================= ;+:yf ln=

t/ntf gLlt @)&(

k|:tfjgfM
o; ;+:yfn] sfo{If]q leqsf JolQmx?nfO{ ;b:o agfO{ art tyf C0fsf] sf/f]jf/ ug]{ x'bf ;+:yfsf] a[xt
cfly{s nIo dWo] cfly{s :yfoLTj k|d'v xf] h;sf] cfwf/ t/ntf Joj:yfkg klg Ps xf] . artstf{n] lkmtf{
dfu]sf] avt gubsf] pknJwtf x'g] Pj+ nufgLof]Uo k'FhLsf] Joj:yf u/L cGo cNksfnLg ?kdf e'QmfgLsf]
nflu cfjZos gubsf] kof{Kttf x'g] cj:yfnfO{ agfO{ /fVgsf] nflu o; gLltsf] cfjZostf ePsf]n] o;
;+:yfsf] ljlgod @)^$ sf] kl/R5]b ( cGtu{t /xL of] t/ntf gLlt – @)&( hf/L ul/Psf] 5 .

kl/R5]b !
k|f/lDes
!= ;+lIfKt gfd / k|f/DeM
-s_ of] gLltsf] gfd æ================= ;+:yfsf] t/ntf gLlt @)&(Æ /x]sf] 5 .
-v_ of] t/ntf gLlt ;fwf/0f;efaf6 :jLs[t eP kl5 nfu' x'g]5 .

@= kl/efiff M
ljifo jf k|;Ëun] csf{] cy{ gnfu]df o; art gLltdf

-s_ “P]g” eGgfn] ;xsf/L P]g,@)&$ ;Demg' kb{5, of] zAbn] k|b]z ;xsf/L / :yfgLo txsf] ;xsf/L
P]gnfO{ ;d]t hgfpg]5 .
-v_ “lgodfjnL” eGgfn] ;xsf/L lgodfjnL, @)&% ;Demg' kb{5, of] zJbn] k|b]z ;xsf/L / :yfgLo
txsf] ;xsf/L lgodfjnLnfO{ ;d]t hgfpg]5.
-u_ “/lhi6«f/” eGgfn] ;xsf/L ljefusf /lhi6«f/ jf lghjf6 clwsf/ k|fKt clwsf/LnfO{ ;d]t ;Demg'
kb{5 ;fy} ;f] zJbn] lgodgsf/L lgsfosf] ;xsf/L x]g]{ k|d'vnfO{ ;d]t hgfpg]5 .
-3_ “ljlgod” eGgfn] ================= ;+:yf ln= sf] ljlgod @)^$ nfO{ ;Demg' kb{5 .
-ª_ æ;+:yfÆ eGgfn] ================= ;+:yf ln= nfO{ ;Demg' kb{5 .
-r_ æt/ntf gLltÆ eGgfn] ;+:yfsf] t/ntf gLlt @)&( nfO{ hgfpg] 5 .
-5_ æ;b:oÆ eGgfn] ;+:yfsf] tf]lsP adf]lhsf] z]o/ vl/b ug]{ JolQm jf ;b:otf gLlt adf]lhdsf z]o/
;b:ox¿nfO{ hgfpg] 5 .
-h_ æ;~rfnsÆ eGgfn] ;+:yfsf] ;ldltsf] ;b:o ;Demg'kb{5 / ;f] zAbn] ;ldltsf] kbflwsf/LnfO{ ;d]t
hgfpF5 .
 -em_ “;DklQ tyf bfloTj Joj:yfkg ;ldlt -Assets and Liabilities Management Committee-ALCO _”
eGgfn] ;ldltsf] lg0f{ojf6 ul7t pk;ldlt eGg] a'´\g' kb{5 .
-~f_ æsd{rf/LÆ eGgfn] ;+rfns ;ldltaf6 b}lgs sfo{ ;Dkfbgsf] nflu kfl/>lds e'QmfgL ug]{ u/L lgo'Qm
;+:yfsf sfo{sf/L k|d'v nufot cGo cflwsfl/s JolQmx? ;d]tnfO{ hgfpg] 5 .
-6_ æt/ntfÆ eGgfn] ;+:yfn] cfˆgf] cNksfnLg bfloTjx?nfO{ e'Qmfg ug{ ;Sg] ;IfdtfnfO{ t/ntf
;Demg' kb{5 .
-7_ æt/ntf hf]lvdÆ eGgfn] ;+:yfn] cNksflng bfloTjx?sf] >f]tjf6 lb3{sfnLg ;DkQLx?df ul/Psf]
nufgLsf] sf/0f pTkGg hf]lvdnfO{ t/ntf hf]lvd ;Demg' kb{5 .
-8_ ætf]lsP adf]lhdÆ eGgfn] o; gLltsf cnfjf ;+:yfsf] ljlgod / cGo gLlt Pj+ ;DjGwLt ljifodf
ePsf] kl5Nnf] ;+rfns ;ldltsf] lg0f{o adf]lhd eGg] ;Demg' kb{5 .
-9_ æk|fylds k'FhLsf]ifÆ eGgfn] hu]8f sf]if, z]o/ k'FhL, c;n shf{ hf]lvd Joj:yf / jfF8kmFf8 gx'g]
sf]ifsf] of]unfO{ ;Demg' kb{5 .
-0f_ “kN;{ -PEARLS _” eGgfn] ljZj shf{ kl/ifb\ -World Council of Credit Union_ n] ;g\ !(() b]lv art
tyf C0f ;xsf/L ;+:yfx?sf] cg'udgsf nflu kl/rfngdf NofPsf] ljZn]if0f ug]{ ;+oGq eGg] a'em\g'
kb{5 .
-t_ “jf;nft jflx/sf] bfloTj -Off-Balance Sheet Liabilities _” at{dfgdf bfloTjsf] ?kdf g/x]sf] t/
eljiodf bfloTjsf] ?kdf ;[hgf x'g ;Sg] k|s[tLsf] sf/f]jf/nfO{ jf;nft jflx/sf] bfloTj elgG5 .
-y_ “s]lGb|o a}s” eGgfn] g]kfnsf] df}lb|s clwsf/L / a}lsË k|0ffnLsf] lgofds Pj+ ;'kl/j]Ifs ug]{
g]kfn /fi6« a}s eg]/ a'Efm\g' kb{5 .
kl/R5]b @
pb]Zo

