g]kfn ;/sf/

e"ld Joj:yf, ;xsf/L tyf ul/aL lgjf/0f dGqfno

;xsf/L ljefu
;+zf]wg :jLs[t ldlt
;DklQ z'4Ls/0f lgjf/0f ;DaGwL ;xsf/L ;ª\3;+:yfnfO{ hf/L ul/Psf] -klxnf] ;+zf]wg_ lgb]{zg, @)&^ @)&^.)&.!*

;DklQ z'4Ls/0f lgjf/0f;DaGwL ;xsf/L ;ª\3;+:yfnfO{ hf/L ul/Psf] lgb]{zg, @)&$

k|:tfjgf M ;DklQ z'4Ls/0f -dgL nfpG8l/ª_ lgjf/0f P]g, @)^$ / ;f]cGtu{t ag]sf lgodfjnLsf] k|efjsf/L sfof{Gjogåf/f ;xsf/L
;+:yfx¿df x'g] ljQLo sf/f]af/sf] :jR5tf Pj+ kf/blz{tf sfod ub}{ ;xsf/L ljQLo k|0ffnLnfO{ ;+/If0f ug{ ;DklQ z'4Ls/0f -dgL nfpG8l/ª_
lgjf/0f P]g, @)^$ sf] bkmf &k=sf] pkbkmf -@_ n] lbPsf] clwsf/ k|of]u u/L e"ld Joj:yf, ;xsf/L tyf ul/aL lgjf/0f dGqfnosf] :jLs[ltdf
;xsf/L ljefun] of] lgb]{zg hf/L u/]sf] 5 .
kl/R5]b—!
k|f/lDes
!= ;+lIfKt gfd / k|f/De M -!_ o; lgb]{zgsf] gfd æ;DklQ z'4Ls/0f lgjf/0f;DaGwL ;xsf/L ;ª\3;+:yfnfO{ hf/L ul/Psf] lgb]{zg, @)&$Æ
/x]sf] 5 .
-@_ of] lgb]{zg t'?Gt k|f/De x'g]5 .
@= kl/efiff M ljifo jf k|;Ën] csf]{ cy{ gnfu]df o; lgb]{zgdf,–
-s_ “P]g” eGgfn] ;DklQ z'4Ls/0f -dgL nfpG8l/ª_ lgjf/0f P]g, @)^$ ;Demg'k5{ .

-v_ “sfof{no” eGgfn] ljefu, k|b]z ;xsf/L lgofds lgsfo jf :yfgLo tx ;xsf/L lgofds lgsfo ;Demg' k5{ .


klxnf] ;+zf]wg4f/f ;+zf]lwt .

-1-
-u_ “hfoh]yf” eGgfn] ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0fadf]lhd sfod /x]sf] jf;nftsf] hDdf ;DklQ jf bfloTj
;Demg'k5{ .
-3_ “lgodfjnL” eGgfn] ;DklQ z'4Ls/0f -dgL nfpG8l/ª_ lgjf/0f lgodfjnL, @)&# ;Demg'k5{ .
-ª_ “k|d'v sfo{sf/L clws[t” eGgfn] ;+:yfsf] b}lgs sfo{;~rfng lgoGq0f ug]{ clGtd lhDd]jf/L ePsf] sfo{sf/L ;~rfns,
sfo{sf/L lgb]{zs, dxfk|aGws, Joj:yfks jf To:t} kbsf] sd{rf/L ;Demg'k5{ / ;f] zAbn] ;+:yfsf] sfo{sf/L k|d'vsf]
¿kdf sfd ug]{ cGo kbflwsf/L;d]tnfO{ hgfpF5 .

-r_ “dGqfno” eGgfn] e"ld Joj:yf, ;xsf/L tyf ul/jL lgjf/0f dGqfno ;Demg' k5{ .
-5_ “/lhi6«f/” eGgfn] ljefusf] /lhi6«f/ ;Demg'k5{ .
-h_ “ljQLo hfgsf/L OsfO{” eGgfn] P]gsf] bkmf ( adf]lhdsf] ljQLo hfgsf/L OsfO{ ;Demg'k5{ .
-em_ “ljlgod” eGgfn] ;+:yfsf] ljlgod ;Demg'k5{ .
-`_ “ljefu” eGgfn] ;xsf/L ljefu ;Demg'k5{ .
-6_ “;ª\3” eGgfn] ;xsf/L P]g, @)&$ cGtu{t btf{ ePsf] lhNnf ljifout ;xsf/L ;ª\3, lhNnf ;xsf/L ;ª\3, k|b]z
ljifout ;xsf/L ;ª\3, k|b]z ;xsf/L ;ª\3, s]Gb|Lo ljifout ;xsf/L ;ª\3 jf ljlzi6Ls[t ;xsf/L ;ª\3 ;Demg'k5{ /
;f] zAbn] /fli6«o ;xsf/L dxf;ª\3;d]tnfO{ hgfpF5 .
-7_ “;b:o” eGgfn] ;+:yfsf] ;b:o ;Demg'k5{ / ;f] zAbn] lgodfjnLsf] lgod @ sf] v08 -v_ adf]lhdsf] JolQm;d]tnfO{
hgfpF5 .
-8_ “;+:yf” eGgfn] ;xsf/L P]g, @)&$ cGtu{t btf{ ePsf] ;xsf/L ;+:yf ;Demg'k5{ / ;f] zAbn] ;ª\3 tyf ;xsf/L
a}ª\s;d]tnfO{ hgfpF5 .


klxnf] ;+zf]wg4f/f ;+zf]lwt .

-2-
kl/R5]b—@
;b:o klxrfg tyf ;Dk'li6 ;DaGwL Joj:yf
#= ;b:o klxrfg M -!_ ;+:yfn] ;b:o tyf ;b:o x'g OR5's JolQmsf] P]gsf] bkmf &s= / lgodfjnLsf] lgod $ tyf % adf]lhd klxrfg tyf
;f]sf] ;Dk'li6 ug'{'kg]{5 .
-@_ ;+:yfn] pkbkmf -!_ adf]lhd lng] sfuhft tyf ljj/0fsf] ;fdfGo ;"rL b]xfo adf]lhd x'g]5 M–
-s_ art tyf C0fsf] d'Vo sf/f]af/ gug]{ ;+:yf btf{sf] cfj]bg lbg] JolQm / ;b:osf] cg';"rL–! adf]lhd,
-v_ art tyf C0fsf] d'Vo sf/f]af/ ug]{ ;+:yf btf{sf] cfj]bg lbg] JolQm / ;b:osf] cg';"rL–@ adf]lhd,
-u_ ;xsf/L ;+:yf / ;xsf/L P]g, @)&$ sf] bkmf #) sf] pkbkmf -@_ adf]lhdsf] ;ª\3;+:yf jf lgsfo eP cg';"rL–#
adf]lhd .

-3_ lhNnfljifout ;xsf/L ;+3, lhNnf ;xsf/L ;+3, k|b]z ljifout ;xsf/L ;+3, k|b]z ;xsf/L ;+3, s]lGb|o ljifout
;xsf/L ;+3 / ljlzli6s[t ;xsf/L ;+3,/fli6«o ;xsf/L dxf;+3 jf ;xsf/L a}s
+ sf] ;b:otfsfnflu cg';"rL–* adf]lhdsf]
ljj/0f ;d]t k]z ug'{kg]{5 .
-#_ ;+:yfn] ;b:osf] klxrfg tyf ;Dk'li6 ubf{ jf:tljs wgL tyf lxtflwsf/L eP ;f]sf] ;d]t klxrfg ug'{kg]{5 .
-$_ ;+:yfn] ;b:osf] klxrfg ubf{ k|fs[lts JolQmsf] xsdf lghsf] NofKr] 5fk / ;xsf/L P]g, @)&$ sf] bkmf #) sf] pkbkmf
-@_ adf]lhdsf ;b:osf xsdf cflwsfl/s 5fk / vftf ;~rfnssf] NofKr] 5fk;d]t lng'kg]{5 .
-%_ cleefjs jf ;+/Ifssf] x}l;otn] s;}n] afn art vftfdf art hDdf u/]sf] /x]5 eg] To:tf] cleefjs jf ;+/Ifssf]
NofKr] 5fk lng''kg]{5 .


klxnf] ;+zf]wg4f/f yk .

-3-
$= cgf}krfl/s ¿kdf a'‰g ;Sg] M bkmf # adf]lhd ;b:osf] klxrfg tyf ;f]sf] ;Dk'li6 ubf{ ;+:yfn] cfjZostfg';f/ hflgkmsf/ ;b:o,
l5d]sL jf cGo e/kbf]{ ;|f]taf6 cgf}krfl/s ¿kdf ;d]t a'em\g ;Sg]5 .
%= ;"rLs[t JolQm;DaGwL Joj:yf M ;+:yfn] ;b:o klxrfgnufot cGo sfd-sf/f]af/ ubf{ P]gsf] kl/R5]b ^v= tyf ;DklQ z'4Ls/0f -dlg
nfpG8l/ª_ lgjf/0f -;"rLs[t JolQm, ;d"x jf ;Ë7gsf] ;DklQ jf sf]if /f]Ssf_ lgodfjnL, @)&) adf]lhdsf Joj:yfsf] k|efjsf/L kfngf
;'lglZrt ug'{kg]5
{ .
^= ;b:otf lbg gx'g] M ;+:yfn] P]gsf] bkmf &s= sf] pkbkmf -$_ df plNnlvt pkfo;d]taf6 gfd, 7]ufgf, k];f, kl/jf/ / /xg;xg nufotsf]
hfgsf/L geO{ s;}nfO{ klg ;b:otf lbg' x'Fb}g .
&= :jod\ pkl:yt x'g'kg]{ M bkmf # sf] pkbkmf -@_ adf]lhdsf] ljj/0f tyf sfuhft k]; ubf{ jf ;f]df ePsf] kl/jt{gsf] ;"rgf lbFbf ;DalGwt
JolQm :jod\ pkl:yt x'g'kg]{5 .
*= pRr kb:y JolQmsf] klxrfg;DaGwL ljz]if Joj:yf M -!_ ;+:yfn] P]gsf] bkmf &v= adf]lhd pRr kb:y JolQmsf] klxrfg tyf hf]lvd
Joj:yfkg ubf{ b]xfoadf]lhdsf pkfo;d]t cjnDag ug'k{ g]{5 M –
-s_ ;b:osf] ljj/0f lgoldt ¿kn] cBfjlws ug]{,
-v_ pRr kb:y JolQm yk36 ePsf] cj:yfdf tTsfn klxrfg ug]{,
-u_ pRr kb:y JolQmsf] kl/jf/ tyf ;Da4 JolQm klxrfg ug]{,
-3_ pRr kb:y JolQmsf] kbLo x}l;ot / ;+nUgtf adf]lhdsf] hf]lvd klxrfg ug]{ .
-@_ pRr kb:y JolQmsf] klxrfg ubf{ b]xfo adf]lhdsf k|ls|ofx¿ cjnDag ug{ ;lsg]5 M–
-s_ ;b:oaf6 ;"rgf lng],
-v_ ;fj{hlgs ¿kdf pknAw ;"rgf u|x0f ug]{,
-u_ ;fdflhs ;~hfndf pknAw ;"rgfsf] ljZn]if0f ug]]{,
-3_ Jofj;flos ¿kdf pknAw tYofª\s lng] .

