af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf]...

82

Transcript of af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf]...

Page 1: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •
Page 2: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

af/alb{of uf}/jcfwf/e"t tx -sIff !–*_:yfgLo ljifosf] kf7\oj|md

@)&*

af/alb{of gu/kflnsfgu/ sfo{kflnsfsf] sfof{no

hogu/, alb{of

Page 3: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

;jf{lwsf/ k|sfzsdfM

k|d'v ;+/IfsM >L b'uf{axfb'/ yf? -slj/_ gu/ k|d'v

;+/IfsM>L c~h' blxt gu/ pkk|d'v

;Nnfxsf/M>L bz/y a'9f k|d'v k|zf;sLo clws[t>L a;GTfaxfb'/ zfxL n]vf clws[t>L lg/~hgs'df/ rf}w/L ;fdflhs ljsf; ;ldlt ;+of]hs

k|fljlws ;xof]uM>L o'j/fh clwsf/L kf7\oj|md ljsf; s]Gb|

kf7\oj|md lgdf{0f sfo{bnM >L 6]sk|;fb kf08] ;+of]hs>L kf]d/fh zdf{ ;b:o >L g/]zs'df/ rf}w/L ;b:o>L s'df/k|;fb ;fksf]6f ;b:o>L zf]ef cfrfo{ ;b:o>L s]zjaxfb'/ ;'gf/ ;b:o>L nlnt ;fksf]6f ;b:o>L hUu'k|;fb rf}w/L ;b:o>L Ps/fh kf}8]n ;b:o>L 6Lsfgfy uf];fO{ ;b:o–;lrj

sfo{bndf cfdlGqtM>L s/axfb'/ a:g]t >L af;'b]j pkfWofo>L gdf 1jfnL >L s]zj kf]v/]n

ljifoj:t' ;DkfbgM >L kf]d/fh zdf{ >L g/]zs'df/ rf}w/L >L s'df/k|;fb ;fksf]6f >L s/axfb'/ a:g]t >L nlnt ;fksf]6f

efiff ;DkfbgM >L k|s[lt clwsf/L>L kf]d/fh zdf{

cfj/0f l8hfOgM>L gu]Gb| e08f/L

Page 4: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

e"ldsf

g]kfnsf] ;+ljwfgn] lzIff ;DaGwL xsnfO{ df}lns clwsf/sf] ?kdf k|Tofe"t u/]sf] 5 . ljsf;sf] k"jf{wf/dWo] lzIff cGo k"jf{wf/ ljsf;sf] ;d]t cfwf/ xf] . ;dfh Pjd\ /fi6«sf] cfjZostfcg';f/sf] bIf / g}ltsjfg dfgj ;+;fwgsf] ljsf; u/L ;d[4 g]kfn, ;'vL g]kfnLsf] bL3{sfnLg ;f]r k"/f ug{ ;lsG5 . 1fg / k|ljlwdf cfwfl/t sfdsf] ;+;f/df cfGtl/s Pjd\ jfXo ;|f]t / ;fwg tyf cy{tGqsf ;xof]uL If]qsf] kl/rfng u/L ;dfh / b]zdf lbuf] zflGt, ;'zf;g, ljsf; / ;d[l4 xfl;n ug{ ;lsG5 . afnaflnsfnfO{ pgLx?sf] kl/j]z;Fu kl/lrt u/fpg tyf :yfgLo cfjZostfcg';f/sf] ;+:sf/;lxtsf] lzIff k|bfg ug{' clxn]sf] cfjZostf xf] . ;fdflhs Gofodf cfwfl/t ;dtfd"ns ;dfh lgdf{0fsf nflu afnaflnsfnfO{ pgLx?sf] ;dfh, ;+:sf/, ;:+s[lt, ;Dkbf, k|s[lt, efiff, snf / jftfj/0f;Fu kl/lrt eO{ ;dfhdf ;dfof]hg x'g] c;n gful/s tof/ ug{ :yfgLo cfjZostf cg';f/sf] kf7\oj|md / lzIff x'g' cfjZos x'G5 .

o; af/alb{of uf}/j gfds :yfgLo kf7\oj|md lgdf{0fsf qmddf /fli6«o kf7\oj|md k|f?k, @)&^ tyf :yfgLo kf7\oj|md ljsf; tyf sfof{Gjog dfu{bz{g, @)&^ n] lgwf{/0f u/]sf] dfkb08 / k|lqmofut r/0fnfO{ cg';/0f ul/Psf] 5 . kf7\oj|md lgdf{0fsf nflu gu/ lzIff ;ldltaf6 kf7\oj|md lgdf{0f sfo{bn u7g ul/Psf] lyof] . sfo{bnn] :yfgLo cfjZostfsf] klxrfg u/L ;f] vfsfdf gu/leqsf ljleGg ;/f]sf/jfnf;Fu b'O{ r/0fdf cGt/lqmof u/L /fo ;'emfj ;ª\sng ul/Psf] lyof] . ;fy} ;fdflhs ;~hfn, Od]ndfkm{t ;ldltn] /fo ;'emfj k|fKt u/]sf] lyof] .

z}lIfs ;q @)&* af6 sIff ! b]lv * ;Dd :yfgLo ljifosf] kf7\oj|md o; gu/kflnsfleqsf ;a} ;fd'bflos / ;+:yfut ljBfnox?df Ps} ;fy nfu' ul/g]5 . o; kf7\oj|mdn] Jofjxfl/s ljifoj:t' ;dfj]z u/]sf] 5 eg] l;sfO ;xhLs/0f k|lqmof;d]tnfO{ k|of]ufTds tyf kl/of]hgfdf cfwfl/t l;sfO ljlwsf] cjnDag ug'{kg]{ s'/fnfO{ hf]8 lbPsf] 5 . o; kf7\oj|mdsf] sfof{Gjogn] af/alb{of gu/kflnsfsf] ljljw kIfsf] af/]df ljBfyL{x?df 1fg, l;k, clej[lQ tyf d"No / sfo{ ug{;Sg] TfTk/tfsf] ljsf; u/L pgLx?df cfkm\gf] gu/kflnsfk|ltsf] dfof / k|]d hfu[t x'g] tyf o; If]qsf] ljljw kIfsf] ljsf;sf lglDt ;dfnf]rgfTds ;xof]u k|bfg ug]{ ck]Iff;d]t ul/Psf] 5 .

kf7\oj|md lgdf{0fdf cxf]/fq v6\g] sfo{bnsf ;b:ox?, /rgfTds tyf cd"No /fo ;'emfj k|bfg ug'{x'g] k|fljlws ;Nnfxsf/, cGt/lqmof sfo{qmddf ;lqmo ;fxefuL x'g] hgk|ltlglw, /fhgLlts bnsf k|ltlglw, lzIfs, ljBfyL{, cleefjs, lzIffk|]dL ;a}df wGojfb 1fkg ug{ rfxG5' . cGTodf kf7\oj|mdsf] k|efjsf/L sfof{Gjog u/L To; qmddf b]lvg] sdL sdhf]/L cf}+NofO{ lg/Gt/ kl/dfh{g / ;'wf/sf nflu k[i7kf]if0f k|bfg ul/lbgx'g ;DalGwt ;a} ;/f]sf/jfnfdf gu/kflnsf xflb{s cg'/f]w ub{5 .

b'uf{axfb'/ yf? -slj/_ gu/ k|d'v af/alb{of gu/kflnsf, alb{of

Page 5: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

ljifo ;"rL != kl/ro !

@= txut ;Ifdtf !

#= sIffut l;sfO pknlAw #

$= ljifoa:t'sf] If]q / qmd -sIff !–*_ (

%= ljifoj:t'sf] lj:t[tLs/0f, ;Defljt lzIf0f l;sfO lj|mofsnfk / d"Nofª\sg k|lqmof !%

^= ;Defljt kl/of]hgf tyf k|of]ufTds sfo{ %(

&= l;sfO ;xhLs/0f ljlw / k|lqmof ^@

*= ljBfyL{ d"Nofª\sg ^#

cg;"rL

cg;"rL – != ljBfyL{ d"Nofª\sg clen]vLs/0f kmf/fd ^&

cg;"rL – @= ljlzi6Ls/0f tflnsf -sIff *_ &^

Page 6: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

1cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

!=kl/ro

g]kfnsf] ;+ljwfgn] ljBfno txsf] lzIffnfO{ :yfgLo ;/sf/sf] sfo{If]qleq /fv]sf] 5 . lzIffnfO{ df}lns xssf ¿kdf

Joj:yf u/L z}lIfs clwsf/sf] lgIf]k0f / :yfgLos/0f dfkm{t alnof] z}lIfs hu lgdf{0fsf] dfu{ k|z:t u/]sf] 5 . !% cf}F+

of]hgfn] k/Dk/fut / :yfgLo 1fg, l;k / k|ljlwsf] ;+j4{g tyf ;+/If0f ub}{ j}1flgs vf]h Pjd\ cg';Gwfgaf6 k|ltkflbt

gjLgtd k|ljlwnfO{ d'n'ssf] ;du| ljsf; k|lqmofdf pkof]u ug]{ /0fgLlt to u/]sf] 5 . /fli6«o kf7\oj|md k|f¿k, @)&^

n] cfwf/e"t txdf Pp6f ljifosf ¿kdf :yfgLo ljifo jf dft[efiffsf] kf7\oj|md :yfgLo txn] tof/ u/L k7gkf7g

u/fpg'kg]{ Joj:yf u/]sf] 5 . ;ª\3Lo ;/sf/n] ;du| kf7\oj|md tyf k/LIff;DaGwL dfkb08, gLlt, u'0f:t/sf ;"rs /

a]Grdfs{ tof/ ug'{kg]{, k|b]z ;/sf/n] ;f] ;DaGwdf Ifdtf ljsf; / ;dGjo ug]{ tyf :yfgLo ;/sf/n] ;ª\3Lo gLltleq

/xL :yfgLo gLlt lgdf{0f / sfof{Gjog ug'{kg]{ Joj:yf 5 . To;}u/L lbuf] ljsf;sf nIo, @)#) sf] ;kmn sfof{Gjogsf

/fli6«o /0fgLltdf ;d]t :yfgLo Ifdtf, 1fg, l;k / k|ljlwnfO{ ;anLs/0f u/L u'0f:t/Lo lzIffsf] ;'lglZrttf ug{ ;lsg]

s'/f pNn]v ul/Psf] 5 .

of] kf7\oj|md /fli6«o kf7\oj|md k|f¿k, @)&^ / :yfgLo kf7\oj|md ljsf; tyf sfof{Gjog dfu{bz{g -dft[efiff;lxt_,

@)&^ n] lglb{i6 u/]sf k|fjwfgnfO{ Wofg lbO{ ljsf; ul/Psf] 5 . of] kf7\oj|md lgdf{0fsf] d'Vo p2]Zo :yfgLo ljifoj:t',

:yfgLo cfjZostf klxrfg u/L :yfgLo ;xeflutf / lj1tfsf] ;+nUgtfdf kf7\oj|md ljsf; ug]{, ljBfyL{x¿df :yfgLo

1fg, l;k, clej[lQsf] ljsf; ug]{, >dsf] ;Ddfg ug]{ efjgfsf] ljsf;sf] ;fy} :yfgLo k];f, Joj;fo, k|ljlw, d"No

dfGotf, jftfj/0f ;+/If0f tyf k|j4{g ug]{ /x]sf] 5 . o;sf nflu k|f/lDes sIffb]lv g} :yfgLo kl/j]z;Fu kl/lrt

u/fpgsf nflu :yfgLo kf7\oj|mdsf] dxTjk"0f{ e"ldsf x'G5 . :yfgLo 1fg, l;k, k|ljlw, ;+:s[lt, k|s[lt, ;+:sf/, snf, efiff,

;flxTosf] ;+j4{g / ;anLs/0faf6 dfq cGt/f{li6«o ¿kdf k|lt:kwf{ ug{ ;Sg] ;f]r, Ifdtf ljsf; / j:t' pTkfbg ug{

;lsg] tYonfO{ b[li6ut u/L :yfgLo kf7\oj|mdsf] cjwf/0ffnfO{ cufl8 ;fl/Psf] 5 . o; kf7\oj|mddf ljz]iftM af/alb{ofsf]

kl/ro, gS;fª\sg / Oltxf;, gu/kflnsfsf] u7g, ;]jf k|jfx / gu/sf uf}/j cfof]hgfx¿, gu/leqsf] /Lltl/jfh,

;+:sf/ / ;+:s[lt, :yfgLo wfld{s / ko{6sLo :ynx¿, :yfgLo k/Dk/fut k];f, Joj;fo / k|ljlw, ;ª\qmfds /f]ux¿,

:yfgLo k|sf]k / hf]lvdsf] klxrfg tyf Joj:yfkg h:tf kIfx¿ ;dfj]z ul/Psf 5g\ . u/]/ l;Sg] k4ltdf cfwfl/t

eO{ l;sfO ;xhLs/0f ug]{ / ljBfyL{x¿nfO{ pgLx¿n] ljleGg dfWodaf6 k|fKt 1fg, l;k / clej[lQnfO{ ljBfno tyf

;d'bfodf k|of]u ug]{ vfnsf lqmofsnfknfO{ hf]8 lbPsf] 5 .

@= txut ;Ifdtf

-s_ sIff M !–# sf ;Ifdtf

!= ufpF, j8f / af/alb{of gukflnsfsf]] ;fdfGo kl/ro

@= :yfgLo k|fs[lts ;|f]t tyf ;Dkbf / ko{6sLo :ynsf] klxrfg

#= eflifs tyf ;+f:s[lts ;r]tgf ljsf; / ;fdflhs lzi6frf/ tyf lgodx¿sf] kfngf

$= :yfgLo k/Dk/fut k];f, Joj;fo / k|ljlw;Fu kl/lrt

%= JolQmut ;/;kmfO, Jofofd / :yfgLo v]n;Fu ;dfof]hg

^= :yfgLo k|sf]k;Fu kl/lrt

Page 7: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

2 cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

&= :yfgLo JolStTj / g]t[Tjsf] lrgf/L tyf ;fdflhs ;d"xsf] klxrfg / of]ubfg

-v_ sIff $–% sf ;Ifdtf

!= af/alb{ofsf] ;+lIfKt kl/ro, gS;fª\sg / cj:yf klxrfg

@= :yfgLo wfld{s, ;f+:s[lts tyf ko{6sLo :ynsf] kl/ro / dxTj af]w

#= :yfgLo k/Dk/fut k];f, Joj;fo / k|ljlwk|lt ;Ddfg tyf l;ksf] cEof;

$= :jf:Yo, ;/;kmfO, Jofofd / k|f0ffofd cEof;

%= :yfgLo k|sf]k / hf]lvdsf If]qx¿sf] klxrfg tyf xl/t ljBfnosf] cjwf/0ff;Fu kl/lrt / lgdf{0fdf ;xeflutf

^= hLjgf]kof]uL l;k / dfgj d"Nosf lqmofsnfksf] kl/ro / dxTj af]w Pjd\ cEof;

&= :yfgLo ;fdflhs ;+:yfx¿ / Vofltk|fKt JolStsf] ;fdfGo lrgf/L

-u_ sIff ^–* sf ;Ifdtf

!= af/alb{ofsf] ;+lIfKt kl/ro, gS;fª\sg / Oltxf;sf] hfgsf/L

@= gu/kflnsfsf] u7g, ;]jf k|jfx / gu/sf uf}/j cfof]hgfx¿sf] klxrfg

#= gu/leqsf] /Lltl/jfh, ;+:sf/ / ;+:s[ltsf] vf]hL, klxrfg / ;+/If0f

$= :yfgLo wfld{s tyf ko{6sLo :ynx¿sf] vf]h, klxrfg / ;+/If0fdf tTk/tf

%= :yfgLo k/Dk/fut k];f, Joj;fo / k|ljlwsf] kl/ro, dxTj, ;Defjgf / l;ksf] cEof;

^= l;sn;]n nufot ;ª\qmfds /f]uk|lt ;hu / ;r]tgf k|jfx

&= :yfgLo k|sf]k / hf]lvd Joj:yfkgsf] cjwf/0ff af]w / Joj:yfkgdf ;xof]u

Page 8: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

3cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

#= sIffut l;sfO pknlAwsIff !-#

If]q÷lyd sIff ! sIff @ sIff #!= xfd|f] af/alb{of

• cfˆgf] kl/jf/ tyf cfkm" a;]sf] ufpF6f]nsf] gfd eGg

• cfˆgf] ufpF6f]nsf] jl/kl/sf] ufpF6f]nsf] gfd eGg

• cfˆgf ufpF j/k/ /x]sf] gbL, vf]nf / af6fsf] gfd eGg

• cfkm" k9g] ljBfno / l5d]sL ljBfnosf] gfd eGg

• xfd|f] ufFp6f]ndf /x]sf] wfld{s :ynsf] gfd eGg

• cfˆgf] 3/ glhs} /x]sf ahf/ -lsgd]n ug]{ 7fpF_ eGg

• cfˆgf] ufpF6f]nsf] :jf:Yo :jo+ ;]ljsfsf] gfd eGg / lrGg

• cfkm" a:g] j8f gDa/ / j8f sfof{nosf] 7]ufgf eGg

• af/alb{of gu/kflnsfsf] gfd, gu/ sfo{kflnsf /x]sf] 7]ufgf / :yfkgf ePsf] ;fn eGg

• alb{of lhNnfsf] gS;fdf af/alb{of gu/kflnsf 5'6\ofpg

• cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg

• cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg

• ufpF6f]n glhs /x]sf :jf:Yo k|bfos ;+:yf, lSnlgssf] gfd / 7]ufgf eGg

• af/alb{of gu/kflnsfsf] ef}uf]lns cj:yfsf] ;fdfGo hfgsf/L lbg

• n'lDagL k|b]zsf] gS;fdf af/alb{of gu/kflnsf 5'6\ofpg

• gu/leqsf d'Vo d'Vo ;8sx¿sf] gfd / cjl:ylt eGg

• cfˆgf] j8fleq /x]sf ;fd'bflos jgx¿sf] gfd / ltgLx¿sf] dxTj eGg

• gu/kflnsfleq /x]sf] d'Vo tfn / ltgLx¿sf] cjl:ylt eGg

• cfkm" a;f]af; ug]{ j8fsf j8f cWoIf / ;b:ox¿sf] gfd eGg

• cfkm" a;f]af; ug]{ j8fleq /x]sf :jf:Yo k|bfos ;+:yf, lSnlgssf] gfd / 7]ufgf eGg

@=xfd|f] ;+:sf/ / ;+:s[lt

• cfk\mgf] ufpF6f]ndf a;f]af; ug]{ hfthfltsf] gfd eGg

• ufpF6f]nsf hfthflt larsf] ;f+:s[lts leGgtf af/] ;fdfGo hfgsf/L a6'Ng .

