cWofo Ps

cWoogkqsf] kl/ro
zLif{s
zLif{s rog cg';Gwfgsf] ;j}eGbf k|f/lDes sfo{ xf] . ;f]wfyL{n] cfðgf] ?lr / cWoogsf cfwf/df

zf]w If]q lgwf{/0f u/]kl5 To;nfO{ cem ulx/fO{k"0f{ lsl;dn] cWoog u/L zLif{s rog ug'{kb{5 .

zLif{s :ki6, ;+lIfKt, ;d:ofd'ns, ?lrk"0f{ / ;fdu|Lsf] ;DefJotfdf cfwfl/t x'g'kb{5 . oL ;j}

s'/fx? ;d]6L zLif{s rog ug'{kb{5 . o; cWoog kqsf] zLifs M Jojxfl/s n]vg tyf ;Dkfbg

/x]sf] 5 .

k|of]hg M

cfðgf] dgsf] efj, ljrf/ ;Gb]z, clej[lQ, cg'e"lt, ;"rgf, Jofkfl/s, lj1fkg, td;'s

n]vg, lgj]bg, lr¶L, hGdbtf{ k|df0f kq gd'gf cflbsf jf/]df hgdfg;df k'Øfpg] nIo /fv]/

n]lvPsf] of] ;Dk|]if0f ul/Psf] cfn]v g} o; cWoog kqsf] k|of]hg /x]sf] 5 . b}lgs Jojxfl/s

n]vg Ifdtfsf] clej[l4 u/fpg' o;sf] k|of]hg xf] .

1
cWoogsf] k[i7e"ld M

cWoogsf] k[i7e"ldnfO{ ljifo k|j]z ljifo kl/ro u/fpg] c+u klg dflgG5 . of] ;f]w

k|:tfjsf] e"ldsf klg xf] . o;sf] n]vfO{ 5f]6f], 5l/tf] / cfsif{s x'g'k5{ . o;df cg';Gwftfn]

cfkm"n] ug{ cf6]sf cg';Gwfgsf ljifosf] hfgsf/L u/fpF5 . Jojxfl/s n]vg tyf ;Dkfbg

kf7\ok':tsdf ;dflji6 PsfO b'O{ b]vL PsfO cf7 ;Ddsf cg'R5]b n]vgsf gd'gf, Jojxfl/s

n]vgsf 9frfF, k|zf;lgs n]vg, sfg'gL n]vg, a}ªs tyf ljQLo sf/f]af/ ;DaGwL n]vg, efiff

;Dkfbg / kf08'lnlksf] ;Dkfbg cflb ljifosf] k|:t't ul/Psf] 5 .

p4]Zo M
s'g} klg zf]w sfo{sf] p2]Zo ;f]w ;d:ofx?sf] k|dfl0fs tyf k|fl1s ;dfwfg k|fKt ug'{ xf]

. p4]Zon] ;d:ofnfO{ ;dfwfg ug{ jf6f] b]vfpF5 . zf]wfyL{n] zf]w k|:tfj tof/ ubf{

lzif{sn] ;+s]t u/]sf ljifoj:t' ;DjGwL k|Zg lh1f;f jf ;d:ofx? s] s] x'g < s'g s'g

;d:ofx? ;dfwfg ug'{ kg]{ 5 . s'g s'/fsf] vf]hL ug'{kg]{ 5 eGg] s'/fdf cfwfl/t eO{ :ki6

p4]Zo Jojxfl/s n]vgdf k|zf;lgs n]vgsf] kl/ro lbO{ gd'gf k|:t't ug]{ a}+s ljlQo

n]vgsf] 9fFrfx?sf gd'gf, kf08'lnkLsf gd'gf cflb tof/ kfg{ .

2
cWoogsf] cfwf/ M

zf]wkq n]vg cWoogsf] d'Vo cfwf/ k|fylds / l4lto ;|f]t /x]sf 5g . k|fylds ;|f]t

cGt{ut ljBfyL{x?n] cEof; u/]sf cEof; k'l:tsf, pQ/k'l:tsf tyf pgLx?n] sIff sfof{snfksf

?kdf n]vgsf nfO{ d'Vo ;fdu|Lsf] ?kdf pkef]u ul/Psf] 5 . l4lto ;|f]tsf ?kdf kf7ok':ts

/x]sf] 5 .

3
 cWofo b'O{

ljifoj:t'sf] ljZn]if0f

ljifoj:t'sf] kl/ro M
Jojxfl/s n]vg tyf ;Dkfbg kf7\ok':tsdf ;dfj]z ul/Psf PsfO{ b'O{ b]vL PsfO PsfO

cf7 ;Ddsf cg'R5]b n]vg, Jojxfl.s n]vg, k|zf;lgs n]vg, sfg'gL n]vg, a}ªs tyf ljQLo

sf/f]af/ ;DaGwL n]vg, efiff ;Dkfbg / kf08'lnlksf] ;Dkfbgsf pkzLif{sx?sf] gd'gf n]vgsf]

cEof; u/L of] zf]wkq tof/ ul/Psf] 5 .