-4-
-#_ pRr kb:y JolQmsf] clen]v lgh kbaf6 cjsfz jf d'Qm ePsf] ldltn] kfFr jif{;Dd sfod /fVg'kg]{5 .
t/ ;+:yfn] hf]lvdnfO{ cfwf/ dfgL ;f] cjlwnfO{ a9fpg ;Sg]5 .
(= ljBdfg ;b:osf] klxrfg tyf ;Dk'li6;DaGwL Joj:yf M -!_ ;+:yfn] P]g, lgodfjnL / of] lgb]z
{ g adf]lhd ljBdfg ;b:osf] klxrfg tyf
;Dk'li6 lj=;+= @)&% r}q d;fGtleq b]xfoadf]lhd ug'{kg]{5 M–
-s_ pRr hf]lvdsf] xsdf of] lgb]{zg hf/L ePsf] ldltn] ( dlxgfleq,
-v_ cGo hf]lvdsf] xsdf ;+:yfn] to u/]sf] k|fyldstfcg';f/ .
-@_ ;+:yfn] ;b:osf] klxrfg b]xfoadf]lhd lgoldt ¿kdf cBfjlws
ug{'kg]{5 M–
-s_ pRr hf]lvd ePsf ;b:osf] xsdf sDtLdf jif{df ! k6s,
-v_ dWod hf]lvd ePsf ;b:osf] xsdf sDtLdf @ jif{df ! k6s,
-u_ Go"g hf]lvd ePsf ;b:osf] xsdf sDtLdf # jif{df ! k6s,
-#_ ;+:yfnfO{ hf]lvddf tflTjs km/s k/]sf] nfu]df hf]lvd;fk]If x'g] u/L pkbkmf -@_ df plNnlvt cjlw cufj} klxrfg
cBfjlws ug{'kg]{5 .
!)= jf:tljs wgLsf] klxrfg M -!_ ;+:yfn] P]gsf] bkmf &u= / lgodfjnLsf] lgod ^ adf]lhd jf:tljs wgLsf] klxrfg ubf{ b]xfo adf]lhdsf
pkfo;d]t cjnDag ug'{k5{ M-
-s_ ;b:on] k]; u/]sf] ljj/0f, sf/f]af/ / lghsf] x}l;ot ldN5, ldNb}g <
-v_ ;b:osf] sfd sf/f]af/pk/ cGo s'g} JolStsf] s''g} lsl;dsf] k|efj jf :jfy{ x'g ;Sg] cj:yf 5, 5}g <
-u_ ;b:osf] k'Vof}{nL tyf jt{dfg cfly{s cj:yf :jfefljs b]lvG5, b]lvFb}g <
-3_ ;b:o / lgh;Fu ;Da4 JolQmsf] af/]df ;fj{hlgs ¿kdf pknAw ;"rgf;Fusf] tfbfTDo 5, 5}g <


klxnf] ;+zf]wg4f/f ;+zf]lwt .

-5-
-ª_ ;+:yfn] to u/]sf cGo pkfo .
-@_ ;+:yfn] jf:tljs wgL klxrfg ug]{, lghx¿sf] sf/f]af/ cg'udg ug]{ tyf To:tf] sfo{ ug]{ k|efjsf/L] Joj:yf ldnfpg'kg]{5 .
!!= ;b:osf] a[xt\ klxrfg;DaGwL Joj:yf M -!_ ;+:yfn] P]gsf] bkmf &ª= / lgodfjnLsf] lgod * adf]lhd b]xfosf ;b:osf] ;d]t a[xt\
k4ltaf6 klxrfg ug'{kg]{5 M–
-s_ ljB'tLo dfWodaf6 sf/f]af/ ug]{ ;b:o,
-v_ e|i6frf/, s/ 5nLnufot cGo cfk/flws sfo{sf b[li6n] pRr hf]lvddf /x]sf] ;b:o,
-u_ pRr cfly{s sf/f]af/ ug]{ ;b:o,
:ki6Ls/0f M o; v08sf] k|of]hgsf nflu pRr cfly{s sf/f]af/ ug]{ ;b:o eGgfn] ?= #) nfveGbf a9L art
u/]sf] jf ;]o/ vl/b u/]sf] jf C0f lnPsf];b:o ;Demg'k5{ .
-3_ ;+:yfn] a[xt\ klxrfg ug{ cfjZos b]v]sf] cGo ;b:o .
-@_ pkbkmf -!_ df plNnlvt ;b:o tyf lgh;Fu ;Da4 JolSt;Fu sf/f]af/ ubf{ lgodfjnLsf] lgod * df plNnlvt pkfox¿sf]
cltl/Qm b]xfosf pkfox¿ cjnDag ug'{kg]{5 M–
-s_ ;DklQsf] ;|f]t klxrfg ug{ cf}krfl/s jf cgf}krfl/s ¿kdf ;"rgf ;Íng ug]{,
-v_ v08 -s_ adf]lhd k|fKt ;"rgfsf] hfFra'em ug]{ / lgisif{cg'¿k cfjZos sfo{ ug]{,
-u_ sf/f]af/sf] cg'udgsf nflu ;Ldf lgwf{/0f ug{] .
!@= ;/nLs[t ;b:o klxrfg;DaGwL Joj:yf M ;+:yfn] P]gsf] bkmf &r= / lgodfjnLsf] lgod ( adf]lhd ;/nLs[t ¿kdf klxrfg ul/Psf
;b:ox¿sf] ljj/0f 5'§} ;d]t /fVg'kg]{5 .
!#= hf]lvd Joj:yfkg ug'{kg]{ M -!_ ;+:yfn] P]gsf] bkmf &3= adf]lhd hf]lvd klxrfg, d"Nofª\sg tyf Joj:yfkg ubf{ pQm bkmfdf plNnlvt
cfwf/sf cltl/Qm b]xfosf cfwf/;d]t lng'kg]{5 M–
-s_ /fli6«o tyf If]qut hf]lvd d"Nofª\sg,
-v_ P]gdf plNnlvt ljifodf cGt/f{li6«o ¿kdf ePsf] cWoog tyf cg';Gwfg k|ltj]bg,

-6-
-u_ ;b:o tyf ;Da4 JolQmsf] cfly{s cj:yf tyf k[i7e"ld,
-3_ kbLo jf cGo k|efjfjl:ylt jf cgu| :jfldTjsf] cj:yf,
-ª_ k]; ePsf ljj/0f, k|of]u ug{ rfx]sf] jf u/]sf] pTkfbg jf ;]jf, ljt/0f dfWod tyf sf/f] af/x¿sf] :jfefljstf,
ljZj;gLotf / tfbfTDo,
-r_ ;b:osf] cfly{s jf cGo cj:yfdf cfPsf] kl/jt{g,
-5_ ;b:o /x]sf] jf ;b:osf] sfd sf/f]af/ ePsf] :yfgsf] ljz]iftf,
-h_ ;+:yfn] pko'Qm b]v]sf cGo cfwf/ .
-@_ ;+:yfn] hf]lvdsf] juL{s/0f ubf{ pRr, dWod / Go"g hf]lvd :t/df ug'{kg]{5 .
-#_ ;+:yfn] hf]lvd d"Nofª\sg b]xfoadf]lhd cBfjlws ug{'kg]{5 M–
-s_ pRr hf]lvd ePsf ;b:osf] xsdf sDtLdf jif{sf] ! k6s,
-v_ dWod hf]lvd ePsf ;b:osf] xsdf sDtLdf @ jif{sf] ! k6s,
-u_ Go"g hf]lvd ePsf ;b:osf] xsdf sDtLdf # jif{sf] ! k6s .
-$_ ;+:yfn] hf]lvd Joj:yfkgsf nflu cfjZos, gLltut, sfo{ljlwut tyf lgoGq0ffTds Joj:yf ldnfpg'kg]{5 .
!$= c;fdfGo sf/f]af/ dfGg'kg]{ M ;+:yfn] b]xfosf] sf/f]af/nfO{ c;fdfGo sf/f]af/ dfGg'kg]{5 M–
-s_ lrQa'‰bf] cfwf/ ePsf] afx]s Ps}kN6 jf k6s–k6s u/L jflif{s ?= #) nfveGbf a9Lsf] art hDdf jf shf{ e'QmfgL,
-v_ Ps}kN6 jf k6s–k6s u/L jflif{s ?= #) nfveGbf a9Lsf] ljk|]if0f -/]ld6\ofG;_ jf /sd :yfgfGt/0f -dgL 6«fG;km/_,
-u_ Ps}kN6 jf k6s–k6s u/L jflif{s ?= #) nfveGbf a9Lsf] ;]o/ vl/b,
-3_ ;Ldf sf/f]af/ k|ltj]bg 5Ng] dg;fon] x'g] sf/f]af/ ।
!%= ;Ldf sf/f]af/sf] ;|f]t v'nf;f lng'kg]{ M ;+:yfn]] ?= !) nfv jf ;f]eGbf a9Lsf] b]xfosf] sf/f]af/ ubf{ ;DalGwt ;b:o jf JolStaf6 ;|f]t
v'nf;f lng'kg]{5 M–
-s_ ;+:yfsf] ;]o/ vl/b ubf{,

