd .
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf
a'emfpg'kg]{5 .
;]jf z'Ns tyf cGo z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng'kg]{5 .
lwtf] k|fylds 3/÷hUuf
;'/If0f ;xfos JolQmut hdfgt
lwtf] ;'/If0fsf] aLdf 3/ lwtf] ePdf dNof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g'kg]{ .
shf{sf] cg'udg s_ kl/of]hgf ;'rf??kdf ;+rfng eP÷gePsf] cg'udg ug{'kg]{5 .
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{'kg]{5 .
yk Joj:yfM
1. ;fgf pBf]ux?sf] :yfkgf, ljsf;÷lj:tf/ / ;+rfngsf] nflu clwstd ?=@) nfv;Ddsf] shf{ o;
zLif{s cGtu{t /xL :jLs[t ug{' kg]{5 .

2. ;fgf tyf n3' pBd;Fu ;DalGwt cGo Joj:yfsf] ;DaGwdf g]kfn ;/sf/ tyf g]kfn /fi6« a}+saf6
;do ;dodf tf]s] cg';f/ x'g]5 . ] 315

315
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhdsf] yk ePsf]

150 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[$)= ;x'lnotk"0f{ shf{
shf{ u|fxs shf{ kfpgof]Uo g]kfnL gful/s jf ;DalGwt lgsfodf btf{ eO{ lgoldt gljs/0f
ePsf shf{ kfpg of]Uo JolQmut kmd{÷;fem]bf/L kmd{÷sDkgL÷;d'x÷ ;+:yf .
shf{ k|o| f]hg Joj;flos ?kdf s[lif tyf kz'kG5L kfng ;DaGwL sfo{ ug{, lzlIft o'jfx?nfO{
:j/f]huf/d'ns sfo{ ug{, a}b]lzs /f]huf/Laf6 kms]{sf o'jfx?af6 :yflkt tyf
;+rflnt x'g]÷ePsf kl/of]hgfsf] nflu, dlxnfx?nfO{ pBdlzn agfpg, blnt
;d'bfon] ;+rfng ug]{ Joj;fosf] ljsf; ug{, pRr / k|fljlws tyf Joj;flos
lzIff cfh{g ug{, e"sDk lkl8tx?nfO{ lghL cfjf; lgdf{0f ug{, sk8f pBf]u
;+rfng ug{ / k|fljlws lzIff tyf Joj;flos tflnd kl/ifbaf6 dfGotf k|fKt
;+:yfaf6 lnOg] tflndsf] nflu / o'jf ju{ :j/f]huf/ shf{sf] nflu.
shf{ u|fxssf] -s_ Joj;flos s[lif tyf kz'kG5L shf{–
Go'gtd of]Uotf • JolQmsf] xsdf pd]/ !* aif{ k'/f ePsf] x'g'kg]{ .
• ?=!) nfv;Dd JolQm÷;d'x÷kmd{÷sDkgL÷;+:yf, ?=!) nfv eGbf a9L
?=! s/f]8;Dd kmd{÷;+:yf / ?=! s/f]8 eGbf a9L shf{ /sd k|jfx ubf{
clgjfo{?kdf sDkgL x'g' kg]{5 .
• ?=!) nfv;Dd shf{ dfu ubf{ kl/of]hgf ;DaGwL ;+lIfKt k|:tfj / ?=!)
nfv eGbf a9L shf{sf] xsdf lj:t[t kl/of]hgf k|:tfj k]z ug'{kg]{ .
-v_ lzlIft o'jf :j/f]huf/ shf{–
• slDtdf :gfts tx pQL0f{ u/]sf] / pd]/ $) aif{ ggf3]sf] x'g'kg]{ .
• g]kfn ;/sf/sf] cflwsfl/s lgsfoaf6 slDtdf & lbgsf] pBd÷Joj;fo
ug]{ ;Lk ljsf; ;DaGwL tflnd lnPsf] x'g' kg]{5 . t/ k|fljlws ljifodf
:gfts u/L ;f]xL ljifo ;DaGwL Joj;fo ug]{ ePdf ;Lk ljsf; ;DaGwL
tflnd lnPsf] cfjZos x'g] 5}g .
• shf{ pkof]u ;DaGwL ;+lIfKt kl/of]hgf k|:tfj .
-u_ j}b]lzs /f]huf/Laf6 kms]{sf o'jf kl/of]hgf shf{–
• >d :jLs[t u/L jf gu/L s'g} klg b]zdf slDtdf ^ dlxgf sfd u/L
g]kfn kms]{sf o"jf x'g' kg]{ .
• shf{ pkof]u ;DaGwL ;+lIfKt kl/of]hgf k|:tfj k]z u/]sf] x'g'kg]{.

-3_ dlxnf pBdlzntf shf{–

• pd]/ !* aif{ k'/f ePsf] x'g'kg]{ jf ;d"xsf] xsdf km/s kl/jf/sf slDtdf
% hgf !* aif{ pd]/ k'/f ePsf dlxnf x'g'kg]{ .
• shf{ pkof]u ;DaGwL ;+lIfKt kl/of]hgf k|:tfj .

-ª_ blnt ;d'bfo Joj;fo ljsf; shf{–

• JolQmsf] xsdf pd]/ !* aif{ k'/f ePsf] jf ;d"xsf] xsdf pQm hfthftL
leqsf km/s kl/jf/sf slDtdf % hgf !* aif{ pd]/ k'/f ePsf x'g'kg]{ .
• shf{ pkof]u ;DaGwL ;+lIfKt kl/of]hgf k|:tfj k]z u/]sf] x'g'kg]{.
-r_ pRr / k|fljlws tyf Joj;flos lzIff shf{–
• dfWolds lzIff jf ;f] ;/x pQL0f{ u/L @% aif{ pd]/ ggf3]sf] .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 151

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

• cfly{s ?kdf ljkGg, l;dfGts[t ;d'bfo jf nlIft ju{sf] ljBfyL{ ePsf]
k|df0f x'g'kg]{
• :jb]zsf] s'g} sn]h jf ljZjljBfnodf cWoog ul//x]df jf ug{ vf]h]df .
-5_ e"sDk lkl8tx?sf] lghL cfjf; lgdf{0f shf{–
• g]kfn ;/sf/n] lghL cfjf; lgdf{0fsf nflu cg'bfg lbP afx]s c?
;+:yfut cg'bfg gkfPsf / /fli6«o k'glg{df{0f k|flws/0f;Fu lghL cfjf;
lgdf{0f ug{ ;Demf}tf u/L cfly{s cefjsf sf/0f xfn;Dd cfjf; lgdf{0f
sfo{ ;DkGg ug{ g;s]sf e'sDk lkl8t JolQmx? h;sf] cfˆg} jf cfˆgf]
kl/jf/sf] gfddf s'g} klg :yfgdf a:g of]Uo 3/ gePsf] .
-h_ sk8f pBf]u shf{–
• pBf]usf] ;Dk"0f{ :jfldTj g]kfnL gful/ssf] x'g' kg]{5 .
• pBf]u d"No clea[l¢ s/df clgjfo{ ?kdf btf{ ePsf] x'g' kg]{5 .
• cl3Nnf] cfly{s jif{sf] s/ r'Qmf k|df0f kq clgjfo{ ?kdf k]z u/]sf] x'g'
kg]{5 .
• shf{ pkof]u ;DjGwL lj:t[t kl/of]hgf k|:tfj k]z ug'{kg]{5 .
• wfuf]jf6 sk8f pTkfbg ug]{ pBf]u x'g' kg]{5 .
-em_ k|fljlws lzIff tyf Joj;foLs tflnd kl/ifbaf6 dfGotf k|fKt ;+:yfaf6
lnOg] tflnd shf{–
• pd]/ !* aif{ k'/f ePsf] g]kfnL gful/s x'g' kg]{ .
• k|fljlws lzIff tyf Joj;foLs tflnd kl/ifbaf6 dfGotf k|fKt ;+:yfdf
egf{ ePsf] sfuhft k]z ug'{kg]{5 .
• tflnd lng rfx]sf] ljifo v'Ng] sfuhft k]z ug'{ kg]{5 .

-~f_ o'jf ju{ :j/f]huf/ shf{–

• dfWolds tx jf ;f] ;/x pQL0f{ u/]sf] x'g' kg]{5 .
• ;Lk ljsf; pBdlzntf tflnd s]Gb|, 3/]n' tyf ;fgf pBf]u sfof{no jf
;ldlt, k|fljlws lzIff tyf Joj;flos tflnd kl/ifb\ nufotsf ;/sf/L
lgsfo dWo] s'g} lgsfojf6 sDtLdf ;ft lbgsf] pBd jf Joj;fo ug]{
;Lk ljsf; / pBdlzntf tflnd clgjfo{ ?kdf lnPsf] jf pQm shf{
:jLs[t ePkl5 To:tf] ;+:yfdf ;Lk ljsf; tflnd lnPsf] k|df0f k]z
u/]sf] x'g'kg]{5 .
• pBd ;+rfng tyf shf{ pkof]u ;DaGwL ;+lIfKt k|:tfj k]z ug'{ kg]{5 .
• ;d'xsf] xsdf ;fd"lxs hdfgL ;DaGwL sfuhft k]z ug'{ kg]{5 .
shf{sf] k|s[lt shf{sf] pk–zLif{s shf{sf] k|s[lt
-s_ Joj;flos s[lif tyf kz'kG5L shf{ cfjlws shf{÷;+rfng shf{
-v_ lzlIft o'jf :j/f]huf/ shf{ cfjlws shf{
-u_ a}b]lzs /f]huf/Laf6 kms]{sf o'jf cfjlws shf{
kl/of]hgf shf{
-3_ dlxnf pBdlzntf shf{ cfjlws shf{
-ª_ blnt ;d'bfo Joj;fo ljsf; shf{ cfjlws shf{

152 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

-r_ pRr / k|fljlws tyf Joj;flos lzIff cfjlws shf{
shf{
-5_ e"sDk lkl8tx?sf] lghL cfjf; lgdf{0f cfjlws shf{
shf{
-h_ sk8f pBf]u shf{ ;+rfng k"FhL shf{
-em_ k|fljlws lzIff tyf Joj;foLs tflnd cfjlws shf{
kl/ifbaf6 dfGotf k|fKt ;+:yfaf6 lnOg]
tflnd shf{
-~f_ o'jf ju{ :j/f]huf/ shf{ cfjlws shf{
shf{sf] cjlw / ;+rfng k'FhL shf{ ! aif{ Revolving k|sl[ tsf] x'g] .
k|sl[ t cfjlws shf{ clwstd % jif{ - Non Revolving k|s[ltsf] x'g] .
3/hUuf lwtf] /xg]
Joj;flos s[lif tyf
kz'k+IfL shf{sf] xsdf
!% jif{;Dd_ .
shf{ gljs/0f ;+rfng k'FhL shf{ gljs/0f ug{ ;lsg] .
cfjlws shf{ gljs/0f ug{ g;lsg] .
shf{sf] ls:tf cfjlws shf{ dfl;s÷q}dfl;s÷cw{jflif{s÷jflif{s÷EMI
e'QmfgL
shf{sf] lsl;d, shf{sf] pk–zLif{s shf{sf] clwstd lwtf]sf] k|sl[ t
clwstd ;Ldf / ;Ldf
lwtf] s_ Joj;flos s[lif tyf ?=!) nfv;Dd shf{ u|fxssf] Psf3/
kz'kG5L shf{ kl/jf/sf ;b:ox?sf]
JolQmut hdfgLsf cfwf/df
/ kl/of]hgf lwtf] .
?=!) nfv eGbf a9L a}+snfO{ :jLsf/ of]Uo x'g]
% s/f]8;Dd 3/ hUUff tyf kl/of]hgf
lwtf] .
v_ lzlIft o'jf :j/f]huf/ ?=& nfv;Dd JolQmut hdfgLsf cfwf/df
shf{ ;Ssn z}lIfs k|df0fkq
lwtf] .
u_ ljb]zaf6 kms]{sf o'jf ?=!) nfv;Dd JolQmut hdfgLsf cfwf/df
kl/of]hgf shf{ kl/of]hgf lwtf] .
3_ dlxnf pBdlzn shf{ ?=!% nfv;Dd JolQmut jf ;fd"lxs
hdfgLsf cfwf/df
kl/of]hgf lwtf] jf a}+snfO{
:jLsf/ of]Uo x'g] 3/ hUUff
tyf kl/of]hgf lwtf].
ª_ blnt ;d'bfo Joj;fo ?=!) nfv;Dd JolQmut jf ;fd"lxs
ljsf; shf{ hdfgLsf cfwf/df
kl/of]hgf lwtf] .
r_ pRr / k|fljlws tyf ?=% nfv;Dd shf{ u|fxssf] Psf3/
Joj;flos lzIff shf{ kl/jf/sf ;b:ox?sf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 153

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

JolQmut hdfgLsf cfwf/df
5_ e"sDk lkl8tx?sf] lghL ?=# nfv;Dd JolQmut jf ;fd"lxs
cfjf; lgdf{0f shf{ hdfgLsf cfwf/df
kl/of]hgf lwtf] .
-h_ sk8f pBf]u shf{ ?= % s/f]8;Dd a}+snfO{ :jLsf/ of]Uo 3/
hUuf tyf kl/of]hgf lwtf] .
-em_ k|fljlws lzIff tyf ?= @ nfv;Dd shf{ u|fxssf] Psf3/
Joj;foLs tflnd kl/jf/sf ;b:ox?sf]
kl/ifbaf6 dfGotf k|fKt JolQmut hdfgLsf cfwf/df
;+:yfaf6 lnOg] tflnd .
;DaGwL shf{
-~f_ o'jf ju{ :j/f]huf/ ?= % nfv;Dd JolQmut jf ;fd"lxs
shf{ hdfgLsf cfwf/df
kl/of]hgf lwtf] .
shf{ k|bfg ug]{ cfjlws kl/of]hgfsf] :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos kg]{ l:y/
cfwf/ shf{ k"FhL /sdsf] clwstd &) k|ltzt;Dd jf a}+sn] ;do ;dodf tf]s]
jdf]lhd x'g]5 . pRr / k|fljlws tyf Joj;flos lzIff÷tflnd
shf{sf] xsdf ;DalGwt cWoog ;+:yfgn] cflwsfl/s ?kdf tf]s]sf]
s'n z'Ns /sdsf] clwstd *) k|ltzt;Dd jf a}+sn] ;do
;dodf tf]s] jdf]lhd x'g]5 .
;+rfng k"hF L kl/of]hgfsf] nflu cfjZos ;+rfng k"FhL /sdsf] clwstd *)
shf{ k|ltzt;Dd jf a}+sn] ;do ;dodf tf]s] jdf]lhd x'g]5 .

lwtf] k|fylds kl/of]hgf÷;Ssn z}lIfs k|df0fkq÷3/ hUuf

;'/If0f ;xfos JolQmut hdfgt÷;fd"lxs hdfgL
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf
a'emfpg' kg]{5 .
;]jf z'Ns ;]jf z'Ns lng kfOg] 5}g .
cGo z'Ns shf{ ;"rgf z'Ns / shf{ ;'/If0f z'Ns lgodfg';f/ u|fxsn] a'emfpg' kg]{5 .
shf{ ;'/If0f ?=!) nfv eGbf a9L Joj;flos s[lif tyf kz'kG5L / sk8f pBf]u shf{ afx]s
cGo ;x'lnotk"0f{ shf{sf] xsdf lgIf]k tyf shf{ ;'/If0f sf]ifaf6 clgjfo{ ?kdf
s'n :jLs[t shf{ /sdsf] ;'/If0f ug]{ Joj:yf ug'{ kg]{5 . shf{ ;'/If0fafktsf]
s'n z'Ns /sdsf] u|fxsn] %) k|ltzt Joxf]g{' kg]{5 .
aLdf Joj:yf -s_ kl/of]hgfdf ePsf :yL/ ;DklQ, :6s tyf lwtf]df /xg] 3/, ;]8, 6x/f /
ldn d]l;g/Lx?sf] a}+s a]lglkml;o/L x'g] u/L clgjfo{?kdf aLdf u/]sf] x'g' kg]{5 .
-v_ aLdfsf] cjlw ;dfKt gx'Fb} k|To]s jif aLdf gljs/0f u/L ;f]sf] ;Ssn
kf]ln;L k]z u'g{ kg]{5 .
-u_ ?=!) nfv eGbf a9L Joj;flos s[lif tyf kz'kG5L shf{ / sk8f pBf]u
shf{sf] xsdf ztk|ltzt aLdf lk|ldod ;DalGwt shf{ u|fxsn] Joxf]g'{ kg]{5 .
-3_ ?=!) nfv eGbf a9L Joj;flos s[lif tyf kz'kG5L shf{ / sk8f pBf]u
shf{ afx]ss cGo ;x'lnotk"0f{ shf{sf] xsdf aLdf lk|ldod afktsf] /sddWo]
%) k|ltzt ;DalGwt Joj;foLn] g} Joxf]g{' kg]{5 / afFsL %) k|ltzt aLdf
lk|ldod ;DalGwt aLdf sDkgLn] aLdf ;ldlt dfkm{t g]kfn /fi6« a}+saf6 ;f]wegf{

154 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

kfpg] 5g .
shf{sf] cg'udg -s_ kl/of]hgf ;'rf??kdf ;+rfng eP÷gePsf] lgoldt ?kdf cg'udg ug{'
kg]{5 .
-v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{' kg]{5 .
-u_ shf{ /sd ;b'kof]u ePsf] gkfOPdf Jofh cg'bfg ;'ljwf pknAw gx'g] /
Aofh cg'bfg ;'ljwf lnO{ ;s]sf] eP ;DalGwt C0fLaf6 c;"n pk/ ul/g] ePsf]n]
shf{ /sdsf] ;b'kof]lutf eP÷gePsf] lgoldt cg'udg ug{' kg]{5 .
yk Joj:yfM

1. cfk;L ;DaGw ePsf] C0fLsf] ;d'x leqsf] s'g} JolQm kmd{, ;+:yf jf sDkgLn] ;x'lnotk"0f{ shf{
-e'sDk lkl8t jfx]s_ lnP kZrft ;d'x leqsf] cGo JolQm, kmd{, ;+:yf jf sDkgLnfO{
;x'lnotk"0f{ shf{ nufgL ul/g] 5}g .
2. kl/of]hgf ;+rfng ug]{ :yfg / shf{ cfj]bssf] :yfoL 7]ufgf km/s ePdf :yfoL a;f]af; ePsf]
:yflgo lgsfoaf6 :yfoL a;f]jf; ;DaGwL l;kmfl/z k]z ug'{ kg]{5 .
3. dlxnf pBdlzntf shf{ zLif{sdf a}+ssf] k|rlnt sfo{ljlw jdf]lhd 3/hUuf lwtf] lnO{ ?=!)
nfv eGbf a9L ?=!% nfv;Dd nufgL ug{ lgIf]k tyf shf{ ;'/If0f sf]ifaf6 k"j{ :jLs[tL lng' kg]{
5}g .
4. ?=!) nfv eGbf j9L ?=!% nfv;Dd 3/hUuf lwtf] glnO{ shf{ nufgL ug'{ k/]df b]xfodf
pNn]lvt sfuhft ;lxt ;DalGwt k|b]z sfof{no dfkm{t\ ;DalGwt ljefudf l;kmfl/; u/L
k7fpg' kg]{5 . To:tf] shf{sf] ljifodf ljefun] lgIf]k tyf shf{ ;'/If0f sf]ifaf6 k"j{ ;xdlt lnO{
;DalGwt zfvf sfof{nonfO{ hfgsf/L k7fP kZrft\ dfq shf{ :jLs[t ug'{ kg]{5M
-s_ shf{ cfj]bssf] lgj]bgsf] k|ltlnkL
-v_ Joj;flos of]hgf jf cGo o:t} k|sf/sf] ljj/0f
-u_ Joj;fo btf{ ;DaGwL k|df0fkqsf] k|ltlnkL
-3_ Joj;fo÷kl/of]hgfsf] a}+saf6 ePsf] lg/LIf0f k|ltj]bgsf] k|ltlnkL
-ª_ l:y/ ;DklQ lwtf] /xg] ePdf ;f] ;DaGwL ljj/0f
-r_ yk v'nfpg' kg]{ cGo Joxf]/f ePdf ;f] ;DaGwL ljj/0f
5. ? !) nfv;Dd Joj;flos s[lif tyf kz'k+5L shf{, dlxnf pBdzLn shf{, blnt ;d'bfo
Joj;fo ljsf; shf{, o'jf ju{ :j/f]huf/ shf{ cGtu{t ;d'xnfO{ shf{ k|bfg ubf{ b]xfo jdf]lhd
ug'{kg]{5 .
-s_ u7g ePsf] ;d'xdf km/s÷km/s kl/jf/sf !* jif{ pd]/ k'/f ePsf sDtLdf % -
kfFr_ hgf ;b:o x'g' kg]{5 .
-v_ ;d'x g]kfn ;/sf/sf] cflwsfl/s lgsfodf btf{ ePsf] x'g' kg]{5 .
-u_ ;d'xsf] :yfoL n]vf gDa/ (PAN) x'g' kg]{5 .
-3_ Ps ;d'xnfO{ clwstd ?=!) nfv;Dd dfq Joj;flos s[lif tyf kz'kG5L shf{
k|jfx ug{ ;lsg] 5 .
-ª_ ;d'xdf ePsf ;Dk"0f{ ;b:ox?sf] a}+sn] tf]s] adf]lhd lglb{i6 kmd]{6df clgjfo{?kdf
;fd'lxs hdfgL lng' kg]{5 .
-r_ ;d'x ;+rfng ;DaGwL ;ldltsf kbflwsf/Lx?sf] clgjfo{?kdf JolQmut hdfgt
;d]t lng' kg]{5 .
6. Joj;flos s[lif tyf kz'kG5L shf{sf] ?= % s/f]8sf] ;Ldfdf yk ?=% s/f]8;Dd shf{ nufgL ug'{
k/]df æ;x'lnotk"0f{ shf{sf nflu Jofh cg'bfg ;DaGwL Plss[t -t];|f] ;+zf]wg_ sfo{ljlw, @)&%Æ
n] Joj:yf u/]sf] s]Gb|Lo ;dGjo tyf cg'udg ;ldltn] :jLs[lt lbPdf dfq shf{ k|jfx ug{

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 155

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

;lsg] 5 . pQm ;ldltn] :jLs[lt lbP kZrft ?=% s/f]8;Dd % k|ltzt tyf ?=% s/f]8eGbf a9L
yk shf{ /sddf @ k|ltzt dfq Jofh cg'bfg k|fKt x'g]5 .
7. e'sDk lkl8tx?sf] lghL cfjf; lgdf{0f shf{ ldlt @)&& d+l;/ d;fGt;Dd dfq k|jfx ug'{ kg]{5
.
8. e'sDk lkl8tx?sf] lghL cfjf; lgdf{0f shf{ afx]s cGo JolQmnfO{ ;x'lnotk"0f{ shf{ k|jfx ubf{
clgjfo{?kdf :yfoL n]vf gDa/ (PAN) lng' kg]5 { .
9. o; k|f]8\S6 k]k/ cg';f/ shf{ k|jfx ubf{ cfjZos kg]{ kmd]{6 k|rlnt shf{ sfo{ljlwn] tf]s]
adf]lhd x'g]5 .
10. ?=!) nfv;Dd ljgf lwtf] Joj;flos s[lif tyf kz'k+IfL shf{ k|jfx ubf{ clgjfo{ ?kdf cfjlws
shf{ k|bfg ug'{kg]{5 t/ ;+rfng k|s[ltsf] shf{ k|bfg ug{ kfOg] 5}g .
11. lwtf] lnO{ nufgL ePsf] Joj;flos s[lif tyf kz'k+IfL shf{sf] :yL/ k"+hL shf{sf] xsdf
kl/of]hgfsf] k|s[lt / gub k|jfxsf cfwf/df clwstd !% jif{;Dd e'QmfgL sfo{qmd sfod ug{
;lsg] 5 . Jofh cg'bfg /sd k|fKt ug]{ cjwL % jif{;Dd jf æ;x'lnotk"0f{ shf{sf nflu Jofh
cg'bfg ;DaGwL Plss[t -t];|f] ;+zf]wg_ sfo{ljlw, @)&%Æ n] tf]s]sf] eGbf a9L cjlwsf] shf{sf]
e"QmfgL cjlw sfod ug'{ kg]{ ePdf pQm cjlw kZrft a}+sn] tf]s]sf] Jofhb/ cg';f/ g} Jofh
;DalGwt u|fxsn] a'emfpg' kg]{5 .
12. æ;x'lnotk"0f{ shf{sf nflu Jofh cg'bfg ;DaGwL Plss[t -t];|f] ;+zf]wg_ sfo{ljlw, @)&%Æ sf]
cg';"rL ! df pNn]v ePsf sfo{ ug{ ljifout ;xsf/L ;+:yfnfO{ ?=! s/f]8;Dd Joj;flos s[lif
tyf kz'kG5L shf{ nufgL ug{ ;lsg] 5 . pQm ljifout ;xsf/L ;+:yfsf] ljlgoddf s[lif
pTkfbg, kz'kG5Lkfng jf s[lif÷kz'kG5Lkfngsf] pkhsf] k|zf]wg jf e08f/0f ug]{ p2]Zo pNn]v
ePdf o; k|f]8\S6 cg';f/ Joj;flos s[lif tyf kz'kG5L shf{ nufgL ug{ ;lsg] 5 . t/ pQm
;+:yfsf] ljlgoddf art kl/rfng tyf C0f sf/f]jf/ ug]{ p4]Zo pNn]v ePdf pQm ;+:yfnfO{
shf{ nufgL ug{ ;lsg] 5}g .
13. sk8f pBf]udf k|jfx ePsf] shf{ pBf]u ;+rfng sfo{df pkof]u u/]sf] gkfOPdf ;/sf/L afFsL
;/x c;'n pk/ ug'{kg]{5 . To;/L c;'n pk/ ug'{ kg]{ ;fFjf /sddf !% k|ltzt Jofh ;d]t
c;'n ug'{kg]{5 .
14.:yfgLo, k|b]z jf ;+3Lo ;/sf/af6 cGo s'g} ;x'lnotk"0f{ C0f jf kF"hLut cg'bfg jf ;'ljwf
lnPsf JolQm jf ;+:yfn] bf]xf]/f] ;'ljwf kfpg] u/L shf{ nufgL ug{ kfOg] 5}g . ;f] ;DaGwdf
u|fxsjf6 :j3f]if0ff lng'kg]{5 .
15. o; k|f]8'S6 k]k/ cg';f/ shf{ :jLs[lt ug'{ cl3 clgjfo{?kdf shf{ ;"rgf s]Gb|af6 ;fv ;"rgf
lng' kg]{5 .
16. o; k|f]8'S6 k]k/ cg';f/ shf{ k|jfx ePsf] hlt;'s} /sd ePtf klg g]kfn /fi6« a}+ssf] lgb]{zg
cg';f/ shf{ ;"rgf s]Gb|df tf]lsPsf] ;do leq clgjfo{?kdf shf{sf] ljj/0f cBfjlws ug'{
kg]{5 .
17. æ;x'lnotk"0f{ shf{sf nflu Jofh cg'bfg ;DaGwL Plss[t -t];|f] ;+zf]wg_ sfo{ljlw, @)&%Æ
adf]lhdsf] lglb{i6 kmd]{6df dfl;s / q}dfl;s?kdf g]kfn /fi6« a}+sdf tf]lsPsf] ;do leq
l/kf]l6{Ë ug'{kg]{5 .
18. ;x'lnotk"0f{ shf{ ;'/If0fsf nflu lgIf]k tyf shf{ ;'/If0f sf]if;Fu o; a}+ssf] ;Demf}tf eP
cg';f/ shf{ ;'/If0f ug'{kg]{ shf{sf] ljj/0f cw{ jflif{s?kdf tf]lsPsf] ;do ;Ldf leq lglb{i6
kmd]{6 cg';f/ lgIf]k tyf shf{ ;'/If0f sf]ifdf k7fpg' kg]{5 .
19. lgIf]k tyf shf{ ;'/If0f sf]if;Fu ;x'lnotk"0f{ shf{sf] ;'/If0f u/fpFbf cfjlws shf{sf] xsdf
nufgLdf /lx/x]sf] /sdsf] / rfn' k"FhLsf] xsdf -ldlt @)&^÷!!÷!@ eGbf cl3 shf{ nufgL
ePsf_ :jLs[t ;Ldf a/fa/sf] /sdsf] ! k|ltztn] x'g cfpg] /sdsf] %) k|ltzt k|To]s jif{
clu|d ?kdf shf{ ;'/If0f z'Ns jfkt C0fLaf6 lng' kg]5 { . ;fy} ;x'lnotk"0f{ shf{sf nflu Jofh
156 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

cg'bfg ;DaGwL Plss[t sfo{ljlwn] ;do ;dodf tf]s] adf]lhdsf] shf{ ;'/If0f z'Ns C0fLaf6
lng' kg]{5 .
20. ;x'lnotk"0f{ shf{ ;DaGwL cGo Joj:yfx? a}+ssf] k|rlnt shf{ gLlt tyf sfo{ljlw tyf ;+3Lo
;/sf/af6 hf/L ePsf] æ;x'lnotk"0f{ shf{sf nflu Jofh cg'bfg ;DaGwL Plss[t -t];|f] ;+zf]wg_
sfo{ljlw, @)&%Æ / g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd x'g]5 .
21. shf{ sfo{ljlw,@)&# sf] cg';"rL ! cGtu{t -&_ g+= df /x]sf] o'jf s[lif shf{sf] k|f]8S6 k]k/ vf/]h
ul/Psf] 5 . ;fljs o"jf s[lif shf{sf] k|f]8S6 k]k/ cGtu{t /xL k|jfx ePsf] shf{ o;} k|f]8S6 k]k/
adf]lhd ePsf] dflgg]5 .

]316

316
;+rfns ;ldltsf] ldlt @)&%.)(.)% sf] a}7s g+= &@! sf] lg0f{o adf]lhd yk ePsf] k|f]8S6 k|d'v sfo{sf/L :t/sf] ldlt @)&^.!!.!@ sf] lg0f{o
adf]lhd k|lt:yfkg ul/Psf]df k'gM ldlt @)&&.!).#) sf] k|d'v sfo{sf/L clws[t :t/sf] lg0f{oaf6 k|ltZyflkt ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 157

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[$!= Salary Account Loan

shf{ u|fxs g]kfn ;/sf/ jf g]kfn ;/sf/sf] :jfldTj /x]sf ;+ul7t ;+3 ;+:yf -
;fj{hlgs ;+:yfg÷k|flws/0f÷kl/ifb÷jf]8{÷s]Gb|÷;ldlt÷ljZjljBfno÷
z}lIfs ;+:yf÷g]kfnL ;]gf÷g]kfn k|x/L÷;z:q k|x/L an÷cGo_ tyf cGo
k|fOe]6 jf klAns lnld6]8 sDkgL jf ;+ul7t ;+3 ;+:yfdf sfo{/t /xL o;
+ df Salary Account /x]sf sd{rf/Lx? .
a}s
shf{ k|of]hg JolQmut÷kfl/jfl/s ljQLo cfjZostf kl/k"lt{ ug{ .
clwstd shf{ ;Ldf ?=!% nfv;Dd .
shf{sf] k|sl[ t Revolving k|s[lt / cfjlws k|s[lt .
shf{sf] cjlw Revolving k|s[ltsf] shf{sf] cjlw clwstd ! jif{;Dd jf sd{rf/Lsf]
afFsL ;]jf cjlw h'g sd x'G5 .
cfjlws shf{sf] xsdf clwstd % jif{;Dd jf sd{rf/Lsf] afFsL ;]jf
cjlw h'g sd x'G5 .
shf{ gjLs/0f Revolving k|s[ltsf] shf{ gjLs/0f ug{ ;lsg] / cfjlws shf{ gjLs/0f
ug{ g;lsg] .
shf{ k|bfg ug]{ cfwf/ [..] 317shf{ u|fxssf] s"n jflif{s cfo, shf{ ltg{;Sg] Ifdtf, lgh sfo{/t
/x]sf] ;DalGwt ;+:yfn] a}+snfO{ lbPsf] ;+:yfut hdfgt .[…] 318
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s
?kdf a'emfpg' kg]{5 .
shf{sf] [ls:tf] 319 e'QmfgL cfjlws shf{sf] xsdf dfl;s ls:tf jf EMI . [..] 320
;]jf z'Ns tyf cGo z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3
lng' kg]{5 .
lwtf] ;'/If0f k|fylds ;DalGwt ;+:yfsf] ;+:yfut hdfgt [jf ;+:yfut hdfgt lbg g;Sg]
;+:yfsf] xsdf sd{rf/LnfO{ k|jfx x'g] shf{ /sdnfO{ vfDg k'Ug] lgIf]k
/sd ;DalGwt ;+:yfsf] o; a}+sdf /x]sf] vftfdf /f]Ssf /fVg' kg]{5 . ] 321
;xfos u|fxssf] Psf3/ kl/jf/sf ;b:ox?sf] JolQmut hdfgt . [..] 322
shf{sf] cg'udg != dfl;s ?kdf shf{sf] ls:tf / Jofh /sd a'emfP÷ga'emfPsf] ;DaGwdf ;3g?kdf
cg'udg ug{' kg]{5 .
@= shf{ gjLs/0f ubf{ u|fxssf] cfDbfgLsf] ;|f]t k'gM Plsg ug{' kg]{5 .

317
@)&^.)$.)^ ;fnsf] ;~rfns ;ldltsf] lg0f{o adf]lhd " tnjL art vftf vf]lnPsf lgIf]k u|fxsnfO{ shf{ k|bfg ug]{ ;DaGwdf gLh
sfo{/t ;+:yfsf] af/]df pQm ;+:yfn] pknJw u/fPsf] ljlQo ljj/0f, cfjZos cGo ljj/0fsf] tyf sfofnosf] l;kmfl/zsf] cfwf/df d'Vo
sfof{non] pQm ;+:yfnfO{ tnjL vftf shf{ ;]jf pknJw u/fpg] :jLs[tL pknJw u/fpg] 5 ." eGg] Joj:yf x6fOPsf]
318
@)&^.)$.)^ ;fnsf] ;~rfns ;ldltsf] lg0f{o adf]lhd "lgodfg';f/ cfjZos kg]{ shf{ ;"rgf ljj/0f " eGg] Joj:yf x6fOPsf]
319
@)&^.)$.)^ ;fnsf] ;~rfns ;ldltsf] lg0f{o adf]lhd ";fFjf" zJb k|ltZyflkt ePsf]
320
@)&^.)$.)^ ;fnsf] ;~rfns ;ldltsf] lg0f{o adf]lhd "Revolving k|s[tLsf] shf{sf] xsdf aflif{s . " eGg] Joj:yf x6fOPsf]
321
@)&^.)$.)^ ;fnsf] ;~rfns ;ldltsf] lg0f{o adf]lhd ", o:tf] hdfgt shf{ :jLs[lt ubf{ af gaLs/0f ubf{ cfjZos kg]{5 . ;DjlGwt
:+:yfsf sd{rf/LnfO{ k|bfg ug]{ shf{nfO{ vfDg k'Ug] lgIf]k ;+:yfsf] vftfdf /f]Ssf /flvg'sf ;fy} cfjZostf cg';f/ yk df}Hbft /fVg' kg]{5 "
eGg] Joj:yf k|ltZyflkt ePsf]
322
@)&^.)$.)^ ;fnsf] ;~rfns ;ldltsf] lg0f{o adf]lhd " u|fxs jf Psf3/ kl/jf/sf] hUufwgL k|df0f k'hf{sf] k|dfl0ft k|ltlnkL " eGg]
Joj:yf x6fOPsf]

158 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

shf{ c;"nL != shf{sf] dfl;s ls:tf / Jofh e"QmfgL u|fxssf] o; a}+sdf /x]sf] Salary Account
af6 s§f x'Fb} hfg]5 .
@= shf{sf] ;fFjf / Jofh e"Qmfg gePsf] ldltn] !% lbgleqdf ;DalGwt u|fxsnfO{
[;fFjf, Jofh / xh{gf /sd !% lbg leq a'emfpg] af/]sf]] ]323 lnlvt kq a'emfO{
;f]sf] hfgsf/L ;DalGwt ;+:yfut hdfgt lbg] ;+:yfnfO{ ;d]t u/fpg' kg]{5 .
#= olb tf]lsPsf] pQm cjlw leqdf ;d]t aSof}tf /sd c;"n pk/ gePdf jSof}tf
/sd c;"nLsf] nflu ;xof]u ug{ ;DalGwt ;+:yfut hdfgt lbg] ;+:yfnfO{ ljB'lto
dfWodjf6 hfgsf/L u/fO{ jf lnlvt kqfrf/ ug{' kg]{5 . ;DalGwt ;+:yfn] kq
a'em]sf] ldltn] a9Ldf ! dlxgf;Dd klg ;DalGwt u|fxssf] jSof}tf /sd c;"n pk/
gePdf ;DjlGwt ;+:yfaf6 jSof}tf /sd c;"n pk/ ug]{ hfgsf/L lbO{ vftfaf6 s§f
ul/g] 5 .
[$= shf{ c;'nL ;DaGwL cGo Joj:yf k|rlnt P]g lgod tyf o; a}+ssf] ljBdfg
shf{ c;'nL sfo{ljlw cg'?k x'g]5 . ] 324
yk Joj:yfM
1. shf{ /sd ;+:yfn] k|bfg u/]sf] hdfgt /sd;Ddsf] x'g ;Sg]5 .
2. s"n shf{ ;Ldf clwstd ?=!% nfv;Dd [dfq] 325 x'g]5 . [;f] dWo] Revolving k|s[ltsf] clwstd
?= % nfv;Dd dfq tyf cfjlws k|s[ltsf] ?=!) nfv;Dd shf{ k|jfx ug{ ;lsg] 5 . shf{
u|fxssf] cfo ;|f]tsf] cfwf/df s"n shf{ ;Ldf ?=!% nfv ggf£g] u/L clwstd ?=!% nfv;Dd
cfjlws shf{ dfq klg pknAw u/fpg ;lsg]5 . ] 326
3. shf{sf] cjlw sfod ubf{ lgh u|fxssf] afFsL /x]sf] ;]jf cjlw jf ;f]eGbf sd x'g' kg]{5 . lghsf]
;]jf cjlw ;DalGwt ;+:yfn] k|dfl0ft u/]sf] x'g' kg]{5 .
4. shf{ dfu ug]{ u|fxssf] :yfoL n]vf gDa/ PAN clgjfo{ ?kdf lnPsf] x'g' kg]{5 .
5. ;DalGwt ;+:yfn] shf{ dfu ug]{ u|fxssf] lj:t[t ljj/0f h:t}M gfd, kb, :yfoL tyf c:yfoL 7]ufgf,
lgo'lQm ldlt, ;]jfaf6 cjsfz x'g] ldlt, vfOkfO{ cfPsf] jflif{s tna cflb k|dfl0ft ul/ lbg' kg]5 { .
6. ;+:yfut hdfgt lbg] ;+:yfn] [;Demf}tf adf]lhd Go"gtd df}Hbft /xg] u/L] 327
o; a}+sdf rNtL
jf cGo vftf vf]n]sf] x''g' kg]{5 . ;fy} pQm vftfdf [lgoldt?kdf sf/f]af/ u/]sf] x'g' kg]{5 . ] 328
7. ;+:yfn] cfkm";Fu sfo{/t /x]sf] ;Dk"0f{ sd{rf/Lx?sf] Salary Account vf]Ng nufO{ pgLx?n] dfl;s
?kdf kfpg] tna pQm vftfdf hDdf ug]{ k|ltj4tf u/]sf] x'g kg]{5 . o;/L tna vftfdf hDdf ug]{
/sd ;+:yfsf] o; a}+sdf /x]sf] rNtL vftf jf cGo vftfaf6 hDdf x'g' kg]{5 .
8. æa}+sn] tf]s]sf] ;dodf ;fFjfsf] ls:tf tyf Jofh ga'emfO{ ^) lbgeGbf a9L cjlwn] efvf g3fPdf
o; ;+:yfsf] o; a}+sdf /x]sf] vftfnfO{ 8]lj6 u/L aSof}tf /sd c;"n pk/ ug{ xfd|f] d~h"/L /x]sf]

323
@)&^.)$.)^ ;fnsf] ;~rfns ;ldltsf] lg0f{o adf]lhd " !% lbgleqdf cfkm"n] a'emfpg' kg]{ ;fFjf, Aofh / xhf{gf /sd a'emfPg] af/]sf]
ljw'tLo dfWodaf6 hfgsf/L u/fO{ jf " eGg] Joj:yf k|ltZyflkt ePsf]
324
@)&^.)$.)^ sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk
325
@)&^.)$.)^ sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk
326
@)&^.)$.)^ sf] ;~rfns ;ldltsf] lg0f{o adf]lhd " ;f] dWo] clwstd ?= !) nfv;Ddsf] shf{ cfjlws k|s[ltsf] x'g ;Sg]5 . olb
u|fxsn] pQm cfjlws shf{ pkof]u u/]df Revolving k|s[ltsf] shf{ dfu ePdf clwstd ?= % nfv;Dd pknJw u/fpg ;lsg] 5 . shf{
u|fxssf] cfo ;|ft] nfO{ cfwf/ dfg]/ clwstd ?= !% nfv;Ddsf] cfjlws shf{ dfq klg pknJw u/fpg ;lsg]5" eGg] Joj:yf k|ltZyflkt
ePsf]
327
@)&^.)$.)^ sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk
328
@)&^.)$.)^ sf] ;~rfns ;ldltsf] lg0f{o adf]lhd " tf]lsPsf] /sd /x]sf] jf ;f] a/fa/sf] sf/f]af/ u/]sf] x'g' kg]{5 " eGg] Joj:yf
k|ltZyflkt ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 159

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

5Æ eGg] cfzosf] [kq ;+:yfaf6 ;Dej eP;Dd n]vfO{ lng' kg]{5 .] 329
9. a}+s / ;+:yfut hdfgL lbg] ;+:yfsf] aLrdf [b]xfo adf]lhd ;Demf}tf ug'{ kg]{5 .
-s_o; k|s[ltsf] shf{ lbgsf] nflu ;Demf}tf ;d]t ePsf] x''g' kg]{5 . ;fy} pQm ;+:yf;Fu ;Demf}tf ug'{
cl3 ;f] ;+:yfsf] ljQLo ljj/0f, x'g;Sg] sf/f]jf/ tyf ;Demf}tfsf] d:of}bfsf] k|ltlnkL ;lxt
l;kmfl/; u/L shf{ ljefudf k7fpg' kg]{5 . ljefun] cfjZos ljZn]if0f u/L l;kmfl/; ;lxt
Joj;fo x]g]{ pk–dxfk|aGws ;dIf k]z ug'k{ g]{5 . pk–dxfk|aGwsn] :jLs[t jf c:jLs[t ug{
;Sg] 5g . :jLs[tL jf c:jLs[ltsf]] hfgsf/L ;DalGwt sfof{nonfO{ u/fpg' kg]{5 .
-v_a'Fbf ( sf] pk–a'Fbf -s_ adf]lhd ;Demf}tf ePsf ;+:yfx?;Fu ePsf] aflif{s sf/f]jf/ tyf pQm
;+:yfx?sf] k|To]s jif{sf] ljQLo ljj/0f lnO{ clgjfo{ ?kdf pQm ;Demf}tfsf] jflif{s ;ldIff shf{
ljefun] ug'{ kg]{5 . ] 330
10.a}+saf6 shf{ ;fk6L lng] k|of]hgsf] nflu ;+:yfdf sfo{/t sd{rf/Lx?sf] nflu ;+:yf hdfgL a:g]
;DaGwL cfjZos gLltut Joj:yf ;DalGwt ;+:yfsf] ;+rfns ;ldlt jf Joj:yfkg ;ldlt [..] 331
jf6 :jLs[t ePsf] x'g' kg]{5 ;fy} ;f]sf] k|ltlnkL ;d]t a}+sdf k]z ug{' kg]{5 .
11. ;+:yfsf] wg hdfgL lbg] cflwsf/Ls k|ltlglwsf] ljifodf ;+:yfsf] cflwsfl/s lg0f{o ;lxtsf] lghsf]
ljj/0f ;d]t a}+sdf k]z ug{' kg]{5 .
12. o:tf] shf{sf] ljj/0f dfl;s ?kdf cBfjlws u/L If]qLo sfof{nodf k7fpg' kg]{5 . If]qLo sfof{non]
cfkm' dftxtsf sfof{nox?af6 k|fKt ljj/0f cBfjlws u/L shf{ ljefudf k7fpg' kg]{5 .
13. [shf{ u|fxLn] tf]sLPsf] ;dodf ;fFjf tyf Jofh e"Qmfg gu/L shf{ lg:s[o ePsf] cj:yfdf hdfgt
lbg] ;+:yfn] pQm shf{ km/kmf/s gub}{ h'g;'s} sf/0f ;+:yf ;+:yf g} lj36g x'g uPdf jf ;DalGwt
;+:yf;Fu ePsf] ;Demf}tf e+u ePdf shf{ u|fxLsf] rn crn ;DklQaf6 ;d]t shf{ c;"n pk/ ug{
;lsg] 5 . ] 332 ] 333

329
@)&&.!@.@%sf] ;~rfns ;ldltsf] lg0f{o adf]lhd "Joxf]/f ;d]t ;+:yfn] a}+snfO{ lbPsf] ;+:yfut hdfgtdf pNn]v x'g' kg]{5 ." eGg] Joj:yf
k|ltZyflkt ePsf]
330
@)&^.)$.)^ ;fnsf] ;~rfns ;ldltsf] lg0f{o adf]lhd " o; k|s[ltsf] shf{ lbgsf] nflu ;Demf}tf ;d]t ePsf] x'g' kg]{5 . ;fy} pQm
;+:yf;Fu ;Demf}tf ug'{ cl3 ljefuaf6 clgjfo{ :jLs[lt lng' kg]{5 " eGg] Joj:yf k|ltZyflkt ePsf]
331
@)&^.)$.)^ ;fnsf] ;~rfns ;ldltsf] lg0f{o adf]lhd " af ;+:yf k|d'v " eGg] Joj:yf x6fOPsf]
332
@)&^.)$.)^ ;fnsf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk
333
;+rfns ;ldltsf] ldlt @)&%.)(.@( sf] a}7s g+= &@( sf] lg0f{o adf]lhd yk ePsf]

160 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[ $@= xf]d :6] ;]jf shf{ Home Stay Service Loan
shf{ u|fxs sfof{nosf] sfo{ If]qleq a;f]jf; u/L shf{ kfpgof]Uo g]kfnL gful/s,
;DalGwt lgsfodf btf{ eO{ lgoldt gljs/0f ePsf shf{ kfpgof]Uo
JolQmut kmd{÷;fem]bf/L kmd{÷;+:yf÷sDkgL .
shf{sf] k|of]hg xf]d:6] ;]jf ;+rfng tyf :yfkgf, ljsf; / lj:tf/sf] nflu .
shf{sf] k|s[lt rfn' k'FhL Revolving k|s[ltsf] x'g] .
l:y/ k'FhL Non Revolving k|s[ltsf] x'g] .
shf{sf] ;Ldf clwstd ?=@) nfv;Dd
shf{sf] cjlw rfn' k'FhL clwstd ! jif{
l:y/ k'FhL clwstd !) jif{;Dd
u|]; cjlw l:y/ k'FhL shf{sf] cjlw ggf3\g] u/L clwstd ! jif{;Dd
shf{ gjLs/0f rfn' k'FhL gjLs/0f ug{ ;lsg]
l:y/ k'FhL gjLs/0f ug{ g;lsg]
shf{sf] ls:tf e'QmfgL l:y/ k'FhL dfl;s÷q}dfl;s÷cw{jflif{s[÷Equated Monthly Installment
334
(EMI)]
shf{ k|bfg ug]{ cfwf/ kl/of]hgf ;+rfngsf] nflu cfjZos kg]{ rfn' k'FhL
rfn' k'FhL
/sdsf] clwstd *) k|ltzt;Dd .
l:y/ k'FhL kl/of]hgfsf] :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos
kg]{ l:y/ k'h
F L /sdsf] clwstd &) k|ltzt;Dd .
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh
dfl;s ?kdf a'emfpg'kg]{5 .
;]jf z'Ns tyf cGo z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3
lng'kg]{5 .
lwtf] ;'/If0f k|fylds lgdf{0f x'g] kl/of]hgf / 3/÷hUuf tyf cGo
;xfos JolQmut hdfgt
aLdf s_ lgdf{0f ePsf] kl/of]hgfsf] d'Nof+sg /sdsf] a}+s a]lglkml;o/L x'g]
u/L aLdf lgoldt x'g'kg]{ .
v_ 3/ lwtf] ePdf d'Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf
clgjfo{ x'g'kg]{ .
shf{sf] cg'udg s_ kl/of]hgf ;'rf??kdf ;+rfng eP÷gePsf] cg'udg ug{'kg]{5 .
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{'kg]{5 .
u_ shf{sf] ls:tf k|bfg ubf{ lgdf{0f ePsf] kl/of]hgfsf] cj:yf, ;f]df
ePsf] vr{ tyf yk ePsf] ;DklQnfO{ cfwf/ dfGg'kg]{5 .
yk Joj:yfM
1. ?=@) nfv dflysf] shf{sf] xsdf ko{6g ;]jf zLif{sdf shf{ k|jfx ug{'kg]{5 .
2. sfof{nosf] sfo{If]q aflx/ -j]lhNnf_ sf] ;fdflhs tyf ef}lts k"jf{wf/sf] ljsf; ePsf]
If]qsf] lwtf] lnO{ shf{ nufgL ug{'kg]{ cj:yfdf If]qLo÷d'Vo sfof{nosf] :jLs[lt lng'kg]{5 .
cGo a}+s jf ljQLo ;+:yfdf shf{ /lx/x]sf] cj:yfdf pQm a}+s jf ljQLo ;+:yfdf /x]sf]
cfjlws shf{ /sd;Dd shf{ nufgL ug{ ;lsg]5 . ] 335
334
@)&&.!@.@%sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk
335
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd ;]jf shf{ cGtu{tsf] " ko{6g ;]jf -xf]6n, l/;f]{6, /]i6'/]G6, 6«fen
P08 6';{, 6«]lsË, /flˆ6Ë, /fOl8Ë, Sofgf]loË, Kof/fUnfO{l8Ë tyf cGo ko{6g;Fu ;DalGwt_, dgf]/~hg ;]jf -l;g]df tyf l;g]df xn, kfs{,

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 161

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

kmgkfs{, :jLldË k'n, PSjf]l/od tyf cGo dgf]/~hg;Fu ;DalGwt_, " zJb x6fOPsf]] / ;f] If]qsf nflu cnUu} k|f]8S6 g+= $@ xf]d :6] shf{ tyf
$# ko{6g ;]jf shf{ yk ePsf]

162 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[ $#= ko{6g ;]jf shf{ Tourism Service Loan
shf{ u|fxs ;DalGwt lgsfodf btf{ eO{ lgoldt gljs/0f ePsf shf{ kfpgof]Uo
JolQmut kmd{÷;fem]bf/L kmd{÷;+:yf÷sDkgL .
shf{sf] k|of]hg ko{6g ;]jf -xf]6n, l/;f]6{, /]i6'/]G6, 6«feN; P08 6';{, 6«]lsË, /flˆ6Ë,
/fOl8Ë, Sofgf]loË, Kof/fUnfO{l8Ë tyf cGo ko{6g;Fu ;DalGwt_,
dgf]/~hg ;]jf -l;g]df tyf l;g]df xn, kfs{, kmgkfs{, :jLldË k'n,
PSjf]l/od tyf cGo dgf]/~hg;Fu ;DalGwt_ .
shf{sf] k|s[lt rfn' k'FhL Revolving k|s[ltsf] x'g] .
l:y/ k'FhL Non Revolving k|s[ltsf] x'g] .
shf{sf] cjlw rfn' k'FhL clwstd ! jif{
l:y/ k'FhL clwstd @) jif{;Dd
u|]; cjlw l:y/ k'FhL shf{sf] cjlw ggf3\g] u/L clwstd @ jif{;Dd
shf{ gjLs/0f rfn' k'FhL gjLs/0f ug{ ;lsg]
l:y/ k'FhL gjLs/0f ug{ g;lsg]
shf{sf] ls:tf e'QmfgL l:y/ k'FhL dfl;s÷q}dfl;s÷cw{jflif{s
shf{ k|bfg ug]{ cfwf/ rfn' k'FhL u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo
ljj/0f cg';f/ kl/of]hgf ;+rfngsf] nflu cfjZos kg]{
rfn' k'FhL /sdsf] clwstd *) k|ltzt;Dd .
l:y/ k'FhL u|fxssf] Joj;fosf] sfo{ of]hgf tyf k|If]lkt ljQLo
ljj/0f cg';f/ kl/of]hgfsf] :yfkgf÷ljsf;÷lj:tf/sf]
nflu cfjZos kg]{ l:y/ k'FhL /sdsf] clwstd &)
k|ltzt;Dd .
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh
dfl;s ?kdf a'emfpg'kg]{5 .
;]jf z'Ns tyf cGo z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3
lng'kg]{5 .
lwtf] ;'/If0f k|fylds lgdf{0f x'g] kl/of]hgf / 3/÷hUuf tyf cGo
;xfos JolQmut hdfgt
aLdf s_ lgdf{0f ePsf] kl/of]hgfsf] d'Nof+sg /sdsf] a}+s a]lglkml;o/L x'g]
u/L aLdf lgoldt x'g'kg]{ .
v_ 3/ lwtf] ePdf d'Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf
clgjfo{ x'g'kg]{ .
u_ kl/of]hgf / To;df /x]sf :6s÷dfn;fdfgsf] aLdf ug{'kg]{5 .
shf{sf] cg'udg s_ kl/of]hgf ;'rf??kdf ;+rfng eP÷gePsf] cg'udg ug{'kg]{5 .
v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{'kg]{5 .
u_ shf{sf] ls:tf k|bfg ubf{ lgdf{0f ePsf] ejgsf] cj:yf, ;f]df
ePsf] vr{ tyf yk ePsf] ;DklQnfO{ cfwf/ dfGg'kg]{5 .
3_ q}dfl;s ?kdf :6ssf] ljj/0f, cjlw cg';f/sf] cf;fdL vftfsf]
ljj/0f, ltg{'kg]{ lx;fjsf] ljj/0f lnO{ ldl;ndf cBfjlws ug{'kg]{5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 163

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

yk Joj:yfM
1. dfly plNnlvt k|of]hgafx]s cGo ;]jfd'ns Joj;fosf] xsdf ;]jf zLif{sdf shf{ k|jfx
ug{'kg]{5 .
2. kl/of]hgf ;DkGg ePkl5sf] s'n d'Nof+lst /sd / ;f]df /x]sf] d]zLgx? a}+s a]lglkml;o/L
x'g]u/L aLdf lgoldt x'g'kg]{5 .
3. sfof{nosf] sfo{If]q aflx/ -j]lhNnf_ sf] ;fdflhs tyf ef}lts k"jf{wf/sf] ljsf; ePsf]
If]qsf] lwtf] lnO{ shf{ nufgL ug{'kg]{ cj:yfdf If]qLo÷d'Vo sfof{nosf] :jLs[lt lng'kg]{5 .
4. lgdf{0f ;DkGg e};s]sf] 7'nf kl/of]hgfsf] xsdf lgdf{0f ;DkGg ePsf] % jif{leq lgdf{0f
nfut tyf To;df /x]sf] l:y/ ;DklQ vl/b ubf{sf] VAT lan ;d]tnfO{ cfwf/ dfgL
cfjlws shf{ ;d]t k|bfg ug{ ;lsg]5 . cGo a}+s jf ljQLo ;+:yfdf cfjlws shf{
/lx/x]sf] cj:yfdf pQm shf{ r'Qmf u/L o; a}+saf6 cfjlws shf{ lng rfx]df pQm a}+s
tyf ljQLo ;+:yfdf /x]sf] cfjlws shf{sf] /sd;Dd shf{ nufgL ug{ ;lsg]5 .
5. 7'nf kl/of]hgfsf] xsdf Project Financing ubf{ ckgfpg'kg]{ ;Dk"0f{ k|lqmofx? k'/f u/L
kl/of]hgf:yndf lgdf{0f x'g] ef}lts ;+/rgfdfq lwtf] /fvL a}+s ;'/lIft x'g] u/L shf{ nufgL
ug{ ;lsg]5 .
6. lgdf{0f ;DkGg eO{ ;+rfngdf /xL /x]sf] kl/of]hgfx?sf] ejg tyf pks/0fx?df cfjlws
tyf ;+rfng k'FhL shf{ nufgL ug]{ ;DaGwL cGo Joj:yf sfo{ljlwn] tf]s] adf]lhd x'g]5 .
] 336

336
;+rfns ;ldltsf] ldlt @)&^.)%.@( sf] a}7s g+= &&# sf] lg0f{o adf]lhd ;]jf shf{ cGtu{tsf] æ ko{6g ;]jf -xf]6n, l/;f]{6, /]i6'/]G6, 6«fen P08
6';{, 6«]lsË, /flˆ6Ë, /fOl8Ë, Sofgf]loË, Kof/fUnfO{l8Ë tyf cGo ko{6g;Fu ;DalGwt_, dgf]/~hg ;]jf -l;g]df tyf l;g]df xn, kfs{, kmgkfs{, :jLldË
k'n, PSjf]l/od tyf cGo dgf]/~hg;Fu ;DalGwt_, " zJb x6fOPsf]] / ;f] If]qsf nflu cnUu} k|f]8S6 g+= $@ xf]d :6] shf{ tyf $# ko{6g ;]jf shf{ yk
ePsf]

164 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[$$= Mortgage Loan
shf{ u|fxs sfof{nosf] sfo{If]qleq /x]sf shf{ kfpgof]Uo g]kfnL gful/s .
shf{sf] k|of]hg lglZrt cfjZostf kl/k"lt{ ug{ h:t}M 3/hUuf vl/b ug{, ;DklQ l;h{gf ubf{ ePsf]
vr{ jf nufgL /sd r'Qmf ug{, ;'/If0fkq vl/b ug{, gofF sDkgL :yfkgf ug{sf] nflu
cfjZos kg]{ z]o/ vl/b ug{ jf cGo :ki6 k|of]hg v'Ng] sfo{sf nflu .
shf{sf] nflu of]Uotf -s_ lwtf] /xg] ;DklQ hUuf÷3/÷ejg÷ˆNof6 cfjf;Lo jf Joj;flos k|s[ltsf] x'g'
kg]{5 .
-v_ ;DalGwt lgsfoaf6 3/÷ejg÷ˆNof6 lgdf{0f ;DkGgtfsf] k|df0fkq lnPsf] x'g'
kg]{5 .
-u_ hUuf÷3/÷ejg sDtLdf !) km'6sf] af6f]n] hf]l8Psf] x'g' kg]{5 .
-3_ 3/÷ejg÷ˆNof6sf] d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{
x'g' kg]{5 .
-ª_ shf{ u|fxssf] pd]/ clwstd ^% jif{ ggf3]sf] x'g' kg]{5 .
shf{sf] clwstd u|fxssf] cfˆg} jf Psf3/ kl/jf/sf ;b:osf] gfddf /x]sf] crn ;DklQsf] d"Nof+lst
;Ldf /sdsf] clwstd ^) k|ltzt;Dd jf g]kfn /fi6« a}+sn] ;do ;dodf tf]s] adf]lhd .
shf{sf] cjlw clwstd !) jif{ .
shf{ gjLs/0f shf{ gjLs/0f ug{ g;lsg] .
shf{sf] k|s[lt cfjlws, Non Revolving k|s[ltsf] x'g] .
shf{ k|bfg ug]{ u|fxs jf lghsf] Psf3/sf kl/jf/sf ;b:ox?sf] jflif{s cfo / shf{ ltg{;Sg] Ifdtf
cfwf/ / shf{ lng'sf] jf:tljs k|of]hg .
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf
a'emfpg' kg]{5 .
;]jf z'Ns tyf cGo z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
shf{sf] ls:tf e'QmfgL Equated Monthly Installment (EMI)÷q}dfl;s
lwtf] k|fylds h'g ;DklQ -3/, ejg, hUuf_ sf] d"Nof+sgsf] cfwf/df shf{ k|jfx x'g] xf] pQm ;DklQ
;'/If0f / cfjZostf cg';f/ cGo 3/hUuf
;xfos u|fxssf] Psf3/sf kl/jf/sf ;b:ox?sf] JolQmut hdfgt
shf{sf] cg'udg -s_ shf{sf zt{x? kfngf eP÷gePsf] cg'udg ug{' kg]{5 .
-v_ cfDbfgLsf] ;|f]t lgoldt eP÷gePsf] cg'udg ug{' kg]{5 .
-u_ shf{ u|fxssf] g]6jy{ ;sf/fTds x'g' kg]{5 .
-3_ shf{ k|jfx cl3 u|fxssf] gfddf /x]sf] ;DklQ tyf bfloTjsf] ljj/0f / shf{
k|jfx kl5 u|fxssf] gfddf /x]sf] ;DklQ tyf bfloTjsf] ljj/0f ;d]t u|fxsaf6
k|dfl0ft u/fO{ lng' kg]{5 .
-ª_ 3/÷ejgsf] a}+s a]lglkml;o/L x'g] u/L aLdf lgoldt x''g' kg]{5 .
yk Joj:yfM
1. of] shf{ Psf3/ kl/jf/leq ! -Ps_ hgfnfO{ dfq k|bfg ug{ ;lsg] 5 .
2. shf{ lng] k|of]hg :ki6 v'n]sf] x'g' kg]{5 .
3. u|fxsn] cfDbfgLsf] >f]t :ki6 v'n]sf] k|df0f k]z ug{'kg]{5 / ;fy} shf{ ljZn]ifsn] cfjZostfcg';f/
;f]sf] k|df0fLs/0f ug{' kg]{5 .
4. 3/÷ejg÷hUuf lwtf] lng kfpg] xbDofbsf] ;DaGwdf shf{ sfo{ljlw,@)&# sf] bkmf $# sf] v08 -u_
/ -3_ adf]lhd g} x'g]5 . ]337

337;+rfns ;ldltsf] ldlt @)&^.!).@* sf] a}7s g+ *)$ af6 yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 165

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

$%= lnh kmfOgfG; shf{ Lease Finance Loan

k|:tfjgfM lnh kmfOgfG; ;DaGwL shf{df cGt/lglxt hf]lvdnfO{ plrt Joj:yfkg u/L Joj;fodf ;+nUg
kIfx?sf] cfly{s lxt Pj+ ;'ljwf sfod u/L g]kfn ;/sf/ tyf g]kfn /fi6« a}+sn] cjnDag u/]sf] cfly{s
gLlt adf]lhd pTkfbgzLn If]qdf shf{ lj:tf/ u/L cfly{s j[l4df ;3fp k'¥ofpg / s[lif tyf e"ld;'wf/
;DaGwL gLltnfO{ ;xof]u k'¥ofpg] p4]Zon] ;~rfns ;ldltn] a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&#
sf] bkmf $( sf] pkbkmf -!_ sf] v08 -u_ sf] Joj:yfsf] cwLgdf /xL s[lif ljsf; a}+s ln=sf] lgodfjnLsf]
lgod !@ sf] pk–lgod -*_ sf] v08 -s_ sf] pkv08 -P]_ n] lbPsf] clwsf/ k|of]u u/L ;+rfns ;ldltn]
s[lif ljsf; a}+s lnld6]8, lnh kmfOgfG; ;DaGwL shf{sf] k|f]8S6 k]k/ :jLs[lt u/L nfu" u/]sf] 5 .

shf{ u|fxs -!_ sfof{nosf] sfo{If]qleq a;f]jf; u/]sf shf{ kfpgof]Uo g]kfnL gful/s jf ;DalGwt lgsfodf
btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpgof]Uo kmd{÷;fem]bf/L kmd{÷;xsf/L ;+:yf÷sDkgL÷;d"x
.
-@_ shf{ u|fxs lnh ;Demf}tf cGtu{tsf lnh k|fKtstf{ x'g' kg]{5 . t/ lnh kl/of]hgf pko'Qm
ePdf lnhbftfnfO{ klg lnlhË ug]{ k|of]hgsf nflu shf{ k|bfg ug{ afwf k'u]sf] dflgg] 5}g .
shf{ u|fxssf] o; k|f]8S6 k]k/adf]lhd cfPsf] lgb]{lzsf tyf a}+ssf] k|rlnt shf{ sfo{ljlw adf]lhd x'g]5 .
of]Uotf
shf{sf] k|of]hg -!_ lnhbftfn] lnh k|fKtstf{nfO{ lnh kmfOgfG; ;Demf}tf cGtu{t rncrn ;DklQ pknAw
u/fpgsf] nflu cfjZos kg]{ rncrn ;DklQ v/Lb ug{÷lgdf{0f ug{÷cfk"lt{ ug{ cfjZos kg]{ l:y/
k'FhL / rfn' k'FhL shf{ pknAw u/fpgsf] nflu .
-@_ lnh k|fKtstf{nfO{ cfjZos kg]{ rncrn ;DklQ lnhbftfaf6 k|fKt ug{sf] nflu jf
lnhbftfaf6 k|fKt ;DklQsf] k|of]u tyf pkef]u ug]{ k|of]hgsf] nflu cfjZos kg]{ l:y/ k'FhL / rfn'
k'FhL shf{ pknAw u/fpgsf] nflu .
shf{ nufgLdf -!_ s[lif, ag, hl8a'6L cflbsf] pTkfbg, pTkflbt j:t'x?sf] k|zf]wg tyf To;sf] ahf/Ls/0fsf] nflu
k|fyldstf cfjZos kg]{ kl/of]hgfx?sf] lgdf{0f ug{, zLt3/x?sf] lgdf{0f ug{, ;/sf/ tyf lgofds lgsfon]
;do ;dodf tf]s]sf k|fyldstfk|fKt If]qx?nfO{ ;xof]u k'Ug] If]q, s[lif pTkfbg;Fu ;DalGwt cGo
j:t' / ;]jfx?sf] pTkfbg clea[l4 x'g] u/L Joj;flos sfo{ ug{ u|fxsx?nfO{ shf{ nufgL ug{ a}+sn]
k|fyldstf lbg]5 .
-@_ ;/sf/L tyf gLlh If]qsf] :jfldTjdf /x]sf] afFemf] hldgdf pTkfbg a9fO{ b]znfO{ s[lifdf
cfTdlge{/ u/fpg, cfoftnfO{ k|lt:yfkg u/L lgof{tnfO{ k|j4{g x'g] lsl;dsf If]qdf shf{ nufgL
ug{ / a}b]lzs /f]huf/L u/L g]kfn kms]{sf o'jf tyf b]zleqsf a]/f]huf/ o'jfx?nfO{ b]zleq g}
/f]huf/L l;h{gf x'g] u/L s[lif k]zfnfO{ Joj;fosf] ?kdf cfslif{t ug]{ ta/n] shf{ k|jfx ug{ a}+sn]
k|fyldstf lbg]5 .
kl/efiff ljifo jf k|;Ën] csf]{ cy{ gnfu]df o; k|f]8S6 k]k/df,–
-s_ ælnlhªÆ eGgfn] s'g} JolQmn] lglZrt cjlwsf nflu cfˆgf] :jfldTjsf] rncrn ;DklQsf]
ef]uflwsf/ dfq x'g] u/L cGo s'g} JolQmnfO{ lglZrt ;dosf nflu ;Demf}tf u/L lbg] / ;f] afkt
lghaf6 tf]lsP adf]lhdsf] /sd k|fKt ug]{ sfo{ ;Demg' k5{ . ;f] zAbn] lnh kmfOgfG; ;Demf}tf
cGtu{t tf]lsPsf] zt{ adf]lhd clwsf+z jf k"/} /sd e'QmfgL u/L rncrn ;DklQsf] :jfldTj
x:tfGt/0f ug]{ sfo{nfO{ ;d]t hgfpg]5 .
-v_ ælnh kmfOgfG; ;DaGwL sfo{Æ eGgfn] lnhbftf -;DklQsf] :jfldTj ePsf]_ / lnh k|fKtstf{ -jf
k|of]ustf{_ aLr ;DkGg ePsf] lnh ;Demf}tf adf]lhd ;DkGg ug'{kg]{ sfo{ ;Demg' k5{ .
-u_ ælnh kmfOgfG; ;Demf}tfÆ eGgfn] lnhbftf / lnh k|fKtstf{aLr lnh kmfOgfG; ;DaGwL sfo{
ug{ ePsf] lnlhË ;DaGwL lnlvt ;Demf}tf ;Demg' k5{ .
-3_ ælnhbftfÆ eGgfn] lnh kmfOgfG; ;Demf}tf u/L cfˆgf] s'g} rncrn ;DklQ ef]u jf pkof]u

166 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

ug]{ xs cGonfO{ x:tfGt/0f ug]{ clwsf/ k|fKt JolQmnfO{ ;Demg' k5{ .
-ª_ ælnh k|fKtstf{Æ eGgfn] lnh kmfOgfG; ;Demf}tf adf]lhdsf] ef8f -/]G6n_ e'QmfgL u/L rncrn
;DklQ k|fKt ug]{ / ef]u jf pkof]u ug]{ clwsf/ k|fKt JolQmnfO{ ;Demg' k5{ / ;f] zAbn] To:tf
rncrn ;DklQx? ef]u jf pkof]u u/]afkt lnh k|fKtstf{n] lnhbftfnfO{ ;Demf}tf adf]lhdsf]
d"No jf clwsf+z /sd e'QmfgL u/L To:tf ;DklQsf] :jfldTj cfˆgf] gfddf Nofpg clwsf/k|fKt
JolQm, kmd{, ;+:yf, sDkgL jf ;d"xnfO{ ;d]t hgfpF5 .

-r_ ælnh kmfOgfG; Joj;foÆ eGgfn] JolQmut jf Joj;flos k|of]hgsf nflu lnh kmfOgfG;
;Demf}tf cGtu{t ;+rfng x'g] u/L lnhbftfn] lnh k|fKtstf{nfO{ pknAw u/fpg] k|of]hgsf nflu
rncrn ;DklQ k|fKt ug{÷vl/b ug{÷lgdf{0f ug{÷:jfldTj x:tfGt/0f ug{sf] nflu lnhbftfnfO{
/÷jf lnhbftfaf6 rncrn ;DklQ k|fKt ug{ / o:sf] k|of]u jf pkef]usf nflu lnh k|fKtstf{nfO{
shf{ nufgL ug]{ jf ;'ljwf k|bfg ug]{ Joj;fo ;Demg' k5{ .
-5_ ælnh kmfOgfG;stf{Æ eGgfn] lnh kmfOgfG; ;DaGwL sfo{sf] nflu shf{ nufgL ug]{ jf
;'ljwf pknAw u/fpg] s[lif ljsf; a}+s ln=nfO{ ;Demg' k5{ .
-h_ æcfk"lt{stf{Æ eGgfn] lnh kmfOgfG;sf nflu lnhbftf / lnh k|fKtstf{;Fusf] ;Demf}tf adf]lhd
rncrn ;DklQ pknAw u/fpg] JolQm, kmd{, ;+:yf, sDkgL jf t]>f] kIfnfO{ ;Demg' k5{ . t/ ;f]
zAbn] o;df kl/eflift ;DklQ pknAw u/fpg] lnhbftfnfO{ a'emfpg] 5}g .
-em_ æcfk"lt{ ;Demf}tfÆ eGgfn] lnhbftf / cfk"lt{stf{aLr jf ax'kIfLo ;Demf}tf u/L rncrn
;DklQ pknAw u/fpg]] ;DaGwdf ePsf] ;Demf}tf ;Demg' k5{ .
-`_ æ;DklQÆ eGgfn] lnhbftfn] lnh k|fKtstf{nfO{ lnh kmfOgfG; ;Demf}tf cGtu{t ;+rfng ug]{
u/L pknJw u/fpg] hldg, 3/hUuf, ;jf/L ;fwg, ldn d]lzg/L, cGo x]le OSo'kd]G6, sDKo'6/
;ˆ6j]o/ jf cGo pks/0f h:tf rncrn ;DklQ ;Demg' k5{ .
-6_ æ;'/If0fs[t -Securitization_Æ eGgfn] lnh kmfOgfG; cGtu{tsf s'g} jf ;Dk"0f{ xsclwsf/
tf]lsPsf] rncrn ;DklQsf] ;'/If0fdf ljz]if p2]Zo ;+oGqåf/f lwtf]kq hf/L ug]{ sfo{nfO{ ;Demg'
k5{ . ;f] zAbn] lnhbftfn] lnh kmfOgfG; cGtu{tsf ;Dk"0f{ xs clwsf/x? jf ;DklQx? jf b'j}sf]
xs x:tfGt/0f ug]{, /f]Ssf ug]{, ;DklQ laqmL ug]{ jf ;fg]{ sfo{nfO{ ;d]t hgfpF5 .
-7_ æljz]if p2]Zo ;+oGq -:k]zn kkf{]h e]lxsn_Æ eGgfn] crn ;DklQ ;'/If0fs[t ug]{ / lnh
kmfOgfG;df k|fljlws tyf Joj;flos ;]jf k|bfg ug]{ sfo{sf nflu :yfkgf ul/Psf] s'g} Joj;flos
;+:yf, kmd{ jf sDkgL ;Demg' k5{ .
-8_ æJolQmÆ eGgfn] JolQm, kmd{, ;+:yf, sDkgL jf t];|f] kIf jf ;d"xnfO{ ;Demg' kb{5 .
Go"gtd shf{ ;Ldf ?=!) nfv .
shf{sf] k|s[lt rfn' k'FhL Revolving k|s[ltsf] x'g] .
l:y/ k'FhL Non Revolving k|s[ltsf] x'g] .
shf{sf] cjlw rfn' k'FhL clwstd ! jif{
l:y/ k'FhL cfjlws k'FhL shf{sf] clwstd cjlw @) jif{;Ddsf] x'g]5 . lnhdf lnPsf]
;DklQ jf kl/of]hgfsf] k|s[lt jf lnh cjlwsf] cfwf/df shf{sf] cjlw km/s kg{
;Sg]5 . t/ shf{sf] cjlweGbf lnh ;Demf}tf ;dfKt x'g] cjlw sDtLdf # jif{
a9L x'g' kg]{5 .
u|]; cjlw l:y/ k'FhL shf{sf] cjlw ggf3\g] u/L clwstd @ jif{;Dd
shf{ gjLs/0f rfn' k'FhL gjLs/0f ug{ ;lsg]
l:y/ k'FhL gjLs/0f ug{ g;lsg]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 167

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

shf{sf] ls:tf l:y/ k'FhL dfl;s÷q}dfl;s÷cw{jflif{s÷jflif{s÷EMI
e'QmfgL
shf{ k|bfg ug]{ rfn' -;+rfng_ u|fxssf] Joj;fosf] sfo{ of]hgf, k|If]lkt ljQLo ljj/0f / lnh kmfOgfG;
cfwf/ / ;Ldf k'FhL ;Demf}tfsf] cfwf/df kl/of]hgf ;+rfngsf] nflu cfjZos kg]{ rfn' k'FhL /sdsf]
clwstd ^) k|ltzt;Dd .
l:y/ -cfjlws_ u|fxssf] Joj;fosf] sfo{ of]hgf, k|If]lkt ljQLo ljj/0f / lnh kmfOgfG;
k'FhL ;Demf}tfsf] cfwf/df kl/of]hgfsf] :yfkgf÷ljsf;÷lj:tf/ Pj+ ;DklQ vl/bsf]
nflu cfjZos kg]{ l:y/ k'FhL /sdsf] clwstd ^) k|ltzt;Dd .

shf{ tyf -!_ shf{ tyf :jMk'FhL cg'kft ^)M$) x'g]5 . t/ k|of]udf /x]sf] rn ;DklQ -Second Hand
:jMk'FhLsf] cg'kft Property_ sf] xsdf lgodfg';f/ Depreciation s6fO{ shf{ tyf :jMk'FhL cg'kft clwstd %)M%) -
Debt Equity Ratio_ x'g] u/L lnh kmfOgflG;Ë ug{ ;lsg] 5 .
-@_ g]kfn /fi6« a}+ssf] lgb]{zg jf o; a}+sn] ;do ;dodf tf]s] adf]lhd shf{ tyf :jMk'FhLsf]
cg'kft kl/jt{g x'g ;Sg]5 .
-#_ lnh kmfOgflG;Ësf] xsdf u|fxs / lghsf kl/jf/sf ;lqmo hgzlQm -!* jif{ b]lv ^) jif{;Dd_
sf] jflif{s #)) lbgsf] >dsf] df}lb|s d"Nodf u0fgf u/]/ x'g cfpg] /sdsf] a9Ldf ^) k|ltzt
/sd;Dd :jMk'FhLsf] ?kdf u0fgf ug{ ;lsg]5 .
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s÷q}dfl;s jf Crops
Production Cycle sf] cfwf/df a}+sn] tf]s] cg';f/sf] a'emfpg' kg]{5 .
;]jf z'Ns tyf a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g'cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds u|fxs÷k|f]k|fO6/÷;fem]bf/÷;+rfns÷;d"x ;b:o / pknAw eP;Dd kl/jf/sf ;a} ;b:ox?sf] /
;'/If0f pknAw gePdf lghsf Psf3/sf kl/jf/sf ;a} ;b:ox?dWo] sDtLdf d'Vo Ps ;b:osf] JolQmut
hdfgt, ;+:yfsf] ;+:yfut hdfgt, lgdf{0f ePsf] kl/of]hgf÷kl/of]hgfdf /x]sf ldn d]lzg/L, :6s
tyf kfpg'kg]{ /sd, lnhbftf / lnh k|fKtstf{aLrsf] lnh kmfOgfG; ;Demf}tf, lnhbftf, lnh
k|fKtstf{ / a}+s;d]t # kIfaLr x'g] ;Demf}tf . t/ lnhbftfnfO{ shf{ k|jfx ubf{ lnhdf /xg]
rncrn ;DklQ ;d]t clgjfo{ lwtf] x'g' kg]{5 .
;xfos u|fxs÷k|f]k|fO6/÷;fem]bf/÷;+rfns÷;d"x ;b:o jf lghsf] Psf3/sf ;b:osf] gfddf /x]sf]
3/÷hUuf tyf cGo ;DklQx? ;d]t ;xfos lwtf]sf] ?kdf lng ;lsg]5 t/ lnh kmfOgflG;Ësf]
nflu o:tf] ;xfos lwtf] clgjfo{ x'g] 5}g .
shf{sf] ;'/If0f a}+sn] shf{ k|jfx ug{' cl3 lgIf]k tyf shf{ ;'/If0f sf]ifaf6 clgjfo{?kdf shf{ ;'/If0f ul/Psf] x'g'
kg]{5 jf shf{ ;'/If0f sf]ifaf6 shf{ ;'/If0f x'g g;s]df cGo jLdf sDkgLaf6 shf{sf] aLdf x'g' kg]{
5 . t/ lnhbftfnfO{ shf{ /sdnfO{ vfDg] u/L rncrn ;DklQ lwtf] lnO{ shf{ k|jfx ubf{ lgIf]k
tyf shf{ ;'/If0f sf]ifaf6 shf{sf] ;'/If0f clgjfo{ x'g] 5}g .

168 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

aLdf -s_ kl/of]hgf /x]sf] 3/, ejg, uf]bfd tyf cGo ldn d]lzg/Lx?sf] d"Nof+lst /sdsf] a}+s
a]lglkml;o/L x'g] u/L aLdf clgjfo{ x'g' kg]{5 .
-v_ kl/of]hgfdf /x]sf] :6s / pTkflbt j:t'sf] aLdf ug{' kg]{5 .
-u_ lnhdf lnPsf] ;DklQsf] aLdf x'g] ePdf aLdf ug{' kg]{5 .
-3_ kz'kG5L tyf vfBfGg÷t/sf/L÷gub]÷bnxg÷t]nxg÷kmnkm'n÷k'ik v]tL, h:tf ;a} afnLgfnL -
Standing Crop_ sf] ;a} k|sf/sf k|fs[lts k|sf]kx? h:t}M xfjfx'/L, cltj[li6, cgfj[li6, af9L,
klx/f], cl;gf, lx+p, e'sDk, /f]u tyf ls/f cflbsf] hf]lvd jxg x'g] u/L aLdf ;ldltsf] aLdf
;DaGwL k|rlnt gLlt lgodadf]lhd clgjfo{ aLdf ug'{ kg]{5 .
-ª_ aLdf ul/g] ;DklQ ;fdfgsf] k|s[lt cg';f/ l;h{gf x'g;Sg] ;DefJo ;a} hf]lvdx? h:t}M
Theft, House Breaking, Burglary, Fire, Riot, Strike, Civil Commotion,
Terrorism, Malacious Damage cflb ;a} k|sf/sf] hf]lvd jxg x'g] u/L aLdf ;ldltsf]
aLdf ;DaGwL k|rlnt gLlt lgod adf]lhd clgjfo{ aLdf ug'{ kg]{5 .

shf{sf] cg'udg -s_ kl/of]hgf ;'rf? ?kdf ;+rfng eP÷gePsf] lgoldt cg'udg ug{' kg]{5 .
-v_ kl/of]hgfsf] gub k|jfxsf] lgoldt cg'udg ug{' kg]{5 .
-u_ shf{sf zt{x?sf] kfngf eP÷gePsf] lgoldt cg'udg ug{' kg]{5 .
lnh kmfOgfG; lnh kmfOgflG;Ësf] xsdf lnhbftf / lnh k|fKtstf{n] klg :yfgLo ;/sf/ jf k|b]z ;/sf/ jf
Joj;fo btf{ ;+3Lo ;/sf/af6 Joj;fo ;~rfng ug{ cg'dltk|fKt u/]sf] x'g' kg]{5 . t/ g]kfn ;/sf/ jf cGo
ug{'kg]{ ;DaGwdf ;/sf/L lgsfosf] :jfldTjdf /x]sf] 3/hUuf jf crn ;DklQsf] xsdf ;DalGwt kIfn] k|rlnt
sfg"gsf] cwLgdf /xL ug{' kg]{5 .
a}+ssf] clwsf/ -!_ o; k|f]8S6 k]k/ adf]lhd k|jfx ePsf] s'g} shf{ g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd lgliqmo
ju{df juL{s/0f ePsf] cj:yfdf pQm shf{sf] ;'/If0fdf /x]sf] rncrn ;DklQsf] Joj:yfkg
;DaGwL sfo{ o; a}sn] cfkm}+ ug{ jf cGonfO{ u/fpg ;Sg]5 . a}+sn] p7fpg'kg]{ shf{ /sdnfO{
k|rlnt a}+lsË sfg"g adf]lhd c;"NfL k|lqmof ug{' kg]{5 .
-@_ lnh kmfO{gfG;stf{ o; a}+s / shf{ u|fxsaLr ePsf] shf{ ;Demf}tfcg';f/ tf]lsPsf] shf{
u|fxsn] ltg'{ a'emfpg' kg]{ ;fFjf, Jofh jf ls:tf /sd cflb hfgL a'emL glt/] ga'emfPdf k|rlnt
Joj:yfg';f/ sfnf] ;"rLdf /fVg' kg]{5 .
-#_ lnh kmfO{gfG;stf{ o; a}+s / lnh k|fKtstf{ aLr ePsf] shf{ ;Demf}tfcg';f/ tf]lsPsf] lnh
k|fKtstf{n] ltg'{ a'emfpg' kg]{ ;fFjf, Jofh jf ls:tf /sd cflb glt/] ga'emfPdf lwtf] ;'/If0f afkt
lbPsf] cGo rncrn ;DklQ / lgdf{0f ePsf] kl/of]hgf / To:tf] ;+/rgfdf h8fg ul/Psf] oGq
pks/0f cflb lnh kmfO{gfG;stf{ o; a}+sn] cfkm}n] ef]u jf pkof]u u/L jf cGo t]>f] kIfnfO{ k'gM
lnhdf lbO{ jf a}+ssf] k|rlnt shf{ c;"nL sfo{ljlw adf]lhd ;DklQ lnnfd laqmL u/L aSof}tf /sd
c;"n pk/ u/L lng' kg]{5 .
-$_ lnh k|fKtstf{n] lnPsf] rncrn ;DklQsf] ;+rfngsf] ;dodf Joj;fosf] nflu rflxg]
;+/rgfx?sf] lgdf{0f tyf pQm lgld{t ;+/rgfdf h8fg ul/g] oGq pks/0f ;d]t lnh kmfOgfG;stf{
o; a}+snfO{ lnh k|fKtstf{ C0fLaf6 lwtf] ;'/If0f afkt n]vfO{ lng' kg]{5 .
-%_ shf{ u|fxsn] shf{ /sd r'Qmf e'Qmfg gu/]sf] cj:yfdf lgh jf lghsf] kl/jf/sf] cGo ;b:osf]
gfddf /x]sf] rncrn ;DklQ kQf nufO{ /f]Ssf /fVg] tyf a}ssf] k|rlnt sfo{ljlw adf]lhd c;"nL
sf/jfxL cl3 a9fpg' kg]{5 .
-^_ o; a}+ssf] k"j{ :jLs[lt lnP/ dfq lnh ;Demf}tf cGtu{t k|fKt /sd dWo] cf+lzs /sd a'emfP
kl5 ;f]xL cg'kftdf ;'/If0fsf] ?kdf /flvPsf] ;DklQ cf+lzs ?kdf lkmtf{ ug{ afwf kg]{ 5}g .
-&_ o; a}+ssf] k"j{ :jLs[lt lnP/ dfq b'a} kIfx?sf] cfk;L ;xdltdf lnh ;Demf}tfdf ;+zf]wg ug{

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 169

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

;lsg] 5 .

lnhbftfsf] ;fdfGotof lnh ;Demf}tfdf lnhbftfsf] clwsf/x? b]xfo adf]lhd /x]sf] x'g]5M
clwsf/ -!_ lnh ;Demf}tf adf]lhd lnhbftfn] cfˆgf] :jfldTjdf /x]sf] jf cfk"lt{stf{;Fu ePsf] rncrn
;DklQ lnhdf lbg] clwsf/ x'g]5 .
-@_ lnh ;]jf k|bfg u/] afkt To:tf rncrn ;DklQsf] ;Demf}tf adf]lhdsf] ef8f, z'Ns jf cGo
b:t'/ k|fKt ug]{ xs lnhbftfsf] x'g]5 .
-#_ lnh kmfOgfG;sf] ;Demf}tf adf]lhdsf] ;dofjlw jf sfo{ jf k|of]hg ;dfKt eP kZrft\ lnhdf
pknAw u/fPsf] ;DklQ lkmtf{ kfpg] xs lnhbftfsf] x'g]5 .
-$_ a}+ssf] k"j{ :jLs[lt lnP/ dfq C0f ;Demf}tfsf] cwLgdf /xL lnhdf k|bfg u/]sf] ;DklQsf]
cg'udg ug]{ / ;+/If0fsf] nflu zt{ tf]Sg] jf lgb]{zg lbg] clwsf/ lnhbftfdf lglxt /xg]5 .
-%_ lnh k|fKtstf{n] lnh ;Demf}tf cGtu{t k|fKt u/]sf] ;DklQ tf]lsPsf] zt{ ljkl/t k|of]u u/]df jf
lnh k|fKtstf{n] To:tf] ;DklQsf] uDeL/ ?kdf xflg gf]S;fgL x'g] u/L pkof]u u/]sf] jf ug{ vf]h]sf]
b]lvPdf o; a}+ssf] k"j{ :jLs[lt lnP/ dfq lnhbftfn] ;f] ;Demf}tf eË ug{ ;Sg]5 .
-^_ o; a}+ssf] k"j{ :jLs[lt lnP/ dfq b'a} kIfx?sf] cfk;L ;xdltdf lnh ;Demf}tfdf ;+zf]wg ug{
;lsg] 5 .
lnhbftfsf] st{Jo ;fdfGotof lnh ;Demf}tfdf lnhbftfsf] st{Jox? b]xfo adf]lhd /x]sf] x'g]5M
-!_ lnh k|fKtstf{sf] clwsf/sf] ;Ddfg ug'{ lnhbftfsf] st{Jo x'g]5 .
-@_ ljQLo lnh cGtu{t lnh k|fKtstf{n] ;Demf}tf adf]lhdsf] /sd e'QmfgL u/]sf] cj:yfdf
tf]lsPsf] ;doleq ;Demf}tf adf]lhdsf] rncrn ;DklQ lnh k|fKtstf{nfO{ x:tfGt/0f jf gfd;f/L
ul/lbg' lnhbftfsf] st{Jo x'g]5 .
-#_ ;Demf}tfdf pNn]v ePsf]df afx]s k|rlnt sfg"g adf]lhd ;DalGwt lgsfodf tf]lsPsf] s/
b:t'/, ;]jf z'Ns a'emfpg] st{Jo lnhbftfsf] x'g]5 .
-$_ lnhdf lnPsf] rncrn ;DklQ jf To;sf] s'g} c+zsf] xflg gf]S;fgL ePdf jf s;}n] xsbfjL
u/]df jf lvrf]nf u/]df jf ef]urng ug{ s;}af6 afwf cj/f]w ePdf To; ;DaGwdf lnh
k|fKtstf{n] o; a}+s / lnhbftfnfO{ t'?Gt hfgsf/L u/fpg' kg]{5 . ;fy}, pQm sf/0fjf6 lnh
k|fKtstf{nfO{ lnhbftfsf] sf/0faf6 s'g} xfgL gf]S;fgL ePdf jf ljQLo bfloTj l;h{gf ePdf pQm
bfloTj ;Demf}tfsf] cwLgdf /xL lnhbftfn] ;d]t axg ug{' kg]{5 .
-%_ lnhbftfn] lnh k|fKtstf{nfO{ ;Demf}tfdf pNn]v ul/Psf] ;dofjlwleq ;Demf}tf adf]lhdsf]
rncrn ;DklQ pknAw gu/fPdf jf cfk"lt{ gu/]df ;Demf}tf adf]lhdsf] ;do kZrft\ To:tf
rncrn ;DklQ lnh k|fKtstf{n] a'e\mg OGsf/ u/]sf] sf/0faf6 lnh kmfOgfG;stf{ o; a}+snfO{ s'g}
xfgL gf]S;fgL ePdf jf ljQLo bfloTj l;h{gf ePdf pQm bfloTj ;Demf}tfsf] cwLgdf /xL
lnhbftfn] axg ug{' kg]{5 .
-^_ lnh ;Demf}tf adf]lhd lnhbftfn] ;DklQ k|bfg ubf{ ;DalGwt :yfgLo lgsfodf To;sf] lnlvt
hfgsf/L u/fpg' kg]{5 .
-&_ lnh ;Demf}tf u/L cfk"lt{stf{ dfk{mt\ rncrn ;DklQ lnhdf k|fKt ePsf] cj:yfdf lnhbftf
dfly b]xfosf] cj:yfdf afx]s s'g} bfloTj ;[hgf x'g] 5}g .
-s_ tf]lsPsf] ;dodf 3/hUuf, hdLg jf pks/0f pknJw u/fpg] .
-v_ tf]lsPsf] lgsfodf s/, b:t'/, z'Ns a'emfpg] .
lnh k|fKtstf{sf] lnh ;Demf}tfdf lnh k|fKtstf{n] lnh ;Demf}tf adf]lhdsf] st{Jo kfng u/]sf] cj:yfdf lnh
clwsf/ k|fKtstf{nfO{ b]xfosf clwsf/x? k|fKt x'g] 5g\ .
-!_ lnh ;Demf}tf adf]lhd lnhbftfn] jf cfk"lt{stf{n] pknAw u/fPsf] rncrn ;DklQ cfk;L

170 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

;Demf}tf tyf k|rlnt sfg"gsf] cwLgdf /xL lnh k|fKtstf{n] ljgf s'g} cj/f]w ef]u jf pkof]u ug{
kfpg]5 .
-@_ lnhbftfn] lnh k|fKtstf{nfO{ ;Demf}tfdf pNn]v ul/Psf] ;dofjlwleq ;Demf}tf adf]lhdsf]
rncrn ;DklQ pknAw gu/fPdf jf cfk"lt{ gu/]df ;Demf}tf adf]lhdsf] ;do kZrft\ To:tf
rncrn ;DklQ lnh k|fKtstf{n] a'e\mg OGsf/ ug{ ;Sg]5 . t/ Ps k6s lnh k|fKtstf{n]
tf]lsPsf zt{ adf]lhd lnhdf k|fKt ;DklQ :jLsf/ u/L ;s]kl5 ;dodf k|fKt gePsf] jf
;Demf}tfdf plNnlvt ljj/0f cg';f/ gePsf] egL pQm ;DklQx? lng OGsf/ ug{ ;Sg] 5}g .
-#_ o; a}+ssf] k"j{ :jLs[lt lnP/ dfq tf]lsPsf] ;Demf}tf tyf zt{sf] cwLgdf /xL lnhbftfsf]
;xdltdf lnhdf k|fKt ;DklQsf] pk–lnh ;]jf k|bfg ug]{, cGo a}s jf ljQLo ;+:yfaf6 ;'/If0fn]
vfd];Dd jf o; a}+ssf] lxt ;'/lIft /xg] u/L yk shf{ k|fKt ug]{ clwsf/ lnh k|fKtstf{df /xg]5 .
o; ;DaGwL cGo Joj:yfx? ;Demf}tfdf pNn]v eP adf]lhd x'g]5 .

-$_ o; a}+ssf] k"j{ :jLs[lt lnP/ dfq ljQLo lnh cGtu{t lnhbftf;Fusf] ;Demf}tf adf]lhd
tf]lsPsf] ls:tf /sd e'QmfgL u/L rncrn ;DklQsf] :jfldTj gfd;f/L u/L lng] clwsf/ lnh
k|fKtstf{df /xg]5 .
-%_ a}+ssf] k"j{ ;xdlt lnP/dfq b'a} kIfx?sf] cfk;L ;xdltdf lnh ;Demf}tfdf ;+zf]wg ug{
;lsg]5 .
lnh k|fKtstf{sf] ;fdfGotof lnh ;Demf}tfdf lnh k|fKtstf{sf] st{Jox? b]xfo adf]lhd /x]sf] x'g]5M
st{Jo -!_ lnh k|fKtstf{n] lnhbftfaf6 lnhdf k|fKt rncrn ;DklQsf] plrt /]vb]v / ;+/If0f u/L
;+rfng jf pkof]u ug'{ kg]{5 .
-@_ lnh k|fKtstf{n] h'g p2]Zosf nflu ;DklQ k|fKt u/]sf] xf], To:tf] lnhdf k|fKt ;DklQ ;f]xL
p4]Zosf nflu pkof]u ug'{ kg]{5 .
-#_ o:tf rncrn ;DklQx? ef]u jf pkof]u u/] afkt lnh k|fKtstf{n] lnhbftfnfO{ ;DklQsf]
ef8f, z'Ns jf cGo b:t'/ ;Demf}tfdf tf]lsP adf]lhd e'QmfgL ug'{ kg]{5 .
-$_ lnh ;Demf}tf adf]lhdsf] ef8f ga'emfO{ / ;DklQdf xflg gf]S;fgL x'g] u/L ;+rfng ug{ kfpg]
5}g .
-%_ ;do kl/jt{g;Fu} x|f;s§Lsf] l;4fGt adf]lhd ;DklQ jf pks/0fx? lvO{+b} uPsf] cj:yfdf
afx]s lnhbftfn] lnh k|fKtstf{nfO{ h'g cj:yfdf ;DklQ x:tfGt/0f u/]sf] xf] pQm ;DklQ sfo{
;DkGg eP kZrft\ lnh kmfOgfG; ;Demf}tf adf]lhd ;f]xL cj:yfdf lnh k|fKtstf{n] lnhbftfnfO{
lkmtf{ ug'{ kg]{5 .
-^_ o; a}+ssf] k"j{ :jLs[lt lnP/ dfq lnhbftfsf] lnlvt ;xdlt lagf lnh k|fKtstf{n] lnhdf k|fKt
rncrn ;DklQ ;a–lnh ug{ jf s'g} t];|f] kIfnfO{ x:tfGt/0f ug{ kfpg] 5}g .
-&_ lnhdf lnPsf] rncrn ;DklQ jf To;sf] s'g} c+zsf] xflg gf]S;fgL ePdf jf s;}n] xsbfjL
u/]df jf lvrf]nf u/]df jf ef]urng ug{ s;}af6 afwf cj/f]w ePdf To; ;DaGwdf lnh
k|fKtstf{n] o; a}+s / lnhbftfnfO{ t'?Gt hfgsf/L u/fpg' kg]{5 / a}+ssf] lj?4 s'g} d'4f k/]df
To;sf] ;Dk"0f{ sfg"gL vr{ / Ifltk"lt{ b'j} kIfn] ug{' kg]{5 .
-*_ o; a}+ssf] k"j{ :jLs[lt lnP/ dfq lnh k|fKtstf{n] lnhbftfsf] ;xdltdf cfk"lt{ jf ;+rfng
;Demf}tf eª ug{ ;Sg]5 .
-(_ o; a}+ssf] k"j{ :jLs[lt lnP/ dfq lnh k|fKtstf{n] lnhbftfsf] :jLs[ltdf ;f] cjlwe/ lnhdf
lnPsf] ;DklQsf] ;Demf}tfsf] zt{ ljkl/t df}lns :j?kdf kl/jt{g ug{ kfpg] 5 .
cfk"lt{ ;Demf}tf -!_ lnhbftfsf] lnlvt ;xdlt lagf lnh k|fKtstf{n] rncrn ;DklQ pknAw u/fpg jf cfk"lt{sf
nflu ;DalGwt cfk"lt{stf{;Fu s'g} lsl;dsf] ;Demf}tf ug'{ x'Fb}g . t/ lnhbftfn] cfˆgf] :jfldTjdf
lnO{ jf cfk"lt{stf{ dfk{mt\ pknJw u/fpg] u/L lnh k|fKtstf{;Fu ;Demf}tf ug{ o; a'Fbfn] afwf

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 171

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

k'¥ofPsf] dflgg] 5}g .
-@_ lnh ;Demf}tf adf]lhd pknAw u/fOPsf] jf cfk"lt{ ul/Psf] rncrn ;DklQ lnh ;Demf}tfdf
plNnlvt ljj/0f cg';f/sf] ePdf lnh k|fKtstf{n] To:tf] ;DklQ :jLsf/ ug'{ kg]{5 .
cfk"lt{stf{sf] -!_ ;Demf}tf adf]lhdsf] rncrn ;DklQ lnh k|fKtstf{nfO{ ;dodf g} pknAw u/fpg] bfloTj
bfloTj cfk"lt{stf{sf] x'g]5 .
-@_ lnhbftfn] lnh k|fKtstf{nfO{ cfjZos rncrn ;DklQ cfk"lt{ ug{ s'g} cfk"lt{stf{;Fu lqkIfLo
cfk"lt{ ;Demf}tf u/]sf] /x]5 eg] lnhbftfn] ;d]t To:tf] cfk"lt{ ;Demf}tfsf] sfof{Gjog k|efjsf/L
agfpg cfjZos ;xof]u ug{'kg]{5 .
-#_ lnh k|fKtstf{n] cfjZos r]s hfFr u/L lnhbftfaf6 ;DklQk|fKt u/L ;s]kl5 pQm ;DklQ
lau|]df ;Demf}tfdf cGoyf n]lvPb]lv afx]s lnhbftfn] s'g} bfloTj Joxf]g'{ kg]{ 5}g . t/ lglZrt
cjlw;Dd lalu|Pdf dd{t÷;Def/ jf k|lt:yfkg ug]{ u/L jf vr{ Joj:yfkgsf] ljifo ;d]t ;dfj]z
u/L ;Demf}tf ug{ o; a'Fbfn] afwf k'¥ofPsf] dflgg] 5}g .
lnh ;Demf}tf -!_ lnh ;Demf}tfdf plNnlvt k|of]hg, sfo{ jf cjlw ;DkGg ePkZrft\ lnh ;Demf}tf ;dfKt
;dfKt ePsf] ePsf] dflgg]5 .
dflgg] -@_ lnh ;Demf}tfdf ;+nUg kIfx?n] cfk;L ;xdltdf ;Demf}tf adf]lhdsf] sfo{ ;Dkfbg gug]{ lg0f{o
u/]df ;d]t lnh ;Demf}tf ;dfKt ePsf] dflgg]5 .
-#_ lnh ;Demf}tf cGTo ug'{ cl3 lnh k|fKtstf{n] lnhbftfnfO{ ltg'{kg]{ ;Dk"0f{ bfloTj e'QmfgL ug'{
kg]{5 .
-$_ lnh ;Demf}tfsf] s'g} Ps kIfn] ;Demf}tf adf]lhdsf] sfo{ gu/]sf] sf/0f csf]{ kIfn] sDtLdf # -
tLg_ dlxgfsf] cu|Ld ;"rgf lbO{ lnh ;Demf}tf ;dfKt ug{ ;Sg]5 . t/ ljQLo lnhsf] xsdf ;a}
kIfsf] ;xdltdf dfq lnh ;Demf}tf ;dfKt ug{ ;lsg]5 .
-%_ dflysf] a'Fbf -!_ b]lv -$_ ;Ddsf] ;a} cj:yfdf a}+s;Fu lnPsf] shf{ tyf a}+snfO{ ltg'{ a'emfpg'
kg]{ ;Dk"0f{{ /sd r'Qmf ePsf] x'g' kg]{5 .
Ifltk"lt{ -!_ lnh ;Demf}tfsf kIfx? lnhbftf / lnh k|fKtstf{dWo] s'g} Ps kIfsf] sf/0f lnh ;Demf}tf eË
eO{ cGo kIfnfO{ xflg gf]S;fgL k'Ug uPdf kLl8t kIfnfO{ ;Demf}tfdf n]lvPsf]df ;f]xL adf]lhd /
;Demf}tfdf gn]lvPsf]df k|rlnt sfg"g adf]lhd Ifltk"lt{ pknAw u/fpg' kg]{5 .
-@_ lnh k|fKtstf{n] lnhdf k|fKt u/]sf] rncrn ;DklQsf] nfk/jfxLk"0f{ jf x]nr]qm\ ofOk"0f{ k|of]usf
sf/0f s;}sf] hLpwgdf Iflt k'Ug uPdf ;Demf}tfdf cGoyf n]lvPb]lv afx]s ;Dk"0f{ bfloTj lnh
k|fKtstf{sf] x'g]5 .
-#_ shf{ k|bfg ug]{ a}+s s'g} klg cj:yfdf Ifltk"lt{sf] efuL x'g] 5}g .
“lnh kmfOgfG; s;}n] b]xfosf] s'g} sfo{ u/]df shf{ lvnfkL u/]sf] s;"/ u/]sf] dflgg] 5 .
;DaGwL shf{sf] -s_ a}+s ;dIf k]z ug'{kg]{ sfuhft, hfgsf/L, ljj/0f jf tYof+sdf unt jf em'§f Joxf]/f pNn]v
k|f]8S6 k]k/ @)&&" u/]df .
pNn+3g u/]sf]
dflgg] -v_ lnh Joj;fodf /x]sf] ;DklQ xflg gf]S;fgL u/]df .
-u_ lnhbftf / o; a}+ssf] :jLs[lt glnO{ t]>f] kIfnfO{ ;DklQ x:tfGt/0f u/]df .
-3_ a}+saf6 ul/g] lg/LIf0f, cg'udg jf lgu/fgL sfo{df jfwf lj/f]w u/]df .
-ª_ o; a}+sn] lbPsf] lgb]{zg kfngf gu/]df .
-r_ cg'dltkqdf tf]lslbPsf] zt{ pNn+3g u/]df .
-5_ lnh ;Demf}tfsf] k|lts'n x'g] u/L sfo{ u/]df .
-h_ shf{ gltg]{ dg;fon] ;Demf}tfsf cGo kIf Ps cfk;df ldnL a}+ssf] lj?4 d'4f dfldnf u/]df .

