cgf}krfl/s a:tLsf afl;Gbf zx/L u/Lax?

sf] cfjf;sf] cfjZostf ;Daf]wg ug{

tof/ kfl/Psf] lgb]{lzsf

zx/L u/La cfjf; sfo{qmd lgb]{lzsf

-k|:tfljt_

dfr{ @)!#

1
k|flalws ;xof]u tof/ kfg]{M
;+o'Qm /fi6« ;+3Lo dfgj a;f]af; sfo{qmd
o'=Pg= Xoflj6\of6 /fli6«o k/fdz{bftf
>L pd]z axfb'/ dNn – zx/L of]hgfsf/ tyf 6f]nL g]tf
>L /fhf/fd 5ts'nL – e"ld Joj:yfkg lj1
>L x]dGt 1jfnL – ljQ lj1

of] k|of;
ljZjJofkL zx/Ls/0fn] tLa|tf lnO/x]sf] at{dfg cj:yfdf lbuf] a;f]af;nfO{ a9fjf lbg] Pp6f dxTjk"0f{ cu|0fL ;+:yfsf]
?kdf o'=Pg Xoflj6\of6 /x]sf] 5 . o; ;+:yfn] g]kfndf zx/L lasf;, cfjf;, kfgL tyf ;/;kmfO{, hf]lvd Go"gLs/0f, jftfj/0f tyf
hnjfo' kl/jt{g nufot Ps csf{;+u cGt/ ;DalGwt d'2fx?nfO{ ;Daf]wg ub}{ a:tLx?df cfwf/e"t ;]jfx?sf] kx'Fr k'¥ofpg] h:tf
ljleGg dxTjk"0f{ lqmofsnfkx? ub}{ cfPsf] 5 . ejg lgdf{0f ;+lxtf lgdf{0f, ufp+ ;x/ ;fem]bf/L sfo{qmd, k|sf]k k|efjL 7fp+x?df
cfjf;, xl/t cfjf; h:tf y'k|} If]qdf laut b'O{ bzs b]lv sfo{/t /x]sf] 5 .

g]kfnsf] /fli6«o zx/L gLlt -@))&_ / ;+zf]lwt /fli6«o cfjf; gLlt -@)!@_ n] zx/L If]qsf c:j:ys/ tyf cgf}krfl/s
a:tLsf afl;Gbfx?sf d'2fnfO{ ;Daf]wg ug{ pko'Qm e"ld gLltsf] cfjZostf dx;'; u/]sf] 5 . /fli6«o cfjf; gLlt -@)!@_ n]
cfwf/e"t Go"gtd k"jf{wf/ ;'ljwfx?af6 jl~rt tyf :jf:Yo / ;'/Iffsf] b[li6sf]0fn] hf]lvd /x]sf s]jn lz/ 9fSg] cfjZostf k"lt{ ug{
agfOPsf c:j:Yos/ Pjd\ cJojl:yt a:tLx?sf] pko'Qm Joj:yfkg ug]{ /0fgLlt ckgfPsf] 5 . o; cltl/Qm, cfjf; gLltsf]
b:tfj]hn] lgwf{l/t ;doeGbf cufl8 g} agfOPsf c:j:Yos/ a:tLx?nfO{ nfut c;'nLsf] cfwf/df cltqmldt hUufdf k'g:yf{kgf ug]{
cyjf cGo j}slNks :yfgdf hUufsf] ;+o'Qm :jfldTj /xg]u/L To:tf a:tLx?nfO{ Jojl:yt a:tLsf] :j?k lbg] p2]Zo;lxt :t/f]GgtL
ug]{ u/L :yfgfGt/0f ug]{ ljsNk lbPsf] 5 .

cgf}krfl/s tyf zx/L ul/jx?sf] e"dL ;DaGwL d'2fnfO{ ;Daf]wg ug{ ljBdfg gLltut vfsf cg'?k Pp6f :ki6 lgb]{lzsfsf]
cfjZostf /x]sf] 5 . ;'s'Daf;Lsf] ;d:of ;Daf]wg ug{ ljut bzsx?df ;/sf/sf] tk{maf6 w]/} g} k|of;x? ePsf 5g\ . t/ o:tf
k|of;x? k|foM ufp+ s]lGb|t /x]sf] / lgMz'Ns hUuf ljt/0f ug]{ sfo{df g} d'Vo ?kn] ;Lldt /x]sf] b]lvG5 . t;y{, zx/L u/Lax?, d"VotM
cgf}krfl/s / cJojl:yt a:tLsf ljz]iftfx? / ltgsf] cfjZostf ;Daf]wg ug]{ lbzfdf ;/sf/sf] e"ldsf k|i6 kfg{ cfjZos lyof] .
vf;u/L ;/sf/L :t/df zx/sf cgf}krfl/s a:tLx?sf] cj:yf ;'wf/df gLltut Joj:yf ePklg o;nfO{ Jojxflxs ?kdf sfof{Gjogdf
n}hfg sfo{gLlts k|i6tfsf] cefjdf ePsf sltko k|of;x? klg k|ltkmn lbg ;Sg] cj:yfdf k'Ug ;s]sf] b]lvPg . of] sfo{ cfkm}df
h6Ln x'g'sf] ;fy} o;n] w]/} dGqfno tyf lgsfox?sf] ;+nUgtfsf] dfu ub{5 . t;y{ ;dGjo o; sfo{sf] nflu clt g} dxTjk"0f{ ljifo
/x]sf] 5 .

o; ;Gbe{df, g]kfnsf] zx/L If]qdf /x]sf c:j:ys/ a:tL -Slum_ tyf cgf}krfl/s a:tL (informal settlements)
x?sf] cfjf;sf] cfjZostfnfO{ ;Daf]wg ug{ g]kfn ;/sf/sf] cg'/f]wdf o'=Pg= Xoflj6\of6n] of] sfo{qmd ;~rfng lgb]{lzsf tof/ ug{
k|flalws ;xfotf k|bfg u/]sf] xf] . o; lgb]{lzsfn] ul/jx?sf] nflu lbuf] cfjf; k|:tfj ug{ klxnf] kN6 cfjf; k|bfosf tLg :ki6
kIfx?M cfjf;, e"ld tyf ljQnfO{ ;+o'Qm ?kdf cufl8 NofPsf] 5 .

o; lgb]{lzsfn] ljZjnfO{ c:j:ys/ a:tLd'Qm agfpg] cfXjfgsf] ;Gbe{df g]kfndf klg cgf}krfl/s / c:j:ys/
a:tLx?/lxt zx/x? lgdf{0f ug{] lbzftkm{ Ps kfOnf cufl8 a9fpg] ck]Iff ul/Psf] 5 .

kB;'Gb/ hf]zL
g]kfnsf] nflu sfo{qmd k|aGws
o'=Pg= Xoflj6\of6, g]kfn .

2
(message from ministry)

3
 ljifo ;"rL
kl/R5]b – ! lgb]{zs l;4fGtx?
kl/R5]b – @ a[xt cjwf/0ff
kl/R5]b – # nfeu|fxL ju{ klxrfgsf] nflu cfjZos ;t{x?
kl/R5]b – $ klxrfg k|lqmofsf] nflu ckgfOg] k|lqmof
kl/R5]b – % cfjf; Kofs]h
kl/R5]b – ^ of]hgf tyf ejg l8hfOg dfkb08
kl/R5]b – & zx/L ul/jsf] cfjf;sf] nflu e"ld Joj:yfkg
kl/R5]b – * ljQLo ljlwx?
kl/R5]b – ( ;+:yfut ;+/rgf tyf ;ldltsf] clwsf/ / st{Jo

cg';"rL – ! gLlt lgb]{lzsf ;+Rffngsf] lgldQ cjwf/0ffTds vfsf

cg';"rL – @ ul/jLsf] :t/ tyf cf}sft
cg';"rL – # of]hgf tyf ejg l8hfOg dfkb08 dfgs -gd{;_
cg';"rL – $ Jofhb/ / ls:tfaGbLsf] cjlw ;DaGwL laj/0f

4
 kl/R5]b – !

lgb]{zs l;4fGtx?
!=!= /fli6«o tyf cGt/f{li6«o ;Gbe{
of] lgb]{lzsf lgDg b'O{ b:tfj]hx?sf] Joj:yf cg'?k tof/ kfl/Psf] xf] .
s_ g]kfnsf] cGtl/d ;+ljwfg, @)^# -wf/f #%_
v_ cfly{s, ;fdflhs tyf ;fF:s[lts clwsf/ ;DaGwL cGt/f{li6«o k|lt1fkq -sf]e]gfG6_ -wf/f
!!_

!=@= ljlzi6 lgb]{lzsf M of] lgb]{lzsf k|fylds ?kdf /fli6«o cfjf; gLlt, @)^* -g]kfn ;/sf/_ af6
lgb]{lzt 5 .

!=#= lgb]{lzsf :jLs[t ug]{ lgsfo M g]kfn ;/sf/

!=$= k|f/De x'g] ldlt M g]kfn ;/sf/n] :jLs[lt u/]sf] ldltaf6

!=%= lgb]{lzsfsf] k'g/fjnf]sg M o; ;~rfng lgb]{lzsfnfO{ ;ldltn] cfjlws ?kdf k'g/fjnf]sg ug{]5
/ cfjZostf cg';f/ ;+zf]wg l;kmfl/; ePdf g]kfn ;/sf/sf] :jLs[ltkl5 nfu" x'g]5 .

!=^= o; lgb]{lzsfn] cjnDag u/]sf ;fdfGo dfu{bz{gx? M

s_ of] lgb]{lzsf :jfldTjsf] ;'/Iff (security of tenure) sf] l;4fGtdf cfwfl/t eO
cfjf; Aoj:yf pknAw u/fpg] p2]Zon] tof/ kfl/Psf] xf] .
v_ of] lgb]{lzsfn] cgf}krfl/s a:tLx?sf zx/L u/Lax?sf] lgldQ cfjf;sf] clwsf/ ;DalGw
cjwf/0ff ckgfpg]5 .
u_ of] lgb]{lzsfn] zx/L u/Lax?nfO{ zx/L ;]jfx?df cfˆgf] Ifdtf, ;Lk / ;fwgx?n]
of]ubfg k'¥ofpg] dxTjk"0f{ ;f´]bf/sf] ?kdf x]b{5 . o;af6 zx/L cy{tGqnfO{ 6]jf k'Ug'sf]
;fy} zx/L hLjgdf ;f+:s[lts lalawtf / ultlzntf ;d]t klg k|bfg ub{5 .
3_ o; lgb]{lzsfn] zx/L u/Lax?sf] cfjf; 3/sf] r/0fa4 :t/f]Gglt u/L ltgsf] hLjgsf]
cj:yfdf ;'wf/ Nofpg ;xof]u k'¥ofpg]5 .
ª_ cgf}krfl/s tyf cJojl:yt a:tLx?nfO{ ljz]if kl/l:yltdf afx]s j}slNks Joj:yf ljgf
hah{:tL lgisfzg gug]{ gLlt cjnDag ug]{5 .
r_ zx/L u/Lax?sf] cfjf;sf sfo{qmdx? th'{df ubf{ of]hgf, sfof{Gjog tyf d"Nofsg /
cg'udg h:tf ;a} dxTjk"0f{ kIfx?df ;d'bfosf] laif]ztM dlxnfx?sf] ;xeflutfnfO{
k|fyldstf lbg]5 .
5_ oL ultljlwx?df gu/kflnsf, u}/ ;/sf/L ;+:yf -u};;_, ;fd'bflos ;+:yf -;LjLcf]_
nufot ;/f]sf/jfnf tyf ;/sf/n] pTk|]/s tyf ;xhstf{sf] e"ldsf lgefpg]] 5 .
h_ of]hgf th{'df, sfof{Gjog tyf lg0f{o ug]{ clwsf/ zx/L :yfgLo lgsfo tyf ;d'bfodf
ljs]lGb|t ug]{5.
´_ ;d'bfo, :yfgLo lgsfo, s]Gb|, lhNnf txsf ;/sf/L lgsfo tyf cGo ;DalGwt
;+u7gx?aLr ;f´]bf/Ldf sfo{ ug]{ k4lt ckgfOg]5 .
`_ ;d'bfonfO{ nlIft ubf{ ;fdflhs ?kdf lje]bdf k/]sf tyf lakGg ju{nfO{ u/La pGd'v
;sf/fTds ljlwaf6 ;dfj]zL tl/sfn] ;xof]u k'¥ofOg]5 .
6_ cg';"rL # -of]hgf tyf ejg l8hfOg dfgs_cg'?k Gogtd cfjf; dfkb08 ckgfOg]5 .
7_ zx/L cfjf; k|bfo ;DalGw ;du| vfsf lrqdf b]vfOPsf] 5 . lrqdf b]vfOPh:t} o;
lgb]{lzsfn] lgDg cfo ePsf tNnf] tKsfsf] ;d'bfo vf;u/L :jfldTjsf] k|df0f lagf

5
 cgf}krfl/s a:tLdf a:g] u/La ;d'bfosf] cfjf; cfjZostfnfO{ ;+af]wg ug{ sf]lz;
ul/Psf] 5 .

lrq !M zx/L cfjf; k|bfo ;DaGwL ;du| vfsf

lghL If]qaf6 x'g] cfjf;

ljsf;nfO{ k|]l/t ug]{
pRr cfo ju{

cfjf; ljQ ahf/nfO{ ;/nLs/0f

ug]{
dWod cfo ju{

cfjf;sf] Go"gtf axfnsf÷u}/ gfkmfd"vL÷;:tf]

-cg'bfg;lxtsf]_, r/0fa4 lgdf{0f
lgDg cfo ju{ cflb cfjf;sf lasNkx?sf]
ljsf; jf k|j4{g ug]{