-7-
-v_ ;+:yfdf art hDdf ubf{,
-u_ ;+:yfaf6 lnPsf] C0fsf] ;fFjf, Jofh e'StfgL ubf{,
-3_ ljk|]if0f -/]ld6\ofG;_ jf :yfgfGt/0f -6«fG:km/_ sf] /sd e'StfgL lnFbf, vftfdf hDdf jf vftf;f/ ubf{ .
!^= lg/Gt/ cg'udg ug{'kg]{ M ;+:yfn] P]gsf] bkmf &em= adf]lhd lg/Gt/ cg'udg ubf{ pRr hf]lvddf juL{s[t ePsf ;b:o tyf sf/f]af/nfO{
k|fyldstf lbg'kg]{5 .
!&= sf/f]af/ ug{ gx'g] M ;+:yfn] P]gsf] bkmf ^ / &0f= df plNnlvt JolStsf cltl/St ;b:otf klxrfgsf cfwf/ k"/f gePsf JolSt;Fu
sf/f]af/ ug'{ x'Fb}g .
!*= ;'/IffTds pkfo cjnDag ug{'kg]{ M ;+:yfn] P]gsf] bkmf &6= adf]lhd gofF k|ljlwaf6 jf JolQm pkl:yt geO{ sf/f]af/ ;~rfng ubf{ /
;f]sf nflu sfo{ljlw lgdf{0f ubf{ hf]lvdsf] ;d'lrt Joj:yfkg x'g] u/L cfjZos pkfox¿ cjnDag ug{'kg]{5 .
!(= ;Ldf sf/f]af/sf] k|ltj]bg M -!_ ;+:yfn] P]gsf] bkmf !)s= adf]lhdsf] ;Ldf sf/f]af/ -y|]:xf]N8 6«fGh]S;g_ ;DaGwL k|ltj]bg To:tf] sf/f]af/
;DkGg ePsf] ldltn] !% lbgleq ljQLo hfgsf/L OsfO{n] tf]s] adf]lhdsf] 9fFrf -xfn tf]lsPsf] 9fFrf cg';"rL-$ df lbOPsf]_ df ljQLo
hfgsf/L OsfO{df lbg'kg]{5 .
:ki6Ls/0f M– o; bkmfsf] k|of]hgsf nflu ;Ldf sf/f]af/ -y|]:xf]N8 6«fGh]S;g_ eGgfn] g]kfn /fi6« a}+ª\sn] tf]s]sf] b]xfosf] sf/f]af/nfO{
;Demg'k5{ M–
-s_ s'g} ;b:on] Ps} k6s jf k6s-k6s u/L Ps lbgdf u/]sf] ?= !) nfv jf ;f]eGbf a9L /sdsf] sf/f]af/ /
-v_ s'g} ;b:o jf JolQmnfO{ Ps} k6s jf k6s–k6s u/L Ps lbgdf u/]sf] ?= !) nfv jf ;f]eGbf a9L /sd a/fa/sf] ljB'tLo
jf cGo :yfgfGt/0f tyf e'QmfgL .
-@_ o; bkmfdf h'g;'s} s'/f n]lvPsf] eP tfklg ;+:yfn] ;xsf/L P]g, @)&$ adf]lhd ;+:yf;Fu sf/f]af/ ug{ kfpg] ;/sf/L
sfof{no, ljz]if P]gcGtu{t :yflkt lgsfo;Fusf] sf/f]af/ / ;+:yfn] cfˆgf] sd{rf/LnfO{ k|rlnt sfg"g adf]lhd shf{ ;fk6L jf ;'ljwf
k|bfg u/]sf] s/f]af/sf] ljj/0f ljQLo hfgsf/L OsfO{df k7fpg cfjZos x'g]5}g .

-8-
t/ 5"6 lbOPsf] pQm s/f]af/x¿sf] xsdf zª\sf:kb sf/f]af/sf] klxrfg ug{ / ;f] adf]lhdsf] ljj/0f tof/ u/L ljQLo hfgsf/L
OsfO{df k7fpg 5"'6 lbOPsf] dflgg]5}g .
@)= zª\sf:kb sf/f]af/ ;DaGwdf M -!_ ;+:yfn] P]gsf] bkmf &9= df plNnlvt vf; sf/f]af/sf ;DaGwdf ljz]if Wofg lbg] k|0ffnLsf] ljsf; u/L
nfu"" ug{k' g]{5 .
-@_ ;+:yfn] P]gsf] bkmf &w= adf]lhdsf cj:yfx¿ ljBdfg ePdf zª\sf:kb sf/f]af/ ;DaGwL k|ltj]bg ljQLo hfgsf/L OsfO{n]
tf]s]adf]lhdsf] 9fFrf -xfn tf]lsPsf] 9fFrf cg';"rL-% df lbOPsf]_ df tof/ u/L# lbgleq ljQLo hfgsf/L OsfO{;dIf k]; ug{'kg]{5 tyf
To:tf] k|ltj]bg tof/ ubf{ ljQLo hfgsf/L OsfO{n] hf/L u/]sf] dfgb08x¿nfO{ cfwf/ dfGg'kg]{5 .
-#_ cg';Gwfg ug]{ lgsfox¿af6 cg';Gwfgsf l;nl;nfdf s'g} JolQm jf ;+:yfsf] ljj/0f jf ;""rgf dfu u/]sf] cj:yfdf
zª\sf:kb b]lvg] gofF tYo jf ljifo hfgsf/Ldf cfPsf] cj:yfdf afx]s ljQLo hfgsf/L OsfO{nfO{ ;"lrt ug{ cfjZos x'g] 5}g .
t/ To:tf] JolQm jf ;+:yf tyf sf/f]af/;DaGwL ljj/0f dfu ul/Psf] cj:yfdf pknAw u/fpg ;Sg] u/L tof/ u/L /fVg'kg]{5 .
@!= ljQLo hfgsf/L OsfO{sf] lgb]{zg kfngf ug{'kg]{ M ;+:yfn] ljQLo hfgsf/L OsfO{n] hf/L u/]sf] ;Ldf sf/f]af/ tyf zª\sf:kb
sf/f]af/;DaGwL lgb]{zg tyf dfu{bz{gsf] kfngf ug{'kg]{5 .

-9-
kl/R5]b–#
lhDd]jf/L
@@= ;+:yfsf] lhDd]jf/L M P]g, lgodfjnL / of] lgb]{zgadf]lhd ;+:yfn] k"/f ug'{kg]{ bfloTj k|efjsf/L ¿kdf k"/f ug{, u/fpg cfjZos gLlt,
sfo{ljlw, lgoGq0f k|0ffnL, hgzlQm, ;fwg, ;|f]t ;d]tsf] ;d'lrt Joj:yf ldnfpg] lhDd]jf/L ;~rfns ;ldltsf] x'g]5 .
@#= k|d'v sfo{sf/L clws[tsf] lhDd]jf/L x'g] M P]g, lgodfjnL / of] lgb]{zgadf]lhd ;+:yfn] k"/f ug'{kg]{ bfloTj k"/f ug{ cfjZos Joj:yfksLo
lhDd]jf/L k|d'v sfo{sf/L clws[tsf] x'g]5 .
@$= sfof{Gjog clwsf/L M -!_ ;+:yfsf] ;~rfns ;ldltn] P]gsf] bkmf &t= sf] pkbkmf -#_ adf]lhd P]g, lgodfjnL / ;f]cGtu{t hf/L
lgb]{lzsfadf]lhdsf] bfloTj k"/f ug{ Joj:yfkg:t/sf] sfof{Gjog clwsf/L -sDKnfoG; clkm;/_ lgo'Qm ug'{kg]{5 .
-@_ pkbkmf -!_ adf]lhd sfof{Gjog clwsf/Lsf] lgo'lQm geP;Ddsf nflu k|d'v sfo{sf/L clws[tn] g} sfof{Gjog clwsf/Lsf]
;d]t lhDd]jf/L axg ug'{kg]{5 .
-#_ ;+:yfn] sfof{Gjog clwsf/Lsf] gfd, 7]ufgf, of]Uotf, ;Dks{ gDa/, 'Od]n' nufotsf ljj/0f ljQLo hfgsf/L OsfO{ /
ljefu;dIf k]; ug'{sf ;fy} sfof{Gjog clwsf/L kl/jt{g ePdf jf lghsf] ljj/0fdf kl/jt{g ePdf ;f]sf] ;d]t hfgsf/L k7fpg'kg]{5 .
-$_ ;+:yfn] sfof{Gjog clwsf/Ln] P]gsf] bkmf &t= sf] pkbkmf -$_ df plNnlvt sfd, st{Jo / clwsf/sf cltl/Qm b]xfosf
sfo{x¿ ;d]t ;Dkfbg ug]{] u/L tf]Sg'kg]{5 M–
-s_ P]g, lgodfjnL / o; lgb]{zgadf]lhdsf] sfo{ k|efjsf/L agfpg ;Dks{ laGb' -kmf]sn KjfOG6_ sf] ¿kdf sfd ug]{,
-v_ P]g, lgodfjnL / o; lgb]{zgadf]lhdsf] sfo{ k|efjsf/L ¿kdf ug{ gLlt, sfo{ljlw / k|0ffnLsf] d:of}bf th'{df u/L
k]; ug]{,
-u_ sd{rf/L jf cGo ;|f]tjf6 P]g, lgodfjnL / o; lgb]{zg\adf]lhd k|fKt c:jfefljs jf zª\sf:kb sf/f]af/;DjGwL
;"rgf ljZn]if0f tyf hfFra'em ug]{,
-3_ cfkm\gf] sfo{ ;Dkfbg ug{ ;+:yfsf cGo ljefu jf kbflwsf/L;Fu ljz]if1 ;]jf lng jf cfjZos h'g;'s} sfuhft,
ljj/0f jf ;"rgf lgaf{w ¿kdf h'g;'s} avt k|fKt ug{ ;Sg],

-10-
-ª_ P]g, lgodfjnL tyf o; lgb]{zgadf]lhdsf] ljifo sfof{Gjog eP, gePsf] cg'udg u/L k|ltj]bg k]; ug]{ .
-$_ sfof{Gjog clwsf/LnfO{ ;xof]u ug{ ;+:yfn] cfjZos sd{rf/Lx¿sf] Joj:yf;d]t ug'{kg]{5 .
-%_ sfof{Gjog clwsf/Ln] P]g, lgodfjnL tyf o; lgb]{zgadf]lhdsf] ljifo sfof{Gjog ug]{ l;nl;nfdf dfu u/]sf] cfjZos
;"rgf, hfgsf/L, sfuhft, clen]v jf ljj/0f pknAw gu/fpg] ;DalGwt ;+:yfsf kbflwsf/L jf sd{rf/LnfO{ sf/afO{sf]
l;kmfl/; ug'{kg]{5 / ;f] l;kmfl/;adf]lhd ;DalGwt ;+:yfn] sf/afO{ u/L ;f]sf] hfgsf/L ljQLo hfgsf/L OsfO{ tyf
ljefunfO{ u/fpg'kg]{5 .
-^_ ;+:yfsf] ;~rfns ;ldltn] sDtLdf 5 dlxgfdf Ps k6s P]g, lgodfjnL / o; lgb]{zgadf]lhd eP, u/]sf sfd–sf/afO{sf]
;dLIff ug'{kg]{5 .
-&_ P]g, lgodfjnL / o; lgb]{zgsf] kfngf k|efjsf/L Pj+ kl/0ffdd'vL agfpgsf nflu ;+:yfn] cfkm\gf ;b:o, ;~rfns
;ldltsf ;b:ox¿ tyf pRr Joj:yfkg / sd{rf/Lx¿sf] Ifdtf ljsf;sf nflu cfjZos Joj:yf ldnfpg'kg]{5 .
@%= sfo{ljefhg u/L lhDd]jf/L tf]Sg ;Sg] M -!_ k|d'v sfo{sf/L clws[tn] P]g, lgodfjnL / of] lgb]{zgadf]lhd ;+:yfn] ;Dkfbg ug'{kg]{
sfo{x¿ dftxtsf sd{rf/Lx¿df ljefhg u/L ;Dkfbgsf] lhDd]jf/L;d]t tf]Sg ;Sg]5 .
-@_ pkbkmf -!_ df hg';'s} s'/f n]lvPsf] eP tfklg P]gsf] bkmf &t= sf] pkbkmf -$_, lgodfjnL tyf o; lgb]{zgadf]lhd
sfof{Gjog clwsf/Lsf] e"ldsfdf k|lts"n c;/ kg]{ u/L sfo{ljefhg jf lhDd]jf/L lgwf{/0f ug'{ x'Fb}g .
@^= uf]kgLotf sfod ug'{kg]{ M -!_ sfof{Gjog clwsf/Ln] P]g, lgodfjnL tyf o; lgb]{zgadf]lhd tof/ jf k]; u/]sf] ;Ldf jf zª\sf:kb
sf/f]af/sf] k|ltj]bgsf] ;"rgf jf hfgsf/L ljQLo hfgsf/L OsfO{afx]s cGo s;}nfO{ lbg' x'Fb}g .
t/ k|ltj]bg / k|ltj]bgdf plNnlvt gfd, gfd];Lafx]s cGo ljj/0f ljefu, sfof{no jf k|rlnt sfg''gadf]lhd clwsf/k|fKt
clwsf/Ln] dfu u/]sf avt pknAw u/fpg o; bkmfdf n]lvPsf] s'g} s'/fn] afwf k'¥ofPsf] dflgg]5}g .
-@_ ;+:yfsf] kbflwsf/L, sd{rf/L, ;Nnfxsf/ jf n]vfk/LIfsn] cfˆgf] sfo{;Dkfbgsf l;nl;nfdf k|fKt ;"rgf jf hfgsf/L
;DalGwt jf cGo s'g} JolStnfO{ s'g} ta/n] k|s6 gu/L uf]Kotf sfod /fVg'kg]{5 .

