aLds btf{ tyf aLdf Joj;fo ;~rfng ;DaGwL lgb]{lzsf,...

1

* ;ldltsf] ldlt @)&#.!@.!& sf] lg0f{o adf]lhd :jLs[t .

aLds btf{ tyf aLdf Joj;fo ;~rfng ;DaGwL lgb]{lzsf, @)&# k|:tfjgfM aLds btf{ ;DaGwL sfo{nfO{ kf/bzL{ / Jojl:yt agfpg, ljb]zL aLdssf] btf{ tyf ;~rfngsf af/]df Joj:yf ug{ / aLdf Joj;fo ;~rfngsf ;DaGwdf dfkb08 lgwf{/0f ug{ cfjZos ePsf]n] aLdf P]g @)$( sf] bkmf * sf] v08 -3@_ adf]lhd clwsf/ k|of]u u/L aLdf ;ldltn] of] aLds btf{ tyf aLdf Joj;fo ;~rfng ;DaGwL lgb]{lzsf, @)&# agfO{ nfu" u/]sf] 5 .

kl/R5]b ! k|f/lDes

!= ;+lIfKt gfd / k|f/DeM -!_ o; lgb]{lzsfsf] gfd æaLds btf{ tyf aLdf Joj;fo ;~rfng

;DaGwL lgb]{lzsf, @)&#Æ /x]sf] 5 .

*-@_ of] lgb]{lzsf ;ldltn] :jLs[t u/]sf] ldltb]lv k|f/De x'g]5 . @= kl/efiffM ljifo jf k|;+un] csf]{ cy{ gnfu]df o; lgb]{lzsfdf,–

-s_ ……;ldltÚÚ eGgfn] P]gsf] bkmf # adf]lhd :yflkt aLdf ;ldlt ;Demg' k5{ .

-v_ ……P]gÚÚ eGgfn] aLdf P]g, @)$( ;Demg' k5{ .

-u_ ……lgodfjnLÚÚ eGgfn] aLdf lgodfjnL, @)$( ;Demg' k5{ .

-3_ ……k|:tfljt aLdsÚÚ eGgfn] of] lgb]{lzsf adf]lhd aLdf Aoj;fo ug{ P]gsf] bkmf !) adf]lhd aLdssf] ?kdf btf{sf] nflu lgj]bg lbPsf] ;F:yf ;Demg' kb{5 .

-ª_ æcfwf/e"t z]o/wgLÆ eGgfn] aLdssf] r'Qmf k"FhLsf] Ps k|ltzt jf ;f] eGbf a9L z]o/ :jfldTj ePsf] AolQm ;Demg' k5{ / ;f] zAbn] Psf3/sf] kl/jf/sf] ;b:on] cnu cnu ?kdf lnPsf] hDdf z]o/ r'Qmf k"FhLsf] Ps k|ltzt jf ;f] eGbf a9L z]o/ :jfldTj x'g] ePdf To:tf] kl/jf/nfO{ ;d]t hgfpF5 .

-r_ æPsf3/sf] kl/jf/Æ eGgfn] ;DalGwt JolQmsf] afa', cfdf, klt, kTgL, 5f]/f, 5f]/L, wd{k'q, wd{k'qL / cfkm}n] kfng kf]if0f ug'{kg]{ Psf3/df a:g] ;f}t]gL cfdf, bfh', efO, lbbL, alxgL ;Demg' k5{ .

-5_ æsfo{sf/L k|d'vÆ eGgfn] aLdssf] Aoj:yfkgsf] d'Vo lhDd]jf/L ePsf] k|d'v sfo{sf/L clws[t ;Demg' k5{ / ;f] zAbn] aLdssf] d'Vo k|zf;sLo

2


jf Jofj;flos lhDd]jf/L ePsf] Joj:yfksLo txsf] JolQmnfO{ ;d]t hgfFp5 .

-h_ æglhssf] gft]bf/Æ eGgfn] Psf3/df g/x]sf] ;f}t]gL cfdf, bfh', efO, lbbL, alxgL / Psf3/df a:g] jf ga:g] efph', efO{ a'xf/L, elthf, elthL, ;f;', ;;'/f, legfh', alxgL HjfO{+, ;fnf, ;fnf a'xf/L, ;fnL, h]7fg, gGb, cfdfh', h]7L ;f;', ;f9' bfh', sfsf, sfsL, dfdf, dfOh', 5f]/f, a'xf/L, 5f]/L, 5f]/L HjfO{+, gftL, gfltgL a'xf/L, gfltgL, gfltgL HjfO{+, ef~hf, ef~hL a'xf/L, ef~hL, ef~hL HjfO{+, km'k' jf km'kfh' ;Demg' k5{ .

-em_ æJoj:yfksLo txÆ eGgfn] s'g} ;+ul7t ;+:yfsf] lqmofsnfkdf lg0f{o lng] clwsf/k|fKt tx ;Demg' k5{ / ;f] zJbn] clGtd lhDd]jf/L jf clwsf/ k|of]u ug{ kfpg] u/L ;+ul7t ;+:yfsf] s'g} zfvf jf OsfO{sf] k|d'v jf Aoj:yfks jf k|aGws jf o:t} kbgfd ePsf] tx ;d]tnfO{ hgfFp5 .

-`_ æljQLo :jfy{Æ eGgfn] s'g} ;F:yfdf b]xfosf] s'g} x}l;ot /x]sf] cj:yf ;Demg' k5{M–

-!_ ;F:yfks, ;~rfns jf sfo{sf/L k|d'v,

-@_ Ps k|ltzt jf ;f] eGbf a9L z]o/ lnPsf] z]o/wgL,

-#_ pkv08 -!_ jf -@_ adf]lhdsf] JolQmsf] Psf3/ kl/jf/sf] JolQm,

-$_ ;~rfns dgf]lgt ug]{ clwsf/ kfPsf] JolQm,

-%_ ;ldltn] ;do ;dodf ljQLo :jfy{ /x]sf] dflgg] egL tf]s]sf] cj:yf .

-6_ æljb]zL aLdsÆ eGgfn] zfvf sfof{no btf{ u/L g]kfndf aLdf Joj;fo ug{ btf{ k|df0fkq k|fKt ljb]zL aLds ;+emg' k5{ .

-7_ æ;~rfnsÆ eGgfn] aLdssf] ;~rfns ;ldltsf] ;b:o ;Demg' k5{ .

-8_ æ;~rfns ;ldltÆ eGgfn] aLdssf] ;~rfns ;ldlt ;Demg' k5{ .

kl/R5]b @ r'Qmf k"FhL ;DaGwL Aoj:yf

#= aLds klAns lnld6]8 sDkgL x'g'kg]{M P]g adf]lhd aLdssf] ?kdf btf{ x'g k|rlnt sfg'g

adf]lhd klAns lnld6]8 sDkgLsf] ?kdf ;+:yfkgf / btf{ ePsf] x'g'kg]{5 . $= aLdssf] r'Qmf k"FhLM of] lgb]{lzsf nfu" ePkl5 P]gsf] bkmf !) adf]lhd aLdf Joj;fo

;~rfg ug{ b]xfo adf]lhdsf] r'Qmf k"FhL ePsf] x'g'kg]{5M–

-s_ hLjg aLdf Joj;fosf] lgldQ b'O{ ca{ ?k}ofF .

3


-v_ lghL{jg aLdf Joj;fosf] lgldQ Ps ca{ ?k}ofF . %= r'Qmf k"FhLsf] laefhgM -!_ aLdf Joj;fosf] k|df0fkq lng rfxg] k|:tfljt aLdsn] cfk\mgf]

r'Qmf k"FhLsf] ;+/rgf b]xfo adf]lhd laefhg u/]sf] x'g'kg]{5M–

-s_ ;F:yfks ;d"x sDtLdf PsfpGg -%!_ k|ltzt .

-v_ ;j{;fwf/0fnfO{ laqmLsf] nflu v'Nnf ul/Psf] sDtLdf tL; -#)_ k|ltzt .

-@_ k|:tfljt aLdsn]]] cfk\mgf]] sd{rf/Lsf] lgldQ pkbkmf -!_ sf] v08 -v_ adf]lhd 5'6\ofPsf] r'Qmf k"FhLsf] kfFr -%_ k|ltzt;Dd 5'6\ofpg ;Sg]5 .

-#_ o; lgb]{lzsf adf]lhd ;F:yfksn] aLdsdf nufgL ubf{ a}+s, ljQLo If]q jf cGo s'g} If]qaf6 C0f tyf ;fk6L k|fKt u/]sf] /sd nufgL ug{ kfOg] 5}g .

^= ;+o'Qm nufgLdf ;+:yfkgf x'g] aLdssf] k"FhL ;DaGwL Joj:yfM -!_ ;+o'Qm nufgLdf aLdf

Joj;fo ug{ rfxg] ljb]zL aLdsn] r'Qmf k"FhLsf] a9Ldf c:;L -*)_ k|ltzt;Dd ljb]zL nufgL ug{ ;Sg]5 .

-@_ krf; k|ltzt eGbf sd ljb]zL nufgL ePdf s"n r'Qmf k"FhLsf] tL; k|ltzt ;j{;fwf/0fnfO{ 5'6\ofpg' kg]{5 .

t/ s'g} ljb]zL aLdsn] k|:tfljt aLdssf] krf; k|ltzt jf ;f] eGbf a9L z]o/ vl/b ug]{ ePdf s"n r'Qmf k"FhLsf] slDtdf kGw| k|ltzt ;j{;fwf/0fnfO{ 5'6\ofpg' kg]{5 .

-#_ pkbkmf -@_ adf]lhd ;a{;fwf/0fnfO{ 5'6\ofPsf] tL; k|ltzt / ;f]xL pkbkmfsf] k|ltaGwfTds afSof+z adf]lhd 5'6\ofOPsf] kGw| k|ltztsf] kfFr k|ltzt;Dd aLdssf sd{rf/Lsf] nflu 5'6\ofpg ;Sg]5 .