172 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

lnh k|fKtstf{ -!_ lnh k|fKtstf{ bfdf;fxLdf k/]df lnh ;Demf}tf adf]lhd lnh k|fKtstf{n] lnhbftfaf6 k|fKt
bfdf;fxLdf k/]sf] u/]sf] ;DklQdf dfq k|yd clwsf/ lnhbftfsf] x'g]5 .
cj:yfdf -@_ lnhbftfaf6 rncrn ;DklQ lnhdf lnO{ pkef]u ug]{ lnh k|fKtstf{n] tf]lsPsf] zt{
adf]lhdsf] ef8f jf z'Ns ga'emfPdf lnh k|fKtstf{nfO{ k|rlnt sfg"g adf]lhd sfnf];"rLdf /fVg
;lsg]5 .
-#_ a}+sn] p7fpg'kg]{ a}+ssf] ;Dk"0f{ n]gf /sdnfO{ k|rlnt a}+lsª sfg"g adf]lhd c;"NfL k|lqmof cl3
a9fpg' kg]{5 .
rncrn ;DklQsf] -!_ s'g} g]kfnL gful/s jf :jb]zL nufgLdf :yflkt sDkgLn] k|fKt u/]sf] rncrn ;DklQsf] lnh
lnh cjlw cjlw k|rlnt sfg"g adf]lhd x'g]5 .
-@_ :jb]zL tyf ljb]zLsf] ;+o'Qm nufgL, ljb]zL JolQm jf ljb]zL nufgLdf :yflkt sDkgLn] k|fKt
u/]sf] rncrn ;DklQsf] lnh cjlw k|rlnt sfg"g adf]lhd x'g]5 .
-#_ k|rlnt sfg"gsf] cwLgdf /xL lnh cjlw ;DaGwL ;Demf}tfsf] gjLs/0f ug{ ;lsg]5 .
-$_ ljb]zL sDkgLn] cfk"lt{ ug]{ d]l;g cf}hf/, lgdf{0f ;fdfu|L, pks/0f jf cGo ;DklQsf] xsdf
;DalGwt kIfx?sf] d~h"/Ldf ;Demf}tf adf]lhd lnh cjlw jf nufgLsf] ;Ldf lgwf{/0f ug{ ;lsg]5 .
lnvt, ;Demf}tfx? o; shf{ k|f]8S6 sfof{Gjogdf Nofpbf k|of]udf cfpg] ljleGg lnvtx? -;Demf}tfx?, td;'s, lwtf]
b[li6aGws lnvt, JolQmut hdfgt cflb_ o; k|f]8S6 cGtu{t cfpg] lgb]{lzsfdf tf]lsP adf]lhd
x'g]5 .
yk Joj:yfM
!= lnh k|fKtstf{n] lnhbftfaf6 k|fKt rncrn ;DklQsf] pkof]u ubf{ s[lif, ag, hl8a'6L cflbsf] pTkfbg, pTkflbt
j:t'x?sf] k|zf]wg tyf To;sf] ahf/Ls/0fsf] nflu cfjZos kg]{ kl/of]hgfx?sf] lgdf{0f ug{, zLt3/x?sf] lgdf{0f ug{,
;/sf/ tyf lgofds lgsfon] ;do ;dodf tf]s]sf k|fyldstfk|fKt If]qx?nfO{ ;xof]u k'Ug] If]q, s[lif pTkfbg;Fu
;DalGwt cGo j:t' / ;]jfx?sf] pTkfbg clea[l4 x'g] sfo{sf] nflu k|fyldstf lbPsf] x'g' kg]{5 .
@= lnhbftfaf6 lnhdf lnPsf] rncrn ;DklQdf lnh k|fKtstf{n] ljleGg s[lif tyf ag ;DaGwL pTkfbgx? ug{ jf
To;sf] nflu cfjZos kg]{ kl/of]hgfx?sf] :yfkgf÷ljsf;÷lj:tf/ ug{ jf kl/of]hgfx? ;+rfng ug{ a}+sn] u/]sf] shf{
nufgLnfO{ lnh kmfOgfG;sf] ?kdf lng' kg]{5 . o;/L ul/Psf] shf{ nufgLsf] l/kf]{l6Ë g]kfn /fi6« a}+sn] ;do ;dodf
tf]s] adf]lhd g} x'g]5 .
#= lnh k|fKtstf{n] lnPsf] rncrn ;DklQsf] ;+rfngsf] ;dodf Joj;fosf] nflu rflxg] ;+/rgfx?sf] lgdf{0f tyf pQm
lgld{t ;+/rgfdf h8fg ul/g] oGq pks/0f ;d]t lnh kmfOgfG;stf{ o; a}+snfO{ lnh k|fKtstf{ C0fLaf6 clgjfo{ ?kdf
lwtf] ;'/If0f afkt n]vfO{ lng' kg]{5 .
$= lnh ;Demf}tfadf]lhd lnh k|fKtstf{n] lnhbftfaf6 k|fKt u/]sf] rncrn ;DklQdf lgdf{0f x'g] kl/of]hgfx? / To;df
/x]sf] ldn d]lzg/Lx?nfO{ lwtf] /fvL a}+s jf ljQLo ;+:yfaf6 shf{ lng ;Sg] ;xdlt lnhbftfaf6 lng' kg]{5 . o:tf]
cfzosf] Joxf]/f lnh ;Demf}tfdf ;d]t pNn]v ePsf] x'g' kg]{5 .
%= lnh ;Demf}tfadf]lhd lnh k|fKtstf{n] lnhbftfaf6 k|fKt u/]sf] rncrn ;DklQsf] ef]u jf pkof]u ug]{ qmddf
a}+saf6 lnPsf] cfjlws jf rfn' k'FhL k|s[ltsf] shf{ /sd c;"n ug]{ qmddf lnh ;Demf}tfadf]lhd k|fKt ePsf] ;DklQdf
lgdf{0f ePsf] kl/of]hgfx? / To;df /x]sf] ldn d]lzg/Lx?, kl/of]hgfdf /x]sf] pTkfbgx?, :6s tyf kfpg' kg]{ /sdx?
pk/ a}+ssf] k|yd clwsf/ /xg] ljifodf ;d]t lnhbftfsf] ;xdlt x'g' kg]{5 . o:tf] cfzosf] Joxf]/f lnh ;Demf}tfdf
;d]t pNn]v ePsf] x'g' kg]{5 .
^= lnh kmfOgfG; cGtu{t ;'/If0fdf /xg] ldn, d]zLg/L, ;jf/L ;fwg h:tf ;DklQx? tyf kl/of]hgfdf /x]sf pTkfbg
tyf :6s ;fdfgx?sf] btf{ tyf clen]v ;DaGwL Joj:yf k|rlnt ;'/lIft sf/f]af/ P]g adf]lhd shf{ ;"rgf s]Gb|df
clgjfo{?kdf btf{ ug{' kg]{5 .
&= lnh k|fKtstf{n] lnh ;Demf}tfsf] cfwf/df k|fKt u/]sf] rncrn ;DklQ o; a}+ssf] k"j{ lnlvt :jLs[lt glnO{ csf]{
kIfnfO{ k'gM lnhdf lbg kfpg] 5}g .
*= lnhbftfn] lnh ;Demf}tfsf] cfwf/df o; a}+ssf] k"j{ lnlvt :jLs[lt glnO{ lnh k|fKtstf{;Fu eË ug{ jf ;+zf]wg ug{

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 173

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

jf csf]{ kIfnfO{ k'gM lnhdf lbg kfpg] 5}g .
(= g]kfn ;/sf/, ;fj{hlgs, ;fd'bflos jf u'7Lsf] ;DklQ lnh ;Demf}tfsf] cfwf/df dfq :jfldTj x:tfGt/0f x'g] 5}g .
!)= lnh ;Demf}tfsf cfwf/df sfd sf/jfxL ubf{ s'g} ljafb b]lvPdf ;f]sf] ;dfwfg k|rlnt dWo:ytf ;DaGwL sfg"g /
cGo k|rlnt g]kfn sfg"gsf] cwLgdf /xL ug{ ;lsg]5 .
!!= o; a}+ssf] ;DklQ lnhdf lnO{ Joj;flos sf/f]af/ ug{ rfxg] lnh k|fKtstf{nfO{ o; a}+saf6 lnh kmfOgfG; ug{
kfOg] 5}g .
!@= u|fxsn] cfkm}n] k|dfl0ft u/]sf] cfˆgf] g]6jy{ / g]6jy{df plNnlvt ;DklQ tyf bfloTjx?nfO{ k|dfl0ft ug]{ cflwsfl/s
sfuhftx? ;d]t a}+s ;dIf k]z ug{' kg]{5 .
!#= lnh k|fKtstf{n] shf{ /sd r'Qmf e'Qmfg gu/]sf] cj:yfdf lgh jf lghsf] kl/jf/sf] cGo ;b:osf] gfddf /x]sf]
rncrn ;DklQ kQf nufO{ /f]Ssf /fVg] tyf c;"nL sf/jfxL cl3 a9fpg' kg]{5 .
!$= lnh ;Demf}tf adf]lhd :jLs[t ePsf] shf{sf] lnlvt hfgsf/L lnhbftfnfO{ ;d]t lbg' kg]{5 .
!%= ;+3Lo ;/sf/, k|b]z ;/sf/, :yfgLo ;/sf/ jf ;fj{hlgs ;+:yfgx?, /fli6«o tyf cGt/f{li6«o ;+3 ;+:yfx?af6 k|fKt
x'g] sf]ifsf] cfwf/df dfq o; k|f]8S6 k]k/ adf]lhd shf{ k|jfx ul/g] 5 .
!^= lnh ;Demf}tf adf]lhd crn ;DklQsf] lnh s/f/ ubf{ k|rlnt lnh s/f/ ;DaGwL g]kfnsf] sfg"g adf]lhd ug{' kg]{5
.
!&= shf{ :jLs[t ug]{ clwsf/ a}+sn] ;do ;dodf tf]s] adf]lhd x'g]5 .
!*=o; k|f]8S6 k]k/ sfof{Gjogsf] nflu cfjZos kg]{ lgb]{lzsf k|dv ' sfo{sf/L clws[tn] :jLs[t u/L hf/L ug{ ;Sg] 5g\ .
]338

338 ;+rfns ;ldltsf] ldlt @)&^.!!.!@ af6 yk

174 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[$^= 7]Ssf shf{M Contract Loan
shf{ u|fxs -s_ lgdf{0f, ;fdfg 9'jfgL, /fzg tyf ljleGg k|sf/sf ;fdfgx? ;KnfO{
ug]{ sfo{ ug{ ;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf /
O{hfhtkq lnPsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L
kmd{÷;+:yf÷sDkgL .
-v_ a'Fbf -s_ df plNnlvt sfd ug{ b'O{ jf ;f] eGbf a9L u|fxsx? Ps
cfk;df ldnL ;+o'Qm pkqmd -Joint Venture_ lgdf{0f u/]df pQm ;+o'Qm
pkqmddf /x]sf u|fxs . ;+o'Qm pkqmdsf kIfx? -u|fxsx?_ :jb]zdf btf{
ePsf g]kfnL gful/sx?af6 ;+rflnt kmd{÷;+:yf÷sDkgL jf ljb]zdf btf{
eO{ g]kfndf ;+rfngdf /x]sf kmd{÷;+:yf÷sDkgL b'j} x'g ;Sg]5g\ . t/
;+o'Qm pkqmddWo]sf] s'g} Ps kIf clgjfo{?kdf g]kfndf btf{ /x]sf]
g]kfnL gful/s ;d]t ;+nUg /x]sf] kmd{÷sDkgL x'g' kg]{5 .
shf{sf] k|of]hg lgdf{0f ;DaGwL sfo{, ;fdfg 9'jfgL ;DaGwL sfo{, /fzg ;KnfO{ ;DaGwL
sfo{ cflb h:tf 7]Ssfk§f ;DaGwL Joj;fosf] nflu .
shf{sf] clwstd ;Ldf s'n 7]Ssf nfut /sdsf] clwstd ^) k|ltzt;Dd .
shf{ ;Ldf sfod ubf{ tyf -!_ 7]Ssf /sdsf] cfwf/df o; a}+s jf cGo a}+s tyf ljQLo ;+:yfaf6
ls:tf /sd k|jfx ubf{ Wofg ;/n 7]Ssfk§f shf{ jf o:t} k|s[ltsf] s'g} csf]{ shf{ /sd k|jfx ePsf]
lbg' kg]{ ljifo /x]5 eg] pQm 7]Ssfsf] nflu of] shf{ k|bfg ul/g] 5}g .
-@_ tf]lsPsf] 7]Ssfsf] nflu o; a}+s jf cGo a}+s tyf ljQLo ;+:yfsf]
a}+s hdfgtsf cfwf/df u|fxsnfO{ k]ZsL /sd pknAw u/fOPsf] /x]5
eg] ;f] /sdnfO{ s6fP/ dfq shf{sf] clwstd ;Ldf sfod ug{' kg]{5 .
-#_ a'Fbf -!_ / -@_ sf ;DaGwdf cfjZos ;"rgf u|fxsaf6 :j3f]if0ff u/L
lng' kg]{5 .
-$_ u|fxsn] sfo{ ;Dkfbg u/]sf] k|ult cg';f/ k]z u/]sf] /lgË ljnsf]
cfwf/df ;DalGwt kfl6{x?nfO{ e'QmfgL ug{ ls:tf ls:tfdf /sd k|bfg
ug{' kg]{5 . ljz]if kl/l:yltdf /lgË ljn k]z gePsf] cj:yfdf ;d]t
:jLs[t shf{ /sdsf] clwstd @) k|ltzt;Dd ls:tf /sd k|jfx ug{
;lsg]5 .
shf{ k|bfg ug]{ cfwf/ u|fxs;Fu /x]sf] 7]Ssf Joj;foaf6 x'g] cfo tyf gub k|jfx .
shf{sf] k|s[lt Non revolving k|s[ltsf] cfjlws shf{ .
shf{sf] cjlw 7]Ssfsf] cjlw;Dd . 7]Ssfsf] ;do cjlw yk ePdf shf{sf] cjlw yk
ug{ ;lsg]5 .
shf{sf] ls:tf e'QmfgL dfl;s÷q}dfl;s÷cw{jflif{s÷EMI / EQI
u|]; cjlw @ jif{ eGbf a9L cjlwsf] 7]Ssfsf] xsdf a9Ldf ^ dlxgf;Dd .
shf{ gjLs/0f gjLs/0f gx'g] .
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g5 ] . u|fxsn] Jofh dfl;s
?kdf a'emfpg' kg]{5 .
;]jf z'Ns tyf cGo z'Ns a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g' cl3
lng' kg]{5 .
lwtf] ;'/If0f k|fylds -s_ u|fxsn] a]lglkml;o/L ;dIf k]z u/]sf] /lgË ljnsf] /sd o; a}+s
dfkm{t\ e'QmfgL ug{ a]lglkml;o/Ln] a}+s;Fu u/]sf] k|ltj4tf kq, cGo shf{
;/x shf{sf] nflu cfjZos kg]{ lwtf] /sdsf] sDtLdf #) k|ltzt

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 175

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

3/÷hUuf÷KnfG6÷d]lzg/L lwtf] /xg' kg]{5 .
-v_ olb u|fxsn] a]lglkml;o/L ;dIf k]z u/]sf] /lgË ljnsf] /sd o;
a}+s dfkm{t\ e'QmfgL ug{ a]lglkml;o/Ln] a}+snfO{ k|ltj4tf lbg g;s]df
cGo shf{ ;/xsf] lwtf] lng' kg]{5 .
;xfos kmd{÷;+:yfsf] k|f]kf| O6/÷sDkgLsf] ;+rfnsx?sf] JolQmut hdfgt tyf
;+:yfut hdfgt, 7]Ssf Joj;fosf] ;Demf}tf kq .
lwtf] ;'/If0fsf] aLdf 3/÷KnfG6÷d]lzg/L lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g]
u/L aLdf clgjfo{ x'g' kg]{5 .
shf{ cg'udg -s_ 7]Ssf ;Demf}tfsf] cjlw adf]lhd ;Dkflbt sfo{sf] k|ult ljj/0f
u|fxs÷a]lglkml;o/Ln] k|dfl0ft u/fO{ k]z ug{' kg]{5 . a}+sn] cfjZos
b]v]df 7]Ssf lnPsf] kl/of]hgfsf] lg/LIf0f ;d]t ug{' kg]{5 .
-v_ u|fxsn] k|dfl0ft u/L k]z u/]sf] /lgË ljnsf] /sd a]lglkml;o/Ln]
o; a}+s dfkm{t\ e'QmfgL u/] gu/]sf] cg'udg lgoldt ?kdf ug{' kg]{5 .
/lgË ljnsf] e'QmfgL k|fKt ePkl5 shf{ /sd 36fpg' kg]{5 .
-u_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{' kg]{5 .
-3_ u|fxssf] cfkm';Fu /x]sf] s'n 7]Ssf /sd / cjlw, ;Dkfbg ePsf]
sfo{ k|ult k|ltzt, a}+saf6 nu]sf] hdfgt /sd cflb ljifosf] lgoldt
cg'udg ug{' kg]{5 .
yk Joj:yfM
1. u|fxs / u|fxs ;lxtsf] ;+o'Qm pkqmd -Joint Venture; J/V) sf] gfddf /x]sf] ;Dk"0f{ 7]Ssfsf]
ljj/0f u|fxsaf6 k|dfl0ft u/fO{ lng' kg]{5 .
2. cjlw afFsL /x]sf] a}w 7]Ssf ;Demf}tf /sdsf] cfwf/df shf{ :jLs[t ug{' kg]{5 . 7]Ssf ;Demf}tf
/sdsf] u0fgf ubf{ u|fxsn] h]=le=kf6{g/ -J/V Partner_ x? ;lxt u/]sf] 7]Ssf ;Demf}tf /sd dWo]
lgh u|fxssf] lx:;f -jf efu_ / 7]Ssfsf] afFsL cjlw ;d]tsf] u0fgf ug{' kg]{5 .
3. 7]Ssf ;Demf}tf;Fu ;DalGwt sfuhftx?, h]=le=;Demf}tf, h]=le=df ;+nUg kIfx?sf] dfOGo"6,
h]=le=vftf ;+rfng ug]{ clVtof/L, h]=le=sf] PAN tyf cGo sfuhftx? clgjfo{ ?kdf lng' kg]{5
;fy} shf{ sfo{ljlw cg';f/ cGo shf{ zLif{sdf shf{ lng] ;+:yfut shf{ u|fxsn] k]z ug{'kg]{
cfjZos ;Dk"0f{ sfuhftx? ;d]t k]z ug{' kg]{5 .
4. ;+o'Qm pkqmddf /x]sf] s'g} Ps kmd{, ;+:yf jf sDkgLsf] dfq gfddf /x]sf] lwtf] lnP/ klg shf{
k|jfx ug{ ;lsg] 5 .
5. ;fdfGotof s'g} 7]SsfnfO{ cfwf/ dfgL :jLs[t eO{ k|jfx ePsf] shf{sf] efvf gf3]sf] cj:yfdf
;f]xL kmd{÷sDkgL jf To:tf] kmd{÷sDkgL ;+nUg /x]sf] pkqmdnfO{ ;d]t csf]{ 7]Ssfsf] nflu shf{
:jLs[t ul/g] 5}g . t/ af9L klx/f], k|fs[lts k|sf]k, dxfdf/L, cfunfuL, aGbfaGbL h:tf sfa'
aflx/sf] kl/l:yltsf sf/0f ;dodf g} sfo{ ;DkGg ug{ g;s]sf] sf/0fn] shf{n] efvf gf3]sf]
cj:yfdf shf{ ljefusf] :jLs[lt lnO{ csf]{ 7]Ssfsf] nflu shf{ :jLs[t ug{ afwf k'u]sf] dflgg]
5}g .
]339

339 ;+rfns ;ldltsf] ldlt @)&&.!!.!* af6 yk

176 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[$&=Professional Loan
shf{ u|fxs -s_ sfof{nosf] sfo{If]q leq a;f]jf; u/]sf] shf{ kfpgof]Uo ;+3Lo÷k|b]z÷:yfgLo
;/sf/ jf ;/sf/L :jfldTj /x]sf] ;+ul7t ;+:yf -;fj{hlgs
;+:yfg÷k|flws/0f÷kl/ifb÷jf]8{÷s]Gb|÷;ldlt÷c:ktfn÷ljZjljBfno÷z}lIfs
;+:yf÷cGo_, a}+s tyf ljQLo ;+:yf -æsÆ ju{sf] jfl0fHo a}s / ævÆ ju{sf]
/fli6«o:t/sf] ljsf; a}+s / æuÆ ju{sf] /fli6«o:t/sf] ljQ sDkgL_ df sfo{/t :yfoL
sd{rf/L .
-v_ sfof{nosf] sfo{If]q leq :yfoL?kdf 3/ eO{ a;f]af; u/]sf shf{ kfpgof]Uo 7"nf
;+ul7t ;+:yfdf sDtLdf @ jif{ sfo{/t :yfoL sd{rf/L .
-u_ sfof{nosf] sfo{If]q leq a;f]jf; u/]sf lrlsT;s, OlGhlgo/, l;=P=, kfO{n6 cflb
h:tf Jofj;flos sJolQmx? .
shf{ k|of]hg JolQmut÷kfl/jfl/s ljQLo cfjZostf kl/k"lt{ ug{ .
clwstd shf{ -s_ shf{sf] clwstd ;Ldf ?=!% nfv x'g]5 . pQm clwstd shf{ ;Ldf ?=!%
;Ldf nfvdWo] ?=% nfv;Ddsf] Revolving k|s[ltsf] shf{ / ?=!) nfv;Ddsf] cfjlws
k|s[ltsf] shf{ ;Ldf sfod ug{ ;lsg] 5 . shf{ u|fxssf] cfo ;|f]tsf] cfwf/df s"n
shf{ ;Ldf ?=!% nfv ggf£g] u/L cfjlws shf{ dfq klg pknAw u/fpg ;lsg]5 .
-v_ crn ;DklQ lwtf] ;'/If0f lnP/ ?=!% nfveGbf a9L /sdsf] cfjlws shf{
k|jfx ug{ ;lsg] 5 .
shf{sf] cjlw rfn' k'FhL shf{M clwstd ! jif{
cfjlws shf{M -s_ clwstd % jif{ jf sd{rf/Lsf] afFsL /x]sf] ;]jf cjlw h'g sd
x'G5 ;f]xL cjlw;Dd .
-v_ crn ;DklQ lwtf] ;'/If0f lnP/ ?=!% nfveGbf a9L /sd cfjlws shf{ k|jfx
ubf{ shf{sf] cjlw clwstd !) jif{;Dd .
ls:tf e'QmfgL cfjlws shf{sf] xsdf dfl;s ls:tf÷Equated Monthly Installment (EMI)
shf{ gjLs/0f rfn' k'FhL shf{M gjLs/0f x'g] .
cfjlws shf{M gjLs/0f gx'g] .
shf{sf] k|s[lt rfn' k'FhL shf{M Revolving k|s[ltsf] x'g] .
cfjlws shf{M Non revolving k|sl[ tsf] x'g] .
shf{ k|bfg ug]{ shf{ u|fxssf] k|dfl0ft s"n jflif{s cfo÷vr{ of]Uo cfDbfgL, shf{ ltg{ ;Sg] Ifdtf .
cfwf/
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf
a'emfpg' kg]{5 .
;]jf z'Ns tyf a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g' cl3 lng' kg]{5 .
cGo z'Ns
lwtf] k|fylds u|fxs / lghsf] Psf3/ kl/jf/sf] sDtLdf Ps ;b:osf] JolQmut hdfgt .
;'/If0f ;xfos crn ;DklQ lwtf] lnO{ k|bfg ul/g] shf{sf] xsdf 3/ hUuf tyf JolQmut hdfgt .
aLdf -s_ lwtf] glnO{ shf{ k|bfg ug]{ xsdf shf{ /sd a/fa/sf] u|fxssf] b'3{6gf aLdf x'g'
kg]{5 . shf{sf] cjlw sfod /xFbf;Dd aLdfn]v gjLs/0f x'g' kg]{5 .
-v_ 3/÷ejg ;d]t lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g] u/L clgjfo{
aLdf ul/Psf] x'g' kg]{5 . o:tf] cj:yfdf u|fxssf] b'3{6gf aLdf clgjfo{ x'g] 5}g .
shf{sf] cg'udg -s_ u|fxssf] jflif{s cfo>f]tsf] Plsg u/]/ dfq shf{ gjLs/0f ug{' kg]{5 .
-v_ dfl;s ?kdf shf{sf] ls:tf -;fFjf / Jofh_ /sd a'emfP ga'emfPsf] ;DaGwdf
;3g ?kdf cg'udg ug{' kg]{5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 177

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

-u_ shf{sf zt{x?sf] kfngf eP÷gePsf] lgoldt cg'udg ug{' kg]{5 .
shf{ c;"nL -s_ shf{sf] dfl;s ls:tf -;fFjf / Aofh_ e'QmfgL u|fxssf] o; a}+sdf /x]sf] vftfaf6
c;"n pk/ ug{' kg]{5 .
-v_ shf{sf] ls:tf -;fFjf / Aofh_ /sd tf]lsPsf] ldltdf e'Qmfg gePdf e'Qmfg
gePsf] ldltn] #) lbg leqdf ;DalGwt u|fxsnfO{ ;fFjf, Aofh / xhf{gf /sd !%
lbg leqdf a'emfpg] af/]sf] lnlvtkq a'emfO{ ;f] kqsf] af]wfy{ k|lt sd{rf/L sfo{/t
/x]sf] ;DalGwt ;+:yfnfO{ ;d]t shf{ c;"nL sfo{df ;xof]u ug{sf] nflu kqfrf/ ug{'
kg]{5 .
-u_ $% lbg leqdf klg aSof}tf /sd c;"n pk/ x'g g;s]df a}+ssf] k|rlnt c;"nL
sfo{ljlw adf]lhd shf{ r'Qmf ug{ cfpg] af/]sf] @! lbgsf] ;"rgf k|sflzt ug{' kg]{5 .
k|sflzt ;"rgfsf] hfgsf/L u|fxs / lgh u|fxs sfo{/t /x]sf] ;DalGwt ;+:yfnfO{
;d]t lbg' kg]{5 .
-3_ u|fxsn] shf{sf] aSof}tf /sd glt/] ga'emfPdf aSof}tf /sd c;"nLsf] nflu
u|fxs jf lghsf] Psf3/ kl/jf/sf ;b:osf] gfddf /x]sf] rn crn ;DklQ kQf
nufO{ /f]Ssf ug{' kg]{5 ;fy} u|fxsnfO{ sfnf] ;"rLdf /fvL lwtf] lnnfdLsf] k|lqmof
cufl8 a9fpg' kg]{5 .
-ª_ shf{ c;"nL ;DaGwL cGo Joj:yf a}+s ;DaGwL k|rlnt P]g lgodx? tyf o;
a}+ssf] ljBdfg shf{ c;"nL sfo{ljlw adf]lhd x'g]5 .
yk Joj:yfM
1. u|fxssf] ;]jfaf6 cjsfz x'g afFsL cjlw Go"gtd @ jif{ /xg' kg]{5 .
2. ;DalGwt ;+:yfn] shf{ dfu ug]{ sd{rf/L -u|fxs_ sf] lj:t[t ljj/0f h:t}M gfd, kb, :yfoL tyf
c:yfoL 7]ufgf, lgo'lQm ldlt, ;]jfaf6 cjsfz x'g] ldlt, vfOkfO{ cfPsf] jflif{s tna cflb
k|dfl0ft u/L lbg' kg]{5 . shf{ ljZn]ifsn] cfjZostf cg';f/ ;f]sf] k|df0fLs/0f ug{' kg]{5 .
3. u|fxsn] sDtLdf kl5Nnf] ! cfly{s jif{sf] a}+s vftfsf] ljj/0f k]z ug{' kg]5
{ .
4. shf{ nufgL ug{'k"j{ u|fxs cfkm}n] k|dfl0ft u/]sf] g]6 jy{ -Net Worth_ k]z ug{' kg]{5 ;fy} To;df
plNnlvt ;DklQ tyf bfloTjnfO{ k|dfl0ft ug]{ sfuhftx?sf] k|ltlnkL ;d]t k]z ug{' kg]{5 .
5. shf{ dfu ug]{ u|fxssf] :yfoL n]vf gDa/ -PAN_ clgjfo{ ?kdf lng' kg]{5 .
6. ;+:yfut hdfgt ;d]t lnPsf] cj:yfdf pQm ;+:yfsf]] o; a}+sdf rNtL jf cGo vftf vf]nL pQm
vftfdf lgoldt ?kdf sf/f]af/ u/]sf] x'g' kg]{5 .
7. ;+:yfut hdfgtsf] cfwf/df dfq k|jfx ePsf] shf{sf] xsdf æa}+sn] tf]s]sf] ;dodf shf{sf]
ls:tf ga'emfO{ ^) lbg eGbf a9L cjlwn] efvf g3fPdf o; ;+:yfsf] o; a}+sdf /x]sf] vftfnfO{
8]lj6 u/L aSof}tf /sd c;"n pk/ ug{ xfd|f] d~h"/L /x]sf] 5Æ eGg] cfzosf] kq ;+:yfaf6 ;Dej
eP;Dd n]vfO{ lng' kg]{5 .
]340

340 ;+rfns ;ldltsf] ldlt @)&&.!!.!* af6 yk

178 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[$*= cNksflng shf{ Short Term Loan
shf{ u|fxs -!_ ;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf pBf]u÷Jofkf/ Joj;fo
ug{ O{hfhtkq lnPsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L
kmd{÷;+:yf÷sDkgL÷;+o'Qm pkqmddf /x]sf kmd{÷sDkgLx? .
-@_ a}+saf6 ;+rfng k'FhL jf cfjlws k'FhL k|s[ltsf] shf{ :jLs[t u/L shf{ sf/f]af/
ul//x]sf /÷jf cGo ;'ljwf sf/f]af/ ul//x]sf u|fxsx? .
shf{sf] k|of]hg -!_ ljleGg k|sf/sf b}lgs pkef]Uo j:t', :6]zg/L ;fdfg, sk8f÷km]G;L ;fdfg,
wft'÷sf7÷Knfl:6s÷l;;fsf ;fdfg, kmlg{r/÷kmlg{l;Ësf ;fdfg, lgdf{0f ;fdfu|L,
s[lif pkh a]rljvg tyf g]kfn ;/sf/af6 vl/b ljqmL ug{ aGb]h gnufO{Psf cGo
;fdfgx? vl/b ljqmL sf/f]af/ ug{ .
-@_ kl/of]hgfnfO{ 5f]6f] cjlwsf] nflu cfjZos kg]{ j:t' v/Lb jf pTkfbg ug]{
sfo{sf] nflu .
shf{ k|bfg ug]{ :6s÷df}Hbft, lng'kg]{ lx;fj -Debtors/cf;fdL_ vftf, ltg{'kg]{ lx;fj -
cfwf/ Creditors/;fx'_ vftfsf] cfwf/df kl/of]hgfsf] ;DefJotfsf] ljZn]if0f u/L cfjZos
kg]{ rfn' k'FhLsf] clwstd *) k|ltzt;Dd .
shf{sf] k|sl[ t Revolving k|s[ltsf] x'g] .
shf{sf] cjlw clwstd ^ dlxgf . :jLs[t shf{ k|jfx ePsf] ldltn] ^ dlxgfleqdf r'Qmf x'g'
kg]{5 .
shf{ gjLs/0f gjLs/0f ug{ g;lsg] .
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . u|fxsn] Jofh dfl;s ?kdf
a'emfpg' kg]{5 .
;]jf z'Ns tyf cGo a}+sn] ;do ;dodf tf]s] cg';f/ x'g]5 . z'Ns /sd shf{ k|jfx x'g' cl3 lng' kg]{5
z'Ns .
lwtf] k|fylds df}Hbft -Stock), kfpg'kg]{ /sd -Account Receivable/Debtors), JolQmut hdfgt
;'/If0f ;xfos cfjZostf cg';f/ 3/÷hUuf tyf cGo
aLdf -s_ kl/of]hgfdf /x]sf :6s÷dfn;fdfgsf] aLdf ug{' kg]{5 .
-v_ 3/, ejg, KnfG6, d]lzg/L lwtf] ePdf d"Nof+lst /sdsf] a}+s a]lglkml;o/L x'g]
u/L clgjfo{ aLdf x'g' kg]{5 .
shf{sf] cg'udg -s_ kl/of]hgf ;'rf? ?kdf ;+rfng eP÷gePsf] cg'udg ug{' kg]{5 .
-v_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{' kg]{5 .
-u_ q}dfl;s ?kdf :6ssf] ljj/0f, cjlw cg';f/sf] cf;fdL vftfsf] ljj/0f,
ltg{'kg]{ lx;fjsf] ljj/0f lnO{ cfjZostf adf]lhd k/LIf0f u/L ldl;ndf cBfjlws
ug{' kg]{5 .
yk Joj:yf shf{ / :jMk'FhL cg'kft tf]lsPsf] ;Ldf ggf3\g] u/L shf{sf] clwstd ;Ldf sfod
ug{' kg]5{ .

]341

341 ;+rfns ;ldltsf] ldlt @)&&.!!.!* af6 yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 179

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[$(= pTkfbg tyf /f]huf/Lsf nflu ;x'lnotk"0f{ shf{ -afudtL k|b]zsf nflu dfq_
shf{ u|fxs afudtL k|b]z cGt/ut shf{ kfpg of]Uo g]kfnL gful/s jf ;DalGwt lgsfodf btf{
eO{ lgoldt gjLs/0f ePsf shf{ kfpg of]Uo JolQmut kmd{÷;fem]bf/L
kmd{÷sDkgL÷;d'x÷;+:yf .
shf{ k||of]hg s[lif Joj;fo, pBf]u Joj;fo, ko{6g k|j4{g, Jofkf/ Joj;fo, jg tyf jftfj/0f
hGo pBf]u ;+rfng, dlxnf pBdlzntf tyf blnt ;d'bfo Joj;fo ljsf; tyf
kmf]xf]/d}nf Joj:yfkg ug{sf] nflu .
shf{sf] k|sl[ t cfjlws shf{ Non Revolving k|s[ltsf] x'g] .
shf{sf] cjlw clwstd % jif{ .
shf{sf] pk–zLif{s shf{sf] clwstd ;Ldf
s_ s[lif Joj;fo shf{ ?=!) nfv;Dd
-v_ pBf]u Joj;fo shf{ ?=!) nfv;Dd
-u_ ko{6g k|j4{g shf{ ?=!) nfv;Dd
shf{sf] lsl;d,
clwstd ;Ldf / -3_ Jofkf/ Joj;fo shf{ ?=!) nfv;Dd
lwtf] -ª_ jg tyf jftfj/0f hGo Joj;fo shf{ ?=!) nfv;Dd
-r_ dlxnf pBdlzntf shf{ ?=!) nfv;Dd
-5_ blnt ;d'bfo Joj;fo ljsf; shf{ ?=!) nfv;Dd

-h_ kmf]xf]/d}nf Joj:yfkg shf{ ?=!) nfv;Dd

shf{ k|bfg ug]{ kl/of]hgfnfO{ cfjZos kg]{ s"n k"FhL /sdsf] clwstd &) k|ltzt;Dd jf a}+sn]
cfwf/ ;do ;dodf tf]s] adf]lhd x'g]5 .
lwtf] k|fylds 3/ hUuf tyf kl/of]hgf
;'/If0f ;xfos JolQmut hdfgt÷;fd"lxs hdfgL
shf{sf] ls:tf dfl;s÷q}dfl;s÷cw{jflif{s÷jflif{s÷EMI
e'QmfgL
Jofhb/ ;fwf/0f Jofhb/ # k|ltzt x'g]5 . Jofh dfl;s ga'emfPdf jf ls:tf efvf g3fPdf
a}+ssf] k|rlnt Joj:yf adf]lhd yk xhf{gf Jofh b/ nfUg] 5 .
Jofh a'emfpg] Jofh dfl;s ?kdf a'emfpg' kg]{5 .
;do
;]jf z'Ns ;]jf z'Ns lng kfOg] 5}g .
cGo z'Ns shf{ ;"rgf z'Ns lgodfg';f/ lng' kg]{5 .
kl/of]hgfdf ePsf :yL/ ;DklQ, :6s tyf lwtf]df /xg] 3/, ;]]8, 6x/f / ldn
d]l;g/Lx?sf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{?kdf x'g' kg]{5 . zfvf
aLdf ;DaGwL sfof{non]] kl/of]hgfsf] aLdf lk|ldod jfktsf] /sd ;DalGwt aLdf sDkgLnfO{
e'QmfgL lbO{ afUdtL k|b]z ;/sf/n] a}+snfO{ pknJw u/fPsf] jh]6jf6 lx;fj ldnfg
ug'{ kg]{5 .

180 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

-!_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{' kg]{5 .

shf{sf] cg'udg -@_ shf{ /sdsf] ;b'kof]lutf eP÷gePsf] lgoldt cg'udg ug{' kg]{5 .
-#_ kl/of]hgf ;'rf? ?kdf ;+rfng eP÷gePsf] lgoldt cg'udg ug{' kg]{5 .

shf{ c;"nL shf{ lg:s[odf ePdf jf shf{sf] b'?kof]u ePdf k|rlnt shf{ c;'nL ;DaGWfL
;DaGWfL Joj:yf sfo{ljlw jdf]lhd shf{ c;'nL sf/jfxL ug'{ kg]{5 .
yk Joj:yfM
!= s[lif Joj;fosf If]q eGgfn] vfBfGg, gub]jfnL, t/sf/L pTkfbg, k|zf]wg, e08f/0f, aLp lahg
pTkfbg, k|zf]wg tyf e08f/0f, ;fd'lxs tyf Joj;flos v]tL, df}/Lkfng Joj;fo, k'ik Joj;fo,
Joj;flos /]zd sL/f kfng, kz'kG5Lkfng, cli6«r tyf Joj;flos ?kdf kflng] a§fO{, sflnh, aFb]n,
kmnkm'n pTkfbg, pTkflbt kmnkm'nsf] k|;f]wg tyf e08f/0f, b'Uw pTkfbg, 8]/L tyf k|zf]wg / laqmL
ljt/0f, Joj;flos ?kdf ul/Psf] dT:okfng, pTkflbt df5fsf] e08f/0f tyf laqmL ljt/0f, Rofp
pTkfbg, k|zf]wg tyf e08f/0f, kz'jwzfnf Pj+ df;'hGo pTkfbg Joj;fo, h8Lj'6L pTkfbg, k|zf]wg
tyf e08f/0f, pv', skmL, lrof, cn}+rL, cb'jf, j];f/, h}t'g, ;"o{d'vL, skf;, ;gkf6, ;lhjg,
:jL6;/3d, s]z/, t]nxg, d;nfjfnL, bnxg, cNnf], nf]Qmf v]tL cflb tyf logLx?sf] e08f/0f, k|zf]wg
/ laqmL ljt/0f, hf}, kmfk/, l;nfd, csj/] v';f{gL, l;:g' tyf crf/sf] pTkfbg, k|zf]wg / laqmL ljt/0f,
skf;, pmg, /];d v]tL÷pTkfbg, k|zf]wg / laqmL ljt/0f, k|fªufl/s tyf h}ljs dn, e]8f, Rofª\u|f /
rf+}/L nufotaf6 pmgsf] pTkfbg, k|zf]wg / laqmL ljt/0f, s[lif cf}hf/ -y|];/, cfw'lgs xnf], 6\ofS6/,
6«]n/ cflb_, :yfgLo :t/df tof/ x'g] u'Gb|L, gfËnf], 8f]/L, 8f]sf], y'G;], km'ª\nf], bfDnf], 3'd, lrqf, esf/L,
a]tafF;, lgufnf], v's'/L h:tf ;fdfgx?sf] Joj;flos pTkfbg ug{ / laqmL ljt/0f tyf k|b]z ;/sf/n]
;do–;dodf yk u/]sf cGo s[lif Joj;fox?nfO{ ;d]t hgfpFb5 .
@=pBf]u Joj;fosf If]q eGgfn] Xof08n'd, k]8n n"d, ;]dL–c6f]d]l6s n"d, sk8f jflk{Ë, k/Dk/fut
k|ljlwjf6 ul/g] /ËfO{, 5kfO{, l;nfO{ / a'gfO{, pmg / /]zddf cfwfl/t xft] a'gfO{sf /f8L, kfvL, un}+rf,
klZdgf, kf]zfs, xft] sfuh / ;f]df cfwfl/t j:t', k/Dk/fut snfdf cfwfl/t j:t' tyf ;]jf,
k/Dk/fut snfdf cfwfl/t j:t', tfdf, lkQn, 9nf}6, sfF; / hd{g l;Ne/ h:tf wft'jf6 x:t lgld{t
efF8fjt{g tyf x:tsnfsf ;fdfg, kmnfdjf6 ag]sf x:t lgld{t efF8f jt{g tyf 3/fo;L k|of]usf rSs',
r'n];L, sb{, r'KkL, :ofËL, aGr/f], v's'/L, xF;Lof, s'6f], sf]bfnf] h:tf k/Dk/fut cf}hf/x?, ;'grfFbLaf6
x:t lgld{t u/uxgf, j:t', efF8f–jt{gx?, ax'd"No, cw{ lsdlt -ax'd"No tyf kTy/ h8fg ePsf ;d]t_,
k|b]zdf pknJw lsdlt, cw{ lsdlt tyf ;fwf/0f kTy/ s6fO{ pBf]u, u|fdL0f 6\oflgË / 5fnfjf6 lgld{t
j:t'x?, h'6, ;jfO 3fF;, k/fn, 5jfnL, rf]of, aflaof], ;'tL wfuf], cNnf] cflb k|fs[lts /]zfdf cfwfl/t
pBf]u, kTy/snf -9+'uf s'FbL agfOPsf ;fdfgx?_, kf}ef, yfÍf lrq / cGo k/Dk/fut lrqsnf, d's'08f] -
df:s_ tyf k/Dk/fut ;+:s[lt bzf{pg] ljleGg k|sf/sf x:tsnfsf j:t', k/Dk/fut ;+:s[lt, afhfufhf
/ snf bzf{pg] ljleGg k|sf/sf x:tsnfsf j:t', sf7, xf8, l;ª tyf df6f], r§fg / vlghsf snfTds
j:t'x? ;]/fldS; tyf df6fsf efF8fs'F8f, xftn] 5fKg] O{6f pBf]u, ckfËtf -km/s Ifdtf_ ePsf
JolQmx?n] k|of]u ug]{ ;fwg tyf pks/0f dd{t pBf]u, wfg, ds}, ux'F, tf]/L h:tf s'6fgL lk;fgL ug]{
sf]n, kfgL3§ tyf ldn tyf k|b]z ;/sf/n] ;do–;dodf yk u/]sf cGo pBf]ux?nfO{ ;d]t hgfpFb5 .
#=ko{6g k|jw{g If]q eGgfn] ko{6s cfjf;, df]6]n, xf]6]n, l/;f]6{ tyf /]i6'/fF, lxlnË ;]G6/, d;fh, :kf,
;fpgf, Hofs'hL, 6«fen P08 6';{, ;fxl;s ko{6g -l:sOË, UnfOl8Ë, jf6/ /\oflˆ6Ë, x6 Po/ Jofn'lgË,
Sofgf]lgª, Kof/f ;]lnË, xfQL ;jf/, 3f]8r9L, aGhL hlDkË, uNkm sf];{, kf]nf], 6«]lsË, kbofqf, lhkˆnfo/,
;fOlSnOË, ckm/f]8 8«fOleË, hLk ;kmf/L_, u|fld0f ko{6g, xf]d:6] tyf kof{j/0fLo ko{6g -kof{ ko{6g_,
6«fen tyf 6«]lsË, ko{6sLo ufO8, 8'+uf Joj;fo, df]6/af]6, af]l6Ë, hn ko{6g tyf k|b]z ;/sf/n] ;do
;dodf tf]ss ] f cGo ko{6g pBf]ux?nfO{ ;d]t hgfpFb5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 181

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

$=Jofkf/ Joj;fosf If]q eGgfn] kmf]6f]skL, sDKo"6/ ;+rfng, dd{tzfnf -6]Dkf], a;, ldlgj;, dfOqmf]j;,
6«s, ldgL6«s, 8]lne/L Eofg, sf/, hLk, l/S;f, /]l8of], kmf]6f]skL, sDKo'6/, l6=eL=, 6]nLkmf]g, df]afOn,
n'uf l;nfpg] d]l;g, O{n]S6«f]lgs ;fdfg, 38L cflb_, l;nfO{, a'gfO{, s]z >[Ëf/, l;sdL{, 8sdL{sf] ;]jf,
b}lgs pkef]usf ;fdfg vl/b laqmL, k':ts, :6];g/L Pj+ cGo z}lIfs ;fdfu|Lsf] vl/b laqmL, lrof tyf
rd]gf k;n, k"hf ;fdu|L k;n, :jf:Yo k/LIf0f, Nofj, kmfd]{;L, x]Ny Snj, kz' :jf:Yo k/LIf0f tyf kz'
cf}ifwL k;n tyf k|b]z ;/sf/n] ;do ;dodf yk u/]sf cGo Jofkf/ Joj;fosf If]qnfO{ ;d]t
hgfpFb5 .

%=jg tyf jftfj/0f If]q eGgfn] g;{/L :yfkgf / ljsf;, jg ljsf;sf nflu k|of]u x'g] dnvfb, s[lif
jg k|0ffnLsf] ljsf; / lj:tf/, ;f}o{ pmhf{ pTkfbg tyf ljt/0f, jg k}bfj/df cfwfl/t jftfj/0f d}qL
emf]nf pTkfbg tyf ljt/0f tyf k|b]z ;/sf/n] ;do–;dodf yk u/]sf cGo jg tyf jftfj/0f If]qnfO{
;d]t hgfpFb5 .
^=dlxnf tyf blnt ;d'bfo ljsf;sf] nflu C0fsf] If]q eGgfn] k/Dk/fut ahfpg] afhf lgdf{0f tyf
vl/b ug{, l;nfO{ s6fO{, l;nfO{ s6fO{ tflnd ;+rfng, l;nfO{ d]lzg vl/b ug{, k/Dk/fut cfo cfh{gsf
k]zfx?, Ao'6Lkfn{/, b'gf 6k/L pTkfbg laqmL ljt/0f, crf/ jgfpg] Joj;fo, 3/a'gf ;DaGwL Joj;fo,
kmnfd, sf]Onf cflb j:t' vl/b laqmL ug{, cf/g agfpg rflxg] ;fdu|L vl/b tyf lgdf{0f ug{, cf/gsf]
nflu oGqzfnf lgdf{0f ug{, h'Qf agfpgsf] nflu rflxg] sRrf kbfy{, k|zf]lwt 5fnf, h'Qf, rKkn, Aofu
cflb agfpg sRrf kbfy{ vl/b Pj+ k|zf]wg / pTkflbt j:t'x? laqmL ug{, k/Dk/fut ;'g rfFbLsf uxgf
Pj+ efF8fs'F8f agfpg] k;n tyf ;f];Fu ;DalGwt sfnLu9L ;]jf, ;/;kmfO{ k]zfsf] nflu rflxg] ;fdfgx?
vl/b ug{, cfˆgf] k'Vof}{nL k]zfnfO{ lg/Gt/tf lbgsf] nflu rflxg] sRRff kbfy{ vl/b ug{, j:t' tyf ;]jf
laqmL ug{, Joj;fosf] nflu ;fd"lxs oGqzfnf lgdf{0f ug{ tyf k|b]z ;/sf/n] ;do–;dodf tf]s]sf
cGo k]zfx? ;d]t hgfpFb5 .
&=kmf]xf]/d}nf Joj:yfkgsf If]q eGgfn] kmf]xf]/d}nf ;+sng tyf Joj:yfkg ;]jf, ;/;kmfO{ ;]jf
kmf]xf]/d}nf k'gM k|zf]wg, sjf8L ;fdfg ;+sng tyf k|zf]wg, nf}G8«L Joj;fo tyf k|b]z ;/sf/n] ;do–
;dodf yk u/]sf cGo kmf]xf]/d}nf Joj:yfkgsf] If]qx?nfO{ ;d]t hgfpFb5 .
*= of] k|f]8\S6 o; a}+ssf] afudtL k|bz] cGtu{tsf sfof{nox?df dfq nfu' x'g]5 .
(=o; sfo{ljlw jdf]lhd nufgL x'g] shf{x?sf nflu clgjfo{ ?kdf a}+snfO{ :jLsf/ of]Uo lwtf] lng'
kg]{5 .
!)= :yfgLo tx, k|b]z ;/sf/ jf ;+3Lo ;/sf/sf] cGo s'g} ;x'lnotk"0f{ C0f jf ;'ljwf lnPsf JolQm
jf ;+:yfnfO{ bf]xf]/f] ;'ljwf kfpg] u/L shf{ nufgL ug{ kfOg] 5}g . ;f] ;DaGwdf u|fxsjf6 :j3f]if0ff
lng'kg]{5 .
!!= ;d'xnfO{ shf{ k|bfg ubf{ b]xfo jdf]lhd ug'{kg]{5 .
-s_ u7g ePsf] ;d'xdf km/s÷km/s kl/jf/sf !* jif{ pd]/ k'/f ePsf sDtLdf % -kfFr_ hgf
;b:o x'g' kg]{5 .
-v_ ;d'x g]kfn ;/sf/sf] cflwsfl/s lgsfodf btf{ ePsf] x'g' kg]{5 .
-u_ ;d'xsf] :yfoL n]vf gDa/ (PAN) x'g' kg]{5 .
-3_ ;d'xdf ePsf ;Dk"0f{ ;b:ox?sf] a}+sn] tf]s] adf]lhd lglb{i6 kmd]{6df clgjfo{?kdf ;fd'lxs
hdfgL lng' kg]{5 .
-ª_ ;d'x ;+rfng ;DaGwL ;ldltsf kbflwsf/Lx?sf] clgjfo{?kdf JolQmut hdfgt ;d]t lng'
kg]{5 .
-5_ ;d'xdf cfj4 ;Dk"0f{ ;b:ox?sf] jf s'g} Ps ;b:osf] gfddf btf{ ePsf] a}+snfO{ :jLsf/

182 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

of]Uo x'g] hUuf tyf 3/ lwtf] :j?k lng' kg]{5 .
!@= s[lif, kz'kfng / dT:okfng ug{ shf{ dfu ug]{ cfj]bsn] cfjZostf cg';f/ k|b]z ;/sf/ /
:yflgo lgsfo cGt/utsf e]6g/L c:ktfn, kz' ;]jf lj1 s]Gb|, s[lif 1fg s]Gb| tyf j8f sfof{nosf]
l;kmfl/; ;d]t k]z ug'{ kg]{5 .
!#= cfly{s dfldnf tyf of]hgf dGqfno afUdtL k|b]zn] lgsf;f u/L o; a}+snfO{ pknAw u/fPsf] /sd
ggf3\g] u/L shf{ k|jfx ug'{ kg]{5 . o;/L dGqfnon] pknAw u/Psf] /sdsf] Go"gtd %) k|ltzt /sd
s[lif, kz'kfng / dT:okfngsf] If]qdf clgjfo{?kdf nufgL ug{ k|b]z sfof{nox?n] dftxtsf
sfof{nox?nfO{ nIo lgwf{/0f ug'{ kg]{5 .
!$= k|rlnt shf{ sfo{ljlw adf]lhd kl/of]hgfsf] lgoldt cg'udg tyf lg/LIf0f ug'{ kg]{5 . shf{sf]
b'?kof]u u/]df k|rlnt shf{ c;"nL sfo{ljlw adf]lhd sf/jfxL ug'{ kg]{5 .
!%= o; k|f]8'S6 k]k/ cg';f/ shf{ :jLs[lt ug'{ cl3 clgjfo{?kdf shf{ ;"rgf s]Gb|af6 ;fv ;"rgf lng'
kg]{5 .
!^= o; k|f]8'S6 k]k/ cg';f/ shf{ k|jfx ePsf] hlt;'s} /sd ePtf klg g]kfn /fi6« a}+ssf] lgb]{zg
cg';f/ shf{ ;"rgf s]Gb|df tf]lsPsf] ;do leq clgjfo{?kdf shf{sf] ljj/0f cBfjlws ug'{ kg]{5 .
!&= cfly{s dfldnf tyf of]hgf dGqfno afudtL k|b]zn] hf/L u/]sf] æpTkfbg tyf /f]huf/L l;h{gfsf
nflu ;x'lnotk"0f{ C0f nufgL sfo{ljlw, @)&&Æ n] dfl;s, q}dfl;s / jflif{s?kdf dfu u/] adf]lhdsf]
lglb{i6 9fFrf cg';f/ k|b]z sfof{no sf7df08f}+n] dftxtsf sfof{nox?sf] k|ult ljj/0f sDkfon u/L
k|b]z sfof{no lj/]Gb|gu/df k7fpg] / lj/]Gb|gu/n] cfˆgf] dftxtsf sfof{nox?sf] / k|b]z sfof{no
sf7df08f}sf] ;d]t sDkfon u/L lgwf{l/t ;dodf cfjZostf cg';f/ cfly{s dfldnf tyf of]hgf
dGqfnodf /x]sf] ;ldltsf] ;lrjfno, g]kfn /fi6« a}+s tyf ;DalGwt ljefudf k7fpg' kg]{5 .
!*=o; k|f]8\S6 k]k/ cg';f/ shf{ k|jfx ubf{ cfjZos kg]{ kmd]{6 k|rlnt shf{ sfo{ljlwn] tf]s] adf]lhd
x'g]5 .
!(=o; k|f]8\S6 k]k/df :ki6 gePsf ljifodf a}+ssf] k|rlnt shf{ gLlt tyf sfo{ljlw, cfly{s dfldnf
tyf of]hgf dGqfno afudtL k|b]zn] hf/L u/]sf] pTkfbg tyf /f]huf/L l;h{gfsf nflu ;x'lnotk"0f{ C0f
nufgL sfo{ljlw, @)&&Æ tyf g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd x'g]5 .

]342

342 ;+rfns ;ldltsf] ldlt @)&&.!).#) sf] lg0f{oaf6 yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 183

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[%)= Joj;flos s[lif tyf kz'kG5Lkfngsf nflu ;'ne shf{ -n'lDagL k|b]zsf nflu dfq_
shf{ u|fxs n'lDagL k|b]z cGt/utsf shf{ kfpg of]Uo g]kfnL gful/s jf ;DalGwt lgsfodf
btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpg of]Uo JolQmut kmd{÷;fem]bf/L
kmd{÷sDkgL÷;d'x÷;+:yf .
shf{ k||of]hg cGg, t/sf/L tyf cGo gub] afnL, lrof, skmL, ;gkf6, ;'tL{, kmnkm'n tyf k'ik
v]tL, kz'kG5Lkfng tyf dfx'/Lkfng, dnvfb tyf ls6gfzs, zLte08f/, l;+rfO{,
jg, kz'kG5L awzfnf, cGo s[lif tyf s[lifhGo ;]jfx?, df5fkfng, s[lif cf}hf/,
aLplahg, kz'kG5L bfgf, s[lif pkh e08f/0f, lrof, skmL, cb'jf / kmnkm'n
k|zf]wg / cfGtl/s s[lif pkhsf] k|fylds ?kdf x'g] k|zf]wg cflb sfo{ ug{sf]
nflu . ;fy} n'lDagL k|b]z ;/sf/ cGtu{t e"ld Joj:yf, s[lif tyf ;xsf/L
dGqfnon] hf/L u/]sf] æz'ne shf{ ;xhLs/0f tyf Jofhdf cg'bfg sfo{qmd
;+rfng sfo{ljlw, @)&^Æ n] ;do ;dodf tf]s] jdf]lhd x'g]5 .
shf{sf] k|sl[ t cfjlws shf{ Non Revolving k|s[ltsf] x'g] .

;+rfng kF"hL shf{ Revolving k|s[ltsf] x'g] .

shf{sf] cjlw cfjlws shf{ kl/of]hgfsf] k|sl[ t cg';f/ clwstd !) jif{;Dd .
;+rfng k"FhL shf{ ! jif{sf] x'g]5 .
shf{ u|fxssf] k|rlnt shf{ sfo{ljlwn] tf]s] adf]lhd x'g]5 .
Go'gtd of]Uotf
shf{sf] clwstd ?= ! nfv b]lv clwstd ?=! s/f]8;Dd dfq x'g]5 .
;Ldf
lwtf] k|fylds a}+snfO{ :jLsf/ of]Uo 3/÷hUuf
;'/If0f ;xfos JolQmut hdfgt÷;fd"lxs hdfgL
shf{ k|bfg ug]{ cfjlws shf{ kl/of]hgfsf] :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos
cfwf/ kg]{ l:y/ k"FhL /sdsf] clwstd &) k|ltzt;Dd jf
a}+sn] ;do ;dodf tf]s] adf]lhd x'g]5 .
;+rfng k"FhL shf{ kl/of]hgfsf] nflu cfjZos ;+rfng k"FhL /sdsf]
clwstd *) k|ltzt;Dd jf a}+sn] ;do ;dodf tf]s]
adf]lhd x'g]5 .
shf{sf] ls:tf cfjlws shf{ dfl;s÷q}dfl;s÷cw{jflif{s÷jflif{s÷EMI
e'QmfgL
shf{ gjLs/0f cfjlws shf{ gjLs/0f ug{ g;lsg] .
;+rfng k"FhL shf{ gjLs/0f ug{ ;lsg] .
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . Jofh dfl;s?kdf a'emfpg'
kg]{5 .
;]jf z'Ns n'lDagL k|b]z ;/sf/ cGtu{t e"ld Joj:yf, s[lif tyf ;xsf/L dGqfnon] hf/L
u/]sf] æz'ne shf{ ;xhLs/0f tyf Jofhdf cg'bfg sfo{qmd ;+rfng sfo{ljlw,
@)&^Æ tyf o; a}+sn] pQm k|b]z;Fu u/]sf] ;Demf}tf / a}+ssf] k|rlnt gLlt lgod
cg';f/ x'g]5 .
cGo z'Ns shf{ ;"rgf z'Ns u|fxsn] a'emfpg' kg]{5 .
aLdf ;DaGwL kl/of]hgfdf ePsf :yL/ ;DklQ, :6s tyf lwtf]df /xg] 3/, ;]]8, 6x/f / ldn

184 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

Joj:yf d]l;g/Lx?sf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ ?kdf x'g' kg]{5 .
shf{sf] cg'udg -!_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{' kg]{5 .
-@_ shf{ /sdsf] ;b'kof]lutf eP÷gePsf] lgoldt cg'udg ug{' kg]{5 .
-#_ kl/of]hgf ;'rf? ?kdf ;+rfng eP÷gePsf] lgoldt cg'udg ug{' kg]{5 .

shf{ c;"nL ;DaGWfL shf{ lg:s[o ePdf jf shf{sf] b'?kof]u ePdf a}+ssf] k|rlnt shf{ c;'nL ;DaGWfL
Joj:yf sfo{ljlw jdf]lhd shf{ c;'nL sf/jfxL ug'{ kg]{5 .
yk Joj:yfM
1. of] k|f]8\S6 o; a}+ssf] n'lDjgL k|b]z cGtu{tsf sfof{nox?df dfq nfu" x'g]5 .
2. ;+:yf jf sDkgLsf] xsdf g]kfnL gful/ssf] ztk|ltzt z]o/ :jfldTj /x]sf] x'g' kg]{5 .
3. ;d'xnfO{ shf{ k|bfg ubf{ b]xfo jdf]lhd ug'{kg]{5 .
-s_ u7g ePsf] ;d'xdf km/s÷km/s kl/jf/sf !* jif{ pd]/ k'/f ePsf sDtLdf % -kfFr_ hgf ;b:o
x'g' kg]{5 .
-v_ ;d'x g]kfn ;/sf/sf] cflwsfl/s lgsfodf btf{ ePsf] x'g' kg]{5 .
-u_ ;d'xsf] :yfoL n]vf gDa/ (PAN) x'g' kg]{5 .
-3_ ;d'xnfO{ clwstd ?=!) nfv;Dd dfq Joj;flos s[lif tyf kz'kG5L shf{ k|jfx ug{ ;lsg] 5 .
-ª_ ;d'xdf ePsf ;Dk"0f{ ;b:ox?sf] a}+sn] tf]s] adf]lhd lglb{i6 kmd]{6df clgjfo{?kdf ;fd'lxs
hdfgL lng' kg]{5 .
-r_ ;d'x ;+rfng ;DaGwL ;ldltsf kbflwsf/Lx?sf] clgjfo{?kdf JolQmut hdfgt ;d]t lng' kg]{5
.
-5_ ;d'xdf cfj4 ;Dk"0f{ ;b:ox?sf] jf s'g} Ps ;b:osf] gfddf btf{ ePsf] a}+snfO{ :jLsf/ of]Uo
x'g] hUuf tyf 3/ lwtf] :j?k lng' kg]{5 .
4. shf{ nufgL ubf{ k|of]u x'g] cg';"rLx? k|rlnt shf{ sfo{ljlwn] tf]s] adf]lhd k|of]u ug'{kg]{5 .
5. Joj;fosf] k|s[lt / gub k|jfxsf cfwf/df clwstd !) jif{;Dd cfjlws shf{sf] e'QmfgL sfo{qmd
sfod ug{ ;lsg] 5 . k|b]z ;/sf/n] pknAw u/fpg] Jofh cg'bfg cjlw ;dfKt eP kZrft
Jofhb/ tyf cGo z'Ns ;DjGwdf a}+sn] ;do ;dodf tf]s] jdf]lhd x'g]5 . ;f] ;DaGwL shf{
cfj]bsaf6 :j3f]if0ff lng' kg]{5 .
6. ljifout ;xsf/L ;+:yfsf] ljlgoddf s[lif pTkfbg, kz'kG5Lkfng jf s[lif pkhsf] k|zf]wg jf
e08f/0f jf laqmL ljt/0f ug]{ p2]Zo pNn]v ePdf o; k|f8] \S6 cg';f/ shf{ nufgL ug{ ;lsg] 5 .
t/ pQm ;+:yfsf] ljlgoddf art kl/rfng tyf C0f sf/f]jf/ ug]{ pNn]v ePdf pQm ;+:yfnfO{
shf{ nufgL ug{ ;lsg] 5}g .
7. ;+3Lo ;/sf/jf6 ;f]xL Joj;fosf nflu Jofh cg'bfg kfPsf C0fLnfO{ o; k|f]8\S6 k]k/ cg';f/sf]
shf{ nufgL ug{ ;lsg] 5}g .
8. o; k|f]8'S6 k]k/ cg';f/ shf{ :jLs[lt ug'{ cl3 clgjfo{?kdf shf{ ;"rgf s]Gb|af6 ;fv ;"rgf lng'
kg]{5 .
9. o; k|f]8'S6 k]k/ cg';f/ shf{ k|jfx ePsf] hlt;'s} /sd ePtf klg g]kfn /fi6« a}+ssf] lgb]{zg
cg';f/ shf{ ;"rgf s]Gb|df tf]lsPsf] ;do leq clgjfo{?kdf shf{sf] ljj/0f cBfjlws ug'{ kg]{5 .
10. o; k|f]8\S6 k]k/sf] Jofh b/ lgwf{/0f tyf Jofh cg'bfg Joj:yfkg n'lDjgL k|b]z ;/sf/ cGtu{t
e"ld Joj:yf, s[lif tyf ;xsf/L dGqfnon] hf/L u/]sf] æz'ne shf{ ;xhLs/0f tyf Jofhdf cg'bfg
sfo{qmd ;+rfng sfo{ljlw, @)&^Æ tyf o; a}+sn] pQm dGqfno;Fu u/]sf] ;Demf}tf adf]lhd sfod
ug'{ kg]{5 .
11. n'lDagL k|b]z ;/sf/ cGtu{t e"ld Joj:yf, s[lif tyf ;xsf/L dGqfnon] hf/L u/]sf] æz'ne shf{
;xhLs/0f tyf Jofhdf cg'bfg sfo{s|d ;+rfng sfo{ljlw, @)&^Æ n] dfl;s, q}dfl;s /

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 185

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

jflif{s?kdf dfu u/] adf]lhd lglb{i6 9fFrfdf k|b]z sfof{no g]kfnuGhn] dftxtsf sfof{nox?sf]
k|ult ljj/0f sDkfon u/L k|b]z sfof{no e}/xjfdf k7fpg] / e}/xjfn] cfˆgf] dftxtsf
sfof{nox?sf] / k|b]z sfof{no g]kfnuGhsf] ;d]t sDkfon u/L lgwf{l/t ;dodf dGqfno /
;DalGwt ljefudf k7fpg' kg]{5 .
12. o; k|f]8\S6 k]k/df :ki6 gePsf jf aflemPsf] xsdf a}+ssf] k|rlnt shf{ gLlt tyf sfo{ljlw,
n'lDagL k|b]z ;/sf/ cGtu{t e"ld Joj:yf, s[lif tyf ;xsf/L dGqfnon] hf/L u/]sf] æz'ne shf{
;xhLs/0f tyf Jofhdf cg'bfg sfo{qmd ;+rfng sfo{ljlw, @)&^Æ tyf g]kfn /fi6« a}+ssf] lgb]{zg
adf]lhd x'g]5 .

]343

343 ;+rfns ;ldltsf] ldlt @)&&.!).#) sf] lg0f{oaf6 yk

186 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[%!=Joj;flos s[lif tyf kz'kG5Lkfngsf nflu ;x'lnotk"0f{ shf{ -s0ff{nL k|b]zsf] nflu_
shf{ u|fxs s0ff{nL k|b]z cGt/utsf shf{ kfpg of]Uo g]kfnL gful/s jf ;DalGwt lgsfodf
btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpg of]Uo JolQmut kmd{÷;fem]bf/L
kmd{÷sDkgL÷;d'x÷;+3;+:yf .
t/sf/L pTkfbg, k|zf]wg, e08f/0f tyf laqmL ljt/0f, aLp lahg, la?jf pTkfbg,
k|zf]wg, e08f/0f tyf laqmL ljt/0f, k'ik Joj;fo, kz'kG5Lkfng, cli6«r, 6sL{ /
xfF;kfng, ;f]sf] df;' Pj+ c08fsf] e08f/0f, k|zf]wg tyf laqmL ljt/0f, kmnkm'n
pTkfbg, pTkflbt kmnkm'nsf] k|zf]wg, e08f/0f / laqmL ljt/0f, b'Uw pTkfbg,
k|zf]wg / laqmL ljt/0f, dT:okfng, pTkflbt df5fsf] e08f/0f tyf laqmL ljt/0f,
Rofp pTkfbg, k|zf]wg, e08f/0f tyf laqmL ljt/0f, kz'jwzfnf, jw:yn,
df;'hGo pTkfbg, ;f]sf] e08f/0f, k|zf]wg tyf laqmL ljt/0f, lzt e08f/0f tyf
shf{ k||of]hg
laqmL ljt/0f, pv', skmL, lrof, cn}rL, cb'jf, a];f/, h}t'g, ;"o{d'vL, cNnf], nf]Qmf
v]tL tyf logLx?sf] e08f/0f, k|zf]wg / laqmL ljt/0f, df}/Lkfng Joj;fo, hf},
kmfk/, l;nfd tyf cGo /}yfg] jfnL pTkfbg, k|zf]wg / laqmL ljt/0f, k|fËfl/s
dn, h}ljs dn, h}ljs ljiffbL, kz'kG5LhGo bfgf pBf]u, rNnf pTkfbg ug]{
Xofr/L, skf;, pmg, /]zd v]tL÷pTkfbg, k|zf]wg / laqmL ljt/0f, e]8f, Rofªu|f /
rf}/L nufotaf6 pmgsf] pTkfbg, k|zf]wg / laqmL ljt/0f tyf k|b]z ;/sf/n]
;do ;dodf yk u/]sf] cGo s[lif tyf kz'kG5LhGo Joj;fox?sf] nflu .
cfjlws shf{ Non Revolving k|s[ltsf] x'g] .
shf{sf] k|s[lt
;+rfng kF"hL shf{ Revolving k|s[ltsf] x'g] .
shf{sf] cjlw cfjlws shf{ kl/of]hgfsf] k|s[lt cg';f/ clwstd !) jif{;Dd .
;+rfng k"FhL shf{ ! jif{sf] x'g]5 .
shf{ u|fxssf] k|rlnt shf{ sfo{ljlwn] tf]s] adf]lhd x'g]5 .
Go'gtd of]Uotf
shf{sf] clwstd clwstd ?=! s/f]8;Dd dfq x'g]5 .
;Ldf
lwtf] k|fylds a}+snfO{ :jLsf/ of]Uo 3/÷hUuf
;'/If0f
;xfos JolQmut hdfgt÷;fd"lxs hdfgL
cfjlws shf{ kl/of]hgfsf] :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos kg]{
l:y/ k"FhL /sdsf] clwstd &) k|ltzt;Dd jf a}+sn] ;do
shf{ k|bfg ug]{ ;dodf tf]s] adf]lhd .
cfwf/
;+rfng k"FhL shf{ kl/of]hgfsf] nflu cfjZos ;+rfng k"FhL /sdsf] clwstd
*) k|ltzt;Dd jf a}+sn] ;do ;dodf tf]s] adf]lhd .
shf{sf] ls:tf cfjlws shf{ dfl;s÷q}dfl;s÷cw{jflif{s÷jflif{s÷EMI
e'QmfgL
cfjlws shf{ gjLs/0f ug{ g;lsg] .
shf{ gjLs/0f
;+rfng k"FhL shf{ gjLs/0f ug{ ;lsg] .
Jofhb/ / e'QmfgL s0ff{nL k|b]z ;/sf/ cGt/ut e"ld Joj:yf, s[lif tyf ;xsf/L dGqfnon] hf/L
u/]sf] æJoj;flos s[lif tyf kz'kG5Lkfng Joj;fosf] nflu Jofh cg'bfg
sfo{qmd sfo{ljlw, @)&^Æ / pQm dGqfno;Fu o; a}+sn] u/]sf] ;Demf}tf adf]lhd
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 187
 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ sfod x'g]5 . Jofh dfl;s?kdf
a'emfpg' kg]{5 .
;]jf z'Ns ;]jf z'Ns lng kfOg] 5}g .
cGo z'Ns shf{ ;"rgf z'Ns u|fxsn] a'emfpg' kg]{5 .
aLdf ;DaGwL kl/of]hgfdf ePsf :yL/ ;DklQ, :6s tyf lwtf]df /xg] 3/, ;]8, 6x/f /
Joj:yf d]l;g/Lx?sf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{?kdf x'g' kg]{5 .
-!_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{' kg]{5 .
shf{sf] cg'udg -@_ shf{ /sdsf] ;b'kof]lutf eP÷gePsf] lgoldt cg'udg ug{' kg]{5 .
-#_ kl/of]hgf ;'rf? ?kdf ;+rfng eP÷gePsf] lgoldt cg'udg ug{' kg]{5 .
shf{ c;"nL ;DaGWfL shf{ lg:s[o ePdf jf shf{sf] b'?kof]u ePdf k|rlnt shf{ c;'nL ;DaGWfL
Joj:yf sfo{ljlw jdf]lhd shf{ c;'nL sf/jfxL ug'{ kg]{5 .
yk Joj:yfM
1. of] k|f]8\S6 o; a}+ssf] s0ff{nL k|b]z cGtu{tsf sfof{nox?df dfq nfu' x'g]5 .
@= s0ff{nL k|b]z leq :yfoL a;f]af; ug]{ JolQmn] s0ff{nL k|b]z leq ;+rfng ug]{ Joj;fosf nflu dfq
o; k|f]8\S6 k]k/df pNn]v eP adf]lhd shf{ nufgL ug'{ kg]{5 .
#= ;+:yf jf sDkgLsf] xsdf g]kfnL gful/ssf] ztk|ltzt z]o/ :jfldTj /x]sf] x'g' kg]{5 .
$= shf{ nufgL ;xhLs/0f u/] jfkt ;+rfng vr{ :j?k o; k|f]8\S6 k]k/ cg';f/ k|jfx ePsf] s"n
shf{sf] ! -Ps_ k|ltztsf b/n] o; a}+ssf] ;DalGwt k|b]z sfof{non] dGqfno;Fu q}dfl;s?kdf
pQm /sd dfu ug'{ kg]{5 .
%= ;d'xnfO{ shf{ k|bfg ubf{ b]xfo jdf]lhd ug'{kg]{5 .
-s_ u7g ePsf] ;d'xdf km/s÷km/s kl/jf/sf !* jif{ pd]/ k'/f ePsf sDtLdf % -kfFr_ hgf ;b:o
x'g' kg]{5 .
-v_ ;d'x g]kfn ;/sf/sf] cflwsfl/s lgsfodf btf{ ePsf] x'g' kg]{5 .
-u_ ;d'xsf] :yfoL n]vf gDa/ (PAN) x'g' kg]{5 .
-3_ Ps ;d'xnfO{ clwstd ?=!) nfv;Dd dfq Joj;flos s[lif tyf kz'kG5L shf{ k|jfx ug{ ;lsg]
5.
-ª_ ;d'xdf ePsf ;Dk"0f{ ;b:ox?sf] a}+sn] tf]s] adf]lhd lglb{i6 kmd]{6df clgjfo{?kdf ;fd'lxs
hdfgL lng' kg]{5 .
-r_ ;d'x ;+rfng ;DaGwL ;ldltsf kbflwsf/Lx?sf] clgjfo{?kdf JolQmut hdfgt ;d]t lng' kg]{5 .
-5_ ;d'xdf cfj4 ;Dk"0f{ ;b:ox?sf] jf s'g} Ps ;b:osf] gfddf btf{ ePsf] a}+snfO{ :jLsf/ of]Uo
x'g] hUuf tyf 3/ lwtf] :j?k lng' kg]{5 .

^= shf{ nufgL ubf{ k|of]u x'g] cg';"rLx? k|rlnt shf{ sfo{ljlwn] tf]s] adf]lhd k|of]u ug'{kg]{5 .
&= Joj;fosf] k|s[lt / gub k|jfxsf cfwf/df clwstd !) jif{;Dd cfjlws shf{sf] e'QmfgL cjlw
sfod ug{ ;lsg] 5 . k|b]z ;/sf/n] pknAw u/fpg] Jofh cg'bfg cjlw ;dfKt eP kZrft Jofhb/
tyf cGo z'Ns ;DjGwdf a}+sn] ;do ;dodf tf]s] jdf]lhd x'g]5 . ;f] ;DaGwL shf{ cfj]bsaf6
sj'n u/fO{ :j3f]if0ff lng' kg]{5 .
*= ljifout ;xsf/L ;+:yfsf] ljlgoddf s[lif pTkfbg, kz'kG5Lkfng jf s[lif pkhsf] k|zf]wg jf
e08f/0f jf laqmL ljt/0f ug]{ p2]Zo pNn]v ePdf o; k|f]8\S6 cg';f/ shf{ nufgL ug{ ;lsg] 5 .
t/ pQm ;+:yfsf] ljlgoddf art kl/rfng tyf C0f sf/f]jf/ ug]{ p2]Zo pNn]v ePdf pQm
;+:yfnfO{ shf{ nufgL ug{ ;lsg] 5}g .
(= ;+3Lo ;/sf/jf6 ;f]xL Joj;fosf nflu Jofh cg'bfg kfPsf C0fLnfO{ o; k|f]8\S6 k]k/ cg';f/sf]
shf{ nufgL ug{ ;lsg] 5}g . ;f] ;DaGwdf shf{ cfj]bsaf6 :j3f]if0ff lng' kg]{5 .

188 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

!)= o; k|f]8'S6 k]k/ cg';f/ shf{ :jLs[lt ug'{ cl3 clgjfo{?kdf shf{ ;"rgf s]Gb|af6 ;fv ;"rgf lng'
kg]{5 .
!!= o; k|f]8'S6 k]k/ cg';f/ shf{ k|jfx ePsf] hlt;'s} /sd ePtf klg g]kfn /fi6« a}+ssf] lgb]{zg
cg';f/ shf{ ;"rgf s]Gb|df tf]lsPsf] ;do leq clgjfo{?kdf shf{sf] ljj/0f cBfjlws ug'{ kg]{5 .
!@= o; k|f]8\S6 k]k/sf] Jofh b/ lgwf{/0f tyf Jofh cg'bfg Joj:yfkg s0ff{nL k|b]z ;/sf/ cGtu{t
e"ld Joj:yf, s[lif tyf ;xsf/L dGqfnon] hf/L u/]sf] æJoj;flos s[lif tyf kz'kG5Lkfng
Joj;fosf] nflu Jofh cg'bfg sfo{qmd sfo{ljlw, @)&^Æ tyf o; a}+sn] pQm dGqfno;Fu u/]sf]
;Demf}tf adf]lhd ug'{ kg]{5 .
!#= e"ld Joj:yf, s[lif tyf ;xsf/L dGqfno s0ff{nL k|b]zn] hf/L u/]sf] æJoj;flos s[lif tyf
kz'kG5Lkfng Joj;fosf] nflu Jofh cg'bfg sfo{qmd sfo{ljlw, @)&^Æ n] tf]ss ] f] 9fFrfdf s0ff{nL
k|b]z sfof{no ;'v]{tn] lgwf{l/t ;dodf pQm shf{sf] ljj/0f dGqfnodf k7fpg' kg]{5 . ;fy} dfl;s
k|ult ljj/0f ;DalGwt ljefudf k7fpg' kg]{5 .
!$= o; k|f]8\S6 k]k/df :ki6 gePsf jf aflemPsf] xsdf a}+ssf] k|rlnt shf{ gLlt tyf sfo{ljlw,
s0ff{nL k|b]z ;/sf/ cGtu{t e"ld Joj:yf, s[lif tyf ;xsf/L dGqfnon] hf/L u/]sf] æJoj;flos s[lif
tyf kz'kG5Lkfng Joj;fosf] nflu Jofh cg'bfg sfo{qmd sfo{ljlw, @)&^Æ tyf g]kfn /fi6« a}+ssf]
lgb]{zg adf]lhd x'g5] .

]344

344 ;+rfns ;ldltsf] ldlt @)&&.!).#) sf] lg0f{oaf6 yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 189

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[%@= s[lif tyf kz'kG5Lkfngsf nflu ;x'lnot shf{ -;'b"/klZrd k|b]zsf nflu dfq_
shf{ u|fxs ;'b"/klZrd k|b]z cGt/utsf shf{ kfpg of]Uo g]kfnL gful/s jf ;DalGwt
lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf shf{ kfpg of]Uo JolQmut
kmd{÷;fem]bf/L kmd{÷sDkgL÷;+:yf÷;d'x .
shf{ k||of]hg cGg, t/sf/L, kmnkm"n, t]nxg, bnxg, d;nf jfnL -cn}+rL, cb'jf, a];f/,
bfnlrgL cflb_, h8La'6L, pv', Rofp, k'ik v]tL, /]zd v]tL, dfx'/Lkfng,
kz'kG5Lkfng, dT:okfng cflbsf] pTkfbg, ;+sng, k|zf]wg, e08f/0f tyf
ahf/Ls/0f cflb sfo{ ug{sf] nflu . ;fy} ;'b"/klZrd k|b]z ;/sf/ cGtu{t e"ld
Joj:yf, s[lif tyf ;xsf/L dGqfnon] hf/L u/]sf] æs[lif tyf kz'kG5L Joj;fodf
cg'bfg kl/rfng sfo{ljlw, @)&&Æ n] ;do ;dodf tf]s] jdf]lhd x'g]5 .
shf{sf] k|sl[ t cfjlws shf{ Non Revolving k|s[ltsf] x'g] .
;+rfng kF"hL shf{ Revolving k|s[ltsf] x'g] .
shf{sf] cjlw cfjlws shf{ kl/of]hgfsf] k|s[lt cg';f/ clwstd !) jif{;Dd .
;+rfng k"hF L shf{ ! jif{sf] x'g]5 .
shf{ u|fxssf] k|rlnt shf{ sfo{ljlwn] tf]s] adf]lhd x'g]5 .
Go'gtd of]Uotf
shf{sf] clwstd clwstd ?=%) nfv;Dd dfq x'g]5 .
;Ldf
lwtf] k|fylds a}+snfO{ :jLsf/ of]Uo 3/÷hUuf
;'/If0f ;xfos JolQmut hdfgt÷;fd"lxs hdfgL
shf{ k|bfg ug]{ cfjlws shf{ kl/of]hgfsf] :yfkgf÷ljsf;÷lj:tf/sf] nflu cfjZos
cfwf/ kg]{ l:y/ k"FhL /sdsf] clwstd &) k|ltzt;Dd jf
a}+sn] ;do ;dodf tf]s] adf]lhd x'g]5 .
;+rfng k"FhL shf{ kl/of]hgfsf] nflu cfjZos ;+rfng k"FhL /sdsf]
clwstd *) k|ltzt;Dd jf a}+sn] ;do ;dodf tf]s]
adf]lhd x'g]5 .
shf{sf] ls:tf cfjlws shf{ dfl;s÷q}dfl;s÷cw{jflif{s÷jflif{s÷EMI
e'QmfgL
shf{ gjLs/0f cfjlws shf{ gjLs/0f ug{ g;lsg] .
;+rfng k"FhL shf{ gjLs/0f ug{ ;lsg] .
Jofhb/ / e'QmfgL a}+sn] ;do ;dodf tf]s] cg';f/sf] Jofhb/ x'g]5 . Jofh dfl;s?kdf a'emfpg'
kg]{5 .
;]jfz'Ns ;]jf z'Ns lng kfOg] 5}g .
cGoz'Ns shf{ ;"rgf z'Ns u|fxsn] a'emfpg' kg]{5 .
aLdf ;DaGwL kl/of]hgfdf ePsf :yL/ ;DklQ, :6s tyf lwtf]df /xg] 3/, ;]]8, 6x/f / ldn
Joj:yf d]l;g/Lx?sf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ ?kdf x'g' kg]{5 .
shf{sf] cg'udg -!_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{' kg]{5 .
-@_ shf{ /sdsf] ;b'kof]lutf eP÷gePsf] lgoldt cg'udg ug{' kg]{5 .
-#_ kl/of]hgf ;'rf? ?kdf ;+rfng eP÷gePsf] lgoldt cg'udg ug{' kg]{5 .
shf{ c;"nL ;DaGWfL shf{ lg:s[o ePdf jf shf{sf] b'?kof]u ePdf a}+ssf] k|rlnt shf{ c;'nL ;DaGWfL
Joj:yf sfo{ljlw jdf]lhd shf{ c;'nL sf/jfxL ug'{ kg]{5 .
ykJoj:yfM
1. of] k|f]8\S6 o; a}+ssf] ;'b"/klZrd k|b]z cGtu{tsf sfof{nox?df dfq nfu" x'g]5 .

190 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

@= ;+:yf jf sDkgLsf] xsdf g]kfnL gful/ssf] ztk|ltzt z]o/ :jfldTj /x]sf] x'g' kg]{5 .
#= ;'b"/klZrd k|b]z leq ;+rfng ug]{ Joj;fosf nflu dfq o; k|f]8\S6 k]k/df pNn]v eP adf]lhd
shf{ nufgL ug'{ kg]{5 .
$= ;d'xnfO{ shf{ k|bfg ubf{ b]xfo jdf]lhd ug'{ kg]{5 .
-s_ u7g ePsf] ;d'xdf km/s÷km/s kl/jf/sf !* jif{ pd]/ k'/f ePsf sDtLdf % -kfFr_ hgf
;b:o x'g' kg]{5 .
-v_ ;d'x g]kfn ;/sf/sf] cflwsfl/s lgsfodf btf{ ePsf] x'g' kg]{5 .
-u_ ;d'xsf] :yfoL n]vf gDa/ (PAN) x'g' kg]{5 .
-3_ Ps ;d'xnfO{ clwstd ?=!) nfv;Dd dfq Joj;flos s[lif tyf kz'kG5L shf{ k|jfx ug{
;lsg] 5 .
-ª_ ;d'xdf ePsf ;Dk"0f{ ;b:ox?sf] a}+sn] tf]s] adf]lhd lglb{i6 kmd]{6df clgjfo{?kdf ;fd'lxs
hdfgL lng' kg]{5 .
-r_ ;d'x ;+rfng ;DaGwL ;ldltsf kbflwsf/Lx?sf] clgjfo{?kdf JolQmut hdfgt ;d]t lng'
kg]{5 .
-5_ ;d'xdf cfj4 ;Dk"0f{ ;b:ox?sf] jf s'g} Ps ;b:osf] gfddf btf{ ePsf] a}s + nfO{ :jLsf/
of]Uo x'g] hUuf tyf 3/ lwtf] :j?k lng' kg]{5 .
%= shf{ nufgL ubf{ k|of]u x'g] cg';"rLx? a}+ssf] k|rlnt shf{ sfo{ljlwn] tf]s] adf]lhd k|of]u ug'{
kg]{5 .
^=Joj;fosf] k|s[lt / gub k|jfxsf cfwf/df clwstd % jif{;Dd cfjlws shf{sf] e'QmfgL sfo{qmd
sfod ug{ ;lsg] 5 .
&=;+3Lo ;/sf/jf6 ;f]xL Joj;fosf nflu Jofh cg'bfg kfPsf C0fLnfO{ o; k|f]8\S6 k]k/ cg';f/sf]
shf{ nufgL ug{ ;lsg] 5}g .
*= o; k|f]8\S6 k]k/ cg';f/ shf{ :jLs[lt ug'{ cl3 clgjfo{?kdf shf{ ;"rgf s]Gb|af6 ;fv ;"rgf
lng' kg]{5 .
(= o; k|f]8\S6 k]k/ cg';f/ shf{ k|jfx ePsf] hlt;'s} /sd ePtfklg g]kfn /fi6« a}+ssf] lgb]{zg
cg';f/ shf{ ;"rgf s]Gb|df tf]lsPsf] ;do leq clgjfo{?kdf shf{sf] ljj/0f cBfjlws ug'{
kg]{5 .
!)= o; k|f]8\S6 k]k/sf] Jofh b/ lgwf{/0f tyf Jofh cg'bfg Joj:yfkg ;'b"/klZrd k|b]z ;/sf/
cGtu{t e"ld Joj:yf, s[lif tyf ;xsf/L dGqfnon] hf/L u/]sf] æs[lif tyf kz'kG5Lkfng
Joj;fodf cg'bfg kl/rfng sfo{ljlw, @)&&Æ tyf o; a}+sn] pQm dGqfno;Fu u/]sf] ;Demf}tf
adf]lhd sfod ug'{ kg]{5 .
!!= ;'b"/klZrd k|b]z ;/sf/ cGtu{t e"ld Joj:yf, s[lif tyf ;xsf/L dGqfnon] hf/L u/]sf] æs[lif
tyf kz'kG5Lkfng Joj;fodf cg'bfg kl/rfng sfo{ljlw, @)&&Æ n] dfl;s, q}dfl;s /
jflif{s?kdf dfu u/] adf]lhd lglb{i6 9fFrfdf lgwf{l/t ;dodf dGqfno / ;DalGwt ljefudf
k7fpg' kg]{5 .
!@=o; k|f]8\S6 k]k/df :ki6 gePsf jf aflemPsf] xsdf a}+ssf] k|rlnt shf{ gLlt tyf sfo{ljlw,
;'b"/klZrd k|b]z ;/sf/ cGtu{t e"ld Joj:yf, s[lif tyf ;xsf/L dGqfnon] hf/L u/]sf] æs[lif
tyf kz'kG5Lkfng Joj;fodf cg'bfg kl/rfng sfo{ljlw, @)&&Æ tyf g]kfn /fi6« a}+ssf] lgb]{zg
adf]lhd x'g]5 .

]345
345 ;+rfns ;ldltsf] ldlt @)&&.!).#) sf] lg0f{oaf6 yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 191

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[%#= Joj;fo hLjg /Iff shf{ -u08sL k|b]zsf nflu dfq_
shf{ u|fxs u08sL k|b]z cGtu{t shf{ kfpgof]Uo g]kfnL gful/s jf ;DalGwt lgsfodf btf{ eO{
lgoldt gjLs/0f ePsf shf{ kfpgof]Uo JolQmut kmd{÷;fem]bf/L kmd{÷sDkgL÷;d'x .
shf{ k||of]hg n3', 3/]n' tyf ;fgf pBd Joj;fo, ;fgf ko{6g Joj;fo, ;fgf oftfoft Joj;fo /
;fgf ;]jf Joj;fo ug{sf] nflu .
shf{sf] k|sl[ t cfjlws shf{ Non Revolving k|s[ltsf] x'g] .
shf{sf] cjlw clwstd !) jif{ .
shf{sf] pk–zLif{s shf{sf] clwstd shf{sf] Go"gtd
;Ldf ;Ldf
-s_ n3' 3/]n' tyf ;fgf pBd Joj;fo ?=!% nfv;Dd ?=! nfv
shf{sf] shf{
clwstd ;Ldf -v_ ;fgf ko{6g Joj;fo shf{ ?=!% nfv;Dd ?=! nfv
-u_ ;fgf oftfoft Joj;fo shf{ ?=!) nfv;Dd ?=%) xhf/

-3_ ;fgf ;]jf Joj;fo shf{ ?=!) nfv;Dd ?=%) xhf/

shf{ k|bfg ug]{ kl/of]hgfnfO{ cfjZos kg]{ s"n k"FhL /sdsf] clwstd &) k|ltzt;Dd shf{ nufgL
cfwf/ ug{ ;lsg]5 . shf{ tyf :jnfut cg'kft a}+sn] ;do ;dodf tf]s] adf]lhd x'g]5 .
lwtf] k|fylds 3/ hUuf tyf kl/of]hgf
;'/If0f ;xfos JolQmut hdfgt÷;fd"lxs hdfgL
Jofhb/ u08sL k|b]z ;/sf/n] hf/L u/]sf] æJoj;fo hLjg /Iff sf]if -;+rfng_ sfo{ljlw, @)&&Æ
/ pQm k|b]z ;/sf/;Fu o; a}+sn] u/]sf] ;Demf}tf adf]lhd a}+sn] ;do ;dodf tf]s]
cg';f/sf] Jofhb/ sfod x'g]5 .
shf{sf] ls:tf dfl;s÷q}dfl;s÷cw{jflif{s÷jflif{s÷EMI
e'QmfgL
Jofh a'emfpg] Jofh dfl;s÷q}dfl;s ?kdf a'emfpg' kg]{5 .
;do
;]jf z'Ns ;]jf z'Ns lng kfOg] 5}g .
cGo z'Ns shf{ ;"rgf z'Ns lgodfg';f/ lng' kg]{5 .
shf{ ;'/If0f k|jfx ul/g] shf{ lgIf]k tyf shf{ ;'/If0f sf]ifaf6 ;'/If0f u/fpg' kg]{5 . shf{ ;'/If0f
afktsf] z'Ns /sd g]kfn /fi6« a}+s kf]v/f zfvfaf6 ;f]wegf{ dfu ug'{ kg]{5 .
kl/of]hgfdf ePsf :yL/ ;DklQ, :6s tyf lwtf]df /xg] 3/, ;]]8, 6x/f / ldn
aLdf ;DaGwL
d]l;g/Lx?sf] a}+s a]lglkml;o/L x'g] u/L aLdf clgjfo{ ?kdf x'g' kg]{5 .

-!_ shf{sf zt{x?sf] kfngf eP÷gePsf] cg'udg ug{' kg]{5 .

shf{sf] cg'udg
-@_ shf{ /sdsf] ;b'kof]lutf eP÷gePsf] lgoldt cg'udg ug{' kg]{5 .
-#_ kl/of]hgf ;'rf? ?kdf ;+rfng eP÷gePsf] lgoldt cg'udg ug{' kg]{5 .
shf{ c;"nL shf{ lgis[o ju{df k/]df jf shf{sf] b'?kof]u ePdf k|rlnt shf{ c;"nL ;DaGWfL

192 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

;DaGWfL Joj:yf sfo{ljlw adf]lhd shf{ c;"nL sf/jfxL ug'{ kg]{5 .
yk Joj:yfM
!= n3', 3/]n' tyf ;fgf pBd Joj;fo cGt/ut x:tsnf, lrqsnf, Pjd\ ;f}uftsf ;fdfg agfpg] pBf]u,
k/Dk/fut wft'sf d"lt{ agfpg] pBf]u, :yfgLo s[lif pTkfbgdf cfwfl/t h';, crf/, dx, ;; cflb
pTkfbg ug]{ pBf]u, b'Uw kbfy{ k|zf]wg u/L lrh, l3p, dvg, 5'kL{ cflb pTkfbg ug]{ pBf]u, 3/]n' xft]
tfg cflb k|of]u u/L sk8f a'Gg] tyf xf]lhof/L pBf]u, 9fsf pBf]u, a'l6s Joj;fo, h'Qf, rKkn, kf]t] a'Gg],
emf]nf, k;{, cNNff] k|zf]wg ug]{, u'l8of, cu/aQL, rfpldg, hfd, h]nL, lrK;, kfk8 cflb agfpg] pBf]u,
a]t, afF;, lgufnf], k/fn, uFx'sf] gn, aflaof], ds}sf] e'Tnf, s]/fsf] /];f cflb k|of]u u/L Xofl08qmfˆ6
;DaGwL a:t'x? pTkfbg ug]{ pBf]u, :yfgLo h8La'6Lx? h:t}M gLd, t'n;L, Pnf]e]/f cflb k|zf]wg u/L
;f}Gbo{sf kbfy{ pTkfbg ug]{ ;fgf pBf]u, s'v'/fkfng, kz'kG5L, df}/Lkfng, dT:okfng, tof/L kf]zfs,
x:tsnf tyf ;Lkd"ns Joj;fo, g;{/L, ag tyf vlgh pBf]u, d"ne"t ?kdf ;8]/ un]/ hfg] j:t' h:t}M
t/sf/L, kmnkm"n, k'ik, df5fdf;', bfgf, b'w tyf b'UwhGo pTkfbg, c08f cflb pTkfbg tyf laqmL ljt/0f,
:yfgLo vfB j:t' pTkfbg k|zf]wg, e08f/0f tyf laqmL ljt/0f tyf k|b]z ;/sf/n] ;do;dodf yk u/]sf
cGo n3', 3/]n' tyf ;fgf pBd Joj;fox? ;d]t kb{5g\ .
@= ;fgf ko{6g Joj;fo cGt{ut 6«fen Ph]G;L tyf 6«]lsË Joj;fo, kj{tf/f]x0f, ¥oflˆ6Ë, SoflDkË, 6'/
ck/]6/, ;fxl;s ko{6g h:t}M aGhL hlDkË, lhk ˆnfo/, Sofgf]lgª, /s SnfOlDaË, Kof/fUnfOl8Ë,
cN6«fnfO6, l:sOË, UnfOl8Ë, x6 Po/ Jofn'lgË, 3f]8r9L, ;fgf xf]6n, xf]d–:6], /]i6'/]06 tyf af/, uhn
bf]x/L ;fFem h:tf ;f+:s[lts dgf]/~hg lbg] Joj;fo, O{Da|fO8/L tyf ufd{]G6, 6«]lsË ;fdfgx? laqmL ug]{
k;n, ko{6sLo lstfj k;nx?, 8'+uf Joj;fo, kf6L{ Kofn]; tyf Sof6l/Ë Joj;fo, lxlnË ;]G6/, d;fh
:kf cflb Joj;fo tyf k|b]z ;/sf/n] ;do ;dodf tf]s]sf cGo ;fgf ko{6g Joj;fox? ;d]t kb{5g\ .
#= ;fgf oftfoft Joj;fo cGtu{t 6\ofS;L Joj;fo, a;÷6«s÷ldlg a;÷dfOqmf] a;, hLk÷Eofg, 6«ofS6/,
c6f] l/S;f, l/S;f tyf k|b]z ;/sf/n] ;do;dodf tf]s]sf cGo ;fgf oftfoft Joj;fox? ;d]t kb{5g\ .
$= ;]jf d"ns Joj;fo cGtu{t oflGqs sfo{zfnf js{;k, Ao"6Lkfn{/÷x]o/ sl6Ë Joj;fo, 5fkfvfgf tyf
5kfO{ ;DaGwL ;]jf, l;nfO{ a'gfO{, l;g]df xn, 8«fO{lslnË Joj;fo, Jofofdzfn -hLdvfgf_, gLlh laBfno,
;+rf/ u[x, lgdf{0f Joj;fo, z}lIfs ;fdfu|Lsf] sf/f]jf/ ug]{ Joj;fo tyf k|b]z ;/sf/n] ;do ;dodf yk
u/]sf cGo ;]jf d"ns Joj;fox? ;d]t kb{5g\ .
%= of] k|f]8S6 o; a}+ssf] u08sL k|b]z cGtu{tsf sfof{nox?df dfq nfu' x'g]5 .
^= o; sfo{ljlw adf]lhd nufgL x'g] shf{x?sf nflu clgjfo{ ?kdf a}+snfO{ :jLsf/of]Uo lwtf] lng' kg]{5 .
&= :yfgLo tx, k|b]z ;/sf/ jf ;+3Lo ;/sf/sf] cGo s'g} ;x'lnotk"0f{ C0f jf ;'ljwf lnPsf JolQm jf
;+:yfnfO{ bf]xf]/f] ;'ljwf kfpg] u/L shf{ nufgL ug{ kfOg] 5}g . ;f] ;DaGwdf u|fxsjf6 :j3f]if0ff lng'kg]{5
.
*= ;d'xnfO{ shf{ k|bfg ubf{ b]xfo adf]lhd ug'{ kg]{5 .
-s_ u7g ePsf] ;d'xdf km/s÷km/s kl/jf/sf !* jif{ pd]/ k'/f ePsf sDtLdf % -kfFr_ hgf ;b:o
x'g' kg]{5 .
-v_ ;d'x g]kfn ;/sf/sf] cflwsfl/s lgsfodf btf{ ePsf] x'g' kg]{5 .
-u_ ;d"xsf] :yfoL n]vf gDa/ (PAN) x'g' kg]{5 .
-3_ ;d"xdf ePsf ;Dk"0f{ ;b:ox?sf] a}+sn] tf]s] adf]lhd lglb{i6 kmd]{6df clgjfo{?kdf ;fd"lxs

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 193

 s[lif ljsf; a}+s ln= cg';"rL – !

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

hdfgL lng' kg]{5 .
-ª_ ;d"x ;+rfng ;DaGwL ;ldltsf kbflwsf/Lx?sf] clgjfo{ ?kdf JolQmut hdfgt ;d]t lng' kg]{5 .
-5_ ;d"xdf cfj4 ;Dk"0f{ ;b:ox?sf] jf s'g} Ps ;b:osf] gfddf btf{ ePsf] a}+snfO{ :jLsf/of]Uo x'g]
hUuf tyf 3/ lwtf] :j?k lng' kg]{5 .
(= shf{ cfj]bg lbg] ldlt;Dd pBd Joj;fo :yfkgf ePsf] sDtLdf ! jif{ k'/f ePsf] xg' kg]{5 . pBd
Joj;fo btf{ gu/L ! jif{ eGbf cufl8b]lv ;+rfngdf /x]sf] pBf]u Joj;fo ePdf ;f]sf] k'i6fofO{ ug]{
:yfgLo txsf] l;kmfl/; lng' kg]{5 .
!)= jflif{s sf/f]jf/ ?=%) nfv eGbf a9L sf/f]jf/÷laqmL ug]{ pBdL tyf Joj;foLnfO{ u08sL k|b]z
;/sf/n] hf/L u/]sf] æJoj;fo hLjg /Iff sf]if -;+rfng_ sfo{ljlw, @)&&Æ cGtu{tsf] shf{ nufgL ul/g]
5}g . jflif{s sf/f]jf/÷laqmL /sd ?=%) nfv eGbf sd ePsf] :j3f]if0ff lng' kg]{5 .
!!= u08sL k|b]z ;/sf/n] hf/L u/]sf] æJoj;fo hLjg /Iff sf]if -;+rfng_ sfo{ljlw, @)&&Æ / a}+ssf]
k|rlnt shf{ sfo{ljlw adf]lhd ;Defljt shf{ cfj]bsx?sf] d"Nof+sg u/L g]kfn /fi6« a}+s kf]v/f zfvfaf6
k"j{ :jLs[lt lnP/ dfq shf{ :jLs[t ug'{ kg]{5 .
!@= o; k|f]8S6 k]k/ cGtu{t JolQm÷;d"x÷kmd{÷sDkgLnfO{ Ps k6ssf] nflu dfq shf{ nufgL ug'{ kg]{5 .
!#= Joj;fosf] k|s[lt / gub k|jfxsf cfwf/df clwstd !) jif{;Dd cfjlws shf{sf] e'QmfgL cjlw sfod
ug{ ;lsg] 5 . k|b]z ;/sf/n] pknAw u/fpg] Jofh cg'bfg cjlw # jif{ ePsf]n] ;f] ;dfKt eP kZrft\
a}+sn] tf]s] adf]lhd Jofhb/ sfod x'g]5 . ;f] ;DaGwL shf{ cfj]bsaf6 sa'n u/fO{ :j3f]if0ff lng' kg]{5 .
!$= k|rlnt shf{ sfo{ljlw adf]lhd kl/of]hgfsf] lgoldt cg'udg tyf lg/LIf0f ug'{ kg]{5 . shf{sf]
b'?kof]u u/]df k|rlnt shf{ c;"nL sfo{ljlw adf]lhd sf/jfxL ug'{ kg]{5 .
!%= o; k|f]8S6 k]k/ cg';f/ shf{ :jLs[lt ug'{ cl3 clgjfo{ ?kdf shf{ ;"rgf s]Gb|af6 ;fv ;"rgf lng'
kg]{5 .
!^= o; k|f]8S6 k]k/ cg';f/ shf{ k|jfx ePsf] hlt;'s} /sd ePtf klg g]kfn /fi6« a}+ssf] lgb]{zg cg';f/
shf{ ;"rgf s]Gb|df tf]lsPsf] ;doleq clgjfo{?kdf shf{sf] ljj/0f cBfjlws ug'{ kg]{5 .
!&= u08sL k|b]z ;/sf/n] hf/L u/]sf] æJoj;fo hLjg /Iff sf]if -;+rfng_ sfo{ljlw, @)&&Æ n] tf]s]
adf]lhd dfl;s, q}dfl;s / jflif{s?kdf lglb{i6 9fFrf cg';f/ dftxtsf sfof{nox?sf] k|ult ljj/0f
sDkfon u/L u08sL k|b]z sfof{no, g]kfn /fi6« a}+s kf]v/f zfvf tyf ;DalGwt ljefudf k7fpg' kg]{5 .
!*= o; k|f]8S6 k]k/ cg';f/ shf{ k|jfx ubf{ cfjZos kg]{ kmd]{6 k|rlnt shf{ sfo{ljlwn] tf]s] adf]lhd
x'g]5 .
!(=o; k|f]8S6 k]k/ ;DalGw cGo Joj:yf a}+ssf] k|rlnt shf{ gLlt tyf sfo{ljlw, u08sL k|b]z ;/sf/n]
hf/L u/]sf] æJoj;fo hLjg /Iff sf]if -;+rfng_ sfo{ljlw, @)&&Æ tyf g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd
x'g]5 .

]346

346 ;+rfns ;ldltsf] ldlt @)&*.!@.@# sf] lg0f{oaf6 yk

194 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

==========sfof{no===============
-shf{ sfo{ljlw, @)&# sf] bkmf $ ;Fu ;DalGwt_
a}+sdf klxnf]k6s shf{ dfu ug{ cfpg] ;f]wk'5stf{nfO{ ;f]lwg] k|ZgfjnL
cg';"rL @

!= JolQmut shf{ cfj]bssf] ljj/0fM

gfd y/ 7]ufgf
kmf]g÷df]jfOn g++= gf=k|=g+=/ lhNnf
PAN
xfnsf] k]zf cg'ej
shf{sf] k|of]hg z}lIfs of]Uotf
@= kmd{÷sDkgL shf{ cfj]bssf] ljj/0fM
gfd 7]ufgf
k|f]=÷cWoIfsf] gfd y/ clVtof/k|fKt JolQmsf] gfd y/
;Dks{ g+= btf{ g+=÷btf{ ePsf] lgsfo
PAN VAT g+=
;+rfng ug{ rfx]sf]
sf/f]af/sf] lsl;d
Joj;fo÷kl/of]hgf
jflif{s cg'dflgt ut cf=j=sf] gfkmf÷gf]S;fg ?=
sf/f]af/ /sd ?= -gofFsf] xsdf k|If]lkt_

#= cfˆgf] / cfˆgf] Psf3/ kl/jf/ ;b:ox?sf] cfDbfgL÷vr{sf] ljj/0fM -JolQmut u|fxssf] xsdf dfq_
kl/jf/sf] ;Dk"0f{
qm=;+= gftf ;+nUg k]zf÷;+:yf jflif{s cfo ?= jflif{s vr{ ?=
;b:osf] gfd
! cfˆgf]
@
#
$
%
hDdf ?=
jflif{s art hDdf ?=

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 195

 cg';"rL @
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
$= cfˆgf] / cfˆgf] Psf3/ kl/jf/leqsf] :yfoL ;DklQ ljj/0fM
qm=;+= kl/jf/sf] ;b:ox?sf] gfd gftf 3/ / hUufsf] ljj/0f cg'dflgt d"No ?=
-ljufxf÷/f]kgL_
! cfˆgf]
@
#
$
%
hDdf

%= lwtf]df lbO{g] 3/÷hUufsf] If]qkmn=========================== cg'dflgt d"No ?=========

^= kl/of]hgfsf] cg'dflgt
s"n nfut ? ========== :jnfut ?=======================
cfjZos shf{M ;+rfngtkm{ ?= ============= :yL/tkm{ ?= ============= hDdf ?= =============

&= cGo a}+s tyf ljQLo ;+:yf;Fu ePsf] shf{ jf ;'ljwf sf/f]jf/sf] ljj/0fM
qm=;+= shf{÷;'ljwfsf] ljj/0f shf{sf] juL{s/0f a}+s jf ljQLo
p4]Zo÷k|sf/ :jLs[t ;Ldf nufgLdf /xL/x]sf] ;lqmo lgliqmo ;+:yfsf] gfd /
?= /sd ?= 7]ufgf

*= ;f]wk'5 ug]{ cfj]bs / sd{rf/Lsf] ljj/0fM

shf{ cfj]bssf] gfd y/ ;f]wk'5 ug]{ sd{rf/Lsf] gfd
shf{ cfj]bssf] b:tvt / 5fk
b:tvt

Ldlt kb÷sf]8 g+=

-gf]6M of] kmf/fd z'4;Fu k"0f{?kdf e/L clgjfo{ ?kdf ldl;ndf ;dfj]z ug'{ kg]{5 ._

196 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL #=!
shf{sf nflu lgj]bg lbbf v'nfpg'kg]{ ljj/0fsf] 9fFrf
-shf{ sfo{ljlw, @)&# sf] bkmf @) ;Fu ;DalGwt_
ldltM==================
>L s[lif ljsf; a+}s ln=
========= sfof{{no ========

ljifoM shf{÷;'ljwf sf/f]jf/sf] cj:yfsf] hfgsf/L u/fPsf] jf/] .

dxf]bo,
pk/f]Qm ;DaGwdf d÷xfdLn] b]xfosf a}+s tyf ljQLo ;+:yfsf lgDglnlvt zfvfx?af6 ljleGg p2]Zodf
shf{÷;'ljwf k|of]u ub}{ cfPsf] Joxf]/f cg'/f]w 5 . tn pNn]v ul/PeGbf afx]s cGo a}+s tyf ljQLo ;+:yfx?;Fu
shf{÷;'ljwf sf/f]jf/ gePsf] Joxf]/f cg'/f]w ub{5'÷ub{5f}+ .
shf{sf] Dofb
shf{ lnPsf] cGo a}+s tyf ljQLo ;+:yfsf] gfd aSof}tf /sd -ldlt_
gf3]sf]÷ggf3]sf]
!= =========== a}+s÷ljQLo ;+:yf
rfn' k'FhL shf{
cfjlws shf{
cGo shf{
u}/ sf]ifdf cfwfl/t ;'ljwf
hDdf
@= =========== a}+s÷ljQLo ;+:yf
rfn' k'FhL shf{
cfjlws shf{
cGo shf{
u}/ sf]ifdf cfwfl/t ;'ljwf
hDdf
s'n hDdf
pko{'Qm adf]lhd d÷xfdLn] 3f]if0ff u/sf] ljj/0f 7Ls 5, em'¶f 7x/] sfg"g adf]lhd sf/afxL ePdf d~h"/L 5 egL
;xL ug]{ .

clwsf/ k|fKt clwsf/Lsf] b:tvtM =========

u|fxssf] gfdM ============

u|fxssf] 5fkM =============

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 197

 cg';"rL #=@=!
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

;+rfns ;ldltsf] ldlt @)&*.!@.@% sf] lg0f{oaf6 o; cg';'rL vf/]h ul/Psf]

Request Form for Credit Information Report (Comprehensive) Individual
Bank
Branch
Tel/ Fax No.

Ref No.: Date:

All information fields are Mandatory*
New Loan ( ) Renewal ( ) Restructuring ( ) Rescheduling ( ) Additional Loan ( )
Term Loan ( ) Land Purchase Loan ( ) Vehicle loan ( ) Consortium ( ) SDF ( )
Time Loan ( ) Real Estate Loan ( ) Working Capital ( ) Hypothecation ( ) Loan against Share ( )
Trade Loan ( ) Service Loan ( ) Long Term Loan ( ) Import Loan ( ) Overdraft ( )
Demand Loan ( ) Home Loan ( ) Education Loan ( ) Letter of Credit ( ) Hire Purchase ( )
Or any other loan:
Loan Amount (in NRs.)
Do you want to see the Credit Reports of Yes ( ) No ( )
your Bank also?
Name
Citizenship Number
Citizenship Issued Date
Personal Information about the Citizenship Issued District
Individual

Spouse Name
Authorized signature
139

] 347

347 ;+rfns ;ldltsf] ldlt @)&*.!@.@% sf] lg0f{oaf6 o; cg';'rL vf/]h ul/Psf]
 ;+rfns ;ldltsf] ldlt @)&*.!@.@% sf] lg0f{oaf6 o; cg';'rL vf/]h ul/Psf]
Request Form for Credit Information Report (Comprehensive) Corporate/Institutional cg';"rL #=@=@
140

Bank
Branch
Tel/ Fax No.

Ref No.: Date:

All information fields are Mandatory*
New Loan ( ) Renewal ( ) Restructuring ( ) Rescheduling ( ) Additional Loan ( )
Term Loan ( ) Land Purchase Loan ( ) Vehicle loan ( ) Consortium ( ) SDF ( )
Time Loan ( ) Real Estate Loan ( ) Working Capital ( ) Hypothecation ( ) Loan against Share ( )
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

Type of Loan Facilities (Mark Trade Loan ( ) Service Loan ( ) Long Term Loan ( ) Import Loan ( ) Overdraft ( )
Demand Loan ( ) Home Loan ( ) Education Loan ( ) Letter of Credit ( ) Hire Purchase ( )
Or any other loan:
Loan Amount (in NRs.)
Do you want to see the Credit Reports of Yes ( ) No ( )
your Bank also?
Name of the Firm/Company
Firm/Company Registration Number
Firm/Company Registration Date
Firm/Company Registered
Organization
Information about (the Authorized Organization where Firm/Company
theFirm/Company is registered)
PAN
PAN Registration Date
PAN Registered District
* Credit Reports will not be provided if the information is not completely provided. All the information fields should be correctly and completely filled up.
Authorized signature
 cg';"rL #=#
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ kmf]g g+=M ==========
ˆofS; g+=M ========
====================sfof{no,===============================
-csf]{ a}+s jf ljQLo ;+:yf;Fu ;fv ;"rgf lnbf n]lvg] kqsf] gd'gf_
-shf{ sfo{ljlw @)&# sf] bkmf @) ;Fu ;DalGwt_

M/S ............................. Bank Ltd.

Dear Sir(s)
We shall be grateful if you could provide us the information on the credit worthiness of the following
individual/firm/company regarding the financial discipline, past performance and the financial dealings
with you and your branches.

We will be grateful to you if you furnish us about approved funded/non funded limit, outstanding amount,
principal overdue and interest overdue (if any), classification of loan as per the NRB Directives and past
performance. We assure that the information received will be kept strictly confidential.

We kindly request you to provide the information about the above mentioned party.

Sincerely Yours,

.................................
(Manager/Credit Officer)

200 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL #=$
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ kmf]g g+=M ==========
ˆofS; g+=M ========
===================sfof{no,=====================
-csf]{ a}+s jf ljQLo ;+:yfnfO{ ;fv ;"rgf lbbf n]lvg] kqsf] gd'gf_
-shf{ sfo{ljlw @)&# sf] bkmf @) ;Fu ;DalGwt_

Re: Credit Information

Dear Sirs,

information.

We impart this information with the understanding that it will be used in the strict confidence and we
assume no responsibility on the part of the bank or any of its officials for the supply of this information.

Sincerely Yours,
(Manager/Credit Officer)

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 201

 cg';"rL #=%
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ kmf]g g+=M ==========
ˆofS; g+=M ========
-shf{ sfo{ljlw @)&# sf] bkmf @) ;Fu ;DalGwt_

r=g+=M ldltM ==================

>L ================================a}+s ln=, ==================================

>L ================================j}+s ln=, ===================================
>L ================================j}+s ln=, ===================================

ljifoM ;fv ;"rgf af/] .

dxf]bo,
o; a}+ssf tklzn adf]lhdsf u|fxsn] shf{÷;'ljwf sf/f]jf/ ug{ cfpg' ePsf] x'Fbf To; a}+sdf lghsf]
sf/f]af/ ;Gtf]ifhgs eP÷gePsf] hfgsf/L pknAw u/fO{ ;xof]u ul/lbg' x'g cg'/f]w ub{5f}+ . ToxfFaf6 k|fKt ;"rgf
uf]Ko /flvg] Joxf]/f ;d]t cg'/f]w ub{5f}+ .

u|fxssf] gfd k|f]k|fO{6/÷;+rfnssf] gf=k|=g+=÷btf{

qm=;+= / 7]ufgf gfd / 7]ufgf jfj'÷kltsf] gfd jfh]÷;;'/fsf] gfd g+=÷lhNnf
!=
@=
#=

ejbLo,

======================
-k|aGws÷shf{ clws[t_

202 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL #=^
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ kmf]g g+=M ==========
ˆofS; g+=M ========

Ref No: Date: ………………….

M/S… .......... Bank Ltd.

……………………………

Re: Credit Information

Dear Sir(s),

We assure you that any information furnished by you will be treated as strictly confidential and without
any responsibility on your part.

Sincerely Yours,

(Manager/Credit Officer)

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 203

 cg';"rL #=&
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ kmf]g g+=M ==========
ˆofS; g+=M ========
Date : ... ... ... ... ...
Ref No:

M/S ... ... ... ... ... ... Bank Ltd.

... ... ... ... ... ... ... ... ... ...

Re: Credit Information

Dear Sir(s),

We would like to inform you that M/s .......................................is availing under mentioned loan facilities
from us as on date-

Rs. In Lac
S.No. Loan/Facility Limit Category of Loan
1 ……………………………….. Higher... ... ... ... ... Pass
...Digit

Further, as per the NRB guidelines regarding provision on working capital lending, we have "No
Objection" for providing the working capital limit to the unit.

This information is being provided in strict confidence without any responsibility on the part of the bank
or any of the undersigned officials and on the condition that the name of this bank shall not be disclosed
in the event of the information being passed on to the third parties.

Sincerely Yours,

... ... ... ... ... ... ... ... ... ...
(Manager/Credit Officer)

204 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL #=*
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ kmf]g g+=M ==========
ˆofS; g+=M ========

M/S… .......... Bank Ltd.

…………,…………………

Re: Credit Information

Dear Sir(s),

With reference to your request letter dated .............................. having query about the status of credit
facilities of our client M/S .......................................... , we are in process of renewal of the credit facilities,
the credit information as of date is as follows:

The above mentioned loans are on Pass category as per NRB guidelines; similarly we also inform you
that the multiple banking facilities of the unit is above of Rs.100.00 Lac, so PARIPASU agreement is
necessary for further execution of the facilities.

This information is being provided in strict confidence without any responsibility on the part of the bank
or any of the undersigned officials and on the condition that the name of this bank shall not be disclosed
in the event of the information being passed on to the third parties.

Sincerely Yours,

(Manager/Credit Officer)

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 205

 cg';"rL %=!

s[lif ljsf; a}+s ln=

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

=============================sfof{no============================
-shf{ sfo{ljlw, @)&# sf] bkmf !# ;Fu ;DalGwt_
u|fxsn] shf{ lng'cl3 k]z ug{'kg]{ sfuhftx?sf] ljj/0f
kmf]g g+=M ==========
ˆofS; g+=M ========
s_ lwtf] ;'/If0f ;DaGwL sfuhftx? .
sfuhftsf] ljj/0f
hUufwgLsf] gful/stfsf] k|df0fkqsf] k|ltlnkL
hUufwgL btf{ k|df0fk"hf{sf] k|ltlnkL
rfn' cf=j=sf] dfnkf]t s/ tyf 3/ s/ lt/]sf] /l;b÷k|df0f
lwtf] lnOg] 3/ hUufsf] kmf]6f]
k|dfl0ft An'lk|G6 gSzf, gfkL gSzf tyf 6]«; gSzf -^ dlxgf cjlw ggf3]sf]_
lwtf]df /xg] hUufsf] rf/ lsNnf l;kmfl/z kq -# dlxgf cjlw ggf3]sf]_
3/ lwtf]df /xg] eP 3/sf] k|dfl0ft gSzf tyf ;DalGwt lgsfoaf6 lnO{Psf] lgdf{0f O{hfhtkq
3/ lwtf]df /xg] eP lgdf{0f ;DkGgsf] k|df0fkq [÷ ;DalGwt :yfgLo lgsfon] pknAw u/fPsf]
clen]vLs/0f ul/Psf] kq] 348
3/sf]] aLdf u/]sf]÷aLdf gjLs/0f u/]sf]
hUuf k|fKtLsf] >f]t v'Ng] sfuhft÷sfg"gL xbDofb k'u]sf]
3/fo;L d~h"/Lgfdf÷kfl/jfl/s ;xdlt kq
Kn6 /lhi6/÷lkmN8a's ptf/

v_ Joj;fo btf{ ;DaGwL tyf cGo sfuhftx?

sfuhftsf] ljj/0f
kmd{ tyf sDkgLsf] xsdf
g]kfn ;/sf/sf] ;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf] k|df0f–kq
cfjZostfcg';f/ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 lnPsf] O{hfht–kq / gjLs/0fsf] k|ltlnkL
PAN÷VAT btf{sf] k|ltlnkL
ut cf=j=sf] s/ r'Qmf k|df0f–kq
ljut @ cfly{s jif{sf] n]vf k/LIf0f ePsf] ljQLo ljj/0fsf] k|ltlnkL -?=@) nfv dflysf] shf{sf] xsdf_
k|f]k|fO{6/sf] gful/stfsf] k|df0f–kqsf] k|ltlnkL [, JolQmut ljj/0f ] 349tyf kf;kf]6{ ;fOhsf] kmf]6f] yfg !
;fem]bf/L kmd{sf] xsdf yk sfuhftx?

348 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk

349 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk
206 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 cg';"rL %=!
;fem]bf/L ;Demf}tf÷sj"lnotgfdf / z]o/ cg'kft v'Ng] sfuhft .
shf{ sf/f]jf/ ;DaGwL lg0f{o -shf{ lng] /sd / p2]Zo, shf{sf] nflu lnOg] lwtf], sf/f]jf/ ug]{ clVtof/L /
vftf ;+rfng ;DaGwdf_
;Dk"0f{ ;fem]bf/x?sf] JolQmut hdfgL kq .
;Dk"0f{ ;fem]bf/x?sf] gful/stfsf] k|df0f–kqsf] k|ltlnkL [, JolQmut ljj/0f ] 350 tyf kf;kf]6{ ;fOhsf] kmf]6f]
yfg ! .
k|f=ln= tyf klAns sDkgLsf] xsdf yk sfuhftx?
sDkgLsf] k|aGw kq / lgodfjnLsf] k|ltlnkL / ;f]df ;+;f]wg eP ;f];d]t
sDkgLsf] cBfjlws r'Qmf k'FhL, z]o/ nut / ;+rfnsx?sf] nutsf] k|ltlnkL .
;+rfnsx?sf] gful/stfsf] k|df0f–kqsf] k|ltlnkL [, JolQmut ljj/0f ] 351, kf;kf]6{ ;fO{hsf] kmf]6f] yfg !÷!
;+rfnsx?sf] JolQmut hdfgL kq .
[g]kfn ;/sf/sf] k"0f{ jf cf+lzs :jfldTj /x]sf ;+:yf / o; a}+ssf] ;d]t z]o/ :jfldTj /x]sf
;+:yfsf] xsdf ;+:yfut hdfgLkq
g]kfn /fi6« a}+saf6 ævÆ, æuÆ / æ3Æ ju{s]f Ohfht kq k|fKt ;+:yfsf] xsdf ;+:yfut hdfgLkq /
;+rfnsx?sf] AolQmut hdfgLkq ]352
shf{ sf/f]jf/ ;DaGwL lg0f{o -shf{ lng] /sd / p2]Zo, shf{sf] nflu lnOg] lwtf], a}+lsË sf/f]jf/ ug]{
clVtof/L / vftf ;+rfng ;DaGwdf_

kl/of]hgf ;DaGwdf
ljj/0f
kl/of]hgfsf] ;a} kIfsf] ;DefJotf cWoog ul/Psf] lj:t[t Joj;flos of]hgf -?=% s/f]8eGbf a9Lsf]
shf{sf] xsdf_
Go"gtd # cf=j=sf] k|If]lkt ljQLo ljj/0fx?
:6s -df}Hbft_, Receivables / Payables sf] k|dfl0ft ul/Psf] ljj/0f [. ?=@% s/f]8eGbf dflysf] rfn'
k'FhL k|s[ltsf shf{x? :jLs[t tyf gjLs/0f ubf{ ;DalGwt shf{ u|fxsn] k]z u/]sf] rfn' ;DklQ tyf
bfloTjsf ljj/0fx? n]vf k/LIfsaf6 k|dfl0ft u/fpg' kg]{5 .] 353
kl/of]hgf:yn Psf3/ kl/jf/sf] gfdsf] ePdf ;f]sf] hUufwgL btf{ k|df0fk"hf{ sf] k|ltlnkL .
ef8fdf lnO{ kl/of]hgf ;+rfngdf ug]{ jf ul//x]sf] ePdf kl/of]hgfsf] k|s[lt cg';f/ cjlw pNn]v ePsf]
;Demf}tf kq .
kl/of]hgfsf] kmf]6f] .
[?=%) s/f]8 jf ;f] eGbf a9Lsf] shf{ pkof]u ug]{ shf{ u|fxsnfO{ shf{ k|jfx jf gjLs/0f ubf{ shf{
u|fxssf] qm]l86 /]l6Ë Ph]G;Laf6 ul/Psf] /]l6Ë . ] 354

cfDbfgL >f]t ;DaGwL sfuhft

350 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk
351 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk
352
;+rfns ;ldltsf] ldlt @)&%.!@.@) sf] a}7s g+= &$( sf] lg0f{o adf]lhd yk
353 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk
354 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 207

 cg';"rL %=!
cfo >f]tsf] ljj/0f
3/hUuf ef8f eP ;f]sf] ;Demf}tf, hUufwgL btf{ k|df0f k'hf{, 3/sf] kmf]6f] tyf 3/ lgdf{0fsf] ;DkGgtf .
Salary Certificate & Account Statement
Joj;fosf] cfDbfgL v'Ng] sfuhft -btf{ k|df0fkq, PAN, Audit Report, s/ r'Qmf k|df0f cflb_
cGo======

cGo sfuhft tyf ljj/0f

sfuhftsf] ljj/0f
rNtL÷shf{ vftf gDa/
shf{ u|fxs JolQm ePdf gful/stfsf] k|df0f–kqsf] k|ltlnkL, kf;kf]6{ ;fOhsf] kmf]6f] yfg !
;fv ;"rgf -CIB_ tyf ax'–a+}lsª sf/f]jf/ Multiple Banking Declarationsf] ljj/0f
cWofjlws KYC (Know Your Customer) /CDD ;DaGwL kmf/fd
3/ lgdf{0f nfutsf] cg'dfg (Detailed Cost Estimate)M cfjZostfcg';f/
3/÷38]/L v/Lbstf{ / ljqm]tfaLr ePsf] v/LblaqmL ;Demf}tf, ljqm]tfsf] ;xdltkq, lghsf] gful/stfsf]
k|df0f–kq / kmf]6f]
7]Ssfk§f;Fu ;DalGwt ;Demf}tfkq, h]=le=;Demf}tf tyf clVtof/L M cfjZostfcg';f/
v/Lb ul/g] ;jf/L ;fwgsf] cflwsfl/s sf]6]zgM cfjZostfcg';f/
shf{sf] k|f]8S6cg';f/ cGo cfjZos sfuhftx?

pk/f]Qm cg';f/sf sfuhftx? oyfy{k/s 5g\ . km/s k/]df o;sf] ;Dk"0f{ lhDd]jf/L d]/f]÷xfd|f] /xg]5 .

sfuhft k]z ug]{ u|fxssf] gfdM b:tvt÷5fkM

k|f]k|fO{6/÷;+rfnssf] gfdM ldltM

sfuhftx? ?h' ug]{ sd{rf/Lsf]

gfdM kb, sf]8 g+=M b:tvtM ldltM

208 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 [s[lif ljsf; a+}s ln=
==========sfof{no===== cg';"rL %=!
?=@) nfv;Ddsf] s[lif shf{÷;x'lnotk"0f{ shf{ cfj]bg kmf/fd
-shf{ sfo{ljlw, @)&# sf] bkmf !^ ;Fu ;DalGwt_
>L s[lif ljsf; a}+s ln=
===========sfof{no =======.
d]/f]÷xfd|f] kmd{÷sDkgLsf] gfddf b]xfo adf]lhd shf{ :jLs[t u/L lbg'x'g cg'/f]w ub{5'÷5f}+ . shf{ :jLs[ltsf] nflu
cfjZos o; a}+saf6 dfu u/] adf]lhdsf ;a} sfuhftx? / ;'/If0f lbg d÷xfdL d~h"/ 5'÷5f}+ . ;fy} shf{
:jLs[t ubf{ a}+saf6 tf]lsPsf zt{x?sf] kfngf ug{ ;d]t d]/f]÷xfd|f] d~h"/L /x]sf] 5 . a}+s lgodfg';f/ nfUg] Jofh
tyf cGo z'Nsx? o; a}+sdf /x]sf] d]/f]÷xfd|f] gfdsf] rNtL÷shf{ vftf g+= ===============================================
nfO{ 8]lj6 u/L lng' x'g ;d]t d]/f]÷xfd|f] d~h"/L /x]sf] Joxf]/f cg'/f]w 5 . o; a}+saf6 ljQLo ;xfotfsf] nflu k]z
ul/Psf] o; cfj]bgdf c;/ kfg{;Sg] d]/f]÷xfd|f] ljQLo sf/f]af/ / cGo hfgsf/Lx? cGo a}+s tyf ljQLo
;+:yf÷;+u7g÷JolQmaf6 k|fKt ug{ tyf pknAw u/fpg a}+snfO{ clwsf/ lbPsf] 5'÷5f}+ . shf{ k|fKt ug]{ cfzon]
s'g} klg ljQLo ljj/0f jf Joj;flos sfo{ of]hgf jf cGo ljj/0fx? c;To jf em'7f] jf axsfpk"0f{ jf bf]xf]/f] k]z
gu/]sf] pb\3f]if0ff ub{5'÷5f}+ .
ejbLo,
shf{ cfj]bssf] b:tvt÷5fkM=================
!= shf{ cfj]bssf] ljj/0f
shf{ cfj]bssf]] gfd -JolQm÷kmd{÷sDkgL÷;d"x_
k|f]k|fO{6/÷clVtof/k|fKt ;+rfnssf] gfd
gf=k|=g+=÷hf/L ug]{ lhNnf÷hf/L ldlt
klt÷kTgLsf] gfd
afa'sf] gfd
Affh]÷;;'/fsf] gfd
lgj]bs÷u|fxssf] :yfoL
7]ufgfM xfnsf]
kmd{÷sDkgL÷;+:yf÷ btf{ g+=÷ldlt÷btf{ ePsf] lgsfo
;d"xsf] PAN÷VAT÷ldlt÷k|bfg ug]{ lhNnf
kmd{÷sDkgL÷;+:yf÷;d"xsf] 7]ufgf
kmd{÷;+:yf÷;d'xsf] gjLs/0f ePsf] cjlw ================================;Dd
kmd{ rfn' k"FhL=========================== l:y/ k"FhL==============
k"FhLsf] ;+/rgf
sDkgL hf/L k"hF L============================r'Qmf k"FhL==============
;Dks{ g+=÷Od]n 7]ufgf clgjfo{
shf{sf] p2]ZoM
rfn' tkm{ ?=
shf{ dfu /sd ?= :yL/ tkm{ ?=
hDdf shf{ dfu ?+=
gf]6M ;x'lnotk"0f{ shf{ dfu ug]{ cfj]bs JolQm ePdf PAN clgjfo{ x'g' kg]5
{ .
@= shf{ cfj]bssf] Psf3/sf] kl/jf/sf] ljj/0fM
qm= gfdy/ hGd afa'sf] afh]÷ ;Dks{ g+= gf=k|=g+=÷lhNnf÷ shf{ cfj]bs;Fusf]
;+= ldlt gfd ;;'/fsf] gfd ldlt ;DaGw

gf]6M shf{ cfj]bssf jflnu Psf3/ kl/jf/sf ;b:ox?sf] g]kfnL gful/stfsf] k|df0f–kqsf] k|ltlnkL clgjfo{ lng'kg]{_

#= cg'dflgt cfDbfgL tyf vr{MM

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 209
 cg';"rL %=!
qm=;+= ljj/0f jflif{s cfDbfgL ?= jflif{s vr{ ?= art ?=
! s[lif -jfnLgfnL tyf kmnkm"n_
@ kz'k+IfL, df5f, df}/L, h8Lj'6L tyf cGoaf6
# u}x| s[lif ultljlwaf6
hDdf

$= ;fv ;"rgf ;DaGwL ljj/0fM

qm=;+= a}+s jf ljQLo ;+:yfsf] gfd shf{÷;'ljwfsf] shf{÷;'ljwf shf{sf] ju{÷cj:yf
/ 7]ufgf zLif{s /sd ;lqmo lgliqmo
!
@

%= Psf3/ kl/jf/sf ;b:osf] ePsf] 3/÷hUufsf] ljj/0f

qm=;+= hUuf wgLsf] gfd y/, hdLg /x]sf]] lhNnf÷uf=lj=;=÷jf8{ g+ ls=g+= If]qkmn
7]ufgf
!
@
#
hDdf
gf]6M pk/f]Qm ljj/0f cg';f/sf] hUufsf] nfnk'hf{sf] k|ltlnlk o;} cfj]bg;Fu ;+nUg x'g' kg]{5 .