-11-
-#_ P]g, lgodfjnL tyf o; lgb]{zgadf]lhd uf]kgLotf sfod ug{'kg]{ ljifosf ;Gbe{df P]gsf] bkmf #& adf]lhd arfp x'g]
cj:yf afx]s sf]xL s;}n] uf]kgLotf ;DaGwL Joj:yf kfngf gu/]df P]gsf] bkmf $$s= tyf k|rlnt sfg"g adf]lhd ;hfo x'g]5 .
@&= cfGtl/s sfo{ljlwsf] :jLs[lt M -!_ P]g, lgodfjnL / of] lgb]{zgadf]lhd ;Dkfbg ug'{kg]{ sfo{x¿sf] k|efjsf/L ;Dkfbgsf nflu P]gsf]
bkmf &t= sf] pkbkmf -!_ nufot P]g, lgodfjnL / of] lgb]{zgdf /x]sf cGo Joj:yfx¿ k|efjsf/L ¿kdf sfof{Gjog ug{ ;+:yfn]
cfGtl/s gLlt tyf sfo{ljlw th'{df u/L ;fwf/0f ;efaf6 kfl/t u/fO{ nfu" ug{'kg{5
] .
-@_ pkbkmf -!_ adf]lhd ;+:yfn] gLlt th{'df ubf{ b]xfosf ljifo;d]t ;dfj]z ug{'kg]5
{ M-
-s_ ;xsf/L bz{g, l;4fGt, d"No, dfGotf / ljlwJojxf/sf] k|rng,
-v_ ;DklQ z'4Ls/0f, cftÍjfbL s[ofsnfkdf ljQLo nufgL tyf ;Da4 ck/fw lgjf/0f k|0ffnLsf] k|efjsf/L
sfof{Gjogsf nflu ;+:yfut ;+/rgf tyf k|efjsfl/tf;DaGwL Joj:yf / /0fgLlt,
-u_ ;b:o, k|ltlglw / sd{rf/Lx¿df pRrtd g}lts dof{bf:t/ -Olysn :6\ofG8;{_ sf] ck]Iff, e'm7\7f ljj/0fsf] 3f]if0ff
-kmN; 8]Sn]/];g_ / ljrngdf z"Go ;lxi0f'tf,
-3_ P]g, lgodfjnL tyf of] lgb]{zgsf Joj:yfsf] sfof{Gjogdf ;fwf/0f ;b:o, ljleGg kbdf lgjf{lrt kbflwsf/L Pj+
sd{rf/Lx¿nfO{ :jtGq, lgeL{s Pj+ cu|tfk"0f{ 9ª\un] ;"rgf lbg, k|ltj]bg ug{ / cGo ¿kdf st{Jo kfngf ug{
k|f]T;fxg Pj+ ;+/If0f,
-ª_ ;DklQ z'4Ls/0f tyf cftª\sjfbL lqmofsnfkdf ljQLo nufgL lgjf/0fdf ;+:yfsf] bfloTjsf ;DaGwdf ;b:o
;"rgf, lzIff, ;~rf/ ultljlwx¿sf ;fy} sd{rf/Lx¿sf] bIftf ljsf;df nufgL /
-r_ PsLs[t Joj:yfkg ;"rgf k|0ffnLdf cfa4tf, lgoldt k|ltj]bg Pj+ cu|tfk"0f{ kl/kfngf;d]taf6 ;+:yfsf] lg/Gt/
5lj k|If]k0f .
-#_ pkbkmf -!_ adf]lhd ;+:yfn] cfGtl/s sfo{ljlw th{'df ubf{ b]xfosf ljifo;d]t ;dfj]z ug'{kg]{5 M–
-s_ cfGtl/s lhDd]jf/L tyf sfo{ljefhg,
-v_ ;b:osf] klxrfg tyf cBfjwLs/0f,

-12-
-u_ hf]lvd d"Nofª\sg tyf Joj:yfkg,
-3_ cg'udg k4lt,
-ª_ c:jfefljs, c;fdfGo tyf zª\sf:kb sf/f]af/sf] klxrfg tyf k|ltj]bg k4lt,
-r_ ;+:yfsf] ;~rfns ;ldlt, n]vfk/LIfsnufot cGo kbflwsf/L tyf sd{rf/Ln] lgoldt ¿kdf ;Dkfbg ug{'kg]{ sfo{sf
nflu sfo{ljifo -kf]6{kmf]lnof]_ cg';f/sf] cfjZos hfFr;"rL -r]s lni6_,
-5_ sfutkqsf] lxkmfht, ;"rgf ;+/If0f, ;+/rgfdf kx'Fr lgoGq0f, k|rlnt sfg"gadf]lhd dfu ePsf ;"rgf lbg]
k|lqmofx¿sf] :yfkgf Pj+ clen]vsf nflu cfjZos ef}lts ;'ljwf tyf pks/0fsf] lgwf{/0f ug]{ Joj:yf,
-h_ st{Jo kfngfdf nfk/jfxL ug]{ sd{rf/Lpk/ cg'zf;gsf] sf/afO{,
-em_ cfGtl/s lgoGq0f, ;'kl/j]If0f, k|ltj]bg / ;dLIff,
-`_ clen]v;DaGwL Joj:yf /
-6_ cGo cfjZos ljifo .
@*= k|ltj]bg k7fpg'kg]{ M -!_ ;+:yfn] of] lgb]{zgadf]lhd ;Dkfbg u/]sf sfo{x¿sf] rf}dfl;s k|ltj]bg cg';"rL–^ sf] 9fFrfdf pQm cjlw
JotLt ePsf] & lbgleq sfof{nodf k7fpg'kg]{5 .
t/ art tyf C0fsf] d'Vo sf/f]af/ gug]{ ;+:yfsf ;fy} ?= kfFr s/f]8eGbf sd hfoh]yf ePsf ;+:yfn] jflif{s ¿kdf cg';"rL–^
adf]lhdsf] k|ltj]bg pQm cjlw JotLt ePsf] & lbgleq k7fpg'kg]{5 .
-@_ pkbkmf -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg /fli6«o ;xsf/L dxf;ª\3 jf s]Gb|Lo ;xsf/L ;ª\3 / ;xsf/L] a}ª\s lhNnf
laifout ;xsf/L ;+3, lhNnf ;xsf/L ;+3,k|b]z ljifout ;xsf/L ;+3, k|b]z ;xsf/L ;+3, s]Gb|Lo ljifout ;xsf/L ;+3, ljlzli6s[t
;xsf/L ;+3 jf /fli6«o ;xsf/L dxf;+3n] cg';"rL–& adf]lhdsf] 9fFrfdf ljefudf rf}dfl;s cjlw JotLt ePsf] & lbgleq rf}dfl;s
k|ltj]bg k7fpg'kg]{5 .


klxnf] ;+zf]wg4f/f ;+zf]lwt .

-13-
-#_ sfof{non] pkbkmf -!_ adf]lhd k|b]z, lhNnf jf :yfgLo tx cg';f/ PsLs[t ul/Psf] k|ltj]bg k|ltj]bg cjlw JotLt ePsf]
!% lbgleq ljefudf k7fpg'kb{5 .

-$_ dxf;+3 / ;xsf/L a}+sn] ;xsf/L ljefu tyf lhNnf, k|b]z / s]Gb|Lo :t/sf ;xsf/L ;+3 / ;+:yfn] ;DalGwt lgodgsf/L
lgsfo ;lxt ;xsf/L ljefudf ;d]t k|ltj]bg lbg' kg]{5 .
@(= PsLs[t Joj:yfkg ;"rgf k|0ffnLdf cfa4tf M -!_ ?= % s/f]8 jf ;f]eGbf a9L /sdsf] hfoh]yf ePsf] ;+:yfn] Ps jif{leq / cGo ;+:yfn]
tLg jif{leq dGqfnon] :jLs[t u/]sf] PsLs[t Joj:yfkg ;"rgf k|0ffnLdf cfa4 eO;Sg'kg]{5 .
-@_ pkbkmf -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg ljB't\, ;~rf/ jf cGt/;~hfn -OG6/g]6_ ;]jfdf kx'Fr gePsf] jf b'u{d e]udf
;~rflnt ;+:yfsf xsdf To:tf] cfjZosLo ;]jfdf kx'Fr ePsf] ldltb]lv dfq Ps jf tLg jif{sf] Dofb nfu" x'g]5 .
#)= clen]v Joj:yfkg M -!_ ;+:yfn] P]gsf] bkmf &b=, lgodfjnLsf] lgod !@ tyf o; lgb]{zgadf]lhd tof/ ePsf ljj/0f, ;"rL, hfgsf/L,
k|ltj]bg, clen]v, ;"rgf kfFr jif{;Dd ;'/lIft /fVg'sf ;fy} To;/L /flvPsf sfuhftx¿ cfjZos k/]sf avt tTsfn km]nf kfg{ ;lsg]
u/L eP;Dd ljB'tLo dfWoddf ;d]t ltgsf] ljj/0f /fVg'kg]{5 .
-@_ ;+:yfn] /fVg'kg]{ sfutkqsf] cGo s'/fsf cltl/Qm b]xfoadf]lhd lxkmfht ug'{kg]{5 M–
-s_ lhDd]jf/L tf]Sg],
-v_ cglws[t kx'Fr gx'g] Joj:yf ldnfpg],
-u_ ?= % s/f]8 jf ;f]eGbf a9Lsf] hfoh]yf x'g] ;+:yfn] clUg sjh -kmfo/ k|'km_ b/fh / cGo ;+:yfn] klg oyf;Dej ;'/lIft
b/fhdf /fVg] /
-3_ cfGtl/s sfo{ljlwdf plNnlvt pkfox¿ ckgfpg] .
#!= cfjZos pkfox¿ cjnDag ug'{kg]{ M ;+:yfn] P]g tyf lgodfjnLdf Joj:yf ePadf]lhdsf] bfloTj k"/f ug]{ l;nl;nfdf lgb]{zgdf ul/Psf
Joj:yfafx]ssf cfjZos pkfox¿ ;d]t cjnDag ug'{kg]{5 .


klxnf] ;+zf]wg4f/f yk .