PsfO{ b'O{

cg'R5]b n]vgsf] kl/ro

s'g} klg ljifo jf zLif{sdf s]lGb|t eP/ lnPsf cy{k"0f{ cleJolQm g} cg'R5]b xf] .

k|yd k'jL{o z}nL cyf{t d jf xfdL h:tf ;j{gfdx?sf] k|of]u u/L ljifoj:t'sf jf/]df n]vsLo

cg'e"lt JoSt u/]/ n]lvPsf] cg'R5]bnfO{ cfRdk/s cg'R5]b elgG5 . cg'R5]b ljleGg k|sf/sf

x'G5g h:t} tfls{s, j:t'k/s, cfTdk/s, cfn+sfl/s, ljZn]if0ffTds, efjgfTds, lgb]{lzt , :jtGq,

ljj/0ffTds/ JofVofTds cfbL x'G5g .

j:t'k/s cg'R5]bsf] gd'gf

zLif{s M df6f]sf] pkof]lutf

o; e'jgel/ kfOg] df6f] ;d:t k|f0fL hutsf] cGo kmnkm'n kfgL cflbsf] d'n ;|f]t xf] . df6f]df
dfG5]n] cGg kmnfp5g / To;}n] xfdL ;a}sf] k|f0fnfO{ /Iff u5{ . df6f] x/]s b[li6n] dxTjk'0f{ 5 .
df6f]df ldl;g] cg]s k|sf/sf /f;folgs tTjn] df6f]sf] pj{/f zlQm gi6 ub{5 . /f;folgs tTj
ldl;Psf] df6fdf /fd|f] tl/sfn] v]lt of]Uo dfGg ;lsb}g .
4
 cfTdk/s cg'R5]bsf] gd'gf M
zLif{s M /f/fsf] ;f}Gbo{
nfU5 /f/fsf] ;f}Gbo{ ;f/f dflg;sf] :kGbgnfO{ ;lhn} r'Dg ;Sbf] /x]5 .
hj d /f/fsf] ;f}Gbo{nfO{ cfFvfdf s}b ub}{ lyP tj Tof] lgnf] kf]v/Lsf] kfgLdf aonL v]ln/x]sf]
xfjf d]/f] 5]p cfP/ dnfO{ g} Tolx tfndf t nlu/x]sf] 5}g eGg] cg'e"lt eof] . /f/fsf] ;f}Gbo{ a9f]
cRrdsf] /x]5, o;n] t zf;snfO{ klg slj agfpbf] kf] /x]5 . d Tof] ;f}Gbo{ nfO{ cfFvf af6
x6fpg rflx/x]sf] lyOgF .

ljj/0ffTds cg'R5]bsf] gd'gf

zLif{s M sf7df8f+}
snf, ;:s[lt / P]ltxfl;s dxTj af]s]sf] 7fFp xf] . oxfFsf lrqsnf a:t'snfn] sf7df8f}+nfO{
ljZje/ lrgfPsf 5g . oxfF kz'kltgfy :jode'gfy, rfFu' gf/fo0f xg'dfg b/af/ cflb /x]sf 5g
. k|tfk dNnn] agfPsf] /fgL kf]v/L, lj/zdz]/n] agfPsf] 306f3/ cflb /x]sf 5g . sf7df8f}+df
/x]sf ljleGg 7fpFdf d7dlGb/ cflb P]ltxfl;s dxTj af]s]sf ;Dkbfx? X'g .

5
 PsfO{ tLg
Jojxf/Ls n]vgsf] 9fFrf
lr¶L eGgfn] s'g} JolQm jf ;+3;+:yfn] k|fksnfO{ lbg vf]h]sf] lnlvt ;Gb]z vj/ cflbnfO{ a'lemG5

. o;nfO{ kq/rgf klg elgG5 . lr¶LkqnfO{ 3/fo;LJojxfl/s sfof{noLo cflbsf ?kdf 5g\ .

lr¶LkqnfO{ cgf}krfl/s cf}krfl/s JolQmut cflb ?kdf ljefhg u/LG5 . 3/fo;L lr¶L

gftfuf]tfnfO{ lbOG5 eg] Jojxfl/s lr¶L Jofkf/ tyf Joj;fo ug{ JoStLnfO{ jf ;+:yfnfO{

lbOG5 .

sfof{noLo lr¶L

s'g} klg Ps sfof{non] csf]{ sfof{no jf sfof{non] JolQmnfO{ n]Vg] lr¶L nfO{ sfof{noLo lr¶L

elgG5 . Ps ;+3;+yf jf cGo ;+3;+:yfn] n]Vg] kqnfO{ sfof{noLo lr¶L elgG5 .

