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7 {df dñvw n îr> CONTENTS Page No. g. gymzm 2 Notice 183 {ZînmXZ d {eîq²> Performance Highlights àj{v H$s EH$ PbH$ Performance at a Glance eo aymah$m H$mo AÜ j H$m g Xoe 10 Message from the Chairman to Shareholders 192 eo aymah$m H$mo à~ Y {ZXoeH$ Ed grb Amo H$m g Xoe 12 Message from the Managing Director CEO to Shareholders 195 {ZXoeH$m H$s [anmoq> 15 Directors Report 199 ì mnma {Oå oxmar [anmoq> 55 Business Responsibility Report 242 H $nzr emgz [anmoq> 66 Corporate Governance Report 253 H $nzr emgz [anmoq> na boimnarjh$m H$m à munì VwbZ nì 100 Balance Sheet 290 bm^ d hm{z boim VwbZ nì d bm^ d hm{z boio H$s AZwgy{M m hëdnyu boim Zr{V m boim na {Q>ßn{U m 117 Notes on Accounts 308 ZH$Xr àdmh {ddau 145 Cash Flow Statement 341 ñdv Ì boimnarjh$m H$s [anmoq> 147 Independent Auditors Report 343 ~ogb àh$q>rh$au XñVmdoO 149 Basel Disclosures Document 345 A{dñ aur KQ>ZmAm H$s Pb{H$ m 179 Glimpses of Memorable Events 179 EZB greg $m 383 NECs Form 384 CnpñW{V nmu gh àdoe $m 385 Attendance Slip cum Entry Form 386 àm Šgr $m 387 Proxy Form 388 dm{f H$ gm mý ~ R>H$ {XZm H$ 29 OyZ, 2018 g ~Oo ñwmz wëh$s gw Xa am eoå>r g^mj h, {do m ~ H$, àymz H$m m b, 41/2, E. Or. amos>, ~ Jbyé boim narjh$ AUDITORS H $Vo ogg OJÝZmWZ EÊS> ga~oñdaz H $Vo ogg {ed qoxb EÊS> H $. H $Vo ogg Amo nr ~½bm EÊS> H $. H $Vo ogg àmb g noq> EÊS> H $ 1 ANNUAL GENERAL MEETING Date : 29th June, 2018 Time : a.m. Place : Mulki Sunder Ram Shetty Auditorium, n Or H$ d eo a A VaU EO Q> REGISTRAR. SHARE TRANSFER AGENT _ogg qbhÿ BZQmB_ B [S m àmbdoq [b[_qos M/s. Link Intime India Private Limited y{zq> : {do m ~ H$ Unit: Vijaya Bank gr-101, 247 nmh $, Eb~rEg mj, {dh«$mobr, doñq>, wå~b 83, Mumbai Xÿa^mf / : $Šg/FaX: B - ob/ do~gmb Q/> [do`m ~ HŸ VIJAYA BANK (^mav gah$ma H$m CnH«$ A Government of India Undertaking) àymz HŸm`m b` 41/2, E_.Or.amoS, ~o Jbyé Bengaluru Ÿ Xÿa^mf Phone : (20 bmb Ýg lines) \ ŸŠg Phone : do~gmb Q

8 dm{f H$ [anmoq> {do m ~ H$ àymz H$m m b : ~ Jbyê$ gymzm h Zmo{Q>g {X m OmVm h {H$ {do m ~ H$ (eo a d ~ R>H$) {d{z mdbr, 2008 Ho$ {Z 56 Ho$ A VJ V {do m ~ H$ Ho$ eo aymah$m H$s gìhdt dm{f H$ gm mý ~ R>H$, ewh«$dma, 29 OyZ, 2018 H$mo gw~h ~Oo wëh$s gw Xa am eoå>r g^mj h, {do m ~ H$, àymz H$m m b, ~ Jbyê$ Am mo{ov H$s OmEJr {Og ZrMo C{ëbpIV H$mamo~ma {H$ m OmEJm : gm mý H$mamo~ma X g.1 : 31 mm 2018 VH$ Ho$ boimnar{jv ~ H$ Ho$ VwbZ-nÌ, Cg {XZm H$ H$mo g mßv df Ho$ {be ~ H$ H$m bm^ d hm{z boim Ed boim go g ~ {YV Ad{Y Ho$ {be ~ H$ Ho$ H$m H$mO Am a J{V{d{Y m na {ZXoeH$ S>b H$s [anmoq> na {dmma-{d e H$aZm, AZw mo{xv H$aZm VWm A JrH$ma H$aZm. X g.2 : {dîmr df Ho$ {be ~ H$ Ho$ eo am na bm^m e H$s KmofUm. ñwmz : ~ Jbyê$ {XZm H$ : àm Šgr H$s {Z w{³v : {ZXoeH$ S>b Ho$ AmXoe go H $Vo {do m ~ H$ h/- (Ama E e H$a Zmam UZ) à~ Y {ZXoeH$ Ed grb Amo ~ R>H$ ^mj boh$a dmoq> XoZo Ho$ hh$xma eo aymah$, IwX Ho$ ~Om ~ R>H$ ^mj boh$a dmoq> XoZo Ho$ {be {H$gr àm Šgr H$mo {Z w³v H$aZo H$m ^r hh$xma h Am a Eogo àm Šgr H$mo ~ H$ Ho$ eo aymah$ hmozo H$s μoê$av Zht h. VWm{n, Eogo àm Šgr H$mo ~ R>H$ ~mobzo H$m A{YH$ma Zht h. {do m ~ H$ Ho$ {H$gr A{YH$mar m H$ Mmar H$mo àm Šgr Ho$ ê$n {Z w³v Zht {H$ m Om gh$vm. àm Šgr $m V^r à^mdr hmojm O~ Cgo dm{f H$ gm mý ~ R>H$ H$s VmarI go H$ go H$ 4 {XZ nhbo AWm V em 5.00 ~Oo ewh«$dma, 22 OyZ, 2018 H$mo m Cggo nhbo mzr g mnz K Q>m VH$ m Cggo nyd ~ H$ Ho$ àymz H$m m b H $nzr g{md, {do m ~ H$, S>b g{mdmb, 41/2, E.Or. amos>, ~ Jbyê$ H$mo O m/àñvwv {H$ m J m hmo. 2. àm{yh $V à{v{z{y H$s {Z w{³v : H$moB ^r ì {³V, {H$gr Eogr H $nzr m H $nzr {ZH$m, Omo ~ H$ H$m eo aymah$ hmo, Ho$ {d{ydv àm{yh $V à{v{z{y Ho$ ê$n ~ R>H$ ^mj bozo m dmoq> XoZo H$m V~ VH$ hh$xma Zht hmojm O~ VH$ {H$ {d{ydv àm{yh $V à{v{z{y Ho$ ê$n CgH$s {Z w{³v H$aVo hþe g H$ën H$s Eogr à{v{b{n {Ogo Cg ~ R>H$ Ho$ AÜ j Zo, {Og Cgo nm[av {H$ m J m hmo, gë à{v{b{n Ho$ ê$n à m{uv {H$ m hmo, ~ R>H$ H$s VmarI go H$ go H$ 4 {XZ nhbo AWm V em 5.00 ~Oo ewh«$dma, 22 OyZ, 2018 H$mo m Cggo nhbo mzr g mnz K Q>m VH$ m Cggo nyd ~ H$ Ho$ àymz H$m m b H $nzr g{md, {do m ~ H$, S>b g{mdmb, 41/2, E.Or. amos>, ~ Jbyê$ H$mo O m/àñvwv H$s J r hmo. 3. CnpñW{V nmu-gh-àdoe nmu : eo a YmaH$m H$s gw{dym Ho$ {be Bg Zmo{Q>g Ho$ gmw CnpñW{V nmu-gh-àdoe nmu g b¾ H$s J r h. eo a YmaH$m /àm Šgr YmaH$m /àm{yh $V à{v{z{y m go AZwamoY h {H$ do g b¾ nmu ^a Am a Cg {Z{X îq> ñwmz AnZo hñvmja H$a Cgo ~ R>H$ Ho$ ñwmz Aä {n V H$a. eo a YmaH$m Ho$ àm Šgr/àm{YH $V à{v{z{y H$mo Mm{hE {H$ dh CnpñW{V-gh-àdoe nmu na h CëboI H$a {H$ dh "àm Šgr' h m "àm{yh $V à{v{z{y' Omo ^r m bm hmo. 4. gxñ m Ho$ a{oñq>a H$m ~ X hmozm : AR>mahdt dm{f H$ gm mý ~ R>H$ Ho$ g ~ Y Am a eo aymah$m H$mo A {V bm^m e nmzo Ho$ {be hh$xma ~ZmZo Ho$ {be {do m ~ H$ (eo am Am a ~ R>H$) {d{z 2003 Ho$ I S> 12 Ho$ AZwgaU, gxñ m Ho$ a{oñq>a Am a ~ H$ eo a Am VaU ~{h m ewh«$dma 22 OyZ, 2018 go ewh«$dma 29 OyZ 2018 (XmoZm {XZ em{ b) VH$ ~ X ah Jr. 5. Vm{YH$ma : A{Y{Z H$s Ymam 3 H$s Cn-Ymam (2B ) Ho$ àmdymzm Ho$ AZwgma H $Ð gah$ma Ho$ Abmdm ~ H$ H$m H$moB ^r eo aymah$ ~ H$ Ho$ g^r eo aymah$m Ho$ Hw$b Vm{YH$ma Ho$ Xg à{vev go A{YH$ CgHo$ Ûmam Ym[aV eo am Ho$ g ~ Y Vm{YH$ma hovw nmì Zht hmojm. Cn w ³V Ho$ AYrZ, {d{z Z 68 Ho$ AZwgma àë oh$ eo aymah$ Omo A {V {XZm H$ m{z ewh«$dma, 22 OyZ 2018 H$mo eo aymah$ Ho$ ê$n n OrH $V {H$ m J m h, CgHo$ Ûmam Ym[aV àë oh$ eo a Ho$ {be EH$ V hmojm. {do m ~ H$ (eo a Am a ~ R>H $ g emoyz) {d{z, 2003 Ho$ {d{z 10 Ho$ AZwgma H$moB eo a Xmo m A{YH$ ì {³V m Ho$ Zm m h Vmo a{oñq>a {OgH$m Zm nhbo h, VXmZ Ho$ g ~ Y, CgH$mo EH$ mì eo aymah$ mzm OmEJm. 2

9 m V Z X r n 6. namoj B - VXmZ : BboŠQ >m {ZH$ mü go VXmZ : go~r ({bpñq> J Xm{ Ëd Am a àh$q>rh$au Amdí H$VmE ) {d{z, 2015 Ho$ AZwnmbZ, ~ H$, AnZo gxñ m Ho$ dm{f H$ Am ~ R>H$ BboŠQ >m {ZH$ mü go VXmZ H$aZo H$s gw{dym àxmz H$aVm h VWm amîq >r à{v^y{vh$au {ZjonmJma {b{ Q>oS> Ûmam àxîm B - VXmZ godmam Ho$ O[aE H$mamo~ma {H$ m Om gh$vm h VWm Z ezb {gš mo[aq>ro {S>nmo{OQ>ar {b{ Q>oS> (EZEgS>rEb) Ûmam ì mnma Ûmam àxmz H$s OmZo dmbr B -dmoqq>j godmam Ho$ mü go bozxoz {H$ m Om gh$vm h. [a moq> B -dmoqq>j Ad{Y ( Jbdma) ~Oo go ewê$ hmovr h Am a (Jwédma) 5.00 ~Oo g mßv hmovr h. eo aymah$m / bm^mwu m{bh$m Ho$ B -dmoqq>j A{YH$mam H$mo 22 OyZ 2018 (ewh«$dma) H$mo CZHo$ Ûmam Ym[aV B p³dq>r eo am na mzm OmEJm, Omo Bg CÔoí Ho$ {be A {V Vm[aI h. A {V VmarI VH$ ^m {VH$ m {S> Q>o[a bmbás> ê$n eo a YmaU H$aZo dmbo ~ H$ Ho$ eo aymah$ BboŠQ >m {ZH$ ê$n go AnZm VXmZ H$a gh$vo h. EZEgS>rEb B - VXmZ àumbr na BboŠQ >m {ZH$ ê$n go VXmZ ""Xmo MaUm '' {H$ m OmZm h Omo ZrMo C{ëbpIV h : 4. AmnHo$ yoa AmB S>r {ddau ZrMo {XE JE h : eo a YmaU H$m àh$ma AWm V S>r Q> (EZEgS>rEb m grs>regeb) m ^m {VH$ H$) CZ gxñ m Ho$ {be Omo EZEgS>rEb Ho$ gmw S>r Q> ImVo eo a aivo h I) CZ gxñ m Ho$ {be Omo grs>regeb Ho$ gmw S>r Q> ImVo eo a YmaU H$aVo h MaU 1 : na EZEgS>rEb VXmZ àumbr bm J-BZ H$a. MaU 2 : EZEgS>rEb B -dmoqq>j {gñq> na BboŠQ >m {ZH$ ê$n AnZm VXmZ H$a. MaU 1 Ho$ {ddau ZrMo C{ëbpIV h : 1. EZEgS>rEb H$s B -dmoqq>j do~gmbq> na OmE. ng Zb H $ß yq>a m mo~mbb na yamaeb : Q>mBn H$aHo$ do~ ~«mcoa Imob. 2. B -dmoqq>j {gñq> H$m hmo noo IwbZo Ho$ ~mx, ""bm {JZ'' AmBH$m Z na pšbh$ H$a Omo 'eo aymah$m ' AZw^mJ Ho$ VhV CnbãY h. 3. EH$ ZB ñh«$sz Iwb OmEJr. AmnH$mo ñh«$sz na {XImE JE AZwgma AnZm yμoa AmB S>r, AnZm nmgds> Am a EH$ gë mnz H$moS> XO H$aZm hmojm. d H$pënH$ ê$n go, {X Amn EZEgS>rEb godm mzr AmB S>rB EEg Ho$ {be n OrH $V h Vmo Amn AnZo m OyXm AmB S>rB EEg bm {JZ Ho$ gmw na bm J-BZ H$a gh$vo h. EH$ ~ma O~ Amn AnZo bm J-BZ H«o$S >{e ëg H$m Cn moj H$aZo Ho$ ~mx EZEgS>rEb g{d goo bm J-BZ H$aVo h, Vmo B -dmoqq>j na pšbh$ H$a Am a Amn MaU 2 na AmJo ~ T> gh$vo h mzr BboŠQ >m {ZH$ ê$n go AnZm VXmZ Xo gh$vo h. AmnH$s yoa AmB S>r h 8 H $aošq>a S>rnr AmB S>r Ho$ ~mx 8 {S>{OQ> ŠbmB Q> AmB S>r CXmhaU Ho$ {be {X AmnH$m S>rnr AmB S>r IN300** h Am a J«mhH$ AmB S>r 12 ****** h Vmo AmnH$s yoa AmB S>r IN300 *** 12****** h 16 A H$ bm^mwu AmB S>r CXmhaU Ho$ {be {X AmnH$s bm^mwu AmB S>r 12************** h Vmo AmnH$s yoa AmB S>r 12************** h J) ^m {VH$ ê$n eo a YmaU H$aZo dmbo gxñ m Ho$ {be B drez Z ~a Ho$ ~mx H $nzr Ho$ gmw n OrH $V $mo{b mo Z ~a 5. AmnH$m nmgds> {ddau ZrMo {X m J m h : H$. {X Amn nhbo hr B -dmoqq>j Ho$ {be n OrH $V h, Vmo Amn bm {JZ H$aZo Am a AnZm dmoq> S>mbZo Ho$ {be AnZo m OyXm nmgds> H$m Cn moj H$a gh$vo h. I. {X Amn EZEgS>rEb B -dmoqq>j {gñq> H$m nhbr ~ma Cn moj H$a aho h, Vmo AmnH$mo "àma {^H$ nmgds> ' nwzàm ßV CXmhaU Ho$ {be {X $mo{b mo Z ~a 00*** h Am a EVEN h Vmo yoa AmB S>r *** h H$aZm hmojm Omo AmnH$mo gy{mv {H$ m J m Wm. EH$ ~ma O~ Amn AnZm 'àma {^H$ nmgds> ' nwzàm ßV H$a b Jo, Vmo AmnH$mo 'àma {^H$ nmgds> ' XO H$aZm hmojm Am a {gñq> AmnH$mo AnZm nmgds> ~XbZo Ho$ {be O~ya H$aoJm. J. AnZm 'àma {^H$ nmgds> ' H $go àmßv H$a? 3

10 dm{f H$ [anmoq> {X AmnH$s B ob AmB S>r AmnHo$ S>r Q> ImVo m H $nzr Ho$ gmw n OrH $V h, Vmo AmnHo$ B ob AmB S>r na AmnH$m "àma {^H$ nmgds> ' AmnH$mo gy{mv {H$ m OmVm h. AnZo ob~m Šg go EZEgS>rEb go AmnH$mo ^ooo JE B ob H$m nvm bjme. B ob Imob Am a g b¾h$ AWm V nrs>re $ μ $mbb Imob. nrs>re $ EZEgS>rEb ImVo Ho$ {be μ $mbb ImobZo H$m nmgds> AmnH$s 8 A H$m H$m ŠbmB Q> AmB S>r h, ^m {VH$ ê$n Ym[aV eo am Ho$ {be grs>regeb ImVo Ho$ {be ŠbmB Q> AmB S>r Ho$ A {V 8 A H$ $mo{b mo Z ~a h. nrs>re $ μ $mbb AmnH$m " yoa AmB S>r' Am a AmnH$m "àma {^H$ nmgds> ' hmovm h. {X AmnH$s B ob AmB S>r n OrH $V Zht h, Vmo AmnHo$ S>mH$ nvo na AmnH$m "àma {^H$ nmgds> ' AmnH$mo gy{mv {H$ m OmVm h. 6. AnZm nmgds> XO H$aZo Ho$ ~mx, MoH$ ~m Šg na M Z H$aHo$ ""{Z Am a evm]'' go gh V hmozo H$s gh {V X. 7. A~, AmnH$mo ""bm {JZ ~Q>Z'' na pšbh$ H$aZm hmojm. 8. ""bm {JZ'' ~Q>Z na pšbh$ H$aZo Ho$ ~mx, B -dmoqq>j H$m hmo noo Iwb OmEJm. MaU 2 H$m {ddau ZrMo {X m J m h : EZEgS>rEb B -dmoqq>j {gñq> na BboŠQ >m {ZH$ ê$n go AnZm dmoq> H $go S>mbm OmE? 1. MaU 1 go g $b bm {JZ Ho$ ~mx, Amn B -dmoqq>j H$m hmo noo XoI nme Jo. B -dmoqq>j na pšbh$ H$a. { $a, g{h«$ VXmZ MH«$ na pšbh$ H$a. 2. g{h«$ dmoqq>j MH«$m na pšbh$ H$aZo Ho$ ~mx, Amn CZ g^r H $n{z m H$mo ""EVEN'' XoI nme Jo {OZ Amn eo a YmaU H$a aho h Am a {OZHo$ VXmZ MH«$ g{h«$ pñw{v h. 3. H $nzr Ho$ ""EVEN'' H$m M Z H$a {OgHo$ {be Amn AnZm dmoq> S>mbZm MmhVo h. 4. A~ Amn dmoqq>j noo Ho$ IwbZo na B -dmoqq>j Ho$ {be V ma h. 5. Cn w³v {dh$ënm H$m M Z H$aHo$ AnZm dmoq> X mzr gh {V m Agh {V, CZ eo am H$s g» m H$mo gë m{nv / g emo{yv H$a {OZHo$ {be Amn AnZm dmoq> S>mbZm MmhVo h Am a ""g~{ Q> H$a '' na pšbh$ H$a Am a g Ho$V { bzo na ""nw{îq> H$a '' na pšbh$ H$a. 6. nw{îq> na, ""g $bvmnyd H$ dmoq>'' g Xoe àx{e V {H$ m OmEJm. 7. Amn nwîq>th$au n ð> na qàq> {dh$ën na pšbh$ H$aHo$ AmnHo$ Ûmam S>mbo JE dmoq>m H$m qàq>amcq> ^r bo gh$vo h. 8. EH$ ~ma O~ Amn g H$ën na AnZo dmoq> H$s nw{îq> H$a b Jo, Vmo AmnH$mo AnZo dmoq> H$mo g emo{yv H$aZo H$s AZw {V Zht Xr OmEJr. eo aymah$m Ho$ {be gm mý {Xem{ZX}e 1. g ñwmjv eo aymah$m ( mzr ì {³V m, EM ye $, EZAmaAmB BË m{x Ho$ Abmdm) Ho$ g ~ Y A{YH $V hñvmjar Ho$ à m{uv Z yzm hñvmja Ho$ gmw g ~ {YV ~mos> g H$ën / àm{yh$au nì Am{X H$s ñh $Z H$s JB à{v{b{n (nrs>re $ / OonrOr àmê$n) evoting@ na B - ob Ûmam ñh«y$q>rzmbμoa H$mo ^oozo H$s Amdí H$Vm h. 2. h {g $m[ae H$s OmVr h {H$ Amn AnZm nmgds> {H$gr AÝ ì {³V Ho$ gmw gmpm Z H$a Am a AnZm nmgds> JmonZr aizo Ho$ {be AË {YH$ Ü mz X. B -dmoqq>j do~gmbq> na bm JBZ nmgds> Ho$ nm M Ag $b à mgm na Aj H$a {X m OmEJm. Eogr pñw{v, AmnH$mo nmgds> argoq> H$aZo Ho$ {be na CnbãY ""Cn mojh$vm OmZH$mar ^yb JE nmgds> '' m ""^m {VH$ Cn mojh$vm nmgds> argoq> H$a '' {dh$ën go JwOaZm hmojm. 3. {H$gr ^r àý Ho$ m bo, Amn eo aymah$m Ho$ {be AŠga nyn>o OmZo dmbo àý (E $EŠ y) Omo Ho$ S>mCZbmoS> AZw^mJ CnbãY eo aymah$m Ho$ {be B -dmoqq>j Cn mojh$vm nwpñvh$m H$mo nt> gh$vo h m Q>mob «$s Z ~a na H$m b H$a gh$vo h m na EH$ AZwamoY ^oo gh$vo h. 4. gxñ m Ho$ VXmZ A{YH$ma 22 OyZ, 2018 H$s A {V VmarI Ho$ ê$n H $nzr H$s àxîm B p³dq>r eo a ny Or Ho$ AnZo eo am Ho$ AZwnmV hm Jo. 5. Zmo{Q>g ^oozo Ho$ ~mx {X H$moB ì {³V H $nzr Ho$ eo a àmßv H$aVm h Am a ~ H$ H$m gxñ ~ZVm h Am a A {V VmarI mzr 22 OyZ, 2018 VH$ eo a YmaU H$aVm h, Vmo AWdm H$mo AZwamoY ^ooh$a bm {JZ AmB S>r d nmgds> àmßv H$a gh$vm h. hmbm {H$, AJa Amn nhbo go hr EZEgS>rEb Ho$ gmw namoj B dmoqq>j Ho$ {be n OrH $V h Vmo Amn AnZm dmoq> S>mbZo Ho$ {be AnZo m OyXm yoa AmB S>r Am a nmgds> H$m Cn moj H$a gh$vo h. AJa Amn AnZm nmgds> ^yb JE h, Vmo Amn na CnbãY ""Cn mojh$vm nmgds> ^yb JE h?'' m ""^m {VH$ Cn mojh$vm argoq> nmgds>?'' {dh$ën H$m Cn moj H$aHo$ AnZm nmgds> argoq> H$a gh$vo h m {ZåZ{bpIV Q>mob «$s Z ~a na EZEgS>rEb go g nh $ H$a gh$vo h. 4

11 m V X J I m r E m a 6. [a moq> B -dmoqq>j Ho$ mü go dmoq> XoZo H$m A{YH$ma BñVo mb H$aZo Ho$ ~mx ^r EH$ gxñ EOrE ^mj bo gh$vm h bo{h$z dm{f H$ gm mý ~ R>H$ { $a go VXmZ H$aZo H$s AZw {V Zht Xr OmEJr. 7. Wm A {V VmarI H$mo {X {H$gr ì {³V H$m Zm gxñ m H$s n Or XO h m S>onm{gQ>arg Ûmam AZwa{jV {hvymah$ ñdm r H$s n Or XO h Vmo [a moq> B - VXmZ Ho$ gmw-gmw dm{f H$ gm mý ~ R>H$ Q> ~ VXmZ Ho$ O[aE AnZm VXmZ Xo gh$vm h. 8. H $nzr Ho$ gxñ m H$mo VXmZ VWm namoj B - VXmZ H$mo {Zînj VWm nmaxeu VarHo$ go Om M H$aZo H$s gw{dym àxmz H$aZo Ho$ {be ogg Eg.EZ.AZ Vgw~«{U Z E S> H $nzr H$mo ñh«y${q>zmbμoa Ho$ ê$n {Z w³v {H$ m J m h. 9. AÜ j, EOrE, {OZ àñvmdm na VXmZ {H$ m OmZm h, CZHo$ ~mao MMm Ho$ A V, g^r Ho$ {be ""Q> ~ dmoqq>j'' Ho$ Cn moj go Om MH$Vm H$s ghm Vm go VXmZ H$s AZw {V X Jo. CZ gxñ Omo EOrE m OyX h bo{h$z [a moq> B -dmoqq>j gw{dym H$m bm^ CR>mH$a AnZo dmoq> Zht S>mbm h. 10. AÜ j m CgHo$ Ûmam A{YH $V ì {³V Ûmam n[aum Kmo{fV H$aZo Ho$ Vwa V ~mx ñh«y$q>rzmbμoa H$s [anmoq> Ho$ gmw n[aum H$s do~gmbq> na Am a EZEgS>rEb H$s do~gmbq> na aim OmEJm. n[aum Vwa V ñq>m H$ EŠgM Om H$mo ^oo {XE OmE Jo. 7. bm^m e H$m ^wjvmz S>b H$s {g $m[ae Ho$ AZwgma VWm dm{f H$ gm mý ~ R>H$ Kmo{fV bm^m e, KmofUm Ho$ 30 {XZm Ho$ A Xa CZ g^r H$mo bm^m e AXm {H$ m OmEJm Omo ~ H$ Ho$ gxñ m Ho$ a{oñq>a n OrH $V h : H$) A yv ê$n aio JE eo am Ho$ g ~ Y 22 OyZ, 2018 H$mo H$mamo~ma K Q>m H$s g m{ßv na amîq >r {gš mo[aq>ro {S>nm {OQ>ar {b{ Q>oS> (EZEgS>rEb) VWm g Q >b {S>nm {OQ>ar g{d goo (B {S> m) {b{ Q>oS> (grs>regeb) àñvwv H$s J r gymr Ho$ AZwgma {hvh$mar m{bh$ h. I) eo aymah$, {OZHo$ Zm Wm ewh«$dma, 22 OyZ 2018 H$mo ~ H$ Ho$ gxñ m Ho$ a{oñq>a n OrH $V h. Eogo eo aymah$m H$mo bm^m e dma Q> B greg m ~ H$ Ûmam AZw mo{xv AÝ BboŠQ >m {ZH$ mü Ho$ μo[ae eo a A VaU EO Q> AWm V ogg qbh$ BZQ>mB B {S> m àmbdoq> {b{ Q>oS>, w ~B Ho$ mü go KmofUm Ho$ 30 {XZm Ho$ A Xa AWm V 29 OwbmB, 2018 Ho$ A Xa ^oom/o m {H$ m OmEJm. 8. {S>{dS >S> dma Q> / BboŠQ >m {ZH$ g memoyz godm (F$U g memoyz) ~ H$ ImVm H$m {ddau - (EZB greg) : ^mavr [aod ~ H$ Ho$ A{YgyMZm Ho$ AZwgma 1 Aºy$~a 2009, B greg Ho$ mü go n go H$m àofu amîq >r BboŠQ >m {ZH$ g memoyz godm (EZB greg) Ûmam à{vñwm{nv {H$ m J m h. EZB greg H$moa ~ qh$j g mymz (gr~reg) Ho$ H$m m Ýd Z Ho$ ~mx ~ H$m Ûmam Amd {Q>V ZE Am a A{ÛVr ~ H$ ImVm g» m na H$m H$aVm h. h gw{dym ^m {VH$ Am a S>r Q> ê$nm eo a aizo dmbo eo aymah$m H$mo Xr OmVr h. ^m {VH$ ê$n eo a aizo dmbo eo aymah$ Ama E S> Q>r EO Q> E / Eg qbh$bzq>mb B {S> m àmbdoq> {b{ Q>oS>, w ~B AnZo ImVm go g ~ {YV MoH$ H$s $moq>mo à{v Ho$ gmw AnZo ~ H$ Ûmam àxmz {H$E JE ImVm g» m H$mo àñvwv H$a gh$vo h. BboŠQ >m {ZH$ ê$nm eo a aizo dmbo eo aymah$m H$mo AnZo ~ H$ ImVm Ho$ {ddau AnZo {S>nmo{OQ>ar à{v^m{j m Ho$ gmw AnS>oQ> H$a Jo. J a gr~reg ~ H$ emimam ~ H$ ImVo dmbo eo aymah$m H$mo EZB greg Ûmam H$da Zht {H$ m OmVm h Am a CÝh ^m {VH$ bm^m e dma Q> Ho$ mü go bm^m e H$m ^wjvmz {H$ m OmEJm. BZ eo aymah$m go AZwamoY h {H$ do AnZo ~ H$ ImVo, ~ H$ H$m Zm Am a emim àñvwv H$a, Ohm do ZH$X Ho$ {be bm^m e dma Q> O m H$aZm MmhVo h. Cn w ³V {ddau g w³v / EH$b eo aymah$ Ûmam àñvwv {H$E OmZo h. EZB greg H$m ànì Bg Zmo{Q>g g b¾ h. 9. Xmdm a{hv bm^m e, {X H$moB hmo Vmo : {nn>br Ad{Y m Ho$ {be {OZ eo aymah$m Zo bm^m e dma Q> àmßv Zht {H$ m h /^wzm m Zht h, AJa H$moB hmo Vmo, go AZwamoY h {H$ ~ H$ Ho$ eo a A VaU EO Q> go g nh $ H$a. KmofUm Ho$ {XZm H$ go 30 {XZm H$s g m{ßv Ho$ ~mx 7 {XZm Ho$ A Xa {X {H$gr eo aymah$ Zo bm^m e ^wzm m/h$m Xmdm Z {H$ m hmo Vmo ~ H$ bm^m e ImVo go Eogr am{e H$m EH$ AbJ ImVo ""... df Ho$ {be {do m ~ H$ H$m AXÎm bm^m e ImVm'' A VaU H$a {X m OmEJm. ~ qh$j H $nzr (CnH«$ m H$m AO Z Ed A VaU) A{Y{Z, 1980 H$s Ymam 10(I) Ho$ AZwgma 7 dfm] VH$ AXÎm m Xmdm a{hv bm^m e H$s am{e H$mo H $nzr A{Y{Z, 2013 H$s Ymam 125 Ho$ AYrZ H $Ð gah$ma Ûmam g ñwm{nv {ZdoeH$ {ejm VWm g aju {Z{Y (AmB B nre $) A V[aV {H$ m OmEJm VWm BgHo$ ~mx ~ H$ m AmB B nre $ go BgH$s AXm Jr H$m Xmdm Zht {H$ m Om gh$vm h. (^mav gah$ma Ho$ {Xem{ZX}em Ho$ AZwgma df Ho$ {be ~ H$ Ho$ nmg pñwv AXÎm/ Xmdm a{hv bm^m e H$mo H$mo AmB B nre $ H$mo ñwmzm V[aV H$a {X m OmEJm. g^r g ~ {YV eo aymah$m H$mo VH$ CZHo$ Xmdo ^oozo Ho$ {be AZwamoY H$aVo hþe AZwñ mah$ nì ^ooo Om aho h. AJa Xmdm Zht {H$ m OmVm h Vmo Bg ImVo ~Mr hþb eof am{e H$mo AmB B nre $ ImVo Am V[aV H$a {X m OmEJm Am a CgHo$ ~mx Cg g ~ Y m OyXm d Ym{ZH$ àmdymzm Ho$ AZwgma H$moB ^r Xmdm eo aymah$m H$mo CnbãY Zht hmojm). 5

12 dm{f H$ [anmoq> eo aymah$m go AZwamoY : 10.1 VwbZ nì H$s à{v m : eo aymah$m H$mo gy{mv {H$ m OmVm h {H$ dm{f H$ [anmoq> H$s à{v m gm mý ~ R>H$ {dv[av Zht H$s OmEJr AV: eo aymah$m go AZwamoY h {H$ dm{f H$ [anmoq> H$s à{v m gmw bme Omo ~ H$ Ûmam CZHo$ n OrH $V nvm na S>mH$ Ûmam ^oor OmVr h eo am H$m A yvuh$au : CZ eo aymah$m go {OZHo$ eo a à munì A~ ^r yv ê$n h, AZwamoY h {H$ AnZo eo am H$m A yvuh$au H$adm b, My {H$ go~r Zo h mao ~ H$ H$m Zm A{Zdm ê$n go A yv ê$n eo am H$m ì mnma H$aZo H$s gymr OmoS>m h nvo n[adv Z A{Ygy{MV H$aZm : eo aymah$m go AZwamoY h {H$ nvo n[adv Z/~ H$ ImVo n[adv Z hmozo na VËH$mb BgH$s gymzm {ZåZ H$mo X : H$) A yv ê$n Ym[aV eo am Ho$ g ~ Y AnZo g ~ {YV {ZjonmJma à{v^mjr. I) yv ê$n Ym[aV eo am Ho$ g ~ Y eo a A VaU EO Q> ogg qbh$ BZQ>mB B {S> m àmbdoq> {b{ Q>oS>, y{zq> : {do m ~ H$, gr-101, 247 nmh $, Eb~rEg amos>,{dh«$mobr (n), w ~B J) ^m {VH$ ê$n go eo a YmaU H$aZo dmbo eo aymah$m go h AZwamoY ^r h {H$ do AnZm B - ob nvm ~ H$/ Ama d Q>r EO Q> Ho$ gmw n OrH $V H$admE/AÚVZ H$admE Vm{H$ ~ H$ g^r gymzm/dm{f H$ [anmoq> Am{X B - obb Ho$ O[aE ào{fv H$a gh $. S>r Q> ê$n eo a YmaU H$aZo dmbo eo aymah$m go AZwamoY h {H$ do AnZo {S>nmo{gQ>ar nm{q >{gnýq> Ho$ gmw B - ob nvm AÚVZ H$admE. h, H $nzr H$m Ìmb Ûmam ewé {H$E JE H $nzr m bm h[av nhb H$mo bmjy H$aZo H$s moozm Ho$ AZwgma h pñw{v n[adv Z H$m A{^boIZ : A{Zdmgr ^mavr eo aymah$m go AZwamoY h {H$ do ~ H$ Ho$ eo a A VaU EO Q> ogg qbh$ BZQ>mB B {S> m àmbdoq> {b{ Q>oS>, w ~B H$mo VËH$mb {ZåZ gymzm X : H$) ñwmb {Zdmg Ho$ {be ^mav bm Q>Vo g {Zdmgr pñw{v n[adv Z. I) ^mav pñwv ~ H$ ImVo Ho$ {ddau O go nyam Zm, emim, ImVo H$m àh$ma VWm ImVo H$s g» m AmB E $Eggr Hy$Q> d E AmB grama Hy$Q> Am a {nz g{hv ~ H$ H$m nvm, AJa nhbo Zht {X m hmo Vmo boim H$s gymzm : ImVm H$s gymzm MmhZodmbo eo aymah$m go AZwamoY h {H$ do ~ H$ H$mo nì {bi, Omo dm{f H$ gm mý ~ R>H$ Ho$ {XZm H$ go H$ go H$ EH$ gßvmh nhbo ~ H$ H$mo nhþ M OmVm h {Oggo à~ YZ gymzm V ma H$aHo$ ai gho$. CÎma Ho$db dm{f H$ gm mý ~ R>H$ hr CnbãY H$am m OmEJm. 11. AÝ gymzm : 11.1 h[av nhb H$m g W Z H$aVo hþe ~ H$ Zo h {ZU {b m h {H$ {OZ eo aymah$m Zo AnZo {S>nm {OQ>ar nm{q >{gn Q>/~ H$ Ho$ a{oñq >ma VWm eo a A VaU A{^H$Vm Ho$ gmw AnZm B - ob AmB S>r n OrH $V {H$ m h, CZH$mo dm{f H$ [anmoq> B - ob Ho$ O[aE ^oor OmEJr eo aymah$ H $n m ZmoQ> H$a {H$ ~ R>H$ Ho$ Xm amz H$moB Cnhma/ Cnhma Hy$nZ {dv[av Zht {H$ m OmEJm. ñwmz : ~ Jbyê$ {XZm H$ : {ZXoeH$ S>b Ho$ AmXoe go H $Vo {do m ~ H$ h/- Ama E e H$a Zmam UZ à~ Y {ZXoeH$ Ed grb Amo 10.4 $mo{b mo H$m g oh$z : eo aymah$ Omo g mz Zm m g w³v Zm na Cgr Zm H«$ AbJ-AbJ $mo{b mo yv ê$n eo a Ym[aV H$aVo h CZgo AZwamoY h {H$ eo a à munì ~ H$ Ho$ eo a A VaU EO Q> ogg qbh$ BZQ>mB àmbdoq> {b{ Q>oS> H$mo ^oo Vm{H$ EH$ hr $mo{b mo Ho$ ê$n g oh$z hmo gho$. 6

13 H$m {ZînmXZ Pb{H$ m± : m Z ì mnma d {Õ ~ H$ H$m Hw$b H$mamo~ma % gwñt> d {Õ A {H$V {H$ m h Am a ` 2,75,965 H$amo S> Ho$ A^r VH$ Ho$ g~go ~ S>o ñva na nhþ±m J m h. gh$b A{J«Wm Ho$ ` H$amo S>> go ~T>H$a Wm H$mo ` H$amo S>> hþam h Am a 22.57% gwñt> d {Õ A {H$V {H$ m h. Hw$b O me± Wm Ho$ ` H$amo S>> go ~T>H$a Wm H$mo ` H$amo S>> hþe h Am a % gwñt> d {Õ A {H$V {H$ m h. ~ H$ Ho$ H$mgm O m 5.33% H$s d {Õ Ho$ gmw ` H$amo S> hþam h. ~MV O m 6.36% gwñ T> d {Õ Ho$ gmw ` H$amo S>> Am a Mmby ImVm O m 1.84 % d {Õ Ho$ gmw ` 8721 H$amo S>> hþam h. IwXam A{J«31 mm 2017 Ho$ ` H$amo S> go 31 mm 2018 VH$ 24.98% à{vev H$s ~ T>moÎmar Ho$ gmw ` H$amo S>> hmo J m h. Hw$b A{J«Ho$ IwXam A{J«H$m à{vev % VH$ d {Õ hþb h. ~ H$ H$m ~ YH$ F$U % H$s gwñt> d {Õ hþb. Amdmg F$U, aëz F$U, dmhz F$U Am a {ejm F$U H«$ e: 30.50%, 21.76% VWm 21.38% Am a 15.5 % H$s gwñt> d {Õ Xa XO {H$ m h. F$U O m AZwnmV H$mo 72.79% go % à{vev H$s ~ T>moVar Ho$ gmw gwyma hþam h. Am Am a bm^àxvm ~ H$ Zo {Zdb bm^ ` 727 H$amo S> XO {H$ m. ~ H$ H$m n[ammbz bm^ ` 2421 H$amo S> go % à{vev ~T>moVar Ho$ gmw ` 3098 H$amo S> hmo J m h. {Zdb ã mo m{o Z 2.77 % go 3.10 % hþam h. AmpñV JwUdÎmm Wm mm 2017 H$mo ~ H$ H$m gh$b EZnrE AZwnmV 6.59 % go Wm mm 2018 H$mo 6.34 % Ho$ gmw gwyma hþam h. Wm mm 2017 H$mo ~ H$ H$m {Zdb EZnrE AZwnmV 4.36 % go Wm mm 2018 H$mo 4.32% Ho$ gmw gwyma hþam h. àmdymz H$daoO AZwnmV % VH$ ~T>moÎmar hþb h. àmw{ H$Vm joì n[ammbz àmw{ H$Vm joì g {d^mj Wm Ho$ ` H$amo S> go {XZm H$ H$mo ~ T>H$a ` H$amo S> ahm Am a df Xa d {Õ Xa % ahm. ~ H$ Zo EEZ~rgr Ho$ 47.70% VH$ g {d^mj H$mo Wm H$mo nhþ±mm H$a àmw{ H$Vm joì Ho$ bú H$mo hm{gb {H$ m h. {dîmr df Ho$ Xm amz ~ H$ Ho$ H ${f F$U % H$s d {Õ Ho$ gmw Wm H$mo ê$ H$amo S>> Ho$ wh$m~bo Wm H$mo ê$ H$amo S>> VH$ nhþ Mm h.( EEZ~rgr H$m %) H$ Omoa dj hovw A{J«` H$amo S>> ahm Omo EEZ~rgr Ho$ 10% Ho$ mzx S> Ho$ à{v 15.87% ahm. {hbm {hvm{yh$m[a m Ho$ {be A{J«Wm mm 2017 Ho$ ` 9501 H$amo S>> Ho$ à{v Wm mm 2018 H$mo 23.04% H$s d {Õ Xa XO H$aHo$ ` H$amo S>> ahm. ~ H$ EEZ~rgr Ho$ 5% Ho$ {ZYm [av bú Ho$ à{v 11.53% hm{gb {H$ m h. {dîmr g mdoez nre OoS>rdmB AmYma grqs>j à{vev Wm mm 2017 H$mo 88 % go Wm mm 2018 H$mo % ahm. Wm mm 2017 H$mo AmYma grqs>j 62% ahm Am a mm 2018 H$mo 82 % Ho$ ê$n gwyma hþam. "{do m {S>{OQ>b Jm d' n[a moozm Ho$ AZwgma ^mav ^a h mao ~ H$ Zo 105 Jm dm H$mo JmoX {b m h. BZ go 101 Jm d dv mz {dîmro df Ho$ Xm amz JmoX {be. {do m {dîmr gmjavm Ý mg Zo 6923 OmJê$H$Vm H$m H«$ MbmE {Og gh^m{j m Zo ^mj {b m Am a bmojm H$mo H$mC {gqbj {H$ m. $adar 2018 Ho$ Xm amz {dîmr g mdoez H$m {deof A{^ mz Mbm m J m. Bg Ho$ Xm amz OZ-YZ ImVo CZ g^r Aàmd[aV bmojm Ho$ {be Imobo JE. gmw nhbo hr Imobo JE ImVm go {ZpîH«$ ImVm H$mo g{h«$ {H$ m h. ê$no H$mS> Omar {H$ m Am a g{h«$ {H$ m VWm AmYma grqs>j Am a g^r n[ammbz ImVm H$mo àm{yh $V {H$ m. 7

14 dm{f H$ [anmoq> ZoeZb BpÝñQ>Q>çyQ> Am $ A S>ìhm ÝñS>> ñq>s>ro ~ Jbyê$ Ho$ mü go ~ H$ Zo EH$ emoy n[a moozm H$m àm mooz {H$ m. {df ahm "H$Zm Q>H$ {dîmr {bivm H$s àh ${V Am a Am nmm[ah$, AZm nmm[ah$ {dîmr Z H$s gr me - AÜ Z'. g^r emimam Am a h S> hoës> erz / mbh«$mo EQ>rE ^r B - Ho$dmB gr g {W V {H$ m J m h. {S>{OQ>b ~ qh$j {do m {S>{OQ>b Jm d "n[a moozm Ho$ AZwgma ^mav ^a h mao ~ H$ Zo 105 Jm dm H$mo JmoX {b m h. BZ go 101 Jm d dv mz {dîmr df Ho$ Xm amz JmoX {be h. lr Aê$U OoQ>br, mzzr {dîm Ìr, ^mav gah$ma Zo Bg {S>{OQ>b Jm d n[a moozm H$s ewê$amv H$s. ~ H$ Zo ^r AmYma {do m no H$s ewê$amv Aà b 2017 {H$ m. h EH$ {S>{OQ>b ^wjvmz ñdrh ${V gmoë yez h Am a Bg ì mnmar AnZo A±S >m BS> $moz Ho$ O[aE Am a q $Ja qàq> ars>a Ho$ O[aE CZ J«mhH$m go {OZHo$ ~ H$ ImVm AmYma qbh$ {H$ m hþam h CZ Ho$ ~m mo o{q >³g Ho$ A{Yà muz go ^wjvmz bo gh$vo h. nmg ~wh$ H$m BboŠQ >m{zh$ nmr> dr B nmg~wh$ go J«mhH$m H$mo AnZo mo~mbb $moz hr nmg~wh$ H$m ai-aimd H$a gh$zo H$s gw{dym { bvm h. A{YH$ gwajm $smam Ho$ gmw Bg nmr> H$m {d momz {H$ m h. dr-no p³dh$ EH$ MmQ>~moQ> AmYm[aV bozxoz gw{dym H$s ewê$amv H$s JB BgHo$ O[aE H$m~, hmoq>b Am{X H$m ~wqh$j H$a gh$vo h. ~r dr mo~mbb ~ qh$j Ho$ O[aE ^mav {~b no H$s ewê$amv H$s JB. BgHo$ O[aE {~b {H$gr ^r g ^wjvmz H$a gh$vo h. ^m[a~ Zo ~ H$ H$mo {~ba AmnaoqQ>J y{zq> Am a J«mhH$ AmnaoqQ>J y{zq> Ho$ ê$n H$m H$aZo Ho$ {be AZw moxz {X m h Am a ~ H$ Zo {~ba Am a EoO Q> H$mo AmZ~moS> bozm ewê$ {H$ m h. ^mav Š y Ama 4.0 ^r {do m ynramb ñwm{nv {H$ m h {Oggo ynramb m H$mS> Ho$ Ho$ O[aE ^wjvmz H$aZo H$s gw{dym J«mhH$m H$mo { bvr h. ^r {do m Š y Ama gmoë yez H$s ewê$amv H$s JB. ~ H$ Zo {d{dy ì mnm[a m Ho$ gmw gmr> Jm R> H$s. {d{dy amá mo pñwv EMnrgrEb H$s AmCQ>boQ> ^wjvmz H$aZo H$s gw{dym àmßv h. dr B H$ZoŠQ> Q>mJb S>o{~Q> H$mS>, H$mS> {Z ÌU gmoë yez H$mo g nh $ {H$ m h. Bggo H$mS> H$m {Z ÌU, AñWmB ê$n go H$mS> H$mo ~ X H$aZm Am a Oê$aV ns>zo na MbmZm, S>o{~Q> H$mS> H$mo hmq> {bñq> H$aZm Am{X H$a gh$vo h. gmoeb r{s> m ~ qh$j mzr o$g~wh$, {Q>dQ>a,qbH$S>-BZ, y Q>çy~ Am a B ñq>m J«m Am{X ~ H$ H$s CnpñW{V go g $bvm àmßv hþb. ny Or-n m ßVVm ~ H$ Zo ~ogb III mzx S>m H$m AZwnmbZ {H$ m h Am a Wm 31 mm 2018 H$mo % Ho$ Ý yzv {d{z m H$ ny Or Ho$ à{v gh$b ny Or n m ßVVm AZwnmV % ({Q> a I-11.71% -{Q> a - II % ) h. ~ H$ Zo ~ogb II mzx S>m H$m ^r AZwnmbZ {H$ m h Am a Wm H$mo g J«ny Or n m ßVVm AZwnmV % ahm h Omo Ý yzv {d{z{x îq> 9% go ^r A{YH$ h. {dîmr df Ho$ Xm amz Ah Vm àmßv g ñwmjv ñwmzz Ho$ O[aE ` 700 H$amo S>> gm mý B p³dq>r Q>m a 1 Ho$ O[aE Am a ` 1277 H$amo S>> ^mav gah$ma H$s ny Or AV àdmh B p³dq>r Q>m a 1 Ho$ O[aE VWm à{vym[av CnmO Z ( {d{z m H$ ny Or Ho$ {be {hgm~ {b m OmEJm) Ho$ A VJ V `$ H$amo S>> ~ H$ Zo OwQ>m {b m. Wm H$mo Ý yzv EbgrAma 90% Ho$ à{v Wm H$mo ~ H$ Ho$ Mb{Z{Y H$daoO AZwnmV (EbgrAma) % ahm Am a ^mavr [aμod ~ H$ Ho$ 4.50% Ho$ gymh$ AZwnmV Ho$ à{v Wm H$mo ~ H$ Ho$ brdaoo AZwnmV 6.26% ahm. 8

15 ~ b m Z ~ V {ZînmXZ H$s EH$ PbH$ (` H$amo S>m ) à wi mzx S> emimam H$s g» m EQ>rE H$s g» m Ama{j{V Am a A{Yeof gh$b bm^ {Zdb bm^ Hw$b O mam{e m d {Õ % H$mgm O mam{e m d {Õ % Hw$b O mam{e m H$m % gh$b F$U d {Õ % Hw$b H$mamo~ma d {Õ % gh$b EZnrE (%) {Zdb EZnrE (%) àmw{ H$Vm joì H$mo A{J« EEZ~rgr Ho$ à{v % Hw$b H$ Mmar à{v H$ Mmar H$mamo~ma à wi AZwnmV (%) O m bmjv A{J«m na Am {Zdb ã mo m{o Z AmpñV m na Am ny Or n m ßVVm AZwnmV % (~ogb III)

16 dm{f H$ [anmoq> eo aymah$m H$mo AÜ j H$m g Xoe {à eo aymah$ {do m ~ H$ Ho$ {ZXoeH$ S>b Am a à~ YZ H$s Amoa go wpo df Ho$ Xm amz ~ H$ H$s àj{v VWm {ZînmXZ H$mo AmnHo$ gj àñvwv H$aVo hþe AË V hf H$m AZw^d hmo ahm h. {nn>bo {dîmr df H$s VwbZm {dîmr df nyao {díd H$m Am{W H$ nwzoudz H$m df ahm. df Ho$ Xm amz, d {ídh$ ~moma J{V nh$s>r h Am a {nn>bo df H$s VwbZm H$f U àmßv {H$ m h. Xþ{Z m ^a Ho$ A{YH$m e Xoem Ho$ Am{W H$ g Ho$VH$m Zo Xoem Ho$ gwyma ~w{z mxr {gõm Vm Ho$ gmw gh$mamë H$ g Ho$V {XIm m h. {díd ~ H$ Ho$ AZwgma, l ~moma g Ho$VH$ Xoem Ho$ EH$ ì mnh$ ñnošq > gwyma Omar aivo h, Am a {nn>bo df H$s VwbZm 2017 Xþ{Z m ^a bj^j Xmo-{VhmB Xoem H$m {dh$mg hþam h. C^aVo ~momam ny Or àdmh ~ T>Vm h {Og gr m nma CYma XoZo Am a {dh${gv Am a {dh$mgerb AW ì dñwm XmoZm O~yV H«o${S>Q> d {Õ em{ b h. yamo joì Am{W H$ J{V{d{Y X²{dVr N>- mhr EH$ R>mog J{V go AmJo ~ T> ahr h, Omo 2017 H$mo EH$ XeH$ go A{YH$ g VH$ joì Ho$ {be A{Z{íMVVm Am a wðm H$s O~yVr go g ^dv Cn^mo³Vm IM Am a H$maImZo H$s J{V{d{Y Yr r J{V go, Mbr. à wi B E B ^r Am{W H$ J{V{d{Y H$m {dñvma Omar ahm MrZ H$s AW ì dñwm 6.9 à{vev H$s d {Õ hþb, Omo {H$ 2016 XO 6.5 à{vev Am a 6.7 à{vev Ho$ Am{YH$m[aH$ bú go D$na Wm. ~«morb, dñvwam H$s CÀM H$s Vm, ~ohva {dîmr Ñ{îQ>H$moU Ho$ H$maU Am{W H$ J{V{d{Y VoOr go ~ T> ahr h. ^mavr AW ì dñwm Zo {dîmr df Am a Ho$ Xm amz gah$ma Ûmam ewê$ {H$E JE {nn>bo Zr{VJV gwymam Ho$ { {lv à{v{h«$ m H$m AZw^d {H$ m. df Ho$ Xm amz 1 OwbmB, 2017 go OrEgQ>r ( mb Am a godm H$a) H$mo bmjy H$aZo go Xoe Eo{Vhm{gH$ Zr{V gwyma XoIZo H$mo { bm. Bg H$a H$mo bmjy H$aZo go H $Ðr Am a amá gah$mam Ûmam bjme JE m OyXm {d{^ýz H$am H$mo à{vñwm{nv H$a {X m h. hmbm {H$ OrEgQ>r Ho$ H$m m Ýd Z Zo ewéamvr MaU gmd O{ZH$m Ho$ ~rm ~ S>o n mzo na Hw$N> ^«Am a O{Q>bVmE CËnÝZ H$s, ~mx Yrao-Yrao ghr amñvo na Am J m. OrEgQ>r Ho$ H$m m Ýd Z Ho$ ~mx {d{z m U Am a ì mnma hmbm {H$ Yr r J{V Xem B, gah$ma Ûmam Cn w³v g emoyzm Ho$ gmw àumbr H$mo gab ~ZmZo Ho$ {be H$s JB nhb Ho$ n[aum ñdê$n Yrao-Yrao gwyma hþam h. df Ho$ Xm amz bmjy H$s JB {d wðrh$au moozm Ûmam CËnÝZ {dkq>z ^r Ho$ Xm amz IË hmo JE h. Xoe H$m gh$b Kaoby CËnmX {V mhr Xa {V mhr VH$ ~ T>Vm Om ahm h. {dîmr df H$s nhbr {V mhr Ho$ Xm amz gh$b Kaoby CËnmX 5.7% Wm Omo Xÿgar {V mhr Ho$ Xm amz 6.5% VH$ ~ T> J m Am a {dîmr df H$s Vrgar {V mhr Ho$ Xm amz 7.2% VH$ gwyma hþam. Ho$ÝÐr gm p» H$s H$m m b (gregamo) Zo Ho$ {be AnZm Xÿgam A{J«AZw mz Omar {H$ m, {Og ^mav Ho$ dmñv{dh$ gh$b Kaoby CËnmX (gh$b Kaoby CËnmX) H$s d {Õ nhbr A{J«AZw mzm 6.5 à{vev go 6.6 à{vev H$s d {Õ hþb. ~ qh$j CÚmoJ Ho$ g ~ Y, df ~ H$m H$s {deof ê$n go gmd O{ZH$ joì Ho$ ~ H$m H$s bm^àxvm Am a g J«d {Õ Ho$ m bo àj{v H$m df Zht ahm. Ohm VH$ ~ qh$j CÚmoJ H$m g ~ Y h, Xoe H$s ñwyb Am{W H$ n[apñw{v m O~yV {dh$mg Ho$ {be ~hþv gm hmx nyu Zht Wt. Bg joì H$ bm^àxvm Ho$ gmw ~ H$ H$s AmpñV JwUdÎmm ^mar {JamdQ> XoIr JB. {dîmr df H$s Vrgar {V mhr Ho$ Xm amz, 21 gmd O{ZH$ joì Ho$ ~ H$m go 16 ~ H$m Zo {Zdb hm{z [anmoq> H$s gymzm Xr h. h w» ê$n go Iam~ F$U Am a ~ H$ H$s A{V[a³V àmdymz Amdí H$VmAm H$mo ~ T>mZo Ho$ H$maU h. ~ H$m H$s AmpñV JwUdÎmm gvv {JamdQ> Am a ~ H$m H$s bm^àxvm {JamdQ> Ho$ H$maU {ZH$m m H$mo Bg wôo H$mo amoh$zo Ho$ {be H$ S>o H$X CR>mZo Ho$ {be O~ya {H$ m h. ~ H$m Ûmam à wi mnx S>m Iam~ àxe Z Ho$ H$maU ^mavr [aod ~ H$ Zo AnZo nrgre T>m Mo Ho$ AYrZ H$B ~ H$m H$mo aim h. ^mav gah$ma Zo ~ H$m H$mo O~yV ~ZmZo H$mamo~mam H$s ghr auzr{v go gwa{jv H$mamo~ma joìm d {Õ Am a F$U XoVo g C{MV Cnm Am a A{YH$ gmdymzr Ho$ H$maU ~ H$ H$ à^mdr hmojm Am a AmYmV gh hmojm. Ho$ {be hëdnyu Zr{VJV H$X CR>mE h. {nn>bo df H$s VwbZm ~ H$ go F$U Ho$ {be Hw$b m J bj^j pñwa ahr. Bg n ð>^y{ {do m ~ H$ Ho$ àxe Z H$m AmH$bZ {dîmr df Ho$ {be {H$ m OmZm Mm{hE. wpo h H$hVo hþe Jd Am a àgýzvm h {H$ dv mz ~ qh$j n[añí, h mao ~ H$ Zo g^r hëdnyu {dîmr mzh$m H$m $s AÀN>m àxe Z {H$ m h. ~ H$ Ho$ {ZXoeH$ S>b Am a erf à~ YZ, Ûmam {H$E JE gh$mamë H$ Cnm Am a joìm{yh$m[a m Ûmam {H$E JE Wm {jv n[al Ho$ H$maU, ~ H$ Zo {dîmr df Ho$ Xm amz AnZo AmnH$mo gwa{jv aim, Xÿga ~ H$m Ûmam gm Zm {H$E OmZodmbo à{vhy$b à^md go. df Ho$ Xm amz ~ H$ Zo ~XbVo ì mnh$ Am{W H$ Am a ~ qh$j n[añí Ho$ AZwê$n H$B auzr{v m± ~ZmB. ~ H$ Zo AmpñV H$s JwUdÎmm Am a IwXam ì mnma I S>m ì mnma Ho$ ñva H$mo ~ T>mZo na Ü mz H ${ÐV {H$ m. ~ H$ Zo ñdàn> {dîmr àmoμ $mbb Ho$ gmw gah$mar ì mnma Am a {ZOr H$m nm}aoq> J«mhH$m H$mo AmH${f V H$aZo Ho$ {be {deof gmdymzr ~avr h. {dîmr df Ho$ Xm amz ~ H$ Zo ` 727 H$amo S> H$m {Zdb bm^ Kmo{fV {H$ m h % H$s d {Õ XO H$aVo ~ H$ H$m n[ammbz bm^ ` 3098 H$amo S> VH$ ~T>m h. df -Xa-df AmYma na 20.07% H$s O~yV ` 275,965 H$amo S> Ho$ CÀMV ñva VH$ nhþ Mm. ~ H$ H$s Hw$b O m Am a A{J«df -Xa-df AmYma na 18.25% Am a 22.57% H$s XmoJwZr A H$m H$s d {Õ {XImB Xr h Omo CÚmoJ Ho$ Am gv go D$na h. ~ H$ H$s IwXam n[ag n{îm ~hr Zo df Ho$ Xm amz EH$ CËH $îq> àxe Z {XIm m. ~ H$ Ho$ ~ YH$ F$U mm 2017 ` 357 H$amo S> go ~ T>H$a mm H$amo S> én o hmo JE, Omo df -Xa-df AmYma na % H$s d {Õ XO H$s J r. df -Xa-df AmYma na ~ H$ H$m Amdmg F$U I S> 30.50% VH$ ~T>m. 10

17 E a V Z s n ^ ^ V s df -Xa-df AmYma na ~ H$ H$m Hw$b IwXam F$U g {d^mj 24.98% ~T>m. {dîmr df Ho$ Xm amz ~ qh$j joì Aem {V Ho$ MbVo ~ H$ H$m àxe Z ~ohx gamhzr h. ~ H$ Zo {d{^ýz auzr{vh$ Cnm m Ho$ mü go AnZr AmpñV H$s JwUdÎmm H$mo ~ZmE aizo Ho$ {be ~hþv gmdymzrnyd H$ H$X CR>mE h. ~ H$ Zo AnZr dgybr à{h«$ m H$mo O~yV {H$ m h. BgHo$ H$maU, mm 2017 ~ H$ H$m gh$b EZnrE 6.59% go KQ>H$a mm % hmo J m h. mm 2017 ~ H$ H$m {Zdb EZnrE 4.36% go gwymah$a mm % hmo J m. AñWm r H$daoO AZwnmV d {Õ hþb Omo mm % go mm % ahm. df Ho$ Xm amz, {nn>bo {dîmr df H$s 2031 emimam H$s VwbZm ~ H$ Zo AnZr emimam H$s g» m 2136 VH$ ~T>m r h. ~ H$ Zo àë oh$ emim H$mo bm^ H $Ð Ho$ ê$n ~ZmZo Ho$ à mg {H$E h. {nn>bo df Hw$b 2001 EQ>rE H$s g» m ~T> H$a A~ EQ>rE H$s Hw$b g» m 2155 ~Z JB h. {S>{OQ>b ~ qh$j Ho$ g ~ Y ~ H$ h oem AnZo gå m{zv J«mhH$m H$mo ZdrZV àm Úmo{JH$s AmYm[aV ~ qh$j àxmz H$aZo Ho$ {be VËna h. df Ho$ Xm amz, ~ H$ Zo {S>{OQ>b ~ qh$j Ho$ bm^m H$m $m Xm CR>mZo Am a ~ qh$j H$s bmjv H$mo H$ H$aZo Ho$ {be H$B nhb H$s h. ~ H$ Zo AnZo g^r {S>{OQ>b M Zbm H$mo ZdrZV CnbãY g ñh$au Ho$ gmw AnJ«oS> H$a {X m h {OgHo$ {be ~ H$ H$mo CZ g^r J«mhH$m go ~hþv AÀN>r à{v{h«$ m { br h Omo h mao g^r {S>{OQ>b ~ qh$j M Zbm g{h«$ J«mhH$m H$s d{y V g» m go JmoMa h. h Zo {S>{OQ>b àm Úmo{JH$s Ho$ gmw g^r Am w djm] Ho$ J«mhH$m Ho$ {be gw{dymozh$ ~ZmZo Ho$ {be h mao g^r {S>{OQ>b ~ qh$j AZwà mojm H$mo ^r gab ~Zm m h. ~ H$ AZwnmbZ VWm H$m nm}aoq> emgz CÀM mzh$ h mao ~ H$ H$s g ñh ${V h Omo h JwUdÎmm ì dgm Am a g J«H$mamo~ma d {Õ H$mo ÚmZ aivo hþe {dîmr df H$mo ~ H$ H$mo àmá bm^ H$mo Ü mz aivo hþe ghf gy{mv H$aVm hÿ± {H$ ~ H$ H$s {ZXoeH$ S>b Zo à{v eo a 1.20(12%)bm^m e H$s {g $m[ae H$s Bg H$m AZw moxz AmZodmbr ~ H$ H$s dm{f H$ gm mý ~ R>H$ H$s H$aZm h. h oar A {V gm mý ~ R>H$ hmojr My {H$ AJñV 2018 H$mo nx^ma go wº$ hmo OmD$Jm.{dO m ~ H$ Ho$ gmw oao Egmo{H$EeZ ñ aur ahojm Am a Iwer Ho$ nb A{dñ aur h. wpo {dedmg h {H$ ~ H$ Ho$ H$ Mmar Bgr na {do r ahoj. ^JdmZ go àmw Zm H$aVm hÿ± H$s ~ H$ Ho$ ^{dî CÁdb hmo. S>b H$mo gamhvm hÿ± Am a ÜÝ mdmx XoVm hÿ± ha {dî H$m CÝH$s g rjmë H$ ~mvo, yë ~{Y V {H$ m. ha ~mos> H$s Wm grizoh$mo ~hþv { bm VWm AÀN>o emgz H$m CƒV mzh$ H$m àxe Z {H$ m. AmB E E $ Ûmam H$s JB ^{dî dmur Ho$ AZwgma df Ho$ Xm amz Kaoby Am a d {ídh$ Am{W H$ n[añí gwyma bmzo H$s Cå rx h. AmB E E $ Zo AnZo joìr Am{W H$ AmCQ>bwH$ CëboI {H$ m Wm {H$ Mmby {dîm df ^mavr AW ì dñwm 7.4 à{vev H$s Xa go ~T>Zo H$s Amem h VWm {d wðrh$au d OrEgQ>r Ho$ à^md go C^aZo Ho$ ~mx h 7.8 à{vev ~T>Zo H$s Cå rx h. ^mav gah$ma Ûmam {d{^ýz gwymam Ho$ H$m m Ýd Z Ho$ ~mx, ^mavr AW ì dñwm g amzmë H$ gwymam CÀM {dh$mg àjonu Ho$ {be V ma h. AW ì dñwm H$mo {d wðrh$au Am a OrEgQ>r nhbm Ho$ {be A{YH$ bm^ { bojm. Am{W H$ gd}ju go h ~mv gm Zo AmB h {H$ ^mavr AW ì dñwm 7-7.5% ñva VH$ ~T>oJr. AW ì dñwm gwyma Ho$ gmw ~ qh$j CÚmoJ d {Õ hmozo H$s Cå rx h. ~ H$ F$U H$s m J Xmo A H$m H$s d {Õ Ho$ gmw hëdnyu ê$n go ~ T>oJr Omo {dîm df Ho$ Xm amz 8.4% ahr. gmd O{ZH$ joì Ho$ ~ H$m ` 2.11 {Q >{b Z XoZo H$s gah$ma H$s nhbo, H$mo O~yV H$aZo XX H$aoJr. CÀMVa à{vñnym Ë H$ ~ qh$j n[añí {do m ~ H$ H$s pñw{v AÀN>r h. A~ ~ H$ Zo AënH$m{bH$, Ü go XrK H$m{bH$ AmYma na CËnÝZ hmozo dmbr MwZm {V m H$m gm Zm H$aZo Ho$ {be C{MV ì mdgm{ H$ auzr{v m H$mo AnZm m h. ~ H$ A~ Xoe ~XbVr Am{W H$ pñw{v m Ho$ {be {H$gr ^r ~Xbmd Am a à{v{h«$ m H$mo AnZmZo Ho$ {be bmrbm h. ~ H$ Zo AnZr n[ammbz j Vm H$mo gwñ T> H$a {X m h Am a {d{^ýz àh$ma Ho$ ~ H$m go à{vñnym Ho$ ñva go AmZo dmbr MwZm {V m H$m gm Zm H$aZo Ho$ {be ~ H$ Ho$ mzd g gmyz Zo {do r gm{w m H$mo CgH$m gm Zm H$aZo H$s j Vm ~ T>m Xr h. ~ H$ EH$ CËH $îq> J«mhH$ godm àxmz H$aVm h Omo h mar w» VmH$V Am a hëdnyu H$maH$ h Omo h mao ~ H$ H$mo AÝ ~ H$m go AbJ H$aVm h. ~ H$ Ho$ à wi ì mdgm{ H$ bú m Am a CÔoí m H$mo A{YH$ J«mhH$ AZwHy$b Ñ{îQ>H$moU Ho$ gmw EH$ gvv Am a bm^àx ì mdgm{ H$ m S>b ~ZmZo Am a ~ H$ Ho$ ~«m S> Zm Am a gømdzm H$mo ~ T>mZo Ho$ {be ZdrZV àm Úmo{JH$s Zdmo^ofr {dymam na H ${ÐV h. AmJo ~ T>Vo hþe, ~ H$ g mo Ho$ à{v AnZr AÀN>r godm ~ZmE aiojm, amîq > H$s àj{v Ho$ {be {d{^ýz gah$mar nhbm H$m g W Z H$aoJm Am a ~ H$ H$s {d{^ýz {hvymah$mo H$s g Vw{îQ> H$mo A{YH$V H$aZo Ho$ {be h mar CËnmXH$Vm Am a bm^àxvm H$mo A{YH$V H$aoJm. wpo nyam {dídmg h {H$ {do m ~ H$ ZdmoÝ ofr Am a ZyVZ Ñ{îQ>H$moU na g o{h$v à mgm Ho$ gmw BZ moozmam H$m bm^ CR>m nmejm. {ZXoeH$ S>b Am a IwX H$s Va $ go, AnZo AmË {dídmg Am a g W Z Ho$ {be ~ H$ Ho$ gå m{zv eo aymah$m, yë dmz J«mhH$m Am a AÝ {hvymah$m H$mo h mar B mzxmar go H $VkVm Am a àe gm ì ³V H$aZm MmhVm hÿ. Bg Adga na ~ H$ Ho$ à~ YZ Am a H$ Mm[a m H$mo ~ H$ Ho$ {dh$mg H$s {Xem CZH$s H$ S>r ohzv Am a g n U Ho$ {be AnZm B mzxmar go YÝ dmx ì ³V H$aZm MmhVm hÿ. g J«H$mamo~ma d {Õ H$mo Ü mz aivo hþe {dîmr df H$mo ~ H$ H$mo àmá bm^ H$mo Ü mz aivo hþe ghf gy{mv H$aVm hÿ± {H$ ~ H$ H$s {ZXoeH$ S>b Zo à{v eo a 1.20(12%)bm^m e H$s {g $m[ae H$s Bg H$m AZw moxz AmZodmbr ~ H$ H$s dm{f H$ gm mý ~ R>H$ H$s H$aZm h. h oar A {V gm mý ~ R>H$ hmojr My {H$ AJñV 2018 H$mo nx^ma go wº$ hmo OmD$Jm.{dO m ~ H$ Ho$ gmw oao Egmo{H$EeZ ñ aur ahojm Am a Iwer Ho$ nb A{dñ aur h. wpo {dedmg h {H$ ~ H$ Ho$ H$ Mmar Bgr na {do r ahoj. ^JdmZ go àmw Zm H$aVm hÿ± H$s ~ H$ Ho$ ^{dî CÁdb hmo. S>b H$mo gamhvm hÿ± Am a YÝ mdmx XoVm hÿ± ha {df H$m CZH$s g rjmë H$ ~mvo, yë ~{Y V {H$ m. ha ~mos> H$s Wm grizoh$mo ~hþv { bm VWm AÀN>o emgz H$m CƒV mzh$ H$m àge Z {H$ m. Or. Zmam UZ AÜ j 11

18 dm{f H$ [anmoq> {hvymah$m H$mo à~ Y {ZXoeH$ Ed grb Amo H$m g Xoe d {ídh$ AW ì dñwm VWm ^mavr AW ì dñwm Ed ~ qh$j joì na EH$ g J«g rjm Am a {dîmr df Ho$ Xm amz h mao ~ H$ Ho$ H$m {ZînmXZ Ho$ EH$ ñz n em Q> H$mo gmpm H$aZo wpo àgýzvm hmo ahr h. {dîmr df , nyao {díd H$B Xoem Ho$ d {ídh$ ì mnma àj{v Am a AW ì dñwm H$mo O~yV ~ZmZo Ho$ gmw gh$mamë H$ df ahm. pñwavm Am a gwñv {dh$mg H$s b ~r Ad{Y Ho$ ~mx, h ZmoQ> H$aZo Iwer hmo ahr h {H$ {nn>bo {dîmr df H$s VwbZm {díd AW ì dñwm O~yV ~Z JB h. {nn>bo df H$m CëboIZr nhby h h {H$ d {ídh$ ì mnma H$m {dñvma Omar ahm, Omo Xoem O~yV {Zdoe Am a {d{z m U J{V{d{Y m go g {W V h. ~ T>Vm Cn^moJ Am a {Zdoe H$s m J Ho$ AmYma na yamo joì {dh$mg H$s J{V {XImB Xo ahr h. H$ hmo ahr ~oamoojmar Am a H$ ã mo Xam Ho$ gmw Am{W H$ AmemdmX gwyma H$m g W Z {H$ m h. yamo joì Ho$ Xoem Zo O~yV amoojma d {Õ H$m AZw^d {H$ m Am a gh$b Xoer CËnmX d {Õ ^r àmßv H$s. g w³v amá A arh$m Zo gh$b Xoer CËnmX gh$mamë H$ {dh$mg XO {H$ m Am a Xoe Ho$ yb^yv {gõm V O~yV hmo JE h. wðmñ $s{v Ho$ ñva gh$mamë H$ pñw{v, amoojma ~moma gwyma Am a {Zdoe nwzéëwmz go Xoe H$mo AnZr Xam d {Õ bmzo Ho$ {be {dídmg àmßv hþam. A o[ah$s o$s> Zo ã mo Xam 0.25 à{vev H$s d {Õ H$s, Omo {Xg ~a 2017 Vrgar Xa d {Õ Am a {Xg ~a 2015 Ho$ ~mx N>R>o ~ma H$s d {Õ h. h {ZU Xoe Am{W H$ {dh$mg na AmYm[aV Wm, {Og amoojma ~moma R>mog bm^, ì mnma {Zdoe nwzéõma Am a 2 à{vev Ho$ bú Ho$ H$ar~ H$s wðmñ $s{v Xa em{ b h. nhbo go aho VoOr H$mamo~mar AmË {dídmg H$mo àmoëgmhz àxmz H$aVo hþe {Z m U J{V{d{Y Zo OZdar, 2018 O~yV ~mhar m J na VoOr go ~ T>moVar hmozo Ho$ H$maU, OmnmZr AW ì dñwm ~ T>moVar Omar ahr. AO]Q>rZm, ~«morb Am a ê$g O go ~ S>o C^aVo ~moma AW ì dñwmam go Hw$N> Xoem Zo AnZo Xr go ~mha AmE. O~yV Kaoby Cn^moJ Am a O~yV {Z m V go ào[av MrZr AW ì dñwm {dh$mg hþam. VWm{n, {dh$mg Ho$ {be Hw$N> ZH$mamË H$ OmopI ahvo h, ImgVm a go F$U ñva d {Õ go. Ohm VH$ ^mavr AW ì dñwm H$m g ~ Y h, h XoIm J m {H$ df , {dh$mg Ho$ mj AW ì dñwm Ho$ àë mdv Z H$m df Wm. {dîmr df ~hþv MwZm {V m Am a Adga Wo. OrEgQ>r H$m H$m m Ýd Z df Ho$ Xm amz Xoe Ûmam XoIm J m EH$ ~ S>m gwyma h. àumbr VabVm Ho$ wôm Am a OrEgQ>r Ho$ H$m m Ýd Z go AW ì dñwm O{Q>bVmAm Ho$ H$maU df Ho$ nhbo ^mj Xr H$s d {Õ hþb. na Vw df H$s Xÿgar N> mhr OrE Q>r H$s nwz w ÐrH$aU à{h«$ m Am a gm mý rh$au Ûmam àumbr AW ì dñwm H$m hþb. Xoe H$s gh$b Xoer CËnmX {V mhr Xa {V mhr ~ T>H$a Ho$ nhbr {V mhr 5.7% go ~ T>H$a Š yama-2 6.5% Š yama-3 7.2% hþb h. Bg à^mdembr {dh$mg Xa Ho$ gmw ^mav Zo Xþ{Z m H$s g~go VoOr go ~ T>Vr à wi AW ì dñwm H$m AnZm ñva hm{gb H$a {b m. Xoe Ho$ {d{z m U Am a Am{W H$ J{V{d{Y d {Õ Am a gwyma H$s àd {Îm na {dmma H$aVo hþe, nyao df Ho$ {be gh$b Xoer CËnmX, CƒV ñva na nhþ MZo H$s Cå rx h. gm mý m ZgyZ Ho$ g W Z Ho$ gmw H ${f joì d {Õ hþb. H ${f Ìmb Ûmam Omar à wi $gbm Ho$ Xÿgao AZw mz Ho$ AZwgma, OyZ 2018 H$mo g mßv hmozo dmbo $gb df ^mav Ho$ ImÚmÝZ CËnmXZ [ah$ms> { {b Z Q>Z Ho$ ñva VH$ d {Õ Ano{jV h.. ^mav H$s ì mnma KmQ>m ~ T>H$a {~{b Z KmQ>o H$s VwbZm mm 2018 $156.8 {~{b Z hmo JB. nyao {dîm df 18 Ho$ {be {Z m V 9.8% ~ T>H$a $302.8 {~{b Z hmo J m, O~{H$ Am mv 19.6% ~ T>H$a $459.7 {~{b Z hmo J m, w» ê$n go Vob Am mv Ho$ yë CëboIZr d {Õ Ho$ H$maU ì mnma KmQ>m ~ T> J m h. h {nn>bo gmb àm{bv H$s Vm Ho$ gmnoj A VaamîQ >r H$ƒo Vob H$s H$s Vm d {Õ Ho$ {be {Oå oxma R>ham m Om gh$vm h, H$ƒo Am a noq >mo{b CËnmX ^mav H$s Am mv ~mñho$q> H$m EH$ à wi KQ>H$ h Am a Bg àh$ma A {V ì mnma KmQ>o Ho$ Am H$ S>m na ^mar à^md ns>vm h. O~{H$ Am mv H$s nyu mìm CëboIZr d {Õ Zht hþb h, Xþ{Z m ^a Vob H$s H$s Vm hþb d {Õ Ho$ MbVo yë ~ T> J m h. Ohm VH$ ~ qh$j joì H$m m bm h, {nn>bo {dîmr df H$s VwbZm Bg df ^r g n{îm H$s JwUdÎmm Am a ~ H$m H$s bm^àxvm {JamdQ> XoIr JB. ~ qh$j joì A{YH$ g» m H$s YmoImY S>r ^r XoIr JB. h ~ qh$j n[ammbzm H$mo {Z {ÌV H$aZo Ho$ {be {Z m H$ {ZH$m m H$mo g»v Cnm H$aZo Ho$ {be O~ya {H$ m. df Ho$ Xm amz, ^mavr [aod ~ H$ Zo Hw$N> 12

19 m r s s Õ V a r J ~ H$m H$mo AnZo nrgre ê$naoim Ho$ VhV em{ b {H$ m h. gah$ma Ûmam {Xdmbr Am a {Xdm{b mnz g {hvm (AmB ~rgr) Ho$ H$m m Ýd Z hþb àj{v H$mo ~ qh$j àumbr EH$ gh$amv H$ Ed ñdmñï gwyma H$s {Xem hþb h. gmd O{ZH$ joì Ho$ ~ H$m Ho$ m bo nreg~r nwznyªorh$au moozm Ho$ ^mj Ho$ ê$n é 2.11 {Q >{b Z ny Or bjmzo H$m gah$ma H$m {ZU AË V gh$mamë H$ H$X h. df Ho$ Xm amz ^mavr [aμod ~ H$ Zo AJñV 2017 Ho$ hrzo aonmo Xa 6.25 à{vev go 6.00 à{vev H$s ZdrZV H$Q>m Vr Ho$ ~mx AnZr Zr{V Xam na Wmnyd pñw{v ~ZmE aih$a gvh $ Ñ{îQ>H$moU AnZm m h. ^m.[a.~. {d{^ýz amá gah$mam Ûmam H$mZ {H$am m ^Îmo d {Õ; Iar $ $gbm Ho$ {be Ý yzv g W Z yë àmßv H$aZo Ho$ {be Zr{V; Vob H$s H$s Vm Am a amoh$mofr {JamdQ> Ho$ AË {YH$ à^md go wðmñ $s{v A{YH$ OmopI Ho$ ~mao qm{vv Wm. {deof ê$n go df H$s nhbr N> mhr Ho$ Xm amz ~ H$ F$U H$s m J Yr m {dh$mg Wm. {dîmr df Ho$ {be Hw$b J a-imú ~ H$ F$U d {Õ 8.4% ahr. {dîmr df Ho$ Xm amz, MwZm VrnyU ~ qh$j n[añí {do m ~ H$ Zo AnZo CËH $îq> H$m {ZînmXZ Xem m ~ H$ Zo Am{W H$ Am a ~ qh$j n[añí m ~Xbmd Ho$ AZwê$n {d{^ýz AënH$m{bH$ Am a Ü ì mdgm{ H$ auzr{v m H$mo AnZm m. ~ H$ Zo bm^àxvm hëdnyu gwyma {H$E h Am a n[ag n{îm JwUdÎmm gh$mamë H$ Cnm {be h. H$B à wi {dîmr mzh$m CÚmoJ Ho$ Am gv go A{YH$ d {Õ XO H$aHo$ ~ H$ Zo g H$j ~ H$m go ~ohva H$m {ZînmXZ {H$ m h. {dîmr df Ho$ Xm amz ~ H$ Zo ` 727 H$amo S> H$m {Zdb bm^ Xem m h. ~ H$ H$m n[ammbz bm^ Wm `2421 H$amo S> go 27.95% H$s d {Õ Xem Vo ` 3098 H$amo S> VH$ nhþ M J m. nyao Xoe ^m Jmo{bH$ joìm AnZo g J«ì mnma Am a CnpñW{V Ho$ m bo ~ H$ AnZo {dñvma MaU h. ~ H$ H$m Hw$b H$mamo~ma df Xa df AmYma na 20.07% H$s gwñt> d {Õ XO H$aVo hþe ` 2,75,965 H$amo S>> hmo J m h. ~ H$ Ho$ A{J«nmoQ> $mo{b mo 22.57% H$s gwñt> d {Õ A {H$V H$aVo hþe ` H$amo S> VH$ nhþ M J m h Am a ~ H$ Ho$ Hw$b O m nmoq> $mo{b mo df Xa df 18.25% H$s d {Õ XO H$aVo hþe `1,57,288 H$amo S> VH$ ~T> J m h. ~ H$ Zo Wm H$mo 2031 emimam go VH$ AnZo emim ZoQ>dH $ H$mo 2136 emimam VH$ ~ T>m {X m h. EQ>rE H$s g» m ~ T>H$a 2155 EQ>rE VH$ hmo JB h Omo mm 2017 Ho$ Xm amz 2001 Wr. ~ H$ CÎm n[a^m{fv EH$ gwñt> O~yV OmopI à~ YZ àumbr h. OmopI à~ YZ {d^mj {Z ÌU Ho$ gmw ny Or H$m g j à~ YZ {H$ m h. ~ H$ % H$s Ý yzv {Z m H$ ny Or Ho$ à{v ~ogb III Ho$ VhV 13.90% Ho$ gramaeama AZwnmV Ho$ gmw n m ßV ny Or bjmb JB h. {dîmr df Ho$ Xm amz, ~ H$ Zo B p³dq>r eo am Ho$ Ah VmàmßV g ñwmjv ñwmzz (Š yamb nr) Ho$ mü go `700 H$amo S> (àr{ g{hv) yë Ho$ gm mý B{¹$Q>r {Q> a -1 ny Or OwQ>mZo go, ^mav gah$ma go 1277 H$amo S> (àr{ g{hv) H$s ZB ny Or bjme OmZo go Am a Am V[aH$ g gmyzm go AnZr ny Or pñw{v H$mo ~ T>m Xr h Am a H$amo S> Ho$ AO Z ({Z m H$ ny Or Ho$ {be JUZm) H$mo ~ZmE aim h & AmJo, ~ogb III Ho$ VhV ny Or n m ßVVm Wm % go ~T> H$a Wm H$mo 13.90% hmo JB h. ~ H$ Zo g n{îm H$s JwÊdº$m na Ü mz H ${ÐV {H$ m VWm C{MV F$U {ZJamZr VWm EZnrE H$ r H$s JB. {dîmr df Ho$ Xm amz, ~ H$ H$m gh$b EZnrE AZwnmV 6.34% go 6.59% hmo J m h Am a ~ H$ H$m {Zdb EZnrE AZwnmV 4.36% go 4.32% gwyma hþam h. Bggo h {Zdb ã mo m{o Z O go bm^àx mzx S>m gwyma bmzo XX { br Omo 2.77% go 3.10% VH$ d {Õ hþb. ~ H$ H$s {Zdb ã mo Am Wm H$mo 22.73% ~ T>H$a 4303 H$amo S> hmo JB. ~ H$ Ho$ ã mo ì 6.61% VH$ H$ hþb h. df Ho$ Xm amz ~ H$ H$m Hw$b ì 4.45% H$ hþam h. ~ H$ Ho$ IwXam F$U nmoq> $mo{b mo Zo df Ho$ Xm amz CËH $îq> H$m {ZînmXZ {H$ m h. ~ H$ Zo Xoe Ho$ {d{^ýz ^mjm {d{^ýz ì mdgm{ H$ A{^ mz Am mo{ov {H$E. ~ H$ Zo Ë m hma Ho$ m g Ho$ Xm amz {d{^ýz àñvmd àxmz H$aVo hþe Xoe Ho$ {d{^ýz ^m Jmo{bH$ joìm Ho$ AnZo Ñ{îQ>H$moU H$mo ^r H$ñQ> mbo {H$ m. BgZo h AnZo IwXam F$U H$mamo~ma H$mo {nn>bo {dîmr df H$s VwbZm 24.98% H$s d {Õ Ho$ gmw ` 36,439 H$amo S>> VH$ ~ T>mZo XX hþb. ~ H$ Ho$ ~ YH$ F$U I S> 128% H$s gwñt> d {Õ XO H$aVo hþe `814 H$amo S> VH$ nhþ M J m. Amdmg F$U I S> 30.50% H$s d {Õ Xa Ho$ gmw `14,700 H$amo S> d {Õ hþb h. Am^yfU F$U g {d^mj 21.76% d {Õ Ho$ gmw ` 6115 H$amo S> hmo J m. dmhz F$U I S> 21.39% d {Õ hþb Am a ` 3,269 H$amo S> VH$ ~T> J m. ~ H$ Ho$ àmw{ H$Vm joì g {d^mj H$m A{J«19.15 % H$s d {Õ XO H$aVo hþe ` 48,364 H$amo S> VH$ nhþ M J m. àmw{ H$Vm joì Ho$ A{J«40% Ho$ {Z m H$ mzx S> Ho$ à{v g m mo{ov {Zdb ~ H$ F$U (EEZ~rgr) H$m 13

20 dm{f H$ [anmoq> % ahm % H$s d {Õ Xa XO H$aHo$ ~ H$ H$m H ${f A{J«`19,521 H$amo S> hmo J m. {nn>bo df {d wðrh$au Ad{Y Ho$ Xm amz ~ H$ Zo CËH $îq> godm àxmz {H$ m Wm. ~ H$ g^r ì mdgm{ H$ {XZm ^r Bgr Vah H$s gh$mamë H$ godm àxmz H$aZm Omar aivm h. ~ H$ AnZo emim n[adoe Am a EQ>rE H$mo AnJ«oS> {H$ m h. ~ H$ {hbm J«mhH$, d[að> ZmJ[aH$ Am a {Xì m J J«mhH$m na {deof Ü mz Xo ahm h. ~ H$ {S>{OQ>b ~ qh$j H$s JB àj{v m Ho$ {be OmZm OmVm h. ~ H$ H$mo B Q>aZoQ> ~ qh$j, mo~mbb ~ qh$j Am a gmoeb r{s> m na AnZr godmam Ho$ {be AË {YH$ à{v{h«$ m àmßv hþb h. BZ {S>{OQ>b M Zbm Ho$ J«mhH$ Ûmam à moj ~ T> aho h. ~ H$ {dîmr g mdoez Am a {S>{OQ>b B S>r m Ho$ joì ^mav gah$ma H$s nhb Ho$ {be AnZo hm{x H$ g W Z àxmz H$aVm h. ~ qh$j gw{dymam H$mo àxmz H$aZo Ho$ {be ~ H$ H$mo ApIb ^mavr AmYma na 3410 J«m m Am a 20 dms>m] g{hv 1151 Cn godm joì Amd {Q>V {H$E JE h. ~ H$ Zo BZ J«m m H$mo 289 emimam Ûmam Am a eof Ho$ {be ~ H$ { Ì (H$mamo~ma g dmxxmvm EO Q>) Ho$ mü go ~ qh$j gw{dyme àxmz H$s h. h mao ~ H$ Zo '{do m {S>{OQ>b J«m ' n[a moozm Ho$ VhV nyao ^mav 105 J«m m H$mo AnZm m h. {dîmr df Ho$ Xm amz BZ go 101 J«m m H$mo AnZm m h. lr AéU OoQ>br, mzzr {dîm Ìr, ^mav gah$ma Zo 26 AJñV, 2017 H$mo Bg {S>{OQ>b J«m n[a moozm H$s ewéamv H$s. ~ H$ Zo AnZo S>o{~Q> Am a H«o${S>Q> H$mS> Ho$ {be J«rZ {nz gw{dym H$s ewéamv H$s {Og J«mhH$ Bg gw{dym Ho$ mü go S>o{~Q> Am a H«o${S>Q> H$mS> Ho$ {be VËH$mb {nz CËnÝZ H$a gh$vo h & {dîmr df Ho$ {be ~ H$ H$m gh$mamë H$ Ñ{îQ>H$moU h. d {ídh$ Am{W H$ pñwv Am a m J gwyma hþam h. VWm{n amîq >m Ho$ ~rm C^aVo ì mnma g a H$mo d {ídh$ ZoVmAm Ho$ hñvjon Ho$ gmw em {Vnyd H$ hb {H$ m OmZm Mm{hE. ^mavr AW ì dñwm {d wðrh$auam a OrEgQ>r O go ~ S>o gwymam Ho$ H$m m Ýd Z Ho$ ~mx A~ ewõ h Am a ñdñw {dh$mg H$s Amoa h. gah$ma H$mo H$a àumbr {dñv V Am a ì dpñwv {H$ m J m h. gah$ma Zo AW ì dñwm d {Õ bmzo Ho$ {be B «$mñq >ŠMa n[a moozm Am a AÝ {Zdoe na ì H$aZo Ho$ {be H$B nhb ewé H$s h. Bggo ~ H$ F$U Ho$ {be m J d {Õ hmojr Am a n[aum ñdê$n AW ì dñwm g J«nwZà dv Z hmojm.. ~ H$ ~ZmE aio OmZo mo½ H$mamo~ma m S>b h Omo ~ H$ Ho$ g^r ì mdgm{ H$ nmoq> $mo{b mo ñdñw {dh$mg gw{z{ímv H$aVm h. ~ H$ H$mo AnZo H$ bmjv dmbo ~MV Am a Mmby ImVm nmoq> $mo{b mo H$mo O~yV H$aZo Ho$ {be {deof Ü mz XoZm hmojm. ~ H$ H$s AnZr ny Or, ì mdgm{ H$ AmH$ma, H$ Mmar CËnmXH$Vm Am{X O~yV h. {do m ~ H$ MwZm {V m H$m gm Zm H$aZo Ho$ {be Am a ~ qh$j Am a {dîmr joì ~ T>Vo Adgam na ny OrH $V H$aZo Ho$ {be H$m Zr{VH$ ê$n go CÎm ñva na h. ~ H$ ~hþv noeoda {ZXoeH$ S>b JU h. g na CZHo$ mj Xe Z Am a yë dmz mojxmz Omo, ~ H$ {dîmr df Ho$ Xm amz CËH $îq> H$m {ZînmXZ Xem Zo Ho$ {be hëdnyu H$maU ~Zm h, Ho$ {be ~ H$ Ho$ {ZXoeH$ S>b Ho$ à{v Am^ma ì ³V H$aZm MmhVm hÿ. ^mav gah$ma, ^mavr [aod ~ H$ Am a AÝ {Z m H$m Ûmam àxmz {H$E JE yë dmz mj Xe Z Ho$ {be ^r AnZm hm{x H$ YÝ dmx ì ³V H$aVm hÿ. g^r yë dmz eo aymah$m H$mo ~ H$ na CZHo$ {Za Va g W Z Am a {dídmg Ho$ {be öx go YÝ dmx H$aVm hÿ. ~ H$ Ho$ g^r {hvymah$m H$mo AmídñV H$aVm hÿ {H$ h, AmJm r df Ho$ h mao ì mdgm{ H$ bú m H$mo àmßv H$aZo Ho$ {be à{v~õ ah Jo. AmnHo$ h{x H$ g W Z Am a àmoëgmhz Ho$ gmw, wpo {dídmg h {H$ df Ho$ Xm amz h mam ~ H$ CËH $îq> ñwmz na nhþ MoJm. ew^h$m ZmAm g{hv gmxa, Ama E e H$a Zmam UZ à~ Y {ZXoeH$ Ed grb Amo 14

21 e J a Z {ZXoeH$ S>b, boim nar{jv VwbZ-nÌ Ed 31 mm 2018 H$mo g mßv df Ho$ bm^-hm{z boim Ed AÝ àmg {JH$ gymzm g{hv, ~ H$ H$s 38dt dm{f H$ [anmoq> ghf àñvwv H$aVm h. d hv-am{w H$ n[añí d {ídh$ AW ì dñwm df Xþ{Z m ^a {XImB XoZo dmbo g J«Am{W H$ nwzéëwmz na {dmma H$aVo hþe {nn>bo df H$s VwbZm ~ohva df Wm. dñvwam H$s H$s Vm à{vjon, d {ídh$ ì mnma gwyma, ñdñw wðmñ $s{v Ho$ ñva BË m{x, Xþ{Z m ^a Ho$ H$B Xoem AW ì dñwm H$s gwymazo g {W V h. df Ho$ Xm amz ny Or CÝZV AW ì dñwmam go C^aVr hþb AW ì dñwmam VH$ nhþ MVr h Omo EH$ hëdnyu ñva na O~yV hmovr OmVr h. AmB E E $ Ho$ AZwgma, df 2017, d {ídh$ {dh$mg % H$s VwbZm % VH$ ahzo H$s Cå rx h. O gm {H$ AmB E E $ Ûmam CëboI {H$ m J m h, {H$ {nn>bo XeH$ Ho$ d {ídh$ {dîmr g H$Q> go ewê$ hmozo dmbo ì mnh$ AmYma na Am{W H$ g H$Q> Am a ZH$mamË H$ PQ>Ho$ H$s EH$ l Ibm Ûmam, Ho$ yamonr g à^w F$U g H$Q> Am a H$s d {ídh$ dñvwam H$s H$s Vm Ho$ nwzj R>Z Ho$ ~mx {dam{ V {H$ m J m h. My {H$ BZ g H$Q>m Am a dv mz hos>qds²g Omo CZHo$ gmw H$ hmo OmVo h, {díd AW ì dñwm Zo O~yV {H$ m h, Omo ñwm r {dh$mg Ho$ Am{W H$, gm m{oh$ Am a n m daur Am m m Ho$ gmw àj{v H$mo AmJo ~ T>mZo dmbo XrK H$m{bH$ wôm H$s {Xem nwz{d Mma Zr{V Ho$ {be A{YH$ Jw OmBe àxmz H$aVm h. CÝZV AW ì dñwm, A o[ah$m Zo AnZo gh$b Kaoby CËnmX {Z{íMV ì mdgm{ H$ {Zdoe nwzéëwmz Am a Cn^mo³Vm IM O~yV d {Õ Ho$ AmYma na ñdñw {dh$mg Xa {XIm r. {dxoer wðm {d^mj (E $B S>r) Zo AW ì dñwm Ho$ gwyma ~w{z mxr {gõm Vm H$mo B {JV H$aZo dmbo ghm H$ S>oQ>m Ho$ AmYma na ~ma ~ma Xa d {Õ H$s. o$s> Zo 2018 Am a 2019 Ho$ {be AnZo {dh$mg nydm Zw mz ~ T>mE Am a AZw mzm Zo 2019 A{V[a³V d {Õ Xa H$s Amoa Bemam {H$ m. yamo{n Z joì, ~oamoojmar Am a H$ ã mo Xam {JamdQ> Ho$ gmw-gmw Am{W H$ AmemdmX ~ T>Zo Ho$ H$maU {dh$mg H$s J{V {XImB Xo ahr Wr. OmnmZr AW ì dñwm ^r d {Õ XO H$s JB Š m {H$ {Z m U J{V{d{Y Zo O~yV ~mhar m J na VoOr go ~ T>moÎmar H$s. df 2017 Ho$ Xm amz C^aVr ~moma AW ì dñwmam (B E B ) Am{W H$ J{V{d{Y VoOr AmB. {nn>bo df H$s VwbZm MrZr AW ì dñwm VoOr go ~ T>r h, Omo 2010 Ho$ ~mx go {dh$mg nhbr VoOr Xem Vr h. AnojmH $V d {Õ go A{YH$ O~yV Zr{VJV àmoëgmhz, Cnm m Ho$ H$m m Ýd Z Ho$ {be {Oå oxma Wm, {Og CÀM AmYma^yV g amzm IM em{ b Wm. hmbm {H$, {ZXoeH$m H$s [anmoq> {dh$mg Ho$ Hw$N> ZH$mamË H$ OmopI ~Zo aho h, ImgVm a go {Z{íMV g n{îm {Zdoe H$mo AmgmZ ~ZmZo Am a F$U ñva H$mo ~ T>mZo go. OrS>rnr R>mog {dh$mg Ho$ gmw ~«morb VoOr go O~yV hþam h. hmbm {H$, h O~yVr amozr{vh$ A{Z{íMVVm Ho$ à{v g doxzerb h, {OgZo Cn^mo³Vm {dídmg H$mo H$ H$a {X m h. X{jU A «$sh$m Am{W H$ pñw{v 2017 AmemOZH$ Zht Wr Am a Kaoby ~oamoojmar Am a {JamdQ> dmbr $ŠQ >r J{V{d{Y g{hv Kaoby Am a ~mhar XmoZm momm] na MwZm {V m H$m gm Zm H$aZm Omar aivr h. ^mavr AW ì dñwm Ohm VH$ ^mavr AW ì dñwm H$m g ~ Y h, df EH$ KQ>ZmnyU df Wm. AW ì dñwm Ho$ {be {d{^ýz AënH$m{bH$ naoem{z m Ho$ H$maU {ZpîH«$ {dh$mg Ho$ EH$ gmb ~mx, Xoe Zo H$s Vrgar {V mhr Ho$ Xm amz 7.2% H$s gh$b Kaoby CËnmX H$s d {Õ Xa Ho$ gmw Xþ{Z m g~go VoμOr go {dh$mg AW ì dñwm Ho$ ê$n AnZm ñwmz àmßv {H$ m h. h df ^mav gah$ma Am a ^mavr [aod ~ H$ Ûmam H$B gwymam Am a nhbm H$m Jdmh ~Zm. {dîmr df hr ^mav Zo AnZo g~go ~ S>o AàË j H$a gwyma dñvw Am a godm H$a (OrEgQ>r) H$mo bmjy {H$ m. H $Ðr ~OQ> Ho$ gmw aob ~OQ> H$m {db, moozm Am a J a- moozm ì H$mo Xÿa H$aZm, nyao ~OQ> Aä mg XX H$aZo Ho$ {be EH$ hrzo nhbo H $Ðr ~OQ> H$s àñvw{v H$s àj{v Am a ZE {dîmr df H$s ewéamv go nhbo 1 Aà b H$mo dm{f H$ ì moozmam Am a H$a àñvmdm Ho$ {be {dym r AZw moxz Am{X, AÝ à wi gwyma Wo {OÝh gah$ma Zo {dîmr df Ho$ Xm amz bmjy {H$ m Wm. hmbm {H$ {dîmr df H$s nhbr N> mhr Ho$ Xm amz AW ì dñwm Hw$N> ì dymz Am a Yr r J{V H$m AZw^d hþam hmo, bo{h$z OrEgQ>r Ho$ H$m m Ýd Z Ho$ H$maU {dîmr O{Q>bVmAm Ho$ $bñdê$n df H$s Xÿgar N> mhr Ho$ Xm amz AW ì dñwm bjmvma O~yV Am a J{Verb hþb h. Cn w³v gy{mv AZwgma {dîmr df H$s Xÿgar N> mhr Ho$ Xm amz, AW ì dñwm Zo {dh$mg H$s J{V H$mo { $a go àmßv {H$ m Š m {H$ {gñq> VabVm nwz w ÐrH$aU à{h«$ m Am a OrEgQ>r àumbr Ho$ mü go $ss>~ H$ CÚmoJ Ûmam nwzñwm {nv H$s JB. OrEgQ>r àumbr H$s O{Q>bVmAm H$mo H$ {H$ m J m Am a {dh$mg Xa Ho$ g W Z Ho$ AmYma na H$a Xam H$mo VH $g JV ~Zm m J m VWm AW ì dñwm Zo gmb H$s Xÿgar N> mhr Ho$ Xm amz VoOr go AnZr J{V H$mo { $a go àmßv H$a {b m h. df Ho$ Xm amz Xoe wðmñ $s{v {ZMbo ñva na Omar ahr. WmoH$ yë gymh$m H$ (S>ãë ynramb ) Aà b- mm % H$s VwbZm 15

22 dm{f H$ [anmoq> Aà b- mm % ahm. àmw{ H$ dñvwam H$s wðmñ $s{v Aà b- mm 2018 KQ>H$a 1.3% hmo JB, Omo {H$ Aà b- mm % Wr. hmbm {H$, df Ho$ Xm amz, BªYZ CËnmXm H$s wðmñ $s{v {nn>bo df H$s VwbZm -0.3% go 8.1% hmo JB. {d{z{ V CËnmXm H$s wðmñ $s{v Aà b- mm {dîm df % go ~ T>H$a Aà b- mm {dîm df % hmo JB. Am Úmo{JH$ joì H$s XjVm gwyma Am a g J«m J d {Õ Ho$ gmw-gmw WmoH$ yë gymh$m H$ (S>ãë ynramb ) wðmñ $s{v Yrao-Yrao ~ T> gh$vr h. Cn^mo³Vm yë gymh$m H$ (grnramb ) Ûmam mnr JB IwXam wðmñ $s{v g M r AmYma na Aà b- mm % H$s VwbZm Aà b- mm % VH$ jru hþb h. grnramb wðmñ $s{v H$m ñva, {dîm df Ho$ {be ^mavr [aod ~ H$ Ûmam {ZYm [av ~ S> Ho$ ^rva ahm. ^mavr [aod ~ H$ Ho$ nmg {dh$mg H$m g W Z H$aVo hþe +/- 2 à{vev A H$ Ho$ ~ S> Ho$ ^rva Cn^mo³Vm yë gymh$m H$ (grnramb ) 4% wðmñ $s{v Ho$ {be Ü Ad{Y Ho$ bú H$mo àmßv H$aZo H$m EH$ A{YXoe h. {Xg ~a 2017 gpão m Ho$ yë A{Z { V d {Õ Am a H $Ð gah$ma Ho$ 7d H $Ðr dovz Am moj (grnrgr) EMAmaE n MmQ> Ho$ H$m m Ýd Z Ho$ nyu à^md Ho$ H$maU {Xg ~a hrzo Ho$ CÀMV 5.2 à{vev H$s {JamdQ> Ho$ MbVo IwXam wðmñ $s{v Xa H$ hmo ahr h. ^mavr [aod ~ H$ Zo AnZr m {ÐH$ Zr{V H$mo O~yV H$aHo$ wðmñ $s{v Ho$ ñva H$mo {Z {ÌV H$aZo Ho$ {be XoI^mb H$s, {Ogo gah$ma Ûmam {dîmr Cnm m Ûmam g {W V {H$ m J m Wm. H $Ðr gah$mar H$ Mm[a m Ho$ g ^m{dv EMAmaE à^md H$mo Ü mz aivo hþe Am a gm mý yë ñva ~ T>moVar Ho$ H$maU ^mavr [aod ~ H$ Zo {dîmr df H$s nhbr N> mhr % Am a Xÿgar N> mhr 4.4% Ho$ {be grnramb wðmñ $s{v àjonu {ZYm [av {H$ m. {d{z m U J{V{d{Y m AŠQy>~a 2017 Ho$ nímmv Yr r J{V go mm 2018 bjmvma AmR> A H$m Ho$ {be gwyma hþam. ^mav Ho$ B S>oŠg Am $ B S>pñQ > b àmos>šez Ho$ EH$ ^mj AmR> à wi CÚmoJm Ho$ g w³v gymh$m H$, 40.27% Ho$ ^ma Ho$ gmw Aà b- mm 2018 g M r AmYma na 4.2% H$s d {Õ hþb, O~{H$ {dîm df % H$s d {Õ hþb Wr. {dîmr df ^mavr én o 0.48% H$s H$ r AmB, O~{H$ {nn>bo {dîmr df 2.1% H$s d {Õ XO H$s JB Wr. df Ho$ Xm amz én o CËgmhOZH$ ny Or àdmh Am a A o[ah$s S>m ba Ho$ H$ Omoa n S>Zo na én o d {Õ XO H$s JB. bo{h$z h nyao df J{V H$mo ~ZmE Zht ai gh$m. Vob H$s H$s Vm ~ T>moVar, Mmby ImVm KmQ>m ~ T>mZm, amoh$mofr pñbnoo, A o[ah$m m {ÐH$ Zr{V gm mý rh$au EH$ gmw én o Ho$ yë õmg H$m H$maU ~Z J m Wm. df H$s VwbZm Ho$ Xm amz {Z m V S>m ba Ho$ g ~ Y 9.78 $sgxr H$s d {Õ XO H$aHo$ {~{b Z A o[ah$s S>m ba na h. Aà b- mm H$s Ad{Y Ho$ {be {Z m V H$m g M r yë S>m ba Ho$ g ~ Y 9.78 $sgxr Am a én o Ho$ g X^ 5.56 $sgxr H$s gh$mamë H$ d {Õ Ho$ gmw {~{b Z A o[ah$s S>m ba ( H$amo S> `) Ho$ wh$m~bo {~{b Z A o[ah$s S>m ba ( H$amo S> `) XO {H$ m J m. Aà b- mm Ho$ Xm amz J a-noq >mo{b Am a J a aëz Am a Am^yfU {Z m V H$s H$s V 10.73% H$s d {Õ Ho$ gmw Aa~ A o[ah$s S>m ba Wr, Omo Bgr Ad{Y Ho$ {be Aa~ A o[ah$s S>m ba Wr. Aà b- mm H$s Ad{Y Ho$ {be Am mv H$m g M r yë S>m ba Ho$ g ~ Y $sgxr Am a én o Ho$ g ~ Y $sgxr H$s gh$mamë H$ d {Õ Ho$ gmw {~{b Z A o[ah$s S>m ba ( H$amo S> `) Ho$ wh$m~bo {~{b Z A o[ah$s S>m ba ( H$amo S> `) XO {H$ m J m. Aà b- mm Ho$ Xm amz Vob Am mv H$m yë {~{b Z A o[ah$s S>m ba Wm, Omo {nn>bo gmb Bgr Ad{Y {~{b Z A o[ah$s S>m ba Ho$ Vob Am mv go à{vev A{YH$ Wm. Aà b- mm Ho$ Xm amz J a-vob Am mv H$m yë {~{b Z A o[ah$s S>m ba Wm, Omo Aà b- mm {~{b Z A arh$s S>m ba Ho$ Am mv Ho$ ñva go $sgxr A{YH$ Wm. Bg g ~ Y h CëboI {H$ m OmVm h {H$ {díd ~ H$ H$ mo{s>q>r yë S>oQ>m Ho$ AZwgma mm 2017 Ho$ wh$m~bo d {ídh$ ~«Q> H$s Vm ($/ ~r~reb) 27.86% H$s d {Õ hþb h. {dîm df 2018 ^mav H$m ì mnma KmQ>m ~ T>H$a {~{b Z A o[ah$s S>m ba hmo J m, Omo {dîm df {~{b Z A o[ah$s S>m ba go A{YH$ Wm. Vob Am mv Ho$ yë CëboIZr d {Õ Ho$ H$maU w» ê$n go ì mnma KmQ>m ~ T> J m h. gmbmzm AmYma na, 'ñdu ' Am a 'Xmbm ' Ho$ Am mv H«$ e: % Am a % H$s H$ r AmB h. ì mnm[ah$ mb Am a godmam H$mo EH$ gmw bovo hþe, Aà b- mm 2018 ì mnma KmQ>m {nn>bo df H$s VwbZm 47% A{YH$ h. Vob H$s H$s Vm bjmvma ~ T>moVar go {dîm df 19 Ho$ {be Mmby ImVm KmQ>m 2.1 $sgxr Ho$ m OyXm AZw mz go ~rnreg VH$ nhþ M gh$vm h. Xoe H$m gh$b Kaoby CËnmX {V mhr go {V mhr VH$ ~ T>Vm Om ahm h. {dîmr df H$s nhbr {V mhr Ho$ Xm amz gh$b Kaoby CËnmX 5.7% Wm Omo Xÿgar {V mhr Ho$ Xm amz 6.5% VH$ ~ T> J m Am a {dîmr df H$s Vrgar {V mhr Ho$ Xm amz 7.2% VH$ CÝZV hþam. Ho$ÝÐr gm p» H$s H$m m b (gregamo) Zo df Ho$ {be AnZm Xÿgam A{J«AZw mz Omar {H$ m, {Og ^mav Ho$ dmñv{dh$ gh$b Kaoby CËnmX (OrS>rnr) H$s d {Õ nhbo A{J«AZw mzm 6.5 à{vev go 6.6 à{vev H$s d {Õ hþb. 16

23 m s V b V Z m X ~ qh$j joì ^mavr ~ qh$j joì Zo ~ T>Vo n[ag n{îm JwUdÎmm Ho$ wôm Am a ~ H$m H$s bm^àxvm H$ r AmZo na Iam~ F$Um H$mo ~ T>Zo go amoh$zo H$s b S>mB Omar air. ~ qh$j joì Zo w» ê$n go H$m nm}aoq> goj Q> w» ê$n go F$U nmoq> $mo{b mo {S>μ $m ëq> ImVm Ho$ CÀM pñbnoo H$s [anmoq> Omar air. ~ H$m Ho$ EH$ CÀM Am a ~ T>Vo AZwnmV Zo F$U na Omoa {X m Am a J a-{zînm{xv g n{îm (EZnrE) Ho$ àmdymz n[aum r d {Õ go ~ H$m H$ bm^àxvm XoIr JB. Bg df ^r ^mar mìm ~ qh$j YmoImY S>r H$s ~ T>Vr g» m H$m AZw^d hþam. ^mavr [aμod ~ H$ Zo AJñV 2017 Ho$ hrzo 6.25 à{vev go aonmo Xa ZdrZV H$Q>m Vr Ho$ ~mx AnZr nm {bgr Xam na pñw{v ~ZmE aih$a gmdymzr ~avzr ewê$ H$a Xr. ^mavr [aod ~ H$ wðmñ $s{v Ho$ D$na Ho$ OmopI, ImgVm a go {d{^ýz amá gah$mam Ûmam EMAmaE Ho$ ~ T>Vo à^md; Iar $ $gbm Ho$ {be Ý yzv g W Z yë m na nhþ MZo Ho$ {be Zr{V; Vob H$s H$s Vm Am a amoh$mofr pñbnooog d {Õ hmozo Ho$ ~mao qm{vv Wm. {nn>bo df Ho$ Xm amz {d wðrh$au moozm Ho$ H$m m Ýd Z Zo ~ S>o n mzo na Am OZVm Ho$ ~rm {S>{OQ>b ~ qh$j OmJê$H$Vm ~ T>mZo XX H$s Am a Ho$ Xm amz {S>{OQ>b bozxoz H$s g» m CëboIZr ñva na d {Õ hþb h. J a-imú ~ H$ F$U d {Õ mm 2018 df -Xa-df 8.4% VH$ R>ha JB Omo {dîm df 2017 Ho$ Xm amz 8.4% H$s d {Õ Ho$ wh$m~bo Wr. mm 2018 H$mo g mßv df Ho$ {be H ${f Am a g ~Õ J{V{d{Y m Ho$ {be F$U 3.8% ~ T> J m, Omo {H$ {nn>bo df H$s VwbZm 12.4% Wm. Xoe Ho$ H$B {hñgm IoV joì g H$Q> h, H$B amá gah$mam Zo {nn>bo Hw$N> dfm] {H$gmZm H$mo F$U Ny>Q> H$s KmofUm H$s h. 16.4% H$s d {Õ Ho$ wh$m~bo mm 2018 Kaoby Am a Am Q>mo F$U O go IwXam F$U 17.8% ~ T> JE. mm 2018 CÚmoJm H$mo F$U 0.7% H$s {JamdQ> XO H$s JB O~{H$ mm % H$s {JamdQ> XO H$s JB Wr. ZE {dîmr df F$U d {Õ EH$ Vrd«J{V AmZo H$s Cå rx h. gmd O{ZH$ joì Ho$ ~ H$m H$mo Xmo gmb ny OrJV am{e ` 2.11 bmi H$amo S> bjmzo H$m gah$ma H$m $gbm gmd O{ZH$ joì Ho$ ~ H$m Ho$ g ~ Y ~hþv gh$mamë H$ h. o $S> ~ H$m Ho$ OmopI Am a F$U ny Or go g ~ {YV Amdí H$VmAm H$mo à~ {YV H$aZo XX H$a Jo. {Z m H$ {ZH$m ^mavr [aod ~ H$ Am a {dîm Ìmb Zo g n{îm H$s JwUdÎmm {JamdQ> Ho$ ñva H$mo H$ H$aZo Am a ~ H$m Ûmam YmoImY S>r H$s g» m H$mo H$ H$aZo Ho$ {be H$B nhb H$s h. df Ho$ Xm amz ^mavr [aod ~ H$ Zo g n{îm H$s JwUdÎmm gwyma, n[ammbz àumbr H$mo O~yV H$aZo, ~ H$m H$s J«mhH$ godmam H$s JwUdÎmm H$mo O~yV H$aZo Ho$ {be R>mog H$X CR>mE h. ^mavr [aod ~ H$ Zo 31 mm, 2017 H$mo g mßv df Ho$ {be CYmaXmVmAm H$s {dîmr pñw{v Ho$ AmYma na 1 Aà b, 2017 go à^mdr ~ H$m Ho$ {be nrgre T>m Mo g emoyz {H$ m h. BgZo H$B ~ H$m H$mo A{V[a³V ny Or, bm^m e ^wjvmz à{v~ Y, emim {dñvma BË m{x ~ T>mZo Ho$ {be O~ya {H$ m. ^mavr [aod ~ H$ Zo nrgre T>m Mo Ho$ VhV ~ H$ H$mo nyd 10 $sgxr Ho$ wh$m~bo 6 $sgxr Ho$ ñva em{ b H$aZo Ho$ {be Amdí H$ EZnrE ñvam H$mo H$ H$a {X m h. nrgre T>m Mo Ho$ ~mha eof ~ H$m Zo EZnrE na àmdymz H$daoO ~ T>mZm A{Zdm H$a {X m. {dîmr df Ho$ Xm amz, g emo{yv {Z Ho$ AZwgma, ^mavr [aod ~ H$ Zo AnZo nrgre T>m Mo Ho$ VhV AZoH$ gd O{ZH$ ~ H$m H$mo aim h. BgHo$ Abmdm, ^mavr [aod ~ H$ Zo d[að> ZmJ[aH$m Am a {Xì m Jm Ho$ {be ~ qh$j gw{dym, ~ S>o H$m nm}aoq> CYmaH$Vm Am Ho$ {be H$mZyZr g ñwm nhmmzh$vm (EbB AmB ) H$m n[am, ^mav Ho$ {be gmd O{ZH$ a{oñq >r na CÀM ñvar H$m ~b, hmë m Jm Yr (ZB ) l Ibm 200 Am a 50 yë Ho$ ZE ZmoQ>m H$m n[am, ~ qh$j bmoh$nmb moozm g emoyz, ~ qh$j {d{z Z (g emo{yv) AÜ mxoe, 2017 H$mo bmjy H$aZo H$s H$m moozm, VZmdJ«ñV g n{îm m Ho$ g mymz Ho$ {be g emo{yv ê$naoim, àma {^H$ nhmmz Am a VZmdJ«ñV F$U H$s [anmo{qª>j, ~ qh$j n doju na {deofk g{ {V H$m JR>Z, dmz nìm (EbAmo y) Am a ì mnma F$U Am{X Ho$ {be MwH$m Vr AmídmgZ nì (EbAmogr) H$m {dkq>z O go H$X CR>mE h. BZ Cnm m go ~ qh$j CÚmoJ H$mo Am a O~yV ~ZmZo Am a ~ qh$j Am a Am{W H$ n[añí CËnÝZ hmozo dmbr ZB MwZm {V m H$m gm Zm H$aZo XX { bojr. n[añí d {ídh$ {dh$mg n[añí df Am a hm VH$ {H$ b ~r Ad{Y Ho$ {be ^r gh$mamë H$ h. {díd ~ H$ 2018 Am a 2027 Ho$ ~rm 4.3 à{vev Ho$ Am gv go C^aVr Am a {dh$mgerb AW ì dñwmam H$s g ^m{dv d {Õ H$m AZw mz bjmvm h. hmbm {H$, C^aVo Am a {dh$mgerb Xoem H$mo CÀM Am dmbo Xoem H$s VwbZm VoOr go {dh$mg H$s Amdí H$Vm h. g ajudmx Am a A Xê$Zr ì mnma Zr{V m dmbo Xoem Ho$ ~rm ~ T>Vo ì mnma wõ d {ídh$ {dh$mg Ho$ {be g ^m{dv ê$n go à^m{dv hm Jo. {díd Ho$ ZoVmAm H$mo pñw{v H$mo Xÿa H$aZo Am a d {ídh$ {dh$mg Ho$ {be Ûma ImobZo Ho$ {be nmañn[ah$ g Pm Vm ê$n go bm^àx ì mnma Zr{V m Ho$ gmw gh$mamë H$ Ñ{îQ>H$moU Ho$ gmw Bg Adga na C^aZm Mm{hE, Ohm g^r Xoem H$s AW ì dñwme bm^mpýdv hm Jr. {nn>bo Hw$N> gmbm go ^mavr AW ì dñwm g amzmë H$ n[adv Z go JwμOa ahr h. Bg Vah H$s Zr{V nhb H$m bm^ Xoe H$mo AmZo dmbo {XZm A Vam îq >r ~moma AmJo ~ T>Zo Ho$ gmw gm Zm H$aZo ^r XX H$aoJm. AmB E E $ Zo AnZo {díd Am{W H$ n[añí {dîm df 2020 Ho$ {be ^mav Ho$ {be OrS>rnr {dh$mg H$m nydm Zw mz 7.4% Am a 7.9% na aim h. [anmoq> H$hm J m h {H$ ^mav Am{W H$ J{V{d{Y H$mo O~yV {ZOr 17

