jx'd'No wft' tyf kTy/sf] Joj;fo ug]{ JolQm, kmd{ jf

sDkgLnfO{ ;DklQ z'l4s/0f -dgL nfp08l/_ lgjf/0f ug]{

;DaGwdf ljQLo hfgsf/L OsfO{n] hf/L u/]sf] lgb]{zg
ax'd'No wft' tyf kTy/ Joj;foLnfO{ hf/L u/]sf] lgb]{zg g+= !

g]kfn /fi6 a}+s

s]Gb|Lo sfof{no
ljQLo hfgsf/L OsfO{
@)^&, sflt{s
-@)^&.(.! b]lv nfu" x'g]u/L hf/L_

g]kfn /fi6 a}+s

ljQLo hfgsf/L OsfO{
;DklQ z'l4s/0f -dgL nfp08l/_ lgjf/0f P]g, @)^$ adf]lhd ;DklQ z'l4s/0f tyf
cftssf/L sfo{df ljQLo nufgL ug]{ h:tf ck/fwsf] lgoGq0fsf] l;nl;nfdf ax'd'No wft' tyf
kTy/sf]1 Joj;fo ug]{ JolQm, kmd{ jf sDkgLn] -o;kl5 ax'd'No j:t' Joj;foL elg ;Djf]wg
ul/Psf]_ k7fpg' kg]{ ;"rgf tyf hf]lvd Joj:yfkgsf ;DaGwdf ;f]xL P]gsf] bkmf !)-#_ tyf
;DklQ z'l4s/0f lgodfjnL, @)^^ sf] lgod &-!_ n] lbPsf] clwsf/ k|of]u u/L ljQLo hfgsf/L
OsfO{n] b]xfosf lgb]{zg hf/L u/]sf] 5 .
!=

u|fxssf] :ki6 klxrfg -Know Your Customer) sfod u/L ;f]sf] ljj/0f /fVg' kg]{M
!=! ax'd'No j:t' Joj;foLn] s;};Fu ax'd'No wft' jf kTy/sf] vl/b jf lalqm ubf{
To:tf] u|fxssf] ;DklQ z'l4s/0f lgjf/0f P]g, @)^$ cg';f/ cg';"lr! adf]lhd
klxrfg v'Ng] sfuhft tyf ljj/0f lnO{ ;f]sf] clen]v /fVg' kg]{5 .
!=@ ax'd'No j:t' Joj;foLn] cfkm\gf lgoldt u|fxs;Fu vl/bljlqmsf] sf/f]jf/ ubf{
klxn] g} :yflkt u/]sf] klxrfg / ;f];Fu ;DjlGwt sfuhftdf s'g} kl/jt{g ePsf]
cj:yfdf v08 ! adf]lhdsf] klxrfg k|lqmofnfO{ k'gM ;DkGg ug'{ kg]{5 .
!=# ax'd'No j:t' Joj;foLn]] cfgf] k|To]s sfof{noljlqm s]Gb|df u|fxsn] ;DjGw
:yflkt ubf{ k]]z ug'{ kg]{ ;j} sfuhft ;f]sf k|d'v jf lghn] tf]s]sf] s'g}
sd{rf/Laf6 k|dfl0ft u/fO{ /fVg' kg]{5 .

@=

ljj/0f lbg' kg]{M lgb]{zg g+= ! adf]lhd ax'd'No j:t' Joj;foLn] cfjZos ljj/0f dfUbf
To:tf] ljj/0f pknJw u/fpg] bfloTj ;DjlGwt u|fxssf] x'g]5 . s'g} sf/0fj; To:tf]
ljj/0f glbg], lbg grfxg] jf lbg g;Sg] u|fxs;Fu ax'd'No j:t' Joj;foLn] cfkm\gf]
sf/f]jf/ jf Joj;foLs ;DaGw /fVg tTsfn OGsf/ ug{ ;Sg]5 . To;/L OGsf/ ubf{ jf
s'g} sf/0fn] ;DjGw :yflkt ug{ O{Gsf/ ug{ g;lsg] cj:yf ePdf To:tf u|fxs;+usf]
sf/f]jf/nfO{ z+sf:kb sf/f]jf/ dfgL ;f]sf] ljj/0f cg';"lr# adf]lhdsf] 9fFrfdf ljQLo
hfgsf/L OsfOdf k]z ug'{ kg]{5 .