6
 sfof{noLo lr¶Lsf] gd'gf M

kq=;+Vof )&^.&&
r=g+=@) ldlt @)*).)%.@)
>L dxfk|jGws
;femf k|sfzg
Kf'Nrf]s nlntk'/
Dfxf]bo,
ljifo M k':ts pknJw u/fOlbg] jf/] .

pko'Qm ;DjGwdf o; g]xf k':ts lbg s[i0fk'/n] ljut nfdf] ;dob]lv ;femf k|sfzgjf6 k|sflzt
k':tsx? laqmL ljt/0f ub}{ ePsf] Joxf]/f tkfO{nfO{ cjut g} 5 . gofF z}lIfs ;q;'? x'g nfu]sf]n]
lgDgfg';f/ k':tsx? oyflz3| pknJw u/fOlbgx'g cg'/f]w ul/G5 .

qm=;= Kf':tssf] gfd Kf|lt

! clgjfo{ g]kfnL !))
@ clgjfo{ c+u|]hL @))
# clgjfo{ Ufl0ft @))
$ clgjfo{ lj1fg !%)
% clgjfo{;fdflhs !))
^ clgjfo{ Hfg;+Vof !%)
& P]lR5s ul0ft @))
* P]lR5s cy{zf:q !))
( P]lR5s n]vf !))
hDdf !#)) k|lt
pNn]lvt k':tsx?sf] e'StfgL :j?k ? @,)),))) cIf?kL b'O{ nfv ?lkof dfq_ ;femf k|sfzgsf]
gfddf /x]sf] /fli6o jfl0fHo a}+ssf] vftf g+=!@*) df k7fOPsf] Joxf]/f cg'/f]w 5 ;xof]usf] nflu
wGojfb .
ejbLo
k|f] hubLz e§

7
lrÝL vfdsf] gd'gf M
Kf|]ifs Kf|fks
hubLz e§ >L dxfk|jGws
g]xf k':ts ;bg ;femf k|sfzg k|f=ln=
s[i0fk'/ % u'n/Lof Kf'nrf]s nlntk'/ g]kfn

8
 PsfO rf/
Kf|zf;lgs n]vgsf] kl/ro
Kf|zf;lgs n]vg eg]sf] s'g}klg ;/sf/L sfof{no jf ;+3 ;:yfsf ultljlwsf] ;~rfng Joj:yfkg

lgb]{zg cg'udg ;DkGGf ug{sf nflu n]lvPsf] cf}krfl/s n]vgnfO{ k|zf;lgs n]vg elgG5 . h:t}

o;sf sfof{no ;+3;+:yfsf sd{rf/Lsf] Joj:yfkg ;Fu ;DjlGwt lGfo'lQm, ;?jf, j9'jf sfuh,

/flhgfdf cflbkqx? Kf|zf;lgs n]vgdf k|b{5g . ljleGg lsl;dsf ;dflhs 36gfx?sf] clen]v

/fVgsf] nfuL cfjZos kb{5 . h:t} ljjfx btf{, hGd btf{, d[To' btf{ , j;fO;/fO{, gftf k|df0f

cflb o;} cGtut{ k5{g .

9
 != d~h'/Lgfdfsf] gd'gf M

lnlvtd=======================sL a'xf/L ============sL >LdtL sf=lh========j8f g+================j:g]

jif{===============sL===================sf] >LdtL sf= lh=sf=d=g=kf= j8f g+============jif{========= j:g]

jif{============sL =======;Fusf] btf{ jb/ rng rnfO{ ul/kfpF eGGf] d'2f xfn k'g/fj]bg cbfnt kf6gdf

ljrf/flwgdf /x]sf]df k|ltjfbL;Fu 3/;f/df ;/;Nnfx x'bfF ldnfkq ug]{ s'/f ePsfdf k'g/fj]bgdf

pkl:yt eO{ d'2f ldnfkq ug{ dnfO{ 3/fo;L sfdsfhn] km';{b gx'g] x'bfF k'=j]=c=df=pkl:yt eO{

pQm ljkIfL ;+usf] pQm d'2fdf d]/f] afbL bfaL cyf{t\ k'g/fj]bg cg';f/ x'g] u/L ldnfkq ug{ nfO{

d]/f Psf3/sf 5f]/f jif{===========sf]==============nfO{ of] jf/];gfdf lbO{ k7fPsf] 5' . lgh jf/];n] d]/f

;§f k'=j]=c= df pkl:yt eO{ pQm ljkIfL;Fusf] pQm d'2fdf jfbL bfjL cg';f/ x'g]u/L d'2f ldnfkq

u/]df d]/f] d~h'/L 5 . lgh jf/];n] d'2f ldnfkq ug{ kfOg] xf]Og egL sxLF st}F ph'/afh'/ ug]{

5}g . u/]df o;} jf/];gfdfsf] sfuhn] ab/ xf];\ . dnfO{ c8\8f cbfntjf6 nfu]sf] b08 hl/jfgf,

b;f}+b, cfb]zn] ltg{, afsLF /x]sf] sf]6{ kmL, ;/sf/L lauf] ;d]t ltg{ ltg]{ / a'emfpg] sfd ul/;s]sf]

5' . glt/L afsLF /fv]sf]7x/] ef]Ug tof/ 5' egL d]/f] /fhLv';Lsf ;fy sf=lh=sf=d=g=kf= j8f

g+========df j;L lsgf/fsf ;fIfLsf /f]xj/df of] d~h'/Lgfdfsf] sfuh n]vL n]vfO bfofF jfofF ;lx

5fk u/L u/fO{ ltdL Psf3/sf] 5f]/f ==========nfO{ lbof}+ .