24 dm{f H$ [anmoq> InV Ho$ gmw-gmw CÀM yë wðmam Ho$ àxe Z Ho$ H$m m Ýd Z Ho$ à^md H$mo à^m{dv H$aZo Am a amîq >r OrEgQ>r bmjy H$aZo Ho$ {be CR>m m OmEJm. A~ AW ì dñwm VoOr Ed O~yVr go {dh$mg Ho$ {be V ma h Š m {H$ {d wðrh$au Am a OrEgQ>r Ho$ H$m m Ýd Z Ho$ gmw ~ZmE JE ì dymz Am a O{Q>bVmE bj^j IË hmo JB h. {d wðrh$au Zo Am nmm[ah$ AW d ñwm Ed ì mnh$ {S>{OQ>b AW d ñwm H$mo VoOr go ~T>Zo gh moj {X m h. OrEgQ>r go ~hþ amá H$a àumbr H$m AZwnmbZ H$aZo, Am nmm[ah$ joì AZm nmm[ah$ J{V{d{Y H$mo AmH${f V H$aZo Am a H$a AmYma H$m {dñvma H$aZo H$s bmjv H$mo H$ H$aHo$ Am{W H$ J{V{d{Y Am a {dîmr pñwavm H$m bm^ CR>mZo H$s Cå rx h. OrEgQ>r H$m m Ýd Z pñwavm, F$U d {Õ, {Zdoe J{V{d{Y nwzéõma Am a gmd O{ZH$ joì Ho$ ~ H$m Ho$ nwznyªorh$au O go {dh$mg H$mo Ü mz aivo hþe ~ qh$j joì g{hv ^mavr AW ì dñwm Ho$ {be {dh$mg g ^mdzme {dîmr df Ho$ {be ~hþv gh$mamë H$ h. df Ho$ Xm amz ~ H$ H$m {ZînmXZ d {eîq>ç Ed à wi J{V{d{Y m± 1. ny±or, Ama{j{V m± Am a {Zdb yë (ii) (iii) ny±or ~ H$ H$s àm{yh $V ny±or g à{v `3000 H$amo S> h Omo `10/- yë Ho$ 300 H$amo S> nyu ê$n go àxîm eo am {d^m{ov h. g à{v, ^mav gah$ma ~ H$ H$s 68.77% B p³dq>r eo a ny±or Ym[aV H$aVr h. ~ H$ H$s Hw$b àxîm (B p³dq>r eo a) ny±or ` H$amo S> h. {dîmr df Ho$ Xm amz, ~ H$ Zo àë oh$ `10/- Ho$ 11,10,22,997 eo a A{Y mzr AmYma na ` 700 H$amo S> Ho$ Hw$b àdmh Ho$ gmw `53.05 à{v eo a Ho$ àr{ na mo½ g ñwmjv IarXmam Am a àë oh$ `10/- Ho$ 19,42,79,628 eo a A{Y mzr AmYma na `1277 H$amo S> Ho$ Hw$b àdmh Ho$ gmw ` à{v eo a Ho$ àr{ na {XZm H$ H$mo ^mav gah$ma H$mo Amd {Q>V {H$ m. A{Yeof Ed {Zdb yë {XZm H$ H$mo g mßv df Ho$ {be Hw$b Ama{j{V m± Am a A{Yeof ` H$amo S> h. Bg df ~ H$ H$m {Zdb yë ` H$amo S> go ~ T>H$a ` H$amo S> hmo J m h. bm^m e g J«bm^àXVm na {dmma H$aVo hþe {ZXoeH$ S>b Zo df Ho$ {be à{v eo a `1.20 (12%) Ho$ A {V bm^m e H$s AZwe gm H$s h. df Ho$ {be bm^m e H$a g{hv B p³dq>r bm^m e H$s Hw$b am{e ` H$amo S> h. 2. H$m H$mar n[aum Wm {XZm H$ H$mo ~ H$ Zo `727 H$amo S> Ho$ ewõ bm^ H$s gymzm Xr h Omo Wm {XZm H$ H$mo `750 H$amo S> Wm. ~ H$ H$m n[ammbz bm^ 27.95% H$s d {Õ XO H$aHo$ Wm Ho$ ` 2421 H$amo S> go ~ T>H$a Wm {XZm H$ H$mo ` 3098 H$amo S> ahm. ~ H$ H$s gh$b O mam{e 18.25% H$s d {Õ Ho$ gmw Wm {XZm H$ Ho$ ` 1,33,012 H$amo S> go ~ T>H$a Wm {XZm H$ H$mo ` 1,57,288 H$amo S> ahr. ~ H$ H$m gh$b A{J«22.57% H$s Ho$ ` 96,821 H$amo S> go ~ T>H$a Wm {XZm H$ H$mo `1,18,677 H$amo S> Ho$ gmw 22.57% d {Õ ahm, O mam H$s Am gv bmjv Ho$ 6.50% go KQ>H$a % ahr. ~ H$ H$m {Zdb ã mo m{o Z Wm {XZm H$ Ho$ 2.77% go ~ T>H$a Wm {XZm H$ H$mo 3.10% ahm. ~ H$ Ho$ {dîmr n[aum m H$s àd {Îm m± ZrMo Xr JB Vm{bH$mAm Xem B JB h : H«$ X dm{f H$ g. d {Õ (%) 1 ã mo Am % 2 ã mo IM % 3 {Zdb ã mo Am (1-2) % 4 J a ã mo Am % {Zdoem H$s {~H«$s na bm^ % AÝ J a ã mo Am % 5 {Zdb Hw$b Am (3+4) % 6 n[ammbz IM % ñq>m $ go g ~ {YV IM % AÝ n[ammbz IM % 7 n[ammbz bm^ % 8 n[ammbz bm^ (IOmZm % bm^ H$mo N>mo S>H$a) 9 àmdymz Am a AmH$pñ H$ % IM 10 {Zdb bm^ % 18

25 e s à wi bm^àxvm AZwnmV H«$ X g. (%) (%) 1 {Z{Y na à{v $b {Z{Y bmjv ã mo {dñvma (1-2) A{J«na à{v $b O m bmjv {Zdoe na à{v $b (AmaAmB S>rE $ H$mo N>mo S>H$a) H«$ bm^ H$mo N>mo S>H$a H«$ bm^ g{hv Am gv H$m H$mar {Z{Y H$s VwbZm AÝ n[ammbz IM 8 bmjv-am AZwnmV Am gv H$m H$mar {Z{Y H$s VwbZm ñwmnzm bmjv H$mamo~ma {dñvma Ed emim ZoQ>dH $ (i) Hw$b H$mamo~ma ~ H$ H$m Hw$b H$mamo~ma 20.07%H$s d {Õ Ho$ gmw Wm {XZm H$ Ho$ ` 2,29,833 H$amo S> go ~ T>H$a Wm {XZm H$ H$mo ` 2,75,965 H$amo S> ahm. (ii) O m am{e m ~ H$ H$s Hw$b O mam{e m Wm H$mo ` 1,33,012 H$amo S> go ` 1,57,288 H$amo S> ahr VWm IwXam r mxr O m Wm H$mo ` 47,517 H$amo S> go ` 49,020 H$amo S> ahm, {Og H«$ e: 18.25% VWm 3.16% H$s d {Õ hþb. (iii) H$mgm O m am{e m {dîmr df Ho$ Xm amz, ~ H$ H$s H$mgm O mam{e df -Xa-df AmYma 5.33% H$s d {Õ Ho$ gmw Wm Ho$ ` 37,398 H$amo S> H$s VwbZm ` 39,390 H$amo S> ahr. Cg go ~MV ~ H$ O mam{e df Ho$ Xm amz ` 30,669 H$amo S> VH$ d {Õ hþb Am a Mmby ImVm O mam{e ` 8,721 H$amo S> VH$ d {Õ hþb, Omo H«$ e: 6.36% Ed 1.84% H$s d {Õ h. Hw$b O mam{e Ho$ H$mgm à{vev Wm {XZm H$ H$mo 28.10% go Wm {XZm H$ H$mo 25.04% H$s H$ r ahr. (iv) 4. F$U {dñvma (i) emim ZoQ>dH $ {dîmr df Ho$ Xm amz, ~ H$ Zo emimam H$s g» m H$mo 2031 go 2136 VH$ nhþ±mm m h. ~ H$ Zo {dîmr df Ho$ Xm amz AnZo {dñvma H$mC Q>am H$mo 13 go 15 VH$ ~ T>m {X m h. g^r emimam Am a H$m m b m H$mo AÀN>r Vah go àymz H$m m b, ~ Jbyê$ Ûmam à~ {YV {H$ m OmVm h VWm ~ H$ Ho$ 32 joìr H$m m b Xoe Ho$ {d{^ýz ^m Jmo{bH$ joìm pñwv h. gh$b F$U Wm {XZm H$ H$mo g mßv hmozo dmbo {dîmr df Ho$ Xm amz ~ H$ Zo nhbr ~ma EH$ bmi H$amo S> Ho$ A{J«ñVa H$mo nma {H$ m h. df Ho$ Xm amz, F$U d {Õ Xr Ho$ ~mdoyx, ~ H$ H$m gh$b F$U Wm {XZm H$ H$mo ` 96,821 H$amo S> go 22.57% ~ T>H$a Wm {XZm H$ H$mo ` 1,18,677 H$amo S> hmo J m h. MwZm VrnyU Am{W H$ mhm b H$mo Ü mz aivo hþe, ~ H$ ~ S>o F$U {Q>H$Q> àñvmdm H$s Oyar ~hþv hr M ZmË H$ hmo J m Wm Am a ~ H$ Ûmam CÀM OmopI g n{îm m H$mo H$ H$aZo Ho$ {be gmov à mg {H$E JE h. df Ho$ Xm amz, ~ H$ Zo gah$mar CnH«$ m H$mo ` 17,290 H$amo S> F$U {X m h, {OZ go amá gah$ma H$s Jma Q>r ` 9,237 H$amo S> H$s gr m VH$ CnbãY h. ~ H$ Zo {dîmr godme {d^mj, {dîm> Ìmb Am a ^mavr [aμod ~ H$ àmßv {Xem{ZX}em H$m H$m m Ýd Z Am a F$U àñvmdm H$s ñh«$sqzj hovw g w{mv gmdymzrv Ì AnZm m h. ~ H$, {dîm Ìmb Ho$ dv mz {Xem{ZX}em Ho$ AZwgma, àymz H$m m b VWm joìr H$m m b Ho$ ñva na F$U AZw moxzm H$mo {ZnQ>mZo Ho$ {be g{ {V Ñ{îQ>H$moU H$m nmbz H$a ahm h. F$U {ZU Ho$ {be n[adv ZH$mb H$ H$aZo hovw g{ {V m H$s ~ R>H$ {OVZr ~ma g ^d hmo, Am mo{ov H$s OmVr h. AÀN>o mzh$ F$U àg ñh$au H$mo gw{z{ímv H$aZo hovw ~ H$ Zo Ho$ Xm amz gre/amb grs>ãë ye/greg/e ~re Ho$ ì mdgm{ H$m H$mo ^Vu H$aZo H$s auzr{v H$mo Omar aim. ~ H$ Ho$ F$U {d^mj H$mo {~«{Q>e ñq> S>S> g ñwmz (~regamb ) Ûmam gymzm gwajm à~ YZ àumbr Ho$ {be AmB EgAmo/ AmB B gr 27001:2005 à murh$sh$au go àë m{ V {H$ m J m h. 19

26 dm{f H$ [anmoq> ~moma àd {Îm Ho$ AZwgma, ~ H$ Zo H$B ZE CËnmXm H$s ewéamv H$s VWm J«mhH$m H$s Amdí H$VmZwgma m OyXm CËnmX ^r n[aîh $V {H$E JE. (ii) ~S>o Am a Pmobo H$m nm}aoq> ~ H$ Zo H$mnm}aoQ> F$U Ho$ g {dvau n[adv ZH$mb H$ H$aZo Ho$ Abmdm ~S>o A{J«m na ~ohva {Z ÌU Am a n doju H$m à moj H$aZo hovw {d{^ýz ^m Jmo{bH$ ñwmzm 14 ZB H$m nm}aoq> ~ qh$j emimam H$m JR>Z {H$ m h. BgHo$ gmw gmw Pm bo H$m nm}aoq> d EgE B J«mhH$m H$mo CZHo$ ZH$X à~ YZ, $m aošg, IOmZm CËnmX, ì mnma {dîm, O mam{e m, IwXam ~ qh$j, Am{X Amdí H$VmAm H$s ny{v hovw ~ qh$j H$s EgE B emime Xoe^a H$m av h. ~ H$ H$s H$mnm}aoQ>/EgE B /AmB E $~r ~ qh$j emime r mxr F$U, m J F$U, H$m nm}aoq> F$U, Aënmd{Y F$U, H$m H$mar ny Or gw{dyme ({Z{Y AmYm[aV + J a {Z{Y AmYm[aV), {~«O F$U, g yhz F$U, yb^yv gw{dym F$U, {dxoer wðm F$U, ^mdr n m ß {H$amE Ho$ à{v F$U, O go H$B F$U CËnmX d godme àxmz H$aZo Ho$ gmw-gmw Am a H$m nm}aoq> J«mhH$m H$mo CZH$s Amdí H$VmAm Ho$ AmYma na Am a ^r H$B gw{dyme àxmz H$aVr h. ~ H$ Zo E EgE B joì hovw F$U àdmh gwyma bmzo Ho$ {be g^r à wi Ho$ÝÐm E EgE B H$j ñwm{nv {H$ o h. ~ H$ Zo AÀN>r Vah go yë m {H$V H $n{z m, gah$mar CnH«$ m Am{X na Ü mz Ho$pÝÐV H$aZo Ho$ {be EH$ auzr{v H$m {dh$mg {H$ m h. VXZwgma, gah$mar CnH«$ m H$m EH$ S>mQ>m~og g {OV {H$ m J m h Am a BZ g ñwmam Ho$ gmw ~ qh$j g ~ Y H$mo EŠgßbmoa H$aZo Am a g ~ Y ñwm{nv H$aZo hovw joì H$m H$Vm Am H$mo àxmz {H$ m J m h. (iii) ~w{z mxr gw{dymam Ho$ {be {dîm BÝ «$mñq >³Ma joì Ûmam X~md H$m gm Zm {H$ m Om ahm h Bg na {dmma H$aVo hþe ~ H$ Ûmam Bg joì hovw {dîmnmofu H$aVo g gvh $ Ñ{îQ>H$moU AnZm m J m h. AV: Amdí H$ ghm H$ {dîm Ho$ gmw AÀN>r Am a ì dhm n[a moozmam H$mo {dñvm[av {H$ m J m h. BÝ «$mñq ²>ŠMa joì Ho$ A VJ V gh$b A{J«H$m Hw$b 23.40% ~H$m m h Am a BÝ «$mñq ²>ŠMa Ho$ A VJ V Hw$b EŠgnmoOa {ZYm [av joìr EŠgnmoOa H $n H$m 32% h. (iv) IwXam F$U h mao ~ H$ H$s à{v-{dh«$ (H«$m g-goqbj) Ho$ {be IwXam F$U H$mo OmopI $bmd, ~ohvarz à{v $b VWm ~S>r mìm F$U Oyar O go {Z{hV bm^ Ho$ H$maU F$U Ho$ {dh$mg Ho$ {be Bgo à wi joì mzm OmVm h. ~ H$ H$m IwXam A{J«24.98% H$s d {Õ Ho$ gmw Wm {XZm H$ Ho$ ` 29,157 H$amo S> go ~ T>H$a Wm {XZm H$ H$mo ` 36,439 H$amo S> ahm. IwXam F$U g {d^mj ~ H$ Ho$ gh$b F$U H$m 30.70% ~ZVm h. Amdmg F$U d dmhz F$U g {d^mj XmoZm Zo Wm 31 mm, 2018 H$mo H«$ e: `14,700 H$amo S> d ` 3,269 H$amo S> Ho$ ~H$m m ñva Ho$ gmw 30.50% VWm 21.38% H$s à^mdembr d {Õ Xa H$mo [ah$m S> {H$ m h. Cgr àh$ma, df Ho$ Xm amz Amdmg F$U Ho$ A VJ V CYmaH$Vm Am Ho$ {be ` 5,020 H$amo S> H$s am{e Am a dmhz F$U Ho$ A VJ V CYmaH$Vm Am Ho$ {be ` 1,525 H$amo S> H$s am{e H$s ZB Oyar Xr JB h. joì Ho$ H$m H$Vm Am Ho$ ~rm à{vñnyu ^mdzm ~ZmZo Am a A{YH$ ì dgm hm{gb H$aZo Ho$ {be df Ho$ Xm amz {d{^ýz CËnmXm Ho$ {be {deof A{^ mz Am mo{ov {H$E JE. nre EdmB (àymz Ìr Amdmg moozm) - grebegeg (H«o${S>Q> qbšs> gpãgs>r moozm) - Am{W H$ ê$n go H$ Omoa djm] / H$ Am dj / Ü Am g yh - I / Ü Am g yh - II Ho$ {be ""g^r Ho$ {be Amdmg'' moozm Ho$ VhV, ~ H$ Zo 2748 bm^m{w m H$mo ` H$amo S> Ho$ F$U g {dv[av {H$E. (v) {ejm F$U : mo½ oymdr N>mÌm H$mo {ejm F$U àxmz H$aZo Ho$ {be AË V hëd {X m OmVm h. {ejm F$U nmoq> $mo{b mo Wm H$mo ` 1,513 H$amo S> éne Ho$ ñva VH$ nhþ MZo Ho$ {be 15.15% H$s d {Õ Xa XO H$aVo hþe `199 H$amo S> H$s d {Õ hþb. (vi) gyú, bkw Am a Ü CÚmoJ (E EgE B ) joì Ho$ A VJ V H$m {ZînmXZ : {d wðrh$au Ho$ ~mdoyx, E EgE B A{J«Zo mm 2018 Ho$ A V ` H$amo S> H$s am{e Ho$ ~H$m m ñva VH$ nhþm H$a 11.06% H$s d {Õ XO H$s h. ~ H$, Wm mm 2018 H$mo gyú d bkw CÚ r (E EgB ) Ho$ A VJ V 20

27 m m m m m s a V a m V 13.40% H$s d {Õ XO H$aVo hþe `18288 H$amo S> Ho$ ñva na nhþ M J m. àymz Ìr Ho$ H$m ~b Ho$ VhV Wm mm 2018 Ho$ A V VH$ àxe Z {ZåZmZwgma h : H«$.g. {ddau mm 2018 H$mo CnbpãY bú 1 Wm 31 mm Ho$ nhbo E EgB 60.25% joì Ho$ Hw$b F$U go mbh«$mo CÚ m Ho$ {be 60% bú 2 mbh«$mo CÚ m H$s g» m à{vdf 10.61% 10% H$s d {Õ bú 3 E EgB joì Ho$ F$U à{vdf 13.41% 20% H$s d {Õ ~ H$ Ûmam, ` 2850 H$amo S> Ho$ bú Ho$ à{v ` H$amo S> Ho$ g {dvau Ho$ gmw, {dîmr df `1.69 bmi CÚ{ m H$mo H$da H$aVo hþe àymz Ìr wðm moozm (nre E dmb ) H$m H$m m Ýd Z g $bvmnyd H$ {H$ m J m h, {Oggo bú H$m 80.35% àmßv {H$ m J m h. ~ H$ Zo {dîmr df Ho$ Xm amz ñq> S>-An B {S> m moozm Ho$ VhV 2225 CÚ{ m, {OZ 1938 {hbm CÚ r em{ b h, H$mo `422 H$amo S> Ho$ F$U g {dvau H$aVo hþe CëboIZr {ZînmXZ Xem m h. (vii) F$U Ho$ m bo à{eju nyd F$U A{YH$m[a m H$s godm{zd {Îm Am a nxmoýzmo{v Ho$ H$maU, ~ H$ Zo AÀN>r Vah go à{e{jv F$U A{YH$m[a m Ho$ ~mao gmomm h. Cnamo³V H$s {Xem, ~ H$ à{e{jv F$U A{YH$m[a m H$m EH$ nyb {Z m U H$aZo Ho$ {be, ~ H$ Zo Xoe^a H$s {d{^ýz emimam Am a {Z ÌH$ H$m m b m go M {ZV A{YH$m[a m Ho$ {be JhZ F$U à{eju H$m H«$ H$s ewê$amv H$s h. (viii) AZmh[aV EŠgnmoOa H$m {ZagZ H$aZm ~ogb-iii ny Or n m ßVVm T>m Mm Ho$ A VJ V ny Or n[adv Z H$mo ~T>mZo H$m à mg, ~ S>o yë Ho$ AZmh[aV EŠgnmoOa Ho$ {ZagZ na ~ H$ Ü mz Ho$pÝÐV H$a ahm h. Bg Vah Ho$ Ñ{îQ>H$m U go Xmo Am m r à^md hmojm, AWm V bm^xm H$ CÚ {Zdoe Ho$ {be g gmyzm H$s CnbãYVm Am a H$ ny Or Am~ Q>Z. 5. àmw{ H$Vm joì ~ H$ Ho$ Hw$b àmw{ H$Vm joì A{J«H$s d {Õ ^mavr [aμod ~ H$ mzxês Ho$ 40% Ho$ à{v g m mo{ov {Zdb ~ H$ F$U (EEZ~rgr) H$m 47.70% Xem Vo hþe mm 2018 Ho$ A V ` H$amo S>> ahm. Hw$b àmw{ H$Vm joì A{J«mM H$s VwbZm `7774 H$amo S>> (19.15%) H$s d {Õ hþb. {dîmr df Ho$ {be Am gv àmw{ H$Vm joì F$U CnbpãY, Am gv EEZ~rgr Ho$ 44.15% Wm. (i) H ${f {dîm ~ H$ H$m H ${f A{J«mM 2018 H$mo ` H$amo S>> ahm, Omo g m mo{ov {Zdb ~ H$ F$U H$m 19.25% ~ZVm h. H ${f F$U `3889 H$amo S>> H$s g J«d {Õ Ho$ gmw 24.88% H$s df Xa df d {Õ Xem r JB h. {dîmr df Ho$ {be Am gv àmw{ H$Vm joì F$U CnbpãY, Am gv EEZ~rgr Ho$ 17.15% Wr. (ii) {H$gmZ H«o${S>Q> H$mS> moozm Wm H$mo drho$gr H$m ~H$m m ñva ImVm Ho$ O[aE `3329 H$amo S>> ahm. ~ H$ Ho$ {H$gmZ H$mS> A~ éno ßb Q> $m Ho$ AYrZ EQ>rE g {W V h. (iii) H$ μomoa djm] H$mo A{J«Wm mm 2018, ~ H$ Ûmam H$ μomoa djm] H$mo ~H$m m A{J«`16089 H$amo S>> Wm, Omo {ZYm [av 10% mzx S> Ho$ à{v EEZ~rgr H$m 15.87% ~ZVm h. (iv) ñd-ghm g yh (EgEMOr) ñd-ghm g yh (EgEMOr) H$mo A{J«XoZo H$s Amoa ~ H$ Zo àmw{ H$Vm Xr. EgEMOr H$mo àxmz {H$E JE A{J«m H$m A{VXo Vm ñva ` 698 H$amo S>> go Wm H$mo ` H$amo S>> ahm. ~ H$, {d{^ýz amá J«m ru AmOr{dH$m { ez Ho$ gh moj XrZX mb A Ë mox moozm - amá J«m ru AmOr{dH$m { ez (S>rEdmB -EZAmaEbE ) Ho$ H$m m Ýd Z g{h«$ m ê$n go ^mj bo ahm h {hbm ñd-ghm g K H$mo bm^mpýdv H$aHo$ S>rEdmB -EZAmaEbE Ho$ A VJ V ~ H$ Ho$ A{J«`808 H$amo S>> ahm. (v) {hbm {hvm{yh$m[a m H$mo F$U {hbm {hvm{yh$m[a m H$mo A{J«, 23% H$s d {Õ Xem Vo hþe mm 2017 Ho$ ` 9501 H$amo S>> H$s VwbZm mm 2018 ` H$amo S>> ahm. g m mo{ov {Zdb ~ H$ F$U (EEZ~rgr) Ho$ {ZYm [av bú Y 5% Ho$ à{v EEZ~rgr Ho$ 11.53% ~ H$ H$s CnbpãY h. 21

28 dm{f H$ [anmoq> (vi) gah$ma Ûmam àm mo{ov moozmam Ho$ VhV CYma gah$ma Ûmam àm mo{ov {d{^ýz moozmam Ho$ AYrZ F$U àdmh Wm H$mo {ZåZmZwgma h : H«$ moozme± g. 1 S>rEdmB - EZAmaEbE 2 S>rEdmB - EZ yebe {hvm{yh$m[a m H$s g» m mm 2017 H$mo ~H$m m F$U am{e nre B Ornr (vii) AZwgy{MV Om{V/AZwgy{MV OZOm{V H$mo A{J«AZwgy{MV Om{V/AZwgy{MV OZOm{V H$mo Hw$b A{J«mM 2018 ` 2045 H$amo S>> ahm. (viii) Aëng» H$ g wxm m H$mo F$U mm 2018 H$mo Aëng» H$ g wxm m H$mo {XE JE A{J«m H$s mìm ` 6539 H$amo S>> h Am a gah$mar mzxês> Ho$ 15% Ho$ à{v h Hw$b àmw{ H$Vm joì Ho$ A{J«m H$m 15.04% ~ZVm h. (ix) AJ«Ur ~ H$ moozm (x) h mao ~ H$ H$mo H$Zm Q>H$ amá Ho$ VrZ {Obm AWm V ÊS>çm, YmadmS> Am a hmdoar {Obm AJ«Ur ~ H$ H$s {Oå oxmar h. g^r VrZ {Obm Ho$ AJ«Ur {Obm à~ YH$ g ~ {YV {Obo H$s g^r ~ H$ emimam Ho$ gmw g Ýd H$aHo$ dm{f H$ F$U moozm, gah$ma Ûmam àm mo{ov moozm, àymz Ìr $gb ~r m moozm (nre E $~rdmb ), {dîmr g mdoez, gmoeb gwajm moozme, {S>{OQ>b ~ qh$j, AmYma grqs>j, grym bm^ A VaU moozm Am{X Ho$ AYrZ bú m H$s àm{ßv gw{z{ímv H$aVo h. $gb ~r m: ^mav gah$ma Zo H$ ~r m àr{ Ho$ gmw m OyXm $gb ~r m moozmam Ho$ ñwmz na àymz Ìr $gb ~r m moozm (nre E $~rdmb ) ewê$ H$s h. h mao ~ H$ Zo Ho$ Iar $ Am a a~r m g Ho$ Xm amz g{h«$ ê$n go ^mj {b m Am a nre E $~rdmb Ho$ VhV {H$gmZm H$mo H$da {H$ m. (xi) dramb ~regb Q>rAmB ({do m ~ H$ ñd-amoojma à{eju g ñwme ) ~ H$ Zo H$Zm Q>H$ amá Ho$ S>çm d hmdoar Am a Ü àxoe amá Ho$ B Xm a {do m ~ H$ ñd-amoojma à{eju g ñwmam (dramb ~regb Q>rAmB ) H$s ñwmnzm H$s h. o g ñwme {d{^ýz ì mdgm{ H$ à{eju/h$m eb CÝZ Z/OmJê$H$Vm H$m H«$ m Am a CÚ r {dh$mg H$m embme Am{X H$m Am mooz H$a ahr h. J«m ru {dh$mg Ìmb (E AmoAmaS>r), ^mav gah$ma Zo {dîmr df g^r VrZm dramb ~regb Q>rAmmB H$mo CÀMV J«oqS>J "EE' J«oS> {X m h. Mmby df Ho$ Xm amz dramb ~regb Q>rAmB Ûmam 87 H$m H«$ Am mo{ov {H$E JE {Og 2399 bm^mwu à{e{jv hþe. àma ^ Hw$b 1624 H$m H«$ Am mo{ov {H$E JE Am a bm^m{w m H$mo à{eju {X m J m. bm^h$mar ñdamoojma CnH«$ Ho$ gmw à{e{jv Aä {W m H$m {ZnQ>mZ Wm H$mo bj^j 70% ahm. (xii) {do m J«m ru {dh$mg à{vð>mz (dramas>re $) {dh$mg H$m H«$ m Ho$ {be EH$ M àxmz H$aZo Ho$ {be VWm H ${f, newnmbz, J«m ru CÚmoJ, godme Am{X VWm AÝ J«m ru {dh$mg joìm O go gmjavm, ñd amoojma, ñdmñï Am a ñdàn>vm joì d km{zh$, e {jh$ Am a {dh$mgmë H$ J{V{d{Y m Ho$ {be ~ T>mdm XoH$a J«m ru joìm {dñvma J{V{d{Y m H$m g MmbZ H$aZo Ho$ {be df 1990 ~ H$ Ûmam Jbya {do m J«m ru {dh$mg $mc S>oeZ (dramas>re $) ñwm{nv {H$ m J m. dramas>re $, {d{^ýz {df m H$mo H$da H$aVo hþe J«m {dh$mg n[afx (drs>rgr) Ho$ mü go {d{^ýz OmJê$H$Vm H$m H«$ m H$m Am mooz H$a ahm h. {dîmr df Ho$ Xm amz ñwmf{nv 5 drs>rgr g{hv dv mz Eogo 49 drs>rgr H$m H$a aho h. $mc S>oeZ H$s J{V{d{Y m X{jU H$ÝZ S>, CSw>nr, H$mgaJmoS> Am a CÎmam H$ÝZ S> {Obo Ho$ {ZH$Q>dVu ^mjm Am a hmdoar, Ymadm S> Am a S>çm O go AÝ {Obm $bo h Ohm ~ H$ H$s AJ«Ur ~ H$ {μoå oxmar h. {dîmr df Ho$ Xm amz, dramas>re $ Zo {hvm{yh$m[a m H$mo bm^mpýdv H$aHo$ 283 H$m H«$ m H$m Am mooz {H$ m h. dramas>re $ Ûmam AnZr ñwm{nzm Ho$ ~mx go h gmbmzm Am mo{ov H$m H«$ m H$s g~go Á mxm g» m h. ñwmnzm Ho$ ~mx go 1969 H$m H«$ m H$m Am mooz {H$ m h Am a bm^m{w m H$mo bm^mpýdv {H$ m h. 22

29 U e r m u V m a m Ho$ Xm amz Am mo{ov Hw$N> ZE H$m H«$ {ZåZàH$ma Wo : J«m rum Ho$ ~rm Ob g aju Ho$ ~mao OmJê$H$Vm n Xm H$aZo Ho$ {be N>V Ho$ dfm Ob g M Z m S>b, Omo {XZ H$s Amdí H$Vm h. AjdmZr Jbya Ho$ mü go J{UV, A J«oOr Am a {dkmz 10dt H$jm H$ÝZ S> mü J«m ru {dúmb Ho$ N>mÌm H$mo ao{s> mo H$jmE. H ${f noeo é{m {dh${gv H$aZo Ho$ {be N>mÌm H$mo ào[av H$aZo Ho$ {be 50 {dúmwu H ${f g Km H$m JR>Z gãor Ho$ ~ro H$m {dvau 6. {dîmr g mdoez (i) à wi CnbpãY m ~ H$ H$mo ~ qh$j gw{dym CnbãY H$amZo Ho$ {be nyao Xoe 3410 Jm dm Am a 20 whëbm H$mo { bmh$a Hw$b 1151 Cn godm joì Am~ {Q>V {H$E JE h. ~ H$ Zo 289 emimam Ho$ O[aE Am a ~mh$s ~ H$ { Ì (H$mamo~ma g dmxxmvm EO Q>) Ho$ O[aE BZ Jm dm ~ qh$j gw{dyme CnbãY H$amB JBª. àymz Ìr OZ YZ moozm (nre OoS>rdmB ) Xoe Ho$ {~Zm ~ H$ H$s gw{dym dmbo g^r n[admam H$mo ~ qh$j gw{dym CnbãY H$amZo Ho$ bú Ho$ gmw yb ~ H$ ImVm, ` 1.00 bmi H$m XþK Q>Zm ~r m ajm Ho$ gmw éno H$mS>, ` 30000/- H$m OrdZ ~r m Am a ImVm g VmofOZH$ bozxoz Ho$ AmYma na `5000/- VH$ H$s AmodaS >mâq> gw{dym CnbãY H$amVo hþe mzzr àymz Ìr Zo {XZm H$ H$mo ewê$amv H$s Wr. Wm {XZm H$ 31 mm 2018 H$mo ~ H$ Ho$ nmg ` H$amo S> Ho$ Hw$b ~MV Ho$ gmw bmi AmYma ~MV ~ H$ O m ImVo Wo. g^r g{h«$ ImVm H$mo éno S>o{~Q> H$mS> CnbãY H$amE JE. nre OoS>rdmB ImVm AmYma grqs>j à{vev, mm % H$s VwbZm mm % ~T> J m h. g{h«$ ImVm AmYma grqs>j, mm % go mm % VH$ ~T> J m h. ~ H$ Zo 9442 nre OoS>rdmB ImVm YmaH$m H$mo ` bmi H$s am{e H$s AmodaS >mâq> gw{dym Oya H$s h. (ii) {dîmr g mdoez J{V{d{Y m H$s w» ~mv g^r emimam B -Ho$dmB gr Am a hmw dmbr erz / gyú n EQ>rE gj {H$E JE h. éno H$mS> bozxoz g^r ~rgre ñwmzm na bmjy {H$ m J m h. g^r gyú EQ>rE H$mo n[amm{bv {H$ m J m h. ~m mo {Q >H$ à murh$au Ho$ {~Zm Vrgar nmq>u go ~ H$ ImVo ZH$X ñdrh$ma H$amZm g^r EMEME /{H$ moñh$ gj {H$ m J m h. joì H$m H$Vm Am H$mo gj ~ZmZo Ho$ {be Z m E AmB Eg Am a H$mamo~ma g dmxxmvmam Ho$ {ZînmmXZ H$s {ZJamZr H$aZo hovw {Z ÌU H$m m b {dh${gv {H$E JE h. nmoq> b Ho$ O[aE {H$E JE bozxozm H$s g» m, {XZ H$s ewê$amv / {XZ Ho$ A V H$s pñw{v Am{X go g ~ {YV E AmB Eg [anmoq>m] H$m Cn moj H$aVo hþe X {ZH$ AmYma na H$mamo~ma g dmxxmvmam H$s {ZJamZr hovw àymz H$m m b {Z ÌU H$j H$s ñwmnzm (iii) {dîmr df Ho$ Xm amz {deof nhb : {dîmr g mdoez nhbm Ho$ {be {deof S >mbd H$m Am mooz $adar 2018 Ho$ hrzo, H$da Z {H$E JE {H$gr ^r ì {³V Ho$ {be OZ-YZ ImVm H$mo ImobZo Am a Imobo JE Ag{H«$ ImVm H$m gh«$s U, éno H$mS> Omar H$aZo VWm AmYma grqs>j d g^r g{h«$ ImVm H$m A{Yà muz na Ü mz Ho$pÝÐV {H$ m h. ~ H$ Zo Am nmm[ah$ Am a AZm nmm[ah$ {dîm H$s gr mam na AÜ Z Ho$ gmw gmw H$Zm Q>H$ {dîmr CnH$aUm H$s àh ${V Ho$ g ~ Y amîq >r CÝZV AÜ Z g ñwmz, ~ Jbyê$ Ho$ mü go EH$ emoy àm mo{ov {H$ m h. (iv) {do m {S>{OQ>b Jm d : h mao ~ H$ Zo nyao ^mav "{do m {S>{OQ>b Jm d' n[a moozm Ho$ A VJ V 105 Jmdm H$mo JmoX {b m h. CZ go 101 Jm d Mmby {dîmr df Ho$ Xm amz JmoX {be h. lr Aê$U OoQ>br, mzzr {dîm Ìr, ^mav gah$ma Zo Bg {S>{OQ>b Jm d n[a moozm H$m 26 AJñV, 2017 ew^ma ^ {H$ m. moozm Ho$ A VJ V : g^r Jm ddmbm H$mo OZ YZ ImVm Ho$ gmw H$da {H$ m J m h. 23

30 dm{f H$ [anmoq> ImVm YmaH$m H$mo éno S>o{~Q> gh EQ>rE H$mS> Omar {H$ m J m h. {S>{OQ>b ~ qh$j CËnmX O go mo~mbb ~ qh$j, ZoQ> ~ qh$j Am a EgE Eg AbQ> gw{dym Ho$ ~mao àmoëgm{hv {H$ m J m h. ImVm YmaH$m H$mo nre Eg~rdmB Am a nre OoOo~rdmB Ho$ A VJ V H$da {H$ m OmVm h. ~ H$ H$s bmjv na Jm dm dmb - $mb gw{dym àxmz H$s JB h. BZ Jmdm {S>{OQ>b ~ qh$j bozxoz gwyma hþam h. (v) {dîmr gmjavm : ~ H$ Zo {dîmr m bm go g ~ {YV g^r ehar d J«m ru OZVm H$mo gmjavm CnbãY H$amZo Ho$ bú Ho$ gmw {XZm H$ H$mo ""{do m {dîmr gmjavm Ý mg'' (dre $EbQ>r) H$s ñwmnzm H$s h. h Zo 3 ZE E $Ebgr Imobo h {Ogo { bmh$a Hw$b 18 E $Ebgr h {OgH$m à~ YZ nam e XmVm Ûmam {H$ m OmVm h Omo godm{zd Îm AZw^dr ~ H$ H$ Mmar h. E $Ebgr Ho$ mü go Q >ñq> {d{^ýz {dîmr gmjavm H$m H«$ m Am a H«o${S>Q> nam e J{V{d{Y m H$m Am mooz H$aVm h. J«m ru Am a ehar joìm "àymz Ìr OZ YZ moozm' na OmJê$H$Vm $bmzo Ho$ {be ~ H$ Zo ImVo ImobZo Ho$ {be {e{da Am a AÝ gmjavm H$m H«$ m {XImE OmZo Ho$ {be joìr ^mfm Am {S> mo { $ë V ma {H$ m h. nre OoS>rdmB ImVm YmaH$m Am a AÝ J«m ru Ed ehar OZVm H$mo {dîmr gmjavm H$s OmZH$mar XoZo Ho$ {be emimam H$mo joìr ^mfmam {dîmr gmjavm gm J«r ^r CnbãY H$amB JB h. Q >ñq> gm m{oh$ gwajm moozm O go àymz Ìr gwajm ~r m moozm (nre Eg~rdmB ), àymz Ìr OrdZ Á mo{v ~r m moozm (nre OoOo~rdmB ) Am a AQ>b n ez moozm (EnrdmB ) Ho$ àmma àgma Ho$ {be g{h«$ Vm go gh^m{jvm H$a ahm h. df Ho$ Xm amz, Q >ñq>zo, 3,12,977 à{v^m{j m Ho$ gmw 6923 OmJéH$Vm H$m H«$ m H$m Am mooz {H$ m h Am a 45,786 H$mo nam e {dñvm[av {H$ m h. CZ go, 18,951 ì {³V m Zo AnZo ~ H$ ImVo Imobo h Am a 6223 gxñ m H$mo {d{^ýz gm m{oh$ gwajm moozm O go nre Eg~rdmB / nre OoOo~rdmB Am a EnrdmB Ho$ VhV em{ b {H$ o J o h. (vi) àë j bm^ A VaU ~ H$ EbnrOr J«mhH$m Ho$ AmYma g» m H$mo CZHo$ ImVo XO H$aVo hþe ^mav gah$ma Ho$ g emo{yv S>r~rQ>rEb H$m H«$ H$mo g{h«$ Vm go H$m m pýdv H$a ahm h. {d{dy mü m Ho$ O[aE CZHo$ ImVo AmYma g» m XO H$aZo Ho$ {be g^r J«mhH$m H$mo gvv ê$n go EgE Eg AbQ> ^r ^oom OmVm h. (vii) BboŠQ >m {ZH$ bm^ A VaU ~ H$ ""EH$ {Obm EH$ ~ H$ m S>b'' moozm Ho$ AYrZ ~ H$ { Ìm Ho$ O[aE S>çm {Obm Xmo bmi go A{YH$ bm^m{w m H$mo à{v mh ` 8.00 H$amo S> go A{YH$ H$s am{e H$s gm m{oh$ gwajm n ez/e EZAmaB OrE g {dv[av H$aVm h. h mao ~ H$ Ho$ nmg AbJ go {dîmr g mdoez H$j ÊS>çm, H$Zm Q>H$ amá h Ohm {d{^ýz gm m{oh$ gwajm n ez/ E EZAmaB OrE H$s A{YH$ g» m {hvm{yh$m[a m Ho$ ImVo h mao ~ H$ Ho$ nmg "EH$ {Obm EH$ ~ H$ m S>ob' moozm Ho$ VhV h. 7. IOmZm Am a A Vam îq >r n[ammbz IOmZm {d^mj J{Verb ~moma e{³v m Ho$ gmw g nh $ H$a, CÝh g PZo Am a ~ H$ Ho$ {be bm^ Eogr g P H$mo ~XbZo H$m hëdnyu H$m H$aVm h. IOmZm {d^mj ~ H$ H$mo AnZo ~moma OmopI, VabVm OmopI Am a n[ag n{îm Am a Xm{ Ëd Ho$ A Va H$mo à~ {YV H$aZo Ho$ {be hëdnyu ~moma {Z{d{îQ> m± Am a A VÑ {îq> àxmz H$aVm h. IOmZm {d^mj ^mavr [aod ~ H$ Ûmam {ZYm [av gm {d{yh$ Ama{jV {Z{Y Ho$ gramaama Am a EgEbAma H$m aiaimd H$aVm h, Kaoby Am a {dxoer wðm ~ H$ H$s Aënmd{Y H$s VabVm Amdí H$VmAm H$mo à^mdr T> J go nyam H$aVm h, ~ H$ Ho$ EgEbAma Am a J a EgEbAma {Zdoe ~hr H$m à~ YZ H$aVm h, ã mo Xa, B p³dq>r Am a {dxoer wðm Ho$ ànì H$m bozxoz H$aVm h, ~momam CnbãY A VanUZ Adgam H$m Cn moj H$aVm h Am a ~ H$ Ho$ n[ag n{îm Xo Vm à~ YZ hëdnyu ~moma go g ~ {YV BZnwQ> ^r àxmz H$aVm h. IOmZm {d^mj H$m m Ë H$ ê$n go «$Q> Am { $g, ~ H$ Am { $g Am a { S>-Am { $g Ho$ ê$n {d^m{ov {H$ m J m h. «$Q> Am { $g CYma J{V{d{Y m H$m H$m {H$ m OmVm h, O~{H$ ~ H$ Am { $g «$Q> Am { $g bozxoz Ho$ boim H$Z, yë m H$Z Am a g mymz H$m H$m {H$ m OmVm h. { S>-Am { $g IOmZm Ho$ boz-xoz J{V{d{Y m 24

31 r Z e m j m V y a Y m g H$s {ZJamZr H$aZo Ho$ {be gw{z{ímv H$aVm h {H$ do {ZYm [av {Zdoe Zr{V Am a {Z m H$ {Xem{ZX}em Ho$ AZwgma {H$E OmVo h. {ZJamZr ñdv ÌVm gw{z{ímv H$aZo Ho$ {be, { S>-Am { $g OmopI à~ YZ {d^mj Ho$ à wi H$mo [anmoq> H$aVm h Ho$ Xm amz IOmZm n[ammbz H$m gma ZrMo {X m J m h : (i) ~moma n[añí : H$s nhbr N> mhr Ho$ Xm amz ã mo Xa gr m~õ Wt, {Og 10 df Ho$ ~ M mh $ ~m ÝS> Q >oqs>j 6.42% go 6.99% H$s à{v $b gr m Wo. df H$s Xÿgar N> mhr 03 AŠQy>~a, 2017 H$mo à{v $b 6.65% go 06 go mm 2017 H$mo 7.78% H$s ~ T>moVar XoIr JB, Omo {H$ H$maH$m Ho$ g mooz, wðmñ $s{v na g»v Ñ{îQ>H$m U, ~ T>Vr Vob H$s H$s V, gah$ma Ho$ {dîmr KmQ>o Ho$ bú Am a A o[ah$m Am a MrZ Ho$ ~rm ì mnma wõ H$s qmvmam H$mo IË H$aZo g ~ Yr H$maUm Ho$ ~mao h. df Ho$ {be gah$ma Ho$ AnZo ~m ÝS> H$m H«$ H$mo VH $g JV ~ZmZo 10 df H$m ~ M mh $ df A V na 7.40% ahm. yeg o$s>ab H$s ~ T>moVar Am a ì mnma wõ Ho$ ^ na A{Z{íMVVmAm Ho$ MbVo gwymam go nhbo OZdar 2018 Ho$ Xm amz ^mavr {Zdoe ~moma Kaoby {ZdoeH$, ZoQ> E $AmB AmB àdmh Am a gh$mamë H$ ì mnma ^mdzmam go ào[av hþe. EZEgB {ZâQ>r 50 Zo df Ho$ Ama ^ 9238 Ho$ ñva na ewê$amv H$s, Omo 29 OZdar, 2018 H$mo Ho$ CÀMV ñva VH$ nhþ M J m Am a df Ho$ A V na ~ X hþam. én m dm{f H$ Ho$ ñva na Iwbm Am a go Ho$ ~rm H$mamo~ma {H$ m, Omo {dîm df 2017 Ho$ g mßv hmozo go nhbo ewéamvr ñva na én o m Bggo H$ Ho$ A V VH$ nhþ M J m. O~{H$ eo a ~moma A Vdm h én o Zo ghm Vm H$s, dht o$s> aoq> H$s ~ T>moVar go qmvm hþb, A o[ah$m Am a CÎmar H$mo[a m Ho$ gmw-gmw A o[ah$m Am a MrZ Ho$ ~rm ì mnma wõm Ho$ IVao Zo ^r Bgo à^m{dv {H$ m. (ii) {Zdoe ~hr ~ H$ Ho$ g gmyzm H$m EH$ ~ S>m {hñgm IOmZm Ûmam à~ {YV {H$ m OmVm h, Omo {dîm df Ho$ Xm amz 32.01% Ho$ Am gv {Zdoe O m AZwnmV go ñnîq> h. df Ho$ Xm amz, {Zdoe ~hr Wm H$mo ` 44, H$amo S> go KQ>H$a Wm H$mo ` 40, H$amo S> ahr. EgEbAma {Zdoe ` 40, H$amo S> go KQ>H$a ` 35, H$amo S> ahm, O~{H$ J a-egebama {Zdoe ` 4, H$amo S> go ~ T>H$a ` 5, H$amo S> ahm. {dîm df Ho$ Xm amz, ~ H$ Zo ^mav gah$ma Ho$ ny Or {Zdoe H$m H«$ Ho$ VhV ^mav gah$ma Ûmam Omar {H$E JE nwznyªorh$au ~m S> ` 1,277 H$amo S> H$m {Zdoe {H$ m h. Am gv {Zdoe ` 44, H$amo S> H$s VwbZm ` 42, H$amo S> Wm. {Zdoe na à{v $b {dîm df % H$s VwbZm {dîm df % Wm. (iii) IOmZm n[ammbz go ã mo H$s Am IOmZm n[ammbz go ã mo H$s Am Wm ` 3, H$amo S> go KQ>H$a Wm `3, H$amo S> ahr, Omo {H$ {Zdoe g {d^mj H$ r Ho$ AZwê$n h. (iv) IOmZm n[ammbz go bm^ {dîm df Ho$ Xm amz, ` H$amo S> Ho$ bm^ H$s VwbZm ~ H$ Ho$ IOmZm Zo Or-goH$, B p³dq>r Am a {dxoer wðm S>oñH$ AnZr ì mnm[ah$ J{V{d{Y m go {dîm df ` H$amo S> H$m bm^ àmßv {H$ m. wðmñ $s{v Ho$ Ñ{îQ>H$moU Am a amoh$mofr KmQ>m H$mo O~yV H$aZo Ho$ H$maU ~ M mh $ Ho$ 10 gmb Ho$ à{v $b ApñWaVm Ho$ n[aum ñdê$n bm^ à^m{dv hþam. (v) B p³dq>r go bm^m e Am ~ H$ Zo {dîmr df ` 3.13 H$amo S> Ho$ wh$m~bo AnZo B p³dq>r {Zdoe go {dîmr df ` 7.84 H$amo S> én o H$m bm^m e A{O V {H$ m h. (vi) {ZYr Z H$m {d{y m Am gv {Zdb CYma {dîm df Ho$ Xm amz 6.27% H$s Xa go ` 6,962 H$amo S> H$s VwbZm {dîm df Ho$ Xm amz 5.89% H$s Xa go ` 4, H$amo S> Wm. {nn>bo df H$s VwbZm CYma bozo H$s bmjv, w» ê$n go {dîm df ~rnreg Ûmam nm {bgr Xam H$ r Am a {d{^þ CYma mjm] Ho$ Ý m g JV { lu Ho$ H$maU 38 ~rnreg KQ> JB h. (vii) gramaama / EgEbAma H$m AZwajU ~ H$ Zo ^mavr [aod ~ H$ Ûmam Mmby df Ho$ Xm amz bjmb JB gramaama AnojmAm g{hv gramaama / EgEbAma AnojmAm H$m AZwnmbZ {H$ m h. 25

32 dm{f H$ [anmoq> (viii) ~moma OmopI ~moma OmopI Ho$ {be ny OrJV à^ma Wm 31 mm 2018 H$mo ` H$amo S> Ho$ AmaS>ãë ye g{hv ` H$amo S> H$s VwbZm Wm 31 mm 2018 H$mo ` 8, H$amo S> Ho$ AmaS>ãë ye g{hv ` 8, H$amo S> Wm. AmaS>ãë ye h H$ r {Zdoe nmoq> $mo{b mo H$ r Ho$ H$maU h. (ix) A Vam îq >r ~ qh$j {dxoer wðm ì mnma H$aZo Ho$ {be ~ H$ H$s 36 emime Zm{ V h. BgHo$ Abmdm, ~ H$ Ho$ nmg àymz H$m m b, ~ Jbyé H$bm EH$sH $V S>rqbJ ê$ H$m h, Omo h mao J«mhH$m Ho$ {be 9 à wi wðmam Xam H$mo CÕ V H$aZo Ho$ {be gwgp mv h. Wm {XZm H$ H$mo ~ H$ H$m {Z m V F$U df - Xa-df AmYma na 2.86% H$s d {Õ Xem Vo hþe ` H$amo S> ahm. Cn w ³V go, {dxoer wðm {Z m V F$U H$s mìm A o[ah$s S>m ba { {b Z ahm. {dîmr df Ho$ {be, ~ H$ H$m {dxoer {d{z H$mamo~ma nê mdv `18,350 H$amo S> ahm. ~ H$ H$s Hw$b EZAmaAmB O mam{e m Wm {XZm H$ H$mo 7.77% H$s d {Õ XO H$aVo hþe, {nn>bo {dîmr df Ho$ A V VH$ ` H$amo S> Ho$ à{v ` H$amo S> ahm. {dîmr df Ho$ Xm amz, ~ H$ Zo Xoe H$ht ^r h mar emimam Ho$ gmw BboŠQ >m{zh$ ê$n go Im S>r go AnZo ImVo YZ àofu H$aZo hovw gj H$aZo Ho$ {be Ab A gmar EŠgM O g w³v yeb Am a Ab ~Xa EŠgM O, yeb Ho$ {be ñnrs>/âb e àofu gw{dym Am a dmb ñq >rq> EŠgM O Ho$ {be "ñnrs> àofu' gw{dym àxmz H$aZm Omar aim h. àymz H$m m b, ~ Jbyê$ EZAmaAmB J«mhH$ H$j H$s ñwmnzm H$s h. h H$j {deof ê$n go h mao EZAmaAmB J«mhH$m H$s Amdí H$VmAm H$mo nyam H$a ahm h. ~ H$ Zo S>rE Eg gm âq>do a Ho$ O[aE gr~reg {dxoer wðm bozxoz Ho$ à{h«$ m àdmh Ho$ EH$sH$aU, ^mavr [aod ~ H$ Ho$ B S>rnrE Eg nmoq> b d {Õ, Am mv g ~ {YV bozxoz Am{X H$mo H $ßMa H$aZo Am a {ZJamZr H$aZo Ho$ {be AmB S>rnrE Eg H$m H$m m Ýd Z, Am{X Ho$ mü go, {d{^ýz VH$ZrH$s g W Z {gñq> H$mo g $bvmnyd H$ AnJ«oS> {H$ m h. BgHo$ A{V[a³V, EgS>ãë yamb E $Q>r n[ammbz gmb~a gwajm go g ~ {YV g ñ mam Ho$ g mymz {H$E JE h Am a o nyu ê$n go V ma h. bozxoz Ho$ Ëd[aV d Hw$eb {dvau Ho$ gmw àymz H$m m b Ho$ H $ÐrH $V {dxoer wðm àmogoqgj H$j Ho$ mü go nyao Xoe Ho$ J«mhH$m H$mo g J«{dXoer wðm H$mamo~ma Amdí H$VmAm H$mo nyam H$aZo Ho$ gmw-gmw A Vam îq >r ~ qh$j à^mj bozxoz H$s Eogr O{Q>b Am a {d{dy àh$ma Ho$ {ZînmXZ H$s AZwHy$bV AZwnmbZ Om±M ^r gw{z{ímv H$aVr h. 8. OmopI à~ YZ {do m ~ H$ Zo EH$ AÀN>r Vah go n[a^m{fv Am a O~yV OmopI à~ YZ T>m Mm AnZm m h. OmopI Am a [aq>z Ho$ ~rm EH$ C{MV ì mnma Ho$ gmw, S >mbqdj d ë y Ho$ Xm amz, ny Or H$mo à^mdr T> J go Cn moj {H$ m OmVm h h gw{z{ímv H$aZo Ho$ {be ì dgm H$m Ho$ gmw gmpoxma Ho$ ê$n OmopI à~ YZ H$m H$aVm h. OmopI à~ YZ H$m H$mo ~ogb II {Xem{ZX}em AWm V F$U OmopI, ~moma OmopI, n[ammbzmë H$ OmopI Am a Mb{Z{Y OmopI Ho$ VhV n[a^m{fv {gõm V OmopI m Ho$ AmYma na {d^m{ov {H$ m J m h. ^mavr [aod ~ H$ Ûmam {ZYm [av g -gr m Ho$ AZwgma ~ H$ Zo ZB ny Or n m ßVVm T>m Mo H$mo bmjy {H$ m h. hmbm {H$, ~ H$ Zo ewê$amv, H«o${S>Q> OmopI Ho$ {be mzh$sh $V Ñ{îQ>H$moU, ~moma OmopI Ho$ {be mzh$sh $V Ad{Y {d{y Am a n[ammbz OmopI Ho$ {be yb g Ho$VH$ Ñ{îQ>H$moU H$mo AnZm m h, A~ VH$ {H$E JE / AZw m{zv nhb ~ogb {Xem{ZX}em Am a A{YH$ CÝZV ny Or mn Ho$ Ñ{îQ>H$moU hovw ~ H$m H$mo {ZYm [av mzh$m H$m AZwnmbZ H$aZo gj ~ZmZo Ho$ {be V ma h. ~ qh$j CÚmoJ gdm}îm AmB EgE Eg àwmam Ho$ {be ~ H$ Ho$ OmopI à~ YZ {d^mj H$mo à{v{ð>v AmB EgAmo 27001: 2013 go gå m{zv {H$ m J m h. OmopI à~ YZ H$mo Am a O~yV ~ZmZo Ho$ EH$ {hñgo Ho$ ê$n, ~ H$ Zo Ho$ {dîmr df Ho$ Xm amz {ZåZ{bpIV ZB nhb ewé H$s h. ~ H$ IwXam nmoq> $mo{b mo na Ü mz XoZo Ho$ gmw ~ H$ Ho$ bú Am a OmopI àmoμ $mbb Ho$ gmw g aopiv H$aZo Ho$ {be ny Or AZwHy$bZ VH$ZrH$ H$m bm^ CR>mVm h nmì ~møv: yë m {H$V ImVm Ho$ H$daoO {Za Va gwyma ~ohva JwUdÎmm dmbo F$U nmoq> $mo{b mo Ho$ {be H$ JwUdÎmm F$U nmoq> $mo{b mo H$m WZ EH$b Am a g yh CYmaH$Vm Am Ho$ {be AbJ AbJ EŠgnmoOa A{YH$V gr m bmjy H$aZo hovw, go³q>mo[a b H $n H$m AZwajU O go mzxês> VZmdJ«ñV joìm Ho$ {be EŠgnmoOa gr{ V H$aZm 26

33 e s a V m J n F$U ImVm Ho$ {be OmopI AmYm[aV yë {ZYm au H$aZm aoqq>j m S>bm H$mo O~yV H$aZo Ho$ {be aoqq>j m S>bm Ho$ ~mhar Am a Am V[aH$ d YrH$aU à{eju Am a B -{ejm Ho$ mü go OmopI à~ YZ na joìr H$m H$Vm Am H$s g doxzerbvm ~r m H$da, ZE gwajm Cnm m O go C{MV OmopI {ZdmaU Cnm m Ho$ {be ajmonm ~ H$m H$s g n{îm m Ûmam {g $m[ae gwymamë H$ H$ma dmb moozmam H$s n[a{z mooz Ho$ Ûmam àumbr Am a à{h«$ mam gwyma OmopI mn àumbr H$mo ^r g^r amoh$mof g ~ {YV CËnmXm AWm V IOmZm Zr{ AZw mo{xv S>o[ado{Q>d, B p³dq>r, OrgoH$, {dxoer wðm Ho$ {be aim J m h. Ama~rAmB Ho$ VZmd narju T>m Mo Ho$ AZwgma ì mnm[ah$ nwñvh$ Ho$ {be X~md narju {Z { V ê$n go Am mo{ov {H$ m OmVm h Am a ~ H$ Zo Ama~rAmB Ho$ AmB E E {Xem{ZX}em Ho$ VhV X~md narju Ho$ {be AnZo ñd Ho$ n[añí ^r ~ZmE h. ~ H$Q>rpñQ> J {Z { V ê$n go g^r dreama m S>bm Ho$ {be O go Eo{Vhm{gH$ {g wboez Ñ{îQ>H$moU, {d[ae g H$modo[a g Ñ{îQ>H$moU Am a m Q>o H$mbm} {g wboez Ñ{îQ>H$moU, Am mo{ov {H$ m OmVm h. J«mhH$m Ho$ {be A{YH$ gwa{jv dmvmdau ~ZmZo Ho$ {be ~ H$ {Z m H$ {Xem{ZX}em Am a A Vam îq >r gdm}îm àwmam H$mo bmjy H$aHo$ gymzm gwajm Am a gmb~a gwajm àwmam H$mo H$m m pýdv H$aZo H$s {Za Va à{h«$ m h. (i) F$U OmopI ~ H$ Zo ì mnh$ CYma Zr{V VWm F$U OmopI à~ YZ Zr{V ~ZmB h {OZ {d{^ýz nhbwam H$mo O go OmopI H$s àd {Îm, OmopI AmYm[aV yë Z, OmopI {d{dyrh$au/{zdmau H$m Zr{V, Wmo{MV gr me, n m ßV F$U gr me, g yh F$U gr me, aoqq>jdma F$U gr me, A{Y mý joì d {Õ H$s H$m Zr{V, F$U AZw moxz à{h«$ m, àboiz d gwajm mzh$, gwajm yë m H$Z Am{X H$mo em{ b {H$ m J m h. ~ H$ Ho$ H$mamo~ma moozm d H$mnm}aoQ> bú mo Ho$ AmYma na o Zr{V m g g na g emo{yv H$s OmVr h. F$U g {d^mj Ho$ {be VZmd, O go {H$ EZnrE ~T>moÎmrar, nwzj {R>V mzh$ ImVm H$s { $gbz, H$mC Q>a nmq>u aoqq>j {JamdQ>, g nm{íd H$ H$s H$ r, Am{X Ho$ H$maU F$U OmopI Ho$ {be VZmd narju AY dm{f H$ Ho$ AmYma na {H$ m OmVm h. AmJo, ~ H$ Zo ì mnh$ OmopI aoqq>j/ñh$mo[a J àumbr ~Zm r h Omo H$mC Q>a nmq>u na {d{dy OmopI H$maH$m H$m EH$b q~xþ gymh$ h VWm C{MV VWm pñwa ê$n go F$U {ZU bozo Ho$ {be Cn mojr h. Amdmg d AÝ IwXam joìm Ho$ {be AbJ OmopI ñh$mo[a J m S>b H$mo ^r V ma {H$ m h Vm{H$ OmopI aoqq>j H$m H$m A{YH$V àmdau gw{z{ímv {H$ m Om gho$. ` 1.00 H$amo S>> go A{YH$ CYma Ho$ g ~ Y AY -dm{f H$ Vm a na A{^J Z {dícofu {H$ m J m h. ~ H$ Zo {H«${gb am gmâq>do a H$m Cn moj H$aVo hþe g^r IwXam d J a-iwxam F$Um Ho$ OmopI aoqq>j H$s ewê$amv H$s h, Omo ~ogb II g W H$ h. h gmâq>do a ~ H$ Ho$ g^r àh$ma Ho$ F$U H$mo Oyar go nhbo F$U lourh$au Ho$ AYrZ àmd[av H$aVm h, Vm{H$ F$U H$s JwUdÎmm H$mo gw{z{ímv {H$ m Om gh$vm h Am a gmw hr ~ogb II Ho$ CÀM ñvar Ñ{îQ>H$moU H$s Amoa AJ«ga hmo gh $. ~ H$ Zo F$U OmopI E $AmB Ama~r (Am V[aH$ aoqq>j AmYm[aV Zrd ) Ñ{îQ>H$moU H$s {Xem Amdí yh$ H$X CR>mE h. Bg g ~ Y F$U OmopI Ho$ {be aoqq>j m S>b H$m gë mnz {H$ m J m h Am a ~ H$ {d{^ýz OmopI J«oS> Ho$ {be n am rq>a H$mo Zmn-VmobZo H$s à{h«$ m h. (ii) AmpñV Xo Vm à~ YZ (EEbE ) d ~mμoma OmopI ~ H$ Ho$ EEbE VWm ~moma OmopI H$m à~ YZ H«$ e: AmpñV Xo Vm à~ YZ g{ {V (EEbgrAmo) VWm ~moma OmopI à~ YZ g{ {V (E AmaE gr) Ûmam {H$ m OmVm h. Mb {Z{Y d ã mo Xa OmopI XmoZm {d{^ýz gmpå H$ I S>m Ag mzvmam Ho$ {be Cn w³v ghzerb gr me {ZYm [av H$s J r h. 15 {XZm Ho$ A Vamb BgH$m AZwdV Z {H$ m OmVm h Am a {ZXoeH$ S>b H$mo AdJV H$am m OmVm h. ~moma OmopI F$U dreama (OmopI na yë ), EOrEb (Hw$b A Va gr m) VWm Ad{Y A Va {dícofu O go gmyzm go mnm OmVm h. Xoe OmopI {ZJamZr Ho$ à~ YZ Am a AZwàdV Z hovw g^r Xoem Ho$ {be g yh gr me {ZYm [av {H$E JE h. {Z { V AmYma na AZwnmbZ H$s {ZJamZr Ho$ {be Ü H$m m b ~marh$s go IOmZm bozxozm H$s {ZJamZr H$aVm h Am a gwymamë H$ H$ma dmb bozo Ho$ {be nam e {X m OmVm h. ~moma OmopI Ho$ {be Am V[aH$ m S>b EàmoM (CÝZV Ñ{îQ>H$moU) H$mo bmjy H$aZo Ho$ {be ~ H$ Zo ^m.[a.~. go AZw {V m Jr h. 27

34 dm{f H$ [anmoq> ã mo Xa mos> na 200 AmYma q~xþ em H$ H$m à moj H$aVo hþe B p³dq>r ({Zdb yë ) na g ^mì ~moma yë H$m {ZYm au H$aZo Ho$ {be g Ho$ A Vamb {dícofu H$m AZwnmbZ {H$ m OmVm h. erf à~ YZ Ûmam g doxzerbvm {dícofu ^r Am mo{ov {H$ m OmVm h Am a g rjm H$s OmVr h. AmH$pñ H$Vm {ZYr Z moozm, {ddoh$nyu AZwnmV / gr me {ZYm [av H$s JB h Am a Mb {Z{Y OmopI à~ YZ Ho$ ^mj Ho$ ê$n dmñv{dh$ pñw{v H$s {ZJamZr H$s OmVr h. {d{^ýz n[apñw{v m ã mo Xa OmopI, VabVm OmopI, {dxoer wðm OmopI Am{X na Ì m{gh$ AmYma na VZmd narju {H$ m OmVm h Am a AmpñV Xo Vm à~ YZ g{ {V (EEbgrAmo) H$m yë m H$Z {H$ m OmVm h. Aënmd{Y VabVm H$s {ZJamZr H$aZo Ho$ {be, ~ H$ X {ZH$ AmYma na g amzmë H$ VabVm Ho$ EEbE {ddau V ma H$a ahm h. ~ H$ {ZYm [av A Vamb Mb{Z{Y ì m{ßv AZwnmV (EbgrAma) d brdaoo AZwnmV H$m n[ah$bz H$aVm h. ~ H$ Ho$ Mb{Z{Y ì m{ßv AZwnmV (EbgrAma) Wm Ho$ Ý yzv EbgrAma Ho$ 90% Ho$ à{v Wm H$mo % ahm Am a ~ H$ Ho$ brdaoo AZwnmV ^m.[a.~ H$ H$s gm Ho${VH$ Xa Ho$ 4.50% Ho$ à{v Wm H$mo 6.26% ahm. (iii) n[ammbzmë H$ OmopI à^mdr T> J go n[ammbz OmopI H$s nhmmz, à~ YZ VWm {ZnQ>mZ H$aZo Ho$ {be ~ H$ EH$ ñnîq>> n[ammbz OmopI à~ YZ H$s ê$naoim h. ~ H$ Zo mzh$sh $V Ñ{îQ>H$moU (Q>rEgE) Ho$ H$m m Ýd Z Ho$ {be Amdí H$ ê$naoim ^r ~Zm r h. n[ammbz OmopI à~ YZ H$m {Z ÌU n[ammbzmë H$ OmopI à~ YZ g{ {V (AmoAmaE gr) Ûmam {H$ m OmVm h, Omo n[ammbz OmopI hm{z g ~ {YV Am H$S>o, ZE CËnmX, ~ H$ Ûmam AnZmB JB à{h«$ m Am a àum{b m H$s g rjm H$aVm h Am a Am V[aH$ àumbr Ed à{h«$ mam H$mo O~yV H$aZo Ho$ {be gwymamë H$ / {ZdmaH$ Cnm m H$m gwpmd àxmz H$aVm h. n[ammbz OmopI H$mo H$ H$aZo Ho$ {be, F$U Am a O m g {d^mjm H$s JB YmoImYS>r Ho$ ~mao H$B {df JV AÜ Z Am mo{ov {H$E JE Vm{H$ OmopI à~ YZ Ñ{îQ>H$moU go àumbrjv H${ m H$mo nhmmz gho$. AmJo, gwym[av Ñ{îQ>H$moU H$mo AnZmZo Ho$ H«$, ~ H$ Zo OmopI {Z ÌU ñd yë m H$Z (AmagrEgE) Am a à wi OmopI g Ho$VH$ (Ho$AmaAmB Eg) Ho$ {be ê$naoim ~ZmB h. g rjm Ûmam AmagrEgE Am a à wi OmopI g Ho$VH$ H$mo O~yV H$aZo Am a n[ammbz OmopI Ho$ à~ YZ Ho$ {be H$daoO joì gwyma bmzo hovw ~ H$ Ûmam H$X CR>mE Om aho h. OmopI H$maUH$Vm Am a n[ammbz OmopI hmzr Ho$ yb H$maU H$s nhmmz H$s JB h Am a AZwnmbZ Ho$ {be Cn w³v OmopI Ý yzrh$au moozm V ma H$s JB h Am a {hvymah$m H$mo gy{mv H$s JB h. ~ H$, ogg H$mS}>Šg B {S> m àm. {b. H$m EH$ ñwmnzm gxñ h, ~ H$ Ho$ Am V[aH$ hm{z S>mQ>m~og H$mo g Õ ~ZmZo Ho$ Ho$ CÔoí go ^mavr ~ H$ g K Ho$ VËdmdYmZ hm{z S>mQ>m~og g K J{R>V {H$ m h. mzh$sh $V Ñ{îQ>H$moU (Q>rEgE) Ho$ VhV n[ammbz OmopI ny Or Ho$ AmH$bZ hovw ^mavr [aod ~ H$ Ûmam ~ H$ H$mo gh {V àmßv hþb h - ( mm 2015 go g mzm Va à^md) (iv) ~ogb II Am a ~ogb III H$m AZwnmbZ ^mavr [aμod ~ H$ Ho$ {Xem{ZX}em Ho$ AZwnmbZ, ~ H$ Zo F$U OmopI Ho$ {be mzh$sh $V Ñ{îQ>H$moU, ~moma OmopI Ho$ {be mzh$sh $V Ad{Y Ho$ A Vamb Am a n[ammbz OmopI Ho$ {be yb g Ho$VH$ Ñ{îQ>H$moU H$mo AnZm m h. ~ H$ Zo ~ogb III Ho$ mzx S>m H$m nmbz {H$ m h Am a Wm 31 mm, 18 H$mo Hw$b ny Or n m ßVVm AZwnmV 13.90% (grgr~r g{hv) ahm, Omo {H$ ny Or g aju ~ $a (grgr~r) g{hv % Ho$ Ý yzv {ZYm [av mzh$ go A{YH$ h. AmJo, ~ H$ Zo ~ogb II mzx S>m H$m ^r AZwnmbZ {H$ m h Am a Wm 31 mm 2018 H$mo Hw$b ny Or n m ßVVm AZwnmV 13.32% ahm, Omo 9% Ho$ Ý yzv {ZYm [av mzh$ go A{YH$ h. ~ H$ Zo AnZr Am V[aH$ ny Or n m ßVVm yë m H$Z à{h«$ m (AmB greenr) Zr{V V ma H$s h Omo g -g na ^mavr [aod ~ H$ Ho$ {Xem{ZX}em g emoyz, CÚmoJ H$s gdm}îm à{h«$ mam Am a AmB greenr XñVmdoOm Ho$ ~mhar gë mnz g emoyz Ho$ AmYma na g emo{yv h. AmB greenr XñVmdoμO g H${bV {H$ m J m h Am a AY dm{f H$ AmYma na ^mavr [aod ~ H$ H$mo àñvwv {H$ m J m h. AmB greenr T>m Mo Ho$ ~mhar gë mnz Am mo{ov {H$ m OmVm h Am a ~mhar EO gr H$s {g $m[ae CÚmoJ gdm}îm àwmam H$m bm^ CR>mZo Ho$ {be ~ H$ Ho$ à mg Ho$ {hñgo Ho$ ê$n em{ b H$s OmVr h. 28

35 E V g Z V m J m V (v) EH$sH $V OmopI à~ YZ àumbr (AmB AmaE Eg) n[a moozm ~ogb-ii mzx S>m Ho$ gab Am a à^mdr AZwnmbZ H$s gw{dym Ho$ {be, ~ H$ Zo EH$sH $V OmopI à~ YZ àumbr (AmB AmaE Eg) H$m H$m m Ýd Z ewé {H$ m h. {d{eîq> AmB AmaE Eg n[a moozm N>h g mymz hmovo h, O go F$U OmopI à~ YZ (gramae ), ~moma mh}$q> OmopI à~ YZ (E AmaE ), n[ammbz OmopI à~ YZ (AmoAmaE ), F$U OmopI aoqq>j gmoë yez (gramaama) (IwXam Ed J a IwXam), AmpñV Xo Vm à~ YZ (EEbE ) Am a {Z{Y Am VaU yë {ZYm au (Eμ $Q>rnr) g mymz. OmopI à~ YZ Ho$ {be H$m m Ýd Z Am a A{daV OmJéH$Vm A{^ mz Ho$ ê$n, ~ H$ Zo 32 joìm ZmoS>b A{YH$m[a m H$s nhmmz H$s h Omo OmopI à~ YZ nhb Ho$ H$m m Ýd Z ghm H$ h. à{ejuh$vm H$mo à{eju H$s AdYmaUm Ho$ mü go OmopI à~ YZ Ho$ {d{^ýz Am m m na ZmoS>b A{YH$m[a m H$mo g doxzerb ~Zm m J m h. (vi) ~ogb III VWm ny Or n m ßVVm ~ogb III Ho$ VhV % H$s Ý yzv {Z m H$ ny Or Ho$ à{v 13.90% Ho$ gramaeama AZwnmV Ho$ gmw ~ H$ H$s ny Or CÎm h. {dîmrm df Ho$ Xm amz, ~ H$ Zo B p³dq>r eo am Ho$ mo½ g ñwmjv ßbog Q> (Š y AmB nr) Ho$ mü go B p³dq>r eo a ny Or Ho$ mü go gm mý B p³dq>r Q>m a-1 ny Or H$mo 700 H$amo S>> (àr{ g{hv) VH$ ~T>mH$a AnZr ny Or pñw{v ~T>m Xr h Am a ^mav gah$ma Ho$ ` 1277 H$amo S>> (àr{ g ov) go B p³dq>r eo a ny Or Ho$ ZE A V:àdmh Am a Am V[aH$ g gmyzm H$s am{e Ho$ gmw ` 360 H$amo S>> H$s H$ mb ({Z m H$ ny Or Ho$ {be JUZm) H$mo ~ah$ama air h. ~ogb-ii mzx S>m Ho$ VhV 12.95% ( Wm ) H$s VwbZm ny Or n m ßVVm AZwnmV 13.32% ( VH$) gwyma hþam h. BgHo$ Abmdm, ~ogb-iii Ho$ A VJ V ny Or n m ßVVm Wm H$mo 12.73% go Wm H$mo 13.90% VH$ d {Õ hþb h. ny Or Ho$ gmnoj KQ>H$m H$mo {ZåZmZwgma àñvwv {H$ m J m h : (` H$amo S>>mo ) ~ogb-iii am{e AZwnmV am{e AZwnmV gm mý B p³diq>r {Q> a-i ny Or * % % A{V[a³V. {Q> a-i ny Or % % {Q> a-i ny Or * % % {Q> a-ii ny Or % % Hw$b ny Or * % % OmopI ^m[av AmpñV m * ny Or g aju ~ $a (grgr~r) H$s H$mo 1.25% Am a H$mo 1.875% g{hv. 9. AmpñV JwUdÎmm ~ H$ ZE { $gbz H$mo amoh$zo VWm bjmvma AmpñV JwUdÎmm ~ZmE aizo na μomoa XoVm ahm h. Bg {Xem ~ H$ Zo {d{^ýz Cnm m H$mo bmjy {H$ m h {Og go Hw$N> Bg àh$ma h : VZmd Ho$ bju Xem Zodmbo/Xo am{e MyH$ hmozodmbo ImVm H$mo nhmmzm J m Am a CÝh {deof {ZJamZr ImVo H$s lour aim J m. Ohm H$ht ^r g ^d Wm Eogr AmpñV m H$s nwzgªamzm H$s J r, mo½ m bm Amdí H$Vm AmYm[aV A{V[a³V F$U gr mam na {dmma {H$ m J m. EZnrE { $gbz hþe E EgE B ImVm Ho$ g ~ Y bm^àxvm AÜ Z {H$ m OmZm h VWm Ohm H$ht g ^d hmo, {ZYm [av g gr m nmofu na Ü mz {X m OmE. EZnrE ImVm Ho$ ì dpñwv AZwdV Z hovw jo.h$m. {deof dgybr H$jm H$m JR>Z {H$ m J m. {OZ H $Ðm F$U dgybr àm{yh$au H$m av h dhm ZmoS>b A{YH$m[a m H$mo nxzm{ V {H$ m J m h Omo m bm Ho$ erk {ZnQ>mZ hovw nrr>mgrz A{YH$mar VWm ~ H$ Ho$ A{Yd³Vm Ho$ gmw {Z { V ê$n go g nh $ aivo h. BamXVZ MyH$H$Vm Am Ho$ m bo à{v^y{vh$au O go H$mZyZr {dh$ën g{hv ^m.[a.~. H$mo Zm XoZm Am{X H$R>moa dgybr Cnm VËH$mb H$aVo h. AZO H$ F$Um H$s Ëd[aV dgybr hovw bmoh$ AXmbV H$s godme br OmVr h VWm ` 9.41 H$amo S>> éne H$s mìm Ho$ 725 g» m Ho$ ImVo bmoh$ AXmbV {ZnQ>mE JE h. 29

36 dm{f H$ [anmoq> J«m ru joìm H ${f Am a àmw{ H$Vm joì Ho$ A VJ V EZnrE ImVm H$s dgybr Ho$ {be H$mamo~ma g dmxxmvm {Z w³v hþe Am a 1688 ImVm ` H$amo S>> H$s dgybr hþb. hmgz, hþãbr, H$ë~wJu Am a gya Mma dgybr H $Ð ñwm{nv {H$E JE, {OZ 1 à^mar H $Ð h Am a àë oh$ H $Ð 3 dgybr A{YH$mar h. joìr à~ YH$m Ho$ gmw dr{s> mo H$mÝ $a g Ho$ mü go Ëd[aV dgybr Ho$ {be CÝh mj Xe Z XoVo hþe CÀM à~ YZ Ûmam 10 bmi VWm Cggo A{YH$ Ho$ g^r EZnrE ImVm H$s g rjm H$aZr h. Ëd[aV dgybr H$s gw{dym hovw, ~ H$ H$s dgybr Zr{V Ho$ AYrZ {d{^ýz H $Ðm ~S>r g» m Ho$ EZnrE ImVm H$s emimam Ho$ g yh Ho$ {be {Z { V ê$n go {do m AXmbV H$m Am mooz {H$ m OmVm h, Ohm na ImVm H$m {ZnQ>mZ Cgr OJh na {H$ m OmVm h. df Ho$ Xm amz, VH$ ~ H$ Zo {ZnQ>mZ Ho$ ê$n 8562 ImVm ` H$amo S>> {ZnQ>m m h. joìr H$m m b VWm emim ñv a na Am mo{ov AXmbV go g ~ {YV {ddau Ho$ [ah$m{sª>j Ho$ {be Am a AXmbV Ho$ VhV {ZînmXZ H$s à^mdr {ZJamZr hovw AbJ go EH$ nmoq> b H$m Cn moj {H$ m OmVm h. ~ H$ H$s ZdrZ Zr{V Ho$ AZwgma, ~ H$ Ho$ Xo H$s dgybr hovw h mao ~ H$ /gmd O{ZH$ ~ H$ Ho$ godm{zd Îm A{YH$m[a m H$mo ^r {Z w³v {H$ m h. H ${f Am a E EgB joìm Ho$ VhV EZnrE ImVm dgybr na Ü mz Ho$pÝÐV H$aZo Ho$ {be, ~ H$ Zo H ${f F$U ImVm Ho$ {be {deof AmoQ>rEg Am a H$m $s Am a AZma Ho$ d jmamonu Ho$ {be {deof AmoQ>rEg Am a E EgE B F$U ImVm Ho$ {be {deof AmoQ>rEg noe {H$ m h Omo {XZm H$ VH$ bmjy Wm. ~ H$ Ho$ nmg ` bmi VH$ àmw{ H$Vm joì F$Um Ho$ {be "{do m F$U w{³v moozm' Zm H$ EH$ {deof AmoQ>rEg h. g }$gr A{Y{Z Ho$ A VJ V H$da Zht {H$E JE EZnrE ImVm Ho$ g ~ Y dgybr EO Q>m H$mo {Z w³v {H$ m J m h. ga o$gr Ho$ VhV ewê$ H$s JB H$ma dmb H$mo m Vmo dgybr m ImVo Ho$ CÝZ Z go Vm{H $H$ A V {X m J m. ~ H$ Zo df Ho$ Xm amz VH$ 6917 ImVm ` H$amo S> dgyb {H$ m. ~ H$ Zo EZnrE dma ê$ 1 Am a EZnrE dma ê$ 2 Zm H$ {deof qdj JR>Z {H$ m h. ZE EZnrE ImVo / Ad mzh$/ AÝ IwXam EZnrE ImVm H$m nmbz emimam / CYmaH$Vm Am Ho$ gmw dgybr Ho$ {be H$ Mm[a m Ûmam dma ê$ 1 {H$ m Om ahm h Am a F$U ImVm g {X½Y H$m nmbz emimam / CYmaH$Vm Am Ho$ gmw dgybr Ho$ {be H$ Mm[a m Ûmam dma ê$ {H$ m Om ahm h. ~ H$ Zo EZnrE CYmaH$Vm Am go g ~ {YV A{V[a³V {ddau hm{gb H$aZo Ho$ {be "pñh$n Q >oqgj' H$s ZB nhb ewê$ H$s h Vm{H$ dgybr hovw AZwdV Z Ho$ {be Z m nvm Am a CYmaH$Vm go g ~ {YV AÝ {ddau nvm bjm gho$. g nh $ H$aZo Am a {ddau [ah$ms> H$aZo Ho$ {be AbJ go dgybr nmoq> b H$m Cn moj {H$ m OmVm h Vm{H$ g^r EZnrE ImVm H$m AZwdV Z {H$ m Om gho$. g {X½Y Am a hm{z AmpñV m H$s dgybr Ho$ {be dgybr EO Q>m H$mo em{ b {H$ m h. EZnrE dgybr na nm{jh$ Ho$ AmYma na CÀM à~ YZ Ûmam joìr à~ YH$m Ho$ gmw dr{s> m H$m Ý $aoýg H$m Am mooz {S>H«$s m bm B nr Ho$ Ëd[aV {ZînmXZ Ho$ {be H${Zð> A{Yd³Vm H$mo em{ b {H$ m h. g^r Ho$ÝÐm Ohm S>rAmaQ>r H$m av h, dhm ZmoS>b A{YH$m[a m H$mo Zm{ V {H$ m h Am a m bm Ho$ Ëd[aV {ZnQ>mZ Ho$ {be nramo / AmaAmo Ho$ gmw g nh $ ~ZmE aizo Ho$ {be AZwXoe {X m OmVm h. ~ H$ H$s dgybr Zr{V Ho$ AZwgma AmoQ>rEg moozm Ho$ VhV AZw mo{xv g Pm Vm {H$E JE g^r ImVo, AZw moxz H$s evm] Ho$ AZwgma VËH$mb dgybr hovw AZwdV Z {H$E OmVo h. {Xdmbm Am a {Xdm{b mnz (AmB ~rgr) A{Y{Z Ho$ VhV EZgrEbQ>r Ho$ {be nmì ImVm H$mo g X{^ V {H$E OmVo h. A{^J«hU EO Q>m Ho$ {ZînmXZ Am a {ZînmmXZ H$s {ZJamZr hovw nmoq> b na CÀM à~ YZ Ho$ O[aE Xmo joìm Ho$ joìr à~ YH$m Ho$ gmw X Z {XZ dr{s> mo H$m Ý $aoýg H$m Am moozm H$aZo H$m àj{v na h. Wm mm 2018 H$mo Hw$b A{J«m Ho$ ~ H$ H$m gh$b J a-{zînmxz AmpñV 6.34% ahm, O~{H$ {Zdb A{J«m go {Zdb EZnrE AZwnmV 4.32% Wm. df Ho$ Xm amz ~ H$ H$mo ` H$amo S>> H$s Hw$b ZH$X dgybr hþb (ã mo g{hv) VWm ` H$amo S>> Ho$ EZnrE H$m CÝZ Z {H$ m J m. AmJo, ~ H$ Zo Wm 31 mm 2018 H$mo ` H$amo S>> Ho$ 30

37 m a U m b V m V Z ApñWa àmdymzrh$au Ho$ Abmdm AàË m{ev MyH$ Ho$ {be ` H$amo S>> H$m àmdymzrh$au ^r {H$ m. Wm mm 2018 H$mo àmdymz àmdau AZwnmV (nrs>ãë yamo g{hv ) 59.39% ahm. 10. {S>{OQ>b ~ qh$j ~ H$, ZE VH$ZrH$s Ho$ AmYma na J«mhH$m H$mo AnZo CËnmmX d godm H$m àñvmd aizo h oem AJ«ga h. h ~ H$ H$mo J«mhH$ H$m AZw^d d g Vw{îQ> H$mo ~T>mZo XX H$aVm h. df Ho$ Xm amz, ~ H$ Zo, CnbãY ZE VH$ZrH$s Ho$ AZwgma CËnmX d godm H$s ewê$amv / AnJ«oS> {H$ m h. ~ H$ H$s ghod {Îm O go VH$ZrH$s H$mo AnZmZm, ZE CËnmH$Xm H$m àñvmd Am a J«mhH$m H$mo gw{dym àxmz H$aZm ~ H$ Ho$ CÚmoJ à{vñnyu ~Zo ahzo ghm H$ hmovr h. df Ho$ Xm amz ~ H$ Ûmam CR>mE JE Hw$N> AmB Q>r AmYm[aV w» nhb {ZåZàH$ma h : (i) B Q>aZoQ> ~ qh$j h hmb hr h mao B Q>aZoQ> ~ qh$j AWm V dr-zoq> ~ qh$j H$mo AnJ«oS> {H$ m h, h A~ AZw{H«$ merb h AWm V² b nq>m n, mo~mbb m {H$gr h ÊS>--hoëS>J gmyz na BgH$m BñVo mb {H$ m Om gh$vm h. dr-zoq> ~ qh$j, {Og ImVm eof nyn>vmn>, ImVm {ddaur, EZB E $Q>r/AmaQ>rOrEg Ho$ O[aE A Va ~ H$ VWm AÝ ~ H$m Ho$ gmw {Z{Y A VaU, EgE Eg AbQ> go g ~ {YV bozxoz, AàË j/àë j H$a H$m ^wjvmz, amá dm{upá H$ H$a, y{q>{bq>r {~b ^wjvmz, {Xam H$mo Am ZbmBZ XmZ Ed àymz Ìr amhv {Z{Y Ho$ {be Am ZbmBZ XmZ VWm AÝ gw{dyme CnbãY h. dr-zoq> ~ qh$j OmoS> Xr JB {deofvme {ZåZmZwgma h : Am ZbmBZ r mxr O m / AmdVu O m ImVm ImobZm nmgds> H$mo Am ZbmBZ nwz: ~Zm m Om gh$vm h yoa AmB S>r d nmgds> Am ZbmBZ na g {OV {H$ m Om gh$vm h J«mhH$ AnZm nrnre $ ImVm XoI gh$vo h VWm dr-zoq> ~ qh$j gw{dym Cn moj H$aVo hþe OwS>o JE AnZo n[ammbzmë H$ ImV go nrnre $ ImVo {Z{Y H$m A VaU H$a gh$vo h J«mhH$ AnZo {do m ~ H$ H«o${S>Q> H$mS> {ddau XoI gh$vo h J«mhH$ Am mv Ed {Z m V gr m ewëh$ H$m ^wjvmz H$a gh$vo h J«mhH$ ^mfm AWm V {hýxr / A J«oOr H$m {dh$ën bo gh$vo h AmB S>r~rAmB ny Or Ho$ gh moj go Am ZbmBZ Q >oqs>j H$mnm}aoQ> dr-zoq> ~ qh$j Cn mojh$vm Am H$mo WmoH$ / dovz AnbmoS> H$s gw{dym h J«mhH$ dr-zoq> ~ qh$j bozxozm H$s gwajm Ho$ {be gmâq>do a / hms> do a Q>moH$Z H$mo MwZ gh$vo h J«mhH$ XO {H$ m hþam Am H$a arq>z H$s B - $mbqbj H$a gh$vo h J«mhH$ EZB Q>r~r/EZB Q>r y H$mo EgE Eg ^oozo Ûmam dr-zoq> ~ qh$j H$mo ãbm hh$ Am a AZãbm ah$ H$a gh$vo h (ii) mo~mbb ~ qh$j ~ H$ Ûmam mo~mbb ~ qh$j godmam H$s ewê$amv df 2009 hþb. dr- mo~mbb ~ qh$j M Zb Ho$ O[aE ~ H$, ImVm eof nyn>vmn>, ImVm {ddaur, mo~mbb armmo, S>rQ>rEM armmo, EZB E $Q>r Ûmam A Va ~ H$ d ~ H$ H$s emimam Ho$ ~rm {Z{Y A VaU, Am{X àxmz H$a ahm h Omo {H$ J«mhH$ EgE Eg/ OrnrAmaEg g àofu mos> Ho$ O[aE h S>goQ> go H$a gh$vo h. VËH$mb ^wjvmz godm EZnrgrAmB (^mavr amîq >r ^wjvmz {ZJ ) Ûmam ewê$ H$s JB nhb h {Ogo mo~mbb ~ qh$j godme Cn moj H$aZodmbo J«mhH$ Ho$ bm^mw H$m m pýdv {H$ m J m h. A Va ~ H$ mo~mbb ^wjvmz godm (AmB E nreg) E E AmB S>r ( mo~mbb Zr AmBS >{Q> $m a) H$m à moj H$aHo$ ~ H$ Ho$ A Xa d ~ H$m Ho$ ~rm bozxoz H$a gh$vo h. h mar m OyXm mo~mbb ~ qh$j godmam AmB E nreg (nr2e-ì {³V go ImVo H$mo) H$m m pýdv h Ohm J«mhH$ E E AmB S>r H$m Cn moj {H$E {~Zm, {hvm{yh$mar H$m ImVm g» m VWm AmB E $Eggr Hy$Q> H$m à moj H$aVo hþe {Z{Y A VaU H$a gh$vo h. A~ ~ H$Zo d{y V ê$n Am a ^mdzm Ho$ gmw mo~mbb ~ qh$j Ho$ ZE ê$nm VaU H$m ew^ma ^ {H$ m h, {Og A{V[a³V gw{dyme O go {H$ J«mhH$ Ûmam ~ H$ go gymzme àmßv H$s OmZm, {Z{Y Am VaU bozxoz H$s {Q>ßnUr Omo S>Zm, ñd Ûmam AmdoXZ nmgds> g {OV {H$ m OmZm Am a J«mhH$m Ho$ AZwHy$b AÝ {dh$ën CnbãY h. mo~mbb ~ qh$j {Û^mfr ê$n ({hýxr d A J«oOr) CnbãY H$am m J m h. ~ H$ Zo AmB E nreg ì mnmar ^wjvmz Ho$ XmoZm {dh$ën AWm V nwe EÊS> nwb gj {H$ m h. h mam mo~mbb ~ qh$j J«mhH$ AmB E nreg {dh$ën Ho$ VhV AnZm E E AmB S>r, 31

38 dm{f H$ [anmoq> mo~mbb Z ~a Am a AmoQ>rnr H$m Cn moj H$a {H$gr ^r {~ëba gmbq> na Am ZbmBZ ì menmar ^wjvmz H$aZo gj hmojm. (iii) { ñgs> H$m b godme ( «$s ~ m) ~ H$, AnZo J«mhH$m Ho$ {be { ñgs> H$m b godme CnbãY H$am ahm h {Oggo J«mhH$, ImVm eof d bkw {ddau àmßv H$a gh$vo h. eyý à^ma go { ññs> H$m b XoZo H$s gwj Vm J«mhH$m Ho$ {be ~hþv hr bm^xm H$ h. (iv) dr- $s hmb d h mar BZ-hmCg gm âq>do a {dh$mg Q>r Zo e {jh$ g ñwmam go ewëh$ g J«hU, AnmQ> Q> go m{gh$ ai-aimd ewëh$ g J«hU VWm Šb~m Ûmam ewëh$ g J«hU Ho$ {be EH$ {deof EpßbHo$eZ {dh${gv {H$ m h. Bg Hw$N> {d{eîq>vme h O go S>o{~Q> H$mS>, H«o${S>Q> H$mS> VWm B Q>aZoQ> ~ qh$j Am{X AÝ ^wjvmz M Zb H$mo EH$sH $V {H$ m Om gh$vm h. à{v{ð>v g ñwme O go {H$ AmB AmB E -H$mbrH$Q>, Am u npãbh$ ñhy$b- {Xëbr, EZnmo m H$mboO- Jbya, md$ Q> H$m }b H$mboO-~ Jbyê$ Bg gw{dym H$m bm^ CR>m ahr h. S>m E nr Oo AãXþb H$bm VH$ZrH$s hm{dúmb CÎma àxoe, EgEgAmaAmB Q>r ~ Jbyê$, mo{vbmb Zohê$ ZoeZb BÝñQ>rQ>çyQ>> Am $ Q>oŠZmobmOr Am a dmgdr nb AnmQ> Q> g{hv Bg gmb {d{^ýz ZB g ñwmam Ho$ {be AmdoXZ bmjy {H$ m J m Wm. (v) dr-b nmg~wh$ + h mar BZ-hmCg gm âq>do a {dh$mg Q>r Zo mo~mbb EpßbHo$eZ {dh${gv H$s h {Oggo ImVm {ddau/bozxoz {ddau àmßv {H$ m Om gh$vm h. Bg EpßbHo$eZ A{V[a³V J«mhH$moÝ wi {d{eîq>vme h O go àë oh$ bozxoz Ho$ {be {Q>ßn{U m OmoS>Zo H$s gw{dym, {d{^ýz d {³VH$ ImVm erf aizo H$s gw{dym VWm EH$ hr pšbh$ go BZ ImVm nmg~wh$ bozxoz OmoS>Zo H$s gw{dym, Am{X. AÚVZ àñvw{v m VWm gymzme O go ~ H$ H$s ã mo Xa go w³v n ð> BgHo$ O[aE ~ H$ H$s do~gmbq> OmZo H$s gw{dym VWm {H$gr XmoñV H$mo n[am H$amZo H$s gw{dym Bg EpßbHo$eZ CnbãY h. AmZbmBZ na nmgds> H$mo argoq> {H$ m OmZm, {dîmr H $b S>a ~ZmE aizm, h mar emim/eq>re H$mo nhmmzzm, {hýxr/h$ýzs> ^mfmam {ddau Xem m OmZm, Am{X O gr AmH$f H$ {deofvmam Ho$ gmw àm{bv df Ho$ Xm amz dr-b nmg~wh$ H$m Z m ê$nm VaU Omar {H$ m J m. dr-b nmg~wh$ + - nmg~wh$ H$m EH$ BboŠQ >m{zh$ g ñh$mau Omo ImVm YmaH$m H$mo AnZo mo~mbb {S>dmBg na AnZr nmg~wh$ ~ZmE aizo gj ~ZmVm h. w» {deofvme - EH$m{YH$ ImVm H$s nmg~wh$ H$m AZwajU {H$gr ^r AZwamoY m emim OmZo {~Zm gw{dym H$m bm^ CR>mE Am a Ohm ^r hmo, {H$gr ^r g ImVm OmZH$mar Ho$ gmw AnS>oQ> hm ~ H$ S>mQ>m Ho$ gmw qgh$ H$aZo hovw O~ ^r Amn mo~mbb ZoQ>dH $ na Am a Am $bmbz mos> ^r Cn moj H$a gh$vo h àë oh$ nmg~wh$ à{d{îq> m na ì {³VJV ZmoQ²g ~ZmE ì {³VJV ImVm H$m AZwajU H$a Am a CgHo$ gmw nmg~wh$ Ho$ boz-xoz H$mo Q> J H$a BZ ì {³VJV ImVm ^r ~ H$ Ho$ ~mha hmozodmbo bozxozm H$m [ah$ms> H$a (vi) ^r AmYma {do m ^r AmYma {do m CËnmXm H$s {deofvme : AnZo ImVo gryo VËH$mb ^wjvmz ñdrh$ma H$a - AmnHo$ ImVo ZH$X O m H$aZo Ho$ {be g {~VmZo H$s Amdí H$Vm Zht h ZH$Xr ^wjvmz àmßv H$aZo H$s naoemzr go ~M - ZH$br ZmoQ>m H$m H$moB OmopI Zht h bozxoz [anmoq> àmßv H$a Am a AnZo H$mamo~ma H$m Q > H$ ai H$mS> a{hv bozxoz : Cn^mo³VmV H$s Oê$aVm Ho$ {be CZH$s AmYma g» m H$s Amdí mh$vm h ghw$eb Am a gwa{jv (vi) ~remamb E AmYma {do m ~remamb E AmYma {do m CËnmX H$s {deofvme {ZåZmZwgma h gryo AnZo ImVo VËH$mb ^wjvmz ñdrh$ma H$a - AnZo ImVo ZH$X O m H$aZo Ho$ {be g ì H$aZo H$s Amdí H$Vm Zht h. ZH$Xr ^wjvmz àmßv H$aZo H$s naoemzr go ~M - ZH$br ZmoQ>m H$m H$moB OmopI Zht 32

39 U ^ b s bozxoz [anmoq> àmßv H$a Am a AnZo H$mamo~ma H$m Q > H$ ai {~Zm H$mS> Ho$ boz-xoz: Cn^mo³Vm H$mo Ho$db AnZr AmYma g» m H$s OéaV h. ghw$gb Am a gwa{jv (vii) ~remamb E {do m ynramb ~remamb E {do m ynramb no Q²g B Q>a o$g ( ynramb ) AmB E nreg B «$mñq >ŠMa na {Z{ V EH$ Ëd[aV ^wjvmz àumbr h Am a Bg {H$gr ^r Xmo nm{q > m Ho$ ~ H$ ImVm Ho$ ~rm VËH$mb YZ Am VaU AZw V h. 26 AJñV 2016 H$mo {ZåZ gw{dymam Ho$ gmw ynramb ewê$ {H$ m J m Wm. EH$m{YH$ ~ H$ ImVm Ho$ {be EH$b Eon {do m ~ H$ m J a-{do m ~ H$ Ho$ J«mhH$ {do m ~ H$ Ho$ ynramb Eon H$m Cn moj H$aHo$ AnZo ~ H$ ImVo Ho$ {ddau OmZo {~Zm n go ^oo gh$vo h m n go m J gh$vo h dmw Ab ^wjvmz nvo (drnre) na YZ A VaU ImVm g» m/ AmB E $Eggr m mo~mbb g» m/ E E AmB S>r ( mo~mbb Zr AmBS >{Q>μ $m a) H$m Cn moj H$aHo$ n go ^oozo H$m {dh$ën Ho$db dmw Ab ^wjvmz nvm (drnre) H$m Cn moj H$aHo$ bm^mwu H$mo VwaÝV Omo S>. ~ H$ ImVm g» m Am a AmB E $Eggr mx aizo m XO H$aZo H$s H$moB Amdí H$Vm Zht h. àofh$ H$s dmw Ab AmB S>r H$m Cn moj H$a {H$gr go ^r YZ Ho$ {be AZwamoY {H$ m Om gh$vm h. qbh$ {H$E JE ~ H$ ImVm H$s eof am{e H$s Om M H$a gh$vo h. nyar Vah gwa{jv VarHo$ go hmovm h J«mhH$ Xþén moj Ho$ S>a Ho$ {~Zm AÝ bmojm Ho$ gmw ynramb {dîmr nvo H$mo ñdv Ì ê$n go gmpm H$a gh$vo h J«mhH$m H$mo ~ H$m Ho$ H$B ImVm Ho$ {be EH$m{YH$ dmw Ab nvm H$mo ~ZmZo H$m {dh$ën h AmB E nreg H$m Cn moj H$aHo$ ^wjvmz Am a dgyb H$a (viii) dr-b H$ZoŠQ> + dr-b H$ZoŠQ>+ EH$ Eogm Eon h Omo h mao ~ H$ Ho$ {d{^ýz B -CËnmXm Ho$ gmw {ZåZ{bpIV gw{dyme àxmz H$aVm h. g^r mo~mbb En Ho$ {be Ëd[aV qbh$ g^r do~gmbq> Ho$ {be Ëd[aV qbh$ { g H$mb godm ZoQ> ~ qh$j S>o{~Q> H$mS> Xa gmoeb ~ qh$j h mao ~mao OmZo F$U VWm O m n[ah$bz Nw>{Å> m h mao ~mao Am a h go g nh $ H$a (ix) Q>m Jb S>o{~Q> H$mS> : S>o{~Q> H$mS> H$s gwajm AË V Amdí H$ ~Z JB h Am a J«mhH$ H$mo H$mS> H$m {Z ÌU àxmz H$aZm S>o{~Q> H$mS> gwajm àmßv H$aZo H$m g~go AmgmZ VarH$m h. ñ mq> $moz go AnZo H$mS> H$mo {Z {ÌV H$aZo Ho$ {be H$mS> YmaH$m H$mo ge³v ~ZmZo go, H$mS> YmaH$ EH$ hr ñne Ho$ gmw AnZo H$mS> H$mo bm H$ m AZbm H$ H$a gh$vo h. do ñwmz, joìm Ho$ mz{mì, ì {³VJV ì mnmar, ì mnmar àh$ma, bozxoz dj Am a ì gr mam Ho$ AmYma na ì {³VJV Am a {Z^ a H$mS> Cn moj H$mo {Z {ÌV H$a gh$vo h ; VËH$mb bozxoz AbQ> na Vwa V H$madmB H$a gh$vo h Am a YmoImY S>r AbQ> H$m Odm~ Xo gh$vo h ; Q> qjj, kmnz, ì mnmar agrx H $ßMa, Am a {ddmx YmoImY S>r bozxoz Ûmam bozxoz H$m à~ YZ H$a gh$vo h. Cn mojh$vm, dr-b H$ZoŠQ>+ Ûmam àxmz {H$E JE Q>m Jb g mymz H$m Cn moj H$a gh$vo h : EH$b Eon H$m Cn moj H$aHo$ EH$m{YH$ H$mS> H$m à~ YZ Am a {Z ÌU H$a gh$vo h AñWm r ê$n go H$mS> H$mo ~ X H$a gh$vo h Am a Amdí H$Vm hmozo na Bgo dmng pñdm H$a gh$vo h AZwHy$bZ bozxoz àh$ma Am a IM gr m 33

40 dm{f H$ [anmoq> EH$ g EH$ hr bozxoz AZw V H$aZo Ho$ {be gwa{jv mos> Mmby H$a bozxoz AbQ> H$m pýμ $Ja H$a ^m Jmo{bH$ ~m S> bjmzo H$m Cn moj H$aHo$ ñwmz Ho$ AmYma na {Z ÌU H$mS> AnZr gw{dym Ho$ AmYma na B Q>aZoQ> ~ qh$j H$mo AdéÕ Am a AZdamo{YV H$a (x) (xi) Q>m Jb dr-zoq> ~ qh$j ~ H$ Zo BgHo$ Cn moj Ho$ gabvm na g Pm Vm {H$E {~Zm J«mhH$m H$s gwajm Ho$ {be AnZm {S>{OQ>b ~ qh$j CËnmX gwajm {deofvmam H$mo Omo S>Zo H$m gx d à mg {H$ m h. J«mhH$m H$s Amoa go B Q>aZoQ> ~ qh$j (dr-zoq> ~ H$) H$mo gj Am a Aj ~ZmZo H$s gw{dym àxmz H$aZo Ho$ {be Q>m Jb dr-zoq> ~ qh$j H$s ewê$amv H$s h. h J«mhH$ H$mo mo~mbb CnbãY AnZo dr-h$zošq>+ go AnZo B Q>aZoQ> ~ qh$j gw{dym H$mo bm H$ H$aZo H$s gw{dym àxmz H$aVm h. gmoeb r{s> m ~ qh$j o$g~wh$, {Q >Å>a, B ñq>mj«m, yq>çy~ VWm qbho${s>z O go gmoeb r{s> m H$m Cn moj H$a aho J«mhH$ ~ qh$j godme ^r àmßv H$a gh$vo h. gmoeb r{s> m ~ qh$j o$g~wh$ Am a {Q >Q>a Ho$ mü go {ZåZ{bpIV {deofvmam H$mo àxmz H$aVm h. J«mhH$ n OrH$aU ImVo eof amer bkw {ddau {Z{Y A VaU {~b H$m ^wjvmz (xii) EgE Eg AbQ²g /B - ob ~ H$ EgE Eg AbQ> godm ^r àxmz H$aVm h. `1/- go A{YH$ g^r bozxoz VWm MoH$ bm Q>mE OmZo Ho$ g ~ Y, Mmho am{e {OVZr ^r hmo, g Xoe ^ooo OmVo h. {OZ ImVmYmaH$m Zo B - ob AmBS>r a{oñq>a {H$ m h, CZH$mo B - ob Ho$ O[aE ImVm H$s m{gh$ {ddaur ^oozo H$m H$m ewê$ {H$ m J m h. ` 1 H$amo S>> VWm Cggo A{YH$ H$s O mam{e ~ X H$aZo VWm ImobZo Ho$ {be J«mhH$ Ho$ n OrH $V B ob AmB S>r (emim d jo.h$m ) H$mo A~ bozxoz AbQ> ob ^r ^oom Om ahm h. EgE Eg AbQ> {ZåZ Ho$ {be ^r Cn moj {H$ m OmVm h - EgE Eg-AmoQ>rnr (EH$ ~majr nmgds> ) Ûmam {hvm{yh$m[a m H$mo dr-zoq> ~ qh$j OmoS>Zm Am ZbmBZ na dr-zoq> ~ qh$j EgE Eg-AmoQ>rnr (EH$ ~majr nmgds> ) argoq> {H$ m Om gh$vm h AÝ gwajm gw{dymam Ho$ gmw-gmw IwXam J«mhH$ H$mo, EgE Eg-AmoQ>rnr (EH$ ~majr nmgds> ) Ûmam ñd-à mo³vm ~Zm m Om gh$vm h J«mhH$m H$mo gbmhh$ma EgE Eg/ ob O mh$vm Am H$mo ~ X H$aZo Ho$ ~mao EgE Eg (xiii) dr kmzgmja: dr kmzgmja {do m ~ H$ Ûmam OZVm Ho$ {be {dîmr gmjavm Ho$ ^mj Ho$ ê$n {dîmr OmZH$mar àxmz H$aZo H$s EH$ AZyR>r nhb h. dr kmzgmja Am S >mæs> mo~mbb AZwà moj h, Omo J«mhH$ H$mo {dîmr, Am{W H$ Am a ~ qh$j {df na X {ZH$ AÚVZ àmßv H$aZo H$s gw{dym VWm {dîmr Am a ~ qh$j eãxm H$s ì m» m àmßv H$aZo H$s gw{dym ^r àxmz H$aVm h. (xiv) dr A~ H$g : EH$ { g H$m b XoH$a ImVm ImobZm Am a Q> ~ ~ qh$j Ho$ mü go ImVm ImobZo H$s gw{dym H$m mª{dv H$s JB h. Omo J«mhH$ emim AmH$a ImVm Zht Imob gh$vo, CZHo$ {be h gw{dym Cn mojr h. (xv) dr p³dh$no : dr p³dh$no h mao ~ H$ H$s EH$ AZyR>r nhb h Am a AJbr nr T>r H$s {~b ^wjvmz godm h, Ohm Š yama H$moS> H$s ñh $qzj Ûmam {~b H$m ^wjvmz {H$ m OmVm h. J«mhH$ H$mo h go Bg gw{dym H$m bm^ CR>mE ì mnm[a m Ûmam g {OV {~b Ho$ Š yama H$moS> H$m ñh $Z H$aZm h VWm nramoeg erz na H«o${S>Q> / S>o{~Q> H$mS> ñdmbn {H$E {~Zm {~b Ho$ ^wjvmz H$aZm h. Bg H«o${S>Q> Am a S>o{~Q> H$mS> Ûmam Am a {H$gr ^r ~ H$ Ho$ ZoQ> ~ qh$j Ûmam ^wjvmz H$aZo H$s gw{dym h. (xvi) dr Am ZbmBZ ~MV ~ H$ ImVm: h mar do~gmbq> Ûmam Am ZbmBZ ~MV ~ H$ ImVm ImobZo H$m {dh$ën noe {H$ m J m Wm. 34

41 m b J V g a Z J«mhH$ ImVo ImobZo Ho$ {be AnZr gw{dymzwgma AnZr ng X H$m ñwmz MwZZm h. J«mhH$ Ho$ AZwamoY Ho$ g ~ Y emim EH$ ñdmm{bv ob àmßv H$aVr h ; emim J«mhH$ H$mo ~wbm ojr Am a Amdí H$ XñVmdoOm Am a à{h«$ mam H$mo gy{mv H$aoJr. J«mhH$ AnZo Ûmam MwZo {XZm H$ na emim H$m Xm am H$a Jo VWm Amdí H$ XñVmdoO àñvwv H$aHo$ ImVm ImobVo h. (xvii) Am V[aH$ {Z ÌU ~ H$ Zo AmB Q>r d AmB Eg gwajm, BÝQ>aZoQ> ~ qh$j Zr{V, AmB Q>r IarX Zr{V, B Q>aZoQ> Cn moj Zr{V, B - obb Zr{V, H$mamo~ma {Za VaVm Zr{V, {S>gmñQ>a [ah$dar Zr{V, Am Q>gmo{gªJ Zr{V O gr Zr{V m na XñVmdoμO V ma H$a {be h {Og H$B àh$ma Ho$ joì ñva d àemg{zh$ ñva Ho$ H$m em{ b h. Bg àh$ma Ho$ àë oh$ H$m m] go OwS>o OmopI m H$mo Xÿa H$aZo hovw n m ßV {Z ÌU ^r V ma {H$E JE h. df Ho$ Xm amz AmB Q>r Zr{V d AmB Eg Zr{V g emo{yv H$s J r. AmB Eg gwajm Ho$ EH$ ^mj Ho$ ê$n KQ>Zm à~ YZ, ^oúvm d nozq >oez narjm Ho$ {be ^r Zr{V m± V ma H$s JB h. (xviii) gwajm n[ammbz H $Ð ~ H$ Zo gwajm gymzm d KQ>Zm à~ YZ g mymz (EgAmB B E ) Ed gh-g ~ Y Qy>b g{hv gwajm n[ammbz H $Ð ñwm{nv {H$ m,omo AmH«$ U H$mo {H«$ më H$ ê$n go amoh$zo/àe Z H$aZo ~ H$ H$mo XX H$a ahm h. h mao ~ H$ Zo gm mý AmaE $nr Ho$ VhV ^mav gah$ma H$s Z r nhb Ho$ AZwgma gwajm n[ammbz H $Ð Ho$ H$m m Ýd Z hovw gmd O{ZH$ joì Ho$ 9 ~ H$m Ho$ {be gm mý A{Yàm{ßV à{h«$ m H$mo A {V ê$n {X m h VWm C³V n[a moozm g $bvmnyd H$ nyu H$s JB h. Bg n[a moozm Ho$ ^mj Ho$ ê$n, h mao ~ H$ Ho$ gwajm ~w{z mxr H$mo O~yV H$aZo Ho$ {be h mao ~ H$ Zo {ZåZa{bpIV g mymz àmßva {H$ m h, Omo H$m m ÝdZ Z Ho$ A VJ V h : 1. do~ EpßbHo$eZ $m admb 2. S>mQ>m~og J{V{d{Y {ZJamZr g mymz 3. ZoQ>dH $ {dícofu g mymz 4. {deofm{yh $V nhmmz à~ YZ g mymz 5. {damoy CÝZV {Za Va IVam g mymz 6. AmB Q>r JdZ}Ýg, OmopI d AZwnmbZ (xix) EZEgrEM (amîq >r ñdmm{bv g memoyz J h) ^mavr amîq >r ^wjvmz {ZJ (EZnrgrAmB ) Zo ~ H$m, {dîmr g ñwmam, H$mnm}aoQ> VWm gah$ma Ho$ {be B Q>a~ H$, A{YH$ mìm, BboŠQ >m {ZH$ bozxoz Omo Xmohamd Am a Amd{YH$ àh ${V h, H$mo gw{dymozh$ ~ZmZo Ho$ {be do~ AmYm[aV g mymz H$m H$m m pýdv {H$ m h. EZEgrEM n[a moozm Ho$ {be AmYma- mna d AmoE gr S>r~rQ>rEb ({dh$ën²-2) $mbb H$m OoZaoeZ Ho$ {be ñdm{bv à{h$ m H$m m pýdv {H$ m h. (xx) AmnXm CÔma ~ H$ Zo EH$sH $V mzd g gmyz à~ YZ àumbr, EH$sH $V IOmZm à~ YZ àumbr d EH$sH $V OmopI à~ YZ àumbr H$mo H$m m pýdv H$aHo$ H$moa ~ qh$j g mymz Ho$ gmw EH$sH $V {H$ m h. AmB Q>rE Eg n[a moozm w ~B S>rAma goq>an H$s ñwmnzm Ho$ gmw g^r CÔoí m H$mo nyam {H$ m h. EMAmaE Eg ^r wå~b S>rAma goq>an H$s ñwmnzm Ho$ gmw g^r CÔoí m H$mo nyam {H$ m h. (xxi) gm âq>do a Q>moH$Z {do m ~ H$ Zo Xmohar à murh$au (2E $E) Ho$ A{V[a³V Cnm Ho$ ê$n gm âq>do a Q>moH$Z (EZB EŠ yeg Q>rAma yamb S>r) H$s ewê$amv H$s h. gm âq> Q>moH$Z EH$ mo~mbb AßbrHo$eZ (EZB EŠ yeg Q>rAma yamb S>r) h Omo {do m ~ H$ B Q>aZoQ> ~ qh$j bozoxoz Ho$ à murh$au Ho$ {be EgE Eg AmoQ>rnr Ho$ ~Xbo EH$~maJr nmgds> (AmoQ>rnr) g {OV H$aVm h. h VËjU AmoQ>rnr g {OV H$aVm h Am a EgE Eg AmoQ>rnr H$s A{Zdm Vm H$mo g mßv H$aVm h. mo~mbb AßbrHo$eZ EZB EŠ yeg Q>rAma yamb S>r AmnHo$ mo~mbb H$mo AZm{YH $V ê$n go aizo dmbo ì {³V Ûmam BgHo$ Xþê$n moj H$mo amoh$zo Ho$ {be {nz g a{jv h. (xxii) hms> do a Q>moH$Z: ~ H$ CÀM yë dmz H$m nm}aoq> J«mhH$m H$mo hms> do a Q>moH$Z àxmz H$a ahm h, Omo ~Q>Z na {g $ EH$ pšbh$ go hms> do a Q>moH$Z na AmoQ>rnr CËnÝZ H$a gh$vo h. bm^mwu n[ady Z, {Z{Y Am VaU BË m{x Ho$ {be AmoQ>rnr H$m Cn moj {H$ m Om gh$vm h. (xxiii) ~r~rnreg (^mav {~b ^wjvmz àumbr) ~r~rnreg dr- mo~mbb ~ qh$j Ho$ mü go noe {H$ m Om ahm h Am a ~r~rnreg Ho$ ^mj Ho$ ê$n {ZåZ{bpIV gw{dyme CnbãY h. 35