&= ;~rfngdf /x]sf aLdssf] r'Qmf k"FhL ;DaGwL Joj:yfM -!_ of] lgb]{lzsf k|f/De x'Fbfsf

avt aLdssf] ?kdf btf{ eO{ aLdf Joj;fo ;~rfng ul//x]sf aLdsx?n] @)&% ;fn c;f/ d;fGtleq bkmf $ adf]lhdsf] r'Qmf k"FhL sfod ug'{ kg]{5 .

-@_ ;~rfngdf /x]sf aLdsn] of] lgb]{lzsf nfu" ePsf] tLg dlxgfleq pkbkmf -!_ adf]lhd r'Qmf k"FhL sfod ug]{ sfo{of]hgf ;ldltdf k]z ug'{ kg]{5 .

-#_ of] lgb]{lzsf k|f/De x'Fbfsf avt ;~rfngdf /x]sf] s'g} aLdsn] pkbkmf -!_ adf]lhdsf] Dofbleq pkbkmf -@_ adf]lhd k]z u/]sf] sfo{of]hgf cg';f/ r'Qmf k"FhL sfod ug{ g;Sg] ePdf ;f] sf] cjlw ;dfKt x'g'eGbf sDtLdf ;ftlbg cufj} To;sf] sf/0f pNn]v u/L Dofb yksf] lgldQ ;ldlt ;dIf lgj]bg lbg ;Sg]5 . ;ldltnfO{ sf/0f dgfl;j nfu]df a9Ldf tLg dlxgf;Ddsf] Dofb ylklbg ;Sg]5 .

t/ o; pkbkmf adf]lhdsf] Dofb yk b'O{ k6seGbf a9L ul/g] 5}g .

4


-$_ pkbkmf -!_ adf]lhd r'Qmf k"FhL sfod ug{ g;Sg] aLdsnfO{ ;ldltn] ;do tf]sL ;f]xL Aoj;fo ug]{ cGo aLds;Fu ufleg cfb]z lbg ;Sg]5 .

*= ljb]zL aLdssf]] k"FhL;DaGwL Joj:yfM -!_ aLdssf] ?kdf btf{ x'g rfxg] ljb]zL aLdsn]

bkmf $ adf]lhd tf]lsPsf] Go'gtd r'Qmf k"FhL a/fa/sf] lgwf{l/t k"FhL -Assinged Capital_ sfod ug'{ kg]{5 .

-@_ of] lgb]{lzsf k|f/De x'Fbfsf avt ljb]zL aLdssf] ?kdf btf{ eO{ aLdf Joj;fo ;~rfng ul//x]sf ljb]zL aLdsx?n] @)&% ;fn c;f/ d;fGtleq bkmf $ adf]lhd tf]lsPsf] Go'gtd r'Qmf k"FhL a/fa/sf] lgwf{l/t k"FhL -Assinged Capital_ sfod ug'{ kg]{5 .

-#_ pkbkmf -@_ adf]lhd lgwf{l/t k"FhL -Assinged Capital_ sfod geP ;Dd ljb]zL] aLdsn] s'g} k|sf/sf] nfef+z 3f]if0ff ug{ / ljt/0f ug{ kfpg] 5}g .

kl/R5]b #

;+:yfkgf tyf btf{ ;DaGwL Joj:yf (= ;+:yfkgf ug'{k"j{ ;xdlt lng'kg]{M -!_ of] lgb]{lzsf adf]lhd aLdf Joj;fo ug]{ p2]Zon]

sDkgL ;+:yfkgf u/L k|rlnt sfg"g adf]lhd btf{sf] lgldQ ;DalGwt lgsfodf lgj]bg lbg'k"j{ ;ldltaf6 aLdf Joj;fo ug]{ sDkgL ;+:yfkgf ug]{ ;xdlt k|fKt ug'{kg]{5 .

-@_ aLdf Joj;fo ug]{ p2]Zo /fvL sDkgL ;+:yfkgf u/L btf{ ug{ k|rlnt sfg"g adf]lhd sDkgL btf{ ug]{ lgsfodf lgj]bg lbPdf To:tf] lgsfon] ;ldltaf6 pkbkmf -!_ adf]lhd ;xdlt k|fKt gu/L To:tf] sDkgL btf{ ug{ x'Fb}g .

-#_ pkbkmf -!_ adf]lhd aLds ;+:yfkgf ug{ ;xdlt k|fKt ug{sf] nflu b]xfosf sfuhft ;+nUg u/L ;ldlt ;dIf lgj]bg lbg' kg]{5 M–

-s_ k|:tfljt aLdssf] k|aGwkq tyf lgodfjnL,

-v_ cg';"rL ! adf]lhdsf] ;DefJotf cWoog k|ltj]bg,

-u_ cg';"rL @ sf] 9fFrfdf ;F:yfksx?sf] JolQmut ljj/0f,

-3_ aLdssf] ;+:yfkgf ug'{ cl3 ;F:yfksx? aLr s'g} ;Demf}tf eP To:tf] ;Demf}tfsf] k|dfl0ft k|ltlnlk / ;f] sf] ;f/f+z,

-ª_ ;F:yfksx? sfnf] ;"rLdf g/x]sf] jf sfnf];"rLaf6 x6]sf] tLg jif{ k"/f ePsf] k'i6L ug]{ sfuhft,

-r_ ;F:yfksx?sf] gful/stf k|df0fkqsf] k|ltlnlk,

-5_ ;F:yfksx?sf] ljQLo :jfy{ ePsf] s'g} ;+:yf eP To:tf] ;+:yfsf] ljj/0f

5


v'Ng] sfuhft,

-h_ k|:tfljt aLdssf] sd{rf/L ;]jf zt{ tyf cfly{s k|zf;g ;DaGwL ljlgodfjnL,

-em_ aLdfz'Ns lgwf{/0f ug]{ ;DaGwdf cjnDag ul/g] cfwf/x? v'Ng] sfuhft,

-`_ aLdf hf]lvdf+sg, u|fxs ;]jf, aLdf bfjL e'QmfgL / jhf/ k|j4{g ;DaGwL 5'§f5'§} lbUbz{g,

-6_ k|:tfljt aLdsn]] s'g} :jb]zL jf ljb]zL JolQm jf ;+:yf;Fu s'g} k|sf/sf] ;]jf lng rfx]sf] eP ;f] ;DaGwL ;Demf}tf jf ;xdlt kq,

-7_ ;F:yfksn] lgj]bg lbg'eGbf tTsfn cl3Nnf] cfly{s jif{;Ddsf] s/ r'Qmf u/]sf] lg:;f,

-8_ ;F:yfks ;Ël7t ;+:yf ePdf ;f] ;+:yfsf] b]xfosf] yk sfuhft tyf ljj/0fx?M–

-!_ k|:tfljt aLdssf] ;+:yfkgf ug]{ ;DaGwL ;~rfns ;ldltsf] lg0f{o,

-@_ k|aGwkq / lgodfjnL,

-#_ k|:tfljt aLdsdf nufgL ug{ ;Ifd /x]sf] k'li6 x'g] sfuhft,

-$_ k|rlnt sfg"g adf]lhd lgodg x'g] Joj;fo jf sf/f]af/ ;~rfng ug]{ ;+:yf ePdf lgodgsf/L lgsfoaf6 aLdf Joj;fodf nufgL ug{ lbPsf] cg'dlt kq .

-%_ ;~rfnsx?sf] gfdfjnL / lghx?sf] ljQLo :jfy{ /x]sf] ;+:yfsf] ljj/0f,

-9_ sDtLdf Ps ltxfO ;F:yfksn] :gfts txsf] pkflw k|fKt u/]sf] k|df0f,

-0f_ ;ldltn] cfjZos 7fg]sf cGo sfuhft tyf ljj/0fx? . .

-$_ s'g} ljb]zL aLdsn] k|:tfljt aLdsdf ;+o'Qm nufgL u/L ;+:yfkgf ug{ rfx]df pkbkmf -#_ df pNn]lvt sfuhftsf cltl/Qm b]xfosf sfuhftx? ;+nUg ug'{ kg]{5M–

-s_ ;DalGwt d'n'sdf aLdf Joj;fo ug{ kfPsf] Ohfhtkq / To:tf] Ohfhtkq gjLs/0f u/]sf] lg:;f,

-v_ g]kfndf ;+o'Qm nufgLdf k|:tfljt aLdssf] ;+:yfkg ug]{ ;~rfns ;ldltsf] lg0f{o,

-u_ ljQLo ;Ifdtf b]lvg] tLg cfly{s jif{sf] n]vf k/LIf0f k|ltj]bg,

-3_ ljb]zL ;+:yfsf] ;~rfnssf] gfdfjnL / z]o/ :jfldTjsf] cg'kft tyf

6


ljQLo :jfy{ /x]sf ;+:yfsf] ljj/0f,

-%_ o; bkmf adf]lhd k/]sf] lgj]bg hfFra'em ubf{ ;ldltn] lgj]bs;Fu yk ljj/0f jf sfuhft dfu ug{ ;Sg]5 .

-^_ o; bkmf adf]lhd k/]sf] lgj]bg hfFra'em u/L lgj]bsnfO{ ;xdlt lbg dgfl;a b]lvPdf lgj]bg k/]sf] Ps;o aL; lbgleq ;xdlt lbg'kg]{5 . ;xdlt lbg dgfl;a gb]lvPdf sf/0f pNn]v u/L ;f] sf] hfgsf/L lgj]bsnfO{ lbg' kg]{5 .

-&_ o; bkmf adf]lhd ;+:yfkgf ug]{ ;xdlt lbg'k"j{ ;ldltn] hLjg aLdf Joj;fosf] xsdf cy{ dGqfnosf] :jLs[lt lng'kg]{5 .

-*_ ;ldltn] o; bkmf adf]lhd ;xdlt lbFbf cfjZos zt{ tf]Sg ;Sg]5 . !)= ljb]zL aLdsn] zfvf sfof{no btf{ ug{ ;xdlt lng'kg]{M -!_ ljb]zL aLdsn] g]kfndf aLdf

Joj;fo ug]{ u/L k|rlnt sDkgL sfg"g adf]lhd zfvf sfof{nosf] ?kdf btf{ ug'{k"j{ ;ldltaf6 aLdf Joj;fo ug]{ ;xdlt k|fKt ug'{kg]{5 .