$= p2]Zox? M
t/ntfn] g} ;+:yfsf] ljlQo :j:Yotf dfkg ug]{ x'bf jt{dfg Pj+ lgs6 eljiodf e'Qmfg ug{'kg]{ bfloTj
k'/f ug{ ;Sg] cj:yfdf tof/L /xgsf] nflu lgDgfg';f/sf pb]Zox? /x]sf 5g\ .
s_ t/ntfjf6 x'g] hf]lvdnfO{ sd ug]{ .
v_ ljlQo :j:Yotf sfod /fVg] .
u_ eljiodf cfjZos kg]{ t/ntfsf] cg'dfg ug]{ .
3_ /0fg}lts lg0f{o lng ;xh ug]{ .

kl/R5]b #
;DklQ tyf bfloTj Joj:yfkg pk ;ldltsf] u7g
%= u7g k|lqmof M
;+:yfsf] ;DklQ tyf bfloTjsf] sf/0fn] t/ntf hf]lvddf kfg]{ k|efj Go"gLs/0f ;DaGwL sfo{sf] l;kmfl/;
ug{sf] nflu b]xfo adf]lhdsf] ;DklQ tyf bfloTj Joj:yfkg pk;ldlt u7g ug]{5 .
;DklQ tyf bfloTj Joj:yfkg pk;ldltsf] ;+/rgf M
-s_ ;+of]hs – ;~rfns ;ldltn] tf]s]sf] ;~rfns ! hgf
-v_ ;b:o – ;+rfns ;ldltn] tf]s]sf] ;DalGwt If]q÷ljifodf ljz]if cg'ej ePsf]
;~rfns÷z]o/ ;b:o dWo]af6 ! hgf
 -u_ ;b:o ;lrj – sfo{sf/L k|d'v /xg] u/L pk;ldlt u7g ul/g]5 .

