art tyf C0fsf] sf/f]jf/ ug]{ ;xsf/L ;+:yf / art tyf

C0fsf] sf/f]jf/ ug]{ ax'p2]ZoLo ;xsf/L ;+:yfnfO{ ;DklQ

z'l4s/0f -dgL nfp08l/_ lgjf/0f ug]{ ;DaGwdf ljQLo
hfgsf/L OsfO{n] hf/L u/]sf] lgb]{zg
;xsf/L ;+:yfnfO{ hf/L u/]sf] lgb]{zg g+= !

g]kfn /fi6 a}+s

s]Gb|Lo sfof{no
ljQLo hfgsf/L OsfO{
@)^^, r}q
1

g]kfn /fi6 a}+s

ljQLo hfgsf/L OsfO{
;DklQ z'l4s/0f -dgL nfp08l/_ lgaf/0f P]g, @)^$ adf]lhd ljQLo hfgsf/L
OsfO{df ;DklQ z'l4s/0f tyf cftssf/L sfo{df ljQLo nufgL ug]{ h:tf ck/fwsf]
lgoGq0fsf] l;nl;ndf ;xsf/L P]g adf]lhd :yflkt eO{ art tyf C0fsf] sf/f]jf/ ug]{
;xsf/L ;+:yf / art tyf C0fsf] sf/f]jf/ ug]{ ax'p2]ZoLo ;xsf/L ;+:yfn] 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]z
{ g hf/L u/] sf] 5 .
efu !
u|fxs klxrfg, ;Ldf tyf z+sf:kb sf/f]jf/ / hf]lvd ;DjGwL Joj:yf
!=

@=

cfkm\gf] ;b:ou|fxssf] :ki6 klxrfg - Know Your Customer) sfod u/L ;f]sf]
ljj/0f /fVg' kg]{M +
!=! ;xsf/L ;+:yfn] s;}nfO{ ;b:o agfpFbf jf u|fxssf] vftf vf]Nbf, shf{
k|jfx ubf{ jf cGo s'g} cfly{s sf/f]jf/ ubf{ cg';l" r ! adf]lhd klxrfg
v'Ng] sfuhft tyf ljj/0f lnO{ ;f]sf] clen]v /fVg' kg]{5 .
!=@ ;xsf/L ;+:yfn] ljBdfg -k'/fgf_ ;b:ou|fxsx?sf] ;DaGwdf plNnlvt
P]g adf]lhd ljj/0fx? eP gePsf] x]/L gePsf] eP pgLx?sf] ljj/0fnfO{
of] lgb]{zg nfu" ePsf ldltn] Ps jif{ leq cBfjlws u/L u/fO{ /fVg'
kg]5
{ .
!=# ;xsf/L ;+:yfn] cfgf] k|To]s sfof{nozfvfdf ;b:ou|fxsn] ;xsf/L
;+:yfdf k]z ug'{ kg]{ ;j} sfuhftx? k|dfl0ft ug{sf] nflu s'g}
sd{rf/LnfO{ tf]sL To:tf sfuhftx? lghaf6 k|dfl0ft u/fO{ /fVg' kg]{5 .
:ki6Ls/0fM ;xsf/L ;+:yf eGgfn] ;xsf/L P]g, @)$* adf]lhd :yflkt eO{
art tyf C0fsf] sf/f]jf/ ug]{ ;xsf/L ;+:yf / art tyf C0fsf] sf/f]jf/ ug]{
ax'p2]ZoLo ;xsf/L ;+:yfnfO{ ;Demg' k5{ .
ljj/0f lbg' kg]{M
lgb]{zg g+= ! adf]lhd ;xsf/L ;+:yfn]] cfjZos ljj/0f dfUbf To:tf] ljj/0f
pknJw u/fpg] bfloTj ;DjlGwt ;b:ou|fxssf] x'g]5 . s'g} sf/0fj; To:tf]
ljj/0f glbg] jf lbg g;Sg] ;b:ou|fxs;Fu ;xsf/L ;+:yfn]] cfkm\ gf] sf/f]jf/ jf
Joj;flos ;DaGw /fVg tTsfn OGsf/ ug{ ;Sg]5 . s'g} sf/0fn] :yflkt ;DjGw
ug{ O{Gsf/ ug{ g;lsg] cj:yf ePdf To:tf ;b:ou|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

#=! ;xsf/L ;+:yfn] s'g} klg JolQm jf ;+:yfn] Ps k6s jf k6s k6s u/L
Ps lbgdf bz nfv ?k}ofF jf ;f] eGbf a9L /sdsf] s'g} klg dfWodaf6
hDdf jf e'QmfgLsf] sf/f]jf/ u/]df ;f] sf] ljj/0f cg';"lr@ adf]l hdsf]
9fFrfdf To:tf] sf/f]jf/ ePsf] ldltn] ;ft lbg leq ljQLo hfgsf/L
OsfOdf k]z ug'{ kg]{5 .
#=@ ;xsf/L ;+:yfdf hDdf -k|fKt_ x'g cfpg] bz nfv ?k}ofF ;Ldf eGbf
dfyLsf sf/f]jf/ /sdsf], vftf, jxL, >]:tf jf lx;fj ;~rfng ;DaGwL
5'} k|lqmofut ;+oGq tof/ ug'{ kg]{ 5 / To:tf] sf/f]jf/sf] >f]t ;d]t
;DalGwt u|fxsaf6 pNn]v ug{ nufO{ cWofjlws u/L /fVg' kg]{5 .
#=# tf]lsPsf] ;Ldfsf] jf ;f] eGbf a9L jf 36Lsf] sf/f]jf/ z+sf:kb b]lvPdf
z+sf:kb sf/f]jf/df ;d]t ;f] ljj/0f v'nfO{ k7fpg' kg]{5 .
;Ldf sf/f]jf/sf] ljj/0f k7fpg 5'6M
lgb]z
{ gsf] bkmf # df h'g;'s} s'/f n]lvPsf] eP tfklg b]xfosf ;/sf/L lgsfo,
;+:yf, sfof{no, jf JolQmsf] vftf dfkm{t eP u/]sf hDDffvr{ sf/f]jf/sf]
;"rgfljj/0f ;xsf/L ;+:yfn]] ljQLo hfgsf/L OsfO{df k7fpg' kg]{ 5}gM
-s_ g]kfn ;/sf/ jf g]kfn ;/sf/ cGtu{tsf] sfof{no jf lgsfo tyf
g]kfn ;/sf/sf] k"0f{ jf clwsf+z :jfldTj ePsf] s'g} klg
sfof{no, sDkgL, ;+3;+:yf jf lgsfon] u/]sf] sf/f]jf/,
-v_ ljz]if P]g cGtu{t :yflkt lgsfosf] sf/f]jf/,
o; v08sf] k|of]hgsf nflu ljz]if P]g cGtu{t :yflkt lgsfo
eGgfn] s'g} vf; lgsfo :yfkgf ug{ ag]sf] P]g cGt{ut :yflkt
lgsfo ;Demg' k5{ .
-u_ ;xsf/L ;+:yfn]] ;+:yfut ?kdf a}s
+ tyf ljQLo ;+:yf jf ;/sf/L
lgsfo;+u u/]sf] sf/f]jf/,
-3_ klAns lnld6]8 sDkgLn] cGo klAns sDkgL, ;/sf/L jf cw{
;/sf/L sfof{no, ;+3;+:yf, sDkgL jf lgsfo, ljz]if sfg"g
adf]lhd :yflkt lgsfo;+u u/]sf] sf/f]jf/,
-_ s'g} ;xsf/L ;+:yfn] k|rlnt sfg"g adf]lhd shf{ ;fk6L jf
;'lawf k|bfg u/]sf] sf/f]jf/,
-r_ s'g} ;xsf/L ;+:yfn] cfkm\ gf sd{rf/LnfO{ lbPsf] ;]jf ;'lawf
jfktsf] sf/]fjf/ .
z+sf:kb sf/f]jf/sf] ljj/0f k7fpg' kg]{]M
%=! ;xsf/L ;+:yfn] o;} lgb]{zgsf] efu @ df lbPsf] cfwf/ adf]lhdsf]
cj:yf /x] ePdf To:tf s'g} sf/f]jf/sf] ;"rgf cg';"lr # adf]lhdsf]
9fFrfdf ljQLo hfgsf/L OsfO{nfO{ tTsfn lbg' kg]{5 .
%=@ ;xsf/L ;+:yfn] z+sf:kb sf/f]jf/ egL ljQLo hfgsf/L OsfO{nfO{ lbPsf
hfgsf/Lsf] clen]v v8f u/L sfof{Gjog clws[tn] /fVg' kg]{5 .