^=JolQmut jf ;fd'lxs hdfgt lbg]sf] ljj/0fM

qm=;+= gfd, y/ 7]ufgf gf=k|=g+=÷lhNnf÷ldlt ;Dks{ g+=÷Od]n u|fxs;Fusf] ;DaGw g]6jy{
7]ufgf

&= lwtf] ;DaGwL ljj/0fM

qm=;+= hUuf÷3/ wgLsf] gfd, y/, lwtf] /xg] hdLg÷3/ /x]sf]] ls=g+= If]qkmn lsl;d cg'dflgt
7]ufgf lhNnf÷uf=k=÷j8f g+= d"No ?=
!
@
#
hDdf
dfly lbPsf] ljj/0f ;fFrf] xf] em'¶f 7x/]df sfg'g adf]lhd ;xF'nf a'emfpFnf . o; shf{sf] Jofh dfl;s ?kdf tyf ;fFjf ;dod} a'emfpg] k|lta4tf nufot a}+sn] /fVg] cGo
zt{x? kfngf ug{ dGh"/ ub{5' .

shf{ dfu ug{] lgj]bssf] b:tvt==========================================================ldltM==============================================

a}+s k|of]hgsf] nfluM

shf{ cfj]bgsf] btf{ g+= cfj]bg btf{ u/]sf] ldlt
shf{ ;xfos÷clws[tsf] gfd sf]8 g+=
b:tvt kb
] 355

355 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd ;fljs cg';'rL k|ltZyflkt
210 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 cg';"rL %=@
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

shf{ cfj]bg kmf/fd

-shf{ sfo{ljlw, @)&# sf] bkmf !^ ;Fu ;DalGwt_
>L s[lif ljsf; a}+s ln=
===========sfof{no =======.

d]/f]÷xfd|f] kmd{÷sDkgLsf] gfddf b]xfo adf]lhd shf{ :jLs[t ul/ lbg'x'g cg'/f]w ub{5'÷5f}+ . shf{ :jLs[ltsf]
nflu cfjZos o; a}+saf6 dfu u/] adf]lhdsf ;a} sfuhftx? / lwtf] ;'/If0f lbg d÷xfdL d~h"/ 5'÷5f}+ .
;fy} shf{ :jLs[t ubf{ a}+saf6 tf]lsPsf zt{x?sf] kfngf ug{ ;d]t d]/f]÷xfd|f] d~h"/L /x]sf] 5 . a}+s lgodfg';f/
nfUg] Jofh tyf cGo z'Nsx? o; a}+sdf /x]sf] d]/f]÷xfd|f] gfdsf] rNtL÷shf{ vftf g+= ============== nfO{
8]lj6 ul/ lng'x'g ;d]t d]/f]÷xfd|f] d~h"/L /x]sf] Joxf]/f cg'/f]w 5 . o; a}+saf6 ljQLo ;xfotfsf] nflu k];
ul/Psf] o; cfj]bgdf c;/ kfg{;Sg] d]/f]÷xfd|f] ljQLo sf/f]af/ / cGo hfgsf/Lx? cGo a}+s tyf ljQLo
;+:yf÷;+u7g÷JolQmaf6 k|fKt ug{ tyf pknAw u/fpg a}+snfO{ clwsf/ lbPsf] 5'÷5f}+ . shf{ k|fKt ug]{ cfzon]
s'g} klg ljQLo ljj/0f jf Joj;flos sfo{ of]hgf jf cGo ljj/0fx? c;To jf em'7f] jf axsfpk"0f{ jf bf]xf]/f]
k]z gu/]sf] pb\3f]if0ff ub{5'÷5f}+ .
ejbLo,
shf{ cfj]bssf] b:tvt÷5fkM=================
shf{ cfj]bssf] gfdM ===================
shf{ cfj]bssf] rNtL vftf g+=M===================

!= shf{ cfj]bssf] ljj/0f

shf{ cfj]bs JolQm ePdf
shf{ cfj]bssf] gfdy/
gf=k|=g+=÷hf/L ug]{ lhNnf÷hf/L ldlt
klt÷kTgLsf] gfd
klt÷kTgLsf] gf=k|=g+=, hf/L ug]{ lhNnf÷hf/L
ldlt
afa'÷;';'/fsf] gfd
afh]sf] gfd
:yfoL
7]ufgfM
xfnsf]
;Dks{ g+=÷Od]n 7]ufgf
shf{ cfj]bs kmd{÷;+:yf÷sDkgL ePdf
kmd{÷sDkgLsf] gfd

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 211

 cg';"rL %=@
kmd{÷sDkgLsf] lsl;d k|f]k|fO{6/lzk÷;fem]bf/L÷;+:yf÷k|f=ln=÷ln=
kmd{÷sDkgLsf] 7]ufgf
;Dks{ g+=
k|f]k|fO{6/÷d'Vo ;fem]bf/÷cWoIfsf] gfdy/ /
7]ufgf
clVtof/k|fKt JolQmsf] gfdy/ / 7]ufgf
btf{ g+=÷ldlt÷btf{
ePsf] lgsfo
kmd{÷sDkgLsf] PAN÷ldlt÷lnPsf]
lhNnf
VAT g+=÷ldlt
kmd{sf] gjLs/0f ePsf] cjlw =================;Dd
Ohfht g+=÷ lnPsf]
kmd{÷sDkgLsf] ldlt÷ lnPsf] lgsfo÷
Ohfht gjLs/0f cjlw =================;Dd

@= JolQmut hdfgt lbg]sf] ljj/0f

gfdy/ != @= #=
7]ufgf :yfoL
c:yfoL
gf=k|=g+=, lhNnf /
ldlt
;Dks{ g+=÷O{d]n
7]ufgf
klt÷kTgLsf] gfd
afa'÷;;'/fsf] gfd
afh]sf] gfd
JolQmut hdfgt
lbg] JolQmsf] k]zf

212 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL %=@
#= cfj]bs ;fem]bf/L kmd{÷sDkgL ePdf ;fem]bf/x?÷z]o/wgLx?÷;+rfnsx?sf] ljj/0fM
;fem]bf/÷ gf=k|=g+=÷
qm= afa'sf] afh]÷;;'/fsf] ;Dks{ z]o/ ;+rfnssf]
z]o/wgLsf] 7]ufgf lhNnf÷
;+= gfd gfd g+= cg'kft gfdy/
gfdy/ ldlt

$= shf{ cfj]bssf] Psf3/sf] kl/jf/sf] ljj/0f

qm=;+= Gffdy/ gftf ;Dks{ g+= gf=k|=g+=÷lhNnf÷ldlt k]zf÷/f]huf/L b:tvt

-gf]6M cfj]bs JolQm, k|f]k|fO{6/ tyf Psn z]o/wgL ePsf] sDkgLsf ;+rfnssf] Psf3/ kl/jf/sf] ljj/0f v'nfpg] ._

[$= -s_ JolQmut shf{ cfj]bssf] cfo Joosf] ljj/0f

cfDbfgL zLif{s aflif{s cfo ?= vr{ zLif{s aflif{s vr{ ?=
btf{ u/]sf] Joj;foaf6 ePsf] v'b gfkmf ;~ro÷cjsf; sf]if
btf{ gu/]sf] s[lif Joj;fosf] v'b gfkmf cfos/
===========================sf] k]G;g cfo vfgf tyf rf8kj{
u|fxssf] s'n tna lzIff
u|fxssf] >Ldfg jf >LdtLsf] tnj kf]zfs
ef8f cfo :jf:Yo
cGo lgoldt cfo aLdf
======================================= 3/ef8f
s'n cfo -s_ s'n vr{ -v_
jflif{s v'b art -s–v_
] 356
%= shf{ cfj]bsn] dfu u/]sf] shf{sf] ljj/0f
dfu u/]sf] shf{sf] zLif{s÷p2]Zo
shf{ dfu /sd ?=
shf{sf] cjlw

^= a}+s tyf ljQLo ;+:yf;Fu shf{÷;'ljwf lnPsf]] eP ;f]sf] ljj/0f

ljj/0f shf{÷;'ljwf a}+s tyf ljQLo

356 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 213
 cg';"rL %=@
pkef]u ug]{sf] gfd :jLs[t ;Ldf ?= p4]Zo÷k|sf/ ;+:yfsf] gfd
Psf3/ kl/jf/ ;b:osf]
gfdsf] shf{÷;'ljwf
cfkm' jf Psf3/ kl/jf/
;b:o;d]t ;+nUg /x]sf]
kmd{÷sDkgLn] lnPsf]
shf{÷;'ljwf
hDdf /sd ?=

&= kl/of]hgfdf x'g] cfDbfgL / vr{sf] ljj/0f

&=-s_ kl/of]hgfaf6 x'g] cfDbfgLsf] ljj/0fM
qm=;+= laqmL x'g] j:t'sf] ljj/0f OsfO{ kl/df0f b/ /sd ?=
!
@
#
$
-gf]6M k|If]lkt ljQLo ljj/0fdf pNn]v ePsf] klxnf] jif{sf] s'n ljqmL÷cfo -Sales Revenue_ cg';f/sf] x'g'
kg]{5 ._

&=-v_ kl/of]hgfdf ul/g] vr{sf] ljj/0fM

ljj/0f OsfO{ kl/df0f b/ /sd ?=
l:y/ k'FhLtkm{
3/÷ejg ! j=lkm=
;]8÷sf/vfgf÷6x/f ! ,, ,,
! ;+Vof
ldnd]lzg/L @ ,, ,,
# ,, ,,
;jf/L ;fwg ! ;+Vof
@ ,, ,,
kmlg{r/ ! ;+Vof
@ ,, ,,
cGo

l:y/ k'FhLtkm{sf] s'n vr{

rfn' k'FhLtkm{
!
214 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 cg';"rL %=@
@
sRrf kbfy{ vr{
#
$
k|ToIf sfdbf/ vr{ !
@
aQL÷kfgL vr{
dd{t ;Def/ vr{
Jofh vr{
ck|ToIf vr{
cGo
rfn' k'FhLtkm{sf] s'n vr{
s'n hDdf

&=-u_ kl/of]hgfsf] s'n nfutdf shf{ / :jnfutsf] cg'kft

k'FhL kl/of]hgfsf] nfut :jnfut /sd shf{ /sd
l:y/ k'FhL ?=
rfn' k'FhL ?=
hDdf /sd ?=
k|ltzt -!))Ü_ -=======Ü_ -======Ü_

*= lwtf] ;'/If0fsf] ljj/0f

*=-s_ shf{ ;'/If0f afkt a}+snfO{ lbg] lwtf]sf] ljj/0f
lwtf]wgLsf] lwtf]sf] ljj/0f cg'dflgt d"No ?=
gfdy/ / 7]ufgf g=kf=÷ j8f lsQf l;6 3/sf]
lhNnf If]qkmn
uf=kf= g+= g+= g+= If]qkmn

*=-v_ cGo lwtf]M

k|lt O{sfO
lwtf]sf] ljj/0f lwtf]sf] k|sf/ O{sfO cg'dflgt d"No -?=_
d"No ?=
:6s -df}Hbft_
d'2tL lgIf]ksf] /;Lb
;/sf/L artkq÷C0fkq

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 215

 cg';"rL %=@
;"rLs[t sDkgLsf z]o/, j08
;'grfFbL, hjfx/ft cflb
ldn d]zLg/L, pks/0f, ;jf/L ;fwg
cGo -pNn]v ug]{_

(= shf{ cfj]bssf] k|ltj4tf

k|lta4tf
d÷xfdL sa"n ub{5f} ls dflysf hfgsf/Lx? oyf{yk/s 5g\ / pNn]v ul/Psf lwtf]x?df s'g} t]>f] kIfsf]
xsbfjL 5}g . :jLs[t x'g] shf{sf] lgoldt tj/n] dfl;s ?kdf Jofh tyf tf]s]sf] ldltdf ;fFjf jf ;fFjfsf]
ls:tf a'emfpg]5'÷5f}+ tyf a}+sn] shf{ :jLs[t ubf{ tf]s]sf ;a} zt{x?sf] kfngf ug]{ k|lta4tf JoQm ub{5'÷5f}+ .
shf{ cfj]bssf] gfdy/
k|f]k|fO6/÷d'Vo ;fem]bf/÷cWoIf÷clVtof/ k|fKt
JolQmsf] gfdy/
b:tvt
kmd{÷sDkgLsf] 5fk

ldlt

a}+s k|of]hgsf] nfluM

shf{ cfj]bgsf] btf{ g+= cfj]bg btf{ u/]sf] ldlt
shf{ ;xfos÷clws[tsf] gfd sf]8 g+=
b:tvt kb

216 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL %=#
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

====================sfof{no=========================
d'2tL lgIf]k /l;b÷cGo ;'/If0fkqsf] lwtf]df shf{ cfj]bg kmf/fd
-shf{ sfo{ljlw @)&# sf] bkmf $ ;Fu ;DalGwt_

ldltM================

>L k|aGwsHo",
s[lif ljsf; a}+s ln=
======= sfof{no =======

ljifoM d'2tL lgIf]k /l;b÷;'/If0fkq lwtf] shf{ ;DaGwdf .

dxf]bo,
d]/f] lgDg d'2lt lgIf]k /l;b÷;'/If0fkq lwtf]df ======================== sfo{sf] nflu ?=========================
-cIf]?kL ===============================_ dfq shf{ kfpm egL of] lgj]bg k]z u/]sf] 5'÷5f}+ . shf{ :jLs[t ePdf
a}+ssf] lgodfg';f/ xfn ePsf] lgod tyf kl5 aGg] lgod kfng u/L a}+sn] tf]s]sf] ;doleqdf a}+s lgodfg';f/
a'emfpg'kg]{ Jofh ;lxt shf{ e'Qmfg ug{ d]/f]÷xfd|f] d~h"/ ePsf] Joxf]/f ;d]t hfgsf/L u/fpb5'÷5f}+ . tf]lsPsf]
Dofbleq shf{ ga'emfPdf d]/f]÷xfd|f] d'2tL lgIf]k /l;b÷;'/If0fkq /2 u/L a}+ssf] shf{sf] ;fFjf tyf Jofh /sd
c;"n ug'{ eO{ afFsL /sd d]/f]÷xfd|f] o; a}+ssf] vftf g+= ======================== df hDdf u/L lbg' xf]nf .
shf{sf] Jofh d]/f]÷xfd|f] d'2lt lgIf]k÷;'/If0fkqdf kfSg] Jofh hDdf x'g] d]/f]÷xfd|f] pk/f]Qm vftf g+= nfO{ 8]lj6
u/L lng'x'g ;d]t d]/f]÷xfd|f] d~h"/L 5 .

qm=;+= ljj/0f /l;b yfg d'2tL lgIf]k÷;'/If0fsf] Dofb /sd dfl;s Jofh hDdf
g+= k'Ug] ldlt x'g] vftf g+=

ejbLo,

u|fxssf] b:tvt / 5fkM ==========

u|fxssf] gfdM ========================
u|fxssf] 7]ufgfM =====================
;Dks{ g+= =============================

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 217

[cg';'rL %=$ ….] 357

357ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd ;fljs cg';'rL %=$ z]o/ lwtf] -dflh{g n]l08Ë_ shf{ cfj]bg tyf :jLs[lt k|:tfj vf/]h
ul/Psf]
218 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 cg';"rL %=%

====================sfof{no======================
-shf{ sfo{ljlw @)&# sf] bkmf $ ;Fu ;DalGwt_
;'grfFbL lwtf] shf{ cfj]bg tyf :jLs[lt k|:tfj
>L s[lif ljsf; a}+s ln=
============= sfof{no ====================.

ljifoM ;'grfFbL lwtf] shf{ pknAw u/fO{ lbg] jf/] .

dxf]bo,
pk/f]Qm ;DaGwdf dnfO{ lgDg zt{ ;'ljwf cGtu{t /xL tkl;nsf] ;fdfg lwtf] /fvL======================p2]Zosf]
nflu ?======================. -cIf]?kL =============================================dfq_ ;'grfFbL lwtf] shf{
pknAw u/fO{ lbg'x'g cg'/f]w ub{5' . :jLs[t shf{ d]/f gfpFdf To; a}+sdf /x]sf] rNtL÷art÷shf{ vftf g+=
================== df hDdf ul/lbg' x'g ;d]t cg'/f]w ub{5' .

zt{ ;'ljwfx?M
!= ;'grfFbL lwtf] shf{{ ;DaGwdf a}+sdf xfn /x]sf] lgod / kl5 agfOg] lgodx?sf];d]t k"0f{ kfngf ug]{5' .
@= shf{df a}+s lgodfg';f/ nfUg] z'Ns shf{ e'QmfgL x'g'k"j{ g} a'emfpg] 5' .
#= o; a}+sdf /x]sf] d]/f] rNtL÷art÷shf{ vftfsf] ljj/0f / gful/stfsf] k|df0fkqsf] k|dfl0ft k|ltlnlk
o;};fy ;+nUg u/]sf] 5' .
$= o; shf{sf] nflu cfjZos kg]{ lwtf] ;fdfg / sfuhftx? o;};fy ;+nUg u/L k]z u/]sf] 5' .
%= d]/f] dfl;s Jofh ltg]{ ;|f]t====================/x]sf] Joxf]/f hfgsf/L u/fpFb} ;f] k'li6 ug]{ sfuh k]z u/]sf]
5' .
^= ;'/If0fafkt /flvPsf] ;'grfFbLsf] k|flKt ;|f]t========================xf] . o; ;DaGwdf cGoyf x'g uPdf d
:jo+ k"0f{?kdf lhDd]jf/ x'g]5' .
lwtf] /fVg] dfn;fdfgsf] ljj/0fM
qm=;+= dfn;fdfgsf] gfd cj:yf yfg tf}n -u|fd_ cg'dflgt d"No ?=
!
@
#
$
hDdf

shf{ cfj]bssf] gfdM =====================

b:tvtM====================================

NofKr] b:tvtM bfofFF jfofF

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 219

shf{ cfj]bssf] :yfoL 7]ufgf
lhNnfM uf=kf=÷g=kf=M j8f g+=M 6f]nM
shf{ cfj]bssf] xfn a;f]jf; /x]sf] 7]ufgf
lhNnfM uf=kf=÷g=kf=M j8f g+=M 6f]nM
shf{ cfj]bssf] ;Dks{ g+=M Od]n 7]ufgfM

shf{ cfj]bssf] cGo ljj/0f

rNtL÷jrt÷shf{ vftf g+=M shf{ cfj]bssf] k]zfM
shf{ cfj]bssf] pd]/M gf=k|=g+=÷hf/L ldlt÷lhNnf
shf{ cfj]bssf] klt jf kTgLsf] gfdM
afa'sf] gfdM afh]sf] gfdM
O{R5fPsf] JolQmsf]] gfdM O{R5fPsf] JolQm;Fusf] gftfM
O{R5fPsf] JolQmsf] 7]ufgfM O{R5fPsf] JolQmsf] gf=k|=g+=÷hf/L ldlt÷lhNnf

a}}+s k|of]hgsf] nfluM

shf{ ljZn]if0f tyf l;kmfl/z / :jLs[lt v08

shf{ cfj]bssf] shf{sf] Jofh / ;fFjf /sd ltg{;Sg] ;|f]t /xsf], lwtf] lnPsf] ;'grfFbL /sdn] shf{ /sdnfO{ vfDg]
ePsf] / shf{sf] nflu cfjZos kg]{ sfuhft k]z u/]sf] x'Fbf >L=============================================nfO{
?======================.–-cIf]?kL ========================dfq_ ;'grfFbL lwtf] shf{{ zLif{sdf ===========
dlxgf÷jif{sf] nflu shf{ :jLs[t u/L lghsf] rNtL÷art÷shf{ vftf g+= ===========================df hDdf
ug{ l;kmfl/z;fy :jLs[ltsf] nflu k]z ub{5' .

shf{ l;kmfl/zstf{ -;'grfFbL lg/LIfs_ :jLs[t ug]{ -k|jGws_

b:tvtM b:tvtM
kb÷sf]8 g+=M sf]8 g+=M
ldltM ldltM

220 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL %=^

yf]s shf{ cfj]bg kmf/fd

-shf{ sfo{ljlw, @)&# sf] bkmf !^ ;Fu ;DalGwt_
>L s[lif ljsf; a}+s ln=
===========sfof{no =======.

xfd|f] kmd{÷;+:yfsf] gfddf b]xfo adf]lhd shf{ :jLs[t u/L lbg'x'g cg'/f]w ub{5f}+ . shf{ :jLs[ltsf] nflu
cfjZos o; a}+saf6 dfu u/] adf]lhdsf ;a} sfuhftx? / lwtf] ;'/If0f lbg xfdL d~h'/ 5f}+ . ;fy} shf{
:jLs[t ubf{ a}+saf6 tf]lsPsf zt{x?sf] kfngf ug{ ;d]t xfd|f] d~h'/L /x]sf] 5 . a}+s lgodfg';f/ nfUg] Jofh tyf
cGo z'Nsx? o; a}+sdf /x]sf] xfd|f] gfdsf] rNtL÷shf{ vftf g+===========================nfO{ 8]lj6 u/L lng'x'g
;d]t xfd|f] d~h"/L /x]sf] Joxf]/f cg'/f]w 5 . o; a}+saf6 ljQLo ;xfotfsf] nflu k]z ul/Psf] o; cfj]bgdf
c;/ kfg{;Sg] xfd|f] ljQLo sf/f]af/ / cGo hfgsf/Lx? cGo a}+s tyf ljQLo
;+:yf÷;+u7g÷JolQmaf6 k|fKt ug{ tyf pknAw u/fpg a}+snfO{ clwsf/ lbPsf 5f}+ . shf{ k|fKt ug]{ cfzon] s'g}
klg ljQLo ljj/0f jf Jofj;flos sfo{ of]hgf jf cGo ljj/0fx? c;To jf em'7f] jf axsfpk"0f{ jf bf]xf]/f] k]z
gu/]sf] pb\3f]if0ff ub{5f}+ .

ejbLo,

shf{ cfj]bssf] cflwsfl/s

b:tvt÷5fkM================= shf{ cfj]bssf]
gfdM ===================
shf{ cfj]bssf] rNtL vftf g+=M===================

!= shf{ cfj]bssf] ljj/0fM

;+:yfsf] gfd
;+:yfsf] lsl;d

;+:yfsf] 7]ufgf
;Dks{ g+=
cWoIfsf] gfdy/ / 7]ufgf
;+:yfsf]
d'Vo Joj:yfkssf] gfdy/ / 7]ufgf

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 221

clVtof/k|fKt JolQmsf] gfdy/ / 7]ufgf
btf{ g+=÷ldlt÷btf{
ePsf] lgsfo
;+:yfsf] PAN÷ldlt÷lnPsf]
lhNnf
VAT g+=÷ldlt
;+:yfsf] gjLs/0f ePsf] cjlw =================;Dd
Ohfht g+=÷
lnPsf]
;+:yfsf]
Ohfht gjLs/0f
==== ;Dd
cjlw
@= JolQmut hdfgt lbg]sf] ljj/0fM
gfdy/ != @= #=
7]ufgf :yfoL
c:yfoL
gf=k|=g+=, lhNnf / ldlt
;Dks{ g+=÷O{d]n 7]ufgf
klt÷kTgLsf] gfd
afa'÷;;'/fsf] gfd
afh]sf] gfd
#= cfj]bs ;+:yfsf] ;+rfnsx?sf] ljj/0fM

qm=;+= ;+rfnssf] 7]ufgf afa'sf] afh]÷;;'/fsf] gfd ;Dks{ g+= gf=k|=g+=÷lhNnf z]o/ cg'kft
gfdy/ gfd ÷ldlt

gf]6M cfj]bs ;+:yfsf z]o/wgLx?sf] z]o/ cg'kft adf]lhdsf] ljj/0f o;};fy ;+nUg ug'{ kg]{5 .

$= ;xfos sDkgL -Sister Concern_ sf] ljj/0f

kmd{÷sDkgLsf] gfd kmd{÷sDkgLsf] 7]ufgf
k|f]=÷;+rfnssf] gfd btf{ g+=
sf/f]af/sf] k|s[lt btf{ ldlt / lgsfo
222 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 o; a}+s;Fu ePsf] shf{sf] PAN / lnPsf] ldlt
zLif{s / shf{ /sd
=========== a}+s;Fu ePsf] shf{sf] VAT g+= lnPsf] ldlt
zLif{s / shf{ /sd

%= shf{ cfj]bsn] dfu u/]sf] shf{sf] ljj/0fM

dfu u/]sf] shf{sf] zLif{s÷p2]Zo yf]s shf{
shf{ dfu /sd ?=
shf{sf] cjlw clwstd ! jif{

^= cGo a}+s tyf ljQLo ;+:yf;Fu shf{÷;'ljwf lnPsf]] eP ;f]sf] ljj/0fM

a}+s jf ljQLo shf{÷;'ljwf
;+:yfsf] gfd :jLs[t ;Ldf ?= xfnsf] n=/=/= -?=_ p4]Zo÷k|sf/

hDdf /sd ?=
&=;+:yfn] ug]{ shf{ nufgL tyf ljQLo ljj/0fM
&= -s_ a}+saf6 lnOPsf] shf{af6 nufgL ul/g] u|fxs tyf lghx?af6 x'g] jflif{s cfDbfgLsf] ljj/0fM
qm=;+= k|jfx x'g] shf{ shf{ /sd shf{ Jofh ;]jf z'Ns tyf cGo hDdf jflif{s Jofh tyf
u|fxssf] gfd ?= cjl b/ z'Ns cfDbfgL z'Ns cfDbfgL ?=
!=
@=
#=
$=
gf]6M yk ljj/0f pNn]v ug'{kg]{ ePdf o;};fy ;+nUg ug'{kg]{5 .

&=-v_ >f]t ;+sngdf nfUg] jflif{s vr{sf] ljj/0fM

ljj/0f shf{ shf{ Jofh b/ aflif{s Jofh vr{ ;]jf z'Ns tyf hDdf jflif{s Jofh
/sd ?= cjl ?= cGo z'Ns /sd tyf z'Ns ?=
a}+saf6 lng]
cGo kIfnfO{
ltg{'kg]{ /sd
hDdf

&=-u_ ;+:yfsf] ljut b'O{ cfly{s jif{ n]vf k/LIf0f tyf rfn' cfly{s aif{sf] k|If]lkt ljQLo ljj/0fM
ljj/0f cfly{s aif{===== cfly{s aif{ == k|If]lkt cfly{s aif{===
/sd /sd /sd
s'n k'FhL÷r'Qmf k'FhL
k|fylds k'FhL

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 223

 s"n lgIf]k
s"n shf{ tyf ;fk6
cGo nufgL
s'n Aofh cfDbfgL
cGo cfDbfgL
hDdf cfDbfgL
s'n Aofh vr{
s'n ;+rfng vr{
hDdf vr{
v'b gfkmf
lgliqmo shf{sf] k|ltzt
kfpg'kg]{ Jofhsf] k|ltzt
a}+s tyf gub df}Hbft /sd
shf{ – lgIf]k cg'kft
;b:o ;+Vof lgIf]k
shf{

&=-3_ ljQLo >f]tsf] cg'kftM

ljj/0f a}+s >f]t /sd ;+:yfsf] cfGtl/s >f]t hDdf /sd
/sd
s'n shf{ k|jfx x'g]
u|fxs ;+Vof
hDdf /sd ?=
k|ltzt -========Ü_ -=======Ü_ -!))Ü_

224 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

*=-s_ shf{ ;'/If0f afkt a}+snfO{ lbg] lwtf]sf] ljj/0fM
lwtf]wgLsf] gfdy/ lwtf]sf] ljj/0f cg'dflgt d"No
/ 7]ufgf lhNnf g=kf=÷ j8f lsQf l;6 If]qkmn 3/sf] ?=
uf=kf= g+= g+= g+= If]qkmn

*=-v_ cGo lwtf]M

lwtf]sf] ljj/0f O{sfO k|lt O{sfO cg'dflgt s"n d"No -?=_
d'No ?=
d'2tL lgIf]ksf] /;Lb
;/sf/L artkq÷C0fkq
;"rLs[t sDkgLsf z]o/, j08
cGo -pNn]v ug]{_
(= shf{ cfj]bssf] k|lta4tfM
k|lta4tf
xfdL sa"n ub{5f} ls dflysf hfgsf/Lx? oyfy{k/s 5g\ / pNn]v ul/Psf lwtf]x?df s'g} t]>f] kIfsf]
xsbfjL 5}g . :jLs[t x'g] shf{sf] lgoldt tj/n] dfl;s ?kdf Jofh tyf tf]s]sf] ldltdf
;fFjf jf ;fFjfsf] ls:tf a'emfpg]5f}+ tyf a}+sn] shf{ :jLs[t ubf{ tf]s]sf ;a} zt{x?sf] kfngf ug]{ k|lta4tf
JoQm ub{5f}+ .
shf{ cfj]bssf] gfdy/
;+:yfsf] cWoIf÷clVtof/k|fKt JolQmsf] gfdy/

b:tvt
;+:yfsf] 5fk
ldlt
a}+s k|of]hgsf] nfluM
shf{ cfj]bgsf] btf{ g+= cfj]bg btf{ u/]sf] ldlt
shf{ ;xfos÷clws[tsf] gfd sf]8 g+=
b:tvt kb
] 358

358
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 225

[cg';'rL %=&….] 359

359 ;+rfns ;ldltsf] ldlt @)&%.)(.)% sf] a}7s g+= &@! sf] lg0f{o adf]lhd yk ePsf] cg';'rL %=& ;x'lnotk"0f{ shf{ cfj]bg tyf :jLs[lt k|:tfj
ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd ;fljs vf/]h ul/Psf]
226 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 [-cg';"rL %=*=!_

VISA Credit Card Application Form -le;f qm]l86 sf8{ cfj]bg kmf/d_

Date -ldlt_:
A. PERSONAL DETAILS -JolQmut ljj/0f_

Initial -k|f/lDes_ M Mr. ->Ldfg_ Mrs. ->LdtL_ Miss -;'>L_ Others -cGo_
Full Name -k"/f gfd _: Date of Birth -hGd ldlt_:
Age -pd]/_ M Sex -ln·_: Male-k'?if_ Female -dlxnf_ Others -cGo_M
Marital Status -j}jflxs cj:yf_: Single -Psn_ Married -ljjflxt_ Others -cGo_ M
No. of Dependents -cf>Lt ;+Vof_: Nationality -/fli6«otf_:
Citizenship/Passport No. -gful/stf÷kf;kf]6{ g+=_: Issued Date-hf/L ldlt_M
Issued District-hf/L ePsf] lhNnf_M

Father’s Name -a'afsf] gfd_: Mother’s Name -cfdfsf] gfd_:

Grandfather's Name -xh'/a'afsf] gfd_: Spouse's Name ->Ldfg jf >LdtLsf] gfd_M

Education -z}lIfs of]Uotf_M Post Graduate -:gftsf]Q/_ Graduate -:gfts_ High School -pRr lzIff_, Other -cGo_M

B. CARD TYPE -sf8{sf] k|sf/_

VISA -le;f _ Others -cGo_: Currency -d'b|f_M NPR -g]kfnL–g]kfn÷ef/tdf dfGo_ USD -8n/, g]kfn÷ef/t afx]s cGo b]zdf dfGo_
C. ADDRESS DETAILS -k"/f 7]ufgf_

Type of Residence -a;f]af;sf] lsl;d_: Owned by Parent-cleefjssf] :jfldTj ePsf]_ Owned -cfkm\g}_ Rented -ef8fdf_

Company Provided -sfo{/t sDkgLaf6 ;'ljwf_ Others -cGo_M House No. -3/ g+_M

Street Name -;8s÷uNnLsf] gfd_ M Rural Municipality/Municipality -ufFpkflnsf÷gu/kflnsf_:

Ward No. -j8f g+=_: City -zx/_: District -lhNnf_M Province -k|b]z_:

Phone -kmf]g_: Mobile-df]afO{n_: Email-O{d]n_ M

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 227

 Location of present address -xfnsf] 7]ufgfsf] cjl:ylt _
D. OCCUPATION DETAILS -k]zfut ljj/0f_
Your Employment Status -tkfFO{sf] /f]huf/sf] l:ytL_ : Salaried -tnaL_ Self Employed -:j/f]huf/_

Name of Organization or Business -sfo{/t ;+:yf tyf Joj;fosf] gfd_M

Type(s) of Employer(s) -/f]huf/bftfsf] k|sf/ _ M Private Ltd. -k|f=ln=_ Public Sector -;fj{hlgs lgsfo_ NGO/INGO -Pglhcf]÷ cfOPglhcf]_

Diplomatic Mission -s"6gLlts lgof]u_ Others -cGo_ M

Years at Current Organization -xfnsf] ;+:yfdf sfd u/]sf] aif{_M Years at Previous Organization -o;eGbf cl3sf] ;+:yfdf sfd u/]sf] aif{_M
Permanent Account Number -:yfoL n]vf gDa/_M

Nature of Business -Joj;fosf] k|sf/_M Private Ltd. -k|f=ln=_ Partnership -;fem]bf/L_ Sole-Proprietorship -Psn :jfldTj_

Designation -kb_M Department -ljefu_M

Registration Number of Business -Joj;fo btf{ gDa/_: Date of Registration -Joj;fo btf{ ldlt_M

PAN of Business -Joj;fosf] kfg_M Ownership Percentage in Business -Joj;fodf :jfldTj k|ltzt_M
Address -7]ufgf_M
Office Phone Number -sfof{nosf] kmf]g gDa/_M Office E-mail -sfof{nosf] Od]n_M

E. INCOME DETAILS -cfo ljj/0f_

Monthly Salary Income -dfl;s tna cfDbfgL_M Monthly Business Income -dfl;s Joj;fo cfDbfgL_M

F. VEHICLE DETAILS -;jf/L ;fwgsf] ljj/0f_

Types of Vehicle you own -tkfO{Fsf] uf8Lsf] k|sf/_: 4 wheeler -rf/ kfFu|]_ 2 wheeler -b'O{ kfFu|]_ Vehicle Number -;jf/L gDa/_M

G. MAILING ADDRESS -kqfrf/ 7]ufgf_

Your Statement/Correspondence should be mailed to -tkfO{Fsf] ljj/0f÷kqfrf/ k7fpg' kg]{ Od]n_:

Email Address -Od]n 7]ufgf_M

H. BANK ACCOUNT DETAILS -a}s

+ vftf ljj/0f_

Bank Name -a}+s gfd_ Branch -zfvf_ Account No. -vftf gDa/_ Account Opening Date -vftf vf]n]sf] ldlt_

I. OTHER CREDIT CARD DETAILS -cGo qm]l86 sf8{ ljj/0f_

Card Type -sf8{sf] k|sf/_ Credit Limit -qm]l86 sf8{ lnld6_ Issuance Date -hf/L ldlt_ Expiry Date -Dofb ;dfKt ldlt_

J. BANK LOAN DETAIL -a}+s tyf ljQLo ;+:yfdf ePsf] shf{sf] ljj/0f_

Loan Type -shf{sf] k|sf/_ Name of Bank or other FIs -a}+s jf cGo ljQLo ;+:yfsf] gfd_ Loan Amount-shf{ /sd_ Remarks -s}lkmot_

228 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

K. SUPPLEMENTARY CARD APPLICATION -k"/s sf8{sf] nflu cfj]bg_

You are requested to provide supplementary card to my family members as detailed below. I shall be fully responsible for settlement of all
dues and charges incurred on supplementary card. -tn pNn]lvt ljj/0f adf]lhd d]/f] kl/jf/sf] ;b:onfO{ k"/s sf8{ pknAw u/fpg' x'g cg'/f]w 5 . k"/s sf8{df
nfUg] ;Dk"0f{ afFsL /sd tyf z'Ns ltg]{ lhDd]jf/L d]/f] x'g]5 ._

Initial -k|f/lDes_ M Mr. ->Ldfg_ Mrs. ->LdtL_ Miss -;'>L_ Others -cGo_
Full Name -k"/f gfd _: Date of Birth -hGd ldlt_ :
Age -pd]/_: Sex -ln·_: Male-k'?if_ Female -dlxnf_ Others -cGo_ M
Citizenship/Passport No.-gful/stf÷kf;kf]6{ g+=_:
Issued District-hf/L ePsf] lhNnf_M Issued Date -hf/L ldlt_M

Relation -gftf_: Occupation-k]zf_M Mobile No.-df]afOn g+_M

Would you like to fix a spending limit per billing cycle to your supplementary card? -s] tkfO{ k'/s sf8{sf] nflu k|To]s ljlnª vr{sf] ;Ldf tf]Sg
rfxg' x'G5 ?_
Yes -rfxG5'_ No -rfxFlbg_ If Yes, amount per month(NPR) -olb rfxG5' eg] k|lt dlxgfsf] /sd -g]=?=_M

Date -ldlt_ M
Signature of Supplementary Card Applicant
-k'/s sf8{ cfj]bssf] b:tvt_
L. AUTHORITY ACCOUNT DEBIT -vftf 8]la6 ug]{ clVtof/L_

I would like to authorize you debit my account automatically for settlement of all dues and charges. -sf8{df nfUg] ;Dk"0f{ afFsL /sd tyf z'Ns
ltg{sf nflu d]/f] vftf :jtM 8]lj6 ug]{ clVtof/L k|bfg ub{5' ._
Bank Account Number -a}+s vftf gDa/_M

Account Name-a]+}s vftf gfd_ : Branch office -zfvf sfof{no_M

Mode of Payment -e'QmfgL tl/sf _M 10% of Due amount or Rs. 1000 whichever is higher -afFsL e'QmfgL /sdsf] !)% jf !))) h'g a9L x'G5 ;f] /sd_
100% of Due amount-afFsL e'QmfgL /sdsf] !))%_

It will be my responsibility to deposit the monthly payment/due amount within due date. I understand and agree if there is
insufficient balance in my account on payment date it will attract an applicable late payment fees. -clGtd e'QmfgL ldlt leq e'QmfgL÷afFsL
/sd vftfdf hDdf ug]{ d]/f] lhDd]jf/L x'g]5 . dnfO{ yfxf 5 / d]/f] ;xdlt 5 ls olb e'QmfgL ldltdf d]/f] a}+s vftfdf ckof{Kt df}Hbft ePdf ljnDa z'Ns nfu' x'g]5 ._
M. DECLARATION -3f]if0ff_

I hereby declare that the information provided in this application is true and correct. I hereby agree that ADBL is entitled to accept or reject
my application without assigning any reason whatsoever. If accepted, I hereby declare that I have read, understood and will abide by the
terms and conditions set forth for use of cards and rules and regulations of Nepal Rastra Bank. I also authorize ADBL to verify any of the
above information. -d of] 3f]if0ff ub{5' ls o; cfj]bgdf lbO{Psf ljj/0fx? ;To / ;fFrf] x'g\ . s[lif ljsf; a}+s lnld6]8nfO{ d]/f] cfj]bg :jLsf/ jf c:jLsf/ ug]{ k"0f{
clwsf/ /x]sf] ljifodf d ;xdt 5' . olb cfj]bg :jLs[t ePsf] v08df a}+s tyf g]kfn /fi6« a}+ssf] lgodsf] clwgdf /xL sf8{sf] k|of]u ug]{5' / d of] 3f]if0ff ub{5' sf8{ k|of]u ubf{
kfngf ug'{kg]{ lgod tyf zt{x? /fd|f];Fu k9] tyf a'em]sf] 5' . dfly pNn]lvt ljj/0fsf] ?h' ug{ s[lif ljsf; a}+s lnld6]8nfO{ clwsf/ lbPsf] 5' ._

Date -ldlt_ M

Signature of Card Applicant

-sf8{ cfj]bssf] b:tvt_
N. FOR BANK PURPOSE ONLY -a}+s k|of]hgsf nflu dfq_

Prepared By: Reviewed By: Approved By:

Code No.: Code No.: Code No.:
Post: Date: Post: Date: Post: Date:
KYC Update in CBS Yes KYC Updated by: Code: KYC Update Date:

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 229

 TERMS & CONDITIONS zt{ tyf lgodx?
1. The Card is not transferable and shall be used exclusively by the CARD HOLDER. The Card Holder undertakes to destroy the PIN slip after
memorizing the PIN Number. -sf8{ x:tfGt/0f ug{ kfOg] 5}g / sf8{ u|fxsn] dfq sf8{sf] k|of]u ug'{ kg]{5 . sf8{xf]N8/n] lkg gDa/sf] ;Demgf u/L ;s]kl5 lkg d]n/nfO{ gi6 ug'{
kb{5 . _
2. The Cardholder shall not disclose the PIN of the Card to any other person. Cardholder(s) will be fully responsible for all the transaction carried out
through the card. -sf8{ xf]N8/n] sf8{ sf/f]af/df k|of]u x'g] lkg cGo JolQmnfO{ lbg' x'Fb}g . sf8{af6 x'g] ;Dk"0f{ sf/f]af/sf] lhDd]jf/L u|fxs :jo+ x'g]5g\ . _
3. The Cardholder will be responsible to keep the card safe and secure at all times. -sf8{ ;Fw} ;'/lIft /fVg] bfloTj sf8{ xf]N8/sf] g} x'g]5 ._
4. The card will not be honored unless it is signed by the cardholder. -sf8{ xf]N8/n] b:tvt gu/];Dd sf8{ dfGo x'g]5}g ._
5. Card may be used within the credit limit sanctioned by the bank and the validity period embossed in the card. -a}+sn] :jLs[t qm]l86 ;Ldf leq /xL tyf
c+lst ul/Psf] dfGo cjlw leq sf8{ k|of]u ug{ ;lsGf]5 ._
6. The Cardholder is allowed to withdraw cash within the arranged limit and make payment for his/her purchases to the merchant through Point of
Sale (herein after referred to as the "POS") or e-commerce by using this card. -sf8{sf] k|of]u u/L Pl6Pdaf6 tf]lsPsf] ;Ldfdf /sd lgsfNg tyf tf]lsPsf] ;Ldfdf
/xL ljleGg dr]{G6sf] lkcf]P; tyf O–sd;{sf] k|of]u u/L j:t' tyf ;]jf vl/b ug{ ;lsg]5 ._
7. It shall be the Bank’s prerogative to accept or reject any credit card application, reduce credit limit, restrict use of the card and refuse
authorization of any transaction made through the card and it shall not be mandatory to the Bank to disclose the reason whatsoever. -s'g} klg qm]l86
sf8{sf] cfj]bg :jLsf/ ÷c:jLsf/ ug]{, sf8{sf] qm]l86 ;Ldf 36fpg], sf8{sf] k|of]udf k|ltaGw ug]{, sf8{af6 x'g] sf/f]af/sf] clwsf/kq c:jLsf/ ug]{ ljz]if clwsf/ a}+s:fFu ;'/lIft /x]sf]
x'G5 / o;sf] sf/0f v'nf;f ug{ a}+snfO{ clgjfo{ x'g] 5}g ._
8. In case of any dispute, prevailing rules and regulations of ADBL and concern card network shall prevail. -s'g} sf/f]af/ ;DawL ljjfb tyf ;dfwfg a}+s tyf
;DalGwt sf8{ g]]6js{sf] df}h'bf lgodfg';f/ x'g]5 ._
9. It shall be the responsibility of the Cardholder to inform the Bank regarding lost/ stolen of PIN/card or sharing of other sensitive card information
Bank shall not be liable for any transaction incurred prior to the notification. -sf8{ xf]N8/n] sf8{ tyf lkg x/fPdf, lju|]df, rf]/L ePdf tyf cGo sf8{ ;DalGwt
;+a]bglzn hfgsf/L cGo JolQmnfO{ k|bfg u/]df a}+snfO{ t'?Gt hfgsf/L u/fpg' kg]{5 / ;f] hfgsf/L u/fpg'eGbf cuf8Lsf ;Dk"0f{ sf/f]af/sf] lhDd]jf/ u|fxs :jo+ x'g]5 ._
10. A card not collected within 6 month of the beginning validity will be destroyed and will be charged subscription and annual fee (for one time) as
determined by the Bank. -sf8{ xf]N8/n] sf8{ ^ dlxgf leq ;+sng gu/]df sf8{ :jtM gi6 ul/g]5 / a}+sn] lgwf{/0f u/] adf]lhd ;b:otf z'Ns / Ps k6ssf nflu aflif{s z'Ns
ltg'{ kg]{5 ._
11. The following fees and charges may changes from time to time as per rates notified in its website or by the Bank giving the Cardholder due written
notice of the same. And it is the responsibility of cardholder to pay the charges which changes from time to time. -tn pNn]lvt z'Ns ;do ;dodf
kl/jt{g x'g ;Sg]5 / ;f]sf] hfgsf/L j]a;fO{6 dfkm{t jf sf8{xf]N8/nfO{ lnlvt?kdf ;'lrt ul/g]5 . o;/L ;do ;dodf kl/jlt{t z'Nssf] e'QmfgL ug]{ lhDd]jf/L sf8{xf]N8/sf] x'g]5 ._
i. Subscription Fee -;b:otf z'Ns_ ii. Annual Fee -aflif{s z'Ns_ iii. Supplementary card Subscription and Annual Fee -k"/s sf8{ ;b:otf tyf aflif{s z'Ns_
iv. Cash Advance Fee -gub P8efG; z'Ns_ v. Re-Issuance Fee -k'gM hf/L z'Ns_ vi. Penal Interest Charge -xh{gf Jofh z'Ns_ vii. Transaction Dispute
management fees -sf/f]af/ ljjfb Joj:yfkg z'Ns_ viii. PIN Re-issuance Fee -lkg d]n/ k'gM hf/L z'Ns_ ix. Credit Balance enquiry Fee -qm]l86 df}Hbft hfgsf/L
z'Ns_ x. Late Payment Fee -ljnDa e'QmfgL z'Ns_ xi. Permanent limit Enhancement Fee -:yfoL ;Ldf a[l4 z'Ns_ xii. Temporary limit Enhancement Fee -
c:yfoL ;Ldf j[l4 z'Ns_.
12. All fees and charges, including interest charges will be posted to the card account and hence will form part of the total payable to the bank.
-Jofh z'Ns nufotsf ;Dk"0f{ z'Ns sf8{ vftfdf k|lji6 ul/g]5, / of] a}+snfO{ ltg'{kg]{ s'n /sdsf] Pp6f c+z x'g]5 ._
13. The cardholder shall incur no fees and charges (except subscription and annual fee), including interest charges (except on cash advance) if full
payment of outstanding on or before the Payment due Date. -olb e'QmfgL afFsL /sd e'QmfgL lbg jf ;f] cufj} e'QmfgL u/] sf8{xf]N8/nfO{ s'g} klg z'Ns -;b:otf tyf
aflif{s z'Ns afx]s_, hl/jfgf tyf Jofh -gub P8\efG;df afx]s_ nfUg] 5}g ._
14. The cardholder shall incur fees and charges such as late payment fees, prevailing interest, and other fees and charges published by bank if
payment of outstanding after the payment due Date. -olb e'QmfgL afFsL /sd e'QmfgL lbg eGbf k5f8L e'QmfgL u/] sf8{xf]N8/nfO{ ljnDa z'Ns, Jofh z'Ns tyf a}+sn]
;do ;dodf k|sflzt u/]sf] cGo z'Ns nfUg]5 ._
15. Statement date means the date at which the statement of card account is generated. -:6]6d]G6 ldlt eg]sf] sf8{ vftfsf] :6]6d]G6 tof/ ul/Psf] lbg xf] ._
16. Payment due date means the date specified in the statement of card account by which date payment of the minimum amount due or the
outstanding balance is to be made by the cardholder to the bank. -e'QmfgL aSof}tf ldlt eGgfn] sf8{ vftfsf] :6]6d]G6 -ljj/0f_ df pNn]v ePsf] ldltnfO{ a'lemG5 h'g
ldltdf sf8{df ePsf] afFsL /sd / sf8{xf]N8/n] ltg'{kg]{ afFsL /sdsf] Go'gtd ltg'{kg]{ /sd pNn]v x'G5 ._
17. If cardholder wants to close the card, Bank request for the written application and block the card for transaction and keep the card safely in own
custody. After the receipt of request from customer the settlement work will be done after 30 days. -olb sf8{xf]N8/n] sf8{ aGb ug{ rfx]sf] v08df sf8{
u|fxssf] lgj]bg lnP/ sf8{ a}+sn] Ans u/]/ /fVg]5 / #) lbgkl5 dfq lx;fa ldnfgsf] sfo{ ug]{5 ._
18. All fees and charges, including interest charges will be posted to the card account maintained at CMS and hence will form a part of the total
payable to the bank. -Jofh z'Ns nufot ;a} z'Nsx? sf8{ Joj:yfkg ;km\6j]o/df vf]lnPsf] sf8{ vftfdf k|ljli6 ul/g]5 / ;f] /sd a}+snfO{ ltg'{kg]{ /sdsf] Ps c+z x'g]5 ._
19. The bank may select a date each month as the payment due date and send the monthly statement through email. It is the responsibility of
cardholder to pay the minimum due amount on time otherwise applicable fees will attract. In the event that bank is unable to send a statement of
card account for any reason or cardholder do not received the email, the cardholder must inform the bank immediately because non receipt of
email cannot be justified to delay or defer payment of the Monthly Minimum Due. -a}+sn] dlxgfsf] s'g} lbgnfO{ e'QmfgL ldlt 5gf}6 ug{ ;Sb5 / ;f] ldltdf
sf8{xf]N8/sf] dfl;s :6]6d]G6 O{d]n dfkm{t k7fpg] ub{5 olb e'QmfgL ldltdf afFsL /sd ltg{ g;s]sf] v08df ljnDa z'Ns tyf cGo z'Ns cfslif{t x'g]5 . clGtd e'QmfgL ldlt leq
e'QmfgL÷afFsL /sd ltg{] lhDd]jf/L u|fxssf] x'g]5 . olb s'g} ljz]if sf/0fn] ubf{ a}+sn] ;dodf g} sf8{ vftfsf] :6]6d]G6 k7fpg g;s]sf] v08df jf sf8{xf]N8/n] :6]6d]G6sf] O{d]n gkfPsf]
v08df t'?Gt a}+sdf ;Dks{ /fVg' kb{5 . O{dn] gkfPsf] sf/0fn] ubf{ ltg'{kg]{ Go'gtd /sdsf] e'QmfgL ldlt ;g]{ jf l9nfO{ x'g] ljifosf] cf}lrTo k'li6 x'g] 5}g ._

Applicant's Signature -cfj]bssf] b:tvt_ --------------------------------

] 360

360 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk

230 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 [-cg';"rL %=*=@_
REQUEST FORM
Date: D D M M Y Y Y Y
To
The Manager
_______________ Branch

Cardholder Details:

Cardholder's Name: _____________________________________________________________________________

A/c Number: _________________________________ Card Number: _____________________________________

Contact Number:________________________________ Address: ______________________________________

I request you to
Block my Card. Replace my Card. Re-new my Card.

Unblock my Card. Permanently Close my Card.

Pin Refresh. Pin Re-generation.

Primary Card Supplementary Card

Please sign

Inside the Box

(Signature of Principal Applicant) (Signature of Supplementary Applicant)

For Branch Use only Stamp

Application Received By:______________________________________________________

Name: ________________________________ Code: ___________ Date: ______________

Application Verified By:______________________________________________________ Stamp

Name: ________________________________ Code: ____________ Date: _____________

For Credit Department Use Only

Ok for Renewal Not ok for Renewal

Reason for Card Cannot be renewed: ____________________________________________________________________

Verified By: ________________ Name:__________________ Code: ____________ Date : _______________________] 361

361 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 231

 [ -cg';"rL %=*=#_

Temporary Limit Enhancement Form

Date: D D M M Y Y Y Y
To
The Manager
__________________ Branch

I/We request you to enhance the credit card limit to Rs. ______________ till D D M M Y Y Y Y (Date) by
earmarking the account which is linked to the card as mentioned below. I/We hereby authorize you to debit my
account for the applicable fees required for limit enhancement.
Cardholder Details:

Cardholder's Name: _____________________________________________________________________________

A/c Number: _________________________________ Card Number: _____________________________________

Contact Number:________________________________ Address: ______________________________________

Primary Card Supplementary Card

Please sign

Inside the Box

(Signature of Principal Applicant) (Signature of Supplementary Applicant)

For Branch Use only Stamp

Application Received and Account Earmark By:_____________________________________

Name: _______________________________ _ Code: ___________ Date: _______________

Application Verified and Account Earmark Authorized by: ____________________________ Stamp

Name: ________________________________ Code: ____________ Date: _______________

For Credit Department Use Only

Ok to enhance the limit Not ok to enhance the limit

Verified By: ________________ Name:__________________ Code: ____________ Date : _______________________

] 362

362 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk

232 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
cg';"rL ^

k|f/lDes lwtf]÷kl/of]hgfsf] :ynut lg/LIf0f k|ltj]bg

-shf{ sfo{ljlw, @)&# sf] bkmf $$ ;Fu ;DalGwt_
-;"rLs[t lwtf] d"Nof+sgstf{af6 lwtf] d"Nof+sg ul/g] u|fxssf] nflu dfq_
!= shf{ cfj]bssf] gfdM ===========================================
7]ufgf M ========================================== uf=kf=÷g=kf=÷j8f g+= ===========================
6f]nM ============================================= lhNnfM========================================
@= lwtf] /flvg] hUufsf] ljj/0fM
-s_ lwtf]wgLsf] gfdy/M ==================================== 7]ufgfM ==========================
-v_ lwtf] /x]sf] lhNnf===================g=kf=÷uf=kf= ===========j8f g+===============6f]n==============
-u_ rf}xbL -gfd÷ls=g+=_ k"j{ ===============klZrd=============pQ/================blIf0f==============
-3_ hUufsf] If]qkmn ======================== lsQf g+= ============== l;6 g+============
-ª_ lwtf];Fu hf]l8Psf] af6f]sf] k|s[ltM s_ lkr v_ u|fe]n u_ sRrL 3_ uf]/]6f] ª_ af6f] gePsf]
-r_ af6f]sf] rf}8fO{M ========== lkm6÷ld6/
-5_ lwtf]sf] k|s[ltM s_ cfjf;Lo v_ Jofkfl/s u_ cfBf]lus 3_ s[lifª_ cGo
-h_ ef}lts ;'ljwfsf] cj:yfM s_ vfg]kfgL v_ ljB't u_ 9n 3_ 6]lnkmf]g
-ª_ :s'n÷sn]h÷c:ktfn
-em_ lwtf] glhssf] Jofkfl/s :yfgsf] gfd / b'/LM =================
-`_ hUufsf] cg'dflgt d"No ?= =============
#= lwtf] /flvg] 3/sf] ljj/0fM
-s_ 3/sf] If]qkmn–nDjfO{ ============lkm6÷ld6/ rf}8fO{================== lkm6÷ld6/
3/sf] tnf ;+Vof================= hDdf If]qkmnM==================ju{ lkm6÷ld6/
-v_ 3/sf] k|s[ltM s_ cf/=l;=l;=k|m]d :6«Sr/ -v_ nf]8 ljol/Ë -u_ cGo -v'nfpg]_============
-u_ 3/sf] lsl;dM s_ cfjf;Lo v_ Jofkfl/s u_ ˆofS6«L 3/÷;]8 3_ uf]bfd 3/÷;]8
-3_ 3/ lgdf{0f ePsf] cg'dflgt jif{M
-ª_ 3/sf] cg'dflgt d"No ?= =============

lwtf]df /fVg] 3/÷hUufsf] :yfg;Dd k'Ug] gS;fM

pQ/

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s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 233

lwtf]df lnO{g] 3/hUufsf] ;DaGwdf lg/LIfsn] b]v]sf b]xfosf ljifox? af/]df ;d]t pNn]v ug'{xf]nf .
k|dfl0ft gSzfcg';f/ le8] gle8]sf]
a;f]af;of]Uo eP gePsf]
ljqmLof]Uo /x] g/x]sf]
ljjfb/lxt eP gePsf]
gbL÷vf]nfgfnfaf6 ;'/lIft eP gePsf]
klx/f]af6 ;'/lIft eP gePsf]
xfO{6]G;g nfOgleq kg]{ gkg]{
;fj{hlgs ;DklQleq kg]{ gkg]{
hUuf clwu|x0f x'g ;Sg] g;Sg]
a}+snfO{ :jLsf/of]Uo eP gePsf]
$= kl/of]hgfsf] ljj/0f
s_ kl/of]hgfsf] gfdM========================================== v_ 7]ufgfM===========================
u_ kl/of]hgf:ynsf] 7]ufgfM ====================================
3_ k|f]k|fO6/÷;fem]bf/÷;+rfnssf] gfdy/M
ª_ kl/of]hgfsf] k|s[ltM !_ pTkfbgd'ns @_ ;]jfd'ns #_ Jofkf/ $_ cGo
r_ sf/f]af/ x'g] j:t'÷;]jfsf] ljj/0fM =====================================
5_ kl/of]hgf:ynsf] :jfldTjM !_ cfˆg} :jfldTj @_ ef8fdf ;+rfng
h_ kl/of]hgf:ynsf] cg'dflgt If]qkmnM ==================
em_kl/of]hgf:yndf /x]sf 3/ejg÷uf]bfd÷ldnd]zLg/Lsf] ljj/0fM
qm=;+= ljj/0fM ;+VofM Ifdtf÷If]qkmnM
!=
@=
`_ kl/of]hgf:yndf /x]sf dfn;fdfg÷:6ssf] ljj/0fM -cg'dflgt kl/df0f / d"No_
!= sRrf kbfy{M ========== =========
@= cw{k|zf]lwt sRrf kbfy{ ========== =========
#= tof/L ;fdfgM ========== =========
$= cGo ========== =========
6_ cg'dflgt pTkfbg÷vl/bsf] ljj/0fM kl/df0fM ============== d"No ?= ================
7_ cg'dflgt ljqmLsf] ljj/0fM kl/df0fM============ d"No ?= ================
8_ cg'dflgt cfo /sd ?=M =============== vr{ /sd ?=M ==============cg'dflgt gfkmf /sd ?===========
lg/LIfsx?sf] /foM
ldlt==============df pk/f]Qm adf]lhdsf] lwtf]÷kl/of]hgf lg/LIf0f ubf{ lwtf] :jLsf/of]Uo ePsf]÷gePsf] /
kl/of]hgf shf{ nufgLsf] nflu pko'Qm ePsf]÷gePsf] kfOof] .
-s_ lwtf]÷kl/of]hgf lg/LIf0f ug]{ sd{rf/Lsf]
gfd ==================================kb=========================sf]8 g+=================b:tvtM============
gfd ==================================kb=========================sf]8 g+================ b:tvtM============
-v_ lwtf]÷kl/of]hgf :yndf uO{ lg/LIf0f u/]sf] ldltM==================
-u_ k|ltj]bg k]z u/]sf] ldltM====================

234 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

[ lwtf]sf] :ynut lg/LIf0f k|ltj]bg]363 cg';"rL ^=!

-shf{ sfo{ljlw, @)&# sf] bkmf $$ ;Fu ;DalGwt_

-skf]{/]6 a}+lsË sfof{non] pkTosf aflx/sf] lwtf] lnO{ shf{ ;'ljwf :jLs[t ug{' kbf{ lwtf] glhs /x]sf]
;DalGwt sfof{no jf k|b]z sfof{noaf6 crn ;DklQ lwtf]sf] ;DaGwdf /fo k|bfg ug{] k|of]hgsf nflu dfq_

!= lwtf] wgLsf] gfdM ===========================================

7]ufgf M ========================================== uf=kf=÷g=kf=÷j8f g+= ===========================
6f]nM ============================================= lhNnfM========================================

@= lwtf] /flvg] hUufsf] ljj/0fM

-s_ lwtf]wgLsf] gfdy/M ==================================== 7]ufgfM ==========================
-v_ lwtf] /x]sf] lhNnf===================g=kf=÷uf=kf=============j8f g+===============6f]n==============
-u_ rf}xbL -gfd÷ls=g+=_ k"j{ ===============klZrd=============pQ/================blIf0f==============
-3_ hUufsf] If]qkmn ======================== lsQf g+= ============== l;6 g+============
-ª_ lwtf];Fu hf]l8Psf] af6f]sf] k|s[ltM s_ lkr v_ u|fe]n u_ sRrL 3_ uf]/]6f] ª_ af6f] gePsf]
-r_ af6f]sf] rf}8fO{M ========== lkm6÷ld6/
-5_ lwtf]sf] k|s[ltM s_ cfjf;Lo v_ Jofkfl/s u_ cf}Bf]lus 3_ s[lifª_ cGo
-h_ ef}lts ;'ljwfsf] cj:yfM s_ vfg]kfgL v_ ljB't u_ 9n 3_ 6]lnkmf]g
ª_ :s'n÷sn]h÷c:ktfn
-em_ lwtf] glhssf] Jofkfl/s :yfgsf] gfd / b'/LM =================
-`_ hUufsf] cg'dflgt d'No ?= =============

#= lwtf] /xg] ejg÷3/sf] ljj/0fM

-s_ 3/sf] If]qkmn–nDjfO{ ============lkm6÷ld6/ rf}8fO{================== lkm6÷ld6/
3/sf] tnf ;+Vof================= hDdf If]qkmnM==================ju{ lkm6÷ld6/
-v_ 3/sf] k|s[ltM s_ cf/=l;=l;=k|m]d :6«Sr/ -v_ nf]8 ljol/Ë -u_ cGo -v'nfpg]_============
-u_ 3/sf] lsl;dM s_ cfjf;Lo v_ Jofkfl/s u_ ˆofS6«L 3/÷;]8 3_ uf]bfd 3/÷;]8
-3_ 3/ lgdf{0f ePsf] cg'dflgt jif{M

363 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 235
 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

$= lwtf]df /fVg] 3/÷hUufsf] :yfg;Dd k'Ug] gS;fM

pQ/

lwtf]df lnO{g] 3/hUufsf] ;DaGwdf lg/LIfsn] b]v]sf b]xfosf ljifox? af/]df ;d]t pNn]v ug'{xf]nf .
k|dfl0ft gSzfcg';f/ le8] gle8]sf]
a;f]af;of]Uo eP gePsf]
ljqmLof]Uo /x] g/x]sf]
ljjfb/lxt eP gePsf]
gbL÷vf]nfgfnfaf6 ;'/lIft eP gePsf]
klx/f]af6 ;'/lIft eP gePsf]
xfO{6]G;g nfOgleq kg]{ gkg]{
;fj{hlgs ;DklQleq kg]{ gkg]{
hUuf clwu|x0f x'g ;Sg] g;Sg]
a}+snfO{ :jLsf/of]Uo eP gePsf]

%= lg/LIfsx?sf] k|ltj]bgM
ldlt==============df pk/f]Qm adf]lhdsf] lwtf] lg/LIf0f u/L of] k|ltj]bg k]z u/]sf 5f}+ . shf{÷;'ljwf k|jfx ug]{
skf]{/]6 a}+lsË sfof{non] lwtf]sf] ljifodf yk hfgsf/L lng cfjZos ePdf lwtf]sf] k'gM lg/LIf0f ug{ ;d]t cg'/f]w
ub{5f}+ .
-s_ lwtf]÷kl/of]hgf lg/LIf0f ug]{ sd{rf/Lsf]
gfd ===================================kb============================sf]8 g+=================b:tvtM============
gfd ===================================kb============================sf]8 g+================ b:tvtM============
-v_ lwtf]÷kl/of]hgf :yndf uO{ lg/LIf0f u/]sf] ldltM==================
-u_ k|ltj]bg k]z u/]sf] ldltM====================

236 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL &
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

=============================sfof{no============================
lwtf]df lnO{g] hUuf, 3/, d]lzg/Lsf] d"Nof+sg k|ltj]bg
-shf{ sfo{ljlw @)&# sf] bkmf $$ ;Fu ;DalGwt_

s_ lwtf] d"Nof+sg ug{] sd{rf/Lsf] gfdM =========================== kb============== sf]8 g+==========

============================kb============== sf]8 g+==========
-v_ lwtf] d"Nof+sg u/]sf] ldltM====================== -u_ k|ltj]bg k]z u/]sf] ldlt =========================

!= shf{ cfj]bssf] gfdy/M =======================================================

7]ufgfM ======================uf=kf=÷g=kf= j8f g+==============================
ufpm÷6f]nM ================================= lhNnfM====================================

@= lwtf] /flvg] hUufsf] ljj/0fM

-s_ lwtf]wgLsf] gfdy/M =============================================== 7]ufgfM =============================
-v_ lwtf] /x]sf] lhNnf=====================g=kf=÷uf=kf===========j8f g+===============6f]n==============
-u_ rf}xbL-gfd÷ls=g+=_k"j{=================klZrd================pQ/================blIf0f==============
-3_ hUufsf] If]qkmn =========================== lsQf g+= ============== l;6 g+============
-ª_ lwtf];Fu hf]l8Psf] af6f]sf] k|s[ltM s_ lkr v_ u|fe]n u_ sRrL 3_ uf]/]6f] ª_ af6f] gePsf]
-r_ af6f]sf] rf}8fO{M =========== lkm6÷ld6/
-5_ lwtf]sf] k|s[ltM s_ cfjf;Lo v_ Jofkfl/s u_ cfBf]lus 3_ s[lif ª_ cGo
-h_ ef}lts ;'ljwfsf] cj:yfM s_ vfg]kfgL v_ ljB't u_ 9n 3_ 6]lnkmf]g
-ª_ :s'n÷sn]h÷c:ktfn
-em_lwtf] glhssf] Jofkfl/s :yfgsf] gfd / b'/LM =================

#= 3/ lgdf{0fsf] lsl;d / k|of]hgM

c_ 3/sf] If]qkmn–nDjfO{ ============================lkm6÷ld6/ rf}8fO{===================== lkm6÷ld6/
3/sf] tnf ;+Vof============================= hDdf If]qkmnM==============================ju{
lkm6÷ld6/
cf_ 3/sf] lsl;dM s_ cfjf;Lo v_ Jofkfl/s u_ ˆofS6«L 3/÷;]8 3_ uf]bfd 3/÷;]8
O_ 3/sf] k|s[ltM -!_ cf/=l;=l;=k|m]d :6«Sr/ -@_ nf]8 ljol/Ë -#_ cGo -v'nfpg]_=================== =
-s_ cf/=l;=l;=k|m]d :6«Sr/ / cf/=l;=l;=5fgf ePsf]
-v_ cf/=l;=l;=k|m]d :6«Sr/ / h:tf kftfsf] 5fgf ePsf]
-u_ l;d]G6 9'Ëf÷O{§f hf]8fO{ / cf/=l;=l;=5fgf ePsf]
-3_ l;d]G6 9'Ëf÷O{§f hf]8fO{ / h:tf kftfsf] 5fgf ePsf]
-ª_ df6f] 9'Ëf÷O{§f hf]8fO{ / 9'Ëf÷h:tf kftfsf] 5fgf ePsf]
-r_ cGo lsl;d -v'nfpg]_=========================

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 237

$= lwtf]df /fVg] 3/hUuf /x]sf] :yfgsf] gS;fM

pQ/

klZrd k"j{

blIf0f

238 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 %= hUuf÷38]/Lsf] d"Nof+sg cg';"rL &
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

dfnkf]t sfof{noaf6 lgwf{l/t

hUufsf] ljj/0f ahf/ d"Nosf] dflh{g
d"Nof+sgsf] hDdf shf{of]Uo lwtf] ;Ldf
========%
k|lt ljufxf÷ If]qkmn .....% n] k|lt ljufxf÷ If]qkmn ......% n] d"No n] x'g] d"No /sd
ls=g= If]qkmn lsl;d /f]kgL÷j=dL= cg';f/sf] x'g] ?= /f]kgL÷j=dL= cg';f/sf] x'g] ?= ^+( ?=
?= -!)-!!_
d"No -?=_ d"No ?= d"No -?=_ d"No ?=
! @ # $ % ^ & * ( !) !! !@

^= 3/÷ejgsf] d"Nof+sg
jf:tljs d"Nof+sg x'g] If]qkmnM ====================lj3f÷/f]kgL÷ju{ld6/ -hUufwgL btf{ k"hf{df ePsf]eGbf km/s ePdf_ / ;f]sf] sf/0f=========================

3/wgLsf] gfd 3/sf]agfj6sf] 3/sf] If]qkmn 3/sf] d"Nof+sg 3/sf] 3/ Xf;s§L /sd Xf;s§L kl5sf] dflh{g shf{of]Uo lwtf] ;Ldf
/ 7]ufgf lsl;d ju{lkm6÷ld6/ b/ k|lt d"Nof+sg ag]sf] -%^Xf;s§L 3/sf] d"Nof+sg ====% n] /sd
ju{lkm6÷ld6/ ?= hDdf b/_ n] x'g] ?= -%-&_ x'g] d"No ?= -*-(_
?= -# X $_ aif{ /sd ?= ?=
! @ # $ % ^ & * ( !)
187

-gf]6M ahf/ d"No / dfnkf]t sfof{noaf6 lgwf{l/t d"Nosf] ef/ tyf dflh{g k|rlnt lwtf] d"Nof+sgstf{ ;DaGwL sfo{ljlw adf]lhd x'g]5 ._
&= lwtf] d"Nof+sg ul/g] 3/hUufsf] ;DaGwdf lg/LIfsx?n] b]v]sf tyf cGo t];|f] kIfx?;Fu ePsf] 5nkmndf
kfPsf b]xfosf ljifox?sf af/]df ;d]t pNn]v ug'{xf]nf .
k|dfl0ft gSzfcg';f/ le8]sf] gle8]sf]
a;f]af;of]Uo ePsf] gePsf]
ljqmLof]Uo /x]sf] g/x]sf]
ljjfb/lxt ePsf] gePsf]
gbL÷vf]nfgfnfaf6 ;'/lIft ePsf] gePsf]
klx/f]af6 ;'/lIft ePsf] gePsf]
xfO{6]G;g nfOgleq kg]{ gkg]{
;fj{hlgs ;DklQleq kg]{ gkg]{
hUuf clwu|x0f x'g ;Sg] g;Sg]
a}+snfO{ :jLsf/of]Uo ePsf] gePsf]
*= lwtf] d"Nof+sgstf{sf] l;kmfl/zM
pk/f]Qm lwtf] d"Nof+sgsf] cfwf/df -bkmf %+bkmf ^ cg';f/_ ?=================.–-cIf]?kL ====================
===============nfO{ clwstd shf{of]Uo lwtf] ;Ldf sfod ug{ l;kmfl/z ub{5f} .
lwtf] d"Nof+sg ug{] sd{rf/Lx?sf]
b:tvtM !========================== @======================
gfdM != ======================== @======================
kb÷sf]8 g+=M ===========================
ldltM
(= lwtf] ;ldIffM
lwtf] d"Nof+sgstf{x?n] u/]sf]] lwtf] d"Nof+sgsf] l;kmfl/z tyf bkmf % / bkmf ^ sf cfwf/df lwtf] d"Nof+sgsf]
;ldIff u/L ?==============.–-cIf]?kL ======================================_ nfO{ clwstd shf{of]Uo lwtf]
;Ldf sfod ug{ l;kmfl/z ub{5'÷5f}+ .
lwtf] ;dLIff ug{] sd{rf/Lsf]
b:tvtM ===========================
gfdM ===========================
kb÷sf]8 g+=M ===========================
ldltM
!)= lwtf] :jLs[t ug{] clwsf/Lsf] lg0f{oM
lwtf] d"Nof+sgstf{x? / ;dLIfsaf6 l;kmfl/z ePsf] d"Nof+sgsf] cfwf/df bkmf % adf]lhd hUufsf]
d"Nof+sg ?===========================-cIf]?kL ===========================================_ / bkmf ^ adf]lhd
3/ejgsf]] d"Nof+sg ?=============================-cIf]?kL======================================_ ul/ s'n d"No
?==================================-cIf]?kL ==============================================================_ sfod
ug{] / ;f] d"Nosf] ======Ü n] dflh{g ?========================== s6fpFbf afF+sL x'g] d"No ?======================.–
-cIf]?kL=====================================================_ nfO{ clwstd shf{of]Uo lwtf] ;Ldf sfod ug]{
lg0f{o ub{5' .
k|aGwssf] gfdM=============================
b:tvtM===============================
sf]8 g+=M===============================
ldltM

240 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL *
s[lif ljsf; a}+s ln= kmf]g g+=M =========
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
ˆofS; g+=M ==========
====================sfof{no,===============================
lwtf] d"Nof+sgsf] nflu d"Nof+sgstf{nfO{ lbOg] kqsf] gd'gf
-shf{ sfo{ljlw @)&# sf] bkmf $$ ;Fu ;DalGwt_

r=g+= ldltM ================

>L =========================
============================

ljifoM lwtf] d"Nof+sg u/L k|ltj]bg k]z ug]{ ;DaGwdf .

dxfzo,
pk/f]Qm ;DaGwdf o; a}+ssf] lwtf] d"Nof+sgstf{ ;DaGwL sfo{ljlw–@)^% -klxnf] ;+;f]wg–@)^*_ df Joj:yf
ePcg';f/ a}+saf6 k|jfx x'g] shf{ tyf cGo sfo{sf] nflu k|fKt x'g] lwtf] 3/÷hUuf÷ldn d]lzg/Lx?sf] d"Nof+sg
o; a}+ssf] ;"rLs[t d"Nof+sgstf{af6 u/fpg'kg]{ ePsf]n] tkfO{+nfO{ cfjZos ;Dk"0f{ sfuhft ;DalGwt u|fxs;Fu
lnO{ tklzn adf]lhdsf] JolQm÷kmd{÷sDkgLsf] gfdsf] lwtf] d"Nof+sg u/L a}+sn] tf]s]sf] kmd]{6df & lbgleq
lwtf] d"Nof+sg k|ltj]bg k]z ug{' x'g cg'/f]w 5 .
k'gZrM tkfO{+ tyf tkfO{+sf] kmd{af6 ul/g] d"Nof+sg sfo{ o; a}+ssf] lwtf] ;'/If0f d"Nof+sg lgb]{lzsf–@)^%
-klxnf] ;+;f]wg–@)^*_ sf] clwgdf /xL lgikIf Pj+ :jtGq?kdf d"Nof+sg sfo{ ug'{ x'g]5 eGg] a}+sn] ljZjf;
lnPsf] 5 . ;fy} s'g} u}/ sfg"gL sfo{ u/]sf]÷ePsf] kfO{Pdf tkfO{+nfO{ sfnf];"rLdf /fvL sfg"gL sf/jfxL x'g]
hfgsf/L ;d]t o;} kq4f/f hfgsf/L u/fpb5f} .
tklzn
3/÷hUufwgLsf] 3/sf] tnf /
lhNnf g=kf=÷uf=kf= j8f g+= ls=g+= l;6 g+= If]qkmn
gfd If]qkmn

af]wfy{M
>L ===================
========================

ejbLo,
==========================
k|aGws÷shf{ clws[t

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 241

 s[lif ljsf; a}+s ln=
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
cg';"rL (
====================sfof{no,=============================== kmf]g g+= =================
lwtf] d"Nof+sgstf{n] d"Nof+sg u/]kl5 a}+sn] ug]{ ˆofS; g+= ==============
;dLIff tyf :jLs[lt kmf/fd ldltM ====================
-shf{ sfo{ljlw @)&# sf] bkmf $$ ;Fu ;DalGwt_

u|fxssf] gfdM ===================================================-k|f]=÷;+= =================================_

7]ufgfM ================================================
lwtf] d"Nof+sgstf{sf] gfd÷7]ufgfM ================================================
lwtf] d"Nof+sgstf{sf] sfo{If]q / d"Nof+sg ug{ ;Sg] clwstd ;Ldf /sdM ======================
d"Nof+sgstf{sf] sfod /x]sf] ;Demf}tf cjlwM ldlt ==================== ;Dd
lwtf] d"Nof+sgstf{af6 d"Nof+lst /sdM ?================================
lwtf]sf] ljj/0fM lwtf]sf] lj:t[t ljj/0f b]xfo adf]lhdsf] /x]sf] 5M

u|fxs÷u|fxssf] Psf3/÷t]>f] kIfsf] lwtf]sf] ljj/0f

lwtf]sf] ljj/0f
lwtf]wgLsf] u|fxs :jfldTj :jfldTj hUufsf] 3/sf]
gfdy/ / ;+usf] Uff=kf=÷ j8f lsQf l;6 hUufsf] 3/sf] x:tfGt/0fsf] x:tfGt/0fsf] d"Nof+sg d"Nof+sg
qm=;+= 7]ufgf Gfftf lhNnf g=kf= g+ g+ g+ If]qkmn If]qkmn k|sf/ ldlt /sd /sd

hUUffsf] s'n d"Nof+sg

3/sf] s'n d"Nof+sg
hDdf d"Nof+sg
dflh{g ======== Ü / /sd
====== k|ltzt dflh{g s§f u/L sfod ePsf] /sd
lwtf] d"Nof+sgstf{af6 ePsf] d"Nof+sg /sd / lwtf] ;dLIff /sd km/s ePdf ;f]sf] sf/0fM -v'nfpg'kg]{_
 lwtf] afF8kmFf8 tyf dflh{g k|ltztsf] ;dLIffM

laj/0f /sd Dfflh{g k|ltzt tyf /sd Dfflh{g s§L kZrftsf] /sd
s'n lwtf] /sd -dflh{g gs6fPsf]_M
shf{sf] nflu k|of]u x'g] s'n /sdM ========Ü
s_ afFsL /sdM
v_ cltl/Qm lwtf]M
!_ Gfub dflh{g
@_ d'2tL /l;b
u_ cGo kIfaf6 k|of]u ug{ d~h"/L lnPsf] lwtf] /sdM
s'n afFsL lwtf] /sd -s±v±u_
s'n afFsL lwtf]af6 cGo kIfnfO{ k|of]u ug{ d~h"/L lbPsf] /sdM

pk/f]Qm cg';f/sf] lwtf]sf] ljj/0f tyf lwtf] afF8kmfF8sf] ;dLIff cg';f/ shf{ tyf ;'ljwfsf] nflu k|of]u x'g] ?====== ======== df ======= k|ltztn] x'g] /sd
?=== ========= dflh{g s6fO{ afFsL x'g cfpg] /sd ?============= == -cIf/]kL ================== dfq_ s"n shf{of]Uo lwtf] ;Ldf sfod u/L afFsL /sd
?=========== == dWo] ?=========== -cIf/]kL =========================== dfq_ ;'ljwfof]Uo lwtf] ;Ldf sfod ug{ l;kmfl/z÷;dLIff÷:jLs[t ub{5f}+ .

l;kmfl/z ug]{sf] b:tvtM ;dLIff ug]{sf] b:tvtM k|aGwssf] b:tvtM

gfdM ============ gfdM ============ gfdM ============
kbM============ kbM============
sf]8 g+============= sf]8 g+============= sf]8 g+=============
ldltM============ ldltM============ ldltM============

] 364

364 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd ;fljs cg';r

' L k|ltZyflkt ePsf]
 s[lif ljsf; a}+s ln= s[lif ljsf; a}+s ln=
-g]kfn /fi6 a}+saf6 …sÚ ju{sf] Ohfhtkq k|fKt ;+:yf_ [cg';"rL !)
=============================sfof{no===========================
-shf{ sfo{ljlw @)&# sf] bkmf #=#=$) ;Fu ;DalGwt_
h]yf hdfgL ;xdlt kq
==================================sf] 5f]/f÷a'xf/L =====================sf] >LdtL ============lhNnf ============= g=kf=÷uf=kf=,
j8f g+====, ================ a:g] jif{ ========== sf] gf=k|=g+= =================-ldlt ==========, ==========lhNnf_ afxs
=============== sf] gfddf dfnkf]t sfof{no =============df btf{ >]:tf sfod /x]sf] ============== lhNnf
=================== g=kf=÷uf=kf=, j8f g+======l:yt ls=g+= ===== If]qkmn ==========sf] hUuf tyf ;f]n] rr]{sf] ;Dk"0f{
lnunufkft ;d]t s[lif ljsf; a}s lnld6]8 ==========sfof{no======nfO{ lwtf] w/f}6L n]lvlbPsf]df d]/f]÷xfd|f] k"0f{
d~h"/L 5 . 3/÷hUufwgL jf lghn] d~h"/Lgfdf lbPsf] JolQm÷kmd{÷sDkgLn] s[lif ljsf; a}+s lnld6]8
-@_
-!_
;fIfL M–

=========sfof{no==============;Fu ljleGg lsl;dsf] a}+lsË ;'ljwf jf shf{ n]gb]g sf/f]af/ k6s k6s jf Ps}
k6s u/L jf gjLs/0f ug'{ k/]df a}+sn] k6s k6s gjLs/0f ;d]t ug{ ;Sg] u/L pkef]u ug{ pk/f]Qm
3/÷hUuf lwtf] /fvL a}+lsË sf/f]af/ jf shf{ n]gb]g sf/f]jf/ ubf{ ul/lbPsf] lnvt cg';f/sf] C0f ;'ljwf
oyf ;dodf r'Qmf geO{ lwtf] h]yf lgodfg';f/ u/L a}sn] cfˆgf] :jfldTjdf lng' kg]{ cJf:yf cfOk/]df ;f]
h]yfdf d]/f] klg xs clwsf/ nfUg] 5 egL d÷xfdL tklznsf] JolQmn] s'g} lsl;dsf] bfjL lj/f]w, v/ lvrnf]
ug]{ 5}g÷5}gf}+, u/]df o;} lnvt adf]lhd ab/ x'g]5 egL d]/f]]÷xfd|f] dgf]dfgL /fhLv';Lsf ;fy o; lnvtdf
n]lvPsf] efiffsf] dtnj / kl/0ffd ;d]t a'emL s[lif ljsf; a}s lnld6]8 =====sfof{no=======df a;L of] h]yf
hdfgL ;xdlt kq (No Objection Letter) n]vL ;xL5fk u/L s[lif ljsf; a}+s lnld6]8 =======sfof{no=========nfO{
lbofF÷lbof}+ . ;fIfL lsgf/fsf ;b/ . Olt ;Djt\ @)===== ;fn ===== dlxgf ===ut] /f]h ===== z'ed\ .
tklzn
gfd gf=k|=g+=÷ldlt÷lhNnf gftf ;xL÷5fk
!= >L =========== =========== ========== ===========
@= >L =========== =========== =========== ===========
#= >L =========== =========== =========== ===========
$= >L =========== =========== =========== ===========
a}+ssf] tkm{af6M sd{rf/Lsf] gfdM ========================== kb÷sf]8 g+M ======================b:tvt =============================
] 365

365 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd ;fljs cg';'rL k|ltZyflkt ePsf]

244 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL !!
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
=============================sfof{no============================
u|fxs;Fu lng'kg]{ sfuhftx?sf] r]s ln:6
s_ lwtf] ;'/If0f ;DaGwL sfuhftx? .
sfuhftsf] ljj/0f /x]sf] g/x]sf]
hUufwgLsf] gful/stfsf] k|df0fkqsf] k|ltlnkL
hUufwgL btf{ k|df0fk'hf{sf] k|ltlnkL
rfn' cf=j=sf] dfnkf]t s/ tyf 3/ s/ lt/]sf] /l;b÷k|df0f
lwtf] lnOg] 3/ hUufsf] kmf]6f]
k|dfl0ft An'lk|G6 gSzf, gfkL gSzf tyf 6]«; gSzf -^ dlxgf cjlw ggf3]sf]_
lwtf]df /xg] hUufsf] rf/ lsNnf l;kmfl/z kq -# dlxgf cjlw ggf3]sf]_
3/ lwtf]df /xg] eP 3/sf] k|dfl0ft gSzf tyf ;DalGwt lgsfoaf6 lnO{Psf] lgdf{0f
O{hfhtkq
3/ lwtf]df /xg] eP lgdf{0f ;DkGgsf] k|df0fkq [÷ ;DalGwt :yfgLo lgsfon] pknAw
u/fPsf] clen]vLs/0f ul/Psf] kq ] 366
3/sf]] aLdf u/]sf]÷aLdf gjLs/0f u/]sf]
hUuf k|fKtLsf] >f]t v'Ng] sfuhft÷sfg"gL xbDofb k'u]sf]
3/fo;L d~h"/Lgfdf÷kfl/jfl/s ;xdlt kq
Kn6 /lhi6/÷lkmN8a's ptf/

v_ Joj;fo btf{ ;DaGwL tyf cGo sfuhftx? .

sfuhftsf] ljj/0f /x]sf] g/x]sf]
kmd{ tyf sDkgLsf] xsdf
g]kfn ;/sf/sf] ;DalGwt lgsfodf btf{ eO{ lgoldt gjLs/0f ePsf] k|df0f–kq
cfjZostfcg';f/ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 lnPsf] O{hfht–kq /
gjLs/0fsf] k|ltlnkL
PAN÷VAT btf{sf]k|ltlnkL
ut cf=j=sf] s/ r'Qmf k|df0f–kq

366 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 245
 s[l f ljsf; as ln=
cg';"rL !!
ljut @ cfly{s jif{sf] n]vf k/LIf0f ePsf] ljQLo ljj/0fsf] k|ltlnkL -?=@) nfv
dflysf] shf{sf] xsdf_
k|f]k|fO{6/sf] gful/stfsf] k|df0f–kqsf] k|ltlnkL [, JolQmut ljj/0f] 367 tyf kf;kf]6{
;fOhsf] kmf]6f] yfg !
;fem]bf/L kmd{sf] xsdf yk sfuhftx?
;fem]bf/L ;Demf}tf÷sj"lnotgfdf / z]o/ cg'kft v'Ng] sfuhft .
shf{ sf/f]jf/ ;DaGwL lg0f{o -shf{ lng] /sd / p2]Zo, shf{sf] nflu lnOg] lwtf],
sf/f]jf/ ug]{ clVtof/L / vftf ;+rfng ;DaGwdf_
;Dk"0f{ ;fem]bf/x?sf] JolQmut hdfgL kq .
;Dk"0f{ ;fem]bf/x?sf] gful/stfsf] k|df0f–kqsf] k|ltlnkL [, JolQmut ljj/0f] 368 tyf
kf;kf]6{ ;fOhsf] kmf]6f] yfg ! .
k|f=ln= tyf klAns sDkgLsf] xsdf yk sfuhftx?
sDkgLsf] k|aGw kq / lgodfjnLsf] k|ltlnkL / ;f]df ;+;f]wg eP ;f];d]t
sDkgLsf] cBfjlws r'Qmf k'FhL, z]o/ nut / ;+rfnssf] nutsf] k|ltlnkL .
;+rfnsx?sf] gful/stfsf] k|ltlnkL, [JolQmut ljj/0f tyf ] 369 kf;kf]6{ ;fO{hsf]
kmf]6f] yfg !÷!
;+rfnsx?sf] JolQmut hdfgL kq .
shf{ sf/f]jf/ ;DaGwL lg0f{o -shf{ lng] /sd / p2]Zo, shf{sf] nflu lnOg] lwtf],
sf/f]jf/ ug]{ clVtof/L / vftf ;+rfng ;DaGwdf_

kl/of]hgf ;DaGwdf
kl/of]hgfsf] ljj/0f 5 5}g
kl/of]hgfsf] ;a} kIfsf] ;DefJotf cWoog ul/Psf] lj:t[t Joj;flos of]hgf -?=%
s/f]8eGbf a9Lsf] shf{sf] xsdf_
Go"gtd # cf=j=sf] k|If]lkt ljQLo ljj/0fx?
:6s -df}Hbft_, Receivables / Payables sf] k|dfl0ft ul/Psf] ljj/0f
kl/of]hgf:yn Psf3/ kl/jf/sf] gfdsf] ePdf ;f]sf] hUufwgL btf{ k|df0fk"hf{ sf]
k|ltlnkL .
ef8fdf lnO{ kl/of]hgf ;+rfngdf ug]{ jf ul//x]sf] ePdf kl/of]hgfsf] k|s[lt cg';f/
cjlw pNn]v ePsf] ;Demf}tf kq .
kl/of]hgfsf] kmf]6f] .

367 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk

368 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk
369 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk

246 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 [?=%) s/f]8 jf ;f] eGbf a9Lsf] shf{ pkof]u ug]{ shf{ u|fxsnfO{ shf{ k|jfx jf
gjLs/0f ubf{ shf{ u|fxssf] qm]l86 /]l6Ë Ph]G;Laf6 ul/Psf] /]l6Ë . ] 370

cfDbfgL >f]t ;DaGwL sfuhft

cfo >f]tsf] ljj/0f 5 5}g
3/hUuf ef8f eP ;f]sf] ;Demf}tf, hUufwgL btf{ k|df0f k'hf{, 3/sf] kmf]6f] tyf 3/
lgdf{0fsf] ;DkGgtf .
Salary Certificate & Account Statement

Joj;fosf] cfDbfgL v'Ng] sfuhft -btf{ k|df0fkq, PAN, Audit Report, s/ r'Qmf
k|df0f cflb_
cGo======
cGo sfuhft tyf ljj/0f
sfuhftsf] ljj/0f 5 5}g
shf{sf] lgj]bg
k|f]ld;/L gf]6
rNtL÷shf{ vftf vf]n]sf] k|df0f
shf{ u|fxs JolQm ePdf gful/stfsf] k|df0fkqsf] k|ltlnkL, kf;kf]6{ ;fOhsf] kmf]6f]
yfg !
JolQmut hdfgt (Personal Guarantee) lnPsf]
3/ lgdf{0f nfutsf] cg'dfg (Detailed Cost Estimate)
;fv ;"rgf -_ tyf ax'–a+}lsª sf/f]jf/ sf] ljj/0f
cWofjlws KYC (Know Your Customer) /CDD ;DaGwL kmf/fd
3/÷38]/L v/Lbstf{ / ljqm]tfaLr ePsf] v/LblaqmL ;Demf}tf, ljqm]tfsf] ;xdltkq,
lghsf] gful/stfsf] k|df0fkq / kmf]6f]
7]Ssfk§f;Fu ;DalGwt ;Demf}tfkq, h]=le=;Demf}tf tyf clVtof/L
v/Lb ul/g] ;jf/L ;fwgsf] cflwsfl/s sf]6]zg
dflyNnf] lgsfoaf6 shf{ :jLs[t ubf{ /flvPsf zt{x? k"/f ePsf]
shf{sf] k|f]8S6cg';f/ cGo cfjZos sfuhftx?
u|fxsn] k]z u/]sf] pk/f]Qm sfuhftx? Pscfk;df le8]sf 5g\ . sfuhftx? ?h' u/L k|df0fLs/0f ul/Psf] 5 .

r]slni6 tof/ ug]{ sd{rf/Lsf]

gfdM kbM sf]8 g+=M b:tvtM ldltM

sfuhftx? ?h' ug]{ sd{rf/Lsf]

gfdM kb, sf]8 g+=M b:tvtM ldltM
370 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd yk
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 247
 s[lif ljsf; a}+s ln=
kmf]6f]
===================sfof{no===================
JolQmut shf{ :jLs[lt k|:tfj
-shf{ sfo{ljlw, @)&# sf] bkmf !^ ;Fu ;DalGwt_
[cg';"rL !@=! ]371

shf{÷;'ljwf cfj]bgsf] btf{ g+=÷ldlt u|fxssf] ldl;n g+=

kl/of]hgf÷lwtf]sf] :ynut lg/LIf0f ldlt u|fxs g+=÷Customer ID
shf{ ;"rgf lnPsf] ldlt tyf shf{sf]
cj:yf
shf{ tyf ;'ljwfsf] ;+If]k k|:tfj
;d"xsf] gfd ;d"x sf]8 gofF÷yk÷gjLs/0f÷k'g/tflnlss/0f÷cGo

v08 !M
cfj]bssf] ljj/0f
!=! cfj]bssf] ljj/0fM
cfj]bssf] gfd y/
gf=k|=g+=÷hf/L ug]{ lhNnf÷hf/L ldlt
:yfoL n]vf gDa/ -?=%) nfv jf ;f]eGbf a9L shf{sf nflu
clgjfo{_
:yfoLM k|b]z÷lhNnf÷uf=kf=÷g=kf=
7]ufgfM
xfnM k|b]z÷lhNnf÷uf=kf=÷g=kf=
;Dks{ g+=÷Od]n 7]ufgf

!=@ Psf3/ kl/jf/sf] ljj/0fM -Psn u|fxs shf{ ;d"x cGtu{t o; a}+saf6 shf{ ;'ljwf kfPsf cGo k|fs[lts JolQm eP ;f] ;d]t_
cGo a}+s jf
o; a}+saf6
ljQLo
qm= u|fxs;Fusf] ;Dks{ gf=k|=g+=÷ k"j{ :jLs[t
gfd 7]ufgf hGd ldlt ;+:yfaf6 k"j{
;+= ;DaGw g+= lhNnf÷ldlt shf{ ;Ldf
:jLs[t shf{
?=
;Ldf ?=

!=# Psn u|fxs shf{ ;d"x cGtu{tsf ;+:yfsf] ljj/0fM

ljj/0f ! @ #
;+:yfsf] gfd
btf{ g+= / ldlt
btf{ ePsf] lgsfo
aflif{s sf/f]af/ /sd ?=
sf/f]af/sf] k|s[lt
o; a}+ssf] sf/f]jf/sf]

371 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd ;fljs cg';'rL k|ltZyflkt ePsf]

248 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 u|fxssf] gfdM
s[lif ljsf; a}+s ln= u|fxs g+M

ljj/0fM ?=
======================= shf{ ?=
======================= hdfgt ?=
========================k|tLtkq
cGo a}+s tyf ljQLo
;+:yfsf] sf/f]jf/sf] ljj/0fM
======================= shf{
======================= hdfgt
=========================k|tLtkq

!=$ u|fxssf] yk ljj/0fM

-s_ u|fxssf] k[i7e"dL -rl/q, ;fdflhs k|lti7f, z}lIfs k[i7e"dL, cg'ej cflb_

-v_ u|fxs tyf Psf3/ kl/jf/sf] ljut tyf xfn ;+nUg k]zf tyf Joj;fosf] ljj/0fM

v08 @M
u|fxssf] shf{ ;DaGwL ljj/0f

@=! u|fxssf] a}+s tyf ljQLo ;+:yf;Fu ePsf] shf{÷;'ljwf sf/f]jf/sf] cj:yfM
sf/f]af/sf] ljj/0f s[lif ljsf; a}s ln= cGo a}+s jf ljQLo s'n /sd ?= jlu{s/0f
;+:yf
;Ldf ?= afFsL ?= ;Ldf ?= afFsL ?= ;Ldf ?= afFsL ?=
sf]if Psn
u}/ sf]if Psn
sf]if ;d'x
u}/ sf]if ;d'x

@=@ xfn shf{ dfu /sdM

zLif{s k"j{ :jLs[t shf{ ePdf gofF÷yk÷36 s'n ;Ldf ?=
;Ldf ?= afFsL ?= :jLs[t clGtd e'QmfgL

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 249

 s[lif ljsf; a}+s ln= u|fxssf] gfdM
u|fxs g+M

ldlt ldlt
===============shf{
===============shf{
hDdf sf]ifdf
cfwfl/t shf{
============ hdfgt
hDdf u}/ sf]ifdf
cfwfl/t ;'ljwf
hDdf

@=# shf{ ;"rgf ;DaGwL ljj/0fM

shf{ shf{ ef=gf= ;fFjf ljj/0fx?
shf{ ;"rgf lnOPsf a}+ssf] ;"rgf shf{sf] sfnf];"rLdf
qm=;+= ÷;'ljwfsf] ÷;'ljwf ÷Jofh ?h'
JolQm÷;+:yfsf] gfd gfd lnPsf] ldlt au{ /x]÷g/x]sf]
zLif{s /sd ?= /sd eP÷gePsf]

@=$ k|:tfljt shf{ tyf ;'ljwfsf] z'Ns, hl/jfgf tyf cg'dflgt nfeM
hDdf ;]jf z'Ns ?= jflif{s Jofh cfDbfgL ?=
sldzg cfo ?= cg'dflgt dfl;s lgIf]k ?=
lwtf] d"Nof+sg z'Ns ?= sld6d]G6 z'Ns b/
zfv ;'rgf z'Ns ?= hl/jfgf Jofhb/

@=% cGo zt{ tyf kl/zt{x?M

k|:tfljt cfjZostfsf] sf/0f tyf zt{ tyf kl/zt{ g]=/f=a}+s CBS
shf{ k|bfg ug'{sf] cf}lrTotf -Jofhb/, hdfgt b/, dflh{g, sld;g, u|]; cjlw, e'QmfgL cjlw, sf]8 sf]8
tyf e'QmfgL tl/sf -dfl;s, q}dfl;s===_, aLdf, cflb_ -(=#, (=# (Product,
Sub-
;'ljwf Jofhb/÷ dflh{g z'Ns u|]; e'QmfgL e'QmfgL aLdf cGo s, (=$, product,
zLif{s sldzg cjlw cjlw tl/sf Basel, Activity,
b/ Deprived Sub-
SL_ activity)

cGo zt{x?M
-!_==============
-@_==============

@=^ k|:tfljt :yL/ k|s[ltsf] shf{sf] xsdf s'n nfutdf shf{ / :jnfutsf] cg'kftM
ljj/0f OsfO{ kl/df0f b/ hDdf ?= :jnfut ?= shf{ ?= shf{ Ü
=============================
=============================
hDdf

250 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 u|fxssf] gfdM
s[lif ljsf; a}+s ln= u|fxs g+M

v08 #M
u|fxssf] lwtf] ;DaGwL ljj/0f
#=! 3/hUuf lwtf] ;'/If0fM
lwtf]sf] ljj/0f hUufsf] 3/sf]
lwtf]wgLsf] gfd u|fxs;Fu
qm=;+= Uff=kf=÷ lsQf l;6 :jfldTj kl/jt{gsf] hUufsf] 3/sf] d"Nof+sg d"Nof+sg
y/ / 7]ufgf ;DaGw lhNnf j8f g+=
g=kf= g+= g+= k|sf/ d"No ?= ldlt If]qkmn If]qkmn /sd ?= /sd ?=
1
2
3
hUUffsf] s'n d"Nof+sg ?=
3/sf] s'n d'Nof+sg ?=
hDdf d"Nof+sg ?=
-lwtf] d"Nof+sgstf{af6 ePsf] d"Nof+sg /sd / lwtf] ;dLIff /sd km/s ePdf ;f]sf] sf/0f v'nfpg'kg]{_

#=@ z]o/ ;'/If0fsf] d"Nof+sgM

z]o/sf] clGtd !*)÷!@) sf/f]jf/ lbgsf] shf{sf] nflu sfod ePsf]
qm=;+= hf/L ug]{ ;+:yf z]o/sf] k|s[lt z]o/ ;+Vof hDdf d"Nof+sg ?=
d"No ?= cf};t d"No ?= d"No ?=
1
2
hDdf

#=# ;'g rfFbLsf] d"Nof+sgM

qm=;+= dfn;fdfgsf] gfd cj:yf yfg tf}n b/ ?= d"Nof+sg ?=
1
2
hDdf
 s[lif ljsf; a}+s ln= u|fxssf] gfdM
u|fxs g+M
#=$ shf{ ;'ljwf k|of]hgsf] nflu lwtf]sf] ljj/0fM
qm=;+= ljj/0f Dflh{g s§L cl3sf] /sd ?=
! 3/÷hUufsf] s'n d"Nof+sg -#=! cg';f/_
!=! Psf3/ kl/jf/sf]
!=@ t];|f] kIfsf]
@ cGo lwtf]
@=! gub÷lgIf]k
@=@ d'2tL lgIf]k /sd
@=# ============================
# =======================af6 d~h"/L lnO{ k|fKt
$ -–_=======================nfO{ k|of]u ug{ d~h"/L lbOPsf]
v'b lwtf] /sd ?=

#=% shf{÷;'ljwfsf nflu lwtf] cfjZostf lgwf{/0fM

u|fxssf] k|sf/ gofF tyf k6s]÷lnld6 lng] gofF÷^ dlxgfb]lv sf/f]jf/ ug]{÷c;n u|fxs
qm=;+ lnld6 /sd dflh{g sl§kl5sf] lwtf] dflh{g dflh{g cl3sf]
= zLif{s ?= lwtf] se/]h Ü lwtf] /sd ?= Ü d"Nof+sg ?=
1 =========shf{
2 =========
hDdf

#=^ l/on :6]6 shf{sf] xsdf Loan to Value Ratio

-s_ l/on :6]6 shf{ /sd ?=
-v_ l/on :6]6 shf{sf nflu lnOPsf] lwtf]sf]] Fair Market Value (FMV) /sd ?=
-u_ LTV Ratio -s÷v_

#=& JolQmut hdfgt lbg]sf] ljj/0fM

qm=;+= gfd y/ 7]ufgf gf=k|f=g+=÷lhNnf÷ldlt ;Dks{ g+= u|fxs;Fusf] g]6jy{ ?=
;DaGw

#=* lwtf] ;'/If0f tyf kl/of]hgfsf] aLdfM

aLdfn]v ;dfKt x'g]
ljj/0f aLdf+s /sd ?= aLdf sDkgLsf] gfd hf]lvd jxg
ldlt
kl/of]hgf
lsQf ==========sf] ejg
:6s -df}Hbft_
;jf/L ;fwg g+M =============
==============

252 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 u|fxssf] gfdM
s[lif ljsf; a}+s ln= u|fxs g+M

v08 $M
u|fxssf] ljljw kIfsf] ljZn]if0f

$=! cfDbfgL vr{sf] ljZn]if0fM

a}+ssf nflu
a}+ssf nflu
aflif{s cfDbfgL zLif{s aflif{s vr{ zLif{s :jLsf/of]Uo vr{
:jLsf/of]Uo cfo ?=
?=
btf{ u/]sf] Joj;foaf6 v'b gfkmf*
!_ ===================================== ;~ro÷cjsf; sf]if
@_ =====================================
btf{ gu/]sf] s[lif Joj;fosf] v'b gfkmf cfos/
-a}+ssf] dfkb08 cg';f/_
===========================sf] k]G;g cfo vfgf tyf rf8kj{
u|fxssf] s'n tna lzIff
u|fxssf] >Ldfg jf >LdtLsf] tnj kf]zfs
ef8f cfo :jf:Yo
cGo lgoldt cfo aLdf
======================================= 3/ef8f
s'n cfo -s_ s'n vr{ -v_
jflif{s v'b art -s–v_
*
-!) nfv eGbf a9L shf{sf nflu n]vfk/LIf0f k|ltj]bg clgjfo{ / ;f] eGbf sd ePdf Joj;foL cfkm}n] tof/ u/]sf] ljQLo k|ltj]bg lng' kg]{5 ._

$=@ jflif{s shf{ e'QmfgL Ifdtf lgwf{/0fM

qm=
ljj/0f /sd ?=
;+=
1 s'n cfo (Gross Income)
2 jflif{s v'b art
3 ;fFjf
o; a}+saf6 k"j{ :jLs[t shf{sf] aflif{s e'QmfgL ug'{ kg]{
4 Jofh
5 ;fFjf
cGo a}+s tyf ljQLo ;+:yfaf6 k"j{ :jLs[t shf{sf] aflif{s e'QmfgL ug'{ kg]{
6 Jofh
7 ;fFjf
k|:tfljt shf{sf] aflif{s e'QmfgL ug'{ kg]{
8 Jofh
9 s'n aflif{s bfloTj (Annual Debt Obligation) -# b]lv * sf] hf]8_
10 Interest Coverage Ratio -Go'gtd !=!% x'g' kg]{_ --$±^±*_÷@_
11 Debt Service Coverage Ratio -(÷@_
12 Debt Service to Gross Income Ratio (DTI) -(÷!_

$=# u|fxssf] ;DklQ tyf bfloTjsf] ljj/0fM

;DklQsf] ljj/0f cg'dflgt bfloTjsf] ljj/0f cg'dflgt d"No
d"No ?= ?=
3/÷hUuf s[lif ljsf; a}+s ln=df ePsf] shf{ /sd
uf8L÷df]6/;fO{sn cGo a}+sdf ePsf] shf{ /sd
z]o/÷C0fkq cGo bfloTj
;'g, rfFbL tyf cGo u/uxgf
s[lif ljsf; a}+s ln=df ePsf] a}+s

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 253

 s[lif ljsf; a}+s ln= u|fxssf] gfdM
u|fxs g+M
df}Hbft /sd
cGo a}+sdf ePsf] a}+s df}Hbft
gub
cGo ;DklQ
s'n ;DklQ -s_ s'n bfloTj -v_
g]6jy{ ?= -s–v_

v08 %M
shf{ tyf ;'ljwf hf]lvd ljZn]if0f
%=! hf]lvd / ;f]sf] Go"gLs/0fsf pkfox?
hf]lvdx? hf]lvd Go"gLs/0fsf pkfox?
Joj;fo tyf /f]huf/ ;DaGwL hf]lvd -/f]huf/Lsf] k|s[lt– s/f/, /f]huf/Lsf] afFsL cjlw, /f]huf/bftf – ;/sf/L jf lghL, Joj;fosf] dfu, cfk'lt{,
pTkfbg, ahf/, ;/sf/L gLlt lgoddf kl/jt{g cflb_

;'/If0f ;DaGwL hf]lvd -laqmL of]Uotf, xfO6]G;g, vf]nf, t];|f] kIf, xbDofb, a;f]af;of]Uo, ljjfb/lxt, klx/f] hf]lvd, clwu|x0f x'g ;Sg] cflb_

cGo hf]lvd

n]vfk/LIf0f tyf cg'udgsf] s}lkmot

s}lkmot ;'wf/sf] cj:yf

v08 ^M
shf{ tyf ;'ljwf l;kmfl/z÷;dLIff÷:jLs[lt v08

u|fxssf] ljQLo, k|fljlws, ahf/, Joj:yfkg, cfly{s, ;fdflhs, ;'/If0f kIfsf] cj:yf / hf]lvdsf] ljZn]if0f ubf{
shf{÷;'ljwf k|bfg ug{ pko'Qm b]lvPsf]n] lhNnf ==============uf=kf=÷g=kf ===============j8f g+= ===, ==========================
a:g] >L÷>LdtL ============================================ nfO{ pNn]lvt zt{ ;'ljwf cGtu{t /xg] u/L
============================shf{÷hdfgt÷k|tLtkq zLif{sdf ?= ========== shf{÷;'ljwfsf] ;Ldf :jLs[t ug{
l;kmfl/z÷;dLIff÷:jLs[t ub{5'÷5f}+ .
-s_ l;kmfl/z ug]{M

b:tvt
gfd
kb÷sf]8 g+=
sfof{no
ldlt

-v_ ;dLIff ug]{M

b:tvt
254 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 u|fxssf] gfdM
s[lif ljsf; a}+s ln= u|fxs g+M

gfd
kb÷sf]8 g+=
sfof{no
ldlt

-u_ :jLs[lt ug]{M

b:tvt
gfd
kb÷sf]8 g+=
sfof{no
ldlt

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 255

 s[lif ljsf; a}+s ln= u|fxssf] gfdM
u|fxs g+M

shf{÷;'ljwf ;dLIff tyf :jLs[t ug]{ clwsf/Lsf] yk zt{x?M

zt{x? b:tvt

256 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL !@=@

s[lif lasf; a+}s ln=

====================sfof{no,===============================
[?= @) nfv;Ddsf] s[lif shf{÷;x'lnotk"0f{ shf{ :jLs[lt k|:tfj] 372
-shf{ sfo{ljlw @)&# sf] bkmf !^ ;Fu ;DalGwt_

shf{ ljZn]if0f / l;kmfl/;M

!= shf{ cfj]bssf] ljj/0f
shf{ cfj]bssf]] gfd -JolQm÷kmd{÷sDkgL÷;d'x_
k|f]k|fO6/÷clVtof/ k|fKt ;+rfnssf] gfd
gf=k|=g+=÷hf/L ug]{ lhNnf÷hf/L ldlt
afa'÷kltsf] gfd
Affh]÷;;'/fsf] gfd
:yfoL
lgj]bs÷u|fxssf] 7]ufgfM
xfnsf]
btf{ g+=÷ldlt÷btf{ ePsf] lgsfo
kmd{÷sDkgL÷;+:yf÷;d"xsf]
PAN÷VAT÷ldlt÷k|bfg ug]{ lhNnf
kmd{÷sDkgL÷;+:yf÷;d"xsf] 7]ufgf
kmd{÷;+:yf÷;d"xsf] gjLs/0f ePsf] cjlw ================================;Dd
kmd{ rfn' kF"hL=================l:y/ kF"hL=============
k"FhL ;+/rgf
sDkgL hf/L k"FhL==================r'Qmf k"FhL===============
;Dks{ g+=÷Od]n 7]ufgf
shf{sf] p2]ZoM
rfn' tkm{ ?=
shf{ dfu /sd ?= :yL/ tkm{ ?=
hDdf shf{ dfu ?=
@= JolQmut jf ;fd'lxs hdfgt lbg]sf] ljj/0fM
qm=;+= gfd, y/ 7]ufgf gf=k|=g+=÷lhNnf÷ldlt ;Dks{ g+=÷Od]n 7]ufgf u|fxs;Fusf] ;DaGw g]6jy{

#= ;'/If0f kIfsf] ljZn]if0fM

s_ 3/hUuf lwtf] ;'/If0f ljj/0fM
lwtf]sf] ljj/0f s"n lwtf]
lwtf]wgLsf]
qm=;+= lsQf l;6 d"Nof+sg /sd
gfdy/ / 7]ufgf lhNnf uf=kf=÷g=kf= j8f g+= If]qkmn 3/sf] ljj/0f
g+= g+=
!
@
hUUffsf] s'n d"Nof+sg ?=
3/sf] s'n d'Nof+sg ?=
hDdf d"Nof+sg -3/±hUuf_ ?=
dflh{g k|ltzt ========Ü /sd ?=
== k|ltzt dflh{g s§f u/L sfod ePsf] shf{of]Uo /sd ?
u|fxs;Fu lwtf]wgLsf] ;DaGwM

372 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd ;fljs cg';'rL k|ltZyflkt ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 257

 cg';"rL !@=@
v_ cGo ;'/If0f ;DaGwL ljj/0fM
qm=;++= ;'/If0fsf] k|sf/ ;'/If0fsf] ljj/0f s}lkmot

gf]6M 3/÷hUuf afx]s cGo ;'/If0fsf cfwf/df shf{ k|jfx ubf{ cGo ;'/If0fsf] ljj/0f clgjfo{ pNn]v ug'{ kg]{5 .
$= aLdf ;DaGwL ljj/0fM
;'/If0fsf] k|sf/ aLdf+s /sd ?= aLdfn]v ;dfKt x'g] ldlt aLdf sDkgLsf] gfd hf]lvd axg
kl/of]hgf
ejg /x]sf] lsQf g++=
:6s df}Hbft
cGo
%= shf{ ;"rgf ;DaGwL ljj/0fM
qm=;+= shf{ ;"rgf a}+ssf] gfd shf{÷;'ljwfsf] shf{ ;"rgfsf] ljj/0f ljj/0fx? ?h'
lnOPsf zLif{s /sd ldlt aSof}tf shf{sf] sfnf] ;"rL eP÷gePsf]
JolQm÷;+:yf ?= /sd ?= ju{ /x]÷g/x]sf]

^= shf{ l;kmfl/;M
^=! s[lif Joj;fo ;DaGwLM
cfjZos ;fdfu|L s[lif pkhsf] gfd hDdf
====================== ======================== ========================
kl/df0f /sd kl/df0f /sd ?= kl/df0f /sd ?= kl/df0f /sd ?=
?=
uf]7÷vf]/÷kf]v/L, 3f/
-;+Vof_ 6g]n÷lj?jf -
;+Vof_
:yL/ ;DklQ cf}hf/÷d]l;g -
;+Vof_
l;+rfO{ ;fdfu|L -;+Vof_
cGo
aLp -s]=hL=_
dn -s]=hL=_
sRrf kbfy{
bfgf ÷3fF; -s]=hL=_
sL6gfzs cf}iflw
cGo Vf]fk÷le6fldg
cGo
sfdbf/ vr{ ?=
cGo vr{ ?=
s"n vr{ ?=
:jnfut /sd ?=
s"n shf{ /sd ?=
^=@= u}/ s[lif Joj;fo ;DaGwLM
cfjZos ;fdfu|L ;fdfu|Lsf] gfd hDdf
====================== ==================== =====================
kl/df0f /sd kl/df0f /sd kl/df0f /sd kl/df0f /sd ?=
?= ?= ?=

258 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL !@=@

:yL/ ;DklQ
sRrf kbfy{

sfdbf/ vr{ ?=
cGo vr{ ?=
s"n vr{ ?=
:jnfut /sd ?=
s"n shf{ /sd ?=
gf]6M u}/ s[lif Joj;fosf nflu cfjZos ;fdfu|Lx?sf] ljj/0f / d"No u|fxsn] k]z u/]sf] nfut cg'dfg cg';f/ x'g]5 .