kl/R5]b $
t/ntf / t/ntf ;+s6
%= t/ntfsf] ;fdfGo cj:yf M
;fdfGotof t/n ;DklQ slt x'g' k5{ jf cfbz{ t/ntf cj:yf slt xf] eGg] s'/f ;+:yfsf]
cfjZostf, jfx\o kl/:yLlt / ;+:yfsf cGo kl/;'rsx?df e/ kb{5 tyfkL t/n ;DklQ s'n art
/sdsf] sDtLdf !% k|ltzt / al9df @% k|ltzt jf s'n ;DklQsf] sDtLdf !) / al9df @)
k|ltzt x'g'nfO{ t/ntfsf] ;fdfGo cj:yf eg]/ a'em\g' kb{5 . o;sf] u0fgf ug{ lgDgfg';f/sf] ;'q
k|of]u ul/g]5 .
t/n ;DklQ k|ltzt = s'n art ÷- t/n ;DklQ – ! dlxgf leq e'Qmfg lbg'kg]{ bfloTj_
t/n ;DklQ k|ltzt = s'n ;DklQ÷- t/n ;DklQ – ! dlxgf leq e'Qmfg lbg'kg]{ bfloTj_
^= t/ntfsf] clws cj:yf M
;fdfGotof clws t/ntfsf] cj:yf ljlQo ;+:yfdf 5f]6f] ;dosf] nflu b]vf kg]{ ub{5 / obL nfdf]
;do ;Dd /x]df To;sf] gsf/fTds k|efj k|ltkmndf kg{ hfg] x'G5 . ;fdfGo t/ntfsf] cj:yf
eGbf clws t/ntfsf] cj:yf cfPdf lgDgfg';f/sf] /0fgLlt ckgfO{ ;f] sf] Joj:yfkg ug{'kg]{ x'G5.
s= d'2tL lgIf]k vftfdf hDdf ug]{ M sd hf]lvdsf ePsf ;xsf/L j}s tyf ;+3, a}s tyf ljlQo
;+:yfdf cNksfnLg ;dosf] d'2tL lgIf]k vftf ;+rfng ug]{ .
v= cNksfnLg ;DklQdf nufgL ug]{ M sd hf]lvdsf cNksfnLg ;DklQx? h;nfO{ k'gM t/ntfdf
;lhn} sd vr{df ?kfGt/0f ug{ ;lsG5 To:tf ;DklQx? h:t} 6«]h/L ljn, ;/sf/L art kqx?
cflbdf nufgL ug]{ .
u= cfqmfds shf{ lj:tf/sf nflu sfo{ ug]{ M clws t/ntf ;d:of dfq geO{ cj;/ klg ePsf]n]
;du| cfly{s cj:yfsf] ljZn]if0f u/L sd hf]lvdk'0f{ gofF If]qdf shf{ lj:tf/sfnflu jhf/Ls/0f
ug]{ pkfo lz3| ?kdf cjnDjg ug{ ;lsG5 .
3= bL3{sfnLg C0f jf k"FhLut vr{df k|of]u ug]{ M Joj;foLs ?kdf lnO{Psf] bL3{sfnLg C0fsf]
e'QmfgL ug]{ Pj+ Joj;foLs ?kdf cfjZos kF"hLut vr{ ug{ kg]{ ePdf ;f]sf] vl/bsf] nflu
lgofdgsf/L lgsfosf] lgb]{zg leq /xL clws t/ntf k|of]u ug{ ;lsG5 .

