Monetary Policy (In Nepali) - 2074-75 (Full Text) - New

cfly{s jif{ @)&$&% sf]
df}lb|s gLlt
g]kfn /fi6 a}+s

s]Gb|Lo sfof{no
afn'jf6f/, sf7df8f}+
c;f/ @)&$
ueg{/ 8f= lr/+hLla g]kfnn]
@)&$ c;f/ @% ut]
;fj{hlgs ug'{ePsf]
cfly{s j{ @)&$&% sf]

df}lb|s gLlt
g]kfn /fi6 a}+s

s]Gb|Lo sfof{no
g]kfn /fi6 a}+s
s]Gb|Lo sfof{no
g]kfn
kmf]g g+= $$!!^#*

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ljifo ;"rL
ljj/0f k[i7
k[i7e"ld !
cGt/f{li6o cfly{s kl/b[Zo !
cfly{s l:yltsf] ;dLIff @
df}lb|s tyf ljQLo l:yltsf] ;dLIff #
cfly{s jif{ @)&$&% sf] df}lb|s gLltsf] :j?k &
df}lb|s gLltsf] sfo{lbzf &
cfly{s tyf df}lb|s nIo &
df}lb|s gLltsf] ;+rfng nIo tyf pks/0f *
cfly{s jif{ @)&$&% sf] ljQLo If]q sfo{qmd !)
ljQLo If]q ;'wf/ !)
;ldi6ut ljj]szLn lgodg !)
lgodg tyf ;'kl/j]If0f !@
n3'ljQ tyf ljQLo u|fxs ;+/If0f !$
ljb]zL ljlgdo Joj:yfkg !%
cg';"rL ! M cfly{s jif{ @)&#&$ sf] df}lb|s gLltsf] nIo tyf k|ult ljj/0f !&
cg;"rL @ M cfly{s jif{ @)&#&$ sf] ljQLo If]q, n3'ljQ tyf ljb]zL ljlgdo
;DaGwL gLlt tyf sfo{qmdxsf] k|ult ljj/0f !(
cg';"rL # M df}lb|s ;j]{If0fsf] k|If]k0f @&
tflnsf ;"rL @*
cfly{s jif{ @)&$&% sf] df}lb|s gLlt
k[i7e"ld
1. cfly{s j[l4 / ;dli6ut cfly{s :yfloTjsf b[li6sf]0fn] cfly{s jif{ @)&#&$ pT;fxk|b /Xof] .
pRr cfly{s j[l4, Go"g d'b|f:kmLlt / zf]wgfGt/ artsf] l:yltn] cy{tGqdf gofF cfzfsf] ;+rf/
hufPsf] 5 . cg's"n df};d, ko{6s cfudgdf j[l4 tyf ;du| cfk"lt{ Joj:yfdf cfPsf] ;'wf/sf
sf/0f cy{tGq ;sf/fTds lbzfdf cufl8 a9]sf] 5 .
2. pkef]u tyf hf]lvdo'Qm If]qdf cTolws shf{ lj:tf/sf sf/0f cfly{s jif{ @)&#&$ sf] klxnf]
qodf;kl5 ljQLo c;Gt'ngsf] l:ylt b]vf kof] . tyflk, o; a}+sn] g}lts bjfj tyf ljleGg
gLltut pkfox? ckgfPsf sf/0f ljQLo c;Gt'ngsf] l:yltdf xfn ;'wf/ cfPsf] 5 . a}+ls
If]qdf /x]sf] lgIf]k ;+/rgfdf ;sf/fTds kl/jt{g cfPsf] 5 eg] nfdf] ;do;Dd /x]sf] lgIf]ksf]
Go"g Aofhb/df klg ;'wf/ b]lvPsf] 5 . kl/0ffd:j?k, s'n ufx{:Yo art cg'kft cl3Nnf] jif{sf]
#=* k|ltztaf6 cfly{s jif{ @)&#&$ df !)=# k|ltzt k'Ug] cg'dfg 5 .
3. a}+s tyf ljQLo ;+:yfx?sf] zfvf ;+hfndf ePsf] pNn]Vo lj:tf/n] ljQLo kx'Fr a9fpgdf
dxTjk"0f{ of]ubfg k'ofPsf] 5 . To;}u/L, art tyf C0f ;xsf/L ;+:yfx?sf] ;+Vof / ;fwg
kl/rfngdf ePsf] j[l4n] ljQLo kx'Fr lj:tf/df yk ;xof]u k'u]sf] 5 . tyflk, o:tf ;xsf/L
;+:yfx?sf] lgodg tyf ;'kl/j]If0f k|efjsf/L agfO{ ;du| ljQLo If]qsf] :yfloTj sfod ug]{
r'gf}tL eg] a9\b} uPsf] 5 .
4. z]o/ ahf/df cl3Nnf] cfly{s jif{ b]lvPsf] p5fn rfn' cfly{s jif{ ;fdfGoLs/0f ePsf] 5 . z]o/
ahf/ / 3/hUuf sf/f]af/df a}+s shf{ s]lGb|t gxf];\ / k|fyldstf k|fKt If]qdf a9L shf{ k|jfx
xf];\ eGg] p2]Zo /fvL o; a}+sn] cfjZos lgofdsLo lgoGq0fsf pkfox? cjnDag u/]sf sf/0f
;d]t k'hF L ahf/ :yfloTjtk{m pGd'v ePsf] xf] .
5. ljZj cy{tGq, :yfgLo txsf] lgjf{rg, g]kfn ;/sf/sf] jflif{s ah]6, a}+ls If]qdf b]lvPsf]
ljQLo c;Gt'ng, g]kfnLx?sf] >d uGtJo d'n'sx?df pTkGg kl5Nnf] l:ylt tyf a9\bf]
cfoftnfO{ Wofgdf /fvL cfly{s jif{ @)&$&% sf] df}lb|s gLlt th'{df ul/Psf] 5 . g]kfn /fi6
a}+s P]g, @)%* df Joj:yf eP adf]lhd cfly{s jif{ @)%(^) b]lv ;fj{hlgs ug{ yflnPsf]
jflif{s df}lb|s gLltsf] of] ;f]x|f} >[+vnf xf] .
6. g]kfn a}+s;{ ;+3, 8]enkd]06 a}+s;{ Pzf]l;Pzg, ljQLo ;+:yf ;+3, n3'ljQ a}+s;{ ;+3, pBf]u,
jfl0fHo If]qsf ;+u7gx?, j'l4hLjL, ;j{;fwf/0f nufot ;a} ;/f]sf/jfnfx?af6 k|fKt ;'emfjnfO{
;d]t Wofgdf /fvL df}lb|s gLlt th'{df ul/Psf] 5 .
cGt/f{li6o cfly{s kl/b[Zo
7. ;g\ @)!^ df ljZj cy{tGq #=! k|ltztn] j[l4 ePsf]df ;g\ @)!& df #=% k|ltzt / ;g\ @)!*
df #=^ k|ltztn] j[l4 x'g] cGt/f{li6o d'b|fsf]ifsf] k|If]k0f 5 . ljsl;t /fi6x?sf] cy{tGq ;g\
@)!^ df !=& k|ltztn] j[l4 ePsf]df ;g\ @)!& / ;g\ @)!* df @=) k|ltztn] j[l4 x'g] k|If]k0f
5.
8. ljZj cfly{s j[l4b/df cfPsf] ;'wf/af6 g]kfn nufotsf cNkljsl;t d'n'sx?df ;sf/fTds
k|efj kg]{ b]lvG5 . tyflk, Go"g pTkfbsTj j[l4 Pjd\ ljsl;t d'n'sx?sf] :jb]z nlIft ljsf;
gLltn] pbLodfg tyf cNkljsl;t d'n'sx?nfO{ c;/ kg{;Sg] cfFsng ;d]t ul/Psf] 5 .
2 g]kfn /fi6 a}+s
9. ef/tLo cy{tGq ;g\ @)!^ df ^=* k|ltztn] j[l4 ePsf]df ;g\ @)!& df &=@ k|ltzt / ;g\
@)!* df &=& k|ltztn] j[l4 x'g] k|If]k0f 5 . rLgsf] cy{tGq eg] ;g\ @)!^ sf] ^=& k|ltztsf]
t'ngfdf ;g\ @)!& df ^=^ k|ltzt / ;g\ @)!* df ^=@ k|ltztn] j[l4 x'g] k|If]k0f 5 .
10. ljsl;t d'n'sx?sf] d'b|f:kmLlt b/ ;g\ @)!& df @=) k|ltzt / ;g\ @)!* df !=( k|ltzt /xg]
d'b|fsf]ifsf] k|If]k0f 5 . ;g\ @)!^ df eg] o:tf] d'b|f:kmLlt b/ )=* k|ltzt dfq /x]sf] lyof] .
;dli6ut dfudf x'g] j[l4n] ;du| d'b|f:kmLltdf bjfj kg]{ cg'dfg ul/Psf] 5 . To;}u/L, ef/tsf]
d'b|f:kmLlt b/ ;g\ @)!^ df $=( k|ltzt /x]sf]df ;g\ @)!& df $=* k|ltzt / ;g\ @)!* df
%=! k|ltzt /xg] k|If]k0f 5 . ;fy}, rLgsf] d'b|f:kmLlt b/ ;g\ @)!^ df @=) k|ltzt /x]sf]df ;g\
@)!& df @=$ k|ltzt / ;g\ @)!* df @=# k|ltzt /xg] k|If]k0f 5 .
11. ;g\ @))* sf] ljZj ljQLo ;+s6kZrft\ ;+o'Qm /fHo cd]l/sfsf] km]8/n l/hj{n] lnPsf] u}/
k/Dk/fut df}lb|s gLlt kl/j{tg u/L ;g\ @)!% l8;]Da/b]lv ;fdfGoLs/0f ub}{ nu]sf] 5 . km]8/n
l/he{n] @)!& h'g !$ -@)&$ h]7 #!_ df gLltut b/ )=@% k|ltztn] a9fP/ !=) k|ltztb]lv
!=@% k|ltztsf] nlIft ;Ldfdf sfod ug]{ p2]Zo /fv]sf] 5 . t/ o"/f] If]q tyf hfkfgdf eg]
df}lb|s sfo{lbzf nlrnf] g} /xg] cg'dfg 5 .
12. cGt/f{li6o d'b|fsf]ifsf] ljZj ljQLo :yfloTj k|ltj]bg, @)!& n] ljQLo :yfloTjdf qmlds ;'wf/
x'Fb} cfPsf] hgfPsf] 5 . cfly{s lqmofsnfkn] ult lng yfn]sf], a}+s tyf aLdf sDkgLx?sf]
d'gfkmf a9]sf] / bL3{sfnLg Aofhb/df j[l4 ePsf]n] ljQLo If]qdf ;'wf/ b]lvPsf] pNn]v 5 .
tyflk, kl5Nnf] ljZj /fhgLlts kl/j]z tyf ;+/If0fjfbL gLlt k|ltsf] e'msfj nufotsf sf/0f
cGt/f{li6o Jofkf/ tyf k"FhL k|jfxdf c;/ kg{ ;Sg] d'b|fsf]ifsf] cfFsng 5 .
cfly{s l:yltsf] ;dLIff
13. cfly{s jif{ @)&#&$ df oyfy{ s'n ufx{:Yo pTkfbg -cfwf/e"t d"Nodf_ ^=( k|ltztn] j[l4 x'g]
cg'dfg 5 . s[lif, pBf]u tyf ;]jf If]qsf ultljlwx?df cfPsf] ;'wf/sf sf/0f cfly{s jif{
@)&#&$ df s'n ufx{:Yo pTkfbg nIo -^=% k|ltzt_ eGbf s]xL dfly /xg] b]lvPsf] xf] .
14. df};dL cg's"ntf, s[lifhGo cfutx?sf] cfk"lt{ ;xhtf tyf jg k}bfjf/sf] pkhdf ePsf]
lj:tf/sf sf/0f ;dLIff jif{df s[lif If]qsf] j[l4b/df ;'wf/ cfPsf] cg'dfg 5 . ljB't cfk"lt{ tyf
nufgLsf] jftfj/0fdf cfPsf] ;'wf/sf sf/0f u}/s[lif If]qsf] j[l4b/ pRr /x]sf] cg'dfg 5 .
15. cfly{s jif{ @)&#&$ sf] k|rlnt d"Nosf] s'n ufx{:Yo pTkfbg ?= @%(( ca{df pkef]usf] c+z
*(=&% k|ltzt / artsf] c+z !)=@% k|ltzt /x]sf] 5 . s'n /fli6o artsf] s'n ufx{:Yo
pTkfbg;Fusf] cg'kft $#=&* k|ltzt /xg] cg'dfg 5 . ljk]|if0f cfk|jfxsf] kl/df0f pNn]Vo /x]sf
sf/0f s'n /fli6o art cg'kft pRr b]lvPsf] xf] . ;dLIff jif{df s'n l:y/ k"FhL lgdf{0fsf] s'n
ufx{:Yo pTkfbg;Fusf] cg'kft ##=*) k|ltzt / s'n nufgLsf] s'n ufx{:Yo pTkfbg;Fusf]
cg'kft $@=%! k|ltzt /x]sf] cg'dfg 5 .
16. o;}u/L, v'b lgof{tsf] s'n ufx{:Yo pTkfbg;Fusf] cg'kft #@=@^ k|ltztn] C0ffTds /x]sf]
cg'dfg 5 . o:tf] cg'kft cl3Nnf] jif{ @(=*( k|ltztn] C0ffTds lyof]] . o;n] rfn' cfly{s
jif{sf] s'n ufx{:Yo pTkfbg j[l4df cfGtl/s dfusf] of]ubfg s]xL a9]sf] ;+s]t ub{5 .
17. cfly{s jif{ @)&#&$ df jflif{s cf};t d'b|f:kmLlt b/ &=% k|ltztsf] ;Ldfleq /fVg] nIo
lnOPsf] lyof] . rfn' cfly{s jif{sf] P3f/ dlxgfsf] cf};t pkef]Qmf d'b|f:kmLlt b/ $=^ k|ltzt
/x]sf] 5 . cl3Nnf] cfly{s jif{df cf};t pkef]Qmf d'b|f:kmLlt b/ (=( k|ltzt /x]sf] lyof] . jflif{s
ljGb'ut cfwf/df @)&$ h]7df pkef]Qmf d'b|f:kmLlt b/ @=* k|ltzt /x]sf] 5 . cfwf/ d"No k|efj
/ cfk"lt{ Joj:yfdf cfPsf] ;'wf/sf sf/0f ;dLIff cjlwdf pkef]Qmf d'b|f:kmLlt Go"g /x]sf] xf] .
df}lb|s gLlt @)&$&% 3
18. cfly{s jif{ @)&#&$ sf nflu g]kfn ;/sf/n] ;fj{hlgs u/]sf] ?= !)$( ca{sf] ah]6df
k'FhLut vr{ ?= #!@ ca{ / rfn' vr{ ?= ^!& ca{ /xg] cg'dfg ul/Psf]df @)&$ c;f/ !^
ut];Dddf gub k|jfxdf cfwfl/t k'FhLut vr{ #*=& k|ltzt / rfn' vr{ ^(=* k|ltzt ePsf]
5 . o; cjlwdf ;/sf/sf] /fh:j ;+sng ?= %$$ ca{ &^ s/f]8 cyf{t\ nlIft ?= %^% ca{ ()
s/f]8sf] (^=# k|ltzt k'u]sf] 5 . ;|f]t kl/rfngsf] t'ngfdf ;/sf/L vr{ Go"g ePsf]n] @)&$
c;f/ !^ ut] g]kfn ;/sf/sf] g]kfn /fi6 a}+sdf ?= @#( ca{ #) s/f]8 gub df}Hbft sfod
/x]sf] 5 .
19. cfly{s jif{ @)&#&$ df cfGtl/s C0f ?= ** ca{ #$ s/f]8 kl/rfng ePsf] Pjd\ ?= #* ca{
&* s/f]8 e'QmfgL eO{ v'b cfGtl/s C0f kl/rfng ?= $( ca{ %^ s/f]8 /x]sf] b]lvG5 . cfly{s
jif{ @)&#&$ sf] cGTo;Dd ;/sf/sf] s'n ltg{ afFsL cfGtl/s C0f ?= @*# ca{ &@ s/f]8
/xg] b]lvG5 .
20. cfly{s jif{ @)&#&$ sf] P3f/ dlxgf;Dddf ?= &$ ca{ @^ s/f]8n] zf]wgfGt/ artdf /x]sf]
5 . cl3Nnf] jif{sf] ;f]xL cjlwdf zf]wgfGt/ ?= !&! ca{ !% s/f]8n] artdf lyof] . cfoftsf]
pNn]Vo lj:tf/ / ljk|]if0f cfk|jfxsf] j[l4b/df lu/fj6 cfPsf sf/0f zf]wgfGt/ artdf sdL
cfPsf] xf] .
21. s'n ljb]zL ljlgdo ;l~rlt @)&# c;f/ d;fGtsf] ?= !)#( ca{ @! s/f]8af6 #=) k|ltztn]
j[l4 eO{ @)&$ h]7 d;fGtdf ?= !)&) ca{ @^ s/f]8 /x]sf]] 5 . cfly{s jif{ @)&#&$ sf]
df}lb|s gLltdf sDtLdf * dlxgfsf] j:t' tyf ;]jf cfoft wfGg] nIo /flvPsf]df rfn' cfly{s
jif{sf] P3f/ dlxgf;Ddsf] cfoftnfO{ cfwf/ dfGbf a}ls If]q;Fu /x]sf] ljb]zL ljlgdo ;l~rlt
!#=# dlxgfsf] j:t' cfoft / !!=% dlxgfsf] j:t' tyf ;]jf cfoft wfGg kof{Kt 5 .
22. @)&# c;f/ d;fGtsf] t'ngfdf @)&$ h]7 d;fGtdf g]kfnL k}ofF cd]l/sL 8n/;Fu #=(
k|ltztn] clwd"Nog ePsf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf g]kfnL ?k}ofF cd]l/sL 8n/;Fu %=%
k|ltztn] cjd"Nog ePsf] lyof] . @)&$ h]7 d;fGtdf cd]l/sL 8n/ Pssf] vl/b b/ ?=
!)@=&& k'u]sf] 5 . @)&# c;f/ d;fGtdf pQm b/ ?= !)^=&# /x]sf] lyof] .
df}lb|s tyf ljQLo l:yltsf] ;dLIff
df}lb|s l:ylt
23. cfly{s jif{ @)&#&$ sf] df}lb|s gLltdf lj:t[t d'b|fk|bfosf] jflif{s j[l4b/ !& k|ltzt x'g]
k|If]k0f /x]sf] lyof] . @)&$ h]7 dlxgfdf lj:t[t d'b|fk|bfosf] jflif{s ljGb'ut j[l4b/ !^=*
k|ltzt /x]sf] 5 .
24. rfn' cfly{s jif{df df}lb|s If]qaf6 k|jflxt x'g] s'n cfGtl/s shf{ @% k|ltztn] j[l4 x'g] k|If]k0f
/x]sf]] lyof] . jflif{s ljGb'ut cfwf/df @)&$ h]7 d;fGtdf o:tf] shf{sf] j[l4b/ @)=( k|ltzt
/x]]sf] 5 . ;/sf/sf] k"FhLut vr{ ck]lIft :t/df x'g g;s]sf]n] ;d]t s'n cfGtl/s shf{sf]
j[l4b/ nIoeGbf sd /x]sf] xf] .
25. lghL If]qtkm{ k|jfx x'g] shf{sf] j[l4b/ @) k|ltzt k|If]k0f ul/Psf]df @)&$ h]7df ;f]sf] jflif{s
ljGb'ut j[l4 @!=* k|ltzt /x]sf]] 5 . cl3Nnf] jif{ e"sDk / ;Ldf gfsf cj/f]w nufotsf sf/0f
;+s'rg ePsf] cy{tGqdf ;xhtf cfP;Fu} lghL If]qtkm{sf] shf{ k|jfx a9]sf] xf] . jflif{s ljGb''ut
cfwf/df @)&$ h]7df a}+s tyf ljQLo ;+:yfx?sf] lgIf]k !%=% k|ltztn] a9]sf] 5 .
4 g]kfn /fi6 a}+s
t/ntf Joj:yfkg tyf Aofhb/