42 dm{f H$ [anmoq> {gñq> {H$gr ^r g H$ht ^r gwb^ h, {Oggo J«mhH$m Ho$ {be h gw{dymozh$ hmovm h ñnm Q> ^wjvmz nw{îq>h$au na {gñq> AmgmZr go gë mnz mo½ ~ZmVm h J«mhH$ Ho$db ~r~rnreg ZoQ>dH $ go H$ZoŠQ> H$aHo$, Am ZbmBZ m EO Q>m Ho$ mü go {H$gr ^r g H$ht ^r {~bm Ho$ ^wjvmz H$s gw{dym H$m Cn moj H$a gh$vo h ~ H$ emime, EQ>rE, J«mhH$ godm H $Ð, Am{X, ~r~rnreg H$m AmCQ>boQ> hmo gh$vo h, J«mhH$ {H$gr ^r ~r~rnreg AmCQ>boQ> go ^wjvmz H$a gh$vm h Bg àumbr Ho$ Cn moj Ho$ gmw J«mhH$m gwajm Am a {dídgzr Vm àxmz H$s Om gh$vr h (xxiv) ^mav Š yama - drnop³dh$ M]Q> Enrnr ^mav Š yama Ho$ {be Cn mojh$vm à{h«$ m àdmh {ZåZmZwgma h : h gw{dym J«mhH$ H$mo drnop³dh$ Eon Imob XoJm Am a ^mav Š yama dovz {dh$ën H$m M Z H$aoJm Bg {deofvm J«mhH$ H$mo ì mnmar Ho$ Š yama H$moS> H$mo ñh $Z H$aZo H$s gw{dym h Š yama H$moS> ñh $qzj go ì mnmar H$m Zm Am a AmB S>r O go ì mnmar OmZH$mar àx{e V hmovr h J«mhH$, am{e ^a gh$vo h Am a bozxoz H$a gh$vo h J«mhH$ Ho$ drnop³dh$ dm boq> go am{e S>o{~Q> H$a Xr OmEJr Am a g ~ {YV ì mnmar A{YJ«hUH$Vm H$mo AZwamoY ^oom OmEJm ì mnmar, drom / mñq>a / éno / drnop³dh$ Ho$ hmo gh$vo h {X bozxoz Am ZAg AmoEZ yeg bozxoz h, Vmo h h mao nm[apñw{vh$ V Ì gwbpm m OmEJm Am a g $b à{v{h«$ m J«mhH$ Am a ì mnmar H$mo ^oor OmEJr {X bozxoz Am $Ag bozxoz h Vmo nramoeg bozxoz Cn moj H$s Om ahr {ZnQ>mZ à{h«$ m H$m nmbz {H$ m OmEJm (xxv) {^ {do m ynramb Š yama g mymz J«mhH$ {ZH$Q>V {H$amZo H$s XþH$mZ m {H$gr noq >mob ~ H$ EMnrgrEb ^wjvmz H$aZo Ho$ {be {^ {do m ynramb H$m Cn moj H$aVm h IarX Ho$ ~mx, {H$amZo H$s XþH$mZ Ho$ m{bh$ J«mhH$ H$mo pñwa Š yama H$moS> Ho$ mü go ^wjvmz H$aZo Ho$ {be m J H$a gh$vo h m ynramb Ho$ mü go ^wjvmz ñdrh$ma H$aZo Ho$ {be ^wjvmz {ddau Ho$ gmw nramoeg EpßbHo$eZ H$m Cn moj H$a EH$ J{Verb Š yama H$moS> CËnÝZ H$a gh$vo h J«mhH$ mo~mbb na ynramb EpßbHo$eZ ImobVm h Am a nramoeg {S>dmBg na Š yama H$moS> m nramoeg Ûmam w{ðv {~b na m M]Q> AmCQ>boQ> na àx{e V pñwa Š yama ñh $Z H$aVm h ynramb EpßbHo$eZ J«mhH$ H$mo Š yama go g^r yë m H$mo nhbo go ^ao ^wjvmz ñh«$sz na gryo nhþ MmVm h J«mhH$ ñh«$sz na àx{e V g^r OmZH$mar gë m{nv H$aVm h VWm ^wjvmz H$mo nyam H$aZo Ho$ {be Am a ^wjvmz nyam H$aZo Ho$ {be ^wjvmz na pšbh$ H$aVm h ì mnmar Am a J«mhH$ XmoZm Vwa V nw{îq> àmßv H$aVo h (xxvi) EQ>rE AnZo {demb {dñvma dmbo J«mhH$ AmYma Am a ^m Jmo{bH$ joì VH$ nhþ MZo Ho$ {be, ~ H$ Zo Xoe Ho$ {d{^ýz {hñgm df Ho$ Xm amz 154 ZE EQ>rE Imobo h, Omo {nn>bo {dîm df H$s VwbZm 44% H$s df -Xadf H$s d {Õ Xa XO H$s JB Wr. BgHo$ gmw mm 2018 Ho$ A V Hw$b EQ>rE H$s g» m 2155 VH$ ~T> JB. ^mavr [aod ~ H$ Ho$ {Xem{ZX}em Ho$ AZwgma, ~ H$ Ho$ g^r m OyXm EQ>rE VWm ZE ñwm{nv EQ>rE H$mo `200 yë Ho$ ZE wðm Ho$ {be H ${b~«oq> H$aZm ns>m Am a H ${b~«oez à{h«$ myrz h. {d wðrh$au Ho$ ~mx, ~ H$ Zo mo~mbb EQ>rE d Z IarXr Am a Bgo Mmby H$a {X m, Omo {H$ ~ Jbyê$ eha Am a Amgnmg Ho$ eham Am a Amgnmg Ho$ gmd O{ZH$ ñwmzm O go àxe {Z m, obm (CXmhaU Ho$ {be {S>{OQ>b YZ obm) Am{X na g $bvmnyd H$ J«mhH$ H$s ZH$Xr Oê$aVm H$mo nyam H$aVm h. h godm J«mhH$m H$s godm Ho$ {be CÀM ñva H$s bmrbonz àñvwv H$aVm h. ~ H$ Zo AnZo gregama J{V{d{Y m Ho$ àë oh$ g $b {dîmr bozxoz Ho$ {be ` 0.50 gmpm H$aHo$ EH$ gm m{oh$ H$maU Ho$ {be ~ H$ H$mo AnZo g H$j ~ H$m go EH$ H$X AmJo ~ T>m m, Omo gmd O{ZH$ ê$n go h mao ~ H$ Ho$ EQ>rE H$mo MwZZo Ho$ {be EH$ Am a ~ohva H$maU OmoS>m. Bggo OZVm Ho$ ~rm ~ H$ Ho$ ~«m S> Zm Am a N>{d H$mo ~ T>mZo XX { br. à{v J«mhH$ Ho$ {be bmjv VWm EQ>rE H$m g MmbZ H$m g H$ H$aHo$ 36

43 a a m a V Z r Z a b E E EQ>rE H$s XjVm ~ T>mZo Ho$ {be g^r Am ZgmBQ> EQ>rE H$mo VXZwê$nr EQ>rE H$mo bm^ H $Ð Ho$ ê$n ~ZmVo hþe, gramae (ZH$X à{vny{v EO gr) go yb emim H$mo dmng bme JE h. ~ H$ AnZo g^r EQ>rE na AÀN>r mhm b ~ZmE aizo Ho$ {be ^r gmdymzr ~avvo h, {Oggo J«mhH$m Ho$ {be g^r Amdí H$ mj Xe Z Am a Amdí H$ gwajm Cnm m Ho$ gmw Bgo gm $ Am a gwì dpñwv aim Om gho$ Omo J«mhH$ AZw^d H$mo ~ T>mZo XX H$aVm h. (xxvii) AmaQ>rOrEg Ed EZB E $Q>r godme g^r emimam H$mo H$moa ~ qh$j g mymz Ho$ AYrZ bmzo Ho$ O[aE A~ ~ H$ Ho$ J«mhH$m H$mo AmaQ>rOrEg d EZB E $Q>r godme± g^r emimam CnbãY h. My±{H$ EgQ>rnr H$mo AmaQ>rOrEg d EZB E $Q>r gj {H$ m J m h Bg{bE J«mhH$ Vwa V A Va ~ H$ d ~ H$ Ho$ A Xa ^r Vwa V {Z{Y A VaU godm H$m bm^ CR>m gh$vo h. H $ÐrH $V ^wjvmz àumbr O go {H$ VËH$mb gh$b ^wjvmz àumbr (AmaQ>rOrEg) VWm amîq >r BboŠQ >m {ZH$ {Z{Y A VaU (EZB E $Q>r) Ho$ {be g à{v {g $ gryr gxñ Vm CnbãY h. ^m.[a.~. Zo EZB E $Q>r VWm AmaQ>rOrEg àum{b m ^mj bozo hovw CngXñ Vm mj H$mo g^r bmbg grh $V ~ H$m H$mo {dñvma H$aZo H$m {ZU {b m h. Cn-gXñ H $ÐrH $V ^wjvmz àumbr AnZo àm mooh$ ~ H$ Ho$ O[aE ^mj b Jo, Omo H $ÐrH $V ^wjvmz àumbr Ho$ gryo gxñ h. ~ H$ Zo {eåfm ghh$mam ~ H$ {Z { Vm, Ôÿa VWm bmoh$nmdzr {hbm ghh$mar ~ H$, S>çm Ho$ gmw h mar AmaQ>rOrEg/EZB E $Q>r godmam H$mo Cn-gXñ m Ho$ ê$n à moj H$aZo Ho$ {be ì dñwm H$s h. (xxviii) AmB E nreg : mo~mbb, B Q>aZoQ> Am{X Ho$ mü ~ go nyao ^mav ~ H$m Ho$ ^rva YZ A VaU Ho$ {be AmB E nreg EH$ à~b CnH$aU h, h Ho$db gwa{jv Zht Ja XmoZm {dîmr VWm J a {dîmr h, a{ddma d {H$gr ^r ~ H$ AdH$me g{hv gmb^a h. AmB E nreg àumbr J«mhH$m H$mo mo~mbb d B Q>aZoQ> ~ qh$j Ho$ O[aE bozxoz H$aZo XoVm h Am a dr- mo~mbb d dr-zoq> ~ qh$j Ho$ O[aE g^r J«mhH$m H$mo Cgr H$m àñvmd aivm h. (xxix) ì mnmar Zm m H$Z: {S>{OQ>brH$aU AnZmZo Ho$ gmw, h mao ~ H$ Zo ~ S>r g» m ì mnm[a m H$mo Zm m {H$V {H$ m h Am a df Ho$ Xm amz 4224 erz ñwm{nv H$s h Ho$ {dîmr df Ho$ A V ñwm{nv erzm H$s Hw$b g» m 9359 h, O~{H$ erzm H$s g» m 5135 Wr. ~ H$ Vmaa{hV H$mS> ñdmbqnj erz àxmz H$a ahm h Am a Q>{ Zb B E dr / yho$nrq>r / Q>rEbB Ho$ AZwê$n h. h mar g^r nramoeg erz AmYma gj h. (xxx) H«o${S>Q> H$mS> {dîmr df Ho$ A V, ~ H$ Ûmam Omar {H$E JE Hw$b H$mS> W. 31/03/2018 H$mo H«o${S>Q> H$mS> H$s Hw$b ah$ ` H$amo S>> h, Omo {nn>bo df Ho$ ` H$amo S> Ho$ H$mamo~ma H$s VwbZm 58 % H$s d {Õ h. H$mS> YmaH$m H$mo ~ohva Am a yë d{y V godme àxmz H$aZo Ho$ {be H«o${S>Q> H$mS> {gñq>, H«o${S>Q> H$mS> J«mhH$ nmoq> b, H$mS> bozxoz Ho$ {be B E AmB {dh$ën O gr A{V[a³V gw{dym àxmz H$aZo Ho$ {be EH$ ZB àumbr mbj«oq> {H$E JE Wo. bozxoz XoIZo, {ddau CËnÝZ H$aZo, {nz CËnÝZ H$aZo Am{X Ho$ {be J«mhH$ nmoq> b H$m Cn moj {H$ m Om gh$vm h. E S >m BS> Am a AmB AmoEg mo~mbb Am naoqq>j {gñq> XmoZm Ho$ {be EH$ ZB nr T>r {do m ~ H$ H«o${S>Q> H$mS> mo~mbb EpßbHo$eZ {dh${gv {H$ m J m h. Eon H$m Cn moj H$mS> H$m à~ YZ, A Vam îq >r bozxoz Ho$ Cn moj H$mo AdéÕ / AZdamo{YV H$aZo, oz Am a Am S> Am Z H$mS> Ho$ bozxoz H$mo XoIZo {ddau g {OV H$aZo, godm AZwamoY BË m{x Ho$ {be {H$ m Om gh$vm h. ~ H$ Zo CÀM yë Ho$ éno ßb {Q>Z Am a gobošq> H«o${S>Q> H$mS> Omar H$aZm ewê$ {H$ m h. éne H«o${S>Q> H$mS> wâv E anmoq> bmc O gw{dym, {d{^ýz Ny>Q> àñvmd Am a `10 bmi VH$ H$m ì {³VJV XþK Q>Zm H$daoO h. h mar emimam Ho$ {be H«o${S>Q> H$mS> AmdoXZ à{h«$ m Am ZbmBZ H$s JB h Am a Bggo VoμOr go H«o${S>Q> H$mS> Omar H$s OmZo H$s gw{dym hmovr h. (xxxi) S>o{~Q> H$mS> ~ H$ drgm Am a éno XmoZm Ho$ gh moj go S>o{~Q> H$mS> Omar H$aVm h. ^mav gah$ma Ho$ oh$ BZ B {S> m A{^ mz H$mo h mam g W Z XoZo Ho$ AZwH«$, h mao ~ H$ Zo h mao J«mhH$m Ho$ ~rm ^mavr amîq >r ^wjvmz {ZJ (EZnrgrAmB ) Ho$ ~«m S> éno S>o{~S> H$mS> ~ T>mdm XoZo H$m à~wõ {ZU {b m h. ~ H$ h mao CÀM {Zdb g n{îm dmbo J«mhH$m H$mo éno ßbo{Q>Z S>o{~Q> H$mS> ^r Omar H$a ahm h Am a éno A Vam îq >r ßbo{Q>Z S>o{~Q> H$mS> H$mo ewê$ H$aZo H$s à{h«$ m ^r h. 37

44 dm{f H$ [anmoq> h mam S>o{~Q> H$mS> d àrnos> H$mS> H$mamo~ma JV {dîmr df H$s VwbZm {dîmr df % H$s ~ T>moVar hþb h. {dîmr df Ho$ Xm amz S>o{~Q> H$mS> H$s g» m AÀN>r Imgr ~ T>moVar hþb h. {dîmr df Am a Omar {H$E JE S>o{~Q> H$mS>m] Ho$ {ddau ZrMo Xem m J m h Omar {H$E JE S>o{~Q> H$mS> {dîmr df {dîmr df {dîmr df Ho$ Xm amz Omar {H$E JE Hw$b 9,51,518 14,46,281 S>o{~Q> H$mS> à OY mo ImVm H$mo Omar S>o{~Q> H$mS> 46,024 57,556 à OY mo ImVm H$mo Omar S>o{~Q> H$mS> 9,05,494 13,88,725 H$mo N>mo S>H$a S>o{~Q> H$mS> H$s Hw$b g» m (xxxii) S>o{~Q> Am a H«o${S>Q> H$mS> Ho$ {be J«rZ {nz H$mJO a{hv ~ qh$j H$mo ~ T>mdm XoZo Ho$ {be, ~ H$ Ho$ Xm amz S>o{~Q> H$mS> Am a H«o${S>Q> H$mS> Ho$ {be J«rZ {nz gw{dym ewê$ H$s h. J«mhH$ Bg gw{dym Ho$ mü go VËH$mb S>o{~Q> Am a H«o${S>Q> H$mS> Ho$ {be {nz OoZaoQ> H$a gh$vo h. (xxxiii) OrEgQ>r Ho$ {be n doju Am a g J«h ~ H$ Zo J«mhH$m Ûmam OrEgQ>r MmbmZ g J«h Am a ~ H$ Ûmam àxmz H$s OmZo dmbr godmam Ho$ {be OrEgQ>r ewëh$ g J«h H$s gw{dym Ho$ {be gw{dym bmjy H$s h. ~ H$ Zo V{ bzmsw> hm{zarjh$ n OrH$aU (Q>rEZAmB OrAmaEg), Ag amá H$a g J«h Am a amoñwmz Am ZbmBZ ^wjvmz Ho$ {be amá H$a g J«h ^r bmjy {H$ m h. 11. Am V[aH$ {ZarjU d {Z ÌU àumbr ~ H$ gwn[a^m{fv Am V[aH$ boim narjm Zr{V h, {Og OmopI AmYm[aV Am V[aH$ boim narjm (Ama~rAmB E), g dvu boimnarjm, gymzm àumbr boimnarjm,ee Eb/Ho$dmB gr AZwnmbZ, Am{X em rb h. H$m nmbh$ H$s boimnarjm g{ {V d S>b H$s boimnarjm g{ {V Am V[aH$ boimnarjm d {Z ÌU H$m H$m H$s XoIaoI H$aVr h gh$mampë H$ Am a g na Ü jon Ho$ gmw à^mdr àumbr H$m H$m m Ýd Z VWm {dh$mg ~ H$ H$mo mj Xe Z H$aVr h. Xoe Ho$ {d{^ýz ñwmzm pñwv 10 joìr {ZarjUmb, gm {d{yh$ d {Z m H$ Amdí H$VmAm Ho$ AZwgma emimam VWm H$m m b m Ûmam Zr{V d à{h«$ m, Am V[aH$ {Z ÌU, àñvwv àumbr H$m AZwnmbZ H$s Om M H$aVm h Ho$ Xm amz, g^r 1443 emimam / BH$mB m Ama~rAmB E g Mm{bV {H$ m J m Am a 88% boimnar{jv emime "H$ OmopI ' nmb JB h. 10 dm joìr {ZarjUmb df Ho$ Xm amz bizd$ CX²Km{Q>V {H$ m J m. Ama~rAmB E, {Za Va AmYma na A{YH$ OmopI Am a {deof emimam Ho$ g dvu boimnarjm Ho$ gmw nyah$ ~Zm h. df Ho$ Xm amz, ^mavr [aμod ~ H$ Ûmam {ZYm [av 50% Ho$ à{v, 437 emime / H$m m b g dvu boim narjm Ho$ A VJ V H$da {H$E JE W, Omo ~ H$ Ho$ H$mamo~ma Ho$ 80% Wo. g^r godm emimam Am a IwXam AmpñV Ho$ÝÐr àg ñh$au Ho$ÝÐ (AmaEgrnrgr) H$m gymzm gwajm boimnarjm gramb EgE mo½ A{YH$m[a m Ûmam H$s JB Wr. ~ H$ Ho$ H$ Mm[a m Ûmam 27 AmCQ>gmog godm àxmvmam Ho$ {ZînmXZ H$m yë m H$Z {H$ m J m Wm. BgHo$ Abmdm, gramb EgE / S>rAmB EgE mo½ gzxr boimh$mam go w³v g dvu boimnarjm $ m] Ûmam 9 AmCQ>gmog {dîmr J{V{d{Y m H$s boim narjm h mao ~ H$ H$ Mm[a m Ûmam H$s Om ahr h Am a h H$m Vwa V nyu hmojm. Om M d g VwbZ gwyma d XoIaoI O~yV H$aZo Ho$ {be ~ H$ Zo àumbr {Zdm h boimnarjm H$m ^r àma ^ {H$ m h. df Ho$ Xm amz 150 emimam {Zdm h boimnarjm H$s JB h. AmJo, 111 emimam AmH$pñ H$ {ZarjU {H$ m J m. (i) do~ AmYm[aV boimnarjm (B Ama~rAmB E) ~ H$ Zo 1 AŠQy>~a 2016 go à^mdr do~ AmYm[aV boimnarjm (B Ama~rAmB E) H$m m pýdv {H$ m h. B -Ama~rAmB Ho$ VhV, boim narjm H$s nyar à{h«$ m, O go {H$ boim narjm moozm, Am V[aH$ boim narjh$m H$mo emimam H$m Am~ Q>Z, H$m {Xdg H$m {ZYm au, boimnarjm H$m dmñv{dh$ g MmbZ, H$mamo~ma Ho$ VhV {Q >Šg ñh$mo[a J, {Z ÌU Am a g J«OmopI, emimam H$m OmopI yë m H$Z, {dñv V Ama~rAmB [anmoq> H$s V mar, ImVm-dma {dmbz Am a {dmbz-dma ImVm H$s nhmmz, g {jßv [anmoq> V ma H$aZm, {Q>ßn{U m gwyma, A {V gwyma à mu nì (E $Amagr) H$s àñvwvr {gñq> -AmYm[aV h. h AË {YH$ S>oQ>m / Am {S>Q> AI S>Vm Am a H$m {Xdg hëdnyu H$ r gw{z{ímv H$aoJm. My {H$ do~ AmYm[aV boimnarjm Am ZbmBZ boimnarjm h, {Q>ßn{U m Ho$ VËH$mb hm{oa gwyma hovw g^r g ~ {YVm Ûmam VËH$mb AmYma na boimnarjm H$m n doju {H$ m Om gh$vm h. g^r joìr {ZarjUmb Ho$ 38

45 m a Ð s V m V a a (ii) A{YH$m[a m, emim à wim, E~rE Am a jo.h$m. ñva na {ZarjU {d^mj g ^mbzo dmbo A{YH$m[a m Ho$ {be dm{f H$ ê$n go à{eju {XE JE h Am a g^r ZB àj{v( {X H$moB hmo Vmo) H$mo H$m H«$ em{ b H$s JB h. df Ho$ {be, Ama~rAmB Ho$ {Xem{ZX}em Ho$ AZwgma Ama~rAmB E Ho$ g MmbZ Ho$ {be R>oHo$ Ho$ AmYma na ~ H$ Zo ñho$b IV VH$ Ho$ h mao ^yvnyd A{YH$m[a m / H$m nmbh$m H$mo Am V[aH$ boim narjh$m Ho$ ê$n {Z w³v {H$ m h. h mao {Z { V Am V[aH$ {ZarjH$ emimam / H$m m b m Ho$ boim narjm Ho$ {be BZ Am V[aH$ boim narjh$m Ho$ gmw hm Jo. EMAmogr gy{mv yë m H$Z {Q >Šg Ho$ AZwgma godm{zd Îm A{YH$m[a m g{hv g^r Am V[aH$ {ZarjH$m Ho$ {be H$m àxe Z yë m H$Z {H$ m Om ahm h. do~ AmYm[aV boim narjm (g dvu): ~ H$ Zo 1 OwbmB 2017 go do~ AmYm[aV boim narjm (g dvu) ewé H$s h. ^mavr [aod ~ H$ Ûmam {ZYm [av 50% Ho$ à{v ~ H$ Ho$ Hw$b H$mamo~ma Ho$ 80% go A{YH$ H$mo H$da H$aZo dmbr O m am{e Am a A{J«m O go ì mnma mzh$m Ho$ AZwgma ~ H$m H$mo dm{f H$ AmYma na emimam H$mo MwZm OmVm h. Ama~rAmB Ûmam {ZYm [av m OyXm {Xem{ZX} em Ho$ AZwgma g dvu boim narjh$m H$m M Z dm{f H$ AmYma na {H$ m OmVm h. gramb EgE / S>rAmB EgE mo½ M Z g dvu boim narjh$m H$s M Z à{h«$ m ha gmb B hrzo ewê$ hmovr h Am a 15 OyZ go nhbo g mßv hmovr h Am a boim narjh$m H$m M Z 1 OwbmB go 30 OyZ VH$ H$s 1 df H$s Ad{Y Ho$ {be {H$ m OmEJm. g dvu boim narjh$m H$m H$m {ZînmXZ yë m H$Z dm{f H$AmYma na jo.h$m. Am a jo.{z. Ûmam {H$ m Om ahm h. BgHo$ VhV, emimam ha hrzo g dvu boim narjm à{h«$ m H$s OmVr h. g^r "CÀM OmopI ' emime, godm emime, g^r gr~r~r, AmaEgrnrgr Am a M {ZV à.h$m. {d^mj g dvu boimnarjm Ho$ AYrZ hm Jo. (iii) {Z ÌU BH$mB àh$m d joìr H$m m b Ho$ {Z ÌU BH$mB, 87 à wi AbQ> g Ho$VH$m Ho$ A VJ V J«mhH$ Ho$ bozxzo H$s {ZJamZr H$aVm h. g^r joìr H$m m b m Ho$ {Z ÌU BH$mB Ho$ ZmoS>b A{YH$m[a m VWm emimam Ho$ A{YH$m[a m H$mo g doxzerb ~ZmZo hovw df Ho$ Xm amz g^r joìr H$m m b {Z ÌU d g rjm à{h$ m na H$m embmam H$m Am mooz {H$ m J m. (iv) {Z ÌU BH$mB [anmoq> nmoq> b ~ H$ Zo Am V[aH$ boim narjm Ed n doju {d^mj Ho$ Am $gmbq> {ZJamZr H$j Ho$ {be 82 {d{^ýz [anmoq>m] H$mo ~Zm m h Ohm H$j àma {^H$ AdñWm YmoImY S>r Am a Am [agmd H$s nhmmz H$aZo Ho$ {be {Z{X îq> Ad{Y Ho$ AmYma na Amdí H$ [anmoq> V ma H$a gh$vm h. 12. YmoImYS>r {ZJamZr Ed gvh $Vm (i) YmoImYS>r {ZJamZr H$j : ~ H$ EH$ ñdv Ì YmoImYS>r {ZJamZr H$j h, Omo YmoImYS>r - djuh$au Am a àñvwvrh$au go g ~ {YV ^mavr [aod ~ H$ Ho$ {Xem{ZX}em Ho$ AZwgma H$m H$aVm h. {dîmr df Ho$ Xm amz `31.02 H$amo S>> yë Ho$ 19 YmoImYS>r ^mavr [aμod ~ H$ H$mo [anmoq> {H$E JE h. `1 bmi Ed Cggo A{YH$ yë Ho$ g^r YmoImYS>r Ho$ m bm H$mo H$m àumbr d àumbr H$ r {X H$moB hmo Vmo, Ho$ AZwgma moozm~õ VarHo$ go {díco{fv {H$E JE Am a g na ^m.[a.~. H$mo àñvwv {H$E JE. Eogo g^r YmoImYS>r Ho$ m bm Ho$ g ~ Y nwbrg/gr~ramb wh$x m XO {H$E OmVo h. ` 1bmI go A{YH$ yë Ho$ YmoImYS>r Ho$ m bo S>b Ho$ gå wi àñvwv {H$E OmVo h VWm S>b Ho$ AZwXoe/{Xem{ZX}e H$mo H$m m pýdv {H$ m OmVm h. YmoImYS>r Ho$ m bo H$s {V mhr g rjm S>b H$s boimnarjm g{ {V Ûmam H$s OmVr h. `1H$amo S>> go A{YH$ Ho$ ~S>o yë Ho$ YmoImYS>r m H$s g rjm Amd{YH$ A Vamb na S>b H$s {deof g{ {V Ho$ gå wi àñvwv H$s OmVr h. g^r YmoImYS>r Ho$ m bm ZdrZV pñw{v/àj{v Ho$ g ~ Y Ì m{gh$ AmYma na ^m.[a.~ H$mo [anmoq> H$s OmVr h. YmoImYS>r amoh$wm Ho$ Cnm VWm àumbr gwyma na Amd{YH$ {Xem{ZX}e/ AZwXoe Omar {H$E OmVo h. YmoImY S>r Ho$ djuh$au Am a dm{upá H$ ~ H$m Am a M {ZV {dîmr g ñwmam Ûmam [anmo{qª>j na w ~B AYrZñW {dymz na g{ {V, amá g^m na EH$ AÜ Z Xm am {H$ m J m Am a ~ H$ Zo C³V ~ R>H$ ^mj {b m h. (ii) gvh $Vm Ed gymzm H$m A{YH$ma A{Y{Z àymz H$m m b gvh $Vm {d^mj H$s AÜ jvm H$m H$mar {ZXoeH$ ñva Ho$ w» gvh $Vm A{YH$mar H$a aho h Omo A~ n Om~ EÊS> qgy ~ H$ go à{v{z w³v na h. gvh $Vm {d^mj, ~ H$ H$m gmam gvh $Vm H$m Ho$ÝÐr gvh $Vm Am moj Ûmam {ZYm [av mj {ZX}em Ho$ AZwgma H$aVm h. BgHo$ A{V[a³V, 39

46 dm{f H$ [anmoq> gvh $Vm {d^mj {ZdmaH$ gvh $Vm Cnm na Ü mz aivo hþe joìr H$m m b m pñwv joìr gvh $Vm A{YH$m[a m (E $dramo) Ûmam emimam Am a {Z ÌU H$m m b m H$m mñpàn>h$ gvh $Vm {ZarjU ^r H$aVm h. Am V[aH$ gm âq>do a {d{ob g dz Ho$ O[aE {ZdmaH$ gvh $Vm {ZarjU Am mo{ov {H$ m Om ahm h. ~ohva {ZdmaH$ gvh $Vm V Ì H$mo AnZmZo Ho$ {be h mao nmg {ZåZ gy{mv h {H$ F$U Am a A{J«, H$m m b boim, H$ Mmar go g ~ {YV m bm, ì erf Am a ZH$Xr g ~ Yr m bm, Am{X Ho$ joì nmoq> b Ho$ AZwHy${bV gdmb Q>oånboQ²g. emim Ho$ OmopI mnx S>m Ho$ AmYma na emim {ZarjUm H$s àmw{ H$Vm H$mo AZwHy${bV {H$ m J m h. Om M Ho$ AmXoe H$s ewéamv go boh$a A {V AmXoe Omar H$aZo VH$ Om M H$s nyar à{h«$ m H$mo ñdmm{bv ~ZmZo Ho$ {be gvh $Vm {d^mj H$s nhb {dh${gv Am V[aH$ gm âq>do a H$m bmbd narju Am V[aH$ n doju Am a gvh $Vm {d^mjm Ûmam nyu hþam h. gm âq>do a Ho$ narju H$m A {V MaU H$m{ H$ {d^mj (AmB AmaS>r) Ûmam à{h«$ myrz h. h Zo gm mý OZVm go gvh $Vm go g ~ {YV {eh$m Vm H$mo àmßv H$aZo Ho$ {be AnZo ~ H$ Ho$ mzh$ bmoh$ {eh$m V {ZdmaU àumbr (EgnrOrAmaEg) nmoq> b H$mo ^r AZwHy${bV {H$ m h. {eh$m V XO H$aZo Ho$ {be Om ~ H$mS> ^r do~gmbq> na CnbãY H$am m J m h Vm{H$ gvh $Vm {eh$m Vm H$mo XO H$aZo Ho$ {be Am OZVm H$s gw{dym hmo gho$. h nmoq> b ~ H$ H$s H$m nm}aoq> do~gmbq> CnbãY H$am m OmVm h. {ZdmaH$ gvh $Vm Ho$ {hñgo Ho$ ê$n, gvh $Vm m bm na g^r ñq>m $ gxñ m H$mo Amd{YH$ A Vamb na EgE Eg ^ooo Om aho h. grdrgr Ho$ {ZXoem Ho$ AZwgma, ~ H$ Ûmam go VH$ gvh $Vm OmJê$H$Vm gßvmh Zm m J m. h Zo 2152 OmJê$H$Vm J«m g^m H$m Am mooz {H$ m h VWm ñq>m $ gxñ m Am a ~ H$ Ho$ {d{^ýz J«mhH$m Ûmam B -à{vkm/ gm y{hh$ à{vkm br JB. 3 Zd ~a, 2017 H$mo MZm H$Zhëbr J«m, am ZJa {Obm EH$ OmJê$H$Vm J«m g^m H$s ì dñwm H$s JB, {Og grdrgr Ho$ A{YH$m[a m, ~ H$ Ho$ erf A{YH$mar, w» gvh $Vm A{YH$mar Am a AÜ j, J«m n Mm V, MZm H$Zhëbr Zo ^mj {b m. J«m ru bmojm Ho$ ~rm OmJê$H$Vm n Xm H$aZo Ho$ {be gë {Zð>m enw, {dîmr gmjavm H $Ð Am a {dîmr g mdoez Ho$ {be ñq>mb Imobo JE. 41 H$mboOm 6892 N>mÌm Ho$ {be VWm 90 ñhy$bm N>mÌm Ho$ {be {Z~ Y boiz, ^mfu, {MÌboIZ, MMm H$m H«$ Am a p³do O gr à{v mo{jvme Am mo{ov H$s JBª. ~ Jbya 03 Zd ~a, 2017 H$mo EH$ dm Ho$Wm Z H$m Am mooz {H$ m J m {Og H $Ðr gvh $Vm Am moj Am a ~ H$ Ho$ erf à~ YZ Ho$ H$m nmbh$m Zo g{h«$ ê$n go ^mj {b m. 13. AZwnmbZ S>b AZw mo{xv AZwnmbZ Zr{V, ^mavr [aμod ~ H$ Ho$ m OyXm {Xem{ZX}emZwgma Ano{jV h VWm VXZwgma ~ H$ Zo AZwnmbZ Zr{V AnZm r h VWm Zr{V {ZXo{eV AZwgma H$m H$aVm h. AZwnmbZ {d^mj H$s AÜ jvm w» AZwnmbZ A{YH$mar H$a aho h Omo Cn hm à~ YH$ ñva Ho$ h. à.h$m. Ho$ g^r {d^mjm, joìr H$m m b m VWm emimam AZwnmbZ A{YH$m[a m H$mo nhmm{zv {H$ m J m h. AZwnmbZ Ho$ hëd na à{v^m{j m H$mo {e{jv H$aZo Ho$ {be g^r Am V[aH$ à{eju H$m H«$ m EH$ gì Amd {Q>V {H$ m J m h. g^r {ÛVr n ³Vs Ho$ H$m nmbh$m / joìr H$m m b m Ho$ joìr AZwnmbZ A{YH$m[a m Ho$ {be AZwnmbZ na EH$ H$m embm Am mo{ov H$s JB Wr. AZwnmbZ {d^mj, à.h$m. gw{z{ímv H$aVm h {H$ dh ^mav gah$ma, ^m.[a.~., ^m.~.g. VWm AÝ {d{z m H$m Ûmam Omar {d{^ýz {Xem{ZX}em H$m AZwnmbZ H$aVm h. g g na Omar {H$E JE {Xem{ZX}em Ho$ AZwgma, àë oh$ {V mhr AZwnmbZ narju {H$ m OmVm h. AZwnmbZ nhbwam na Ì m{gh$ Am a dm{f H$ g rjm S>b Ho$ gå wi àñvwv H$s OmVr h. AZwnmbZ OmopI H$m AmH$bZ H$aZo Ho$ {be 354 AZwnmbZ mzx S> nhmm{zv {H$ m J m h. AZwnmbZ {d^mj, à.h$m. {d{z m H$m H$mo g na {dda{u m H$s àñvwvr H$s {ZJamZr ^r H$aVm h VWm w» AZwnmbZ A{YH$mar H$mo [anmoq> àñvwv H$aVm h. (i) AnZo J«mhH$ H$mo Om{ZE (Ho$dmB gr), YZ emoyz {ZdmaH$ (EE Eb) VWm AmV H$dmX H$mo {dîmr Z H$s amoh$wm (gre $Q>r) ~ H$ Zo H$mbo YZ H$mo d Y ~ZmZo m AmV H$dmXr {dîmrnmofu J{V{d{Y m Ho$ {be Agm m{oh$ VËdmo Ûmam Cn moj {H$E OmZo go ~ H$ H$mo amoh$zo Ho$ CÔoí go Ho$dmB gr, EE Eb Am a gre $Q>r na EH$ ì m²nh$ Zr{V V ma H$s h. h gw{z{ímv H$aZo Ho$ {be à{h«$ m d àumbr AnZmB JB h {H$ Jw Zm / $Ou Zm m Amnam{YH$ n ð> ^y{ Ho$ ì {³V m Ûmam Am a/ m AmV H$dmXr g JR>Zm Ho$ gmw g nh $ aizodmbo ì {³V m Ûmam ImVm Zht Imobm J m h. V ma aoh$za Am a EH$b q~xþ g X^ Ho$ {be "AnZo J«mhH$ H$mo Om{ZE mzh$ Ho$ {be Ëd[aV g X^ mj X{e H$m' {ZH$mbr h. 40

47 m n m m m Z E b h a ~ H$ Zo B -b{zªj nmoq> b Imobm h {Og E $EŠ y Ho$ gmw Ho$dmB gr/ee Eb na {dñv V nañna g dmx gì ^r em{ b h. Ho$dmB gr mzxês>h$ d EE Eb {Xem{ZX}em Ho$ H$m m Ýd Z H$s Am V[aH$ {ZarjH$ VWm g dvu boim narjh$m Ûmam Om M H$s Om ahr h {ZYm [av Amd{YH$Vm Ho$ AZwgma, {gñq> g {OV [anmoq> {dîmr AmgyMZm BH$mB - ^mav (E $AmB y-amb EZS>r) H$mo àñvwmv H$aZm h. (ii) Ho$ÝÐr Ho$dmB gr [ah$ms> a{oñq >r (grho$dmb grama) ~ H$ Zo Ho$ÝÐr Ho$dmB gr [ah$ms> a{oñq >r(grho$dmb grama) H$m m pýdv H$aZo Ho$ {be H$X CR>mE h, {Og g^r ì {³VJV J«mhH$m Ho$ Ho$dmB gr {ddau bo gh$vo h VWm nvm gmú,amb S>r gmú, $moq>mo VWm Z yzm hñvmja H$s ñh $ÝS> à{v m Ho$ gmw grb AmaEgEAmB AnbmoS> H$a gh$vo h VWm 14 A H$ H$s {d{eîq> nhmmz g» m J«mhH$ H$mo Xr OmEJr. (iii) OmopI AmYm[aV n doju (Ama~rEg) ^mavr [aμod ~ H$ Zo df Ho$ Xm amz M {ZV ~ H$m bozxoz-narju Ñ{îQ>H$moU (gree B EbEg) H$s OJh H$mo AZwnmbZ-AmYm[aV OmopI AmYm[aV n doju (Ama~rEg) H$m à{vñwmnz {H$ m h. Ama~rEg, ~ H$ Ho$ {dh$mg àmßv H$aZo Ho$ {be à{h«$ mam Am a Zr{V m na Ü mz H ${ÐV H$aVo h. mm 2015 go h mam ~ H$ Ama~rEg T>m Mo go OwS>m h. w» V AZwnmbZ ñva Am a àumbr Am a Zr{V m H$m AZwnmbZ na Ho$pÝÐV h. ~ qh$j CÚmoJ C^aVo OmopI m Ho$ AmYma na Amdí H$VmAm H$mo J{Verb ê$n go ~XbZo H$s Cå rx h. n dojh$ Ûmam EH${ÌV {H$E JE S>oQ>m JwUmË H$ Am a mìmë H$ S>oQ>m em{ b h Am a ì mnh$ ê$n go g^r OmopI nhbwam H$mo H$da H$aZo H$s Anojm H$s OmVr h. OmopI AmYm[aV n doju à{h«$ m Am $gmbq> {ZJamZr na Omoa XoVr h Am a Bgr{bE h S>oQ>m ~ohx gkz h. ~ H$ Ûmam àñvwv Am H$ S>m Am a gymzm Ho$ Am $gmbq> {dícofu Ho$ AmYma na Am a gmw hr n dojr yë m H$Z (AmB EgB ) Ho$ {be Am ZgmBQ> {ZarjU H$m {ZîH$f ~ qh$j {d{z Z A{Y{Z 1949 H$s Ymam 35 Ho$ VhV {H$ m J m h. OmopI Am a ny Or yë m H$Z (EgnrEAmagr) Ho$ {be n dojr H$m H«$ Ho$ VhV ~ H$ H$s {ZJamZr H$s Om ahr h. (iv) gymzm H$m A{YH$ma A{Y{Z ^mav gah$ma Zo gymzm H$m A{YH$ma A{Y{Z, 2005 H$mo A{Y{Z { V {H$ m Omo 12 Aºy$~a 2005 H$mo bmjy hþam. h A{Y{Z àë oh$ ZmJ[aH$ H$mo gmd O{ZH$ àm{yh$m[a m Ho$ {Z ÌUmYrZ gymzm H$mo nmzo / VH$ nhþ MZo H$m hh$ àxmz H$aVm h. àemgz VWm Bggo g ~ {YV m àmg {JH$ m bo IwbmnZ, nmax{e Vm VWm Odm~Xohr bmzm hr BgH$m CÔoí h. ~ H$ Zo gymzm H$m A{YH$ma A{Y{Z, 2005 Ho$ VhV g^r emim à~ YH$m H$mo ghm H$ OZ gymzm A{YH$mar, g^r 32 joìr H$m m b m H$s Xÿgar n {º$ Ho$ H$m nmbh$m H$mo gmd O{ZH$ gymzm A{YH$mar VWm joìr à~ YH$m H$mo Anrb à{yh$m[a m Ho$ ê$n nxzm{ V {H$ m h. à.h$m. Cn hm à~ YH$ H$mo OZ gymzm A{YH$mar VWm hm à~ YH$ H$mo Anrb à{yh$mar Ho$ ê$n nxzm{ V {H$ m h. g J«~ H$, gymzm Ho$ A{YH$ma A{Y{Z 2005 Ho$ VhV 33 H$m m b m H$mo H«$ mzwgma OZ gymzm A{YH$mar VWm Anrb A{YH$mar CnbãY H$amE JE h. gymzm H$m A{YH$ma A{Y{Z 2005 Ho$ AZwgma àymz H$m m b ñva na dv mz OZ gymzm A{YH$mar Am a Anrb àm{yh$mar H$s AZwnpñW{V AË mdí H$/AmnmV pñw{v H$V ì m Ho$ {Zd hz Ho$ {be EH$ d H$pënH$ OZ gymzm A{YH$mar Am a EH$ d H$pënH$ Anrb àm{yh$mar ^r CnpñWV ah Jo. gymzm H$m A{YH$ma A{Y{Z, 2005 A{Y{Z Ho$ A VJ V m Jr J r gymzm {ZYm [av g gr m Ho$ A Xa àñvwv H$s OmVr h. df Ho$ Xm amz, Bg gymzm Ho$ A{YH$ma A{Y{Z, 2005 Ho$ A VJ V ~ H$ H$mo AmdoXZ d anrb àmá hþe d {ZnQ>mE JE. 14. mzd g gmyz {dh$mg (i) l e{³v ~ H$ H$m av H$ Mm[a m H$s Hw$b g» m mm 2017 Ho$ H$s VwbZm mm, ahr. Hw$b ñq>m $ go, 8410 A{YH$mar, 5172 {b{nh$s H$ Mmar, 2497 H$ Mmar AYrZñW g dj h. mm 2018 Ho$ A V VH$ {hbm H$ Mm[a m H$s g» m 4479 ahr {Og 2403 A{YH$mar Am a 2076 EdmS> ñq>m $ h. mm 2018 Ho$ A V 41

48 dm{f H$ [anmoq> (ii) ^Vu VH$ {dh$bm JVm dmbo ì {³V (nrs>ãë ys>r) dj 342 H$ Mmar Am a ^yvnyd g {ZH$ dj 976 H$ Mmar aho. {dîmr df Ho$ Xm amz ~ H$ Zo, H$s JB ^Vu Ho$ Hw$b 1154 g» m 2 go 548 A{YH$m[a m VWm 597 {b{nh$m Am a AYrZñW g dj 09 H$ Mm[a m H$s ^Vu H$s. (iii) nxmoýz{v m df Ho$ Xm amz H$s J r nxmoýz{v m {ZåZmZwgma h : H«$ g. go nxmoýz{v VH$ nxmoýz{v Hw$b nxmoýzv 1 C.H$m.lo.do VI C.H$m.lo.do- VII 2 2 d.à.lo.do-v C.H$m.lo.do- VI 9 3 d.à.lo.do-iv d.à.lo.do-v 34 4.à.lo.do-III d.à.lo.do-iv 84 5.à.lo.do-II.à.lo.do-III H$.à.lo.do-I.à.lo.do-II {b{nh$s H$.à.lo.do-I AYrZñW H$ Mmar {b{nh$ 113 S>rAmonrQ>r, H$m{ H$ Ìmb Ho$ AZwgma, ""J«wn S>r Am a J«wn gr Ho$ {be nxmoýz{v Ho$ m bo 3 à{vev H$s [a{³v m {Xì m J ì {³V m Ho$ {be Ama{jV h, {OZ go (1) A YmnZ m H$ Ñ{îQ> (2) gwzzo jruvm Am a (3) hah$v H$s {Xì m JVm m pñvîh$ njmkmv go nr{s>v ì {³V m H$mo haoh$ {Xì m JVm Ho$ {be nhmmzo JE nx àë oh$ 1 à{vev Ama{jV h ''. Cnamo³V Ho$ A{V[a³V, {Oå oxma {Z mo³vm Ho$ ê$n, g mz amoojma Adga H$mo ~T>mdm XoZo Am a nrs>ãë ys>r H$ Mm[a m Ho$ {d{ygå V H $[a a AmH$m jmam H$mo nyam H$aZo hovw Bg àh$ma go àoaum àxmz H$aZo Ho$ {be h mao ~ H$ Zo ZB nxmoýz{v Zr{V V ma H$s h, h Zr{V ~ qh$j CÚmoJ {deof ê$n go nrs>ãë ys>r H$ Mm[a m Ho$ {be nhbm Adga h. ZB ewê$ H$s JB nxmoýz{v Zr{V nrs>ãë ys>r H$ Mm[a m Ho$ {be nmìvm mzx S> Ny>Q> h, {Oggo nrs>ãë ys>r H$ Mmar H$mo AnZm H $[a a AmJo ~T>Zo ghm Vm { bojr. df Ho$ Xm amz 06 nrs>ãë ys>r H$ Mm[a m H$mo {b{nh$s g dj go H$àlo dovz mz-1 nxmoýzv {H$ m J m h. (iv) H$ Mmar VWm emim CËnmXH$Vm {V mhr Am gv à{v H$ Mmar H$mamo~ma Wm H$mo `15.51 H$amo S>> go Wm H$mo `18.10 H$amo S>> VH$ ~T>m. à{v emim H$mamo~ma Wm H$mo ` H$amo S>> go Wm H$mo ` H$amo S>> VH$ ~T>m. (v) à{eju ~ H$ à^mdr à{eju àumbr h, {Ogo H$mo A{V[a³V gj l e{³v Am a Amdí H$ g amzm Ho$ O[aE gwñt> {H$ m J m h. H$ Mm[a m H$mo AnZr ^y{ H$m VWm CÎmaXm{ Ëdmo H$mo à^mdr T> J go {Z^mZo gj ~ZmZo VWm A{YH$ ñnym Ë H$, àm Úmo{JH$s CÝ wi, J«mhH$ H ${ÐV ~ qh$j dmvmdau AÀN>r Vah {ZînmXZ H$aZo VWm Cgo ~ZmE aizo hovw nmr>çh«$ m H$mo gwymam J m h. ~ H$ AnZo H$ Mm[a m H$mo à{v{ð>v g ñwmzm Ho$ gh moj go F$U, $m aošg, IOmZm à~ YZ, OmopI à~ YZ, mzd g gmyz, {dnuz, Am{X joìm {deof à{eju {Xbdm ahm h. {dîmr df Ho$ Xm amz, ~ H$ Zo {d^rýz g djm] Ho$ H$ Mm[a m H$mo à{eju {Xbm m h. Bg go H$ Mm[a m H$mo ~ H$ H$s AnZr g ñwmam à{eju {Xbm m J m VWm 1482 g wðnmar g ñwm²am g{hv à{v{ð>v ~mø à{eju g ñwm Am à{eju {Xbm m J m. (vi) AZwgy{MV Om{V/AZwgy{MV OZOm{V/AÝ {nn>s>o dj Ho$ H$ Mmar mm 2018 Ho$ A V VH$ Hw$b ñq>m $ go 3252 AZwgy{MV Om{V dj, 1236 AZwgy{MV OZOm{V dj Am a 4042 AÝ {nn>s>o dj Ho$ h. (vii) AZwgy{MV Om{V/AZwgy{MV OZOm{V H$j A.Om./A.O.Om. H$j g^r 32 joìr H$m m b m H$m H$a aho h VWm A.Om./A.O.Om. Ho$ d[að> A{YH$mar H$mo g nh $ A{YH$mar Ho$ ê$n nxzm{ V {H$ m J m h. àymz H$m m b A.Om./A.O.Om. H$j w» g nh $ A{YH$mar Ho$ AYrZ H$m av h. A.Om./A.O.Om. H$ Mm[a m H$s {eh$m Vm na {dmma H$aHo$ CZ na Vwa V {ZdmaH$ H$ma dmb H$s OmVr h. w» g nh $ A{YH$mar A.Om./A.O.Om. H$ Mmar H$ë mu g K d CZHo$ à{v{z{y m go àymz H$m m b { bvo h VWm 42

49 m ø a r a K {X Hw$N> {eh$m V hmo Vmo à.h$m. Ho$ g ~ {YV {d^mj H$mo {ZdmaU hovw ^oo XoVo h. Bgr àh$ma joìr à wi/g nh $ A{YH$mar joìr H$m m b ñva na {eh$m Vm H$m {ZdmaU H$aVo h. AmJo, gah$ma Ho$ mj {ZX}em Ho$ AZwgma, ~ H$ Ho$ à~ Y {ZXoeH$ Ed grb Amo Am a A.Om./A.O.Om. à{v{z{y m Ho$ ~rm {Z { V Vm a na {V mhr ~ R>H$ Am mo{ov H$s OmVr h. BZ ~ R>H$m, A.Om./A.O.Om. H$ Mm[a m go g ~ {YV H$moB {eh$m V hmo Vmo, A.Om./A.O.Om. H$ë mu g K Ho$ à{v{z{y m Ho$ gmw {dmma {d e {H$ m OmVm h VWm {ZnQ>m m OmVm h. àmßv g^r Aä mdoxzm H$mo EH$ a{oñq>a à{d{îq> H$s OmVr h VWm àë oh$ Aä mdoxz na H$s J r H$ma dmb ^r XO H$s OmVr h. g -g na w» g nh $ A{YH$mar Ûmam a{oñq>a H$m {ZarjU {H$ m OmVm h. Bgr àh$ma, g^r 32 joìr H$m m b m d àymz H$m m b Amo~rgr Ho$ {be AbJ go {Z w³v w» g nh $ A{YH$mar Ho$ AYrZ Amo~rgr H$j H$m av h. ~ H$ {Z { V Vm a go A.Om/A.O.Om. d A.{n.d. (AWm V AYrZñW H$ Mmar, {b{nh$ VWm dovz mz III VH$ Ho$ A{YH$m[a m ) Ho$ {be nxmoýz{v-nyd à{eju H$s ì dñwm H$aVm h. nrs>ãë ys>r H$ Mm[a m Ho$ H$ë mu Ho$ {be, ~ H$ Zo àymz H$m m b Ho$ gmw gmw joìr H$m m b ñva na ^r {Xì m J ì {³V m Ho$ {be {eh$m V {ZdmaU g{ {V H$m JR>Z {H$ m h. g{ {V H$s {V mhr ~ R>H $ {Z { V Am mo{ov H$s OmVr h, {Og nrs>ãë ys>r H$ Mm[a m H$s {d{^ýz {eh$m Vm H$mo hb {H$ m OmVm h Am a H$m Xem H$mo ~ohva ~ZmZo hovw VWm H$m ñwb H$mo Am a A{YH$ gwj ~ZmZo Ho$ {be CZHo$ gwpmd Am a {dmma m Jo OmVo h. h mam ~ H$ {Xì m J ì {³V g{hv A.Om/A.O.Om., A.{n.d. d Aëng» H$ g wxm Ho$ H$ Mm[a m Ho$ {be nxm Ho$ AmajU Ho$ g ~ Y ^mav gah$ma Ûmam {ZYm [av g^r Zr{V {Xem{ZX}em H$m AZwnmbZ H$a ahm h. (viii) ñq>m $ g ~ Y ~ H$ Ho$ g{h«$ Ed mzdr Ñ{îQ>H$moU Ho$ H$maU ~ H$ H$mo gh$mamë H$ n[aum àmßv hþe Am a ~ H$ Ho$ à~ YZ VWm H$ Mm[a m Ho$ gm y{hh$ à mgm go ~ H$ bjmvma àj{verb d {Õ Xem ahm h. dmvmdau gh$mamë H$ h VWm BgH$m n[aum mm 2018 H$mo g mßv {dîmr df Ho$ Xm amz ~ H$ H$s {Za Va d {Õ Ho$ ê$n à{vüd{zv hþam h. ~ H$ Am Úmo{JH$ g ~ Y gm hmx nyu VWm ñzohnyu h. df Ho$ Xm amz H$ Mm[a m Ûmam ~ H$ go g ~ {YV wôm Ho$ {be H$moB Am XmobZ AWdm AempÝV Zht ahr. H$ Mm[a m H$s {eh$m Vm Ho$ {ZdmaU H$aZo VWm {ddmx, {X H$moB, H$mo gm hmx nyu VarHo$ go Xÿa H$aZo Ho$ CÔoí go mý Vm àmßv y{z Zm Ho$ à{v{z{y m Ho$ gmw {Z { V A Vambm na gbmhh$ma g{ {V H$s ~ R>H $ Am mo{ov H$s OmVr h VWm BZ ~ R>H$m ~ H$ Ho$ erf H$m nmbh$ CnpñWV hmovo h. (ix) Iob-Hy$X J{V{d{Y m (H$) ~mñho$q> ~m b Q>r ~ H$ H$s ~mñho$q>~m b Q>r ~hþv CÎm {Zînm XZ {H$ m h. Egmo{gEeZ H$n do aza An Wo VWm wpëh$ gw Xa am eoå>r ApIb ^mavr ~mñho$q>~m b Qy>Zm Q> Ed {S>{dOZ ñq>oq> brj Vrgam ñwmz hm{gb {H$ m h. lr amooe Cßnya, {OÝhm ozo ^mav H$m à{v{z{yëd {H$ m h Am a à{v{ð>v EH$bì nwañh$ma àmßv {H$ m h. lr A{Zb Hw$ ma, Ho$AmoE (H$Zm Q>H$ Amob {nh$ g K) H$m àmßvh$vm Am a lr AaqdX ^mav Am a {dxoe {d{^ýz à{v mo{jvmam ^mav H$m à{v{z{yëd {H$E h. lr A{Zb Hw$ ma, lr H$m{V Ho$ Z Am a lr AaqdX Zo M ÝZB Am mo{ov 68d ZoeZb, H$Zm Q>H$ amá Q>r H$m à{v{z{yëd {H$ m h. lr lr{zdmg Jm S>m, lr ñq>m{bz Am a lr g O H$mo amá Egmo{g oez Ûmam M ZH$Vm Am a H$moM Ho$ ê$n ~wbm m J m Wm. (I) {H«$Ho$Q> Q>r {H«$Ho$Q> Q>r Zo Eboßnr H$n Q>r -20 OrV H$a AgmYmaU àxe Z {H$ m h. do à{vpîr>v Or 2 - àw lour Qy>Zm Q> 2017 Am a Q>r10 ~me Qy>Zm Q> ~ Jbya aza aho. lr Ama.{dZ Hw$ ma, lr gr.e. Jm V Am a lr Ho$. JmoV H$Zm Q>H$Zo à{v{z{yëd {H$ m h Am a ^mavr Q>r Ho$ {be g ^m{dvm Ho$ ê$n {Z { V à{eju h. lr Ho$.gr. H$m[a ßnm, lr OremZ Abr Am a lr amohz H$X Zo H$Zm Q>H$ H$m à{v{z{yëd Am a {Z mg EZ Zo {Ìd Ð H$m à{v{z{yëd H$aVo hþe auor Q >mo $s ^mj {b m. lr. Ho$ Jm V Zo AmB nreb 2018 amoñwmz am ëg H$m à{v{z{yëd {H$ m. lr amoeoia em ~b, lr amkd Ð gr, lr hoe, lr g Vmof Hw$ ma Am a lr Aæ ßnm Ho$ E H$mo amá Egmo{g oez Ûmam M ZH$Vm Am a H$moM Ho$ ê$n ~wbm m J m h. (J) H$~È>r Q>r H$ã~S>r Q>r EH$ AZwH$aUr ê$n ahr h Am a 43

50 dm{f H$ [anmoq> {Za VaVm àx{e V H$s h. do gya "Am b B {S> m o g H$n Qy>Zm Q>', MÝZam nå>u amá ñva H$~È>r Qy>Zm Q>, ~oëw JS>r amá ñva H$~È>r Qy>Zm Q> Ho$ {doovm h. ApIb ^mavr H$madma Qy>Zm Q> O I S>r, ~mjbh$moq> {Obo ApIb ^mavr H$~È>r Qy>Zm Q> Ho$ aýza h. lr àem V a, lr gwho$v ho½s>o, Omo à{v{ð>v EH$bì nwañh$ma àmßvh$vm h Am a lr g{mz dr. o$s>aoez H$n (aza ) Ho$ {be MwZo JE W. lr {Xdoe, lr mohå X BgmH$, lr amo{hv bm Am a lr gwzrb Zo 10dt ~rm H$~È>r M pån Z{en H$Zm Q>H$ H$m à{v{z{yëd {H$ m. lr àem V a, lr gwho$v hoj S>o, Omo Q>r Ho$ ñq>ma H$bmH$ma h, A~ 18 dt E{e mb Joåg Ho$ {be ^mavr à{eju {e{da Ho$ {be M Z {H$E JE h. CÝhm Zo H«$ e JwOamV $m À y Z O Q²g (H $ßQ>Z ) Am a h[a mum ñq>rbg H$m àmo H$~È>r 2017 à{v{z{yëd {H$ m h. (x) ñq>m $ H$ë mu Cnm Am{W H$ H$m {d^mj, {dîm Ìmb, ^mav gah$ma Ho$ {ZX oem Ho$ AZwgma {Zdb bm^ Ho$ 3%, A{YH$V `15.00 H$amo S>> VH$ H$s am{e H$mo ~ H$ Ho$ H$ Mm[a m Ho$ H$ë mu hovw Am~ {Q>V {H$ m OmZm h. ~ H$ {d{^ýz ñq>m $ H$ë mu moozme h O go 1. H $Q>rZ AZwXmZ 2. g mmma nì à{vny{v 3. dm{f H$ ñdmñï Om M 4. à.h$m. ñdmñï Šbr{ZH$ 5. A{Yd{f Vm na godm{zd Îm H$ Mm[a m Am a dramaeg {dh$ënr {OÝhm Zo 60 gmb H$s Am w nyar H$s h, H$mo dm{f H$ {M{H$Ëgm ghm Vm 6. aov O Vr nwañh$ma àxmz H$aZm 7. mbbñq>moz nwañh$ma àxmz H$aZm 8. AYrZñW ñq>m $ gxñ mo Ho$ ~ÀMm Ho$ {be b n-q>m n àxmz H$aZo H$s Z r moozm 9. ñq>m $ gxñ m Ho$ à{v^membr ~ÀMm Ho$ {be ZH$X àmoëgmhz 10. dr-e{³v, dr-gw~mo{yzr, dr-àj{v Ho$ AYrZ ~m{bh$mam H$mo N>mÌd {Îm àxmz H$aZm 11. {deof ê$n go {hbm H$ Mm[a m Ho$ {be S>m ¾mobpñQ>H$ ({ZXmZmW ) narju H$s à{vny{v 12. {hbm H$ Mm[a m Ho$ {be 3 gmb VH$ Ho$ ~ÀMm Ho$ {be H«o$M ^Îmo H$s à{vny{v 13. ~ H$ H$s {hbm AYrZñW H$ Mm[a m Ho$ {be gms>r / gbdma H$ ro H$s IarX hovw ì H$s à{vny{v {Zdb bm^ Ho$ yb {ZYm [av {Z{Y Ho$ 3% go AnZmB JB Cnamo³V H$ë mu moozmam Ho$ Abmdm, godm{zd {Îm g^r ny.h$m.ñdr//a.h$m.ñdr Ho$ {be ^mavr ~ H$ g K H$s {M{H$Ëgm ~r m moozm Ho$ àr{ ~ H$ ^a ahm h. (xi) {do m ~ H$ ñq>m $ H$ë mu {Z{Y Ý mg {do m ~ H$ ñq>m $ H$ë mu {Z{Y Ý mg go J{R>V {H$ m J m h. Ý mg Ho$ A VJ V AnZmB H$B {d{dy H$ë mu moozme {ZåZmZwgma h : 1. H$ Mm[a m Ho$ ~ÀMm H$mo N>mÌd {Îm XoZm 2. AñnVmbrH$aU ì Ho$ Xmdo Ho$ eof ì H$s à{vny{v 3. Mí o Ho$ ì H$s à{vny{v 4. V H$ Mmar Ho$ Am{lVm H$mo A {V g ñh$ma ì 5. A{Yd{f Vm na godm{zd Îm hþe H$ Mm[a m H$mo ZH$X àmoëgmhz am{e XoZm 6. mz{gh$ ê$n go Aj /ñnmpñq>h$ ~ÀMm Ho$ mvm-{nvm, Omo h mao H$ Mmar h, CZH$mo ghm Vm/N>mÌd {Îm CnbãY H$amZo hovw moozm 7. {Xì m J H$ Mm[a m /CZHo$ ~ÀMm H$mo H ${Ì A J /ldu CnH$aU/~ gmir Am{X CnbãY H$amZo hovw moozm 8. ñq>m $ gxñ mo Ho$ {be {e bm, {Vén{V, O nwa, Jmodm, nwar, {Xëbra {eas>r VWm ~ Jbyê$ hm {bs>o hmo H$s gw{dym àxmz H$s JB h 9. nrs>ãë ys>r ñq>m $ gxñ m Ho$ ~ÀMm Ho$ {be N>mÌd {Îm àxmz H$aZo H$s moozm 10. nrs>ãë ys>r ñq>m $ gxñ m Ho$ ñhy$b Z OmZodmbo {Xì m J ~ÀMmo Ho$ {be dm{f H$ {dîmr ghm Vm CnbãY H$amZo H$s moozm 11. nrs>ãë ys>r ñq>m $ gxñ m H$mo {ddmh Ho$ g {dîmr ghm Vm CnbãY H$amZo H$s moozm. ~ H$, n[adma H$ë mu moozm ^r Mbm ahm h {OgHo$ AYrZ moozm Ho$ gxñ m go EH${ÌV am{e VH$ ñq>m $ gxñ Ho$ n[adma Ho$ gxñ m (Zm{ {V m ) H$mo {dv[av H$s OmVr h. Cn w ³V Ho$ A{V[a³V, ~ H$ Ûmam nrs>ãë ys>r ñq>m $ gxñ m Ho$ {be Hw$N> H$ë muh$mar moozme AnZmB JB h : 44

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52 dm{f H$ [anmoq> gwajm ì dñwm ~ H$ g^r IVam, C^aVr MwZm {V m Am a {d{z m H$, gah$ma Am a H$mZyZ àdv Z A{YH$m[a m Ho$ {Xem{ZX}em Ho$ AmYma na, à^mdr, Hw$eb, S>aa{hV Am a àj{verb ê$n gwajm g mymz àxmz H$aZo Ho$ {be g^r emimam, H$m m b m, H$a gr MoñQ> Am a EQ>rE gwajm ì dñwm H$s bjmvma g rjm H$a ahm h. {ZYm [av Zr{V m Am a Amdí H$VmAm Ho$ AZwgma ~ H$ bjmvma gwajm Am a gwajm à~ YZ H$mo {dh${gv H$aZo Am a gwymazo Ho$ {be à mg H$a ahm h. df Ho$ Xm amz gwajm Cnm m H$mo O~yV H$aZo Ho$ {be {ZåZ{bpIV g{h«$ Am a {ZdmaH$ Cnm m H$s ewéamv H$s JB : ZB emimam /MoñQ>m H$mo hmb [agmobwez AmB nr H $ am g{hv {S>{OQ>b grgrq>rdr {gñq> {XE JE h g^r emimam H$mo dm a Am a dm abog {S>Q>oŠQ>am Ho$ gmw hmb{~«s> Abm {gñq> àxmz {H$E JE h g^r emimam H$mo ~r~r Šbm g go $ Am a ^mavr [aod ~ H$ Ho$ {d{zx}ez Ho$ AZwê$n ñq >m J ê$ àxmz {H$ m J m h gwajm H$s {~ÝXþ go H$ Omoa Ho$ ê$n djuh $V emimam H$mo H$m -g Ho$ Xm amz geó gwajm JmS> àxmz {H$E JE h ~ H$ Ho$ g^r EQ>rE ñwmzm AmonoŠg AmYma na B - {ZJamZr bmjy h dmñv{dh$ g na {H$gr ^r g {X½Y m {df ì dhma H$s gwajm hovw gwajm àm{yh$m[a m H$mo AbQ> aizo Ho$ {be ~ H$ Ho$ dmb S> E[a m ZoQ>dH $ Ho$ {be EQ>rE gmbq> Am a emimam H$s grgrq>rdr àumbr H$mo B -{ZJamZr go qbh$ {H$ m J m h Amd{YH$ g rjm H$m Am mooz, gwajm ì dñwmam H$mo Am a ^r O~yV ~ZmZo hovw g{h«$ Cnm m H$mo AnZmZo Ho$ {be Am a H$ Omo[a m H$m AmH$bZ H$aZo hovw àh$m d joìr H$m m b gwajm g{ {V H$m JR>Z {H$ m J m h ~ H$ H$mZyZ àdv Z EOopÝg m Ho$ gmw {ZH$Q> g nh $ ~Zm m aivm h Am a àm{bv gwajm Oê$aVm H$mo nyu H$aZo Ho$ {be V ma h 16. J«mhH$ godm (i) J«mhH$ godm Am a {eh$m Vm H$m {ZnQ>mZ CËH $îq> J«mhH$ godm àxmz H$aZm ~ H$ H$mo ñnîq> ê$n go A{YH$ à{vñnyu ~ZmZo H$m EH$ mì à^mdr VarH$m h. Bggo ~ qh$j godmam H$mo Hw$ebVmnyd H$ àxmz H$aZo, bm^xm H$ ì dgm m S>b {dh${gv H$aZo Am a àm Úmo{JH$s H$mo ~ohva T> J go {dh${gv H$aZo Ho$ {be ZdrZV Am a bmjv à^mdr V Ì V ma H$aZo H$s Amdí H$Vm hmovr h. C{MV godm àxmz H$aZm Am a g rjm V Ì Ho$ mü go J«mhH$ {eh$m Vm H$mo H$ H$aZm ~ H$ H$m CÔoí h. J«mhH$ {eh$m Vm Ho$ Ëd[aV g mymz hovw " mzh$sh $V gmd O{ZH$ {eh$m V {ZdmaU àumbr (EgnrOrAmaEg) AnZmB JB h. J«mhH$, ~ H$ do~gmbq> Ho$ O[aE EgnrOrAmaEg nmoq> b AnZr {eh$m Vm H$mo XO H$a gh$vo h VWm {eh$m Vm H$m g mymz g ~Õ VarHo$ go {H$ m OmVm h. AÝ mú O go nì, B - ob Am a Xÿa^mf Ûmam àmßv {eh$m Vm H$mo ^r Bg gm mý ßbm Q> $m XO H$a gh$vo h. {eh$m Vm Ho$ g mymz hovw {gñq> BZ {eh$m Vm H$mo g ~ {YV emim/h$m erb {d^mj/ H$m m b m H$mo ào{fv H$aVm h. emim ñvana J«mhH$ godm g{ {V J{R>V H$s OmVr h Vm{H$ emim ñva na J«mhH$m Am a ~ H$ Ho$ ~rm g àofu Ho$ Am nmm[ah$ M Zb H$mo àmoëgm{hv {H$ m Om gho$. emim ñva H$s J«mhH$ godm g{ {V {Og d[að> ZmJ[aH$m Am a n ezxmam g{hv g mo Ho$ {d{^ýz djm] Ho$ J«mhH$ em{ b hmoh$a hrzo EH$ ~ma { bvo h. {dmmam / gwpmdm H$mo EH${ÌV H$a, J«mhH$ godm na ñwm r g{ {V Ho$ AÜ j, AWm V H$m H$mar {ZXoeH$ Ho$ g j àñvwv {H$ m OmVm h. {Og g{ {V J a A{YH$mar CZHo$ ñdv Ì à{v{h«$ m àmßv H$aZo Ho$ {be ñdv Ì gxñ m Ho$ ê$n em{ b h. g{ {V {V mhr EH$ ~ma { bvr h VWm ~mos> H$s J«mhH$ godm g{ {V H$mo AnZr [anmoq> àñvwv H$aVr h. à~ Y {ZXoeH$ Am a grb Amo Ho$ ZoV Ëddmbr S>b H$s J«mhH$ godm g{ {V H$m H$mar {ZXoeH$ Am a S>b Ho$ AÝ {ZXoeH$ VWm {deofk Am a J«mhH$m Ho$ à{v{z{y Am {ÌVm Ho$ ê$n em{ b h, Omo ~ H$ H$m nm}aoq> àemgz g amzm Am a ~ H$ Ûmam àxmz H$s OmZo dmbr J«mhH$ godm H$s JwUdÎmm {Za Va gwyma bmzo Ho$ {be Zr{V m V ma H$aZo Am a Am V[aH$ ê$n go AZwnmbZ H$m yë m H$Z H$aZo ~ H$ H$mo gj ~mzme Jo. ~ H$ àm{bv àwmam Am a à{h«$ mam H$s g rjm H$aZo Am a Amdí H$ gwymamë H$ H$ma dmb H$aZo Ho$ {be {eh$m V Ho$ yb H$maU Ho$ {díbofu Ho$ gmw-gmw {eh$m V H$m àh$ma Am a dj w³v Ì m{gh$ g rjm ZmoQ> S>b Ho$ gå wi àñvwv {H$ m J m h. ~ H$ Zo {dîm Ìmb, {dîmr godm {d^mj, ZB {Xëbr Ho$ {ZX}em H$m AZwnmbZ {H$ m h, {OZ {eh$m Vm Ho$ {ZnQ>mZ H$s pñw{v H$s g rjm na àj{v g dmx Ho$ Xm amz mzzr àymz Ìr H$s {Q>ßn{U m go AdJV H$am m Wm Am a 46

53 r Z V r Z w a r a m m a r a {Xem-{ZX}em Ho$ AZwgma à~ Y {ZXoeH$ Am a grb Amo Ûmam {eh$m Vm H$s gmßvm{hh$ g rjm H$aZo H$s àumbr ewé H$s JB, {OgHo$ AZwgma g gr m Ho$ {ZYm au Ho$ yë m H$Z VWm CÎma H$s JwUdÎmm Am a H$s JB H$ma dmb H$m {ddau H$m AmH$bZ {H$ m OmVm h Am a àemg{zh$ gwyma Am a bmoh$ {eh$m V {d^mj, ZB {Xëbr H$mo àñvwv {H$ m OmVm h. ~ H$ Zo hm à~ YH$ Ho$ a H$ Ho$ àymz ZmoS>b A{YH$mar H$s {Z w{³v H$s h, Omo nyao ~ H$ J«mhH$ godm H$m H$m m Ýd Z VWm {eh$m V H$s {ZJamZr H$aZo Ho$ {be CÎmaXm r h. ~ H$ Zo joìr à~ YH$m H$mo CZHo$ {Z ÌUYrZ AmZodmbr emimam go g ~ {YV {eh$m Vm H$s {ZJamZr H$aZo hovw ZmoS>b A{YH$mar Ho$ ê$n Zm{ V {H$ m h.zmos>b A{YH$mar( m ) Ho$ Zm VWm g nh $ {ddau emim Ho$ ZmoQ>rg ~mos> àx{e V {H$E OmVo h. ^m.[a.~. Ho$ {Xem{ZX}em Ho$ AZwgma, ~ H$ Zo J«mhH$ H$s g VwîQ>r Ho$ AZwgma g mymz Zht H$s JB {eh$m V VWm ~ H$ Ho$ Am V[aH$ {eh$m V g mymz V Ì Am {eh$ ê$n go {ZnQ>mB JB {eh$m Vm H$s Om M H$aZo Ho$ {be Am V[aH$ bmoh$nmb H$mo {Z w³v {H$ m h. {ZåZV{bpIV nhbwam na h mao ñq>m $ gxñ mo H$mo g doxzerb ~ZmZo Ho$ {be h mao ñq> $ à{eju hm{dúmb Ûmam {XE OmZodmbo g^r à{eju H$m H«$ J«mhH$ godm na EH$ gì A{Zdm H$a {X m h : O~ J«mhH$ ~ qh$j godmam H$m Cn moj H$aZm MmhVo h V~ J«mhH$ H$mo Amam Xm H$ dmvmdau àxmz H$aZo Ho$ {be J«mhH$m H$mo ~ZmE aizo Ho$ {be CZH$s g Vw{îQ> hovw JwUdÎmmo H$s godm àxmz H$aZm J«mhH$ H$s godm na Omoa XoZo Ho$ {be "J«mhH$ godm, ~ H$ Ho$ H$mamo~ma H$s Oê$aV h Am a gm m{oh$ godm Zht h ' Bg AmXe Ho$ gmw ~XbZm h J«mhH$m Ho$ gmw AnZm ì dhma ghmzw^y{v H$m hëd Ho$ ~mao nhbr n ³Vs Ho$ ñq>m $ H$mo à^m{dv H$aZm df Ho$ Xm amz ~ H$ Ho$ J«mhH$ g Vw{îQ> gymh$m H$ na EH$ gd}ju Am mo{ov H$aZo Ho$ {be EH$ ñdv Ì EO gr H$mo MwZm J m Wm. EO gr Zo ~ H$ Ho$ {be CÎm J«mhH$ godm hm{gb H$aZo Ho$ à{v J«mhH$ g Vw{îQ> VWm g J«{ZînmoXZ (ii) H$mo ~ohva T> J go g PZo, gwyma Ho$ joìm H$s nhmmz H$aZo Am a g ^m{dv ê$n go ~ H$ Ho$ {be mzh$ ñwm{nv H$aZo hovw H$ Mm[a m Ho$ gd}ju, XmoZm Ho$ mü go àë oh$ Zm mo{ôîq> 849 emimam H$m {ZînmXZ {díbo{fv {H$ m h. H$m b g Q>a H$m b g Q>a J«mhH$m Ho$ {be g nh $ H$m nhbo ñva Ho$ ê$n ~ H$ H$s N>{d {dh${gv H$aZo hëdnyu ^y{ H$m {Z^mVm h. h ~ H$ Ûmam {XE OmZodmbo g^r CËnmXm Ed godmam Ho$ {be EH$ mì Cnm Ho$ ê$n H$m H$aVm h. BgHo$ Abmdm h EH$ {Z~m Y godm H$s gw{dym àxmz H$aVm h Am a J«mhH$m H$s {eh$m Vm H$mo Xÿa H$aVm h. ~ H$ Zo 3 {d{^ýz d H$m b g Q>am, O go VrZ {d{^ýz ñwmzm na H$m av gm mý ~ qh$j, ZoQ> ~ qh$j Am a H$mS> à^mj, H$mo Mm ~rgm K Q>o H$m av AmCQ>gmog {H$ m J m EH$ H$m b g Q>a EH$sH $V {H$E h. J«mhH$m / emimam go àmßv> H$m b H$mo g ^mbzo Ho$ A{V[a³V, H$m b g Q>a Ho$ H$m nmbh$ dr-zoq> ~ qh$j Am a H$mS> hm Q>{bpñQ> J go g ~ {YV B obm H$mo g ^mbvo h. ~ H$ Amdmg F$U VWm dmhz F$U CYmaH$Vm Am Ho$ {deof CëboI ImVm Ho$ ~ T>Vo ñva na ZOa aizo Ho$ {be H$m AmCQ>~mC S> H$m b g Q>a ^r h. h à{h$ m ~ H$ Ho$ {be ~ohva {Z ÌU, IwXam F$Um H$mo AÀN>r Vah go {ZJmh aizo Ho$ {be Am a BZ ImVm H$mo EZnrE g dj { $gbzo go amoh$vm h. ñwmnzm Ho$ ~mx go, ~ H$ Ho$ ~ T> aho J«mhH$ AmYma Ho$ gmw Vmb ob aizo Ho$ {be H$m b g Q>a Ho$ H$m nmbh$m H$s g» m bjmvma ~ T>m ahm h. ~ H$ Ûmam ewê$ {H$E JE ZE A{^ mzm Am a CËnmXm na J«mhH$ Ho$ àým H$mo A{YH$ Hw$ebVmnyd H$ g ^mbzo XX H$aZo Ho$ {be ~ H$ H$m b g Q>a H$ Mm[a m H$mo {Z { V ê$n go à{eju Xo ahm h. (iii) ^mavr ~ qh$j g {hvm d mzh$ ~mos> (~rgreg~ramb ) ~rgreg~ramb H$m gxñ hmozo Ho$ ZmVo ~rgreg~ramb Ûmam V ma H$s J r ñd pàn>h$ g {hvm H$mo ~ H$ Zo AnZm m h AWm V (i) "J«mhH$m Ho$ à{v ~ H$ H$s à{v~õvm g {hvm 2014' (ii) "gyú Ed bkw CÚ m Ho$ à{v ~ H$ H$s à{v~õvm g {hvm 2015' (g {hvm). ~ H$ Zo ~rgreg~ramb Ho$ mj {ZX}emZwgma H$B Zr{V m H$mo ^r V ma {H$ m h VWm CgH$m AZwnmbZ {H$ m h. g^r emimam H$mo EH$ ì mnh$ gymzm ~mos> àxmz {H$ m J m h {Og emim n[aga àx{e V hmozo dmbr g^r A{Zdm gymzme em{ b h, {Oggo ~rgreg~ramb Ho$ gymzm àgma g {hvm H$m AZwnmbZ {H$ m Om ahm h. g {hvm Ho$ àmdymzm H$mo g m{hv {H$E JE J«mhH$ 47

54 dm{f H$ [anmoq> godm na EH$ gì H$mo H$ Mmar gm mý ~ qh$j à{eju H$m H«$ m em{ b {H$ m J m h Vm{H$ ghr m Zo g {hvmam H$m AZwnmbZ {H$ m Om gho$. ~rgreg~ramb Zo OZdar 2018 'J«mhH$m Ho$ {be ~ H$ H$s dmz~õvm g {hvm' g emoyz {H$ m h Am a ~ H$ Zo g emo{yv {Xem{ZX} em H$m nmbz H$aZo Ho$ {be H$B H$X CR>mE h. J«mhH$m Ho$ gab g X^ hovw g {hvme ~ H$ Ho$ H$m m b rz do~gmbq> CnbãY H$am m J m h. J«mhH$ h mar {H$gr ^r emim BgH$m EŠgog H$a gh$vo h. (iv) emim mhm b ~ H$ H$s EH$ à wi àmw{ H$Vm h J«mhH$ H$s Iwer gwyma. BgHo$ {be, ~ H$ Zo J«mhH$ godm, emim H$m mhm b VWm EQ>rE H$s JwUdÎmm gwyma bm m J m h Vm{H$ h mao n[aga AmZo dmbo J«mhH$m H$mo gm hmx nyu dmvmdau àxmz {H$ m Om gho$. emime A~ AÚ{VV Zmo{Q>g ~mos> Am a CËnmX {ddau Ho$ gmw gm $ Am a ñdàn> h. h J«mhH$m H$mo gwix ~ qh$j AZw^d àxmz H$aVm h VWm h mao n[aga H$s ñdàn>vm VWm JwUdÎmm godm Ho$ m bo ~ H$ H$s N>{d ~ T>mZo XX H$aVm h. h mar g^r emime VWm H$m m b dmvmzwhy${bv h Omo J«mhH$m H$mo g^r yb^yv gw{dymam Ho$ gmw noeoda ~ qh$j mhm b àxmz H$aVr h. {Xì m J J«mhH$m, d[að> ZmJ[aH$m H$s gw{dym hovw oq >mo emimam a n CnbãY H$amE JE h. emimam {Xì m J {hbm J«mhH$m H$mo àmw{ H$Vm Ho$ AmYma na godm àxmz H$s OmVr h. ~ H$, ^m.[a.~. Ho$ mj {ZX}emZwgma d[að> ZmJ[aH$m Am a {Xì m J ì {³V m H$s Amdí H$VmAm H$mo nyam H$aZo Ho$ {be {d{eîq> àmdymzm Ho$ gmw g^r àmw{ H$Vm Am a gw{dyme àxmz H$a ahm h. 17. gm m{oh$ r{s> m gmoeb r{s> m CÚmoJm dv mz àoaum h Am a ~ qh$j CÚmoJ H$s CnpñW{V H$m {hñgm h Am a ^{dî ~ qh$j H$mo ñwmzm V[aV H$aZo H$s Cå rx h Am a h CÚmoJ H$mo EH$ ZE wj bo OmEJm. gmoeb r{s> m {H$gr ^r CÚmoJ hëdnyu bmojm VH$ nhþ MZo Ho$ {be EH$ gw{dymozh$, gwb^ Am a gab M h, OrdZ Ho$ {d{^ýz joìm H$s bj^j g^r ì {³VËd em{ b h. VËH$mb, Cn mojh$vm CZ bmojm go Ow S> gh$vo h {OÝh do gm mý g àofu AÝ g àofum Ho$ mü go Zht nhþ M gh$vo h Am a CZ g ~ Ym H$mo ñwm{nv H$a gh$vo h Omo VËH$mb g ~ Y ewê$ H$a gh$vo h Am a em{ b g^r nm{q > m H$mo bm^ nhþ Mm gh$vo h ; H$^r-H$^r, Am ZbmBZ Cn mojh$vm Am Ûmam BgH$m Xþén moj {H$ m Om gh$vm h. Bg{bE, Amdí H$ Om M H$s OmZr Mm{hE. AmZo dmbo {XZm gmoeb r{s> m CÚmoJ ~ S>m A Va S>mb gh$vm h Omo J«mhH$m Am a AÝ {hvymah$m Ho$ {X mj EH$ ~ S>m à^md S>mb gh$vm h. gmoeb r{s> m H$s CnpñW{V {Zdoe AJbo XeH$ ^mar bm^ CR>m gh$vm h Am a Xm S> nhbo ydg H$mo bm^ àxmz H$aoJm. ~ H$ Zo {XZm H$ H$mo o$g~wh$, {Q >Q>a, qbšs>bz, B ñq>mj«m Am a yq>çy~ na AnZr CnpñW{V H$s ewéamv H$s. ~ H$ Zo {nn>bo 20 hrzm go AnZo ApñVËd> H$mo gwñt> {H$ m h VWm ~ H$ Zo AnZo gmoeb r{s> m n ð>m na H$m $s àe gh$m H$m {dídmg H$ m m. ~ H$ H$m o$g~wh$ Zo amîq >r H $V ~ H$m VoO J{V {dh${gv hþam h 31 mm, 2018 H$mo 4.2 bmi go Á mxm ng X noo AmH $îq> {H$E h. gmoeb r{s> m na ~ H$ Ûmam Am mo{ov AmnHo$ ~ qh$j A{YH$ma OmZ à{v mo{jvm Zo df 2017 Ho$ Xm amz ~re $EgAmB Ûmam erf 5 gm m{oh$ A{^ mzm Xÿgam ñwmz àmßv {H$ m h. ~ H$ Zo gmoeb r{s> m Ho$ mü go ~ qh$j godme ewé H$s h Am a ~ H$ Ho$ J«mhH$ A~ {Q >Q>a VWm o$g~wh$ Ho$ mü go J«mhH$ n OrH$aU, ImVm eof, { Zr ñq>oq> Q>, {Z{Y A VaU Am a {~b ^wjvmz O gr gw{dymam H$m bm^ CR>m gh$vo h. {Q >Q>a ~ qh$j A{YH$ bmoh${à h. ~ H$ Zo gmoeb r{s> m H$s CnpñW{V VWm AnZo g^r gmoeb r{s> m M Zbm na OmJê$H$Vm H$m $s à^md S>mbm h gmoeb r{s> m Ho$ ñwmvz, AnZo àdoe Ho$ Ama ^ go, CëboIZr d {Õ H$s h. 18. gah$mar H$mamo~ma, S>rnr godm VWm ~r m {do m ~ H$ g -g na ^mav gah$ma Ûmam ewê$ H$s JB {d{^ýz moozmam H$mo H$m m pýdv H$aZo AJ«Ur ahm h. àm Úmo{JH$s Ho$ Hw$eb Am a à^mdr Cn moj Ho$ mü go, h AnZr emimam AnZo gå m{zv J«mhH$m H$mo ~mymam go w³v AZw^d àxmz H$aZo Ho$ CÔoí go gah$mar moozmam H$mo bmjy H$a aho h. h mao ~ H$ Ûmam H$m m pýdv H$s J r Hw$N> moozme {ZåZmZwgma h : (i) àë j H$a VWm AàË j H$a dgybr : H $Ðr àë j H$a ~mos>, ZB {Xëbr Zo h mao ~ H$ H$mo B Q>aZoQ> ~ qh$j Ûmam h mao J«mhH$m H$mo CnbãY 'B -no Q>' gw{dym Ûmam Am μ $bmbz mos> (Zm{ V emimam Ûmam àofu) m Am ZbmBZ mos> Ûmam àë j H$a dgyb H$aZo H$s AZw {V àxmz H$s h. h Zo 276 emimam H$mo Am μ $bmbz mos> Ho$ mü go àë j H$a dgybzo hovw àm{yh $V {H$ m h. {dîmr df Ho$ Xm amz, h mao ~ H$ Zo Hw$b 4.93 bmi àë j H$a bozxoz g gm{yv {H$E h. h mao J«mhH$, AnZr dr-zoq> ~ qh$j gw{dym Ûmam H $Ðr 48

55 a E a b J m a m Z m a (ii) CËnmX ewëh$ O go AàË j H$a ^r AXm H$a gh$vo h. h {XZm H$ go, AmoQ>rgr mos> (H$mC Q>a na), BboŠQ >m {ZH$ mos> ({do m ~ H$ J«mhH$ dr-zoq> ~ qh$j Ho$ mü go {dàofu H$a gh$vm h ) VWm AmaQ>rOrEg/ EZB E $Q>r Ho$ mü go gm mz Am a godm H$a (OrEgQ>r) dgyb H$a aho h. Xoe ^a h mar g^r emime J«mhH$m go OrEgQ>r MmbmZ dgyb H$aZo Ho$ {be àm{yh $V h. {XZm H$ go h Zo `3419,77,92,266 am{e Ho$ 2,40,212 OrEgQ>r MmbmZm H$mo g $bvmnyd H$ g gm{yv {H$ m h. n ez H$m H $ÐrH $V ^wjvmz : Ho$ÝÐr gah$mar n ezam H$s n ez Ho$ H $ÐrH $V ^wjvmz Ho$ {be àymz H$m m b EH$ g {n V Ho$ÝÐrH $V n ez àg ñh$au H $Ð (grnrnrgr) H$m av h. Ho$ÝÐr {g{db, Xÿag Mma, S>mH$, ajm, aobdo, Ý m myrem Am a ñdv ÌVm gozm{z m Ho$ n ez O go g^r àh$ma H$s n ez H$mo àymz H$m m b Ho$ grnrnrgr H$j Ûmam H $ÐrH $V ^wjvmz {H$ m OmVm h. g^r emime H$Zm Q>H$, Am Y«àXoe, Ho$ab, V{ bzmsw> amá m Am a Mma oq >mo eham H $Ðr ZmJ[aH$, ajm, Xÿag Mma, S>mH$ n ez g {dv[av H$aZo Ho$ {be àm{yh $V h. (iii) AQ>b n ez moozm (EnrdmB ) : h mam ~ H$ AQ>b n ez moozm, Omo ^mav gah$ma Ûmam ewê$ H$s JB hmz Ñ{îQ>H$moU w³v AÀN>r Vah go n[a^m{fv n ez àxmz H$aZo H$s moozm, {deof ê$n go Jar~ VWm d {MV bmojm Ho$ {be, H$m m pýdv H$aZo EH$ gàmm M {n Z ahm h. h mao nmg EnrdmB ImVm H$mo ImobZo Ho$ {be 1603 Zm{ V emime h. h mao ~ H$ Zo {dîmr df Ho$ Xm amz 1,15,510 EnrdmB ImVm H$mo Imobm h Am a nre $AmaS>rE Ûmam ewê$ {H$E JE g^r EnrdmB A{^ mzm erf ~ H$m go EH$ h. (iv) gmd O{ZH$ ^{dî {Z{Y (nrnre $) : h mao ~ H$ h moozm 2006 ewê$ H$s JB. ~ H$ H$s 887 emimam H$mo bmoh$ ^{dî {Z{Y ImVm H$mo ImobZo Ho$ {be àm{yh $V {H$ m J m h. ~ H$ Zo {dîmr df ,639 ImVo Imobo h. (v) (vi) gwh$ý m g {Õ moozm : ~ H$ H$s 887 emime gwh$ý m g {Õ moozm H$mo g ^mbzo Ho$ {be àm{yh $V h. {dîmr df ~ H$ Zo 3508 ImVo Imobo h. d[að> ZmJ[aH$ ~MV moozm (EggrEgEg) : h moozm h mar MwqZXm emimam Ho$ mü go àxmz H$s OmVr h. {dîmr df ~ H$ Zo 1684 ImVo Imobo h. (vii) gmd[az JmoëS> ~m ÝS> (EgOr~r) : ~ H$ H$s g^r emime Bg moozm Ho$ VhV AmdoXZ ñdrh$ma H$aZo Ho$ {be Zm mo{ô{îq> h. {dîmr df Ho$ {be h mar emimam Hw$b 1,16,361 J«m gmozo Ho$ ~m S> ~omo JE h. {ZjonmJma godm E Ed EEg~rE (i) {ZjonmJma ^mjrxma ImVm VWm Am ZbmBZ Q >oqs>j {do m ~ H$ amîq >r à{v^y{v {ZjonmJma {b{ Q>oS> Ho$ gmw {ZjonmJma ^mjrxmar (S>rnr) h. h mam ~ H$ {ZåZJ{bpIV {ZjonmJma godme àxmz H$aVm h : ImVm ImobZm à{v^y{v m H$m A yvuh$au (eo a, {S>~ Ma, å ymwab $S>, Am{X) EZEgS>rEb VWm grs>regeb Ho$ gmw OwS>o ñq>m H$ {d{z m ì mnma H$m BboŠQ >m {ZH$ {ZnQ>mZ ~ H$ F$U Ho$ à{v A yv à{v^y{v H$s {Jadr/Ñ{îQ>~ YH$ gmd O{ZH$ {ZJ Am~ {Q>V à{v^y{v m H$s BboŠQ >m {ZH$ O m O~ H$^r Amdí H$ hmo ImVm H$m amoh$ bjmzm Vm{H$ ImVo go Zm o H$s AZw {V Z hmo A yv ImVm Ho$ {be Zm m H$Z gw{dym nvo n[adv Z, ~ H$ ImVm {ddau, Am{X go g ~ {YV godme à{v^y{v m H$m àofu H$aZm EZEgS>rEb AmB S>rB EEg gw{dym ~ H$ Am ZbmBZ Q >oqs>j gw{dym àxmz H$aZo Ho$ {be AmB S>r~rAmB H ${nq>b Ho$ gmw Q>mB-An {H$ m h. (ii) AdéÕ am{e Ûmam g {W V AmdoXZ (EEg~rE) : ~ H$ EggrEg~r H$s gymr em{ b h h go à^mdr h. Adê$Õ am{e Ûmam g {W V AmdoXZ (EEg~rE) Ho$ {be S>rnr H$j {Z ÌU emim h Am a g^r emimam H$mo EEg~rE H$m AmdoXZ ñdrh$ma H$aZo hovw nxzm{ V {H$ m J m h. ~r m OrdZ ~r m H$mamo~ma : J«mhH$m H$s OrdZ ~r m Amdí H$VmAm Ho$ {be ~ H$ Zo ^mavr OrdZ ~r m {ZJ Ho$ gmw H$m nm}aoq> EO gr H$ama ì dñwm H$s h. 49

56 dm{f H$ [anmoq> gm mý ~r m H$mamo~ma : J«mhH$m H$s J a-ordz ~r m Amdí H$VmAm H$s ny{v Ho$ {be ~ H$ Zo yzmbq>os> B {S> m B í ya g H $nzr {b. Ho$ gmw H$mnm}aoQ> EOoÝgr H$ama {H$ m h. gah$mar gm m{oh$ gwajm ~r m moozm : ~ H$ Zo nmì g^r ImVm YmaH$m Ho$ {be {be àymz Ìr OrdZ Á mo{v ~r m moozm (nre Eg~rdmB ) Ho$ A VJ V ~r m H$da àxmz H$aZo Ho$ {be ogg ^mavr ñq>oq> ~ H$ OrdZ ~r m H $nzr {b{ Q>oS> Ho$ gmw VWm àymz Ìr gwajm ~r m moozm (nre OoOo~rdmB ) Ho$ A VJ V ~r m H$da àxmz H$aZo Ho$ {be ogg wzmb Q>oS> B {S> m ~r m H $nzr {b{ Q>oS> Ho$ gmw H$ama {H$ m h. Wm H$mo, ~ H$ Zo nre OoOo~rdmB VWm nre Eg~rdmB Ho$ AYrZ {ZåZ{bpIV Zm m H$Z {H$ m h : moozm Zm m H$Z H$s g» m nre OoOo~rdmB 4,35,502 nre Eg~rdmB 15,89, {dnuz Ed àmma (i) {dnuz ~ H$ Ho$ à.h$m. pñwv {dnuz H$j Xoe^a {d{^ýz joìr H$m m b m / AmaEgrnrgr d E EgE B H$j H$m av g^r {dnuz A{YH$m[a m H$s g{h«$ à{v^m{jvm go ~ H$ Ho$ {d{^ýz CËnmXm Ho$ àmma d {dnuz g{h«$ ê$n go H$m av h. (ii) àmma VWm OZg nh $ {dîmr df Ho$ Xm amz ~ H$ d CgHo$ CËnmXm H$s Ñí Vm H$mo g nyu Xoe ~T>mZo hovw A J«oOr, {hýxr d joìr ^mfmam qàq> d BboŠQ >m{zh$ r{s> m ~ H$ Zo H$B à wi {dkmnz A{^ mz Am mo{ov {H$E Ho$ Xm amz Bg df ~mø {dkmnz r{s> m O go hdmb AÈo>, H$m{MJwS>m EŠgoàog na Q >oz ~«m qs>j, E Or amos>, ~ Jbyê$ oq >mo {nbg na {dkmnz Am{X Ho$ O[aE à wi àmma A{^ mz {H$E JE. oq >mo eham ~mø {dkmnz hmo{sª>j bjme JE, aoëdo ñq>oez/~g ñq>oez ½bmo gmbz/gmbz ~mos> {dkmnz Ho$ O[aE àmma {H$ m J m. 20. amo^mfm H$m m Ýd Z amîq >r H$aU go ~ H$ ^mav gah$ma H$s amo^mfm Zr{V H$mo ghr ^mdzm go H$m m Ýd Z H$a ahm h. ñq>m $ gxñ m Ho$ à mg go ~ H$ Zo Wm H$mo {hýxr nìmmma "H$' joì 100% bú Ho$ à{v 94.05%, "I' joì 90% bú Ho$ à{v 93.56% VWm "J' joì 55% bú Ho$ à{v 71.20% hm{gb {H$ m h. ~ H$ H$mo ^mav gah$ma Ho$ amo^mfm H$s{V nwañh$ma Ho$ A VJ V amo^mfm {hýxr Ho$ gd loð> {ZînmXZ hovw "J' joì Ho$ VhV nwañh $ V {H$ m J m h. {X H$mo amîq >n{v ^dz, ZB {Xëbr ^mav Ho$ mzzr amîq ²>n{V Ûmam h mao à~ Y {ZXoeH$ Ed grb Amo H$mo erës> d à munì àxmz {H$ m J m. h mao ~ H$ Ho$ àymz H$m m b Ho$ g moozmyrz Mbm r OmZodmbr ZJa amo^mfm H$m m Ýd Z g{ {V (~ H$), ~ Jbyê$ H$mo amo^mfm H$m m Ýd Z hovw J h Ìmb, amo^mfm {d^mj Ûmam X{jU Am a X{jU-n{íM joì Ho$ ZamH$mgm H$s lour àw nwañh$ma go ZdmOm J m. Bgr àh$ma ~ H$ Ho$ joìr H$m m b, ~ Jbyê$ (X{jU) H$mo joìr H$m m b m H$s lour {ÛVr nwañh$ma àmßv hþam h. nwañh$ma d erës> {dvau {demimnå>z Am mo{ov X{jU Am a X{jU-n{íM joì Ho$ joìr amo^mfm gå obz J h Ìmb, amo^mfm {d^mj Ho$ g{md (amo^mfm) Ûmam àxmz {H$ m J m. ~ H$ Ho$ {d{^ýz joìr H$m m b Am a emime, amo^mfm Ho$ gd loð> {ZînmmXZ hovw {d{^ýz ZamH$mg Ho$ Ûmam 16 nwagh$am H$mo àmßv, {H$E h, {Og ~ Jbyê$ (X{jU), hmgz, bw{y mzm, Jbya, oar>, nwuo joìr H$m m b m Zo àw nwañh$ma hm{gb {H$ m h. g gxr amo^mfm g{ {V H$s AmboI Ed gmú Cn-g{ {V Zo h mar ZmoES>m emim VWm joìr H$m m b -h Xam~mX Ho$ gmw {dmma-{d e H$m H«$ Am mo{ov {H$ m. ~ H$ Zo qhxr Am a AÝ joìr ^mfmam EgE Eg ^oozm ewê$ H$a {X m. ~ H$ Zo O nwa ApIb ^mavr A Va ~ H$ qhxr go{ Zma H$m ^r Am mooz {H$ m, {Og amo^mfm {d^mj, J h Ìmb, ^mav gah$ma VWm {d{^ýz ~ H$m /{dîmr g ñwmam Ho$ d[að> A{YH$m[a m Zo ^mj {b m. df Ho$ Xm amz, ~ H$ Zo qhxr {Xdg 2017 Ho$ Xm amz ApIb ^mavr A Va ~ H$ qhxr go{ Zma àmßv loð> AmboIm H$mo "{S>{OQ>b ~ qh$j' nwñvh$ Ho$ ê$n àh$m{ev {H$E. "dr-ooz yw' Ho$ ~ Za Ho$ AYrZ g^r 32 joìr H$m m b m VWm àymz H$m m b Zo qhxr à{v mo{jvme Am mo{ov H$s O go {Z~ Y boiz, ^mfu, {MÌboIZ, H$hmZr ~VmZo, amzmë H$ boiz Am{X. joìr H$m m b /emimam Zo {S>{OQ>b ~ qh$j VWm AQ>b n ez moozm H$mo àmoëgm{hv H$aZo Ho$ {be A{^ mz Am mo{ov {H$E. df Ho$ Xm amz, H$m nmbh$/a{yh$mar/{b{nh$s ñq>m $ gxñ m Ho$ {be 129 {hýxr H$m embmam H$m Am mooz {H$ m J m, {Og

57 m V E U m V m Y E ñq>m $ gxñ m H$mo à{e{jv {H$ m J m. BZ H$m embam y{zh$mos> H$m Cn moj Ho$ hëd na Omoa {X m J m. g^r 32 joìr H$m m b m go AnZo g ~ {YV ZJa amo^mfm H$m m Ýd Z g{ {V Ho$ VËdmdYmZ qhxr go{ Zma / {d{^ýz à{v mo{jvme Am mo{ov H$s. àymz H$m m b Zo ZJa amo^mfm H$m m Ýd Z g{ {V (~ H$), ~ Jbyê$ Ho$ VËdmdYmZ {XZm H$ H$mo "dñvw Ed godm H$a - EH$ Eo{Vhm{gH$ n[adv Z VWm ~ H$m Ho$ {d{b Z H$m {dîmr joì à^md "{df na {hýxr go{ Zma Am mo{ov {H$ m. go{ Zma ~ Jbyê$ pñwv {d{^z² ~ H$m Ho$ amo^mfm A{YH$mar / gm mý A{YH$mar CnpñWV Wo. df Ho$ {be à^mdr amo^mfm H$m m Ýd Z hovw Am V[aH$ amo^mfm erës>a moozm Ho$ A VJ V àymz H$m m b {d^mj dj Ho$ VhV H$m{ H$ {d^mj H$mo àw nwañh$ma, moozm d {dh$mg {d^mj H$mo {ÛVr nwañh$ma Am a F$U {d^mj (g rjm Ed dgybr) H$mo V Vr nwañh$ma go gå m{zv {H$ m J m. gdm}îm joì dj Ho$ A VJ V {Xëbr joì H$mo àw nwañh$ma, ZmJnwa joì H$mo {ÛVr nwañh$ma VWm M S>rJT> joì H$mo V Vr nwañh$ma go ZdmOm J m. 21. H$m nm}aoq> gm m{oh$ Xm{ Ëd (i) {do m ~ H$ - EH$ {Oå oxma H$mnm}aoQ> ZmJ[aH$ ~ H$ H$m nm}aoq> gm m{oh$ Xm{ Ëd Zr{V ^r h {OgH$m CÔoí g mo Ho$ H$ Omoa djm] H$m Ý m g JV {dh$mg, ~w{z mxr T>m Mo H$m {Z m U, amoojma Ho$ Adga n Xm H$aZm, n m dau g aju, {Q>H$mD$ gm m{oh$-am{w H$ {dh$mg h. S>b Zo df Ho$ {be ñwm r gm m{oh$ à^md w³v joìm na {deof Ü mz H ${ÐV gregama amos> n AZw mo{xv {H$ m h. h mao àmw{ H$ bú ~m{bh$m {ejm, J«m ru ñdmñï, ñhy$bm ñdàn>vm gw{dym, gwa{jv no Ob gw{dym VWm d Õ, ~r ma, {Xì m J, n[aë ³V, AZmW d Aghm m Ho$ {be ñhy$bm, AñnVmb, d Õml, AZmWmb, {deof ñhy$bm, Am{X H$mo ~w{z mxr ghm Vm VWm Amdí H$VmAm H$s ny{v H$aZm h. ~ H$ Zo AnZr gregama moozme ~Zm r h Omo Jar~m Am a Oê$aV Xm Ho$ OrdZ ñva na XrK H$m{bH$ n[adv ZH$mar à^md S>mb ahr h. h mar gregama J{V{d{Y m Ho$ à wi b{jv joì h : (ii) ~m{bh$m H$mo JmoX bozm ~ H$ H$s EH$ hëdnyu moozm h - g mo Ho$ d {MV dj H$s ~m{bh$mam H$s {ejm H$mo ~T>mdm XoZm. ~ H$ Ûmam JmoX br J r ~m{bh$m H$mo CgH$s ñzmvh$moîma ñva Ho$ AÜ Z nyu hmozo VH$ {dîmr ghm Vm Xr OmVr h. h ~m{bh$m H$s {ejm H$mo ~ T>mdm XoZo Ho$ CÔoí go ewê$ {H$ m J m h VWm h Cgo AnZr dmñv{dh$ j Vm H$m Ehgmg H$amZo Ho$ {be EH$ g mz Adga àxmz H$aVm h VWm Cgo {dîmr ~mymam Ho$ H$maU {ejm Ho$ A{YH$ma go d {MV Zht hmozm n S>Vm h. ~ H$ CgH$s {ejm go Ow S>o IMm] O go {H$Vm~, OyVo, y{z $m, Am{X Ho$ {be ~m{bh$m H$mo dm{f H$ IM àxmz H$aVm h. df Ho$ Xm amz, ~ H$ Zo 148 ~m{bh$m H$mo JmoX {be h, JmoX br JB ~m{bh$mam H$s Hw$b g» m 1311 hmo JB h. (iii) J«m ru ñdmñw H $Ð gwxÿa, {nn> S>o joì Jar~ J«m rum Ho$ {be yb ñdmñw godm nhþ MmZo Ho$ {be ~ H$ Zo {do m J«m rz ñdmñw H $Ð (AmaEMgr) H$s ñwmnzm H$s h. BZ AmaEMgr na S>mŠQ>a H$s {Z w{³v Ûmam {ZdmaH$ ñdmñï ajm àxmz H$aVm h VWm arom H$mo wâv Xdm H$s Amny{V ^r H$am r J r h. ~ H$ Zo df Ho$ Xm amz 13 J«m ru ñdmñw H $Ð Imobo h, Omo dv mz Ho$ 45 H$mo { bmh$a {do m J«m ru ñdmñw H $Ðm H$s g» m Wm {XZm H$ H$mo 58 hmo JB h. (iv) em Mmb ãbm H$ H$m {Z m U VWm CZH$m AZwajU ~ H$ Zo {nn>s>o joìm Ho$ gah$mar ñhy$bm AZwHy$b {ejm mhm b VWm {deofh$a ~m{bh$mam ~rm OëXr ñhy$b N>moS>Zo H$s Xa H$ H$aZm gw{z{ímv H$aZo Ho$ {be b S>{H$ m Am a b S>H$m Ho$ {be AbJ em Mmb ãbm H$ ~ZmE h. ~ H$ Zo A~ VH$ 66 ñhy$bm /g JR>Zm H$mo em Mmb ãbm H$ Ho$ {Z m U H$s {Xem {X m h. ~ H$ CZHo$ AZwajU VWm g $mb gw{z{ímv H$aZo Ho$ {be m{gh$ Vm a na ^r ^wjvmz H$aVm h. (v) dmhzm H$m XmZ ~ H$ Zo dmhzm - d Z, E ~wb g VWm ~g, Am{X J a bm^ dmbo Y m W g JR>Z, Ý m²g, AZmWmb VWm ñhy$bm, Am{X, Omo {H$ AZmW, d Õ, {Xì m² J, ~r ma, ~oghmam, n[aë ³V Am a Aghm ì {³V m H$s godm H$aVo h, H$m XmZ {H$ m h. à{gõ VrW mìm Ho$ VrW m{ì m H$mo n[adhz gw{dym Amam àxmz H$aZo Ho$ {be ~g H$m XmZ {H$ m J m h. ~ H$ Ûmam {M{H$Ëgm AmnmV pñw{v VWm ~oghmam H$mo ~MmZo hovw AZmWmb Am a Y m W Ý mg H$mo E ~wb g VWm dmhz XmZ {H$ JE h. 51

58 dm{f H$ [anmoq> (vi) {M{H$Ëgm yb^yv gw{dym ~ZmZo Ho$ g ~ Y XmZ ~ H$ Zo ñwmb yb^yv gw{dym O go Y m W AñnVmb Ho$ AëOmB a Am a {S> {e m amo{j m Ho$ {be dms> /amojr H$jm H$m {Z m U Ho$ {be XmZ {H$ m h. à{gõ a³v ~ H$ H$mo ~r ma Am a Oê$aV X bmojm Ho$ H$ë mumw {M{H$Ëgm CnH$aUm VWm dmhz H$s IarX Ho$ à{v ^r XmZ {H$ m h. BgHo$ Abmdm, AñngVmbm H$mo H $ga amo{j m H$s ghm Vm Ho$ {be {~ñvam H$s IarX Am{X Ho$ {be XmZ {H$E JE h. (vii) gwa{jv no Ob H$s gw{dym ~ H$ Ûmam ñdmñï g ñwmz gh AñnVmb Ho$ amo{j m VWm gm mý OZVm Ho$ H$ë mumw Ob emoyz BH$mB m H$m XmZ {H$ m J m. Xoe^a Ho$ ñhy$bm, H$m boom, AZmWmb m, AñnVmbm, Y m W g JR>Zm, gmd O{ZH$ ñwmzm Am{X Ho$ ~ÀMm, N>mÌm, ~yt>o, Jar~ Am a Oê$aV X bmojm Ho$ bm^mw gwa{jv no Ob H$s gw{dym àxmz H$aZo Ho$ {be dmq>a ß y,[a $m g, dmq>a { $ëq>rg, Ob ^ S>maU Q> H$, AmaAmo dmq>a y{zq>, Am{X Ho$ XmZ {H$E JE. (viii) ñhy$bm /H$m boom H$mo yb^yv gw{dym {Xì m J, Am{X Ho$ ñhy$bm / {deof ñhy$bm H$mo {dúmb m yb^yv X O go $ZuMa, H $ß yq>a, EbgrS>r àmooošq>a, dmq>a {μ $ëq>a, Am{X Ho$ XmZ Ho$ Abmdm ~ H$ Zo d {MV bmojm Ho$ H$ë mumw ñhy$b H$s ñwmnzm Ho$ {be Y m W Q >ñq> H$mo XmZ Oya {H$ m h. (ix) d Õml, AZmWmb, {deof ñhy$bm, Y m W g ñwmam, Am{X H$mo Amdí H$ gm J«r H$s Amny{V ~ H$ Zo Xoe^a Ho$ d Õml, AZmWmb m, {Xì m J Ho$ {be {deof {dúmb, Y m W g ñwmam, Am{X H$mo Amdí H$ Am a yb^yv gw{dymam O go $ZuMa, H $ß yq>a, ~«ob gw{dym w³v H $ß y²q>a, { «$O, gm a dmq>a hrq>a, BbopŠQ >H$b CnH$aU, Am{X H$m XmZ {H$ m h. ~ H$ Zo Jar~ VWm Oê$aV X H$s XX Ho$ {be Y m W g ñwmam H$mo ImÚ gm J«r O go Mmdb, Am{X ; Ý mg Ho$ {be ImÚmÝZ IMm] Ho$ à{v, AZmWmb Ho$ gxñ m Ho$ y{z $m Ho$ {be nmoemh$ gm J«r, Am{X Ho$ {be XmZ {H$ m h. d {MV {hbmam H$mo AmOr{dH$m g {OV H$aZo VWm CÝho {e{jv ~ZmZo H$s Amoa ñdmm{bv AJa~Îmr ~ZmZo Ho$ erz ^r XmZ {H$ m J m. (x) n m dau H$s gwajm Ho$ {be h[av nhb H$s ewê$amv n m dau Ho$ g aju Ho$ hëd H$mo nhmmzvo hþe gregama amos> n h[av nhb EH$ hëdnyu joì h. ~ H$ Ûmam h[av nhb Ho$ VhV, d jmamonu J{V{d{Y m, no S> JmS> H$s ñwmnzm Am a gmd O{ZH$ ~JrMm Ho$ AZwajU hovw {dîmr ghm Vm àxmz H$aZo VWm AÝ n m daur nhb H$s ewéamv H$s J r. BgHo$ Abmdm, n m dau g aju H$s {Xem H$Mao g J«hU Ho$ {be hm na {Q>na dmhz VWm g S>H$ aiaimd Ho$ {be ñdàn> ^mav { ez Ho$ à{v A exmz O go à wi XmZ ~ H$ Ûmam {H$E JE. 22. g gxr g{ {V H$s ~ R>H $ {dîmr df Ho$ Xm amz g gxr g{ {V Ho$ Xm ao go g ~ {YV {ddau : 31 B, 2017 H$mo Jmodm "A.Om, A.O.Om, Amo~rgr, Aëng» H$ Am a AbJ-AbJ {dh$bm J ì {³V m Ho$ {be àmw{ H$Vm joì F$U' na gm m{oh$ Ý m Am a gep³vh$au na ñwm r g{ {V H$m AÜ Z Xm am VH$ g^r Ho$ {be Amdmg à~ Y - àymz Ìr Amdmg moozm (nre EdmB - ehar) Amdmg Ho$ {be ehar {dh$mg na g gxr ñwm r g{ {V H$m AÜ Z Xm am Am a XrZX mb A Ë mox moozm ({Xdg) - amîq >r ehar AmOr{dH$m { ez (EZ yebe ), ~ Jbwé H$mo 06 OyZ, {gv ~a, 2017 H$mo ZB {Xëbr Am mo{ov AZwgy{MV Om{V / AZwgy{MV OZOm{V Ho$ H$ë mu na g gxr g{ {V 04 go 09 Zd ~a, 2017 VH$ ~ Jbwê$, {demimnîmz Am a w ~B H$mo ^mavr [aod ~ H$ mñq>a {Xem - àmw{ H$Vm joì F$U na AYrZñW {dymzg^m na g{ {V H$s AÜ Z mìm 23. nwañh$ma Am a Cnm{Y {dîmr df Ho$ Xm amz {dîmr VWm AÝ nhb ~ H$ Ho$ CËH $îq> {ZînmXZ H$mo nhmmzvo hþe ~ H$ H$mo H$B nwañh$ma Am a Cnm{Y àxmz {H$E JE. ^mav Ho$ amîq >n{v go àmßv amo^mfm H$s{V nwañh$m a AQ>b n ez moozm h mao à~ Y {ZXoeH$ d w» H$m H$mar A{YH$mar lr Ama E e H$a Zmam UZ Ho$ VhV oh$g Am $ EŠgmb g Ho$ {be n ez {Z{Y {d{z m H$ Am a {dh$mg àm{yh$au (nre $AmaS>rE) nwañh$ma "Q >m g $m }{Q>d brs>a' Ho$ {be n ez {Z{Y {d{z m H$ Am a {dh$mg àm{yh$au (nre $AmaS>rE) nwañh$ma - h mao 52

