;+rfns ;ldlt
k|df]b s'df/ bfxfnsDkgL ;lrj
kjg s'df/ uf]Nof0fcWoIf
/fh]Gb| sfkm\n];+rfns
dgf]h s'df/ uf]on;+rfns
lgsf] lkn;+rfns
/f]d0fL k|;fb kf7s;+rfns
xl/afa' Gof}kfg];+rfns
hLjgdfg hf]zL;+rfns
xl/ZrGb| ;'j]bL;+rfns
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gGb lszf]/ /f7Lj}slNks ;+rfns
1
k|ltlglw -k|f]S;L_ kmf/d
>L ;+rfns ;ldlt,
PgPdla a}+s lnld6]8, aa/dxn, sf7df8f}+ .
ljifo M k|ltlglw lgo'lQm u/]sf] af/] .
=== === === === === === lhNnf === === === === === === === g=kf=÷uf=lj=;= j8f g+= === === a:g] d÷xfdL === === === === == === ============= n] To; sDkgLsf] z]o/wgLsf] x}l;otn]
;Dat\ @)&# ;fn kf}if dlxgf @$ ut] cfO{tjf/sf lbg x'g] @!cf}+ jflif{s ;fwf/0f ;efdf d÷xfdL :jod\ pkl:yt eO{ 5nkmn tyf lg0f{odf
;xefuL x'g g;Sg] ePsfn] pQm ;efdf d]/f÷xfd|f] tkm{af6 efu lng tyf dtbfg ug{sf nflu === ==== ======= == lhNnf === ==== === ======= ====== g=kf÷uf=lj=;=
j8f g+= ===== a:g] To; sDkgLsf z]o/wgL >L === === === === === === === === ====== === === === nfO{ d]/f]÷xfd|f] k|ltlglw lgo'Qm u/L k7fPsf] 5'÷k7fPsf 5f}+ .
b|i6AoM of] lgj]bg ;fwf/0f ;ef x'g' eGbf sDtLdf $* 306f cufj} a}+ssf] /lhi68{ sfof{nodf k]z ul/;Sg' kg]{5 . Ps eGbf a9L k|ltlglw -k|f]S;L_ sf] gfd pNn]v u/]df k|ltlglw -k|f]S;L_ kmf/d /2 ul/g] 5 .
PgPdlj a}+s lnld6]8,aa/dxn, sf7df8f}+ .
@!cf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf]
k|j]z–kq
z]o/wgLsf] gfd M ============================================================================================================================================================= s"n z]o/ ;+Vof M =================================================================
z]o/wgL kl/ro÷lxtu|fxL vftf (BOID) g+= M============================================================================== z]o/wgLsf] ;xL M ===============================================================
===============================================================
sDkgL ;lrj
-b|i6AoM k|ltlglwn] ;efdf efu lng cfpFbf of] k|j]z kq ;fy} lnO{ cfO{ lbg'x'g cg'/f]w ub{5f}+ ._
k|ltlglw lgo'Qm ePsf] JolQmsf]M
x:tfIf/sf] gd"gfM
z]o/wgL kl/ro÷lxtu|fxL vftf g+=M
lgj]bs,
b:tvtM
gfd y/M
7]ufgfM
z]o/wgL kl/ro÷lxtu|fxL vftf g+=M
z]o/ ;+VofM
ldlt M ==================================================================================
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
ljifo ;"rL
! | PSsfO;f}+ jflif{s ;fwf/0f ;ef;DaGwL ;"rgf
# | cWoIfHo"sf] dGtJo
% | ;+rfns ;ldltsf] jflif{s k|ltj]bg
@# | lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] cg';"rL–!%
@( | n]vfk/LIfssf] k|ltj]bg– PsLs[t ljQLo ljj/0fx?
## | PsLs[t ljQLo ljj/0fx?
#* | n]vfk/LIfssf] k|ltj]bg– PgPdla a}+s lnld6]8sf] ljQLo ljj/0fx?
$! | PgPdla a}+s lnld6]8sf] ljQLo ljj/0fx?
(^ | k|d'v n]vf gLltx?
(( | n]vf ;DaGwL l6Kk0fLx?
!)( | ljz]if k|:tfjsf] ?kdf k]z ePsf] k|aGwkq tkm{sf] ;+zf]wg
!!) | a}+ssf] ljQLo ljj/0f k|sfzg ug{ g]kfn /fi6« a}+ssf] :jLs[lt kq
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
1
o; a}+ssf] ldlt @)&#÷)*÷!& ut] a;]sf] ;~rfns ;ldltsf] a}7ssf] lg0f{ofg';f/ PSsfO;f}+ jflif{s ;fwf/0f ;ef lgDg lnlvt ldlt, :yfg / ;dodf lgDg ljifox¿ pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf sDkgL P]g, @)^# sf] bkmf ^& adf]lhd ;Dk"0f{ z]o/wgL dxfg'efjx¿sf] hfgsf/Lsfnflu of] ;"rgf k|sflzt ul/Psf] 5 .
!= ;fwf/0f ;ef a:g] ldlt, :yfg / ;doMldlt M @)&# ;fn kf}if dlxgf @$ ut], cfO{taf/ -tb\g';f/ * hgj/L, @)!&_:yfg M g]kfn k|1f k|lti7fg, sdnfbL, sf7df8f}+ . ;do M laxfg !)M)) ah]
5nkmnsf ljifox¿M-s_ ;fdfGo k|:tfjM
!= PSsfO;f}+ jflif{s ;fwf/0f ;efdf ;~rfns ;ldltaf6 k|:t't k|ltj]bg kfl/t ug]{,@= n]vfk/LIfssf] k|ltj]bg ;lxtsf] cf= j= )&@÷)&# sf] jf;nft, gfkmf–gf]S;fg lx;fa / ;f]xL cjlwsf]
gub k|jfxsf] ljj/0f kfl/t ug]{ -;xfos sDkgLx? ;d]tsf] Plss[t ljj/0f_,#= sDkgL P]g, @)^# sf] bkmf !!! cg';f/ cf= j= )&#÷)&$ sf] nflu n]vfk/LIfssf] lgo'lQm tyf
lghsf] kfl/>lds tf]Sg], $= ;~rfns ;ldltaf6 kfl/t eP adf]lhd jf]g; z]o/sf] s/ k|of]hgsf nflu xfnsf] r'Qmf k"FhLsf] ! -Ps_ k|ltztsf b/n] gub nfef+z ljt/0fsf] k|:tfj :jLs[t ug]{ .
-v_ ljz]if k|:tfjM
!= a}+ssf] clws[t k"FhL ?= *,)),)),)),))).– -cf7 c/j_ af6 ?= !),)),)),)),))).– -bz c/j_ k'¥ofpg :jLs[lt k|bfg ug]{,
@= a}+ssf] jt{dfg r'Qmf k"FhLsf]] !( k|ltztsf] cg'kftdf jf]g; z]o/ hf/L ug{ :jLs[lt k|bfg ug]{, #= af]gz z]o/ hf/L u/]sf] sf/0fn] a}+ssf] jt{dfg hf/L tyf r'Qmf k"FhLdf a[l4 x'g] ePsfn]
;f]xL adf]lhd hf/L tyf r'Qmf k"FhLa[l4 u/L k|aGwkqdf cfjZos ;+zf]wg ug{ :jLs[lt k|bfg ug]{,$= k'FhL a[l4 ug{sf nflu ;fwf/0f z]o/ yk ;fj{hlgs lgisfzg (Further Public Issue) ug]{ . yk
;fj{hlgs lgisfzg x'g] ;fwf/0f z]o/sf] ;+Vof lgwf{/0f ug{ / ;f]sf] cl°t d"Nodf lk|ldod ;d]t yk ul/ hf/L x'g] z]o/sf] lk|ldod ;lxtsf] d"No lgwf{/0f ug{, yk ;fj{hlgs lgisfzg (Further Public Issue) ul/;s]kl5 a}+ssf] hf/L tyf r'Qmf k"FhLdf a[l4 x'g] ePsfn] ;f]xL adf]lhd hf/L tyf r'Qmf k"FhL a[l4 ug{ / yk ;fj{hlgs lgisfzg eP kZrft a}+ssf] ;fwf/0f ;d"xsf] :jfldTj k|ltzt a[l4 x'g] / ;+:yfut ;d"xsf] :jfldTj k|ltzt 36\g] ePsfn] ;f]xL adf]lhd a}+ssf] k|aGwkq tyf lgodfjnLdf cfjZos ;+zf]wg ug{ tyf ;f] ;DaGwdf ug'{kg]{ ;Dk"0f{ sfo{ ug]{ clVtof/L ;+rfns ;ldltnfO{ k|bfg ug]{ .
%= a}+ssf] lgodfjnLsf] lgod #@ df ;+zf]wg ug]{, ^= a}+ssf] k|aGwkq tyf lgodfjnLdf ePsf]÷x'g] ;+zf]wgsf] :jLs[lt ln+bf jf clen]v ubf{ u/fpFbf
s]xL ;fdfGo x]/km]/ ug{, ;+zf]wg ;DaGwL sfuhft k|dfl0ft ug{, bflvnf ug{ / clen]v u/fO{ lng ;d]t ;~rfns ;ldltnfO{ clVtof/L lbg],
-u_ ljljw .cf1fn],
sDkgL ;lrj
PSsfO;f}+ jflif{s ;fwf/0f ;ef;DaGwL ;"rgf
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
;fwf/0f ;ef ;DaGwdf yk hfgsf/LM!_ jflif{s ;fwf/0f ;ef k|of]hgsf]nflu a}+ssf] z]o/ bflvn Vff/]hL @)&#÷)(÷& b]lv @)&#÷)(÷@$
ut];Dd aGb /xg]5 . @_ z]o/wgL btf{ k'l:tsfdf sfod z]o/wgL dxfg'efjx¿sf] 7]ufgfdf ;fwf/0f ;efsf] hfgsf/L
;lxtsf] jflif{s k|ltj]bg k7fO{g]] 5 . s'g} z]o/wgL dxfg'efjx¿n] s'g} sf/0fjz pk/f]Qm hfgsf/L gkfpg' ePdf o;} ;"rgfnfO{ cfwf/ dfgL z]o/sf] k|df0fkq jf lxtu|fxL vftf gDa/ jf cfgf] kl/ro v'Ng] k|df0f–kq ;fydf lnO{ ;efdf efu lng cfpg' x'g xflb{s cg'/f]w ub{5f}+ .
#_ jflif{s ;fwf/0f ;efdf efu lng] k|To]s z]o/wgL dxfg'efjx¿n] ;ef x'g] :yfgdf pkl:yt eO{ ToxfF /flvg] pkl:ylt k'l:tsfdf b:tvt ug'{ kg]{5 . z]o/wgL pkl:ylt k'l:tsf laxfg (M#) ah] b]lv v'Nnf /xg] 5 .
$_ jflif{s ;fwf/0f ;efdf efu lngsf nflu k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgL dxfg'efjx¿n] k|ltlglwkq -k|f]S;L kmf/d_ ;ef z'¿ x'g' eGbf $* 306f cufj} a}+ssf] s]Gb|Lo sfof{no aa/dxn, sf7df8f}+df btf{ u/fO{ ;Sg' kg]{5 .
%_ k|ltlglw lgo'Qm ubf{ a}+ssf] z]o/wgLnfO{ g} ug'{ kg]{5 . s'g} z]o/wgLn] k|ltlglw -k|f]S;L_ lgo'Qm u/]kl5 cfkm' :jo+ pkl:yt ePdf To:tf] k|ltlglw -k|f]S;L_ :jtM /4 ePsf] dflgg]5 .
^_ gfjfns jf lalIfKt z]o/wgLx¿sf] xsdf a}+ssf] z]o/wgL btf{ k'l:tsfdf ;+/Ifssf] ¿kdf gfd btf{ ePsf] JolQmn]dfq ;fwf/0f ;efdf efu lng jf k|ltlglw -k|f]S;L_ tf]Sg ;Sg]5 . ;+o'Qm ¿kdf z]o/ lng] z]o/wgLx¿sf] xsdf To:tf] z]o/wgLx¿ dWo]af6 ;j{;Ddt ¿kdf dgf]lgt k|ltlglwn] jf ;f] adf]lhd s'g} k|ltlglw lgo'Qm gePdf z]o/wgL btf{ lstfadf klxn] gfd pNn]v ePsf] z]o/wgLn]dfq ;fwf/0f ;efdf efu lng kfpg] 5 .
&_ z]o/wgLx¿af6 p7]sf k|Zg, lh1f;f jf dGtJox¿sf] ;DaGwdf ;~rfns ;ldltsf] tkm{af6 cWoIf jf cWoIfaf6 cg'dltk|fKt AolQmn] hjfkm lbg ;Sg]5g\ .
*_ s'g} z]o/wgL dxfg'efjx¿nfO{ a}+ssf] ;DaGwdf s]lx lh1f;f eP To:tf] Aoxf]/f lnlvt ¿kdf ;ef x'g' eGbf sDtLdf & -;ft_ lbg cufj} a}+ssf] /lhi68{ sfof{nodf k7fpg' x'g cg'/f]w ub{5f}+ . t/ o;nfO{ 5nkmn / kfl/t x'g] k|:tfjsf] ¿kdf ;dfj]z ul/g] 5}g .
(_ ;fwf/0f ;efdf efu lng cfpg'x'g] z]o/wgLx¿n] ;fwf/0f ;ef;+u ;DjlGwt sfuhft afx]s s'g} emf]nf, kf]sf jf cGo ;fdfu|L glnO{ cfpg' x'g cg'/f]w ul/Psf] 5 .
b|i6AoM a}+ssf] jflif{s k|ltj]bg z]o/wgL dxfg'efjx¿sf] ;'ljwfsf] nflu a}+ssf] j]a;fO6 www.nmb.com.np df klg /flvPsf] x'Fbf ToxfFaf6 ;d]t x]g{;lsg] Aoxf]/f hfgsf/L u/fpFb5f} .
3
cfb/0fLo z]o/wgL dxfg'efjx?,
PgPdla a}+s lnld6]8sf] o; @!cf}+ jflif{s ;fwf/0f
;efdf pkl:yt cfb/0fLo z]o/wgL dxfg'efjx?,
cfdlGqt clyltu0f, ko{j]Ifs, kqsf/ tyf dlxnf Pjd\ ;Hhgj[Gbx?df d a}+ssf] ;+rfns
;ldltsf] tkm{af6 / d]/f] JolQmut tkm{af6 x[bo b]lv g} cfef/ k|s6 ub}{ xflb{s :jfut
ug{ rfxG5' . o; a}+sdf oxfFx?sf] ;xof]u / ;b\efj ljut b'O{ bzsb]lv k|fKt x'Fb} cfPsfn] xfdL
b]zs} ?= Ps c/aeGbf a9L v'b d'gfkmf cfh{g ug{ ;kmn x'g] cu|0fL a}+sx?sf] ;"rLdf ;dfj]z x'g ;kmn ePsf] ;Gb]z oxfFx?sf ;fd' /fVg kfpFbf xfdL uf}/jflGjt ePsf 5f}+ .
oxfFx? ;a}nfO{ ljlbt} 5, ;ldIff cjlwdf PgPdla
a}+s lnld6]8df kflye/f ljsf; a}+s lnld6]8, e[s'6L 8]enkd]G6 a}+s lnld6]8, lSng O{ghL{ 8]enkd]G6 a}+s lnld6]8 / k|'8]lG;on kmfOgfG; sDkgL lnld6]8 ufleO{ ldlt @)&@ sflt{s ! ut]af6 PsLs[t sf/f]af/sf] z'ef/De ePsf] 5 . o; P]ltxfl;s dh{/af6 a}+ssf]
k"FhLut cfwf/ alnof] x'g'sf ;fy} zfvf ;Ghfndf a[l4 eO{ Aoj;fo lj:tf/ ug]{ bfo/f km/flsnf] ePsf] 5 . a}+ssf] ;kmn dh{/ kZrft\ xfn;Dd a}+ssf] zfvf ;+Vof &!, PS;6]G;g sfp06/sf] ;+Vof
& / Pl6Pdsf] ;+Vof %& k'u]sf] 5 . o;af6
lgIf]k ;+sng tyf shf{ k|jfxdf a[l4 ePsf] Joxf]/f cfb/0fLo z]o/wgL dxfg'efjx? dfem hfgsf/L
u/fpFb5' .
o; a}+ssf] @)cf}+ jflif{s ;fwf/0f ;efn] lbPsf] clwsf/ adf]lhd o; a}+ssf] ljb]zL ;fem]bf/ Nederlandse Financierings-Maatschappij Voor
Ontwikkelingslanden N.V. (FMO), Nederland
n] a}+ssf] s"n r'Qmf k"FhLsf] @) k|ltzt z]o/ k'¥ofPsf]] Aoxf]/f oxfFx?;dIf hfgsf/L u/fpg
rfxG5' . ljZjsf] *% j6f b]zx?df cfkm\gf] nufgL
tyf k|ltlglwTj ePsf] PkmPdcf] cGt/f{li6«o ?kdf
/fd|f] 5jL ePsf] / Standard & Poor’s tyf Fitch
h:tf ;+:yfx?n] AAA /]l6Ë u/]sf] g]b/n}08 ;/sf/ ;d]tsf] %! Kf|ltzt :jfldTj /x]sf]
cGt/f{li6«o ljsf; a}+s xf] . pQm ;+:yfsf] ;xof]un]] cfpFbf lbgx?df ljb]zL a}+s tyf ljQLo ;+:yfx?
;+usf] ;DaGwnfO{ k|uf9 agfpg 6]jf k'Ug], s[lif,
;fgf tyf demf}nf If]q, hnlaB't, gljs/0fLo pmhf{ nufotsf cGo If]qx?df nufgLsf] nflu cfjZos k"FhL tyf k|fljlws ;xof]u k|fKt x'g], sd{rf/Lsf] Ifdtf lj:tf/df cfjZos tflndsf nflu ;xof]u k'Ug] cflb ePsfn] oxfFx?sf] o; a}+sn] ljQLo If]qdf 7"nf] km8\sf] dfg{ ;kmn x'g]5 eGg] ljZjf;
lnPsf 5f}+ .
;ldIff jif{df b]zsf] s[lif tyf u}/–s[lif If]qsf] j[l4b/df ;+s'rg cfpg'sf ;fy} @)&@ ;fn j}zfv !@ ut]sf] e"sDksf] c;/, t/fO{df ePsf] /fhg}lts cl:y/tf, ljk|]if0fsf] cfk|jfxsf] a[l4b/df lu/fj6 tyf ljsf; vr{df sdLsf sf/0fx?n] d'n'ssf] ;du| cfly{s ultljlwdf gsf/fTds k|efj ;d]t kf/]sf] x'Fbf s"n ufx{:Yo pTkfbgsf] a[l4b/ Go"g /xg uPsf sf/0f a}+lsË If]qsf] Joj;fosf] lj:tf/df o;sf] c;/ b]lvPsf] 5 . cfoftdf jif]{lg eO/xg] j[l4 / cfGtl/s pTkfbgdf x|f; cfpgfn] b]zsf] cy{tGqn] ck]lIft nIo xfl;n ug{ ;ls/x]sf] 5}g . cfGtl/s pBf]u, Jofkf/ nufot pTkfbgd"ns If]qdf ;f]r]cg'?k j[l4 ePsf] b]lvFb}g . a}+lsË If]qdf ;do ;dodf x'g] t/ntfsf] ptf/ r9fjsf] cj:yfn] lgIf]k tyf shf{sf] Jofhb/ Joj:yfkgdf r'gf}tL ylkPsf] 5 . ahf/ d"No clgolGqt x'Fbf d'b|f:kmLltsf] b/ k|If]k0f u/]eGbf a9\bf] 5 . ;du|df eGg'kbf{ ;ldIff cjlwdf Go"g cfly{s a[l4, a9\bf] ljB't nf]8;]l8Ë, >d ;d:of / cl:y/ /fhg}lts
cj:yfsf sf/0f nufgL d}qL jftfj/0f ;[hgf x'g ;s]sf] kfO{Pg . ;ldIff cjlw -cf= j= @)&@÷)&#_ df
cWoIfHo"sf] dGtJo
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g]kfnsf] ;du| cfly{s cj:yf Tolt pT;fxk|b /x]g .
oBlk, pk/f]Qm r'gf}tLx?sf afjh'b klg o; a}+sn]
;ldIff aif{df pNn]vgLo k|ult xfl;n ug{ ;kmn
ePsf] 5 . o; a}+sn] ut cfly{s jif{eGbf !@@ k|ltztn] d'gfkmfdf j[l4 u/L cf=j= @)&@÷&# df
?= ! cj{ !! s/f]8 v"b d'gfkmf cfh{g ug{ ;kmn ePsf] 5 . o:tf] k|ult a}+ssf] ;kmn Joj:yfkg tyf
P]ltxfl;s dh{/ kZrft\ a}+ssf] Joj;fodf ePsf] lj:tf/sf] sf/0f ;Dej ePsf] Aoxf]/f oxfFx?sf ;fd' /fVg rfxG5' .
PgPdla a}+s ljQLo ahf/df b]vf k/]sf
kl/jt{gx?nfO{ u|x0f ug{df ;bf cu|;/ /xFb} cfPsf] 5 . o; a}+sn] g]kfn /fi6« a}+såf/f k"FhL j[l4 ug]{ ;DaGwdf hf/L ePsf] lgb]{zg cg'?k tf]lsPsf] ;dofjwL leq} ?= * c/a r'Qmf k"FhL k'¥ofpg] 5 eGg] s'/f oxFfx?nfO{ cjut
u/fpg rfxG5' . To;}u/L, :jb]zL tyf cGt/f{li6«o ;+:yfx?;Fu ;xsfo{ u/]/ ljQLo If]qdf ;Defjgfsf cj;/x?sf] vf]hL ub}{ b]zsf] cfly{s cj:yfdf ;'wf/ Nofpg] nIosf ;fy b'O{ b]zLo Jofkf/nfO{ k|j4{g ug{ dn]l;ofdf k|ltlglw sfof{no :yfkgf
u/]sf 5f}+ . PgPdla a}+sn] o:tf] w]/} gjLg sfo{x?sf] yfngL u/]/ cfkm"nfO{ cAan :yfg :yflkt ug{
k|oTgzLn /lx/x]sf] 5 .
xfdLn] cfkm\gf] Ifdtf clej[l4 u/L nufgLstf{x?nfO{
nufgLsf] plrt k|ltkmn k|bfg ug{sf nflu ;DklQsf]
u'0f:t/df ;'wf/ u/L d'gfkmf j[l4 ub}{ hfg]tkm{
lqmoflzn /xb} cfPsf 5f+} . cfufdL lbgx?df klg a}+s leq ;+:yfut ;'zf;gnfO{ sfod /fVb} nufgLstf{x?sf] j[xQ/ lxtnfO{ ;jf]{k/L 7fgL tt\
cg'?k cfkm\gf sfo{x? bQlrQsf ;fy cl3 a9fpg]
s'/f JoQm ug{ rfxG5' . o; a}+s Aoj;flos ;Ifdtf
clea[l4 ug{sf nflu cfw'lgs ;"rgf k|ljlwx?dWo]
ahf/df pknAw x'g;Sg] pRrtd k|ljlwnfO{ pkof]u ub}{ cuf8L a9\g sl6a4 /x]sf] 5 .
o; a}+ssf] pGglt, k|ult / ;Dj[l4sf nflu
xfd|f x/]s s[ofsnfkx?df ;b}j ulx/f] cle?lr b]vfO{ xfdLnfO{ /fo ;'emfj lbg' x'g]] cfb/0fLo z]
o/wgL dxfg'efjx?k|lt xflb{s wGojfb 1fkg ub{5' .
To;}u/L, lgodgsf/L lgsfox? g]kfn ;/sf/, g]kfn /fi6« a+}s, sDkgL /lhi6«f/sf] sfof{no, g]kfn lwtf]kq jf]8{, g]kfn :6s PS;r]Gh lnld6]8,
l;l8P; P08 lSnol/Ë lnld6]8, ;~rf/ hut, u|fxsju{ nufot o; a}+snfO{ k|ToIf jf ck|ToIf ?kn] ;xof]u k'/\ofpg' x'g] a}+s tyf ljQLo ;+:yfx?, cGo ;+3–;+:yfx? k|lt xflb{s cfef/ JoQm ug{ rfxG5' . k|d'v sfo{sf/L clws[t >L pk]Gb| kf}8]nn]
o; a}+sdf ljut !& jif{ b]lv cgj/t ?kdf sfo{ ug'{ eO{ cu|0fL jfl0fHo a}+sx?sf] ;"rLdf a}+snfO{ ;dfj]z u/fpg Aoj:yfkg tkm{sf] g]t[TjbfoL e"ldsfsf] k|z+;f ub}{ pxfF nufot ;Dk"0f{ sd{rf/Lx? k|lt xflb{s cfef/ JoQm ub{5' .
cGTodf, cfufdL lbgx?df a}+sn] cfkm\gf u|fxs
ju{x?nfO{ cem a9L ljZj;gLo / u'0f:t/Lo ;]jf pknAw u/fpFb} z]o/wgLx?nfO{ plrt k|ltkmn
k|bfg ug]{ k|lta4tf JoQm ub}{ o; a}+ssf ;+rfns
;ldltsf ;b:ox?sf] dfu{bz{g, sd{rf/L ldqx?sf] s8f kl/>d, z]o/wgL dxfg'efjx? tyf lgodgsf/L
lgsfox?af6 k|fKt ljZjf; Pj+ ;'emfjx? ljutdf em+} lg/Gt/ sfod} /xg]df ljZj:t 5' .
wGojfb .
kjg s'df/ uf]Nof0fcWoIf
ldltM @)&#÷)(÷@$
5
cfb/0fLo z]o/wgL dxfg'efjx?,
PgPdla a}+s lnld6]8sf] @!cf}+ jflif{s ;fwf/0f ;efdf pkl:yt ;Dk"0f{ z]o/wgL dxfg'efjx?, ljleGg
lgodgsf/L lgsfoaf6 kfNg' ePsf k|ltlglwx?, ;+:yfut ?kdf o; ;fwf/0f ;efdf k|ltlglwTj ug'{ x'g]
k|ltlglwx? nufot ;efdf pkl:yt ;Dk"0f{ dxfg'efjx?nfO{ ;+rfns ;ldltsf] tkm{af6 xflb{s :jfut tyf clejfbg JoQm ub{5' . ljut @! aif{b]lv oxfFx?sf] lg/Gt/ ;xof]u tyf ljZjf;sf nflu PgPdla a}+s
kl/jf/ oxfFx? k|lt xflb{s cfef/L 5 .
cfly{s aif{ @)&@÷)&# a}+ssf] nflu cGoGt} ;'vb\ /Xof] . ;ldIff cjlwdf PgPdla a}+sdf kflye/f ljsf;
a}+s lnld6]8, e[s'6L 8]enkd]G6 a}+s lnld6]8, lSng O{ghL{ 8]enkd]G6 a}+s lnld6]8 / k|'8]lG;on kmfOgfG; sDkgL lnld6]8 ufleO{ ldlt @)&@ sflt{s ! ut]af6 PsLs[t sf/f]af/sf] z'ef/De ePsf] / o; dh{/af6
a}+ssf] k"FhLut cfwf/ alnof] x'g'sf ;fy} zfvf ;+hfndf a[l4 ePsfn] lgIf]k ;+sng tyf shf{ k|jfxdf ;d]t dxTjk"0f{ a[l4 ePsf] Joxf]/f hfgsf/L u/fpFb5' .
PgPdla a}+s lnld6]8sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg af+8kmf+8 lx;fa / gub k|jfx ljj/0f ;lxtsf] jflif{s cfly{s k|ltj]bg oxfFx?n] k|fKt ul/ ;Sg' ePsf] ljZjf; ub}{ sDkgL P]g, @)^# sf] bkmf !)(-$_ adf]lhdsf] ljj/0fx? ;d]t ;dfj]z u/L ;ldIff cjlwdf o; a}+sn] u/]sf] k|ult, cy{tGqsf] ;ldIff tyf ;du| a}+lsË If]qn] ef]u]sf r'gf}tLx? / a}+sn] xfl;n u/]sf pknAwLx? ;lxtsf] ;+rfns ;ldltsf]
k|ltj]bg o; ;efsf] :jLs[ltsf nflu k|:t't ub{5' .
!= ;ldIff aif{sf] sf/f]af/sf] l;+xfjnf]sgM
lgIf]k ;+sngM cf= j= @)&!.&@ Dff a}+sn] ?= #^ cj{ &@ s/f]8 lgIf]k kl/rfng u/]sf]df ;ldIff aif{ cf= j= @)&@.&# df &^=$! k|ltztn] a[l4 eO{ ^$ cj{ &* s/f]8 k'u]sf] 5 . s"n lgIf]kdf ;+:yfut lgIf]ksf] c+z $(=$& k|ltzt /x]sf] 5 . ;ldIff aif{sf] s"n lgIf]kdf rNtL lgIf]ksf] c+z $=!@ k|ltzt, d'2tL lgIf]ksf] c+z $!=^$ k|ltzt, art lgIf]ksf] c+z @*=&$ k|ltzt, dfu]sf] avt ltg'{ kg{] lgIf]k -sn l8kf]lh6_ sf] c+z @@=#@ k|ltzt / cGo lgIf]ksf] c+z #=!* k|ltzt /x]sf] 5 . a}+sn] ;+:yfut lgIf]ksf] c+z g]kfn /fi6« a}+sn] tf]s]sf] k|ltzt leq} /xg] ul/ lgIf]k ;+sng ul/ cfPsf] 5 .
shf{ tyf ;fk6M cf= j= @)&!.&@ Dff a}+sn] ?= @& cj{ @* s/f]8 shf{ nufgL u/]sf]df ;ldIff aif{ cf= j=
@)&@.&# df ($=#) k|ltztn] a[l4 eO{ a}+ssf] shf{ nufgL ?= %# cj{ @ s/f]8 k'u]sf] 5 . ;ldIff aif{df a}+sn] nufgL u/]sf] shf{ ;fk6df l/on :6]6 shf{sf] c+z &=^! k|ltzt, xfplhË shf{sf] c+z !)=#*
k|ltzt, dflh{g n]l08Ë shf{sf] c+z !=%^ k|ltzt, cfjlws shf{sf] c+z !*=#^ k|ltzt, clwljsif{0f
shf{sf] c+z %=*@ k|ltzt, 6«i6 l/l;K6 shf{÷cfoft shf{sf] c+z #=*$ k|ltzt, l8df08 tyf cGo rfn" k"FhL shf{sf] c+z @)=!& k|ltzt, xfo/kr]{h shf{sf] c+z ^=%@ k|ltzt, ljkGg ju{ shf{sf] c+z %=#%
k|ltzt, ljN; v/Lb shf{sf] c+z !=^# k|ltzt / cGo shf{ !(=*% k|ltzt /x]sf] 5 . a}+sn] nufgL u/]sf] s"n shf{df xfO8«f]kfj/ tkm{ !$=#^ k|ltzt, s[lif shf{ tkm{ %=(( k|ltzt, ;fgf tyf demf}nf
pBf]u tkm{ !=(* k|ltzt /x]sf] 5 . a}+sn] k|jfx u/]sf] shf{df pTkfbgd'ns shf{sf] lx:;f #$=!& k|ltzt
/x]sf] 5 . v'b|f, ;fgf tyf demf}nf nufot pTkfbgd'ns If]q tkm{ shf{ nufgLnfO{ a[l4 ub}{ nlug] 5 .
PgPdla a}+s lnld6]8sf] cfly{s jif{ @)&@÷)&# sf] ;+rfns ;ldltsf] jflif{s k|ltj]bg
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
nufgLM cf= j= @)&!.&@ Dff a}+sn] ?= % cj{ (* s/f]8 nufgL u/]sf]df ;ldIff aif{ cf= j= @)&@.&# df $@=!@
k|ltztn] a[l4 eO{ ?= * cj{ %) s/f]8 k'u]sf] 5 . a}+ssf] nufgLdf ;+ul7t ;+:yfsf] z]o/x?df nufgL
?= @^ s/f]8, g]kfn ;/sf/af6 hf/L a08 tyf 6«]h/L ljN;df ?= $ cj{ $) s/f]8, :jb]zL a}+sx?df ?= # cj{ %! s/f]8 / ljb]zL a}+sx?df ?= #@ s/f]8 /x]sf] 5 .
;+rfng vr{M cf= j= @)&!.&@ Dff a}+ssf] cGo ;+rfng vr{ ?= @* s/f]8 *! nfv /x]sf]df ;ldIff aif{ cf= j= @)&@.&# df ^$=#^ k|ltztn] a[l4 eO{ ?= $& s/f]8 #% nfv k'u]sf] 5 . cf= j= @)&!.&@ Dff a}+ssf]
sd{rf/L vr{ ?= @) s/f]8 !* nfv /x]sf]df ;ldIff aif{ cf= j= @)&@.&# df !##=%$ k|ltztn] a[l4 eO{
?= $& s/f]8 !# nfv k'u]sf] 5 . ;~rfng vr{df s]xL a[l4 ePtfklg ;~rfng vr{ :jLs[t jh]6sf] kl/lwleq /x]sf] 5 .
cfDbfgLM cf= j= @)&!.&@ Dff a}+sn] ?= ! cj{ #! s/f]8 s'n ;+rfng cfDbfgL u/]sf]df ;ldIff aif{ cf= j= @)&@.&# df (& k|ltztn] a[l4 eO{ ?= @ cj{ %* s/f]8 k'u]sf] 5 . ;ldIff aif{df a}+ssf] v'b d'gfkmf ut aif{sf] ?= %) s/f]8 ( nfvsf] t'ngfdf !@@=%& k|ltztn] a[l4 eO{ ?= ! cj{ !! s/f]8 k'u]sf] 5 . ;ldIff aif{df a}+ssf] Jofh cfDbfgL ut aif{sf] ?= @ cj{ #! s/f]8sf] t'ngfdf &% k|ltztn] a[l4 eO{ ?= $ cj{ % s/f]8 k'u]sf] 5 . o;}u/L, a}+ssf] /fli6«o tyf cGt/f{li6«o Jofkf/sf] If]qdf u/]sf] sf/f]jf/af6 x'g]
sldzg tyf z'Nssf] cfDbfgLdf ut aif{sf] t'ngfdf *% k|ltztn] j[l4 eO{ ?= $! s/f]8 %& nfv k'u]sf] 5 . ljb]zL ljlgdosf] sf/f]jf/af6 x'g] d'gfkmf ut aif{sf] t'ngfdf #$ k|ltztn] a[l4 eO{ ?= !^ s/f]8 @ nfv k'u]sf] 5 . a}+sn] gofF lsl;dsf If]q tyf ;]jfx?df cfkm\gf] nufgL a9fpFb} nu]sf] / pk/f]Qm pknAwLx? xfl;n x'g'df ;Ifd / bIf Joj:yfkgsf sf/0fn] ubf{ ;Dej ePsf] xf] .
k"FhLsf]if, shf{ lgIf]k, cfwf/ Jofhb/ / t/ntf cg'kftM ;ldIff aif{df k"FhLsf]if kof{Kttf cg'kft g]kfn
/fi6« a}+saf6 tf]lsPsf] !) k|ltzt eGbf dfly !)=(* k|ltzt /x]sf] 5 . To:t}, shf{ lgIf]k cg'kfttkm{ klg a}+sn] bIftfk"j{s shf{ tyf lgIf]ksf] Joj:yfkg u/L &*=^( k|ltztdf sfod /fv]sf] 5 . t/ntf cg'kft
g]kfn /fi6« a}+sn] tf]s]sf] ;Ldfsf] kl/lwleq @&=$% k|ltzt sfod /x]sf] 5 . a}+ssf] cfwf/ Jofhb/ ^=^* k|ltzt /x]sf] 5 .
lgis[o shf{ cg'kftM lgliqmo shf{ ut jif{ )=$@ k|ltzt /x]sf]df ;ldIff jif{df !=*! k|ltzt k'u]sf] 5 .
Do"Ro"cn km08M PgPdla a}+sn] lj=;+= @)&! df PgPdla ;'ne OGe]i6d]G6 km08 gfds Do"Ro"cn km08 hf/L
u/]sf] / ;f]sf] k|ult ;Gtf]ifhgs /x]sf] 5 . ;ldIff aif{df PgPdla xfOla|8 km08 Pn–! sf] nflu cg'dlt
k|fKt ePsf] / of] k|ltj]bg tof/ kfbf{sf] lbg;Dd pQm km08 afF8kmfF8 ;d]t eO{;s]sf] 5 .
C0fkqM cf= j= )&!÷&@ df a}+saf6 laqmL ePsf] %) s/f]8sf] C0fkq ldlt @)&& efb| % df kl/kSj
x'g]5 . C0fkq e'QmfgLsf nflu a}+sn] k|To]s aif{ lglZrt /sd 5'6\ofO{ C0fkq e'QmfgL sf]ifdf /fVb} cfPsf] 5 . xfn;Dd of] sf]ifdf !@ s/f]8 && nfv hDdf ePsf] 5 .