&= t/ntf ;+s6 M

;+:yfdf ljlQo cfk'lt{ / dfusf] cj:yfdf ljrng cfpg'sf] sf/0f t/ntfdf a9L Pj+ sdLsf] ;[hgf
x'g k'Ub5. t/ntf ;+s6sf] cj:yfn] 5f]6f] ;dodf g} ljlQo ;+:yf aGb÷vf/]hLsf] cj:yf Nofpg
;Sg] x'bf o; tkm{ ;dod} oy]i6 Wofg lbg' kg]{ x'G5 . t;y{ lgDg sf/0fn] ubf{ t/ntf ;+s6 pTkGg
x'g ;Sg] x'bf ;f]sf] n]vfhf]vf ug{' kb{5 .
s= z]o/ k'FhL k|fKtL eGbf lkmtf{df a[l4 .
v= art k|fKtL eGbf lkmtf{df a[l4 .
u= C0fsf] c;'nL eGbf nufgLdf a[l4 .
3= rfn' ;DklQ eGbf rfn' bfloTjdf a[l4 .
ª= efvf gf3]sf] shf{df a[l4 x'g' .
r= clgZrLt >f]tsf] k|of]u e} ltj| ;DklQdf a[l4 x'g' .
5= k|ltkmn glbg] ;DklQdf ===== eGbf al9 a[l4 x'g' .
 h= ljutsf] aif{x?df s'n sf/f]jf/ :yL/ e} ;+lrlt-d'gfkmf_ df sdL cfpg' .
em= t/ntfsf] ;fdfGo cj:yfdf -bkmf %_ eGbf sdL .
~f= af;nft aflx/sf] bfoLTj ;[hgf x'g' .
6= ;+:yfsf] jf/]df ljleGg gsf/fTds l6sf l6Kk0fL ahf/df k|jfx x'g' .

kl/R5]b %
t/ntf k'jf{g'dfg
*= t/ntfsf] k"jf{g'dfg M ;+:yfn] cfjZos t/ntfsf] Aoj:yfkg ug{sf] nflu ;j{k|yd t/ntfsf]
k"jf{g'dfg ug{'kg]{ x'bf lgDg tl/sf ckgfO{ t/ntfsf] k"jf{g'dfg ul/g]5 M–
-s_ sf]ifsf] ;|f]t / pkof]u tl/sf .
sf]ifsf] ;|f]t / pkof]u tl/sf cg';f/ t/ntfsf] k"jf{g'dfg ubf{ ;f] cGtu{t kg]{ ljleGg ;|f]t /
pkof]lutfx?sf] jlu{s/0f ul/ cg';"rL ! cg';f/ t/ntfsf] k"jf{g'dfg ul/g]5 .

-v_ art tyf bfloTjsf] ;+/rgf tl/sf .

art tyf bfloTjsf] ;+/rgf tl/sf cg';f/ t/ntfsf] k"jf{g'dfg ubf{ ;f] cGtu{tsf art tyf
bfloTjnfO{ e'QmfgL ug{'kg]{ tTk/tfsf] cfwf/df lgDgfg';f/ jlu{s/0f ug{'kg]{5 .
-c_ tTsfn e'Qmfg ug{'kg]{ 5f]6f] cjlwsf] art tyf bfloTjsf] k"jf{g'dfg M o; cGtu{t u}/
d'gfkmf d'ns ;+:yf÷;d'xsf] :jLsf/ ul/Psf] art tyf ljleGg e'Qmfg lbg jfls ljnx?nfO{
o; cGtu{t lnO{G5.
-cf_ slxn] e'Qmfg ug{'kg]{ eGg] olsg gePsf] ;|f]tsf] k"jf{g'dfg M o; cGtu{t tTsfn}
e'Qmfg ug{' gkg]{ t/ slxn] e'Qmfg ug{'kg]{ eGg] olsg gePsf] ;|f]tx? h:t} ;b:ox?jf6
:jLsf/ ul/Psf] ljleGg art vftfdf hDdf ePsf] /sdnfO{ o; cGtu{t lnO{G5.
-O{_ e'Qmfg ug{'kg]{ ;Defjgf sd ePsf] ;|f]tsf] k"jf{g'dfg M o; cGtu{t ;b:ox?jf6 :jLsf/
ul/Psf] ljleGg cfjlws art vftfdf hDdf ePsf] /sdnfO{ o; cGtu{t lnO{G5.

pk/f]Qm bkmf ^-v_ cg';f/sf] art tyf bfloTjsf] ;+/rgf cg';f/sf] t/ntfnfO{ cg';'rL @
cg';f/ u0fgf ul/g]5 .