59 m s V E U E r V a r g H$m H$mar {ZXoeH$ lr ZmJoída amd dmb H$mo àxîm mzzr {dîm amá Ìr lr àvmn ewšbm Ûmam àxîm H ${f ~ qh$j Ho$ {be EgmoM gmo{e b ~ qh$j EŠgb g EdmS> 2017 Ho$ àw nwañh$ma {doovm mzzr {dîmw amá Ìr lr àvmn ewšbm Ûmam àxîm àmw{ H$Vm joì CYma Ho$ {be EgmoM gmo{e b ~ qh$j EŠgb g EdmS> 2017 Ho$ àw nwañh$ma {doovm ^mavr ~ H$ g K Zo Ü lour Ho$ ~ H$m h mao ~ H$ H$mo "Q>oŠZm bor ~ H$ Am $ X B a EdmS> 2017' àxmz {H$ m AmB S>r~rAmaQ>r Zo {dîmr df 2017 Ho$ {be Ü lour Ho$ ~ H$m h mao ~ H$ {dîmr g mdoez VH$ZrH$s Ho$ à moj Ho$ {be VWm "{S>{OQ>b ~ qh$j E J { S> gmbo ~ Šg' go nwañh $V {H$ m lr Vr {Z bm lrya, hm à~ YH$, {do m ~ H$ Ûmam àmßv "dw Z EŠgrb g-2017' Ho$ {be AmB nrb (gmd O{ZH$ CÚ g ñwm Z) EdmS> ~ H$ Zo X{jUr joì amo^mfm erës> Ho$ AYrZ Xÿgam nwañh$ma àmßv {H$ m h ~ H$ H$s dramb ~regb Q>rAmB Zo {XZm H$ H$mo {dkmz ^dz, ZB {Xëbr J«m ru {dh$mg Ìmb, ^mav gah$ma Ûmam {dv[av CÀMV J«oqS>J (EE) àmßv {H$ m nre EdmB moozm Ho$ AYrZ AnZo CËH $îq> mojxmz Ho$ {be EM ys>rgramo Ûmam nwañh$ma loð> H$mnm}aoQ> gm m{oh$ Xm{ Ëd nõ{v Ho$ {be dës> EMAmaS>r H$m J«og Ûmam B Q>r EZAmo~ë y gregama brs>a{en EdmS> ñh$m M $mbz {e b Q>oŠZmobm Or EdmS> 2017 gmd O{ZH$ joì loð> ~ H$ ~ H$a Am $ X B a, S>m.{H$emoa gm gr, ^yvnyd à~ Y {ZXoeH$ Ed grb Amo, {do m ~ H$ ~ H$a Am $ X B a (EZnrE à~ YZ Ho$ {be) - lr ~r.eg.am m amd, ~ H$ Ho$ ^yvnyd H$m H$mar {ZXoeH$ EZnrE à~ YZ loð> ~ H$ àymz Ìr OZ YZ moozm (nre OoS>rdmB ) Ho$ AYrZ {ZînmXZ Ho$ {be JmoëS> EdmS> IwXam F$U loð> ~ H$ B ŠbyC{gd d boq> - drnop³dh$ Ho$ {be nwañh$ma {S>{OQ>b g mdoez Ho$ {be nwañh$ma AmB Q>r gwajm Ho$ {be nwañh$ma EQ>rE VWm emimam H$s B -{ZJamZr Ho$ {be nwañh$ma 100 {S>{OQ>b J«m - {dîmr g mdoez Ho$ {be nwañh$ma 24. S>b H$s ~ R>H $ d S>b H$s AÝ Cn-g{ {V m H$s ~ R>H $ df Ho$ Xm amz, {ZXoeH$ S>b H$s 17 ~ R>H $ hþbª. g{ {V H$s ~ R>H$m Ho$ {ddau {ZåZmZwgma h : S>b H$s g{ {V H$m Zm ~ R>H$m H$s g. à~ Y g{ {V 14 boim g{ {V 7 {hvymah$ g ~ Y g{ {V 4 eo a A VaU g{ {V 4 OmopI à~ YZ g{ {V 6 A{YH$ yë H$s YmoImY{S> m H$s g rjm g{ {V 2 àymz H$m m b ñva H$s F$U AZw moxz g{ {V 22 {ZXoeH$m H$s nxmoýz{v g{ {V 1 AZwemg{ZH$ m bm Ed {dídgzr Vm na g rjm 4 g{ {V J«mhH$ godm g{ {V 4 nm[al{ H$g{ {V 1 Zm m H$Z g{ {V 2 gymzm àm Úmo{JH$s auzr{v g{ {V 5 dgybr H$s {ZJamZr hovw g{ {V 7 H$mnm}aoQ> gm m{oh$ Xm{ Ëd g{ {V 4 BamXVZ MyH$H$Vm Am H$s g rjm g{ {V 3 mzd g gmyz g{ {V 4 {S>{OQ>b bozxoz H$s g{ {V 1 53

60 dm{f H$ [anmoq> {ZXoeH$ S>b n[adv Z df Ho$ Xm amz {ZXoímH$ S>b {ZåZm {H$V {ZXoeH$m Zo H$m J«hU {H$ m h : 1. lr Ama E e H$a Zmam UZ {XZm H$ go à^mdr à~ Y {ZXoeH$ Ed grb Amo Ho$ ê$n {Z w³v hþe. 2. lr wabr am ñdm r {XZm H$ go à^mdr H$m H$mar {ZXoeH$ Ho$ ê$n {Z w³v hþe. 3. lr lr{zdmg amd {XZm H$ go à^mdr gah$mar Zm{ Vr {ZXoeH$ Ho$ ê$n {Z w³v hþe. 4. lr amoz S>moJ«m {XZm H$ go à^mdr eo aymah$ {ZXoeH$ Ho$ ê$n {Z w³v hþe. 5. lr amkd Xa JwßVm {XZm H$ go à^mdr eo aymah$ {ZXoeH$ Ho$ ê$n {Z w³v hþe. 6. lr {ddoh$ gmozr {XZm H$ go à^mdr gre g dj Ho$ AYrZ J a-h$m H$mar {ZXoeH$ Ho$ ê$n {Z w³vz hþe. df Ho$ Xm amz, {ZåZm {H$V {ZXoímH$, ~ H$ Ho$ S>b {ZXoeH$ Zht aho : 1. lr {H$emoa gm gr Zo {XZm H$ H$mo à~ Y {ZXoeH$ Ed grb Amo Ho$ ê$n H$m m b N>moS>m. 2. lr Vr ^mavr amd Zo {XZm H$ H$mo eo aymah$ {ZXoeH$ Ho$ ê$n H$m m b N>moS>m. 3. lr nr d ÚZmWZ Zo {XZm H$ H$mo eo aymah$ {ZXoeH$ Ho$ ê$n H$m m b N>moS>m. 4. lr g O Hw$ ma Zo {XZm H$ H$mo gah$mar Zm{ Vr {ZXoeH$ Ho$ ê$n H$m m b N>moS>m. Wm {XZm H$ H$mo ~ H$ Ho$ {ZXoeH$ S>b {ZåZm {H$V {ZXoeH$ h : H«$ {ZXoeH$ H$m Zm nxzm g. 1. lr Or Zmam UZ J a-h$m H$mar AÜ j Ed J a- A{YH$mar {ZXoeH$ 2. lr Ama E e H$a Zmam UZ à~ Y {ZXoeH$ Ed grb Amo 3. lr ZmJoída amd dmb H$m H$mar {ZXoeH$ 4. lr wabr am ñdm r H$m H$mar {ZXoeH$ 5. lr EZ lr{zdmg amd gah$mar Zm{ Vr 6. lr Or nr ~moam ^m.[a.~. Zm{ Vr 7. lr {ddoh$ gmozr J a-a{yh$mar {ZXoeH$ (gre g dj ) 8. lr E. ^Jd V amd J a-a{yh$mar {ZXoeH$ 9. lr dr dr Ama emór J a-a{yh$mar {ZXoeH$ 10. lr Eg akwzmw J a-a{yh$mar {ZXoeH$ 11. lr amoz S>moJ«m Zm{ Vr-eo aymah$ 12. lr amkd Xa JwßVm Zm{ Vr-eo aymah$ Am^ma {ZXoeH$ S>b g JR>ZmË H$ {dh$mg Am a CËH $îq>vm Ho$ à{v J«mhH$m go àmßv g aju, eo aymah$m H$m gh moj, gah$mar àm{yh$m[a m Am a ^mavr [aod ~ H$ go àmßv A yë mj Xe Z Am a gh moj, g rjmyrz df Ho$ Xm amz AnZo H$m H$mb H$mo g mßv {H$E {ZXoeH$m H$mo Am a g^r ñq>m $ gxñ m H$mo AnZo nyao gh moj Ho$ {be AnZr H $VkVm àh$q> H$aVm h. àymz H$m m b, ~ Jbyê$ {XZm H$ : {ZXoeH$ S>b Ho$ {be Am a CZH$s Amoa go, Ama E e H$a Zmam UZ à~ Y {ZXoeH$ Ed grb Amo 5. lr ~r.eg.am m amd Zo {XZm H$ H$mo H$m H$mar {ZXoeH$ Ho$ ê$n H$m m b N>moS>m. 54

61 Z ì mnma {Oå oxmar [anmoq> I S> H$ : H $nzr Ho$ ~mao gm mý gymzm 1 H $nzr H$r H $nzr nhmmz g» m (gramb EZ) bmjy Zht 2 H $nzr H$m Zm {do m ~ H$ 3 n OrH $V nvm 41/2, E.Or. amos>, àymz H$m m b ~ Jbyê$ do~gmbq> 5 B - ob AmB S>r 6 [anmoq> {H$ m J m {dîmr df joì, {Og H $nzr g b¾ h (Hy$Q>dma Am Úmo{JH$ J{V{d{Y) ~ qh$j d {dîm 8 VrZ w» CËnmXm /godmam H$s gymr Omo H $nzr V ma H$aVr h /CnbãY H$amVr h. (VwbZ nì Ho$ AZwgma) 1. O mam{e CËnmX 2. F$U CËnmX 3. ~oqh$j godme 9 ñwmz H$s Hw$b g» m Ohm H $nzr Ûmam ì mnma J{V{d{Y m± H$s OmVr h eyý (H$) A Vam îq >r ñwmz H$s g» m (à wi 5 Ho$ {ddau CnbãY H$amE ) (I) amîq >r ñwmz H$s g» m H $nzr Ûmam godm àmßv ~moma - ñwmzr /amá /amîq >r /A Vam îq >r amîq >r I S> I : H $nzr H$m {dîmr {ddau 1 àxîm ny Or (`) ` H$amo S> 2 Hw$b H$mamo~ma (`) `$2,75,965H$amo S> (Hw$b H$mamo~ma) 3 H$a Ho$ ~mx Hw$b bm^ (`) `727 H$amo S> 4 H$a Ho$ ~mx bm^ H$m à{vev Ho$ ê$n H $nzr gm m{oh$ Xm{ Ëd ` 3.98 bmi 0.55% (gregama) na Hw$b IM 5 J{V{d{Y m H$s gymr Omo Cnamo³V 4 IM {H$ m J m h :- H$) ~m{bh$m H$mo JmoX bozm - AOm/AOOm/A{nd/Am{W H$ ê$n go H$ Omoa n[admam H$s ~m{bh$mam H$mo CZHo$ ñzmvh$moîma ñva Ho$ AÜ Z VH$ H$s {ejm Ho$ {be {dîmr ghm Vm Xr OmVr h. I) J«m ru Jar~m H$mo wâv àmw{ H$ ñdmñw ghm Vm/ Xdm H$s Amny{V H$aZo Ho$ {be nyao ^mav {nn>s>o/ J«m ru joì J«m ru ñdmñw H $Ð H$s ñwmnzm H$s JB h. J) em Mmb H$m {Z m U: ~ H$ Zo gah$mar ñhy$bm em Mmb gw{dym àxmz H$s h. ~ H$ CgH$m m{gh$ AZwajU IM H$m ^r ^wjvmz H$aVm h. K) ~ H$ Zo Mm n{h m dmhz - d Z, Eå~wb g Ed ~g Am{X J a bm^ dmbo Y m W g JR>Z, g mogodr g ñwm, AZmWmb Am a nmr>embm {deof Amdí H$Vm dmbo ì {³V Am{X Omo {H$ AZmW, d Õ, {dh$bm J, ~r ma, ~oghmam, n[aë ³V, H$ Omoa Am a Aghm ì {³V m H$s godm g b¾ h, H$m XmZ {H$ m h. ñhy$bm, {Xì m Jmo Ho$ {be {deof ñhy$bm, AZmWmb m, d Õml m, A Ym Ho$ {be {dúmb m, Y m W Q >ñq>, AñnVmbm VWm d Õ, AZmW, ~r ma, ~oghmam, Aghm Am{X H$s godm bjo hþe J a bm^ g JR>Zm Ho$ {be dmhzm XmZ VWm ~w{z mxr gw{dyme àxmz H$aZm VWm CZHo$ H$ë mu Ho$ {be ~w{z mxr Amdí H$ dñvwe, $ZuMa, H $ß yq>a, {M{H$Ëgm CnH$aU, Ob ew{õh$au Ì, dxu Am{X H$m XmZ. S>.) {S> {e m amo{j m Ho$ {be Y m W AñVnVmb dms> H$m {Z m U,ñº$ ~ H$ H$m {M{H$Ëgm CnH$aZm H$m XmZ,AñVnVbm {~gvam H$m XmZ AmXr. M) ~moa dob ImoXZo, Ob ewõrh$au Ì ñwm{nv H$aZo, nmzr Ho$ ^ S>maU,nmZr Ho$ ervb g Ìm, {μ $ëq>a Am{X Ho$ {be {dîmr ghm Vm H$aVo hþe Jmdm, J Xr ~pñv m,eybm, gmd O{ZH$ OJhm Am{X, gwa{jv nrzo Ho$ nmzr H$s gw{dym àxmz H$aZm. N>) h[av nhb Ho$ VhV, ~ H$ Zo gmd O{ZH$ nmh $ Ho$ g $mb Ho$ aiaimd H$s {Xem d jmamonu {H$ m h. H$Mao Ho$ g J«h ~mjdmzr CnH$aU H$Mam [ašem Am{X XmZ {H$ m h. 55

62 dm{f H$ [anmoq> I S> J : AÝ {ddau 1. Š m H $nzr H$m H$moB ghm H$ H $nzr/h $n{z m± h? : Zht 2. Š m yb H $nzr Ho$ ì mnma {Oå oxmar nhb ghm H$ H $nzr/ H $n{z m± em{ b hmovr h? {X hm Vmo Eogr ghm H$ H $nzr H$s g» m gy{mv H$a : bmjy Zht 3. Š m H$moB AÝ H $nzr/h $n{z m (CXmhaU Amny{V H$Vm, {dvah$ Am{X) Omo H $nzr Ho$ ì mnma {Oå oxmar nhb H $nzr gh moj Ho$ gmw gh^m{jvm H$aVr h? {X hm Vmo Eogo H $nzr/h $n{z m H$m à{vev gy{mv H$a. 30% go H$, 30-60%, 60% go Á mxm : Zht I S> K : ì mnma {Oå oxmar gymzm 1. ì mnma {Oå oxmar Ho$ {be {Oå oxma {ZXoeH$/{ZXoeH$m Ho$ {ddau (H$) ì mnma {Oå oxma Zr{V/{Z{V m Ho$ {be {Oå oxma {ZXoeH$/{ZXoeH$m Ho$ {ddau 1. S>rAmB EZ g» m bmjy Zht 2. Zm lr ZmJoída amd dmb. 3. nxzm H$m H$mar {ZXoeH$ (I) ì mnma {Oå oxma à wi Ho$ {ddau g. {ddau ã m ao 1 S>rAmB EZ g» m ( {X bmjy hmo Vmo) bmjy Zht 2 Zm lr Vr. {Z bm lrya 3 nxzm hm à~ YH$ 4 Xÿa^mf g B - ob AmB S>r 2. {gõm Vdma (EZdrOr Ho$ AZwgma) ì mnma {Oå oxma Zr{V/Zr{V m± (H$) AZwnmbZ Ho$ ã m ao (hm /Zht O~md X ) g. àý nr Ho$ {be H$moB Zr{V/Zr{V m h hm * hm hm hm hm hm hm hm hm 2 Š m g ~Õ {hvymah$m Ho$ nam e go Zr{V m± V ma H$s JB h? hm hm hm hm hm hm hm hm hm 3 Š m Zr{V amîq >r /A Vam îq >r mzh$ Ho$ AZwê$n h? {X hm Vmo CëboI H$a hm hm hm hm hm hm hm hm hm (50 eãx) 4 Š m Zr{V H$mo S>b Ûmam AZw moxz àmßv h? {X hm Vmo à{z/ m{bh$/grb Amo/ hm hm hm hm hm hm hm hm hm C{MV {ZXoeH$ S>b Ûmam hñvmj[av h? 5 Š m Zr{V Ho$ H$m m Ýd Z H$s XoIaoI Ho$ {be H $nzr Ho$ nmg S>b/{ZXoeH$/ hm hm hm hm hm hm hm hm hm A{YH$mar H$s {d{eîq> g{ {V h? 6 Š m Zr{V H$mo Am ZbmBZ XoIZo Ho$ {be qbh$ h? hm hm hm hm hm hm hm hm hm 7 Š m Zr{V g ~ Yr gymzm g^r g ~Õ Am V[aH$ Am a ~mø {hvymah$m H$mo gy{mv hm hm hm hm hm hm hm hm hm {H$ m J m h? nr 2 nr 3 nr 4 nr 5 nr 6 nr 7 nr 8 nr 9 56

63 m g. àý nr 1 8 Š m H $nzr Ho$ nmg Zr{V/Zr{V m Ho$ H$m m Ýd Z Ho$ {be Am V[aH$ g amzm h? hm hm hm hm hm hm hm hm hm 9 Š m H $nzr Ho$ nmg Zr{V/Zr{V m go g ~ {YV {hvymah$m Ho$ {eh$m Vm H$mo gwzzo hm hm hm hm hm hm hm hm hm Ho$ {be Zr{V/Zr{V m go g ~ {YV {eh$m V {ZdmaU V Ì h? 10 Š m H $nzr Zo Bg Zr{V Ho$ H$m H$s ñdv Ì boimnarjm/ yë m H$Z Am V[aH$ m Zht Zht Zht Zht Zht Zht Zht Zht Zht ~mø EO gr Ho$ Ûmam H$admB h? nr 2 nr 3 nr 4 nr 5 nr 6 nr 7 nr 8 nr 9 *~ H$ H$s {ZJ{ V àemgz Zr{V, AZwnmbZ Zr{V, gvh $Vm Zr{V ~ H$ Ho$ ì mnma Zr{V Ho$ AÀN>o AmMaU H$mo gw{z{ímv H$aVr h. BgHo$ A{V[a³V, ~rgreg~ramb Ho$ "J«mhH$m H$mo ~ H$ H$s à{v~õvm H$m Hy$Q>-2018' "gyú Am a bkw B H$mB m H$mo à{v~õvm H$m Hy$Q>- 2015' Ûmam Kmo{fV mzh$ Hy$Q> Ho$ AZwgma ~ H$ AnZo CËnmXm VWm godmam H$m àñvmd H$aVm h. (I) {X {H$gr ^r {gõm V Ho$ à{v H«$ m H$ g» m 1 Ho$ àý H$m CÎma Zht hmo Vmo H $n m Odm~ Xo Š m : ({dh$ën 2 VH$ {MpÝhV H$a ) g. àý nr 1 nr 2 nr 3 nr 4 nr 5 nr 6 nr 7 nr 8 nr 9 1 H $nzr Zo {gõm Vm H$mo Zht g Pm h 2 H $nzr EH$ ñva na Zht h Ohm {Z{X îq> {gõm Vm na Zr{V H$mo V ma Am a H$m m Ýd Z H$aZo H$s pñw{v IwX H$mo nmvo h. 3 H $nzr Ho$ nmg Bg H$m Ho$ {be {dîmr m OZe{³V g gmyz CnbãY Zht h. 4 AJbo 6 hrzo Ho$ A Xa Bgo H$aZo H$s moozm h 5 AJbo 1 df Ho$ A Xa Bgo H$aZo H$s moozm h 6 H$moB AÝ H$maU (H $n m CëboI H$a ) bmjy Zht ì mnma {Oå oxmar go g ~ {YV {Z ÌU (H$) ~ma ~mavm gy{mv H$a {Oggo {ZXoeH$ S>b, S>b O gm {H$ ì mnma {Oå oxmar àë oh$ g ~Õ {d^mj Ho$ ~ qh$j Ho$ g{ {V m grb Amo H $nzr Ho$ ì mnma {Oå oxmar {ZînmXZ g J«{dñVma H$mo g oq>zm hmovm h. Zr{V m± AbJ AbJ V ma H$m yë m H$Z H$aVo h. 3 hrzo Ho$ A Xa, 3-6 hrzo, / ZdrH $V H$s OmVr h Am a S>b H$m AZw moxz àmßv {H$ m dm{f H$, 1 df go A{YH$ OmVm h. BgHo$ A{V[a³V, S>b ~ H$ Ho$ {ZînmXZ H$m yë m H$Z H$aVm h Am a S>b H$s ~ R>H$ H$s Xm amz Omo àë oh$ mh Am mo{ov H$s OmVr h, ~ H$ Zr{V m Ho$ AZwnmbZ, ^m[a~ H$/ {dîm Ìmb /^m~ g go àmßv {ZXoem Ho$ AZwnmbZ ~ H$ H$m H$mamo~ma H$aZo Ho$ {d{dy nhbwam na ^r MMm H$aVo h. (I) Š m H $nzr, ì mnma {Oå oxmar m pñwavm [anmoq> àh$m{ev hm, ì mnma {Oå oxmar [anmoq> na H$aVr h? Bg [anmoq> H$mo XoIZo Ho$ {be Š m qbh$ h? XoIm Om gh$vm h. h [anmoq> à{vdf àh$m{ev {H$ m OmVm h BgHo$ àh$m{ev hmozo H$s ~ma ~mavm Š m h? Am a h ~ H$ Ho$ dm{f H$ [anmoq> H$m EH$ ^mj h. 57

64 dm{f H$ [anmoq> I S> L> : {gõm Vdma {ZînmXZ {gõm V 1 ì mnma Z {VH$Vm, nmax{e Vm Am a Odm~Xohr Ho$ gmw {H$ m OmVm h. 1. Š m Z {VH$Vm, [aídvimoar Am a ^«îq>mmma go g ~ {YV Zr{V Ho$db H $nzr H$mo a{jv h? hm / Zht. Š m h g yh/g w³v CÚ /Amny{V H$Vm / R>oHo$Xma/EZOrAmo/AÝ Ho$ {be ^r h bmjy h? ~ H$ Ho$ nmg {ZJ{ V àemgz Am a AZwnmbZ na ~ohva Zr{V h. ~ H$ H$m gvh $Vm {d^mj H $Ðr gvh $Vm Am moj Ho$ g»v {Xem-{ZX}em Ho$ AYrZ H$m H$aVm h. 2. JV {dîmr df {H$VZo {hvymah$m H$s {eh$m V àmßv hþb Am a à~ YZ Ûmam {H$VZo à{vev VH$ g VmofOZH$ ê$n go {ZnQ>m m J m? {X Eogm h Vmo CgH$m {ddau bj^j 50 eãxm àñvwv H$a. ~ H$ Ho$ nmg J«mhH$m g{hv {hvymah$m go {eh$m Vm H$mo {ZnQ>mZo Ho$ {be ~ohva gw{dym CnbãY h. ~ H$ Ho$ nmg mzh$sh $V bmoh$ {eh$m V {ZdmaU àumbr (EgnrOrAmaEg) Ho$ O[aE {eh$m V XO H$aZo Ho$ {be Am ZbmBZ gw{dym CnbãY h. J«mhH$m H$mo ~ohva godm àxmz H$aVo hþe emim ñva na {eh$m Vm H$mo H$ H$aZo Ho$ {be ~ H$ g{h«$ Ñ{îQ>H$moU AnZmVm h Am a {eh$m Vm Ho$ Ëd[aV {ZnQ>mZ Ho$ {be AbJ go H$j ~Zm m J m h. h {eh$m Vm H$s g» m H$ H$aZo Am a {eh$m V H$mo {ZnQ>mZo ~ H$ H$s XX H$aVm h. df Ho$ ewê$amv b {~V {eh$m Vm H$s g» m : 39 df Ho$ Xm amz àmßv {eh$m Vm H$s g» m : 4660 df Ho$ Xm amz {ZnQ>mE JE {eh$m Vm H$s g» m : 4659 {ZnQ>mE JE {eh$m Vm H$m à{vev : 99.15% {gõm V 2 ì mnma dñvwe Am a godme CnbãY H$amVm h Omo gwa{jv h Am a CZHo$ OrdZ MH«$ pñwavm Ho$ {be mojxmz H$aVo h. 1. AnZo 3 CËnmXm m godmam H$s gymr X {OgH$s ê$naoim gm m{oh$ m n m dau g ñwm, OmopI Am a/ m Adgam H$mo em{ b {H$ m h. H$) F$U ñd n moozm : XmoZm {H$gmZm VWm mbh«$mo CÚ{ m H$mo H$da H$aVo hþe CÝh gmhÿh$mam Ho$ nh$s> go ~mha bmzo Ho$ {be `1 bmi VH$ d {Õ H$aVo hþe moozm g emoyz {H$ m J m h. moozm Ho$ A VJ V ~ H$ gmhÿh$mam go F$U {be {H$gmZm VWm mbh«$mo CÚ{ m H$mo g{h«$ ê$n go nhmm{zv H$a ahm h VWm CZHo$ A{YH$ bmjv H$s CYmam H$s MwH$m {V Ho$ {be CÝh {ZåZV ã mo Xa {dîm àxmz H$aVm h. nmì CYmaH$Vm Am H$mo nhmmzzo Ho$ {be, ~ H$ EgEMOr, Jm d Ho$ ~wowjm] VWm n MmV H$s ghm Vm bovm h. ~ H$ Zo moozm Ho$ A VJ V 3967 bm^m {dvm H$mo ` 28 H$amo S>> F$U {X m h. I>) g mo Ho$ {ZåZ dj {S>{OQ>b ~ qh$j H$mo ~ T>mdm XoZo Am a nma n[ah$ ~ qh$j àumbr go Ow S>o àxÿfu H$mo H$ H$aZo Ho$ {be, h mao ~ H$ Zo "{do m {S>{OQ>b J«m m ' n[a moozm Ho$ VhV nyao ^mav 105 J«m m H$mo AnZm m. Bg 101 J«m m go {dîmr df Ho$ Xm amz AnZm m J m h. g^r J«m rum H$mo OZ YZ ImVm go H$da {H$ m J m h. ImVmYmaH$m H$mo éne S>o{~Q> gh EQ>rE H$mS> Omar {H$E JE h. ~ H$ h mao {S>{OQ>b ~ qh$j CËnmXm O go mo~mbb ~ qh$j, ZoQ> ~ qh$j Am a EgE Eg AbQ> gw{dym Ho$ mím go H$mJO a{hv ~ qh$j H$mo àmoëgm{hv H$aVm h. ImVmYmaH$ nre Eg~rdmB Am a nre OoOo~rdmB Ho$ VhV AmVo h. ~ H$ H$s bmjv na Jm dm dmb - $mb gw{dym àxmz H$s JB. BZ Jm dm {S>{OQ>b ~ qh$j bozxoz gwyma hþam. J) h[av ~ qh$j : ~ H$ Zo H$B n m dau AZwHy$b Cnm m H$s ewê$amv H$s h O go H$moa ~ qh$j g mymz, B Q>aZoQ> ~ qh$j, Q>obr-~ qh$j, mo~mbb ~ qh$j, EQ>rE Am a H${Vn ~ H$ Am { $g n[ammbz. BgHo$ A{V[a³V, ~ H$ Zo CÀM VH$ZrH$s ~ qh$j gw{dym g{hv B -bm ~r H$s ñwmnzm H$s h O go EQ>rE, ZH$X O m {H$ moñh$, nmg ~wh$ wðu {H$ moñh$, B Q>aZoQ> ~ qh$j Am{X. ~ H$ gm a D$Ou d ndz M $s n[a moozmam H$mo {dîm nmo{fv H$aVo hþe ha{v D$Om H$mo ~ T>mdm Xo ahm h. 58

65 Z U a Ì Z 2. àë oh$ Eogo CËnmX Ho$ {be CËnmX H$s à{v B H$mB (d H$pënH$) g gmyz Ho$ à moj (D$Om, Ob, H$ÀMm mb Am{X) Ho$ g ~ Y {ZåZ{bpIV {ddau CnbãY H$amVm h : (H$) gmo{gªj/cënmxz/{dvau Ho$ Xm amz H$Q>m Vr H$s JB My {H$ JV df nyao df H$s JB Wr? bmjy Zht (I) J«mhH$ (D$Om, Ob) Ho$ Cn moj Ûmam H$Q>m Vr My {H$ JV df bú hm{gb {H$ m J m Wm? bmjy Zht. 3. Š m H $nzr Ho$ nmg ñwmb gmo{gªj (n[adhz g{hv) Ho$ ñwmz AÝ à{h«$ m AnZmB h? bmjy Zht, ~ H$ w» V {dîmr godmam Am a CËnmXm go w» ê$n go g ~ {YV h. (H$) {X hm, AmnHo$ {Z{d{îQ> m H$m {H$VZm à{vev VH$ òmov ~ZmE aim h? bj^j 50 eãxm CgH$m {ddau àñvwv H$a. bmjy Zht. 4. Š m H $nzr Zo AnZo H$m ñwb Ho$ Mmam Amoa Ho$ g wxm m g{hv ñwmzr d N>moQ>o CËnmXH$m go dñvwam d godme àmßv H$aZo Ho$ {be H$moB H$X CR>m m h? (H$) {X hm Vmo ñwmzr d N>moQ>o ì mnm[a m H$s j Vm gwyma Ho$ {be Š m H$X CR>m m h? dñvwam H$s IarX Omo emimam H$s ñwmnzm Am a emimam Ho$ g MmbZ Am{X Ho$ {be Amdí H$ h, Zrbm r à{h«$ m Ho$ O[aE ZOXrH$ Ho$ ì mnm[a m Ho$ O[aE H$amB OmVr h. 5. Š m H $nzr Ho$ nmg CËnmXm Am a An{eîQ> H$s nwzamd {Îm Ho$ {be H$moB V Ì h? {X hm Vmo CËnmXm Am a An{eîQ> (AbJ go 5%, 5-10%, 10%) Ho$ nwzamd {Îm H$m Š m à{vev h, bj^j 50 eãxm {ddau X. bmjy Zht {gõm V 3 g^r H$ Mm[a m H$s ^bmb Ho$ {be ì mnma H$mo ~ T>mdm XoZo hovw 1. H $n m H$ Mm[a m H$s Hw$b g» m gy{mv H$a. H$ Mm[a m H$s Hw$b g» m h. 2. H $n m AñWm r/g {dxmjv/amh$pñ H$ AmYma na {Z w³v H$ Mm[a m H$s Hw$b g» m gy{mv H$a. AñWm r/g {dxmjv/amh$pñ H$ AmYma na {Z w³v H$ Mm[a m H$s g» m 1434 h. 3. H $n m ñwmb {hbm H$ Mm[a m H$s g» m gy{mv H$a. ñwmb {hbm H$ Mm[a m H$s g» m 4479 h. 4. H $n m {Xì m J ñwm r H$ Mm[a m H$s g» m gy{mv H$a. {Xì m J ñwm r H$ Mm[a m H$s g» m 342 h. 5. Š m AmnHo$ nmg H$moB H$ Mmar g K h Omo à~ YZ Ûmam mý Vm àmßv h? hm 59

66 dm{f H$ [anmoq> Bg mý Vm àmßv H$ Mmar H$s Hw$b g» m AmnHo$ ñwmb H$ Mmar H$s g» m H$m {H$VZm à{vev h? A{YH$mar g K A^m{d~ Ag % H$m Jma g K 1. {d~ H$mg % 2. {d~ H$g % 7. H $n m JV df Ho$ ~mb OXÿar, ~ojmar, AZ pàn>h$ l, m Z CËnr S>Z go g ~ {YV {eh$m Vm H$s g» m Am a {dîmr df H$s g m{ßv VH$ CgH$s b {~V pñw{v gy{mv H$a. g. lour {dîmr df Ho$ Xm amz XO H$s JB {eh$m Vm H$s g» m {dîmr df H$s g m{ßv na b {~V {eh$m Vm H$s g» m 1 ~mb OXÿar/~oJmar/AZ pàn>h$ l eyý eyý 2 m Z emofu ^ox^mdnyu amoojma eyý bmjy Zht 8. ZrMo C{ëbpIV H$ Mm[a m Ho$ {H$VZo à{vev H$mo JV df gwajm Am a H$m eb CÝZ UrH$aU à{eju {X m J m Wm? (H$) ñwmb H$ Mmar % (I) ñwmb {hbm H$ Mmar % (J) AmH$pñ H$/AñWmB /g {dxmjv H$ Mmar eyý (K) {Xì m J H$ Mmar % {gõm V 4 g^r {hvymah$m Ho$ g ~ Y {deofh$a {OÝh ZwH$gmZ hmo ahm h H$mo {hv Am a {hv Ho$ CÎmaXm r ì mnma 1. Š m H $nzr Zo AnZo Am V[aH$ Am a ~mø {hvymah$m H$m ImH$m ~Zm m h? hm /Zht hm, ~ H$ Ho$ {hvymah$ gah$ma, {ZdoeH$, H$ Mmar Am a ~ H$ Ho$ J«mhH$ em{ b h. 2. Cnamo³V Ho$ A{V[a³V, Š m H $nzr Zo d {MV, H$ Omoa Am a hm{ee dmbo {hvymah$m H$s nhmmz H$s h? hm 3. Š m H $nzr Zo d {MV, H$ Omoa Am a hm{ee dmbo {hvymah$m H$mo em{ b H$aZo Ho$ {be H$s {deof H$X CR>m m h, {X hm Vmo bj^j 50 eãxm {ddau àñvwv H$a. H$ Mmar : ~ H$ Om{V, g àxm Am a Y Ho$ AmYma na {H$gr ^ox^md Am a nyd J«mh Ho$ {~Zm g^r H$ Mm[a m Ho$ gmw g mz ì dhma H$s Zr{V AnZmVr h. ~ H$ gah$mar {Xem-{ZX}e Ho$ AZwgma AOm/AOOm lour go g ~ {YV H$ Mm[a m H$mo g mz bm^/gw{dym/ghm Vm àxmz H$aVr h. ~ qh$j CÚmoJ nhbr ~ma {Xì m J H$ Mm[a m Ho$ H$ë mumw {Xì m J H$ Mm[a m Ho$ {be A{YH$mar Am a {b{nh$ nxmoýz{v hovw AbJ go nxmoýz{v M Zb ~ZmB JB h. CÀM {ejm (10dt go ñzmvh$moîma) àmßv H$aZo Ho$ {be {Xì m J H$ Mm[a m Ho$ ~ÀMo hovw ` 2000/- go `5000/- VH$ H$s N>mÌd {Îm àxmz H$aZo H$s moozm H$s ewéamv H$s JB h. {Xì m J lour go g ~ {YV H$ Mm[a m H$mo {ddmh Ho$ g `10,000/- H$s {dîmr ghm Vm àxmz H$aZo H$s moozm h. ZoÌhrZ H$ Mm[a m H$mo nh$ S> H$a MbZo dmbr N> S>r, ~mvmrv H$aZo dmbm gm âq>do a, ~«ob g b¾h$ Am{X O gr gw{dyme CnbãY H$am r OmVr h. J«mhH$ : g mo hm{ee na ahzo dmbo lour H$s Amdí H$Vm H$mo nyam H$aZo Ho$ AZwH«$, ~ H$ Zo AÝ Ho$ gmw yb ~MV ~ H$ ImVm moozm, {H$gmZm Ho$ {be {H$gmZ H«o${S>Q> H$mS>, ñd-ghm Xbm H$mo F$U, Jm amj«mamojm A ( ZaoJm) dovz Am a gm m{oh$ gwajm n ez Ho$ ^wjvmz Ho$ {be BboŠQ >m {ZH$ bm^ A VaU, {d^oxh$ ã mo Xa moozm Ho$ AYrZ F$U, {hbm CÚ{ m H$mo F$U Am a gyú d bkw B H$mB m H$mo g W Z H$s ewê$amv H$s h. 60

67 V U V E V {gõm V 5 n m dau Ho$ gå mz, gwajm Am a ~MmZo Ho$ Cnm Ho$ {be ì mnma 1. Š m mzdm{yh$ma na H $nzr H$s Zr{V Ho$db H $nzr H$s ajm H$aVr h m g yh/g w³v CÚ /Amny{V H$Vm / R>oHo$Xma/EZOrAmo/AÝ H$mo d{y V h? hm, ~ H$ H$mo ^mav Ho$ g {dymz {Z{hV mzdm{yh$ma Am a g K H$s ñdv ÌVm Ho$ g ~Y OmZH$mar h. mzd g gmyz Zr{V Ho$db ~ qh$j n[ammbz go a{jv h. ~ H$ H$s mzd g gmyz Zr{V g^r H$ Mm[a m Ho$ g mz Am a ñdñw ì dhma H$aVm h Am a amîq >r Vm, Y, qbj, C «, {Xì m JVm, H$ Mmar H$s gm m{oh$ Am a Am{W H$ pñw{v Ho$ AmYma na H$moB ^ox^md Zht {H$ m OmVm h. AnZo n[aga Ho$ {g{db {Z m U/{dÚwVr / AZwajU H$m Ho$ {be R>oHo$Xmam H$s godme bovo g l H$mZyZ Am a mzdm{yh$ma go g ~ {YV AÝ {Z m H$m AZwnmbZ ~ H$ H$aVm h. 2. JV {dîmr df {hvymah$m Ho$ {H$VZo {eh$m V àmßv hþb h Am a à~ YZ Ûmam g VmofOZH$ ê$n go gwbpme JE {eh$m Vm H$m Š m à{vev h? df Ho$ Xm amz ~ H$ Zo ~ H$ Ho$ {d{dy {hvymah$m go 5290 {eh$m V àmßv H$s h Am a {ZnQ>mB JB {eh$m Vm H$s g» m 100% h. {gõm V 6 n m dau Ho$ gå mz, gwajm Am a ~MmZo Ho$ Cnm Ho$ {be ì mnma 1. Š m {gõm V 6 go g ~ {YV Zr{V Ho$db H $nzr H$s ajm H$aVr h m g yh/g w³v CÚ /Amny{V H$Vm / R>oHo$Xma/EZOrAmo/AÝ H$mo d{y V h? hm, h Zr{V Ho$db ~ H$ H$mo a{jv h. 2. Š m H $nzr Ho$ nmg d {ídh$ n m dau wôm O go Obdm w n[adv Z, d {ídh$ CîUVm Am{X Ho$ g mymz Ho$ {be H$moB auzr{v/nhb h? hm /Zht. {X hm Vmo H $n m do~noo Am{X H$m qbh$ àxmz H$a. hm, ~ H$ H$s F$U Zr{V {ZX}eZ Ho$ AZwgma, AmoOmoZ j H$mar nxmw O go ŠbmoamoâbyamoH$m~ Z - 11 (gre $gr-11), gre $gr-12, gre $gr-11 Am a gre $gr-12 H$m { lu, gre $gr-13, H$m~ Z Q>oQ >mšbmoambs>, { WmBb Šbmoamo $m, hmbmoýg , 1301, 2402 H$m InV/CËnmXZ H$aZo dmbr ZB H $n{z m Ho$ JR>Z Ho$ {be ~ H$ H$moB {dîm CnbãY Zht H$amVm h. 3. Š m H $nzr g ^mì n m dau OmopI H$s nhmmz Am a AmH$bZ H$aVm h? hm /Zht hm ì mnma H$s àh ${V H$mo XoIVo hþe ~ H$ EH$ hëdnyu ñva na n m dau OmopI Ho$ {be ^oú Zht h. 4. Š m H $nzr Ho$ nmg ñdàn> {dh$mg V Ì go g ~ {YV {H$gr àh$ma H$s n[a moozm h? {X Eogm h Vmo, bj^j 50 eãxm {ddau CnbãY H$amE, {X hm Vmo Š m H$moB n m dau AZwnmbZ [anmoq> XO H$s OmVr h? hm, {~Zm nona Ho$ ~ qh$j Ho$ àdv Z Ho$ {be H$moa ~ qh$j g mymz, B Q>aZoQ> ~ qh$j, Q>obr-~ qh$j, mo~mbb ~ qh$j, EQ>rE, B -bm ~r g{hv ~ H$ Ûmam {d{dy h[av nhb H$s OmVr h. 5. Š m H $nzr Zo ñdàn> VH$ZrH$s, D$Om XjVm, ZdrH$aUr D$Om Am{X na H$moB AÝ nhb {H$ m h, {X hm Vmo H $n m do~noo Ho$ {be qbh$ àxmz H$a. ~ H$ Zo ñdàn> VH$ZrH$s Am a D$Om XjVm Ho$ àdv Z Ho$ {be H$B H$X CR>m m h. ~ H$ n m dau AZwHy$b h[av CËnmXm H$mo hëd d dar Vm XoVm h Omo H$m~ Z H«o${S>Q>, ndz M $s/gm a D$Om n[a moozmam H$m AO Z H$aVm h. 6. Š m {dîmr df Ho$ {be grnrgr~r/egnrgr~r Ûmam {XE JE AZw V gr mam Ho$ AYrZ H $nzr Ûmam CËnÝZ {H$E JE CËgO Z/An{eîQ> H$m [anmoq> {H$ m OmVm h? ~ H$ {dîmr godme CnbãY H$amVm h Am a Bg{bE h bmjy Zht h. 61

68 dm{f H$ [anmoq> grnrgr~r/egnrgr~r go àmßv H$maU ~VmAm /H$mZyZr Zmo{Q>g H$s g» m Omo {dîmr df H$s g m{ßv VH$ b {~V h (AWm V g VmofOZH$ ê$n go Zht {ZnQ>m m J m). - eyý - {gõm V 7 ì mnma Omo gmd O{ZH$ Zr{V Am a {d{z m H$ Zr{V H$mo à^m{dv H$aZo em{ b hmo, {Oå oxma VarHo$ go Eogm H$aVo hm 1. Š m H $nzr {H$gr ^r ì mnma Am a S>b m g K Ho$ gxñ h? {X hm Vmo à wivm go Zm {OgHo$ gmw H$mamo~ma H$aVo h : (H$) ^mavr ~ H$ g K (AmB ~re) (I) ~ qh$j H$moS> Am a ^mavr mzh$ ~mos> (~rgreg~ramb ) (J) ^mavr ~ qh$j d {dîm g ñwm (AmB AmB ~re $) (K) ~ qh$j H$m{ H$ M Z g ñwm (AmB ~rnreg) 2. Š m AmnZo OZVm H$s ^bmb Ho$ {be CÝZ{V m gwpmd Ho$ {be Cnamo³V g ñwmam Ho$ gmw dh$mbv/n adr H$s h? hm /Zht; {X hm Vmo ì mnh$ joì H$m {ddau X (S >m n ~m Šg : emgz Am a àemgz, Am{W H$ gwyma, g mdoer {dh$mg Zr{V, D$Om gwajm, Ob, ImÚ gwajm, gvv ì mnma {gõm V, AÝ ) {gõm V 8 ~ H$ ^mav H$m gmd O{ZH$ joì H$m ~ H$ h Omo Xoe Ho$ g^r joìm Am a g^r lour H$s OZVm H$mo ~ qh$j godmam H$m bm^ {XbmZo Ho$ bú go H$m H$aVm h. BgHo$ A{V[a³V, Xoe Ho$ gvv² {dh$mg Ho$ {be gh moj H$aVo hþe Am{W H$ Am a {dîmr joì gwyma, g mdoer {dh$mg, amîq >r àmw{ H$VmAm Ho$ joì g g na ^mav gah$ma Am a ^mavr [aod ~ H$ Ûmam Omar g^r Zr{V {ZXoem /{Z m H$ {Xem-{ZX}em H$m AZwnmbZ ~ H$ H$aVm h ~ H$ H$mo ì mnma g mdoer Am a g Vwë {dh$mg H$m g W Z H$aZm h 1. Š m H $nzr Ho$ nmg {gõm V 8 go g ~ {YV Zr{V Ho$ AZwerbZ {Z{X îq> H$m H«$ /nhb/n[a moozm h? {X hm Vmo CgH$m {ddau X. ñd ghm Vm g yh VWm g w³v Xo Vm g yh H$mo F$U : J«m ru Ed ehar Jar~m H$m F$U Amdí H$VmAm H$mo nyar H$aZo, EH$ g $b F$U {dvau àumbr hmozo Ho$ ZmVo, ~ H$ EH$ à wi joì Ho$ ê$n EgEMOr/OoEbOr H$mo F$U àxmz H$a ahm h. A~ VH$ ~ H$ Ho$ nmg ` 841 H$amo S>> Ho$ F$U g ~Õ g yh h. F$U g ~Õ EgEMOr/OoEbOr Ho$ {be ~S>o n mzo na gryo VWm H$mamo~ma g nh $XmVm m S>b Ho$ O[aE {deof A{^ mzm H$m Am mooz {H$ m J m. ^mav gah$ma Ho$ EZAmaEbE Ho$ VhV nmì g yhm H$mo ã mo ghm Vm {dv[av H$s JB. ~ H$ Zo mbh«$mo {dîmr g ñwmam (E E $AmB ) H$mo ^r `567 H$amo S>> H$m F$U àxmz {H$ m h, Omo EgEMOr/OoEbOr VWm AÝ {ZåZ Am g yh Ho$ {be h. 2. Š m Am V[aH$ Q>r /ñd g ñwm/~mhar EZOrAmo/gaH$mar g amzm/aý {H$gr g JR>Z Ûmam H$m H«$ /n[a moozm Am mo{ov H$s JB? ZrMo Hw$N> AÝ nhb Xr JB h, {OZ bmojm Am a g mo H$s godm H$aZo na à^md S>mbZodmbr n[a moozme ewé H$aZo Ho$ {be ~ H$ em{ b h. i. dramb ~regb Q>rAmB ({do m ~ H$ ñd-amoojma à{eju g ñwm) : ~ H$ Zo H$Zm Q>H$ Ho$ S>çm Am a hmdoar VWm Ü àxoe Ho$ B Xm a {do m ~ H$ ñd-amoojma à{eju g ñwm (dramb ~regb Q>rAmB ) H$s ñwmnzm H$s h. g ñwm Zo {d{dy ì mdgm{ H$ à{eju/h$m eb CÝZ UrH$aU/ OmJê$H$Vm H$m H«$ /CÚ r {dh$mg H$m H«$ Am{X H$m Am mooz {H$ m h. g^r VrZm dramb ~regb Q>rAmB H$mo J«m ru {dh$mg Ìmb 62

69 t m m m h (E AmoAmaS>r) Ûmam df Ho$ {be CÀMV lourh$au lour "EE' go nwañh $V {H$ m J m h. dv mz df Ho$ Xm amz 87 H$m H«$ Am mo{ov {H$E Ja h Am a 2399 bm^m{w m H$mo à{e{jv {H$ m J m h. àma ^ go Hw$b 1624 H$m H«$ Am mo{ov {H$E JE h Am a {hvm{yh$m[a m H$mo bm^ hþam h. Wm {XZm H$ H$mo bm^h$mar ñd-amoojma CÚ Ho$ gmw à{e{jv Aä {W m H$m Hw$b à{vev 70% h. ii. {do m J«m ru {dh$mg à{vð>mz (dramas>re $) {dh$mg H$m H«$ m Ho$ {be EH$ M àxmz H$aZo Ho$ {be VWm H ${f, newnmbz, J«m ru CÚmoJ, godme Am{X VWm AÝ J«m ru {dh$mg joìm O go gmjavm, ñd amoojma, ñdmñï Am a ñdàn>vm joì d km{zh$, e {jh$ Am a {dh$mgmë H$ J{V{d{Y m Ho$ {be ~ T>mdm XoH$a J«m ru joìm {dñvma J{V{d{Y m H$m g MmbZ H$aZo Ho$ {be df 1990 ~ H$ Ûmam Jbya {do m J«m ru {dh$mg $mc S>oeZ (dramas>re $) ñwm{nv {H$ m J m. dramas>re $, {d{^ýz {df m H$mo H$da H$aVo hþe J«m {dh$mg n[afx (drs>rgr) Ho$ mü go {d{^ýz OmJê$H$Vm H$m H«$ m H$m Am mooz H$a ahm h. {dîmr df dramas>r Ho$ A VJ V Eogo 49 drs>rgr H$m H$a aho h. $mc S>oeZ Zo 5 drs>rgr ñwm{nv {H$ m h. $mc S>oeZ H$s J{V{d{Y m X{jU H$ÝZ S>, CSw>nr, H$mgaJmoS> Am a CÎmam H$ÝZ S> {Obo Ho$ {ZH$VdVu ^mjm Am a hmdoar, Ymadm S> Am a S>çm O go AÝ {Obm $bo h Ohm ~ H$ H$s AJ«Ur ~ H$ {μoå oxmar h. {dîmr df Ho$ Xm amz, dramas>re $ hþe 283 H$m H«$ m H$m Am mooz {H$ m VWm ì p³v bm^mpýdv hþe. dramas>re $ ñwmnzm Ho$ ~mx Bg df Am mo{ov H$m H«$ m H$s g» m g~go Á mxm h. ñwmnzm Ho$ ~mx go bm^m{w m H$mo bm^mpýdv 1969 H$m H«$ Am mo{ov {H$E JE h Ho$ Xm amz Am mo{ov Hw$N> Zd H$m H«$ {ZåZ{bpIV Wo: Ob g aju Omo Mm ~rg K Q>o H$s Amdí H$Vm h Ho$ ~mao J«m rum Ho$ ~rm OmJê$H$Vm $bmzo hovw N>V dfm Ob g M Z m S>b. > àymz Ìr { Å>r ñdmñï H$mS> moozm AmH$medmUr, Jbya Ho$ mü go 10d H$j Ho$ J«m ru ñhy$b {dúm{w m Ho$ {be J{UV d A J«oOr {dkmz ao{s> mo gì Am mo{ov {H$ m J m H ${f ì dgm é{m {dh${gv H$aZo d Bg Amoa {dü m{w m H$mo A{^ào[aV H$aZo Ho$ {be 50 {dü mwu H ${fh$m g Km H$m JR>. gãor Ho$ ~rom {dvau 3. Š m AmnZo AnZr nhb Ho$ {H$gr à^md H$m AmH$bZ {H$ m h? ~ H$ Zo à OY mo Ho$ AYrZ bmi yb ~MV ~ H$ O mam{e ImVo Imobo h {Og Hw$b ~MV ` H$amo S> h Am a g^r ImVmYmaH$m H$mo éno S>o{~Q> H$mS> Omar {H$E h. mm % go df 2018 d {Õ 90.01%bmI ImVm AmYma g» m Omo S>o JE h. ~ H$ Zo 9442 à OY mo Ho$ ImVmYmaH$m H$mo AmodaS >mâq> gw{dym Oya H$s h Am a {OgH$s Hw$b am{e ` bmi h. 4. gm wxm{ H$ {dh$mg n[a moozm H$mo AmnH$s H $nzr H$m grym A exmz Š m h - am{e éne Am a {H$ o JE n[a moozm H$m {ddau X. df Ho$ Xm amz, g mo Ho$ {d{^ýz O go {H$ gm m{oh$ ê$n go {nn> S>o, Am{W H$ ê$n go H$ Omoa dj Am a ^m Jmo{bH$ Ñ{îQ> go Xÿa ahzodmbo djm], Ho$ {be ~ZmE aizo mo½ {dh$mg hovw mojxmz XoZo Ho$ CÔoí go ~ H$ Zo H$B H$m {H$E h. h mam $moh$g ~m{bh$m {ejm, J«m ru ñdmñw, gwa{jv nrzo H$m nmzr, g $mb, J«m ru {dúmb m H$mo yb^yv gw{dym, n m dau gwajm, hm{ee na, Cno{jV, n[aë ³V, Oê$aV X bmojm H$mo g gmyz CnbãY H$amZo Ed nyao Xoe Ho$ g^r ^mjm $br AnZr emimam Ho$ Ûmam {deof ê$n go Amdí H$Vm àmßv ì {³V m H$mo ZH$X Am a dñvwam Ho$ XmZ àxmz H$aZo na h. {dîmr df Ho$ Xm amz ~ H$ Zo AnZr H $nzr gm m{oh$ Xm{ Ëd Ho$ AYrZ {ZåZ{bpIV J{V{d{Y m Ho$ {be ` 3.98 bmi IM {H$ m h. 63

70 dm{f H$ [anmoq> S>b Ho$ {ZX}emZwgma, ~ H$ Zo {d{^ýz gm m{oh$ Cn w³v J{V{d{Y m Ho$ {be df Ho$ {be gregama H$m H«$ H$s ê$naoim V ma H$s h. df Ho$ Xm amz {H$E JE gregama J{V{d{Y m H$m g {jßv gma ZrMo {X m J m h. ~m{bh$m H$mo JmoX bozm - h mao ~ H$ df 2011 ewê$ H$s JB Wr, {Og df Ho$ Xm amz AOm/AOOm/A{nd/AmH$d Ho$ n[admam go 967 ~m{bh$mam H$mo JmoX {b m J m Am a A~ VH$ ~ H$ Ûmam JmoX {be JE ~m{bh$mam H$s Hw$b g» m 1311 h ñhy$bm Ho$ {be em Mmb ì dñwm ~ H$ Zo 66 {dúmb m b S>Ho$ Am a b S>{H$ m Ho$ {be AbJ-AbJ em Mmb H$m {Z m U H$adm m h Omo A{YH$Va J«m ru joìm h Am a {OgHo$ {be m{gh$ AZwajU IM ~ H$ Ûmam dhz {H$ m OmVm h J«m ru ñdmñw H $Ð: ~ H$ Zo mo½ {M{H$ËgH$m H$mo {Z w³v H$aVo hþe 58 J«m ru ñdmñw H $Ðm H$s ñwmnzm H$s h {Og arom H$mo àmw{ H$ {M{H$Ëgm gw{dym CnbãY H$amB OmVr h Am a XdmE wâv Xr OmVr h {Xì m J ì {³V m Ho$ {be ~g/dmhz :~ H$ Zo {deof ñhy$bm, AZmWmb m Am a {deof Amdí H$Vm dmbo ì {³V, O go {H$ {Xì m J, ~r ma Am a Aghm ì {³V m H$s godm bjo hþe VWm g mo Ho$ Aëngw{dYm àmßv djm] Ho$ {be H$ë mu àxmz H$aZodmbo Y m W g JR>Zm H$mo ~g, d Z O go dmhz H$m XmZ {H$ m h ~ H$ Zo ñwmb yb^yv gw{dym g {OV H$aZo Ho$ {be yb^yv gmyzm H$m XmZ {H$ m h O go {H$ Zmo^«e à^m{dv d Õ ì {³V m Ho$ {be AñnVmb H$m {Z m U, Y m W AñnVmb ~ÀMm Ho$ dms> H$m {Z m U, H $ga AñnVmb Ho$ {be A{YH$ yë Ho$ {M{H$Ëgm CnH$aU, S>m {b{gg erz, Am{X Ho$ {be hovw ny {OJV ì H$m g OZ, Vm{H$ AZmWmb m ~r ma, ~oghmam, {Xì m J, Aghm bmojm H$s godm bjo hþe Y m W AñnVmb, Q >ñq>, EZOrAmo Am{X, d Õml m, {deof ñhy$bm, A Ym Ho$ {be ñhy$b, AñnVmb Am{X ZB / AÚVZ {M{H$Ëgm gw{dym àxmz H$s Om gh $. BgHo$ Abmdm, ~ H$ Zo {deofv: d {MV Am a Oê$aV X ì {³V m Ho$ {be ìhrbmo a, CnH$aU,ñQ >oma, {~ñva, H $~b, ~os>erq>, $ZuMa, { «$S²O, Q >mbgmb{h$b Am{X H$m ^r XmZ {H$ m h ñhy$bm, Y m W AñnVmbm,gmd O{ZH$ ñwmzm Am{X gwa{jv nrzo Ho$ nmzr H$s ì dñwm Ho$ {be, Ob ew{õh$mah$ Ì, dmq>a ß y[a $m a, ~moadob H$s IwXmB, dmq>a { $ëq>a, nmzr H$m g J«hU Q> H$ Am{X H$s ñwmnzm Ho$ {be XmZ {X m J m h h[av nhb Ho$ VhV, ~ H$ Zo gmd O{ZH$ nmh $ Ho$ g $mb Ho$ aiaimd H$s {Xem d jmamonu {H$ m h. H$Mao Ho$ g J«h ~mjdmzr CnH$aU H$Mam [ašem Am{X XmZ {H$ m h AÝ XmZ BZ J{V{d{Y m Ho$ Abmdm, Jar~m, Oê$aV X ì {³V m VWm g mo Ho$ ~oghm dj Ho$ H$ë mu Ho$ {be ñhy$bm, Y m W Q >ñq>m, VWm J a bm^ g JR>Zm yb^yv gw{dyme àxmz H$aZo Ho$ {be XmZ {X m h 5. Š m AmnZo h gw{z{ímv H$aZo Ho$ {be H$X CR>m m h {H$ g wxm {dh$mg nhb H$mo g wxm Ûmam g $bvmnyd H$ AnZm m OmVm h? H $n m 50 eãxm {ddau X. hm, ~ H$ Zo BZ ewéamvm H$mo AnZr joìr H$m m b Ed emimam Ho$ O[aE H$m m pýdv {H$ m. {OgHo$ {be {Za Va A V:jon Mm{hE. {ZH$Q>V emimam Ho$ mü go YZ H$s {ZJamZr Am a A {V Cn moj gw{z{ímv {H$ m OmVm h. ~ H$ Eogr J{V{d{Y m ^r MbmVr h Omo XmZ O go àh ${V hmovr h Am a B «$mñq >ŠMa Ho$ g OZ, ñhy$bm, d Õml m, AZmWmb m, {Xì m J / {Zam{lV Kam, Y m W AñnVmbm, Am{X Ho$ {be CZH$s H${R>ZmB H$mo H$ H$aZo Am a EH$ ñwm r AmYma na AnZo OrdZ ñva H$mo ~ T>mZo Ho$ {be Amdí H$ dñvwam H$s Amny{V H$aVo hþe CXmaVmnyd H$ XmZ {H$ m h. 64

71 a d m a {gõm V 9 H$mamo~ma {H$ m OmZm h VWm {Oå oxma VarHo$ go AnZo J«mhH$m Am a Cn^mo³VmAm H$mo C{MV yë àxmz H$aZm h 1. {dîmr df H$s g m{ßv na J«mhH$m H$s {eh$m V/Cn^mo³Vm m bo H$m {H$VZo à{vev b {~V h. {dîmr df H$s g m{ßv na ~ H$ Ho$ nmg 4699 àmßv {eh$m Vm go 40 b {~V h, AWm V Hw$b {eh$m Vm H$m Ho$db 0.85%. 2. Š m H $nzr CËnmX ñva na CËnmX gymzm H$aVr h Omo ñwmzr H$mZyZ Ho$ AZwgma A{Zdm h? hm /Zht/bmJy Zht /{Q>ßn{U m± (A{V[a³V gymzm) ~ H$ Ûmam àñvm{dv CËnmX Am a godmam Ho$ ~mao gymzm nm} Am a {dda{uh$m Ho$ O[aE CnbãY H$am m OmVm h Am a h ~ H$ H$s do~gmbq> ^r CnbãY h. 3. Š m JV nm M dfm] Ho$ Xm amz {H$gr ^r {hvymah$ Ûmam AZw{MV ì mnma ì dhma, J a-{oå oxmamzm {dkmnz Am a/ m à{vñnym {damoyr ì dhma go g ~ {YV H $nzr Ho$ {dê$õ H$moB m bm XO {H$ m J m h. {X hm Vmo 50 eãxm {ddau X. -eyý - 4. Š m H $nzr Ûmam Cn^mo³Vm gd}ju/cn^mo³vm g Vw{îQ> ê$pmz Ho$ ~mao gd}ju {H$ m J m h? hm, mh Ho$ Xm amz g^r emimam /joìr H$m m b J«mhH$ godm g{ {V H$s ~ R>H$ Am mo{ov H$s OmVr h, J«mhH$ godm na à{v{h«$ m br OmVr h Am a J«mhH$ godm COmJa hþb H${ m H$mo Xÿa H$aZo Ho$ {be ghr g na gh$mamë H$ H$ma dmb H$s OmVr h. BgHo$ Abmdm, ~ H$ Zo ~ohva J«mhH$ godm hm{gb H$aZo H$s {Xem gwyma Ho$ joìm H$s nhmmz Ho$ {be EH$ ñdv Ì EO gr Ho$ mü go h mar 849 M {ZV emimam J«mhH$ g Vw{ï> na gd}ju {H$ m h a m V s 65

72 dm{f H$ [anmoq> {dîmr df hovw $ H $nzr emgz na {do m ~ H$ Ho$ {ZXoeH$ S>b H$s [anmoq> ~ H$ Ho$ H $nzr A{^emgZ g ~ Yr {gõmýv ~ H$ H$s n[a^mfm H $nzr A{^emgZ go VmËn h - O~yV ~w{z mxr VËdm Ho$ gmw XrK H$m{bH$ pñwavm Xem Zm h. H $nzr A{^emgZ H$m CÔoí ~ H$ Ho$ {be O~yV ~w{z mxr VËdm H$m g OZ H$aZm h. H $nzr A{^emgZ nõ{v m Ho$ ~XbVo Am m m Ho$ gmw ~ H$ Ho$ {be ^{dî H$s {dñv V XÿaÑ{îQ> aivo hþe Am a A{YH$ {H«$ merb / JË më H$ VWm ge³v g ñwm Ho$ ê$n C^aZo H$s Amdí H$Vm h. H $nzr A{^emgZ A{Zdm V H$B {hvymah$m {Og CgHo$ eo aymah$, à~ YZ, J«mhH$, Amny{V H$Vm Am, {dîmr g ñwme, gah$ma VWm g wxm em{ b h, Ho$ {hv H$m g VwbZ H$aZm em{ b h. O~{H$ H $nzr A{^emgZ H $nzr CÔoí m H$s ny{v Ho$ {be EH$ ê$naoim CnbãY H$amVm h, dh ì mdhm[ah$ ê$n go à~ YZ, H$m moozm VWm Am V[aH$ {Z ÌU go {ZînmXZ mnz VWm H$m nm}aoq> àh$q>rh$au Ho$ àë oh$ nhby H$mo g m{hv H$aVm h. EH$ AÀN>m H $nzr A{^emgZ H$m yb VËd ~ H$ VWm CgHo$ g^r {hvymah$m Ho$ ~rm {dídgzr g ~ Y gw{z{ímv H$aZm h. AV, CÎm A{^emgZ AZwnmbZ go ~hþv A{YH$ em{ b hmovm h. EH$ CÎm H $nzr A{^emgZ pñwavm, CÎmaXm{ Ëd, Odm~Xohr, {ZînjVm, nmax{e Vm VWm à^mdembr g ñh ${V VWm n[adoe h Omo nyao g JR>Z $bmvm h. ~ H$ AnZo g^r ñvam na {ZînmXZ gw{z{ímv H$aVo hþe eo aymah$m Ho$ {hv H$s gwajm aizo VWm g gmyzm Ho$ A{YH$V BñVo mb H$aVo hþe A{YH$V bm^ Ho$ gmw CZH$s Ah{ V ~T>mZo {Za Va g{h«$ h. ~ H$ Z Ho$db gm {d{yh$ Amdí H$VmAm H$m AZwnmbZ H$aVm h ~pëh$ ñdoàn>m go O~yV H $nzr A{^emgZ nõ{v m H$mo ^r ~ZmVm h VWm CZH$m AZwnmbZ H$aVm h. ~ H$ AnZo g^r joì Ho$ J{V{d{Y m CËH $îq>vm àmßv H$aZo hovw CÝZV ñva Ho$ Z {VH$ yë, nmax{e Vm Am a AZwem{gV Ñ{îQ>H$moU aivm h. ~ H$ AnZo {hvymah$m {Og eo aymah$, J«mhH$, gah$ma Am a Img Vm a na g mo em{ b h, Ho$ {hv H$mo CÎm godm àxmz H$aZo ha g ^d à mg H$a ahm h. ~ H$ EH$ gymr~õ BH$mB h ; h EH$ H $nzr Zht h ~pëh$ ~ H$H$mar H $nzr (CnH«$ m H$m AO Z d A VaU) A{Y{Z, 1980 Ho$ AYrZ EH$ {ZJ{ V {ZH$m h VWm ^mavr [aod ~ H$ Ûmam {d{z { V h. ~ H$ H$s H $nzr A{^emgZ Zr{V m S>b H$s Odm~Xohr VWm CgHo$ {ZU m H$s hîmm J«mhH$m, {ZdoeH$m, H$ Mm[a m VWm {d{z m H$ àm{yh$m[a m g{hv g^r KQ>H$m Ho$ à{v gw{z{ímv H$aVr h Am a Xem Vm h {H$ h mao Am{W H$ J{V{d{Y m Ho$ H$maU Am a A {V {hvm{yh$mar eo aymah$ h. H$mnm}aoQ> H$m m] Ho$ Ìmb (E gre) Ûmam H$mnm}aoQ> àemgz ewé H$s JB h[av nhb H$mnm}aoQ> H$m m] Ho$ Ìmb Zo n[anì Omar H$a eo aymah$m H$mo dm{f H$ {dîmr n[aum m H$s à{v m g{hv XñVmdoμO/gyMZmE± Am{X ^m {VH$ ê$n go ^oozo Ho$ ~Xbo BboŠQ >m{zh$ ê$n ào{fv H$aZo Ho$ g ~ Y ñnîq>rh$au {X m h. Bggo g mo H$mo, H$mJO H$s InV H$ {H$E OmZo go bm^ nhþ±mojm Am a ~Xbo Bggo d jm H$s ajm hmojr {Oggo {Za Va h[av dmvmdau H$m {Z m U hmo gho$jm. BboŠQ >m{zh$ mü go XñVmdoμO/gyMZmE± ào{fv H$aZo go g na gymzm nhþ±mmzo VWm BZHo$ mj ñw ZîQ> hmozo go ~MZo H$mo ^r gw{z{ímv {H$ m Om gh$vm h. h Zo AnZo g^r eo aymah$m go AZwamoY {H$ m h {H$ do AnZo B - ob nvm h mao nmg n OrH $V H$admE± Vm{H$ h ^mav gah$ma Ûmam ewê$ H$s JB h[av nhb H$m AZwnmbZ H$a gh $. 2. {ZXoeH$ S>b AÀN>m H$mnm}aoQ> àemgz CÀM ñva na {ZXoeH$ S>b VWm CÀM à~ YZ dj go ewê$ hmovm h Omo {H$ C{MV {ZU boh$a ~ H$ H$mo CËH $îq>vm Ho$ CÀMV mzh$ àmßv H$aZo hovw mj {ZX}e àxmz H$aVo h. ~ H$ Ho$ {ZXoeH$ S>b Am a AÝ g{ {V m H$m JR>Z, ~ H$H$mar H $nzr (CnH«$ m H$m AO Z d A VaU) A{Y{Z, 1980; ~ qh$j {d{z Z A{Y{Z,1949 Am a amîq>r H $V ~ H$ (à~ YZ VWm {d{dy àmdymz) moozm, 1980 Ed Bg g ~ Y ^m.[a.~. Ho$ {ZXoe/^maV gah$ma Ho$ {Xem{ZX}e/AmB greamb boim H$Z mzh$ Ho$ AZwgma {H$ m J m h. 2.1 Wm {XZm H$ H$mo {ZXoeH$ S>b H$s g amzm H$m H$mar 3 J a-h$m H$mar 9 Hw$b 12 {ZXoeH$, ~ H$ Ho$ {dh$mg Ho$ {be, AnZo d {dü kmz, AZw^d Am a AnZo {d{eîq> joìm {deofkvm Ho$ gmw AnZm CËH $îq> mojxmz XoVo aho h. 66

73 2.2 Wm {XZm H$ H$mo {ZXoeH$ S>b H$s g amzm {ZåZmZwgma h : V V H«$ {ZXoeH$ H$m Zm nxzm {ZXoeH$-nX H$m ñdê$n nx g ^mbzo H$s VmarI g. 1. lr Or Zmam UZ J a H$m nmbh$ AÜ j Ed J a A{YH$mar {ZXoeH$ J a - H$m nmbh$ lr Ama E e H$a Zmam UZ * à~ Y {ZXoeH$ Ed grb Amo H$m nmbh$ lr ZmJoída amd dmb H$m H$mar {ZXoeH$ H$m nmbh$ lr wabr am ñdm r * H$m H$mar {ZXoeH$ H$m nmbh$ lr EZ lr{zdmg amd * gah$mar Zm{ Vr J a - H$m nmbh$ lr Or nr ~moam ^m.[a.~. Zm{ Vr J a - H$m nmbh$ lr {ddoh$ gmozr * J a A{YH$mar {ZXoeH$ (gre lour) J a - H$m nmbh$ lr E ^Jd V amd J a A{YH$mar {ZXoeH$ J a - H$m nmbh$ lr dr dr Ama emór J a A{YH$mar {ZXoeH$ J a - H$m nmbh$ lr Eg akwzmw J a A{YH$mar {ZXoeH$ J a - H$m nmbh$ lr amoz S>moJam * Zm{ Vr - eo aymah$ J a - H$m nmbh$ lr amkd Xa JwßVm * Zm{ Vr - eo aymah$ J a - H$m nmbh$ df Ho$ Xm amz {ZXoeH$m H$s {Z w{³v * lr Ama E e H$a Zmam UZ H$mo {XZm H$ go à~ Y {ZXoeH$ d w» H$m H$mar A{YH$mar Ho$ ê$n {Z w³v {H$ m J m h. * lr wabr am ñdm r H$mo {XZm H$ go H$m H$mar {ZXoeH$ Ho$ ê$n {Z w³v {H$ m J m h. * lr EZ lr{zdmg amd H$mo {XZm H$ go gah$mar Zm{ Vr Ho$ ê$n {Z w³v {H$ m J m h. * lr amoz S>moJam H$mo {XZm H$ go Zm{ Vr - eo aymah$ Ho$ ê$n {Z w³v {H$ m J m h. * lr amkd Xa JwßVm H$mo {XZm H$ go Zm{ Vr - eo aymah$ Ho$ ê$n {Z w³v {H$ m J m h. * lr {ddoh$ gmozr H$mo {XZm H$ go gre lour Ho$ VhV J a A{YH$mar {ZXoeH$ Ho$ ê$n {Z w³v {H$ m J m h. Z df Ho$ Xm amz {ZXoeH$m H$s H$m H$mb g m{ßv S>m {H$emoa gm±gr, {XZm H$ H$mo CZHo$ H$m H$mb Ad{Y g m{ßv na ~ H$ Ho$ à~ Y {ZXoeH$ d w» H$m H$mar A{YH$mar Zht aho. lr Vr ^mavr amd, {XZm H$ H$mo CZHo$ H$m H$mb Ad{Y g m{ßv na eo aymah$ {ZXoeH$ Zht aht. lr nr d ÚZmWZ, {XZm H$ H$mo CZHo$ H$m H$mb Ad{Y g m{ßv na eo aymah$ {ZXoeH$ Zht aho. lr g O Hw$ ma, {XZm H$ H$mo CZHo$ H$m H$mb Ad{Y g m{ßv na gah$mar Zm{ Vr {ZXoeH$ Zht aho. lr ~r Eg am mamd, {XZm H$ H$mo CZHo$ H$m H$mb Ad{Y g m{ßv na ~ H$ Ho$ H$m H$mar {ZXoeH$ Zht aho. 2.3 df Ho$ Xm amz {Z w³v {ZXoeH$m H$m n[am Zm lr Ama E e H$a Zmam UZ OÝ {V{W C «58 df Ah Vm E ~re ({dîm), greamb AmB ~r, nrors>rnre, nrors>re $E, S>rQ>rAmB AmaE, S>rgrnr, ~ramae 67

74 dm{f H$ [anmoq> {ZXoeH$ Ho$ ê$n {Z w{³v H$m ñdê$n AZw^d à~ Y {ZXoeH$ Ed w» H$m H$mar A{YH$mar lr Ama E e H$a Zmam UZ H$mo, {X H$s A{YgyMZm Ho$ μo[ae amîq >r H $V ~ H$ (à~ YZ VWm {d{dy àmdymz) moozm, 1970/1980 Ho$ I S> 3 Ho$ Cn-I S> (1), I S> (6) VWm I S> 8 Ho$ Cn-I S> (1) Ho$ gmw n{r>v ~ qh$j H $nzr (CnH«$ m H$m AO Z Ed A VaU) A{Y{Z, 1970/1980 H$s Ymam 9 H$s Cn-Ymam (3) Ho$ I S> (H$) Ho$ AYrZ ^mav gah$ma Ûmam ~ H$ Ho$ à~ Y {ZXoeH$ Ed w» H$m H$mar A{YH$mar Ho$ ê$n {Z w³v {H$ m J m h. lr Ama E e H$a Zmam UZ Zo {XZm H$ 1 {gv ~a 2017 go {do m ~ H$ Ho$ à~ Y {ZXoeH$ d w» H$m H$mar A{YH$mar H$m nx^ma g ^mbm h. do bmoh$ àemgz ñzmvh$moîma h VWm gmw hr E ~re ({dîm), greamb AmB ~r, nrors>rnre, S>rQ>rAmB AmaE, S>rgrnr, ~ramae H$s Cnm{Y m± ^r CÝhm Zo àmßv H$s h. do df 1983 ~ H$ Am $ B {S> m gryr ^Vu A{YH$mar Ho$ ê$n {Z w³v {H$E JE Am a Q>moŠ mo Am a qgjmnmoa {dxoer H$m Ho$ gmw Q >ooar, IwXam Am a A Vam îq >r ~ qh$j g{hv H$m nm}aoq> H$m m b H$B emimam, A Mbm ZoeZb, ~ qh$j g yh Am a H$B AÝ {d^mjm H$m ZoV Ëd {H$ m. CZHo$ nmg Q >ooar, A Vam îq >r ~ qh$j, H$m nm}aoq> H«o${S>Q>, OmopI à~ YZ, AZwnmbZ, IwXam, {dnuz, dgybr, mzd g gmyz g{hv ~ qh$j Ho$ g^r joìm g Õ AZw^d Am a EŠgnmoOa h. B 2015 go ~ H$ Am $ B {S> m Ho$ H$m H$mar {ZXoeH$ Ho$ ê$n, do A Vam îq >r ~ qh$j, IwXam, mzd g gmyz, AmB Q>r, moozm, {dîm BË m{x Ho$ Abmdm Q >ooar, H$m nm}aoq> H«o${S>Q>, [ah$dar, OmopI à~ YZd d AZwnmbZ Ho$ à^mar ^r Wo. CÝhm Zo {d{^ýz ~mos>m] - nrq>r ~ H$ Am $ B {S> m B S>moZo{e m Q>r~rHo$, ~ H$ Am $ B {S> m- V Om{Z m, H$m ZdoëW $mbz g H$m nm}aoez {b{ Q>oS> (gre $grebhm JH$m J), ~ramoamb Ý yorb S> {b{ Q>oS>, ~ramoamb eo ahmopës >J, Eg ys>r bmb $ B í moa g Am{X ~ H$ Am $ B {S> m H$m à{v{z{yëd {H$ m h. Zm lr wabr am ñdm r OÝ {V{W C «58 df Ah Vm E ~re ({dîm), OoEAmB AmB ~r, greamb AmB ~r Ed Ah Vm àmßv bmjv boimh$ma {ZXoeH$ Ho$ ê$n {Z w{³v H$m ñdê$n H$m H$mar {ZXoeH$ AZw^d lr wabr am ñdm r H$mo, {X H$s ^mav gah$ma H$s A{YgyMZm g» m 4/5(2)/2017-~rAmo-AmB Ho$ μo[ae amîq >r H $V ~ H$ (à~ YZ VWm {d{dy àmdymz) moozm, 1980 Ho$ I S> 3 Ho$ Cn-I S> (1) d I S> 8 Ho$ Cn-I S> (1) Ho$ gmw n{r>v ~ qh$j H $nzr (CnH«$ m H$m AO Z Ed A VaU) A{Y{Z, 1980 H$s Ymam 9 H$s Cn-Ymam (3) Ho$ I S> (H$) Ho$ AYrZ ^mav gah$ma Ûmam nx Ho$ A{YJ«hU H$s VmarI go {XZm H$ VH$ H$s Ad{Y Ho$ {be m A{J«AmXoem VH$ ~ H$ Ho$ H$m H$mar {ZXoeH$ Ho$ ê$n {Z w³v {H$ m J m h. lr wabr am ñdm r Zo {XZm H$ 19 $adar 2018 go {do m ~ H$ Ho$ H$m H$mar {ZXoeH$ H$m nx^ma g ^mbm h. do dm{uá ñzmvh$ h d E ~re ({dîm), OoEAmB AmB ~r, greamb AmB ~r Cnm{YàmßV Ed Ah Vm àmßv bmjv boimh$ma ^r h. lr wabr am ñdm r df 1989 {do m ~ H$ à~ YH$ Ho$ ê$n {Z w³v {H$E JE Wo Am a CÝhm Zo ^mav ^a {d{^ýz emimam, joìm Am a H$m nm}aoq> H$m m b H$B AÝ {d^mjm H$m ZoV Ëd {H$ m h. H$m H$mar {ZXoeH$ Ho$ ê$n CZH$s nxmoýz{v go nhbo, do hmà~ YH$ F$U (n[a) Ho$ gmw-gmw ~ H$ Ho$ w» {dîmr A{YH$mar ^r Wo. ~ qh$j Ho$ g^r joìm CZHo$ nmg g Õ AZw^d Am a EŠgnmoOa h. CÝhm Zo AmB S>rAma~rQ>r, EZAmB ~re g{hv ^mav d {dxoem AÝ g ñwmzm Ûmam Am mo{ov {d{^ýz à{eju, g Jmo{ð> m ^mj {b m h. 68

75 Zm lr EZ lr{zdmg amd OÝ {V{W C «49 df Ah Vm nrems>r {ZXoeH$ Ho$ ê$n {Z w{³v H$m ñdê$n gah$mar Zm{ Vr {ZXoeH$ lr EZ lr{zdmg amd H$mo, {X H$s ^mav gah$ma H$s A{YgyMZm g» m 6/3/2012- ~ramo.amb Ho$ μo[ae amîq >r H $V ~ H$ (à~ YZ VWm {d{dy àmdymz) moozm, 1970/1980 Ho$ I S> 3 Ho$ Cn-I S> (1) Ho$ gmw n{r>v ~ qh$j H $nzr (CnH«$ m H$m AO Z Ed A VaU) A{Y{Z, 1970/1980 H$s Ymam 9 H$s Cn-Ymam (3) Ho$ I S> (I) Ho$ AYrZ ^mav gah$ma Ûmam VËH$mb à^md Am a m A{J«AmXoem VH$ gah$ma Zm{ Vr {ZXoeH$ Ho$ ê$n {Z w³v {H$ m J m h. AZw^d lr EZ lr{zdmg amd AW emó ñzmvh$moîma h Am a CÝhm Zo ^mav F$U pñwavm Am a E $Ama~rE A{Y{Z S>m ŠQ>aoQ> Cnm{Y àmßv H$s h. do 1995 Am{W H$ m bm Ho$ {d^mj, {dîm Ìmb, ^mav gah$ma, ZB {Xëbr AZwg YmZ A{YH$mar Ho$ ê$n {Z w³v {H$E JE& AnZo H$[a a, CÝhm Zo {d{^ýz Am{W H$ m bm Ho$ {dh$mg, {dîmr godme {d^mj, ~r m {Z m H$ Am a {dh$mg àm{yh$au Am{X O go {d{^ýz {ZXoeH$m O go {ZXoeH$, {dîmr gbmhh$ma Am a Am{W H$ gbmhh$ma Ho$ ê$n H$m {H$ m h & dv mz CÝh ^mav gah$ma Ho$ {dîmr godme {d^mj Am{W H$ gbmhh$ma Ho$ ê$n V ZmV {H$ m J m h. Zm lr amkd Xa JwßVm OÝ {V{W C «63 df Ah Vm MmQ> S> EH$mC Q> Q> {ZXoeH$ Ho$ ê$n {Z w{³v H$m ñdê$n eo aymah$ {ZXoeH$ lr amkd Xa JwßVm H$mo, {X go ~ qh$j H $nzr (CnH«$ m H$m AO Z Ed A VaU) A{Y{Z, 1980 H$s Ymam 9(3) (i) Ho$ AYrZ eo aymah$ {ZXoeH$ Ho$ ê$n {Z w³v {H$ m J m h. AZw^d lr amkd Xa JwßVm dm{uá ñzmvh$ h VWm df 1986 go ^mavr MmQ> S> EH$mC Q> Q²g g ñwmz Ho$ EH$ gmwr gxñ h. {dîm, H$amYmZ Am a ~ H$ boim narjm Ho$ joì lr amkd Xa JwßVm H$mo 37 dfm] H$m JhZ AZw^d h. dh gg Ama d S>a JwßVm E S> Egmo{gEQ²g, ZB {Xëbr Ho$ w» ^mjrxma h, {OÝhm Zo 1980 ewéamv H$s Wr. CÝhm Zo MmQ> S> EH$mC Q> Q²g B ñq>rq>çyq> Am $ B {S> m go d ë yeez na g{q >{ $Ho$Q> H$mog àmßv {H$ m h Am a AmB greamb go ~ H$m Ho$ g dvu boim narjm na ^r nmr>çh«$ nyam {H$ m h. do g o{h$v boim narjh$m, ñq>m H$ Am {S>Q>a, amoñd boim narjh$, gm {d{yh$ emim boim narjh$ Ho$ gmw-gmw H $Ðr d Ym{ZH$ boim narjh$ Ho$ ê$n j Vm {d{^ýz gmd O{ZH$ joì Ho$ ~ H$m go Ow S>o hþe h. do d Ym{ZH$ / Am V[aH$ / g dvu boim narjh$ Am{X Ho$ ê$n j Vm {d{^ýz gmd O{ZH$ joì Ho$ CnH«$ m go ^r Ow S>o hþe h. CÝh ^mavr mzh$ ã yamo (~ramb Eg) Ho$ gmw EH$ {deofk Ho$ ê$n VWm Am H$a {d^mj Ho$ gmw EH$ {deof boim narjh$ Ho$ ê$n g ~Õ {H$ m J m h. Zm lr amoz S>moJam OÝ {V{W C «54 df Ah Vm MmQ> S> EH$mC Q> Q> 69

76 dm{f H$ [anmoq> {ZXoeH$ Ho$ ê$n {Z w{³v H$m ñdê$n AZw^d eo aymah$ {ZXoeH$ lr amoz S>moJam H$mo, {X go ~ qh$j H $nzr (CnH«$ m H$m AO Z Ed A VaU) A{Y{Z, 1980 H$s Ymam 9(3) (i) Ho$ AYrZ eo aymah$ {ZXoeH$ Ho$ ê$n {Z w³v {H$ m J m h. lr amoz S>moJam dm{uá ñzmvh$ h VWm df 1989 go ^mavr MmQ> S> EH$mC Q> Q²g g ñwmz Ho$ EH$ gmwr gxñ h. do df 1995 go {Za Va Aä mg h. lr amoz S>moJam Ho$ nmg ~ qh$j Am a Q>obrH$m Ho$ joì 27 gmb H$m EH$ emzxma AZw^d h. do Eg. Q> S>Z E S> Egmo{gEQ²g, MmQ> S> EH$mC Q> Q²g nyu H$m{bH$ ^mjrxma h. do {d{^ýz H $n{z m {ZXoeH$ h. H $n{z m, CZH$s à wi H $nzr qgh$ày gm ë ye g àmbdoq> {b{ Q>oS> h. H $nzr 2006 go ApñVËd h Am a w» ê$n go XñVmdoμO à~ YZ àum{b m g b¾ h {Og {d{^ýz Xÿag Mma godm àxmvmam Ho$ {be ^ S>maU em{ b h. H $nzr H«o${S>Q> {ZJamZr Ho$ {be {d{^ýz {ZOr joì Ho$ ~ H$m Am a EZ~rE $gr Ho$ {be EH$ AmCQ>gmog {dh«o$vm Ho$ ê$n ^r H$m H$aVr h, O go H«o${S>Q> gë mnz, XñVmdoO àg ñh$au, g J«h BË m{x. CÝhm Zo ~ S>o n mzo na mìme H$s h Am a Bggo CZHo$ d {ídh$ n[aàoú H$s PbH$ { bvr h & Zm lr {ddoh$ gmozr OÝ {V{W C «56 df Ah Vm MmQ> S> EH$mC Q> Q> {ZXoeH$ Ho$ ê$n {Z w{³v H$m ñdê$n gre lour Ho$ VhV J a A{YH$mar {ZXoeH$ lr {ddoh$ gmozr H$mo, {X H$s ^mav gah$ma H$s A{YgyMZm g» m 6/1/2015- ~ramo.amb Ho$ μo[ae amîq >r H $V ~ H$ (à~ YZ VWm {d{dy àmdymz) moozm, 1980 Ho$ I S> 9 Ho$ Cn-I S> (2) H$s X g» m (I) Ho$ gmw n{r>v ~ qh$j H $nzr (CnH«$ m H$m AO Z Ed A VaU) A{Y{Z, 1980 H$s Ymam 9 H$s Cn-Ymam (3) Ho$ I S> (N>) Ho$ AYrZ ^mav gah$ma Ûmam gre lour Ho$ VhV J a A{YH$mar {ZXoeH$ Ho$ ê$n {Z w³v {H$ m J m h. AZw^d lr {ddoh$ gmozr oar> {díd{dúmb go ñzmvh$ h VWm ^mavr MmQ> S> EH$mC Q> Q²g g ñwmz Ho$ EH$ gmwr gxñ h. do gg {ddoh$ gmozr Am a H $nzr Ho$ gh^mjr h. $ Ho$ nmg {d{^ýz amîq >r H $V Am a {ZOr ~ H$m H$s Amoa go d Ym{ZH$ emim boim narjm, g dvu boim narjm, {ZarjU boim narjm, ñq>m H$ boim narjm, C{MV n[al Am a BH$mB {ZarjU Am mo{ov H$aZo H$m AZw^d h. CZHo$ nmg ny Or Am a Zr mh}$q> Ho$ joì ì mnh$ AZw^d h, do boim narjm, {db Am a g m obz, H$m nm}aoq> nwzj R>Z, n[a moozm {dîm nmofu, H$amYmZ, H$a moozm Am a H $nzr H$mZyZ m bm {deofkvm aivo h. do {nn>bo 30 dfm] go H$m nm}aoq> Am a J a H$m nm}aoq> g ñwmam Ho$ gbmhh$ma aho h. 2.4 S>b H$s ~ R>H $ : g rjmyrz df Ho$ Xm amz, ZrMo C{ëbpIV VmarIm H$mo S>b H$s 17 ~ R>H $ hþbª, O~ {H$ amîq >r H $V ~ H$ (à~ YZ Am a {d{dy àmdymz) moozm, 1980 Ho$ I S> 12 Ho$ A VJ V Ý yzv 6 ~ R>H $ ~wbmb OmZr Wr S>b H$s Cnamo³V ~ R>H$m go, ~ H$ Zo {dîm Ìmb Ho$ nì {XZm H$ Ho$ {ZXoem Ho$ AZwê$n à wi Zr{V VWm auzr{v w³v wôm na {dmma-{d e H$aZo Ho$ {be S>b H$s 5 {deof ~ R>H$m H$m Am mooz {H$ m h. {ZXoeH$m Ho$ g ~ {YV H$m H$mb Ho$ Xm amz hþbª {deof S>b H$s ~ R>H$m CZH$s CnpñW{V Ho$ ã m ao ZrMo àñvwv h : 70

77 a 2.5 S>b H$s ~ R>H$m VWm {nn>br dm{f H$ gm mý ~ R>H$ {ZXoeH$m H$s CnpñW{V Ho$ ã m ao : H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V {nn>br dm{f H$ gm mý ~ R>H$ CnpñW{V hm / Zht/bmJy Zht 1 lr Or Zmam UZ hm 2 S>m. {H$emoa gm gr hm 3. lr Ama E e H$a Zmam UZ bmjy Zht 4. lr ~r.eg.am m amd hm 5. lr ZmJoe²da amd dmb hm 6. lr wabr am ñdm r bmjy Zht 7. lr g O Hw$ ma hm 8. lr lr{zdmg amd bmjy Zht 9. lr Or nr ~moam hm 10. lr Vr ^mavr amd hm 11. lr nr.d ÚZmWZ hm 12. lr amoz S>moJam bmjy Zht 13. lr amkd Xa JwßVm bmjy Zht 14. lr {ddoh$ gmozr bmjy Zht 15. lr E ^Jd V amd hm 16. lr dr dr Ama emór hm 17. lr Eg akwzmw Zht 3. S>b H$s g{ {V m : go~r, ^m.[a.~. Am a {dîm Ìmb H$s AnojmAm /{ZXoem Ho$ AZwê$n, S>b Zo {ZXoeH$m H$s ZrMo C{ëbpIV g{ {V m H$m JR>Z {H$ m h. o g{ {V m, CZH$mo gm no JE H$m Ho$ AYrZ AmZodmbr J{V{d{Y m na Am a {ZYm [av mj {ZX}em Ho$ AZwgma {d{eîq> d gh ${ÐV emgz àxmz H$aVr h : 1. à~ YZ g{ {V 2. boimnarjm g{ {V 3. {hvymah$ g ~ Y g{ {V 4. eo a A VaU g{ {V 5. OmopI à~ YZ g{ {V 6. CÀM yë Ho$ YmoImYS>r H$s g rjm hovw g{ {V 7. àymz H$m m b ñva H$s F$U AZw moxz g{ {V 8. {ZXoeH$m H$s nxmoýz{v g{ {V 9. AZwemg{ZH$ m bo VWm {dídgzr Vm na g rjm g{ {V 10. J«mhH$ godm g{ {V 11. nm[al{ H$ g{ {V 12. Zm m H$Z g{ {V 13. eo aymah$ {ZXoeH$m Ho$ MwZmd Cå rxdma H$mo g W Z XoZo na {ZU bozo H$s g{ {V 14. gy.àm. auzr{v g{ {V 15. dgybr H$s {ZJamZr hovw g{ {V 16. AZwemg{ZH$ àm{yh$mar Ho$ ê$n à~ Y {ZXoeH$ Ed grb Amo Ho$ A {V AmXoem Ho$ à{v H$ Mm[a m Ûmam {XE JE Anrb na {dmma H$aZo hovw g{ {V 17. EnrEAma g rjm g{ {V 71

78 dm{f H$ [anmoq> H$m nm}aoq> gm m{oh$ Xm{ Ëd g{ {V 19. BamXVZ MyH$H$Vm Am H$s g rjm g{ {V 20. mzd g gmyz g{ {V 21 {S>{OQ>b bozxoz H$s g{ {V 3.1 S>b H$s à~ YZ g{ {V : {dîm Ìmb, ^mav gah$ma Ho$ {ZXoem Ho$ gmw n{r>v amîq >r H $V ~ H$ (à~ YZ Am a {d{dy àmdymz) moozm, 1980 Ho$ I S> 13 H$m AZwgaU H$aVo hþe S>b H$s à~ YZ g{ {V H$m JR>Z {H$ m J m h. VmpËdH$ Ñ{îQ> go hëdnyu H$mamo~ma ZB O m moozme ewê$ H$aZm, gr mam H$s Oyar Mmho {Z{Y AmYm[aV hmo m J a {Z{Y AmY[aV hmo, g Pm Vm/~Å>o ImVo S>mbZo, ny OrJV Am a amoñd IM H$s Oyar, {Zdoe, XmZ g ~ Yr {d{^ýz m bm na {dmma H$aZm S>b H$s à~ YZ g{ {V Ho$ JR>Z H$m CÔoí h. g{ {V CZ A{YH$mam H$m à moj H$aVr h Omo, H $Ð gah$ma Ho$ AZw moxz go Am a ^mavr [aod ~ H$ H$s gh {V go Cgo S>b Ûmam {XE OmVo h. {XZm H$ H$mo gxñ H«$ m H$ {ZXoeH$/gXñ H$m Zm gxñ /AÜ j 1. lr Ama E e H$a Zmam UZ AÜ j 2. lr ZmJoída amd dmb gxñ 3. lr wabr am ñdm r gxñ 4. lr Or nr ~moam gxñ 5. lr E ^Jd V amd gxñ 6. lr amoz S>moJam gxñ g rjmyrz df Ho$ Xm amz, S>b H$s à~ Y g{ {V (E gr~r) H$s 14 ~ R>H $ hþbª. df Ho$ Xm amz hþbª, E gr~r H$s ~ R>H$m Ho$ ã m ao Am a {ZXoeH$ gxñ m H$s CnpñW{V Ho$ ã m ao ZrMo {XE JE h : E gr~r H$s ~ R>H$m {ZXoeH$m H$s CnpñW{V Ho$ ã m ao H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1. lr Ama E e H$a Zmam UZ * S>m. {H$emoa gm gr * lr ~r.eg.am m amd lr ZmJoída amd dmb lr wabr am ñdm r lr Or nr ~moam lr Eg akwzmw lr E ^Jd V amd lr dr dr Ama emór lr amoz S>moJam lr amkd Xa JwßVm * lr {H$emoa gm gr {XZm H$ go VH$ AÜ j Wo VWm lr Ama E e H$a Zmam UZ {XZm H$ go VH$ AÜ j aho. 72

79 3.2 {ZXoeH$m H$s boimnarjm g{ {V V ^mavr [aod ~ H$ Ho$ {ZXoem, H $nzr A{Y{Z, 2013 Ho$ àmdymzm Am a gymr ~ZmZo g ~ Yr H$amaZm m Ho$ AZwgma, S>b H$s boimnarjm g{ {V (Egr~r) H$m JR>Z {H$ m OmVm h Am a CgHo$ H$m H$mO V {H$E OmVo h. Egr~r, ~ H$ boimnarjm go g ~ {YV g~ àh$ma Ho$ H$m H$mO Ho$ g ~ Y {ZX}e XoVr h. Bg em{ b h ; ~ H$ Ho$ A Xa Am V[aH$ boimnarjm Am a {ZarjU H$m g JR>ZmË H$ Am a JwUdÎmm {Z ÌU Am a ~ H$ H$s gm {d{yh$/~mø boimnarjm VWm ^mavr [aod ~ H$ Ho$ {ZarjU H$m AZwdV Z. H $nzr Ho$ g^r gxñ m H$mo {dîm H$m AÀN>m kmz h. AÝ ~mvm Ho$ gmw-gmw boimnarjm g{ {V Ho$ H$m H$mO Bg àh$ma h : m a > ~ H$ H$s {dîmr [anmoq> à{h«$ m na {ZJamZr aizm VWm {dîmr OmZH$mar ghr, n m ßV Am a {dídgzr àh$q>z gw{z{ímv H$aZm. à~ YZ dj Ho$ gmw, {V mhr {dîmr {ddaum H$s g rjm H$aZm Am a Bg {gb{gbo BZ ~mvm na {deof ~b XoZm O go; boim Zr{V m Am a àwme, {dîmr {ddaum go g ~ {YV boim mzh$m Am a AÝ H$mZyZr AnojmAm H$m nmbz H$aZm, boimnarjm {Z{X îq> AnojmAm H$s ny{v H$aZm, {dîmr g ñwmam, g ~ {YV nmq>u Ho$ boz-xoz Am{X Ho$ ~mao eo a ~moma Ho$ mj {ZX}em Am a H$mZyZr AnojmAm H$s ny{v H$aZm. CZ m bm, Ohm YmoImYS>r H$m eh$ hmo AWdm A{Z { VVm m Am V[aH$ {Z ÌU nõ{v m H$s ZmH$m r ZOa AmE, Am V[aH$ boimnarjh$m Ûmam H$s JB Om M Ho$ {ZîH$fm] H$s g rjm H$aZm VWm {Z ÌU V Ì O~yV H$aZo Ho$ {be gwpmd XoZm. dm{f H$/AY -dm{f H$ Am a {V mhr ImVm Am a [anmoq>m] Ho$ A {V ê$n go nhbo H $Ðr gm {d{yh$ boimnarjh$m Ho$ gmw {dmma-{d e H$aZm Am a ImgH$a boim Zr{V m Am a n[anm{q> m Ed boimnarjm [anmoq> Ho$ àmê$n n[adv Zm na Img Ü mz XoZm. à~ YZ dj Ho$ gmw gm {d{yh$ d Am V[aH$ boimnarjh$m H$m H$m {ZînmXZ Am a Am V[aH$ {Z ÌU nõ{v m H$s n m ßVVm H$s g rjm, {H$gr hëdnyu {ZîH$fm] na Am V[aH$ boimnarjh$m go MMm d Cg na AZwdV Z. h g{ {V ImgH$a BZHo$ AZwdV Z na Ü mz XoVr h : H$) A Va emim g m mooz ImVo I) A Va emim ImVm Am a ZmoñQ >mo ImVm H$m $s b ~o g go { bmz Z H$s JBª à{d{îq> m J) {d{^ýz emimam ~H$m m ns>m ~{h m H$m g VwbZ H$m K) YmoImYS>r L>) Am V[aH$ boim H$m Ho$ à wi joì ~ H$ Zo, H $nzr emgz Ho$ ~w{z mxr VËdm H$s H$Ð H$aVo hþe Am a ^mavr [aod ~ H$ Ho$ {ZXoem H$m AZwgaU H$aVo hþe, S>b H$s boimnarjm g{ {V H$m JR>Z {H$ m h {Og H$m H$mar {ZXoeH$, gah$mar Zm{ Vr {ZXoeH$, ^m.[a.~ H$ Zm{ Vr {ZXoeH$ VWm J a-h$m H$mar {ZXoeH$ h. {XZm H$ H$mo gxñ H«$ m H$ {ZXoeH$/gXñ H$m Zm gxñ /AÜ j 1. lr {ddoh$ gmozr AÜ j 2. lr wabr am ñdm r gxñ 3. lr EZ lr{zdmg amd gxñ 4. lr Or nr ~moam gxñ 5. lr dr dr Ama emór gxñ 6. lr amkd Xa JwßVm gxñ 73

80 dm{f H$ [anmoq> ^m.[a.~. H$s AnojmZwgma, boimnarjm g{ {V H$s ~ R>H $ gm mý V: {V mhr H$ go H$ EH$ ~ma Am a df H$ go H$ N>: ~ma ~wbm r OmZr Mm{hE. df Ho$ Xm amz boimnarjm g{ {V H$s ZrMo C{ëbpIV VmarIm 7 ~ R>H $ hþbª Egr~r ~ R>H$m {ZXoeH$m H$s CnpñW{V Ho$ ã m ao H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1. lr Vr ^mavr amd * lr nr.d ÚZmWZ lr ~r.eg.am m amd lr wabr am ñdm r lr g O Hw$ ma lr lr{zdmg amd lr Or nr ~moam lr Eg akwzmw lr E ^Jd V amd * lr dr dr Ama emór lr amoz S>moJam lr amkdoýxa JwßVm lr {ddoh$ gmozr * * lr Vr ^mavr amd {XZm H$ go {XZm H$ VH$ AÜ j aht VWm lr ^Jd V amd {XZm H$ go {XZm H$ VH$ AÜ j ah Am a lr {ddoh$ gmozr {XZm H$ go VH$ AÜ j ah. 3.3 {hvymah$ g ~ Y g{ {V ~ H$ Zo, eo aymah$m Am a {ZdoeH$Vm Am H$s, CZHo$ {hv go OwS>o m bm na {eh$m Vm H$m {ZdmaU H$aZo Ho$ BamXo go, eo aymah$ / {ZdoeH$Vm g{ {V H$m JR>Z {H$ m h. h g{ {V, ~ H$ Ûmam Omar eo am Ho$ A VaU, àofu, eo am Ho$ {d^moz Am a g oh$z Ho$ g ~ Y eo aymah$m H$s {eh$m V VWm eo aymah$m H$s {H$gr AÝ {eh$m Vm na {ZJamZr aivr h. AmJo, h g{ {V {ZdoeH$Vm Am H$s {eh$m Vm Ho$ {ZdmaU na g ~Õ T> J go {ZJamZr aivr h. go~r (EbAmoS>rAma) A{Y{Z 2015, Ho$ {Z 6(1) Ho$ AZwgma, lr Vr Ho$ aouw, H $nzr g{md ~ H$ Ho$ AZwnmbZ A{YH$mar h. Wm H$mo gxñ : H«$ g. {ZXoeH$ / gxñ H$m Zm gxñ / AÜ j 1. lr amkdoýxa JwßVm AÜ j 2. lr ZmJoída amd dmb gxñ 3. lr wabr am ñdm r gxñ 4. lr dr dr Ama emór gxñ 5. lr amoz S>moJam gxñ 74

81 r g rjmyrz df Ho$ Xm amz, g{ {V H$s ZrMo C{ëbpIV VmarIm H$mo 4 ~ R>H $ hþbª : {hvymah$ g ~ Y g{ {V H$s ~ R>H$ {ZXoeH$m H$s CnpñW{V Ho$ ã m ao : H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1. lr nr.d ÚZmWZ * lr ~r.eg.am m amd lr ZmJoída amd dmb lr wabr am ñdm r lr Vr ^mavr amd lr dr dr Ama emór lr Eg akwzmw lr amoz S>moJam lr amkdoýxa JwßVm * *1 lr. nr. d ÚZmWZ go {XZm H$ VH$ AÜ j ah. *2 lr. amkd Xa JwßVm {XZm H$ go {XZm H$ VH$ AÜ j ah. 3.4 eo a A VaU g{ {V eo aymah$m /{ZdoeH$Vm Am H$s {eh$m Vm na {ZXoeH$m H$s Cn-g{ {V Ho$ Abmdm, ~ H$ Zo, {ZXoeH$m H$s eo a A VaU g{ {V H$m JR>Z {H$ m h {OgHo$ gxñ m Ho$ ê$n à~ Y {ZXoeH$ Ed grb Amo AWdm H$m H$mar {ZXoeH$ (à~ Y {ZXoeH$ Ed grb Amo H$s AZwnpñW{V ) Am a J a-gah$mar {ZXoeH$ h. Wm H$mo gxñ : m s H«$ g. {ZXoeH$ / gxñ H$m Zm gxñ / AÜ j 1 lr Ama E e H$a Zmam UZ AÜ j 2 lr Eg akwzmw gxñ 3 lr amoz S>moJam gxñ g rjmyrz Ad{Y Ho$ Xm amz g{ {V H$s 4 ~ R>H $ hþbª, {OZHo$ ã m ao {ZåZmZwgma h : eo a A VaU g{ {V H$s ~ R>H$ {ZXoeH$m H$s CnpñW{V Ho$ ã m ao H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1. lr Ama E e H$a Zmam UZ S>m. {H$emoa gm gr lr dr dr Ama emór lr nr.d ÚZmWZ

82 dm{f H$ [anmoq> H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 5. lr E ^Jd V amd lr Eg akwzmw lr amoz S>moJam lr amkdoýxa JwßVm S>m. {H$emoa gm gr {XZm H$ go VH$ AÜ j ah Am a lr Ama E e H$a Zmam UZ {XZm H$ go VH$ AÜ j ah OmopI à~ YZ g{ {V S>m.Jm Jwbr g{ {V H$s {g $m[aem Ho$ AZwgma, ~ H$ H$s OmopI à~ YZ Zr{V Am a EH$sH $V OmopI à~ YZ Ho$ {be auzr{v ~ZmZo d ~ H$ {d{^þ OmopI à~ YZ g{ {V m Ho$ gmw g Ýd H$aZo Ho$ {be ~ H$ Zo H$mo OmopI à~ YZ g{ {V H$m JR>Z {H$ m. AÝ ~mvm Ho$ gmw-gmw g{ {V Ho$ H$m H$mO Bg àh$ma h : 1. OmopI à~ YZ Zr{V Am a EH$sH $V OmopI à~ YZ Ho$ {be auzr{v ~ZmZm VWm ~ H$ {d{^þ OmopI à~ YZ g{ {V m Ho$ gmw g Ýd H$aZm. 2. OmopI H$mo mnzo Ho$ {be Zr{V m Am a mj {ZX}e ~ZmZm. 3. OmopI Ho$ g ñv joìm à~ YZ Am a [anmo{qª>j. 4. h gw{z{ímv H$aZm {H$ OmopI à~ YZ à{h«$ m (bmoj, nõ{v, n[ammbz, gr m Am a {Z ÌU g{hv) go ~ H$ H$s Zr{V H$s Vw{îQ> hmovr h. 5. OmopI Am H$Zo Ho$ {be {dîmr mzh$m H$mo gñt> ~ZmZm Am a BñVo mb H$s Om aht g ñv nõ{v m H$mo H$maJa ~ZmZm. Wm H$mo gxñ : H«$ g. {ZXoeH$ / gxñ H$m Zm gxñ / AÜ j 1 lr Or Zmam UZ AÜ j 2 lr Ama E e H$a Zmam UZ gxñ 3 lr ZmJoída amd dmb gxñ 4 lr wabr am ñdm r gxñ 5 lr {ddoh$ gmozr gxñ 6 lr E ^Jd V amd gxñ 7 lr amoz S>moJam gxñ 8 lr amkdoýxa JwßVm gxñ g rjmyrz Ad{Y Ho$ Xm amz g{ {V H$s 6 ~ R>H $ hþbª {OZHo$ ã m ao ZrMo {XE JE h :

83 3.5.1 OmopI à~ YZ g{ {V H$s ~ R>H$ {ZXoeH$m H$s CnpñW{V Ho$ ã m ao Þ H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1. lr Or Zmam UZ S>m. {H$emoa gm gr lr Ama E e H$a Zmam UZ lr ~r Eg am m amd lr ZmJoída amd dmb lr Vr ^mavr amd lr nr.d ÚZmWZ lr E. ^Jd V amd lr dr dr Ama emór lr {ddoh$ gmozr lr amkdoýxa JwßVm lr amoz S>moJam Cƒ yë H$s YmoImYS>r go g~ {YV m bm H$s g rjm H$aZo Ho$ {be g{ {V EH$ H$amo S>> éne d Cggo A{YH$ ah$ H$s YmoImYS>r Ho$ m bm na {ZJamZr aizo na {deof Ü mz XoZo H$s Ñ{îQ> go, ^mavr [aod ~ H$ Ho$ mj {ZX} em Ho$ AZwgma, S>b H$s g{ {V H$m JR>Z {H$ m J m h. Wm H$mo gxñ : H«$ g. {ZXoeH$ / gxñ H$m Zm gxñ / AÜ j 1 lr Or Zmam UZ AÜ j 2 lr Ama E e H$a Zmam UZ gxñ 3 lr ZmJoída amd dmb gxñ 4 lr wabr am ñdm r gxñ 5 lr EZ lr{zdmg amd gxñ 6 lr amoz S>moJam gxñ 7 lr amkdoýxa JwßVm gxñ Ad{Y Ho$ Xm amz g{ {V H$s 2 ~ R>H $ {XZm H$ Am a H$mo hþb 77

84 dm{f H$ [anmoq> CÀM yë H$s YmoImYS>r go g ~ {YV m bm H$s g rjm H$aZo Ho$ {be g{ {V H$s ~ R>H$ {ZXoeH$m H$s CnpñW{V Ho$ ã m ao H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1. lr Or Zmam UZ S>m. {H$emoa gm gr lr Ama E e H$a Zmam UZ lr wabr am mñdm r lr ~r Eg am m amd lr ZmJoída amd dmb lr g O Hw$ ma lr lr{zdmg amd lr E ^Jd V amd lr dr dr Ama emór S>m. {H$emoa gm gr {XZm H$ go VH$ AÜ j Wo Am a lr Ama E e H$a Zmam UZ {XZm H$ go VH$ AÜ j ah. 3.7 àymz H$m m b ñva H$s F$U AZw moxz g{ {V (EMEbgrgr) : ^mav gah$ma Ûmam ào{fv nì g.13/1/2006-~r.amo.i {XZm H$ Ho$ μo[ae Omar {ZX}e Ho$ AZwgma {X H$mo hþb ~ R>H$ {ZXoeH$ S>b Zo S>b H$s F$U AZw moxz g{ {V Ho$ JR>Z H$m AZw moxz {H$ m h. C³V A{YgyMZm Ho$ AZwgma, `3.00 bmi H$amo S>> m Cggo Á mxm H$mamo~madmbo dj "H$' Ho$ ~ H$m Ho$ m bo ` H$amo S>> VH$ VWm AÝ amîq >r H $V ~ H$m Ho$ m bo ` H$amo S>> VH$ Ho$ F$U àñvmdm H$s Oyar Ho$ g ~ Y g{ {V S>b Ho$ A{YH$mam H$m à moj H$aoJr. à~ Y {ZXoeH$ Ed grb Amo g{hv ~ H$ Ho$ A{YH$m[a m Ho$ àë m mo{ov A{YH$mam go A{YH$ F$U àñvmdm H$mo g{ {V Ho$ g j AZw moxz hovw àñvwv {H$ m OmEJm. Bg gr m go A{YH$ F$U àñvmdm H$mo nhbo H$s Vah {ZXoeH$ S>b H$s à~ YZ g{ {V Ho$ g j Oyar hovw àñvwv {H$ m OmEJm. F$U àñvmdm H$mo Oya H$aZo Ho$ Abmdm ({Z{Y d J a-{z{y AmYm[aV) `4.00 H$amo S>> VH$ Ho$ F$U g Pm Vm/~Å>o ImVo S>mbZo Ho$ àñvmdm (YmoImYS>r Ho$ m bm H$mo N>moS>H$a Omo {H$ nhbo O gm S>b H$s à~ YZ g{ {V Ho$ g j àñvwv {H$E OmE Jo) H$mo ^r g{ {V Ho$ g j àñvwv {H$ m OmEJm. Wm H$mo gxñ : H«$ g. {ZXoeH$ / gxñ H$m Zm gxñ / AÜ j 1 lr Ama E e H$a Zmam UZ AÜ j 2 lr ZmJoída amd dmb gxñ 3 lr wabr am ñdm r gxñ 4 lr {gdæ m Ho$ ( hm à~ YH$ -F$U d H $bo{d) gxñ 5 lr gw~«v Hw$ ma ( hm à~ YH$-OmopI à~ YZ) gxñ df Ho$ Xm amz EMEbgrgr H$s 22 ~ R>H $ {ZåZ{bpIV VmarIm Am mo{ov hþb :

85 3.7.1 EMEbgrgr ~ R>H$m gxñ m H$s CnpñW{V Ho$ ã m ao : H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1. lr Ama E e H$a Zmam UZ* S>m. {H$emoa gm gr* lr ~r Eg am m amd lr ZmJoída amd dmb lr wabr am ñdm r hm à~ YH$-F$U (n) d hm à~ YH$ (boim) 6. lr {gdæ m hm à~ YH$ - F$U (n) lr OJZ mohz hm à~ YH$ - Omo à {d lr gw~«v Hw$ ma hm à~ YH$ - Omo à {d lr Vr Jm Ìr Xodr Q>r Eg hm à~ YH$- F$U (n) Cn w ³V Ho$ Abmdm, O~ H$^r Amdí H$ hmo F$U (IwXam d E EgE B ), F$U (àmw{ H$Vm) VWm F$U (g d d) go g ~ {YV hm à~ YH$ CZHo$ g ~ {YV àñvmdm Ho$ {be CnpñWV Wo. U V h V *S>m. {H$emoa gm gr {XZm H$ go VH$ AÜ j ah Am a *lr Ama E e H$a Zmam UZ {XZm H$ go VH$ AÜ j ah. 3.8 AZwemg{ZH$ m bo VWm {dídgzr Vm na g rjm g{ {V Bg g{ {V H$m JR>Z {ZåZ{bpIVm H$s {ZJamZr hovw {H$ m J m : H$. gvh $Vm AZwemg{ZH$ m bo VWm {d^mjr Om M I. J a-gvh $Vm AZwemg{ZH$ m bo J. A{YH$mar godm {d{z m Ho$ {d{z 19(2) Ho$ AYrZ g rjm Wm H$mo gxñ : H«$ g. {ZXoeH$ / gxñ H$m Zm gxñ / AÜ j 1 lr Ama E e H$a Zmam UZ AÜ j 2 lr ZmJoída amd dmb gxñ 3 lr wabr am ñdm r gxñ 4 lr EZ lr{zdmg amd gxñ 5 lr Or nr ~moam gxñ g rjmyrz Ad{Y Ho$ Xm amz g{ {V H$s 4 ~ R>H $ hþbª {OZHo$ ã m ao ZrMo {XE JE h :