7
;ldIff aif{df a}+ssf] ljQLo cj:yfsf] d'Vo emns lgDg adf]lhdsf] /x]sf] 5 .
-¿= xhf/df_
qm=;=qm=;= ljj/0fljj/0f cf= j= )&!.&@ cf= j= )&!.&@ cf= j= )&@.&# cf= j= )&@.&# a[l4 /sd a[l4 /sd j[l4 k|ltztj[l4 k|ltzt
! s"n lgIf]k 3,67,22,918 6,47,81,464 2,80,58,546 76.41
@ s"n shf{ tyf ;fk6 2,72,88,891 5,44,59,411 2,71,70,520 99.57
# s"n nufgL 59,83,872 85,04,126 25,20,254 42.12
$ v'b Jofh cfDbfgL 9,67,368 20,13,282 10,45,914 108.12
% sldzg tyf l8:sfpG6 / cGo ;+rfng cfDbfgL 2,24,886 4,15,721 1,90,835 84.86
^ ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL 1,19,514 1,60,269 40,755 34.10
& s"n ;~rfng cfDbfgL 13,11,767 25,89,272 12,77,505 97.39
* s"n ;~rfng vr{ 2,88,112 4,73,549 1,85,437 64.36
( ;~rfng d'gfkmf -;Defljt gf]S;fgL Joj:yf cl3sf]_ 8,21,840 16,44,411 8,22,571 100.09
!) v'b d'gfkmf 5,00,990 11,15,065 6,14,075 122.57
!! r'Qmf k"FhL 27,32,365 55,18,636 27,86,271 101.97
!@ k"FhL kof{Kttf cg'kft -∞_ 11.13 10.98 -0.15_ -1.35_
-k"FhL kof{Kttf cg'kft @)&# cflZjg d;fGtdf !$=)* k|ltzt /x]sf] 5 ._
Zffvf ;~hfnM
;ldIff jif{df a}+sn] ^( j6f zfvfx?, ^ j6f PS;6]G;g sfp06/x? tyf $( j6f Pl6Pdx?af6 u|fxsx?nfO{ ;]jf k|bfg ul/ cfPsf]df of] k|ltj]bg tof/ kfbf{sf lbg;Dd a}+ssf] zfvf ;+Vof &!,
PS;6]G;g sfp06/sf] ;+Vof & tyf Pl6Pdsf] ;+Vof %& k'u]sf] 5 . If]qut ?kdf a}+ssf] zfvf ;+Vof
k"jf{~rndf @!, dWodf~rndf @%, klZrdf~rndf @!, dWoklZrdf~rndf @ / ;'b'/ klZrdf~rndf @ x'g k'u]sf] 5 . a}+sn] ;fgf tyf demf}nf pBf]ux?nfO{ nufgL ug{sf nflu sf7df8f}+sf] Go"/f]8df SME HUB,
v'b|f a}+lsË Jofkf/sf] If]qdf ljz]if hf]8 lbg] p2]Zon] sf7df8f}+sf] gS;fndf Retail HUB :yfkgf u/]sf] 5 . ;fy}, ljz]if lsl;dsf /fli6«o tyf cGt/f{li6«o ;+:Yffx? tyf ljz]if lsl;dsf] ;]jf lbg'kg]{ u|fxsx?
;d]tnfO{ nlIft u/L sf7df8f}+sf] sflGtky zfvfaf6 Priority Banking ;]jf k|bfg ub}{ cfPsf] 5 . a}+sn]
cfufdL lbgx?df ;]jf gk'u]sf If]qx?df zfvf tyf Pl6Pd ;+Vof a[l4 ul/ u|fxsx?nfO{ yk ;]jf lbg] sfo{nfO{ lg/Gt/tf k|bfg ug]{5 .
u|fdL0f If]qsf hgtfx?nfO{ ;d]t a}+lsË ;'ljwf k|bfg ug]{ p2]Zon] a}+sn] zfvf /lxt -a|fGrn];_ a}+lsË
;]jf k|bfg ub}{ cfPsf] 5 . h;af6 u|fxsx?n] cfkm\g} 3/ b}nf]af6 a}+lsË ;'ljwf kfPsf 5g\ . ;+ej eP;Dd o; k|sf/sf] a}+lsË ;]jfnfO{ b]zsf u|fdL0f If]q tyf a}+lsË ;]jf gk'u]sf :yfgx?df klg lj:tf/ ub}{ nlug] 5 .
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
a}+sn] ;ldIff jif{df dn]l;of tyf ef/tsf # j6f a}+s tyf /]ld6\ofG; sDkgLx?;Fu ToxfF /f]huf/Lsf]
l;nl;nfdf /x]sf g]kfnL bfh'efO{ tyf lblbjlxgLx?sf] cfDbfgLnfO{ o; a}+s dfkm{t\ leq\ofpgsf nflu
;Demf}tf u/]sf] 5 . o:tf] ;Demf}tf ut aif{x?df ;d]t s'j]t, sf]l/of, b'jO{, dn]lzof cflb b]zsf a}+s tyf /]ld6\ofG; sDkgLx?;Fu eO{ o; a}+s dfkm{t\ /]ld6\ofG; sf/f]jf/ eO{/x]sf] 5 . o:tf] lsl;dsf]
;Demf}tfx?af6 a}+sn] ljb]zL d'b|fsf] lgIf]ksf] cfwf/sf] bfo/f a9fpg ;Sg] ck]Iff ul/Psf] 5 . a}+sn] cGo ;Defljt b]zx?df ;d]t o; lsl;dsf] ;]jf lj:tf/sf] nflu cfjZos cWoog ul//x]sf] 5 .
ljb]zdf k|ltlglw sfof{noM
a}+sn] dn]lzofsf] SjfnfnDk"/ l:yt n]a'x k;f/ a];f/l:yt lj:df :6]«6;\ 6«]l8Ë lalN8Ëdf :yfkgf u/]sf] ;Dks{ sfof{non] ;Dks{ laGb'sf ?kdf /lx a}+ssf] /]ld6\ofG; nufot cGo Joj;fo a[l4sf nflu sfo{ ub}{ cfPsf] 5 . o;af6 b'O{ b]zaLr Jofkf/ clea[l4 x'g'sf ;fy} g]kfnL cy{tGq Pj+ pknJw ljQLo ;]jf ;DjGwdf hfgsf/L cfbfgk|bfg ug{ ;xof]u ldn]sf] 5 . ;fy}, k|ltlglw sfof{non] dn]lzog Joj;foLx? tyf ljb]zl:yt cGo ;+:yfx?;Fusf] Jofkfl/s sf/f]af/nfO{ ;xh agfpg] tkm{ ;Dks{ laGb'sf
?kdf /lx sfo{ ub}{ cfPsf] 5 .
@= /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/nfO{ k/]sf] c;/M
cGt/f{li6«o cfly{s kl/b[ZoM
cGt/f{li6«o d'b|f sf]ifn] ljZj cy{tGqsf] j[l4b/ ;g\ @)!^ df #=@ k|ltzt / ;g\ @)!& df #=% k|ltzt /xg] cg'dfg u/]sf] 5 . ljsl;t d'n'sx?sf] cy{tGq ;g\ @)!^ df !=( k|ltztn] / ljsf;zLn tyf pbLodfg cy{tGqx?sf] j[l4b/ ;g\ @)!^ df $=! k|ltzt tyf ;g\ @)!& df $=^ k|ltzt /xg] k|If]k0f 5 .
;g\ @)!^ df ef/tsf] cy{tGq &=% k|ltzt tyf rLgsf] cy{tGq ^=% k|ltztn] a9\g] sf]ifsf] k|If]k0f 5 . k]6«f]lnod kbfy{, wft' nufotsf j:t'x?sf] d"No Go"g :t/df /x]sfn] pbLodfg tyf ljsf;zLn cy{tGqsf]
d'b|f:kmLlt b/ ;g\ @)!^ df $=% k|ltzt /xg] sf]ifsf] k|If]k0f 5 . ;g\ @)!^ df ef/tsf] %=# k|ltzt / rLgsf] !=* k|ltzt d'b|f:kmLlt b/ /xg] k|If]k0f 5 . ;g\ @))* sf] ljQLo ;+s6 kZrft\ ljsl;t d'n'ssf s]Gb|Lo a}+sx?n] cjnDag ub}{ cfPsf] df}lb|s gLltsf] u}/–k/Dk/fjfbL] c8fgdf s]xL kl/jt{g b]lvPsf]
5 . cd]l/sL km]8]/n l/he{n] Aofhb/nfO{ Go"g ;Ldfdf /fVb} cfPsf]df /f]huf/ ahf/df cfPsf] ;'wf/;Fu}
;g\ @)!% l8;]Da/df km]8]/n km08 /]6sf] 6fu]{6 /]GhnfO{ )=@% k|ltzt ljGb'n] j[l4 u/L df}lb|s gLltnfO{
;fdfGoLs/0f ub}{ n}hfg] ;+s]t u/]sf] 5 . kmn:j?k, cd]l/sL 8n/ yk alnof] eO{ g]kfnL ?k}ofF s]xL sdhf]/ ag]sf] 5 . Hffkfg tyf :jL6\h/Nof08 h:tf d'n'sx?n] C0ffTds Aofhb/ gLlt cjnDag u/]sf
5g\ eg] o'/f]k]nL s]Gb|Lo a}+sn] Aofhb/nfO{ Go"g ;Ldfdf /fVb} cfPsf] 5 . kl5Nnf] ;do ef/t tyf rLgn] ;d]t nlrnf] df}lb|s gLlt cjnDag ub}{ cfPsf 5g\ . ->f]tM df}lb|s gLlt )&#÷)&$_
9
cfGtl/s cfly{s l:yltM
cfly{s jif{ @)&@÷&# Dff s'n ufx{:Yo pTkfbg j[l4b/ nlIft ^ k|ltzteGbf cToGt Go"g )=^ k|ltzt
-pTkfbssf] d"Nodf_ /xg] cg'dfg 5 . df};dL k|lts"ntfsf] sf/0f s[lif If]qsf] pTkfbg j[l4b/ !=# k|ltzt,
e"sDksf] k|efj / ;Ldf gfsf ;[lht cfk"lt{ Jojwfgsf sf/0f u}/–s[lif If]qsf] j[l4b/ )=^ k|ltzt /xg] cg'dfg 5 . cfly{s jif{ @)&!÷&@ df s'n ufx{:Yo pTkfbg j[l4b/ @=& k|ltzt /x]sf] lyof] . cfly{s jif{ @)&@÷&#
df s'n ufx{:Yo pTkfbgdf pkef]usf] cg'kft ($=& k|ltzt / o;sf] kl/0ffd:j?k s"n ufx{:Yo artsf] cg'kft %=# k|ltzt /xg] b]lvG5 . s'n /fli6«o art cg'kft eg] $@=( k|ltzt /xg] cg'dfg 5 . s'n l:y/
k'FhL lgdf{0f cg'kft eg] @% k|ltzt /xg] b]lvG5 . cfGtl/s ljQLo ;fwgsf] pRr pknAwtfsf] t'ngfdf Go"g nufgL l:ylt g]kfnsf] s]xL jif{otfsf] k|j[lQ xf] . kmn:j?k, g]kfnsf] rfn' vftf pNn]Vo artdf /xFb} cfPsf]
5 . cfly{s jif{ @)&@÷&# df jflif{s cf};t d'b|f:kmLlt b/ *=% k|ltzt /xg] k|If]k0f lyof] . ;Ldf gfsf ;[lht cfk"lt{ Jojwfgsf sf/0f rfn' cfly{s jif{sf] P3f/ dlxgfsf] cf};t pkef]Qmf d'b|f:kmLlt b/ (=( k|ltzt /x]sf] 5 . cl3Nnf] jif{ o:tf] d'b|f:kmLlt b/ &=@ k|ltzt /x]sf] lyof] . jflif{s ljGb'ut cfwf/df @)&# h]7 dlxgfdf pkef]Qmf d'b|f:kmLlt b/ !!=! k|ltzt /x]sf] 5 . o; cjlwdf vfB tyf k]o kbfy{ ;d"xsf] d"No j[l4b/ !!=( k|ltzt / u}/–vfB tyf ;]jf ;d"xsf] d"No j[l4b/ !)=% k|ltzt /x]sf] 5 . cfly{s jif{ @)&@÷&# sf nflu
g]kfn ;/sf/n] ?= *!( ca{sf] ah]6 ;fj{hlgs u/]sf] lyof] . o; dWo] k'FhLut vr{ ?= @)( ca{ / rfn' vr{ ?= $*$ ca{ /xg] cg'dfg ul/Psf]df @)&# c;f/ @$ ut];Dd gub k|jfxdf cfwfl/t k'FhLut vr{ ##=@ k|ltzt / rfn" vr{ ^%=! k|ltzt ePsf] 5 . cfly{s jif{ @)&@÷&# sf] P3f/ dlxgf;Dddf zf]wgfGt/ l:ylt ?= !&! ca{ !% s/f]8n] artdf 5 . cfoft ;+s'rgsf sf/0f zf]wgfGt/ art pNn]Vo /x]sf] xf] . pRr zf]wgfGt/ art /x]sf] kl/0ffd:j?k @)&# h]7 d;fGtdf ljb]zL ljlgdo ;+lrlt ?= !)@! ca{ &$ s/f]8
k'u]sf] 5 . cfly{s jif{ @)&@÷&# sf] df}lb|s gLltdf sDtLdf * dlxgfsf] j:t' tyf ;]jf cfoft wfGg] nIo /flvPsf]df ljb]zL ljlgdo ;+lrlt nlIft :t/eGbf w]/} dfly /x]sf] 5 . zf]wgfGt/ artsf] d'Vo cfwf/ ljk|]if0f cfk|jfxsf] j[l4b/df lu/fj6 cfO/x]sf] 5 . ;dli6ut cfly{s :yfloTjdf v]n]sf] e"ldsfnfO{ b[li6ut
ubf{ ljk|]if0f cfk|jfxdf xfn b]lvPsf] ;':ttfn] g]kfnL cy{tGqsf] Joj:yfkgdf r'gf}tL yKg] b]lvG5 . @)&@ c;f/ d;fGtsf] t'ngfdf @)&# c;f/ @( ut] g]kfnL ?k}ofF cd]l/sL 8n/;Fu %=^ k|ltztn] cjd"Nog ePsf]
5 . cl3Nnf] jif{sf] ;f]xL cjlwdf g]kfnL ?k}ofF cd]l/sL 8n/;Fu %=# k|ltztn] cjd"Nog ePsf] lyof] . @)&# c;f/ @( ut] cd]l/sL 8n/ Pssf] ljlgdo b/ ?= !)&.!# k'u]sf] 5 . @)&@ c;f/ d;fGtdf pQm ljlgdo
b/ ?= !)!.!$ /x]sf] lyof] . ->f]tM df}lb|s gLlt )&@÷)&#_
;du|df b]zsf] s[lif tyf u}/ s[lif If]qsf] a[l4b/df ;+s'rg cfpg'sf ;fy} @)&@ j}zfv !@ ut]sf] e"sDksf]
c;/, ljk|]if0fsf] cfk|jfxsf] a[l4b/df lu/fj6 tyf ljsf; vr{df sdLsf sf/0fx?n] d'n'ssf] ;du|
cfly{s ultljlwdf gsf/fTds k|efj kf/]sf] x'Fbf s"n ufx{:Yo pTkfbgsf] a[l4b/ Go"g /xg uPsf sf/0f a}+lsË If]qsf] Joj;fosf] lj:tf/df o;sf] c;/ b]lvPsf] 5 . t/ klg ljsf;zLn l5d]sL d'n'sx?sf]
cfly{s a[l4af6 x'g ;Sg] kmfObfx? tyf a}+lsË If]qsf] Joj;fosf] lj:tf/df b]lvPsf] c;/nfO{ Go"lgs/0f ug{sf nflu g]kfn /fi6« a}+sn] lnPsf sbdx?sf sf/0f s]xL dfqfdf ePklg a}+lsË If]qnfO{ /fxt
k'u]sf kfO{G5 . o; a}+sn] /fli6«o tyf cGt/f{li6«o kl/l:yltx?af6 >[lht Jojwfgx?nfO{ plrt Jo:yfkg
ub}{ cuf8L a9g ;Ifd ePsf] 5 .
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
#= rfn' aif{sf] pknlAw / eljiodf ug'{kg]{ s'/fsf] ;DaGwdf ;+rfns ;ldltsf] wf/0ffM
a}+ssf] rfn' cfly{s aif{ @)&#÷)&$ sf] cflZjg dlxgf;Ddsf] k|d'v ljQLo emnsx? lgDgfg';f/ /x]sf] 5 M
-¿= xhf/df_
qm=;=qm=;= ljj/0fljj/0f! s"n lgIf]k 6,55,85,352
@ s"n shf{ tyf ;fk6 5,60,60,407
# s"n nufgL 90,70,725
$ v'b Jofh cfDbfgL 6,33,292
% sldzg tyf l8:sfpG6 / cGo ;+rfng cfDbfgL 1,39,193
^ ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL 61,889
& s"n ;~rfng cfDbfgL 8,34,375
* s"n ;~rfng vr{ 2,90,916
( ;~rfng d'gfkmf -;+Defljt gf]S;fgL Joj:yf cl3sf]_ 5,43,459
!) v'b d'gfkmf 3,53,684
!! r'Qmf k"FhL 54,30,062
!@ hu]8f tyf sf]ifx? 41,96,960
!# k"FhL kof{Kttf cg'kft -∞_ 14.08
efjL of]hgfM
a}+sn] cfkm\gf ljleGg zfvfx? Dffkm{t\ a}+lsË kxF'r gk'u]sf] hg;+VofnfO{ a}+lsË kxF'r k'¥ofO{ lghx?nfO{ a}+s vftf vf]Ng tyf art ug]{ afgLsf] ljsf; ug{ k|f]T;fxg ub}{ cfPsf] 5 . o;sf nflu a}+sn] Ps 3/
Ps vftf cleofg ;+rfng ub}{ cfPsf] 5 . of] cleofgnfO{ eljiodf ;d]t lg/Gt/tf lbO{g]5 .
a}+sn] s[lif / ;fgf tyf demf}nf shf{x?sf] cfsf/nfO{ a[l4 ub}{ n}hfg] /0fgLlt lnPsf] 5 . ;fy} a}+sn]
hnljB't, gljs/0fLo pmhf{ nufot pTkfbgd'ns If]qdf shf{ nufgL a[l4 ug{ ljz]if Wofg lbg]5 . ;f]sf
nflu Joj;flos ;DefJotf ePsf] :yfgx?df a}+ssf] zfvf ;+hfn lj:tf/ ug]{ sfo{nfO{ k|fyldstf lbO{g]5 . u|fxsx?nfO{ bIftfk"j{s / ;xL a}+lsË ;]jf pknAw u/fpg k|fljlws ?kdf a}+snfO{ bIf agfpg] / xfn
eO{/x]sf] k|ljlwx?nfO{ cfjZostf cg';f/ cBfjlws ug]{ sfo{ ul/g]5 .
a}+ssf] ljk|]if0f sf/f]jf/ a[l4 ug{sf nflu ljleGg b]zx?df Ph]G6x? lgo'Qm ug]{ tyf ;f]sf] cg'udg tyf ljk|]if0f sf/f]jf/sf] a[l4sf nflu a}+saf6 sd{rf/L v6fpg] tyf ljleGg ljk|]if0f ;]jf k|bfosx?;+u
;Demf}tf u/L a}+s dfkm{t ljk|]if0f leq\ofpg kxn ul/g] 5 .
le;f 8]lj6 tyf qm]l86 sf8{sf] Joj;fo lj:tf/df ljz]if Wofg lbO{g] 5 . ;f]sf nflu rfn' cfly{s jif{af6
a}+sn] le;f 8]lj6 tyf qm]l86 sf8{ Kn]6kmd{sf nflu cfkm\g} :jLr k|of]udf Nofpg k|of;/t 5 . o; lsl;dsf] qm]l86 sf8{af6 u|fxsx?n] b]z leq / aflx/ ;d]t ;'ljwf pkef]u ug{ ;Sg]5g\ .
1111
a}+sn] ;xfos sDkgLx?sf] sf/f]jf/sf] cfsf/ a[l4sf nflu ljz]if Wofg lbg]5 . Do"Ro"cn km08sf]
sf/f]jf/ a[l4sf nflu gofF of]hgf ;lxtsf] Do"Ro"cn km08 hf/L ug]{ k|s[of cl3 a9fO{g] 5 .
a}+ssf] ;+:yfut ;fdflhs pQ/bfloTj cGtu{t xfn ;+rfng ul/cfPsf] sfo{qmdx?nfO{ lg/Gt/tf lbOg]5 .
$= cf}Bf]lus tyf Joj;foLs ;DaGwM
a}+sn] cfkm\gf ;a} ;/f]sf/jfnfx?;Fu kf/blz{tf / Jofj;flostfsf cfwf/df ;f}xfb{k"0f{ / Jofj;flos
;DaGw lj:tf/ u/]sf] 5 . a}+ssf] efjL k|ult / ;kmntfsf nflu o:tf ;DaGwx? pko'Qm dfWod x'g] ljZjf; xfdLn] lnPsf 5f}+ .
%= ;+rfns ;ldltdf ePsf] x]/km]/M
@)cf}+ jflif{s ;fwf/0f ;efaf6 lgjf{lrt ;+rfnsx?n] xfn;Dd ;+rfns ;ldltsf] ;b:osf] ?kdf /lx sfo{ ub}{ cfpg' ePsf] / >L gGb lszf]/ /f7L PkmPkmcf], g]b/Nof08;\sf] tkm{af6 ;+rfns /xg' ePsf >L lgsf] lknsf] j}slNks ;+rfnssf] ?kdf lgo'Qm x'g' ePsf] 5 .
^= sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx?M
a}+ssf] sf/f]af/nfO{ c;/ kfg]{ d'Vo hf]lvdx? tyf r'gf}tLx? tn pNn]v ul/P cg';f/ /x]sf 5g\M
™ ljsf; vr{df sdL, ljk|]if0fsf] cfk|jfxsf] a[l4df b]lvPsf] sld cflbsf] sf/0f t/ntfdf cfPsf] ptf/ r9fj / ;f]sf] sf/0f lgIf]k / shf{sf] Aofhb/ Joj:yfkgdf b]lvPsf ;d:ofx?,
™ a}+saf6 k|jfx x'g] shf{ tyf a}+saf6 k|bfg ul/g] u}x|–sf]ifdf cfwfl/t ;]jf ;'ljwfx?af6 x'g;Sg] ;+efljt hf]lvdx?,
™ ljb]zL ljlgdo sf/f]jf/ ubf{ ljlgdo b/df x'g] kl/jt{gaf6 x'g;Sg] ;+efljt hf]lvdx?, ™ b]zsf] /fhg}lts tyf cGo jfXo sf/0fx?af6 cfoft tyf lgof{tdf b]lvPsf] ;d:ofsf sf/0fn] shf{
tyf Jofh e'StfgLdf b]lvPsf] ;d:ofaf6 >[lht hf]lvdx?,
™ /fi6«sf] cfly{s, df}lb|s tyf ljQLo gLlt kl/jt{gaf6 x'g;Sg] ;+efljt hf]lvdx?,
™ cGt/f{li6«o cfly{s tyf ljQLo If]qsf] lzlyntfaf6 g]kfnL ahf/df kg{;Sg] c;/af6 x'g;Sg] hf]lvdx?,
™ j}slNks nufgL If]qsf] cefj tyf cfGtl/s ahf/df b]lvPsf] ;+s'rgsf sf/0f cfDbfgLsf] ;|f]tdf kg{;Sg] c;/x?,
™ Go"g cfly{s j[l4, nfdf] ;dosf] ljB't cfk"lt{ s6f}tL, >d ;d:of, nuftf/sf] aGb x8tfn, dhb"/ ;d:of cflbsf sf/0f cy{tGqdf k/]sf] k|efjsf sf/0f o; If]qdf b]lvPsf c;/x?, cflb .
&= n]vf k/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f]pk/ ;+rfns ;ldltsf] k|lts[ofM
a}+ssf] Joj;fodf tflTjs c;/ kg]{ s}lkmot n]vf kl/If0f k|ltj]bgdf pNn]v gePsf] .
*= nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sdM
;ldIff aif{sf] ljt/0f of]Uo /sdaf6 r'Qmf k"FhLdf !( k|ltzt af]g; z]o/ tyf ! k|ltzt gub nfef+;
-s/ k|of]hgsf nflu_ u/L ?= !,)*,^),!@,$($÷– -cIf]/]lk Ps cj{ cf7 s/f]8 ;f7L nfv afx| xhf/ rf/
;o rf}/fgAa]_ ljt/0f ug]{ k|:tfj ul/Psf] 5 .
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
(= z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] c+lst d"No, To:tf] z]o/ hkmt x'g'eGbf cufl8 g} To;afkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf]
z]o/ hkmt ePkl5 pQm z]o/ laqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/afkt /sd lkmtf{ u/]sf] eP To;sf] ljj/0fM
;ldIff aif{df s'g} klg z]o/ hkmt ePsf] 5}g .
!)= ut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/ k|ult / To;} cfly{s
jif{sf] cGTodf ljBdfg cj:yfsf] k'g/fjnf]sgM
ut cfly{s aif{df sDkgLsf] k|utL a'Fbf g+ ! df pNn]v ul/Psf] 5 . a}+ssf] ;xfos sDkgLx?sf] k|ult a'Fbf g+= @%-v_ df pNn]v ePsf] 5 .
!!= sDkgL tyf o;sf] ;xfos sDkgLn] cfly{s aif{df u/]sf] k|d'v sf/f]af/ / To; cjlwdf sDkgLsf] sf/f]af/df cfPsf] dxTjk"0f{ kl/jt{gM
o; a}+ssf] ztk|ltzt :jfldTjdf /x]sf] ;xfos sDkgL PgPdla Soflk6n lnld6]8n] o; a}+ssf] z]o/ /lhi6«f/sf] sfo{ ;d]t ub}{ cfPsf] 5 . ;xfos sDkgL PgPdla Soflk6ndf a}+ssf Ps sd{rf/LnfO{ k|d'v sfo{sf/L clws[tdf lgo'Qm ul/Psf] 5 . ;xfos sDkgL PgPdla Soflk6n lnld6]8 / PgPdla dfOqmf]kmfOgfG; ljQLo ;+:yf lnld6]8;Fusf] sf/f]jf/x?sf] ljj/0f cg';"lr $=## sf] a'Fbf g+= #& df / cGo ljj/0fx? o;} k|ltj]bgsf] a'Fbf g++ @%-v_ df pNn]v ul/Psf] 5 .
!@= ut cfly{s jif{df sDkgLsf cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] ;"rgf tyf hfgsf/LM
s]xL gePsf] .
!#= ut cfly{s aif{df sDkgLsf ;+rfns tyf kbflwsf/Lx?n] lnPsf] z]o/
:jfldTjsf] ljj/0f / sDkgLsf] z]o/ sf/f]af/df pgLx? ;+nUg ePsf] eP To;;DaGwdf pgLx?af6 sDkgLn] k|fKt u/]sf] hfgsf/LM
s]xL gePsf] .
!$= ut cfly{s jif{df sDkgL;Da4 ;Demf}tfx?df s'g} ;+rfns tyf pgLx?sf] glhssf] gft]bf/sf] JolQmut :jfy{sf af/]df pknAw u/fOPsf] hfgsf/Lsf] Joxf]/fM
o; k|sf/sf] s'g} ;Demf}tf gePsf] .
1313
!%= sDkgLn] cfkm\gf] z]o/ cfkm}+ vl/b u/]sf] eP To;/L cfkm\gf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / c+lst d"No tyf To;/L z]o/ vl/b ubf{ sDkgLn]
e'QmfgL u/]sf] /sdM
;ldIff jif{df cfkm\gf] z]o/ cfkm} vl/b ug]{ sfd gePsf] .
!^= cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP To;sf] lj:t[t ljj/0fM
a}+s ;+rfns ;ldltaf6 g]kfn /fi6« a}+ssf] lgb]{zg tyf a}+ssf] gLlt lgodsf] clwgdf /lx cfGtl/s lgoGq0f k|0ffnLnfO{ dha't agfO{ ljleGg hf]lvdx? Joj:yfkg ul/ a}+snfO{ pTs[i6 Pj+ ;jn?kdf ;+rfng ul/ nufgLstf{x?sf] lxtsf] ;+/If0fsf nflu cfjZos gLlt, sfo{ljlwx? agfO{ nfu' ul/Psf] 5 . a}+sdf /x]sf] hf]lvd Joj:yfkg ljefun] :jtGq ?kdf hf]lvdnfO{ k|efjsf/L ?kdf lgoGq0f
ug]{ tyf Joj:yfkg ug]{ sfo{ ug'{sf ;fy} ;do ;dodf hf]lvd lgoGq0fsf] If]qdf eP u/]sf sfo{x?sf] k'g/fjnf]sg ;d]t ug]{ u/]sf] 5 . pQm ljefun] k|rlnt sfg"g, g]kfn /fi6« a}+såf/f hf/L ul/Psf lgb]{zgx?, a}+ssf] gLlt tyf sfo{ljlwx? Kffngf eP gePsf] s'/fx?sf] cg'udg ul/ a}+sdf ;+yfut ;'zf;g sfod /fVg] sfo{df dxTjk"0f{ of]ubfg ub}{ cfPsf] 5 . a}+ssf] Joj;flos /0fgLltx? tyf a}snfO{ cfjZos /x]sf] dxTjk"0f{ gLltx? ;+rfns ;ldltaf6 :jLs[t u/fO{ nfu' ul/Psf] 5 / ;f]xL adf]ldh a}+s
Joj:yfkgn] hf]lvd Joj:yfkgsf] sfo{ ub}{ cfPsf] 5 .
a}+s ;+rfns ;ldltaf6 k|rlnt sfg"g tyf g]kfn /fi6« a}+saf6 hf/L ul/Psf] lgb]{zgsf] clwgdf /lx ;+rfns ;ldlt txsf n]vf k/LIf0f ;ldlt, hf]lvd Joj:yfkg ;ldlt / dfgj ;+zfwg ;ldlt ul/ tLg j6f ;ldltx? u7g ul/Psf] 5 . tL ;ldltx?df ljleGg hf]lvdx?sf jf/]df kof{Kt 5nkmn x'g] u/]sf] / ;f]sf] af/]df ;+rfns ;ldltnfO{ ;d]t hfgsf/L u/fpg] ul/Psf] 5 . Joj:yfkg txdf pRr
Joj:yfkg ;ldlt, shf{ hf]lvd Joj:yfkg ;ldlt, ;+rfng hf]lvd ;ldlt, ;DklQ tyf bfloTj ;ldlt, dfgj ;+zfwg ;ldlt, ;"rgf tyf k|ljlw ;ldlt tyf ;'zf;g ;ldlt nufotsf ;ldltx?n] a}+ssf]
hf]lvd Joj:yfkg ug{sf nflu ljleGg sfo{ ub}{ cfPsf 5g\ . ;fy}, ;DklQ z'4Ls/0f;Fu ;DalGwt sfg"g
tyf g]kfn /fi6« a}+saf6 hf/L ul/Psf] lgb]{zgx?sf] kfngf ub}{ ;DklQ z'4Ls/0f x''gaf6 hf]ufpg a}+sn] ljif]z k|of; ub}{ cfPsf] 5 .
a}+sn] cfGtl/s lgoGq0f k|0ffnLnfO{ dha't agfO{ ljleGg hf]lvdx? Joj:yfkg ug{sf nflu sd{rf/Lx?nfO{
ljleGg k|sf/sf tflndx? k|bfg ub}{ cfPsf] 5 .
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
;+rfns ;ldltsf] txdf u7g ePsf ;ldltx?M
n]vf k/LIf0f ;ldltM
o; ;DaGwdf a'Fbf g+= !* df pNn]v ul/Psf] 5 . ;+rfns
hf]lvd Joj:yfkg ;ldltM
Pshgf ;+rfnssf] ;+of]hsTjdf a}+sdf hf]lvd Joj:yfkg ;ldltsf] u7g ul/Psf] 5 . n]vf k/LIf0f ;ldltsf ;+of]hsnfO{ hf]lvd Joj:yfkg ;ldltdf kb]g ;b:osf] ?kdf /flvPsf] 5 . hf]lvd Joj:yfkg ljefusf k|d'v ;b:o ;lrj /xg' ePsf] pQm ;ldltdf cg'kfng ljefu k|d'v / k|d'v ;"rgf clws[t ;b:o /xg' ePsf] 5 . Joj:yfkg txsf] hf]lvd ;ldltn] klxrfg u/]sf hf]lvdx?, g]kfn /fi6« a}+saf6 hf/L ePsf] lgb]{zgx?df x'g] d'Vo kl/jt{gx? tyf df}lb|s gLltdf ePsf kl/jt{gx?sf] sf/0faf6 a}+ssf] /0fgLltdf tTsfn} kg]{ k|efjx? tyf k"FhL sf]if, t/ntfsf] cj:yf, shf{ lgIf]k cg'kft, a}+ssf] hf]lvd
jxg Ifdtf, ;+efljt hf]lvdx?sf] ef/ kl/If0f nufotsf d'Vo ljifox?df 5nkmn ug{ o; ;ldltsf] a}7s a:g] u/]sf] 5 . pQm ;ldltdf ePsf] 5nkmnsf] lgisif{ ;+rfns ;ldltdf hfgsf/L÷k'g/fjnf]sgsf] nflu k]z ug]{ ul/Psf] 5 .
sd{rf/L ;]jf ;'ljwf ;ldltM
Pshgf ;+rfnssf] ;+of]hsTjdf sd{rf/L ;]jf ;'ljwf ;ldltsf] u7g ul/Psf] 5 . pQm ;ldltdf k|d'v sfo{sf/L clws[t, gfoa k|d'v sfo{sf/L clws[t, k|d'v ;"rgf clws[t ;b:osf] ?kdf / sd{rf/L k|zf;g ljefusf k|d'v ;b:o ;lrjsf] ?kdf /x]sf 5g\ . sd{rf/Lx?sf] ;]jf ;'ljwf ;DaGwL ljlgodfjnL, sd{rf/L ;DaGwL cGo gLltx? / sd{rf/L pQ/flwsf/L of]hgf, sd{rf/Lx?sf] tnj eQf / ;+u7gfTds ;+/rgf
cflb ljifox?df o; ;ldltdf 5nkmn ug]{ ul/Psf] 5 .
!&= ut cfly{s jif{sf] s"n Joj:yfkg vr{sf] ljj/0fM
;ldIff cf= j= df o; a}+ssf] sd{rf/L vr{ tyf sfof{no ;+rfng vr{ cGtu{tsf Joj:yfkg vr{ ?= ($ s/f]8 $* nfv /x]sf] 5 .
!*= n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, pgLx?n] k|fKt u/]sf] kfl/>lds, eQf / ;'ljwf, ;ldltn] u/]sf sfd sf/afxLsf] ljj/0f / pQm ;ldltn] s'g} ;'emfj lbPsf] eP To;sf] ljj/0fM
a}+sn] g]kfn /fi6« a}+ssf] lgb]{zgdf pNn]v eP adf]lhd ;+rfnssf] ;+of]hsTjdf yk Pshgf
;+rfns ;b:o / cfGtl/s n]vf k/LIf0f ljefusf k|d'v ;b:o ;lrj /xg] ul/ lgDg adf]lhdsf] n]vf k/LIf0f ;ldltsf] u7g ul/Psf] 5 .
>L xl/ZrGb| ;'j]bL – ;+of]hs
>L lhjgdfg hf]zL – ;b:o >L u0f]z k/fh'nL – ;b:o ;lrj
1515
n]vf k/LIf0f ;ldltn] g]kfn /fi6« a}+sn] n]vf k/LIf0f ;ldltsf] nflu tf]s]sf] lgb]{zgsf] kl/lwleq /xL
cfkm\gf] sfo{ ;Dkfbg ub}{ cfPsf]] 5 . n]vf k/LIfsaf6 k|fKt k|To]s k|ltj]bgsf ;DaGwdf n]vf k/LIf0f ;ldltdf 5nkmn tyf k'g/fjnf]sg u/L ;'wf/sf] nflu cfjZos lgb]{zg lbg] u/]sf] 5 . ;ldltn] n]vf
k/LIf0f sfo{af6 k|To]s hf]lvdsf If]qx?nfO{ klxrfg u/L k|ltj]bgdf ;f]sf] ;Daf]wg eP gePsf] eGg] ljifodf ljZj:t x'g] u/]sf] 5 . n]vf k/LIfsaf6 k|fKt ePsf] k|ltj]bgnfO{ n]vf k/LIf0f ;ldltdf 5nkmn
tyf k'g/fjnf]sg u/L ;do ;dodf ;+rfns ;ldltdf k]z ug]{ ul/Psf] 5 . n]vf k/LIf0f ;ldltaf6
lgoldt ?kdf ;+rfns ;ldltdf ;'emfjx? k|fKt eO{/x]sf] 5 . ;fy}, rfn' cfly{s aif{b]lv a}+sn] hf]lvddf cfwfl/t cfGtl/s n]vf k/LIf0f -Risk Based Internal Audit_ z'? ul/;s]sf] 5 .