-@_ s'g} ljb]zL aLdsn] g]kfndf aLdf Joj;fo ug]{ p2]Zon] k|rlnt sfg"g adf]lhd sDkgLsf] zfvf sfof{no btf{ ug]{ lgsfodf lgj]bg lbPdf To:tf] lgsfon] ;ldltaf6 pkbkmf -!_ adf]lhd ;xdlt k|fKt gu/L To:tf] ljb]zL aLdssf] zfvf sfof{no btf{ ug{ x'Fb}g .

-#_ ljb]zL aLdsn] pkbkmf -!_ adf]lhd ;xdlt k|fKt ug{ b]xfosf ljj/0f tyf sfuhft ;+nUg u/L ;ldlt ;dIf lgj]bg lbg'kg]{5M–

-s_ ljb]zL aLdssf] clwsf/kq, k|df0fkq, k|aGwkq tyf lgodfjnLsf] k|dfl0ft k|ltlnlk,

-v_ ljb]zL aLdssf] /lhi68{ sfof{no / sf/f]jf/ ug]{ d'Vo :yfgsf] k'/f gfd 7]ufgf, sDkgL ;+:yfkgf ePsf] ldlt, To:tf] sDkgLsf] r'Qmf k"FhL / d'Vo p2]Zo ;DaGwL ljj/0f,

-u_ aLdf Joj;fo ug{ kfPsf] Ohfhtkqsf] k|dfl0ft k|ltlnlk tyf To:tf] Ohfhtkq gljs/0f u/]sf] lg:;f,

-3_ ;DalGwt d'n'ssf] lgodgsf/L lgsfoaf6 g]kfndf zfvf sfof{no vf]Ng :jLs[lt k|bfg u/]sf] lg:;fsf] k|dfl0ft k|ltlnlk,

-ª_ cg';"rL–# sf] 9fFrfdf kfFr jif{sf] Joj;flos k|If]k0f k|ltj]bg,

-r_ g]kfndf zfvf sfof{no vf]Ng cfkm\gf] ;~rfns ;ldltaf6 ePsf] lg0f{osf] k|dfl0ft k|ltlnlk,

-5_ tLg cfly{s jif{sf] n]vf k/LIf0f k|ltj]bg,

7


-h_ aLdf Aoj;fo ug{ g]kfndf lgj]z ug]{ P]g adf]]lhdsf] nufgL /sd tyf To:tf] nufgL ug{ k|fKt u/]sf] cg'dlt kq .

-em_ tLg jif{ b]lv nuftf/ sDtLdf aLaLaL (BBB) jf ;f] ;/xsf] :t/Ls/0fdf k/]sf] k|df0f,

:kli6s/0fM BBB eGgfn] :t/Ls/0f k|of]hgsf] cGt/f{li6«o :t/df s|]l86 /]l6ª ug]{ ;:yfx?n]] :t/Ls/0f ubf{ sDtLdf BBB jf ;f] ;/x :t/Ls[t ePsf] eGg] cj:yf ;Demg'k5{ .

-`_ ljb]zL aLdsn] cfkm'n] btf{ ug]{ zfvf sfof{nonfO{ s'g} k|sf/sf] ;]jf lbg] ePdf ;f] ;DaGwL k|fljlws ;]jf ;Demf}tf jf ;xdtL kq,

-6_ g]kfndf /xg] clVtof/jfnf AolQmsf] ljj/0f, /

-7_ ;ldltn] cfjZos 7fg]sf cGo ljj/0f .

-$_ pkbkmf -#_ adf]lhdsf ljj/0f tyf sfuhft c+u|]hL efiffdf eP ;f]sf] cflwsfl/s g]kfnL cg'jfb tyf c+u|]hL afx]s cGo efiffdf eP ;f]sf] cflwsfl/s c+u|]hL / g]kfnL cg'jfb k]z ug'{ kg]{5 .

-%_ o; bkmf adf]lhd k/]sf] lgj]bg hfFra'em ubf{ ;ldltn] lgj]bs;Fu yk ljj/0f jf sfuhft dfu ug{ ;Sg]5 .

-^_ o; bkmf adf]lhd k/]sf] lgj]bg hfFra'em u/L lgj]bsnfO{ ;xdlt lbg dgfl;j b]lvPdf lgj]bg k/]sf] Ps;o aL; lbgleq ;xdlt lbg'kg]{5 . ;xdlt lbg dgfl;j gb]lvPdf sf/0f pNn]v u/L ;f]sf] hfgsf/L lgj]bsnfO{ lbg' kg]{5 .

-&_ o; bkmf adf]lhd zfvf sfof{no :yfkgf ug]{ ;xdlt lbg'k"j{ ;ldltn] hLjg aLdf Joj;fosf] xsdf cy{ dGqfnosf] :jLs[lt lng'kg]{5 .

-*_ ;ldltn] o; bkmf adf]lhd ;xdlt lbFbf cfjZos zt{ tf]Sg ;Sg]5 .

!!= ;xdlt lbg OGsf/ ug{ ;Sg] M b]xfosf s'g} cj:yfdf ;ldltn]]] bkmf ( jf !) adf]lhd k/]sf] lgj]bgsf] ;DaGwdf ;xdlt lbg OGsf/ ug{ ;Sg]5 M–

-s_ k|:tfljt aLdssf] gfd klxn] g} btf{ eO{ sfod /x]sf] s'g} aLdssf] gfd;Fu ldNg] ePdf,

-v_ hLjg aLdf / lghL{jg aLdf b'j} lsl;dsf]] aLdf Joj;fo ug]{ p2]Zon] aLdssf] ;+:yfkgf ug{ lgj]bg lbPsf] b]lvPdf,

-u_ aLdf Joj;fonfO{ :j:y, k|lt:kwf{Tds / k|efjsf/L agfpg] / aLldtsf] lxtsf b[li6n] ;+:yfkgf ug{ lbg jf zfvf sfof{nosf] ?kdf btf{ ug{ dgfl;a gb]lvPdf,

8


-3_ k|:tfljt aLdssf] gfd jf To;n] ug]{ aLdf Joj;fo ;fj{hlgs lxt, ;bfrf/, lzi6frf/, wd{, hfthflt jf ;Dk|bfo cflbsf] b[li6sf]0fn] cg'ko'Qm jf cjf~5gLo x'g] b]lvPdf,

-ª_ k|:tfljt aLdssf] p2]Zo k|rlnt sfg"g ljk/Lt ePsf] b]lvPdf,

-r_ k|aGwkq / lgodfjnLdf k|:tfljt aLdssf ;a} ;F:yfksx?n] cfˆgf] gfd, 7]ufgf ;d]t v'nfO{ s'g} Pshgf ;fIfLsf] /f]xj/df ;xL5fk u/L ;f] ;fIfLsf] gfd, 7]ufgf ;d]t v'nfPsf] gePdf,

-5_ ;+:yfkgfsf] lgldQ ;xdlt dfu u/]sf]df k|:tfljt aLdssf] k|To]s ;F:yfksn]] sDtLdf kfFrxhf/ lsQf z]o/ lng d~h'/ u/]sf] gb]lvPdf,

-h_ ;+:yfkgfsf] lgldQ ;xdlt dfu u/]sf]df k|:tfljt aLdssf] k|To]s ;F:yfksn] k|aGwkqdf ;xL ubf{ cfkm"n] lng] z]o/ ;ª\Vof :ki6 ?kdf gv'nfPsf] ePdf,

-em_ o; lgb]{lzsf adf]lhdsf sfuhft jf ljj/0f k]z gu/]df,

-`_ bkmf $ adf]lhdsf] r'Qmf k"FhL sfod ug]{ k|:tfj u/]sf] gb]lvPdf,

-6_ ;F:yfksx?n] tTsfn r'Qmf ug{ sa'n u/]sf] k"FhLsf] kGw| k|ltzt jf ;f] eGbf a9L z]o/ Pp6} JolQm, kl/jf/, ;+:yf jf ;d"xsf] :jfldTjdf /xg] ePdf,

-7_ Ps} k|sf/sf] aLdf Joj;fo ug]{ s'g} aLdsdf cfk\mgf] jf cfk\mgf] Psf3/ kl/jf/sf] cfwf/e"t z]o/ ePsf]df .

-8_ k|:tfljt aLdssf s'g} ;F:yfks a}ls+u s;"/, 7uL, hfn;fhL, sLt]{, ;DklQ z'l4s/0f, e|i6frf/, dfgj a]rlavg, ckx/0f jf z/L/ aGws jf g}lts ktg b]lvg] cGo s;"/df cbfntaf6 s;"/bf/ 7xl/O ;hfo e'Qmfg u/]sf] kfFr jif{ k"/f gePsf] ePdf,

-9_ k|:tfljt aLdssf] s'g} ;F:yfks jf lghsf] Psf3/ kl/jf/sf s'g} JolQm k|rlnt sfg"g adf]lhd sfnf] ;"rLdf k/]sf] jf To:tf] ;"rLaf6 k'ms'jf ePsf] tLg jif{ k"/f ePsf] gePdf,

-0f_ k|:tfljt aLdsn] aLdf Joj;fo afx]s cGo Joj;fo ug]{ ePdf,

-t_ bkmf ( sf] pkbkmf -&_ jf bkmf !) sf] pkbkmf -&_ adf]lhd dGqfnoaf6 :jLs[lt k|fKt gePdf .

!@= btf{sf] k|df0fkq lng' kg]{ M -!_ bkmf ( / !) adf]lhd ;xdlt lnO{ k|rlnt sfg'g

9


adf]lhd sDkgL ;+:yfkgf ePdf jf ljb]zL aLdssf] zfvf sfof{no btf{ ePdf To:tf] k|:tfljt aLdsn] aLdf Joj;fo ;~rfng ug{ P]gsf] bkmf !) adf]lhd aLdssf] btf{ k|df0fkq lng' kg]{5 .