86 dm{f H$ [anmoq> AZwemg{ZH$ m bo VWm B mzxmar na g rjm g{ {V H$s ~ R>H$ {ZXoeH$m H$s CnpñW{V Ho$ ã m ao H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1. lr Ama E e H$a Zmam UZ* S>m.{H$emoa gm gr* lr ~r Eg am m amd lr ZmJoída amd dmb lr g O Hw$ ma lr EZ lr{zdmg amd lr Or nr ~moam *S>m. {H$emoa gm gr {XZm H$ go VH$ AÜ j ah Am a *lr Ama E e H$a Zmam UZ {XZm H$ go VH$ AÜ j ah. 3.9 {ZXoeH$m H$s nxmoýz{v g{ {V g{ {V H$m JR>Z C.H$m.lo.do. VI go C.H$m.lo.do. VII nxmoýz{v IV d.à.lo.do. IV d Cggo D$na Ho$ nxmoýz{v Ho$ g ~ Y Anrb na {ZJamZr hovw {H$ m J m. Wm H$mo gxñ : H«$ g. {ZXoeH$ / gxñ H$m Zm gxñ / AÜ j 1 lr Ama E e H$a Zmam UZ AÜ j 2 lr Or nr ~moam gxñ 3 lr Eg akwzmw gxñ g{ {V {ZåZ{bpIV gxñ em{ b h : à~ Y {ZXoeH$ Ed grb Amo ^m.[a.~. Zm{ {V {ZXoeH$ > EH$ A eh$m{bh$ J a-a{yh$mar {ZXoeH$ g{ {V H$s Xmo ~ R>H$ {XZm H$ Ed H$mo hþb J«mhH$ godm g{ {V ^mavr [aod ~ H$ Ho$ {ZXoem H$m AZwgaU H$aVo hþe, S>b Zo, ZrMo C{ëbpIV gxñ m Ho$ gmw {XZm H$ H$mo J«mhH$ godm g{ {V H$m JR>Z {H$ m. S>b H$s J«mhH$ godm g{ {V go Anojm H$s OmVr h {H$ dh : 1. J«mhH$ godmam na à{h«$ mam Am a {ZînmXZ boimnarjm Ho$ ~mao ~ H$ H$s VXW g{ {V Ho$ H$m H$mO na {ZJamZr ai. 2. ì mnh$ O m Zr{V ~ZmE Am a Cg Bg Vah Ho$ m bo OmoS > O go; O mh$vm H$s Ë w hmozo na CgH$m ImVm MbmZo H$s ar{v, CËnmX AZw moxz à{h«$ m, O mh$vm Am H$s g Vw{îQ> H$m dm{f H$ gd}ju Am a BZ godmam H$s VrZ df EH$ ~ma boimnarjm. 3. J«mhH$ godm H$s JwUdÎmm ~T>mZo Ho$ {be ZdmoÝ ofr Cnm H$aZm Am a 4. h oem g~ àh$ma Ho$ J«mhH$m H$s g Vw{îQ> gwyma bmzm. 80

87 Wm H$mo gxñ : H«$ g. {ZXoeH$ / gxñ H$m Zm gxñ / AÜ j 1 lr Ama E e H$a Zmam UZ* AÜ j 2 lr ZmJoída amd dmb * gxñ 3 lr wabr am ñdm r gxñ 4 lr {ddoh$ gmozr gxñ 5 lr dr dr Ama emór gxñ 6 lr amoz S>moJam gxñ 7 lr Ho$ Omog Ooåg ( J«mhH$ Ho$ à{v{z{y) gxñ g rjmyrz Ad{Y Ho$ Xm amz g{ {V H$s 4 ~ R>H $ hþb : J«mhH$ godm g{ {V H$s ~ R>H$ {ZXoeH$m H$s CnpñW{V g ~ Yr ã moao H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1. lr Ama E e H$a Zmam UZ* S>m. {H$emoa gm gr* lr ~r Eg am m amd lr ZmJoída amd dmb lr wabr am ñdm r lr E ^Jd V amd lr dr dr Ama emór lr Eg akwzmw lr amoz S>moJam lr {ddoh$ gmozr *S>m. {H$emoa gm gr {XZm H$ go VH$ AÜ j ah Am a *lr Ama E e H$a Zmam UZ {XZm H$ go VH$ AÜ j ah nm[al{ H$ g{ {V Z ^mav gah$ma Ho$ mj {ZX}em Ho$ AZwgma {ZXoeH$m H$mo nm[al{ H$ {X m OmVm h. {X Ho$ ^mav gah$ma Ho$ nìm H$ E $.g.20/1/2005- ~ramo.1 Ho$ AZwgma ~ H$ Ho$ {ZXoeH$ S>b Zo {X H$mo nm[al{ H$ g{ {V H$m JR>Z {H$ m h. h g{ {V ~ H$ Ho$ nyu H$m{bH$ {ZXoeH$ AWm V à~ Y {ZXoeH$ Ed grb Amo d H$m H$mar {ZXoeH$ Ho$ {ZînmXZ AmYm[aV àmoëgmhz Ho$ yë m H$Z VWm g JV df Ho$ Wm 31 mm H$mo nmì àmoëgmhz XoZo hovw J{R>V H$s J r h. 81

88 dm{f H$ [anmoq> Wm H$mo gxñ : H«$ g. {ZXoeH$ / gxñ H$m Zm gxñ / AÜ j 1 lr Or Zmam UZ AÜ j 2 lr EZ lr{zdmg amd gxñ 3 lr Or nr ~moam gxñ 4 lr {ddoh$ gmozr gxñ Ad{Y Ho$ Xm amz g{ {V H$s ~ R>H$ {XZm H$ H$mo hþbª nm[al{ H$ g{ {V H$s ~ R>H$ {ZXoeH$m H$s CnpñW{V g ~ Yr ã moao H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1 lr Or Zmam UZ lr g O Hw$ ma lr Or nr ~moam lr amkdoýxa JwßVm df Ho$ Xm amz, à~ Y {ZXoeH$ Ed grb Amo Am a H$m H$mar {ZXoeH$m H$mo {XE JE nm[al{ H$ Ho$ ã m ao ZrMo àñvwv h : {ddau S>m. {H$emoa gm gr lr Ama E e H$a lr ~r.eg.am m amd lr ZmJoída amd dmb lr wabr am ñdm r Zmam UZ (à.{z. Ed grb Amo) (à{z Ed wh$ma) (H$m.{Z.) (H$m.{Z.) (H$m.{Z.) dovz godm{zd {Îm na gm.nw> ZH$XrH$aU ^Îmo ^.{Z. na A exmz AÝ - {ZînmXZ OwS>m hþam àmoëgmhz AÝ - Nw>.{H$.[a AÝ - {M{H$Ëgm AÝ AZwbm^ Hw$b ñq>m H$ {dh$ën J a-h$m nmbh$ {ZXoeH$m H$mo ^mav gah$ma Ho$ {ZX}emZwgma S>b/g{ {V H$s ~ R>H$m ^mj bozo Ho$ {be ~ R>H$ ewëh$, mìm d {dam ì H$mo N>moS>μH$a H$moB nm[al{ H$ Zht {X m Om ahm h. ^mav gah$ma Ho$ {ZXoemZwgma ~ R>H$ ewëh$ H$m ^wjvmz {H$ m OmVm h. 82

89 {dîmr df Ho$ {be J a-h$m H$mar {ZXoeH$m H$mo AXÎm Hw$b ~ R>H$ ewëh$ {ZåZmZwgma h : m J a-h$m H$mar {ZXoeH$ H$m Zm àxîm ~ R>H$ ewëh$ (`) lr Or Zmam UZ lr nr d ÚZmWZ lr Vr ^mavr amd lr E ^Jd V amd lr dr dr Ama emór lr Eg akwzmw lr amoz S>moJam lr amkdoýxa JwßVm lr {ddoh$ gmozr Hw$b Zm m H$Z g{ {V ^mavr [aμod ~ H$ Ho$ {XZm H$ Ho$ nì g S>r~rAmoS>r.g ~rgr.47/ / {XE JE {ZXoemZwgma ~ H$H$mar H $nzr (CnH«$ m H$m AO Z d A VaU) A{Y{Z 1980 H$s Ymam 9 (3) (i) Ho$ VhV g à{v MwZo JE {ZXoeH$m /{ZXoeH$m Ho$ ê$n MwZo OmZodmbo ì {³V m H$s "Cn w³v d C{MV pñw{v' AÜ dgm r go {ZYm [av H$aZo Ho$ {be S>b H$s Zm m H$Z g{ {V {XZm H$ H$mo J{R>V H$s J r. g{ {V gxñ Ho$ ê$n VrZ {ZXoeH$ h. Wm H$mo gxñ : H«$ g. {ZXoeH$ / gxñ H$m Zm gxñ / AÜ j 1 lr Or Zmam UZ AÜ j 2 lr EZ lr{zdmg amd gxñ 3 lr E ^Jd V amd gxñ g rjmyrz Ad{Y Ho$ Xm amz {XZm H$ Am a H$mo Xmo ~ma g{ {V H$s ~ R>H$ hþb VWm h nm m J m {H$ MwZo OmZo dmbo {ZXoeH$ ^mavr [aμod ~ H$ Ûmam {d{z{x îq> mzx S> AZwgma "Cn w³v d C{MV' h Zm{ Vr g{ {V H$s ~ R>H$ {ZXoeH$m H$s CnpñW{V Ho$ ã m ao H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1. lr Or Zmam UZ lr g O Hw$ ma lr dr dr Ama emór gmd O{ZH$ joì Ho$ ~ H$m, {dîmr g ñwmam VWm gmd O{ZH$ joì Ho$ ~r m H $n{z m eo aymah$ {ZXoeH$m Ho$ MwZmd Cå rxdma H$mo g W Z XoZo na {ZU bozo H$s g{ {V ^mav gah$ma, {dîm Ìmb Ho$ {ZXoem Ho$ AZwê$n {X H$mo Am mo{ov ~ R>H$ S>b Zo eo aymah$ {ZXoeH$m Ho$ MwZmd Cå rxdma H$mo g W Z XoZo na {ZU bozo H$s g{ {V Ho$ JR>Z H$m AZw moxz {X m, Ohm ~ H$ Zo BZ H $n{z m Ho$ eo am {Zdoe {H$ m h. 83

90 dm{f H$ [anmoq> {XZm H$ Ho$ gxñ H«$ g {ZXoeH$/ gxñ H$m Zm gxñ / AÜ j 1. lr Ama E e H$a Zmam UZ AÜ j 2. lr ZmJoída amd dmb gxñ 3. lr wabr am ñdm r gxñ 4. lr Eg akwzmw gxñ g{ {V Ho$ {ZåZ{bpIV gxñ h : 1. à~ Y {ZXoeH$ Ed grb Amo - g{ {V Ho$ AÜ j 2. H$m H$mar {ZXoeH$ - gxñ 3. EH$ J a-a{yh$mar {ZXoeH$ - gxñ df Ho$ Xm amz Eogr H$moB KQ>Zm Z hmozo Ho$ H$maU, g{ {V H$s ~ R>H$ Zht hþb gy.àm. auzr{v g{ {V : ^m.[a.~. Ûmam Omar mj {ZX}em VWm ^m.~.g. H$s {g $m[aem Ho$ AZwgma, {ZXoeH$ S>b Zo {X H$mo AnZr ~ R>H$, gy.àm. H$m Zr{V g{ {V H$m JR>Z {H$ m, {Og ~mø VH$ZrH$s {deofk {deof A{V{W h. AÝ ~mvm Ho$ gmw-gmw gy.àm. H$m Zr{V g{ {V Ho$ H$m H$m T>m Mm {ZåZmZwgma h : 1. gy.àm. na ~ H$ H$mo auzr{vh$ {ZX}e XoZm VWm S>b H$s Amoa go gy.àm. {Zdoem H$s g rjm H$aZm. 2. gy.àm. auzr{v VWm Zr{V XñVmdoOm H$m AZw moxz H$aZm VWm H$mamo~ma auzr{v H$mo gy.àm. auzr{v Ho$ gmw g aoiz gw{z{ímv H$aZm. 3. h nvm bjmzm {H$ à~ YZ Ûmam CZ à{h«$ m VWm àum{b m H$m H$m m Ýd Z {H$ m J m h Omo gw{z{ímv H$aVm h {H$ gy.àm. H$mamo~ma yë àxmz H$aVm h. 4. auzr{vh$ bú m H$s àm{ßv hovw gy.àm. g gmyz H$mo nhmmzzo Ho$ {be à~ YZ Ûmam à moj bm r J r àumbr H$mo m {ZQ>a H$aZm VWm gy.àm. g gmyz CnbãY H$amZo d à moj H$aZo g ~ Yr CÀM ñvar {ZX}e XoZm. 5. gy.àm. H$m m Ýd Z gy.àm. OmopI d à~ YZ Ho$ {ZînmXZ H$m à~ YZ Ûmam m{zq>[a J H$s à^m{dvm H$m yë m H$Z H$aZm. 6. OmopI g ~ Yr CÀM ñvar Zr{V mj {ZX}e Omar H$aZr- H$aZm {XZm H$ Ho$ gxñ H«$ g {ZXoeH$/ gxñ H$m Zm gxñ / AÜ j 1. lr Or Zmam UZ AÜ j 2. lr ZmJoída amd dmb gxñ 3. lr wabr am ñdm r gxñ 4. lr {ddoh$ gmozr gxñ 5. lr dr dr Ama emór gxñ 6. lr E.^Jd V amd gxñ 7. lr Eg akwzmw gxñ 84

91 df Ho$ Xm amz g{ {V H$s 5 ~ R>H $ hþb : V {ZXoeH$m Ho$ Abmdm h mao nmg gy.àm. {deofk gxñ Ho$ ê$n h VWm EH$ ~ R>H$ Ho$ {be JUny{V hovw EH$ gy.àm. {deofk H$s CnpñW{V A{Zdm V Amdí H$ h gy.àm. auzr{v g{ {V H$s ~ R>H$ {ZXoeH$m H$s CnpñW{V Ho$ ã m ao : H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1 lr Or Zmam UZ lr Vr ^mavr amd lr ~r Eg am m amd lr ZmJoída amd dmb lr wabr am ñdm r lr dr dr Ama emór lr E ^Jd V amd lr Eg akwzmw lr amoz S>moJ«m lr {ddoh$ gmozr dgybr {ZJamZr hovw g{ {V {dîm Ìmb Ho$ {X Ho$ nì AZwê$n S>b Ûmam dgybr H$s {ZJamZr hovw g{ {V H$m JR>Z {H$ m J m h, Omo gm mý V m EZnrE VWm {deofv: `1 H$amo S>> m Cggo A{YH$ CÀM yë ImVm H$s dgybr/à~ YZ H$s àj{v H$s g rjm/{zjamzr H$aoJr. {XZm H$ Ho$ gxñ H«$ g {ZXoeH$/ gxñ H$m Zm gxñ / AÜ j 1. lr Ama E e H$a Zmam UZ AÜ j 2. lr ZmJoída amd dmb gxñ 3. lr wabr am ñdm r gxñ 4. lr EZ lr{zdmg amd gxñ 5. lr Eg akwzmw gxñ g rjmyrz Ad{Y Ho$ Xm amz g{ {V 7 ~ma { br {OgH$m {ddau {ZåZmZwgma h : dgybr {ZJamZr hovw g{ {V H$s ~ R>H$ {ZXoeH$m H$s CnpñW{V Ho$ ã m ao H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1. lr Ama E e H$a Zmam UZ* S>m. {H$emoa gm gr* lr ~r.eg.am m amd lr ZmJoída amd dmb

92 dm{f H$ [anmoq> lr wabr am ñdm r lr g O Hw$ ma lr EZ lr{zdmg amd lr dr dr Ama emór lr Eg akwzmw *S>m. {H$emoa gm gr {XZm H$ go VH$ AÜ j Wo Am a *lr Ama E e H$a Zmam UZ {XZm H$ go VH$ AÜ j h AZwemg{ZH$ àm{yh$mar Ho$ ê$n à~ Y {ZXoeH$ E d grb Amo Ho$ A {V AmXoem Ho$ à{v H$ Mm[a m Ûmam {XE JE Anrb na {dmma H$aZo hovw g{ {V H$ Mm[a m Ho$ {hv H$s g ajm hovw àemg{zh$ àm{yh$mar Ho$ ê$n à~ Y {ZXoeH$ Ed grb Amo Ho$ A {V AmXoem Ho$ à{v H$ Mmar Ûmam {XE JE Anrb na {dmma H$aZo hovw {XZm H$ H$mo g{ {V H$m JR>Z {H$ m J m. ^mav gah$ma Ho$ Zm{ {V {ZXoeH$, ^m.[a.~. Ho$ Zm{ {V {ZXoeH$ VWm J a-h$m H$mar {ZXoeH$ ( S>b H$s boimnarjm g{ {V Ho$ AÜ j) g{ {V Ho$ gxñ h. {XZm H$ Ho$ gxñ H«$ g {ZXoeH$/ gxñ H$m Zm gxñ / AÜ j 1. lr EZ lr{zdmg amd AÜ j 2. lr Or.nr. ~moamh gxñ 3. lr {ddoh$ gmozr gxñ df Ho$ Xm amz Eogr H$moB Anrb Z hmozo Ho$ H$maU, g{ {V H$s ~ R>H$ Zht hþb dm{f H$ {ZînmXZ yë m H$Z (EnrEAma) g rjm g{ {V : C.H$m.lo.do.-VII Ho$ H$m nmbh$m H$s dm{f H$ {ZînmXZ yë m H$Z [anmoq>m] (EnrEAma) H$s g rjm/aoqq>j Ho$ CÝZ Z Ho$ {be {XZm H$ H$mo EH$ g{ {V ~Zm r J r {Ogo H$mo nwzj {R>V {H$ m J m. {XZm H$ Ho$ gxñ H«$ g {ZXoeH$/ gxñ H$m Zm gxñ / AÜ j 1. lr Ama E e H$a Zmam UZ AÜ j 2. lr EZ lr{zdmg amd gxñ 3. lr dr dr Ama emór gxñ df Ho$ Xm amz Eogr H$moB m bm Z hmozo Ho$ H$maU, g{ {V H$s ~ R>H$ Zht hþb H$m nm}aoq> gm m{oh$ Xm{ Ëd g{ {V : {nn>bo Hw$N> dfm] go {do m ~ H$ Zo g mo Ho$ Aëngw{dYmàmßV VWm Cno{jV joìm Ho$ OrdZ na XrK H$m{bH$ à^md bmzo Ho$ {be ñd pàn>h$ AmYma na H$B gregama nhb br h. ~ H$ R>mog gregama Zr{V m OyX h VWm amîq >r hëd Ho$ Hw$N>oH$ à wi joì O go ~m{bh$m {ejm, J«m ru ñdmñï, ñdàn>vm, gwa{jv no Ob H$s gw{dym CnbãY H$amZm, E ã yb g / dmhzm H$m XmZ, {nn>s>o joìm ñhy$bm / H$m boom H$mo AmYma^yV ghm Vm XoZm, n m dau g aju, àmh ${VH$ AmnXmAm Ho$ g {dîmr ghm Vm àxmz H$aZm VWm AÝ nhb na à{v df Ü mz H ${ÐV H$aVo hþe gregama J{V{d{Y m H$m Xm{ Ëd bozo Ho$ {be ZŠem V ma aim h. ~ H$ Zo J«m ru, {nn>s>o VWm XÿaXamO joìm yb^yv {dh$mg hovw An[a{ V mojxmz {X m h. ~ H$ Ûmam gregama na X{E Om aho A{YH$V hëd {nn>bo dfm] ~ H$ Ûmam gregama J{V{d{Y m H$s ~T>Vr g» m, àmma VWm H$m joì go {d{xv h. 86

93 w Annual Report {XZm H$ Ho$ gxñ a m g H«$ g {ZXoeH$/ gxñ H$m Zm gxñ / AÜ j 1. lr Ama E e H$a Zmam UZ AÜ j 2. lr ZmJoída amd dmb gxñ 3. lr wabr am ñdm r gxñ 4. lr Eg akwzmw gxñ 5. lr amkdoýð JwßVm gxñ H$m nm}aoq> gm m{oh$ Xm{ Ëdm Ho$ H$m joì H$mo gah$mar {Xem{ZXoem Ho$ AZwê$n {dñvm[av H$aZo Ho$ {be {XZm H$ H$mo g{ {V H$m JR>Z {H$ m J m. Ad{Y Ho$ Xm amz g{ {V H$s 4 ~ R>H $ {ZåZmZwgma hþb : H$m nm}aoq> gm m{oh$ Xm{ Ëd g{ {V H$s ~ R>H$ CnpñW{V Ho$ ã m ao : H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1. lr Ama E e H$a Zmam UZ* S>m. {H$emoa gm gr* lr ~r.eg.am m amd lr ZmJoída amd dmb lr wabr am ñdm r lr Vr ^mavr amd lr.nr d ÚZmWZ lr E ^Jd V amd lr Eg akwzmw lr. amoz S>moJ«m lr amkdoýð JwßVm *S>m. {H$emoa gm gr {XZm H$ go VH$ AÜ j Wo Am a *lr Ama E e H$a Zmam UZ {XZm H$ go VH$ AÜ j h BamXVZ MyH$H$Vm Am H$s g rjm g{ {V : BamXVZ MyH$H$Vm Ho$ ê$n nhmm{zv CYmaH$Vm Am H$s {eh$m Vm H$s g rjm H$aZo hovw ^mavr [aod ~ H$ Ho$ mñq>a n[anì Ama~rAmB / /73 {XZm H$ Ho$ {Xem{ZX}em Ho$ AZwgma H$mo g{ {V H$m JR>Z {H$ m J m. g{ {V H$m AÜ j, à~ Y {ZXoeH$ Ed grb Amo h VWm Xmo J a-h$m H$mar {ZXoeH$ BgHo$ gxñ h. {XZm H$ Ho$ gxñ H«$ g {ZXoeH$/ gxñ H$m Zm gxñ / AÜ j 1. lr Ama E e H$a Zmam UZ AÜ j 2. lr E ^Jd V amd gxñ 3. lr. amoz S>moJ«m gxñ 87

94 dm{f H$ [anmoq> Ad{Y Ho$ Xm amz g{ {V H$s 3 ~ R>H $ {ZåZmZwgma hþb : BamXVZ MyH$H$Vm Am H$s g rjm g{ {V H$s ~ R>H$ CnpñW{V Ho$ ã m ao : H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1 lr Ama E e H$a Zmam UZ* S>m. {H$emoa gm gr* lr E ^Jd V amd lr dr dr Ama emór lr Eg akwzmw lr.amoz S>moJ«m *S>m. {H$emoa gm gr {XZm H$ go VH$ AÜ j Wo Am a *lr Ama E e H$a Zmam UZ {XZm H$ go VH$ AÜ j h mzd g gmyz g{ {V : à wi mzd g gmyz g ~ Yr g ñ mam Ho$ g mymz hovw {XZm H$ H$mo g{ {V H$m JR>Z {H$ m J m. g{ {V Ho$ H$m joì {ZåZmZwgma h : 1) ~ H$ Ûmam {ZYm [av bú m Ho$ gmw-gmw l e{³v moozm H$m {dícofu H$aZm 2) à{eju gbmhh$ma g{ {V Ûmam AZw mo{xv/{g $m[ae {H$E JE AZwgma H$m H$mar / j Vm {dh$mg H$m H«$ VWm à{eju H$m H«$ m H$m {dícofu, g rjm VWm {ZJamZr H$aZm 3) g JR>Z H$s g $bvm hovw H$ Mmar H$m H$s nhb H$s g rjm VWm AmH${f V H$aZm 4) ñq>m $ g gmyz àd {Îm m Am a mzd g gmyz o{q >Šg H$s g rjm H$aZm 5) {d{^ýz mzd g gmyz Zr{V m Ed CÎmam{YH$ma moozm na ~ H$ H$mo mjxe Z XoZm 6) g g na nhmm{zv AÝ H$moB g ~ {YV m bo AWdm S>b Ûmam nam em Zwgma g{ {V AÜ j, à~ Y {ZXoeH$ Ed grb Amo, H$m H$mar {ZXoeH$ VWm AÝ J a A{YH$mar {ZXoeH$ h. {XZm H$ Ho$ gxñ H«$ g {ZXoeH$/ gxñ H$m Zm gxñ / AÜ j 1. lr Or Zmam UZ AÜ j 2. lr Ama.E e H$a Zmam UZ gxñ 3. lr ZmJoída amd dmb gxñ 4. lr wabr am ñdm r gxñ 5. lr. {ddoh$ gmozr gxñ 6. lr E ^Jd V amd gxñ 7. lr amkdoýð JwßVm gxñ Ad{Y Ho$ Xm amz g{ {V H$s 4 ~ R>H $ {ZåZmZwgma hþb :

95 mzd g gmyz g{ {V H$s ~ R>H$ CnpñW{V Ho$ ã m ao : H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1 lr Or Zmam UZ* lr Ama.E e H$a Zmam UZ* S>m. {H$emoa gm gr lr ~r.eg.am m amd lr ZmJoída amd dmb lr wabr am ñdm r lr Vr ^mavr amd lr E ^Jd V amd lr Eg akwzmw lr dr dr Ama emór lr.amoz S>moJ«m lr amkdoýð JwßVm lr. {ddoh$ gmozr *S>m. {H$emoa gm gr {XZm H$ go VH$ AÜ j Wo Am a *lr Ama E e H$a Zmam UZ {XZm H$ go VH$ AÜ j h {S>{OQ>b bozxoz na g{ {V {dîmr godmam {d^mj, ^mav gah$ma Ûmam {XZm H$ àmßv g X^ E $ g 8/08/2015-~rAmoE Ho$ O[aE g{ {V H$m JR>Z {H$ m J m. g{ {V H$m JR>Z ~ H$ {S>{OQ>b bozxoz H$s àj{v H$s {ZJamZr Ho$ {be {H$ m J m Wm. {XZm H$ Ho$ gxñ H«$ g {ZXoeH$/ gxñ H$m Zm gxñ / AÜ j 1. lr Ama.E e H$a Zmam UZ AÜ j 2. lr ZmJoída amd dmb gxñ 3. lr wabr am ñdm r gxñ 4. lr E ^Jd V amd gxñ 5. lr dr dr Ama emór gxñ 6. lr amkdoýð JwßVm gxñ g{ {V Zo {XZm H$ Ad{Y Ho$ Xm amz 1 ~ma ~ R>H$ H$s {S>{OQ>b bozxoz na g{ {V H$s CnpñW{V H$m {ddau H«$ g. {ZXoeH$ H$m Zm Ad{Y BZHo$ H$m H$mb Ho$ Xm amz Am mo{ov ~ R>H $ H$m H$mb Ho$ Xm amz ~ R>H$m CnpñW{V 1 lr Ama.E e H$a Zmam UZ lr ZmJoída amd dmb lr wabr am ñdm r lr E ^Jd V amd lr dr dr Ama emór lr Eg akwzmw

96 dm{f H$ [anmoq> Wm H$mo J a H$m H$mar/eo aymah$ {ZXoeH$m Ho$ eo aymau Ho$ {ddau H«$ g {ZXoeH$ H$m Zm Ym[aV eo am H$s g» m 1. lr Or Zmam UZ, J a-h$m H$mar AÜ j Hw$N> Zht 2. lr E ^Jd V amd, J a A{YH$mar {ZXoeH$ Hw$N> Zht 3. lr dr dr Ama emór, J a A{YH$mar {ZXoeH$ Hw$N> Zht 4. lr Eg akwzmw, J a A{YH$mar {ZXoeH$ Hw$N> Zht 5. lr.amoz S>moJ«m eo a YmaH$ {ZXoeH$ lr amkdoýð JwßVm eo a YmaH$ {ZXoeH$ lr. {ddoh$ gmozr J a A{YH$mar {ZXoeH$ Hw$N> Zht 5. AmMma g {hvm ~ H$, ^mavr à{v^y{v Am a {d{z ~mos> (EbAmoS>rAma) {d{z Z {ZYm [av AmMma g {hvm H$m nmbz H$a ahm h. VXZwgma, g^r {ZXoeH$m /CÀM à~ YZ H$m nmbh$m go dm{f H$ AmYma na CgHo$ AZwnmbZ g ~ Yr nwîq>rh$au àmßv H$s OmVr h. AmMma g {hvm ~ H$ H$s do~gmbq> Xr J r h. 6. gm mý ~ R>H$ {nn>br VrZ dm{f H$ / AgmYmaU gm Ý ~ R>H$m Ho$ {ddau {ZåZmZwgma àñvwv h : {deof g H$ën {XZm H$ g ñwmz wëh$s gw Xa am eoå>r g^mj h, {do m ~ H$, E.Or.amoS>, ~ Jbya 15dt dm.gm.~. hm gw~h ~Oo 16dt dm.gm.~. hm gw~h ~Oo 17dt dm.gm.~. hm gw~h ~Oo gìhdr dm{f H$ gm mý ~ R>H$ Ho$ Xm amz {ZåZ{bpIV {ZXoeH$ CnpñWV Wo. Bg ~ R>H$ ny Or OwQ>mZo H$s moozm na EH$ {deof g H$ën nm[av {H$ m J m. 1. lr Or Zmam UZ - AÜ j 2. S>m. {H$emoa gm gr - à~ Y {ZXoeH$ Ed grb Amo 3. lr ~r.eg.am m amd - H$m H$mar {ZXoeH$ 4. lr. ZmJoídaamd dmb - H$m H$mar {ZXoeH$ 5. lr. g O Hw$ ma - gah$mar Zm{ Vr {ZXoeH$ 6. lr Or.nr.~moamh - ^m.[a.~. Zm{ Vr {ZXoeH$ 7. lr E ^Jd V amd - J a - A{YH$mar {ZXoeH$ 8. lr dr dr Ama emór - J a - A{YH$mar {ZXoeH$ 9. lr Vr ^mavr amd - eo aymah$ {ZXoeH$ VWm S>b Ho$ boimnarjm 10. lr nr.d ÚZmWZ - eo a YmaH$ {ZXoeH$ lr AéU Hw$ ma, Ada g{md(h$ë mu), {dîm Ìmb, ^mav gah$ma ^r àojh$ Ho$ ê$n ^mav gah$ma H$m à{v{z{yëd H$aVo hþe ~ R>H$ CnpñWV Wo. 7. eo a A VaU àumbr Am a {ZdoeH$Vm Am H$s {eh$m Vm H$m {ZdmaU h mao a{oñq >ma Am a eo a A VaU EO Q>m Ho$ H$m m b eo a A VaU, bm^m e Ho$ ^wjvmz VWm {ZdoeH$Vm go g ~ {YV AÝ J{V{d{Y m na Jm a {H$ m OmVm h Am a CZH$m g gmyz {H$ m OmVm h. ~ H$, h gw{z{ímv H$aVm h {H$ eo am Ho$ A VaU H$m gmam H$m, CZH$mo àñvwv {H$E JE {XZ go {ZYm [av Ad{Y Ho$ A Xa nyam {H$ m OmVm h. S>b Zo, eo aymah$m H$s {eh$m Vm Ho$ {ZdmaU VWm eo am Ho$ A VaU VWm AÝ g ~ {YV m bm na {dmma H$aZo Ho$ {be eo aymah$ g ~ Y g{ {V Am a eo a A VaU Ho$ {be Am V[aH$ H$m H$mar g{ {V H$m JR>Z {H$ m h. o g{ {V m {Z { V A Vamb { bvr h Am a eo am Ho$ A VaU H$s nw{îq> H$aZo Ho$ Abmdm {ZdoeH$Vm Am H$s {eh$m Vm H$s pñw{v H$s g rjm H$aVr h. 90

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98 dm{f H$ [anmoq> {ddau H$mo b {~V àmßv {ZnQ>mB JBª H$mo b {~V H$) Xa»dmñVm H$s g» m Hw$N> Zht Hw$N> Zht I) {eh$m Vm H$s g» m Hw$N> Zht Hw$N> Zht C³V {eh$m Vm go H$moB ^r {eh$m V EH$ hrzo go A{YH$ b {~V Zht ahr. Wm H$mo, eo a A VaU Ho$ g ~ Y h mao nmg H$moB Xa»dmñV b {~V Zht Wr. 8. eo aymah$m Ho$ gmw àh$q>rh$au, g àofu Am a g ~ Y ~ H$ Ho$ àdv H$m /{ZXoeH$m, à~ Y dj, CgHo$ gh mojr g ñwmam Am a/ m CZHo$ [aívoxmam Ho$ gmw ~ H$ H$m, VmpËdH$ Ñ{îQ> go hëdnyu, Eogm H$moB g ~ {YV nmq>u boz-xoz Zht h {Oggo ì mnh$ ê$n go ~ H$ Ho$ {hvm H$mo g ^m{dv ê$n go à^m{dv H$ao. ~ H$ Zo, ny Or ~moma go g ~ {YV m bm Ho$ ~mao g ñv AnojmAm H$s ny{v H$s h. ~ H$ Zo, gm {d{yh$ g gr m Ho$ A Xa dm{f H$ gm mý ~ R>H$ Am mo{ov H$s Am a nmì eo aymah$m H$mo bm^m e AXm {H$ m. h mao ñdv Ì {ZXoeH$ Ûmam ^mj {be JE n[am më H$ H$m H«$ m H$m {ddau ZrMo {XE JE qbh$ na XoIm Om gh$vm h. Investors Corner-----> Disclosures under SEBI (LODR)-à < Disclosure-Under-SEBI-LODR> ~ H$ Zo ^mav gah$ma Ho$ mj {ZX}emZwgma {d{gb ãbmoaa Zr{V V ma H$s h VWm {d{gb ãbmoaa H$mo gwajm àxmz H$s J r h. ^mavr [aod ~ H$ Zo g ~ {YV nmq>u àh$q>rh$au g ~ Yr {Z{X îq> mj {ZX}e {X m h VWm ~ H$ CZH$m AZwnmbZ H$a ahm h. ^m.[a.~. Ho$ AZwgma, ~ H$ Ho$ {be g ~ {YV nmq>u CZHo$ yb / AZwf Jr / ghm{ H$s / g w³v CÚ, à wi à~ YZ H$m{ H$ (Ho$E nr) VWm Ho$E nr Ho$ [aívoxma em{ b h. ^mavr ~ H$ Ho$ {be Ho$E nr nyu H$m{bH$ {ZXoeH$ AmVo h. ~ H$ go g ~ {YV OmZH$mar, Img Vm a na dm{f H$ [anmoq>m] Ho$ μo[ae {Og AÜ j H$m ~ mz, {ZXoeH$m H$s [anmoq>, boimnar{jv boim, ZH$Xr àdmh {ddau Am a g o{h$v boim Am{X hmovo h, CnbãY H$amB OmVr h. eo aymah$m H$mo {V mhr, AY -dm{f H$ Am a dm{f H$ {ZînmXZ Ho$ ~mao OmZH$mar g mmma nìm àh$mez, eo a ~momam H$mo Xr JB gymzm, àog-{dk{ßv Am a do~gmbq> AWm V² VWm {ZdoeH$m m {dícofh$m Ho$ {be CnbãY H$am Xr J r nrnrq>r Ûmam ^r Xr J r. ^mavr à{v^y{v Ed {d{z ~mos> (EbAmoS>rAma) {d{z Z, 2015 Ho$ {d{z 33 Ho$ AZwgma eo a ~momam H$mo {dîmr n[aum VWm AÝ yë g doxmë H$ gymzm àñvwv H$s J r h. {dîmr df Ho$ Xm amz, {V mhr n[aum {ZåZ{bpIV Vm{bH$mZwgma g mmma nìm àh$m{ev {H$E JE. n[aum, ~ H$ H$s do~gmbq> ^r àx{e V {H$E JE. H$mo g mßv {V mhr àh$mez {XZm H$ g mmma nì ñwmzr ^mfm amîq >r {do m H$Zm Q>H$ (H$ÝZS>) {~OZog bmbz (A J«oOr) {~OZog ñq> S>S> ({hýxr) CX dmur (H$ÝZS>) {~OZog bmbz (A J«oOr){~OZog ñq> S>S> ({hýxr) {do m H$Zm Q>H$ (H$ÝZS>) {~OZog ñq> S>S> (A J«oOr d {hýxr) {do m H$Zm Q>H$ (H$ÝZS>) BŠZm { H$ Q>mB åg (A J«oOr) Zd ^mav Q>mB åg (qhxr) 9. A{YXoemË H$ Am a J a-a{yxoemë H$ AnojmE 9.1 ~ H$ Zo, ^mavr à{v^y{v Ed {d{z ~mos> (EbAmoS>rAma) {d{z Z, 2015 CnbãY g ñv bmjy A{YXoemË H$ AnojmAm H$m AZwnmbZ {H$ m h. 92

99 B / r m m 9.2 J a-a{yxoemë H$ AnojmAm Ho$ H$m m Ýd Z Ho$ ~mao OmZH$mar ZrMo àñvwv h : Anojm S>b hm EH$ J a H$m H$mar AÜ j H$mo H $nzr Ho$ IM na AÜ j Ho$ H$m m b ~ZmE aizo Ho$ {be hh$xma hmozm Mm{hE Am a AnZo H$V ì m Ho$ {ZînmXZ {H$E JE IM H$s à{vny{v hovw AZw V h eo aymah$ Ho$ A{YH$ma {nn>bo N>h hrzo Ho$ hëdnyu KQ>ZmAm H$m gma g{hv {dîmr {ZînmXZ H$s AY dm{f H$ KmofUm, àë oh$ eo aymah$ H$mo ^oor OmZr Mm{hE boimnarjm [anmoq> g emo{yv am H $nzr AZh {dîmr {ddaum H$m EH$ emgz H$s Amoa ñwmzm V[aV H$a gh$vr h AÜ j Ed grb Amo H$m AbJ nx H $nzr AÜ j VWm à~ Y {ZXoeH$ / grb Amo Ho$ nx hovw AbJ ì {³V m H$mo {Z w³v H$a gh$vr h Am V[aH$ boimnarjh$ H$s [anmo{qª>j Am V[aH$ boimnarjh$ gryo boimnarjm g{ {V H$mo [anmoq> H$a gh$vm h. AZwnmbZ ~ H$ g^r eo aymah$m H$mo df Ho$ Xm amz K{Q>V hëdnyu àj{v H$m gma Ho$ gmw dm{f H$ {dîmr n[aum ^oovm h. ~ H$ Ho$ {V mhr {dîmr n[aum m H$mo {ZXoeH$ S>b Ûmam AZw moxz Ho$ ~mx g mmma nìm, ñq>m H$ EŠgM Om VWm ~ H$ Ho$ do~gmbq> àh$m{ev ^r {H$E OmVo h. {XZm H$ H$mo g mßv df Ho$ {be ~ H$ Ho$ boimnarjh$m H$s [anmoq> H$moB Ah Vm Zht h. ^mav gah$ma Zo AÜ j VWm à~ Y {ZXoeH$ Ed grb Amo nx Ho$ {be àë oh$ ì {³V m H$mo Zm{ V / {Z w³v {H$ m h. Am V[aH$ boimnarjm Ho$ H$m / g X^ H$s AnZr ev] VWm S>b Ho$ boimnarjm g{ {V H$s g amzm VWm g X^ H$s AnZr ev] {d{z m H$ AWm V ^mavr [aod ~ H$ Ûmam Omar mj {ZX}em /n[anìm Ûmam em{gv h {OZH$m ~ H$ AZwnmbZ H$aVm h. 10. eo aymah$m H$s OmZH$mar Ho$ {be : ~ H$, EH$ AZwgy{MV dm{upá H$ ~ H$ h {OgH$m àymz H$m m b, ~ Jbyé h. Wm H$mo Xoe^a $br hþb 2031 emimam Ho$ O[aE ~ H$ Zo AnZr m OyXJr H$m H$s h. ~ H$ Ho$ eo am H$mo ZrMo C{ëbpIV à wi eo a ~momam gymr~õ {H$ m J m h : 1) ~regb {b{ Q>oS> H $nzr g ~ Y {d^mj nhbr {Ob, Ý y Q >oqs>j [a J { $amoo OrOr~m Q>mdg, Xbmb ñq >rq>, $moq> w ~B ~regb Hy$Q> : ) Z ezb ñq>m H$ EŠgM O Am $ B {S> m {b. EŠgM O ßbmOm, 5dm Vb ßbmQ> g.gr/1, Or ãbm H$ ~m Ðm - Hw$bm H$m ånbošg ~m Ðm (nyd ), w ~B EZEgB Hy$Q> : VIJAYA BANK eo a ~mμomam H$mo, gymr~õ H$aZo g ~ Yr df H$m dm{f H$ ewëh$, {Z V VmarI Ho$ A Xa AXm {H$ m J m à{v^y{v m H$m A yvuh$au ~ H$m Ho$ eo am H$m A yvuh$au A{Zdm Zht h bo{h$z ~ H$ Zo amîq >r à{v^y{v {ZjonmJma {b{ Q>oS> Am a H $Ðr à{v^y{v {ZjonmJma {b{ Q>oS> Ho$ 93

100 dm{f H$ [anmoq> nmg AnZo eo am H$m A yvuh$au {H$ m h. A yv {H$E JE B p³dq>r eo am Ho$ {be, ~ H$ H$mo AmB EgAmB EZ Hy$Q> g.ine705a01016 Am~ {Q>V H$s JB h. My {H$ ~ H$ Ho$ eo am H$m ì mnma Xmo eo a ~mμomam {H$ m OmVm h Bg{bE Mb-{Z{Y gm mý h. ~ H$ Zo, XmoZm {ZjonmJmam AWm V; EZEgS>rEb Am a grs>regeb Ho$ nmg Hw$b ñdrh $V ny Or Ed ~ H$ H$s Omar VWm gymr~õ ny Or Ho$ g mymz Ho$ {be boimnarjm Ho$ g ~ Y VWm Ah H $nzr g{md Ûmam, ^mavr à{v^y{v Ed {d{z ~mos> Ho$ {ZX}emZwgma em{ b {H$E JE AÝ m bm Ho$ g ~ Y ^mavr à{v^y{v Ed {d{z ~mos> H$s AnojmAm H$s ny{v H$s h H$mo B p³dq>r eo aymah$m Ûmam A yv Am a yv ê$n aio JE eo am Ho$ ã m ao {ZåZmZwgma h : eo aymah$m H$s g. eo am H$s g. eoya YmaU H$m % A yv ^mav Ho$ amîq >n{v * EZEgS>rEb AÝ grs>regeb AÝ (* ^mav gah$ma Ûmam Ym[aV eo a * * grs>regeb Ho$ nmg h ) Hw$b - H$ yv Hw$b - I gh$b moj (H$+I) * {XZm H$ H$mo A{Y mý Am~ Q>Z eo a H$m nm}aoq> H$ma dmb H$s J r 10.2 df Ho$ Xm amz ~ H$ Ûmam ^wjvmz {H$ m J m bm^m e : df Ho$ Xm amz ~ H$ Zo {dîmr df Ho$ g ~ Y 15% bm^m e H$s KmofUm H$s h ~ H$ H$s eo a ny Or ~ qh$j H $nzr (CnH«$ m H$m AO Z d A VaU) A{Y{Z 1980 H$s Ymam 3(2E) Ho$ AZwgma H $Ðr gah$ma, ^m[a~ Ho$ gmw nam e H$a VWm amonì A{YgyMZm Ho$ Ûmam àm{yh $V ny Or H$mo O gm dh C{MV g PVr h, ~T>m AWdm KQ>m gh$vr h, Am a Eogr ~T>moÎmar AWdm H$ r Ho$ ~mx àm{yh $V ny Or VrZ homa H$amo S>> én m go A{YH$ AWdm EH$ homa nm M gm H$amo S>> én m go H$ Zht hmojr. {X H$s A{YgyMZm Ho$ μo[ae ^mav gah$ma Zo ~ H$ H$s àm{yh $V ny Or `1,500 H$amo S>> go `3,000 H$amo S>> d{y V {H$ m. VXZwgma, g à{v ~ H$ H$s ny Or `3,000 H$amo S>> h {Ogo `10/- Ho$ 300 H$amo S>> nyu àxîm eo am {d^m{ov {H$ m h. g à{v, ^mav gah$ma Ho$ nmg ~ H$ H$s B p³dq>r eo a ny Or H$m 68.77% {hñgm h VWm dh ~ H$ H$m à wi eo aymah$ h. VXZwgma, ~ H$ H$s m OyXm àxîm ny Or {ZåZmZwgma h : (` H$amo S>>) àm{yh $V ny Or : `10/- Ho$ 300 H$amo S>> eo a ` 3, Hw$b àxîm ny Or : ` 10/- Ho$ 130,41,47,965 B p³dq>r eo a ` Hw$b àxîm ny Or `

101 a X gmaur 1 : Wm H$mo eo a YmaU H$m g dj dma g {dvau : g dj Ym[aV eo am H$s g» m eo a YmaU H$s à{vevvm E àdv H$ H$m YmaU 1. àdv H$ - ^mavr àdv H$ (^mav gah$ma) {dxoer àdv H$ gh {V Ûmam H$m H$aZo dmbo ì {³V - - Cn-Hw$b ~r J a-àdv H$ H$m YmaU 3. g ñwmjv {ZdoeH$ H$) å ymwab $S> d yq>ramb d EEbQ>r {Zdoe {Z{Y I) ~ H$, {dîmr g ñwme, ~r m H $n{z m (H $Ð/amÁ g ñwme /J agah$mar g ñwme ) J) E $AmB AmB /E $E E $/E $nramb Cn-Hw$b gr AÝ H$) H$m nm}aoq> {ZH$m I) ^mavr OZVm J) EZAmaAmB /Amogr~r K) AÝ H$moB (g memoyz gxñ d mh}$q> oh$a) S>.) {dxoer ZmJ[aH$ Cn-Hw$b gh$b moj gmaur 2 : Wm H$mo Hw$b {dxoer eo a YmaU : H«$ g. {ddau eo am H$s g» m eo a YmaU H$s à{vevvm 1 OrS>rAma VWm ES>rAma YmaU - eyý - - eyý - 2 {dxoer àdv H$ - eyý - - eyý - 3 {dxoer g ñwmjv {ZdoeH$ / {dxoer g {d^mj {ZdoeH$ {dxoer å ymwab $S> EZAmaAmB {dxoer ~ H$ - eyý - - eyý - 7 {dxoer amîq >r Hw$b gmaur 3 : Wm H$mo ~ H$ Ho$ 1% go A{YH$ B p³dq>r eo a YmaU H$aZodmbo eo a YmaH$m H$s gymr : H«$ g. eo aymah$m H$m Zm Ym[aV eo am H$s g» m eo a YmaU H$m à{vevvm g dj 1 ^mav Ho$ amîq >n{v ^mavr àdv H$ 2 ^mavr OrdZ ~r m {ZJ gah$ma Ûmam àm mo{ov {dîmr g ñwm 3 EMS>rE $gr Q >ñq>r H $nzr {b{ Q>oS> å ymwab $S> 4 B ñq> pñà J BÝdoñQ> Q²g B {S> m B p³dq>r AmonZ {b{ Q>oS> {dxoer g {d^mj {ZdoeH$ 95

102 dm{f H$ [anmoq> eo a ~moma g ~ Yr Am H$ S>o Aà b, 2017 go mm 2018 VH$ EZEgB Am a ~regb m{gh$ CÀM Am a {ZåZ H$moQ>oeZ Am a ì mnma {H$E JE eo am H$s mìm {ZåZmZwgma h : Z ezb ñq>m H$ EŠgM O (EZEgB ) Am $ B {S> m {b{ Q>oS> mh CÀM (`) {ZåZ (`) ~ X (`) g mßv VmarI eo am Ho$ ì mnma H$s mìm EZEgB {ZâQ>r Aà b B OyZ OwbmB AJñV {gv ~a Aºy$~a Zd ~a {Xg ~a OZdar $adar mm {dîmr df Ho$ Xm amz {do m ~ H$ H$m eo a yë ~Zm {Z $Q>r-EZEgB gymh$m H$ t t t t 60 t t t 50 t t 9500 t 40 t Apr -17 May -17 Jun-17 Jul-17 Aug-17 Sep-17 Oct -17 Nov -17 Dec-17 Jan-18 Feb -18 Mar t EZEgB {Z $Q>r ~ H$ eo a yë 96

103 ~m å~o ñq>m H$ EŠgM O (~regb ) {b{ Q>oS> mh CÀM (`) {ZåZ (`) ~ X (`) g mßv VmarI eo am Ho$ ì mnma H$s mìm ~regb g gošg Aà b B OyZ OwbmB AJñV {gv ~a Aºy$~a Zd ~a {Xg ~a OZdar $adar mm {dîmr df Ho$ Xm amz {do m ~ H$ H$m eo a yë ~Zm g gošg -~regb gymh$m H$ t 80 t t t t t t t t t Apr -17 May -17 Jun-17 Jul-17 Aug-17 Sep-17 Oct -17 Nov -17 Dec-17 Jan-18 Feb -18 Mar -18 t ~regb g gošg ~ H$ eo a yë

104 dm{f H$ [anmoq> Wm H$mo {do m ~ H$ Ho$ eo aymau H$m yë -dma {dvau A{YH $V yë Ho$ eo a - ` eo aymah$ eo a g» m à{vevvm am{e ` à{vevvm 1 go go go go go go go d Cggo A{YH$ Hw$b Or Zmam UZ AÜ j wabr am ñdm r H$m H$mar {ZXoeH$ {ddoh$ gmozr {ZXoeH$ Eg akwzmw {ZXoeH$ ñwmz : ~ Jbyé {XZm H$ : Ama E e H$a Zmam UZ à~ Y {ZXoeH$ Ed grb Amo lr{zdmg amd {ZXoeH$ E ^Jd V amd {ZXoeH$ a OZ S>moJ«m {ZXoeH$ ZmJoída amd dmb H$m H$mar {ZXoeH$ Or nr ~moam {ZXoeH$ dr dr Ama emór {ZXoeH$ amkd Xa JwßVm {ZXoeH$ à~ Y {ZXoeH$ Ed grb Amo Ûmam KmofUm nw{îq> H$aVm hÿ {H$ S>b Ho$ g^r gxñ VWm d[að> à~ YZ {dîmr df Ho$ {be ~ H$ H$s AmMma g {hvm H$m AZwnmbZ H$aZo H$s A{^nw{îQ> Xr h. ñwmz : ~ Jbyé Ama E e H$a Zmam UZ {XZm H$ : à~ Y {ZXoeH$ Ed grb Amo 98

105 H $nzr emgz Ho$ g ~ Y boim narjh$m H$m à munì godm : {do m ~ H$ Ho$ gxñ, h Zo, g ~Õ ^mavr à{v^y{v Am a {d{z (EbAmoS>rAma) 2015 Wm {Z{X îq> 31 mm, 2018 H$mo g mßv df Ho$ {be, {do m ~ H$ Ûmam H $nzr emgz H$s evm] Ho$ AZwnmbZ H$m narju {H$ m h. H $nzr emgz H$s evm] H$m AZwnmbZ, à~ Y dj H$s {Oå oxmar h. h mam narju, H $nzr emgz H$s evm] H$m nmbz gw{z{ímv H$aZo Ho$ {be ~ H$ Ûmam AnZmB JB à{h«$ mam Am a CgHo$ H$m m Ýd Z VH$ gr{ V Wm. h Z Vmo boimnarjm h Z hr ~ H$ Ho$ {dîmr {ddaum na A{^ì ³V am. h gy{mv H$aZm MmhVo h {H$ {ZXoeH$ S>b, boimnarjm g{ {V / AÝ g{ {V m H$m JR>Z, {ZXoeH$m Ho$ nm[al{ H$, S>b {H«$ m{d{y / g ~ {YV nmq>u bozxoz / {d{gb ãbmoaa / à~ YZ Am a AZwnmbZm Ho$ g ~ Y ^mavr à{v^y{v Am a {d{z (EbAmoS>rAma) 2015 Ho$ g ~ {YV {d{z m Ho$ AYrZ ~ H$, O~ H$^r bmjy hmo, ~ H$H$mar H $nzr (CnH«$ m H$m AO Z d A VaU) A{Y{Z, 1980; ~ qh$j {d{z Z A{Y{Z, 1949; amîq >r H $V ~ H$ (à~ YZ Am a {d{dy àmdymz) moozm, 1980 VWm ^mavr [aod ~ H$ Ho$ {ZXoe / ^mav gah$ma Ho$ {Xem{ZX}e / AmB greamb -boim H$Z mzh$ Ho$ AYrZ {ZYm [av àmdymzm Ûmam em{ b hmojm. AV ~ H$ D$na C{ëbpIV ^mavr à{v^y{v Am a {d{z (EbAmoS>rAma) 2015 Ho$ g ~ {YV {d{z m Wm {Z{X îq> H $nzr A{^emgZ H$s evm] H$m Cg hx VH$ nmbz {H$ m h {H$ o Cnamo³V {Xem{ZX}em H$m Cëb KZ Zht H$aVm h. h h CëboI H$aVo h {H$ {hvymah$ g ~ Y g{ {V Ûmam AZwa{jV A{^boIm Am a ~ H$ Ho$ a{oñq >ma d eo a A VaU EO Q> Ûmam Wm à m{uv ~ H$ Ho$ à{v, EH$ hrzo go A{YH$ g Ho$ {be H$moB ^r {ZdoeH$ {eh$m V b {~V Zht h. AmJo h CëboI H$aVo h {H$ Eogm AZwnmbZ, ~ H$ H$s ^mdr ì dhm Vm Ho$ ~mao Z H$moB AmídmgZ h Z hr ~ H$ H$m H$m H$mO MbmZo à~ Y dj H$s XjVm AWdm j Vm H$m g Ho$V h. H $Vo ogg OJÝZmWZ EÊS> ga~oñdaz gzxr boimh$ma n OrH$aU g eg EZ a JZ (gmpoxma) gxñ Vm g H $Vo ogg Amo nr ~½bm EÊS> H $. gzxr boimh$ma n OrH$aU g ez/eee H $Vo ogg {ed qoxb EÊS> H $. gzxr boimh$ma n OrH$aU g ez {dh«$ qoxb (gmpoxma) gxñ Vm g H $Vo ogg àmbμo n Å> EÊS> H $. gzxr boimh$ma n OrH$aU g eg Z ñwmz : ~ Jbyé {XZm H$ : amho$e Hw$ ma (gmpoxma) gxñ Vm g E ZmJZmWZ (gmpoxma) gxñ Vm g

106 dm{f H$ [anmoq> {ddau Wm 31 mm, 2018 H$m VwbZ-nÌ 100 AZwgyMr g» m (` 000 N>moS> {X m J m h ) Wm H$mo Wm H$mo ny Or Am a Xo VmE± ny Or eo a AmdoXZ am{e 1E 0 0 Ama{j{V m Am a A{Yeof O mam{e m CYma AÝ XoZXm[a m VWm àmdymz OmoS> AmpñV m ^mavr [aμod ~ H$ ZH$Xr Am a eof ~ H$m eof Am a m J VWm Aën gymzm na à{vxo am{e {d{zymz A{J« AMb AmpñV m AÝ AmpñV m OmoS> AmH$pñ H$ Xo VmE dgybr Ho$ {be {~b boim Zr{V m 17 boim na {Q>ßn{U m 18 D$na g X{^ V hëdnyu boimh$au Zr{V m± Ed AZwgy{M m± VwbZ-nÌ H$m EH$ A{^Þ ^mj ~ZVr h. JmonmbH $îuz Zmam UZ AÜ j EZ.lr{Zdmgm amd {ZXoeH$ dr dr Ama emór {ZXoeH$ a oe Hw$ ma { JbmZr hmà~ YH$ ñwmz : ~ Jbyé {XZm H$ : H $Vo ogg OJÞmWZ EÊS> ga~oñdaz gzxr boimh$ma n OrH$aU g eg EZ a JZ gmpoxma gxñ Vm g H $Vo ogg Amo nr ~½bm EÊS> H $. EbEbnr (nhbo ogg Amo nr ~½bm EÊS> H $.) gzxr boimh$ma n OrH$aU g ez/ezdmb E amho$e Hw$ ma gmpoxma gxñ Vm g Ama E e H$a Zmam UZ à~ Y {ZXoeH$ Ed grb Amo Or nr ~moam {ZXoeH$ Eg akwzmw {ZXoeH$ h mao g {XZm H$ H$s [anmoq> Ho$ AZwgma ZmJoída amd dmb H$m H$mar {ZXoeH$ {ddoh$ gmozr {ZXoeH$ amoz S>moJ«m {ZXoeH$ H $Vo ogg {ed qoxb EÊS> H $. gzxr boimh$ma n OrH$aU g ez {dh«$ qoxb gmpoxma gxñ Vm g H $Vo ogg àmboμ n Å> EÊS> H $. gzxr boimh$ma n OrH$aU g.02783eg E ZmJZmWZ gmpoxma gxñ Vm g wabr am ñdm r H$m H$mar {ZXoeH$ E ^Jd V amd {ZXoeH$ amkd Ð JwßVm {ZXoeH$

107 31 mm, 2018 H$mo g mßv df H$m bm^ d hm{z boim {ddau 101 AZwgyMr g» m H$mo g mßv df Ho$ {be (` 000 N>moS> {X m J m h ) H$mo g mßv df Ho$ {be I. Am A{O V ã mo AÝ Am OmoS> II. ì ì {H$ m J m ã mo àmmbz ì Cn~ Y Am a AmH$pñ H$ ì OmoS> III. bm^ / hm{z df Ho$ {be {Zdb bm^ OmoS>o : AmJo bm m J m bm^ KQ>mE : Ymam 36 (1) (viii) Ho$ AYrZ {deof AmajU na S>rQ>rEb H$m g OZ - - OmoS>o : gm mý Ama{j{V go A VaU - - OmoS> IV. {d{z mooz gm {d{y Ama{j{V A VaU Am H$a A{Y{Z H$s Ymam 36 (1) (viii) Ho$ AZwgma {deof AmajU A VaU ny Or Ama{j{V A VaU gm mý Ama{j{V A VaU - - A V[a bm^m e (H$a g{hv) - - àñvm{dv bm^m e - B p³dq>r> eo a ny Or (H$a g{hv) àñvm{dv bm^m e A{Y mý eo a ny Or (H$a g{hv) - - VwbZ nì AmJo bo Om m J m eof OmoS> à{v eo a AO Z - ~o{gh$ (` ) S>mBë yq>os> (` ) boim Zr{V m 17 boi na {Q>ßn{U m 18 D$na g X{^ V hëdnyu boimh$au Zr{V m± Ed AZwgy{M m± VwbZ-nÌ H$m EH$ A{^Þ ^mj ~ZVr h. JmonmbH $îuz Zmam UZ AÜ j EZ.lr{Zdmgm amd {ZXoeH$ dr dr Ama emór {ZXoeH$ a oe Hw$ ma { JbmZr hmà~ YH$ ñwmz : ~ Jbyé {XZm H$ : H $Vo ogg OJÞmWZ EÊS> ga~oñdaz gzxr boimh$ma n OrH$aU g eg EZ a JZ gmpoxma gxñ Vm g H $Vo ogg Amo nr ~½bm EÊS> H $. EbEbnr (nhbo ogg Amo nr ~½bm EÊS> H $.) gzxr boimh$ma n OrH$aU g ez/ezdmb E amho$e Hw$ ma gmpoxma gxñ Vm g Ama E e H$a Zmam UZ à~ Y {ZXoeH$ Ed grb Amo Or nr ~moam {ZXoeH$ Eg akwzmw {ZXoeH$ h mao g {XZm H$ H$s [anmoq> Ho$ AZwgma ZmJoída amd dmb H$m H$mar {ZXoeH$ {ddoh$ gmozr {ZXoeH$ amoz S>moJ«m {ZXoeH$ H $Vo ogg {ed qoxb EÊS> H $. gzxr boimh$ma n OrH$aU g ez {dh«$ qoxb gmpoxma gxñ Vm g H $Vo ogg àmboμ n Å> EÊS> H $. gzxr boimh$ma n OrH$aU g.02783eg E ZmJZmWZ gmpoxma gxñ Vm g wabr am ñdm r H$m H$mar {ZXoeH$ E ^Jd V amd {ZXoeH$ amkd Ð JwßVm {ZXoeH$

108 dm{f H$ [anmoq> {ddau VwbZ nì d bm^ hm{z boim H$s AZwgy{M m± (` 000 N>moS> {X m J m h ) Wm H$mo Wm H$mo AZwgyMr - 1 : ny Or àm{yh $V ny Or à{v `10/- Ho$ 300,00,00,000 eo a Omar, A{^XÎm Am a m Jr J r ny Or à{v `10/- Ho$ 130,41,47,965 B p³dq>r eo a ({nn>bo df à{v `10/- Ho$ 99,88,45,340 B p³dq>r eo a) àxîm ny Or (H$) H $Ð gah$ma Ûmam Ym[aV à{v `10/- Ho$ 89,68,11,702 B p³dq>r eo a ({nn>bo df à{v `10/- Ho$ 70,25,32,074 B p³dq>r eo a) (I) gmd O{ZH$ Am a AÝ Ûmam Ym[aV à{v `10/- Ho$ 40,73,36,263 B p³dq>r eo a ({nn>bo df 29,63,13,266) OmoS> {XZm H$ H$mo Š yamb ~r H$mo `63.05 H$s Xa na 11,10,22,997 eo a A{Y mzr AmYma na Am~ {Q>V {H$ m J m (A {H$V yë `10/- `53.05 Ho$ àr{ na) {XZm H$ H$mo ^mav gah$ma H$mo `65.73 H$s Xa na 19,42,79,628 eo a A{Y mzr AmYma na Am~ {Q>V {H$ m J m (A {H$V yë `10/- `55.73 Ho$ àr{ na) AZwgyMr - 1E : eo a AmdoXZ am{e 0 0 OmoS> 0 0 AZwgyMr - 2 : Ama{j{V m Am a A{Yeof I. gm {d{yh$ Ama{j{V {nn>bo VwbZ nì Ho$ AZwgma eof OmoS> : df Ho$ Xm amz n[ady Z OmoS> II. ny Or Ama{j{V {nn>bo VwbZ nì Ho$ AZwgma eof OmoS> : df Ho$ Xm amz n[ady Z OmoS>

109 {ddau (` 000 N>moS> {X m J m h ) Wm H$mo Wm H$mo AZwgyMr - 2 (Omar...) III. eo a àr{ {nn>bo VwbZ nì Ho$ AZwgma eof OmoS> : df Ho$ Xm amz n[ady Z OmoS> IV. nwz y ë m H$Z Ama{j{V {nn>bo VwbZ nì Ho$ AZwgma eof OmoS> : df Ho$ Xm amz n[ady Z 0 0 KQ>mE : bm^ d hm{z ImVo go g m mo{ov yë õmg Ho$ à{v H$Q>m Vr OmoS> V. amoñd Am a AÝ Ama{j{V m (H$) Am H$a A{Y{Z H$s Ymam 36(1) (viii) Ho$ AZwgma {deof Ama{j{V {nn>bo VwbZ nì Ho$ AZwgma eof OmoS> : df Ho$ Xm amz n[ady Z OmoS> (I) gm mý Ama{j{V {nn>bo VwbZ nì Ho$ AZwgma eof OmoS>/(KQ>mE±) : df Ho$ Xm amz A VaU - - OmoS> (J) bm^ d hm{z boim eof am{e OmoS> OmoS> (H$+I+J) OmoS> {I+II+III+IV+V} AZwgyMr - 3 : O mam{e ^mav O mam{e I. m J O m i) ~ H$m go ii) AÝ go II. ~MV ~ H$ O mam{e m III. gmd{y O mam{e m i) ~ H$m go ii) AÝ go OmoS>

110 dm{f H$ [anmoq> (` 000 N>moS> {X m J m h ) {ddau Wm Wm H$mo H$mo AZwgyMr - 4 : CYma I. ^mav CYma i) ^mavr [aμod ~ H$ 0 0 ii) AÝ ~ H$ iii) AÝ g ñwm Am a A{^H$aU iv) Jm U F$U - ~m S> 1) 9.25% H$s Xa go 10 dfu ~m S> ) 10.10% H$s Xa go 15 dfu ~m S> ) 9.50% H$s Xa go 10 dfu d 3 hrzo Ho$ ~m S> ) 9.35% H$s Xa go 10 dfu d 4 hrzo Ho$ ~m S> ) 9.45% H$s Xa go 15 dfu ~m S> ) 9.73% H$s Xa go 10 dfu ~m S> ) 9.15% H$s Xa go 10 dfu ~m S> ) 9.54% H$s Xa go {Za Va A{V[a³V {Q> a I ~m S> ) 8.62% H$s Xa go 10 dfu ~m S> ) 10.40% H$s Xa go {Za Va A{V[a³V {Q> a I ~m S> ) 11.25% H$s Xa go {Za Va A{V[a³V {Q> a I ~m S> ) 8.64% H$s Xa go 10 dfu ~m S> ) 10.49% H$s Xa go A{V[a³V {Q> a I ~o{gb III AmkmH$mar l Ibm IV II. ^mav go ~mha CYma 0 0 OmoS> AZwgyMr - 5 : AÝ XoZXm[a m d àmdymz (i) Xo {~b (ii) àmoøÿv ã mo (iii) mzh$ AmpñV m Ho$ à{v àmdymz (iv) AÝ (àmdymzm g{hv) (v) A Va H$m m b g m mooz ({Zdb) 0 0 (vi) AmñW{JV H$a Xo Vm ({Zdb) 0 0 OmoS>

111 {ddau AZwgyMr - 6 : ^mavr [aμod ~ H$ ZH$Xr Am a eof (` 000 N>moS> {X m J m h ) Wm Wm H$mo H$mo I. hmw ZH$Xr ({dxoer H$a gr ZmoQ>m g{hv) II. Mmby ImVo ^mavr [aμod ~ H$ eof III. AÝ ImVm ^mavr [aμod ~ H$ eof OmoS> AZwgyMr - 7 : ~ H$m eof Am a m J VWm Aën gymzm na à{vxo am{e I. ^mav (i) ~ H$m eof (H$) Mmby ImVm (ii) (I) AÝ O m ImVm m J VWm Aën gymzm na à{vxo am{e (H$) ~ H$m Ho$ gmw 0 0 (I) AÝ g ñwmam Ho$ gmw OmoS> II. ^mav Ho$ ~mha * (H$) Mmby ImVm (I) AÝ O m ImVm OmoS> OmoS> I+II * Zm ñq >mo à{vê$n eof Ag m mo{ov X VWm {dmmamyrz am{e em{ b h AZwgyMr - 8 : {d{zymz ^mav {d{zymz (gh$b) KQ>mE : Ad yë Z Ed A{ZînmXH$ {Zdoe Ho$ {be àmdymz ^mav {Zdb {d{zymz {dícofu i) gah$mar à{v^y{v m ii) AÝ AZw mo{xv à{v^y{v m iii) eo a iv) {S>~ Ma Am a ~m S> v) gh g ñwmam {Zdoe (B p³dq>r nõ{v na) 0 0 vi) AÝ (dm{upá H$ ànì, å ymwab $S> Ho$ y{zq>, CÚ ny Or {Z{Y, Am{X) OmoS>

112 dm{f H$ [anmoq> (` 000 N>moS> {X m J m h ) {ddau Wm Wm H$mo H$mo AZwgyMr - 9 : A{J«(H$) i) IarXo JE d ^wzme JE {~b ii) ZH$X CYma, AmodaS >mâq> Am a m J na {XE F$U iii) gmd{y F$U iv) H ${f F$U Ny>Q> moozm Ho$ AYrZ àmß Xmdo OmoS> (I) i) yv AmpñV m Ûmam à{v^yv (~hr F$U Ho$ à{v A{J«em{ b h ) ii) ~ H$/gaH$mar àë m^y{v m Ûmam a{jv iii) Aà{V^yV iv) H ${f F$U Ny>Q> moozm Ho$ AYrZ àmß Xmdo OmoS> (J) ^mav A{J«i) àmw{ H$Vm joì ii) gmd O{ZH$ joì iii) ~ H$ iv) AÝ v) H ${f F$U Ny>Q> moozm Ho$ AYrZ àmß Xmdo OmoS> AZwgyMr - 10 : AMb AmpñV m I. n[aga gh$b ãbmh$ (bmjv na/nwz y ë m {H$V am{e) {nn>bo VwbZ nì Ho$ AZwgma df Ho$ Xm amz n[ady Z df Ho$ Xm amz H$Q>m {V m yë õmg {nn>bo VwbZ nì Ho$ AZwgma eof OmoS > : df Ho$ Xm amz à^m[av yë õmg KQ>mE : df Ho$ Xm amz H$Q>m {V m - - AÚVZ yë õmg- nwz y ë m H$Z Ho$ {Z{ Îm `3,99,558 hμoma ah$ g{hv({nn>bo df : 4,33,925 hμoma) Ad{bpIV yë

113 (` 000 N>moS> {X m J m h ) {ddau H$s pñw{v H$s pñw{v II. AÝ AMb AmpñV m ( $ZuMa VWm OwS>Zma g{hv) gh$b ãbm H$ (bmjv na) {nn>bo VwbZ nì Ho$ AZwgma df Ho$ Xm amz n[ady Z df Ho$ Xm amz H$Q>m {V m yë õmg {nn>bo VwbZ nì Ho$ AZwgma eof OmoS > : df Ho$ Xm amz à^m[av yë õmg KQ>mE : df Ho$ Xm amz H$Q>m {V m AÚVZ yë õmg Ad{bpIV yë III. ny Or Mmby H$m OmoS> AZwgyMr 11 : AÝ AmpñV m i. àmoøÿv ã mo ii. A{J«ê$n go àxîm / òmov na H$mQ>m J m H$a (àmdymz H$m {Zdb) iii. AmñW{JV H$a AmpñV ({Zdb) iv. boiz gm J«r Am a ñq> ån v. Xmdm H$s g Vw{îQ> àmßv H$s JB J a-~ qh$j AmpñV m vi. AÝ (àmdymz H$m {Zdb) vii. An[aemoYZ-J«oÀ w{q> d n ez - - viii. A Va-H$m m b g m mooz ({Zdb) OmoS>

114 dm{f H$ [anmoq> (` 000 N>moS> {X m J m h ) {ddau H$s pñw{v H$s pñw{v AZwgyMr 12 : AmH$pñ H$ Xo VmE i. ~ H$ Ho$ pibmμ $ Xmdo {OÝh F$U Ho$ ê$n ñdrh$ma Zht {H$ m J m h ii. A ev: àxîm {d{zymzm Ho$ {be Xo VmE - - iii. ~H$m m dm Xm {d{z g {dxmam Ho$ à{v Xo VmE iv. ^mav KQ>H$m H$s Amoa go Xr J r Jma {Q> m v. à{v-j«hu, n ð>m H$Z Am a AÝ ~mü VmE vi. AÝ X {OZHo$ {be ~ H$ g m{lv ê$n go CÎmaXm r h vii. {Zînm{XV {H$E OmZo Ho$ {be ~mh$s ny OrJV H$ama OmoS> AZwgyMr - 13 : A{O V ã mo i. A{J«m /{~bm na ã mo/~å>m ii. {d{zymzm na Am iii. ^mavr [aμod ~ H$ Ho$ eofm Am a AÝ A Va ~ H$ {Z{Y m na ã mo iv. AÝ OmoS> AZwgyMr - 14 : AÝ Am i. H$ rez, {d{z Am a Xbmbr ii. {d{zymzm Ho$ {dh«$ na bm^ KQ>mE : {d{zymzm Ho$ {dh«$ go hm{z iii. {d{zymzm Ho$ nwz y ë m H$Z na {Zdb bm^ /(hm{z) - - KQ>mE : EMQ>rE à{v^y{v m na àr{ H$m n[aemoyz iv. ^y{, ^dzm Am a AÝ AmpñV m Ho$ {dh«$ na bm^ KQ>mE : ^y{, ^dz Am a AÝ AmpñV m Ho$ {dh«$ go hm{z v. {d{z bozxoz na bm^ KQ>mE : {d{z bozxoz na hm{z vi. {d{dy Am OmoS> (i+ii+iii+iv+v+vi) AZwgyMr - 15 : ì {H$ m J m ã mo i. O mam{e m na ã mo ii. ^mavr [aμod ~ H$ /A Va ~ H$ CYmam na ã mo iii. AÝ OmoS>

115 (` 000 N>moS> {X m J m h ) {ddau H$s pñw{v H$s pñw{v AZwgyMr - 16 : n[ammbz ì i. H$ Mm[a H$mo ^wjvmz Am a CZHo$ {be ì dñwm ii. {H$am m, H$a Am a amoezr iii. wðu Am a boiz gm J«r iv. {dkmnz Am a àmma v. ~ H$ H$s g n{îm na yë õmg KQ>mE : nwz y ë Z Ama{j{V go g m mo{ov yë õmg vi. {ZXoeH$m H$m ewëh$, ^Îmm Am a ì vii. boim narjh$m Ho$ ewëh$ Am a ì (emim boim narjh$m g{hv) viii. {d{y à^ma ix. S>mH$, Vma, Q>o{b $moz Am{X x. aå V Am a AZwajU xi. ~r m xii. AÝ ì OmoS> JmonmbH $îuz Zmam UZ AÜ j EZ.lr{Zdmgm amd {ZXoeH$ dr dr Ama emór {ZXoeH$ a oe Hw$ ma { JbmZr hmà~ YH$ ñwmz : ~ Jbyé {XZm H$ : H $Vo ogg OJÞmWZ EÊS> ga~oñdaz gzxr boimh$ma n OrH$aU g eg EZ a JZ gmpoxma gxñ Vm g H $Vo ogg Amo nr ~½bm EÊS> H $. EbEbnr (nhbo ogg Amo nr ~½bm EÊS> H $.) gzxr boimh$ma n OrH$aU g ez/ezdmb E amho$e Hw$ ma gmpoxma gxñ Vm g Ama E e H$a Zmam UZ à~ Y {ZXoeH$ Ed grb Amo Or nr ~moam {ZXoeH$ Eg akwzmw {ZXoeH$ h mao g {XZm H$ H$s [anmoq> Ho$ AZwgma ZmJoída amd dmb H$m H$mar {ZXoeH$ {ddoh$ gmozr {ZXoeH$ amoz S>moJ«m {ZXoeH$ H $Vo ogg {ed qoxb EÊS> H $. gzxr boimh$ma n OrH$aU g ez {dh«$ qoxb gmpoxma gxñ Vm g H $Vo ogg àmboμ n Å> EÊS> H $. gzxr boimh$ma n OrH$aU g.02783eg E ZmJZmWZ gmpoxma gxñ Vm g wabr am ñdm r H$m H$mar {ZXoeH$ E ^Jd V amd {ZXoeH$ amkd Ð JwßVm {ZXoeH$ 109

116 dm{f H$ [anmoq> AZwgyMr-17 hëdnyu boim Zr{V m H$. V mar H$m AmYma : Eo{Vhm{gH$ bmjv Ho$ AYrZ, gvv AmYma na boim H$Z Ho$ CnmO Z AmYma na, AÝ Wm C{ëbpIV ~mvm H$mo N>mo S>H$a ~ H$ H$m {dîmr {ddaur V ma {H$ m OmVm h Am a ^mav gm mý V m ñdrh $V boim H$Z {gõm V (OrEEnr) go g ~ Y g^r nhþbam Omo H$mZyZr àmdymzm, ^mavr [aod ~ H$ (Ama~rAmB ) Ûmam {ZYm [av {Z m H$ mzx S>/{Xem{ZX}e, ~ H$H$mar {d{z A{Y{Z 1949, ^mavr gzxr boimh$ma g ñwmz (AmB greamb ) Ûmam Omar boim H$Z mzh$ Am a ^mav ~ qh$j CÚmoJ àm{bv àwm Ho$ AZwê$n h. I. AZw mz Ho$ Cn moj : {dîmr {ddaur H$s V mar {dîmr {ddaur Ho$ Wm {XZm H$ Am a [anmoq> {H$E JE Ad{Y Ho$ Xm amz [anmoq> {H$E JE Am Am a ì H$mo AmpñV Am a Xo VmAm (AmH$pñ H$ Xo Vm g{hv) H$s [anmoq> H$s JB am{e {dmma {H$E JE AZw mz Am a mý Vm H$mo à~ YZ H$aZo H$s Amdí H$Vm h. à~ YZ h {dídmg H$aVm h {H$ {dîmr {ddaur H$mo V ma H$aZo à moj {H$E JE AZw mz { Vì r Am a C{MV h. ^{dî Ho$ n[aum BZ AZw mzm go AbJ hmo gh$vo h. AZw mz H$moB ^r g emoyz, df àj{verb ê$n go mý Vm àmßv h {Og do kmv / ^m {VH$ h, O~ VH$ {H$ AÝ Wm Zht H$hm J m hmo. 1) {dxoer wðm bozxoz I. E $grezama/b B E $gr/amae $gr ImVo Ho$ Abmdm bozxoz (H$) {dxoer wðm AmpñV m m Xo VmAm VWm ~H$m m dm Xm {d{z g {dxmam VWm ñd n H$m yë m H$Z dfmªv Xam go ^mavr {dxoer wðm ì mnmar g K (E $B S>rEAmB ) Ûmam {Z{X îq>mzwgma {H$ m J m h. n[aum r bm^/hm{z H$mo bm^/hm{z ImVo Xem m J m h. (I) Am Am a ì Xm H$mo, boz-xoz H$s VmarIm H$mo {dú mz {d{z Xam Ho$ AZwgma aim J m h. (J) {dxoer wðmam Omar Jma {Q> m Am a gmi nìm g{hv ñdrh ${V m, n ð>m H$Zm Am a AÝ ~mü VmAm Ho$ {Z{ Îm àmg {JH$ Xo VAm H$m, {OÝh VwbZ-nÌ Xem m J m h, dfmªv o$s>mb Ûmam C{ëbpIV {dú mz {d{z Xam go yë m H$Z {H$ m J m h. II. E $grezama/b B E $gr/amae $gr ImVm go g ~ {YV boz-xoz : Cn{MV ã mo g{hv E $grezama/b B E $gr/amae $gr ImVm {dxoer wðm O mam{e m H$mo VWm VXZwê$nr AmpñV m H$mo ~mμoma go OwS>r hþb H$mën{ZH$ Xam Ho$ AZwê$n aim J m h, {OZH$s Amd{YH$ ê$n go g rjm H$s OmVr h. dfmªv AmpñV d Xo VmAm H$mo ^mavr {dxoer wðm ì mnmar g K Ûmam {ZYm [av ^md na nwz y ë m {H$V {H$ m OmVm h. n[aum r bm^/ hm{z H$mo Am /hm{z Ho$ ê$n Xem m OmVm h. 2) {Zdoe H$) gm mý g^r {Zdoe bozxoz ì mnma {XZm H$ H$mo XO {H$ m OmVm h Am a ^wjvmz {XZm H$ H$mo boim H$Z {H$ m OmVm h. {Zdoe djuh$au na dv mz ^m[a~ H$ Ho$ {Xem-{ZX}em Ho$ AZwgma {Zdoe H$m boim H$Z {H$ m OmVm h VWm {ZåZ{bpIV N> g yhm Ho$ AYrZ VwbZnÌ {XIm m OmVm h. H$) gah$mar à{v^y{v m± I) AÝ AZw mo{xv à{v^y{v m± J) eo a K) {S>~ Ma Am a ~m S> L>) AZwf Jr g ñwm/g w³v CÚ {Zdoe M) AÝ (dm{upá H$ nì, å ymwab $S> y{zq>, Zm~mS> -AmaAmB S>rE $, CÚ ny Or {Z{Y Am{X) I) {Zdoe H$m djuh$au ~ H$ H$m {Zdoe g {d^mj {ZåZ{bpIV VrZ lo{u m djuh $V {H$ m J m h djuh$au H$m AmYma H$) n[an¹$vm VH$ Ym[aV - {Zdoe Omo {H$ ~ H$ n[an¹$vm VH$ Ym[aV H$aZo H$m BamXm aivm h, VWm AZwf {J m d Ma VWm ghm H$ g amzm {Zdoe {X H$moB hmo n[an¹$vm VH$ Ym[aV (EMQ>rE ) Ho$ ê$n djuh $V h. I) {~H«$s Ho$ {be CnbãY - {Zdoe Omo {H$ H«$ Ho$ {XZm H$ go 90 {XZm Ho$ A Xa nwz {~H«$s Ho$ {be yb ê$n go aim J m h ì mnma Ho$ {be Ym[aV (EME $Q>r) Ho$ ê$n djuh $V {H$ m J m h. J) ì mnma Ho$ {be Ym[aV - {Zdoe Omo Cnamo³V XmoZm lo{u m djuh $V Zht h, {~H«$s Ho$ {be CnbãY (EE $Eg) Ho$ ê$n djuh $V h. AZwf Jr, g w³v CÚ Am a gh^mjr {Zdoe EMQ>rE Ho$ ê$n djuh $V {H$ m OmVm h. 110

117 K Y e {Zdoe H$mo CgHo$ A{YJ«hU Ho$ g EMQ>rE, EMEμ $Q>r Am a EE $Eg Ho$ ê$n djuh $V {H$ m OmVm h Am a BgHo$ ~mx lo{u m Ho$ ~rm A VaU {Z m H$ {Xem{ZX}em Ho$ AZwê$n {ZåZmZwgma {H$ m OmVm h : EE $Eg/EME $Q>r lour go {Zdoem H$m A VaU Am a BgH$m ì wëh«$ ~hr yë m ~moma yë Ho$ ZrMo {H$ m OmVm h. CZ m bm Ohm A VaU Ho$ g ~moma yë ~hr yë go Á mxm h dhm d {Õ H$mo ZH$mam OmVm h Am a à{v^y{v ~hr yë na A V[aV {H$ m OmVm h. CZ m bm Ohm ~moma yë ~hr yë go H$ h dhm Bg à{v^y{v Ho$ à{v Ym[aV yë õmg Ho$ à{v àmdymz (A{V[a³V àmdymz g{hv {X H$moB hmo Vmo, A VaU {XZm H$ na yë m H$Z H$aZo Ho$ AmYma na Amdí H$VmZwgma) ~moma yë go ~hr yë H$mo H$ H$aHo$ g m mo{ov {H$ m OmVm h Am a à{v^y{v ~moma yë na A V[aV {H$ m OmVm h. EMQ>rE go EE $Eg/EME $Q>r lour à{v^y{v m Ho$ A VaU Ho$ m bo, {X à{v^y{v Ny>Q> na EMQ>rE lour Ho$ AYrZ yb ê$n go IarXm J m Wm Vmo h A{YJ«hU yë /~hr yë na EE $Eg/ EME $Q>r A V[aV {H$ m OmVm h. A VaU Ho$ ~mx BgH$m VwaÝV nwz y ë m H$Z {H$ m OmVm h Am a CgHo$ EdO yë õmg {X H$moB hmo Vmo CnbãY H$am m OmVm h. {X à{v^y{v EMQ>rE yb ê$n go àr{ na IarXm OmVm h Vmo A yv bmjv na EE $Eg/EME $Q>r lour A V[aV {H$ m OmVm h. A VaU Ho$ ~mx, BgH$m VwaÝV nwz y ë m H$Z {H$ m OmVm h Am a CgHo$ EdO yë õmg {X H$moB hmo Vmo CnbãY H$am m OmVm h. EE $Eg go EME $Q>r lour à{v^y{v H$m A VaU m BgHo$ ì wëh«$ Ho$ m bo, A VaU Ho$ {XZm H$ H$mo à{v^y{v m H$m nwz y ë m H$Z Zht {H$ m OmVm h. J) yë m H$Z H$m AmYma I. gm mý : {Zdoe Ho$ A{YJ«hU bmjv H$m {ZYm au H$aZo : (H$) {Zdoe Ho$ A{YJ«hU Ho$ g ~ Y àxîm Xbmbr, H$ rez, à{v^y{v bozxoz H$a (EgQ>rQ>r) Am{X H$mo A{J«IM aim OmVm h Am a Bgo bmjv go AbJ {H$ m OmVm h. H$) (I) F$U {biv na àxîm/àmßv I {S>V Ad{Y H$m ã mo, ã mo ì /Am Ho$ ê$n {b m OmVm h Am a Bgo bmjv/{~h«$s go AbJ aim OmVm h. (J) EE $Eg Am a EME $Q>r VWm EMQ>rE Ho$ AYrZ {Zdoe Ho$ {be ^m[av Am gb bmjv {d{y na bmjv {ZYm [av {H$ m OmVm h. n[an¹$vm VH$ Ym[aV (i) (ii) Bg lour Ho$ A VJ V djuh $V {Zdoem H$m yë m H$Z dfmªv A{YJ«hU bmjv na {H$ m J m h na Vw Ohm A{YJ«hU bmjv A {H$V yë go A{YH$ hmo dhm àr{ H$mo pñwa bm^ àumbr Ho$ AZwgma A yv {H$ m OmVm h. OmopI ny Or {Z{Y {d{zdoe A{YJ«hU H$s bmjv na yë m {H$V {H$ m J m h. (iii) Bg lour {d{zymz Ho$ {~H«$s na A{O V bm^ H$mo nhbo bm^-hm{z boim {b m J m h Am a VXZ Va "ny OrJV Ama{j{V ImVo' {d{z mo{ov {H$ m J m h. {~H«$s na hþb hm{z H$mo bm^-hm{z ImVo Xem m J m h. I) {~H«$s Ho$ {be CnbãY Am a ì mnma Ho$ {be Ym[aV lour Ho$ AYrZ {Zdoem H$m ybm H$Z: EE $Eg Am a EME $Q>r lour Ho$ AYrZ Ym[aV {Zdoe {Z m H$ {Xem{ZX}em Ho$ AZwgma {ZYm [av ~moma yë m C{MV yë na AbJ-AbJ nwz y ë m {H$V {H$ m OmVm h Am a àë oh$ lour (AWm V (i) gah$mar à{v^y{v (ii) AÝ AZw mo{xv à{v^y{v (iii) eo a (iv) ~m S²g Am a {S>~ Ma (v) AZwf Jr Am a g w³v CÚ ; Am a (vi) AÝ {Zdoe) H$m àë oh$ g yh H$m Ho$db {Zdb yë õmg CnbãY H$am m OmE Am a {Zdb yë õmg N>mo S> {X m OmE. yë õmg Ho$ {be àmdymz na AbJ-AbJ à{v^y{v H$m ~hr yë ~moma H$mo {MpÝhV H$aZo Ho$ ~mx An[ad{V V ahvm h. EE $Eg VWm EME $Q>r lour Ho$ AmYrZ Ym[aV {d{^þ {Zdoem Ho$ {be yë m H$Z mzx S> {ZåZ{bpIV gmaur Xr JB h. 111

118 dm{f H$ [anmoq> H$) EE $Eg VWm EME $Q>r Ho$ AmYrZ {Zdoem Ho$ yë m H$Z Ho$ {be mzx S> {Zdoe yë m H$Z à{h«$ m H$ gah$mar à{v^y{v Amd{YH$ AmYma na ^mavr {Z V Am wðm i) H $Ð gah$ma ~moma ì wënþr g K ({ $ås>m) Ûmam àh$m{ev à{v^y{v ~moma yë / dmb Q>rE na ii) amá gah$ma à{v^y{v Amd{YH$ AmYma na ^mavr {Z V Am wðm ~moma ì wënþr g K ({ $ås>m) Ûmam àh$m{ev I H $Ð/amÁ gah$ma nreg y ~m S> Ûmam Jma Q>rH $V à{v^y{v m (A{J«Ho$ ñdén Zht) ~moma yë / dmb Q>rE na E $AmB E E S>rE/^m[a~ H$ Ho$ mj {ZX}emZwgma n[an¹$vm AmYma na C{MV Am na J IOmZm {~b Tw>bmB bmjv na K B p³dq>r eo a ~moma yë na, {X ^md {X m OmVm h, AÝ Wm AÚVZ VwbZ nì (EH$ df go A{YH$ nwamzm Zht) Ho$ AZwgma eo a Ho$ {dàn>o{xv yë na AÝ Wm 1` à{v H $nzr H$s Xa go. L> A{Y mý eo a {X ^md {X m OmVm h Vmo ~moma yë na, AÝ Wm ^m[a~ H$/E $AmB E E S>rE Ho$ mj {ZX}emZwgma à{vxo yë go A{YH$ Z hmovo hþe n[an¹$vm AmYma na C{MV Am na. A{Y mý eo am Ho$ m bo Ohm A{Y mý bm^m e ~H$m m hmo, dhm g {MV bm^m e Ho$ {be H$moB O m Zht {b m OmVm h Am a {X ~H$m m EH$ df AWdm Cggo A{YH$ Ad{Y Ho$ {be hmo Vmo dmb Q>rE Ho$ AZwgma {ZYm [av yë Ý yzv 15% ~Å>m bjm m OmVm h. Cnamo³VmZwgma J a-{zînm{xv eo am Ho$ m bo Ohm bm^m e ~H$m m hmo {ZYm [av {H$E JE yë õmg/àmdymzrh$au Amdí H$VmAm H$mo AÝ {Zînm{XV A{Y mý eo am Ho$ dy Z Ho$ à{v g OZ Zht {H$ m OmVm h. M ~m S> Ed {S>~ Ma (A{J«Ho$ ñdê$n H$m Zht) N> å ymwab $S> H$s y{zq> {X ^md {X m OmVm h Vmo ~moma yë na, AÝ Wm ^m[a~ H$/E $AmB E E S>rE Ho$ mj {ZX}emZwgma n[an¹$vm AmYma Ho$ à{v C{MV Am na {X ^md {X m OmVm h Vmo eo a ~moma ^md Xa na, {X ^md Zht {X m OmVm h Vmo nwz IarX yë /EZEdr na. {Zdoe yë m H$Z à{h«$ m O dm{upá H$ Tw>bmB bmjv na. H$mJμOmV P à{v^y{v agrx à{v^y{v agrx (EgAma) Omar H$aZo Ho$ à{v à{v^y{v H $nzr (Eggr)/AmpñV nwz{z m U H $nzr (EAmagr) H$mo EZnrE ({dîmr AmpñV) H$s {~H«$s Ho$ m bo, EgAma {Zdoe (i) {dîmr AmpñV H$m {Zdb ~hr yë (EZ~rdr) (AWm V² Ym[aV àmdymz Ho$ ~mx ~hr yë ) Am a (ii) EgAma H$m momz yë Ho$ {ZMbo yë na mý Vm àmßv h. Eggr/EAmagr Ûmam Omar EgAma J a-egebama {biv H$mo bmjy {Xem{ZX}em Ho$ AZwgma hëdnyu h. VXZwgma, CZ m bm Ohm, Eggr/EAmagr Ûmam Omar EgAma g ~Õ moozm {biv, {ZYm [av {dîmr AmpñV m Ho$ yb àm{ßv VH$ gr{ V h, Vmo {Zdb AmpñV yë Eggr/EAmagr go àmßv {H$ m OmVm h, Eogo {Zdoe H$m yë m H$Z Ho$ {be JUZm {H$ m J m h. Äm CÚ ny±or {Z{Y drgre $ Ûmam Kmo{fV {Zdb AmpñV yë (EZEdr) na. Q> AÝ {d{zdoe õmg yë KQ>mH$a Tw>bmB bmjv na. énm VaU Ho$ O[aE A{M V {bivm H$m yë õmg Mmho dh mzh$ m EZnrE Ho$ ê$n djuh $V {H$ m J m hmo, EE $Eg lour Ho$ AYrZ Ym[aV {H$gr AÝ à{v^y{v yë õmg H$mo g m mo{ov Zht {H$ m OmE. EE $Eg/EME $Q>r {Zdoe H$s {~H«$s na bm^/hm{z H$mo bm^ d hm{z ImVm {b m OmVm h. I) {ddoh$nyu mzx S> (H$) i) H $Ð gah$ma H$s Jma Q>r g{hv à{v^y{v m H$mo yb YZ/ã mo ^wjvmzm H$s ~H$m m am{e na Ü mz Z XoVo hþe {ZînmXH$ {Zdoe mzo OmVo h. VWm{n, {X ã mo 90 {XZm go A{YH$ Ad{Y Ho$ {be dgyb Zht {H$ m OmVm h Vmo Cgo Ho$db ZH$Xr AmYma na Am Ho$ ê$n nhmmzm OmEJm. ii) à{v^y{v m Omo amá gah$ma Ûmam Jma Q>rH $V h, Ohm± ybyz/ã mo Xo h naývw 90 {XZm go A{YH$ H$s Ad{Y Ho$ {be AXm Zht {H$E JE h, Xm H$mo AZwn moá {Zdoe mzo OmVo 112

119 h a V h VWm ^mavr [aod ~ H$ mj {ZX}emZwgma àmdymz {H$ m J m h. AmJo, amá gah$ma Ûmam Jma Q>r Xr JB à{v^y{v m Ho$ {be Ohm± ybyz/ã mo Xo h bo{h$z 90 {XZm go A{YH$ Ad{Y Ho$ {be àxîm Zht h, ã mo H$mo Ho$db ZH$X AmYma na nhmmzm OmVm h. (I) à{v^y{v m Omo Ho$Ð gah$ma/amá gah$ma/a{y mý eo am Ûmam Jma Q>rH $V Zht h : ybyz/ã mo/ {ZYm [av Xo h naývw df Ho$ A V 90 {XZm go A{YH$ Ad{Y Ho$ {be AXm Zht {H$E JE h, Xm H$mo AZwn moá {Zdoe mzo OmVo h VWm ^mavr [aμod ~ H$ mj {ZX}emZwgma àmdymz {H$ m J m h. (J) {S>~ Mam /~m S>m Ho$ m bo Ohm ybyz/ã mo ~H$m m h, A{J«m Ho$ m bo àmdymz {H$ m J m h. (K) J a-{zînmxh$ {Zdoe Ho$ g ~ Y Ano{jV yë õmg/ àmdymz AÝ {ZînmXH$ {Zdoem Ho$ g ~ Y yë d {Õ Ho$ à{v g m mo{ov Zht {H$ m J m h. 3) ì wënþ go g ~ {YV bozxoz ì wënþ H$amam H$mo à{vajm Am a ì mnma Ho$ ê$n Zm mo{ôîq> H$a {ZåZmZwgma boim~õ {H$ m J m h : H$. à{vajm {d{z : ~moma yë m H$ bmjv na m {dîmr {ddau ~moma yë na Ym[aV AmpñV m Xo Vm go g ~ {YV {d{z H$mo N>moS>H$a, ã mo w³v AmpñV d Xo VmAm H$s à{vajm hovw ã moxa {d{z H$mo àmoø{dv AmYma na boim~õ {H$ m J m h. Eogr pñw{v {d{z ~mμoma H$mo A {H$V {H$ m J m h Ed n[aum r bm^ d hm{z H$m Zm mo{ôîq> AmpñV m Xo Vm H$mo ~moma yë Ho$ g m mooz Ho$ ê$n A{^{bpIV {H$ m J m h. g mßv H$s JB {d{z Ho$ m bo, bm^ d hm{z H$mo AmñW{JV H$a, {d{z H$s eof g {dxmjv Ad{Y m AmpñV/Xo Vm H$s Ad{Y, Omo ^r H$ hmo, Ho$ AZwgma mzm J m h. I. à{vajm Xm H$mo nwzzm { V H$aZm {X à{vajm Xm H$mo EH$ AmpñV/ Xo Vm X go Xÿgao AmpñV/Xo Vm X Ho$ ê$n nwzzm mo{ôîq> {H$ m OmVm h Vmo, C³V H$m H$mo EH$ à{vajm H$s g m{ßv Ed Xÿgao H$m CnmO Z Ho$ ê$n boim~õ {H$ m OmEJm. nwzzm mo{ôîq> {H$E OmZo H$s VmarI H$mo {d{z ~mμoma H$mo A {H$V {H$ m OmVm h Am a {d{z H$s eof Ad{Y m AmpñV/ Xo Vm H$s eof Ad{Y, Omo ^r H$ hmo, Ho$ AZwgma ~moma yë Ho$ ~hr A {H$V H$aZo Ho$ yë n[aemo{yv {H$ m OmVm h. ~moma yë H$mo ~hr A {H$V H$aZo Ho$ à{v g VwbZ g m mooz H$mo ZE ê$n go Zm mo{ôîq> AmpñV/Xo Vm H$s à{vajm na àmßv m àxîm àr{ Ho$ ê$n mzm OmEJm Am a nwzzm mo{ôîq> AmpñV/Xo Vm H$s Ad{Y m {d{z H$s eof Ad{Y, Omo ^r H$ hmo, Ho$ AZwgma BZH$m n[aemoyz {H$ m OmEJm. J. ì mnmar {d{z : ì mnmar {d{z Ho$ g ~ Y ~mμoma yë H$mo ~hr A {H$V {H$ m OmVm h Am a n[aum r bm^ m hm{z H$mo Am {ddau A{^bopIV {H$ m OmVm h. {d{z H$s g m{ßv na àmßv bm^ m hm{z H$mo VmËH$m{bH$ Am m ì Ho$ ê$n A{^{bpIV {H$ m OmVm h. 4) AMb AmpñV m / yë õmg VWm n[aemoyz (I) AMb AmpñV m (H$) ~ H$ n[aga nyu ñdm{ Ëddmbr g n{îm Am a nå>m- Y {V g n{îm em{ b h. IarXr JB Am a Am~ {Q>V ^y{ Am a ^dzm H$m, H$amaZm m /Am~ {Q>V nìm Am a dmñv{dh$ H$ãOm Ho$ AmYma na n OrH$aU {H$ m J m h. AÝ AMb AmpñV H$mo CZHo$ BñVo mb H$s VmarI go ny OrH $V {H$ m OmVm h. yë m {H$V n[aga Am a AÝ AMb AmpñV m H$mo N>moS>H$a n[aga Am a Xÿgao AÝ AMb AmpñV m H$mo CZH$s Eo{Vhm{gH$ bmjv na Xem m J m h. Eogr AMb AmpñV m H$mo nwz y ë m {H$V ah$ Ho$ AmYma na Xem m J m h. (I) nå>o na /{H$amE na br JB g n{îm Ho$ g ~ Y ny OrJV AmpñV m Ho$ A{^J«hU Ho$ {be {H$E JE A{J«^wJVmZ H$mo "AÝ AmpñV m ' Ho$ A VJ V aim J m h. I) yë õmg /n[aemoyz (H$) Hw$N> g n{îm m H$s gpå l bmjv g{hv Ohm ^y{ bmjv H$m n W³H$aU H$aZm g ^d Zht h, H $ß yq>am go {^Þ AMb AmpñV m H$m "Am H$a {Z 1961' Ho$ A VJ V õmg mz g VwbZ nõ{v Ho$ AmYma na {ZYm [av Xa go yë õmg {H$ m J m h. H $ß yq>am H$m yë õmg, gryr aoim nõ{v Ho$ AmYma na 33.33% à.d. H$s Xa go {H$ m J m h. IarX Ho$ df A yv AmpñV m Ho$ ê$n mzo JE AÝ gm âq>do a IMm] H$mo {Ogo A yv AmpñV Ho$ ê$n mzm OmVm h, 100% na n[aemo{yv {H$ m J m h. {dîmr df Ho$ Xm amz AMb AmpñV m {H$E JE OmoS> na 113

120 dm{f H$ [anmoq> yë õmg, {ZYm [av yë õmg Xa Ho$ 100% H$s Xa go {H$ m J m h ~ev} {H$ df Ho$ Xm amz AmpñV m H$m 180 {XZ d Cggo A{YH$ {XZm Ho$ {be Cn moj {H$ m J m hmo Am a {ZYm [av yë õmg Xa Ho$ 50% H$s Xa go Cn moj {H$ m J m h ~ev} {H$ df Ho$ Xm amz AmpñV m H$m 180 {XZm go H$ g VH$ Cn moj {H$ m J m hmo. {~H«$s/{ZnQ>mZ df H$moB yë õmg Zht {H$ m J m h. (I) n[agam Ho$ g ~ Y nwz y ë m {H$V am{e na d {Õerb yë õmg nwz y ë m H$Z Ama{jV ImVo go g m mo{ov {H$ m J m h VWm bm^ d hm{z ImVo O m {H$ m J m h. 5) nå>o na Xr JB AmpñV m : boimh$au mzh$ 19 Ho$ AZwgma nå>mjv AmpñV m H$m boimh$au {H$ m J m h. J a-{zînmxh$ AmpñV m Ho$ g ~ Y àmdymz H$aVo g A{J«m Ho$ {be ^mavr [aμod ~ H$ Ûmam {ZYm [av AmpñV m Ho$ djuh$au go g ~ {YV mzx S> AnZmE JE h. 6) J a-~ qh$j AmpñV m± J a ~ qh$j AmpñV m H$mo CZH$s bmjv na Xem m J m h. 7) A{J«^maVr [aμod ~ H$ Ho$ {Xem{ZX}emZwgma, A{J«m H$m djuh$au A~ VH$ H$s J r dgy{b m H$mo Ü mz aivo hþe mzh$, Ad mzh$, g {X½Y VWm hm{znah$ AmpñV m Ho$ ê$n {H$ m OmVm h. J a- {ZînmXH$ AmpñV m Ho$ {be àmdymz ^mavr [aod ~ H$ Ho$ {Xem{ZX}emZwgma {H$ m OmVm h. (H$) ^mavr [aod ~ H$ Ho$ mj {ZX}emZwgma, yb YZam{e/ã mo H$s dgybr Ho$ AmYma na A{J«m H$m "{ZînmXH$', "J a- {ZînmXH$' AmpñV m Ho$ ê$n djuh$au {H$ m J m h VWm A{J«m H$mo AnMm[aVm g ~ Yr ^m.[a.~ Ûmam {ZYm [av mzxês>m Ho$ AZwgma "J a-{zînmxh$ AmpñV m ' Ho$ ê$n djuh$au {H$ m J m h. amá gah$ma Ûmam Jma Q>rH $V A{J«m Ho$ g ~ Y ImVm H$m J a-{zînmxh$ AmpñV Ho$ ê$n djuh $V H$aZo Ho$ m bo Jma Q>r bmjy H$aZo H$s Anojm H$mo n WH$ H$a {X m J m h. J a{zînmxh$ AmpñV m H$mo àmdymz H$s g JUZm H$aZo Ho$ {be Ad mzh$ g {X½Y Am a hm{z AmpñV m Ho$ ê$n djuh $V {H$ m OmVm h. VwbZ-nÌ Xem E JE A{J«(AñWm r àmdymzm g{hv) J a-{zînmxh$ AmpñV m, CM V ã mo VWm àmßv B grorgr/ S>rAmB grorgr, Xmdm Ho$ g ~ Y {Zdb àmdymz h. (I) A{J«m à^md A VaU à munì (nrq>rgr) ~ H$ H$s gh^m{jvm/ mojxmz VWm/ m AÝ ~ H$m /{dîmr g ñwmam Ho$ F$U AmpñV m Ho$ AmpñV g {W V g ZwXoeZ Ohm ~ H$ Zo OmopI gh^mjr AmYma na H$m {H$ m h. (J) nyd dfm] ~Å>o ImVo S>mbo JE AemoÜ F$Um Ho$ à{v H$s J r dgybr H$mo bm^ d hm{z ImVo S>mbm OmVm h. (K) mzh$ A{J«m na àmdymz H$mo "AÝ Xo VmE Am a àmdymz' Ho$ A VJ V Xem m J m h. (S>.) A{J«m na àmdymz, ^m.[a.~ H$ Ho$ mj {ZX}em Ho$ AZwgma {ZåZmZwgma {H$ m J m h : 1. mzh$ AmpñV m± : dv mz ^m[a~ H$ {Xem{ZX}em Ho$ AZwgma àmdymz {H$ m OmVm h. 2. Ad mzh$ AmpñV m± : ~H$m m A{J«H$m 15%. VWm{n, Ad mzh$ AmpñV m Ho$ m bo {OgH$s nhmmz ewê$ go "à{v^y{v a{hv {Zdoe' Ho$ ê$n H$s JB h ~H$m m eof H$m 25% H$m àmdymz {H$ m J m h. 3. g {X½Y AmpñV m± : {OVZr Ad{Y Ho$ {be AmpñV m g {X½Y ahr hm CgHo$ AmYma na à{v^yv A e Ho$ 25% go 100% VH$ Am a S>rAmB grorgr moozm Ho$ g ~ Y dgyb H$s J r am{e H$m Am a B grorgr/ groregq>ramb moozm Ho$ A VJ V a{jv dgyb H$s JB /H$aZo mo½ Jma Q>r H$m {Zdb {ZH$mbZo Ho$ ~mx ~H$m m eof am{e Ho$ J a-o mzvr A e H$m 100%. 4. hm{znah$ AmpñV m± : ~H$m m A{J«H$m 100%. M) nwzgªa{mv/nwz{z Ym [av ImVo : nwzgªa{mv/nwz{z Ym [av ImVm Ho$ g ~ Y ^mavr [aod ~ H$ Ûmam Omar A{J«H$s nwzgªamzm Ho$ gm mý T>m Mo Ho$ AZwgma nwzgªa{mv yë Ho$ C{MV yë õmg H$mo Xÿa H$aZo Ho$ {be àmdymz {H$E JE h. C{MV yë õmg H$m àë oh$ VwbZ-nÌ VmarI na nwz:n[ah$bz {H$ m OmVm h O~{H$ g^r MwH$m Vr ~mü VmE g VmofOZH$ VarHo$ go nyar H$s OmVr h VWm ~H$m m am{e H$s nyar MwH$m Vr H$s OmVr h Vm{H$ AmYma Xa, gmd{y àr{ VWm CYmaH$Vm Ho$ F$U g dj n[adv Z Ho$ H$maU C{MV yë na hþe n[adv Z H$mo em{ b {H$ m Om gho$. nwzgªa{mv ImVm H$m djuh$au ^mavr [aμod ~ H$ Ho$ {ZX}emZwgma {H$ m J m h. 114

121 s s s m m s a V 8) amoñd {ZYm au ZrMo C{ëbpIV m bm H$mo N>moS>H$a Am H$mo Cn{MV AmYma na boim ~Õ {H$ m J m h : (H$) J a-{zînmxh$ AmpñV m Ho$ m bo, ^m.[a.~ H$ Ho$ mj {ZX}em Ho$ AZwgma ZH$Xr AmYma na Am H$m {ZYm au {H$ m J m h. Ohm AJa {Z Z Ho$ ê$n EZnrE ImVm H$s lour ~T>mZo Ho$ {be dgybr n m ßV Z hmo dhm Eogr dgybr H$m g~go nhbo yb YZam{e /~hr eofam{e Ho$ à{v Am a ~mx ã mo g ~ Yr Xo VmAm Ho$ à{v {d{z moj {H$ m J m h. J a-{zînmxh$ {d{zdoe Ho$ g ~ Y Cn w ³V boimh$au àumbr AnZm r OmVr h. (I) å ymwab $S> y{zq>m, ~r m Ed {ZjonmJma gh^mjr H$mamo~ma na H$ rez, ì mnmar ~ qh$j bozxoz, gm mý ~r m H$amo~ma, wðm A VaU godme, å ymwab $S> CËnmXm H$s {~H«$s, bm H$a {H$am m, gah$mar H$amo~ma na H$ rez Am{X go àmßv Am H$mo ZH$X/dgybr AmYma na boim~õ {H$ m OmVm h. (J) J a-{z{y AmYm[aV H$mamo~ma go A{O V H$ rez AWm V gmi nì VWm ~ H$ Jma {Q> m H$m n[ah$bz ZH$X AmYma na {H$ m OmVm h. (K) à{v^y{v m na Xo na Vw 90 {XZm Ho$ ~mx ^r AXÎm ã mo H$m, ^m.[a.~ H$ Ho$ mj {ZX}e Ho$ AZwgma dgybr AmYma na {ZYm au {H$ m J m h. (S>) wh$x m Xm a ImVm Ho$ m bm {d{y à^ma bm^ hm{z ImVo S>mbm OmVm h. Bgr àh$ma Eogo wh$x m Xm a ImVm Ho$ m bm dgybm J m {d{yh$ ì H$mo Am Ho$ ê$n {b m OmVm h. (M) bm^m e H$mo df Am Ho$ ê$n nhmmzm OmVm h Vm{H$ bm^m e àmßv H$aZo H$m A{YH$ma ñwm{nv hmo. 9) {Zdb bm^ {Zdb bm^ {ZYm [av H$aZo go nhbo {ZåZ{bpIV {H$E JE: (H$) gm {d{yh$ AnojmAm Ho$ AZwgma Am H$a Am a YZ H$a Ho$ {be àmdymz (I) A{J«/{d{Zdoe Ho$ {be àmdymz (J) {d{zdoe Ho$ yë g m mooz (K) àmdymz Am a AmH$pñ H$ ì A VaU (S>) ^mavr [aμod ~ H$ Ho$ mzxês>m Ho$ AZwgma N>: mh go A{YH$ Ad{Y Ho$ {be Ag m mo{ov A Va emim boim Ho$ {be àmdymz (M) AÝ gm mý d Amdí H$ àmdymz 10) H$ Mmar g ~ Yr bm^ (H$) H$ Mm[a m Ho$ g ~ Y {ddmx/g Pm Vo go CËnÞ hmozodmbo Xmdm H$m A {V {ZnQ>mZ/{ZYm au df boim {H$ m OmVm h. (I) {OZ H$ Mm[a m Zo ^{dî {Z{Y moozm MwZr h, CZHo$ g ~ Y ~ H$ Ûmam ^{dî {Z{Y H$mo mý Vm XoZo hovw {ZYm [av WmZwnmV A exmz {H$ m OmVm h. Xÿgam Ho$ m bo, {OÝhm Zo n ez moozm AnZmB h CZHo$ m bo boimh$au mzh$ 15 Ho$ AZwgma, ~r m {H$H$ yë m H$Z Ho$ AmYma n ez {Z{Y A exmz {H$ m OmVm h. (J) CnXmZ {Z{Y A exmz, boimh$au mzh$ 15 Ho$ AZwgma ~r m {H$H$ yë m H$Z Ho$ AmYma na {H$ m J m h. (K) Nw>Å>r ZH$XrH$aU Ho$ g ~ Y Xo Vm, boim mzh$ 15 Ho$ AZwgma ~r m {H$H$ yë m H$Z Ho$ AmYma gm{yh$ma Nw>Å>r àxmz {H$ m OmVm h. {ddau {ZåZmZwgma h XrKm d{y H$ Mmar bm^ XrKm d{y H$ Mmar bm^ (H$ Mmar H$s godmh$mb H$s Ad{Y Ho$ g mnz go ~mah mh Ho$ A V Xo bm^) VWm nx {Z mooz bm^ (godmh$mb Ho$ g mnz Ho$ ~mx Xo bm^), n[a mo{ov BH$mB F$U àumbr Ûmam dm{f H$ V Vr nj dmñv{dh$ yë m H$Z Ho$ AmYma na, ~Å>mJV AmYma na {X m OmVm h. ~ H$ dmñv{dh$ yë m H$Z Ho$ AZwgma {ZåZ XrKm d{y H$ Mmar bm^ àxmz H$aVm h 1. Nw>Å>r ^wzmzm àë oh$ dfmªv VwbZ nì VmarI H$mo àmßv V Vr njh$ma dmñv{dh$ yë m H$Z na AmYm[aV g ~ {YV H$ Mm[a m Ûmam godm àxmz H$s OmVr h Cg df Nw>Å>r ^wzmzo Ho$ à{v AmñW{JV nmìvm Ho$ H$maU Cn{MV Xo Vm Ho$ {be ~ H$ àmdymz H$aVm h. 2. ~r mar Nw>Å>r : ~r mar Nw>Å>r Ho$ {be àmdymz Zht {H$ m OmVm h. 3. n ez àë oh$ dfmªv VwbZ nì VmarI H$mo àmßv dmñv{dh$ yë m H$Z na AmYm[aV n ez Ho$ {be {OZ H$ Mm[a m Zo {dh$ën {X m h, Ho$ H$maU Cn{MV Xo Vm Ho$ {be ~ H$ àmdymz H$aVm h. 4. CnXmZ àë oh$ dfmªv VwbZ nì VmarI H$mo àmßv dmñv{dh$ yë m H$Z na AmYm[aV CnXmZ Xo Vm Ho$ {be ~ H$ àmdymz H$aVm h. n ez VWm CnXmZ A exmz ñd-ì dpñwv Ý mgm A V[aV h. 115

122 dm{f H$ [anmoq> ) H$a {ZYm au Ho$ {be àmdymz H$a ì dv mz Ed AmñW{JV H$a em{ b h. dv mz Am H$a H$m n[ah$bz Am H$a A{Y{Z 1961 Ho$ AZwgma H$a àm{yh$m[a m H$mo ^wjvmz H$s OmZodmbr Ano{jV am{e go {H$ m OmVm h. AmñW{JV Am H$a df Ho$ {be H$a mo½ Am VWm boim H$Z Am Ho$ ~rm Ho$ g dv mz df Ho$ g A Vamb H$m à^md VWm nyd dfm] Ho$ g A Vamb H$m àë mdv Z à{v ${bv H$aVm h. AmñW{JV H$a H$m n[ah$bz VwbZ nì VmarI H$mo A{Y{Z { V m yb ê$n go A{Y{Z { V H$a Xam VWm H$a H$mZyZ Ho$ AmYma na {H$ m OmVm h. 12) hm{z àë oh$ VwbZ nì ~mø/am V[aH$ VËd na AmYm[aV hm{z H$s H$moB gymzm Ho$ {be AmpñV m H$s Tw>bmB JB am{e H$s g rjm H$s OmVr h. O~ ^r {H$gr AmpñV H$s Tw>bmB JB am{e AZw m{zv dgybr mo½ am{e go A{YH$ hmo Vmo AZO H$ hm{z hmovr h. 13) I S> [anmo{qª>j : ^mavr [aμod ~ H$ Ûmam Omar mj {ZX}emZwgma ~ H$ Zo {ZåZmZwgma I S> [anmo{qª>j ewê$ H$s h. 1. IOmZm : {Og g^r {Zdoe g {d^mj, {Zdoem H$s {~H«$s na bm^/hm{z, {dxoer {d{z bozxozm na bm^/hm{z, B p³dq>r, ì wënþ VWm wðm ~moma n[ammbzm go Am em{ b h. Bg I S> Ho$ ì ~mø òmovm d Am V[aH$ òmovm go CYma {be JE {Z{Y na ã mo ì VWm n[an¹$ hmozo VH$ Ym[aV {Zdoe lour na yë õmg/àr{ H$m n[aemoyz em{ b h. 2. H$m nm}aoq>/wmoh$ ~ qh$j H$m nm}aoq> J«mhH$m go CYma VWm O mam{e VWm I S> Ho$ A{^kßV AO Z VWm ì em{ b h. 3. IwXam ~ qh$j IwXao J«mhH$m go CYma VWm O mam{e VWm I S> Ho$ A{^kßV AO Z VWm ì em{ b h. 4. AÝ ~ qh$j n[ammbz IOmZm, WmoH$ ~ qh$j VWm IwXam ~ qh$j Ho$ AYrZ em{ b Zht {H$E JE AÝ g^r n[ammbz em{ b h. 14) à{veo a Am : à{v eo a AO Z H$m n[ah$bz B p³dq>r eo a YmaH$m Ho$ {be {ZYm [av Ad{Y Ho$ {be {Zdb bm^ m hm{z (A{Y mý bm^m e VWm Cg na mo½ H$a H$s H$Q>m Vr Ho$ ~mx) H$m Ad{Y Ho$ Xm amz ~H$m m B p³dq>r eo a Ho$ ^m[av Am gv g» m go {d^m{ov H$aVo hþe {H$ m OmVm h. à{v B p³dq>r eo a H$ hþe AO Z H$m n[ah$bz B p³dq>r eo am H$s ^m[av Am gv g» m VWm dfmªv ~H$m m H$ hmozo dmbo g ^m{dv B p³dq>r eo a go {H$ m OmVm h. 15) AmH$pñ H$ Xo VmE d àmdymz : 1. nyd KQ>Zm Ho$ $bñdê$n hþe Xm{ Ëd Ho$ H$maU àmdymz H$mo A{^kßV {H$ m OmVm h. h EH$ g ^mdzm h {H$ Xm{ Ëd H$m {ZnQ>mZ H$aZo Ho$ {be g gmyzm Ho$ ~mø àdmh H$s Amdí H$Vm h {OgHo$ {be {dídñv AZw mz bjm m Om gh$vm h. àmdymzm H$m dv mz yë go ~Å>mJV Zht {H$ m OmVm h VWm VwbZ nì VmarI H$mo Xm{ Ëd H$m {ZnQ>mZ H$aZo Ho$ {be Ano{jV gdm}ëh $îq> AZw mz Ho$ AmYma na n[ah$bz {H$ m OmVm h. àë oh$ VwbZ nì VmarI H$mo BZH$s g rjm H$s OmVr h VWm dv mz gdm}ëh $îq> AZw mz n[ab{jv H$aZo Ho$ {be BZH$m g m mooz {H$ m OmVm h. 2. VwbZ nì H$s VmarI H$mo gah$mar à{v^y{v m VWm AÝ {ZnQ>mZ hovw b {~V bozxozm H$mo VwbZ-nÌ Ho$ ~mø Xm Ho$ ê$n AmH$pñ H$ AmpñV m VWm Xo VmE erf Ho$ AYrZ Xem m J m h. 16) ZH$Xr àdmh {ddaur ZH$Xr àdmh {ddaur ZH$Xr VWm ZH$Xr g Vwë am{e ^mavr [aμod ~ H$ Ho$ nmg air J r eofam{e VWm ~ H$m eofam{e d m J Am a Aën gymzm na à{vxo am{e em{ b h. 17) ~ H$ Zo {d{z m H$ n[adv Z g{hv, {X H$moB h, Ho$ AYrZ {nn>bo dfm] Ho$ g mz boim H$Z Zr{V H$m nmbz {H$ m h. 116

123 e Z Z d s m Z J AZwgyMr - 18 : boim na {Q>ßn{U m 1. A Va emim Am a AÝ boim H$mo ~H$m m à{d{îq> m H$m g mymz H$a {X m J m h. A Va emim Am a A Va ~ H$ boim, S >mâq> boim, CM V boim, emim g m mooz boim, g memoyz boz-xoz, {Z{Y A VaU, àxîm/àxo bm^m e/ã mo ^wjvmz AmXoem go g ~ {YV eofam{e m, AmpñV m Ho$ AO Z hovw àxîm A{J«m Am{X g{hv A Va emim Am a A Va ~ H$ boim ~H$m m à{d{îq> m Ho$ { bmz H$m H$m VH$ g mßv hmo MwH$m h. ~ H$ H$s am amoñd/ampñv m /Xo VmAm na D$na C{ëbpIV ~mvm H$m n[aum r à^md, àë j ê$n go Zht hmojm. 2. ~ H$ Ûmam IarXo JE Hw$N> n[agam Ho$ g ~ Y {OZH$s bmjv `3.56 H$amo S>> h ({nn>bo df é 3.96 H$amo S>>) {d{dy {ddmx m AÝ Am nmm[ah$vmam Ho$ b {~V hmovo hþe àboiz/n OrH$aU g ~ Yr Am nmm[ah$vme A^r nyar H$s OmZr h. 3. CZ emimam Ho$ g ~ Y {OZH$s boim narjm Zht hþb h, g ~ {YV emime Ohm boim narjm hþb h, dhm g dvu boim narjh$m Ûmam noe H$s JB {dda{u m /A{J«m H$m djuh$au AnZm m J m h. 4. B grorgramb {b. Ho$ nmg b {~V VWm {dmmamw ào{fv ` H$amo S>> Ho$ Xmdo ^r ({nn>bo df ` H$amo S>>), àmdymz Ho$ n[ah$bz H$aZo H$s Ñ{îQ> go dgybr mo½ g Po JE h. 5. ~ H$ Ho$ nj {ZU m H$mo Ü mz aivo hþe {ddmxmñnx H$a Xo VmAm Ho$ g ~ Y à~ YZ Ûmam {H$E JE àmdymzm H$mo N>moS>μH$a {H$gr AÝ àmdymz H$mo Amdí H$ Zht g Pm J m h. AmJo, àmßv {d{yh$ V Ho$ AmYma na Am H$a A{Y{Z Ho$ AYrZ Hw$N> Xmdm Ho$ g ~ Y H$a àmdymzm H$m n[ah$bz H$aVo g Hw$N> H$Q>m {V m na {dmma {H$ m J m h. 6. ^mavr ~ H$ g K (AmB ~re) Ho$ nì g.brjb/gramb Ama {XZm H$ 03 mm, 2015 Ho$ AZwgma, H $nzr H$m Ìmb (E gre) Zo nam e {X m h {H$ Ohm VH$ ~ H$ H $nzr Ho$ ê$n n OrH $V Zht h Am a amîq >r H $V ~ H$m Ho$ g ~ Y, H$mnm}aoQ> gm m{oh$ Xm{ Ëd bmjy Zht hmovo, Š m {H$ do H $nzr A{Y{Z Ho$ AYrZ n OrH $V Zht h. 7. df Ho$ Xm amz ~ H$ Zo AnZr {Q> a 1 ny Or H$mo gwñt> ~ZmZo VWm ~ H$ H$s d Õr Ho$ g W Z VWm AÝ gm mý CXoí m Ho$ {be Ah Vm àmßv g ñwmjv {Z w{³v (Š yamb nr) Ho$ O[aE é 10 A {H$V yë VWm é àr{ Ho$ 11,10,22,997 B p³dq>r eo a Omar H$aVo hþe Hw$b ` 699,99,99 bmi OwQ>m m. BgHo$ Ambmdm ~ H$ Zo df Ho$ Xm amzm ^mav gah$mam H$mo é 10 A {H$V yë VWm é àr{ g{hv A{O mý eo am Ho$ VhV 19,42,79,628 B p³dq>r eo a Omar H$aVo hþe Hw$b ` H$amo S>> OwQ>m m. ~ H$ Zo m Jm {dh$ën Ho$ VhV Hw$b H$amo S>> Ho$ CƒVa {Q> a II lw Ibm ~m S> H$mo [as>r {H$ m. 8. df Ho$ Xm amz mb VWm godm H$a (OrEgQ>r) H$m H$m mªd Z {H$ m J m VWm Am H$mo OrEgQ>r Ho$ gmw OmoSH$a godm H$a Ho$ boim H$Z à{h$ m Ho$ AZwê$n Xem m J m h. 9. ^mavr [aod ~ H$ Ho$ {XZm H$ 7 Aà b 2016 Ho$ n[anì ^mavr [aoadm ~ H$ / / 366 E $AmB S>rS>r.grAmo/ moozm ~rgr 23/ / Ho$ AZwgmam ~ H$m H$mo àmw{ H$Vm joì CYma à mu nì (nregebgr) H$mo Omar H$aZo VWm BZ à mu nìm Ho$ H«$ / {dh«$ H$aVo hþe AnZo àmw{ H$Vm joì g {d^mj H$mo ì mnma H$aZo H$s AZw {V h. df Ho$ Xm amz ~ H$ ` 981 H$amoS> yë Ho$ nregebgr H$s IarX H$s {H$gr ^r àh$ma H$s nrgrebgr H$m {dh«$ Zht {H$ m J m. 10. ^mavr [aμod ~ H$ Ûmam Omar mj {ZX}em Ho$ AZwgma {ZåZ{bpIV àh$q>z {H$E OmVo h : i) ny Or (`H$amo S>m ) H«$ g. {ddau gramaeama (%) ~ogb II ~ogb III* gramaeama - {Q> a I ny Or (%) gmymau B p³dq>r {Q> a I ny Or (%) ~ogb III* gramaeama - {Q> a I ny Or (%) ~ogb II ~ogb III gramaeama - {Q> a II ny Or (%) ~ogb II ~ogb III *~ogb III Q>m a I Am a ny Or g aju ~ $a (grgr~r) g{hv gramaeama AZwnmV Wm {XZm H$ H$mo 1.25% Ed Wm {XZm H$ H$mo 1.875% h 117

124 dm{f H$ [anmoq> ~ogb III (`H$amo S>m ) H«$ g. {ddau i) gm mý B p³dq>r {Q> a 1 ny Or AZwnmV (%) ii) {Q> a 1 ny Or AZwnmV (%) iii) {Q> a 2 ny Or AZwnmV (%) iv) Hw$b ny Or AZwnmV (gramaeama) (%) v) gmd O{ZH$ joì Ho$ ~ H$m ^mav gah$ma H$s eo aym[avm H$s à{vevvm vi) OwQ>mE JE B p³dq>r ny Or H$s am{e (` H$amo S>m ) ( X g.12 (iv) Ho$ g X^ b ) vii) OwQ>mE JE A{V[a³V {Q> a 1 ny Or H$s am{e {OZ go nrezgrnreg : nrs>ramb : OwQ>mE JE {Q> a 2 ny Or H$s am{e {OZ go F$U ny Or {biv (` H$amo S>m ) : A{Y mzr eo a ny Or {biv : (~o{ mxr g M r A{Y mzr eo a (nrgrnreg)/à{vxo J ag M r A{Y mzr eo a (AmaEZgrnrEg)/à{VXo g M r A{Y mzr eo a (AmagrnrEg)) *eo a àr{ g{hv ii) {Zdoe (i) {Zdoem Ho$ {ddau (` H$amo S>m ) H«$ {ddau g. 1. {Zdoe H$m yë ** {Zdoe H$m gh$b yë ^mav ^mav Ho$ ~mha eyý eyý yë õmg VWm EZnrAmB yë õmg Ho$ {be àmdymz (J a-{zînmxh$ {Zdoe)* ^mav ^mav Ho$ ~mha eyý eyý {Zdoe H$m {Zdb yë ^mav ^mav Ho$ ~mha eyý eyý 2. {Zdoe na yë õmg Ho$ à{vym[av àmdymzm H$m CVma-MT>md AWeof OmoS> : i) df Ho$ Xm amz {H$ m J m àmdymz ii) {Zdoem Ho$ {epâq> J H$ r - - KQ>mE : df Ho$ Xm amz A{YH$ àmdymz H$mo An{bpIV H$aZm/à{VbopIV H$aZm B{V eof Wm H$mo {Zdoe Ho$ gh$b yë ` 3435 H$amo S>> ({nn>bm df `300 H$amo S>>) H$m ~H$m m EbEE $ [anmo VWm ~H$m m E EgE $ ` eyý ({nn>bm df ` eyý ` H$amo S>> H$m A mzh$ aonmo ({nn>bo df `6857H$amo S>>) VWm ~H$m m gr~rebamo ` eyý ({nn>bm df ` H$amo S>>) h. * EZnrAmB Ho$ ` H$amo S>> ({nn>bm df ` H$amo S>>) Ho$ àmdymz g{hv ** AmaAmB S>rE $ {Zdoem H$mo N>moS>H$a.