#=

;Ldf jf ;f] eGbf a9L /sdsf sf/f]jf/sf] ljj/0f lbg]M

#=! ax'd'No j:t' Joj;foLn] s'g} klg JolQm, ;+:yf, kmd{, sDkgL jf cGo s;}n] Ps
k6s jf k6s k6s u/L Ps lbgdf ? bz nfv jf ;f] eGbf j9Lsf] ax'd'No wft'
jf kTy/sf] vl/b jf lalqm u/]df ;f]sf] ljj/0f cg';"lr@ adf]lhdsf] 9fFrfdf
tof/ u/L Ps k|lt cgkm";Fu /fvL xsf]{ k|lt To:tf] sf/f]jf/ ePsf] ldltn] ;ft
lbg leq ljQLo hfgsf/L OsfOdf k]z ug'{ kg]{5 .
#=@ ax'd'No j:t' Joj;foLn] ? bz nfv jf ;f] eGbf dfyLsf] sf/f]jf/sf]] /sd, >]:tf
jf lx;fj ;~rfng ;DaGwL 5'} k|lqmofut ;+oGq tof/ ug'{ kg]{5 / To:tf]

!! o; lgb]{zgsf] k|of]hgsf nflu ax'd'No wft' jf kTy/ eGgfn] ;'g, rFfbL, k]lN6gd, lx/f, df]lt nufot cGo ax'd'No wft'
tyf kTy/nfO{ ;d]t hgfp5 .

#=#

sf/f]jf/df k|of]u x'g] /sdsf] >f]t ;d]t ;DalGwt u|fxsaf6 pNn]v ug{ nufO{
cWofjlws u/L /fVg' kg]{5 .
z+sf:kb sf/f]jf/sf] xsdf v08 ! adf]lhdsf] ;Ldf nfu" x'g] 5}g . u|fxssf] s'g}
klg sf/]fjf/ jf ultljlw z+sf:kb b]lvPdf ax'd'No j:t' Joj;foLn] z+sfikb
sf/f]jf/sf] ?kdf ljQLo hfgsf/L OsfO{nfO{ tTsfn hfgsf/L lbg' kg]{5 .

$=

z+sf:kb sf/f]jf/ultljlwsf] ljj/0f k7fpg' kg]{]M

$=! ax'd'No j:t' Joj;foLn] s'g} klg u|fxs;+usf] sf/f]jf/df o; lgb]{zgdf lbOPsf
s'g} klg cfwf/ jf cj:yf ljBdfg /x]sf] kfPdf jf To:tf] nfu]df To:tf s'g}klg
sf/f]jf/ jf ultljlwsf] ;"rgf cg';"lr# adf]lhdsf] 9fFrfdf ljQLo hfgsf/L
OsfO{nfO{ tTsfn lbg' kg]{5 .
$=@ ax'd'No j:t' Joj;foLn] z+sf:kb sf/f]jf/ jf ultljlw egL ljQLo hfgsf/L
OsfOnfO{ lbPsf hfgsf/Lsf] 5'} clen]v v8f u/L /fVg' kg]{5 .
$=# z+sf:kb sf/f]jf/sf] xsdf ljj/0f k7fpgsf nflu sf/f]jf/sf] s'g} klg ;Ldf /xg]
5}g .

%=

;"rgf lbg' kg]{ z+sf:kb sfd sf/f]jf/sf] k|s[ltM ;DklQ z'l4s/0f -dgL nfp08l/_
lgjf/0f P]g, @)^$, ;DklQ z'l4s/0f -dgL nfp08l/_ lgjf/0f lgodfjnL, @)^^ tyf
o; lgb]{zg adf]lhd ax'd'No j:t' Joj;foL n]] cfk\mgf] sf/f]jf/sf] l;nl;nfdf s'g} klg
:jb]zL jf ljb]zL gful/s, u|fxs, kmd{, sDkgL, ;+:yf jf lgsfon] ;DklQ z'l4s/0f,
cftssf/L sfo{ jf ;Da4 cGo s;"/hGo s'g} sfo{ u/]sf], ug{ nfu]sf] jf ug{ k|of;
u/]sf] yfxf x'g cfPdf jf b]lvPdf jf b]xfo adf]lhdsf] sfo{ u/] u/fPsf] jf ug{ nfu]] jf
nufPsf] kfPdf jf z+sf nfu]df ;f] s'/f z+sf:kb sfo{ultljlwsf/f]jf/sf] ;"rgfsf]
?kdf cg';"rL# sf] 9fFrfdf ljQLo hfgsf/L OsfOnfO{ tTsfn ;"rgf ug'{ kg]{5M
%=! g]kfn jf ljb]zdf s'g} s;"/ jf ck/fwaf6 k|fKt jf k|rlnt sfg"gn] gug'{ eg]sf]
sfo{ u/L jf To:tf] sfg"g adf]lhd nfg Nofpg gldNg] s'g} klg k|sf/sf] ;DklQ
-/sd ;d]t_, ;f]df k|of]u ePsf jf ug{ vf]lhPsf j:t', pks/0f jf s'g} klg >f]t
;fwgsf] k|of]u jf pkof]u u/]df jf ;f] dfkm{t sf/f]jf/ u/]df jf ug]{ k|of; u/]df,
%=@ g]kfn jf ljb]zdf s'g} s;"/ jf ck/fwaf6 k|fKt /sd jf cGo s'g} klg k|sf/sf]
;DklQ k|ToIf jf ck|ToIf ?kdf k|fKt, wf/0f, ef]urng jf k|of]u u/]df, To:tf]
;DklQ s'g} k|sf/af6 nufgL u/L k|fKt u/]df jf To;/L cfPsf]] jf a9] a9fPsf]
;DklQnfO{ sfg"gL ?kn] k|fKt u/]sf], cfh{g u/]sf] ;DklQsf] ?kdf ef]urng u/]df,
wf/0f u/]df jf k|of]u jf pkef]u u/]df jf To:tf] b]vfpg] sfo{ jf ;f] ;DklQ;Fu
;DalGwt cGo s'g} klg sfo{ u/]df jf To:tf] ;DklQsf] ;|f]t n'sfpg] jf To:tf]
;DklQ k|fKt ug]{ JolQmnfO{ sfg"gL sf/afxLaf6 arfpg] p2]Zon] To:tf] ;DklQ
?kfGt/0f ug{, n'sfpg jf :yfgfGt/0f ug{ s;}nfO{ d2t u/]df,
%=# g]kfn jf ljb]zdf s'g} s;"/ jf ck/fw ug{ u/fpg k|ToIf jf ck|ToIf pBf]u, d2t,
;xof]u, jf b'?T;fxg u/] u/fPdf,