-@_ k|:tfljt aLdsn] pkbkmf -!_ adf]lhd aLdf Joj;fo ug]{ btf{sf] k|df0fkq lng tf]lsPsf] b:t'/ lt/]sf] lg:;f ;+nUg u/L P]gsf] bkmf !) sf] pkbkmf -@_ tyf lgodfjnLsf] lgod & df pNn]lvt sfuhftsf cltl/Qm b]xfosf ljj/0f tyf sfuhft ;+nUg u/L ;ldlt ;dIf lgj]bg lbg' kg]{5 M–

-s_ k|:tfljt aLdssf] ;+:yfkgf ug{ jf zfvf sfof{no btf{ ug{ ;ldltn] lbPsf] ;xdlt,

-v_ k|:tfljt AfLdssf] ;+:yfkgf jf zfvf sfof{no btf{ ePsf] k|df0fkqsf] k|dfl0ft k|ltlnlk,

-u_ k|:tfljt AfLdssf] k|aGwkq / lgodfjnL,

-3_ k|:tfljt aLdssf] tkm{af6 d'Vo Joj:yfkssf] ?kdf sfo{ ug]{ k|d'v sfo{sf/L clws[t tyf Joj:yfksLo txsf kbflwsf/Lsf] JolQmut ljj/0f,

-ª_ aLdf hf]lvd wf/0f ;DaGwL gLlt,

-r_ nufgL gLlt,

-5_ k|:tfljt aLdfn]v ,

-h_ ;F:yfksn] lng sa'n u/]sf] z]o/sf] /sd jf ljb]zL aLdsn] lgj]z ug{ sa'n u/]sf] /sd r'Qmf eO{ ;ldltn] tf]s] adf]lhd a}Í vftfdf hDdf u/]sf] k'i6L ug]{ lg:;f,

-em_ ;Ë7g ;+/rgf ;DaGwL ljj/0f,

-`_ sd{rf/L ;]jf zt{ / ;'ljwf ;DaGwL ljlgod,

-6_ cfly{s k|zf;g ;DaGwL ljlgod, /

-7_ ;ldltn] cfjZos b]v]sf cGo sfuhft tyf ljj/0f .

-#_ pkbkmf -@_ adf]lhd lbOPsf] lgj]bg;fy k|:tfljt AfLdsn] b]xfosf zt{x? kfngf ug]{ sa'lnotgfdf ;d]t ;+nUg ug'{ kg]{5 M–

-s_ ;ldltn] ;do ;dodf tf]s] adf]lhdsf] r'Qmf k"FhL jf lgwf{l/t k"FhL sfod /fVg],

-v_ aLdf Joj;fosf] nflu cfjZos k"jf{wf/ tof/ ug]{ tyf ;'ljwf k|bfg ug{ ;Sg] kof{Kt cfwf/ sfod /fVg],

-u_ laldtsf] xs lxt ;+/If0f x'g] u/L lgoldt ?kdf aLdf Joj;fo ;~rfng

10


ug]{,

-3_ aLdf Joj;fo ;~rfng ug{sf] nflu cfjZos kg]{ hgzlQmsf] Joj:yf ug]{ / To:tf] hgzlQm lg/Gt/ ?kdf /fVg],

-ª_ P]g tyf ;f] cGtu{t ag]sf k|rlnt sfg"g Pj+ aLdf Joj;fo ;DaGwdf ;do ;dodf ;ldltaf6 lbPsf] lgb]{zg adf]lhd aLdf Joj;fo ;~rfng ug]{, /

-r_ ;ldltn]] ;do ;dodf tf]s]sf cGo zt{x? kfngf ug]{ . !#= btf{sf] k|df0fkq k|fKt ug{ k"/f ug'{kg]{ z\t{x?M bkmf !@ adf]lhd aLds btf{sf] lgj]bg lbg]

lgj]bsn] b]xfosf zt{ k'/f u/]df ;ldltn] To:tf] lgj]bsnfO{ bkmf !$ adf]lhd aLds btf{sf] k|df0fkq lbg]5M–

-s_ o; lgb]{lzsf adf]lhdsf] r'Qmf k"FhL sfod u/L z]o/ k"FhLsf] ljefhg u/]sf],

-v_ k|:tfljt aLdssf] k"a{ ;+rfng (Pre-operating) vr{ r'Qmf k"FhLsf] )=%Ü eGbf sd /x]sf],

-u_ k|:tfljt aLdssf] ;F:yfksx?sf] of]Uotf cg';"rL– $ adf]lhd ePsf] .

-3_ k|:tfljt aLdssf] ;~rfnsx?sf] of]Uotf cg';"rL – % adf]lhd ePsf] .

-ª_ k|:tfljt aLdssf] k|d'v Aoj:yfkssf] cg'ej / of]Uotf ;ldtn] tf]s] adf]lhd ePsf],

-r_ k|:tfljt aLdsn] aLds btf{sf] nflu k]z u/]sf] lgj]bg ;+nUg ;DefJotf cWoog k|ltj]bgaf6 aLdf Aoj;fo ;~rfng x'g ;Sg] kof{Kt cfwf/ b]lvPsf],

-5_ k|:tfljt aLdssf] hf]lvdfÍg (Underwriting), k"gaL{df (Re - Insurance)

tyf bfaL e'QmfgL (Claim Settlement) laefu x]g]{ ;ldltn] tf]s] adf]lhdsf] of]Uotf k'u]sf slDtdf tLghgf laefluo k|d'v ePsf],

-h_ ;+:yfkssf] Psf3/ kl/jf/, ;F:yf jf ;d"xsf] k|:tfljt aLdsdf r'Qmf k"FhLsf] !%Ü jf ;f] eGbf sd z]o/ :jfldTj ePsf],

-em_ k|:tfljt aLdssf] ;F:yfks jf ;~rfns lghsf] Psf3/ kl/jf/sf] s'g} JolQm ;f]xL k|sf/sf] aLdf Aoj;fo ug]{ cGo aLdssf] ;~rfns jf cfwf/e"t z]o/wgL gePsf] /

-~f_ ;ldltsf] :jLs[lt lnP/ dfq k|:tfljt aLdssf] ;F:yfks kl/jt{g x'g] Aoj:yf ePsf] .

11


!$= btf{sf] k|df0fkq lbg] M -!_ bkmf !@ adf]lhd k]z ePsf] lgj]bg hfFra'h ubf{ lgj]bsn]

P]g, lgodfjnL tyf o; lgb]{lzsf adf]lhdsf ljj/0f sfuhft k]z u/L bkmf !# adf]lhdsf zt{x? k"/f u/]sf] b]lvPdf ;ldltn] hLjg aLdf Joj;fosf] xsdf P]gsf] bkmf !) sf] pkbkmf -$_ adf]lhd g]kfn ;/sf/sf] :jLs[ltsf] lgldQ cy{ dGqfnodf k7fpg] 5 / lghL{jg aLdf Joj;fosf] xsdf ;ldlt cfk}mn] aLds btf{sf] k|df0fkq lbg]5 . :jLs[lt k|fKt ePdf ;ldltn] lgj]bsnfO{ P]gsf] bkmf !) adf]lhd aLdssf] k|df0fkq lbg]5 .

-@_ hLjg aLdf Joj;fosf] xsdf pkbkmf -!_ adf]lhd g]kfn ;/sf/af6 :jLs[lt k|fKt ePdf ;ldltn] lgj]bsnfO{ P]gsf] bkmf !) adf]lhd aLdssf] k|df0fkq lbg]5 .

!%= btf{sf] k|df0fkq lbg OGsf/ ug{ ;Sg]] M -!_ b]xfosf] s'g} cj:yfdf ;ldltn]] aLdssf] btf{

k|df0fkq lbg OGsf/ ug{ ;Sg]5 M–

-s_ P]g, lgodfjnL, of] lgb]{lzsf / k|rlnt sfg"g adf]lhd k]z ug'{kg]{ ljj/0f sfuhft k]z gu/]df jf k"/f ug'{kg]{ zt{ k"/f gu/]df,

-v_ lgj]bsnfO{ aLds btf{sf] k|df0fkq lbFbf aLdf Joj;fo :j:y, k|lt:kwf{Tds / k|efjsf/L gx'g] ePdf jf laldtsf] lxt ;+/If0f x'g ;Sg] gb]lvPdf,

-u_ ;F:yfks, ;~rfns jf kbflwsf/L /x]sf AolQm tyf lghsf] kl/jf/ Pj+ lghsf] laQLo :jfy{ ePsf ;+ul7t ;:yfx? ;f]xL lsl;dsf] aLdf Aoj;fo ug]{ aLdssf] cfwf/e"t z]o/wgL ePsf] b]lvPdf,

-3_ ;F:yfks, ;~rfns Pj+ kbflwsf/L aLdf Aoj;fo ;~rfng ug{ ;Ifd ePsf] gb]lvPdf,

-ª_ bkmf ( jf !) adf]lhd ;ldltn] ;xdlt lbFbf tf]s]sf zt{ k"/f gu/]df jf k]z ug{ lgb]{zg lbPsf ljj/0f sfuhft k]z gu/]df,

-r_ P]g adf]lhdsf cGo cfjZos zt{ tyf k"jf{wf/ k"/f ePsf] gb]lvPdf,

-5_ ;ldltaf6 aLds btf{ /f]Ssf u/]sf] cj:yfdf afx]s bkmf ( jf !) adf]lhd ;xdlt k|fKt u/]sf] b'O{ jif{leqdf aLds btf{sf] nflu lgj]bg glbPsf] ePdf,

-h_ bkmf !$ adf]lhd g]kfn ;/sf/af6 :jLs[lt k|fKt gePdf .

-@_ pkbkmf -!_ adf]lhd aLdssf] k|df0fkq lbg OGsf/ u/]sf]df ;ldltn] ;f]sf] sf/0f ;lxtsf] hfgsf/L lgj]bsnfO{ lbg'kg]{5 .

-#_ pkbkmf -!_ adf]lhd btf{sf] k|df0fkq lbg OGsf/ u/]sf] cj:yfdf bkmf ( / !) adf]lhd k/]sf] lgj]bg :jtM lg:s[o ePsf] dflgg]5 .