8_ cfjf; lgdf{0fsf] nflu ;fdu|L jf k|lalw k|of]u ubf{ jftfj/0f d}qL, nfut k|efjsf/L tyf
pmhf{ lskmfotL ejg lgdf{0f ;fdu|L tyf k|ljlwsf] k|of]u ug]{ tk{m pko'Qm gLltut
pkfox? ckgfOg] 5 .
9_ lgdf{0f Joj;fodf ;+nUg OlGhlgo/ tyf cGo k|fljlws hgzlQm, 8sdL{, lgdf{0f ;Dj4
sfdbf/ tyf lgdf{0f Joj;foL cflbnfO{ nfut k|efjsf/L tyf ejg lgdf{0fsf gf}nf
;fdu|L tyf k|ljlwsf] k|of]usf] If]qdf tflnd ;+rfng u/L bIf tyf lgk'0f hgzlQm ljsf;
ul/g]5 .
0f_ cg';"rL # df pNn]v ul/Psf Go"gtd dfgs tyf dfkb08 -gd{; P08 :6f088{_ cg';f/
cgf}krfl/s a:tLx? nufot zx/L u/Lax?sf] nflu k|bfg ul/g] cfjf;df lghL cfjf;
ljsf;stf{ Pjd\ lgdf{0f sDkgLx?n] kfngf ug{' kg]{ u/L pko'Qm dfgs tyf dfkb08 -
gd{; P08 :6f088{_ lgwf{/0f ug]{ tyf pko'Qm pTk|]/0ff k|bfg ug]{ .
t_ laleGg sf/0fn] la:yflkt jf la:yfkg x'g] of]hgfdf /x]sf kl/jf/x? jf /f]huf/L tyf
cGo cj;/x?sf] vf]hLdf zx/df cfpg] cfk|af;L -dfOu|]G6_ ul/ax?n] pko'Qm cfjf;
gkfP ;Ddsf] nflu c:yfoL 5f]6f] cjlwsf] nflu -;+qmd0fsfnLg_ cfjf; k|bfg ug{
cfjZos pko'Qm pkfo cjnDag ul/g]5 .
y_ lghL tyf ;fj{hlgs hUufdf u}/ sfg"gL 9+un] x'g] cltqmd0f /f]Sg / o;/L a;f]af;
ug]{x?nfO{ lg?T;flxt ug{ ;f] sfo{x? x'g' cufj} pko'Qm sfg"gL pkfox?sf] ;fy}
lgif]wfTds k|zf;lgs sfo{x? ug]{ .
b_ zx/L u/Lax? ljz]if u/L zx/L cgf}krfl/s a:tLsf afl;Gbfx?sf] nflu cfjf; k|bfg ug{
th{'df ul/g] /fli6«o:t/sf] sfo{qmd sfof{Gjog ug]{ tk{m k|d"v lgsfosf] ?kdf zx/L
ljsf; tyf ejg lgdf{0f ljefu / sf7df8f}+ pkTosfsf] xsdf sf7df8f}+ pkTosf lasf;
k|flws/0f x'g] u/L pko'Qm ;+:yfut ;+oGqsf] lgdf{0f tyf sfof{Gjog ug]{ .
!=&= gLlt lgb]{lzsf ;~rfngsf] lgldQ cawf/0ffTds vfsf -df]8n_ cg';"rL ! df lbOPsf] 5 .
6
 kl/R5]b – @
a[xt\ cjwf/0ff
@=!= ;+lIfKt zLif{s M
o; lgb]{lzsfnfO{ …zx/L u/La cfjf; sfo{qmdÚ ;~rfng lgb]{lzsf elgg]5 .

@=@= nlIft ;d"x M

k|:tfljt …zx/L u/La cfjf; sfo{qmdÚ af6 nfeflGjt x'g] nlIft ;d"xx?df k|ydtM zx/L If]qsf]
:jfldTj lagfsf] cgf}krfl/s a:tLx?sf] c:j:ys/ aftfj/0fdf cJojl:yt a;f]af; ul//x]sf
u/La g]kfnL gful/s x'g]5 .

lrq g+= @ M nfeflGjt au{ jf jt{dfg nlIft ;d"x .

cJojl:yt
a:tL

zx/L u/La

;'s'Daf;L

cgf}krfl/s
a:tL

lrqdf bzf{OP cg';f/ o; sfo{qmdsf] nlIft ;d"x zx/L u/La dWo

lagf :jfldTjsf] cgf}krfl/s a:tLx?df cJojl:yt cj:yfdf a;]sf
;d'bfo kb{5 . o:tf a:tLx? w]/}h;f] af9L klx/f]sf] eo ePsf gbL
lsgf/ jf klx/f] hfg;Sg] clt ;+a]bglzt If]qx?df /x]sf 5g\ .
elaiodf g]kfnsf zx/L If]qdf a;f]af; ug]{ ;Dk"0f{ u/La JolQm Pj+ kl/jf/x?nfO{ ;d]6g] u/L o;
sfo{qmdnfO{ la:tf/ ug{ ;lsg]5 .

@=#= kl/efiff M
æsfo{qmdÆ eGgfn] o; lgb]{lzsf cg';f/ sfof{Gjog x'g] …zx/L u/La cfjf; sfo{qmdÚ nfO{
hgfpg]5 .

ækl/jf/Æ eGgfn] ;uf]ndf a;]sf Pp6} r'Nxf] k|of]u ug]{ klt kTgL tyf cfdfafa' / gfaflnu
5f]/f5f]/Lx?nfO{ hgfpg]5 .
7
æzx/L u/LaÆ eGgfn] ;fwf/0ftof s]Gb|Lo tYofÍ ljefun] ;g\ @)!! df k|sflzt …g]kfn hLjg
dfkg ;j]{If0fn]Ú kl/eflift u/] cg';f/ u/LaLsf] /]vf eGbf tn /x]sf / dxfgu/kflnsf,
pkdxfgu/kflnsf jf gu/kflnsfsf] cgf}krfl/s÷c:j:ys/ a:tLx?df a;f]af; ul//x]sf cfly{s
?kdf sdhf]/ ;fdfGotM cgf}krfl/s If]qdf lgDg:t/sf] zf/L/s >ddf lge{/ ul//x]sf JolQm jf
kl/jf/ ;d]6\b5 . o:tf AolQm jf kl/jf/sf] cfly{s l:ylt u/LaLsf] /]vf d'lg (BPL) jf cfly{s
?kdf sdhf]/ (EWS), jf lgDg cfoau{ (LIG) x'g ;Sg]5 .

æu/LaL :t/Æ eGgfn] cg';"rL @ df lbOPcg';f/ u/LaLsf] /]vfd'lgsf] cfo ePsf jf cfly{s ?kdf
sdhf]/ jf lgDg cfoju{sf cfo:t/nfO{ hgfpFb5 .

æ;ldltÆ eGgfn] o; lgb]{lzsfsf] a+'bf (=! df bzf{OP cg';f/ zx/L u/Lax?sf] nflu
cfjf;÷cfjf; sfo{qmd cflb;Fu ;DalGwt cfof]hgfsf] klxrfg, cg';Gwfg, lrGtg dgg,
;"rgf÷k|ltj]bg tof/ ug]{ cflb h:tf sfo{ ug{ cf}krfl/s ?kdf u7g ul/Psf] clwsf/o'Qm
AolQmx?sf] ;d"xnfO{ hgfpg]5 .

ælhNnf ;ldltÆ eGgfn] o; lgb]{lzsf cg';f/ u7g ul/Psf] zx/L u/La cfjf; sfo{qmd lhNnf
;ldltnfO{ hgfpg]5 .

ægu/kflnsf ;ldltÆ eGgfn] o; lgb]{lzsf cg';f/ u7g ul/Psf] zx/L u/La cfjf; sfo{qmd
gu/kflnsf ;ldltnfO{ hgfpg]5 .

æk|fljlws ;ldltÆ o; lgb]{lzsf cg';f/ ljefun] lgo'Qm ul/Psf lj1x?sf] ;d"xnfO{ hgfpg]5 .

æ;+:yfÆ eGgfn] zx/L u/La cfjf; a:tLsf afl;Gbf dWo]af6 :yfkgf ul/Psf ;xsf/L ;+:yf eGg]
hgfpg]5 .

ædGqfnoÆ eGgfn] zx/L ljsf; dGqfnonfO{ hgfpg]5 .

æljefuÆ eGgfn] zx/L ljsf; tyf ejg lgdf{0f ljefunfO{ hgfpg]5 . / sf7df8f}+ pkTosfsf]
xsdf o; lgb]{lzsf sfof{Gjogsf] xb;Dd sf7df8f}+ pkTosf lasf; k|flws/0fnfO{ ;d]t
hgfpg]5 .

ædfnkf]t clws[tÆ eGgfn] ;DalGwt dfnkf]t sfof{nodf k|d'v eO{ sfo{ ul//x]sf k|d'v dfnkf]t
clws[t jf dfnkf]t clws[tnfO{ hgfpg]5 .

ægfkL clws[tÆ eGgn] ;DalGwt gfkL sfof{nodf k|d'v eO{ sfo{ ul//x]sf] k|d'v gfkL clws[t jf
gfkL clws[tnfO{ hgfpg]5 .

æcgf}krfl/s a:tLÆ eGgfn] cf}krfl/s ?kdf cfˆgf] :jfldTjdf g/x]sf] hUuf / ;DklQdf
a;f]af; ub}{ cfPsf] Pj+ sfg"gL a}wflgstf k|fKt gePsf a:tLnfO{ hgfpFb5 .

æcJojl:yt a:tLÆ (slum) eGgfn] c:j:Yos/ Pj+ ;fdfGotM hLjgofkgsf] nflu cg'ko'Qm
v:s]sf] cj:yfsf] a:tLnfO{ a'´fpF5

æ;d'bfoÆ eGgfn] cgf}krfl/s a:tL If]qdf sfo{/t ;+:yfx?n] pQm If]qdf a;f]af; ug]{ afl;Gbfx?
dWo]af6 u7g u/]sf] ;d"xnfO{ hgfpFb5 .

8
æ;/f]sf/jfnfÆ eGgfn] o; sfo{qmdk|lt ?rL ePsf tyf o; sfo{qmddf k|ToIf jf k/f]If ?kn]
;+nUg ePsf JolQmx?nfO{ hgfpg]5 .

æC0fLÆ eGgfn] C0f kmsf{pg] ;d´bf/L jf k|ltj4tf hfx]/ u/L cfjf; 3/sf] nflu C0f lng]
JolQmnfO{ hgfpg]5 .

æhdfgL lbg] JolQmÆ eGgfn] C0f jf shf{ ltl/g]5 eGg] k|ltj4tf ;'lglZrt ug]{ JolQm jf
dflg;x?sf] ;d"x jf ;d'bfonfO{ hgfpg]5 . C0f jf shf{ lng] JolQmn] C0f glt/]df hdfgL a:g]
o;sf] nflu lhDd]jf/ x'g]5 .

ænfeu|fxLÆ eGgn] o; sfo{qmaf6 nfeflGjt x'g] nlIft ;d"xnfOP a'emfp+b5 .

æsa'lnotLÆ eGgfn] tf]lsPsf] ;t{df ef]uflwsf/;Dd /x]sf] hUuf a'efpFb5 .

9
 kl/R5]b – #
nfeu|fxL ju{ klxrfgsf] nflu cfjZos ;t{x?
#=!= gful/stf / k|sf/ M j+zhsf] cfwf/df g]kfnL gful/s x'g'kg]{5 .

#=@= :yfg / a:tLsf] cjlw M ljgf /f]sfj6 c6'6 ?kn] cgf}krfl/s a:tLdf !) jif{ eGbf a9L a;]sf]
x'g'kg]{5 . JolQm jf kl/jf/n] cfk"m a;]sf] :yfg / cjlwnfO{ k'i6\ofpg] vfnsf] k|df0f k]z ug{'kg]{5
.

#=#= cfly{s cj:yf M o; sfo{qmdaf6 cfeflGjt x'g cfly{s ?kdf lgDgfg';f/sf] cfoau{ dWo x'g'
kb{5 .
-s_ u/LaLsf] /]vfd'lg
-v_ cfly{s b[li6n] sdhf]/ ju{
-u_ lgDg cfo ;d"x
oL cfo ju{sf] JolQm jf kl/jf/ cgf}krfl/s If]qdf jf clglZrt co;|f]tdf cfwfl/t lgDg cfo
x'g] c:yfoL k|s[ltsf] zf/Ll/s >dhGo k]zfdf ;+nUg ePsf] x'g'kg]{5 .

#=$= hUuf tyf 3/sf] :jfldTj ;DaGwL l:ylt M JolQm / p;sf kl/jf/sf ;b:ox?sf] :jfldTjdf /x]sf]
hUufsf] kl/0ffd / cjl:ylt klxrfg x'g' kg]{5 .

#=%= nfeu|fxLsf] juL{s/0f M

s_ o; lgb]{lzsf 3f]if0ff ePsf] ldltdf cgf}krfl/s a:tLdf !) jif{ c6'6 ?kn] a;f]af;
u/]sf sdhf]/ cfly{s cj:yf ePsf JolQm jf kl/jf/ o; zx/L u/La cfjf; sfo{qmdsf
k|fylds nfeu|fxL x'g]5 .
v_ ;ldltn] af9L, klx/f] jf e"sDk cflb h:tf k|fs[lts k|sf]ksf sf/0f hUuf jf 3/ u'Dg
uO{ 3/jf/laxLg eP/ lj:yflkt ePsf] kl/jf/, ;z:q åGåsf sf/0f lj:yflkt eO{ cfˆgf]
k'/fgf] 7fpFdf kms{g g;s]sf] cj:yfsf kl/jf/ jf ;+/IfsljxLg ^% jif{ dflysf Ho]i7
gful/s, gfaflns lzz' ;lxtsf Psn cfdf, cgf}krfl/s a:tLdf a;f]af; ub}{ cfPsf
bL3{/f]uL nufot Hofb} ;+j]bgzLn / cefj/t b'MvL JolQm jf kl/jf/nfO{ dfWolds
nfeu|fxLsf] ?kdf klxrfg ul/g]5 .
u_ k|fylds nfeu|fxLnfO{ lgDg pNn]v ul/P cg';f/ ljleGg bhf{df juL{s/0f ug]{5.
…sÚ bhf{sf nfeu|fxL eGgfn] d'n'se/ 3/hUuf gePsf cgf}krfl/s a:tLsf JolQm jf
kl/jf/nfO{ hgfpg]5 .
…vÚ bhf{sf nfeu|fxL eGgfn] b]ze/ hUuf / 3/ gePsf cfly{s b[li6n] sdhf]/ JolQm jf
kl/jf/nfO{ hgfpg]5 .
…uÚ bhf{sf nfeu|fxL eGgfn] b]ze/ hUuf / 3/ gePsf lgDg cfo ju{÷;d"xsf JolQm
jf kl/jf/nfO{ hgfpg]5 .
…3Ú bhf{sf nfeu|fxL eGgfn] cfˆgf] lhNnfleq -jf sf7df8f}+ pkTosfsf] xsdf pkTosf
leq _ / lgs6 lhNnfx?df hUuf / 3/ gePsf u/LaLsf] /]vfd'gL /x]sf JolQm jf
kl/jf/nfO{ hgfpg]5 .
…ªÚ bhf{sf nfeu|fxL eGgfn] cfˆgf] lhNnfleq -jf sf7df8f}+ pkTosfsf] xsdf
pkTosfleq_ / lgs6 lhNnfx?df hUuf jf 3/ gePsf cfly{s b[li6n] sdhf]/ JolQm
/ kl/jf/ jf u/LaLsf] /]vfd'gL /x]sf ;DalGwt gu/kflnsf jf hf]l8Psf uflj;df jf
sf7df8f}+ pkTosfsf] xsdf pkTosfleq hUuf jf 3/ gePsf JolQm / kl/jf/nfO{
hgfpg]5 .
…rÚ bhf{sf nfeu|fxL eGgfn] cfˆgf] lhNnfleq -jf sf7df8f}+ pkTosfsf] xsdf
pkTosfsf] # lhNnf_ / hf]l8Psf lhNnfx?df hUuf jf 3/ gePsf lgDg cfo ju{sf
JolQm jf kl/jf/ jf u/LaLsf] /]vfd'lg /x]sf ;DalGwt gu/kflnsf jf hf]l8Psf
10
 uflj;df jf pkTosfleq -sf7df8f}+ pkTosfsf] xsdf_ hUuf jf 3/ gePsf JolQm /
kl/jf/nfO{ hgfpg]5 .
…5Ú bhf{sf nfeu|fxL eGgfn] sf7df8f}+ pkTosfsf] xsdf pkTosfdf, jf gu/kflnsf jf
hf]l8Psf uflj;df hUuf jf 3/ gePsf lgDg cfo ju{sf JolQm jf kl/jf/nfO{
hgfpg]5 .