-14-
#@= sf/afO{ tyf ;hfo M -!_ P]g, lgodfjnL tyf of] lgb]{zgsf] Joj:yfsf] k|efjsf/L sfof{Gjog gug]{ ;+:yf / To:tf] ;+:yfsf sd{rf/L
tyf kbflwsf/LnfO{ P]gadf]lhdsf] sf/afO{ x'g]5 .
-@_ pkbkmf -!_ adf]lhd sf/afO{ ubf{ ljefun] sDtLdf !% lbgsf] ;do lbO{ P]gsf] bkmf &km= sf] pkbkmf -%_ adf]lhd
:ki6Ls/0f ;f]Wg]5 .
-#_ pkbkmf -@_ adf]lhd ;f]lwPsf] :ki6Ls/0f lrQa'‰bf] gkfOPdf P]g, lgodfjnL tyf lgb]{zgsf] kfngf gePsf] cj:yf,
pNnª\3gsf] dfqf / ;f]af6 kg{ ;Sg] k|0ffnLut k|efjnufotsf ljifosf] ufDeLo{sf cfwf/df P]gsf] bkmf &km= adf]lhd ljefun] b]xfo
adf]lhdsf] s'g} jf ;a} sf/afO{ jf ;hfo ug{ ;Sg]5 .
qm=;+= kfngf gePsf] Joj:yf sf/afO{

! gLlt tyf sfo{ljlw gePdf  

lnlvt ¿kdf ;r]t u/fpg] .
 
art ;ª\sngdf ;Ldf tf]Sg] .
 
shf{ k|jfxdf ;Ldf tf]Sg] .
 
?= !) nfv jf ufDeLo{sf] cfwf/df ?= #)
nfv;Dd hl/afgf ug]{ .
 
;+:yfsf] btf{ vf/]h;Ddsf] sf/afO{ ug]{ .
@ klxrfg;DaGwL Joj:yf  
lnlvt ¿kdf ;r]t u/fpg] .
sfof{Gjog gePdf  
art ;ª\sngdf ;Ldf tf]Sg] .
 
shf{ k|jfxdf ;Ldf tf]Sg] .


klxnf] ;+zf]wg4f/f ;+zf]lwt .

klxnf] ;+zf]wg4f/f x6fOPsf] .


klxnf] ;+zf]wg4f/f x6fOPsf] .

-15-
qm=;+= kfngf gePsf] Joj:yf sf/afO{

 
?= !) nfv hl/afgf ug]{ .
 
?= !) nfveGbf a9L hl/afgf jf ufDeLo{sf]
cfwf/df ;+:yfsf] btf{ vf/]h;Ddsf] sf/afO{
ug]{ .
# a]gfdL jf sfNklgs gfddf  ?= #) nfvb]lv ufDeLo{sf cfwf/df ?= %
sf/f]af/ u/]sf] kfOPdf s/f]8;Dd hl/afgf jf yk ;hfo ug]{ .

$ P]gsf] kl/R5]b ^v= sf] Joj:yf  

?= @) nfv hl/afgf ug]{ .
kfngf ePsf] gkfOPdf  
?= %) nfv hl/afgf ug]{ .
 
?= @ s/f]8 jf ufDeLo{cg';f/ ?= % s/f]8;Dd
hl/afgf ug]{ .
 k6s–k6s k|0ffnLut ;d:of ePdf sf/f]af/ jf
Joj;fodf cf+lzs jf k"0f{ /f]s nufpg] jf
;+:yfsf] btf{ vf/]h ug]{;Ddsf] sf/afO{ ug]{ .
% pRr kb:y JolStsf] klxrfg  
lnlvt ¿kdf ;r]t u/fpg] .
x'g] k|0ffnLsf] Joj:yf gePdf  
art ;ª\sngdf ;Ldf tf]Sg] .
 
shf{ k|jfxdf ;Ldf tf]Sg] .
 
?= !) nfv jf ufDeLo{sf] cfwf/df ?= #)
nfv;Dd hl/afgf ug]{ .
 
;+:yfsf] btf{ vf/]h;Ddsf] sf/afO{ ug]{ .

-16-
qm=;+= kfngf gePsf] Joj:yf sf/afO{

^ jf:tljs wgLsf] klxrfg ug]{,  

lnlvt ¿kdf ;r]t u/fpg] .
a[xt\ klxrfg ug]{ tyf klxrfg  
art ;ª\sngdf ;Ldf tf]Sg] .
cBfjlws ug]{ Joj:yf gePdf  
shf{ k|jfxdf ;Ldf tf]Sg] .
 
?= !) nfv hl/afgf ug]{ .
 
?= !) nfveGbf a9L hl/afgf jf ufDeLo{sf]
cfwf/df ;+:yfsf] btf{ vf/]h;Ddsf] sf/afO{
ug]{ .
& hf]lvd Joj:yfkg ePsf]  
lnlvt ¿kdf ;r]t u/fpg] .
gkfOPdf  
art ;ª\sngdf ;Ldf tf]Sg] .
 
shf{ k|jfxdf ;Ldf tf]Sg] .
 
?= !) nfv jf ufDeLo{sf] cfwf/df ?= #)
nfv;Dd hl/afgf ug]{ .
 
;+:yfsf] btf{ vf/]h;Ddsf] sf/afO{ ug]{ .
* lg/Gt/ cg'udg;DaGwL  
lnlvt ¿kdf ;r]t u/fpg] .
Joj:yf gePdf  
?= !) nfv hl/afgf ug]{ .
 
?= !% nfv jf ufDeLo{cg';f/ yk hl/afgf
jf ;hfo ug]{ .


klxnf] ;+zf]wg4f/f x6fOPsf] .

-17-
qm=;+= kfngf gePsf] Joj:yf sf/afO{

( ;Ldf sf/f]af/sf] klxrfg ug]{  

lnlvt ¿kdf ;r]t u/fpg] .
k|0ffnL gePdf  
art ;ª\sngdf ;Ldf tf]Sg] .
 
shf{ k|jfxdf ;Ldf tf]Sg] .
 
?= !) nfv jf ufDeLo{sf] cfwf/df ?= #)
nfv;Dd hl/afgf ug]{ .
 
;+:yfsf] btf{ vf/]h;Ddsf] sf/afO{ ug]{ .
!) zª\sf:kb sf/f]af/sf] klxrfg  
lnlvt ¿kdf ;r]t u/fpg] .
ug]{ k|0ffnL gePdf  
art ;ª\sngdf ;Ldf tf]Sg] .
 
shf{ k|jfxdf ;Ldf tf]Sg] .
 
?= @) nfv hl/afgf ug]{ .
 
?= @) nfveGbf a9L hl/afgf jf ufDeLo{sf]
cfwf/df ;+:yfsf] btf{ vf/]h;Ddsf] sf/afO{
ug]{ .
!! sfof{Gjog clwsf/L jf bkmf  
lnlvt ¿kdf ;r]t u/fpg] .
@$ sf] pkbkmf -@_ adf]lhdsf]  
art ;ª\sngdf ;Ldf tf]Sg] .
Joj:yf ePsf] gkfOPdf  
shf{ k|jfxdf ;Ldf tf]Sg] .
 
?= !) nfv hl/afgf ug]{ .
 
;+:yfsf] btf{ vf/]h;Ddsf] sf/afO{ ug]{ .
!@ ;~rfns ;ldltn] ug'{kg]{  
lnlvt ¿kdf ;r]t u/fpg] .
 
art ;ª\sngdf ;Ldf tf]Sg] .

-18-
qm=;+= kfngf gePsf] Joj:yf sf/afO{

;dLIff gu/]df  
shf{ k|jfxdf ;Ldf tf]Sg] .

!# ;+:yfut tyf sd{rf/Lsf]  

lnlvt ¿kdf ;r]t u/fpg] .
Ifdtf ljsf;sf sfo{ gu/]df  
art ;ª\sngdf ;Ldf tf]Sg] .
 
shf{ k|jfxdf ;Ldf tf]Sg] .

!$ tf]lsPsf ljj/0fx¿sf] clen]v  

lnlvt ¿kdf ;r]t u/fpg] .
g/fv]df jf tf]lsPsf]  
art ;ª\sngdf ;Ldf tf]Sg] .
;do;Dd ;'/lIft g/fv]df  
shf{ k|jfxdf ;Ldf tf]Sg] .
 
?= !) nfv jf ufDeLo{sf] cfwf/df ?= #)
nfv;Dd hl/afgf ug]{ .
 
;+:yfsf] btf{ vf/]h;Ddsf] sf/afO{ ug]{ .

!$s= rf}dfl;s k|ltj]bg gk7fPdf  lnlvt ?kdf ;r]t u/fpg] .
 art ;+sngdf ;Ldftf]Sg] .
 shf{k|jfxdf ;Ldftf]Sg] .
 ?=!) nfv jf ufDeL{osf] cfwf/df yk
hl/jfgfug]{ .
 ;+:yfsf] btf{ vf/]hL;Ddsf] sf/afO{ ug]{ .


klxnf] ;+zf]wg4f/f x6fOPsf] .

klxnf] ;+zf]wg4f/f yk .

-19-
qm=;+= kfngf gePsf] Joj:yf sf/afO{

!% ;Ldf jf zª\sf:kb sf/f]af/  P]gsf] bkmf !) sf] pkbkmf -&_ adf]lhd ljQLo
k|ltj]bg ;dodf gk7fPdf hfgsf/L OsfO{n] ?= !) nfv;Dd hl/afgf ug{
;Sg] .