%=$ ;DklQ z'l4s/0f ;DaGwL P]g, lgod jf lgb]{zg adf]lhd ;"rgf lbg' kg]{ s;"/sf]
af/]df ;"rgf glbPsf], lbg gvf]h]sf] jf n'sfpg k|of; u/] u/fPsf] cj:yf
b]lvPdf,
%=% ;DklQ z'l4s/0f -dgL nfp08l/_ lgjf/0f P]g, @)^$ adf]lhd lbg' kg]{ jf lbPsf]
;"rgfhfgsf/L sfg"g adf]lhd afx]s c;Da4 kIf jf cGo s;}nfO{ hfgsf/L
lbPsf] jf lbg nufPsf] b]lvPdf,
%=^ s'g} ljQLo s;"/ jf ck/fw u/] u/fPsf] jf ug{ nfu]sf] jf nufPsf] cj:yf
b]lvPdf,
%=& s;"/ jf ck/fw;Fu ;DalGwt s'g} klg u|fxs jf ;+:yfsf] klxrfg ;DaGwL ljj/0f
eP u/]df .
^=

z+sf:kb ;"rgf lbg ;xof]u k'Ug] ;+efljt cfwf/M ax'd'No j:t' Joj;foL;Fu g]kfnL jf
ljb]zL u|fxsn] u/]sf jf ug{ vf]h]sf sfd sf/f]jf/sf] lznl;nfdf b]xfo adf]lhdsf sfo{
u/]sf], ug{ u/fpg nfu]sf] jf To:tf] cfz+sf nfu]sf] jf ;f]df sf]xL s;}af6 k|ToIf jf s'g}
klg k|sf/sf] ck|ToIf ;xof]u, nufgL, of]ubfg ePsf] jf x'g nfu]sf] cfz+sf nfu]df jf
To:tf] cj:yf dxz'; ePdf jf hfgsf/L x'g cfPdf pQm kl/l:ylt / cj:yfnfO{ tTsfn
z+sf:kb laifosf] ;"rgf lbg] cfwf/ dfGg ;lsg] 5MM
(1)
s;}n] s/, eG;f/, dfnkf]t, ljB't, kfgL, 6]lnkmf]g nufot cGo /fhZj jf
;/sf/L b:t'/ 5nL jf glt/L ;DklQ -/sd ;d]t_ cfh{g u/]sf] b]lvPsf],
(2)
s;}sf] cfly{s x}l;ot, k]zf Joj;fo jf sfd sf/jfxLaf6 ;fdfGotof
cfh{g ug{ ;lsg] eGbf km/s, ckTofl/nf], c:jefljs hLjg :t/
;~rfng u/]sf] jf g;'xfpbf] cfly{s sf/f]jf/ jf lqmofsnfk u/]sf]
b]lvPsf],
(3)
dgfl;j dflkmssf] sf/0f g} geO{ crfgs cfly{s j[l4 jf x}l;ot a9]sf]
b]lvPsf],
(4)
dgfl;j dflkmssf] sf/0f g} geO{ ljutsf] ljQLo k[i7e"ld eGbf tflTjs
km/s kg]{ ljQLo x}l;ot b]lvPsf] jf ;f] adf]lhdsf] vl/b, sf/f]jf/,
Joj;fo ug{ vf]h]sf] jf To:tf] sfo{ cfo>f]t jf cfly{s x}l;ot;Fu d]n
gvfg] b]lvPsf],
(5)
cfo >f]t gv'n]sf] jf gv'nfPsf] jf >f]tsf] af/]df lrQa'bf] ljj/0f k|fKt
gePsf]],
(6)
sf/f]jf/sf] lznl;nfdf k|rlnt sfg"g adf]lhd v'Ng' kg]{ klxrfg nufot
cGo ljj/0f lagf sf/0f gv'n]sf] jf v'nfpg grfx] h:tf] b]lvPsf]
(7)
s'g} klg sfd sf/f]jf/df ljQLo hfgsf/L OsfO{nfO{ lgoldt ;"rgf k|bfg
ug]{ egL s'g} ;Ldf tf]lsPsf] ePdf ;f] l;df eGbf sd /sddf af/Daf/
sf/f]jf/ ePsf] b]lvPsf],
(8)
s'g} s;"/sf] l;nl;nfdf k|x/L, clVtof/, s/, /fhZj cg';Gwfg nufotsf
cGo ck/fw cg';Gwfgsf/L lgsfon] 5fgljg, cg';Gwfg txlssft