tflnsf ! M nfeu|fxLsf] juL{s/0f

cfosf] l:ylt u/LaLsf] /]vfd'lgsf] au{ cfly{s b[li6n] lgDg cfo ju{
hUuf :jfldTjsf] l:ylt sdhf]/ ju{
b]ze/ s'g} hUuf jf 3/ gePsf] …sÚ bhf{sf …vÚ bhf{ …uÚ bhf{

lhNnfleq s'g} hUuf jf 3/ gePsf] …3Ú bhf{ …ªÚ bhf{ …rÚ bhf{
-jf sf7df8f}+ pkTosfsf] xsdf
pkTosfleq_ / hf]l8Psf
lhNnfx?df
lhNnfleq s'g} hUuf jf 3/ gePsf] …ªÚ bhf{ …rÚ bhf{ …5Ú bhf{
-jf sf7df8f} pkTosfsf] xsdf
pkTosfleq_

s_ nfeu|fxL ju{sf] klxrfgsf] nflu tf]lsPsf] 9fFrfdf lgj]bsn] cfjZos ;"rgf lbg'kg]{5 .
v_ b/vf:tdf k|:t't ul/Psf ljj/0fx?sf] /fd|f] 5fgjLg / hfFrk8tfnkl5 tf]lsPsf] 9fFrfdf ;ldltn]
æzx/L u/La nfeu|fxL kl/rokqÆ ljt/0f ug]{5 .
u_ olb k]z ul/Psf ljj/0fx? ´'¶f 7xl/Pdf s'g}klg a]nf To:tf kl/rokq ;ldltn] jfk; lvRg
;Sg]5 . ;fy} k|bfg u/]sf] nfe hkmt u/L eljiodf o; sfo{qmd cGtu{t k|bfg ul/g] s'g} klg
nfeaf6 lgif]w ug{'sf] cnfjf sfnf] ;"rLdf /fVg ;Sg]5 .

11
 kl/R5]b – $
klxrfg k|lqmofsf] nflu ckgfOg] k|lqmof

$=!= æzx/L u/La cfjf; sfo{qmdÆ sfof{Gjogsf] nflu ;ldltn] rf/ lsNnf ;lxt If]q klxrfg ug]{5 .
$=@= o; lg0f{osf] cfwf/df ljefun] ;"rgf k|sflzt u/L nfeflGjt x'g] ;DefJo ju{sf AolQmaf6
ljefusf] ;DalGwt lhNnf sfof{nodf tf]lsPsf] ldltleq b/vf:t lbg cfXjfg ug]{5 . o:tf]
cawL klxnf] ;"rgf k|sflzt ePsf] ldltn] slDtdf #) lbg eGbf 36L gx'g] u/L ;"rgf k|sflzt
ug]{5 .
$=#= tf]lsPsf] If]qsf nfeflGjt x'g] ;DefJo ju{sf ;+k"0f{ AolQmnfO{ lgj]bg lbg clek|]l/t ug{sf] nflu
To; If]qdf sfo{/t u}/ ;/sf/L ;+:yfx? / ;d'bfodf cfwfl/t ;+:yfx? ;d]tnfO{ kl/rfng u/L
Aofks k|of; ug{ ;Sg]5 .
$=$= o; ;'ljwfsf] nflu of]Uo JolQm jf kl/jf/n] lgDgfg';f/sf] ;"rgf ;lxt JolQm cfk}m pkl:yt eO{
lgj]bg lbg'kg]{5 .
-s_ j+zhsf] gftfn] g]kfnL gful/s xf] jf xf]Ogg\, olb xf] eg] gful/stfsf] k|df0fkq k|fKt
u/]sf] 5 jf 5}g .
-v_ a;fOFsf] cjlw / cGo lj:t[t ljj/0f ;lxt a;f]af; /x]sf] cJojl:yt a:tLsf] laa/0f .
-u_ ;fGble{s sfuhft h:t} zx/L ;]jf ;'ljwf h8fgsf k|dfl0ft sfuhftx? / pknAw ePdf
To; If]qdf a;f]af; ub}{ cfPsf cGo k|df0fx? .
-3_ ;fGble{s sfuhft h:t} u/La kl/jf/sf] kl/rokq, :yfgLo lgsfo jf g]kfn ;/sf/af6
k|bfg ul/Psf l;kmfl/; kqx? cflb .
$=%= tf]lsPsf] ldltleq lgj]bg glbg] cgf}krfl/s a:tLdf a;f]af; ug]{ To:tf JolQmn] cfk"m a:b}
cfPsf] cgf}krfl/s a:tL lgj]bg lbg] clGtd ldltaf6 #) lbgleq vfnL u/L 5f8\g' kg]5 { .
$=^= o;/L ;+slnt lgj]bg / ljj/0fx? 5fglagsf] nflu gu/kflnsf ;ldltn] ;DalGwt
dGqfno÷ljefu÷sfof{nodf k7fpg]5 . ;DalGwt d+qfno. laefu. sfof{non] ;"rgf÷ljj/0fx?
k|fKt ePsf] ldltn] #% lbg leq cfjZos 5flag u/L ;DalGwt ;ldlt ;dIf lnlvt ?kdf hjfkm
k7fpg]5 .
$=&= gu/kflnsf ;ldltn] lgj]bgdf lbOPsf ljj/0fx?sf] yk ;'Id k/LIf0fkl5 tf]lsPsf] 9fFrfdf
æzx/L u/La cfjf; nlIft kl/ro kqÆ k|bfg ug]{5 . o;sf] lgldQ k|fljlws ;ldltaf6
gu/kflnsf ;ldltn] cfjZos ;xof]u lng ;Sg]5 .
$=*= olb k]z ul/Psf ljj/0fx? ´'¶f 7xl/Pdf To:tf kl/rokq ;ldltn] jfk; lvRg ;Sg]5 . k|bfg
ul/Psf nfe tyf ;'ljwfx? hkmt ug{ ;Sg]5 / eljiodf o; sfo{qmd cGtu{t k|bfg ul/g] s'g}
klg kmfObfaf6 lgif]w ug{'sf] ;fy} o:tf JolQmnfO{ sfnf] ;"rLdf /fVg ;Sg]5 .
$=(= kl/rokq k|fKt ug{ of]Uo gePsf jf sfnf] ;"rLdf k/]sfx?n] ;"rgf kfPsf] ldltn] #) lbgleq
cfk"mn] cf]u6]sf] cJojl:yt a:tLsf] 7fpF vfnL u/L 5f8\g' kg]{5 .

12
 kl/R5]b – %
cfjf; Kofs]h
sf7df8f}+ pkTosf / cGo clws dfqfdf zx/Ls/0f eO/x]sf s]Gb|x?df ljBdfg cgf}krfl/s zx/L
a:tLx?sf] lalawtf Pjd\ ljz]iftfx?n] km/s km/s ;dfwfgsf pkfox?sf] dfu ub{5 . o:tf cfjf;
Kofs]hsf k|sf/x? tn k|:t't ul/Psf] 5 .

%=!= :t/f]GgtL Kofs]h

ljBdfg cgf}krfl/s a:tLx?nfO{ ;f]xL :yfgdf of]hgfa4 9+un] cfjf; tyf k"jf{wf/x?sf] :t/
;'wf/ ug]{ sfo{ o; Kofs]h cGtu{t ul/G5 . o; cGt{ut lgDg Ps jf a9L sfo{x? kb{5g\ M
s_ cgf}krfl/s a:tLsf afl;Gbfx?sf] af;sf] clwsf/ ;'lglZrt ug]{ .
v_ gof 3/ agfp+bf cfwf/e"t ;'ljwfx? h:t} M vfg]kfgL tyf ;/;kmfO{, lah'nL cflbsf]
Joj:yf ug]{ jf klxn] g} ag]sf 3/x?df oL ;'lawfx? pknAw u/fO{ 3/sf] :t/f]GgtL ug]{ .
u_ ;xeflutfd"ns ;fd'bflos ljsf; of]hgf th{'dfsf] cfwf/df cToGt sl7g Pj+ hf]vLd
cj:yfdf /x]sf afl;Gbfx?nfO{ ;fd'lxs ;'ljwfx? -;fd'bflos ejg, v]n d}bfg cflb_,
;fdflhs ;]jfx? -lzIff tyf :jf:Yo pkrf/_ / ;d'bfosf] Joj:yfkgdf ul/g] cGo
sNof0fsf/L ;]jfx? pknAw u/fpg] .
3_ of]hgf / l8hfOg dfkb08 -cg';"rL #_ sf] cfwf/df a;f]af; :ynsf] ;3lgs/0f
(densification) ug]{ p3]Zon] laBdfg 38]/Lx? Pj+ ;8s k|0fnLnfO{ k'gJoj:yfkg ug{
la:t[t :ynut of]hgf (overall site plan) th'{df ug]{ .
ª_ a:tLsf afl;Gbfx?sf] cfly{s cj:yfdf ;'wf/ Nofpgsf] nflu ;fgf Jofkf/ tyf
/f]huf/Lsf] cj;/x? l;h{gf ug{ Jofj;flos lasf; of]hgf th{'df ug]{ .

%=@= k'gjf{; Kofs]h M

o; Kofs]h cGt{ut af9L, e"–Ifo / cGo hf]lvddf /x]sf ljBdfg a:tLx?nfO{ of]hgfa4 tl/sfn]
pko'Qm 7fpFdf k'gjf{; u/fOg]5 . l:ylt x]/]/ o; Kofs]h cGt{ut k"jf{wf/ ;lxtsf] JolQmut
cfjf; jf ckf6{d]G6 pknAw u/fpg ;lsG5 . o:tf] of]hgf nfeu|fxLx?sf] ;xeflutfdf /
pgLx?sf] ;fd'bflos ;+:yfx?, :yfgLo gu/kflnsf, cGo ;/f]sf/jfnf ;+3 ;+:yf /
;/f]sf/jfnfx?sf] ;+nUgtfdf ug{ ;lsG5 .

%=#= lx:;]bf/L Kofs]h M

o; Kofs]hdf cl3Nnf b'O{ ljsNkx?sf /fd|f kIfx? ;d]l6Psf 5g\ . t;y{ cgf}krfl/s zx/L
a:tLx?sf] :t/f]GgtL Pj+ ;3lgs/0fsf] nflu of] Pp6f dxTjk"0f{ gLltut lasNk x'g ;Sb5 .
ljBdfg a:tLsf] cj:yfsf] cfwf/df o; Kofs]h cGtu{t lgDg ljsNkx? /xg ;Sb5g\ .
s_ xfn al;/x]sf] :yfgsf] ;Dj]bgzLntfnfO{ Wofgdf /fvL gof :yfgdf :yfgfGt/0f ubf{
;fl/g] kl/jf/x?sf] aLrdf bfdfzfxLn] hdLgsf] lx:;]bf/L sfod ug]{ .
v_ cJojl:yt a:tLdf lghL hdLg klg k/]sf] cj:yfdf pQm hdLgsf] s]xL efu jf:tljs
hUuf wgLnfO{ lkmtf{ ug]{ u/L b'j} kIfnfO{ lrQ a'´\g] tl/sfn] hdLgsf] afF8kmfF8 ug]{ .
u_ cJojl:yt a:tL a;]sf] hldgsf] k'gof{]hgf -l/Knl6u+_ tof/ u/L a9L ePsf] hdLg laqmL
ug]{ . o;/L laqmLaf6 cfPsf] /sd cJojl:yt a:tLsf] ;'wf/sf] nflu pkof]u ug]{ .
3_ xfn ;~rfngdf cfPsf gof hUuf PsLs/0f sfo{qmddf % b]lv !) k|ltzt ljsl;t
38]/L zx/L u/Lax?s] nflu 5'§ofpg] / o:tf] 38]/L cgf}krl/s a:tLsf afl;Gbfx?aLr
pknAw u/fpg] .

%=$= ;fO6 P08 ;le{; Kofs]h M

o; Kofs]h cGt/ut ;/sf/n] cfwf/e"t k"jf{wf/ tyf ;'lawfo'Qm 38]/Lx? pknAw u/fpg 38]/L
Pj+ ;]jf / ;'lawf cfof]hgx? (site and service schemes) ;+rfng ug{ ;Sb5 . of]hgfa4 tl/sfn]
cfjZos k"jf{wf/x? ljsf; u/L ;/sf/n] hdLg tyf cfjZos k"jf{wf/x? lgdf{0f4f/f ;'lawfo'Qm
13
 Kn6x? ljsf; ug]{5 . o;/L ljsl;t 38]/Lx? pknAw ePkl5 3/wgL cfk}mn] ;/sf/L lgsfoaf6
cfjZos k|flalws, ;fdlu|ut / cfly{s ;xof]u k|fKg u/L cfˆgf] 3/ lgdf{0f ug]{5 .

of] Kofs]hsf] p2]Zo pko'Qm, cf}sft cg';f/sf] cfjf; Joa:yf ug{] lhDd]jf/L ;/sf/ /
nfeu|fxLaLr afF8kmfF8 ug'{ /x]sf] 5 . lhDd]jf/L afF8kmfF8sf] k|s[ofx? cfof]hgf cg'?k km/s x'g
;Sb5 . of] Kofs]hn] k'gjf{;sf] cfjZostf k"/f ug{ ;d]t ;Sg]5 . t;y{ of] Kofs]hnfO{ pk/f]Qm
%=@ a'Fbf;Fu klg ;Da4 u/L x]g{ ;lsG5 .