26. a}+s tyf ljQLo ;+:yfx?sf] clgjfo{ gub cg'kft afx]ssf] clws t/ntfnfO{ ljut s]xL jif{b]lv
;+rfng nIosf] ?kdf lnO{ df}lb|s gLltsf] sfof{Gjog xF'b} cfPsf] 5 . o; qmddf o; a}+sn] v'nf
ahf/ sf/f]af/, clgjfo{ gub cg'kft, a}+s b/ / lgIf]k ;+sng af]nsaf]n h:tf df}lb|s
pks/0fx?sf] k|of]u ub}{ cfPsf] 5 . rfn' cfly{s jif{b]lv Aofhb/ sl/8f]/ k4lt ;d]t
sfof{Gjogdf NofOPsf] 5 .
27. @)&# ;fpgb]lv @)&$ c;f/ @@ ;Dddf v'nf ahf/ sf/f]af/sf ljleGg pks/0fx?, :yfoL
t/ntf ;'ljwf tyf ljb]zL ljlgdo vl/bdfkm{t\ s'n ?= %$^ ca{ @( s/f]8 t/ntf k|jfx ePsf]
5.
28. @)&# ;fpgb]lv @)&$ c;f/ @@ ;Dddf v'nf ahf/ sf/f]af/dfkm{t\ ?= ^! ca{ t/ntf k|jfx
ePsf] 5 . o; cGtu{t l/kf] af]nsaf]ndfkm{t\ s'n ?= ## ca{ @! s/f]8 / ;f]em} v/Lb
af]nsaf]ndfkm{t\ ?= @& ca{ &( s/f]8 t/ntf k|jfx ePsf] 5 . ;fy}, ;f] cjlwdf a}+s tyf
ljQLo ;+:yfx?n] ?= ^@ ca{ #( s/f]8sf] :yfoL t/ntf ;'ljwf pkof]u u/]sf 5g\ .
29. @)&# ;fpgb]lv @)&$ c;f/ @@ ;Dddf o; a}+sn] jfl0fHo a}+sxaf6 cd]l/sL 8n/ # ca{
(* s/f]8 v'b vl/b u/L ?= $@@ ca{ () s/f]8 v'b t/ntf k|jfx u/]sf] 5 . ut cfly{s jif{df
ljb]zL ljlgdo ahf/af6 cd]l/sL 8n/ $ ca{ $% s/f]8 v'b vl/b eO{ ?= $&! ca{ #% s/f]8
v'b t/ntf k|jfx ePsf]] lyof] .
30. @)&# ;fpgb]lv @)&$ c;f/ @@ ;Dddf v'nfahf/ sf/f]af/dfk{mt\ ?= !!% ca{ % s/f]8 t/ntf
k|zf]rg ul/Psf] 5 . ut cfly{s jif{df ljleGg pks/0fx?dfk{mt\ s'n ?= %(! ca{ ^# s/f]8
t/ntf k|zf]rg ul/Psf] lyof] .
31. @)&# ;fpgb]lv @)&$ c;f/ @@ ;Dddf cd]l/sL 8n/ $ ca{ @ s/f]8 / o"/f] !@ s/f]8 laqmL
u/L ?= $$! ca{ %& s/f]8 a/fa/sf] ef=?= vl/b ePsf] 5 . ut cfly{s jif{df cd]l/sL 8n/ #
ca{ $) s/f]8 / o"/f] @! s/f]8 laqmL u/L ?= #*% ca{ $^ s/f]8 a/fa/sf] ef=?= vl/b ePsf]
lyof] .
32. @)&# ;fpgb]lv @)&$ c;f/ @@ ;Dddf jfl0fHo a}+sxn] ?= !)%# ca{ ($ s/f]8 / cGo
ljQLo ;+:yfx -jfl0fHo a}+sxaLr afx]s_ n] ?= #&( ca{ !^ s/f]8sf] cGt/a}+s sf/f]af/
u/]sf 5g\ . ut cfly{s jif{df jfl0fHo a}+sx / cGo ljQLo ;+:yfxn] qmdzM ?= (^! ca{ &@
s/f]8 / ?= !@( ca{ ^ s/f]8sf] o:tf] sf/f]af/ u/]sf lyP .
33. ut jif{sf] t'ngfdf cNksfnLg Aofhb/x? a9]sf 5g\ . @)&$ h]7df (!lbg] 6]h/L ljnsf]
efl/t cf};t Aofhb/ !=)# k|ltzt /x]sf] 5 . @)&# h]7df o:tf] Aofhb/ )=!@ k|ltzt /x]sf]
lyof] . To;}u/L, jfl0fHo a}+sxaLrsf] cGt/a}+s sf/f]af/sf] efl/t cf};t Aofhb/ @)&# h]7sf]
)=#^ k|ltztsf] t'ngfdf @)&$ h]7df @=$^ k|ltzt /x]sf] 5 .
34. Rffn' cfly{s jif{ shf{ tyf lgIf]ksf] Aofhb/df j[l4 ePsf] 5 . Aofhb/df ePsf] ;'wf/n]
cy{tGqdf s'n ufx{:Yo art a9fpg / hf]lvdo'Qm If]qdf x'g] clgolGqt shf{ k|jfxnfO{
lg?T;fxg ug{ ;xof]u k'ofpg] b]lvG5 . @)&# h]7df jfl0fHo a}+sx?sf] lgIf]ksf] efl/t cf};t
Aofhb/ #=)( k|ltzt /x]sf]df @)&$ h]7df %=(! k|ltzt k'u]sf] 5 . To;}u/L, shf{sf] efl/t
cf};t Aofhb/ @)&# h]7sf] *=(* k|ltztsf] t'ngfdf @)&$ h]7df !!=@( k|ltzt k'u]sf] 5 .
35. shf{ tyf lgIf]ksf] efl/t cf};t Aofhb/ a9]tfklg Aofhb/ cGt/ 36]sf] 5 . jfl0fHo a}+sxsf]
shf{ tyf lgIf]kaLrsf] efl/t cf};t Aofhb/ cGt/ @)&# h]7sf] %=( k|ltztaf6 @)&$ h]7df
%=$ k|ltztdf em/]sf] 5 . lgIf]ksf] Aofhb/ a9]sf sf/0f jfl0fHo a}+sxsf] cf};t cfwf/b/ eg]
a9]sf] 5 . o:tf] cfwf/ b/ @)&# h]7sf] ^=# k|ltztaf6 @)&$ h]7df (=$ k|ltzt k'u]sf] 5 .
36. Aofhb/ j[l4 ePsf] kl/0ffd:j?k lgIf]ksf] ;+/rgfdf kl/jt{g cfPsf] 5 . @)&$ h]7df a}+s tyf
ljQLo ;+:yfxsf] s'n lgIf]kdf rlNtsf] c+z &=( k|ltzt, artsf] #%=* k|ltzt / d'2tLsf]
c+z $#=$ k|ltzt /x]sf] 5 . @)&# h]7df rlNtsf] c+z *=% k|ltzt, artsf] $#=* k|ltzt /
d'2tLsf] #)=@ k|ltzt /x]sf] lyof] .
ljQLo sfo{qmdx?sf] sfof{Gjog l:ylt
37. cfly{s jif{ @)&#&$ sf] dWolt/ a}+s tyf ljQLo ;+:yfx?sf] lgIf]k kl/rfng / shf{
k|jfxaLrsf] c;Gt'ng a9]sf] lyof] . of] cj:yfnfO{ ;Daf]wg ug{ ;dli6ut ljj]szLn pkfox?
cjnDjg ul/Psf] kmn:j?k ljQLo If]q :yfloTj sfod /x]sf] 5 .
38. ljQLo If]q;Fu ;DalGwt ljleGg P]gx?dWo] g]kfn /fi6 a}+s P]g, @)%* / a}+ls s;'/ tyf ;hfo
P]g, @)^$ Joj:yflksf ;+;baf6 ;+zf]wg ePsf 5g\ eg] a}+s tyf ljQLo ;+:yf ;DaGwL P]g,
@)^# vf/]h eO{ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# nfu" ePsf] 5 . o;sf cltl/Qm
lgIf]k tyf shf{ ;'/If0f sf]ifsf] :yfkgf / ;+rfng ;DaGwL P]g, @)&# hf/L ePsf] 5 . sd{rf/L
;+ro sf]if P]g, @)!( df ;+zf]wg ePsf] 5 . ;+zf]lwt P]gx?n] ;d:ofu|:t ;+:yfx?sf] km/kmf/s,
ljQLo If]qsf] ;'zf;g tyf ljQLo ;fwgsf] ;'/Iff Pjd\ k|efjsf/L kl/rfngdf ;xof]u k'ofpg]
ljZjf; lnOPsf] 5 .
39. df}lb|s gLltsf] ;fj{hlgsLs/0f / of]hgfa4 sfof{Gjog;Fu} lghL If]qtkm{ shf{ k|jfx lj:tf/ x'Fb}
uPsf] 5 . @)%( c;f/ #@ ut] klxnf] k6s cf}krfl/s ?kdf df}lb|s gLlt ;fj{hlgs ubf{sf
avt cfly{s jif{ @)%*%( sf] s'n ufx{:Yo pTkfbg;Fu lghL If]qtk{m nufgLdf /x]sf] shf{sf]
cg'kft @(=) k|ltzt /x]sf]df cfly{s jif{ @)&@&# df ;f] cg'kft &%=# k|ltzt k'u]sf] 5 .
ljut s]xL jif{otf o; a}+sn] s[lif, pmhf{, ko{6g nufotsf If]qdf shf{ k|jfx lj:tf/ ug{ rfn]sf]
gLltut sbdsf] kl/0ffd:j?k oL If]qdf pNn]Vo shf{ lj:tf/ ePsf] 5 .
40. s[lif, pmhf{, ko{6g / 3/]n' tyf ;fgf pBf]udf k|jflxt shf{ s'n shf{sf] Go"gtd @) k|ltzt
k'ofpg' kg]{ Joj:yf cGtu{t jfl0fHo a}+sx?n] @)&$ h]7 d;fGt;Dd !&=% k|ltzt shf{ oL
If]qx?df nufgL u/]sf 5g\ . @)&# h]7 d;fGtdf jfl0fHo a}+sx?n] pQm If]qdf !^=* k|ltzt
shf{ k|jfx u/]sf lyP .
41. o'jfx?nfO{ Joj;flos s[lif shf{df k|bfg ul/g] Aofh cg'bfg ;DaGwL sfo{ljlw, @)&! vf/]h
u/L Joj;flos s[lif tyf kz'k+IfL shf{df k|bfg ul/g] Aofh cg'bfg ;DaGwL sfo{ljlw, @)&#
g]kfn ;/sf/, dlGqkl/ifb\af6 :jLs[t eO{ sfof{Gjogdf NofOPsf] 5 . gofF sfo{ljlw adf]lhd
Aofh cg'bfg b/nfO{ $ k|ltztaf6 j[l4 u/L % k|ltzt sfod ul/Psf] 5 . ;fy}, gofF sfo{ljlwn]
s[lif tyf kz'k+IfL Joj;fo ug{ ?= & s/f]8;Dd shf{ lbg ;Sg] Joj:yf u/]sf] 5 . @)&# r}t
d;fGt;Dddf %!$$ hgfn] o:tf] shf{sf] pkof]u u/]sf 5g\ . o; cGtu{t ?= % ca{ (& s/f]8
%^ nfv shf{ aSof}tf /x]sf] 5 eg] ?= !& s/f]8 &) nfv Aofh cg'bfg k|bfg ul/Psf] 5 .
42. @)&$ h]7 d;fGt;Dddf ;fwf/0f k'g/shf{ ?= !# ca{ %# s/f]8 !# nfv / lgof{t k'g/shf{ ?=
*@ s/f]8 *^ nfv u/L s'n ?= !$ ca{ #% s/f]8 (( nfv k'g/shf{ pkof]u ePsf] 5 .
To;}u/L, e"sDk kLl8txnfO{ a9Ldf @ k|ltzt;Ddsf] Aofhdf cfjf;Lo 3/ lgdf{0f shf{ k|bfg
ug{ o; a}+saf6 a}+s tyf ljQLo ;+:yfx?nfO{ z"Go Aofhb/df pknAw u/fOFb} cfPsf] k'g/shf{
xfn;Dd ?= *! s/f]8 ^% nfv :jLs[t eO;s]sf] 5 . o;af6 #*@ hgf nfeflGjt x'g] ePsf
5g\ .
6 g]kfn /fi6 a}+s
43. @)&# r}t d;fGt;Dd jfl0fHo a}+sx?n] s'n shf{sf] %=* k|ltzt, ljsf; a}+sx?n] ^=* k|ltzt
tyf ljQ sDkgLx?n] $=^ k|ltzt shf{ ljkGg ju{df k|jfx u/]sf 5g\ . ;du|df a}+s tyf ljQLo
;+:yfx?sf] nufgLdf /x]sf] shf{sf] %=( k|ltzt cyf{t\ ?= !)# ca{ @ s/f]8 ljkGg ju{df k|jfx
ePsf] 5 .
44. o; a}+sn] a}+s tyf ljQLo ;+:yf ufEg]ufleg] tyf k|flKt ;DaGwL k|lqmof z'? u/fPkZrft\
@)&$ c;f/ @) ut];Dd s'n !%% j6f a}+s tyf ljQLo ;+:yfx dh{/k|flKt k|lqmofdf ;fd]n
ePsf 5g\ . o;dWo] !!@ j6f ;+:yfx?sf] Ohfht vf/]h x'g uO{ s'n $# ;+:yf sfod ePsf
5g\ .
45. @)&$ c;f/ @@ ut];Dd s ju{sf jfl0fHo a}+sx? @*, v ju{sf ljsf; a}+sx? $$, u
ju{sf ljQ sDkgLx? #) / 3 ju{sf n3'ljQ ;+:yfx? %! u/L a}+s tyf ljQLo ;+:yfx?sf] s'n
;+Vof !%# sfod ePsf] 5 .
46. @)&$ h]7 d;fGtdf jfl0fHo a}+sx?sf] zfvf ;+Vof @!!^, ljsf; a}+sx?sf] *)%, ljQ
sDkgLx?sf] !$* / n3'ljQ ;+:yfx?sf] !*@% u/L s'n zfvf ;+Vof $*($ k'u]sf] 5 . @)&$
h]7df a}+s tyf ljQLo ;+:yfsf] k|lt zfvfaf6 cf};tdf sl/j %*)( hg;+Vofn] ;]jf k|fKt ug{
;Sg] b]lvG5 . @)&# h]7df o:tf] ;+Vof ^^$& /x]sf] lyof] .
47. @)&# r}t d;fGt;Dddf lgIf]k vftf ;+Vof ! s/f]8 ** Nffv tyf shf{ ;+Vof !! nfv *#
xhf/ k'u]sf] 5 . P6LPd ;+Vof @)$& /x]sf] 5 . To;}u/L, df]afOn a}lssf u|fxsx?sf] ;+Vof @$
nfv @& xhf/, OG6/g]6 a}lssf u|fxsx?sf] ;+Vof & nfv #% xhf/, hf/L ePsf 8]la6 sf8{sf]
;+Vof %! nfv * xhf/ tyf qm]l86 sf8{sf] ;+Vof ^$ xhf/ /x]sf] 5 .
48. ?= @ nfv;Ddsf] a}+s lgIf]knfO{ ;'/If0f ug]{ Joj:yf cg'?k @)&$ h]7 d;fGt;Dddf !!% a}+s
tyf ljQLo ;+:yfx?sf] hDdf ?= #*! ca{ (! s/f]8 lgIf]ksf] ;'/If0f ul/Psf] 5 . shf{ ;'/If0f
Joj:yf cGtu{t ;fgf tyf ljkGg If]q ;'/If0f sfo{qmdtkm{ ?= % ca{ %% s/f]8 Pjd\ ;fgf tyf
demf}nf Joj;fo sfo{qmdtkm{ ?= %* s/f]8 u/L hDdf ?= ^ ca{ !# s/f]8 shf{ ;'/If0f ePsf]
5.
49. ;d:ofu|:t 3f]if0ff ul/Psf !^ j6f a}+s tyf ljQLo ;+:yfx?dWo] & j6fsf] l/hf]n';g k|lqmof
;DkGg ePsf] 5 . h;dWo] @ j6f ;+:yf hg/n kmfOgfG; ln= / c?0f kmfOgfG; ln=
;d:ofu|:taf6 x6L ;fdfGo ?kdf ;+rfngdf cfO;s]sf 5g\ . xfn sfod /x]sf ( j6f
;d:ofu|:t ;+:yfx?dWo] ^ j6fsf] z]o/ :jfldTj x:tfGt/0fsf] k|lqmofdf /x]sf] 5 . csf]{ Pp6fsf]
z]o/ :jfldTj x:tfGt/0fsf] nflu 5nkmn eO/x]sf] 5 . afFsL @ j6f ;+:yfsf] eg] d'2f cbfntdf
ljrf/fwLg 5 .
50. @)&# c;f/df jfl0fHo a}+sx?sf] cf};t lgiqmLo shf{ cg'kft !=* k|ltzt /x]sf]df @)&# r}tdf
!=& k|ltztdf em/]sf] 5 . To;}u/L, pTkfbgzLn nufotsf If]qdf k|jfx ePsf] shf{sf] %)
k|ltzt;Dd shf{k|fylds k'FhLlgIf]k cg'kft u0fgf ubf{ 36fpg kfpg] Joj:yfkZrft\ jfl0fHo
a}+sx?sf] shf{k|fylds k'FhLlgIf]k cg'kft @)&$ h]7df &)=(^ k|ltzt sfod ePsf] 5 . o:tf]
;'ljwfnfO{ ;dfj]z gubf{ eg] shf{k|fylds k'FhLlgIf]k cg'kft &&=$^ k|ltzt x'g cfpF5 .
51. a}+s tyf ljQLo ;+:yfx?sf] r'Qmf k'FhL @)&@ c;f/ d;fGtsf] ?= !$) ca{ &( s/f]8af6 @)&$
h]7df ?= @)( ca{ *) s/f]8 k'u]sf] 5 . cfly{s jif{ @)&@&# sf] df}lb|s gLltn] a}+s tyf
ljQLo ;+:yfx?sf] r'Qmf k'FhL j[l4 ug'{kg]{ Joj:yf u/]kZrft\ oL ;+:yfx?n] dh{/PlSjlhzg,
af]g;, xsk|b Pjd\ yk z]o/ nufotsf dfWodaf6 k'FhL j[l4 ug]{ sfo{ cufl8 a9fPsf 5g\ .
cfly{s jif{ @)&$&% sf] df}lb|s gLltsf] :j?k