• ufFp6f]ndf af]lng] d'Vo efiffx¿ klxrfg ug{

• yf¿hfltsf kf];fsx¿sf] gfd eGg / nufpg] tl/sf eGg

• yf¿hfltsf uxgfsf] gfd eGg 3/df agfO{g] vfgfsf kl/sf/x¿sf] gfd eGg

• :yfgLo nf]s afhfx¿ klxrfg ug{

• :yfgLo nf]suLtx¿ klxrfg ug{ / ;fdfGo ufpg] cEof; ug{

• j8f leqsf hfthfltsf] y/ eGg

• cfkm" / cfˆgf] ;fyLn] af]Ng] efiffdf kl/lrt x'g\

• j8fleq af]lng] efiffx¿ eGg

• j8fleqsf hfthfltn] nufpg] kf];fs klxrfg ug{

• :yfgLo e]ife"iffsf] kl/ro lbg• :yfgLo rf8kj{sf] gfd eGg

/ dgfpg] hflt eGg • :yfgLo nf]suLt ufpg]

hfthfltsf] klxrfg ug{ / tL hfthfltn] ufpg] d'Vo nf]suLtx¿ ufpg] cEof; ug{

• :yfgLo nf]safhfdWo] s''g} d'Vo Ps afhf ahfpg] cEof; ug{

• gu/leqsf hfthflt klxrfg ug{• gu/leq af]lng] efiffx¿ klxrfg ug{• gu/leqsf hfthfltn] nufpg] kf];fs

klxrfg ug{ • :yfgLo hfltn] ug]{ k"hf -s'nk"hf_x¿sf]

kl/ro lbg / dxTj eGg • :yfgLo nf]suLt ufpg] cEof; ug{• :yfgLo nf]safhf -dfbn, v}Fh8L_ ahfpg]

cEof; ug{• :yfgLo nf]s g[Tosf] klxrfg ug{• s'g} Ps :yfgLo nf]suLtdf g[To cEof;

ug{

#= xfd|f :yfgLo k];f, Joj;fo,

ko{6g / cfly{s

lqmofsnfk

• cfˆgf cleefjsn] ug]{ d'Vo sfdsf] gfd eGg

• cfˆgf] 3/df jif{el/ pTkfbg x'g] afnLsf] gfd eGg

• ufpF6f]ndf 3'Dg nfos :yfgsf] gfd eGg

• 3/df pTkfbg ePsf j:t'x¿ laqmL ug]{ :yfg klxrfg ug{

• ufpF6f]nsf JolQmx¿n] ug]{ d'Vo k];f tyf Joj;fosf] gfd eGg

• cfˆgf] 3/df jif{el/ pTkfbg ug{ ;lsg] t/sf/L tyf kmnkm"nsf] gfd eGg / ;fdfGo lrq sf]g{

• j8fdf 3'Dg nfos :yfgx¿sf] gfd eGg

• b}lgs lsgd]n ug]{ :yfgsf] gfd eGg / ;fdfg ljj/0f eGg

• ufFp6f]ndf k|rlnt x:tsnfsf ;fdu|L klxrfg ug{

• :yfgLo:t/df pTkfbg x'g] df};dcg';f/sf] t/sf/L / kmnkm"n klxrfg ug{ tyf ltgsf] dxTj eGg

• gu/leq 3'Dg nfos :yfgx¿ klxrfg ug{ / ltgsf] ;fdfGo ljj/0f eGg

• ufpF3/df pTkflbt j:t'x¿ laqmL ug]{ :yfgsf] kl/ro lbg

Page 9: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

4 cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

If]q÷lyd sIff ! sIff @ sIff #$= :jf:Yo /

v]ns'b• z/L/sf cª\usf] ;/;kmfO ug{ • JolQmut ;/;kmfOsf] nflu

cfjZos ;fdUf|Lsf] gfd eGg• ;/;kmfO ug'{kg]{ :yfgsf] ;"rL

agfpg• cfˆgf] / 3/sf] ;/;kmfOsf]

ug'{kg]{ sf/0f eGg / ;/;kmfOdf ;xefuL x'g

• :yfgLo v]nx¿ klxrfg ug{ / v]Ng] cEof; ug{

• cfˆgf] z/L/sf] ;/;kmfO ug{• JolSt ;/;kmfOsf] dxTj

eGg• b}lgs¿kdf ul/g]

;/;kmfOsf] :f"rL agfpg• 3/ tyf ljBfnosf]

;/;kmfOdf ;xefuL x'g• :yfgLo v]n v]Ng] cEof;

ug{ / dxTj eGg

• :j:y z/L/sf] nflu cfjZos kg]{ tTjx¿ klxrfg ug{

• ;/;kmfO ubf{ x'g] kmfObf / gubf{ x'g] c;/x¿ klxrfg ug{

• cfˆgf] j/k/sf] jftfj/0fsf] ;/;kmfOdf ;xefuL x'g

• ef]hgsf] wf/0ff eGg• :yfgLo v]nx¿ v]Ng] cEof; ug{ / v]n

v]Nbf x'g] kmfObf klxrfg ug{

%= ljkb\ Joj:yfkg, jftfj/0f /

xl/t ljBfno

• :yfgLo:t/df x'g;Sg] ljkb\ klxrfg ug{ -af9L, cfunfuL_

•3/ tyf :yfgLo:t/df kflng] 3/kfn'jf hgfj/x¿sf] gfd eGg

•3/ tyf ljBfnosf] afn au}Frfdf ePsf la?jfx¿sf] klxrfg ug{

• :yfgLo If]qdf kfOg] af]6lj?jfsf] gfd eGg

•3/ tyf ljBfnodf ul/g] j[If/f]k0fdf ;xof]u ug{

•3/ tyf ljBfnodf ePsf af]6la?jfsf] ;+/If0fdf ;xof]u ug{

• km"naf/L] tyf af]6la?jfsf] x]/rfx ug{

• :yfgLo If]qdf ePsf kfgLsf ;|f]tsf] gfd eGg

• JolStut, 3/, cfFug, ljBfno, jl/kl/sf] jftfj/0fsf] ;/;kmfOdf ;xefuL x'g

• kmf]xf]/d}nfsf] klxrfg ug{

•af9L / cfunfuLsf] kl/ro lbg

•j8fleqsf jgdf kfOg] jGohGt' / r/fsf] gfd eGg

• :yfgLo If]qdf kfOg] af]6la?jfsf] juL{s/0f ug{

•au}Frfsf] kl/ro lbg•3/ / ljBfnodf j[If/f]k0fdf ;xefuL x'g

•af]6la?jfsf] ;+/If0fdf ;xof]u ug{

•j8fdf ePsf hn;|f]tsf] kl/ro lbg

• JolStut, 3/, cfFug, ljBfno, jl/kl/sf] jftfj/0fsf] ;/;kmfOdf ;xefuL x'g

•j/k/sf] jftfj/0f kmf]xf]/ x'g] sf/0f klxrfg ug{

• kmf]xf]/d}nfsf] kl/ro / k|sf/ -s'lxg] / gs'lxg]_ eGg

•af9L / cfunfuL x'g] sf/0f eGg•gu/kflnsfsf jgdf kfOg] jGohGt' / r/f klxrfg ug{

• :yfgLo af]6la?jfsf] kl/ro lbg• :yfgLo Aff]6lj?jfsf] dxTj tyf pkof]u eGg

• ljBfnodf au}Frfsf] cfjZostf / dxTj eGg

•3/ / ljBfnodf afn au}Frfsf] lgdf{0fdf ;xof]u / x]/rfx ug{

•3/ / ljBfnodf hn;|f]tsf] pkof]u ug]{ tl/sf eGg / ;b'kof]u ug{

• kmf]xf]/d}nf Joj:yfkgsf] kl/ro lbg• ljBfnodf kmf]xf]/d}nfsf] juL{s/0f / Joj:yfkg -s'lxg], gs'lxg] / t/n_df ;xof]u ug{

•3/, 5/l5d]s, ljBfno tyf ;d'bfosf] ;/;kmfOdf ;xefuL x'g

•j/k/sf] jftfj/0f ;kmf /fVg] pkfox¿ klxrfg / ;/;kmfO sfo{df ;xefuL x'g

^= hLjg pkof]uL l;k / dfgj d"Nodf cfwfl/t lzIff

• ;d"xdf ldn]/ a:g• ;fyL / 3/ kl/jf/sf

;b:onfO{ ;fdfGo ;xof]u ug{• :jJoj:yfkg l;ksf] ljsf;

ug{

• cleefjs, lzIfs / dfGohgk|lt gd| Jojxf/ / ;Ddfg JoQm ug{

• 3/ tyf ljBfnodf cg'zf;g / cfr/0fsf] kfngf ug{

• cfkm"n] hfg]sf s'/fsf] ;~rf/ ug{

• c¿k|lt bof, dfof, s?0ffsf] efj k|s6 ug]{ l;ksf] ljsf; ug{

• cfTdlge{/ x'g] afgLsf] ljsf; ug{• ;xof]ufTds tyf ;xsfof{Tds l;ksf]

k|of]u ug{

&= :yfgLo JolSTfTj / ;fdflhs ;+:yfx¿

• cfˆgf] 6f]n / ;d'bfosf] g]t[Tj ug]{ JolStsf] klxrfg ug{

• :yfgLo ;fdflhs ;+:yfx¿sf] klxrfg ug{

• cfˆgf] ljBfnosf] 5f]6f] kl/ro lbg

• cfˆgf] 6f]n / ;d'bfosf] g]t[Tj ug]{ JolStsf] kl/ro lbg

• ufpFsf] d"n a/3/sf] lrgf/L lbg

• lj=Jo=;= cWoIfsf] kl/ro lbg• ;fd'bflos jg pkef]Qmf

;d"xsf] kl/ro lbg

• cfˆgf] 6f]n / ;d'bfosf] g]t[Tj ug]{ JolStsf] of]ubfg eGg

• j8f cWoIf / ;b:ox¿sf] gfd eGg• j8fleq ;~rflnt :jf:Yo ;+:yfsf

;]jfx¿sf] hfgsf/L k|fKt ug{• ufpFleq /x]sf cfdf ;d"x tyf afn

Snasf] klxrfg ug{ / kl/ro lbg

Page 10: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

5cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

sIff $-%If]q÷PsfO sIff $ sIff %!= xfd|f] af/alb{of

• af/alb{ofsf] ef}uflns cj:yf -l;dfgf, If]qkmn_ eGg • gu/kflnsfleqsf j8fx¿sf] ;ª\Vof, j8f

sfof{nox¿sf] 7]ufgf eGg• gu/kflnsfleqsf] hg;ª\Vof -dlxnf / k'?ifsf]_

tYofª\s eGg• gu/kflnsfleqsf d'Vo af6f3f6f klxrfg ug{• gu/kflnsfleq x'g] cfly{s lqmofsnfksf] ;"rL tof/

ug{

• gu/kflnsfsf] gfds/0fsf] hfgsf/L lbg• cfkm" a:g] j8fsf] gS;f sf]g{ / gS;fdf d'Vo d'Vo :yfg

b]vfpg• gu/kflnsfleq j8fcg';f/sf] 3/w'/L ;ª\Vof / k]zfut

ljj/0f eGg• gu/kflnsfleqsf j8fcg';f/sf] hg;ª\Vof -dlxnf / k'?if_

eGg• gu/kflnsfsf] cfo;|f]t klxrfg ug{

@= xfd|f] ;fdflhs / ;+f:s[lts ;Dkbf

• cfˆgf gft]bf/x¿sf] gfd, 7]ufg / /Lltl/jfh eGg• ;fdflhs lzi6frf/ tyf lgodx¿sf] kfngf ug{ • cfkm"n] dgfpg] rf8kj{ -bz}F, df3L, ltxf/_ sf] kl/ro

lbg • cfkm"n] dgfpg] rf8kj{sf] dxTj eGg • df3L d]nfsf] kl/ro lbg • ;d'bfodf k|rlnt nf]suLt ufpg] cEof; ug{• :yfgLo:t/df k|rlnt s'g} Ps nf]safhf tfndf

ahfpg• ;d'bfodf k|rlnt uLtdf xfpefp;lxt nf]s g[To ug{• gu/kflnsfleqsf] ;fdflhs, ;f+:s[lts, wfld{s tyf

hfltut cj:yfsf] kl/ro lbg

• gu/kflnsfleqsf ;d'bfosf] k|rlnt /Lltl/jfh / k/Dk/fsf] dxTj eGg .

• cfˆgf] ;d'bfosf] hGd tyf d[To' ;+:sf/sf] kl/ro lbg• j|taGw, k'6 ax|fp ug]{ tl/sf / dxTj eGg• ljjfx ;+:sf/sf] kl/ro lbg / dxTj eGg• kbgfxf d]nfsf] P]ltxfl;s dxTjsf] 5f]6f] hfgsf/L lbg• s[i0fci6dL, ctjf/L / cgQ/ j|tsf] kl/ro tyf dxTj eGg• :yfgLo:t/df k|rlnt d'Vo nf]suLtdf xfpefp;lxt

ufpg / g[To ug{• :yfgLo k|rlnt s'g} b'O{ nf]safhf ahfpg] cEof; ug{• gu/kflnsfleqsf] ;fdflhs, ;f+:s[lts, wfld{s tyf

hfltut cj:yfsf] dxTj eGg

#= xfd|f :yfgLo k];f, Joj;fo, ko{6g / cfly{s

lqmofsnfk

• :yfgLo:t/df lgld{t x:tsnfsf ;fdu|Lsf gfd / lgdf{0fsf nflu cfjZos ;fdu|L tyf k|of]hg eGg -8f]SgL, k}jf, ef}sf, hfn, 8f]sf], 9lsof_

• :yfgLo k/Dk/fut k|ljlwsf] kl/ro lbg -l9sL, hfFtf], sf]n_

• 3/ tyf :yfgLo ;d'bfodf pTkfbg x'g] s[lifhGo pTkfbgsf] klxrfg ug{

• 3/ tyf ;d'bfodf pTkfbg ePsf j:t'sf] ahf/Ls/0f ug]{ tl/sf;Fu kl/lrt x'g

• j8fleqsf wfld{s :ynx¿sf] ;fdfGo kl/ro lbg .

• gu/leqsf ko{6sLo :ynx¿sf] kl/ro lbg -;tvn'jf tfn, ;bflzj dlGb/_

• gu/kflnsfleqsf s[lif ks]6 If]qx¿sf] kl/ro lbg • gu/kflnsfleqsf Jofkfl/s s]Gb|x¿ / ljleGg ;fdu|L

vl/b ug]{ :ynx¿sf] kl/ro lbg • df};dL / a]df};dL t/sf/L v]tLsf] kl/ro lbg tyf v]tL

ug]{ sfo{df ;xefuL x'g• gu/kflnsfleq pTkfbg x'g] gub] afnLsf] kl/ro lbg /

k|of]u eGg• xfd|f gu/leqsf wfld{s :ynx¿sf] ;+lIfKt kl/ro lbg . • k/Dk/fut x:tsnf agfpg] ;Lkx¿ -9lsof, r'pbL, 8]nLof,

nl8of, sf]n, x]Nsf_sf] cEof; ug{ $= :jf:Yo /

v]ns'b• :j:y / c:j:y ef]hg klxrfg ug{ / leGgtf

5'6\ofpg• :j:ys/ vfgf k|of]u ug]{ tl/sf eGg / k|of]u ug{• ;xL lsl;dn] p7\g], a:g] / ;'Tg] tl/sf eGg tyf

cEof; ug{• of]u -;"o{ gd:sf/_ cEof;

• Kf|fs[lts vfgf / s[lqd vfgfsf] klxrfg ug{ pko'St vfgfsf] ;]jg ug{

• ljBfnodf NofOg]÷vfOg] :j:ys/ vfhf klxrfg ug{ • ljBfnodf :j:y vfhf vfg• of]usf] dxTj eGg / of]ufEof;–skfneflt, cg'nf]d

ljnf]d_ ug{%= ljkb\ Joj:yfkg, jftfj/0f / xl/t ljBfno

•af9L / cfunfuLaf6 x'g] c;/ eGg•gu/kflnsfleqsf jgdf kfOg] jGohGt' / r/fsf] kl/ro lbg tyf dxTj eGg

•j8fsf] jgdf kfOg] cf}iflwhGo jg:kltsf] gfd eGg• ljBfnodf afn au}Frf / j[Iff/f]k0fdf ;xefuL x'g•jftfj/0f / ljsf;sf] kl/ro lbg•gu/kflnsf If]qdf ePsf hn;|f]tsf] kl/ro lbg, pkof]u eGg / cfjZostfcg';f/ k|of]u ug{

• kmf]xf]/d}nfn] :yfgLo:t/df kf/]sf] c;/ klxrfg ug{•jftfj/0f k|b"if0fsf] :yfgLo cj:yfsf] klxrfg ug{

•af9L / cfunfuLaf6 aRg] pkfo klxrfg ug{ tyf cjnDag ug{

•gu/kflnsf If]qdf kfOg] cf}iflwhGo jg:kltx¿sf] pkof]u / dxTj j0f{g ug{

• ljBfno tyf 3/df :yfgLo cf}iflwhGo jg:klt / kmnkm"n au}Frfsf] lgdf{0fdf ;xefuL x'g

•gu/kflnsf If]qdf kfOg] jg:klt / hLjhGt'sf] ;+/If0fdf ljBfyL{, ljBfno, ;d'bfosf] e"ldsf klxrfg ug{ / cjnDag ug{

•gu/kflnsf If]qdf hn;|f]tsf] k|b"if0fsf sf/0f / c;/x¿ klxrfg ug{

Page 11: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

6 cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

If]q÷PsfO sIff $ sIff %• kmf]xf]/d}nfsf] juL{s/0f -7f];, t/n / UofF;_ / Joj:yfkgdf ;xof]u ug{

•3/ / ljBfnodf pkof]u x'g] phf{sf] kl/ro lbg•jftfj/0f ;+/If0fsf] kl/ro lbg• ljBfno tyf :yfgLo If]qdf kmf]xf]/d}nfsf] Joj:yfkgsf pkfosf] vf]hL u/L cjnDag ug{

^= hLjg pkof]uL

l;k / dfgj d"Nodf cfwfl/t lzIff

• ;dfhsf c;n dflg;x¿n] u/]sf sfo{x¿ klxrfg ug{ / pSt sfo{sf] cg's/0f ug]{ l;k / cfr/0fsf] cEof; ug{

• ;dfhsf] c;n gful/s x'gsf nflu cfjZos kg]{ l;kx¿ klxrfg ug{ / l;k ljsf;sf] cEof; ug{

• hLjgdf nIo ls6fg u/L cl3 a9\g] l;k / afgLsf] cEof; ug{ .

• lhNnfleqsf c;n dflg;x¿n] u/]sf sfo{x¿ klxrfg ug{ / pSt sfo{sf] cg's/0f ug]{ l;k / cfr/0fsf] ljsf; ug{

• kl/jf/ / ;dfhsf] lhDd]jf/ ;b:o x'gsf nflu cfjZos kg]{ :jefj / cfr/0fsf] klxrfg tyf cEof; ug{

• cfkm";Fu ePsf ;Defjgfsf] :jd"Nofª\sg u/L ;xL nIosf ;fy cl3 a9\g] Ifdtfsf] cEof; ug{

&= :yfgLo JolStTj / ;fdflhs ;+:yfx¿

• cfˆgf] ljBfnosf] :yfkgf ug]{ JolQmTjx¿ -;+:yfks cWoIf / k|=c=_sf] kl/ro lbg

• j8fleq ;~rflnt z}lIfs ;+:yfx¿sf] kl/ro lbg• gu/leq ;~rflnt :jf:Yo ;+:yfx¿sf] ;fdfGo

kl/ro lbg / tL ;+:yfx¿af6 k|fKt x'g] ;]jfx¿;Fu kl/lrt x'g tyf ;]jf lng

• z}lIfs JolQmTj -:j= ;/f]h uf}td / zf]efs/ zdf{sf] hLjgL_ eGg / To;af6 lzIff u|x0f ug{

• gu/leq ;~rfng ePsf] klxnf] z}lIfs ;+:yf :yfkgf ug]{ JolQmTjsf] kl/ro lbg -g]=/f=k|f=lj= a]NjfaHhf_

• gu/leqsf d'Vo ;xsf/L ;+:yfx¿ -;blzj art ;xsf/L ;+:yf, hgsNof0f b'Uw ;xsf/L ;+:yf / phf{zLn ;xsf/L ;+:yf_sf] 5f]6f] kl/ro lbg

• gu/kflnsfleqsf ljQLo ;+:yf tyf ;xsf/L ;+:yfx¿sf] kl/ro lbg

• j8fleqsf] ;xsf/L ;+:yfn] ug]{ sfo{x¿ klxrfg ug{ • gu/leqsf :jf:Yo ;+:yfx¿af6 k|bfg ul/g] :jf:Yo

;]jfx¿sf k|sf/x¿ pNn]v ug{

sIffut l;sfO pknlAw -sIff ^-*_If]q÷PsfO sIff ^ sIff & sIff *

!= xfd|f] af/alb{of

• gu/kflnsfsf] gS;f sf]g{ / d'Vo d'Vo :yfgx¿ b]vfpg

• j8f sfof{noaf6 k|bfg ul/g] ;]jf ;'ljwfx¿sf] hfgsf/L k|fKt ug{

• j8f sfof{noaf6 afnaflnsfnfO{ k|bfg ug]{ ;]jf ;'ljwfsf] hfgsf/L lng

• gu/leq /x]sf ;'/Iff lgsfo / cjl:ylt yfxf kfpg ;fy} ltgn] k|bfg ug]{ ;]jf / ;]jf lng] tl/sf yfxf kfpg

• j8fn] lzIff, afnaflnsf tyf o'jfsf nflu to u/]sf sfo{qmdaf/] hfgsf/L xfl;n ug{

• gu/kflnsfsf hgk|ltlglwsf] gfd / kb eGg

• lhNnfsf] gS;f sf]g{ / cfˆgf] gu/kflnsf tyf cGo d'Vo d'Vo :yfg, gbL, wfld{s :yn b]vfpg

• gu/uf}/jsf cfof]hgfsf] kl/ro lbg

• gu/uf}/jsf cfof]hgfdWo] cfˆgf] ufpF tyf 6f]ndf ;~rflnt cfof]hgfsf] hfgsf/L lbg

• af/alb{of gu/kflnsfsf] z}lIfs cj:yf j0f{g ug{

• gu/kflnsfn] lzIff, afnaflnsf tyf o'jfsf nflu to u/]sf sfo{qmdaf/] hfgsf/L k|fKt ug{

• gu/kflnsfaf6 k|bfg ul/g] ;]jf ;'ljwfsf] af/]df eGg .