(9)

(10)

(11)

(12)
(13)
(14)
(15)
(16)
(17)
(18)

&=

ul//x]sf] jf To:tf lgsfoaf6 vf]hL e}/x]sfx?;Fu sfd sf/f]jf/ ;DalGwt

/x]sf],
g]kfn ;/sf/n] cft+sjfbL jf cfk/flws ultljlwdf ;+nUg elg
tf]lslbPsf JolQm jf ;+:yf, jf cGt/f{li6o ?kdf ;+o'Qm /fi6 ;+3n]
laleGg k|:tfj dfkm{t cft+sjfbL jf ck/flwsf] ;"rLdf /fv]sf], jf cft,
cftsf/L ultljlw, cftjfbL ;+u7g, ;+ul7t ck/fw, nfu" cf}ifw
nufot cGo s'g} klg lsl;dsf cfk/flws sfo{nfO{ k|ToIf jf ck|ToIf
;xof]u k'ofpg];Fu ;DalGwt /x]sf],
:jb]zL jf ljb]zL ;+rf/ dfWodx?n] ck/fwsf ;DaGwdf s'g} JolQm jf
;+:yfsf af/]df u/]sf] l6Kk0fL jf ;dfrf/ ;Dk|]if0fsf cfwf/df x]bf{ ;"rgf
ug'{ kg]{ k|s[ltsf] b]lvPsf],
z+sf:kb sf/f]jf/ ug{ k|of; ug]{;Fu ;DalGwt /x]sf] jf s'g} klg lsl;dn]
;+sf:kb, ;DklQ zl'4s/0f, cftsf/L jf cfk/flws ultljlwaf6 jf
;f]nfO{{ k|f]T;fxg ug]{ u/L u/]sf] jf ePsf] b]lvg] jf z+sf nfUg] sf/f]jf/ jf
s'g} klg lx;fjn] cZjfefljs jf z+sf:kb b]lvPsf],
lagf sf/0f af/Daf/ jf le8ef8sf] ;dodf dfq sf/f]jf/ ug{ cfpg]
b]lvPsf],
sfd u/fpg' kg]{ sd{rf/L;Fu cg'lrt jf c:jefljs glhssf] ;DaGw
/fVg vf]lhPsf],
Ps eGbf a9L c;DalGwt u|fxssf] ;dfg 7]ufgf ePsf],
k|rlnt sfg"g adf]lhd lgodgsf/L jf tfn's lgsfon] cGo cfwf/
lbPsf],
s;}n] cfkm\gf] sfd sf/f]jf/ n'sfpg cfkm" afx]s cGo JolQmsf] gfddf
sfd sf/f]jf/ u/]df jf ug{ vf]h]sf] b]lvPdf,
k|rlnt sfg"g adf]lhd s'g} cGo sf/0fn] z+sf:kb b]lvPsf],
dfly plNnlvt sfo{df dltof/ eO{ jf ;xof]uLsf] ?kdf sfo{ u/]sf] .