%=#
^=

z+sf:kb sf/f]jf/sf] xsdf ljj/0f k7fpgsf nflu sf/f]jf/sf] s'g} ;Ldf

/xg] 5}g .
hf]lvdsf] jlu{s/0f
^=! ;xsf/L ;+:yfn] cfk\ mgf ;b:ou|fxs, sf/f]jf/sf] dfqf, k| sl[ t / 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]5
{ M
-s_
cToflws hf]lvd
-v_
hf]lvdo'Qm
-u_
;fdfGo hf]lvd
^=@ ;xsf/L ;+:yfn] b]xfo adf]lhdsf ;b:ou|fxs tyf sf/f]jf/nfO{
cToflws hf]lvd cGtu{t /fVg' kg]5
{ M
-!_ cft, cft+ssf/L ultljlw, cft+sjfbL ;+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] ;uF ;DalGwt / To:tf] sf/f]jf/,
-@_ /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/,
-#_ cfkm\ gf] lgofds jf lgl/If0f ug]{ lgsfo gePsf kmd{, sDkgL,
;+:yf jf lgsfo / To:tf] sf/f]jf/,
-$_ cfdg] ;dfg] geO{ x'g ;Sg] sf/f]jf/,
-%_ u}/ cfjfl;o ;b:ou|fxssf] sf/f]jf/,
-^_ ;DklQ z'l4s/0f / cftjfbL lqmofsnfk /f]Sg] ;DaGwdf cfjZos
dfkb08 gckgfPsf b]zsf gful/s jf cGosf] sf/f]jf/,
-&_ ;+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/,
-*_ ;DklQ z'l4s/0f / cGo ljQLo ck/fwdf ;+nUg ePsf] egL cfd
;+rf/ dfWoddf rrf{ kfPsf ;b:ou|fxsx?,
-(_ ;xsf/L ;+:yfsf] sfo{If]q leq x'g] u/]sf sfd sf/jfxL cflbsf
cfwf/df a9L ;+sf ug'{ kg]{ sf/f]jf/, ;b:ou|fxs jf ;+:yf,
-!)_ s'g} :yfoL ;+/rgf gePsf gfd dfqsf sDkgLx?,
-!!_ 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/,
-!@_ u}/ ljQLo ;+:yfx? h:t} Sofl;gf], 3/hUuf, ax'd'No kTy/ wft',
6feN; Ph]G;L jf lgodg gul/g] k]zfdf ;+nUg Joj;fo jf
Joj;foLsf sf/f]jf/,
-!#_ z+sf:kb sf/f]jf/ klxrfg ug{ ;lsg] cfwf/ dWo]sf sf/f]jf/,
4

&=

-!$_ ;xsf/L ;+:yf cfkm}n] pko'Qm 7fg]sf cGo sf/f]jf/ .

^=# ;xsf/L ;+:yfn] b]xfo adf]lhdsf ;b:ou|fxs / sf/f]jf/nfO{ hf]lvdo'Qm
u|fxs tyf sf/f]jf/nfO{ cGtu{t /fVg' kg]{5M
-!_ k|ljlwsf] b'?kof]uaf6 x'g ;Sg] sf/f]jf/
-@_ lgofds lgsfo gePsf kmd{, sDkgL, ;+:yf jf Joj;foLsf
sf/f]jf/,
-#_ cfkm\ gf] ljQLo cj:yf ;DaGwL ljj/0f lgoldt k|sfzg gug]{ jf
ug'{ gkg]{ kmd{, sDkgL, ;+:yf jf Joj;foLsf sf/f]jf/,
-$_ k|foM gubd} sf/f]jf/ x'g] Joj;fo tyf ;f]sf sf/f]jf/,
-%_ u}/ gfkmfd"ns :jb]zL tyf ljb]zL u}/ ;/sf/L ;+:yf tyf ;f];Fu
;DalGwt sf/f]jf/ .
-^_ ;xsf/L ;+:yf cfkm}n] pko'Qm 7fg]sf cGo sf/f]jf/ .
^=$ ;xsf/L ;+:yfn] b]xfo adf]lhdsf ;b:ou|fxs / sf/f]jf/nfO{ ;dfGo
hf]lvdo'Qm u|fxs tyf sf/f]jf/nfO{ cGtu{t /fVg' kg]{5M
ljj/0f ;fj{hlgs x'g]
-!_
-@_ lgodg, lg/LIf0f, ;'k/Lj]If0f ul/g],
-#_ cToflws hf]l vd jf hf]lvdo'Qm ;"lrdf kg]{ jf z+sf:kb sf/f]jf/
cGtu{t kg]{ afx]ssf cj:yfdf ljQLo hfgsf/L OsfO{n] ;Ldf
sf/f]jf/sf] ;"rgf lbg gkg]{ u/L tf]s]sf cGo ;b:ou|fxs, ;+:yf
jf ;f];Fu ;DalGwt sf/f]jf/ .
^=% ;xsf/L ;+:yfn] jlu{s[t sf/f]jf/sf] ;do ;dodf ;dLIff ug'{ kg]{ 5 /
lglxt hf]lvd cg';f/ ;"lrdf x]/km]/ ug{ ;lsg] 5 .
t/ cToflws hf]lvd ePsf sf/f]jf/sf] eg] k|To]s tLg tLg
dlxgfdf ;dLIff ug'{ kg]{5 .
hf]lvd Joj:yfkg / cfGtl/s lgb]{lzsfM
&=! ;xsf/L ;+:yfn] cToflws hf]lvd ePsf ;b:ou|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 ;xsf/L ;+:yfn] ;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+ s f: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]l{ zsfdf
;b:ou|fxssf] klxrfg ;DaGwL sfo{ljlw, ;b:ou|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
{ .
5