!^= aLdssf] btf{ k|df0fkq lbFbf zt{ tf]Sg ;Sg] M -!_ ;ldltn] aLds btf{sf] k|df0fkq lbFbf

12


aLdf Joj;fonfO{ :j:y, k|lt:kwL{ / k|efjsf/L agfpg Pj+ aLldtsf] lxt ;+/If0f ug{ aLdf Joj;fosf] ;~rfng tyf cfjZos k"jf{wf/sf ljifodf cfjZos zt{ tf]Sg ;Sg]5 .

-@_ ;ldltn] pkbkmf -!_ adf]lhdsf zt{sf] kfngf ug'{ ;DalGwt aLdssf] st{Jo x'g]5 .

!&= k|fljlws jf Joj:yfksLo ;]jf ;Demf}tf ug{ ;Sg]M -!_ ljb]zL ;+o'Qm nufgLdf ;+:yfkgf

ePsf] aLdsn] ;ldltsf] :jLs[lt lnO{ ljb]zL nufgLstf{;Fu ;Demf}tf u/L k|fljlws jf Joj:yfksLo ;]jf k|fKt ug{ ;Sg]5 .

-@_ pkbkmf -!_ adf]lhd ul/g] ;Demf}tfdf b]xfosf laifox? ;dfj]z ug'kg]{5M,

-s_ aLdf Joj;fodf pknAw u/fpg] k|fljlws ;]jfx? tyf ;f]] ;]jf k|bfg u/] jfkt lnOg] z'Ns,

-v_ s'g} ljb]zL gful/s k|d'v sfo{sf/L clws[t, k|fljlws jf Joj:yfksLo kbdf /xg] ePdf To:tf AolQmx?sf] of]Uotf, ;]jfsf zt{ Pj+ kfl/>lds ;DaGwL Aoj:yf .

-u_ v08 -s_ / -v_ adf]lhdsf ljifox?df ;ldltn] dfkb08 agfO{ nfu' ug{ ;Sg]5 .

kl/R5]b $

ljb]zL aLds ;~rfng ;DaGwL Aoj:yf

!*= aLdf Joj;fo ;DaGwL Joj:yfM -!_ ljb]zL aLdsn] btf{ k|df0fkqdf pNn]v ePsf] aLdf Joj;fo dfq ;~rfng ug{ ;Sg]5 .

-@_ ljb]zL aLdsn] cfkm"n] wf/0f ug]{ hf]lvd wf/0f u/L afFsL /x]sf] hf]lvdsf] ;ldltn] tf]s] adf]lhd k'gaL{df ug'{ kg]{5 .

-#_ ljb]zL aLdsn] cfˆgf] zfvf sfof{nosf] ?kdf btf{ k|df0fkq k|fKt aLdssf] bfloTjsf] cfkm}n] k'gaL{df ug{ kfpg] 5}g .

-$_ ljb]zL aLdssf] btf{ gjLs/0f, btf{ vf/]hL tyf aLdf Aoj;fo ;DaGwL cGo s'/fx? P]g adf]lhd x'g]5 .

!(= hu]8f sf]if :yfkgf ug'{kg]{M -!_ ljb]zL aLdsn]] aLdf Joj;fo ;DaGwL bfloTj jxg ug{

P]g adf]lhd aLdf sf]if / clgjfo{ hu]8f sf]if sfod ug'{ kg]{5 .

-@_ ljb]zL aLdsn] k|To]s jif{ cfkm\gf] d'gfkmfsf] aL; -@)_ k|ltztn] x'g cfpg] /sd k"FhLsf]ifdf /fVg'kg]{5 .

13


@)= ;f]Ne]G;L dflh{g (Solvency Margin) sfod ug'{kg]{M -!_ hLjg aLdf Aoj;fo ug]{ ljb]zL

aLdsn] ;ldltaf6 tf]lsP adf]lhd ;f]Ne]G;L dflh{g sfod u/L cfkm\gf] aLdf Aoj;fo ;~rfng ug'{kg]{ 5 .

@!= Nffef+z 3f]if0ff ug{ gkfOg] M ljb]zL aLdsn]] lgwf{l/t k"FhL, aLdf sf]if, hu]8f sf]if /

;f]Ne]G;L dflh{g sfod gu/];Dd nfef+z 3f]if0ff ug{ / ljt/0f ug{ kfpg] 5}g .

@@= lgodg tyf ;'kl/j]If0f ;DaGwL Joj:yfM -!_ ljb]zL aLdssf] ;Dk"0f{ Aoj;fosf]] lgodg / ;'kl/j]If0f P]g adf]lhd x'g]5 .

-@_ aLdf Aoj;fo ;DjGwdf ;ldltaf6 ;do ;dodf hf/L ul/Psf lgb]{zg, kl/kq, dfu{bz{g cGoyf pNn]v ul/Psf] cj:yfdf afx]s ljb]zL aLdsnfO{ ;d]t nfu' x'g]5 .

-#_ P]g, lgodfjnL, ;ldltn] lbPsf lgb]{zg jf btf{ k|df0fkqsf zt{x? sfof{Gjog ug{ ljb]zL aLdssf] d'Vo sfof{no jf lgodgsf/L lgsfo jf cGo s'g} lgsfosf] :jLs[lt cfjZos kg]{ ePdf To:tf] :jLs[lt lng]] bfloTj ;DalGwt ljb]zL aLdssf] x'g]5 .

@#= yk :jLs[lt lng' kg]{M -!_ ljb]zL aLdsn] ;ldltaf6 tf]lsP adf]lhdsf] lgwf{l/t k"FhL,

bfloTj e'QmfgLsf nflu /fVg' kg]{ hu]8fsf]if / :jtGq hu]8f sf]if sfod u/L afFsL x'g] d'gfkmf dWo]af6 k|rlnt sfg"g adf]lhd s/, z'Ns / cGo s'g} bfloTj eP ;f] e'QmfgL u/L cfˆgf] d'Vo sfof{no ePsf] b]zdf n}hfg rfx]df k|rlnt sfg"gsf] clwgdf /xL ;ldltsf] :jLs[lt lnO{ n}hfg kfpg]5 .

-@_ ljb]zL] aLdsn] cfˆgf] sf/f]jf/ aGb ug{ jf sfof{no aGb ug{ ;ldltaf6 :jLs[lt lng' kg]{5 .

@$= aLds btf{ k|df0fkq vf/]h x'g ;Sg] M b]xfosf cj:yfdf ;ldltn] ljb]zL aLdssf] btf{

k|df0fkq vf/]h ug{ ;Sg]5M–

-s_ P]g, lgodfjnL, ;ldltaf6 lbOPsf lgb]{zg jf k|rlnt sfg"g kfngf gu/]df,

-v_ aLdssf] :jfldTj /x]sf] ljb]zl:yt sDkgL vf/]h ePdf jf lnlSj8]zgdf k/]df .

@%= ;DklQ Pj+ bfloTjsf] /fkm;fkmM ljb]zL aLds vf/]h ePdf jf lnlSj8]zgdf uPdf To:tf]

aLdssf] ;DklQ tyf bfloTjsf] lx;fj lstfjsf] /fkm;fkm / ;DklQ hkmt b]xfo adf]lhd x'g]5M–

14


-s_ ljb]zL aLdssf] bkmf @$ adf]lhd btf{ vf/]h ePdf aLdf Joj;fo ;~rfng ubf{ g]kfnleq / aflx/ ;[hgf ePsf ;Dk"0f{ bfloTjsf] e'QmfgL ug]{ lhDd]jf/L aLdssf] :jfldTj /x]sf] ljb]zl:yt sDkgLsf] x'g]5 .

-v_ ljb]zL aLdssf] btf{ vf/]h ePkl5 To:tf] aLdssf] Joxf]g'{kg]{ bfloTj ;'lglZrt ug{ cfjZos b]lvPdf ;ldltn] To:tf] aLdssf]] ;DklQ /f]Ssf /fVg ;Sg]5 . aLdssf] ;Dk"0f{ bfloTj e'QmfgL u/]kl5 dfq ;ldltn] /f]Ssf /fv]sf] ;DklQ km's'jf ug]{5 .

@^= sfo{sf/L k|d'vsf] lhDd]jf/L, kfl/>lds / ;'lawfM -!_ ljb]zL aLdssf]] ;Dk"0f{ k|zf;sLo

Pj+ Joj;flos sfdsf] k|d'v lhDd]jf/L sfo{sf/L k|d'vsf] x'g]5 .

-@_ ;ldltaf6 bkmf @& adf]lhd k|fljlws ;]jf ;Demf}tf :jLs[t ePsf]df aLdssf] sfo{sf/L k|d'v tyf sfo{/t cGo ljb]zL sd{rf/Lsf] kfl/>lds tyf ;'lawf ;f]xL ;Demf}tfdf n]lvP adf]lhd x'g]5 .

-#_ bkmf @& adf]lhd k|fljlws ;]jf ;Demf}tf gePsf]df sfo{sf/L k|d'v / cGo ljb]zL sd{rf/Ln]] kfpg] kfl/>lds tyf ;'ljwf cGo aLdssf sfo{sf/L k|d'v tyf sd{rf/Ln] kfpg] kfl/>lds tyf ;'ljwf ;/x x'g]5 .

@&= k|fljlws jf Joj:yfksLo ;]jf ;Demf}tf ug{ ;Sg]M -!_ ljb]zL aLdsn] ;ldltsf] :jLs[lt

lnO{ aLdssf] :jfldTj /x]sf] ljb]zl:yt sDkgL;Fu ;Demf}tf u/L k|fljlws jf Joj:yfksLo ;]jf k|fKt ug{ ;Sg]5 .

-@_ pkbkmf -!_ adf]lhd ul/g] ;Demf}tfdf b]xfosf laifox? ;dfj]z ug'kg]{5M–

-s_ aLdf Joj;fodf pknAw u/fpg] k|fljlws ;]jfx? tyf ;f]] ;]jf k|bfg u/] jfkt lnOg] z'Ns,

-v_ s'g} ljb]zL gful/s k|d'v sfo{sf/L clws[t, k|fljlws jf Joj:yfksLo kbdf /xg] ePdf To:tf JolQmx?sf] of]Uotf, ;]jfsf zt{ Pj+ kfl/>lds ;DaGwL Aoj:yf .