;ldIff aif{df n]vf k/LIf0f ;ldltsf] @& j6f a}+7s a;]sf] lyof] . pQm ;ldltsf ;b:ox?nfO{ k|lt a}7s
?=!@,)))÷– a}7s eQf k|bfg ul/Psf] 5 . ;b:o ;lrjnfO{ a}7s eQf k|bfg ug]{ ul/Psf] 5}g .
!(= ;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v jf cfwf/e"t z]o/wgLx? jf ltgLx?sf glhssf gft]bf/x? jf lghx?sf] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP To;sf] ljj/0fM
;ldIff aif{df To:tf] s'g} /sd gePsf] .
@)= ;+rfns, sfo{sf/L k|d'v tyf cGo kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf jf cGo ;'ljwfsf] /sdM
o;} k|ltj]bgsf] cg';"rL æsÆ cg';f/ .
@!= z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+z /sdM
a}+sn] 3f]if0ff u/]sf] nfef+z dWo] cfly{s jif{ @)&@÷&# sf] cGTo;Dddf z]o/wgLx?af6 bfaL gcfPsf] /sd
?= #,$),!#,#%(÷– /x]sf] 5 . z]o/wgLx?nfO{ nfef+z /sd a'emL lng cfpg] jf/]sf] hfgsf/Lsf] ;'rgf x/]s aif{ /fli6«o b}lgs klqsfdf k|sflzt ug]{ ul/Psf] / a}+ssf] j]a;fO{6 www.nmb.com.np df uO{ x]g{ ;lsg] Aoj:yf ldnfO{Psf] 5 .
@@= sDkgL P]g, @)^# sf] bkmf !$! cg';f/ v/Lb jf laqmL ul/Psf] ;DklQsf] ljj/0fM
;dLIff jif{df a}+sn] sfof{no lgdf{0f ug]{ k|of]hgsf nflu sf7df8f}+ lhNnf, sf7df8f}+ dxfgu/kflnsf j8f g+= #!, sdnfbLdf % /f]kgL hUuf vl/b u/]sf] 5 .
@#= sDkgL P]g, @)^# sf] bkmf !&% cg';f/ ;Da4 sDkgLx?aLr ePsf] sf/f]af/sf] ljj/0fM
o;} k|ltj]bgsf] a"Fbf g+= !! df rrf{ ul/Psf] 5 .
@$= sDkgL P]g, @)^# tyf k|rlnt sfg"g adf]lhd ;+rfns ;ldltsf] k|ltj]bgdfv'nfpg'kg]{ cGo s'g} s'/fx?M
o; aflif{s k|ltj]bgdf ;fGble{s 7fpFx?df v'nfOPsf] 5 .
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
@%= cGo cfjZos s'/fx? M
-s_ PkmPdcf]n] z]o/ :jfldTj a[l4 u/]sf] ;DaGwdf
o; a}+ssf] @)cf+} aflif{s ;fwf/0f ;efaf6 Nederlandse Financierings-Maatschappij Voor Ontwikkelings
landen N. V. (FMO) sf] xsdf r'Qmf k"FhLsf] slDtdf @) k|ltzt z]o/ nufgL a[l4 ug{sf nflu pQm ;+:yfsf]
xsdf ;+rfns ;ldltn] tf]s] adf]lhdsf] kl/df0f / d"Nodf gofF z]o/ lgisfzg ug{ tyf ;f]xL adf]lhd a}+ssf] k"FhL a[l4 ug{ ;+rfns ;ldltnfO{ clwsf/ k|bfg u/] adf]lhd o; a}+s / FMO sf] aLrdf ldlt
!$ ;]K6]Da/ @)!^ df pQm ;+:yfn] k|lt lsQf c+lst d"No ?= !,))÷– df ?= !%)÷– lk|ldod yk u/L hDdf k|lt lsQf d"No ?= @%)÷– sf b/n] z]o/ vl/b laqmL ug]{ ul/ ;Demf}tf eO{ pQm ;+:yfsf] xsdf k|lt lsQf d"No ?= @%)÷– df ($,#!,#*$ -cIf/]lk rf}/fgAa] nfv PstL; xhf/ tLg ;o rf}/f;L dfq_ lsQf gofF z]o/ lgisfzg eO{ afF8kmfF8 ;d]t eO{;s]sf] 5 .
PkmPdcf] lgb/n}08;\ cGt/f{li6«o ?kdf /fd|f] 5jL ePsf] Standard & Poor’s / Fitch h:tf ;+:yfx?n] AAA /]l6Ë u/]sf] lgb/n}08 ;/sf/ ;d]tsf] nufgL /x]sf] cGt/f{li6«o ljsf; a}+s xf] . pQm a}+ssf] ljZjsf *% b]zx?df pkl:ylt /x]sf] 5 . pQm a}+ssf] nufgL a[l4af6 o; a}+ssf] dfq geO{ ;du| a}+lsË
If]qnfO{ ;xof]u k'Ug]5 . pmhf{{ If]qsf] ljsf;df pQm ;+:yfn] ljif]z hf]8 lbg] ePsfn] ;du| cfly{s If]qdf pQm a}+ssf] pkl:yltn] ;sf/fTds ;Gb]z hfg] Joxf]/f ;d]t cg'/f]w ub{5f}+ .
-v_ ;xfos sDkgL / o;sf k|ultx? .
PgPdla Soflk6n lnld6]8
a}+sn] O{Ge]i6d]06 a}+lsË lqmofsnfknfO{ lg/Gt/tf lbgsf nflu a}+ssf] k"0f{ :jfldTjdf /xg] u/L ?= !) s/f]8 k"FhL nufgL u/L ;xfos sDkgLsf] ?kdf PgPdla Soflk6n lnld6]8sf] :yfkgf u/]sf] xf] . cf= j=
@)&!÷&@ df o; sDkgLn] pNn]Vo k|ult xfl;n ug{ ;kmn ePsf] 5 . cf= j= @)&!÷&@ df sDkgLsf] v'b gfkmf cl3Nnf] aif{sf] t'ngfdf @# k|ltztn] a[l4 eO{ ?= @ s/f]8 ^& nfv k'u]sf] 5 . sDkgLn] ;ldIff jif{df lwtf]kq lgZsfzg tyf laqmL k|jGwsTjaf6 ut cfly{s aif{ eGbf @) k|ltztn] cfDbfgLdf a[l4
u/]sf] 5 . ahf/df b]lvPsf] clws t/ntfsf afjh'b sDkgLn] Aofhaf6 k|fKt ug]{ cfDbfgL cl3Nnf] aif{s}
xf/fxf/Ldf /fVg ;kmn ePsf] 5 . o; ;xfos sDkgLaf6 cf= j= @)&)÷&! sf] @!=)% k|ltztsf b/n] nfef+z k|fKt ePsf]df cf= j= @)&!.)&@ df ;d]t nfef+z /sd @!=)% k|ltztsf b/n]] k|fKt ePsf] 5 .
cfly{s jif{ @)&@÷)&# sf s]xL pknAwLx? o; k|sf/ /x]sf 5g\M
!= ;xfos sDkgL PgPdla Soflk6nn] ;ldIff aif{df lgisf;g tyf laqmL k|jGws, z]o/ /lh6«f/, k|Tofe"lt,
6«li6 ;]jfx?nfO{ lg/Gt/tf lbO{ cfPsf] 5 . sDkgLn] u|fxsx?nfO{ z]o/ cef}lts/0f ;]jf k|bfg ug{sf nflu alnof] k"jf{wf/ v8f u/]sf] 5 .
@= o; ;xfos sDkgL a}+saf6 hf/L Do"r'cn km08 æPgPdla ;'ne OGe]i6d]G6 km08 !Æ sf] nufgL
Joj:yfks tyf l8kf ]lh6/Lsf] ?kdf sfo{ ub}{ cfPsf] 5 . o; sDkgLn] g]kfn lwtf]kq af]8{af6 :jLs[lt lnO{ cflZjgsf] klxnf] xKtfaf6 Do"r'cn km08sf] k|fylds z]o/ lg:sfzg z'? u/]sf] 5 .
1717
PgPdla Soflk6n lnld6]8jf;nft
@)&# cfiff9 d;fGtsf] jf;nft
k"FhL tyf bfloTjk"FhL tyf bfloTj rfn' jif{ -?=_rfn' jif{ -?=_ ut jif{ -?=_ut jif{ -?=_
!= z]o/ k"FhL 10,00,00,000.00 10,00,00,000.00
@= hu]8f tyf sf]ifx? 5,24,35,461.75 4,67,05,320.23
#= e'QmfgL lbg'kg]{ bfloTjx? 4,89,58,821.68 5,12,38,74,085.69
$= k|:tfljt tyf e'QmfgL lbg afFsL nfef+z – –
%= cfos/ bfloTj 3,38,95,844.01 2,45,14,964.59
^= cGo rfn' bfloTj tyf Joj:yfx? 66,52,707.67 63,19,521.61
s"n k"FhL tyf bfloTj s"n k"FhL tyf bfloTj 24,19,42,835.11 24,19,42,835.11 5,30,14,13,892.12 5,30,14,13,892.12
;Dklt;Dklt rfn' jif{ -?=_rfn' jif{ -?=_ ut jif{ -?=_ut jif{ -?=_
!= gub df}Hbft 1,100.00 1,100.00
@= a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft 11,89,07,426.24 5,17,84,23,112.63
#= nufgL 6,07,93,080.00 6,67,73,570.00
$= l:y/ ;DklQ 29,83,381.05 44,30,837.69
%= cGo ;DklQ 5,92,57,847.82 5,17,85,271.80
hDdfhDdf 24,19,42,835.11 24,19,42,835.11 5,30,14,13,892.12 5,30,14,13,892.12
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
PgPdla Soflk6n lnld6]8gfkmf gf]S;fg lx;fj
@)&@ >fj0f ! ut]b]lv @)&# cfiff9 #! ut] ;Ddsf] gfkmf gf]S;fg lx;fj ljj/0f
ljj/0fljj/0f rfn' jif{ -?=_rfn' jif{ -?=_ ut jif{ -?=_ut jif{ -?=_
Joj;foLs cfDbfgL
lwtf]kq Joj:yfkgaf6 cfDbfgL 2,72,20,745.40 2,02,38,786.90
z]o/ /lhi6«f/ ;]jfaf6 cfDbfgL 43,59,104.48 51,93,320.63
k|Tofe"lt ;]jfaf6 cfDbfgL – 8,37,527.00
nufgL Joj:yfkgaf6 cfDbfgL 2,41,80,137.50 1,17,97,910.49
cGo cfDbfgL 21,16,891.74 2,35,598.90
Aofh cfDbfgL 76,47,370.26 2,15,65,878.03
s'n Joj;foLs cfDbfgL 6,55,24,249.38 5,98,69,021.95
sd{rf/L tyf k|zf;lgs vr{ M 2,62,15,975.19 1,71,44,692.17
sd{rf/L ;DaGwL vr{x? 1,28,01,666.96 64,76,656.85
sfof{no tyf k|zf;lgs vr{x? 1,34,14,308.23 1,06,68,035.32
;~rfng d'gfkmf 3,93,08,274.19 4,27,24,329.78
u}/ ;~rfng cfDbfgL÷gf]S;fg – –
lgoldt sf/f]jf/af6 ePsf] d'gfkmf 3,93,08,274.19 4,27,24,329.78
c;fdfGo sf/f]jf/af6 ePsf] cfDbfgL÷vr{ – –
af]g; tyf s/ cl3sf] d'gfkmf 3,93,08,274.19 4,27,24,329.78
sd{rf/L af]g; Joj:yf 35,73,479.47 38,84,029.98
s/ cl3sf] d'gfkmf 3,57,34,794.72 3,88,40,299.80
cfos/ Joj:yf 89,52,021.62 97,10,074.95
o; aif{sf] s/ Joj:yf 93,80,879.42 1,00,38,308.82
ljut jif{sf] s/ Joj:yf – –
:yug s/ vr{÷-cfDbfgL_ -4,28,857.80_ -3,28,233.87_
s/ kl5sf] v'b d'gfkmf 2,67,82,773.10 2,91,30,224.85
1919
PgPdla dfOqmf]kmfOgfG; ljQLo ;+:yf lnld6]8
PgPdla a}+ssf] ;xfos sDkgLsf] ?kdf /x]sf] o; ljQLo ;+:yfsf] hf/L k"FhL ?= $ s/f]8 ^) nfv
/x]sf]df PgPdlj a}+ssf] %! Kf|ltzt, cGo ;+:yfks JolQmsf] !( k|ltzt / ;j{;fwf/0fsf] #) k|ltzt z]o/
:jfldTj /x]sf] 5 . kf]v/f pkdxfgu/kflnsf j8f g+= @( ldngrf]s, x]Dhf, sf:sLdf d'Vo sfof{no /x]sf] o; ljQLo ;+:yfn] lxdfNfL tyf kxf8L If]qsf lhNnfx?df $@ j6f zfvf ;+rfng u/]sf] 5 .
o; ljQLo ;+:yfn] @)&# ;fn cflZjg d;fGt ;Dddf b]zsf ljs6 lxdfnL tyf kxf8L If]qsf #)! uflj;sf #(,$*# 3/kl/jf/x?nfO{ pgLx?sf] 3/b}nf]df jrt, shf{, jLdf h:tf ljQLo ;]jf k|bfg ug'{sf
;fy} ljleGg ;+3 ;+:yfx?;Fu ;xsfo{ u/L :yfgLo :t/df ;fdflhs sfo{df xf};nf k|bfg ug{] tyf ;xhstf{sf] e"ldsf lgjf{x ug{] sfo{ ul//x]sf]] 5 . o; ;+:yfsf] @)&# cflZjg d;fGtdf shf{ k|jfx
?= ! cj{, ^ s/f]8, ^% nfv / lgIf]k jrt ?= @# s/f]8 #! nfv /x]sf] 5 . o; ;xfos sDkgLaf6 cf= j= @)&!.)&@ sf] nfef+zaf6 !% k|ltztsf b/n]] jf]g; z]o/ k|fKt ePsf] 5 .
cfly{s jif{ @)&@÷)&# sf s]xL pknlAwx? o; k|sf/ /x]sf lyPM
o; ;+:yfn] o; cjlwdf lgodfg';f/ r'Qmf k"FhL ?= $,^),)),)))÷– -rf/ s/f]8 ;f7\7L nfv_ sf] !M!=@ sf] cg'kftdf ?= %,%@,)),)))÷– -kfFr s/f]8 afpGg nfv ?k}ofF_ xsk|b z]o/ lg:sfzg ug]{ ljif]z
;fwf/0f ;efaf6 lg0f{o eO{;s]sf] 5 . pQm xsk|b z]o/ lgZsfzg kZrft ;+:yfsf] hf/L tyf r'Qmf k"FhL ?= !),!@,)),)))÷– -bz s/f]8 jfx| nfv ?k}ofF_ k'Ug] ePsf] 5 .
ljQLo ;+:yfn] cfly{s jif{ @)&@÷)&# df yk & j6f zfvfx? lj:tf/ u/]sf] 5 .
ljQLo ;+:yfn] o; cjlwdf r'Qmf k"FhLsf] ^% k|ltzt v'b d'gfkmf cfh{g ug{ ;kmn eO{ r'Qmf k"FHfLsf] @% k|ltztn] x'g cfpg] /sdnfO{ jf]gz z]o/sf] ?kdf / jf]gz z]o/ jfkt nfUg] s/ k|of]hgsf] nflu
cfjZos /sd gub nfef+z ljt/0f ug{ ;Ifd ePsf] 5 .
ljQLo ;+:yfn] ljleGg /]ld6\ofG; sDkgL;Fusf] ;xsfo{df /]ld6\ofG; ;]jf k|bfg ul/ cfPsf] 5 .
ljQLo ;+:yfn] ljg/s OG6/g];gn / cfs{ kmfOgfG;;Fusf] ;xsfo{df ljleGg gljs/0fLo pmhf{ k|j{4g
sfo{qmd;DaGwL ljleGg pTkfbg ljqm]tf sDkgLx?;Fusf] ;xsfo{df ;~rflnt gljs/0fLo pmhf{ kl/of]hgf cGtu{t ljkGg ju{ ;d'bfonfO{ ;f}o{ 6'sL, ;f]nf/ aQL / 3/fo;L ;f]nf/sf] vl/bsf nflu ljleGg ljqm]tf
sDkgL;Fu ;Demf}tf u/L j}slNks pmhf{ shf{ nufgL ug]{ To;sf] nflu sd{rf/L tyf u|fxsnfO{ j}slNks pmhf{;Fu ;DalGwt tflnd k|bfg ug{] sfo{sf] z'?cft ePsf] 5 .
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
PgPdla dfOqmf]kmfOgfG; ljQLo ;+:yf lnld6]8jf;nft
@)&# cfiff9 d;fGt
k"FhL tyf bfloTj k"FhL tyf bfloTj o; aif{ ?=o; aif{ ?= ut aif{ ?=ut aif{ ?=
!= z]o/ k"FhL 8,56,52,000 4,60,00,000
@= hu]8f tyf sf]ifx? 2,15,49,967 37,91,321
#= C0fkq tyf aG8
$= ltg{ af+sL shf{ ;fk6 86,05,07,964 45,08,34,786
%= lgIf]k bfloTj 19,27,34,644 8,48,06,388
^= k|:tfljt nfef+z 6,05,263 3,15,790
&= cfos/ bfloTj 1,20,216
*= cGo bfloTj 1,57,75,687 53,67,205
s"n k"FhL tyf bfloTjs"n k"FhL tyf bfloTj 1,17,69,45,741 1,17,69,45,741 59,11,15,491 59,11,15,491
;DklQ;DklQ o; aif{ ?=o; aif{ ?= ut aif{ ?=ut aif{ ?=
!= gub df}Hbft -l;Ssf ;d]t_ 1,22,539 3,02,683
@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 52,30,000 27,80,000
#= a}s÷ljQLo ;+:yfdf /x]sf] df}Hbft 22,88,63,669 17,51,703
$= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 12,14,69,839
%= nufgL
^= shf{ ;fk6 92,77,48,427 44,34,58,717
&= l:y/ ;DklQ 87,81,047 76,74,384
*= u}/ a}lsª ;DklQ(= cGo ;DklQ 62,00,059 1,36,78,165s"n ;DklQs"n ;DklQ 1,17,69,45,741 1,17,69,45,741 59,11,15,491 59,11,15,491
2121
PgPdla dfOqmf]kmfOgfG; ljQLo ;+:yf lnld6]8gfkmf gf]S;fg lx;fa
@)&@ ;fn >fj0f ! ut]b]lv @)&# ;fn cfiff9 d;fGt;Dd
ljj/0fljj/0f o; aif{ ?=o; aif{ ?= ut aif{ ?=ut aif{ ?=!= Jofh cfDbfgL 12,43,47,043 5,78,73,459 @= Jofh vr{ 4,127,4,229 1,91,46,123
v"b Jofh cfDbfgLv"b Jofh cfDbfgL 8,30,72,814 8,30,72,814 3,87,27,337 3,87,27,337 #= sldzg tyf cGo ;~rfng cfDbfgL 2,47,44,019 1,20,02,780 $= ;6xL 36a9 cfDbfgL
s"n ;~rfng cfDbfgLs"n ;~rfng cfDbfgL 10,78,16,833 10,78,16,833 5,07,30,116 5,07,30,116 %= sd{rf/L vr{ 3,42,81,479 2,00,09,818 ^= cGo ;~rfng vr{ 1,71,27,027 1,10,66,585 &= ;6xL 36a9 gf]S;fg
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d"gfkmf;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d"gfkmf 5,64,08,327 5,64,08,327 1,96,53,713 1,96,53,713 *= ;Defljt gf]S;fgL Joj:yfx? 95,41,900 29,10,044
;~rfng d"gfkmf;~rfng d"gfkmf 4,68,66,427 4,68,66,427 1,67,43,670 1,67,43,670 (= u}/ ;~rfng cfDbfgL÷vr{ 1,54,886 21,300 !)= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 1,47,077
lgoldt sf/]fjf/af6 ePsf] d"gfkmflgoldt sf/]fjf/af6 ePsf] d"gfkmf 4,70,21,313 4,70,21,313 1,69,12,047 1,69,12,047 !!= c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL vr{
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v"b d"gfkmf;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v"b d"gfkmf 4,70,21,313 4,70,21,313 1,69,12,047 1,69,12,047 !@= sd{rf/L af]g; Joj:yf 42,74,665 15,37,459 !#= cfos/ Joj:yf 1,28,82,739 46,36,051
o; jif{sf] s/ Aoj:yfo; jif{sf] s/ Aoj:yf 1,34,19,191 1,34,19,191 39,54,323 39,54,323 ljut jif{;Ddsf] s/ Aoj:yfljut jif{;Ddsf] s/ Aoj:yf
o; jif{sf] :yug s/ -cfDbfgL_÷vr{o; jif{sf] :yug s/ -cfDbfgL_÷vr{ -5,36,451_-5,36,451_ 6,81,727 6,81,727 v"b gfkmf÷gf]S;fgv"b gfkmf÷gf]S;fg 2,98,63,909 2,98,63,909 1,07,38,537 1,07,38,537
-u_ ;+:yfut ;fdflhs pQ/bfloTjM
a}+saf6 ;+:yfut ;fdflhs pQ/bfloTj cGtu{t ;ldIff aif{df dxfe'sDkn] Iflt ePsf ;fF:s[lts ;Dkbfx?nfO{ aiff{af6 x'g ;Sg] yk Ifltaf6 hf]ufpgsf nflu lqkfn ljt/0f ug'{sf ;fy} a}+s tyf a}+ssf sd{rf/Lx?af6 ;+slnt /fxt ;fdu|L k|ToIf?kn] e'sDk lkl8t hgtfx?nfO{ ljt/0f ul/Psf] lyof] .
;ldIff aif{df klg a}+sn] cfkm\gf] ;+:yfut ;fdflhs pQ/bfloTj cGtu{t ;fF:s[lts ;Dkbfsf] ;+/If0f ug]{ cfkm\gf] cleofgnfO{ lg/Gt/tf lb+b} ljut aif{x?df h:t} ;fF:s[lts k]l06Ë k|ltof]lutf sf7df8f}++ nufot b]zsf ljleGg :s"nx?df cfof]hgf u/]sf] lyof] . o;}u/L ;Dkbf ;+/If0fsf] nflu hgdfg;df hfu/0f u/fpg / /sd ;+sng u/L sf7df8f}++ tyf aflx/sf ;Dkbfx?sf] lh0ff]{åf/ ug{sf nflu a}+sn] ;Dkbf lxF8fO{ sfo{qmd -Heritage Walkathon_ sf] cfof]hgf u/]sf] lyof] .
a+}sn] cfkm\gf] @)cf}+ jif{ufF7sf] cj;/df b]zel/ km}lnPsf] cfkm\gf] zfvf ;Ghfn dfkm{t ljleGg ;fdflhs sfo{x? h:t} ljkGg ljBfy{L{ ju{nfO{ z}lIfs ;fdu|L, a[4f>dnfO{ hf8f]sf] n'uf, vfg]kfgL, vfBfGg nufot cGo ;fdu|Lx?sf] ljt/0f u/]sf] lyof] . o;sf ;fy} u|fdL0f If]qsf ljkGg ju{sf ;fgf jfnjflnsfx?;Fu cWoogsf nflu plrt k':tssf] cefj /xL cfPsf] x'Fbf / ltgLx?nfO{ k9\gsf nflu k|f]T;fxg ug]{ p2]Zon] a}+sn] gofF tyf k'/fgf pkof]uL k':tsx? a}+s sd{rf/L, z]o/wgL, u|fxs tyf cGo JolQmx?af6 ;+sng u/L pgLx?nfO{ ljt/0f ub}{ cfPsf] 5 .
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
-3_ dfgj ;+zfwgM a}+ssf] efjL of]hgfsf] ;kmn sfof{Gjog tyf a}+ssf] ;du| ljsf;sf nflu k|lta4 / pTkfbglzn sd{rf/Lsf] cfjZostfnfO{ Wofg lbFb} sd{rf/Lx?sf] ljsf; tyf Joj:yfkgdf a}+sn] ljif]z Wofg lbPsf] 5 . cfhsf] k|lt:kwf{Tds jftfj/0fdf dfgj ;+zfwgsf] ljsf; tyf ;f]sf] k|efjsf/L Joj:yfkgn] dfq cfkm\gf u|fxsx?nfO{ ;Gt'i6L k|bfg ug{ ;Sg] / o;n] ahf/df a}+ssf] k|efjsf/L pkl:ylt agfO{ /fVg d'Vo e"ldsf v]Ng] ePsfn] klg sd{rf/Lx?sf] Ifdtf ljsf; tyf Joj:yfkgdf a}+sn] ljz]if hf]8 lb+b} cfPsf] 5 . a}+sn] sd{rf/Lsf] j[lQ ljsf;nfO{ ;3fpgsf nflu cfGtl/s tyf afXo tflndx? ;+rfng ub}{ cfPsf] 5 . ;ldIff cjlwdf !@@ hgf sd{rf/Lx?n] cfGtl/s tyf @## hgf sd{rf/Lx?n] jfXo tflnd k|fKt u/]sf 5g\ .
;ldIff aif{df a}+ssf] ;]jf k|lt k|lta4 sd{rf/Lx?sf] s'n ;+Vof &%% /x]sf] 5 . h;df dlxnf sd{rf/Lx?sf] ;+Vof @^# hgf / k'?if sd{rf/Lx?sf] ;+Vof $(@ hgf 5g\ . xfn a}+sdf !% jif{eGbf nfdf] cjlw;Dd ;]jf ug]{ sd{rf/Lx?sf] ;+Vof #, !) jif{eGbf nfdf] cjlw;Dd ;]jf ug]{ sd{rf/Lx?sf] ;+Vof @! / % jif{eGbf nfdf] cjlw;Dd ;]jf ug]{ sd{rf/Lx?sf] ;+Vof @%& hgf k'u]sf 5g\ . a}+ssf k|d'v sfo{sf/L clws[tn] o; a}+sdf ljut !& aif{ b]lv cgj/t ;]jf ub}{ cfpg' ePsf] 5 .
-ª_ a}+s Joj:yfkg ;d"xMa}+ssf] Joj:yfkg ;d"xsf] g]t[Tj k|d'v sfo{sf/L clws[t >L pk]Gb| k|;fb kf}8]nn] ug'{ePsf] 5 . @* jif{ nfdf] a}+lsË cg'ej ;FufNg' ePsf >L kf}8]nsf] a}+s Joj:yfkg ;d"xdf b]xfosf kbflwsf/Lx? /xg' eO{ pxfFnfO{ ;xof]u k'¥ofpg' ePsf] 5 .>L ;'lgn s]=;L= – gfoj k|d'v sfo{sf/L clws[t>L k|bLk k|wfg – k|d'v ;"rgf clws[t>L ljho lu/L – k|d'v, tflnd tyf ;]jf k|efjsf/Ltf lgl/If0f >L zjgd lnDa' hf]zL – k|d'v, dfgj ;+zfwg tyf ;fdfGo k|zf;g>L ;/b t]lu t'nfw/ – k|d'v hf]lvd clws[t>L k|df]b s'df/ bfxfn – k|d'v, cg'kfng tyf sDkgL ;lrj
wGojfb 1fkgMa}+ssf] pQ/f]Q/ k|ultsf] sfdgfsf nflu z]o/wgL dxfg'efjx?af6 k|fKt /rgfTds ;Nnfx / ;'emfasf nflu xflb{s wGoafb lbg rfxG5' . ;efdf pkl:yt cfb/0fLo ;Dk"0f{ z]o/wgL dxfg'efjx?, ljleGg lgodgsf/L lgsfox?af6 kfNg'ePsf k|ltlglwx?, ;+:yfut ?kdf o; ;fwf/0f ;efdf k|ltlglwTj ug'{ x'g] k|ltlglwx?, a}+s;Fu ;DalGwt ;a} ;/f]sf/jfnfx? tyf u|fxs dxfg'efjx?, u'0f:t/Lo / pRr ;]jf k|bfg u/L a}+ssf] ljQLo glthfdf k|To]s jif{ pNn]vgLo k|ult xfl;n ug{df ;xof]u k'¥ofpg' x'g] a}s Joj:yfkg tyf ;Dk"0f{ sd{rf/Lx?nfO{ a}+s ;+rfns ;ldltsf] tkm{af6 wGojfb 1fkg ub}{ eljiodf ljutsf jif{x?df em}+ ;xof]usf] ck]Iff ub{5' .
wGojfb .
kjg s'df/ uf]Nof0fcWoIf
ldltM @)&#.)(.@$
2323
lwtf]kq btf{ tyf lgisfzglgodfjnL, @)&# sf] cg';"rL – !%
-lgod @^ sf] pklgod @ ;Fu ;DalGwt_
!= ;+rfns ;ldltsf] k|ltj]bg
;+rfns ;ldltsf] k|ltj]bg cf=j= @)&@÷)&# sf] jflif{s k|ltj]bgdf ;+nUg 5 .
@= n]vf k/LIfssf] k|ltj]bg
n]vf k/LIfssf] k|ltj]bg cf=j= @)&@÷)&# sf] jflif{s k|ltj]bgdf ;+nUg 5 .
#= n]vf k/LIf0f ePsf] ljQLo ljj/0f
n]vf k/LIf0f ePsf] ljQLo ljj/0f cf=j= @)&@÷)&# sf] jflif{s k|ltj]bgdf ;+nUg 5 .
$= sfg"gL sf/jfxL ;DaGwL ljj/0f
-s_ o; cjlwdf a}+sn] jf a}+ssf] lj?4 bfo/ ePsf] d'2fsf] ljj/0fM o; a}+saf6 k|jfx ul/Psf] shf{x? -C0f_ dWo] e'QmfgL lng afFsL /x]sf ljleGg lzif{ssf #& yfg shf{x?sf] d'2f ljleGg cbfntdf rln/x]sf] 5 .
-v_ a}+ssf ;+:yfks jf ;+rfnsn] jf ;+:yfks jf ;+rfns lj?4df k|rlnt lgodsf] cj1f jf
kmf}Hbf/L ck/fw u/]sf] ;DaGwdfM
o; ;DaGwdf s'g} d'2f bfo/ gePsf] .
-u_ s'g} ;+:yfks jf ;+rfns lj?4 cfly{s ck/fw u/]sf] ;DaGwdfM
o; ;DaGwdf s'g} d'2f bfo/ gePsf] .
%= ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ ;DaGwL ljZn]if0f
-s_ z]o/ sf/f]jf/df x'g] ptf/ r9fj v'Nnf ahf/n] lgwf{/0f ug]{ ePsf] x'Fbf ;f]xL d"No tyf dfGotf
cg'?k x'g] u/]sf] .
-v_ ut jif{sf] k|To]s q}dfl;s cjlwdf a}+ssf] z]o/sf] clwstd, Go"gtd / clGtd d"Nosf ;fy} s"n
sf/f]jf/ ;+Vof / sf/f]jf/ ePsf] lbg -g]kfn :6s PS;r]Gh lnld6]8 sf] j]j;fO6 cg';f/_
klxnf] q}dfl;sklxnf] q}dfl;s bf]>f] q}dfl;sbf]>f] q}dfl;s t]>f] q}dfl;st]>f] q}dfl;s Rff}yf] q}dfl;sRff}yf] q}dfl;sclwstd d"No – %%& ^!) *##Go"gtd d"No – #*( #*( #*(clGtd d"No %)& $^) ^)( *!)sf/f]jf/ ;+Vof – !,!!* %,**& !#,%#( sf/f]jf/ lbg – $@ (* !^@
-klxnf] q}df;df a}+ssf] dh{/sf sf/0fn] z]o/ sf/f]jf/ /f]Ssf ePsfn] sf/]jf/ gePs.] ._
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
^= ;d:of tyf r'gf}ltM
cfGtl/s ;d:of tyf r'gf}ltx? M ljsf; vr{df sdL, ljk|]if0fsf] cfk|jfxsf] a[l4df b]lvPsf] sld cflbsf]
sf/0f t/ntfdf cfPsf] ptf/ r9fj / ;f]sf] sf/0f lgIf]k / shf{sf] Aofhb/ Joj:yfkgdf ;d:of,
a}+lsË If]qdf bIf dfgj >f]tsf] sld, j}slNks nufgL If]qsf] cefj, a9\bf] zfvf ;+hfn tyf Joj;fodf j[l4sf sf/0f hf]lvd Joj:yfkgsf If]qdf b]lvPsf sl7gfO{x?nfO{ r'gf}ltsf] ?kdf lnOPsf] 5 . o:tf
r'gf}ltx?nfO{ Joj:yfkg ub}{ hfg' kg]{ ePsfn] ;+rfng vr{df a[l4 x'Fb} uPsf] 5 . o; cj:yfdf a}+snfO{ :j:y ?kdf ;+rfng u/L d'gfkmfdf j[l4 ub}{ n}hfg] sfo{ r'gf}ltk"0f{ /x]sf] 5 .
jfx\o ;d:of tyf r'gf}ltx?M cGt/f{li6«o cfly{s kl/b[Zon] g]kfnL d'b|f cd]l/sL 8n/sf] t'ngfdf cjd'Nog ePsf], d'b|f:kmLlt b/df a[l4 ePsf], @)&@ j}zfv !@ ut]sf] e'sDk / b]zsf] /fhgLlts
cl:y/tfn] d'n'ssf] ;du| cfly{s ultljlwdf gsf/fTds k|efj kf/]sf] x'Fbf s"n ufx{:y pTkfbgsf] j[l4b/df sld eO{ a}+lsË If]qsf] Joj;fosf] lj:tf/df o;sf] c;/ b]lvPsf] 5 . b]zsf] cl:y/ /fhgLlts cj:yf, a]nfa]nfdf x'g] aGb, x8tfn, a}lsË If]qdf a9\bf] c:j:y k|lt:kwf{ cflbnfO{ a}+sn] jfx\o ;d:of tyf r'gf}ltsf] ?kdf lnPsf] 5 . sfj'eGbf aflx/sf] cj:yfdf afx]s pQm r'gf}ltx?af6 l;h{gf x'g] hf]lvdnfO{ ;dfwfg ug{ pko'Qm hf]lvd Joj:yfkgnfO{ k|fyldstf lb+b} cuf8L a9\g] /0fgLlt a}+sn] lnPsf] 5 . tyflk,
cfGtl/s /fhg}lts ;d:ofsf sf/0f nufgL of]Uo If]qdf b]lvPsf] ;+s'rg, cf}Bf]lus If]qdf b]lvPsf >d ;d:of h:tf ;d:ofx? /xL cfPsf 5g\ . oL ;d:ofx?sf] lg/fs/0f ug'{ r'gf}ltk"0f{ /x]sf] 5 .
&= ;+:yfut ;'zf;gM
;+:yfut ;'zf;g clej[l4sf nflu Joj:yfkgåf/f rflnPsf sbd ;DaGwL ljj/0fM
-s_ ;+rfns ;ldltn] :jLs[t u/]sf gLltx?nfO{ sfof{Gjogdf NofO{Psf] .
-v_ Joj:yfkg txdf u7g ul/Psf] ljleGg ;ldltx? -h:t}M ;DklQ tyf bfloTj Joj:yfkg ;ldlt, sd{rf/L kbk"lt{ ;ldlt, shf{ hf]lvd Aoj:yfkg ;ldlt cflb_ lqmoflzn /x]sf] .
-u_ cfGtl/s lgoGq0f k|0ffnLnfO{ Jojl:yt ug{ cfGtl/s n]vf k/LIfsaf6 lgoldt ?kdf n]vfk/LIf0f
u/fO{ k|ltj]bgdf lbOPsf] ;'emfjx?sf] ;dLIff tyf sfof{Gjog u/fpg n]vf k/LIf0f ;ldltsf]
a}7s lgoldt a:g] u/]sf] / ;f]af6 k|fKt lgb]{zgx?nfO{ tTsfn} sfof{Gjogdf NofO{g] ul/Psf] .
-3_ hf]lvd Aoj:yfkg ;ldltsf] a}7s lgoldt ?kdf a:g] u/]sf] / ;f] a}7sdf ef/ kl/If0f, gLlt
lgodx?sf] k|ofKttf, ;+rfng hf]lvd h:tf ljifox?df 5nkmn x'g] u/]sf] / Joj:yfkgnfO{ k|fKt lgb]{zgx?nfO{ kfngf ub}{ cfPsf] .