cftsf/Lsf] klxrfg, sf/f]jf/df lgoGq0f / ;"rgfM

&=! ax'd'No j:t' Joj;foLn] cfkm\gf] u|fxs;]jfu|fxL ;+o'Qm /fi6 ;+3, ;'/Iff kl/ifb\sf]
lg0f{o g+= !@^& tyf ;f];Fu ;DalGwt cftsf/Lsf ?kdf ;"lrs[t cn sfobf,
tflnjfg nufot ;do ;dodf tf]lsPsf cGo ;+:yf, ;d"x jf JolQm / To:tf;Fu
;Da4 s'g} klg ;+:yf, ;d"x jf JolQm;Fu ePsf] kfPdf ;f]sf] hfgsf/L ljQLo
hfgsf/L OsfOdf tTsfn k7fpg' kg]{5 .
&=@ v08 &=! adf]lhdsf] s'g} sfd sf/f]jf/df ;+nUg s'g} JolQm, ;+:yf, kmd{ jf
sDkgLnfO{ cfkm"n] ;]jf k|bfg u/L/x]]sf] kfOPdf jf yfxf kfPdf tTsfn z+sf:kb
sf/f]jf/sf] ?kdf o; OsfO{nfO{ hfgsf/L k7fO{ ;f]sf] hfgsf/L ck/fw lgoGq0f
ug]{ ;DalGwt ;/sf/L lgsfo jf clwsf/LnfO{ ;d]t lbg' kg]{5 .
&=# ax'd'No j:t' Joj;foLn]] v08 &=! adf]lhdsf s'g} JolQm, ;+:yf, kmd{ jf sDkgL
;DaGwL
hfgsf/L
;+o'Qm
/fi6
;+3sf]
j]e
;fO6
4

http://www.un.org/sc/committees/1267/pdf/consolidatedlist.pdf

af6

k|fKt u/L ;f]sf] klxrfg / lgoGq0f ug]{ cfjZos ;+oGq lgdf{0f ug'{ kg]{ 5 .
&=$ g]kfnsf] k|rlnt sfg"g jf sfg"gL Joj:yfn] cGoyf u/]sf]df afx]s ax'd'No j:t'
Joj;foLn] ljleGg d'n'sn] cftsf/L jf cfk/flws lu/f]xsf ?kdf 3f]if0ff u/]sf
s'g} ;+:yf, ;d"x jf JolQm / To:tf;Fu ;Da4 s'g} klg ;+:yf, ;d"x jf JolQm
cfkm\gf] u|fxs;]jfu|fxL ePsf] yfxf kfPdf tTsfn z+sf:kb sf/f]jf/sf] ?kdf o;
OsfO{nfO{ k7fO{ ;f]sf] hfgsf/L ck/fw lgoGq0f ug]{ ;DalGwt ;/sf/L
clwsf/LnfO{ ;d]t lbg' kg]{5 .
*=

hf]lvdsf] jlu{s/0fM
*=! ax'd'No j:t' Joj;foLn]] cfk\mgf u|fxs, sf/f]jf/sf] dfqf, k|s[lt / If]q x]/L tL
sf/f]jf/df cGt/lglxt hf]lvdnfO{ klxrfg u/L hf]lvdsf] jlu{s/0f ug'{ kg]{5 .
o;/L jlu{s/0f ubf{ sDtLdf b]xfo adf]lhd ug'{ kg]{5M
-s_ cToflws hf]lvd
-v_ hf]lvd
*=@ ax'd'No j:t' Joj;foLn]] b]xfo adf]lhdsf u|fxs tyf sf/f]jf/nfO{ cToflws
hf]lvd cGtu{t /fVg' kg]{5 .
-s_ g]kfn jf ljb]zdf cftsf/L ultljlw, cftsjfbL ;+u7g, ;+ul7t
ck/fw, nfu" cf}ifw nufot cGo s'g} klg lsl;dsf cfk/flws sfo{nfO{
k|ToIf jf ck|ToIf ;xof]u k'ofpg];Fu ;DalGwt JolQm jf pgLx?;Fu
;DjlGwt sf/f]jf/,
-v_ /fhg}lts, Joj;flos, ;fdflhs, ljQLo, k|zf;lgs cflb If]qdf pRr
txdf /x]sf :jb]zL jf ljb]zL gful/s tyf yfxf eP;Ddsf lghsf
kl/jf/, glhssf gft]bf/ jf lgx?;Fu ;Da4 kmd{, sDkgL jf
;+3;+:yf;Fu ;DalGwt sf/f]jf/,
-u_ cfdg] ;fdg] geO{ x'g ;Sg] sf/f]jf/,
-3_ u}/ cfjfl;o u|fxssf] sf/f]jf/,
-_ ;DklQ z'l4s/0f / cftjfbL lqmofsnfk /f]Sg] ;DaGwdf cfjZos
dfkb08 gckgfPsf b]zsf gful/s jf cGo;Fusf] sf/f]jf/,
-r_ ;+o'Qm /fi6 ;+3 jf cGo cGt/;/sf/L cGt/f{li6o ;+:yfn] cfly{s
gfsfaGbL nufPsf] jf va/bf/L u/]sf /fi6sf gful/s jf cGo JolQm tyf
;+:yf;Fusf] sf/f]jf/,
-5_ ;DklQ z'l4s/0f / cGo ljQLo ck/fwdf ;+nUg ePsf] egL cfd ;+rf/
dfWoddf rrf{ kfPsf u|fxsx?,
-h_ ax'd'No j:t' Joj;foL sf] sfo{If]q leq x'g] u/]sf sfd sf/jfxL cflbsf
cfwf/df a9L z+sf ug'{ kg]{ sf/f]jf/, u|fxs jf ;+:yf,
-em_ s/, eG;f/, b:t'/ jf cGo /fhZj cflb 5nL, lxgfldgf ug{ u/fpg] egL
a'lemPsf;'lgPsf / ;f];Fu s'g} klg k|sf/n] ;DalGwt JolQm;Fusf]
sf/f]jf/,
5