df}lb|s gLltsf] sfo{lbzf
52. cfGtl/s tyf jfXo cfly{s kl/b[Zo, rf}wf+} of]hgf, g]kfn /fi6 a}+ssf] /0fgLlts of]hgf, ljQLo
If]q ljsf; /0fgLlt tyf g]kfn ;/sf/sf] ah]6df plNnlvt gLlt, sfo{qmd tyf k|fyldstf;Fu
tfbfTDo sfod ub}{ cfly{s jif{ @)&$&% sf] df}lb|s gLltsf] sfo{lbzf to ul/Psf] 5 .
53. nlIft cfly{s j[l4b/ xfl;n ug{ ah]6sf gLlt tyf sfo{qmdx?sf] sfof{Gjogdf ;xof]u k'Ug] u/L
df}lb|s gLltsf] sfo{lbzf to ul/Psf] 5 . cfly{s ultljlwdf x'g] lj:tf/;Fu} a9\g] ;dli6ut
dfun] d'b|f:kmLltdf kg{;Sg] bjfjnfO{ lgoGq0f ug{ df}lb|s of]ufx?nfO{ jfl~5t ;Ldfleq
/fVg]tk{m df}lb|s gLlt ;hu /x]sf] 5 .
54. a9\bf] Jofkf/ 3f6f tyf 36\bf] ljk|]if0f cfk|jfx j[l4b/sf sf/0f jfXo If]q :yfloTjdf kg{ ;Sg]
k|lts"n k|efjnfO{ ;d]t Wofgdf /fvL df}lb|s gLltsf] sfo{lbzf to ul/Psf] 5 .
55. ljQLo :yfloTj k|j4{g tyf ljQLo ;fwgsf] s'zn afF8kmfF8sf nflu Aofhb/nfO{ pko'Qm :t/df
sfod /fVg] / Aofhb/df cfpg] ptf/r9fj Go"gLs/0f ug{]tk{m df}lb|s gLlt s]lGb|t /x]sf] 5 .
56. km/flsnf] x'Fb} uPsf] Jofkf/ 3f6f Go"gLs/0f ug{ k|fyldstf k|fKt If]qdf nufgL a9fpFb} n}hfg'kg]{
cfjZostf /x]sf] 5 . o;sf nflu s[lif, phf{, ko{6g, ;fgf, demf}nf tyf cGo pTkfbgd"ns
pBf]u Joj;fodf shf{ k|jfx a9fpg a}+s tyf ljQLo ;+:yfx?nfO{ k|f]T;fxg ug{] sfo{nfO{ df}lb|s
gLltn] pRr k|fyldstfdf /fv]sf] 5 .
57. ljQLo If]qsf] ;'b[9Ls/0f Pjd\ :yfloTjsf nflu ljQLo ;fwg kl/rfngdf cfjZos ;Gt'ng
sfod ug'{kg]{ cfjZostf b]lvPsf] 5 . o;sf nflu cy{tGqsf] bLuf] ljsf;df of]ubfg k'ofpg]
If]qx?nfO{ k|f]T;flxt ub}{ l/on :6]6 tyf z]o/ sf/f]af/df x'g] ;]afhL k|j[lQnfO{ lgoGq0f ug{
df}lb|s gLlt s]lGb|t /x]sf] 5 .
58. /fHosf] k'g;{+/rgf;Fu} :yfgLo :t/df ljQLo ;]jfsf] kx'Fr lj:tf/ ug'{kg]{ cfjZostf b]lvPsf]
;Gbe{df ;a} :yfgLo txdf a}+s zfvf lj:tf/ ug]{ sfo{nfO{ pRr k|fyldstfdf /flvPsf] 5 .
cfly{s tyf df}lb|s nIo
59. d"No l:y/tf df}lb|s gLltsf] k|fylds nIosf] ?kdf /xFb} cfPsf] 5 . cfly{s jif{ @)&$&% df
d'b|f:kmLltnfO{ & k|ltzt leq ;Lldt /fVg] df}lb|s gLltsf] nIo /x]sf] 5 . ;dli6ut dfusf
sf/0f d'b|f:kmLltdf cgfjZos rfk kg{ glbg df}lb|s Joj:yfkg ul/g]5 .
60. cfly{s jif{ @)&$&% df jfXo If]q :yfloTjsf nflu sDtLdf * dlxgfsf] j:t' tyf ;]jfsf]
cfoft wfGg kof{Kt x'g] ljb]zL ljlgdo ;l~rlt sfod ug]{tk{m df}lb|s Joj:yfkg s]lGb|t
ul/g]5 .
61. cfly{s jif{ @)&$&% sf nflu to ul/Psf] &=@ k|ltztsf] cfly{s j[l4b/nfO{ ;xof]u k'ofpg]
u/L cfjZos t/ntf Joj:yfkg ul/g]5 .
62. ef/tLo d'b|f;Fusf] l:y/ ljlgdob/nfO{ df}lb|s c+s'zsf] ?kdf oyfjt /fvL ;f]sf] Joj:yfkgsf
nflu df}lb|s tyf shf{ of]ufx?nfO{ jfl~5t :t/df /flvg]5 .
63. df}lb|s k|If]k0fsf nflu o; a}+sn] k|rlnt d"Nosf] s'n ufx{:Yo pTkfbg (Nominal GDP) nfO{
cfwf/sf ?kdf ln+b} cfPsf] 5 . cfly{s jif{ @)&$&% sf] nflu lj:t[t d'b|fk|bfo j[l4b/ !*
8 g]kfn /fi6 a}+s
k|ltztsf] ;Ldfleq sfod ug]{ nIo lnOPsf] 5 . nlIft cfly{s j[l4b/, d'b|f:kmLlt / d'b|fsf] cfo
nf]rgzLntf nlIft lj:t[t d'b|fk|bfo j[l4b/ ;Ldfsf cfwf/x? x'g\ .
64. k|If]lkt cfly{s j[l4b/ tyf d'b|f:kmLlt b/sf] cfwf/df ;[hgf x'g ;Sg] ;du| dfusf] cj:yfnfO{
b[li6ut ubf{ cfly{s jif{ @)&$&% df s'n cfGtl/s shf{ @&=* k|ltztn] j[l4 x'g] k|If]k0f
/x]sf] 5 . g]kfn ;/sf/sf] ah]6;Fu tfbfTDo x'g] u/L cfGtl/s shf{ j[l4sf] nIo lgwf{/0f
ul/Psf] 5 .
65. cfGtl/s shf{sf] dxTjk"0f{ ;Defusf] ?kdf /x]sf] lghL If]qtk{msf] shf{ lj:tf/sf] ;Ldf @)
k|ltzt /flvPsf] 5 .
df}lb|s gLltsf] ;~rfng nIo tyf pks/0f
66. cfGtl/s tyf jfXo cfly{s Pjd\ ljQLo kl/b[Zosf cfwf/df to ul/Psf] sfo{lbzf / ;f]
cg'?ksf] cfly{s tyf df}lb|s nIo xfl;n ug{ ;xh x'g] u/L df}lb|s gLltsf ;~rfng nIo tyf
pks/0fx? rog ul/Psf 5g\ .
67. df}lb|s gLlt ;~rfngsf sfpG6/ kf6L{x? jfl0fHo a}+s, ljsf; a}+s / ljQ sDkgLx?n] o; a}+sdf
/fVg'kg]{ clgjfo{ gub cg'kft afx]ssf] clws t/ntfnfO{ df}lb|s gLltsf] ;~rfng nIosf] ?kdf
lng] Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 .
68. cfly{s jif{ @)&#&$ b]lv sfof{Gjogdf NofOPsf] Aofhb/ sl/8f]/ k4ltnfO{ ;do;fk]If
kl/dfh{g ul/Psf] 5 .
69. :yfoL t/ntf ;'ljwf b/nfO{ Aofhb/ sl/8f]/sf] dflyNnf] ;Ldfsf] ?kdf lnOg] k4ltnfO{ oyfjt
sfod ul/Psf] 5 . xfn sfod /x]sf] &=) k|ltztsf] :yfoL t/ntf ;'ljwf b/nfO{ oyfjt
/flvPsf] 5 .
70. Aofhb/ sl/8f]/ cGtu{t b'O{ xKtf cjlwsf] l/kf] b/nfO{ gLltut b/sf] ?kdf lnOg] Joj:yfnfO{
oyfjt sfod ul/Psf] 5 . b'O{xKt] gLltut l/kf]b/ %=) k|ltzt sfod ul/Psf] 5 .
71. Aofhb/ sl/8f]/ cGtu{tsf] b'O{xKt] lgIf]k ;+sng b/nfO{ tNnf] ;Ldfsf] ?kdf lnOg] Joj:yfnfO{
oyfjt sfod ul/Psf] 5 . b'O{xKt] lgIf]k ;+sng b/nfO{ #=) k|ltzt sfod ul/Psf] 5 . of]
gLltut Joj:yfn] ahf/ Aofhb/df b]lvPsf] ptf/ r9fjnfO{ Go"gLs/0f ug{ of]ubfg k'ofpg]
ljZjf; ul/Psf] 5 .
72. t/ntf cg'udg tyf k|If]k0f ;+/rgf (LMFF) n] O+lut ug]{ t/ntfsf] cfwf/df Aofhb/
sl/8f]/dfkm{t\ t/ntf k|jfx tyf k|zf]rg ug]{ k4ltnfO{ oyfjt sfod ul/Psf] 5 . o;sf ;fy}
df}lb|s gLltsf p2]Zo tyf ljQLo ahf/sf] cj:yf ;d]t x]/]/ Aofhb/ sl/8f]/ cGtu{t t/ntf
k|jfx tyf k|zf]rgsf] sfo{ ul/g]5 .
73. t/ntfsf] k|s[ltsf cfwf/df lgoldt, cfsl:ds Pjd\ ;+/rgfTds v'nfahf/ sf/f]af/sf
pks/0fx? ;fljss} Joj:yf adf]lhd k|of]udf NofOg] 5 . o;sf nflu g]kfn /fi6 a}+s C0fkq,
() lbg] lgIf]k ;+sng af]nsaf]n tyf lwtf]df cfwfl/t ;f]e}m vl/blaqmL af]nsaf]n, l/kf]l/e;{
l/kf] af]nsaf]n h:tf pks/0fx? cfjZostfg';f/ k|of]u u/L t/ntf Joj:yfkg ul/g]5 .
74. clgjfo{ gub cg'kft jfl0fHo a}+sx?sf nflu ^ k|ltzt, ljsf; a}+sx?sf nflu % k|ltzt / ljQ
sDkgLx?sf nflu $ k|ltztnfO{ oyfjt /flvPsf] 5 .
75. clgjfo{ gub df}Hbft u0fgfsf] nflu b'O{ xKtfsf] ;dofjlw tyf &) k|ltztsf] b}lgs df}Hbft
sfod ug'{kg]{ Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 .
76. clGtd C0fbftf ;'ljwf tyf ;'/If0fkqx?sf] l8isfp06 ug]{ k|of]hgsf] nflu k|of]udf NofOg] &
k|ltztsf] ljBdfg a}+sb/nfO{ oyfjt sfod ul/Psf] 5 .
77. a}+s tyf ljQLo ;+:yfx?nfO{ tf]lsPsf ;'/If0fkqsf] lwtf]df :yfoL t/ntf ;'ljwf k|bfg ubf{
xfnsf] % sfo{lbgsf] ;LdfnfO{ & sfo{lbg sfod ul/Psf] 5 . o; ;'ljwfsf] nflu C0flwtf] d"No
cg'kft () k|ltzt;Dd sfod ul/Psf] 5 . ;fy}, :yfoL t/ntf ;'ljwf a}+sb/df pknAw u/fpg]
ljBdfg Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 .
78. jfl0fHo a}+sx?n] sfod ug'{kg]{ j}wflgs t/ntf cg'kft !@ k|ltzt, ljsf; a}+sx?n] ( k|ltzt
ljQ sDkgLx?n] * k|ltzt tyf rNtL / sn lgIf]k ;+sng gug]{ ljsf; a}+s tyf ljQ
sDkgLx?n] ^ k|ltztnfO{ oyfjt /flvPsf] 5 .
79. o; a}+sn] tf]lsPsf If]qdf a}+s tyf ljQLo ;+:yfx?nfO{ k|bfg ug]{ ;fwf/0f k'g/shf{ b/nfO{ $
k|ltztdf / ljz]if k'g/shf{ b/nfO{ ! k|ltztdf oyfjt sfod ul/Psf] 5 . o; Joj:yf cGtu{t
a}+s tyf ljQLo ;+:yfx?n] ;DalGwt C0fL;Fu ;fwf/0f k'g/shf{df ( k|ltzt / ljz]if k'g/shf{df
$=% k|ltzt eGbf a9L Aofh lng kfpg] 5}gg\ .
80. ?U0f pBf]u, 3/]n' tyf ;fgf pBf]u, j}b]lzs /f]huf/L, blnt, hghflt, pTkLl8t, dlxnf, km/s
9+un] ;Ifd JolQm, ljkGg ju{ tyf ;d'bfosf JolQmf/f ;~rflnt ;fgf Joj;fonfO{ k|j{g ug{
/ lgof{tnfO{ k|f]T;fxg ug{ ! k|ltzt Aofhb/df k|bfg ub}{ cfPsf] ljz]if k'g/shf{ tyf ljb]zL
d'b|fdf lgof{t k|f]T;flxt ug{ nfOaf]/ (LIBOR) df )=@% ljGb' yk u/L x'g] Aofhb/df lbOg]
lgof{t k'g/shf{ b/nfO{ klg oyfjt /flvPsf] 5 .
81. ul/aLsf] uxgtf t'ngfTds ?kdf a9L ePsf k|b]z g+= @ sf k;f{, af/f, /f}tx6, ;nf{xL, dxf]Q/L,
wg'iff, l;/fxf / ;Kt/Lsf blIf0fL ;LdfjtL{ If]qx? Pjd\ pRr ul/aL /x]sf k|b]z g+= ^ sf
sflnsf]6, x'Dnf, h'Dnf / d'u' tyf k|b]z g+= & sf afh'/f, aemf, bfr'{nf, 8f]6L, c5fd / a}t8L
lhNnfx?df s[lif tyf ;fgf Joj;fodf cfwfl/t cfod"ns lqmofsnfknfO{ k|f]T;flxt ug{ a}+s tyf
ljQLo ;+:yfx?nfO{ o; a}+saf6 ! k|ltzt Aofhb/df ljz]if k'g/shf{ ;'ljwf pknAw u/fpg]
Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 .
82. xfn o; a}+sn] ?= !) ca{ *$ s/f]8sf] ;Ldfleq /xL k'g/shf{ ;'ljwf k|bfg ub}{ cfPsf] 5 .
cfly{s k'g?4f/ sf]ifdf /x]sf] ?= % ca{ hnljB't nufotsf /0fgLlts dxTjsf k|fyldstf k|fKt
If]qdf k'g/shf{ pknAw u/fpg pkof]u ug{ ;lsg] Joj:yf x'g uO/x]sf] ;Gbe{df cfly{s jif{
@)&#&$ sf] o; a}+ssf] d'gfkmfaf6 ;d]t /sd 5'ofO{ sl/a ?= @) ca{sf] k'g/shf{ sf]if
:yfkgf ul/g]5 . o; Joj:yfaf6 hnljB't nufotsf /0fgLlts dxTjsf If]qdf ;x'lnotk"0f{ a}+s
shf{ k|jfx ug{ ;xof]u k'Ug] ljZjf; ul/Psf] 5 .
83. hnljB't, s[lif, ko{6g, lgof{t, ;fgf Pjd\ demf}nf pBf]u, cf}ifwL pTkfbg, l;d]G6, ufd]{G6
nufotsf If]qx?nfO{ k|fyldstf k|fKt If]qsf] ?kdf kl/eflift ul/g]5 .
84. jfl0fHo a}+sx?n] s[lif If]qdf !) k|ltzt, hnljB'tdf % k|ltzt, ko{6g If]qdf % k|ltzt / afFsL
cGo k|fyldstf k|fKt If]qdf u/L cfgf] s'n shf{sf] Go"gtd @% k|ltzt shf{ @)&%
c;f/;Dddf clgjfo{ ?kdf k|jfx ug'{kg]{ Joj:yf ul/g]5 . ljsf; a}+s / ljQ sDkgLx?n] ;d]t
k|fyldstf k|fKt If]qdf cfgf] s'n shf{sf] Go"gtd qmdzM !% k|ltzt / !) k|ltzt shf{ k|jfx
ug'{kg]{ Joj:yf oyfjt sfod ul/Psf] 5 .
85. jfl0fHo a}+sx?n] cfgf] s'n shf{ nufgLsf] % k|ltzt, ljsf; a}+sx?n] $=% k|ltzt / ljQ
sDkgLx?n] $ k|ltzt shf{ ljkGg ju{df nufgL ug'{kg]{ Joj:yfnfO{ oyfjt /flvPsf]] 5 . ;fy},
10 g]kfn /fi6 a}+s
jfl0fHo a}+sx?n] ljkGg ju{ cGtu{t k|ToIf ?kdf k|jfx ug'{kg]{ Go"gtd @ k|ltztsf] shf{ cg'kft
clgjfo{ gx'g] Joj:yf ul/Psf] 5 .
86. s, v / u ju{sf a}+s tyf ljQLo ;+:yfx?af6 l/S;f rfnsx?nfO{ cfgf] :jfldTjdf
l/S;f vl/b u/L cfkm} ;~rfng ug]{ k|of]hgsf nflu k|bfg x'Fb} cfPsf] ljkGg ju{ shf{ ;'ljwf
On]S6f]lgs l/S;f vl/bdf ;d]t k|bfg ul/g] Joj:yf ldnfOg] 5 .
87. ;fgf tyf demf}nf pBf]u / Jofj;flos s[lif kl/of]hgfsf] lwtf]df a}+s tyf ljQLo ;+:yfx?af6
k|jfx ul/g] ?= !) nfv;Ddsf] kl/of]hgf shf{nfO{ ljkGg ju{ shf{df u0fgf ug]{ Joj:yfnfO{
lg/Gt/tf lbOPsf] 5 .
cfly{s jif{ @)&$&% sf] ljQLo If]q sfo{qmd
ljQLo If]q ;'wf/
88. g]kfn ;/sf/af6 @)&# k'; @@ df :jLs[t ljQLo If]q ljsf; /0fgLlt df pNn]v ePsf o;
a}+s;Fu ;DalGwt sfo{qmdx? qmdzM sfof{Gjog ul/g] 5g\ .
89. a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# df ePsf] Joj:yf adf]lhd k"jf{wf/ ljsf; a}+s
:yfkgfsf nflu cfjZos Ohfht gLlt, lgodg / ;'kl/j]If0f ;DaGwL gLltut Joj:yf u/L ;f]
a}+s :yfkgfsf nflu ;xhLs/0f ul/g]5 .
90. ljleGg ;+ul7t ;+:yfx?df /x]sf] o; a}+ssf] z]o/ nufgL qmdzM ljlgj]z (Divestment) ub}{
nlug]5 .
91. ;+3Lotf sfof{Gjogsf] ;Gbe{df csf]{ Joj:yf geP;Ddsf nflu o; a}+ssf] lj/f6gu/ sfof{non]
k|b]z g+= !, hgsk'/ tyf jL/u+h sfof{non] ;fljssf] Joj:yf cg';f/sf k|b]z g+= @ sf
lhNnfx?, s]Gb|Lo sfof{non] k|b]z g+= #, kf]v/f sfof{non] k|b]z g+= $, l;4fy{gu/ sfof{non]
;fljs adf]lhdsf k|b]z g+= % sf lhNnfx?, g]kfnu+h sfof{non] ;fljssf] Joj:yf cg';f/ k|b]z
g+= % sf lhNnfx? Pjd\ k|b]z g+= ^ / wgu9L sfof{non] k|b]z g+= & sf] s]Gb|Lo a}+ls ;DaGwL
sfo{ x]g]{ Joj:yf ldnfOg] 5 .
92. ;a} :yfgLo txdf g]kfnL d'b|fsf] ;xh cfk"lt{sf nflu o; a}+ssf sfof{nox?n] ;DalGwt k|b]zdf
gf]6sf]ifsf] plrt Joj:yfkg ug'{kg]{ k|aGw ldnfOg] 5 .
;dli6ut ljj]szLn lgodg
93. a}+s tyf ljQLo ;+:yfx?aLrsf lqmofsnfksf] cGt/;DaGw, o:tf lqmofsnfkaf6 cy{tGqdf
pTkGg x'g ;Sg] hf]lvd tyf ljQLo If]qsf] :jrqmLo Jojxf/ (Procyclical Behavior) nfO{
lgoGq0f ug{ o; a}+sn] ;dli6ut ljj]szLn lgodg ub}{ cfPsf] 5 .
94. jfl0fHo a}+sx?n] af;]n# df cfwfl/t Go"gtd sdg OlSjl6 l6o/ ! k'hF L cg'kft $=% k|ltzt
sfof{Gjogdf Nofpg' kg]{ Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 .
95. s'n hf]lvd efl/t ;DklQsf] @=% k|ltzt Soflk6n sGh/e];g akm/ (Capital Conservation
Buffer) sfod ug'{kg]{ Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 .
96. cy{tGqsf] rqmLo k|efjsf] sf/0f ljQLo If]qdf kg{ ;Sg] c;/nfO{ Go"gLs/0f ug{sf nflu s'n
hf]lvd efl/t ;DklQsf] clwstd @=% k|ltzt;Dd cltl/Qm k|ltrqmLo akm/ (Counter Cyclical
Buffer) sfod ug'{kg]{ Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 .
97. /fli6o :t/sf ljsf; a}+s / ljQ sDkgLx?df ;d]t r/0fj4 ?kdf af;]n# nfu" ug]{ Joj:yf
ldnfOg] 5 .
98. cfly{s jif{ @)&#&$ sf] df}lb|s gLltsf] c4{jflif{s ;dLIffdfkm{t\ shf{k|fylds k'FhLlgIf]k
cg'kft u0fgf ubf{ tf]lsPsf If]qdf k|jfx ePsf] shf{sf] %) k|ltzt 36fpg kfpg] ;'ljwfnfO{
x6fOPsf] 5 . t/, shf{k|fylds k'FhLlgIf]k cg'kft gf3]sf a}s tyf ljQLo ;+:yfx?n] @)&$
c;f]h d;fGt;Dddf tf]lsPsf] shf{k|fylds k'FhLlgIf]k cg'kftsf] ;Ldfleq NofO;Sg' kg]{5 .
99. jfl0fHo a}+sx?n] q}dfl;s ?kdf $ k|ltzt lne/]h cg'kft sfod ug'{kg]{ Joj:yfnfO{ lg/Gt/tf
lbOPsf] 5 .
100. jfl0fHo a}+sx?sf] nflu af;]n# df cfwfl/t t/ntf cg'udg k4lt t/ntfsf cfwf/df ;d]t
zL3| ;'wf/fTds sf/afxL (Prompt Corrective Action) nfu" ul/g]5 .
101. jfl0fHo a}+sx?n] s'n lgIf]kdf ;+:yfut lgIf]ksf] c+z ;fljssf] %) k|ltztaf6 @)&% c;f/;Dd
$% k|ltztsf] ;Ldfleq sfod ug'{kg]{ Joj:yf ul/Psf] 5 . ;fy}, a}+s tyf ljQLo ;+:yfx?n]
cfgf] s'n lgIf]k bfloTjsf] a9Ldf Ps rf}yfO{;Dd ;fk6L lng;Sg] Joj:yfnfO{ lg/Gt/tf
lbOPsf]] 5 .
102. 3/hUuf If]qdf k|jfx x'g] shf{ hf]lvdnfO{ Go"gLs/0f ug{] pkfosf] ?kdf nfu" ul/Psf] s'n
shf{sf] @% k|ltzt;Ddsf] l/on :6]6 shf{ ;Ldf cg'kftnfO{ lg/Gt/tf lbOPsf] 5 .
103. Pp6} u|fxs, kmd{, sDkgL;d"xnfO{ sf]if tyf u}/sf]ifdf cfwfl/t ;'ljwfx? cfgf] k|fylds
k'FhLsf] a9Ldf @% k|ltzt;Dd shf{ k|jfx ug]{ Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 .
104. pTkfbgd"ns pBf]ux?df k|jfx x'g] shf{sf] Psn u|fxs shf{ ;Ldf k|fylds k'FhLsf] a9Ldf #)
k|ltzt / hnljB't kl/of]hgf, ljB't k|;f/0f nfOg / s]a'nsf/ lgdf{0f kl/of]hgfx?sf] xsdf
o:tf] ;Ldf k|fylds k'FhLsf] a9Ldf %) k|ltzt;Dd x'g;Sg] Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 .
105. z]o/sf] lwtf]df k|jfx x'g] dflh{g k|s[ltsf] shf{sf] ;'/If0f afkt\ z]o/sf] d"Nofg ubf{ kl5Nnf]
!*) lbgsf] clGtd d"Nosf] cf};t d"No jf z]o/sf] k|rlnt ahf/ d"NodWo] h'g sd x'G5 ;f]sf]
a9Ldf %) k|ltzt /sd;Dddfq shf{ k|jfx ug'{kg]{ Joj:yfnfO{ oyfjt sfod ul/Psf] 5 .
106. a}+s tyf ljQLo ;+:yfx?n] z]o/sf] lwtf]df hfg] dflh{g k|s[ltsf] shf{ a9Ldf cfgf] k|fylds
k'hF L a/fa/sf] /sd;Dd dfq k|jfx ug{ kfpg] Joj:yf /x]sf]df ;f] ;LdfnfO{ kl/dfh{g u/L
k|fylds k'FhLsf] $) k|ltzt /sd;Dd dfq k|jfx ug{ kfpg] Joj:yf ul/g]5 . ;fy}, Pp6}
;"rLs[t sDkgLsf] z]o/sf] lwtf]df dflh{g k|s[ltsf] shf{ cfgf] k|fylds k'h F Lsf] a9Ldf !)
k|ltzt;Dd dfq k|jfx ug{ ;Sg] Joj:yf ul/g]5 .
107. a}+s tyf ljQLo ;+:yfsf] ! k|ltzteGbf a9L ;+:yfks z]o/ wf/0f u/]sf ;+:yfks z]o/wgLx?n]
cfk"mn] wf/0f u/]sf] ;+:yfks z]o/dWo] %) k|ltzteGbf a9L z]o/ lwtf] /fvL shf{ lng gkfpg]
Joj:yfnfO{ oyfjt sfod /flvPsf] 5 .
108. z]o/sf] lwtf]df shf{ k|jfx ug]{ k|of]hgsf] nflu ;+:yfks z]o/sf] d"Nofg ubf{ ;fwf/0f z]o/sf]
kl5Nnf] !*) lbgsf] cf};t d"Nosf] a9Ldf %) k|ltzt jf ;+:yfks z]o/sf] clGtd sf/f]af/sf]
d"NodWo] h'g sd x'G5, ;f]sf] cfwf/df sfod ug'{kg]{ / o;/L sfod ul/Psf] d"Nosf] a9Ldf %)
k|ltzt /sd;Dd dfq shf{ lbg ;lsg] Joj:yfnfO{ oyfjt /flvPsf] 5 .
109. a}+s tyf ljQLo ;+:yfx?n] k|bfg ug]{ JolQmut cfjf;Lo 3/ shf{sf] ?= ! s/f]8sf] ;LdfnfO{ j[l4
u/L ?= ! s/f]8 %) nfv sfod ul/Psf] 5 .
12 g]kfn /fi6 a}+s
110. sf7df8f}+ pkTosfleq l/on :6]6 shf{ / To;sf] ;'/If0faLrsf] cg'kft -Pn6LeL /]l;of]_ xfnsf]
%) k|ltztaf6 $) k|ltzt sfod ug]{ Joj:yf ul/Psf] 5 . cGo :yfgsf xsdf ;fljssf] %)
k|ltzt;Ddsf] cg'kftnfO{ lg/Gt/tf lbOPsf] 5 . o; Joj:yfn] ;+3Lotf sfof{Gjog eO/x]sf]
;Gbe{df ljs]lGb|t ljsf;nfO{ ;d]t k|f]T;flxt ug]{ ljZjf; ul/Psf] 5 .
111. sf7df8f}+ pkTosf leq cfjf;Lo shf{ / To;sf] ;'/If0faLrsf] cg'kft -Pn6LeL /]l;of]_ %)
k|ltzt sfod ul/Psf] 5 . cGo :yfgsf] xsdf ;fljssf] ^) k|ltzt;Ddsf] cg'kftnfO{ oyfjt
sfod /flvPsf] 5 .
112. lghL k|of]hgsf ;jf/L ;fwgdf C0f k|jfx ubf{ ;f] ;jf/Lsf] d"Nofgsf] clwstd %)
k|ltzt;Dd dfq a}+sn] nufgL ug{ ;Sg] Joj:yfnfO{ ^% k|ltzt k'ofOPsf] 5 . ;fy}, JolQmut
ljB'tLo ;jf/L ;fwgsf] xsdf pQm ;Ldf *) k|ltzt sfod ul/Psf] 5 . t/ Go"gtd $)
;L6sf ;fj{hlgs oftfoft, lgdf{0f sfo{ tyf lzIff, :jf:Yo nufotsf ;]jfsf nflu k|of]u x'g]
;jf/L ;fwgsf] xsdf ;f] ;Ldf nfu" x'g] 5}g .
113. ax'a}ls sf/f]af/af6 x'g ;Sg] hf]lvdnfO{ Go"gLs/0f ug{ ?= ! ca{eGbf a9L C0f k|jfx ubf{
clgjfo{ ?kdf ;xljQLos/0fdf hfg'kg]{ Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 . t/ of] Joj:yf
n3'ljQ ;+:yfnfO{ lbOg] C0fsf xsdf clgjfo{ x'g] 5}g .
114. xfo/kr]{h shf{ k|bfg ug]{ cg'dltk|fKt ;+:yfnfO{ a}+s tyf ljQLo ;+:yfn] ;jf/L ;fwg, d]lzg/L
h:tf l:y/ ;DklQ lwtf] lnO{ ;f]sf] vl/b d"Nosf] %) k|ltzt;Dd shf{ k|bfg u/L ;DklQsf] k"/f
d"Nosf] aLdf u/]sf] cj:yfdf ;xljQLos/0f cfjZos gkg]{ Joj:yf ldnfOg] 5 .
lgodg tyf ;'kl/j]If0f
115. @)&$ c;f/ d;fGt;Dd tf]lsP adf]lhdsf] Go"gtd r'Qmf k"FhL k'ofpg] lgb]{zg adf]lhd o;
a}+saf6 Ohfht k|fKt a}+s tyf ljQLo ;+:yfx? pT;fxk|b ?kdf ;xefuL ePsf] kfOPsf] 5 . a}+s
tyf ljQLo ;+:yf ;DaGwL P]g, @)&# df ePsf] Joj:yf adf]lhd cfly{s jif{ @)&#&$ sf]
jfXo n]vfk/LIf0f Pjd\ ljQLo ljj/0f ;fj{hlgs ubf{sf] cj:yf;Dddf tf]lsP adf]lhdsf]
Go"gtd r'Qmf k'FhL k'u]sf] Joxf]/f ljQLo ljj/0fsf] n]vf ;DaGwL l6Kk0fL (Notes to Account) df
:ki6 ?kdf hgfOPsf] x'g' kg]{5 . o; cg'?k tf]lsPsf] r'Qmf k'FhL gk'u]df ljBdfg Joj:yf
cg'?k gub nfef+z / af]gz z]o/ ljt/0f Pjd\ zfvf lj:tf/df /f]s nufpg], lgIf]k ;+sng /
shf{ k|jfxdf ;Ldf tf]Sg] tyf afWosf/L dh{/df n}hfg] nufotsf sf/afxL cufl8 a9fOg] 5 .
116. o; a}+sn] ;d:ofu|:t 3f]if0ff u/L l/hf]n';g k|lqmof ;DkGg ePkZrft\ ;+rfngdf cfPsf a}+s
tyf ljQLo ;+:yfx?sf] r'Qmf k'FhL j[l4sf ;DaGwdf 5'} gLltut Joj:yf ul/g]5 .
117. s, v / u ju{sf a}+s tyf ljQLo ;+:yfx?n] ljleGg k|b]zdf /x]sf ljs6 tyf b'u{d
lhNnfx? ef]hk'/, cf]vn9'+uf, dgf, ?s'd, ;Nofg, h'Dnf, d'u', x'Dnf, sflnsf]6, 8f]Nkf,
hfh/sf]6, aemf, afh'/f / bfr'{nfsf ;b/d'sfd eGbf aflx/ zfvf vf]n]df lglZrt cjlwsf
nflu k|lt zfvf ?= ! s/f]8 lgAof{hL ;fk6L lbg] Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 .
118. n3'ljQ ;]jfsf] kx'Fr sd ePsf ljleGg k|b]zdf /x]sf @@ lhNnfx? dgf, x'Dnf, 8f]Nkf,
sflnsf]6, d'u', hfh/sf]6, aemf, afh'/f, bfr'{nf, cf]vn9'+uf, h'Dnf, c5fd, a}t8L, ?s'd, ;Nofg,
ef]hk'/, d':tf, /f]Nkf, tfKn]h', vf]6f, /;'jf / ;f]n'v'Da'df 3 ju{sf ljQLo ;+:yfn]
;b/d'sfd afx]ssf :yfgdf zfvf vf]n]df ?= $) nfv;Dd lgAof{hL ;fk6L k|bfg ul/g]5 .
119. ;fdflhs ;'/Iff eQf a}+s vftfdfkm{t\ pknAw u/fO{ ;a} g]kfnLsf] a}+s vftf vf]Ng] g]kfn
;/sf/sf] cleofgdf ;xof]u k'ofpg a}+s tyf ljQLo ;+:yf gePsf ufpFkflnsfx?df zfvf
vf]nL xfn;Dd vftf gePsf g]kfnL gful/sx?sf] vftf cfly{s jif{ @)&$&% leq vf]n]df
;DalGwt a}+s tyf ljQLo ;+:yfx?nfO{ k|lt @%)) vftf a/fa/ ?= ! s/f]8 lgAof{hL ;fk6L Ps
jif{sf] nflu k|bfg ul/g]5 . of] Joj:yf cfly{s jif{ @)&$&% ;Dd /xg]5 .
120. ;+3Lo ;+/rgf cg';f/ to ePsf &$$ :yfgLo tx dWo]sf a}+s zfvf gePsf tf]lsPsf :yfgLo
txdf clgjfo{ ?kdf a}+s zfvf vf]Ng] lgb]{zg lbOg]5 . o:tf] lgb]{zgsf] kfngf ug'{ ;DalGwt
a}+ssf] st{Jo x'g]5 . lgb]{zg kfngf gug]{ a}+snfO{ g]kfn /fi6 a}+s P]gdf ePsf] Joj:yf adf]lhd
cfjZos sf/afxL ul/g]5 . ;fy}, o; a}+sn] ;/sf/L sf/f]jf/sf nflu k|f]T;fxg ug{ tf]lsPsf
:yfgLo txdf vf]lng] zfvfnfO{ k|lt zfvf ?= ! s/f]8 Ps jif{sf] nflu lgAof{hL ;fk6L k|bfg
ug{]5 .
121. Ohfht k|fKt v tyf u ju{sf a}+s tyf ljQLo ;+:yfx?sf] sfo{If]qnfO{ r'Qmf k'FhLsf]
cfwf/df lhNnfut ?kn] tf]Sg] ul/Psf]df ;f]nfO{ ;+3Lo ;+/rgf adf]lhd tf]Sg] Joj:yf
ldnfOg]5 .
122. hf]lvd Jo:yfkgsf nflu a}+s tyf ljQLo ;+:yfx?n] cjnDag ug'{kg]{ k4lt ;DaGwdf jftfj/0f
tyf ;fdflhs hf]lvd Joj:yfkg (Environmental and Social Risk Management) ;DaGwL
lgb]{lzsf hf/L ul/g]5 .
123. a}+s tyf ljQLo ;+:yfx?af6 k|jfx x'g] clwljsif{ shf{ tyf dfu Pjd\ rfn' k'h F L shf{ ;DaGwdf
5'} lgb]{zg hf/L ul/g]5 .
124. ljQLo ;antf ;"rsf (Financial Soundness Indicators) l/kf]l6{ ;+oGq ljsf; ug'{sf ;fy}
k|0ffnLut hf]lvd ljZn]if0fsf nflu k"j{ ;r]tgf k|0ffnL (Early Warning System) df ;'wf/
ul/g]5 .
125. jfl0fHo a}+sx?df Nepal Financial Reporting Standard (NFRS) nfu" ug{ NFRS Migration
Guidelines to Banks & Financial Institutions hf/L ul/Psf]df ljBdfg lgb]{zgdf ug'{kg]{
;+zf]wgx?sf] klxrfg u/L gofF lgb]{zg hf/L ul/g]5 . NFRS nfO{ cGo a}+s ljQLo ;+:yfx?df
;d]t qmdzM nfu" ul/g]5 .
126. ;j{;fwf/0fn] gub af]sL cfgf] vftf /x]sf] a}+s;Dd uO{ /sd hDdf ug'{ kbf{ sf/f]af/ nfut
a9\g'sf] ;fy} hf]lvdsf] ;d]t ;Defjgf /xg] x'Fbf a}+ls ;]jf tyf sf/f]af/nfO{ yk ;/n tyf
;xh agfpg u|fxsn] h'g;'s} a}+s jf ljQLo ;+:yfdf uO{ cfgf] vftf /x]sf] a}+sdf /sd hDdf
ug{ ;Sg] Joj:yf ldnfOg]5 .
127. o; a}+sn] tf]s]sf] dfkb08 k"/f u/]sf /fli6o:t/sf ljsf; a}+sx?nfO{ :jb]zL k|tLtkqsf]
sf/f]af/ ug{ :jLs[lt lbg] Joj:yf ldnfOg]5 .
128. gub sf/f]af/af6 x'g] hf]lvd Go"gLs/0f ug{ ?= #) nfveGbf a9Lsf] sf/f]af/ clgjfo{ ?kdf
r]sdfk{mt\ ug'{kg]{ Joj:yf /x]sf]df @)&$ ;fpg ! b]lv ?= !) nfv jf ;f] eGbf a9Lsf] /sd
e'QmfgL ubf{ clgjfo{ ?kdf PsfpG6k]oL r]sdfkm{t\ ug'{kg]{ Joj:yf ul/Psf] 5 .
129. xfn;Dd ?= !) nfveGbf dflysf] shf{sf] dfq shf{ ;"rgf lbg] Joj:yf /x]sf]df k|To]s shf{sf]
;"rgf shf{ ;"rgf s]Gb|nfO{ pknAw u/fpg' kg]{ Joj:yf ul/g]5 . ;fy}, ?= !) nfveGbf sd
shf{sf] ;"rgf lgMz'Ns ?kdf lng'lbg' kg]{ Joj:yf ldnfOg]5 .
130. shf{ ;"rgf ljlgodfjnL, @)%( df jfl0fHo a}+s tyf ljQLo ;+:yfnfO{ z'Ns lnO{ jf glnO{ shf{
;"rgf pknAw u/fpg] eGg] Joj:yf /x]sf]df ;DalGwt JolQmC0fLnfO{ ;d]t of] ;'ljwf pknAw
u/fpg] Joj:yf ul/g]5 .
14 g]kfn /fi6 a}+s
131. o; a}+saf6 Ohfht k|fKt ;+:yfn] lgoldt ?kdf shf{ ;"rgf s]Gb|df ;"rgf gk7fPdf To:tf]
;"rgf gk7fpg] ;+:yfnfO{ sf/afxL ul/g]5 .
132. g]kfnsf] ljBdfg e'QmfgL k|0ffnLnfO{ cfw'lgsLs/0f ug{ e'QmfgL tyf km5\of}{6 P]gsf] d:of}bf tof/
ul/g]5 . To;}u/L, l/on 6fOd u|; ;]6nd]G6 l;:6d (RTGS) :yfkgf ;DaGwL sfo{nfO{ cufl8
a9fpg'sf ;fy} /fli6o ;fgf] d"No e'QmfgL /0fgLlt (National Small Value Payment Strategy)
th'{df ul/g]5 .
133. e'QmfgL Pjd\ km5\of}{6nfO{ yk k|efjsf/L / ;'b[9 agfpg /fli6o e'QmfgL :jLrf/ (National
Payment Switch/Gateway) :yfkgfsf] k|lqmof cufl8 a9fOg'sf ;fy} b"/;+rf/ ;~hfndfkm{t\ x'g]
sf/f]af/nfO{ ;d]t o;df ;dfj]z ul/g]5 .
134. ljQLo kx'Fr lj:tf/ ug{ / e'QmfgL k|0ffnLnfO{ ;'/lIft Pjd\ k|efjsf/L agfpg Financial
Technology (FinTech) sf] k|of]unfO{ a9fjf lbOg]5 . To:tf] FinTech sf/f]af/sf] cg'udg ug{
pko'Qm lsl;dsf] Regulatory Technology (RegTech) ;+oGq lgdf{0fsf] nflu cfjZos k|lqmof
cufl8 a9fOg]5 .
135. ljB'tLo e'QmfgL sf/f]af/nfO{ yk ;'b[9 Pjd\ hf]lvd/lxt agfpg o:tf sf/f]af/x?sf] lgu/fgL
(Oversight) nfO{ k|efjsf/L agfOg] 5 .
136. ljQLo sf/f]af/sf] cfw'lgsLs/0f;Fu} ljQLo dWo:ytf nfutdf sdL cfO{ shf{ tyf lgIf]kaLrsf]
Aofhb/ cGt/ 36\b} hfg'kg]{ ;DaGwdf ;/f]sf/jfnfx?sf] Wofgfsif{0f ePsf] ;Gbe{df o; ;DaGwL
k|efjsf/L cg'udg u/L Aofhb/ cGt/nfO{ ljQLo If]q ljsf; /0fgLltn] dfu{lgb]{z u/] cg'?ksf]
:t/df sfod /fVg cfjZos Joj:yf ldnfOg] 5 .
n3'ljQ tyf ljQLo u|fxs ;+/If0f
137. n3'ljQ ;+:yfx?n] cfgf u|fxsx?sf] xslxtsf nflu v8f u/]sf ljleGg sf]ifx?nfO{ PsLs[t u/L
sfo{ljlw agfP/ dfq To:tf] sf]ifdf /x]sf] /sd pkof]u ug{ ;lsg] Joj:yf ul/g]5 .
138. n3'ljQ ;+:yfx?sf] Ohfhtsf nflu cfj]bg lng] sfo{ :ylut ul/Psf] 5 . ljQLo ;]jfsf] kx'Fr
sd /x]sf / t'ngfTds ?kdf pRr ul/aL ePsf lxdfnL tyf kxf8L lhNnfx?df n3'ljQ ljQLo
;+:yfx?nfO{ zfvf vf]Ng k|f]T;fxg ul/g]5 .
139. ljQLo ;]jf lng] u|fxsx?sf] lxt ;+/If0fsf nflu ;]jf z'Ns ;DaGwdf o; a}+sn] hf/L u/]sf]
dfu{bz{gnfO{ k'g/fjnf]sg ul/g]5 .
140. Ho]i7 gful/s, km/s 9+un] ;Ifd / ;fIf/ gePsf JolQmx?nfO{ ;xh ?kdf a}+ls ;]jf pknAw
u/fpg k|To]s a}+s tyf ljQLo ;+:yfn] To:tf u|fxsx?nfO{ ljz]if sfp06/ tf]sL ;]jf lbg' kg]{
Joj:yf ul/g]5 . ;fy}, a}+s tyf ljQLo ;+:yfsf] P6LPd ;]jf km/s 9+un] ;Ifd JolQmd}qL
agfpg cfjZos Joj:yf ul/g]5 .
141. a}+s tyf ljQLo ;+:yfx?n] ;"rgf tyf u'gf;f] ;'g'jfO{ 8]:s sf nflu u'gf;f] ;'Gg] clwsf/L
tf]Sbf slDtdf jl/i7 Joj:yfks jf ;f] eGbf dflysf] clwsf/LnfO{ tf]Sg' kg]{ / Ps cfly{s jif{df
k|fKt u'gf;f] / ;'gjfO{ ePsf] u'gf;f]sf] ;+VofTds ljj/0f cfgf] jflif{s ljj/0fdf k|sfzg ug'{sf
;fy} o; a}+sdf k]z ug'{kg]{ Joj:yf ldnfOg] 5 .
142. a}+s tyf ljQLo ;+:yfx?n] d'2tL lgIf]k vftf vf]Ng] u|fxsnfO{ ;f] d'2tL lgIf]k /l;bsf] lwtf]df
shf{ k|bfg ubf{ vftf vf]Nbfs} jvt shf{df nfUg] Aofhb/ to ug'{kg]{ / o;/L to ePsf]
Aofhb/eGbf a9L lng gkfOg] Joj:yf ul/g]5 .
143. xfn a}+s tyf ljQLo ;+:yfx?n] shf{ k|jfx ug]{ k|of]hgsf nflu C0fLaf6 lng] lwtf] ;DklQsf]
d"Nofg, lwtf] ;sf/ / lwtf] lnnfdL ug]{ ;DaGwdf cfjZos dfkb08 tof/ ul/g]5 .
ljb]zL ljlgdo Joj:yfkg
144. g]kfndf x'g] sf8{ sf/f]af/sf] lx;fj ldnfg ef/tLo d'b|fdf ef/taf6 eO/x]sf] / To; jfktsf]
z'Ns e'QmfgL tyf km5\of}{6 ;d]t ef/tLo d'b|fdf ug{'kg]{ ljBdfg Joj:yfn] sf8{ sf/f]af/sf]
nfut a9fPsf] 5 . o;nfO{ ;Daf]wg ug{ ljb]zL ;]jf k|bfosx?af6 g]kfnleq x'g] On]S6f]lgs
sf8{ sf/f]af/sf] km5\of{}6 g]kfnd} u/L v'b /sddfq e'QmfgL x'g] Joj:yf ldnfOg] 5 .
145. Ohfht k|fKt ;+:yfx?n] gub kl/jTo{ ljb]zL d'b|faf6 dfq ;6xL lbg] u/]sf t/ ljBdfg
cj:yfdf a}ls pks/0fsf] a9\bf] k|of]usf sf/0f pko'Qm pks/0faf6 ;d]t ;6xL lbg ;Sg]
Joj:yf ug{ cfjZos b]lvPsf]n] lglZrt dfkb08 k"/f u/]sf Ohfhtk|fKt ;+:yfx?nfO{ KjfOG6
ckm ;]n (PoS) dfkm{t\ ;6xL lbg ;Sg] tyf cfgf] ;]jfsf] e'StfgL lng ;Sg] Joj:yf ul/g]5 .
146. Ohfht k|fKt xf]6nx?n] cfgf] ;]jf laqmL ubf{ dfq ;6xL lbg ;Sg] Joj:yf /x]sf]df ca pk|fGt
xf]6ndf a:g] cfgf u|fxsnfO{ cfjZos k/]df k|lt u|fxs clwstd #)) cd]l/sL 8n/
a/fa/;Dd ;6xL lbg ;Sg] Joj:yf ul/g]5 .
147. ef/t e|d0fdf hfg]x?nfO{ ef=?=! nfv;Dd gub} k|bfg ug]{ Joj:yf /x]sf]df lj/fdL afx]s cGo
ljleGg k|of]hgsf] nflu ef/t hfFbf ef=?= %) xhf/eGbf a9Lsf] ;6xL ;'ljwf lng'kbf{ clgjfo{
?kdf sf8{ jf a}+ls pks/0fdfkm{t\ ;6xL k|bfg ug]{ Joj:yf ul/g]5 .
148. ljb]zL d'b|f ;6xL ;DaGwdf cgf}krfl/s sf/f]af/nfO{ lgolGqt ug{] k|of]hgsf] nflu k|rf/k|;f/
a9fpFb} b]zsf ko{6sLo tyf d'b|f ;6xL sf/f]af/ x'g] ljleGg :yfgdf ljb]zL d'b|f Ohfhtk|fKt
;+:yfaf6 dfq ;f6\g' kg]{ Joj:yfnfO{ k|efjsf/L agfOg]5 .
149. g]kfnsf jfo';]jf k|bfos sDkgLx?df sfd ug]{ ljb]zL gful/ssf] >d :jLs[lt / ;Demf}tfsf]
cjlw jxfn /x]sf] cj:yfdf k|rlnt sfg"g adf]lhd a9Ldf ! jif{sf] kfl/>lds k7fpg] u/L
Ps}k6s :yfoL ;6xL ;'ljwf k|bfg ug{] Joj:yf ldnfOg] 5 .
150. g]kfnL gful/s, kmd{ tyf ;+:yfx?n] cfgf] Joj;fo ug{ jf eO/x]sf] Joj;fo lj:tf/ ug{ o;
a}+ssf] k"j{ :jLs[lt lnO{ ljb]zdf /x]sf cfgf gft]bf/, cGo JolQm, u}/cfjf;Lo g]kfnL jf ;+3
;+:yfaf6 a}+sn] tf]s]sf] zt{sf] clwgdf /xL cd]l/sL 8n/ @ nfv;Dd C0f lng] Joj:yf /x]sf]df
;f]nfO{ j[l4 u/L cd]l/sL 8n/ % nfv;Dd / ef/tsf] xsdf % s/f]8 ef/tLo ?k}ofF;Dd C0f
lng ;Sg] Joj:yf ul/g]5 .
151. ljBdfg Joj:yf jdf]lhd Ohfht k|fKt a}+sx?n] cfk"m;+Fu ePsf] ljb]zL d'b|f ljb]zl:yt a}+sdf
nufgL ubf{ clwstd @ jif{;Dd nufgL ug{ ;Sg] Joj:yf /x]sf]df k"0f{ t/n ;/sf/L ;'/If0fkqdf
a9Ldf % jif{;Ddsf nflu nufgL ug{ ;Sg] Joj:yf ul/g]5 .
152. g]kfndf ;~rfng eO/x]sf ljleGg k"jf{wf/ ljsf; lgdf{0fsf cfof]hgfx?n] cfof]hgf lgdf{0fsf
qmddf rfn' vr{nfO{ wfGg cNksfnLg ;'ljwf (Short Term Advances) cfjZos k/L ljb]zaf6
Nofpg'kg]{ ePdf To:tf] C0f ;xh ?kdf lng ;Sg] Joj:yf ul/g]5 .
153. ljb]zL nufgLstf{x?nfO{ nfef+z lkmtf{ n}hfg] jt{dfg Joj:yfdf ;/nLs/0f ub}{ hfg] gLlt
lnOg]5 . o; cGtu{t jflif{s ?= !) s/f]8;Ddsf] nfef+z ljt/0f ug]{ kmd{, sDkgL, ;+:yfx?n]
tf]lsPsf] sfuhft k]z u/L jfl0fHo a}+sdfk{mt\ ;f]e}m ;6xL ;'ljwf kfpg ;Sg] Joj:yf ul/g]5 .
16 g]kfn /fi6 a}+s
154. xjfO{hxfh, b"/;+rf/sf kf6{k"hf{ tyf d]l8sn OlSjkd]G6sf kf6{k"hf{ cflwsfl/s Ph]G6dfkm{t\
tTsfn} ljb]zaf6 dufpg' k/]df cd]l/sL 8n/ !) xhf/;Ddsf ;fdfgx? laqm]tfn] pwf/f]df
k7fOlbPdf To:tf ;fdfg lgodfg';f/ eG;f/ hfFr kf; eO{ cfPsf] () lbgleq sfuhftsf
cfwf/df e'QmfgL k7fpg ;lsg] Joj:yf ul/g]5 .
155. x'08L sf/f]af/nfO{ lg?T;flxt ug{ ljleGg b]zx?af6 k|fKt x'g] ljk|]if0f /sd a}ls k|0ffnLaf6
leq\ofpg cfjZos Joj:yf ldnfOg] 5 . ;fy}, x'08L nufotsf ljb]zL d'b|f ;DaGwL u}/sfg"gL
sf/f]af/df ;+nUg JolQm tyf ;+:yfnfO{ sfg"g sfof{Gjg ug]{ lgsfox?;Fu ;dGjo u/L sf/afxL
ul/g]5 .
156. ljb]zL ljlgdo ;DaGwL ljBdfg cGo Joj:yfx?nfO{ oyfjt /flvPsf] 5 .
cGTodf,
157. rfn' cfly{s jif{sf] df}lb|s gLltsf] c4{jflif{s ;dLIff ubf{sf jvt a}+ls If]qsf] ;fwg
kl/rfngdf s]xL bjfjsf] l:ylt /x]tf klg kl5Nnf] ;do o;df ;'wf/ xF'b} cfPsf] 5 . cfly{s
ultljlw lj:tf/ k|lt /fli6o / cGt/f{li6o rf;f] a9]sf] cj:yfdf g]kfn ;/sf/sf] ah]6;Fu
tfbfTDo sfod u/L th'{df ul/Psf] cfly{s jif{ @)&$&% sf] df}lb|s gLltsf] sfof{Gjogaf6
;dli6ut cfly{s :yfloTj tyf nlIft cfly{s j[l4b/ xfl;n ug{ ;xof]u k'Ug] ck]Iff ul/Psf] 5 .
158. k|:t't df}lb|s gLlt th'{dfsf] qmddf ;xof]u k'ofpg] g]kfn ;/sf/sf lgsfox?, a}+s tyf ljQLo
;+:yfx?, ljleGg Jofj;flos ;+3;+:yfx?, ljt\ ju{, ;~rf/ dfWod nufot ;a}
;/f]sf/jfnfx?nfO{ wGojfb 1fkg ub}{ of] df}lb|s gLltdf Joj:yf ul/Psf gLlt tyf
sfo{qmdx?sf] sfof{Gjogdf ;bfem} ;a}sf] ;xof]u k|fKt x'g] ck]Iff ul/Psf] 5 .
cg';"rL !
cfly{s jif{ @)&#&$ sf] df}lb|s gLltsf] nIo tyf k|ult ljj/0f
qm=;+= a'Fbf g+= nIosfo{qmd sfof{Gjog l:ylt
1. %% cfly{s jif{ @)&#&$ sf] ah]6df pNn]v eP adf]lhd cfly{s jif{ @)&#&$ sf] !! dlxgfdf cf};t pkef]Qmf d'b|f:kmLlt b/ $=^ k|ltzt
pkef]Qmf d'b|f:kmLlt b/nfO{ &=% k|ltztsf] ;Ldfleq /flvg] . sfod /x]sf] .
2. %^ slDtdf * dlxgfsf] j:t' tyf ;]jfsf] cfoft wfGg kof{Kt x'g] @)&$ h]7 d;fGtdf ljb]zL ljlgdo ;l~rlt ?= !)&) ca{ @^ s/f]8 sfod /x]sf] .
ljb]zL ljlgdo ;l~rlt sfod ug]{ . rfn' cfly{s jif{sf] !! dlxgf;Ddsf] cfoftnfO{ cfwf/ dfGbf pQm ;l~rlt !#=#
dlxgfsf] j:t' cfoft / !!=% dlxgfsf] j:t' tyf ;]jf cfoft wfGg kof{Kt /x]sf] .
3. %& g]kfn ;/sf/sf] ah]6 jQmJodf plNnlvt ^=% k|ltztsf] cfjZostf cg';f/ t/ntf Joj:yfkg ug]{ ul/Psf] .
cfly{s j[l4 xfl;n ug{ ;xof]u k'Ug] u/L cfjZos t/ntfsf]
Joj:yfkg ul/g] .
4. %( lj:t[t d'b|fk|bfosf] j[l4b/nfO{ !& k|ltztdf ;Lldt ul/g] . jflif{s ljGb'ut cfwf/df @)&$ h]7 d;fGtdf lj:t[t d'b|fk|bfosf] j[lb/ !^=*
k|ltzt /x]sf] .
5. ^) cfGtl/s shf{ lj:tf/ nIo @% k|ltzt sfod ul/Psf] . jflif{s ljGb'ut cfwf/df @)&$ h]7 d;fGtdf s'n cfGtl/s shf{sf] j[lb/ @)=(
k|ltzt /x]sf] .
6. ^! lghL If]qtk{msf] shf{ @) k|ltztn] a9\g] . jflif{s ljGb'ut cfwf/df @)&$ h]7 d;fGtdf lghL If]qtk{msf] shf{sf] j[lb/ @!=*
k|ltzt /x]sf] .
7. ^$ b'O{ xKtf cjlwsf] ahf/df cfwfl/t k"j{ lgwf{l/t l/kf] /]6nfO{ b'O{ xKtf cjlwsf] l/kf] / lgIf]k ;+sng ;DaGwL sfo{ljlw ldlt @)&#$@# b]lv
gLltut b/sf] ?kdf lnOg] . sfof{Gjogdf NofOPsf] . ;dLIff cjlwdf b'O{ xKtf cjlwsf] l/kf] af]nsaf]nsf]
Aofhb/ clwstd $=*&%# k|ltzt / Go"gtd #=&@@# k|ltzt sfod /x]sf] .
8. ^$ v'nf ahf/ sf/f]af/ ;~rfng ;ldltn] b'O{ sfo{ lbg cufl8sf] :jLs[t sfo{ljlw cg';f/ ;dLIff cjlwdf k6sk6s u/L ?= #* ca{sf] l/kf]
efl/t cf};t cGt/a}+s b/df @)) a]l;; KjfOG6 ykL l/kf] /]6 af]nsaf]n cfXjfg ul/Psf]df hDdf ?= % ca{ $) s/f]8sf] dfq af]n k/]sf] / ;f]xL
lgwf{/0f ug]{ / ;f] b/df tf]lsPsf sfp06/kf6L{x?nfO{ 3f]lift cg'?k afF8kmfF8 ePsf] .
/sddf af]nsaf]n ug{] / cfjZos k/] ;dfg'kflts 9+un] l/kf]
af]nsaf]nsf] afF8kmfF8 ul/g] .
9. ^$ v'nf ahf/ sf/f]af/ ;~rfng ;ldltn] l/kf] /]6 lgwf{/0f ubf{ :jLs[t sfo{ljlw cg';f/ efl/t cf};t cGt/a}+s b/sf cfwf/df l/kf] /]6 lgwf{/0f
cfjZos kg]{] efl/t cf};t cGt/a}+s b/ u0fgf ug]{ . ug]{ ul/Psf] .
10. ^% ahf/df cfwfl/t k"j{ lgwf{l/t Aofhb/df b'O{xKt] lgIf]k ;+sng @)&$ c;f/ @@ ut];Dd !$ lbg] lgIf]k ;+sng af]nsaf]ndfk{mt\ k6sk6s u/L
af]nsaf]ndfk{mt\ t/ntf k|zf]rg ug]{ . s'n ?= $# ca{ &% s/f]8 t/ntf k|zf]rg ul/Psf] .
18 g]kfn /fi6 a}+s