-ª_ a}lsË sf/f]jf/nfO{ Jojl:yt ug{sf ;fy} ;+rfng hf]lvdx? Go"lgs/0f ug{ ljleGg cfGtl/s gLlt, lgod tyf lgb]{lzsfx? th'{df ul/ nfu" ul/Psf] .
-r_ a}+lsË Joj;fodf x'g ;Sg] unt lqmofsnfknfO{ /f]s nufpgsf nflu ;+:yfut ;'zf;g
O{sfO{sf] u7g ul/Psf] . a}+sdf ;+:yfut ;'zf;g sfod /fVgdf d'Vo lhDd]jf/L k|d'v sfo{sf/L
clws[tnfO{ lbO{Psf] .
2525
*= ljj/0fkqdf k|If]k0f ul/Psf / n]vfk/LIf0f ePsf] ljj/0fx?df aL; k|ltzt jf ;f] eGbf a9L km/s ;DaGwL ljj/0f .
@)&!.!!.)^ df hf/L C0fkqsf nflu hf/L ljj/0f kqdf k|If]lkt ljj/0f tyf @)&# cfiff9 d;fGtsf]
ljlQo ljj/0fx?df aL; k|ltzt jf ;f] eGbf a9L km/s kg{ uPsf zLif{sx? tyf ;f]sf] sf/0f
jf;nft
k"FhL tyf bfloTjk"FhL tyf bfloTj rfn' cf=j=rfn' cf=j=-?= xhf/df_-?= xhf/df_
k|If]lkt /sdk|If]lkt /sd-?= xhf/df_-?= xhf/df_
km/s km/s -k|ltzt_-k|ltzt_ s}lkmots}lkmot
1 z]o/ k"FhL 55,18,636 29,00,000 90.30∞ dh{/sf] sf/0fn]
2 hu]8f tyf sf]ifx? 13,42,524 9,42,545 42.44∞ dh{/sf] sf/0fn]
3 C0fkq tyf aG8 5,00,000 5,00,000 0.00∞ –
4 ltg{ afFsL shf{ ;fk6 14,87,995 – 100.00∞ a}+s;Fu kof{Kt
t/ntf ePsf]n] ubf{
5 lgIf]k bfloTj 6,47,81,464 3,30,99,798 95.72∞ dh{/sf] sf/0fn]
6 e"QmfgL lbg'kg]{ ljnx? – 6,050 –100.00∞k|If]k0fdf æcGo bfloTjÆ zLif{s cGt{ut /flvPsf]
7 k|:tfljt nfef+z 54,301 87,500 –37.94∞ dh{/n] k"FhL j[l4ePsf] sf/0fn]
8 cfos/ bfloTj – – – –
9 cGo bfloTj 9,28,410 302,230 207.19∞ dh{/sf] sf/0fn]
s"n bfloTjs"n bfloTj 7,46,13,328 7,46,13,328 3,78,38,123 3,78,38,123 97.19∞97.19∞
;DklQ;DklQ jf;nftsf] /sd jf;nftsf] /sd -?= xhf/df_-?= xhf/df_
k|If]lkt /sdk|If]lkt /sd-?= xhf/df_-?= xhf/df_
km/s /sdkm/s /sd-k|ltzt_-k|ltzt_ s}lkmots}lkmot
1 gub df}Hbft 14,91,152 4,65,713 220.19∞ dh{/sf] sf/0fn]
2 g]kfn /fi6« a}+sdf /x]sf] df}Hbft 63,90,585 19,85,988 221.78∞ dh{/sf] sf/0fn]
3 a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 22,98,802 4,96,497 363.00∞ dh{/sf] sf/0fn]
4 dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 5,57,823 6,03,425 –7.56∞ –
5 nufgL 85,04,126 4,5,47,176 87.02∞ dh{/sf] sf/0fn]
6 shf{ ;fk6 tyf ljn vl/b 5,30,21,384 2,81,34,828 88.45∞ dh{/sf] sf/0fn]
7 l:y/ ;DklQ 13,45,519 4,33,972 210.05∞ dh{/sf] sf/0fn]
8 u}/ a}+lsË ;DklQ – – – –
9 cGo ;DklQ 10,03,937 11,70,525 –14.23∞ dh{/sf] sf/0fn]
s"n ;DklQs"n ;DklQ 7,46,13,328 7,46,13,328 3,78,38,123 3,78,38,123 97.19∞97.19∞
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
gfkmf gf]S;fg lx;faljj/0fljj/0f rfn' cf=j=rfn' cf=j=
-?= xhf/df_-?= xhf/df_k|If]lkt /sdk|If]lkt /sd-?= xhf/df_-?= xhf/df_
km/s km/s -k|ltzt_-k|ltzt_ s}lkmots}lkmot
1 Jofh cfDbfgL 40,53,341 33,50,676 20.97∞ dh{/sf] sf/0fn]2 Jofh vr{ 20,40,059 21,46,834 –4.97∞ dh{/sf] sf/0fn]
v'b Jofh cfDbfgLv'b Jofh cfDbfgL 20,13,282 20,13,282 12,03,843 12,03,843 67.2467.24∞3 sldzg tyf l8:sfp06 1,97,616 1,15,766 70.70∞ dh{/sf] sf/0fn]4 cGo ;+rfng cfDbfgL 2,18,106 1,41,492 54.15∞ dh{/sf] sf/0fn]5 ;6xL 36a9 cfDbfgL 1,60,269 1,23,012 30.29∞ dh{/sf] sf/0fn]
s"n ;+rfng cfDbfgLs"n ;+rfng cfDbfgL 25,89,272 25,89,272 15,84,113 15,84,113 63.4563.45∞ 6 sd{rf/L vr{ 4,71,311 2,25,209 109.28∞ dh{/sf] sf/0fn] 7 cGo ;+rfng vr{ 4,73,549 3,29,884 43.55∞ dh{/sf] sf/0fn] 8 ;6xL 36a9 gf]S;fg – – – –
;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf 16,44,411 16,44,411 10,29,020 10,29,020 59.8059.80∞ 9 ;Defljt gf]S;fgL Joj:yfx? 5,76,323 51,377 1021.76∞ dh{/sf] sf/0fn]
;+rfng d'gfkmf;+rfng d'gfkmf 10,68,088 10,68,088 9,77,643 9,77,643 9.259.25∞ 10 u}/ ;+rfng cfDbfgL÷gf]S;fg 55,844 7,279 667.17∞ dh{/sf] sf/0fn] 11 ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 6,50,079 25,000 2500.32∞ dh{/sf] sf/0fn]
lgoldt sf/f]af/af6 ePsf] d'gfkmflgoldt sf/f]af/af6 ePsf] d'gfkmf 17,74,011 17,74,011 10,09,922 10,09,922 75.6675.66∞ 12 c;fdfGo sf/f]af/x?af6 ePsf] d'gfkmf÷vr{ -10,942_ – 100.00∞ dh{/sf] sf/0fn]
;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 17,63,068 17,63,068 10,09,922 10,09,922 74.5774.57∞ 13 sd{rf/L af]g; Joj:yf 1,60,279 91,811 74.57∞ dh{/sf] sf/0fn] 14 cfos/ Joj:yf 4,87,725 2,75,433 77.08∞ dh{/sf] sf/0fn]
v"b gfkmf÷gf]S;fgv"b gfkmf÷gf]S;fg 11,15,065 11,15,065 6,42,678 6,42,678 73.5073.50∞
gfkmf gf]S;fg afF8kmfF8 lx;fa
ljj/0fljj/0f rfn' cf=j=rfn' cf=j=-?= xhf/df_-?= xhf/df_
k|If]lkt /sdk|If]lkt /sd-?= xhf/df_-?= xhf/df_
km/skm/s-k|ltzt_-k|ltzt_ s}lkmots}lkmot
cfDbfgLcfDbfgL
1 ut jif{;Ddsf] ;+lrt d'gfkmf 9,523 52,385 –81.82∞ dh{/sf] sf/0fn]2 o; jif{sf] d'gfkmf 11,15,065 6,42,678 73.50∞ dh{/sf] sf/0fn] 3 ;6xL 36a9 sf]if – – – –4 nufgL ;dfof]hg sf]if 19,992 – 100.00∞ dh{/sf] sf/0fn] 5 dh{af6 z]o/ cg'kftdf ePsf] d'gfkmf 6,51,180 – 100.00∞ dh{/sf] sf/0fn] hDdf hDdf 17,95,760 17,95,760 6,95,063 6,95,063 158.36158.36∞ vr{vr{
1 ut jif{;Ddsf] ;+lrt gf]S;fg – – – –2 uflePsf ;+:yfsf ;+lrt gf]S;fg 4,90,983 – 100.00∞ dh{/sf] sf/0fn] 3 o; jif{sf] gf]S;fg – – – dh{/sf] sf/0fn] 4 ;fwf/0f hu]8fsf]if 2,23,013 1,28,536 73.50∞ dh{/sf] sf/0fn] 5 e}k/L cfpg] hu]8f – – – –6 ;+:yf ljsf; sf]if – – – –7 nfef+z ;dLs/0f sf]if – – – –8 sd{rf/L ;DaGwL hu]8fx? – – – –9 k|:tfljt nfef+z 54,301 87,500 –37.94∞ dh{/sf] sf/0fn] 10 k|:tfljt af]g; z]o/ hf/L 10,31,712 2,50,000 312.68∞ dh{/sf] sf/0fn] 11 ljz]if hu]8f sf]if – – – –12 ;6xL 36a9 sf]if 10,417 5,448 91.21∞ dh{/sf] sf/0fn] 13 k"FhL lkmtf{ hu]8f sf]if – – – dh{/sf] sf/0fn] 14 k"FhL ;dfof]hg sf]if 40,925 – 100.00∞ dh{/sf] sf/0fn] 15 cGo -77,786_ 90,909 –185.56∞ dh{/sf] sf/0fn] s_ :yug s/ sf]if -166,984_ – 100.00∞ dh{/sf] sf/0fn] v_ nufgL ;dfof]hg sf]if -1,554_ – 100.00∞ dh{/sf] sf/0fn] u_ C0fkq e'QmfgL sf]if 90,751 90,909 –0.17∞ –hDdfhDdf 17,73,565 17,73,565 5,62,393 5,62,393 215.36215.36∞ 15 ;+lrt d'gfkmf÷-gf]S;fg_ 22,195 1,32,670 –83.27∞ dh{/sf] sf/0fn]
3333
Plss[t jf;nft@)&# ;fn cfiff9 #! ut] -h'nfO{ !%, @)!^_ sf]
k"“hL tyf bfloTjk"“hL tyf bfloTj rfn' cf=j=?=rfn' cf=j=?= ut cf=j=?=ut cf=j=?=1 z]o/ k"FhL 5,51,86,35,934 2,73,23,64,746 2 hu]8f tyf sf]ifx? 1,41,51,83,202 61,07,87,542 3 lgoGq0f gx'g] :jfy{ (Non Controlling Interest) 3,90,31,063 - 4 C0fkq tyf aG8 50,00,00,000 50,00,00,000 5 ltg{ afFsL shf{ ;fk6 2,14,85,02,579 43,80,00,000 6 lgIf]k bfloTj 64,94,47,30,681 35,36,14,43,165 7 e'QmfgL lbg'kg]{ ljnx? 4,89,58,822 5,14,55,91,224 8 k|:tfljt nfef+z 5,43,00,625 1,74,92,881 9 cfos/ bfloTj 3,40,16,060 - 10 cGo bfloTj 97,89,89,908 37,16,53,023 s"n bfloTjs"n bfloTj 75,68,23,48,874 75,68,23,48,874 45,17,73,32,581 45,17,73,32,581
;DklQ;DklQ rfn' cf=j=?=rfn' cf=j=?= ut cf=j=?=ut cf=j=?=1 gub df}Hbft 1,49,12,75,494 81,75,86,158 2 g]kfn /fi6« a}+sdf /x]sf] df}Hbft 6,39,58,15,135 3,39,12,44,786 3 a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 2,63,71,05,481 5,93,36,60,908 4 dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 55,78,22,817 72,26,07,414 5 nufgL 8,42,45,18,637 5,93,06,45,854 6 shf{ ;fk6 tyf ljn vl/b 53,74,91,32,753 27,28,88,91,489 7 l:y/ ;DklQ 1,35,72,83,772 37,86,83,968 8 u}/ a}+lsË ;DklQ - - 9 cGo ;DklQ 1,06,93,94,785 71,40,12,004 s"n ;DklQs"n ;DklQ 75,68,23,48,874 75,68,23,48,874 45,17,73,32,581 45,17,73,32,581
b= pk]Gb| kf}8]n b= kjg s'df/ uf]Nof0f b= /fh]Gb| sfkm\n] b= l;=P= ;+lha s'df/ ld>k|d'v sfo{sf/L clws[t cWoIf ;+rfns l6 cf/ pkfWofo P08 sDkgL rf6{8{ PsfpG6]G6\;\b= dgf]h s'df/ uf]on b= lgsf] lkn b= /f]d0fL k|;fb kf7s;+rfns ;+rfns ;+rfns b= xl/ZrGb| ;'j]bL b= sdn]z s'df/ cu|jfn b= xl/afa' Gof}kfg] b= hLjgdfg hf]zL ;+rfns ;+rfns ;+rfns ;+rfns b= k|bLk k|wfg b= d[b'n k/fh'nL k|d'v ck/]l6+u clkm;/ k|d'v ljQ tyf of]hgf
ldlt M )* sflQs @)&#, 7]ufgf M PgPdla ejg, aa/dxn, sf7df8f}+
xfd|f] cfhsf] ldltsf] k|ltj]bg cg';f/
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
Plss[t gfkmf gf]S;fg lx;fjldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f rfn' cf=j= ?=rfn' cf=j= ?= ut cf=j=?=ut cf=j=?=1 Jofh cfDbfgL 4,14,31,46,162 2,32,98,98,781 2 Jofh vr{ 2,05,51,61,286 1,34,09,65,337
v'b Jofh cfDbfgLv'b Jofh cfDbfgL 2,08,79,84,876 2,08,79,84,876 98,89,33,444 98,89,33,444 3 sldzg tyf l8:sfp06 19,76,15,501 11,26,15,711 4 cGo ;+rfng cfDbfgL 29,02,57,632 14,75,87,765 5 ;6xL 36a9 cfDbfgL 16,02,68,673 11,95,13,544
s"n ;+rfng cfDbfgLs"n ;+rfng cfDbfgL 2,73,61,26,682 2,73,61,26,682 1,36,86,50,464 1,36,86,50,464 6 sd{rf/L vr{ 50,91,11,123 20,83,88,115 7 cGo ;+rfng vr{ 49,56,94,943 29,40,50,856 8 ;6xL 36a9 gf]S;fg - -
;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf 1,73,13,20,616 1,73,13,20,616 86,62,11,493 86,62,11,493 9 ;Defljt gf]S;fgL Joj:yfx? 58,49,41,411 9,70,73,735
;+rfng d'gfkmf;+rfng d'gfkmf 1,14,63,79,205 1,14,63,79,205 76,91,37,758 76,91,37,758 10 u}/ ;+rfng cfDbfgL÷gf]S;fg 5,66,73,267 1,57,05,328 11 ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 65,00,79,224 4,19,73,510
lgoldt sf/f]af/af6 ePsf] d'gfkmflgoldt sf/f]af/af6 ePsf] d'gfkmf 1,85,31,31,696 1,85,31,31,696 82,68,16,596 82,68,16,596 12 c;fdfGo sf/f]af/x?af6 ePsf] d'gfkmf÷vr{ (1,09,42,028) -
;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 1,84,21,89,668 1,84,21,89,668 82,68,16,596 82,68,16,596 13 sd{rf/L af]g; Joj:yf 16,74,71,787 7,51,65,145 14 cfos/ Joj:yf 50,75,93,734 22,15,31,619
o; jif{sf] 33,46,74,245 21,74,29,869 ut jif{{;Ddsf] 69,01,230 - :yug cfos/ 16,60,18,259 41,01,750
v'b gfkmf÷gf]S;fgv'b gfkmf÷gf]S;fg 1,16,71,24,147 1,16,71,24,147 53,01,19,832 53,01,19,832 d'Vo sDkgLsf] d'gfkmfdf lgoGq0f x'g] :jfy{sf] lx:;f (Controlling Interest) 1,15,47,38,542 -
;xfos sDkgLsf] d'gfkmfdf lgoGq0f gx'g] :jfy{sf] lx:;f (Non-Controlling Interest) 1,23,85,607 -
v'b gfkmf÷gf]S;fgv'b gfkmf÷gf]S;fg 1,16,71,24,147 1,16,71,24,147 53,01,19,832 53,01,19,832
b= pk]Gb| kf}8]n b= kjg s'df/ uf]Nof0f b= /fh]Gb| sfkm\n] b= l;=P= ;+lha s'df/ ld>k|d'v sfo{sf/L clws[t cWoIf ;+rfns l6 cf/ pkfWofo P08 sDkgL rf6{8{ PsfpG6]G6\;\b= dgf]h s'df/ uf]on b= lgsf] lkn b= /f]d0fL k|;fb kf7s;+rfns ;+rfns ;+rfns b= xl/ZrGb| ;'j]bL b= sdn]z s'df/ cu|jfn b= xl/afa' Gof}kfg] b= hLjgdfg hf]zL ;+rfns ;+rfns ;+rfns ;+rfns b= k|bLk k|wfg b= d[b'n k/fh'nL k|d'v ck/]l6+u clkm;/ k|d'v ljQ tyf of]hgf
ldlt M )* sflQs @)&#, 7]ufgf M PgPdla ejg, aa/dxn, sf7df8f}+
xfd|f] cfhsf] ldltsf] k|ltj]bg cg';f/
3535
Plss[t gfkmf gf]S;fg afF8kmfF8 lx;fjldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f rfn' cf=j= ?=rfn' cf=j= ?= ut cf=j= ?=ut cf=j= ?=cfDbfgLcfDbfgL lgoGq0f gx'g] :jfy{lgoGq0f gx'g] :jfy{ PgPdla PgPdla PgPdla PgPdla
1 ut jif{;Ddsf] ;+lrt d'gfkmf 5,62,28,499 1,85,59,630 2 o; jif{sf] d'gfkmf 1,23,85,607 1,15,47,38,542 53,01,19,833 3 ;6xL 36a9 sf]if - - 4 Capital Reserve (NMB MF) Gain on Bargain Purchase 73,33,025 - 5 nufgL ;dfof]hg sf]if 1,99,92,000 - 6 dh{af6 z]o/ cg'kftdf ePsf] d'gfkmf 65,11,80,180 -
hDdf hDdf 1,23,85,607 1,23,85,607 1,88,94,72,246 1,88,94,72,246 54,86,79,463 54,86,79,463 vr{vr{
1 ut jif{;Ddsf] ;+lrt gf]S;fg - - 2 uflePsf ;+:yfsf ;+lrt gf]S;fg 49,09,83,319 3 o; jif{sf] gf]S;fg - - 4 ;fwf/0f hu]8fsf]if 22,89,85,707 10,01,97,922 5 e}k/L cfpg] hu]8f - - 6 ;+:yf ljsf; sf]if - - 7 nfefFz ;dLs/0f sf]if - - 8 sd{rf/L ;DaGwL hu]8fx? - - 9 k|:tfljt nfefFz 7,53,53,256 1,74,92,881 10 k|:tfljt af]g; z]o/ hf/L 1,03,17,11,869 33,23,64,746 11 ljz]if hu]8f sf]if - - 12 ;6xL 36a9 sf]if 1,04,17,464 74,69,597 13 k"FhL lkmtf{ hu]8f sf]if - - 14 k"FhL ;dfof]hg sf]if 4,09,25,498 -15 cGo (7,66,47,358) 3,49,25,818
s_ :yug s/ sf]if (16,68,69,592) (44,29,984)v_ nufgL ;dfof]hg sf]if (15,53,591) 23,09,556 u_ C0fkq e'QmfgL sf]if 9,07,50,870 3,70,46,246 3_ u|fxs ;+/If0f sf]if 10,24,955 hDdf 1,80,17,29,755 49,24,50,964
16 ;+lrt d'gfkmf÷-gf]S;fg_ 1,23,85,607 8,77,42,491 5,62,28,499
b= pk]Gb| kf}8]n b= kjg s'df/ uf]Nof0f b= /fh]Gb| sfkm\n] b= l;=P= ;+lha s'df/ ld>k|d'v sfo{sf/L clws[t cWoIf ;+rfns l6 cf/ pkfWofo P08 sDkgL rf6{8{ PsfpG6]G6\;\b= dgf]h s'df/ uf]on b= lgsf] lkn b= /f]d0fL k|;fb kf7s;+rfns ;+rfns ;+rfns b= xl/ZrGb| ;'j]bL b= sdn]z s'df/ cu|jfn b= xl/afa' Gof}kfg] b= hLjgdfg hf]zL ;+rfns ;+rfns ;+rfns ;+rfns b= k|bLk k|wfg b= d[b'n k/fh'nL k|d'v ck/]l6+u clkm;/ k|d'v ljQ tyf of]hgf
ldlt M )* sflQs @)&#, 7]ufgf M PgPdla ejg, aa/dxn, sf7df8f}+
xfd|f] cfhsf] ldltsf] k|ltj]bg cg';f/
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
OSjL6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f
cf=a= @)&@
/)&#
-?=_
ljj/0f
ljj/0f
z]o/
k"FhL
z]o/
k"FhL
;+lrt
/ ;+lrt
/ gfkmf gf]S;
fggfkmf gf]S;
fg
;fwf/0f
;fwf/0f
hu]8
f sf]if
hu]8
f sf]if
k|:tfljt
k|:tfljt
af]g;
z]o/
af]g;
z]o/
k"FhLut
k"FhLut
hu]8
f hu]8
f
sf]if
sf]if
z]o/
z]o/
lk|ldod
lk|ldod
;6x
L ;6x
L 36a
9 sf]if
36a
9 sf]if
:yug
:y
ug
s/ sf]if
s/ sf]if
nufgL
nufgL
;dfof]hg
;dfof]hg
sf]if
sf]if
C0fkq
C0fkq
e'Q
mfgL
e'Qmfg
L sf]if
sf]if
k"FhL
k"FhL
;dfof]hg
;dfof]hg
sf]if
sf]if
u|fxs
u|fxs
;+/If0f
;+/If0f
sf]if
sf]if
cGo
cGo
hu]8
f hu]8
f ty
f ty
f sf]if
sf]if
hDdf
hDdf
z]o/
wgLx?;Fu
z]o/
wgLx?;Fu
;DalGw
t;DalGw
t
lgoGq0f
lgoGq0f
gx'g]
gx'g]
:jfy{
:jfy{
s"n
s"n
/sd
/sd
z'? d
f}Hbft
2,4
0,00
,00,
000
5,6
2,28
,499
4
5,07
,65,
878
3
3,23
,64,7
46
-
1,0
0,77
,915
2
,83,
79,2
20
2,3
8,3
6,862
4
4,5
2,92
2 3
,70,
46,
246
-
-
3,3
4,3
1,52
,288
-
3,3
4,3
1,52
,288
hf]8: uflePs
f ;+:y
fsf
z]o/
wgLx?nfO{ z
]o/ lgisfzg
1,7
5,45,
59,3
20
-
-
-
-
-
-
-
-
-
-
-
1,7
5,45,
59,3
20
-
1,7
5,45,
59,3
20
hf]8: uflePs
f ;+:y
fx?sf
vftfaf6 t
flgPs
f] -
(4
9,09
,83,
319)
33,
38,4
4,6
07
-
-
72,
432
2
4,1
4,4
31
20,
84,6
5,55
9 3
,20,
25,3
44
-
1,2
3,69
,984
-
9,8
2,09
,037
-
9
,82,
09,0
37
af]g;
z]o/
sf] k"Fh
Ls/0f
33,
23,6
4,7
46
-
-
(33,
23,6
4,7
46)
-
-
-
-
-
-
-
-
-
-
-
dh{af6
z]o/
cg'k
ftdf
ePsf] d'g
fkmf
-
-
-
-
-
-
-
-
-
-
-
65,
11,8
0,18
0 6
5,11
,80,
180
-
65,
11,8
0,18
0
hDdf
hDdf
4,4
8,6
9,24
,066
4
,48,6
9,24
,066
(4
3,47,
54,8
20)
(43,
47,
54,8
20)
78,4
6,10
,485
78,4
6,10
,485
-
-
-
-
1,0
1,50
,347
1,0
1,50
,347
3,0
7,93
,651
3
,07,
93,6
51
23,
23,0
2,421
2
3,23
,02,
421
3
,64,7
8,2
66
3,6
4,7
8,2
66
3,7
0,46,
246
3,7
0,46,
246
1,2
3,69
,984
1,2
3,69
,984
-
-
65,
11,8
0,18
0 6
5,11
,80,
180
5,8
4,7
1,00
,825
5
,84,7
1,00
,825
-
-
5
,84,7
1,00
,825
5
,84,7
1,00
,825
;dfof]hg
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
lgoGq0f g
x'g] :jfy{
-
-
-
-
-
-
-
-
-
-
-
-
-
2,6
6,45,
456
2
,66,
45,
456
xsk|b
z]o/
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
xsk|b
z]o/
sf] lgnfdL
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
z]o/
lk|ldo
d -
-
-
-
-
-
-
-
-
-
-
-
-
-
-
o; j
if{sf] d'g
fkmf
-
1,1
5,47,
38,5
42
-
-
-
-
-
-
-
-
-
-
1,1
5,47,
38,5
42
1,2
3,85,
607
1,1
6,71
,24,1
49
;fwf/0f h
u]8fsf]if
-
(22,
89,
85,
707)
22,
89,
85,
707
-
-
-
-
-
-
-
-
-
-
-
-
;6x
L 36a
9 sf]if
-
(1,0
4,1
7,464
) -
-
-
-
1
,04,1
7,464
-
-
-
-
-
-
-
-
dh{af6
z]o/
cg'k
ftdf
ePsf] d'g
fkmf
-
65,
11,8
0,18
0 -
-
-
-
-
-
-
-
-
-
(6
5,11
,80,
180)
k|:tfljt
af]g;
z]o/
-
(1,0
3,17
,11,
869
) -
1
,03,
17,1
1,869
-
-
-
-
-
-
-
-
-
-
-
:yug
s/ sf]if
-
16,
68,6
9,59
2 -
-
-
-
-
(1
6,68
,69,
592)
-
-
-
-
-
-
-
k|:tfljt
gu b
nfef+z
-
(7,5
3,53
,256
) -
-
-
-
-
-
-
-
-
-
(7
,53,
53,2
56)
-
(7,5
3,53
,256
)
nufgL ;
dfof]hg
sf]if
-
2,1
5,45,
591
-
-
-
-
-
-
(2,1
5,45,
591)
-
-
-
-
-
-
C0fkq
e'Qmfg
L sf]if
-
(9,0
7,50
,870
) -
-
-
-
-
-
-
9
,07,
50,8
70
-
-
0
-
0
k"FhL ;dfof]hg
sf]if
-
(4,0
9,25
,498
) -
-
-
-
-
-
-
-
4
,09,
25,4
98
-
-
-
-
u|fxs
;+/If0f sf]if
-
(10,
24,9
55)
-
-
-
-
-
-
-
-
-
10,
24,9
55
(0)
-
(0)
k"FhLut
sf]if (
NM
B M
F)
Gai
n on
bar
gain
pur
chas
e -
7
3,33
,025
-
-
-
-
-
-
-
-
-
-
7
3,33
,025
-
7
3,33
,025
clGt
d df}Hb
ftclGt
d df}Hb
ft 4
,48,6
9,24
,066
4
,48,6
9,24
,066
8
,77,
42,
491
8
,77,
42,
491
1
,01,
35,9
6,19
2 1
,01,
35,9
6,19
2 1
,03,
17,1
1,869
1
,03,
17,1
1,869
-
-
1
,01,
50,3
47
1,0
1,50
,347
4,1
2,11
,115
4
,12,
11,1
15
6,5
4,3
2,829
6
,54,3
2,829
1
,49,
32,6
75
1,4
9,32
,675
1
2,77
,97,
116
12,
77,9
7,11
6 5
,32,
95,4
83
5,3
2,95
,483
10,
24,9
55
10,
24,9
55
-
-
6,9
3,38
,19,
137
6,9
3,38
,19,
137
3,9
0,31
,063
3
,90,
31,0
63
6,9
7,28
,50,
200
6,9
7,28
,50,
200
b= p
k]Gb|
kf}8]n
b= k
jg s
'df/
uf]No
f0f
b= /
fh]Gb| s
fkm\n
] b= l;=P= ;+lh
a s'df
/ ld
>k|d
'v s
fo{sf/L clw
s[t
cWo
If
;+rfn
s
l6 c
f/ p
kfWo
fo P
08 s
DkgL
rf6{8{
Psfp
G6]G6
\;\
b= d
gf]h s
'df/
uf]on
b= lgs
f] lkn
b= /
f]d0fL k|;
fb k
f7s
;+rfn
s
;+rfn
s
;+rfn
s
b= x
l/Zr
Gb| ;
'j]bL
b= s
dn]z s
'df/
cu|j
fn
b= x
l/afa'
Gof}kfg]
b= h
Ljgd
fg h
f]zL
;+rfn
s
;+rfn
s
;+rfn
s
;+rfn
s
b= k
|bLk
k|wfg
b= d
[b'n k
/fh'nL
k|d'v c
k/]l6
+u clkm;/
k|d'v ljQ
tyf
of]h
gf
ldlt M )
* sflQ
s @
)&#, 7
]ufgf M P
gPdl
a ejg
, aa
/dxn
, sf7df
8f}+
xfd|f
] cfh
sf] ld
ltsf] k|ltj
]bg c
g';f/
3737
Plss[t gub k|jfx ljj/0fldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=-s_-s_ sf/f]af/ ;+rfngaf6 gub k|jfxsf/f]af/ ;+rfngaf6 gub k|jfx (3,51,05,79,089) (3,51,05,79,089) 4,01,96,03,753 4,01,96,03,753
1= gub k|flKt 4,65,74,04,530 2,61,26,22,104 1=1 Jofh cfDbfgL 4,01,85,40,666 2,25,38,38,295 1=2 sldzg tyf l8isfpG6 cfDbfgL 24,41,18,646 12,12,76,287 1=3 ljb]zL ljlgdo sf/f]af/af6 cfDbfgL 11,85,98,818 8,96,35,158 1=4 ckn]lvt shf{sf] c;'nL 35,78,003 - 1=5 cGo cfDbfgL 27,25,68,397 14,78,72,364 2= gub e'QmfgL 3,22,95,45,799 2,06,63,37,405
2=1 Jofh vr{ 1,95,39,89,920 1,29,77,81,361 2=2 sd{rf/L vr{ 57,42,24,655 25,49,01,231 2=3 sfof{no ;+rfng vr{ 39,04,95,677 22,40,23,694 2=4 cfos/ e'QmfgL 31,08,35,547 28,96,31,119 2=5 cGo vr{ - -
sfo{ut k"“hL (Working Capital) ultljlw cl3sf] gub k|jfx 1,42,78,58,731 54,62,84,699 ;+rfng ;DaGwL rfn' ;DklQdf sdL÷-a[l4_ (10,53,41,21,741) (8,75,97,32,117)
1= dfFu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ 2,97,64,91,524 (66,09,76,816)2= cGo cNksflng nufgLdf sdL÷-a[l4_ (78,33,15,654) (1,13,05,07,476)3= shf{ tyf ljN; vl/bdf sdL÷-a[l4_ (12,58,04,16,131) (6,87,69,50,928)4= cGo ;DklQdf sdL÷-a[l4_ (14,68,81,480) (9,12,96,897)
;+rfng ;DaGwL rfn' bfloTjdf sdL÷-a[l4_ 5,59,56,83,921 12,23,30,51,171 1= lgIf]k bfloTjdf -sdL_÷a[l4 10,83,77,47,150 8,27,41,85,129 2= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷a[l4 - - 3= cNksfnLg ;fk6Ldf -sdL_÷a[l4 (23,65,93,378) - 4= cGo bfloTjdf -sdL_÷a[l4 (5,00,54,69,851) 3,95,88,66,041
-v_-v_ nufgL sf/f]af/df gub k|jfxnufgL sf/f]af/df gub k|jfx 1,33,34,81,517 1,33,34,81,517 (61,93,09,178) (61,93,09,178)1= bL3{sfnLg nufgLdf sdL÷-a[l4_ (1,07,03,90,057) (65,09,47,235)2= l:y/ ;DklQdf sdL÷-a[l4_ (75,09,57,895) (5,23,42,576)3= bL3{sfnLg nufgLdf Jofh cfDbfgL 10,41,31,698 8,39,27,234 4= nfef+z cfDbfgL 5,60,517 53,398 5= cGo 3,05,01,37,254 -
-u_-u_ ljQLo >f]t sf/f]af/af6 gub k|jfxljQLo >f]t sf/f]af/af6 gub k|jfx 1,17,56,57,487 1,17,56,57,487 91,53,10,740 91,53,10,740 1= bL3{sfnLg C0f -j08, l8j]Gr/ cflb_ df a[l4÷-sdL_ 20,96,73,178 50,00,00,000 2= z]o/ k"“hLdf a[l4÷-sdL_ 2,81,52,000 - 3= cGo bfloTjdf a[l4÷-sdL_ut jif{sf] gub nfef+z (14,67,692) (2,26,89,260)4= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{df a[l4÷-sdL_ 93,93,00,000 43,80,00,000 5= z]o/ lk|ldoddf a[l4÷-sdL_ - -
-3_-3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ 4,16,69,855 4,16,69,855 2,98,78,386 2,98,78,386 -ª_-ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfxo; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx (95,97,70,230) (95,97,70,230) 4,34,54,83,701 4,34,54,83,701 -r_-r_ gub tyf a}+sdf /x]sf] z''? df}Hbftgub tyf a}+sdf /x]sf] z''? df}Hbft 11,48,39,66,341 11,48,39,66,341 5,79,70,08,151 5,79,70,08,151 -5_-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbftgub tyf a}+sdf /x]sf] clGtd df}Hbft 10,52,41,96,111 10,52,41,96,111 10,14,24,91,852 10,14,24,91,852
b= pk]Gb| kf}8]n b= kjg s'df/ uf]Nof0f b= /fh]Gb| sfkm\n] b= l;=P= ;+lha s'df/ ld>k|d'v sfo{sf/L clws[t cWoIf ;+rfns l6 cf/ pkfWofo P08 sDkgL rf6{8{ PsfpG6]G6\;\b= dgf]h s'df/ uf]on b= lgsf] lkn b= /f]d0fL k|;fb kf7s;+rfns ;+rfns ;+rfns b= xl/ZrGb| ;'j]bL b= sdn]z s'df/ cu|jfn b= xl/afa' Gof}kfg] b= hLjgdfg hf]zL ;+rfns ;+rfns ;+rfns ;+rfns b= k|bLk k|wfg b= d[b'n k/fh'nL k|d'v ck/]l6+u clkm;/ k|d'v ljQ tyf of]hgf
ldlt M )* sflQs @)&#, 7]ufgf M PgPdla ejg, aa/dxn, sf7df8f}+
xfd|f] cfhsf] ldltsf] k|ltj]bg cg';f/
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
3939
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
4141
jf;nft@)&# ;fn cfiff9 #! ut] -h'nfO{ !%, @)!^_ sf]
k"“hL tyf bfloTjk"“hL tyf bfloTj cg';"rLcg';"rL rfn' cf=j= ?=rfn' cf=j= ?= ut cf=j= ?=ut cf=j= ?=
1 z]o/ k"“hL $=! 5,51,86,35,934 2,73,23,64,746 2 hu]8f tyf sf]ifx? $=@ 1,34,25,23,574 56,40,82,222 3 C0fkq tyf aG8 $=# 50,00,00,000 50,00,00,000 4 ltg{ af“sL shf{ ;fk6 $=$ 1,48,79,94,615 43,80,00,000 5 lgIf]k bfloTj $=% 64,78,14,63,622 36,72,29,17,654 6 e'QmfgL lbg'kg]{ ljnx? $=^ - 2,17,17,138 7 k|:tfljt nfef+z 5,43,00,625 1,74,92,881 8 cfos/ bfloTj - - 9 cGo bfloTj $=& 92,84,09,514 34,08,88,475 s"n bfloTjs"n bfloTj 74,61,33,27,884 74,61,33,27,884 41,33,74,63,116 41,33,74,63,116
;DklQ;DklQ cg';"rLcg';"rL rfn' cf=j= ?=rfn' cf=j= ?= ut cf=j= ?=ut cf=j= ?=
1 gub df}Hbft $=* 1,49,11,51,855 81,75,85,058 2 g]kfn /fi6« a}+sdf /x]sf] df}Hbft $=( 6,39,05,85,135 3,39,12,44,786 3 a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft $=!) 2,29,88,01,972 2,09,67,12,284 4 dFfu tyf cNk ;"rgfdf k|fKt x'g] /sd $=!! 55,78,22,817 72,26,07,414 5 nufgL $=!@ 8,50,41,25,557 5,98,38,72,284 6 shf{ ;fk6 tyf ljn vl/b $=!# 53,02,13,84,326 27,28,88,91,489 7 l:y/ ;DklQ $=!$ 1,34,55,19,344 37,42,53,130 8 u}/ a}+lsË ;DklQ $=!% - - 9 cGo ;DklQ $=!^ 1,00,39,36,878 66,22,96,671 s"n ;DklQs"n ;DklQ 74,61,33,27,884 74,61,33,27,884 41,33,74,63,116 41,33,74,63,116
;+efljt bfloTj cg';"rL $=!&;+rfnsx?sf] 3f]if0ff cg';"rL $=@(k"“hLsf]if tflnsf cg';"rL $=#) -s !_shf{ hf]lvd cg';"rL $=#) -v_Credit Risk Mitigation sf] nflu of]Uo /sd cg';"rL $=#) -u_;+rfng hf]lvd cg';"rL $=#) -3_ahf/ hf]lvd cg';"rL $=#) -ª_k|d'v ;"rsf°x? cg';"rL $=#!k|d'v n]vf gLltx? cg';"rL $=#@n]vf ;DaGwL l6Kk0fLx? cg';"rL $=##;+:yfksx?sf] shf{ ljj/0f cg';"rL $=#$n]vfk/LIf0f gePsf] / n]vfk/LIf0f ePsf] ljQLo glthfsf] t'ngfTds ljj/0f cg';"rL $=#%n]vfk/LIf0f gePsf] ljQLo glthf cg';"rL $=#^$=! b]lv $=!&, $=#@ b]lv $=## ;Ddsf cg';"rLx? Jff;nftsf cleGg c+u x'g\ .
