n]vf kl/Ifsn] n]vfkl/If0f tof/ ubf{ tof/ kfg{'kg]{ nËkmd{ k|lta]bg
-bkmf $^-!_ ;+u ;DalGwt_
xfd|f] kx'Fr ax'p2]ZoLo ;xsf/L ;+:yf ln=
t'n;Lk'/ % bfª
cf=a )^*/)^( sf] n]vf kl/If0f k|ltj]bg
!=;:yfsf] gfd 7]ufgf M xfd|f] kx'Fr jx'p2]ZoLo ;xsf/L ;:yf ln t'nl;k'/ % bfË=
@=sfo{ Ifq M t'nl;k'/ g=kf, >LufpF, x]s'nL, 6/LufpF, dfgk'/ / gf/fo0fk'/ uf=lj=;
#=s'n ;b:o ;ªVof @$^
-#=!_ dlxnfsf] ;ªVofM !)(
-#=@_ k'?ifsf] ; ;ªVofM !#&
$=sd{rf/L ;ªVof M @&
%=s"n r'Qmf z]o/ k'FhL ?M^($#))).–
^=s'n art ;ªsng ?M@$%^()(^.&)
ut cf=j sf] jfFlsM ? %!*&!.!)
o; cf=j df ;ªsngM ? !@$#)&^$.
o; cf=j df lkmtf{M ?!)^^&*&$.%)
lkmtf{ ug{ jfFls ?M^(%)^^).^)
&=s"n C0f nuflg ?M (#)&%$^.–
ut cf a df nuflgdf /x]sf] /sdM #!#$#&^.–
rfn' cf=j sf] nuflgM ? $)&^)*.–
rfn' cf=j sf] cz'lnM ? #$^)@^).–
o; cf=j nuflgdf /x]sf] /sdM ? #&%!&@$.–
*=C0f nuflgsf k|d'v rf/ If]qx?M
Nfuflgsf] If]q /sd Aofh b/
=====s[lif======? @($!#%==.–======!$=%
=Aofkf/ Aoj;fo======?@(*(#(*=.–======!*=%==
===a}b]lzs /f]huf/== ?$#@!(!=.–======!*=%
==pkrf/== ?#^)))=.–======!$=%==
(=lng] lbg] Aofhb/ ljrsf] cf}ift km/s % M ^%
!)=jrt tyf C0f lgtL ePsf] gePsf]M ePsf]
!!=n]vf ;ldtL k|efjsf/L eP gePsf] M k|efjsf/L ePsf] ,
k|efjsf/L eP dfkb08 jdf]lhd sfd u/]sf] 5 jf 5}gM u/]sf] 5.
!@=;+rfns ,n]vf ;ldtL / k|d'v Aoj:yfksx?df gftf uf]tf leqsf JoflQmx? eP gePsf] M gePsf]
!#=C0f nuflgdf s'g} ;]jf z'Ns lng] u/sf]/gu/]sf] M gu/]sf]
!$= ;+rfns ,n]vf ;ldtL / k|d'v Aoj:yfksn] lnPsf] kfl/>lds,eQf / cGo ;'ljwfx? v'nfpg] M
oftfoft / vfhf vr{ jfkt k|lt AoflQm k|lt a}7s ? @)) sf b/n] lnPsf] .
!%Msfo{If]q jflx/sf JoflQm tyf lgsfox? ;+u art tyf C0fsf] sf/f]jf/ u/] gu/]sf] M gu/]sf]
u/]sf] eP sfo{ If]q jflx/sf JoflQmx?sf] ;ªVofM=====–======lgsfox?sf] ;ªVofM==–=====art /sd======–======
!^= lgodfg';f/ z]o/ k'lhsf] !%% eGbf jl9 x'g] ul/ cGo s'g} lzif{s af6 z]o/wlgx?nfO{ /sd afF8]sf] ,gaf8]sf], af8]sf] eP s'g lzif{sdf slt vr{ ul/of] ?