11. ^% v'nf ahf/ sf/f]af/ ;~rfng ;ldltn] b'O{ sfo{ lbg cufl8sf] cGt/a}+s Aofhb/sf] cfwf/df lgIf]k ;+sng af]nsaf]nsf] Aofhb/ lgwf{/0f ul/Psf] .
efl/t cf};t cGt/a}+s b/df !) cfwf/ ljGb' -a]l;; KjfOG6_ @)&$ c;f/ @@ ;Dd k6sk6s u/L !$ lbg] lgIf]k ;+sng af]nsaf]n u/L hDdf
n] 36fO{ lgIf]k ;+sng b/ lgwf{/0f ug]{ tyf sfp06/kf6L{x?nfO{ ?= $# ca{ &% s/f]8sf] t/ntf k|zf]rg ubf{ lgIf]k ;+sngsf] Aofhb/ clwstd
/sddf af]nsaf]n ug{ cfXjfg ul/g] . af]nsaf]nsf] afF8kmfF8 @=!(*@ k|ltzt / Go"gtd )=@$*& sfod ePsf] .
cfjZos k/] ;dfg'kflts ljlwdfk{mt\ ul/g] .
12. ^^ df}lb|s gLltsf p2]Zo / t/ntf cg'udg tyf k|If]k0f ;+/rgfn] t/ntf cg'udg tyf k|If]k0f ;+/rgfaf6 lgwf{l/t t/ntf kl/df0fsf cfwf/df
lgwf{/0f u/]sf] t/ntf kl/df0fnfO{ cfwf/ agfO{ v'nf ahf/ cfjZostf cg';f/ lgIf]k ;+sng ul/Psf] .
sf/f]af/ ;ldltn] cfjZostf cg';f/ b'O{ xKtf cjlwsf] lgIf]k
;+sng af]nsaf]n cfXjfg ug]{ .
13. ^& cGt/a}+s Aofhb/ / b'O{ xKtf cjlwsf] l/kf] /]6 Aofhb/ @)&$ c;f/ @@ ut] ul/Psf] b'O{ xKtf cjlwsf] lgIf]k ;+sng af]nsaf]nsf nflu
sl/8f]/leq /xg] . lgwf{l/t )=%$)& k|ltzt Aofhb/nfO{ sl/8f]/sf] tNnf] ;Ldf dfGbf cGt/ a}+s
Aofhb/ / b'O{ xKtf cjlwsf] l/kf] /]6 sl/8f]/ leq} /x]sf] .
14. ^* nlIft cGt/a}+s Aofhb/ sl/8f]/sf] tNnf] jf dflyNnf] s'g Aofhb/ sl/8f]/ sfof{Gjogsf] k|f/lDes r/0fdf /x]sf] / o;nfO{ ;do ;fk]If ?kdf
;Ldfdf /xG5, ;f]sf] cg'ejsf] cfwf/df Aofhb/ sl/8f]/ kl/dfh{g ub}{ nlug] .
k4ltdf qmdzM ;'wf/ ub}{ nlug] .
15. ^( v'nf ahf/ sf/f]af/ ljlgodfjnL, @)&! df Joj:yf ul/Psf v'nf ahf/ sf/f]af/ ;~rfng ;ldltsf] lg0f{o adf]lhd cfjZos pks/0fx?sf]
lwtf]df cfwfl/t ;f]e}m laqmL, vl/b, l/kf] / l/e;{ l/kf] k|of]u ;fljss} Joj:yf adf]lhd eO/x]sf] . @)&$ c;f/ @@ ;Dd !@ k6sdf u/L
af]nsaf]n h:tf v'nf ahf/ pks/0fx?sf] ;fljss} Joj:yf ?= @& ca{ &( s/f]8sf] ;f]e}m vl/b ul/Psf] . To;}u/L, l/kf]dfk{mt\ # k6sdf ?= @&
adf]lhd cfjZostfg';f/ t/ntf Joj:yfkgsf nflu k|of]u ca{ *! s/f]8sf] t/ntf k|jfx / l/e;{ l/kf]dfk{mt\ @@ k6sdf u/L ?= ^$ ca{ @%
ul/g] . s/f]8sf] t/ntf k|zf]rg ul/Psf] .
16. &@ clgjfo{ gub df}Hbft sfod ug]{ cjlwnfO{ ;fljs Ps @)&#)%@& df kl/kq hf/L ePsf] .
xKtfaf6 b'O{ xKtf ul/Psf] . o:tf] df}Hbft b}lgs ?kdf &)
k|ltzt sfod ug'{kg]{ Joj:yf ul/Psf] / 7Ls b'O{ xKtf
cufl8sf] Ps xKtfsf] cf};t :jb]zL lgIf]ksf] cfwf/df df}Hbft
cg'kft u0fgf ug]{ Joj:yf ldnfOg] .
17. &# ljBdfg t/ntf cg'udg tyf k|If]k0f ;+/rgfnfO{ cfjZostf kl/dfh{g eO/x]sf] .
cg';f/ kl/dfh{g ul/g] .
cg';"rL @
cfly{s jif{ @)&#&$ sf] ljQLo If]q, n3'ljQ tyf ljb]zL ljlgdo ;DaGwL gLlt tyf sfo{qmdx?sf] k|ult ljj/0f
1. &( jfl0fHo a}+sx?n] cfgf] s'n shf{sf] @) k|ltzt tf]lsPsf pTkfbgzLn @)&#!)@% df kl/kq hf/L ePsf]] . @)&$ h]7 d;fGt;Dddf
If]qdf k|jfx ug'{kg]{ Joj:yfdWo] s[lif tyf pmhf{ If]qdf k|jfx ug'{kg]{ shf{sf] jfl0fHo a}+sx?n] s[lif, pmhf{, ko{6g, 3/]n' tyf ;fgf pBf]u nufotsf
Go"gtd ;Ldf xfnsf] !@ k|ltztaf6 @)&$ c;f/ d;fGt;Dddf !% k|ltzt pTkfbgzLn If]qdf s'n shf{sf] !&=% k|ltzt shf{ k|jfx u/]sf .
k'ofpg' kg]{ Joj:yf ul/Psf] .
2. *) tf]lsPsf pTkfbgzLn If]qdf Go"gtd\ shf{ k|jfx ug'{kg]{ u/L xfn sfod
/x]sf] Joj:yf cg'?k shf{ k|jfx gu/]df @)&$ c;f/ d;fGtb]lv To:tf]
gk'u /sddf a}+s b/df xhf{gf nufOg] .
3. *! ko{6sLo ;Defjgf /x]sf t/ t'ngfTds ?kdf ljsf; x'g g;s]sf ko{6sLo @)&#)%)* df kl/kq hf/L ePsf] .
uGtJo kflye/f, dfOkf]v/L, xn];L, nf6f, :ju{f/L, dflyNnf] d':tf,
u9LdfO{, hgsk'/wfd, /f/f tyf vKt8 If]qdf ;'ljwf ;DkGg :t/Lo xf]6n
:yfkgf ug{ ;fwf/0f k'g/shf{ pknAw u/fpg] Joj:yf ul/g] .
4. *# cfly{s jif{ @)&#&$ sf] ah]6df pNn]v eP adf]lhd o'jf tyf ;fgf g]kfn ;/sf/af6 ldlt @)&#!@)@ df o'jfx?nfO{ Jofj;flos s[lif
Joj;foLx?nfO{ tf]lsPsf Jofj;flos s[lifdf k|jfx x'g] shf{df % k|ltztsf shf{df k|bfg ul/g] Aofh cg'bfg ;DaGwL sfo{ljlw, @)&! vf/]h u/L
b/n] Aofh cg'bfg pknAw u/fpg] tyf ;f] If]qdf a}+s tyf ljQLo ;+:yfaf6 Jofj;flos s[lif tyf kz'k+IfL shf{df k|bfg ul/g] Aofh cg'bfg
k|jfx ul/g] shf{nfO{ ;/n agfpg o'jfx?nfO{ Jofj;flos s[lif shf{df ;DaGwL sfo{ljlw, @)&# kfl/t ePsf] . o; ;DaGwdf @)&#!@!*
k|bfg ul/g] Aofh cg'bfg ;DaGwL sfo{ljlw, @)&! df cfjZos ;+zf]wg df kl/kq hf/L ul/Psf] .
ug]{ Joj:yf ldnfOg] .
5. *$ xfn;Dd a}+s tyf ljQLo ;+:yfx?sf] nlIft ju{df gk/]sf / cfly{s ?kdf :ynut lg/LIf0fsf] qmddf lgoldt cg'udg eO/x]sf] .
ljkGg ju{eGbf dfly /x]sfx? (Missing Middle) nfO{ shf{ k|fKt ug{ ;xh
xf];\ eGg] p2]Zon] a}+s tyf ljQLo ;+:yfx?sf ;fgf tyf demf}nf Joj;fo
8]:s (SME Desk) nfO{ yk k|efjsf/L agfpg cg'udg ug]{ Joj:yf
ldnfOg] .
6. *% cfly{s jif{ @)&#&$ sf] ah]6df pNn]v eP cg';f/ pBdzLn o'jfx?nfO{ Rofn]Gh km08 :yfkgf x'g g;s]sf] .
nufgLsf] aLpk'FhL (Seed Capital) pknAw u/fpg] p2]Zon] :yfkgf x'g]
Rofn]Gh km08sf] ;'ljwf k|fKt ug]{ o'jfx?nfO{ cfjZos x'g] yk ljQLo ;fwg
pknAw u/fpg a}+s tyf ljQLo ;+:yfx?nfO{ k|f]T;flxt ul/g] .
20 g]kfn /fi6 a}+s