&= shf{ cfj]bssf] cfo Joosf] ljj/0fM

qm=;= cfo zLif{s jflif{s cfDbfgL ?= vr{ zLif{s jflif{s vr{ ?=
! s[lif hGo pkhsf] ljqmLaf6 ePsf] cfDbfgL pTkfbg nfutaf6 ePsf]
vr{
@ u}x| s[lif pkhsf] ljqmLaf6 ePsf] cfDbfgL Jofh vr{
# cGo k|;f;lgs tyf cGo vr{
hDdf hDdf
cfDbfgL÷vr{ cg'kft
hf]lvd ljZn]if0f u|]8 -?= !) nfv dflysf] shf{sf] xsdf dfq_

*= shf{ l;kmfl/;
shf{sf] zLif{s÷p2]Zo
shf{sf] cjlw
xfnsf] n=/=/= -nufgL_=========
yk shf{ /sd :yL/ k'FhL ?=
rfn' k'FhL ?=
l;kmfl/z ul/Psf] s'n shf{ /sd rfn' k'FhL shf{tkm{M ?=
:yL/ k'FhL ?=
hDdf shf{ ;Ldf ?=
5'6÷u|]; cjlw -dlxgf / aif{x? ls6fg ug]{_
e'QmfgL tflnsf -lbg, dlxgf / aif{x? ls6fg ug]{_
Jofhb/
hl/jfgf Jofhb/
;]jf z'Ns k|ltzt / /sd ?=
shf{ ;'/If0f z'Ns k|ltzt / /sd ?=
shf{ ;"rgf z'Ns ?=
lwtf] d"Nof+sg z'Ns /sd ?=
rNtL vftfdf sfod ug{'kg]{ Go"gtd df}Hbft /sd

(= shf{sf] nflu lgwf{l/t zt{÷;'ljwfx?M

1. shf{sf] Jofh dfl;s ?kdf a'emfpg' kg{]5 . ;fjfF / ;fjfFsf] ls:tf /sd tf]lsPsf] ;dodf a'emfpg' kg]{5 .
2. of] shf{ ================ls:tfdf k|bfg ul/g]5 .
3. >L÷>LdtL ========== af6 JolQmut hdfgt lng'' kg]{5 .
4. shf{ ;'/If0fdf /x]sf] 3/ hUuf ;DalGwt dfnkf]t sfof{noaf6 lwtf] /f]Ssf÷b[li6aGws x'g' kg]{5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 259

 cg';"rL !@=@
5. >L÷>LdtL=======================================================af6 lwtf]sf] d~h"/Lgfdf lng' kg{]5 . lwtf]jfnfsf] c+lzof/
xsbf/sf] ;d]t lwtf] lbgsf nflu ;xdlt lng' kg]{5 .
6. shf{ r'Qmf gx'Fbf;Dd ldn d]l;g/L÷;jf/L;fwg tyf kl/of]hgfsf] a}+s a]lglkml;o/L x'g] u/L aLdf lgoldt x'g'
kg]{5 .
7. ;x'lnotk"0f{ shf{sf] nflu Jofh cg'bfg ;DaGwL PsLs[t sfo{ljlw adf]lhd shf{ nufgL ePsf ;x'lnotk"0f{
shf{x?sf] lgIf]]k tyf shf{ ;'/If0f sf]ifjf6 clgjfo{ shf{ ;'/If0f u/fpg' kg]]{5 .
8. cGo ==========================================================================================================================

!)= shf{ l;kmfl/zM

lhNnf ==============uf=kf=÷g=kf ===============j8f g+= ============= a:g] >L÷>LdtL =============================== nfO{ dfly pNn]lvt
zt{ ;'ljwfdf ===============================sfo{sf nflu ?=====================================-cIf]/]kL ?k}o+ f
==================================dfq_ shf{ :jLs[t ug{ l;kmfl/; ub{5'÷5f}+ .

shf{ l;kmfl/;stf{sf] gfd

b:tvt
kb÷sf]8 g+=
ldltM

!!= shf{ ;dLIffM

lhNnf ================uf=k=÷g=kf= =================j8f g+= =========a:g] >L÷>LdtL ====================nfO{ dfly pNn]lvt zt{
;'ljwfdf =======================sfo{sf nflu ?=============== ===,===========sfo{sf nflu ?=== ============, ==============sfo{sf nflu ?=
=======u/L hDdf ?= ======== -cIf]/]kL ================dfq_ shf{ zLif{sdf :jLs[t ug{ ul/Psf] l;kmfl/;nfO{ ;dLIff u/L shf{
:jLs[ltsf nflu l;kmfl/; ub{5' .
shf{ ;dLIfssf] gfd
b:tvt
kb÷sf]8 g+=
ldlt

!@= shf{ :jLs[ltM

lhNnf ==============uf=kf=÷g=kf ===============j8f g+= ============= a:g] >L÷>LdtL ================ nfO{ dfly pNn]lvt zt{
;'ljwfdf ==============sfo{sf nflu ====== shf{ zLif{sdf ?========== -cIf]/k] L ===================dfq_ shf{ :jLs[t ub{5' .

shf{ :jLs[tstf{sf] gfd

b:tvt
kb÷sf]8 g+=
ldltM

260 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL !@=#
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
[?=@) nfveGbf dfly ?=%) nfv;Ddsf] ;+:yfut shf{ :jLs[lt k|:tfj]373

373 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd ;fljs cg';'rL vf/]h ul/Psf]
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 261
 cg';"rL !@=$
s[lif ljsf; a}+s lnld6]8 u|fxssf] gfdM
u|fxs g+M

============================sfof{no===================
[;+:yfut shf{÷;'ljwf :jLs[lt k|:tfj] 374
-shf{ sfo{ljlw, @)&# sf] bkmf !^ ;Fu ;DalGwt_

shf{÷;'ljwf cfj]bgsf] btf{ g+=÷ldlt u|fxssf] ldl;n g+=

kl/of]hgf÷lwtf]sf] :ynut lg/LIf0f ldlt u|fxs g+=÷Customer ID
shf{ ;"rgf lnPsf] ldlt tyf shf{sf] cj:yf
shf{ tyf ;'ljwfsf] ;+If]k k|:tfj
;d"xsf] gfd ;d"x sf]8 gofF÷yk÷gjLs/0f÷k'g/tflnlss/0f÷cGo

v08 !M
u|fxssf] ljj/0f

!=! cfj]bssf] ljj/0fM

u|fxssf] gfd
;+:yfsf] lsl;d k|f]k|fO6/÷;fem]bf/L÷;+:yf÷k|f=ln=÷ln=÷h]=le=÷;xsf/L÷;+:yf
;+nUg Joj;fo
clVtof/k|fKt JolQmsf] gfd, 7]ufgf / ;Dks{ g+=
;+:yfsf] /lhi68{ 7]ufgf k|b]z÷lhNnf÷uf=kf=÷g=kf=
;+:yfsf] xfnsf] 7]ufgf k|b]z÷lhNnf÷uf=kf=÷g=kf=
;Dks{ g+=÷Od]n 7]ufgf
k|f]k|fO{6/÷d'Vo gfd y/ / 7]ufgf
;fem]bf/÷cWoIfsf] gf=k|=g+=, lhNnf / ldlt
btf{ g+=÷ldlt÷btf{ ePsf] lgsfo
PAN/VAT/Excise÷ldlt÷lnPsf] lhNnf
btf{ gjLs/0f ePsf] cjlw
gDj/÷lnPsf] ldlt
Jofj;flos O{hfhtkq lnPsf] lgsfo
gjLs/0f cjlw
kmd{÷;+:yf÷;xsf/L rfn' k'FhL====================================== l:y/ k'FhL===================================
k'FhL ;+/rgf
sDkgL hf/L k'hF L ==================================== r'Qmf k'FhL===================================
!=@ Jofkf/÷pBf]usf] lj:t[t ljj/0fM
-s_ u|fxs÷Joj;fosf] k[i7e"dLM

-v_ k|f]kfO6/÷;~rfnsx?sf] k[i7e"dL÷Profile

374 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd ;fljs cg';'rL k|ltZyflkt ePsf]

262 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 u|fxssf] gfdM
cg';'rL !@=$ u|fxs g+M
s[lif ljsf; a}+s lnld6]8

-u_ ljut tyf xfn ;+nUg /x]sf] Joj;fosf] ljj/0fM

-3_ Joj;fo ;~rfng k|lqmofM

-ª_ efjL of]hgfsf] lj:t[t ljj/0fM

-r_ ;+:yfsf] ;jn kIf tyf cj;/x?M

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 263

 cg';"rL !@=$
s[lif ljsf; a}+s lnld6]8 u|fxssf] gfdM
u|fxs g+M

-5_ ahf/ tyf pBf]u ljZn]if0f -Market and Industry Analysis_M

!=# k|f]kfO6/÷;fem]bf/x?÷k|f=ln=sf z]o/wgLx?÷;+rfnsx?sf] ljj/0f

-Psn u|fxs shf{ ;d"x cGtu{t o; a}+saf6 shf{ ;'ljwf kfPsf cGo k|fs[lts JolQm eP ;f] ;d]t_
cGo a}+s jf
o; a}+saf6
afh]÷ gf=k|=g+=÷ ljQLo
qm= afa'sf] ;Dks{ z]o/ k"j{ :jLs[t
gfd 7]ufgf ;;'/fsf] hGd ldlt lhNnf÷ ;+:yfaf6 k"j{
;+= gfd g+= cg'kft shf{ ;Ldf
gfd ldlt :jLs[t shf{
?=
;Ldf ?=

-k|f=ln= df w]/} z]o/wgL /x]sf] cj:yfdf ;a} ;+rfnsx? / !) k|ltzt / ;f]eGbf a9L z]o/ :jfldTj ePsf z]o/wgLsf] ljj/0f dfq pNn]v ug{'
kg]{5 ._
!=$ Psn u|fxs shf{ ;d"x cGtu{tsf cGo ;+:yfsf] ljj/0fM
ljj/0f ! @ #
;+:yfsf] gfd
btf{ g+= / ldlt
btf{ ePsf] lgsfo
jflif{s sf/f]af/ /sd
sf/f]jf/sf] k|s[lt
o; a}+ssf] sf/f]jf/sf] ljj/0fM
======================= shf{ ?=
======================= hdfgt ?=
=========================k|tLtkq ?=
cGo a}+s tyf ljQLo ;+:yfsf]
sf/f]jf/sf] ljj/0fM
======================= shf{ ?=
======================= hdfgt ?=
=========================k|tLtkq ?=

v08 @M
u|fxssf] shf{ ;DaGwL ljj/0f

@=! u|fxssf] a}+s tyf ljQLo ;+:yf;Fu ePsf] shf{÷;'ljwf sf/f]jf/sf] cj:yfM
cGo a}+s tyf ljQLo
sf/f]af/sf] ljj/0f s[lif ljsf; a}s ln= s'n /sd jlu{s/0f
;+:yf
;Ldf ?= afFsL ?= ;Ldf ?= afFsL ?= ;Ldf ?= afFsL ?=
sf]if Psn
u}/ sf]if Psn
sf]if ;d'x
u}/ sf]if ;d'x

264 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 u|fxssf] gfdM
cg';'rL !@=$ u|fxs g+M
s[lif ljsf; a}+s lnld6]8
@=@ o; a}+sdf sfod x'g] shf{ tyf ;'ljwfM
zLif{s k"j{ :jLs[t shf{ ePdf gofF÷yk÷36 s'n ;Ldf ?=
;Ldf ?= afFsL ?= :jLs[t ldlt clGtd e'QmfgL ldlt
===============shf{
===============shf{
hDdf sf]ifdf cfwfl/t
============ hdfgt
============ k|tLtkq
hDdf u}/ sf]ifdf
cfwfl/t ;'ljwf
hDdf

@=# shf{ ;"rgf ;DaGwL ljj/0fM

shf{ shf{ ef=gf= ljj/0fx?
shf{ ;"rgf lnOPsf a}+ssf] ;"rgf shf{sf] sfnf];"rLdf
qm=;++= ÷;'ljwfsf] ÷;'ljwf ;fFjf ÷Jofh ?h'
JolQm÷ ;+:yfsf] gfd gfd lnPsf] ldlt au{ /x]÷g/x]sf]
zLif{s /sd ?= /sd eP÷gePsf]

@=$ k|:tfljt shf{ tyf ;'ljwfsf] z'Ns, hl/jfgf tyf cg'dflgt nfeM
hDdf ;]jf z'Ns ?= jflif{s Jofh cfDbfgL ?=
sldzg cfo ?= cg'dflgt dfl;s lgIf]k ?=
lwtf] d"Nof+sg z'Ns ?= sld6d]G6 z'Ns b/
zfv ;"rgf z'Ns ?= hl/jfgf Jofhb/

@=% cGo zt{ tyf kl/zt{x?M

k|:tfljt cfjZostfsf] sf/0f tyf zt{ tyf kl/zt{ g]=/f=a}+s CBS
shf{ k|bfg ug'{sf] cf}lrTotf -Jofhb/, hdfgt b/, dflh{g, sld;g, u|]; cjlw, e'QmfgL cjlw, sf]8 sf]8
tyf e'QmfgL tl/sf -dfl;s, q}dfl;s===_, aLdf, cflb_ -(=#, (=# (Product,
Sub-
;'ljwf Jofhb/÷ dflh{g z'Ns u|]; e'QmfgL e'QmfgL aLdf cGo s, (=$, product,
zLif{s sldzg cjlw cjlw tl/sf Basel, Activity,
b/ Deprived Sub-
SL_ activity)

cGo zt{x?M
-!_==============
-@_==============

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 265

 cg';"rL !@=$

s[lif ljsf; a}+s lnld6]8 u|fxssf] gfdM

u|fxs g+M

v08 #M
u|fxssf] lwtf] ;DaGwL ljj/0f

#=! 3/hUuf lwtf] ;'/If0fM

lwtf]sf] ljj/0f hUufsf]
lwtf]wgLsf] gfd u|fxs;Fu Uff=kf=÷ lsQf :jfldTj kl/jt{gsf] hUufsf] 3/sf] d"Nof+sg 3/sf] d"Nof+sg
qm=;+= y/ / 7]ufgf ;DaGw lhNnf g=kf= j8f g+ g+= l;6 g+= k|sf/ d"No ?= ldlt If]qkmn If]qkmn /sd ?= /sd ?=

hUUffsf] s'n d"Nof+sg ?=

3/sf] s'n d"Nof+sg ?=
hDdf d"Nof+sg ?=

lwtf] d"Nof+sgstf{af6 ePsf] d"Nof+sg /sd / lwtf] ;dLIff /sd km/s ePdf ;f]sf] sf/0fM -v'nfpg'kg]{_

#=@ z]o/ lwtf] shf{sf xsdf z]o/ ;'/If0fsf] d"Nof+sg

z]o/sf] k|sl[ t !*)÷!@) sf/f]jf/ lbgsf] cf};t d"No
qm=;+= hf/L ug]{ ;+:yf z]o/ ;+Vof z]o/sf] clGtd d"No ?= shf{sf] nflu sfod ePsf] d"No ?= hDdf d"Nof+sg ?=
?=

hDdf
 u|fxssf] gfdM
cg';'rL !@=$ u|fxs g+M
s[lif ljsf; a}+s lnld6]8
#=# shf{ ;'ljwf k|of]hgsf] nflu lwtf]sf] ljj/0fM
qm=;+= ljj/0f Dflh{g s§L cl3sf] /sd ?=
! 3/÷hUufsf] s'n d"Nof+sg -#=! cg';f/_
!=! Psf3/ kl/jf/sf]
!=! t];|f] kIfsf]
@ cGo lwtf]
@=! gub÷lgIf]k
@=@ d'2tL lgIf]k /l;b
@=# ============================
# =======================af6 d~h"/L lnO{ k|fKt
$ -–_=======================nfO{ k|of]u ug{ d~h"/L lbOPsf]
v'b lwtf] /sd ?=

#=$ shf{÷;'ljwfsf nflu lwtf] cfjZostf lgwf{/0fM

u|fxssf] k|sf/ gofF tyf k6s]÷lnld6 lng] gofF÷^ dlxgfb]lv sf/f]jf/÷c;n
dflh{g sl§ kl5sf] lwtf] dflh{g cl3sf] d"Nof+sg
qm=;+= zLif{s lnld6 /sd ?= lwtf] se/]h Ü /sd ?= lwtf] dflh{g Ü ?=
1 =========shf{
2 =========
3 =========
hDdf

#=% Loan to Value Ratio (LTV)

-s_ shf{ /sd
-v_ shf{sf nflu lnOPsf] lwtf]sf] Fair Market Value (FMV) /sd
-u_ LTV Ratio -s÷v_

#=^ JolQmut hdfgt lbg]sf] ljj/0fM

qm=;+= gfd y/ 7]ufgf gf=k|f=g+=÷lhNnf÷ldlt ;Dks{ g+= u|fxs;Fusf] g]6jy{ ?=
;DaGw

#=& lwtf] ;'/If0f tyf kl/of]hgfsf] aLdfM

;'/If0fsf] k|sf/ aLdf+s /sd ?= aLdfn]v ;dfKt x'g] ldlt aLdf sDkgLsf] gfd hf]lvd jxg
kl/of]hgf
lsQf ==========sf] ejg
:6s df}Hbft
;jf/L ;fwg g+M =============
==============

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 267

 cg';"rL !@=$

s[lif ljsf; a}+s lnld6]8 u|fxssf] gfdM

u|fxs g+M

v08 $M
u|fxssf] ljljw kIfsf] ljZn]if0f

$=! k|fljlws kIfsf] ljZn]if0fM

-ef}lts k"jf{wf/sf] cj:yf, kl/of]hgf:yn, kl/of]hgfdf k|of]u x'g] k|ljlw, kl/of]hgfsf] agf]6 / cj:yf, hgzlQmsf] pknAwtf, sRrf kbfy{sf] pknAwtf cflb_

$=@ Joj:yfksLo kIfsf] ljZn]if0fM

-Jo:yfksLo Ifdtf, ;+u7g ug]{ Ifdtf, gLlt tyf of]hgf th{'df ug]{ Ifdtf, ;dGjo ug]{ Ifdtf, ;~rf/ ug]{ zLk / Ifdtf, lgb]{zg÷lgoGq0f ug]{ z}nL_

$=# ahf/ Joj:yfkg kIfsf] ljZn]if0fM

-j:t'sf] ljz]iftf, nlIft ahf/, k|lt:kwL{x?sf] klxrfg / ljZn]if0f, j:t' tyf ;]jfsf] ljt/0f k|0ffnL, jhf/df j:t'sf] dfu / k'lt{sf] cj:yf_

$=$ ;fdflhs÷jftfj/0fLo kIfM

->d dfkb08sf] kfngf, sfo{:ynsf] cj:yf, ;fdflhs c;/, :jf:Yo, ;'/Iff, e]befj, :yfgLo:t/df /f]huf/Lsf] cj;/ l;h{gf ug{;Sg] ;Defjgf, :yfgLo:t/df ef}lts tyf
;fdflhs k"jf{wf/sf] ljsf;sf] ;Defjgf, jfo' k|b'if0f, WjgL k|b'if0f / hn k|b'if0fsf] cj:yf / Joj:yfkgsf pkfo, kmf]xf]/d}nfsf] Joj:yfkg_, kl/of]hgfsf] Environmental
& Social Risk Management (ESRM) ;DaGwL gLlt÷lgb]{lzsf adf]lhd kof{j/0fLo tyf ;fdflhs kIfsf] ljZn]if0f u/]/ dfq shf{ k|jfx ug{' kg]{ cj:yfdf ;f]sf]
ljZn]if0f u/L k|fKt lgisif{ ;d]t o; v08df pNn]v ug{' kg]{5 .

$=% lwtf]sf] ljZn]if0fM

-lwtf]sf] k|s[lt, af6f], gbL vf]nfgfnf, xfO6]G;g nfOg, lwtf]sf] ahf/ d"No, lwtf]sf] laqmL of]Uotf, shf{ ;'/If0f cg'kft, xbDofb tyf sfg"gL cj:yf cflb_

$=^ sfg"gL kIfsf] ljZn]if0fM

-sfg"gL d'2f dfldnf k/]sf] ePdf ;f]sf] lj:t[t ljj/0f, shf{ cfj]bs tyf ltgsf k|f]k|fO6/÷;fem]bf/÷;+rfnsx? sfnf];"rLdf /x]÷g/x]sf]_

$=& ljQLo kIfsf] k|d'v ;'rsx?M

Amount in '000s
Indicator Audited Provisional/ Projected1
Audited
FY…… FY…… FY…… FY…… FY……
Sales
Tangible Net Worth
Net Profit
Cash Flow from Operation

Liquidity Ratio
Current Ratio
Profitability Ratio
Gross Profit Margin
Net Profit Margin
Return on Investment
(including Investors Loan Fund)
Leverage Ratio
Debt to Equity Ratio
Term Loan to Fixed Asset
Short Term Loan (STL) to Net Trading Asset
(NTA)
Operating Cycle (days)
Stock Holding Period
Debtor Collection Period
Creditors Repayment Period
Net Operating Cycle
Coverage Ratio
Interest Coverage Ratio
Debt Service Coverage Ratio (DSCR) –(Based
on Income)

268 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 u|fxssf] gfdM
cg';'rL !@=$ u|fxs g+M
s[lif ljsf; a}+s lnld6]8
Debt Service Coverage Ratio (DSCR) –(Based
on Operating Cash Flow)
Year to Date (YTD) ………………. sales
1. gjLs/0f ug{sf nflu k|If]lkt ljj/0f cfjZos gx'g] t/ ut cf=j=sf] ljQLo cg'kftx? ;Gtf]ifhgs gb]lvPdf gjLs/0f ug'{ kg]{ cf}lrTo ;lxt k|If]lkt ljj/0f
;d]]t dfu ug'{ kg]{5 .
$=* ljQLo ljj/0f÷;"rsf+sx?sf] l6Kk0fLM -ljQLo ljj/0fsf] ljZn]if0f ubf{ To;sf] Trend -k|j[lQ_, sf/0f / To;n] Joj;fodf kfg]{ c;/sf] ;d]t l6Kk0fL ug{' kg]{5 ._
Sales

Operating Cycle

Working Capital

Liquidity

Solvency

Profitability

Coverage Ratios

$=( k|:tfljt rfn' k'FhL k|s[ltsf shf{sf] xsdf shf{sf] cfjZostf lgwf{/0f
qm=;+= ljj/0f rqm -lbg_ /sd ?=
1 Stock (Inventory)
2 Receivables/Deposit/ Retention Money
3 Creditors/Payables
4 v'b Jofkfl/s ;DklQ Net Trading Assets (NTA) -!±@–#_
5 Drawing Power, DP -$ sf] *) Ü_
6 cGo a}+s tyf ljQLo ;+:yfaf6 lnPsf] rfn' k'FhL k|s[ltsf shf{
7 o; a}+saf6 rfn' k'FhL shf{ lbg ;lsg] clwstd ;Ldf -%–^_
8 o; a}+ssf] s'n rfn' k'FhL shf{ ;Ldf -& eGbf a9L x'g gx'g]_
(Justification: ………………………………………………………………………………………….………)

$=!) shf{ gjLs/0fsf] xsdf v'b rfn' k'FhLsf] k|ltj]bgsf] ljj/0fM

S.N. Reporting Date Previous Quarter Previous Quarter Current
End 1 End II (__/__/____)
1 Stock
2 Receivables
2.1 Upto 90 days
2.2 Above 90 to 180 days
2.3 Above 180 days
3 Advances/Deposit to Suppliers
4 Retention Money
5 Bank Balance
6 Creditors/Payables
7 Valid Net Trading Asset
(1+2.1+(2.2, 2.3 with valid justification) + 3+ 4 +5 - 6)
8 Drawing Power, DP -& sf] *)Ü_
9 Working Capital Loan Outstanding (ADBL)
10 Working Capital Loan Outstanding (Other BFIs)
(Justification:………………………………………………………………………………………….………)
$=!! l:y/ k'FhL shf{sf] xsdfM
ljj/0f OsfO{ kl/df0f b/ hDdf ?= :jnfut /sd shf{ /sd shf{ Ü
?= ?=
=============================
=============================

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 269

 cg';"rL !@=$

s[lif ljsf; a}+s lnld6]8 u|fxssf] gfdM

u|fxs g+M

hDdf

$=!@ 7]Ssfk§f÷;KnfO{÷hdfgt ;Da4 Joj;fosf nflu yk ljj/0fM

$=!@=! ljleGg a]lglkml;o/L;Fu ePsf] 7]Ssf÷vl/b÷;KnfO{ ;Demf}tf ;DaGwL ljj/0fM

qm=;+ 7]Ssf tyf u|fxssf] 7]Ssf /sd - ;Demf}tf sfo{ afFsL cjlw xfn;Dd w/f}6L clu|d nufgL cfjZos
a]lglkml;o/Lsf] lx:;f d'=c=s/ ldlt ;DkGg -aif{df ;DkGg hdfgt e'QmfgL /sd
gfd ;lxt_ ug]{ clGtd Go"gtd !_ sfo{ hdfgt
ldlt k|ltzt hf/L
/sd
1 2 3 4 5 6 7 8 9 10 11=
4*(1.00-8)-(9±10)
7

hDdf
-s_ ;/n 7]Ssf shf{ k|bfg ug{ ;lsg] /sd -!! sf] hDdf sf] *) Ü_
-v_ cGo a}+saf6 lnOPsf] rfn' k'FhL k|s[ltsf shf{ /sd ?=
-u_ o; a}+saf6 k|bfg ug{ ;lsg] clwstd ;/n 7]Ssf shf{ -s–v_
-3_ o; a}+saf6 k|bfg ePsf] jf x'g] ;/n 7]Ssf shf{M -u_ eGbf a9L x'g] 5}g

$=!@=@ d]lzg/L÷;jf/L ;fwg÷OlSjKd]G6x?sf] ljj/0fM

qm=;+= ljj/0f ;+Vof s"n lstfaL d"No -?=_
1 ===============================
2 ===============================
hDdf
gf]6M ef8fsf oGq tyf ;jf/L ;fwgsf] u0fgf ;dfj]z ug{ gkfOg] .
$=!@=# sfo{/t sd{rf/Lx?sf] ljj/0fM

qm= ;+= sd{rf/Lsf] ljj/0f ;+Vof

1 O{lGhlgo/
2 ;j–O{lGhlgo/
3 8«fOe/
4 d]sflgs
5 PsfpG6]G6
6 =======================================
7 ========================================
hDdf

$=!@=$ xfn ;+:yfsf] ljleGg a]lglkml;o/L;Fu ePsf] k|tLtkq sf/f]af/sf] ljj/0fM

qm= k|tLtkq /sd k|tLtkqsf]
a]lglkml;o/Lsf] gfd a]lglkml;o/L a}+ssf] gfd d'b|f cjlw
;+= lj=d'= g]=?= lsl;d

hDdf

270 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 u|fxssf] gfdM
cg';'rL !@=$ u|fxs g+M
s[lif ljsf; a}+s lnld6]8

v08 %M
shf{ tyf ;'ljwf hf]lvd ljZn]if0f

%=! hf]lvd ef/ / ;f]sf] ljZn]if0fM

%=@ kl/of]hgfsf] hf]lvd, b'j{n kIf÷r'gf}tL / Go"gLs/0f÷;dfwfgsf] pkfox?

hf]lvd, b'j{n kIf tyf r'gf}tL Go"gLs/0f tyf ;dfwfgsf pkfox?
Joj:yfkg hf]lvd -;+nUgtf, lgi7f, ;Ifdtf, g]t[Tj, b'/bzL{tf, kf/blz{tf, cg'ej cflb_

Joj;fo tyf ahf/ hf]lvd -pTkfbg Ifdtf, a|f08, ;/sf/L lgtL, k|lt:kwf{, k|ljwL, ahf/sf] lj:tf/, ahf/df u|fxsf] lx:;f, k|d'v cfk'lt{stf{, sRrfkbfy{sf] pknJwtf,
9'jfgL, dfu, k|d'v pkef]Qmf, pTkflbt j:t'sf] ljsNkx?sf] pknAwtf, aflif{s dfu a[l4b/, >ldssf] pknJwtf, >d ;DjGw, jftfj/0fLo lgodg, cflb_

;'/If0f ;DjGwL hf]lvd -ljqmL of]Uotf, xfO6]G;g, vf]nf, t];|f] kIf, xbDofb, j;f]af;of]Uo, ljjfb/lxt, klx/f] hf]lvd, clwu|x0f x'g ;Sg] cflb_

cGo hf]lvd

n]vf k/LIf0f tyf cg'udgsf] s}lkmot

s}lkmot ;'wf/sf] cj:yf

v08 &M
shf{ tyf ;'ljwf l;kmfl/z÷;dLIff÷:jLs[lt v08

u|fxssf] ljQLo, k|fljlws, jhf/, Joj:yfkg, cfly{s, ;fdflhs, ;'/If0f kIfsf] cj:yf / hf]lvdsf] ljZn]if0f ubf{ shf{÷;'ljwf k|bfg ug{ pko'Qm
b]lvPsf]n] lhNnf ==============uf=kf=÷g=kf ===============j8f g+= ===, ========================== l:yt ============================================ nfO{ tf]lsPsf zt{
;'ljwf cGtu{t /xg] u/L ============== shf{÷hdfgt÷k|tLtkq zLif{sdf ?= ========== shf{÷;'ljwfsf] ;Ldf :jLs[t ug{ l;kmfl/z÷;dLIff÷:jLs[t
ub{5'÷5f}+ .

-s_ l;kmfl/z ug]M{

b:tvt
gfd
kb÷sf]8 g+=
sfof{no
ldlt

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 271

 cg';"rL !@=$

s[lif ljsf; a}+s lnld6]8 u|fxssf] gfdM

u|fxs g+M

b:tvt
gfd
kb÷sf]8 g+=
sfof{no
ldlt

-v_ ;dLIff ug]{M

b:tvt

gfd
kb÷sf]8 g+=
sfof{no
ldlt

-u_ :jLs[lt ug]{M

b:tvt
gfd
kb÷sf]8 g+=
sfof{no
ldlt

272 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 u|fxssf] gfdM
cg';'rL !@=$ u|fxs g+M
s[lif ljsf; a}+s lnld6]8

shf{÷;'ljwf÷l;kmfl/;÷;dLIff tyf :jLs[t ug]{ clwsf/Lsf] yk zt{x?M

zt{ b:tvt

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 273

 s[lif ljsf; a}+s ln= cg';"rL !@=%
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

====================sfof{no=========================
d'2tL lgIf]k /l;b÷cGo ;'/If0fkqsf] lwtf]df shf{ :jLs[t kmf/fd
-shf{ sfo{ljlw, @)&# sf] bkmf !^ ;Fu ;DalGwt_

!= u|fxssf] ljj/0fM
u|fxssf] GffdM ======================================== 7]ufgfM ========================================
afa'sf] gfdM ========================================== afh]sf] gfdM ==================================
>Ldfg÷>LdtLsf] gfdM =============================== ;Dks{ g+=M ====================================

@= shf{ dfu /sdM ?===============

#= ;'/If0fsf] ljj/0fM
shf{ k|bfgof]Uo ;'/If0fkqsf] Dofb
qm=;+= ljj/0f /l;b g+= yfg /sd ?=
/sd ?= k'Ug] ldlt
!
@
#
hDdf

$= sfuhft ;'/If0f /f]Ssf ;DaGwLM

-s_ d'2tL lgIf]k /l;b÷/f=j=kq÷ljsf; C0fkq÷j08sf] k5f8L b/lk7 ePsf]÷gePsf] .
-v_ d'2tL lgIf]k /l;b÷/f=j=kq÷ljsf; C0fkq÷j08sf] e'QmfgL /f]Ssf ePsf]÷gePsf] .
-u_ d'2tL lgIf]k vftfsf] Jofh /f]Ssf ePsf]÷gePsf] .
-3_ /f=j=kq÷ljsf; C0fkq÷j08sf] Jofh e'QmfgL kq lnPsf]÷glnPsf] .

%= zt{ tyf ;'ljwfx?M

-s_ :jLs[t shf{ /sd ?========== =====.– -cIf]?kL =======================================_ x'g]5 .
-v_ :jLs[t shf{ ldlt ==================;Dd r'Qmf ug'{ kg]{5 . pQm ldltleq shf{ tyf ;f]sf] Jofh r'Qmf
gePdf d'2tL lgIf]k /l;b÷/f=j=kq÷ljsf; C0fkq÷j08sf] /sdaf6 a}+s lgodfg';f/ c;"npk/
ul/g]5 .
-u_ Jofh b/ ======= k|ltzt x'g]5 .
-3_ d'2tL lgIf]k /l;b÷;'/If0fkqsf] e'QmfgL clgjfo{ ?kdf /f]Ssf ug'{ kg]{5 .
-ª_ cGo ;a} a}+ssf] k|rlnt sfg"g adf]lhd x'g]5 .

274 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL !@=%

^= shf{sf] l;kmfl/z, ;ldIff / :jLs[tM

lhNnf ============= g=kf=÷uf=kf= ==================== j8f g+= ======== 6f]n===============a:g] >L=======
========================= sf] gflt÷gfltgL÷a'xf/L >L==============================sf] 5f]/f÷5f]/L÷kTgL aif{
====== sf] >L==================================== nfO{ pk/f]Qm adf]lhd d'2tL lgIf]k /l;b÷/f=j=kq÷ljsf;
C0fkq÷j08 lwtf] /flv ?=============== -cIf]?kL===============================_ :jLs[t u/L lgh u|fxssf]
vftf g+======================df hDdf ug]{ lg0f{o ul/of] .

l;kmfl/z ug]{sf] gfdM=============== ;ldIff ug]{sf] gfdM============= k|aGwssf] gfdM================

kbM========================== kbM==========================

sf]8 g+=M==================== sf]8 g+=M==================== sf]8 g+=M====================

b:tvt÷ldltM=================== b:tvt÷ldltM================ b:tvt÷ldltM================

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 275

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkq k|fKt ;+:yf_
==================== sfof{no ==================
.
-shf{ sfo{ljlw @)&# sf] bkmf !* ;Fu ;DalGwt_ cg';'rL !@=^
[Specimen of Risk Grading Matrix] 375
!= a}+ssf] cfGtl/s shf{ hf]lvd b/ lgwf{/0f ;DaGwL dfu{bz{g adf]lhd shf{ u|fxssf] hf]lvd ljZn]if0f b]xfo
adf]lhd ug{' kg]{5 .
Name of the Customer:

Risk Area Parameters Score

उत्कृष्ट, स्थायी तथा आकषर्क 1

cf}Bf]lus jftfj/0f प्रमुख �ेत्र (Principal Area) मा बद्ृ �ध भएको 2

(Industry आगामी २–५ वषर्मा बद्
ृ �धको संभावना रहे को 3
Environment) बद्
ृ �धको संभावना �स�मत रहेको, समाप्तीको अवस्थामा रहेको 4
बद्
ृ �धको संभावना नरहेको, नकारात्मक अवस्था 5
उच्च व्यवसा�यक, �वक�सत, राम्रो उ�रा�धकार� योजना (Succession Plan) , व्यवसायमा ५ वषर् भन्दा
बढ�को अनुभव 1

Joj:yfksLo u'0f व्यवसा�यक, उ�रा�धकार� योजना (Succession Plan रहेको, व्यवसायमा ३ वषर् भन्दा बढ�को अनभ
ु व 2
(Management उक्त �ेत्रमा व्यवसा�यक, व्यवसायमा २ वषर् भन्दा बढ�को अनभ
ु व 3
Quality)
अपयार्प्त व्यवसा�यक द�ता तथा �श�ा, केह� अनभ
ु व 4

कमजोर व्यवस्थाप�कय प�, अ�त न्यन

ु अनभ
ु व 5
कच्चा पदाथर्, उपकरण, आध�ु नक�करण, �वतरण प्रणाल�, �व�ीय श्रोत आ�दमा पण
ू र् रुपमा सम्पन्न 1
उत्पादनलाई आवश्यक पन� श्रोत साधनमा सम्पन्न 2

>f]t ;fwgsf] उत्पादनलाई आवश्यक पन� श्रोत साधनको उपलब्धतामा संतोषजनक, उत्पादन प्र�क्रया स्वचा�लत
;DkGgtf (Automation) हुँदै गरे को 3
(Resourceful) उत्पादनलाई आवश्यक पन� श्रोत साधनको �स�मत उपलब्धता, उत्पादन प्र�क्रया स्वचा�लत (Automation)
गनप
ुर् न� 4
उत्पादनलाई आवश्यक पन� श्रोत साधन (�व�ीय श्रोत, उपकरण) अपयार्प्त 5
बजार�करण प� (उत्पादन, गुणस्तर तथा मल्
ु य) समग्रमा नेतत्ृ व गरे को, बजार प� उत्कृष्ट रहेको 1
u|fxssf] ahf/df समग्र व्यवसायमा ब�लयो 2
:yfg (Market
समग्र व्यवसायमा राम्रो, भ�वष्यमा राम्रो संभावना भएको 3
Position of
Borrower) समग्र बजार अवस्था साधारण 4
समग्र बजार अवस्था कमजोर 5
�दघर्कालसम्म कुनैप�न चुनौती (Threats) नदे �खएको 1
jfx\o÷jftfj/0fLo आगामी २–५ वषर्सम्म कुनैप�न चुनौती (Threats) नदे �खएको 2
r'gf}tL (External
व्यवसायमा क्रमशः प्र�तस्पधा बढदै गएको 3
/ Environmental
Threats) व्यवसायमा उच्च प्र�तस्पधा बढदै गएको, अन्य व्यवसाय/�ेत्रमा �व�व�धकरण आवश्यक दे �खएको 4
प्र�तस्पधार् सामना गनर् क�ठन अवस्था/आ�थर्क तथा अन्य चन
ु ौती समेत दे �खएको 5

375 @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd ;fljs cg';'rL k|ltZyflkt ePsf]
276 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
Risk Area Parameters Score

२५ % भन्दा बढ� 1
Cash Flow to २० दे �ख २५ % सम्म 2
Sales: Cash Flow
१० दे �ख २० % सम्म 3
from
Operation/Sales ५ दे �ख १० % सम्म 4
५ % सम्म 5
०.८ भन्दा मा�थ 1
Quality of Profit: ०.६ दे �ख ०.८ सम्म 2
Net Cash Flow
०.५ दे �ख ०.६ सम्म 3
From Operation/
Operating Profit ०.४ दे �ख ०.५ सम्म 4
०.१ दे �ख ०.४ सम्म 5
सम्बिन्धत उद्योग/व्यवसायमा उच्च तथा आकषर्क 1
औद्यो�गक औषत (Industry Average) भन्दा मा�थ 2
Net Profitability:
�वगत �तन वषर्को वा प्र�े�पत नाफा औद्यो�गक औषत (Industry Average) को निजक 3
Net Profit/Sales
न्यन
ु नाफा/नाफामा �गरावट 4
अ�त न्यन
ु नाफा वा सञ्चालन नोक्सानको अवस्था 5
२ भन्दा मा�थ 1

Interest १.७५ भन्दा मा�थ २ सम्म 2

Coverage Ratio: १.५ भन्दा मा�थ १.७५ सम्म 3
EBIT/Interest १.२५ भन्दा मा�थ १.५ सम्म 4
१.२५ सम्म 5
२ भन्दा मा�थ 1
Debt Service १.७५ भन्दा मा�थ २ सम्म 2
Coverage Ratio
१.५ भन्दा मा�थ १.७५ सम्म 3
in case of LTL
fin. Only १.२५ भन्दा मा�थ १.५ सम्म 4
१.२५ सम्म 5
६० % सम्म 1
Debt to Total ६० दे �ख ७० % सम्म 2
Asset Ratio: (LTL
७० दे �ख ८० % सम्म 3
+ STL / TA -
Intangibles) ८० दे �ख ८५ % सम्म 4
८५ % भन्दा बढ� 5
कजार् ईिक्वट� अनप
ु ात ५०:५० 1
कजार् ईिक्वट� अनप
ु ात ६०:४० 2
Debt to Equity:
कजार् ईिक्वट� अनप
ु ात ७०:३० 3
Debt/Equity
कजार् ईिक्वट� अनप
ु ात ८०:२० 4
कजार् ईिक्वट� अनप
ु ात ९०:१० 5
Current Ratio: २ भन्दा मा�थ 1
Current
१.५ दे �ख २ सम्म 2
Assets/Current
Liabilities १.२५ दे �ख १.५ सम्म 3

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 277

Risk Area Parameters Score

१ दे �ख १.२५ सम्म 4
१ सम्म 5
१ भन्दा मा�थ 1
Quick Ratio: ०.८७५ दे �ख १ सम्म 2
Quick Assets /
०.७५ दे �ख ०.८७५ सम्म 3
Current
Liabilities ०.५ दे �ख ०.७५ सम्म 4
०.५ सम्म 5
धेरै राम्रो । �वगत ५ वषर्मा ब�कको सबै शतर्हरु पालना भएको 1
राम्रो । �वगत ३–५ वषर्मा ब�कको सबै शतर्हरु पालना भएको 2
a}+s;Fusf] ;DaGw ब�कसँग २ वषर् भन्दा बढ�दे �ख सम्बन्ध । असल ग्राहक स�ु वधा प्रदान । 3
(Relationship
with ADBL) नयाँ ग्राहक/संभा�वत राम्रो ग्राहक/ अन्य ब�क �व�ीय संस्थासँग राम्रो कारोवार रहे को 4
नयाँ ग्राहक/अन्य ब�क �व�ीय संस्थासँग कारोवार नरहेको/कालोसूचीमा परे को/लगानी गनर् उपयुक्त
नदे �खएको 5
कुल �धतोको (मािजर्न नकटाएको) ४० % सम्म कजार् 1

lwtf] ;'/If0f कुल �धतोको (मािजर्न नकटाएको) ५० % सम्म कजार् 2

(Security कुल �धतोको (मािजर्न नकटाएको) ६० % सम्म कजार् 3
Coverage) कुल �धतोको (मािजर्न नकटाएको) ७० % सम्म कजार् 4
कुल �धतोको (मािजर्न नकटाएको) ७० % भन्दा बढ� कजार् 5
व्यवसा�यक �ेत्रको व्यवसा�यक भवन/अ�त�रक्त सुर�ण (चालु सम्प��/साधन/यन्त्र, औजार) 1

lwtf]sf] u'0f:t/ आवा�सय �ेत्रको भवन तथा राम्रो सडक पव

ू ार्धार/ अ�त�रक्त सरू �ण 2
(Security आवा�सय �ेत्रको जग्गा/भवन तथा सडक पव
ू ार्धार/केह� अ�त�रक्त सूर�ण 3
Quality) �वकासोन्मख
ु �ेत्र/अ�त�रक्त सरु �ण केह� वा नभएको 4
अ�वक�सत �ेत्र तथा �वकासको संभावना नभएको 5
रु. २५ लाख सम्मको कजार् �समा 1

shf{ phfu/ रु. २५ लाख दे �ख मा�थ रु. ५० लाख सम्मको कजार् �समा 2
;DaGwL hf]lvd रु. ५० लाख दे �ख मा�थ रु. ७५ लाख सम्मको कजार् �समा 3
(Exposure Risk) रु. ७५ लाख दे �ख मा�थ रु. १ करोड सम्मको कजार् �समा 4
रु. १ करोड भन्दा मा�थको कजार् �समा 5
खचर्योग्य आम्दानी (Disposable Income) र EMI अनुपात २.५ भन्दा मा�थ 1
shf{ r'Qmf ;DaGwL खचर्योग्य आम्दानी (Disposable Income) र EMI अनुपात २.२५ भन्दा मा�थ 2
hf]lvd
खचर्योग्य आम्दानी (Disposable Income) र EMI अनुपात २ भन्दा मा�थ 3
(Repayment
Risk) खचर्योग्य आम्दानी (Disposable Income) र EMI अनुपात १.५ भन्दा मा�थ 4
खचर्योग्य आम्दानी (Disposable Income) र EMI अनप
ु ात १.५ सम्म 5

-pko{'Qm 9fFrfsf] cfwf/df hf]lvd b/ u0fgf u/L b]xfo cg';f/sf] hf]lvdsf] tx lgwf{/0f u/L hf]lvd Joj:yfkgdf
;hutf ckgfpg' kg]{5 . shf{ hf]lvdsf] Dofl6«S; shf{sf] k|s[lt / shf{sf] cfsf/ cg';f/ hf]lvd Joj:yfkg
ljefun] ;do ;dodf tf]s] adf]lhd x'g]5 ._
1 - Minimal Risk, 2 - Low Risk, 3- Moderate Risk, 4 - Acceptable Risk, 5 - Special Mention.

278 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 Signature: Signature: Signature:
Name: Name: Name:
Designation: Designation: Designation:
Code No.: Code No.: Code No.:

@= a}+ssf] cfGtl/s shf{ hf]lvd b/ lgwf{/0f ;DaGwL dfu{bz{g / hf]lvd Dofl6«S;df kl/jt{g ePdf ;f]xL
adf]lhd shf{ u|fxssf] hf]lvd ljZn]if0f ug{' kg]{5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 279

 s[lif ljsf; a}+s ln=

[s[lif ljsf; a}+s ln=

-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ cg';"rL !@=&
===================sfof{no===================
yf]s shf{ :jLs[lt k|:tfj
-shf{ sfo{ljlw, @)&# sf] bkmf !^ ;Fu ;DalGwt_

shf{ cfj]bgsf] btf{ g+=÷ldlt u|fxssf] ldl;n g+=

lwtf]sf] :ynut lg/LIf0f ldlt u|fxs g+=
shf{ :jLs[t ePsf] ldlt÷/sd Customer ID
If]qLo÷d'Vo sfof{nodf ldl;n k7fPsf] ldlt
If]qLo÷d'Vo sfof{noaf6 shf{ :jLs[t ePsf] ldlt÷/sd

s_ cfj]bg ?h' ;"rL

shf{ cfj]bs ;+:yfsf] gfd
;+:yfsf] lsl;d
;+:yfsf] k|s[lt
;+:yfsf] 7]ufgf
;Dks{ g+=÷Od]n 7]ufgf
gfdy/ / 7]ufgf
;+:yfsf] cWoIfsf]
gf=k|=g+=, lhNnf / ldlt
;+:yfsf] d"Vo gfdy/ / 7]ufgf
Joj:yfkssf] gf=k|=g+=, lhNnf / ldlt
clVtof/k|fKt gfdy/ / 7]ufgf
JolQmsf] gf=k|=g+=, lhNnf / ldlt
gfdy/ != @= #=
JolQmut hdfgt 7]ufgf
lbg] JolQmsf] gf=k|=g+=, lhNnf / ldlt
;Dks{ g+=÷O{d]n 7]ufgf
btf{ g+=÷ldlt÷btf{ ePsf]
;+:yfsf] lgsfo
PAN÷ldlt÷lnPsf] lhNnf
;+:yf btf{ gjLs/0f ePsf] cjlw ======================== ;Dd
;+:yfsf] Ohfht gDa/

280 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}s
+ ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

lnPsf] ldlt
lnPsf] lgsfo
gjLs/0f cjlw ======================= ;Dd
;+:yfsf] k'FhL /sd rfn' k'FhLM ============= l:y/ k'FhLM =========== hDdf k'FhLM ================
?= clws[t k'FhLM ========= r'Qmf k'FhLM ===========

v_ cfj]bs ;+:yfsf] ;+rfnsx?sf] ljj/0fM

;+rfnssf] 7]ufgf÷ afa'sf] gfd afh]÷ ;Dks{ gf=k|=g+=÷lhNnf÷ z]o/
gfdy/ ;Dks{ g+= ;;'/fsf] gfd g+= ldlt cg'kft

u_ ;xfos sDkgL -Sister Concern_ sf] ljj/0f

kmd{÷sDkgLsf] gfd kmd{÷sDkgLsf] 7]ufgf
k|f]=÷;+rfnssf] gfd btf{ g+=
sf/f]af/sf] k|s[lt btf{ ldlt / lgsfo
o; a}+s;Fu ePsf] shf{sf] PAN / lnPsf] ldlt
zLif{s / shf{ /sd
=========== a}+s;Fu ePsf] shf{sf] VAT g+= lnPsf] ldlt
zLif{s / shf{ /sd
3_ cGo a}+s tyf ljQLo ;+:yf;Fu ePsf] shf{÷;'ljwf sf/f]jf/sf] cj:yf

shf{ ;"rgf s]Gb|af6 lnPsf] ;fv ;"rgfsf] ljj/0fM

;fv ;"rgf lnPsf] ldltM ==================sfnf];"rLdf /x]sf]÷g/x]sf] .
shf{ ;"rgf s]Gb|af6 lnPsf] ;fv ;"rgfdf cGo a}+s tyf ljQLo ;+:yf;Fu shf{÷;'ljwf sf/f]af/ ePsf]
b]lvPdf pQm a}+s tyf ljQLo ;+:yfaf6 ;d]t ;fv ;"rgf lng'kg]{5 . o;/L lnPsf] ;fv
;"rgf ;Gtf]ifhgs x'g'kg]{5 .
qm=;+= a}+s jf ljQLo ;+:yfsf] gfd / shf{÷;'ljwfsf] shf{÷;'ljwf shf{sf] ju{÷cj:yf
7]ufgf lzif{s /sd ;lqmo lgliqmo

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 281

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
ª_ xfnsf] shf{÷;'ljwfsf] cj:yf
shf{ cfj]bsn] o; a}+saf6 o;cl3 lnPsf] shf{sf] ;b'kof]lutf, shf{ e'QmfgLsf] O{ltxf;, k'g/tflnsLs/0f jf
k'g/;+/rgf u/]÷gu/]sf] ljifodf pNn]v ug'{xf]nf .

shf{÷;'ljwfsf] shf{÷;'ljwf :jLs[t afFsL /x]sf] shf{ shf{sf]

u|fxssf] gfd ÷;'ljwf /sd ?=
p2]Zo÷k|sf/ ldlt /sd ?= ju{÷cj:yf

r_ shf{ cfj]bsn] dfu u/]sf] shf{sf] ljj/0f

shf{sf] zLif{s÷p2]Zo yf]s shf{
shf{sf] cjlw clwstd ! jif{
shf{ dfu gofF÷yk /sd ?=
ca sfod x'g] s'n shf{ ;Ldf ?=

5_ shf{ cfj]bsn] k]z u/]sf] sfuhft ?h' ;DaGwL kmf/fd

;a} cfjZos sfuhftx? k|fKt eP÷gePsf] clgjfo{?kdf Plsg ug'{kg]{5 .
?h' ug]{ sd{rf/Lsf]
cfjZos sfuhft ePsf] gePsf]
b:tvt
!= ;f]wk'5 kmf/fd
@= shf{ cfj]bg kmf/fd
#= cfj]bsn] k]z ug'{kg{] hfgsf/L÷sfuhftx?
-cg';"rL $ cg';f/sf] sfuhft_
$= n]vfk/LIf0f k|ltj]bg / k|If]lkt ljQLo ljj/0f
%= ;fv ;"rgf / ax'–a}+lsË shf{ sf/f]af/sf] ljj/0f
^= a}+sn] dfu u/] adf]lhdsf cGo sfuhftx?

282 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}s
+ ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

shf{ ljZn]if0f v08

!= ;'/If0f kIfsf] ljZn]if0f
s_ 3/hUuf lwtf] ;'/If0f

lwtf]sf] ljj/0f s"n

qm= ;+= lwtf]wgLsf] lwtf]
gfdy/ / 7]ufgf uf=kf=÷g=kf= lsQf l;6 d"NofÍg
lhNnf If]qkmn 3/sf] ljj/0f
/ j8f g+= g+= g+= /sd

hUUffsf] s'n d"Nof+sg ?=

3/sf] s'n d'Nof+sg ?=
hDdf d"Nof+sg -3/±hUuf_ ?=
dflh{g k|ltzt Ü / /sd ?=
====k|ltzt dflh{g s§ful/ sfodePsf] shf{of]Uo
;+:yf;Fu lwtf]wgLsf] ;DaGwM =====================

v_ lwtf] ;'/If0fsf] aLdf

;'/If0fsf] 3/÷ejg -!))Ü_ aLdf lk|ldod

k|sf/ /sd ?=
sfod ePsf] aLdf cjlw aLdf sDkgLsf] gfd

@= Joj:yfksLo kIfsf] ljZn]if0f

s_ ;+rfns ;ldltsf] ;+/rgfM ==== hgf, Ps cfk;df ;DaGwM =======

v_ ;+:yf :yfkgfsf] cjlwM ======== jif{ ;+rfnsx?sf] of]UotfM ================

u_ ;+:yf ;+rfngsf] nflu cfjZos kg]{ hgzlQm / pknAwtfM ============

3_ Joj:yfkssf] ;DalGwt If]qdf of]Uotf ===========cg'ej========= jif{========= / Joj:yfksLo Ifdtf=======

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 283

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

ª_ ;+:yf;Fu Joj:yfkssf] ;DaGwM ==========

#= ahf/ kIfsf] ljZn]if0f
s_ ;+:yfsf] sfo{If]qM ============ufpkflnsf÷gu/kflnsf

v_ nlIft ju{ tyf ;d"xM ==================

u_ nfeflGjt ;+VofM s"n==========k'?if======== dlxnf==========

3_ cGo ;+:yfx?sf] pknAwtfM ======================

$= ;fdflhs÷jftfj/0fLo kIf
s_ ;+:yfk|lt :yfgLo ;d'bfosf] b[li6sf]0fM ======================

v_ ;+:yfn] ;dfhdf kfg]{ k|efjM ======================

u_ :yfgLo:t/df /f]huf/Lsf] cj;/ l;h{gf ug{;Sg] ;DefjgfM ======================

%= sfg"gL kIfsf] ljZn]if0f

s_ g]kfn ;/sf/sf] ;DalGwt lgsfodf btf{ eO{ O{hfht lnP÷glnPsf]M =========

v_ PAN lnP÷glnPsf]M ==============

u_ jflif{s ?kdf s/ r'Qmf u/]÷gu/]sf]M ===============

3_ Ohfht kq gjLs/0f eP÷gePsf]M ==========

ª_ shf{ cfj]bs tyf ltgsf ;+rfnsx? sfnf];"rLdf /x]÷g/x]sf]M ========

284 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}s
+ ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
^= ;+:yfsf] SWOT (Strength, Weakness, Opportunity and Threat) ljZn]if0fM

;an kIfx? b'j{n kIfx?

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

cj;/x? r'gf}tLx?
================ ================
================ ================

&= ljQLo kIfsf] ljZn]if0fM

-c_ ljQLo ljj/0fx?M
ljj/0f cfly{s aif{===== cfly{s aif{ == k|If]lkt cfly{s aif{===
/sd /sd /sd
s'n k'FhL÷r'Qmf k'FhL
k|fylds k'FhL
s"n lgIf]k
s"n shf{ tyf ;fk6
cGo nufgL
s'n Aofh cfDbfgL
cGo cfDbfgL
hDdf cfDbfgL
s'n Aofh vr{
s'n ;+rfng vr{
hDdf vr{
v'b gfkmf
lgliqmo shf{sf] k|ltzt
kfpg'kg]{ Jofhsf] k|ltzt
a}+s tyf gub df}Hbft /sd
shf{ – lgIf]k cg'kft
;b:o ;+Vof lgIf]k

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 285

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
shf{

-cf_ ljQLo ljj/0f÷;"rsf+sx?sf] l6Kk0fL

-pk/f]Qm tflnsfdf pNn]lvt b'O{ cf=j= sf] Audited and Projected ljQLo ljj/0f / ;"rsf+sx?dWo] tnsf d'Vo ;'rsf+sx?sf] t'ngfTds
?kdf ljZn]if0f ug{' kg]{5 ._
-s_ s"n lgIf]kM =====================
-v_ s"n shf{ tyf ;fk6M ==================
-u_ s"n lgliqmo shf{ /sdM ======================
-3_ shf{–lgIf]k cg'kftM ====================
-ª_ v'b gfkmfM =================================

-O_ ;+:yfsf] ljQLo ;|f]tsf] cg'kft

ljj/0f shf{ cfj]bsn] ;+:yfsf] cfGtl/s >f]t a}+s >f]t /sd ?= hDdf /sd ?=
cfjb]ssf] shf{ dfu /sd ?=
shf{ dfu
/sd
k|ltzt -=======Ü_ -=======Ü_ -!))Ü_
-O{_ k|If]lkt jflif{s gub k|jfx
qm=;+= ljj/0f /sd ?=
! a}+saf6 lng] s'n shf{ /sd
@ ! jif{leq c;"nL x'g] s'n shf{ /sd
# shf{ cfj]bssf] jflif{s Jofh cfDbfgL
$ shf{ cfj]bssf] jflif{s z'Ns tyf cGo cfDbfgL
% s'n gub cfo /sd -!±@±#±$_
^ shf{ cfj]bsn] a}+snfO{ ltg{'kg]{ ;fFjf /sd
& shf{ cfj]bsn] a}+snfO{ ltg{'kg]{ Jofh /sd
* shf{ cfj]bsn] a}+snfO{ ltg{'kg]{ ;]jf z'Ns /sd
( shf{ cfj]bssf] s'n ;+rfng vr{ /sd
!) s'n gub Joo /sd -^±&±*±(_
!! v'b gub k|jfx /sd -%–!)_

-p_ ljQLo ;"rsf+sx?

shf{ r'Qmf ug]{ Ifdtf Ö s'n gub cfo /sd -%_ -!=!% eGbf dfly x'g'kg]{_
s'n gub Joo /sd -!)_
s'n lgjf{w gub k|jfxsf] ;Dk"0f{ vr{ s6fPkl5sf] v'b cfDbfgL -(_ -)=!% eGbf dfly x'g'kg]{_
cg'kft Ö hDdf a}+snfO{ ltg]{ e'QmfgL /sd -*_

286 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}s
+ ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

*=hf]lvd / ;f]sf] Go"gLs/0fsf] pkfox?

hf]lvdx? hf]lvd Go"gLs/0fsf pkfox?
!= shf{ hf]lvd
@= ;+rfng hf]lvd
#= Aofhb/ hf]lvd
$= cGo hf]lvd

(=lwtf] tyf kl/of]hgf lg/LIf0f ug]{

sd{rf/Lsf] gfd != @=
b:tvt
kb÷sf]8 g+=
lg/LIf0f ldlt
k|ltj]bg k]z ePsf]
ldlt

shf{ l;kmfl/z v08

!)=shf{sf] d'Vo zt{ tyf ;'ljwfx?
shf{sf] zLif{s÷p2]Zo yf]s shf{
shf{sf] cjlw clwstd cjlw ! jif{;Dd
xfnsf] n=/=/=
yk shf{ /sd
l;kmfl/z ul/Psf] s'n shf{ /sd rfn' k'FhL shf{tkm{M ?=

5'6÷u|]; cjlw -dlxgf / aif{x? ls6fg ug]{_

e'QmfgL tflnsf -lbg, dlxgf / aif{x? ls6fg ug]{_
Jofhb/
hl/jfgf Jofhb/
;]jf z'Ns
;fv ;"rgf z'Ns
z'Nsx?
lwtf] d'Nof+sg z'Ns
cGo
rNtL vftfdf sfod ug{'kg]{ Go"gtd df}Hbft /sd

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 287

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
cGo zt{ tyf kl/zt{x?M
!= shf{sf] Jofh dfl;s?kdf a'emfpg'kg]{5 . ;fFjf /sd tf]lsPsf] ;dodf a'emfpg'kg]{5 .
@ of] shf{ ================ls:tfdf k|bfg ul/g]5 .
# >L÷>LdtL===========================af6 lwtf] d~h'/Lgfdf lng'kg{]5 . lwtf]jfnfsf] c+lzof/ xsbf/sf] ;d]t
lwtf] lbgsf nflu ;xdlt lng'kg]{5 .
$= >L÷>LdtL=====================af6 JolQmut hdfgt lng'kg]{5 .
%= shf{ r'Qmf gx'Fbf;Dd lwtf] lnPsf] 3/ tyf ejgsf] a}+s a]lglkm;Lo/L x'g] u/L aLdf lgoldt x'g'kg]{5 .
^= a}+snfO{ lwtf] :j?k lbPsf] 3/, hUuf s'n d'Nof+lst /sdsf] dfnkf]t sfof{noaf6 b[li6aGws kf; ug'{kg]{5
.
!!=shf{ l;kmfl/z
;+:yfsf] ;Dk"0f{ ?kdf ljZn]if0f ubf{ shf{ k|bfg ug{ pko'Qm b]lvPsf]n] lhNnf ==============uf=kf=÷g=kf
===============j8f g+= ===, ========================== l:yt ============================================ nfO{ dfly
pNn]lvt zt{
;'ljwf cGtu{t /xg] u/L dflh{g s6fO{ cfPsf] lwtf] ?= ==================.– lnO{ yf]s shf{ p2]Zodf ?=
===============.– -cIf]?kL ==============================dfq_ shf{ :jLs[t ug{ l;kmfl/z ub{5'÷5f}+ .
shf{ l;kmfl/zstf{sf] gfd != @=
b:tvt
kb÷sf]8 g+=
ldlt

!@=shf{ ;ldIff
lhNnf ============== uf=kf=÷g=kf= =============== j8f g+= ===, =================== l:yt
============================================ nfO{ dfly pNn]lvt zt{ ;'ljwf cGtu{t /xg] u/L dflh{g s6fO{ cfPsf]
lwtf] ?= ==================.– lnO{ yf]s shf{ p2]Zodf ?================ ===-cIf]?kL ==============================dfq_
shf{
:jLs[t ug{ ul/Psf] l;kmfl/znfO{ ;ldIff u/L shf{ :jLs[ltsf nflu l;kmfl/z ub{5'÷5f}+ .

shf{ ;ldIfssf] gfd != @=

b:tvt
kb÷sf]8 g+=
ldlt

288 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}s
+ ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

!#=shf{ :jLs[lt
lhNnf =============uf=kf=÷g=kf= ============== j8f g+= ===, ================== l:yt
================================================= nfO{ dfly pNn]lvt zt{ ;'ljwf cGtu{t /xg] u/L dflh{g s6fO{ cfPsf]
lwtf] ?===================. lnO{ yf]s shf{ p4]Zodf rfn' k'FhL shf{tkm{ ?=================. -cIf]?kL
==============================dfq_ shf{ :jLs[t ub{5' .
pk/f]Qm cg';f/ :jLs[t x'g] shf{ /sd ?================.–o; sfof{nosf] shf{ :jLs[t ug]{ clVtof/ ;LdfeGbf a9L
ePsf]n] shf{ :jLs[ltsf] nflu l;kmfl/z;lxt shf{ u|fxssf] ldl;n If]qLo sfof{no÷d'Vo sfof{no k7fpg] lg0f{o
ub{5' .

!$=sfof{nosf] sf/f]af/sf] ;+lIfKt ljj/0fM

ljj/0f aflif{s nIo xfn;Ddsf] k|ult km/s

/sd k|ltzt
s'n n=/=/= /sd
s'n lgIf]k /sd
lgliqmo shf{ cg'kft
afFsL Aofh
;DalGwt If]qut shf{sf]
k|ltztM
gfkmf
shf{ lgIf]k cg'kftM

gf]6M shf{ :jLs[ltsf] nflu If]qLo sfof{no÷d'Vo sfof{nodf k7fpg'kg]{ shf{ ldl;nsf] xsdf clgjfo{ ?kdf pk/f]Qm
ljj/0f eg{'kg]{5 .
k|aGwssf] gfd
b:tvt
sf]8 g+=

ldlt

-b|i6JoM shf{ :jLs[t eO{;s]kl5 ;Demf}tf, td;'s / cGo sfuhftx?sf] tof/Lsf] nflu ;a} sfuhftx? / of] k|ltj]bg
;DalGwt clws[t ;dIf k]z ug'{kg]{5 ._] 376

376
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 289

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
[cg';"rL !@=*
===================sfof{no===================
qm]l86 sf8{ ;'ljwf :jLs[lt k|:tfj kmf/fd
-shf{ sfo{ljlw, @)&# sf] bkmf !^ ;Fu ;DalGwt_
-s_ qm]l86 sf8{ ;'ljwf cfj]bssf] ljj/0fM

cfj]bssf] gfdy/
gf=k|=g+=÷hf/L ug]{ lhNnf÷hf/L ldlt
:yfoL n]vf gDa/ -PAN_
/fli6«o kl/rokq÷dtbftf kl/rokq÷;jf/Lrfns cg'dlt
klxrfg v'Ng] cGo kl/rokq kq÷kf;kf]6{ g+= ===========
klt÷kTgLsf] gfd
klt÷kTgLsf] gf=k|=g+=÷hf/L ug]{
lhNnf÷hf/L ldlt
afa'÷;';'/fsf] gfd
Affh]sf] gfd
:yfoL
7]ufgfM
xfnsf]
;Dks{ g+=÷Od]n 7]ufgf
/f]huf/L cfo x'g]sf] sfo{/t sfof{nosf]
gfd tyf 7]ufgf

-v_ JolQmut hdfgt lbg]sf] ljj/0fM

gfdy/ 7]ufgf :yfoL
c:yfoL
kmf]g÷df]jfOn g++= Od]n 7]ufgf
PAN gf=k|=g+=÷lhNnf÷ldlt
klt÷kTgLsf] gfd afa'÷;;'/fsf] gfd
afh]sf] gfd JolQmut hdfgt
lbg]sf] k]zf
-u_ shf{÷;'ljwf sf/f]af/sf] cj:yfM
!= s[lif ljsf; a}+s ln=;Fu ePsf] shf{÷;'ljwf sf/f]af/sf] cj:yf
qm]l86 sf8{ cfj]bsn] o; a}+saf6 o;cl3 lnPsf] shf{sf] ;b'kof]lutf, shf{ e'QmfgLsf] O{ltxf;,
k'g/tflnsLs/0f jf k'g/;+/rgf u/]÷gu/]sf] ljifodf pNn]v ug'{xf]nf .

shf{sf] shf{÷;'ljwf :jLs[t afFsL /x]sf]

u|fxssf] gfd shf{÷;'ljwf /sd ?= shf{sf] ju{÷cj:yf
p2]Zo ldlt /sd ?=

290 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}s
+ ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
@= cGo a}s
+ tyf ljQLo ;+:yf;Fu ePsf] shf{÷;'ljwf sf/f]jf/sf] cj:yfM

u|fxssf] shf{sf] shf{÷;'ljwf :jLs[t afFsL /x]sf]

gfd p2]Zo shf{÷;'ljwf /sd ?= shf{sf] ju{÷cj:yf
ldlt /sd ?=

-3_ cfj]bsn] dfu u/]sf] ;'ljwf

;'ljwfsf] gfdM
/sd ?= cjlwM

-ª_ cfj]bsn] k]z u/]sf] sfuhft ;DaGwL ?h' kmf/fd

;a} cfjZos sfuhftx? k|fKt eP÷gePsf] clgjfo{ ?kdf Plsg ug'{ kg]{5 .
?h' ug]{ sd{rf/Lsf]
cfjZos sfuhft ePsf] gePsf]
b:tvt
!= qm]l86 sf8{ ;'ljwf cfj]bg kmf/fd
@= cfDbfgLsf] >f]t v'Ng] k|df0f
#= cfj]bsn] k]z ug'{kg{] hfgsf/L÷sfuhftx?
$= ;fv ;"rgf / ax'a}+lsË shf{ sf/f]af/sf] ljj/0f
%= KYC ljj/0f
^= a}+sn] dfu u/] adf]lhdsf cGo sfuhftx?

-r_ cfDbfgL vr{÷hf]lvd ljZn]if0f

!= qm]l86 sf8{ ;'ljwf cfj]bssf] cfo Joosf] ljZn]if0fM
cfo zLif{s
pBf]]u÷Jofkf/÷Joj;fo
/f]huf/L÷k]G;g
;jf/L ;fwg
3/ef8f
s[lif Joj;fo -v]tLkftL÷kz'k+IfLkfng,cGo_
cGo
-s_ s'n cfo
Joo zLif{s
pBf]u Jofkf/ Joj;fo
vfgkLg÷rf8kj{
lzIff
kf]zfs
:jf:Yo

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 291

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
s[lif Joj;fo -v]tLkftL÷kz'k+IfLkfng, cGo_
cGo
-v_ s'n Joo
-u_ s'n art Ö -s–v_

@= cfj]bssf] Psf3/ kl/jf/sf cGo ;b:ox?sf] cfo;|f]tsf] ljj/0fM

qm=;+ Gffd Gfftf k]zf / kb sfo{/t ;+3÷;+:yf, sfof{nosf] aflif{s cg'dflgt
;DaGw gfd / 7]ufgf cfo ?=

3= qm]l*^ sf*{ ;Ldf lgwf{/)f ubf{ u|fxssf] hf]lvd jlu{s/)f

qm=;+= ef/ tTjx? cfwf/ c+s
@! b]lv @% ;Dd 4
@% b]lv #) ;Dd 8

1 10 pd]/ #) b]lv $) ;Dd 10

$) b]lv %) ;Dd 8
%) eGbf dfly 4
cfkm'g} 3/ 10
2 10 cfjf;
ef8f 5
5}g 15
Ps 12
3 15 cfl>t ;+Vof
b'O{ 8
b'O{ eGbf a9L 4
;/sf/L ;]jf 15
k|fO{e]6 sDkgL jf kmd{ 7
4 15 k]zf Joj;fo
klAns sDkgL jf s'6g}lts ;]jf 10
k]G;g jf :j/f]huf/ jf cGo 7
?= @% xhf/ ;Dd 10
?+ @% xhf/ b]lv $) xhf/ ;Dd 15
5 25 dfl;s cfDbfgL
?=$) xhf/ b]lv ^) xhf/ ;Dd 20
?= ^) xhf/ eGbf a9L 25
Ps jif{ ;Dd 2
Ps b]lv kfFr jif{;Dd 4
6
kfFr b]lv bz jif{ ;Dd 6
10 k]zfsf] cjlw !) b]lv !% jif{;Dd 8
!% jif{ eGbf a9L 10
;]jf cjlw b'O{ jif{ jfFsL jf k]G;g k|fKt 2

292 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}s
+ ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
c;n shf{ u|fxs 15
Ps jif{ eGbf a9L b]lvsf] lgIf]k u|fxs 10

7 15 a}+s;Fusf] ;DaGw Ps jif{ leqsf shf{ jf lgIf]k u|fxs 5

a}+ssf axfnjfnf sd{rf/L 15
a}+ssf e'tk"j{ sd{rf/L 10
8 100 hDdf

qm=;+= tTjx? ef/f+s

1 pd]/
2 cfjf;
3 cfl>t ;+Vof
4 k]zf Aoj;fo
5 dfl;s cfDbfgL
6 k]zfsf] cjlw
7 a}+s;Fusf] ;DaGw
8 hDdf
9 v"b dfl;s cfDbfgL qm=;+=5 cg';f/
10 u'0fs -ef/f+s_ qm=;+=8 cg';f/
11
hf]lvd tTjx?sf] cfwf/df
pknAw u/fpg] ;Sg] qm=;+=-5 / 8_ sf] u')fgkmnsf] 1=5
clwstd ;'ljwf ;Ldf u')ff;Dd .
-5_ qm]l86 sf8{ l;kmfl/z tyf :jLs[lt v08M
!= qm]l86 sf8{sf] d'Vo zt{ tyf ;'ljwfx?M

s|]l86 sf8{sf] cjlw

l;kmfl/z ul/Psf] qm]l86 sf8{ ;'ljwf /sd
;]jf z'Ns
z'Nsx? ;fv ;"rgf z'Ns
cGo
rNtL÷art vftfdf sfod ug{'kg]{ Go"gtd df}Hbft /sd

cGo zt{ tyf kl/zt{x?

!=
@=
#=

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 293

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

@= qm]l86 sf8{ ;'ljwf l;kmfl/zM

u|fxssf] cfDbfgL tyf vr{sf] ljj/0fsf] ljZn]if0f ubf{ qm]l86 sf8{ ;'ljwf k|bfg ug{ pko'Qm b]lvPsf]n] lhNnf
==============uf=kf=÷g=kf ===============j8f g+= ===, ====================== a:g] >L÷>LdtL =============================== nfO{
dfly pNn]lvt zt{÷;'ljwf cGtu{t /xg] u/L qm]l86 sf8{ ;'ljwf ;Ldf /sd ?================ ===-cIf]?kL
==============================dfq_ :jLs[t ug{ l;kmfl/; ub{5÷ ' 5f}+ .

l;kmfl/zstf{sf] gfdM != @=
b:tvt
kb÷sf]8 g+=
ldlt
#= qm]l86 sf8{ ;'ljwf ;ldIffM
lhNnf ==============uf=kf=÷g=kf ===============j8f g+= ===, ==================== a:g] >L÷>LdtL ===============================
nfO{ dfly pNn]lvt zt{ ;'ljwf cGtu{t /xg] u/L qm]]l86 sf8{ ;'ljwf ;Ldf ?================ ===-cIf]?kL
==============================dfq_ :jLs[t ug{ ul/Psf] l;kmfl/;nfO{ ;ldIff u/L qm]l86 sf8{ ;'ljwf :jLs[ltsf nflu
l;kmfl/z ub{5'÷5f}+ .

;ldIfssf] gfd != @=
b:tvt
kb÷sf]8 g+=
ldlt
$= qm]l86 sf8{ ;'ljwf :jLs[ltM
lhNnf ==============uf=kf=÷g=kf ===============j8f g+= ===, ============================== a:g] >L÷>LdtL
=============================== nfO{ dfly pNn]lvt zt{ ;'ljwf cGtu{t /xg] u/L qm]l86 sf8{ ;'ljwf ;Ldf
?================ ===-cIf]?kL ==============================dfq_ :jLs[t ug{ ldl;n k|b]z sfof{no÷d'Vo sfof{no k7fpg]
lg0f{o ub{5' .
k|aGwssf] gfd
b:tvt
sf]8 g+=
ldlt

] 377

377 ;+rfns ;ldltsf] ldlt @)&^.!).@* a}7s g+ *)$ af6 yk ul/Psf] .

294 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 u|fxssf] gfdM
s[lif ljsf; a}+s lnld6]8 u|fxs g+M
cg';'rL !@=(
==================sfof{no =================
[shf{÷;'ljwf l;kmfl/z k|:tfj ]378
-d'Vo sfof{noaf6 :jLs[t x'g] shf{ ;'ljwfsf] nflu k|b]z sfof{non] ug]{ l;kmfl/z k|of]hgsf nflu_
-shf{ sfo{ljlw, @)&# sf] bkmf !^ ;Fu ;DalGwt_
shf{÷;'ljwf cfj]bgsf] btf{ g+=÷ldlt u|fxssf] ldl;n g+=
kl/of]hgf÷lwtf]sf] :ynut lg/LIf0f ldlt u|fxs g+= Customer ID
a}+s;Fusf] ;DaGw ======== jif{
shf{ tyf ;'ljwfsf] ;+If]k k|:tfj
;d"xsf] ;d"x
gofF÷gjLs/0f÷yk÷k'g/tflnlss/0f÷cGo
gfd sf]8
!= u|fxssf] ljj/0f
u|fxssf] gfd
;+:yfsf] lsl;d k|f]k|fO6/÷;fem]bf/L÷;+:yf÷k|f=ln=÷ln=
;+nUg Joj;fo
clVtof/k|fKt JolQmsf] gfd, 7]ufgf / ;Dks{ g+=
;+:yfsf] /lhi68{ 7]ufgf k|b]z÷lhNnf÷uf=kf=÷g=kf=
;+:yfsf] xfnsf] 7]ufgf k|b]z÷lhNnf÷uf=kf=÷g=kf=
;Dks{ g+=÷Od]n 7]ufgf
k|f]k|fO{6/÷d'Vo gfd y/ / 7]ufgf
;fem]bf/÷cWoIfsf] gf=k|=g+=, lhNnf / ldlt
btf{ g+=÷ldlt÷btf{ ePsf] lgsfo
PAN/VAT/Excise÷ldlt÷lnPsf] lhNnf
@= u|fxssf] a}+s tyf ljQLo ;+:yf;Fu ePsf] shf{÷;'ljwf sf/f]jf/sf] cj:yfM
cGo a}+s tyf ljQLo
ljj/0f s[lif ljsf; a}s ln= s'n /sd jlu{s/0f
;+:yf
;Ldf ?= afFsL ?= ;Ldf ?= afFsL ?= ;Ldf ?= afFsL ?=
sf]if Psn
u}/ sf]if Psn
sf]if ;d'x
u}/ sf]if ;d'x
s'n /sd ?=
#= o; a}+sdf sfod x'g] shf{ tyf ;'ljwfM
zLif{s k"j{ :jLs[t shf{ ePdf gofF÷yk÷36 s'n ;Ldf ?=
;Ldf ?= afFsL ?= :jLs[t ldlt clGtd e'QmfgL ldlt
===============shf{
===============shf{
hDdf sf]ifdf
cfwfl/t
============ hdfgt
============ k|tLtkq
hDdf u}/ sf]ifdf
cfwfl/t ;'ljwf
hDdf

378 ;+rfns ;ldltsf] ldlt @)&&.!@.@% af6 yk ul/Psf] .

 s[lif ljsf; a}+s ln=

$= lwtf]sf] ljj/0f
lwtf]sf] ljj/0f
lwtf]wgLsf] gfd u|fxs;Fu hUufsf] d"Nofs+g /sd 3/sf] d"Nofs+g
qm=;+= Uff=kf=÷ lsQf
y/ / 7]ufgf ;DaGw lhNnf j8f g+ l;6 g+= hUufsf] If]qkmn 3/sf] If]qkmn ?= /sd ?=
g=kf= g+=

hUUffsf] s'n d"Nof+sg ?=

3/sf] s'n d"Nof+sg ?=
hDdf 3/ / hUufsf] d"Nof+sg ?=
dflh{g k|ltzt / /sd ?=
dflh{g s§f u/L sfod ePsf] shf{÷;'ljwfof]Uo /sd ?=
cIf]?kL

%= u|fxs÷kl/of]hgf tyf lwtf] ;DaGwdf k|b]z sfof{nosf] /foM

^= shf{÷;'ljwf l;kmfl/;sf] lg0f{oM

b:tvt M b:tvt M b:tvt M

gfd M gfd M gfd M
kb M kb M kbM
sf]8 g+= M sf]8 g+= M sf]8 g+=M
 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ cg';"rL !#=!

====================sfof{no =================== kmf]g g+=M ==========

shf{ :jLs[lt k|:tfj kq ˆofS; g+=M =========
-shf{ sfo{ljlw @)&# sf] bkmf @* ;Fu ;DalGwt_
r=g+=M===== ldlt M ========================

>L
===================
====== k|f]=÷;+=
===================
=============================.

ljifo M shf{ :jLs[t ePsf] hfgsf/L ;DaGwdf .

dxf]bo,
k|ydtM tkfO{+ o; a}+s;“u sf/f]jf/ ug{ O{R5's x'g' ePsf]df xflb{s :jfut ug{ rfxG5f}+ . tkfO{+n] ==============
shf{÷a}+lsË ;'ljwf pknAw u/fO{ kfpm“ egL ldlt ============== df u/]sf] cfj]bg cg';f/ o; a}+ssf tkm{af6
tkfO{+nfO{ ======= shf{÷============;'ljwf :jLs[t ul/Psf] Joxf]/f hfgsf/L u/fp“b5f}+ .

:jLs[t shf{÷;'ljwf k|:tfj kqsf] @ k|lt o;} kq;fy ;+nUg u/L k7fPsf 5f}+ . pQm :jLs[t k|:tfj kqdf pNn]v eP
cg';f/sf sfuhftx?df tkfO{+n] jf tkfO{+sf] tkm{af6 clVtof/ k|fKt JolQmn] ;xL5fk u/L Ps k|lt tkfO{+n] g} /fvL
csf]{ k|lt o; a}+snfO{ lkmtf{ a'emfO{ lbg'xf]nf .

tkfO{+;“u nfdf] ;do;Dd Joj;flos ;DaGwsf] ck]Iff

/fVb5f}+ . wGojfb .

===========================
cflwsfl/s b:tvt

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 297

 cg';"rL !#=!
s[lif ljsf; a}+s ln=
ldltM ===============
- ====================== shf{÷;'ljwfsf] nflu_
-of] k|:tfj kq u|fxs / a}+saLr ePsf]n] Uff]Ko /xg]5_

>L =========================================================================================
k|f]k|fO{6/÷d'Vo ;fem]bf/÷;+rfnssf] gfdM
=================================== u|fxssf] 7]ufgfM
=======================================================================

ljifoM ============shf{÷;'ljwf k|:tfj kq .

dxf]bo,

tkfO{+n] ============sfo{ ug{sf nflu ======== shf{÷;'ljwf pknAw u/fO{ kfpm“ egL ldlt ==============df
u/]sf] cfj]bg cg';f/ xfdL, s[lif ljsf; a}+s lnld6]8, ======sfof{no ===========sf tkm{af6 tkfO{+nfO{
lgDglnlvt zt{ / kl/zt{x?sf] clwgdf /xL ============p2]Zosf] shf{÷;'ljwf k|:tfj ub{5f}+ .

[!= shf{sf] ljj/0f b]xfo adf]lhd /x]sf] 5 .

qm=;+= shf{sf] k|s[lt p2]Zo÷zLif{s shf{ shf{sf] lwtf] dflh{g Jofhb/ ;]jf gjLs/0f
;Ldf ?= cjlw Ü Ü z'Ns Ü z'Ns Ü
cfjlws

rfn'

@= ;'ljwfsf] ljj/0f b]xfo adf]lhd /x]sf] 5 .

qm=;+= ;'ljwfsf] lsl;d :jLs[t cjlw lwtf] lwtf] sldzg Go'gtd

;Ldf ?= dflh{g se/]h Ü k|ltzt - z'Ns ?=
k|ltzt q}dfl;s_
af]knq hdfgt ! jif{
sfo{;Dkfbg ! jif{
hdfgt
clu|d e'QmfgL ! jif{
hdfgt
w/f}6L hdfgt ! jif{
==== hdfgt ! jif{
k|tLtkq ;'ljwf ! jif{
shf{ k|ltj4tf ! jif{
;'ljwf
298 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ cg';"rL !#=!

-a}+sn] cfˆgf] Psn :jljj]sLo cfwf/df s'g} hdfgt hf/L ug{ O{Gsf/ ug{ ;Sg]5_
#= shf{sf] pkof]u -Utilization of Loan_M Revolving shf{sf] xsdf u|fxsn] :jLs[t ;Ldfleq /xL shf{ lng, r'Qmf
ug{ / k'gMshf{ lng ;Sg]5 . ;Ldf /2 geP;Dd ;'ljwf pkof]u ug{ ;lsg]5 .

$= shf{sf] Jofhb/M =====k|ltzt -jflif{s Jofhb/_ . pQm b/df jf ;do ;dodf a}+sn] tf]s] adf]lhdsf] b/n] tkfO{n]
pkef]u u/]sf] shf{ /sddf b}lgs cfwf/df lx;fj u/L tkfO{sf] vftfaf6 a}+sn] pQm /sd lng ;Sg]5 . Jofhb/df
cfjZostf cg';f/ yk36 ug{ ;Sg] clwsf/ a}+snfO{ x'g]5 . q}dfl;s ?kdf cfwf/b/ -Base Rate_ df kl/jt{g x'Fbf
Aofhb/df kl/jt{g x'g ;Sg]5 .
%= ;fv ;"rgf z'Ns (CIC Charge) M ?========.–
^= k|lta¢tf z'Ns (Commitment Charge): tkfO{n] pkef]u u/]sf] =========== shf{sf] cf}ift pkof]lutf (Average
Utilization) x]/L lgDg adf]lhdsf] k|ltj4tf z'Ns tkf+O{n] a'emfpg' kg]{5 M
s_ olb shf{sf] Average Utilization /sd %) k|ltzteGbf sd ePdfM Unutilized shf{ /sdsf] ========
k|ltztn] x'g cfpg] /sd .
v_ olb shf{sf] Average Utilization /sd %) k|ltzteGbf a9L t/ &% k|ltzteGbf sd ePdfM Unutilized
shf{ /sdsf] ======= k|ltztn] x'g cfpg] /sd .
u_ olb shf{sf] Average Utilization /sd &% k|ltzt jf ;f]eGbf a9L ePdfM z'Ns gnfUg] .

&= zt{ tyf lgod kl/jt{g z'Ns M shf{sf] ;]jf z'Nssf] ====% jf ?======.– h'g a9L x'G5 .
(Change in Terms & Conditions Charge)
*= gjLs/0f -Renewal_ M tkfO{n] pkef]u u/]sf] ============shf{{÷;'ljwf ;Gtf]ifhgs /x]df
tkfO{sf] cfjZostf cg';f/ gjLs/0f ug{ cg'/f]w ug'{ ePdf /
a}+ssf] zt{ aGb]hx? k'/f ePsf] cj:yfdf gjLs/0f ug{ ;lsg]5 .
(=;'/If0fx? -Securities_M
!_ 3/hUuf lwtf] ;'/If0fM
qm=;+= lwtf]wgLsf] gfd lwtf] /x]sf] If]q lsQf If]qkmn 3/sf]
lhNnf g=kf=÷uf=kf= j8f g+= If]qkmn
g+=

pk/f]Qm hUufdf s'g} yk lgdf{0f sfo{x? ePdf ;f] ;d]t tyf lnunufkftx? ;d]t lwtf] /xg]5 .
@_ k|tL1f kq -Promissory Note_ .
#_ shf{ td;'s -Loan Deed_ .
$_ JolQmut hdfgL lbg]sf] ljj/0fM

qm=;+= JolQmut hdfgt lbg]sf] gfd u|fxs;usf] ;DaGw

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 299

 cg';"rL !#=!
s[lif ljsf; a}+s ln=
%_ u|fxsn] lnhdf lnPsf ======g=kf=÷uf=kf= j8f g+=====, l:yt ;Dk'0f{ hUufdf /x] ePsf ;Dk"0f{ dfnj:t'x? tyf
rn ;DklQx? ;d]t xfO{kf]lys]zg -Hypothecation_ df /xg]5g\ .
^_ u|fxsn] cfˆgf cf;fdLx?af6 p7fpg kfpg] /sd -Book Debts_ ;d]t xfO{kf]lys]zg -Hypothecation_ df /xg]5g\
.

!)= xhf{gf Jofh (Penal Interest)M a}+sn] tf]s] adf]lhd u|fxsn] ltg'{ a'emfpg' kg]{ Aofh tyf ;fFjf ;dodf
glt/]df jf shf{ gaLs/0f gu/]df a}+sn] ;do–;dodf tf]s] adf]lhdsf]
xh{gf Jofh nfUg]5 . ] 379
!!= lg/LIf0f -Inspection_M a}+sn] cfjZos 7fg]df k"j{ ;"rgf lbO{ jf glbO{ ;do ;dodf lwtf] aGws
/fv]sf];DklQ tyf k|bQ ;'ljwfsf] ;b'kof]lutfsf] lg/LIf0f ug{ ;Sg]5 .
!@= e'QmfgL -Repayment_M shf{sf] Jofh dfl;s?kdf / ;fFjf /sd tf]lsPsf] e'QmfgL Dofbleq ug'{
kg]{5 . dfly :ki6?kdf cGoyf pNn]v u/]sf]df afx]s x/]s shf{÷;'ljwf
a}+sn] dfu ugf{;fy t'?Gt lkmtf{ e'QmfgL ug'{ kg]{5 .
!#= zt{x? -Covenants_M
dfly pNn]lvt shf{ jf a}ls· ;'ljwfx? k"0f{?kn] r'Qmf e'Qmfg geP;Dd u|fxsn] lgDg
adf]lhdsf zt{x? k"0f{?kn] kfngf ug'{ kg]{5 M
s_ a}+snfO{ ;'/If0f :j?k lbO{Psf ;Dk"0f{ rn–crn ;DklQ a}+snfO{ dfGo x'g] aLdf sDkgLaf6 a}+snfO{ k|yd
lxtu|fxL agfO{ aLdf u/L pQm aLdf kf]ln;L k]z ug'{ kg]{5 . ;'/If0f:j?k lbO{Psf rn–crn
;DklQsf] clUg tyf e'sDk wSsf, x'nb+uf tyf x8tfn, å]ifk"0f{ gf]S;fgL tyf cft+sjfb, ;a} lsl;dsf
rf]/L -;]wdf/L tyf gsahgL_ ;d]tsf] hf]lvdnfO{ vfDg] u/L aLdf u/]sf] x'g' kg]{5 .
v_ u|fxssf] gfkmf gf]S;fg lx;fj, jf;nft, gub k|jfx ljj/0f, Joj;flos sfo{ of]hgf tyf cGo cfly{s
tyf u|fxssf] Joj;fo;“u ;DalGwt ;Dk"0f{ hfgsf/Lx? a}+sn] dfu u/]sf] avt k]z ug'{ kg]{5 . ;fy}
pNn]lvt ljj/0fx? a}+ssf] shf{÷a}+lsË ;'ljwfsf] gjLs/0f x'g'eGbf klxn] g} a}+sdf k]z u/]sf] x'g' kg]{5
.
u_ k|rlnt g]kfn sfg"g, g]kfn /fi6« a}+ssf] lgb]{zg tyf a}+ssf] gLlt, lgod tyf ltg\df ;do ;dodf x'g]
;+zf]wg ;lxtsf k|fjwfgx? ;bf;j{bf kfngf ug{ d~h"/ ug'{sf ;fy} dfly pNn]lvt ;Dk"0f{ shf{ jf
a}+lsË ;'ljwf ;d]t To;af6 k|zfl;t tyf ;~rflnt x'g] s'/fdf shf{ u|fxs d~h"/ ub{5 .
3_ shf{ u|fxssf] cGo ;Dk"0f{ Joj;fo ;d]t a}+s dfkm{t\ ug{df k|:tfj u/L a}+saf6 ug{ g;Sg] jf ug{ gldNg]
ePdf dfq cGoq n}hfg d~h"/ ub{5 .
ª_ dflysf s'g} klg shf{ jf a}+lsË ;'ljwf dfly pNn]lvt k|of]hg jfx]s cGo k|of]hgsf] nflu k|of]u ug{
kfOg] 5}g .
r_ u|fxssf] s'g} klg lsl;dsf] rn crn ;DklQ a}+ssf] k"j{ lnlvt :jLs[lt glnO{ cGo s'g} a}+s jf
ljQLo ;+:yf jf nufgLstf{sf] gfddf jf lxtdf ;'/If0f /fVg] jf cGo s'g} k|sf/n] lnvt ul/ lbg] 5}g .
a}+ssf] gfddf jf lxtdf ;'/If0f :j?k lbPsf ;Dk"0f{ rn crn ;DklQsf] plrt :ofxf/ Pjd\ ;+/If0f
ug]{5 . To;/L ;'/If0f:j?k lbO{Psf rn crn ;DklQ pk/ s'g} lsl;dsf] bfjL kg{ cfPdf cfˆgf] tyf
a}+ssf] lxt /Iffsf] nflu pko'Qm sbd rfNg] 5 / ;f]sf] hfgsf/L a}+snfO{ ;d]t lbO{ u|fxsn] a}slNks
;'/If0f k|bfg ug]{5 .
5_ u|fxssf] n]vf k/LIf0f u/]sf] jflif{s ljQLo ljj/0fx?sf] k|dfl0ft k|ltlnkL (Certified Copies of Audited

379 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd ;fljs Joj:yf k|ltZyflkt ePsf]

300 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ cg';"rL !#=!

Annual Financial Statements) cfly{s jif{ ;dfKt ePsf] ^ dlxgfleq a}+snfO{ k]z ug'{ kg]{5
/ ;f] cg';f/sf] s/ r'Qmf k|df0fkq k]z ug'{ kg]{5 . s'g} sf/0fn] ;f] cjlwleq To:tf] n]vf k/LIf0f u/]sf]
ljj/0f tof/ x'g g;s]df cGtl/d ljj/0f (Provisional Statement) k]z ug'{ kg]{5 .
h_ u|fxssf] afFsL /x]sf] :6s -df}Hbft_, Joj;fo;Fu ;DalGwt ;fx' tyf cf;fdL (Trade Receivables and
Creditors) sf] ljj/0f q}dfl;s ?kdf jf a}+sn] dfu]sf] h'g;'s} jvt k]z ug'{ kg]{5 . ;fy} To:tf]
;Dk"0f{ ljj/0f x/]s q}df; ;dfKt ePsf] !% lbgleq k]z ug'{ kg]{5 .
em_ u|fxs 7f]; sfg"gL Pjd\ ;bljj]ssf] cfwf/af6 k|ltjfb ul/Psf] afx]s ;Dk"0f{ s/, z'Ns, b:t'/, dfu
adf]lhd a'emfpg'kg]{ /sd÷snd k"0f{?kn] tTsfn a'emfO{ Jooef/ /lxt e} a:g]5 .
`_ a}+ssf] k"j{ :jLs[lt glnO{ u|fxssf] Joj;fosf] k|s[ltdf s'g} kl/jt{g ug]{÷ug{ lbg], Joj;fo gfd;f/L jf
x:tfGt/0f ug]{ jf cGo s'g} lgsfo;Fu ;dflxt jf ljno ug]{÷x'g] jf z]o/wgL ;+/rgfdf kl/jt{g ug]{ jf ug{
lbg] 5}g .
!$= ljz]if zt{x? (Special Covenants):
u|fxs lgDg ljz]if zt{x? ;d]t kfngf ug{ d~h"/ ub{5M
s_ dfly pNn]lvt shf{÷;'ljwf k|fKt ug'{ cufj} o; k|:tfj kqdf pNn]v ePsf zt{gfdf cg';f/ a}+snfO{
C0fLn] ul/lbg' kg]{ shf{ td;'s tyf shf{÷a}+lsË ;'ljwfsf] k|s[lt cg';f/ a}+sn] tof/ u/]sf pQm shf{
;DaGwL ;Dk"0f{ lnvt sfuhftx?df ;xL5fk u/L a}+snfO{ ;'lDklbg]5f}+ .
v_ dfly pNn]lvt shf{÷;'ljwf k|fKt jf pkef]u ubf{ cfOkg]{ ;Dk"0f{ vr{x? u|fxs :jo+n] cfˆg} tkm{af6 Joxf]g]{
5.
u_ a+}ssf] k"j{ lnlvt :jLs[lt glnO{ u|fxsn] cGo s'g} a}+s jf ljQLo ;+:yfaf6 jf cGoq st}af6 s'g} k|sf/sf]
shf{÷;'ljwf lng] 5}g .
3_ a}+sn] sf/f]jf/sf] l;nl;nfdf k|rlnt g]kfn sfg"gdf pNn]v u/]sf] jf g]kfn /fi6« a}+ssf] lgb]{zgdf pNn]v
u/]sf] cj:yf k/]df u|fxs÷C0fL, hdfgtstf{ nufot ;Dk"0f{ ;DalGwt kIf jf JolQmx? pk/ s'g} klg
lsl;dsf] sfg"gL sf/jfxL rnfpg jf sfnf];"rLdf /fVg ;Sg] s'/fdf u|fxs÷C0fL d~h"/ ub{5 .
ª_ o; k|:tfj adf]lhd aLdf ug]{ / ;f]sf] gjLs/0f ug]{ ;Dk"0f{ cleef/f u|fxs :jo+sf] x'g]5 . olb s'g} sf/0faz
u|fxssf] tkm{af6 aLdf gu/]df jf gjLs/0f gu/]df a}+sn] cfkm}n] ;'/If0fdf /x]sf ;DklQsf] aLdf u/L jf aLdf
gjLs/0f ug{ ;Sg]5 / To:tf] /sd u|fxssf] vftfdf vr{ n]vL shf{ /sd ;/x Jofh
;lxt p7fpg kfpg]5 .
r_ u|fxsn] cfkm'n] ltg'{kg]{ ;Dk"0f{ bfloTj glt/];Dd / To:tf u|fxssf] v'b ;DklQ cfkm'n] ltg'kg]{ ;Dk"0f{
bfloTjeGbf a9L geP;Dd jf shf{ :jLs[t kqdf shf{ / :jnfut cg'kft tf]s]sf]df ;f] :jnfut nufgL
geP;Dd ;fy} cfkm'n] ltg'{kg]{ ;Dk"0f{ bfloTj glt/] ga'emfP;Dd cfˆgf z]o/wgL jf ;fem]bf/x?nfO{
Joj;foaf6 k|fKt nfef+z jf gfkmf af“8\g] 5}g .
5_ u|fxsn] a}+ssf] k"j{ :jLs[lt glnO{ cfˆgf z]o/wgL tyf ;~rfnsnfO{ ltg'{ a'emfpg' kg]{ /sd snd r'Qmf
e'QmfgL ug]{ 5}g .

!%= pNn+3gsf] cj:yf (Events of Default)M

tn pNn]v ePsf s'/fx? jf kl/l:ylt pTkGg ePdf jf kfO{Pdf zt{ pNn+3g -o;kl5 æpNn+3gsf] cj:yf
elgPsf]Æ_ ePsf] dflgg] 5M
s_ C0fLn] o; k|:tfjkq adf]lhd k|fKt ug]{ shf{÷a}+lsË ;'ljwf k|fKt ug{sf] nflu lbPsf] cfj]bg jf o;
k|:tfjkq adf]lhd lbPsf] jf k|:tfjkqdf n]lvPsf] s'g} klg ljj/0f, pb\3f]if0ff jf s'g} klg ljQLo ljj/0f
jf of]hgf c;To -Untrue_ jf em'7f] -False_ jf axsfpk"0f{ -Misleading_ ;fljt ePdf jf Ps} cfly{s
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 301
 cg';"rL !#=!
s[lif ljsf; a}+s ln=
jif{sf] ljQLo ljj/0f bf]xf]/f] -Duplication_ ;fljt ePdf .
v_ C0fLn] o; k|:tfjkq adf]lhd ltg'{kg]{ ;dofjlwleq ;fFjf jf Jofh ltg{ g;s]df jf C0fLsf] rNtL vftfdf
kof{Kt df}Hbft g/fv]df jf To:tf] afFsL /x]sf] /sd ;fFjf jf Jofh ltg{ ck'u ePdf . ;fy} ;dofjlw leq}
shf{sf] gjLs/0f u/fpg g;s]df .
u_ C0fLn] o; k|:tfjkq jf s'g} klg ;'/If0fsf] lnvtdf pNn]lvt s'g} klg zt{÷sa"lnotx?sf] kfngf gu/]df
jf ug{ g;s]df jf o:tf] ;'/If0fdf slx st}af6 bfjL kg{ cfPdf .
3_ s'g} klg clwsf/ k|fKt lgsfoaf6 C0fLsf] s'g} klg ;DklQ /f]Ssf /fVg] cfb]z hf/L eO{ lghsf] Joj;fo
k|efljt x'g] ePdf .
ª_ s'g} JolQm jf ;/sf/L jf clwsf/ k|fKt lgsfoaf6 C0fLsf] ;Dk"0f{ jf cf+lzs ;DklQ jf Joj;fo /f]Ssf,
hkmt jf efuj08f ul/Pdf jf ;f]sf] k|s[of z'? u/]df .
r_ C0fLn] a}+ssf] :jLs[lt j]u/ Joj;fo aGb u/]df cyjf Joj;fosf] k|s[lt kl/jt{g u/]df jf C0f
;'ljwfsf] lglb{i6 If]qdf ;b'kof]u gePsf] kfO{Pdf .
dflysf] s'g} Ps jf PseGbf a9L cj:yf jf kl/l:ylt pTkGg ePdf a}+snfO{ lgDg lnlvt clwsf/ k|fKt x'g]5M
s_ af“sL /x]sf] ;Dk"0f{ ;f“jf, Jofh, yk Jofh -Penal Interest_ tyf cGo n]gf /sdx? t'?Gt ltg{ nufpg] .
v_ u|fxsn] ;'/If0f:j?k lbPsf] ;Dk"0f{ jf s]xL ;DklQ cfˆgf]] sAhfdf lnO{ jf glnO{ lnnfd jf laqmL ug]{
/ ;f]af6 k|fKt x'g cfPsf] /sd cfkm'n] C0fL;“u lng'kg]{ /sddf ;dfof]hg ug]{ .
u_ a+}sn] of] k|:tfjkq jf shf{÷;'ljwf;“u ;DalGwt s'g} klg lnvtsf] s'g} klg zt{ aGb]h kfngf gu/L
/2 ug]{, s'g} klg shf{÷;'ljwfsf] lbg af“sL /sd tyf u|fxssf] lgIf]k /sd /f]Ssf ug]{ . zt{ aGb]hx?
cfˆgf] :jljj]sn] Psnf}6L ?kdf kl/jt{g ug]{ .
3_ u|fxssf] s'g} klg Contingent Liability l;h{gf ePdf ;f] afkt t'?Gt gub ;'/If0f -dflh{g_ /fVg nufpg] .
ª_ u|fxsn] ;'/If0f :j?k lbPsf] ;Dk"0f{ jf s]xL ;DklQ cfˆgf]] sAhfdf lnO{ jf glnO{ lnnfd jf laqmL ug]{
/ ;f]af6 k|fKt x'g cfPsf] /sd cfkm'n] C0fL;“u lng' kg]{ /sddf ;dfof]hg ug]{, o;/L lnnfd ubf{ sf]xL
s;}n] ;sf/ u/L glnPdf a}+s cfkm}n] ;sf/ u/L lng], ;'/If0fdf /x]sf ;DklQx? t]>f] kIfnfO{ cfk;L
;xdlt -Negotiation_ u/L laqmL u/L a}+ssf] n]gf /sd c;"n ug{ ;Sg] tyf a}+ssf] n]gf /sd c;"npk/
ul/lng k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL P]g tyf a}+s tyf ljQLo ;+:yfsf] C0f c;"nL P]g tyf
cGo k|rlnt g]kfn sfg"g adf]lhd sfnf] ;"rLdf ;dfj]z u/L sfg"gL sf/jfxL u/L a}+ssf] n]gf /sd
c;"npk/ ul/lng] clwsf/ a}+s;“u ;'/lIft /xg]5 .
!^= k"j{ zt{x? (Conditions Precedents)M
a}+sn] k|:t't k|:tfjkq u|fxsn] :jLs[t ug'{ cufj} h'g;'s} avt /2 ug{ ;Sg]5 .
!&= pb\3f]if0ffx? -Representations_M
C0fLn] lgDg lnlvt s'/fx? ;To ePsf] pb\3f]if0ff ub{5M
s_ C0fLn] o; k|:tfj kq adf]lhd ug]{÷u/]sf ;Dk"0f{ sfuhft÷lnvtx? sfg"gL ?kn] aGwgsf/L 5g\ . v_
C0fL tyf hdfgtstf{sf] lj?4df s'g} sfg"gL sf/jfxL rln/x]sf] 5}g .
u_ C0fLn] u/]sf s'g} klg sfd sf/jfxL, Joj;fo, jrgjåtf, lnvt cflb s'g} klg k|rlnt sfg"g jf
C0fLn] k|fKt u/]sf] cg'dltkqsf] Joj:yf ljkl/t 5}g .
3_ C0fL a}+ssf] Ps k|ltzt jf ;f]eGbf a9L z]o/ lnPsf] JolQm gx'g' ePsf] jf To:tf] s'g} JolQmsf]
kl/jf/sf]

302 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ cg';"rL !#=!

;b:o jf a}+ssf] ;~rfns dgf]lgt jf lgo'lQm ug{ kfpg] kmd{, sDkgL jf ;+:yfsf] ;b:o gx'g' ePsf] .

!*= shf{÷a}l+ s· ;'ljwfsf ;DaGwdf x'g;Sg] vr{ C0fLn] Joxf]g'{ kg]{M

s_ a}+ssf] clwsf/ k|bfg ug]{, k|of]u ug]{, ;+zf]wg ug]{, kl/jt{g ug]{, c;"npk/ ug]{, cGTo ug]{, ;+/If0f
ug]{, ;'ljwf sfof{Gjog÷nfu" ug]{, u/fpg] jf ;'ljwfsf] ;DaGwdf lbOPsf] s'g} ;'/If0f c;"npk/ ug]{
l;nl;nfdf a}+sn] ltg'{ a'emfpg' k/]sf] jf u/]sf] ;Dk"0f{ vr{, z'Ns / b:t'/ -d'2f dfldnf nufotsf cGo
s'g} klg sfg"gL z'Ns ;d]t_ C0fLn] Joxf]g]{ 5 . a}+sn] dfu u/]sf jvt C0fLn] oL ;a} /sdx? t'?Gt}
a'emfpg' kg]{5 .
v_ a}+snfO{ ltg'{ a'emfpg' kg]{ o; ;'ljwf cGtu{tsf] ;f“jf, Jofh / ;Dk"0f{ jSof}tf /sd z'Nsx? tyf ;Dk"0f{
/sd afkt a}+sdf /x]sf] C0fLsf] s'g} klg vftf s'g} klg ;dodf vr{ ug]{ clwsf/ a}+sdf ;'/lIft /x]sf]
5.
!(= kl/Tofu -Waiver_M
a}+sn] lnlvt ;"rgf lbPsf] cj:yfdf afx]s a}+ssf] o; k|:tfjkq adf]lhdsf s'g} klg clwsf/dWo] s'g}
Psdfq clwsf/sf] k|of]u u/]sf] jf cf+lzs ?kdfdfq clwsf/sf] k|of]u u/]sf] sf/0fn] a}+sn] To:tf] k|of]u ug{
kfpg] clwsf/ kl/Tofu u/]sf]] dflgg] 5}g / oyf;dodf jf a}+sn] rfx]sf] avt To:tf] clwsf/ k|of]u ug{af6 a}+s
jl~rt x'g] 5}g jf a}+sn] C0fLnfO{ 5'6 lbPsf] dflgg] 5}g .
@)= cjwL jf Dofb -Validity_M

[of] k|:tfj kq o;df pNn]lvt ldltaf6 #% lbgsf] nflu dfGo x'g]5 . cyf{t\ C0fLn] shf{÷;'ljwf :jLs[t
ePsf] ldltn] #% lbgleq k|:tfjkqdf b:tvt u/L cfkmgf] :jLs[lt a}+s ;dIf k]z u/L ;Sg'kg]{5 . u|fxsn]
#% lbgleqdf k|:tfj :jLsf/ gu/]df :jLs[t ePsf] shf{÷;'ljwf ab/ x'g]5 . u|fxsn] shf{÷;'ljwf k|:Tffj
:jLsf/ gu/]klg u|fxsaf6 ;]jf z'Ns /sd c;"n pk/ ug{' kg]{5 .]380
@!= hfgsf/L lbg;Sg] jf/]sf] d~h"/LM
C0fLn] o; lnvtåf/f a}+s, a}+ssf clws[t, k|ltlglw -Ph]G6_ / o;sf ;a} sfof{nox?nfO{ ;d]t lghsf] vftf
jf sf/f]jf/ ;DaGw Pj+ lghsf] shf{÷;'ljwfsf] ljj/0f, s'g} ;'/If0f lbOPsf] eP To:tf] ;'/If0f, a}+s;“u ul/Psf]
sf/f]af/, a}+sdf /x]sf] df}Hbft / l:ylt ljj/0f ;d]tsf] hfgsf/L lgDglnlvt JolQm, sfof{no jf lgsfonfO{
pknAw u/fpg d~h"/ lbPsf] 5 M
-!_ a}+ssf] ljleGg txsf sfof{nox? jf a}+s;“u cfj4 lgsfo jf k|ltlglwnfO{ .
-@_ a}+saf6 :jLs[t kIfx?;“u uf]klgotf sfod /fVg] st{Jo ePsf To:tf :jLs[t kIfx?nfO{ .
-#_ shf{ jf lwtf] x:tfGt/0f u/L lng] JolQm÷kmd{÷sDkgL .
-$_ s'g} :jLs[t kIfsf] :t/ lgwf{/0f ug]{ s'g} lgsfo, aLds jf aLdf bnfn jf :jLs[t kIfnfO{ k|ToIf jf
ck|ToIf shf{ ;+/If0f k|bfg ug]{ JolQm .
-%_ a}+s tyf C0fL kIf pk/ If]qflwsf/ ePsf] s'g} klg cbfnt jf Gofoflws/0f jf lgodgsf/L, n]vf
k/LIfs, ;'k/Lj]IfsLo, ;/sf/L jf cw{ ;/sf/L lgsfo tyf cg';Gwfg tyf txlssft ug]{ lgsfo .
-^_ k|rlnt sfg"g adf]lhd hfgsf/L pknAw u/fpg'kg]{ cGo AolQm, ;+u7g, lgsfo jf clwsf/L .
380
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd æ of] k|:tfj kqdf pNn]lvt ldltaf6 @! lbgsf] nflu dfGo
x'g]5 . cyf{t\ C0fLn] of] k|:tfj pNn]lvt ldltaf6 @! lbgleq :jLsf/ u/L cfgf] :jLs[lt a}+s ;dIf k]z ul/ ;Sg'kg]{5 . Æ eGg] Joj:yf k|lt:yfkg
ePsf]
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 303
 @@= sfg"g tyf clwsf/ If]q (Law & Jurisdiction)M
of] k|:tfjkq -C0fLn] :jLs[lt lbO{ ;s]kl5 x'g] ;Demf}tf_ g]kfn sfg"g adf]lhd k|zfl;t e} g]kfnsf] cbfntsf]
If]qflwsf/leq /xg] 5 .

@#= shf{ tyf a}+ls· ;'ljwf x:tfGt/0f ug{ tyf ;f]xL lwtf]df k'g/shf{ lng ;Sg]M
k|rlnt sfg"gsf] clwgdf /xL cfkm"n] pko'Qm b]v]sf] s'g} klg t/Lsfn] tyf C0fLnfO{ s'g} klg tl/sfn] s'g}
;Gbe{ jf ;"rgf glbO{ shf{ jf ;f]sf] ;'/If0f x:tfGt/0f ug]{, ;f]xL lwtf]nfO{ k'gM ;'/If0f lbg;Sg] / ;f] ;'/If0fsf
cfwf/df k'g/shf{ lng ;Sg] clwsf/ a}+sdf /xg]5, / To:tf] x:tfGt/0f ubf{ g]kfnleq g]kfn /fi6« a}+s jf g]kfn
/fi6« a}+saf6 :jLs[t k|fKt s'g} klg a}+s tyf ljQLo ;+:yf, sDkgL jf kmd{ jf 6«i6nfO{ ;d]tnfO{ x:tfGt/0f u/L jf
lghsf] kIfdf ;'/If0f lbO{ a}+sn] k'g/shf{ lng ;Sg]]5 .
@$= ;"rgf -Notice_M
o; k|:tfjkq -;Demf}tf kq_ sf s'g} klg kIfn] csf]{ kIfnfO{ kq jf ˆofS;sf] dfWodaf6 lgDg lnlvt 7]ufgfdf
kqfrf/ ug{ ;Sg]5M M
a}+s -Bank_M C0fL -Borrower_M
>L s[lif ljsf; a}+s lnld6]8 >L ====================================
======= sfof{no ======= 7]ufgf===========================

of] k|:tfjkqdf pNn]lvt ;Dk"0f{ k|fjwfg tyf zt{ aGb]hx? txf“sf] d~h"/Lsf] k|df0f :j?k o; k|:tfjkqsf] csf]{
k|ltdf a}+ss} tkm{af6 tof/ ul/lbPsf] shf{÷;'ljwf k|:tfjkqsf] ;xdlt kqdf ;xL5fk u/L o; a}+snfO{ a'emfpg'
xf]nf .

wGojfb .
lgldQM s[lif ljsf; a}+s lnld6]8 u|fxssf] b:tvt====================
====== sfof{no ==========
>L ======= -u|fxssf] gfd_=====
================================ k|f]=÷;+================
k|aGws÷shf{ kmfF6 k|d'v u|fxssf] 7]ufgf============

-gf]6M shf{sf] k|s[lt tyf /sdsf] cfwf/df sfof{non] cfjZostf cg';f/ kl/dfh{g u/L of] ljj/0f u|fxsnfO{
pknAw u/fpg ;Sg]5 ._

304 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ cg';"rL !#=!

cg';"rL !#=@

ldltM==================

>L s[lif ljsf; a}+s ln=

======== sfof{no =======
========================== .

ljifoM shf{ tyf a}+lsË ;'ljwf k|:tfjkqdf ;xdlt hgfPsf] af/] .

dxf]bo,

of] kq;fy ;+nUg ldlt ============r=g+=========== sf] k|:tfjkqsf ;Dk"0f{ k|fjwfg tyf zt{ aGb]hx?
d}n]÷xfdLn] k9L, afrL, ;'gL / pNn]lvt k|fjwfg tyf zt{ aGb]hx?sf] cy{ / kl/0ffd ;d]t a'emL xfdLnfO{ pQm
k|:tfj kqdf pNn]lvt zt{ tyf aGb]hx? :jLsfo{ ePsf]n] d]/f]÷xfd|f] ;xdltsf] k|df0f :j?k o; kqdf ;xL5fk
ul/lbof}+ .

b:tvt÷5fk========================
u|fxssf] gfd ===========================
k|f]=÷;+==================================
u|fxssf] 7]ufgf=========

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 305

 [ Annex 13.3

PRIVATE
AND CONFIDENTIAL

Date: …………
Ref.No. ………..
Mr./Mrs. ………… (Name of the Borrower)
……………………… (Address of the Borrower)

Re: Education Loan Facility

Dear Sir/Madam,
With reference to your loan application for Education Loan dated …………………,
we Agricultural Development Bank Limited (herein after called as “the Bank”), are
pleased to offer Mr./Mrs. …………….. (herein after called as “the Borrower”) credit
facility in order to pursue ………………………..course from…………………… under
the terms and conditions stipulated as below:

Details of Credit Facility:

1. Facility Education Loan
Amount NPR. …………………… (Nepalese Rupees …………………)
Purpose To finance the education cost of the borrower
Interest ………% per annum or as may be specified by the Bank/Nepal Rastra Bank from time
to time.
Repayment The Education Loan will be for a period of …………..years and repaid in
………………… (in number) installments of Rs. ………………… (in words) each
exclusive of interest commencing from the subsequent month of the end of the
Prepayment Prepayment charge at the rate of 1% on prepaid loan amount shall be recovered
Charge from you. However, if loan is repaid after twelve months from the date of
disbursement, prepayment fee will not be charged.
Service A service charge of ………..% flat of the sanctioned amount will be collected upfront
Charge from your account.
CIC Charge Rs. 250.00 (For No Transaction Report) or Rs. 550.00 (For Transaction Report).
Amount will be collected upfront from your account.
Moratorium Moratorium period of maximum of ……….(in number) months can be provided.
Period
Commitment 1% on unutilized amount of approved loan limit shall be charged.
Fee
Legal and All expenses like valuator's fee, insurance premium, municipal charges, registration
Other Expenses charges and other incidental expenses including legal and litigation expenses
incurred in connection with the loan are to be borne by you.
Disbursement The loan amount will be disbursed after execution of the prescribed security
documents and completion of all formalities related to creation of mortgage.

306 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 2. SECURITY DETAILS:
The facility extended will be secured by the following collateral:
2.1 First Legal Mortgage of land and/or building (herein after referred as the
'collateral') in the name of the Bank, from the appropriate government
authority (and insured in the name of the Bank, until the loan remains
outstanding)
S.N. Owner Location Plot No. Area (Sq. Mtr.) Owner
District VDC/ Ward (Relation)
Municipality No.
1. ………. ……….. ………. ……… ………. …………….. ………….
2. ………. ……….. ………. ……… ………. …………….. ………….
a. The Borrower agrees that any other properties or assets, owned and
belonging to the Borrower and placed as security, to secure any such other
credit facilities and/or loans availed by the Borrower under different Credit
Facility Offer Letter(s) shall also be considered and constructed as security
for the credit facilities and/or loans availed by the Borrower under this Credit
Facility Offer Letter and the Bank in the event of default is fully entitled to
recover the credit facilities and/or loans availed by the borrower under this
Credit Facility Offer Letter from such other securities or residual part thereof.
b. Loan Deed to be signed by Mr./Mrs. ……………………. for NPR. …………….
c. Promissory Note to be signed by Mr./Mrs. ……………………. for NPR.
…………….
d. Personal Guarantee of Mr./Mrs.….. (father/mother/brother/sister/others…) for
NPR. ……..…
3 INURANCE:
An insurance of the collateral security to cover against all risks should be
arranged in the name of bank and the premium of the same has to be borne
by you. In case, no renewed insurance policy is submitted before 7 days
from the date of expiry of the policy, bank will arrange the same and your
account will be debited for payment of premium and other related expenses.
4 INTEREST:
Interest will be calculated on a daily basis on outstanding balance of
approved loan. Bank may change the interest rate at any time. If any terms
or conditions specified in offer letter or installment of loan is not paid in time
specified in offer letter, bank may have right to charge penal interest.
5 REPAYMENT:
It shall be understood that with the exception of this Facility where it is
specifically mentioned otherwise, all Bank advances are repayable on
demand.
6 UTILIZATION:
The loan should be utilized strictly for the purpose for which the loan limits
have been sanctioned. No modification from the original scheme can be
accepted from the bank.
7 INSPECTION:

266 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln=
The bank will carry
-g]kfnout
/fi6«inspection of s
a}+saf6 …sÚ ju{ mortgaged
f] Ohfhtkqk|fcollateral
Kt ;+:yf_ from time
cg'to
;"rtime
L !#=!
with or without prior arrangement, as the bank considers necessary.
8 COVENANTS:
Until the Facility is terminated or whilst any amount or commitment remains
outstanding the Borrower hereby covenants with the Bank to:
a. Submit to the bank other information, financial or otherwise, concerning
borrower's affairs that may be reasonably required by us in order to
conduct a review of the facility granted.
b. Comply at all times with the prevalent laws as may be amended from
time to time and agree that the facility shall be governed and construed in
accordance with Nepal Law with the non-exclusive jurisdiction of the
courts of Nepal.
c. To pay to the Bank on demand all expenses, costs or charges incurred in
recovering or recover the possession thereof from any one in whose
possession the collateral is for the time being.
d. To allow the Bank to revalue mortgaged properties by the Bank’s
approved valuators at its sole discretion as and when deemed
necessary. The charges arising out of such revaluation shall be fully
borne by the Borrower.
9 Where the collateral is destroyed or damaged, borrower shall immediately
notify the Bank thereof and shall not comprise any claim without the consent
of the Bank and shall allow the Bank to take over the conduct of any
negotiation and shall at borrower's own expense take such proceedings as
the Bank shall direct, holding all sums recovered on trust for the Bank.
10 This agreement is personal to borrower, and borrower's rights and/or
obligations shall not be assignable or chargeable by borrower directly or
indirectly.
11 The borrower hereby indemnifies and holds harmless to the Bank against any
loss or damage due to borrower's noncompliance with any of the terms and
conditions of this agreement.
12 Not utilize the facility hereby agreed to be granted or any portion thereof for
any purpose other than for the purposes as outlined against individual
facilities above.
13 The borrower hereby confirms that this agreement has been read or
explained in borrower's own language and have fully understood and
executed this Agreement of borrower's own free will and consent.