kl/R5]b ^
t/ntf Joj:yfkg /0flglt

(= t/ntf Joj:yfkgsf] /0fgLlt M

;+:yfdf t/ntfsf] cj:yf ;fdfGo cj:yfdf /fVgsf] nflu Joj:yfkgsf] lgDgfg';f/sf] /0fgLlt
ckgfpg' kg]{ x'G5 .
(=! lgoldt /0fgLlt M
(=!=! ;b:odf cfwf/Lt /0fgLlt M
s= s'n z]o/ k"FhLsf] sDtLdf %) k|ltzt;Dd x'g] u/L ;fgf] kl/0ffdsf z]o/ kF"hL vl/b ug{
;b:ox?nfO{ cfu|x ub}{ v'nf ug]{ .
v= k|To]s ;b:onfO{ lgoldt artsf] bfo/fdf Nofpg] .
u= ljz]if cfjlws art ;]jf ;~rfngdf Nofpg] .
3= gofF k|s[ltsf] cfsl:ds art of]hgf Nofpg] .
ª= C0f c;'nLdf, ljz]if ul/ efvf gf3]sf shf{sf], hf]8 lbg] .
r= ;b:o ;'rgf Pj+ cGt/lqmofdf lj:tf/ ug]{] .
(=!=@ ;+rfngdf cfwf/Lt /0fgLlt M
s= ahf/ cg'?k artsf] Jofhb/ lgwf{/0f ug]{ .
v= art lkmtf{ /sdsf] l;df tf]Sg] .
u= ;DklQ vl/b tyf k"jf{wf/ lgdf{0f sfo{nfO{ :yug ug]{ .
3= ;~rfng vr{ Pj+ cGo lgoldt tyf cfGtl/s sfo{qmd s6f}tL ug]{ .
ª= sd{rf/L egf{ k|s[of cTofjZos jfx]s :yug ug]{ .
(=!=#= ;'rsdf cfwf/Lt /0fgLlt M o; /0fgLlt cGtu{t t/ntfsf] ;fdfGo cj:yf ;+:yfdf sfod
/flv /fVgsf] nflu lgDgfg';f/sf ;'rsx?df Wofg lbb} lgoldt ?kdf sfo{x? ug{' kg]{ x'G5 .
s= lb3{sfnLg bfloTj / s'n ;DklQ cg'kft .
z]o/ k'FhL, ;+:yfut k'FhL , lgoldt art / Ps aif{eGbf al9 cjlwsf cfjlws art h'g lb3{sfnLg
bfloTj cGtu{t kb{5g\ ltgLx?sf] of]ukmn s'n ;DklQsf] cg'kftdf ^) b]lv ^% k|ltzt sfod ug]{.
v= rfn' bfloTj / rfn' ;DklQsf] cg'kft .
rfn' bfloTj cGtu{t rfn' cf=j= leq lkmtf{ ug{'kg]{ art, rfn' cf=j= leq lkmtf{ ug{'kg]{ jfx\o C0f,
ltg{'kg]{ tnj ;'ljwf, v/fj C0f hf]lvd Joj:Yff, ltg{jfls Jofh Pj+ cGo ltg{ jfls bfloTj / rfn'
;DklQ cGtu{t gub jf ;f] ;/x, t/n nufgL, rfn' cf=j= leq cjlw k'Ug] d'2tL nufgL, kfpg'kg]{
lx;fj, rfn' cf=j= leq c;'n x'g] C0f Pj+ ls:tf sf] cg'kft !)) k|ltzt eGbf al9 sfod ug]{ .
u= lgoldt art / s'n ;DklQsf] cg'kft .
;b:ojf6 lgoldt ?kdf x'g] artnfO{ s'n ;DklQsf] sDtLdf @% k|ltzt jf s'n artsf] #%
k|ltzt sfod ug]{ .
3= lb3{sfnLg ;DklQ / rfn' ;DklQsf] s'n ;DklQ ;Fusf] cg'kft .
lb3{sfnLg ;DklQ cGtu{t cfly{s nufgL -z]o/ vl/b, ;+3x?df /fv]sf] lgoldt art, ! cf=j=
eGbf a9L cjlwsf] d'2\tL nufgL, !@ dlxgf eGbf al9 ;dodf c;'nx'g] C0f / :yL/ ;DklQ / cGo
;DklQ ;UfF s'n ;DklQsf] cg'kft ^) k|ltzt x'g cfjZos 5 eg] rfn' ;DklQ cGtu{t gub jf
;f] ;/x, t/n nufgL, rfn' cf=j= leq cjlw k'Ug] d'2tL nufgL, kfpg'kg]{ lx;fj, rfn' cf=j= leq
c;'n x'g] C0f Pj+ ls:tf ;Fu s'n ;DklQsf] cg'kft $) k|ltzt eGbf al9 sfod ug]{ .
ldnfg .
ª= s'n ;DklQsf] &) k|ltzteGbf al9 cg'kft x'g] ul/ shf{ nufgL gug]{ .