b= pk]Gb| kf}8]n b= kjg s'df/ uf]Nof0f b= /fh]Gb| sfkm\n] b= l;=P= ;+lha s'df/ ld>k|d'v sfo{sf/L clws[t cWoIf ;+rfns l6 cf/ pkfWofo P08 sDkgL rf6{8{ PsfpG6]G6\;\b= dgf]h s'df/ uf]on b= lgsf] lkn b= /f]d0fL k|;fb kf7s;+rfns ;+rfns ;+rfns b= xl/ZrGb| ;'j]bL b= sdn]z s'df/ cu|jfn b= xl/afa' Gof}kfg] b= hLjgdfg hf]zL ;+rfns ;+rfns ;+rfns ;+rfns b= k|bLk k|wfg b= d[b'n k/fh'nL k|d'v ck/]l6+u clkm;/ k|d'v ljQ tyf of]hgf
ldlt M )* sflQs @)&#, 7]ufgf M PgPdla ejg, aa/dxn, sf7df8f}+
xfd|f] cfhsf] ldltsf] k|ltj]bg cg';f/
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
gfkmf gf]S;fg lx;fjldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f cg';"rLcg';"rL rfn' cf=j= ?=rfn' cf=j= ?= ut cf=j= ?=ut cf=j= ?=
1 Jofh cfDbfgL $=!* 4,05,33,40,661 2,31,54,41,198 2 Jofh vr{ $=!( 2,04,00,59,139 1,34,80,73,632
v'b Jofh cfDbfgLv'b Jofh cfDbfgL 2,01,32,81,522 2,01,32,81,522 96,73,67,566 96,73,67,566
3 sldzg tyf l8:sfp06 $=@) 19,76,15,501 11,26,15,711 4 cGo ;+rfng cfDbfgL $=@! 21,81,05,846 11,22,70,220 5 ;6xL 36a9 cfDbfgL $=@@ 16,02,68,673 11,95,13,544
s"n ;+rfng cfDbfgLs"n ;+rfng cfDbfgL 2,58,92,71,542 2,58,92,71,542 1,31,17,67,041 1,31,17,67,041
6 sd{rf/L vr{ $=@# 47,13,11,447 20,18,15,190 7 cGo ;+rfng vr{ $=@$ 47,35,49,140 28,81,11,738 8 ;6xL 36a9 gf]S;fg $=@@ - -
;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf 1,64,44,10,955 1,64,44,10,955 82,18,40,113 82,18,40,113
9 ;Defljt gf]S;fgL Joj:yfx? $=@% 57,63,23,341 9,70,73,735 ;+rfng d'gfkmf;+rfng d'gfkmf 1,06,80,87,614 1,06,80,87,614 72,47,66,378 72,47,66,378
10 u}/ ;+rfng cfDbfgL÷gf]S;fg $=@^ 5,58,43,672 1,73,52,379
11 ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ $=@& 65,00,79,224 4,19,73,510 lgoldt sf/f]af/af6 ePsf] d'gfkmflgoldt sf/f]af/af6 ePsf] d'gfkmf 1,77,40,10,510 1,77,40,10,510 78,40,92,267 78,40,92,267
12 c;fdfGo sf/f]af/x?af6 ePsf] d'gfkmf÷vr{ $=@* (1,09,42,028) - ;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 1,76,30,68,482 1,76,30,68,482 78,40,92,267 78,40,92,267
13 sd{rf/L af]g; Joj:yf 16,02,78,953 7,12,81,115
14 cfos/ Joj:yf 48,77,24,902 21,18,21,544 o; jif{sf]o; jif{sf] 31,38,40,105 31,38,40,105 20,73,91,560 20,73,91,560
ut jif{{;Ddsf] ut jif{{;Ddsf] 69,01,230 69,01,230 - - :yug cfos/:yug cfos/ 16,69,83,568 16,69,83,568 44,29,984 44,29,984
v'b gfkmf÷gf]S;fgv'b gfkmf÷gf]S;fg 1,11,50,64,627 1,11,50,64,627 50,09,89,608 50,09,89,608 $=!* b]lv $=@* ;Ddsf cg';"rLx? gfkmf gf]S;fg lx;fjsf cleGg c+u x'g\ .
b= pk]Gb| kf}8]n b= kjg s'df/ uf]Nof0f b= /fh]Gb| sfkm\n] b= l;=P= ;+lha s'df/ ld>k|d'v sfo{sf/L clws[t cWoIf ;+rfns l6 cf/ pkfWofo P08 sDkgL rf6{8{ PsfpG6]G6\;\b= dgf]h s'df/ uf]on b= lgsf] lkn b= /f]d0fL k|;fb kf7s;+rfns ;+rfns ;+rfns b= xl/ZrGb| ;'j]bL b= sdn]z s'df/ cu|jfn b= xl/afa' Gof}kfg] b= hLjgdfg hf]zL ;+rfns ;+rfns ;+rfns ;+rfns b= k|bLk k|wfg b= d[b'n k/fh'nL k|d'v ck/]l6+u clkm;/ k|d'v ljQ tyf of]hgf
ldlt M )* sflQs @)&#, 7]ufgf M PgPdla ejg, aa/dxn, sf7df8f}+
xfd|f] cfhsf] ldltsf] k|ltj]bg cg';f/
4343
gfkmf gf]S;fg afF8kmfF8 lx;fjldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f cg';"rLcg';"rL o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
cfDbfgLcfDbfgL
1 ut jif{;Ddsf] ;+lrt d'gfkmf 9,523,179 984,535 2 o; jif{sf] d'gfkmf 1,115,064,627 500,989,608 3 ;6xL 36a9 sf]if - - 4 nufgL ;dfof]hg sf]if 19,992,000 - 5 dh{af6 z]o/ cg'kftdf ePsf] d'gfkmf 651,180,180 - hDdf hDdf 1,795,759,986 1,795,759,986 501,974,143 501,974,143 vr{{vr{{
1 ut jif{;Ddsf] ;+lrt gf]S;fg - - 2 uflePsf ;+:yfsf ;+lrt gf]S;fg 49,09,83,319 3 o; jif{sf] gf]S;fg - - 4 ;fwf/0f hu]8fsf]if 22,30,12,925 10,01,97,922 5 e}k/L cfpg] hu]8f - - 6 ;+:yf ljsf; sf]if - - 7 nfefFz ;dLs/0f sf]if - - 8 sd{rf/L ;DaGwL hu]8fx? - - 9 k|:tfljt nfefFz 5,43,00,625 1,74,92,881 10 k|:tfljt af]g; z]o/ hf/L 1,03,17,11,869 33,23,64,746 11 ljz]if hu]8f sf]if - - 12 ;6xL 36a9 sf]if 1,04,17,464 74,69,597 13 k"FhL lkmtf{ hu]8f sf]if - - 14 k"FhL ;dfof]hg sf]if 4,09,25,498 - 15 cGo (7,77,86,289) 3,49,25,818
s_ :yug s/ sf]if (16,69,83,568) (44,29,984)v_ nufgL ;dfof]hg sf]if (15,53,591) 23,09,556 u_ C0fkq e'QmfgL sf]if 9,07,50,870 3,70,46,246
hDdf hDdf 1,77,35,65,411 1,77,35,65,411 49,24,50,964 49,24,50,964 15 ;+lrt d'gfkmf÷-gf]S;fg_ 2,21,94,575 95,23,179
22,194,575 9,523,179
b= pk]Gb| kf}8]n b= kjg s'df/ uf]Nof0f b= /fh]Gb| sfkm\n] b= l;=P= ;+lha s'df/ ld>k|d'v sfo{sf/L clws[t cWoIf ;+rfns l6 cf/ pkfWofo P08 sDkgL rf6{8{ PsfpG6]G6\;\b= dgf]h s'df/ uf]on b= lgsf] lkn b= /f]d0fL k|;fb kf7s;+rfns ;+rfns ;+rfns b= xl/ZrGb| ;'j]bL b= sdn]z s'df/ cu|jfn b= xl/afa' Gof}kfg] b= hLjgdfg hf]zL ;+rfns ;+rfns ;+rfns ;+rfns b= k|bLk k|wfg b= d[b'n k/fh'nL k|d'v ck/]l6+u clkm;/ k|d'v ljQ tyf of]hgf
ldlt M )* sflQs @)&#, 7]ufgf M PgPdla ejg, aa/dxn, sf7df8f}+
xfd|f] cfhsf] ldltsf] k|ltj]bg cg';f/
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
OSjL6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f
cf=a= @)&@
/)&#
ljj/0f
ljj/0f
z]o/
k"FhL
z]o/
k"FhL
;+lrt
/ ;+lrt
/ gfkmf
gfkmf
gf]S;
fggf]S;
fg
;fwf/0f
;fwf/0f
hu]8
f hu]8
f sf]if
sf]if
k|:tfljt
k|:tfljt
af]g;
af]g;
z]o/
z]o/
k"FhLut
k"FhLut
hu]8
f hu]8
f sf]if -z]o/
sf]if -z]o/
lk|ldod
_lk|ldod
_
;6x
L ;6x
L 36a
9 36a
9 sf]if
sf]if
:yug
:y
ug
s/ sf]if
s/ sf]if
nufgL
nufgL
;dfof]hg
;dfof]hg
sf]if
sf]if
C0fkq
C0fkq
e'Q
mfgL
e'Qmfg
L sf]if
sf]if
k"FhLut
k"FhLut
;dfof]hg
sf]if
;dfof]hg
sf]if
-Sw
ap
Surp
lus_
k"FhLut
k"FhLut
;dfof]hg
;dfof]hg
sf]if
sf]if
s"n /sd
s"n /sd
z'? d
f}Hbft
2,4
0,00
,00,
000
95,
23,1
79
45,
07,6
5,878
3
3,23
,64,7
46
1,0
0,77
,915
2
,83,
79,2
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2=1 Jofh vr{ 1,93,88,87,773 1,30,48,89,656 2=2 sd{rf/L vr{ 53,31,84,686 25,01,65,570 2=3 sfof{no ;+rfng vr{ 37,27,75,190 21,99,45,198 2=4 cfos/ e'QmfgL 28,79,59,521 28,16,15,438 2=5 cGo vr{ - -
sfo{ut k"“hL (Working Capital) ultljlw cl3sf] gub k|jfx 1,36,21,28,856 50,71,70,866 ;+rfng ;DaGwL rfn' ;DklQdf sdL÷-a[l4_ (10,60,42,46,849) (8,72,85,38,773)
1= dfFu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ 2,71,25,28,934 (66,09,76,816)2= cGo cNksflng nufgLdf sdL÷-a[l4_ (78,33,15,654) (1,13,05,07,476)3= shf{ tyf ljN; vl/bdf sdL÷-a[l4_ (12,39,40,05,894) (6,87,69,50,928)4= cGo ;DklQdf sdL÷-a[l4_ (13,94,54,235) (6,01,03,553)
;+rfng ;DaGwL rfn' bfloTjdf sdL÷-a[l4_ 10,81,30,21,182 9,63,43,01,107 1= lgIf]k bfloTjdf -sdL_÷a[l4 10,78,33,93,592 9,63,56,59,618 2= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷a[l4 - - 3= cNksfnLg ;fk6Ldf -sdL_÷a[l4 (2,76,73,654) - 4= cGo bfloTjdf -sdL_÷a[l4 5,73,01,244 (13,58,511)
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b= pk]Gb| kf}8]n b= kjg s'df/ uf]Nof0f b= /fh]Gb| sfkm\n] b= l;=P= ;+lha s'df/ ld>k|d'v sfo{sf/L clws[t cWoIf ;+rfns l6 cf/ pkfWofo P08 sDkgL rf6{8{ PsfpG6]G6\;\b= dgf]h s'df/ uf]on b= lgsf] lkn b= /f]d0fL k|;fb kf7s;+rfns ;+rfns ;+rfns b= xl/ZrGb| ;'j]bL b= sdn]z s'df/ cu|jfn b= xl/afa' Gof}kfg] b= hLjgdfg hf]zL ;+rfns ;+rfns ;+rfns ;+rfns b= k|bLk k|wfg b= d[b'n k/fh'nL k|d'v ck/]l6+u clkm;/ k|d'v ljQ tyf of]hgf
ldlt M )* sflQs @)&#, 7]ufgf M PgPdla ejg, aa/dxn, sf7df8f}+
xfd|f] cfhsf] ldltsf] k|ltj]bg cg';f/
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
z]o/xf]N8/x?sf] gfdz]o/xf]N8/x?sf] gfdo; jif{ ?=o; jif{ ?=
/sd -?=_/sd -?=_ hDdf ∞hDdf ∞
sd{rf/L ;+rosf]if 43,83,72,500 9.77%o+u lnog l/oN6L P;= 8L= Pg= lj Pr 8L=,dn]l;of 33,43,60,100 7.45%ufO{qL Oge]:6d]G6 P08 Dofg]hd]G6 -k|f=_ lnld6]8 15,72,00,900 3.50%FMO 14,28,74,000 3.18%gGb lszf]/ /f7L 13,35,89,100 2.98%wgGho k|;fb cfrf{o 12,11,87,800 2.70%ljzfn cu|jfn 10,39,16,900 2.32%k'?iff]Qd nfn ;+wO{ 9,25,05,200 2.06%;Gtf]if /f7L 7,96,92,800 1.78%kjg s'df/ uf]Nof0f 7,32,75,400 1.63%;Gtf]if b]jL d'/f/sf 6,30,18,300 1.40%cgGt s'df/ uf]Nof0f 4,07,97,700 0.91%/fh s'df/ uf]on 4,07,22,600 0.91%lbgjGw' cu|jfn 4,02,78,400 0.90%
z]o/ :jldTj ljj/0fz]o/ :jldTj ljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?= ut jif{ ?=
∞ z]o/ k"FhLz]o/ k"FhL ∞ z]o/ k"FhLz]o/ k"FhL
1= :jb]zL :jldTj 89.36 4,00,96,89,794 87.10 2,09,04,07,228 1=1 >L g]kfn ;/sf/ - - - - 1=2 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? - - - - 1=3 cGo Ohfhtkq k|fKt ;+:yfx? - - - - 1=4 cGo ;+:yfx? 17.38 77,99,79,765 17.57 42,16,66,748 1=5 ;j{;fw/0f 71.98 3,22,97,10,030 69.53 1,66,87,40,480 1=6 cGo - - - - v= a}b]lzs :jldTj 10.64 47,72,34,272 12.90 30,95,92,772 hDdfhDdf 100 100 4,48,69,24,066 4,48,69,24,066 100 100 2,40,00,00,000 2,40,00,00,000 gf]6 M dfly cg';"rLdf plNnlvt ljj/0f cGtu{t )=% k|ltzt jf ;f]eGbf a9L :jfldTj ePsf] lgDglnlvt JolQm÷;d"x÷kmd{ tyf sDkgLx?n] PgPdla a}+s lnld6]8sf] z]o/ :jfldTjdf /fv]sf 5g\ .
cg';"rL $=!
z]o/ k"“hL tyf :jfldTj@)&# ;fn cfiff9 #! ut] -h'nfO{ !^, @)!%_ sf]
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
!= z]o/ k"“hL
1=1 clws[t k"“hL
s_ *),))),))) ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] 8,00,00,00,000 5,00,00,00,000 v_ ========== gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?============ n]
u_ ========== l/l8d]jn lk|km/]G; z]o/ k|lt z]]o/ ?============ n]
1=2 hf/L k"“hL
s_ $,$*,^(,@$! ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] 4,48,69,24,066 2,40,00,00,000 v_ ========== gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?============ n]
u_ ========== l/l8d]jn lk|km/]G; z]o/ k|lt z]]o/ ?============ n]
1=3 r'Qmf k"“hL
s_ $,$*,^(,@$! ;fwf/0f z]o/ k|lt z]o/ ? !)) n] k|lt z]o/ r'Qmf ?=!)) 4,48,69,24,066 2,40,00,00,000 v_ ========== gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?============ n]
u_ ========== l/l8d]jn lk|km/]G; z]o/ k|lt z]]o/ ?============ n]
1=4 k|:tfljt af]g; z]o/ 1,03,17,11,869 33,23,64,746 1=5 sN; Og P8efG; - -1=6 sN; Og Pl/P/\; - -
hDdfhDdf 5,51,86,35,934 5,51,86,35,934 2,73,23,64,746 2,73,23,64,746
4747
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
4949
cg';"rL $=@
hu]8f tyf sf]ifx?-@)&# cfiff9 d;fGt_
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=!= ;fwf/0f . a}wflgs hu]8f sf]if 1,00,76,23,410 45,07,65,878 @ k"“hLut hu]8f sf]if 1,01,50,347 1,00,77,915 # k"“hLut lkmtf{ hu]8f sf]if (Capital Redemption Reserve) - - $ k"“hL ;dfof]hg sf]if 5,32,95,483 - % k"FhL ;dfof]hg sf]if (Swap Surplus) - ^ cGo hu]8f tyf sf]if 20,80,48,644 6,53,36,030
s_ e}k/L cfpg] hu]8f - - v_ ;+:yf ljsf; sf]if - - u_ nfef+z ;lds/0f sf]if - - 3_ ljz]if hu]8f sf]if - - ª_ ;DklQ k'gd"{Nof°g sf]if - - r_ :yug s/ sf]if 6,53,18,853 2,38,36,862 5_ cGo :jtGq sf]if - - h_ nufgL ;dfof]hg sf]if 1,49,32,675 44,52,922 em_ C0fkq e'QmfgL sf]if 12,77,97,116 3,70,46,246 0f_ cGo hu]8f sf]if - -
& ;l~rt gfkmf÷gf]S;fg 2,21,94,575 95,23,179 * ;6xL 36a9 sf]if 4,12,11,115 2,83,79,220 hDdf hDdf 1,34,25,23,574 1,34,25,23,574 56,40,82,222 56,40,82,222
an/fd Gof}kfg] 3,87,86,600 0.86%g/kt l;+x h}g 3,57,50,700 0.80%kz'klt d'/f/sf 3,39,66,000 0.76%czf]s s'df/ d'/f/sf 2,99,47,800 0.67%o'uf]n lszf]/ /f7L 2,48,32,900 0.55%k|lbk s'df/ d'/f/sf 2,47,97,000 0.55%/fh]z cu|jfn 2,38,06,700 0.53%uf}/a Oge]:6d]G6 -k|f=_ lnld6]8 2,25,21,200 0.50%
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
cg';"rL $=#
C0fkq tyf j08-@)&# cfiff9 d;fGt_
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
!= & k|ltzt j08÷C0fkq k|lt j08÷C0fkq ?=!,))) n] 50,00,00,000 50,00,00,000.00 ldlt ^.!!.@)&! df hf/L ePsf] / ldlt %.%.@)&& df r'Qmf x'g]
-xfn;Ddsf] Redemption Reserve /sd ?=!@,&&,(&,!!#_
@ ====== k|ltzt j08÷C0fkq k|lt j08÷C0fkq ========= ?====== n] - -ldlt ========= df hf/L ePsf] / ldlt ======== df r'Qmf x'g]
-xfn;Ddsf] Redemption Reserve /sd ?=====================_
#= ======= ========= - -hDdf !+@+#hDdf !+@+# 50,00,00,000 50,00,00,000 50,00,00,000.00 50,00,00,000.00
cg';"rL $=$
ltg{ af“sL shf{ -;fk6L_-@)&# cfiff9 d;fGt_
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
s= :jb]zL
!= >L g]kfn ;/sf/ - -@= g]kfn /fi6« a}+s 1,37,73,00,000 43,80,00,000.00 #= l/kf] bfloTj - -$= cGt/ a}+s tyf ljQLo ;+:yf - -%= cGo ;+ul7t ;+:yfx? - -^= cGo - -
hDdf hDdf 1,37,73,00,000 1,37,73,00,000 43,80,00,000 43,80,00,000 v= ljb]zL
!= a}+sx? 11,06,94,615.47 - @= cGo - -
hDdf hDdf 11,06,94,615.47 11,06,94,615.47 - - hDdf -s+v_ hDdf -s+v_ 1,48,79,94,615 1,48,79,94,615 43,80,00,000 43,80,00,000
5151
cg';"rL $=%
lgIf]k lx;fj-@)&# cfiff9 d;fGt_
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
1 Jofh ltg'{ gkg]{ vftfx?
s rNtL lx;fjrNtL lx;fj 2,66,97,61,217 2,66,97,61,217 1,45,76,15,709 1,45,76,15,709 1= :jb]zL d'b|fdf 2,26,11,86,607 1,33,97,98,420 1=1 >L g]kfn ;/sf/ 53,20,78,147 28,89,87,307 1=2 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? 76,69,844 86,00,914 1=3 cGo Ohfhtkq k|fKt ljQLo ;+:yfx? 14,95,85,371 18,01,99,844 1=4 cGo ;+ul7t ;+:yfx? 1,36,94,75,215 79,77,87,077 1=5 JolQmut 18,06,35,186 6,42,23,279 1=6 cGo 2,17,42,845 - 2= ljb]zL d'\b|fdf 40,85,74,610 11,78,17,289 2=1 >L g]kfn ;/sf/ - 2=2 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? - 2=3 cGo Ohfhtkq k|fKt ljQLo ;+:yfx? - 2=4 cGo ;+ul7t ;+:yfx? 40,83,59,910 11,62,85,857 2=5 JolQmut 2,14,700 15,31,432 2=6 cGo - -
v=v= dflh{gdflh{g 2,06,03,13,078 2,06,03,13,078 1,88,65,37,540 1,88,65,37,540 1= sd{rf/L hdfgt - 2= hdfgt dflh{g 13,17,86,550 5,33,02,835 3= k|lttkq dflh{g 1,92,85,26,528 1,83,32,34,705
u=u= cGocGo - -1= :jb]zL d'b|fdf - -1=1 ljQLo ;+:yfx? - -1=2 cGo ;+ul7t ;+:yfx? - -1=3 JolQmut - -2= ljb]zL d'\b|fdf - -2=1 ljQLo ;+:yfx? - -2=2 cGo ;+ul7t ;+:yfx? - -2=3 JolQmut - -
Jofh ltg'{ gkg]{ vftfx?sf] hDdfJofh ltg'{ gkg]{ vftfx?sf] hDdf 4,73,00,74,295 4,73,00,74,295 3,34,41,53,249 3,34,41,53,249 2= Jofh ltg'{ kg]{ vftfx?
s=s= art lx;fjart lx;fj 18,61,87,25,873 18,61,87,25,873 7,82,77,79,637 7,82,77,79,637 1= :jb]zL d'b|fdf 18,45,48,36,349 7,72,02,34,874 1=1 ;+3 ;+:yfx? 48,86,34,369 48,87,87,943 1=2 JolQmut 17,95,14,22,159 7,23,14,46,930 1=3 cGo 1,47,79,821 - 2= ljb]zL d'\b|fdf 16,38,89,524 10,75,44,763 2=1 ;+3 ;+:yfx? 4,97,64,973 4,44,40,863 2=2 JolQmut 11,41,24,551 6,31,03,900 2=3 cGo -
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
v=v= d'2tL lx;fjd'2tL lx;fj 26,97,51,43,670 26,97,51,43,670 11,19,62,30,671 11,19,62,30,671 1= :jb]zL d'b|fdf 26,07,05,83,045 10,92,70,57,424 1=1 ;+3 ;+:yfx? 18,69,90,18,950 7,53,59,79,534 1=2 JolQmut 7,36,44,24,095 3,39,10,77,890 1=3 cGo 71,40,000 - 2= ljb]zL d'\b|fdf 90,45,60,625 26,91,73,247 2=1 ;+3 ;+:yfx? 90,10,35,750 26,57,97,397 2=2 JolQmut 35,24,875 33,75,850 2=3 cGo -
u=u= dfu]sf] avt ltg'{ kg]{ lx;fjdfu]sf] avt ltg'{ kg]{ lx;fj 14,45,75,19,784 14,45,75,19,784 14,35,47,54,097 14,35,47,54,097 1= :jb]zL d'b|fdf 13,20,07,19,140 12,97,15,38,248 1=1 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? - - 1=2 cGo Ohfhtkq k|fKt ljQLo ;+:yfx? 1,17,12,32,004 3,70,02,34,815 1=3 cGo ;+ul7t ;+:yfx? 10,94,84,08,708 7,16,20,04,360 1=4 JolQmut 1,02,18,23,809 2,10,92,99,073 1=5 cGo 5,92,54,619 - 2= ljb]zL d'\b|fdf 1,25,68,00,644 1,38,32,15,849 2=1 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? - 2=2 cGo Ohfhtkq k|fKt ljQLo ;+:yfx? 5,87,947 3,38,90,765 2=3 cGo ;+ul7t ;+:yfx? 1,25,62,12,697 1,34,93,25,084 2=4 JolQmut - 2=5 cGo -
#=#= ;l6{lkms]6 ckm l8kf]lh6;l6{lkms]6 ckm l8kf]lh6 - - - - 1= ;+ul7t ;+:yf - 2= JolQmut - 3= cGo -
Jofh ltg'{ kg]{ vftfx?sf] hDdfJofh ltg'{ kg]{ vftfx?sf] hDdf 60,05,13,89,327 60,05,13,89,327 33,37,87,64,405 33,37,87,64,405 -!±@_ hDdf lgIf]k-!±@_ hDdf lgIf]k 64,78,14,63,622 64,78,14,63,622 36,72,29,17,654 36,72,29,17,654
5353
cg';"rL $=^
e'QmfgL lbg' kg]{ ljnx?-@)&# cfiff9 d;fGt_
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
!= :jb]zL d'b|f - -
@= ljb]zL d'b|f - -
hDdf hDdf - -
cg';"rL $=&
cGo bfloTj-@)&# cfiff9 d;fGt_
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
!= k]G;g÷pkbfg sf]if - 2,91,47,743
@= sd{rf/L ;~ro sf]if - -
#= sd{rf/L sNof0f sf]if - -
$= sd{rf/L af]g; Joj:yf 16,02,78,953 7,12,81,115
%= lgIf]kdf e'QmfgL lbg af“sL Jofh 17,50,18,662 7,81,38,743
^= ;fk6Ldf e'QmfgL lbg af“sL Jofh 28,55,180 18,24,007
&= kfsL g;s]sf] l8:sfp06 / sldzg 6,45,04,061 2,26,15,480
*= ;08«L qm]l86;{ 33,28,38,729 4,63,75,813
(= zfvf ldnfg lx;fj - -
!)= :yug s/ bfloTj - -
!!= e'QmfgL lbg af“sL nfef+z 3,40,13,359 1,69,03,516
!@= cGo 15,89,00,571 9,63,19,196
s_ dr]{G6 a}+lsu–z]o/ lgisfzgaf6 ;+slnt /sd 2,38,62,927 2,17,17,138
v_ e'QmfgL lbg af“sL n]vf kl/If0f z"Ns 10,03,500 2,14,700
u_ sd{rf/L ;~ro lj/fdL ljbf sf]if 5,60,41,112 1,74,85,493
3_ e'QmfgL lbg af“sL C0fkq Jofh 1,75,47,945 1,42,87,671
ª_ cGo 6,04,45,087 4,26,14,194
hDdf hDdf 92,84,09,514 92,84,09,514 36,26,05,613 36,26,05,613
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
cg';"rL $=(
g]kfn /fi6« a}+sdf /x]sf] df}Hbft-@)&# cfiff9 d;fGt_
ljj/0fljj/0f :jb]zL d'b|f ?=:jb]zL d'b|f ?= ljb]zL d'b|f ?=dfljb]zL d'b|f ?=df s"n ?=s"n ?= ut jif{ ?=ut jif{ ?=
ef=?=ef=?= kl/jTo{ lj=d'=kl/jTo{ lj=d'= hDdfhDdf
!= g]kfn /fi6« a}+s 6,39,05,85,135 3,39,12,44,786 s= rNtL vftf 5,97,66,67,305 - 4 1,39,17,830 41,39,17,830 6,39,05,85,135 3,39,12,44,786 v= cGo vftf - - - - - -
gf]6M g]kfn /fi6« a}+ssf] ;dy{gkq cg';f/sf] s"n df}Hbft ?=^,$!,%(,#*,^)& /x]sf] 5 .
cg';"rL $=*
gub df}Hbft-@)&# cfiff9 d;fGt_
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
!= :jb]zL d'b|f 1,46,78,72,732 79,07,30,099 @= ljb]zL d'b|f 2,32,79,123 2,68,54,959 hDdfhDdf 1,49,11,51,855 1,49,11,51,855 81,75,85,058 81,75,85,058
5555
cg';
"rL $=!)
a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft
-@)&# cfiff9 d
;fGt
_
ljj/0f
ljj/0f
:jb]z
L d'b
|f?=
:jb]z
L d'b
|f?=
ljb]z
L d'b
|f ?=df
ljb]z
L d'b
|f ?=df
s"n ?
=s"n ?
=ut
jif{
?=
ut j
if{ ?=
ef=?=
ef=?=
kl/jTo{ lj=d'=
kl/jTo{ lj=d'=
hDdf
hDdf
!=:jb]z
L Oh
fhtk
q
k|fKt ;
+:yfx?
2,2
9,88,0
1,97
2 3
7,98
,09,
462
s=
rNtL vftf
1,1
0,51
,51,
251
48,0
2,76
,919
7
1,33
,73,
802
1
,19,
36,5
0,72
1 2
,29,
88,0
1,97
2 3
7,98
,09,
462
v=
cGo v
ftf
-
-
!=ljb]z
L a}+s
x? -
1
,71,
69,0
2,822
s=
rNtL vftf
-
-
-
-
-
1,7
1,69
,02,
822
v=
cGo v
ftf
-
-
hDdf
hDdf
2,2
9,88,0
1,97
2 2
,29,
88,0
1,97
2 2
,09,
67,1
2,28
4
2,0
9,67
,12,
284
s_ ;Da
lGwt
Ohfh
tkqk
|fKt ;
+:yfx?
;dy{g
kq c
g';f/sf] s"n d
f}Hbft
?= 2
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. km/s
/sdx?
lx;
fa ldnfg
sf ul
/Psf 5g\
.
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
cg';"rL $=!!
dfu tyf cNk;"rgfdf k|fKt x'g] /sdx?-@)&# cfiff9 d;fGt_
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
!= :jb]zL d'b|fdf - -
@= ljb]zL d'b|fdf 55,78,22,817 72,26,07,414
hDdfhDdf 55,78,22,817 55,78,22,817 72,26,07,414 72,26,07,414 gf]6 M dfFu tyf cNk;"rgfdf k|fKt x'g] /sd ;dy{gkq cg';f/sf] s"n df}Hbft ?=^@,)(,^*,$(# . ;a} /sdx?sf] lx;fj ldnfg ul/Psf] 5 .
cg';"rL $=!@
nufgL-@)&# cfiff9 d;fGt_
ljj/0fljj/0f k|of]hgk|of]hg o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
Jofkfl/sJofkfl/s cGocGo
!= >L g]kfn ;/sf/sf] 6«]h/L ljn - 88,02,32,165 88,02,32,165 2,85,22,19,404
@= >L g]kfn ;/sf/sf] artkq 2,00,000 - 2,00,000 -
#= >L g]kfn ;/sf/sf] cGo C0fkq - 3,52,10,87,644 3,52,10,87,644 1,61,68,89,093
$= g]=/f= a}+s C0fkq - - - -
%= ljb]zL C0fkq - - - -
^= :jb]zL Ohfhtkq k|fKt ;+:yf - 3,51,97,78,460 3,51,97,78,460 30,00,00,000
&= ljb]zL a}+s - 32,20,50,000 32,20,50,000 78,65,25,567
*= ;+ul7t ;+:yfx?sf] z]o/ - 26,10,20,749 26,10,20,749 22,50,43,220
(= ;+ul7t ;+:yfx?sf] l8j]Gr/ tyf j08 - - - -
!)= cGo nufgL - - - 20,32,00,000
s"n nufgLs"n nufgL 8,50,43,69,018 8,50,43,69,018 5,98,38,77,284 5,98,38,77,284
Joj:yfJoj:yf 2,43,461 2,43,461 5,000 5,000
v"b nufgLv"b nufgL 8,50,41,25,557 8,50,41,25,557 5,98,38,72,284 5,98,38,72,284
5757
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700
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+= lnld6]8
55,
410
4
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600
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55,
410
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!=%
/fli6
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+:yfg
7,5
2,75
0 7
6,46,
940
-
7,5
2,75
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] r'Qmf
!=&
shf{ ;"rgf s
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1,8
9,00
0 -
-
1
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94,5
00
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fwf/0f z
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!)) n
] r'Qmf
!=*
PgPd
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lnld6]8
10,
00,0
0,00
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-
1
0,00
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000
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+:yfks z
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!=(
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mf]kmfOgf; ljlto
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1,4
0,00
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1
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0,00
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PgPd
la ;
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O0e]id]G6
km08
–!
10,
50,0
0,00
0 1
4,8
0,50
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1
0,50
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000
10,
50,0
0,00
0 !),%)),))) ;fwf/0f z
]o/, k|lt
z]o/
!) n] r
'Qmf
!=!!
PgcfOlaPn
;d|LwL k
m08 –!