14 SPECIAL COVENANTS:
The Borrower shall further covenant with the Bank that:
a. All expenditures, which are incident to the availing of the facility(ies), shall be
paid by the Borrower.
b. The borrower shall at all times be in compliance with all the prevalent laws
and regulations including Central Bank regulations/directives/circulars as
may be amended from time to time.
c. Notwithstanding above, the sanctioned loan will continue to remain active at

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 267

 least for a period of one year from the date of sanction even if the
outstanding under the sanctioned loan is fully prepaid/repaid by the Borrower
and during that period, the Bank will not be obliged to release the collateral
security held by it, irrespective of the fact that there is no outstanding in the
Borrower's loan account and the borrower himself/herself desires to get the
collateral security released.
d. In the event there is prevalence of any of the situations under the NRB
Directives in respect of blacklisting of the Borrower, Guarantor(s) and any
other associated party, the Bank may take necessary steps for blacklisting of
all the concern.
15 EVENTS OF DEFAULT:
In case of the happening of any of the following events (hereinafter called
“Events of Default”) namely:
a. Any statement, representation or warranty made in this agreement or any
correspondence or application for the loan, or on any financial statements,
projections or data furnished by the Borrower in connection with its
application for the loan, proving to be untrue, false or misleading in any
material respect.
b. If the Borrower shall default in the observance and performance of any
covenants and/or conditions on the Borrower’s part to be observed or
performed as contained in this letter, or in any documents creating charges
to secure repayment of the loan amount and interest, costs, charges and
expenses thereon or relating thereto.
c. If the Borrower shall default in the payment of any installments of principal
and interest as and when the same shall become due and payable or as
subsequently altered or amended by the Bank or in providing a sufficient
credit balance in the Borrower’s current account to meet the debit for such
installments of principal and/or interest.
d. If distress or execution is levied or issued by an order of any legal authority
against any part of borrower's property.
e. If the Borrower shall take or permit to be taken any proceedings whereby the
asset(s)/property(ies) hereby agreed to be charged or any part thereof shall
or may be assigned to a receiver/liquidator or if a receiver/liquidator shall be
appointed by the Borrower or by any legal authority.
f. If an extra-ordinary situation shall arise which in the opinion of the Bank, shall
make it improbable that the Borrower will be able to perform its obligations
under this agreement and in this respect the opinion of the Bank shall be
conclusive, final and binding on the Borrower.
g. In the event of Borrower's having availed other credit facilities and/or loans,
besides the one specified under this Credit Facility Offer Letter and the
default is committed by Borrower in respect of such other credit facilities
and/or the loans, the same shall be construed as a default on the credit
facilities and/or loans availed under this Credit Facility Offer Letter and in
which instance the Bank will be fully entitled to recall and declare the credit
facilities and/or loans availed under this Credit Facility Offer Letter due and
payable immediately.
268 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ cg';"rL !#=!
16 CONDITIONS PRECEDENT:
Please confirm the arrangement by returning the duplicate of this letter duly
signed by you and the said guarantor(s) in token of agreement to the terms
and conditions. This facility offer remains valid for acceptance for a period of
35 days from the date hereof.

Yours sincerely,
for and on behalf of
Agricultural Development Bank Limited

(Name) (Name)
Credit Section Branch Manager

I/We confirm the above arrangement of the Bank sent to us vide above
mentioned letter dated.............. I/we agree to the terms and conditions set
aforesaid and knowledge a copy thereof. I/We will execute all the security
documents with in the period as mentioned otherwise I/we will not avail the credit
facilities.

................................. ..................................
Mr./Mrs. …………………. Mr./Mrs. ……………….….
(Borrower/Guarantor) Guarantor)
Date: Date: ..................................

Mr./Mrs.
……………….….
(Guarantor)
Date:] 381

381
;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 269

 cg';"rL !$=!
s[lif ljsf; a}+s ln= kmf]g g+=M ===========
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ ˆofS; g+=M =========
====================sfof{no======================
-shf{ sfo{ljlw @)&# sf] bkmf @* ;Fu ;DalGwt_
k=;+= M
r=g+= M ldltM==========================

>L dfnkf]t sfof{no

=============================
dfkm{t\ shf{ cfj]bs >L==================

ljifoM 3/ hUuf /f]Ssf u/L hfgsf/L k7fpg] ;DaGwdf .

dxf]bo,
lhNnf================uf=kf=÷g=kf=====================j8f g+===== ufFp÷6f]n=======================a:g]
>L÷>LdtL ==========================nfO{ lghn] lbPsf] lwtf]sf] l;kmfl/z Pj+ /f]Ssfsf] hfgsf/L k|fKt ePdf shf{÷;'ljwf
pknAw u/fpg] u/L o; a}+saf6====================================sfo{sf] nflu ?===================================.–
-cIf]?kL===============================_ sf] shf{÷;'ljwf :jLs[t ePsf]n] lghn] lwtf] lbg d~h"/ u/]sf] tklzn jf
;+nUg ljj/0f jdf]lhd lghsf] gfddf /x]sf] jf >L========================sf] d~h"/Lgfdf adf]lhd >L====================
================sf] gfddf /x]sf] 3/hUuf wgLs} xsef]u /xL df]xLofgL xs eP÷gePsf] / s;}sf] em}+emu8f eP÷gePsf]
hfgsf/L k7fO{ lbg'x'g cg'/f]w u/]sf 5f}+ . olb o; 3/÷hUuf lwtf]aGws jf /f]Ssf geO{ o; a}+sn] lwtf]aGws lng
ldNg] ePdf o; a}+sn] km's'jf ug]{ af/]sf] ;"rgf To; sfof{nonfO{ k|fKt geP;Dd pQm ljj/0fdf pNn]lvt lwtf]
s;}nfO{ a]rlavg ug{, lwtf] aGws /fVg jf s;}sf] gfddf gfd;f/L ;d]t ug{ gkfpg] nfnk"hf{ cflb hUufsf]
:jfldTjsf sfuhftsf gSsn k|ltlnkL ;d]t pknAw u/fpg /f]Ssf ul/ lbO{ ;f]sf] hfgsf/L ;d]t oyflz3| kfpg
cg'/f]w ub{5f}+ . tklzn
!= hUufsf] ljj/0fM
qm= lwtf] /fv]sf] hUufsf] ljj/0f rf}xbL
hUufwgLsf] gfd
;++= lhNnf uf=kf=÷g=kf= j8f g+= ls=g++ If]qkmn k"j{ klZrd pQ/ blIf0f

@= 3/sf] ljj/0fM
lhNnf================ uf=kf=÷g=kf= ==================== j8f g+= ==== ls=g+ ===============lj3f÷/f]kgL÷ju{ld6/
===========================hUufdf ag]sf] ============== df]x8f ========= tnf ======== nDjfO{======
rf}8fO{============prfO{ ========5fgf ePsf] kSsL÷sRrL 3/ ;d]t .

af]wfy{M ejbLo,
>L ================================
-k|aGws÷shf{ kmfF6 k|d'v_

270 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL !$=@
s[lif ljsf; a}+s ln= kmf]g g+=M ===========
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ ˆofS; g+=M =========
====================sfof{no,===============================
-lwtf] b[li6aGws lnvt kf; ug{ k7fpg] kqsf] gd'gf_
-shf{ sfo{ljlw @)&# sf] bkmf @* ;Fu ;DalGwt_

r=g+=M ldltM ===============

k=;+=M

>L dfnkf]t sfof{no

========================== .

ljifoM lwtf] b[li6aGws lnvt kf; u/L ;f]sf] hfgsf/L ;d]t u/fO{ lbg'x'g .

dxf]bo,
pk/f]Qm ;DaGwdf o; sfof{nodf shf{ tyf a}+lsË ;'ljwf sf/f]jf/sf] nflu >L ===========================
====n]] lbg'ePsf] tklzn adf]lhdsf] 3/÷hUufsf] o; a}+saf6 d"Nof+sg u/L sfod ul/Psf] d"Nof+sg /sd
?===========÷-cIf]?kL =============================_ sf] lwtf] b[li6aGwssf] nflu /lhi6«]zg lnvt kf; u/L
tklznsf] lwtf] /f]Ssf hgfpg' eO{ /f]Ssfsf] hfgsf/L lbg'xg' cg'/f]w ub{5f}+ . pk/f]Qm sfo{sf] nflu o; sfof{nosf]
tk{maf6 lgDg b:tvt gd"gf ePsf sd{rf/L >L ======================== nfO{ k7fPsf 5f}+ .
tklzn
shf{sf] p2]ZoM shf{sf] cjlwM
!= hUufsf] ljj/0fM
qm= lwtf] /fv]sf] hUufsf] ljj/0f rf}xbL
hUufwgLsf] gfd
;++= lhNnf uf=kf=÷g=kf= j8f g+= ls=g++ If]qkmn k"j{ klZrd pQ/ blIf0f

@= 3/sf] ljj/0fM
nDafO{M ==============lkm6, rf}8fO{M =================lkm6, prfO{M =====================lkm6
hUufwgLsf] gful/stf gDj/M================, hf/L ldltM ======================, lhNnfM=====================
afa'÷kltsf] gfdM ===============================, afh]÷;;'/fsf] gfdM ==========================================
sd{rf/Lsf] b:tvtsf] gd'gf

af]wfy{M ejbLo,
s[lif ljsf; a}+s ln=
==========================M k|ltlgwL k7fO{ lbg'x'g . =========================
k|aGws÷shf{ kmfF6 k|d'v

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 271

 cg';"rL !%
s[lif ljsf; a}+s ln= kmf]g g+=M ===========
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ ˆofS; g+=M =========
====================sfof{no======================
-shf{ sfo{ljlw @)&# sf] bkmf @* ;Fu ;DalGwt_
k=;+= M
r=g+= M
ldltM==========================

>L =========================
=============================

ljifoM /f]Ssf u/L hfgsf/L k7fpg] ;DaGwdf .

dxf]bo,
lhNnf================uf=kf=÷g=kf=====================j8f g+===== ufFp÷6f]n=======================a:g]
>L÷>LdtL ==========================sf] gfddf /x]sf] tklzn cg';f/sf] sfuhft k|Tofe'ltx?sf] cfwf/df o;
a}+saf6 lgh u|fxsnfO{ shf{÷;'ljwf pknAw u/fOg] ePsf]n] txfFnfO{ o; a}+ssf] csf]{ kq k|fKt gx'Fbf;Dd /f]Ssf
/fvL lbg'x'g÷e'QmfgL cjlw ;dfKt ePkl5 ;f]sf] e'QmfgL o; a}+snfO{ lbg] Joj:yf ldnfO{ lbg'x'g ;d]t cg'/f]w
5.

tklzn

qm= ;'/If0fkq afxssf] ;'/If0fkqsf] ljj/0f

;++= gfd k|s[lt gDa/ clGtd e'QmfgL cjlw /sd s}lkmot

af]wfy{M ejbLo,
>L ================================
-k|aGws÷shf{ kmfF6 k|d'v_

272 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 ============sfof{no===================== cg';"rL !^
-shf{ sfo{ljlw @)&# sf] bkmf @* ;Fu ;DalGwt_ kmf]g g+= ==========
r=g+=M ˆofS; g+===========
ldlt M===========
>L =====================ln= ==============,
===============.

ljifoM z]o/ /f]Ssf u/L ;f]sf] hfgsf/L lbg] af/] .

dxf]bo,
k|:t't ljifodf========== lhNnf ===========uf=lj=;=÷g=kf j8f g+= ======= 3/ eO{ xfn ========== lhNnf ==========
j8f g+= ============ ============ a:g] >L ===================== -Client ID gDa/ =================_ sf] gfpFdf o; a}saf6
:jLs[t z]o/ lwtf] shf{ -Margin Lending) /sd ?= ================÷–-cIf]?kL ======================== dfq_ shf{sf]
;'/If0fsf] nflu lghn] lwtf]:j?k k|bfg ug'{ ePsf] b]xfosf sDkgLx¿sf] b]xfo adf]lhdsf] l8Dof6 (DMAT)
ul/Psf z]o/x¿ / ;f]af6 k|fKt x'g;Sg] af]g; z]o/, xsk|b z]o/, cu|flwsf/ z]o/ tyf nfef+; cflb ;d]t
;Dk"0f{?kdf To; sDkgLsf] z]o/wgL btf{ lstfadf o; a}+ssf] gfddf /f]Ssf hgfO{ ;f]sf] hfgsf/L o; a}+snfO{
lbg'x'g cg'/f]w ub{5f} . pQm k|of]hgsf] nflu o;} a}+ssf] DP ID gDa/ ………………/ Client ID gDa/
…………………. /x]sf] Joxf]/f ;d]t hfgsf/L u/fpb5f} .
qm=;+= z]o/wgLsf] gfd sDkgLsf] gfd z]o/sf] /f]Ssf ;do cjlw z]o/ ;+Vof
lsl;d
!= >L ========= (Client =================== ;fwf/0f /f]Ssf ldltn] Ps jif{ jf ==== lsQf
ID gDj/ ……) == o; a}+ssf] lgb]{zg
adf]lhd
@= >L ========= (Client =================== ;fwf/0f =========== lsQf
ID gDj/ ……) ===
hDDff z]o/ ;+Vof ===== lsQf
af]wfy{M >L ================= =============ln=
/f]Ssf kmfF6M pNn]lvt Joxf]/f cWoog u/L /f]Ssf hgfO{ ;f]sf] hfgsf/L xfdLnfO{ lbg'x'g cg'/f]w 5 .
ejbLo,

-==================_
cflwsfl/s b:tvt
] 382

382
k|d'v sfo{sf/L clws[tsf] ldlt @)&%.!@.@$ sf]] lg0f{o adf]lhd ;fljs b]xfosf] cg';"rL !^ nfO{ o; cg';"rL !^ n] k|ltZyfkg u/]sf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 273

 cg';"rL !^
s[lif ljsf; a}+s ln= kmf]g g+=M ===========
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ ˆofS; g+=M =========
============sfof{no======================
-shf{ sfo{ljlw @)&# sf] bkmf @* ;Fu ;DalGwt_
r=g+=M ldltM ==============

>L =====================
==============, ===============.

ljifoM z]o/ /f]Ssf u/L ;f]sf] hfgsf/L lbg] af/] .

dxf]bo,
k|:t't ljifodf========== lhNnf ===========uf=kf=÷g=kf j8f g+= ======= 3/ eO{ xfn ========== lhNnf ==========
j8f g+= ============ ============ a:g] >L ===================== -gDa/ =================_ sf] gfpFdf o;
a}+saf6 :jLs[t z]o/ lwtf] shf{ -/sd ?= ================÷–-cIf]?kL ======================== dfq_ shf{sf] ;'/If0fsf]
nflu lghn] lwtf]:j?k k|bfg ug'{ ePsf] b]xfosf sDkgLx¿sf] b]xfo adf]lhdsf] l8Dof6 ul/Psf z]o/x¿ /
;f]af6 k|fKt x'g;Sg] af]g; z]o/, xsk|b z]o/, cu|flwsf/ z]o/ tyf nfef+; cflb
;d]t ;Dk"0f{?kdf To; sDkgLsf] z]o/wgL btf{ lstfadf o; a}+ssf] gfddf /f]Ssf hgfO{ ;f]sf] hfgsf/L o;
a}+snfO{ lbg'x'g cg'/f]w ub{5f} . pQm k|of]hgsf] nflu o;} a}+ssf] gDa/ / gDa/
/x]sf] Joxf]/f ;d]t hfgsf/L u/fpb5f} .

z]o/sf] /f]Ssf ;do

qm=;+= z]o/wgLsf] gfd sDkgLsf] gfd z]o/ ;+Vof
lsl;d cjlw
!= >L ========= ===================== ;fwf/0f /f]Ssf ldltn] ==== lsQf
gDj/ Ps jif{ jf
@= >L ========= ====================== ;fwf/0f o; a}+ssf] === lsQf
gDj/ lgb]{zg
adf]lhd
hDdf z]o/ ;+Vof ===== lsQf

af]wfy{M
>L ================= =============ln=
/f]Ssf kmfF6M pNn]lvt Joxf]/f cWoog u/L /f]Ssf hgfO{ ;f]sf] hfgsf/L o; a}+snfO{ lbg'x'g cg'/f]w 5 .

ejbLo,
-==================_
cflwsfl/s b:tvt] 383

383
k|d'v sfo{sf/L clws[tsf] ldlt @)&%.!@.@$ sf]] lg0f{o adf]lhd ;fljs o; cg';"rL !^ nfO{ o; cl3sf] cg';"rL !^ n] k|ltZyfkg u/]sf]

274 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 [cg';'rL !& shf{ e'QmfgL :jLs[lt kmf/fd÷cfGtl/s kq]384

384 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd vf/]h ul/Psf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 275

 cg';"rL !*=!
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

=================sfof{no,===============
shf{sf] ls:tf dfu ug]{ lgj]bg kmf/fd
-shf{ sfo{ljlw @)&# sf] bkmf @( ;Fu ;DalGwt_
ldltM=================
>L k|aGws Ho",
s[lif ljsf; a}+s ln=
=======sfof{no==========
ljifoM shf{÷ls:tf ?===================================kfpF eGg] af/]df .
dxf]bo,
d]/f]÷xfd|f] gfddf o; a}+sdf ldlt========================df============================p2]Zodf :jLs[t ePsf]
shf{ ?==========================df d}n]÷xfdLn] pkef]u ul/;s]sf] /sd ?===========================/x]sf]df
afFsL /x]sf] /sd dWo]af6 xfn dnfO{÷xfdLnfO{ yk ?=================== ===-cIf]?kL ===========================
========================_ cfjZos ePsf]n] d]/f]÷xfd|f] gfddf shf{ hgfO{ o; a}+sdf /x]sf] d]/f]÷xfd|f] vftf g+==
===========================df hDdf u/fO{ lbg' x'g cg'/f]w 5 .
==============================
ejbLo,
clVtof/k|fKt JolQmsf]
u|fxssf] gfd 5fk ;Dks{ g+= ldl;n g+=
gfd b:tvt

shf{ kmfF6af6M
shf{sf] clGtd e'QmfgL ldlt===========================;Dd /x]sf] :jLs[t shf{ ?===========================
dWo] nufgLdf /lx/x]sf] shf{ /sd ?======================pkef]u ePsf]n] afFsL :jLs[t shf{ ;LdfdWo]af6
?=========================pknAw u/fpg ;Sg] b]lvG5 . ldlt==============================df kl/of]hgf lg/LIf0f
ubf{ -;b'kof]lutf lg/LIf0f ug'{kg{] shf{sf] xsdf_ xfn;Dd k|jfx ePsf] shf{ ;b'kof]u ePsf] / shf{sf] Jofh
lgoldt÷;]jf z'Ns r"Qmf ePsf] b]lvG5 . ;fv ;"rgf z'NsM
;]jf z'NsM
================================================================= d"Nof+sg z'NsM
l;kmfl/z ug{]sf] gfd, kb, sf]8 g+, b:tvt / ldlt vftfdf sfod ug{'kg]{ /sdM
shf{sf] lnld6M
shf{sf] ls:tf /sdM
=================================================================
:jLs[t ug{]sf] gfd, kb, sf]8 g+, b:tvt / ldlt sDKo'6/df clen]v /fVg] sd{rf/Lsf]
gfdM
b:tvtM
kb÷sf]8 g+=
ldlt=======================

276 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL !*=@
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

=============================sfof{no============================
-shf{ sfo{ljlw @)&# sf] bkmf ^! ;Fu ;DalGwt_
q}dfl;s kl/of]hgf tyf shf{ ;b'kof]lutf
lg/LIf0f tyf lg0f{osf] kmf/fd

!= kl/of]hgf ;DaGwL ljj/0fM

s_ shf{ u|fxssf] gfdM ===========================================ldl;n g+========
v_ shf{ u|fxssf] 7]ufgfM lhNnfM================= uf=kf=÷g=kf=÷j8f g+= ===================
6f]nM =========================== lhNnfM===================================
u_ kl/of]hgf:ynsf] 7]ufgfM ====================================
3_ k|f]k|fO{6/÷;fem]bf/÷;+rfnssf] gfdy/M ====================================
ª_ kl/of]hgfsf] k|s[ltM !_ pTkfbgd'ns @_ ;]jfd'ns #_ Jofkf/ $_ cGo
r_ sf/f]jf/ x'g] j:t'÷;]jfsf] ljj/0fM =====================================
5_ shf{sf] p2]Zo M =================== h_ shf{sf] cjlw M============================
em_ :jLs[t shf{ /sdM
!_ :yfoLtkm{M ?============ === @_ rfn'tkm{M================#_s'nhDdf?=========================
`_ xfn;Ddsf] n=/=/=/sd ?===============================

@= shf{ nufgL k"j{sf] kl/of]hgfsf] cj:yfM

1. ef}lts ;+/rgfsf] -3/÷sf/vfgf÷uf]bfd lgdf{0f_ sf] cj:yf ========================================
2. ldn d]lzg/Lsf] cj:yfM =======================================================
3. cGo -;jf/L ;fwg÷kmlg{r/÷h]g]/]6/÷df]6/ cflb_ ===============================
4. dfn;fdfg÷:6ssf] ljj/0fM kl/df0fM =========== b/M ==================hDdfM ?================
5. kfpg'kg]{ lx;fasf] ljj/0fM ?===================================================
6. ltg{k
' g]{ lx;fasf] ljj/0fM ?=================================================

#= shf{ nufgL kZrft\sf] kl/of]hgfsf] cj:yfM

qm= lgdf{0f÷h8fgsf] lgdf{0f÷vl/b
ljj/0f kl/df0f b/ hDdf
;+= cj:yf ul/Psf ;fdfu|Lx?
! ef}lts ;+/rgf -3/÷sf/vfgf !===================
÷uf]bfd lgdf{0f_ sf] cj:yf @===================
#===================
@ ldn d]lzg/Lsf] cj:yf !===================
@===================

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 277

 cg';"rL !*=@
# cGo -;jf/L ;fwg÷kmlg{r/÷ !================
h]g]/]6/÷df]6/ cflb_ @================
$= s[lif kl/of]hgf ;DaGwL !================
@================
s'n hDdf

$= kl/of]hgf:yndf /x]sf dfn;fdfg÷:6ssf] ljj/0fM -cg'dflgt kl/df0f / d"No_[

ljj/0f c;n Dofb gf3]sf] Obsolete s'n
sRrf kbfy{
cw{k|zf]lwt sRrf kbfy{
tof/L ;fdfg
hDdf
() lbgsf] !*) lbgsf] !*) eGbf a9L s'n
kfpg' kg]{
ltg'{ kg]{
Net Trading Asset
-/fd|f] :6s ± () lbgsf] kfpg' kg]{ – s'n ltg'{ kg]{_
Drawing power (Net Trading Asset * …%)
o; a}+ssf] rfn' k'FhL shf{ afFsL
cGo a}+ssf] rfn' k'FhL shf{ afFsL
s'n shf{
] 385
-gf]6M :6s -df}Hbft_, kfpg'kg]{ lx;fa, ltg'{kg]{ lx;fasf] ljj/0f u|fxsaf6 k|dfl0ft u/fO{ lng' kg]{5 ._

%= kl/of]hgfsf] k|fljlws, cfly{s, ef}lts tyf ljQLo kIfx?sf] jt{dfg cj:yfM ==============================
===============================================================================================================
==============================================================================================================
^= lwtf]sf] jt{dfg cj:yfM==================================================================================
&= kl/of]hgf ;DaGwL u|fxssf] egfO{M ======================================================================
*= u|fxssf] b:tvt / ldltM=============================================

(= lg/LIfsx?sf] /foM
ldlt==============df pk/f]Qm adf]lhdsf] lwtf]÷kl/of]hgf lg/LIf0f ubf{ lwtf] ;'/lIft tyf kl/of]hgf Jojl:yt
385 ;~rfns ;ldltsf] ldlt @)&&.!@.@% sf] lg0f{o adf]lhd b]xfo adf]lhd Joj:yf k|ltZyflkt ul/Psf]
qm=;+= ljj/0f O{sfO{ kl/df0f b/ ?= /sd ?=
!= sRrf kbfy{
@= cw{k|zf]lwt sRrf kbfy{
#= tof/L ;fdfg
$ kfpg'kg]{ lx;fasf] ljj/0f
% ltg'{kg]{ lx;fasf] ljj/0f
s'n hDdf -!±@±#±$–%_

278 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 ?kdf ;+rfng ePsf]n] shf{ nufgL ;'/lIft b]lvG5÷shf{sf] ls:tf k|bfg ug{ pko'Qm b]lvG5 . shf{
;b'kof]lutf lg/LIf0f ug]{ sd{rf/Lsf]
gfd ===================================kb========================sf]8 g+=================b:tvtM============
gfd ===================================kb========================sf]8 g+================ b:tvtM============
lwtf]÷kl/of]hgf:yndf uO{ lg/LIf0f u/]sf] ldltM==================k|ltj]bg k]z u/]sf] ldltM====================
!)= kl/of]hgf ;DaGwL k|aGwssf]] lg0f{oM
shf{ :jLst ubf{ tf]lsPsf zt{x?sf] kfngf ePsf], lg/LIfsx?sf] /fo cg';f/ kl/of]hgf lgoldt
;'rf? /x]sf], u|fxsn] k]z u/]sf] Joj;flos sfo{ of]hgfcg';f/ kl/of]hgf ;+rfngdf /xL/x]sf]n]
shf{sf] ls:tf /sd k|bfg ug{ :jLs[t ub{5' .
k|aGwssf]] gfd, sf]8 g+, b:tvt / ldltM =============================================

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 279

 cg';"rL !*=#
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

============================sfof{no============================
-shf{ sfo{ljlw @)&# sf] bkmf ^$ ;Fu ;DalGwt_
jflif{s kl/of]hgf tyf shf{ ;b'kof]lutf
lg/LIf0f tyf lg0f{osf] kmf/fd

!= kl/of]hgf ;DaGwL ljj/0fM

s_ shf{ u|fxssf] gfdM ===========================================ldl;n g+========
v_ shf{ u|fxssf] 7]ufgfM lhNnfM================= uf=kf=÷g=kf=÷j8f g+= ===================
6f]nM ================== lhNnfM==========================
u_ kl/of]hgf:ynsf] 7]ufgfM ====================================
3_ k|f]k|fO6/÷;fem]bf/÷;+rfnssf] gfdy/M ====================================
ª_ kl/of]hgfsf] k|s[ltM !_ pTkfbgd'ns @_ ;]jfd'ns #_ Jofkf/ $_ cGo
r_ sf/f]jf/ x'g] j:t'÷;]jfsf] ljj/0fM =====================================
5_ shf{sf] p2]Zo M =================== h_ shf{sf] cjlw M============================
em_ :jLs[t shf{ /sdM
!_ :yfoLtkm{M ?================ @_ rfn'tkm{M ==================#_ s'n hDdf ?========================
`_ xfn;Ddsf] n=/=/=/sd ?===============================

@= kl/of]hgfsf] cj:yfM
1. ef}lts ;+/rgfsf] -3/÷sf/vfgf÷uf]bfd lgdf{0f_ sf] cj:yf ========================================
2. ldn d]lzg/Lsf] cj:yfM =======================================================
3. cGo -;jf/L ;fwg÷kmlg{r/÷h]g]/]6/÷df]6/ cflb_ ===============================

#= :6s -df}Hbft_, kfpg'kg]{ lx;fj, ltg'{kg]{ lx;fasf] ljj/0fM

qm=;+= ljj/0f /sd ?=
! :6s÷df}Hbft
@ kfpg'kg]{ lx;fa
# ltg'{kg]{ lx;fa
v'b rfn' k'FhL -!±@–#_

-gf]6M :6s -df}Hbft_, kfpg'kg]{ lx;fj, ltg'{kg]{ lx;fasf] ljj/0f u|fxsaf6 k|dfl0ft u/fO{ lng' kg]{5 ._

280 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL !*=#
$= cGo ljj/0fx?M
ljj/0f /x]sf]÷ePsf] g/x]sf]÷gePsf]
u|fxsn] k]z u/]sf] Joj;flos sfo{ of]hgf cg';f/ kl/of]hgf ;+rfngdf
kl/of]hgfnfO{ cfjZoskg]{ :6s÷df}Hbft
k|jflxt shf{ /sd ;b'kof]u
shf{ :jLs[t ubf{ tf]lsPsf ;Dk"0f{ zt{÷kl/zt{x?sf] kfngf
shf{sf] lwtf] ;'/If0f kof{Kt
shf{ gjLs/0fsf] nflu cfjZos sfuhftx?
Jofh / ;fFjfsf] ls:tf lgoldt

%= kl/of]hgfsf] k|fljlws, cfly{s, ef}lts tyf ljQLo kIfx?sf] jt{dfg cj:yfM =============================
==============================================================================================================
==============================================================================================================
^= lwtf]sf] jt{dfg cj:yfM==================================================================================
&= kl/of]hgf ;DaGwL u|fxssf] egfO{M ======================================================================
*= u|fxssf] b:tvt / ldltM=============================================

(= lg/LIfsx?sf] /foM
ldlt==============df pk/f]Qm adf]lhdsf] lwtf]÷kl/of]hgf lg/LIf0f ubf{ lwtf] ;'/lIft tyf kl/of]hgf Jojl:yt
?kdf ;+rfng ePsf]n] shf{ nufgL ;'/lIft b]lvG5÷shf{ gjLs/0f ug{ pko'Qm b]lvG5 .
shf{ ;b'kof]lutf lg/LIf0f ug]{ sd{rf/Lsf]
gfd===================================kb=========================sf]8g+=================b:tvtM============
gfd ===================================kb=========================sf]8 g+================ b:tvtM============
lwtf]÷kl/of]hgf:yndf uO{ lg/LIf0f u/]sf] ldltM==================k|ltj]bg k]z u/]sf] ldltM====================

!)= kl/of]hgf ;DaGwL k|aGwssf]] lg0f{oM

shf{ :jLst ubf{ tf]lsPsf zt{x?sf] kfngf ePsf], lg/LIfsx?sf] /fo cg';f/ kl/of]hgf lgoldt ;'rf?
/x]sf], u|fxsn] k]z u/]sf] Joj;flos sfo{ of]hgfcg';f/ kl/of]hgf ;+rfngdf /xL/x]sf]n] shf{ gjLs/0f ug{
:jLs[t k|bfg ub{5' .

k|aGwssf]] gfd, sf]8 g+, b:tvt / ldltM =============================================

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 281

 cg';"rL !*=$
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

============================sfof{no============================
-shf{ sfo{ljlw @)&# sf] bkmf ^% ;Fu ;DalGwt_
shf{ ;'kl/j]If0f e|d0f k|ltj]bg

;'kl/j]If0f ug]{ sfof{no

;'kl/j]If0f ug]{ sd{rf/Lsf] gfd, kb / sf]8 g+=
;'kl/j]If0f u/]sf] ldlt

o; cl3 ;b'kof]lutf lg/LIf0f ePsf] ldlt / ;+nUg sd{rf/LM

!= kl/of]hgf ;DaGwL ljj/0fM

s_ shf{ u|fxssf] gfdM =========================================== ldl;n g+========
v_ shf{ u|fxssf] 7]ufgfM lhNnfM================= uf=kf=÷g=kf=÷j8f g+= ===============
6f]nM ====================== lhNnfM=========================
u_ kl/of]hgf:ynsf] 7]ufgfM ====================================
3_ k|f]k|fO6/÷;fem]bf/÷;+rfnssf] gfdy/M ====================================
ª_ kl/of]hgfsf] k|s[ltM !_ pTkfbgd'ns @_ ;]jfd'ns #_ Jofkf/ $_ cGo
r_ sf/f]jf/ x'g] j:t'÷;]jfsf] ljj/0fM =====================================
5_ shf{sf] p2]Zo M =================== h_ shf{sf] cjlw M============================
em_ :jLs[t shf{ /sdM
!_ :yfoLtkm{M ?============ === @_ rfn'tkm{M ============== #_ s'n hDdf ?==========================
`_ xfn;Ddsf] n=/=/=/sd ?===============================
@= kl/of]hgfsf] cj:yfM
1. ef}lts ;+/rgfsf] -3/÷sf/vfgf÷uf]bfd lgdf{0f_ sf] cj:yf ========================================
2. ldn d]lzg/Lsf] cj:yfM =======================================================
3. cGo -;jf/L ;fwg÷kmlg{r/÷h]g]/]6/÷df]6/ cflb_ ===============================

#= :6s -df}Hbft_, kfpg'kg]{ lx;fj, ltg'{kg]{ lx;fasf] ljj/0fM

qm=;+= ljj/0f /sd ?=
! :6s÷df}Hbft
@ kfpg'kg]{ lx;fa
# ltg'{kg]{ lx;fa
v'b rfn' k'FhL -!±@–#_

282 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL !*=$
$= shf{sf] cj:yfM

shf{ :jLs[t ;Ldf ?= shf{sf] cj:yf

xfn n=/=/=df /x]sf] /sd ?= kfpg'kg]{ Jofhsf] cj:yf
cf}ift shf{ ;Ldf pkof]u /sd ?= cf}ift shf{ ;Ldf pkof]u
gePsf] /sd ?=

%= kl/of]hgfsf] k|fljlws, cfly{s, ef}lts tyf ljQLo kIfx?sf] jt{dfg cj:yfM ===========================
==============================================================================================================
=============================================================================================================

^= lwtf]sf] jt{dfg cj:yfM==================================================================================

lwtf]sf] k|s[lt
lwtf]sf] ef}lts cj:yf
lwtf]sf] d"Nof+sg /sd 3/÷ejgsf] ?==========================
hUufsf] ?==========================
hDdf ?==========================
dflh{g s§Lkl5sf] d"Nof+sg /sd ?==============================================

&= cGo ljj/0fx?M

ljj/0f /x]sf]÷ePsf] g/x]sf]÷gePsf]
u|fxsn] k]z u/]sf] Joj;flos sfo{ of]hgf cg';f/ kl/of]hgf ;+rfngdf
kl/of]hgfnfO{ cfjZoskg]{ :6s÷df}Hbft
k|jflxt shf{ /sd ;b'kof]u

shf{ :jLs[t ubf{ tf]lsPsf ;Dk"0f{ zt{÷kl/zt{x?sf] kfngf

shf{sf] lwtf] ;'/If0f kof{Kt

shf{sf nflu cfjZos sfuhftx?

Jofh / ;fFjfsf] ls:tf lgoldt

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 283

 cg';"rL !*=$
*= kl/of]hgf÷a}+sk|lt u|fxssf] egfO{M ======================================================================

(= u|fxssf] b:tvt / ldltM=============================================

!)=;'kl/j]If0f ug]{ sd{rf/Lx?sf] /foM ==============================================================================================

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

shf{ ;'kl/j]If0f ug]{ sd{rf/Lsf]

gfd ===================================kb============================sf]8 g+=================b:tvtM============
gfd ===================================kb============================sf]8 g+================ b:tvtM============
lwtf]÷kl/of]hgf:yndf uO{ ;'kl/j]If0f u/]sf] ldltM==================k|ltj]bg k]z u/]sf] ldltM====================

284 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL !*=%
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

-shf{ sfo{ljlw, @)&# sf] bkmf ^$ ;Fu ;DalGwt_

sfof{no ;'kl/j]If0f÷lg/LIf0f e|d0f k|ltj]bg
;'kl/j]If0f÷lg/LIf0f ug]{ sfof{no

;'kl/j]If0f÷lg/LIf0f ug]{ sd{rf/Lsf] gfd, kb / sf]8 g+=

;'kl/j]If0f÷lg/LIf0f u/]sf] ldlt

o;cl3 shf{ ljefuaf6 ;'kl/j]If0f÷lg/LIf0f ePsf] ldlt /
;+nUg sd{rf/L

!= sfof{no ;DaGwL ljj/0fM

s_ sfof{nosf] gfd M =======================================sfof{nosf] :t/M=========================
v_ sfof{nosf] 7]ufgfM lhNnfM================= uf=kf=÷g=kf=÷j8f g+= ===================
u_ sfo{If]q /x]sf g=kf=÷uf=kf=M ====================================
3_ If]qut shf{sf] cj:yfM

shf{ shf{ n=/=/= pkof]u kfpg'kg]{

ef=gf=
If]q u|fxs shf{ ;+Vof :jLs[t /sd gePsf]shf{ afFsL Jofh
k|l tzt /sd ?=
;+Vof ;Ldf ?= ?= ;Ldf ?= ?=
s[lif
pTkfbg pBf]u
lgdf{0f
yf]s tyf v'b|f
laqm]tf
;]jf pBf]u
pkef]Uo shf{
cGo
hDdf

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 285

 cg';"rL !*=%
@= ahf/sf] cj:yfM
-s_ k|lt:kwL{ a}+s tyf ljQLo ;+:yfx?sf] pkl:ytLM
jfl0fHo a}+ssf] ;+Vof
ljsf; a}+ssf] ;+Vof
ljQ sDkgLsf] ;+Vof
n3'ljQ a}+ssf] ;+Vof

-v_ If]qut shf{sf] ;DefjgfM c6f] shf{÷3/ shf{÷s[lif;Fu ;DalGwt shf{÷Jofkf/ k|s[ltsf
shf{÷pBf]u shf{÷cGo pkef]Uo shf{

#= sfof{nosf] cj:yfM
ljj/0f /x]sf]÷ePsf] g/x]sf]÷gePsf]
sfof{nosf] nIo cg';f/sf] k|ult
LPMC a}7saf6 sfof{nosf ;'rf+sx?sf] ljZn]if0f ug]{
ut cf=j=sf] c;f/ d;fGteGbf shf{ n=/=/=sf] j[l4
efvf gf3]sf] shf{ /sdsf] j[l4

cf=n]=k=, afXo n]vf k/LIfs tyf g]kfn /fi6« a}+sn] cf}+NofPsf]

q'l6x?sf] ;'wf/

kl/of]hgfd'ns shf{x?df :6ssf] ljj/0f lng] sfo{ tyf :6ssf] aLdf

shf{ sfo{ljlw, cGo sfo{ljlwx? / kl/kqx?sf] kfngf

cfjZstf cg';f/ shf{ c;"nLsf sfo{qmdx? ;~rfng

shf{ ;"rgfsf] ljj/0f -s=;"=kmf= g+=! / @_ cBfjlws

shf{ Joj:yfkg ;"rgf k|0ffnL cg';f/sf ljj/0f shf{ ljefudf k7fPsf]

286 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL !*=^
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

cg';"rL !*=%

$= kl/of]hgf lg/LIf0f cg'udgsf] cj:yfM

lg/LIf0f cg'udg ug]{ sfof{no lg/LIf0f cg'udg ePsf] kl/of]hgfsf] ;+Vof
shf{ ljefu, d'Vo sfof{no
If]qLo sfof{no
;DalGwt sfof{no q}dfl;s
cw{jflif{s
jflif{s

%= ;'kl/j]If0f÷lg/LIf0f ug]{ sd{rf/Lx?sf] /foM ================================================================================

==================================================================================================================================================
===
=================================
shf{ ;'kl/j]If0f÷lg/LIf0f ug]{ sd{rf/Lsf]
gfd ===================================kb============================sf]8
g+=================b:tvtM============ gfd
===================================kb============================sf]8 g+================
b:tvtM============
;'kl/j]If0f lg/LIf0f u/]sf] cjlwM=========== b]lv================ ;Dd k|ltj]bg k]z u/]sf] ldltM===================

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 287

 cg';"rL !*=^
s[lif ljsf; a}s
+ ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
============================sfof{no============================
[kl/of]hgf tyf lwtf] lg/LIf0f kmf/fd]386
-shf{ sfo{ljlwsf] bkmf $^ -@_ ;Fu ;DalGwt_
!= kl/of]hgf ;DaGwL ljj/0fM
u|fxs -kmd{÷sDkgL÷;+:yf_ sf] gfd ldl;n g+=
u|fxssf] 7]ufgf
kl/of]hgf:ynsf] 7]ufgf
;Dks{ g+= / Od]n 7]ufgf
k|f]k|fO6/÷;fem]bf/÷;+rfnssf] gfdy/
7]ufgf
clVtof/k|fKt JolQmsf] gfdy/ / 7]ufgf
btf{ g+= / btf{ ePsf] lgsfo
PAN VAT g+
kl/of]hgfsf] k|s[lt pTkfbgd'ns ;]jfd'ns Jofkf/ cGo
sf/f]jf/ x'g] j:t'÷;]jfsf] ljj/0fM
jflif{s cg'dflgt ut cf=j=sf] gfkmf ÷gf]S;fg ?=
sf/f]af/ /sd ?= -gofFsf] xsdf k|If]lkt_
shf{sf] p2]ZoM shf{sf] cjlw
:jLs[t shf{ /sd ?= shf{ dfu /sd ?=
afFsL shf{ /sd -Loan
Outstanding_ ?=
@= kl/of]hgfsf] cj:yfM
1. ef}lts ;+/rgf -3/÷sf/vfgf÷uf]bfd lgdf{0f_ sf] cj:yf ========================================

2. ldn d]lzg/Lsf] cj:yfM =======================================================

cGo -;jf/L ;fwg÷kmlg{r/÷h]g]/]6/÷df]6/ cflb_ ===============================

3.
#= kl/of]hgfdf x'g] cfDbfgL / vr{sf] ljj/0fM
qm=;+= laqmL x'g] j:t'sf] ljj/0f OsfO{ kl/df0f b/ ?= /sd ?=
cfDbfgLsf zLif{sx?
!
@
#
vr{sf zLif{sx?
!
386;+rfns ;ldltsf] ldlt @)&%.)@.!# sf] a}7s g+= ^() sf] lg0f{o adf]lhd yk ePsf] cg';'rL ;~rfns ;ldltsf] @)&&.!@.@% sf] lg0f{o
adf]lhd k|ltZyflkt

288 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL !*=^
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

@
#

$= :6s -df}Hbft_÷kfpg'kg]{ lx;fj÷ltg'{kg]{ lx;fasf] ljj/0fM

qm=;+= ljj/0f /sd ?=
! :6s÷df}Hbft
@ kfpg'kg]{ lx;fa
# ltg'{kg]{ lx;fa
v'b rfn' k'FhL -!±@–#_

%=kl/of]hgfsf] cfly{s, ef}lts tyf ljQLo kIfx?sf] jt{dfg cj:yfM

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

^= lwtf]]sf] ljj/0fM

lwtf]sf] ljj/0f
lwtf]wgLsf]
qm=;+= lsQf
gfdy/ lhNnf uf=kf=÷g=kf= / j8f g+= If]qkmn 3/sf] ljj/0f
g+=

&= lwtf] ;DaGwL cGo ljj/0fM

ljj/0f
k|dfl0ft gSzfcg';f/ le8] gle8]sf]
a;f]af;of]Uo eP gePsf]
ljqmLof]Uo /x] g/x]sf]
ljjfb/lxt eP gePsf]
gbL÷vf]nfgfnfaf6 ;'/lIft eP gePsf]
klx/f]af6 ;'/lIft eP gePsf]
xfO{6]G;g nfOgleq kg]{ gkg]{
;fj{hlgs ;DklQleq kg]{ gkg]{
hUuf clwu|x0f x'g ;Sg] g;Sg]
a}+snfO{ :jLsf/of]Uo eP gePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 289

 cg';"rL !*=^
s[lif ljsf; a}s
+ ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

(= o; a}+s / cGo a}+s tyf ljQLo ;+:yf;Fu ePsf] shf{÷;'ljwf sf/f]jf/sf] cj:yfM
qm=;+= a}+s jf ljQLo ;+:yfsf] shf{÷;'ljwfsf] shf{÷;'ljwf shf{÷;'ljwf afFsL /sd ?=
gfd / 7]ufgf zLif{s :jLs[t /sd ?=

!)= lg/LIfsx?sf] /foM

=========================================================================================================================
================================================================================================================
pk/f]Qm adf]lhdsf] lwtf]÷kl/of]hgf lg/LIf0f ubf{ lwtf] ;'/lIft tyf kl/of]hgf Jojl:yt ?kdf ;+rfng ePsf]÷x'g
;Sg] ePsf]n] shf{ nufgL ug{÷shf{ gjLs/0f ug{÷yk shf{ k|jfx ug{ ;'/lIft b]lvG5 .

lg/LIf0f ug]{ sd{rf/Lx?sf] ljj/0fM

qm=;+= sd{rf/Lsf] gfd kb sf]8 g+= sfof{nosf] gfd b:tvt
!=

@=

#=

lwtf]÷kl/of]hgf:yndf uO{ lg/LIf0f u/]sf] ldltM ================== k|ltj]bg k]z u/]sf] ldltM ====================

290 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL !(
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
==================sfof{no====================
shf{ gjLs/0f ug{sf] nflu u|fxssf] lgj]bg
-shf{ sfo{ljlw @)&# sf] bkmf #* ;Fu ;DalGwt_

ldltM ============

>L k|aGwsHo",
s[lif ljsf; a}+s ln=
===========sfof{no=======

ljifoM shf{ gjLs/0f u/L kfpF eGg] af/] .

dxf]bo,

pk/f]Qm ;DaGwdf o; a}+saf6 ldlt ======================= df d]/f]÷xfd|f] gfddf nfO{g ckm qm]l86 gLlt cGtu{t
================ p2]Zodf ?= ===================.– shf{ /sd :jLs[t eO{ lgoldt?kdf sf/f]jf/ ub}{ cfPsf] /
============;Ddsf] ;Dk"0f{ Jofh ;d]t r'Qmf ul/;s]sf] 5'÷5f}+ . d]/f]÷xfd|f] gfddf :jLs[t shf{sf] e'QmfgL Dofb
ldlt======================== df ;dfKt x'g] ePtfklg kl/of]hgf lgoldt ?kdf ;+rfng eO{/fv]sf] / kl/of]hgf
;+rfngsf nflu rfn' k'FhLsf] cfjZostf kl//xg] ePsf]n] xfn pQm shf{ /sd r'Qmf ug{ c;dy{ ePsf]n]
d}n]÷xfdLn] shf{ lnbf a}+snfO{ lbPsf] lwtf], td;'s, d~h"/Lgfdf tyf shf{sf cGo zt{ ;'ljwfx? oyfjt sfod
/xg] u/L Ps aif{sf nflu shf{ gjLs/0f ul/ lbg'x'g cg'/f]w ub{5'÷5f}+ . shf{ gjLs/0fsf] nflu cfjZos kg]{
a}+sn] tf]s]sf sfuhftx?, :6s÷df}Hbftsf] ljj/0f, kfpg'kg]{ / lng'kg]{ lx;fasf] ljj/0f ;d]t o;};fy ;+nUg u/L
k]z u/]sf] 5'÷5f}+ . shf{ gjLs/0f z'Ns÷lwtf] aLdf z'Ns÷;fv ;"rgf z'Ns /sd d]/f]÷xfd|f] o; a}+sdf /x]sf]
vftf g+= =================== nfO{ 8]lj6 u/L lng'x'g ;d]t d]/f]÷xfd|f] d~h"/L /x]sf] 5 .

u|fxssf] 5fk÷b:tvtM ========================

u|fxssf] gfdM ===================
u|fxssf] 7]ufgfM===================
k|f]kfO{6/÷;+rfnssf] gfdM=======================
ldl;n÷u|fxs g+=M===================================
;Dks{ g+= =============================

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 291

 [cg';"rL @) shf{ gjLs/0f :jLs[lt lg0f{osf] kmf/fd] 387

387 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd vf/]h ul/Psf]

292 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @!
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

==============================sfof{no===========================
shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ug{sf] nflu u|fxssf] lgj]bg
-shf{ sfo{ljlw @)&# sf] bkmf #( ;Fu ;DalGwt_

ldltM ============

>L k|aGwsHo",
s[lif ljsf; a}+s ln=
===========sfof{no=======

ljifoM shf{ k'g/tflnsLs/0f÷k'g/;+/rgf u/L kfpF eGg] af/] .

dxf]bo,
pk/f]Qm ;DaGwdf o; a}+saf6 ldlt ======================= df d]/f]÷xfd|f] gfddf ================ p2]Zodf ?=
===================.– shf{ /sd :jLs[t eO{ sf/f]jf/ ub}{ cfPsf] / ============;Ddsf] ltg{k' g]{ Jofh /sdsf]
======k|ltzt÷;Dk"0f{ Jofh / ltg{k' g]{ afFsL ;fFjf /sdsf] =====k|ltzt /sd ;d]t hDdf÷r'Qmf ul/;s]sf] 5'÷5f}+ .
d]/f]÷xfd|f] gfddf :jLs[t shf{sf] e'QmfgL Dofb ldlt======================== df ;dfKt eO{;s]sf] ePtfklg ljleGg
sf/0fx?n] ubf{ xfn o; a}+snfO{ ltg{'kg]{ /sd r'Qmf ug{ c;dy{ ePsf]n] d}n]÷xfdLn] shf{ lnbf a}+snfO{ lbPsf]
lwtf], td;'s / d~h"/Lgfdf oyfjt sfod /xg] u/L a}+sn] tf]s]sf zt{ kl/zt{x?sf] kfngf ug]{ u/L=============aif{sf
nflu shf{ k'g/tflnsLs/0f÷k'g/;+/rgf u/L lbg'x'g cg'/f]w ub{5'÷5f}+ . shf{ k'g/tflnsLs/0f÷k'g/;+/rgfsf]
nflu cfjZos kg]{ lnlvt sfo{of]hgf tyf a}+sn] tf]s]sf cGo sfuhftx? ;d]t o;};fy ;+nUg u/L k]z u/]sf]
5'÷5f}+ . ;fy} o; afkt nfUg] a}+s lgodfg';f/sf] z'Ns÷lwtf] aLdf z'Ns÷;fv ;"rgf z'Ns /sd d]/f]÷xfd|f] o;
a}+sdf /x]sf] vftf g+= =================== nfO{ 8]lj6 u/L lng'x'g ;d]t d]/f]÷xfd|f] d~h"/L /x]sf] 5 .

u|fxssf] 5fk÷b:tvtM ========================

u|fxssf] gfdM ===================
u|fxssf] 7]ufgfM===================
k|f]kfO{6/÷;+rfnssf] gfdM=======================
ldl;n÷u|fxs g+=M===================================
;Dks{ g+= =============================

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 293

 cg';"rL @@
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

====================sfof{no====================
shf{ k'g/tflnsLs/0f÷k'g/;+/rgf :jLs[ltsf] lg0f{osf] kmf/fd
-shf{ sfo{ljlw @)&# sf] bkmf #( ;Fu ;DalGwt_

-s_ u|fxssf] ljj/0fM

1. gfdy/M ================================================= 7]ufgfM=========================================
;Dks{ g+= ============= ldl;n g+===================
2. kl/of]hgfsf] 7]ufgfM ====================================
3. shf{sf] p2]ZoM ================ :jLs[t shf{ /sdM ?==============shf{ :jLs[t ldltM ======================
4. xfnsf] n=/=/=M ?================.– ldlt================ ;Ddsf] kfpg'kg]{ afFsL Jofh /sdM ?=============
5. hDdf u/]sf] Jofh ?================-=== k|ltzt_ hDdf u/]sf] ;fFjf ?================-======== k|ltzt_
6. k'g/tflnsLs/0f÷k'g/;+/rgf x'g] shf{ /sdM ====================
7. kl/of]hgfsf] cj:yfM
c_ ef}lts ?kdf ;+rfngdf /x]÷g/x]sf]
cf_ k|fljlws ?kdf ;+rfng x'g ;Sg]÷g;Sg]
O_ ljQLo ?kdf kl/of]hgf ;+rfng ug{ pko'Qm x'g]÷gx'g]
O{_ yk k'FhLsf] cfjZostf kg]{÷gkg]{
p_ cGo -s]xL ePdf pNn]v ug]{_
-v_ lwtf]sf] ljj/0f
lwtf] /f]Ssf
dflh{g s6fO{ afFsL /sd ?=

d"Nof+sgstf{sf] gfd
lwtf]sf] d"Nof+sg ?=

lwtf]sf] ljj/0f
a+}ssf] dfnkf]tsf]

s}lkmot
lwtf]wgLsf]
qm=;++=

gfdy/
g=kf÷uf=kf=

If]qkmn
j8f g+=
lhNnf

ls=g+=

r=g+=

r=g+=
ldlt

ldlt

294 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @@
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

-u_ shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ug'{sf sf/0fx?M

ljj/0f /x]sf]÷ePsf] g/x]sf]÷gePsf]
u|fxsn] k]z u/]sf] lnlvt sfo{ of]hgf
kl/of]hgf pko'Qm
shf{sf] lwtf] ;'/If0f kof{Kt
cfjZos sfuhftx? k]z
shf{ k'g/tflnsLs/0f jf k'g/;+/rgf ubf{sf] lbg;Dd kfs]sf] JofhdWo]
c;"n x'g afFsL Jofhsf] sDtLdf kRrL; k|ltzt Jofh /sd c;"npk/

-3_ shf{ k'g/tflnsLs/0f÷k'g/;+/rgfsf] lg0f{o

l;kmfl/z ug]{sf] /foM
lhNnf================g=kf÷uf=kf= =================j8f g+= ====== 6f]n==================l:yt >L ===============
================================sf] gfddf ================== p2]Zodf ldlt =================df ?= ==============.–
-cIf]?kL ==========================================_ shf{ :jLs[t eO{ pkof]u ub}{ cfPsf] shf{sf] e'QmfgL Dofb
ldlt =================== ;Dd /x]sf]df shf{ k'g/tflnsLs/0f÷k'g/;+/rgfsf] nflu u|fxsaf6 lgj]bg k|fKt ePsf]df
pk/f]Qm sf/0fx?sf cfwf/df b]xfosf zt{ kl/zt{x?sf] clwgdf /xL k"j{ :jLs[t /sd ?= ================.–
-cIf]?kL ============ ========dfq_ dWo] xfn shf{ ?= ===============.–-cIf]?kL ===============================
=================_ k'g/tflnsLs/0f÷k'g/;+/rgf ug{ l;kmfl/z;fy k]; ub{5'÷5f}+ .
zt{ kl/zt{x?M
1. shf{ lnbf a}+snfO{ n]lvlbPsf] lwtf], td;'s / d~h"/Lgfdf oyfjt sfod /xg]5 .
2. shf{sf] e'QmfgL Dofb ===================;Dd /xg]5 .
3. shf{ sf/f]af/ lgoldt x'g' kg]{5 .
4. k'g/tflnsLs/0f÷k'g/;+/rgf z'Ns÷lwtf] ;'/If0fsf] aLdf z'Ns÷;fv ;"rgf z'Ns========nfUg]5 .
5. kl/of]hgf lgoldt ;+rfng x'g' kg]{5 . kl/of]hgf;Fu ;DalGwt a}+sn] dfu u/] cg';f/sf] cGo ljj/0fx? a}+sn]
tf]s]sf] ;dodf a'emfpg' kg]{5 .
6. cGo -s]xL ePdf pNn]v ug]{_ .

l;kmfl/z ug]{ sd{rf/Lsf]

gfdM ================================kb÷sf]8 g+=M ========b:tvtM ========== ldltM ==========================
gfdM ================================kb÷sf]8 g+=M ========b:tvtM ========== ldltM ==========================

shf{ ;ldIffM
shf{ u|fxssf] lgj]bg tyf lnlvt sfo{of]hgfsf] cfwf/df l;kmfl/zstf{x?n] u/]sf] l;kmfl/znfO{ ;dy{g u/L
=============== p2]Zodf k"j{ :jLs[t shf{ ?======== =========.–dWo] xfn shf{ ?==================-cIf]?kL ====
================================================_ ldlt ============= ;Ddsf nflu k'g/tflnsLs/0f÷k'g/;+/rgf
ug{ :jLs[ltsf nflu k]z ub{5' .
;dLIfssf] gfdM =============================== kb÷sf]8 g+=M ============b:tvtM==================ldltM===============
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 295
 cg';"rL @@
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

shf{ :jLs[ltM
lhNnf ========================= g=kf÷uf=kf= ========================== j8f g+======= 6f]n =======================
l:yt >L =============================sf] gfddf ============== p2]Zodf ldlt =================df :jLs[t shf{
/sd ?= ====================== dWo] ?= ================shf{ /sdnfO{ k'g/tflnsLs/0f÷k'g/;+/rgf ug{ shf{
l;kmfl/zstf{x? Pj+ ;dLIfsn] u/]sf] l;kmfl/znfO{ ;dy{g ub{5' . pNn]lvt zt{ tyf ;'ljwfx?sf] clwgdf
/lx lgh u|fxssf] dfu adf]lhd k"j{ :jLs[t /sd ?= ================= -cIf]?kL ============ =============
=================dfq_ dWo] xfn shf{ ?= =============== -cIf]?kL =========================================_
ldlt====================;Dd shf{ k'g/tflnsLs/0f÷k'g/;+/rgf ug{ :jLs[lt k|bfg ub{5' .

pk/f]Qm shf{ o; sfof{nosf] shf{ :jLs[t clwsf/ ;LdfeGbf a9L ePsf]n] shf{ k'g/tflnsLs/0f÷k'g/;+/rgfsf]
nflu If]qLo÷d'Vo sfof{no =============== k7fpg l;kmfl/z ub{5' .
sfof{nosf] sf/f]af/sf] ;+lIfKt ljj/0fM
km/s
ljj/0f jflif{s nIo ?= xfn;Ddsf] k|ult ?=
/sd ?= k|ltzt
s'n n=/=/= /sd
s'n lgIf]k /sd
lgliqmo shf{ cg'kft
afFsL Jofh
;DalGwt If]qut shf{sf] k|ltzt
gfkmf÷gf]S;fg
shf{ lgIf]k cg'kft
-gf]6M shf{ k'g/tflnsLs/0f÷k'g/;+/rgfsf] nflu If]qLo sfof{no÷d'Vo sfof{nodf k7fpg'kg]{ shf{ ldl;nsf]
xsdf clgjfo{ ?kdf pk/f]Qm ljj/0f eg{' kg]{5 ._
:jLs[t ug]{ clwsf/LM
k|aGwssf] gfdM================================
sf]8 g+= ===============
b:tvtM===============
ldltM =============

296 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @#
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

==============sfof{no===================
;dofjlw cufj} lwtf] k'g/d"Nof+sg ug]{ ;DaGwL lg0f{o kmf/fd
-shf{ sfo{ljlw @)&# sf] bkmf $* ;Fu ;DalGwt_

!= shf{ u|fxssf] ljj/0fM

-s_ u|fxssf] gfdM ============================================
-v_ u|fxssf] 7]ufgfM ==================================================
-u_ k|f]k|fO6/÷;+rfnssf] gfdM ===================================================
-3_ k|f]k|fO6/÷;+rfnssf] 7]ufgfM ==============================================

@=shf{ sf/f]jf/sf] xfnsf] ljj/0fM

qm= shf{sf] p2]Zo shf{ :jLs[t ==================;Ddsf] afFsL shf{sf] ljj/0f

;+= ldlt /sd ?= ef=g=gf= ?= ef=gf= hDdf Jofh hDdf ?=
?= ;fFjf ?= afFsL ?=

hDdf hDdf
kl/of]hgfsf] cj:yfM ===========================================================================================
==================================================================================================================
=================================================================

#=k"j{ d"Nof+lst lwtf]sf] ljj/0f tyf ;fdflhs÷ef}lts cj:yfM

lwtf] d"Nof+sgstf{sf] gfd / 7]ufgfM =================================================
lwtf] d"Nof+sg u/]sf] ldltM =====================================================
lwtf]sf] ljj/0f ljh'nL, kfgL,
hDdf 3/÷
;8ssf] 6]nLkmf]g, 9n,
qm= lwtf]wgLsf] hUufsf]
g=kf=÷ j8f ls= 3/sf] lsl;d / :s'nsn]h tyf
;+= gfd / 7]ufgf lhNnf If]qkmn d"Nof+sg
uf=kf= g+= g+= If]qkmn rf}8fO{ cGo ef}lts
;+/rgf /sd ?=

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 297

 cg';"rL @#
$= lwtf]sf] k"g/d"Nof+sg ug'{sf] sf/0f -ef}lts÷;fdflhs cj:yf tyf cGo s]xL ePdf pNn]v ug]{_M
-s_ ==========================================================================================================
-v_==========================================================================================================
-u_ ==========================================================================================================
-3_ ==========================================================================================================
%= lwtf] k"g/d"Nof+sgsf] nflu ;DalGwt sfof{nosf] l;kmfl/zM
lhNnf==================uf=kf=÷g=kf=========================j8f g+=================a:g]÷/x]sf]
>L============================= n] shf{ sf/f]jf/ ubf{ a}+snfO{ lbPsf] b]xfo adf]lhdsf] lwtf] k"g/d"Nof+sg ug{
:jLs[ltsf] nflu l;kmfl/z;fy If]qLo sfof{no ==============k7fpg] lg0f{o ub{5f}+ .

lwtf]sf] ljj/0f
lwtf]wgLsf] gfd
qm=;+= 3/sf]
7]ufgf lhNnf g=kf=÷uf=kf= j8f g+= ls=g+= If]qkmn
If]qkmn

l;kmfl/zstf{sf] ;ldIfssf] k|aGwssf]

gfdM================== gfdM================== gfdM==================
kb÷sf]8 g+= ================== kb÷sf]8 g+= ================== sf]8 g+= ==================
b:tvtM ================== b:tvtM ================== b:tvtM ==================
ldltM ================== ldltM ================== ldltM ==================
^= If]qLo sfof{nosf] lg0f{oM
s[lif ljsf; a}+s ln= ===========sfof{no==========sf] shf{ u|fxs >L========================================
-k|f]k|fO{6/÷;+rfns >L===========================================_ n] shf{ sf/f]jf/ ubf{ a}+snfO{ lbPsf] b]xfo
adf]lhdsf] lwtf] k'g/d"Nof+sg ug{ ;DalGwt sfof{nosf] l;kmfl/z pko'Qm ePsf]n] pQm lwtf] k'g/d"Nof+sg ug{
:jLs[lt lbg] lg0f{o ul/of] .
lwtf]sf] ljj/0f
lwtf]wgLsf] gfd
qm=;+= 3/sf]
7]ufgf lhNnf g=kf=÷uf=kf= j8f g+= ls=g+= If]qkmn
If]qkmn

l;kmfl/zstf{sf] ;ldIfssf] :jLs[t ug]{ clwsf/Lsf]

gfdM================== gfdM================== gfdM============
kb÷sf]8 g+= ================== kb÷sf]8 g+= ================== kb÷sf]8 g+= ==================
b:tvtM ================== b:tvtM ================== b:tvtM ==================
ldltM ================== ldltM ================== ldltM ==================

298 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @$
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

=================sfof{no======================
cf+lzs lwtf] km's'jf ;DaGwL lg0f{o kmf/fd
-shf{ sfo{ljlw @)&# sf] bkmf %% ;Fu ;DalGwt_

!= shf{ u|fxssf] ljj/0fM

-s_ u|fxssf] gfdM =======================================================================
-v_ u|fxssf] 7]ufgfM ===============================================================================
-u_ k|f]k|fO6/÷;+rfnssf] gfdM ==============================================================================
-3_ k|f]k|fO6/÷;+rfnssf] 7]ufgfM ================================================================

@= shf{sf] ljj/0fM
shf{ :jLs[t shf{sf] e"QmfgL ==================;Ddsf] shf{sf] ljj/0f
shf{sf] ef=gf= hDdf Jofh
qm= /sd /sd ef=g=gf= hDdf
p2]Zo ldlt ldlt /sd ;fFjf afFsL
;+= ?= ?= /sd ?= ?=
?= ?= ?=

hDdf hDdf hDdf

#= shf{ k|bfg ubf{ /x]sf] lwtf]sf] ljj/0fM

lwtf]sf] ljj/0f dflh{g lwtf] d"Nof+sg
lwtf]wgLsf] lwtf]
qm= s§Lkl5sf]
gfd / g=kf=÷ j8f ls= 3/sf] d"Nof+sg d"Nof+sgstf{sf]
;+= lhNnf If]qkmn d"Nof+sg ldlt
7]ufgf uf=kf= g+= g+= If]qkmn /sd ?= /sd ?= gfd

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 299

 cg';"rL @$
$= cf+lzs km's'jf ug'{kg]{ lwtf]sf] ljj/0fM
lwtf]wgLsf] lwtf]sf] laa/0f lwtf] dflh{g
qm=
gfd / g=kf=÷ j8f d"Nof+sg s§Lkl5sf]
;+= lhNnf ls= g+= If]qkmn 3/sf] If]qkmn /sd ?= d"Nof+sg /sd ?=
7]ufgf uf=kf= g+=

hDdf

%= cf+lzs lwtf] km's'jf kZrft\ afFsL /xg] lwtf]sf] ljj/0fM

lwtf]sf] ljj/0f lwtf] dflh{g s§Lkl5sf]
qm= lwtf]wgLsf] g=kf=÷ j8f 3/sf] d"Nof+sg d"Nof+sg /sd ?=
;+= gfd 7]ufgf lhNnf uf=kf= g+=
ls=g+= If]qkmn
If]qkmn /sd ?=

hDdf

^= afFsL /xg] shf{ / afFsL /xg] lwtf] d"Nof+sg /sdsf] cj:yfM

:jLs[t shf{ /sd÷cfjlws afFsL /xg] ca sfod
shf{sf] dflh{g s§Lkl5sf]
qm=;+= shf{sf] xsdf nufgLdf /xg] shf{ /sd x'g] shf{
p2]Zo /sd ?= d"Nof+sg /sd ?= ?= ;Ldf ?=

&= shf{ u|fxs÷lwtf]÷kl/of]hgf ;DaGwL lg/LIfsx?sf] /foM

shf{ u|fxssf] af/]df ============================================================================================
lwtf]sf] af/]df ===================================================================================================
kl/of]hgfsf] af/]df ==============================================================================================
cGo =============================================================================================================

300 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @$
*= cf+lzs lwtf] km's'jf l;kmfl/zM
lhNnf==================uf=kf=÷g=kf==============j8f g+=====a:g]÷/x]sf] >L====================================
n] xfn;Dd a'emfpg' kg]{ efvf gf3]sf] ;fFjf / jSof}tf Jofh a'emfPsf]÷a}+sdf /sd ?====================== hDdf
ug]{ ePsf]n] >L ==================== gfdsf] lhNnf========uf=kf=÷g=kf========================j8f g+=========
ls=g+========== If]qkmn=========dfly pNn]lvt ljj/0f tyf lg/LIfsx?sf] /fosf] cfwf/df =============p2]Zodf
shf{ ;Ldf /sd ?======== sfod x'g] u/L cf+lzs lwtf] km's'jf ug{ l;kmfl/z ub{5'÷5f}+ .
l;kmfl/z ug]{sf] gfdM ==========================
kb÷sf]8 g+=M======================================
b:tvtM================================================
ldltM=================================================
(= ;dLIffM
shf{ clws[t;xfosn] >L ======================== gfdsf] lhNnf======== uf=kf=÷g=kf========================
j8f g+========= ls=g+========== If]qkmn============ sf] lwtf] ============= p2]Zodf shf{ ;Ldf /sd
?====================== sfod x'g] u/L cf+lzs km's'jf ug{ u/]sf] l;kmfl/znfO{ ;dy{g ub{5' / :jLs[ltsf nflu
k]; u/]sf] 5' .

;dLIff ug]{sf] gfd===========================

kb÷sf]8 g+ M=======================
b:tvt M=========================
ldlt M===========================

!)= cf+lzs lwtf] km's'jf ug{ :jLs[ltM

l;kmfl/zstf{ tyf ;dLIfsn] dfly cf+lzs lwtf] km's'jf ug{ u/]sf] l;kmfl/znfO{ ;dy{g ub}{ >L
=============================== gfdsf] lhNnf======== uf=kf=÷g=kf ======================== j8f g+= ========
ls=g+= ========= If]qkmn =============== sf] lwtf] ============= p2]Zodf shf{ ;Ldf /sd ?= ================
sfod x'g] u/L cf+lzs lwtf] km's'jf ug]{ lg0f{o ub{5' .

:jLs[t ePsf] pk/f]Qm shf{ o; sfof{nosf] shf{ :jLs[t clwsf/ ;LdfeGbf a9L ePsf]n] cf+lzs lwtf]
km's'jfsf] lg0f{osf] nflu If]qLo÷d'Vo sfof{no===================== k7fpg l;kmfl/z ub{5' .

k|aGwssf] gfdM ===========================

sf]8 g+=M ===========================================
b:tvtM ==========================================
ldltM =============================================

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 301

 cg';"rL @%=!
s[lif ljsf; a}+s ln= kmf]g g+=M ==========
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ ˆofS; g+=M ============
-shf{ sfo{ljlw @)&# sf] bkmf %! ;Fu ;DalGwt_
ldltM==========================

laifoM lwtf] km's'jf u/L kfpF .

>L k|aGwsHo",
=======sfof{no==============
dxf]bo,
d}n] To; a}+saf6 ========================ldltdf=========================== p4]Zodf lnPsf] shf{ ;Dk"0f{
?kdf r'Qmf u/L ;s]sf] ;fy} d]/f] JolQmut hdfgLdf k|jfx ePsf] shf{ afFsL /x]sf]÷g/x]sf] x'Fbf d]/f] gfddf /f]Ssf
/flvPsf] lwtf] km's'jf u/L lwtf]sf] ;Ssn sfuhftx? lkmtf{ ul/ lbg' x'g cg'/f]w ub{5'÷ub{5f}+ . d]/f] gfddf cGo
s'g} shf{ afFsL 5}g egL lgj]bg ub{5'÷ub{5f}+ . Joxf]/f e'm¶f 7x/] sfg"g adf]lhd ;xg] a'emfpg] 5'÷5f}+ . kl5 s'g}
klg C0f afFsL 7x/ ePdf d]/f] rn crn ;DklQaf6 c;"npk/ u/]df d]/f]÷xfd|f] d~h"/ 5 . kl5 s'g} ph'/ ug]{
5}g .
ejbLo,
=====================================
gfdM
ldl;n g+=M
uf=kf=÷g=kf=M j8f g+=

-a}+s k|of]hgsf nflu_

shf{÷;'ljwf / lwtf]sf] ljj/0f
lwtf]wgLsf] lwtf]sf]
qm=;+= zLif{s÷p2]Zo ldl;n g+= ls=g+= If]qkmn
gfd 7]ufgf
!
@

shf{ zfvfaf6 l;kmfl/z ugM]{ n]vf zfvfaf6 l;kmfl/z ugM]{

lghsf] gfddf s'g} shf{ afFsL g/x]sf]÷o; lwtf]af6 lghsf] cGo ltg{' kg]{ afFsL g/x]sf] x'Fbf
csf]{ kIfnfO{ lwtf] d~h"/Lgfdf glbPsf] x'Fbf lwtf] lwtf] km's'jf ug{ l;kmfl/z ub{5f}+ .
km's'jf ug{ l;kmfl/z ub{5f}+ . !=
!= @=
@=
k|aGwssf] lg0f{oM

302 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @%=@
s[lif ljsf; a}+s ln= kmf]g g+= ===============
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ ˆofS; g+= ============
==================sfof{no,====================
-b[li6aGws /lhi6«]zg ul/Psf] lwtf] km's'jf ug{ k7fpg] kqsf] gd'gf_
-shf{ sfo{ljlw @)&# sf] bkmf @* ;Fu ;DalGwt_
r=g+=M ldltM ===============
k=;+=M
>L dfnkf]t sfof{no
========================== .

ljifoM lwtf] b[li6aGws /lhi6«]zg km's'jf ul/lbg] ;DaGwdf .

dxf]bo,
o; sfof{nosf] r=g+= ========== ldlt==============sf] cg'/f]w kqfg';f/================To; sfof{nosf]
r=g+=========ldlt=============sf] /f]Ssf hfgsf/L kqfg';f/ lhNnf==============uf=kf=÷g=kf===============j8f
g+= ============= a:g] =========================sf] gftL÷a'xf/L===============sf] 5f]/f÷5f]/L÷>LdtL=============
==========sf] gfdaf6 /f]Ssf b[li6aGws /lhi6«]zg kf; eO{/x]sf] tklzn cg';f/sf] lwtf] 3/÷hUuf lghn] o;
a}+sdf a'emfpg'kg]{ ;Dk"0f{ shf{÷;'ljwf r'Qmf u/L lwtf] km's'jf dfu u/]sf] x'Fbf lwtf] b[li6aGws /lhi6«]zg km'sj' f
ul/lbg'xg' cg'/f]w ub{5f}+ . pk/f]Qm sfo{sf] nflu o; sfof{nosf] tk{maf6 lgDg b:tvt gd'gf ePsf sd{rf/L >L
========================= nfO{ k7fPsf 5f}+ .
tklzn
km's'jf x'g] lwtf]df /x]sf] 3/÷hUufsf] ljj/0fM
hUufwgLsf] 7]ufgf hUuf /x]sf] 7]ufgf ls=g+= If]qkmn l;6 g+=
gfdy/ lhNnf uf=kf=÷g=kf= j8f g+=

km's'jf x'g] 3/sf] ljj/0fM nDafO{M ==============lkm6, rf}8fO{M =================lkm6, prfO{M

=====================lkm6
Rff}lsNnfM k"j{M ===========, klZrdM==========, pQ/M ===========, blIf0fM ==============
hUufwgLsf] gful/stf gDj/M================, hf/L ldltM ======================, lhNnfM=====================
afa'÷kltsf] gfdM ===============================, afh]÷;;'/fsf] gfdM =========================================

sd{rf/Lsf] b:tvtsf] gd'gf

af]wfy{M ejbLo,
s[lif ljsf; a}+s ln=
==========================M k|ltlgwL k7fO{ lbg'x'g . =========================
k|aGws÷shf{ kmfF6 k|d'v

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 303

 cg';"rL @^=!

-shf{ sfo{ljlw @)&# sf] bkmf =======;Fu ;DalGwt_

;'grfFbL lg/LIfssf] sa"lnotgfdf
lnlvtd\ >L================================================= sf] gflt÷gfltgL >L ============================sf]
5f]/f÷5f]/L >L ==================================sf] kTgL ================ =====lhNnf ========= g=kf=÷ uf=kf=
j8f g+= =========6f]n ================:yfoL 7]ufgf eO{ =============================================a:g] jif{
========sf]÷sL s[lif ljsf; a}+s ln=sf] ====== txsf] =================kbsf] sd{rf/L d=====================
=============== cfu], s[lif ljsf; a}+s ln=sf] k|rlnt shf{ sfo{ljlw tyf a}+ssf] gLlt cg'?k a}+ssf] =======
sfof{no ================ af6 ;'grfFbL lwtf] shf{ nufgL, shf{ lg/LIf0f, cg'udgsf;fy} shf{ c;"nLsf] ;Dk"0f{
lhDd]jf/L ;d]t /xg] ;'grfFbL lg/LIfssf] ?kdf sfo{ ug{ d d~h"/ 5' . ;'grfFbL ;DaGwL sf/f]jf/df d /fd|f] hfgsf/L
/fVb5'÷o;df d]/f] /fd|f] cg'ej 5 . lwtf]df /x]sf] ;'grfFbLsf] u'0f:t/ tyf tf}ndf km/s b]lvPdf To;sf] ;Dk"0f{
lhDd]jf/L d]/f] x'g]df d]/f] d~h"/L 5 . a}+ssf] of] lhDd]jf/L jxg ubf{ d}n] lwtf] :j?k a'lemlnPsf ;Dk"0f{ ;'grfFbLsf]
k"0f{ z'4tfsf] ;fy} d}n] nufgL u/]sf shf{sf] ;fFjf, Jofh nufot ;Dk"0f{ n]gf /sd c;"nLsf] lhDdf d]/f]] x'g]
Pj+ d}n] a'lemlnPsf ;'grfFbLsf] tf}nn] ;DalGwt shf{nfO{ vfDg] k"0f{ Uof/]06L ;d]t cfˆgf] x'g]df d]/f] d~h"/L 5 .
shf{ ;'/If0fsf] of] lhDd]jf/L jxg u/]afkt a}+saf6 k|fKt x'g] shf{ Uof/]06L sldzg ;DaGwdf dnfO{ hfgsf/L 5 .
;DalGwt dfnj:t'sf] df]nn] shf{sf] n]gf /sd gk'u ePdf shf{ sfo{ljlw cg'?k shf{ Uof/]06L k|of]hgsfnflu
Go"gtd hdfgt :j?k a}+ssf] sd{rf/L cjsfzsf]if sfof{nodf /x]sf] d]/f]] ;+rosf]if /sd lgodfg';f/ Earmarked
u/L /f]Ssf /fVg d]/f] d~h"/L 5 . ;f] /sdn] gEofPdf d}n] nufgL u/]sf] shf{sf] ;Dk"0f{ /sd a}+saf6 k|fKt x'g]
d]/f] shf{ Uof/]06L sldzg, ;+lrtsf]if, a}+saf6 kfpg] cGo n]gf /sd Pj+ cGo 3/3/fgfaf6 ;d]t ltg{, a'emfpg
d]/f] d~h"/L 5, glt/] ga'emfP ;f]xL adf]lhd c;"npk/ ul/lng' . o; ;DaGwdf d}n] s'g} sa"lnot u/]sf] 5}g
egL s'g} ph'/ jfh'/ ug]{ 5}g, u/] o;} lnvtn] ab/ ul/lbg' egL d]/f] dgf]dfg, v';L/fhL;Fu s[lif ljsf; a}+s ln=
========= sfof{no=============== df a;L ;xL5fk u/L a}+ssf k|aGwssf] /f]xj/df lwtf] ;'/If0f ;DaGwL ;'grfFbL
lg/LIfssf] of] sa"lnotgfdf u/L a}+snfO{ lbPF .

sd{rf/Lsf] b:tvtM cf}+7fsf] ;xL 5fkM bfofFF afofF

gfd y/M kbM sf]8 g+=M
sfof{noM
/f]xj/
k|aGwssf] gfdM sf]8 g+=M b:tvtM
sfof{nosf] 5fkM

O{lt ;Djt\ @)============;fn=================dlxgf================ut] /f]h===============z'ed\ .

304 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @^=@

-shf{ sfo{ljlw @)&# sf] bkmf !@ ;Fu ;DalGwt_

;'grfFbL lwtf] shf{sf] td;'s -a}+sk|lt_
ldl;n g+=======

lnlvtd\ >L================================================= sf] gflt÷gfltgL >L

============================sf] 5f]/f÷5f]/L >L ==================================sf] kTgL ==========
bfofF

=====lhNnf ===============g=kf=÷uf=kf= j8f g+= =========6f]n ================:yfoL 7]ufgf eO{

=======================a:g] jif{ ========sf]÷sL==================================== cfu], d}n]
÷xfdLn] cfhsf ldltdf tkl;nsf dfn;fdfgx? lwtf] /fvL jflif{s ;os8f========k|ltztsf
jfofF

b/n] Jofh a'emfpg] u/L ?================-cIf]?kL ================= ============= dfq_ s[lif

ljsf; a}+s ln=, ========sfof{no ================ af6 3/fo;L k|of]hgsf nflu shf{ lnPsf]
7Ls ;fFrf] xf] . a}+sn] ;do–;dodf lgwf{l/t u/]adf]lhdsf] b/n] shf{sf] Jofh lgodfg';f/ dfl;s
;fIfL != ========lhNNff========uf=kf=÷g=kf========== j8f g+=====a:g] jif{=====sf] >L ====================

?kn] a'emfO{ cfhsf ldltn] Ps jif{ leq cyf{t\ ldlt ============== ;Dd ;fFjf, Jofh, aLdf z'Ns
@= =========lhNNff========uf kf=÷g=kf========== j8f g+=====a:g] jif{====sf] >L + +====================

nufot ltg'{kg]{ ;Dk"0f{ /sd a'emfpg d]/f] d~h"/L 5 . pk/f]Qm adf]lhd Pj+ lgodfg';f/ shf{ gjLs/0f
eP ;f]xL cjlw;Dd ;fFjf / dlxg}lkR5] Jofh ga'´fPdf tkfO{+ wgL a}+ssf] lgodfg'[;f/ nfUg] dWod
Jofh, pRr Jofh nufot ;a} lsl;dsf] yk Jofh tyf ;do ;dodf a}+sn] tf]s]sf] cGo z'Ns
;d]t a'emfpg d~h"/ 5' . efvf k'Ug' cufj} ahf/sf] kl/l:yltn] lwtf]df /x]sf] d]/f] dfnsf] df]n 36\g
uPdf a}+sn] dfu u/]adf]lhdsf] yk dflh{g a}+sn] lbPsf] ;doleq} a'emfpg]5' . of] shf{ /sdsf]
efvfleq} ;fFjf, Jofh r'Qmf u/L a'emfpg g;s] jf dfu u/]adf]lhdsf] yk dflh{g a}+sn] lbPsf]
;doleq} a'emfpg g;s] lwtf] /fv]sf] dfn h'g;'s} avt laqmL u/L jf cGo k|lqmofaf6 a}+sn] n]gf
/sd c;"npk/ ul/lng' . sy+sbflrt shf{sf] efvf gf3]df lnnfd÷lalqmsf]nflu b}lgs klqsfdf
k|sflzt ;"rgfnfO{ hfgsf/L ePsf] dfGg]5' . klqsfdf k|sflzt ;"rgf jfx]s ;f] k"j{ s'g} lnlvt
;"rgf glbO{ lwtf] lnnfd÷lalqm u/]df d]/f] d~h"/L 5 . lnnfd laqmL ubf{ d]/f] w]/} d"No hfg] dfn
yf]/} d"Nodf laqmL ul/P5 eGg] s'g} ph'/ jfh'/ ug]{ 5}g, u/] o;} lnvtn] ab/ ul/lbg' . ;f] /sdaf6
klg gk'u eP a}+ssf] ltg'{kg]{ /sd d]/f]÷xfd|f] cGo 3/3/fgfaf6 a'emfpg]5' . ga'emfP d]/f]÷xfd|f] gfddf
btf{ /x]sf] jf xsnfUg] h'g;'s} rncrn ;DklQ jf cGo hfoh]yfaf6 c;"npk/ ul/lng' egL d]/f]
dgf]dfg, v';L/fhL;Fu s[lif ljsf; a}+s ln=, ========sfof{no ========df a;L ;xL5fk u/L of] lwtf]
;'/If0fsf] td;'s n]vL s[lif ljsf; a}+s ln=nfO{ lbPF . ;fIfL lsgf/fsf ;b/ .
o; shf{sf] d]/f]] z]ifkl5 xfn====================df a:g] aif{=========sf] d]/f]===========gftf ;DaGw
kg]{ >L ==================================nfO{ O{R5fPsf] x'Fbf o;}nfO{ O{R5fkqsf] dfGotf lbO{ a}+ssf]
lng'kg]{ ;fFjf, Jofh, aLdf z'Ns nufotsf] ;Dk"0f{ /sd lghaf6 lnO{ lwtf] dfn;fdfg lkmtf{ lbg'xg'
;d]t o;} lnvtaf6 cg'/f]w ub{5' .
C0fLsf] b:tvtM
gfdy/M
7]ufgfM
k]zfM bfofF jfofF
;Dks{ g+= cf}+7fsf] ;xL 5fkM

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 305

 cg';"rL @^=@
tkl;n
yfg uGtL cGbfhL shf{
qm= k"/f df]n dflh{g
dfnsf] ljj/0f -c+s / lsl;d tf}n a}+s b/ /sd
;+= ?= s§L ?=
cIf/df_ -u|fd_ ?=

hDdf

;'grfFbL lg/LIfs k|aGws

O{lt ;Djt\ @)============;fn=================dlxgf================ut] /f]h===============z'ed\ .

306 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @^=#
s[lif ljsf; a}+s ln= kmf]g g+=M =============
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ ˆofS; g+=M ============

====================sfof{no======================
-shf{ sfo{ljlw @)&# sf] bkmf !# ;Fu ;DalGwt_
;'grfFbL lwtf] shf{sf] u|fxsk|lt /l;b

u|fxs g+=÷ldl;n g+= ldltM ============

>L================================================= sf] gflt÷gfltgL >L =============================================

=====sf] 5f]/f÷5f]/L >L ==================================sf] kTgL ================ =====lhNnf ===========
g=kf=÷uf=kf= j8f g+= =========6f]n ================:yfoL 7]ufgf eO{ xfn============== jf8{ g+= ======== 6f]n
Ans =========== a:g] aif{ ========= sf] >L===========================n] cfhsf ldltdf jflif{s======== k|ltztsf
b/n] Jofh ltg]{ u/L td;'s u/L tkl;nsf] zt{df shf{ lnPsf] ?==================== -cIf]?kL =================
=================== _ sf] lgldQ ;'/If0f lbPsf] tkl;nsf dfn a}+ssf] vftfdf hgfO{ a}+ssf] ;'/If0fdf /flvPsf]
5.
-!_ efvf k'Ug' cufj} ahf/sf] kl/l:yltn] lwtf]df /x]sf] dfn;fdfgsf] df]n 36\g uPdf a}+sn] dfu u/] adf]lhdsf]
yk dflh{g & -;ft_ lbgleq dfn;fdfg jf gub} a'emfpg' kg]{5 . ga'emfP lwtf] /fv]sf] dfn;fdfg oyflz3|
laqmL x'g]5 / ;f] laqmLaf6 c;"ndf gk'u x'g cfPdf afFsL /sd 3/3/fgf jf c? hfoh]yfaf6 c;"npk/
ul/g]5 . o;df kl5 s'g} s'/fsf] ph'/ ug{ kfpg] 5}g .
-@_ shf{sf] e'QmfgL ldlt ========================= x'g]5 .
-#_ ;'/If0fafkt /flvPsf] ;'grfFbLsf] ;|f]t ;DaGwdf cGoyf x'g uPdf u|fxs :jo++ k"0f{?kdf lhDd]jf/ x'g' kg]{5 .
-$_ a}+s lgodfg';f/ k|To]s dlxgfsf] d;fGtleq ;f] dlxgfsf] dfl;s Jofh a'emfpg' kg]{5 . dfl;s Jofh
ga'emfPdf jf e'QmfgL ldltleq shf{ r'Qmf gu/]df a}+s lgodfg';f/ nfUg] dWod Jofh, pRr Jofh nufot
;a} lsl;dsf] yk Jofh tyf ;do ;dodf a}+sn] tf]s]sf] cGo z'Ns ;d]t a'emfpg' kg]{5 .
-%_ a}+ssf] ljBdfg lgod sfg"g tyf o; ;DaGwL kl5 aGg] lgod sfg"g o; shf{df ;d]t dfGo x'g]5 .
-^_ shf{ cf+lzs jf k"/f r'Qmf ubf{ Pj+ dfn 5'6fpFbf of] /;Lb lnO{ cfpg' kg]{5 .
tkl;n
qm= yfg uGtL dfnsf] cj:yf cGbfhL tf}n
dfnsf] ljj/0f tf}n cIf/df
;+= -c+s / cIf/df_ jf lsl;d -u|fd_

hDdf

;'grfFbL lg/LIfs k|aGws

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 307

 cg';"rL @^=$
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

====================sfof{no======================
;'grfFbL lwtf] shf{ nufgL /lhi6«/

shf{ dfu
shf{ shf{
u|fxssf] u/]sf] Jofh shf{sf] shf{ dfukq lwtf]sf]
qm=;+= l;kmfl/z :jLs[t s}lkmot
gfdy/ / shf{/sd b/ cjlw btf{ gDa/ ljj/0f
?= /sd ?= /sd ?=
7]ufgf

shf{ l;kmfl/zstf{ -;'grfFbL lg/LIfs_ :jLs[t ug]{ -k|aGws_

308 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @^=%
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

====================sfof{no===============
9's'6Ldf /fv]sf] ;'grfFbL ;fdfgsf] clen]v

9's'6L u|fxssf]] cGbfhL k"/f

qm= ldl;n dfnsf] yfg shf{ e'QmfgL dfn lkmtf{
bflvnf gfd, tf}n df]n
;+= g+= ljj/0f uGtL -u|fd_ ?= /sd ?= ldlt ldlt
ldlt 7]ufgf

;'grfFbL lg/LIfs k|aGws

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 309

 cg';"rL @^=^
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

==================sfof{no==================
-shf{ sfo{ljlw @)&# sf] bkmf ^* ;Fu ;DalGwt_
lwtf]df /x]sf] ;'grfFbLsf] cj:yf, hfFra'em tyf d"Nof+sgsf] ljj/0f
!= shf{ u|fxssf] gfdM–
@= 7]ufgf lhNnfM ============uf=kf=÷g=kf= ============= j8f g++= ======= ufpF÷6f]n======
#= shf{sf] p2]ZoM ======== $= shf{ lnPsf] ldltM ===========
%= shf{ /sd ?= ============ ^= d"Nof+sgstf{sf] gfdM ==========
&= xfn;Ddsf] a'emfpg'kg]{ hDdf /sd ?= ==============
*= lwtf]sf] ljj/0f Pj+ d"Nof+sgM
qm= dfnsf] yfg uGtL tf}n nufgL k"j{sf] xfnsf] a}+s hDdf d"No
cj:yf
;+= ljj/0f -c+s / cIf/df_ -u|fd_ d"Nof+sg ?= b/ ?= ?=

hDdf

(= d"No+flst /sd ?= =======================. -cIf]?kL==============================================_

!)= lg/LIfs÷d"Nof+sgstf{sf] b:tvt

;'grfFbL lg/LIfs shf{ k|d'v k|aGws

gf]6M
!= ;'grfFbL lwtf] d"Nof+sg sfo{ shf{ efvf gf3]sf] @% lbgleq ;DkGg ul/ ;Sg'kg]{5 .
@= of] d"Nof+sgkZrft\ lnnfdL sf/jfxLsf] ;"rgf & lbgleq /fli6«o b}lgs klqsfdf k|sflzt ug'{ kg]{5 .
!!= shf{ ;ldltsf] lg0f{o ldltM ============== !@= a}7s g+=M ======
o; sfof{nosf shf{u|fxs >L =======================================sf] ;'grfFbL shf{sf] pk/f]Qm cg';f/ ;fFjf
?====================Jofh ?====================/ cGo lng'kg]{ /sd ?================;d]t xfn;Ddsf] hDdf
lng'kg]{ /sd ?=================cIf]?kL===========================/ lnnfdLsf] lbg;Ddsf] lng'kg]{ ;Dk"0f{ /sd
c;"npk/ ug{ lghn] a}+sdf ;'/If0fafkt /fv]sf] ;'grfFbL dfn a}+s lgodfg';f/ @! lbgsf] ;"rgf k|sfzg dfk{mt\
lnnfd laqmL u/L c;"npk/ ug]{ lg0f{o ul/of] .
==================== ===================== ===============
;'grfFbL lg/LIfs shf{ k|d'v k|aGws
gfdM gfdM gfdM
sf]8 g+=M sf]8 g+=M sf]8 g+=M

310 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @^=&
s[lif ljsf; a}+s ln= kmf]g g+=M =============
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ ˆofS; g+=M =============
===================sfof{no====================
-shf{ sfo{ljlw @)&# sf] bkmf ^* ;Fu ;DalGwt_

k=;+=M ldltM =========

r=g+=M

>L ===================
g=kf=÷uf=kf= ===================
j8f g+= === lhNnf ===================

ljifoM lg0f{osf] ;"rgf ul/Psf] af/] .

dxfzo,
tkfO{+n] =================== ldltdf =================ug{ egL o; a}+saf6 ?= =========================.
-cIf]?kL ===================_ ;'grfFbL lwtf] shf{ lng' ePsf]df tkfO{+n] shf{ lnbf ul/lbg' ePsf] lnvtdf n]lvP
adf]lhdsf] zt{ kfngf gu/L e'QmfgL sfo{qmd cg';f/ ;dodf ls:tf e'QmfgL gug'{ ePsf]÷================== ug'{
ePsf] x'Fbf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] bkmf %& cg';f/ sfo{jfxL u/L tkfO{+;Fu lng'kg]{ afFsL
;fFjf, Jofh / cGo vr{ /sd ;d]t c;"npk/ ug]{ af/] lgod adf]lhd 7x/ ;fy k]z ul/Psf]df ;'/If0fafkt
/flvPsf] ;'grfFbL ;fdfg lnnfd÷ljqmL ug]{ egL lg0f{o ePsf] x'Fbf s[lif ljsf; a}+s ln= sf] k|rlnt shf{
sfo{ljlw, @)&# adf]lhd hfgsf/Lsf] nflu of] ;"rgf ul/Psf] 5 .

ejbLo,

=========================
k|jGws÷shf{ clws[t

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 311

 cg';"rL @^=*
s[lif ljsf; a}+s ln= sf] ;'grfFbL lwtf] shf{sf] lwtf] lnnfdL laqmL ;DaGwL ;"rgf
k|sflzt ldlt =================

s[lif ljsf; a}+s ln= =========== sfof{no================af6 ;'grfFbL lwtf] shf{ lng] tkl;n adf]lhdsf
C0fLx?n] a}+snfO{ shf{ lnbfsf avt ul/lbPsf] td;'sdf pNn]lvt zt{x? kfngf gu/]sf]n] k6s k6s t/tfs]tf
ubf{ ;d]t shf{ km/kmf/s gePsf] x'Fbf of] ;"rgf k|sflzt ul/Psf] 5 . of] ;"rgf k|sflzt ul/Psf] ldltn] @!
lbgleq a}+snfO{ e"QmfgL ug'{kg]{ ;fFjf, Jofh tyf cGo kfpg' kg]{ /sd km/kmf/s u/L shf{ ;'/If0f afkt a}+sdf
/x]sf] ;"grfFbL tyf ;f]af6 ag]sf] u/uxgf lkmtf{ lng x'g cg'/f]w ub{5f}+ . tf]lsPsf] cjlwleq tkl;n cg';f/sf]
aSof}tf shf{, Jofh / cGo kfpg' kg]{ /sd r"Qmf gu/]df shf{ ;'/If0fdf /x]sf] lwtf] b]xfo adf]lhd :yfg, ldlt
/ ;dodf 8fFs a9fa9¢f/f laqmL u/L lwtf] lnnfdL x'g] lbg;Ddsf] ;fFjf, Jofh / cGo vr{ ;d]t ;Dk"0f{ n]gf
/sd c;"n ul/g] Joxf]/f o;} ;"rgf¢f/f hfgsf/L u/fpFb5f} . ;fy} tkl;n cg';f/sf ;'grfFbL jf u/uxgf tkl;n
adf]lhdsf zt{x?sf] clwgdf /xL lwtf] lnnfd 8fFs a9fa9df ;xefuL eO{ ;sf/ ul/lng' x'g ;DalGwt ;a}sf]
hfgsf/Lsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 .
tkl;n
;DalGwt sfof{noM–
lnnfd x'g] :yfgM–
ldlt ===========;Ddsf] lwtf] lnnfd lwtf]
afa'÷ afh]÷
C0fLsf] C0fLsf] a'emfpg afFsL s"n shf{ x'g] ;'grfFbLsf] lnnfd
qm=;++ kltsf] ;;'/fsf]
gfd, y/ 7]ufgf /sd -;fFjf, Jofh / ljj/0f -;+Vof x'g] ldlt
gfd gfd
cGo kfpg' kg]{ /sd_ / tf}n_ / ;do

lwtf] lnnfd a9fa9sf zt{x?M

!_ lnnfd x'g] lbg C0fL jf C0fLsf] k|ltlglw pkl:yt x'g C0fLnfO{ kq k7fO{g] 5 . kq k|fKt gePdf klg o;}
;"rgfaf6 hfgsf/L ePsf] dflgg] 5 .
@_ lwtf] lnnfd laqmLaf6 ;Dk"0f{ /sd c;"npk/ gePdf cGo hfoh]yfaf6 ;d]t c;"npk/ ul/g]5 .
#_ lwtf]sf] ljj/0f o; sfof{nosf] ;"rgf kf6Ldf 6fF; ul/g]5 .
$_ lwtf] ;'/If0fdf /x]sf] ;'grfFbL jf u/uxgf h] h:tf] cj:yfdf 5 ;f]xL cj:yfdf ;sf/ ug'{ kg]{5 .
%_ lwtf] lnnfd tf]lsPsf] lbg labf k/]df To;sf] nuQ} sfof{no v'n]sf] lbg lnnfd a9fa9 x'g]5 .
^_ lnnfd a9fa9 ubf{ ub}{ gEofPdf To;sf] ef]lnkN6 -a}+s labf afx]s_ k'gM lnnfdL sfo{ x'g]5 .
&_ 8fFs a9fa9sf] sjf]n c+s ;b/ ug]{ jf gug]{ clwsf/ o; sfof{nodf ;'/lIft /xg]5 .
*_ lnnfd x'g] lwtf] lnnfd a9fa9 x'g] ;dodf g} x]g{ ;lsg]5 .
(_ lnnfddf ;a}eGbf a9L 8fFs jf]Ng]sf] gfpFdf lnnfd ;b/ ePdf sa"n u/]sf] /sdsf] slDtdf aL; k|ltzt
/sd tTsfn} bflvnf ug'{ kg]{5 . bflvnf ug'{kg]{ afFsL /sd ;f]xL lbgsf] $M)) ah]leq hDdf u/L ;Sg'
kg]{5 . bflvnf ug'{kg]{ afFsL /sd tf]lsPsf] ;doleq hDdf gu/]df bflvnf u/]sf] /sd hkmt ul/g] 5 .
!)_lnnfd laqmLsf] ;fdfg ;sf/ ug]{ k|fs[lts JolQm÷;+:yf÷kmd{÷sDkgLn] o:tf ;fdfg a'emL lnO{ ;s]kl5 pQm
;fdfg a}+sn] lkmtf{ lng] 5}g .
!!_ cGo hfgsf/L cfjZos ePdf o; sfof{nodf a'‰g ;lsg]5 .

312 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @^=(
lwtf] lnnfdL 8fFs a9fj9 d'r'Nsf
lnlvtd\ xfdL tkl;n adf]lhdsf dflg;x? cfu] ldlt @) . . sf]=============klqsfdf k|sflzt s[lif ljsf; a}+s
ln=========sfof{no === === == sf] lnnfd;DaGwL ;"rgf cg';f/ lhNnf ========= uf=kf=÷g=kf= ==============
jf8{ g+= ======= 6f]n÷ufpF ================= j:g] >L ===================================sf] ;f]xL ;"rgfdf pNn]v
ePsf]dWo] tkl;nsf] hfoh]yf ;"rgfdf g} tf]lsPsf] cfh ldlt ===================== sf] ==========ah]b]lv
=======;Dd s[lif ljsf; a}+s ln= =================== sfof{no ======================= df lnnfd a9fa9 x'Fbf
tkl;nsf] ljj/0fdf n]lvPsf] dflg;x?n] ljj/0f d} n]lvP adf]lhd /sddf lnnfd a9fa9 u/]sf] 7Ls 5, km/s
5}g egL of] lnnfdL d'r'Nsf ul/lbPsf 5f}+ .
lnnfd x'g] lwtf] ;'grfFbL dfn;fdfgsf] ljj/0f
qm=;+= dfn;fdfgsf] gfd cj:yf yfg tf}n -u|fd_
!
@
#
$
hDdf
z'? af]n]sf] a9bf k'u]sf] k'gM a9\bf
lnnfd af]Ng]sf] af]Ng]sf] ;xL ;xL
qm=;+= /sd c+s, /sd c+s, k'u]sf] /sd s}lkmot
gfdy/ / jtg ;xL 5fk 5fk 5fk
cIf/df cIf/df c+s, cIf/df
!
@
#
$
pk/f]Qm ljj/0fdf n]lvP adf]lhd lnnfd a9fa9 x'Fbf ;a}eGbf a9L df]n ?====================
-cIf]?kL=========================================dfq_ 7Ls 5 egL ;xL5fk ug]{ b]xfosf dflg;x?M–
-!_ lhNnf == g=kf=÷uf=kf= === j8f g+= j:g] jif{ sf]
>L === === === == == == == ==– !
-@_ lhNnf == g=kf=÷uf=kf= === j8f g+= j:g] jif{ sf]
>L === === === == == == == ==– !
-#_ lhNnf == g=kf=÷uf=kf= === j8f g+= j:g] jif{ sf]
>L === === === == == == == ==– !
-$_ lhNnf == g=kf=÷uf=kf= === j8f g+= j:g] jif{ sf]
>L === === === == == == == ==– !
-%_ lhNnf == g=kf=÷uf=kf= === j8f g+= j:g] jif{ sf]
>L === === === == == == == ==– !

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 313

 cg';"rL @^=(
;fIfL
-!_ ============sfof{no=========== sf ======== kbsf >L=== === == == == !
-@_ ============sfof{no=========== sf ======== kbsf >L=== === == == == !
-#_ ============sfof{no=========== sf ======== kbsf >L=== === == == == !
-$_ ================ sf == >L=== === == == == !
-%_ ================ sf == >L=== === == == == !
cGo pkl:yt JolQmx?
-!_ lhNnf == g=kf=÷uf=kf= === j8f g+= j:g] jif{ sf]
>L === === === == == == == == –!
-@_ lhNnf == g=kf=÷uf=kf= === j8f g+= j:g] jif{ sf]
>L === === == == == == == –!
-#_ lhNnf == g=kf=÷uf=kf= === j8f g+= j:g] jif{ sf]
>L === === === == == == == == –!
sfd tfd]n ug]{
-!_ s[lif ljsf; a}+s ln ======= sfof{no ======= sf ======= kbsf
>L == ===== === ======== ===== !

O{lt ;Djt\ == === ;fn == === dlxgf == === ut] /f]h === z'ed\ .

gf]6M
!= /f]xj/df /xg] ;fIfL, sfd tfd]n ug]{sf] gfpFsf] jfofFk§L b:tvt u/fpg' kg]{5 .
@= lnnfd a9fa9 7Ls 5 egL ;xL ug]{x?df pkl:yt eO{ af]Ng]x? / ToxfFleq pkl:yt ePsf c? JolQm @÷$
hgfsf] gfFp n]vL ;xL5fk u/fpg' kg]{5 . shf{ u|fxs / d~h"/Lgfdf lbg] eP lghx?n] rfx]df klg b:tvt
u/fpg' kg]{5 .
#= cnu–cnu lsl;dsf] lnnfd j]Unfj]Un} ug'{ k/]df cnu–cnu cg';"rLsf] k|of]u ug'{ kg]{5 .

314 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @^=!)
8fFs af]Ng]÷df]n lbg]n] /sd ga'emfPdf ul/g] d'r'Nsf

lnlvtd\ xfdL tkl;n adf]lhdsf dflg;x? cfu] ldlt === === === === sf] klqsfdf k|sflzt ;"rgf cg';f/
lhNnf =========== uf=kf=÷g=kf= ===== ======= === jf8{ g+= === lgjf;L >L === ==========================n]
a}+snfO{ n]lvlbg' ePsf] ;f]xL klqsfdf k|sflzt eP cg';f/ ;'grfFbL hfoh]yf lnnfd, ljqmL x'Fbf pkl:yt e}
8fFs af]Ng] df]n lbg] dWo] ljqmLdf ;a}eGbf a9L ?= ========= -cIf]?kL =============================_ df]n lbg] >L
==================== n] cfk"mn] af]n]sf] /sdsf] @) k|ltztn] jf k"/} /sd lnnfd ljqmL ;lsgf;fy w/f}6L afkt
/sd ga'emfPsf] 7Ls 5 egL of] d'r'Nsf ul/lbPsf 5f}+ .
tkl;n
-!_ lhNnf === g=kf=÷uf=kf= == j8f g+= j:g] jif{ sf] >L === === !
-@_ lhNnf === g=kf=÷uf=kf= == j8f g+= j:g] jif{ sf] >L === === !
-#_ lhNnf === g=kf=÷uf=kf= == j8f g+= j:g] jif{ sf] >L === === !
-$_ lhNnf === g=kf=÷uf=kf= == j8f g+= j:g] jif{ sf] >L === === !
-%_ lhNnf === g=kf=÷uf=kf= == j8f g+= j:g] jif{ sf] >L === === !
8fFs af]Ng]÷df]n lbg]
d}n] af]n] adf]lhdsf] /sd a'emfpg g;s]sf] 7Ls xf] egL b:tvt ug]{ === ===
-;a}eGbf a9L 8fFs af]Ng] _ >L === === === ===
7]ufgfM ====================== === !
-nuQ} bf]>f] /sd af]Ng] _ >L === === === ===
7]ufgfM ====================== === !
-nuQ} t]>f] /sd af]Ng] _ >L === === === ===
7]ufgfM ====================== === !
;fIfL
-!_ lhNnf k|zf;g sfof{no === sf == kbsf >L === === === !
-@_ dfnkf]t sfof{no === sf == kbsf >L === === === !
-#_ lhNnf k|x/L sfof{no === sf == kbsf >L === === === !

sfd tfd]n ug]{

-!_ s[lif ljsf; a}+s ln ======= sfof{no ======= sf ======= kbsf
>L ===== ===== = ===== ===== !

O{lt ;Djt\ == === ;fn == === dlxgf == === ut] /f]h === z'ed\ .

-gf]6M 8fFs af]Ng]n] b:tvt ug{ d~h"/ gu/]df ;f]xL Joxf]/f vf]nL of] d'r'Nsf ug{ ;lsg]5 ._

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 315

 cg';"rL @^=!!
ljifoM /sd tyf ;'grfFbL dfn;fdfg a'em]sf] e/kfO{ .

ldlt ==== === sf] ==== === b}lgs klqsfdf k|sflzt ;"rgf cg';f/ lhNnf =========
g=kf=÷uf=kf= ===== ===== jf8{ g+= == lgjf;L >L === = ========== n] === === lwtf] n]lvlbg'
ePsf] ;'grfFbL hfoh]yf cfh ldlt ========================df lnnfd÷ljqmL x'Fbf ;a}eGbf a9L /sd c+s
af]Ng]÷a9L /sd df]n lbg] qm]tf lhNnf === == g=kf=÷uf=kf= = ===== ==== === === jf8{ g+= === lgjf;L >L
=== = =========================== n] ?= ============. – cIf]?kL === === == _ df
;sf/]sf]n] lgh;Fu ;sf/]sf] /sd dWo] ?= ====================-cIf]?kL == === === === = _
a'lemlnO{ ;fdfg a'emfO{ of] e/kfO{ u/L lnof}+÷lbof}+ .

;fdfg a'emL /sd a'emfpg]sf] b:tvt M– ;fdfg a'emfO{ /sd j'em\g]sf] b:tvt M–
gfdy/M gfdy/M–
7]ufgfM kbM
Gff=k|=÷kl/rokq g+=M sf]8 g+=M

;fIfLM
!_ lhNnf === g=kf=÷uf=kf= === j8f g+= === 6f]n == j:g]
jif{ === sf] >L === === === .
@_ lhNnf === g=kf=÷uf=kf= === j8f g+= === 6f]n == j:g]
jif{ === sf] >L=== === === .

-gf]6M /sd a'emfO{ ;fdfg a'em\g]nfO{ Ps k|lt, n]vf / shf{ zfvfnfO{ Ps÷Ps k|lt lbg' kg]{5 . ;sf/ ug]{sf] k"0f{
kl/ro v'Ng] sfuhft lng' kg]{5 ._

316 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @&=!
ldltM ==============
>L k|aGwsHo",
s[lif ljsf; a}+s ln=
==============sfof{no ============== .

ljifoM 3/ laqmL ug{ d~h"/L ePsf] af/] .

dxf]bo,

pk/f]Qm ;DaGwdf d]/f]÷xfd|f] gfddf btf{ ePsf] tkl;n adf]lhdsf] hUufdf lgdf{0f ePsf] 3/ b]xfosf zt{
;'ljwfdf >L = = = = = = = = = = = =nfO{ laqmL ug{ /fhL ePsf] Joxf]/f cg'/f]w 5 .
!= pQm 3/hUufsf] laqmL x'g] d"No ?= = = = = = = =.–-cIf]?kL = = = = = == = _ dfq lgwf{/0f u/]sf] 5'÷5f}+ .
@= s[lif ljsf; a}+s ln=sf] shf{ ;xof]udf 3/ vl/b ug{] cj:yfdf d}n]÷xfdLn] ;DalGwt qm]tfnfO{ /fhLgfdf
kf; u/L lbPkl5 / ;DalGwt qm]tfn] s[lif ljsf; a}+s ln = ========= sfof{no=========sf] gfddf b[li6aGws
lnvt kf; u/L lbP kl5dfq 3/ laqmLsf] /sd e'QmfgL lng] s'/fdf ;xdt 5'÷5f}+ .
#= kl5 s'g} k|fljlws jf sfg"gL sf/0fn] d}n]÷xfdLn] lgh qm]tfnfO{ 3/hUuf /fhLgfdf kf; lbg g;s]df a}+s;Fu
s'g} lsl;dsf] /sd bfjL ug]{ 5}g÷5}gf}+ .
$= cGo s'/fx? a}+s / d]/f]÷xfd|f] ;+o'Qm ;xdltdf to ul/g] s'/fdf d]/f]÷xfd|f] k"0f{ d~h"/L 5 .

tkl;n
laqmL ug{ rfx]sf] 3/hUufsf] ljj/0fM
hUufsf] ljj/0f 3/sf] ljj/0f
qm= 3/
;+= hUufwgLsf] lhNnf g=kf÷ j8f ls= If]qkmn nDjfO{ rf}8fO{ prfO{ tnf df]x8f ag]sf]
gfd uf=kf= g+= g+=
aif{

ejbLo,

=============
b:tvtM
gfdM
7]ufgfM
;Dks{ g+=

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 317

 cg';r
" L @&=@

ldltM ==============

>L k|aGwsHo",
s[lif ljsf; a}+s ln=
==============sfof{no ============== .

ljifoM hUuf laqmL ug{ d~h"/L ePsf] af/] .

dxf]bo,

pk/f]Qm ;DaGwdf d]/f]÷xfd|f] gfddf btf{ sfod ePsf] tkl;n adf]lhdsf] hUuf b]xfosf zt{ ;'ljwfdf
============l:yt >L = = = = = = = = = = = =nfO{ laqmL ug{ /fhL ePsf] Joxf]/f cg'/f]w 5 .

!= pQm hUufsf] laqmL x'g] d"No ?= = = = = = = =.–-cIf]?kL = = = = = == = _ dfq lgwf{/0f u/]sf] 5'÷5f}+ .
@= s[lif ljsf; a}+s ln=sf] shf{ ;xof]udf hUuf vl/b ug{] cj:yfdf d}n]÷xfdLn] ;DalGwt qm]tfnfO{ /fhLgfdf
kf; u/L lbPkl5 / ;DalGwt qm]tfn] s[lif ljsf; a}+s ln = ========= sfof{no=========sf] gfddf b[li6aGws
lnvt kf; u/L lbPkl5dfq hUuf laqmLsf] /sd e'QmfgL lng] s'/fdf ;xdt 5'÷5f}+ .
#= kl5 s'g} k|fljlws jf sfg"gL sf/0fn] d}n]÷xfdLn] lgh qm]tfnfO{ hUuf /fhLgfdf kf; lbg g;s]df a}+s;Fu s'g}
lsl;dsf] /sd bfjL ug]{ 5}g÷5}gf}+ .
$= cGo s'/fx? a}+s / d]/f]÷xfd|f] ;+o'Qm ;xdltdf to ul/g] s'/fdf d]/f]÷xfd|f] k"0f{ d~h"/L 5 .

tkl;n
laqmL ug{ rfx]sf] hUufsf] ljj/0fM
qm=;+= hUufwgLsf] gfd lhNnf g=kf÷uf=kf= j8f g+= ls=g+= l;6 g+= If]qkmn

ejbLo,

================
b:tvtM
gfdM
7]ufgfM
;Dks{ g+=

318 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @&=#
s[lif ljsf; a}+s ln= kmf]g g+=M ============
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
ˆofS; g+=M =========
====================sfof{no======================
-shf{ sfo{ljlw @)&# sf] bkmf !# ;Fu ;DalGwt_

k=;+= ldltM =============

r=g+=

>L ==========================
============================= .

ljifoM ==================pknAw u/fpg] af/] .

dxf]bo,

pk/f]Qm ljifodf txfFaf6 sf]6]zg k]z ePadf]lhd =================l:yt==============-u|fxs_========

nfO{ =======================-v/Lb x'g] ;fdfg_ ================= pknAw u/fpg sf]6]zg cg';f/sf] /sd
?================.– dWo] o; a}+saf6 lgh u|fxssf] gfddf ?=================.– ===============zLif{sdf shf{
:jLs[t ePsf]n] km/s /sd ?================.–txfF k|fKt ePsf] /l;b ;lxtsf] kq / o; a}+ssf] gfddf pQm
-v/Lb x'g] ;fdfg_ sf] ;jf/L btf{ k|df0f kq -An" a's_ / gfd;f/L eO{ aLdf ;d]t x'Fbfsf] avt txfFnfO{
?=================.– e'QmfgL ul/g] x'Fbf lgh u|fxsnfO{ ================= -v/Lb x'g] ;fdfg_================ yfg
pknAw u/fO{ lbg'x'g cg'/f]w 5 .

af]wfy{M
===================
==================.

ejbLo,

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

k|aGws÷shf{ kmfF6 k|d'v

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 319

 cg';"rL @&=$
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ kmf]g g+=M ============
ˆofS; g+=M ============
====================sfof{no====================
-shf{ sfo{ljlw @)&# sf] bkmf !# ;Fu ;DalGwt_

k=;+= ldltM ====================

r=g+=

>L oftfoft Joj:yf ljefu÷sfof{no

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

ljifoM ;jf/L ;fwg gfd;f/L u/L lbg] af/] .

dxf]bo,
pk/f]Qm ;DaGwdf o; a}+saf6 ========= l:yt >L ===================nfO{ ================= zLif{sdf
shf{ :jLs[t u/L v/Lb u/]sf] lgDgfg';f/ ljj/0f ePsf] ;jf/L ;fwg o; a}+ssf] gfddf shf{ u|fxssf] gfd;d]t
v'Ng] u/L gfd;f/L u/L ;jf/L btf{ k|df0f kq -An" a's_ agfO{ o; a}+ssf] shf{ r'Qmf gx'Fbf;Dd /f]Ssf ;d]t ul/
lbg'x'g cg'/f]w 5 . pQm sfo{sf nflu lgDg b:tvt ePsf a}+ssf sd{rf/L >L ======================-sf]8 g+=
===========_ nfO{ o; a}+ssf] k|ltlglwsf] ?kdf v6fO{ k7fOPsf] Joxf]/f;d]t cg'/f]w ub{5f}+ .
tkl;n
qm=;+= ;jf/L ;fwgsf] uf8L g+= OlGhg r]l;; g+= df]8n g+= shf{ u|fxssf] gfd laqm]tfsf]
gfd g+= gfd

===========================================
a}+s k|ltlglwsf] b:tvt gd"gf
============================
k|aGws÷shf{ kmfF6 k|d'v

af]wfy{ M
===========-l8n/sf] gfd, 7]ufgf_=========
;jf/L ;fwg a}+ssf] gfddf kf; eO{;s]kl5 :jLs[t shf{ /sd ?==============.–e'QmfgL x'g]u/L shf{ u|fxsnfO{ ;f]
;jf/L ;fwg x:tfGt/0f ul/lbg' x'g . /sd e'QmfgL lng cfpFbf ;jf/Lsf] aLdfn]v a}+ssf] gfddf gfd;f/L ePsf]
lg:;f;d]t lnO{ cfpg' x'g .