(=@ cfs:dLs /0fgLlt

s= ! aif{eGbf dfyL -lgodfg';f/_ sf] cfjlws artdf hf]8 lbg] .
v= cGo ;+:yfdf /x]sf] z]o/ tyf nufgL lkmtf{ ug]{ .
u= lwtf] jf ljgf lwtf] cGo ;+:yfjf6 shf{ lng] .
3= t/ntfdf clt rfk k/]df cfs:dLs of]hgf agfO{ nfu' ug]{ .
!)= t/ntf dfkgsf k|sf/x?
!)=! t/ntf ;'rssf] cfwf/df .
o; cGtu{t t/ntf u0fgf ubf{ lgDgfg';f/sf] ljlwjf6 ug{ ;lsG5 .
!)=!=! sf]ifdf cfwf/Lt
o; cGtu{t t/ntf u0fgf ubf{ t/n df}Hbft hu]8f Go'gtd !) k|ltzt sfod ug{' kb{5 .
s= t/ntf cg'kft= pknJw t/n ;DklQ tyf bfloTj1 ÷cg'dflgt t/ntf cfjZostf
!)=!=@ kN;{df cfwf/Lt
s= t/ntf cg'kft= pknJw t/n ;DklQ tyf bfloTj ÷art bfloTj , of] cg'kft sDtLdf !%
k|ltzt .
v= t/ntf ;DklQ cg'kft= t/n ;DklQ2 ÷art bfloTj , of] cg'kft sDtLdf !) k|ltzt.
u= gsdfpg] t/n ;DklQ cg'kft = gsdfpg] ;DklQ ÷s'n ;DklQ , of] cg'kft sDtLdf <!
k|ltzt .
!)=!=# s]lGb|o a}ssf] lgb]{zgdf cfwf/Lt
s= clgjfo{ gub t/ntf cg'kft - Cash Reserve Ratio _
clgjfo{ gub cg'kft eg]sf] a}s tyf ljlQo ;+:yfn] cfˆgf] s'n lgIf]k bfloTjsf] s]xL k|ltzt
g]kfn /fi6« a}+sdf clgjfo{ gub jf lgIf]k /fVg'kg]{ /sd xf] . xfn a}s tyf ljlQo ;+:yfn] g]kfn /fi6«
a}+sdf cfˆgf] s'n lgIf]k bfloTjsf] $ jf===== k|ltzt /sd clgjfo{ gub cg'kft /fVg' kg]{ x'G5 .
v= a}wfgLs t/ntf cg'kft - Statutory Liquidity Reserve Ratio _
a}s tyf ljQLo ;+:yfn] s'n lgIf]ksf] s]xL k|ltzt gub / ;/sf/L C0fkq h:tf t/n ;DklQdf
/fVg' kg]{ u/L tf]lsPsf] bfloTj g} a}wfgLs t/ntf cg'kft xf] . xfn clgjfo{ gub df}Hbft, ;/sf/L
;'/If0fkq tyf a}ssf] 9's'6Ldf /x]sf] gub ;d]t u/L jfl0fHo a}sn] cfˆgf] s'n lgIf]k bfloTjsf] !@
jf====== k|ltzt, ljsf; a}s / ljQ sDkgLn] +=======k|ltzt j}wfgLs t/ntf cg'kft sfod ug{'kg]{
Joj:yf /x]sf] 5 .
u= t/n ;DklQ cg'kft - Liquid Assets to Total Deposit Ratio _
= t/n ;DklQ ÷art bfloTj , of] cg'kft sDtLdf @) k|ltzt .
3= shf{ k"FhL tyf lgIf]k cg'kft - Credit to Core capital and Domestic Deposit Ratio)
= shf{ ÷s'n ;DklQ , of] cg'kft sDtLdf *) jf ============== k|ltzt .
ª= t/ntf ;DaGwL hf]lvd Go"gLs/0f ug{ ;+:yfn] cfˆgf] ;DklQ tyf bfloTjnfO{ e'QmfgL cjlwsf
cfwf/df ljleGg cGt/fndf alu{s/0f ug{'kg]{ x'G5 . ;+/rgfut t/ntf ljj/0f tflnsf -Structural
Liqidity Schedule_ cg';r ' L # cg'?k q}dfl;s ?kdf tof/ kfg{' kfg]{5 .
r= t/ntf hf]lvd tgfj kl/If0f -Liqidity Risk Stress Testing _ cg';'rL $ adf]lhd tof/ kfg{'kg]{5.