125 ii) iii) [anmo bozxz Ho$ {ddau (EbEE $ [anmo Ho$ AYrZ ^m.[a.~ H$ go àmßv g{hv) {ZåZmZwgma h : (` H$amo S>m ) ã m ao df Ho$ Xm amz ~H$m m Wm Ý yzv A{YH$V X {ZH$ Am gv H$mo [anmo Ho$ A VJ V ~omr JB à{v^y{v m 1) gah$mar à{v^y{v m 2) H$mnm}aoQ> F$U à{v^y{v m [adg [anmo Ho$ A VJ V IarXr JB à{v^y{v m 1) gah$mar à{v^y{v m 2) H$mnm}aoQ> F$U à{v^y{v m eyý 0.00 eyý eyý eyý eyý eyý eyý eyý (` H$amo S>m ) ã m ao df Ho$ Xm amz ~H$m m Wm H$mo Ý yzv A{YH$V X {ZH$ Am gv [anmo Ho$ A VJ V ~omr JB à{v^y{v m 1) gah$mar à{v^y{v m 2) H$mnm}aoQ> F$U à{v^y{v m [adg [anmo Ho$ A VJ V IarXr JB à{v^y{v m 1) gah$mar à{v^y{v m 2) H$mnm}aoQ> F$U à{v^y{v m eyý 0.00 eyý eyý eyý eyý eyý eyý eyý J a-egebama {Zdoe g {d^mj J a-egebama {Zdoe H$s OmarH$Îmm g amzm (` H$amo S>m ) H«$ g. OmarH$Vm am{e {ZOr {Z mooz H$s gr m {Zdoe lour go {ZåZ à{v^y{v m H$s gr m "lour a{hv' à{v^y{v m H$s gr m "gymr a{hv' à{v^y{v m H$s gr m (1) (2) (3) (4) (5) (6) (7) (i) nreg y (ii) {dîmr g ñwme ** (iii) ~ H$ (iv) {ZOr H $nzr (v) AZwf Jr/g w³v CÚ (vi) AÝ (vii) yë õmg/eznramb Ho$ XXX XXX XXX XXX à{v Ym[aV àmdymz Hw$b * ZmoQ> : (1) * H$m b 3 Ho$ VhV Hw$b, VwbZ nì H$s AZwgyMr 8 {ZåZ{bpIV djm] Ho$ A VJ V em{ b Hw$b {Zdoem go ob ImZm Mm{hE. 119

126 dm{f H$ [anmoq> H$) eo a I) {S>~ Ma Am a ~m S> J) AZwf Jr / g w³v CÚ K) AÝ (2) Cnamo³V H$m b 4, 5, 6 VWm 7 Ho$ AYrZ [anmoq> H$s J r am{e nañna AZÝ Zht hmo gh$vr h. (3) H$mb (6) loura{hv à{v^y{v ~H$m m am{e Ho$ g n[adv Z Amd {Q>V ` H$amo S>> Ho$ {deof amá gah$ma à{v^y{v, `1277 H$amo S>> Ho$ B p³dq>r eo a, ` H$amo S>> H$s CÚ ny Or, `17.70 H$amo S>> H$m å ymwab $S>, `5.00 H$amo S>> H$s à{v^y{v agrx ` VWm ` H$amo S> H$m {S>ñH$m ~m S> em{ b h. ** Wm {XZm H$ 31 mm 2018 AmaAmB S>rE $ Ho$ AYrZ ` H$amo S>> H$m {Zdoe em{ b Zht h. H$) J a {ZînmXH$ J a-egebama {Zdoe (` H$amo S>m ) ã m ao AWeof df Ho$ Xm amz n[ady Z Cnamo³V Ad{Y Ho$ Xm amz H$Q>m Vr B{Veof Hw$b Ym[aV àmdymz I) J a-{zînmxh$ {Zdoe Ho$ {be àmdymz CVma-MT>md (` H$amo S>m ) ã m ao AWeof OmoS> : df Ho$ Xm amz {H$E JE àmdymz KQ>mE : A{YH$ àmdymz H$mo An{bpIV H$aZm/à{VboIZ H$aZm B{Veof iv EMQ>rE lour H$mo / go {~H«$s Am a A VaU - df Ho$ Xm amz EMQ>rE lour Ho$ AYrZ ~omr JB à{v^y{v H$m ~hr yë df H$s ewê$amv EMQ>rE lour na Ym[aV {Zdoe Ho$ ~hr yë Ho$ 5% go A{YH$ h. Wm {XZm H$ H$mo EMQ>rE lour Ho$ {ddau hm ZrMo àñvwv h (` H$amo S>m ) H«$ g. ã m ao am{e 1. ~moma yë 22, ~hr yë 22, ~moma yë na ~hr yë A{YH$ hmozo na {OgHo$ {be àmdymz Zht {H$ m J m h EMQ>rE Ho$ AYrZ Ym[aV g^r EgEbAma à{v^y{v m E $AmB E E S>rE Xam Ho$ AZwgma yë {ZYm [av {H$ m J m h. 120

127 (V) ì wënþ : H$) dm Xm Xa H$ama/ã mo Xa ñd n (` H$amo S>m ) ã m ao H$. ñd n H$ama Ho$ AmZw m{zh$ yb YZam{e eyý I. BZ H$amam Ho$ AYrZ {X à{vnm{q > m AnZo Xm{ Ëdm H$mo Zht {Z^mVo eyý eyý h Vmo hmozodmbr hm{z J. ñd n àdoe H$aZo Ho$ {be ~ H$ H$mo Amdí H$ g nm{íd H$ à{v nm{q > m ~ H$ h Š m {H$ H$moB eyý g nm{íd H$ Amdí H$ Zht h K. ñd n go CËnÞ hmozodmbo F$U OmopI H$m H $ÐrH$aU {H$E JE ñd n ~mos> Ûmam AZw mo{xv eyý A Va ~ H$ gr m h, df Ho$ Xm amz {H$E JE AmB AmaEg go CËnÞ hmozo dmbo F$U OmopI H$s H$moB EH$mJ«Vm Zht h S>. ñd n ~hr H$m C{MV yë eyý I) {d{z ì mnm[av ã mo Xa ì wënþ (` H$amo S>m ) H«$ g. ã m ao (i) df Ho$ Xm amz {d{z ì mnm[av ã mo Xa ì wënþ H$s AZw m{zv yb am{e (ànìdma) eyý eyý (ii) 31 mm 2018 H$mo ~H$m m {d{z ì mnm[av ã mo Xa ì wënþ H$s AZw m{zv yb am{e (ànì-dma) eyý eyý (iii) ~H$m m {d{z ì mnm[av ã mo Xa ì wënþ H$s AZw m{zv yb am{e (ànì-dma) d "A{YH$ à^mdr' Zht h (ànì-dma) eyý eyý (iv) ~H$m m {d{z ì mnm[av ã mo Xa H$m ~mμoma yë d Omo "A{YH$ à^mdr' Zht h (ànì-dma) eyý eyý vi) vii) ^mavr [aod ~ H$ Zo {XZm H$ 2 Aà b, 2018 Ho$ AnZo n[anì g S>r~rAmaEZ.g ~rnr.~rgr.102 / / Ho$ O[aE o ~ H$m H$mo o {dh$ën {X m h {H$ do 31 {Xg ~a, 2017 d 31 mm, 2018, g mßv {V mhr {Zdoem na hþb ~moma hm{z m H$mo, {Og ì wënþ OmopI EŠgnmoOa na àh$q>rh$au H$) JwUmË H$ àh$q>rh$au : ~ H$ Zo S>b Ûmam AZw mo{xv, ^m.[a.~. Ho$ mj {ZX}em Ho$ AZwê$n OmopI à{vajm, ì mnma VWm J«mhH$ godm Ho$ {be ì wënþ bozxoz H$aZo Ho$ {be EH$ ì mnh$ ì wënþ Zr{V V ma H$s h. Zr{V ì wënþ bozxoz Ho$ {be g w{mv gr m g{hv àh$ma, Xm am Am a à moj g ~ Yr {Xem{ZX}e {XE JE h. n[ammbzmë H$ XjVm Am a OmopI g ~ Yr MyH$ H$mo Ôo ZμOa aivo hþe ì wënþ H$m «$Q> Am { $g, { S> Am { $g Am a ~ H$ Am { $g djuh $V {H$ m J m h VWm àë oh$ H$m g {d^mj ñnîq> {ZYm [av h. 121

128 dm{f H$ [anmoq> iii) I) n[a mumë H$ àh$q>rh$au (` H$amo S>m ) H«$ ã m ao wðm ì wënþ ã mo Xa ì wënþ g i) ì wënþ (AmZw m{zh$ yb am{e) eyý eyý eyý H$) à{vajm Ho$ {be eyý eyý 0.00 eyý I) ì mnma Ho$ {be eyý eyý eyý ii) ~moma pñw{v A {H$V (1) eyý eyý 0.00 eyý H$) AmpñV (+) eyý eyý 0.00 eyý I) Xo Vm (-) eyý eyý 0.28 eyý iii) F$U OmopI (2) eyý eyý 1.05 eyý iv) ã mo Xa 1% n[adv Z hmozo na g ^m{dv à^md (100 * nrdr 01) eyý eyý 3.86 eyý H$) à{vajm ì wënþ na eyý eyý 0.00 eyý I) ì mnma ì wënþ na eyý eyý 3.86 eyý v) df Ho$ Xm amz nm r J r A{YH$V d Ý yzv 100 * nrdr 01 eyý eyý 0.00 eyý H$) à{vajm na - A{YH$V eyý eyý 0.00 eyý Ý yzv eyý eyý 0.00 eyý I) ì mnma na - A{YH$V eyý eyý 4.92 eyý Ý yzv eyý eyý 0.41 eyý AmpñV JwUdÎmm H$) J a {ZînmXH$ AmpñV (` H$amo S>m ) ã m ao (i) {Zdb A{J«m Ho$ à{v {Zdb J.{Z.Am. (%) (ii) J.{Z.Am. H$m AmdmOmhr (gh$b) AWeof df Ho$ Xm amz n[ady Z df Ho$ Xm amz hþb H$ r B{Veof (iii) {Zdb J.{Z.Am. AmdmOmhr AWeof df Ho$ Xm amz n[ady Z/H$ r (158.66) B{Veof (iv) J.{Z.Am. Ho$ {be àmdymz H$m AmdmOmhr * AWeof df Ho$ Xm amz {H$E JE àmdymz ~Å>m ImVm S>mbZm B{Veof (* mzh$ AmpñV m na àmdymz H$mo N>moS>H$a d ApñWa àmdymz H$mo OmoS> H$a) 122

129 I) AmpñV djuh$au {dmbz Am a J a-{zînmxh$ AmpñV m Ho$ {be àmdymz (` 000 ) H«$ ã m ao am{e g. 1. ~ H$ Ûmam [anmoq> {H$E JE AZwgma Wm {XZm H$ H$mo gh$b EZnrE ^m[a~ H$ Ûmam AmH${bV {H$E JE AZwgma Wm {XZm H$ H$mo gh$b EZnrE gh$b EZnrE {dmbz (2-1) ~ H$ Ûmam [anmoq> {H$E JE AZwgma Wm {XZm H$ H$mo {Zdb EZnrE ^m[a~ H$ Ûmam AmH${bV {H$E JE AZwgma Wm {XZm H$ H$mo {Zdb EZnrE {Zdb EZnrE {dmbz (5-4) ~ H$ Ûmam [anmoq> {H$E JE AZwgma Wm {XZm H$ H$mo EZnrE Ho$ {be àmdymz ^m[a~ H$ Ûmam AmH${bV {H$E JE AZwgma Wm {XZm H$ H$mo EZnrE Ho$ {be àmdymz àmdymz {dmbz (8-7) dfmªv Ho$ {be [anmoq> {H$E JE H$a Ho$ ~mx {Zdb bm^ (nreq>r) dfmªv Ho$ {be [anmoq> {H$E JE g m mo{ov (AZw m{zh$) H$a Ho$ ~mx {Zdb bm^ (nreq>r) J) nwzgªamzm hovw F$U AmpñV m Ho$ {ddau (` H$amo S>m ) ã m ao H$. nwzgªamzm, nwzì dñwm, nwz:~mvmrv hovw F$U AmpñV m H$s Hw$b am{e CZ go grs>rama Ho$ AYrZ I. nwzgªamzm, nwzì dñwm, nwz:~mvmrv hovw mzh$ AmpñV m H$s am{e CZ go grs>rama Ho$ AYrZ J. nwzgªamzm, nwzì dñwm, nwz:~mvmrv hovw Ad mzh$ AmpñV m H$s am{e CZ go grs>rama Ho$ AYrZ K. nwzgªamzm, nwzì dñwm, nwz:~mvmrv hovw g {X½Y AmpñV m H$s am{e CZ go grs>rama Ho$ AYrZ ZmoQ>: (H$ = I + J + K) E EgE B ImVm Ho$ {be F$U nwzgªamzm ã m ao H$ nwzgªamzm Ho$ AYrZ E EgE B H$s AmpñV m H$s Hw$b am{e (I + J + K) I nwzgªamzm Ho$ AYrZ E EgE B H$s mzh$ AmpñV m H$s am{e J nwzgªamzm Ho$ AYrZ E EgE B H$s Ad mzh$ AmpñV m H$s am{e K nwzgªamzm Ho$ AYrZ E EgE B H$s g {X½Y AmpñV m H$s am{e

130 dm{f H$ [anmoq> K) X~mdJ«ñV AmpñV m (Eg4E) Ho$ gvv² nwzgªamzm Ho$ {be moozm H$m àh$q>z (` H$amo S>m o) ImVm H$s g» m Ohm ~H$m m Hw$b am{e ~H$m m am{e Ym[aV àmdymz Eg4E bmjy {H$ m J m h {dîm AmYm[aV J a-{dîm ^mj - H$ ^mj - I AmYm[aV mzh$ Ho$ ê$n djuh $V (1 ImVo) H$amo S>> ({Zdoe ` H$amo S>> Amdí H$Vm mzh$ AmpñV m H$m àmdymz ` 6.93 H$amo S>> EZnrE Ho$ ê$n o djuh $V (2 ImVo) H$amo S>> ({Zdoe é7.37 H$amo S>> EZnrE H$m àmdymz é H$amo S>>) * J a-{z{y AmYm[aV H$mo gpå {bv H$aVo hþe. L>) dv mz F$Um Ho$ Zå nwzgªamzm na àh$q>z (` H$amo S>m o) Ad{Y Zå nwzgªamzm Ho$ {be {be JE Zå nwzgªamzm Ho$ {be br JB am{e Zå nwzgªamzm Ho$ {be {be JE F$U H$m EŠgnmoOa ^m[av Am gv Ad{Y CYmaH$Vm Am H$s g» m mzh$ Ho$ ê$n djuh $V EZnrE Ho$ ê$n djuh $V Zå nwzgªamzm bmjy H$aZo Ho$ nyd Zå nwzgªamzm bmjy H$aZo Ho$ ~mx df df df df M>) gm [ah$ F$U nwzgªamzm moozm na àh$q>z (ImVo Omo dv mz WmdV pñw{v H$s Ad{Y h ) (` H$amo S>m o) EgS>rAma bmjy {H$E JE ImVm H$s g» m [anmo{qª>j {XZm H$ na ~H$m m am{e mzh$ Ho$ ê$n djuh $V EZnrE Ho$ ê$n djuh $V ImVo Ohm B p³dq>r Ho$ {be F$U H$m g n[adv Z b {~V h, Ho$ g ~ Y [anmo{qª>j {XZm H$ na ~H$m m am{e mzh$ Ho$ ê$n djuh $V EZnrE Ho$ ê$n djuh $V ImVo Ohm B p³dq>r Ho$ {be F$U H$m g n[adv Z {H$ m J m h, Ho$ g ~ Y [anmo{qª>j {XZm H$ na ~H$m m am{e mzh$ Ho$ ê$n djuh $V EZnrE Ho$ ê$n djuh $V eyý N>) EgS>rAma moozm Ho$ ~mha ñdm{ Ëd n[adv Z na àh$q>z (ImVo Omo dv mz WmdV pñw{v H$s Ad{Y h ) (` H$amo S>m o) CZ ImVm H$s g» m, Ohm ~ H$ Zo ñdm{ Ëd n[adv Z H$aZo H$m {ZU {b m h eyý [anmo{qª>j {XZm H$ na ~H$m m am{e mzh$ Ho$ ê$n djuh $V EZnrE Ho$ ê$n djuh $V ImVo Ohm B p³dq>r Ho$ {be F$U H$m g n[adv Z/ B p³dq>r eo am H$s {Jadr bmjy H$aZm b {~V h, Ho$ g ~ Y [anmo{qª>j {XZm H$ na ~H$m m am{e mzh$ Ho$ ê$n djuh $V EZnrE Ho$ ê$n djuh $V ImVo Ohm B p³dq>r Ho$ {be F$U H$m g n[adv Z {H$ m J m h / B p³dq>r eo am H$s {Jadr H$s JB h, Ho$ g ~ Y [anmo{qª>j {XZm H$ na ~H$m m am{e mzh$ Ho$ ê$n djuh $V EZnrE Ho$ ê$n djuh $V ImVo, Ohm ZE eo a Omar H$aZo m àdv H$m H$s B p³dq>r H$s {~H«$s Ûmam ñdm{ Ëd n[adv Z n[ah$pënv h, Ho$ g ~ Y [anmo{qª>j {XZm H$ na ~H$m m am{e mzh$ Ho$ ê$n djuh $V EZnrE Ho$ ê$n djuh $V 124

131 P) H$m m Ýd ZmYrZ n[a moozmam H$s ñdm{ Ëd n[adv Z H$m àh$q>z (ImVo Omo dv mz WmdV pñw{v H$s Ad{Y h ) n[a moozm F$U ImVm H$s g» m, Ohm ~ H$ Zo ñdm{ Ëd n[adv Z H$aZo H$m {ZU {b m h [anmo{qª>j {XZm H$ na ~H$m m am{e mzh$ Ho$ ê$n djuh $V mzh$ nwzgªamzm Ho$ ê$n djuh $V mzh$ nwzgªa{mv ImVm Ho$ {ddau, {OZHo$ Ho$ {be CƒVa nwzgªamzm àmdymz {H$ m OmZm h : Wm mm 2018 H$mo nwzgªa{mv ImVm H$m àh$q>rh$au eyý EZnrE Ho$ ê$n djuh $V (` H$amo S>m o) (` H$amo S>m ) H«$ nwzgªamzm H$m ñdê$n grs>rama V Ì Ho$ VhV (^mj J) EgE B F$U nwzgªamzm V Ì Ho$ VhV AÝ (^mj H$ d I) Hw$b g. AmpñV djuh$au mzh$ Ad mzh$ g {X½Y hm{z Hw$b mzh$ Ad mzh$ g {X½Y hm{z Hw$b mzh$ Ad mzh$ g {X½Y hm{z Hw$b mzh$ Ad mzh$ g {X½Y hm{z Hw$b ã m ao 1 Wm 1 Aà b 2017 H$mo nwzgªa{mv ImVo* CYmaH$Vm Am H$s g» m ~H$m mam{e Cg na àmdymz (Am{W H$hm{Z) {dîmr dj Ho$ Xm amz ZE {gao go nwzgªamzm CYmaH$Vm Am H$s g» m ~H$m m am{e Cg na àmdymz {dîmr df Ho$ Xm amz nwagªa{mv mzh$ dj Ho$ {be CÞ Z CYmaH$Vm Am H$s g» m ~H$m m am{e Cg na àmdymz nwzgªa{mv mzh$ A{J«m Omo {dîmr df Ho$ A V VH$ A{YH$ àmdymz VWm / m A{V[a³V OmopI ^ma AmH${f V Z H$aVm h Am a Bg{bE AJbo {dîmr df Ho$ àma ^ nwzgªa{mv mzh$ A{J«m Ho$ ê$n Xem Zo H$s Amdí H$Vm Zht h (31 mm 2016 go nhbo nwzgªa{mv ImVo) CYmaH$Vm Am H$s g» m ~H$m m am{e Cg na àmdymz {dîmr df Ho$ Xm amz nwzg a {MV ImVo H$m AdZ Z CYmaH$Vm Am H$s g» m ~H$m m am{e Cg na àmdymz {dîmr df Ho$ Xm amz ~Å>o ImVo S>mbo JE nwzgªa{mv ImVo CYmaH$Vm Am H$s g» m ~H$m m am{e {dîmr df 2018 Ho$ Wm 31 mm H$mo nwzgªa{mv ImVo * CYmaH$Vm Am H$s g» m ~H$m m am{e Cg na àmdymz * nwzgªamzm H$s VmarI m Xmo gmb ßbg A{YñWJZ Ad{Y go Xmo gmb nyao {H$E JE mzh$ nwzgªa{mv A{J«m Ho$ Am H$S>m H$mo N>moS>H$a, {X H$moB hmo Vmo 125

132 dm{f H$ [anmoq> Q>) AmpñV m nwz{z mu Ho$ {be à{v^yvrh$au H $nzr (Eg gr) / nwz{z m U H $nzr (Ama gr) H$mo {~H«$s H$s JB AmpñV m H$m {ddau (` H$amo S> ) H«$. {ddau g 1 ImVm H$s g» m eyý eyý 2 Eggr / Amagr H$mo ~omo JE ImVm H$s Hw$b yë ({Zdb àmdymz) eyý eyý 3 Hw$b à{v $b eyý eyý 4 {nn>bo dfm] H$s A V[aV ImVm Ho$ g ~ Y A{V[a³V à{v $b eyý eyý 5 {Zdb ~hr yë H$s Hw$b bm^/ hm{z eyý eyý R>>) à{v^y{vh$au H $nzr / nwz{z m U H $nzr H$mo {dîmr AmpñV m H$s {~H«$s : Vm{bH$m (i) (` H$amo S> ) H«$. g. {ddau {nn>bo 5 dfm] Ho$ ^rva Omar Eg Ama {nn>bo 8 dfm] Ho$ ^rva naývw 5 gmb go A{YH$ Omar H$s JB EgAma 8 gmb go A{YH$ Omar H$s JB EgAma 1 A V{Z {hv ê$n ~ H$m Ûmam {~H«$s H$s JB EZnrE eyý g {W V EgAma ~hr yë (1)* Ho$ à{v Ym[aV àmdymz eyý 2 A V{Z {hv ê$n AÝ ~ H$m /{dîmr g ñwm/ eyý eyý eyý J a-~ qh$j {dîmr H $nzr Ûmam {~H«$s H$s JB EZnrE g {W V EgAma H$s ~hr yë (2) Ho$ à{v Ym[aV àmdymz eyý eyý eyý Hw$b (1+2) eyý Vm{bH$m (ii) (` H$amo S> ) H«$ g {ddau {nn>bo 5 dfm] Ho$ ^rva Omar Eg Ama {nn>bo 8 dfm] 5 gmb go A{YH$ Omar H$s 8 gmb go nhbo Omar H$s JB Eg Ama JB Eg 1 A V{Z {hv ê$n ~ H$m Ûmam {~H«$s H$s JB mzh$ eyý eyý AmpñV m g {W V EgAma ~hr yë (1)* Ho$ à{v Ym[aV àmdymz eyý eyý 2 A V{Z {hv ê$n AÝ ~ H$m /{dîmr g ñwm/ eyý eyý eyý J a-~ qh$j {dîmr H $nzr Ûmam {~H«$s H$s JB mzh$ AmpñV m g {W V EgAma H$s ~hr yë (2) Ho$ à{v Ym[aV àmdymz eyý eyý eyý Hw$b (1+2) eyý eyý *Vm{bH$m (i) Am a (ii) Ho$ H$m b (1) Ho$ àmdymz Ho$ A{V[a³V, ~ H$ H$amo S> én o H$m àmdymz Ym[aV H$aVm h. 126

133 R>) S>) F$U MyH$ ñd n : eyý J a-{zînmxh$ {dîmr AmpñÎm m Ho$ H«$ / {~H«$s H$m {ddau i) J a-{zînmxh$ {dîmr AmpñÎm m Ho$ H«$ H$m {ddau (` H$amo S>m ) {ddau (H$) df Ho$ Xm amz IarXo JE ImVm H$s g» m eyý eyý (I) Hw$b ~H$m m eyý eyý 2 (H$) df Ho$ Xm amz nwzgªa{mv ImVm H$s g» m eyý eyý (I) Hw$b ~H$m m eyý eyý ii) {~H«$s {H$E JE A{ZînmXH$ {dîmr AmpñV m Ho$ {ddau (` H$amo S>m ) {ddau {~H«$s {H$E JE ImVm H$s g» m eyý eyý 2. Hw$b ~H$m m eyý eyý 3. àmßv Hw$b à{v $b eyý eyý Eogm H$moB m bm Zht h, Ohm ~ H$ Zo Xmo gmb go H$ r nmb h. T>) mzh$ AmpñV m Ho$ à{v àmdymz (` H$amo S>m ) {ddau mzh$ AmpñV m Ho$ à{v àmdymz Hw$b U) H$mamo~ma AZwnmV (` H$amo S>m ) {ddau H$m H$mar {Z{Y à{vev Ho$ ê$n ã mo Am 7.69% 8.14% J a-ã mo Am H$m H$mar {Z{Y à{vev Ho$ ê$n 0.98% 1.09% n[ammbzmë H$ bm^ H$m H$mar {Z{Y à{vev Ho$ ê$n 1.89% 1.59% Am gv AmpñV m na àm{ßv m 0.44% 0.49% à{v H$ Mmar Am gv H$mamo~ma (O mam{e m + A{J«)(é H$amo S>> ) à{v H$ Mmar {Zdb bm^ V. ^mavr [aod ~ H$ Ho$ {Xem{ZX}em Ho$ g X^ S>r~rAma g ~rnr / / {XZm H$ Am a S>r~rAma g. ~rnr.1926 / / {XZm H$ {Xdm{b mnz Am a {Xdm{b mnz H$moS> (AmB ~rgr) Ho$ VhV Hw$N> AZO H$ g n{îm ImVm Ho$ g ~ Y, ~ H$ Zo 31 mm 2018 VH$ àxmz {H$E OmZo dmbo ` bmim Ho$ A{V[a³V àmdymz H$mo nyar Vah go àxmz {H$ m h. Bg g ~ Y ^mavr [aod ~ H$ Zo {XZm H$ Ho$ n[anì g» m S>r~rAma. g.~rnr 8756 / / Ho$ AZwgma 50% go 40% VH$ àmdymz Amdí H$Vm H$mo H$ H$a {X m h & hmbm {H$, ~ H$ Zo Cnamo³V àmdymz H$mo H$ Zht {H$ m h Am a ~ZmE aim h. X. AmB ~rgr Ho$ VhV A{J«Ho$ g ~ Y, C{MV yë em{ b A{Z{íMVVm Ho$ g X^ CnbãY A{^boI Ho$ AZwgma gwajm Ho$ yë na àmdymz {H$ m J m h, {Ogo EZgrEbQ>r m bo Ho$ g mymz na $gbm {H$ m OmEJm. 127

134 dm{f H$ [anmoq> Y. ^mavr [aod ~ H$ Zo {XZm H$ Ho$ AnZo n[anì g. S>r~rAma.EZ.~r.~r.~r.gr.0101 / / Ho$ mü go X~mddJ«ñV n[ag n{îm m Ho$ g mymz na g emo{yv T>m Mm Omar {H$ m h. g emo{yv T>m Mo Ho$ AZwgaU ~ H$ Zo {d{eîq> nwzj {R>V ImVm H$mo J a {Zînm{XV Ho$ ê$n djuh $V {H$ m h Am a VXZwgma ` H$amo S>> Ho$ Eogo X~mdJ«ñV ImVm H$s Amoa àmdymz {H$ m h. K. Hw$N> ~ H$m df Ho$ Xm amz YmoImY S>r Ho$ ÔoZOa XoIm J m, aëz Am a Am^yfU CYmaH$Vm g yh Ho$ g ~ Y ~ H$ Zo Hw$N> ImVm H$mo J a- {Zînm{XV Ho$ ê$n djuh $V {H$ m h Am a àmwa mìm gmdymzr Ho$ mü go ` H$amo S> H$m A{V[a³V àmdymz {H$ m h. iv) AmpñV Xo Vm à~ YZ : AmpñV m Am a Xo VmAm H$s Hw$N> Xm H$s n[an¹$vm H$m ñdén : (` H$amo S>m ) 1 {XZ 2-7 {XZ 8-14 {XZ {XZ 31 {XZm go 2 hrzo VH$ 2 hrzm go A{YH$ d 3 hrzm VH$ 3 hrzm go A{YH$ d 6 hrzm VH$ 6 hrzm go A{YH$ d 12 hrzm VH$ 1 df go A{YH$ d 3 df VH$ 3 df go A{YH$ d 5 df VH$ O m A{J«* {Zdoe * CYma ** {dxoer wðm ApñV m {dxoer wðm Xo VmE AmpñV m Am a Xo VmAm H$mo ^mavr [aμod ~ H$ Ho$ {Xem {ZX}emZwgma djuh $V {H$ m OmVm h Am a à~ YZ Ûmam nmbz {H$ m OmVm h Am a boimnarjh$m Ûmam Bg na {dídmg {H$ m J m h. * Am H$S>o ñwyb ê$n go {Zdb àmdymz h. ** ^mav CYma v) g doxzerb joì H$mo CYma H$) ñwmda g nxm joì H$mo CYma (` H$amo S>m o ) H«$.g {ddau ) àë j CYma H$. Amdmgr ~ YH$ (i) Amdmgr g nxm na ~ YH$ Ho$ ê$n nyu ê$n go à{v^yv CYma {Og CYmaH$Vm ahojm m Cgo {H$amE na XoJm (ii) àmw{ H$Vm joì A{J«em{ b {H$E OmZo Ho$ {be nmì AbJ-AbJ Amdmg F$U (Cnamo³V em{ b {H$E JE) I. dm{upá H$ ñwmda g nxm dm{upá H$ g nxm na ~ YH$ Ho$ ê$n à{v^yv CYma (H$m m b ^dz, [aq>ob ñnog, ~hþ CÔoí dm{upá H$ n[aga,~hþ n[adma Amdmgr ^dz, ~hþ {H$amEXma dm{upá H$ n[aga, Am Úmo{JH$ m ^ÊS>ma OJh, hmoq>ob, ^y-ñdmyrz, {dh$mg VWm {Z m U Am{X) OmopI J a {Z{Y AmYm[aV gr m ^r em{ b hm Jo J. AÝ CËnÞ H$aZodmbr ñwmda g nxm K. ~ YH$ Ho$ ê$n Xr J r à{v^y{v m VWm AÝ à{v^yv OmopI {Zdoe (i) Amdmgr (ii) dm{upá H$ ñwmda g nxm dfª go A{YH$ Hw$b 128

135 a a vi) H«$.g {ddau ) AàË j CYma amîq >r Amdmg ~ H$ (EZEM~r) VWm Amdmgr {dîmr H $nzr (EME $gr) na {Z{Y * AmYm[aV J a-{z{y AmYm[aV CYma ñwmda g nxm joì Hw$b OmopI * EZEM~r Am a EME $gr H$mo H$amo S> Ho$ AàË j {Zdoe EŠgnmoOa g{hv. I) ny Or ~mμoma H$mo CYma (` H$amo S>m ) H«$.g. {ddau (i) (ii) (iii) B p³dq>r eo a, n[adv Zr ~m S>, n[adv Zr {S>~ Ma d B p³dq>r CÝ wi å ymwab $S> Ho$ y{zq> {OgH$s yb {Z{Y H$m AZÝ ê$n go H $nzr H$O {Zdoe Zht {H$ m J m h. eo a/~m S>/{S>~ Ma m AÝ à{v^y{v m Ho$ à{v A{J«m {Z~ªY AmYma na ì {³V m H$mo eo am (AmB nramo/b EgAmonr g{hv) n[adv Zr ~m S>, n[adv Zr {S>~ Ma d B p³dq>r CÝ wi å ymwab $S> Ho$ y{zq>m {Zdoe H$aZo Ho$ {be A{J«. {H$gr ^r AÝ H$m Ho$ {be A{J«Ohm± eo a m n[adv Zr ~m S> m n[adv Zr {S>~ Ma m B p³dq>r CÝ wi å ymwab $S> Ho$ y{zq>m H$mo àmw{ H$ à{v^y{v Ho$ ê$n {b m J m h. (iv) {H$gr ^r AÝ CÔoí Ho$ {be eo a m n[adv Zr ~m±s> n[adv Zr {S>~ Ma m B p³dq>r CÝ wi å ymwab $S> Ho$ O go g nm{íd H$ à{v^y{v go à{v^yv A{J«Ohm± eo a/n[adv Zr ~m±s>/n[adv Zr {S>~ Ma/B p³dq>r CÝ wi å ymwab $S> Ho$ Abmdm àmw{ H$ à{v^y{v go nyu ê$n go a{jv Zht h. (v) (vi) eo a Xbmb H$mo à{v^yv d Aà{V^yV A{J«Ed eo a Xbmb Am a eo a g VwbZH$Vm H$s Amoa go Omar Jma Q>r. g gmyz OwQ>mZo Ho$ CÔoí go ZB H $n{z m Ho$ B p³dq>r àdv H$ H$m A exmz MwH$mZo Ho$ {be {Z~ Y AmYma na m eo a/~m S>/{S>~ Ma Ho$ μo mzv Ho$ à{v H $n{z m H$mo Oya F$U (vii) àë m{ev B p³dq>r àdmh/{zj Ho$ à{v H $n{z m H$mo VmËH$m{bH$ F$U (viii) ~ H$m Ûmam eo am m n[adv Zr ~m S>m m n[adv Zr {S>~ Ma m B p³dq>r CÝ wi å ymwab $S> y{zq>m Ho$ g ~ Y br JB hm rxmar à{v~õvme (ix) m{o Z ì mnma Ho$ {be eo a Xbmbm H$m {dîmnmofu (x) OmopI ny Or {Z{Y m (n OrH $V d n OrH $V Z H$s JB XmoZm ) H$mo {H$E JE g~ àh$ma Ho$ {Zdoe ny Or ~mμoma H$mo Hw$b {Zdoe EgS>rAma Ho$VhV {Zdoe Ho$ {be àh$q>rh$au gm [ah$ F$U nwzgªamzm moozm na mñq>a n[anì S>r~rAma.~rnr.~rgr.g.101/ / {XZm {H$V 8 OyZ 2015 Ho$ X g. 7 Ho$ AZwgaU EgS>rAma V Ì Ho$ VhV eo am Ho$ A{YJ«hU, ny Or ~moma EŠgnmoOa, nmam ~ qh$j J{V{d{Y m {Zdoe Am a A Va g yh EŠgnmoOa na {Z m H$ gr m / à{v~ Y go Ny>Q> Xr JB h. 129

136 dm{f H$ [anmoq> EgS>rAma V Ì Ho$ AYrZ Ym[aV eo a VWm CZHo$ {ddau Am a Wm 31 mm 2018 H$mo {ddau {ZåZmZwgma h : H $nzr H$m Zm Amd {Q>V eo a Amd Q>Z yë / eo a én m ~hr yë ` H$amo S>m b H$mo VrñVm hmbs >mo nmda {b{ Q>oS> 4,00,00, mozoq> BñnmV E S> EZOu {b{ Q>oS> 20,00, ~oëbmozm EñQ>oQ> S>odbng {b{ Q>oS> 36, EWoZm N>ÎmrgJ T> nmda {b{ Q>oS> 5,86,57, B Q>rgrAmo S>o{Z àmbdoq> {b{ Q>oS> 79,23, OrQ>rEb B «$mñq >ŠMa {b{ Q>oS> 1,57,86, Hw$b vii) OmopI dj -dma Xoer CYma OmopI H$m dj H$mo CYma ({Zdb) H$mo Ym[aV àmdymz H$mo CYma ({Zdb) H$mo Ym[aV àmdymz ZJÊ eyý eyý H$ eyý eyý Ü 8.05 eyý 6.60 eyý A{YH$ 8.05 eyý 6.60 eyý AË {YH$ 0.00 eyý 1.25 eyý gr{ V 0.00 eyý 0.00 eyý F$U go n WH$ 0.00 eyý 0.00 eyý Hw$b eyý eyý àë oh$ Xoe Ho$ gmw ~ H$ H$m {dxoer {d{z boz-xoz Ho$ g ~ Y {XE JE {Zdb {Z{YH$ CYma ~ H$ Ho$ Hw$b AmpñV m Ho$ 1% Ho$ A Xa hmozo Ho$ H$maU CgHo$ {be ^mavr [aμod ~ H$ Ho$ n[anì S>r~r~moS>r/~rgr.96/ / {XZm {H$V Ho$ gmw nt>o {XZm H$ Ho$ n[anì S>r~r~moS>r/~rgr.71/ / Ho$ AZwgma àmdymz H$aZo H$s Amdí H$Vm Zht h. (VIII) df Ho$ Xm amz ~ H$ Ho$ {ddoh$nyu EŠgnmoOa go F$U EŠgnmoOa H$m A{YH$ hmozm. (` H$amo S>> ) H«$.g CYmaH$Vm H$m Zm EŠgnmoOa gr m ñdrh $V gr m Ad{Y Ho$ Xm amz gr m H$s A{YH$Vm ogg H$boída qgmmb n[a moozm {ZJ {b{ Q>oS> (B «$mñq >ŠMa Ho$ {be bmjy H$mo én o Ho$ ny OrJV {Z{Y H$m ì {³VJV EŠgnmoOa gr m 20%) eyý bmjy Zht h S >m S>mCZ Ho$ VhV bmjy Zht h 130 Ad{Y Ho$ Xm amz gr m ~H$m m H$s A{YH$Vm S >m S>mCZ Ho$ VhV bmjy Zht - g PXma EŠgnmoOa gr m Ho$ ^rva ~H$m m ~mos> ñdrh ${V {ddau E gr~r H$m dmhr g. grs>r Ho$ mü go ñdrh $V: E gr: {XZm {H$V EgAma -01 / 2018 EO S>m g. E -09 / 18 {XZm {H$V ~mos> Ûmam AZw mo{xv H$s pñw{v

137 (IX) O mam{e m, A{J«, F$U OmopI VWm EZnrE H$m H $ÐrH$aU H$) O mam{e m H$m g H $ÐU (`> H$amo S>> ) {ddau ~S>o O mh$vm Am H$s Hw$b O mam{e m ~ H$ H$s Hw$b O mam{e m H$s VwbZm 20 ~S>o O mh$vm Am H$s O mam{e m H$m à{vev 24.28% 19.92% I) A{J«m H$m H$m g H $ÐU (` H$amo S>> ) W {ddau ~S>o CYmaH$Vm Am Ho$ Hw$b A{J« ~ H$ Ho$ Hw$b A{J«H$s VwbZm 20 ~S>o CYmaH$Vm Am Ho$ A{J«m H$m à{vev 20.71% 13.59% J) OmopI m H$m g H $ÐU (` H$amo S>m ) {ddau ~S>o CYmaH$Vm Am / J«mhH$m Ho$ Hw$b OmopI CYmaH$Vm Am /JmhH$m na ~ H$ Ho$ Hw$b OmopI m H$s VwbZm 20 ~S>o CYmaH$Vm Am / J«mhH$m Ho$ OmopI H$m à{vev 20.16% 15.06% K) OmopI m H$m H$m g H $ÐU (` H$amo S>m ) {ddau ~S>o CYmaH$Vm Am / J«mhH$m Ho$ Hw$b OmopI CYmaH$Vm Am /JmhH$m na ~ H$ Ho$ Hw$b OmopI m H$s VwbZm 20 ~S>o CYmaH$Vm Am / J«mhH$m Ho$ OmopI H$m à{vev 13.17% 15.01% S>.) EZnrE H$m g H $ÐU (` H$amo S>m ) {ddau Hw$b OmopI H$s VwbZm erf 4 EZnrE ImVo X) joìdma A{J«(gH$b) (` H$amo S>m ) H«$ g. joì ~H$m m Hw$b A{J«gH$b EZnrE ~H$m m Hw$b A{J«gH$b EZnrE Cg joì Hw$b A{J«m Ho$ à{v gh$b EZnrE H$s à{vevvm Cg joì Hw$b A{J«m Ho$ à{v gh$b EZnrE H$s à{vevvm H$ àmw{ H$Vm joì 1 H ${f VWm g ~Õ J{V{d{Y m àmw{ H$Vm joì CYmar Ho$ ê$n nmì Am Úmo{JH$ joì H$mo A{J«3 godme

138 dm{f H$ [anmoq> H«$ g. joì ~H$m m Hw$b A{J«gH$b EZnrE ~H$m m Hw$b A{J«gH$b EZnrE Cg joì Hw$b A{J«m Ho$ à{v gh$b EZnrE H$s à{vevvm Cg joì Hw$b A{J«m Ho$ à{v gh$b EZnrE H$s à{vevvm 4 d {³VH$ F$U Cn-Hw$b (H$) I J a-àmw{ H$Vm joì 1 H ${f VWm g ~Õ J{V{d{Y m eyý eyý eyý eyý eyý eyý 2 CÚmoJ godme d {³VH$ F$U Cn-Hw$b (I) Hw$b (H$ + I) XI) EZnrE H$m MbZ (` H$amo S>m ) {ddau Aà b H$mo gh$b EZnrE (AW eof) df Ho$ Xm amz OmoS> (ZE EZnrE) Cn-Hw$b (H$) KQ>mE : (i) CÞ Z (ii) dgybr (CÞ Z {H$E JE ImVm go H$s J r dgy{b m H$mo N>moS>H$a) (iii) VH$ZrH$s/{ddoH$nyU ê$n go ~Å>o ImVo S>mbZm (iv) ~Å>o ImVo S>mbZm Cn w ³V (iii) Ho$ A VJ V Ho$ Abmdm Cn-Hw$b (I) mm, 2017 H$mo gh$b EZnrE (H$ - I) XII) VH$ZrH$s ê$n go ~Å>o ImVo S>mbo JE Am a Cg na H$s J r dgy{b m : (` H$amo S>m ) {ddau VH$ZrH$s/{ddoH$nyU ê$n go S>mbo JE ~Å>o ImVm H$m AWeof OmoS > : df Ho$ Xm amz VH$ZrH$s/{ddoH$nyU ê$n go S>mbo JE ~Å>o ImVo Cn Hw$b KQ>mE : nhbo hr VH$ZrH$s/{dddoH$nyU ê$n go S>mbo JE ~Å>o ImVm go H$s J r dgy{b m B{Veof xiii) g wðnmar AmpñV m, EZnrE VWm amoñd : eyý xiv) àm mo{ov VwbZ nì go BVa Egnrdr àm mo{ov ({OZH$m boim H$Z mzx S>m Ho$ AZwgma g o{h$v {H$ m OmZm Ano{jV h ) àm mo{ov Egnrdr H$m Zm Xoer g wðnmar eyý eyý xv) Aà{V^yV A{J«: ~ H$ H$moB Aà{V^yV A{J«Zht h O~{H$ A yv à{v^y{v m H$mo g nm{íd H$ à{v^y{v m Ho$ ê$n {b m J m h. 132

139 xvi) Ho$ Xm amz ~r m H$mamo~ma go ewëh$/ nm[al{ H$ (` H$amo S>m ) H«$ Am H$m ñdê$n g. 1 OrdZ ~r m nm{b{g m H$mo ~omzo Ho$ {be J a-ordz ~r m nm{b{g m H$mo ~omzo Ho$ {be å ymwab $S> CËnmXm H$mo ~omzo Ho$ {be eyý eyý 4 AÝ ({Z{X îq> H$a ) eyý eyý 11. H $nzr A{Y{Z 2013 H$s Ymam 133 Ho$ VhV H$m nm}aoq> m bm Ho$ Ìmb Ûmam A{Ygy{MV boim mzh$m Ho$ AZwgma àh$q>rh$au Amdí H$VmAm Ho$ AZwgma H $nzr(a{y{z ) {Z 2014 Ho$ {Z 7 nt>o Ohm± ^mavr [aod ~ H$ Zo {Xem{ZX}e Omar {H$E h : i) {nn>br Ad{Y H$s Am /ì go g ~ {YV Eogr H$moB ^r X Zht h {Ogo EEg-5 Ho$ AZwgma àh$q>rh$au {H$ m OmZm Amdí H$ h. ii) {nn>br àwm Ho$ AZwgma, ~ H$ EEg-6 Ho$ VhV Ano{jV, yë õmg g n{îm Ho$ àë oh$ dj Am a g ~ {YV g {MV yë õmg H$s gh$b am{e Ho$ {ddau àxmz Zht H$aVm h. iii) ~ H$ H$s boim Zr{V g.08 Ho$ AZwgma Hw$N>oH$ Xm H$mo ZH$X AmYma na mý Vm Xr OmVr h. bo{h$z à~ YZ H$s hr am h {H$ {Z mo{ov ah$ ZJÊ hmozo Ho$ H$maU EEg-9 Ho$ AYrZ Cgo àh$q> H$aZo H$s μoê$av Zht h. iv) ~ H$ Ûmam EEg 11 Ho$ AZwgma bozxoz H$s VmarI H$s Xa na Zht ~pëh$ E $B S>rEAmB Ûmam {ZYm [av {nn>bo hrzo Ho$ A {V gßvmh H$s gmßvm{hh$ Am gv Xa na {dxoer wðm bozxozm H$m {Za Va ê$n go nwz y ë m H$Z {H$ m Om ahm h. à~ YZ H$s h am h {H$ df Ho$ Xm amz ImVm na H$moB ^m {VH$ à^md Zht h. v) EEg-15 Ho$ AYrZ {ZåZ{bpIV OmZH$mar àh$q> H$s J r h : (` H$amo S>m ) H«$ {ddau n ez n ez n ez n ez n ez g I. w» ~r m {H$V YmaU ~Å>mJV Xa 7.64% 7.50% 8.00% 8.00% 8.50% dovz yë dy Z Xa 5.50% 5.50% 5.50% 5.50% 5.50% õmg Xa 1.00% 1.00% 1.00% 1.00% 1.00% moozm AmpñV m na àë m{ev à{v $b Xa 8.17% 9.16% 9.02% 8.95% 9.50% II. Xm{ Ëd Ho$ dv mz yë n[adv Z (nrdramo) Ad{Y Ho$ Ama ^ nrdramo ã mo H$s bmjv Mmby godm bmjv àxîm bm^ (307.37) (218.99) (219.72) Xm{ Ëd na ~r m {H$H$ (bm^)/hm{z (g VwbZ Am H$S>o) (87.47) Ad{Y Ho$ A V nrdramo

140 dm{f H$ [anmoq> (` H$amo S>m ) H«$ {ddau n ez n ez n ez n ez n ez g III. moozm AmpñV m Ho$ C{MV yë n[adv Z Ad{Y Ho$ Ama ^ moozm AmpñV m H$m C{MV yë moozm AmpñV m na àë m{ev à{v $b A exmz àxîm bm^ (307.37) (218.99) (219.72) moozm AmpñV m na ~r m {H$H$ bm^/(hm{z) (8.81) Ad{Y Ho$ A V moozm AmpñV m na C{MV yë IV. moozm AmpñV m na dmñv{dh$ à{v $b moozm AmpñV m na àë m{ev à{v $b moozm AmpñV m na ~r m {H$H$ bm^/(hm{z) (8.81) moozm AmpñV m na dmñv{dh$ à{v $b V. A{^kßV ~r m {H$H$ bm^/(hm{z) Ad{Y Ho$ {be ~r m {H$H$ bm^/(hm{z) - Xm{ Ëd (113.71) (62.58) Ad{Y Ho$ {be ~r m {H$H$ bm^/(hm{z) - moozm (8.81) AmpñV m± Ad{Y Ho$ {be Hw$b bm^/(hm{z) (122.52) (32.17) Ad{Y A{^kßV ~r m {H$H$ bm^/(hm{z) (122.52) (32.17) VI. VwbZ nì A{^kßV am{e VWm g ~ {YV {dícofu Xm{ Ëd H$m dv mz yë moozm AmpñV m H$m C{MV yë {Z{YH$ pñw{v (A{YH$/(H$ r) (211.42) (59.33) (59.64) VwbZ nì A{^kßV am{e (211.42) (59.33) (59.64) VII. bm^ VWm hm{z {ddau A{^kßV ì dv mz godm bmjv ã mo bmjv moozm AmpñV m na àë m{ev à{v $b (211.74) (201.02) (186.58) df A{^kßV {Zdb ~r m {H$H$ (bm^)/hm{z (131.11) bm^ VWm hm{z {ddau A{^kßV ì VIII. VwbZ nì A{^kßV Xo VmAm CVma-MT>md àma {^H$ {Zdb Xo Vm (113.22) Cn w ³VmZwgma ì àxîm A exmz (299.64) (89.00) (271.58) A {V {Zdb Xo Vm (183.89) (113.22) 134

141 H«$ g. IX. (` H$amo S>m ) {ddau n ez n ez n ez n ez n ez Mmby Ad{Y Ho$ {be am{e Xm{ Ëd H$m dv mz yë moozm AmpñV m± A{YH$/(H$ r) (183.89) (211.42) (59.33) (59.64) moozm Xo VmAm na AZw^d g m mooz - bm^ (hm{z) (355.34) (432.60) (113.71) (62.58) moozm AmpñV m na AZw^d g m mooz - bm^/(hm{z) (8.81) (` H$amo S>m ) H«$ {ddau J«oÀ yq>r J«oÀ yq>r J«oÀ yq>r J«oÀ yq>r J«oÀ yq>r g I. w» ~r m {H$V YmaU ~Å>mJV Xa 7.71% 7.50% 8.00% 8.00% 8.50% dovz yë dy Z Xa 5.50% 5.50% 5.50% 5.50% 5.50% õmg Xa 1.00% 1.00% 1.00% 1.00% 1.00% moozm AmpñV m na àë m{ev à{v $b Xa 8.42% 10.79% 9.00% 8.81% 8.50% II. Xm{ Ëd Ho$ dv mz yë n[adv Z (nrdramo) Ad{Y Ho$ Ama ^ nrdramo ã mo H$s bmjv Mmby godm bmjv àxîm bm^ (61.68) (62.70) (64.50) Xm{ Ëd na ~r m {H$H$ (bm^)/hm{z (g VwbZ Am H$S>o) (7.36) Ad{Y Ho$ A V nrdramo III. moozm AmpñV m Ho$ C{MV yë n[adv Z Ad{Y Ho$ Ama ^ moozm AmpñV m H$m C{MV yë moozm AmpñV m na àë m{ev à{v $b A exmz àxîm bm^ (61.68) (62.70) (64.50) moozm AmpñV m na ~r m {H$H$ bm^/(hm{z) (5.23) (0.22) (1.00) 3.67 (1.90) Ad{Y Ho$ A V moozm AmpñV m na C{MV yë IV. moozm AmpñV m na dmñv{dh$ à{v $b moozm AmpñV m na àë m{ev à{v $b moozm AmpñV m na ~r m {H$H$ bm^/(hm{z) (5.23) (0.22) (1.00) 3.67 (1.90) moozm AmpñV m na dmñv{dh$ à{v $b

142 dm{f H$ [anmoq> (` H$amo S>m ) H«$ {ddau J«oÀ yq>r J«oÀ yq>r J«oÀ yq>r J«oÀ yq>r J«oÀ yq>r g V. A{^kßV ~r m {H$H$ bm^/(hm{z) Ad{Y Ho$ {be ~r m {H$H$ bm^/(hm{z) - Xm{ Ëd (6.86) (35.16) (18.95) (3.54) 7.36 Ad{Y Ho$ {be ~r m {H$H$ bm^/(hm{z) - moozm (5.23) (0.22) (1.00) 3.67 (1.90) AmpñV m± Ad{Y Ho$ {be Hw$b bm^/(hm{z) (12.09) (35.38) (19.95) Ad{Y A{^kßV ~r m {H$H$ bm^/(hm{z) (6.86) (35.38) (19.95) VI. VwbZ nì A{^kßV am{e VWm g ~ {YV {dícofu Xm{ Ëd H$m dv mz yë moozm AmpñV m H$m C{MV yë {Z{YH$ pñw{v (A{YH$/(H$ r)) (65.50) VwbZ nì A{^kßV am{e (65.50) VII. bm^ VWm hm{z {ddau A{^kßV ì dv mz godm bmjv ã mo bmjv moozm AmpñV m na àë m{ev à{v $b df A{^kßV {Zdb ~r m {H$H$ (bm^)/hm{z (0.13) (5.46) bm^ VWm hm{z {ddau A{^kßV ì VIII. VwbZ nì A{^kßV Xo VmAm CVma- MT>md àma {^H$ {Zdb Xo Vm (7.54) (10.12) (28.14) (38.21) (24.39) Cn w ³VmZwgma ì àxîm A exmz (36.00) (44.89) (16.00) - (21.00) A {V {Zdb Xo Vm (7.54) (10.12) (38.21) IX. Mmby Ad{Y Ho$ {be am{e Xm{ Ëd H$m dv mz yë moozm AmpñV m± A{YH$/(H$ r) (65.50) moozm Xo VmAm na AZw^d g m mooz - bm^ (hm{z) (6.86) (35.16) (18.95) (3.54) 7.36 moozm AmpñV m na AZw^d g m mooz - bm^/(hm{z) (5.23) (0.22) (1.00) 3.67 (1.90) * é H$amo S> H$s ^mj godm bmjv em{ b h. {ddau Z { bzo Ho$ H$maU, ~r m {H$V mý VmAm go g ~ {YV àmdymz ZrMo {X m J m h : ã mo Xa : 7.71% à.d. dovz wðmñ $s{v : 5.50% à.d. Ë w Xa : EbAmB gramb õmg Xa : à{v homa 10 à.d. gyì : àë m{ev BH$mB F$U {dyr 136

143 vi) df Ho$ Xm amz {d{^þ XrKm d{y H$ Mmar bm^ Ho$ {be EEg-15 Ho$ AZwgma {H$E JE àmdymz {ZåZmZwgma h (` H$amo S>m ) H«$ g. AÝ XrKm d{y bm^ n ez ({dn H$m {Zdb) J«mÀ wq>r Nw>Å>r ZH$XrH$aU (àmdymz Ho$ ^wjvmz H$m {Zdb) 4.29 (14.28) 4 ~r mar Nw>Å>r *ZmoQ>: dovz Ed ^Îmm ImVo Zm o S>mbH$a bm^ d hm{z ImVo ` H$amo S>> ({nn>bo df `41.00H$amo S>>) H$m dmñv{dh$ ì A{^kßV {b m J m h. vii) I S> [anmo{qª>j (EEg-17) (` H$amo S>m ) ix) H$mamo~ma I S> IμOmZm H $nzr/g J«~ qh$j IwXam ~ qh$j AÝ ~ qh$j n[ammbz Hw$b amoñd n[aum AZm~ {Q>V ì H$a nyd bm^ H$a Ho$ {be àmdymz AgmYmaU bm^/hm{z eyý eyý {Zdb bm^ AÝ OmZH$mar I S> AmpñV m AZm~ {Q>V AmpñV m Hw$b AmpñV m I S> Xo VmE AZm~ {Q>V Xo VmE Hw$b Xo VmE EEg-17 H$s evm] Ho$ AZwgma I S> [anmo{qª>j Ho$ {be VWm ^m[a~ mj {ZX}em {ZYm [avmzwgma ~ H$ Ho$ H$mamo~ma H$mo Mma djm] {di S>Z {H$ m J m h - (H$) IμOmZm n[ammbz Ed (I) H $nzr/wmoh$ ~ qh$j (J) IwXam ~ qh$j d (K) AÝ ~ qh$j n[ammbz # My {H$ ~ H$ H$s H$moB g wðnmar emim Zht h, ^m Jmo{bH$ I S> Ho$ AYrZ H$moB [anmo{qª>j Zht H$s J r h. # Ohm± H$ht, ì H$m I S> go, àë j ê$n go g ~ Y h, dhm± CZH$m VXZwgma I S>m Am~ Q>Z {H$ m J m h Am a Ohm± H$ht àë j g ~ Y Zht h dhm± I S> amoñd Ho$ AmYma na Am~ Q>Z {H$ m J m h. # Ohm± H$ht AmpñV d Xo Vm H$m I S> go àë j ê$n go g ~ Y h dhm± CZH$m VXZwgma I S>m Am~ Q>Z {H$ m J m h Am a Ohm± H$ht àë j g ~ Y Zht h dhm± I S> amoñd/i S> AmpñV AZwnmV Ho$ AmYma na Am~ Q>Z {H$ m J m h. àymz H$m m b CnbãY Am H$S>m Ho$ AmYma na Cn w ³V OmZH$mar g H${bV H$s J r h. gmnoú nmq>u àh$q>z na EEg-18 Ho$ AZwgma ~ H$ Zo {ZåZ{bpIV H$mo gmnoú nmq>u Ho$ ê$n A{^kßV {H$ m h. H$) à wi à~ YZ H$m{ H$ : H$) S>m {H$emoa gm gr (nyd à~ Y {ZXoeH$ Ed grb Amo) I) lr ~r.eg.am m amd (H$m H$mar {ZXoeH$) J) lr Ama.E e H$aZmam UZ (à~ Y {ZXoeH$ Ed grb Amo) K) lr dmb ZmJoída amd (H$m H$mar {ZXoeH$) S>.) lr. wabr am mñdm r (H$m H$mar {ZXoeH$) 137

144 dm{f H$ [anmoq> df Ho$ Xm amz g ~Õ nm{q > m Ho$ gmw bozxoz {ZåZmZwgma h : H$) i) à wi à~ YZ H$m{ H$ H$mo df Ho$ Xm amz àxîm mzxo {ZåZmZwgma h : lr. Ama.E. e H$a Zmam U,à.{Z.Ed grb Amo ( go ) ` 18,81, S>m {H$emoa gm gr nyd à.{z. Ed grb Amo ( go VH$) 35,44, lr dmb ZmJoída amd, H$m.{Z ( go VH$) ` 25,69, lr. wabr am mñdm r, H$m.{Z ( go ) 3,37, lr ~r.eg.am m amd,nyd H$m.{Z. ( go VH$) ` 46,58, ii) {nn>bo df Ho$ Am H$S>o ( ) S>m {H$emoa gm gr, à.{z. Ed grb Amo ( go VH$) ` 30,15,624 lr ~r.eg.am m amd, H$m.{Z. ( go VH$) ` 27,36,526 lr dmb ZmJoída amd, H$m.{Z ( go VH$) ` 25,30,938 I) à wi à~ YZ H$m{ H$m Ho$ [aívoxmam Ho$ gmw df Ho$ Xm amz H$moB bozxoz Zht hþam h. J) AZwf Jr : eyý x) nå>o (EEg-19) H$) n[ammbz nå>m Ho$ {be àxîm nå>o {H$amE H$mo g ~ {YV df Ho$ bm^ d hm{z ImVo Ho$ ì Ho$ ê$n nhmmzm OmVm h. I) n[ammbz nå>o Ho$ {be Xo ^mdr {H$am m : (` H$amo S>m o) {ddau EH$ df Ho$ nhbo EH$ df Ho$ ~mx na Vw 5 df Ho$ nhbo dfm] Ho$ ~mx Hw$b bm^ d hm{z ImVo H$mo à^m[av am{e J) ^mdr nå>o {H$amE VWm {H$amE H$s d {Õ gh {V evm] Ho$ AmYma na {ZYm [av {H$ m OmVm h. K) àma {^H$ nå>o H$s Ad{Y H$s g m{ßv na gm mý V: ~ H$ H$mo ^mdr nyd {ZYm [av Ad{Y Ho$ {be nå>o H$m {dñvmau H$aZo H$m {dh$ën h. L>) ~ H$ H$moB {dîmr nå>m Zht h. xi) à{v eo a AO Z (EEg-20) ~ H$, "à{v eo a AO Z' na boimh$au mzh$ 20 Ho$ AZwê$n à{v B p³dq>r eo a na yb AO Z [anmoq> H$aVm h. Bg Ad{Y Ho$ {be à{v eo a yb AO Z H$m n[ah$bz H$aZo Ho$ {be df Ho$ Xm amz H$a nümv {Zdb bm^ H$mo ~H$m m B p³dq>r eo a H$s ^m[av Am gv g» m go {d^m{ov {H$ m OmVm h. yb à{v eo a AO Z H$m n[ah$bz/s>mbë yq>rd H$. B p³dq>r eo aymah$m Ho$ {be CnbãY H$a Ho$ ~mx {Zdb bm^ (` H$amo S>m ) I. ^m[av Am gv B{¹$Q>r eo am H$s g» m (g» m H$amo S>m ) ewéamv eo am H$s g» m: * 365/365 05/09/2017 H$mo Omo S>m J m: * 208/365 27/03/2018 H$mo Omo S>m J m: * 5/365 J. yb à{v eo a AO Z (én m ) K. à{v eo a H$m Zm mì yë (én m )

145 xii) Am na H$a Ho$ {be boimh$au (EEg-22) ~ H$ Zo AmB greamb Ûmam Omar boim mzh$ 22 "Am na H$a Ho$ {be boim' Ho$ AZwnmbZ Am H$a Ho$ {be boim H$Z {H$ m h. VXZwgma AmñW{JV AmpñV Am a Xo Vm H$s nhmmz H$s OmVr h. H$) AmñW{JV H$a Ho$ w» KQ>H$ {ZåZmZwgma h : (` H$amo S>m ) g A Va AmñW{JV H$a AmpñV AmñW{JV H$a Xo Vm Nw>Å>r ZH$XrH$aU hovw àmdymz eyý eyý 2. ñwmb AmpñV m± eyý eyý 3. An[aemo{YV n ez eyý eyý eyý eyý 4. An[aemo{YV J«mÀ wq>r eyý eyý eyý eyý 5. nwzgªa{mv A{J«m Ho$ {be àmdymz eyý 6. Am H$a A{Y{Z H$s Ymam 36(i)(viii) Ho$ eyý eyý AYrZ {deof Ama{jV {Z{Y 7. EZnrE Ho$ {be àmdymz eyý eyý Hw$b df go AmB grs>reg (Am H$s JUZm Am a KmofUm mzh$) Ho$ AmdoXZ H$mo Ü mz aivo hþe, EMQ>rE dj Ho$ VhV {Zdoe na S>rQ>rEb Ho$ g ~ Y EEg 22 Ho$ àmdymz bmjy Zht h. I) {dîmr df Ho$ Xm amz, ~ H$ Zo Am H$a A{Y{Z H$s Ymam 36(i)(vii)(H$) Ho$ AYrZ à moá H$Q>m Vr A{V[a³V Ho$ {be {H$E JE àmdymz Ho$ g ~ Y ~ H$ Zo S>rQ>rE H$mo nhmm{zv H$s h. K) df Ho$ Xm amz Am H$a Ho$ {be {H$E JE àmdymz : (` H$amo S>m ) V {ddau Am H$a Ho$ {be àmdymz AmñW{JV H$a Ho$ {be àmdymz (268.55) (143.76) xiii) à~ YZ H$s am, boimh$au mzh$-28, j{vj«ñv AmpñV Ho$ AZwgma ~ H$ H$s H$moB ^r AMb AmpñV ^m {VH$ ê$n go j{vj«ñv Zht h. 12 A{V[a³V àh$q>rh$au (i) àmdymzm Am a AmH$pñ H$VmAm H$m {dícofu (` H$amo S>m ) bm^ Am a hm{z ImVm erf ì Ho$ VhV {XImE JE àmdymz Am a AmH$pñ H$VmAm H$m {dícofu {Zdoe na yë õmg Ho$ {be àmdymz EZnrE H$s Amoa àmdymz mzh$ g n{îm m Ho$ {be àmdymz (nwzj {R>V EgS>r g{hv) (68.32) Am H$a (ZoQ>) H$s Amoa {H$E JE àmdymz: i) dv mz H$a ii) ñw{jv H$a (268.55) (143.76) 139

146 dm{f H$ [anmoq> bm^ Am a hm{z ImVm erf ì Ho$ VhV {XImE JE àmdymz Am a AmH$pñ H$VmAm H$m {dícofu AÝ àmdymz Am a AmH$pñ H$VmE : i) AmH$pñ H$VmAm Ho$ {be àmdymz ii) AÝ iii) A{V[a³V àmdymz dmng {bim J m (52.18) (2.14) Hw$b (ii) AñWm r àmdymz (` H$amo S>m ) {ddau (H$) àma {^H$ eof (I) df Ho$ Xm amz {H$E JE AñWm r àmdymz Nil Nil (J) df Ho$ Xm amz dmng br JB am{e Nil Nil (K) O m eof H$) J«mhH$m H$s {eh$m Vo : (` H$amo S>m ) H«$.g. {ddau H$. df Ho$ Ama ^ b {~V {eh$m Vm H$s g I. df Ho$ Xm amz àmßv {eh$m Vm H$s g J. df Ho$ Xm amz {ZnQ>mB JB {eh$m Vm H$s g K. df Ho$ A V b {~V {eh$m Vm H$s g. 40* 39 *{ZnQ>mZ Ho$ {XZm H$ go I) EQ>rE bozxoz go g ~ {YV {eh$m V Ho$ {ddau : H«$.g. {ddau H$. df Ho$ Ama ^ b {~V {eh$m Vm H$s g I. df Ho$ Xm amz àmßv {eh$m Vm H$s g J. df Ho$ Xm amz {ZnQ>mB JB {eh$m Vm H$s g K. df Ho$ A V b {~V {eh$m Vm H$s g J) ~ qh$j bmoh$nmb Ûmam nm[av $gbo : H«$.g. {ddau H$. df Ho$ Ama ^ H$m m pýdv Z {H$E JE $gbm H$s g. eyý eyý I. df Ho$ Xm amz ~ qh$j bmoh$nmb Ûmam nm[av $gbm H$s g J. df Ho$ Xm amz H$m m pýdv $gbm H$s g K. df Ho$ A V H$m m pýdv Z {H$E JE $gbm H$s g. eyý eyz² Mmby {dîmr df Ho$ Xm amz ^m.[a.~. Zo `93.61({nN>bo df bmi) bmi H$m Ow m Zm bjm m h. 140

147 (iv) df Ho$ Xm amz ~ H$ Zo ^mav mb Ho$ Am mv H$mo H$da H$aZo dmbo A arh$s S>mba H$s 453 dmz nì (EbAmo y) Omar {H$E Wo& dmz nì H$mo ~ H$ na {dîmr à^md Ho$ gj yë m H$Z Am a gj àm{yh$aum H$s Oyar Ho$ ~mx Omar {H$ m J m h & VwbZ nì H$s VmarI Ho$ AZwgma 150 dmz nì A arh$s S>mba (bj^j `> H$amo S> yegs>r 1 = `>65.175) ~H$m m h, Omo à~ YZ H$s am ~ H$ H$s {dîmr pñw{v na H$moB hëdnyu à^md Zht n S>oJm. (v) àmdymz H$daoO AZwnmV (nrgrama) : ^mavr [aod ~ H$ Ho$ {Xem{ZX}em Ho$ wvm{~h$ VH$ àmdymz H$daoO AZwnmV 59.39% ({nn>bo df 58.15%) h. ^mavr [aod ~ H$ Ho$ n[anì S>r~rAmoS>r g. ~rnr.~rgr / S>rQ>r Ho$ O[aE ~ H$ Zo àmdymz H$daoO AZwnmV H$mo hm{gb {H$ m h. 13. A V: g yh EŠgnmoOa : H$) A V: g yh EŠgnmoOa H$s Hw$b am{e : eyý I) Cƒ-20 A V: g yh EŠgnmoOa H$s Hw$b am{e : eyý J) CYmaH$Vm Am /J«mhH$m na ~ H$ H$m Hw$b EŠgnmoOa Ho$ à{v A V: g yh EŠgnmoOa H$s à{vevvm : eyý K) A V: g yh EŠgnmoOa na gr m VmoS>Zo Ho$ {ddau VWm Cg na {d{z m H$ H$ma dmb, {X H$moB hmo : eyý 14. O mh$vm {ejm Ed OmJê$H$Vm {Z{Y H$mo A VaU (S>rB EE $) : (` H$amo S>m ) {ddau S>rB EE $ H$mo A V[aV am{e H$m AWeof OmoS > : df Ho$ Xm amz S>rB EE $ H$mo A V[aV am{e KQ>mE : Xmdo Ho$ à{v S>rB EE $ Ûmam à{vny{v H$s J r am{e S>rB EE $ H$mo A V[aV am{e H$m B{Veof Aa{jV {dxoer wðm EŠgnmoOa : (Ohm VH$ ~ H$ Zo CYmaH$Vm Am go gw{z{ímv H$a nm m h VWm ~ H$ Ûmam à m{uv {H$ m J m VWm boimnarjh$m Ûmam ^amogm {H$ m J m) Wm H$mo d {Õerb àmdymzrh$au : `3.70 H$amo S>> d {Õerb ny Or Amdí H$Vm ` 5.90 H$amo S>> 16. (H$) Mb{Z{Y àmdau AZwnmV : (` H$amo S>m ) EbgrAma àh$q>z Q> ßboQ> Hw$b A^m[aV yë (Am gvz) Hw$b ^m[av yë (Am gvz) Cƒ JwUdÎmm Mb{Z{Y AmpñV m 1 Hw$b Cƒ JwUdÎmm Mb{Z{Y AmpñV m (EMŠ yebe) ZH$X ~{hj Z 2 IwXam O m VWm N>moQ>o H$mamo~ma J«mhH$m go O m, {Og go (i) pñwa O m (ii) H$ pñwa O m AàË m^yv WmoH$ {ZYr Z, {Og go (i) n[ammbzmë H$ O m (g^r H$mC Q>anmQ>u) (ii) J a-n[ammbzmë H$ O m (g^r H$mC Q>anmQ>u) (iii) AàË m^yv F$U

148 dm{f H$ [anmoq> EbgrAma àh$q>z Q> ßboQ> Hw$b A^m[aV yë (Am gvz) Hw$b ^m[av yë (Am gvz) 4 àë m^yv WmoH$ {ZYr Z A{V[a³V Amdí H$VmE, {Og go (i) ì wënþ EŠgnmoOa VWm AÝ g nm{íd H$ Amdí H$VmAm go g ~ {YV ~{hj Z (ii) F$U CËnmXm na {ZYr Z H$s hm{z go g ~ {YV ~{hj Z (iii) F$U VWm Mb{Z{Y gw{dym AÝ H$ama~Õ {ZYr Z Xm{ Ëd AÝ AmH$pñ H$VmAm Ho$ {ZYr Z Xm{ Ëd Hw$b ZH$Xr ~{hj Z ZH$X AmJ Z 9 àë m^yv CYma (CXm. à{v nwzi arx) nyu V: {Zînm{XV EŠgnmoOa go AmJ Z AÝ ZH$X AmJ Z Hw$b ZH$X AmJ Z Hw$b g m mo{ov yë 13 Hw$b EMŠ yebe Hw$b {Zdb ZH$X ~{hj Z Mb{Z{Y H$daoO AZwnmV (%) % 16. (I) EbgrAma go g ~ {YV JwUmË H$ àh$q>z : H$. EbgrAma n[aum Ho$ à wi MmbH$ Am a g Ho$ gmw EbgrAma Ho$ JUZm H$s {Z{d{îQ> m Ho$ mojxmz H$m {dh$mg ; EbgrAma Ho$ à wi MmbH$ EMŠ yebe h, ñdñw EMŠ yebe go EbgrAma H$s à{vevvm gwyma Zht hmojr gmw hr 30 {XZm VH$ VabVm Amdí H$Vm H$mo nyar H$aZo hovw ~ H$ H$s j Vm d {Õ ^r hmojr. I. A Va-Ad{Y n[adv Z VWm g Ho$ gmw n[adv Z bmjy Zht J. EMŠ yebe H$s g amzm EMŠ yebe H$s g amzm H$mo ñva 1 AmpñV Am a ñva 2E ñva 2~r {d^m{ov {H$ m J m h. ñva 1 AmpñV {ZåZ em{ b h : i. ZH$X {Og Amdí H$ gramaama go A{YH$ ZH$X Ama{j{V em{ b h. ii. Ý yzv gm {d{yh$ VabVm AZwnmV (EgEbAma) Amdí H$Vm go A{YH$ gah$mar à{v^y{v m. iii. A{Zdm gm {d{yh$ VabVm AZwnmV (EgEbAma) Amdí H$Vm Ho$ A VJ V m{o Zb ñq> qs>j gw{dym (E EgE $) Ho$ AYrZ ^mavr [aod ~ H$ (^m[a~ ) Ûmam AZw V gah$mar à{v^y{v m iv {dxoer amá m Ûmam Omar m Jma Q>rH $V {dnuz mo½ à{v^y{v m Omo {ZåZ evm] H$mo nyam H$aVr h :- H$. F$U OmopI Ho$ {be ~ogb II mzh$sh $V Ñ{îQ>H$moU Ho$ AYrZ 0% OmopI ^ma {X m OmVm h. I. H$ ñva Ho$ H $ÐrH$aU w³v AmpñV m {Ogo ~S>o, Jhao Am a g{h«$ [anmo Am a ZH$X ~moma ì mnma {H$ m OmVm h ; VWm VZmdJ«ñV ~moma n[apñw{v m ^r ~moma ([anmo m {~H«$s) VabVm H$m {dídgzr òmov h. J. ~ H$/{dÎmr g ñwm/ez~re $gr m BZHo$ H$moB ^r g ~Õ BH$mB m Ûmam Omar Z {H$ m J m hmo. 142

149 ñva 2 AmpñV m (ñva 2E AmpñV m d ñva 2~r AmpñV m em{ b h ) H$mo Vab AmpñV m Ho$ ñq>m H$ em{ b H$s Om gh$vr h, ~ev} {H$ ho ah$q> bmjy H$aZo Ho$ ~mx EMŠ yebe Ho$ g J«ñQ>m H$ Ho$ 40% go A{YH$ Z hmo. Z m ñva 2E Am a ñva 2~r AmpñV m {ZåZ C{ëbpIV H$m g H$bZ hmojm. ñva 2E AmpñV m {ZåZ em{ b h ; ñq>m H$ Ym[aV àë oh$ ñva 2E AmpñV H$m dv mz ~moma yë Ho$ {be Ý yzv 15% ho ah$q> bmjy H$aZm h. ñva 2E AmpñV m {ZåZ VH$ hr gr{ V h : 1. {dnuz mo½ à{v^y{v m Omo {dxoer gah$ma, gmd O{ZH$ joì BH$mB m (nreb ) m ~hþnjr {dh$mg ~ H$ Ûmam Jma Q>rH $V Xmdm m na Xmdo H$m à{v{z{yëd H$aVm hmo {OZH$mo F$U OmopI Ho$ {be ~ogb II mzh$sh $V Ñ{îQ>H$moU Ho$ AYrZ 20 % OmopI ^ma g ZwXo{eV {H$ m J m hmo Am a Omo ~ H$/{dÎmr g ñwm/ez~re $gr m BZHo$ H$moB ^r g ~Õ BH$mB m Ûmam Omar Z {H$ m J m hmo. 2. H$mnm}aoQ> ~m S> Omo ~ H$/{dÎmr g ñwm/ez~re $gr m BZHo$ H$moB ^r g ~Õ BH$mB m Ûmam Omar Z {H$ m J m hmo, {OÝh nmì F$U aoqq>j EO gr Ûmam E E - m Cggo A{YH$ aoqq>j {X m J m hmo. 3. dm{upá H$ nì {Ogo ~ H$/àmW{ H$ S>rba (nrs>r) / {dîmr g ñwm m BZHo$ H$moB ^r g ~Õ BH$mB m Ûmam Omar Z {H$ m J m hmo {OÝh nmì F$U aoqq>j EO gr Ûmam E E - m Cggo A{YH$ ~S>r Ad{Y aoqq>j Ho$ g Zwê$n bkw Ad{Y aoqq>j {X m J m hmo. ñva 2~r AmpñV m {ZåZ em{ b h ; ñq>m H$ Ym[aV àë oh$ ñva 2~r AmpñV Ho$ dv mz ~moma yë Ho$ {be Ý yzv 50 % ho ah$q> bmjy H$aZm h. Am a, ñva 2~r AmpñV m EMŠ yebe Ho$ Hw$b ñq>m H$ H$m 15 % go A{YH$ Zht hmozm h. BÝh g J«ñVa 2~r AmpñV m ^r em{ b {H$ m OmZm h. ñva 2E AmpñV m {ZåZ VH$ hr gr{ V h : i. {dnuz mo½ à{v^y{v m Omo {dxoe, Ûmam Jma Q>rH $V Xmdm m na Xmdo H$m à{v{z{yëd H$aVm hmo {OZH$m OmopI ^ma 20% go A{YH$ hmo na Vw 50 % go A{YH$ Z hmo AWm V ""~ogb III - ny Or {d{z Z'' na ^m.[a.~ H$m mñq>a n[anì Ho$ AZwgma ~r~r~r go H$ F$U aoqq>j Z hmo. ii. gm mý B p³dq>r eo a Omo {ZåZ evm] H$mo nyam H$aVm hmo: H$. Omo ~ H$/{dÎmr g ñwm/ez~re $gr m BZHo$ H$moB ^r g ~Õ BH$mB m Ûmam Omar Z {H$ m J m hmo; I. EZEgB grezešg {ZâQ>r gymh$m H$ Am a/ m Eg d nr ~regb g gošg gymh$m H$ em{ b {H$ m J m hmo. J. {ZYrH$aU òmovm H$m gh $ÐU: ^m.[a.~ /H $Ðr ~ H$m Ûmam àmßv H$s OmZodmbr am{e K. S>o[adoQ>rd EŠgnmoOa Am a g ^mì g nm{íd H$ H$m b ; bmjy Zht L>. EbgrAma wðm ~o ob bmjy Zht M. VabVm à~ YZ Ho$ H $ÐrH$aU Ho$ ñva VWm g yh H$s BH$mB m Ho$ ~rm ~mvmrv H$m {ddau; Am a IOmZm à~ YZ {d^mj (Q>rE S>r) Ho$ {Z{Y à~ YZ S>oñH$ H $ÐrH $V VabVm à~ YZ S>oñH$ h Omo Xmo BH$mB m Ho$ ~rm {Z{Y m Ho$ àdmh H$m à~ YZ H$aVm h. N> EbgrAma g JUZm AÝ Amdm-Omhr {Ogo EbgrAma gm mý Q> nboq> Ûmam H $ßMa Zht {H$ m J m h na Vw g ñwm {Ogo CZHo$ VabVm àmo $mbb Ho$ {be àmg {JH$ g PVm h. bmjy Zht 143

150 dm{f H$ [anmoq> ^m.[a.~. n[anì g» m S>r~rAma. g.~rnr.~rgr.92/ / , {XZm H$ Aà b 18, 2016 Ho$ AZwgma YmoImY S>r Ho$ àmdymzm go g ~ {YV àh$q>z {ZåZmZwgma h : - H«$.g. {ddau am{e é. 1 [anmoq> H$s JB YmoImY{S> m H$s g» m 19 2 Eogr YmoImY{S> m em{ b am{e df Ho$ Xm amz àmdymzm H$s g» m (dgybr H$m {Zdb) AÝ àma{jv {Z{Y Zm o S>mbr JB An[aemo{YV àmdymzm H$s g» m Hw$N> Zht 18. ~ H$ Zo ì njv m J S >mâq> Ho$ ^wjvmz Ho$ {be gm mý Ama{j{V go ` eyý AmhaU {H$ m h ({nn>bo df ` eyý ) {Ogo ^m.[a.~. Ho$ AZw moxzmzwgma nyd gm mý Ama{j{V aim J m Wm. 19. gyú, bkw, Ü CÚ {dh$mg A{Y{Z, 2006 Ho$ AYrZ em{ b Amny{V H$Vm /godm àxmvm Ho$ g ~ Y ~ H$ Ho$ nmg n m ßV gymzm CnbãY Zht h. Bg doh go C³V A{Y{Z H$s Ymam 22 Ho$ AYrZ àh$q> H$s OmZo dmbr Ano{jV gymzm Zht Xr J r h. 20. Mmby df Ho$ djuh$au H$s nw{îq> H$aZo hovw {nn>bo gmb Ho$ A H$m H$mo Ohm± H$ht Amdí H$ hmo nwz: g yhz/nwz:djuh $V/nwZ:ì dpñwv {H$ m J m h. 21. namoj nõ{v Ho$ Cn moj H$aVo hþe ZH$X àdmh V ma {H$ m J m h. Or Zmam UZ AÜ j Ama E e H$a Zmam UZ à~ Y {ZXoeH$ Ed grb Amo ZmJoída amd dmb H$m H$mar {ZXoeH$ wabr am ñdm r H$m H$mar {ZXoeH$ EZ. lr{zdmgm amd {ZXoeH$ Or nr ~moam {ZXoeH$ {ddoh$ gmozr E ^Jd V amd dr dr Ama emór {ZXoeH$ Eg akwzmw {ZXoeH$ {ZXoeH$ a OZ S>moJ«m {ZXoeH$ {ZXoeH$ amkd Xa JwßVm {ZXoeH$ h mao g {XZm H$ H$s [anmoq> Ho$ AZwgma ñwmz : ~ Jbyé {XZm H$ : H $Vo ogg OJÞmWZ EÊS> ga~oñdaz gzxr boimh$ma n OrH$aU g eg EZ a JZ gmpoxma gxñ Vm g H $Vo ogg Amo nr ~½bm EÊS> H $. EbEbnr (nhbo ogg Amo nr ~½bm EÊS> H $.) gzxr boimh$ma n OrH$aU g ez/ezdmb E amho$e Hw$ ma gmpoxma gxñ Vm g H $Vo ogg {ed qoxb EÊS> H $. gzxr boimh$ma n OrH$aU g ez {dh«$ qoxb gmpoxma gxñ Vm g H $Vo ogg àmboμ n Å> EÊS> H $. gzxr boimh$ma n OrH$aU g.02783eg E ZmJZmWZ gmpoxma gxñ Vm g

151 H$mo g má df Ho$ {be ZH$Xr àdmh H$m {ddau (AàË j nõ{v) (éne 000 H$mo N>moS> {X m J m) Y m {ddau H$mo g má df Ho$ {be H$mo g má df Ho$ {be n[ammbz J{V{d{Y m go ZH$Xr àdmh H$a Ho$ ~mx {Zdb bm^ AMb AmpñV m na yë õmg Ho$ {be àmdymz AMb AmpñV m H$s {~H«$s na bm^ Mmby AmñW{JV H$a Am H$a Ho$ {be àmdymz E EQ>r F$U hh$xmar 0 0 J {ZAm / nwzgªa{mv A{J«Ho$ g ~ Y àmdymz mzh$ AmpñV m Ho$ {be àmdymz {Zdoe Ho$ yë õmg Ho$ {be àmdymz Jm U ~m S> na ã mo H$m ^wjvmz / àmdymz AÝ Xm Ho$ {be àmdymz Cn Hw$b : n[ammbz AmpñV m d Xo VmAm {Zdb n[adv Z g m mooz {Zdoe {JamdQ> / (d {Õ ) A{J«m {JamdQ> / (d {Õ ) O mam{e m d {Õ / ({JamdQ> ) CYma d {Õ / ({JamdQ> ) AÝ AmpñV m {JamdQ> / (d {Õ ) AÝ Xo VmAm / àmdymzm d {Õ / ({JamdQ> ) H$a (àxîm) / dmngr n[ammbmë H$ J{V{d{Y m go CËnÞ {Zdb ZH$Xr (H$) {Zdoe J{V{d{Y m go ZH$Xr àdmh AMb AmpñV m ({Zdb) {Zdoe J{V{d{Y m go CËnÞ {Zdb ZH$Xr (I) {dîmr J{V{d{Y m go CËnÞ ZH$Xr àdmh eo a ny Or H$m {ZJ Z eo a AmdoXZ am{e eo a àr{ Omar Jm U ~m S> A mo{mv Jm U ~m S> Jm U ~m S> na ã mo àxîm A{Y mzr bm^m e d Cg na àxîm H$a 0 0 B {H$dQ>r bm^m e d Cg na àxîm H$a

152 dm{f H$ [anmoq> {ddau H$mo g má df Ho$ {be H$mo g má df Ho$ {be àxîm A V[a bm^m e d Cg na àxîm H$a 0 0 {dîmr J{V{d{Y m go CËnÞ {Zdb ZH$Xr (J) {Zdb ZH$Xr Am a ZH$Xr g Vwë am{e (H$ + I + J) df Ho$ àma ^ ZH$Xr Am a ZH$Xr g Vwë am{e hmw ZH$Xr ^mavr [aod ~ H$ eof am{e ~ H$m eof am{e d m J Am a Aën gymzm na à{vxo am{e df Ho$ A V ZH$Xr Am a ZH$Xr g Vwë am{e hmw ZH$Xr ^mavr [aod ~ H$ eof am{e ~ H$m eof am{e d m J Am a Aën gymzm na à{vxo am{e ~ H$ Ho$ {ZXoeH$ S>b Zo {X H$mo hþb ~ R>H$ Cn w º$ ZH$Xr àdmh {ddau H$mo A{^{bpIV {H$ m. Or Zmam UZ AÜ j wabr am ñdm r H$m H$mar {ZXoeH$ {ddoh$ gmozr {ZXoeH$ Eg akwzmw {ZXoeH$ Ama E e H$a Zmam UZ à~ Y {ZXoeH$ Ed grb Amo EZ. lr{zdmgm amd {ZXoeH$ E ^Jd V amd {ZXoeH$ a OZ S>moJ«m {ZXoeH$ ZmJoída amd dmb H$m H$mar {ZXoeH$ Or nr ~moam {ZXoeH$ dr dr Ama emór {ZXoeH$ amkd Xa JwßVm {ZXoeH$ ñwmz : ~ Jbyé {XZm H$ : H $Vo ogg OJÞmWZ EÊS> ga~oñdaz gzxr boimh$ma n OrH$aU g eg EZ a JZ gmpoxma gxñ Vm g H $Vo ogg Amo nr ~½bm EÊS> H $. EbEbnr (nhbo ogg Amo nr ~½bm EÊS> H $.) gzxr boimh$ma n OrH$aU g ez/ezdmb E amho$e Hw$ ma gmpoxma gxñ Vm g h mao g {XZm H$ H$s [anmoq> Ho$ AZwgma H $Vo ogg {ed qoxb EÊS> H $. gzxr boimh$ma n OrH$aU g ez {dh«$ qoxb gmpoxma gxñ Vm g H $Vo ogg àmboμ n Å> EÊS> H $. gzxr boimh$ma n OrH$aU g.02783eg E ZmJZmWZ gmpoxma gxñ Vm g

153 ñdv Ì boim narjh$m H$s [anmoq> godm ^mav Ho$ amï >n{v {dîmr {ddaum na [anmoq> 1. h Zo Wm 31 mm 2018 H$mo {do m ~ H$ Ho$ g b¾ {dîmr {ddaum H$m {ZarjU {H$ m h {Og 31 mm, 2018 Ho$ VwbZ nì VWm Cg {XZm H$ H$mo g má bm^-hm{z boim VWm ZH$Xr àdmh {ddau VWm hëdnyu boim Zr{V m VWm AÝ ì m» më H$ gymzm em{ b h. Bg h mao Ûmam boimnar{jv 20 emimam Am a emim boim narjh$m Ûmam boim nar{jv 1023 emimam H$s {dda{u m± g m{dï> h. ~ H$ Zo, h mao Ûmam nar{jv Am a AÝ boim narjh$m Ûmam nar{jv emimam H$m M Z, ^mavr [aμod ~ H$ Ûmam Omar mj {ZX}em Ho$ AZwgma {H$ m h. VwbZ nì, bm^-hm{z boim CZ 1098 emimam H$s {dda{u m gpå {bv H$s J r h, {OZH$s boim narjm Zht H$s J r h. o J a boim nar{jv emime 10.83% A{J«H$m, 19.49% O mam{e m H$m, 7.19% ã mo na Am Am a 18.91% ã mo na ì Ho$ ~ZVo h. {dîmr {ddaum Ho$ {be à~ YZ CÎmaXm{ Ëd 2. ~ qh$j {d{z Z A{Y{Z, 1949, ^mavr [aod ~ H$ {Xem{ZX}em VWm AmB greamb Ûmam Omar boim mzh$ g{hv hëdnyu boim Zr{V m Ho$ AZwgma BZ {dîmr {dda{u m H$s V mar à~ YZ H$m CÎmaXm{ Ëd h. Bg CÎmaXm{ Ëd, {dîmr {dda{u m H$s ê$naoim, CgH$m H$m m Ýd Z VWm {dda{u m H$mo Ìw{Q>a{hV, Mmho Ìw{Q> YmoImYS>r go m JbVr go hmo, V ma H$aZo go g ~ Yr Am V[aH$ {Z ÌU H$m ai-aimd em{ b h. boimnarjh$ H$m CÎmaXm{ Ëd 3. h mar boimnarjm na AmYm[aV BZ {dda{u m na am Om{ha H$aZm h mar {Oå oxmar h. h Zo ^mavr gzxr boimh$ma g ñwmz Ûmam Omar boimnarjm Ho$ mzh$m Ho$ AZwgma boimnarjm H$s h. BZ mzh$m H$s Amdí H$Vm h {H$ h Z {VH$ Amdí H$VmAm H$m AZwnmbZ H$a VWm moozm V ma H$aHo$ boimnarjm H$a Vm{H$ {dîmr {dda{u m Ho$ ~mao g w{mv AmœmgZ n m á hmo {H$ BgH$s gm {J«JbV {ddau Zht h. 4. boimnarjm, {dîmr {dda{u m {bpiv am{e VWm àh$q>rh$au Ho$ g ~ Y boimnarjm gmú n m á H$aZo hovw à{h«$ mam H$mo em{ b H$aZm h. M Z H$s J r à{h«$ m, boimnarjh$m Ho$ {ZU na AmYm[aV h {Og {dîmr {dda{u m H$s Ìw{Q> m Ho$ OmopI H$m yë m H$Z ^r em{ b h, Mmho do YmoImYS>r Ho$ H$maU hmo m JbVr go hmo. Eogo OmopI yë m H$Z H$aVo g, boimnarjh$, H $nzr Ûmam {dîmr {dda{u m H$s V mar d C{MV àñvw{v go g ~ {YV Am V[aH$ {Z ÌU na ^r {dmma H$aVo h Vm{H$ Cg g X^ Ho$ {be C{MV boimnarjm à{h«$ mam H$mo V ma {H$ m Om gho$. boimnarjm à wº$ boim Zr{V m H$s g w{mvvm H$m yë m H$Z VWm à~ YZ Ûmam {H$ m J m boim àm $bz H$s g w{mvvm VWm {dîmr {dda{u m H$s g J«àñVw{V H$m yë m H$Z ^r em{ b h. 5. h {dœmg h {H$ h mao Ûmam OwQ>mE JE boimnarjm gmú h mao boimnarjm V H$mo Xem Zo hovw n m á VWm C{MV AmYma h. am 6. h mar am Am a h mar gdm}îm OmZH$mar Ed h {XE JE ñnï>rh$au VWm ~ H$ H$s ~{h m Xem E JE AZwgma : i) ^mav gm mý ê$n go ñdrh $V boimh$au Zr{V Ho$ AZwnmbZ H$aVo hþe,{q>ßn{u m Ho$ gmw n{r>v VwbZ-nÌ, nyu Ed {Zînj h, {Og Amdí H$ g^r {ddau {XE JE h Am a Bgo ghr T> J go V ma {H$ m J m h, Vm{H$ 31 mm, 2018 VH$ ~ H$ Ho$ H$mamo~ma H$m ghr {Zînj {MÌ Xem m Om gho$; ii) ^mav gm mý ê$n go ñdrh $V boimh$au Zr{V m Ho$ AZwnmbZ H$aVo hþe, {Q>ßn{U m Ho$ gmw n{r>v bm^-hm{z boim, boim go g ~ {YV df A{O V bm^ H$s ghr eof am{e Xem Vm h ; VWm iii) ZH$Xr àdmh {ddau, {ddau H$s Ad{Y Ho$ {be ZH$Xr àdmh H$m ghr Ed {Zînj {MÌ Xem Vm h. 147

154 dm{f H$ [anmoq> AÝ {d{y VWm {d{z m H$ Amdí H$VmAm na [anmoq> 7. VwbZ-nÌ Am a bm^-hm{z boim, ~ qh$j {d{z A{Y{Z 1949 H$s Ymam 29 Ho$ àmdymzm Ho$ AZwgma V ma {H$ m J m h. 8. Cn w º$ AZwÀN>oX 1 go 5 VH$ {Z{X ï> boim narjm H$s gr m Ho$ AYrZ Am a ~ qh$j H $nzr (CnH«$ m H$m AO Z Am a A VaU) A{Y{Z, 1980 H$s AnojmZwgma Am a gmw hr CZ ~mvm Ho$ AYrZ, {OZH$mo àh$q> H$aZo na Bg A{Y{Z à{v~ Y bjm m J m h, h [anmoq> H$aVo h {H$ : H$) h Zo Eogr gmar OmZH$mar Ed ñnï>rh$au àmá {H$E h, Omo {H$ h mar gdm}îm OmZH$mar VWm {dœmg Ho$ AZwgma, boim narjm Ho$ {be Amdí H$ Wo Am a h Zo CZH$mo g VmofOZH$ nm m h. I) gah$mar {d^mj VWm H$mnm}aoQ> {ZH$m m Ûmam Imobo JE ~MV ~ H$ ImVm Ho$ {gdm ~ H$ Ho$ Omo boz-xoz h mar OmZH$mar AmE h, do ~ H$ Ho$ A{YH$mam Ho$ A Xa h. J) ~ H$ Ho$ H$m m b Am a emimam go àmá {dda{u m±, h mar boim narjm Ho$ {be n m á nm r JB h. 9. AmJo, h [anmoq> H$aVo h {H$ H$) VwbZ nì, bm^ d hm{z ImVm, ImVm ~{h m VWm {ddaur Ho$ AZwgma h. I) ~ qh$j {d{z Z A{Y{Z, 1949, H$s Ymam 29 Ho$ AYrZ ~ H$ Ho$ AÝ emim boim narjh$m Ûmam boim nar{jv emimam Ho$ ImVm H$s [anmoq> h ào{fv H$s JB h VWm Bg [anmoq> H$s V mar BgH$mo C{MV ê$n go {b m J m h. J) h mar am, AmB greamb Ûmam g emo{yv EEg 4 Ho$ VhV àñvm{dv bm^m e Am a Cg na H$a Ho$ boim H$Z go g ~ {YV I S>, Omo ^mavr [aod ~ H$ go ñnï>rh$au hovw b {~V h, H$mo N>mo S>H$a VwbZ nì, bm^ d hm{z ImVm VWm ZH$X àdmh {ddau bmjy boim mzh$ Ho$ AZwgma h. h mao g {XZm H$ H$s [anmoq> Ho$ AZwgma ñwmz : ~ Jbyé {XZm H$ : H $Vo ogg OJÞmWZ EÊS> ga~oñdaz gzxr boimh$ma n OrH$aU g eg EZ a JZ gmpoxma gxñ Vm g H $Vo ogg Amo nr ~½bm EÊS> H $. EbEbnr (nhbo ogg Amo nr ~½bm EÊS> H $.) gzxr boimh$ma n OrH$aU g ez/ezdmb E amho$e Hw$ ma gmpoxma gxñ Vm g H $Vo ogg {ed qoxb EÊS> H $. gzxr boimh$ma n OrH$aU g ez {dh«$ qoxb gmpoxma gxñ Vm g H $Vo ogg àmboμ n Å> EÊS> H $. gzxr boimh$ma n OrH$aU g.02783eg E ZmJZmWZ gmpoxma gxñ Vm g

155 31 mm 2018 H$mo ~ogb àh$q>rh$au XñVmdoμO Vm{bH$m S>rE $ - 1 Omo ~ H$ g yh BH$mB m àh$q>z na h, ~ H$ Ho$ {be bmjy Zht. Vm{bH$m S>rE $ - 2 ny Or n m ßVVm JwUmË H$ àh$q>rh$au (H$) dv mz VWm ^{dî H$s J{V{d{Y m Ho$ g W Z Ho$ {be ~ H$ H$s AnZr ny Or n m ßVVm Ho$ {ZYm au H$s nõ{v na MMm H$m gmam e ^m[a~ Ho$ {ZXoemZwgma, h mao ~ H$ Zo go à^mdr F$U OmopI Ho$ {be? " mzh$sh$au Ñ{îQ>H$moU', ~mμoma OmopI Ho$ {be " mzh$sh$au Ad{Y Ñ{îQ>H$moU' VWm n[ammbz OmopI Ho$ {be " yb g Ho$V Ñ{îQ>H$moU' AnZm m h. m OyXm VWm ^{dî Ho$ {H«$ mh$bmnm Ho$ g W Z hovw A{V[a³V ny Or {ZYm au Ho$ {be ~ H$ V ma H$s JB AmB greenr Zr{V H$mo AnZmVm h. H$mamo~ma Ho$ ^{dî H$s d {Õ H$mo Ü mz aivo hþe gvv AmYma na {Z m H$ Ý yzv go A{YH$ n m ßV ny Or Ho$ ai-aimd hovw AmB greenr H$s AY dm{f H$ AmYma na g rjm H$s OmVr h n[a mumë H$ àh$q>rh$au (éne H$amo S>m ) (I) ~ogb-ii d ~ogb-iii Ho$ AYrZ F$U OmopI Ho$ {be ny Or Amdí H$VmE± mzh$sh$au Ñ{îQ>H$moU Ho$ AYrZ g {d^mj (10.25% Ho$ Ý yzv (AÝ AmpñV m± g{hv VWm à{vê$n nmq>u Ama{jV {dxoer wðm OmopI ) gramaeama na ny Or H$s Amdí H$Vm) (J) (K) à{v^y{vh$au OmopI Hw$N> Zht - My {H$ à{v^y{vh$au Ho$ A VJ V ~ H$ H$m H$moB OmopI Zht h. ~mμoma OmopI hovw ny Or Amdí H$VmE mzh$sh$au Ad{Y Ñ{îQ>H$moU ~ogb-ii Ho$ AYrZ ã mo Xa OmopI {dxoer {d{z OmopI 4.50 B {³dQ>r OmopI ~ogb-iii* Ho$ AYrZ ã mo Xa OmopI {dxoer {d{z OmopI B {³dQ>r OmopI 4.50 * ` 6.81 H$amo S>> à{vym[avm g m mooz Ho$ ~mx n[ammbz OmopI Ho$ {be ny Or Amdí H$VmE±- yb gymh$ Ñ{îQ>H$moU ~ogb- II d ~ogb-iii (L>) ~ogb-ii ~ogb-iii Amdí H$ ny Or Ý yzv ny Or Amdí H$Vm : air J r ny Or ny Or {Z{Y ( Wm H$mo) : Hw$b VWm {Q> a 1 ny Or AZwnmV ~ogb-ii ~ogb-iii > erf g o{h$v g yh Ho$ {be gramaeama ( Wm H$mo) : 13.32% 13.90% gm mý B {³dQ>r {Q> a % {Q> a 1 ny Or 10.75% 11.71% {Q> a 2 ny Or 2.57% 2.19% 1.875% H$m ny Or g aju ~ $a em{ b h hëdnyu ~ H$ AZwf {J m Ho$ {be bmjy Zht, My {H$ h mao ~ H$ H$s H$moB ghm H$ g ñwm Zht h. (^mavr [aod ~ H$ Ho$ n[anì g. S>r~rAma g. ~rnr.~rgr 83 / / {XZm H$ Ho$ O[aE {Z m H$ ny Or JUZm mý Vm àmßv g A Va go g ~ {YV ` H$amo S> én o {Zdb S>rQ>rE h ) 149