64,7
20
85,
430
-
6
4,7
20
34,7
7,820
^$&@ ;
fwf/0f z
]o/, k|lt
z]o/
!) n] r
'Qmf
!=!@
;flg
df d
fF xfO8
f]{ kfj/
32,
59,7
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55,
25,3
40
-
32,
59,7
08
-
%$!& ;fwf/0f z
]o/, k|lt
z]o/
!)) n
] r'Qmf
!=!# l/9L x
fO8f]{ kfj/
9,4
00
38,4
19
-
9,4
00
-
!)# ;
fwf/0f z
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z]o/
!)) n
] r'Qmf
28,1
5,461
2
5,77
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2
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61
28,1
5,461
-
!=!$ ;f]N6L xf6]n lnld6]8
^*&@ ;fwf/0f z
]o/, k|lt
z]o/
!)) n
] r'Qmf
!=!% ;LOl8la x
fO8f]{ km08
1,0
0,00
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-
-
1
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00,0
00
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!=!^ P
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;+:y
f lnld6]8
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4,0
0,00
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3,64
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0,00
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!)) n
] r'Qmf
@= l8j]Gr/ ty
f j08 n
ufgL
-
-
-
-
-
@=! ========
-
-
-
-
-
@=@ ========
-
-
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-
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@=# ========
s"n n
ufgL
s"n n
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26,
10,2
0,74
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6,10
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749
1,0
0,31
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1
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31,4
0,429
2
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461
2
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2
6,10
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26,
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-
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s"n Joj
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s"n Joj
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-
-
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-
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2,4
3,461
2
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5
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5
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v"b
nufgL
v"b
nufgL
26,0
7,77
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26,0
7,77
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22,
50,3
8,2
20
22,
50,3
8,2
20
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jif{ ?=
jif{ ?=
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-gf]S;fg_
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!=>L g]k
fn ;
/sf/sf] 6«]h
/L ljn
--
--
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>L g]k
fn ;
/sf/sf] ar
tkq
2,0
0,00
0 -
--
-#=
>L g]k
fn ;
/sf/sf] cGo C
0fkq
--
--
-$=
g]=/f= a}+s
C0fkq
--
--
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ljb]z
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--
--
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:jb]z
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fhtk
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+:yfsf] z]o/
--
--
-&=
:jb]z
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fhtk
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-u_x|f;s§L k
'g{d"No
f°g÷k'g
n]{vg
-
-
-
-
-
-
-
-3_x|f;s§L /sd
;dfof]hg÷lkmtf{
-
(1,3
4,6
6,04
6) -
(8
,53,
869
) (1
1,56
,463
) (1
,54,7
6,37
8)
(1,6
5,65
,752
)s"n x
|f;s§L
1,8
3,84,0
61
7,1
0,99
,720
-
1
1,04
,30,
747
10,
65,1
4,9
43
30,
64,2
9,471
2
3,57
,46,
012
#=a's
Eofn' (
SLM
*) -!–@_
12,
33,1
4,7
30
13,
62,8
0,35
6 -
5
,15,
60,0
00
10,
12,3
6,01
8
41,
23,9
1,10
2 2
5,16
,89,
137
$=hUuf
86,
99,3
7,410
-
-
-
-
8
6,99
,37,
410
6
,53,
26,5
05
%=k"“h
Lut
lgdf{0f -k"“h
Ls/0f ul/g
' kg]{_
-
-
-
-
-
-
-
^=nLh x
f]N8 ;
DklQ (
net o
f am
ortiz
atio
n) 6
,31,
90,8
32
-
-
-
-
6,3
1,90
,832
5
,72,
37,4
86
hDdf -#±$±
%±^_
hDdf -#±$±
%±^_
1,0
5,64
,42,
972
1,0
5,64
,42,
972
13,
62,8
0,35
6 1
3,62
,80,
356
-
-
5,1
5,60
,000
5
,15,
60,0
00
10,
12,3
6,01
8
10,
12,3
6,01
8
1,3
4,5
5,19
,344
1,3
4,5
5,19
,344
37,
42,
53,1
29
37,
42,
53,1
29
* Str
aigh
t Lin
e M
etho
d
gf]6
Ms_ bf];|f] d;
fGtd
f sdn
fbL l:yt
*)
cfg
f -@,%$#
P;\=d
L=_ h
Uuf skf]{/]6
ejg
lgdf
{0f u
g]{ p2
]Zon] ?
= %(
s/f]8d
f vl/b
ul/P
sf] 5 .
v_ uf
lePs
f ;+:y
faf6
?= !
(=! s/f]8
a/fa
/sf] hUu
f n]vfÍ
g ul
/Psf] 5 .
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
cg';"rL $=!%
u}/ a}+lsË ;DklQ-@)&# cfiff9 d;fGt_
C0fL jf kf6L{sf] gfd 7]ufgfC0fL jf kf6L{sf] gfd 7]ufgfu}/ a}+lsË ;DklQ u}/ a}+lsË ;DklQ ;sf/ u/]sf] ldlt;sf/ u/]sf] ldlt
s"n s"n
u}/a}+lsË u}/a}+lsË ;DklQ ;DklQ
/sd ?=/sd ?=
gf]S;fgL gf]S;fgL Joj:yfJoj:yf
v"b v"b
u}/ a}+lsË u}/ a}+lsË ;DklQ ?=;DklQ ?=
utut jif{ ?= jif{ ?=
k|ltzt /sd ?=
;+ud OG;l6Ro't k|f=lnld6]8 !! Hfgj/L,@)!# 3,63,11,000 100% 3,63,11,000
e]G6]s d]l8sn g]kfn OG6/g]zgn !! Hfgj/L,@)!# 2,15,00,000 100% 2,15,00,000
lsk' Sjflnl6 ld6 k|f]8s;\ k|f=
lnld6]8!^ h'nfO{, @)!% 53,54,000 100% 53,54,000
;Ltf v/]n !% h'nfO{, @)!@ 51,11,000 100% 51,11,000
/Tg s'df/ uf}td !# h'nfO{, @)!@ 16,92,627 100% 16,92,627
s"n hDdfs"n hDdf 6,99,68,627 6,99,68,627 6,99,68,627 6,99,68,627
6767
cg';"rL $=!^
cGo ;DklQ-@)&# cfiff9 d;fGt_
ljj/0fljj/0f o; jif{ ?= o; jif{ ?= ut jif{ ?= ut jif{ ?=
! d;nGb df}Hbft 72,44,836 51,00,220 @ nufgLdf c;"n ug{ af“sL cfDbfgL 4,09,29,094 2,05,65,252 # shf{df c;"n ug{ af“sL Jofh 22,64,37,454
Go"gM Jofh d'NtjL /sd (22,64,37,454) - $ c;"n ug{ af“sL sldzg 1,53,94,621 - % ;G8«L 8]6;{ 8,58,90,903 3,21,50,965 ^ sd{rf/L ;fk6L / k]ZsL 26,69,94,771 14,14,66,156 & clu|d e'QmfgL 4,79,19,231 1,55,90,221 * dfu{:y gub - - ( dfu{:y cGo -r]s ;d]t_ - - !) ljgf ;"rgf 8«f˚\6sf] e'QmfgL - - !! ckn]vg x'g af“sL vr{ - - !@ zfvf ldnfg lx;fj - - !# :yug cfos/ 6,53,18,853 2,38,36,862 !$ cGo 47,42,44,569 42,35,86,995
s_ cu|Ld cfos/ e'QmfgL (Net of Provisions) 15,27,95,506 14,09,68,348 v_ w/f}ltx? 3,08,56,379 75,35,533 u_ Gold Mark Up (Gold Consignment) 2,11,85,217 2,41,60,166 3_ OG3gsf] df}Hbft 2,89,650 - ª_ ;'g Jofkf/sf nflu cu|Ld e'QmfgL 26,87,06,657 19,24,37,219 r_ cGo 59,55,496 4,11,160 5,84,85,729
36fpg] M cGo Joj:yf cGo ;Dklt cGtu{t (55,44,336)hDdfhDdf 1,00,39,36,878 1,00,39,36,878 66,22,96,671 66,22,96,671
cg';"rL $=!^ -s_
cGo ;DklQ -yk ljj/0f_-@)&# cfiff9 d;fGt_
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?= ut jif{ ?=
! jif{ ;Dd! jif{ ;Dd ! jif{ b]lv ! jif{ b]lv
dfly # jif{ ;Dd dfly # jif{ ;Dd # jif{eGbf # jif{eGbf
dfly dfly hDdf hDdf
!= shf{df c;"n ug{ af“sL Jofh 21,39,04,948 61,51,167 63,81,339 22,64,37,454 7,86,88,523 @= ljgf ;"rgf 8«fkm\6sf] e'QmfgL
#= zfvf ldnfg lx;fj
$= :jb]zL tyf ljb]zL Ph]G;L lx;fj
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
cg';"rL $=!&
;+Deffljt bfloTjx?-@)&# cfiff9 d;fGt_
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
!= ;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] - -
@= k|lttkqx? -k'/f /sd_ 13,42,88,71,251 6,86,44,14,474
-s_ ^ dlxgfeGbf sd cjlwsf] 3,95,63,59,921 1,73,54,00,068
-v_ ^ dlxgfeGbf a9L cjlwsf] 9,47,25,11,330 5,12,90,14,405
#= k"gM l8:sfpG6 ul/Psf ljnx? - -
$= Dofb gfl3 g;s]sf] Uof/]G6L÷a08 2,50,00,86,063 66,36,04,402
-s_ la8 a08 66,25,68,016 6,71,86,786
-v_ k/km/d]G; a08 1,83,75,18,047 59,64,17,616
-u_ cGo Uof/]G6L÷a08 - -
%= r'Qmf jf e'Qmfg x'g af“sL z]o/ nufgL - -
^= km/jf8{ PS:r]+h sG6«fS6sf] af“sL bfloTjx? - -
&= sn]S;gdf /x]sf ljnx? 7,79,74,865 4,12,76,901
*= d~h'/L tyf ;dy{g (Acceptance & Endorsement) 64,08,05,726 75,26,93,870
(= k|Tofe"lt k|ltj4tf (Underwriting Commitment) - -
!)= ckl/jTo{ shf{ k|ltj4tf (Irrevocable Loan Commitment) 5,53,98,42,808 2,46,78,32,493
!!= cGt/f{li6«o >]0fLs[t a}+ssf] sfp06/ Uof/]06Ldf lbPsf] Uof/]06L 4,71,65,79,161 2,45,71,87,473
!@= clu|d e'QmfgL Uof/]06L (Advance Payment Guarantee) 1,05,27,76,403 25,31,26,332
!#= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee) 1,09,50,000 8,50,000
!$= cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities on Income Tax) 9,98,48,085 6,96,79,994
!%= ========================= - -
!^= ========================= - -
!&= ======================== - -
6969
cg';"rL $=!*
Jofh cfDbfgLldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
s= shf{ ;fk6 / clwljsif{df 3,89,90,98,905 2,17,47,89,450
!= shf{ ;fk6 2,73,26,51,802 1,61,53,58,169
@= clwljsif{ 1,16,64,47,103 55,94,31,281
v= nufgLdf 12,44,95,540 7,67,67,785
!= >L g]kfn ;/sf/sf] ;'/If0fkq 11,09,31,361 5,93,49,947
-s_ 6]«h/L laN; 1,89,70,162 52,14,171
-v_ ljsf; C0fkq 9,16,32,730 5,40,67,900
-u_ /fli6«o artkq 3,28,469 67,876
@= ljb]zL C0fkq - -
-s_======================= - -
-v_====================== - -
#= g]kfn /fi6« a}+ssf] C0fkq - -
$= l8j]Gr/ tyf a08 - -
%= cGt/ a}+s nufgLdf Jofh 1,35,64,179 1,74,17,838
-s_ a}+s÷ljQLo ;+:yfx? 1,35,64,179 1,74,17,838
-v_ cGo ;+:yfx? - -
u= Ph]G;L df}Hbftdf - -
!= :jb]zL a}+s÷ljQLo ;+:yfx? - -
@= ljb]zL a}+sx? - -
3= dfFu tyf cNk;"rgfdf k|fKt x'g] df}Hbftdf 58,34,297 29,00,800
!= :jb]zL a}+s÷ljQLo ;+:yfx? 21,39,049 2,08,357
@= ljb]zL a}+sx? 36,95,248 26,92,443
ª= cGodf 2,39,11,919 6,09,83,163
!= ;l6{lkms]6 ckm l8kf]lh6 - -
@= cGt/ a}+s÷ljQLo ;+:yf shf{ - -
#= cGo 2,39,11,919 6,09,83,163
hDdfhDdf 4,05,33,40,661 4,05,33,40,661 2,31,54,41,198 2,31,54,41,198
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
cg';"rL $=!(
Jofh vr{ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
s= lgIf]k bfloTjdf 1,98,73,23,736 1,33,05,18,721
!= d'2tL lgIf]k 1,23,54,63,098 59,15,12,353
!=! :jb]zL d'b|f 1,22,88,68,252 57,67,09,891
!=@ ljb]zL d'b|f 65,94,846 1,48,02,462
@= art lgIf]k 38,98,46,844 24,50,30,672
@=! :jb]zL d'b|f 38,78,84,918 24,41,67,004
@=@ ljb]zL d'b|f 19,61,926 8,63,668
#= dfu]sf] avt ltg'{kg]{ lgIf]k 36,20,13,794 49,39,75,696
#=! :jb]zL d'b|f 34,33,02,032 47,54,09,405
#=@ ljb]zL d'b|f 1,87,11,762 1,85,66,291
$= ;l6{lkms]6 ckm l8kf]lh6;\ - -
v= shf{ ;fk6df 5,27,35,403 1,75,54,911
!= C0fkq tyf a08 3,50,00,000 1,42,87,671
@= g]kfn /fi6« a}+saf6 k|fKt shf{ 15,09,370 18,24,000
#= cGt/ a}}+s÷ljQLo ;+:yf shf{ 1,62,26,033 14,43,240
$= cGo ;+ul7t ;+:yf - -
%= cGo shf{ - -
u= cGodf - -
!= ================ - -
@= ================ - -
hDdfhDdf 2,04,00,59,139 2,04,00,59,139 1,34,80,73,632 1,34,80,73,632
7171
cg';"rL $=@)
sldzg tyf l8:sfpG6ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
s= laN; v/Lb tyf l8:sfpG6 61,51,872 16,98,469
!= :jb]zL - -
@= ljb]zL 61,51,872 16,98,469
v= sldzg 13,10,72,635 8,30,58,875
!= k|lttkq 3,53,86,766 3,56,08,044
@= hdfgtkq 6,44,92,563 2,98,40,121
#= sn]S;g kmL 29,32,418 8,57,588
$= /]ld6]G; kmL 1,59,61,476 62,02,987
%= qm]l86 sf8{ - -
^= z]o/ k|Tofe"lt÷lgisfzg - -
&= ;/sf/L sf/f]af/ jfkt - -
*= O=k|f= sldzg jfkt 1,22,58,575 1,05,49,747
(= a§f cfDbfgL 40,837 388
u= cGo 6,03,90,994 2,78,58,367
!= ;'g tyf rf“bLsf] sf/f]]af/af6 ePsf] cfDbfgL 71,42,743 7,06,843
@= cGo 5,32,48,251 2,71,51,524
hDdfhDdf 19,76,15,501 19,76,15,501 11,26,15,711 11,26,15,711
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
cg';"rL $=@!
cGo ;+rfng cfDbfgLldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
!= ;]km l8kf]lh6 eN6sf] ef8f 17,95,350 8,88,413
@= qm]l86sf8{ lgisfzg tyf gljs/0f - -
#= ATM sf8{ lgisfzg tyf gljs/0f 1,22,00,899 59,50,649
$= 6]n]S;÷l6=l6 69,86,065 47,29,688
%= ;]jf z"Ns 19,02,40,583 9,50,93,239
^= gjLs/0f z"Ns - -
&= cGo 68,82,949 56,08,231
hDdfhDdf 21,81,05,846 21,81,05,846 11,22,70,220 11,22,70,220
cg';"rL $=@@
;6xL 36a9 cfDbfgL÷gf]S;fgtldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
-s_ ljlgdo b/df ePsf] km/saf6 4,16,69,855 2,98,78,386
-v_ ljb]zL d'b|f sf/f]af/af6 -a§f afx]s_ 11,85,98,818 8,96,35,158
hDdf cfDbfgL÷-gf]S;fg_hDdf cfDbfgL÷-gf]S;fg_ 16,02,68,673 16,02,68,673 11,95,13,544 11,95,13,544
7373
cg';"rL $=@#
sd{rf/L vr{ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
!= tna 16,17,64,760 8,98,76,534
@= eQf 16,45,50,673 7,04,08,437
#= ;~rosf]ifdf yk 1,48,06,376 85,96,256
$= tflnd vr{ 89,28,103 39,13,673
%= kf]zfs - -
^= cf}ifwf]krf/ - -
&= aLdf - -
*= k]G;g tyf pkbfg Joj:yf 4,26,69,434 93,79,969
(= cGo 7,85,92,101 1,96,40,321
-s_ labf jfktsf] vr{ 1,23,14,943 73,04,198
-v_ sd{rf/L sNof0f vr{ 1,22,14,914 76,94,345
-u_ ;+lrt la/fdL ljbf 3,28,23,932 46,41,778
-3_ k|kmd]G;\ OG;]lG6e 2,11,50,778 -
-ª_ sd{rf/L egf{ vr{ 87,534 -
hDdfhDdf 47,13,11,447 47,13,11,447 20,18,15,190 20,18,15,190
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
cg';"rL $=@$
cGo ;+rfng vr{ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=!= 3/ef8f 6,55,65,800 4,01,01,444 @= aQL, ljh'nL / kfgL 1,71,00,640 1,27,16,623 #= dd{t tyf ;Def/ 41,99,599 50,71,092
-s_ ejg 7,45,867 2,72,417 -v_ ;jf/L ;fwg 23,37,488 17,17,730 -u_ cGo 11,16,244 30,80,945
$= aLdf 1,03,49,319 59,35,664 %= kf]i6]h, 6]n]S;, 6]lnkmf]g, km\ofS; 3,10,96,319 1,90,67,797 ^= sfof{no pks/0f kmlg{r/ / ;Def/ 54,76,595 10,90,680 &= e|d0f, eQf / vr{ 86,02,825 21,30,808 *= d;nGb / 5kfO{ 3,17,93,330 1,69,25,073 (= kqklqsf tyf k':ts 3,48,488 2,23,397 !)= lj1fkg 3,00,59,783 1,27,67,990 !!= sfg"gL vr{ 47,14,713 31,82,221
-s_ sfg"gL z"Ns 2,60,728 2,40,000 -v_ Joj;foLs z"Ns 44,53,985 29,42,221
!@= rGbf 30,000 5,81,453 !#= ;+rfns ;ldlt ;DaGwL vr{ 41,02,025 27,64,084
-s_ a}7s eQf 19,94,000 12,15,000 -v_ cGo vr{ 21,08,025 15,49,084
!$= ;fwf/0f ;ef ;DaGwL vr{ 18,93,090 5,75,243 !%= n]vfk/LIf0f ;DaGwL 14,46,091 6,09,490
-s_ n]vfk/LIf0f z"Ns 10,17,000 2,14,700 -v_ cGo vr{ 4,29,091 3,94,790
!^= /sd :yfgfGt/0f sldzg - - !&= l:y/ ;DklQdf x|f; s§L 9,99,85,150 6,81,61,596 !*= k"j{ ;+rfng vr{ ckn]vg - - !(= z]o/ lgisfzg vr{ - - @)= k|fljlws ;]jf ;f]wegf{ - - @!= dgf]/~hg vr{ 46,72,911 22,59,069 @@= ckn]vg vr{ - - @#= ;'/Iff vr{ 3,87,88,758 2,27,70,658 @$= shf{ ;'/If0f lk|ldod - - @%= sldzg / l8:sfpG6 - - @^= cGo 11,33,23,704 7,11,77,356
s_ sfof{no ;+rfng vr{ 1,62,41,973 99,76,987 v_ O{Gwg vr{ 1,13,32,813 84,92,212 u_ ;b:otf z"Ns 98,42,279 91,80,395 3_ aflx/L sd{rf/L vr{ 1,69,79,468 1,10,67,551 ª_ sf8{ sf/f]af/ rfh{ 1,73,52,921 89,66,462 r_ a}+s z'Ns tyf sld;g 50,62,564 21,26,853 5_ s/ tyf b/x? 48,01,275 33,06,418 h_ lgIf]k hdfgL vr{ 1,05,13,180 46,64,724 em_ dh{/ vr{ 40,65,972 - `_ cGo 1,71,31,259 1,33,95,754
hDdfhDdf 47,35,49,140 47,35,49,140 28,81,11,738 28,81,11,738
7575
cg';"rL $=@%
;Defljt gf]S;fgL Joj:yfldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
!= shf{ gf]S;fgL Joj:yfdf ePsf] a[l4 57,63,23,341 9,70,73,735
@= nufgL gf]S;fgL Joj:yfdf ePsf] a[l4 - -
#= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yf - -
$= cGo ;DklQdf ul/Psf] Joj:yf - -
hDdfhDdf 57,63,23,341 57,63,23,341 9,70,73,735 9,70,73,735
cg';"rL $=@^
u}/ ;+rfng cfDbfgL÷gf]S;fgldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
!= nufgL ljqmLaf6 cfDbfgL÷-gf]S;fg_ 4,42,18,453 -
@= ;DklQ ljqmLaf6 cfDbfgL÷-gf]S;fg_ (28,20,074) 73,67,331
#= nfef+z 2,05,60,517 80,53,398
$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot - -
s= tf]lsPsf] zfvfx?sf] gf]S;fg jfkt Ifltk"lt{ - -
v= Jofh Ifltk"lt{ - -
u= ;6xL sfpG6/ - -
%= cGo (61,15,224) 19,31,650 s= jfxfn cfDbfgL 15,60,983 18,82,650
v= OG;f]/]G; bfjLdf cfGbfgL 1,37,794 49,000 u= u}/ a}+lsË ;DklQ lalqmdf gf]S;fg (78,14,000) - v"b u}/ ;+rfng cfDbfgL÷-gf]S;fg_v"b u}/ ;+rfng cfDbfgL÷-gf]S;fg_ 5,58,43,672 5,58,43,672 1,73,52,379 1,73,52,379
cg';"rL $=@&
;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=
!= shf{ gf]S;fgL Joj:yfaf6 lkmtf{ 60,34,20,906 4,19,73,510
@= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yfaf6 lkmtf{ 4,48,14,000 -
#= nufgL Joj:yfaf6 lkmtf{ 18,44,318 -
$= cGo ;DklQsf] Joj:yfaf6 lkmtf{ - -
hDdfhDdf 65,00,79,224 65,00,79,224 4,19,73,510 4,19,73,510
gf]6 M nufgL Joj:yfaf6 lkmtf{ eGgfn] uflePsf ;+:yfx?af6 n]vfÎg ul/Psf nufgLx? h;df ;f] Joj:yf sfod ul/Psf lyP .
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
cg';"rL $=@*
c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷vr{ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
ljj/0fljj/0f o; jif{ ?=o; jif{ ?= ut jif{ ?=ut jif{ ?=!= ckn]vg ePsf] shf{sf] c;'nL 35,33,532 - @= :j]lR5s cjsfz vr{ - - #= c;'nL x'g g;Sg] shf{sf] ckn]vg -$=@* s_ (1,45,20,031) - $= cGo vr{÷cfDbfgL 44,471 - %= cGo ;DklQ ckn]vg - -
hDdfhDdf (1,09,42,028) (1,09,42,028) - -
cg';"rL $=@* -s_
ckn]lvt shf{sf] ljj/0fldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Ddsf]
qm=;+=qm=;+= shf{ k|sf/shf{ k|sf/ckn]vg ckn]vg ul/Psf] /sdul/Psf] /sd
lwtf]sf] k|sf/ lwtf]sf] k|sf/ tyf /sdtyf /sd
lwtf]lwtf]d"Nofs+gsf] d"Nofs+gsf] cfwf/cfwf/
shf{ :jLs[t ug]{ shf{ :jLs[t ug]{ clwsf/L÷txclwsf/L÷tx
shf{ c;'nLsf shf{ c;'nLsf nflu eP÷u/]sfnflu eP÷u/]sfk|of;k|of;
s}lkmots}lkmot
!= rfn' k"FhL shf{ 1,07,24,489 xfOkf]lys];g df}Hbft d"Nofs+g
k|d'v sfo{sf/L cl3s[t kq k7fPsf], #% lbg] ;'rgf k|sflzt ul/Psf], d'2f bfo/ ul/Psf], C0fL, lgb]{zs tyf Joltut wghdfgLnfO{ sfnf];'rLdf btf{ u/fOPsf] .
@= jfxg shf{ 13,23,469 jfxg lan k|d'v sfo{sf/L cl3s[t
#= jfxg shf{ 10,26,455 jfxg lan Head-Business and Retail Banking
$= jfxg shf{ 14,45,618 jfxg lan Head-Business and Retail Banking
s"n shf{s"n shf{ 1,45,20,031 1,45,20,031
7777
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
7979
cg';"rL $=@(
;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L / z]o/xf]N8/x?nfO{ uPsf] shf{ ;fk6 ljj/0f-@)&# cfiff9 d;fGt_
v/Lb tyf l8:sfpG6 ul/Psf lanx? / shf{, ;fk6 tyf clwljsif{df k|jflxt s"n /sddWo] ;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/xf]N8/x? / lghx?sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d]g]lhË Ph]G6 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .
;+:yfks÷;+rfns÷;+:yfks÷;+rfns÷
sfo{sf/L k|d'vsf] gfdsfo{sf/L k|d'vsf] gfd
ut jif{;Ddsf] af“sLut jif{;Ddsf] af“sL o; jif{ c;"nLo; jif{ c;"nL o; jif{ yk shf{o; jif{ yk shf{cfiff9 d;fGtcfiff9 d;fGt;Dd af“sL;Dd af“sL
;f“jf ;f“jf JofhJofh ;f“jf ;f“jf JofhJofh ;f“jf ;f“jf JofhJofh
-s_ ;+rfns
!=
@=
-v_ sfo{sf/L k|d'v
!=
@=
-u_ ;+:yfks
!=
@=
-3_ sd{rf/L
!=
@=
-ª_ z]o/wgLx?
!=
@=
hDdfhDdf - - - - - - - - - - - - - -
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
cg';"rL $=#) -s !_
k"“hLsf]if tflnsf@)&# ;fn cfiff9 #! ut] -h'nfO{ !%, @)!^_
?k}+of -?= xhf/df_
!=!_ hf]lvd efl/t ;DklQ!=!_ hf]lvd efl/t ;DklQ o; jif{o; jif{ ut jif{ut jif{s= shf{ hf]lvd 6,54,68,564 3,30,07,256 v= ;~rfng hf]lvd 29,04,790 13,16,540 u= ahf/ hf]lvd 7,37,320 5,43,280 hf]lvd efl/t ;DklQ 6,91,10,674 3,48,67,076 Pillar II cGt/utsf] ;dfof]hghf]8: ^=$ -s_ -!)_ cg';f/ kof{Kt ;"rgf k|jfx gu/]afkt hf]lvd efl/t ;DklQsf] # k|ltzthf]8: hDdf cfDbfgLsf] @∞ n] x'g] kfl/:kl/Stfsf] cfwf/df hf]lvd efl/t ;DklQdf a[l4 4,60,895 2,13,874 hf]8M g]kfn /fi6« a}+ssf] lgb]{zg cg'?k hf]lvd efl/t ;DklQsf] @ k|ltzt 13,82,213 6,97,342 s"n hf]lvd efl/t ;DklQ -pillar II cGt/utsf] ;dfof]hg kl5_ 7,09,53,782 3,57,78,292 !=@_ k"“hL!=@_ k"“hL o; jif{o; jif{ ut jif{ut jif{k|fylds k"“hL -tx !_ 66,29,696 31,63,615 s= r'Qmf k"“hL 44,86,924 24,00,000 v= Ol/l8d]jn gg\ So'Do'n]l6e lk|km/]G; z]o/ - - u= z]o/ lk|ldod 10,150 10,078 3= k|:tfljt af]g; z]o/ 10,31,712 3,32,365 ª= ;fwf/0f hu]8f sf]if 10,07,623 4,50,766 r= ;l~rt gfkmf÷-gf]S;fg_ ut cf=j= ;Ddsf] 22,195 9,523 5= rfn" cf=j= sf] gfkmf÷-gf]S;fg_ - - h= k"“hL lkmtf{ ;dfof]hg sf]if - - em= k"“hL ;dfof]hg sf]if 53,295 - `= nfef+z ;lds/0f sf]if - - 6= :yug s/ sf]if (65,319) 23,837 7= cGo :jtGq sf]ifx? 65,319 - 8= C0fkq e"QmfgL sf]if 1,27,797 37,046 36fpg] - - s= Voflt (Goodwill) jfktsf] /sdv= ckn]vg gul/Psf ljljw ;DklQ - - u= Ohfht k|fKt ;+:yfdf ul/Psf] z]o/ nufgL - - 3= ljQLo :jfy{ /x]sf] sDkgLdf /x]sf] nufgL (1,10,000) (1,00,000)ª= ;LdfeGbf a9L nufgL - - r= k|Tofe"lt (Underwriting) cGtu{t ul/Psf] nufgL - - 5= kfl/:kl/s qm; xf]lN8Ë - - h= ;LdfeGbf a9L 3/ hUuf vl/b - - em= cGo - - Pillar II cGt/utsf] ;dfof]hg - - 36fpg]: ^=$ -s_ -!_ cg';f/ ckof{Kt Joj:yf - - 36fpg]: ^=$ -s_ -@_ cGt/ut ;Dalwt kIfnfO{ tyf lgif]lwt If]qdf k|jflxt shf{ . ;'ljwf - - k'/s k"“hL -tx @_ 11,60,818 8,19,258 s= So'Do'n]l6e / l/l8d]jn lk|km/]G; z]o/ - - v= ;'/If0f g/flvPsf] ;xfos cfjlws C0f 4,00,000 5,00,000 u= xfOla|8 k"“hL pks/0fx? - - 3= c;n shf{ gf]S;fgL Joj:yf 7,04,674 2,86,426 ª= ;6xL ;dLs/0f sf]if 41,211 28,379 r= nufgL ;dfof]hg sf]if 14,933 4,453 5= ;DklQ k"gd"{Nof°g sf]if - - h= cGo sf]if - - s"n k"“hLsf]if -tx ! + tx @_ 77,90,514 39,82,873 !=#_ k"“hLsf]if cg'kft!=#_ k"“hLsf]if cg'kft o; jif{o; jif{ ut jif{ut jif{k|fylds k"“hL (Tier I)÷s"n hf]lvd efl/t ;DklQ 9.34 8.84k"“hLsf]if (Tier I tyf Tier II)÷s"n hf]lvd efl/t ;DklQ 10.98 11.13
8181
cg';
"rL $=#)-v
_
shf{ hf]lv
d@)&# ;
fn c
fiff9 #! ut
] -h'nfO{ !%, @)!^_
/sd
?=df
ljj/0f
ljj/0f
@)&@ c
fiff9 d
;fGt
@)&@ c
fiff9 d
;fGt
ut c
f=a=
ut c
f=a=
lstfaL d
"NolstfaL d
"Noljz]if
ljz]if
Joj:yf
Joj:yf
u0fgf ug
{ u0fgf ug
{ ;lsg]
;lsg]
CRM
v'b
v'b
/sd
/sd
hf]lv
d hf]lv
d efl/t
k|ltz
tefl/t
k|ltz
t
hf]lv
d hf]lv
d
efl/t
/sd
efl/t
/sd
v"b
/sd
v"b
/sd
hf]lv
d hf]lv
d
efl/t
/sd
efl/t
/sd
-s_
-s_
-v_
-v_
-u_
-u_
-3Ös–v
–u_
-3Ös–v
–u_
-ª_
-ª_
-rÖ3
-rÖ3
Xª_
ª_
jf;nftleqsf] sf/f]af/
gub
df}Hb
ft 1
4,9
1,15
2 -
-
1
4,9
1,15
2 0%
-
23,
66,3
6,57
4
-
g]kfn /fi6
« a}+sdf /x]s
f] df}Hb
ft 6
3,90
,585
-
-
63,
90,5
85
0% -
5
2,25
,57,
690
-
;'g
-
-
-
-
0% -
g]k
fn ;
/sf/sf] C0fkq
df u
l/Ps
f] nufgL
8,8
0,432
-
-
8
,80,
432
0%
-
1,5
9,82,
19,4
49
-
g]kfn ;
/sf/ p
k/sf] ;Dk"0f{ b
fjL
5,8
0,492
-
-
5
,80,
492
0%
-
12,
95,6
4,5
61
-
g]kfn /fi«6
a}+ssf] C0fkq
df u
l/Ps
f] nufgL
-
-
-
-
0% -
-
-
g]k
fn /fi6
« a}+s p
k/sf] ;Dk"0f{ b
fjL
-
-
-
-
0% -
-
-
ljb]z
L ;/s
f/ t
yf s
]Gb|Lo a
}+s p
k/sf] bfjL (
ECA
ratin
g 0-
1) -
-
-
-
0%
-
-
-
ljb]z
L ;/s
f/ t
yf s
]Gb|Lo a
}+s p
k/sf] bfjL (
ECA
ratin
g -2
) -
-
-
-
20
% -
-
-
ljb]z
L ;/s
f/ t
yf s
]Gb|Lo a
}+s p
k/sf] bfjL (
ECA
ratin
g -3
) -
-
-
-
50
% -
-
-
ljb]z
L ;/s
f/ t
yf s]Gb|Lo a}+s p
k/sf] bfjL (
ECA
ratin
g 4-
6) -
-
-
-
10
0% -
-
-
ljb]z
L ;/s
f/ t
yf s
]Gb|Lo a
}+s p
k/sf] bfjL (
ECA
ratin
g -7
) -
-
-
-
15
0% -
-
-
BI
S, I
MF, E
CB,
EC / a
x'kILo
ljsf; a
}+sx?
pk/sf] bfjL
-
-
-
-
0% -
-
-
cGo a
x'kIfLo ljs
f; a
}+sx?
pk/sf] bfjL
-
-
-
-
100%
-
-
-
;fj{hlgs ;
+:yf pk/sf] bfjL (
ECA
ratin
g 0-
1) -
-
-
-
20
% -
-
-
;fj{hlgs ;
+:yf pk/sf] bfjL (
ECA
ratin
g -2
) -
-
-
-
50
% -
-
-
;fj{hlgs ;
+:yf pk/sf] bfjL (
ECA
ratin
g 3-
6) -
-
-
-
10
0% -
-
-
;fj{hlgs ;
+:yf pk/sf] bfjL (
ECA
ratin
g -7
) -
-
-
-
15
0% -
2
,00,
00,0
00
3,0
0,00
,000
tf]lsPs
f] k"“h
Lsf]if s
fod
ug]{ :jb
]zL a}+s
pk/sf] bfjL
25,
40,
898
-
-
2
5,40,
898
20
% 5
,08,1
80
1,8
5,10
,04,2
79
37,
02,0
0,856
tf]lsPs
f] k"“h
Lsf]if s
fod
gug]{
:jb]z
L a}+s
pk/sf] bfjL
85,
988
-
-
85,
988
100%
85,
988
ljb]z
L a}+s
pk/sf] bfjL (
ECA
ratin
g 0-
1) 3
4,8
3,94
0 -
-
3
4,8
3,94
0 20
% 6
,96,
788
24,9
3,24
,118
4
,98,6
4,8
24
ljb]z
L a}+s
pk/sf] bfjL
(ECA
ratin
g -2
) 1
,07,
350
-
-
1,0
7,35
0 50
% 5
3,67
5 2
1,36
,37,
987
10,
68,1
8,9
94
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
ljb]z
L a}+s
pk/sf] bfjL (
ECA
ratin
g 3-
6) 4
,80,
277
-
-
4,8
0,27
7 10
0% 4
,80,
277
-
-
ljb]z
L a}+s
pk/sf] bfjL (
ECA
ratin
g -7
) -
-
-
-
15
0% -
-
-
tf]lsPs
f] k"“h
Lsf]ifdf ! k
|ltzte
Gbf a9
Ln] k
"“hLsf]if s
fod
ug]{
SAA
RC
If]qleq :yfkgf e
Psf ljb]z
L a}+s
pk/sf] bfjL
-
-
-
20%
-
-
-
:jb]z
L ;+3 ;
+:yfx? p
k/sf] bfjL
3,2
3,38
,312
-
3
,23,
38,3
12
100%
3,2
3,38
,312
4
,15,
49,
41,
547
4,1
5,49,
41,
547
ljb]z
L ;+3 ;
+:yfx? p
k/sf] bfjL (
ECA
ratin
g 0-
1) -
-
-
-
20
% -
-
-
ljb]z
L ;+3 ;
+:yfx? p
k/sf] bfjL (
ECA
ratin
g -2
) 2
,68,7
07
-
-
2,6
8,7
07
50%
1,3
4,3
53
-
-
ljb]z
L ;+3 ;
+:yfx? p
k/sf] bfjL (
ECA
ratin
g 3-
6) -
-
-
-
10
0% -
-
-
ljb]z
L ;+3 ;
+:yfx? p
k/sf] bfjL
(ECA
ratin
g -7
) -
0
0 -
15
0% -
-
-
pkef]Uo t
yf ;fgf shf{
(Reg
ulat
ory
Reta
il Po
rtfo
lio)
-efvf gg
f3]sf]_
52,
50,8
34
-
-
52,
50,8
34
75%
39,
38,1
26
27,
36,6
2,00
8
20,
52,4
6,50
6
u|fg'n
fl/6L ;
Ldf afx]s
cGo z
t{ kfngf
u/]sf] pke
f]Uo t
yf ;fgf shf{
1,6
6,843
-
-
1,6
6,843
100%
1,6
6,843
18,8
8,0
2,37
2 1
8,8
8,0
2,37
2
cfjfl;
o 3/h
Uufaf6 ;
'/lIft
bfjL
60,
15,8
10
-
-
60,
15,8
10
60%
36,
09,4
86
57,
09,1
7,75
6 3
4,2
5,50
,654
cfjfl;
o 3/h
Uufaf6 k
"0f{ ;
'/lIft
gePs
f] bfjL
20,
31,5
12
-
-
20,
31,5
12
150%
30,
47,
268
-
-
cfjfl;
o 3/h
Uufaf6 ;
'/lIft
bfjL -efvf gf3]sf]_
69,
084
29,
519
-
39,
566
100%
39,
566
12,
43,
431
1
2,43,
431
Jofkfl/s 3
/hUufaf6 ;
'/lIft
bfjL
24,8
2,472
-
-
2
4,8
2,472
10
0% 2
4,8
2,472
1
,47,
30,5
4,3
40
1,4
7,30
,54,3
40
e'Qmfg
L cjlw
;dfKt e
O{;s]sf] bfjL
-cfjfl;
o 3/h
Uuf ;'/lIft
afx]s
_ 1
4,6
6,19
0 7
,03,
834
-
7
,62,
356
150%
11,
43,
534
84,2
9,64
4
1,2
6,44,4
67
pRr h
f]lvdo
'Qm bfjL
45,
55,3
53
-
1,8
3,31
1 4
3,72
,042
150%
65,
58,0
63
1,1
1,05
,52,
910
1,6
6,58
,29,
366
:6s P
S;r]Gh
df ;
"rLs[t
sDkgLsf] z]o/
/ c
Go k
"“hLut
pks
/0fdf eP
sf] nufgL
1,3
2,62
9 -
-
1
,32,
629
100%
1,3
2,62
9 8
,57,
69,2
26
8,5
7,69
,226
:6s P
S;r]Gh
df ;
"rLs[t
gePs
f] sDkgLsf]
z]o/
/ c
Go k
"“hLut
pks
/0fdf eP
sf] nufgL
18,3
92
243
-
18,1
49
150%
27,
223
99,
500
1,4
9,25
0
cfjfl;
o 3/h
Uufaf6 ;
'/lIft
sd{r
f/L shf{
1,7
9,878
-
-
1
,79,
878
60
% 1
,07,
927
c;"n u
g{ af“sL Jofh . g
]kfn ;
/sf/sf] C0fkq
df b
fjL
35,
232
-
-
35,
232
0% -
dfu{:y
gub
tyf e'Q
mfgL k|Kt
x'g] s
|ddf /x]sf] cGo g
ub ;
DklQ
- -
-
-
20
% -
cGo ;
DklQ
17,
77,0
43
-
-
17,
77,0
43
100%
17,
77,0
43
36,
89,
76,0
58
36,
89,
76,0
58
hDdf
hDdf
7,2
8,2
9,406
7
,28,2
9,406
7,
33,5
96
7,3
3,59
6 1
,83,
311
1,8
3,31
1 7
,19,
12,4
98
7,1
9,12
,498
5,7
3,27
,752
5
,73,
27,7
52
13,
05,7
3,93
,450
1
3,05
,73,
93,4
50
9,0
5,60
,91,
888
9,0
5,60
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888
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2069/70 2069/70 2070/71 2070/71 2071/72 2071/72 2072/73 2072/73
v'b Jofh cfDbfgL 13,17,668 14,98,197 18,00,536 20,13,282
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yk Jofh d'NtaL lx;fj 56,071 (87,553) 44,477 3,412
s"n cfDbfgL -s_ 16,93,834 18,11,280 23,04,474 25,92,685
tf]lsPsf] k|ltzt -v_ 15% 15% 15% 15%
s"n cfDbfgLsf] tf]lsPsf] k|ltztn] x'g] /sd -u_ = sXv 2,54,075 2,71,692 3,45,671 3,88,903
;~rfng hf]lvdsf] nflu cfjZos k"“hL -3_ = u sf] cf};t 2,90,479
hf]lvd ef/ u'0ff° (Reciprocal of Capital Requirement) -ª_ 10
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Pillar II cGt/utsf] ;dfof]hg
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8787
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v'b cj:yf -s_ 14,74,633 10,86,565
tf]lsPsf] k|ltzt -v_ 5% 5%
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k|ltzt 3.56 4.21 4.11 4.19 4.31
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"“hL shf{
1,5
7,80,
279
1,5
7,80,
279
-
0.00
%r_ cGo
1,7
2,45,
302
1,7
2,45,
302
-
0.00
% @=%
l:y/ ;DklQ
13,
45,
519
13,
45,
519
-
0.00
%
@=^
u}/ a
}+lsË ;
DklQ
-
-
-
0.00
%gfkmf gf]S;
fgdf p
Nn]v u
/LPs
f
vr{df e
Psf] ;dfof]hgs
f sf/0f
@=&
cGo ;
DklQx?