-#_ pkbkmf -@_ df h'g;'s} s'/f n]lvPsf] eP tfklg ljefun] sf/afO{ ubf{ ;+:yfsf] cfly{s tyf ;fª\u7lgs cj:yf, kfngfsf
nflu ePsf k|of; / pNnª\3gsf] ufDeLo{;d]tsf] ljrf/ u/L k|efjsf/L, cfg'kflts / lg/f]wfTds x'g] u/L ug]{5 .
t/ pNnª\3gsf] ufDeLo{sf] ljrf/ u/L P]gsf] bkmf &km= adf]lhdsf] s'g} jf ;a} sf/afO{ ug{ o; bkmfn] afwf k¥ofPsf]
dflgg]5}g .
-$_ ;+:yfnfO{ o; bkmfadf]lhd sf/afO{ jf ;hfo ePdf / To:tf] ;hfo pQm ;+:yfsf] s'g} kbflwsf/L jf sd{rf/Lsf] sfd–
sf/afO{sf] sf/0fn] ePsf] b]lvPdf To:tf] kbflwsf/L jf sd{rf/LnfO{ ;DjlGWft ;+:yfn] k|rlnt sfg"g jf ;+:yfsf]
ljlgodadf]lhd sf/afO{ ug'k{ g]{5 .
##= o;} lgb]{zgadf]lhd ug'{, u/fpg'kg]{ M -!_ g]kfn ;/sf/ -dlGqkl/ifb\_ af6 ldlt @)&#÷!)÷!* df :jLs[t g]kfnsf] ;+ljwfgsf] cg';"rL %,
^, &, * / ( df plNnlvt ;ª\3, k|b]z / :yfgLo txsf clwsf/sf] sfo{lj:t[tLs/0fdf Joj:yf ePadf]lhd k|b]z jf :yfgLo txsf]
lgodg clwsf/ If]qleq kg]{ ;+:yfsf] xsdf k|b]z ;xsf/L lgofds lgsfo jf :yfgLo txn] o;} lgb]{zgadf]lhd ug'{, u/fpg' kg]{5 .
-@_ k|b]z jf :yfgLo txaf6 pkbkmf -!_ adf]lhd ug]{, u/fpg] Joj:yf ldnfpFbf o; lgb]{zgdf sfof{no jf ljefun] ug]{ u/L
pNn]v ePsf ;Dk"0f{ sfo{x¿sf] ;Dkfbg, st{Josf] kfngf / clwsf/sf] k|of]u k|b]z ;xsf/L lgofds lgsfo jf :yfgLo txsf]
sfo{kflnsfn] tf]s]sf] clwsf/Ln] ug{'kg]{5 .
#$= JofVof ug]{ clwsf/ M of] lgb]{zgsf] JofVof ug]{ clwsf/ /lhi6«f/df /xg]5 .


-20-
-21-
cg';"rL–!
art tyf C0fsf] d'Vo sf/f]af/ gug]{ ;+:yf btf{sf] cfj]bg lbg] JolQm / ;b:osf] klxrfg;DaGwL sfuhft tyf ljj/0fsf] ;fdfGo 9fFrf
-bkmf # pkbkmf -@_ sf] v08 -s_ ;Fu ;DalGwt_

s= JolQmut ljj/0f
!= gfd, y/ M
@= hGd ldlt M
#= gful/stf k|df0f–kq g+= M
$= gful/stf k|df0f–kq hf/L ug]{ sfof{no M
%= lnË M dlxnf k'?if t];|f]
v= kfl/jfl/s ljj/0f
^= cfdfsf] gfd M
&= afa'sf] gfd M
*= afh]sf] gfd M
(= j}jflxs l:ylt M ljjflxt cljjflxt Psn
!)= klt jf kTgLsf] gfd, y/ M

-22-
u= k];fsf] ljj/0f
!!= cfˆgf] d'Vo k];f
v]tLkftL
Joj;fo -v'nfpg]=== === ===_
gf]s/L -v'nfpg] === === ===_
j}b]lzs /f]huf/L -v'nfpg] === === ===_
cGo -v'nfpg] === ===_
!@= :yfoL n]vf gDa/ eP M
!#= klt jf kTgLsf] d'Vo k];f
v]tLkftL
Joj;fo -v'nfpg] === === ===_
gf]s/L -v'nfpg] === === ===_
j}b]lzs /f]huf/L -v'nfpg] === === ===_
cGo -v'nfpg] === === ===_
!$= cfkm}F jf kl/jf/sf] s'g} ;b:o pRr kbLo /fhgLlts, k|zf;lgs jf ;fª\u7lgs e"ldsfdf /x], g/x]sf] /x]sf]
g/x]sf]

-23-
!%= cfkm}F jf kl/jf/sf] s'g} ;b:o pRr kbLo /fhgLlts, k|zf;lgs jf ;fª\u7lgs e"ldsfdf eP ljj/0f
-!_ gfd M
-@_ gftf M
-#_ kb jf ;fj{hlgs e"ldsf M
3= /xg;xgsf] ljj/0f
!^= :yfoL 7]ufgf
-!_ k|b]z M
-@_ dxf÷pkdxf÷gu/kflnsf÷ufpFkflnsf M
-#_ j8f M
-$_ ufpF÷6f]n M
-%_ 3/ g+= M
-^_ ;Dks{ g+=M
!&= c:yfoL 7]ufgf
-!_ k|b]z M
-@_ dxf÷pkdxf÷gu/kflnsf÷ufpFkflnsf M
-#_ j8f M

-24-
-$_ ufpF÷6f]n M
-%_ 3/ g+= M
!*= ;+:yfsf] sfo{If]qsf] a;f]af; M  :yfoL  c:yfoL
!(= dtbftf kl/ro–kq g+= M
@)= dtbfg:yn M === === ===
ª= ;xsf/L ;b:otf
@!= ;+:yfsf] ;b:o aGg'sf] p2]Zo M
@@= cfkm}F csf]{ ;xsf/L ;+:yfsf] klg ;b:o eP, gePsf]
 ePsf]  gePsf]
@#= cfkm}F csf]{ ;xsf/L ;+:yfsf] klg ;b:o ePsf] eP ljj/0f
l;= g+= ;+:yfsf] gfd, 7]ufgf ;b:otf g+=
-!_
-@_
-#_
-$_
-%_

-25-
r= cfo;|f]tsf] ljj/0f
@$= jflif{s kfl/jfl/s -cfˆgf], klt jf kTgLsf] / Pp6} eftefG5fsf ;b:ox¿sf]_ cfDbfgL -hUufsf] v'b cfo:tf, gf]s/Lsf] kfl/>lds,
Joj:ffosf] d'gfkmf, OToflb_
 ?= $ nfv;Dd
 ?= $ nfveGbf a9L ?= !) nfv;Dd
 ?= !) nfveGbf a9L ?= @% nfv;Dd
 ?= @% nfveGbf a9L ?= %) nfv;Dd
 ?= %) nfv a9L
@%=clen]vdf /fVgof]Uo yk ljj/0f jf b|i6Jo
=== === === === ===
=== === === === ===

5= :j–3f]if0ff
-!_ d}n] k]; u/]sf] of] ljj/0fdf eljiodf s'g} kl/jt{g cfPdf To:tf] kl/jt{g ePsf ldltn] #% lbgleq ;+:yfdf k]; ug]5
{ '.
-@_ d}n] dfly k]; u/]sf] d]/f] ;Dk"0f{ ljj/0f 7Ls, b'?:t 5 . em'7\7f 7x/] sfg"gadf]lhd ;x'Fnf, a'emfpFnf .
b:tvt M

-26-
gfd M
bfofF afofF
cf}F7f5fk
ldlt M
h= ;+nUg sfuhftx¿
g]kfnL gful/stfsf] k|df0f–kqsf] k|ltlnlk
em= l;kmfl/; -btf{ ePkZrft\ x'g] ;b:osf] xsdf_
o;df pNn]v ePsf >L === === === === nfO{ d /fd|/L lrGb5' . lghn] d]/f] /f]xa/df ;xL5fk u/]sf x'g\ . d}n] hfg]a'em];Dd lghn] k]; u/]sf]
ljj/0f 7Ls ePsfn] lghsf] lgj]bgcg';f/ ;xsf/L ;+:yfsf] ;b:otf k|bfg ug{ l;kmfl/; ub{5' .
l;kmfl/;stf{ ;b:osf] l;kmfl/;stf{ ;b:osf]
b:tvt M b:tvt M
gfd M gfd M
;b:otf g+= M ;b:otf g+= M

-27-
cg';"rL–@
art tyf C0fsf] d'Vo sf/f]af/ ug]{ ;+:yf btf{sf] cfj]bg lbg] JolQm / ;b:osf] klxrfg;DaGwL sfuhft tyf ljj/0fsf] ;fdfGo 9fFrf
-bkmf # pkbkmf -@_ sf] v08 -v_ ;Fu ;DalGwt_

s= JolQmut ljj/0f
!= gfd, y/ M
@= hGd ldlt M
#= gful/stf k|df0f–kq g+= M
$= gful/stf k|df0f–kq hf/L ug]{ sfof{no M
%= lnË M dlxnf k'?if t];|f]
v= kfl/jfl/s ljj/0f
^= cfdfsf] gfd M
&= afa'sf] gfd M
*= j}jflxs l:ylt M ljjflxt cljjflxt Psn
(= klt jf kTgLsf] gfd, y/ M
!)= kl/jf/sf] lsld;
;+o'St / Ps} eftefG5f

-28-
;+o'St t/ cnu eftefG5f
5'l§leGg jf Ps;?jf -Go'lSno/_
u= k];fsf] ljj/0f
!!= cfˆgf] d'Vo k];f
v]tLkftL
Joj;fo -v'nfpg]=== === ===_
gf]s/L -v'nfpg] === === ===_
j}b]lzs /f]huf/L -v'nfpg] === === ===_
cGo -v'nfpg] === ===_
!@= :yfoL n]vf gDa/ M
!#= klt jf kTgLsf] d'Vo k];f
v]tLkftL
Joj;fo -v'nfpg] === === ===_
gf]s/L -v'nfpg] === === ===_
j}b]lzs /f]huf/L -v'nfpg] == = === ===_

-29-
cGo -v'nfpg] === === ===_
!$= cfkm", klt jf kTgLafx]s kl/jf/df csf]{ d'Vo sdfpg] ;b:o
!$=! gftf M
!$=@ k];f M
v]tLkftL
Joj;fo -v'nfpg] === === ===_
gf]s/L -v'nfpg] === === ===_
j}b]lzs /f]huf/L -v'nfpg] === === ===_
cGo -v'nfpg] === === ===_
!%= cfkm}F jf kl/jf/sf] s'g} ;b:o pRr kbLo /fhgLlts, k|zf;lgs jf ;fª\u7lgs e"ldsfdf /x], g/x]sf] /x]sf]
g/x]sf]
!^= cfkm}F jf kl/jf/sf] s'g} ;b:o pRr kbLo /fhgLlts, k|zf;lgs jf ;fª\u7lgs e"ldsfdf eP ljj/0f
-!_ gfd M
-@_ gftf M
-#_ kb jf ;fj{hlgs e"ldsf M
3= /xg;xgsf] ljj/0f

-30-
!&= :yfoL 7]ufgf
-!_ k|b]z M
-@_ dxf÷pkdxf÷gu/kflnsf÷ufpFkflnsf M
-#_ j8f M
-$_ ufpF÷6f]n M
-%_ 3/ g+= M
-^_ ;Dks{ g+ M
-&_ Od]n cfO{=8L M
!*= c:yfoL 7]ufgf
-!_ k|b]z M
-@_ dxf÷pkdxf÷gu/kflnsf÷ufpFkflnsf M
-#_ j8f M
-$_ ufpF÷6f]n M
-%_ 3/ g+= M
!(= ;+:yfsf] sfo{If]qsf] a;f]af; M  :yfoL  c:yfoL
@)= dtbftf kl/ro–kq g+= M

-31-
@!= dtbfg:yn M ==== ==== ===
@@= ;+:yfsf] sfo{If]qdf jif{df latfpg] cjlw M
@#= /fxbfgL g+= ePdf M
ª= ;xsf/L ;b:otf
@$= ;+:yfsf] ;b:o aGg'sf] p2]Zo M
@%= cfkm}F csf]{ ;xsf/L ;+:yfsf] klg ;b:o eP, gePsf]
 ePsf]  gePsf]