*=#

-`_ z+sf:kb sf/f]jf/ klxrfg ug{ ;lsg] cfwf/ dWo]sf sf/f]jf/,

-6_ ax'd'No j:t' Joj;foL cfkm}n] pko'Qm 7fg]sf cGo sf/f]jf/ .
ax'd'No j:t' Joj;foL n]] v08 @ adf]lhdsf u|fxs / sf/f]jf/ afx]s cGo u|fxs
/ sf/f]jf/nfO{ ;dfGo hf]lvdo'Qm u|fxs tyf sf/f]jf/ cGtu{t /fVg' kg]{5 .

(=

hf]lvd Joj:yfkg / cfGtl/s lgb]{lzsfM

(=! ax'd'No j:t' Joj;foL n]] cToflws hf]lvd ePsf u|fxs jf sf/f]jf/sf] ;DaGwdf
cfGtl/s Joj:yfkg ug{, ;DalGwt lgsfodf tTsfn ;"rgf lbg, clen]v /fVg
pko'Qm hf]lvd Joj:yfkg ug]{ ;+oGq lgdf{0f ug'{ kg]{ 5 .
(=@ ;DklQ z'l4s/0f -dgL nfp08l/_ lgjf/0f P]g, lgod tyf o; lgb]{zgsf]
clwgdf /xL ax'd'No j:t' Joj;foL n]] ;DklQ z'l4s/0f lgjf/0f tyf cftssf/L
sfo{df x'g] ljQLo nufgL /f]Sg, hf]lvd lgoGq0f, cfGtl/s lgoGq0f, u|fxssf]
pko'Qm klxrfg, hfgsf/L Joj:yfkg, clen]v, z+sf:kb sf/f]jf/ klxrfg tyf
lbg' kg]{ ;"rgf ljj/0f Pjd\ P]g, lgod, lgb]{zgsf] kfngf ;DaGwdf cfjZos
lgb]{lzsf agfO{ nfu" u/L ;f]sf] k|ltlnkL ;lxtsf] hfgsf/L ljQLo hfgsf/L
OsfO{nfO{ lbg' kg]{5 . o:tf] lgb]{lzsfdf u|fxssf] klxrfg ;DaGwL sfo{ljlw, u|fxs
:jLsf/ k|lqmof, kl/ro k|lqmof, sf/f]jf/ cg'udg k|lqmof / hf]lvd Joj:yfkg
k|lqmof h:tf ljifo ;d]t pNn]v ug'{ kg]{5 .

!)=

ax'd'No j:t' Joj;foL sf] bfloTj / sfof{Gjog clws[tM

!)=! ax'd'No j:t' Joj;foLn] ;DklQ z'l4s/0f -dgL nfp08l/_ lgjf/0f P]g, lgod jf
;f] cGtu{t hf/L ePsf lgb]{zg, cfb]z, kl/kq tyf ;Da4 cGo sfg"g adf]lhd
ljj/0f tyf ;"rgf k|bfg ug]{ sfo{ ;'/lIft :yfgdf uf]klgotf sfod /xg] u/L
ug]{ Joj:yf ldnfg' kg]{ 5 / ;f]sf nflu cfjZos hfgsf/L, tflnd tyf dfkb08
;d]t to ug'{ kg]{5 .
!)=@ v08 !)=! sf] sfof{Gjogsf] nflu ax'd'No j:t' Joj;foL cfkm} jf cfkm";Fu sfo{
ug]{ s'g} JolQmnfO{ ;DklQ z'l4s/0f -dgL nfp08l/_ lgjf/0f P]g, ljQLo
hfgsf/L OsfOsf] lgb]{zg tyf o; ;DaGwL cGo k|rlnt sfg"g adf]lhdsf] sfo{
ug]{ kmf]sn KjfOG6sf] ?kdf sfd ug{ Ps sfo{Gjog clws[tsf] Joj:yf ug'{
kg]{5 . o;/L sfd ug]{ JolQmsf] gfd, 7]ufgf, ;Dks{ gDj/, Od]n nufotsf
ljj/0f ljQLo hfgsf/L OsfO{df k7fpg' kg]{5 .