7. *% Rofn]Gh km08sf] ;'ljwf k|fKt ug]{ o'jfx?nfO{ a}+s tyf ljQLo ;+:yfx?n] yk
shf{ k|jfx u/]df To:tf] shf{ pTkfbgzLn shf{ tyf ljkGg ju{ shf{df
u0fgf ug]{ Joj:yf ldnfOg] .
8. *^ jfl0fHo a}+sx?n] ljkGg ju{df nufgL ug'{kg]{ % k|ltztsf] shf{ cg'kftnfO{ @)&#)%!# df kl/kq hf/L ul/Psf] .
oyfjt\ /fvL o; cGtu{t Go"gtd @ k|ltzt shf{ k|ToIf ?kdf nufgL
ug'{kg]{ Joj:yf ul/Psf] .
9. *& Jofj;flos s[lif kl/of]hgfsf] lwtf]df a}+s tyf ljQLo ;+:yfx?af6 k|jfx @)&#)%!# df kl/kq hf/L ul/Psf] .
ul/g] ?= !) nfv;Ddsf] kl/of]hgf shf{nfO{ ljkGg ju{ shf{df u0fgf ug]{
Joj:yf ldnfOg] .
10. ** df}lb|s gLltdf plNnlvt Joj:yfx?sf] k|ultsf ;DaGwdf q}dfl;s ;dLIff Dff}lb|s gLltsf] k|yd q}dfl;s, c4{-jflif{s / t];|f] q}dfl;s ;dLIff u/L
ul/g] . ;fj{hlgs ul/Psf] .
11. () jfl0fHo a}+sx?n] ljj]szLn lgodg cGtu{t @)&# ;fpgb]lv af;]n# df o; cg';f/sf] Joj:yf sfof{Gjogdf NofOPsf] .
cfwfl/t Go"gtd sdg OlSjl6 l6o/ ! k"FhL cg'kft $=% k|ltzt
sfof{Gjogdf Nofpg' kg]{ Joj:yf ul/Psf] .
12. (! a}+sx?sf] s'n hf]lvd efl/t ;DklQsf] @=% k|ltzt ljGb'n] x'g] k'FhL Soflk6n o; cg';f/sf] Joj:yf sfof{Gjogdf NofOPsf] .
sGh/e];g akm/ sfod ug'{kg]{ Joj:yf ul/g] . tf]lsP adf]lhd sfod ug{
g;Sg] a}+sx?n] gfkmfsf] /sd dWo]af6 k'FhLsf nflu ;+lrt u/]/ dfq ljt/0f
ug{ ;Sg] Joj:yf sfof{Gjog ul/g] .
13. (@ jfl0fHo a}+sx?sf] s'n hf]lvd efl/t ;DklQsf] clwstd @=% k|ltzt o; ;DaGwL Joj:yf cfjZostfg';f/ nfu" ul/g] .
ljGb';Ddsf] cltl/Qm sfpG6/ l;lSnsn akm/ @)&$ c;f/ leq sfod
ug'{kg]{ Joj:yf ul/Psf] .
14. (# /fli6o :t/sf ljsf; a}+sx?df xfn /x]sf] ;dfgfGt/ k'FhL u0fgf ljlw x6fO{ @)&#)$!& df kl/kq hf/L ul/Psf] .
af;]n@ k"0f{ ?kdf nfu" ug]{ Joj:yf ldnfOg] .
15. (# /fli6o :t/sf ljQ sDkgLx?df ;d]t ;dfgfGt/ ?kdf af;]n@ adf]lhd @)&#)%)* df kl/kq hf/L ul/Psf] .
kF"hL u0fgf ug]{ Joj:yf ldnfOg] .
16. ($ jfl0fHo a}+sx?sf nflu af;]n# df cfwfl/t t/ntf cg'udg k4lt nfu" o; ;DaGwL Joj:yf sfof{Gjog ug{ cfjZos k|lqmof cufl8 a9]sf] .
ug]{ / t/ntfsf cfwf/df ;d]t zL3| ;'wf/fTds sf/afxL nfu" ul/g] .
17. (% shf{ hf]lvdaf6 a}+s tyf ljQLo ;+:yfx?df kg{ ;Sg] gf]S;fgLsf nflu ;'Id lgu/fgL ug]{ sfo{ lg/Gt/ ?kdf eO/x]sf] .
;dod} tof/ /xg ;'Id lgu/fgL h:tf shf{ gf]S;fgL Joj:yfnfO{ cem
dha't / hf]lvddf cfwfl/t agfpFb} nlug] .

18. (& jfl0fHo a}+sx?n] q}dfl;s ?kdf $ k|ltzt lne/]h cg'kft sfod ug'{kg]{ o; cg';f/sf] Joj:yf sfof{Gjogdf /x]sf] .
Joj:yf ul/Psf] . @)&% ;fpgb]lv o; cg'kftdf af;]n sld6Lsf]
dfu{bz{gsf cfwf/df k'g/fjnf]sg ul/g] .
19. (* jfl0fHo a}+sx?n] s'n lgIf]kdf ;+:yfut lgIf]ksf] c+z ;fljssf] ^) @)&#)$!& df kl/kq hf/L ul/Psf] . @)&$ h]7 d;fGtdf jfl0fHo
k|ltztaf6 36fO{ %) k|ltztsf] ;Ldfleq /fVg'kg]{] Joj:yf ul/Psf] . a}+sx?sf] ;+:yfut lgIf]ksf] c+z $^=(* k|ltzt /x]sf] . @)&#
c;f/df o:tf] lgIf]ksf] c+z %!=# k|ltzt /x]sf] .
20. (* a}+s tyf ljQLo ;+:yfx? -3 ju{sf afx]s_ n] cfgf] s'n lgIf]k bfloTjsf] @)&#)$!& df kl/kq hf/L ul/Psf] .
a9Ldf Ps rf}yfO{;Dd ;fk6L lng ;Sg] Joj:yf ul/Psf] .
21. !)$ dflh{g k|s[ltsf] shf{sf] ;'/If0f jfkt ;]o/sf] d"Nofg ubf{ kl5Nnf] !*) @)&#)%)* df kl/kq hf/L ul/Psf] .
lbgsf] clGtd d"Nosf] cf};t d"No jf ;]o/sf] k|rlnt ahf/ d"NodWo] h'g
sd x'G5 ;f]sf] a9Ldf %) k|ltzt /sd;Dd dfq shf{ k|jfx ug'{kg]{ Joj:yf
ul/Psf] .
22. !)& ;]o/sf] lwtf]df shf{ k|jfx ug]{ k|of]hgsf] nflu ;+:yfks ;]o/sf] d"Nofg @)&#)%)* df kl/kq hf/L eO{ lgoldt cg'udg eO/x]sf] .
ubf{ ;fwf/0f ;]o/sf] kl5Nnf] !*) lbgsf] cf};t d"Nosf] a9Ldf %) k|ltzt
jf ;+:yfks ;]o/sf] clGtd sf/f]af/sf] d"NodWo] h'g sd x'G5, ;f]sf]
cfwf/df sfod ug'{kg]{ / o;/L sfod ul/Psf] d"Nosf] a9Ldf %) k|ltzt
/sd;Dd dfq shf{ lbg ;lsg] Joj:yf ul/Psf] .
23. !)* l/on :6]6 shf{ / To;sf] ;'/If0faLrsf] cg'kft -Pn6LeL cg'kft_ xfnsf] @)&#)%)* df kl/kq hf/L ul/Psf] .
^) k|ltztaf6 a9Ldf %) k|ltzt sfod ug'{kg]{ Joj:yf ul/Psf] .
24. !)* cfjf;Lo l/on :6]6 shf{sf] -Pn6LeL cg'kft_ ^) k|ltzt;Dd /xg] Joj:yf @)&#)%)* df kl/kq hf/L ul/Psf] .
ul/Psf] .
25. !)( ?= %) s/f]8 jf ;f]eGbf a9Lsf] ax'a}ls shf{ pkof]u ug]{ C0fLx?sf] @)&#)%)* df kl/kq hf/L ul/Psf] .
shf{nfO{ ;xljQLos/0f shf{df kl/0ft ug'{kg]{ ;Ldf j[l4 u/L ?= ! ca{
sfod ul/Psf] .
26. !!$ ljQLo If]q ljsf; /0fgLlt :jLs[t ePkZrft\ pQm /0fgLltdf plNnlvt ljQLo If]q ljsf; /0fgLltdf pNn]lvt sfo{tflnsf adf]lhd o;
sfo{qmdx? r/0fj ?kdf sfof{Gjog ub}{ nlug] . a}+s;Fu ;DalGwt sfo{x? r/0fj4 ?kdf sfof{Gjog ul/g] .
27. !!% a}+s tyf ljQLo ;+:yf nufotsf ;"rs ;+:yfx?n] ;DklQ z'l4s/0f Pjd\ goAML Software Install eO{ k|of]udf Nofpg ;a} s ju{sf
lgjf/0f ;DaGwL tof/ ug'{kg]{ ljj/0f tyf k|ltj]bg cfjZos ;6j]o/ a}+sx?nfO{ Schema pknAw u/fO{ pQm Software k|of]u ug]{ ljlwsf]
lgdf{0f u/L ljB'tLo dfWodaf6 k7fpg'kg]{ Joj:yf ul/g] . af/]df cfjZos hfgsf/L u/fOPsf] / pQm Software k/LIf0f k|of]usf]
qmddf /x]sf] .
22 g]kfn /fi6 a}+s

28. !!^ ;DklQ z'4Ls/0f lgjf/0f tyf cft+ssf/L lqmofsnfkdf ljQLo nufgL hf]lvddf cfwfl/t ;'kl/j]If0f k|0ffnL qmlds ?kdf nfu" ug]{ sfo{
lgoGq0f ;DaGwL lgodg, lg/LIf0f tyf ;'kl/j]If0fsf sfo{x?nfO{ yk eO/x]sf] .
k|efjsf/L ?kdf cufl8 a9fpg /fli6o hf]lvd d"Nofg k|ltj]bgnfO{ ;d]t
cfwf/ dfgL hf]lvddf cfwfl/t ;'kl/j]If0f k|0ffnL qmlds ?kdf nfu" ul/g] .
29. !!* a}+s tyf ljQLo ;+:yfx?n] dxfgu/kflnsf tyf pkdxfgu/kflnsf If]qleq @)&#)^!! kl/kq hf/L ul/Psf] .
/ gu/kflnsfsf s]Gb| afx]ssf :yfgx?df zfvf vf]Ng Pjd\ @)&@ a}zfvsf]
e"sDkaf6 clt k|efljt sf7df8f}+ pkTosf afx]ssf lhNnfx?df /x]sf
Ohfhtkq k|fKt ;+:yfsf zfvf :jLs[t :yfgdf /xg c;'ljwf x'g uPdf ;f]xL
lhNnfsf] cGo pko'Qm :yfgdf To:tf] zfvf :yfgfGt/0f ug{ o; a}+ssf] k"j{
:jLs[lt lng' gkg]{ Joj:yf ul/Psf] .
30. !!( b"u{d tyf u|fdL0f e]udf /x]sf ;j{;fwf/0fsf] ljQLo ;]jfdf kxF'r k'uf];\ eGg] O{Doflk ;DaGwL sfo{ clGtd r/0fdf /x]sf] .
x]t'n] O{Doflksf cfwf/df to ul/Psf ljQLo kx'Fr sd ePsf lhNnfx?df
a}+s tyf ljQLo ;+:yfx?n] clgjfo{ ?kdf zfvf vf]Ng'kg{] Joj:yf ldnfOg] .
31. !@) Gsfndf lj:yflkt ePsf a}+sx?sf zfvfsf] k'g:yf{kgfnfO{ k|efjsf/L @)&#)%!# df kl/kq hf/L ul/Psf] . g]kfn a}+s lnld6]8, /fli6o
agfOg] tyf lghL If]qsf a}+sx?nfO{ ;d]t To:tf :yfgdf zfvf vf]Ng jfl0fHo a}+s lnld6]8 / s[lif ljsf; a}+s lnld6]8sf Gsfndf
k|f]T;flxt ul/g] . lj:yflkt #!* zfvfx?dWo] @)&# r}t d;fGt;Dddf !%& zfvf
k'g:yf{kgf ePsf .
32. !@! k"jf{wf/sf If]qdf nufgL ug{ lghL If]q ;d]tsf] ;xeflutfdf k"jf{wf/ ljsf; k"jf{wf/ ljsf; a}+s :yfkgf ug{ gLltut k|lqmof cufl8 a9fOg] .
a}+s :yfkgf ug{] sfo{ cufl8 a9fOg] .
33. !@@ ;du| a}+ls k|0ffnLsf] ;+:yfut ;'zf;g Pjd\ hf]lvd Joj:yfkgsf] u'0f:t/ @)&#(@^ df kl/kq hf/L ul/Psf] .
;'wf/ ug{sf nflu kf/blz{tf, v'nf;f, :jfy{sf] G, cg'kfngf nufotsf ljifodf
cGt/f{li6o c;n cEof; ;d]6L a}+s tyf ljQLo ;+:yfsf ;~rfnsx?nfO{
cled'vLs/0f ug{ ;~rfns lzIff sfo{qmd ;~rfng ul/g] .
34. !@# jfl0fHo a}+sx?df g]kfn kmfOgflG;on l/kf]l6{ :6\of088{ (NFRS) nfu" ug{] o; ;DaGwdf Uniform Chart of Accounts sf] d:of}bfnfO{ clGtd
k|of]hgsf nflu dfu{bz{g hf/L ul/Psf] . pQm dfu{bz{g adf]lhd jfl0fHo ?k lbO{ NFRS nfu" ug]{ ;DaGwL k|lqmof cufl8 a9fpg] qmddf /x]sf] .
a}+sx?n] tof/ ug'{kg]{ ljQLo ljj/0fx?sf] 9fFrf ;DaGwL d:of}bf ;d]t tof/
eO{ NFRS sfof{Gjog ug]{ qmddf ljBdfg lgb]{zgdf ug'{kg]{ ;+zf]wgx?sf]
klxrfg u/L gofF dfu{bz{g hf/L ul/g] .
35. !@# NFRS nfO{ cGo a}+s tyf ljQLo ;+:yfx?df ;d]t nfu" ug]{ Joj:yf klxnf] r/0fdf jfl0fHo a}+sdf nfu" ePkZrft\ cGo a}+s tyf ljQLo
ldnfOg] . ;+:yfx?df qmlds ?kdf nfu" ul/g] .

36. !@$ ;fdflhs ;'/Iff eQf a}+s vftfdfkm{t\ pknAw u/fpg tyf ;a} g]kfnLsf] o; ;DaGwdf cfjZos gLltut Joj:yf ug{ g]kfn ;/sf/, ;+3Lo
a}+s vftf cleofg ;~rfng ug]{ ;DaGwdf cfjZos Joj:yf ldnfOg] . dfldnf tyf :yfgLo ljsf; dGqfnosf] cu'jfO{df ;dGjo ug]{ sfo{
eO/x]sf] .
37. !@% a}+s tyf ljQLo ;+:yfx?n] ;+:yfut pQ/bfloTj ;DaGwL sfo{df yk @)&#(@^ df hgzlQm bIftf clej[l4 ug]{ ;DaGwdf /
lqmofzLn x'g cfgf] d'gfkmfsf] sDtLdf ! k|ltzt /sd 5'\ofpg' kg]{ / @)&#!)!@ df ;+:yfut pQ/bfloTj ;DaGwdf kl/kq hf/L
cfgf] hgzlQmsf] bIftf clej[l4sf nflu s'n sd{rf/L vr{sf] Go"gtd # ul/Psf] .
k|ltzt /sd tflnd tyf j[lQ ljsf;df vr{ ug'{kg]{ Joj:yf ul/g] .
38. !@^ Gfub sf/f]af/af6 x'g] hf]lvd Go"gLs/0f ug{ ?= %) nfveGbf a9Lsf] sf/f]af/ @)&#)%)* df kl/kq hf/L eO{ lgoldt cg'udg eO/x]sf] .
clgjfo{ ?kdf r]sdfkm{t\ ug'{kg]{ Joj:yf /x]sf]df pQm ;LdfnfO{ 36fO{ ?= #)
nfv sfod ul/Psf] .
39. !@& /fi6C0f dfu{bz{g, @)^) df cfjZos kl/dfh{g ul/g] . dfu{bz{g kl/dfh{gsf] sfo{ clGtd r/0fdf /x]sf] .
40. !@& ;/sf/L C0fkqx?sf] k|df0fkqnfO{ cef}ltsLs/0f u/L e'QmfgL Joj:yfnfO{ o; ;DaGwdf sfo{bn u7g eO{ ;f]dfk{mt\ Business Requirement
;/nLs[t ug{sf nflu gofF ;6j]o/ k|of]udf NofOg] . tof/ ug]{ sfo{ clGtd r/0fdf /x]sf] .
41. !@* g]kfnsf] ljBdfg e'QmfgL k|0ffnLnfO{ cfw'lgsLs/0f / Jojl:yt ug{ ;fem]bf/RTGS, CSD, National Payment Switch/Gateway sf] cWoog u/L
;+:yfx?sf] ;dGjodf l/on 6fOd u|; ;]6nd]G6 l;:6d, ;]G6n ;]So'l/l6h ;f] ;DaGwL 5'f5'} k|ltj]bg tof/ ug]{ qmddf RTGS :yfkgf ;DaGwL
l8kf]lh6/L tyf g]zgn k]d]G6 :jLru]6j] h:tf ljifox?df cWoog ul/g] . k|ltj]bg tof/ eO;s]sf] . ;fy}, CSD, National Payment
Switch/Gateway :yfkgf ;DaGwL k|ltj]bg tof/ kfg]{ sfo{ eO/x]sf] .
42. !@( n3'ljQ ;+:yfx?dfk{mt\ x'g] ax'a}ls sf/f]af/nfO{ Jojl:yt ug{ pQm n3'ljQ ;+:yfx?nfO{ ;"rgf s]Gb|df cfj4 u/fOPsf] .
;+:yfx?nfO{ shf{ ;"rgf s]Gb|df cfj4 x'g'kg]{ Joj:yf ldnfO{ shf{ ;"rgf
k|0ffnLnfO{ k|efjsf/L t'NofOg] .
43. !#) n3'ljQ ;+:yfx?n] shf{ nufgL ubf{ u|fxs;Fu lng] Aofhb/ ;DalGwt @)&#(@^ df kl/kq hf/L eO{ lgoldt cg'udg eO/x]sf] .
;+:yfsf] sf]ifsf] nfut (Cost of fund) df a9Ldf & k|ltzt :k|]8 sfod u/L
Aofhb/ lgwf{/0f ug]{ Joj:Yff ldnfOg] .
44. !#! ;+3Lo ;+/rgf tyf O{Doflksf] cWoog k|ltj]bg ;d]tnfO{ b[li6ut u/L @)&#)^!! df ;"rgf hf/L ul/Psf] .
n3'ljQ ;+:yfx?sf] ljQLo kx'Frsf] cj:yf, :t/ j[l4, dh{/k|flKt tyf
;+rfng ;DaGwdf cWoog u/L cfjZos gLltut Joj:yf ul/g] / o:tf]
Joj:yf geP;Ddsf nflu n3'ljQ ;+:yf :yfkgf Pjd\ ljQLo sf/f]af/ ug{
Ohfhtkqsf] nflu cfj]bg lng] sfo{ :yug ul/Psf] .
24 g]kfn /fi6 a}+s

45. !#! ljQLo ;]jfsf] kx'Fr sd /x]sf dgf, x'Dnf, h'Dnf, 8f]Nkf, sflnsf]6, d'u', @)&#)^!! df ;"rgf hf/L ul/Psf] .
hfh/sf]6, aemf, afh'/f / bfr'{nf lhNnfdf k|wfg sfof{no :yfkgf u/L pQm
!) lhNnf sfo{If]q /xg] n3'ljQ ;+:yf :yfkgfsf] nflu ljBdfg Ohfht
gLltnfO{ oyfjt /flvPsf] .
46. !#@ /fli6o :t/sf] yf]s shf{ k|bfg ug]{ n3'ljQ ;+:yfx?n] @)&% c;f/ @)&#)%)* df kl/kq hf/L ul/Psf] . @)&$ h]7 d;fGtdf pQm
d;fGt;Dd Go"gtd r'Qmf k"FhL ?= ^) s/f]8 sfod ug'{kg]{ Joj:yf ul/Psf] . ;+:yfx?sf] s'n r'Qmf k"FhL ?= ! ca{ %) s/f]8 /x]sf] .
47. !## n3'ljQ ;+:yfx?af6 k|jfx x'g] shf{ ;Ldf lgDg cg';f/ sfod ul/Psf] M @)&#)%)* df kl/kq hf/L ul/Psf] / o; cg'?k cg'udg
-s_ ljkGg tyf Go"g cfo ePsf JolQmnfO{ ;fd'lxs hdfgLdf n3'pBd jf eO/x]sf] .
Joj;fo ;~rfng ug{ k|lt ;d"x ;b:o ?= ! nfvaf6 ?= # nfv /
ljut b'O{ jif{b]lv shf{ pkof]u u/L c;n ju{df k/]sf ;d"x ;b:osf]
xsdf ?= # nfvaf6 ?= % nfv .
-v_ gjLs/0fLo pmhf{ k|ljlw cGtu{t ;f]nf/ l;:6d /jf afof]Uof;
k|of]hgsf] nflu k|lt kl/jf/ ?= ^) xhf/af6 ?= @ nfv .
-u_ ljkGg tyf Go"g cfo ePsf JolQmnfO{ lwtf] lnO{ n3'pBd jf
Joj;fo ;~rfng ug{ k|lt ;d"x ;b:o ?= # nfvaf6 ?= % nfv /
ljut b'O{ jif{b]lv shf{ pkof]u u/L c;n ju{df k/]sf ;d"x ;b:osf]
xsdf ?= % nfvaf6 ?= & nfv .
-3_ a}+s tyf ljQLo ;+:yf gePsf uf=lj=;=x?df n3'ljQ ;+:yfx?af6
:jLsf/of]Uo lwtf] lnO{ ;d"xdf cfa4 ePsf tyf gePsf JolQmx?nfO{
n3'pBd ;~rfng ug{ ?= & nfvaf6 ?= !) nfv .
-_ ;d"xdf cfj4 gePsf ljkGg tyf Go"g cfo ePsf JolQmnfO{ lwtf] lnO{
?= ^) xhf/af6 ?= # nfv .
48. !#$ lgwf{l/t k'FhLsf]if sfod gug]{ n3'ljQ ;+:yfx?nfO{ zL3| ;'wf/fTds sf/afxL o; ;DaGwL zL3| ;'wf/fTds sf/afxL ljlgodfjnL nfu" eO;s]sf] .
ug]{ ;DaGwdf 5'} gLltut Joj:yf ul/g] .
49. !#% hg;fwf/0fnfO{ ljQLo ;]jfsf] pkof]u ug{sf nflu k|f]T;fxg ug{, ljQLo ljQLo ;fIf/tf gLltsf] d:of}bf :jLs[ltsf] nflu g]kfn ;/sf/, cy{
;]jfsf u|fxsx?sf] lxt ;+/If0f ug{ tyf ljQLo ;dfj]zLs/0f a9fpg g]kfn dGqfnodf k]z ul/Psf] .
;/sf/af6 /fli6o ljQLo ;fIf/tf gLlt :jLs[t ePkZrft\ ;f] cg';f/sf] sfo{
cufl8 a9fOg] .
50. !#^ nlIf0f sf]l/of, Oh/fon, ci6]lnof nufotsf b]zaf6 cfk|jfx x'g'kg]{ ljk|]if0f klxnf] r/0fdf blIf0f sf]l/ofsf] nflu g]kfn ;/sf/ cy{ dGqfnoaf6
/sdsf] clwstd\ c+z a}ls k|0ffnLaf6 leq\ofpg] ;DaGwdf cfjZos cfjZos gLltut Joj:yf ug{ @)&# df3df sld6L u7g eO{ sfo{
gLltut Joj:yf ul/g] . cl3 a9]sf] .