-u_ v08 -s_ / -v_ adf]lhdsf ljifox?df ;ldltn] dfkb08 agfO{ nfu' ug{ ;Sg]5 .

-#_ o; bkmfdf cGoq h'g ;'s} s'/f n]lvPsf] ePtfklg of] lgb]{lzsf k|f/De x'g' cl3 Aoj;fo ul//x]sf ljb]zL aLdsn] cfkm\gf] zfvf sfof{nodf aLdssf] :jfldTj /x]sf] ljb]zl:yt sDkgLaf6 k|fljlws tyf Joj:yfksLo ;]jf k|fKt ul//x]sf] eP pkbkmf -!_ / -@_ adf]lhd k|fljlws ;]jf ;Demf}tf ug'{kg]{5 .

15


@*= ;+o'Qm nufgL ug{ ;Sg] M -!_ of] lgb]{lzsf k|f/De x'Fbfsf avt aLdf Joj;fo ul//x]sf]

ljb]zL aLdssf] :jfldTj /x]sf] ljb]zl:yt sDkgL]n] ;ldltsf] :jLs[lt lnO{ ;+o'Qm nufgLdf aLds sDkgL ;+:yfkgf ug{ / aLdssf] ?kdf btf{ k|df0fkq k|fKt ug{ ;Sg]5 .

-@_ pkbkmf -!_ adf]lhd ;+:yfkgf eO{ aLds btf{ k|df0fkq k|fKt u/]kl5 ljb]zL aLdssf] ;Dk"0f{ ;DklQ, hfoh]yf tyf bfloTj ;+o'Qm nufgL ;Demf}tf adf]lhd ;+o'Qm nufgL ePsf] aLdsdf ;g]{5 .

@(= lg:s[o x'g]M aLds btf{ tyf ;~rfng ;DaGwdf o; lgb]{lzsfdf n]lvPsf s'/fsf

;DaGwdf of] lgb]{lzsf nfu" x'g'k"j{ ;ldltaf6 ePsf lg0f{o tyf hf/L ePsf lgb]{zgx? of] lgb]{lzsfdf n]lvPsf] xb;Dd lg:s[oM ePsf 5g\ . To:tf lg0f{o tyf lgb]{zg adf]lhd eP u/]sf sfd sf/afxL o;} lgb]{lzsf adf]lhd eP u/]sf] dflgg]5 .

16


cg';"rL–! -bkmf ( sf] pkbkmf -#_ sf] v08 -v_ ;Fu ;DalGwt_

k|:tfljt aLdssf]] ;+efJotf cWoog k|ltj]bgdf ;dfj]z ug{'kg]{ a'Fbfx?

!= g]kfnsf] ;dli6ut cfly{s cj:yfsf] ljZn]if0f -Macro Economic Analysis_M

-s_ g]kfnsf] cy{tGqsf] cj:yf,

-v_ s'n ufx{:y pTkfbgsf] laZn]if0f,

-u_ ;/sf/L ljQ l:ylt,

-3_ a}b]lzs Jofkf/sf] l:ylt,

-ª_ g]kfnsf] aLdf ahf/sf] jt{dfg cj:yf,

-r _ gofF aLds cfpg' kgf{sf] cf}lrTo .

@= g]kfnsf] aLdf Joj:yf (Insurance System of Nepal):

-s_ aLdf sDkgLx?,

-v_ aLdfsf] ljsf; -a[4L_ b/,

-u_ aLdfn]v / bflj e'QfgLsf] cg'kft -/fli6«o:t/df / sf/f]jf/sf] k|:tfljt If]qdf_,

-3_ aLdf z'Nsb/ ;+/rgf,

-ª_ hf]lvd cg'kft laZn]if0f -/fli6«o:t/df / sf/f]af/sf] k|:tfljt If]qdf_,

-r_ ;Defljt ljQLo pks/0f / Financial Innovation sf] cfjZostf,

-5_ gfkmf ljZn]if0f (Profitability Analysis),

-h_ ljBdfg aLDff k|0ffnLsf sdhf]/L tyf ;'wf/sf cfjZostf / aLdf sDkgL vf]Ng' kg]{ cf}lrTo . #= gofF aLdf sDkgLsf] Joj;flos of]hgf M -sDtLdf % aif{sf]_

-s_ k"FhL ;+/rgfsf] ljj/0f,

-v_ :yL/ ;Dkltsf] ljj/0f

-u_ Aoj:yfkg vr{,

-3_ gofF aLdsn] :yfloTj kfpg ;Sg] jf bLuf] j[l4 xfl;n ug]{ cfwf/e"t /0fgLlt,

-ª_ gofF aLdfn]v ;DaGwL of]hgf,

-r_ k'gaL{df ;DaGwL

-5_ aLdfsf] lsl;d / aLdfn]vsf] k|sf/

-h_ Aofkf/ lj:tf/ gLlt

-em_ zfvf lj:tf/ gLlt ,

-`_ ;+u7g tflnsf, Joj:yfkg zLk / Joj:yfkg ;"rgf k|0ffnL,

-6_ k|ljlw x:tfGt/0f,

-7_ aLDff ahf/sf] If]q,

17


-8_ nufgL gLlt, of]hgf

-9_ k|ltkmnsf] b/,

-0f_ dfgj ;+;fwg of]hgf

-t_ ahf/ k|j]z /0fgLlt -Market Penetration Strategy_ .

$= Joj;flos k|If]k0f, cfly{s cf}lrTo / aLdfn]v ljZn]if0f M

-s_ k"FhL ;+/rgf,

-v_ :yL/ k"FhL vr{ ljj/0f,

-u_ sfof{no ;+rfng vr{sf] ljj/0f,

-3_ sd{rf/L vr{ ljj/0f,

-ª_ k|f/lDes vr{sf] ljj/0f,

-r_ aLdf Joj;fosf] ahf/ lx:;f,

-5_ Jofh cfDbfgL / Jofh vr{sf] ljj/0f, cGo cfo, shf{ / hf]lvd Joj:yf,

-h_ sDtLdf kfFr jif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f,

-´_ aLDff sf]if (Insurance Fund) sf] ljj/0f /

-`_ k|:tfljt aLdssf] ;jn kIf, sdhf]/ kIf, cj;/ / r'gf}lt af/]sf] (SWOT) ljZn]if0f .

%= ;+j]bgzLntf ljZn]if0f (Sensitivity Analysis)

-s_ k|:tfljt aLdssf] aLdf sf/f]jf/sf] ahf/ c+zdf !) k|ltztn] sdL cfPsf] cj:yf b]lvg] u/L tof/ u/]sf] ljQLo ljZn]if0f .

-v_ k|:tfljt aLdssf] aLdf sf/f]jf/sf] ahf/ c+zdf !) k|ltztn] a[l4 ePsf] cj:yf b]lvg] u/L tof/ u/]sf] ljQLo ljZn]if0f .

-u_ k|:tfljt aLdsn] u/]sf]] k|If]lkt nufgLsf] Jofhb/df ! k|ltzt ljGb'n] sdL cfpFbf b]lvg]] gfkmf gf]S;fg l:ylt .

18


cg";"rL–@ -bkmf ( sf] pkbkmf -#_ sf] v08 -u_ ;Fu ;DalGwt_

k|:tfljt aLdssf ;F:yfksx?sf] JolQmut ljj/0f

!= k"/f gfd y/ M

@= hGd ldlt M

#= hGd :yfg M

$= gful/stf M

%= ljb]zLsf] xsdf M

-s_ ;+:yfsf] gfd M

-v_ ;+:yf btf{ ldlt M

-u_ k|ltlglwTj ug]{ JolQm M

gfd M

kb M

^= k'/f 7]ufgf M

-s_ :yfoL M -!_ 6]lnkmf]g -@_ Od]n -#_ km\ofS;

-v_ c:yfoL M -!_ 6]lnkmf]g -@_ Od]n -#_ km\ofS;

&= xfnsf] k]zf M -s_ kmd{ jf sfof{nosf] gfd M -v_ 7]ufgf M -u_ Joj;fosf] k|s[lt÷sfd M -3_ kbsf] gfd M -ª_ 6]lnkmf]g÷ ˆofS;÷O{d]n M

*= a}jflxs l:ylt M

-s_ ljjflxt÷ cljjflxt÷ ;DaGw ljR5]b eO{ cnu a;]sf]

-v_ ljjflxtsf] xsdf klt÷kTgLsf] gfd M -u_ klt÷kTgLsf] k]zf M -3_ cfl>tx?sf] ljj/0f

k"/f gfd gftf pd]/ OR5fOPsf] JolQm÷;F:yf

z}lIfs of]Uotf

(= -s_ afa'sf] gfd M 7]ufgf M k]zf M

-v_ afh]sf] gfd M

19


7]ufgf M !)= z}lIfs of]Uotf M

tx ;+:yfsf] gfd 7]ufgf ljifo pkflw lnPsf] ldlt :gfts :gftsf]Q/ ljBfjfl/lw Joj;flos :t/ tflnd ;]ldgf/ s_ v_ u_

!!= /f]huf/L÷cg'ejsf] clen]v -ljut % jif{sf] aLds jf s'g} klg k|sf/sf] aLdf Joj;fo jf lgodgsf/L

sfo{ ug]{ ;+:yf eP ;f]sf] lj:t[t ljj/0f M

;+:yfsf] gfd, 7]ufgf cjlw kb lgs6td ;'kl/j]Ifssf] gfd

sfd 5f]8\g'sf] sf/0f

!@= tkfO{;Fu s'g} Joj;flos (Professional) ljifodf sfd ug]{ O{hfht 5 < 5, 5}g <

olb 5 eg],– -s_ Ohfhtsf] k|s[lt M -v_ Ohfht lnPsf] ldlt M -u_ Ohfht gDj/ M -3_ Ohfht lbg] ;+:yf / 7]ufgf M

!#= s'g} klg lsl;dsf] Joj;fo jf kmd{÷sDkgL÷;+ul7t ;+:yfdf ;+nUg /x]sf] eP To:tf] Joj;fosf] gfd, 7]ufgf, ;+:yf ePdf btf{ ldlt, z]o/ c+z / ;+:yfsf] sfdsf] k|s[lt tyf cGo ;a} ;~rfns, z]o/wgL tyf To:tf ;+:yfx?sf] ;DklQ tyf bfloTj cflbsf] ljj/0f . ;F:yfks ;+nUg kmd{÷sDkgL÷ ;+ul7t ;+:yfsf] kl5Nnf] b'O{ cf=j=sf] n]vf k/LIfsaf6 k|dfl0ft ljQLo ljj/0f . -ljj/0fx? yk ePdf 5'§} kfgfdf k]z ug{ ;lsg]5_

!$= tkfO{ s'g} Joj;flos Ifdtfsf] cfwf/df, aLdf ;ldltaf6 lg/LIf0f, cg'udg ug'{kg]{ ;+:yfdf sfd ug'{x'G5 <

-olb 5 eg], ;+:yfsf] gfd, 7]ufgf / sfdsf] k|s[lt pNn]v ug'{xf];\ . ;fy}, ;DjlGwt ;+:yfaf6 ;+:yfkg x'gsf nflu :jLs[lt kq k]z ug'{xf];\ _ .