156 dm{f H$ [anmoq> JwUmË H$ àh$q>rh$au (H$) F$U OmopI Ho$ g ~ Y gm mý JwUmË H$ àh$q>rh$au {Og em{ b h {nn>bm A{VXo VWm AZO H$ H$s n[a^mfm (boimh$au H$m Ho$ {be) ~ H$ H$s F$U OmopI à~ YZ Zr{V na MMm n[a mumë H$ àh$q>rh$au (I) gh$b F$U OmopI - - {Z{Y AmYm[aV d J a {Z{Y AmYm[aV Vm{bH$m S>rE $ - 3 F$U OmopI - gm mý àh$q>rh$au ~ H$ H$s F$U OmopI à~ YZ à{h«$ m, EH$ μo~yv àumbr, H$m nõ{v m VWm Zr{V na MbVr h. Ohm± S>b Ho$ {ZXoeH$ d OmopI à~ YZ g{ {V {ZXoe XoVr h dht à~ Y {ZXoeH$ Ed w» H$m H$mar A{YH$mar Ûmam g Mm{bV F$U OmopI à~ YZ g{ {V CgH$m H$m m Ýd Z gw{z{ímv H$aVr h. F$U OmopI à~ YZ, g nm{íd H$ à~ YZ VWm F$U OmopI Cnem H$ (gramae ) Xa {ZYm au Am{X Ho$ {be Zr{V {Xem{ZX}e V ma {H$ o JE h {Og CÔoí, Jw OmBe VWm OmopI [anmoq> H$aZo H$m ñdê$n, CgH$s mn àum{b m±, Zr{V m±, gramae Ho$ μo[ae OmopI H$m {Z {ÌV/H$ H$aZo hovw AnZmB OmZodmbr auzr{v m±, à{h«$ më H$ H$X, Cnem H$ Ho$ {Za Va à^md Ho$ {be {dh$mg, g drjm VWm n doju Ì Ho$ ~mao {dñv V OmZH$mar Xr J r h. ~ogb && mzx S>m Ho$ CÀMVa Ñ{îQ>H$moU VH$ OmZo Ho$ {be ~ H$ Zo F$U OmopI {ZYm au, F$U OmopI, ~mμoma OmopI, n[ammbz OmopI, EEbE VWm E $Q>rnr Ho$ N>: g mymzm Ho$ mü go EH$sH$aU OmopI à~ YZ H$m H$m m Ýd Z AnZm m h. AmB AmaEgr mzx S> na ~ H$ H$s Zr{V (Am {ZYm au VWm AmpñV djuh$au) ^mavr [aμod ~ H$ Ûmam g -g na Omar g emo{yv {Xem{ZX}em Ho$ AmYma na h. AmpñV m H$mo {ZînmXH$ VWm J a {ZînmXH$ AmpñV m Ho$ ê$n djuh$au H$aZo hovw 90 {XZm Ho$ MyH$ mzx S> AnZm m OmVm h. AmB AmaEgr Ho$ g nyu Am H$S>o boim narjm Ho$ AYrZ h. mzh$ AmpñV ({ZînmXH$) VWm J a {ZînmXH$ AmpñV XmoZm na {ZYm [avmzwgma n m ßV àmdymz {H$ m J m h. BgHo$ Abmdm nwza {MV AmpñV m Ho$ {be ~ H$ Zo gm mý AñWmB àmdymz VWm A{V[a³V àmdymz gw{z{ímv {H$ m h. AZO H$ AmpñV m H$s n[a^mfm (boimh$au CÔoí Ho$ {be) H$moB AmpñV J a {ZînmXH$ V~ ~ZVr h O~ Cggo ~ H$ H$mo Hw$N> Am àmßv Z hmo O go (H$) O~ F$U H$m ã mo d/ m {H$ñV A{VXo? ~ZVm h (*) r mxr F$U Ho$ g ~ Y 90 {XZm Ho$ A{YH$ H$s Ad{Y Ho$ {be (I) ImVm V~ "AmCQ> Am $ AmS> a' ~ZVm h O~ dh (#) ZH$X F$U O gr n[ammbz gr mam Ho$ g ~ Y 90 {XZm VH$ AàM{bV hmo (J) IarXo JE {~b/^wzme JE {~b Ho$ g ~ Y {X {~b "A{VXo ' ~Z OmVo h (K) {H$gr ^r {V mhr à^m[av ã mo H$mo {V mhr Ho$ A V go 90 {XZm Ho$ A Xa dgyb Z {H$ m J m h (L>) Aënmd{Y $gb F$Um Ho$ m bo yb am{e H$m {H$íV m Cg na ã mo Xmo $gb m g m Ho$ {be A{VXo hmo VWm XrKm d{y $gb F$Um Ho$ m bo yb am{e H$m {H$íV m Cgna ã mo EH$ $gb m g A{VXo ahvm hmo (M) O~ J a {Z{Y AmYm[aV am{e m Ho$ n[au{v H$s VmarI go 90 {XZ g mßv hmozo na. "A{VXo ' H$m VmËn h {H$gr F$U gw{dym Ho$ AYrZ ~ H$ H$mo Xo H$moB am{e, {X dh Xo {Z V {XZm H$ H$mo m J a {Z{Y AmYm[aV am{e Ho$ n[auv hmozo na ^wjvmz Zht {H$ m OmVm. # "AmCQ> Am $ AmS> a' H$m VmËn h ~H$m m eof Oya gr m/amhau A{YH$ma go {Za Va ê$n go A{YH$ ahvm h m 90 {XZ {Za Va ê$n go Amdí H$ am{e O m Zht H$s J r m 90 {XZm go nhbo Zm o S>mbm J m ã mo H$mo àmd[av H$aZo hovw ImVo H$m $s O m Z hmo Vmo. ~ H$ H$s F$U OmopI à~ YZ Zr{V na MMm : ~ H$ Zo EH$ ì mnh$ F$U OmopI à~ YZ Zr{V H$m gyìnmv {H$ m h VWm F$U OmopI à~ YZ g{ {V, ~ogb && H$m H$mar g yh Am{X O gr {d{^þ g{ {V m H$mo J{R>V {H$ m h Vm{H$ H$B à~ YZ VH$ZrH$m H$mo gwymam Om gho$ {Oggo F$U OmopI na à{vhy$b à^md S>mbZodmbo ~mø VWm Am V[aH$ KQ>H$m H$mo {hgm~ bovo hþe F$U OmopI m H$s nhmmz, mnz, g drjm d {Z ÌU H$aZo ~ H$ H$mo XX { bo. ~ H$ Zo OmopI à~ YZ Zr{V m± VWm CYma Zr{V H$mo Am a gwmmê$ ~Zm m h. Bg F$U yë m H$Z Zm O go ~ M mh $/à wi {dîmr g Ho$VH$m na amoh$ AZwnmV, Am V[aH$ A{YH$V gr m, ~S>o F$U àñvmd Ho$ {be {ddoh$nyu mzx S>, F$U g Ho$ÐrH$aU, F$U g rjm g Ì/F$U boim narjm, CÀM yë CYma ImVm (ì mnh$ F$U g drjm [anmoq> ) H$s {deof g rjm, OmopI, g H $ÐrH$aU/OmopI Xa {ZYm au Ho$ AmYma na AZwdrjU d bmjv {ZYm au VWm OmopI Xa {ZYm au Ho$ AmYma na g rjm em{ b h VWm Bg g yh, Xa {ZYm au Am a g doxzerb joì O go ny Or ~mμoma, ^y g nxm VWm nê joì Ho$ {be OmopI CÀMV gr m ^r àmd[av h. ~ H$ H$s ì mnh$ dgybr Zr{V ^r V ma H$s J r h VWm g -g na g emo{yv {H$ m J m h. gh$b F$U OmopI {Z{Y AmYm[aV gh$b F$U : ` H$amo S>> {Zdoe : ` H$amo S>> AÝ AmpñV m : ` H$amo S>> J a {Z{Y AmYm[aV ~ror/ebgr : ` H$amo S>> ì wënþ VWm : ` H$amo S>> grgrambeb/e grešg AZmh[aV : ` H$amo S>> Hw$b : ` H$amo S>> 150

157 (J) F$U OmopI H$m ^m Jmo{bH$ g {dvau- {Z{Y AmYm[aV d J a {Z{Y AmYm[aV AbJ-AbJ > g wðnmar > Xoer g wðnmar : {Z{Y AmYm[aV d J a {Z{Y AmYm[aV: Hw$N> Zht Xoer : {Z{Y AmYm[aV gh$b F$U : ` H$amo S> {Zdoe : ` H$amo S>> AÝ AmpñV m : ` H$amo S>> J a {Z{Y AmYm[aV ~ror/ebgr : ` H$amo S>> ì wënþ VWm : ` H$amo S>> grgrambeb/ E grešg AZmh[aV : ` H$amo S>> Hw$b : ` H$amo S>> gh$b F$U, EZE $~r VWm EMQ>rE {Zdoem H$m ^m Jmo{bH$-dma g {dvau {ZåZmZwgma h : (` H$amo S>m ) amá gh$b F$U J a-{z{y EMQ>rE {Zdoe Hw$b AmYm[aV A S> mz d {ZH$mo~ma Am Y«àXoe AéUmMb àxoe Ag {~hma M S>rJT > N>ÎmrgJT > XmXam VWm ZJa hdobr X Z Ed Xrd {Xëbr Jmodm JwOamV h[a mum {h mmb àxoe Oå w d H$í ra PmaI S> H$Zm Q>H$ Ho$ab Ü àxoe hmamîq > {Unwa okmb { Omoa ZmJmb S> CS>rgm nm {S>Moar n Om~ amoñwmz {g{ $ V{ bzmsw> Vob JmUm {Ìnwam CÎma àxoe CÎmam Mb n{ím ~ Jmb Hw$b

158 dm{f H$ [anmoq> (K) F$U ({Z{Y AmYm[aV VWm J a-{z{y AmYm[aV) H$m CÚmoJdma g {dvau {ZåZmZwgma h : am{e (`) H$amo S>m CÚmoJ {Z{Y AmYm[aV J a-{z{y AmYm[aV E. IZZ Am a CËIZZ (E.1 + E.2) E.1 H$mo bm E.2 AÝ ~r. ImÚ àg ñh$au (~r.1 go ~r.5 H$m Hw$b) ~r.1 MrZr ~r.2 ImÚ Vob Am a dzñn{v ~r.3 Mm ~r.4 H$m $s ~r.5 AÝ gr. no nxmw (Mm Am a H$m $s H$mo N>moS>H$a) VWm V ~mhy$ (gr.1 Am a gr.2 H$m Hw$b) gr.1 V ~mhy$ Am a V ~mhy$ CËnmX gr.2 AÝ S>r. dó (S>r.1 go S>r.6 H$m Hw$b) S>r.1 H$nmg S>r.2 OyQ> S>r.3 hñv{eën / ImXr (J a-àmw{ H$Vm) S>r.4 AÝ K (AWm V Hw$b dó) go H$VmB H$maImZo H$mo B. M S>m Am a M S>m CËnmX E $. H$mð> Am a H$mð> CËnmX Or. H$mJO Am a H$mJO CËnmX EM. noq >mo{b (J a-b «$m), H$mo bm CËnmX (J a-izz) VWm na muw BªYZ AmB. amgm {ZH$ Am a amgm {ZH$ CËnmX (a J, n Q>, Am{X) (AmB.1.1 go AmB.1.4 H$m Hw$b) AmB.1 Cd ah$ AmB.2 Am f{y Am a Xdm AmB.3 noq >m-ho${ H$ëg (B «$mñq >ŠMa Ho$ AYrZ H$mo N>moS>H$a) AmB.4 AÝ Oo. a~s>, ßbmpñQ>H$ Am a AÝ CËnmX Ho$. H$m M Am a H$m M Ho$ CËnmX

159 CÚmoJ {Z{Y AmYm[aV J a-{z{y AmYm[aV Eb. {g Q> Am a {g Q> CËnmX E. yb YmVw Am a YmVw CËnmX (E.1 + E.2) E.1 bmohm Am a BñnmV E.2 AÝ YmVw Am a YmVw CËnmX EZ. g^r B {OZr [a J (EZ.1 + EZ.2) EZ.1 BboŠQ >m {ZŠg EZ.2 AÝ Amo. dmhz, dmhz nwo} VWm n[adhz CnH$aU nr. aëz Am a Am^yfU Š y. {Z m U Ama. g amzm (Ama.1 go Ama.4 H$m Hw$b) Ama.1 nhadhz (Ama.1.1 go Ama1.5 H$m Hw$b) Ama.1.1 aob Ama.1.2 gs>h$ mj Ama.1.3 hdmb AÈ>m Ama.1.4 Ob mj Ama.1.5 AÝ Ama.2 D$Om (Ama.2.1 go Ama.2.4 H$m Hw$b) Ama.2.1 {dúwv (g OZ-n[adhZ Am a g {dvau) Ama.2.2 Vob (^ S>maU VWm nmbnbmbz) Ama.2.3 J g/ebezor (^ S>maU VWm nmbnbmbz) Ama.2.4 AÝ Ama.3 Xÿag Mma Ama.4 AÝ (Ama.4.1 go Ama.4.3 H$m Hw$b) Ama.4.1 nmzr d ñdàn>vm Ama.4.2 gm m{oh$ VWm dm{upá H$ g amzm Ama.4.3 AÝ Eg. AÝ CÚmoJ g^r CÚmoJ(E go Eg H$m Hw$b) Ad{eîQ> AÝ A{J«(gH$b A{J«m Ho$ gmw ob hmozm) (H$+I+J) gh$b Hw$b F$U d A{J«

160 dm{f H$ [anmoq> (L>) Wm H$mo AmpñV m H$m Ad{eîQ> g {dxmjv n[an³dvm ~«oh$s>mcz 154 (` H$amo S>m ) Ad{Y 1 {XZ 2-7 {XZ 8-14 {XZ {XZ 31 {XZ-2 2 hrzm go 3 3 hrzm go 6 6 hrzm go 1 df go A{YH$ 3 df go A{YH$ 5 dfm] go Hw$b hrzo hrzo VH$ hrzo VH$ 12 hrzo VH$ d 3 df VH$ d 5 df VH$ A{YH$ E $.gr. AmpñV m± {Zdb A{J« {Zdb {Zdoe H$s pñw{v (` H$amo S>m ) (M) EZnrE H$s am{e (gh$b) Ad mzh$ g {X½Y g {X½Y g {X½Y hm{z 8.72 (N>) {Zdb EZnrE (O) EZnrE AZwnmV gh$b A{J«Ho$ à{v gh$b EZnrE 6.34 {Zdb A{J«Ho$ à{v {Zdb EZnrE (P) EZnrE H$m CVma-M T>md (gh$b) 4.32 AWeof > n[ady Z > H$Q>m {V m± B{Veof EZnrE H$m CVma-M T>md ({Zdb) AWeof n[ady Z/ H$Q>m {V m - B{Veof (Äm) EZnrE hovw àmdymz H$m CVa-MT>md AWeof > Ad{Y Ho$ Xm amz {H$E JE àmdymz ~Å>o ImVm S>mbZm > A{V[a³V àmdymzm H$m à{vboiz B{Veof ({ZnQ>mE Am a ^wjvmz Ho$ {be b {~V S>rAmB grorgr / B grorgr Xmd `63.18 H$amo S>>) (Q>) J a-{zînmxz {Zdoem H$s am{e 9.08 (EMQ>rE lour Ho$ AYrZ) (R>) J a-{zînmxh$ {Zdoem (EZnrAmB ) na yë õmg Ho$ {be àmdymzm H$s am{e (S>) J a-{zînmxh$ {Zdoem (EZnrAmB ) na yë õmg Ho$ {be àmdymzm H$m CVma-M T>md AWeof > Ad{Y Ho$ Xm amz {H$E JE àmdymz ~Q>o ImVm S>mbZm 0.23 A{V[a³V àmdymzm H$m à{vboiz B{Veof

161 Vm{bH$m S>rE $ - 4 F$U OmopI - mzh$sh$au Ñ{îQ>H$moU Ho$ AYrZ g {d^mjm Ho$ {be àh$q>rh$au JwUmË H$ àh$q>rh$au (H$) mzh$sh$au Ñ{îQ>H$moU Ho$ AYrZ g {d^mjm Ho$ {be ~ H$ Zo ^m[a~ Ûmam AZw mo{xv ~mø F$U aoqq>j EO {g m O go > à w³v F$U H$m XOm {ZYm au EO gr Ho$ Zm VWm n[adv Z Ho$ {be H$maU F$U OmopI Ho$ àh$ma {OZHo$ {be àë oh$ EO gr H$m à moj {H$ m OmVm h. gmd O{ZH$ {ZJ aoqq>j H$mo ~ qh$j ~hr VwbZm mo½ AmpñV m Ho$ A VaU hovw Cn moj bmb J r à{h«$ m H$m {ddau n[a mumë H$ àh$q>rh$au (I) mzh$sh$au Ñ{îQ>H$moU Ho$ A VJ V OmopI Ý yzrh$au Ho$ nímmv F$U OmopI H$s am{e m Ho$ {be {ZåZ{bpIV VrZ à wi OmopI g yhm Am a H$Q>m Vr H$s J r OmopI am{e ~ H$ H$s ~H$m m am{e m± (aoqq>j g{hv Am a aoqq>j a{hv) gramaamb EgAmB Eb/AmB gramae/e $AmB Q>rgrEM/EggrEAmaB / EgE B AmaE/{~«H$dH $ Ho$ hr Xa {ZYm aum H$m Cn moj {H$ m h. ~mø Xa {ZYm au à{h«$ m H$mo gw{dymozh$ ~ZmZo VWm AnZo {Zdoe Ho$ {be J«mhH$m H$mo ~mø Xa {ZYm au H$s m±j H$aZo mo½ ~ZmZo hovw ~ H$ Zo BZ {ZYm au EO {g m Ho$ gmw EH$ AbJ go g Pm Vm H$ama {H$ m h. ` 5 H$amo S>> go A{YH$ g^r H$mnm}aoQ> F$U OmopI VWm gmd O{ZH$ joì BH$mB m H$mo F$U OmopI. ~ H$ Zo Ho$db CZ ~ H$ Xa {ZYm aum H$m Cn moj {H$ m h Omo gmd O{ZH$ S>mo oz CnbãY h. BgHo$ Abmdm ~ H$ Zo H$moB gmd O{ZH$ {ZJ aoqq>j H$m Cn moj Zht {H$ m h. F$U OmopI **(éne H$amo S>m ) 100% OmopI ^ma go ZrMo > 100% OmopI ^ma % go A{YH$ OmopI ^ma > H$Q>m Vr H$s J r - {dîmr g nm{íd H$ Hw$b ** {ZåZ{bpIV VwbZ nì Ho$ ~mø OmopI ^r em{ b h EZE $~r OmopI ` H$amo S>> AZmh[aV A e ` H$amo S>> grgramb Eb d E grešg ` H$amo S>> EZE $~r {Zdoe AÝ AmpñV m ` H$amo S> > ` H$amo S>> 155

162 dm{f H$ [anmoq> JwUmË H$ àh$q>rh$au (H$) F$U OmopI Ý yzrh$au Ho$ g ~ Y gm mý JwUmË H$ àh$q>rh$au {ZåZ em{ b h : > > > VwbZ nì H$s {Zdb AdYmaUm VWm CgHo$ ~mha ~ H$ Ûmam Cn moj H$aZo H$s gr m VH$ VWm Zr{V VWm à{h«$ m Ho$ {be g nm{íd H$ yë m H$Z Am a à~ YZ Ho$ {be Zr{V m± Am a à{h«$ me± ~ H$ Ûmam br J r w» àh$ma H$s g nm{íd H$ à{v^y{v m Ho$ {ddau à{vnjr Jma Q>rH$Vm H$m w» àh$ma VWm CZH$s F$U nmìvm OmopI Ý yzrh$au Xm Ho$ A VJ V A{YH$ OmopI (~mμoma m F$U) g ~ Yr gymzm n[a mumë H$ àh$q>rh$au (I) àë oh$ AbJ go àh$q> {H$E JE F$U OmopI g {d^mj Ho$ {be Hw$b F$U OmopI (VwbZ nì H$s {Zdb AdYmaUm VWm CgHo$ ~mha Ohm H$ht bmjy hmozo Ho$ ~mx) Omo {H$ m{o Z bmjy H$aZo Ho$ ~mx nmì {dîmr g nm{íd H$ Ûmam àmd[av (AÝ AmpñV m Ho$ OmopI H$mo N>moS>H$a: ` H$amo S>>) (J) àë oh$ AbJ go àh$q> {H$E JE g {d^mj Ho$ {be Hw$b F$U OmopI (VwbZ nì H$s {Zdb AdYmaUm VWm CgHo$ ~mha Ohm H$ht bmjy hmozo Ho$ ~mx) Omo {H$ Jma Q>r/F$U ì wënþ Ûmam àmd[av (O~ H$^r ^m.[a.~. Ûmam {deof ê$n go AZw V) (AÝ AmpñV m Ho$ OmoI H$mo N>moS>H$a: ` H$amo S>>) * VwbZ nì Ho$ ~mø OmopI g{hv ** AZmh[aV g{hv Vm{bH$m S>rE $ - 5 F$U OmopI Ý yzrh$au : mzh$sh $V nõ{v Ho$ A VJ V àh$q>z ^mavr [aμod ~ H$ Ûmam ~ogb && A {V {Xem{ZX}em gy{mvmzwgma F$U OmopI H$mo H$ H$aZo Ho$ {be gm mý {gõm V O go {d{eîq> J«hUmYrH$ma aizm, Amdí H$ Ý yzv m{o Z {ZYm au, yë m H$Z, d {YH$ {Z{íMVVm, àboirh$au, Amd{YH$ {ZarjU, gwb^ VabVm Am{X H$m Cn moj {H$ m J m h. wðm ~o ob VWm n[an³dvm ~o ob Ho$ {be g m mooz g{hv g^r {ZYm [av m{o Z {be JE h. OmopI ^m[avm H$mo g ZwXo{eV H$aZo go nhbo F$U OmopI go CnbãY {dîmr g nm{íd H$m H$mo g m mo{ov {H$ m OmVm h. F$U OmopI Ý yzrh$au Ho$ à^md H$m Xþhar boimh$au Zht {H$ m OmVm h. gramae Ho$ CÔoí Ho$ {be {dîmr g nm{íd H$ ~ H$ H$s AnZr gmd{y O mam{e, ZH$X m{o Z, OrdZ nm {bgr, EZEggr, Ho$drnr, ewõvm AmYma H$m gmozm em{ b h. Jma Q>r {XE JE F$U OmopI H $Ð/amÁ gah$ma, B grorgr ~ H$ Am a groregq>re B Ûmam Jma Q>r em{ b h. gramae /Jma Q>r {XE JE F$U OmopI {H$gr ^r ~mμoma CVma-MT>md Ho$ AYrZ Zht h VWm o F$U OmopI {d{dyh $V h. F$U OmopI 156 F$U d A{J«** J a-{z{y AmYm[aV {Zdoe * (` H$amo S>m ) Hw$b OmopI gramae ({dîmr g nm{íd H$) {Zdb F$U OmopI (` H$amo S>m ) Jma Q>r H$s pñw{v F$U d A{J ** J a-{z{y AmYm[aV {Zdoe Hw$b OmopI H $Ð/amÁ gah$ma B grorgr/~ H$/ grorq>regamb Hw$b Jma Q>r {Zdb OmopI Bg H $Ð/amÁ gah$ma Ûmam Omar ~m S>/ànÌ VWm/ m H $Ð gah$ma Ûmam Jma Q>r em{ b h. mzh$sh $V nõ{v ({Z{Y d J a-{z{y AmYm[aV) Ho$ AYrZ F$U OmopI g {d^mj Ho$ {be, Hw$b nmì {dîmr g nm{íd H$ H$m n[ah$bz m{o Z, Ohm H$ht bmjy hmo, Ho$ ~mx {H$ m OmVm h.

163 Vm{bH$m S>rE $ - 6 à{v^y{vh$au mzh$sh $V à{h«$ m hovw àh$q>rh$au ~ H$ Zo H$mo g mßv df Ho$ Xm amz ~ qh$j ~hr m Q >oqs>j ~hr {H$gr ^r AmpñV H$m à{v^y{vh$au Zht {H$ m h. Vm{bH$m S>rE $ - 7 ì mnma ~hr ~moma OmopI JwUmË H$ àh$q>rh$au (H$) mzh$sh $V nõ{v Ûmam àmd[av g {d^mj g{hv ~moma OmopI Ho$ {be gm mý JwUmË H$ àh$q>rh$au H$s Amdí H$Vm n[a mumë H$ àh$q>rh$au (I) {ZåZ Ho$ {be ny Or Anojm ã mo Xa OmopI B {³dQ>r pñw{v OmopI {dxoer {d{z OmopI ~moma OmopI ã mo Xa, B {³dQ>r yë, {dxoer wðm, nê yë ~moma MbZ H$s doh go g ^m{dv OmopI h. ~ogb-ii ~moma OmopI Ho$ {be Xmo nõ{v m H$m àñvmd h Wm mzh$sh $V Ad{Y à{h«$ m VWm Am V[aH$ m S>b à{h«$ m. g à{v ~ H$ Zo "" mzh$sh $V Ad{Y à{h«$ m'' bmjy {H$ m h VWm Am V[aH$ m S>b à{h«$ m bmjy H$aZo Om ahm h. mzh$sh $V Ad{Y à{h«$ m {ZåZ {deofvme h. 1. mzh$sh $V à{h«$ m Ho$ AYrZ ny Or Anojm H$m n[ah$bz ã mo Xa OmopI, B {³dQ>r yë OmopI, {dxoer {d{z OmopI VWm nê OmopI Ho$ AmYma na {H$ m OmVm h. 2. gm mý ~moma OmopI H$m n[ah$bz g emo{yv Ad{Y VWm Am n[adv Z Ho$ AmYma na {H$ m OmVm h. 3. {deof OmopI H$m n[ah$bz ~mø OmopI Xa {ZYm au, ànì H$s Ad{Y Am{X Ho$ AmYma na {H$ m OmVm h. ny Or à^ma Ho$ n[ah$bz Ho$ CÔoí Ho$ {be ~ H$ Zo " mzh$sh $V Ad{Y nõ{v' H$mo AnZm m h Omo {ZåZ àh$ma h : H$mo ~ogb-ii Ho$ AYrZ ~mμoma OmopI Ho$ {be ny Or à^ma H$m yë (` H$amo S>m ) OmopI lour ny Or à^ma (H$) EME $Q>r Ho$ AÝVJ V Ym[aV à{v^y{v m Ho$ {be ~mμoma OmopI hovw ny Or 0.74 à^ma ã mo Xa (H$ +I) 0.74 H$. gm mý ~moma OmopI 0.74 (i) {Zdb pñw{v (g mzm Va {dmbz) 0.74 (ii) g ñvar AñdrH ${V (H$d}Ma) 0.00 (iii) D$Üd ñw AñdrH ${V (~o{gg) 0.00 I. {d{eîq> OmopI - (I) EE $Eg Ho$ AÝVJ V Ym[aV à{v^y{v m Ho$ {be ~mμoma OmopI hovw ny Or à^ma ã mo Xa (H$ +I) H$. gm mý ~moma OmopI i) {Zdb pñw{v (g mzm Va {dmbz) ii) g ñvar AñdrH ${V (H$d}Ma) 0.22 iii) D$Üd ñw AñdrH ${V (~o{gg) 0.51 I. {d{eîq> OmopI J. EE $Eg Ho$ AÝVJ V Ym[aV à{v^y{v m Ho$ {be d H$pënH$ Hw$b ny Or à^ma I. ã mo Xa g ~ Yr {biv [H$+(I m J Omo ^r A{YH$ hmo)] II. B {³dQ>r (H$+I) H$. gm mý ~mμoma OmopI I. {d{eîq> OmopI III. {dxoer {d{z Ed ñdu 4.50 IV. ~moma OmopI Ho$ {be ny Or à^ma (I+II+III) Hw$b OmopI ^m[av AmpñV m

164 dm{f H$ [anmoq> Wm H$mo ~ogb-iii Ho$ AYrZ ~moma OmopI Ho$ {be ny Or à^ma H$m Hw$b (` H$amo S>m ) OmopI lour ny Or à^ma (H$) EME $Q>r Ho$ AÝVJ V Ym[aV à{v^y{v m Ho$ {be ~mμoma OmopI hovw ny Or 0.74 à^ma ã mo Xa (H$+I) 0.74 H$. gm mý ~moma OmopI (i) {Zdb pñw{v (g mzm Va {dmbz) (ii) g ñvar AñdrH ${V (H$d}Ma) 0.00 (iii) D$Üd ñw AñdrH ${V (~o{gg) 0.00 I. {d{eîq> OmopI 0.00 (I) EE $Eg Ho$ AÝVJ V Ym[aV à{v^y{v m Ho$ {be ~mμoma OmopI hovw ny Or à^ma ã mo Xa (H$ +I) H$. gm mý ~moma OmopI i) {Zdb pñw{v (g mzm Va {dmbz) ii) g ñvar AñdrH ${V (H$d}Ma) 0.22 iii) D$Üd ñw AñdrH ${V (~o{gg) 0.51 I. {d{eîq> OmopI J. I. EE $Eg Ho$ AÝVJ V Ym[aV à{v^y{v m Ho$ {be d H$pënH$ Hw$b ny Or à^ma ã mo Xa g ~ Yr {biv [H$+(I m J Omo ^r A{YH$ hmo)] II. B {³dQ>r (H$+I) H$. gm mý ~mμoma OmopI I. {d{eîq> OmopI III. {dxoer {d{z Ed ñdu 4.50 IV. ~moma OmopI Ho$ {be ny Or à^ma (I+II+III) Hw$b OmopI ^m[av AmpñV m à{vym[av à{v^y{v m Ho$ {be g m mooz (ny Or go ~Å>o ImVo S>mbZm) g m mooz Ho$ ~mx Hw$b OmopI ^m[av AmpñV m

165 Vm{bH$m S>rE $ - 8 n[ammbz OmopI JwUmË H$ àh$q>rh$au ~ogb II go g ~ {YV ^m[a~ Ho$ A {V mj {ZX}em {ZYm [av AZwgma " yb gymh$ nõ{v' Ho$ AZwê$n n[ammbz - OmopI Ho$ {be ~ H$ ny Or à^ma n[ah$bz AnZm ahm h. ~ H$ Zo n[ammbzmë H$ OmopI à~ YZ g{ {V H$s ñwmnzm H$s h Omo g^r àh$ma Ho$ n[ammbzmë H$ OmopI m H$s nhmmz, yë m H$Z, {ZJamZr Ed {Z ÌU H$aoJr. gmw h g{ {V n[ammbzmë H$ OmopI à~ YZ (AmoAmaE ), bm g S>mQ>m, OmopI d {Z ÌU ñd- yë m H$Z (AmagrEgE), à wi OmopI gymh$ (Ho$AmaAmB ), n[añí {dícofu (EgE), H$mamo~ma pñw{v àñvwvrh$au (~rebe ) Zr{V, H$mamo~ma {Za VaVm Zr{V (~rgror), H$mamo~ma {Za VaVm d AmnXm go C^aZo H$s moozm, AmCQ>gmog S> J{V{d{Y m, Z m CËnmX d J{V{d{Y m H$s g rjm, Ho$dmB gr mzx S> Am a YZ emoyz {ZdmaU Am{X g ~ Yr {dñv V Zr{VJV mj {ZX}em Ho$ AZwnmbZ go Bg àh$ma Ho$ OmopI m Ho$ Ý yzrh$au Ho$ Cnm H$aoJr. AmJo, ~ H$ n[ammbzmë H$ OmopI H$m à~ YZ, {Z ÌU Ed Ý yzrh$au hovw {ZåZ Cnm H$a ahm h : AZwXoe nwpñvh$m/ ZwAb Amd{YH$ A Vambm na AÚVZ H$aZo Ho$ Abmdm {Z { V/dm{f H$ ñva na g rjm Ho$ ~mx {d{dy Zr{V m H$m g emoyz {H$ m OmVm h. Ì m{gh$ AmYma na n[ammbzmë H$ OmopI hm{z (YmoImYS>r g{hv d a{hv S>mQ>m) H$s gymzm n[ammbzmë H$ OmopI à~ YZ g{ {V H$mo Xr OmVr h. {d{^þ YmoImY S>r na àumbrjv AÜ Z {H$ m OmVm h Am a H$m m Ýd Z Ho$ {be àemg{zh$ H$m m b m H$mo CnMmamË H$ Cnm m H$m gwpmd {X m OmVm h. AmB Q>r gwajm Zr{V ~ H$ ~ZmB JB h VWm {d{dy AmB Q>r gwajm g mymz O go S>mQ>m Ho$Ð Ed emimam H$mo EÊQ>r d ag, $m a dmb, EZ{H«$ßeZ VH$ZrH$s, BZQ >ez {S>Q>oŠeZ àumbr, do~ {μ $ëq>[a J g mymz, O~ya nmgds> n[adv Z, am Q>a AmYm[aV gwajm Zr{V, ZoQ>dH $ gwajm Zr{V H$m AZwnmbZ {H$ m. ApßbHo$eZ EŠgog {Z ÌU g ~ Yr Zr{V, nmgds> gwajm, nmgds> H$m Xþén moj g ~ Yr mj {ZX}e Am{X H$m H$m m Ýd Z H$moa ~ qh$j joì {H$ m h. ~ H$ AnZo ZoQ>dH $, S>mQ>m Ho$Ð, {S>gmgQ>a [ah$dar gmbq>, H$mamo~ma gw{dym B H$mB m Ho$ {be gymzm gwajm d ZoQ>dH $ boimnarjm H$m Am mooz H$a ahm h. ~ H$ hëdnyu godmam O go, B Q>aZoQ> ~ qh$j, mo~mb b ~ qh$j, H$moa ~ qh$j gmoë yez Ho$ {be ^oúvm yë m H$Z VWm ^oxz narju H$a ahm h Vm{H$ H$moB H$ r hmo Vmo Cgo R>rH$ H$aZo Ho$ {be gwymamë H$ H$X CR>mE OmE. ~ H$, Vrgar nmq>u Ho$ gmâq>do a ApßbHo$eZ H$s AmB Eg boim narjm H$a ahm h Vm{H$ JmonZr Vm, g mh$bz VWm Bg Ho$ g^r AmB Q>r òmovm H$s CnbãYVm bjmvma gwyma bm gh $. {gñq> Iam~ hmozo H$s g ^mì Vm H$mo amoh$zo Ho$ {be, {OgHo$ H$maU H$mamo~ma éh$mdq> hmo gh$vr h, ~ H$ Zo {d{dy ñvam na AmnXm go C^aZo Ed H$mamo~ma H$s {Za VaVm V Ì Ed Cnm m H$mo H$m m Ýd Z {H$ m h, {deofv m g doxzerb ApßbHo$eZ O go H$moa ~ qh$j àumbr, ZoQ>dH $ gw{dym, AmB Q>rE Eg, AmB AmaE Eg, Ho$ {be. B - OmopI AmYm[aV Am V[aH$ boimnarjm (Ama~rAmB E) g mymz g^r emimam H$m m pýdv {H$ m J m h. ~ H$ Zo à wi 15 n[ammbzmë H$ joìm O go IwXam ~ qh$j, emim n[ammbz, B Q>aZoQ> ~ qh$j, EQ>rE n[ammbz, $maošg, H$aoÝgr MoñQ>, bm H$a, {dàofu, gymzm àm Úmo{JH$s, S>o{~Q> H$mS> d H«o${S>Q> H$mS> n[ammbz, IOmZm n[ammbz, bozxoz VWm {~H«$s (EE $Eg/EME $Q>r), {dîmr g mdoez, ^wjvmz VWm g Pm Vm Am a dm{upá H$ ~ qh$j Ho$ AYrZ AnZr H$mamo~ma B H$mB m H$mo AmagrEgE à{h«$ m Ho$ AYrZ S>mbm h. ^mavr [aod ~ H$ H$mo mzh$sh $V Ñ{îQ>H$moU (Q>rEgE) Ho$ AYrZ n[ammbzmë H$ OmopI ny Or H$mo AmH${bV H$aZo H$s AZw {V Xr h -(n abbaz mm 2015 go à^mdr) 159

166 dm{f H$ [anmoq> n[a mumë H$ àh$q>rh$au : n[ammbzmë H$ OmopI na ny Or à^ma H$m n[ah$bz {nn>bo 3 dfm] Ho$ {be gh$b Am H$m Am gvz (` H$amo S>m ) H«$ g. {ddau {Zdb bm^ OmoS > àmdymz Ed AmH$pñ VmE± n[ammbz ì Cn-Hw$b KQ>mE± 5 EMQ>rE g dj à{v^y{v m H$s {~H«$s go àmßv bm^/hm{z ~r m {H«$ mh$bmn VWm ~ H$ Ho$ nj ~r m Xmd go àmßv Am Am d ì H$s AgmYmaU/A{Z { V X {nn>bo df Ho$ Xm amz àmdymz Ed ~Å>o ImVo S>mbr JB am{e H$m Bg df àë mdv Z Mb d AMb g n{îm Xm Ho$ {ZnQ>mZ go àmßv Am ~ H$ Ho$ nj H$mZyZr g Pm Vm go àmßv Am CnHw$b gh$b Am (H«$ g.4 - H«$ g.11) dfm] H$s gh$b Am H$m Am gvz = ` H$amo S>> n[ammbz OmopI Ho$ {be ny Or à^ma = gh$b Am H$m Am gvz * Amë $m (15%) = ` H$amo S> g mz OmopI ^m[av AmpñV m± : ` H$amo S>> 160

167 Vm{bH$m S>rE $ - 9 ~ qh$j ~hr ã mo Xa OmopI (AmB AmaAma~r~r) JwUmË H$ àh$q>rh$au gmymau JwUmË H$ àh$q>rh$au H$s Amdí H$Vm AmB AmaAma~r~r H$s àh ${V Ed w» nyd YmaUm, F$U Ho$ nyd ^wjvmzm Ho$ g ~ Y Ed An[an³d O m H$m ì dhma VWm AmB AmaAma~r~r Ho$ ~ma ~ma mnz. ã mo Xa OmopI à~ YZ ~ H$ Ûmam ã mo Xa OmopI à~ YZ H$s à{h«$ m H$mamo~ma CÔoí, wðm ~moma Ed F$U ny Or ~moma {Og ~ H$ Ho$ n[ammbz hmovo h H$mo g PZm VWm BZ mzxês>m Ho$ g X^ ~moma OmopI Ho$ {be AnZr V mar H$mo nhmmzzm d {ZYm [av H$aZm em{ b h. VwbZ nì hmozodmbo ã mo Xa OmopI H$m à~ YZ H$aZo Ho$ {be ~ H$ Xmo à{h«$ mam /Ñ{îQ>H$moUm H$mo AnZmVm h : 1) nhbm Ñ{îQ>H$moU nma n[ah$ J n {dícofu n[aum m Ho$ AmYma na VwbZ nì na AmpñV Xo Vm à~ YZ (EEbE ). Bg ã mo Xa na ~ H$ Ho$ ZμO[aE na AmYm[aV hmoh$a AmpñV Ed Xo VmAm H$m g VwbZ/nwZ:g VwbZ gmdymzr nyd H$ H$aZm ^r em{ b h Vm{H$ OmopI ^ao ã mo Am H$mo Xÿa H$a gh $. C{MV àh$ma H$s (àh$ma Ed n[an³dvm) AmpñV m Ed Xo VmAm H$s YmaUm H$aVo hþe OmopI H$mo Ý yzv H$a gh$zo Ho$ Aä mg Ho$ μo[ae H${WV bú àmßv H$a gh$vo h VWm ~ H$ Ho$ Hw$N> bú m H$mo hm{gb H$a gh$vo h (O go bú Am H$s àm{ßv Ho$ gmw gmw OmopI H$mo H$ H$aZm). 2) ~Mmd ì dñwm Ho$ O[aE VwbZ nì go ~mha AmpñV Xo Vm à~ YZ (EEbE ) H$aZm Xÿgam Ñ{îQ>H$moU h. ~Mmd ì dñwm go VwbZ nì Ho$ ~mha H$s pñw{v ~ZVr h. AmoQ>rgr ì wënþr CËnmX {OgH$m à moj ~ H$ Ûmam AnZo ì mnma g {d^mj H$s ~Mmd ì dñwm Ho$ {be {H$ m OmVm h Ed Hw$N> Xo VmE± ã mo Xa Ho$ ñd n hmovo h (AmB AmaEg). VwbZ nì à~ YZ g yh ~ R>H$m {dmma {d e Ho$ Abmdm ~moma OmopI à~ YZ/AmpñV Xo Vm à~ YZ g{ {V (E AmaE gr/amëh$mo) AnZr m{gh$ ~ R>H$m AmpñV Xo Vm à~ YZ nõ{v m na {dmma-{d e H$aVr h. ~ H$ Ûmam à w³v {dícofu ~ H$ {Z { V ê$n go {Zdoe gymr H$s Ad{Y Ed Amemo{YV Ad{Y H$m {dícofu H$aVm h VWm ã mo Xa OmopI H$mo H$ H$aZo Ho$ {be AnZr {Zdoe gymr H$mo nwz: g VwbZ H$aVm h. AmëH$mo/E AmaE gr Ûmam nm{jh$ A Vambm na VWm S>b Ûmam m{gh$ A Vambm na H${WV {Zdoe gymr Ho$ à~ YZ H$s g rjm H$s OmVr h. df 1999 Ho$ AmpñV Xo Vm à~ YZ g ~ Yr mj {ZX}em Ho$ AZwgma ã mo Xa g doxzerbvm A Va {ddaur (AmB AmaEg) nm{jh$ AmYma na V ma H$s OmVr h. g doxzerb AmpñV m H$s à{vevvm {d{dy Xa-dma g doxz A Vam H$s m{gh$ A Vambm na S>b Ûmam {ZYm [av Ny>Q>-gr mam Ho$ à{v E AmaE gr/amëh$mo Ûmam {ZJamZr air OmVr h. Ny>Q> gr m Ho$ Cëb KZ na g ~ {YV n[ammbzr VwbZ nì H$s Xm Ho$ n[an³dvm àmo $mbb H$s nwzgªamzm Ho$ AZwXoe Ho$ gmw m ~J a E AmaE gr/ AmëH$mo H${WV Cëb KZ H$m AZwg W Z H$aVm h. ã mo Xa Ed ~mμoma H$s pñw{v Ho$ Ôo ZμOa g mzwnm{vh$ h. ã mo Xa g doxzerbvm {ddaur V ma H$aVo g {ZåZ na {H$ o J o ì mdhm[ah$ {dícofu Ho$ n[aum m H$mo Ü mz aim J m : i) ~MV O m Ho$ ApñWa Ed H$moa ^mj ii) grgr/amos>r ImVm H$s nwz: yë {ZYm au {deofvm iii) {Zdoe gymr A V:ñWmnZ Ho$ {dh$ën 161

168 dm{f H$ [anmoq> OmopI na Am (B EAma) : 3 hrzo, 6 hrzo VWm 1 df Ho$ g Vb VH$ ã mo Xa g doxzerb AmpñV Xo Vm A Vam H$s Am aoim na g m Va Ed Ag m Va {dmbz Ho$ H$maU Am OmopI H$s JUZm H$s OmVr h. h {dícofu nm{jh$ AmYma na {H$ m OmVm h Ed E AmaE gr/amëh$mo H$s m{gh$ ~ R>H$m Am a ~mx S>b H$s m{gh$ ~ R>H$ àñvwv {H$ m OmVm h. 1 df VH$ J n àmo $mbb VWm ~ H$ H$s ã mo Xa Ho$ AmYma na, VwbZ nì m ~mø ~Mmd g{hv auzr{v m Ho$ AZwgma AmZodmbo OmopI na Am na nm{jh$ AmYma na {ZJamZr air OmVr h. mìmë H$ àh$q>rh$au B EAma Ho$ {ddoh$nyu gr m H$mo ` 150 H$amo S> én o, {ZYm [av {H$ m h, g{hîuwvm gr m 15% Omo, ` 172 H$amo S> én o VH$ 100 AmYma q~xþ Ho$ {be Omo 1 gmb Ho$ A Vamb na {ZYm [av {H$ m h. OmopI na Am XZr (B EAma) : 100 AmYma {~ÝXþ Ho$ {be, ã mo Xa nyd {ZYm [av d {Õ, EZAmB AmB na 1 df A Va Ho$ g Vb Ho$ H$maU à^md ` H$amo S>> Am{W H$ yë Ñ{îQ>H$moU Am{W H$ yë mzr Am{W H$ yë na 200 AmYma {~ÝXþAm na ã mo Xa n[adv Z Ho$ H$maU ny Or {Z{Y na à^md H$m yë m H$Z, ^m.[a.~ H$ mj {ZX}em Ho$ AmYma na g emo{yv Ad{Y A Va nõ{v Ho$ μo[ae {H$ m OmVm h. {ddoh$nyu Cnm Ho$ ê$n AmpñV d Xo VmAm H$s {Zdb Ad{Y A Va Ho$ {be EH$ gr m {ZYm [av H$s JB VWm ^m.[a.~ H$ go àmßv mj {ZX}em Ho$ AmYma na {Z { V A Vambm na Bg H$s {ZJamZr H$s OmVr h. 162

169 Vm{bH$m S>rE $ - 10 H$mC Q>a nmq>u F$U OmopI go g ~ {YV {Zdoem Ho$ {be gm mý àh$q>z JwUmË H$ àh$q>rh$au (H$) ì wënþ VWm grgrama go g ~ {YV gm mý JwUmË H$ àh$q>z H$s Amdí H$VmAm {ZåZ{bpIV em{ b h : Am{W H$ ny Or Ho$ g ZwXoeZ Ho$ {be à w³v nõ{v VWm H$mC Q>a nmq>u F$U OmopI Ho$ {be F$U gr me g ~ Yr MMm g nm{íd H$ àmßv H$aZo VWm F$U H$s Ama{j{V m ñwm{nv H$aZo Ho$ {be Zr{V m na MMm JbV VarHo$ Ho$ F$Um Ho$ OmopI m Ho$ g ~ Y Zr{V m na MMm F$U Ho$ XOm {ZYm au H$ hmo OmZo go ~ H$ Ûmam àmdymz H$s OmZodmbr g nm{íd H$ am{e go ns>zodmbo ZwH$gmZ Ho$ g ~ Y MMm n[a mumë H$ àh$q>rh$au (I) g {dxm Ho$ gh$b gh$mamë H$ C{MV yë ZoqÅ>J Ho$ bm^, ZoQ> Mmby F$U OmopI, Ym[aV g nm{íd H$ (àh$ma H$mo em{ b H$aVo hþe O go ZH$X, gah$mar à{v^y{v m, Am{X) VWm {Zdb ì wënþ F$U {Zdoe. grb E Ho$ AYrZ MyH$ na OmopI m OmopI am{e Ho$ {be [anmoq> Cnm. F$U ì wënþ à{vajm Ho$ H$mën{ZH$ yë VWm F$U OmopI Ho$ àh$mam Mmby F$U OmopI H$m g {dvau. (J) grgrama H$mo OmopI g {OV H$aZodmbo F$U ì wënþ bozxoz (H$mën{ZH$ yë ), {Ogo g JR>Z Ho$ AnZo F$U g {d^mj VWm CgH$s VËH$mb J{V{d{Y m Ho$ {be n WH$ {H$ m J m h {Og à w³v F$U ì wënþ CËnmX Ho$ g {dvau em{ b h Am a Bgo àë oh$ CËnmX g yh Ho$ A VJ V à{vajm Ûmam {di {S>V H$a IarXm d ~omm J m h. ~ qh$j H$mC Q>a nm{q > m Ho$ {be H$mC Q>a nmq>u F$U OmopI gr me Am V[aH$ m S>b na Am H$s OmVr h {Og {ZåZ{bpIV n am rq>a na {dmma {H$ m OmVm h Omo H$mC Q>a nm{q > m H$m F$U XOm {ZYm au VWm CZH$m {Zdb yë, ~ H$ H$m {Zdb yë VWm H$mamo~ma H$s Amdí H$VmE. AÝ g^r m bm, H$mC Q>a nmq>u F$U OmopI gr m H$mo ~ H$ Ûmam F$U Zr{V d AZwXoe nwpñvh$m Xr J r Zr{V Ho$ AZwgma F$U AmH$bZ à{h«$ m AnZm r OmVr h. àë oh$ F$U Ho$ {be grgrama H$s gr me am{e VWm g Ho$ AmYma na {ZYm [av H$s OmVr h. grgrama F$U Ho$ {be ny Or mzh$sh $V Ñ{îQ>H$moU Ho$ AmYma na AmH${bV {H$ m OmVm h. g à{v ~ H$ Ho$ H$moB F$U ì wënþ OmopI Zht h. ~ H$ {Ûnjr ZoqÅ>J H$s nhmmz Zht H$aVm h. ì wënþ OmopI m OyXm OmopI àumbr Ho$ AmYma na n[ah${bv {H$ m OmVm h VWm Wm H$mo ~H$m m eof ZrMo àñvwv h : (am{e ` H$amo S>m ) {ddau H$mën{ZH$ am{e Mmby {Zdoe {dxoer {d{z g {dxme (A Va ~ H$) 163

170 dm{f H$ [anmoq> Vm{bH$m S>rE $-11 - gm mý àh$q>z Q>oåßboQ> {Z m H$ g m mooz Ho$ n[adv Z Ho$ Xm amz à moj {H$E OmZodmbo ~ogb III gm mý àh$q>z Q>oåßboQ> gm mý B {³dQ>r {Q> a 1 ny Or : {biv VWm Ama{j{V m 1 gryo Omar {H$E JE Ah H$ gm mý eo a ny Or ßbg g ~ {YV ñq>mh$ A{Yeof (eo a àms{ ) Wm àr-~ogb III AZHy$b Ho$ AYrZ am{e (` { {b Z ) g X^ g E=~r+gr+ gr 2 à{vym[av Am S>r 3 g {MV AÝ ì mnh$ Am (VWm AÝ Ama{j{V m ) B =E $+Or+ (EM**45%) +AmB +Oo 4 gryo {ZJ { V ny Or ~ev} {H$ grb Q>r1 go MaU~Õ VarHo$ go g mßv {H$ m OmVm h - (Ho$db J a-g w³v ñq>mh$ H $n{z m na bmjy) 5 ghm H$ H $n{z m Ûmam Omar {H$E JE gm mý eo a ny Or VWm Vrgar nm{q > m Ûmam - Ym[aV (grb Q>r 1 g yh am{e AZw V h ) 6 {Z m H$ g m mooz Ho$ nhbo gm mý B {³dQ>r {Q> a 1 ny Or gm mý B {³dQ>r {Q> a 1 ny Or : {Z m H$ g m moozme 7 {ddoh$nyu yë m H$Z g m mooz - 8 gømd (g ~ {YV H$a Xo Vm H$m {Zdb) - 9 A yv (g ~ {YV H$a Xo Vm H$m {Zdb) - 10 AmñW{JV H$a g n{îm - {Q>ßn{U m± 11 ZH$X àdmh ~Mmd Ama{j{V - 12 àë m{ev hm{z Ho$ {be àmdymzm H$s H$ r - 13 {~H«$s na à{v^y{vh$au bm^ - 14 C{MV yë Ho$ XoZXm[a m na IwX Ho$ F$U OmopI n[adv Zm Ho$ H$maU bm^ Ed hm{z - 15 {ZYm [av-bm^ n ez {Z{Y {Zdb g n{îm m - =(EŠg+dmB ) 16 IwX Ho$ eo am {Zdoe ( {X nhbo hr, [anmoq> {H$E JE VwbZ nì Ho$ àxîm ny Or H$m {Zdb Zht {H$ m J m Vmo) - 17 gm mý B {³dQ>r nmañn[ah$ à{vymau ~ qh$j, {dîmr VWm ~r m g ñwmam Ho$ ny Or, Omo {d{z m H$ g oh$z Ho$ Xm ao go ~mha h, nmì emq> nmo{oez Ho$ {Zdb {Zdoe, Ohm, ~ H$, Omar eo a ny Or Ho$ 10% go A{YH$ H$m m{bh$ Zht h (10% gr m go D$na H$s am{e) - 19 ~ qh$j, {dîmr VWm ~r m g ñwmam, Omo {Z m H$ g oh$z Ho$ Xm ao go ~mha h, nmì emq> nmo{oez Ho$ {Zdb Ho$ gm mý eo a hëdnyu {Zdoe (10% gr m go D$na H$s am{e) - 20 ~ YH$ godm A{YH$ma (10% gr m go D$na H$s am{e) - 21 AñWm r A Vam go g {OV AmñW{JV H$a g n{îm (10% gr m go D$na H$s am{e, g ~ {YV H$a Xo Vm H$m {Zdb) % gr m go A{YH$ H$s am{e - 23 {OZ go : {dîmr g ñwmam Ho$ gm mý eo am hëdnyu {Zdoe - 164

171 {Z m H$ g m mooz Ho$ n[adv Z Ho$ Xm amz à moj {H$E OmZodmbo ~ogb III gm mý àh$q>z Q>oåßboQ> Wm {OZ go : ~ YH$ ghm H$ A{YH$ma - 25 {OZ go : AñWm r A Vam go g {OV AmñW{JV H$a g n{îm m - 26 amîq >r {d{eîq> {d{z m H$ g m mooz (26E+26~r+26gr+26S>r) - 26E {OZ go : Ag o{h$v ~r m ghm H$ H $n{z m H$s B {³dQ>r ny Or {Zdoe - 26~r {Og go : Ag o{h$v J a-{dîmr ghm H$ H $n{z m H$s B {³dQ>r ny Or {Zdoe - 26gr {Og go : ~hþg» m H$s ñdm{ Ëddmbr {dîmr g ñwme Omo ~ H$ Ho$ gmw g o{h$v Zht H$s J r h, CZH$s B {³dQ>r ny Or H$ r - 26S>r {Og go : An[aemo{YV n ez {Z{Y ì - 27 H$Q>m Vr H$mo H$da H$aZo Ho$ {be An m ßV A{V[a³V {Q> a 1 VWm {Q> a 2 Ho$ H$maU gm mý B {³dQ>r {Q> a 1 H$mo bmjy {d{z m H$ g m mooz gm mý B {³dQ>r {Q> a 1 Ho$ Hw$b {d{z m H$ g m mooz gm mý B {³dQ>r {Q> a 1 ny Or (grb Q>r1) A{V[a³V {Q> a 1 ny Or : {biv 30 àë j ê$n go Omar Ah H$ A{V[a³V {Q> a 1 {biv + g ~ {YV eo a A{Yeof (31+32) {Og go : bmjy boim H$Z mzh$m Ho$ AYrZ B {³dQ>r Ho$ ê$n djuh $V (~o r mxr J a-g M r A{Y mý eo a) - 32 {Og go : bmjy boim H$Z mzh$m Ho$ AYrZ Xo VmAm Ho$ ê$n djuh $V (~o r mxr F$U {biv) A{V[a³V {Q> a 1 go MaU~Õ VarHo$ Ho$ VhV àë j ê$n go Omar ny Or {biv - 34 ghm H$ H $n{z m Ûmam Omar VWm Vrgar nm{q > m Ûmam Ym[aV A{V[a³V {Q> a 1 {biv (VWm n {³V 5 em{ b Zht {H$E JE) grb Q>r 1 ànì (g yh EQ>r1 AZw V am{e) - 35 {Og go : MaU~Õ VarHo$ go g m{ßv Ho$ AYrZ ghm H$ H $n{z m Ûmam Omar {biv - 36 {d{z m H$ g m mooz go nyd A{V[a³V {Q> a 1 ny Or A{V[a³V {Q> a 1 ny Or : {d{z m H$ g m mooz 37 {ZOr A{V[a³V {Q> a 1 {bivm {Zdoe - 38 A{V[a³V {Q> a 1 {bivm nmañn[ah$ à{vymau - 39 ~ qh$j, {dîmr VWm ~r m g ñwmam, Omo {d{z m H$ g oh$z Ho$ Xm ao go ~mha h, Ho$ ny Or VWm nmì emq> nmo{oez Ho$ {Zdb, {Zdoe, Ohm ~ H$ g ñwm go Omar gm mý eo a ny Or Ho$ 10% go A{YH$ H$m m{bh$ Zht h (10% gr m go A{YH$ H$s am{e) - 40 ~ qh$j, {dîmr VWm ~r m g ñwmam hëdnyu {Zdoe, Omo {d{z m H$ g oh$z Ho$ Xm ao go ~mha h (nmì emq> nmo{oez Ho$ {Zdb) - 41 amîq >r {d{eîq> {d{z m H$ g m mooz (41E+41~r) - 41E Ag o{h$v ~r m ghm H$ H $n{z m Ho$ A{V[a³V {Q> a 1 ny Or {Zdoe - àr-~ogb III AZHy$b Ho$ AYrZ am{e (` { {b Z ) g X^ g. Eb =E 1+ E 2+ E 3 Eb=E 1+ E 2+ E 3 165

172 dm{f H$ [anmoq> {Z m H$ g m mooz Ho$ n[adv Z Ho$ Xm amz à moj {H$E OmZodmbo ~ogb III gm mý àh$q>z Q>oåßboQ> Wm ~r ~hþg» m H$s ñdm{ Ëddmbr {dîmr g ñwme, Omo ~ H$ Ho$ gmw g o{h$v Zht H$s J r h, CZH$s A{V[a³V {Q> a 1 ny Or H$ r - 42 H$Q>m Vr H$mo H$da H$aZo Ho$ {be An m ßV {Q> a 2 Ho$ H$maU A{V[a³V {Q> a 1 H$mo bmjy {d{z m H$ g m mooz - 43 A{V[a³V {Q> a 1 ny Or Hw$b {d{z m H$ g m mooz - 44 A{V[a³V {Q> a 1 ny Or (EQ>r1) E. ny Or n m ßVVm Ho$ {be A{V[a³V Q>m a 1 ny Or {Q> a 1 ny Or (Q>r1 = grb Q>r1 + EQ>r1) ( E) {Q> a 2 ny Or : {biv Ed àmdymz 46 àë j ê$n go Omar Ah H$ {Q> a 2 {biv + g ~ {YV ñq>mh$ A{Yeof A{V[a³V {Q> a 2 go MaU~Õ VarHo$ go g m{ßv Ho$ AYrZ àë j ê$n go Omar ny Or {biv àr-~ogb III AZHy$b Ho$ AYrZ am{e (` { {b Z ) g X^ g. EZ=Amo1+Amo2 +Amo3+Amo4 nr=š y1+ Š y2+ Š y3 - ~Å>mH$aU d MaU~Õ VarHo$ go hq>mzm - 48 ghm H$ H $n{z m Ûmam Omar VWm Vrgar nm{q > m Ûmam Ym[aV {Q> a 2 H$s {biv (VWm n {³V 5 m 34 em{ b Z {H$E JE grb Q>r 1 VWm EQ>r1 {biv) (g yh {Q> a 2 AZw V am{e) - 49 {Og go : ghm H$ H $n{z m Ûmam MaU~Õ VarHo$ go g m{ßv Ho$ AYrZ Omar {biv - 50 àmdymz Ama=Eg+Q>r 51 {d{z m H$ g m mooz Ho$ nyd {Q> a 2 ny Or {Q> a 2 ny Or : {d{z m H$ g m mooz 52 IwX Ho$ {Q> a 2 {bivm {Zdoe - 53 {Q> a 2 {bivm nmañn[ah$ à{vymau ~ qh$j, {dîmr VWm ~r m g ñwmam Ho$ ny Or, Omo {d{z m H$ g oh$z Ho$ Xm ao go ~mha h, nmì emq> nmo{oez Ho$ {Zdb {Zdoe, Ohm, ~ H$, g ñwm go Omar gm mý eo a ny Or Ho$ 10% go A{YH$ H$m m{bh$ Zht h (10% gr m go D$na H$s am{e) - 55 ~ qh$j, {dîmr VWm ~r m g ñwmam hëdnyu {Zdoe, Omo {Z m H$ g oh$z Ho$ Xm ao go ~mha h (nmì emq> nmo{oez Ho$ {Zdb) - 56 amîq >r {d{eîq> {d{z m H$ g m mooz (56E+56~r) - 56E {OZ go : Ag o{h$v ghm H$ H $n{z m H$s {Q> a 2 ny Or {Zdoe - 56 ~r {Og go : ~hþg» m H$s ñdm{ Ëddmbr {dîmr g ñwme Omo ~ H$ Ho$ gmw g o{h$v Zht H$s J r h, CZH$s {Q> a 2 ny Or H$ r {Q> a 2 ny Or Hw$b {d{z m H$ g m mooz {Q> a 2 ny Or (Q>r2) (E) Hw$b ny Or (Q>rgr = Q>r1 + Q>r2) ( gr) (~r) A{V[a³V Q>m a 1 ny Or Q>m a 2 ny Or Ho$ ê$n {JZm OmVm h 0 166

173 {Z m H$ g m mooz Ho$ n[adv Z Ho$ Xm amz à moj {H$E OmZodmbo ~ogb III gm mý àh$q>z Q>oåßboQ> Wm àr-~ogb III AZHy$b Ho$ AYrZ am{e (` { {b Z ) g X^ g. 58(gr) ny Or n m ßVVm Ho$ {be ñdrh$m Hw$b lour 2 ny Or (58 E + 58 ~r) Hw$b ny Or (Q>rgr = Q>r 1 + Q>r 2) ( gr) àr-~ogb III CnMma Ho$ AYrZ am{e Ho$ g ~ Y OmopI ^m[av AmpñV m - {OZ go: g m mooz Ho$ àh$ma - {OZ go - 60 Hw$b OmopI ^m[av AmpñV m (60E + 60~r + 60gr) y 60E {Og go : Hw$b F$U OmopI ^m[av AmpñV m ~r {Og go : Hw$b ~moma OmopI ^m[av AmpñV m gr {Og go : Hw$b n[ammbzmë H$ OmopI ^m[av AmpñV m gm mý B {³dQ>r {Q> a 1 (OmopI ^m[av g n{îm m H$s à{vevvm Ho$ ê$n ) 10.36% 62 {Q> a 1 (OmopI ^m[av g n{îm m H$s à{vevvm Ho$ ê$n ) 11.71% 63 Hw$b ny Or (OmopI ^m[av g n{îm m H$s à{vevvm Ho$ ê$n ) 13.90% 64 g ñwm {d{eîq> ~ $a Amdí H$Vm (Ý yzv grb Q>r 1 H$s Amdí H$Vm + ny Or g aju VWm à{v MH«$s Amdí H$VmE, OmopI ^m[av AmpñV m Ho$ ê$n ì ³V H$s J r) 7.375% 65 {Og go : ny Or g aju ~ $a Amdí H$Vm 1.875% 66 {Og go : ~ H$ {d{eîq> à{v MH«$s ~ $a Amdí H$Vm 0.00% 67 {Og go : Or-EgAmB ~r ~ $a Amdí H$Vm 0.00% 68 ~ $a H$mo nyao H$aZo Ho$ {be CnbãY gm mý B {³dQ>r {Q> a 1 (OmopI ^m[av g n{îm m H$s à{vevvm Ho$ ê$n ) 2.985% amîq >r { {Z m ( {X ~ogb III go AbJ h Vmo ) 69 amîq >r gm mý B {³dQ>r {Q> a 1 Ý yzv AZwnmV ( {X Ý yzv ~ogb III go {^Þ hmo) 5.50% 70 amîq >r {Q> a 1 Ý yzv AZwnmV ( {X Ý yzv ~ogb III go {^Þ hmo) grgr~r H$mo N>moS>H$a grgr~r H$mo N>moS>H$a 7.00% 71 amîq >r Hw$b ny Or Ý yzv AZwnmV ( {X Ý yzv ~ogb III go {^Þ hmo) grgr~r H$mo N>moS>H$a H$Q>m Vr Ho$ {be gr m go H$ H$s am{e m (OmopI ^m[av go nhbo) 72 AÝ {dîmr g ñwmam H$s ny Or ZJÊ {Zdoe {dîmr g ñwmam Ho$ gm mý ñq>mh$ CëboIZr {Zdoe - 74 ~ YH$ g{d qgj A{YH$ma (g ~ {YV H$a Xo Vm H$m {Zdb) - 75 AñWm r A Vam go CËnÞ hmozodmbr AmñW{JV H$a g n{îm m (g ~ {YV H$a Xo Vm H$m {Zdb) {Q> a 2 àmdymzm H$mo em{ b {H$E OmZo na bmjy CÀMV gr m 76 mzh$sh $V Ñ{îQ>H$moU Ho$ AYrZ F$U OmopI Ho$ g ~ Y {Q> a 2 em{ b H$aZo hovw nmì àmdymz (CÀMV gr m H$mo bmjy H$aZo Ho$ nyd ) mzh$sh $V Ñ{îQ>H$moU Ho$ AYrZ {Q> a 2 àmdymzm H$mo em{ b H$aZo Ho$ {be CÀMV gr m y*1.25% 167

174 dm{f H$ [anmoq> {Z m H$ g m mooz Ho$ n[adv Z Ho$ Xm amz à moj {H$E OmZodmbo ~ogb III gm mý àh$q>z Q>oåßboQ> Wm Am V[aH$ yë m H$Z AmYm[aV Ñ{îQ>H$moU Ho$ AYrZ F$U OmopI Ho$ g ~ Y {Q> a 2 em{ b H$aZo hovw nmì àmdymz (CÀMV gr m H$mo bmjy H$aZo go nyd ) bmjy Zht 79 Am V[aH$ yë m H$Z AmYm[aV Ñ{îQ>H$moU Ho$ A VJ V {Q> a 2 àmdymzm H$mo em{ b H$aZo Ho$ {be CÀMV gr m bmjy Zht MaU~Õ ì dñwm Ho$ AYrZ ny Or {biv (31 mm 2017 go 31 mm 2022 Ho$ ~rm Ho$db bmjy) 80 MaU~Õ ì dñwm Ho$ AYrZ g m{ßv Ho$ ev na grb Q>r1 na m OyXm CÀMVa gr m bmjy Zht 81 CÀMVa gr m Ho$ H$maU grb Q>r1 em{ b Zht H$s J r am{e ( momz VWm n[an³dvmam Ho$ ~mx CÀMVa gr m go A{YH$) bmjy Zht 82 MaU~Õ ì dñwmam Ho$ AYrZ g m{ßv H$s ev na EQ>r1 {bivm na m OyXm CÀMVa gr m bmjy Zht 83 CÀMVa gr m Ho$ H$maU EQ>r1 em{ b Zht H$s J r am{e ( momz VWm n[an³dvmam Ho$ ~mx CÀMVa gr m go A{V[a³V am{e) bmjy Zht 84 MaU~Õ ì dñwmam Ho$ AYrZ Q>r2 {bivm na m OyXm CÀMVa gr m 85 CÀMVa gr m Ho$ H$maU Q>r2 em{ b Zht H$s J r am{e ( momz VWm n[an³dvmam Ho$ ~mx CÀMVa gr m go A{V[a³V am{e) àr-~ogb III AZHy$b Ho$ AYrZ am{e (` { {b Z ) g X^ g. Q>oånboQ> Ho$ {be ZmoQ> n {³V {ddau (` { {b Z ) 10 g {MV hm{z Ho$ gmw g ~Õ AmñW{JV H$a n[ag n{îm m 0.00 AmñW{JV H$a Xo VmAm Ho$ AmñW{JV H$a n[ag n{îm (g {MV hm{z Ho$ gmw g ~Õ H$mo N>mo S>H$a) ^m.[a.~ H$ Ho$ n[anì g. Ho$ AZwgma A{YH$V nmìvm gr m Ama~rAmB / / 331 Ama~rAmB / / 331 {XZm H$ 1 mm, 2016 nmìvm gr m go A{YH$ {Zdb S>rQ>rE H$s H$Q>m Vr 0.00 n {³V 10 {Z{X îq> Ho$ AZwgma Hw$b {X ~r m ghm H$ H $n{z m {Zdoe Ho$ {be ny Or go nyu H$Q>m Vr Zht H$s OmVr h Am a ~Xbo H$Q>m Vr Ho$ {be 10% H$s - gr m mzr OmVr h, n[aum ñdê$n ~ H$ H$s ny Or d {Õ hmovr h {Og go: gm mý B {³dQ>r {Q> a 1 ny Or d {Õ - {Og go: A{V[a³V {Q> a 1 ny Or d {Õ - {Og go: {Q> a 2 ny Or d {Õ - 26~r {X Ag o{h$v J a-{dîmr ghm H$ H $n{z m H$s B{³dQ>r ny Or {Zdoe H$s H$Q>m Vr Zht H$s Om ahr h Am a Bg àh$ma, V~ - OmopI ^m[av: (i) gm mý B {³dQ>r {Q> a 1 ny Or d {Õ - (ii) OmopI ^m[av n[ag n{îm m d {Õ - 50 {Q> a 2 ny Or gpå {bv dm N>Zr àmdymz grb Q>r 1 ny Or gpå {bv dm N>Zr nwz y ë m H$Z ^ S>ma (~ogb III ny Or {d{z m g emoyz Ho$ n[anì S>r~rAma g. ~rnr.~rgr.83/ / , {XZm H$ 1 mm 2016 Ho$ AZwgma)

175 Vm{bH$m S>rE $-12 - ny Or H$s g amzm Xo VmE Wm H$mo g o{h$v {dîmr {ddaum Ho$ g X^ g. AZwgma VwbZ nì ny Or B {³dQ>r eo a ny Or ~r 0.00 Ama{j{V m Am a A{Yeof I gm {d{yh$ Ama{j{V E $ II ny Or Ama{j{V Or III eo a àr{ gr IV nwz y b m H$Z Ama{j{V EM V gm mý Ama{j{V AmB VI amoñd Am a AÝ Am{j{V m H$ {deof AmajU A{Y{Z 36(1)(viii) Oo I bm^ d hm{z boim S>r Hw$b ny Or, Ama{j{V m Am a A{Yeof Hw$b O m CYma (i) ^m.[a.~. go 0.00 (ii) AÝ ~ H$m go (iii) AÝ g ñwmam VWm EO {g m go (iv) aonmo ImVm (v) ^m[a~ H$ aonmo ImVm (vi) {Q> a II ~m S> Hw$b 124 hrzo ~m S> % Š y1 120 hrzo ~m S> % Amo1 120 hrzo ~m S> % Amo2 120 hrzo ~m S> % Amo3 120 hrzo ~m S> % Amo4 (vi) A{V[a³V {Q> a I ~m S> nrs>ramb % E 1 nrs>ramb % E 2 nrs>ramb % E 3 nrs>ramb % E 4 Hw$b CYma

176 dm{f H$ [anmoq> Xo Vm Wm H$mo g o{h$v g X^ g. {dîmr {ddaum Ho$ AZwgma VwbZ nì AÝ Xo VmE Am a àmdymz I Xo {~b II àmoøÿv ã mo III dramaeg ~m S> 0.00 IV mzh$ AmpñV m Ho$ à{v àmdymz Eg V ye $grb Ho$ {be àmdymz Q>r VI AÝ (àmdymz g{hv) Hw$b AÝ Xo VmE Xo VmAm H$m gh$b Hw$b AmpñV m Wm H$mo g o{h$v g X^ g. {dîmr {ddaum Ho$ AZwgma VwbZ nì ^m.[a.~. Hw$b ZH$X d ~ H$ eof ~ H$m Hw$b eof Am a à{vxo am{e Hw$b {d{zymz Hw$b {Zdb A{J« Hw$b AMb AmpñV m AÝ AmpñV m I A Va H$m m b g m mooz (Zm o) II àmoøÿv ã mo III A{J«ê$n go àxîm H$a IV {Zdb AmñW{JV H$a AmpñV m Ho$ V boiz gm J«r Am a ñq> ån VI J a ~ qh$j AmpñV m 0.76 VII J«oÀ wq>r n[aemoyz 0.00 EŠg n ez n[aemoyz 0.00 dmb VIII AÝ Hw$b AÝ AmpñV m (AZwgyMr 11) AmpñV m H$m gh$b Hw$b ^m.[a.~ H$ n[anì Ama~rAmB / / 331 Ama~rAmB / / 331 {XZm H$ Ho$ O[aE ~ H$ H$s gm mý B{³dQ>r Q>m a I ny Or Cnamo³V Vm{bH$m C{ëbpIV ñw{jv H$a Xo Vm H$s {Zdb n[ag n{îm m (g {MV hmzr go Ow S>o H$mo N>mo S>H$a) H$mo mý Vm Xr OmVr h. 170

177 Vm{bH$m S>rE $ Wm H$mo {d{z`m H$ ny Or {biv H$s à wi {d{eîq>vme H«$ g. {ddau B {³dQ>r eo`a EQ>r 1 ~m S> ~ogb III Eg1 EQ>r 1 ~m S> ~ogb III Eg2 EQ>r 1 ~m S> ~ogb III Eg3 EQ>r 1 ~m S> ~ogb III Eg4 bmoaa {Q>`a II Eg7 {Q>`a II Eg8 ~ogb III 1 OmarH$Vm {do m ~ H$ {do m ~ H$ {do m ~ H$ {do m ~ H$ {do m ~ H$ {do m ~ H$ {do m ~ H$ {do m ~ H$ {do m ~ H$ {do m ~ H$ 2 {deof nhmmzh$vm AmB EZB 705E {bivm na {Z Z H$aZodmbr {d{y bmjy ^mavr g {d{y d {d{z m H$ Amdí H$VmE {d{z`m H$ CnMma 4 g H«$ UH$mbrZ ~ogb III {Z gm mý B {³dQ>r {Q> a 1 5 g H«$ UH$mbrZmoÎma ~ogb III {Z gm mý B {³dQ>r {Q> a 1 AmB EZB 705E08045 bmjy ^mavr g {d{y d {d{z m H$ Amdí H$VmE AmB EZB 705E08060 bmjy ^mavr g {d{y d {d{z m H$ Amdí H$VmE AmB EZB 705E08086 bmjy ^mavr g {d{y d {d{z m H$ Amdí H$VmE AmB EZB 705E08094 bmjy ^mavr g {d{y d {d{z m H$ Amdí H$VmE AmB EZB 705E09092 bmjy ^mavr g {d{y d {d{z m H$ Amdí H$VmE AmB EZB 705E08029 bmjy ^mavr g {d{y d {d{z m H$ Amdí H$VmE {Q>`a II Eg9 ~ogb III AmB EZB 705E08037 bmjy ^mavr g {d{y d {d{z m H$ Amdí H$VmE {Q>`a II Eg10 ~ogb III AmB EZB 705E08052 bmjy ^mavr g {d{y d {d{z m H$ Amdí H$VmE {Q>`a II Eg11 ~ogb III AmB EZB 705E08052 bmjy ^mavr g {d{y d {d{z m H$ Amdí H$VmE A{V[a³V {Q> a 1 A{V[a³V {Q> a 1 A{V[a³V {Q> a 1 A{V[a³V {Q> a 1 {Q> a 2 {Q> a 2 {Q> a 2 {Q> a 2 {Q> a 2 Ah Ah Ah Ah AZh Ah Ah Ah Ah 6 EH$b/g yh Ah EH$b EH$b EH$b EH$b EH$b EH$b EH$b EH$b EH$b EH$b 7 {biv H$m àh$ma gm mý eo a ~o{ mxr F$U {biv 8 {d{z m H$ ny Or nhmm{zv am{e ( Wm H$mo ` { {b Z ) (àr{ g{hv) ~o{ mxr F$U {biv ~o{ mxr F$U {biv ~o{ mxr F$U {biv {Q> a 2 F$U {biv {Q> a 2 F$U {biv {Q> a 2 F$U {biv {Q> a 2 F$U {biv {Q> a 2 F$U {biv {biv H$m g yë (` H$amo S>m ) boimh$au djuh$au B {³dQ>r ny Or Xo Vm Xo Vm Xo Vm Xo Vm Xo Vm Xo Vm Xo Vm Xo Vm Xo Vm 11 Omar H$aZo H$m yb {XZm H$ {d{^þ ~o{ mxr AWdm {XZm {H$V ~o{ mxr ~o{ mxr ~o{ mxr ~o{ mxr ~o{ mxr {XZm {H$V {XZm {H$V {XZm {H$V {XZm {H$V {XZm {H$V 13 yb n[an³dvm {XZm H$ bmjy Zht Zht Zht Zht Zht nyd n dojr AZw moxz H$s ev na OmarH$Vm H$s m J Zht hm hm hm hm Zht Zht Zht Zht Zht 15 d H$pënH$ m J {XZm H$, AZwf Jr m J {XZm H$ VWm momz am{e bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht 16 nadvu m J {XZm H$, {X bmjy hmo Vmo bmjy Zht hm hm hm hm bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht Hy$nZ / bm^m e 17 pñwa AWdm ApñWa bm^m e/hy$nz bmjy Zht pñwa Hy$nZ pñwa Hy$nZ pñwa Hy$nZ pñwa Hy$nZ pñwa Hy$nZ pñwa Hy$nZ pñwa Hy$nZ pñwa Hy$nZ pñwa Hy$nZ 18 Hy$nZ Xa VWm H$moB g ~ {YV gymh$m H$ bmjy Zht 9.54% 10.40% 11.25% 10.49% 9.35% 9.73% 9.15% 8.62% 8.64% 19 bm^m e amoh$h$vm H$s m OyXJr bmjy Zht hm hm hm hm hm hm hm hm hm 20 nyu {ddoh$m{yh$ma, Am {eh$ {ddoh$m{yh$ma AWdm A{Zdm nyu {ddoh$m{yh$ma nyu {ddoh$m{yh$ma nyu {ddoh$m{yh$ma nyu {ddoh$m{yh$ma nyu {ddoh$m{yh$ma A ev {ddoh$m{yh$ma 21 momz Ho$ {be ñq>on-an AWdm AÝ H$moB àmoëgmhz H$s m OyXJr Zht Zht Zht Zht Zht Zht Zht Zht Zht Zht 22 Ag M r AWdm g M r Ag M r Ag M r Ag M r Ag M r Ag M r Ag M r Ag M r Ag M r Ag M r Ag M r 23 n[adv Zr AWdm An[adV Zr bmjy Zht An[adV Zr An[adV Zr ~Å>o ImVo S>mbZm AWdm n[adv Zr (^m.[a.~. Ho$ {ddoh$m{yh$ma) A ev {ddoh$m{yh$ma A ev {ddoh$m{yh$ma A ev {ddoh$m{yh$ma A ev {ddoh$m{yh$ma An[adV Zr An[adV Zr An[adV Zr An[adV Zr An[adV Zr An[adV Zr 24 {X n[adv Zr h Vmo, n[adv Z Ho$ CËàoaH$ bmjy Zht bmjy Zht bmjy Zht nramoezdr bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht 25 {X n[adv Zr h Vmo, nyu AWdm Am {eh$ bmjy Zht bmjy Zht bmjy Zht ^m.[a.~. Ho$ {ddoh$m{yh$ma 26 {X n[adv Zr h Vmo, n[adv Z Xa bmjy Zht bmjy Zht bmjy Zht ^m.[a.~. Ho$ {ddoh$m{yh$ma bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht 27 {X n[adv Zr h Vmo, A{Zdm m d H$pënH$ n[adv Z bmjy Zht bmjy Zht bmjy Zht d H$pënH$ bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht 28 {X n[adv Zr h Vmo, n[adv Z mo½ {biv àh$ma {Z{X îq> H$a bmjy Zht bmjy Zht bmjy Zht B {³dQ>r bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht 29 {X n[adv Zr h Vmo, n[adv Z {H$E OmZodmbo {biv Ho$ OmarH$Vm H$mo {Z{X îq> H$a bmjy Zht bmjy Zht bmjy Zht {do m ~ H$ bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht 171

178 dm{f H$ [anmoq> {Q>`a II Eg11 ~ogb III {Q>`a II Eg10 ~ogb III {Q>`a II Eg9 ~ogb III bmoaa {Q>`a II Eg7 {Q>`a II Eg8 ~ogb III EQ>r 1 ~m S> ~ogb III Eg4 EQ>r 1 ~m S> ~ogb III Eg3 EQ>r 1 ~m S> ~ogb III Eg2 {ddau B {³dQ>r eo`a EQ>r 1 ~m S> ~ogb III Eg1 H«$ g. 30 AdboIZ {d{eîq>vm B {³dQ>r hm hm hm hm Zht hm hm hm hm 31 {X AdboIZ hmo Vmo, AdboIZ Ho$ CËàoaH$ bmjy Zht nramoezdr {Q >Ja nramoezdr {Q >Ja nramoezdr {Q >Ja nramoezdr {Q >Ja bmjy Zht nramoezdr {Q >Ja nramoezdr {Q >Ja nramoezdr {Q >Ja nramoezdr {Q >Ja 32 {X AdboIZ hmo Vmo, nyu V: AWdm Am {eh$ bmjy Zht nyu AWdm Am {eh$ nyu AWdm Am {eh$ nyu AWdm Am {eh$ nyu AWdm Am {eh$ bmjy Zht nyu AWdm Am {eh$ nyu AWdm Am {eh$ nyu AWdm Am {eh$ nyu AWdm Am {eh$ 33 {X AdboIZ hmo Vmo, ñwm r AWdm AñWmB bmjy Zht AñWm r d ñwm r AñWm r d ñwm r AñWm r d ñwm r AñWm r d ñwm r bmjy Zht AñWm r d ñwm r AñWm r d ñwm r AñWm r d ñwm r AñWm r d ñwm r ~ogb III Ho$ AZwgma ~ogb III Ho$ AZwgma ~ogb III Ho$ AZwgma bmjy Zht ~ogb III Ho$ AZwgma 34 {X AdboIZ hmo Vmo, AdboIZ V Ì H$m {ddau bmjy Zht ~ogb III Ho$ AZwgma ~ogb III Ho$ AZwgma ~ogb III Ho$ AZwgma ~ogb III Ho$ AZwgma ~ H$ Ho$ AÝ g^r bozxma VWm O mh$vm ~ H$ Ho$ AÝ g^r bozxma VWm O mh$vm ~ H$ Ho$ AÝ g^r bozxma VWm O mh$vm ~ H$ Ho$ AÝ g^r bozxma VWm O mh$vm ~ H$ Ho$ AÝ g^r bozxma VWm O mh$vm ~ H$ Ho$ AÝ g^r bozxma VWm O mh$vm O mh$vm Am, gm mý bozxmam Ho$ Xmdm VWm ~ H$ Ho$ Jm U F$U Ho$ AYrZ O mh$vm Am, gm mý bozxmam Ho$ Xmdm VWm ~ H$ Ho$ Jm U F$U Ho$ AYrZ O mh$vm Am, gm mý bozxmam Ho$ Xmdm VWm ~ H$ Ho$ Jm U F$U Ho$ AYrZ ~o{ mxr F$U {biv 35 n[ag mnz Jm U nxmzwh«$ H$s pñw{v ({biv Ho$ CÀM AmgÞ {biv àh$ma {Z{X îq> H$a ) 36 J a-azwnmbz g H«$ UH$mbrZ {d{eîq>vme Zht Zht Zht Zht Zht hm Zht Zht Zht Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht 37 {X hm Vmo, J a-azwnmbz {d{eîq>vme {Z{X îq> H$a bmjy Zht bmjy Zht bmjy Zht bmjy Zht bmjy Zht hm{z Am obz {d{eîq>vme Zht h { n O { { H h 172

179 Vm{bH$m S>rE $ -14 {d{z m H$ ny Or {biv Ho$ g^r {Z~ YZ Ed ev] h mar do~gmb Q> na {d{z m H$ àh$q>z I S> Ho$ A VJ V AbJ go àx{e V Vm{bH$m S>rE $ -15 nm[al{ H$ Ho$ {be àh$q>z H$s Amdí H$Vm {ZXoeH$ S>b Am a CÀM H$m nmbh$m H$s nm[alm{ H$ ^mav gah$ma Ûmam {ZYm [av H$s OmVr h. [aod ~ H$ Zo ~ogb III {Xem{ZX}e Ho$ g X^ ^mav n[ammbzav g^r {ZOr joì VWm {dxoer ~ H$m H$mo g ~mo{yv {XZm H$ Ho$ n[anì S>r~rAmoS>r.g.~rgr72/ / Ûmam Omar nyu H$m{bH$ {ZXoeH$m / w» H$m nmbh$ A{YH$m[a m /AÝ OmopI bozo dmbm H$s jvrny{v na {Xem-{ZX}e Omar {H$E h. My {H$ o {Xem-{ZX}e {ZOr joì Ho$ ~ H$m VWm {dxoer ~ H$m na bmjy h, AV: h àh$q>rh$au h mao ~ H$ na bmjy Zht h. Vm{bH$m -16 B {³dQ>r-~ qh$j ~hr pñw{v m Ho$ {be àh$q>rh$au {Zdoem H$mo n[an³dvm Ho$ {be Ym[aV (EMQ>rE ) lour djuh $V {H$ m J m h Omo ~ H$mo Ûmam {Zdoe $moq> $mo{b mo Ho$ djuh$au, yë m H$Z Am a n[ammbz Ho$ {be {ddoh$nyu mzx S>mo na [aod ~ H$ Ho$ mñq>a n[anì Ho$ AZwgma h. ny Or n m ßVVm CXoí m Ho$ {be [aod ~ H$ Ho$ {Xem-{ZX}e Ho$ AZwgma EMQ>rE lour Ho$ A VJ V Ym[aV B {³dQ>r à{v^y{v m H$mo ~ qh$jm ~hr Ho$ A VJ V djuh $V {H$ m J m h. Wm {XZm H$ H$mo ~ H$ Zo AnZo EMQ>rE nmoq> $mo{b m AZwf Jr H $n{z m m g w³v CÚ m H$s B {³dQ>r Ym[aV Zht H$s h. AV: h àh$q>z h mao ~ H$ Ho$ {be bmjy Zht h. Vm{bH$m -17 boim H$Z AmpñV m Ho$ à{v brdaoo AZwnmV EŠgnmoOa Cnm H$s 4 gmam e VwbZm H«$. Wm {XZm H$ H$mo X {ddaur (` { {b Z ) g 1 àh$m{ev {dîmr {ddaum Ho$ AZwgma Hw$b g o{h$v AmpñV m ~ qh$j, {dîm, ~r m m dm{upá H$ BH$mB m {Zdoem Ho$ {be g m mooz Omo boim H$Z CXoí m go g o{h$v H$s JB h bo{h$z 0.00 {d{z m H$ g oh$zm H$s ì m{ßv m go ~mha h 3 VwbZnÌ na nhmmz H$s JB Ý mgr AmpñV m Ho$ {be g m mooz n[ammbzjv boim H$Z «o$ dh $ Ho$ AZwgma bo{h$z {bdaoo 0.00 AZwnmV EŠgnmoOa Cnm go AbJ {H$E JE 4 S>o[ado{Q>d {dîmr {bivm Ho$ {be g m mooz à{v^y{v {dîmr bozxozm Ho$ {be g m mooz (AWm V aonmo Am a CgHo$ g mz à{v^y{v CYma) VwbZ nìmova Xm Ho$ {be g m mooz (AWm V VwbZm nìmova EŠgnmoOa Ho$ F$U g mz am{e m H$m ê$nm VaU ) AÝ g m mooz - nmañn[ah$ H«$m g hmopës >½g {bdaoo AZwnmV EŠgnmoOa

180 dm{f H$ [anmoq> Vm{bH$m -18 {bdaoo AZwnmV gm mý àh$q>z Q>oånboQ> Wm {XZm H$ H$mo {ddau (` { {b Z ) VwbZ nì EŠgnmoOa Gross Value 1) VwbZ nì Ho$ X (S>o[adoQ>rd Am a EgE $Q>r Ho$ Abmdm bo{h$z g nm{ed H$ g{hv) 17,11, ) (~ogb III Q>m a I nyor Ho$ {ZaYmU H$mQ>r JB AmpñV am{e m ) ) Hw$b VwbZ nì EŠgnmoOa (S>o[ado{Q>d Am a EgE $Q>r H$mo N>moS>H$a) (H«$.g 1 Am a 2 H$m moj) 17,11, S>o[ado{Q>d EŠgnmoOa 4) g^r S>o[adoQ>rd bozxozm go g ~Õ à{vñwmnz bmjv (AWm V nmì ZH$Xr n[adv Z H$m {Zdb ) 34, ) g^r S>o[adoQ>rd bozxozm go g ~Õ Ho$ {be d{y V am{e m - 6) n[ammbz boim H$Z T>m Mm Ho$ AZwgma VwbZnÌ AmpñV m go Oh H$ht H$Q>m Vr H$s JB hmo, dhm S>o[adoQ>rd g nm{edh $ H$s gh$b - d {Õ 7) (S>o[adoQ>rd bozxozm àxmz {H$E JE ZH$Xr n[adv Z m{o Z Ho$ {be àm{ßv mo½ AmpñV m H$s H$Q>m Vr ) - 8) (J«mhH$ - g memo{yv ì mnma EŠgnmoOa Ho$ Ny>Q> àmßv grgrnr boj) - 9) {bpiv F$U S>o[adoQ>rd Ho$ be g m mo{ov à^mdr AmZw m{zh$ am{e - 10) ({bpiv F$U S>o[adoQ>rd Ho$ {be à^mdr AmZw m{zh$ Am $goq> Am a d{y V H$Q>m {V m g m mo{ov) - 11) Hw$b S>o[ado{Q>d EŠgnmoOa (H«$.g 4 go 10 H$m Hw$b moj) 34, à{v^y{v {dîmr Z bozoxoz EŠgnmoOa 12) gh$b EgE $Q>r AmpñV m ({Zdb am{e kmv H$aZo H$s nhmmz Ho$ {~Zm), {~H«$s boim H$Z bozxozm Ho$ {be g m mooz Ho$ nímmv 30, ) (gh$b EgE $Q>r AmpñV m H$s ^wjvmz mo½ ZH$Xr Am a àm{ßv mo½ ZH$Xr H$s {Zdb kmv H$s JB am{e) - 14) EgE $Q>r AmpñV m Ho$ {be grgrama EŠgnmoOa - 15) EO Q> bozxoz EŠgnmoOa - 16) Hw$b à{v^y{v {dîmr bozoxoz EŠgnmoOa (H«$.g 12 go 15 H$m Hw$b moj) 30, AÝ - VwbZ nìmoîma EŠgnmoOa 17) gh$b AmZw m{zh$ am{e na VwbZ nìmoîma EŠgnmoOa 77, ) (F$U g mz am{e m Ho$ ê$nm VaU Ho$ {be g m mooz) -19, ) VwbZnÌmoVa X (H«$.g 17 go 18 H$m Hw$b) ny Or Am a Hw$b EŠgnmoOa 20) {Q> a 1 ny Or ) Hw$b EŠgnmoOa (H«$.g, 3, 11, 16 Am a 19 H$m Hw$b) brdaoo AZwnmV 22) ~ogb III brdaoo AZwnmV 6.26% 174

181 Wm EbgrAma àh$q>rh$au Q>oånboQ> Hw$b J a^m[av yë (Am gv) (` H$amo S>m ) Hw$b ^m[av yë (Am gv) Cƒ JwUdÎmm Mb {Z{Y AmpñV m 1 Hw$b Cƒ JwUdÎmm Mb {Z{Y AmpñV m (EMŠ yebe) ZH$X ~{hj Z 2 N>moQ>o H$mamo~ma, J«mhH$m go IwXam O m VWm O mam{e m, {OZ go (i) pñwa O mam{e m (ii) KQ>mE - pñwa O mam{e m ~oo mzvr WmoH$ {ZYr Z, {Og go (i) n[ammbzmë H$ O mam{e m (g^r à{vnjh$ma) (ii) J a-n[ammbzmë H$ O mam{e m (g^r à{vnjh$ma) (iii) ~oo mzvr F$U O mzvr WmoH$ {ZYr Z A{V[a³V Amdí H$VmE, {OZ go (i) {S>aod{Q>d EŠgnmoOa VWm AÝ g nm{íd H$ Amdí H$VmAm go g ~ {YV ~{hj Z (ii) F$U CËnmXm na {ZYr Z H$s hm{z go g ~ {YV ~{hj Z (iii) F$U VWm Mb{Z{Y gw{dym AÝ g {dxmjv {ZYr Z Xm{ Ëd AÝ AmH$pñ H$ {ZYr Z Xm{ Ëd Hw$b ZH$X ~{hj Z ZH$X AmJ Z 9 O mzvr CYma (CXm. à{vdvu aonmo) nyu V {Zînm{XV EŠgnmoOa go AmJ Z AÝ ZH$X AmJ Z Hw$b ZH$X AmJ Z Hw$b g m mo{ov yë Hw$b EMŠ yebe Hw$b {Zdb ZH$X ~{hj Z Mb {Z{Y H$daoO AZwnmV (%) % 175

182 dm{f H$ [anmoq> Wm EbgrAma àh$q>rh$au Q>oånboQ> Hw$b J a^m[av yë (Am gv) (` H$amo S>m ) Hw$b ^m[av yë (Am gv) Cƒ JwUdÎmm Mb {Z{Y AmpñV m 1 Hw$b Cƒ JwUdÎmm Mb {Z{Y AmpñV m (EMŠ yebe) ZH$X ~{hj Z 2 N>moQ>o H$mamo~ma, J«mhH$m go IwXam O m VWm O mam{e m, {OZ go (i) pñwa O mam{e m (ii) KQ>mE - pñwa O mam{e m ~oo mzvr WmoH$ {ZYr Z, {Og go (i) n[ammbzmë H$ O mam{e m (g^r à{vnjh$ma) (ii) J a-n[ammbzmë H$ O mam{e m (g^r à{vnjh$ma) (iii) ~oo mzvr F$U O mzvr WmoH$ {ZYr Z A{V[a³V Amdí H$VmE, {OZ go (i) {S>aod{Q>d EŠgnmoOa VWm AÝ g nm{íd H$ Amdí H$VmAm go g ~ {YV ~{hj Z (ii) F$U CËnmXm na {ZYr Z H$s hm{z go g ~ {YV ~{hj Z (iii) F$U VWm Mb{Z{Y gw{dym AÝ g {dxmjv {ZYr Z Xm{ Ëd AÝ AmH$pñ H$ {ZYr Z Xm{ Ëd Hw$b ZH$X ~{hj Z ZH$X AmJ Z 9 O mzvr CYma (CXm. à{vdvu aonmo) nyu V {Zînm{XV EŠgnmoOa go AmJ Z AÝ ZH$X AmJ Z Hw$b ZH$X AmJ Z Hw$b g m mo{ov yë Hw$b EMŠ yebe Hw$b {Zdb ZH$X ~{hj Z Mb {Z{Y H$daoO AZwnmV (%) % 176

183 Wm EbgrAma àh$q>rh$au Q>oånboQ> Hw$b J a^m[av yë (Am gv) (` H$amo S>m ) Hw$b ^m[av yë (Am gv) Cƒ JwUdÎmm Mb {Z{Y AmpñV m 1 Hw$b Cƒ JwUdÎmm Mb {Z{Y AmpñV m (EMŠ yebe) ZH$X ~{hj Z 2 N>moQ>o H$mamo~ma, J«mhH$m go IwXam O m VWm O mam{e m, {OZ go (i) pñwa O mam{e m (ii) KQ>mE - pñwa O mam{e m ~oo mzvr WmoH$ {ZYr Z, {Og go (i) n[ammbzmë H$ O mam{e m (g^r à{vnjh$ma) (ii) J a-n[ammbzmë H$ O mam{e m (g^r à{vnjh$ma) (iii) ~oo mzvr F$U O mzvr WmoH$ {ZYr Z A{V[a³V Amdí H$VmE, {OZ go (i) {S>aod{Q>d EŠgnmoOa VWm AÝ g nm{íd H$ Amdí H$VmAm go g ~ {YV ~{hj Z (ii) F$U CËnmXm na {ZYr Z H$s hm{z go g ~ {YV ~{hj Z (iii) F$U VWm Mb{Z{Y gw{dym AÝ g {dxmjv {ZYr Z Xm{ Ëd AÝ AmH$pñ H$ {ZYr Z Xm{ Ëd Hw$b ZH$X ~{hj Z ZH$X AmJ Z 9 O mzvr CYma (CXm. à{vdvu aonmo) nyu V {Zînm{XV EŠgnmoOa go AmJ Z AÝ ZH$X AmJ Z Hw$b ZH$X AmJ Z Hw$b g m mo{ov yë Hw$b EMŠ yebe Hw$b {Zdb ZH$X ~{hj Z Mb {Z{Y H$daoO AZwnmV (%) % 177

184 dm{f H$ [anmoq> Wm EbgrAma àh$q>rh$au Q>oånboQ> Hw$b J a^m[av yë (Am gv) (` H$amo S>m ) Hw$b ^m[av yë (Am gv) Cƒ JwUdÎmm Mb {Z{Y AmpñV m 1 Hw$b Cƒ JwUdÎmm Mb {Z{Y AmpñV m (EMŠ yebe) ZH$X ~{hj Z 2 N>moQ>o H$mamo~ma, J«mhH$m go IwXam O m VWm O mam{e m, {OZ go (i) pñwa O mam{e m (ii) KQ>mE - pñwa O mam{e m ~oo mzvr WmoH$ {ZYr Z, {Og go (i) n[ammbzmë H$ O mam{e m (g^r à{vnjh$ma) (ii) J a-n[ammbzmë H$ O mam{e m (g^r à{vnjh$ma) (iii) ~oo mzvr F$U O mzvr WmoH$ {ZYr Z A{V[a³V Amdí H$VmE, {OZ go (i) {S>aod{Q>d EŠgnmoOa VWm AÝ g nm{íd H$ Amdí H$VmAm go g ~ {YV ~{hj Z (ii) F$U CËnmXm na {ZYr Z H$s hm{z go g ~ {YV ~{hj Z (iii) F$U VWm Mb{Z{Y gw{dym AÝ g {dxmjv {ZYr Z Xm{ Ëd AÝ AmH$pñ H$ {ZYr Z Xm{ Ëd Hw$b ZH$X ~{hj Z ZH$X AmJ Z 9 O mzvr CYma (CXm. à{vdvu aonmo) nyu V {Zînm{XV EŠgnmoOa go AmJ Z AÝ ZH$X AmJ Z Hw$b ZH$X AmJ Z Hw$b g m mo{ov yë Hw$b EMŠ yebe Hw$b {Zdb ZH$X ~{hj Z Mb {Z{Y H$daoO AZwnmV (%) % 178

185 179

186 180

187 181

188 182

189 VIJAYA BANK NOTICE NOTICE IS HEREBY GIVEN pursuant to Regulation 56 of the Vijaya Bank (Shares and Meetings Amendment) Regulations 2008 that the Eighteenth Annual General Meeting of the Shareholders of VIJAYA BANK will be held on at the Mulki Sunder Ram Shetty Auditorium, Vijaya ORDINARY BUSINESS Sheet of the Bank as at 31 st NOTES the meeting, is also entitled to appoint a proxy No person shall be appointed as a proxy who and Meetings) Regulations 2003, the Register of Members and the Share Transfer Books of the June 2018 to Friday the 29th June 2018 (both 183

190 shareholder who has been registered as a As per Regulation 10 of the Vijaya Bank (Shares and Meetings) Regulations, 2003, if any share stands in the names of two or more persons, them as on 22nd June 2018 (Friday), being the The way to vote electronically on NSDL e-voting system consists of Two Steps which are mentioned below: Alternatively, if you are registered for NSDL eservices i.e. IDEAS, you can log-in at eservices.nsdl.com/ with your existing IDEAS login. Once you log-in to NSDL eservices after using your log-in credentials, click on e-voting and you can proceed to Step 2 i.e. Cast your vote electronically. a) For Members who hold shares in demat b) For Members who hold shares in demat holding shares in followed by 8 Digit Client ID For example if your then your user ID is For example if your then your user ID is EVEN Number followed by Folio Number registered with the For example if folio then user ID is

191 (i) If your ID is registered in (ii) If your ID is not registered, your resolution, you will not be allowed to modify of the duly authorized signatory(ies) who marked to your password with any other person and to reset at 185

192 proportion to their shares of the paid up 2018, may obtain the login ID and password or use your existing user ID and password or register of members or in the register Voting for all those members who are results shall also be immediately forwarded those shareholders who stand registered on the business hours on 22nd June 2018 as per b) As Shareholders whose names are registered in the Register of Members of the Bank through the Share Transfer Agent, 186

193 mentioned details are to be furnished by the the Share Transfer Agent of the Bank for the same (The Unpaid/Unclaimed Dividend for the year lying with the Bank shall be transferred to IEPF on as per Govt of India Guidelines. Reminder letters have been sent to all concerned shareholders requesting them to send their claims by If not claimed the balance remaining outstanding in this account will be transferred to IEPF account and thereafter no claim in respect thereof shall be available to the shareholders in terms of existing statutory provisions). Annual Report will not be distributed at the Shareholders who are still holding their share get their shares dematerialized as SEBI has

194 to inform the Share Transfer Agent of the IFSC Code, MICR Code and address of the Shareholders seeking any information on the before the date of the Annual General Meeting to enable the Management to keep the information 188

195 ` ` 96,821 ` ` ` to ` ` deposits stood at ` ` ` ` `` 3,098 Cr by marking a growth of ` ` `` ` ` ` was organized in the month of February

196 to maintain their pass book on their mobile 190

197 (` in Crore) 1863 Number of ATMs Total Deposits CASA Deposits Gross Credit Total Business Total Staff Business per Employee Cost of Deposits Net Interest Margin Return on Assets 191

198 of Vijaya Bank, it is my pleasure to share with you the down following the implementation of GST, 192

199 ` ` 3098 Crores by registering a growth all time high of ` On Digital Banking front, the Bank is always in the ` 193

200 Vijaya Bank has been adopting suitable business and pray almighty to be with the bank for glorious

201 progression in the global trade and strengthening of a long period of stagnation and sluggish growth, it alongside falling unemployment and low interest implementation of GST was one of the major reforms of the year remained with a sluggish growth mainly rate India regained its tag of the fastest growing 195

202 ` ` ` 3,098 Cr against ` The Bank is in its expansion stage in terms of its has grown to ` ` ` 196

203 ` India amounting to ` of ` to ` of ` ` ` ` 6,115 ` ` ` during the demonetization period during the

204 through Bank Mitras (Business Correspondent is set for a healthy growth after the implementation of The Bank has a sustainable business plan to ensure Bank of India and other regulators for their support I assure all the stake holders of the Bank that we 198

205 the 38th Annual Report of the Bank along with the during the 3 rd railway budget with union budget, doing away with 199

206 (` ` ` ` 200

207 A high and rising proportion of banks stressed loans ` During the year the RBI has taken strong measures of new notes in denomination of 200 and 50 notes in Mahatma Gandhi (new) series, amendments implement the Banking Regulation (Amendment) 201

208 BANK WORTH The Authorized Capital of the Bank at present is `` 300 Crore shares of ` ` ` of ` ` shares of `` ` ` from ` ` ` ` ` ` ` ` `` ` 96,821 Crore as on ` 202

209 (` in Crore) 1 2 Interest Expenditure Operating expense expenses Yield on funds 2 Cost of funds 3 5 Cost of deposits 6 Other operating expenses to 8 9 working funds NETWORK The Total Business of the Bank registered ` ` The Total Deposits of the Bank grew from ` 1,33,012 Crore to ` ` ` deposits of the Bank grew from ` ` 39,390 Crore ` 30,669 Crore and ` CASA Deposits to Total Deposits stood at 2031 to 2136 and number of extension For the During the year, the Gross Credit of the 203

210 from ` ` the year, the Bank has lent ` the extent of ` terms of extant guidelines from Ministry of ( establish a liaison and explore for a banking ( ( from ` ` The retail

211 ` ` 3,269 housing loan amounted to ` 5020 Crores ` 1525 ` grew by ` ` ` ` Target 1 lending to MSE enterprises Target 2 enterprises Target 3 ` 2290 entrepreneurs as against the target of ` also with disbursement of ` 205

212 ` ` 2018 stood at ` ` Vijaya Kisan Card (VKCs) stood at ` 3329 ` ` 698 Crore as at ` implementation of Deendayal Antyodaya ` 808 ` ` (` in Crore) ST ` ` 206

213 The Bank has established Vijaya Bank Self Employment Training Institutes (VIBSETIs) the highest grading by Ministry of Rural (VRDF) was promoted by the Bank in Dharwad and Mandya, where the Bank has Formation of 50 Vidyarthi Krishika USION Bank has been allotted with 1151 Bank Mitras (Business Correspondent

214 ` of ` to ` ` amounting to ` has been implemented at all BCA to monitor Business Correspondents on daily basis by using MIS reports on boundaries of formal and informal banking, net banking and SMS alert 208

215 by the Counselors who are retired Urban areas, Bank has prepared an Audio Film in regional languages for T for seeding Aadhaar numbers into their ` insights to enable Bank to manage its market risk, 209

216 the US spats with North Korea as well as the looming threat of trade wars between ` ` from `` `` ` ` ` operations was ` ` ` ` ` ` ` ` 210

217 ` `` ` state of the art Integrated Dealing Room, at ` Bank stood at ` `` RISK The Bank has implemented the New Capital Risk, Standardized Duration method for market the Bank has been bestowed with prestigious ISO As part of further strengthening of Risk 211

218 External and Internal Validation of Rating Models for strengthening of rating models Management by means of Training and for appropriate Risk Mitigation measures The risk measurement system is also put trading book as per stress testing framework strategy, prudential limit, substantial ` addition to this, Bank has also implemented RAM and towards FIRB (Foundation Internal Rating Market Risk Management Committee 212

219 The market risk exposure is measured The Bank has applied to RBI, seeking The Duration Gap Analysis is implemented Interest Rate Risk on entire portfolio is Operational Risk Management Framework for implementation of The Standardized Operational Risk Management is monitored by Operational Risk Management Committee and systems adopted by the Bank and Control Self Assessment (RCSA) and Key taking steps to strengthen the RCSA and The Bank is one of the founding members The Bank has been permitted by RBI to 213

220 Credit Risk, Standardised Duration Gap for The Bank has formulated its Internal taken up implementation of Integrated Risk (CRM), Market Risk Management (MRM), Operational Risk Management (ORM), Credit Risk Rating Solution (CRR) (Retail As part of the implementation and ongoing who are instrumental in implementation dimensions of risk management through ` to ` of ` (` in Crore) Additional Tier I Capital Tier II Capital Assets

221 Adalats for amount of ` Business Correspondents were engaged ` Hassan, Hubli, Kalaburgi and Mysore with 1 All ` Heads and guiding them for the speedy ` of the dues of the bank as per the latest ` ` 215

222 borrowers at the new addresses for follow Managers by the Top Management on of the Bank are followed up for immediate Regional Managers of two regions by seizure agents and portal for monitoring the ` ` ` ` The Bank has upgraded its internet banking 216

223 mobile number and MMID (Mobile Money the Bank, add remarks to fund transfer The Bank has also enabled both the options features like integration of other payment Bangalore, Motilal Nehru National Institute like interest rate of the Bank with links to like reset of password online, maintain

224 holders to maintain their pass book on their The salient features are Maintain passbook of multiple the Bank also in these personal The features of the BHIM Aadhaar Vijaya notes of your business instant transfer money between any two The following are the features of the BHIM One single App for Multiple Bank Vijaya Bank or Non Vijaya Bank need to remember or enter the bank with the following features Net Banking 218

225 Debit Card Rates Holidays Using the Toggle Solution offered through Turn on safe mode to allow a single Customer registration Mini statement Fund Transfers Bill payment of ` also now being sent to the registered ` 1 Crore 219

226 Banking news and also explanation of and is the next generation bill payment Vulnerability and penetration test as part of the below solutions to strengthen the Solution Solution Automated Clearing House (NACH) for 220

227 The Bank has implemented Integrated Integrated Treasury Management System and Integrated Risk Management System and are integrated with the Core Banking T misuse by unauthorized person possessing T payment of bills anywhere and at any The amount will be debited from then it will be settled with in our 221

228 existing ATMs and newly installed ATMs of ` 200 Bank took one step ahead of its peer sharing ` Settlement System (RTGS) and National into an agreement with Shimsha Sahakara Mahila Sahakari Bank, Mandya for using internet banking, the same is being offered 222

229 A new generation Vijaya Bank Credit Card for both android and IOS mobile operating The bank has started issuing higher end ` The Bank is issuing Debit Cards in to express our support to the Make in India Total Debit Cards Issued 9,51,518 In order to promote paperless banking, the Bank has also implemented the State Tax of Registration (TNIGRS), Assam State Tax 223

230 to the laid down Systems, Internal Controls, The Bank has implemented web based audit Hands on training for all the Regional The Bank has implemented web based yearly basis as per Business parameters auditors is done on a yearly basis as per the

231 Bank has an independent Fraud Monitoring frauds amounting to ` ` in terms of modus operandi and system ` ` related matters, Expenses head and Customized the prioritizing of the 225

232 timely submission of Returns to the Regulators The Bank has taken steps to implement address proof, id proof, photograph and 226

233 The assessment is made based on the offsite analysis of data and information Authorities under the Right to Information The total staff strength of the Bank stood at number of women employees as at the end

234 Sub staff Clerk persons suffering from (i) blindness or ` ` from ` ` Treasury Management, Risk Management, employees had undergone training were trained at the reputed external training 228

235 In the similar manner, OBC Cell is also employees and to seek their suggestions of the management and employees of the There was no agitation or unrest during the year by the employees relating to issues of the employees and settle the disputes, The Basketball team has done well during Sunder Ram Shetty All India Basketball Shri Rajesh Uppar who represented India is Shri Anil Kumar, Shri Karthikeyan and were Runners in the prestigious G2 1st and are under regular training as probables Shri Zeeshan Ali and Shri Rohan Kadam representing Karnataka and Niyas N Shri K Gowtham will be representing the 229

236 C, Shri Mahesh, Shri Santosh Kumar and The Kabaddi team has been in exemplary Tournament at Chennarayapatna and State Runners in All India Karwar Tournament and All India Kabaddi Tournament at and Shri Sunil represented Karnataka at also represented Gujarat Fortune Giants ` staff the employees hospitalization expenses members on death of the employees 230

237 superannuation Bangalore is being extended to staff time of marriage Complaints Committee (ICC) at the Head from staff members pertaining to gender 231

238 1 5 1 in progress) Digital CCTV systems with high resolution Hybrid Alarm System with wired and disposed The respondent has been Matter was settled through is in progress 232

239 of the rank of General Manager, who will be responsible for the implementation of In terms of RBI guidelines, the Bank has appointed Internal Ombudsman to examine 233

240 made mandatory in all the trainings imparted in the Staff Training College to sensitize the business need of the Bank and not a To impress upon the frontline staff on The Bank, being a member of BCSBI, has in the staff general banking training

241 Citizens and differently abled persons as industries and the banking industry has its share future banking and would take the industry into a SERVICES Vijaya Bank has been a pioneer in implementing The Challans amounting to ` 235

242 State pensions in the states of Karnataka, Our Bank has This of the Bank are authorized for handling All the Vijaya Bank is a Depository Our Bank offers the following Depository (Shares, Debentures, Mutual funds The Bank has a tie up with IDBI Capital for The Bank has entered The Bank has 236

243 y r 15,89,033 The Bank started sending SMS in Hindi and in The Bank, during the year published a book, during All India Inter Bank Hindi Seminar, during

244 Department was awarded 1 st nd was awarded 3 rd were awarded 1 st nd and Chandigarh 3 rd to realize her true potential and not be related expenses like books, shoes, uniform Bank has set up Vijaya Rural Health Centres number of Vijaya Rural Health Centres to

245 Donation of bus has been made for the donated by the bank to orphanages and Dementia patients to a Trust, donations Donation of few water purifying units Hospital for the welfare of the patients and towards expenditure of food expenses for a trust, dress material for uniforms of orphan were undertaken towards empowering 239

246 Urban) Housing For All by 2022 and Deendayal Antyodaya Yojana (Day) STs held at New Delhi on 08th September, Bengaluru, Vishakhapatnam and Mumbai IDBRT has awarded Best Bank in "Use of Award by HUDCO for its outstanding of the Bank SUB BOARD

247 Management Committee Audit Committee Stakeholder Relationship Committee Share Transfer Committee Risk Management Committee Committee 1 Remuneration Committee 1 Nomination Committee 2 IT Strategy Committee 5 Committee 3 HR Committee 1 Shri G Narayanan Shri R A Sankara Narayanan CEO Shri Nageswara Rao Y Shri Murali Ramaswami Category) Shri V V R Sastry Shri S Raghunath Shri Rajan Dogra all staff members for their full support in the pursuit of

248 BUSINESS ` ` ` `

249 (b) Details of the BR head 1 N A 2 Name 3 Designation General Manager Telephone number Y Y Y Y Y Y Y Y 2 Y Y Y Y Y Y Y Y Y

250 Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y 5 Y Y Y Y Y Y Y Y Y 6 Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y N N N N N N N N N options) It is planned to be done within next 6 months 5 It is planned to be done within the next 1 year

251 (b) of the Board or CEO to assess the Annually, More than 1 year Does the Company publish a BR or

252 ` `

253 The total number of employees is The number of permanent women employee is Yes AIVBOA VBEA 1 Nil Nil 2 Sexual harassment 2 3 Nil NA

254 Yes ranging from `` `

255 b) Banking Codes and Standard Board of India (BCSBI)

256 with ` ` 250

257 ` ` 251

258 252

259

260 Shri G Narayanan Shri Nageswara Rao Y RBI Nominee Category) Shri V V R Sastry Shri S Raghunath DATE OF BIRTH Shri R A SANKARA NARAYANAN 58 years

261 NATURE OF DIRECTOR DATE OF BIRTH NATURE OF DIRECTOR Treasury, International Banking, Corporate Credit, Risk Management, Shri Murali Ramaswami 58 Years Shri Murali Ramaswami had joined Vijaya bank as Manager in the year 1989 and 255

262 DATE OF BIRTH NATURE OF DIRECTOR DATE OF BIRTH NATURE OF DIRECTOR 63 years 256

263 DATE OF BIRTH NATURE OF DIRECTOR DATE OF BIRTH NATURE OF DIRECTOR Shri Rajan Dogra 56 years

264 NO/NA Shri G Narayanan YES YES Shri R A Sankara Narayanan NA Shri B S Rama Rao YES Shri Nageswara Rao Y 16 YES Shri Murali Ramaswami NA Shri Sanjay Kumar 5 3 YES 12 9 NA 15 YES 3 2 YES 3 3 YES Shri Rajan Dogra NA NA NA Rao YES Shri V V R Sastry YES Shri S Raghunath 13 NO 258

265 259

266 Shri R A Sankara Narayanan Chairman Shri Nageswara Rao Y Member Shri Murali Ramaswami Member Member Member Shri Rajan Dogra Member Shri B S Rama Rao 9 8 Shri Nageswara Rao Y Shri S Raghunath 5 Shri VVR Sastry 2 2 Shri Rajan Dogra

267 Chairman Shri Murali Ramaswami Member Member Member Shri V V R Sastry Member Member 261

268 Shri B S Rama Rao 6 6 Shri Murali Ramaswami 1 1 Smt Sanjay Kumar Shri S Raghunath 2 2 Shri V V R Sastry 5 5 Shri Rajan Dogra Chairman Shri Nageswara Rao Y Member Shri Murali Ramaswami Member Shri VVR Sastry Member Shri Rajan Dogra Member 262

269 1 2 2 Shri B S Rama Rao 3 3 Shri Nageswara Rao Y 3 Shri Murali Ramaswamy Shri V V R Sastry 1 1 Shri S Raghunath 3 3 Shri Rajan Dogra Shri R A Sankara Narayanana Chairman Shri S Raghunath Member Shri Rajan Dogra Member Shri R A Sankaranarayanan 2 2 Shri Kishore Sansi 2 2 Shri V V R Sastry 3 3 Shri Vaidyanathan Shri S Raghunath 1 1 Shri Rajan Dogra

270 Shri G Narayanan Chairman Shri R A Sankara Narayanan Member Shri Nageswara Rao Y Member Shri Murali Ramaswami Member Member Member Shri Rajan Dogra Member Member Shri G Narayanan 6 6 Shri Kishore Sansi 1 1 Shri R A Sankaranarayanan 5 5 Shri B S Rama Rao Shri Nageswara Rao Y 6 1 1

271 Shri V V R Sastry Shri Rajan Dogra 5 Shri G Narayanan Chairman Shri R A Sankara Narayanan Member Shri Nageswara Rao Y Member Shri Murali Ramaswami Member Member Shri Rajan Dogra Member Member Shri G Narayanan Shri R A Sankara Narayanan 1 1 Shri Murali Ramaswami 0 0 Shri B S Rama Rao 2 2 Shri Nageswara Rao 2 2 Shri Sanjay Kumar Shri V V R Sastry

272 ` business of ` ` ` Shri R A Sankara Narayanan Chairman Shri Nageswara Rao Y Member Shri Murali Ramaswami Member Member Shri Subrat Kumar (GM Risk Management) Member Shri B S Rama Rao 16 Shri Nageswara Rao Y Shri Murali Ramswamy General Manager Credit (O) and General Manager Credit (O) Shri Jagan Mohan General Manager RMD Shri Subrat Kumar General Manager RMD General Manager Credit (O)

273 Shri R A Sankara Narayanan Chairman Shri Nageswara Rao Y Member Shri Murali Ramaswami Member Member Member Shri B S Rama Rao 3 3 Shri Nageswara Rao Y Shri Sanjay Kumar

274 Shri R A Sankara Narayanan Chairman Member Shri S Raghunath Member Shri R A Sankara Narayanan Chairman Shri Nageswara Rao Y Member Shri Murali Ramaswami Member Member Shri VVR Sastry Member Shri Rajan Dogra Member Member 268

275 Shri B S Rama Rao 3 3 Shri Nageswara Rao Y 3 Shri Murali Ramaswamy Shri V V R Sastry Shri S Raghunath 3 3 Shri Rajan Dogra Shri G Narayanan Chairman Member Member Member 1 Shri G Narayanan Shri Sanjay Kumar

276 Salary ,028,600 Retirement 191, ,000 11,200 16,000 19,200 0 ` Shri G Narayanan Shri Vaidyanathan Shri V V R Sastry Shri S Raghunath Shri Rajan Dogra

277 Shri G Narayanan Chairman Member Member Shri G Narayanan 2 2 Shri Sanjay Kumar 2 2 Shri V V R Sastry 2 2 Shri R A Sankara Narayanan Chairman Shri Nageswara Rao Y Member Shri Murali Ramaswami Member Shri S Raghunath Member