*=

(=

!)=

sfof{Gjog clws[tM
*=! ;xsf/L ;+:yfn]] cfk\mgf] s]Gb|Lo sfof{nodf Joj:yfksLo :t/sf] pRr
kbflwsf/LnfO{ sfof{Gjog clws[t tf]sL lghnfO{ ;DklQ z'l4s/0f -dgL
nfp08l/_ lgaf/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
sfo{ ug]{ u/L lghsf] gfd, 7]ufgf, ;Dks{ gDj/, Od]n nufotsf ljj/0f
ljQLo hfgsf/L OsfO{df k7fpg' kg]5
{ .
*=@ ;xsf/L ;+:yfn]] cfk\ mgf zfvf jf sfof{noaf6 pkbkmf -!_ adf]lhd
tf]lsPsf] sfof{Gjog clws[tnfO{ ljj/0f lbg cfjZostf cg';f/ zfvf jf
sfof{nosf] sd{rf/LnfO{ ;d]t lhDd]jf/L lbg' kg]{5 .
sfof{Gjog clws[tsf] bfloTjM
sfof{Gjog clws[tsf] bfloTj b]xfo adf]lhd x'g]5M
-s_ s;"/ lgoGq0f ug{ ;DklQ z'l4s/0f -dgL nfp08l/_ lgaf/0f P]g,
;f] cGtu{t hf/L ePsf lgod, lgb]{zg, cfb]z, kl/kq tyf ;Da4
cGo sfg"g adf]lhd ;xsf/L ;+:yfnfO{ tf]lsPsf] sfo{x? ug]{,
u/fpg],
-v_ ;DklQ z'l4s/0f -dgL nfp08l/_ lgaf/0f P]g tyf ;f] cGtu{t
hf/L ePsf lgod, lgb]{zg, cfb]z, kl/kq nufotsf sfg"gL
b:tfj]hdf pNn]v eP adf]lhd u|fxssf] klxrfg olsg ug]{,
u/fpg],
-u_ v08 -v_ adf]lhdsf] u|fxssf] klxrfgsf] clen]v b'?:t /fVg],
/fVg nufpg],
-3_ ;Ldf /sd eGbf dflysf] tyf z+sf:kb b]lvPsf sf/f]jf/sf]
clen]v b'?:t /fVg], /
-_ v08 -3_ adf]lhdsf sf/f]jf/sf] ljj/0f tf]lsPsf] ;dodf ljQLo
hfgsf/L OsfO{df k7fpg] .
;xsf/L ;+:yfsf] bfloTjM
!)=! ;xsf/L ;+:yfn] ljQLo hfgsf/L OsfO{nfO{ k|bfg ug]{ ljj/0fsf ;DaGwdf
sfof{Gjog clws[tnfO{ ;j} lsl;dsf ;"rgf k|fKt ug]{ / k|bfg ug{ ;Sg]
clwsf/ ;'lglZrt u/L ;f]sf nflu cfjZos Joj:yf ug'{ kg]{]5 .
!)=@ ;DklQ z'l4s/0f -dgL nfp08l/_ lgaf/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 ldnfpg] lhDd]jf/L ;DalGwt ;xsf/L ;+:yfsf] x'g]5 .
!)=# ;xsf/L ;+:yfdf ;DklQ z'l4s/0f -dgL nfp08l/_ lgjf/0f P]g / ;f]
cGtu{t ag]sf lgod, lgb]{zg, cfb]z jf gLltsf] sfof{Gjog eP gePsf]
s'/fsf] k|To]s tLg dlxgf / cfly{s aif{ ;dfKt ePsf] tLg dlxgfdf
cg'udg u/L To:tf] cg'udgsf] k|ltj]bg ljQLo hfgsf/L OsfO{df k]z

ug]{ lhDd]jf/L ;f] ;+:yf k|d'vsf] x'g]5 / o;;Fu ;DalGwt ;+lIfKt ljj/0f
To:tf] ;+:yf jf sfof{nosf] jflif{s k|ltj]bgdf ;d]t pNn]v ug'{ kg]{5 .
!!= ljj/0f k7fpg] k4ltM
!!=! ;xsf/L ;+:yfn] 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 sfof{Gjog clws[t
dfkm{t k]z ug'{ kg]5
{ .
!!=@ sfof{Gjog clws[tn] 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{dn
] h:t f 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 ;xsf/L
;+:yfn] ;f]sf] hfgsf/L ljQLo hfgsf/L OsfO{nfO{ t'?Gt lbg' kg]{5 .
!@= cfGtl/s lgb]{lzsfM
!@=! ;DklQ ;'l4s/0f -dgL nfp08l/_ lgjf/0f P]g, lgod tyf o; lgb]{zgsf]
cwLgdf /xL ;xsf/L ;+:yfn] ;DklQ z'l4s/0f lgjf/0f ;DaGwdf cfjZos
lgb]{lzsf agfO{ nfu" u/L ;f]sf] k|ltlnkL ;lxtsf] hfgsf/L ljQLo
hfgsf/L OsfO{nfO{ k7fpg' kg]{5 . o:tf] lgb]{lzsfdf cfgf] u|fxssf]
klxrfg ;DaGwL sfo{ljlw, u|fxs :jLsf/ k|lqmof, u|fxssf] kl/ro ug]{
k|lqmof, u|fxssf] sf/f]jf/sf] cg'udg k|lqmof / hf]lvd Joj:yfkg k|lqmof
h:tf ljifo ;d]t pNn]v x'g' kg]5
{ .
!@=@ ;xsf/L ;+:yfn] u|fxs klxrfgsf ;DaGwdf cfkm\ gf] Joj;fo;Fu ;DalGwt
cGt/f{li6o ;+3;+:yfn] to u/]sf dfu{ lgb]{zgx? ;d]t k|of]u ug{
;Sg]5g\ / o;/L to u/]sf dfu{ lgb]{zgx? nfu" ubf{ ;f]sf] hfgsf/L tyf
dfu{ lgb]{zgsf] Ps k|lt ljQLo hfgsf/L OsfO{nfO{ pknAw u/fpg'
kg]5
{ .
!#= hfgsf/L tyf tflndM
;xsf/L ;+:yfn] ;DklQ z'l4s/0f tyf cftsf/L ultljwLdf x'g] nufgL
lgoGq0f ug{ cfjZos kg]{ ;Dk"0f{ s'/fx?sf] cfGtl/s Joj:yfkg ug]{ tyf
;f] sfo{sf nflu cfk\ mgf sd{rf/Lx?nfO{ cfjZos tflnd Pj+ hfgsf/Lsf]
Joj:yf ug'{ 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? u/] gu/]sf] ;DjGwdf ;do ;dodf cg'udg ug{ u/fpg
;Sg]5 .