kl/R5]b &
vf/]hL / arfp

!!= vf/]hL tyf arfp

1
pknJw t/n ;DklQ tyf bfloTj =5f]6f] ;dosf] nufgL ± t/n ;DklQ nufgL – 5f]6f] ;dodf lbg' kg]{ e'QmfgL
2
t/n ;DklQ = gub df}Hbft±g]=/f=a}s df}Gbft±a}s tyf ljlQo ;+:yfsf] df}Hbft±t/n nufgL
s_ ;+:yfaf6 o;k"j{ eP u/]sf ;a} k|sf/sf t/ntf Joj:yfkg o;} gLltcg';f/ eP u/]sf] dflgg] 5 .
v_ of] gLlt nfu' ePsf] ldltb]lv o;k"j{ sfof{Gjogdf /x]sf] t/ntf ;DaGwL gLlt tyf lgod :jtM
lgl:qmo x'g] 5.
u_ of] gLltdf n]lvPsf] s'/f lgodgsf/L lgsfosf] lgb]{zg ;u aflemPsf] xb;Dd lgis[o x'g]5 .
3_ of] gLltsf] JofVof, ;+zf]wg / vf/]hL ug]{ ;Dk"0f{ clwsf/ ;~rfns ;ldltdf lglxt x'g]5.
 cg';'rL !

art gLlt–@)&( sf] kl/R5]b @ sf] bkmf *-!_ -s_ ;Fu ;DalGwt
================= ;+:yf ln=
sfdgkf @^, sf7df8f}, g]kfn .
sf]ifsf] ;|f]t / pkof]u tl/sf cg';f/ t/ntfsf] k"jf{g'dfg
s= s'n ;|f]tdf kl/jt{g
dlxgf art z]o/ Pj+ rfn' s'n ;|f]t s= cg'dflgt s'n s}lkmot
bfloTj ;|f]tdf kl/jt{g
ut ========
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====

v= s'n pkof]udf kl/jt{g

dlxgf shf{ rfn' ;DklQ s'n pkof]u v= cg'dflgt s'n s}lkmot
pkof]udf kl/jt{g
ut ========
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
u= t/ntf k'jf{g'dfg
dlxgf s= cg'dflgt s'n v= cg'dflgt s'n u= cg'dflgt t/ntf s}lkmot
;|f]tdf kl/jt{g pkof]udf kl/jt{g ;+lrlt Pj+ sdL
-s– v_
ut ========
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
 cg';'rL @

art gLlt–@)&( sf] kl/R5]b @ sf] bkmf *-!_ -s_ ;Fu ;DalGwt
================= ;+:yf ln=
sfdgkf @^, sf7df8f}, g]kfn .
artsf] ;+/rgf cg';f/ t/ntfsf] k"jf{g'dfg
dlxgf tTsfn e'Qmfg e'Qmfg ug{'kg]{ e'Qmfg ug{'kg]{ s}lkmot
ug{'kg]{ olsg gePsf] ;Defjgf sd
ePsf
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
cfufdL=====
s= cf}ift hDdf
v= lkmtf{ x'g] ;Defjgfsf] ef/ )=() )=#) )=)%
u= cfjZos t/ntf k'jf{g'dfg
-s X v _
 cg';'rL #