%=%= axfn cfjf; Kofs]h M

o; Kofs]]hsf] p2]Zo gLlh / ;/sf/L tj/af6 zx/L ul/ax?sf] nflu pko'Qm x'g] ljleGg k|sf/sf
axfnsf cfjf;x?sf] cfk"lt{ ug{' xf] . axfnsf] cfjf; lgDg tl/sfn] pknAw x'g ;Sb5 M
s_ ;/sf/L jf lghL If]qaf6 3/ lsGg g;Sg]x?sf] cfjf;sf] nflu pko'Qm axfn sf]7fx?
pknAw u/fpg ;xlhs/0f ug]{ .
v_ sfd ug]{ :yfg lgs6 pko'Qm :yfgdf ;/sf/L / lghL If]qn] -cf}krfl/s tyf
cgf}krfl/s b'j}_ cf}sft cg';f/sf] ef8f÷axfnsf cfjf; OsfOx? k|bfg ug]{ .
u_ axfndf a:g] / axfndf lbg] b'j}sf] lxtnfO{ ljrf/ u/L :ki6 gePsf / g;d]l6Psf
axfnsf 3/;+u ;DalGwt laifox?sf] gLltut pkfox?åf/f ;Daf]wg ug]{ .
3_ pko'Qm sfg"gL k|lqmofåf/f hUuf tyf cfjf; axfnsf ahf/nfO{ lgodg ug{ cfjZos
pkfox? cjnDag ug]{ .
ª_ o; If]qdf gLlh If]qsf] nufgL k|j4{g ug{ cfjZos gLltut pkfox? ckgfpg] .

%=^= lghL If]q cfjf; ljsf; Kofs]h M

o; Kofs]hn] lghL If]qåf/f ;~rflnt hUuf tyf cfjf; ljsf; cfof]hgfdf zx/L u/Lax?sf]
nflu cfjf; k|bfg ug]{ p2]Zo /fv]sf] 5 . gLlhIf]qsf cfjf; sDkgLx?n] ;+:yfut ;fldflhs
lhDd]jf/L (corporate social responsibility) n] k|bfg u/]sf gLltut Joj:yf cGt/ut lgDg
k|sf/n] cfjf; pknAw u/fpg ;Sb5g\M
s_ gLlh ?kdf ;+rflhg ul/g] hUuf lasf; cfof[hgfx?df lasl;t 38]/L dWo] !) k|ltzt
38]/L zx/L u/Lasf nflu 5'6\ofpg] .
v_ lglh cfjf; lasf;stf{n] lgdf{0f ug]{ cfjf; OsfOx? dWo] !) k|ltzt ;fdfGo lgdf{0f
;fdu|L k|of[u u/L s|; ;lA;l8 sf] dfWodaf6 ;'ne d"Nodf zx/L u/Lasf kl/jf/x?nfO{
pknAw u/fpg] .

%=&= ;+qmd0fsfnLg cfjf; Kofs]h M

o; Kofs]hn] /f]huf/L tyf cGo cj;/x?sf] nflu zx/L If]qx?df a;fOF ;/L cfpg] u/La tyf
ljleGg of]hgfx?sf] sf/0f la:yflkt ePsf jf x'g ;Sg] kl/jf/x?n] pko'Qm cfjf; gkfP;Dd
cfwf/e"t ;'ljwfx? ;lxtsf c:yfoL ;+qmd0fsfnLg cfjf; jf 5fqfjf; lgdf{0f ug{'nfO{ a'´fpg]5
. /fli6«o cfjf; gLlt, @)!@ df pNn]v eP cg';f/ c:yfoL cfjf; k|bfg ug]{ ;DaGwL Joj:yf
lgDgfg';f/ x'g ;Sb5g\ M
s_ lj:yflkt kl/jf/x?nfO{ k'gjf{; SofDk tyf :yfoL 3/x?df a;f]af; gu/fP;Dd tTsfn
/fxt pkfosf] ?kdf s]xL ;dosf] nflu c:yfoL ;+/rgfsf] ?kdf 5fk|f] jf 6x/f pknAw
u/fOg] 5 .
v_ lj:yflkt kl/jf/x?sf] nflu tTsfn /fxt pkfosf] ?kdf c:yfoL cfjf; pknAw
u/fpgsf] nflu pko'Qm dfkb08 tyf cfsl:ds of]hgf th{'df ug]{ .
u_ c:yfoL cfjf; OsfOsf] nflu pko'Qm lgdf{0f k|ljlw cjnDag ug]{ tyf tTsfn k|of]udf
Nofpg ;lsg]u/L cfjZos lgdf{0f ;fdu|Lx?sf] pko'Qm e08f/0fsf] ;d]t Joj:yf
ldnfpg] .

14
 kl/R5]b – ^
of]hgf tyf ejg l8hfOg dfkb08

cg';"rL # sf] Dofl6«S; tflnsfdf lbOPsf] of]hgf tyf l8hfOg dfkb08sf cfwf/x? M
s_ pko'Qm a;f]af;sf] aftfj/0f l;h{gf x'g] u/L hdLgsf] dxQd pkof]u tyf clwstd
hg3gTj k|fKt ug]{ .
v_ ;fj{hlgs v'Nnf If]q tyf ;fd'bflos ;'ljwfx?df ;lhn} kx'Fr x'g] u/L # b]lv % tNnfsf]
ckf6{d]06 jf Ps÷b'O{ tNnfsf] /rgfTds tl/sfn] ejg l8hfOg ug]{ .
u_ of]hgf If]qdf cfwf/e"t k"jf{wf/ tyf ;]jfx? k|bfg ug]{ .
o;k|sf/ l;kmfl/; ul/Psf clwstd of]hgf tyf ejg l8hfOg gd{; cg';"rL # cg';f/
x'g]5 .

15
 kl/R5]b – &
zx/L u/Lasf] cfjf;sf] nflu e"ld Joj:yfkg
&=!= 38]/Lsf] If]qkmn
&=!=!= Psn cfjf; M nfeflGjt x'g] k|lt 3/w'/LnfO{ ! b]lv !=% cfgf;Dd If]qkmn cf]u6\g] sa'lnotL
-lnhxf]N8_ cfjf; OsfO k|bfg ul/g] 5 .
&=!=@= k+QmL3/ -/f] xfplhË_ M nfeflGjt x'g] k|lt 3/w'/LnfO{{ ! b]lv !=% cfgf;Dd If]qkmn cf]u6\g]
sa'lnotL -lnhxf]N8_ cfjf; OsfO k|bfg ul/g]5 .
&=!=#= hL±@ -e"OF tNnf / yk @ tNnf_ cyjf hL±$ -e"OF tNnf / yk $ tNnf_ lgjf; -pRr
hg3gTj ejg_ M cfjf;sf] l8hfOg cg';f/ nfeflGjt x'g]nfO{ cfjf; OsfOsf] sa'lnotL
k|bfg ul/g]5 .

&=@= ;8s tyf cGo v'Nnf If]qx? M

&=@=!= PDa'n]G; tyf cGo ;'/Iff ;DaGwL ;]jfx? k'/\ofpg cfjZos Go"gtd ;8ssf] cfsf/ sfod
ul/g]5 .
&=@=@= rf/ kfª\u|] lghL uf8Lx?sf] nflu af6f] k|ltalGwt ul/g] 5 .
&=@=#= cGo v'Nnf If]qx? of]hgf tyf ejg l8hfOg dfkb08 cg';f/ x'g]5 .

&=#= e":jfldTj ;DalGw ;+/rgfM

&=#=!= JolQmut cfjf; OsfO /x]sf] hUufsf] :jfldTj æg]kfn ;/sf/, zx/L u/La cfjf; sfo{qmdÆ
sf] gfddf x'g]5 .
&=#=@= ;ldltn] lg0f{o u/]cg';f/ k+lQm3/ -/f] xfplhË_ tyf hL±@ / hL±$ lgjf;sf] :jfldTj
æg]kfn ;/sf/ zx/L u/La cfjf; sfo{qmd jf ;xsf/L;+:yfdf /xg]5 .
&=#=#= …sÚ bhf{sf nfeflGjt x'g] ju{nfO{ klt kTgLsf] ;+o'Qm gfddf cfjf; OsfOsf] hLagsfn ;Dd
cljlR5Gg sa'lnotL k|bfg ul/g]5 .
&=#=$= cfjf;sf] nfutsf] cltl/Qm hUufsf] c+zsf] d"No :j?k sa'lnotL cfjf; OsfOsf] d'Nodf
;ldltn] lgDg cg';f/sf] /sd yk nfUg]5 .

tflnsf @ M cfjf;df hUufsf] c+zsf] jfkt z'Ns

nfeu|fxLsf] ;/sf/L b/sf] k|ltztsf] ?kdf :jfldTjsf] lsl;d
lsl;d z'Ns*
…sÚ bhf{ ) ;fd'lxs :jfldTjsf] l;ldt
sa'lnotL hUuf
…vÚ bhf{ !) P] P]
…uÚ bhf{ @) P] P]
…3Ú bhf{ #) P] P]
…ªÚ bhf{ $) P] P]
…rÚ bhf{ %) P] P]
…5Ú bhf{ &% P] P]

*5gf}6 ul/Psf hUufsf] nflu ;/sf/L k|To]s aif{sf] b//]6 dfnkf]t lgodfjnL @)#^ -lj=;=_ sf] lgod % -
v_ cg';f/ k|sflzt eP cg';f/ x'g]5 .

&=#=%= hUuf gfkhfFr lgodfjnL, @)%* sf] lgod $ -$_ cg';f/ lgjf; -6]gd]06_ sf] s]xL efu
nfeu|fxLsf] gfddf gfkL u/L sa'lnotLsf] ?kdf btf{ ul/g]5 .
&=#=^= ;ldltsf] lnlvt :jLs[lt lagf nfeu|fxLsf] :jfldTjdf /x]sf] cfjf; OsfO s'g} klg t];|f]
kIfnfO{ laqmL ug{ kfOg] 5}g . olb v'Nnf ahf/df pko'Qm cfjf; lsGg nfeu|fxLsf] cfly{s
l:ylt ;'lw|Psf] 5 eGg] s'/fdf ;ldltnfO{ lrQ a'´]df ;ldltn] To:tf cg'dlt lbg ;Sg]5 .
16
 gLh jf gLhsf] kl/jf/nfO{ eljiodf o; sfo{qmdaf6 k|fKt x'g] s'g}klg cfjf; ;DalGw
;'ljwfaf6 lgif]w ug]{ ;t{df ;ldltn] lgwf{/0f u/]sf] d"Nodf gLhn] cGo nfeu|fxL dWo]nfO
pQm cfjf; laqmL ug{ ;Sg]5 .
&=#=&= sa'lnotdf lng] b'j} jf ;a}sf] d[To' ePdf ;ldltn] pQm cfjf; OsfO kl/jf/sf] glhssf]
xsjfnfnfO{ x:tfGt/0f ug]{5 . olb glhssf] xsjfnf kl/jf/df Ps eGbf a9L b]lvPdf
cfly{s l:ylt tyf nfeu|fxL juL{s/0fsf] k|fyldstfsf] cfwf/df nfeu|fxL lgwf{/0f ul/g]5 .
olb ;a} xsjfnfx? nfeflGjt lgwf{l/t x'g] ju{ eGbf dflysf] cj:yfdf k'u]sf] ePdf ;ldltn]
pQm ;DklQ cfˆgf] :jfldTjdf lng]5 / cGo pko'Qm nfeu|fxL dWo] of]Uo kl/jf/nfO{ ;f]xL
cg';f/ k|bfg ug]{5 .
&=#=*= o; lgb]{lzsfdf pNn]v ePsf ;t{x?sf] cfwf/df dfWolds bhf{sf nfeu|fxLnfO{ ef8fsf
cfjf; k|bfg ug]{5 .
&=#=(= cg';"rL ! df j0f{g ul/P cg';f/ nfeu|fxLsf] cfly{s l:ylt cg';f/ gLhsf] cfosf] sl/a !%
b]lv #) k|ltzt eGbf a9L gx'g] ef8fb/df nfeflGjt x'g] kl/jf/nfO{ axfndf lbg] u/L
cfof]hgfsf] :jfldTjdf /x]sf] cfjf; OsfOx? ;ldltnfO{ k|bfg ug]{5 .
&=#=!)= olb To:tf cfjf; OsfOx? cfof]hgfsf] :jfldTjdf gePdf nfeu|fxLn] To:tf pko'Qm cfjf;
OsfO ahf/df vf]hL ug]{5 / 3/wgL, ;ldlt, nfeu|fxL / kl/jf/aLrsf] lqkIfLo ;D´f}tf
cGtu{t ;ldltsf] :jLs[ltdf axfndf lnOg]5 . o:tf]] :jLs[lt ;ldltn] k|bfg u/]sf] cj:yfdf
olb ;D´f}tfdf pNn]lvt axfnsf] /sd tflnsf $ df k|:tfljt ul/Psf] eGbf a9L ePdf
To:tf] cltl/Qm /sd cfof]hgfn] cfˆgf] sf]ifaf6 k|bfg ug]{5 .
&=#=!!= dfWolds nfeu|fxL au{sf lj:yflkt kl/jf/x/mnfO{ ;ldltn] pko'Qm axfn cfjf;sf] Joj:yf
gu/];Dd cfof]hgfn] o; sfdsf] nflu klxrfg u/]sf] c:yfoL cfjf;df Joj:yfkg ug]{5 .
&=#=!@= hUuf wgL / cgf}krfl/s a:tL sf afl;Gbfx? aLr hUuf afF8kmfF8 ug{ ul/Psf] ;D´f}tf
cfk}m pkl:yt eO{ :jLs[ltsf] nflu ;+o'Qm ?kdf lgj]bg lbg cfPdf lhNnf ;ldltn]
:jLs[ltsf] nflu ;ldltnfO{ l;kmfl/; ug{ ;Sg]5 . ;ldltsf] :jLs[ltkl5 lhNnf ;ldltn] lsQf
sf6 / hUuf btf{ ug]{5 / dfnkf]t clws[t tyf gfkL clws[tn] ;f]xL cg';f/ hUufsf] /]s8{
cWofjlws sfo{ ug]{5 . o; lsl;dsf] sf/f]af/df s'g} /lhi6]zg z'Ns nufOg] 5}g .