!%=

!^=

!$=@ pkbkmf ! adf]lhd cg'udg ubf{ u/fpbf cfjZos ;Dk"0f{ ;xof]u ug'{
u/fpg' ;DjlGwt ;xsf/L ;+:yfsf] st{Ao x'g]5 .
uf]Kotf e ug{ gx'gM]
;xsf/L ;+:yf jf ;f]sf] s'g} klg sd{rf/L, kbflwsf/L jf k|ltlglwn] ljQLo
hfgsf/L OsfO{nfO{ k|bfg u/]sf] ;"rgf, hfgsf/L, cg';Gwfg tyf
txlssftsf]] l;nl;nfdf jf cfgf] st{Jo kfng ubf{ 1ft x'g cfPsf] s'g}
klg tYo jf bflvnf ePsf] s'g} lnvtsf] uf]Kotf k|rlnt sfg"gn] afWo
u/]sf] cj:yfdf afx]s cGo cj:yfdf e ug{ jf u|fxs nufot cGo
sf]xL s;}nfO{ s'g} klg tl/sfaf6 hfgsf/L lbg' x'b}g .
hl/jfgf / sf/jfxL]M
!^=! ;DklQ z'l4s/0f -dlg nfpG8l/_ lgjf/0f P]g tyf ;f] cGtu{t hf/L
ePsf] lgod, ljlgod, lgb]{zg jf cfb]z adf]lhd tf]lsPsf] ;dodf
hfgsf/L ljQLo hfgsf/L OsfO{nfO{ pknAw gu/fpg] ;xsf/L ;+:yfnfO{
pQm P]g adf]lhd ljQLo hfgsf/L OsfO{n] hl/afgf ug{ ;Sg]5 .
!^=@ ;DklQ z'l4s/0f -dgL nfp08/L_ lgjf/0f P]g tyf ;f] cGtu{t hf/L
lgod, ljlgod, lgb]z
{ g jf cfb]zsf] pNn+3g ug]n
{ fO{ ;DklQ z'l4s/0f
-dgL nfp08/L_ lgjf/0f P]g, @)^$ adf]lhd sf/jfxL x'g5
] .
efu @
z+sf:kb sf/f]jf/ klxrfg ug]{ cwf/x? tyf sf/f]jf/sf] k|s[lt

!&=

;"rgf lbg' kg]{ sfd sf/f]jf/sf] k|s[ltM

;DklQ z'l4s/0f -dgL nfp08l/_ lgaf/0f P]g, @)^$, ;DklQ z'l4s/0f -dgL
nfp08l/_ lgaf/0f lgodfjnL, @)^^ tyf o; lgb]{zg adf]lhd ;xsf/L ;+:yfn]
cfk\mgf ;b:ou|fxs;Fu ;DalGwt sfd sf/f]jf/sf] l;nl;nfdf s'g} klg :jb]zL
jf ljb]zL gful/s, ;b:ou|fxs, kmd{, sDkgL, ;+:yf jf lgsfon] ;DklQ
z'l4s/0f, cftssf/L sfo{ jf ;Da4 cGo s;"/hGo s'g} klg sfo{x? 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+ s f: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"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 ;fwg h'g;'s}
pkfo jf dfWodaf6 :yfgfGt/0f, cf];f/ k;f/ jf To:tf] k|sl[ tsf] s'g} sfo{
u/] u/fP jf ug{ nufPdf,
!&=@ 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]]
8

!*=

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] ;|ft] 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]z
{ g 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/_ lgaf/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;"/ jf ck/fw;Fu ;DalGwt ;b:ou|fxssf] /sd, ;DklQ cGo
;b:ou|fxssf] ef]u, :jfldTj, k|of]u, k|rngdf uPsf], k7fPsf], k|fKt
u/]sf] jf To:tf] ug]{ k|of; u/] u/fPsf]df 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 ;b:ou|fxs jf ;+:yfsf] klxrfg
;DaGwL ljj/0f eP u/]df .
cftsf/Lsf] klxrfg, sf/f]jf/df lgoGq0f / ;"rgf
!*=! ;xsf/L ;+:yfn] ;+o'Qm /fi6 ;+3, ;'/Iff kl/ifb\ sf] lg0f{o g+= !@^& tyf
;f];Fu ;DalGwt cft+ssf/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 s'g} klg sfd sf/f]jf/ ug{' u/fpg x'b}g .
!*=@ v08 %=! adf]lhdsf] s'g} sfd sf/f]jf/ ;xsf/L ;+:yfdf /x]] ePsf]
kfOPdf jf yfxf kfPdf tTsfn /f]Ssf u/L 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
{ .
!*=# ;xsf/L ;+:yfn] v08 %=! adf]lhdsf ;+:yf, ;d"x jf ;b:ou|fxs
;DaGwL
hfgsf/L
;+o'Qm
/fi6
;+3sf]
j]e
;fO6
http://www.un.org/sc/committees/1267/pdf/consolidatedlist.pdf

af6 k|fKt u/L ;f]sf] klxrfg / lgoGq0f ug]{ cfjZos ;+oGq tTsfn lgdf{0f
ug'{ kg]{ 5 .
!*=$ ;xsf/L ;+:yfn] ;fs{, o'/f]lkog o'lgog nufot ljZjsf ljleGg
cGt/;/sf/L, cGt/f{li6o jf If]qLo ;+3;+:yfn] cft+ssf/Lsf ?kdf
;"lrs[t u/]sf s'g} klg ;+:yf, ;d"x jf JolQm / To:tf sfo{;uF ;Da4 s'g}
klg ;+:yf, ;d"x jf JolQm;Fu s'g} klg sfd sf/f]jf/ ug{' u/fpg x'b}g / ;f]
9