• gu/ sfo{kflnsf, Joj:yflksf / Goflos ;ldltsf] u7g k||lqmof eGg

• k|b]zsf] gS;f sf]g{ / cfˆgf] lhNnf, gu/kflnsf / d'Vo d'Vo :yfg / tYox¿ b]vfpg

• af/alb{ofsf] ljut / jt{dfg -sGb|f cfGbf]ng, dNn /fhfsf] e|d0f, df}hf ;~rfng, s'nfkfgLsf] Oltxf;, sGof /fhfsf] b/af/ -yfgkm]gf_, y'dgL, esf/L kmf]/, xl/x/ -ag3';|L_ hfgsf/L xfl;n ug{

• gu/;efsf] a}7s a:g] tl/sf sfd, st{Jo / clwsf/ eGg

• gu/ sfo{kflnsf, Joj:yflksf tyf Goflos ;ldltsf] sfd, st{Jo / clwsf/sf] hfgsf/L lng

• gu/kflnsfn] hf/L u/]sf] d'Vo P]g / lgodfjnLsf] ;+lIfKt hfgsf/L lbg-af/alb{of lzIff;DaGwL sfo{ljlw, a/3/ P]g, af/alb{of ljkb hf]lvd Go"gLs/0f tyf Joj:yfkg P]g, af/alb{of ;xsf/L P]g_

@= xfd|f] ;+:sf/ / ;+:s[lt

• yf¿x¿sf] e]ife"iff / rf8kj{sf] kl/ro lbg

• yf¿ hfltsf] /Lltl/jfh / wd{ ;+:s[ltsf] kl/ro lbg

• yf¿ hfltn] jif{el/ ug]{ k"hfkf7sf] ;+lIfKt kl/ro lbg

• /fhL / afbLsf] Oltxf;, e]ife"iff / rf8kj{sf] kl/ro lbg

• /fhL / afbLsf] /Lltl/jfh / wd{ ;+:s[ltsf] ;+lIfKt hfgsf/L lbg

• /fhL / afbLn] ufpg] nf]suLtx¿sf] cEof; ug{

• k/Dk/fut ;ª\u7g k|0ffnL–a/3/_ sf] kl/ro, sfd, dxTj / k|j4{gsf pkfo eGg

• afXd0f If]qLsf] ;+:sf/, ;+:s[ltsf] kl/ro, dxTj / k|j4{gsf pkfo eGg

• d'l:nd ;d'bfosf] ;+:sf/, ;+:s[ltsf] kl/ro, dxTj / k|j4{gsf pkfo eGg

Page 12: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

7cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

If]q÷PsfO sIff ^ sIff & sIff *

• yf¿ hfltn] ufpg] nf]suLt ufpg

• yf¿ hfltn] ahfpg] afhfsf] klxrfg ug{ / ahfpg

• yf¿ hfltsf] nf]sg[To k|b{zg ug{

• wfld{s :ynsf] kl/ro lbg -e}/j dlGb/, ;bflzj dlGb/, b]p7Gjf, djf{, km]gfklt, b]ptLaHo}, gfuyfg, jgb]jL_

• /fhL / afbLn] ahfpg] afhfsf] kl/ro lbg / ahfpg] cEof; ug{

• /fhL / afbLn] ug]{ nf]sg[Tosf] cEof; ug{

• xfd|f ;fdflhs ;d:of / ;dfwfgsf pkfo -sdn/L k|yf, afnL3/] k|yf, sd}of k|yf_ eGg

• c;n ;+:s[lt x:tfGt/0fsf pkfo eGg

#= xfd|f :yfgLo k];f,

Joj;fo, ko{6g / cfly{s

lqmofsnfk

• xf]d:6]sf] kl/ro lbg / o;sf] dxTj eGg -;tvn'jf / /Ddfk'/_

• s[lif -dl;gf wfg, a];f/, ds} cleofg, n;'g–Kofh ld;g_ / kz'kfng -pGgt e}F;L, afv|f, s'v'/f kfng_sf] kl/ro lbg

• af/alb{ofdf ko{6g Joj;fosf] ;Defjgf / k|j4{gsf pkfo eGg

• :yfgLo k/Dk/fut x:tsnfsf ;fdu|L lgdf{0f ug{ -8f]/L af6g], 8f]/Lsf k|sf/ / k|of]hg, xft] kª\vf_

• ;tvn'jf l;d;f/ If]q, s'De/ c8\8fkfs{, ;lxb kfs{, /fgLh?jf kfs{, aaO{ l;FrfO cfof]hgf, a=/f= lg= sf] kl/ro lbg / cfly{s dxTj klxrfg ug{

• :yfgLo s[lif pTkfbg -wfg k|zf]wg pBf]u, d;nf v]tL, s[lif pks/0f_ ljlw hfGg / Jojxf/df ptfg{

• :yfgLo aLp lahg ;+/If0f ug]{ tl/sf eGg / cjnDag ug{

• :yfgLo aLp lahg e08f/0fsf k/Dk/fut z}nLsf] klxrfg / cjnDag ug{

• :yfgLo k/Dk/fut x:tsnfsf ;fdu|Lx¿ lgdf{0f ug{ -;'Kkf], l56gL, a]/L{_

• k/Dk/fut k];f, Joj;fo / k|ljlwsf] kl/ro lbg tyf dxTj eGg

• cf/g / snsf] kl/ro lbg tyf sfo{k|lqmof eGg

• afnL3/] k|yfsf] c;n / ;'wf/ ug'{kg]{ kIfsf] klxrfg ug{

• :yfgLo k/Dk/fut x:tsnfsf ;fdu|L lgdf{0f ug{ -s'dfn], dfbn_

• gu/kflnsfdf ko{6g Joj;fo ljsf;sf cj;/ / r'gf}tL klxrfg ug{

• ko{6g Joj;fo k|j4{g, Joj;fo lj:tf/, s[lifsf] cfw'lgsLs/0fsf nflu gu/sf] of]hgf af/] eGg

$= :jf:Yo, kf]if0f / ;/;kmfO

• l;sn;]n Plgldofsf] kl/ro lbg / nIf0f eGg

• a}bLdf cjl:yt j}Bvfgfn] lbg] ;]jfsf af/]df hfgsf/ eO{ ;]jf k|fKt ug{

• l;sn;]nsf] jt{dfg cj:yf eGg / sf/0f eGg

• :yfgLo :jf:Yo ;]jf k|bfos ;+:yfx¿n] k|bfg ug]{ ;]jfx¿sf] kl/ro lbg / ;]jf lng

• l;sn;]n /f]usf] /f]syfd / pkrf/ ljlw eGg

• ;'gf}nf xhf/ lbgsf] kl/ro / dxTj eGg

%= ljkb\ Joj:yfkg, jftfj/0f / xl/t ljBfno

• ljkb\ hf]lvd Go"gLs/0fsf] kl/ro lbg

• ljkb\ k"j{ ckgfOg] ;hutfsf] hfgsf/L lbg

•aaO{ gbL s6fg Joj:yfkgdf ul/Psf k|of; klxrfg ug{

•j8fdf ePsf jg / ToxfF kfOg] j:t'sf] klxrfg ug{

•3/ tyf ljBfnodf h8La'6L v]tL ug{ / o;sf] dxTj eGg

•j8f If]qdf j[Iff/f]k0fdf ;xefuL x'g

• xl/ofnL k|j4{gsf] kl/ro, dxTj, tl/sf eGg / xl/ofnL k|j4{gdf ;xeflutf x'g

• xl/t 3/ tyf ljBfnosf] cjwf/0ff eGg

• ljBfnodf s/];fjf/Lsf] lgdf{0fdf ;xefuL x'g

• :yfgLo:t/df x'g] ljkb\ hf]lvd Go"gLs/0fsf pkfo eGg

•j8f:t/df ljkb\ Joj:yfkgsf nflu ul/Psf k|of; eGg / ;xefuL x'g

•gu/:t/df k|sf]k Joj:yfkgdf ;+nUg ;fdflhs ;+:yfx¿n] u/]sf sfo{x¿ eGg

•j8fleqsf ;fd'bflos jgsf] kl/ro, dxTj, kmfObf eGg

•jg:klt tyf jGohGt' ck/fw lgoGq0f / sfg'gL Joj:yfsf] ljBdfg cj:yf eGg

• xl/t 3/ tyf ljBfno cfjZostf tyf dxTj eGg

•3/ / ljBfnodf s/];faf/L / k'ik au}Frfsf] lgdf{0f, pTkfbg, ahf/Ls/0f ug{

• :yfgLo:t/df x'g] ljkb\ Joj:yfkgdf ;xefuL x'g

•gu/:t/df k|sf]k Joj:yfkgsf nflu ul/Psf cEof;sf] hfgsf/L xfl;n ug{ / ;xefuL x'g

• ljkb\ Joj:yfkgdf /]8qm;sf] e"ldsf•j8fdf ePsf jgdf kfOg] jg:klt tyf jGohGt' ;+/If0f / ck/fw lgoGq0fdf sfg'gL Joj:yf kfngf u/fpgsf nflu ljBfyL{, ljBfno, :yfgLo ;d'bfo / :yfgLo ;/sf/sf] e"ldsf klxrfg ug{

•vfnL hUuf, jg If]q, 3/ / ljBfnodf j[Iff/f]k0f ug{

•3/ tyf ljBfnodf h8La'6L v]tL ug{, pkof]u eGg . logsf] k|of]u tyf ahf/Ls/0f ug{

• xl/t ljBfno lgdf{0fdf ljBfyL{ Osf] Snasf] e"ldsf klxrfg / cjnDag ug{

• xl/t 3/ tyf ljBfno lgdf{0fsf nflu cfjZos cfwf/e"t kIf klxrfg ug{

Page 13: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

8 cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

If]q÷PsfO sIff ^ sIff & sIff *

•3/, ljBfno / :yfgLo If]qdf x'g;Sg] kmf]xf]/ tyf k|b"if0f Go"gLs/0fsf pkfo klxrfg / cjnDag ug{

•gu/kflnsf If]qdf vfg]kfgLsf] ;|f]t, ljt/0f / kfgL z'4Ls/0fsf :yfgLo pkfo klxrfg u/L cEof; ug{

•gu/kflnsf:t/af6 k"/f ug{ ;lsg] lbuf] ljsf;sf nIo klxrfg ug{

•gu/kflnsf If]qdf lbuf] ljsf; / jftfj/0f ;+/If0f tl/sf eGg

•3/fo;L pkof]u eO;s]sf] kfgLsf] Joj:yfkgcGtu{t ;f]slk6 lgdf{0f ug{ / s/];faf/Ldf pkof]u ug{

•3/fo;L 7f]; kmf]xf]/sf] Joj:yfkg cGtu{t u8\of}n] dn agfpg / pkof]u ug{

• lbuf] ljsf; / xl/t ljBfnosf] cGt/;DaGw j0f{g ug{

• lbuf] ljsf; / jftfj/0f ;+/If0fsf nflu ljBfyL{, ljBfno / ;d'bfosf] e"ldsf klxrfg ug{ / cjnDag ug{

• xl/t ljBfnosf] k|j4{g ug]{ pkfosf] vf]hL u/L tL pkfo cjnDag ug{

• :yfgLo If]qdf kfgLsf] lbuf] Joj:yfkgsf] pkfo vf]hL ug{

•cfsfz] kfgL ;ª\sng ljlw eGg, ;ª\sng / pkof]u ug{

•3/fo;L 7f]; kmf]xf]/sf] Joj:yfkgcGtu{t lag sDkf]li6ª\ tyf lk6 sDkf]li6ª\ ug]{ k|lqmofsf] cEof; ug{

•gu/kflnsf If]qdf jftfj/0f k|b"if0fsf] Go"gLs/0f / kmf]xf]/d}nf Joj:yfkgdf :yfgLo ;d'bfo, ;ª\3;+:yfx¿ / gu/kflnsfsf] e"ldsf eGg

• lbuf] ljsf;sf nIox¿ k|flKtsf nflu :yfgLo ;/sf/n] ub}{ cfPsf sfo{x¿ klxrfg u/L k|efjsf/L agfpg] pkfosf] vf]hL ug{

^=hLjg pkof]uL l;k / dfgj d"Nodf cfwfl/t lzIff

•;fdflhs ;~hfnsf] ;fdfGo kl/ro lbg

• k|efjsf/L ;~rf/ l;ksf] ljsf; ug{

•c;n af]Ng] :jefjsf] k|of]u ub}{ v';L / ;'vL x'g] afgLsf] cEof; ug{

•cfkm";Fu ePsf k|ltef / Ifdtfsf] :jd"Nofª\sg ug{

•cfkm";Fu ePsf k|ltef / Ifdtfsf cfwf/df cfˆgf] nIo ls6fg ug{

• kl/jf/ / ;dfhsf] lhDd]jf/ ;b:o x'gsf nflu cfjZos kg]{ cfr/0fsf] klxrfg / cEof; ug{

•;fdflhs ;~hfnsf] dxTj / plrt k|of]u ug{

•c;n gful/s x'g cfjZos l;kx¿ klxrfg u/L k|of]u ug{

•3/÷ljBfnodf x'g] ;fdfGo ljjfb / emu8fdf dWo:ytf ug]{ l;ksf] ljsf; ug{

•c;n :jefjsf] k|of]u ub}{ v';L / ;'vL x'g] afgLsf] cEof; ug{

•cfkm";Fu ePsf k|ltef / Ifdtfsf] :jd"Nofª\sg u/L lglZrt nIosf ;fy cl3 a9\g] Ifdtfsf] cEof; ug{

• kl/jf/ / ;dfhsf] lhDd]jf/ ;b:o x'gsf nflu cfjZos kg]{ cfr/0fsf] klxrfg u/L ;f]sf] cEof; / k|bz{g ug{

•;fdflhs ;~hfnsf] b'¿kof]u, o;sf k|efj / aRg] pkfosf] vf]hL ug{

• xfd|f] ;d'bfo / gu/kflnsfk|lt cfˆgf] st{Jo / hjfkmb]xLtfsf] af]w ug{

•hLjgdf c;n / ;kmn aGg] pkfosf] vf]hL ug{

•cfTdljZjf; / lg0f{o lng;Sg] Ifdtfsf] ljsf; ug{

•c;n :jefjsf] k|of]u ub}{ v';L / ;'vL x'g] afgLsf] cEof; ug{

•cfkm";Fu ePsf k|ltef / Ifdtfsf] :jd"Nofª\sg u/L lglZrt nIo / k|lta4tfsf ;fy cl3 a9\g] Ifdtfsf] cEof; ug{

• kl/jf/ / ;dfhsf] lhDd]jf/ ;b:o x'gsf nflu cfjZos kg]{ cfr/0fsf] cEof; tyf k|bz{g ug{

&=:yfgLo JolQmTj / ;fdflhs ;+:yfx¿

•gu/leqsf] klxnf] dfWolds tx ;~rfng ePsf] ljBfnosf] :yfkgf ug]{ JolQmTjx¿sf] lrgf/L . -z]/axfb'/ e08f/L, dxfb]j yf¿, kmls/] yf¿, d'lG;/fd yf¿, ef]nL/fd yf¿ / ;'sb]j kf7s_sf] hLjgL eGg

•af/alb{of gu/leq a]kQf kfl/Psf JolQmx¿sf] ljj/0f tof/ ug{

• lai0f'–wgL ax'k|fljlws lzIffnosf] ;fdfGo kl/ro, ;]jfx¿af/] hfgsf/L k|fKt ug{

•v]nf8L s]z/L rf}w/Lsf] hLjgLaf6 k|fKt lzIff lng

•af/alb{of gu/leqsf ;lxb, hgo'4 tyf hg cfGbf]ngsf 3fOt]x?sf] kl/ro / pgLx¿sf] of]ubfgaf/] rrf{ ug{

•gu/leq klxnf] SofDk;sf] kl/ro lbg / SofDk;n] k'¥ofPsf] of]ubfg j0f{g ug{

•sfnL/fd rf}w/Lsf] hLjgL / of]ubfg eGg

•g]kfns} klxnf] l;sn;]n c:ktfn cf/=;L= yf? :d[tL d]df]l/on c:ktfnsf] kl/ro lbg / o;n] k|bfg ub}{ cfPsf ;]jf klxrfg u/L cfjZos ;]jf lng

•a'9fg ;fgf ls;fg s[lif ;xsf/L ;+:yf ln= sf] kl/ro lbg / pTkflbt j:t'sf] hfgsf/L lng

•yf¿ efiff pTyfg | d~r -uf]rfnL kl/jf/_ sf] ;fdfGo kl/ro / sfo{ eGg

•af/alb{ofsf] k|yd pkd]o/sf] hLjgL eGg / of]ubfg eGg

•af/alb{ofsf k|yd d]o/sf] hLjgL / of]ubfg eGg

Page 14: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

9cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

$= ljifoj:t'sf] If]q / j|md -sIff !-#_If]q÷lyd sIff ! sfo{

306f sIff @ sfo{ 306f sIff # sfo{

306f!= xfd|f] af/alb{of

• cfˆgf] kl/jf/ tyf cfkm" a;]sf] ufpF6f]nsf] gfd

• cfˆgf] ufpF6f]nsf] jl/kl/sf] ufpF6f]nsf] gfd

• cfˆgf] ufpF j/k/ /x]sf] gbL, vf]nf / af6fsf] gfd

• cfkm" k9g] ljBfno / l5d]sL ljBfnosf] gfd

• cfˆgf] ufpF6f]ndf /x]sf] wfld{s :ynsf] gfd

• cfˆgf] 3/ glhs} /x]sf ahf/ -lsgd]n ug]{ 7fpF_

• cfˆgf] ufpF6f]nsf] :jf:Yo :jo+;]ljsfsf] gfd / lrgf/L

#) • cfkm" a:g] j8f gDa/ / j8f sfof{nosf] 7]ufgf

• af/alb{of gu/kflnsfsf] gfd, gu/ sfo{kflnsf /x]sf] 7]ufgf / :yfkgf ePsf] ;fn

• alb{of lhNnfsf] gS;fdf af/alb{of

• cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt

• cfˆgf j8fleq /x]sf gbL, vf]nf, em/g, tfn / af6fsf] cjl:ylt

• ufpF6f]n glhs /x]sf :jf:Yo k|bfos ;+:yf, lSnlgssf] gfd / 7]ufgf

#) • af/alb{of gu/kflnsfsf] ef}uf]lns cj:yfsf] ;fdfGo hfgsf/L

• n'lDagL k|b]zsf] gS;fdf af/alb{of gu/kflnsf

• gu/leqsf d'Vo d'Vo ;8ssf] gfd / cjl:ylt

• cfˆgf] j8fleq /x]sf ;fd'bflos jgsf] gfd / ltgLx¿sf] dxTj

• gu/kflnsfleq /x]sf d'Vo tfn / ltgsf] cjl:ylt

• cfkm" a;f]af; ug]{ j8fsf j8f cWoIf / ;b:ox¿sf] gfd

• cfkm" a;f]af; ug]{ j8fleq /x]sf :jf:Yo k|bfos ;+:yf, lSnlgssf] gfd / 7]ufgf

#)