&=$= zx/L u/La cfjf;sf] nflu hUufsf] klxrfg

&=$=!= ;Dej eP;Dd nfeu|fxLnfO{ pgLx? a;]sf] If]qleq Joj:yfkg ul/g]5 .
&=$=@= nfeu|fxLx? al;/fv]sf] If]q af9L, klx/f], e"–Ifo cflb k|fs[lts k|sf]ksf] lx;fan] ;Dj]bgzLn
/x]sf] jf gbLsf] hnfwf/ If]qdf /x]sf] jf of]hgfsf] dfkb08 cg';f/ k|ltalGwt /x]sf] jf
;/sf/n] cGo cfof]hgfsf] nflu :jLs[lt k|bfg ul/;s]sf] If]q /x]sf] 5 eg] To:tf] cj:yfdf
cGo pko'Qm If]qdf :yfgfGt/0f ul/g]5 .
&=$=#= ;ldltn] cfjZos 7fg]df s'g} vfz cfof]hgf÷of]hgfsf] -:sLd_sf xsdf k|rlnt of]hgfsf]
dfkb08 ;+zf]wg ug{ ;Sg]5 . t/ To:tf] dfkb08sf] ;+zf]wg ;DalGwt ;+:yf jf ;+u7gsf]
;xdtL lagf ul/g]5}g .
&=$=$= lgDg lgb]{lzsf cg';f/ hUuf PsLs/0fsf] ljlw k|of]u u/L k|fljlws ;ldltn] cgf}krfl/s
a:tLx?nfO{ k'gM of]hgf agfO{ nfu" ug{ ;lsg]5M
-s_ :jtGq cfjf; OsfO / k+lQm3/ -/f] xfplhË_ sf] xsdf k|To]s 3/w'/L jf kl/jf/nfO{
cfjf; OsfOsf] nflu !=% cfgfdf ga9\g] u/L hUuf pknAw ul/g]5 .
-v_ olb cfjf; OsfOn] cf]u6]sf] If]qkmn !=% cfgf eGbf a9L ePdf, k|of]u nfos ePdf
cltl/Qm cfjf; ;ldltn] lg0f{o u/]sf] d"Nodf cfof]hgfn] lng]5 / ;f] cfjf; cGo
nfeu|fxLx?nfO{ lbOg]5 . o;/L c;'n ul/Psf] cltl/Qm cfjf;sf] /sd ;f]
nfeu|fxLnfO{ lbOg] cfjf; ;'ljwf dWo] hUuf afktsf] d"Nodf ;dfof]hg ul/g]5 .
-u_ k|fljlws ;ldltn] xfn cjl:yt cfjf; jf ejg dfkb08 adf]lhd g} /x]sf] 5 eGg]
:jLs[lt lbPdf o:tf cfjf; jf ejg hUuf PsLs/0fsf] cjlwdf cfof]hgf If]qdf
oyfjt ?kdf /flvg] 5 t/ dfkb08 eGbf tn /x]sf cfjf; jf ejg OsfOnfO{ cGoq
;fl/g]5 .

17
&=$=%= lghL jf ;/sf/L hUufdf a:b} cfPsf nfeu|fxLx?nfO{ cfjf;sf] Joj:yf ubf{ ;DalGwt hUuf
wgL;Fusf] ;xdltsf] cfwf/df hUufsf] afF8kmfF8 ug]{ sfo{ ;ldltn] ug]{5 . o; k|lqmofdf u}/
;/sf/L ;+:yf, ;d'bfodf cfwfl/t ;+:yf jf cGo gful/s ;dfhnfO{ ;xefuL x'g clek|]l/t
ug]{5 .

&=%= hUufsf] /lhi6]«zg tyf hUufsf] /]s8{ Joj:yf

&=%=!= o; lgb]{lzsfdf pNn]v eP cg';f/ nfeflGjt x'g] ju{nfO{ sa'lnotL k|bfg ug{ tyf hUuf
btf{ ug{ dfnkf]t P]g, @)%$ sf] wf/f & / wf/f @$ cg';f/ ;ldltdf clwsf/ lglxt x'g]5 .
&=%=@= sfo{qmd sfof{Gjogsf] nflu 5'§o\fOPsf] ;/sf/L hUufsf] xsdf ;ldltn] lgDg sfo{x? ug]{5g\
.
 hUufsf] ;Ldfgf klxrfg ug]{ .
 hUufsf] gfkL ug]{ -gfkhfFr_ / gS;f tof/ ug]{ .
 lkmN8 a's tof/ tyf Kn6 /lh:6/ tof/ ug]{ .
 hUuf btf{ ug]{, hUuf btf{ k|df0fkq -nfnk"hf{_ tof/ ug]{ tyf ltgsf] ljt/0f ug]{ .
&=%=#= ;ldltsf] lg0f{osf] sfof{Gjog u/L hUuf ;DalGw nut tyf gS;f cWofjlws /fVg] sfo{
dfnkf]t clws[t tyf gfkL clws[tsf] bfloTj x'g]5 .
&=%=$= ;ldltn] cfˆgf] clwsf/ lhNnf ;ldlt, dfnkf]t clws[t jf gfkL clws[tnfO{ k|Tofof]hg ug{
;Sg]5 / tL clwsf/Lx?n] cfk"mnfO{ k|bQ clwsf/ cg';f/ sfo{x? ug{'kg]{5 .

18
 kl/R5]b – *
ljQLo ljlwx?
*=!= sf]ifsf] ;|f]t M
pkwf/f *=@ -v_ df pNn]v ePsf] ;+:yfn] ;/sf/sf] ;xof]udf lgDg adf]lhd sf]if ;+sng tyf
kl/rfng ug{ ;Sg]5 .
s_ /fli6«o tyf cGt/f{li6«o ;/n C0f tyf cg'bfg,
v_ ljkGg ju{sf] nflu k|bfg ul/g] sf]ifsf] k"FhLs/0f ug]{
ljkGg JolQm÷;d"xnfO{ sd nfutsf 3/sf] nflu a}+s tyf ljQLo ;+:yfx? dfk{mt\ g]kfn
/fi6« a}+ssf] lgb]{zg adf]lhd ljkGg ju{÷If]qsf] nflu shf{ k|jfx gLlt cGtu{t ?= $
nfv;Ddsf] shf{ k|bfg ug{ ;Sg]5 . g]kfn /fi6« a}+sn] zx/L u/Lax?nfO{ cfjf; C0f
k|bfg ug{] ;+:yfx?nfO{ ;"lrs[t u/]/ cg'dlt k|bfg u/]df dfly pNn]lvt ljkGg
ju{÷If]qsf] nflu a}+s tyf ljQLo ;+:yfx?n] 5'§ofPsf] /sd o; sfo{df k|jfx ug{
;lsG5 .
u_ l8a]~r/ lgisfzg ug]{
l8a]~r/ k"FhL ;+sngsf] nflu ljQLo ;+:yfx?n] k|of]u ug]{ shf{ ;+oGq xf] . pko'Qm
cfjf; ljQ pknAw u/fpg] / o:tf] sfo{ la:tf/ ug]{ sfo{ ;/sf/sf] lhDd]jf/L ePsf]
;Gbe{df o:tf l8j]~r/ lgisfzg ug{ ;/sf/ hdfgL al;lbg ;Sb5 .
3_ lglZrt k|ltzt s/ nufpg]
;/sf/n] zx/L s/, vfnL hUuf s/, k}t[s ;DklQ s/, hUufsf] d"No j[l4df s/ cflb
h:tf s/sf] Aoa:yfaf6 qm; ;lA;8L] -wgLnfO{ s/ nufO u/Lasf] nflu vr{ ug]{_
;+oGqsf] ?kdf k|of]u u/L o; If]qsf] lgldQ sf]if h'6fpg ;Sb5 .
ª_ ;+:yfut ;fdflhs bfloTj
k"jf{wf/ tyf cfjf; ljsf;df ;+nUg lgdf{0f Joj;foLx?nfO{ cfjZos Joj:yf agfO
;+:yfut ;fdflhs bfloTj -l;=P;=cf/_ cGt{ut o; If]qdf clgjfo{ nufgL u/fpg
;lsG5 . o:tf] sfo{df k|f]T;flxt ug{ o;/L ul/Psf] nufgLdf s/ 5'6sf] Joj:yf ug{'
jf~5gLo b]lvG5 .

*=@= C0fsf] pknAwtf

s_ C0fsf] nflu l;kmfl/;
zx/L u/La cfjf; s]Gb|Lo ;ldltn] C0f k|bfg ug]{ ;+:yfnfO{ ;/sf/÷;d'bfosf] hdfgLdf
jf lwtf]df C0f k|jfx ug{ l;kmfl/; ug{ ;Sg]5 . ;fy} zx/L u/La cfjf; s]Gb|Lo ;ldltn]
C0f l;kmfl/; ug]{ clwsf/ gu/kflnsf :t/Lo ;ldlt jf lhNnf ;ldltx?nfO{ k|Tofof]hg
ug{ klg ;Sg]5 .
v_ C0f k|bfg ug]{ ;+:yfx?
C0f k|bfg ug]{ ;+:yfx?sf] lg0f{o zx/L u/La cfjf; s]Gb|Lo ;ldltn] ug]{5 . o;
lsl;dsf] sfo{ ug{ xfnnfO{ lgDg lnlvt ^ j6f ;+:yfx? klxrfg ul/Psf 5g\ .
!_ /fli6«o cfjf; sDkgL lnld6]8
@_ gu/ ljsf; sf]if
#_ g]kfn cfjf; kmfO{gfG; lnld6]8
$_ sf7df8f}+ dxfgu/kflnsf, zx/L ;d'bfo ;xof]u sf]if
%_ u/LaL lgjf/0f sf]if
^_ g]kfn art tyf C0f ;xsf/L ;+:yf o'lgog lnld6]8sf] dxf;+3
u_ C0fsf] ;'/Iff
C0fsf] ;'/Iff lgDg dWo] s'g} Ps x'g ;Sb5 . !_ ;d"x jf ;fd'bflos hdfgL, @_
;/sf/sf] hdfgL, #_ aGws jf lwtf] .
3_ C0f :jLs[t ug]{ ;+:yfx?
dfly bkmf *=@ -v_ df pNn]v ul/Psf dWo] s'g} Ps C0f :jLs[t ug]{ ;+:yf x'g]5 C0f
k|bfg ug]{ ;+:yfn] To; If]qsf] C0f lng] ;d"xaf6 ;+rflnt art tyf C0f ;xsf/L
19
 ;+:yfx? dfk{mt\ C0fLx?nfO{ C0f k|jfx ug]{5 . dfl;s ls:tf ;+sngsf] nflu klg ;f]xL
k|lqmof cg'z/0f ug]{5 .
ª_ Jofhb/
C0f k|bfg ug]{ ;+:yfn] ahf/sf] l:ylt, ;+rfng vr{ / k"FhLsf] nfut x]/L C0f k|bfg ug]{
;dodf clGtd Jofhb/ lgwf{/0f ug]{5 . cg';"rL $ df *Ü, !@Ü, !$Ü / !^Ü h:tf
ljleGg Jofhb/ tyf To;sf] JofVof k|i6\ofOPsf] 5 .
r_ ls:tfaGbLsf] cjlw
C0f k|bfg ug]{ ;+:yfn] s'g} klg pko'Qm ls:tfaGbLsf] cjlw ljrf/ ug{ ;Sg]5 . cg';'rL
$ df cf}ift cf}sftnfO{ ljrf/ u/L @, *, !%, @), / @% jif{sf] ls:tfaGbLsf] cjlw
bzf{OPsf] 5 .
5_ cf}sft -ltg{ ;Sg] Ifdtf÷x}l;ot_
cf}sft eGgfn] 3/ kl/jf/sf] cfDbfgL / 3/sf] d"No÷axfnsf] cg'kft xf] . cfDbfgL
cg';f/ cf}sft km/s km/s x'G5 . cf}sft ;DaGwL lj:t[t ljj/0f cg';'rL @ df
bzf{OPsf] 5 .
h_ C0f ;D´f}tfdf ;xL ug]{
C0f ;D´f}tfdf C0f k|bfg ug]{ ;+:yf / To; If]qsf] C0f lng] ;d"xaf6 ;+rflnt
;~rflnt art tyf C0f ;xsf/L ;+:yf, C0f lng] JolQm / hdfgL a:g] aLr C0f
;D´f}tfdf ;xL ug]{5 .
´_ C0f k|jfx
;D´f}tfdf ;xdtL eP cg';f/sf] ;t{x?df To; If]qsf] C0f lng] ;d"xaf6 ;+rflnt
;~rflnt art tyf C0f ;xsf/L ;+:yfn] C0f k|bfg ug]{5 .
`_ :ynut lg/LIf0f tyf ;DkGg ePsf] l;kmfl/;
zx/L u/La cfjf; gu/kflnsf ;ldlt tyf C0f k|bfg ug]{ ;+:yfn] :ynut lg/LIf0f u/L
lgdf{0f sfo{ ;DkGg ePsf] l;kmfl/; ug]{5 .

*=#= C0f c;'nL

s_ cg'udg÷C0f r'Qmf÷C0f c;'nL
;DalGwt art tyf C0f ;xsf/L ;+:yfsf] ;xof]udf ;DalGwt ljQLo ;+:yfn] ;DalGwt
ljQLo ;+:yfsf] ;xof]udf ;DalGwt art tyf C0f ;xsf/L ;+:yfn] C0f r'Qmf u/]
gu/]sf] glhsaf6 cg'udg u/]/ C0f r'Qmf l:yltsf] k|ltj]bg tof/ u/L rf}dfl;s ?kdf
k]z ug{'kb{5 / ;DalGwt ;/f]sf/jfnfx?nfO{ klg k7fpg'kg]{5 .
v_ r'Qmf gePsf÷gltl/Psf C0fsf] l:yltsf] d"NofÍg ug]{ .
C0f k|bfg ug]{ ;+:yf tyf C0f l;kmfl/; ug]{ ;ldltn] gltl/Psf÷r'Qmf gul/Psf
C0fx?sf] l:yltaf/] d"NofÍg ug]{5 / cfjZos k/]sf] v08df :ynut e|d0f klg ug]{5 .
u_ C0f gltg]{x?sf] l:ylt k]z ug]{ .
;DalGwt ljQLo ;+:yfn] C0f r'Qmf gugf{sf sf/0fx? ;DalGwt ;/f]sf/jfnfx?nfO{ k]z
ug{' cfjZos 5 .
3_ c;'nLsf ljsNkx? klxrfg ug]{ .
zx/L u/La cfjf; s]Gb|Lo ;ldlt jf o;n] clwsf/ k|Tofof]hg u/]sf] ;ldltn] v/fa
C0fsf sf/0fx?sf] ljZn]if0f ug{'kb{5 / o;sf] c;'nLsf] nflu of]hgf th{'df ug{'kb{5 .
ª_ C0f r'Qmf gug]{x?sf] nflu sfg'gL k|lqmof ckgfpg] .
r'Qmf gePsf] C0fsf] xsdf C0f r'Qmf gug]{ C0fLnfO{ lgodfg';f/ C0f ltg{ #% lbgsf]
;"rgf lbg'kg]{5 . pQm cjlwdf klg C0f r'Qmf gul/Pdf yk sfg'gL k|lqmofx? ckgfpg'
kg]5{ .