adf]lhdsf] s'g} sfd sf/f]jf/ ;xsf/L ;+:yfdf /x]] ePsf] kfOPdf jf yfxf
kfPdf tTsfn /f]Ssf u/L 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 .
!*=% g]kfnsf] k|rlnt sfg"g jf sfg"gL Joj:yfn] cGoyf u/]sf]df afx]s ;xsf/L
;+:yfn] ljleGg d'n'sn] cft+ssf/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;Fu s'g} klg sfd sf/f]jf/ ug{' u/fpg x'b}g / ;f] adf]lhdsf] s'g}
sfd sf/f]jf/ ;xsf/L ;+:yfdf /x]] ePsf] kfOPdf jf 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 .
!*=^ b]xfo adf]lhdsf cGt/f{li6o dxf;GwL, ;GwL, ;Demf}tf adf]lhd u/]sf] s'g}
klg s;"/nfO{ z+sf:kb sf/f]jf/ cGtu{t /fvL ljQLo hfgsf/L OsfO{nfO{
tTsfn ;"rgf lbg' kg]{ 5 .
-!_ ;g\ !(^# df ;DkGg jfo'ofgleq ePsf s;"/ tyf cGo s]xL sfo{
;DaGwL 6f]lsof] dxf;lGw -6f]lsof] sGe]G;g cg ck]mG;]h P08
;6]g{ cb/ PS6\ ; sld6]8 cg jf]8{ Pc/qmf6_
-@_ ;g\ !(&) df x]udf ;DkGg ePsf] jfo'ofgsf] u}/ sfg"gL sAhfsf]
bdg ;DaGwL dxf;lGw -sGe]G;g km/ b ;k|]zg ckm cgnk"mn
l;h/ ckm Pc/qmf6_
-#_ ;g\ !(&! df dlG6ondf ;DkGg ePsf] u}/ ;}lgs xjfO{ p8fgsf]
;'/Iffsf] lj?4 ul/g] u}/ sfg"gL sf/afxLsf] bdg ;DaGwL dxf;lGw
-sGe]G;g km/ b ;k|]zg ckm cgnk"mn Ps6\; Pu]G:6 b ;]6L
ckm l;len PlePzg_
-$_ ;g\ !(&# df ;DkGg ePsf] s"6g}lts k|ltlglw nufot cGt/f{li6o
?kdf ;+/lIft ;b:ou|fxsx? lj?4sf] ck/fw lgjf/0f tyf ;hfo
;DaGwL dxf;lGw -sGe]G;g cg b lk|eG] ;g P08 klgZd]06 ckm
qmfOd Pu]G:6 O06/g]zgNnL k|f]6]S6]8 k;{G; OGSn"l8 l8Knf]Dofl6s
Ph]06\;_
-%_ ;g\ !(&( df ;DkGg z/L/ aGws lng] lj?4sf] dxf;lGw OG6/g]zgn sGe]G;g Pu]G:6 b 6]ls ckm xf]:6]h]h_
-^_ ;g\ !(*& df ;DkGg cftjfbsf] bdg ;DaGwL ;fs{ If]qLo
dxf;lGw -;fs{ l/hgn sGe]G;g cg ;k|]zg ckm 6]/f]l/Hd_
-&_ nfu"cf}ifw tyf dgf]l2ks kbfy{sf] u}/ sfg"gL cf];f/ k;f/ /
a]rlavg lj?4 ;+o'Qm /fi6 ;+3Lo dxf;GwL, !(** -o'= Pg=
sGe]G;g cu]Gi6 Olnl;6 6flkms Og gf/sf]l6s 8u;\ P08
;fOsf]6l ks ;A:6fG;] ;\, !(**_

10

-*_

cftafbL sfo{df ljQLo nufgL bdg ;DaGwL ;+o'Qm /fi6 ;+3Lo

dxf;GwL, !((( -o'= Pg= sGe]G;g km/ b ;k|]zg ckm b
kmfOgflG;\ ckm 6]/f]l/hd_
-(_ ax'b]lzo ;+ul7t ck/fw ;DaGwL ;+o'Qm /fi6 ;+3Lo dxf;GwL,
@))) -o'= Pg= sGe]G;g cu]Gi6 6fG;g]zgn cu{gfOH8 qmfOd_
-!)_ e|i6frf/ lj?4 ;+o'Qm /fi6 ;+3Lo dxf;GwL, @))# -o'= Pg=
sGe]G;g cu]Gi6 s/K;g_
-!!_ ;+o'Qm /fi6 ;+3, ;'/Iff kl/ifbsf] lg0f{ o g+ !@^& tyf ;f];Fu
;DalGwt cGo lg0f{o
-!@_ cftjfbL jf cGo cfk/flws sfd sf/afxLsf] lj?4 g]kfn kIf
ePsf] cGo s'g} dxf;lGw, ;GwL, ;Demf}tf
-!#_ ;b:ou|fxssf] ;fdfGo cfly{s cj:yfn] ug{ ;+ej gb]lvg]
lsl;dsf s'g} klg sf/f]jf/,
-!$_ cfkm"nfO{{ pknAw u/fO{Psf] ljj/0f;Fu d]n gvfg] k|s[ltsf]
sf/f]jf/,
-!%_ s'g} Jofkf/ jf Joj;fosf] qmddf ;fdfGo ?kn] ;+ej gx'g] vfnsf]
jf c:jefljs k|sl[ tsf] s'g} klg sf/f]jf/,
-!^_ s'g} ;b:ou|fxssf] cfly{s jf Joj;flos sf/f]jf/df cfPsf]
c;fdfGo a[l4 jf kl/jt{g,
-!&_ cfo >f]t gv'n]sf] jf gv'nfPsf] jf >f]tsf] af/]df lrQa'bf]
ljj/0f k|fKt gePsf] cj:yfsf]] sf/f]jf/,
-!*_ pko'Qm klxrfg -CDD_ k|lqmof k"/f gug]{ jf ug{ g;Sg]
;b:ou|fxs;Fusf] sf/f]jf/,
-!(_ s'g} klg lsl;dsf cft+ssf/L ultljlw, cft+sjfbL ;+u7g jf s'g}
klg cfk/flws sfo{nfO{ k|ToIf jf ck|ToIf ?kdf ;xof]u k'ofpg]
b]lvPsf] sf/f]jf/,
-@)_ g]kfn ;/sf/n] cft+sjfbL jf cfk/flws ultljlwdf ;+ nUg elg
tf]lslbPsf JolQm jf ;+:yf, jf cGt/f{li6o ?kdf ;+o'Qm /fi6 ;+3n]
laleGg k|:tfj dfkm{t cft+sjfbL jf ck/flwsf] ;"rLdf /fv]sf
JolQm jf ;+:yfsf] sf/f]jf/,
-@!_ cft+ssf/L ultljlwdf ;+nUg JolQm, ;+u7g jf cfk/flws
sfo{x?;Fu k|ToIf jf ck|ToIf ?kdf ;DalGwt x'g ;Sg] sf/f]jf/ jf
;f];u+ ;DalGwt cGo s'g} klg JolQmsf] sf/f]jf/,
-@@_ s'g} klg lsl;dn] ;+sf:kb b]lvg] sf/f]jf/ jf ;DklQ zl'4s/0f ug]{
p2]Zon] jf cft+ssf/L jf cfk/flws ultljlwnfO{ k|f]T;fxg ug]{
u/L u/]sf] jf ePsf] b]lvg] jf z+sf nfUg] sf/f]jf/,
-@#_ s'g} klg lx;fjn] c:jfefljs jf z+sf:kb b]lvg] sf/f]jf/,
-@$_ ;+sf:kb sf/f]jf/ ug{ k|of; ug]{ JolQm tyf ;+:yfsf] sf/f]jf/ .

