CURRICULUM GRADE 9-10 2076

dfWolds lzIff kf7o\ j|md

sIff ( / !)

P]lR5s ljifox¿

!= Oltxf; @= e"ufn]
#= gful/szf:q $= cyz{ f:q
%= ;dfhzf:q ^= hg;ª\Vof lzIff
&= jftfj/0f lj1fg *= cltl/St ul0ft
(= sl[ if lzIff !)= lzIff
!!= sDKo6' / lj1fg !@= nv] fk/LIf0f
!#= kmf]6fu] |fkmL -5ljsnf_ !$= :jf:Yo / zf/Ll/s lzIff
!%= u|fdL0f ljsf; !^= lj1fg

plNnlvt kf7o\ j|mddWo] P]lR5s lj1fg / cyz{ f:q z}lIfs jif{ @)&$ bl] v, cltl/St ul0ft
zl} Ifs jif{ @)&% b]lv nfu' ePsf 5g\ eg] cGo kf7\oj|md zl} Ifs jif{ @)&& b]lv nfu' xg' ] 5g\ .
o;cl3 dfWolds lzIff kf7o\ jm| d efu @, # / $ df ks| flzt plNnlvt ljifosf kf7\ojm| dsf]
;6\6f oL kf7\oj|md nfu' ugx{' g' cg/' fw] 5 .

gk] fn ;/sf/

lzIff, lj1fg tyf kl| jlw dGqfno

kf7\ojm| d ljsf; s]Gb|

;fgf]l7dL, eStk'/

k|sfzs M gk] fn ;/sf/
lzIff, lj1fg tyf k|ljlw dGqfno
kf7\ojm| d ljsf; s]Gb|
;fgfl] 7dL, eStk/'

© ;jf{lwsf/ M kf7\ojm| d ljsf; sG] b|

lj=;=+ @)&^
d'b0| f M

o;df /fli6o« kf7\oj|md ljsf; tyf d"Nofª\sg kl/ifb\sf] @)&#÷)(÷@* sf]
a}7saf6 :jLs[t cltl/St ul0ft, cy{zf:q / uf| dL0f ljsf;, @)&#÷!@÷@& sf]
a}7saf6 :jLst[ Pl] R5s lj1fg / @)&$÷!)÷!& sf] a}7saf6 :jLst[ eu" fn] ,
Oltxf;, gful/s zf:q, ;dfhzf:q, jftfj/0f lj1fg, sDKo6' /, kmf6] fu] |fkmL,
hg;ª\Vof lzIff, :jf:Yo / zf/Ll/s lzIff / nv] f k/LIf0f ljifosf kf7\ojm| dx¿ ;ªu\ |x
ul/Psf] 5 .

xfd|f] egfO

/fli6o« k/Dk/f, ;:+ s[lt, ;fdflhs ;Dkbf / nfs] tflGqs dN" o;uF kl/lrt, bz] sf] cfly{s ljsf;df
ofu] bfg lbg ;Sg], bIf / :j:y gful/ssf] pTkfbg ug]{ p2Z] ocg'¿k ljBfno txsf kf7\ojm| d ljsf;
/ kl/dfhg{ ug]{ kl| j|mofdf lg/Gt/tf /xg] ub{5 . b]zsf] ax;' f:+ sl[ t / nf]stflGqs dN" o dfGotfkl| t
uj{ ug]{, /rgfTds 1fg l;ksf] ljsf; ub}{ /fli6«o cGt/fl{ i6«o r'gft} Lsf] ;fdgf ug{ ;Sg], :jtGq
;dfnfr] gfTds ;fr] fO / ljZn]if0ffTds l;ksf] ljsf; u/L /fli6«o tyf cGt/fl{ i6o« :t/df kl| t:kwf{ ug{
;Sg] Ifdtf ljsf; kf7\oj|mdsf] ;d;fdlos cfjZostf xf] . lzIffsf] dV' o p2Z] o /fi6« / nfs] tGqdf
ljZjf; u/L /fli6«otfsf] ;+/If0f / ;j+ wg{ ug],{ clwsf/ / st{Josf] kfngf;lxt :jtGqtfsf] ;Ddfg
ug{], ;fdflhs / kf| sl[ ts jftfj/0fk|lt ;rt] eO{ dfgjLo dN" o / dfGotfcg's"n Jojxf/ ug{] stJ{ olgi6
gful/s pTkfbg ug{' xf] . eflifs, tflss{ tyf Jofjxfl/s ul0ftLo l;k ljsf;, ;"rgf kl| jlwsf]
k|ofu] , vf]h tyf cg;' Gwfgsf] pkof]u, gl} ts / c;n ;fdflhs Jojxf/sf] ljsf;, snf / ;+:s[ltsf]
;+/If0f Pjd\ ;j+ wg{ , kf| sl[ ts Pjd\ bj} L k|sf]kkl| t ;rt] /xL hf]lvd Go"gLs/0f ug{ ;Ifd hgzlSt
pTkfbg dfWolds lzIffsf cfwf/et" kIf xg' \ . log} kIfsf cfwf/df ljBfno txsf] kf7\oj|mdnfO{ hg
cfsfªI\ ff Pjd\ b]zsf] kl/jlt{t ;Gbec{ gs' n" ;Ifdtfdf cfwfl/t agfpg dfWolds lzIff kf7\ojm| d,
@)^$ cg;' f/sf sx] L Pl] R5s ljifosf kf7o\ jm| d kl/jt{g u/L o; ¿kdf ljsf; ul/Psf] xf] .

ljBfno lzIffsf nflu /fli6«o kf7o\ j|md kf| ¿ksf] dn" ddn{ fO{ b[li6ut u/L lzIffljb\, kf| Wofks, lzIfs,
ljBfyL,{ cleefjs tyf lzIff;Da4 ;ª3\ ;:+ yf / ;/fs] f/jfnfx¿sf ;e' mfjx¿nfO{ ;d6] L dfh} b' f
kf7o\ jm| dsf p2Z] o / ljifo Ifq] x¿sf] ;dfof]hg tyf ;d;fldlos kl/dfhg{ ;lxt sIff ( / !) sf
nflu 56' 6\ f56' 6\ } kf7o\ jm| d o; ¿kdf tof/ ul/Psf] 5 . o; sfos{ f plNnlvt ;/fs] f/jfnfx¿,
lzIffljb\ tyf kf7\oj|md ljsf; sG] b|sf ljzi] f1x¿sf] ljzi] f el" dsf /x]sf] 5 .

kf7o\ j|md ;w' f/sf] sfo{ lg/Gt/ rNg] kl| j|mof ePsfn] cfufdL ;dodf o;nfO{ cem a9L k|efjsf/L
agfpg lzIfs, cleefjs tyf ;d:t al' 4hLjLx¿sf] cxd\ e"ldsf /xg] xFb' f of] sG] b| ;DalGwt ;aa} f6
/rgfTds ;e' mfjsf] ckI] ff ub5{ .

lj=;= @)&^

gk] fn ;/sf/
lzIff, lj1fg tyf k|ljlw dGqfno

kf7\ojm| d ljsf; sG] b|

;fgf]l7dL, eStk/'



ljifo;"rL

jm| =;= ljifoj:t ' k]h g=+

!= Oltxf; *
@= e"ufn] !&
#= gful/szf:q @(
$= cy{zf:q $@
%= ;dfhzf:q %$
^= hg;ª\Vof lzIff ^$
&= jftfj/0f lj1fg *%
*= cltl/St ul0ft (*
(= sl[ if lzIff !!!
!)= lzIff !@%
!!= sDKo6' / lj1fg !#&
!@= nv] fk/LIf0f !%)
!#= kmf]6f]uf| kmL -5ljsnf_ !%(
!$= :jf:Yo / zf/Ll/s lzIff !&@
!%= uf| dL0f ljsf; !(!
!^= lj1fg !((



dfWolds lzIff kf7o\ jm| d -sIff (–!)_

lzIffsf /fli6o« p2]Zo

lzIffsf /fli6o« p2]Zox¿ lgDgfg';f/ xg' ] 5g\ M

!= kT| o]s JolStdf cGtlgl{ xt kl| tef / JolStTj ljsf;sf ;DefjgfnfO{ k|:kml' 6t ug{ ;xof]u ug{]

@= k|Tos] JolStdf lglxt ;fj{efd} dfgjLo dN" osf ;fy} /fli6«o ;:+ s[lt / cl:dtf, ;fdflhs dfGotf
/ cf:yfx¿sf] ;j+ wg{ u/L hLjGt cge' jx¿ ;d6] \b} :j:y ;fdflhs tyf ;fd"lxs hLjg k4ltsf]
ljsf; ug{ rl/qjfg\ Pjd\ gl} tsjfg\ gful/s tof/ ug]{

#= :yfgLo / /fli6«o :t/sf k];f, Joj;fo Pjd\ /fh] uf/Lsf ;fy} cfjZostfg';f/ cGt/fl{ i6o«
/f]huf/Ltkm{ pGd'v pTkfbgdv' L / l;koS' t gful/s tof/ ug{ ;xofu] ug]{

$= JolStsf] ;fdflhsLs/0fdf ;xofu] ub}{ ;fdflhs PstfnfO{ ;'b[9 agfpg]

%= ;dfhsf] cfw'lgsLs/0fdf ;xof]u u/L b]z lgdf{0fsf lglDt dfgj ;+;fwgsf] ljsf; ug{]

^= kf| sl[ ts jftfj/0f / /fli6«o ;Dkbfsf] ;+/If0f / ;b'kofu] ug{ ;xofu] ub}{ ko{6g kj| w{gdf
;xof]u ug{] gful/s tof/ ug]{

&= ;fdflhs ;dfgtf / Gofoaf/] lrGtg ub{} tbg¿' ksf] cfr/0f ljsf; ug]{ / ;dfj]zL ;dfh
lgdf{0fdf dbt ug{]

*= :yfgLo, /fli6«o tyf cGt/fl{ i6«o kl/jz] cgs' "n zflGt, dq} L, ;be\ fj, ;lxi0f'tf / ljZj aGwT' jsf]
efjgfsf] ljsf; u/L tbg¿' ksf] cfr/0f ug]{ u/fpg] / x/s] k|sf/sf åGå Joj:yfkgsf nflu
;Ifd gful/s tof/ ug