@= xfd|f] ;+:sf/ / ;+:s[lt

• cfk\mgf] ufpF 6f]ndf a;f]af; ug]{ hfthfltsf] gfd

• ufpF 6f]nsf hfltaLrsf] ;f+:s[lts leGgtfaf/] ;fdfGo hfgsf/L

• ufpF 6f]ndf af]lng] d'Vo efiff

• yf¿ hfltsf kf];fssf] gfd / nufpg] tl/sf

• yf¿ hfltsf uxgfsf] gfd / nufpg] tl/sf

• 3/df agfO{g] vfgfsf kl/sf/

• :yfgLo nf]s afhf• :yfgLo nf]suLt

#) • j8fleqsf hfthfltsf] y/

• cfkm" / cfˆgf] ;fyLn] af]Ng] efiffsf] hfgsf/L

• j8fleq af]lng] efiff• j8fleqsf hfthfltn]

nufpg] kf];fs • :yfgLo e]ife"iffsf] kl/ro • :yfgLo rf8kj{sf] gfd /

dgfpg] hflt • :yfgLo nf]suLt ufpg]

hfthfltsf] klxrfg / pgLx¿n] ufpg] d'Vo nf]suLt ufpg] cEof;

• :yfgLo nf]safhfx¿ dWo] s''g} d'Vo Ps afhf ahfpg] cEof;

#) • gu/leqsf hfthflt • gu/leq af]lng] efiff • gu/leqsf hfthfltn]

nufpg] kf];fs • :yfgLo hfltn] ug]{ k"hf

-s'n, cfOtaf/L, cgQ/, u'?jf, x/]/L_ sf] kl/ro lbg / dxTj

• :yfgLo nf]suLt ufpg] cEof;

• :yfgLo nf]safhf -dfbn, v}Fh8L_ ahfpg] cEof;

• :yfgLo nf]s g[Tox¿sf] klxrfg

• s'g} Ps :yfgLo nf]suLtdf g[To cEof;

#)

#= xfd|f :yfgLo k];f,

Joj;fo, ko{6g / cfly{s

lqmofsnfk

• cfˆgf] cleefjsn] ug]{ d'Vo sfdx¿sf] gfd

• cfˆgf] 3/df jif{el/ pTkfbg x'g] afnLsf] gfd

• ufpF6f]ndf 3'Dg nfos :yfgx¿sf] gfd

• 3/df pTkfbg ePsf j:t' laj|mL ug]{ :yfg klxrfg

#) • ufFp6f]nsf JolQmx¿n] ug]{ d'Vo k];f tyf Joj;fosf] gfd

• cfˆgf] 3/df jif{el/ pTkfbg x'g] t/sf/L tyf kmnkm"nsf] gfd

• j8fdf 3'Dg nfos :yfgsf] gfd

• b}lgs lsgd]n ug]{ :yfgsf] gfd / lslgg] ;fdfgsf] ljj/0f

#) • ufpF6f]ndf k|rlnt x:tsnfsf ;fdu|L klxrfg

• :yfgLo:t/df pTkfbg x'g] df};dcg';f/sf] t/sf/L / kmnkm"n klxrfg tyf ltgsf] dxTj

• gu/leq 3'Dg nfos :yfgsf] klxrfg / ltgsf] ;fdfGo ljj/0f

• ufpF3/df pTkflbt j:t'x¿ laqmL ug]{ :yfgsf] kl/ro

#)

Page 15: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

10 cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

If]q÷lyd sIff ! sfo{ 306f sIff @ sfo{

306f sIff # sfo{ 306f

$= :jf:Yo / v]ns'b

• z/L/sf cª\usf] ;/;kmfO • JolStut ;/;kmfOsf] nflu

cfjZos kg]{ ;fdUf|Lsf] gfd • ;/;kmfO ug'{kg]{ :yfg• cfˆgf] / 3/sf] ;/;kmfO

ug'{kg]{ sf/0f / ;/;kmfOdf ;xefuL

• :yfgLo v]n klxrfg / v]Ng] cEof;

!) • cfˆgf] z/L/sf] ;/;kmfO • JolQmut ;/;kmfOsf]

dxTj • b}lgs¿kdf ul/g]

;/;kmfO• 3/ tyf ljBfnosf]

;/;kmfOdf ;xefuL • :yfgLo v]n v]Ng] cEof;

/ dxTj

!) • :j:y z/L/sf] nflu cfjZos kg]{ tTjx¿

• ;/;kmfO ubf{ x'g] kmfObf / gubf{ x'g] c;/ klxrfg

• cfˆgf] j/k/sf] jftfj/0fsf] ;/;kmfOdf ;xefuL

• ef]hgsf] kl/ro• :yfgLo v]n v]Ng] cEof; /

v]n v]Nbf x'g] kmfObf klxrfg

!)

%= ljkb\ Joj:yfkg, jftfj/0f / xl/t ljBfno

• :yfgLo:t/df x'g ;Sg] ljkb\ klxrfg -af9L, cfunfuL_

•3/ tyf :yfgLo:t/df kflng] 3/kfn'jf hgfj/sf] gfd

•3/ tyf ljBfnosf] afn au}Frfdf ePsf la?jfsf] klxrfg

• :yfgLo If]qdf kfOg] af]6lj?jfsf] gfd

•3/ tyf ljBfnodf ul/g] j[Iff/f]k0fdf ;xof]u

•3/ tyf ljBfnodf ePsf af]6la?jfsf] ;/If0fdf ;xof]u

• km"naf/L] tyf af]6la?jfsf] x]/rfx

• :yfgLo If]qdf ePsf kfgLsf ;|f]t

• JolStut, 3/, cfFug, ljBfno, jl/kl/sf] jftfj/0fsf] ;/;kmfOdf ;xefuL

• kmf]xf]/d}nfsf] klxrfg

$) •af9L / cfunfuLsf] kl/ro

•j8fleqsf jgdf kfOg] jGohGt' / r/fsf] gfd

• :yfgLo If]qdf kfOg] af]6la?jfsf] juL{s/0f

•au}Frfsf] kl/ro •3/ / ljBfnodf j[Iff/f]k0fdf ;xefuL

•af]6la?jfsf] ;+/If0fdf ;xof]u

•j8fdf ePsf kfgLsf ;|f]tsf] kl/ro

• JolStut, 3/, cfFug, ljBfno, jl/kl/sf] jftfj/0fsf] ;/;kmfOdf ;xefuL

•j/k/sf] jftfj/0f kmf]xf]/ x'g] sf/0fx¿ klxrfg

• kmf]xf]/d}nfsf] kl/ro / k|sf/ -s'lxg] / gs'lxg]_

$) • af9L / cfunfuL x'g] sf/0fx¿ •gu/kflnsfsf jgdf kfOg] jGohGt' / r/f klxrfg

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Page 27: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

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Page 58: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

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Page 59: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

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Page 64: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

59cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

;Defljt kl/of]hgf tyf k|of]ufTds sfo{ sIff $!= gu/kflnsfsf j8fut dlxnf / k'?ifsf] ljj/0fsf] rf6{ tof/ u/L sIffdf 6fF; ug'{xf];\ .@= cfkm"n] dgfpg] k|d'v rf8kj{sf] af/]df cfˆgf] cleefjs;Fu ;f]wk'5 u/L tnsf a'Fbfsf] cfwf/df tflnsf agfO{{ sIffdf k|:t't

ug'{xf];\ . -rf8kj{sf] gfd, rf8kj{ k/]sf] dlxgf / ut], pSt rf8kj{df ul/g] lqmofsnfk cflb_ #= ;d"xut ¿kdf sfo{ ljefhg u/L glhsdf kg{] wfld{s :ynsf] e|d0f u/L wfld{s :yn /x]sf] 7]ufgf, kl/ro, ul/g] lqmofsnfk,

dxTj cflbnfO{ ;d]6L k|ltj]bg tof/ u/L sIffdf k|:t't ug'{xf];\ . $= tkfO{+sf] ufpF6f]ndf kfOg] x:tsnfsf ;fdu|L s] s] 5Gf\ ;ª\sng u/L sIffsf]7fdf k|bz{g ug{'xf];\ . tL ;fdu|L agfpg] tl/sf

/ pkof]lutf;DaGwL ljj/0f tof/ u/L sIffdf k|:t't ug'{xf];\ .%= 3/df x:tsnfaf6 lgdf{0f ug{ ;lsg] ljleGg ;fdu|L dWo] cleefjssf] ;xof]udf s'g} Ps x:tsnfsf] ;fdu|L -8f]SgL, k}jf,

ef}sf, hfn 8f]sf], 9lsof_ lgdf{0f ug'{xf];\ . pSt ;fdu|L lgdf{0f ubf{ rflxg] sRrf kbfy{, lgdf{0f ug]{ tl/sf / lgld{t ;fdu|Lsf] k|of]u tyf pkof]lutf cflbnfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ . sIffdf pSt ;fdu|L k|bz{g ug'{xf];\ .

^= ;f]wvf]h tyf cjnf]sgsf] dfWodaf6 cfˆgf] gu/kflnsfleqsf jgdf kfOg] jGohGt' tyf r/fsf] ;"rL agfpg'xf];\ . pSt jGohGt' / r/fsf] dxTj tyf ;+/If0f ug]{ tl/sf ;d]tnfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ .

&= 3/ j/k/sf] vfnL hldg, s/];faf/Ldf pkof]uL af]6la?jfsf] j[Iff/f]k0f ug'{xf];\ . la?jf x'sf{pgsf nflu cfjZos kg]{ tTj -kfgL, dn cflb_ k|bfg ug'{xf];\ . sl/a Ps dlxgfdf la?jfsf] j[l4 slt eof], la?jfdf s] s:tf kl/jt{g cfP < cjnf]sg u/L k|fKt TfYonfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ / sIffdf k|:t't ug'{xf];\ .

^= 3/ tyf ljBfnoaf6 lg:sg] kmf]xf]/sf] juL{s/0f -s'lxg], gs'lxg], t/n / UofF;_ ug'{xf];\ . kmf]xf]/d}nf Joj:yfkg ug]{ tl/sf cjnDag ug'{xf];\ . o;sf] nflu kmf]xf]/ t/n -gfnL, zf}rfno tyf :gfg3/af6 lg:sg] t/n, efG;faf6 lg:sg] kmf]xf]/_, s'lxg] / gs'lxg] 7f]; kmf]xf]/, UofF; -jfo'_ cflbsf] Joj:yfkg ug]{ tl/sf -cfkm", cfˆgf] kl/jf/, ljBfno_nfO{ k|of]u ug'{xf];\ . oL sfo{af6 kmf]xf]/ Joj:yfkg ubf{ s]–s] k|ult eof] < ;+If]kdf k|ltj]bg agfpg'xf];\ / sIffdf k|:t't ug'{xf];\ .

*= ;dfhsf c;n JolQmn] u/]sf sfo{sf] ;"rL tflnsfdf tof/ ug'{xf];\ . tL c;n sfo{ dWo] cfkm"n] ug{;Sg] sfo{ 5gf]6 u/L sfof{Gjog ug'{xf];\ . o;/L sfof{Gjog ubf{ s]–s] kIfdf ;'wf/ eof] < k|ltj]bg tof/ u/L sIffdf k|:t't ug'{xf];\ .

(= j8fleq /x]sf :jf:Yo ;+:yfdWo] s'g} Ps :jf:Yo ;+:yfsf] af/]df lgaGw n]vL sIffdf k|:t't ug'{xf];\ . pSt lgaGwdf ;+:yfsf] kl/ro, k|bfg ug]]{ ;]jfnfO{ ;d]6\g'xf];\ .

sIff %!= af/alb{of gu/kflnsfsf] gS;f agfO{{ lgDglnlvt :yfg eg'{xf];\ M -aaO{ gbL, ;Tvn'jf tfn, ;bflzj dlGb/_

@= ;d"xut÷JolStut ¿kdf kbgfxd]nf / df3L d]nf ;DaGwdf pSt d]nfsf hfgsf/ ;d'bfosf JolSt;Fu ;f]wk'5 u/L lgDg kIfnfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ / sIffdf k|:t't ug'{xf];\–

-s_ kl/ro -v_ d]nfdf ul/g] lqmofsnfk -u_ /fd|f kIfx¿ -3_ ;'wf/ ug'{kg]{ kIfx¿#= ;d"xut ¿kdf af/alb{of gu/kflnsfleq kg{] ;tvn'jf tfn tyf l;d;f/ If]q / ;bflzj dlGb/sf] cjnf]sg e|d0f ug'{xf];\

/ tL 7fpFsf ljz]iftfsf] af/]df ;f]wvf]h tyf cjnf]sg u/L k|fKt ljj/0fnfO{ sIffdf k|:t't ug{'xf];\ . $= 3/ j/k/sf] vfnL hldg, s/];faf/Ldf pkof]uL cf}iflwhGo jg:klt -l3ps'df/L, cdnf, t'n;L, c;'/f] jf cGo cf}iflwhGo

jg:klt_sf] j[If/f]k0f ug'{xf];\ . tL jg:klt x'ls{gsf] nflu cfjZos kg]{ tTj -kfgL, dn cflb_ k|bfg ug'{xf];\ . sl/a tLg dlxgfdf la?jfsf] j[l4 slt eof], la?jfdf s] s:tf kl/jt{g cfP < cjnf]sg ug'{xf];\ . tL cf}iflwhGo jg:klt s]–s] sfdsf] nflu k|of]u ul/P < k|fKt TfYonfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ / sIffdf k|:t't ug'{xf];\ .

%= 3/ tyf ljBfnoaf6 lg:sg] 7f]; kmf]xf]/d}nf Joj:yfkg ug]{ d'Vo tLg tl/sf– sd k|of]u, k'gMk|of]u / k'gMrqm0f ljlw k|of]u ug'{xf];\ . oL tLg Joj:yfkgsf pkfo cjnDag ubf{ s]–s] kmfObf eof] < cg'ejnfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ / sIffdf k|:t't ug'{xf];\ .

^= 3/ tyf ljBfnodf k|of]u ePsf pmhf{sf ;|f]tsf] klxrfg u/L s]–s] sfo{df k|of]u ul/Psf] 5 < pmhf{sf] ldtJooL tl/sfn] k|of]u ug{ ckgfOPsf kIfnfO{ ;d]t ;d]6L k|ltj]bg tof/ ug'{xf];\ / sIffdf k|:t't ug'{xf];\ .

Page 65: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

60 cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

&= gu/leqsf ;xsf/L ljQLo ;fdflhs :jf:Yo z}lIfs ;+:yfsf] e|d0f u/L ;f] ;+:yfsf] kl/ro, :yfkgfsf] p2]Zo, ;+:yfn] ub}{ cfPsf sfo{ / efjL of]hgf;DaGwL ljj/0f ;lxtsf] k|ltj]bg tof/ u/L sIffdf k|:t't ug'{xf];\ .

sIff ^!= gu/kflnsfsf] gS;f sf]g'{xf];\ / gu/kflnsfleq /x]sf d'Vo–d'Vo :yfgnfO{ gS;fdf ;ª\s]tdf b]vfpg'xf];\ . @= j8f sfof{nodf e|d0f ug'{xf];\ / j8f sfof{non] k|bfg ug]{ ;dUf| ;]jf tyf afnaflnsf / o'jfsf] nflu ;]jf s]–s] /x]5g\ <

;f]wvf]h u/L k|ltj]bg tof/ u/]/ sIffdf k|:t't ug'{xf];\ . ;fy} afnaflnsf tyf o'jfsf] nflu k|bfg ug]{ ljifo;Fu ;DalGwt cGo ;]jf eP tL ;]jf k|bfg ug]{ ;'emfjnfO{ klg k|ltj]bgdf ;dfj]z ug'{xf];\ .

#= yf¿ hfltn] dgfpg] rf8kj{ dWo] s'g} Ps rf8kj{sf] af/]df lgDg kIfnfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ / sIffdf k|:t't ug'{xf];\– rf8kj{sf] gfd, dgfpg] tl/sf, dxTj, /fd|f kIf, ;'wf/ ug'{kg]{ kIf .

$= yf¿ hfltn] ahfpg] :yfgLo nf]safhf, ufpg] uLt / g[Tosf] Ps–Ps lqmofsnfk ug'{xf];\ . o;af6 l;lsPsf kIfnfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ / sIffdf k|:t't ug'{xf];\ .

%= af/alb{ofleq ;~rflnt xf]d:6]x¿dWo] s'g} Pssf] e|d0f ug'{xf];\ . pSt xf]d:6]sf] kl/ro, ul/Psf sfo{x¿ tyf :yfgLo If]qdf ePsf] ;sf/fTds kl/jt{gsf] af/]df xf]d:6] ;~rfns jf hfgsf/;Fu ;f]wvf]h ug'{xf];\ / k|ltj]bg tof/ u/L sIffdf k|:t't ug'{xf];\ .

^= yf¿ hfltn] lgdf{0f ug]{ k/Dk/fut x:tsnfsf ;fdu|LdWo] s'g} Ps ;fdu|L lgdf{0f ug'{xf];\ . lgdf{0f ul/Psf ;fdu|Lsf] gfd, lgdf{0f ubf{ rflxg] sRrf kbfy{, lgdf{0f ljlw -lrq;lxt r/0f_, lgld{t ;fdu|Lsf] pkof]lutf h:tf kIfnfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ . sIffdf ;fdu|L k|bz{g ub}{ k|ltj]bg k|:t't ug'{xf];\ .

&= :yfgLo:t/df ePsf] s'g} Pp6f ljkb\sf] cjnf]sg ug'{xf];\ . ;f] ljkb\n] k'¥ofPsf] c;/ -dfgjLo, z}lIfs, cfly{s, ef}ltsnufot_sf] klxrfg ug'{xf];\ . pSt ljkb\nfO{ bL3{sfnLg ¿kdf Joj:yfkg ug{ s]–s] sfo{ ug{ ;lsG5 < k|ltj]bg tof/ u/L k|:t't ug'{xf];\ .

*= ljBfnosf] g;{/L lgdf{0f sfo{df ;xefuL x'g'xf];\ . g;{/Laf6 pTkflbt a]gf{nfO{ vfnL 7fpFdf /f]Kg'xf];\ . a]gf{ x's{gsf] nflu cfjZos j:t'sf] lgoldt ¿kdf k|jfx ug'{xf];\ . sl/a @÷# dlxgfdf tL a]gf{sf] j[l4sf] cjnf]sg ug'{xf];\ . of] sfo{ ubf{ cfkm"n] u/]sf sfo{x¿ / ePsf] k|ultnfO{ sIffdf k|:t't ug'{xf];\ .

(= 3/ j/k/sf] vfnL 7fpF jf sf};L jf a/08fdf ;fu;AhL tyf b}lgs ¿kdf 3/df k|of]u ug{ ;lsg] cGo jg:klt v]tL ug'{xf];\ . lgoldt ¿kdf ;fu;AhL tyf jg:kltsf] pTkfbg x'g cfjZos kg]{ s'/f -kfgL, dn, uf]8d]n_ k|bfg ug'{xf];\ . pTkflbt j:t' pkef]u ug'{xf];\ / a9L ePsf] pTkflbt j:t'sf] laqmL ljt/0f ug'{xf];\ . oL ;a} sfo{nfO{ ;d]6L k|ltj]bg tof/ u/L sIffdf k|:t't ug'{xf];\ .

!)= kl/jf/ / ;dfhsf] lhDd]jf/ ;b:o x'gsf nflu cfjZos kg]{ cfr/0fsf] klxrfg ug'{xf];\ . tL cfr/0fsf] sfof{Gjog ug]{ of]hgf agfpg'xf];\ / sfof{Gjog ug'{xf];\ . sfof{Gjog ubf{ tkfO{+df s]–s] cfr/0fsf] ljsf; eof] < :jd"Nofª\sg u/L k|ltj]bg tof/ ug'{xf];\ / sIffdf k|:t't ug'{xf];\ .

sIff &!= lhNnfsf] gS;f sf]g'{xf];\ / lhNnfleq tyf cfˆgf] gu/kflnsfleq /x]sf d'Vo–d'Vo :yfgnfO{ gS;fdf ;ª\s]tdf b]vfpg'xf];\ .