9,8
9,17
7 1
0,03
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(1
4,7
60)
-1.4
9%s/ ldnfg
#=
gfkmf gf]S;
fg lx;
fj #=!
Jofh c
fDbfgL
40,
53,3
41
40,
53,3
41
-
0.00
% #=@
Jofh v
r{
20,
40,
059
20,
40,
059
-
0.00
%
sv'b
Jofh c
fDbfgL -#
.!–#
.@_
20,
13,2
82
20,
13,2
82
cfDb
fgLsf] lzif{s
df
ePsf] km]/abn
sf sf/0f
#=#
kmL, sldzg
tyf l8:s
fp06
1,9
1,466
1
,97,
616
(6,1
50)
-3.2
1%cfDb
fgLsf] lzif{s
df e
Psf]
km]/abn
sf sf/0f
#=$
cGo ;
+rfng
cfDb
fgL
2,2
4,2
56
2,1
8,1
06
6,1
50
2.74
% #=%
;6x
L 36a
9 cfDb
fgL
1,6
0,26
9 1
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269
-
0.00
% v
s"n ;
+rfng
cfDb
fgL -s
+#.#
+#.$
+#.%_
25,
89,
272
25,
89,
272
aflx/L s
d{rf/L vr{{df k
'g ju
L{s/0f
#=^
sd{r
f/L vr{
4,9
4,3
06
4,7
1,31
1 2
2,99
5 4.6
5%aflx/L s
d{rf/L vr{{df
k'g j
uL{s/0f
#=&
cGo ;
+rfng
vr{
4,5
6,57
0 4
,73,
549
(16,
979)
-3.7
2% u
;Defljt
gf]S;
fgL Joj:yf cl3sf] ;+rfng
d'gfkmf -v
-#.^
-#.&_
16,
38,3
95
16,
44,4
11
shf{ ty
f ;fk6d
f cltl/Qm Joj:yf
#=*
;Defljt
gf]S;
fgL Joj:yfx?
5,1
5,30
0 5
,76,
323
(61,
023)
-11.
84%
3;+rfng
d'gfkmf -u
-#.*_
11,
23,0
95
10,
68,0
88
#=(
u}/ ;
+rfng
cfDb
fgL÷-gf]S;fg_ -v
'b_ 5
5,844
55,
844
-
0.00
%shf{ ckn
]vg
ePsf]
#=!)
;Defljt
gf]S;
fgL Joj:yfaf6 lkmtf{
6,3
5,55
9 6
,50,
079
(14,5
20)
-2.2
8%
ªlgoldt
sf/f]jf/x?
af6
ePsf] d'g
fkmf÷-v
r{_ -3
+#.(
+#.!)_
18,1
4,4
98
17,
74,0
11
shf{ ckn
]vg
ePsf]
#=!!
c;fdfGo
sf/f]jf/x?
af6
ePsf] d'g
fkmf÷-v
r{_ -v
'b_ 3
,578
(1
0,94
2) 1
4,5
20
405
.81%
raf]g;
tyf s/ cl3sf] d'g
fkmf -ª
+#.!!_
18,1
8,0
76
17,
63,0
68
dfly p
Nn]lv
t ;dfof]hgs
f sf/0f
#=!@
sd{r
f/L af]g;
Joj
:yf
1,6
5,28
0 1
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279
5,0
01
3.03
%:y
ug s
/df eP
sf ;dfof]hg
/ dfly
pNn
]lvt
;dfof]hgs
f sf/0f
#=!#
cfos/ Joj:yf
5,0
2,484
4,8
7,72
5 1
4,7
59
2.94
%s/ ldnfg
5v'b
gfkmf÷-gf]S;fg_ -r
-#.!@-#.!#_
11,5
0,31
211
,15,
065
-
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
cg';"rL $=#^
n]vfk/LIf0f gePsf] ljQLo glthfcfly{s jif{ @)&@÷&# -rf}yf] q}df;_
?=xhf/df
ldltldlt
qm+=;+=qm+=;+= ljj/0fljj/0f #! cfiff9 @)&##! cfiff9 @)&# #) r}q @)&@#) r}q @)&@ #! cfiff9 @)&##! cfiff9 @)&#
-n]vfk/LIf0f ePsf]_
!= s'n k'FhL tyf bfloTj -!=! b]]lv !=& ;Dd_ 7,46,59,592 6,55,58,093 4,13,40,277 !=! r'Qmf k'FhL 44,86,924 41,54,559 24,00,000 !=@ hu]8f tyf sf]ifx? 24,63,784 23,72,091 9,16,754 !=# C0fkq tyf a08x? 5,00,000 5,00,000 5,00,000 !=$ ;fk6L 14,87,995 1,38,368 4,38,000 !=% lgIf]kx? -s±v_ 6,47,81,464 5,74,53,860 3,67,22,918
s= :jb]zL d'b|fdf 6,13,17,187 5,49,73,398 3,40,07,510 v= ljb]zL d'b|fdf 34,64,276 24,80,462 27,15,407
!=^ cfos/ bfloTj - - - !=& cGo bfloTjx? 9,39,426 9,39,214 3,62,606 @= s'n ;DklQ -@=! b]lv @=& ;Dd_ 7,46,59,592 6,55,58,093 4,13,40,277 @=! gub tyf a}+s df}Hbft 1,01,80,539 67,40,317 63,05,542 @=@ dfu tyf cNk;"rgfdf k|fKt x'g] /sd 5,57,823 5,92,259 7,22,607 @=# nufgL 85,04,126 76,17,323 59,83,872 @=$ shf{ tyf ;fk6 5,30,82,408 4,84,54,522 2,72,88,891
s_ l/on :6]6 shf{ 40,17,028 33,54,156 15,49,017 != cfjfl;o l/on :6]6 shf{ -! s/f]8 ;Ddsf] JolQmut 3/ shf{ afx]s_ 12,66,418 9,62,451 8,71,726 @= Jofkfl/s ejg tyf cfjfl;o ckf{6d]G6 lgdf{0f shf{ 3,89,768 3,96,989 1,14,571 #= cfo cfh{g x'g] Jofkfl/s ejg shf{ 19,269 22,105 - $= cGo l/on shf{ -hUuf vl/b tyf Knl6Ë_ 23,41,573 19,72,612 5,62,720 v_ JolQmut 3/ shf{ -! s/f]8 jf ;f] eGbf sdsf] JolQmut 3/ shf{_ 55,89,700 47,39,355 29,00,901 u_ dflh{g shf{ 8,15,449 6,39,530 2,40,078 w_ cfjlws shf{ 96,34,649 92,31,327 49,56,712 ª_ cf]e/8«fkm\6 shf{÷ l6 cf/ shf{÷ rfn" k"+hL shf{ 1,57,80,279 1,43,65,505 96,40,585 r_ cGo 1,72,45,302 1,61,24,650 80,01,598
@=% l:y/ ;DklQ 13,45,519 12,89,484 3,74,253 @=^ u}/ a}+lsË ;DklQ - - - @=& cGo ;DklQx? 9,89,177 8,64,188 6,65,111 #= #= gfkmf gf]S;fg lx;fagfkmf gf]S;fg lx;fa o; jif{o; jif{ o; jif{o; jif{ ut jif{ut jif{
-$ q}df;df_ -$ q}df;df_ -# q}df;df_ -# q}df;df_ -$ q}df;df_ -$ q}df;df_ #=! Jofh cfDbfgL 40,53,341 28,21,678 23,15,441 #=@ Jofh vr{ 20,40,059 14,47,387 13,48,074 s v'b Jofh cfDbfgL -#=!–#=@_ 20,13,282 13,74,291 9,67,368 #=# kmL, sldzg tyf l8:sfp06 1,91,466 1,31,794 1,12,616 #=$ cGo ;+rfng cfDbfgL 2,24,256 1,32,419 1,12,270 #=% ;6xL 36a9 cfDbfgL 1,60,269 1,25,853 1,19,514
9595
v s'n ;+rfng cfDbfgL -s±#=#±#=$±#=%_ 25,89,272 17,64,357 13,11,768 #=^ sd{rf/L vr{ 4,94,306 2,94,768 2,01,815 #=& cGo ;+rfng vr{ 4,56,570 3,02,608 2,88,112 u ;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf -v–#=^–#=&_ 16,38,395 11,66,981 8,21,841
#=* ;Defljt gf]S;fgL Joj:yfx? 5,15,300 2,99,719 97,074 3 ;+rfng d'gfkmf -u–#=*_ 11,23,095 8,67,262 7,24,767
#=( u}/ ;+rfng cfDbfgL÷-gf]S;fg_ -v'b_ 55,844 29,131 17,352 #=!) ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 6,35,559 3,12,151 41,974 ª lgoldt sf/f]jf/x?af6 ePsf] d'gfkmf÷-vr{_ -3±#±(±#±!)_ 18,14,498 12,08,543 7,84,093
#=!! c;fdfGo sf/f]jf/x?af6 ePsf] d'gfkmf÷-vr{_ -v'b_ 3,578 3,331 - r af]g; tyf s/ cl3sf] d'gfkmf -ª±#=!!_ 18,18,076 12,11,874 7,84,093
#=!@ sd{rf/L af]g; Joj:yf 1,65,280 1,10,170 71,281 #=!# cfos/ Joj:yf 5,02,484 3,30,511 2,09,008
5 v'b gfkmf÷-gf]S;fg_ -r–#=!@–#=!#_ 11,50,312 7,71,192 5,03,804
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
k|d'v n]vf gLltx?cfly{s jif{ ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Dd
!= ;fdfGo hfgsf/L
PgPdla a}+s lnld6]8 -o;kl5 a}+s elgPsf]_ g]kfndf :yflkt l;ldt bfloTj ePsf] sDkgL xf] . o;sf] /lhi68{ sfof{no
uf]=x'=sf= g+ !!%$#, aa/dxn, sf7df8f}+, g]kfndf /x]sf] 5 . of]
a}+s g]kfn lwtf]kq ljlgdo ahf/ lnld6]8df ;"rLs[t 5 .
o; a}+snfO{ g]kfn /fi6« a}+sn] a}lsË Joj;fo ug{ Ohfht k|bfg
u/]sf] 5 . o;n] g]kfn /fi6« a}+ssf] Ohfht k|fKt u/L …sÚ ju{sf] jfl0fHo a}+sn] k|bfg ug]{ sfo{x? tyf ;]jfx? k|bfg ub{5 .
@)&@ ;fn sflt{s ! ut] b]lv lSng OghL{ lasf; a}+s lnld6]8,
e[s'6L ljsf; a}+s lnld6]8, kflye/f lasf; a}+s lnld6]8 / k|'8]G;Lon kmfOgfG; lnld6]8 PgPdla a}+s lnld6]8;uF uleP/ ;+o'Qm
?kdf PgPdla a}+s lnld6]8 gfddf sf/f]af/ ;'? u/]sf 5g\ .
a}+ssf] ;+rfns ;ldltn] cfly{s jif{ @)&@–)&# sf] ljQLo ljj/0f @)&# sflQ{s )* ut]sf lbg kfl/t u/]sf] 5 / ;fy} cfufdL jflif{s ;fwf/0f ;efsf] :jLs[ltsf lgldQ l;kmfl/z ul/Psf] 5 .
@= k|d'v n]vf gLltx?sf] ;f/f+z
ljQLo ljj/0fx? tof/ kfbf{ cfwf/ dflgPsf ;j{dfGo n]vf gLltx? tn pNn]v ul/Psf 5g\ . cGoyf n]lvPsf]df afx]s oL gLltx?sf] kfngf lg/Gt/ ?kdf ul/Psf] 5 .
@=!_ n]vfsf] cg'kfng ;DaGwL k|lta4tf M
;+nUg ljQLo ljj/0fx? cGoyf pNn]v ePsf cj:yfx?df afx]s g]kfn n]vfdfg af]8{åf/f hf/L ul/Psf] n]vfgLlt ;fy}, a}+s tyf ljQLo ;+:yf ;DawL P]g @)^# sf Joj:yfx?, sDkgL P]g @)^# / g]kfn /fi6« a}+saf6 hf/L lgb]{zgx?sf] clwgdf /lx tof/ kfl/Psf 5g\ .
@=@_ ljQLo ljj/0fsf] pQ/bfloTj M
g]kfn n]vfdfg ! æljQLo ljj/0fsf] k|:t'tLs/0fÆ sf] cg'R5]b ^
cg';f/ a}+ssf] ljQLo ljj/0f tof/ kfg]{ pQ/bfloTj ;+rfns ;ldltdf lglxt /x]sf] 5 . ;+rfns ;ldltn] pQm pQ/bfloTjnfO{
:jLsf/ ub{5 .
@=#_ n]vf°gsf] cfwf/ M
;+rfns ;ldlt ljQLo ljj/0fx?sf] tof/L / plrt k|:t'ltk|lt
lhDd]jf/ 5 . ljQLo ljj/0fx? P]ltxfl;s nfutsf] cfwf/df tof/
kfl/Psf 5g\ . g]kfn n]vfdfg tyf n]vfsf ;j{dfGo l;4fGtx? cg'?k ljQLo ljj/0fx? tof/ kfbf{ s]xL cfjZos n]vf cg'dfgx? Ufg'{sf ;fy} ljleGg n]vf gLltx?sf] kfngf ug]{ qmddf Joj:yfkg kIfåf/f :jljj]s klg k|of]u ug'{kg]{ x'gfn] ;f]xL cg';f/ ul/Psf] 5 .
Joj:yfkg kIfn] ljQLo ljj/0f tof/ kfbf{ k|of]u ul/Psf] cg'dfg / :jljj]s plrt 5 eGg] ljZjf; u/]sf] 5 .
@=$_ Jofh cfDbfgL M
shf{ tyf ;fk6Ldf k|fKt x'g] Jofh cfonfO{ g]kfn /fi6« a}+ssf]
lgb]{lzsfg';f/ gub k|flKtsf] cfwf/df n]vf+sg ul/Psf] 5, h'g g]kfn n]vfdfg & cg'?k 5}g, h;n] cfDbfgLnfO{ k|f]befjL cfwf/
df n]vf+sg ug'{kg]{ u/L tf]s]sf] 5 . /fli6|o k|fylds If]q cGtu{t
s'g} kl/of]hgfnfO{ k|jfx ul/Psf] shf{ tyf ;fk6df ddf]/f6f]l/od cjlwdf kfs]sf] / k'lhs[t ul/Psf] Aofh g]kfn /fi6«
a}+ssf] k"j{l:js[tL k|fKt u/]/ cfDbfgL hgfO{Psf] 5 . nufgLaf6 cflh{t Jofh cfDbfgLnfO{ kfs]sf] cfwf/df n]vf+sg ul/Psf] 5 .
nufgLaf6 cflh{t Jofh cfDbfgLnfO{ k|f]befjL cfwf/df n]vf+sg ul/Psf] 5 .
@=%_ sldzg cfo M;Dk"0f{ sldzg cfDbfgL kfs]sf] cfwf/df n]vf°g ul/Psf] 5 . oBlk rfn' cfly{s jif{leq !@ dlxgfeGbf sd cjlwsf sf/f]jf/x?af6 k|fKt cfDbfgL jf ?= ! nfveGbf sd /sdsf] cfDbfgLnfO{ ;f]xL cfly{s jif{df cfDbfgLdf ;dfj]z ug]{ a}+ssf] gLlt /x]sf] 5 . ns/ tyf Pl6Pd\ z'Ns gub k|flKtsf] cfwf/df cfDbfgL aFfWg] ul/Psf] 5 .
shf{ tyf ;fk6Laf6 k|fKt ;]jf z'Ns cfDbfgLnfO{ shf{ k|bfg ubf{ avt cfDbfgL aFfWg] ul/Psf] 5 .
@=^_ nfef+z cfDbfgL Me'QmfgL k|fKt ug]{ clwsf/ :yflkt ePkl5 nfef+znfO{ cfDbfgLsf] ?kdf n]vf+sg ul/Psf] 5 eg] af]g; z]o/x?sf] k/n d"No oyfjt /fvL z]o/ ;+Vofdf dfq a[l4 ul/g] gLlt /x]s]f 5 .
@=&_ ljb]zL ljlgdo sf/f]jf/x? M ljb]zL d'2fdf /x]sf] ;DklQ Pj+ bfloTjx?nfO{ jiff{Gtdf /x]sf] ljBdfg v/Lb tyf ljqmLb/sf]] dWob/n] g]kfnL ?k}ofFdf ?kfGt/0f ul/Psf] 5 .
ljb]zL d'b|fsf] v/Lb b/ / laqmL b/sf] leGgtfaf6 k|fKt cfo b}lgs ?kdf u0fgf u/L ljb]zL d'b|fsf] k'g{d"Nof°gaf6 x'g] gfkmf–gf]S;fgnfO{ gfkmf–gf]S;fg lx;fasf] cg';"rL $=@@ cGtu{t æ;6lx 36a9 cfDbfgL÷gf]S;fgÆ zLif{sdf b]vfOPsf] 5 . o:tf] k'g{d"Nof°gaf6 ePsf] gfkmfsf] @%∞ /sd g]kfn /fi6« a}+ssf] lgb]{zfg';f/ gfkmf÷gf]S;fg afF8kmfF8 lx;fadf ;6xL 36a9 sf]ifdf ljlgof]lht ul/Psf] 5 .
ljleGg ljb]zL ljlgdosf] v/Lb tyf ljqmLaf6 ePsf] cfDbfgLnfO{ b}lgs ?kdf u0fgf u/L ;6xL 36a9 cfDbfgL cGtu{t v/Lb ljqmLaf6 x'g] gfkmfdf cg';"rL $=@@ df b]vfOPsf] 5 .
cg';"rL $=#@
9797
@=*_ Jofh vr{ MlgIf]k bfloTj tyf cGo a}+saf6 lnO{Psf] ;fk6Ldf ltg'{{kg]{ JofhnfO{ kfs]sf] cfwf/df n]vf+sg ul/Psf] 5 .
@=(_ shf{ ;fk6, clwljsif{ tyf lan vl/b Mo; zLif{s cGtu{t u|fxsnfO{ k|bfg ul/Psf k|ToIf shf{x? h:t} clwljsif{, cfjlws shf{, JolQmut shf{, xfo/ kr]{h tyf k|fylds Pj+ ljkGg ju{df k|jflxt shf{x? kb{5g\ . ;Dk"0f{ shf{ g]kfn /fi6« a}+ssf] lgb]{lzsf cg'?k juL{s/0f u/L g]kfn /fi6« a}+sn] tf]s] adf]lhd oy]i6 shf{ gf]S;fgL Joj:yf ul/Psf] 5 .
jf;nftdf shf{ ;fk6, clwljsif{ tyf lan vl/b /sdnfO{ shf{ gf]S;fgL Joj:yf ;dfof]hg kZrft\ k|:t't ul/Psf]] 5 .
@=!)_ sd{rf/L shf{ Ma}+ssf] sd{rf/L lgodfjnL cg'?k lbO{Psf] shf{nfO{ g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ æcGo ;DklQx?Æ zLif{scGt{ut sd{rf/L ;fk6L / k]ZsL zLif{sdf b]vfOPsf] 5 .
@=!!_ c;"n ug{ afFsL Jofh Mc;"n ug{ afFsL JofhcGtu{t k|To]s lbgsf] cGTodf c;"nL x'g afFsL shf{ tyf nufgLdf b}lgs ?kdf cflh{t x'g] Aofh kb{5g\ .
shf{ tyf ;fk6af6 cflh{t t/ c;"n ug{ afFsL JofhhfO{ g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ k"/f /sdaf6 Aofh d'NtjL /sd 36fO{ b]vfO{Psf] 5 .
kl/of]hgf shf{ cGtu{t kl/of]hgfsf] lgdf{0f cjlwdf cflh{t t/ c;"n ug{ afFsL JofhnfO{ C0fL;+usf] s/f/ adf]lhd shf{df k'lhs[t ul/Psf] 5 .
nufgLaf6 e'QmfgL ug{ afFsL JofhnfO{ k"/f /sddf b]vfO{Psf] 5 .
@=!@_ shf{ gf]S;fgL Joj:yf Mg]kfn /fi6« a}+ssf] lgb]{lzsfsf] cfwf/df shf{, ;fk6, clwljsif{ tyf lan vl/bnfO{ juL{s/0f u/L !∞ b]lv !)) ∞ ;Dd ;Defljt shf{ gf]S;fgL Joj:yf sfod ul/Psf] 5 . g]kfn /fi6« a}+ssf] dfu{ lgb]{lzsf cg';f/ ug'{kg]{ Go"gtd Joj:yf afx]s Joj:yfkgn] plrt cfwf/df cltl/Qm gf]S;fgL Joj:yfx? klg ul/Psf] 5 .
@=!#_ shf{ ckn]vg Mshf{ ;DaGwL ckn]vg g]kfn /fi6« a}+ssf] lgb]{zfg';f/ tyf a}+s shf{ ckn]vg gLlt cg';f/ n]vfËsg ul/Psf] 5 .
@=!$_ nufgL ;DaGwL gLlt Ma}+sn]] nufgLx?nfO{ Jofkfl/s nufgL (Held For Trading), ljqmLsf] nflu pknAw nufgL (Available for Sale) tyf e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held in Maturity) u/L u/L tLg lzif{sdf b]vfOPsf] 5 .
-s_ Jofkfl/s nufgL (Held for Trading): cNksfndf d"Nodf x'g] kl/jt{gaf6 gfkmf cfh{g ug]{ p2]Zon] ul/Psf nufgL tyf nufgL kf]6{kmf]lnof]df /x]sf Ps} k|s[ltsf ;DklQdf ePsf] nufgL o; ju{df kb{5g\ . o:tf nufgLnfO{ ahf/b/ cg'?k b}lgs?kdf d"Nof°g ug]{ (Marked to Market on Daily Basis) / d"Nodf x'g]
leGgtfnfO{ gfkmf÷gf]S;fg lx;fj vftfdf b]vfpg' kg]{5 .
-v_ e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity): e'QmfgL ldlt;Dd wf/0f ug{];sf/fTds dg;fo (Positive Intent) / e'QmfgL ldlt;Dd wf/0f ug{ ;Sg] Ifdtf (Ability to Hold till Maturity) eO{ ul/Psf] nufgL o; ju{df kb{5 . e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) nfO{ ckn]lvt nfut (Amortised
Cost) df d"Nof°g ug'{ kb{5 . d'No x|f; -Impairment_ gfkmf÷gf]S;fg lx;fj vftfdf b]vfOG5 . 6«]h/L lan / C0fkqdf ltl/Psf] lk|ldod / kfO{Psf] l8:sfpG6nfO{ z'?jftdf nufgL /sddf ;dfj]z ul/ ;f] kZrft\ k|fKt ul/Psf] Aofhdf ;dfof]hg ul/G5 .
-u_ ljqmLsf] nflu pknAw nufgL (Available for Sale): Jofkfl/s nufgL (Held for Trading) / e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) cGtu{t gkg]{ ;Dk"0f{ nufgLnfO{ o; ju{df /fVg] . o:tf nufgLnfO{ ahf/b/ cg'?k lgoldt ?kdf d"Nof°g (Marked to Market on Regular Basis) u/L leGgtfnfO{ hu]8f (Reserves) dfkm{t ;dfof]hg (Adjust) ug'{ kb{5 . ;+:yfx?n] ljqmLsf] nflu pknAw nufgL kf]6{kmf]lnof] (Available for Sale
Portfolio) sf] @∞ ;Ddsf] /sd k'/s k'FhL (Supplementary or
Tier 2 Capital) df u0fgf x'g] nufgL ;dfof]hg sf]if (Investment
Adjustment Reserve) v8f u/L /fVg' kg]{5 .
g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ nufgLdf @ k|ltztsf b/n] nufgL ;dfof]hg hu]8f ;[hgf u/]sf] 5 . ;a} nufgLx? g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ lgoldt k'g/fjnf]sg ug]{ ul/Psf] 5 .
@=!%_ l:y/ ;DklQ tyf x|f;s§L M-s_ l:y/ ;DklQnfO{ P]ltxfl;s nfut cjwf/0ffsf] cfwf/df ;+lrt x|f; s§f kZrft b]vfOPsf] 5 .
-v_ l:y/ ;DklQsf] cg'dflgt pkof]lutf cjlwnfO{ cfwf/dfgL Straight line basis sf] cfwf/df gfkmf gf]S;fg lx;fadf n]vf+sg ul/Psf] 5 . hUufsf] x|f;s§L gul/Psf] tyf ljleGg ju{sf ;DklQdf lgDglnlvt cjlw÷b/df x|f;s§L ug]{ ul/Psf] 5 .
;DklQ;DklQcg'dflgt cg'dflgt
pkof]lutf cjlwpkof]lutf cjlwx|f;s§L b/x|f;s§L b/
ejg $) aif{ @=%∞sfof{no ;+rfng pks/0f & aif{ !$=@*∞sDKo'6/ % aif{ @)∞kmlg{r/ & aif{ !$=@*∞;jf/L ;fwg %÷& aif{ @)∞÷!$=@*∞
cb[io ;DklQ
;DklQsf]lglZrt÷cg'dflgt
pkof]lutfsf] cjlwdf
-u_ k§fdf lnOPsf] ;DklQdf ul/Psf] vr{nfO{ k/n d"Nodf n]vf+sg ul/ k§fsf cjlwdf ckn]vg x'g] u/L kl/;f]wg gLlt ckgfOPsf] 5 .
-3_ cb[io ;DklQnfO{ k'lhs[t ul/ cg'dflgt÷lglZrt cjlw el/ ckn]vg ul/Psf] 5 .
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
-ª_ ljqmL jf lg;u{ ul/Psf] l:y/ ;DklQsf] x|f;s§L, ;f] ;DklQ laqmL jf lg;u{ ePsf] ldlt;Dd n]vf+sg ul/Psf] 5 .
-r_ ;km6\j]o/ nfut tyf cGo cb[Zo ;DklQnfO{ To:tf ;DklQsf] cg'dflgt÷lglZrt cjlw e/df kl/zf]wg ug]{ ul/Psf] 5 . o:tf nfutnfO{ l:y/ ;DklQ cGt{ut cg';"rL $=!$ "cGo" df b]vfOPsf] 5 .
-5_ ?=!),)))÷– ;Dd d"No kg]{ ;DklQx?nfO{ k"+hLs[t gu/L v/Lb ul/Ps} jif{df vr{ hgfOPsf] 5 .
@=!^_ cjsfz sf]if Ma}+sn] cfkm\gf :yfoL sd{rf/Lx?sf] nfuL ;]jfaf6 cjsfz k|fKt ubf{sf] cj:yfdf lgDg lnlvt cjsfz ;'ljwfsf] Joj:yf u/]sf] 5 .
-s_ ;+ro sf]if M:yfoL sd{rf/Lx?af6 ;dofjlws of]ubfgsf] cfwf/df ;+ro sf]ifsf] Joj:yf u/]sf] 5 . sd{rf/L ;+rosf]ifdf of]ubfg ul/Psf] ;dodf g} vr{ hgfOPsf] 5 . pQm sf]if a}+seGbf leGg ;+:yf xf] .
-v_ pkbfg sf]if M g]kfn n]vfdfgsf] k|fjwfg cg';f/ :jtGq PSr'c/Ln] u/]sf] d'Nofª\sg cg';f/ pkbfgsf] Joj:yf ul/Psf] 5 . sd{rf/Lx?n] ;]jfaf6 cjsfz k|fKt ubf{ sd{rf/L ;]jf zt{ tyf ;'ljwf ;DaGwL ljlgdodfjnL] cg';f/ pkbfgsf] lx;fa u/]/ sd{rf/LnfO{ pkbfg e'QmfgL ul/G5 .
-u_ ;+lrt labf Mg]kfn n]vfdfgsf] k|fjwfg cg';f/ :jtGq PSr'c/Ln] u/]sf] d'Nofª\sg cg';f/ la/fdL labf jfktsf] Joj:yf ul/Psf] 5 . sd{rf/Lx?n] ;]jfaf6 cjsfz k|fKt ubf{ sd{rf/L ;]jf zt{ tyf ;'ljwf ;DaGwL ljlgdodfjnL] cg';f/ ;+lrt la/fdL labfsf] lx;fa u/]/ sd{rf/LnfO{ e'QmfgL ul/G5 .
@=!&_ cfos/ M-s_ rfn" cfos/ M
s+DkgLsf] cfos/ P]g, @)%* / ;f]df ;do ;dodf ePsf] ;+zf]wgsf] cfwf/df cfos/ Joj:yf ul/Psf] 5 .
-v_ :yug cfos/ M
ljlQo ljj/0fdf ;Dklt / bfloTjsf] d'No / ;f]sf] s/ d'Nodf x'g] c:yfoL km/sdf k|rlnt s/sf] b/ k|of]u ul/ cfpg] /sdnfO{ :yug s/ eg]/ hgfOG5 . :yug cfos/ jf;n;tsf] ldltdf k|rlnt s/sf] b/ k|of]u ul/ lgwf{/0f ul/G5 / :yug cfos/ ;DklQ k|fKt ubf{ cyjf :yug cfos/ bfloTj km5{of]6 ubf{ pkof]u ug{ ;lsG5 . :yug ul/Psf] s/ ;DklQnfO{ eljiodf kof{Kt s/of]Uo cfo l;lh{t eO{ pQm s/of]Uo cfodf ;dfof]hg ug{ ;lsG5 eGg]df Jofjxfl/s ?kn] ;'lglZrttf geP;Dd :yug s/ ;DklQnfO{ n]vf°g ul/b}g . z'?sf] df}Hbftdf /x]sf] c:yfoL km/s;+u ;DalGwt :yug s/ OSjL6Ldf ;dfof]hg ul/G5 / To; kZrft\ kl5Nnf] jif{x?df cfpg] km/sx? gfkmf÷gf]S;fg lx;fa vftfdf :yug cfo jf gf]S;fgL;+u hgfOG5 .
g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd :yug s/ ;DklQ / bfloTjnfO{ Ps csf{df ldnfg u/L v'b /sdnfO{ cGo ;DklQx? cyjf cGo bfloTjx? cGt{ut k|:t't ul/Psf] 5 .
@=!*_ :6]zg/L Mvl/b ul/Psf :6]zg/L df}HbftnfO{ nfut d"Nosf] cfwf/df n]vf+sg u/L pkof]u ul/Psf] ;dodf vr{ hgfOPsf] 5 .
@=!(_ u}/ a}+lsË ;DklQ Mu}/ a}+lsË ;DklQnfO{ g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ n]vf+sg ul/Psf] 5 .
@=@)_ Joj:Yff, ;+efljt bfloTj tyf ;+efljt ;DklQMljutsf s'g} 36gfsf] sf/0f jt{dfg bfloTj ;[hgf eO{ a}+ssf] ;|f]tsf] k|jfx x'g] ;Defjgf ePdf / ;f] bfloTj /sdsf] plrt cg'dfg ug{ ;lsPdf a}+sn] Joj:yf ub{5 . ;+efljt afWotf jf jt{dfg bfloTj -h;af6 ;Dejt a}+ssf] ;|f]tsf] k|jfx x'b}g_ sf] nfuL a}+sn] ;+efljt bfloTjsf] k|s6g ub{5 . ;+efljt bfloTj jf jt{dfg bfloTj h;af6 a}+ssf] ;|f]tsf] k|jfx x'g] ;Defjgf Go"g /x]df a}+sn] Joj:yf jf k|s6 ug]{5}g .
;+efljt ;DklQnfO{ ljlQo ljj/0fdf b]vfOPsf] 5}g oBkL logLx?nfO{ ;do ;dodf lgwf{/0f ul/G5 / cfly{s nfe x'g] lglZrt x'g] v08df h'g cf= j= df ;f] kl/jt{g ePsf] xf] ;f] cf= j= df ;Dklt / ;DalGwt cfosf] n]vfª\sg ul/G5 .
8]l/e]l6e s/f/;+u ;DalGwt bfloTjnfO{ ;Defljt bfloTj lzif{s cGtu{t kmjf{8 PS;r]Gh sG6«\ofS6sf] bfloTj pklzif{sdf k|:t't ul/Psf] 5 . o; cGtu{t kmjf{8 /]6 Plu|d]G6sf] ;fFjf klg ;dfj]z ul/Psf] 5 .
@=@!_ jf;nft ldlt kl5sf 36gfx? MJff;nftsf] ldlt / ljlQo ljj/0f hf/L ug{ l:js[t ePsf] ldltsf] aLrdf 36]sf cg's'n jf k|lts"n 36gfx?nfO{ jf;nftsf] ldltkl5sf] w6gf elgG5 .
Jf;nftsf] ldlt / ljlQo ljj/0f hf/L ug{ l:js[t ePsf] ldltsf] aLrdf 36]sf ;f/e't / cy{k"0f{ 36gfx?sf] ljQLo ljj/0fdf plrt ;dfof]hg / n]vf ;DaGwL l6Kk0fLx?df plrt k|s6g ul/Psf] 5 .