!%= s'g} ;+ul7t ;+:yfdf tkfO{sf] s'g} ljQLo :jfy{ jf lxt ufFl;Psf] 5 eg] v'nfpg' xf];\ <

!^= d}n]÷xfdLn] k|:tfljt aLdf sDkgLdf /sd ?==========-cIf/]kL==============================_ nufgL ug{ nfu]sf] 5' ÷5f}+ . pQm /sd ;f] aLdssf] s'n r'Qmf k"FhLsf] k|ltzt =======x'G5 . d}n] ÷xfdLn] sf/f]jf/ ug]{ s/

20


sfof{no ============================== xf] . ;fy}, nufgL ug{ nfu]sf] /sdsf] cfo ;f|]tsf] ljj/0f lgDgfg';f/ k|:t't u/]sf] 5'÷5f}+ .

nufgL /sdsf] cfo >f]t ljj/0f qmd ;+Vof cfo ;|f]tsf] If]q /sd s}lkmot

gf]6M

-!_ dfly plNnlvt ljleGg ;|f]tx?af6 nufgL ug{ k|:tfj ul/Psf] /sdsf] nflu b]xfo adf]lhdsf cfjZos k|df0fx? k]z ug'{ kg]{5 .

-s_ pBf]u, Jofkf/ k]zf / Joj;fojf6 cfh{g u/]sf] eP s'g s'g pBf]u, Jofkf/, k]zf / Joj;fojf6 cfh{g ePsf] xf] ;f] sf] ljj/0f :ki6 x'g] sfuhft / ;f] df lt/]sf] s/ ;DaGwL sfuhft .

-v_ k}t[s jf kfl/jfl/s ;DklQaf6 z]o/df nufgL ug{ k|:tfj ul/Psf] cj:yfdf ;f] ;DaGwL c+za08f lnvtsf] k|ltlnlk jf cGo sfuhft . c+zj08f gePsf] xsdf rn÷ crn ;DklQ x:tfGt/0f ePsf] k|df0f .

-u_ 3/hUuf ljqmLaf6 k|fKt cfosf] xsdf /sd :ki6 x'g] /lhi6«]zg lnvtsf] k|ltlnlk, nfef+zsf] xsdf To:tf] nfef+z k|fKt u/]sf] sDkgL, jif{, /sd cflb lj:t[t ljj/0f .

-3_ 3/afxfn cfosf] xsdf ;f] ;DaGwL ;Demf}tfsf] 5ljlrq / s/ r'Stf u/]sf] k|df0f ;lxtsf] cfo ljj/0f, kfl/>lds cfosf] xsdf ;DalGwt /f]huf/bftfaf6 k|dfl0ft cfosf] ljj/0f .

-ª_ s[lif cfosf] xsdf sxfF / s'g :yfgsf] slt hdLg, :jfldTj k|fKt ePsf] ldlt tyf s[lifof]Uo cfo cfh{g xf] ;f] ljj/0f tyf ;f] Joxf]/f v'Ng] sfuhft / nfnk"hf{sf] 5ljlrq .

-r_ k]G;g tyf cjsf; /sdsf] xsdf ;f] jfkt k|fKt /sd k|dfl0ft x'g] k]G;g k§f jf o:t} cGo cflwsfl/s sfuhft, /]ld6fG; afkt k|fKt /sdsf] xsdf /]ld6fG; k7fpg] / kfpg] aLrsf] gftf, sxfFaf6 s] jfkt o:tf] /]ld6fG; k|fKt ePsf] xf] ;f] v'Ng] sfuhft . dfly plNnlvt >f]t jfx]s cGo >f]tjf6 nufgL ug]{ ePdf To:tf] >f]t k|dfl0ft x'g] sfuhft .

-@_ s'g} JolQm jf lgsfojf6 k|fKt /sdaf6 nufgL ul/Psf] eP To:tf] /sd k|bfg ug]{ JolQmsf] >f]t / s] jfkt lsg k|fKt ePsf] xf] ;f] ;d]tsf] ljj/0f .

d÷xfdLn] dflysf] tflnsfdf plNnlvt ljj/0f adf]lhdsf] cfDbfgL / ;f] cfodf k|rlnt sfg"g adf]lhd s'g} s/ ltg'{ kg]{ cj:yfdf g]kfn ;/sf/ tyf cGo ;DalGwt lgsfonfO{ ltg'{÷a'emfpg' kg]{ s/÷/fh:j /sd lgodfg';f/ r'Stf u/]sf 5'÷5f}+ . d÷xfdLn] ;Dklt z'4Ls/0f u/L u/fO{ ;f]af6 cfh{g u/]sf] /sdaf6 k|:tfljt aLdsdf nufgL ug{ nfu]sf] x}g . d}n]÷xfdLn] nufgL ug{ k|:tfj u/]sf] /sdsf] cfo;|f]tsf] ;DaGwdf sfg"g adf]lhd ;DalGwt lgsfoaf6 s'g} sfg"gL sf/jfxL ePdf k|rlnt sfg"g adf]lhd ;hfosf] efuLbf/ /xg d~h'/ /x]sf] Joxf]/f ;d]t cjut u/fpFb5'÷u/fpb5f} . cfo;+u ;DalGwt ;Dk"0f{ sfuhftx? k]z u/]sf] 5'÷5f} . k]z ul/Psf ljj/0fx? cflwsfl/s lgsfon] dfu u/]df pknJw u/fpg ;d]t d+h'/L 5 . ;fy}, s'g} cflwsfl/s lgsfoaf6 cfo ljj/0f ;DaGwL yk sfuhft

21


dfu ePdf ;f] sf] k|dfl0ft sfuhft ;d]t pknAw u/fpg] 5'÷5f}+ . dfly n]lvPsf] ;Dk"0f{ ljj/0f / Joxf]/f 7Ls ;fFrf] xf] . em'7f 7x/] sfg"g adf]lhd ;xF'nf a'emfpFnf .

!&= tkfO{ s'g} kmf}Hbf/L cleof]udf kg'{ ePsf] 5 <

5 jf 5}g < -5 eg] lj:t[t ljj/0f v'nfpg' xf];\ _

!*= cfos/ btf{÷r'Qmf ePsf]÷cfly{s jif{ ========= ;Ddsf] k|df0f ;+nUg 5 .

!(= tkfFO{+n] cGo aLdssf] ;F:yfks z]o/df nufgL ug'{ePsf] 5 <

5 jf 5}g < -5 eg] lj:t[t ljj/0f v'nfpg' xf];\ <_

@)= lgDg k|Zgx?sf] hjfkm lbg'xf];\ M

-s_ tkfO{+sf] lj?4df cbfntdf s'g} ck/flws sf/jfO{ lj?4 d'2f rn]sf] 5 <

5 jf 5}g<-5 eg] lj:t[t ljj/0f v'nfpg' xf];\ <_

-v_ tkfO{+n] sfg"g pNn+3g u/]sf] sf/0faf6 ;hfoF kfpg' ePsf] 5 <

5 jf 5}g<

-u_ tkfO{+ ;+nUg ePsf] s'g} ;+:yf 6f6 kN6]sf] 5 <

5 jf 5}g <

-3_ tkfO{+n] sfd u/]sf] jf ;~rfns ePsf] jf tkfO{+n] ! -Ps_ k|ltzt eGbf a9L z]o/ nufgL u/]sf] ;+:yf shf{ e'QmfgL ug{ g;s]sf] sf/0f slxNo} sfnf];"rLdf k/]sf] 5, 5}g .

5 jf 5}g<

-ª_ u}/ sfg"gL ?kdf ljb]zL d'b|f sf/f]jf/df ;+nUg x'g' ePsf] 5 <

5 jf 5}g <

-r_ tkfO{+ ;+nUg ePsf] ;+:yf slxNo} ck/flws s[ofsnfkdf ;+nUg ePsf] 5 <

5 jf 5}g <

-5_ tkfO{nfO{+ a}+s tyf ljQLo ;+:yfsf] shf{ sf/f]jf/df b'?kof]u u/]sf] / ;Gtf]ifhgs gePsf] egL a}+s tyf ljQLo ;+:yfaf6 s'g} clen]v u/]sf] 5 <

5 jf 5}g <

-h_ tkfO{ shf{ ;"rgf s]Gb|sf] sfnf];"rLdf kg'{ ePsf] 5 <

5 jf 5}g <

olb k/]sf] eP ;f] ;"rLaf6 k'ms'jf ePsf] ldltn] sDtLdf tLg jif{ k'/f ePsf] 5 <

5 jf 5}g <

-em_ tkfO{+ cGo aLdssf] axfnjfnf sd{rf/L, ;~rfns, n]vfk/LIfs sfg"gL jf cGo ;Nnfxsf/ x'g'x'G5 <

5 jf 5}g <

-`_ tkfO{+ lwtf]kq bnfn jf ahf/ lgdf{tf /xg' ePsf] 5 <

22


5 jf 5}g <

-6_ tkfO{ s'g} ;fj{hlgs ck/fw u/]sf], sfg"g pNn+3g u/]sf] jf k|rlnt sfg"g jdf]lhd lj36gdf k/]sf] s'g} ;+:yfdf sd{rf/L jf ;NNffxsf/sf] ?kdf /xg' ePsf] 5 <

5 jf 5}g <

-7_ tkfO{ k|rlnt sfg"g jdf]lhd bfdf;flxdf kg'{ ePsf] 5 <

5 jf 5}g <

-8_ tkfO{n] s'g} /fhg}lts kbdf lgjf{lrt jf dgf]lgt k|ltlglwsf] ?kdf sfdsfh ul//xg' ePsf] 5 <

5 jf 5}g <

-9_ tkfO{nfO{ k|rlnt sfg"g jdf]lhd s'g} k]zf jf Joj;fo ug{ /f]s nufOPsf] 5 <

5 jf 5}g <

-0f_ tkfO{n] nufgL u/]sf] cGo kmd{÷sDkgL÷;+ul7t ;+:yf aLdf ;ldltn] lg/LIf0f tyf ;'kl/j]If0f ug{ rfx]df dGh'/ 5 <

5 jf 5}g <

-t_ tkf+O{sf] s'g} glhssf] gft]bf/ aLdf ;ldltsf] ;~rfns ;ldlt ;b:o tyf ;ldltdf sd{rf/L

/x]sf 5g\ ?