11

!(=

;+sf:kb ;"rgf lbg ;xof]u k'Ug] ;+efljt cfwf/M

;xsf/L ;+:yf;Fu g]kfnL jf ljb]zL ;b:ou|fxsn] u/]sf jf ug{ vf]h] sf sfd
sf/f]jf/sf] l;nl;nfdf b]xfo adf]lhdsf sfo{ u/]sf], ug{ u/fpg nfu]sf] jf
To:tf] cf;+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] cfzsf nfu]df jf To:tf] cj:yf
dxz'; ePdf jf hfgsf/L x'g cfPdf pQm kl/l:ylt / cj:yfnfO{ tTsfn
z+ s f:kb laifosf] ;"rgf lbg] cfwf/ dfGg ;lsg] 5MM
-!_ 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],
-@_ 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],
-#_ dgfl;j dflkmssf] sf/0f g} geO{ crfgs cfly{s j[l4 jf x}l;ot
a9]sf] b]lvPsf],
-$_ 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,
lgdf{0f, 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],
-%_ cfo >f]t gv'n]sf] jf gv'nfPsf] jf >f]tsf] af/] df lrQa'bf]
ljj/0f k|fKt gePsf]],
-^_ dgfl;j dflkmssf] sf/0f g} geO jf k|ToIf ?kdf ;DalGwt
gePsf] jf ljgf p2]Zosf] b]lvPsf]],
-&_ sfd sf/f]jf/sf] l;nnlnfdf 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]
-*_ 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],
-(_ 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 ul//x]sf] jf To:tf lgsfoaf6 vf]hL e}/x]sfx?;Fu sfd
sf/f]jf/ ;DalGwt /x]sf],
-!)_ g]kfn /fi6 a}+s, aLdf ;ldlt, lwtf]kq jf]8{, :6s PS;r]Gh, sDkgL
/lhi6f/, ;xsf/L ljefu, af/ sfplG;n, rf68{ PsfpG6]G6
Pzf]l;P;g nufotsf cGo lgodgsf/L lgsfon] sf/jfxL z'?
u/]sf] jf sf/jfxL u/]sfx?;Fu ;DalGwt /x]sf] sfd sf/f]jf/df
;xsf/L ;+:yfnfO{ klg z+sf nfu]sf],
12

-!!_

shf{ ;"rgf s]Gb| jf cfkm"n] s'g} sfnf] ;" l r jf hf]lvdsf] ;"rLdf

/fv] sf;Fu ;Da4 /x]sf] b]lvO{ ;f]df z+sf nfu]sf],
-!@_ ljb]zL ck/fw cg';Gwfg ug]{ jf lgodg ug]{ lgsfo jf ;/sf/n]
5fgljg, cg';Gwfg txlssft jf sf/jfxL ul//x]sf
;b:ou|fxsx?;Fu ;DalGwt /x]sf] a'lemg jf yfxf x'g cfPsf],
-!#_ afnaflnsf, dlxnf jf cgfy nufot cGo s'g} klg
;b:ou|fxssf] s'g} klg k|sf/n] x'g] of}g zf]if0f, b'Jo{jxf/ h:tf]
s;"/ u/L ;DklQ k|fKt u/]sf],
-!$_ ha/h:tL tl/sfn] /sd, rGbf jf s'g} klg k|sf/sf] ;DklQ jf
cGo j:t' jf ;xof]u lng], lbg], lbg afWo ug]{ jf ha/h:tL
c;'nL h:tf s;"/ u/L ;DklQ k|fKt u/]sf],
-!%_ s'g} klg j:t'sf] t:s/L, cj}w k]zf, Jofkf/, Joj;fo, rf]/L, 8s}lt,
gSsnL jf cj}w pTkfbg, ckrng jf cj}w cf];f/ k;f/ s;"/
u/L ;DklQ k|fKt u/]sf],
-!^_ xftxltof/ v/vhfgf ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/ u/L
;DklQ k|fKt u/]sf],
-!&_ ljb]zL ljlgdo lgoldt ug]{ ;DaGwL k|rlnt sfg"g cGtu{tsf]
s;"/ u/L ;DklQ k|fKt u/]sf],
-!*_ Hofg, rf]/L, 7uL, lst]{ sfuh, vf]6f rng, ckx/0f jf z/L/ aGws
;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/ u/L ;DklQ k|fKt u/]sf],
-!(_ nfu" cf}ifw lgoGq0f ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/ u/L
;DklQ k|fKt u/]sf],
-@)_ /fli6o lgs'~h tyf jGo hGt' :+f/If0f ;DaGwL k|rlnt sfg"g
cGtu{tsf] s;"/ u/L ;DklQ k|fKt u/]sf],
-@!_ dfgj a]rlavg tyf cf];f/ k;f/ lgoGq0f ;DaGwL k|rlnt sfg"g
cGtu{tsf] s;"/ u/L ;DklQ k|fKt u/]sf],
-@@_ ;xsf/L ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/ u/L u/L ;DklQ
k|fKt u/]sf],
-@#_ jg ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/ u/L ;DklQ k|fKt
u/]sf],
-@$_ e|i6frf/ lgjf/0f ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/ u/L
;DklQ k|fKt u/]sf],
-@%_ a} tyf ljQLo ;+:yf ;DaGwL k|rlnt sfg"g cGtu{t s;"/ u/L
;DklQ k|fKt u/]sf],
-@^_ a}l s;"/ tyf ;hfo ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/
u/L ;DklQ k|fKt u/]sf],
-@&_ k|frLg :df/s ;+/If0f ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/ u/L
;DklQ k|fKt u/]sf],