51. !#& ef/t afx]s t];|f] d'n'sx?af6 8f66L=6L=sf] dfWodaf6 j:t' cfoft ubf{ @)&#)$@* df kl/kq hf/L ul/Psf] .
Ps k6sdf a9Ldf cd]l/sL 8n/ $) xhf/ a/fa/;Ddsf] kl/jTo{ ljb]zL
d'b|f e'QmfgL lbg kfOg] Joj:yf /x]sf]df ;f] ;Ldfdf j[l4 u/L cd]l/sL 8n/
%) xhf/ sfod ul/g] .
52. !#* ef/taf6 kl/jTo{ ljb]zL d'b|f e'StfgL x'g] u/L ;6j]o/ vl/b ug{'k/]df xfn @)&#)$@# df kl/kq hf/L ul/Psf] .
Psk6sdf a9Ldf cd]l/sL 8n/ !) xhf/ ;Ldf /x]sf]df o;nfO{ j[l4 u/L
cd]l/sL 8n/ !% xhf/;Ddsf] ;6j]o/ Pn=;L=dfkm{t\ cfoft ug{ kfpg]
Joj:yf ul/g] .
53. !#( o; a}+sdf k|ToIf j}b]lzs nufgLsf] n]vfg clgjfo{ ?kdf cBfjlws ug'{kg]{ k|ToIf j}b]lzs nufgLsf] n]vfg ug]{ ;DaGwdf @)&#!@#! Dff
Joj:yf ul/g] . ;fj{hlgs ;"rgf hf/L ul/Psf] .
54. !$) Ohfhtkq k|fKt ;+:yfx?nfO{ sf/f]af/sf] ljj/0f k]z ug{ a}+ssf] sfof{nodf @)&$)@)! df ;fj{hlgs ;"rgf hf/L ul/Psf] .
cfO{ ljj/0f a'emfpg' kg]{ Joj:yfn] ;]jfu|fxLnfO{ k/]sf] sl7gfO{nfO{ ;dfwfg
tyf Jojl:yt ug]{ p2]Zon] Ohfhtkq k|fKt JolQm;+:yfaf6 cgnfOg
tYof lng] Joj:yf ul/g] .
55. !$! ljk|]if0f Joj;fodf ;+nUg ;+:yfx?n] qmdzM lgDg adf]lhd Go"gtd r'Qmf @)&#)%)% df kl/kq hf/L ul/Psf] .
k'FhL sfod ug'{kg]{ Joj:yf ul/Psf] .
-s_ /]ld6\ofG; sf8{ hf/L ug]{ sDkgLsf] xsdf ?= @% s/f]8 .
-v_ lk|lG;kn sDkgL eO{ sf/f]af/ ug]{ ljk|]ifs kmd{, sDkgL jf ;+:yfn] ?= %
s/f]8af6 ?= !) s/f]8 .
-u_ ljb]zl:yt lk|lG;kn sDkgLsf] Ph]G6 eO{ ljk|]if0fsf] sf/f]af/ ug]{ kmd{,
sDkgL jf ;+:yfn] ?= ! s/f]8af6 ?= @ s/f]8 .
56. !$@ dlgr]~h/ Joj;fodf ;+nUg ;+:yfx?n] qmdzM lgDg adf]lhd Go"gtd r'Qmf @)&#)%)% df kl/kq hf/L ul/Psf] .
k'FhL sfod ug'{kg]{ Joj:yf ul/Psf] .
-s_ ef/tLo ?k}ofF vl/blaqmL sf/f]af/sf nflu ?= % nfvnfO{ oyfjt .
-v_ kl/jTo{ ljb]zL d'b|fsf] vl/b sf/f]af/sf nflu ?= !) nfvaf6 ?= !%
nfv .
-u_ pk/f]Qm b'a} sf/f]af/ ug]{ ;+:yfsf nflu ?= !% nfvaf6 ?= @) nfv .
57. !$# kl/jTo{ ljb]zL d'b|fdf vftf x'g] g]kfnLn] cfgf] vftfaf6 j:t' tyf ;]jf @)&#)$@# df kl/kq hf/L ul/Psf] .
vl/b ug]{ k|of]hgsf nflu jflif{s cd]l/sL 8n/ !% xhf/;Dd e'QmfgL lbg
;Sg] Joj:yf ul/g] .
26 g]kfn /fi6 a}+s

58. !$$ sf8{sf] k|rng a9\b} uPsf] / ljb]zL ko{6sx?n] klg To:tf sf8{ NofO{ o; ;DaGwL cWoog sfo{ ;dfKt eO{ k|ltj]bg tof/ ug]{ sfo{
;f]af6 g]kfnL ?k}ofFdf ;6xL ln+bf dlgr]~h/x?n] klg kf]OG6 ckm ;]n eO/x]sf] .
(PoS) dfkm{t\ sf8{af6 ;6xL lbg ;Sg] Joj:yfsf ;DaGwdf cWoog ul/g] .
59. !$% kl/jTo{ ljb]zL d'b|fsf] dfunfO{ b[li6ut u/L vl/bb/ dfq pNn]v x'g] ljb]zL @)&#)$@$ df kl/kq hf/L ul/Psf] .
d'b|fx?sf] vl/bb/ / laqmLb/ b'a} tf]sL laqmL ug]{ Joj:yf ldnfOg] .
60. !$^ >d :jLs[lt lnO{ sfo{ ul//x]sf ljb]zL gful/sx?n] kl/jTo{ ljb]zL d'b|fdf @)&#)%@# df kl/kq hf/L ul/Psf] .
t];|f] d'n'sdf kfl/>lds k7fpg' kbf{ tf]lsP adf]lhdsf] sfuhft lnO{ tf]lsP
adf]lhdsf] /sd a}+s tyf ljQLo ;+:yfx?af6 ;f]em} e'QmfgL ug]{ Joj:yf
ldnfOg] .
61. !$& j}b]lzs /f]huf/ artkqsf] af/]df hgr]tgf hufO{ ;f] artkqsf] laqmL o; ;DaGwL k|j4{gfTds sfo{ ;DkGg ePsf] .
k|j4{g ug{ a9L ;+Vofdf g]kfnLx? j}b]lzs /f]huf/df /x]sf k|d'v d'n'sx?df
g]kfn ;/sf/sf ;DalGwt lgsfo, laqmL Ph]06sf ljb]zl:yt sfof{nox?
tyf /]ld6\ofG; sDkgLx? nufotsf] ;dGjodf r]tgfd"ns k|j4{gfTds
sfo{qmd ;~rfng ul/g] .
cg';"rL #
df}lb|s ;j]{If0fsf] k|If]k0f
-?= s/f]8df_
@)&@ @)&# @)&$ @)&% jflif{s kl/ jt{g
df}l b |s of]u f c k|
c ;f/ c ;f/ c ;f/ c ;f/ @)&@&# @)&#&$ @)&$ &%
/ sd k|l tzt / sd k|l tzt / sd k|l tzt
1/ 2/
!= v'b j}b ]lzs ;DklQ 74728.7 95602.2 99938.8 103538.8 18895.3 25.3 6900.0 7.2 3600.0 3.6
!=! j}b ]lzs ;DklQ 84767.9 106983.1 112047.6 117146.3 22215.2 26.2 5064.5 4.7 5098.7 4.6
!=@ j}b l] zs bfloTj 10039.2 11380.9 12108.8 13607.5 1341.7 13.4 728.0 6.4 1498.7 12.4
s= ljb]zL d'b f| lgIf]k 9439.6 10938.3 11768.1 13251.3 1498.8 15.9 829.8 7.6 1483.2 12.6
v= cGo j}b l] zs bfloTj 599.6 442.5 340.7 356.2 -157.1 -26.2 -101.8 -23.0 15.5 4.5
1/ 2/
@= v'b cfGtl/s ;DklQ 113051.4 128855.7 160432.4 203699.2 17782.4 15.7 29013.3 22.5 43266.8 27.0
@=! s'n cfGtl/s shf{ 152734.5 180569.5 218513.5 279213.1 27835.0 18.2 37944.1 21.0 60699.6 27.8
s= ;/sf/nfO{ uPsf] v'b shf{ 12721.1 8775.9 12839.0 32839.0 -3945.2 -31.0 4063.1 46.3 20000.0 155.8
c= ;/sf/dflysf] bfjL 16102.5 20277.8 24839.0 32839.0 4175.3 25.9 4561.3 22.5 8000.0 32.2
cf= ;/sf/L lgIf]k 3381.3 11501.9 12000.0 0.0 8120.6 240.2 498.1 4.3 - -
v= u}/+ ljQLo ;/sf/L ;+:yfx?nfO{ uPsf] shf{ 1010.1 822.7 831.3 839.6 -187.4 -18.6 8.6 1.0 8.3 1.0
u= ljQLo ;+:yfx?nfO{ uPsf] shf{ 1608.8 1744.4 1771.4 1848.4 135.6 8.4 27.1 1.6 76.9 4.3
c= ;/sf/L 326.0 341.4 347.5 396.0 15.4 4.7 6.1 1.8 48.5 14.0
cf= u}/ ;/sf/L 1282.8 1402.9 1423.9 1452.4 120.1 9.4 21.0 1.5 28.4 2.0
3= lghL If]qnfO{ uPsf] shf{ 137394.5 169226.5 203071.7 243686.1 31832.0 23.2 33845.3 20.0 40614.3 20.0
1/ 2/
@=@ v'b cdf}lb|s bfloTj 39683.1 51713.8 58081.1 75513.9 10052.6 25.3 8930.8 17.3 17432.8 30.0
#= lj:t[t d'b |f k|b fo -Pd@_ 187780.2 224457.9 260371.1 307237.9 36677.7 19.5 35913.3 16.0 46866.8 18.0
#=! d'b |f k|b fo -sv_, Pd! 137604.9 163448.2 167225.3 181730.6 25843.3 18.8 3777.1 2.3 14505.4 8.7
s= d'b f| k|b fo -Pd!_ 42474.5 50328.7 56368.2 65330.7 7854.2 18.5 6039.5 12.0 8962.5 15.9
d'b f| 27008.0 32748.3 38315.5 44254.4 5740.2 21.3 5567.2 17.0 5938.9 15.5
rNtL lgIf]k 15466.4 17580.4 18052.7 21076.3 2114.0 13.7 472.3 2.7 3023.6 16.7
v= art tyf sn lgIf]k 95130.4 113119.5 110857.1 116399.9 17989.1 18.9 -2262.4 -2.0 5542.9 5.0
#=@= cfjlws lgIf]k 50175.3 61009.7 93145.9 125507.3 10834.4 21.6 32136.2 52.7 32361.4 34.7
$= lj:t[t df}lb|s t/ntf -Pd#_ 197219.7 235396.2 272139.3 320489.3 38176.5 19.4 36743.1 15.6 48350.0 17.8
c cg'dfg
k| k|If]lkt
1/ ljb]zL ljlgdo b/ d"Nofg gfkmf ?= !(&*=!$ s/f]8 ;dfof]hg
2/ ljb]zL ljlgdo b/ d"Nofg gf]S;fg ?= @%^#=$$ s/f]8 ;dfof]hg
28 g]kfn /fi6 a}+s
tflnsf ;"r L
tflnsf ! s'n ufx{:Yo pTkfbg -@)%&%* sf] d"Nodf_