320 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 6f]sg÷btf{ g+=/ ldltM ================ /lhi6«]zg g+= / ldltM ===============
cg';"rL @*=!

sfof{no ========== df ePsf] ;gfvt ;xL 5fk .

ldlt =============== ut]sf lbg dfnkf]t
@= ======================
!= ======================
;gfvt ;fIfLx?

lng] -a}+s_ sf]

a}+s k|ltlgwL
;xL5fk

jfofF
lbg] -C0fL_ sf]

bfofF
ljifoM lwtf] b[li6aGws -C0fL cfˆg} JolQmut_ /=g+======

lnlvtd\ wgLsf gfd sf7df08f} lhNnf sf7df08f} dxfgu/kflnsf j8f g+= =====
/fdzfxky, sf7df08f}df d'Vo sfof{no /x]sf] s[lif ljsf; a}+s lnld6]8sf] ==========l:yt
bfofFF

========== sfof{no ==================== -h;nfO{ o; pk|fGt wgL a}+s elgPsf] 5_

lnvt u/L lbg]sf gfd ========================sf] gftL÷gfltgL =======================sf]
5f]/f÷5f]/L÷a'xf/L =====================sf] klt÷kTgL :yfoL 7]ufgf ====================
jfofF

lhNnf, ================g=kf=÷uf=kf= j8f g+=====, eO{ xfn ============= lhNnf,

================g=kf=÷uf=kf= j8f g+= ===== a:g] jif{ ====-gf=k|=g+===============ldlt
===============, lhNnf=======_ sf]===================== -h;nfO{ o; pk|fGt C0fL elgPsf]
5_ n] cfˆgf] JolQmut jf Joj;flos k|of]hgsf nflu tkfO{+ wgL a}+s;Fu C0f shf{ tyf
a+}lsË ;'ljwfx? pknAw u/fO{ lbg d C0fLn] u/]sf] cfj]bg cg';f/ tkfO{+ wgL a}+sn]
hf/L u/]sf] ldlt =========================sf] C0f :jLs[lt kq cg';f/ k|fKt ug{ nfu]sf]
================== zLif{ssf] shf{ ?==================-cIf]?kL ==================dfq_ of]
C0f shf{ tyf d C0fLsf] cg'/f]wdf eljiodf d÷xfdL C0fLn] tkfO{+ wgL a}+saf6 yk C0f
3=
2=

1=

;fIfLx?M

shf{ tyf a}+lsË ;'ljwfx? k|fKt u/]df ;f] k|of]hg ;d]tsf nflu of] lwtf] aGwssf] lnvt
u/L lbPsf] 7Ls ;f“rf] xf] . pk/f]Qm adf]lhdsf] C0f shf{ tyf a}+lsË ;'ljwfx? d C0fLsf]
cfjZostf cg';f/ ;do ;dodf gjLs/0f ePdf ;f] gjLs/0f ePsf] cjlw;Dd / eljiodf
d C0fLn] tkfO{+ wgL a}+saf6 yk C0f shf{ tyf a+}lsË ;'ljwfx? k|fKt u/]df ;f] a+}lsË
;'ljwfx? ;d]tsf] ;'/If0f afkt sfod /xg] u/L d C0fLsf] gfdsf] crn ;DklQ, 3/hUuf
tkfO{+ wgL a}+ssf] gfddf lwtf] aGws n]lvlbg d~h"/ ePsf]n] d C0fLn] k|fKt u/]sf] pk/f]Qm
adf]lhdsf] C0f shf{ tyf a}+lsË ;'ljwfx? / eljiodf ;d]t lwtf]n] vfd];Ddsf] k|fKt ug{
;Sg] yk C0f shf{ tyf a}+lsË ;'ljwfx? ;d]t / d C0fLnfO{ :jLs[t shf{ ;Ldf sfod
u/L ;f]xL shf{ ;Ldf dWo]af6 d C0fLsf] clVtof/L k|fKt u/L d C0fL ;d]tsf] cg'/f]wdf
s'g} klg t]>f] kIfnfO{ tkfO{+ wgL a}+sn] hdfgt jf a}+lsË ;'ljwfx? Ps k6s jf k6s

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 321

 cg';"rL @*=!
k6s u/L pknAw u/fPdf d÷xfdL C0fLn] lnPsf] shf{, hdfgt tyf a}+lsË ;'ljwf /
d]/f]÷xfd|f] lwtf]df t]>f] kIfsf xsdf pknAw u/fPsf] C0f bfloTj afkt ltg{' a'emfpg' kg]{
;fFjf, Jofh tyf ;Dk"0f{ bfloTj r'Qmf e'QmfgL gul/ lbpGh]n;Dd ;'/If0f sfod /xg] u/L d]/f]
gfddf dfnkf]t sfof{no============df Psnf}6L btf{ sfod ePsf] o; cl3 cGoq slx
st} c? s;}nfO{ s'g} lsl;dn] xs x:tfGt/0f jf ef]u b[li6aGws jf lnhdf ;d]t s'g}
s]xL Joxf]/fn] n]lv glbPsf] d]/f]÷xfd|f] lghL xsef]usf] tkl;ndf pNn]lvt tkfO{+ wgL
a}+ssf sd{rf/L÷;"rLs[t lwtf] d"Nof+sgstf{sf] d"Nof+sg k|ltj]bgdf pNn]v ePcg';f/sf]
d"Nof+sg ?=====================. -cIf]?kL ============================= dfq._ sfod ePsf]
3/hUuf tyf ;f]df eljiodf s'g} yk lgdf{0f sfo{x? ePdf ;f] ;d]t ;Dk"0f{ lnunufkft
;d]t o;} lnvtaf6 tkfO{+ wgL a}+ssf] gfddf lwtf] b[li6aGws lnvt kf; ul/lbPF . of]
b[li6aGwssf] lnvt / o; lnvt;Fu ;DalGwt a}+sdf eP u/]sf, td;'s, d~h"/Lgfdf
nufotsf sfuhftdf ePsf zt{ ;'ljwf o; lnvtsf] cleGg c+u dfgL kfngf ug{ d C0fL
d~h"/ ub{5' . d÷xfdL C0fLn] tkfO{+ wgL a}+saf6 k|fKt u/]sf] jf eljiodf k|fKt ug]{;d]t C0f
shf{ tyf a+}lsË ;'ljwf afkt tkfO{+ wgL a}+snfO{ ltg{' a'emfpg' kg]{ ;fFjf, Jofh, yk Jofh,
kmL, sldzg, z'Ns cflb b} b:t'/ C0f :jLs[t kq cg';f/ / tkfO{+ wgL a}+sn] pQm shf{
;'ljwf gjLs/0f u/L lbPsf] cj:yfdf ;f]xL adf]lhd pQm shf{ tyf a+}lsË ;'ljwfx?sf]
nflu a}+sdf ul/lbPsf] td;'s jf cGo s'g} lsl;dsf] lnvtdf pNn]lvt efvfleq ;Dk"0f{
shf{ tyf a}+lsË ;'ljwf afktsf] /sd r'Qmf e'QmfgL ul/ ;Sg]5'÷;Sg]5f}+ . d C0fLsf] gfddf
tkfO{+ wgL a}+sn] hf/L u/]sf] shf{ :jLs[t kqfg';f/ tyf d C0fL / tkfO{+ wgL a}+saLr ePsf]
tyf eljiodf x'g] ;d]t C0f shf{ ;DaGwL zt{ aGb]hx? adf]lhd ;do ;dodf tyf ls:tf
ls:tfdf jf dfu ugf{;fy C0f shf{sf] ;fFjf, Jofh glt/] ga'emfPdf jf ltg{ a'emfpg O{Gsf/
u/L Dofbleq r'Qmf e'QmfgL gu/]df jf C0f shf{ b'?kof]u u/]df jf C0f shf{ ;DaGwL zt{
aGb]hx? pNn+3g u/]df lwtf] n]lvlbPsf] tkl;n adf]lhdsf] 3/hUuf / ;f]xL hUufdf ag]sf]
tyf kl5 aGg], yKg] 3/ 6x/f, Uof/]h, sDkfp08jfn;d]t lnunufkft o;} lwtf] b[li6aGws
;DaGwL lnvt / k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL P]g, k|rlnt g]kfn sfg"g tyf
a}+ssf] shf{ c;"nL ;DaGwL ljlgod sfo{ljlw cg';f/ lnnfd laqmL jf cGo s'g} Joj:yf
u/L tkfO{+ wgL a}+ssf] n]gf /sd afFsL ;fFjf, Jofh, xh{gf Jofh, C0f c;"npk/ ug]{
;DaGwdf ePsf] vr{, sfg"gL vr{ nufotsf] ;Dk"0f{ n]gf c;"npk/ u/L lng' xf]nf . ;f]
adf]lhd n]gf /sd c;"npk/ gePdf tkfO{+ wgL a}+sn] d÷xfdL C0fL pk/ a}+s tyf ljQLo
;+:yfsf] C0f c;"npk/ ul/lng] ;DaGwL k|rlnt g]kfn sfg"g adf]lhd sf/jfxL u/]df;d]t
d÷xfdL lwtf] n]lvlbg] tyf C0fLsf] k"0f{ d~h"/L 5 . lwtf] n]lvlbPsf] ;DklQsf] d"No 36\\g
uPdf csf]{ yk lwtf] /fvL lbg d]/f] k"0f{ d~h"/L 5 lwtf] n]lvlbPsf] ;DklQ sRrf 7x/L
lnnfd laqmL x'g g;sL tkfO{+ wgL a}+ssf] n]gf /sd c;"npk/ geO{ afFsL /xg cfPdf
;Dk"0f{ n]gf /sd d]/f]÷xfd|f] tyf d]/f]÷xfd|f] Psf3/ kl/jf/sf gfddf /x]sf] cGo rn crn
hfoh]yf ;d]tsf] ;DklQaf6 c;"npk/ u/L lng'xf]nf . kl5 slx+ st} ph'/jfh'/ ug]{ 5}g
egL of] lnvtsf] cBf]kfGt k9L jfrL ;'gL o;sf] dtnj / kl/0ffd ;d]t a'emL d]/f]÷xfd|f]
dgf]dfgL /fhLv'zLn] lsgf/fsf ;fIfLx?sf] /f]xj/df tkfO{+ wgL a}+ssf] k|ltlgwLsf] /f]xj/df
dfnkf]t sfof{no==============df a;L of] lwtf] aGwssf] lnvtdf ;xL5fk u/L tkfO{+ wgL

322 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @*=@
s[lif ljsf; a}+s lnld6]8 ========sfof{no ==============nfO{ lbPF . o;df n]lvPsf] Joxf]/f
7Ls ;fFrf] 5, em'¶f Joxf]/f n]vL n]vfO{ C0f lnP lbnfPsf] 7x/] sfg"g adf]lhd ;x'Fnf
a'emfFpnf .

tkl;n
!= hUufsf] ljj/0fM

Uff=kf=÷ j8f l;6 hUufwgLsf] ls=

lhNnf rf/lsNnf If]qkmn
g=kf= g+= g+ gfd g+=

@= 3/sf] ljj/0fM
======================sf] xsef]usf] ===============lhNnf================ uf=kf=÷g=kf=
j8f g+= ==== ls=g+ ============== If]qkmn ===============df ag]sf]÷lgdf{0f x'g]
k"j{======== klZrd====== pQ/ ============== blIf0f============sf] ==========df]x8f ePsf]
============tnf ======== nDjfO{====== rf}8fO{============prfO{ ========5fgf ePsf]
kSsL÷sRrL 3/÷uf]7÷vf]/ / ;f]n] rr]{sf]÷rlr{g] hUuf ;d]tsf] lnunufkft ;d]t .

O{lt ;Djt\ ======= ;fn ==========dlxgf =======ut] ======/f]h ======z'ed\ .

k|df0f sfuhM
!= dfnkf]t lt/]sf] /l;b bfofF jfofF

@= hUufwgL btf{ k|df0fk'hf{

#= lwtf]wgLsf] gfd============================== gf=k|=g+= ===============================
ldlt =========================== lhNnf======================= .
] 388

388
;+rfns ;ldltsf] ldlt @)&%.)&.)^ sf] lg0f{on] ;fljs @*=!, @*=@, @*=#, @*=$ nfO{ x6fO{ o; cg';'rL @*=! agfOPsf]df ;+rfns
;ldltsf] ldlt @)&%.)*.!^ sf] t];|f] ;+;f]wg cg';f/ ;flassf cg';'rL oyfjt sfod ul/ gofF cg';'rLnfO{ @*=!$ agfOPsf]
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 323
 cg';"rL

sfof{no ========== df ePsf] ;gfvt ;xL 5fk .

ldlt =============== ut]sf lbg dfnkf]t
@= ======================
!= ======================
;gfvt ;fIfLx?

lng] -a}+s_ sf]

a}+s k|ltlgwL
;xL5fk

jfofF
lbg] -C0fL_ sf]

bfofF
ljifoM lwtf] b[li6aGws -sDkgLsf] ;DklQ sDkgLsf nflu_ /=g+================

lnlvtd\ wgLsf gfd sf7df08f} lhNnf sf7df08f} dxfgu/kflnsf j8f g+= ======
/fdzfxky, sf7df08f}df d'Vo sfof{no /x]sf] s[lif ljsf; a}+s lnld6]8sf] ==========l:yt
bfofF

===========sfof{no ========= -h;nfO{ o; pk|fGt wgL a}+s elgPsf] 5_ lnvt u/L lbg]sf
gfd ========================sf] gftL÷gfltgL =======================sf] 5f]/f÷5f]/L÷a'xf/L
=============sf] kTgL :yfoL 7]ufgf ==================== lhNnf, ================g=kf=÷uf=kf=
jfofF

j8f g+=====, eO{ xfn ============= lhNnf, ================g=kf=÷uf=kf= j8f g+= =====
a:g] jif{ =========-gf=k|=g+===============ldlt ===============, lhNnf=======_ sf]
>L=========================== -h;nfO{ o; pk|fGt k|f]k|fO{6/÷;+rfns÷clVtof/ k|fKt
elgPsf] 5_ cfu] d lnvt ul/lbg]sf] gfddf k|fO{e]6 kmd{ /lhi6]«zg P]g÷;fem]bf/L P]g÷sDkgL
P]g=======adf]lhd ldlt ============ df g]kfn ;/sf/, =========== dGqfno, ================
ljefu, =============sfof{no, ============df btf{ g+= ========÷============cGtu{t btf{
3=
2=

1=

;fIfLx?M

ePsf] ============= lhNnf, ==========g=kf÷uf=kf= j8f g+= ===== df :yfoL /lhi68{ 7]ufgf
/x]sf] ========================kmd{÷sDkgL÷kmd{÷;+:yf-h;nfO{ o; pk|fGt C0fL elgPsf]
5_ n] pBf]u, Jofkf/, Joj;fo ;+rfng ug{, a[l4 tyf lj:tf/ k|of]hgsf nflu tkfO{+ wgL
a}+s;Fu C0f shf{ tyf a}+lsË ;'ljwfx? pknAw u/fO{ lbg C0fL kmd{÷sDkgL÷;+:yfn]
u/]sf] cfj]bg cg';f/ tkfO{+ wgL a}+sn] hf/L u/]sf] ldlt ==============sf] C0f :jLs[lt
kq cg';f/ shf{ tyf a}+lsË ;'ljwf k|fKt ug{ xfdL C0fL sDkgLsf gfdsf] tklzn
adf]lhdsf] lwtf] ;'/If0f afkt /xg] u/L xfdL C0fL sDkgLnfO{ ============== zLif{ssf]
shf{ ?================.– -cIf]?kL ==================dfq_ sf] shf{ tyf a+}lsË ;'ljwfsf]
;'/If0f afkt of] lwtf] b[li6aGwssf] lnvt u/L lbPsf] 7Ls ;f“rf] xf] . pk/f]Qm adf]lhdsf]
C0f shf{ tyf a}+lsË ;'ljwfx? C0fL kmd{÷sDkgL÷;+:yfsf] cfjZostf cg';f/ ;do

324 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @*=@
;dodf gjLs/0f ePdf ;f] gjLs/0f ePsf] cjlw;Dd / eljiodf C0fL kmd{÷sDkgLn]
tkfO{+ wgL a}+saf6 ;f]sf] cnfjf yk C0f shf{ tyf a+}lsË ;'ljwfx? k|fKt u/]df ;f] a+}lsË
;'ljwfx? ;d]tsf] ;'/If0f afkt sfod /xg] u/L C0fL kmd{÷sDkgLsf] gfdsf] crn ;DklQ
3/hUuf tkfO{+ wgL a}+ssf] gfddf lwtf] aGws n]lvlbg C0fL kmd{÷sDkgLn] lnPsf] C0f
shf{ hdfgt tyf a}+lsË ;'ljwfx? d]/f]÷xfd|f] lwtf]n] vfd];Ddsf] k|fKt ug{ ;Sg] yk shf{
tyf a}+lsË ;'ljwfx? ;d]t / C0fLnfO{ :jLs[t shf{ ;Ldf sfod u/L ;f] ;Ldf dWo]af6
C0fLsf] clVtof/L k|fKt u/L C0fL ;d]tsf] cg'/f]wdf s'g} klg t]>f] kIfnfO{ tkfO{+ wgL a}+sn]
hdfgt jf a+}lsË ;'ljwfx? Ps k6s jf k6s k6s u/L pknAw u/fPdf C0fLn] lnPsf]
shf{ hdfgt tyf a+}lsË ;'ljwf / C0fLsf] lwtf]df t]>f] kIfsf] xsdf pknAw u/fO{Psf]
C0f shf{ bfloTj afkt ltg{' a'emfpg' kg]{ ;fFjf, Jofh tyf ;Dk"0f{ bfloTj r'Qmf e'QmfgL
gul/lbpGh]n;Ddsf] nflu ;d]t lwtf] ;'/If0f sfod /xg] u/L C0fL kmd{÷sDkgL÷;+:yfsf]
gfddf dfnkf]t sfof{no============df C0fLsf] Psnf}6L btf{ sfod ePsf] o; cl3 cGoq
slx st} c? s;}nfO{ s'g} klg Joxf]/fn] xs x:tfGt/0f jf ef]u b[li6aGws jf lnhdf ;d]t
s'g} Joxf]/fn] s]xL n]lvglbPsf] C0fLsf] lghL xsef]usf] tklzndf pNn]lvt lwtf] tkfO{+
wgL a}+ssf sd{rf/L÷;"rLs[t lwtf] d"Nof+sgstf{sf] d"Nof+sg k|ltj]bg / ;f] k|ltj]bgnfO{
df pNn]v ePcg';f/sf] d"Nof+sg /sd ?============= ==== -cIf]?kL ======================
=========_ sfod ePsf] 3/hUuf tyf ;f]df eljiodf s'g} yk lgdf{0f sfo{x? ePdf ;f] ;d]t
;Dk"0f{ lnunufkft o;} lnvtaf6 tkfO{+ wgL a}+ssf] gfddf lwtf] b[li6aGws n]lvlbof} . of]
lwtf] b[li6aGwssf] lnvt / o; lnvt;Fu ;DalGwt a}+sdf eP u/]sf td;'s d~h"/Lgfdf
nufotsf sfuhftdf ePsf zt{ ;'ljwf o; lnvtsf] cleGg c+u dfgL kfngf ug{ C0fL
d~h"/ ub{5'÷ub{5f} . C0fLn] tkfO{+ wgL a}+saf6 k|fKt u/]sf jf eljiodf ;d]t k|fKt ug]{ C0f
shf{ tyf a}+lsË ;'ljwf afkt tkfO{+ wgL a}+snfO{ ltg{' a'emfpg' kg]{ ;fFjf, Jofh, yk Jofh,
kmL, sldzg z'Ns cflb b} b:t'/ C0f :jLs[t kq cg';f/ / tkfO{+ wgL a}+sn] pQm shf{
;'ljwf gjLs/0f u/L lbPsf] cj:yfdf ;f]xL adf]lhd pQm shf{ tyf a}+lsË ;'ljwfx?sf
nflu a}+sdf ul/lbPsf] td;'s jf cGo s'g} lsl;dsf] lnvtdf pNn]lvt efvfleq ;Dk"0f{
shf{ tyf a+}lsË ;'ljwf afktsf] /sd r'Qmf e'QmfgL u/L ;Sg]5'÷;Sg]5f}+ . C0fLsf] gfddf
gfddf tkfO{+ wgL a}+sn] hf/L u/]sf] shf{ :jLs[lt kqfg';f/ tyf C0fL / tkfO{+ wgL a}+saLr
ePsf] tyf eljiodf x'g] C0f shf{ ;DaGwL cGo zt{ aGb]hx? adf]lhd ;do ;dodf
jf ls:tf ls:tfdf jf dfu ugf{;fy C0f shf{sf] ;fFjf, Jofh glt/] ga'emfPdf jf ltg{
a'emfpg O{Gsf/ u/L jf Dofbleq r'Qmf e'QmfgL gu/]df jf C0f shf{ b'?kof]u u/]df jf C0f
shf{ ;DaGwL zt{ aGb]hx? pNn+3g u/]df lwtf] n]lvlbPsf] tkl;n adf]lhdsf] 3/hUuf /
;f]xL hUufdf ag]sf] tyf kl5 aGg], yKg] 3/ 6x/f, Uof/]h, sDkfp08jfn ;d]t lnunufkft
o;} lwtf] b[li6aGws ;DaGwL lnvt / k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL P]g tyf
k|rlnt g]kfn sfg"g tyf tkfO{+ wgL a}+ssf] shf{ c;"nL ljlgod tyf sfo{ljlw cg';f/
lnnfd laqmL jf cGo Joj:yf u/L n]gf afFsL ;fFjf, Jofh, xh{gf Jofh, C0f c;"npk/
ug]{ ;DaGwdf ePsf] vr{, sfg"gL vr{ nufotsf] ;Dk"0f{ n]gf c;"npk/ u/L lng'xf]nf . ;f]
adf]lhd n]gf /sd c;"npk/ gePdf tkfO{+ wgL a}+sn] C0fL pk/ a}+s tyf ljQLo ;+:yfsf]
C0f c;"npk/ ul/lng] ;DaGwL k|rlnt g]kfn sfg"g adf]lhd sf/jfxL u/]df ;d]t lwtf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, 325

 cg';"rL @*=@2

n]lvlbg] C0fL sDkgL÷kmd{÷;+:yfsf] k"0f{ d~h"/L 5 . C0fLn] lwtf] n]lvlbPsf] ;DklQsf]

d"No 36\\g uPdf ;d]t sDkgL÷kmd{÷;+:yfsf gfpFsf] jf C0fLsf k|f]k|fO{6/÷;fem]bf/
x?÷;+rfns cWoIf÷sfo{sf/L ;+rfns÷;+rfns csf]{ yk lwtf] /fvL lbg d]/f]÷xfd|f] k"0f{
d~h"/L 5 . lwtf] n]lvlbPsf] ;DklQ sRrf 7x/L lnnfd laqmL x'g g;sL tkfO{+ wgL a}+ssf]
n]gf /sd c;"npk/ geO{ afFsL /xg cfPdf sDkgLsf] gfddf /x]sf] cGo cGo rn crn
hfoh]yf ;d]taf6 c;"npk/ u/L lng'xf]nf . ;f]af6 gk'u ePdf d}n] a}+snfO{ ul/lbPsf]
JolQmut hdfgt ;d]tsf cfwf/df d]/f xssf] rn crn ;Dkltaf6 c;"npk/ u/L lng'
xf]nf . kl5 slx st} ph'/ afh'/ ug]{ 5}g÷5}gf}+ egL of] lnvtsf] cBf]kfGt k9L jfrL ;'gL
o;sf] dtnj / kl/0ffd ;d]t a'emL d]/f] dgf]dfgL /fhLv'zLn] lsgf/fsf ;fIfLx?sf] /f]xj/df
tkfO{+ wgL a}+ssf] k|ltlgwLsf] /f]xj/df dfnkf]t sfof{no==============df a;L of] lwtf]
b[li6aGwssf] lnvtdf ;xL5fk u/L tkfO{+ wgL s[lif ljsf; a}+s lnld6]8 ========sfof{no
==============nfO{ lbPF÷lbof}+ . o;df n]lvPsf] Joxf]/f 7Ls ;fFrf] 5, em'¶f Joxf]/f n]vL
n]vfO{ C0f lnP lbnfPsf] 7x/] sfg"g adf]lhd ;x'Fnf a'emfFpnf .
tkl;n
!= hUufsf] ljj/0fM
Uff=lj=;=÷ j8f l;6 hUufwgLsf]
lhNnf rf/lsNnf ls=g+= If]qkmn s}lkmot
g=kf= g+= g+= gfd

@= 3/sf] ljj/0fM
======================sf] xsef]usf] ===============lhNnf================ uf=kf=÷g=kf=
j8f g+= ==== ls=g+ ============== If]qkmn ===============df ag]sf]÷lgdf{0f x'g]
k"j{======== klZrd====== pQ/ ============== blIf0f============sf] ==========df]x8f ePsf]
============tnf ======== nDjfO{====== rf}8fO{============prfO{ ========5fgf ePsf]
kSsL÷sRrL 3/÷uf]7÷vf]/ / ;f]n] rr]{sf]÷rlr{g] hUuf ;d]tsf] lnunufkft ;d]t .
O{lt ;Djt\ ====== ;fn ========dlxgf =======ut] ======/f]h ======z'ed\ .

k|df0f sfuhM
!= dfnkf]t lt/]sf] /l;b bfofF jfofF
@= hUufwgL btf{ k|df0fk'hf{
#= lwtf]wgLsf] gfd======================== gf=k|=g+= ==========================
ldlt============== lhNnf============.] 389
389
;+rfns ;ldltsf] ldlt @)&%.)&.)^ sf] lg0f{on] ;fljs @*=!, @*=@, @*=#, @*=$ nfO{ x6fO{ o; cg';'rL @*=! agfOPsf]df ;+rfns ;ldltsf] ldlt
@)&%.)*.!^ sf] t];|f] ;+;f]wg cg';f/ ;flassf cg';'rL oyfjt sfod ul/ gofF cg';'rLnfO{ @*=!$ agfOPsf]

326 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL

sfof{no ========== df ePsf] ;gfvt ;xL 5fk .

ldlt =============== ut]sf lbg dfnkf]t
@= ======================
!= ======================
;gfvt ;fIfLx?

lng] -a}+s_ sf]

a+}s k|ltlgwL
;xL5fk

jfofF
lbg] -C0fL_ sf]

bfofF
ljifoM lwtf] b[li6aGws -JolQmsf] d~h"/gfdfaf6 JolQmnfO{_
lnlvtd\ wgLsf gfd sf7df08f} lhNnf sf7df08f} dxfgu/kflnsf j8f g+= ====== /fdzfxky,
sf7df08f}df d'Vo sfof{no /x]sf] s[lif ljsf; a}+s lnld6]8sf] ========== sfof{no
bfofF

=========-h;nfO{ o; pk|fGt wgL a}+s elgPsf] 5_ lnvt u/L lbg]sf] gfd ========================
sf] gftL÷gfltgL =======================sf] 5f]/f÷5f]/L÷a'xf/L =====================sf]
klt÷kTgL :yfoL 7]ufgf ==================== lhNnf, ================g=kf=÷uf=kf=
jfofF

j8f g+=====, eO{ xfn ============= lhNnf, ================g=kf=÷uf=kf= j8f g+= ===== a:g]
jif{ ==== -gf=k|=g+===============ldlt===============, lhNnf=======_ sf] >L =======================
-h;nfO{ o; pk|fGt lwtf] b[li6aGws ul/lbg] elgPsf] 5_ cfu] C0fLsf] gfd ======================
sf] gftL÷gfltgL =======================sf] 5f]/f÷5f]/L÷a'xf/L =====================sf]
klt÷kTgL :yfoL 7]ufgf ==================== lhNnf, ================g=kf=÷uf=kf=
j8f g+=====, eO{ xfn ============= lhNnf, ================g=kf=÷uf=kf= j8f g+= ===== a:g] jif{
=========-gf=k|=g+===============ldlt ==============, lhNnf=======_ sf] >L =======================
=============-h;nfO{ o; pk|fGt C0fL elgPsf] 5_ n] cfˆgf] JolQmut÷Joj;fo ;+rfng, j[l4
3=
2=
1=
;fIfLx?M

tyf lj:tf/ k|of]hgsf nflu tkfO{+ wgL a}+s;Fu C0f shf{ tyf a+}lsË ;'ljwfx? pknAw u/fO{
lbg u/]sf] cfj]bg cg';f/ tkfO{+ wgL a}+sn] hf/L u/]sf] ldlt =========================sf] C0f
:jLs[t kqfg';f/ k|fKt ug{ lwtf] b[li6aGws n]lvlbPsf] d÷xfd|f gfdsf] tklzn adf]lhdsf]
lwtf] ;'/If0f afkt /xg] u/L C0fLnfO{ ================= zLif{ssf] ?=================== -cIf]?kL
==================dfq_ sf] shf{ tyf a}+lsË ;'ljwf k|fKt ug{sf nflu lwtf] b[li6aGwssf] lnvt
u/L lbPsf] 7Ls ;f“rf] xf] . d]/f]÷xfd|f] lwtf]af6 C0fLn] C0f shf{ tyf a}+lsË ;'ljwfx? C0fLsf]
cfjZostf cg';f/ ;do ;dodf gjLs/0f ePdf ;f] gjLs/0f ePsf] cjlw;Dd / eljiodf
C0fLn] tkfO{+ wgL a}+saf6 d]/f] :jLs[lt lnO{ yk C0f shf{ tyf a+}lsË ;'ljwfx? k|fKt u/]df
;f] a+}lsË ;'ljwfx? ;d]tsf] nflu ;'/If0f afkt sfod /xg] u/L d lwtf] b[li6aGws n]lv lbg]
d~h"/gfdfjfnfsf] gfdsf] crn ;DklQ, 3/hUuf tkfO{+ wgL a}+ssf] gfddf lwtf] b[li6aGws n]lv

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 327

 cg';"rL @*=#
lbg d~h"/ ePsf]n] C0fLn] k|fKt u/]sf] pk/f]Qm adf]lhdsf] C0f shf{ tyf a}+lsË ;'ljwfx? /
eljiodf ;d]t lwtf]n] vfd];Dd k|fKt ug{ ;Sg] yk C0f shf{ tyf a}+lsË ;'ljwfx? ;d]t /
C0fLnfO{ :jLs[t shf{sf] ;Ldf sfod u/L ;f]xL shf{ ;Ldf dWo]af6 d]/f] clVtof/L k|fKt u/L C0fL
;d]tsf] cg'/f]wdf s'g} klg t]>f] kIfnfO{ tkfO{+ wgL a}+sn] hdfgt jf a+}lsË ;'ljwfx? Ps k6s
jf k6s k6s u/L pknAw u/fPdf C0fLn] lnPsf] shf{, hdfgt tyf a}+lsË ;'ljwf / d]/f] lwtf]df
t]>f] kIfsf xsdf pknAw u/fO{Psf] C0f bfloTj ;'ljwf afkt C0fLsf] tkm{af6 ltg{' a'emfpg' kg]{
;fFjf, Jofh tyf ;Dk"0f{ bfloTj r'Qmf e'QmfgL gul/ lbpGh]n;Ddsf] nflu ;d]t ;'/If0f sfod /xg]
u/L d]/f] gfddf dfnkf]t sfof{no, =========== df d]/f]÷xfd|f] Psnf}6L btf{ sfod ePsf] o; cl3
cGoq slx st} c? s;}nfO{ s'g} Joxf]/fn] xs x:tfGt/0f jf ef]uaGws÷b[li6aGws jf lnhdf
;d]t s'g} s]xL u/L n]lv glbPsf] d]/f] xfd|f] lghL xs ef]usf] tklzn adf]lhdsf] lwtf] tkfO{+ wgL
a}+ssf sd{rf/L÷;"rLs[t lwtf] d"Nof+sgstf{sf] k|ltj]bg tkfO{+ wgL a}+sn] ;f] nfO{ :jLs[t u/]
cg';f/sf] d"Nof+sg /sd ?===================== -cIf]?kL ==============================_ sfod
ePsf] 3/ hUuf tyf ;f]df eljiodf s'g} yk lgdf{0f sfo{x? ePdf ;f] ;d]t ;Dk"0f{ lnunufkft
;d]t lwtf] ;'/If0f /xg] u/L d cfkm} dfnkf]t sfof{no =========== df pkl:yt eO{ o;} lnvtaf6
tkfO{+ wgL a}+ssf] gfddf lwtf] b[li6aGws ul/lbPF÷ul/lbof}+ . of] b[li6aGwssf] lnvt / o;
lnvt;Fu ;DalGwt a}+sdf eP u/]sf td;'s d~h"/gfdf nufotsf sfuhftdf ePsf zt{
;'ljwfx? o; lnvtsf] cleGg c+u dfgL kfngf ug{ d~h"/ ub{5' . C0fLn] tkfO{+ wgL a}+saf6
k|fKt u/]sf] jf eljiodf ;d]t k|fKt ug]{ C0f shf{ tyf a}+lsË ;'ljwf afkt tkfO{+ wgL a}+snfO{
ltg'{ a'emfpg' kg]{ ;fFjf, Jofh, yk Jofh, lkm, sld;g, z'Ns cflb b} b:t'/ C0f :jLs[t kqfg';f/
/ tkfO+{ wgL a}+sn] pQm shf{ gjLs/0f u/L lbPsf] cj:yfdf ;f]xL adf]lhd pQm shf{ tyf a}+lsË
;'ljwfx?sf] nflu C0fLn] a}+sdf ul/lbPsf] td;'s jf cGo s'g} lsl;dsf] lnvtdf pNn]lvt
efvfleq ;Dk"0f{ shf{ tyf a}+lsË ;'ljwf afktsf] /sd e'QmfgL ug{ nufpg] 5'÷5f}+ . C0fLsf]
gfddf tkfO{+ wgL a}+sn] hf/L u/]sf] shf{ :jLs[t kqfg';f/ tyf C0fL / tkfO{+ wgL a}+saLr ePsf]
tyf eljiodf ;d]t x'g] C0f shf{ ;DaGwL zt{ aGb]hx? adf]lhd ;do ;dodf tyf ls:tf
ls:tfdf jf dfu ugf{;fy C0f shf{sf] ;fFjf, Jofh glt/] ga'emfPdf jf ltg{ a'emfpg O{Gsf/ u/]df
d cfkm}n] cfˆg} tkm{af6 a'emfpg' kg]{ egL a}+sn] eg]sf] ;doleq dfUgf;fy r'Qmf u/L a'emfpg]5' .
C0fLn] ltg'{ a'emfpg' kg]{ /sd ;doleq jf dfUgf;fy ga'emfO{ cfn6fn u/]df jf ls:tf lvnflkm
u/]df jf Dofbleq r'Qmf e'QmfgL gu/]df jf C0fLn] C0f shf{ b'?kof]u u/]df jf C0f shf{ ;DaGwL
zt{ aGb]hx? pNn+3g u/]df d}n]÷xfdLn] lwtf] n]lvlbPsf] tkl;ndf pNn]lvt 3/hUuf / ;f]xL
hUufdf ag]sf] tyf kl5 aGg], yKg] 3/ 6x/f, Uof/]h, sDkfp08jfn ;d]t lnunufkft o;} lwtf]
b[li6aGws lnvt / k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL P]g, k|rlnt g]kfn sfg"g tyf
tkfO{+ wgL a}+ssf] shf{ c;"nL ;DaGwL ljlgod sfo{ljlw cg';f/ lnnfd laqmL u/L jf cGo
s'g} Joj:yf u/L tkfO{+ wgL a}+sn] lng' kg]{ afFsL ;fFjf, Jofh, xh{gf Jofh, C0f, c;"npk/ ug]{
;DaGwdf ePsf] vr{, sfg"gL vr{ nufotsf] ;Dk"0f{ n]gf c;"npk/ u/L lng'xf]nf . ;f] adf]lhd
n]gf /sd c;"npk/ geP;Dd tkfO{+ wgL a}+sn] lnnfd laqmL ug]{ sfo{df d÷xfdL ;d]tn] k"0f{
;xof]u u/L tkfO{+ wgL a}+ssf] C0f c;"nL sfo{df ;xof]u k'¥ofpg] 5'÷5f}+ . ;f] adf]lhd n]gf
/sd c;"npk/ gePdf tkfO{+ wgL a}+sn] d÷xfdL pk/ a}+s tyf ljQLo ;+:yfsf] C0f c;"npk/
ul/lng] ;DaGwL k|rlnt g]kfn sfg"g adf]lhd sf/jfxL u/]df ;d]t d÷xfdL lwtf] b[li6aGws

328 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @*=$
n]lvlbg]sf] k"0f{ d~h"/L 5 . a}+ssf] ;Dk"0f{ n]gf /sd r'Qmf geO{ jf a}+ssf] k"j{ :jLs[t glnO{
tkl;n adf]lhdsf] hUufdf ag]sf] tyf kl5 aGg], yKg] 3/, 6x/f, Uof/]h, sDkfp08jfn x6fpg]
eTsfpg] ;fg]{ jf 3/hUufsf] df]n 36fpg] sfd ug]{ 5}g÷5}gf}+ . kl5 d}n] lwtf] aGws n]lvlbPsf]
;DklQsf] d"No a9]sf] cj:yfdf klg klxn] lwtf] ;'/If0f lbbfsf] cj:yfdf sfod ul/Psf] lwtf]
d"No a/fa/sf] dfq d]/f] bfloTj x'g]5 egL sxL+ st} ph'/ afh'/ ug]{ 5}g . d}n] xfdLn] b[li6aGws
u/L lbPsf] lwtf] ;DklQn] vfd];Ddsf] tkfO{+ wgL a}+ssf] n]gf /sd k'/} c;"npk/ gx'Gh]n;Ddsf]
nflu o;} lnvtåf/f lwtf] aGws n]lvlbPsf] tkl;n adf]lhdsf] ;DklQaf6 c;"npk/ ul/
lng'xf]nf . lwtf] n]lvlbPsf] ;DklQ sRrf 7x/L lnnfd laqmL x'g g;sL tkfO{+ wgL a}+ssf] n]gf
/sd c;"npk/ ge} afFsL /xg cfPdf ;Dk"0f{ n]gf /sd snd d]/f] tyf d]/f] Psf3/ kl/jf/sf
gfddf /x]sf] cGo rn crn hfoh]yf ;d]tsf] ;DklQaf6 c;"npk/ u/L lng'xf]nf . ;f] adf]lhd
u/L lnPdf kl5 d}n]÷xfdLn] ltg'{ a'emfpg' kg]{ xf]O{g egL slx st} ph'/ afh'/ ug]{ 5}g÷5}gf}+ elg of]
lnvtsf] cBf]kfGt k9L jfrL ;'gL o;sf] dtnj / kl/0ffd ;d]t a'emL d]/f] dgf]dfgL /fhLv'zLn]
lsgf/fsf ;fIfL / tkfO{+ wgL a}+ssf] k|ltlgwLsf] /f]xj/df dfnkf]t sfof{no==============df a;L
of] lwtf] aGwssf] lnvtdf ;xL5fk u/L tkfO{+ wgL s[lif ljsf; a}+s lnld6]8 ========sfof{no
==============nfO{ lbPF÷lbof}+ . o;df n]lvPsf] Joxf]/f 7Ls ;fFrf] 5, em'¶f Joxf]/f n]vL n]vfO{
C0f lnP lbnfPsf] 7x/] sfg"g adf]lhd ;x'Fnf a'emfFpnf .
tkl;n
!= hUufsf] ljj/0fM
qm= j8f l;6 hUufwgLsf]
;+= lhNnf uf=kf=÷g=kf= rf/lsNnf ls=g+= If]qkmn
g+= g+= gfd

@= 3/sf] ljj/0fM
======================sf] xsef]usf] ===============lhNnf================ uf=kf=÷g=kf= j8f g+=
==== ls=g+= ============== If]qkmn ===============df ag]sf]÷lgdf{0f x'g] k"j{======== klZrd======
pQ/ ============== blIf0f============sf] ==========df]x8f ePsf] ============tnf ========
nDafO{====== rf}8fO{============prfO{ ========5fgf ePsf] kSsL÷sRrL 3/÷uf]7÷vf]/ / ;f]n]
rr]{sf]÷rlr{g] hUuf ;d]tsf] lnunufkft ;d]t .
O{lt ;Djt\ ======= ;fn ==========dlxgf =======ut] ======/f]h ======z'ed\ .

k|df0f sfuhM bfofF jfofF

!= dfnkf]t lt/]sf] /l;b
@= hUufwgL btf{ k|df0fk'hf{
390
#= lwtf]wgLsf] gfd=========== gf=k|=g+= ================ ldlt============== lhNnf============. ]

390
;+rfns ;ldltsf] ldlt @)&%.)&.)^ sf] lg0f{on] ;fljs @*=!, @*=@, @*=#, @*=$ nfO{ x6fO{ o; cg';'rL @*=! agfOPsf]df ;+rfns ;ldltsf] ldlt
@)&%.)*.!^ sf] t];|f] ;+;f]wg cg';f/ ;flassf cg';'rL oyfjt sfod ul/ gofF cg';'rLnfO{ @*=!$ agfOPsf]
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 329
 cg';"rL

sfof{no ========== df ePsf] ;gfvt ;xL 5fk .

ldlt =============== ut]sf lbg dfnkf]t
@= ======================
!= ======================
;gfvt ;fIfLx?

lng] -a}+s_ sf]

a}+s k|ltlgwL
;xL5fk

jfofF
lbg] -C0fL_ sf]

bfofF
ljifoM lwtf] b[li6aGws -t]>f] kIf ;+rfns jf lghsf] Psf3/ kl/jf/sf JolQmsf] d~h"/gfdfn] sDkgLsf xsdf ul/ lbPsf]_
/=g+=======
lnlvtd\ wgLsf gfd sf7df08f} lhNnf sf7df08f} dxfgu/kflnsf j8f g+= ======
/fdzfxky, sf7df08f}df d'Vo sfof{no /x]sf] s[lif ljsf; a}+s lnld6]8sf] ========== l:yt
bfofF

========== sfof{no =========-h;nfO{ o; pk|fGt wgL a}+s elgPsf] 5_ lnvt u/L lbg]sf
gfd ============================================= sf] gftL÷gfltgL =======================sf]
5f]/f÷5f]/L÷a'xf/L =======================sf] kTgL :yfoL 7]ufgf ==================== lhNnf,
jfofF

================g=kf=÷uf=kf= j8f g+=====, eO{ xfn ============= lhNnf, ================g=kf=÷uf=kf=

j8f g+= ===== a:g] jif{ =========-gf=k|=g+===============ldlt ===============, lhNnf=======_ sf]
======================= -h;nfO{ o; pk|fGt lwtf] b[li6aGws ul/ lbg] elgPsf] 5 cfu] k|fO{e]6
kmd{ /lhi6]«zg P]g÷;fem]bf/L P]g÷sDkgL P]g=======adf]lhd ldlt ============ df g]kfn ;/sf/,
=========== dGqfno, ================ ljefu, =============sfof{no, ============df btf{ g+=
========÷============cGtu{t btf{ ePsf] ============= lhNnf, ==========g=kf÷uf=kf= j8f g+=
===== df :yfoL /lhi68{ 7]ufgf /x]sf] ===================-h;nfO{ o; pk|fGt C0fL elgPsf] 5_ n]
3=
2=
1=
;fIfLx?M

cfˆgf] pBf]u, Jofkf/, Joj;fo j[l4 tyf lj:tf/ k|of]hgsf nflu tkfO{+ wgL a}+s;Fu C0f shf{
tyf a}+lsË ;'ljwfx? pknAw u/fO{ lbg u/]sf] cfj]bg cg';f/ tkfO{+ wgL a}+sn] hf/L u/]sf] ldlt
==============sf] C0f :jLs[t kqfg';f/ k|fKt ug{ d]/f]÷xfd|f] gfdsf] tklzn adf]lhdsf] lwtf]
;'/If0f afkt /xg] u/L C0fLnfO{ ================= zLif{ssf] shf{ ?================.– -cIf]?kL
==================dfq_ sf] shf{ tyf a}}+lsË ;''lawf k|fKt ug{sf nflu of] lwtf] aGwssf] lnvt u/L
lbPsf] 7Ls ;f“rf] xf] . d]/f]÷xfd|f] lwtf]af6 C0fLn] C0f shf{ tyf a}+lsË ;'ljwfx? C0fLsf]
cfjZostf cg';f/ ;do ;dodf gjLs/0f ePdf ;f] gjLs/0f ePsf] cjlw;Dd / eljiodf
C0fLn] tkfO{+ wgL a}+saf6 d]/f] :jLs[lt lnO{ yk C0f shf{ tyf a+}lsË ;'ljwfx? k|fKt u/]df
;f] a+}lsË ;'ljwfx? ;d]tsf] nflu ;'/If0f afkt sfod /xg] u/L d lwtf] b[li6aGws n]lv lbg]
d~h"/gfdfjfnfsf] gfdsf] crn ;Dklt, 3/hUuf tkfO{+ wgL a}+ssf] gfddf lwtf] b[li6aGws n]lv
lbg d~h"/ ePsf]n] C0fLn] k|fKt u/]sf] pk/f]Qm adf]lhdsf] C0f shf{ tyf a}+lsË ;'ljwfx? /

330 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @*=$
eljiodf ;d]t lwtf]n] vfd];Dd k|fKt ug{ ;Sg] yk C0f shf{ tyf a}+lsË ;'ljwfx? ;d]t /
C0fLnfO{ :jLs[t shf{sf] ;Ldf sfod u/L ;f]xL shf{ ;Ldf dWo]af6 d]/f]÷xfd|f] clVtof/L k|fKt
u/L C0fL ;d]tsf] cg'/f]wdf s'g} klg t]>f] kIfnfO{ tkfO{+ wgL a}+sn] hdfgt jf a}+lsË ;'ljwfx?
Ps k6s jf k6s k6s u/L pknAw u/fPdf C0fLn] lnPsf] shf{, hdfgt tyf a}+lsË ;'ljwf
/ d]/f]÷xfd|f] lwtf]df t]>f] kIfsf xsdf pknAw u/fO{Psf] C0f bfloTj ;'ljwf afkt C0fLsf]
tkm{af6 ltg{' a'emfpg' kg]{ ;fFjf, Jofh tyf ;Dk"0f{ bfloTj r'Qmf e'QmfgL gul/lbpGh]n;Ddsf]
nflu ;d]t ;'/If0f sfod /xg] u/L d]/f] gfddf dfnkf]t sfof{no, ============ df d]/f]÷xfd|f]
Psnf}6L btf{ sfod ePsf] o; cl3 cGoq slx st} c? s;}nfO{ s'g} lsl;dn] xs x:tfGt/0f
jf ef]uaGws÷b[li6aGws jf lnhdf ;d]t s'g} Joxf]/fn] s]xL u/L glbPsf] d]/f]÷xfd|f] lghL xs
ef]usf] tklzn adf]lhdsf] lwtf] tkfO{+ wgL a}+ssf sd{rf/L÷;"rLs[t lwtf] d"Nof+sgstf{sf]
k|ltj]bg / tkfO{+ wgL a}+sn] ;f]nfO{ :jLs[t u/] cg';f/sf] d"Nof+sg /sd ?= ===============
-cIf]?kL ====================================_ sfod ePsf] 3/÷hUuf tyf ;f]df eljiodf s'g}
yk lgdf{0f sfo{x? ePdf ;f] ;d]t ;Dk"0f{ lnunufkft ;d]t lwtf] ;'/If0f /xg] u/L d lwtf]
d~h"/gfdf lbg] cfkm} dfnkf]t sfof{no =========== df pkl:yt eO{ o;} lnvtaf6 tkfO{+ wgL
a}+ssf] gfddf lwtf] b[li6aGws ul/lbPF÷ul/lbof}+ . of] b[li6aGwssf] lnvt / o; lnvt;Fu
;DalGwt a}+sdf eP u/]sf td;'s d~h"/gfdf nufotsf sfuhftdf ePsf zt{ ;'ljwfx? o;
lnvtsf] cleGg c+u dfgL kfngf ug{ d~h"/ ub{5' . C0fLn] tkfO{+ wgL a}+saf6 k|fKt u/]sf] jf
eljiodf ;d]t k|fKt ug]{ C0f shf{ tyf a}+lsË ;'ljwf afkt tkfO{+ wgL a}+snfO{ ltg'{ a'emfpg'
kg]{ ;fFjf, Jofh, yk Jofh, lkm, sld;g, z'Ns cflb b} b:t'/ C0f :jLs[t kqfg';f/ / tkfO{+
wgL a}+sn] pQm shf{ gjLs/0f u/L lbPsf] cj:yfdf ;f]xL adf]lhd pQm shf{ tyf a}+lsË
;'ljwfx?sf] nflu C0fLn] a}+sdf ul/lbPsf] td;'s jf cGo s'g} lsl;dsf] lnvtdf pNn]lvt
efvfleq ;Dk"0f{ shf{ tyf a}+lsË ;'ljwf afktsf] /sd e'QmfgL ug{ nufpg] 5'÷5f}+ . C0fLsf]
gfddf tkfO{+ wgL a}+sn] hf/L u/]sf] shf{ :jLs[t kqfg';f/ tyf C0fL / tkfO{+ wgL a}+saLr ePsf]
tyf eljiodf ;d]t x'g] C0f shf{ ;DaGwL zt{ aGb]hx? adf]lhd ;do ;dodf tyf ls:tf
ls:tfdf jf dfu ugf{;fy C0f shf{sf] ;fFjf, Jofh glt/] ga'emfPdf jf ltg{ a'emfpg O{Gsf/ u/]df
d cfkm}n] cfˆg} tkm{af6 a'emfpg' kg]{ r'Qmf ug{'kg]{ egL a}+sn] eg]sf] ;doleq dfUgf;fy r'Qmf
e'QmfgL u/L a'emfpg] 5' . C0fLn] ltg'{ a'emfpg' kg]{ /sd ;doleq jf dfUgf;fy ga'emfO{ cfn6fn
u/]df jf ls:tf lvnflkm u/]df jf Dofbleq r'Qmf e'QmfgL gu/]df jf C0fLn] C0f shf{ b'?kof]u
u/]df jf C0f shf{ ;DaGwL zt{ aGb]hx? pNn+3g u/]df d}n]÷xfdLn] lwtf] n]lvlbPsf] tkl;ndf
pNn]lvt 3/hUuf / ;f]xL hUufdf ag]sf] tyf kl5 aGg], yKg] 3/ 6x/f, Uof/]h, sDkfp08jfn ;d]t
lnunufkft o;} lwtf] b[li6aGws lnvt / k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL P]g, k|rlnt
g]kfn sfg"g tyf tkfO{+ wgL a}+ssf] shf{ c;"nL ;DjGwL ljlgod, sfo{ljlw cg';f/ lnnfd
laqmL u/L jf cGo s'g} Joj:yf u/L tkfO{+ wgL a}+sn] lng' kg]{ afFsL ;fFjf, Jofh, xh{gf Jofh,
C0f, c;"npk/ ug]{ ;DaGwdf ePsf] vr{, sfg"gL vr{ nufotsf] ;Dk"0f{ n]gf c;"npk/ u/L
lng'xf]nf . ;f] adf]lhd n]gf /sd c;"npk/ geP;Dd tkfO{+ wgL a}+sn] lnnfd laqmL ug]{ sfo{df
d÷xfdL ;d]tn] k"0f{ ;xof]u u/L tkfO{+ wgL a}+ssf] C0f c;"nL sfo{df ;xof]u k'¥ofpg] 5'÷5f}+ .
;f] adf]lhd n]gf /sd c;"npk/ gePdf tkfO{+ wgL a}+sn] d÷xfdL pk/ a}+s tyf ljQLo ;+:yfsf]
C0f c;"npk/ ul/lng] ;DaGwL k|rlnt g]kfn sfg"g adf]lhd sf/jfxL u/]df ;d]t d÷xfdL lwtf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 331

 cg';"rL @*=%
b[li6aGws n]lvlbg]sf] k"0f{ d~h"/L 5 . a}+ssf] ;Dk"0f{ n]gf /sd r'Qmf geO{ jf a}+ssf] k"j{ :jLs[t
glnO{ tkl;n adf]lhdsf] hUufdf ag]sf] tyf kl5 aGg], yKg] 3/, 6x/f, Uof/]h, sDkfp08jfn
x6fpg] eTsfpg] ;fg]{ jf 3/hUufsf] df]n 36fpg] sfd ug]{ 5}g÷5}gf}+ . kl5 d}n] lwtf] aGws
n]lvlbPsf] ;DklQsf] d"No a9]sf] cj:yfdf klg klxn] lwtf] ;'/If0f lbbfsf] cj:yfdf sfod
ul/Psf] lwtf] d"No a/fa/sf] dfq d]/f] bfloTj x'g]5 egL sxL+ st} ph'/ afh'/ ug]{ 5}g . d}n] xfdLn]
b[li6aGws u/L lbPsf] lwtf] ;DklQn] vfd];Ddsf] tkfO{+ wgL a}+ssf] n]gf /sd k'/} c;"npk/
gx'Gh]n;Ddsf] nflu o;} lnvtåf/f lwtf] aGws n]lvlbPsf] tkl;n adf]lhdsf] ;DklQaf6
c;"npk/ ul/ lng'xf]nf . lwtf] n]lvlbPsf] ;DklQ sRrf 7x/L lnnfd laqmL x'g g;sL tkfO{+
wgL a}+ssf] n]gf /sd c;"npk/ ge} afFsL /xg cfPdf d]/f] tyf d]/f] Psf3/ kl/jf/sf gfddf
/x]sf] cGo rn crn hfoh]yf ;d]tsf] ;DklQaf6 c;"npk/ u/L lng'xf]nf . ;f] adf]lhd u/L
lnPdf kl5 d}n]÷xfdLn]] ltg'{ a'emfpg' kg]{ xf]O{g egL slx st} ph'/ afh'/ ug]{ 5}g÷5}gf}+ elg of]
lnvtsf] cBf]kfGt k9L jfrL ;'gL o;sf] dtnj / kl/0ffd ;d]t a'emL d]/f] dgf]dfgL /fhLv'zLn]
lsgf/fsf ;fIfL / tkfO{+ wgL a}+ssf] k|ltlgwLsf] /f]xj/df dfnkf]t sfof{no==============df a;L
of] lwtf] aGwssf] lnvtdf ;xL5fk u/L tkfO{+ wgL s[lif ljsf; a}+s lnld6]8 ========sfof{no
==============nfO{ lbPF÷lbof}+ . o;df n]lvPsf] Joxf]/f 7Ls ;fFrf] 5, em'¶f Joxf]/f n]vL n]vfO{
C0f lnP lbnfPsf] 7x/] sfg"g adf]lhd ;x'Fnf a'emfpFnf .
tkl;n
!= hUufsf] ljj/0fM
uf=kf=÷ j8f hUufwgLsf] ls=
lhNnf l;6 g+= rf/lsNnf If]qkmn s}lkmot
g=kf= g+= gfd g+=

@= 3/sf] ljj/0fM
======================sf] xsef]usf] ===============lhNnf================ uf=kf=÷g=kf= j8f g+=
==== ls=g+ ============== If]qkmn ===============df ag]sf]÷lgdf{0f x'g] k"j{======== klZrd======
pQ/ ============== blIf0f============sf] ==========df]x8f ePsf] ============tnf ========
nDjfO{====== rf}8fO{============prfO{ ========5fgf ePsf] kSsL÷sRrL 3/÷uf]7÷vf]/sf]
If]qkmn ======== / ;f]n] rr]{sf]÷rlr{g] hUuf ;d]tsf] lnunufkft ;d]t .

O{lt ;Djt\ ======= ;fn ==========dlxgf =======ut] ======/f]h ======z'ed\ .

k|df0f sfuhM
!= dfnkf]t lt/]sf] /l;b bfofF jfofF
@= hUufwgL btf{ k|df0fk'hf{
#= lwtf]wgLsf] gfd=========== gf=k|=g+= ================ldlt==============lhNnf============.
$= lwtf]wgLsf] gfd=======, gf=k|=g+= ================ldlt==============lhNnf============.] 391

391
;+rfns ;ldltsf] ldlt @)&%.)&.)^ sf] lg0f{on] ;fljs @*=!, @*=@, @*=#, @*=$ nfO{ x6fO{ o; cg';'rL @*=! agfOPsf]df ;+rfns ;ldltsf]
ldlt @)&%.)*.!^ sf] t];|f] ;+;f]wg cg';f/ ;flassf cg';'rL oyfjt sfod ul/ gofF cg';'rLnfO{ @*=!$ agfOPsf]
332 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 cg';"rL
-shf{ u|fxsn] ug]{ td;'ssf] gd"gf_

lnlvtd\ wgLsf gfd sf7df08f} lhNnf sf7df08f} dxfgu/kflnsf j8f g+=

====== /fdzfxky, sf7df08f}df d'Vo sfof{no /x]sf] s[lif ljsf; a}+s lnld6]8sf]
bfofF

==========l:yt ==============sfof{no =========-h;nfO{ o; pk|fGt wgL a}+s elgPsf]

5_ lnvt u/L lbg]sf gfd >L =============== sf] gftL÷gfltgL >L ======================
5f]/f÷5f]/L÷a'xf/L =======================sf] kTgL======================== :yfoL
jfofF

7]ufgf =============== lhNnf, ==========================g=kf=÷uf=kf=j8f

g+====, eO{ xfn =============== lhNnf, ===============g=kf=÷uf=kf= j8f g+=
=============a:g] aif{ ==========-gf=k|=g+============ldlt =================lhNnf
$= lnvt r]s ug]{ wgL a}+ssf] sd{rf/Lsf] gfd÷kb÷sf]8 g+=÷b:tvt======= =============
#= lnvt tof/ kfg]{ wgL a}+ssf] sd{rf/Lsf] gfd÷kb÷sf]8 g+=÷b:tvt======= =============
@= ======= =============
!= ======= =============
;fIfLx?

==============_ sf] >L ======================================= jf k||fO{e]6 kmd{ /lhi6]«zg

P]g÷;fem]bf/L P]g÷sDkgL P]g=======adf]lhd ldlt ============ df g]kfn ;/sf/,
=========== dGqfno, ================ ljefu, =============sfof{no, ============df btf{
g+= ====================cGtu{t btf{ ePsf] ============= lhNnf, ==========g=kf÷uf=kf=
j8f g+= ===== df :yfoL /lhi68{ 7]ufgf /x]sf] >L =========================
kmd{÷sDkgLsf tkm{af6 clVtof/ k|fKt÷k|f]k|fO{6/÷;~rfns÷;fem]bf/ >L
=============== sf] gftL÷gfltgL >L ====================== 5f]/f÷5f]/L÷a'xf/L
=======================sf] kTgL======================== :yfoL 7]ufgf ===============
lhNnf, ==========================g=kf=÷uf=kf=j8f g+====, eO{ xfn
=============== lhNnf, ===============g=kf=÷uf=kf= j8f g+= =============a:g]
aif{ ==========-gf=k|=g+============ldlt =================lhNnf ==============_
sf] >L =======================================-h;nfO{ o; pk|fGt C0fL
k|f]k|fO{6/÷;+rfns÷;fem]bf/ elgPsf] 5_ n] cfˆgf] Jofkf/, Joj;fo j[l4 tyf lj:tf/
k|of]hgsf nflu C0f shf{ tyf a}+lsË ;'ljwf pknAw u/fO{lbg tkfO{+ wgL a}+sdf ldlt
================= df u/]sf] cfj]bg adf]lhd tkfO{+ wgL a}+sn] d÷xfdL C0fLsf] gfddf
hf/L u/]sf] ldlt ================ sf] C0f :jLs[lt kqfg';f/ :jLs[t tkl;n adf]lhdsf]
C0f shf{ ?=====================. -cIf]?kL ====================== dfq_ / =========
;'ljwf ?==========. -cIf]?kL ====================== dfq_ u/L hDdf ?==========.
-cIf]?kL ====================== dfq_ sf] C0f shf{ tyf a}+lsË ;'ljwfx? ;f]xL C0f
:jLs[lt kqdf pNn]lvt tl/sf adf]lhd tyf ;f]sf] cnfjf d÷xfdL C0fLx?nfO{
:jLs[t shf{ ;Ldf /f]Ssf ul/ ;f]xL shf{ ;Ldf dWo]af6 d÷xfdL C0fLsf] clVtof/L
k|fKt u/L cfPsf]] Ps} ;d"x cGtu{tsf kmd{÷sDkgL -l;:6/ sG;g{_ nfO{ ;d]t C0f
shf{ tyf a}+lsË ;'ljwf pknAw u/fPdf tyf tkfO{+ wgL a}+sn] ;do ;dodf C0fLsf]
gfddf hf/L ug]{ C0f :jLs[lt kq tyf o; lnvtdf pNn]lvt zt{ aGb]hx?sf] clwgdf
/xL k|fKt ug]{ / pkof]u ug]{ u/L of] C0f shf{÷;'ljwfsf] td;'s u/L lbPsf] 7Ls ;fFrf]
xf] . tkfO{+ wgL a}+saf6 k|fKt C0f shf{ tyf a}+lsË ;'ljwfx?df nfUg] Jofh, sldzg,
kmL, z'Ns cflb b} b:t'/ tkfO{+ wgL a}+sn] d÷xfdL C0fLsf] gfddf hf/L u/]sf] pNn]lvt
ldltsf] C0f :jLs[lt kq÷jf ;f]df ;do ;dodf x'g] ;+zf]wg÷jf ;f]sf] ;§fdf hf/L

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 333

-
cg';"rL
x'g] C0f :jLs[lt kq jf gjLs/0f kqdf pNn]v ePsf] zt{, tl/sf, Jofhb/, kl/jlt{t
Jofhb/ ;d]t tyf ;f]df lgwf{l/t k|s[of adf]lhd tf]lsPs} efvfleq ltg]{ a'emfpg]
5'÷5f}+ . o; lnvt adf]lhd lnPsf] C0f o; lnvtdf pNn]v ul/Psf] tyf kl5
k6s k6s gjLs/0f u/L Dofb a9fO{Psf]df To;/L a9fOPsf] ldlt;Dddf r'Qmf e'Qmfg
ug]{ 5'÷5f}+ . :jLs[t C0f shf{ tyf a}+lsË ;'ljwfx? gjLs/0f jf k'g/;+/rgf ePdf
;d]t gjLs/0f jf k'g/;+/rgf x'Fbfsf avt tkfO{+ wgL a}+sn] d÷xfdL C0fLsf gfpFdf
hf/L ug]{ C0f :jLs[lt kqdf tf]lsPsf] zt{, tl/sf, b/, lgwf{l/t k|s[of adf]lhd ;f]df
lgwf{l/t efvf leqdf d÷xfdL C0fL cfkm} jf cfˆgf] k|ltlglw dfkm{t\ tkfO{+ wgL a}+sdf
pkl:yt eO{ a}+s C0f shf{sf] ljj/0f -:6]6d]06_ lnO{ jf glnO{ ltg{ kg]{ /sd snd
s] slt xf] cfkm} ;f]wvf]h u/L tkfO{+ wgL a}+sdf C0f shf{sf] ;Dk"0f{ ;fFjf / dfl;s
?kdf Jofh cflb r'Qmf e'Qmfg ug]{ 5'÷5f}+ . shf{ ;'ljwf kqdf tf]lsP adf]lhdsf]
;fFjf÷ls:tf /sd / dfl;s ?kdf Jofh ga'emfPdf a}+s lgodfg';f/ nfUg] yk dWod
tyf pRr Jofhb/ ltg{ Joxf]g{ d~h"/L 5 . ;f]xL cg';f/ d÷xfdL C0fLsf] gfpFdf :jLs[t
C0f shf{ tyf a}+lsË ;'ljwfx? pkef]u ubf{ tkfO{+ wgL a}+spk/ s'g} yk bfloTjx?
>[hgf ePdf To:tf] yk bfloTjx?, lwtf] ;DklQsf] d"Nof+sg vr{, aLdf lk|ldod b:t'/,
sfg"gL vr{x?, n]vf k/LIf0f vr{x?, wgL a}+saf6 ;do ;dodf x'g] lg/LIf0f ubf{sf]
nfUg] vr{, cGo e}k/L cfpg] vr{ nufot k|fKt shf{;Fu ;DaGwL ;"rgf k|sflzt
vr{x? cflb ;d]t tkfO{+ wgL a}+sn] dfu ugf{;fy ltg]{ a'´fpg] 5'÷5f}+ . :jLs[t C0f
shf{ tyf a}+lsË ;'ljwfx? tyf eljiodf tkfO{+ wgL a}+sn] pknAw u/fpg] yk C0f
shf{ tyf ;'ljwfx? ;d]tsf] ;'/If0f afkt d÷xfdL C0fLsf] lghL >f]taf6 v/Lb
u/]sf], >[hgf u/]sf] / tkfO{+ wgL a}+saf6 k|fKt C0f shf{af6 lgld{t÷v/Lb x'g] ;Dk"0f{
rn crn ;DklQx? o;} lnvtaf6 tkfO{+ wgL a}+ssf] gfpFdf ;'/If0f n]lvlbPsf]
5'÷5f}+ . ;fy} d÷xfdL C0fLsf] tyf d÷xfdL C0fLsf] sfg"g adf]lhdsf xsjfnf
kl/jf/x? hf] ;'s}sf] gfpFdf /x] ePsf] ;Dk"0f{ rn crn ;DklQx? tyf eljiodf
d÷xfdL C0fLsf] tyf d]/f÷xfd|f Psf kl/jf/ hf] ;'s}sf] gfpFdf sfod x'g] ;DklQ tyf
d÷xfdL C0fLn] s'g} cf;fdLx?af6 e'QmfgL k|fKt ug{ afFsL /sdx?, d÷xfdL C0fLsf]
cGo a}+s tyf ljQLo ;+:yfx?df lgIf]k /x]sf] /sd ;d]t o;} lnvtaf6 tkfO{+ wgL
a}+ssf] gfpFdf ;'/If0f n]lvlbPsf] 5'÷5f}+ . pQm lgIf]k tyf p7\tL /sdx? nufot cGo
;DklQx? e'QmfgL lng o;} lnvtaf6 tkfO+{ wgL a}+snfO{ k"0f{ clwsf/ ;'lDkPsf]
5'÷5f}+ . ;f]sf] cnfjf k|fKt C0f shf{ tyf eljiodf ;d]t d÷xfdL C0fLn] k|fKt ug{
;Sg] yk C0f shf{ tyf a}+lsË ;'ljwfx?sf] ;'/If0f afkt d÷xfdL C0fLsf] gfpFsf] jf
cGo lwtf] hdfgt lbg] sf]xL s;}sf] gfdsf] crn ;DklQ 3/hUuf tkl;n adf]lhd
lwtf]aGws n]lvlbPsf] ;f] ;d]t yk ;'/If0fsf] ?kdf lwtf] sfod /xg] 5 . k|fKt C0f
shf{sf] tkfO{+ wgL a}+snfO{ ltg'{kg]{ ;fFjf, Jofh, yk Jofh, kmL, sldzg, z'Ns cflb
tkfO{+ wgL a}+ssf] pNn]lvt ldltsf] C0f :jLs[lt kq÷jf ;f]sf] ;+zf]wg÷jf ;f]sf]
;§fdf hf/L x'g] csf]{ C0f :jLs[lt kqfg';f/ tf]lsP adf]lhd glt/] ga'´fPdf jf
ltg{ a'´fpg cfn6fn u/]df jf ls:tf lvnfkmL u/]df jf C0f :jLs[lt kq tyf o;
lnvtsf s'g} klg zt{aGb]hx? pNn+3g u/]df d÷xfdL C0fLsf] tyf d]/f Psf kl/jf/

334 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @*=%
hf] ;'s}sf] gfpFdf tkfO{+ wgL a}+ssf] jf cGo s'g} klg a}+sdf vf]n]sf] tyf vf]lng]
lgIf]k /sdaf6 s§f u/L tyf lwtf] n]lvlbPsf] ;DklQ a}+s tyf ljQLo ;+:yf ;DaGwL
P]g tyf k|rlnt cGo g]kfn sfg"g adf]lhd jf tkfO+{ wgL a}+ssf] cfˆg} lgodfg';f/
lnnfd lalqm u/L jf cGo Joj:yf u/L tkfO{+ wgL a}+sn] d÷xfdL C0fLaf6 lng afFsL
;fFjf, Jofh, xh{gf Jofh, b} b:t'/, C0f c;"npk/ ug]{ ;DaGwdf ePsf] vr{, sfg"gL
vr{ nufotsf] ;Dk"0f{ n]gf /sd c;"npk/ u/L lng'xf]nf . ;f] adf]lhd n]gf /sd
c;"npk/ gePdf tkfO{+ wgL a}+sn] d÷xfdL pk/ a}+s tyf ljQLo ;+:yfsf] C0f c;"nL
P]g, @)%* tyf lgodfjnL, @)%( adf]lhd tyf k|rlnt cGo g]kfn sfg"g adf]lhd
tyf tkfO+{ wgL a}+ssf] cfˆg} lgodfg';f/ sf/jfxL u/]df ;d]t d÷xfdL C0fLsf] k"0f{
d~h"/L 5 . sy+sbflrt lwtf] n]lvlbPsf] ;DklQ sRrf gs/f 7x/L lnnfd laqmL
x'g g;s]df jf lnnfd laqmL x'Fbf ;d]t tkfO{+ wgL a}+ssf] ;Dk"0f{ n]gf /sd c;"npk/
x'g g;s]df d÷xfdL C0fLsf] tyf d÷xfdL C0fLsf Psf kl/jf/ hf] ;'s}sf] gfddf
/x]sf] 3/ 3/fgfsf] ;DklQaf6 c;"npk/ u/L lng'xf]nf . sy+sbflrt shf{ ;Demf}tfsf]
zt{x? pNn+3g u/]df jf k|rlnt P]g, lgod, lgb]{zg ljkl/t u/]df jf g]kfn /fi6« a}+sn]
a}+s tyf ljQLo ;+:yfx?nfO{ hf/L u/]sf] sfnf] ;"rL ;DaGwL lgb]{lzsfsf] Joj:yf jf
;f]sf] ;§fdf k|lt:yfkg x'g] cGo lgb]{zgsf] cj:yf kl/ d÷xfdL C0fL tyf d÷xfdL
C0fL;Fu ;Da4 cGo kIfnfO{ ;d]t shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf gfd ;dfj]z
u/]df ;d]t d]/f]÷xfd|f] k"0f{ d~h"/L 5 egL of] lnvt cBf]kfGt k9L, afrL, ;'gL lnvtdf
n]lvPsf] Joxf]/fsf] cy{ / kl/0ffd ;d]t a'emL lsgf/fsf ;fIfLx?sf /f]xj/df tkfO{+
wgL a}+ssf] ===========sfof{no =============df a;L of] shf{ td;'ssf] lnvtdf
;xL5fk u/L tkfO{+ wgL a}+snfO{ lbPF÷lbof}+ .

tkl;n
!= shf{sf] ljj/0f
:jLs[t shf{÷;'ljwfsf] shf{ /sd c+s / jflif{s Jofhb/ tyf shf{ r'Qmf ug]{
qm=;+=
zLif{s cIf/df kmL÷sldzg cjlw

@= lwtf]sf] ljj/0fM
s_ hUufsf] ljj/0fM
Uff=kf=÷ hUufwgLsf]
lhNnf j8f g+= lsl;d rf/lsNnf ls=g+= If]qkmn s}lkmot
g=kf= gfd

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 335

-

v_ 3/sf] ljj/0fM
======================sf] xsef]usf] ===============lhNnf================ uf=kf=÷g=kf= j8f g+= ==== ls=g+
============== If]qkmn ===============df ag]sf]÷lgdf{0f x'g] k"j{======== klZrd====== pQ/ ==============
blIf0f============sf] ==========df]x8f ePsf] ============tnf ======== nDjfO{====== rf}8fO{============ prfO{ ========
5fgf ePsf] kSsL÷sRrL 3/÷uf]7÷vf]/sf] If]qkmn=========== / ;f]n] rr]{sf]÷rlr{g] hUuf ;d]tsf] lnunufkft ;d]t .

u_ lwtf]df /xg] ;jf/L ;fwgsf] ljj/0fM

;jf/L ;fwgsf]
df]8n Rof;L; g+= O{GhLg g+= ;jf/L ;fwg g+= ag]sf] ;fn
gfd

O{lt ;Djt\ @)=== ;fn ===== dlxgf ====ut] ==== /f]h z'ed\ .

bfofF jfofF
a}+s k|of]hgsf] nfluM

lwtf] /f]Ssfsf] nflu a}+saf6

dfnkf]t sfof{no=========af6 lwtf] td;'s qmd C0fLsf]
dfnkf]t sfof{nonfO{ k7fPsf]
/f]Ssf eO{ cfPsf] kqsf] ;+Vof ldl;n g+=
kqsf]
r=g+=M ldltM r=g+=M ldltM

;jf/L ;fwg gfd;f/Lsf] nflu ;jf/L ;fwg a}+ssf] gfddf gfd;f/L

oftfoft sfof{nonfO{ k7fPsf] eO{ cfPsf] ldlt
kqsf]
r=g+=M ldltM

336 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @*=%

[æcg";'lr–@*=%-s_
td;'s
lnlvtd\ wgLsf gfd sf7df08f} lhNnf sf7df08f} dxfgu/kflnsf j8f g+= ====== /fdzfxky, sf7df08f}df d'Vo sfof{no /x]sf] s[lif
ljsf; a}+s lnld6]8sf] ==========l:yt ==============sfof{no =========-h;nfO{ o; pk|fGt wgL a}+s elgPsf] 5_ lnvt u/L lbg]sf gfd >L
td;'s hfFr ug]{sf] k'/f gfdy/ M– =================================== kb M– ============================= b:tvt M– ===========

@= ========= lhNnf
!= ========== lhNnf================== kflnsf====== ===== j8f g+= ======== ====== 6f]n a:g] ===== aif{sf] >L =================
;fIfLx?

=============== sf] gftL÷gfltgL >L ====================== 5f]/f÷5f]/L÷a'xf/L =======================sf] kTgL======================== :yfoL 7]ufgf
=============== lhNnf, ==========================g=kf=÷uf=lj=;=j8f g+====, eO{ xfn =============== lhNnf, ===============g=kf=÷uf=lj=;= j8f g+=
afFof ===================kflnsf======= ===== j8f g+= ======== ====== 6f]n a:g] ===== aif{sf] >L =================

=============a:g] aif{ ==========-gf=k|=g+============ldlt =================lhNnf ==============_ sf] >L ======================================= jf k||fO{e6] kmd{
/lhi6]«zg P]g÷;fem]bf/L P]g÷sDkgL P]g=======adf]lhd ldlt ============ df g]kfn ;/sf/, =========== dGqfno, ================ ljefu,
=============sfof{no, ============df btf{ g+= ====================cGtu{t btf{ ePsf] ============= lhNnf, ==========g=kf÷uf=lj=;= j8f g+= ===== df
:yfoL /lhi68{ 7]ufgf /x]sf] >L ========================= kmd{÷sDkgLsf tkm{af6 clVtof/ k|fKt÷k|f]k|fO{6/÷;~rfns÷;fem]bf/ >L ===============
sf] gftL÷gfltgL >L ====================== 5f]/f÷5f]/L÷a'xf/L =======================sf] kTgL======================== :yfoL 7]ufgf =============== lhNnf,
==========================g=kf=÷uf=lj=;=j8f g+====, eO{ xfn =============== lhNnf, ===============g=kf=÷uf=lj=;= j8f g+= =============a:g] aif{
td;'s tof/ ug]{sf] k'/f gfdy/ M– =================================== kb M– ============================= b:tvt M– ===========

==========-gf=k|=g+============ldlt =================lhNnf ==============_ sf] >L =======================================-h;nfO{ o; pk|fGt C0fL

k|f]k|fO{6/÷;+rfns÷;fem]bf/ elgPsf] 5_ n]=== === === === === === ===sfo{ ug{sf nflu lgDg zt{x? kfngf ug]{ u/L cfhsf ldltdf ?= ===
=== === ==.– -cIf]/]kL === === === === === === === _ dfq ;x'lnotk"0f{ shf{ lnO{ of] td;'s ul/ lbPsf] 7Ls ;fFrf] xf] . of] shf{ / ;f] df ===
=== == sf b/n] nfUg] Aofh ;d]t ldlt === === === ;Dddf Ps} ls:tf jf wgL a}+sn] tf]ls lbP cg';f/ ls:tf ls:tfdf a'emfO{ ;Sg]
5'÷5f}+ . of] lnvt tyf o; lnvtsf] cleGg c+usf] ?kdf /x]sf]] ldlt === == === df ul/Psf] ;Demf}tfdf pNn]v ePsf zt{ pNn3+g
u/]df, tf]lsPsf] Dofb leq ;f+jf, Aofh a'emfpg g;s]df d]/f] tyf d]/f] Psf 3/sf] rn crn ;DkQLaf6 c;'n pk/ ul/ lnPdf
d]/f]÷xfd|f] dGh'/L /xg] 5 elg d]/f]÷xfdLx?sf] dgf]dfg /flh v'zLn] s[lif ljsf; a}+s ln= === === === === sfof{no === === === === df a;L
tkl;nsf zt{ kfngf ug]{ u/L lsgf/fsf ;fIfLsf] /f]xj/df of] lnvt÷td;'s ul/lb+P .
zt{x? M
!=C0fLn], wgL a}+ssf] gLlt cg';f/ k|To]s dxLgfsf] Aofh ;f] dxLgf leq a'emfpg dGh'/ 5 .
@=C0fLn]] dfly ;t{ g+= ! df pNn]v ePsf] Aoj:yf cg';f/ Aofh ga'emfPdf jf tf]lsPsf] ;f+jf ls:tf tf]lsPsf] ldlt leq ga'emfPdf
wgL a}+ssf] lgod cg';f/ yk Aofh ltg{ a'emfpg dGh'/ 5 .
#=Jofh cg'bfg ;DjGwL Joj:yf Æ;x'lnotk"0f{ shf{sf nflu Jofh cg'bfg ;DjGwL Plss[t sfo{ljwL @)&%Æ df pNn]v eP adf]lhd
x'g]5
$=wgL a}+såf/f ;do ;dodf lgwf{/0f x'g] Aofh b/ C0fLnfO{ dfGo x'g]5 .
%=o; shf{ /sd e'QmfgL ldltsf] xsdf C0fsf] k|s[lt cg';f/ ls:tf ls:tf jf Pp6} ls:tfdf e'QmfgL ug]{ af/] a}+saf6
tf]lsP adf]lhd x'g]5 .
^=o; lnvt÷td;'s cg';f/sf] shf{ nu]/ u/]sf] sf/f]jf/sf] s'g} klg a]nf wgL a}+sn] lg/LIf0f u/L ;'emfj lbg ;Sg] 5 .
wgL a}+sn] lbPsf] ;'emfjsf] t'?Gt sfof{Gjog ug]{ s'/fdf C0fL dGh'/ ub{5 .
lwtf] === === === === === === === === === === === ===
O{lt ;Djt @) === === === ;fn === === dlxgf === === === ut] /f]h === === z'ed ————

bfFof afFof

]
392

392
;+rfns ;ldltsf] ldlt @)&%.)(.)% sf] a}7s g+= &@! sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 337

 cg';"rL @*=^

-d~h"/LgfdfjfnfnfO{ u/fpg] td;'ssf] gd"gf_

lnlvtd\ wgLsf gfd sf7df08f} lhNnf sf7df08f} dxfgu/kflnsf j8f g+=

====== /fdzfxky, sf7df08f}df d'Vo sfof{no /x]sf] s[lif ljsf; a}+s lnld6]8sf]
bfofF

==========sfof{no =========-h;nfO{ o; pk|fGt wgL a}+s elgPsf] 5_ lnvt u/L

lbg]sf gfd ========================sf] gftL÷gfltgL =======================sf]
5f]/f÷5f]/L÷a'xf/L =============sf] kTgL :yfoL 7]ufgf ====================
jfofF

lhNnf, ================g=kf=÷uf=kf= j8f g+=====, eO{ xfn ============= lhNnf,

================g=kf=÷uf=kf= j8f g+= ===== a:g] jif{ =========-gf=k|=g+===============ldlt
===============, lhNnf=======_ sf] cfu] ========================sf] gftL÷gfltgL
$= lnvt r]s ug]{ wgL a}+ssf] sd{rf/Lsf] gfd÷kb÷sf]8 g+=÷b:tvt======= =============
#= lnvt tof/ kfg]{ wgL a}+ssf] sd{rf/Lsf] gfd÷kb÷sf]8 g+=÷b:tvt======= =============

!= ======= =============
;fIfLx?
@= ======= =============

=======================sf] 5f]/f÷5f]/L÷a'xf/L =============sf] kTgL :yfoL

7]ufgf ==================== lhNnf, ================g=kf=÷uf=kf= j8f g+=====,
eO{ xfn ============= lhNnf, ================g=kf=÷uf=kf= j8f g+= ===== a:g] jif{
=========-gf=k|=g+===============ldlt ===============, lhNnf=======_ jf k|fO{e]6
kmd{ /lhi6]«zg P]g÷;fem]bf/L P]g÷sDkgL P]g=======adf]lhd ldlt ============ df
g]kfn ;/sf/, =========== dGqfno, ================ ljefu, =============sfof{no,
============df btf{ g+= ========÷============cGtu{t btf{ ePsf] =============
lhNnf, ==========g=kf÷uf=kf= j8f g+= ===== df :yfoL /lhi68{ 7]ufgf /x]sf] >L
=========================kmd{÷sDkgLsf k|f]k|fO{6/÷;fem]bf/÷;+rfns ============sf]
gftL÷gfltgL =================== sf] 5f]/f÷5f]/L÷a'xf/L ==========================sf]
kTgL :yfoL 7]ufgf =========== lhNnf, ============g=kf=÷uf=kf=j8f
g+=====, eO{ xfn =========== lhNnf, ========g=kf=÷uf=kf=j8f g+= =========
a:g] jif{ ===========-gf=k|=g+============ldlt========= lhNnf=======_ sf]
===================-h;nfO{ o; pk|fGt C0fL elgPsf] 5_ n] cfˆgf] JolQmut÷Jofkf/,
Joj;fo ;+rfng, j[l4 tyf lj:tf/ k|of]hgsf nflu tkfO{+ wgL a}+s;Fu C0f shf{
tyf a+}lsË ;'ljwfx? pknAw u/fO{ lbg C0fLn] ldlt ================== sf] kq
dfkm{t\ u/]sf] cfj]bg cg';f/ tkfO{+ wgL a}+sn] hf/L u/]sf] ldlt =========================sf]
C0f :jLs[lt kq cg';f/ k|fKt ug{ nfu]sf] C0f shf{ ?=====================.
-cIf]?kL ====================== dfq_ / ========= ;'ljwf ?==========. -cIf]?kL
====================== dfq_ u/L hDdf ?==========. -cIf]?kL ======================
dfq_ sf] C0f shf{ tyf a}+lsË ;'ljwfx? afkt d~h"/Lgfdf lnvt u/L lbPsf] 7Ls
;f“rf] xf] . pk/f]Qm adf]lhdsf] C0f shf{ tyf a}+lsË ;'ljwfx? tyf pQm shf{ C0fLsf]
cfjZostf cg';f/ ;do ;dodf gjLs/0f ePdf ;f] gjLs/0f ePsf] cjlw;Dd /
eljiodf C0fLn] tkfO{+ wgL a}+saf6 ;f]sf] cnfjf yk C0f shf{ tyf a+}lsË ;'ljwfx?
k|fKt u/]df ;f] a+}lsË ;'ljwfx? ;d]t / pNn]lvt C0fLnfO{ :jLs[t shf{ ;Ldf /f]Ssf
u/L ;f]xL shf{ ;Ldf dWo]af6 C0fLsf] clVtof/L k|fKt u/L cfPsf]] Ps} ;d"x cGtu{tsf
kmd{÷sDkgL -l;:6/ sG;g{_ nfO{ ;d]t C0f shf{ tyf a}+lsË ;'ljwf pknAw u/fPdf
;f] ;d]t tyf ;fy} C0fLsf] cg'/f]wdf s'g} klg t]>f] kIf h:t} JolQm, k|fO{e]6 jf ;fem]bf/L
338 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 cg';"rL @*=^
kmd{ jf k|fO{e]6 jf lnld6]8 sDkgL, ;/sf/L jf u}X ;/sf/L ;+3, ;+:yf, lgsfo, Snj
cflb sf]xL s;}sf kIfdf tkfO{+ wgL a}+sn] a}+s hdfgt tyf a}+lsË ;'ljwfx? Ps
k6s jf k6s k6s u/L pknAw u/fPdf ;f] ;d]t u/L C0fLsf] tk{maf6 ltg{' a'emfpg' kg]{
;fFjf, Jofh tyf ;Dk"0f{ bfloTj r'Qmf e'QmfgL gul/ lbpGh]n;Ddsf] nflu ;d]t ;'/If0f
sfod /xg] u/L tkfO+{sf] gfdsf] crn ;DklQ 3/hUuf wgL a}+ssf] gfddf lwtf]aGws
n]vL d~h"/Lgfdf lnvt n]lvlbg k¥of] egL cg'/f]w u/]sf]n] d]/f] gfddf /x]sf] tkl;n
adf]lhdsf] crn ;DklQ 3/hUuf lwtf] aGws kfl/t ul/ d~h"/Lgfdf lnvt lbg
d cfkm} tkfO+{ wgL a}+sdf pkl:yt ePsf] 5' . tkfO{+ wgL a}+sn] ;d]t pNn]lvt
C0fLn] k|fKt u/]sf] pk/f]Qm adf]lhdsf] C0f shf{ tyf a}+lsË ;'ljwfx? / eljiodf
;d]t k|fKt ug{ ;Sg] yk C0f shf{ tyf a}+lsË ;'ljwfx?sf] ;'/If0f afkt tkfO{+sf]
gfdsf] crn ;DklQ 3/hUuf lwtf] n]lv d~h"/Lgfdf lnvt lbg d~h"/ 5 5}g egL
;f]wgL x'Fbf ;f]df d]/f] k"0f{ d~h"/L /x]sf]n] d]/f] gfddf dfnkf]t sfof{no ==============
df btf{ sfod ePsf], o; cl3 cGoq slx st} c? s;}nfO{ s'g} klg Joxf]/fn]
xs x:tfGt/0f jf ef]u b[li6aGws ;d]t s'g} s]xL u/L n]lvglbPsf] d]/f]÷xfd|f] lghL
xsef]usf] c? s;}nfO{ efua08f nufpg gkg]{ tkl;ndf pNn]lvt tkfO{+ wgL a}+ssf
sd{rf/L÷;"rLs[t lwtf] d"Nof+sgstf{sf] d"Nof+sg k|ltj]bgdf pNn]v ePcg';f/sf]
d"Nof+sg ?===================== -cIf]?kL =============================_ sfod ePsf]
tyf ;f]df eljiodf s'g} yk lgdf{0f sfo{x? ePdf ;f] ;d]t ;Dk"0f{ o;} lnvtaf6
tkfO{+ wgL a}+ssf] gfddf d~h"/Lgfdf lnvt ul/lbPF . lwtf] n]lvlbPsf] ;DklQdf
h8fg ePsf wf/f, aQL, 6]lnkmf]gsf] dx;'n, aLdf z'Ns tyf ltg{'kg]{ ;/sf/L lt/f] tyf
cGo b} b:t'/ ;Dk"0f{ d÷xfdL cfkm}n] lt/L a'emfO{ tkfO{+ wgL a}+sn] dfu u/]sf] avt
;f]sf] ;Ssn} /l;b ekfO{ k]z ug]{5÷ ' 5f}+ . C0fLn] tkfO{+ wgL a}+saf6 k|fKt u/]sf] C0f
shf{ tyf a+}lsË ;'ljwfx?sf] tkfO{+ wgL a}+snfO{ ltg{' a'emfpg' kg]{ ;fFjf, Jofh, yk
Jofh, lkm, sldzg z'Ns cflb b} b:t'/ tyf C0fLn] pNn]lvt shf{ ;'ljwf pkof]u
ubf{ cGo yk bfloTjx? l;h{gf ePdf ;f] ;d]t ;Dk"0f{ pNn]lvt C0fLsf] gfddf tkfO{+
wgL a}+sn] hf/L u/]sf] C0f :jLs[lt kqfg';f/ tyf C0fL / tkfO{+ wgL a}+saLr ePsf]
tyf eljiodf ;d]t x'g] C0f shf{ ;DaGwL zt{ aGb]hx? adf]lhd ;do ;dodf tyf
ls:tf ls:tfdf jf dfu ugf{;fy C0f shf{sf] ;fFjf, Jofh glt/] ga'emfPdf jf ltg{
a'emfpg O{Gsf/ u/]df d cfkm}n] cfˆg} tkm{af6 a'emfpg'kg]{ r'Qmf ug{'kg]{ egL a}+sn]
eg]sf] ;doleq dfUgf;fy r'Qmf u/L a'emfpg] 5' . a'emfpg' kg]{ ;doleq jf dfUgf;fy
ga'emfO{ cfn6fn u/]df jf a'emfpg lw~GofO{ u/L afFsL /fv]df jf ls:tf lvnflkm u/]df
jf Dofbleq r'Qmf e'QmfgL gu/]df jf C0fLn] C0f shf{ b'?kof]u u/]df jf C0f shf{
;DaGwL zt{ aGb]hx? pNn+3g u/]df lwtf] n]lvlbPsf] tkl;ndf pNn]lvt 3/hUuf
/ ;f]xL hUufdf ag]sf] tyf kl5 aGg], yKg] 3/ 6x/f, Uof/]h, sDkfp08jfn ;d]t
lnunufkft tkfO{+ wgL a}+ssf] lgodfg';f/ tyf k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL
P]g tyf k|rlnt g]kfn sfg"g cg';f/ lnnfd laqmL u/L jf cGo s'g} klg ;dodf
tkfO{+ wgL a}+sn] cfˆgf] sJhfdf lnO{ h] hf] ug'{ kg]{ u/L cfˆgf] n]gf /sd afFsL ;fFjf,
Jofh, xh{gf Jofh, C0f c;"npk/ ug]{ ;DaGwdf ePsf] vr{, sfg"gL vr{ nufotsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 339

 cg';"rL @*=^
;Dk"0f{ n]gf c;"npk/ u/L lng'xf]nf . ;f] adf]lhd tkfO{+ wgL a}+sn] lnnfd laqmL ug]{
sfo{df d÷xfdL ;d]tn] k"0f{ ;xof]u u/L tkfO{+ wgL a}+ssf] C0f c;"nL sfo{df ;xof]u
k'¥ofpg] 5'÷5f}+ . ;f] adf]lhd n]gf /sd c;"npk/ gePdf tkfO{+ wgL a}+sn] d÷xfdL
pk/ a}+s tyf ljQLo ;+:yfsf] C0f c;"npk/ ul/lng] ;DaGwL k|rlnt g]kfn sfg"g
adf]lhd tyf tkfO{+ wgL a}+ssf] cfˆg} lgodfg';f/ sf/jfxL u/]df ;d]t d÷xfdL lwtf]
n]lvlbg]sf] k"0f{ d~h"/L 5 . C0fLn] tkfO{+ wgL a}+s;Fu lnPsf] shf{ / ;f]df nfu]sf]
Jofh, yk Jofh, xh{gf Jofh, kmL, sldzg z'Ns cflb b} b:t'/ ;d]tsf] ;Dk"0f{
n]gf /sd c;"npk/ gu?~h]n;Ddsf nflu o;} lnvtåf/f lwtf] aGws n]lvlbPsf]
tkl;n adf]lhdsf] ;DklQ lg/Gt/ ?kdf lwtf] ;'/If0f /xL /xg]5 . a}+ssf] ;Dk"0f{ n]gf
/sd r'Qmf geO{ jf a}+ssf] k"j{ :jLs[t glnO{ tkl;n adf]lhdsf] hUufdf ag]sf] tyf
kl5 aGg], yKg] 3/, 6x/f, Uof/]h, sDkfp08jfn x6fpg] eTsfpg] ;fg]{ jf 3/hUufsf]
df]n 36fpg] sfd ug]{ 5}g÷5}gf}+ . kl5 d}n] lwtf] aGws n]lvlbPsf] ;DklQsf] d"No
a9]sf] cj:yfdf klg klxn] lwtf] ;'/If0f lb+bfsf] cj:yfdf sfod ul/Psf] lwtf]
d"No a/fa/sf] dfq d]/f] bfloTj x'g]5 egL sxL+ st} ph'/ afh'/ ug]{ 5}g . o; lwtf]
;DklQn] vfd];Ddsf] tkfO{+ wgL a}+ssf] n]gf /sd k'/} c;"npk/ gx'Gh]n;Ddsf] nflu
o;} lnvtåf/f lwtf] aGws n]lvlbPsf] tkl;n adf]lhdsf] ;DklQaf6 c;"npk/ u/L
lng'xf]nf . syd\sbflrt lwtf] n]lvlbPsf] ;DklQ sRrf gs/f 7x/L lnnfd laqmL x'g
g;sL tkfO{+ wgL a}+ssf] n]gf /sd c;"npk/ ge} afFsL /xg cfPdf ;Dk"0f{ n]gf /sd
snd d]/f] tyf d]/f] Psf3/ kl/jf/sf gfddf /x]sf] cGo rn crn hfoh]yf ;d]tsf]
;DklQaf6 c;"npk/ u/L lng'xf]nf . ;f] adf]lhd u/L lnPdf kl5 d}n]÷xfdLn]] glnP
gvfPsf] /sd snd d}n]÷xfdLn] ltg'{ a'emfpg' kg]{ xf]O{g egL slx st} c? s;}nfO{
s'g} klg lsl;dsf] ph'/ afh'/ ug]{ 5}g÷5}gf}+, u/] o;} lwtf] aGwssf] lnvtn] ab/ u/L
cfˆgf] hf] nfu]sf] /sd snd p7fO{ lng' elg of] lnvtsf] cBf]kfGt k9L jfrL ;'gL
o;sf] dtnj / kl/0ffd ;d]t a'emL d]/f] dgf]dfgL /fhLv'zLn] lsgf/fsf ;fIfLx?sf]
/f]xj/df tkfO{+ wgL a}+ssf] =====sfof{no========df a;L of] lwtf] d~h"/Lgfdf lnvtdf
;xL5fk u/L tkfO{+ wgL s[lif ljsf; a}+s lnld6]8 ========sfof{no ==============nfO{
lbPF÷lbof}+ . o;df n]lvPsf] Joxf]/f 7Ls ;fFrf] 5, em'¶f Joxf]/f n]vL n]vfO{ C0f lnP
lbnfPsf] 7x/] sfg"g adf]lhd ;x'Fnf a'emfpFnf .

tkl;n
!= shf{sf] ljj/0f

shf{ /sd c+s jflif{s Jofhb/ shf{ r'Qmf ug]{

qm=;+= :jLs[t shf{÷;'ljwfsf] zLif{s
/ cIf/df tyf kmL÷sldzg cjlw

340 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @*=^
@= lwtf]sf] ljj/0fM
s_ hUufsf] ljj/0fM

Uff=kf=÷ hUufwgLsf]
lhNnf j8f g+= lsl;d rf/lsNnf ls=g+= If]qkmn s}lkmot
g=kf= gfd

v_ 3/sf] ljj/0fM
======================sf] xsef]usf] ===============lhNnf================ uf=kf=÷g=kf= j8f g+= ==== ls=g+
============== If]qkmn ===============df ag]sf]÷lgdf{0f x'g] k"j{======== klZrd====== pQ/ ==============
blIf0f============sf] ==========df]x8f ePsf] ============tnf ======== nDjfO{====== rf}8fO{============prfO{
========5fgf ePsf] kSsL÷sRrL 3/÷uf]7÷vf]/sf] If]qkmn=========== / ;f]n] rr]{sf]÷rlr{g] hUuf ;d]tsf]
lnunufkft ;d]t .

O{lt ;Djt\ @)============ ;fn === dlxgf====== ut] ========== /f]h z'ed\ .
bfofF jfofF

a}+s k|of]hgsf] nfluM

lwtf] /f]Ssfsf] nflu a}+saf6 dfnkf]t sfof{no=========af6 d~h"/Lgfdf C0fLsf] ldl;n

dfnkf]t sfof{nonfO{ k7fPsf] kqsf] lwtf] /f]Ssf eO{ cfPsf] kqsf] qmd ;+Vof g+=
r=g+=M ldltM r=g+=M ldltM

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 341

 cg';"rL @*=&

JolQmn] lng] shf{sf nflu ul/lbg] JolQmut hdfgtsf] lnvt

lnlvtd\ hdfgLsf] lnvt u/fO{ lng]sf] gfd sf7df8f} lhNnf, sf7df8f} dxfgu/kflnsf /fdZffxkydf d'Vo
sfof{no /lx ======== l:yt =======sfof{no========= /x]sf] s[lif ljsf; a}+s ln= -h;nfO{ o;kl5 o; lnvtdf
wgL a}+s elgPsf] 5_ / hdfgt lnvt ul/ lbg]sf] gfd===================== sf] gftL÷gftLgL =============================
sf] 5f]/f÷5f]/L÷a'xf/L ======================sf] kTgL ========================lhNnf =============================
g=kf=÷uf=kf= j8f g+= ==========a:g] aif{ ==== sf]÷sL >L÷>LdtL÷;'>L=======================, gf=k|=g+= ============,
ldlt =========, lhNnf =============== sfof{no -h;nfO{ o;kl5 o; lnvtdf hdfgt lbg] elgPsf] 5_ cfu]
tkfO{+ wgL a}+sn] d]/f]÷xfd|f] cg'/f]w tyf d]/f]÷xfd|f] hdfgL lbg] zt{df ============ sf] gftL÷gftLgL÷a'xf/L
===================== sf] 5f]/f÷5f]/L÷kTgL ============================= lhNnf ===================================
========= g=kf=÷uf=kf= j8f g+ ==== a:g] aif{ ==== sf]÷sL -gful/stf g+= ============, ldlt ===============,
lhNnf=====================_ >L÷>LdtL÷;'>L ======================-h;nfO{ o;kl5 o; lnvtdf C0fL elgPsf]
5_ nfO{ tkfO{+ wgL a}+saf6 ldlt ================ sf] shf{ :jLs[lt kqfg';f/ C0f shf{ ?=====================.
-cIf]?kL ====================== dfq_ / ========= ;'ljwf ?==========. -cIf]?kL ====================== dfq_ u/L
hDdf ?==========. -cIf]?kL ====================== dfq_ sf] C0f shf{ tyf a}+lsË ;'ljwfx? o; cl3 ;do
;dodf k|bfg u/]sf], ub}{ cfPsf] / ;fy} eljiodf k|bfg ug]{ C0f shf{ tyf cGo a}+lsË ;'ljwfx? tyf ;f] gjLs/0f
ePdf ;f] ;d]tdf pNn]lvt zt{ aGb]hx? kl/ kfngf ug]{ u/L tkfO{+ wgL a}+snfO{ ltg{ a'emfpg kg]{ ;fFjf, Jofh,
sldzg, kmL, dflh{g cflb cGo /sd snd ;d]t r'Qmf e'Qmfg ug]{ u/L hdfgt al;lbg d]/f]÷xfd|f] d~h"/L ePsf]n]
tkfO{+ wgL a}+snfO{ C0fLn] ltg{ a'emfpg kg]{ pNn]lvt shf{ tyf a}+lsË ;'ljwf /sd snd tkfO{+ wgL a}+sn]
dfu ugf{;fy tkl;n adf]lhdsf] zt{ aGb]hsf] cwLgdf /xL d hdfgt lbg] cfkm}n] ltg]{ a'emfpg d~h"/ u/L of]
hdfgLsf] lnvt u/L lbPsf] 5'÷5f} . tkfO{+ wgL a}+sn] dfu u/]sf avt glt/], ga'emfPdf jf a'emfpg cfn6fn
u/]df tkfO{+ wgL a}+sn] d÷xfdL hdfgt lbg] JolQmsf] cGo rn, crn ;DklQ d÷xfdL hdfgL lbg]sf] 3/ 3/fgfsf
cGo rn crn hfoh]yfaf6 c;"npk/ ul/lnPdf d]/f]÷xfd|f] d~h"/L 5 . kl5 Psfn] lnP, vfPsf] C0f d÷xfdL
hdfgt lbg]n] ltg{ a'emfpg kg]{ xf]O{g egL jf cGo s'g} Joxf]/fn] ph'/ afh'/ ug]]{ 5}g u/] o;} lnvtn] ab/ u/fO{
lng' egL of] hdfgLsf] lnvt tkfO{+ wgL a}+ssf] ============ l:yt ====== sfof{no ===========df a;L n]lv 6fO{k
u/fO{ k9L jfrL o:sf] dtna / kl/0ffd /fd|/L ;DemL a'emL d]/f]÷xfd|f] dgf]dfgL v'zL/fhLn] ;lx5fk u/L tkfO{+ wgL
a}+snfO{ lbofF / o:sf] Ps k|lt bfxf]/f] a'emL lnPF÷lnof}+ . ;fIfL lsgf/fsf ;b/ .
tklzn
!= o;df pNn]lvt C0f shf{ tyf a}+lsË ;'ljwfx?sf] tkfO{+ wgL a}+snfO{ ltg{ a'emfpg kg]{ /sd, snd ltg]{
a'emfpg] ;DaGwdf d hdfgt lbg]sf] bfloTj d"n C0fL ;/x g} x'g]5, h; cg';f/ tkfO{+ wgL a}+sn] pQm
C0f shf{ tyf a}+lsË ;'ljwfx? ltg{ a'emfpg afFsL /sd snd ;f]em} d÷xfdL hdfgL lbg];Fu dfu ug{ ;Sg]
/ pk/f]Qm /sd, snd d}n]÷xfdLn] tkfO{+ wgL a}+snfO{ C0fL ;/x k|fylds bfloTj sf ?kdf ltg{ a'emfpg
kg]{ / pk/f]Qm adf]lhdsf] C0f shf{sf] ;Dk"0f{ /sd snd r'Qmf e'Qmfg geP;Dd ;f] k|lt d]/f]÷xfd|f] bfloTj
lg/Gt/ /xL /xg] s'/fdf d]/f]÷xfd|f] d~h"/L 5 .

@= o;df pNn]lvt C0f shf{ tyf a}+lsË sf/f]af/ ;'ljwfsf] ltg{ a'emfpg afFsL ;fFjf, Jofh tyf cGo /sd
snd tkfO{+ wgL a}+sn] dfu u/]sf] avt ltg{ a'emfpg d]/f]÷xfd|f] d~h"/L 5 .
#= C0fLn] tkfO{+ wgL a}+saf6 k|fKt ljleGg C0f shf{ tyf a}+lsË sf/f]af/ ;'ljwfsf] ltg{, a'emfpg kg]{ ;fFjf,

342 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 Jofh, sldzg, kmL, dflh{g cflb /sd sndsf] ;do ;dodf ls:tf e'Qmfg u/]sf] jf cf+lzs r'Qmf u/]sf] jf
;f]dWo] s]xL r'Qmf u/]sf] cfwf/df d}n]÷xfdLn] dfly k|s/0f g+= ! / @ adf]lhd axg ug{ :jLsf/ tyf d~h"/
u/]sf] k|fylds bfloTjsf] s'/fdf s'g} k|lts"n k|efj kf/]sf] dflgg] 5}g / pNn]lvt k|fjwfgsf] ;j{dfGotfdf
s'g} k|lts"n jf ljkl/t k|efj gkg]{ u/L afFsL /sd, snd ltg{ a'emfpg d]/f]÷xfd|f] d~h"/L 5 .
$= tkfO{+ wgL a}+sn] C0fL;Fu pNn]lvt C0f shf{ tyf a}+lsË sf/f]jf/ ;'ljwfsf] ;Gbe{df cGo rn, crn
hfoh]yf ;'/If0fsf] ?kdf u|x0f u/]sf] jf lwtf]aGwsL n]vfO{ lnPsf] jf cGo t];|f] JolQm ;d]t;Fu hdfgt
lnPsf] jf To;/L lnPsf] ;'/If0f km's'jf u/L lbPsf] jf hdfgtaf6 5'6sf/f lbPsf] jf C0fL jf t];|f] JolQm;Fu
C0f shf{ r'Qmf e'Qmfg ug]{ ;DaGwdf ;Demf}tf ldnfkq u/L Dofb yk u/L lbPsf] jf 5'6 ldGxf lbPsf] jf
cGo zt{ sa"lnot u/]sf], zt{ sa"lnotdf kl/jt{g jf ;+zf]wg u/]sf] jf C0f shf{ gjLs/0f u/]sf] jf yk
C0f shf{ lbPsf] eGg] cflb s'g} klg cfwf/df d}n]÷xfdLn]] o; lnvt adf]lhd k|fylds ?kdf Joxf]g{ d~h"/
u/]sf] bfloTjdf s'g} k|lts'n jf ljkl/t k|efj k/]sf] dflgg] 5}g / d}n]÷xfdLn] :jLsf/ tyf d~h"/ u/]sf]
bfloTj k|fylds bfloTjsf] ?kdf d}n]÷xfdLn] lgjf{x tyf jxg ug'{ kg]{ d]/f]÷xfd|f] st{Jo oyfjt /xL /xg]
5 / d}n]÷xfdLn] tkfO{+ wgL a}+ssf] kIfdf u/L lbPsf] o; hdfgLsf] lnvt jdf]lhd tkfO{+ wgL a}+s k|ltsf]
d]/f]÷xfd|f] bfloTj JolQmut / ;fy} ;fd"lxs -x'g] eGg] s'/fdf d]/f]÷xfd|f] d~h"/L 5 . h; cg';f/ tkfO{+ wgL
a}+sn] cfˆgf] thljhdf C0f shf{sf] ;'/If0f afkt cGo rn crn ;DklQ /x]sf] jf cGon] hdfgt u/L
lbPsf] cj:yfdf ;d]t o; lnvt adf]lhd hdfgL u/L lbPsf] xb;Ddsf] /sd snd
;f]em} d÷xfdL;Fu JolQmut ?kdf c;"npk/ u/L lng ;Sg] s'/fdf d]/f]÷xfd|f] d~h"/L 5 .
%= sy+sbflrt C0fLn] tkfO{+ wgL a}+snfO{ ltg{ a'emfpg kg]{ ;Dk"0f{ /sd snd r'Qmf e'Qmfg x'g' cl3 g} d]/f]
d[To" ePdf pk/f]Qm cj:yfdf d]/f] z]ifkl5 daf6 c+z÷ck'tfnL k|fKt ug]{ xsjfnf÷c+lzof/÷pQ/flwsf/Lx?
n] o; lnvt adf]lhdsf] bfloTj lghn] k|fKt u/]sf c+z÷ck'tflnsf] xb;Dd jxg ug'{ kg]{5 / tkfO{+
wgLn] C0fLaf6 k|fKt ug'{ kg]{ ;Dk"0f{ /sd snd r'Qmf e'Qmfg geP;Dd lgh
xsjfnf÷c+lzof/÷pQ/flwsf/Lx? pNn]lvt bfloTj adf]lhdsf] /sd, snd tkfO{+ wgL a}+snfO{ r'Qmf
e'Qmfg ug{ hjfkmb]xL / lhDd]jf/ /xg] s'/fdf d]/f]÷xfd|f] d~h"/L 5 .
^= sy+sbflrt C0fL 6f6 kN6]df jf C0fLsf] d[To" ePdf jf C0fL a]kQf ePdf jf c;Ifd JolQm e} sfg"gtM C0f
shf{sf] bfloTjjf6 d'Qm ePdf cGo s'g} sf/0fn] C0fL shf{ afktsf] ;fFjf, Jofh tyf a}+lsË ;'ljwf ;d]t
r'Qmf e'Qmfg ug{ c;dy{ ePdf ;d]t tkfO{+ wgL a}+snfO{ o; hdfgLsf] lnvt adf]lhd ltg{ a'emfpg d~h"/
u/]sf] bfloTjdf s'g} k|lts'n k|efj k/]sf] dflgg] 5}g . d]/f÷xfd|f] tkfO{+ wgL a}+sk|lt o; lnvt adf]lhdsf]
ltg{ a'emfpg kg]{ bfloTjsf] l:yltdf s'g} kl/jt{g ePsf] dflgg] 5}g / o:tf] bfloTj r'Qmf e'Qmfg geP;Dd
oyfjt sfod /xL /xg]5 . pk/f]Qm bfloTj cGtu{t ltg{ a'emfpg kg]{ /sd snd ltg{ a'emfpg d]/f]÷xfd|f]
d~h"/L 5 .
&= C0fLn] tkfO{+ wgL a}+snfO{ of] olt ltg{ kg]{ egL cbfntsf] km};nfåf/f 7x/ u/L lbPsf] /sd snd jf tkfO{+
wgL a}+sn] C0fLnfO{ lnvt ;"rgf lbO{ dfu u/]sf] ltg{ a'emfpg afFsL /sd snd jf tkfO{+ wgL a}+ssf] C0f
:jLs[t–kq, vftfaxL, :6]6d]06 cflbaf6 C0fLn] tkfO{+ wgL a}+snfO{ ltg{ a'emfpg afFsL b]lvPsf] /sd snd
g} C0fLn] tkfO{+ wgL a}+snfO{ ltg{ a'emfpg kg{] jf:tljs bfloTjsf] ?kdf dflgg] / ;f]xL cfwf/df tkfO{+ wgL
a}+sn] lnlvt ;"rgf lbO{ d hdfgL;Fu /sd snd ltg{ a'emfpg dfu u/]sf] ;"rgfnfO{ clGtd tyf csf6\o
k|df0f sf] ?kdf :jLsf/ u/L ;f] dfu u/]sf] ;"rgfdf pNn]lvt /sd snd

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 343

 cg';"rL @*=&
oyflz3| ltg{ a'emfpg d]/f]÷xfd|f] d~h"/L 5 . ;f] ;DaGwdf s'g} ph'/ jfh'/ ug]{ 5}g .
*= pk/f]Qm k|s/0fx?df h] h:tf] Joxf]/f pNn]v ePtfklg o; lnvt adf]lhd d]/f÷xfd|f] bfloTj tkfO{+ wgL a}+sn]
C0fLnfO{ k|bfg ug]{ pk/f]Qm /sdsf] C0f shf{ tyf a}+lsË sf/f]af/ ;'ljwf / ;f]df a}+s lgodfg';f/ x'g] Jofh,
k]gfn Jofh, dflh{g, kmL, sldzg tyf cGo /sd snd ;d]tsf] xb;Dd dfq ;Lldt /xg]5 .
(= o; lnvt adf]lhd d~h"/ u/]sf] zt{ aGb]hx? kfng gu/]df jf hdfgL lbg]sf] bfloTj k"/f gu/]df tkfO{+ wgL
a}+sn] d'Vo C0fL ;/x k|rlnt sfg"g adf]lhd pNn]lvt /sd hf] h] ug'{ kg]{ u/L c;"npk/ u/L d÷xfdLnfO{
a}+ssf] lgodfg';f/ tyf g]kfn /fi6« a}+ssf] lgb]{zgsf] k|s[of k"/f u/L sfnf] ;"rLdf /fv]df ;d]t d÷xfdL
hdfgt lbg]sf] d~h"/L 5 . kl5 o; ljifodf slx st} ph'/ afh'/ ug]{ 5}g÷5}gf}+ .
!)= d÷xfdL / C0fLsfaLrdf n]gb]g sf/f]af/ eO{ pk/f]Qm cg';f/ C0fLn] dnfO{ /sd snd ltg{, a'emfpg' kg]{
cj:yfdf ;d]t C0fLn] tkfO{+ wgL a}+snfO{ ltg{ a'emfpg kg]{ /sd snd lt/L a'emfO{ km5\of}{6 geP;Dd d}n]
C0fL;Fu n]gb]g sf/f]af/ cGtu{t k|fKt ug'{ kg]{ /sd k|fKt ug{sf nflu s'g} lsl;dsf] bfjf ug]{ jf sfg"gL
sf/jfxL rnfpg] 5}g .
!!= o; lnvt adfl]hd tkfO{+ wgL as } n] /sd snd dfu u/L d÷xfdLnfO{ lnvt ;"rgf lbg' kg]{ ePdf tkfO{+ wgL
as} nfO{ dn ] xfdLn] To:tf] ;"rgf lbg' cl3 clGtd k6s pknAw u/fPsf] 3/ 7u] fgfdf JolQm jf x'nfs dfkmt{\
} ÷
jf ljB'tLo ;~rf/ dfWod -ˆofS;, Od{n ] cflb_ af6 ;"rgf lbg ;lsg5] . To;/L JolQm dfkmt{ \ lbPsf] ;"rgfsf]
xsdf a'emfPsf] ldltn] / x'nfs dfkmt{\ k7fPsf] ;"rgf /lhi6«8{ u/]sf] ldltn] !% lbgleq tyf ljB'tLo ;~rf/
dfWodaf6 k7fPsf] xsdf ;"rgf k7fPsf] ldltn] # lbgleq dn } ÷
] xfdLn] kfKt u/]sf] dflgg5] . ;fy} tkfO{+ wgL
as } n] x'nfs dfkmt{ \ /lhi6«8{ u/L jf ljB'tLo ;~rf/ dfWodaf6 d/] f] 7]ufgfdf of] ldltdf ;"rgf k7fPsf] egL
lnlvt ?kdf kdfl0ft u/L lbPdf ;f] s'/f cGoyf kdfl0ft geP;Dd To:tf] ;"rgf k7fPsf] s'/fsf] csf6o\ tyf
clGtd kdf0f (Final and Conclusive Evidence) sf] ?kdf x'g] s'/fdf ;dt] d]/f] d~h"/L 5 .
!@= d]/f]÷xfd|f] gfdsf] s'g} klg rn crn ;DklQ /f]Ssf /fVg To:tf] rn crn ;DklQaf6 a}+sn] O{R5fPsf]
tl/sf cg';f/ c;"npk/ u/L lng kfpg]df ;d]t d]/f]÷xfd|f] d~h"/ 5 . d]/f]÷xfd|f] rn crn ;DklQaf6 dfq
lnnfd lalqm u/L shf{ c;"npk/ ug{ kfpg] xf]Og jf kl5 yk shf{sf] hdfgt d÷xfdL 5}g jf csf]{ lwtf]
km's'jf ug{ kfpg] xf]Og eGg] ;d]tsf s'g} s'/f ug]{ 5}g÷5}gf}+ .
;fIfLx?M
!=

@=
O{lt ;Djt\ @)&===== ;fn ======== dlxgf === ut] /f]h ========= z'ed\ .
bfofF jfofF

hdfgLstf{sf] cf}7f5fFk
-gf]6M o;/L JolQmut x}l;otn] hdfgt lbbf Psf3/ ;uf]nsf pd]/ k'u]sf] kl/jf/sf ;b:odWo] sDtLdf Ps
hgfnfO{ ;fIfL /fVg' kg]{5 ._

344 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 kmd{÷sDkgLn] lng] shf{sf nflu ul/lbg] JolQmut hdfgtsf] lnvt

lnlvtd\ hdfgLsf] lnvt u/fO{ lng]sf] gfd sf7df8f} lhNnf, sf7df8f} dxfgu/kflnsf /fdZffxkydf d'Vo sfof{no
/xL ========= = l:yt ====== sfof{no ======== /x]sf] s[lif ljsf; a}+s ln= -h;nfO{ o; kl5 o; lnvtdf wgL a}+s
elgPsf] 5_ / hdfgLsf] lnvt u/L lbg]sf] gfd ====================================== sf] gftL÷gftLgL ============================
sf] 5f]/f÷5f]/L÷a'xf/L========================sf] kTgL===============lhNnf =================g=kf=÷uf=kf=
j8f g+ ==========a:g] aif{ ==== sf]÷sL >L÷>LdtL÷;'>L=========================================, gf=k|=g+= ============,
ldlt ==================lhNnf ========== -h;nfO{ o;kl5 o; lnvtdf hdfgt lbg] egL ;Daf]wg ul/Psf]
5_ cfu], tkfO{+ wgL a}+sn] d]/f]÷xfd|f] cg'/f]w tyf d}n]÷xfdLn] hdfgL lbg] zt{df =======================
P]g ======== adf]lhd ===================================== sfof{no÷ljefudf btf{ g+= ================ cGtu{t
ldlt ===================df /lhi6«8{÷btf{ ePsf] ============ lhNnf ==================== uf=kf= j8f g+= ==== ,
=============== l:yt /lhi6«8{÷btf{ sfof{no /x]sf] ===========================ln=÷k|f=ln=÷kmd{ -h;nfO{ o;kl5
o; lnvtdf C0fL egL ;Daf]wg ul/Psf] 5_ nfO{ tkfO{+ wgL a}+saf6 ldlt ================ sf] shf{ :jLs[lt
kqg';f/ C0f shf{ ?=====================. -cIf]?kL ====================== dfq_ / ========= ;'ljwf ?==========.
-cIf]?kL ====================== dfq_ u/L hDdf ?==========. -cIf]?kL ====================== dfq_ sf] C0f shf{
tyf a}+lsË ;'ljwfx? o; cl3 ;do ;dodf k|bfg u/]sf], ub}{ cfPsf] / ;fy} eljiodf k|bfg ug]{ C0f shf{ tyf
cGo a}+lsË ;'ljwfx? tyf ;f] gjLs/0f ePdf ;f] ;d]tdf tklzndf pNn]lvt zt{ aGb]hx? k/L kfngf ug]{ u/L
tkfO{+ wgL a}+snfO{ ltg{ a'emfpg kg]{ ;fFjf, Jofh, sldzg, kmL, dflh{g cflb cGo /sd snd ;d]t r'Qmf e'Qmfg
ug]{ u/L hdfgt al;lbg d]/f]÷xfd|f] d~h"/L ePsf]n] tkfO{+ wgL a}+snfO{ C0fLn] ltg{ a'emfpg kg]{ pNn]lvt shf{
tyf a}+lsË ;'ljwf /sd snd tkfO{+ wgL a}+sn] dfu u/]df tkl;n adf]lhdsf] zt{ aGb]hsf] cwLgdf /xL d÷xfdL
hdfgL lbg] cfkm}n] ltg]{ a'emfpg d~h"/ u/L of] hdfgLsf] lnvt u/L lbPsf] 5'÷5f}+ . tkfO{+ wgL a}+sn] dfu u/]sf
avt glt/], ga'emfPdf jf a'emfpg cfn6fn u/]df tkfO{+ wgL a}+sn] d÷xfdL hdfgt lbg] JolQmsf] 3/ 3/fgfsf]
cGo rn, crn hfoh]yfaf6 c;"npk/ u/L lnPdf d]/f]÷xfd|f] d~h"/L 5 . kl5 Psfn] lnP, vfPsf] C0f d
hdfgt lbg] JolQmn] ltg{ a'emfpg kg]{ xf]O{g egL jf cGo s'g} Joxf]/fn] ph'/ afh'/ ug]]{ 5}g u/] o;} lnvtn] jb/
u/fO{ lng' egL of] hdfgLsf] lnvt tkfO{+ wgL a}+ssf] ========= l:yt =====sfof{no===========df a;L n]lv 6fO{k
u/fO{ k9L jfrL o:sf] dtnj / kl/0ffd /fd|/L ;DemL a'emL d]/f]÷xfd|f] dgf]dfg v'zL/fhLn] ;lx5fk u/L tkfO{+ wgL
a}+snfO{ lbofF / o:sf] Ps k|lt bf]xf]/f] a'emL lnPF÷lnof}+ . ;fIfL lsgf/fsf ;b/ .
tkl;n
!= o;df pNn]lvt C0f shf{ tyf a}+lsË ;'ljwfx?sf] tkfO{+ wgL a}+snfO{ ltg{ a'emfpg kg]{ /sd, snd ltg]{
a'emfpg] ;DaGwdf d hdfgt lbg]sf] bfloTj d"n C0fL ;/x g} x'g]5, h; cg';f/ tkfO{+ wgL a}+sn] pQm
C0f shf{ tyf a}+lsË ;'ljwfx? ltg{ a'emfpg afFsL /sd snd ;f]em} d÷xfdL hdfgL lbg];Fu dfu ug{ ;Sg]
/ pk/f]Qm /sd, snd d}n]÷xfdLn] tkfO{+ wgL a}+snfO{ C0fL ;/x k|fylds bfloTj sf ?kdf ltg{ a'emfpg
kg]{ / pk/f]Qm adf]lhdsf] C0f shf{sf] ;Dk"0f{ /sd snd r'Qmf e'Qmfg geP;Dd ;f] k|lt d]/f÷xfd|f] bfloTj
lg/Gt/ /xL /xg] s'/fdf d]/f]÷xfd|f] d~h"/L 5 .
@= o;df pNn]lvt C0f shf{ tyf a}+lsË sf/f]af/ ;'ljwfsf] ltg{ a'emfpg afFsL ;fFjf, Jofh tyf cGo /sd
snd tkfO{+ wgL a}+sn] dfu u/]sf] avt ltg{ a'emfpg d]/f]÷xfd|f] d~h"/L 5 .
#= C0fLn] tkfO{+ wgL a}+saf6 k|fKt ljleGg C0f shf{ tyf a}+lsË sf/f]af/ ;'ljwfsf] ltg{, a'emfpg kg]{ ;fFjf,
Jofh, sldzg, kmL, dflh{g cflb /sd sndsf] ;do ;dodf ls:tf e'Qmfg u/]sf] jf cf+lzs r'Qmf u/]sf] jf

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 345

 ;f]dWo] s]xL r'Qmf u/]sf] cfwf/df d}n]÷xfdLn] dfly k|s/0f g+= ! / @ adf]lhd axg ug{ :jLsf/ tyf d~h"/
u/]sf] k|fylds bfloTjsf] s'/fdf s'g} k|lts"n k|efj kf/]sf] dflgg] 5}g / pNn]lvt k|fjwfgsf] ;j{dfGotfdf
s'g} k|lts"n jf ljkl/t k|efj gkg]{ u/L afFsL /sd, snd ltg{ a'emfpg d]/f]÷xfd|f] d~h"/L 5 .
$= tkfO{+ wgL a}+sn] C0fL;Fu pNn]lvt C0f shf{ tyf a}+lsË sf/f]jf/ ;'ljwfsf] ;Gbe{df cGo rn, crn
hfoh]yf ;'/If0fsf] ?kdf u|x0f u/]sf] jf lwtf]aGws n]vfO{ lnPsf] jf cGo t];|f] JolQm ;d]t;Fu hdfgt
lnPsf] jf To;/L lnPsf] ;'/If0f km's'jf u/L lbPsf] jf hdfgtaf6 5'6sf/f lbPsf] jf C0fL jf t];|f] JolQm;Fu
C0f shf{ r'Qmf e'Qmfg ug]{ ;DaGwdf ;Demf}tf ldnfkq u/L Dofb yk u/L lbPsf] jf 5'6 ldGxf lbPsf] jf
cGo zt{ sa"lnot u/]sf], zt{ sa"lnotdf kl/jt{g jf ;+zf]wg u/]sf] jf C0f shf{ gjLs/0f u/]sf] jf yk
C0f shf{ lbPsf] eGg] cflb s'g} klg cfwf/df d}n]÷xfdLn]] o; lnvt adf]lhd k|fylds ?kdf Joxf]g{ d~h"/
u/]sf] bfloTjdf s'g} k|lts'n jf ljkl/t k|efj k/]sf] dflgg] 5}g / d}n]÷xfdLn] :jLsf/ tyf d~h"/ u/]sf]
bfloTj k|fylds bfloTjsf] ?kdf d}n]÷xfdLn] lgjf{x tyf jxg ug'{ kg]{ d]/f]÷xfd|f] st{Jo oyfjt /xL /xg]
5 / d}n]÷xfdLn] tkfO{+ wgL a}+ssf] kIfdf u/L lbPsf] o; hdfgLsf] lnvt jdf]lhd tkfO{+ wgL a}+s k|ltsf]
d]/f]÷xfd|f] bfloTj JolQmut / ;fy} ;fd"lxs -x'g] eGg] s'/fdf d]/f]÷xfd|f] d~h"/L 5 . h; cg';f/ tkfO{+ wgL
a}+sn] cfˆgf] thljhdf C0f shf{sf] ;'/If0f afkt cGo rn crn ;DklQ /x]sf] jf cGon] hdfgt u/L
lbPsf] cj:yfdf ;d]t o; lnvt adf]lhd hdfgL u/L lbPsf] xb;Ddsf] /sd snd ;f]em} d÷xfdL;Fu
JolQmut ?kdf c;"npk/ u/L lng ;Sg] s'/fdf d]/f]÷xfd|f] d~h"/L 5 .
%= sy+sbflrt C0fLn] tkfO{+ wgL a}+snfO{ ltg{ a'emfpg kg]{ ;Dk"0f{ /sd snd r'Qmf e'Qmfg x'g' cl3 g} d]/f]
d[To" ePdf pk/f]Qm cj:yfdf d]/f] z]ifkl5 daf6 c+z÷ck'tfnL k|fKt ug]{ xsjfnf÷c+lzof/÷pQ/flwsf/Lx?
n] o; lnvt adf]lhdsf] bfloTj lghn] k|fKt u/]sf c+z÷ck'tflnsf] xb;Dd jxg ug'{ kg]{5 / tkfO{+
wgLn] C0fLaf6 k|fKt ug'{ kg]{ ;Dk"0f{ /sd snd r'Qmf e'Qmfg geP;Dd lgh
xsjfnf÷c+lzof/÷pQ/flwsf/Lx? pNn]lvt bfloTj adf]lhdsf] /sd, snd tkfO{+ wgL a}+snfO{ r'Qmf
e'Qmfg ug{ hjfkmb]xL / lhDd]jf/ /xg] s'/fdf d]/f÷xfd|f] d~h"/L 5 .
^= sy+sbflrt C0fL 6f6 kN6]df jf C0fLsf] d[To" ePdf jf C0fL a]kQf ePdf jf c;Ifd JolQm e} sfg"gtM C0f
shf{sf] bfloTjaf6 d'Qm ePdf cGo s'g} sf/0fn] C0fL shf{ afktsf] ;fFjf, Jofh tyf a}+lsË ;'ljwf ;d]t
r'Qmf e'Qmfg ug{ c;dy{ ePdf ;d]t tkfO{+ wgL a}+snfO{ o; hdfgLsf] lnvt adf]lhd ltg{ a'emfpg d~h"/
u/]sf] bfloTjdf s'g} k|lts'n k|efj k/]sf] dflgg] 5}g . d]/f]÷xfd|f] tkfO{+ wgL a}+sk|lt o; lnvt adf]lhdsf]
ltg{ a'emfpg kg]{ bfloTjsf] l:yltdf s'g} kl/jt{g ePsf] dflgg] 5}g / o:tf] bfloTj r'Qmf e'Qmfg geP;Dd
oyfjt sfod /xL /xg]5 . pk/f]Qm bfloTj cGtu{t ltg{ a'emfpg kg]{ /sd snd ltg{ a'emfpg d]/f]÷xfd|f]
d~h"/L 5 .
&= C0fLn] tkfO{+ wgL a}+snfO{ of] olt ltg{ kg]{ egL cbfntsf] km};nfåf/f 7x/ u/L lbPsf] /sd snd jf tkfO{+
wgL a}+sn] C0fLnfO{ lnvt ;"rgf lbO{ dfu u/]sf] ltg{ a'emfpg afFsL /sd snd jf tkfO{+ wgL a}+ssf] C0f
:jLs[t–kq, vftfaxL, :6]6d]06 cflbaf6 C0fLn] tkfO{+ wgL a}+snfO{ ltg{ a'emfpg afFsL b]lvPsf] /sd snd
g} C0fLn] tkfO{+ wgL a}+snfO{ ltg{ a'emfpg kg{] jf:tljs bfloTjsf] ?kdf dflgg] / ;f]xL cfwf/df tkfO{+ wgL
a}+sn] lnlvt ;"rgf lbO{ d hdfgL;Fu /sd snd ltg{ a'emfpg dfu u/]sf] ;"rgfnfO{ clGtd tyf csf6\o
k|df0f sf] ?kdf :jLsf/ u/L ;f] dfu u/]sf] ;"rgfdf pNn]lvt /sd snd oyflz3| ltg{ j'emfpg d]/f÷xfd|f]
d~h"/L 5 . ;f] ;DaGwdf s'g} ph'/ jfh'/ ug]{ 5}g .
*= pk/f]Qm k|s/0fx?df h] h:tf] Joxf]/f pNn]v ePtfklg o; lnvt adf]lhd d]/f÷xfd|f] bfloTj tkfO{+ wgL a}+sn]
C0fLnfO{ k|bfg ug]{ pk/f]Qm /sdsf] C0f shf{ tyf a}+lsË sf/f]af/ ;'ljwf / ;f]df a}+s lgodfg';f/ x'g] Jofh,

346 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 k]gfn Jofh, dflh{g, kmL, sldzg tyf cGo /sd snd ;d]tsf] xb;Dd dfq ;Lldt /xg]5 .
(= o; lnvt adf]lhd d~h"/ u/]sf] zt{ aGb]hx? kfng gu/]df jf hdfgL lbg]sf] bfloTj k"/f gu/]df tkfO{+ wgL
a}+sn] d'Vo C0fL ;/x k|rlnt sfg"g adf]lhd pNn]lvt /sd hf] h] ug'{ kg]{ u/L c;"npk/ u/L d÷xfdLnfO{
a}+ssf] lgodfg';f/ tyf g]kfn /fi6« a}+ssf] lgb]{zgsf] k|s[of k"/f u/L sfnf] ;"rLdf /fv]df ;d]t d÷xfdL
hdfgt lbg]sf] d~h"/L 5 . kl5 o; ljifodf slx st} ph'/ afh'/ ug]{ 5}g÷5}gf} .
!)= d÷xfdL / C0fLsfaLrdf n]gb]g sf/f]af/ eO{ pk/f]Qm cg';f/ C0fLn] dnfO{ /sd snd ltg{, a'emfpg' kg]{
cj:yfdf ;d]t C0fLn] tkfO{+ wgL a}+snfO{ ltg{ a'emfpg kg]{ /sd snd lt/L a'emfO{ km5\of}{6 geP;Dd d}n]
C0fL;Fu n]gb]g sf/f]af/ cGtu{t k|fKt ug'{ kg]{ /sd k|fKt ug{sf nflu s'g} lsl;dsf] bfjf ug]{ jf sfg"gL
sf/jfxL rnfpg] 5}g .
!!= o; lnvt adf]lhd tkfO{+ wgL a}+sn] /sd snd dfu u/L d÷xfdLnfO{ lnvt ;"rgf lbg' kg]{ ePdf tkfO{+
wgL a}+snfO{ d}n]÷xfdLn] To:tf] ;"rgf lbg' cl3 clGtd k6s pknAw u/fPsf] 3/ 7]ufgfdf JolQm jf
x'nfs dfkm{t\ jf ljB'tLo ;~rf/ dfWod -ˆofS;, O{d]n cflb_ af6 ;"rgf lbg ;lsg]5 . To;/L JolQm dfkm{t\
lbPsf] ;"rgfsf] xsdf a'emfPsf] ldltn] / x'nfs dfkm{t\ k7fPsf] ;"rgf /lhi6«8{ u/]sf] ldltn] !% lbgleq
tyf ljB'tLo ;~rf/ dfWodaf6 k7fPsf] xsdf ;"rgf k7fPsf] ldltn] # lbgleq d}n]÷xfdLn] k|fKt u/]sf]
dflgg]5 . ;fy} tkfO{+ wgL a}+sn] x'nfs dfkm{t\ /lhi6«8{ u/L jf ljB'tLo ;~rf/ dfWodaf6 d]/f] 7]ufgfdf of]
ldltdf ;"rgf k7fPsf] egL lnlvt ?kdf k|dfl0ft u/L lbPdf ;f] s'/f cGoyf k|dfl0ft geP;Dd To:tf] ;"rgf
k7fPsf] s'/fsf] csf6\o tyf clGtd k|df0f sf] ?kdf x'g] s'/fdf ;d]t d]/f] d~h"/L 5 .
!@= d]/f]÷xfd|f] gfdsf] s'g} klg rn crn ;DklQ /f]Ssf /fVg To:tf] rn crn ;DklQaf6 a}+sn] O{R5fPsf]
tl/sf cg';f/ c;"npk/ u/L lng kfpg]df ;d]t d]/f]÷xfd|f] d~h"/ 5 . d]/f]÷xfd|f] rn crn ;DklQaf6 dfq
lnnfd lalqm u/L shf{ c;"npk/ ug{ kfpg] xf]Og jf kl5 yk shf{sf] hdfgt d÷xfdL 5}g jf csf]{ lwtf]
km's'jf ug{ kfpg] xf]Og eGg] ;d]tsf s'g} s'/f ug]{ 5}g÷5}gf}+ .