Olt ;Djt\ ===============;fn=============ut] /f]h================z'ed .

10
 @= hGdbtf{ k|df0fkqsf] gd'gf
cg';'rL !@
lgod !@ ;Fu ;DjlGwt
Gf]kfn ;/sf/
;+3Lo dfldnf tyf :yfgLo ljsf; dGqfno
:yfgLo kl~hsflwsf/Lsf] sfof{no
================UffpFkflnsf Ögu/kflnsf
=============lhNnf
btf{ g+=
btf{ ldltM
kfl/jfl/s nfut kmf/d g+=&
o; sfof{nodf v8f ul/Psf] hGd btf{ lstfAf cg';f/ k|dfl0ft ul/G5 ls ;'rs

>L=====================n] e/]sf] cg';'rL @ sf] kmf/dsf cfwf/df v8f ul/Psf] hGdbt{f lstfa cg';f/

k|dfl0ft ul/G5 ls >L=====================sf] gfltgL gflt >LdtL======================tyf

>L==========================sf] 5f]/f 5f]/L >L ===============sf] ldlt =================df hGd ePsf] xf] .

gful/stf lnPsf] eP gful/stf k|df0fkq g+= hf/L ldlt / lhNnf

s_ a'afsf]M
v_ cfdfsf] M
:yfgLo k~hsflwsf/Lsf]
;xL M
Gffdy/ M
ldltM

11
 #= a;fO ;/fOsf] gd'gf M
Gf]kfn ;/sf/
;+3Lo dfldnf tyf :yfgLo ljsf; dGqfno
:yfgLo kl~hsflwsf/Lsf] sfof{no
btf{ ldlt+=
btf{ g+=
o; sfof{nodf /x]sf] j;fO;/fOsf] btf{ lstfjcg';f/ k|dfl0ft ul/g5 ls ===============j:g]
>L=================PSn} kl/jf/;lxt=======================df jf6 ;/L uPsf] ================PSn} kl/jf/;lxt
=========================jf6 ;/L uPsf] ;/L cfPsf] xf] .

:yfgLo k~hsflwsf/Lsf]

;xL M

Gffdy/ M

ldltM

g=kf=÷uf=kf=

lhNnf

12
 $= 5f]8kq
ljjfx ljR5]bsf] k|tfj :j?k s'g} klg j:t' ;DkQL jf cGo ;'ljwf xs 5f8L :qLn]
k'?ifnfO{ jf k'?ifn] :qLnfO{ n]lvlbg] sfuhkqnfO{ 5f]8kq ;DjGw ljR5]b elgG5 .

5f]8kqsf] gd'gf
lnlvtd====================================================lhNnf ====================g=kfÖuf=kf=
===============lhNnf =================uf=kf=Ög=kf=j8f g+=========== j:g] jif{ =======sf]============!
bfofF

j8f g+=====================j:g]=======================================sf] gftL ==========sf] 5f]/f

afofF

jif{==========sf] cfu] tkfO{ ;f]xL ufpF 7fpF j:g] ============sf ============efO{ 5f]/fdf h]7f]

d, sG5f ==============ePsf] cfdf ===============jif{ cl3 :ju{df jf; eO;s]sfn] hf]

===============lhNnf =================uf=kf=Ög=kf=j8f g+=========== j:g] jif{ =======sf]============!

ePsf] ;DklQ# efudf nfUg]5 tfklg dnfO{ lktfn] b'Mv u/L k9fO{ ;Ifd u/fpg'

ePsf]n] d cfðgf] sdfOn] Jojxf/ rnfpg ;Ifd ePsfn] tkfO{ ===============af6 Ps

k};f glnO{ c+z 5f]8kq ul/lbPsf] 5' . kl5 k'vf{sf ;DklQdf d]/f] s'g} xsbfjL /xg]

5}g egL dgf]dfgL v';L/fhLsf ;fy 5f]8kqsf] sfuh n]vL tkfO{nfO{ lbPF .
;fIfLx?