@= gu/kflnsfsf] sfof{nodf e|d0f ug'{xf];\ / gu/kflnsfn] k|bfg ug]{ ;dUf| ;]jfsf ;fy} afnaflnsf / o'jfsf nflu k|bfg ul/g] ;]jf s]–s] /x]5g\ < ;f]wvf]h u/L k|ltj]bg tof/ u/]/ sIffdf k|:t't ug'{xf];\ . ;fy} afnaflnsf tyf o'jfsf] nflu k|bfg ug]{ ljifo;Fu ;DalGwt cGo ;]jfx¿ eP tL ;]jf k|bfg ug]{ ;'emfjnfO{ klg k|ltj]bgdf ;dfj]z ug'{xf];\ .

#= /fhL / afbL hfltsf] efiff, e]ife"iff, rf8kj{ /Lltl/jfh, wd{ ;+:s[lt, ufog, afhf / g[To;DaGwL ljj/0f tof/ u/L sIffdf k|:t't ug'{xf];\ . o;/L ljj/0f tof/ ubf{ pSt ;d'bfosf pNn]lvt kIfdf ePsf /fd|f / ;'wf/sf kIfnfO{ Wofg lbg'xf];\ .

$= ;tvn'jf l;d;f/ If]q, s'De/ c8\8f kfs{, ;lxb kfs{, /fgLh?jf kfs{, aaO{ l;FrfO cfof]hgf, alb{of /fli6«o lgs'~hdWo] s'g} Ps :yfgsf] e|d0f ug'{xf];\ . tL :yfgsf] kl/ro, cjnf]sg ubf{ kfOPsf j:t'sf] ljj/0f, dxTj, ;+/If0fsf pkfo nufotsf kIfnfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ / sIffdf k|:t't ug'{xf];\ .

Page 66: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

61cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

%= :yfgLo k/Dk/fut x:tsnfsf ;fdu|L ;'kf], l56gL, a]/L{dWo] s'g} Pp6f ;fdu|L lgdf{0f ug'{xf];\ / sIffdf k|bz{g ug'{xf];\ . sIffdf ;fdu|L k|bz{g ubf{ lgdf{0f ul/Psf] ;fdu|Lsf] gfd, pSt ;fdu|L agfpg rflxg] sRrf kbfy{x¿, agfpg] ljlw, ;fdu|Lsf] pkof]lutf cflbnfO{ ;d]6\g'xf];\ .

^= uF8\of}nf dNf agfpg] ljlwcg';f/ 3/df uF8\of}nf dn agfpg'xf];\ / ljBfnodf uF8\of}nf dn agfpg] sfo{df ;xefuL x'g'xf];\ . tof/ ePsf] uF8\of}nf dnnfO{ k|of]u ug]{ ljlwcg';f/ t/sf/L v]tL, k'ik v]tL, kmnkm"n v]tLdf k|of]u ug'{xf];\ . of] dn k|of]u ubf{ ePsf kmfObf tyf pkof]lutf ;DaGwdf cfˆgf] cg'ej;d]tnfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ .

&= 3/ tyf ljBfnodf s/];faf/L÷au}Frf lgdf{0f u/L jf sf};L jf a/08f jf udnfdf t/sf/L v]tL÷k'ik v]tL÷kmnkm"n v]tL ug'{xf];\ . o;af6 pTkflbt j:t'x¿, ltgLx¿sf] pkof]u, ePsf] kmfObf;DaGwL ljj/0fnfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ / sIffdf k|:t't ug'{xf];\ .

*= c;n gful/s x'g cfjZos l;ksf] ljj/0f tof/ ug'{xf];\ . tL l;ksf] sfof{Gjogsf nflu of]hgf agfpg'xf];\ / sfof{Gjog ug'{xf];\ . o;/L sfof{Gjog ubf{ tkfO{+ :jo+df s] s:tf / Jojxf/ kl/jt{g eP < o;af6 tkfO{+n] s]–s] s'/f l;Sg'eof] < k|ltj]bg tof/ ug'{xf];\ / sIffdf k|:t't ug'{xf];\ .

sIff *

!= k|b]zsf] gS;f lgdf{0f / cfˆgf] lhNnf, gu/kflnsf tyf d'Vo d'Vo 36gfsf] cjl:yltnfO{ ;ª\s]tdf b]vfpg'xf];\ .

@= cu|h tyf hfgsf/ JolSt;Fu ;f]wvf]h u/L k/Dk/fut ;ª\u7g k|0ffnL -a/3/_sf] kl/ro, sfd, dxTj / k|j4{gsf pkfosf] ljj/0f tof/ u/L sIffdf k|:t't ug'{xf];\ .

#= sdn/L, afnL3/], sd}of k|yfsf] ljBdfg cj:yf klxrfg ug'{xf];\ . o:tf ;fdflhs ;d:of ;dfwfgsf] nflu ul/Psf k|of;, efjL lbgdf ug'{kg]{ sfo{sf] ljj/0f tof/ u/L sIffdf k|:t't ug'{xf];\ .

$= ;d"xut ¿kdf a|fXd0f If]qLsf] ;+:sf/ / ;+:s[ltsf] af/]df ;f]wvf]h ug'{xf];\ . pSt ;d'bfosf] ;+:sf/ / ;+:s[ltdf ePsf c;n cEof; tyf ;'wf/sf kIfnfO{ ;d]6L k|ltj]bg tof/ u/]/ sIffdf k|:t't ug'{xf];\ .

% sIff * n] xfd|f k/Dk/fut k];f / Joj;fosf] ;Defjgf tyf r'gf}tL ljifodf ljBfno:t/Lo cltl/Qm lqmofsnfk cGtu{t jSt[Tjsnf sfo{qmd ;~rfng ug{'xf];\ . o; sfo{qmddf s'g–s'g ljBfyL{n] s'g s'g kIfdf hf]8 lbP < ;f]sf] ljj/0f / o; sfo{qmdaf6 ePsf] l;sfOnfO{ ;d]6L ;d"xut ¿kdf k|ltj]bg tof/ ug'{xf];\ .

^= ;d"xut ¿kdf ljefhg x'g'xf];\ . :yfgLo:t/df xfn;Dd ePsf ljkb\sf] klxrfg ug'{xf];\ . tL ljkb\af6 ePsf] -z}lIfs, ef}lts, dfgjLo, cfly{s jf cGo_sf] ljj/0f tof/ ug'{xf];\ . cfufdL lbgdf To:tf ljkb\ l;h{gf gx'gsf nflu ug{ ;lsg] pkfonfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ / sIffdf k|:t't ug'{xf];\ .

&= 3/fo;L tyf ljBfnoaf6 lg:sg] 7f]; kmf]xf]/sf] k|of]u u/L lag / lk6 sDkf]li6ª\ ljlwaf6 dn agfpg'xf];\ . cfjZostf cg';f/ tof/L dnnfO{ t/sf/L v]tL, k'ik v]tL, kmnkm"n v]tLdf k|of]u ug'{xf];\ . of] dn k|of]u ubf{ ePsf kmfObf tyf pkof]lutf ;DaGwdf cfˆgf] cg'ej ;d]tnfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ .

*= xl/t ljBfno lgdf{0fsf] nflu Osf] Snasf] u7g ug'{xf];\ . cfjZostfcg';f/ xl/t ljBfno lgdf{0fcGtu{tsf kIf -pmhf{, kfgL, ;/;kmfO, kmf]xf]/d}nf, l;sfO Joj:yfkg, xl/ofnL k|j4{g cflb_sf] k|efjsf/L sfof{Gjog ug{sf] nflu pk;ldlt ;d]t u7g ug'{xf];\ . pSt pk;ldltn] u/]sf sfo{ / k|fKt pknlAwnfO{ ;d]6L k|ltj]bg tof/ u/L ljBfnosf] sfo{qmddf k|:t't ug'{xf];\ .

(= ;fdflhs ;~hfnsf] b'¿kof]u, o;sf k|efj / aRg] pkfox¿ zLifs{df lgaGw n]vL sIffdf k|:t't ug'{xf];\ .

!)= hLjgdf c;n / ;kmn aGg] pkfo vf]hL ug'{xf];\ . tL pkfo sfof{Gjog ug{sf] nflu 5 dlxgfsf] of]hgf agfpg'xf];\ / sfof{Gjog ug'{xf];\ . sfof{Gjogsf qmddf tyf sfof{Gjog kZrft\ tkfO{+df s]–s] kl/jt{g eof] < s]–s] l;sfO eof] < s]–s]df ;kmn x'g'eof] < oL ;a} kIfnfO{ ;d]6L k|ltj]bg tof/ ug'{xf];\ / sIffdf k|:t't ug'{xf];\ .

Page 67: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

62 cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

%= l;sfO ;xhLs/0f ljlw / k|lqmof

-s_ sIff !–# df l;sfO ;xhLs/0f ljlw / k|lqmof

cfwf/e"t txcGtu{t sIff !–# sf] kf7\oj|md ;du|df ax'ljifos 9fFrfdf ljsf; ePsf] 5 . o;cGtu{t rf/j6f ljifox¿ kf7\oj|md ljsf; s]Gb|n] ljsf; u/]sf] 5 eg] Pp6f ljifo -:yfgLo ljifo jf dft[efiff_sf] kf7\oj|md ljsf; ug]{ lhDdf :yfgLo ;/sf/nfO{ 5 . t;y{ ax'ljifos 9fFrfdf cfwfl/t eO{ :yfgLo ljifosf] kf7\oj|md ljsf; ul/Psf]n] lzIf0f l;sfO ;xhLs/0f ubf{;d]t cGo ljifo;Fu ldNbfh'Nbf ljifoj:t' tyf l;sfO pknlAwnfO{ ;Fu;Fu} ;xhLs/0f ug]{ / gldNbf ljifoj:t'nfO{ lglZrt qmddf /fv]/ ;/nb]lv hl6ntfsf] cfwf/df l;sfO ;xhLs/0f ug'{kg]{ x'G5 . lglZrt ljifoIf]qdf cfwfl/t ax'ljifout PsLs/0fn] l;sfOnfO{ cGt/;DalGwt / a9L ;fGble{s agfpg ;xof]u k'¥ofpF5 .

PsLs[t 9fFrfdf l;sfO ;xhLs/0f ubf{ l;sfOsf] of]hgf lgdf{0fsf nflu ljifout ;Ifdtf / ;du| kf7\oj|md ;+/rgfsf] cWoog u/L ltgsf] cGt/;DaGw klxrfg ug'{k5{ . ax'ljifos ljifo If]qdf cfwfl/t eO{ xfd|f] ;]/f]km]/f], ul0ft, g]kfnL, cª\u|]hL / :yfgLo ljifo If]qdf l;sfO of]hgf lgdf{0f ubf{ ljifoj:t'nfO{ b}lgs hLjg;Fu clwstd ;DaGw sfod x'g] u/L lgwf{l/t ljifo If]qsf] jl/kl/ cf–cfˆgf] ljifo If]qut cjwf/0ff tyf l;kx¿ xfl;n u/fO{ lgwf{l/t l;sfO pknlAw k|fKt x'g] Joj:yf ldnfpg'k5{ . o;sf] nflu 5gf]6 ul/Psf ljlw, k|lqmof tyf lqmofsnfkn] ljBfyL{nfO{ ;lqmo agfpg], ;a}nfO{ ;xefuL agfpg], u/]/ tyf 5f]P/ jf rnfP/ l;Sg] / l;h{gfTdstfsf] clej[l4 x'g] cj;/ k|bfg ug'{k5{ . l;sfO lqmofsnfkn] ljBfyL{x¿df pd]/ / cfjZostfcg';f/ k|of]u, l;sfO, /rgfTds tyf ;dfnf]rgfTds ;f]rfO, lg0f{o tyf ;d:of ;dfwfg h:tf ;f]rfO l;k, :jJoj:yfkg, cfTdan, cg'zf;g, lhDd]jf/L cg's"ntf h:tf j}olSts l;k, ;~rf/, ;xsfo{, ;xfg'e"lt h:tf cGt/j}olSts l;k, ljleGg lsl;dsf ax';fIf/tf l;k / gful/s bfloTj;DaGwL ljleGg lsl;dsf gful/s l;k k|flKtnfO{ ;xof]u ug'{k5{ . ljBfyL{x¿sf] eflifs tyf ;fdflhs k[i7e"ld, l;sfOsf nflu ljleGg lsl;dsf] ckfª\utfsf] cj:yf OToflbnfO{ ljrf/ u/L ljljwtfsf] Joj:yfkg ug]{ / ;a}nfO{ ;dfj]z ug]{ u/L lzIf0f l;sfOsf] of]hgf lgdf{0f u/L l;sfO ;xhLs/0f ug'{kg]{ x'G5 .

ljBfyL{sf] l;sfOsf] d"Nofª\sgnfO{ lzIf0f l;sfO lqmofsnfksf] cleGg cª\usf ¿kdf ;dfj]z u/L ljBfyL{sf] l;sfO ;'wf/sf nflu lg/Gt/ k[i7kf]if0f k|bfg ug]{ dfWodsf ¿kdf ljsf; ug'{kb{5 . Go"gtd l;sfO ;'lglZrt u/L k|To]s ljBfyL{nfO{ pRr:t/sf] l;sfO ;Ifdtf k|fKt u/L qmdzM dflyNnf]:t/sf] l;sfO ug{;Sg] agfpg ;xof]u ug'{k5{ . oyfzSo sIff lzIf0fsf] k|aGw ug'{kb{5 . PseGbf a9L lzIfsn] Pp6} sIffdf ljleGg ;dodf lzIf0f ug]{ ul/P klg ;d"xdf 5nkmn u/L ax'ljifos lzIf0f of]hgf tof/ ug]{ / ;f]xLadf]lhd l;sfO ;xhLs/0f ug]{ k|aGw ldnfpg'k5{ . sIffdf k|of]u ul/g] efiffsf] sf/0f afnaflnsfnfO{ l;sfO lqmofsnfkdf ;l/s x'g / l;Sg afwf gx'g] cj:yf l;h{gf ug'{k5{ . o;sf nflu sIffdf oyf;So dft[efiff jf ax'efiff k|of]u ug{], 3/kl/jf/ tyf ;d'bfodf af]lng] efiffdf ;~rf/ x'g;Sg] k|aGw ug'{k5{ . :yfgLo ljifosf] l;sfO ubf{ ;fdfGotof lgDg ljlw / tl/sf k|of]u ug{ ;lsG5 M

-c_ syf syg Pjd\ uLt -cf_ clego tyf e"ldsf lgjf{x -O_ 5nkmn / k|Zgf]Q/ -O{_ vf]h tyf ;d:of ;dfwfg ljlw -p_ v]n ljlw -pm_ k|of]ufTds ljlw -C_ If]q e|d0f -P_ k|bz{g ljlw

-v_ sIff $–* df l;sfO ;xhLs/0f ljlw / k|lqmof

:yfgLo ljifosf] kf7\oj|mddf ;dfj]z ljifoj:t' tyf l;sfO pknlAw ;xh / ;/n tl/sfn] ljBfyL{x¿df xfl;n u/fpg pko'St l;sfO jftfj/0fsf] l;h{gf u/L lzIfs, ljBfyL{ / ljifoj:t'aLr ;lqmo cGt/lqmof ug{]] ljlw jf k|lqmof cjnDag ug'{k5{ . l;sfO ;xhLs/0f k|lqmof ljBfyL{ s]lGb|t, ;fGble{s / l;sfOsf lglDt ;xof]uL x'g'k5{ . of] of]hgfa4 / l;sfO pknlAw pGd'v jf k|ltkmn s]lGb|t x'g'k5{ . ;xhLs/0f k|lj|mof ljBfyL{nfO{ pTk|]l/t ug]{, ;lqmo agfpg] / ¿lr hufpg] klg x'g'k5{ . o; k|lqmofdf ljBfyL{ ;lj|mo eO{ l;sfO lqmofsnfkdf ;+nUg x'g] / cfjZostfcg';f/ k[i7kf]if0f k|fKt u/L l;sfOdf ;'wf/ ug{;Sg] cj;/ x'g'kb{5 . of] k|lqmof l;sf¿ / l;sfOsf ljljwtfnfO{ ;Ddfg ug]{ / ;a}nfO{ ;dfj]z ug{] ;dfj]zL l;4fGtdf cfwfl/t klg x'g'k5{ .

Pp6} k|sf/sf] l;sfO ;xhLs/0f ljlw ;w}F / ;a}lt/ pko'St x'g g;Sg] ePsfn] Pp6} ljifoj:t' l;sfOsf nflu klg ljljw ljlw ckgfpg ;lsG5 . To;}n] lzIf0f ljlwsf] 5gf]6 ubf{ ;se/ ljljwtf sfod ug'{k5{ . l;sfO ;xhLs/0f ljlwsf] rog ubf{ d'Vo ¿kdf ljBfyL{sf] k"j{ 1fg, ?lr, Ifdtf, rfxgf, pgLx¿sf] txut :t/, ljifoj:t'sf] :j¿knufot pknAw x'g ;Sg] ;|f]t;fwg,

Page 68: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

63cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

jftfj/0fLo cj:yf, lzIfssf] ¿lr tyf tof/L OToflbnfO{ ljrf/ ug'{kb{5 .

cfwf/e"t lzIffcGtu{t sIff $–* sf] of] kf7\oj|mdf ;dfj]z ul/Psf ljifoj:t'x¿ k|of]ufTds k|s[ltsf ePsf]n] o;sf] l;sfO ;xhLs/0f k|lj|mof k/Dk/fut k4lteGbf km/s x'g'k5{ . l;sfO ;xhLs/0f ubf{ ljBfyL{ s]lGb|t lzIf0f l;sfO lqmofsnfkdf hf]8 lbO{ sIffnfO{ hLjGt agfpg / ljBfyL{nfO{ lqmofzLn agfpg lzIfsn] ;xhstf{sf] e"ldsf lgjf{x ug'{kg]{ 5 . ljBfyL{ s]lGb|t l;sfO lqmofsnfkaf6 l;sfO k|efjsf/L x'g], ljifoj:t'nfO{ b}lgs hLjgsf x/]s 36gqmdnfO{ afnaflnsfn] Jojxf/s'zn tyf hLjgf]kof]uL l;k cfh{g ug{ ;Sg] / pgLx¿df /x]sf] k|ltef k|ikm'6g ;xh x'g] ePsfn] l;sfO ;xhLs/0f lqmofsnfk ;~rfng ubf{ ljBfyL{ s]lGb|t / afnd}qL lzIf0f ljlw ckgfpg'kg]{ 5 . :yfgLo ljifosf] kf7\oj|mdsf ljifoj:t'x¿ :yfgLo 1fg, ;Lksf] ljsf; u/L cfjZostfg';f/ 3/, ljBfno, ;d'bfodf k|of]u ug]{ vfnsf ePsf]n] ;}4flGtseGbf u/]/ l;Sg] k|lqmofaf6 l;sfO ;xhLs/0f ug'{kg]{ x'G5 . o; ljifosf] l;sfO ;xhLs/0f ubf{ lgDg ljlw / tl/sfx¿ k|of]u ug{ ;lsG5 M

lzIf0f ljlw

-c_ k|of]ufTds ljlw -cf_ cjnf]sg ljlw -O_ 5nkmn ljlw -O{_ ;d:of ;dfwfg ljlw -p_ k|bz{g ljlw

-pm_ If]q e|d0f ljlw -C_ k|Zgf]Q/ ljlw -P_ 36gf cWoog ljlw

lzIf0f tl/sf tyf /0fgLlt

-c_ dl:tis dGyg -cf_ Uofn/L lx8fO -O_ ;f]Rg] hf]8L agfpg] cg'ej cfbfgk|bfg ug]{ -O{_ s]8An'Pn rf6{