(= cfwl' gs ;"rgf k|ljlw;uF kl/lrt eO{ To;sf] ko| f]u ug{ ;Sg] ljZj kl/j]z ;'xfpbF f] bIf
hgzlSt tof/ ug]{

!)= /fi6«, /fli6«otf, nfs] tGq, dfgj clwsf/k|lt ;Ddfg ug,{] ;dfnf]rgfTds tyf /rgfTds ;f]r
ePsf, ldtJooL, :jfledfgL tyf c¿nfO{ ;Ddfg ug]{ / cfkm" g]kfnL ePsfdf uf/} j ug{] gful/s
tof/ ug]{

!!= gk] fnL snf, ;f}Gbo,{ cfbz{ tyf j}lzi6\ox¿sf] ;/+ If0f, ;j+ wg{ / lj:tf/tkm{ clek]l| /t gful/s
tof/ ug{ dbt ug]{

!@= k|fsl[ ts Pjd\ b}jL k|sf]kk|lt ;r]t /xL ;Defljt hf]lvd Go"gLs/0f ug{ ;Ifd gful/s tof/
ug{]

dfWolds lzIff kf7o\ j|md -Pl] R5s_, sIff ( / !) 1

lzIffsf] dfWod

!= ljBfnodf lzIffsf] dfWod gk] fnL efiff, cª\u|]hL efiff jf b'j} efiff xg' ;Sg] 5 . t/ bx] fosf]
cj:yfdf ljBfnodf lzIffsf] dfWod lgDgadfl] hd x'g ;Sg] 5 M
-s_ k|fylds lzIff dft[efiffdf lbg ;lsg] 5 .
-v_ efiff ljifo cWoog u/fpFbf lzIffsf] dfWod ;fx] L efiff xg' 'kg{] 5 .
-u_ u}/gk] fnL gful/sn] g]kfnsf ljBfnodf cWoog ubf{ gk] fnL ljifosf] ;66\ f cGo s'g}
efiffsf] ljifo cWoog ug{ ;Sg] 5g\ .

@= kf7o\ j|md ;Da4 l;sfO ;xhLs/0f kl| j|mof ;~rfng ubf{ ;r" gf, ;~rf/ tyf kl| jlwsf]
ko| f]unfO{ kf| yldstf lbOg] 5 .

ljifout kf7o\ jm| dsf cªu\

-c_ kl/ro
-cf_ txut ;Ifdtf
-O_ sIffut l;sfO pknlAw
-O{_ l;k÷ljifo j:t'sf] Ifq] tyf j|md / lj:t[tLs/0f
-p_ l;sfO ;xhLs/0f k|lj|mof
-pm_ ljBfyL{ dN" ofªs\ g k|lj|mof

txut ;Ifdtf

l;sfO / jf:tljstflar ;DaGw :yflkt ug,{] l;4fGt / Jojxf/sf] ;dGjo ug{,] :jk/fjltt{ x'Fb} 1fg,
l;k / IfdtfnfO{ cBfjlws ug{,] clwsf/, :jtGqtf / ;dfgtfsf] k|jwg{ ug]{, :j:y hLjgsf] cEof;
ug,{] tflss{ ljZni] f0f u/L lg0f{o ug,]{ j}1flgs ljZn]if0fsf cfwf/df JolSt, ;dfh / /fi6«sf] lbuf]
ljsf;df ;l/s xg' ,] gl} ts cfr/0f kb| z{g ug,]{ ;fdflhs ;b\efjkl| t ;j+ b] gzLn x'g], kof{j/0fLo
;Gt'ngk|lt ;j+ ]bgzLn x'g,] åGå Joj:yfkg ub{} lbuf] zflGtsf nflu k|lta4 /xg,] cfw'lgs 1fg, l;k,
;r" gf, ;~rf/ / kl| jlwsf] ko| fu] ug{,] :jfjnDaL / Joj;fodv' L l;ksf] cEof; ug,{] /fi6«, /fli6«otf /
/fli6«o cfbz{sf] ;Ddfg ug{], ;dfh :jLsfo{ cfr/0f / sfo{ ;:+ s[ltsf] cjnDag ug{,] ;lxi0fe' fj /fVg,]
l;h{gzLn, sNkgfzLn, pBdzLn Pjd\ pRr ;f]r / cfbzd{ f cfwfl/t Jojxf/ ug{,] ;d;fdlos
r'gf}tLx¿sf] ;kmn Joj:yfkg ugn{] ufotsf ljzi] ftfx¿n] oS' t :jfjnDaL, bz] eSt, kl/jtg{ dv' L
lrGtgzLn Pjd\ ;dfj]zL ;dfh lgdf{0fdf of]ubfg ug{ ;Sg] gful/s tof/ ug'{ dfWolds lzIffsf]
dfu{bz{g xf] . o;sf nflu sIff ( / !) sf ljBfyLd{ f lgDgfg';f/sf ;Ifdtf ljsf;sf] ckI] ff
ul/Psf] 5 M

2 dfWolds lzIff kf7o\ jm| d -Pl] R5s_, sIff ( / !)

!= dfgjLo dN" o, dfGotf / nfs] tflGqs ;:+ sf/ cjnDag ub}{ /fi6« / /fli6«otfsf] kj| wg{ sf nflu
;rt] gful/ssf] lhDd]jf/L jxg

@= /fli6o« tyf cGt/f{li6«o kl/j]z;Fu k/lrt eO{ ljljwtf, ;be\ fj / ;x cl:tTjnfO{ cfTd;ft\ ub{}
;Eo, ;;' :+ s[t / ;dtfd"ns ;dfh lgdf{0fsf nflu el" dsf lgjfx{

#= bl} gs ljm| ofsnfkdf cfTd ljZjf;sf ;fy eflifs l;ksf] k|of]u

$= k|efjsf/L l;sfO, /rgfTds / ljZn]if0ffTds ;f]r tyf ;fdflhs ;Dks{ / ;~rf/af6
ljrf/x¿sf] cfbfg kb| fg

%= b}lgs Jojxf/df cfOkg{] ul0ftLo ;d:of kQf nufO{ ;dfwfg ug{] Ifdtfsf] ljsf;

^= hLjghut\ / Jojxf/;Fusf] tfbfTDo afw] u/L ;dfh ;fk]If Jojxf/ lgdf0{ f

&= :jf:Yokl| tsf] ;rt] tf;lxt jftfj/0f ;/+ If0f / ;j+ wg{ tyf hg;ª\Vof Joj:yfkgdf ;lj|mo
;xeflutf

*= kf| sl[ ts tyf ;fdflhs 36gfsf] ljZn]if0f, ltgsf] c;/ af]w tyf ;sf/fTds Jojxf/ kb| zg{

(= lj1fg / ;dfhsf] cGt/;DaGw klxrfg;lxt ;d;fdlos kl| jlwnfO{ Jofj;flos k|jwg{ / dfgj
lxtdf k|of]u

!)= j1} flgs vfh] tyf cg;' Gwfg ug{ cfjZos kl| jm| ofut l;kx¿ xfl;n u/L cfw'lgs k|ljlwx¿sf]
bl} gs hLjgdf ko| f]u

kf7\oj|md 9fr“ f

!= ljBfno tx, sIff (–!), ;fwf/0f tyf ;+:st[ lzIff

jm| =;= ljifo sIff ( / !)

kf7\oef/ k"0ff{ªs\
!))
!= gk] fnL % !))
!))
@= cªu\ h|] L % !))
!))
#= ul0ft % !))
!))
$= lj1fg % !))
*))
%= ;fdflhs cWoog %

^= :jf:Yo, hg;ªV\ of / jftfj/0f %

&= Pl] R5s klxnf] %

*= P]lR5s bf];f| ] %

hDdf $)

dfWolds lzIff kf7\ojm| d -Pl] R5s_, sIff ( / !) 3

– Pl] R5s ljifosf] xsdf sIff ( / !) df P]lR5s k|ydaf6 s'g} Ps ljifo / P]lR5s låtLoaf6
s'g} Ps ljifo u/L hDdf b'O{ ljifo lngk' g]{ Joj:yf ul/Psf] 5 . P]lR5s ljifox¿sf] ;r" L
cg;' "rL ! df lbOPsf] 5 . pSt cg;' r" Laf6 Pl] R5s klxnf] / bf];f| ] ljifox¿sf] 5gf6] ljBfnon]
ug]{ 5 .

– ljBfyLs{ f] rfxgf, cfjZostf, pknAw lzIfs tyf ;f| t] / ;fwgcg;' f/ P]lR5s ljifox¿ 5gf]6
ugk{' g]{ 5 .

– sIff (–!) df j]b ljBf>d / ;+:st[ ljBfnox¿n] :jf:Yo, hg;ª\Vof / jftfj/0f ljifosf
;66\ f ;:+ st[ efiff ljifo cWoog cWofkg u/fpg ;Sg] 5g\ .

-s_ Pl] R5s ky| d kqdf lgwf{l/t ljifox¿ -s'g} Ps ljifodfq_

-c_ efiff;d"x

!= gk] fnL @= cªu\ |h] L #= k]m| Gr $= /l;og

%= hd{g ^= :kflg; &= lrlgof F *= lxGbL

(= hfkfgL !)= aª\ufnL !!= pb"{ !@= ltAatL

!#= ;:+ s[t !$= u|Ls !%= Nofl6g !^= c/l] as

!&= kl;{og !*= lxa '| !(= d}lynL @)= g]jf/L

@!= cjwL @@= efh] k'/L

n]Vo k/Dk/f jf Jofs/0f / pko'St kf7o\ ;fdu|Lsf] pknAwtfg';f/ g]kfndf cGo /fi6« efiffx¿nfO{
klg kf7o\ j|mddf ;dfjz] ub{} nlug] 5 .