20
 kl/R5]b – (

;+:yfut ;+/rgf tyf ;ldltsf] clwsf/ / st{Jo

(=!= sf7df8f}+ pkTosf leqsf cgf}krfl/s a:tL / kxf8 tyf t/fO{sf zx/L s]Gb|x?nfO{ Wofgdf /fvL
zx/L u/La cfjf; sfo{qmd sfof{Gjog ug{ lgDg cg';f/ ;+:yfut ;+/rgfsf] gd"gf k|:tfj
ul/Psf] 5 .

lrq #M zx/L u/La cfjf; sfo{qmd M ;+:yfut gd"gf

zx/L u/La zx/L u/La cfjf; zx/L ljsf;

;/sf/÷bft[ lgsfo÷ dGqfno
cfjf; rqm sf]if s]Gb|Lo ;ldlt
cu};;÷cGo ;|f]tx?
;Nnfxsf/
zx/L ljsf; tyf ejg ;ldlt
ljQLo ;+:yfx? zx/L u/La lgdf{0f ljefu -zljt elglj
-jfl0fHo a}+sx?_ cfjf; lhNnf jf sf7df8f}+ pkTossf
;ldlt lasf; k|flws/0f -sfplak|f_

cfjf;sf]
If]qdf sfo{/t
zucfcf /fli6«o tyf
sfof{Gjog cGt/f{li6«o
OsfO, lgsfox? h:t}
zx/L u/La cfjf; zucfcf sfof{Gjog M o'=Pg=
gu/kflnsf OsfO Xoflj6\of6,
;ldlt Xoflj6\of6 km/
Xo'Doflglt,
n'dlGt,
sDo'lg6L ;]Nkm
u};;÷ dWo:y ;d'bfo :t/sf l/nfoG; ;]G6/
;+u7gx? nfeu|fxL ;d"x÷;ldlt -l;P;cf/;L_
cflb

;d'bfo:t/sf
;xsf/L ;+:yfsf]if

(=@= zx/L u/La cfjf; sfo{qmd s]Gb|Lo ;ldlt

(=@=!= u7g M lgDg cg';f/ zx/L u/La cfjf; sfo{qmd s]Gb|Lo ;ldltsf] u7g x'g]5 .
s_ ;lrj, zx/L ljsf; dGqfno cWoIf
v_ k|ltlglw, ;x;lrj, e"ld ;'wf/ tyf Joj:yf dGqfno ;b:o
u_ k|ltlglw, ;x;lrj, ;+3Lo dfldnf tyf :yfgLo ljsf; dGqfno ;b:o
3_ k|ltlglw, ;x;lrj, ;xsf/L tyf u/LaL lgjf/0f dGqfno ;b:o
ª_ k|ltlglw, ;x;lrj, jg tyf e"–;+/If0f dGqfno ;b:o
r_ k|ltlglw, ;x;lrj, sfg"g tyf Gofo dGqfno ;b:o
21
 5_ ;x;lrj, zx/L ljsf; dGqfno ;DalGwt dxfzfvf ;b:o
h_ ;/sf/n] lgo'lQm u/]sf a9Ldf tLg hgf –sDtLdf ! hgf dlxnf ;lxt_ lj1 jf ;/f]sf/jfnf
lgsfox?sf] k|ltlglw÷;DalGwt u};; cflbsf k|ltlglw ;b:o
´_ dxflgb]{zs, zx/L ljsf; tyf ejg lgdf{0f ljefu ;b:o
`_ ;b:o ;lrj, sf7df8f}+ pkTosf lasf; k|flws/0f ;b:o
6_ pkdxflgb]{zs, cfjf; dxfzfvfsf] k|d'v zljtelglj ;b:o;lrj
gf]6M sf7df8f}+ pkTosfsf] xsdf sfplak|fsf ;b:o ;lrj g} ;b:o ;lrj / cfjf; dxfzfvf k|d"v -
pkdxflgb]{zs_ ;b:o /xg]5g\ .

;ldltn] cGo s'g} klg clws[t jf lj1nfO{ a}7sdf cfdGq0f ug{ ;Sg]5 . a}7ssf] sfo{ ;"rL -
Ph]08f_ cg';f/ ;DalGwt ;+u7gsf k|ltlglwx?nfO{ ;ldltsf] a}7sdf cfdGq0f ug]{5.

(=@=@ zx/L u/La cfjf; sfo{qmd s]Gb|Lo ;ldltsf] sfd, st{Jo tyf clwsf/ lgDgfg';f/ x'g]5 .
-s_ ljefu / lhNnf ;ldltn] tof/ u/]sf] cfof]hgfsf of]hgf -l:sd_ :jLs[t ug]{ .
-v_ cfof]hgfsf] nflu k|:tfj ul/Psf] If]q :jLs[t ug]{ .
-u_ nfeu|fxLsf] klxrfg jf :jLs[t ug]{ tyf ltgsf] lgwf{/0f tyf juL{s/0f ug]{ .
-3_ lsQf gfkL gS;f tyf :jfldTj k|bfg / e"ldsf] sa'lnotL :jLs[t ug]{ .
-ª_ hUufsf] /]s8{sf] Joj:yfkg ug]{ / /lhi6«]zg ug]{ clwsf/ k|bfg ug]{ .
-r_ C0fsf nflu l;kmfl/; ug]{ jf gu/kflnsf :t/sf ;ldltnfO{ l;kmfl/; ug]{ clwsf/ k|bfg ug]{
.
(=#= zx/L u/La cfjf; sfo{qmd lhNnf ;ldlt
(=#=!= u7g M zx/L u/La cfjf; sfo{qmd lhNnf ;ldlt lgDgfg';f/ x'g]5 .
s_ k|d'v lhNnf clwsf/L – cWoIf
v_ :yfgLo ljsf; clws[t – ;b:o
u_ lhNnf jg clws[t – ;b:o
3_ ;DalGwt gu/kflnsfsf] sfo{sf/L clws[t – ;b:o
ª_ dfnkf]t clws[t – ;b:o
r_ gfkL clws[t – ;b:o
5_ zx/L ljsf; dGqfnon] lgo'lQm u/]sf a9Ldf tLg -sDtLdf ! hgf dlxnf;lxt_ lj1 jf
;/f]sf/jfnf lgsfox?sf] k|ltlglw÷;DalGwt u};; cflbsf k|ltlglw – ;b:o
h_ k|d'v, zljtelglj ;DalGwt l8lehg sfof{no jf
sf7df8f}+ pkTosfsf] xsdf sfplak|fn] tf]s]sf] kbflwsf/L ;b:o ;lrj_;b:o ;lrj

(=#=@= zx/L u/La cfjf; sfo{qmd lhNnf ;ldltsf] sfd, st{Jo tyf clwsf/ lgDgfg';f/ x'g]5 .
-s_ cfof]hgf If]q ;lxt cfof]hgfsf] of]hgf -l:sd_ :jLs[ltsf] nflu ;ldltdf k]z ug]{ .
-v_ nfeu|fxL klxrfg ug]{, pgLx?sf] bhf{ tyf ju{ lgwf{/0f ug]{ / o;nfO{ :jLs[ltsf] nflu
;ldltdf k]z ug]{ .
-u_ gfkL gS;f tof/ kfg],{ hUufsf] /]s8{ sfod ug]{ / :jfldTj / sa'lnotsf] k|df0fkq tof/
u/L ;ldltdf k]z ug]{ tyf ;ldltaf6 :jLs[tL k|fKt eOcfP kl5 :jfldTj tyf sa'lnotsf]
k|df0fkqx¿ lat/0f ug]{ .
-3_ ;ldltaf6 :jLs[lt k|fKt u/]kl5 /lhi6«]zg tyf hUufsf] /]s8{ k|dfl0ft ug]{ .
-ª_ cfof]hgf :yndf hUufsf] laefhgsf] k'g:{yfkgfsf] n] cfp6 k|dfl0ft ug]{ .

(=$= zx/L u/La cfjf; sfo{qmd gu/kflnsf ;ldlt

(=$=!= u7gM zx/L u/La cfjf; sfo{qmd gu/kflnsf ;ldlt lgDgfg';f/ u7g x'g]5 .
s_ ;DalGwt gu/kflnsf jf uflj; cWoIf – cWoIf
v_ ;DalGwt gu/kflnsf jf uflj;sf sfo{sf/L clws[t jf ;lrj ;b:o
u_ dfnkf]t sfof{nosf k|ltlglw – ;b:o
3_ gfkL sfof{nosf k|ltlglw – ;b:o
22
 ª_ lhNnf jg sfof{nosf k|ltlglw – ;b:o
r_ zx/L ljsf; dGqfnon] lgo'lQm u/]sf a9Ldf tLg -sDtLdf !hgf dlxnf;lxt_ lj1
jf ;/f]sf/jfnf lgsfosf k|ltlglw÷;DalGwt u};; cflbsf k|ltlglw– ;b:o
5_ zljtelglj lhNnf sfof{nosf k|d'v jf k|ltlglw jf sf7df8f}+ pkTosfsf] xsdf
sfplak|fn] tf]s]sf] kbflwsf/L ;b:o ;lrj

(=$=@= zx/L u/La cfjf; sfo{qmd lhNnf ;ldltsf] sfd, st{Jo tyf clwsf/ lgDgfg';f/ x'g]5 .
s_ cfof]hgf If]qkmn ;lxt cfof]hgfsf] of]hgf -l:sd_ lhNnf ;ldltdf l;kmfl/; ug]{ .
v_ nfeu|fxL klxrfg / ltgsf] juL{s/0f Pjd\ >]0fL lgwf{/0fsf] nflu lhNnf ;ldlt /
k|fljlws ;ldltnfO{ ;xof]u ug]{ .
u_ lhNnf ;ldltn] k|bfg u/]sf] clwsf/ If]qleq /xL cfof]hgf sfof{Gjog ug]{ .
3_ k'gjf{; tyf hUufsf] k'g:yfkgf ug]{ .
ª_ ;ldltn] clwsf/ k|bfg u/]sf cGo sfo{x? ug]{ .

(=%= ;d'bfo:t/sf ;xsf/L ;+:yf / nfeu|fxL ;ldlt u7g ug]{

;d'bfodf cfwfl/t cfjf; sfo{qmdx?sf] k|d'v cfwf/sf] ?kdf ;d'bfo:t/sf ;xsf/L ;+:yfx?sf]
dWo:ytfdf zx/L u/Lax?aLr ;x'lnotL C0f k|jfx ug{' / u/Lax?s]f nflu cfjf; sfo{qmd
sfof{Gjog ug{' /x]sf 5g\ . o:tf sfo{qmdx?df C0f c;'nLsf] nflu ;fd'bflos ;+:yfx?nf] ug]{
cg'udg / ;xof]u dxTjk"0f{ x'g5
] .

gu/kflnsfx?sf] tNnf] txsf ;+u7gx?sf] ?kdf /x]sf 6f]n txsf ;+:yfx? c´} klg sfo{
ul//x]sf] / ljutdf g]kfn ;/sf/ / o'gPg Xoflj6\of6sf] ;+o'Qm k|of;df ;~rflnt ufpF÷gu/
;f´]bf/L sfo{qmdn] ;d'bfo:t/sf] nflu tof/ u/]sf] 6f]n :t/Lo ;+u7gsf] gd"gf -l6=Pn=cf]=
df]8n_ nfO{ ;+of]hg ug{' pko'Qm b]lvG5 . art tyf C0f lqmofsnfksf] cltl/Qm ;fd'bflos
ljsf; of]hgf tyf Joj;fo ljsf; of]hgf 6L=Pn=cf]= lqmofsnfksf] cleGg c+ux? x'g\ .

(=^= zx/L u/La cfjf; rqmsf]if

ljQ Pjd\ k|fljlws 1fg k|bfg u/]/ /fd|f] / ;'/lIft cfjf;, /f]huf/L tyf jftfj/0f k|fKt ug{
;xhLs/0f ug{' rqmsf]ifsf] d'Vo p2]Zo /xg]5 . ;/sf/ / bft[ lgsfon] k'gjf{; p2]Zosf] nflu
o; sf]ifdf /sd of]ubfg ug{ ;Sb5g\ . ;/sf/n] klg ljZj a}+s÷PlzofnL ljsf; a}+sx?af6
C0f jf ;/n shf{ kl/rfng u/L o; sf]ifsf] k"FhL ;+sngdf yk sf]if k|bfg ug{ ;Sb5 .
k|efljt kl/jf/x?sf] cfjf; lgdf{0fsf] nflu C0f k|bfg ug{ o; sf]ifnfO{ kl/rfng ul/g]5 . o;
sf]ifn] tNnf] txsf ;xsf/L ;+:yfx? / jfl0fHo a}+s÷Jofkfl/s C0f k|bfg ug]{ ;+:yfx?aLr
dWo:y ;+:yfsf] sfo{ klg ug{ ;Sb5 . zx/L ljsf; tyf ejg lgdf{0f ljefudf xfn ljBdfg
hUuf ljsf; rqmsf]ifnfO{ g} dflysf] e"ldsf Pjd\ lhDd]jf/Lx? lbg ;lsg]5 .

(=&= dWo:y ;+:yfsf] ?kdf u}/ ;/sf/L ;+:yf -u};;_

;d'bfo:t/;Dd cfjf; cfof]hgf sfof{Gjog tyf cfjf;;Fu ;DalGwt d'Vo sfo{ ug{ j}wflgs
?kdf btf{ ePsf] u}/ ;/sf/L ;+:yfnfO{ ;]jf k|bfossf] ?kdf ;+nUg u/fpg k|:tfljt ul/Psf] 5 .
o;sf] d'Vo e"ldsf / lhDd]jf/Lx? lgDgfg';f/ x'g]5g\ .
s_ zx/L u/La tyf lgDg cfo ePsf kl/jf/x?nfO{ kl/rfng ug{ ;xhstf{ tyf ;+of]hssf]
e"ldsf lgjf{x ug]{ .
v_ zx/L u/La a:tLx?sf] cfjf; Joj:yfkg tyf ef}lts ;'wf/ ;DaGwL la1 k/fdz{bftfsf]
e"ldsf lgjf{x ug]{ .