bfofF afofF

Olt

;Djt\===============;fn ===========dlxgf ======ut] /f]h =============z'e

13
 PsfO{ kfFr
sfg'gL n]vg
3/fo;L sfd Jojxf/df ul/g] ljleGg lsl;dsf lnvtnfO{ sfg'g jdf]lhd n]lvG5 eg To;nfO{

sfg'gL n]vg elgG5 . o; k|sf/sf] sfg'gL lnvtn] ;j} kIfsf] xslxt / clwsf/sf] /Iff ug]{ /

cfkm'nfO{ klg ;'/lIft ug]{ u5{ . o;/L cfkm'nfO{ ;'/Iff k|bfg ug{ sfg'gn] g} lgdf{0f ul/Psf]

lnvtnfO{ sfg'g 4f/f g} ;dfKt ul/G5 . o; jf6 ;fx'/ cf;fdL b'j}sf] lxt x'G5 ls sL sfg'gL

lnvtn] pNn]v ug'{kg]{ sf?l0fssf] ltgk':t] sf?0fLsf] pd]/ 7]ufgf :ki6 v'nfPsf] x'G5 o;jf6

sfg'gL pkrf/ ug{ ;lsG5 .

Df'bf dfldnfsf] lznl;nfdf tof /x'g] cbfntsf] sfo{ljlw ;DjGwL k|lqmof / lnlvtsf] 9fFrdf Wofg

lbg'kb{5 . o;sf ;fy} Jojxfl/s n]vg lnvtsf ?kdf C0f ;fk6L lnbf crn ;DktL v/Lb ljqmL

/fhLgfdf ubf{ bfg bftf ubf{ 3/ jxfndf lbbf, Jojxfl/s ;Demf}tf cflb ubf{ cz+j08f ubf{, bfg

bftJo ubf{ 3/ axfndf lbbf Jojxfl/s ;Demf}tf cflb ubf{ sfo{ sfg'gL ?kdf lnvt ug'{k5{ .

o:tf lnvtx? Tof/ ug]{ tl/sf jf ljlw jf 9frf ;DjGwdf d'n'sL P]gsf] sfuhsf] dxTj n]gb]gsf]

dxTj / /lhi6]zgsf] dxn?kdf ;fdfGo Joj:yf ul/Psf] 5 . o; cfwf/df sfg'gL n]vgsf] 9frfF

tof/ ul/g'k5{ .

14
 ! a}fgfa§fsf] gd'gf M

lnlvtd\ ===================sf] gfltgL==================sf] 5f]/L sf=k=lh=============uf=lj=;= j8f

===============lhNnf =================uf=kf=Ög=kf=j8f g+=========== j:g] jif{ =======sf]============!
bfofF

g+===========j:g] jif{================sL===============cfu] d}n] tkfO{ ================c~rn

afofF

==============lhNnf ==========uf=lj=;==============sf] gflt ===========sf] 5f]/f jif{============sf]

===========af6 gub g]kfnL ?k}of ============== cIf]?kL =============== ?k}of a}gf lnP jfkmt
===============lhNnf =================uf=kf=Ög=kf=j8f g+=========== j:g] jif{ =======sf]============!

d]/f] gfddf dfnkf]t sfof{no ============df btf{ sfod /x]sf] sf=k=lh=================j8f

g+============sf] lsQf g+=^============sf] If]qkmn =====================hUuf k'/f lsQfsf] d'No ?

=================df ljqmL ug{ d~h'/ eO{ j}gf lnPsf] l7s ;frf] xf] . afFsL g]kfnL ?k}of

=============== /sd cfhsf ldltn] !% lbg leq a'emfPsf avt b]lvPsf] pQm
;fIfLx?

ls=g+=========sf] hUuf lsQf k'/f ;DjlGwt dfnkf]t sfof{nodf pkl:yt d} /lhi6]zg kf;

ul/lbg]5' . s'g} Joxf]/fn] n]lvPsf] hUuf kfl/t u/L glbPdf sfg'g adf]lhd u/L lng'

ePsf]df d]/f] d~h'/L 5 egL d]/f] dgf]dfg v';L/fhL;Fu lsgf/sf ;fIfLx?sf] /f]xj/df

sf=k=lh= ag]kf tL bf]af6f]df cjl:yt sfof{nodf a;L of] hUuf ljqmLsf] a}gfa§fsf]

sfuh n]vL n]vfO{ ;xL5fk u/L tkfO{============nfO{ lbP .

Olt ;Djt\ ===================;fn ===========dlxgf==========ut] /f]h ============z'ed .

15
 @ /flhgfdfsf] kl/ro M
cfðgf] clwsf/df /x]sf] crn ;DklQ xs /fh v';Lsf ;fy s;}nfO{ 5f]l8lbO To;} cg';f/

ul/g] n]vgnfO{ /flhgfdf elGfG5 .