!!=

ljj/0f k7fpg] k4ltM

!!=! ax'd'No j:t' Joj;foLn]] ljQLo hfgsf/L OsfOnfO{ lbg' kg]{ z+sf:kb sf/f]jf/sf]
;"rgf tyf ljj/0f cg';"rL# / ;Ldf eGbf a9L /sdsf] sf/f]jf/sf] ;"rgf tyf
ljj/0f cg';"rL@ adf]lhdsf] 9fFrfdf k]z ug'{ kg]{5 .
!!=@ ax'd'No j:t' Joj;foLn]] z+sf:kb jf cGo sf/f]jf/nfO{ kq jf k\mofS;, O{d]n
h:tf ljB'tLo ;+rf/ dfWodaf6 ljQLo hfgsf/L OsfO{nfO{ k|bfg ug{ ;Sg]5 .

k\mofS;, O{d]n h:tf dfWodaf6 hfgsf/L k|bfg ul/Psf] ePdf tTsfn cGo
dfWodaf6 ;f]sf] k'i6L ug'{ kg]{5 .
!!=# ljQLo hfgsf/L OsfO{nfO{ lbOPsf] ljj/0fdf s'g} s'/f 5"6 ePdf jf To:tf]
sf/f]af/ ubf{sf ;dodf ;DalGwt JolQmn] k]z u/]sf] ljj/0f jf hfgsf/L eGbf
km/s ljj/0f jf hfgsf/L kl5 k|fKt ePdf ;DalGwt ax'd'No j:t' Joj;foLn]
;f]sf] hfgsf/L ljQLo hfgsf/L OsfO{nfO{ t'?Gt lbg' kg]{5 .
!@= cg'udg tyf lgodgM
!@=! ljQLo hfgsf/L OsfO{n] ;DklQ z'l4s/0f -dlg nfpG8l/_ lgjf/0f P]g tyf ;f]
cGtu{t hf/L ePsf] lgod, ljlgod, lgb]{zg jf cfb]z adf]lhd ug'{ kg]{ sfo{x?
;DjlGwt ax'd'No j:t' Joj;foLn] u/] gu/]sf] ;DjGwdf ;do ;dodf cg'udg
ug{ u/fpg ;Sg]5 .
!@=@ v08 ! adf]lhd cg'udg ubf{ u/fpbf cfjZos ;Dk"0f{ ;xof]u ug'{ u/fpg'
;DjlGwt ax'd'No j:t' Joj;foLsf] st{Ao x'g]5 .
!#=

uf]Kotf e ug{ gx'g]M ax'd'No j:t' Joj;foL jf ;f]sf] s'g} klg sd{rf/L, kbflwsf/L jf
k|ltlglwn] ljQLo hfgsf/L OsfO{nfO{ k|bfg u/]sf] ;"rgf, hfgsf/L, cg';Gwfg tyf
txlssftsf]] l;nl;nfdf jf cfgf] st{Jo kfng ubf{ 1ft x'g cfPsf] s'g} klg tYo jf
bflvnf ePsf] s'g} lnvtsf] uf]Kotf k|rlnt sfg"gn] afWo u/]sf] cj:yfdf afx]s cGo
cj:yfdf e ug{ jf u|fxs nufot cGo sf]xL s;}nfO{ s'g} klg tl/sfaf6 hfgsf/L lbg'
x'b}g .

!$=

hl/jfgf / sf/jfxL]M
!$=! ;DklQ z'l4s/0f -dlg nfpG8l/_ lgjf/0f P]g tyf ;f] cGtu{t hf/L ePsf]
lgod, ljlgod, lgb]{zg jf cfb]z adf]lhd tf]lsPsf] ;dodf hfgsf/L ljQLo
hfgsf/L OsfO{nfO{ pknAw gu/fpg] ax'd'No j:t' Joj;foL nfO{ pQm P]g
adf]lhd ljQLo hfgsf/L OsfO{n] hl/afgf ug{ ;Sg]5 .
!$=@ ;DklQ z'l4s/0f -dgL nfp08/L_ lgjf/0f P]g tyf ;f] cGtu{t hf/L lgod,
ljlgod, lgb]{zg jf cfb]zsf] pNn+3g ug]{nfO{ ;DklQ z'l4s/0f -dgL nfp08/L_
lgjf/0f P]g, @)^$ adf]lhd sf/jfxL x'g]5 .

gf]6M ljj/0f k7fpbf b]xfo adf]lhdsf] 7]ufgfdf k7fpg' kg]{5 .

g]kfn /fi6 a}+s
ljQLo hfgsf/L OsfO
afn'jf6f/, sf7df08f}
kmf]gM $$!(*)$,$$!(*)%,$$!(*)& -Ext. $!$,$!&,$!*_
km\ofS;M $$$!)%!