-cf_ dfgljsL tyf ;fdflhs zf:q;d"x

!= Oltxf; @= e"uf]n #= gful/s zf:q $= cy{zf:q

%= ;dfhzf:q ^= hg;ª\Vof lzIff &= jftfj/0f lj1fg

-O_ cltl/St ul0ft

-v_ P]lR5s låtLokqdf lgwf{l/t ljifox¿ -sg' } ljifodfq_

!= sl[ if lzIff @= lzIff #= sfon{ o ;~rfng / nv] f

$= sDKo6' / lj1fg %= u[xlj1fg ^= at] afF;lzNk lzIff

&= ;ªu\ Lt *= jfBjfbg (= gT[ o

4 dfWolds lzIff kf7o\ jm| d -Pl] R5s_, sIff ( / !)

!)= lrqsnf !!= jf:ts' nf !@= x:tsnf

!#= vfBlj1fg !$= j:ql;nfOag' fO !%= n]vfk/LIf0f

!^= 6fOlkª / ;6x{ \ofG8 !&= kmf]6fu] f| kmL -5ljsnf !*= cfo'j]b{

!(= kf| s[lts lrlsT;f @)= ofu] lzIff @!= kqsfl/tf

@@= :jf:Yo / zf/Ll/s lzIff @#= cfB} f]lus lzIff @$= k|f/lDes afn ljsf; lzIff

@%= u|fdL0f ljsf; @^= ko6{ g tyf xf6] n Joj:yfkg @&= lj1fg

l;sfO ;xhLs/0f kl| j|mof

!= dfWolds lzIffdf lzIf0f l;sfO lj|mofsnfk ;~rfng ubf{ ljBfyL{ sl] Gbt| / afnd}qL lzIf0f
ljlw ckgfpg'kg{] 5 . ljBfyLs{ f] ;xeflutfdf of]hgf lgdf0{ f, kl/ofh] gf sfo{, If]q ed| 0f, ;d:of
;dfwfg, cfljisf/d'vL cWoog, kj| t{gdv' L lzIf0f k4ltnfO{ lzIf0f l;sfOsf ljlwsf ¿kdf
sfof{Gjog ug'{kg]{ 5 . ljBfyL{sf l;sfOnfO{ s]Gb|laGb' dfgL lzIf0f l;sfO ljm| ofsnfk ;~rfng
ug'k{ g{] 5 . ;a} k|sf/sf l;sfO cfjZostf / rfxgf ePsf -ckfª\u, czSt, c;xfo, sdhf]/
cflb_ u?' sn' , ufG] kf -uD' af_ tyf ljxf/ / db/\ ;f lzIffsf k7g kf7gdf cfjZostfcg;' f/
sDKo'6/ kl| jlwsf] klg pkofu] ug{ ;lsg] 5 . o;sf nflu lzIfsn] ;xh stf,{ pTk|/] s, kj| ws{
/ vfh] stf{sf ¿kdf e"ldsf lgjf{x ugk{' g{] 5 .

@= ;fwg / ;|f]t pknAw ePdf cfjzostfcg';f/ sDKo6' / kl| jlwnfO{ k7g kf7gdf pkofu] ug{
;lsg] 5 .

ljBfyL{ dN" ofªs\ g

ljBfno txdf ljBfyL{ pknlAw dN" ofªs\ gsf nflu lg/Gt/÷lgdf0{ ffTds / lg0f{ofTds d"Nofª\sg
k|ljm| ofnfO{ cjnDag ug{'kg{] 5 .

!= lgdf{0ffTds dN" ofª\sg M lgdf0{ ffTds dN" ofª\sg ug{ sIffut lzIf0f l;sfOs} cleGg cª\usf
¿kdf ux[ sfo,{ sIffsfo,{ kl/of]hgf sfo{, ;fd'bflos sfo{, ;x÷cltl/St lj|mofsnfk, PsfO k/LIff,
dfl;s k/LIff h:tf dN" ofªs\ gsf ;fwgx¿sf] ko| fu] ug{ ;lsg] 5 . o:tf] dN" ofª\sgsf nflu
ljBfyLs{ f] clen]v /fVgk' 5{ . ;f]sf] cfwf/df g} l;sfO cj:yf olsg ul/G5 / cfjZostfg;' f/
pkrf/fTds lzIf0f l;sfO lj|mofsnfk ;~rfng ug{k' 5{ . ljz]if l;sfO cfjZostf ePsf
ljBfyLs{ f nflu ljifo lzIfsn] g} pkoS' t kl| jm| of ckgfO{ dN" ofªs\ g ugk{' g{] 5 .

@= lg0fo{ fTds d"Nofª\sg M dfWolds txdf lgDgfg;' f/ lg0f{ofTds d"Nofªs\ g ug{'kg]{ 5 M

-c_ klxnf] qd} fl;s k/LIff M klxnf] qd} fl;s cjlwe/df k7g kf7g ePsf ljifo j:ta' f6 sn'
k0" ffª{ s\ sf] !) kl| tzt -;4} flGts / ko| fu] fTds_ cªs\ ef/sf] k/LIff ;~rfng ugk{' g{] 5 .

dfWolds lzIff kf7o\ jm| d -P]lR5s_, sIff ( / !) 5

-cf_ bf;] f| ] q}dfl;s k/LIff M klxnf] / bf];f| ] q}dfl;s cjlwe/df k7g kf7g ePsf ljifoj:t'af6
sn' k"0ffª{ s\ sf] #) k|ltzt -;4} flGts / ko| fu] fTds_ cªs\ ef/sf] k/LIff ;~rfng
ugk'{ g{] 5 .

-O_ clGtd k/LIff M zl} Ifs ;qsf] cGTo;Dddf k7g kf7gsf nflu lgwf{l/t ;Dk0" f{ ljifoj:ta' f6
^) k|ltzt -;4} flGts / ko| fu] fTds_ cªs\ ef/sf] k/LIff ;~rfng u/L ltg} k/LIffsf] sn'
kf| Ktfªs\ hf8]/ ljBfyL{sf ljifout u]8| lgwf{/0f ug'k{ g{] 5 .

-pm_ dfWolds txdf lgdf{0ffTds÷;'wf/fTds dN" ofª\sg k4ltsf cfwf/df ljBfyLs{ f] l;sfOnfO{
;l' glZrt ul/g] 5 . lgdf0{ ffTds dN" ofª\sgsf] d'Vo p2]Zo ljBfyLx{ ¿sf] l;sfO :t/df
;'wf/ ug'{ xf] . o;sf nflu lzIfsn] ljBfyLs{ f] JolStut l;sfO pknlAwsf cfwf/df k6s
k6s l;sfOcj;/ k|bfg ug{k' g{] 5 .

-P_ l;sfO pknlAwcg';f/ cfGtl/s k/LIff ;~rfng ug]{ lhDdj] f/L ljBfnosf] x'g] 5 . ;fy}
d"Nofª\sg ofh] gfn] lglb{i6 u/]cg';f/ ko| f]ufTds k/LIff ;~rfng ug'{kg]{ 5 . k|ofu] fTds
k/LIff;d]t x'g] ljifosf xsdf ;4} flGts / ko| fu] fTds b'j} k/LIffdf kf| Kt u/s] f] s'n
cª\ssf cfwf/df u|]8 lgwf/{ 0f ug'k{ g{] 5 .

-P_] !)) k"0ff{ªs\ sf] ;}4flGts k/LIffsf nflu k/LIff ;do # 306f / &% k0" ff{ª\ssf] ;}4flGts
k/LIffsf nflu @ 306f !% ldg6] lgwf/{ 0f ul/Psf] 5 .

-cf]_ k/LIffdf ljz]if l;sfO cfjZostf ePsf ljBfyL{x¿nfO{ sx] L vf; vf; ljifox¿df c¿
;fwf/0f ljBfyLx{ ¿nfO{ lbOg] k|ZgeGbf cnu k|Zg agfO{ dN" ofªs\ g ug{ ;lsg] 5 . ljzi] f
cfjZostf ePsf ljBfyL{sf nflu k/LIffsf] ;do yk ug{ ;lsg] 5 . ljBfyL{ d"Nofªs\ g
ubf{ lzIfsn] ckfªu\ tf ePsf / ljz]if l;sfO cfjZostf ePsf ljBfyLx{ ¿sf nflu
pkoS' t xg' ] d"Nofª\sg kl| j|mof ckgfpg' kg]{ 5 .

ljBfyL{ dN" ofª\sgdf cIf/fª\sg k4lt k|fljlws tyf Jofj;flos wf/tkm{sf ;a} dfWolds ljBfnosf
ljBfyLx{ ¿sf nflu z}lIfs ;q @)&! b]lv cIf/fªs\ g k4lt nfu' ul/Psfdf sx] L kl/dfhg{ ;lxt
;fwf/0f tyf ;:+ st[ lzIff / kf| ljlws tyf Jofj;flos wf/tkms{ f ;a} dfWolds ljBfnosf
ljBfyLx{ ¿sf nflu zl} Ifs ;q @)&@ b]lv cIf/fª\sg k4ltcg';f/ dN" ofª\sg x'g] Joj:yf ul/Psf]
5 . tbg;' f/ dfWolds lzIff k/LIff -P;OO_ / dfWolds lzIff pQL0f{ k/LIff -P;Pn;L_ df cIf/fª\sg
k4lt nfu' ug{ tkl;ncg';f/ u]|8 lgwf{/0f ul/Psf] 5 M

l;=g= k|fKtfªs\ sf] jufG{ t/ u|]8 JofVof :t/Lst[ cªs\

-kl| tztdf_ Outstanding (Grade point)
Excellent
!= () / ;f]eGbf dfly A+ $=)
#=^
@= *) / ;fe] Gbf dfly () eGbf sd A

6 dfWolds lzIff kf7\oj|md -Pl] R5s_, sIff ( / !)