tflnsf @ s'n ufx{:Yo pTkfbg -k|rlnt d"Nodf_
tflnsf # s'n /fli6o cfo tyf art
tflnsf $ /fli6o pkef]Qmf d"No ;"rsf -@)&!&@ = !))_
tflnsf % df}lb|s ;j]{If0f
tflnsf ^ df}lb|s ;j]{If0f -jflif{s ljGb'ut_
tflnsf & Aofhb/ ;+/rgf
tflnsf * ;f]em} laqmL / vl/b af]nsaf]n
tflnsf ( l/kf] / l/e;{ l/kf] af]nsaf]n
tflnsf !) lgIf]k ;+sng af]nsaf]n
tflnsf !! Aofhb/ sl/8f]/
tflnsf !@ ;/sf/L ljQ l:ylt -gub k|jfxdf cfwfl/t_
tflnsf !# g]kfn ;/sf/sf] s'n cfGtl/s C0f
tflnsf !$ g]kfn ;/sf/sf] v'b cfGtl/s C0f
tflnsf !% j}b]lzs Jofkf/
tflnsf !^ zf]wgfGt/ l:ylt
tflnsf !& a}ls If]q;Fu /x]sf] s'n ljb]zL ljlgdo ;l~rlt
tflnsf !* ljb]zL d'b|fsf] vl/blaqmL
tflnsf !
s'n ufx{:Yo pTkfbg
-@)%&%* sf] d"Nodf_
?= s/f]8 df k|l tzt kl/jt{g
lzif{s ;+ k|f + ;+ k|f
2 068/69 2 069/70 2 070/71 2 071/72 2 072 /73 2 073/74 2 069/70 2 070/71 2 071/72 2 072 /73 2 073/74
s[l if 22, 47 3 . 0 22, 7 1 9. 3 23 , 7 52. 2 24, 01 3 . 8 24, 020. 6 25, 290. 1 1.1 4.5 1.1 0.0 5.3
s[lif tyf jg 22,095.0 22,331.0 23,344.8 23,577.5 23,533.0 24,769.1 1.1 4.5 1.0 -0.2 5.3
dT:okfng 378.1 388.3 407.4 436.2 487.5 521.0 2.7 4.9 7.1 11.8 6.9
u}/ s[l if 41 , 663 . 1 43 , 7 49. 6 46, 553 . 5 48, 3 65. 5 48, 441 . 5 52, 1 91 . 7 5.0 6.4 3.9 0.2 7.7
pBf]u 9, 81 1 . 2 1 0, 07 3 . 3 1 0, 7 84. 0 1 0, 93 9. 9 1 0, 246. 6 1 1 , 3 62. 1 2 .7 7.1 1.4 - 6.3 10.9
vfgL tyf pTvgg 277.0 282.5 315.9 323.3 314.3 340.1 2.0 11.9 2.3 -2.8 8.2
pTkfbg pBf]u 4,344.5 4,505.9 4,788.8 4,806.8 4,422.3 4,851.0 3.7 6.3 0.4 -8.0 9.7
ljB't, Uof; tyf kfgL 1,469.0 1,473.1 1,521.3 1,533.1 1,419.6 1,603.7 0.3 3.3 0.8 -7.4 13.0
lgdf{0f 3,720.7 3,811.9 4,158.0 4,276.6 4,090.4 4,567.2 2.5 9.1 2.9 -4.4 11.7
;]j f 3 1 , 852. 0 3 3 , 67 6. 3 3 5, 7 69. 4 3 7 , 425. 7 3 8, 1 94. 9 40, 829. 6 5.7 6.2 4.6 2 .1 6.9
yf]s tyf v'bf| Jofkf/ 7,896.7 8,469.3 9,391.8 9,619.1 9,374.9 10,289.8 7.3 10.9 2.4 -2.5 9.8
xf]6n tyf /]i6'/G] 6 1,100.0 1,160.5 1,239.1 1,280.4 1,156.4 1,238.3 5.5 6.8 3.3 -9.7 7.1
oftfoft, e08f/0f tyf ;+rf/ 6,216.0 6,691.5 7,042.0 7,480.7 7,631.4 8,127.3 7.7 5.2 6.2 2.0 6.5
ljQLo dWo:ytf 2,707.1 2,682.5 2,781.8 2,862.6 3,107.5 3,316.2 -0.9 3.7 2.9 8.6 6.7
3/ hUuf, ef8f tyf Jofj;flos ;]jfx? 5,034.6 5,296.1 5,488.9 5,531.3 5,737.3 6,039.9 5.2 3.6 0.8 3.7 5.3
;fj{hlgs k|zf;g tyf /Iff 1,120.3 1,182.2 1,241.8 1,351.6 1,385.7 1,519.3 5.5 5.0 8.8 2.5 9.6
lzIff 4,201.9 4,450.5 4,664.6 4,902.1 5,247.3 5,468.2 5.9 4.8 5.1 7.0 4.2
:jf:Yo tyf ;fdflhs sfo{ 959.1 1,002.1 1,047.2 1,166.2 1,204.1 1,283.3 4.5 4.5 11.4 3.2 6.6
cGo ;fd'bflos, ;fdflhs tyf JolQmut ;]jfx? 2,616.3 2,741.6 2,872.2 3,231.7 3,350.3 3,547.3 4.8 4.8 12.5 3.7 5.9
s'n d"N o clej[l 4 -ck|T oIf ljQLo dWo:ytf;lxt_ 64, 1 3 6. 2 66, 469. 0 7 0, 3 05. 7 7 2, 3 7 9. 3 7 2, 462. 1 7 7 , 481 . 8 3.6 5.8 2 .9 0.1 6.9
ck|ToIf ljQLo dWo:ytf 2,672.5 2,691.9 2,883.0 2,952.4 3,027.7 3,228.0 0.7 7.1 2.4 2.5 6.6
s'n d"N o clej[l 4 -cfwf/e"t d"N odf_ 61 , 463 . 7 63 , 7 7 7 . 1 67 , 422. 7 69, 426. 9 69, 43 4. 4 7 4, 253 . 9 3.8 5.7 3.0 0.0 6.9
pTkflbt j:t'df v"b s/ 5,564.3 6,018.3 6,552.8 7,006.6 7,314.7 8,251.0 8.2 8.9 6.9 4.4 12.8
s'n ufx{: Yo pTkfbg -pTkfbssf] d"N odf_ 67 , 027 . 9 69, 7 95. 4 7 3 , 97 5. 4 7 6, 43 3 . 6 7 6, 7 49. 2 82, 504. 9 4.1 6.0 3.3 0.4 7.5
;+ ;+zf]lwt cg'dfg
k|f k|f/lDes cg'dfg
;|f]tM s]Gb|Lo tYof ljefu
30 g]kfn /fi6 a}+s
tflnsf @
s'n ufx{:Yo pTkfbg
-k|rlnt d"Nodf_
?= s/f]8 df k|l tzt kl/jt{g
lzif{s + ;+ k|f + ;+ k|f
2 068/69 2 069/70 2 070/71 2 071/72 2 072 /73 2 073/74 2 069/70 2 070/71 2 071/72 2 072 /73 2 073/74
s[l if 5062 8.4 53451.5 59461.0 62 590.1 65557.1 702 75.7 5.6 11.2 5.3 4.7 7.2
s[lif tyf jg 50046.5 52786.9 58595.1 61657.2 64508.4 69116.9 5.5 11.0 5.2 4.6 7.1
dT:okfng 581.9 664.6 865.9 932.8 1048.7 1158.8 14.2 30.3 7.7 12.4 10.5
u}/ s[l if 93119.0 104591.2 12 2 756.3 134580.5 141634.6 168986.4 12 .3 17.4 9.6 5.2 19.3
pBf]u 2 1538.7 2 3992 .2 2 7172 .4 2 92 19.5 2 9341.0 35032 .5 11.4 13.3 7.5 0.4 19.4
vfgL tyf pTvgg 816.6 956.9 1100.3 1187.5 1225.6 1503.1 17.2 15.0 7.9 3.2 22.6
pTkfbg pBf]u 9116.4 10031.2 11299.5 11898.0 11861.5 13558.4 10.0 12.6 5.3 -0.3 14.3
ljB't, Uof; tyf kfgL 1751.8 2055.3 2136.2 2205.1 2122.1 2786.8 17.3 3.9 3.2 -3.8 31.3
lgdf{0f 9853.9 10948.8 12636.4 13928.9 14131.8 17184.2 11.1 15.4 10.2 1.5 21.6
;]j f 71580.3 80598.9 95583.8 105361.0 112 2 93.6 133953.9 12 .6 18.6 10.2 6.6 19.3
yf]s tyf v'bf| Jofkf/ 19816.4 22987.2 27157.3 28956.6 29220.4 32350.2 16.0 18.1 6.6 0.9 10.7
xf]6n tyf /]i6'/G] 6 2530.7 2988.6 3530.9 4047.9 4145.9 4739.0 18.1 18.1 14.6 2.4 14.3
oftfoft, e08f/0f tyf ;+rf/ 12235.4 14073.5 15576.5 16497.6 16740.5 19397.4 15.0 10.7 5.9 1.5 15.9
ljQLo dWo:ytf 5852.9 6218.3 7936.3 9140.6 10775.8 12923.2 6.2 27.6 15.2 17.9 19.9
3/ hUuf, ef8f tyf Jofj;flos ;]jfx? 12321.3 13915.7 15298.4 16694.7 19132.5 23698.6 12.9 9.9 9.1 14.6 23.9
;fj{hlgs k|zf;g tyf /Iff 3054.7 3223.6 4432.4 5142.2 5272.0 7179.6 5.5 37.5 16.0 2.5 36.2
lzIff 8179.7 9156.6 11525.4 12936.3 14161.3 17308.4 11.9 25.9 12.2 9.5 22.2
:jf:Yo tyf ;fdflhs sfo{ 2043.1 2232.7 2772.5 3292.9 3370.8 4168.1 9.3 24.2 18.8 2.4 23.7
cGo ;fd'bflos, ;fdflhs tyf JolQmut ;]jfx? 5546.1 5802.6 7354.1 8652.1 9474.5 12189.5 4.6 26.7 17.6 9.5 28.7
s'n d"N o clej[l 4 -ck|T oIf ljQLo dWo:ytf;lxt_ 143747.4 158042 .6 182 2 17.3 197170.6 2 07191.7 2 392 62 .1 9.9 15.3 8.2 5.1 15.5
ck|ToIf ljQLo dWo:ytf 4999.2 5520.5 6343.5 7261.6 8409.3 9863.3 10.4 14.9 14.5 15.8 17.3
s'n d"N o clej[l 4 -cfwf/e"t d"N odf_ 138748.2 152 52 2 .1 175873.8 189908.9 198782 .4 2 2 9398.9 9.9 15.3 8.0 4.7 15.4
pTkflbt j:t'df v"b s/ 13986.2 16979.0 20580.2 23106.0 25960.3 30524.5 21.4 21.2 12.3 12.4 17.6
s'n ufx{: Yo pTkfbg -pTkfbssf] d"N odf_ 152 734.4
# VALUE! 169501.1 196454.0 2 13015.0 2 2 4742 .7 2 5992 3.4 11.0 15.9 8.4 5.5 15.7
;+ ;+zf]lwt cg'dfg
k|f k|f/lDes cg'dfg
tflnsf #
s'n /fli6o cfo tyf art
-k|rlnt d"Nodf_
?= s/f]8 df s'n ufx{: Yo pTkfbg;Fu cg'k ft
lzif{s
+ ;+ k|f ;+ k|f
2 068/69 2 069/70 2 070/71 2 071/72 2 072 /73 2 073 /74 2 071/72 2 072 /73 2 073 /74
s'n pkef]u 13 5953 .9 151612 .9 173 03 1.2 193 4 04 .6 2 16151.9 2 3 3 2 74 .1 9 0.8 9 6 .2 8 9 .7
;/sf/L If]q 16437.0 16840.7 20191.5 23253.2 25970.4 30473.8 10.9 11.6 11.7
lghL If]q 116786.1 131856.1 149337.5 166296.2 186115.7 198151.4 78.1 82.8 76.2
u}/ d'gfkmfsf/L ;+:yfx? 2730.7 2916.1 3502.2 3855.2 4065.9 4648.9 1.8 1.8 1.8
s'n nufgL 52 688.9 63 2 60.1 80875.8 83 198.3 75768.0 1104 96.2 39 .1 33.7 42.5
s'n l:y/ k"FhL nufgL 31718.5 38297.2 46201.3 59582.3 64729.4 87860.5 28.0 28.8 33.8
;/sf/L If]q 7155.5 7538.6 9497.9 11025.4 16050.2 18929.3 5.2 7.1 7.3
lghL If]q 24562.9 30758.6 36703.4 48556.8 48679.2 68931.2 22.8 21.7 26.5
:6s kl/jt{g 20970.4 24962.9 34674.4 23616.0 11038.6 22635.7 11.1 4.9 8.7
s'n cfGtl/s dfu 18864 2 .8 2 14 873 .0 2 53 907.0 2 76602 .9 2 91919.9 3 4 3 770.3 129 .9 129 .9 132.3
j:t' tyf ;]jf lgof{{t 15386.3 18118.0 22602.2 24756.5 21333.8 25363.8 11.6 9.5 9.8
j:t' tyf ;]jf cfoft 51294.8 63489.9 80055.2 88344.4 88511.0 109210.8 41.5 39.4 42.0
v""b j:t' tyf ;]jf lgof{{t -35908.4 -45371.9 -57453.1 -63587.9 -67177.2 -83846.9 -29.9 -29.9 -32.3
s'n ufx{: Yo pTkfbg 152 73 4 .4 169501.1 1964 54 .0 2 13 015.0 2 2 4 74 2 .7 2 5992 3 .4 100.0 100.0 100.0
v""b ;fwg cfo 1229.1 1307.9 3275.2 3424.3 3400.4 2778.5 1.6 1.5 1.1
s'n /fli6o cfo 153 963 .5 170809.0 19972 9.1 2 164 3 9.2 2 2 814 3 .1 2 62 701.9 101.6 101.5 101.1
v""b 6fG;\km/ 42277.2 49770.1 63150.0 70995.7 77818.7 84365.8 33.3 34.6 32.5
s'n /fli6o vr{o f]U o cfDbfgL 1962 4 0.7 2 2 0579.1 2 62 879.2 2 874 3 4 .9 3 05961.8 3 4 7067.7 13 4 .9 13 6.1 133.5
s'n ufx{: Yo art 16780.5 17888.2 2 3 4 2 2 .7 19610.3 8590.7 2 664 9.3 9.2 3 .8 10.3
s'n /fli6o art 602 86.8 68966.2 8984 7.9 94 03 0.2 89809.8 113 793 .6 4 4 .1 4 0.0 43.8
;+ ;+zf]lwt cg'dfg
k|f k|f/lDes cg'dfg
32 g]kfn /fi6 a}+s
tflnsf $
/fli6o pkef]Qmf d"No ;"rsf
-cfwf/ jif{ M @)&!&@!))_
2 070/71 2 071/72 2 072 /73 2 073/74
dlxgf d"N o ;"r sf k|l tzt d"N o ;"r sf k|l tzt d"N o ;"r sf k|l tzt d"N o ;"r sf k|l tzt
kl/jt{g kl/jt{g kl/jt{g kl/jt{g
;fpg 92.7 7.9 99.6 7.5 106.5 6.9 115.7 8.6
ebf} 92.8 8.0 99.9 7.6 107.1 7.2 115.5 7.9
c;f]h 93.2 8.4 100.2 7.5 108.4 8.2 115.7 6.7
sflQs 93.6 10.0 100.4 7.2 110.9 10.4 116.1 4.8
d+l;/ 92.9 10.3 99.4 7.0 110.9 11.6 115.1 3.8
k'; 92.3 9.7 98.6 6.8 110.5 12.1 113.9 3.2
df3 92.2 8.8 98.7 7.0 109.8 11.3 113.4 3.3
kmfu'g 92.6 8.9 99.1 7.0 109.2 10.2 112.4 2.9
r}t 93.2 9.4 99.7 6.9 109.4 9.7 113.5 3.8
a}zfv 94.6 9.7 101.3 7.1 111.48 10.0 115.2 3.4
h]7 94.2 9.5 101.2 7.4 112.4 11.1 115.6 2.8
c;f/ 95.0 8.1 102.2 7.6 112.9 10.4
jflif{s 93.3 9.1 100.0 7.2 109.9 9.9 114.7* 4.6*
* P3f/ dlxgfsf] cf};t .
tflnsf %
df}lb|s ;j]{If0f
-?= s/f]8df_
kl/ jt{g - P3f/ dlxgf_
2072 2073 2073 2074 2 0 7 2 /7 3 2073/74
df}l b |s of]u f
c
c ;f/ h]7 c ;f/ h]7 / sd k|l tzt / sd k|l tzt
1/ 2/
!= v'b j}b ]l zs ;DklQ 74 , 728 .7 9 3, 9 74 .2 9 5 , 6 02.2 100, 4 6 5 .2 17, 115 .4 22.9 7, 4 26 .4 7.8
!=! j}b ]lzs ;DklQ 84,767.9 105,165.7 106,983.1 109,947.0 20,397.8 24.1 2,964.0 2.8
!=@ j}b ]lzs bfloTj 10,039.2 11,191.4 11,380.9 9,481.8 1,152.3 11.5 -1,899.0 -16.7
s= ljb]zL d'b f| lgIf]k 9,439.6 10,685.1 10,938.3 9,144.1 1,245.6 13.2 -1,794.3 -16.4
v= cGo j}b l] zs bfloTj 599.6 506.3 442.5 337.7 -93.3 -15.6 -104.8 -23.7
1/ 2/
@ = v'b c fGtl/ s ;DklQ 113, 05 1.4 120, 39 3.7 128 , 8 5 5 .6 14 9 , 9 9 7.7 9 , 4 72.5 8 .4 18 , 5 78 .6 14 .4
@=! s'n cfGtl/s shf{ 152,734.6 166,275.2 180,569.5 200,979.1 13,540.6 8.9 20,409.6 11.3
s= ;/sf/nfO{ uPsf] v'b shf{ 12,721.1 -603.2 8,775.9 -1,912.1 -13,324.4 -104.7 -10,688.0 -121.8
c= ;/sf/dflysf] bfjL 16,102.5 21,143.3 20,277.8 24,995.2 5,040.9 31.3 4,717.5 23.3
cf= ;/sf/L lgIf]k 3,381.3 21,746.6 11,501.8 26,907.3 18,365.3 543.1 15,405.5 133.9
v= u}/+ ljQLo ;/sf/L ;+:yfx?nfO{ uPsf] shf{ 1,010.1 929.0 822.7 831.6 -81.1 -8.0 8.9 1.1
u= ljQLo ;+:yfx?nfO{ uPsf] shf{ 1,608.9 1,888.1 1,744.4 2,253.7 279.3 17.4 509.3 29.2
c= ;/sf/L 326.1 341.4 341.4 448.6 15.3 4.7 107.2 31.4
cf= u}/ ;/sf/L 1,282.8 1,546.7 1,402.9 1,805.0 263.9 20.6 402.1 28.7
3= lghL If]qnfO{ uPsf] shf{ 137,394.5 164,061.3 169,226.5 199,805.8 26,666.8 19.4 30,579.3 18.1
1/ 2/
@=@ v'b cdf}lb|s bfloTj 39,683.1 45,881.5 51,713.8 50,981.4 4,068.2 10.3 1,831.0 3.5
#= lj:t[t d'b |f k|b fo - Pd@ _ 18 7, 78 0.2 214 , 36 8 .0 224 , 4 5 7.9 25 0, 4 6 2.9 26 , 5 8 7.8 14 .2 26 , 005 .0 11.6
#=! d'b |f k|b fo -sv_, Pd! 137,604.9 156,841.7 163,448.2 156,739.6 19,236.9 14.0 -6,708.6 -4.1
s= d'b f| k|b fo -Pd!_ 42,474.5 47,319.1 50,328.7 53,796.9 4,844.6 11.4 3,468.2 6.9
d'b f| 27,008.0 31,651.5 32,748.3 35,195.6 4,643.5 17.2 2,447.3 7.5
rNtL lgIf]k 15,466.4 15,667.5 17,580.4 18,601.4 201.1 1.3 1,020.9 5.8
v= art tyf sn lgIf]k 95,130.4 109,522.6 113,119.5 102,942.6 14,392.2 15.1 -10,176.8 -9.0
#=@= cfjlws lgIf]k 50,175.3 57,526.3 61,009.7 93,723.3 7,351.0 14.7 32,713.6 53.6
$ = lj:t[t df}l b |s t/ ntf - Pd#_ 19 7, 219 .7 225 , 05 3.1 235 , 39 6 .2 25 9 , 6 07.0 27, 8 33.4 14 .1 24 , 210.8 10.3
c
ckl/is[t
1/ ljb]zL ljlgdo b/ d"Nofg gfkmf ?=@!#)=!$ s/f]8 ;dfof]hg
2/ ljb]zL ljlgdo b/ d"Nofg gf]S;fg ?= @%^#=$$ s/f]8 ;dfof]hg
34 g]kfn /fi6 a}+s
tflnsf ^
df}lb|s ;j]{If0f
-jflif{s ljGb'ut_
-?= s/f]8df_
kl/ jt{g
2072 2073 2074 2 0 7 2 /7 3 2 073/74
df}l b |s of]u f
c
h]7 h]7 h]7 / sd k|l tzt / sd k|l tzt
!= v'b j}b ]l zs ;DklQ 73, 15 0. 6 9 3, 9 74 . 2 100, 4 6 5 . 2 2 0, 8 2 3. 6 28 .5 6 , 4 9 1. 0 6 .9
!=! j}b ]lzs ;DklQ 83,276.8 105,165.7 109,947.0 21,888.8 26.3 4,781.4 4.5
!=@ j}b ]lzs bfloTj 10,126.2 11,191.4 9,481.8 1,065.2 10.5 -1,709.6 -15.3
s= ljb]zL d'b f| lgIf]k 9,491.7 10,685.1 9,144.1 1,193.4 12.6 -1,541.1 -14.4
v= cGo j}b l] zs bfloTj 634.5 506.3 337.7 -128.2 -20.2 -168.5 -33.3
@ = v'b c fGtl/ s ;DklQ 107, 02 3. 3 12 0, 39 3. 7 14 9 , 9 9 7. 7 13, 370. 4 12 . 5 2 9 , 6 03. 9 24.6
@=! s'n cfGtl/s shf{ 145,337.5 166,275.2 200,979.1 20,937.7 14.4 34,703.9 20.9
s= ;/sf/nfO{ uPsf] v'b shf{ 6,598.8 -603.2 -1,912.1 -7,202.0 -109.1 -1,308.8 217.0
c= ;/sf/dflysf] bfjL 14,687.2 21,143.3 24,995.2 6,456.1 44.0 3,851.9 18.2
cf= ;/sf/L lgIf]k 8,088.5 21,746.6 26,907.3 13,658.1 168.9 5,160.7 23.7
v= u}/+ ljQLo ;/sf/L ;+:yfx?nfO{ uPsf] shf{ 979.7 929.0 831.6 -50.7 -5.2 -97.4 -10.5
u= ljQLo ;+:yfx?nfO{ uPsf] shf{ 1,435.2 1,888.1 2,253.7 452.9 31.6 365.6 19.4
c= ;/sf/L 266.8 341.4 448.6 74.6 27.9 107.2 31.4
cf= u}/ ;/sf/L 1,168.3 1,546.7 1,805.0 378.4 32.4 258.3 16.7
3= lghL If]qnfO{ uPsf] shf{ 136,323.9 164,061.3 199,805.8 27,737.4 20.3 35,744.5 21.8
@=@ v'b cdf}lb|s bfloTj 38,314.2 45,881.5 50,981.4 7,567.3 19.8 5,100.0 11.1
#= lj:t[t d'b |f k|b fo - Pd@ _ 18 0, 174 . 0 2 14 , 36 8 . 0 2 5 0, 4 6 2 . 9 34 , 19 4 . 0 19 . 0 36 , 09 4 . 9 16 . 8
#=! d'b |f k|b fo -sv_, Pd! 130,907.3 156,841.7 156,739.6 25,934.4 19.8 -102.1 -0.1
s= d'b f| k|b fo -Pd!_ 39,716.9 47,319.1 53,796.9 7,602.2 19.1 6,477.9 13.7
d'b f| 26,084.4 31,651.5 35,195.6 5,567.1 21.3 3,544.1 11.2
rNtL lgIf]k 13,632.5 15,667.5 18,601.4 2,035.1 14.9 2,933.8 18.7
v= art tyf sn lgIf]k 91,190.4 109,522.6 102,942.6 18,332.2 20.1 -6,580.0 -6.0
#=@= cfjlws lgIf]k 49,266.7 57,526.3 93,723.3 8,259.6 16.8 36,197.0 62.9
$ = lj:t[t df}l b |s t/ ntf - Pd#_ 18 9 , 6 6 5 . 7 2 2 5 , 05 3. 1 2 5 9 , 6 07. 0 35 , 38 7. 4 18 . 7 34 , 5 5 3. 8 15 . 4
c
ckl/is[t
tflnsf &
Aofhb/ ;+/rgf
-k|ltzt k|ltjif{_
jif{ 2072 2073 2073 2073 2073 2073 2074
dlxgf c ;f/ h]7 c ;f/ c ;f]h k'; r}t h]7
s= gLltut b /
clgjfo{ gub df}Hbft -;Lcf/cf/_
jfl0fHo a}+s 6.0 6.0 6.0 6.0 6.0 6.0 6.0
ljsf; a}+s 5.0 5.0 5.0 5.0 5.0 5.0 5.0
ljQ sDkgL 4.0 4.0 4.0 4.0 4.0 4.0 4.0
a}+s b/ 8.0 7.0 7.0 7.0 7.0 7.0 7.0
k'g/shf{ b/
ljz]if k'g/shf{ 1.0 1.0 1.0 1.0 1.0 1.0 1.0
;fwf/0f k'g/shf{ 4.0 4.0 4.0 4.0 4.0 4.0 4.0
lgof{tsf] nflu ljb]zL d'b|fdf lbOg] shf{ nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25 nfOaf]/ + 0.25
^
:yfoL t/ntf ;'ljwf Aofhb/ 8.0 7.0 7.0 7.0 7.0 7.0 7.0
v= ;/sf/L ;]S o"l /6L
*
6]h/L laN; -@* lbg]_ - - - - - - -
*
6]h/L laN; -(! lbg]_ 0.17 0.12 0.05 2.12 1.74 0.93 1.03
*
6]h/L laN; -!*@ lbg]_ 0.56 0.44 0.33 2.30 2.23 1.45 2.02
*
6]h/L laN; -#^$ lbg]_ 0.76 0.67 0.72 2.74 2.70 2.31 2.10
ljsf; C0f kq 2.65-9.5 2.65-9.0 2.65-9.0 2.65-9.0 2.65-9.0 2.65-9.0 2.65-9.0
/fli6o/gful/s art kq 6.0-10.0 6.0-10.0 6.0-10.0 6.0-10.0 6.0-10.0 6.0-10.0 6.0-10.0
u= cGt/ a}+s sf/f]a f/ b/ -jfl0fHo a}+s _ 1 .0 1 0 .3 6 0 .69 3 .2 7 2 .7 1 0 .7 5 2 .4 6
3= efl/t cf}; t lgIf]k Aofhb/ -jfl0fHo a}+s _ 3 .94 3 .0 9 3 .2 8 3 .3 0 3 .98 5.0 8 5.91
= efl/t cf}; t shf{ Aofhb/ -jfl0fHo a}+s _ 9.62 8.98 8.86 8.62 9.3 1 1 0 .7 7 1 1 .2 9
r= cfwf/ Aofhb/ -jfl0fHo a}+s _ 7 .88 6.2 7 6.54 6.4 3 7 .1 0 8.60 9.4 0
^
@)^( ebf}+ ! ut]b ]lv a}+s b/d} :yfoL t/ntf ;'ljwf k|b fg ug{ yflnPsf] .
* efl/t cf};t Aofh b/
36 g]kfn /fi6 a}+s
tflnsf *
;f]e}m laqmL / vl/b af]nsaf]n
-?= s/f]8df_
laqmL af]n saf]n vl/b af]n saf]n
dlxgf @)&!&@ @)&@&# @)&#&$ @)&!&@ @)&@&# @)&#&$
Aofh b/ * Aofh b/ * Aofh b/ * Aofh b/ * Aofh b/ * Aofh b/ *
/sd /sd /sd /sd /sd /sd
-k|l tzt_ -k|l tzt_ -k|l tzt_ -k|l tzt_ -k|l tzt_ -k|l tzt_
;fpg - - 590.0 1.1 - - - - - - - -
ebf} - - 320.0 2.9 - - - - - - - -
c;f]h - - - - - - - - - - - -
sflQs - - - - - - - - - - - -
d+l;/ - - - - - - - - - - - -
k'; - - - - - - - - - - - -
df3 - - - - - - - - - - 916.8 3.8
kmfu'g - - - - - - - - - - 1,862.0 0.8
r}t - - - - - - - - - - - -
a}zfv 600.0 0.8 - - - - - - - - - -
h]7 - - - - - - - - - - - -
c;f/ - - - - - - - -
s'n hDdf 600.0 0.8 910.0 1.7 2 ,778.8

tflnsf (
l/kf] / l/e;{ l/kf] af]nsaf]n
-?= s/f]8df_
l/kf] af]n saf]n -& lbg]_ l/e;{ l/kf] af]n saf]n
dlxgf @)&!&@ @)&@&# @)&#&$ @)&!&@ @)&@&# @)&#&$

Aofh b/ * Aofh b/ * Aofh b/ * Aofh b/ * Aofh b/ * Aofh b/ *
/sd /sd /sd /sd /sd /sd
-k|l tzt_ -k|l tzt_ -k|l tzt_ -k|l tzt_ -k|l tzt_ -k|l tzt_
;fpg - - - - - - 9,950.0 0.0 1,300.0 0.72 2,745.0 0.43
ebf} - - - - - - 6,850.0 0.05 830.0 1.30 2,610.0 2.49
c;f]h - - - - 1,000.0 3.06 1,900.0 0.11 3,500.0 0.22 520.0 2.45
sflQs - - - - - - 1,100.0 0.03 2,000.0 0.21 200.0 2.41
d+l;/ - - - - - - 2,250.0 0.05 900.0 0.13 200.0 2.21
k'; - - - - - - 4,000.0 0.01 1,205.0 0.04 150.0 1.27
df3 - - - - 1,781.0 5.68 975.0 0.17 4,000.0 0.11 - -
kmfu'g - - - - - - 85.0 0.40 2,542.0 0.17 - -
r}t - - - - - - 270.0 0.04 227.0 1.08 - -
a}zfv - - - - - - 600.0 0.32 591.0 0.41 - -
h]7 - - - - - - 1,100.0 0.26 4,000.0 0.07 - -
c;f/ - - - - 2,500.0 0.02 2,500.0 0.00
s'n hDdf - - - - 2 781 31,580.0 0.05 2 3,595.0 0.2 1 6,42 5.0

38 g]kfn /fi6 a}+s
tflnsf !)
lgIf]k ;+sng af]nsaf]n -() lbg]_
-/sd ?= s/f]8df_
@)&!&@ @)&@&# @)&#&$
dlxgf
/sd Aofhb/ * -k|l tztdf_ /sd Aofhb/ * -k|l tztdf_ /sd Aofhb/* -k|l tztdf_
;fpg - - 5,725.0 1.39 500.0 1.39
ebf} 2,000.0 0.69 - - 5.0 2.60
c;f]h 2,000.0 0.67 - - - -
sflQs - - 10,000.0 0.87 - -
d+l;/ 1,500.0 0.21 2,615.0 1.08 - -
k'; 2,000.0 0.20 1,500.0 0.81 200.0 1.60
df3 500.0 0.69 6,000.0 0.48 - -
kmfu'g 500.0 0.86 3,910.0 0.39 - -
r}t 1,000.0 0.72 - - - -
a}zfv 1,000.0 0.79 - - - -
h]7 - - - - - -
c;f/ 5,000.0 0.24 - -
s'n 15,500.0 0.45 29,750.0 705.0
tflnsf !!
Aofhb/ sl/8f]/
-?= s/f]8df_
lgIf]k ;+s ng af]n saf]n -!$ lbg]_ l/kf] af]n saf]n -!$ lbg]_
dlxgf @)&#&$ @)&#&$
Aofh b/ * Aofh b/ *
/sd /sd
-k|l tzt_ -k|l tzt_
;fpg 1645.0 0.3 - -
ebf} 1000.0 2.1 1.0 3.7
c;f]h - - - -
sflQs - - - -
d+l;/ - - - -
k'; 335.0 0.9 539.0 4.9
df3 - - - -
kmfu'g - - - -
r}t - - - -
a}zfv - - - -
h]7 - - - -
c;f/** 1395.0 0.6
s'n hDdf 4 375.0 54 0.0

** c;f/ @@ ut] ;Dd .
40 g]kfn /fi6 a}+s
tflnsf !@
;/sf/L ljQ l:ylt
-gub k|jfxdf cfwfl/t_
-c;f/ t];|f] xKtfsf] tYofdf cfwfl/t_
-?=s/f]8df_
2 071/72 2 072 /73 2 073 /74 c k|l tzt kl/jt{g
zLif{s
2 072 /73 2 073 /74
c;f/ !* c;f/ !& c;f/ !^
ah]6 sf] vr{ 4 1855.1 4 2 4 64 .9 62 975.2 1.5 4 8.3
rfn" 2 883 7.0 3 02 98.0 4 3 070.3 5.1 4 2 .2
s= cfGtl/s ;fwg 26844.1 27865.2 39680.2 3.8 42.4
v= j}b ]lzs C0f 306.0 700.1 1576.5 128.8 125.2
u= j}b ]lzs cg'b fg 1687.0 1732.7 1813.5 2.7 4.7
k'Fh Lut 53 2 3 .0 64 4 9.5 12 081.6 2 1.2 87.3
s= cfGtl/s ;fwg 4411.1 5513.4 9664.7 25.0 75.3
v= j}b ]lzs C0f 631.3 526.4 1626.9 -16.6 209.1
u= j}b ]lzs cg'b fg 280.6 409.7 790.0 46.0 92.8
ljQLo Joj:yf 7695.1 5717.4 782 3 .3 - 2 5.7 3 6.8
s= cfGtl/s ;fwg 7291.7 5287.9 7616.8 -27.5 44.0
v= j}b ]lzs C0f 313.6 397.0 173.7 26.6 -56.2
u= j}b ]lzs cg'b fg 89.7 32.6 32.9 - -
s'n vr{ 4 1855.1 4 2 4 64 .9 62 975.2 1.5 4 8.3
s'n ;fwg 4 2 118.7 4 8006.4 62 4 99.3 14 .0 3 0.2
/fh:j tyf cg'b fg 3 94 53 .8 4 54 2 4 .8 55865.3 15.1 2 3 .0
/fh:j 36368.2 42087.4 54476.5 15.7 29.4
j}b ]lzs cg'b fg 3085.6 3337.3 1388.9 8.2 -58.4
u}/ ah]]6/L cfo, v'b 973.3 787.2 1763.6 -19.1 124.1
cGo cfo 3.4 43.7 -99.4 1177.2 -327.7
d'=c=s= sf]if vftf 128.1 170.3 128.5 32.9 -24.5
eG;f/ sf]]if vftf 92.5 33.6 151.1 -63.7 349.6
k'g{lgdf{0f sf]]if vftf - - 1,828.7 - -
# 1467.6 1546.9 2861.5 5.4 85.0
:yfgLo lgsfo vftf
ah]6 art3f6f -_ 2 63 .6 554 1.6 - 4 75.9 2 002 .3 - 108.6
Go"g Joxf]l /g] >f]t x? - 2 63 .6 - 554 1.6 4 75.9 2 002 .3 - 108.6
cfGtl/s C0f -1398.1 -9620.4 -4375.2 588.1 -54.5
cfGtl/s ;fk6L 4233.9 8766.2 8133.8 107.0 -7.2
s= 6]h/L laN; 1000.0 2050.0 3300.0 - -
v= ljsf; C0fkq 3000.0 6200.0 4800.0 - -
u= /fli6o artkq 0.0 0.0 0.0 - -
3= gful/s artkq 233.9 500.0 28.6 - -
= j}b]lzs /f]huf/L artkq 0.0 16.2 5.2 - -
clwljsif{ ++ -5626.0 -18366.1 -12428.1 226.5 -32.3
cGo @ -6.1 -20.5 -80.9 238.8 294.5
ljQLo Joj:yf 607.1 1275.7 174.0 110.1 -86.4