/flhgfdfsf] gd'gf M

lnlvtd wgLsf gfd ==============sf] gftL==============sf] 5f]/f Ö5f]/L

===============lhNnf =================uf=kf=Ög=kf=j8f g+=========== j:g] jif{ =======sf]============!
bfofF

=============lhNnf================ ========g=kf=Öuf=kf j8f g=========j:g] jif{ ====sf] >L

afofF

============C0fLsf gfd ===========sf] gftL=============sf] 5f]/f Ö5f]/L===========lhNnf ===========

===============lhNnf =================uf=kf=Ög=kf=j8f g+=========== j:g] jif{ =======sf]============!

g=kf=Öuf=kf j8f g==========j:g] jif{=============sf] ================n] gub g]kfnL ?k}of

=================cIf?kL=======================jfv|f kfng ug{sf nfuL lnPsf] l7s ;frfF] xf] . of]

?k}ofdf c? s;}nfO{ s]xL u/L n]lv glbPsf] d]/f] xs ef]u btf{sf]========uf=kf=Ög=kf= j8f

g+=========sf] k"j{ ;8s klZrd rf}/, pQ/ =============sf] 3/ blIf0f =========sf] hUuf olt $ lsNnf

leqsf] dflyNnf] v]t eGGf] /f]kgL =========hUuf cfhsf ldltb]lv xs5f8L /fhLgfdf ul/lbP .
;fIfLx?

nfu]sf] lt/f] u/L cfðgf] hlt ef]u rng ug'{ . cfu] ubf{ s]xL Joxf]/f jf6 sRrf eO{ ;fx'n]

ef]u ug{ kfpg' ePg eg] ;fFjf P]g jdf]lhd Jofh ;d]t d]/f c? 3/ 3/fgjf6 pk/ u/L lng'

egL d]/f] dgf]dfg v';L/fhLsf ;fy tkfO ;fx's} 3/ lk9Ldf a;L bfofF jfofF lsgf/fsf] ;fIffLsf]

/f]xj/df /fhLgfdf n]lvlbP .

;fIfL lsgf/fsf] ;b/ . of] /fhLgfdf P]gsf] Dofb leq /lhi6]zg u/L lbpFnf .

Olt ;Djt\==========;fn=========dlxgf =========ut] /f]h ==================z'ed .

bfFof jfFof
16
 PsfO{ ^

Af}s tyf ljlQo sf/f]af/ ;DjGwL n]vg

Af}+s ef}r/

sfof{no a}+sdf gub w/f}6L /fVg, ltbf{ jf hDdf ubf{ k|df0f:j?k kfOg] /l;b gub hDdf u/]sf]

k|df0fkq g} ef}r/ xf]. ;/sf/L / k|fOe]6 a}+ssf ef}r/x?df ;fdfgo leGgtf /x]sf] kfOG5 . cfly{s

sf/f]jf/ ug]{ ;j} ljQLo ;+:yfn] ef}r/sf] k|of]u u5{g . g]kfn a}+s lnld6]8sf] ef}r/sf] gd'gf tn

k|:t't ul/Psf] 5 .

17
 ! a}+s ef}r/ Gfd'gf

hDdf ef}r/ ÷DEPOSIT SLIP

rNtL jrt d'btL cGo

Current Saving Fixed Others
=========================zfvf÷Branch
ldlt Date===================================
Vfftfjfnfsf] gfd
:============================vftf g+=
Account HolderÚs Name: Account NO.
7]ufgf/ Address:=========================================================
Gfub r]s 8fkm6/ Check Draft /sd cÍdf/ Amount in Figures

/sd cIf/df ÷Amount in words:

Rf]s ÷8fkm6 lvRg] j}ssf] gfd / 7]ufgf /sd Gfub ljj/0f 6]n/
Chaquee Draft No. Drawee bank Branch Amount Cash Denomination Taller

1000x =
500x =
100x =
50x =
20x =
10x =
5x =
HfDdf Total
/sdsf] >f]t-? bz nfv jf ;f] eGbf dflysf] nflu_ hDdf /Total
Source of Funds (For deposit up to Rs1 Million or more)
hDdf ug]{ M/ Deposit By: lkmtf{ /Refund
df]jfOn g+= /Mobile : s'n hDdf a'lemlng]
Grand Total Received By
Gff]6 gub jf r]s 8fkm\6 ubf{ vftfjfnfsf] gfd jf vftf g+= km/s k/]df j}+s hjfkmb]xL x'g] 5}g .
Note: Bank will not be held responsible if deposited otherwise, because of incorrect name and or account number.

18
 @ lwtf] km'Sjf
lwtf] /fv]/ u/]sf] td;'s C0f km's'jf elgG5 . C0f lnbf cfkm'n] /fv]sf] lwtf] jGws td;'s
pNn]lvt /sdsf] r'Stf ul/;s]kl5 lgodfg';f/ lwtf] km's'jf ul/lbgsf] nflu n]lvPsf] lnlvt
lwtf] jGws xf] .

lwtf] km'Ssfsf] gd'gf M

>Ldfg\ k|d'v Ho"
Dffnkf]t sfof{no
Wf'lnv]n sfe|]
ljifo M 3/hUuf nfut s§f u/L b'li6 aGws km's'jf ul/lbg]jf/] .
Dfxf]bo,
pko'Qm ljifodf o; ;+:yfsf ;]o/ ;b:o =========n] tklznsf] hUuf lwtf] /fvL C0f sf/f]jf/ u/L