#= &) / ;fe] Gbf dfly () eGbf B+ Very good #=@

sd

$= ^) / ;f]eGbf dfly &) eGbf B good

sd

%= %) / ;fe] Gbf dfly ^) eGbf C+ Satifactory @=$

sd

^= $) / ;fe] Gbf dfly %) eGbf C Acceptable @=)

sd

&= #) / ;f]eGbf dfly $) eGbf D+ Partially acceptable !=^

sd

*= @) / ;fe] Gbf dfly #) eGbf D Insufficient !=@

sd

( @) eGbf sd E Very insufficient )=*

dfWolds lzIff kf7\ojm| d -P]lR5s_, sIff ( / !) 7

Oltxf;

!= kl/ro

ljutsf 36gf / ultljlwx¿sf] j}1flgs cfwf/df ul/Psf] ;TotYo ljZni] f0f / ljj]rgfnfO{ Oltxf;
elgG5 . Oltxf; ljutsf ultljlwsf] k|efjsf cfwf/df jt{dfg lj|mofsnfksf] sfo{of]hgf tof/
ugs{ f nflu pkofu] L xg' ] xg' fn] ;a} ljifo / If]qdf o; ljifosf] cWoog cfjZos 5 . /fli6o« lzIff
cfof]usf] kl| tj]bg @)$( sf] l;kmfl/;cg;' f/ dfWolds txdf Pl] R5s ljifosf ¿kdf Oltxf;
ljifosf] k7gkf7g x'Fb} cfO/xs] f] 5 . o; ljifosf] kf7\oj|mdnfO{ hgcfsfª\Iff Pjd\ bz] sf] kl/jlt{t
;Gbe{cg's"n an] favtdf kl/dfhg{ / ljsf; u/L cWofkg u/fpg] sfo{ eO/xs] f] 5 . xfn dn' 'sdf
ePsf tTsfnLg 36gfx¿nfO{ ;dt] k|fyldstf lbO{ o; ljifonfO{ ;d;fdlos agfpg] / o;df ;dfjz]
ul/g] ljifoj:tn' fO{ ;fGbles{ agfpg] clek|foaf6 of] kf7\ojm| d ;dfofh] g ul/Psf] xf] . o; ;Gbed{ f
ljBfyLx{ ¿nfO{ cfÇgf kj" h{ x¿sf Oltxf;sf] vfh] ug,{] ;dfhdf ePsf Pl] txfl;s 36gfsf] ;ªs\ ng ug,{]
Pl] txfl;s Pjd\ k/' ftflŒjs j:tx' ¿sf] vfh] ug{] h:tf ko| fu] fTds ljifoj:ts' f ;fy} kf| rLg, dWosfnLg /
cfwl' gs gk] fnsf] Oltxf; tyf ljZjsf dxŒjk0" f{ ;Eotf, ljZjsf dxŒjk0" f{ jm| flGt / ;ªu\ 7gfTds cjwf/0ff
h:tf ljZjsf] Oltxf;sf ljifoj:t' x¿nfO{ o; ljifodf ;dfofh] g ul/Psf] 5 .

o; ljifosf] kf7\oj|mddf ;dfj]z ljifoj:t'af6 gk] fnsf] Oltxf;sf] hfgsf/L lbO{ ljZjsf] Oltxf;sf
k|d'v c+z;uF bfhF ]/ cfTd;ft\ ug{ l;sfpg] / ;dfhdf kg{ cfpg] ;d:ofsf] ;dfwfgsf pkfo ;fR] g]
Ifdtfsf] ljsf; u/fpg] k|d'v nIo /x]sf] 5 . o;sf] kl/k"lt{sf nflu lgDglnlvt P]ltxfl;s
kIfx¿nfO{ ;b' [9 agfpg] ljZjf; lnOPsf] 5 M

— ljutdf ePsf 36gfx¿nfO{ dgg u/L cfufdL ou' df dfgj ;dfhnfO{ ;dG' gt u/fpg ;xof]u
k'¥ofpg]

— gk] fn / ljZjsf] Oltxf;sf] hfgsf/L lnO{ ;f] cWoogaf6 kf| Kt 1fgåf/f ;dfhnfO{ ;dGgt' u/fpg]
— ljZjsf ljleGg ;Eotfn] kf/]sf] k|efjsf] hfgsf/L lnO{ To;af6 kf| Kt pknlAwsf] pkof]u

ug{] tyf gsf/fTds lj|mofsnfkx¿ gbfx] f¥] ofpg]
— ljZjdf 36s] f 36gfx¿n] ;+;f/e/ kf/]sf] c;/ ;DaGwdf ;ª\lIfKt ljj/0f lbg]
— Oltxf;sf] ultzLn dd{nfO{ a'em]/ cufl8 a9d] f dfgj ;dfhsf] cl:tTjsf] ;+/If0f ug{ ;lsG5

eGg] 1fg k|fKt ug]{

/fli6«o tyf cGt/f{li6o« k[i7el" ddf pGglt / ;dl[ 4sf] af6f] klxNofpg Oltxf;sf] 1fg lgtfGt cfjZos
5 . o;af6 g} dfgj ;Eotf / ljsf;sf] k/Dk/f;DaGwL 1fg kf| Kt xg' 'sf ;fy} ;a} dfgj Ps xg' \

8 dfWolds lzIff kf7o\ jm| d -P]lR5s_, sIff ( / !)

eGg] efjgf hfu[t x'g] 5 . /fli6«o kf7o\ jm| d kf| ¿k @)^# df ePsf] Joj:yf / /fli6«o kf7\oj|md ljsf;
tyf d"Nofªs\ g kl/ifb\sf] lg0f{ocg;' f/ Oltxf; sIff ( / !) df Pl] R5s ljifosf] ¿kdf /xg] Joj:yf
ul/Psf] x'Fbf ;fc] g'¿k of] kf7\ojm| d tof/ ul/Psf] 5 . of] ljifosf] ;fKtflxs kf7\oef/ % / k0" ff{ªs\
!)) lgwf/{ 0f ul/Psf] 5 . o; kf7o\ jm| ddf lgDglnlvt ljifoj:t' / Ifq] x¿ ;dfj]z ul/Psf 5g\ M

-s_ gk] fnsf] Oltxf;

-c_ k|frLg g]kfn

-cf_ dWosfnLg gk] fn

-O_ cfw'lgs gk] fn

-v_ ljZjsf] Oltxf;

-c_ ljZjsf] ;Eotf

-cf_ ljZjsf j|mflGt

-O_ ljZjJofkL ;ªu\ 7gsf] cjwf/0ff

-u_ k|ofu] fTds Ifq]

o; kf7\oj|mdaf6 ljBfyLx{ ¿n] Oltxf;sf] cy{ / To;sf ;|f]t, g]kfnsf] k|frLg / dWosfnsf] ;Eotf
Pjd\ 36gfj|mdx¿sf af/d] f cfjZos hfgsf/L lnO{ ltgsf] ljZni] f0f ug{ tyf cfw'lgs g]kfnsf
36gfjm| d, cfGbfn] g / ltgsf pknlAwx¿sf] klxrfg Pjd\ ;dLIff h:tf kIfsf] af]w ugs{' f ;fy}
ljZjsf] Oltxf;df ePsf ljljw vfnsf 36gf / ljleGg b]zdf ePsf jm| flGtx¿ tyf ljZjJofkL
;ª\u7gsf] cjwf/0ffaf/] klg 1fg kf| Kt u¿g eGg] p2Z] o /flvPsf] 5 . ;fy} ljBfyL{n] Pl] txfl;s
vf]h Pjd\ cg;' Gwfg tyf k|ltj]bg nv] g / k|:t'tLs/0f;DaGwL cfjZos 1fg tyf l;k xfl;n u/L
cfjZostfcg';f/ ko| fu] / kfngf ug{ ;sg' \ eGg] klg p2Z] o /x]sf] 5 .

@= txut ;Ifdtf

o; tx -sIff ( / !)_ sf] cWoogkZrft\ ljBfyL{x¿df Oltxf;sf lgDglnlvt ;Ifdtfx¿ xfl;n
xg' ] 5g\ M
-s_ Oltxf;sf ;f| t] x¿sf] afw] , ljZn]if0f / k:| tl't
-v_ k|frLg gk] fnsf k|d'v 36gfj|mdx¿sf] hfgsf/L / ljZn]if0f
-u_ dWosfnLg gk] fnsf k|dv' 36gfjm| dx¿sf] hfgsf/L / ljZni] f0f
-u_ cfw'lgs g]kfnsf ljleGg k|d'v 36gfjm| dx¿, cfGbfn] gx¿sf] hfgsf/L / ljZn]if0f

dfWolds lzIff kf7o\ jm| d -P]lR5s_, sIff ( / !) 9

-3_ gk] fnsf ljleGg ;dosf ;Eotfx¿sf] afw] / t'ngf
-ª_ ljZjsf ;Eotfx¿sf] ;dLIff / k|:tl't
-r_ ljZjsf] Oltxf;sf] cWoog / vf]hL
-5_ ljZjsf j|mflGtx¿sf sf/0f / kl/0ffdx¿sf] vf]hL / klxrfg
-h_ ljZjJofkL ;ª\u7gsf] cjwf/0ffsf] ;dLIff
-em_ P]ltxfl;s clen]vsf] cWoog
-`_ k|ltjb] g nv] g / k:| t'lt

#= sIffut l;sfOsf pknlAw

-s_ sIff ( sf l;sfO pknlAwx¿

sIff ( sf] cGTodf ljBfyL{x¿df lgDglnlvt l;sfO pknlAwx¿ xfl;n xg' ] 5g\ M
!= Oltxf;sf ;f| ]tsf] ;ª\sng / JofVof ug{
@= g]kfn zAbsf] pTklQsf] j0fg{ ug{
#= uf]kfn, dlxifkfn, ls/ft, ldlynf, slknj:t' / lNflR5ljsfnLg ;Eotfsf] ljZni] f0f ug{
$= l;hF f /fHosf] ;Eotfsf] JofVof ug{
%= l;d|fg} u9 /fHosf] ;Eotfsf] JofVof ug{
^= gk] fnsf] PsLs/0fsf ljleGg r/0fx¿sf] aofg ug{
&= gk] fn÷ltAjt rLg o'4sf sf/0f / kl/0ffdx¿ pNn]v ug{
*= gk] fn÷cª\u|h] o4' sf sf/0fx¿sf] klxrfg ug{
(= ;'ufn} L ;lGw / o;sf c;/x¿ pNn]v ug{
!)= /f0ffzff;gsf] pTyfg / ktgsf sf/0fx¿ pNnv] ug{
!@= @))& ;fnsf] jm| flGtsf pknlAwx¿sf] JofVof ug{
!#= ld>sf] ;Eotfsf] j0fg{ ug{
!$= al] anf]lgof ;Eotfsf] ljljw kIfsf] JofVof ug{
!%= xj\ fª\xf] ;Eotfsf] ljZn]if0f ug{
!^= cdl] /sL :jtGqtf ;ª\u|fdsf sf/0f / kl/0ffdx¿ pNn]v ug{
!&= Oª\NofG8sf] uf/} jdo j|mflGtsf] kl/ro lbg
!*= OªN\ ofG8sf] s[lif j|mflGtsf sf/0f / kl/0fdx¿ pNNf]v ug{
!(= cfB} f]lus j|mflGtsf sf/0f / kl/0fdx¿ pNNfv] ug{

10 dfWolds lzIff kf7o\ j|md -Pl] R5s_, sIff ( / !)