Od]nM

reportfiu@nrb.org.np

cg';"rL !
u|fxs kl/ro ;DaGwL k|lqmof
ax'd'No j:t' Joj;foLn] sf/f]jf/sf] ;Gbe{df u|fxssf] b]xfo adf]lhdsf] ;"rgf tyf
sfuhftx? lng' kg]{5 . ;fy}, cfjZos k/]df u|fxs;Fu cfjZos ;f]wk'5 ;d]t ug{
;Sg]5 .
s_ :jb]zL k|fs[lts JolQmsf]
(1)
:ki6 gfd, y/, pd]/
(2)
:yfoL 7]ufgf -7]ufgf k|dfl0ft ug]{ cfjZos sfuhft x'g'kg]{,
To:tf sfuhftx?df gful/stfsf] k|df0fkq, /fxbfgL, dtbftf
kl/ro kq, kfgL tyf lah'nLsf] lan, cflb_
(3)
xfnsf] 7]ufgf :yfoL 7]ufgf eGbf km/s eP xfnsf] 7]ufgf
(4)
6]lnkmf]g gDa/, Od]n -ePdf pNn]v ug]{_
(5)
lghsf] k]zf k|df0fLt ug]{ s'g} sfuh jf g]kfn ;/sf/ jf g]kfn
;/sf/sf] :jfldTj ePsf] ;+:yfdf sfd ug]{ sd{rf/L eP
kl/rokqsf] 5jL lrq
(6)
:yfoL n]vf gDj/ lnPsf] eP ;f] gDj/
(7)
cGo cfjZos sfuhftx? -ax'd'No j:t' Joj;foL :jo+n] tf]Sg
;Sg]_
v_ ljb]zL k|fs[lts JolQmsf]
(1)
:ki6 gfd, y/, pd]/
(2)
:yfoL 7]ufgf tyf kf;kf]6{ tyf le;f jf /fli6otf hgfpg] cGo
s'g} sfuh k|ltlnlk
(3)
g]kfndf xfn /x]sf] 7]ufgf
(4)
6]lnkmf]g gDa/, Od]n -ePdf pNn]v ug]{_
(5)
cGo cfjZos sfuhftx? -ax'd'No j:t' Joj;foL :jo+n] tf]Sg
;Sg]_
u_ Joj;foL kmd{, sDkgL jf ;+:yfsf]
(1)
:ki6 gfd, 7]ufgf
(2)
btf{ k|df0fkq
(3)
6]lnkmf]g gDa/, Od]n -ePdf pNn]v ug]{_
(4)
:yfoL n]vf jf d'No clej[4L s/ btf{ gDj/
(5)
cGo cfjZos sfuhftx? -ax'd'No j:t' Joj;foL :jo+n] tf]Sg
;Sg]_

cg';"lr @
ax'd'No j:t' Joj;foLn] ;Ldf eGbf a9L sf/f]jf/sf] ljj/0f k7fpg] 9fFrf
ax'd'No j:t' Joj;foLsf] gfdM
qm=;+=

vl/bljlqm stf{sf] gfd / 7]ufgf

k|df0fkq jf /fli6otf v'Ng]
kl/rokq dWo] s'g} Pssf] k|ltlnlk)

(gful/stfsf]

k]zf
Joj;fo

sf/f]jf/
ldlt

sf/f]jf/
k|s[lt
vl/bljlqm

sf/f]jf/
/sd

/sdsf] >f]t

s}lkmot

1
2
3
4
5
6
7
8
9

ljj/0f k]z ug]{sf] x:tfIf/M

(sfof{Gjog clws[td'Vo eO sfd ug]{ JolQm)
gfd:
kmf]g:
Od]n:
k\mofS;:
ldltM

cg';"lr #
ax'd'No j:t' Joj;foLn] z+sf:kb sf/f]jf/sf] ljj/0f k7fpg] 9fFrf
ax'd'No j:t' Joj;foLsf] gfdM
qm=;+

vl/bljlqm stf{sf] gfd / 7]ufgf

k|df0fkq jf /fli6otf
v'Ng] kl/rokq dWo] s'g} Pssf]
k|ltlnlk)

(gful/stfsf]

k]zf
Joj;fo

sf/f]jf/sf] sf/f]jf/sf] sf/f]jf/sf]

/sd
ldlt
k|sl[ t
vl/bljlqm

/sdsf]
>f]t

z+sf:kb x'gfsf]
sf/0f

s}lkmot

1
2
3
4
5
6
7
8
9

ljj/0f k]z ug]{sf] x:tfIf/M

(sfof{Gjog clws[t d'Vo eO sfd ug]{ JolQm)
gfd:
kmf]g:
Od]n:
k\mofS;:
ldlt:

10