-p_ 6L / Pd rf6{ -pm_ u|flkm6L -C_ lhU; -P_ 36gf k/:k/ lzIf0f

^=ljBfyL{ d"Nofª\sg

-s_ sIff !–# df ljBfyL{ d"Nofª\sg

lzIf0f l;sfO k|lqmofs} Pp6f cª\usf ¿kdf ljBfyL{sf] lgoldt ¿kdf ljBfyL{n] l;sfO pknlAw xfl;n u/] gu/]sf] n]vfhf]vf u/L ljBfyL{sf] l;sfOdf lg/Gt/ ;'wf/ u/L Go"gtd l;sfO:t/ k|flKtsf] ;'lglZrttf ug]{ kIfnfO{ o; kf7\oj|mdn] hf]8 lbPsf] 5 . o; k|sf/sf] d"Nofª\sgn] ljBfyL{nfO{ Go"gtd l;sfO:t/ k|flKtsf ;fy} pgLx¿nfO{ l;sfOdf lg/Gt/ k|ult ug{] cj;/ l;h{gf ug{ ;xof]u ub{5 . :yfgLo ljifodf /flvPsf ljifoj:t' tyf l;sfO pknlAw k"/f u/fpgsf] nflu sIffsf]7fsf] lzIf0f l;sfOsf] j|mddf ul/g] n]vfhf]vfsf] ;fy} ljBfyL{x¿nfO{ cfjZostfcg';f/ ;DalGwt If]qdf cjnf]sg, If]q e|d0f, kl/of]hgf tyf k|of]ufTds sfo{df ;d]t ;+nUg u/fO{ ;f]xLadf]lhd ljBfyL{n] l;sfO pknlAw xfl;n u/] gu/]sf] olsg / cfjZostfcg';f/ ;xhLs/0f ug'{kg]{ x'G5 . o:tf] d"Nofª\sgnfO{ d"ntM l;sfOsf nflu d"Nofª\sg cyf{t\ lgdf{0ffTds d"Nofª\sgsf ¿kdf k|of]u ul/g'kb{5 .

lgdf{0ffTds k|of]hgsf nflu ;~rfng ul/g] o:tf] d"Nofª\sgsf nflu ljBfyL{n] s] l;Sg] xf] eGg] s'/f lgwf{/0f ug'{kb{5 cyf{t\ ck]lIft l;sfO pknlAw to ug'{kb{5 . ljBfyL{n] s] l;Sg] eGg] s'/fsf] lgwf{/0f u/]kl5 ljBfyL{sf] l;sfOsf] jt{dfg cj:yf jf lglZrt l;sfO lqmofsnfk kl5sf] ljBfyL{sf] l;sfO cj:yf jf :t/ s] s:tf] 5 egL ljleGg ;fwg tyf dfWod k|of]u u/L kQf nufpg'k5{ . o;/L ljBfyL{sf] jt{dfg l;sfO cj:yf klxrfg ul/;s]kl5 l;sfOsf] lgwf{l/t nIodf s;/L k'Ug] eGg] dfu{ to ug'{kb{5 . o;/L ljBfyL{sf] ck]lIft l;sfO :t/ to ug{], l;sfOsf] jt{dfg cj:yf jf :t/ kQf nufpg] / s;/L ck]lIft l;sfO:t/ k|fKt ug{] egL to ug{] sfo{sf nflu ljBfyL{sf] lgdf{0ffTds d"Nofª\sg ul/G5 .

sIff !—# df ul/g] ljBfyL{ d"Nofª\sgnfO{ l;sfO k|lqmofs} cleGg cª\usf ¿kdf k|of]u ug'{kb{5 . o:tf] d"Nofª\sgsf] d'Vo p2]Zo ljBfyL{sf] l;sfO pknlAw tyf sdhf]/Lsf] lg/Gt/ n]vfhf]vf u/L l;sfO ;'wf/sf nflu k[i7kf]if0f k|bfg ug'{ xf] . o:tf] k[i7kf]if0f lbg] sfo{ b'O{ r/0fdf ug'{k5{ . klxnf] r/0fcGtu{t lgoldt l;sfO ;xhLs/0f kZrft\ d"Nofª\sg ug]{ / ljBfyL{sf] l;sfOsf] cj:yfsf] n]vfhf]vf ug]{ tyf bf];|f] r/0fdf l;sfO pknlAw xfl;n u/]sf] cj:yfsf] cfwf/df ck]lIft pknlAw k|fKt ug{ g;s]sf ljBfyL{sf sl7gfOsf If]q kQf nufO{ ;'wf/fTds l;sfO lqmofsnfk ;~rfng ug'{sf ;fy} k6sk6ssf ;'wf/fTds l;sfO lqmofsnfkaf6 klg l;sfO ;'wf/ x'g g;s]sf ljBfyL{x¿sf nflu pkrf/fTds l;sfO lqmofsnfk th'{df u/L l;sfOdf ;'wf/ ug'{kb{5 . sIffsf]7fdf cfwfl/t lgdf{0ffTds d"Nofª\sgn] k|To]s ljBfyL{nfO{ Go"gtd l;sfO:t/ k|fKt ug{] ;'lglZrttf u/L

Page 69: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

64 cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

dflyNnf]] l;sfO:t/ k|fKt ug{ ;xof]u ug'{kb{5 . o;af6 ljBfyL{x¿sf] sIff bf]x¥ofpg] qmdnfO{ Go"g u/L z}lIfs Iflt 36fpg ;xof]u k'Ugfsf ;fy} Go"gtd :t/sf] l;sfO ;'lglZrt eO{ yk l;sfOsf nflu cj;/ l;h{gf x'g] 5 .

-c_ d"Nofª\sg ljlw / k|lqmof

sIff !–# df lglZrt ;dofjlwdf ljBfyL{sf] l;sfOsf] n]vfhf]vf ug{] geO{ lg/Gt/, lgoldt tyf sIff lqmofsnfksf] cª\usf ¿kdf k|of]u ug'{kb{5 . sIffsf]7fdf l;sfO lqmofsnfksf] of]hgf tyf ;~rfng lgwf{l/t l;sfO pknlAw tyf ltgsf] lj:t[tLs/0fsf cfwf/df tL l;sfO pknlAw k|fKt ug{;Sg] lsl;dn] ug'{kb{5 . ljBfyL{ d"Nofª\sgdf klg tL l;sfO pknlAw ljBfyL{n] s] slt xfl;n ug{ ;s] eGg] n]vfhf]vf ug{ ;lsg] k|lqmof / ;fwg k|of]u ug'{k5{ . o:tf] d"Nofª\sg l;sfO lqmofsnfks} cleGg cª\usf ¿kdf lgoldt ¿kdf ;~rfng u/L ljBfyL{sf] l;sfO ;'wf/sf nflu lg/Gt/ k[i7kf]if0f k|bfg ug'{kb{5 .

sIff !–# sf k|To]s ljBfyL{sf] sfo{;~rlosf -Portfolio_ Jojl:yt u/L /flvg'k5{ . sfo{;~rlosf kmfOnnfO{ ljBfyL{sf] sIffsfo{, kl/of]hgf sfo{, k|of]ufTds sfo{, pknlAw k/LIff, ljBfyL{df cfPsf] Jofjxfl/s kl/jt{gsf] cjnf]sg, xflh/L cflbsf dfWodn] cBfjlws ug'{k5{ . ljBfnodf k7gkf7g ePsf ljifoj:t' / ljBfyL{sf] pknlAwsf af/]df k|To]s lyd jf If]qsf] k7gkf7g kZrft, ljifo If]qsf] cWoog k"/f u/]kl5 cleefjsnfO{ hfgsf/L k7fpg] Joj:yf u/L sfo{;~rlosfdf To;sf] clen]v pNn]v ug'{kg]{ 5 . o; txdf u[xsfo{nfO{ clgjfo{ gu/L sIffsfo{, kl/of]hgf sfo{ tyf k|of]ufTds sfo{nfO{ g} a9L hf]8 lbg] eP klg cfjZos eP s]xL u[xsfo{ klg lbg ;lsg] 5 t/ b}lgs / Ps} lbgdf ljleGg ljifoIf]qdf u[xsfo{ lbg' eg] pko'St xF'b}g . ljBfyL{sf] d"Nofª\sgdf oyfzSo jf:tljs sfo{sf] ;xL tl/sfn] d"Nof+sg ug]{ ;fwg ;dfj]z ug'{ pko'St x'g] 5 .

-cf_ d"Nofª\sgsf tl/sf / ;fwg

k/LIf0f ul/g] l;sfO pknlAw tyf ljifoj:t'sf] :j¿k, ljBfyL{sf] pd]/ tyf ?lr, pknAw ;|f]t tyf ;fwg, sIffdf ePsf ljBfyL{ ;ª\Vof, lzIfssf] Ifdtf tyf ?lr h:tf kIf ljrf/ u/]/ d"Nofª\sgsf tl/sf / ;fwgsf] 5gf]6 tyf ljsf; ug'{k5{ . d"Nofª\sgsf ljleGg tl/sf tyf ;fwg x'G5g\ . ljBfyL{ d"Nofª\sgsf nflu k|of]u ug{ ;lsg] sfo{ tyf ;fwgx¿af6 k|fKt ;"rgfnfO{ lglZrt :j¿kdf clen]vLs/0f ul/g'kb{5 . sIffsfo{, Jojxf/ kl/jt{g, l;h{gfTds sfo{, sIff ;xeflutf tyf ljBfyL{sf sfo{sf] k|bz{gsf] k/LIf0fsf] clen]vLs/0f lzIfssf] cjnf]sgsf] dfWodaf6 ug{ ;lsg] ePsfn] o;sf nflu pko'St cjnf]sg kmf/fd tof/ ug'{kb{5 . o;sf nflu ljleGg k|sf/sf ?h' ;"rL tof/ u/L ljBfyL{ k/LIf0f tyf d"Nofª\sg ul/G5 . ljBfyL{sf sfo{ tyf pknlAw;lxt pgLx¿sf ljleGg ljj/0f Jojl:yt tl/sfn] /fVg] u/L sfo{;~rlosf tof/ u/L ljBfyL{sf] k|ult s] slt dfqfdf / s] s;/L eO/x]sf] 5, s] s:tf l;sfO sdLsdhf]/L /x]sf 5g\ / tL sdLsdhf]/L x6fO{ l;sfOdf ;'wf/ s] s;/L ug{] eGg] sfo{sf nflu o;af6 ;xof]u k'Ub5 .

;fdfGotof :yfgLo ljifosf] k7gkf7gsf] qmddf ljBfyL{n] l;sfO pknlAw xfl;n u/] gu/]sf] n]vfhf]vf ug{sf] nflu sIff ;xeflutf, df}lvs sfo{, lnlvt sfo{, kl/of]hgf tyf k|of]ufTds sfo{, sfo{;Dkfbg tyf k|bz{g, ;xkf7L tyf :jd"Nofª\sg, cleefjs k|ltlqmof, s'/fsfgL tyf 5nkmn h:tf tl/sf cjnDag ug{ ;lsG5 . o;sf] nflu cjnf]sg kmf/fd, ?h' ;"rL, >]0fLdfkg, ?la|S;, df}lvs k|Zg h:tf d"Nofª\sgsf ;fwg k|of]u ug{ ;lsG5 .

-O_ ljBfyL{sf] l;sfO pknlAw:t/ / To;sf] ;fdfGo JofVof

pknlAw:t/ dfkg pknlAw:t/sf] ;fdfGo JofVof

sdhf]/ -Below basic) !d'Vo l;sfO pknlAw xfl;n ug{ g;s]sf], ;a}h;f] l;sfO pknlAwsf nflu ;'wf/fTds

l;sfO cfjZos ePsf]

;fdfGo (Basic) @ d'Vo l;sfO pknlAw cf+lzs ¿kdf xfl;n u/]sf] t/ ;'wf/fTds l;sfO cfjZos ePsf]

/fd|f] (Proficient) # d'Vo l;sfO pknlAw w]/} h;f] xfl;n u/]sf] / ;'wf/fTds l;sfO cfjZos ePsf]

pRr (Advanced) $ d'Vo l;sfO pknlAw xfl;n u/]sf] ;fy} dflyNnf] :t/sf] pknlAw xfl;n u/]sf]

klxnf] r/0fdf lgoldt l;sfO lqmofsnfksf ¿kdf ljBfyL{sf] l;sfOsf] d"Nofª\sg u/L ljBfyL{sf] l;sfO ;'wf/ ug'{kb{5 . d"Nofª\sgsf] bf];|f] r/0fdf s'g} l;sfO pknlAw xfl;n eof] jf ePg egL pNn]lvt tl/sf tyf ;fwgdWo] pko'St ;fwgx¿

Page 70: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

65cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

k|of]u u/L ljBfyL{sf] d"Nofª\sg u/L l;sfO:t/ clen]vLs/0f ug'{kb{5 . o;/L clen]lvt l;sfO:t/ ! jf @ dfq ePdf ;'wf/fTds l;sfOsf] of]hgf lgdf{0f u/L pknlAw:t/ $ k'¥ofpg] k|of; ug'{kb{5 . pknlAw:t/ # k|fKt u/]sf] ljBfyL{nfO{ ;d]t $ k'¥ofpg ;xof]u ug'{k5{ . k6s k6ssf] k|of;af6 klg s'g} ljBfyL{sf] pknlAw:t/df ;'wf/ x'g g;s]df o;sf] sf/0f vf]hL u/L pkrf/fTds l;sfOsf] of]hgf agfpg'kb{5 eg] cGonfO{ clu|d l;sfOdf ;l/s u/fpg'kb{5 . ;'wf/fTds l;sfO kl5 k'gM ljBfyL{sf] d"Nofª\sg u/L pknlAw:t/ lgwf{/0f u/]/ k'gMclen]vLs/0f ug'{k5{ . lglZrt l;sfO If]qsf l;sfO pknlAwsf] l;sfO k/LIf0fkZrft\ ;f] l;sfO If]qsf] cf};t l;sfO pknlAw;d]t u0fgf u/L ljBfyL{ / cleefjs;Fu 5nkmn u/L ljBfyL{sf ;antf tyf ;'wf/sf If]q Pjd\ pkfo klxrfg ug'{k5{ .

oxL qmddf ;a} ljifo If]qsf] l;sfOkZrft\ ;a} l;sfO pknlAwsf] k/LIf0f u/L k|To]s l;sfO pknlAwdf ljBfyL{sf] l;sfO:t/ ;lxt ljifo If]qut cf};t l;sfO pknlAw lgsfNg ;lsG5 . To;}u/L d'Vo Jojxf/ s'zn l;kdf ljBfyL{sf] pknlAw:t/ klg clen]lvt ug{ ;lsG5 . o;/L tof/ ul/Psf] clen]v g} ljBfyL{sf] jflif{s pknlAwsf] k|ltj]bg x'g] 5 . ljBfyL{sf] l;sfO pknlAwsf] o:tf] clen]v tyf k|ltj]bgsf] k|of]u lzIfs, ljBfyL{, cleefjs tyf ljBfnon]] ljBfyL{sf] l;sfO:t/sf] ;'lglZrtf ug{], l;sfO ;'wf/sf nflu k[i7kf]if0f k|bfg ug{ / efjL l;sfOsf nflu of]hgfsf nflu ul/G5 .

ljleGg lsl;dsf ckfª\utf ePsf ljBfyL{sf nflu pNn]lvt d"Nofª\sgsf tl/sf tyf ;fwgdWo] sltko pkof]uL gx'g klg ;Sb5g\ eg] sltko tl/sf tyf ;fwgx¿sf] k|of]udf leGgtf Nofpg'kg{] x'g ;Sb5 . lzIfsn] cfˆgf] sIffsf]7fdf ePsf ljBfyL{sf] ckfª\utfsf] lsl;d tyf :j¿kcg'¿k k|of]u ug{ ;lsg] d"Nofª\sgsf j}slNks tl/sf tyf ;fwgsf] tof/L u/L pko'St tl/sf tyf ;fwg k|of]u ug'{k5{ . d"Nofª\sgsf s'g} ;fwg pko'St gePs} cfwf/df s'g} klg ljBfyL{nfO{ l;sfOsf] d"Nofª\sg / k[i7kf]if0f k|fKt ug{] cj;/af6 jl~rt gx'g] u/L lzIfsn] j}slNks tl/sfx¿sf] vf]hL tyf tof/L ug'{kb{5 .

-O{_ pknlAw k|ltzt lgsfNg] ljlw tyf k|lqmof

;fdfGotof k|To]s l;sfO pknlAw dfkgkl5 glthf ljBfyL{nfO{ hfgsf/L u/fpg], lsg o:tf] eof] 5nkmn ug{], ljBfyL{nfO{ :jk|Tofjt{gsf] cj;/ lbg] / ;'wf/sf pkfo to ug'{kb{5 eg] k|To]s ljifo If]q jf lydsf] l;sfOkZrft\ k|To]s l;sfO pknlAWf / cf};t pknlAw;lxt cleefjs tyf lzIfsn] 5nkmn u/L l;sfO ;'wf/ tyf eflj l;sfOsf of]hgf to ug'{k5{ . k|To]s lydsf] l;sfOkl5 cleefjs;Fu 5nkmn ug'{ ljBfyL{sf] l;sfO ;'wf/sf b[li6n] pko'St eP klg 5f]6f]5f]6f] ;dosf] cGt/fndf cleefj;Fu 5nkmn ;a}sf nflu ;Dej gx'g ;Sg] s'/fnfO{ ljrf/ u/]/ tLgb]lv rf/ dlxgfsf] cGt/fndf ;f] cjlwsf] l;sfO ePsf lydsf] d"Nofª\sg glthf;lxt ljBfyL{sf] l;sfO k|ult tyf sl7gfOsf ljifodf cleefjs;Fu 5nkmn u/L cfjZostfg';f/ l;sfO ;'wf/sf pkfo klxrfg ug{ ;lsG5 . glthf / l;sfO ;'wf/ tyf efjL l;sfO of]hgf to ubf{ ;DalGwt ljBfyL{ ;an kIf, ?lr / sl7gfOnfO{ Wofg lbg'k5{ . o;sf nflu o; k|lqmofdf ljBfyL{nfO{ klg ;xefuL u/fpg'k5{ .

ljBfyL{ d"Nofª\sgsf] clen]v tyf sfo{;~rlosf Joj:yfkg

!= ljifoIf]qut ¿kdf k|To]s ljBfyL{sf] sfo{;~rlosf kmfOndf lgDgcg';f/ Jojl:yt u/L /fVg'k5{ M

• k|To]s lyd jf ljifoIf]qsf] d"Nofª\sg clen]v ljBfyL{sf] sfo{;~rlosf kmfOndf l;nl;nfa4 u/L /fVg'k5{ .

• sfo{;~rlosf kmfOndf ljBfyL{sf] JolStut, kfl/jfl/s tyf :jf:Yo;DaGwL ljj/0f, sIffsfo{, kl/of]hgf sfo{, pknlAw k|ltztsf clen]v, xflh/L ljj/0f, ljBfyL{sf] k|ult :ki6 x'g] ;xof]u k'Ug] vfndf ljBfyL{sf gd'gf sfo{ tyf l;h{gf ;doa4¿kdf l;nl;nf ldnfO{ /fVg'k5{ . o;df h'g;'s} sfo{ ;dfj]z gu/L pknlAw:t/ emNsfpg] k|ltlglw sfo{dfq ;dfj]z ug'{k5{ . o;df olt g} sfo{ ;dfj]z ug'{k5{ eGg' pko'St geP klg ljifoj:t'sf] k|To]s If]q jf lydaf6 ! b]lv # sfo{ tyf ;du|df ljifoIf]qut ¿kdf ul/g] kfFr j6f;Dd l;h{gfTds sfo{ ;dfj]z ug{' pko'St x'g;S5 .

• sfo{;~rlosf kmfOndf ;dfj]z ul/Psf sfo{ tyf clen]vsf] ;doa4 ;"rL leqL cfj/0f k[i7df /flvg'k5{ .

• k|To]s ljBfyL{sf] sIff ! df tof/ ul/Psf] sfo{;~rlosf kmfOnnfO{ g} sIff # ;Dd lg/Gt/ ug''{k5{ . lzIfs kl/jt{g ePdf kmfOn x:tfGt/0f ug'{k5{ .