@)= ky| d ljZjo'4sf sf/0f / kl/0ffdaf/] pNn]v ug{ 11
@!= ;fs{sf] :yfkgf / o;sf d'Vo sfo{x¿sf] JofVof ug{
@@= Pl;ofnL /fi6x« ¿sf] ;ª\u7g -cfl;ofg_ sf] kl/ro lbg
@#= cfÇgf kj" h{ x¿sf] j+zfjnL rf6{ lgdf{0f / k|of]u ug{
@$= sg' } ;+:yfsf] cjnf]sg u/L k|ltjb] g nV] g
@%= P]ltxfl;s b:tfj]hx¿sf] vfh] L u/L ljZni] f0f ug{

-v_ sIff !) sf l;sfO pknlAwx¿

sIff !) sf] cGTodf ljBfyLx{ ¿df lgDgfg;' f/sf l;sfO pknlAwx¿ xfl;n xg' ] 5g\ M
!= afO;] / rfl} a;] /fHox¿sf] ;Eotfsf] JofVof ug{
@= sf7df8fF} pkTosfsf /fHox¿sf] kl/ro lbg
#= ;]g/fHox¿sf] af/]df j0fg{ ug{
$= dWosfnLg g]kfnsf] cfGtl/s tyf jb} l] zs ;DaGwsf] t'ngf ug{
%= lgb{nLo k~rfotL Joj:yfsf] pbo / cGTosf sf/0fx¿ pNn]v ug{
*= @)#^ ;fnsf] cfGbfn] g / hgdt ;ª\ux| sf] sf/0f / kl/0ffdx¿sf] ljZn]if0f ug{
!#= @)$^ ;fnsf] hgcfGbfn] g / pknlAWfx¿sf] j0f{g ug{
!^= cfd lgjfr{ g @)$*, @)%! / @)%^ sf kd| 'v ljzi] ftfx¿sf] ;"rL tof/ ug{
!&= @)%@ bl] v @)^@ ;Ddsf] /fhgLlts 36gfx¿ pNnv] ug{
!*= hgcfGbf]ng @)^@ ÷)^# / o;sf pknlAWfx¿sf] JofVof ug{
!(= ;+ljwfg ;efsf] lgjfr{ g @)^$ / @)&) sf ljz]iftfx¿lar t'ngf ug{
@)= @)^# b]lv @)&$ ;Ddsf kd| v' pknlAwx¿ / ;do/v] f k|:t't ug{
@!= ;ª3\ Lo zf;g k4lt -;ª\3, k|b]z / :yfgLo tx_ sf kd| v' ljzift] fx¿ k:| tt' ug{
@@= lu;| / /fd] sf] ;Eotfsf] kl/ro lbg
@$= j}lbs ;Eotfsf] JofVof ug{
@%= km| fG;sf] /fHo jm| flGt -;g\ !&*(_ sf] sf/0f, 36gf / kl/0ffdx¿sf] j0fg{ ug{
@^= ?;L jm| flGt -;g\ !(!&_ sf sf/0f, 36gf / kl/0ffdx¿sf] JofVof ug{
@&= ef/tLo :jtGqtf ;ªu\ f| dsf sf/0f / kl/0ffdsf] pNnv] ug{
@*= rLgsf] hgjfbL j|mflGt -;g\ !($(_ sf sf/0f / kl/0ffdsf] pNnv] ug{
@(= låtLo ljZjo4' sf sf/0f / kl/0ffdaf/] pNnv] ug{

dfWolds lzIff kf7\ojm| d -Pl] R5s_, sIff ( / !)

#)= ;o+ S' t /fi6;« ª3\ sf] e"ldsf tyf ofu] bfg pNnv] ug{
#!= ;o+ 'St /fi6;« ª3\ df gk] fnsf] e"ldsf klxrfg ug{
#@= cfÇgf] Ifq] sf P]ltxfl;s tyf k/' ftflŒjs j:tx' ¿sf] vfh] L u/L kl| tj]bg tof/ ug{
##= bz] sf ljleGg 36gfj|md ;dfjz] u/L ;do/]vf lgdf{0f / ko| f]u ug{

$= ljifoj:ts' f] Ifq] / j|md

l;=g= ljifo Ifq] sIff ( sIff !)
! k|frLg / kf| rLg g]kfn dWosfnLg g]kfn
• Oltxf;sf] cy{ / ;|f]t • l;Fhf /fHosf] ;Eotf
dWosfnLg g]kfn • k|frLg g]kfn • l;d|f}gu9 /fHosf] ;Eotf
• g]kfn zJbsf] pTklQ • afO;] / rf}la;] /fHox¿
@ cfw'lgs gk] fn • uf]kfn, dlxifkfn, ls/ft, ldlynf, • sf7df8fF} pkTosfsf /fHox¿
• ;]g/fHox¿
slknj:t' / lNfR5ljsfnLg ;Eotf • dWosfnLg gk] fnsf] cfGtl/s ;DaGw
• dWosfnLg g]kfnsf] jb} l] zs ;DaGw
cfw'lgs gk] fn cfw'lgs g]kfn
-s_ gk] fnsf] PsLs/0f cleofgsf -s_ k~rfotL Joj:yfsf] pbo / cGTo
• @)#^ sf] cfGbfn] g / hgdt ;ªu\ |x
ljleGg r/0fx¿ • lgb{nLo zf;g Joj:yf c;kmn xg' s' f
-v_ gk] fn–ltAjt rLg o4' M sf/0f /
sf/0fx¿
kl/0ffd -v_ @)$^ ;fnsf] hgcfGbf]ng / pknlAWf
-u_ gk] fn cªu\ h]| o'4sf sf/0fx¿ • kh| ftGqsf] k'g:yf{kgf / nfs] tflGqs
-3_ ;u' f}nL ;lGw / o;sf c;/x¿
-ª_ /f0ff zff;gsf] pTyfg / ktg cEof;
• /f0ff zf;gsf] :yfkgf sf/0f -u_ cfd lgjfr{ g @)$*,@)%+! / @)%^
• /fhgLlts, ;fdflhs / cfly{s -3_ @)%@ b]lv @)^@ ;Ddsf] /fhgLlts

cj:yf 36gfj|md
• gk] fndf hghfu/0fsf] cf/De • dfcfj] fbL ljbf| ]x
-r_ lj= ;=+ @))& sf] j|mflGt / • b/jf/ xTofs08,@)%*
-ª_ hgcfGbf]ng a;} 6\7L–lq;6\7L
pknlAwx¿, @))& ;fnb]lv @)!& -r_ ;l+ jwfg ;ef
;fn;Ddsf ;+;bLo /fhgLltsf] -5_ @)^# b]lv @)&$ ;Ddsf dV' o d'Vo
cEof;, ofh] gfa4 ljsf;,
k|zf;lgs ;'wf/, lghfdtL / 36gfx¿
k|x/Lsf] Joj:yf, lzIffsf] ljsf; -h_ ;ª3\ Lo zf;g k4lt -;ª3\ , kb| z] / :yfgLo

tx_

12 dfWolds lzIff kf7o\ jm| d -Pl] R5s_, sIff ( / !)

# ljZjsf ;Eotfx¿ -s_ ld>, al] anf]lgof / x\jfªxf] ;Eotf -s_ lu|; / /fd] sf] ;Eotf

• kl/ro • zf;g k4lt

• hLjg k4lt / gLlt lgod • ;flxTo / bz{g

• lzIff / ;flxTo • dl" ts{ nf / jf:t'snf

• cflys{ cj:yf • cfw'lgs ljZjnfO{ lu;| / /f]d ;Eotfsf]

b]g

-v_ l;Gw3' fF6Lsf] ;Eotf -v_ j}lbs ;Eotf

• ejg lgdf0{ f / gu/ ofh] gf • kl/ro

• hLjg k4lt • hLjg k4lt

• Wfflds{ hLjg • lzIff / ;flxTo

• cfly{s cj:yf • cflYf{s cj:yf

• dlxnfx¿sf] :yfg

$ ljZjsf j|mflGt -s_ cdl] /sL :jtGqtf ;ª\ufd -;g\ -s_ ?;L jm| flGt -;g\ !(!&_ sf sf/0f,