a}b ]lzs C0f 527.4 2803.1 4677.1 431.5 66.9
+
k|:t't tYof ;/sf/L sf/f]jf/ ug]{ g]k fn /fi6 a}+ssf * sfof{no, /fli6o jfl0fHo a}+ssf ^( zfvf, g]k fn a}+ssf $( zfvf, s[lif ljsf; a}+ssf @@ j6f zfvfx?, Pe/]i6 a}+ssf ( zfvf,
#
uf=lj=;= tyf lh=lj=;= nfO{ ljt/0f ePsf] /sd dWo] vr{ geO{ afFsL /x]sf] kl/at{g .
++
C0ffTds lrGX --_ n] art hgfpF5 .
@
g]k fn ;/sf/sf] sf/f]jf/af6 cflh{t Aofh tyf cGo .
c
ckl/is[t
tflnsf !#
g]kfn ;/sf/sf] s'n cfGtl/s C0f
-?= s/f]8df_
2 072 2 073 2 074 / sd kl/ jt{g
l;=g+= C 0fkqx? tyf :jfldTj -c;f/ @)&# - -h]7 @)&$ -
c;f/ c;f/ h]7
c;f/ @)&@_ c;f/ @)&#_
! 6]h / L laN; 11985.8 11605.9 12 4 71.4 - 3 79.9 865.5
s= g]kfn /fi6 a}+s 1796.9 1610.0 4768.7 -186.9 3158.7
v= jfl0fHo a}+sx? 10072.9 9790.0 7667.4 -283.0 -2122.6
u= ljsf; a}+sx? 90.7 44.4 21.3 -46.3 -23.1
3= ljQ sDkgLx? 25.3 11.2 14.0 -14.2 2.9
= cGo 0.0 150.4 0.0 150.4 -150.4
@ ljsf; C 0fkq 5707.0 10890.0 14 3 90.0 5183 .0 3 500.0
s= g]kfn /fi6 a}+s 2.9 0.0 894.2 -2.9 894.2
v= jfl0fHo a}+sx? 3563.4 7906.4 10387.8 4343.0 2481.5
u= ljsf; a}+sx? 218.1 511.7 618.7 293.6 107.0
3= ljQ sDkgLx? 279.4 373.4 387.8 94.0 14.4
= cGo 1643.3 2098.6 2101.5 455.4 2.9
# / fli6o artkq 1658.6 90.6 90.7 - 1568.0 0.0
s= g]kfn /fi6 a}+s 2.1 0.1 16.8 -2.0 16.7
v= jfl0fHo a}+sx? 0.0 0.0 0.0 0.0 0.0
u= ljsf; a}+sx? 0.0 0.0 0.0 0.0 0.0
3= ljQ sDkgLx? 0.0 0.0 0.0 0.0 0.0
= cGo 1656.5 90.5 73.9 -1566.0 -16.6
$ gful/ s artkq 3 05.6 780.6 796.5 4 75.0 15.9
s= g]kfn /fi6 a}+s 50.8 30.8 217.3 -20.0 186.5
v= jfl0fHo a}+sx? 0.0 0.0 0.0 0.0 0.0
u= ljsf; a}+sx? 0.0 0.0 0.0 0.0 0.0
3= ljQ sDkgLx? 0.0 0.0 0.0 0.0 0.0
= cGo 254.9 749.9 579.2 495.0 -170.6
% a}b ]l zs / f]h uf/ artkq 2 1.5 4 8.6 53 .8 2 7.1 5.2
s= g]kfn /fi6 a}+s 0.0 0.0 1.3 0.0 1.2
v= cGo 21.5 48.6 52.6 27.1 4.0
^ s'n cfGtl/ s C 0f 19678.6 2 3 4 15.8 2 7802 .4 3 73 7.2 4 3 86.6
s= g]kfn /fi6 a}+s 1852.7 1640.9 5898.3 -211.8 4257.4
v= jfl0fHo a}+sx? 13636.3 17696.3 18055.2 4060.0 358.9
u= ljsf; a}+sx? 308.8 556.1 640.0 247.3 83.9
3= ljQ sDkgLx? 304.7 384.5 401.8 79.8 17.3
= cGo 3576.1 3138.0 2807.2 -438.1 -330.8
& g]k fn ;/ sf/ sf] g]k fn
/ fi6 a}+s df / x]s f] lgIf]k -
- 3 3 81.3 - 11501.9 - 2 6907.3 - 812 0.5 - 154 05.4
clwljsif{ -_art-__
42 g]kfn /fi6 a}+s
tflnsf !$
g]kfn ;/sf/sf] v'b cfGtl/s C0f
-?= s/f]8df_
@)&! c;f/ @)&@ c;f/ @)&# c;f/ @)&$ h]7 @)&$ c;f/ c
s'n ufx{: Yo s'n ufx{: Yo s'n ufx{: Yo s'n ufx{: Yo s'n ufx{: Yo
pTkfbg;Fu sf] pTkfbg;Fu pTkfbg;Fu pTkfbg;Fu pTkfbg;Fu
/sd /sd /sd /sd /sd
cg'k ft - sf] cg'k ft - sf] cg'k ft - sf] cg'k ft - sf] cg'k ft -
k|ltztdf_ k|ltztdf_ k|ltztdf_ k|ltztdf_ k|ltztdf_
s s'n cfGtl/s C0f 1998.3 1.0 42 42 .3 2 .0 8777.5 3.9 6333.8 2 .4 8833.8 3.4
6]h/L laN; 1000.0 0.5 1000.0 0.5 2050.0 0.9 2800.0 1.1 3300.0 1.3
ljsf; C0fkq 900.0 0.5 3000.0 1.4 6200.0 2.8 3500.0 1.3 5500.0 2.1
/fli6o artkq 90.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
gful/s artkq 0.0 0.0 233.9 0.1 500.0 0.2 28.6 0.0 28.6 0.0
a}b]lzs /f]huf/ artkq 7.6 0.0 8.4 0.0 27.5 0.0 5.2 0.0 5.2 0.0
v C0f e'Q mfgL 2 516.7 1.3 4745.5 2 .2 5040.2 2 .2 1947.1 0.7 3877.7 1.5
6]h/L laN; 1000.0 0.5 2661.0 1.2 2429.9 1.1 1934.5 0.7 3876.8 1.5
ljsf; C0fkq 1350.0 0.7 2004.1 0.9 1017.0 0.5 0.0 0.0 0.0 0.0
/fli6o artkq 0.0 0.0 0.0 0.0 1568.0 0.7 12.7 0.0 0.0 0.0
gful/s artkq 166.7 0.1 80.0 0.0 25.0 0.0 0.0 0.0 0.0 0.0
a}b]lzs /f]huf/ artkq 0.0 0.0 0.4 0.0 0.3 0.0 0.0 0.0 0.9 0.0
u g]k fn ;/sf/sf] v'b \ cfGtl/s C0f -s-v_ - 518.4 - 0.3 - 503.2 - 0.2 3737.2 1.7 4386.6 1.7 4956.1 1.9
6]h/L laN; 0.0 0.0 -1661.0 -0.8 -379.9 -0.2 865.5 0.3 -576.8 -0.2
ljsf; C0fkq -450.0 -0.2 995.9 0.5 5183.0 2.3 3500.0 1.3 5500.0 2.1
/fli6o artkq 90.6 0.0 0.0 0.0 -1568.0 -0.7 -12.7 0.0 0.0 0.0
gful/s artkq -166.7 -0.1 153.9 0.1 475.0 0.2 28.6 0.0 28.6 0.0
a}b]lzs /f]huf/ artkq 7.6 0.0 8.0 0.0 27.1 0.0 5.2 0.0 4.3 0.0
3 s'n ufx{: Yo pTkfbg 196454.0 100.0 2 13015.0 100.0 2 2 4742 .7 100.0 2 5992 3.4 100.0 2 5992 3.4 100.0
c cg'dfg
tflnsf !%
j}b]lzs Jofkf/
-?= s/f]8df_
jf lif {s P# f / dlxgf k |l tzt k l/ jt{g -P# f / dlxgf _
2 07172 2 072 73 2 071/72 2 072 /73 2 073 /74 2 072 /73 2 073 /74
s"n lgof{t 853 1.9 7011.7 7783 .1 62 15.5 6862 .5 - 2 0.1 10.4
ef/t 5586.5 3949.4 5110.8 3487.2 3904.5 -31.8 12.0
rLg 223.0 168.2 215.8 150.2 156.5 -30.4 4.3
cGo d'n's 2722.5 2894.2 2456.5 2578.1 2801.5 4.9 8.7
s"n cfoft 77468.4 773 59.9 69069.7 68475.3 89657.1 - 0.9 3 0.9
ef/t 49165.6 47721.3 43772.9 42098.1 58502.1 -3.8 39.0
rLg 10016.6 11569.4 9217.1 10364.6 11396.6 12.4 10.0
cGo d'n's 18286.2 18069.2 16079.7 16012.6 19758.5 -0.4 23.4
Jofkf/ ;Gt'n g - 6893 6.5 - 703 48.2 - 612 86.6 - 62 2 59.8 - 82 794.7 1.6 3 3 .0
ef/t -43579.1 -43771.9 -38662.1 -38610.9 -54597.6 -0.1 41.4
rLg -9793.7 -11401.3 -9001.4 -10214.4 -11240.0 13.5 10.0
cGo d'n's -15563.7 -15175.0 -13623.2 -13434.5 -16957.0 -1.4 26.2
s"n Jofkf/ 86000.3 843 71.6 76852 .8 74690.8 96519.6 - 2 .8 2 9.2
ef/t 54752.1 51670.6 48883.7 45585.3 62406.5 -6.7 36.9
rLg 10239.6 11737.6 9432.9 10514.7 11553.1 11.5 9.9
cGo d'n's 21008.7 20963.4 18536.2 18590.8 22560.0 0.3 21.4
!= lgof{t cfoft cg'k ft 11.0 9.1 11.3 9.1 7.7
ef/t 11.4 8.3 11.7 8.3 6.7
rLg 2.2 1.5 2.3 1.4 1.4
cGo d'n's 14.9 16.0 15.3 16.1 14.2
@= s'n lgof{t df lx:;f
ef/t 65.5 56.3 65.7 56.1 56.9
rLg 2.6 2.4 2.8 2.4 2.3
cGo d'n's 31.9 41.3 31.6 41.5 40.8
#= s'n cfoftdf lx:;f
ef/t 63.5 61.7 63.4 61.5 65.3
rLg 12.9 15.0 13.3 15.1 12.7
cGo d'n's 23.6 23.4 23.3 23.4 22.0
$= s'n Jofkf/ 3f6fdf lx:;f
ef/t 63.2 62.2 63.1 62.0 65.9
rLg 14.2 16.2 14.7 16.4 13.6
cGo d'n's 22.6 21.6 22.2 21.6 20.5
%= s'n Jofkf/df lx:;f
ef/t 63.7 61.2 63.6 61.0 64.7
rLg 11.9 13.9 12.3 14.1 12.0
cGo d'n's 24.4 24.8 24.1 24.9 23.4
^= s'n Jofkf/df lgof{t cfoftsf] lx:;f
lgof{t 9.9 8.3 10.1 8.3 7.1
cfoft 90.1 91.7 89.9 91.7 92.9
+
eG;f/ tYof+sdf cfwfl/t
44 g]kfn /fi6 a}+s
tflnsf !^
zf]wgfGt/ l:ylt
-?= s/f]8df_
c k|l tzt kl/ jt{g
2 0 7 1 /7 2 2 0 7 2 /7 3 2 0 7 3 /7 4 - P3f/ dlxgf_
ljj/ 0f
c
P3f/ dlxgf jflif{s P3f/ dlxgf jflif{s P3f/ dlxgf 2 0 7 2 /7 3 2 0 7 3 /7 4
s= rfn' vftf 952 8.5 1 0 83 2 .0 1 3 0 0 8.1 1 4 0 4 1 .8 - 1 7 2 .2 3 6.5 -
lgof{t, Pkm=cf]=aL= 8953.6 9827.6 6660.1 7486.6 7703.3 -25.6 15.7
t]n 0.0 0.0 0.0 0.0 0.0
cGo 8953.6 9827.6 6660.1 7486.6 7703.3 -25.6 15.7
cfoft, Pkm=cf]=aL= -67892.1 -76177.3 -67043.3 -75648.8 -88656.0 -1.3 32.2
t]n -10123.2 -11204.5 -5898.8 -6872.4 -11237.7 -41.7 90.5
cGo -57768.9 -64972.8 -61144.5 -68776.3 -77418.3 5.8 26.6
Jofkf/ ;Gt'n g - 5893 8.5 - 663 4 9.7 - 60 3 83 .3 - 681 62 .2 - 80 952 .6 2 .5 3 4 .1
v'b ;]jf cfo 2431.7 2761.8 945.5 984.9 600.8 -61.1 -36.5
;]jf cfo 13446.1 14928.8 12581.7 13847.2 14603.4 -6.4 16.1
ofqf 5004.8 5342.9 3892.6 4176.5 5520.5 -22.2 41.8
cGoq gk/]sf] ;/sf/L cfo 2794.8 3248.1 3431.0 3833.1 2281.9 22.8 -33.5
cGo 5646.5 6337.9 5258.1 5837.6 6801.0 -6.9 29.3
;]jf e'QmfgL -11014.4 -12167.1 -11636.2 -12862.3 -14002.5 5.6 20.3
oftfoft -4076.3 -4399.6 -3996.2 -4403.0 -4137.4 -2.0 3.5
ofqf -4846.6 -5319.0 -5066.2 -5641.8 -7293.1 4.5 44.0
h;df lzIff dfq -1568.2 -1706.5 -1764.2 -2013.9 -3119.8 12.5 76.8
;/sf/L vr{ -195.0 -197.5 -206.9 -210.0 -107.4 6.1 -48.1
cGo -1896.6 -2251.0 -2366.9 -2607.4 -2464.7 24.8 4.1
Jofkf/ tyf ;]jf If]qsf] ;Gt'ng -56506.8 -63587.9 -59437.8 -67177.3 -80351.8 5.2 35.2
v'b cfo 2902.1 3424.3 2916.0 3400.4 2615.7 0.5 -10.3
cfo k|fKtL 3707.6 4283.2 3730.6 4308.5 4649.7 0.6 24.6
cfo e'QmfgL -805.4 -858.9 -814.6 -908.1 -2034.0 1.1 149.7
Jofkf/, ;]jf tyf cfo ;Gt'ng -53604.6 -60163.7 -56521.8 -63776.8 -77736.1 5.4 37.5
v'b 6fG;km/ 63133.2 70995.7 69529.9 77818.7 77563.9 10.1 11.6
6fG;km/ cfo 63358.6 71252.2 69869.0 78199.0 77912.1 10.3 11.5
cg'b fg 4216.5 5285.5 5781.1 7041.2 10338.8 37.1 78.8
lghL If]qsf] ljk|i] f0f 55174.2 61727.9 59895.0 66506.4 63342.0 8.6 5.8
k]G;g 3967.8 4238.8 4192.8 4651.4 4231.4 5.7 0.9
cGo 0.0 0.0 0.0 0.0 0.0
6fG;km/ e'QmfgL -225.4 -256.6 -339.0 -380.3 -348.3 50.4 2.7
v= k"Fh L vftf - k"Fh L 6f G;km/ _ 1 1 89.1 1 4 81 .1 1 2 2 5.2 1 698.7 1 2 2 3 .5 3 .0 - 0 .1
hDdf - sv_ 1 0 7 1 7 .6 1 2 3 1 3 .1 1 4 2 3 3 .4 1 57 4 0 .6 1 0 51 .2 3 2 .8 - 92 .6
u= ljQLo vftf - ;d"x a fx]s _ 1 61 9.5 1 80 2 .4 1 3 2 9.8 2 963 .8 2 0 59.3 - 1 7 .9 54 .9
k|ToIf j}b ]lzs nufgL cfk|jfx 370.1 438.3 479.9 592.1 1227.0 29.7 155.7
kf]6{kmf]lnof] nufgL 0.0 0.0 0.0 0.0 0.0
cGo nufgL ;DklQ -3099.8 -3458.5 -2761.1 -3093.6 -3698.2 -10.9 33.9
Jofkfl/s ;fv -193.3 -223.4 -3.6 -33.9 -145.9 -98.1 3971.6
cGo -2906.5 -3235.0 -2757.5 -3059.7 -3552.4 -5.1 28.8
cGo nufgL bfloTj 4349.1 4822.6 3611.0 5465.4 4530.5 -17.0 25.5
Jofkfl/s ;fv 2181.6 2291.2 1418.0 1639.7 1984.5 -35.0 39.9
C0f 776.7 1216.0 1299.4 2734.2 4319.8 67.3 232.4
;/sf/ 781.0 1222.3 1161.5 2597.9 3184.4 48.7 174.2
C0f k|fKtL 2418.0 2926.4 2751.5 4377.4 4736.9 13.8 72.2
;fFjf e'QmfgL -1637.0 -1704.2 -1590.1 -1779.5 -1552.5 -2.9 -2.4
cGo If]q -4.3 -6.2 137.9 136.3 1135.4 -3293.0 723.2
s/]G;L tyf l8kf]lh6 1491.6 1431.9 1245.0 1498.2 -1772.6 -16.5 -242.4
g]kfn /fi6 a}s+ 5.5 -2.0 -0.6 -0.6 21.7 -110.1 -3975.0
jfl0fHo a}s+ 1486.0 1433.9 1245.6 1498.8 -1794.3 -16.2 -244.1
cGo bfloTj -100.7 -116.6 -351.4 -406.8 -1.2 249.0 -99.7
hDdf - svu_ 1 2 3 3 7 .1 1 4 1 1 5.5 1 5563 .1 1 87 0 4 .4 3 1 1 0 .6 2 6.1 - 80 .0
3= ljljw k"Fh L tyf e'n r's 1 87 4 .8 1 82 0 .0 2 7 97 .3 1 689.1 2 54 3 .3 4 9.2 - 9.1
hDdf - svu3_ 1 4 2 1 1 .9 1 593 5.5 1 83 60 .4 2 0 3 93 .5 5653 .9 2 9.2 - 69.2
= l/he{ tyf ;DalGwt lzif{s -14211.9 -15935.5 -18360.4 -20393.5 -5653.9 29.2 -69.2
l/he{ ;DklQ -14111.5 -15819.2 -18360.4 -20393.5 -5542.1 30.1 -69.8
g]kfn /fi6 a}s + -11493.5 -13035.3 -15233.1 -17288.7 -5269.8 32.5 -65.4
jfl0fHo a}s + -2618.0 -2783.9 -3127.3 -3104.8 -272.3 19.5 -91.3
cfO{=Pd=Pkm= shf{ pkof]u -100.4 -116.3 0.0 0.0 -111.7 - -
v'b j}b ]l zs ;DklQdf kl/ jt{g - j[l 4 _ - 1 2 7 2 0 .3 - 1 4 50 3 .6 - 1 7 1 1 5.4 - 1 8895.3 - 7 4 2 6.4 3 4 .6 - 56.6
c ckl/is[t
tflnsf !&
a}+ls If]q;Fu /x]sf] s'n ljb]zL ljlgdo ;l~rlt
-?= s/f]8df_
c k|l tzt kl/jt{g
c;f/ h]7 c;f/ h]7 -c;f/ h]7 _
@)&@ @)&# @)&# @)&$ @)&@@)&# @)&#@)&$
s_ g]k fn /fi6 a}+s -!@_ 726 6 8 .4 8 9 9 23.3 9 176 3.1 9 4433.6 23.7 2.9
!= ;'g, P;=l8=cf/=, cfOPdPkmdf /x]sf] l/hj{ 2362.3 2991.7 3062.0 2921.2 26.6 -4.6
@= ljb]zL ljlgdo ;l~rlt 70306.1 86931.6 88701.1 91512.4 23.6 3.2
kl/jTo{ 51745.7 65257.4 67245.8 68190.6 26.1 1.4
ckl/jTo{ 18560.4 21674.2 21455.3 23321.8 16.8 8.7
v_ a}+s tyf ljQLo ;+: yf * 1209 9 .5 15 242.4 15 220.0 15 5 13.5 26 .0 1.9
kl/jTo{ 11484.3 14498.0 14400.6 14628.4 26.2 1.6
ckl/jTo{ 615.2 744.4 819.4 885.0 21.0 8.0
u_ s'n ljb]z L ljlgdo ;l~rlt 8 2405 .6 102174.0 1039 21.1 107025 .9 24.0 3.0
kl/jTo{ 63230.0 79755.4 81646.4 82819.0 26.1 1.4
s'n ;l~rltdf c+z -k|ltztdf_ 76.7 78.1 78.6 77.4
ckl/jTo{ 19175.6 22418.6 22274.7 24206.9 16.9 8.7
s'n ;l~rltdf c+z -k|ltztdf_ 23.3 21.9 21.4 22.6
3_ s'n a}b ]l zs ;DklQ -sv_ 8 476 7.9 105 16 5 .7 106 9 8 3.1 109 9 47.0 24.1 2.8
cfoft Ifdtf -dlxgfdf_
s'n ljb]zL ljlgdo ;l~rlt
j:t' 13.0 16.8 16.5 13.3
j:t' tyf ;]jf 11.2 14.3 14.1 11.5
s'n a}b]lzs ;DklQ
j:t' 13.4 17.3 17.0 13.6
j:t' tyf ;]jf 11.5 14.7 14.5 11.8
_ j}b]lzs bfloTj 10039.2 11191.4 11380.9 9481.8 11.5 -16.7
r_ v'b j}b]lzs ;DklQ -3-_ 74728.7 93974.2 95602.2 100465.2 25.8 5.1
**
5_ v'b j}b]lzs ;DklQdf kl/jt{g -ljlgdo d"Nof+sg ;dfof]hg k"j{_ -14806.8 -19245.5 -20873.5 -4863.0
h_ ljb]zL ljlgdo d"Nof+sg - -3f6f_ 303.2 2130.1 1978.1 -2563.4
***
`_ v'b j]b ]l zs ;DklQdf kl/jt{g --j[l 4_ -5+h_ -145 03.6 -17115 .4 -18 8 9 5 .3 -7426 .4
d;fGtsf] vl/b b/ -k|lt cd]l/sL 8n/_M 101.14 107.08 106.73 102.77
c cg'dfg
*
g]kfn /fi6 a}+saf6 O{hfhtk|fKt s, v / u ju{sf a}+s tyf ljQLo ;+:yfx?
**
v'b j}b]lzs ;DklQsf] kl/jt{g c;f/ d;fGtsf] tYofnfO{ cfwf/ dfgL lnOPsf] / -_ lrGxn] j[l4 ePsf] hgfp5 .
***
ljb]zL ljlgdo d"Nof+sg gfkmf3f6f ;dfof]hg kZrft .
gf]6M a}+s tyf ljQLo ;+:yfx?sf] ef/tLo d'b|f ;l~rlt cl3Nnf] dlxgfsf] tYofdf cfwfl/t
46 g]kfn /fi6 a}+s
tflnsf !*
ljb]zL d'b|f vl/blaqmL
-/sd s/f]8df_
kl/jTo{ ljb]z L d'b |f vl/b laqmL ef?= vl/b
@)&@&# @)&#&$
@)&@&# @)&#&$
dlxgf vl/b laqmL v'b t/ntf k|j fxk|z f]r g vl/b laqmL v'b t/ntf k|j fxk|z f]r g
cd]l /sL 8n/ cd]l /sL 8n/ cd]l /sL 8n/ cd]l /sL 8n/ cd]l /sL 8n/ cd]l /sL 8n/ cd]l /sL 8n/ cd]l /sL 8n/
?= s/f]8 df ?= s/f]8 df ?= s/f]8 df ?= s/f]8 df ?= s/f]8 df ?= s/f]8 df ef? Vl/b ef? Vl/b
s/f]8 df s/f]8 df s/f]8 df s/f]8 df s/f]8 df s/f]8 df laqmL laqmL
;fpg 33.3 3,403.9 - - 33.3 3,403.9 22.1 2,362.9 - - 22.1 2,362.9 2,050.2 32.0 1,743.7 26.0
ebf} 37.7 3,988.7 - - 37.7 3,988.7 31.7 3,387.4 - - 31.7 3,387.4 1,457.8 22.0 2,539.9 38.0
c;f]h 41.7 4,353.5 - - 41.7 4,353.5 38.8 4,143.2 - - 38.8 4,143.2 392.0 6.0 1,732.8 26.0
sflQs 35.1 3,681.7 - - 35.1 3,681.7 36.4 3,893.7 - - 36.4 3,893.7 1,049.5 16.0 2,671.6 40.0
d+l;/ 40.0 4,255.6 - - 40.0 4,255.6 34.8 3,789.4 - - 34.8 3,789.4 1,997.7 30.0 1,771.4 26.0
k'; 35.0 3,730.2 - - 35.0 3,730.2 40.1 4,358.1 - - 40.1 4,358.1 1,864.5 28.0 2,851.7 42.0
df3 31.8 3,448.7 - - 31.8 3,448.7 29.3 3,177.1 - - 29.3 3,177.1 2,438.0 38.0 2,576.6 38.0
kmfu'g 34.6 3,771.2 - - 34.6 3,771.2 36.4 3,890.2 - - 36.4 3,890.2 1,773.2 26.0 2,408.2 36.0
r}t 40.7 4,332.8 - - 40.7 4,332.8 36.2 3,758.0 - - 36.2 3,758.0 3,335.7 50.0 3,258.5 50.0
a}zfv 41.7 4,258.4 - - 41.7 4,258.4 32.1 3,303.6 - - 32.1 3,303.6 2,129.0 32.0 1,031.5 16.0
h]7 29.5 3,165.4 - - 29.5 3,165.4 36.6 3,769.4 - - 36.6 3,769.4 2,147.1 32.0 2,189.6 34.0
c;f/ 44.0 4,745.0 44.0 4,745.0 23.8* 2457.3* 23.8* 2457.3* 1,889.6 28.0 1937.3* 30.0*
444.9 47,135.0 - - 444.9 47,135.0 398.2 * 42 2 90.2 * - - 398.2 * 42 2 90.2 * 2 2 ,52 4.4 340.0 2 6712 .7* 402 .0*
* c;f/ @@ ut] ;Dd .

Monetary Policy (In Nepali) - 2074-75 (Full Text) - New

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Monetary Policy (In Nepali) - 2074-75 (Full Text) - New

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Copyright:

Available Formats

cfly{s jif{ @)&$&% sf]

g]kfn /fi6 a}+s

cfly{s j{ @)&$&% sf]

g]kfn /fi6 a}+s

kmf]g g+= $$!!^#*

t/ntf Joj:yfkg tyf Aofhb/

cfly{s jif{ @)&$&% sf] df}lb|s gLltsf] :j?k

qm=;+= a'Fbf g+= nIosfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIosfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIosfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIosfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIosfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIosfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIosfo{qmd sfof{Gjog l:ylt

qm=;+= a'Fbf g+= nIosfo{qmd sfof{Gjog l:ylt

tflnsf ! s'n ufx{:Yo pTkfbg -@)%&%* sf] d"Nodf_

* efl/t cf};t Aofh b/

dlxgf @)&!&@ @)&@&# @)&#&$ @)&!&@ @)&@&# @)&#&$

* efl/t cf};t Aofh b/

* efl/t cf};t Aofh b/

clwljsif{ ++ -5626.0 -18366.1 -12428.1 226.5 -32.3

cGo @ -6.1 -20.5 -80.9 238.8 294.5

ljQLo Joj:yf 607.1 1275.7 174.0 110.1 -86.4

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