(=*= a}+s tyf ljQLo ;+:yfx? M

zx/L u/Lax?sf] nflu ;xhstf{sf] ?kdf sfo{ ug{ g]kfn /fi6« a}+saf6 cg'dlt / dfGotf k|fKt
ljkGg ju{sf] nflu jfl0fHo a}+s tyf laQLo ;+:yfx?n] 5'§ofOPsf] /sd dfly *=! -v_ df pNn]v

23
 ul/Psf] ;+:yfx?sf] dfWodaf6 k|jflxt ug{ ;lsG5 . jfl0fHo a}+s tyf ljQLo ;+:yfx?sf] pQm
/sd rqmsf]if dfk{mt k|jflxt ug{ ;lsG5 jf dWo:ystf{sf] ?kdf /x]sf] u}/ ;/sf/L ;+:yf -u};;_
;Fu cfjZos ;dGjo u/L ;Lw} ;xsf/L ;+:yfx?nfO{ k|bfg ug{ ;Sb5g\ .

(=(= s]Gb| / lhNnf:t/Lo zx/L u/La cfjf; sfof{Gjog OsfO

cfjZos ;fwg ;|f]tsf ;fy zx/L ljsf; tyf ejg lgdf{0f ljefudf :yfkgf ul/g] zx/L u/La
cfjf; sfof{Gjog OsfO zx/L u/La cfjf; sfo{qmd ;DaGwL of]hgf tyf sfo{qmd th{'df,
l8hfOg, sfof{Gjog tyf ;dGjo cflb ljleGg kIf ;DaGwL sfo{x?sf] nflu lhDd]jf/ x'g]5 .

o;/L g} gu/kflnsf :t/Lo zx/L u/La cfjf; sfo{qmd sfof{Gjog tyf ;+of]hgsf] nflu zx/L
ljsf; tyf ejg lgdf{0f ljefu, l8lehg sfof{nodf klg zx/L u/La cfjf; sfof{Gjog OsfO
:yfkgf ug]{5 . sf7df8f}+ pkTosfsf] xsdf laefusf] e"ldsf sf7df8f}+ pkTosf lasf; k|flws/0f
/ cGo dftxt lgsfosf] e"ldsf k|flws/0fn] tf]s] adf]lhd x'g]5 .

(=!)= zx/L u/La cfjf; sfo{qmd ;Nnfxsf/ ;ldlt M

zx/L u/La cfjf; sfo{qmd sfof{Gjog ug{sf] nflu u7g ul/g] pRr :t/Lo ;Nnfxsf/ ;ldltn]
cfjZos lgb]{zg tyf gLltut ;dGjo ug]{5 . ;ldltsf] u7g lgDgfg';f/ x'g]5 .
!_ dfggLo ;b:o -;DalGwt If]q_, /fli6«o of]hgf cfof]u – cWoIf
@_ lasf; cfo'Qm, sf7df8f}+ pkTosf lasf; k|flws/0f – ;b:o
#_ ;lrj -;DalGwt If]q_, k|wfgdGqLsf] sfof{no tyf dlGqkl/ifb ;lrjfno – ;b:o
$_ ;lrj, e"ld ;'wf/ tyf Joj:yf dGqfno – ;b:o
%_ ;lrj jf ;x;lrj :t/Lo k|ltlglwTj, cy{ dGqfno – ;b:o
^_ ;lrj jf ;x;lrj :t/Lo k|ltlglwTj, u[xdGqfno – ;b:o
&_ ;lrj jf ;x;lrj :t/Lo k|ltlglwTj, ;+3Lo dfdnf tyf :yfgLo ljsf; dGqfno –
;b:o
*_ ;lrj jf ;x;lrj, ;xsf/L tyf u/LaL lgjf/0f dGqfno – ;b:o
(_ ;lrj jf ;x;lrj, jg tyf e"–;+/I0f dGqfno – ;b:o
!)_ ;lrj jf ;x;lrj, sfg"g tyf Gofo dGqfno – ;b:o
!!_ ;lrj, zx/L ljsf; dGqfno – ;b:o ;lrj
o; ;ldltnfO{ cfjf;sf] If]q;Fu ;DalGwt o'=Pg= lgsfo, bft[ lgsfo, cGt/f{li6«o u}/ ;/sf/L
;+:yf -cu};;_, u}/ ;/sf/L ;+:yf -u};;_ h:tf /fli6o tyf cGt/f{li6«o lgsfon] ug{ ;Sg]5 .
o'=Pg= Xoflj6\of6, n'dlGt, Xoflj6\of6 km/ Xo'Doflg6L, ;LP;cf/;L cflb o; dWo]sf s]xL x'g\ .
;+:yfut ;+/rgfsf] cGo txdf ;d]t o:tf /fli6«o cGt/f{li6«o kfqx?n] klg cfjZos ;xof]u
k|bfg ug{ ;Sg]5g\ .

(=!!= Ifdtf lgdf{0f

tflnd, sfo{zfnf uf]i7L, ;]ldgf/ h:tf ljleGg lqmofsnfkx?sf] dfWodaf6 zx/L u/La cfjf;
sfo{qmd;Fu ;Da4 ;/f]sf/jfnfx?sf] Ifdtf lgdf{0f ug]{ lbzfdf pko'Qm pkfox? cjnDag ug]{5\
.

24
cg';"rL ! M gLlt lgb]{lzsf ;+rfngsf] lgldQ cjwf/0ffTds vfsf

jt{dfg cfjf;sf] e"–:jfldTj

l:ylt clwsf/sf]
gd"gf

cfo:t/÷
cf}sftsf] l:ylt ljQLo
gd"gf
nfeu|fxL cfjf; Kofs]h÷ e"–
ju{sf] :jfldTj÷
klxrfg, clwsf/sf] ;'/Iff÷
e"ldsf] :jfldTjsf] juL{s/0f cfjf;
k|bfgsf] ;'lglZrttf
agfj6 tyf >]0fL
lgwf{/0f gd"gf

kl/dflh{t
ljBdfg of]hgf÷ of]hgf÷
l8hfOg dfkb08 l8hfOg
dfkb08

25
cg';"rL – @ u/LaLsf] :t/ tyf cf}sft
u/LaLsf] :t/ dfl;s ls:tfaGbL cfjf;sf] nfut sf7df8f}+ pkTosf kxf8L zx/L If]q t/fO{ zx/L If]q
cg';f/ >]0fL ltg{ ;Sg] cf}sft ltg{ ;Sg] cf}sft k|lt 3/ kl/jf/sf] k|lt 3/ k|lt 3/ kl/jf/sf]
lgwf{/0f -cfosf] Ü_ -jflif{s cfosf] dfl;s cfo kl/jf/sf] dfl;s dfl;s cfo
u'0fg u'0fgLo -?=df_ C0fsf] xb /sd cfo C0fsf] xb /sd -?=df_ C0fsf] xb /sd
;+Vof_ -?=df_
u/LaLsf] /]vfd'lg 15% 2 <=16550 397200 <=7900 189600 <= 8550 205200

cfly{s b[li6n] 25% 3 16551 - 19500 595836 - 702000 7901 -11000 284436-396000 8551 -12000 307836 -432000
sdhf]/
lgDg cfo ePsf 30% 4 19501 - 29000 936048 - 1392000 11001 - 14500 528048 - 696000 120001 - 16000 576048-768000
kl/jf/

26
cg';"rL – # of]hgf tyf ejg l8hfOg dfkb+8 .dfgs -gd{;_
sf7df8f}+ pkTosf zx/L kxf8 zx/L t/fO{
lgDg cfo cfly{s b[li6n] ul/asf] /]vf lgDg cfo cfly{s b[li6n] ul/asf] /]vf lgDg cfo cfly{s b[li6n] ul/asf] /]vf
ju{÷;d"x sdhf]/ d'lg ju{÷;d"x sdhf]/ d'lg ju{÷;d"x sdhf]/ d'lg
dxQd 38]/Lo'Qm cfjf; !^)–@)) OsfO{ !^)–@)) !^)–@)) !^)–@)) !^)–@)) !^)–@)) !^)–@)) !^)–@)) !^)–@))
3gTj k|lt x]S6/ OsfO{ k|lt OsfO{ k|lt OsfO{ k|lt OsfO{ k|lt OsfO{ k|lt OsfO{ k|lt OsfO{ k|lt OsfO{ k|lt
x]S6/ x]S6/ x]S6/ x]S6/ x]S6/ x]S6/ x]S6/ x]S6/
*))–!))) JolQm *))–!))) *))–!))) *))–!))) *))–!))) *))–!))) *))–!))) *))–!))) *))–!)))
k|lt x]S6/ JolQm k|lt JolQm k|lt JolQm k|lt JolQm k|lt JolQm k|lt JolQm k|lt JolQm k|lt JolQm k|lt
x]S6/ x]S6/ x]S6/ x]S6/ x]S6/ x]S6/ x]S6/ x]S6/
hL @ b]lv #))–$)) OsfO{ #))–$)) #))–$))
hL $ ;Ddsf k|lt x]S6/ OsfO{ k|lt OsfO{ k|lt ck|fKt ck|fKt
ckf6{d]G6 x]S6/ x]S6/
!%))–@))) !%))–@))) !%))–@)))
JolQm k|lt x]S6/ JolQm k|lt JolQm k|lt ck|fKt ck|fKt
x]S6/ x]S6/
@#)–#)) OsfO{ @#)–#)) @#)–#))
k|lt x]S6/ OsfO{ k|lt OsfO{ k|lt ck|fKt ck|fKt
x]S6/ x]S6/
dflysf] ;+of]u !!%)–!%)) JolQm !!%)–!%)) !!%)–!%))
k|lt x]S6/ JolQm k|lt JolQm k|lt ck|fKt ck|fKt
x]S6/ x]S6/
cfsf/ 38]/Lsf] cfsf/ ! cfgfb]lv !=@% ! cfgfb]lv ! cfgfb]lv
-Go"gtd_ cfgf;Dd -#$@ !=@% !=@% !=% cfgf !=% cfgf !=% cfgf
b]lv $@^ ju{lkm6_ cfgf;Dd cfgf;Dd -%!$ ju{lkm6_ -%!$ -%!$ ju{lkm6_ # w'/ -%$* # w'/ -%$* # w'/ -%$*
-#$@ b]lv -#$@ b]lv ju{lkm6_ ju{lkm6_ ju{lkm6_ ju{lkm6_
$@^ ju{lkm6_ $@^ ju{lkm6_

27
 sf7df8f}+ pkTosf zx/L kxf8 t/fO{ kxf8
lgDg cfo ju{÷;d"x cfly{s b[li6n] ul/asf] lgDg cfo cfly{s b[li6n] ul/asf] /]vf lgDg cfo cfly{s b[li6n] ul/asf] /]vf
sdhf]/ /]vf d'lg ju{÷;d"x sdhf]/ d'lg ju{÷;d"x sdhf]/ d'lg
ejgsf] e'FO tNnfn]
cf]u6]sf] If]qkmn $)) ju{ lkm6 #)) ju{ lkm6 @)) ju{ $)) ju{ lkm6 #)) ju{ lkm6 @)) ju{ lkm6 $)) ju{ #)) ju{ lkm6 @)) ju{ lkm6
-^)) ju{lkm6;Dd lkm6 lkm6
lj:tf/ ug{ ;Sg]_
ˆNof6 -la:tf/ ug{ @)) ju{
$%) ju{ lkm6 #%) ju{ lkm6
g;lsg]_ lkm6 ck|fKt ck|fKt
aflx/L :yfgut kl/rfng If]qkmn cfsf/sf] @)Ü If]qkmn cfsf/sf] @)Ü If]qkmn cfsf/sf] @)Ü
If]q
# tNnf ;Ddsf] ef/ axg ug{ ;Sg] -nf]8 a]l/Ë_ # tNnf ;Ddsf] ef/ axg ug{ ;Sg] -nf]8 a]l/Ë_ :yfgLo :t/df pknAw x'g] ejg gdf{0f ;fdu|L
lgdf{0f lgdf{0f tyf >d
 dha't l;d]G6sf] xf]nf] Ans  dha't l;d]G6sf] xf]nf] Ans  O{§fsf] hf]8fO
 cf+lzs cf/;L;L k"j{ 9nfO{sf] ;+of]u  cf+lzs cf/;L;L k"j{ 9nfO{sf] ;+of]u  afF;sf] lgdf{0f
ejg lgdf{0f ;dfu|L÷k|ljlw
 O{§fn] aflx/ cfpg] u/L agfPsf]  O{§fn] aflx/ cfpg] u/L agfPsf]  a]:;/L vfFb]sf] df6f] cyjf s'6]sf]
;+/rgf÷k]m/f] l;d]G6 hf]8fO ;+/rgf÷k]m/f l;d]G6 hf]8fO df6f]
 k"j{ 9nfO{ ul/Psf] s+lqm6sf]  k"j{ 9nfO{ ul/Psf] s+lqm6sf]  sf7n] agfPsf] Ps k|sf/sf] uf/f] -
e¥ofË÷v'8\lsnf] cyjf e¥ofË÷v'8\lsnf] hxfF sf7 kof{Kt pknAw 5_
 hL $ sf] nflu cf/;L;L k|]md :6«Sr/  :ofs la|s
kfgL kfO{kaf6 cfpg] kfgL, 6\o"aj]n / 9'Ë]wf/fsf] ;d"x– kfO{kaf6 cfpg] kfgL, 6\o"aj]n / 9'Ë]wf/fsf] ;d"x–of]u kfO{kaf6 cfpg] kfgL, 6\o"aj]n / 9'Ë]wf/fsf]
of]u ;d"x–of]u
cfwf/e"t ;/;kmfO  bf]xf]/f] 5t÷u'Dah ;+vfb zf}rfno  bf]xf]/f] 5t÷u'Dah ;+vfb zf}rfno  bf]xf]/f] 5t÷u'Dah ;+vfb zf}rfno
k"jf{wf/  kfgL vGofP/ hf]8\g] aufpg] zf}rfno÷rkL{  kfgL vGofP/ hf]8\g] aufpg] zf}rfno÷rkL{  kfgL vGofP/ hf]8\g] aufpg]
 ;f'bflos zf}rfno zf}rfno÷rkL{