!&&%_ sf sf/0f / kl/0ffdx¿ 36gf / kl/0ffdx¿

-v_ a]nfotsf j|mflGtx¿ -v_ ef/tsf] :jtGqtf ;ªu\ |fd -;g\ !($&_

• uf}/jdo j|mflGt sf sf/0f / kl/0ffd

• sl[ if jm| flGt -u_ rLgsf] hgjfbL j|mflGt -;g\ !($(_ sf

• cf}Bfl] us jm| flGt sf/0f / kl/0ffd

-u_ km| fG;sf] j|mflGt -;g\ !&*(_ sf

sf/0f, 36gf / kl/0ffd

% ljZjo4' ky| d ljZjo4' låtLo ljZjo'4

• k|yd ljZjo'4sf sf/0f, 36gf tyf • låtLo ljZj o'4sf sf/0f, 36gf /

kl/0ffdx¿ kl/0ffdx¿

^ ljZjJofkL Ifq] Lo ;ªu\ 7gsf] cjwf/0ff ljZjJofkL ;ªu\ 7gsf] cjwf/0ff
• ;+o'St /fi6«;ª\3sf] :yfkgf
;ªu\ 7gsf] • ;fss{ f] :yfkgf / ljsf; • ;+oS' t /fi6«;ª3\ sf] ofu] bfg
• ;o+ S' t /fi6;« ª3\ df gk] fnsf] el" dsf
cjwf/0ff • Pl;ofnL /fi6x« ¿sf] ;ª\u7g P]ltxfl;s vf]h
• cfÇgf] Ifq] sf Pl] txfl;s / k/' ftflTTjs
-cfl;ofg_
j:tx' ¿sf] vf]h
& ko| fu] fTds Ifq] Pl] txfl;s vf]h • b]zsf ljleGg 36gfj|mdsf] ;ª\sng
• ;do/v] f lgdf0{ f / ko| f]u
• cfÇgf k"jh{ x¿sf] vfh] • kl/of]hgf sfo{ / k|ltjb] g

• cfÇgf] ;db' fosf] P]ltxfl;s

36gfjm| dsf] ;ª\sng

• j+zfjnL rf6{ lgdf{0f / ko| fu]

• kl/ofh] gf sfo{ / k|ltj]bg

dfWolds lzIff kf7\oj|md -P]lR5s_, sIff ( / !) 13

ljifoj:t'sf] PsfOut kf7\oef/ lgDgfg';f/ u/xs] f] 5 M

jm| =;= PsfO÷Ifq] kf7\oef/ -sIff (_ kf7o\ ef/ -sIff !)_
!= kf| rLg / / dWosfnLg g]kfn @) @)
@= cffwl' gs g]kfn %) %)
#= ljZjsf ;Eotf !^ !^
$= ljZjsf jm| flGt @) @)

%= ljZj o'4 !) !)
^= ljZjJofkL ;ªu\ 7gsf] cjwf/0ff !@ !@
&= k|of]ufTds If]q $@ $@
!&) !&)
hDdf

^= l;sfO ;xhLs/0f kl| jm| of

Oltxf; ljifo ljutaf6 l;s]sf] 1fgn] eljio ;'lgZrt ug]{ sfo{;uF ;DalGwt
5 . o; ljifosf] l;sfO ljm| ofsnfk ;4} flGts ljifoj:t'nfO{ ljBfyLs{ f] Jofjxfl/s hLjg;Fu hf]8]/
ug{k' b{5 . ljifoj:t'cg';f/ Pl] txfl;s :ynsf] e|d0f, clen]vx¿sf] cWoog tyf kT| oIf cjnfs] g
u/fpg ;s]df l;sfO lbuf,] Jofjxfl/s / k|efjsf/L x'G5 . o;df pNnv] ul/Psf ljifoj:tx' ¿sf]
cWoog cWofkg u/fpFbf ;a} Ifq] nfO{ plQs} dxŒj lbg'kg{] x'G5 . o; ljifon] ljBfyL{df ljutsf
36gfj|mdsf] hfgsf/L lnO{ To;af6 l;Sg] d'Vo p2]Zo /fvs] f] 5 . To;}n] Oltxf; ljifodf l;sfO
;xhLs/0f ubf{ ljleGg k|sf/sf ljBfyLs{ l] Gb|t lzIf0f ljlwx¿ ko| f]u ugk'{ 5{ . h:t} M

-s_ kZ| gfQ] / ljlw -v_ k|bz{g ljlw -u_ ;d:of ;dfwfg ljlw -3_ 5nkmn ljlw -ª_ cjnf]sg
ljlw -r_ vfh] ljlw -5_ clego ljlw -h_ kl/ofh] gf ljlw -em_ Ifq] e|d0f ljlw -6_ cfudg ljlw
-7_ ;dfnf]rgfTds lrGtg ljlw .

pko{S' t ljlwx¿ pbfx/0f dfq xg' \ . o; ljifodf oxL ljlw g} k|efjsf/L x'G5 eGg] xb'F g} .
:yfgLo kl/jz] , ljifoj:t'sf] k|sl[ t / :j¿ksf cfwf/df l;sfO ;xhLs/0fdf ljljwtf Nofpg ;lsg]
5 . Oltxf; ljifosf] l;sfO ljm| ofsnfkdf ;"rgf kl| jlwsf] ;d]t k|of]u u/L l;Sg l;sfpg ;Sg]
jftfj/0f tof/ ug'{kg]{ 5 . lzIfsn] l;sfO ;xhLs/0f ubf{ ljBfyLs{ f] pd/] , tx, ?lr, axa' fl} 4stf,
dgf]lj1fg, ;fdflhs ki[ 7el" d, ljBfyL{ ;ª\Vof, zl} Ifs ;fdu|Lsf] pknAwtf cflb ;dt] nfO{ Wofg lbgk' g]{
5 . ;xhLs/0f ubf{ ljBfyL{x¿sf] ;xeflutf Pjd\ ;fdl" xs tyf ;xofu] fTds l;sfOnfO{ kf| ]T;fxg
ug'k{ g{] 5 . ljBfyLn{ fO{ ;d:of ;dfwfg ug{ cK7o\ f/f] k/]sf] cj:yfdf pgLx¿sf] sdL sdhf]/LnfO{

14 dfWolds lzIff kf7o\ jm| d -Pl] R5s_, sIff ( / !)

/fd/| L s]nfO{ lzIfsåf/f ;d:of ;dfwfg ug'{kg]{ 5 . ljBfyL{x¿ l;hg{ f / k|ltefsf e08f/ xg' \ .
To;}n] pgLx¿sf k|ltef k|ikm'6gsf nflu pkoS' t jftfj/0f l;h{gf ug{k' g]{ 5 . lzIfsn] Pp6f
;xhstf{sf ¿kdf ljBfyL{x¿nfO{ ;xL af6f] bv] fpg ;xofu] k'¥ofpgk' g]{ 5 . plNnlvt ljlwx¿sf
cltl/St syfsyg, dl:tis dGyg, sfoz{ fnf ljlw, k|jrg ljlw, ;j]{ ljlw h:tf ljlwx¿ klg
cfjZostfcg';f/ k|of]u ug{k' g]{ 5 .

&= d"Nofª\sg k|ljm| of

kf7o\ jm| dn] lgwf/{ 0f u/s] f p2Z] ocg'¿k ljBfyLx{ ¿n] 1fg, l;k tyf clejl[ Tt k|fKt ug{ ;s] ;s]gg\
eGg] s'/f kQf nufpg] dxŒjk0" f{ dfWod dN" ofªs\ g xf] . ljBfyL{x¿sf] dN" ofª\sg ubf{ ;jk{ |yd ckl] Ift
p2]ZonfO{ Wofg lbg'kb5{ . d"Nofª\sgsf ;fwgx¿ ljsf; ubf{ klg p2]Zocg'¿k l;sfOsf] :t/nfO{
;d]6]/ ljsf; ug{k' b5{ . Oltxf; ljifodf ;fdfGotof lgdf0{ ffTds / lg0fo{ fTds d"Nofªs\ gsf b'O{
k4lt cjnDag ug'{kb5{ .

lgdf{0ffTds dN" ofª\sg

ljBfyLx{ ¿n] s] slt l;s] eGg] s/' f kQf nufO{ gl;ss] f] eP g;Sgfsf sf/0f kQf nufP/ k'gM
l;sfOG5 eg] o:tf] d"Nofªs\ g k|lj|mofnfO{ lgdf{0ffTds dN" ofªs\ g elgG5 . o:tf] d"Nofª\sg sIffsf]7fdf
sIffut lzIf0f l;sfOs} cleGg cª\usf ¿kdf u[xsfo{, sIffsfo{, kl/of]hgf sfo,{ ;fd'bflos sfo{,
;x÷cltl/St ljm| ofsnfk, PsfO k/LIff, dfl;s k/LIff h:tf d"Nofª\sgsf ;fwgx¿sf] k|ofu] ug{
;lsg] 5 . o:tf] dN" ofª\sgsf nflu ljBfyLs{ f] clenv] /fVg'k5{ . ;fs] f cfwf/df g} l;sfO cj:yf
olsg ul/G5 / cfjZostfg;' f/ pkrf/fTds l;sfO ;xhLs/0f ljm| ofsnfk ;~rfng ug{'k5{ .
ljzi] f l;sfO cfjZostf ePsf ljBfyLs{ f nflu ljifo lzIfsn] g} pko'St kl| jm| of ckgfO{ d"Nofªs\ g
ugk{' g{] 5 . ljBfyL{ l;sfOdf o; k|sf/sf] dN" ofªs\ g k|ljm| ofsf] 7'nf] dxŒj /xG5 . lzIfsn] o:tf]
k|sf/sf] dN" ofªs\ g hg;' 's} ;dodf klg lg/Gt/ ¿kdf ug'k{ b{5 / ljBfyL{x¿df ;w' f/sf] jftfj/0f
tof/ ul/lbgk' b{5 .

ko| f]ufTds dN" ofªs\ g

ljBfyL{sf] ko| f]ufTds dN" ofª\sgsf nflu @% kl| tzt cªs\ ef/ lgwf{/0f ul/Psf] 5 . ko| fu] fTds
d"Nofª\sg ubf{ ljBfyLs{ f] lgdf{0ffTds dN" ofª\sgsf] ;dt] cfwf/ lng'kg{] 5 .

k|ofu] fTds d"Nofª\ssf nflu lgDgfg;' f/sf kl| jm| of ckgfpgk' g{] 5 . k|of]ufTds sfos{ f nflu sfo{snfk
/ cª\s ljefhg ljlzi6Ls/0f tflnsfdf lbOPsf] 5 .

— lglZrt ;doleq dfq d"Nofªs\ g gu/L lgoldt ¿kdf ljBfyL{n] u/]sf sfo{ / Jojxf/ kl/jt{gsf]
cjnfs] g u/L d"Nofªs\ g ugk{' g]{ 5 .

dfWolds lzIff kf7\ojm| d -P]lR5s_, sIff ( / !) 15

— ljBfyLx{ ¿sf] sfo{ ;~rlosf kmfon -Portfolio_ agfO{ pgLx¿n] u/s] f sfo,{ xflh/L / ;lj|motfsf
cfwf/df cª\s k|bfg ug'{kg]{ 5 .