;Sg' ePsf] x'bf To; sfof{nosf] k=;=======r=g=======ldlt==========sf] kqaf6 jf=/=g=af=o; ;+:yfsf]

gfddf b[li6aGws kfl/t u/L /f]Ssf ePsf] pQm hUuf km's'jf ul/lbgx'g ;fb/ cg'/f]w ub{5f}+ .

km's'jfsf] nflu clVtof/ k|fKt ug]{ JolQmsf]

Gffd M========================

kbM========================== ==============

x:tfIf/ M =============== ;+of]hs

19
 PsfO{ ;ft
Effiff ;Dkfbg
! efiff ;Dkfbgsf] kl/ro

;fdfrf/, kqklqsf,n]v/rgf, k':ts, u|Gy cfbLsf] n]lvt /rgf tyf ljifoj:t'nfO{ pko'Qm

lsl;dn] k7g of]Uo jgfpg' jf k|sfzg of]Uo jgfpg'nfO{ efiff ;Dkfbg elgG5 .of] dgjLo /

cg'e"ltnfO{ cleJoQm ug]{ ;jeGbf ;Ifd / ;jf{lws pkof]uL dfWod efiff g} xf] . d"n efj ljrf/

d}lns gljufl/sg n]vssf] cf;o gvlhg] u/L cfjZostfcg';f/ yk 36 ;d]tsf cfwf/df

cfjZpstf ;+zf]wg / kl/j2g u/L k|sfzg of]Uo jgfpg g} efiff ;Dkfbg xf] . efiff ;Dkfbgsf

nfuL uxg ljifout 1fg x'g' cfjZos 5 . efiff ;Dkfbgjf6 dfq kf7\o;fdu|Lx? Kf7gof]Uo x'G5g

@= efiff ;Dkfbgsf] cfjZostf

Effiff ;Dkfbg ljgf s'g} klg n]lvt ;dfu|Lx?, k7gkf7g / k|sfzg of]UOo x'b}gg .efiff dfgljo

jfSk|ltsx?sf] Jojl:yt k|of]u xf] . n]vgdf z'4tf / kl/isf/sf nflu efiffsf] cfjZostf jb{5 .

efiff ;Dkfbgsf] cfjZostfnfO{ lgDg a'bfx?sf] cfwf/df :ki6 kfg{ ;lsG5 M

 s[lt jf /rgfnfO{ Jojl:yt, dfgs tyf :t/Lo jgfpg ,

 ;fdu|Ldf Ps ?ktf sfod ug{,

 Eflifs tyf Jojxf/Ls q[l6x? x6fpg ,

 efiffnfO{ kf7s d}qL jf nlIft jgfpg,

 efiffnfO{ ;+zf]wg ug{,

20
 d'b\s jf 6+sg;Fu ;DjlGwt q'l6x?sf] lg/fs/0f u/L kl/is[t t'Nofpg,

 n]vfO / k|:t'ltnfO{ pko'Qm/ cfsif{s jgfpg ,

 tYok"0f{ / k|efjsf/L ;fdu|L ;dfj]z ug{ ,

 cgfjZos sdhf]/L / q'l6x? x6fpg,

 ;"rgfnfO{ ljZj;lgo / ;fy{s jgfpg,

 d"b|0f ;fdu|LnfO{ ;j{:jLsfo{ agfpg,

 ljifout sdhf]/Lx? / ck"0f{tf x6fpg,

 ;'rgf 1fgnfO{ ;~rf/of]Uo / k|;f/0f of]Uo agfpg,

 ;fdu|LnfO{ ;To, tYo / a}w jgfpg .

21
 PsfO{ cf7
Kff08'lnlk ;Dkfbg
!= kf08'lnlk ;Dkfbgsf] kl/ro
Kff08'lnlk eg]sf] x:tlnlvt jf 6fOk ug{sf nflu tof/ ul/Psf] ;fdu|L xf] . kf08'lnlk

x:tlnlvtsf] cfwf/ ;fdu|L xf] . k|sfzlso ;fdu|L tyf x:t lnlvt ;fdu|L b'j} k|sfztsf nflu

tof/ ul/Psf] ;fdu|Lsf ;Gbe{df kf08'lnlknfO{ lnPsf] 5 . oL ;fdu|Lsf] k|of]u u/]kl5 dfq s[ltdf

/rgf k|sfzg of]Ug x'G5g\ . s[lt jf /rgfnfO{ k|sfzg ug'{k"j{ ljleGg kIfdf cfwfl/t /xL ;Dkfbg

ug'{k5 . kf08'lnlk tof/ ubf{ bfofF, afofF, tndfly s]xL :yfg jf 7fpF 5f]8 \g' k5{ . clg z'4 :ki6

?kdf n]lvPsf] kf08'lnlk 6fOlkª sDKo'6/df ug{ ;lhnf] x'G5 . s'g} klg s[lt jf /rgfsf]

;+/rgf,efiff, k|of]u, /rgfsf] jf}Btf / ;fGblestf x]/]/ cfjZostf cg';f/ ;Dkfbg ug'{k5{ .