278 Shri G Narayanan Chairman Shri Nageswara Rao Y Member Shri Murali Ramaswami Member Member Shri VVR Sastry Member Member Shri S Raghunath Member Shri G Narayanan 5 5 Smt Bharati Rao 1 1 Shri B S Rama Rao 3 3 Shri Nageswara Rao Y 5 Shri Murali Ramaswami 2 2 Shri V V R Sastry Shri S Raghunath 5 Shri Rajan Dogra

279 ` Shri R A Sankara Narayanan Chairman Shri Nageswara Rao Y Member Shri Murali Ramaswami Member Member Shri S Raghunath Member Shri B S Rama Rao 6 6 Shri Nageswara Rao Y Shri Murali Ramaswami 1 1 Shri Sanjay Kumar Shri VVR Sastry 6 6 Shri S Raghunath 1 1 Committee of the Board)

280 Chairman Member Member Shri R A Sankara Narayanan Chairman Member Shri V V R Sastry Member Shri R A Sankara Narayanan Chairman Shri Nageswara Rao Y Member Shri Murali Ramaswami Member Shri S Raghunath Member Member

281 Shri B S Rama Rao 3 3 Shri Nageswara Rao Y Shri Murali Ramaswamy 1 1 Smt Bharati Rao Shri S Raghunath 1 1 Shri Rajan Dogra Shri R A Sankara Narayanan Chairman Member Shri Rajan Dogra Member The Committee met 3 times during the period as under Shri V V R Sastry Shri S Raghunath Shri Rajan Dogra 1 1

282 Shri G Narayanan Chairman Shri R A Sankara Narayanan Member Shri Nageswara Rao Y Member Shri Murali Ramaswami Member Member Member Member 1 Shri G Narayanan Shri B S Rama Rao Shri Nageswara Rao Y 6 Shri Murali Ramaswami 1 1 Smt Bharati Rao Shri S Raghunath 3 3

283 10 Shri V V R Sastry Shri Rajan Dogra Shri R A Sankara Narayanan Chairman Shri Nageswara Rao Y Member Shri Murali Ramaswami Member Member Shri V V R Sastry Member Shri S Raghunath Member 1 Shri R A Sankara Narayanan Shri Nageswara Rao Y Shri Murali Ramaswami Shri V V R Sastry Shri S Raghunath 1 1

284 Date Time Venue Mulki Sunder Ram Shetty Auditorium, 15th AGM YES 16 th AGM YES YES

285 Karnataka

286

287 Vijaya Karnataka (Kannada) (Kannada) Vijaya Karnataka (kannada) Business Standard (Hindi) Business Standard (Hindi) Business Standard Vijaya Karnataka (kannada) (English) (Hindi) Yes expense and also be allowed reimbursement of The Company may appoint separate persons to the separate persons to the post of Chairperson and 281

288 Corporate Relationship Department, 1st Floor, New Trading Ring,

289 from ` 1500 Crore to ` ` 3000 Crore ` (` Crore) 300 Crore Shares of ` ` ` ` ` A 1 2 B 3 283

290 C Others a) Corporate Bodies e) Foreign Nationals Sub Total Foreign Mutual Funds 5 NRIs 6 Foreign Banks Foreign National 1 Indian promoter 2 3 Mutual Fund

291 ` ` ` NSE NIFTY January 2018 February 2018 VIJAYA BANK S SHARE PRICE Vs NIFTY-NSE INDEX DURING FY t t t t t t t t t t t Apr -17 May -17 Jun-17 Jul-17 Aug-17 Sep-17 Oct -17 Nov -17 Dec-17 Jan-18 Feb -18 Mar-18 0 NSE NIFTY BANK S SHARE PRICE 285

292 ` ` ` BSE January 2018 February VIJAYA BANK S SHARE PRICE Vs SENSEX-BSE INDEX DURING FY t 80 t t t t t t t t t Apr -17 May -17 Jun-17 Jul-17 Aug-17 Sep-17 Oct -17 Nov -17 Dec-17 Jan-18 Feb -18 Mar t BSE SENSEX Bank s Share Price 286

293 ` ` 1 to to to to to Chairman

294 To The Members of Vijaya Bank VIJAYA BANK for the year ended Registration No N 288

295 289

296 BALANCE SHEET AS ON 31 st MARCH, 2018 PARTICULARS Schedule No. [` 000 s omitted] As on As on CAPITAL AND LIABILITIES Capital Share Application Money 1A 0 0 Reserves and Surplus Deposits Borrowings Other Liabilities and Provisions TOTAL ASSETS Cash and Balance with Reserve Bank of India Balance with Banks and Money at Call and Short Notice Investments Advances Fixed Assets Other Assets TOTAL Contingent Liabilities Bills for Collection Accounting Policies 17 Notes on Accounts 18 GOPALAKRISHNAN NARAYANAN R. A. SANKARA NARAYANAN NAGESWARA RAO.Y MURALI RAMASWAMI Chairman Managing Director & CEO Executive Director Executive Director N. SRINIVAS RAO G. P. BORAH VIVEK SONI M. BHAGAVANTHA RAO Director Director Director Director V. V. R. SASTRY S. RAGHUNATH RAJAN DOGRA RAGHVENDER GUPTA Director Director Director Director RAMESH KUMAR MIGLANI General Manager AS PER OUR REPORT OF EVEN DATE For M/s JAGANNATHAN & SARABESWARAN For M/s SHIV JINDAL & CO. Chartered Accountants Chartered Accountants Registration No: S Registration No: N N. RANGAN VIKRAM JINDAL Partner Partner Membership No: Membership No: For M/s O. P. BAGLA & CO. LLP For M/s PRICE PATT & CO. (Formerly M/s O P Bagla & Co.) Chartered Accountants Chartered Accountants Registration No: 02783S Registration No: N/NYA RAKESH KUMAR M. NAGANATHAN Partner Partner Membership No: Membership No:07547 Place : Bengaluru 290

297 PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31 st MARCH, 2018 PARTICULARS Schedule No. For the year ended [` 000 s omitted] For the year ended I. INCOME Interest Earned Other Income TOTAL II. EXPENDITURE Interest Expended Operating Expenses Provisions and Contingencies TOTAL III. PROFIT / LOSS Less: Creation of DTL on Special Reserve U/s 36(1)(viii) - - Add: Transfer from General Reserve - - TOTAL IV. APPROPRIATIONS Transfer to Statutory Reserve Income Tax Act Transfer to Capital Reserve Transfer to General Reserve - - Interim Dividend (inclusive of tax) - - Proposed Dividend - Equity Share Capital (inclusive of tax) Proposed Dividend Preference Share Capital (inclusive of tax) - - Balance carried forward to Balance Sheet TOTAL Earnings Per Share - Basic (In `) Diluted (In `) 6.83 Accounting Policies 17 Notes on Accounts 18 GOPALAKRISHNAN NARAYANAN R. A. SANKARA NARAYANAN NAGESWARA RAO.Y MURALI RAMASWAMI Chairman Managing Director & CEO Executive Director Executive Director N. SRINIVAS RAO G. P. BORAH VIVEK SONI M. BHAGAVANTHA RAO Director Director Director Director V. V. R. SASTRY S. RAGHUNATH RAJAN DOGRA RAGHVENDER GUPTA Director Director Director Director RAMESH KUMAR MIGLANI General Manager AS PER OUR REPORT OF EVEN DATE For M/s JAGANNATHAN & SARABESWARAN For M/s SHIV JINDAL & CO. Chartered Accountants Chartered Accountants Registration No: S Registration No: N N. RANGAN VIKRAM JINDAL Partner Partner Membership No: Membership No: For M/s O. P. BAGLA & CO. LLP For M/s PRICE PATT & CO. (Formerly M/s O P Bagla & Co.) Chartered Accountants Chartered Accountants Registration No: 02783S Registration No: N/NYA RAKESH KUMAR M. NAGANATHAN Partner Partner Membership No: Membership No:07547 Place : Bengaluru 291

298 SCHEDULES TO BALANCE SHEET AND PROFIT & LOSS ACCOUNT [` 000 s omitted] PARTICULARS As on As on SCHEDULE - 1 : CAPITAL AUTHORISED CAPITAL ,00,00,000 Shares of `10/- each ISSUED, SUBSCRIBED AND CALLED UP CAPITAL 130,41,47,965 Equity Shares of `10/- each (Previous year 99,88,45, Equity Shares of `10/- each) PAID UP CAPITAL (a) Held by Central Government 89,68,11,702 Equity Shares of `10/ each (Previous year 70,25,32,074 Equity Shares of `10/- each) (b) Held by the Public and Others 40,73,36,263 Equity Shares of `10/ each (Previous year 29,63,13,266 ) TOTAL at a price of ` `10/- at premium of ` at a price of ``10/- at premium of ` SCHEDULE - 1A : SHARE APPLICATION MONEY 0 0 TOTAL 0 0 SCHEDULE - 2 : RESERVES AND SURPLUS I. STATUTORY RESERVE Balance as per last Balance Sheet Add : Additions during the year TOTAL II. CAPITAL RESERVE Balance as per last Balance Sheet Add : Additions during the year TOTAL III. SHARE PREMIUM Balance as per last Balance Sheet Add : Additions during the year TOTAL

299 IV. [` 000 s omitted] PARTICULARS As on As on REVALUATION RESERVE Balance as per last Balance Sheet Add : Additions during the year 0 0 Less : Deduction on account of depreciation adjusted from Profit & Loss Account TOTAL V. REVENUE AND OTHER RESERVES Tax Act Balance as per last Balance Sheet Add : Additions during the year TOTAL [b] General Reserve Balance as per last Balance Sheet Add/(Less) : Transfer during the Year - - TOTAL [c] Balance in Profit & Loss Account TOTAL TOTAL [a+b+c] TOTAL { I+II+III+IV+V} SCHEDULE - 3 : DEPOSITS DEPOSITS IN INDIA i) From Banks ii) From Others i) From Banks ii) From Others TOTAL

300 [` 000 s omitted] PARTICULARS As on As on SCHEDULE - 4 : BORROWINGS i) Reserve Bank of India 0 0 ii) Other Banks iii) Other Institutions & Agencies iv) Sub-ordinated Debts - Bonds TOTAL SCHEDULE - 5 : OTHER LIABILITIES AND PROVISIONS (i) Bills Payable (ii) Interest Accrued (iii) Provision against Standard Assets (iv) Others [including Provisions] (v) Inter Office Adjustments [net] 0 0 (vi) Deffered Tax Liablity (Net) 0 0 TOTAL SCHEDULE - 6 : CASH AND BALANCES WITH RESERVE BANK OF INDIA TOTAL

301 [` 000 s omitted] PARTICULARS As on As on SCHEDULE - 7 : BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICE I. IN INDIA (i) Balances with Banks a) in Current Accounts b) in Other Deposit Accounts (ii) Money at Call and Short Notice a) with Banks 0 0 b) with Other Institutions TOTAL II. OUTSIDE INDIA * a) in Current Accounts b) in Other Deposit Accounts TOTAL TOTAL {I+II} *Includes pipeline and unadjusted items in Nostro Mirror Balances SCHEDULE - 8 : INVESTMENTS INVESTMENTS IN INDIA [GROSS] Less : Provision for Depreciation and Non Performing Investments Net Investments in India Break up : i) Government Securities ii) Other Approved Securities iii) Shares iv) Debentures & Bonds v) Investments in Associates (on Equity Method) 0 0 vi) Others (Commercial Paper, Units of Mutual Funds, Venture Capital TOTAL SCHEDULE - 9 : ADVANCES [A] i) Bills Purchased & Discounted ii) Cash Credits, Overdrafts & Loans Repayable on Demand iii) Term Loans TOTAL

302 [` 000 s omitted] PARTICULARS As on As on [B] i) Secured by Tangible Assets [includes advance against book debts] ii) Covered by Bank/Government Guarantees iii) Unsecured TOTAL [C] Advances in India i) Priority Sector ii) Public Sector iii) Banks iv) Others TOTAL SCHEDULE - 10 : FIXED ASSETS I. PREMISES Gross Block [at cost/re-valued amount] As per last Balance Sheet Additions during the year Deductions during the year Depreciation Balance as per last Balance Sheet Add : Depreciation charged during the year Less : Deduction during the year - - Depreciation to date - includes on account of revaluation ` 3,99,558 thousands (Previous year : ` 4,33,925 thousands) Written Down Value II. OTHER FIXED ASSETS [including Furniture & Fixture] Gross Block (at cost) As per last Balance Sheet Additions during the year

303 [` 000 s omitted] PARTICULARS As on As on Deductions during the year Depreciation Balance as per last Balance Sheet Add : Depreciation charged during the year Less : Deduction during the year Depreciation to date Written Down Value III. CAPITAL WORK IN PROGRESS TOTAL SCHEDULE - 11 : OTHER ASSETS TOTAL SCHEDULE - 12 : CONTINGENT LIABILITIES TOTAL

304 PARTICULARS For the year ended [` 000 s omitted] For the year ended SCHEDULE - 13 : INTEREST EARNED funds TOTAL SCHEDULE - 14 : OTHER INCOME Less: Loss on Sale of Investments Less: Amortisation of premium on HTM securities Less: Loss on Sale of Land, Building & Other Assets Less: Loss on Exchange Transactions TOTAL { i+ii+iii+iv+v+vi } SCHEDULE - 15 : INTEREST EXPENDED TOTAL

305 PARTICULARS For the year ended [` 000 s omitted] For the year ended SCHEDULE - 16 : OPERATING EXPENSES Less: Depreciation adjusted from Revaluation Reserve TOTAL GOPALAKRISHNAN NARAYANAN R. A. SANKARA NARAYANAN NAGESWARA RAO.Y MURALI RAMASWAMI Chairman Managing Director & CEO Executive Director Executive Director N. SRINIVAS RAO G. P. BORAH VIVEK SONI M. BHAGAVANTHA RAO Director Director Director Director V. V. R. SASTRY S. RAGHUNATH RAJAN DOGRA RAGHVENDER GUPTA Director Director Director Director RAMESH KUMAR MIGLANI General Manager AS PER OUR REPORT OF EVEN DATE For M/s JAGANNATHAN & SARABESWARAN For M/s SHIV JINDAL & CO. Chartered Accountants Chartered Accountants Registration No: S Registration No: N N. RANGAN VIKRAM JINDAL Partner Partner Membership No: Membership No: Place : Bengaluru For M/s O. P. BAGLA & CO. LLP (Formerly M/s O P Bagla & Co.) Chartered Accountants Registration No: N/NYA RAKESH KUMAR Partner Membership No: For M/s PRICE PATT & CO. Chartered Accountants Registration No: 02783S M. NAGANATHAN Partner Membership No:

306 SCHEDULE 17 : SIGNIFICANT ACCOUNTING POLICIES A. Basis of Preparation: under the historical cost convention, on the accrual basis of accounting and on a goingconcern basis, unless otherwise stated and they conform in all material aspects to Generally Accepted Accounting Principles (GAAP) in force in India, Accounting Standards Issued by ICAI as well as to the applicable statutory provisions including those of Banking Regulation Act 1949, regulatory norms/guidelines prescribed by RBI including special dispensations (to the extant availed) announced from time to time, and the practices prevalent in the banking industry in B. Use of Estimates: The preparation of financial statements requires the management to make estimates and assumptions considered in the reported amount of assets and liabilities (including contingent liabilities) as on the date of the financial statements and the reported income and expenses during that the estimates used in preparation of the Any revision in the estimates is recognised prospectively in the year in which they are known/ 1) FOREIGN EXCHANGE TRANSACTIONS I. Transactions other than FCNR/EEFC/ RFC Accounts a) Foreign Currency assets and liabilities and outstanding forward exchange contracts and swaps are translated at the year end rates as quoted by Foreign Exchange Dealers' Association of loss is included in the Profit and Loss b) Income and expenditure items are translated at the exchange rates ruling c) Contingent liabilities on account of acceptances, endorsements and other obligations including guarantees and Letters of Credit issued in Foreign Currencies, shown in the Balance Sheet are valued at the yearend rates II. Transactions relating to FCNR/EEFC/ RFC accounts Foreign Currency Deposits in FCNR/EEFC/ RFC accounts including interest accrued thereon and also the corresponding assets are recorded at market related notional rates, Liabilities at the yearend are revalued at rates quoted by Foreign Exchange Dealers' 2) INVESTMENTS A) General All the investment transactions are recorded on trade date and accounted on settlement Investments are accounted for in accordance with the extant RBI guidelines on investment classification and shown in the Balance Sheet under the following six groups: a) Government Securities b) Other Approved Securities c) Shares d) Debentures and Bonds e) Investments in Subsidiaries/Joint Ventures f) Others (Commercial Paper, Units of Mutual Fund, Venture Capital Funds B) Classification of investments: The Investment portfolio of the Bank is classified into the following three categories: a) Held to Maturity Investments that the Bank intends to hold till maturity 300

307 and Investments in subsidiaries, joint ventures and associates, if any, are b) Held for Trading Investments that are held principally for resale within 90 days from the date of purchase are c) Available for Sale Investments which are not classified in the above two categories are classified as Available An investment is classified under HTM, HFT or AFS at the time of its acquisition and subsequent shifting amongst categories is done in conformity with Transfer of scrips from AFS/HFT category to HTM category and vice versa is made at the lower of book the market value is higher than the book value at the time of transfer, the appreciation is ignored and the security is transferred at the book value is lower than the book value, the provision against depreciation held against this security (including the additional provision required, if any, based on valuation done on the date of transfer) is adjusted to reduce the book value to the market value and the security is transferred at the In the case of transfer of securities from HTM to AFS/HFT category, if the security was originally placed under the HTM category at a discount, it is transferred to AFS/HFT category After transfer, it is immediately revalued and resultant depreciation, if originally placed in the HTM category at a premium, it is transferred to the AFS/HFT category at the amortised immediately re-valued and resultant In the case of transfer of securities from AFS to HFT category or viceversa, the securities are not re-valued C) Basis of Valuation: I. Cost of acquisition of investments: In determining the acquisition cost of an investment: (a) Brokerage, Commission, Securities Transaction Tax (STT) acquisition of investments are expensed upfront and excluded (b) Broken period interest paid / received on debt instruments is treated as interest expense / income and is excluded from (c) Cost is determined on the moving weighted average cost method for investments under AFS and II Valuation of Investments under Held to Maturity (i) Investments classified under this category are valued at the year end at the acquisition cost, except where the acquisition cost is more than the face value, in which case the premium is amortized on constant yield (ii) Investments in venture capital funds are valued at cost of (iii) Profit on sale of investments in this category is first taken to Profit and Loss Account and there after appropriated to the 301

308 A B on sale is recognised in the Profit III. Valuation of Investments under Available for Sale and Held for Trading categories: Investments held under AFS and HFT categories are individually valued at the market price or fair value determined as per Regulatory guidelines, and only the net depreciation of each group for securities (ii) Other Approved Securities (iii) Shares (iv) Bonds and Debentures (v) Subsidiaries and Joint Ventures; and (vi) others) is provided for and net appreciation, is is not reduced from the book value of individual security, but such provision is held under liabilities as Provision The valuation criteria for the various investments held under AFS and HFT category is given in the following table: (a) Criteria for Valuation of Investments under AFS and HFT: Investments Valuation Procedure Securities and Securities Securities guaranteed by Central / State Bonds (Not in the nature of advances) At market prices / YTM as published by Fixed Income Money Market and Derivatives Association of India (FIMMDA) on periodical On appropriate yield to maturity basis as per C Treasury Bills At carrying cost Investments Valuation Procedure D Equity Shares At market price, if quoted, otherwise at breakup value of the shares as per latest balance sheet (Not more than one year old), otherwise at ` E Preference Shares At market price, if quoted or on appropriate yield to maturity basis not exceeding redemption value as per RBI of preference shares, where preference dividends are in arrears, no credit is taken for accrued dividends and the value determined on YTM is if the arrears are for 1 year provision requirement arrived at in the above manner in respect of non-performing preference shares where dividends are in arrears is held separately and it is not set off against appreciation on other performing F G H Bonds and Debentures (Not in the nature of advances) Units of mutual funds Commercial Papers At market price, if quoted, or on appropriate yield to maturity as per RBI / As per Stock Exchange quotation, if quoted; at repurchase price / NAV, if At carrying cost 302

309 I J K Investments Security Receipts Venture Capital Funds Other Investments Valuation Procedure Security Receipts issued to the Bank by Secrutisation Company / Asset Reconstruction Company, on sale of its loans, is recognised at lower of: (i) Net Book Value (NBV) provisions held) of the financial asset; and (ii) Redemption value of SR provided by the SC/ARC as per the Recovery Rating provided by Credit Rating At net asset value (NAV) At carrying cost less Depreciation on the instruments acquired by way of conversion, whether classified as standard or NPA, is not offset against the appreciation in any other Profit/Loss on sale of investments in AFS/HFT category (b) Prudential Norms Income recongnition, asset classification and provisioning norms, applicable to loans and advances, shall apply, mutatis mutandis, to investments, as follows: (a) i) Securities with guarantees of the Central Government are treated as performing investments, notwithstanding arrears of principal/interest interest if not realized for more than 90 days is recognized as income only on cash ii) Securities guaranteed by the State Government, where the principal/interest is due but not paid for a period of more than 90 days, are treated as Non Performing Investments and provided for as per Further, for securities guaranteed by the State Governments, where the principal/ interest is due but not paid for a period of more than 90 days, interest is recognized as income only on (b) Preference Shares and other Non SLR Securities including bonds and debentures not guaranteed by the Central Government/ the Principal/Interest/Fixed Dividend is due but not paid for a period of more than 90 days are treated as Non Performing Investments and provided for as per the Reserve Bank of India (c) If any credit facility availed by the issuer from the Bank is NPA, investments in any of the securities issued by the same issuer is also treated as Non Performing Investments and vice versa, except in the case of investment in preference (e) The depreciation/ provision requirement in respect of non-performing investments is not set off 303

310 against the appreciation in respect of other performing 3) TRANSACTIONS RELATING TO DERIVATIVES Derivative contracts are designated as hedging or trading and accounted for as follows: a) Hedge Swaps: The interest rate swaps which hedge interest bearing assets and liabilities are accounted for on accrual basis except the swaps designated with an asset or liability that is carried at market value or lower of cost or market value in the financial marked to market with the resulting gain or loss recorded as an adjustment to the The gain or loss on the terminated swaps is deferred and recognized over the shorter of the remaining contractual life of the swap or b) Re-designation of Hedge items: If a hedge is re-designated from one item of asset/ liability to another item of asset/liability, such re-designation is accounted for as the termination of one hedge and acquisition of swap is marked to market and the mark to market value is amortized over the shorter period of the remaining life of the swap offsetting mark to market entry adjustments would be treated as premium received or paid for hedge on the newly designated item of asset/liability and this would be amortized over the life of the re-designated asset/liability or remaining term of the swap c) Trading Swaps: The trading swaps are marked to market with the resulting gain Gain or loss on termination of the swap is 4) FIXED ASSETS/DEPRECIATION & AMORTIZATION I) Fixed Assets a) Premises of the bank include free hold as well as leas II) Land and buildings purchased or allotted have been capitalised based on agreements/letters of allotment Assets are capitalized on the date of Assets are stated at their historical cost, except those which have been b) Advance payments made for acquisition of capital assets and deposits made in respect of properties taken on lease/rent are included under Depreciation / Amortization a) Fixed Assets (other than computers and software) including leasehold land and building are depreciated at the rates prescribed under the rules reducing balance method, including on the composite cost of certain properties, where it is not possible to (including operating software) are depreciated on Straight Line Method expenses, treated as intangible assets to Fixed Asset during the financial depreciation prescribed, if the asset is put to use for 180 days and above of depreciation prescribed, if the asset is put to use for less than 180 days provided in the year of sale/disposal b) Incremental depreciation on revalued amount in respect of premises is adjusted from Revaluation Reserve account and credited to Profit and 304

311 5) LEASED OUT ASSETS Accounting for leased assets is done as per non-performing assets, is made by applying the asset classification norms prescribed by the RBI 6) NON BANKING ASSETS 7) ADVANCES Advances are classified as per the RBI guidelines into standard, sub-standard, doubtful and loss assets after considering subsequent recoveries made in conformity with the guidelines issued by a) In terms of the guidelines of the Reserve Bank of India, advances are classified as "Performing" and "Non-Performing" assets based on recovery of principal/interest and advances are classified as "Non Performing Assets" as per the delinquency Government Guaranteed advances, requirement of invocation of the Guarantee has been de-linked for classification of an (NPAs) are categorized as Sub-Standard, Doubtful and Loss Assets for the purpose of Advances shown in the Balance Sheet are net of provisions [including floating provisions other than provision on standard assets] in respect of non-performing advances, interest suspense and ECGC/ in/ contributions to Pass through Certificates (PTCs) and /or to the asset-backed assignment of loan assets of other banks / financial institutions where the Bank has c) Amounts recovered against bad debts written off in earlier years are recognised in d) Provisions on Standard Advances are shown e) Provision on advances is made as per the RBI guidelines as under: Standard Assets: provision is made Sub Standard Assets: case of sub standard assets which are identified ab-initio as "unsecured Doubtful Assets: applicable on the secured portion of advances, depending upon the period for which the asset has remained portion of the outstanding advance after netting realized amount in respect of realized/realizable amount of guarantee cover under the ECGC/ Loss Assets: f) Restructured / rescheduled accounts: In case of restructured / rescheduled accounts provision is made for the sacrifice against erosion/ diminution in fair value of restructured loans, in accordance with the general framework of restructuring of The diminution in the fair value is recomputed on each balance sheet date till satisfactory completion of all repayment obligations and full repayments of the outstanding, so as to capture the changes in the fair value on account of changes in base rate, term premium and credit category of the The restructured accounts are classified in 305

312 8) REVENUE RECOGNITION Income is accounted on accrual basis except in the following cases: a) In the case of Non Performing Assets, income is recognized on cash basis, in terms of guidelines of the Reserve Bank of upgrade the Non Performing Asset accounts by way of regularization, such recovery is being appropriated towards the principal/ book balance in the first instance and of Non Performing Investments, the same b) Income from Units of Mutual Funds, Commission on Insurance and Depository Participant business, Merchant Banking transactions, General Insurance business, Money transfer services, Sale of Mutual Fund products, Locker Rent, Commission on c) Commission earned from Non-fund based d) Interest on securities which is due and not paid for a period of more than 90 days is recognized on realisation basis as per RBI e) In the case of suit filed accounts, legal expenses are charged to the profit and loss of legal expenses in respect of such suit filed accounts, the amount recovered is f) Dividend is recognised as income in the year the right to receive the dividend is 9) NET PROFIT The net profit is arrived at after a) Provisions for Income Tax in accordance with statutory requirements b) Provision on advances/investments c) Adjustments to the value of investments d) Transfers to provisions and contingencies e) Provision for Inter Branch accounts lying unadjusted for more than six months as per RBI norms f) Other usual and necessary provisions 10) EMPLOYEE BENEFITS a) Expenses arising out of claims in respect of employee matters under dispute/ negotiation are accounted during the year b) In respect of employees who have opted for Provident Fund scheme, matching contribution as applicable is made by the others who have opted for pension scheme, contribution to Pension Fund is made based on actuarial valuation, as per Accounting c) Contribution to Gratuity Fund is made based on actuarial valuation, as per Accounting d) Liability towards leave encashment, privilege leave and sick leave is provided based on actuarial valuation, as per Accounting Details are as under: Long term employee benefits: Long term employee benefits (benefits which are payable after the end of twelve months from the end of the period in which employees render service), and post employment benefits (benefits which are payable after completion of employment), are measured on a discounted basis by the Projected Unit Credit Method, on the The bank provides for the following long term employee benefits as per actuarial valuation: 1. Leave encashment: The Bank provides for liability accruing on account of deferred entitlement towards leave encashment in the year in which the employees concerned render their services based on third party actuarial valuation obtained as of each year 2. Sick Leave: Provision for sick leave is non- 306

313 3. Pension: The Bank provides for liability accruing on account of the employees who have opted for pension based on the actuarial valuation obtained as of each year 4. Gratuity: The Bank provides for gratuity liability based on the actuarial valuation obtained as of each year end balance sheet The pension and gratuity contributions are 11) PROVISION FOR TAXATION Tax expenses comprise current and deferred amount expected to be paid to the tax authorities in accordance with the provisions of Income Tax current year timing differences between taxable income and accounting income for the year and Deferred tax is measured based on the tax rates and the tax laws enacted or substantively enacted 12) IMPAIRMENTS The carrying amounts of assets are reviewed at each Balance Sheet date for any indication An impairment loss is recognized whenever the carrying amount of an asset exceeds its estimated 13) SEGMENT REPORTING: In accordance with the guidelines issued by RBI, Bank has adopted Segment Reporting as under: Treasury includes all investment portfolio, profit/ loss on sale of investments, profit/ loss on foreign exchange transactions, equities, income from derivatives and this segment consist of interest expenses on funds borrowed from external sources as well as internal sources and depreciation / amortisation of premium on Held to Maturity Corporate/ Wholesale Banking includes lending and deposits from corporate customers and identified earnings and Retail Banking includes lending and deposits from retail customers and identified Other Banking Operations includes all other operations not covered under 14) EARNINGS PER SHARE: Earnings per share are calculated by dividing the net profit or loss for the period attributable to equity shareholders (after deducting preference dividend and attributable taxes thereto) by the weighted average number of equity shares per equity share have been computed using the weighted average number of equity shares and dilutive potential equity shares outstanding as at 15) CONTINGENT LIABILITIES AND PROVISIONS: an obligation as a result of past event if it is probable that an outflow of resources will be required to settle the obligation, in respect of which a reliable estimate can to their present value and are determined based on best estimate required to settle These are reviewed at each balance sheet date and adjusted to reflect the current best others which were pending for settlement on the balance sheet date are shown as off balance sheet items under contingent 16) CASH FLOW STATEMENT Cash and cash equivalents in the cash flow statement comprise cash and balances with RBI and balances with banks and money at call and 17) The Bank has followed the same accounting 307

314 SCHEDULE 18 : NOTES ON ACCOUNTS accounts, suspense accounts, GST, branch adjustment accounts, clearing transactions, funds transfers, balances pertaining to dividends / interest / refund orders paid / payable accounts, advances paid for `` `` rd 2015, Ministry of Company Affairs (MCA) has advised that provisions related to Corporate Social Responsibility ` 10 each at a premium of `` ` 10 each at a premium of `` ` are allowed for issuance of Priority Sector Lending Certificates (PSLCs) and trade their Priority sector Category) amounting to ` (I) Capital : Sl. No. Particulars Basel II Basel III* Basel III*

315 Sl. No. Particulars Basel II Basel III* Basel II 2.57 Basel III 2.19 * Basel III Common Equity Tier I, Tier I and CRAR ratios include Capital Conservation Buffer (CCB) Basel III Sl. Particulars No. i) ii) iii) 2.19 iv) v) Percentage of the shareholding of Government of India in the bank vi) Amount of Equity Capital raised including share premium (` In Crore) vii) ` in Crore of Additional Tier 1 Capital raised of which: Amount of Tier 2 capital raised of which: ` In Crore): [Perpetual Cumulative Preference Shares (PCPS)/ Redeemable Non-Cumulative Preference Shares (RNCPS)/ Redeemable Cumulative Preference Shares (RCPS)] (II) Investments : (i) Particulars of Investments Sl. No. (` in Crore) Particulars Value of Investments** Gross value of investments In India

316 (` in Crore) Sl. No. Particulars Outside India Nil Nil In India Outside India Nil Nil Net value of investments In India Outside India Nil Nil Movement of provisions held towards depreciation on investments Opening balance Add: i) Provision made during the year ii) Diminution on shifting of - - investments Closing balance Gross value of investments includes securities pledged with RBI under LAF Repo of ` (PY `` Nil (PY ` Nil) and securities pledged with other market participants under Non-Standard Repo of ``` Nil (PY ` Nil) *Includes provision of `` (ii) The particulars of repo transactions (including those from RBI under LAF Repo) are as under: (` in Crore) Particulars Outstanding during the year As on Minimum Maximum Daily average Securities sold under Repos: ) Corporate debt securities Nil Nil Nil Nil Securities purchased under Reverse Repos: ) Corporate debt securities Nil Nil Nil Nil 310

317 (` in Crore) Particulars Outstanding during the year As on Minimum Maximum Daily average Securities sold under Repos: 2) Corporate debt securities Nil Nil Nil Nil Securities purchased under Reverse Repos: 2) Corporate debt securities Nil Nil Nil Nil (iii) Non-SLR Investment Portfolio Issuer composition of Non-SLR Investments Sl. No. Issuer Amount Extent of Private Placement Extent of Below Investment Grade Securities Extent of Unrated Securities (` in Crore) Extent of Unlisted Securities (1) (2) (3) (4) (5) (6) (7) (i) PSUs (ii) FIs** (iii) Banks (iv) Private Corporate (v) Subsidiaries/ Joint Ventures (vi) Other (vii) Provision held towards depreciation and NPI XXX XXX XXX XXX Total * Note: (1) *Total under column 3 should tally with the total of Investments included under the following categories in Schedule 8 to the balance sheet: a) Shares b) Debentures & Bonds c) Subsidiaries/joint ventures d) Others (3) The column (6) Unrated Securities mainly include Special State Government securities of `` 1,277 Crore, 311

318 Equity Shares of ``` Security Receipt of `` ** Excludes the investment under RIDF of ` a) Non performing Non-SLR investments (` in Crore) Particulars Opening balance Additions during the year Reductions during the above period 0.23 Closing balance Total provisions held b) Movement in provision for Non Performing Investments (` in Crore) Particulars Opening balance Add: Provision made during the year Closing balance (iv) Sale and Transfer to/from HTM category (` in Crore) Sl. Particulars Amount No. 1 Market Value 2 Book Value 3 Excess of book value over market value for which provision is not made (v) Derivatives a) Forward Rate Agreement / Interest Rate Swap (` in Crore) Particulars The notional principal of swap agreements Losses which would be incurred if counterparties failed to fulfil their obligations under the agreements NIL NIL NIL 312

319 (` in Crore) Particulars Collateral required by the bank upon entering into swaps Concentration of credit risk arising from the swaps No collateral are required as the counterparties are Banks The swaps undertaken are within interbank limits is no concentration of credit risk arising from IRS undertaken during the year The fair value of the swap book NIL NIL NIL b) Exchange Traded Interest Rate Derivatives Sl. No. (i) (ii) (iii) (iv) (` in Crore) Particulars Notional principal amount of exchange traded interest rate derivatives undertaken during the year (instrument wise) Notional principal amount of exchange traded interest rate derivatives outstanding as on 31 st March 2018 (instrument-wise) Notional principal amount of exchange traded interest rate derivatives outstanding and not highly effective (instrument-wise) Mark-to-Market value of exchange traded interest rate derivatives outstanding and not highly effective (instrument wise) NIL NIL NIL NIL NIL NIL NIL NIL (vi) to spread provisioning for Mark to Market Losses (MTM Loss) on investments for the quarters ended December 31, 2017 and March 31, 2018, equally over the four quarters commencing with (vii) Disclosures on risk exposure in derivatives a) Qualitative Disclosure Bank has put in place Board approved derivative policy for undertaking derivative transactions The policy lays down the type, scope and usage with appropriate limits for derivative desk is segregated into Front Office, Mid Office and Back office with clear segregation of 313

320 b) Quantitative Disclosures Sl. No. (i) (` in Crore) Particulars Currency Derivatives Interest Rate Derivatives Derivatives (Notional Principal Amount) NIL NIL NIL a) For Hedging NIL NIL 0.00 NIL b) For Trading NIL NIL NIL (ii) Marked to Market Positions(1) NIL NIL 0.00 NIL a) Asset(+) NIL NIL 0.00 NIL b) Liability(-) NIL NIL 0.28 NIL (iii) Credit Exposure(2) NIL NIL 1.05 NIL (iv) (v) (III) Asset Quality a. Non-Performing Asset Likely impact of one percentage change in interest rate (100*PV01) NIL NIL 3.86 NIL a) On hedging derivatives NIL NIL 0.00 NIL b) On trading derivatives NIL NIL 3.86 NIL Maximum and Minimum of 100*PV01 observed during the year NIL NIL 0.00 NIL Maximum NIL NIL 0.00 NIL Minimum NIL NIL 0.00 NIL Maximum NIL NIL 4.92 NIL Minimum NIL NIL 0.41 NIL (` in Crore) Particulars (ii) Movement of NPAs (Gross) Opening balance Additions during the year Reductions during the year Closing balance (iii) Movement of NPAs (Net) Opening balance Additions /( reductions) during the year Closing balance

321 (` in Crore) Particulars (iv) Movement of provisions for NPAs* Opening balance Provisions made during the year Closing balance (*excluding provisions on standard assets and including floating provision) b. Divergence in Asset Classification and Provisioning for NPAs (` in 000) Sl. Particulars Amount No Divergence in Gross NPAs (2-1) Divergence in Net NPA (5-4) Divergence in Provisioning (8-7) Adjusted (notional) Net Profit after Tax (PAT) for the year ended c. Details of Loan Assets subjected to Restructuring (` in Crore) Particulars Total amount of loan assets subjected to restructuring, re-scheduling, re-negotiation Of which under CDR The amount of Standard assets subjected to restructuring, re-scheduling, re-negotiation Of which under CDR The amount of sub-standard assets subjected to restructuring, rescheduling, renegotiation Of which under CDR 0.00 The amount of doubtful assets subjected to restructuring, rescheduling, renegotiation Of which under CDR 0.00 Note: (a = b + c + d) 315

322 Debt restructuring for MSME accounts Total amount of assets of MSMEs subjected to restructuring (b+c+d) Amount of standard assets of MSMEs subjected to restructuring Amount of sub-standard assets of MSMEs subjected to restructuring Amount of doubtful assets of MSMEs subjected to restructuring d. Disclosure on the Scheme for Sustainable Structuring of Stressed Assets(S4A) No. of accounts where S4A has been applied Classified as Standard (1 accounts) Classified as NPA (1 accounts) Aggregate amount Amount Outstanding outstanding FB NFB In Part A* In Part B Provision held (` in Crore) ` (Investment: ` requirement, Standard Assets Provision: ` ` (Investment: ` NPA Provision: ` *Including Non fund based e. Disclosure on Flexible Structuring of Existing Loans Period No. of Borrowers taken up for flexibly structuring Amount of loans taken up for flexible structuring Classified as Standard Classified as NPA (` in Crore) Exposure weighted average duration of loans taken up for flexible structuring Before applying flexible structuring After applying flexible structuring

323 f. Disclosure on Strategic Debt Restructuring Scheme (accounts which are currently under the stand-still period) No. of accounts where SDR has been invoked Amount outstanding as on the reporting date Classified as Standard Classified as NPA Amount outstanding as on the reporting date with respect to accounts where conversion of debt to equity is pending Classified as Standard NIL Classified as NPA (` in Crore) Amount outstanding as on the reporting date with respect to accounts where conversion of debt to equity has taken place Classified as Standard Classified as NPA g. Disclosures on Change in Ownership outside SDR Scheme (accounts which are currently under the stand-still period) No. of accounts where banks have decided to effect change in ownership Amount outstanding as on the reporting date Classified as Standard Classified as NPA Amount outstanding as on the reporting date with respect to accounts where conversion of debt to equity/invocation of pledge of equity shares is pending Classified as Standard Classified as NPA Amount outstanding as on the reporting date with respect to accounts where conversion of debt to equity/invocation of pledge of equity shares has taken place Classified as Standard Classified as NPA (` in Crore) Amount outstanding as on the reporting date with respect to accounts where change in ownership is envisaged by issuance of fresh shares or sale of promoters equity Classified as Standard Classified as NPA NIL h. Disclosures on Change in Ownership of Projects Under Implementation (accounts which are currently under the stand-still period) No. of project loan accounts where banks have decided to effect change in ownership Classified as Standard Amount outstanding as on the reporting date NIL Classified as standard restructured (` in Crore) Classified as NPA 317

324 i. Particulars of Standard Restructured Accounts attracting higher restructuring provision: Disclosure of Restructured Accounts as at March 2018* (` in crores) Sl. No. Type of Restructuring Under CDR Mechanism Under SME Debt Restructuring Mechanism Others Total Asset Classification Standard Substandard Doubtful Loss Total Standard Substandard Doubtful Loss Total Standard Substandard Doubtful Loss Total Standard Substandard Doubtful Loss Total Details 1 Restructured Accounts as on April 1, 2017* No. of borrowers Amount outstanding 0 Provision thereon Fresh restructuring during the FY No. of borrowers Amount outstanding Provision thereon Up gradations to restructured standard category during the FY No. of borrowers Amount outstanding Provision thereon Restructured standard advances which cease to attract higher provisioning and/or additional risk weight at the end of the FY 2018 and hence need not be shown as restructured standard advances at the beginning of the next FY (accounts restructured before 31st March,2016) No. of borrowers Amount outstanding Provision thereon Down gradations of restructured accounts during the FY No. of borrowers Amount outstanding Provision thereon Write-offs of restructured accounts during the FY No. of borrowers Amount outstanding Restructured Accounts as on March 31 of FY 2018* No. of borrowers Amount outstanding Provision thereon *Excluding the figures of Standard Restructured Advances which have completed two years from the date of restructure or two years 318

325 j. Details of Assets sold to Securitisation Company (SC) / Reconstruction Company (RC), for Assets Reconstruction (` in Crore) Sl. Particulars No. 1 Number of accounts NIL NIL 2 Aggregate Value (net of provisions) of accounts NIL NIL sold to SC/ RC 3 Aggregate consideration NIL NIL 4 Additional consideration realised in respect of NIL NIL accounts transferred in earlier years 5 Aggregate gain / loss over net book value NIL NIL k. Sale of Financial Assets to Securitisation Company/Reconstruction Company Table (i) Sl. Particulars No. 1 Book value of SRs backed by NPAs sold by the bank as underlying SRs issued within past 5 years SRs issued more than 5 years ago but within past 8 years (` in Crore) SRs issued more than 8 years ago NIL Provision held against (1) NIL 2 Book value of SRs backed by NPAs sold by other banks/ financial institutions/nonbanking financial companies as underlying NIL NIL NIL Provision held against (2) NIL NIL NIL Total (1+2) NIL Table (ii) Sl. Particulars No. 1 Book value of SRs backed by standard assets sold by the bank as underlying SRs issued within past 5 years SRs issued more than 5 years ago but within past 8 years (` in Crore) SRs issued more than 8 years ago NIL NIL Provision held against (1) NIL NIL 2 Book value of SRs backed by standard assets sold by other banks/financial institutions/ non-banking financial companies as underlying NIL NIL NIL Provision held against (2) NIL NIL NIL Total (1+2) NIL NIL 319

326 l. Credit Default Swaps : NIL m. Details of non-performing financial assets purchased/sold i. Details of non-performing financial assets purchased ii. (` in Crore) Particulars NIL NIL year (b) Aggregate outstanding NIL NIL 2 (a) Of these, number of accounts NIL NIL restructured during the year (b) Aggregate outstanding NIL NIL Details of non-performing financial assets sold (` in Crore) Particulars NIL NIL Aggregate outstanding NIL NIL Aggregate consideration received NIL NIL n. Provision on Standard Asset (` in Crore) Particulars Provisions towards Standard Assets TOTAL o. Business Ratios p. Particulars % 0.98% 1.89% Return on Average Assets 0.44% Average Business [Deposits + Advances] per employee (` in Crore) Net profit per employee 0.05 under Insolvency and Bankruptcy code (IBC), bank has fully provided the additional provision of ` 320

327 q. In respect of advances under IBC, provision has been done considering the value of security as per available records in view of uncertainty involved in fair value which will be decided on r. th February 2018, has the bank has classified the specific restructured accounts as non performing and accordingly made provision towards such stressed accounts of ` s. In view of fraud detected during the year in certain banks, in respect of a Gems and Jewellery borrower Group, the Bank has classified certain accounts as non-performing and made an additional provision of ` (IV) Asset Liability Management : Maturity pattern of certain items of assets and liabilities: 1 day 2-7 days 8-14 days days 31 days and upto 2 months More than 2 months and upto 3 months Over 3 months to 6 months Over 6 months to 12 months Over 1 year to 3 years Over 3 years to 5 years (` in Crore) Over 5 Total years Deposits Advances* Investments* Borrowings** Foreign Currency Assets Foreign Currency Liabilities Assets and Liabilities are classified as per the guidelines issued by the Reserve Bank of India and (V) Lending to Sensitive Sectors a) Exposure to Real Estate Sector f (` in Crore) Particulars ) Direct exposure (i) Lendings fully secured by mortgages on residential property that is or will be occupied by the borrower or that is rented (ii) Individual housing loans eligible for inclusion in priority sector advances (included in the above)

328 (` in Crore) Particulars Lendings secured by mortgages on commercial real estates (office buildings, retail space, multi-purpose commercial premises, multi-family residential buildings, multi-tenanted commercial premises, industrial or warehouse space, hotels, land acquisition, development and construction, (MBS) and other securitised exposures - i) Residential -- ii) Commercial Real Estate ) Indirect Exposure Fund based and non-fund based exposures on National Housing Bank (NHB) and Housing Finance Companies (HFCs) * Total exposure to real estate sector *Including indirect investment exposure of ` b) Exposure to Capital Market Sl. No. (I) (II) (III) (` in Crore) Particulars Direct investment in equity shares, convertible bonds, convertible debentures and units of equity oriented mutual funds the corpus of which Advances against shares/bonds/debentures or other securities or on clean basis to individuals for investment in shares (including IPOs/ESOPs), convertible bonds, convertible debentures, and Advances for any other purpose where shares or convertible bonds or convertible debentures or units of equity oriented mutual funds are taken NIL NIL NIL NIL 322

329 Sl. No. (IV) 323 (` in Crore) Particulars Advances for any other purpose to the extent secured by the collateral security of shares or convertible bonds or convertible debentures where the primary security other than shares/ convertible bonds/convertible debentures/units of equity oriented mutual funds does not fully (V) Secured and unsecured advances to stockbrokers and guarantees issued on behalf of (VI) Loans sanctioned to corporates against the security of shares/bonds/debentures or other securities or on clean basis for meeting (VII) (VIII) Bridge loans to companies against expected Underwriting commitments taken up by the banks in respect of primary issue of shares or convertible bonds or convertible debentures or NIL NIL (IX) NIL NIL (X) All exposures to Venture Capital Funds (both registered and unregistered) Total exposure to capital market (VI) Disclosure for investments under SDR :- from regulatory ceilings/restrictions on Capital Market Exposures, investment in Para-Banking activities Name of Company Shares allotted Allotment price/ share in ` NIL NIL NIL Book value ` in Cr LancoTeesta Hydro Power Limited 4,00,00,000 Monnet Ispat and Energy Limited 20,00,000 Bellona Estate Developers Limited 36,140 Athena Chhattisgarh Power Limited 5,86,57,727 ETCO Denim Private Limited 79,23,749 GTL Infrastructure Limited 1,57,86,048 Total NIL NIL NIL

330 (VII) Risk Category-wise Country Exposure: Risk Category Exposure (net) as at Provision held as at Exposure (net) as at (` in Crore) Provision held as at Insignificant NIL NIL Low NIL NIL Moderate NIL NIL High NIL NIL Very High NIL NIL Restricted NIL NIL Off credit NIL NIL Total NIL NIL The net funded exposure of the Bank in respect of foreign exchange transactions with each country (VIII) Details of Credit Exposures where the Bank had exceeded the Prudential Exposure during the year : Sl. No. Name of the Borrower irrigation Project Corporation limited NIL NA Exposure Ceiling (individual exposure of capital fund of applicable for Infrastructure) Limit sanctioned Period during which limit exceeds Not applicable under drawdown (IX) Concentration of Deposits, Advances, Exposures and NPAs a) Concentration of Deposits Amt. outstanding during the period limit exceeded Not applicable under drawdownoutstanding within prudential exposure ceiling Board Sanction details Sanctioned vide MCB CD:MC:Cir-01/2018 approved by Board vide agenda (` in Crore) Position on (` in Crore) Particulars Total Deposits of twenty largest depositors Percentage of Deposits of twenty largest depositors to Total Deposits of the bank 24.28% 324

331 b) Concentration of Advances (` in Crore) Particulars Total Advances of twenty largest borrowers Percentage of Advances to twenty largest borrowers to Total Advances of the bank 20.71% c) Concentration of Exposures - (` in Crore) Particulars Total Exposure of twenty largest borrowers/customers Percentage of Exposures of twenty largest borrowers to aggregate exposure under fund based, non-fund based investment and derivative exposure Total Exposure of the bank on borrowers/customers 20.16% d) Concentration of Exposures - (` in Crore) Particulars Total Exposure of twenty largest groups Percentage of Exposures of twenty largest borrowers to aggregate exposure under fund based, non-fund based investment and derivative exposure Total Exposure of the bank on borrowers/customers 13.17% e) Concentration of NPAs - (` in Crore) Particulars Total Exposure of top four NPA accounts (X) Sector-Wise advances (Gross) - Sl. No. Sector A Priority Sector 1 Agriculture and allied activities Outstanding Total Advances Gross NPAs Percentage of Gross NPAs to Total Advances in that sector Outstanding Total Advances Gross NPAs (` in Crore) Percentage of Gross NPAs to Total Advances in that sector

332 Sl. No. Sector Advances to industries sector eligible as priority sector lending Outstanding Total Advances Gross NPAs Percentage of Gross NPAs to Total Advances in that sector Outstanding Total Advances Gross NPAs (` in Crore) Percentage of Gross NPAs to Total Advances in that sector Services Personal Loans Sub-total (A) B Non-Priority Sector 1 Agriculture and Nil Nil Nil Nil Nil Nil allied activities 2 Advances to Industries Sector 3 Services Personal Loans Sub-total (B) Total (A+B) (XI) Movement of NPAs (` in Crore) Particulars Gross NPAs as on 01 st April 2017 (Opening Balance) Additions (Fresh NPAs) during the year Sub-total (A) Less:- (i) Up gradations (ii) Recoveries (excluding recoveries made from upgraded accounts) Sub-total (B) Gross NPAs as on 31st March 2018 (A-B)

333 (XII) Technical write off and recoveries made thereon: (` in Crore) Particulars Opening balance of technical/prudential write-off accounts Add: Technical/Prudential write off during the year Sub Total Less: Recoveries made from previously technical/prudential written off accounts during the year Closing balance (XIII) Overseas Assets, NPAs and Revenue : NIL (XIV) Off-balance Sheet SPVs sponsored (which are required to be consolidated as per accounting norms) Name of the SPV sponsored Domestic Overseas NIL NIL (XV) Unsecured advances: The Bank has no unsecured advances wherein intangible securities have been (XVI) Fees / remuneration from insurance business during : (` in Crore) Sl. Nature of Income No. 1 For selling life insurance policies For selling non-life insurance policies For selling mutual fund products NIL NIL 4 Others (Specify) NIL NIL 11. Disclosure requirements as per Accounting Standards notified by the Ministry of Corporate Affairs under section 133 of Companies Act 2013 read rule 7 of Companies (Act) Rules 2014 where RBI has issued guidelines: ii) As per the past practice, the bank does not provide details for the gross amount of each class of the management is of the view that since the amount involved is not material, it does not require any iv) The Bank is revaluing foreign currency transactions consistently at the weekly average rate of the last week of the preceding month, prescribed by FEDAI, instead of the rate at the date of the transaction as 327

334 v) The following information is disclosed under AS-15 - Employee benefits :- (` in Crore) Sl. Particulars Pension Pension Pension Pension Pension No I. Principal Actuarial Assumptions Discount Rate 7.64% Salary escalation rate 5.50% Attrition rate 1.00% Expected rate of return on Plan Assets 8.17% II. Changes in the Present Value of the Obligation (PVO) PVO as at the beginning of the period Interest Cost Current Service Cost Benefits Paid Actuarial (gain) / loss on obligation (balancing figure) PVO as at the end of the period III. Changes in the Fair Value of Plan Assets Fair Value of Plan Assets as at the beginning of the period Expected return on Plan Assets Contributions Benefits Paid Actuarial gain / (loss) on Plan Assets Fair Value of Plan Assets as at the end of the period IV. Actual Return on Plan Assets Expected return on Plan Assets Actuarial gain / (loss) on Plan Assets Actual return on Plan Assets V. Actuarial gain / (loss) recognised Actuarial gain / (loss) for the period Obligation Actuarial gain / (loss) for the period Plan Assets Total gain / (loss) for the period Actuarial gain / (loss) recognised in the period

335 Sl. No. VI. (` in Crore) Particulars Pension Pension Pension Pension Pension Amounts recognised in the Balance Sheet and related analysis Present Value of the obligation Fair Value of Plan Assets Funded Status [Surplus/(Deficit)] Amount recognised in the Balance Sheet VII. Expenses recognised in the Statement of Profit and Loss Current Service Cost Interest Cost Expected return on Plan Assets Net Actuarial (gain) / loss recognised in the year Expenses recognised in the statement of Profit and Loss VIII. Movements in the liability recognised in the Balance Sheet Opening net liability Expense as above Contribution Paid Closing Net Liability (183.89) IX. Amount for the Current Period Present Value of obligation Plan Assets Surplus / (Deficit) (183.89) Experience adjustments on Plan (355.34) Liabilities gain / (loss) Experience adjustments on Plan Assets gain / (loss)

336 (` in Crore) Sl. Particulars Gratuity Gratuity Gratuity Gratuity Gratuity No I. Principal Actuarial Assumptions Discount Rate 7.71% Salary escalation rate 5.50% Attrition rate 1.00% Expected rate of return on Plan Assets 8.42% II. Changes in the Present Value of the Obligation (PVO) PVO as at the beginning of the period Interest Cost Service Cost* Benefits Paid Actuarial (gain) / loss on obligation 6.86 (balancing figure) PVO as at the end of the period III. Changes in the Fair Value of Plan Assets Fair Value of Plan Assets as at the beginning of the period Expected return on Plan Assets Contributions Benefits Paid Actuarial gain / (loss) on Plan Assets (5.23) Fair Value of Plan Assets as at the end of the period IV. Actual Return on Plan Assets Expected return on Plan Assets Actuarial gain / (loss) on Plan Assets (5.23) Actual return on Plan Assets V. Actuarial gain / (loss) recognised Actuarial gain / (loss) for the period (6.86) Obligation Actuarial gain / (loss) for the period (5.23) Plan Assets Total gain / (loss) for the period (12.09) Actuarial gain / (loss) recognised in the period (6.86) 330

337 Sl. No. VI. (` in Crore) Particulars Gratuity Gratuity Gratuity Gratuity Gratuity Amounts recognised in the Balance Sheet and related analysis Present Value of the obligation Fair Value of Plan Assets Funded Status [Surplus/(Deficit)] (65.50) Amount recognised in the Balance (65.50) Sheet VII. Expenses recognised in the Statement of Profit and Loss Current Service Cost Interest Cost Expected return on Plan Assets Net Actuarial (gain) / loss recognised in the year Expenses recognised in the statement of Profit and Loss VIII. Movements in the liability recognised in the Balance Sheet Opening net liability (7.54) Expense as above Contribution Paid (36.00) - Closing Net Liability IX. Amount for the Current Period Present Value of obligation Plan Assets Surplus / (Deficit) (65.50) Experience adjustments on Plan (6.86) Liabilities gain / (loss) Experience adjustments on Plan Assets (5.23) gain / (loss) *includes part service cost of ` Actuarial assumptions relating to provisions for compensated absence are given below : Mortality :- LICI Formula :- projected unit credit method 331

338 vi) Details of Provisions as per AS-15 made for various Long Term Employee Benefits during the year are as follows: (` in Crore) Sl. Other Long Term Benefits No. Pension Gratuity Leave Encashment* 4.29 Sick Leave 0.51 * Note: Actual expenditure of `` vii) In view of fraud detected during the year in certain banks, in respect of Two Gems and Jewellery borrower Group, the Bank has classified those accounts as non-performing assets and made necessary viii) Segment Reporting (AS-17) Treasury Corporate/ Wholesale Banking Retail Banking Other Banking Operations (` in Crore) Revenue Result Unallocated Expenses Profit Before Taxes Provision for Taxes Extraordinary Profit/Loss Nil Nil Net Profit OTHER INFORMATION Segment Assets Unallocated Assets Total Assets Segment Liabilities Unallocated Liabilities Total Liabilities # For the purpose of segment reporting in terms of AS-17 and as prescribed in RBI guidelines, the # Since the Bank does not have any Overseas Branch, reporting under geographic segment is not # Expenses wherever directly related to segments have been accordingly allocated to segments and Total 332

339 # Assets/liabilities wherever directly related to segments have been accordingly allocated to segments and wherever not directly related have been allocated on the basis of segment revenue/segments ix) The Bank has identified the following as related party as per AS-18 on Related Party Disclosures a) Key Management Personnel : The transactions with Related Parties during the year are as under: a) i) Remuneration paid to Key Management Personnel during the year ` ` ` ` ` ii) Previous year figures ( ) ` ` ` b) There has been no transaction with the relatives of the Key Management Personnel during the c) Associates: NIL x) Leases (AS -19) a) Lease rent paid for operating leases are recognized as an expense in the Profit & Loss Account in b) Future Lease Rent Payable for operating lease : (` in Crore) Particulars Not Later than 1 year Later than 1 year but not Later than 5 years Later than 5 years Total Amount Charged to P&L

340 d) At the expiry of initial lease term, generally the Bank has an option to extend the lease for a further xi) Earning Per Share (AS-20) The Bank reports basic earnings per equity share in accordance with Accounting Standard 20 on Calculation of Basic EPS/ Diluted Net Profit after tax available for equity share holders (` in Crore) (Numbers in Crore) Number of shares at beginning: *365/365 Addition as on 05/09/2017: *208/365 Addition as on 27/03/2018 : *5/ Basic EPS/ Diluted (in rupees) 6.83 Nominal Value per share (in rupees) (xii) Accounting for Taxes on Income (AS-22) The Bank has accounted for Taxes on Income in compliance with Accounting Standard 22 - Accounting a) The components of deferred tax are as under: (` in Crore) Timing Difference Deferred Tax Asset Deferred tax liability Nil Nil encashment 0.55 Nil Nil Assets NIL Nil Nil Nil NIL Nil Nil Nil Nil Advances NIL Nil (viii) of IT Act Nil Nil Total In view of the application of ICDS (Income Computation and Disclosure Standards) from the year , provisions of AS 22 in respect of DTL on Investments under HTM category are not 334

341 b) During the financial year , the Bank has recognised DTA in respect of provision made in c) Amount of provisions made for Income Tax during the year: (` in Crore) Particulars Provision for Income Tax Provision for Deferred Tax (268.55) (xiii) In the opinion of the Management, there is no material impairment of any of the Fixed Assets of the 12. Additional disclosures (i) Break up of provisions and contingencies (` in Crore) Break up of Provisions and contingencies shown under the head Expenditure in Profit and Loss A/c Provision for depreciation on investment Provisions towards NPA Provisions towards Standard Assets (68.32) Provisions made towards Income Tax (net): i) Current Tax ii) Deferred Tax (268.55) Other Provision and Contingencies : i) Provision for Contingencies ii) Others iii) Excess Provision written back (52.18) Total (ii) Floating Provisions (` in Crore) Particulars (a) Opening balance (b) Floating provisions made during the year Nil Nil (c) Amount withdrawn during the year Nil Nil (d) Closing balance

342 (iii) Disclosure of Customer Complaints a) Customer Complaint Sl. No. (a) Particulars year (b) (c) (d) 40* 39 *Since redressed b) Complaint details related to ATM transactions Sl. No. Particulars c) Awards passed by the Bank s ombudsman Sl. No. (a) Particulars of the year (b) 1 12 during the year (c) 1 12 (d) year d) During the current financial year RBI has levied penalty of `` (iv) During the year the Bank had issued 453 Letters of Undertaking (LoU) amounting to issued after due assessment of its financial impact on the Bank and with the approval of the competent (approximately ` ` (v) Provision coverage ratio (PCR): Nil Nil Nil Nil 336

343 13. Intra Group Exposure: - a) Total Amount of Intra group Exposures: NIL b) Total amount of top-20 intra group exposures: NIL c) Percentage of intra group exposures to total exposure of the bank on borrowers/customers: NIL d) Details of breach of limits on intra-group exposures and regulatory action thereon, if any: NIL 14. Transfers to Depositor Education and awareness Fund (DEAF): - (` in Crore) Particulars Opening balance of amounts transferred to DEAF Add: Amounts transferred to DEAF during the year Less: Amounts reimbursed by DEAF towards claims 1.53 Closing balance of amounts transferred to DEAF Un hedged Foreign Currency Exposure: (To the extent bank has been able to ascertain from borrowers and as certified by bank and relied upon by auditors) ` Regulatory requirement for incremental capital: ` 16 (a) Liquid Coverage Ratio: (` in Crore) LCR Disclosure Template Total Unweighted Total Weighted Value (average) Value (average) High Quality Liquid Assets 1 Total High Quality Liquid Assets (HQLA) Cash Outflows 2 Retail deposits and deposits from small business customers, of which: (i) Stable deposits (ii) Less stable deposits 3 Unsecured wholesale funding, of which: (i) Operational deposits (all counterparties) (ii) Non-operational deposits (all counterparties) (iii) Unsecured debt 4 Secured wholesale funding 337

344 (` in Crore) LCR Disclosure Template Total Unweighted Total Weighted Value (average) Value (average) 5 Additional requirements, of which (i) Outflows related to derivative exposures and other collateral requirements (ii) Outflows related to loss of funding on debt products (iii) Credit and liquidity facilities 6 Other contractual funding obligations 7 Other contingent funding obligations 8 TOTAL CASH OUTFLOWS Inflows from fully performing exposures 11 Other cash inflows 12 TOTAL CASH INFLOWS TOTAL ADJUSTED VALUE 13 TOTAL HQLA 14 TOTAL NET CASH OUTFLOWS 15 LIQUIDITY COVERAGE RATIO (%) % 16 (b) Qualitative disclosures around LCR: (a) The main drivers of their LCR results and the evolution of the contribution of inputs to the LCR s calculation over time: The main drivers of the LCR is HQLA, the involvement of healthy HQLA not only improve the LCR percentage but also increase the ability of the bank to meet the liquidity requirement upto 30 (b) Intra-period changes as well as changes over time: Not Applicable (c) The composition of HQLA: Level 1 Asset includes: conditions:- 338

345 (b) Traded in large, deep and active repo or cash markets characterized by a low level of concentration and proven record as a reliable source of liquidity in the markets (repo or Level 2 assets (comprising Level 2A assets and Level 2B assets) can be included in the stock of liquid Level 2A and Level 2B assets would comprise of the following: Level 2A Assets includes: 1) Marketable securities representing claims on or claims guaranteed by sovereigns, Public Sector Basel II Standardised Approach for credit risk and provided that they are not issued by a bank/ 2) Corporate bonds, not issued by a bank/financial institution/nbfc or any of its affiliated entities, 3) Commercial Papers not issued by a bank / Primary dealers (PD)/financial institution or any of its affiliated entities, which have a short-term rating equivalent to the long-term rating of AA- or above Level 2B Assets includes: a) not issued by a bank/financial institution/nbfc or any of its affiliated entities; (d) Concentration of funding sources: (e) Derivative exposures and potential collateral calls: Not Applicable (f) Currency mismatch in the LCR: Not Applicable (g) A description of the degree of centralization of liquidity management and interaction between the group s units and The Fund Management desk in Treasury Management Department (TMD) is centralized liquidity 339

346 (h) Other inflows and outflows in the LCR calculation that are not captured in the LCR common template but which the institution considers to be relevant for its liquidity profile. Not Applicable 17. to Provisions for frauds is as follows:- Sl. Particulars Amt in Crores No Amount involved in such frauds 3 Quantum of Provisions during the year (net of recoveries) 4 Quantum of unamortized Provision debited to other reserves Nil Bank is not having adequate information in respect of Suppliers/Service providers covered under Micro, GOPALAKRISHNAN NARAYANAN R. A. SANKARA NARAYANAN NAGESWARA RAO.Y MURALI RAMASWAMI Chairman Managing Director & CEO Executive Director Executive Director N. SRINIVAS RAO G. P. BORAH VIVEK SONI M. BHAGAVANTHA RAO Director Director Director Director V. V. R. SASTRY S. RAGHUNATH RAJAN DOGRA RAGHVENDER GUPTA Director Director Director Director RAMESH KUMAR MIGLANI General Manager AS PER OUR REPORT OF EVEN DATE For M/s JAGANNATHAN & SARABESWARAN For M/s SHIV JINDAL & CO. Chartered Accountants Chartered Accountants Registration No: S Registration No: N N. RANGAN VIKRAM JINDAL Partner Partner Membership No: Membership No: For M/s O. P. BAGLA & CO. LLP For M/s PRICE PATT & CO. (Formerly M/s O P Bagla & Co.) Chartered Accountants Chartered Accountants Registration No: 02783S Registration No: N/NYA RAKESH KUMAR M. NAGANATHAN Partner Partner Membership No: Membership No:07547 Place : Bengaluru 340

347 STATEMENT OF CASH FLOW FOR THE YEAR ENDED [Indirect Method] Particulars For the year ended [` 000 s omitted] For the year ended CASH FLOW FROM OPERATING ACTIVITIES Net Profit after tax Provision for depreciation on Fixed Assets Profit on sale of Fixed Assets Current Deffered Tax Provision for income tax MAT Credit Entitlement 0 0 Provision in respect of NPA/restructured Advance Provision for Standard Assets Provision for Diminution in the value of Investments Payment/Provision for interest on Subordinate Bonds Provision for other Items Sub total: Adjustment for net change in operating assets and liabilities Decrease/(Increase) in Investment Decrease /( Increase ) in Advances Increase / ( Decrease) in Deposits Increase/ ( Decrease) in Borrowings Decrease/(Increase) in other Assets Increase/( Decrease) in other Liabilities & Provisions tax (paid)/ Refund Net Cash from operating Activities (A) CASH FLOW FROM INVESTING ACTIVITIES Fixed Assets (net) Net cash from investing activities (B) CASH FLOW FROM FINANCING ACTIVITIES Issue of Share Capital Share Application Money Share Premium Subordinate bonds issued Subordinate bonds redeemed Interest on subordinate bonds Prefrence dividend paid & tax paid thereon

348 Particulars For the year ended [` 000 s omitted] For the year ended Equity dividend & Tax paid thereon Interim dividend paid & tax paid thereon 0 0 Net cash from financing activities ( C) Net cash & cash Equivalents (A+B+C) Cash & Cash equivalents at the begning of the year Cash in Hand Balances with Reserve bank of India Balances with banks and money at call and short notice Cash & Cash equivalents at the end of the year Cash in Hand Balances with Reserve bank of India Balances with banks and money at call and short notice The above cash flow statement has been taken on record by the Board of Directors of the Bank at its meeting GOPALAKRISHNAN NARAYANAN R. A. SANKARA NARAYANAN NAGESWARA RAO.Y MURALI RAMASWAMI Chairman Managing Director & CEO Executive Director Executive Director N. SRINIVAS RAO G. P. BORAH VIVEK SONI M. BHAGAVANTHA RAO Director Director Director Director V. V. R. SASTRY S. RAGHUNATH RAJAN DOGRA RAGHVENDER GUPTA Director Director Director Director RAMESH KUMAR MIGLANI General Manager AS PER OUR REPORT OF EVEN DATE For M/s JAGANNATHAN & SARABESWARAN For M/s SHIV JINDAL & CO. Chartered Accountants Chartered Accountants Registration No: S Registration No: N N. RANGAN VIKRAM JINDAL Partner Partner Membership No: Membership No: For M/s O. P. BAGLA & CO. LLP For M/s PRICE PATT & CO. (Formerly M/s O P Bagla & Co.) Chartered Accountants Chartered Accountants Registration No: 02783S Registration No: N/NYA RAKESH KUMAR M. NAGANATHAN Partner Partner Membership No: Membership No:07547 Place : Bengaluru 342

349 INDEPENDENT AUDITORS REPORT To The President of India/ Members, Report On the Financial Statements comprise the Balance Sheet as at March 31, 2018, and the Profit and Loss Account and the cash flow statement for the year then ended, and a summary of significant accounting policies and other explanatory have been selected by the Bank in accordance with the guidelines issued to the Bank by the Reserve Bank Management s Responsibility for the Financial Statements and fair view of the financial position, financial performance and cash flows of the bank in accordance with the requirement of Reserve Bank of India, Provisions of the Banking Regulation Act 1949, Banking Companies (Acquisition and Transfer of Undertakings) Act 1980, recognized accounting practices including the design, implementation and maintenance of internal control relevant to the preparation of the financial Auditor s Responsibility our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of and fair presentation of the financial statements in order to design audit procedures that are appropriate the reasonableness of the accounting estimates made by management, as well as evaluating the overall Opinion explanations given to us: (i) the Balance Sheet, read with the significant accounting policies and notes thereon is a full and fair Balance Sheet containing all the necessary particulars and is properly drawn up so as to exhibit a true and fair view of state of affairs of the Bank as at 31st March 2018 in conformity with accounting principles generally accepted in India; 343

350 (ii) the Profit and Loss Account, read with the significant accounting policies and notes thereon shows a true balance of profit, in conformity with accounting principles generally accepted in India, for the year covered by the account; and Report on Other Legal and Regulatory Requirements Companies (Acquisition and Transfer of Undertakings) Act, 1980, and subject also to the limitations of disclosure required therein, we report that: (c) The returns received from the offices and branches of the Bank have been found adequate for the 9. We further report (a) that the balance sheet and profit and loss account dealt with by this report are in agreement with the (b) The reports on the accounts of the branches audited by other branch auditors of the bank under section 29 of the Banking Regulation Act, 1949 have been sent to us and have been properly dealt with (c) In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with the For M/s JAGANNATHAN & SARABESWARAN Chartered Accountants Registration No: S For M/s SHIV JINDAL & CO. Chartered Accountants Registration No: N [N. RANGAN] Partner Membership No: For M/s O P BAGLA & CO. LLP Chartered Accountants Registration No: N/NYA [VIKRAM JINDAL] Partner Membership No: For M/s PRICE PATT & CO. Chartered Accountants Registration No: 02783S Date: 07 th May 2018 Place: Bengaluru [RAKESH KUMAR] Partner Membership No: [M NAGANATHAN] Partner Membership No:

351 Qualitative Disclosures (a) BASEL DISCLOSURES DOCUMENT AS AT 31ST MARCH 2018 TABLE DF-1 on group entities disclosures is not applicable to the Bank. TABLE DF-2 CAPITAL ADEQUACY A summary discussion of the Bank s approach to assessing the adequacy of its capital to support current and future activities. As per RBI directives, our Bank has adopted Standardised Approach for Credit Risk, Standardised Duration Approach for Market risk and Basic Indicator Approach for Operational risk w.e.f For assessment of additional capital to support the current and future activities, the Bank follows ICAAP policy, put in place by the Bank. ICAAP is being reviewed on a half yearly basis in order to maintain adequate capital above the regulatory minimum on a continuous basis taking care of the future growth in business. Quantitative Disclosures (` in Crore) (b) Capital requirements for Credit Risk under Basel II & Basel III: (including other assets and counterparty unhedged foreign currency exposure) NIL - (c) Capital requirements for Market Risk Standardised duration approach: Under Basel II: Under Basel III:* `10.19 crs. (d) Capital requirements for Operational Risk Basic Indicator Approach Basel II & III Basel II Basel III Capital required: Min. Cap Required: Capital Maintained: Capital Funds: (as on ) (e) Total and Tier 1 Capital Ratio Basel II Basel III CRAR as on : 13.32% 13.90% % Tier 1 Capital: 10.75% 11.71% Tier 2 Capital: 2.57% 2.19% (Includes Capital Conservation Buffer 1.875%) Not applicable as our Bank has no subsidiary. (` crores of Net DTA related to timing difference recognised in Regulatory Capital Calculation in terms of RBI s circular no. DBR.No. BP.BC. 83/ / dated 1st March, 2016) 345

352 Qualitative Disclosures (a) The general qualitative disclosure requirement with respect to Credit Risk, including due and impaired (for accounting purposes) Discussion on the Bank s Credit Risk Management Policy TABLE DF-3 CREDIT RISK GENERAL DISCLOSURES The Credit Risk Management Process of the Bank is driven by sound system, procedures and policies. While the Board of Directors & Risk Management Committee of the Board gives directions, the Credit Risk Management its implementation. Policy guidelines for Credit Risk Management, Collateral Management and Credit Risk Mitigants (CRM), Ratings etc. are put in place, wherein the set CRM, processing steps, developing, monitoring and supervision mechanisms for the continuing effectiveness of mitigants have been detailed. To move towards advanced approach of Basel II norms, the Bank has taken up implementation of integrated Risk Management System through six solutions for Credit Risk Rating, Credit Risk, Market Risk, Operational Risk, ALM & FTP. norms is in tune with guidelines issued by the Reserve Bank of India, as amended from time to time. Ninety days delinquency norm is being followed in classifying the assets as performing & non-performing assets. The entire have been made on both Standard Assets (performing) and Non-Performing and additional provision for restructured assets. An asset becomes non-performing when it ceases to generate income for the Bank when (a) interest and/or installment of the loan remains overdue (*) for a period of more than 90 days in respect of term loan (b) the account remains out of order (#) for a period of more than 90 days, in respect of operative limits such as Cash Credit (Hyp./Misc.) (c) the bill remains overdue for a period of more than 90 days in cases of bills purchased /discounted (d) the interest charged during any quarter, not fully serviced within 90 days from the end of the quarter (e) the installment of principal or interest thereon remains overdue for 2 crop seasons in the case of short duration crop loans and if installment of principal or interest thereon remains overdue for one crop season in the case of long duration crop loans, as far as agricultural loans are concerned (f) 90 * overdue means any amount due to the Bank under any credit facility, if not # out of order means the outstanding balance remains continuously in excess of the sanctioned limit/drawing power or if there are no requisite amount of credits continuously for 90 days or where credits in the account are not enough to cover the interest debited prior to 90 days. 346

353 Discussions on Bank s Credit Risk Management Policy: The Bank has formulated a comprehensive Credit Risk Management Policy and constituted various committees such as Credit Risk Management Committee etc. to address host of management techniques which help the Bank in identifying, measuring, monitoring and controlling of credit risks by taking into account both external and internal factors affecting the credit risk. indicators, internal ceilings, prudential norms for large credit proposals, standards for loan collateral, portfolio management, credit concentration, Loan Review Mechanism / Credit Audit, special review of high value borrowal accounts (Comprehensive Credit Monitoring Report), risk concentration / monitoring and pricing based on risk ratings, and review based on risk ratings etc, besides covering exposure ceiling for groups, ratings and sensitive sectors such as capital market, real estate and commodity sector. A comprehensive Recovery Policy of the Bank is also put in place and revised from time to time. Quantitative Disclosures Gross Credit risk exposure : (b) Total gross Credit Risk Fund based Gross Credit : ` Crore exposures - fund based & Investments : ` Crore non-fund based Other Assets : ` Crore Non-Fund based BG/ LC : ` Crore Derivatives & CCIL/MCX : ` Crore Undrawn : ` Crore Total : ` Crore (c) Geographical distribution of exposures -fund based & non-fund based separately Overseas Domestic Domestic: Fund based Gross Credit : ` Crore Investments : ` Crore Other Assets : ` Crore Non-Fund based BG/ LC : ` Crore Derivatives & CCIL/MCX : ` Crore Undrawn : ` Crore Total : ` Crore Geographic distribution of Gross credit, NFB and HTM investments is as under as on : State Gross credit Non-Fund Based HTM Investments Total Andaman & Nicobar Andhra Pradesh Arunachal Pradesh Assam Bihar Chandigarh Chattisgarh Dadra & Nagar Haveli Daman & Diu Delhi Goa

354 State Gross credit Non-Fund Based HTM Investments Total Haryana Himachal Pradesh Jammu & Kashmir Jharkhand Karnataka Kerala Madhya Pradesh Maharashtra Manipur Meghalaya Nagaland Odisha Pondicherry Sikkim Tamil Nadu Telangana Tripura Uttar Pradesh Uttaranchal West Bengal Total (d). Industry type distribution of credit (Fund Based and Non-Fund Based) is as under as on : Amount in (`) Crore Industry Fund Based Non-Fund Based A. Mining and Quarrying (A.1 + A.2) A.1 Coal A.2 Others B.1 Sugar B.3 Tea B.4 Coffee B.5 Others

355 Amount in (`) Crore Industry Fund Based Non-Fund Based C.1 Tobacco and tobacco products C.2 Others D.1 Cotton D.2 Jute D.3 Man Made D.4 Others Out of D (i.e., Total Textiles) to Spinning Mills E. Leather and Leather products F. Wood and Wood Products G. Paper and Paper Products (non-mining) and Nuclear Fuels I.2 Drugs and Pharmaceuticals I.3 Petro-chemicals (excluding under Infrastructure) I.4 Others K. Glass & Glassware L. Cement and Cement Products M. Basic Metal and Metal Products (M.1 + M.2) M.1 Iron and Steel M.2 Other Metal and Metal Products N. All Engineering (N.1 + N.2) N.2 Others Equipment s P. Gems and Jewellery Q. Construction

356 (e) Residual maturity breakdown of assets as at Period 1 day 2-7 days 8-14 days Amount in (`) Crore Industry Fund Based Non-Fund Based R.1 Transport (Sum of R.1.1 to R.1.5) R.1.1 Roads and Bridges R.1.2 Ports R.1.3 Inland Waterways R.1.4 Airport R.1.5 Railway Track, tunnels, viaducts, bridges and distribution) R.2.2 Oil (storage and pipeline) R.2.3 Gas/LNG (storage and pipeline) R.2.4 Others R.3 Telecommunication R.4 Others (Sum of R.4.1 to R.4.3) R.4.1 Water sanitation R.4.2 Social & Commercial Infrastructure R.4.3 Others S. Other Industries Residuary Other Advances (to tally with gross advances) Gross total Loans and Advances days 31 days - 2 months Over 2 Over 3 months to months to 3 months 6 months Over 6 months to 12 months Over 1 year to 3 years Over 3 years to 5 years Over 5 years (` in Crore) FC Assets Net Advances Net Investments Total 350

357 Position as on (` in Crore) (f) Amount of NPAs (Gross) Substandard Doubtful Doubtful Doubtful Loss 8.72 (g) Net NPAs (h) (i) NPA Ratios: Gross NPAs to gross advances 6.34 Net NPAs to net advances 4.32 Movement of NPAs (Gross): Opening balance Additions Reductions Closing balance Movement of NPA (Net) Opening balance Additions Reductions - Closing balance Movement of provisions for NPAs Opening balance Provisions made during the period Write off/ Write back of excess provisions Closing balance ` crs) (k) Amount of Non-Performing Investments (Under HTM Category) 9.08 (Under AFS Category) (l) Amount of provisions for depreciation on Non-Performing Investments (NPI) (m) Movement of provisions for depreciation on Non-Performing Investments (NPI): Opening balance Provisions made during the period Write off 0.00 Write back of excess provisions 0.23 Closing balance

358 TABLE DF-4 CREDIT RISK: DISCLOSURES FOR PORTFOLIOS SUBJECT TO THE STANDARDISED APPROACH Qualitative disclosures (a) For portfolios under the standardised approach: reasons for any changes used public issue ratings onto comparable assets in the banking book The Bank has used ratings given by RBI approved Rating only. In order to facilitate the process of external rating and enabling the customers to solicit external ratings for their exposure, the Bank has entered into a separate MOU with the credit rating agencies. All Corporate exposure above ` 5 Crore and exposure to public sector entities. Bank has used only bank ratings which are available in public domain. Further the Bank has not used any public issue ratings. Quantitative disclosures (b) For exposure amounts after risk mitigation of a bank s outstandings (rated and unrated) in those that are deducted: Credit exposure ** (` in Crore) TOTAL ** Includes following off B/S exposure ` Crs Undrawn Portion ` Crs CCIL & MCX ` Crs NFB Investments ` Crs Also includes Other assets ` Crs. 352

359 TABLE DF-5 CREDIT RISK MITIGATION: DISCLOSURES FOR STANDARDISED APPROACH Qualitative disclosures (a) The general qualitative disclosure requirement with respect to credit risk mitigation including: Policies and processes for and an indication of the extent to which the Bank makes use of, on and off balance sheet netting Policies and processes for collateral valuation and management. A description of the main types of collateral taken by the bank. The main type of guarantor counterparty and their creditworthiness. Information about (market or credit) risk concentration within the mitigation taken. margin stipulation, valuation, legal certainty, documentation, periodical inspection, easy liquidity etc. as enumerated in Basel collaterals available are netted out of the credit exposure before assigning the risk weights. The effect of Credit Risk Mitigation (CRM) is not double counted. includes Bank s own term deposits, cash margin, life policies, Guaranteed exposure includes those guaranteed by Central / Quantitative disclosures ` in Crore (b) For each separately disclosed credit Credit risk Loans & risk portfolio, the total exposure (after exposure advance ** Investment * based Total where applicable, on or off balance sheet netting) that is covered by eligible collaterals) of haircuts. Net exposure ` crs.) (c) For each separately disclosed portfolio ` in Crore the total exposure (after, where Guarantee status Loans & applicable, on or off balance sheet Advance ** Investment Total based * # netting) that is covered by guarantees / Central/ State permitted by RBI) Govt. ` crs.) CGTSI * Including off balance sheet exposure Guarantee total ** Including Undrawn Net exposure # Includes bonds/ instruments issued by the Central/ State Government and/ or guaranteed by Central Government. collaterals are reckoned after the application of haircuts wherever applicable. 353

360 TABLE DF-6 SECURITISATION DISCLOSURES FOR STANDARDISED APPROACH The Bank has not securitised any standard asset during the year ended TABLE DF-7 MARKET RISK IN TRADING BOOK Qualitative disclosure (a) The general qualitative disclosure requirement for market risk including the portfolios covered by the standardised approach Market Risk is the potential risk due to market movements in interest rates, equity prices, foreign currencies and commodity prices. Standardised Duration Approach and Internal Model Approach. At present, the bank has implemented "Standardised Duration Approach" and moving forward to implement Internal Model Approach. The Standardised Duration Approach has got following features. Quantitative disclosures (b) The capital requirement for Interest rate risk Risk. in yield. instrument etc. For the purpose of calculation of capital charge, the bank has adopted Standardised Duration Approach, as detailed below: ` in Crore Risk Category Capital charge (A) 0.74 Interest Rate (a+b) 0.74 a. General Market Risk 0.74 (i) Net position (parallel shift) (B) Interest Rate (a+b) a. General Market Risk (i) Net position (parallel shift) (C) I. Interest rate related instruments {A+(B or C whichever is more)} II. Equity (a+b) a. General Market Risk III. Foreign Exchange & Gold Total Risk Weighted Assets

361 on ` in Crore Risk Category Capital charge (A) 0.74 Interest Rate (a+b) 0.74 a. General Market Risk 0.74 (i) Net position (parallel shift) (B) Interest Rate (a+b) a. General Market Risk (i) Net position (parallel shift) (C) I. Interest rate related instruments {A+(B or C whichever is more)} II. Equity (a+b) a. General market risk III. Foreign Exchange & Gold Total Risk Weighted Assets (` crs written off from capital)

362 TABLE DF-8 OPERATIONAL RISK Qualitative disclosures Operational Risk as per Basic Indicator Approach. The Bank has set up Operational Risk Management Committee to identify, assess, monitor and control all operational risks apart from measures to mitigate such risks, by putting in place detailed policy & guidelines on Operational Risk Management (ORM), Loss Data, Risk & Control Self Assessment (RCSA), Key Risk Indicator (KRI), Scenario Analysis (SA), Business Line Mapping (BLM) policy, Business Continuity Policy (BCP), Business Continuity & Disaster Recovery Plan, Outsourced Activities, New Product & Activities Review, KYC norms and Anti-Money Laundering, etc. Further, the Bank has put in place the following measures to manage, control and mitigate operational risks:- Book of Instructions/Manuals are being updated at periodic intervals besides revising various policies on review at regular/annual interval. Operational Risk losses (Fraud & Non-Fraud data) are being reported to Operational Risk Management Committee on quarterly basis. The Bank has put in place IT Security Policy and has implemented various IT security related solutions like The Bank has implemented policies relating to application access controls, password security, guidelines to avoid misuse of passwords, etc. in the Core Banking scenario. The Bank has been conducting information security & network audit for its network, Data Centre, Disaster Recovery Site, Business Units facilities. The Bank has been conducting vulnerability assessment and penetration testing for Critical Service like steps. The Bank has been conducting all its third party software applications to the process of IS audit to In order to mitigate the probability of system disruptions resulting in the business discontinuity, the Bank has implemented various levels of disaster recovery and business continuity mechanisms/measures specially for critical applications like Core Banking System, Network Facilities, ITMS, IRMS. Risk Based Internal Audit (RBIA) is made applicable for all the branches from the year based on the revised RBIA format. Operations, Internet Banking, ATM operation, Forex, Currency Chest, Lockers, Remittances, Information Technology, Debit Card & Credit Card operation, Treasury Operations, Trading & Sales (AFS/ HFT), Financial Inclusion, Payment & Settlement and Commercial Banking. The Bank has been permitted by RBI to assess Operational risk capital under The Standardised Approach (TSA) (Parallel run w.e.f March 2015). 356

363 Quantitative disclosures: AVERAGE OF GROSS INCOME FOR THE LAST 3 YEARS (` in Crore) Sl. Description No ADD Provisions & Contingencies Sub-Total LESS Income from insurance activities and insurance claims in favour of Bank Reversal during the year in respect of provisions and write offs made during the previous year 9 Income from the disposal of items of movable and immoveable property Income from legal settlements in favour of the Bank Sub-Total GROSS INCOME (Sl.No.4 - Sl.No.11) ` Crore ` Crore ` Crore 357

364 Qualitative disclosures TABLE DF-9 INTEREST RATE RISK IN THE BANKING BOOK (IRRBB) The general qualitative disclosure requirement including the nature of IRRBB and key assumptions, including assumptions regarding loan prepayments and behaviour of non-maturity deposits and frequency of IRRBB measurement. Interest Rate Risk Management: understanding the money markets and debt capital markets in which it operates and within the context of The Bank uses two techniques/approaches to manage interest rate risks inherent in the Balance sheet: Traditional Gap analysis. This involves careful balancing/rebalancing of assets and liabilities, based on the interest rate view of the bank, so as to eliminate the interest earnings at risk. This is achieved through an 2) The second approach is off-balance sheet Asset Liability Management (ALM) through hedging. Hedging creates off-balance sheet positions. The OTC derivative product used by the Bank to hedge its trading portfolio and certain liabilities are the Interest Rate Swaps (IRS). The Asset Liability Management techniques are deliberated by the Market Risk Management/Asset Liability Committee (MRMC/ALCO) in its monthly meetings, in addition to the discussions in the Balance Sheet Management Group meetings. Analytics used by the Bank: and the Board at monthly intervals. The Interest Rate Sensitivity (IRS) Gap statement based on the 1999 Guidelines on Asset Liability Management is prepared on a fortnightly basis. The bucket-wise rate sensitive gaps as a percentage of the rate sensitive assets are monitored by the MRMC/ALCO, at monthly intervals, against the Board stipulated Tolerance limits. with the view on interest rates and the market scenario. While preparing the Interest Rate Sensitivity statement, the Bank takes into account the results of the behavioral analysis conducted on the following: (ii) Repricing character of CC/OD accounts 358

365 Earnings at Risk (EaR): on a fortnightly basis and placed before the MRMC/ALCO in the monthly meetings and later to the Board in its monthly meetings. or off balance sheet hedging strategies, is tracked on a fortnightly basis. Quantitative disclosure: ` 150 crs, with a tolerance limit of 15% i.e., ` 172 crs for a 100 basis point Earnings at Risk (EaR): For a 100 basis point assumed increase in interest rates, the impact on NII for a 1 year ` crores Economic value approach: The economic value, i.e. impact on Capital Fund due to change in interest rate by 200 bps is assessed RBI guidelines. 359

366 TABLE DF-10 GENERAL DISCLOSURE FOR EXPOSURES RELATED TO COUNTERPARTY CREDIT RISK Qualitative disclosures (a) The general qualitative disclosure requirement with respect to derivatives and CCR, including: Discussion of methodology used to assign economic capital and credit limits for counterparty credit exposures; Discussion of policies for securing collateral and establishing credit reserves; Discussion of policies with respect to wrongway risk exposures; Discussion of the impact of the amount of collateral the bank would have to provide given a credit rating downgrade. Quantitative disclosures (b) Gross positive fair value of contracts, netting held (including type, e.g. cash, government securities, etc.), and net derivatives credit exposure. Also report measures for exposure at notional value of credit derivative hedges, and the distribution of current credit exposure by types of credit exposure. (c) Credit derivative transactions that create exposures to CCR (notional value), segregated between use for the institution s own credit portfolio, as well as in its intermediation activities, including the distribution of the credit derivatives products used, broken down further by protection bought and sold within each product group Counterparty Credit Risk (CCR) Limits for the banking counterparties are assessed based on an internal and net worth of counterparties, net worth of the Bank and business requirements. In all other cases, CCR limit is approved based on credit assessment process followed by the Bank as per the Credit Policy and Procedural Manual. CCR limits are set on the counterparties with distinct limits for each type of exposure. Capital for CCR exposure is assessed based on Standardised Approach. The Bank does not have any credit derivatives exposure at present. derivative exposure is calculated using Current as on March 31, 2018 is given below. Particulars Foreign exchange contracts (Inter-Bank) (` in Crore) Notional Amount Current Exposure

367 Basel III common disclosure template to be used TABLE DF-11 : COMMON DISCLOSURE TEMPLATE 2018 Amounts Pre-Basel III Treatment (` in Million) Common Equity Tier 1 capital: instruments and reserves 1 Directly issued qualifying common share capital a=b+c plus related stock surplus (share premium) 2 Retained earnings d 3 Accumulated other comprehensive income (and other reserves) 4 1 January Common share capital issued by subsidiaries and held by third parties (amount allowed in group e = f + g + (h*45%) Goodwill (net of related tax liability) - 9 Intangibles other than mortgage-servicing rights - (net of related tax liability) 10 Deferred tax assets - Notes Shortfall of provisions to expected losses - 13 Securitisation gain on sale - 14 Gains and losses due to changes in own credit risk - on fair valued liabilities 15 - =x+y 16 Investments in own shares (if not already netted off - paid-in capital on reported balance sheet) 17 Reciprocal cross-holdings in common equity and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued share capital (amount above 10% threshold)

368 Basel III common disclosure template to be used 19 outside the scope of regulatory consolidation, net of eligible short positions (amount above 10% threshold) 20 Mortgage servicing rights (amount above 10% threshold) 21 Deferred tax assets arising from temporary differences (amount above 10% threshold, net of related tax liability) Amount exceeding the 15% threshold of which: mortgage servicing rights - 25 of which: deferred tax assets arising from temporary differences (26a+26b+26c+26d) 26a of which: Investments in the equity capital of the - unconsolidated insurance subsidiaries 26b of which: Investments in the equity capital of - 26c consolidated with the bank - 26d of which: Unamortised pension funds expenditures - Treatment debt securities (not relevant in Indian context) to cover deductions Tier 1 29 Common Equity Tier 1 capital (CET1) Amounts Pre-Basel III Treatment 362

369 Basel III common disclosure template to be used Additional Tier 1 capital: instruments 30 Directly issued qualifying Additional Tier 1 instruments plus related stock surplus (31+32) 31 accounting standards (Perpetual Non-Cumulative Preference Shares) 32 accounting standards (Perpetual debt Instruments) 33 out from Additional Tier 1 34 not included in row 5) issued by subsidiaries and held by third parties (amount allowed in group AT1) to phase out Investments in own Additional Tier 1 instruments - 38 Reciprocal cross-holdings in Additional Tier 1 - instruments 39 and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued common share capital of the entity (amount above 10% threshold) - 40 scope of regulatory consolidation (net of eligible short positions) 41-41a Investments in the Additional Tier 1 capital of - unconsolidated insurance subsidiaries 41b consolidated with the bank - Treatment of which: Net DTAs - Amounts Pre-Basel III Treatment l=m1+m2+m3+m l=m1+m2+m3+m

370 Basel III common disclosure template to be used Amounts Pre-Basel III Treatment capital 44 Additional Tier 1 capital (AT1) a adequacy Tier 2 capital: instruments and provisions 46 Directly issued qualifying Tier 2 instruments plus N=o1+o2+o3+o4 related stock surplus 47 - P=q1 fully Discounted out from Tier 2 48 not included in rows 5 or 34) issued by subsidiaries and held by third parties (amount allowed in group Tier 2) to phase out 50 Provisions r=s+t Investments in own Tier 2 instruments - 53 Reciprocal cross-holdings in Tier 2 instruments and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued common share capital of the entity (amount above the 10% threshold) - 55 scope of regulatory consolidation (net of eligible short positions) 56-56a of which: Investments in the Tier 2 capital of - unconsolidated subsidiaries - 364

371 Basel III common disclosure template to be used 56b consolidated with the bank of which: Basel III Discounting and Phase out of non Basel III compliant instruments at 40% as per Transitional Arrangements Tier 2 capital (T2) a b Excess Additional Tier 1 capital reckoned as Tier 0 2 capital 58c adequacy (58a + 58b) Amounts Pre-Basel III Treatment to Pre-Basel III Treatment - of which: - 60 Total risk weighted assets (60a + 60b + 60c) a of which: total credit risk weighted assets u 60b of which: total market risk weighted assets c of which: total operational risk weighted assets Capital ratios % weighted assets) 62 Tier 1 (as a percentage of risk weighted assets) 11.71% 63 Total capital (as a percentage of risk weighted 13.90% assets) 64 countercyclical buffer requirements, expressed as a percentage of risk weighted assets) 7.375% 65 of which: capital conservation buffer requirement 1.875% % requirement 67 of which: G-SIB buffer requirement 0.00% - 365

372 Basel III common disclosure template to be used 2018 Amounts Pre-Basel III Treatment 68 a percentage of risk weighted assets) 2.985% % different from Basel III minimum) 70 National Tier 1 minimum ratio (if different from Basel 7.00% III minimum) 71 National total capital minimum ratio (if different from Basel III minimum) 9.00% Mortgage servicing rights (net of related tax liability) - 75 Deferred tax assets arising from temporary differences (net of related tax liability) 76 Provisions eligible for inclusion in Tier 2 in respect of r to application of cap) 77 Cap on inclusion of provisions in Tier 2 under u*1.25% standardised approach 78 Provisions eligible for inclusion in Tier 2 in respect approach (prior to application of cap) N.A. 79 Cap for inclusion of provisions in Tier 2 under internal ratings-based approach 80 out arrangements 81 over cap after redemptions and maturities) 82 out arrangements 83 Amount excluded from AT1 due to cap (excess over cap after redemptions and maturities) 84 arrangements 85 Amount excluded from T2 due to cap (excess over cap after redemptions and maturities) N.A. N.A. N.A. N.A. N.A. N.A. N.A. 366

373 Notes to Template Row Particular (` in Million) 10 Deferred tax assets associated with accumulated losses 0 Deferred tax assets (excluding those associated with accumulated losses) net of Deferred tax liability Maximum eligibility limit as per RBI Circular no. RBI/ /331 RBI/ /331 dt March 1, 2016 Deduction of Net DTA in excess of eligibility limit 0.00 Total as indicated in row If investments in insurance subsidiaries are not deducted fully from capital and instead - considered under 10% threshold for deduction, the resultant increase in the capital of bank - of which: Increase in Additional Tier 1 capital - of which: Increase in Tier 2 capital - 26b deducted and hence, risk weighted then: - (ii) Increase in risk weighted assets in Basel III Capital Regulations vide circular DBR.No.BP.BC.83/ / dated March 1, 2016)

374 LIABILITIES TABLE DF COMPOSITION OF CAPITAL Balance sheet as in consolidated As on CAPITAL Equity Share Capital b Share Application Money 0.00 Reserves and Surplus I Statutory Reserve f II Capital Reserve g III Share Premium c Revaluation Reserve h i Revenue And Other Reserves d Total Deposits BORROWINGS (i) FROM R.B.I MONTHS BONDS % q1 120 MONTHS BONDS % o1 120 MONTHS BONDS % o2 120 MONTHS BONDS % o3 120 MONTHS BONDS % o4 PDI % m1 PDI % m2 PDI % m m4 TOTAL BORROWINGS

375 LIABILITIES Balance sheet as in consolidated As on OTHER LIABILITIES AND PROVISIONS I Bills Payable II Interest Accrued s t Total Other Liabilities ASSETS Balance sheet as in consolidated As on Total Cash & Bank Bal With RBI Total Bal With Banks & Money At Call Total Investments Total Net Advances Total Fixed Assets Other Assets II Interest Accrued III Tax Paid In Advance k x 0.00 y Total Other Assets (Schedule - 11) Deferred tax assets (excluding those associated with accumulated losses) net of deferred tax liability as mentioned 16/331 RBI/ /331 dt. March 1,

376 TABLE DF-13 - MAIN FEATURES OF REGULATORY CAPITAL INSTRUMENTS AS ON Sl. Particulars Equity Shares AT 1 Bonds Basel III S1 AT 1 Bonds Basel III S2 AT 1 Bonds Basel III S3 AT 1 Bonds Basel III S4 Lower Tier II S7 Tier II S8 Basel III Tier II S9 Basel III Tier II S10 Basel III Tier II S11 Basel III 1 Issuer 2 3 Governing Laws of the Instrument Regulatory Treatment 4 Transitional Basel III Rules 5 Post-transitional Basel III Rules Applicable Indian statutes and regulatory requirements Tier 1 Tier 1 Applicable Indian statutes and regulatory requirements Applicable Indian statutes and regulatory requirements Applicable Indian statutes and regulatory requirements Applicable Indian statutes and regulatory requirements Applicable Indian statutes and regulatory requirements Applicable Indian statutes and regulatory requirements Applicable Indian statutes and regulatory requirements Applicable Indian statutes and regulatory requirements Applicable Indian statutes and regulatory requirements Additional Tier 1 Additional Tier 1 Additional Tier 1 Additional Tier 1 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 Ineligible 6 Solo Solo Solo Solo Solo Solo Solo Solo Solo Solo 7 Instrument Type Common Shares 8 Amount Recognised in Regulatory Capital ( ` in mn. As on ) 9 Instrument (` in Crs.) 10 Accounting 11 Original date of issuance (incl. Premium) Perpetual Debt Instrument Perpetual Debt Instrument Perpetual Debt Instrument Perpetual Debt Instrument Tier 2 Debt Instruments Tier 2 Debt Instruments Tier 2 Debt Instruments Tier 2 Debt Instruments Tier 2 Debt Instruments Borrowings Borrowings Borrowings Borrowings Borrowings Borrowings Borrowings Borrowings Borrowings Perpetual or dated Perpetual Perpetual Perpetual Perpetual Perpetual Dated Dated Dated Dated Dated 13 Original maturity date Not Applicable No No No No to prior supervisory approval 15 Optional call date, contingent call dates and redemption amount 16 Subsequent call dates, if applicable Coupons/ dividends 17 dividend/coupon 18 Coupon rate and any related index 19 dividend stopper 20 Fully discretionary, partially discretionary or mandatory No Yes Yes Yes Yes No No No No No Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Yes Yes Yes Yes Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Fixed Coupon Fixed Coupon Fixed Coupon Fixed Coupon Fixed Coupon Fixed Coupon Fixed Coupon Fixed Coupon Fixed Coupon Not Applicable 9.54% 10.40% 11.25% 10.49% 9.35% 9.73% 9.15% 8.62% 8.64% Not Applicable Yes Yes Yes Yes Yes Yes Yes Yes Yes Fully discretionary Fully discretionary Fully discretionary Fully discretionary Fully discretionary Partially Discretionary Partially Discretionary Partially Discretionary Partially Discretionary Partially Discretionary 370

377 TABLE DF-13 - MAIN FEATURES OF REGULATORY CAPITAL INSTRUMENTS AS ON Sl. Particulars Equity Shares AT 1 Bonds Basel III S1 AT 1 Bonds Basel III S2 AT 1 Bonds Basel III S3 AT 1 Bonds Basel III S4 Lower Tier II S7 Tier II S8 Basel III Tier II S9 Basel III Tier II S10 Basel III Tier II S11 Basel III 21 or other incentive to redeem 22 Non-cumulative or cumulative 23 Convertible or nonconvertible 24 If convertible, conversion trigger(s) 25 If convertible, fully or partially 26 If convertible, conversion rate 27 If convertible, mandatory or optional conversion 28 If convertible, specify instrument type convertible into 29 If convertible, specify issuer of instrument it converts into No No No No No No No No No No Non-cumulative Non-Cumulative Non-Cumulative Non-Cumulative Non-Cumulative Non-Cumulative Non- Cumulative Not Applicable Non-convertible Non-convertible Write-off or Conversion (RBI Discretion) Non-Cumulative Non-Cumulative Non-Cumulative Non-convertible Non-convertible Non-convertible Non-convertible Non-convertible Non-convertible Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable RBI Discretion Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable RBI Discretion Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Optional Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 30 Write-down feature Yes Yes Yes Yes No Yes Yes Yes Yes 31 If write-down, writedown trigger(s) 32 If write-down, full or partial 33 If write-down, permanent or temporary 34 If write-down, description of write-up mechanism 35 Position in subordination heirarchy in liquidation (specify instrument type immediately senior to instrument) 36 Non-compliant transitioned features 37 If yes, specify noncompliant features Not Applicable Not Applicable Not Applicable full or partial full or partial full or partial full or partial Not Applicable full or partial full or partial full or partial full or partial Not Applicable Temporary and Permanent Temporary and Permanent Temporary and Permanent Temporary and Permanent Not Applicable Temporary and Permanent Temporary and Permanent Temporary and Permanent Temporary and Permanent Not Applicable As per Basel III As per Basel III As per Basel III As per Basel III Not Applicable As per Basel III As per Basel III As per Basel III As per Basel III Perpetual Debt Instruments Subordinated to claims of depositors, general creditors and Subordinated debt of the bank Subordinated to claims of depositors, general creditors and Subordinated debt of the bank Subordinated to claims of depositors, general creditors and Subordinated debt of the bank All other creditors and Depositors of the Bank All other creditors and Depositors of the Bank All other creditors and Depositors of the Bank All other creditors and Depositors of the Bank All other creditors and Depositors of the Bank All other creditors and Depositors of the Bank No No No No No Yes No No No No Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable No loss absorption features Not Applicable Not Applicable Not Applicable Not Applicable 371

378 TABLE DF-14 FULL TERMS AND CONDITION OF REGULATORY CAPITAL INSTRUMENT Disclosed separately under Regulatory Disclosure Section on our website. TABLE DF-15 DISCLOSURE REQUIREMENTS FOR REMUNERATION The remuneration of Board of Directors and Top executives are decided by the Government of India. RBI s Basel III Takers issued vide circular DBOD.No.BC.72/ / dated January 13, 2012 addressed to all private sector and foreign banks operating in India. As the guideline is applicable to private sector and foreign banks, this disclosure is not applicable to our Bank. TABLE DF-16 EQUITIES - DISCLOSURE FOR BANKING BOOK POSITIONS Therefore, this disclosure is not applicable to our Bank. TABLE DF-17 SUMMARY COMPARISON OF ACCOUNTING ASSETS VS. LEVERAGE RATIO EXPOSURE MEASURE S. No. Item Statement as on (` in Million) consolidated for accounting purposes but outside the scope of regulatory consolidation accounting framework but excluded from the leverage ratio exposure measure balance sheet exposures) Leverage ratio exposure

379 Statement as on TABLE DF-18 LEVERAGE RATIO COMMON DISCLOSURE TEMPLATE On-balance sheet exposures 1) On-balance sheet items (excluding derivatives and SFTs, but including collateral) (` in Millions) 17,11, ) (Asset amounts deducted in determining Basel III Tier I capital) ) Total on-balance sheet exposures (excluding derivatives and SFTs) Derivative exposures 4) Replacement cost associated with all derivatives transactions (i.e. net of eligible cash 34, variation margin) - 6) Gross-up for derivatives collateral provided where deducted from the balance sheet assets - pursuant to the operative accounting framework 7) (Deductions of receivable assets for cash variation margin provided in derivatives transactions) ,000 transactions 13) (Netted amounts of cash payables and cash receivables of gross SFT assets) - 14) CCR exposure for SFT assets - 15) Agent transaction exposures - 30,000 17) Off-balance sheet exposure at gross notional amount 77, , Capital and total exposures 20) Tier 1 capital Leverage ratio 22) Basel III leverage ratio 6.26% 373

380 As on: 30-Jun-2017 LCR Disclosure Template (` in Crore) Total Unweighted Value (average) Total Weighted Value (average) High Quality Liquidity Assets 1 Total High Quality Liquid Assets (HQLA) Retail deposits and deposits from small business customers, of which: (i) Stable deposits (ii) Less stable deposits Unsecured wholesale funding, of which: (i) Operational deposits (all counterparties) (ii) Non-operational deposits (all counterparties) (iii) Unsecured debt Secured wholesale funding Additional requirements, of which (i) requirements (ii) (iii) Credit and liquidity facilities Other contractual funding obligations Other contingent funding obligations TOTAL CASH OUTFLOWS Secured lending (e.g. reverse repos) TOTAL CASH INFLOWS Value TOTAL HQLA TOTAL NET CASH OUTFLOWS LIQUIDITY COVERAGE RATIO (%) % 374

381 As on: 30-Sep-2017 LCR Disclosure Template (` in Crore) Total Unweighted Value (average) Total Weighted Value (average) High Quality Liquidity Assets 1 Total High Quality Liquid Assets (HQLA) Retail deposits and deposits from small business customers, of which: (i) Stable deposits (ii) Less stable deposits Unsecured wholesale funding, of which: (i) Operational deposits (all counterparties) (ii) Non-operational deposits (all counterparties) (iii) Unsecured debt Secured wholesale funding Additional requirements, of which (i) requirements (ii) (iii) Credit and liquidity facilities Other contractual funding obligations Other contingent funding obligations TOTAL CASH OUTFLOWS Secured lending (e.g. reverse repos) TOTAL CASH INFLOWS Value TOTAL HQLA TOTAL NET CASH OUTFLOWS LIQUIDITY COVERAGE RATIO (%) % 375

382 As on: 31-Dec-2017 LCR Disclosure Template (` in Crore) Total Unweighted Value (average) Total Weighted Value (average) High Quality Liquidity Assets 1 Total High Quality Liquid Assets (HQLA) Retail deposits and deposits from small business customers, of which: (i) Stable deposits (ii) Less stable deposits Unsecured wholesale funding, of which: (i) Operational deposits (all counterparties) (ii) Non-operational deposits (all counterparties) (iii) Unsecured debt Secured wholesale funding Additional requirements, of which (i) requirements (ii) (iii) Credit and liquidity facilities Other contractual funding obligations Other contingent funding obligations TOTAL CASH OUTFLOWS Secured lending (e.g. reverse repos) TOTAL CASH INFLOWS Value TOTAL HQLA TOTAL NET CASH OUTFLOWS LIQUIDITY COVERAGE RATIO (%) % 376

383 As on: 31-Mar-2018 LCR Disclosure Template (` in Crore) Total Un-weighted Value (average) Total Weighted Value (average) High Quality Liquidity Assets 1 Total High Quality Liquid Assets (HQLA) Retail deposits and deposits from small business customers, of which: (i) Stable deposits (ii) Less stable deposits Unsecured wholesale funding, of which: (i) Operational deposits (all counterparties) (ii) Non-operational deposits (all counterparties) (iii) Unsecured debt Secured wholesale funding Additional requirements, of which (i) requirements (ii) (iii) Credit and liquidity facilities Other contractual funding obligations Other contingent funding obligations TOTAL CASH OUTFLOWS Secured lending (e.g. reverse repos) TOTAL CASH INFLOWS Value TOTAL HQLA TOTAL NET CASH OUTFLOWS LIQUIDITY COVERAGE RATIO (%) % 377

384 NOTES 378

385 NOTES 379

386 NOTES 380

387 NOTES 381

388 NOTES 382

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390 VIJAYA BANK U ***** Dear Shareholder (s) to your Depository Participant (in case of demat holdings) we would request you to provide the said particulars in the format given below to facilitate prompt, safe and correct payment of dividend as soon as it is declared. Please ensure that the details submitted by you to the Registrars/ Depository Participant are correct as any error therein could result in the dividend amount being credited to wrong account. prevent fraudulent encashment of dividend warrants. Kindly help us in our endeavor to serve you better. Yours faithfully FORM FOR NECS MANDATE /BANK ACCOUNT PARTICULARS I/We (* Strike out whichever is not applicable) My /our Folio No.: DPID No.: Client ID No.: Particulars of Bank Account A. Bank Name : B. Branch Name with IFSC Code : Address (for Mandate only) : C. 9 Digit Code No. of the Bank & Branch as appearing on the MICR Cheque : D. Account Type (Saving/Current) : F. STD Code & Telephone No. of Shareholder : reason. Mail to Link Intime India Pvt. Limited. Signature of the Shareholder Please attach the photocopy of a cheque or a blank cancelled cheque issued by your Bank relating to your above account for verifying the accuracy of the nine digit code number. In case you are holding shares in demat form, kindly advice your Depository Participant to take note of your Bank Account 384

391 {do`m ~ H$ 41/2, E.Or.amoS>, ~ Jbyé àymz H$m`m b` - ~ Jbyé ***** dm{f H$ gm mý ~ R>H$ Ho$ {be CnpñW{V-gh-àdoe nmu eo`aymah$/àm ³gr H$m Zm d nvm {XZm H 29 OyZ, 2018 g_` gw~h ~Oo ñwmz wëh$s gw Xa am eoå>r g^mj h, {do m ~ H$, àymz H$m m b, 41/2, E.Or.amoS>, ~ Jbya Ym[aV Hw$b eo`a n OrH $V $mo{b`mo g. (AJa A yvuh$au Z {H$`m J`m hmo Vmo) S>rnrAmB S>r g. (AJa A yvuh$au {H$`m J`m hmo Vmo) J«mhH$ AmB S>r g. (AJa A yvuh$au {H$`m J`m hmo Vmo) EVÛmam, {do m ~ H$, à.h$m., E.Or.amoS>, ~ Jbyê$ OyZ, 2018 H$mo hmozodmbr ~ H$ H$s 18dt dm{f H$ gm mý ~ R>H$ AnZr CnpñW{V A{^{bpIV H$aVm/H$aVr hÿ. eo`aymah$/àm Šgr YmaH$/ à{v{z{y Ho$ hñvmja * eo`aymah$ H$m Zm : àdoe nmu $mo{b`mo/j«mhh$ AmB S>r. g. : H«$ g.: Hw$b eo`a : eo aymah$m /àm ŠgršYmaH$m /à{v{z{y m go AZwamoY h {H$ do g^mj h àdoe nmzo Ho$ {be {d{ydv² hñvmj[av Bg CnpñW{V-gh-àdoe nmu H$mo {XImE. àdoe nmu H$m {hñgm, eo aymah$m /àm ŠgrYmaH$m /à{v{z{y m H$mo bm Q>m m OmEJm {Ogo CZH$mo ~ R>H$ g má hmozo VH$ AnZo nmg aizm hmojm. bo{h$z àdoe nmvo g Eogm A{V[aº$ gë mnz/om M ^r H$s Om gh$vr h Omo Amdí H$ g Pr OmE. g^mj h Ho$ àdoe ñwmz, {H$gr ^r hmbv, H$moB Sy>pßbHo$Q> CnpñW{V-gh-àdoe nmu Zht Xr OmEJr. 385

392 VIJAYA BANK ***** ATTENDANCE SLIP-CUM-ENTRY PASS FOR ANNUAL GENERAL MEETING NAME & ADDRESS OF THE SHAREHOLDER/PROXY Date : 29th June, 2018 Time: A.M. Place : Mulki Sunder Ram Shetty Auditorium, 41/2, M G Road, Bengaluru Regd. Folio No. DPID No. Client ID No. Signature of the Share holder / Proxy Holder / Representatives : Name of shareholder : ENTRY PASS Folio/Client ID No. Sr. No. Shareholders/proxy holders/representatives are requested to produce this attendance slip-cum-entry pass duly signed, for admission to the meeting hall. The entry pass portion will be handed back to the shareholders/proxy holders/representatives, who should retain it till the conclusion of the meeting. The admission may, however, duplicate attendance slip cum entry pass be issued at the entrance to the meeting hall. 386

393 {do`m ~ H$ àymz H$m`m b` : ~ Jbyê$ $m "I' àm Šgr $m (eo`aymah$ Ûmam ^am OmE Ed hñvmja {H$E OmE ) n OrH $V $mo{b`mo g.. (AJa A yvuh$au Z {H$`m J`m hmo Vmo) S>rnrAmB S>r g.. J«mhH$ AmB S>r g.. (AJa A yvuh$au {H$`m J`m hmo Vmo) /h, {Zdmgr, {μobm, amá`, {do`m ~ H$ H$m/Ho$ eo`a YmaH$ hÿ±/h, lr/lr Vr {Zdmgr, {μobm, amá`, H$mo `m CZHo$ Z hmozo na lr/lr Vr {Zdmgr,{μObm, amá`, wëh$s gw Xa am eoå>r g^mj h, {do`m ~ H$, àymz H$m`m b`, ~ Jbyê$ ewh«$dma, 29 OyZ, 2018 H$mo g nþ hmozo dmbr ~ H$ Ho$ eo`aymah$m H$s AR>mahdt dm{f H$ gm mý` ~ R>H$ Am a Cg na {H$gr àh$ma Ho$ H$m` ñwjz na, oar/h mar Amoa go, oao/h mao {be dmoq> XoZo hovw, àm Šgr Ho$ ê$n {Z`wº$ H$aVm hÿ±/h$avo h. Ho$ {XZ, 2018 H$mo hñvmj[av... (àm Šgr YmaH$ Ho$ hñvmja) H $n`m EH$ én`m H$m amoñd {Q>H$Q> {MnH$mE (àw YmaH$/EH$ mì YmaH$ Ho$ hñvmja)... Zm :... nvm : ZmoQ> : nyu ê$n go ^ao VWm ñq> åßs> d hñvmj[av àm Šgr/ $m {do`m ~ H$, eo`a à^mj, à.h$m., E.Or.amoS>, ~ Jbyê$ ewh«$dma 22 OyZ, 2018 H$mo gm` 5.00 ~Oo VH$ H$mamo~ma g m{á go nyd nhþ M OmZm Mm{hE. 387

394 VIJAYA BANK ***** FORM B FORM OF PROXY Regd. Folio No.: DP ID / Client ID No. No. of Shares Held I/We, resident of in the District of in the State of, being a shareholder/shareholders of resident of in the District of in the State of or failing him/her Shri/Smt- resident of in the District of in the State of as my/our proxy Signed this Day of 2018 Please Rupee Revenue Stamp (Signature of the Proxy) Name : Address : Bengaluru on or before the business hour at 5 PM on Friday, the 22nd June

395

396