28
 sf7df8f}+ pkTosf zx/L kxf8 t/fO{ kxf8
lgDg cfo cfly{s b[li6n] ul/asf] /]vf lgDg cfo cfly{s b[li6n] ul/asf] /]vf lgDg cfo cfly{s b[li6n] ul/asf] /]vf
ju{÷;d"x sdhf]/ d'lg ju{÷;d"x sdhf]/ d'lg ju{÷;d"x sdhf]/ d'lg
9nlgsf; sf7df8f}+ dxfgu/kflnsfsf] ;~hfndf sd ulx/fOsf] 9n lgsf; sd ulx/fOsf] 9n lgsf;
hf]8\g]
kmf]xf]/d}nf sf7df8f}+ dxfgu/kflnsfsf] ;~hfndf h}ljs kbfy{sf] ?kdf k'gM k|of]u ug]{ -h:t} h}ljs kbfy{sf] ?kdf k'gM k|of]u ug]{ -h:t}
lj;h{g hf]8\g] hgfj/sf] bfgf cflb_ hgfj/sf] bfgf cflb_
;8s÷ af6f]sf] sf7df8f}+ dxfgu/kflnsfsf] ;~hfndf
kx'Fr hf]8\g]
36Ldf s'n cfof]hgf If]qkmnsf] %Ü v'Nnf 36Ldf s'n cfof]hgf If]qkmnsf] %Ü v'Nnf 36Ldf s'n cfof]hgf If]qkmnsf] %Ü v'Nnf
;fdflhs ;]jf ;'ljwfx? xl/t If]q xl/t If]q xl/t If]q
36Ldf s'n cfof]hgf If]qkmnsf] %Ü 36Ldf s'n cfof]hgf If]qkmnsf] %Ü 36Ldf s'n cfof]hgf If]qkmnsf] %Ü
;fj{hlgs ejg÷If]q ;fj{hlgs ejg÷If]q ;fj{hlgs ejg÷If]q

29
cg';"rL – $ Aofhb/ / ls:tfaGbLsf] cjwL ;DalGw laa/0f -% dWo]sf] !_
cf}sft÷ltg{ ;Sg] /sdsf] cfwf/df Jofhb/ / ls:tfaGbLsf] cjlw
cfDbfgLdf ltg{ ;Sg] /sd÷cf}sftnfO{ lnOPsf]. @%

dfl;s ls:tfaGbLsf] /sd olb @ jif{sf] cjlwdf kl/kSj x'g] ePdf

Jofhb/ *Ü ePdf Jofhb/ !@Ü ePdf Jofhb/ !$Ü ePdf Jofhb/ !^Ü ePdf
C0f /sd ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo
cf}sft cf}sft cf}sft cf}sft
30000.00 1357.00 5428.00 1412.00 5648.00 1440.00 5760.00 1469.00 5876.00
50000.00 2261.00 9044.00 2354.00 9416.00 2401.00 9604.00 2448.00 9792.00
70000.00 3166.00 12664.00 3295.00 13180.00 3361.00 13444.00 3427.00 13708.00
100000.00 4523.00 18092.00 4707.00 18828.00 4801.00 19204.00 4896.00 19584.00
150000.00 6784.00 27136.00 7061.00 28244.00 7202.00 28808.00 7344.00 29376.00
200000.00 9045.00 36180.00 9415.00 37660.00 9603.00 38412.00 9793.00 39172.00
250000.00 11307.00 45228.00 11768.00 47072.00 12003.00 48012.00 12241.00 48964.00
300000.00 13568.00 54272.00 14122.00 56488.00 14404.00 57616.00 14689.00 58756.00
350000.00 15830.00 63320.00 16476.00 65904.00 16805.00 67220.00 17137.00 68548.00
400000.00 18091.00 72364.00 18829.00 75316.00 19205.00 76820.00 19585.00 78340.00
450000.00 20352.00 81408.00 21183.00 84732.00 21606.00 86424.00 22033.00 88132.00
500000.00 22614.00 90456.00 23537.00 94148.00 24006.00 96024.00 24482.00 97928.00
550000.00 24875.00 99500.00 25890.00 103560.00 26407.00 105628.00 26930.00 107720.00
600000.00 27136.00 108544.00 28244.00 112976.00 28808.00 115232.00 29378.00 117512.00
700000.00 31659.00 126636.00 32951.00 131804.00 33609.00 134436.00 34274.00 137096.00
800000.00 36182.00 144728.00 37659.00 150636.00 38410.00 153640.00 39170.00 156680.00
900000.00 40705.00 162820.00 42366.00 169464.00 43212.00 172848.00 44067.00 176268.00
1000000.00 45227.00 180908.00 47073.00 188292.00 48013.00 192052.00 48963.00 195852.00

30
cg';"rL – $ -% dWo]sf] @_
cf}sft÷ltg{ ;Sg] /sdsf] cfwf/df Jofhb/ / ls:tfaGbLsf] cjlw
cfDbfgLdf ltg{ ;Sg] /sd÷cf}sftnfO{ lnOPsf] k|ltztsf] ?kdf lnOPsf] 5 . @%

dfl;s ls:tfaGbLsf] /sd olb * jif{sf] cjlwdf kl/kSj x'g] ePdf

Jofhb/ *Ü ePdf Jofhb/ !@Ü ePdf Jofhb/ !$Ü ePdf Jofhb/ !^Ü ePdf
C0f /sd ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo
cf}sft cf}sft cf}sft cf}sft
30000.00 424.00 1696.00 488.00 1952.00 521.00 2084.00 556.00 2224.00
50000.00 707.00 2828.00 813.00 3252.00 869.00 3476.00 926.00 3704.00
70000.00 990.00 3960.00 1138.00 4552.00 1216.00 4864.00 1297.00 5188.00
100000.00 1414.00 5656.00 1625.00 6500.00 1737.00 6948.00 1853.00 7412.00
150000.00 2121.00 8484.00 2438.00 9752.00 2606.00 10424.00 2779.00 11116.00
200000.00 2827.00 11308.00 3251.00 13004.00 3474.00 13896.00 3706.00 14824.00
250000.00 3534.00 14136.00 4063.00 16252.00 4343.00 17372.00 4632.00 18528.00
300000.00 4241.00 16964.00 4876.00 19504.00 5211.00 20844.00 5569.00 22276.00
350000.00 4948.00 19792.00 5688.00 22752.00 6080.00 24320.00 6485.00 25940.00
400000.00 5655.00 22620.00 6501.00 26004.00 6949.00 27796.00 7412.00 29648.00
450000.00 6362.00 25448.00 7314.00 29256.00 7817.00 31268.00 8338.00 33352.00
500000.00 7068.00 28272.00 8126.00 32504.00 8686.00 34744.00 9264.00 37056.00
550000.00 7775.00 31100.00 8939.00 35756.00 9554.00 38216.00 10191.00 40764.00
600000.00 8482.00 33928.00 9752.00 39008.00 10423.00 41692.00 11117.00 44468.00
700000.00 9896.00 39584.00 11377.00 45508.00 12160.00 48640.00 12970.00 51880.00
800000.00 11309.00 45236.00 13002.00 52008.00 13897.00 55588.00 14823.00 59292.00
900000.00 12723.00 50892.00 14628.00 58512.00 15634.00 62536.00 16676.00 66704.00
1000000.00 14137.00 56548.00 16253.00 65012.00 17372.00 69488.00 18529.00 74116.00

31
cg';"rL – $ -% dWo]sf] #_
cf}sft÷ltg{ ;Sg] /sdsf] cfwf/df Jofhb/ / ls:tfaGbLsf] cjlw
cfDbfgLdf ltg{ ;Sg] /sd÷cf}sftnfO{ k|ltzt . @%

dfl;s ls:tfaGbLsf] /sd olb !% jif{sf] cjlwdf kl/kSj x'g] ePdf

Jofhb/ *Ü ePdf Jofhb/ !@Ü ePdf Jofhb/ !$Ü ePdf Jofhb/ !^Ü ePdf
C0f /sd ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo
cf}sft cf}sft cf}sft cf}sft
30000.00 287.00 1148.00 360.00 1440.00 400.00 1600.00 441.00 1764.00
50000.00 478.00 1912.00 600.00 2400.00 666.00 2664.00 734.00 2936.00
70000.00 669.00 2676.00 840.00 3360.00 932.00 3728.00 1028.00 4112.00
100000.00 956.00 3824.00 1200.00 4800.00 1332.00 5328.00 1469.00 5876.00
150000.00 1433.00 5732.00 1800.00 7200.00 1998.00 7992.00 2203.00 8812.00
200000.00 1911.00 7644.00 2400.00 9600.00 2663.00 10652.00 2937.00 11748.00
250000.00 2389.00 9556.00 3000.00 12000.00 3329.00 13316.00 3672.00 14688.00
300000.00 2867.00 11468.00 3601.00 14404.00 3995.00 15980.00 4406.00 17624.00
350000.00 3345.00 13380.00 4201.00 16804.00 4661.00 18644.00 5140.00 20560.00
400000.00 3823.00 15292.00 4801.00 19204.00 5327.00 21308.00 5875.00 23500.00
450000.00 4300.00 17200.00 5401.00 21604.00 5993.00 23972.00 6609.00 26436.00
500000.00 • 4778.00 19112.00 6001.00 24004.00 6659.00 26636.00 7344.00 29376.00
550000.00 5256.00 21024.00 6601.00 26404.00 7325.00 29300.00 8078.00 32312.00
600000.00 5734.00 22936.00 7201.00 28804.00 7990.00 31960.00 8812.00 35248.00
700000.00 6690.00 26760.00 8401.00 33604.00 9322.00 37288.00 10281.00 41124.00
800000.00 7645.00 30580.00 9601.00 38404.00 10654.00 42616.00 11750.00 47000.00
900000.00 8601.00 34404.00 10802.00 43208.00 11986.00 47944.00 13218.00 52872.00
1000000.00 9557.00 38228.00 12002.00 48008.00 13317.00 53268.00 14687.00 58748.00

32
cg';"rL – $ -% dWo]sf] $_
cf}sft÷ltg{ ;Sg] /sdsf] cfwf/df÷ Jofhb/ / ls:tfaGbLsf] cjlw
cfDbfgLdf ltg{ ;Sg] /sd÷cf}sftnfO{ lnOPsf] . @%

dfl;s ls:tfaGbLsf] /sd olb @) jif{sf] cjlwdf kl/kSj x'g] ePdf

Jofhb/ *Ü ePdf Jofhb/ !@Ü ePdf Jofhb/ !$Ü ePdf Jofhb/ !^Ü ePdf
C0f /sd ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo
cf}sft cf}sft cf}sft cf}sft
30000.00 251.00 1004.00 330.00 1320.00 373.00 1492.00 417.00 1668.00
50000.00 418.00 1672.00 551.00 2204.00 622.00 2488.00 696.00 2784.00
70000.00 586.00 2344.00 771.00 3084.00 870.00 3480.00 974.00 3896.00
100000.00 836.00 3344.00 1101.00 4404.00 1244.00 4976.00 1391.00 5564.00
150000.00 1255.00 5020.00 1652.00 6608.00 1865.00 7460.00 2087.00 8348.00
200000.00 1673.00 6692.00 2202.00 8808.00 2487.00 9948.00 2783.00 11132.00
250000.00 2091.00 8364.00 2753.00 11012.00 3109.00 12436.00 3478.00 13912.00
300000.00 2509.00 10036.00 3303.00 13212.00 3731.00 14924.00 4174.00 16696.00
350000.00 2928.00 11712.00 3854.00 15416.00 4352.00 17408.00 4869.00 19476.00
400000.00 3346.00 13384.00 4404.00 17616.00 4974.00 19896.00 5565.00 22260.00
450000.00 3764.00 15056.00 4955.00 19820.00 5596.00 22384.00 6261.00 25044.00
500000.00 4182.00 16728.00 5505.00 22020.00 6218.00 24872.00 6956.00 27824.00
550000.00 4600.00 18400.00 6056.00 24224.00 6839.00 27356.00 7652.00 30608.00
600000.00 5019.00 20076.00 6607.00 26428.00 7461.00 29844.00 8348.00 33392.00
700000.00 5855.00 23420.00 7708.00 30832.00 8705.00 34820.00 9739.00 38956.00
800000.00 6692.00 26768.00 8809.00 35236.00 9948.00 39792.00 11130.00 44520.00
900000.00 7528.00 30112.00 9910.00 39640.00 11192.00 44768.00 12521.00 50084.00
1000000.00 8364.00 33456.00 11011.00 44044.00 12435.00 49740.00 13913.00 55652.00

33
cg';"rL – $ -% dWo]sf] %_
cf}sft÷ltg{ ;Sg] /sdsf] cfwf/df÷cg';f/ Jofhb/ / ls:tfaGbLsf] cjlw
cfDbfgLdf ltg{ ;Sg] /sd÷cf}sftnfO{ k|ltztsf] ?kdf lnOPsf] 5 . @%

dfl;s ls:tfaGbLsf] /sd olb @% jif{sf] cjlwdf kl/kSj x'g] ePdf

Jofhb/ *Ü ePdf Jofhb/ !@Ü ePdf Jofhb/ !$Ü ePdf Jofhb/ !^Ü ePdf
C0f /sd ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo ltg{ ;Sg] Ifdtf÷ dfl;s cfo
cf}sft cf}sft cf}sft cf}sft
30000.00 232.00 928.00 316.00 1264.00 361.00 1444.00 408.00 1632.00
50000.00 386.00 1544.00 527.00 2108.00 602.00 2408.00 679.00 2716.00
70000.00 540.00 2160.00 737.00 2948.00 843.00 3372.00 951.00 3804.00
100000.00 772.00 3088.00 1053.00 4212.00 1204.00 4816.00 1359.00 5436.00
150000.00 1158.00 4632.00 1580.00 6320.00 1806.00 7224.00 2038.00 8152.00
200000.00 1544.00 6176.00 2106.00 8424.00 2408.00 9632.00 2718.00 10872.00
250000.00 1930.00 7720.00 2633.00 10532.00 3009.00 12036.00 3397.00 13588.00
300000.00 2315.00 9260.00 3160.00 12640.00 3611.00 14444.00 4077.00 16308.00
350000.00 2701.00 10804.00 3686.00 14744.00 4213.00 16852.00 4756.00 19024.00
400000.00 3087.00 12348.00 4213.00 16852.00 4818.00 19272.00 5436.00 21744.00
450000.00 3473.00 13892.00 4740.00 18960.00 5417.00 21668.00 6115.00 24460.00
500000.00 3859.00 15436.00 5266.00 21064.00 6019.00 24076.00 6794.00 27176.00
550000.00 4245.00 16980.00 5793.00 23172.00 6621.00 26484.00 7474.00 29896.00
600000.00 4631.00 18524.00 6319.00 25276.00 7223.00 28892.00 8153.00 32612.00
700000.00 5403.00 21612.00 7373.00 29492.00 8426.00 33704.00 9512.00 38048.00
800000.00 6175.00 24700.00 8426.00 33704.00 9630.00 38520.00 10871.00 43484.00
900000.00 6946.00 27784.00 9479.00 37916.00 10834.00 43336.00 12230.00 48920.00
1000000.00 7718.00 30872.00 10532.00 42128.00 12038.00 48152.00 13589.00 54356.00

34