@= 5kfO{ z'l4 / lrGxsf] k|of]u

lglZrt lgodfg';f/ vf; vf; lrGxsf] k|of]u u/L ul/g] ;+zf]wgnfO{ 5kfO{ z'l4 elgG5 . o;nfO{

kkm|l/l8ª klg elgG5 . o;df ;fdu|Lx?nfO{ unt eP ;Rofpg' kg]{ :yfgdf vf; ;s}t jf lrGx

5kfO{ z'l4 tyf ;Dkfbgsf] lgb]{zg ul/G5 . lgwfl/t lrGxx?sf] k|of]u u/L lgodfg';f /eflifs

;+zf]wg tyf kl/isf/ 5kfO z'l4 xf] .5fKg' eGbf klxn] ul/g ];+zf]wg 5kfO z'l4 xf] .

s'g} klg v];|f 6fOk ;fdu|L x]/L h'g 7fpFdf ;Rofpg' kg]{ :yfgdf pko'Qm lrGx ;xLt ;Rofpg

lbOg] lrGxnfO{ 5kfO z'l4 lrGx elgG5 . 6fOlkË ubf{ z'4;Fu 6fOk ePsf] 5 ls 5}g eGg] s'/f

5kfO z'l4df yfxf x'G5 . efiff ;Dkfbgsf nflu z'l4 lrGxx? OG6/g]6df klg kfOG5g . o;df

22
lglZrt lgod / lrGxsf] k|of]u ul/G5. Efiffdf 5kfO z'l4sf ljleGg q[l6 5g ltgsf] Vofn u/]/

5kfO z'l4 jgfpg'k5{ . 5kfO z'l4df k|of]u ul/g] s]xL lrGxx? ljleGg k|sf/sf 5g .

lrGx lrGxx?sf] cy{

] bfoFftkm{ n}hfg]

[ jfofFtkm{ n}hfg]

D x6fpg] jf lemSg]

H lrGxcIf/ jfSo rIg]

-------- Hf:tfsf] To:t} /fVg]

< :ki6 x'g' kg]{

NP gofF cg'R5]b z'? ug]{

23
 cWofo ltg
lgisif{ ;f/fz / ;'emfj
k|:t't cWoog lq=lj=cGtut /x]sf] rf/ jif]{ lj=P8= rf}yf] jif{sf] Jojxfl/s n]vg tyf ;Dkfbg

ljifosf] kf7\ofzdf k"0f{t M cfwfl/t 5 . d"t M @) k"0ff{Ísf] k|of]ufTds d"Nofsgsf If]qsf] cWoog

kq tof/ kfl/Psf] xf] . Jojxf/s n]vg sf] kl/ro lbO{ o;sf] cfjzostf cf}Nofpb} k|sf/sf]

ljZn]if0f ug]{ d'n pb]Zosf ;fy tof /kfl/Psf] k|:t't cWoog kqdf ljZn]if0ffTds ljlw pkof]u

ul/Psf] 5 eGg] ;dfuL ;+sngsf nflu k':tsfnoLo cWoog k|lwmofnfO{ cjnDjg ul/Psf] 5 .

b}lgs Jojxf/df sfo{ Pjd ultljlwx? Klg n]vfO ;+u} ;DjGwLTf x'G5g . sltko sfo{ n]lvt ?kdf

ug{ clgjfo{ h:tf] x'G5 eGg] sltko sfo{x? n]Vg ug{ ;xh / pko'Qm x'g] vfnsf x'G5g .

b}lgspkef]Uo j:t'x? vl/b ubf{ /flvg] clen]v xf] .

24
;Gbe{ ;fdu|Lx?
!= vlgof, a'4/fh / clwsf/L /fds'df/ -@)&%_, Jojxfl/s n]vg / ;Dkfbg sf7df08f}= M

h'lk6/ .

@= e08f/L, kf/;dl0f / cGo -@)&%_ cg';Gwfg ljlw, ef]6flx8L, sf7df08f}+ M ljBfyL{ k':ts

e08f/ .

#=clwsf/L,rGbsfGt-@)$^_ n]vg tyf ljj]rgf u/]/ lbg] ;f]Nof ;flxTo ;+3

$=clgjfo{ g]kfnL ljifo :yfoL ;ldlt ;Dkfbg-@)^^_ clgjfo{ g]kfnL lzIf0f lgb]{lzsf

sf7df08f} zfvf k|sfzg

%= of]uL ljsf; gGb-@)^@_ dfOG8 kf7\o tyf dgsf] lj1fg sf8df08f} M /fjL of]q k|sfzg

k|f=ln=

25