@= ljBfyL{sf] sfo{;~rlosfnfO{ lgDgfg';f/ k|of]u ;lsG5 M

• lzIfsn] ljBfyL{sf] l;sfO k|ultsf] cg'udg ug{, l;sfO of]hgf tyf l;sfO ;'wf/sf] of]hgf agfpg

Page 71: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

66 cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

• ljBfyL{n] cfˆgf] sfo{ tyf l;sfO k|ult Pjd\ sdhf]/Lsf] hfgsf/L k|fKt u/L l;sfO ;'wf/df nfUg / cfˆgf] sfo{ tyf pknlAwaf/] cfTdljZjf; k}bf ug{ Pjd\ yk sfo{ tyf pknlAwsf nflu k|f]T;flxt x'g

• cleefjsn] ljBfyL{n]] sfo{ tyf l;sfO k|ult tyf sdhf]/Lsf] hfgsf/L k|fKt u/L l;sfO ;'wf/df ;xof]u ug{

• ljBfnon] ljBfyL{sf] l;sfOsf] k|df0fsf ¿kdf lnO{ clu|d l;sfO cj;/ k|bfg ug{, ;a} ljBfyL{nfO{ k|f]T;fxg ug{, lzIfs ljsf; tyf k|f]T;fxg sfo{sf] of]hgf ug{ / hjfkmb]lxtf JoSt ug{

• ljBfno Joj:yfkgn] ljBfno ;d'bfo ;'wf/ u/L l;sfO jftfj/0f ;'wff/ ug{

ljifo If]qut ¿kdf d"Nofª\sg ug]{ tl/sf tyf clen]v kmf/fd

1= d'Vo l;sfO pknlAwnfO{ ljBfyL{sf] l;sfO :t/cg';f/ ! b]lv $ ;Dd /]l6ª ug'{k5{ .

2= x/]s d'Vo l;sfO pknlAwsf] xfl;n eof] jf ePg egL olsg ug'k5{ . o;sf nflu Pp6f l;sfO pknlAw k/LIf0f ug{ PseGbd a9L d"Nofª\sg ;fwg cfjZos x'g klg ;Sb5 eg] sltko cj:yfdf Pp6} ;fwg jf Ps}k6ssf] k/LIf0faf6 PseGbf a9L l;sfO pknlAw klg k/LIf0f ug{ ;lsg] s'/fnfO{ lzIfsn] ljrf/ ug'{kb{5 .

3= ;a} ljBfyL{n] Go"gtd l;sfO:t/ k|fKt u/L dflyNnf]:t/sf] l;sfOsf] cj;/ k|bfg ug{ d"Nofª\sgn] ;xof]u ug''{kb{5 . o;sf nflu lgoldt l;sfO k|lqmofkl5 ul/Psf] d"Nofª\sgdf s'g} l;sfO pknlAwdf ! jf @ :t/ dfq xfl;n ug{ ;s]df ;'wf/fTds l;sfO u/L pknlAw j[l4sf]] ;'lglZrt ul/g'kb{5 . o;sf nflu ;'wf/fTds l;sfOkZrft\ ljBfyL{sf] k'gM d"Nofª\sg u/L kmf/fddf pNn]vePcg';f/ clen]lvt ug'k5{ .

4= ;fdfGotof ;a} -k|To]s_ ljBfyL{sf] l;sfO:t/ Go"gtd $ k'¥ofpg] u/L ;'wf/fTds l;sfO lqmofsnfk ;~rfng ug{'kb{5 . t;y{ s'g} klg ljBfyL{nfO{ l;sfO:t/ !, @ jf # d} 5f8\g eg] x'Fb}g . s'g} ljBfyL{ k6sk6ssf] ;'wf/fTds l;sfOaf6 klg l;sfO:t/ ! tyf @ eGbf dfly hfg ;s]g eg] To;sf sf/0f klxrfg u/L ;'wf/sf pkfo klxrfg ug{] / l;sfO ;'wf/ ug{] k|of]hgsf nflu pkrf/fTds lzIf0f l;sfO cfjZos x'g;S5 . pknlAw:t/ # k|fKt ug{] ljBfyL{nfO{ klg d'Vo tyf dflyNnf] pknlAw xfl;n ug{{] cj;/ k|bfg ul/g'kb{5 . lzIf0f l;sfOsf qmddf pknlAw:t/ $ k'¥ofpg' ck]lIft 5 .

5= ljifoIf]q tyf lydcGtu{tsf l;sfO pknlAwsf] cª\sg ul/;s]kl5 ljifoIf]q tyf lydsf] ;du| pknlAw k|ltzt lgDgcg';f/ lgsfNg'k5{ M

If]qut jf lydut pknlAw k|ltzt Ö pknlAw:t/sf] cª\ssf] hf]8

$x d"NofÍg ul/Psf] l;sfO pknlAwx?sf] ;+Vof x!))

pknlAw k|ltztnfO{ cIf/fª\sg;Fu ldnfg u/L lgDgcg';f/ k|:t't ug'{kg]{ 5 M

pknlAw k|ltzt cIf/df pknlAw:t/ pknlAw:t/sf] JofVof

#) eGbf sd E Hofb} sdhf]/

#) / ;f] eGbf dfly $% eGbf sd D sdhf]/

$% / ;f] EfGbf dfly ^) eGbf sd C ;fdfGo

^) / ;f] eGbf dfly &% eGbf sd B /fd|f]

&% / ;f] eGbf dfly () eGbf sd A pRr

() / ;f] eGbf dfly A+ pTs[i6

^= sIffsf] cGtdf ;a} l;sfO pknlAwdf k|fKt pknlAw:t/sf] cª\ssf cfwf/df ljBfyL{sf] ljifoIf]qut;du| pknlAw:t/ lgwf{/0f ug{ ;lsG5 . ljifoIf]qut ;du| pknlAw k|ltzt lgDgcg';f/ lgsfNg'k5{ M

ljifoIf]qut ;du| pknlAw k|ltzt Ö pknlAw:t/sf] cª\ssf] hf]8

$x d"NofÍg ul/Psf] l;sfO pknlAwx?sf] ;+Vof x!))

Page 72: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

67cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

cg';"rL ! :yfgLo ljifosf] lydut pknlAw ljj/0fd"Nofª\sg clen]vLs/0f kmf/fd

ljBfyL{ d"Nofª\sg dfkgsf cfwf/ M lgDglnlvt cfwf/df ljBfyL{sf] l;sfO:t/sf] dfkg !, @, # jf $ u/L sIff tyf If]q / lydcg';f/ pNn]lvt l;sfO pknlAwdf ljBfyL{sf] l;sfO:t/ dfkg u/L cfPsf] pknlAw:t/sf] cª\s -!, @, # jf $_ r9fpg'xf];\ . l;sfO pknlAw dfkg ubf{ k|To]s l;sfO pknlAwdf xfl;n u/]sf] :t/ olsg u/L !, @, # jf $ dWo] s'g :t/ 5 To;nfO{ cª\sg dxndf r9fpg'xf];\ . kmf/fdsf] s}lkmot dxndf pNn]lvtafx]s cGo ;fwg tyf tl/sf k|of]u u/]sf] eP pNn]v ug'{xf];\ . of] clen]v kmf/fddf d"Nofª\sg glthfsf cfwf/df k|To]s ljBfyL{sf] cnu cnu e/L ljBfyL{sf] sfo{;~rlosf -Portfolio_ df Jojl:yt u/]/ /fvL cfjZostfg';f/ ljBfyL{sf] l;sfO ;'wf/ ug{] sfo{df k|of]u ug'{k5{ . k|To]s l;sfO pknlAwdf rf/ j6f ;"rs lgwf{/0f ul/Psf] x'gfn] k"/f u/]sf] ;"rscg';f/sf] cª\s k|bfg ug'{k5{ . lydut ¿kdf lbOPsf k|To]s l;sfO pknlAw xfl;n eP gePsf] n]vfhf]vf d"Nofª\sgsf nflu cjnf]sg, df}lvs k|Zgf]Q/, lnlvt sfo{, sIffsfo{, u[xsfo{, 5f]6fsIff k/LIff, kl/of]hgf sfo{dWo] s'g} jf cGo s'g} pko'St ;fwg k|of]u ug{ ;lsG5 . tkl;nsf kmf/fddf s]xL ;DefJo ;fwgdfq pNn]v ul/Psf 5g\ . oL afx]s s'g ;fwgåf/f d"Nofª\sg ul/Psf] xf] tL ;fwgnfO{ kmf/fddf pNn]v ug'{k5{ . ljBfyL{sf] d"Nofª\sg b'O{ r/0fdf ug'{k5{ . lgoldt l;sfO kZrft / yk ;xfotf kZrft . lgoldt l;sfO kZrft s'g} ljBfyL{sf] s'g} l;sfO pknlAwdf !, @ jf # cfPdf yk ;xof]u ug'{kg]{ x'G5 / yk ;xfotf kZrft\ k'gM d"Nofª\sg u/L k|fKt pknlAwsf] clen]vLs/0f ug'{k5{ . o;sf] nflu k|To]s l;sfO pknlAwdf ljBfyL{sf] pknlAw:t/sf] ;xL dfkg ug{ ?la|S; agfpg ;lsG5 . pbfx/0fsf] nflu oxfF klxnf] lyd xfd|f] af/alb{ofsf] l;sfO pknAw ! nfO{ rf/ j6f lgDg lnlvt ;"rs agfPsf] 5 M

l;sfO pknlAw ;"rs

cfˆgf] kl/jf/sf ;b:o tyf cfkm" a;]sf] ufpF6f]nsf] gfd eGg

cfˆgf] kl/jf/sf ;a} ;b:osf] gfd eGg ;s]df tyf cfkm" a;]sf] ufpF6f]nsf] gfd eGg ;s]df

cfˆgf] kl/jf/sf w]/}h;f] ;b:osf] gfd eGg ;s]df tyf cfkm" a;]sf] ufpF6f]nsf] gfd eGg ;s]df

cfˆgf] kl/jf/sf s]xL ;b:osf] gfddfq atfpg ;s]sf] tyf cfkm" a;]sf] ufpF6f]nsf] gfd eGg ;s]df

cfˆgf] kl/jf/sf s]xL ;b:osf] gfd eGg ;s]df t/ cfkm" a;]sf] ufpF6f]nsf] gfd eGg g;s]df

l;sfO pknlAwsf] :t/

$ # @ !

sIff M ! ljifo M :yfgLo ljBfyL{sf] gfd M /f]ngDa/ M != xfd|f] af/alb{of

l;sfO pknlAw d"Nofª\sgsf ;DefJo ;fwg

lgoldt k9fOkl5sf] d"Nofª\sg

yk ;xfotfkl5sf] d"Nofª\sg

ldlt cª\sg ldlt cª\sg

!= cfˆgf] kl/jf/sf ;b:o tyf cfkm" a;]sf] ufpF6f]nsf] gfd eGg

k|Zgf]Q/

@= cfˆgf] ufpF6f]nsf] jl/kl/sf] ufpF6f]nsf] gfd eGg k|Zgf]Q/

#= cfˆgf ufpF j/k/ /x]sf] gbL, vf]nf / af6fsf] gfd eGg cjnf]sg / k|Zgf]Q/

$= cfkm' k9g] ljBfno / l5d]sL ljBfnosf] gfd eGg k|Zgf]Q/

%= xfd|f] ufFp6f]ndf /x]sf] wfld{s :ynsf] gfd eGg k|Zgf]Q/

^= cfˆgf] 3/ glhs} /x]sf ahf/ -lsgd]n ug]{ 7fpF_ eGg k|Zgf]Q/ / cjnf]sg

&= cfˆgf] ufpF6f]nsf] :jf:Yo :jo+;]ljsfsf] gfd eGg / lrGg cjnf]sg / k|Zgf]Q/

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt

Page 73: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

68 cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

@= xfd|f] ;+:sf/ / ;+:s[lt

l;sfO pknlAw d"NofÍgsf] ;fwg

lgoldt k9fOkl5sf] d"NofÍg

yk ;xfotfkl5sf] d"NofÍg

ldlt cÍg ldlt cÍg

!= cfk\mgf] ufpF6f]ndf a;f]af; ug]{ hfthfltsf] gfd eGg k|Zgf]Q/

@= ufpF6f]nsf hfthflt larsf] ;f+:s[lts leGgtf eGg k|Zgf]Q/

#= ufpF6f]ndf af]lng] d'Vo efiff klxrfg ug{ k|Zgf]Q/

$= yf¿ hfltsf kf];fssf] gfd eGg / nufpg] tl/sf eGg k|Zgf]Q/ / cjnf]sg

%= yf¿ hfltsf uxgfsf] gfd eGg / nufpg] tl/sf eGg k|Zgf]Q/

^= 3/df agfO{g] vfgfsf kl/sf/sf] gfd eGg k|Zgf]Q/

&= :yfgLo nf]s afhf klxrfg ug{ cjnf]sg / k|Zgf]Q/

*= :yfgLo nf]suLt klxrfg / ;fdfGo ufpg] cEof; ug{ cjnf]sg / k|Zgf]Q/

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt

#= xfd|f :yfgLo k];f, Joj;fo, ko{6g / cfly{s lj|mofsnfk

l;sfO pknlAw d"NofÍgsf] ;fwg

lgoldt k9fOkl5sf] d"NofÍg

yk ;xfotfkl5sf] d"NofÍg

ldlt cÍg ldlt cÍg

!= cfˆgf] cleefjsn] ug]{ d'Vo sfdsf] gfd eGg k|Zgf]Q/

@= cfˆgf] 3/df jif{el/ pTkfbg x'g] afnLsf] gfd eGg k|Zgf]Q/

#= ufFp6f]ndf 3'Dg nfos :yfgx¿sf] gfd eGg k|Zgf]Q/ / cjnf]sg

$= 3/df pTkfbg ePsf j:t'x¿ laqmL ug]{ :yfg klxrfg ug{ k|Zgf]Q/ / cjnf]sg

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt

$= :jf:Yo / v]ns'b

l;sfO pknlAw d"Nofª\sgsf] ;fwg

lgoldt k9fOkl5sf]

d"Nofª\sg

yk ;xfotfkl5sf]

d"Nofª\sg

ldlt cª\sg ldlt cª\sg

!= z/L/sf cª\usf] ;/;kmfO ug{ cjnf]sg

@= JolStut ;/;kmfOsf] nflu cfjZos ;fdUf|Lsf] gfd eGg k|Zgf]Q/

#= ;/;kmfO ug'{kg]{ :yfgsf] ;"rL agfpg k|Zgf]Q/

$= cfˆgf] / 3/sf] ;/;kmfOsf] ug'{kg]{ sf/0f eGg tyf ;/;kmfOdf

;xefuL x'gk|Zgf]Q/ / cjnf]sg

%= :yfgLo v]n klxrfg ug{ / v]Ng] cEof; ug{ k|Zgf]Q/ / v]ns'b

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf]

pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt

Page 74: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

69cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

%= ljkb\ Joj:yfkg, jftfj/0f / xl/t ljBfno

l;sfO pknlAw d"Nofª\sgsf] ;fwglgoldt k9fOkl5sf]

d"Nofª\sg yk ;xfotfkl5sf]

d"Nofª\sg

ldlt cª\sg ldlt cª\sg

!= :yfgLo:t/df x'g;Sg] ljkb klxrfg ug{ -af9L, cfunfuL_ cjnf]sg / k|Zgf]Q/

@= 3/ tyf :yfgLo:t/df kflng] 3/kfn'jf hgfj/sf] gfd eGg k|Zgf]Q/

#= 3/ tyf ljBfnosf] afn au}Frfdf ePsf la?jfsf] klxrfg ug{ k|Zgf]Q/ / cjnf]sg

$= :yfgLo If]qdf kfOg] af]6lj?jfsf] gfd eGg k|Zgf]Q/ / cjnf]sg

%= 3/ tyf ljBfnodf ul/g] j[Iff/f]k0fdf ;xof]u ug{ cjnf]sg

^= 3/ tyf ljBfnodf ePsf af]6la?jfsf] ;+/If0fdf ;xof]u ug{ cjnf]sg

&= km"naf/L] tyf af]6la?jfsf] x]/rfx ug{ cjnf]sg

*= :yfgLo If]qdf ePsf hn;|f]tsf] gfd eGg k|Zgf]Q/

(= JolStut, 3/, cfFug, ljBfno, jl/kl/sf] jftfj/0fsf] ;/;kmfOdf ;xefuL x'g

cjnf]sg

!)= kmf]xf]/d}nfsf] klxrfg ug{ k|Zgf]Q/ / cjnf]sg

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt

^= hLjg pkof]uL l;k / dfgj d"Nodf cfwfl/t lzIff

l;sfO pknlAw d"Nofª\sgsf] ;fwg

lgoldt k9fOkl5sf]

d"Nofª\sg

yk ;xfotfkl5sf]

d"Nofª\sg

ldlt cª\sg ldlt cª\sg

!= ;d"xdf ldn]/ a:g cjnf]sg

@= ;fyL / 3/ kl/jf/sf ;b:ox¿nfO{ ;fdfGo ;xof]u ug{ cjnf]sg

#= :jJoj:yfkg l;ksf] ljsf; ug{ k|Zgf]Q/ / cjnf]sg

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf]

pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt

&= :yfgLo JolSTfTj / ;fdflhs ;+:yf

l;sfO pknlAw d"Nofª\sgsf] ;fwg

lgoldt k9fOkl5sf]

d"Nofª\sg

yk ;xfotfkl5sf]

d"Nofª\sg

ldlt cª\sg ldlt cª\sg

!= cfˆgf] 6f]n / ;d'bfosf] g]Q[Tj ug]{ JolStx¿sf] klxrfg ug{ cjnf]sg / k|Zgf]Q/

@= :yfgLo ;fdflhs ;+:yfsf] klxrfg ug{ cjnf]sg

#= cfˆgf] ljBfnosf] 5f]6f] kl/ro lbg k|Zgf]Q/ / cjnf]sg

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf]

cª\ssf] hf]8

pknlAw k|ltzt

Page 75: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

70 cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

sIff M @ ljifo M :yfgLo ljBfyL{sf] gfd M /f]ngDa/ M != xfd|f] af/alb{of

l;sfO pknlAw d"Nofª\sgsf] ;fwglgoldt k9fOkl5sf]

d"Nofª\sg yk ;xfotfkl5sf]

d"Nofª\sg

ldlt cª\sg ldlt cª\sg

!= cfkm' a:g] j8fsf] j8f gDa/ / j8f sfof{nosf] 7]ufgf eGg cjnf]sg

@= af/alb{of gu/kflnsfsf] gfd, gu/ sfo{kflnsf /x]sf] 7]ufgf / :yfkgf ePsf] ;fn eGg

k|Zgf]Q/ / cjnf]sg

#= alb{of lhNnfsf] gS;fdf af/alb{of gu/kflnsf 5'6\ofpg k|Zgf]Q/

$= cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg lnlvt tyf k|Zgf]Q/

%= cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg k|Zgf]Q/

^= ufpF6f]n glhs /x]sf :jf:Yo k|bfos ;+:yf, lSnlgssf] gfd / 7]ufgf eGg k|Zgf]Q/

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt

@= xfd|f] ;+:sf/ / ;+:s[lt

l;sfO pknlAw d"Nofª\sgsf] ;fwglgoldt k9fOkl5sf]

d"Nofª\sg yk ;xfotfkl5sf]

d"Nofª\sg

ldlt cª\sg ldlt cª\sg

!= j8fleqsf hfthfltsf] y/ eGg k|Zgf]Q/

@= cfkm" / cfˆgf] ;fyLn] af]Ng] efiffdf kl/lrt x'g k|Zgf]Q/

#= j8fleq af]lng] efiffx¿ eGg k|Zgf]Q/

$= j8fleqsf hfthfltn] nufpg] kf];fs klxrfg ug{ k|Zgf]Q/ / cjnf]sg

%= :yfgLo e]ife"iffsf] kl/ro lbg k|Zgf]Q/

^= :yfgLo rf8kj{sf] gfd eGg, dgfpg] hflt / gfd eGg k|Zgf]Q/

&= :yfgLo nf]suLt ufpg] hfthfltsf] klxrfg ug{ / tL hfthfltn] ufpg] d'Vo nf]suLt ufpg] cEof; ug{

cjnf]sg / k|Zgf]Q/

*= :yfgLo nf]safhfdWo] s''g} d'Vo Ps afhf ahfpg] cEof; ug{ cjnf]sg / k|Zgf]Q/

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt

#= xfd|f :yfgLo k];f, Joj;fo, ko{6g / cfly{s lqmofsnfk

l;sfO pknlAw d"Nofª\sgsf] ;fwglgoldt k9fOkl5sf]

d"Nofª\sg yk ;xfotfkl5sf]