— kT| os] PsfOaf6 sDtLdf Ps Pscf6] f kl/ofh] gf sfo{ jf Ifq] ed| 0f u/fO{ dN" ofªs\ g ugk{' g{] 5 .
— ljBfyL{n] u/]sf ;e{I] f0f sIff sfo{, kl/ofh] gf sfo,{ l;hg{ fTds sfo,{ l;kd"ns sfo{, vf]hdn" s

sfo{ cflb / ;f];uF ;DalGwt ko| fu] fTds k/LIffnfO{ k|of]ufTds d"Nofªs\ gsf] k|dv' cfwf/ dflgg]
5.
ko| fu] fTds d"Nofªs\ gsf] kl/ofh] gf sfo{ / Ifq] e|d0fafkt cªs\ kb| fg ubf{ ljBfyLn{ ] /fli6o« dxŒjsf
sfoj{ m| dcGtut{ ;Dkfbg u/s] f jf of]ubfg lbPsf sfon{ fO{ ;d]t u0fgf ug{ ;lsg] 5 . km/s Ifdtf
ePsf ljBfyL{ / ax'afl} 4stfnfO{ Vofn ub}{ pkoS' t d"Nofª\sgsf ;fwg, ;|ft] / tl/sf k|of]u u/L
dN" ofªs\ g ug{'kg{] 5 .

lg0fo{ fTds dN" ofªs\ g

kf7\ojm| dn] lgwf/{ 0f u/]sf p2]Zocg'¿k ljBfyL{x¿n] 1fg, l;k, clej[lQ kf| Kt u/] gu/s] f] d"Nofª\sg
u/L To;sf cfwf/df pQL0f{ tyf cgQ' L0f{ ug{] lg0fo{ lnOG5 eg] To:tf] d"Nofªs\ gnfO{ lg0f{ofTds
dN" ofªs\ g elgG5 . o:tf] d"Nofªs\ g cfjlws ¿kdf ug]{ ul/G5 . o;sf nflu k|ofu] fTds tyf
cfGtl/s dN" ofª\sgsf] @% kl| tzt / clGtd k/LIffsf nflu &% kl| tzt ef/ 5'6o\ fPsf] 5 . o;
kf7\ojm| dsf] cg;' r" Lsf ¿kdf dN" ofª\sg kl| jm| of, cªs\ ljefhg tyf clGtd dN" ofªs\ gsf nflu
ljlzi6Ls/0f tflnsf k|sfzg ul/g] 5 . ;DalGwt ljBfno, /fli6«o k/LIff af8] { tyf ;DalGwt cGo
lgsfon] ;f]xLcg;' f/ k/LIff ;~rfng / ljBfyL{sf] :t/ jf u8]| lgwf/{ 0f ugk'{ b{5 .

16 dfWolds lzIff kf7\oj|md -P]lR5s_, sIff ( / !)

e"uf]n

!= kl/ro

e"ufn] ljifo cflbdsfnbl] v g} dxŒjk"0f{ cWoog If]qsf ¿kdf /xs] f] 5 . clxn] o;sf] Ifq] df lj:tf/
x'gfsf ;fy} o; ljifosf] cWoogsf] dxŒj cem} a9s] f] 5 . eu" f]n ljifon] kY[ jLdf /xs] f ef}lts
/ dfgjLo kIfx¿sf] ljz]iftf tyf If]qLo ljt/0f / cGt/;DaGwsf] j1} flgs cWoog ub{5 . o;
ljifodf d'Vo ¿kdf kY[ jLsf] w/ftnLo cjl:yt ljljw efu} f]lns Pjd\ ;f:+ sl[ ts kIfx¿sf] af/]df
jm| da4 cWoog ul/G5 . lj1fg / kl| jlwsf] ljsf;;uF } eu" f]n ljifosf] cWoogsf] dxŒj a9\bf] 5 .
g]kfndf ul7t /fli6o« lzIff cfofu] sf] kl| tjb] g @)$( n] eu" f]n ljifonfO{ ljBfno txdf cWoog ug{
rfxgx] ¿sf nflu sIff ( / !) df P]lR5s ljifosf ¿kdf l;kmfl/; u/]sf] lyof], h;sf] kmn:j¿k
of] kf7\oj|md lgdf0{ f u/L cWoog cWofkg xbF' } cfPsf] 5 . o;} j|mddf /fli6«o kf7o\ jm| d k|f¿k @)^#
-;+zf]wg @)&!_ n] ;dt] o; ljifonfO{ sIff ( / !) P]lR5s k|yd ljifodf ;dfjz] u/L cWoog
eO/xs] f] ;Gbe{df ;d;fdlos kl/j]zdf o;nfO{ cem a9L ;fGbles{ / ;do;fk]If agfpg] p2]Zosf
;fy o;sf] kf7ojm| d ljsf; ul/Psf] xf] .

e"ufn] ljifon] gk] fnsf] ljBfno txdf cWoog ug]{ ;DalGwt ljBfyL{x¿nfO{ ljZjsf] ljljw efu} f]lns
kIfx¿, cflys{ ljm| ofsnfk tyf dfgjLo kIfx¿sf] ;fy} gk] fnsf] ljljw efu} f]lns Pjd\ ;f+:s[lts
kIfx¿sf] 1fg xfl;n u/fpg] nIo /fvs] f] 5 . ljBfyL{x¿nfO{ ef}uf]lns tYox¿sf] Jofjxfl/s
1fg lbnfpg] p2]Zon] o; kl/dflHf{t kf7\ojm| ddf ko| fu] fTds eu" fn] nfO{ ;dfj]z ul/Psf] 5 . o;
kf7\ojm| ddf txut ;Ifdtfx¿nfO{ j|mda4, ;fGbles{ / :ki6 ¿kdf kf7o\ ef/;d]tnfO{ Wofg lbO{
;dfj]z ul/Psf] 5 . sIffut l;sfO pknlAwx¿ dfkgLo, ljlzi6Lst[ , jm| da4, ;/n / :ki6 ¿kdf
pNnv] ul/Psf] 5 . e"ufn] ljifosf] ljifoj:ts' f] ks| [ltnfO{ Wofg lbO{ k|ofu] fTds d"Nofªs\ gsf] ef/nfO{
@% k|ltzt agfOPsf] 5 . o;af6 ljBfyL{x¿ e"uf]nsf] 1fg, l;k, wf/0ff cfhg{ ug{ cem a9L ;Ifd
xg' ] ljZjf; lnOPsf] 5 . /fli6«o kf7\ojm| d kf| ¿k @)^# -kl/dfhg{ @)&!_ df ePsf] Joj:yfcg;' f/
eu" f]n sIff ( / !) df Pl] R5s ljifosf] ¿kdf /xg] Joj:yf u/]sf] xF'bf ;fc] g¿' k of] kf7o\ j|md
tof/ ul/Psf] 5 . o; ljifosf] ;fKtflxs kf7\oef/ % / k0" ffª{ \s !)) lgwf/{ 0f ul/Psf] 5 . o;
kf7\ojm| ddf lgDglnlvt ljifoj:t' / If]qx¿ ;dfjz] ul/Psf 5g\ M

!= eu" f]nsf] kl/ro

@= ef}lts eu" f]n -k[YjL kl/ro, :ynd08n, hnd08 / jfod' 08n_

#= g]kfnsf] eu" f]n

$= g]kfnsf] hg;ªV\ of

dfWolds lzIff kf7o\ j|md -Pl] R5s_, sIff ( / !) 17

%= dfgj eu" f]n
^= cflys{ eu" fn]
&= ko| fu] fTds e"ufn]
o; kf7o\ jm| ddf ljBfyL{x¿df e"uf]nsf] kl/ro, Ifq] / dxŒjsf] af/]df hfsf/L xfl;n ug{≤ k[YjLsf]
:ynd08n, hnd08n / jfod' 08nsf ljljw kIfsf] ljZni] f0f ug{, g]kfnsf] e"uf]n;Fu kl/lrt eO{
;f]xLcg';f/ cEof; ug≤{ gk] fnsf] hg;ªV\ ofsf ljljw kIfsf] hfgsf/L Pjd\ ljZn]if0f ug{≤ dfgj
hLjgdf cfjZos kg{] dfgjLo e"uffn] sf ljljw kIfsf] klxrfg Pjd\ ljZni] f0f ug≤{ cfly{s e"uff]nsf
ultljlw tyf o;sf] dxŒj j0f{g ug{ / dfgjLo hLjgdf pkof]uL xg' ] cfjZos 1fg tyf l;k xfl;n
u/L cfjZostfcg;' f/ ko| fu] / kfngf ug{ ;sg' \ eGg] p2]Zo /flvPsf] 5 . o;af6 kf7\ojm| dnfO{
;Ifdtfdf cfwfl/t kf7\ojm| d aGg ;3fp kU' g] b]lvG5 . kf7\ojm| d ljsf;sf] j|mddf cg'ejL lzIfs,
k|fWofks Pjd\ o; If]qsf ljz]if1 / ;/f]sf/jfnfx¿sf] /fo;e' mfjx¿sf] cfwf/ lnPsf] 5 .