5 jf 5}g < -5 eg] lj:t[t ljj/0f v'nfpg' xf];_

@!= of] k|:tfljt aLdssf] ;F:yfkssf] x}l;otn] d}n]÷xfdLn]] r'Qmf k"FhLsf] ===== k|ltzt z]o/ lng d~h'/ u/]sf] 5'÷5f} .

@@= ;do ;dodf ;ldltn] lgwf{/0f u/] cg'?k d}n]÷xfdLn] k|:tfljt aLdssf] k"FhL sfod ug]{] k|ltj4tf hfx]/ ub{5'÷ ub{5f} . dfly pNn]v ul/Psf] ljj/0f l7s ;fFrf] x'g\ . oL s'g} klg ljifodf hfFra'em÷5fgljg ug{ d]/f]÷xfd|f] d~h'/L 5 . e'm7f] ePdf o;}sf cfwf/df k|:tfljt aLdssf] ;+:yfkgf ug]{ ;xdlt glbPdf d~h'/L 5 . b:tvt M gfd M ldlt M 7]ufgf M 6]lnkmf]g M

cg';"rL–#

23


-bkmf !) sf] pkbkmf -#_ sf] v08 -ª_ ;Fu ;DalGwt_

ljb]zL aLdssf] zfvf sfof{nosf] Joj;flos of]hgf

!= Joj;flos /0fgLlt

-s_ Joj;fosf] p2]Zo, gLlt tyf /0fgLltx?

-v_ Joj;flos cfwf/ / d'Vo ;]jfx?

-u_ nlIft u|fxs

-3_ ahf/ k|lt:kwf{ /0fgLlt <

@= ;du| /0fgLlt

#= Joj;flos gLlt

-s_ aLdf Joj;fosf] lj:tf/

-v_ cGo nufgL

-3_ nIo / lj:tf/

-ª_ ;+efljt bfloTj Joj:yf gLlt

$= k|lt:kwf{Tds ljZn]if0f

-s_ ;du| cfly{s cj:yf / If]qut ljZn]if0f

-v_ ;jn÷b'a{n, r'gf}tL÷cj;/ (SWOT) kIfsf] ljZn]if0f

%= aLdf of]hgf th'{df ubf{ ;+efljt ahf/ ljZn]if0f, aLdf of]hgfsf] aLdf z'Ns lgwf{/0f tyf bfloTj ;DaGwL Joj:yf v'n]sf] aLdfÍLsf] k|ltj]bg .

^= k|:tfljt zfvf sfof{nsf] lj:t[t ljj/0f

-s_ zfvf sfof{no /xg] :yfg

-v_ k|:tfljt lgwf{l/t k"FhL -Assinged Capital_ sf] ljj/0f

-u_ ljb]zL sd{rf/Lx?sf] ;+Vof

24


cg';"rL–$ -bkmf !# sf] v08 -u_ ;Fu ;DalGwt_

;F:yfkssf] of]Uotf

b]xfo adf]lhdsf] of]Uotf k'u]sf] JolQm dfq aLdf sDkgLsf] ;F:yfks x'g ;Sg]5M– != ;+:Yffksx?dWo] Ps ltxfO{ ;F:yfksx? sDtLdf :gfts jf ;f] ;/xsf] pkflw k|fKt u/]sf] x'g'kg]{5 . @= b]xfosf] JolQm ;F:yfks x'g of]Uo x'g] 5}gM–

-s_ @! jif{ pd]/ k"/f gePsf],

-v_ dfgl;s ;Gt'ng 7Ls gePsf],

-u_ C0f ltg{ g;sL ;fx"sf] bfdf;fxLdf k/]sf],

-3_ a}+s jf ljQLo ;+:yf;+usf] s'g} sf/f]af/df sfnf];"rLdf k/L ;f] ;"rLaf6 k'ms'jf ePsf] ldltn] sDtLdf tLg jif{ k"/f gePsf],

-ª_ k|rlnt sfg"g adf]lhd s/ ltg'{kg]{ bfloTj eO{ To:tf] s/ r'Qmf gu/]sf],

-r_ a}ls+u s;"/, 7uL, hfn;fhL, sLt]{, ;DklQ z'l4s/0f, e|i6frf/, dfgj a]rlavg, ckx/0f jf z/L/ aGws jf g}lgs ktg b]lvg] cGo s;"/df cbfntaf6 ;hfo e'Qmfg u/]sf] kfFr jif{ k"/f gePsf],

-5_ aLdf ;ldltn] Joj:Yffkg cfkm\gf] lgoGq0fdf lnO{ lgnDjg jf lj36gdf k/]sf] aLdssf]] xsdf To:tf] aLdssf] ;F:yfks jf ;~rfns ePsf] JolQm eP To:tf] lgnDjg÷lj36g k/]sf] ldltn] tLg jif{ gk'u]sf],

-h_ a}+s tyf laQLo ;:yfaf6 lnPsf] shf{ b'?kof]u u/L c;'nLsf] qmddf cbfntdf d'2f rln/x]sf],

-em_ g]kfn lwtf]kq ahf/sf] ahf/ lgdf{tf jf lwtf]kq bnfn /x]sf] .

#= ;F:yfksx?;Fu aLdsdf u/]sf] nufgLsf] cg'kftdf aLds sDkgLnfO{ yk k"FhL nufgL cfjZos kbf{ To:tf] yk k"FhL nufpg ;Sg] Ifdtf x'g' kg]{5 .

25


cg';"rL–% -bkmf !# sf] v08 -u_ ;Fu ;DalGwt_

;~rfnssf] of]Uotf

!= b]xfosf] JolQm aLdf sDkgLsf] ;~rfns x'g ;Sg] 5}gM–

-s_ :gfts txsf] pkfwL k|Kt gu/]sf],

-v_ @! jif{ pd]/ k"/f gePsf],

-u_ dfgl;s ;Gt'ng 7Ls gePsf],

-3_ C0f ltg{ g;sL ;fx"sf] bfdf;fxLdf k/]sf],

-ª_ a}+s jf ljQLo ;+:yf;+usf] s'g} sf/f]af/df sfnf];"rLdf k/L ;f] ;"rLaf6 k'ms'jf ePsf] ldltn] sDtLdf tLg jif{ k"/f gePsf],

-r_ s'g} aLdssf]] ;~rfns jf sd{rf/L jf n]vfk/LIfs jf ;Nnfxsf/,

-5_ ;DalGwt aLdf sDkgL;+u s'g} lsl;dsf] 7]Ssf k§fdf ;+nUgtf /x]sf],

-h_ lwtf]kq Joj;foLsf] ?kdf sfo{ ug{ lwtf]kq ahf/sf] ;b:otf k|fKt u/]sf],

-em_ aLdf sDkgLsf] lgodfjnL adf]lhd ;~rfns x'gsf] nflu lng'kg]{ Go"gtd z]o/ glnPsf],

-`_ ;ldlt jf aLdssf] axfnjfnf sd{rf/L,

t/ g]kfn ;/sf/n] z]o/ vl/b u/]sf] aLdf sDkgLdf g]kfn ;/sf/sf] tkm{af6 ;~rfns dgf]gLt ePsf]df jf s'g} aLdf sDkgLn] z]o/ vl/b u/]sf] csf]{ aLdf sDkgLdf ;f] aLdf sDkgLsf] tkm{af6 ;~rfns dgf]gLt ePsf]df of] Joj:yf nfu" x'g] 5}g .

-6_ ;ldltsf] cWoIf eO{ ;s]sf],

-7_ ;ldltsf] sfo{sf/L lgb]{zs, lgb]{zs kbdf axfn /xL ;]jfaf6 x6]sf] jf cjsf; k|fKt u/]sf] ldltn] sDtLdf b'O{ aif{ k"/f gePsf],

-8_ k|rlnt sfg"g adf]lhd s/ ltg'{kg]{ bfloTj eO{ To:tf] s/ r'Qmf gu/]sf],

-9_ a}ls+u s;"/, 7uL, hfn;fhL, sLt]{, ;DklQ z'l4s/0f, e|i6frf/, dfgj a]rlavg, ckx/0f jf z/L/ aGws jf g}lgs ktg b]lvg] cGo s;"/df cbfntaf6 s;"/bf/ 7x/]sf],

-0f_ P]gsf] bkmf #^ sf] pkbkmf -#_ adf]lhd ;ldltn] sf/afxL u/]sf] ldltn] kfFr jif{ gk'u]sf], jf

-t_ ;ldltn] Joj:yfkg lgoGq0fdf lnO{ lgnDag jf lj36gdf k/]sf] aLdssf] ;~rfns / k|d'v sfo{sf/L ePdf To:tf] sf/jfxL ePsf] ldltn] kfFr jif{ gk'u]sf] .

aLds btf{ tyf aLdf Joj;fo ;~rfng ;DaGwL lgb]{lzsf,...

Documents

Transcript of aLds btf{ tyf aLdf Joj;fo ;~rfng ;DaGwL lgb]{lzsf,...