@^= cfkm}F csf]{ ;xsf/L ;+:yfsf] klg ;b:o ePsf] eP ljj/0f

l;= g+= ;+:yfsf] gfd, 7]ufgf ;b:otf g+=
-!_
-@_
-#_
-$_
-%_

-32-
@&= cfkm"afx]s kl/jf/sf] ;b:o csf]{ ;xsf/L ;+:yfsf] ;b:o eP, gePsf]
ePsf] gePsf]
@*= cfkm"afx]s kl/jf/sf] ;b:o csf]{ ;xsf/L ;+:yfsf] ;b:o ePsf] eP ljj/0f
l;= g+= gfd, y/, gftf ;+:yfsf] gfd, 7]ufgf ;b:otf g+=
-!_
-@_
-#_
-$_
-%_
@(= cfkm}F cGo ;xsf/L ;+:yfsf] klg ;b:o ePsf] eP bf]xf]/f] jf ax';+:yfdf ;b:otfsf] k|of]hg
=== === === === === === ===
=== === === === === === ===
#)= cfkm"afx]s kl/jf/sf] ;b:o cGo ;xsf/L ;+:yfsf] ;b:o ePsf] eP bf]xf]/f] jf ax';+:yfdf ;b:otfsf] k|of]hg
=== === === === === === ===
=== === === === === === ===
#!= kl/jf/sf] csf]{ ;b:o klg o;} ;+:yfsf] ;b:o eP, gePsf] M

-33-
ePsf] gePsf]
#@= kl/jf/sf] csf]{ ;b:o klg o;} ;+:yfsf] ;b:o ePsf] eP ljj/0f
l;= g+= gfd, y/ ;b:otf g+=
-!_
-@_
-#_
r= cfo;|f]tsf] ljj/0f
##= jflif{s kfl/jfl/s -cfˆgf], klt jf kTgLsf] / Pp6} eftefG5fsf ;b:ox¿sf]_ cfDbfgL -hUufsf] v'b cfo:tf, gf]s/Lsf]
kfl/>lds, Joj:ffosf] d'gfkmf, OToflb_
 ?= $ nfv;Dd
 ?= $ nfveGbf a9L ?= !) nfv;Dd
 ?= !) nfveGbf a9L ?= @% nfv;Dd
 ?= @% nfveGbf a9L ?= %) nfv;Dd
 ?= %) nfv a9L
#$= ?= $ nfveGbf a9L jflif{s kfl/jfl/s cfDbfgL eP kl5Nnf] cfly{s jif{sf] cfo / ;|f]tsf] ljj/0f
l;= g+= ;|f]t /sd -?=_

-34-
-!_ v]tLkftL
-@_ Joj;fo
-#_ :jb]zL /f]huf/L
-$_ j}b]lzs /f]huf/L
-%_ cGo -v'nfpg]=== === ===_

5= ljQLo sf/f]af/sf] ljj/0f

#%= k|f/Dedf ;+:yfdf hDdf ug]{ jf xfn;Dd ;+:yfdf hDdf ul/;s]sf] /sdsf] ljj/0f
l;=g+= afkt /sd -?=_
-!_ ;]o/
-@_ Afrt
-#_ cGo -v'nfpg]=========_

#^= ;+:yfsf] vftfdf cg'dflgt /fvgw/gsf] /sdsnd

s= jif{df sf/f]af/ ug]{ k6s M ===
v= jlif{s ¿kdf hDdf ug]{ cg'dflgt /sd M ?=

-35-
#&= ;+:yf;Fu cg'dflgt C0fwgsf] /sdsnd M ?=

#*= clen]vdf /fVgof]Uo yk ljj/0f jf b|i6Jo

=== === === === ===
=== === === === ===

h= :j–3f]if0ff
-!_ d}n] k]; u/]sf] of] ljj/0fdf eljiodf s'g} kl/jt{g cfPdf To:tf] kl/jt{g ePsf] ldltn] #% lbgleq ;+:yfdf k]; ug]5
{ '.
-@_ d}n] dfly k]; u/]sf] d]/f] ;Dk"0f{ ljj/0f 7Ls, b'?:t 5 . em'7\7f 7x/] sfg"gadf]lhd ;x'Fnf, a'emfpFnf .
b:tvt M
gfd M
bfofF afofF
cf}F7f5fk
ldlt M

-36-
em=;+nUg sfuhftx¿
g]kfnL gful/stfsf] k|df0fsf] k|ltlnlk
dtbftf kl/ro kqsf] k|ltlnlk

`= l;kmfl/;-btf{ ePkZrft\ x'g] ;b:osf] xsdf_

o;df pNn]v ePsf >L === === === === nfO{ d /fd|/L lrGb5' . lghn] d]/f] /f]xa/df ;xL5fk u/]sf x'g\ . d}n] hfg]a'em];Dd lghn] k]; u/]sf]
ljj/0f 7Ls ePsfn] lghsf] lgj]bgcg';f/ ;xsf/L ;+:yfsf] ;b:otf k|bfg ug{ l;kmfl/; ub{5' .
l;kmfl/;stf{ ;b:osf] l;kmfl/;stf{ ;b:osf]
b:tvt M b:tvt M
gfd M gfd M
;b:otf g+= M ;b:otf g+= M

-37-
cg';"rL–#
;xsf/L ;+:yf / ;xsf/L P]g, @)&$ sf] bkmf #) sf] pkbkmf -@_ adf]lhdsf] ;ª\3;+:yf jf lgsfosf] klxrfg;DaGwL sfuhft tyf
ljj/0fsf] ;fdfGo 9fFrf
-bkmf # pkbkmf -@_ sf] v08 -u_ ;Fu ;DalGwt_

!= ;+:yfsf] ljj/0f M
@= gfd M
#= btf{ g+= M
$= btf{ ldlt M
%= btf{ ug]{ sfof{no M
^= gjLs/0fsf] ldlt M
&= d'Vo sfof{nosf] 7]ufgf M
*= ;+:yfsf] d'Vo p2]Zo M
(= Joj;fo jf sf/f]af/sf] lsl;d M
!)= sfo{If]q M
!!= zfvf ;ª\Vof / :yfg M

-38-
!@= ;+:yf jf lgsfo :yfkgf tyf ;~rfng ug{ k|rlnt sfg"gadf]lhd s'g} ljlgod, ljwfg cfjZos x'g]df :jLs[t ljlgod, ljwfg jf ;f]xL
k|s[ltsf] cGo sfuhftsf] k|ltlnlk / To:tf] ljlgod, ljwfg jf sfuhft gx'g]sf] xsdf cflwsfl/s kq M
!#= jflif{s cg'dflgt sf/f]af/ M
!$= kl5Nnf] cfly{s sf/f]af/sf] ljQLo ljj/0f M
!%= kl5Nnf] cfly{s jif{sf] s/ r'Qmfsf] k|df0f–kq jf s/ bflvnf ljj/0f M
!^= ;~rfns ;ldltsf ;b:o, sfo{sf/L k|d'v / vftf ;~rfnssf] ;+:yfsf] ;b:o x'gsf] nflu k]; u/]sf] cg';"rL–! / cg';"rL–# adf]lhd
klxrfg ljj/0f M
!&= ;+:yfn] cfjZos 7fg]sf cGo ljj/0fx¿ M

cg';"rL–$
Threshold Transaction Report (TTR)

Name and address of

Account
S. the person holding Date of Nature of Amount Source
Branch Type and Remarks
N. account (including Transaction Transaction Involved of Fund
No.
legal)

-39-
Name:

Signature :
(Compliance
Officer or
Authorized Officer)
Name :
Designation :
Phone :
Email :
Fax :
Date :

-40-
cg';"rL–%
Suspicious Transaction Report (STR)

A. Reporting Institution:

1. Name of the Institution/Branch:

B. Details of Customer :

1. a. Name of the Main account holder/s/customer: a.

b. Related Party/ies:

b.

2 a. Permanent Address: a.

b. Present Address: b.

3. Profession (As per KYC):

4. Nationality:

-41-
5. Other account(s) number (if any):

6. Other business (if nay):

7. a. Citizen No./PP No./ other ID a.

No./Regd.No.
b. Issue Date and Place
c. Issuing Agency/Authority
b.

c.

8. a. Father' Name a.
b. Mother’s Name
c. Spouse Name b.
d. Grand Father
e. Chairman/MD/Proprietor c.

d.

9. Date of birth (Natural Person)/

Date of establishment(Legal Person):

-42-
C. Details of Customer :

1. Account Number

2 Nature of the account

(Current/savings/loan/other, pls. specify)

3. Nature of Ownership: (Individual/proprietorship

/Partnership/company/other, pls. specify)

4. Names of Prop./Directors/ Partners, etc.

5. Date of A/C opening

6 Other account(s) number (Related Parties): 1.

-43-
2.

3.

D. Transaction

a. Transaction Details (Accountwise)

Account No. Year Total Total Dr. Total Trans. Total Cr. Closing Balance
Trans. No. Amount No. Amount

Total upto now

Please fill the transaction from opening to present date, Total of Dr. & Cr. (No. & Amount) exclude returned cheques/reverse
entries/any other correcting items.

b. Details of Top 10 deposits (Last One Year)

S.No. Date Cheque/Voucher No. Depositor Amount Remarks

c. Details of Top 10 withdrawals (Last One Year)

-44-
S.No. Date Cheque/Voucher No. Payee Amount Remarks

d. Details of Loan and any other business and tranasactions with BFI

e. Person and Transaction Tree or Map

D. Reasons for considering the transaction(s) as unusual/suspicious?

 Summary of suspicious activities

 Analysis or Examination

 Possible Linkage

E. Suspicious Activity Information/Typology:

Summarize characterization of suspicious activity/please specify the typologies (As per Act and
FATF Guideline):

-45-
a. Corruption/Gratuity e. False statement i. Structuring

b. Cheque fraud f. debit/credit or other j. Mysterious

card fraud Disappearance/behavior

c. Tax evasion g. Identity Theft k. Counterfeit instrument

d. Loan fraud h. Terrorist Financing L Misuse of Position or Self

Others (Please Specify): ……………………………………………………..

F. Has the Bank/FI taken any action in this context? Give details.

Signature (Compliance Officer or Authorized Officer) :

Name :
Designation: Date:

Phone : Email: Fax:

-46-
cg';"rL–^
lgofds lgsfodf k7fpg] k|ltj]bgsf] 9fFrf

-bkmf @* sf] pkbkmf -!_ ;Fu ;DalGwt_
s= ;fdfGo ljj/0f
!= ;+:yfsf] gfd, 7]ufgf M === === ===,
=== === ===
@= k|ltj]bg dlxgf M === === ;fn ===
#= btf{ ldlt M
$= btf{ g+= M
%= ;+:yfsf] ljifo k|s[lt M
 art tyf C0f
 ax'p2]ZoLo
 cGo -v'nfpg] === === ===_
^= ;+:yfsf] sfo{If]q M
&= kl5Nnf] cfjsf] n]vfk/LlIft jf;nftsf] hDdf ;DklQ jf bfloTj -?=_ M


klxnf] ;+zf]wg4f/f ;+zf]lwt .