M – gjf8]sf
!&=k|fs[lts AoflQm jfx]s cGo lgsfox?df C0f jf z]o/ nuflg u/]sf] 5 jf 5}g.==5}g====
!*= C0f jf z]o/ nuflg u/]sf] lgsfodf ;+rfnsx?sf] ;+nUgtfsf] cjZyfM
C0f cz'lnsf nflu==lgoldt ?kdf cg'udg tyf t/tfs]tf x'g] u/]sf]
!(=cGo sf/]jf/x?M k]6«f]n kDk / /]l8of] ;~rfng / jrt
@)=;~rfnsx? cGo ljlQo jf Jofj;flos lgsfosf] ;+rfns kbdf /x]sf] eP pQm lgsfosf] gfd / kb M 5}g
@!=;+rfns ,n]vf ;ldtL ;b:o / pk;ldtL ;b:ox? cGo ;dfg k|s[lt ;/xsf] ;dfg sfo{ ug]{ ;:yfdf kbflwsf/L jf sd{rf/L /x] g/x]sf] M g/x]sf]
s
v
u
@@=;+rfnsx? ljlQo lgsfo jf ;xsf/L lgsfo jf cGo lgsfosf] sd{rf/L /x] g/x]sf] / ljefluo :jLs[lt lnP glnPsf] ======5}g
@#=9's'6Ldf /x]sf] dfl;s cf};t gub /sdM
;fpg / ebf} / c;f]h / sflt{s / D+fl;/ / Kf}if / Dff3 / kmfu'g / r}t / a}zfif / h]7 / c;f/$%*!@).#% / (%%%!&.#% / $@&)!@.#% / !@*$&#.#% / !#^**).#% / $!(#(^.#% / !$^^@!.)! / !%@&@!.)! / @@%$&*.)! / @))&%#.)! / %@(@%(.)! / !$@^@@.)!
@$= ljdfsf] /sd
! k]6«f]n kDksf] ljdf /sd@^))))).– cjlw ! jif{
@ /]l8of]sf] ljdf ? @&)))))– cjlw ! jif{
@%;du|df o; ;:yfn] ;xsf/L ljefun] hf/L u/]sf] dfkb08,@)^* adf]lhd q'l6x? u/]sf] gu/]sf]M
======gu/]sf
@^= n]vf Aofj;flo / To;sf ;fembf/x?n] cfkm' :jtGq /x]s] ;fy} n]vfkl/If0fsf] l;nl;nfdf ckgfpg] dfgx?, n]vf kl/If0f 6f]ln ,n]vfkl/If0f k|lqmof / tl/sfsf] jf/]df 5f]6s/Ldf pNn]v ug'{xf]; ,gd'gf 5gf}6 k|s[of tyf gd'gf cfsf/ cfbLsf] j/]df pNn]v ug'{xf]; M
;:yfn] ;xsf/L P]g @)$* tyf ;xsf/L lgodfjln @)$( adf]lhd vftf /fv]sf] / ;:yfn] k]z u/]sf ljlQo ljj/0f x? ;:yfn] /fv]sf vftf tyf clen]v cg';f/ b'?:t le8]sf 5g. n]vf kl/Ifsjf6 ;:yfsf] n]vf kl/If0f :jtGq ?kdf ;DkGg ul/Psf] 5 . n]vf kl/If0f g]kfn n]vf kl/If0f dfg adf]lhd ePsf] 5 .
@&= n]vf kl/Ifsn] C0fLsf] credit appraisal tyf C0f cg'udg tyf C0f c;'ln k|0ffln ;DaGlw cfˆgf] /fo–M C0f nuflgsf] nflu C0f pk;ldtL u7g ul/Psf] / ;f]lx pk;ldtLsf] l;kmfl/;df C0f nuflg tyf cz'ln ;DjlGw sfd sfo{jflx x'b} cfPsf] .
@*= n]vf kl/Ifsn] cfGtl/s lgoGq0f k|0flnsf] k|efjsf/Ltfsf ;DaGwdf C0f Aoj:yfkg, vr{ tyf l:y/ ;DklQ pk/ lgoGq0fsf] k|ofKttf cflb sf ;DaGwdf cfˆgf] /fo– M;:yfsf] sf/f]jf/ lbgk|ltlbg a9\b} uPsf] x'gfn] cfGtl/s lgoGq0f k|0fflnnfO{ ;f]lx jdf]lhd yk k|efjsf/L jgfpg'kg]{ ePsf]n] ;f] ;DalGw sfd ug]{ JoflQmnfO{ yk hfgsf/Lsf] nflu ;dofg's'n tflndsf] Joj:yf ug'{kg]{ b]lvG5 .