;fIfLx?M

!=

@=
O{lt ;Djt\ @)===== ;fn ======== dlxgf === ut] /f]h ========= z'ed\ .

bfofF jfofF
hdfgLstf{sf] cf}7f5fFk

-gf]6M o;/L JolQmut x}l;otn] hdfgt lbbf Psf3/ ;uf]nsf pd]/ k'u]sf] kl/jf/sf ;b:odWo] sDtLdf Ps
hgfnfO{ ;fIfL /fVg' kg]{5 ._

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 347

 [æcg";'lr–@*=*-s_
;fd'lxs hdfgL
lnlvtd == === ==== === ==== === ===== ;d'xsf] tkm{af6 xfdL tkl;n adf]lhdsf
;d'x ;b:o x?sf] ldlt ===============sf] ;+nUg ;fd'lxs lg0f{o adf]lhd ==== =====
@= ========= lhNnf ====================kflns=============== j8f g+= ======== ====== 6f]n a:g] ===== aif{sf] >L ===============
!= ========== lhNnf================== kflnsf ==========j8f g+= ======== ====== 6f]n a:g] ===== aif{sf] >L ===============
;fIfLx?
=======c~rn============== lhNnf================ kflnsf===== ======= j8f g+========
===========6f]n =========== df df a:g] ==== ===jif{sf] === === === === === === === === === n]]
=== === === === === === === === === :yfgdf ;+rflnt÷;+rfng ug]{
=============================== kl/of]hgf sf nflu s[lif ljsf; a}+s ln= === === === ===
sfof{no -o; kl5 a}+s elgPsf]_ === === === === af6 ========= p2]Zodf shf{ ?= ===
=== === ==.– -cIf]/]kL === === === === === === === _ dfq shf{ ln+bf ldlt
=================df tdf;'s u/L === === === === === === lwtf] n]lvlbPsf]df pQm a}+ssf
sfuh tof/ ug]{sf] gfd÷=============kb÷========sf]8 g+=÷b:tvt÷=====ldlt ============

C0fL u|fxs ====================== === === === === n] a}+s ;+usf] zt{ ;Demf}tf pNn+3g u/L
shf{ glt/]df u|fxs ===================================== n] shf{ ln+bf n]lv lbPsf] ===
=== === === === lwtf]af6 / a}+ssf C0fL u|fxs sf] gfdsf] cGo h]yfaf6 ;d]t a}+ssf]
n]gf /sd c;'n x'g g;s]df xfd|f] tyf xfd|f] Psf3/kl/jf/sf] rn crn ;DkQL /f]Ssf
ul/ jf gu/L lnnfd laqmL jf cGo Joj:yfaf6 a}+sn] n]gf /sd c;'n u/]df xfd|f] d~h'/L
5 elg xfd|f] dgf]dfgL v'l; /fhLn] s[lif ljsf; a}+s ln= ============= sfof{no
==============df al; lsgf/fsf ;f+IfLsf] /f]xa/df of] ;fd'lxs hdfgLsf] sfuh ul/lbof}+ .

348 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 qm=;+= hdfgL lbg]sf] gfd 7]ufgf afa'÷ktL afh]÷;;'/f b:tvt cf}7f5fk
bfofF afofF
!

&

Olt;Dat @)========== ;fn==== =======dlxgf========= ut] ======== /f]h z'ed\ .

b:tvt M–
gfd M–
gf=k|=g+= M–
lhNnf M– Æ ] 393

393
;+rfns ;ldltsf] ldlt @)&%.)(.)% sf] a}7s g+= &@! sf] lg0f{o adf]lhd yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 349

 k|lt1f–kq
(Promissory Note)

?===================.– - cIf]?kL============================================_

lnlvtd\ ==========================sf] gftL÷gfltgL÷a'xf/L============================== sf] 5f]/f÷5f]/L÷>LdtL

===================lhNnf ============ g=kf=÷uf=kf= j8f g+= ==========a:g] jif{ =======sf] >L÷>LdtL÷;'>L
========================= -gf=k|=g+=========== ldlt=======================÷lhNnf k|zf;g sfof{no
====================_ cfu], tkfO{+ s[lif ljsf; a}+s lnld6]8af6 ljleGg ldltdf k|fKt u/]sf] C0f shf{ nufot
cGo a}+lsË ;'ljwfx? k|fKt u/] afkt tkfO{+ s[lif ljsf; a}+s lnld6]8, ========sfof{no====== ====n] lnlvt
?kdf e'QmfgL dfu u/]sf avt tkfO{+nfO{ jf tkfO{+n] lgb]{zg jf cx|fPsf] JolQm÷;+:yfnfO{ ?=================== .–
-cIf]?kL=================================================_ / ;f]df e'QmfgL dfu u/]sf] ldlt;Ddsf] x'g cfpg]
Jofh ;d]t Psd'i6 /sd ltg{ a'´fpg k|lt1f÷sa"n u/L of] k|lt1fkqsf] lnvt ;lx 5fk u/L tkfO{+ s[lif ljsf;
a}+s lnld6]8, ===========sfof{no=========nfO{ lbPF .
k|lt1f ug]{ JolQmsf]
k|lt1f kqsf] lnvt ul/lbg]sf] gfdM ========================== b:tvt÷5fkM ============
cf}+7f5fk

bfofF jfofF

;fIfL
!= ===========lhNnf ============g=kf=÷uf=kf= j8f g+= ===== a:g] jif{========sf]÷sL ==============
@= ===========lhNnf ==========g=kf=÷uf=kf= j8f g+= == a:g] jif{========sf]÷sL ===================

#= sf/0fLn] k|:t't lnvt d]/f] ;fd'Gg]] ;lx5fk u/]sf] xf] egL ;gfvt ug]{ s[lif ljsf; a}+s lnld6]8sf sd{rf/L
==========================================

O{lt ;Djt\ @)===;fn=============dlxgf=======ut] /f]h=======z'ed\ .

350 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @*=!)
rfn' ;DklQ ;DaGwL kf/Lkf;' ;Demf}tf
lnlvtd\ wgLsf gfd k|rlnt sfg"g adf]lhd :yfkgf eO{ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# adf]lhd
;+rflnt ========= lhNnf==========g=kf=÷uf=kf=j8f g+= ===== l:yt s[lif ljsf; a}+s ln= -h;nfO{ o; kl5
s[lif ljsf; a}+s ln= elgPsf] 5_ sf tkm{af6 P]= sf clVtof/ k|fKt JolQm >L ==========================-! / P]=P]]
adf]lhd :yfkgf eO{ P]=P]=adf]lhd ;+rflnt ========== lhNnf ========= g=kf=÷uf=kf= j8f g+= ===============
l:yt d'Vo sfof{no /x]sf] =================== a}+s -h;nfO{ o;kl5 =============================elgPsf] 5_
sf tkm{af6 P]=sf clVtof/ k|fKt JolQm >L =========================-! ;d]t u/L hDdf @ j6f a}+sx? -o;kl5
pNn]lvt æa}+sx?Æ nfO{ ;+o'Qm ?kdf æwgL ;xefuL a}+sx?Æ elgPsf] 5_ lnvt u/L lbg] C0fLsf gfd
>L=====================================sf] gflt >L================================sf] 5f]/f =======================
lhNnf===========g=kf=÷uf=kf= j8f g+= =============== sf >L =============== -gf=k|=g+===========ldlt
====================df lh=k|=sf= ========= af6 hf/L ePsf]_ clVtof/L k|fKt JolQm ePsf] ====================
sfof{nodf ldlt ============df btf{ g+= =============== cGtu{t btf{ eO{ ============= lhNnf ===========
g=kf=÷uf=kf= j8f g+= ====== df /lhi6«8{ sfof{no /x]sf] >L ========================== -h;nfO{ o;kl5 æC0fL
sDkgLÆ elgPsf]_ cfu] d C0fLnfO{ pQm kmd{÷sDkgL dfkm{t\ Jofkf/ Joj;fo ug{ rfn' k'FhLsf] cfjZostf kl/k"lt{
ug{sf nflu tkfO{+ wgL ;xefuL a}+sx? dWo] ========================= a}+s ln= af6 ldlt ======================= sf]
C0f :jLs[lt kq cg'?k hDdf ?= ==========================-cIf]?kL ============================ dfq_ / =======
=========================== a}+s ln=af6 ldlt ================================sf] C0f :jLs[lt kq cg'?k hDdf ?=
================================ -cIf]?kL ==================================== dfq_ u/L ;+o'Qm C0f shf{ hDdf
?= ===============================-cIf]?kL ==================================== dfq_ sf nflu C0fL sDkgLn]
wgL ;xefuL a+}sx?sf] xs lxtdf u/L lbPsf]÷lbg] lwtf] ;'/If0fsf] lnvtx?sf] zt{ aGb]h tyf wgL ;xefuL
a}+sx?n] C0fL sDkgLnfO{ pknAw u/fPsf]÷u/fpg] shf{ :jLs[t kq, o; lnvtsf] zt{x? tyf cGo ;'/If0fsf
lnvtx?sf] clwgdf /xg] u/L lnP lbPsf] 7Ls ;fFrf] ePsf]n] tklzndf pNn]lvt zt{ adf]lhd ug{ u/fpg wgL
;xefuL a}+sx? tyf C0fL sDkgLn] d~h"/ u/L ==================================a}+s ln=sf] ===== sfof{no ======= al; of]
kfl/kf;' ;Demf}tfdf ;xL5fk u/L Ps÷Ps k|lt lnP÷lbPsf 5f}+ .

:jLs[t rfn' k'FhL shf{ tyf a}+ls· ;'ljwfx? / lwtf]df wgL ;xefuL a}+sx?sf] c+zsf] ljj/0f
=============== a}+s ln=
ljj/0f s[lif ljsf; a}+s ln= /sd ?=
/sd ?=
gub qm]l86÷cNksflng shf{÷rfn' k'FhL shf{

hDdf
k|ltzt

pk/f]Qm rfn' k'FhL shf{ tyf a}+lsË ;'ljwfx? -;f] shf{ ;'ljwfx?sf] ;Ldfleq /xL C0fL sDkgLn] pkef]u
ug]{ dfly pNn]lvt rfn' k'FhL shf{ tyf a}+lsË ;'ljwfx? ;d]t_ sf] ;'/If0f afkt\ xfdL C0fL sDkgLn] tkfO{+
wgL ;xefuL a}+sx?sf] kfl/kf;" -_ sf] cfwf/df xsflwsf/ cyf{t\ dfly pNn]lvt rfn' k'FhL shf{

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 351

 cg';"rL @*=!)
tyf a}+lsË ;'ljwfx? afkt ltg{ afFsL /sdsf] aSof}tfdf wgL ;xefuL a}+sx?sf] nufgL c+zsf] cg'kftdf
;dfg'kflts xsflwsf/ sfod x'g] u/L xfdL C0fL sDkgLsf] ;Dk"0f{ rn hfoh]yf tkfO{+ wgL ;xefuL a}+sx?sf]
kIfdf o;} lnvtaf6 lwtf] ;'/If0f n]lvlbof}+ .
tklznM
lwtf]df /x]sf] ;DklQsf] ljj/0fM
C0fL sDkgLsf] cfˆg} jf jxfn, ef8f lnPsf] =======================lhNnf================ g=kf=÷uf=kf= j8f
g+==== df sf/vfgf, uf]bfd 3/, k;n sjn, 6x/fleq jf ;f]sf] kl/;/ / xftfdf xfn e08f/ ul/Psf] jf /flvPsf]]
dfn;fdfg tyf eljiodf :yfkgf ul/g] yk uf]bfdx? / ;f]sf dfn;fdfgx? tyf cfoft÷vl/b ul/g]÷l;h{gf
ul/g] dfn;fdfgx? xfn tyf eljiodf e'QmfgL k|fKt ug{ afFsL /sdx? cflb C0fL sDkgLsf] gfddf xfn sfod
tyf eljiodf sfod x'g cfpg] ;Dk"0f{ rn ;DklQ ;d]t . zt{ aGb]hx?
-!_ k|:t't Joj:yf wgL ;xefuL a}+sx? / C0fL sDkgLaLr cfk;L ;dembf/Laf6 C0fL sDkgLsf gfdsf]
rn ;DklQdf lwtf] ljefhgdf wgL ;xefuL a}+sx?sf] nufgLsf] aSof}tfsf cfwf/df ;dfg'kflts xs
-kfl/kf;'_ l;h{gf ug]{ ax' a}+lsË Joj:yf -_ dfq ePsf] x'Fbf dfly pNn]v u/] adf]lhd C0fL sDkgLn]
pkef]u ug]{ shf{ tyf a}+ls+u ;'ljwfx?df nfUg] Jofh, sldzg, lkm, z'Ns cflb wgL ;xefuL a}+sx?n]
5'6[f5'6[} ?kdf C0fL sDkgLsf] gfddf hf/L u/]sf]÷ug]{ C0f :jLs[t kq df pNn]v u/] adf]lhd ;do
;dodf ltg'{ a'emfpg' kg]{5 . ;fFjfsf] xsdf ;d]t ;f]xL kqdf jl0f{t zt{ aGb]hx?sf] clwgdf /lx
;do;dodf ls:tf ls:tfdf lt/L a'emfO{ wgL ;xefuL a}+sx?sf]
;Dk"0f{ n]gf /sd r'Qmf e'Qmfg ug'{ kg]{5 .
-@_ C0fL sDkgLn] cfoft÷vl/b ug]{, >[hgf ug]{ dfn;fdfgx? / C0fL sDkgLsf] gfddf xfn sfod tyf
eljiodf sfod x'g cfpg] ;Dk"0f{ rn ;DklQ pk/sf] hf]lvd ;'/lIft ug{sf] nflu lwtf]df /x]sf] ;Dk"0f{
;DklQsf] k"/f d"No vfDg] u/L cfjZos a}+lsË zt{;lxt C0fL sDkgLs} vr{df wgL
;xefuL a}+sx?nfO{ dfGo x'g] aLdf sDkgLn] aLdf u/fO{ ;f]sf] ;Ssn aLdfn]v tyf aLdf z'Ns lt/]sf]
/l;b ;d]t wgL ;xefuL a}+sx?nfO{ # -tLg_ lbg leq a'emfpg' kg]{5 . o:tf] aLdfn]vsf] Dofb ;dfKt x'g]
cj:yfdf ;d]t Dofb ;dfKt x'g'eGbf sDtLdf # -tLg_ lbg cufj} gjLs/0f u/fPsf] aLdfn]v pknAw
u/fpg' kg]{5, cGoyf wgL ;xefuL a}+sx?n] cfk;L ;xdltdf aLdf u/fO{ jf aLdfn]v gjLs/0f u/fO{ ;f]
afktsf] aLdf z'Ns C0fL sDkgLsf] vftfaf6 s§f ug{ C0fL sDkgL o;} lnvtjf6 clVtof/L k|bfg ub{5 .
o;/L aLdf sDkgLnfO{ a'emfpg] lk|ldod cfcfˆgf] shf{sf] ;Ldfsf] c+zsf] cfwf/df ;dfg'kflts ?kn] ltg{
a'emfpg wgL ;xefuL a}+sx? d~h"/ ub{5g . o; k|sf/ wgL a}+ssf] tkm{af6 aLdf sDkgLnfO{ ltl/Psf] /sd
C0fL sDkgLnfO{ k|jflxt C0f ;/x g} dfgL o:tf] /sddf a}+ssf] k|rlnt b/n] Jofh nfUg]5 .
-#_ C0fL sDkgLsf] ;fdfgx?sf] df}Hbft (Stocks) tyf e'QmfgL k|fKt ug{ afFsL /sd (Age wise Account
Receivables) ;fy} Trade Payable tyf C0fL sDkgLn] ljleGg a}+sx?af6 k|fKt u/L pkef]u ub}{ cfPsf]
rfn' k'FhL shf{x?sf] aSof}tf /sdsf] ljj/0f, dfl;s v/Lb / laqmLsf] ljj/0f cflb ;DalGwt C0f
:jLs[lt kqdf pNn]v eP adf]lhd dfl;s÷q}dfl;s ?kdf k|To]s df;÷q}df; ;lsPsf] !% lbgleq
wgL ;xefuL a}+sx? ;dIf lgoldt ?kdf k]z ug{' kg]{5 . o;/L k|fKt ljj/0fnfO{ cfwf/dfgL wgL ;xefuL
a}+sx?n] cfjZostf cg';f/ PSnfPSn} jf ;+o'Qm?kdf jf cfk;L ;xdltdf s'g} Ps a}+sn] C0fL sDkgLsf
;fdfgx?sf] df}Hbft (Stocks), alxvftf, uf]bfd tyf pBf]u k|lti7fg C0fL sDkgLnfO{ cu|Ld hfgsf/L u/fO{
jf gu/fO{ lg/LIf0f ug{ ;Sg]5g . lg/LIf0f ug]{ a}+sn] lwtf]df /x]sf] ;Dkltsf] Ageing ;lxt u/L lg/LIf0f

352 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @*=!)
ljj/0f k|ltj]bg cGo wgL ;xefuL a}+sx?nfO{ k|bfg ug'{ kg]{5 . ;f]xL ljj/0f cg';f/ wgL ;xefuL a}+sx?n]
cf–cfˆgf] shf{ ;Ldfsf] :jfldTjsf] cg'kftdf x'g cfpg] ;fdfgx?sf] df}Hbft tyf e'QmfgL k|fKt ug{ afFsL
/sd _ e'QmfgL lbg'kg]{ afFsL /sd nfO{ ;dfa]; u/L
;'/lIft cg'kft sfod ug'{kg{]5 . o;/L shf{ ;Ldfsf] cg'kftdf k|fKt x'g cfpg] v'b rfn' ;DklQ -sf]
cfwf/df ;DalGwt a}+sx?n] cf–cfˆgf] ;Ldf / aSof}tfnfO{ kof{Kt eP gePsf] Plsg ug'{ kg{]5 . shf{
;Ldf ;'/If0f ckof{Kt ePdf ;f]xL cg';f/ shf{sf] ;Ldf lgwf{/0f ug{] / a9L k|jfx ePsf]
/sd r'Qmf ug{sf] nflu C0fLnfO{ wgL ;xefuL a}+sx?n] :jtGq?kdf hfgsf/L u/fpg ;Sg] 5g . a9L k|jfx
ePsf] C0f /sd C0fL sDkgLn] clanDj r'Qmf e'Qmfg ug'{ kg]{5 .
-$_ C0fL sDkgLn] pkef]u ug]{ shf{ tyf a}+lsË ;'ljwfx?df nfUg] Jofh, sldzg, z'Ns cflb b/ wgL ;xefuL
a}+sx?n] cf–cfˆgf] lgodfg';f/ 36a9 ug{ ;Sg]5 / ;f] adf]lhd x'g ug{df C0fL sDkgL d~h"/ ub{5 .
-%_ C0fL sDkgLsf] pTkfbgx?sf] lalqm ljt/0faf6 cflh{t x'g] /sd C0fL sDkgLn] wgL ;xefuL a}+sx?df
/x]sf] vftfdf hDdf ug'{ u/fpg' kg]{5 .
-^_ C0fL sDkgLnfO{ pknAw u/fO{Psf] shf{ tyf ;'ljwfx? gjLs/0f ug{ jf gug{ wgL ;xefuL a}+sx? Ps
cfk;df :jtGq x'g]5g\ . C0fL sDkgLn] yk C0f shf{ tyf a}+ls+u ;'ljwf wgL ;xefuL a}+sx?af6 jf
cGoq s'g} t]>f] kIf cyf{t\ cGo JolQm, a}+s, kmfO{gfG; sDkgL jf cGo ;+:yfaf6 k|fKt ug'{k/]df jf ;+:yfut
hdfgL k|jfx ug'{ k/]df wgL ;xefuL a}+sx?sf] lnlvt d~h"/L lng' kg]{5 . wgL ;xefuL a}+sx?åf/f C0fL
sDkgLnfO{ k|bfg ul/Psf] pNn]lvt shf{ ;Ldf kl/jt{g gePsf] cj:yf;Dd oxL kfl/kf;' ;Demf}tf sfod
Pjd\ dfGo /xg]5 . s'g} klg wgL ;xefuL a}+såf/f C0fL sDkgLnfO{ pNn]lvt shf{÷;'ljwfeGbf yk /sd
k|bfg ug'{ k"j{ ;xefuL a}+sx?nfO{ hfgsf/L u/fO{ ;xdlt lng' kg]{5 / ;f]xL cg'?k ;Dk"0f{ wgL ;xefuL
a}+sx?aLr gofF kf/Lkf;' ;Demf}tf sfod ul/g]5 .
-&_ C0fL sDkgLn] cfˆgf] s'g} rn crn >L ;DklQx? wgL ;xefuL a}+sx?sf] k"j{ lnlvt ;xdlt jf d~h"/L
ljgf cGo s'g} t]>f] kIf cyf{t\ cGo JolQm, a}+s, kmfO{gfG; sDkgL jf ;+:yfnfO{ s'g} klg Joxf]/fn] lwtf]
lbg jf aGws /fVg kfO{g] 5}g .
-*_ wgL ;xefuL a}+sx?n] ;do ;dodf C0fL sDkgLsf gfddf hf/L ug]{ C0f :jLs[lt kq÷C0f gjLs/0f kq
o;} lnvtsf] cleGg c+u x'g]5g\ . pQm C0f :jLs[lt kqdf pNn]lvt zt{ aGb]hx? h:tfsf] t:t} kfngf
ug{ C0fL sDkgL d~h"/ ub{5 . t/ pQm zt{aGb]hx? o; lnvt;Fu aflemPdf aflemPsf] xb;Dd cdfGo eO{
o;} lnvt adf]lhd x'g]5 .
-(_ o; lnvtdf pNn]lvt tyf shf{ :jLs[lt kq÷shf{ gaLs/0f kqdf ePsf] s'g} klg zt{ aGb]hx?sf]
pNn+3g ePdf wgL ;xefuL a}+sx?sf] lgodfg';f/ C0f c;"nL sf/jfxL u/L cltl/Qm Jofh xhf{gf ;d]t
nufO{ n]gf /sd c;"npk/ ul/g]5 . C0fL sDkgL pk/ sf/jfxL ubf{ C0fL sDkgLn] o;} lnvt adf]lhd lwtf]
n]lvlbPsf] ;Dk"0f{ rn >L;DklQx? cfˆgf] sAhfdf lng] jf cGo k|lqmof ckgfO{ pk/f]Qm >L;DklQx? Ps}
k6s jf k6s k6s u/L l;naGbL jf v'Nnf jf cfk;L ;xdlt sf] cfwf/df lnnfd÷lalqm cflb ;a} jf
s'g} k|s[ofaf6 a]rlavg u/L jf cGo k|s[of ckgfO{ wgL ;xefuL a}+sx?n] shf{ c;"npk/ u/L lng;Sg]
s'/fdf C0fL sDkgL d~h"/ ub{5 .
-!)_ tf]lsPsf] efvfleq tyf lgwf{l/t zt{ aGb]h adf]lhd C0fL sDkgLn] wgL ;xefuL a}+sx? jf ;f]dWo] s'g}
PsnfO{ ltg'{ a'emfpg' kg]{ ;fFjf, Jofh, lkm, sldzg, yk Jofh cflb cGo /sd snd glt/] ga'emfPdf jf
wgL ;xefuL a}+sx?n] hf/L u/]sf C0f :jLs[lt kqdf pNn]lvt C0f shf{ ;DaGwL s'g} klg zt{ aGb]h
pNn+3g u/]df o; lnvt adf]lhd wgL ;xefuL a}+sx?af6 k|fKt ;Dk"0f{ shf{x?sf] ls:tf lvnfkmL ePsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 353

 cg';"rL @*=!)
jf shf{ tyf a}+lsu ;'ljwfx? ;DaGwL zt{ aGb]h pNn+3g u/]sf] dflgg]5 . o:tf] cj:yfdf wgL ;xefuL
a}+sx?dWo] h;sf] ls:tf lvnfkmL ePsf] jf zt{ aGb]h pNn+3g ePsf] xf] ;f] wgL a}+sn] C0fL sDkgLnfO{
lvnfkmL ePsf] ls:tf ltg{ a'emfpg / pNn+3g ePsf] zt{ lgoldt jf kfngf ug{ a9Ldf #% -k}tL;_
lbgsf] Dofb lbg ;Sg]5 . ;f] Dofbleq klg C0fL sDkgLn] zt{ aGb]h lgoldt gu/]df jf h'g h;sf] ls:tf
lvnfkmL ePsf] jf zt{ aGb]hx? pNn+3g ePsf] xf] ;f] wgL a}+sn] C0fL sDkgL pk/ cfjZos sfg"gL
sf/afxL u/L ;Dk"0f{ n]gf /sd c;"npk/ ug{ ;Sg]5 . To;/L c;"npk/ ePsf] /sd wgL ;xefuL a}+sx?;Fu
o; lnvtdf n]lvP d'tfljs afF8kmfF8 ul/g]5 . ;fy} wgL ;xefuL a}+sx?n] cfk;L ;dembf/Ldf ;+o'Qm
?kdf jf ;+o'Qm ;xefuL a}+sx?sf] cfk;L ;dembf/L s'g} Psn] ;Dk"0f{ ;xefuL a}+sx?sf] xsdf ;d]t
sf/jfxL ug{ ;Sg]5 . o;/L C0fL sDkgL pk/ sf/jfxL ug{ csf]{ wgL ;xefuL a}+s, h;sf] ls:tf lvnfkmL
jf zt{ aGb]hx? pNn+3g ePsf] 5}g, ;f] wgL a}+sn] klg pQm sf/jfxL ug{ o;} lnvtaf6 d~h"/ ub{5 /
sf/jfxL ug{ cfjZos sfuh k|df0f cflb pknAw u/fO{lbg] s'/fdf klg d~h"/ ub{5 .
-!!_ C0fL sDkgLaf6 c;"npk/ ug'{kg]{ /sd c;"npk/ ubf{ sfg"gL sf/jfxL jf cGo tl/sfaf6 c;"n ug'{ kg]{
l:ytL eO{ ;f] jdf]lhd c;"npk/ ePsf] /sd afF8kmfF8 ubf{ wgL ;xefuL a}+sx?nfO{ ltg'{kg]{ /sdeGbf
sd /sd k|fKt ePdf o;/L k|fKt /sd cf–cfˆgf] C0fsf] afFsL ;fFjfsf] cg'kftdf afF8kmfF8 ul/g]5 / s'g}
wgL a}+sn] o;/L gk'u /sd csf]{ wgL a}+s;dIf bfjL ug{ kfpg] 5}g . t/ ;f] Joj:yfn] C0fL sDkgLn] wgL
;xefuL a}+sx?df a'emfpg' kg]{ bfloTjdf 5'6 jf sdL ePsf] dflgg] 5}g .
-!@_ lwtf]df /x]sf df}Hbft÷dfn;fdfg dfly pNn]lvt a}+sx? Affx]s cGo s'g} JolQm, kmd{, a}+s jf ;+:yfnfO{
lhDdf jf lwtf] jf hdfgt lbOg] 5}g . ;fy} lgoldt sf/f]jf/sf] l;nl;nfdf ul/g] ljqmL afx]s cGo s'g}
tl/sf jf dfWodaf6 pQm ;fdfgsf] /sd p7fOg] 5}g . lwtf]df /x]sf] ;fdfgx? tf]lsPsf] :yfgaf6 cGoq
;fg{ k/]df wgL ;xefuL a}+sx?sf] k"j{ :jLs[lt lnO{ xfgL gf]S;fgL gx'g] u/L dfq ;fl/g] 5 .
-!#_ wgL ;xefuL a}+sx?n] C0fLaf6 afFsL aSof}tf /sd c;"npk/ ubf{ sfg"gL sf/jfxL jf cGo tl/sfaf6
c;"npk/ ug'{ kg]{ cj:yf cfPdf C0fLaf6 c;"npk/ ePsf] /sd wgL ;xefuL a}+sx?nfO{ C0fLn] ltg'{kg]{
/sdeGbf sd ePdf o;/L k|fKt /sd cf–cfˆgf] afFsL n]gf /sdsf] cg'kftdf jfF8kmfF8 ul/g]5 .
-!$_ o; lnvt adf]lhd wgL ;xefuL a}+sx?n] k|bfg ug]{ shf{ tyf a}+lsË ;'ljwfx? lghx?n] cf–cfˆgf]
k|rlnt lgodfg';f/ C0fL sDkgLnfO{ pknAw u/fpg] 5g . ;f] shf{ pknAw u/fpbf C0fL sDkgL tyf
shf{sf] ;DaGwdf cfjZos hfgsf/L cf–cfˆgf] tkm{af6 k|fKt ug]{5g\ . cf–cfˆgf] shf{sf] n]gb]g
c;"npk/ ;d]t cf–cfˆgf] k|rlnt lgod jf cf–cfkm"n] lgwf{/0f u/]sf] k|s[of cg';f/ ug]{ 5g\ .
-!%_ C0fLn] k|To]s qodf; ;dfKt ePsf] & lbgleq C0fLsf] ljQLo ljj/0f / cfly{s jif{ ;dfKt ePsf] ^
dlxgf leqdf n]vf k/LIf0f k|ltj]bg ;lxtsf] jf;nft, gfkmf gf]S;fg lx;fj tyf gub k|jfx ljj/0f wgL
;xefuL a}+sx?nfO{ a'emfpg' kg]{5 .
-!^_ o; lnvtdf pNn]v ePsf] zt{ aGb]hx?sf] xsdf o;} lnvt adf]lhd x'g] / o; lnvtdf pNn]v gePsf
ljifox?sf] xsdf wgL ;xefuL a}+sx?n] C0fL sDkgLsf] gfddf hf/L u/]sf] C0f :jLs[lt kqx?,
;DalGwt lwtf]aGwssf] lnvt, ;Demf}tfsf] lnvt / k"j{ kfl/t lnvtx? adf]lhd x'g] s'/fdf C0fL sDkgL
/ wgL ;xefuL a}+sx?sf] k"0f{ d~h"/L /x]sf] 5 .
-!&_ C0fL sDkgLsf] Jofkf/, Joj;fonfO{ c;/ kfg]{ ul/ C0fL sDkgLsf] p4]Zodf kl/jt{g ug{ kfO{g] 5}g ;fy}
C0fL sDkgLn] cfk"m pk/ x'g;Sg] s'g} klg sfg"gL sf/jfxLsf] arfp cfkm}n] ug'{ kg]{5 / s'g} klg To:tf
u}/–sfg"gL sfd sf/jfxLdf ;l/s x'g ;d]t kfO{g] 5}g / C0fL sDkgLsf] p4]Zo ljkl/t Jofkf/ Joj;fodf
c;/ kg]{ u/L C0fLsf] p4]Zodf kl/jt{g u/]df sf/0f ;lxtsf] lnlvt ;"rgf lbO{ C0fL sDkgLnfO{ pknAw

354 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @*=!)
u/fO{Psf] shf{ /4 ul/ shf{ c;"npk/ ug{ ;Sg]5 . C0fL sDkgLn] wgL ;xefuL a}+sx?sf] k"j{ :jLs[lt
lagf nfef+z 3f]if0ff ug{ kfpg] 5}g / cfˆgf] z]o/wgL ;+/rgfdf kl/jt{g ug{ jf ;+rfng ;ldltdf km]/abn
ug{ kfpg] 5}g . ;fy} cfkm"nfO{ cGo ;+:yf;Fu ufEg jf ;dflxt ug{ kfpg] 5}g\ .
-!*_ C0fL sDkgLn] o; cl3 / eljiodf wgL ;xefuL a}+sx?sf] gfddf 5'6[f5'6[} lwtf]aGws n]lvlbPsf]÷n]lvlbg]
crn ;DklQx?df ;DalGwt a}+ssf] dfq lwtf] xsflwsf/ x'g] s'/fdf ;a} kIf d~h"/ ub{5g .
-!(_ wgL ;xefuL a}+sx?dWo] s'g} Ps a}+sn] :jLs[t u/]sf] shf{ C0fL sDkgLnfO{ s'g} sf/0faz pknAw
gu/fPdf cGo wgL a}+s jf shf{ pknAw u/fpg] a}+s hjfkmb]xL gx'g] s'/fdf C0fL sDkgL] d~h"/ ub{5 .
-@)_ shf{ tyf a}+lsË ;'ljwfx?sf zt{ pNn+3g ePdf C0fL sDkgL pk/sf] sf/afxLsf ;DaGwdf g]kfn /fi6«
a}+sjf6 hf/L lgb]{zg cg';f/ C0fL sDkgL, C0fL sDkgLsf ;+rfnsx?, z]o/wgL tyf C0f;Fu ;Da4 cGo
kIf ;d]tnfO{ shf{ ;"rgf s]Gb| jf cGo s'g} lgsfosf] sfnf];'rLdf gfd ;dfj]z u/fPdf C0fL sDkgL
d~h"/ ub{5 .
-@!_ k|:t't kfl/kf;' ;DaGwdf s'g} ljjfb pTkGg ePdf cfk;L ;dembf/Ldf ljjfb ;dfwfg ul/g]5 . olb cfk;L
;dembf/Ldf ;dfwfg gePdf g]kfn /fi6« a}+sn] ;do ;dodf lbg] lgb]{lzg adf]lhd ljjfb ;dfwfg ug{ ;a}
kIf d~h"/ ub{5g .
-@@_ wgL ;xefuL a+}sx?n] xfn k|jfx u/]sf tyf eljiodf k|jfx ug{] u}/–sf]ifdf cfwfl/t ;'ljwfx? eljiodf
sy+sbflrt sf]ifdf cfwfl/t shf{df kl/jt{g x'g] cj:yf cfPdf sf]ifdf cfwfl/t shf{df u0fgf u/L ;f]xL
cg';f/ cf—cfˆgf] n]gf jSof}tf /sdsf] cg'kft sfod u/L c;"npk/ ug{ ;DalGwt ;a} kIf ;xdlt JoQm
ub{5g\ .
-@#_ sfuhftx? /fVg]M of] lnvtsf] ;fy} cGo cfjZos sfuhftx? ;d]t C0fL sDkgLn] wgL ;xefuL a}+sx?
dWo] s'g} Ps a}+sdf k]z ug'{ kg]{5 / ;f] sfuhftx? ;'/lIft /fVg' pQm a}+ssf] st{Jo x'g]5 .
-@$_ wgL ;xefuL a}+sx? tyf C0fLn] cfk;L 5nkmnåf/f ;Demf}tfsf zt{x?df cfjZos yk36 jf ;+zf]wg ug{
;lsg]5 .

o; lnvtdf pNn]lvt zt{ aGb]hx? k9L ;f]sf] cfzo a'emL ;f]xL adf]lhd kfngf ug{ d~h"/ u/L C0fL sDkgLsf]
clVtof/k|fKt JolQm >L =============================n] dgf]dfgL /fhLv'zL;Fu jfofF lsgf/fsf ;fIfLx?sf] /f]xj/df
tkfO{+ wgL ;xefuL a}+sx?dWo] ====================== lnld6]8sf] sfof{nodf a;L x:tfIf/ u/L C0fL sDkgLsf] 5fk
;d]t nufO{ tkfO{+ wgL ;xefuL a}+sx?nfO{ lbO{ o;sf] bf]xf]/L ;d]t a'lemlnof}+ .

/f]xj/df
!= s[lif ljsf; a}+s ln=sf tkm{af6 clVtof/k|fKt ========= >L ====================================

@= ====================== a}+s lnld6]8sf tkm{jf6 clVtof/k|fKt ======== >L ===========================

O{lt ;Djt\ @)====== ;fn ========= dlxgf ============= ut] /f]h =========== z'ed\ .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 355

 cg';"rL @*=!!
vftf vr{ ug{ ;Sg] clVtof/L kq
(Debit Authority Paper)

lnlvtd\ Aoxf]/f]0fLsf gfd ==================sf] 5f]/f÷a'xf/L=========================sf]] >LdtL

bfofF

lhNnf ================g=kf=÷uf=kf===== j8f g+= ==== xfn ======================= a:g] jif{

======== sf] ======================cfu] d}n] d]/f]÷xfd|f] =====================-JolQm÷kmd{÷sDkgL_
sf] gfddf To; a}+saf6 pkef]u u/]sf] ====================== p2]Zosf] shf{ n]gb]g sf/f]jf/
jfofF

lnP u/] u/fPsf]df a}+s lgodfg';f/ nfUg] ;fFjf, Jofh, k]gfn Jofh, aLdf z'Ns / cGo
b} b:t'/ pNn]lvt zt{ lgodsf cwLgdf /xL ;f] lnvtdf n]lvPsf] efvf Dofbleq ;f]
lnvt adf]lhdsf] /sd ;fFjf, Jofh, aLdf z'Ns / cGo b} b:t'/ a}+sn] dfu ubf{ t'?Gt}
a'emfpg] 5' . olb gj'emfO{ afFsL /fv] eg] d]/f]÷xfd|f] To; a}+sl:yt rNtL÷shf{ vftf g+=
-@_
-!_
;fIfLM

===========================af6 vr{ n]lv a}+ssf] ;fFjf, Jofh, k]gfn Jofh / cGo a}+ssf]
nfUg] b}b:t'/ c;"n ul/ lnPdf d]/f] dGh"/ 5 . kl5 Psfsf] vftfjf6 s§f u/L lng kfpg]
xf]Og egL s'g} lsl;dsf] ph"/ jfh"/ v/ lvrf}nf ug]{ 5}g, u/] o;} lnvtn] jb/ u/L lbg'
egL dgf]dfgL /fhLv'zL;Fu s[lif ljsf; a}+s lnld6]8 ===== sfof{no=======a;L of] vr{ ug]{
clVtof/ kq lbofF .

u|fxs÷vftf ;+rfnssf] gfd / b:tvtM ==============================

bfofF jfofF

cf}+7f5fk

Olt ;Djt\ @)=== ;fn ======dlxgf ==== ut] ===== /f]h z'ed\ .

356 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @*=!@
csf]{ kIfnfO{ lwtf] afF8kmf8 ubf{ k|of]u ug{'kg]{ sa"lnotgfdfsf] gd'gf
(Commitment Paper)

lnlvtd\ Joxf]/f]0fLsf >L ======================= sf] gftL÷gfltgL >L==================== sf]

5f]/f÷a'xf/L =========================sf]] >LdtL lhNnf ================g=kf=÷uf=kf= ====
bfofF

j8f g+= ==== xfn =============== lhNnf, ===============g=kf=÷uf=kf= j8f g+= === a:g]
jif{ ======== sf] >L ====================== -gf=k|=g+============ldlt =================lhNnf
==============_ jf krlnt P]g adf]lhd ldlt ============ df g]kfn ;/sf/, ===========
jfofF

dGqfno, ================ ljefu, =============sfof{no, ============df btf{ g+=

=============ePsf] ============= lhNnf, ==========g=kf÷uf=kf= j8f g+= ===== df :yfoL
/lhi68{ 7]ufgf /x]sf] >L ========================= kmd{÷sDkgLsf tkm{af6 clVtof/
k|fKt÷k|f]k|fO{6/÷;~rfns÷;fem]bf/ >L =============== sf] gftL÷gfltgL >L
====================== 5f]/f÷5f]/L÷a'xf/L ===================sf] kTgL========================
:yfoL 7]ufgf =============== lhNnf, ==========================g=kf=÷uf=kf=j8f
g+==== eO{ xfn =============== lhNnf, ===============g=kf=÷uf=kf= j8f g+= === a:g]
aif{ ==========-gf=k|=g+============ldlt================= lhNnf==============_ sf] >L
-@_
-!_
;fIfLM

=======================================-h;nfO{ o; pk|fGt C0fL k|f]k|fO{6/÷;+rfns÷;fem]bf/

elgPsf] 5_ cfu] d}n] d]/f]÷xfd|f] ===================== -JolQm÷kmd{÷sDkgL_ sf] gfddf
o; a}+saf6 pkef]u u/]sf] ====================== p2]Zosf] shf{÷;'ljwf sf/f]jf/ afkt
;'/If0fdf /x]sf] b]xfo adf]lhdsf] lwtf]dWo] kmflhn /x]sf] lwtf]af6 >L ==================
======================== sf] gftL÷gfltgL >L ============================== sf] 5f]/f÷a'xf/L
========================= sf]] >LdtL lhNnf ================ g=kf=÷uf=kf= =================
j8f g+= ==== xfn ======================= a:g] jif{ ======== sf] >L======================
==========-gf=k|=g+= =========== ldlt ================= lhNnf ============== _ jf k|rlnt
P]g adf]lhd ldlt ============ df g]kfn ;/sf/, =========== dGqfno, ================
ljefu, =============sfof{no, ============df btf{ g+= ==================ePsf]
============= lhNnf, ==========g=kf÷uf=kf= j8f g+= ===== df :yfoL /lhi68{ 7]ufgf
/x]sf] >L ========================= kmd{÷sDkgLnfO{ =========================== shf{÷;'ljwf
zLif{sdf ?= ============.– shf{ sf/f]jf/ ug{ d]/f]÷xfd|f] dGh"/ 5 . shf{÷;'ljwf lnFbfsf
avt a}+sn] tf]s]sf zt{ ;'ljwfx? d÷xfdLn] kfngf ul//x]sf] cj:yfdf csf]{ kIf -
================================JolQm÷kmd{÷sDkgL_ n] shf{÷;'ljwf lnFbfsf avt a}+sn]
tf]s]sf zt{ ;'ljwfx? kfngf gu/L pNn+3g u/]sf] sf/0fn] d÷xfdLnfO{ ;d]t a}+sn] s'g} klg
sfg"gL sf/jfxL tyf sfnf];"rLdf ;dfj]z u/]df d]/f]÷xfd|f] d~h"/ 5 . kl5 d÷xfdLn] a}+sn]
tf]s]sf zt{ ;'ljwf kfng ul//xbf klg sfg"gL sf/jfxL u/]sf] egL s'g} lsl;dsf] ph"/ jfh"/
v/lvrf}nf ug]{ 5}g, u/] o;} lnvtn] jb/ u/L lbg' egL dgf]dfgL /fhLv'zL;Fu s[lif ljsf;
a}+s lnld6]8 ========== sfof{no ============== a;L of] sa"lnotgfdf kq n]vL lbofF .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 357

 cg';"rL @*=!@
tkl;n
!= hUufsf] ljj/0fM
hUufwgLsf] gfd lhNnf Uff=kf=÷g=kf= j8f g+= l;6 g++= ls=g+= If]qkmn s}lkmot

@= 3/sf] ljj/0fM
======================sf] xsef]usf] ===============lhNnf================ uf=kf=÷g=kf= j8f g+= ==== ls=g+
============== If]qkmn ===============df ag]sf]÷lgdf{0f x'g] k"j{======== klZrd====== pQ/ ==============
blIf0f============sf] ==========df]x8f ePsf] ============tnf ======== nDjfO{====== rf}8fO{============prfO{
========5fgf ePsf] ============au{km'6sf] kSsL÷sRrL 3/÷uf]7÷vf]/ / ;f]n] rr]{sf]÷rlr{g] hUuf ;d]tsf]
lnunufkft ;d]t .

#= lwtf] d"Nof+sg /sdsf] ljj/0fM

s'n d"Nof+sg /sdM ?= dflh{g s§Lkl5sf] /sdM ?=

shf{÷;'ljwfnfO{ pkof]u eO{/x]sf] kmflhn /x]sf] dflh{g gs6fPsf]
dflh{g gs6fPsf] lwtf] /sdM ?= lwtf] /sdM ?=
xfn ======================= -JolQm÷kmd{÷sDkgL_
nfO{ lbg rfx]sf] dflh{g gs6fPsf] lwtf] /sd ?=

kmd{÷sDkgLsf] b:tvt / 5fkM ==============================

JolQm÷kmd{÷sDkgLsf] gfdM ===================================================
JolQm÷kmd{÷sDkgLsf] 7]ufgfM ==============================================

O{lt ;Djt\ ======= ;fn ==========dlxgf =======ut] ======/f]h ======z'ed\ .

bfofF jfofF
cf}+7f5fk

358 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @*=!#
csf]{ kIfaf6 lwtf] k|fKt ubf{ k|of]u ug{'kg]{ sa"lnotgfdfsf] gd'gf
(Commitment Paper)

lnlvtd\ Joxf]/f]0fLsf >L===================sf] gftL÷gfltgL >L=========================sf]

5f]/f÷a'xf/L=========================sf]] >LdtL lhNnf ================g=kf=÷uf=kf= ====
bfofF

j8f g+= ==== xfn =============== lhNnf, ===============g=kf=÷uf=kf= j8f g+= === a:g]
jif{ ======== sf] >L ====================== -gf=k|=g+============ldlt =================lhNnf
==============_ jf k|rlnt P]g adf]lhd ldlt ============ df g]kfn ;/sf/, ===========
jfofF

dGqfno, ================ ljefu, =============sfof{no, ============df btf{ g+=

==================== ePsf] ============= lhNnf, ==========g=kf÷uf=kf= j8f g+=
===== df :yfoL /lhi68{ 7]ufgf /x]sf] >L ========================= kmd{÷sDkgLsf
tkm{af6 clVtof/ k|fKt÷k|f]k|fO{6/÷;~rfns÷;fem]bf/ >L =============== sf]
gftL÷gfltgL >L ====================== 5f]/f÷5f]/L÷a'xf/L =======================sf]
kTgL======================== :yfoL 7]ufgf =============== lhNnf,
==========================g=kf=÷uf=kf=j8f g+==== eO{ xfn =============== lhNnf,
===============g=kf=÷uf=kf= j8f g+= === a:g] aif{ ==========-gf=k|=g+============ldlt
-@_
-!_
;fIfLM

=================lhNnf ==============_ d}n]÷xfdLn] s[lif ljsf; a}+s ln= ===============

sfof{no============af6 ==================zLif{sdf ?======================= shf{÷;'ljwf
dfu u/] adf]lhd shf{÷;'ljwf ;'/If0f afkt >L ========================================== sf]
gftL÷gfltgL >L ============================== sf] 5f]/f÷a'xf/L ========================= sf]]
>LdtL lhNnf ================ g=kf=÷uf=kf= ================= j8f g+= ==== xfn ===============
lhNnf, ===============g=kf=÷uf=kf= j8f g+= === a:g] jif{ ======== sf] >L======================
==========-gf=k|=g+= =========== ldlt ================= lhNnf ============== _ jf k|rlnt P]g
adf]lhd ldlt ============ df g]kfn ;/sf/, =========== dGqfno, ================ ljefu,
=============sfof{no, ============df btf{ g+= ==================== ePsf] ============= lhNnf,
==========g=kf÷uf=kf=j8f g+= ===== df :yfoL /lhi68{ 7]ufgf /x]sf] >L =========================
kmd{÷sDkgLn] s[lif ljsf; a}+s ln= =========== sfof{no============af6 pkef]u u/]sf]
shf{÷;'ljwf afkt ;'/If0fdf /x]sf] b]xfo adf]lhd lwtf]af6 kmflhn /x]sf] lwtf] d"Nof+sg /sd
?================ :jLsf/ u/L ============ shf{÷;'ljwf zLif{sdf ?= ============ sf/f]jf/
ug{ d]/f]÷xfd|f] dGh"/ 5 . shf{÷;'ljwf lnFbf avt a}+sn] tf]s]sf zt{ ;'ljwfx? d÷xfdLn]
kfngf ul//x]sf] cj:yfdf csf]{ kIf - ================================JolQm÷kmd{÷sDkgL_
n] shf{÷;'ljwf lnFbf avt a}+sn] tf]s]sf zt{ ;'ljwfx? kfngf gu/L pNn+3g u/]sf] sf/0fn]
d÷xfdLnfO{ ;d]t a}+sn] s'g} klg sfg"gL sf/jfxL tyf sfnf];"rLdf ;dfj]z u/]df d]/f]÷xfd|f]
d~h"/ 5 . kl5 d÷xfdLn] a}+sn] tf]s]sf zt{ ;'ljwf kfng ul//xbf klg sfg"gL sf/jfxL
u/]sf] egL s'g} lsl;dsf] ph"/ jfh"/ v/lvrf}nf ug]{ 5}g, u/] o;} lnvtn] jb/ u/L lbg' egL
dgf]dfgL /fhLv'zL;Fu s[lif ljsf; a}+s lnld6]8 ========== sfof{no ============== a;L of]
sa"lnotgfdf kq n]vL lbofF .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 359

 cg';"rL @*=!#
tkl;n
!= hUufsf] ljj/0fM

hUufwgLsf] gfd lhNnf Uff=kf=÷ g=kf= j8f g+= l;6 g++= ls=g+= If]qkmn s}lkmot

@= 3/sf] ljj/0fM
======================sf] xsef]usf] ===============lhNnf================ uf=kf=÷g=kf= j8f g+= ==== ls=g+
============== If]qkmn ===============df ag]sf]÷lgdf{0f x'g] k"j{======== klZrd====== pQ/ ==============
blIf0f============sf] ==========df]x8f ePsf] ============tnf ======== nDjfO{====== rf}8fO{============prfO{
========5fgf ePsf] ============au{km'6sf] kSsL÷sRrL 3/÷uf]7÷vf]/ / ;f]n] rr]{sf]÷rlr{g] hUuf ;d]tsf]
lnunufkft ;d]t .

#= lwtf] d"Nof+sg /sdsf] ljj/0fM

s'n d"Nof+sg /sdM ?=

============================== JolQm÷kmd{÷sDkgLn] pkef]u
u/]sf] lwtf] d"Nof+sg /sd ?=
kmflhn /x]sf] lwtf] /sdM ?=
=================================== JolQm÷kmd{÷sDkgLn]
k|fKt u/]sf] lwtf] d"Nof+sg /sd ?=

kmd{÷sDkgLsf] b:tvt / 5fkM ==============================

JolQm÷kmd{÷sDkgLsf] gfdM ===================================================
JolQm÷kmd{÷sDkgLsf] 7]ufgfM ==============================================

O{lt ;Djt\ ======= ;fn ==========dlxgf =======ut] ======/f]h ======z'ed\ .

bfofF jfofF
cf}+7f5fk

360 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cg';"rL @*=!$
[ 6f]sg ÷btf{ g+= / ldlt=================== /lhi6«]zg g+= / ldltM ===============

ljifoM lwtf] b[li6aGwsL .

lnlvtd\ wgLsf gfd tklzndf pNn]lvt sf7df08f} lhNnf sf7df08f} dxfgu/kflnsf j8f g+= !!
/fdzfxky, sf7df08f}df d'Vo sfof{no /x]sf] s[lif ljsf; a}+s lnld6]8sf] ==========l:yt ===========sfof{no
bfofF

========= -h;nfO{ o; pk|fGt wgL a}+s -;fx'_ elgPsf] 5_ lnvt u/L lbg] tklzndf pNn]lvt >L
============ -h;nfO{ o; pk|fGt lwtf] b[li6aGws ul/lbg] elgPsf] 5_ cfu] shf{ tyf ;'ljwf pkef]u ug]{ u|fxs
JolQm÷kmd{÷sDkgL÷;+:yf >L============== -h;nfO{ o; pk|fGt C0fL elgPsf] 5_ n] cfˆgf] JolQmut jf
Joj;flos k|of]hgsf nflu tkfO{ wgL a}+s;Fu C0f shf{ tyf a+}lsË ;'ljwfx? pknJw u/fO{ lbg d÷xfdL
C0fLn] u/]sf] cfj]bg cg';f/ tkfO{ wgL a}+sn] hf/L u/]sf] ldlt
jfofF

=========================sf] C0f :jLs[lt kqfg';f/ k|fKt ug{ nfu]sf] ============== zLif{sdf

?=========================-cIf/]lk ==================dfq_ sf] shf{ tyf a}+lsË ;'ljwfsf] ;'/If0f afkt of] lwtf]
b[li6aGwssf] lnvt u/L lbPsf] 7Ls ;f“rf] xf] . pk/f]Qm adf]lhdsf] C0f shf{ tyf a}+lsË ;'ljwfx? C0fLsf]
cfjZostf cg';f/ ;do ;dodf gljs/0f ePdf ;f] gljs/0f ePsf] cjlw;Dd / eljiodf C0fLn] tkfO{ wgL
a}+saf6 ;f]sf] cnfjf yk C0f shf{ tyf a+}lsË ;'ljwfx? k|fKt u/]df ;f] C0f shf{ tyf a+}lsË ;'ljwfx?
;d]tsf] ;'/If0f afkt sfod /xg] u/L d]/f]÷xfd|f]÷C0fLsf] gfdsf] crn ;DklQ 3/hUuf tkfO{ wgL a}+ssf] gfddf
lwtf] aGws n]lvlbg C0fLn] lnPsf] C0f shf{ tyf a}+lsË ;'ljwfx? d]/f]÷xfd|f] lwtf]n] vfd];Ddsf] k|fKt ug{
;Sg] yk C0f shf{ tyf a}+lsË ;'ljwfx? ;d]t / C0fLnfO{
:jLs[t shf{ tyf a}+lsË ;'ljwf ;Ldf sfod u/L ;f] ;LdfdWo]af6 C0fLsf] clVtof/L k|fKt u/L C0fL
;d]tsf] cg'/f]wdf s'g} klg t]>f] kIfnfO{ tkfO{ wgL a}+sn] C0f shf{ jf a}lsË ;'ljwfx? Ps k6s jf k6s k6s
u/L pknJw u/fPdf C0fLn] lnPsf] C0f shf{ tyf a}+lsË ;'ljwf / d]/f]÷xfd|f]÷C0fLsf] lwtf]df t]>f] kIfsf]
xsdf pknAw u/fO{Psf] C0f shf{ bfloTj afkt ltg{' a'emfpg' kg]{ ;fFjf, Aofh tyf
;Dk"0f{ bfloTj r'Qmf e'QmfgL gul/lbpGh]n;Ddsf] nflu ;d]t lwtf] ;'/If0f sfod /xg] u/L d]/f]÷xfd|f]÷C0fLsf]
gfddf dfnkf]t sfof{no============df lwtf] b[li6aGws ul/lbg]sf] Psnf}6L btf{ sfod ePsf] o; cl3 cGoq
slx st} c? s;}nfO{ s'g} klg Joxf]/fn] xs x:tfGt/0f jf ef]u b[li6aGws jf lnhdf ;d]t s'g} Joxf]/fn] s]xL
n]lvglbPsf] lwtf] b[li6aGws ul/lbg]sf] lghL xsef]usf] tklzndf pNn]lvt lwtf] tkfO{ wgL a}+ssf
sd{rf/L÷;"rLs[t lwtf] d"Nof+sgstf{sf] d"Nof+sg k|ltj]bg / ;f] k|ltj]bgdf pNn]v ePcg';f/sf] d"Nof+sg /sd
?============= -cIf/]lk ===================_ sfod ePsf] hUuf÷3/hUuf tyf ;f]df eljiodf s'g} yk lgdf{0f
sfo{x? ePdf ;f] ;d]t ;Dk"0f{ lnunufkft o;} lnvtaf6 tkfO{ wgL a}+ssf] gfddf lwtf] b[li6aGws n]lv
lbPF÷lbof}+ . of] lwtf] b[li6aGwssf] lnvt / o; lnvt;Fu ;DalGwt a}+sdf eP u/]sf td;'s, dGh'/Lgfdf, shf{
:jLs[t nufotsf sfuhftdf ePsf zt{ ;'ljwfx? o; lnvtsf] cleGg cË dfgL kfngf ug{ C0fL dGh'/
ub{5'÷ub{5f}+ . C0fLsf] gfddf tkfO{ wgL a}+sn] hf/L u/]sf] shf{ :jLs[lt kqfg';f/ tyf C0fL / tkfO{ wgL
a}+saLr ePsf] tyf eljiodf x'g] C0f shf{ tyf a}+lsË ;'ljwf ;DaGwL cGo zt{ aGb]hx? adf]lhd ;do
;dodf jf ls:tf ls:tfdf jf dfu ugf{;fy C0f shf{sf] ;fFjf, Jofh glt/] ga'emfPdf jf ltg{ a'emfpg O{Gsf/ u/L
jf Dofbleq r'Qmf e'QmfgL gu/]df jf C0f shf{ b'?kof]u u/]df jf C0f shf{ ;DaGwL zt{ aGb]hx? pNn+3g u/]df
d}n]÷xfdLn] lwtf] n]lvlbPsf] tkl;n adf]lhdsf] 3/hUuf / ;f]xL hUufdf ag]sf] tyf kl5 aGg], yKg] 3/ 6x/f,
Uof/]h, sDkfp08jfn / lnunufkft ;d]taf6 o;} lwtf] b[li6aGws ;DaGwL lnvt / k|rlnt a}+s tyf ljQLo
;+:yf ;DaGwL P]g tyf k|rlnt g]kfn sfg"g tyf tkfO{ wgL a}+ssf] shf{ c;"nL ljlgodfjnL tyf shf{ c;"nL
sfo{ljlw cg';f/ lnnfd laqmL jf cGo Joj:yf u/L wgL a}+ssf] n]gf afFsL ;fFjf, Jofh, xh{gf Jofh, C0f
c;"n pk/ ug]{ ;DaGwdf ePsf] vr{, sfg"gL vr{ nufotsf]
;Dk"0f{ n]gf /sd c;"n pk/ u/L lng'xf]nf . ;f] adf]lhd n]gf /sd c;"n pk/ gePdf tkfO{ wgL a}+sn] C0fL
pk/ a}+s tyf ljQLo ;+:yfsf] C0f c;"n pk/ ul/lng] ;DaGwL k|rlnt g]kfn sfg"g adf]lhd sf/jfxL u/]df
;d]t lwtf] n]lvlbg] d]/f]÷xfd|f] k"0f{ d~h"/L 5 . d}n]÷C0fLn] lwtf] n]lvlbPsf] ;DklQsf] s'g} sf/0fn] d"No
36\\g uPdf ;d]t d÷xfdL C0fL jf d]/f]÷xfd|f] Psf3/ kl/jf/sf] gfdsf] cGo yk lwtf] /fvL lbg d]/f]÷xfd|f] k"0f{
d~h'/L 5 . lwtf] n]lvlbPsf] ;DklQ sRrf 7x/L lnnfd laqmL x'g g;sL tkfO{ wgL a}+ssf] n]gf /sd c;"n pk/
geO{ afFsL /xg cfPdf d]/f]÷xfd|f] gfddf /x]sf] cGo

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 361

 rn crn hfoh]yf ;d]taf6 c;"n pk/ u/L lng'xf]nf . ;f]af6 gk'u ePdf d}n]÷xfdLn] a}+snfO{
ul/lbPsf] JolQmut hdfgt ;d]tsf cfwf/df d]/f]÷xfd|f] xssf] rn crn ;DklQaf6 c;"n pk/ u/L
lng' xf]nf . kl5 slx st} ph'/ afh'/ ug]{ 5}g÷5}gf}+ egL of] lnvtsf] cBf]kfGt k9L jfrL ;'gL o;sf]
dtnj / kl/0ffd ;d]t a'emL d]/f]÷xfd|f] dgf]dfgL /fhLv'zLn] tklzn adf]lhdsf] ;fIfLx?sf] /f]xj/df tkfO{+
wgL a}+ssf] k|ltlgwLsf] /f]xj/df dfnkf]t sfof{no==============df a;L of] lwtf] b[li6aGwssf] lnvtdf
;xL5fk u/L tkfO{ wgL s[lif ljsf; a}+s lnld6]8 ========sfof{no ==============nfO{ lbPF÷lbof}+ .
o;df n]lvPsf] j]xf]/f 7Ls ;fFrf] 5, em'¶f 7x/] sfg"g adf]lhd ;x'Fnf a'emfFpnf .
tkl;n lnvt ul/lbg] -C0fLM JolQmut ePdf_ sf] ljj/0f / ;lx5fkM
gfd, y/ -b]jgfu/Ldf_M ========== gfd, y/ -c+u|]hLdf_M ========= hGd ldltM ====== b:tvtM ===============

7]ufgfM ================== lnËM =============

gful/stf g+= / hf/L ldltM gful/stf hf/L ug]{ sfof{no / :yfgM ======= kmf]g÷df]jfOn g+= =======
==========
klt÷kTgLsf] gfdM =========== afa'sf] gfdM ================= afh]sf] gfdM ============ bfofF jfofF
cfdfsf] gfdM ================== ah}sf] gfdM ================

lnvt ul/lbg] -C0fLM ;+:yfut ePdf_ sf] ljj/0f / ;lx5fkM

;+:yfsf] gfd -b]jgfu/Ldf_M ;+:yfsf] gfd -c+u|]hLdf_M ========= ;+:yfsf] cflwsfl/s k|ltlglwsf]
==========
7]ufgfM ================== gfdM============= kbM
;+:yfsf] k|f]k|fO6/÷;fem]bf/÷cWoIf÷;+rfnssf] gfd -b]jgfu/Ldf_M ========== ================== b:tvtM
;+:yfsf] k|f]k|fO6/÷;fem]bf/÷cWoIf÷;+rfnssf] gfd -c+u|]hLdf_M ========== =============
btf{ g+= / btf{ ldltM ========== btf{ ug]{ sfof{no / :yfgM ====== ;+:yfsf] kmf]g g+= === ;+:yfsf] 5fkM

lnvt ul/lbg] JolQmut lwtf]wgLsf] ljj/0f / ;lx5fkM

of] b[li6aGws lbPsf] hUuf ;d]t ubf{ g]kfn /fHoe/df d]/f] / d]/f] kl/jf/sf] gfddf xbaGbL eGbf a9L hUuf 5}g .
gfd, y/ -b]jgfu/Ldf_M ========== gfd, y/ -c+u|]hLdf_M ========= hGd ldltM ====== b:tvtM ===============
7]ufgfM ================== lnËM =============
gful/stf g+= / hf/L ldltM gful/stf hf/L ug]{ sfof{no / hUufwgL ;+s]t g+= ======= kmf]g÷df]jfOn
========== :yfgM ======= g+= =======
klt÷kTgLsf] gfdM =========== afa'sf] gfdM ================= afh]sf] gfdM ============
cfdfsf] gfdM ================== ah}sf] gfdM ================== bfofF jfofF

lnvt ul/lbg] lwtf]wgL ;+:yfsf] ljj/0f / ;lx5fkM

of] b[li6aGws lbPsf] hUuf ;d]t ubf{ g]kfn /fHoe/df xfd|f] gfddf xbaGbL eGbf a9L hUuf 5}g .
;+:yfsf] gfd -b]jgfu/Ldf_M ;+:yfsf] gfd -c+u|]hLdf_M ========= ;+:yfsf] cflwsfl/s k|ltlglwsf]
==========
7]ufgfM ================== gfdM============= kbM
;+:yfsf] k|f]k|fO6/÷;fem]bf/÷cWoIf÷;+rfnssf] gfd -b]jgfu/Ldf_M ========== ==================
;+:yfsf] k|f]k|fO6/÷;fem]bf/÷cWoIf÷;+rfnssf] gfd -c+u|]hLdf_M ========== b:tvtM=============
btf{ g+= / btf{ ldltM ========== btf{ ug]{ sfof{no / :yfgM hUufwgL ;+s]t g+= ======= ;+:yfsf] 5fkM
============== ;+:yfsf] kmf]g g+= =======

lnvt u/fO{ lng] -wgL a}+s÷;fx"_ sf] ljj/0f / ;lx5fkM

a}+ssf] gfd -b]jgfu/Ldf_M s[lif ljsf; a}+ssf] gfd -c+u|]hLdf_M Agricultural Development Bank Limited a}+ssf] cflwsfl/s k|ltlglw
a}+s lnld6]8
========sfof{no gfdM============= kbM
============ 7]ufgfM ================== b:tvtM
btf{ g+= (@* / btf{ ldltM btf{ ug]{ sfof{no / :yfgM sDkgL a}+ssf] kmf]g g+========= a}+ssf] 5fkM
@)^@.)#.#! /lhi6«f/sf] sfof{no, lqk'/]Zj/, sf7df08f} .

362 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 b[li6aGws lbPsf] crn ;DklQsf] ljj/0fM
hUufsf] ljj/0f -;|]:tf adf]lhd_ 3/hUufsf] d"Nof+sg -c+sdf_ s}lkmot
k|b]zM =========== lhNnfM ================ -3/ / hUufsf] 5'§f5'§} d"Nof+sg /fVg'
kg]{5_
g=kf=÷ jf8{ l;6 g+= ls=g+= v08] If]qkmn lj/x lsl;d df]xLsf] gfd, y/ hUuf 3/ s"n d"Nof+sg
uf=kf= g+= -c+s / cIf/df_

;fIfLsf] ljj/0f / ;lx5fkM

gfd, y/ -b]jgfu/Ldf_M ========== gfd, y/ -c+u|]hLdf_M ========= hGd ldltM ====== b:tvtM ===============

7]ufgfM ================== lnËM =============

gful/stf g+= / hf/L ldltM ========== gful/stf hf/L ug]{ sfof{no / :yfgM =======================
klt÷kTgLsf] gfdM =========== afa'sf] gfdM ================= afh]sf] gfdM ============
cfdfsf] gfdM ================== ah}sf] gfdM bfofF jfofF
================
;+nUg k|df0fx?M
s_ rfn' ====cf=j=sf] dfnkf]t /l;bsf] k|ltlnkL yfg ! v_ ===n] ul/lbPsf] 3/af6f]sf] l;kmfl/z kq ;Ssn yfg ! u_
hUufwgL btf{ k|df0f k"hf{sf] k|ltlnkL yfg ! 3_ s/ r'Qmf k|df0fkqsf] k|ltlnkL yfg !
ª_ lnlvt ul/lbg]sf] gful/stfsf] k|df0fkqsf] k|ltlnkL yfg !

O{lt ;Djt\ @) ==== ;fn =====dlxgf ===========ut] =========/f]h z'ed\ ================= .

bfofF jfofF
of] lnvt d sf/0fL -C0fL_ ===== :jod\n] tof/ u/]÷u/fPsf] xf] egL ;xL ug]{M x:tfIf/===============
gfdM===================

sfof{no k|of]hgsf] nflu

n]lvPsf] adf]lhd >]:tf sfod 5÷5}g .
sd{rf/Lsf] b:tvtM ======================== gfdM ==================== kbM ======================= ldltM =========================

n]lvPsf] ls=g+= =======================sf] hUuf÷3/hUuf /f]Ssf 5÷5}g .

sd{rf/Lsf] b:tvtM ================ gfdM ==================== kbM ======================= ldltM =========================

n]lvPsf] hUufsf] Go'gtd d"Nof+sg ?= ============== x'g] b]lvG5 .

sd{rf/Lsf] b:tvtM ============== gfdM ==================== kbM ======================= ldltM =========================

/lhi6«]zg g+= =========== g]kfn ;/sf/ :jLs[t -kfl/t_ ug]{sf] b:tvt

kfl/t ldltM ============= e"ld Joj:yf, ;xsf/L tyf ul/jL lgjf/0f dGqfno / ldltM ===============
6f]sg÷btf{ g+= ========== e"ld Joj:yfkg tyf clen]v ljefu gfdM ============= kbM =================
ldltM ============== dfnkf]t sfof{noM of] lnvtsf] Joxf]/f lng] lbg] b'j} kIfnfO{ k9]/ ;'gfpFbf
sf/f]af/ -y}nL_ c+s ?= ========== ============= lnvt adf]lhd sf/f]af/ u/]sf] d~h'/ u/]sf]n] lnvt kfl/t
/lhi6«]zg b:t'/ ?============ 8f]/d'sfd============== -:jLs[t_ ug{sf] nflu k]z u/]sf] 5' .
k"FhLut nfes/ ?= ============== kmfF6jfnfsf]
cGo s/÷b:t'/ ?============ b:tvt / ldltM ========== gfdM
/l;b g+= ============= ========== kbM ===============

] 394

394
;+rfns ;ldltsf] ldlt @)&%.)&.)^ sf] lg0f{on] ;fljs @*=!, @*=@, @*=#, @*=$ nfO{ x6fO{ o; cg';'rL @*=! agfOPsf]df ;+rfns ;ldltsf] ldlt
@)&%.)*.!^ sf] t];|f] ;+;f]wg cg';f/ ;flassf cg';'rL oyfjt sfod ul/ o; Plss[t cg';'rL @*=!$ agfOPsf]

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 363

 [JolQmn] lng] shf{sf nflu ul/lbg] ;+:yfut hdfgtsf] lnvt cg';"rL - @*=!%_

lnlvtd\ hdfgLsf] lnvt u/fO{ lng]sf] gfd sf7df8f} lhNnf, sf7df8f} dxfgu/kflnsf /fdZffxkydf
d'Vo sfof{no /xL ========= = l:yt ====== sfof{no ======== /x]sf] s[lif ljsf; a}+s ln= -h;nfO{ o; kl5
o; lnvtdf wgL a}+s elgPsf] 5_ / hdfgLsf] lnvt u/L lbg] ======================= P]g ======== adf]lhd
======================================= sfof{no÷ljefudf btf{ g+= ================ cGtu{t ldlt ===================df
/lhi68{÷btf{ ePsf] ============ lhNnf ==================== d=kf=÷p=d=g=kf=÷uf=kf= j8f g+= ==== , ===============
l:yt /lhi68{÷btf{ sfof{no /x]sf] ===========================ln=÷k|f=ln=÷kmd{ sf] tkm{af6 clwsf/ k|fKt === ===
=== === === === === === kbsf >L === === === === === === === === === === === -h;nfO{ o;kl5 o; lnvtdf hdfgt
lbg] egL ;Daf]wg ul/Psf] 5_ cfu], ============================================================ sf] gftL÷gftLgL
============================ sf] 5f]/f÷5f]/L÷a'xf/L=================================================sf]
kTgL=======================================lhNnf ===========================d=kf=÷p=d=g=kf=÷g=kf=÷uf=kf= j8f g+
==========a:g] aif{ ==== sf]÷sL ====================================================ln=÷k|f=ln=÷kmd{ sf]
==============================kbdf sfo{/t >L÷>LdtL÷;'>L=========================================, gf=k|=g+= ============,
ldlt ==================lhNnf ==========================-h;nfO{ o;kl5 o; lnvtdf C0fL egL ;Daf]wg ul/Psf]
5_ nfO{ tkfO{ wgL a}+sn] xfd|f] l;kmfl/z tyf xfdLn] lbg] ;+:yfut hdfgLsf] cfwf/df sd{rf/L tnaL
vftf shf{ ?=====================. -cIf]?kL ====================================== dfq_ sf] C0f shf{ tyf a}+lsË
;'ljwfx? o; cl3 ;do ;dodf k|bfg u/]sf], ub}{ cfPsf] / ;fy} eljiodf k|bfg ug]{ C0f shf{ tyf
cGo a}+lsË ;'ljwfx? tyf ;f] gjLs/0f ePdf ;f] ;d]tdf tklzndf pNn]lvt zt{ aGb]hx? k/L kfngf
ug]{ u/L tkfO{ wgL a}+snfO{ ltg{ a'emfpg kg]{ ;fFjf, Jofh, sldzg, kmL, dflh{g cflb cGo /sd snd
;d]t r'Qmf e'Qmfg ug]{ u/L hdfgt al;lbg xfd|f] d~h'/L ePsf]n] tkfO{ wgL a}+snfO{ C0fLn] ltg{
a'emfpg kg]{ pNn]lvt shf{ tyf a}+lsË ;'ljwf /sd snd shf{ lng] C0fLn] tkfO{ wgL a}+snfO{ glt/]
ga'emfPdf tkfO{ wgL a}+sn] dfFu u/]df tkl;n adf]lhdsf] zt{ aGb]hsf] cwLgdf /xL xfdL hdfgL lbg]
cfkm}n] ltg]{ a'emfpg d~h'/ u/L of] hdfgLsf] lnvt u/L lbPsf 5f} . tkfO{ wgL a}+sn] dfFu u/]sf avt
shf{ lng] C0fLn] glt/], ga'emfPdf jf a'emfpg cfn6fn u/]df tkfO{ wgL a}+sn] xfdL hdfgt lbg]
====================================ln=÷k|f=ln=÷kmd{sf] txfF /x]sf] vftf g+= === === === === === === === df /x]sf]
lgIf]k hDdf /sd jf ;f] lgIf]k hDdf /sdn] gk'u]df xfdL ===========================ln=÷k|f=ln=÷kmd{sf] cGo
rn, crn hfoh]yfaf6 c;'n pk/ u/L lnPdf xfd|f] d~h'/L 5 . kl5 lgh C0fL
>L÷>LdtL÷;'>L================================================, n] lnP, vfPsf] C0f xfdL hdfgt lbg]n] ltg{
a'emfpg kg]{ xf]O{g egL jf cGo s'g} Joxf]/fn] ph'/ afh'/ ug]]{ 5}g u/] o;} lnvtn] jb/ u/fO{ lng' egL
of] hdfgLsf] lnvt === === ==== === === ===sf]÷ ================ l:yt =====sfof{no ===========df a;L n]lv 6fO{k
u/fO{ k9L afFrL o:sf] dtna / kl/0ffd /fd|/L ;DemL a'emL d]/f]÷xfd|f] dgf]dfg v'lz/fhLn] ;lx5fk u/L
tkfO{ wgL a}+snfO{ lbof}F / o:sf] Ps k|lt bf]xf]/f] a'emL lnof} . ;fIfL lsgf/fsf ;b/ .
tkl;n
!= o;df pNn]lvt C0f shf{ tyf a}+lsË ;'ljwfx?sf] tkfO{ wgL a}+snfO{ ltg{ a'emfpg kg]{ /sd,
snd ltg]{ a'emfpg] ;DaGwdf xfdL hdfgt lbg]
==========================================ln=÷k|f=ln=÷kmd{sf] hdfgt lbg]sf] bfloTj d'n C0fL ;/x g}
x'g]5, h; cg';f/ tkfO{ wgL a}+sn] pQm C0f shf{ tyf a}+lsË ;'ljwfx? ltg{ a'emfpg afFsL /sd
snd C0fL >L÷>LdtL÷;'>L=========================================, ;Fu t/ tfs]tf ubf{ c;'n pk/
gePdf ;f]em} xfdL hdfgL lbg];Fu dfFu ug{ ;Sg] / pk/f]Qm /sd, snd xfdLn] tkfO{ wgL
a}+snfO{ C0fL (Principal Debtor) ;/x k|fylds bfloTj (Primary Liability) sf ?kdf ltg{ a'emfpg kg]{
/ pk/f]Qm adf]lhdsf] C0f shf{sf] ;Dk'0f{ /sd snd r'Qmf e'Qmfg geP;Dd ;f] k|lt xfd|f]
bfloTj lg/Gt/ /xL /xg] s'/fdf hdfgt lbg] xfd|f] d~h'/L 5 .
@= o;df pNn]lvt C0f shf{ tyf a}+lsË sf/f]af/ ;'lawfsf] ltg{ a'emfpg afFsL ;fFjf, Jofh tyf
cGo /sd snd tkfO{ wgL a}+sn] dfFu u/]sf] avt ltg{ a'emfpg hdfgt lbg] xfd|f] d~h'/L 5 .

hdfgLstf{sf] b:tvt hdfgLstf{sf] sfof{nosf] %fk k]h 3 sf] 1

364 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 #= C0fLn] tkfO{ wgL a}+saf6 k|fKt sd{rf/L tnjL vftf C0f shf{ tyf pQm shf{ ;Fu ;DjlGwt
a}+lsË sf/f]af/ ;'ljwfsf] ltg{, a'emfpg kg]{ ;fFjf, Jofh, sldzg, kmL, dflh{g cflb /sd sndsf]
;do ;dodf ls:tf e'Qmfg u/]sf] jf cf+lzs r'Qmf u/]sf] jf ;f]dWo] s]xL r'Qmf u/]sf] cfwf/df
xfdL hdfgt lbg]n] dfly k|s/0f g+= ! / @ adf]lhd axg ug{ :jLsf/ tyf d~h'/ u/]sf] k|fylds
bfloTjsf] s'/fdf s'g} k|lts'n k|efj kf/]sf] dflgg] 5}g / pNn]lvt k|fjwfgsf] ;j{dfGotfdf s'g}
k|lts'n jf ljkl/t k|efj gkg]{ u/L afFsL /sd, snd ltg{ a'emfpg hdfgt lbg] xfd|f] d~h'/L 5 .
$= tkfO{ wgL a}+sn] C0fL;Fu pNn]lvt C0f shf{ tyf a}+lsË sf/f]jf/ ;'ljwfsf] ;Gbe{df cGo rn,
crn hfoh]yf ;'/If0fsf] ?kdf u|x0f u/]sf] jf lwtf]aGwsL n]vfO{ lnPsf] jf cGo t];|f] JolQm
;d]t;Fu hdfgt lnPsf] jf To;/L lnPsf] ;'/If0f km's'jf u/L lbPsf] jf hdfgtaf6 5'6sf/f
lbPsf] jf C0fL jf t];|f] JolQm;Fu C0f shf{ r'Qmf e'Qmfg ug]{ ;DaGwdf ;Demf}tf ldnfkq u/L
Dofb yk u/L lbPsf] jf 5'6 ldGxf lbPsf] jf cGo zt{ sa'lnot u/]sf], zt{ sa'lnotdf kl/jt{g
jf ;+zf]wg u/]sf] eGg] cflb s'g} klg cfwf/df xfdLn]] o; lnvt adf]lhd k|fylds ?kdf Joxf]g{
d~h'/ u/]sf] bfloTjdf s'g} k|lts'n jf ljkl/t k|efj k/]sf] dflgg] 5}g / xfdLn] :jLsf/ tyf
d~h'/ u/]sf] bfloTj k|fylds bfloTjsf] ?kdf xfdLn] lgjf{x tyf jxg ug'{ kg]{ d]/f]÷xfd|f] st{Jo
oyfjt /xL /xg] 5 / xfdLn] tkfO{ wgL a}+ssf] kIfdf u/L lbPsf] o; hdfgLsf] lnvt jdf]lhd
tkfO{ wgL a}+s k|ltsf] hdfgL lbg] xfdL ===========================ln=÷k|f=ln=÷kmd{sf] bfloTj x'g] eGg]
s'/fdf xfd|f] d~h'/L 5 . h; cg';f/ tkfO{ wgL a}+sn] cfˆgf] thljhdf C0f shf{sf] ;'/If0f
afkt cGo rn crn ;DklQ /x]sf] jf cGon] hdfgt u/L lbPsf] cj:yfdf ;d]t o; lnvt
adf]lhd hdfgL u/L lbPsf] xb;Ddsf] /sd snd ;f]em} xfdL;Fu JolQmut ?kdf c;'n pk/ u/L
lng ;Sg] s'/fdf hdfgt lbg] xfdL ===========================ln=÷k|f=ln=÷kmd{sf] d~h'/L 5 .
%= sy+sbflrt C0fL 6f6 kN6]df (Declared Bankrupt) jf C0fLsf] d[To' ePdf jf C0fL a]kQf ePdf
jf jf c;Ifd JolQm e} sfg"gtM C0f shf{sf] bfloTjjf6 d'Qm ePdf cGo s'g} sf/0fn] C0fL shf{
afktsf] ;fFjf, Jofh tyf a}+lsË ;'ljwf ;d]t r'Qmf e'Qmfg ug{ c;dy{ ePdf ;d]t tkfO{ wgL
a}+snfO{ o; hdfgLsf] lnvt adf]lhd ltg{ a'emfpg d~h'/ u/]sf] bfloTjdf s'g} k|lts'n k|efj
k/]sf] dflgg] 5}g . hdfgt lbg] xfdL ===========================ln=÷k|f=ln=÷kmd{sf] tkfO{ wgL a}+sk|lt
o; lnvt jdf]lhdsf] ltg{ j'emfpg kg]{ bfloTjsf] l:yltdf s'g} kl/jt{g ePsf] dflgg] 5}g /
o:tf] bfloTj r'Qmf e'Qmfg geP;Dd oyfjt sfod /xL /xg]5 . pk/f]Qm bfloTj cGtu{t ltg{
a'emfpg kg]{ /sd snd ltg{ a'emfpg hdfgt lbg] xfd|f] d~h'/L 5 .
^= C0fLn] tkfO{ wgL a}+snfO{ pNn]lvt C0f shf{ dWo] of] olt ltg{ kg]{ egL cbfntsf] km};nfåf/f
7x/ u/L lbPsf] /sd snd jf tkfO{ wgL a}+sn] C0fLnfO{ lnvt ;'rgf lbO{ dfFu u/]sf] ltg{
a'emfpg afFsL /sd snd jf tkfO{ wgL a}+ssf] C0f :jLs[t–kq, vftfaxL, :6]6d]06 cflbaf6
C0fLn] tkfO{ wgL a}+snfO{ ltg{ a'emfpg afFsL b]lvPsf] /sd snd g} C0fLn] tkfO{ wgL a}+snfO{
ltg{ a'emfpg kg{] jf:tljs bfloTjsf] ?kdf dflgg] / ;f]xL cfwf/df tkfO{ wgL a}+sn] lnlvt
;'rgf lbO{ xfdL hdfgL stf{;Fu /sd snd ltg{ a'emfpg dfu u/]sf] ;'rgfnfO{ clGtd tyf
csf6\o k|df0f (Final and Conclusive Evidence) sf] ?kdf :jLsf/ u/L ;f] dfFu u/]sf] ;"rgfdf
pNn]lvt /sd snd oyflz3| ltg{ j'emfpg hdfgt lbg] xfd|f] d~h'/L 5 . ;f] ;DaGwdf s'g}
ph'/ jfh'/ ug]{ 5}g .
&== pk/f]Qm k|s/0fx?df h] h:tf] Joxf]/f pNn]v ePtfklg o; lnvt adf]lhd d]/f÷xfd|f] bfloTj
tkfO{ wgL a}+sn] C0fLnfO{ k|bfg ug]{ pk/f]Qm /sdsf] C0f shf{ tyf a}+lsË sf/f]af/ ;'ljwf /
;f]df a}+s lgodfg';f/ x'g] Jofh, k]gn Jofh, dflh{g, kmL, sldzg tyf cGo /sd snd ;d]tsf]
xb;Dd dfq ;Lldt /xg]5 .
*= o; lnvt adf]lhd d~h'/ u/]sf] zt{ aGb]hx? kfng gu/]df jf hdfgL lbg]sf] bfloTj k'/f
gu/]df tkfO{ wgL a}+sn] d'Vo C0fL ;/x k|rlnt sfg"g adf]lhd pNn]lvt /sd hf] h] ug'{ kg]{

hdfgLstf{sf] b:tvt hdfgLstf{sf] sfof{nosf] %fk k]h 3 sf] 2

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 365
 u/L c;'n pk/ u/L xfdL ===========================ln=÷k|f=ln=÷kmd{ nfO{ a}+ssf] lgodfg';f/ tyf
g]kfn /fi6« a}+ssf] lgb]{zgsf] k|s[of k'/f u/L sfnf] ;"rLdf /fv]df ;d]t xfdL hdfgt lbg]sf]
d~h'/L 5 . kl5 o; ljifodf slx st} ph'/ afh'/ ug]{ 5}gf} .
(= hdfgt lbg] xfdL ===========================ln=÷k|f=ln=÷kmd{ / C0fLsf aLrdf n]gb]g sf/f]af/ eO{
pk/f]Qm cg';f/ C0fLn] dnfO{ /sd snd ltg{, j'emfpg' kg]{ cj:yfdf ;d]t C0fLn] tkfO{ wgL
a}+snfO{ ltg{ j'emfpg kg]{ /sd snd lt/L j'emfO{ km5\of}{6 geP;Dd d}n] C0fL;Fu n]gb]g sf/f]af/
cGtu{t k|fKt ug'{ kg]{ /sd k|fKt ug{sf nflu s'g} lsl;dsf] bfjf ug]{ jf sfg"gL sf/jfxL rnfpg]
5}g .
!)= a}+saf6 shf{ lng] o; ===========================ln=÷k|f=ln=÷kmd{ sf sd{rf/Ln] shf{ glt/]df xfdL
===========================ln=÷k|f=ln=÷kmd{ nfO{ lnlvt ;'rgf lbg' kg]{ ePdf xfdLn] pknJw u/fPsf]
3/ 7]ufgfdf JolQm jf x'nfs dfkm{t\ jf ljB'tLo ;~rf/ dfWod -ˆofS;, O{d]n cflb_ af6 ;"rgf
lbg ;lsg]5 . To;/L JolQm dfkm{t\ lbPsf] ;'rgfsf] xsdf a'emfPsf] ldltn] / x'nfs dfkm{t\
k7fPsf] ;'rgf /lhi68{ u/]sf] ldltn] !% lbgleq tyf ljB'tLo ;~rf/ dfWodaf6 k7fPsf] xsdf
;"rgf k7fPsf] ldltn] # lbgleq hdfgt lbg] xfdLn] k|fKt u/]sf] dflgg]5 . ;fy} tkfO{ wgL a}+sn]
x'nfs dfkm{t\ /lhi68{ u/L jf ljB'tLo ;~rf/ dfWodaf6 xfdL
===========================ln=÷k|f=ln=÷kmd{sf] 7]ufgfdf of] ldltdf ;'rgf k7fPsf] egL lnlvt ?kdf
k|dfl0ft u/L lbPdf ;f] s'/f cGoyf k|dfl0ft geP;Dd To:tf] ;'rgf k7fPsf] s'/fsf] csf6\o tyf
clGtd k|df0f (Final and Conclusive Evidence) sf] ?kdf x'g] s'/fdf ;d]t d]/f] d~h'/L 5 .
!!= hdfgt lbg] xfdL ==================================================ln=÷k|f=ln=÷kmd{sf] txfF /x]sf] vftf g+= ===
=== === === === === === df tyf pQm vftfsf] /sdn] gk'u]df xfdL
===========================ln=÷k|f=ln=÷kmd{sf] gfdsf] s'g} klg rn crn ;DklQ /f]Ssf /fVg To:tf]
rn crn ;DklQaf6 a}+sn] O{R5fPsf] tl/sf cg';f/ c;"n pk/ u/L lng kfpg]df ;d]t hdfgt
lbg] xfd|f] d~h'/ 5 . C0fLn] /sd ga'emfPdf hdfgt lbg] xfd|f] plNnlvt vftfaf6 /sd c;'n
pk/ ul/ lng jf rn crn ;DklQaf6 dfq lnnfd lalqm u/L shf{ c;"n pk/ ug{ kfpg] xf]Og
eGg] ;d]tsf s'g} s'/f ug]{ 5}gf} . u/]df o;} ;+:yfut hdfgtsf] lnvtsf] cfwf/df ab/
ul/lbg'x'g xfd|f] dGh'/L 5 .

hdfgL stf{sf] b:tvt M

hdfgL stf{sf] gfd M
hdfgL stf{sf] kb M
hdfgL stf{sf] sfof{no M hdfgL stf{sf] sfof{nosf] 5fk

;fIfLx?M

!=

@=
Olt ;Dat\ @)===== ;fn ======== dlxgf === ut] /f]h ========= z'ed\ =========.

-gf]6 M o;/L ;+:yfut hdfgt lb+bf pQm ;+:yfsf] slDtdf klg clws[t :t/sf] sd{rf/LnfO{ ;fIfL /fVg'
kg]{5 ._ ]395

395 k]h 3 sf] 3

k|d'v sfo{sf/L clws[tsf] ldlt @)&%.!!.)^ sf]] lg0f{o adf]lhd cg';'rL @*=!% yk ePsf] .

366 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 [ cg';"rL @*=!^
JolQmut z]o/ wgL jf sDkgL ÷kmd{ ÷k|f]k|fO{6/l;kn] a}+saf6 z]o/ lwtf] -dflh{g n]l088=_ shf{
lnbf ul/lbg] td;'s -gd'gf_

lnlvtd\ wgLsf gfd sf7df08f} lhNnf sf7df08f} dxfgu/kflnsf j8f g+= ====== /fdzfxky,
sf7df08f}df d'Vo sfof{no /x]sf] s[lif ljsf; a}+s lnld6]8sf] ==========l:yt ==============sfof{no
bfFof

=========-h;nfO{ o; pk|fGt wgL a}+s elgPsf] 5_ lnvt u/L lbg]sf gfd >L =============== sf]
gftL÷gfltgL >L ====================== 5f]/f÷5f]/L÷a'xf/L =======================sf] klt ÷kTgL ===============
lhNnf, ==========================g=kf=÷uf=lj=;=j8f g+====, eO{ xfn =============== lhNnf,
===============g=kf=÷uf=lj=;= j8f g+= =============a:g] aif{ ==========-gf=k|=g+============ldlt
afFof

=================lhNnf ==============_ sf] >L ======================================= jf k||fO{e]6 kmd{ /lhi6]«zg

P]g÷;fem]bf/L P]g÷sDkgL P]g=======adf]lhd ldlt ============ df g]kfn ;/sf/, =========== dGqfno,
================ ljefu, =============sfof{no, ============df btf{ g+= ====================cGtu{t btf{ ePsf]
!= ======= =============
;fIfLx?
#= lnvt tof/ kfg]{ wgL a}+ssf] sd{rf/Lsf] gfd÷kb÷sf]8 g+=÷b:tvt======= =============
@= ======= =============

============= lhNnf, ==========g=kf÷uf=lj=;= j8f g+= ===== df /lhi68{ 7]ufgf /x]sf] >L
========================= kmd{÷sDkgLsf tkm{af6 clVtof/ k|fKt÷k|f]k|fO{6/÷;~rfns÷;fem]bf/ >L
=============== sf] gftL÷gfltgL >L ====================== 5f]/f÷5f]/L÷a'xf/L =======================sf] klt kTgL
lhNnf, ==========================g=kf=÷uf=lj=;=j8f g+====, eO{ xfn =============== lhNnf,
===============g=kf=÷uf=lj=;= j8f g+= =============a:g] aif{ ==========-gf=k|=g+============ldlt
=================lhNnf ==============_ aif{ ======== sf] d÷xfdL >L =========================== n] cfˆgf] Jofkf/,
Joj;fo j[l4 tyf lj:tf/ k|of]hgsf nflu C0f÷shf{ pknAw u/fO{lbg tkfO{ wgL a}+sdf ldlt
================= df u/]sf] cfj]bg adf]lhd tkfO{+ wgL a}+sn] d÷xfdL C0fLsf] gfddf hf/L u/]sf] ldlt
================ sf] C0f :jLs[lt kqfg';f/ :jLs[t tkl;n adf]lhdsf] z]o/ lwtf] shf{÷C0f
?=====================. -cIf]?kL ====================== dfq_ sf] C0f/shf{ ;f]xL C0f :jLs[lt kqdf pNn]v
eP adf]lhd tyf ;f]sf] cnfjf d÷xfdL C0fLx?nfO{ :jLs[t shf{ ;Ldf sfod u/L ;f]xL shf{ ;Ldf
dWo]af6 d÷xfdL C0fLsf] clVtof/L k|fKt u/L cfPsf]] Ps} ;d'x cGtu{tsf kmd{÷sDkgL -l;:6/
sG;g{_ nfO{ ;d]t C0f shf{ pknAw u/fPdf tyf tkfO{ wgL a}+sn] ;do ;dodf C0fLsf] gfddf
hf/L ug]{ C0f :jLs[lt kq tyf o; lnvtdf pNn]lvt zt{ aGb]hx?sf] clwgdf /xL k|fKt ug]{ /
pkof]u ug]{ u/L of] z]o/ lwtf]÷C0f shf{sf] td;'s u/L lbPsf] 7Ls ;fFrf] xf] . tkfO{ wgL a}+saf6
k|fKt ;]o/ lwtf] C0f/shf{ tyf a}+lsË ;'ljwfx?df nfUg] Aofh, sldzg, kmL, z"Ns cflb b} b:t'/
tkfO{ wgL a}+sn] d÷xfdL C0fLsf] gfddf hf/L u/]sf] pNn]lvt ldltsf] C0f :jLs[ltkq÷jf ;f]df
;do ;dodf x'g] ;+zf]wg÷jf ;f]sf] ;§fdf hf/L x'g] C0f :jLs[lt kq jf gjLs/0f kqdf pNn]v
ePsf] zt{, k|ls|of, Jofhb/, kl/jlt{t Aofhb/ ;d]t tyf ;f]df lgwf{l/t k|s[of adf]lhd tf]lsPs}
efvf leq ltg]{ a'emfpg] 5'÷5f}+ . o; lnvt adf]lhd lnPsf] C0f o; lnvtdf pNn]v ul/Psf]
tyf kl5 k6s k6s gjLs/0f u/L Dofb a9fO{Psf]df To;/L a9fOPsf] ldlt ;Dddf r'Qmf e'Qmfg
ug]{ 5'÷5f}+ . :jLs[t C0f/ shf{ tyf a}+lsË ;'ljwfx? lgoldt ePdf gjLs/0f x'Fbfsf avt tkfO{+
wgL a}+sn] d/xfdL C0fLsf gfpFdf hf/L ug]{ C0f :jLs[lt kqdf tf]lsPsf] zt{, tl/sf, b/, lgwf{l/t
k|s[of adf]lhd ;f]df lgwf{l/t efvf leqdf d/xfdL C0fL cfkm} jf cfˆgf] k|ltlglw dfkm{t\ tkfO{+ wgL
a}+sdf pkl:yt eO{ C0f shf{sf] ;Dk"0f{ ;fFjf / dfl;s ?kdf Jofh cflb r'Qmf e'Qmfg ug]{5'/5f}+ .
lwtf] :j?k /fv]sf] shf{sf] ahf/ d"Nodf sld eO{ a}+sn] tf]lsPsf] Dofb cufj} cf+lzs jf k"0f{ ?kdf
C0f /sd j'emfpg nufPdf -dflhg{ sn_ pQm ;do d} tf]lsPsf] /sd j'empg] 5' . shf{ kqdf
tf]lsP adf]lhdsf] ;fFjf tyf dfl;s ?kdf Aofh ga'emfPdf a}+s lgodfg';f/ nfUg] yk Jofhb/ ltg{
Joxf]g{ d~h'/L 5' /5f}+ . ;f]xL cg';f/ d/xfdL C0fLsf] gfpFdf :jLs[t C0f÷shf{ pkef]u ubf{ tkfO{+

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 367

 wgL a}+s pk/ s'g} yk bfloTjx? >[hgf ePdf To:tf] yk bfloTjx? tkfO{+ wgL a}+sn] dfu ugf{;fy
ltg]{ a'´fpg] 5'/5f}+ . :jLs[t C0f÷shf{ tyf eljiodf tkfO{+ wgL a}+sn] pknAw u/fpg] yk C0f
shf{ ;d]tsf] ;'/If0f afkt ;Dk"0f{ rn crn ;DklQx? o;} lnvtaf6 tkfO{+ wgL a}+ssf] gfpFdf
;'/If0f n]lvlbPsf] 5'/5f}+ . ;fy} d/xfdL C0fLsf] tyf JolQmsf] tyf k|fO{e]6 kmd{sf] xsdf d÷xfdL

qm=;+ :jLs[t z]o/ lwtf] shf{ /sd c+s / jflif{s Jofhb/ tyf shf{ r'Qmf
= shf{÷;'ljwfsf] zLif{s cIf/df kmL÷sldzg ug]{ cjlw

C0fLsf] sfg"g adf]lhdsf xsjfnf kl/jf/x? hf] ;'s}sf] gfpFdf /x] ePsf] ;Dk"0f{ rn crn
;DklQx? tyf eljiodf d/xfdL C0fLsf] tyf d]/f÷xfd|f Psf3/ kl/jf/ hf] ;'s}sf] gfpFdf sfod x'g]
;DklQ tyf d/xfdL C0fLn] s'g} cf;fdLx?af6 e'QmfgL k|fKt ug{ afFsL /sdx?, d÷xfdL C0fLsf]
cGo a}+s tyf ljQLo ;+:yfx?df /x]sf] lgIf]k /sd ;d]t l;ldt bfloTj ePsf tyf ;+:yfsf] xsdf
xfdL C0fL ;+:yfsf] gfpFdf sfod /x]sf] cGo ;DkQLx? xfdL C0fLn] s'g} cfzfdLjf6 e'QmfgL k|fKt
ug{ afFls /sdx?, xfdL C0fLsf] cGo a}+s tyf ljQLo ;+:yfx?df /x]sf] lgIf]k /sd ;d]t o;}
lnvtaf6 tkfO{+ wgL a}+ssf] gfpFdf ;'/If0f n]lvlbPsf] 5'/5f}+ . pQm lgIf]k tyf p7\tL /sdx?
nufot cGo ;DklQx? e'QmfgL lng o;} lnvtaf6 tkfO+{ wgL a}+snfO{ k"0f{ clwsf/ ;"lDkPsf] 5'÷5f}+
. ;f]sf] cnfjf k|fKt C0fshf{ tyf eljiodf ;d]t d÷xfdL C0fLn] k|fKt ug{ ;Sg] yk C0fshf{
;'/If0f jfkt d÷xfdL C0fLsf] gfpFsf] jf cGo lwtf] hdfgt lbg] sf]xL s;}sf] gfdsf] ;'/If0f jfkt
d]/f]÷xfd|f] gfddf /x]sf] lwtf]df n]lvlbPsf] z]o/ ;'/If0f tyf ;f]af6 cflh{t xsk|b tyf af]g;
z]o/÷gub nfef+z ;d]t lwtf] sfod /xg] 5 . k|fKt C0f÷ shf{sf] tkfO{+ wgL a}+snfO{ ltg'{kg]{ ;fFjf,
Jofh, yk Aofh, kmL, sldzg, z'Ns cflb tkfO{ wgL a}+ssf] pNn]lvt ldltsf] C0f :jLs[lt kq÷jf
;f]sf] ;+zf]wg jf ;f]sf] ;§fdf hf/L x'g] csf]{ C0f :jLs[lt kqfg';f/ tf]lsP adf]lhd glt/]
ga'´fPdf jf ltg{ a'´fpg cfn6fn u/]df C0f :jLs[lt kq tyf o; lnvtsf s'g} klg
zt{aGb]hx? pNn+3g u/]df a}+s tyf ljQLo ;+:yf ;DaGwL P]g,@)&# tyf k|rlnt cGo g]kfn sfg"g
adf]lhd jf tkfO+{ wgL a}+ssf] lgodfg';f/ lalqm u/L jf cGo Joj:yf u/L tkfO{+ wgL a}+sn] d÷xfdL
C0fLaf6 lng afFsL ;fFjf, Aofh, xh{gf Aofh, b}b:t'/, C0f c;'n pk/ ug]{ ;DaGwdf ePsf] vr{,
sfg"gL vr{ nufotsf] ;Dk"0f{ n]gf /sd c;'n pk/ u/L lng'xf]nf . ;f] adf]lhd n]gf /sd c;'n
pk/ gePdf k|rlnt cGo g]kfn sfg"g adf]lhd laleGg c88\f cbfnt dfkm{t jf tkfO+{ wgL a}+ssf]
cfˆg} lgodfg';f/ sf/jfxL u/]df ;d]t d÷xfdL C0fLsf] k"0f{ d~h'/L 5 . sy+sbflrt lwtf]df
n]lvlbPsf] ;'/If0f lnnfd laqmL x'g g;s]df tkfO{+ wgL a}+ssf] ;Dk"0f{ n]gf /sd c;'n pk/ x'g
g;s]df d÷xfdL C0fLsf Psf3/÷kl/jf/sf] gfddf /x]sf] / 3/fgfsf] ;DklQaf6 c;'n pk/ u/L
lng'xf]nf . sy+sbflrt shf{ ;Demf}tfsf] zt{x? pNn+3g u/]df jf k|rlnt P]g, lgod, lgb]{zg
ljkl/t u/]df jf g]kfn /fi6« a}+sn] a}+s tyf ljQLo ;+:yfx?nfO{ hf/L u/]sf] sfnf] ;"rL ;DaGwL
lgb]{lzsfsf] Aoj:yf adf]lhd shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf gfd ;dfj]z u/]df ;d]t d]/f]÷xfd|f]
k"0f{ d~h'/L 5 egL of] lnvt cBf]kfGt k9L, afrL, ;'gL lnvtdf n]lvPsf] Aoxf]/fsf] cy{ / kl/0ffd
;d]t a'emL lsgf/fsf ;fIfLx?sf /f]xj/df tkfO{+ wgL a}+ssf] ===========sfof{no =============df a;L of]
shf{ td;'ssf] lnvtdf ;xL5fk u/L tkfO{+ wgL a}+snfO{ lbP+/lbof}+ .

tkl;n
!= shf{sf] ljj/0f

368 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

@= lwtf]sf] ljj/0fM

s |;+ z]o/ wgLsf] lhNnf j lsl; lwtf]df /xg] z]o/ z]o/ wgL z}o/ s}lkm
;+Vof ot
gfd 8f d s+kgLsf] gfd k|df0fkq g+=

d]/f]===============================xfd|f] ====================================gfdsf] xsef]usf]

==================================s+kgLx?=========================== ================,======================,====================
============================================sf] z]o/ btf{ g+ ============== b]lv ===============;Ddsf] s'n lsQf ;+Vof =================
/ ;f] jf6 j9] j9fPsf] jf]g; tyf xsk|b z]o/ ;d]t .