-47-
*= gLlt tyf sfo{ljlw hf/L u/]sf] ldlt M
(= gLlt tyf sfo{ljlw cBfjlws u/]sf] ldlt M
!)= hf]lvd d"NofÍg ;DkGg u/]sf] ldlt M
!!= hf]lvd d"NofÍg cBfjlws u/]sf] ldlt M

!@= lhNnf jf s]Gb|Lo jf cGo ;+3 jf dxf;+3df ;b:otf /x]sf] eP ;f]sf] ljj/0f M

!#= sfof{Gjog clwsf/Lsf] gfd M–
kb M–
7]ufgf M–
lgo"lQm ldltM–
of]Uotf M–
;Dks{ g+= M–
O{d]n M–

!$= ;~rfns ;ldltdf of] k|ltj]bgpk/ ePsf] 5nkmn ldltM–


klxnf] ;+zf]wg4f/f yk .


klxnf] ;+zf]wg4f/f yk .

-48-
v= ljj/0f
l;=g+= ljj/0f ut rfn' cf=j= rfn' cf=j= sf] s}lkmot
cf=j= ;f= e= c= sf= d+= k'= Dff= kmf= r}= j}= h]= c= hDdf
;Ddsf]

-!_ hDdf ;b:o

;ª\Vof

s_ ;b:o
-?=!) nfv;Dd
;]o/ lnPsf_
v_ ;b:o
-?=!)
nfveGbf dfly
;]o/ lnPsf_
u_ artstf{
;b:o
-?= !)
nfv;Dd_
3_ jrtstf{
;b:o -?= !)
nfveGbf dfly_
-@_ ª_ C0fL ;b:o
-?= !)
nfv;Dd_
-#_ r_ C0fL ;b:o
-?= !)
nfveGbf dfly_
-$_ klxrfg
cBfjlws
ePsf ;b:o
;ª\Vof
-%_ klxrfg

-49-
cBfjlws
gePsf ;b:o
;ª\Vof
-^_ klxrfg k"/f
gePsf sf/0f
;b:otf
c:jLsf/ jf
;DaGw cGTo
ul/Psf
JolStsf]
;ª\Vof
-&_ pRr hf]lvddf
k/]sf ;b:osf]
;ª\Vof
-*_ dWod
hf]lvddf k/]sf
;b:osf]
;ª\Vof
-(_ Go"g hf]lvddf
k/]sf ;b:osf]
;ª\Vof
-!)_ hf]lvd :t/
kl/jt{g ePsf
;b:osf]
;ª\Vof
-!!_ a[xt\ klxrfg
ul/Psf ;b:o
;ª\Vof
-!@_ pRr kb:y
kbflwsf/L
;b:o ;ª\Vof
-!#_ jf:tljs wgL
klxrfgsf]
;ª\Vof
-!$_ ;Ldf sf/f]af/
k|ltj]bgsf]

-50-
;ª\Vof
-!%_ cg'udg
ul/Psf]
;b:osf]
;ª\Vof
-!^_ c;fdfGo
sf/f]af/sf]
;ª\Vof
-!&_ Zfª\sf:kb
sf/f]af/
k|ltj]bgsf]
;ª\Vof
-!*_ Ifdtf ljsf;
s_ ;b:o
v_ kbflwsf/L
u_ sd{rf/L
3_ ;+:yfut
k|0ffnL

u= cflwsfl/s x:tfIf/
tof/ ug]{ :jLs[t ug]{
x:tfIf/ M x:tfIf/ M
gfd M gfd M
kb M kb M
ldlt M ldlt M
;+:yfsf] 5fk

-51-

cg';"rL–&
rf}dfl;s÷jflif{s k|ltj]bgsf] 9fFrf
-bkmf @* sf] pkbkmf -@_ ;Fu ;DalGwt_
-ljifo jf k|s[ltsf sf/0fn] cfkm";Fu ;DalGwt gePsf] ljj/0f eg{ kg]{ 5}g ._
s= ;fdfGoljj/0f
!= ;+:yfsf] gfd, 7]ufgf M === === ===,
=== === ===
@= k|ltj]bgdlxgf M === === ;fn ===
#= btf{ldlt M
$=btf{ g+= M
%= ;+:yfsf] ljifok|s[lt M
/fli6«o ;xsf/L dxf;+3
s]Gb|Lo ;xsf/L ;+3
;xsf/L a}+s
lhNnf ;xsf/L ;+3


klxnf] ;+zf]wg4f/f yk .

-52-
lhNnflaifout ;xsf/L ;+3
cGo -v'nfpg] === === ===_
^= ;+:yfsf] sfo{If]q M
&= kl5Nnf] cfjsf] n]vfk/LlIftjf;nftsf] hDdf ;DklQjfbfloTj
-?=_ M
*= gLlttyfsfo{ljlwhf/L u/]sf] ldlt M
(= gLlttyfsfo{ljlwcBfjlws u/]sf] ldlt M
!)= hf]lvdd"Nofª\sg ;DkGg u/]sf] ldlt M
!!= hf]lvdd"Nofª\g cBfjlws u/]sf] ldlt M
!@= lhNnfjf s]Gb|LojfcGo ;+3 jfdxf;+3df ;b:otf /x]sf] eP ;f]sf] ljj/0f M
!#= sfof{Gjogclwsf/Lsf] gfd M–
kb M–
7]ufgf M–
lgo"lQmldlt M–
of]Uotf M–
;Dks{ g+= M–
O{d]n M–

-53-
v= ljj/0f
rfn' cf=j= rfn'
utcf=j= cf=j=
l;=g+= ljj/0f s}lkmot
;Ddsf] ;f= e= c= sf= d+= k'= Dff= kmf= r}= j}= h]= c= sf]
hDdf
-!_ hDdf ;b:o
;ª\Vof
klxrfg
cBfjlws
-@_ ePsf;b:o
;ª\Vof
-#_ klxrfg
cBfjlws
gePsf;b:o
;ª\Vof
-$_ klxrfg k"/f
gePsf sf/0f
;b:otf
c:jLsf/ jf
;DaGw
cGToul/Ps
f;b:osf]
;ª\Vof
-%_ pRr hf]lvddf
k/]sf ;b:osf]
;ª\Vof
-^_ dWod hf]lvddf
k/]sf ;b:osf]
;ª\Vof
-&_ Go"ghf]lvddf
k/]sf ;b:osf]
;ª\Vof

-54-
-*_ hf]lvd :t/
kl/jt{g ePsf
;b:osf] ;ª\Vof
-(_ a[xt\ klxrfg
ul/Psf ;b:o
;ª\Vof
-!)_ cg'udg
ul/Psf]
;b:osf] ;ª\Vof
-!!_ ;Ldfsf/f]af/
k|ltj]bg;ª\Vof
-!@_ Zfª\sf:kb
sf/f]af/
k|ltj]bgsf]
;ª\Vof
-!#_ jf:tljs
wgLklxrfg
;+Vof
-!$_ pTkfbg /
;]jfcg';f/
;b:o ;+VofM
-s_ z]o/
-v_ art
-u_ shf{
-3_ cGo

-!%_ Ifdtfljsf;
s_ ;b:o
v_ kbflwsf/L
u_ sd{rf/L
3_ ;+:yfut
k|0ffnL

-55-
u= cflwsfl/s x:tfIf/
x:tfIf/ M
gfd M
kb M
ldlt M
;+:yfsf] 5fk

-56-

cg';"rL–*
/fli6«o ;xsf/L dxf;+3, s]Gb|Lo ;+3, lhNnf jf ;xsf/L a}+sdf k]z ug]{ ljj/0f
-bkmf # sf] pkbkmf -@_ sf] v08 -u_ ;Fu ;DalGwt_
-ljifo jf k|s[ltsf sf/0fn] cfkm";Fu ;DalGwt gePsf] ljj/0f eg{ kg]{ 5}g ._
s= ;fdfGoljj/0f
!= ;+:yfsf] gfd, 7]ufgf M === === ===,
=== === ===
@= btf{ldlt M
#=btf{ g+= M
$= ;+:yfsf] ljifok|s[lt M
lhNnf laifout ;xsf/L ;+3
lhNnf ;xsf/L ;+3
k|b]z laifout ;xsf/L ;+3
k|b]z ;xsf/L ;+3
ljlzli6ut ;xsf/L ;+3


klxnf] ;+zf]wg4f/f yk .

-57-
cGo -v'nfpg] === === ===_
%= ;+:yfsf] sfo{If]q M
^= gLlt tyf sfo{ ljlw hf/L u/]sf] ldlt M
&= gLlt tyf sfo{ ljlw cBfjlws u/]sf] ldlt M
*= hf]lvd d"Nofª\sg ;DkGg u/]sf] ldlt M
(= hf]lvd d"Nofª\g cBfjlws u/]sf] ldlt M
!)= sfof{Gjog clwsf/Lsf] gfd M–
kb M–
7]ufgf M–
lgo"lQmldlt M–
of]Uotf M–
;Dks{ g+= M–
O{d]n M–
v= ljj/0f
rfn' cf=j= rfn'
utcf=j= cf=j=
l;=g+= ljj/0f s}lkmot
;Ddsf] ;f= e= c= sf= d+= k'= Dff= kmf= r}= j}= h]= c= sf]
hDdf
-!_ hDdf ;b:o ;ª\Vof

-58-
klxrfg cBfjlws
ePsf ;b:o
-@_ ;ª\Vof
-#_ klxrfg cBfjlws
gePsf ;b:o
;ª\Vof
-$_ klxrfg k"/f
gePsfsf/0f
;b:otf c:jLsf/
jf ;DaGw cGTo
ul/Psf ;b:osf]
;ª\Vof
-%_ pRr hf]lvddf
k/]sf ;b:osf]
;ª\Vof
-^_ dWodhf]lvddf
k/]sf ;b:osf]
;ª\Vof
-&_ Go"g hf]lvddf
k/]sf ;b:osf]
;ª\Vof
-*_ hf]lvd :t/
kl/jt{g ePsf
;b:osf] ;ª\Vof
-(_ a[xt\ klxrfg
ul/Psf ;b:o
;ª\Vof
-!)_ pTkfbg /
;]jfcg';f/ ;b:o
;+VofM
-s_ z]o/
-v_ art
-u_ shf{

-59-
-3_ cGo

-!!_ cg'udg ul/Psf]

;b:osf] ;ª\Vof
-!@_ ;Ldfsf/f]af/
k|ltj]bg ;ª\Vof
-!#_ Zfª\sf:kb sf/f]af/
k|ltj]bgsf] ;ª\Vof
-!$_ jf:tljswgLklxrfg
;+Vof

-!%_ Ifdtf ljsf;

s_ ;b:o
v_ kbflwsf/L
u_ sd{rf/L
3_ ;+:yfut k|0ffnL
u= cflwsfl/s x:tfIf/
x:tfIf/ M
gfd M
kb M
ldlt M
;+:yfsf] 5fk

-60-