d"Nofª\sg

ldlt cª\sg ldlt cª\sg

!= ufFp6f]nsf JolQmx¿n] ug]{ d'Vo k];f tyf Joj;fosf] gfd eGg k|Zgf]Q/

@= cfˆgf] 3/df jif{el/ pTkfbg ug{ ;lsg] t/sf/L tyf kmnkm"nsf] gfd eGg / ;fdfGo lrq sf]g{

k|Zgf]Q/ / cjnf]sg

#= j8fdf 3'Dg nfos :yfgx¿sf] gfd eGg k|Zgf]Q/ / cjnf]sg

$= b}lgs lsgd]n ug]{ :yfgsf] gfd eGg / ltgLx¿sf] ;fdfGo ljj/0f eGg

k|Zgf]Q/ / cjnf]sg

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

Page 76: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

71cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

$= :jf:Yo / v]ns'b

l;sfO pknlAw d"Nofª\sgsf] ;fwglgoldt k9fOkl5sf]

d"Nofª\sg yk ;xfotfkl5sf]

d"Nofª\sg

ldlt cª\sg ldlt cª\sg!= cfˆgf] z/L/sf] ;/;kmfO ug{ cjnf]sg

@= JolSt ;/;kmfOsf] dxTj eGg k|Zgf]Q/

#= b}lgs ¿kdf ul/g] ;/;kmfOsf] :f"rL agfpg k|Zgf]Q/

$= 3/ tyf ljBfnosf] ;/;kmfOdf ;xefuL x'g k|Zgf]Q/ / cjnf]sg

%= :yfgLo v]nx¿ v]Ng] cEof; ug{ / dxTj eGg k|Zgf]Q/ / cjnf]sg

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

%= ljkb\ Joj:yfkg, jftfj/0f / xl/t ljBfno

l;sfO pknlAw d"Nofª\sgsf] ;fwglgoldt k9fOkl5sf]

d"Nofª\sg yk ;xfotfkl5sf]

d"Nofª\sgldlt cª\sg ldlt cª\sg

!= af9L / cfunfuLsf] kl/ro lbg k|Zgf]Q/

@= j8f leqsf jgdf kfO{g] jGohGt' / r/fx¿sf] gfd eGg k|Zgf]Q/

#= :yfgLo If]qdf kfOg] af]6la?jfsf] juL{s/0f ug{ k|Zgf]Q/ / cjnf]sg

$= au}Frfsf] kl/ro lbg k|Zgf]Q/

%= 3/ / ljBfnodf j[Iff/f]k0fdf ;xefuL x'g cjnf]sg

^= af]6la?jfsf] ;+/If0fdf ;xof]u ug{ cjnf]sg

&= j8fdf ePsf hg;|f]tsf] kl/ro lbg k|Zgf]Q/

*= JolStut, 3/, cfFug, ljBfno, jl/kl/sf] jftfj/0fsf] ;/;kmfOdf ;xefuL x'g

cjnf]sg

(= j/k/sf] jftfj/0f kmf]xf]/ x'g] sf/0f klxrfg ug{ cjnf]sg / k|Zgf]Q/

!)= kmf]xf]/d}nfsf] kl/ro / k|sf/ -s'lxg] / gs'lxg]_ eGg k|Zgf]Q/ / cjnf]sg

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt

^= hLjg pkof]uL l;k / dfgj d"Nodf cfwfl/t lzIff

l;sfO pknlAw d"Nofª\sgsf] ;fwglgoldt k9fOkl5sf]

d"Nofª\sg yk ;xfotfkl5sf] d"Nofª\sg

ldlt cª\sg ldlt cª\sg

!= cleefjsf, lzIfs / dfGohgk|lt gd| Jojxf/ / ;Ddfg JoQm ug{ cjnf]sg

@= 3/ / ljBfnodf cg'zf;g / cfr/0fsf] kfngf ug{ cjnf]sg

#= cfkm"n] hfg]sf s'/fx¿sf] ;~rf/ ug{ k|Zgf]Q/ / cjnf]sg

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

Page 77: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

72 cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

&= :yfgLo JolSTfTj / ;fdflhs ;+:yf

l;sfO pknlAw d"Nofª\sgsf] ;fwglgoldt k9fOkl5sf] d"Nofª\sg

yk ;xfotfkl5sf] d"Nofª\sg

ldlt cª\sg ldlt cª\sg

!= cfˆgf] 6f]n / ;d'bfosf] g]Q[Tj ug]{ JolStx¿sf] kl/ro lbg cjnf]sg / k|Zgf]Q/

@= ufpFsf] d"n a/3/sf] lrgf/L lbg cjnf]sg / k|Zgf]Q/

#= lJf=Jo=;= cWoIfsf] kl/ro lbg k|Zgf]Q/ / cjnf]sg

$= ;fd'bflos jg pkef]Qmf ;d"xsf] kl/ro lbg k|Zgf]Q/

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt

Page 78: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

73cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

d"Nofª\sg clen]vLs/0f kmf/fd

sIff M # ljifo M :yfgLo ljBfyL{sf] gfd M /f]ngDa/ M != xfd|f] af/alb{of

l;sfO pknlAw d"Nofª\sgsf] ;fwg

lgoldt k9fOkl5sf] d"Nofª\sg

yk ;xfotfkl5sf] d"Nofª\sg

ldlt cª\sg ldlt cª\sg

!= af/alb{of gu/kflnsfsf] ef}uf]lns cj:yfsf] ;fdfGo hfgsf/L lbg k|Zgf]Q/ / cjnf]sg

@= n'lDagL k|b]zsf] gS;fdf af/alb{of gu/kflnsf 5'6\ofpg cjnf]sg

#= gu/leqsf d'Vo d'Vo ;8ssf] gfd / cjl:ylt eGg k|Zgf]Q/ / cjnf]sg

$= cfˆgf] j8fleq /x]sf ;fd'bflos jgsf] gfd / ltgLx¿sf] dxTj eGg k|Zgf]Q/ / cjnf]sg

%= gu/kflnsfleq /x]sf] d'Vo tfn / ltgLx¿sf] cjl:ylt eGg k|Zgf]Q/ / cjnf]sg

^= cfkm" a;f]af; ug]{ j8fsf j8fWoIf / ;b:ox¿sf] gfd eGg k|Zgf]Q/

&= cfkm' a;f]af; ug]{ j8f leq /x]sf :jf:Yo k|bfos ;:yf, lSnlgssf] gfd / 7]ufgf eGg

k|Zgf]Q/

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt

@= xfd|f] ;+:sf/ / ;+:s[lt

l;sfO pknlAw d"Nofª\sgsf] ;fwg

lgoldt k9fOkl5sf] d"Nofª\sg

yk ;xfotfkl5sf] d"Nofª\sg

ldlt cª\sg ldlt cª\sg

!= gu/leqsf hfthflt klxrfg ug{ k|Zgf]Q/

@= gu/leq af]lng] efiff klxrfg ug{ k|Zgf]Q/

#= gu/leqsf hfthfltn] nufpg] kf];fs klxrfg ug{ k|Zgf]Q/

$= :yfgLo hfltn] ug]{ k"hf -s'nk"hf_sf] kl/ro lbg / dxTj eGg k|Zgf]Q/ / cjnf]sg

%= :yfgLo nf]suLt ufpg] cEof; ug{ k|Zgf]Q/

^= :yfgLo nf]safhf ahfpg] cEof; ug{ k|Zgf]Q/

&= :yfgLo nf]s g[Tosf] klxrfg ug{ cjnf]sg / k|Zgf]Q/

*= s'g} Ps :yfgLo nf]suLtdf g[To cEof; ug{ cjnf]sg / k|Zgf]Q/

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt

#= xfd|f :yfgLo k];f, Joj;fo, ko{6g / cfly{s lqmofsnfk

l;sfO pknlAw d"Nofª\sgsf] ;fwglgoldt k9fOkl5sf]

d"Nofª\sg yk ;xfotfkl5sf]

d"Nofª\sg

ldlt cª\sg ldlt cª\sg!= ufpF6f]ndf k|rlnt x:tsnfsf ;fdu|L klxrfg ug{ k|Zgf]Q/@= :yfgLo:t/df pTkfbg x'g] df};dcg';f/sf] t/sf/L / kmnkm"n

klxrfg ug{ / ltgsf] dxTj eGg k|Zgf]Q/ / cjnf]sg

#= gu/leq 3'Dg nfos :yfg klxrfg ug{ / ltgsf] ;fdfGo ljj/0f eGg k|Zgf]Q/ / cjnf]sg

$= ufpF3/df pTkflbt j:t' laqmL ug]{ :yfgsf] kl/ro lbg k|Zgf]Q/ / cjnf]sg

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt

Page 79: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

74 cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

$= :jf:Yo / v]ns'b

l;sfO pknlAw d"Nofª\sgsf] ;fwglgoldt k9fOkl5sf]

d"Nofª\sg yk ;xfotfkl5sf]

d"Nofª\sgldlt cª\sg ldlt cª\sg

!= :j:y z/L/sf] nflu cfjZos kg]{ tTjx¿ klxrfg ug{ k|Zgf]Q/

@= ;/;kmfO ubf{ x'g] kmfObf / gubf{ x'g] c;/ klxrfg ug{ k|Zgf]Q/ / cjnf]sg

#= cfˆgf] j/k/sf] jftfj/0fsf] ;/;kmfOdf ;xefuL x'g k|Zgf]Q/ / cjnf]sg

$= ;Gt'lnt ef]hgsf] kl/ro lbg k|Zgf]Q/

%= :yfgLo v]n v]Ng] cEof; ug{ / v]n v]Nbf x'g] kmfObfx¿ klxrfg ug{ k|Zgf]Q/ / cjnf]sg

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt%= ljkb\ Joj:yfkg, jftfj/0f / xl/t ljBfno

l;sfO pknlAw d"Nofª\sgsf] ;fwglgoldt k9fOkl5sf]

d"Nofª\sg yk ;xfotfkl5sf]

d"Nofª\sgldlt cª\sg ldlt cª\sg

!= af9L / cfunfuL x'g] sf/0f eGg k|Zgf]Q/

@= gu/kflnsfsf jgdf kfOg] jGohGt' / r/f klxrfg ug{ k|Zgf]Q/ / cjnf]sg

#= :yfgLo af]6la?jfsf] kl/ro lbg k|Zgf]Q/ / cjnf]sg

$= :yfgLo Aff]6lj?jfsf] dxTj tyf pkof]u eGg k|Zgf]Q/

%= ljBfnodf au}Frfsf] cfjZostf / dxTj eGg k|Zgf]Q/

^= 3/ / ljBfnodf afn au}Frfsf] lgdf{0fdf ;xof]u / x]/rfx ug{ cjnf]sg

&= 3/ / ljBfnodf hn;|f]tsf] pkof]u ug]{ tl/sf eGg / ;b'kof]u ug{ k|Zgf]Q/ / cjnf]sg*= kmf]xf]/d}nf Joj:yfkgsf] kl/ro lbg k|Zgf]Q/ (= ljBfnodf kmf]xf]/d}nfsf] juL{s/0f / Joj:yfkg -s'lxg], gs'lxg] /

t/n_ df ;xof]u ug{cjnf]sg / k|Zgf]Q/

!)=3/, 5/l5d]s, ljBfno tyf ;d'bfosf] ;/;kmfOdf ;xefuL x'g k|Zgf]Q/ / cjnf]sg

!!= j/k/sf] jftfj/0f ;kmf /fVg] pkfo klxrfg / ;/;kmfO sfo{df ;xefuL x'g k|Zgf]Q/ / cjnf]sgcleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8pknlAw k|ltzt

^= hLjg pkof]uL l;k / dfgj d"Nodf cfwfl/t lzIff

l;sfO pknlAw d"Nofª\sgsf] ;fwglgoldt k9fOkl5sf]

d"Nofª\sg yk ;xfotfkl5sf]

d"Nofª\sgldlt cª\sg ldlt cª\sg

!= c¿k|lt bof, dfof, s?0ffsf] efj k|s6 ug]{ l;ksf] ljsf; ug{ cjnf]sg

@= cfTdlge{/ x'g] afgLsf] ljsf; ug{ cjnf]sg

#= ;xof]ufTds tyf ;xsfo{fTds l;ksf] k|of]u ug{ k|Zgf]Q/ / cjnf]sg

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt

&= :yfgLo JolSTfTj / ;fdflhs ;+:yf

l;sfO pknlAw d"Nofª\sgsf] ;fwglgoldt k9fOkl5sf]

d"Nofª\sg yk ;xfotfkl5sf]

d"Nofª\sgldlt cª\sg ldlt cª\sg

!= cfˆgf] 6f]n / ;d'bfosf] g]Q[Tj ug]{ JolStx¿sf] of]ubfg eGg cjnf]sg

@= j8f cWoIf / ;b:ox¿sf] gfd eGg k|Zgf]Q/

#= j8fleq ;~rflnt :jf:Yo ;+:yfsf ;]jfsf] hfgsf/L k|fKt ug{ k|Zgf]Q/ / cjnf]sg

$= ufpFleq /x]sf cfdf ;d"x / afnSnasf] klxrfg ug{ / kl/ro lbg k|Zgf]Q/

Page 80: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

75cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

cleefjssf] b:tvt lzIfssf] b:tvt

ldlt M

ljBfyL{n] k|fKt u/]sf] pknlAw:t/sf] cª\ssf] hf]8

pknlAw k|ltzt-v_ ljBfyL{ d"Nofª\sg -sIff $–*_kf7\oj|mdn] ck]Iff u/]sf ;Ifdtf / l;sfO pknlAw xfl;n eP gePsf] ;'lgZrt ug{ lgdf{0ffTds / lg0f{ofTds d"Nofª\sg cjnDag ul/g] 5 . lgdf{0ffTds d"Nofª\sgsf] d'Vo p2]Zo lg/Gt/ d"Nofª\sg / k[i7kf]if0fsf dfWodaf6 ljBfyL{sf] l;sfOdf ;'wf/ ug'{ xf] . l;sfOsf nflu ul/g] o:tf] lgdf{0ffTds d"Nofª\sg lzIf0f l;sfO k|lqmofsf] cleGg cª\usf ¿kdf /xg' kb{5 . lgdf{0ffTds d"Nofª\sgdf ljBfyL{sf] d"Nofª\sgsf nflu ljleGg cf}krfl/s tyf cgf}krfl/s tl/sf k|of]u ug'{k5{ . lgdf{0ffTds d"Nofª\sgdf sIff lqmofsnfk tyf sIff, ljBfyL{sf sfo{ tyf sfo{;Dkfbgsf] cjnf]sg, ;fdflhs Jojxf/ cjnf]sg, u[xsfo{, kl/of]hgf sfo{, df}lvs tyf lnlvt sfo{ tyf k/LIff, PsfO tyf q}dfl;s k/LIffx¿, :j tyf ;xkf7L d"Nofª\sg nufotsf ;fwg k|of]u ug{ ;lsG5 .

:yfgLo ljifocGtu{t /x]sf ljifoj:t' tyf l;sfO pknlAwdf ljBfyL{n] xfl;n u/]sf] pknlAwsf] d"Nofª\sg ug{sf] nflu lgdf{0ffTds d"Nofª\sgsf] ¿kdf cfGtl/s / lg0f{ofTds d"Nofª\sgsf] nflu clGtd d"Nofª\sgnfO{ lnOPsf] 5 . o;sf] nflu sIff $ b]lv * ;Ddsf] k|To]s sIffdf ljBfyL{sf] d"Nofª\sgcGtu{t cfGtl/s d"Nofª\sg -%) k|ltzt ef/_ / clGtd k/LIff -%) k|ltzt ef/_ ;dfj]z ul/Psf] 5 . cfGtl/s d"Nofª\sgsf] %) k|ltzt ef/nfO{ ;d]t lg0f{ofTds d"Nofª\sgsf] ¿kdf ;dfof]hg u/LGf]5 . ljBfyL{sf] ;dUf| d"Nofª\sg u/L k|df0fkq cyf{t\ u|]8l;6df b'j} d"Nofª\sgsf] glthfnfO{ ;dfj]z ul/g]5 . cfGtl/s d"Nofª\sg / clGtd d"Nofª\sg lgDgfg';f/ ug'{kg]{ 5 .

-c_ cfGtl/s d"Nofª\sg lgdf{0ffTds d"Nofª\sgsf] cª\ssf] lglZrt ef/ cfGtl/s d"Nofª\sgsf ¿kdf ;dfj]z ul/g] 5 . o;sf nflu lgdf{0ffTds d"Nofª\sgnfO{ clen]vLs/0f u/L k|To]s ljBfyL{sf] sfo{;~rlosf -Portfolio) Jojl:yt u/L /fVg'k5{ . o:tf] clen]vsf cfwf/df lgDglnlvt kIfdf tf]lsPcg';f/sf] ef/sf] cª\s cfGtl/s d"Nofª\sgsf ¿kdf ;dfj]z ul/g] 5 :l;= g+= d"Nofª\sgsf kIf cª\s ef/ s}lkmot!

;xeflutf $ ;xeflutfcGtu{t xflh/L, sIffsfo{, kl/of]hgf sfo{, k|of]ufTds sfo{, ;d"x sfo{nufotsf cGo kIf /xg]5g\ .

@ k|of]ufTds÷kl/of]hgf sfo{

#^ sIffut ¿kdf k|of]ufTds / kl/of]hgf sfo{ ;~rfngsf nflu of]hgf lgdf{0f, ;~rfng, clen]vLs/0f, k|:t'tLs/0f / cGtjf{tf{ nufotsf kIfx¿ ;dfj]z u/L d"Nofª\sg ug'{kg]{ 5 .

$ q}dfl;s k/LIff !) klxnf] q}dfl;ssf] nflu % cª\sef/ / cw{jflif{s k/LIffsf] nflu % cª\sef/ x'g]5 . o;sf] nflu k|To]s k/LIffsf] nflu %) k"0ff{ª\ssf] k/LIff lnO{ k|fKtfª\snfO{ % df kl/0ft ug{ ;lsg] 5 .

hDdf %)

-cf_ clGtd k/LIff

lg0f{ofTds d"Nofª\sgdf clGtd k/LIffsf] ef/ %) k|ltzt x'g]5 . k|To]s k/LIffdf k|Zg ;f]Wbf z}lIfs ;qsf] ;'?b]lv k9fO ePsf ;a} kf7x¿af6 ;d]l6Psf] x'g'kg]{ 5 . o; ljifosf] k/LIffdf ljz]if u/]/ 1fg / af]w, k|of]u / pRr bIftfdf cfwfl/t x'g]5g . kf7\oj|mdn] lgwf{/0f u/]sf p2]Zocg'¿k ljBfyL{x¿n] 1fg, l;k, clej[lQ k|fKt u/] gu/]sf] d"Nofª\sg u/L To;sf] cfwf/df k|df0fLs/0f ul/G5 . clGtd k/LIffsf] k|Zgkq lgDg lnlvt ljlzi6Ls/0f tflnsfcg';f/ lgdf{0f u/L pknlAw k/LIff lng'kg]{ 5 . oxfF sIff * sf] ljlzi6Ls/0f tflnsf agfO{Psf] 5 . o;nfO{ cfwf/ lnO{ :yfgLo ljifo cWofkg ug]{ lzIfsn] cGo sIff -sIff $, %, ^ / &_sf] ljlzi6Ls/0f tflnsf agfO{{ k|of]u ug{ ;Sg]5g\ .

Page 81: af/alb{of uf}/j...af/alb{of gu/kflnsf 5'6\ofpg • cfkm" a:g] j8fleqsf ufpF6f]nsf] gfd eGg / ltgsf] cjl:ylt eGg • cfˆgf j8fleq /x]sf gbL, vf]nf em/g, tfn / af6fsf] cjl:ylt eGg •

76 cfwf/e"t tx -sIff !–*_ :yfgLo ljifosf] kf7\oj|md @)&*

ljlz

i6Ls

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lnsf

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M !

306

f #)

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ff{ª\s M

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ef/ ljt

/0f

PsfO

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PsfO

kf7\o

306

f k"0

ff{ª\s

1fg

af]w

k|of]u

pRr

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fhDd

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fhDd

f cª\s

ef/

hDd

f

cª\s

clt

5f]6f]

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