O{lt ;Dat\ ============================================= ;fn ==========dlxgf =======ut] ======/f]h ======z'ed\======.

bfof afof

a}+s k|of]hgsf] nfluM

lwtf]kq /f]Ssfsf] k7fPsf] kqsf] lwtf] sf/f]jf/ s+kgL ========================= af6
lwtf] /f]Ssf eO{ cfPsf] kqsf]
r=g+=M ldltM r=g+=M ldltM

] 396

396
k|d'v sfo{sf/L clws[tsf] ldlt @)&%.!@.@$ sf]] lg0f{o adf]lhd yk .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 369

 cg';'rL @*=!&
JolQmn] lng] shf{sf nflu ul/lbg] ;+:yfut hdfgtsf] lnvt
lnlvtd\ hdfgLsf] lnvt u/fO{ lng]sf] gfd sf7df8f} lhNnf, sf7df8f} dxfgu/kflnsf /fdZffxkydf
d'Vo sfof{no /xL ========= = l:yt ====== sfof{no ======== /x]sf] s[lif ljsf; a}+s ln= -h;nfO{ o; kl5
o; lnvtdf wgL a}+s elgPsf] 5_ / hdfgLsf] lnvt u/L lbg] ======================= P]g ======== adf]lhd
======================================= sfof{no÷ljefudf btf{ g+= ================ cGtu{t ldlt ===================df
/lhi68{÷btf{ ePsf] ============ lhNnf ==================== d=kf=÷p=d=g=kf=÷uf=kf= j8f g+= ==== ,
=============== l:yt /lhi68{÷btf{ sfof{no /x]sf] ===========================ln=÷k|f=ln=÷kmd{ sf] tkm{af6
clwsf/ k|fKt === === === === === === === === kbsf >L === === === === === === === === === === === -h;nfO{
o;kl5 o; lnvtdf hdfgt lbg] egL ;Daf]wg ul/Psf] 5_ cfu],
============================================================ sf] gftL÷gftLgL ============================ sf]
5f]/f÷5f]/L÷a'xf/L=================================================sf] kTgL=======================================lhNnf
===========================d=kf=÷p=d=g=kf=÷g=kf=÷uf=kf= j8f g+ ==========a:g] aif{ ==== sf]÷sL
====================================================ln=÷k|f=ln=÷kmd{ sf] ==============================kbdf sfo{/t
>L÷>LdtL÷;'>L=========================================, gf=k|=g+= ============, ldlt ==================lhNnf
==========================-h;nfO{ o;kl5 o; lnvtdf C0fL egL ;Daf]wg ul/Psf] 5_ nfO{ tkfO{ wgL
a}+sn] xfd|f] l;kmfl/z tyf xfdLn] lbg] ;+:yfut hdfgLsf] cfwf/df sd{rf/L tnaL vftf shf{
?=====================. -cIf]?kL ====================================== dfq_ sf] C0f shf{ o; cl3 ;do ;dodf
k|bfg u/]sf], ub}{ cfPsf] / ;fy} eljiodf k|bfg ug]{ C0f shf{ tyf ;f] gjLs/0f ePdf ;f] ;d]tdf
tkfO{ wgL a}+snfO{ ltg{ a'emfpg kg]{ ;fFjf, Jofh, sldzg, kmL, dflh{g cflb cGo /sd snd ;d]t
lgh C0fLaf6 g} r'Qmf e'Qmfg ug]{ u/L hdfgt al;lbg xfd|f] d~h'/L ePsf]n] tkfO{ wgL a}+snfO{
C0fLn] ltg{ a'emfpg kg]{ pNn]lvt shf{ /sd snd shf{ lng] C0fLn] tkfO{ wgL a}+snfO{ glt/]
ga'emfPdf tkfO{ wgL a}+sn] dfu u/]df xfdL hdfgL lbg]n] ;DalGwt C0fLaf6 c;"n pk/sf] nflu lgh
C0fLn] ;+:yfaf6 eljiodf k|fKt x'g] ;Dk"0f{ /sd ;'ljwfnfO{ /f]Ssf u/L a}+ssf] C0f c;"n pk/ ug{
;d]t d~h'/ u/L of] hdfgLsf] lnvt u/L lbPsf 5f} . tkfO{ wgL a}+sn] dfu u/]sf avt shf{ lng]
C0fLn] glt/], ga'emfPdf jf a'emfpg cfn6fn u/]df tkfO{ wgL a}+sn] lghsf] To; a}+sdf /x]sf] vftfdf
hDdf x'g] tna, eQf nufotsf] s'g} klg /sdaf6 lgoldt ?kdf c;"n pk/ u/]df ;d]t xfd|f] d~h'/L
5 egL of] hdfgLsf] lnvt === === ==== === === ===sf]÷ ================ l:yt =====sfof{no ===========df a;L
n]lv 6fO{k u/fO{ k9L afFrL o:sf] dtna / kl/0ffd /fd|/L ;DemL a'emL d]/f]÷xfd|f] dgf]dfg v'lz/fhLn]
;lx5fk u/L tkfO{ wgL a}+snfO{ lbof}F / o:sf] Ps k|lt bf]xf]/f] a'emL lnof} . ;fIfL lsgf/fsf ;b/ .
hdfgLstf{sf] b:tvt M
hdfgLstf{sf] gfd M
hdfgLstf{sf] kb M
hdfgLstf{sf] sfof{no M
;fIfLx?M hdfgLstf{sf] sfof{nosf] 5fk
!=
@=
Olt ;Djt\ @)===== ;fn ======== dlxgf === ut] /f]h ========= z'ed\ =========.
-gf]6M o;/L ;+:yfut hdfgt lb+bf pQm ;+:yfsf] slDtdf klg clws[t:t/sf] sd{rf/LnfO{ ;fIfL /fVg'
kg]{5 ._397

397
;+rfns ;ldltsf] ldlt @)&^.)*.@# a}7s g+ &*^ af6 yk ePsf] .

370 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 [cg';"rL @*=!*]398
-sfo{ljlwsf] bkmf %) ;Fu ;DalGwt_
dfn;fdfg tyf df}Hbftsf] xfOkf]lys]zg (Hypothecation of Goods and Stocks) sf] lnvt

lnlvtd wgLsf gfd sDkgL P]g, @)%# adf]lhd ;+:yfkg eO{ a}+s tyf ljQLo ;+:yf ;DaGwL P]g,
b:tvt b:tvt
/
C0fL kmd{÷sDkgLsf] 5fk
@)&# adf]lhd a}+lsË sf/f]af/ ;+rfng ul//x]sf] sf7df08f} lhNnf sf7df08f} dxfgu/kflnsf j8f
g+= !!, /fdzfxky sf7df08f} /lhi68{ d'Vo sfof{no /x]sf] s[lif ljsf; a}+s ln= -h;nfO{ o;
pk|fGt æwgL a}+sÆ elgPsf] 5_ nfO{ lwtf] lbO{ ;'/If0fsf] lnvt u/L lbg] C0fLsf] gfd g]kfn
clVtof/jfnfsf]

;/sf/, pBf]u÷jfl0fHo dGqfno, ===============sfof{nodf btf{ g+======================sfod eO{

ldlt=================== df btf{ ePsf] =============== lhNnf ===============
d=g=kf=÷p=d=g=kf=÷g=kf=÷uf=kf= j8f g+====, l:yt /lhi68{ sfof{no /x]sf], cfGtl/s /fhZj
sfof{no ===================== :yfoL n]vf btf{ k|df0f kq g+= ================ldlt==================== df btf{
ePsf] tkm{af6 clVtof/k|fKt ============================== -h;nfO{ o; kl5 æC0fLÆ elgPsf] 5_
/f]xj/
@ =====================================================================================================================.
!= =====================================================================================================================.
;fIfLx?

=============== sf] gflt ===============sf] 5f]/f ===================lhNnf===============

d=g=kf=÷p=d=g=kf=÷g=kf=÷uf=kf= j8f g+==== :yfoL 7]ufgf ePsf] jif{ ========== sf] ====================
-gf=k|=g+================, hf/L ldlt ======================, lhNnf k|zf;g sfof{no, ===============_ cfu] xfd|f]
gfddf tkfO{ wgL a}+saf6 :yL/ k"FhL shf{ cGtu{t (Fixed Term Loan) ?===============-
cIf]?kL===============_, rfn' k"FhL shf{ (Working Capital Loan) cGtu{t ?= .–
-cIf]?kL ===================== dfq_ / u}x| sf]ifdf cfwfl/t -a}+s hdfgt÷k|tLtkq_ ;'ljwf
?==================.– -cIf]?kL ?=============== dfq_ ;d]t u/L s'n hDdf ?====================. -cIf]?kL
?============== dfq_ pkof]u u/]sf] jf lnP÷vfPsf] l7s ;fFrf] ;To xf], km/s xf]O{g 5}g . xfdL
C0fLnfO{ cfˆgf] dfq cfly{s >f]tn] gk'u eO{ yk /sd cfjZos k/L tkfO{ wgL a}+s ;dIf shf{
;'ljwf kfpm‘ egL lgj]bg lbPsf]df tkfO{ wgL a}+s;Fusf] cfk;L ;dembf/Lsf] cfwf/df plNnlvt
shf{ /sd ?= ======================== -cIf]?kL ?=========== dfq_ ;Ddsf] ljleGg C0f shf{ tyf a}lsË
;'ljwf tkfO{ wgL a}+s tyf xfdL C0fLaLr ldlt===================== df ;DkGg shf{ tyf a+}lsË
;'ljwf ;Demf}tfkqdf n]lvPsf] plNnlvt shf{ ;'ljwf /sd ?================================== -cIf]?kL
?========================== ======= dfq_ ;Ddsf] ljleGg C0f shf{ tyf a}+lsË ;'ljwf :jLs[t ePsf] x'Fbf
xfdLn] ;f] ;Ldfleq /xL xfn lnO{ /x]sf] jf kl5 lng] C0f shf{ tyf a}lsË ;'ljwf / ;f]df tkfO{
wgL a}+ssf] lgodfg';f/ nfUg] Jofh, lkm, sldzg, k]gfN6L, b:t'/, C0f c;"nLdf x'g] vr{
nufotsf cGo ;Dk"0f{ /sd ;d]tsf] ;'/If0f afkt xfd|f] gfddf btf{ eO{ ef]u rng u/L cfPsf],
Psnf}6L xs lx:;f k'u]sf], c? s;}sf] xsbfjL gnfUg], c? s;}nfO{ lwtf] aGws, /flhgfdf tyf
cGo s'g} Joxf]/faf6 xs 5f8L n]vL glbPsf], s'g} klg k|sf/sf] bfloTj tyf Jooef/ ;+nUg
gePsf], s'g} d'2f dfldnf gePsf], c? s;}nfO{ c+zefu nufpg gkg]{ tkl;n adf]lhdsf]
dfn;fdfg -Goods_÷df}Hbft -Stocks_ pk/ pNn]lvt dfn;fdfg -Goods_÷df}Hbft -Stocks_
xfd|} :jfldTj tyf sAhfdf /x]tfklg ;f] pk/ tkfO{ wgL a}+ssf] tkl;n adf]lhdsf] zt{
aGb]hx?sf] clwgdf /xg] u/L k"0f{ lwtf]sf] xsflwsf/ sfod x'g] u/L of] dfn;fdfg÷df}Hbftsf]
xfO{kf]lys]zg (Hypothecation) sf] lnvt u/L lbPsf 5f} . pQm dfn;fdfg -Goods_÷df}Hbft -
Stocks_ sf] a'emfpg' kg]{ ;/sf/L /fhZj, s/, lt/f], b:t'/, z'MNs cflb ;Dk"0f{ xfdL cfkm}n] cfˆg}
tkm{af6 ltg]{5f}+ / ;f]sf] k|df0f tkfO{ wgL a}+saf6 vf]hs ] f avt k]z ug]{5f}+ . pNn]lvt dfn;fdfg
(Goods_÷df}Hbft -Stocks_ sf] ;'/If0f jfkt k|fKt ePsf] / x'g] C0f shf{ afkt a}+ssf] lgod
cg';f/ jf a}+saLr ePsf] jf x'g] zt{gfdf cg';f/ x'g cfpg] ;fFjf Jofh, lkm, sldzg, k]gfN6L,

398 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd cg';'rL yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 371

 b:t'/ nufot ;Dk"0f{ /sd xfdLn] a'emfpg' kg]{ ;do leq jf ;f]eGbf cufj} klg a}+sn] s'g} klg
a]nf dfUgf;fy t'?Gt a'emfpg] 5f} . a'emfpg' kg]{ ;doleq jf dfUgf;fy ga'emfO{ cfn6fn u/]df
jf a'emfpg lwª\GofO{ u/]df jf tkfO{ wgL a}+s;Fusf] zt{ eË u/L shf{ b'?kof]u u/]df jf C0f
shf{ lnbfFsf] avt u/]sf] zt{sf] jf o; lnvtsf] kl/kfngf gu/L pNn+3g u/]df xfdL pk/ shf{
;"rgf s]Gb| jf cGo lgsfo ;dIf g]kfn /fi6« a+}saf6 hf/L ePsf] lgb]{zg jf cGo k|rlnt sfg"g
adf]lhd sfnf] ;"rLdf /fvL sf/jfxL ug{ l;kmfl/z u/L jf gu/L pk/f]tm shf{sf] ;'[/If0f afkt
lnvt ul/lbPsf] tkl;ndf pNn]lvt dfn;fdfg -Goods_÷df}Hbft -Stocks_ sAhfdf lnO{ jf
glnO{ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# jf cGo k|rlnt lgod sfg"g adf]lhd tkfO{ wgL
a}+s cfkm}n] lnnfd laqmL u/L jf cGo k|sf/af6 x:tfGt/0f u/L jf cGo jGbf]j:t u/L tkfO{ wgL
a}+ssf] n]gf c;"n pk/ u/L lnPdf ;d]t xfd|f] k"0f{ d~h"/L 5 . sy+sbflrt pk/f]Qm dfn;fdfg -
Goods_÷df}Hbft -Stocks_ s'g} sfg"g jf lgsfoaf6 /f]Ssf /x]sf] sf/0fn] jf cGo s'g} sf/0fjz
sRrf 7x/L jf lnnfd laqmL x'g g;sL jf lnnfd laqmL ePsf]df ;d]t ;f] /sdaf6 tkfO{ wgL
a}+ssf] ;Dk"0f{ n]gf c;"n pk/ x'g g;s]df xfd|f] gfddf /x]sf] jf xfd|f] xs nfUg] cGo h'g;'s}
rncrn ;DklQ sAhf u/L jf lnnfd laqmL u/L jf cGo aGbf]a:t u/L tkfO{ wgL a}+ssf] n]gf
c;"n pk/ u/L lnPdf ;d]t xfd|f] k"0f{ d~h"/L 5 . kl5 lwtf] ;'/If0f :j?k :ki6 ?kdf n]vL
glbPsf] ;DklQ ;dfpg kfpg] xf]Og eGg] ;d]t s'g} lsl;dsf] ph'/ jfh'/ ug]{ 5}gf}+ u/] o;}
lnvtn] ab/ u/L lbg' xf]nf . o;} C0f shf{sf] ;'/If0f jfkt 5'§} rn crn ;DklQ ;'/If0f lbPsf]
ePtfklg pQm ;'/If0faf6 c;"n pk/ gu/L o;} ;['/If0faf6 jf ;f]af6 gk'u ePdf dfly pNn]v
u/] d'tfljs xfd|f] cGo rn crn ;DklQaf6 tkfO{ wgL a}+ssf] ;Dk"0f{ n]gf c;"n pk/ u/]df
;d]t xfd|f] k"0f{ d~h"/L 5 . kl5 ;a}sf] ;'/If0faf6 c;"n pk/ ug'{ kg]{ jf ;a}+sf] ;DklQaf6
;dfg'kflts ?kdf c;"n pk/ ug'{ kg]{ eGg] ;d]t s'g} lsl;dsf] ph'/ jfh'/ ug]{ 5}gf}+ . tkfO{ wgL
a}+snfO{ xfdLn] ltg{ a'emfpg kg]{ shf{sf] ;Dk"0f{ ;fFjf Jofh ;d]tsf] ;Dk"0f{ /sd snd r'Qmf
geP;Dd k|fylds lwtf] ;'/If0f :j?k /fv]sf] tkl;n adf]lhdsf] dfn;fdfg -Goods_÷df}Hbft -
Stocks_ a]rlavg, xs5f8L jf gfd ;+zf]wg u/fpg] jf ;f]df s'g} klg k|sf/sf] bfloTj pTkGg
u/fpg] jf ;f]sf] 7fpF ;f/L ug]{ 5}gf} egL lsgf/fsf] ;fIfLsf] /f]xj/df tkl;ndf pNn]lvt zt{
aGb]hx? ;d]t k"0f{?kn] kfngf ug{ d~h"/ u/L tkfO{ wgL a}+ssf] k|ltlglwsf] ;fd'Gg] tkfO{ wgL
a}+ssf] sfof{nodf a;L xfd|f] /fhLv';Ln] of] dfn;fdfg÷df}Hbftsf] xfO{kf]lys]zg
(Hypothecation) sf] lnvtdf ;xL5fk u/L tkfO{ wgL a}+snfO{ lbof}F . o;df n]lvPsf] Joxf]/f
l7s ;fFrf] 5 em'¶f Joxf]/f n]vL n]vfO{ C0f lnPsf] 7x/] sfg"g adf]lhd ;x'nf a'emfpnf .
tkl;nM
zt{–aGb]hx?

!= lwtf] ;'/If0f :j?k /fv]sf] dfn ;fdfg -Goods_÷df}Hbft -Stocks_ sf] ljj/0fM
d÷xfdL C0fLn] o;} lnvtåf/f cfˆgf] :jfldTj tyf xsef]udf /x]sf] b]xfosf
dfn;fdfg÷df}Hbftx? cfˆg} :jfldTj Pjd\ sAhfdf /xg] u/L a}+ssf] gfddf xfOkf]lys]zg u/L
;'/If0f :j?k n]vL lbPsf] 5 .

-s_ d÷xfdL C0fLsf] ejg jf ;f]sf] kl/;/÷xftfdf xfn e08f/0f ul/Psf] jf /flvPsf] lgDg
ljj/0f cg;'f/sf] dfn ;fdfgx?÷df}Hbft .

qm=;+= dfn;fdfg -Goods_÷df}Hbft -Stocks_ sf] ljj/0f tf}n÷kl/df0f d"No

372 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 -v_ v08 -s_ df pNn]v eP adf]lhd pNn]lvt dfn;fdfg÷df}Hbftx?sf] cltl/Qm ;'/If0f sfod
/x];Dd ;f] cjlwe/ C0fLn] ;do, ;dodf kl5 vl/b jf k|fKt u/L dfly pNn]lvt sf/vfgf,
uf]bfd 3/, k;n sjn, 6x/fleq jf ;f]sf] kl/;/÷xftfdf e08f/0f ug]{÷/fVg] ;Dk"0f{
dfn;dfg÷df}Hbft .

-u_ d÷xfdL C0fLn] ;do ;dodf tkfO{ wgL a}+snfO{ pknAw u/fpg] ljj/0f -Statement_ df pNn]lvt
dfn;dfg÷df}Hbft .

-3_ dfly b]xfosf] v08 -s_ -v_ / -u_ df pNn]lvt dfn;dfg÷df}Hbftsf] ;do ;dodf tf}n,
kl/df0f tyf d"No yk36 jf kl/jt{g ePdf kl/jlt{t tf}n, kl/df0f tyf d"No a/fj/sf]
dfn;fdfg÷df}Hbft .

-ª_ dfly b]xfo v08 -s_ b]lv -u_ ;Dd pNn]lvt xfn C0fLsf] :jfldTj tyf xsef]udf /x]sf /
;'/If0f sfod /x];Dd ;f] cjlwe/ ;do ;dodf d÷xfdL C0fLn] vl/b, k|fKt, e08f/0f ug]{ ;a}
dfn;dfg÷df}Hbft / C0fLsf] sf/vfgf÷uf]bfd3/÷k;n sjn÷6x/fleq jf ;f]sf] kl/;/df /x]sf]
tyf /xg] ;Dk"0f{ dfn;fdfg÷df}Hbft o;} lnvtsf] zt{ g+=@ df pNn]v u/] d'tfljs C0fLn] tkfO{
wgL a}+snfO{ ltg'{ a'emfpg kg]{ cltz]if -Due Balance_ sf] lg/Gt/ ;'/If0f -Continuing Security_
sf] ?kdf tkfO{ wgL a}+ssf] gfddf lwtf] ;'/If0f sfod /xL /xg]5 .

@= wgL a}+snfO{ ltg'{, a'emfpg kg]{ cltz]ifM

tkfO{ wgL a}+snfO{ ltg'{ a'emfpg kg]{ cltz]if eGgfn] C0fLn] wgLaf6 k|fKt u/]sf]÷ug]{ dfly
pNn]lvt tyf shf{ ;'ljwfsf] ;fFjf /sd / ;f]df nfUg] Jofh tyf k]gfn Jofh, sldzg, dflh{g /
;'/If0fsf ;fdfg÷df}Hbft afkt tkfO{ wgL a}+sn] ltg'{ a]xf]g'{ k/]sf] b:t'/ tyf vr{x?, C0f shf{
c;"nLsf ;Gbe{df ePsf] vr{x? tkfO{ wgL a}+såf/f lg/LIf0fsf qmddf ePsf vr{ cflbnfO{
;Demg' kb{5 .

#= a}+sn] ;'/If0fdf /x]sf] dfn;fdfg cfˆgf] sAhfdf lng ;Sg]M

C0fLn] o; lnvtsf] zt{ aGb]h pNn+3g u/]df jf C0f shf{sf] b'?kof]u u/]df jf efvf Dofbleq
C0f shf{sf] ;fFjf, Jofh e'Qmfg gu/]df jf cGo s'g} klg sf/0f tkfO{ wgL a}+snfO{ cfˆgf] lxt
;+/If0f ug{ ;'/If0fdf /x]sf] dfn;fdfg÷df}Hbft cfˆgf] sAhfdf lng pkoQm nfu]df C0fLnfO{ k"j{
;"rgf lbO{ jf glbO{ a}+sn] ;'/If0fdf /x]sf dfn;fdfg÷df}Hbft hg';'s} jvt cfˆgf] sAhfdf lng
;Sg]5 . pk/f]Qm cj:yfdf d÷xfdL C0fLn] tkfO{ wgL a}+snfO{ cfjZos d2t tyf ;'ljwf k|bfg
ug]{5'÷ug]{5f}+ / s'g} jfwf, c8rg v8f ug]{ 5}g .

$= ;'/If0fdf /x]sf] dfn;fdfg a]r lavg tyf xs x:tfGt/0f ug{df aGb]hM

-s_ o;} lnvtsf] zt{ g+= ! sf] b]xfosf] v08 -s_ b]lv -u_ ;Dd ;'/If0fsf] lgldQ ljlgof]lht
lwtf] dfn;fdfg÷df}Hbft / pQm dfn;fdfg÷df}Hbftsf] laqmL, c;"nL / aLdf afkt k|fKt
/sdnfO{ k"0f{tof tkfO{ wgL a}+ssf] ;DklQsf] ?kdf dflgg]5 . d÷xfdL C0fLn] tkfO{ wgL a}+ssf]
gfddf lwtf] ;'/If0f n]vL lbPsf] pQm dfn;fdfg÷df}Hbft jf ;f]sf] s'g} c+z jf efu tyf ;f]df
a}+ssf] xs clwsf/nfO{ s'l07t jf k|lts'n k|efj kfg]{ u/L s'g} klg lsl;dn] aGwsL, yk C0f

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 373

 ef/, lnog\ (Lien) jf cGo s'g} klg k|sf/sf] bfloTj >[hgf ug]{ tyf ;f] adf]lhdsf] ;Demf}tf
s/f/gfdf jf lnvt ug]{ 5}g / cGo s;}sf] ptm ;'/If0fdf xs clwsf/ g/xg] u/L ;'/If0fnfO{
bfloTjaf6 d'Qm /fVg] 5 .

-v_ d÷xfdL C0fLn] ;fdfGo sf/f]jf/, Joj;fosf] l;nl;nfdf afx]s o; lnvt adf]lhd tkfO{
wgL a}+ssf] gfddf lwtf] ;'/If0f n]vL lbPsf dfn;fdfg÷df}Hbft a]rlavg ug]{ jf cGo s'g}
Joxf]/fn] xs 5f]8L lbg] h:tf sfo{ ug]{ 5}g / a}+sn] dfn;fdfg÷df}Hbft a]rlarg ug]{ lgif]w u/L
lnlvt ;"rgf lbPdf jf ;"rgf k|fKt eP kZrft\ s'g} klg k|sf/n] dfn;fdfg÷df}Hbft a]rlavg
ug]{ 5}g .

%= laqmLM
dfly zt{ g+= $ sf] v08 -v_ df n]lvPsf] cj:yfdf afx]s, tkfO{ wgL a}+ssf] k"j{ :jLs[lt glnO{
jf ;f] a]u/ d÷xfdL C0fLn] lwtf] ;'/If0fdf n]vL lbPsf] dfn;fdfg÷df}Hbft jf ;f]sf] s'g} c+z
a]r ljvg ug{ jf ;f]sf] ef]u, sAhf tyf lgoGq0f cGonfO{ x:tfGt/0f ug]{ 5}g .

^= cfjlws ljj/0fM
d÷xfdL C0fLn] tkfO{ wgL a}+ssf gfddf o; lnvt adf]lhd ;'/If0fdf n]vL lbPsf]
dfn;fdfg÷df}Hbftsf] tf}n, kl/df0f tyf d"No ;lxtsf] ljj/0f dfl;s÷q}dfl;s÷cw{ jflif{s
?kdf lgoldt ?kn] tkfO{ wgL a}+snfO{ a'emfpg]5f}+ . ;fy} tkfO{ wgL a}+sn] pk/f]Qm cg';f/sf]
ljj/0f dfu u/]df dfu u/]sf] ;doleq pknAw u/fpg] 5'÷5f}+ .

&= lg/LIf0fM
-s_ d÷xfdL C0fLn] tkfO{ wgL a}+ssf clws[t tyf sd{rf/L / clestf{ -Ph]G6_ nfO{ h'g ;'s}
;dodf ljgf k"j{ ;"rgf lwtf] ;'/If0fdf /x]sf dfn;fdfgx?÷df}Hbft jf ltgsf] s'g} c+z /x]sf]
sf/vfgf÷uf]bfd 3/÷k;n sjn÷6x/f leq tyf ;f]sf] kl/;/df k|j]z ug{ / dfn
;fdfg÷df}Hbftsf] lg/LIf0f u/L ;f]sf] nut lng, d"Nof+sg ug{ cg'dlt lbg]5f}+ . tkfO{ wgL a}+sn]
lnlvt jf df}lvs ;"rgfåf/f a}+snfO{ ltg'{ kg]{ cltz]if ltg{ elgPsf]df d÷xfdL C0fLn] ltg{
g;s]sf] cj:yfdf jf tkfO{ wgL a}+snfO{ k|fKt ;"rgf jf k|ltj]bgsf] cfwf/df jf lg/LIf0fsf]
qmddf d÷xfdL C0fLn] o; lnvt adf]lhd kfngf ug'{ kg]{ s'g} zt{ aGb]h kfngf gu/]sf] jf zt{
aGb]h pNn+3g jf e+u u/]sf] kfOPdf jf d÷xfdL C0fLn] cGo ;fx"x?nfO{ ltg{ a'emfpg kg]{ /sd
ltg]{ sfo{ :ylut u/]sf] jf ug{ nfu]sf] 5 eGg] s'/fdf tkfO{ wgL a}+s ljZj:t ePdf tkfO{ wgL
a}+sn] lwtf] ;'/If0fdf /x]sf] dfn;fdfg÷df}Hbft cfˆgf] sAhfdf tTsfn} lng ;Sg]5 / o:tf]
cj:yfdf tkfO{ wgL a}+ssf clws[t, sd{rf/L Ph]G6nfO{ cfjZos ;Dk"0f{ d2t tyf ;'ljwf C0fL
tyf lghsf sd{rf/Ln] k|bfg ug]{5f}+ .

-v_ dflysf k|s/0fx?df pNn]lvt zt{x? d'tfljs a}+sn] lwtf] ;'/If0fdf /x]sf] dfn;fdfg÷df}Hbft
cfˆgf] sAhfdf lng] k|of]hgsf] nflu a}+saf6 v6L cfpg] clws[t, sd{rf/L tyf clestf{n] lwtf]
;'/If0f cGtu{t /x]sf dfn;fdfg÷df}Hbft jf ;f]sf] s'g} c+z /flvPsf] jf e08f/0f ul/Psf]
sf/vfgf÷uf]bfd3/÷k;n sjn÷6x/fsf] leqL jf aflx/L 9f]sfdf nufOPsf] tfNrf kmf]g{ kfpg]
5g\ / o;/L tfNrf kmf]/] kl5 jf tfNrf gkmf]/L sg} klg To:tf] sf/vfgf÷uf]bfd3/÷k;n
sjn÷6x/fdf cfˆgf] tfNrf nufpg kfpg] 5g\ / ;fy} To:tf] sf/vfgf÷uf]bfd3/÷k;n
sjn÷6x/fleq jf ;f]sf] kl/;/df /x]sf dfn;fdfg÷df}Hbft cGoq gn}hfg' egL C0fLnfO{ lgb]{zg
lbg ;Sg] 5g\ / To:tf] lgb]{zgsf] kfngf C0fL tyf lghsf sfdbf/, sd{rf/Ln] ug'{ kg]{5 . dfly
pNn]v u/] cg';f/ tkfO{ wgL a}+sn] tfNrf kmf]/L vf]n]sf cj:yfdf tTsfn 36gf:yndf pkl:yt
a}+ssf clws[t, sd{rf/L tyf Ph]G6nfO{ dfn;fdfg÷df}Hbftsf] nut tof/ u/L ;xL u/L lnvt
u/L lbPsf] sfuh ;xL, jf:tljssf ;fy} clGtd / lg0ff{os k|df0fsf ?kdf dflgg] 5 / o:tf]
sfuh n]lvP adf]lhdsf] dfn;fdfg÷df}Hbft afx]s a9L ;fdfg÷df}Hbft jf km/s ;fdfg jf c?
dfn;fdfg To:tf] sf/vfgf÷uf]bfd3/÷k;n sjn÷6x/f leq jf ;f]sf] kl/;/df lyof] egL s;}n]
eGg kfpg] 5}g .

374 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 *= C0fLn] jxfn, ls/fof tyf s/ km5of{}6 ug'{kg]{M
lwtf] ;'/If0f :j?k n]vL lbPsf] dfn ;fdfg÷df}Hbft jf ;f]sf] c+z /x]sf] e08f/0f ul/Psf]
sf/vfgf÷uf]bfd3/÷k;n sjn÷6x/f cflbsf] jxfn, ls/fof tbf?stfsf ;fy tyf lgoldt
?Kfdf C0fLn] ltg{ a'emfpg d~h"/ 5f}+ / ;fy} ltg{' kg]{ s/ cflb ;/sf/L tyf cw{ ;/sf/L
bfloTjx? oyf ;dodf d÷xfdL C0fLn] ltg'{ a'emfpg' kg]{5 / tkfO{ wgL a}+sn] dfu u/]df ;f]sf]
;j'b k|df0f tTsfn} a}+snfO{ k]z ug]{5f}+ / lwtf] ;'/If0fdf n]vL lbPsf] dfn;fdfg÷df}Hbftdf tkfO{
wgL a}+s afx]s cGo s;}sf] xs bfjL gnfUg] u/L pQm dfn;fdfg÷df}HbftnfO{ bfloTj jf ef/d'Qm
/fVg' kg]{5 . sy+sbflrt d÷xfdL C0fLn] ltg{ a'emfpg kg]{ d"No clea[lå s/, s/ cGt z'MNs
cflb /fh:j / sf/vfgf÷uf]bfd 3/÷k;n sjn÷6x/f cflbsf] jxfn, ls/fof /sd snd glt/L
ga'emfO{ afFsL /fv]sf] cj:yfdf tkfO{ wgL a}+sn] o; lnvt adf]lhd lwtf] ;'/If0fdf /x]sf
dfn;fdfg÷df}Hbft o;} lnvtdf pNn]lvt k|fjwfg adf]lhd sAhfdf lng] ePdf pNn]v u/]
cg';f/sf] /fhZj tyf jxfn ls/fofsf] /sd Cf0fLsf] xsdf tkfO{ wgL a}+sn] lt/L a'emfO{ lwtf]
;'/If0f dfn;fdfg÷df}Hbft cfˆgf] sAhfdf lng ;Sg]5 / pk/f]Qm cg';f/sf] afFsL jSof}tf
a'emfpg] ;Gbe{df lnvt, ekfO{ / OTofbL sfuh tyf b:tvt÷;xL 5fk u/L u/fO{ lng'÷lbg' kg]{
ePdf jf cGo sf/jfxL, k|s[of k"/f ug'{ kg]{ ePdf pk/f]Qm ;Dk"0f{ sfd sf/jfxL ug{ o;}
lnvtåf/f C0fLn] tkfO{ wgL a}+snfO{ clVtof/L lbPsf] dflgg] 5 . tkfO{ wgL a}+saf6 pk/f]Qm sfd
sf/jfxL ePsf] cj:yfdf d÷xfdL C0fLåf/f ;f]sf] k|ltjfb ul/g] 5}g . ;fy} a}+sn] C0fLsf xsdf
Joxf]g'{ k/]sf] pNn]v u/] cg';f/sf] /fh:j, jxfn, OToflb /sd snd / o; k|s/0f cg';f/sf]
sfo{ljlw ckgfpFbf nfu]sf] vr{ C0fL;Fu ;f]wegf{sf ?kdf bfjL u/L lng ;Sg]5 .

(= aLdfM
tkfO{ wgL a}+sn] tf]sL lbPsf] aLdf sDkgL;Fu d÷xfdL C0fLn] lwtf]sf ;fdfg÷df}Hbftsf] tkfO{
wgL a}+sn] tf]s] adf]lhdsf hf]lvd lj?å To:tf] ;fdfgsf] clwstd ahf/ d"No a/fa/ tkfO{ wgL
a}+s lxtflwsf/L x'g] u/L a}+s;{ Snh ;lxtsf] aLdf u/fO{ ;f]sf] aLdfn]v tkfO{ wgL a}+snfO{
a'emfpg' kg]{5 .

!)= ;LdfGt -Margin_M

lwtf] ;'/If0f ;fdfg÷df}Hbftsf] ahf/ efp d"No / ;f] ;fdfgsf] nfut tyf ;f]af6 k|fKt
cfDbfgLsf] lj:t[t ljj/0f -Detail Statement_ / ;f] ;DaGwdf tkfO{ wgL a}+såf/f bflvnf ug{
elgPsf k|df0fx? d÷xfdL C0fLn] ;do ;dodf tkfO{ wgL a}+sn] dfu u/]sf avt pknAw
u/fpg d~h"/ 5f}+ . tkfO{ wgL a}+snfO{ ltg{ afFsL cltz]if eGbf tTsfn lwtf] ;'/If0fdf /x]sf
dfn;fdfg÷df}Hbftsf] ahf/ efp d"No tkfO{ wgL a}+sn] tf]s]sf] lglZrt k|ltzt eGbf a9L x'g]
u/L l;dfGt ;'/If0f cjlwe/ a}+ssf] kIfdf sfod /x]sf] dflgg]5 . tkfO{ wgL a}+snfO{ ltg{
a'emfpg afFsL /sd / ;f]df pNn]lvt l;dfGt k|ltztsf cfwf/df lx;fj ubf{ x'g cfpg] /sd b'j}
hf]8L hDdf x'g cfpg] s"n /sdeGbf tTsfn lwtf] ;'/If0fdf /x]sf ;fdfgx?÷df}Hbftsf] tTsflng
ahf/ efp, d"No sd ePdf d÷xfdL C0fLn] tTsfn} tkfO{ wgL a}+sn] lnlvt ?kdf :jLs[t u/]sf
dfn;fdfg÷df}Hbft lwtf] ;'/If0fdf yk]/ jf gub e'Qmfg u/L pNn]v u/] cg';f/sf] l;dfGt tkfO{
wgL a}+ssf] kIfdf sfod /fvL /fVg d~h"/ 5'÷5f}+ . lwtf] ;'/If0fdf /x]sf dfn;fdfg÷df}Hbftsf]
tTsflng ahf/ efpsf] ;Gbe{df tkfO{ wgL a}+ssf clws[t jf sd{rf/Ln] cfjZos hfFra'em u/L
k|dfl0ft u/L lbPsf] ahf/ efpnfO{ g} pk/f]Qm ;fdfg÷df}Hbftsf] jf:tljs ahf/ efp dflgg]5 .

!!= Jofhb/M
d÷xfdL C0fLn] ltg'{ kg]{ Jofhb/ tyf Jofh ltg]{ ;do÷tl/sf tkfO{ wgL a}+s / d÷xfdL C0fLsf]
aLr ldlt=========== df ;DkGg ;Demf}tf kqdf n]lvPsf] b/n] / a}+ssf] gLlt, lgod adf]lhd x'g]5 .

!@= e'QmfgLM

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 375

 d÷xfdL C0fLn] ltg'{ kg]{ Jofhb/ tyf Jofh ltg]{ ;do÷tl/sf tkfO{ wgL a}+s / C0fLsf] aLr
ldlt ============== df ;DkGg ;Demf}tfkqdf n]lvPsf cg';f/ jf a}+sn] dfu ugf{;fy ltg{ d~h"/
5'÷5f}+ .

!#= dfn;fdfg÷df}Hbftsf] laqmLM

tkfO{ wgL a}+sn] dfu u/]sf] cj:yfdf ltg{ afFsL cltz]if /sd jf n]lvP adf]lhdsf] Jofh
d÷xfdL C0fLn] ltg{ g;s]sf] cj:yfdf jf C0fLn] cfˆgf] bfloTj kfngf gug]{ jf ug{ g;Sg]
s'/fdf tkfO{ wgL a}+s ljZj:t ePdf s'g} lnlvt ;"rgf glbOsg d÷xfdL C0fLsf] hf]lvd tyf
vr{df lwtf]sf ;fdfg÷df}Hbft /x]sf] s'g} klg :yfgdf tkfO{ wgL a}+sn] k|j]z u/L rng ug{, lng'
kg]{ /sd c;"n ug{ jf p7fpg ;Sg]5 . ;fy} tkfO{ wgL a}+sn] To:tf] lwtf]sf ;fdfg÷df}Hbft
;fj{hlgs ?kdf laqmL u/L jf s;};Fu 7]Ssf aGbf]a:t u/L jf cGo s'g} tl/sfn] aGbf]a:t ug{ /
tkfO{ wgL a}+sn] C0fL dfly d'2f ug{ kfpg] cfˆgf] xs clwsf/df k|lts'n k|efj gkg]{ u/L
n]lvPsf sfdx? ug{sf nflu s'g} s'/f nfu" ug{ lwtf] l5gf]kmfgf] ug{ ldnfkq ug{ jf c? s'g}
aGbf]a:t ug{ a}+ssf] s'g} clws[t jf clws[tx?nfO{ lwtf]sf] ;fdfgsf] cfbftf -Receiver_ sf]
?kdf tkfO{ wgL a}+sn] tf]Sg ;Sg]5 . o;/L k|fKt ePsf] cfDbfgL a}+snfO{ ltg'{ kg]{ cltz]if
/sdsf] kl/zf]wg -lnlSj8];g_ df a}+sn] nufpg] 5 . o;/L laqmL jf c;"n ul/Psf] s'/fdf / ;f]
ubf{ ltg'{ k/]sf] vr{ b:t'/ cflb vr{sf] / To:tf] laqmLsf] l;nl;nfdf tkfO{ wgL a}+sn] u/]sf]
;fdfGo jf ljz]if ;]jf tkfO{ wgL a}+ssf] pko'Qmtf / z'4tfsf] nflu a}+ssf] s'g} clws[tn]
ul/lbPsf] k|df0fkq lg0ff{os k|df0f dflgg]5 / ;f] k|df0fkq adf]lhd vftfdf b]lvPsf] ck"0f{tf jf
sdL ePsf] /sd d÷xfdL C0fLn] tkfO{ wgL a}+snfO{ t'?Gt e'Qmfg ug]{5'÷ug]{5f}+ .

!$= sdLM
olb o; cl3 n]lvP adf]lhd laqmLaf6 cfPsf] /sdn] tkfO{ wgL a}+snfO{ ltg'{kg]{ cltz]if
/sdnfO{ gvfDg] ePdf, tkfO{ wgL a}+sn] cfkm";Fu ePsf] d÷xfdL C0fLsf] s'g} klg /sdaf6
cfkm"n] lng'kg]{ cltz]if /sd lng ;Sg]5 / olb d÷xfdL C0fLsf] To:tf] s'g} klg /sd tkfO{ wgL
a}+s;Fu gePdf jf cltz]if k'/f ug{ To:tf] cfkm";Fu d÷xfdL C0fLsf] /sd gk'u ePdf C0fLsf]
gfddf /x]sf] jf C0fLsf] xs nfUg] h'g;'s} rncrn ;DklQaf6 c;"n pk/ u/L lng ;Sg]5 .

!%= artM
o; cl3 n]lvP adf]lhd laqmLaf6 k|fKt ePsf] cfDbfgLaf6 tkfO{ wgL a}+snfO{ ltg'{kg]{ clt z]if
/sdsf] k"/f e'QmfgL eO{ cem} To:tf] cfDbfgLsf] /sd art /xg uPdf To:tf] art /sd tkfO{
wgL a}+s cfkm}n] /fvL a}+sdf /x]sf] d÷xfdL C0fLsf] c? h'g;'s} lx;fasf] /sddf ldnfg ug{
;Sg]5 / To:tf] art /sd, xfnsf] jf eljiosf] ;zt{ jf k|f;+lËt lng'kg]{ cj:yfsf] ePklg jf
eO{ g;s] klg d÷xfdL C0fL jf C0fLx? dWo] s'g} Psaf6 PSn} jf c? JolQm, kmd{ jf sDkgL;Fu
;+o'Qm eP/ lnPsf] C0f, l8:sfp06 aLn, n]6/ ckm qm]l86 -k|tLtkq_, Uof/]G6L, ef/ -rfh]{h_ jf
ljN;, gf]6\; qm]l86 / c? bfloTj nufot c? s'g} kfpg] kfl/>lds jf c? b:t'/ afkt ldnfg
u/L c;"n ug{ kfpg] 5 . o:tf] l/l;e/, Ph]G6, Dofg]h/ jf cGo JolQmn] -cfˆgf] ;fdfGo st{Jo
kfngf ubf{sf] cj:yfdf xf];\ jf cGo cj:yfdf xf];\_ u/]sf] s'g} sfo{ q'l6, x]NrqmofO{ jf uNtL
;d]tsf] kmn:j?k ePsf] ;a} gf]S;fgL, Iflt, dfu, d'2f, sf/jfxL, vr{, rfh{ / ePsf] ;a} vr{k|lt
tkfO{ wgL a}+s hjfkmb]xL x'g] 5}g . pQm bfloTj afkt d÷xfdL C0fLaf6 a}+sn] Ifltk"lt{ e/fpg
;Sg]5 .

!^= arfpM
d÷xfdL C0fLsf] c? s'g} lsl;daf6 ul/Psf] jf ul/g] nufgLsf ;DaGwdf of] ;Demf}tfdf n]lvPsf
s'g} klg s'/fn] tkfO{ wgL a}+ssf] C0fLk|lt /x]sf] clwsf/ jf pkrf/sf] ;DaGwdf s'g} k|lts"n
k|efj kg]{ 5}g .

!&= C0fLsf] :jfldTj ;+/rgf x]/km]/ ePdfM

376 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 olb d÷xfdL C0fL s'g} sDkgL jf kmd{ /x]5 eg] of] ;Demf}tf axfn /x];Dd To:tf] sDkgL jf
kmd{sf] ;+/rgfdf ePsf] s'g} klg kl/jt{gn] C0fLx? jf ltgLx? dWo] s'g} Ps jf a9L JolQmn] k"/f
ug'{kg]{ bfloTjnfO{ s'g} afwf k'¥ofPsf] dflgg] 5}g .

!*= ;"rgfM
tkfO{ wgL a}+saf6 d÷xfdL C0fLx?nfO{ lbOg] ;"rgf d÷xfdL C0fLn] pknJw u/fPsf] 7]ufgfdf jf
;do ;dodf tkfO{ wgL a}+ssf] clen]vdf b]lvPsf] 7]ufgf dWo] s'g} 7]ufgfdf xft}n] jf x'nfsåf/f
jf /fli6«o b}lgs klqsfdf ;"rgf k|sflzt u/L jf kmf]g, ˆofS;, Od]n cflb dWo] tkfO{ wgLnfO{
pko{'Qm x'g] dfWodaf6 lbg ;lsg] 5 .

C0fLsf] tk{maf6 clVtof/k|fKt JolQmsf] ;xL ==================

gfd ================= -gful/stf g+= ==================_ kmd{÷sDkgLsf] 5fk

O{lt ;Djt\ ============= ;fn =================dlxgf ==========ut] ======/f]h===========z'ed\===========.

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 377

 [cg';"rL @*=!(] 399
-sfo{ljlwsf] bkmf %) ;Fu ;DalGwt_
KnfG6÷d]lzg/Lsf] xfOkf]lys]zg (Hypothecation of Plant/Machinery)_lnvt

lnlvtd wgLsf gfd sDkgL P]g, @)%# adf]lhd ;+:yfkg eO{ a}+s tyf ljQLo ;+:yf ;DaGwL P]g,
C0fL sDkgL jf clVtf/jfnfsf]

@)&# adf]lhd a}+lsË sf/f]af/ ;+rfng ul//x]sf] sf7df08f} lhNnf sf7df08f} dxfgu/kflnsf j8f
g+= !!, /fdzfxky sf7df08f} /lhi68{ d'Vo sfof{no /x]sf] s[lif ljsf; a}+s ln= -h;nfO{ o;
b:tvt

pk|fGt æwgL a}+sÆ elgPsf] 5_ nfO{ lwtf] lbO{ ;'/If0fsf] lnvt u/L lbg] C0fLsf] gfd g]kfn ;/sf/,
pBf]u÷jfl0fHo dGqfno, ===============sfof{nodf btf{ g+======================sfod eO{
ldlt=================== df btf{ ePsf] =============== lhNnf =============== d=g=kf=÷p=d=g=kf=÷g=kf=÷uf=kf=
j8f g+====, l:yt /lhi68{ sfof{no /x]sf], cfGtl/s /fhZj sfof{no ===================== :yfoL n]vf
btf{ k|df0f kq g+= ================ldlt==================== df btf{ ePsf] ======================= -h;nfO{
a{}s sd{rf/Lsf] gfd ============ kb ============
/f]xj/
=
@=== lhNnf ======== uf==kf÷=g=kf ÷p=d=g=kf÷d=g=kf === a:g] aif{ ====== sf]= ============
!=== lhNnf ======== uf==kf÷=g=kf ÷p=d=g=kf÷d=g=kf === a:g] aif{ ====== sf] = ==========
;fIfLx?

o;kl5 æC0fLÆ elgPsf] 5_ sf] tkm{af6 clVtof/k|fKt=============== sf] gflt ===============sf] 5f]/f
=============== lhNnf=============== d=g=kf=÷p=d=g=kf=÷g=kf=÷uf=kf= j8f g+==== :yfoL 7]ufgf ePsf]
jif{ === sf >L ==================== -gf=k|=g+================, hf/L ldlt ======================, lhNnf k|zf;g
sfof{no, ===============_ cfu] xfd|f] gfddf tkfO{ wgL a}+saf6 :yL/ k"FhL shf{ cGtu{t (Fixed
Term Loan) ?===============-cIf]?kL===============_, rfn' k"FhL shf{ (Working Capital Loan)
cGtu{t ?= .– -cIf]?kL ===================== dfq_ / u}x| sf]ifdf cfwfl/t -a}+s
hdfgt÷k|tLtkq_ ;'ljwf ?==================.– -cIf]?kL ?=============== dfq_ ;d]t u/L s'n hDdf
?====================. -cIf]?kL ?============== dfq_ pkof]u u/]sf] jf lnP÷vfPsf] l7s ;fFrf] ;To xf],
km/s xf]O{g 5}g . xfdL C0fLnfO{ cfˆgf] dfq cfly{s >f]tn] gk'u eO{ yk /sd cfjZos k/L
tkfO{ wgL a}+s ;dIf shf{ ;'ljwf kfpm‘ egL lgj]bg lbPsf]df tkfO{ wgL a}+s;Fusf] cfk;L
;dembf/Lsf] cfwf/df plNnlvt shf{ /sd ?= ======================== -cIf]?kL ?=========== dfq_
;Ddsf] ljleGg C0f shf{ tyf a}lsË ;'ljwf tkfO{ wgL a}+s tyf xfdL C0fLaLr
ldlt===================== df ;DkGg shf{ tyf a+}lsË ;'ljwf ;Demf}tfkqdf n]lvPsf] plNnlvt shf{
;'ljwf /sd ?================================== -cIf]?kL ?========================== ======= dfq_ ;Ddsf] sf]if
tyf u}/ sf]ifdf cfwfl/t shf{ tyf cGo ljleGg a}+ls‹ ;'ljwfx? tyf eljiodf yk x'g] cGo s'g}
a}+lsË sf/f]jf/ ug{sf nflu crn lwtf] ;'/If0f tkfO{ wgL a}+ssf] gfddf lwtf] aGws lnvt n]lv
lbg]5' . xfdL C0fLnfO{ cfˆgf] dfq cfly{s >f]tn] gk'u eO{ yk /sd cfjZos k/L tkfO{ wgL
a}+sx? ;dIf shf{ ;'ljwf kfp‘ egL lgj]bg lbPsf]df tkfO{ wgL a}+ssf] cfk;L ;dembf/Lsf]
cfwf/df dfly pNn]lvt shf{ ;'ljwf /sd ?======= ============= -cIf]?kL ?====== =========================
dfq_ ;Ddsf] sf]if tyf u}/ sf]ifdf cfwfl/t shf{ tyf cGo ljleGg a}+ls‹ ;'lawfx? tyf tkfO{
wgL a}+s;Fu ldlt ====================== df ;DkGg shf{ tyf ;'ljwf ;Demf}tf cg';f/ :jLs[t ePsf]
x'Fbf xfdLn] ;f] ;Ldfleq /xL xfn lnO{ /x]sf] jf kl5 eljiodf lng] shf{ tyf ;'ljwf / ;f]df
tkfO{ wgL a}+ssf] lgodfg';f/ nfUg] Jofh, lkm, sldzg, k]gfN6L, b:t'/, C0f c;"nLdf x'g] vr{
nufotsf cGo ;Dk"0f{ /sd ;d]tsf] ;'/If0f afkt xfd|f] gfddf btf{ eO{ ef]urng u/L cfPsf],
Psnf}6L xs lx:;f k'u]sf], c? s;}sf] xsbfjL gnfUg], c? s;}nfO{ lwtf]aGws, /fhLgfdf tyf
cGo s'g} Joxf]/faf6 xs 5f8L n]vL glbPsf], s'g} klg k|sf/sf] bfloTj tyf Jooef/ ;+nUg
gePsf], s'g} d'2f dfldnf gePsf], c? s;}nfO{ c+z efu nufpg gkg]{ KnfG6÷d]zLg/L -Plant &
Machinery_, eljiodf >[hgf÷yk x'g] Knf06 P08 d]l;gl/h, On]lS6«sn tyf O{n]lS6«f]lgS;

399 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd cg';'rL yk

378 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 ;fdfgx? nufot kl/of]hgf :yndf /x]sf Entire Assets including Civil Construction Work,
Office Equipment pk/ pNn]lvt KnfG6÷d]zLg/L -Plant & Machinery_ xfd|} :jfldTj tyf
sAhfdf /x]tfklg ;f] pk/ tkfO{ wgL a}+ssf] xsflwsf/ sfod x'g] u/L of] KnfG6÷d]lzg/Lsf]
xfO{kf]lys]zg (Hypothecation) sf] lnvt u/L lbPsf 5f} . pQm KnfG6÷d]zLg/L -Plant &
Machinery_ sf] a'emfpg' kg]{ ;/sf/L /fhZj, s/, lt/f], b:t'/, sfg'gL z'MNs cflb ;Dk"0f{ xfdL
cfkm}n] cfˆg} tkm{af6 ltg]{5f}+ / ;f]sf] k|df0f tkfO{ wgL a}+saf6 vf]h]sf avt k]z ug]{5f}+ .
pNn]lvt KnfG6÷d]zLg/L -Plant & Machinery_ sf] ;'/If0f afkt k|fKt ePsf] / x'g] shf{ tyf
;'ljwf afkt tkfO{ wgL a}+ssf] lgodfg';f/ jf xfdL tyf tkfO{ wgL a}+saLr ePsf] jf x'g]
zt{gfdf cg';f/ x'g cfpg] ;fFjf Jofh, lkm, sldzg, k]gfN6L, b:t'/ nufot ;Dk"0f{ /sd xfdLn]
a'emfpg' kg]{ ;doleq jf ;f] eGbf cufj} klg tkfO{ wgL a}+sn] s'g} klg a]nf dfUgf;fy t'?Gt
a'emfpg] 5f} . a'emfpg' kg]{ ;doleq jf dfUgf;fy ga'emfO{ cfn6fn u/]df jf a'emfpg lwª\GofO{
u/]df jf tkfO{ wgL a}+s;Fusf] zt{ eË u/L shf{ b'?kof]u u/]df jf C0f shf{ lnbfFsf] avt
u/]sf] zt{sf] kl/kfngf gu/L pNn+3g u/]df xfdL pk/ shf{ ;"rgf s]Gb| jf cGo lgsfo ;dIf
g]kfn /fi6« a}saf6 hf/L ePsf] lgb]{zg jf cGo k|rlnt sfg"g adf]lhd sfnf] ;"rLdf /fvL
sf/jfxL ug{ l;kmfl/z u/L jf gu/L pk/f]Qm shf{sf] ;'[/If0f afkt lnvt ul/lbPsf] l;lh{t
KnfG6÷d]zLg/L -Plant & Machinery_ sAhfdf lnO{ jf glnO{ a}s tyf ljQLo ;+:yf ;DaGwL P]g,
@)&# jf cGo k|rlnt lgod sfg"g adf]lhd tkfO{ wgL a}+s cfkm}n] lnnfd laqmL u/L jf cGo
k|sf/af6 x:tfGt/0f u/L jf cGo jGbf]j:t u/L tkfO{ wgL a}+ssf] n]gf c;"n pk/ u/L lnPdf
;d]t xfd|f] k"0f{ d~h"/L 5 . sy+sbflyt pk/f]Qm KnfG6÷d]zLg/L -Plant & Machinery_ s'g}
sfg"gåf/f jf lgsfoaf6 /f]Ssf /x]sf] sf/0fn] jf cGo s'g} sf/0fjz sRrf 7x/L jf lnnfd laqmL
x'g g;sL jf lnnfd laqmL ePsf]df ;d]t ;f] /sdaf6 tkfO{ wgL a}+ssf] ;Dk"0f{ n]gf c;"n pk/
x'g g;s]df xfd|f] gfddf /x]sf] jf xfd|f] xs nfUg] cGo h'g;'s} rncrn ;DklQ sAhf u/L,
/f]Ssf /fvL jf lnnfd laqmL u/L jf cGo aGbf]a:t u/L tkfO{ wgL a}+ssf] n]gf c;"n pk/ u/L
lnPdf ;d]t xfd|f] k"0f{ d~h"/L 5 . kl5 lwtf] ;'/If0f:j?k :ki6 ?kdf n]vL glbPsf] ;DklQ
;dfpg kfpg] xf]Og eGg] ;d]t s'g} lsl;dsf] ph'/ jfh'/ ug]{ 5}gf}+, u/] o;} lnvtn] ab/ u/L
lbg' xf]nf . o;} C0f shf{sf] ;'/If0f afkt c?n] ;'/If0f lbPsf] ePtfklg c?sf] ;'/If0faf6 c;"n
pk/ gu/L o;} ;['/If0faf6 jf ;f]af6 gk'u ePdf dfly pNn]v u/] d'tfljs xfd|f] cGo rn crn
;DklQaf6 tkfO{ wgL a}+ssf] ;Dk"0f{ n]gf c;"n pk/ u/]df ;d]t xfd|f] k"0f{ d~h"/L 5 . kl5
;a}sf] ;'/If0faf6 c;"n pk/ ug'{kg]{ jf ;a}sf] ;DklQaf6 ;dfg'kflts ?kdf c;"n pk/ ug'{ kg]{
eGg] ;d]t s'g} lsl;dsf] ph'/ jfh'/ ug]{ 5}gf}+ . tkfO{ wgL a}+snfO{ xfdLn] ltg{ a'emfpg kg]{
shf{sf] ;Dk"0f{ ;fFjf Jofh ;d]tsf] ;Dk"0f{ /sd snd r'Qmf geP;Dd lwtf] ;'/If0f :j?k /fv]sf]
C0fLsf] gfddf /x]sf] KnfG6÷d]zLg/L -Plant & Machinery_ a]r lavg, xs 5f8L jf gfd ;+zf]wg
u/fpg] jf ;f]df s'g} klg k|sf/sf] bfloTj pTkGg u/fpg] jf ;f]sf] 7fpF ;f/L ug]{ 5}g . pQm
d]l;g/Lx? dd{t ug{sf nflu pQm :yfgaf6 cGo :yfgdf n}hfg k/]df ;d]t wgL a}+ssf] k"j{
:jLs[lt glnO{ slx st} n}hfg] 5}gf}+ ;fy} wgL a}+snfO{ n]vL lbPsf] ;DklQsf] lwtf] k|rlnt
;'/lIft sf/f]jf/ P]g cGtu{t tf]lsPsf] lgsfodf wgL a}+ssf] gfddf k|ydflwsf/ (Creation of
Security Interest in the name of the Bank) x'g] u/L C0fLsf] cfˆg} vr{df lwtf]sf] xsbtf{ u/L
lbg C0fL d~h"/ ub{5 egL o; lnvtdf n]lvPsf] Joxf]/f k9L afFrL ;f]sf] dtnj / kl/0ffd
;d]t ;DemL a'emL tkfO{ wgL a}+ssf] sfof{nodf lgDg ;fIfLsf] /f]xj/df tkfO{ wgL a}+ssf]
k|ltlglwsf] ;fd'Gg] a}+ss} sfof{nodf a;L xfd|f] /fhLv';Ln] of] KnfG6÷d]zLg/L xfO{kf]lys]zg
(Hypothecation) sf] lnvtdf ;xL 5fk u/L tkfO{ wgL a}+snfO{ lbof}F . o;df n]lvPsf] Joxf]/f
l7s ;fFrf] 5 em'¶f Joxf]/f n]vL n]vfO{ C0f lnPsf] 7x/] sfg"g adf]lhd ;x'n
F f a'emfpFnf .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 379

 kmd{÷sDkgLsf] 5fk
C0fLsf] tkm{af6 clVtof/ k|fKt k|ltlglwsf] b:tvt===
gfd========================== - gful/stf g+= =================_

O{lt ;Djt\ ============== ;fn ==============dlxgf ========ut] /f]h=========z'ed\ ========.

380 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 [cg';"rL @*=@)]400
-sfo{ljlwsf] bkmf %) ;Fu ;DalGwt_

cfo k|flKt clwsf/ x:tfGt/0f–kq (Assignment of Receivables)

lnlvtd wgLsf gfd sDkgL P]g, @)%# adf]lhd ;+:yfkg eO{ a}+s tyf ljQLo ;+:yf ;DaGwL
P]g, @)&# adf]lhd a}+lsË sf/f]af/ ;+rfng ul//x]sf] ============== lhNnf ==================
C0fLsf] jf clVtof/ k|fKt
sfrf.Lsf] b:tvt

sf7df08f} d=g=kf= j8f g+= !!, /fdzfxky sf7df08f} /lhi68{ d'Vo sfof{no /x]sf] s[lif ljsf;
a}+s ln= -h;nfO{ o; pk|fGt æwgL a}+sÆ elgPsf] 5_ nfO{ lwtf] lbO{ ;'/If0fsf] lnvt u/L lbg]
C0fLsf] gfd g]kfn ;/sf/, pBf]u÷jfl0fHo dGqfno, ===============sfof{nodf btf{
g+======================sfod eO{ ldlt=================== df btf{ ePsf] =============== lhNnf ===============
d=g=kf=÷p=d=g=kf=÷g=kf=÷uf=kf= j8f g+====, l:yt /lhi68{ sfof{no /x]sf], cfGtl/s /fhZj
sfof{no ===================== :yfoL n]vf btf{ k|df0f kq g+= ================ldlt==================== df
btf{ ePsf] ======================= -h;nfO{ o; kl5 æC0fLÆ elgPsf] 5_ sf] tkm{af6 clVtof/ k|fKt
=============== sf] gflt ===============sf] 5f]/f =============== lhNnf===============
a{}s sd{rf/Lsf] gfd ============ kb ============
/f]xj/
@=== lhNnf ======== uf==kf÷=g=kf ÷p=d=g=kf÷d=g=kf === a:g] aif{ ====== sf]= =============
!=== lhNnf ======== uf==kf÷=g=kf ÷p=d=g=kf÷d=g=kf === a:g] aif{ ====== sf] = ==========
;fIfLx?

d=g=kf=÷p=d=g=kf=÷g=kf=÷uf=kf= j8f g+==== :yfoL 7]ufgf ePsf] jif{ ========== sf] >L
======================== -gf=k|=g+================, hf/L ldlt ======================, lhNnf k|zf;g sfof{no,
===============_ cfu] xfd|f] gfddf tkfO{ wgL a}+saf6 :yL/ k"FhL shf{ cGtu{t (Fixed Term Loan)
?===============-cIf]?kL===============_, rfn' k"FhL shf{ (Working Capital Loan) cGtu{t ?=
.– -cIf]?kL ===================== dfq_ / u}x| sf]ifdf cfwfl/t -a}+s hdfgt÷k|tLtkq_ ;'ljwf
?==================.– -cIf]?kL ?=============== dfq_ ;d]t u/L s'n hDdf ?====================. -cIf]?kL
?============== dfq_ pkof]u u/]sf] jf lnP÷vfPsf] l7s ;fFrf] ;To xf], km/s xf]O{g 5}g . xfdL
C0fLnfO{ cfˆgf] dfq cfly{s >f]tn] gk'u eO{ yk /sd cfjZos k/L wgL a}+s ;dIf shf{
;'ljwf kfpm‘ egL lgj]bg lbPsf]df wgL a}+s;Fusf] cfk;L ;dembf/Lsf] cfwf/df plNnlvt
shf{÷;'ljwf /sd ?= ======================== -cIf]?kL ?=========== dfq_ ;Ddsf] ljleGg C0f shf{
tyf a}+lsË ;'ljwf tkfO{ wgL a}+s tyf xfdL C0fLaLr ldlt===================== df ;DkGg shf{
tyf a}+lsË ;'ljwf ;Demf}tf kqdf n]lvP cg';f/ shf{ tyf a}+lsË ;'ljwfx? :jLs[t ePsf] x'Fbf
xfdLn] ;f] ;Ldfleq /xL xfn lnO{ /x]sf] jf eljiodf lng] C0fshf{ tyf a}lsË ;'ljwf / ;f]df
tkfO{ wgL a}+ssf] lgodfg';f/ nfUg] Jofh, lkm, sldzg, k]gfN6L, b:t'/, C0f c;"nLdf x'g] vr{
nufotsf cGo ;Dk"0f{ /sd ;d]tsf] ;'/If0f :j?k o; cl3 s'g} klg Joxf]/fn] cGo s;}sf] xs
clwsf/ sfod x'g] u/L lnvt u/L glbPsf] xfdL C0fLsf] Psnf}6L xs clwsf/ sfod /x]sf]
xfdL C0fLsf] gfddf tkfO{ wgL a}+sdf vf]lnPsf] ;Dk"0f{ lgIf]k vftfx?df xfn hDdf /x]sf] tyf
kl5 hDdf x'g cfpg] /sd / xfdL C0fLn] cGo t];|f] JolQm÷kmd{÷sDkgL÷;+:yfnfO{ pBf/f]df
dfn;fdfgx? pknAw u/fP afkt jf ;fk6L lbP afkt To:tf JolQm÷kmd{÷sDkgL÷;+:yfnfO{
vftf jxL, ljn, ljhssf cfwf/df p7fpg afFsL /x]sf] pwf/f] afktsf] afFsL aSof}tf /sd jf
;fk6L /sd, snd (Entire Receivables) pk/ tkfO{ wgL a}+ssf] xfdL ;/xg} ;dfg xs
clwsf/ /xg] u/L o;} lnvtåf/f pk/f]Qm /sd snd pk/ xfdL C0fLnfO{ /x]sf] xs clwsf/
tkfO{ wgL a}+ssf gfddf xs x:tfGt/0f (Assign) u/L lbPsf 5f} . ;fy} a}+snfO{ n]lvlbPsf]
rfn' ;DklQsf] lwtf] k|rlnt ;'/lIft sf/f]jf/ P]g cGtu{t tf]lsPsf] lgsfodf wgL a}+ssf]
gfddf k|ydflwsf/ (Creation of Security Interest in the name of Bank) x'g] u/L C0fLsf] cfˆg}
400 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd cg';'rL yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 381

 vr{df lwtf]sf] xs btf{ u/L lbg C0fL d~h"/ ub{5 . sy+sbflrt xfdL C0fLn] tkfO{ wgL
a}+saf6 pNn]lvt ;Ldfleq /xL xfnk|fKt u/]sf] / kl5 eljiodf k|fKt ug{] C0f shf{sf] ;do,
;dodf ltg{ a'emfpg kg{] ;fFjf tyf Jofh lgwf{l/t ;dodf glt/], ga'emfPdf jf ;f]sf] efvf
Dofb gf3]df jf C0f shf{sf] b'?kof]u u/]df jf tkfO{ wgL a}+s / xfdL C0fLsf aLr pNn]lvt
C0f shf{sf ;DaGwdf ;DkGg ;Demf}tf, d~h"/Lgfdf jf cGo lnvt sfuhftdf pNn]lvt s'g}
klg zt{ aGb]h pNn+3g u/]df xfdLnfO{ g]kfn /fi6« a}+saf6 hf/L lgb]{zg / k|rlnt sfg"g
adf]lhd shf{ ;"rgf s]Gb| lnld6]8sf] sfnf] ;"rLdf /fVg] l;kmfl/z u/L jf gu/L o;} lnvt
adf]lhd tkfO{ wgL a}+sn] xfd|f] lgIf]k vftfdf /x]sf] /sdaf6 cfjZos /sd snd s6[f u/L jf
xfdLn] t];|f] JolQm÷kmd{÷sDkgL÷;+:yf;Fu p7fpg afFsL pwf/f] afktsf] /sd snd jf xfdLn]
t]>f] JolQm÷kmd{÷sDkgL÷;+:yfnfO{ lbPsf] ;fk6L afkt p7fpg afFsL /sd xfdLnfO{ eP
;/xsf] clwsf/ k|of]u u/L lghx?af6 ;f]em} c;"n pk/ u/L lng' xf]nf egL of] clVtof/L
;lxtsf] d~h"/gfdf lbO{ Assignment of Receivables sf] lnvt n]lv lbPsf 5f}+ . kl5 Psfsf]
gfddf /x]sf] lgIf]kaf6 jf Psfn] lng kg]{ afFsL /sdaf6 csf{n] cfˆgf] n]gf afkt ldnfg x'g]
u/L s'g} /sd snd s§L u/L lng kfpg] xf]Og eGg] ;d]t s'g} lsl;dsf] ph'/, jfh'/ ug{] 5}gf}+,
u/] o;} lnvtn] ab/ u/fO{ lng' xf]nf . ;fy} tkfO{ wgL a}+sn] xfd|f] lgIf]k vftfx?sf] jf xfdLn]
p7fpg afFsL /x]sf] /sdx?sf] af/]df ljj/0f dfu ugf{;fy t'?Gt} To:tf] ljj/0f a'emfpg] 5f}+,
ga'emfPdf jf a'emfpg g;s]df xfdLn] zt{ e+u u/]sf] dfgL o;} lnvtdf pNn]v u/] d'tfljs
cfˆgf] n]gf c;"n pk/ u/L lng' xf]nf sy+sbflrt o; lnvtdf pNn]v u/] d'tfljs dfq tkfO{
wgL a}+ssf] ;Dk"0f{ n]gf c;"n pk/ x'g g;s]df xfd|f] xs nfUg] jf xfd|f] gfddf /x]sf] h'g;'s}
rn crn ;DklQ sAhf u/L, /f]Ssf /fvL ;f]af6 cfˆgf] n]gf c;"n pk/ u/L lng' ePdf ;d]t
xfd|f] d~h"/L 5 . kl5 :ki6 ?kdf ;'/If0f jfkt n]vL glbPsf] ;DklQ ;dfTg kfpg] xf]Og eGg]
;d]t s'g} lsl;dsf] ph'/ jfh'/ ug]{ 5}gf}+, u/] o;} lnvtn] ab/ u/L lbg' xf]nf egL o;
lnvtdf n]lvPsf] Joxf]/f k9L afrL ;f]sf] dtnj / kl/0ffd ;d]t ;+emL a'emL tkfO{ wgL a}+ssf]
sfof{nodf a;L xfd|f] dgf]dfg /fhLv'zLn] lsgf/fsf ;fIfLx?sf] /f]xj/df a;L of] lnvt u/L
tkfO{ wgL a}+snfO{ lbof}+ . ;fIfL lsgf/fsf ;b/ .

C0fLsf] tkm{af6 clVtof/ k|fKt JolQmsf] b:tvt kmd{÷ sDkgLsf] 5fk

===========================
gfd ============================== -gf=k|=g+= ===================_

Olt ;Djt\ ========== ;fn===============dlxgf==========ut] ========/f]h============z'ed\================.

382 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 [cg';"rL @*=@!]401
-sfo{ljlwsf] bkmf #& ;Fu ;DalGwt_
nufgLstf{÷z]o/wgL÷;~rfnsn] k|bfg u/]sf] C0f shf{ lkmtf{ e'QmfgL lng] ;DaGwL ;Demf}tf
-LOAN SUBORDINATION AGREEMENT_

cfh ldlt =========== ;fn ========== dlxgf ======= ut]sf lbg Loan Subordination eO{ xfdL lgDg lnlvt kIfx?sf]
aLrdf of] ;Demf}tf ;DkGg eO{ x:tfIf/ eof] .

kIfx? (Parties):

-s_ g]kfn ;/sf/, pBf]u÷jfl0fHo dGqfno, ========sfof{nodf btf{ g+= ==============sfod eO{ ldlt ==================df
btf{ ePsf] ================= lhNnf ======================== d=g=kf=÷p=d=g=kf=÷g=kf=÷uf=kf= j8f g+====, ================= l:yt
/lhi68{ sfof{no /x]sf], cfGtl/s /fhZj sfof{no =================== :yfoL n]vf btf{ k|df0fkq g+= =============ldlt
=============== df btf{ ePsf] ============================ -h;nfO{ o; pk|fGt o; lnvtdf æC0fLÆ egL ;Daf]wg ul/Psf] 5_
sf] tkm{af6 clwsf/k|fKt JolQm >L ================sf] 5f]/f
===================lhNnf===============d=g=kf=÷p=d=g=kf=÷g=kf=÷uf=kf=j8f g+= ==========a:g] lhNnf k|zf;g sfof{no,
==============af6 gf=k|=g+= =====================ldlt ============== df gful/stf k|df0fkq k|fKt aif{ ======== sf] >L============== o;
kl5 C0fL elgPsf] 5 .

-v_ >L ========================== sf] gftL >L =================================sf] 5f]/f

==================================lhNnf====================== d=g=kf=÷p=d=g=kf=÷g=kf=÷uf=kf= j8f g+= == j:g] lhNnf k|zf;g
sfof{no, ========================af6 gf=k|=g+= ==========================ldlt========================== df gful/stf k|df0fkq k|fKt aif{
=========== sf] >L============================o; kl5 ;fx" elgPsf] 5, sf aLr,

k|:tfjgfM
-s_ of] ;Demf}tf x'g' cufj} C0fLn] cfˆgf] Joj;fo ;~rfng ug{ ;fx'af6 C0f shf{ k|fKt u/]sf] tyf eljiodf klg
C0fLn] ;fx'af6 k6s–k6s C0f k|fKt ug{ ;Sg] ePsf] / C0fLsf] Joj;fosf] k|s[lt cg'?k C0fLnfO{ cfˆgf] Joj;fo
;~rfng Jojl:yt tyf lj:tf/ ug{ sf7df08f} lhNnf sf7df08f} dxfgu/kflnsf j8f g+= !!, /fdzfxky sf7df08f}
/lhi68{ d'Vo sfof{no /x]sf] s[lif ljsf; a}+s ln= -h;nfO{ o; pk|fGt æa}+sÆ elgPsf] 5_ af6 ldlt =========== df
;DkGg shf{ tyf ;'ljwf ;Demf}tf cg';f/ s'n hDdf ?====================. -cIf]?kL ?============== dfq_ / eljiodf klg yk
ljleGg k|sf/sf C0f shf{ tyf a}lsË ;'ljwf k|fKt ug]{ ;Gbe{df C0fL tyf wgL a}saLr ePsf] C0f shf{ ;DaGwL
;Demf}tf jf ;dembf/Lsf] zt{ aGb]hdWo] wgL a}saf6 k|fKt u/]sf] C0f shf{ r'Qmf e'Qmfg gu/];Dd C0fLn] ;fx'af6
k|fKt u/]sf] C0f shf{sf] ;fFjf Aofh cflb r'Qmf e'QmfgL ug]{ sfo{nfO{ a}+saf6 lnPsf] C0f shf{ e'QmfgL u/] kl5sf] bf]>f]
k|fyldstfdf /fVg] ;DaGwdf C0fL tyf ;fx'aLr ePsf] ;Efmf}tf ;d]t wgL a}+sdf k]z ug'kg]{ ePsf]n] xfdL C0fL /
;fx'aLr C0fLn] ;fx'nfO{ ltg'{ a'emfpg'kg]{ C0f shf{sf] ;fFjf Aofh r'Qmf e'QmfgL b]xfosf] zt{ aGb]hsf] clwgdf /xL
bf]>f] k|fyldstf (Loan Subordination) df /fVg] ;DaGwdf of] ;Demf}tf ul/Psf] 5 .

zt{ aGb]hx?M
-!_ ;fx'nfO{ s'g} k'j{ hfgsf/L glbO{ wgL a}+sn] cfˆgf] :jljj]sdf C0fLnfO{ k6s k6s s'g} klg lsl;dsf] C0f shf{ jf
a}+lsË ;'ljwf k|bfg ug{, k|bfg u/]sf] C0f shf{ /÷jf a}+lsË ;'ljwf gjLs/0f ug{ jf k'g{;+/rgf k'g/tflnlss/0f jf
C0fshf{ /÷jf a}+lsË ;'ljwfsf] cjlw yk ug{ ;Sg] 5g\ .

-@_ C0fLn] a}+saf6 k|fKt u/]sf] C0f shf{ /÷jf a}+lsË ;'ljwf jf ;f]af6 a}+snfO{ ltg{'kg]{ s'g} klg lsl;dsf] yk cfly{s
bfloTj jf Joo ef/ r'Qmf e'QmfgL u/L km/kmf/s gu/];Dd ;fx'n] C0fLnfO{ k|bfg u/]sf] C0f shf{sf] ;fFjf Jofh cf+lzs
jf k'0f{ e'QmfgLsf] dfu ug]{ 5}g / To:tf] C0f shf{ c;"n pk/ ug{ C0fL lj?4 s'g} lsl;dsf] k|zf;lgs jf sfg"gL
sf/jfxL ;d]t ug]{ 5}g . ;fy} ;fx'n] C0fLnfO{ C0f lbFbf /fv]sf] s'g} ;'/If0f ePdf To:tf] ;'/If0f laqmL u/L jf cGo s'g}
401 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd cg';'rL yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 383

 sf/jfxL jf sf/f]jf/ u/L C0f shf{ c;"n pk/ ug]{ u/fpg] sfo{ ug]{ Joxf]/f klg o;} ;Demf}tfaf6 ;fx' k|ltj4tf hfx]/
ub{5 . C0fLnfO{ a}+sn] lnlvt pGd'QmL glbP;Dd ;fx'n] C0fLaf6 k|fKt u/]sf] ;'/If0f ;fx'n] a}+ssf] 6«:6Lsf] x}l;otdf
oyfl:ytLdf /fVg]5 syd\ sbflrt\ To:tf] ;'/If0f gfz x'g] lalu|g] s'g} ljlgdo clwsf/ kq ;'/If0fdf /x]sf]df To:tf]
clwsf/ kqsf] efvf Dofb ;dfKt x'g] cflb sf/0faf6 ;'/If0fsf] d"Nodf x|f; cfpg] ePdf ;fx'n] a}+s;Fu ;dGjo u/L
a}+sn] o; ljifodf dfu u/] cg'?k pko'Qm sf/jfxL u/L k|fKt /sd a}+snfO{ ltg]{ a'emfpg] s'/fsf] ;fx' k|Tofe"tL ub{5 .

-#_ sy+sbflrt\ C0fL bfdf;fxLdf k/]df jf :j]lR5s jf afWofTds vf/]hLdf k/]df jf cGo s'g} sfg'gL sf/jfxLaf6
vf/]h eO{ jf C0fLsf] Joj;fo k"/f jf cf+lzs laqmL cflb eO{ jf C0fLsf] hfoh]yf k"0f{ jf cf+lzs ?kdf laqmL eO{
;fx'k|ltsf] bfloTjk"0f{ jf cf+lzs ?kdf r'Qmf ug]{ p4]Zon] ;fx'n] s'g} klg /sd jf ;DklQ oyfl:yltdf /fvL ;j{k|yd
C0fLsf] a}+sk|ltsf] bfloTj r'Qmf ug{ a}+snfO{ ltg]{ a'emfpg] sfo{ ug]{ u/fpg] 5' . sy+sbflrt\ ;fx'n] k|fKt u/]sf] To:tf]
/sd jf ;DklQ a}+snfO{ a'emfpg l9nf u/]df ;fx'n] 6«:6Lsf] x}l;otn] a}+ssf] xsdf cfk'ml;t ;'/lIft ;fy /fVg]5 . ;fy}
;fx'n] o;} ;Demf}tfaf6 To:tf] /sd jf ;DklQ dfu ug{ ;+sng ug{ k|fKt ug{ jf To:tf] /sd jf ;DklQ k|fKt ug{
cfjZos sfg"gL sf/jfxL d'4f jf cGo s'g} sfo{ a}+sn] ug{ ;Sg] u/L a}+snfO{ ckl/jt{gLo clVtof/L k|bfg ub{5 /
To:tf] sfo{ ug{ u/fpg a}+snfO{ cfjZos kg]{ d~h"/Lgfdf jf/]zgfdf jf clwsf/ kq ;d]t a}+sn] dfu]sf avt pknAw
u/fpg] k|ltj4tf ub{5 .

-$_ C0fLn] a}+snfO{ ltg{ a'emfpg' kg]{ /sd r'Qmf e'Qmfg gu/];Dd ;fx'n] C0fLnfO{ k|bfg u/]sf] C0f shf{af6 pTkGg
s'g} klg lsl;dsf] ;fx'sf] C0fL dflysf] bfjL xs lxt jf clwsf/ cGo s'g} t]>f] kIfnfO{ s'g} klg lsl;daf6 x:tfGt/0f
ug]{ u/fpg] 5}g .

-%_ ;fx'n] of] ;Demf}tf eË ug]{ p4]Zon] a}+sdf hfgsf/L lbO{ a}+sn] :jLs[lt glbP;Dd of] ;Demf}tf cljl5Gg ?kdf j}w
/xg]5 / To:tf] hfgsf/L glbP;Dd a}+sn] o; ;Demf}tfsf] cfwf/df ;fx'nfO{ hfgsf/L glbO{sg C0fLnfO{ k|bfg u/]sf]
C0f shf{ a}+lsË ;'ljwf yk shf{ jf a}+lsË ;'ljwf ;f]sf] gjLs/0f lj:tf/ jf To:tf sfo{sf] sf/0faf6 eljiodf a}+s
dfly kg{ cfpg] yk bfloTj cflb ;d]t r'Qmf e'Qmfg gu/];Dd ;fx'n] pNn]lvt ;"rgf lbPsf] sf/0fn] dfq of] ;Demf}tfdf
s'g} gsf/fTds c;/ kg]{ 5}g / o; ;Demf}tf cGtu{t a}+snfO{ k|fKt xs clwsf/df klg s'g} c;/ kg]{ 5}g .

-^_ C0fL / a}+saLr ePsf] s'g} klg C0f shf{ jf a}+lsË ;'ljwf ;DaGwL sf/f]jf/ jf a}+sn] C0fL dfly lnPsf] ljQLo
hf]lvd o;} ;Demf}tfsf] cfwf/df Pj+ ljZj;gLotfdf lnPsf] dflgg]5, To:tf] sf/f]jf/ jf C0fL / a}+saLr eljiodf x'g]
sf/f]jf/sf] ;DaGwdf ;d]t a}+s ;fx'nfO{ s'g} lsl;dsf] hfgsf/L lbg afWo x'g] 5}g . C0fL / a}+saLr x'g] ;a} lsl;dsf
sf/f]jf/x?df ;fx'sf] k"0f{ ;xdlt /x]sf] dflgg]5 .

-&_ of] ;Demf}tf x'g' eGbf cufj} C0fL / a}+saLr ePsf] sf/f]jf/x?sf] ;DaGwdf ;d]t ;fx'nfO{ k"0f{ hfgsf/L 5 / of]
;Demf}tf To:tf sf/f]jf/x?sf] xsdf ;d]t nfu" x'g]5 .

-*_ C0fLn] a}+sk|lt lgjf{x ug'{kg]{ s'g} klg bfloTjsf] ;DaGwdf a}+sn] C0fLnfO{ To:tf] bfloTjaf6 lnlvt pGd'QmL lbPsf]
cj:yfdf afx]s a}+sn] C0fLnfO{ s'g} pGd'QmL lbPsf] dflgg] 5}g . sy+sbflrt\ a}+sn] s'g} To:tf] pGd'QmL lbPsf] ePtfklg
To:tf] pGd'QmL lbPsf] lnvtdf pNn]v ePsf] xb;Dd dfq nfu" x'g]5 / ;fx'sf] a}+sk|ltsf] cGo bfloTjdf s'g} c;/ kg]{
5}g .

-(_ of] ;Demf}tf sfod /x];Dd C0fLn] ;fx'k|lt C0f bfloTj ltg{] a]dfv ug]{ p4]Zon] s'g} /sd jf ;DklQ ;fx'nfO{ lbg],
ltg]{ a'emfpg] 5}g, sy+sbflrt\ To:tf] ltg]{ a'emfpg] sfo{ u/] u/fPdf jf ;fx'n] ;d]t C0fLaf6 k|fKt To:tf] /sd jf
;DklQ cfˆgf] C0fLdflysf] clwsf/sf] k|of]u ug]{ p4]Zon] C0fL;Fusf] s'g} lx;fa lstfa ldnfg u/]df jf n]vf+sg u/]df
of] ;Demf}tf pNn+3g ePsf] dflgg] 5 / a}+s C0fL jf ;fx' jf oL b'j} kIf lj?4 s'g} klg sf/jfxL ug{ :jtGq x'g]5 .

-!!_ of] ;Demf}tf, ;Demf}tfsf b'a} kIfn] x:tfIf/ u/]sf] ldltb]lv nfu" x'g]5 / C0fLn] a}+sk|ltsf] cfˆgf] ;a} bfloTj
a]dfv u/]sf] lnlvt kq a}+saf6 k|fKt u/]sf] ldltdf jf of] ;Demf}tfdf dfly pNn]lvt ePsf] cj:yfdf e+u x'g]5 .

-!@_ of] ;Demf}tf k|rlnt g]kfn sfg'g adf]lhd nfu" x'g]5 / o;sf s'g} bkmf jf a'Fbf s'g} sfg"gn] aflemPdf aflemPsf]
xb;Dd dfq cdfGo x'g]5 cGo s'/fdf s'g} c;/ kg]{ 5}g .

384 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 -!#_ of] ;Demf}tf k9L afFrL o;df n]lvPsf k|To]s a'Fbfsf] dg;fo, cfzo a'emL ;Totfsf ;fy ;Demf}tf k"0f{ kfngf ug]{
k|ltj4tf ;lxt of] ;Demf}tfdf ;Demf}tfsf b'j} kIfn] jf cf–cfˆgf] cflwsfl/s k|ltlglw dfkm{t\ ;xL5fk u/L Ps–Ps
k|lt a'lemlnof} / o;sf] Ps k|lt a}+sdf ;d]t lbof}+ .

========================================= = ===================================
C0fLsf] tkm{af6
cflwsfl/s k|ltlglw wgL÷;fx'x?sf] tkm{af6
gfdM != gfdM
7]ufgfM 7]ufgfM
………………………….
@= gfdM
7]ufgfM

;fIfLM

!= ====================================================
@= ====================================================

Olt ;Djt =================== ;fn ================================ dlxgf================ut] /f]h=============z'ed\ .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 385

 [cg';"rL @( ] 402
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 æsÆ ju{sf] Ohfhtkqk|fKt ;+:yf_
-shf{ sfo{ljlw @)&# sf] bkmf @) ;Fu ;DalGwt_
-JolQmut ljj/0f tyf g]6jy{sf] gd"gf_
Personal Details of Proprietor/Partners/Directors/Shareholders/Guarantor

1 Name of Person:
2 Citizenship Number: Photo

3 Address:
Permanent:

Present:

Contact No.

email:

4 Members of Family:
S.N. Name of the Members Relation Citizenship No.

5 Qualification

S.N. Board Level Passed Year Remarks

6 Related Experiences:

(Experiences in similar industry and other industry)

7 Hold position in the concerned Firm/Company as a:

(Please mention the designation/position in the firm/ company and also percentage of shareholdings)

8 Personal Net Worth Details:

S.N. Type of Description Owner/ Estimated Mortgaged with
Assets Relationship Value other BFIs

402 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd cg';'rL yk

386 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 1 Land District/ Municipality/ VDC/
Ward/ plot/ Area
2 Land and District/ Municipality/ VDC/
Building Ward/ plot/ Area
No of floor
Sq Feet
Year of Completion
3 Vehicles Type
Model
Registration
4 Bank and Bank
Cash A/c no
Balance
5 Gold and Weight (in grams)
Precious
Metals
6 Share Name of company
Debentures, No of shares and debentures
Bonds
7 Others Please Specify
Total Value

a. Assets owned by me and my immediate family members

b. Liabilities owned by me and my immediate family members

S.N. Particulars Amount (Rs.)

1. Loan from Banks and Financial Institution
2 Other (Please Specify)

c. Net Assets Owned (a-b):

I declare that all the particulars and information given above are true, correct and complete. I declare that I, in my
individual capacity, have not defaulted in repayment of any loan from bank and financial institution.

Signature:
Date

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 387

 s[lif ljsf; a}+s lnld6]8
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
===============sfof{no=============
cg';"rL @(=!
===========================
shf{ cfj]bg btf{ /lhi6/
shf{ cfj]bssf] gfd shf{ dfu /sd Psf3/ Psf3/ kl/jf/sf]
k|f]k|fO{6/÷ k|f]kf| O{6/÷;fem]bf/÷ shf{sf] lwtf]sf] ljj/0f lwtf]sf] cg'dflgt
btf{ g+= ldlt -JolQmut÷kmd{÷ ;Dks{ g+= kl/jf/sf] cg'dflgt
;fem]bf/÷;+rfnssf] gfd ;+rfnssf] 7]ufgf p2]Zo l:y/ rfn' hDdf hUUff÷3/ /sd ?=
;+:yf÷sDkgL_ cfDbfgLsf] >f]t jflif{s cfDbfgL
365
 s[lif ljsf; a}+s lnld6]8 cg';"rL @(=@
===============sfof{no =============
366

shf{ :jLs[t /lhi6/

k"j{ :jLs[t shf{ kl/of]hgfsf] s"n xfn nufgLdf gof“÷yk shf{ ca sfod shf{ l;kmfl/z ug]{ shf{ ;dLIff ug]{ shf{ :jLs[t
shf{ shf{ nfut ?= x'g] s'n shf{ lwtf]sf] ljj/0f sd{rf/Lx?sf] sd{rf/Lsf] ug]{
a}+7s g+= u|fxssf] shf{sf] dfu /sd ?= /lx/x] sf] /sd ?= :jLs[ t /sd ?= ;Ldf ?=
qm=

s}lkmot
k|aGwssf]
;+= ldlt gfd, p2]Zo /sd shf{of]Uo
7]ufgf ?= l:y/ rfn' hDdf l:y/ rfn'' hDdf l:y/ rfn'' hDdf l:y/ rfn' hDdf l:y/ rfn' hDdf lwtf] sf] lsQf l;6 s' n d" Nof+
l st sf] 8 sf] 8 sf]8
lsl;d g+= g+= If]qkmn lwtf] /sd ?= lwtf]?=/sd gfd kb g+= b:tvt gfd kb g+= b:tvt gfd g+= b:tvt
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 cg';"rL @(=#
s[lif ljsf; a}+s lnld6]8
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

===============sfof{no=============
shf{ gjLs/0f /lhi6/
shf{ gjLs/)fsf] shf{ gjLs/)f
shf{ :jLs[t xfn nufgLdf shf{ gjLs/)f ug{
lwtf]sf] ljj/)f nflu l;kmfl/z ug]{ ug{ :jLs[t ug]{
/sd ?= /lx/x]sf] /sd ?= sd{rf/Lsf] ;ldIff ug]{ sd{rf/Lsf] k|aGwssf]
shf{
ldl;n shf{ gjLs/)f

s}lkmot
qm= a}+&s u|fxssf] shf{sf] s"n
ldlt g+=÷u|fxs :jLs[t x'g] shf{
;+= g= gfd, p@]Zo
g+ ldlt /sd ?= lwtf]sf] lsQf d"Nof+lst shf{of]Uo sf]* sf]* sf]*
&]ufgf l:y/ rfn' hDdf l:y/ rfn' hDdf If]qkmn lwtf] /sd gfd kb b:tvt gfd kb b:tvt gfd b:tvt
lsl;d g+= lwtf] g+= g+= g+=
?=
/sd ?=
367
 s[lif ljsf; a}+s lnld6]8 cg';"rL @(=$
368
===============sfof{no =============
lgliqmo shf{÷;'Id lgu/fgLdf /x]sf shf{ u|fxssf] /lhi6/
shf{ :jLs[t shf{sf] ljj/0f shf{sf] cj:yf
shf{ u|fxssf] shf{sf] shf{ gf]S;fgL kl/of]hgf÷lwtf]sf] shf{ lgoldt shf{ c;"nLsf nflu
qm= ;+= gfd / 7]ufgf p2]Zo ef=g=gf= ;'Id
ldlt /sd ?= ef=gf=/sd ?= afFsL Jofh ?= Joj:yf lgliqmo cj:yf gx'g'sf sf/0fx? ul/Psf k|of;x?
/sd ?= lgu/fgL
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 s[lif ljsf; a}+s lnld6]8
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
===============sfof{no ============= cg';"rL @(=%
===========================
shf{ k'g;{+/rgf tyf k'gtf{lnlss/0f /lhi6f/
s'n :jLs[t xfn nufgLdf /lx/x]sf] shf{ k'g;{+/rgf tyf shf{ k'g;{+/rgf tyf shf{ k'g;{+/rgf tyf
k'g;{+/rgf
shf{ ;Ldf lwtf]sf] ljj/0f k'gtf{lnlss/0fsf] nflu k'gtf{lnlss/0f ug{ ;ldIff ug]{ k'gtf{lnlss/0f ug{ :jLs[t

s}lkmot
qm= a}+7s shf{ u|fxssf] gfd, shf{sf] :jLs[t /sd ?= /sd ?= ug'{kg]{ /sd
;+= g+= ldlt l;kmfl/z ug]{ sd{rf/Lsf] sd{rf/Lsf] ug]{ k|aGwssf]
7]ufgf p2]Zo ldlt
l:y/ rfn' l:y/ rfn' hDdf l:y/ rfn' lwtf]sf] If]qkmn s'n d"Nof+lst shf{of]Uo lwtf] gfd kb sf]8 g+= b:tvt gfd kb sf]8 g+= b:tvt gfd sf]8 b:tvt
lsl;d lwtf] /sd ?= /sd ?= g+=
369
 s[lif ljsf; a}+s lnld6]8
cg';"rL @(=^
370

===============sfof{no =============

shf{ ;b'kof]lutf÷;'kl/j]If0f /lhi6/

nufgLdf xfn
shf{ :jLs[t shf{ ;b'kof]lutf shf{ ;b'kof]lutf lg/LIf)f shf{ ;b'kof]lutf
kl/of]hgfsf] cj:yf /lx/x]sf] shf{ lwtf]sf] cj:yf
cl#Nnf] k|bfg k|bfg kl/of]hgf
shf{ ldlt lg/LIf)f ug]{ sd{rf/Lsf] ug]{ sd{rf/Lsf] lg/LIf)f ug]{
/sd ?= ls:tf ug'{kg]{ ug{ tyf lwtf]sf]
ldl;n

s}lkmot
u|fxssf] shf{sf] s'n ;lsg]
qm=;+= ldlt gfd
g+=÷u|fxs l:y/ rfn' shf{of]Uo k|bfg af¤
sL cj:yf
p$]Zo

b:tvt
g+= /sd d"Nof+lst ul/Psf] s:tf ls:tf -;Gtf]ifhgs, sf]* sf]* sf]*
&]ufgf ldlt ;Dklt ;Dklt hDdf l:y/ rfn' hDdf lwtf] gfd kb b:tvt gfd kb b:tvt gfd kb
?= lwtf] ldlt /sd ?= /sd /fd|f], pTs[i^_ g+= g+= g+=
?= ?= /sd ?=
/sd ?= ?=
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 cg';"rL @(=&
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

s[lif ljsf; a}+s lnld6]8

===============sfof{no, =============
td;'s /lhi6/
sfuhft tof/ ug]{ sfuhft r]s ug]{
sfuhftsf] ljj/)f sfuhft a'lemlng] sd{rf/Lsf]
sd{rf/Lsf] sd{rf/Lsf]

JolQmut hdfgt

shf{ ;'ljwf kq
:jLs[t

dfnkf]t /l;b

s}lkmot
k|fl] d;/L gf]^
shf{ td;'s

d~h"/Lgfdf
qm= ldl;n g+=÷u|fxs shf{ u|fxssf]

b[li^aGws
shf{

nfnk"hf{
ldlt

lnvt
;+= g+= gfd, &]ufgf
/sd ?= cGo gfd kb sf]* g+= b:tvt gfd kb sf]* g+= b:tvt gfd kb sf]* g+= b:tvt
371
 cg';"rL @(=*
s[lif ljsf; a}s
+ lnld^]*
===============sfof{no, =============
ckn]lvt shf{sf] ljj/)f
ut cf=j=;Ddsf] af¤
sL ?= o; jif{sf] ckn]vg /sd ?= o; jif{sf] c;"nL /sd ?= o; jif{;Ddsf] /sd ?=
qm=;+= u|Fxssf] gfd u|Fxssf] &]ufgf
;f¤
jf Jofh hDdf ;f¤
jf Jofh hDdf ;f¤
jf Jofh hDdf ;f¤
jf Jofh hDdf

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

tof/ ug]{ r]s ug]{ k|aGws

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 395

 cg';"rL @(=(
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
s[lif ljsf; a}+s lnld^]*
==========sfof{no===========
;sf/ ;Dkltsf] ljj/)f
qm. ;sf/sf] /sdsf] ljj/)f ;sf/ lwtf]sf] ljj/)f lwtf]sf] shf{ nufgL ubf{sf] lwtf] ;sf/ ubf{sf] lwtf] ;sf/ lkmtf{
;+. u|fxssf] gfd u|fxssf] &]ufgf ;fFjf Jofh cGo hDdf lwtf] ;sf/ ldlt hUuf wlgsf] gfd lwtf] /x]sf] &]ufgf ls.g+. If]qkmn #/sf] If]qkmn ju{ d"Nof+sg ?. d"Nof+sg ?. s}lkmot

ldlt /sd ?.

uf.kf.÷g.kf. jf*{ g+.

373
 cg';"rL @(=!)
s[lif ljsf; a}+s lnld^]*
===============sfof{no============
cfGtl/s tyf afXo sfnf];"rLdf /flvPsf] u|fxsx?sf] /lhi^/
nufgLdf /lx/x]sf]
shf{{ :jLs[t lwtf]sf] cj:yf sfnf];"rLdf sfnf];"rLaf^ sfnf];"rLdf sfnf];"rLaf^
shf{ /sd ?=

s}lkmot
shf{ u|fxssf] ldl;n g+=÷ shf{sf]
qm=;+= ;dfj]z km"s"jf ;dfj]z km's'jf
gfd, &]ufgf u|fxs g+= p$]Zo /sd s'n d"Nof+lst shf{of]Uo lwtf]
ldlt l:y/ rfn' hDdf ul/Psf] ldlt ul/Psf] ldlt ul/g'sf] sf/)f ul/g'sf] sf/)f
?= lwtf] /sd ?= /sd ?=

r]s ug]{ k|aGws

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 397

 cg';"rL @(=!!
s[lif ljsf; a}+s lnld^]*
===============sfof{no =============
Psn u|fxs shf{ ;Ldfsf] /lhi6/

u|fxssf] ;DjGw
sf]ifdf
u|fxssf] ktL÷kTgLsf] -s b]lv h ;Dd_ u}/ sf]ifdf
qm=;+= ldlt k|f]k|fO^/÷;+rfnssf] gfd lktfsf] gfd cfwfl/t hDdf ?= Aff¤
sL Jofh s}lkmot
gfd gfd kmd{, klt, kTgL, cfwfl/t ;'ljwf ?=
shf{ ?=
cfdf, afa' cflb

tof/ ug]{ r]s ug]{ k|aGws

398 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 cfk;L ;DaGw ePsf u|fxsx?nfO{ Pp6} ;d"x dflgg] Joj:yf M
shf{ ;fk6 tyf ;'ljwf ;Ldfsf] k|of]hgsf] lgldQ cfk;L ;DaGw ePsf u|fxsx?sf] ;d"xnfO{ b]xfosf
cj:yfdf Pp6} ;d"x dflgg] 5 M–
-s_ s'g} sDkgLn] csf]{ sDkgLsf] kRrL; k|ltzt jf ;f]eGbf a9L ;]o/ lnPsf] eP To:tf b'j} sDkgLx?,
-v_ s'g} JolQm, sDkgLsf] ;~rfns, k|fOe]6 lnld6]8 sDkgLsf ;]o/wgL, ;fem]bf/L kmd{sf ;fem]bf/,
kmd{sf k|f]k|fO6/ tyf To:tf JolQm, ;~rfns, ;]o/wgL, ;fem]bf/ jf k|f]k|fO6/sf Psf3/df a;f]af;
u/L cfPsf jf 5'§fleGg ePsf klt jf kTgL, 5f]/f, 5f]/L, wd{k'q, wd{k'qL, afa', cfdf, ;f}t]gL cfdf
/ cfk"mn] kfngkf]if0f ug'{ kg]{ bfh', efO, tyf lbbL, alxgL,
-u_ v08 -v_ df plNnlvt JolQmx?n] PSn} jf ;+o'Qm?kdf csf]{ sDkgLsf] @% k|ltzt jf ;f] eGbf a9L ;]o/
lnPsf] eP To:tf sDkgLx?,
-3_ v08 -v_ df plNnlvt JolQmx?n] PSn} jf ;+o'Qm ?kdf csf]{ sDkgLsf] kRrL; k|ltzt eGbf sd ;]o/
lnPsf] eP tfklg To:tf] sDkgLsf] Joj:yfkgdf b]xfosf lsl;daf6 lgoGq0f ePsf To:tf sDkgLx?M–
-!_ ;~rfns ;ldltsf] cWoIf eO{,
-@_ sDkgLsf] sfo{sf/L k|d'v eO{, jf
-#_ sDkgLsf] ;~rfnsx?dWo] @% k|ltzteGbf a9L ;~rfnsx? lgo'Qm u/L .
-ª_ Ps} ;d"xsf egL cfj4 /x]sf kmd{, sDkgL jf To:tf ;d"xsf ;b:ox?,
-r_ v08 -v_ adf]lhd Pp6f u|fxs jf sDkgLn] csf]{ u|fxs jf sDkgLnfO{ hdfgt lbPsf] eP To:tf u|fxs jf
sDkgLx? . t/ /fli6«o k|fyldstfk|fKt hnljB't cfof]hgfsf] xsdf s'g} u|fxsn] hdfgt lbPsf] cfwf/df
dfq cfk;L ;DaGw ePsf u|fxsx?sf] ;d"xdf gkg]{ u/L zt{x? tf]sL 5'6 lbg ;lsg] 5 . tf]lsPsf] ;dodf
To:tf cfof]hgf ;DkGg gePdf o:tf] 5'6 :jtM /2 x'g]5 .
-5_ Pp6} lwtf]df PseGbf a9L JolQmx?nfO{ shf{ k|jfx u/]sf] eP To:tf JolQmx?,
-h_ kmd{, sDkgL afx]s cGo ;+:yfx?sf] xsdf ;f] ;+:yf ;~rfng, lgoGq0f jf Joj:yfkgdf k|ToIf ;+nUg JolQm
jf lghsf] Psf3/df a;f]af; u/L cfPsf jf 5'§fleGg ePsf klt jf kTgL, 5f]/f, 5f]/L, wd{k'q, wd{k'qL, afa',
cfdf, ;f}t]gL cfdf / cfk"mn] kfngkf]if0f ug'{ kg]{ bfh', efO, tyf lbbL, alxgL .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 399

 s[lif ljsf; a}+s lnld^]*
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

===============sfof{no =============
cg';"rL @(=!@
lwtf] km's'jf /lhi6/
dfnkf]t sfof{nonfO{ lwtf] km's'jf ug{ lwtf] km's'jf ug{ lwtf] km's'jf
u|fxssf] shf{÷ shf{÷ dfnkf]t sfof{noaf^ lwtf]sf] ljj/)f l;kmfl/z ug]{ shf{ l;kmfl/z ug]{ n]vf ug{ :jLs[t ug]{
u|fxssf] shf{÷ lwtf] /f]Ssf÷ b[li^aGws
zfvfsf sd{rf/Lx?sf] zfvfsf sd{rf/Lsf] k|aGwssf]

s}lkmot
qm= a}+&s ldl;n ;'ljwfsf] ;'ljwf lwtf] /f]Ssf u/L
gfd, ;'ljwfsf] lnvt kf; ug{
ldlt g+=÷u|fxs ;Ldf r'Qmf k&fPsf] kqsf] r=g+= lwtf] lwtf]sf] lsQf l;^
;+= g+= k&fPsf] kqsf] r=g+= lwtf]wgLsf] d"Nof+sg sf]* sf]* sf]*
&]ufgf p$]Zo /x]sf]
g+= /sd ?= ldlt / ldlt If]qkmn gfd kb b:tvt gfd kb b:tvt gfd b:tvt
/ ldlt gfd &]ufgf lsl;d g+= g+= /sd g+= g+= g+=
377
 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

cg';"rL @(=!#
378

s[lif ljsf; a}+s lnld6]8

===============sfof{no =============
lwtf] d~h"/Lgfdfsf] /lhi6/
d~h"/Lgfdf lbg]sf] ljj/0f lwtf] d~h"/Lgfdfsf] ljj/0f
u|fxssf] gfd shf{÷;'ljwfsf] shf{÷;'ljwfsf] :jLs[t d~h"/Lgfdf lbPsf]
qm=;+= gfd / afa'÷afh]sf] gf=k|=g+= lhNnf u|fxs;Fu hUufsf] 3/sf] d"Nof+sg d~h"/Lgfdf lbPsf] s}lkmot
/ 7]ufgf zLif{s ;Ldf ldlt
7]ufgf gfd / ldlt ;DaGw If]qkmn ljj/0f /sd ?= /sd ?=
s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#
 s[lif ljsf; a}+s ln= cg';"rL #)
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

==========sfof{no===============
-shf{ sfo{ljlw, @)&# sf] bkmf @* ;Fu ;DalGwt_

Date: …………….

To,
….. Name of Customer ….
…. Address of Customer …..

Subject: Letter of Intent for financing ……… name of Project …….

Dear Sir,
We refer to …..the name of project…. which your esteemed …..firm/company… is discussing with us for
…… …. financing. We are pleased to express our interest in considering providing you credit facility. We
issue this letter of intent with an understanding that we shall issue funded limit of NPR ………….and non-
funded limit of NPR …………… Interest rate and other customary terms and conditions shall be further
discussed and agreed. However, a successful financial closure for debt financing is subject to a favorable
outcome of feasibility study, credit appraisal and successful terms and conditions negotiation, along with
adherence to NRB guidelines and Bank's Credit policy & manual.
Please be kindly advised that the above terms and conditions are our preliminary proposal. They are not
legally binding upon us, and are still subject to the internal appraisal and approval of our bank. ADBL is
solely responsible for explaining the meaning of this intent and reserves the right to any changes to it
wherever we think necessary.

Yours faithfully,

……………………..
Name of Employee
Designation
……………….Department * 403

403 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd cg';'rL yk

402 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
cg';'rL #!
=============================sfof{no============================
shf{ sfo{ljlwsf] bkmf #) ;Fu ;DalGwt
CAD OsfO{n] lng'kg]{ sfuhftx?sf] r]s ln:6 404

qm=;+= sfuhftsf] ljj/0f /x]sf] g/x]sf]

1 shf{ :jLs[lt k|:tfj -cg';"rL % jf !@_
2 shf{ ;'ljwf k|:tfj kq -cg';"rL !#_
3 shf{ ;'ljwf cfj]bg kmf/fd -cg';"rL %_
4 k|lt1fkq -cg';"rL @*_
5 vftf vr{ ug{ ;Sg] clVtof/L kq -cg';"rL @*_
6 hUufwgL btf{ k|df0fk'hf{
7 lwtf] b[li6aGws lnvt -cg';"rL @*_
8 kf/Lkf;' ;Demf}tf -cg';"rL @*_
9 dfnkf]t sfof{nosf] /f]Ssf kq
10 shf{ td;'s -cg';"rL @*_
11 JolQmut hdfgt -cg';"rL @*_
12 ;DalGwt :yfgLo lgsfoaf6 lnOPsf] gftf k|dfl0ft ;DaGwL sfuhft
13 aLdf ;DaGwL sfuhft
14 lwtf] d"Nof+sg ;DaGwL d'Vo d'Vo sfuhftx?
15 JolQmut u|fxs, k|f]k|fO6/, ;fem]bf/, ;+rfnssf] gful/stfsf] k|ltlnkL
16 /fhLgfdf, c+zj08f, js;kq ;DaGwL sfuhft -cfjZostf cg';f/_
17 sDkgLsf] k|aGwkq / lgodfjnL, ;+:yfsf] ljwfg, ;fem]bf/L ;Demf}tf

r]slni6 tof/ ug]{ sd{rf/Lsf]

gfdM kbM sf]8 g+=M b:tvtM ldltM

sfuhftx? ?h' ug]{ sd{rf/Lsf]

gfdM kb, sf]8 g+=M b:tvtM ldltM

404 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd cg';'rL yk

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 403

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_ cg';"rL #@

==========sfof{no===============
-shf{ sfo{ljlw, @)&# sf] bkmf ^^ ;Fu ;DalGwt_

shf{ ;fk6sf] juL{s/0f ;DaGwL Joj:yf 405

!= shf{ ;fk6sf] juL{s/0fM

a}+sn] k|jfx u/]sf] shf{ ;fk6sf] ;fFjf jf Aofh e'QmfgL x'g'kg]{ efvf gf3]sf] cjlwsf cfwf/df g]kfn
/fi6« a}+ssf] lgb]{zg adf]lhd ;Dk"0f{ shf{ ;fk6nfO{ b]xfo adf]lhd juL{s/0f ug'{ kg]{5M

-s_ ;lqmo shf{ (Performing Loan)M

;lqmo shf{df lgDgfg';f/sf c;n / ;"Id lgu/fgL shf{ kg]{ 5g\ .

!= c;n (Pass)M
-c_ efvf ggf3]sf / ! dlxgf;Dd efvf gf3]sf shf{÷;fk6,
-cf_ d'2tL /l;bsf] lwtf]df uPsf shf{ tyf ;fk6,
-O_ g]kfn ;/sf/sf] ;'/If0fkq tyf g]kfn /fi6« a}+s C0fkqsf] lwtf]df uPsf shf{ tyf ;fk6,
-O{_ kof{Kt ;'/If0f lnO{ k|lt u|fxs a9Ldf ?=!) nfv;Dd k|jfx ePsf] ;'grfFbL shf{ .
t/, cltl/Qm lwtf] ;'/If0f jfkt d'2tL /l;b jf g]kfn ;/sf/sf] ;'/If0fkq jf g]kfn /fi6«
a}+s C0fkq lwtf] /fvL shf{ k|jfx u/]df To:tf shf{ tyf ;fk6 / ?=!) nfveGbf a9Lsf]
;'grfFbL lwtf] shf{nfO{ eg] efvf gf3]sf] cfwf/df juL{s/0f ug'{ kg]{5 .

@= ;"Id lgu/fgL (Watch List)M

-c_ ! dlxgfb]lv tLg dlxgf;Dd efvf gf3]sf shf{÷;fk6
-cf_ gjLs/0f geO{ c:yfoL ?kdf a9Ldf () lbg;Dd e'QmfgL cjlw a9fO{Psf cNksfnLg jf
rfn' k'FhL shf{ .
-O_ cGo s'g} klg a}+s jf ljQLo ;+:yfdf lgis[o shf{df juL{s/0f ePsf] C0fLnfO{ k|jflxt
shf{ .
-O{_ ;fFjf / Aofh lgoldt ?kdf e'QmfgL ePtfklg nuftf/ b'O{ jif{b]lv v'b gf]S;fgLdf /x]sf]
jf g]6jy{ C0ffTds ePsf kmd{, sDkgL jf ;+:yfnfO{ k|jflxt shf{ . t/,
-s_ lgdf{0ffwLg cj:yfdf /x]sf kl/of]hgfnfO{ k|bfg ul/Psf shf{sf] xsdf kl/of]hgfn]
Jofj;flos pTkfbg z'? u/] kZrft\ @ k"0f{ cfly{s jif{sf] ljQLo ljj/0fsf]
cfwf/df dfq of] Joj:yf nfu" x'g]5 .
-v_ tf]lsPsf If]qdf k|jfx ePsf] shf{sf] xsdf o:tf] cjlwnfO{ # jif{ sfod ul/Psf]
5.
-p_ ?=! ca{ jf ;f] eGbf a9L /sdsf ;x–ljQLos/0f shf{df kl/0ft gePsf ax'a}+lsË shf{ .
-pm_ o; a}+sn] lg/LIf0f ubf{ C0fLsf] gub k|jfx tyf kl/of]hgf ;~rfngsf] cj:yf sdhf]/
ePsf] cfwf/df ;"Id lgu/fgLdf /fVg] egL lgb]{zg lbOPsf shf{ .
-C_ shf{ :jk'FhL cg'kft (Debt to Equity Ratio) *)M@) eGbf a9L x'g] u/L k|jfx ePsf shf{ .
-P_ o; a}+sn] tf]s] adf]lhdsf] C0f e'QmfgL cfDbfgL cg'kft sfod gu/]sf shf{ .

405 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd cg';'rL yk

404 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#

 s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_

-v_ lgis[o shf{ (Non-Performing Loan)M

lgis[o shf{nfO{ lgDgfg';f/sf juL{s/0f ug'{ kg]{5M
-!_ sd;n (Sub-standard)M # dlxgfb]lv ^ dlxgf;Dd efvf gf3]sf shf{÷;fk6 .
-@_ z+sf:kb (Doubtful)M ^ dlxgfb]lv a9Ldf ! jif{;Dd efvf gf3]sf shf{÷;fk6 .
-#_ v/fa (Loss)M ! jif{eGbf a9L cjlwn] efvf gf3]sf shf{÷;fk6 .
-$_ k'g/tflnsLs/0f÷k'g/;+/rgf ul/Psf shf{

@= c;n shf{ ;DaGwL yk Joj:yfM

a9Ldf Ps jif{;Dd e'QmfgL cjlw ePsf] rfn' k'FhL shf{nfO{ gjLs/0f ubf{ c;n shf{df ;dfj]z
ug{ ;lsg] 5 . a}+sn] C0fLsf] shf{ ltg{ ;Sg] Ifdtf, efjL gub k|jfx, cfDbfgLsf] ;|f]t h:tf
shf{ k|jfxsf Go"gtd cfwf/x?sf] ljZn]if0f kZrft shf{ ;b'kof]usf] ;'lglZrttf x'g] u/L dfq
shf{ gjLs/0f ug'{ kg]{5 .

#= v/fa shf{ ;DaGwL yk Joj:yfM

efvf gf3]sf] jf ggf3]sf] s'g} klg shf{df b]xfosf] s'g} s}lkmot b]lvPdf To:tf] shf{ tyf
;fk6nfO{ v/fa shf{df juL{s/0f ug'{ kg]{5M
-s_ C0fL 6f6 kN6]df jf 6f6 kN6]sf] 3f]if0ff ePdf,
-v_ C0fL a]kQf ePdf jf () lbg;Dd ;Dks{df gcfPdf,
-u_ shf{ b'?kof]u ePdf,
-3_ kl/of]hgf÷Joj;fo ;~rfng x'g] cj:yf g/x]df, kl/of]hgf jf Joj;fo ;~rfngdf gePdf,
-ª_ k|tLtkq, hdfgt tyf cGo ;Defljt bfloTjx? kmf];{ nf]g -Force Loan_ sf] ?kdf sf]ifdf
cfwfl/t shf{df kl/0ft ePsf] cj:yfdf To;/L shf{df kl/0ft ePsf] ldltn] () lbg;Dd c;"nL
gePdf,
-r_ shf{ c;'n x'g g;sL lnnfdL k|lqmof z'? ePsf] !*) lbg gf3]df jf c;'nL k|lqmof cGtu{t
cbfntdf d'2f rln/x]sf] cj:yfdf,
-5_ shf{ ;"rgf s]Gb|sf] sfnf];"rLdf sfod /x]sf C0fLnfO{ gofF jf yk shf{ k|bfg u/]sf] cj:yfdf,
-h_ ;'/If0fsf] ahf/ d"Non] shf{sf] ;'/If0f x'g g;Sg] ePdf,
-em_ vl/b jf l8:sfpG6 u/]sf] laN;sf] e'QmfgL ldlt -Due date_ n] () lbg;Dd c;'nL gePdf,
-`_ s'g} JolQm÷kmd{÷sDkgLsf] gfddf /x]sf] shf{ csf]{ JolQm÷kmd{÷sDkgLn] pkef]u u/]sf] cj:yfdf,
t/ Pp6} ;d"xdf kg]{ kmd{÷sDkgLsf] xsdf s'n ;Ldf sfod ug{ afwf k'Ug] 5}g,
-6_ l6=cf/=shf{ (Trust Receipt Loan) e'QmfgL ug]{ k|of]hgsf] nflu k|tLtkq vf]Nbfsf avt pNn]v
gul/Psf] cGo s'g} gofF shf{ :jLs[t u/L k|jfx ePdf .
-7_ Credit Card shf{ efvf gf3]sf] ldltn] () lbgleq ckn]vg gePdf .
-8_ C0fLn] Pp6} ldlt jf cjlwsf] cnu cnu ljQLo ljj/0f k]z u/]sf] cj:yfdf .
-9_ a}+s tyf ljQLo ;+:yfaf6 shf{ lnO{ ;Da4 JolQm jf ;+:yfnfO{ shf{÷;fk6 k|bfg u/]df .

$= shf{ ;fk6sf] juL{s/0f ;DaGwL cGo Joj:yf g]kfn /fi6« a}+sn] ;do ;dodf tf]s] adf]lhd x'g]5 .

s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&# 405

 cg';"rL ##
s[lif ljsf; a}+s ln=
-g]kfn /fi6« a}+saf6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf_
==========sfof{no===============
-shf{ sfo{ljlw, @)&# sf] bkmf %( ;Fu ;DalGwt_
lgdf{0f x'g] kl/of]hgf g} lwtf]] /xg] u/L shf{ k|jfx ubf{ k|of]u ul/g] nfut k|dfl0fs/0f k|ltj]bgdf x'g' kg]{
Go"gtd ljj/0fx? 406
1. Minimum Information Required in Cost Certification Report
Budget
(revise Total Total Verified
S Partic
d Total Expenditure Total Advances Verified Expenditure Verified Advances Expenditure Expenditure
N ulars
on….... and Advance and Advance
.......)
Shift Shift Bud
Ope ed ed Shifted get
Shifted
ning from from to Bala
Addi To Ope Addi to Clos Ope Addi To Ope Addi Clos Ope Clos Ope Clos
Upto Ope Verif Verfied nce
tion tal ning tion Expen ing ning tion tal ning tion ing ning ing ning ing
……… ning ied Expen
diture
. Adva Adva diture
nce nce

Total

2. Summary Report of Expenditure and Loan:

SN Particulars Total Expenditure Total Unverified Total Verified
1 Total Expenditure
2 Total Advances
3 Total Expenditure and Advances (1+2)
4 Less: Adjustment (if any)
5 Total Verified Fund (3-4)
6 Required Equity
7 Required Debt
8 Less: Term loan already disbursed
9 Less: Bridge Gap Loan already disbursed (to be t/f to term loan)
10 Disbursable Amount (7-8-9)

3. Report on Equity
SN Particulars Amount
1 Paid Up capital
2 Less: Unverified Expenses and Advances
3 Eligible equity (1-2)
4 Required equity
5 Difference (3-4)

406 ldlt @)&&.!@.@% sf] ;~rfns ;ldltsf] lg0f{o adf]lhd cg';'rL yk

406 s[lif ljsf; a}+s ln=, shf{ sfo{ljlw, @)&#