13

-@*_ pkef]Qmf ;+/If0f, sfnf]ahf/ lgoGq0f, k|ltikwf{ ;DaGwL k|rlnt

sfg"g cGtu{tsf] s;"/ u/L ;DklQ k|fKt u/]sf],
-@(_ sDkgL, jfl0fHo, cfk"lt{, oftfoft Joj;fo ;DaGwL k|rlnt sfg"g
cGtu{tsf] s;"/ u/L ;DklQ k|fKt u/]sf],
-#)_ lzIff, :jf:Yo, cf}ifwL, jftfj/0f ;DaGwL k|rlnt sfg"g cGtu{tsf]
s;"/ u/L ;DklQ k|fKt u/]sf],
-#!_ j}bl] zs /f]huf/ ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/ u/L
;DklQ k|fKt u/]sf],
-#@_ lrf, h'jf, rGbf ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/ u/L
;DklQ k|fKt u/]sf],
-##_ leqL sf/f]jf/, em'6f] sf/f]jf/ jf lwtf]kq, aLdf ;DaGwL k|rlnt
sfg"g cGtu{tsf] s;"/ u/L ;DklQ k|fKt u/]sf],
-#$_ ljlgd]o clwsf/kq ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/ u/L
;DklQ k|fKt u/]sf],
-#%_ lgjf{rg ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/ u/L u/L ;DklQ
k|fKt u/]sf],
-#^_ jf}l4s tyf cf}Bf]lus ;DklQ ;DaGwL k|rlnt sfg"g cGtu{tsf]
s;"/ u/L ;DklQ k|fKt u/]sf],
-#&_ ;+rf/, k|zf/0f, lj1fkg ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/
u/L ;DklQ k|fKt u/]sf],
-#*_ hUuf 3/, ;DklQ ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/ u/L
;DklQ k|fKt u/]sf],
-#(_ eG;f/, /fh:j, s/ ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/ u/L
;DklQ k|fKt u/]sf],
-$)_ cWofudg, gful/stf, /fxbfgL ;DaGwL k|rlnt sfg"g cGtu{tsf]
s;"/ u/L ;DklQ k|fKt u/]sf],
-$!_ ;+3 ;+:yf ;DaGwL k|rlnt sfg"g cGtu{tsf] s;"/ u/L ;DklQ
k|fKt u/]sf],
-$@_ cfk|jf;L a]rljvg, ckx/0f, aGws h:tf] s;"/ u/L ;DklQ k|fKt
u/]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, cft+ssf/L ultljlw, cft+sjfbL ;+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|i] f0fsf cfwf/df
x]bf{ ;"rgf ug'{ kg]{ k|s[ltsf] b]lvPsf],
14

-$%_ ;+sf:kb sf/f]jf/ ug{ k|of; ug];

{ uF ;DalGwt /x]sf] jf s'g} klg
lsl;dn] ;+sf:kb, ;DklQ zl'4s/0f, cft+ssf/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],
-$^_ lagf sf/0f af/Daf/ lks cfj/ jf le8ef8df dfq sfd sf/f]jf/
ug{ cfpg] b]lvPsf],
-$&_ sfd u/fpg' kg]{ sd{rf/L;Fu cg'lrt jf c:jefljs glhssf]
;DaGw /fVg vf]lhPsf],
-$*_ Ps eGbf a9L c;DalGwt ;b:ou|fxssf] ;dfg 7]ufgf ePsf],
-$(_ gub afx]ssf pks/0faf6 sfd sf/f]jf/ ug'{ kg]{ cj:yfdf klg
gubd} sfd sf/f]jf/ ug{ vf]h]sf], lglZrt /sd eGbf dfly gubdf
sfd sf/f]jf/ ug]{ g;lsg] egL tf]lsPsf] ;Ldf eP ;f]df gkfg{
tyf 5Ng 6'qmf 6'qmf u/L gubdf sf/f]jf/ u/]df jf s'g} ;+:yf,
JolQm jf sf/f]jf/ dfqfsf] cfwf/df gubd} sf/f]jf/ ug'{ kg]{
gb]lvP tfklg gubdf sf/f]jf/ ug]{ u/]sf]] kfPdf
-%)_ cg'dlt lng' kg]{df glnO{ jf gljs/0f ug'{ kg]{df gu/L sf/f]jf/
u/]sf] jf ug{ vf]h]sf],
-%!_ k|rlnt sfg"g adf]lhd lgodgsf/L jf tfn's lgsfon] cGo
cfwf/ lbPsf],
-%@_ s'g} kmd{, sDkgL, ;+:yf jf lgsfo;Fu ;DalGwt ;b:ou|fxssf]
cfly{s x}l;ot sfd sf/f]jf/sf] l;nl;ndf c:jefljs jf
ckTofl/nf] b]lvPdf,
-%#_ s;}n] cfkm\ gf] sfd sf/f]jf/ n'sfpg cfkm" afx]s cGo JolQmsf]
gfddf sfd sf/f]jf/ u/]df ug{ vf]hs
] f] b]lvPdf,
-%$_ s'g} ;xsf/L ;+:yf, kmd{, sDkgL jf lgsfon] ;+:yfut sfd
sf/f]jf/ ubf{ JolQmut gfddf n]gb]g, /lhi6zg jf sf/f]jf/ ubf{,
-%%_
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] .

15

cg';r
" L !
;b:ou|fxs kl/ro ;DaGwL k|lqmof
!=

;xsf/L ;+:yfn] sf/f]jf/sf] ;Gbe{df ;b:ou|fxssf] k|s[lt x]/L b]xfo adf]lhdsf]

;"rgf tyf sfuhftx? lng' kg]{5 . ;fy}, cfjZos k/]df u|fxs;Fu JolQmut
cGt/jftf{ ;d]t lng' kg]{5 .
-s_ JolQmut vftf
:ki6 gfd, y/
(1)
lktf jf kltsf] gfd
(2)
:yfoL 7]ufgf -7]ufgf k|dfl0ft ug]{ cfjZos sfuhft
(3)
x'g'kg]{, To:tf sfuhftx?df gful/stfsf] k|df0fkq,
/fxbfgL, kfgL tyf lah'nLsf] lan, cfjZos k/]df
;DalGwt sd{rf/Ln] :ynut e|d0f u/L tof/ u/]sf]
gS;f, dtbftf kl/rokq, nfnk"hf{, cflb _
(4)
c:yfoL 7]ufgf
hGd ldlt
(5)
6]lnkmf]g gDa/ -ePdf pNn]v ug]_{
(6)
(7)
gful/stfkf;kf]6{ -gDa/ / ljj/0f ;d]t_
g]kfn ;/sf/ jf g]kfn ;/sf/sf] :jfldTj ePsf]
(8)
;+:yfdf sfd ug]{ sd{rf/L eP kl/rokqsf] 5jL lrq
kmf]6f]
(9)
:yfoL n]vf gDj/ lnPsf] eP ;f] gDj/
(10)
cGo cfjzos sfuhftx? -;+:yf :jo+n] tf]Sg ;Sg]_
(11)
-v_ ;fem]bf/L jf JolQmut kmd{sf] vftf
kmd{sf] gfd
(1)
7]ufgf
(2)
6]lnkmf]gdf]jfOn gDa/ -ePdf pNn]v ug]{_
(3)
;fem]bf/ ;a}sf] gfd / tLgsf] 7]ufgf -kmf]g g+= ;lxt_
(4)
;fem]bf/sf] kmf]6f]
(5)
kmd{ /lhi6]zgsf] k|df0fkq
(6)
kmd{sf ;fem]bf/ jLr ePsf] sa'lnotgfdf
(7)
;fem]bf/ kmd{ eP cfly{s tyf k|zf;lgs sf/f]jf/ ug]{
(8)
;DaGwdf lbPsf] clVtof/gfdf
:yfoL n]vf gDj/
(9)
cGo cfjZos sfuhftx? -;+:yf :jo+n] tf]Sg ;Sg]_
(10)
-u_ sDkgLsf] vftf
(1)
sDkgLsf] gfd
s]Gb|Lo sfof{no /x]sf] :yfg
(2)
16