#= lgs6td ?k}+ofF tyf k'gj{lu{s/0fljQLo ljj/0fx?nfO{ g]kfnL ?k}ofFdf k|:t't ul/Psf] 5 . c∙x?nfO{ lgs6td ?k}ofFdf kl/0ft u/L b]vfOg'sf] ;fy} ut jif{sf] s]xL c+sx? t'ngf ug{ ;lhnf]sf nflu cfjZostf cg';f/ jlu{s/0f jf k'gj{lu{s/0f ul/Psf] 5 . ut jif{sf] /sd x?df ;a} uflePsf] ;+:yfx?sf] geO} PgPdjL a}+ssf] cfly{s jif{ @)&!÷&@ sf] /sd dfq ;dfj]z ul/Psf] 5 .
9999
cg';"rL $=##
n]vf ;DaGwL l6Kk0fLx?ldlt @)&@ >fj0f ! ut] b]lv @)&# cfiff9 #! ut] ;Dd
!= Jofh cfDbfgL tyf Jofh d'NtjL\\Mg]kfn /fi6« a}+ssf] lgb]{lzsf d'tfljs #! cfiff9 @)&# ;Dd shf{ tyf ;fk6df c;"n ug{ afFsL JofhnfO{ Jofh d'NtjL lx;fadf ;dfof]hg ul/Psf] 5 . h;nfO{ $=!^ cGtu{t æcGo ;DklQÆ lzif{s cGt{ut b]vfO{Psf] 5 .
@= sd{rf/L af]g;Mshf{ gf]S;fgL Joj:yf kl5 tyf cfos/ Joj:yf ug'{ cl3sf] d'gfkmfdf af]g; vr{ ;d]t ;dfj]z u/L cfPsf] !) k|ltztsf] lx;fan] x'g cfpg] /sd sd{rf/L af]g; jfkt Joj:yf ul/Psf] 5 .
#= sd{rf/L cfjf; of]hgf sf]ifMa}+sdf u/]sf] ;]jfsf] cfwf/df sd{rf/Lx?sf] nflu >d P]g @)$* adf]lhd sd{rf/L cfjf; of]hgf sf]ifsf] v8f ul/Psf] 5}g .
$= ;fwf/0f hu]8f sf]ifMa}}+s tyf ljlQo ;+:yf ;DalGw P]g, @)^# sf] Joj:yf adf]lhd k|:t't jif{sf] v"b gfkmfsf] @) k|ltzt /sd gfkmf gf]S;fg afF8kmfF8 lx;faaf6 ljlgof]hg u/L ;fwf/0f hu]8fdf ;fl/Psf] 5 .
%= ;6xL 36a9 sf]ifMg]kfn /fi6« a}+ssf] lgb]{zfg';f/ ljb]zL d'b|fsf] ljlgdo b/df ePsf] km/saf6 ePsf] gfkmfsf] @% k|ltztn] x'g] /sd ?= 1,04,17,464 ægfkmf gf]S;fg afF8kmfF8 lx;faÆ af6 /sdfGt/ u/L æ;6xL 36a9 sf]ifÆ df ;fl/Psf] 5 .
^= nufgL ;dfof]hg sf]ifMg]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd laqmLsf] nflu pknAw nufgLsf] @% /sd tyf ;LOl8la xfO8f]{ km08df ul/Psf] nufgLsf] !))∞ u/L hDdf ?= 1,49,32,675 nufgL ;dfof]hg sf]ifdf ljlgof]hg u/]sf] 5 . g]kfn Sn]l/Ë xfp; (Nepal Clearing House) tyf shf{ ;"rgf s]Gb| lnld6]8df ePsf] nufgLdf nufgL ;dfof]hg sf]if v8f ul/Psf] 5}g .
ljj/0fljj/0f nufgLnufgL Joj:yf k|ltztJoj:yf k|ltzt Joj:yf /sd ?=Joj:yf /sd ?=
nufgL ;dfof]hg sf]if v8f ug{ gkg]{ 43,87,000 0∞ –nufgL ;dfof]hg sf]if !)) k|ltzt v8f ug{'kg]{ 1,00,00,000 100∞ 1,00,00,000nufgL ;dfof]hg sf]if @ k|ltzt v8f ug{'kg]{ 24,66,33,749 2∞ 49,32,675hDdfhDdf 26,10,20,74926,10,20,749 1,49,32,6751,49,32,675
&= :yfug s/ sf]if MufFlePsf ;+:yfx?af6 :yug s/ sf]ifdf ?= @),*$,^%,%%( tflgPsf] 5 . g]=/f=a}+= sf] lgb]{lzsf cg';f/ cfly{s jif{sf] :yfug s/ vr{nfO{{ :yfug s/ sf]ifaf6 ;+lrt d'gfkmfdf ;fl/Psf] 5 . o; jif{df ?= !^,^(,*#,%^* a/fa/sf] /sd ;fl/Psf] 5 .
*= C0fkq e'QmfgL sf]if Mæ&∞ PgPgla C0fkq @)&&Æ sf] ljj/0fkqn] dfu u/] adf]lhd o; jif{ ?= (,)&,%),*&) j/fj/sf] /sd C0fkq e'QmfgL sf]ifdf yk ul/Psf] 5 . jf;nft ldtLdf C0fkq e'QmfgL sf]ifdf ?= !@,&&,(&,!!^ a/fa/sf] /sd /xsf] 5 .
(= k|:tfljt nfef+; Mcfiff9 #!, @)&# df ;dfKt ePsf] cfly{s jif{sf nflu ;+rfns ;ldltn] !(∞ af]g; z]o/ tyf !∞ gub nfef+z -s/ k|of]hgsf nflu_ l;kmfl/z u/]sf] 5 . ;f] sf] :jLs[tL cfufdL jflif{s ;fwf/0f ;efaf6 x'g]5 .
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
!)= cfos/ M
-s_ cfos/ d'sbdf M 7"nf s/bftf sfof{non] hf/L u/]sf] ljleGg cfly{s jif{sf] ;+;f]lwt s/ lgwf{/0f cfb]zsf] la?4 a}+sn] >L ;jf]{Rj cbfntdf, >L /fhZj Gofoflws/0fdf tyf >L cfGtl/s /fh:j ljefudf ph'/L bfo/ u/]sf] 5 .
oL ph'/Lx?sf] ;f/ tn tflnsfdf k|:t't ul/Psf] 5 .
PgPdla a}+s lnld6]8 -dh{ cufl8_PgPdla a}+s lnld6]8 -dh{ cufl8_
cfly{s jif{cfly{s jif{ ljj/0fljj/0f ljjflbt s/ /sd ?=ljjflbt s/ /sd ?=
cf=j= @)^#÷)^$@)&).!!.!% df >L ;jf]{Rr cbfntdf ph'/L bfo/ u/]sf] /clGtd lg0f{o x'g afFsL /x]sf]
1,81,91,784
cf=j= @)^$÷)^%@)^(.)*.!@ df >L /fhZj Gofoflws/0fdf ph'/L bfo/ u/]sf] /
clGtd lg0f{o x'g afFsL /x]sf]1,62,02,412
cf=j= @)^^÷)^&@)&).)^.!@ df >L cfGtl/s /fhZj sfof{nodf k|zfzsLok'g/fjnf]sgsf] nfuL ph'/L bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]
2,26,13,221
cf=j= @)^&÷)^*@)&!.!@.)# df cfGtl/s /fhZj sfof{nodf k|zfzsLo k'g/fjnf]sgsf] nfuL ph'/L bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]
64,49,185
cf=j= @)^*÷)^(>L cfGtl/s /fhZj ljefusf] k|sfzlsodf ldlt @)&#=)!=#) ut] k"g/fjnf]sgsf] nflu lgj]bg lbOPsf] 5 tyf ;f]sf] lg0f{o x'g afFsL 5 .
58,91,178
hDdfhDdf 6,93,47,7806,93,47,780
;fljs lSng OghL{ 8]ef]Nkd]06 a}+s lnld6]8;fljs lSng OghL{ 8]ef]Nkd]06 a}+s lnld6]8
cf=j= @)^%÷)^^@)&).)^.)^ df cfGtl/s /fhZj sfof{nodf k|zfzsLo k'g/fjnf]sgsf] nfuL ph'/L bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]
15,05,630
cf=j= @)^^÷)^&@)&!.)*.@# df cfGtl/s /fhZj sfof{nodf k|zfzsLo k'g/fjnf]sgsf] nfuL ph'/L
bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]1,45,95,261
cf=j= @)^&÷)^*@)&@.)%.)( df cfGtl/s /fhZj sfof{nodf k|zfzsLo k'g/fjnf]sgsf] nfuL ph'/L bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]
57,00,050
cf=j= @)^*÷)^(@)&#.)!.)( df cfGtl/s /fhZj sfof{nodf k|zfzsLo k'g/fjnf]sgsf] nfuL ph'/L bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]
30,40,090
hDdfhDdf 2,48,41,0312,48,41,031
;fljs k|'8]G;Lon kmfOgf; lnld6]8;fljs k|'8]G;Lon kmfOgf; lnld6]8
cf=j= @)^%÷)^^@)&).)&.@( df cfGtl/s /fhZj sfof{nodf k|zfzsLo k'g/fjnf]sgsf] nfuL ph'/L
bfo/ u/]sf] / clGtd lg0f{o x'g afFsL /x]sf]56,59,272
hDdfhDdf 56,59,27256,59,272
s"n hDdfs"n hDdf 9,98,48,0859,98,48,085
clGtd lg0f{o x'g afFsL /x]sf] x'gfn] s"n ljjflbt s/ /sd ?= (,(*,$*,)*%÷– cg';"rL $=!& df cfos/ jfkt ;Defljt bfloTj lzif{sdf b]vfO{Psf] 5 .
-v_ cfos/ lgwf{/0f
cf=a= @)^(÷&) / To;kl5sf] s/ lgwf{/0fsf] cfb]z k|fKt ug{ afFsL 5 .
101101
!!= cu|Ld cfos/ Ma}+sn] lt/]sf] cu|Ld cfos/nfO{ cfos/ Joj:yf;Fu ;dfof]hg ul/Psf] 5 h;nfO{ $=!^ cGtu{t æcGo ;DklQÆ lzif{s cGt{ut b]vfO{Psf] 5 .
ljj/0fljj/0f /sd -?=_/sd -?=_ut jif{sf] clu|d cfos/sf] df}Hbft ;f/]sf] 14,09,68,348 ;fljs lSng OghL{ 8]ef]Nkd]06 a}+s lnld6]8af6 tflgPsf] cu|Ld cfos/ 3,88,23,965 ;fljs e[s'6L 8]ef]Nkd]06 a}+s lnld6]8af6 tflgPsf] cu|Ld cfos/ 43,90,545 ;fljs kflye/f lasf;a}+s lnld6]8af6 tflgPsf] cu|Ld cfos/ 5,42,637 ;fljs k|'8]G;Lon kmfOgf; lnld6]8af6 tflgPsf] cu|Ld cfos/ 53,05,300 cu|Ld cfos/ cf= j= @)&@÷&# sf] ls:tf 27,00,00,000 cf= j= @)&@÷&# df e'QmfgLdf s§L ul/Psf] s/ 66,04,816 Go"g M @)&@÷&# sf] cfos/ bfloTj -31,38,40,105_cg';"rL $=!^ df k|:t't ul/Psf] cu|Ld cfos/ 15,27,95,506
!@= sd{rf/L pkbfg Joj:yf Ma}+sn] o; cfly{s jif{df pkbfgsf] PSr'c/Lon d'Nofª\sg u/]sf] 5 / PSr'c/Laf6 k|fKt k|ltj]bgsf] cfwf/df a}+sn] ?= $,@^,^(,$#$÷– sf] pkbfg jfkt yk Joj:yf u/]sf] 5 . a}+sn] cf= j= @)&@.&# sf] d;fGtdf x'g cfPsf] ;Dk"0f{ pkbfg bfloTj ?= $,^@,)%,(@*÷– gful/s nufgL sf]if -l:js[t cjsfz sf]if_ df hDdf u/]sf] 5 .
!#= sd{rf/L lj/fdL ljbf Joj:yf M
o; jif{ a}+sn] la/fdL labf jfkt cjsfz k|fKt u/]sf] of]Uo sd{rf/Lx?nfO{ ?= $@,&%,@(^÷– gub e'QmfgL u/]sf] 5 .
a}+sn] o; cfly{s jif{df la/fdL labf bfloTjsf] PSr'c/Lon d'Nofª\sg u/]sf] 5 / PSr'c/Laf6 k|fKt k|ltj]bgsf] cfwf/df a}+sn] ?=
#,@*,@#,(#@÷– sf] la/fdL labf bfloTj jfkt yk Joj:yf u/]sf] 5 . a}+sn] cf= j= @)&@.&# sf] d;fGtdf x'g cfPsf] la/fdL labf bfloTj ?= %,^),$!,!!@÷– jf;nftsf] cg';'rL $=& -cGo bfloTj_ df b]vfOPsf] 5 .
!$= cljt/Lt nfef+z Mcf=j= @)&@÷&# sf] cGTo ;Dddf % jif{ b]lv ljt/0f gePsf]] nfef+z /sd ?= #,#(,^%,^)(÷– /x]sf] 5 / s"n cljt/Lt nfef+z ?= #,$),!#,#%(÷– /x]sf] 5 .
cf=j= @)^(.&) sf] ;Dk"0f{ ltg{'kg]{ nfef+z a}+ssf] z]o/ /lh:6«f/, PgPdla Soflk6n lnld6]8, sf] vftfdf ;fl/Psf] 5 . jf;nftsf] ldltdf cf=j= @)^(.&) sf] ltg{'kg]{ nfef+z ?= *$,(),*&@÷– /x]sf] 5 .
!%= r'Qmf k"FhL MljleGg jif{x?df a}+ssf] r"Qmf k"FhLdf lgDglnlvt kl/jt{gx? ePsf 5g\ M
cfly{s jif{x?cfly{s jif{x? r"Qmf k"FhL ?=r"Qmf k"FhL ?= s}lkmots}lkmot@))^÷)& -@)^#÷^$ lj=;+=_ !(,(%,$),^))÷– #)∞ af]g; z]o/ hf/L@))&÷)* -@)^$÷^% lj=;+=_ !,)),)),)),)))÷– !M$ xsk|b z]o/ hf/L@))*÷)( -@)^%÷^^ lj=;+=_ !,$@,$^,$!,#%)÷– !)∞ af]g; z]o/ tyf #)∞ xsk|b z]o/ hfl/
@))(÷!) -@)^^÷^& lj=;+_ !,^%,!^,%),)))÷–
cf=j= @))*.)( sf] laqmL gePsf] %#,%*^=%) lsQf xsk|b z]o/ lnnfd
a9fa9df laqmL ul/Psf] tyf &,!%,))) lsQf ;fwf/0f z]o/sf] yk gofF
lgisfzg ul/Psf] . z]o/ lk|ldodsf] n]vf+sg ;d]t ul/Psf] 5 .
@)!)÷!! -@)^&÷^* lj=;+_ @,)),)),)),)))÷–!)M@!=)(! xsk|b z]o/ tyf ljlqm gePsf] pQm xsk|bz]o/x? lnnfd a9fa9df laqmL ul/Psf
@)!#÷!$ -@)&)÷&! lj=;+_ @,$),)),)),)))÷– @)∞ af]g; z]o/ hf/L
@)!%÷!^ -@)&@÷&# lj=;+_ $,!%,$%,%(,#@)÷– uflePsf ;+:yfsf z]o/ wgLx?nfO{ k|bfg ul/Psf] z]o/
@)!%÷!^ -@)&@÷&# lj=;+_ $,$*,^(,@$,)^^÷– *∞ af]g; z]o/ hf/L
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
@)&@ ;fn sflt{s ! ut] b]lv lSng OghL{ lasf; a}+s lnld6]8, e[s'6L lasf; a}+s lnld6]8, kflye/f lasf; a}+s lnld6]8 / k|'8]G;Lon kmfOgfG; lnld6]8 PgPdla a}+s lnld6]8;Fu uleP/ ;+o'Qm ?kdf PgPdla a}+s lnld6]8 gfddf sf/f]af/ ;'? u/]sf 5g\ . ;a}
ljQLo ;+:yfx?sf z]o/ k"FhLsf] dh{ cufl8 tyf k5f8Lsf] cj:Yff lgDg tflnsfdf k|:t't ul/Psf] 5 M
ljQLo ;+:yf gfdljQLo ;+:yf gfd z]o/ k"FhL -dh{ cufl8_z]o/ k"FhL -dh{ cufl8_ z]o/ cg'kftz]o/ cg'kft z]o/ k"FhL dh{ -k5f8L_z]o/ k"FhL dh{ -k5f8L_
PgPdla a}+s lnld6]8 2,40,00,00,000 100∞ 2,40,00,00,000
e[s'6L 8]ef]Nkd]06 a}+s lnld6]8 52,12,48,500 87∞ 45,34,86,195
kflye/f lasf; a}+s lnld6]8 14,14,50,000 81∞ 11,45,74,500
lSng OghL{ 8]ef]Nkd]06 a}+s lnld6]8 1,25,99,12,500 75∞ 94,49,34,375
k|'8]G;Lon kmfOgf; lnld6]8 48,31,28,500 50∞ 24,15,64,250
hDdfhDdf 4,80,57,39,5004,80,57,39,500 4,15,45,59,3204,15,45,59,320
Zf]o/ cg'kftdf ;dGjo u/]kl5sf] ?= ^%,!!,*),!*) -?= $,*),%&,#(,%)) – ?= $,!%,$%,%(,#@)_ nfO{ sf]ifsf] ?kdf clen]v u/LPsf] 5 / ;f]nfO{ k"FhLut ;dfof]hg sf]if -Swap Surplus_ df b]vfO{Psf] 5 .
!^= C0fkqM
a}+sn] kmfNu'g ^, @)&! Dff ?= %) s/f]8sf] ckl/jt{gLo æ&∞ PgPdla C0fkq @)&&Æ hf/L u/]sf] 5 . k"0f{tof laqmL ePsf] C0fkqsf]
Dofb % jif{ ^ dlxgfsf] /x]sf] 5 .
!&= :yug s/M;DklQ tyf bfloTjdf cfiff9 #!, @)&# -!^÷)&÷@)!^_ df b]lvPsf c:yfoL cGt/x?sf] ljj/0f lgDglnlvt 5g\ M
ljj/0fljj/0fljQLo ljj/0f ljQLo ljj/0f
cg';f/cg';f/
cfos/cfos/
P]g cg';f/P]g cg';f/
:yug s/ :yug s/
bfloTj÷;DklQbfloTj÷;DklQkm/s -?=_km/s -?=_
l:y/ ;DklQ 47,55,81,934 49,63,58,761 :yug s/ bfloTj 2,07,76,827
lj/fdL ljbf 5,60,41,112 – :yug s/ ;DklQ 5,60,41,112
nufgL Joj:yf 2,43,461 – :yug s/ ;DklQ 2,43,461
u}/ a}+lsË ;Dklt Joj:yf 6,99,68,627 – :yug s/ ;DklQ 6,99,68,627
cGo ;DklQsf] Joj:yf 55,44,336 – :yug s/ ;DklQ 55,44,336
ufFlePsf ;+:yfx?af6 tflgPsf gf]S;fg – 6,51,55,145 :yug s/ ;DklQ 6,51,55,145
v'b c:yfoL cGt/ :yug s/ ;DklQ 21,77,29,508
:yug s/ bfloTj #)∞ -#! cfiff9 @)&#_ 6,53,18,853
:yug s/ ;DklQsf] z'?sf] df}Hbft 23,23,02,421
o; jif{df ePsf] v'b kl/jt{g -16,69,83,568_
Gffkmf gf]S;fg lx;fadf n]vf+sg ul/Psf] -16,69,83,568_
:yug s/ -;DklQ_÷bfloTjnfO{ g]kfn n]vfdfg -PgPP;–(_ cg';f/ n]vf°g ul/Psf] 5 .
103103
!*= k§fdf lnOPsf] ;Dklt ljj/0fljj/0fljj/0f /sd -?=_/sd -?=_k/n d'No M ut jif{sf] df}Hbft 9,85,74,153 uflePsf ;+:yfx?sf] vftfaf6 ;fl/Psf] 4,76,73,175 o; jif{sf] yk -uflePsf ;+:yfx? ;lxt_ 1,02,31,640 o; jif{ lg;u{ ul/Psf] –o; jif{ ckn]vg ul/Psf] -1,36,14,966_s"n d'Nos"n d'No 14,28,64,002 14,28,64,002 x|f; M ut jif{;Dd 4,13,97,135 uflePsf ;+:yfx?sf] vftfaf6 ;fl/Psf] 3,19,77,187 o; jif{sf] x|f; 1,38,25,313 x|f; ;dfof]hg÷k'gn]{vg÷ckn]vg -75,49,406_s"n x|f;s"n x|f; 7,96,73,170 7,96,73,170 k§fdf lnOPsf] ;Dkltsf] lstfaL d'No 6,31,90,832
!(= shf{ ckn]vg Ma}+sn] ?= !,$%,@),)#! a/fa/sf] shf{ tyf ;fkl6 cGtu{t ckn]vg u/]sf] 5 / ;f]nfO{ cg';"rL $=@* -s_df k|:t't u/]sf] 5 .
@)= cGo ;DklQ ckn]vg Ma}+sn] o; cf=j= df s'g} klg cGo ;DklQ ckn]vg u/]sf] 5}g .
@!= k|d'v Joj:yfkgsf sd{rf/LnfO{ k|bfg ul/Psf] kfl/>lds ljj/0f M
s|=;=s|=;= ljj/0fljj/0f /sd -?=_/sd -?=_
! cNksfnLg sd{rf/L ;'ljwf 4,58,12,872
@ eljiodf k|bfg ul/g] sd{rf/L ;'ljwf gePsf]
# cGo bL3{sfnLg ;'ljwf gePsf]
$ ;]jf cjlw ;dfKt ePkl5 lbO{g] sd{rf/L ;'ljwf gePsf]
% z]o/ e'QmfgL gePsf]
k|d'v Joj:yfkgsf sd{rf/LnfO{ k|bfg ul/Psf] s"n kfl/>ldsk|d'v Joj:yfkgsf sd{rf/LnfO{ k|bfg ul/Psf] s"n kfl/>lds 4,58,12,872 4,58,12,872
cGo hfgsf/L Mk|d'v Joj:yfkgsf sd{rf/Ln] a}+ssf] sfo{sf/L ;ldltsf] ;b:ox?nfO{ hgfFp5 . k|d'v Joj:yfkgsf sd{rf/LnfO{ lgDglnlvt ;'ljwfx? Kf|bfg ul/Psf] 5 M
s_ a}+ssf] sd{rf/L ;]jf zt{ ty ;'ljwf ;DaGwL ljlgdodfjnL cg';f/ k|fKt ug]{ ;'ljwfx? .v_ af]g; P]g cg';f/ k|fKt ug]{ af]g; .u_ a}+ssf] sd{rf/L ;]jf zt{ tyf ;'ljwf ;DaGwL ljlgdodfjnL cg';f/ k|fKt ug]{ ;jf/L ;fwg eQf .
k|d'v Joj:yfkgsf sd{rf/Lx?df lgDg kbflwsf/Lx? ;dfj]z x'g'x'G5 .
>L pk]Gb| kf}8]n L pk]Gb| kf}8]n – k|d'v sfo{sf/L clws[t k|d'v sfo{sf/L clws[t>L ;'lgn s]=;L= – gfoj k|d'v sfo{sf/L clws[t>L ;'lgn s]=;L= – gfoj k|d'v sfo{sf/L clws[t>L k|bLk k|wfg – k|d'v ;"rgf clws[t>L k|bLk k|wfg – k|d'v ;"rgf clws[t>L ljho lu/L – k|d'v, tflnd tyf ;]jf k|efjsf/Ltf lgl/If0f >L ljho lu/L – k|d'v, tflnd tyf ;]jf k|efjsf/Ltf lgl/If0f >L zjgd lnDa' hf]zL – k|d'v, dfgj ;+zfwg tyf ;fdfGo k|zf;g>L zjgd lnDa' hf]zL – k|d'v, dfgj ;+zfwg tyf ;fdfGo k|zf;g>L ;/b t]lu t'nfw/ – k|d'v hf]lvd clws[t>L ;/b t]lu t'nfw/ – k|d'v hf]lvd clws[t
>L k|df]b s'df/ bfxfn – k|d'v, cg'kfng tyf sDkgL ;lrj>L k|df]b s'df/ bfxfn – k|d'v, cg'kfng tyf sDkgL ;lrj
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
a}+ssf] ;+rfnns ;ldltnfO{ a}7s eQf afkt ?= !(,($,)))÷– k|bfg ul/Psf] 5 . kf}if $, @)&) df a}+ssf] !*cf} jflif{s ;fwf/0f ;efsf] l:js[tL adf]lhd ut jif{b]lv ;+rfns ;ldltsf] ;b:ox?nfO{ 6]lnkmf]g, klqsf / df]afOn vr{sf] nfuL dfl;s eQf ?= *,)))÷– k|bfg ul/Psf] 5 . o; cf= j= df ;+rfns ;ldltsf] ;b:ox?nfO{ dfl;s eQf k|bfg ul/Psf] hDdf /sd ?= *,@$,)))÷– /x]sf] 5 .
@@= lx;fa ldnfg cj:yf a}+ssf] cGo zfvf gePsf] tyf cGt/ a}+s lx;fa ldnfg lgDgfg'zf/ /x]sf] 5 M
/sd -?=_
ljj/0fljj/0f ! jif{ ! jif{ ! jif{ ! jif{ # jif{ # jif{ # jif{ # jif{ hDDff /sd -?=_hDDff /sd -?=_
Ph]G;L lx;fa @%,*),!^,$)^÷– #,$^,(),&^#÷– *@,)$,)%*÷– #),)(,!!,@@&÷–
cGt/ zfvf — — — —
@#= shf{ k|jfx, c;"nL tyf ckn]vgsf] ;f/f+za}+sn] jif{el/df ljt/0f, c;"nL / ckn]vg ul/Psf] shf{sf] ljj/0f lgDgfg'zf/ /x]sf] 5 M /sd -?=_
z'?sf] df}Hbftz'?sf] df}Hbft shf{ ljt/0fshf{ ljt/0f shf{ c;"nLshf{ c;"nL shf{ ckn]vgshf{ ckn]vg clGtd df}HbftclGtd df}Hbft
27,66,02,82,490÷– 2,24,06,80,63,268÷– 1,97,25,44,14,742÷– 1,45,20,031÷– 54,45,94,10,985÷–
@$= lgIf]k bfloTjdf ePsf kl/jt{gsf] ljj/0flgIf]k bfloTjdf ePsf kl/jt{gsf] ljj/0f lgDgfg'zf/ /x]sf] 5 M
/sd-?=_
lj/j0flj/j0f cf=j= @)&@÷@)&#cf=j= @)&@÷@)&# cf=j= @)&!÷@)&@cf=j= @)&!÷@)&@ a[[l4÷-sdL_a[[l4÷-sdL_
jrt lgIf]k 1,86,187,25,873÷– 7,82,77,79,637÷– 10,79,09,46,236÷–
d'2lt lgIf]k 26,97,51,43,670÷– 11,19,62,30,671÷– 15,77,89,12,999÷–
dfu]sf] jvtdf ltg'kg]{ lx;fa 14,45,75,19,784÷– 14,35,47,54,097÷– 10,27,65,687÷–
rNtL lx;fa 2,66,97,61,217÷– 1,45,76,15,709÷– 1,21,21,45,508÷–
dflh{g lgIf]k 2,06,03,13,078÷– 1,88,65,37,540÷– 1,737,75,538÷–
hDdfhDdf 64,78,14,63,622÷– 64,78,14,63,622÷– 36,72,29,17,654÷– 36,72,29,17,654÷– 28,05,85,45,968÷– 28,05,85,45,968÷–
@%= lgIf]k / shf{sf] efl/t cf};t Jofh b/sf] cGt/
ljj/0fljj/0f k|ltztk|ltztshf{sf] cf};t Jofh b/ *=#)lgIf]ksf] cf};t Jofh b/ #=((cGt/ $=#!
@^= Aofhsf] kF"hLs/0fg]kfn /fi6« a}+sn] /fli6|o k|fylds If]q cGtu{tsf] shf{ eg]/ l:js[t u/]sf] P3f/j6f kl/of]hgfnfO{ k|jfx ul/Psf] shf{ tyf ;fk6df kfs]sf] AofhnfO{ k'Flhs[t ul/ ?= !%,*^,)@,(@*÷– o; cf= j= df Aofh cfDbfgL hgfO{Psf] 5 .
e"sDk÷gfsfaGbL lkl8tsf] /fxtsf] nflu g]kfn /fi6« a}+sn] ldlt @)&@÷)(÷#) hf/L u/]sf] lgb{]zg cg';f/ ?=$,)(,@%,$(*÷– a/fa/sf] /sd kF"hLs/0f ul/Psf] 5 . g]kfn /fi6« a}+ssf] lgb{]zgnfO{ kfngf u/L ;f]xL a/fa/sf] /sdnfO{ k"FhL ;dfof]hg sf]ifdf o; jif{sf] gfkmfaf6 af8Fkmf8F u/L ;fl/Psf] 5 .
qm=;=qm=;= ljj/0fljj/0f Aofhsf] kF"hLs/0f /sdAofhsf] kF"hLs/0f /sd
! cf=j= @)&@÷&# hDdf Aofhsf] kF"hLs/0f 15,86,02,928÷–
@ Aofhsf] kF"hLs/0f e"sDk÷gfsfaGbL lkl8t 4,09,25,498÷–
# k"FhL ;dfof]hg sf]ifdf ;fl/Psf] 4,09,25,498 ÷–
105105
@&= ;6lx 36a9 cfDbfgLa}+sn] ?= !^,)@,^*,^&#÷– ;6lx 36a9 cfDbfgL sdfPsf] 5 h;dWo] ?= &,*@,%(,^))÷– cfDbfgL gg\ 8]lne/]an kmjf{8{ s/f/sf] sf/f]jf/af6 pTkGg ul/Psf] xf] .
@*= ;xfos sDkgLdf nufgLa}+sn] ?= !) s/f]8sf] nufgLaf6 PgPdla Soflk6n lnld6]8 gfds ;xfos sDkgLdf k"0f{ :jfldTj wf/0f u/]sf] 5 . ;xfos sDkgLn] lwtf] af]8{af6 Ohfht kq k|fKt ul/ !& ;]K6]Da/ @)!) af6 Jofkfl/s ;+rfng z'? u/]sf] xf] . o; nufgLnfO{ g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd æljqmLsf] nflu pknAwÆ ;d'xdf juL{s/0f ul/Psf] 5 .
a}+ssf] csf]{ ;xfos sDkgL PgPdla dfOqmf]kmfOgf; ljQLo ;+:yf lnld6]8df %!∞ z]o/ :jfldTj /x]sf] 5 . a}+ssf] ;f] sDkgLdf
?= @=)$ s/f]8sf] nufgL /x]sf] 5 . o; ;xfos sDkgL ;~rfng ug{ sDkgLn] g]kfn /fi6« a}+saf6 æ3Æ ju{sf] ljlQo ;+:yfsf] Ohfht kq k|fKt ul/ !$ dfr{ @)!$ af6 x]Dhf, sf:sL, g]kfndf cfkm\gf] Jofkfl/s ;+rfng z'? u/]sf] xf] . o; nufgLnfO{ g]kfn /fi6« a}+ssf]
lgb]{zg adf]lhd æljqmLsf] nflu pknAwÆ ;d'xdf juL{s/0f ul/Psf] 5 .
@(= shf{ tyf ;fk6df Aofh d'NtjLjf;nftsf] ldltdf shf{ tyf ;fk6df kfs]sf] t/ k|fKt gePsf] Aofh /sd Aofh d'NtjL vftfdf ;fl/Psf] 5 / cg';'rL $=!^ df k|s6g ul/Psf] 5 . g]kfn /fi6« a}+ssf] lgb]{zg / kl/kqn] a}+s tyf ljlQo ;+:yfx?nfO{ cfly{s jif{sf] cGtdf kfs]sf] t/ k|fKt gePsf] Aofh cfly{s jif{ ;dfKt ePsf] tLg dlxgfleq c;'n ePdf Aofh cfDbfgL afFWg cg'dlt lbPsf] 5 . a}+sn] tL Aofh d'NtjL /sdnfO{ Aofh cfDbfgL hgfPsf] 5}g .
PgPdla a}+s lnld6]8 jflif{s k|ltj]bg – @)&@÷&#
#)= e'QmfgL cjlwsf] cfwf/df ;DklQ bfloTjsf] juL{s/0f M c+s bz nfv ?k}ofFdf
ljj/0fljj/0f! b]lv! b]lv (! b]lv(! b]lv !*! b]lv!*! b]lv @&! lbg@&! lbg ! jif{! jif{
hDdfhDdf() lbg() lbg !*) lbg!*) lbg @&) lbg@&) lbg b]lv ! jif{b]lv ! jif{ dflydfly
s_ ;DklQs_ ;DklQ
! gub df}Hbft 1,491.15 – – – – 1,491.15
@ a}+s df}Hbft 9,247.21 – – – – 9,247.21
# ljb]zL a}+sdf ul/Psf] nufgL 1,074.20 430.07 53.68 982.25 – 2,540.20
$ sn dgL – – – – – –
% >L g]kfn ;/sf/sf] C0fkq 534.38 198.09 147.77 – 3,521.29 4,401.52
^ g]kfn /fi6« a}+ssf] a08;\ – – – – – –
& cGt/ a}+s shf{ 1,301.63 – – – – 1,301.63
* shf{ ;fk6 tyf lan vl/b 15,017.40 8,611.47 5,017.23 2,133.58 23,679.74 54,459.41
( Kffpg' kg]{ Aofh 40.93 – – – – 40.93
!) l/e{; l/kf] – – – – – –
!! k|ltj4tf cGt{ut cGo ;+:yfx?af6 k|fKt x'g] – – – – – –
!@ qm=;+= @), @! / @@ sf ;'ljwfx?sf] e'QmfgL – – – – – –
!# cGo – – – – – –
s'n ;DklQ 28,706.89 9,239.63 5,218.67 3,115.83 27,201.03 73,482.05
v_ bfloTjv_ bfloTj
!$ rNtL lgIf]k 4,730.07 – – – – 4,730.07
!% art lgIf]k-dfu]sf] jvtdf kfO{g] lgIf]k ;lxt_ 15,620.78 465.47 698.62 5.47 15,825.92 33,076.25
!^ d'2tL lgIf]k 7,356.60 3,438.69 3,265.99 10,518.49 2,395.37 26,975.14
!& C0fkqx? – – – – 500.00 500.00
!* ;fk6L – 1,377.30 – – 110.69 1,487.99
!( Dffu÷cNk ;"rgf – – – – – –
@) cGt/ a}+s÷ljlQo ;+:yf – – – – 110.69 110.69
@! k'g/ shf{ – 1,377.30 – – – 1,377.30
@@ cGo – – – – – –
@# cGo bfloTj tyf Joj:yfx? 252.03 – – – 58.11 310.14
@$ ;08«L s|l86;{ 13.98 – – – – 13.98
@% E'fQmfgL lbg' kg]{ aLn 23.86 – – – – 23.86
@^ e'QmfgL lbg' kg]{ Aofh 195.42 – – – – 195.42
@& Joj:yfx? 18.77 – – – 58.11 76.87
@* cGo – – – – – –
@( k|ltj4tf cGt{ut cGo ;+:yfx?nfO{ lbg'kg]{ 603.43 37.38 – – – 640.81
#) pkef]u eO{g;s]sf] :jLs[lt ;'ljwfx? 2,760.26 – – – – 2,760.26
#! k|lttkq÷hdfgt -v"b_ 10,843.46 2,793.20 472.90 1,914.03 5,685.67 21,709.26
#@ l/kf] – – – – – –
## qmd ;+Vof !! cGt{utsf] ;'ljwf e'QmfgL – – – – – –
#$ cGo – – – – – –
s'n bfloTjs'n bfloTj 42,166.64 42,166.64 8,112.04 8,112.04 4,437.50 4,437.50 12,897.98 12,897.98 24,575.76 24,575.76 92,189.92 92,189.92
v'b ljQLo ;DklQv'b ljQLo ;DklQ -13,459.74_ -13,459.74_ 1,127.59 1,127.59 781.16 781.16 -9,782.16_ -9,782.16_ 2,625.27 2,625.27 -18,707.87_ -18,707.87_
;+lrt v'b ljQLo ;DklQ;+lrt v'b ljQLo ;DklQ -13,459.74_ -13,459.74_ -12,332.15_ -12,332.15_ -11,550.99_ -11,550.99_ -21,333.14_ -21,333.14_ -18,707.87_ -18,707.87_ – –
107107
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