art gLlt–@)&( sf] kl/R5]b @ sf] bkmf *-!_ -s_ ;Fu ;DalGwt
================= ;+:yf ln=
sfdgkf @^, sf7df8f}, g]kfn .
;+/rgfut t/ntf ljj/0f tflnsf
qm= ;+= ljj/0f () lbg ;Dd (! b]lv !*) lbg ;Dd !*! b]lv @&) lbg ;Dd &! b]lv #^% lbg ;Dd ! jif{ eGbf dfly s'n /sd
;DklQ
1 gub df}Hbft
2 a}s tyf ljlQo ;+:yfdf /x]sf] df}Hbft
3 cGo ;+:yfdf u/LPsf] nufgL
4 sn dlg
5 ;/sf/L ;'/If0f kq
6 g]=/f= a}s C0fkq
7 cGt/ a}s tyf ljlQo ;+:yf shf{
8 shf{ ;fk6
9 kfpg'kg]{ Aofh
10 l/e;{ l/kf]
11 k|ltj2tf cg'?k cGo ;+:yfjf6 k|fKtx'g]
12 ;'ljwfsf] e'QmfgL
13 cGo
hDdf ;DklQ -s_

14 lgodLt art
15 qmdLs Pj+ cGo art
16 cfjlws art
17 C0fkqx?
18 ;fk6LM
dfu tyf cNk ;'rgf
 cGt/a}s tyf ljlQo ;+:yf
k'g/shf{
19 cGo bfloTj tyf Aoj:yf
;08L qm]l86;{
e'QmfgL lbg'kg]{ ljn
e'QmfgL lbg'kg]{ Aofh
Aoj:yfx?
20 k|ltj2tf cg'?k cGo ;+:yfnfO{ lbg'kg]{
21 pkof]u eO{g;s]sf] cGo ;'ljwfx?
22 k|ltt kq jf hdfgt v'b
23 l/kf]
24 ;'ljwfsf] e'QmfgL
25 cGo
s'n bfloTj-v_
v'b ;DklQ-sv_
;+lrt v'b ;DklQ
 cg';'rL $

art gLlt–@)&( sf] kl/R5]b @ sf] bkmf *-!_ -s_ ;Fu ;DalGwt
================= ;+:yf ln=
sfdgkf @^, sf7df8f}, g]kfn .
t/ntf hf]lvd tgfj kl/If0f
obL art stf{ lg/Gt/ kfFr lbg;Dd qmdzM @,%,!),!),!) k|ltzt art lkmtf{ lng cfPdf hf]lvdsf] c;/ s] x'G5 <

tTsfn tTsfn
t/n ljlqmx'g] tTsfn ljlqm ljlqm gx'g] s}lkmot#
;+rLtL art
lbg sf]if t/n gx'g] t/n t/n art /sd afls t/n ;DklQ
lkmtf{ b/
/sd ;DklQsf] ;DklQ ;DklQsf]
;+rLtL b/ ;+rLtL b/
s v u 3 ª r 5 h= vxu±3xª –rx5
klxnf] lbg 80.00% 1.00% 2.00%
bf];|f] lbg 96.00% 1.99% 7.00%
t];|f] lbg 99.20% 2.97% 17.00%
rf}yf] lbg 99.84% 3.94% 27.00%
kfrf}+ lbg 99.97% 4.90% 37.00%
#
t/ntf ;DklQ cg'kft= t/n ;DklQ÷art bfloTj u0fgf ubf{ of] cg'kftM
@% k|ltzt eGbf dfyL ePdf, kof{Kt t/n cj:yf
!% b]lv @% k|ltzt ;Dd ePdf, ;fdfGo t/n cj:yf
% b]lv !$ k|ltzt ;Dd ePdf, c;fdfGo cj:yf
% eGbf sd ePdf, ;+s6 cj:yf