k'/f 7]ufgf -6]lnkmf]g, ofS; ;d]t_

;+:yfkgf / u7g ;DaGwL k|df0fkq tyf sDkgLsf]
(4)
k|aGwkq / lgodfjnL
;~rfns ;ldltsf ;b:ox?sf] gfd / 7]ufgf -ePdf kmf]g
(5)
gDa/ ;d]t pNn]v ug]{_
;~rfns ;ldltsf ;b:ox?sf] kmf]6f]
(6)
vftf vf]Ng] / vftf ;~rfng ug]{ ;DaGwdf ;~rfns
(7)
;ldltn] u/]sf] lg0f{o / clVtof/L
;~rfns ;ldltn] sfo{sf/L k|dv
' / cGo clws[t
(8)
sd{rf/LnfO{ cfly{s sf/f]jf/sf] ;DaGwdf k|bfg u/]sf]
clVtof/L
:yfoL n]vf gDj/
(9)
cGo cfjZos sfuhftx? -;+:yf :jo+n] tf]Sg ;Sg]_
(10)
Snau}/;/sf/L ;+3;+:yfsf] vftf
Sna tyf u}/;/sf/L ;+3 ;+:yfsf] gfd
(1)
(2)
7]ufgf
;+:yf btf{ k|df0fkq
(3)
ljwfg
(4)
(5)
sfo{ ;ldltsf] kbflwsf/Lx?sf] gfd / 7]ufgf
6]lnkmf]g gDa/
(6)
vftf vf]Ng] ;DaGwL sfo{ ;ldltsf] lg0f{o
(7)
Sna jf u}/;/sf/L ;+:yfsf] ;+rfnssfo{sf/L ;ldltsf
(8)
kbflwsf/Lx?sf] kmf]6f]
vftf ;~rfng tyf cfly{s sf/f]jf/ ;DaGwL clVtof/L
(9)
:yfoL n]vf gDj/
(10)
cGo cfjZos sfuhftx? -;+:yf :jo+n] tf]Sg ;Sg]_
(11)
;xsf/L ;+:yfsf] vftf
;+:yfsf] gfd
(1)
7]ufgf
(2)
kmf]g g+= -ePdf pNn]v ug]_{
(3)
;+:yfsf] ljlgod
(4)
;~rfns ;ldltsf ;b:ox?sf] gfd / 7]ufgf -ePdf kmf]g
(5)
gDa/ ;d]t pNn]v ug]_{
;~rfns ;ldltsf ;b:ox?sf] kmf]6f]
(6)
;+:yf btf{ ;DaGwL k|df0fkq
(7)
vftf vf]Ng] ;DaGwL af]8{sf] lg0f{o / cfly{s sf/f]jf/ ug]{
(8)
;DaGwL clVtof/L
(9)
:yfoL n]vf gDj/
cGo cfjZos sfuhftx? -;+:yf :jo+n] tf]Sg ;Sg]_
(10)
(3)

-3_

-_

17

-r_

-5_

;fj{hlgs u'7L jf lghL u'7Lsf] vftf

gfd
(1)
7]ufgf
(2)
kmf]g g+= -ePdf pNn]v ug]_{
(3)
ljwfg
(4)
u'7L :yfkgf ;DaGwL ePsf] sa'lnotgfdf
(5)
u'7L ;+rfnssf] gfd / 7]ufgf
(6)
u'7L ;+rfnssf] kmf]6f]
(7)
u'7L :yfkgf ;DaGwL k|df0fkq
(8)
;~rfnsJoj:yfkg ;ldltsf ;b:ox?sf] gfd / 7]ufgf
(9)
vftf vf]Ng] ;DaGwL ;~rfnsJoj:yfkg ;ldltsf] lg0f{o
(10)
/ cfly{s sf/f]jf/ ;DaGwL clVtof/L
cGo cfjZos sfuhftx? -;+:yf :jo+n] tf]Sg ;Sg]_
(11)
:s"n jf SofDk;sf] vftf
:s"n jf SofDk;sf] gfd
(1)
(2)
7]ufgf
k|aGwkq / lgodfjnL
(3)
;+:yf :jLs[ltsf] k|df0fkq
(4)
(5)
:s"n jf SofDk;sf] k|d'v kbflwsf/Lsf] gfd, y/, 7]ufgf,
kmf]g g+= / kmf]6f]
;~rfnsJoj:yfkg ;ldltsf ;b:ox?sf] gfd / 7]ufgf (6)
ePdf kmf]g gDa/ ;d]t pNn]v ug]_{
;~rfnsJoj:yfkg ;ldltsf vftf vf]Ng] ;DaGwL u/]sf]
(7)
lg0f{o / cfly{s sf/f]jf/ ;DaGwL lbPsf] clVtof/L
:yfoL n] vf gDj/ lnPsf] eP ;f] gDj/
(8)
cGo cfjZos sfuhftx? -;+:yf :jo+n] tf]Sg ;Sg]_
(9)

18

cg';"lr @
;xsf/L ;+:yfn] ;Ldf eGbf a9L sf/f]jf/sf] ljj/0f k7fpg] 9fFrf
;xsf/L ;+:yfsf] gfd :
qm=
;+=

vftfjfn ;b:ou|fxssf] gfd /

7]ufgf (/fxbfgL tyf k|j]zcf1f,
gful/stfsf] k|df0fkq jf /fli6otf
v'Ng] kl/rokq dWo] s'g} Pssf]
k|ltlnlk )

k]zfJoj
;fo

zfvf

sf/f]jf/
ldlt

sf/f]jf/
k|s[lt

vftfsf] k|sf/

sf/]fjf/ /sd

/sdsf] >f]t

1
2
3
4
5
6
7
8
9
ljj/0f k]z ug]{sf] x:tfIf/M
(sfof{Gjog clws[tcflwsfl/s k|ltlglw)
gfd:
kb:
kmf]g:
Od]n:
k\mofS;:
ldlt

19

s}lkmot

cg';"lr #
;xsf/L ;+:yfn] z+sf:kb sf/f]jf/sf] ljj/0f k7fpg] 9fFrf
;xsf/L ;+:yfsf] gfd :
qm=;+=

vftfjfn ;b:ou|fxssf]
gfd / 7]ufgf (/fxbfgL tyf
k|j]zcf1f, gful/stfsf]
k|df0fkq jf /fli6otf v'Ng]
kl/rokq dWo] s'g} Pssf]
k|ltlnlk)

k]zfJoj;fo

zfvf

sf/f]jf/sf]
ldlt

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

sf/f]jf/sf] /sd

/sdsf]
>f]t

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

1
2
3
4
5
6
7
8
9
ljj/0f k]z ug]{sf] x:tfIf/M
(sfof{Gjog clws[tcflwsfl/s k|ltlglw)
gfd:
kb:
kmf]g:
Od]n:
k\mofS;:
ldlt:

20

s}lkmot

gf] 6 M ljj/0f k7fpbf b] x fo adf] l hdsf] 7] u fgfdf k7fpg' kg] { 5 .

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

Od] n M

reportfiu@nrb.org.np

21