@= txut ;Ifdtf

o; tx -sIff ( / !)_ sf] cGTodf ljBfyLx{ ¿n] lgDgfg';f/sf ;Ifdtfx¿ xfl;n ug{] 5g\ M
-s_ e"ufn] sf] cjwf/0ffsf] af]w / k:| tl' t
-v_ kY[ jL / ;f}od{ 08nsf] pTklQ, agf]6 / o;sf txx¿sf] j0f{g
-u_ k[YjLsf] ult / o;sf] ke| fj afw]
-3_ :ynd08nsf] ;/+ rgf / kmn} fj6sf] ljZni] f0f
-ª_ jfod' 08n lgoldt / clgoldt ultljlwsf] ;}4flGts / Jofjxfl/s ljZn]if0f
-r_ cjl:ylt / ;dosf] afw] / u0fgf
-5_ k|fbl] zs ljefhg / kf| b]zLs/0fsf] cjwf/0ff atfpg
-h_ g]kfnsf] efu} fn] s, kofj{ /0fLo / xfjfkfgLsf] ljZn]if0f
-em_ dfgj e"ufn] sf] cjwf/0ff, dfgj e"ufn] sf] l;4fGt / ljZjsf] kf| sl[ ts k|b]zsf] ljZni] f0f
-`_ dflg; / ks| l[ t;Fusf] cGt/;DaGwsf] ;dLIff
-6_ dfgjLo ljm| ofsnfkdf jftfj/0fsf] k|efj -pmi0f, zdzLtfi] 0f, w|'jLo a;f]jf; Ifq] / klxrfg
-7_ ljZjsf] k|d'v hfltsf] hLjg k|0ffnL, ljZjsf] cflys{ ljsf;sf] k|efj klxrfg / ;dLIff
-8_ cfly{s eu" fn] sf] l;4fGt, cflys{ kIfx¿ klxrfg
-9_ ljsf; / ljsf;sf kj" fw{ f/sf Ifq] x¿sf] cj:yf / dxŒj
-0f_ ljZjsf] k|fsl[ ts kb| ]zdf hg;ª\Vofsf] ljt/0f / hg3gŒjsf] cj:yf klxrfg

18 dfWolds lzIff kf7\ojm| d -P]lR5s_, sIff ( / !)

-t_ dfglrq (Map, Atlas, Google, Earth reading) sf] cfwf/et" tŒjsf] afw] / cWoog
-y_ Effu} fl] ns cWoog ed| 0f / k|ltj]bg n]vg / k:| t'lt
-b_ :yfgLo ljsf; ofh] gf / sfo{jm| d th'{df

#= sIffut l;sfO pknlAw

-s_ sIff ( sf l;sfO pknlAwx¿

sIff ( sf] cGTodf ljBfyL{x¿df lgDgfg';f/sf l;sfO pknlAwx¿ xfl;n xg' ] 5g\ M
!= e"ufn] sf] cy,{ kl/efiff If]q / dxŒj atfpg
@= eu" fn] sf zfvfx¿sf] kl/ro lbg
#= k[YjLsf] pTklQ, agf6] / o;sf] txx¿sf] j0f{g ug{
$= dxfbz] / dxf;fu/sf] kl/ro / gS;fdf kb| {zg ug{
%= KfY[ jLsf aflx/L txsf] agfj6 pNNfv] ug{
^= r6\6fgsf] kl/ro, ljzi] ftf / juLs{ /0f ug{
&= :ynLo :j¿k lgdf{0f ug]{ zlStx¿ -cfGtl/s / afxo\ zlStn] lgdf{0f x'g] e":j¿kx¿ ljZni] f0f

ug{
*= jfod' 08nsf] kl/ro, ;+/rgf, tx / km}nfj6 pNn]v ug{
(= ;f}o{ zlSt / o;nfO{ ke| fj kfg{] tŒjx¿sf] kl/ro lbg
!)= tfk / rfksf] kl/ro / o;df ;f}o{ zlStn] kfg]{ k|efj pNnv] ug{
!!= df;} d / xfjfkfgLsf] kl/ro lbg
!@= g]kfnsf] Eff}ufl] ns ljj/0f -l:ylt, cfsf/, l;dfgf, If]qkmn_ sf] kl/ro lbg
!$= kf| b]lzs ljefhg / k|fbz] Ls/0fsf] cjwf/0ff atfpg
!%= kf| sl[ ts :j¿ksf] JofVof ug{
!^= ef}uf]ns kb| ]zsf] gS;fdf kb| z{ g / j0fg{ ug{
!&= kof{j/0fLo k|bz] -lxdfn, kxf8 / t/fO_{ sf] ljZn]if0f ug{
!*= ;ª\3Lo tyf k|zf;lgs kb| z] x¿sf] j0fg{ ug{
!(= g]kfnsf] xfjfkfgLdf ke| fj kfg]{ tŒjx¿sf] ljZn]if0f ug{
@)= g]kfnsf] xfjfkfgLsf kb| ]zx¿sf] j0fg{ ug{
@!= g]kfnsf jg:klt, hLjhGt,' vlgh, lxdgbL, gbLgfnf / tfntno} fsf] j0fg{ ug{

dfWolds lzIff kf7\oj|md -P]lR5s_, sIff ( / !) 19

@@= zlSt / ;z+ fwgsf] kl/ro / juL{s/0f ug{
@#= k|fs[lts ;+zfwgcGtu{t hldg, df6f], hªu\ n, jg, hn;|f]t, vlgh, hl} js ljljwtf, ;fo} ,{ jfo'

/ hl} js pmhf{sf] kl/ro lbg
@$= hg;ªV\ of / To;sf] ljt/0f k0| ffnLsf] JofVof ug{
@%= a:tL ljt/0f k0| ffnLsf] kl/ro lbg
@^= a;fOF;/fOsf] cjwf/0ff atfpg
@&= hgzlStsf k|sf/ pNnv] ug{
@*= ljsf; / ljsf;sf kj" fw{ f/x¿sf] If]q / dxŒj pNn]v ug{
@(= k|sf]k / o;sf ks| f/sf] JofVof ug{
#)= Dffgj eu" f]nsf] l;4fGt -lgotjfb, ;Dejjfb / gjlgotjfb_ sf] kl/ro lbg
#!= ljZjsf] kf| s[lts k|bz] df hg;ª\Vofsf] ljt/0f / hg3gTjsf] cj:yf klxrfg ug{
#@= cfly{s e"uf]nsf] kl/ro, l;4fGt / cflys{ kIfx¿ pNnv] ug{
##= cfly{s eu" fn] df ;|ft] ;fwg, pBfu] , Jofkf/ / Joj;fosf] el" dsf klxrfg ug{
#$= dfglrq (Map, Atlas, Google, Earth reading) sf] cWoog u/L ;"rgf lng / lbg
#%= dfglrqsf] cfwf/et" tŒjx¿ Scale, conventional signs / kI| f]k0fsf] ko| fu] ug{
#^= gS;fsf] juLs{ /0f -dfg gfksf] cfwf/df / k|blz{t ;"rgfsf cfwf/df_ ug{
#&= gS;f / rf6{ -j[Qlrq, :tDe_ sf] lgdf{0f / k|ofu] ug{
#*= /]vflrq lgdf0{ f / ko| fu] ug{
#(= g]kfnsf] gS;f lgdf{0f / ko| f]u ug{
$)= Eff}uf]lns cWoog e|d0f, k|ltj]bg nv] g / k:| t'tLs/0f ug{
$!= :yfgLo ljsf; of]hgf / ljsf; k|:tfj th{'df ug{

-v_ sIff !) sf l;sfO pknlAwx¿

sIff !) sf] cGTodf ljBfyLx{ ¿df lgDgfg;' f/sf l;sfO pknlAwx¿ xfl;n xg' ] 5g\ M
!= eu" fn] sf] dxŒj atfpg
@= k[YjLsf] cfsf/, kl/df0f, ult / c;/ -lbg / /ft_ pNn]v ug{
#= ult -bl} gs, jflif{s / To;sf] c;/x¿_ klxrfg ug{
$= Ct' / Ct' kl/jtg{ sf c;/x¿sf] ;"rL tof/ ug{
%= cIffz+ sf] cjwf/0ff atfpg

20 dfWolds lzIff kf7o\ jm| d -P]lR5s_, sIff ( / !)

^= cfIfz+ , bz] fGt/, :yfgLo ;do, k|dfl0fs ;do / kl| tnfd] sf] lgwf{/0f ug{
&= :yn:j¿k lgdf{0fdf r66\ fgsf] e"ldsf / pkof]lutf pNn]v ug{
*= df6fsf] kl/ro / k|sf/sf] j0fg{ ug{
(= :ynfs[lt lgdf0{ fsf zlStx¿sf] cjwf/0ff -cfGtl/s / afxo\ _ atfpg
!)= cfsl:ds zlSt lgdf0{ f x'g] :ynfsl[ tsf] JofVof ug{
!!= afxo\ zlStaf6 lgdf0{ f xg' ] :ynfsl[ tx¿sf] ljZn]if0f ug{
!@= ;fd'lbs| wf/ / Hjf/ef6fsf c;/x¿ pNn]v ug{
!#= t6Lo 5fn, To:fsf c;/ / xfjfkfgLdf dxf;fu/Lo ke| fj j0fg{ ug{
!$= Jffo'd08nLo tfksf k]6Lx¿sf] JofVof ug{
!%= Rffksf k6] Lx¿sf] ljZni] f0f ug{
!^= Jffod' 08nLo k|ljm| of jfikLs/0f, b|jLs/0f / pmWjk{ tgsf] kl/ro lbg
!&= Jffos' f] pTklQ / lsl;d pNnv] ug{
!*= bj| Ls/0fsf :j¿k / lsl;dsf] j0fg{ ug{
!(= xfjfkfgLnfO{ ke| fj kfg]{ tŒjx¿ / k]6Lx¿sf af/]df JofVof ug{
@)= g]kfnsf] e"kl/j]li7t cjl:ylt, kl/jz] / cGt/f{li6o« l;dfgf gS;fdf kb| {zg ug{
@!= ;ª3\ Lo eu" f]nsf] cjwf/0ff atfpg
@@= kf| s[lts :j¿kcGtu{t xfjfkfgL, k|fs[lts jg:klt / hLjhGts' f] j0fg{ ug{
@#= df6f], vlgh, lxdgbL, gbLgfnf / tfntno} fsf] kl/ro lbg
@$= zlSt / ;+zfwgsf] kl/ro lbg
@%= kf| sl[ ts ;z+ fwgn] dfgj hLjg / cflys{ Ifq] df kfg{] dxŒj, ke| fj, ;d:of / ;dfwfg pNnv] ug{
@^= kf| sl[ ts ;z+ fwgsf] ljsf; tyf Joj:yfkgdf /fHo, :yfgLo tx / ;db' fosf] el" dsf klxrfg ug{
@&= hg;ªV\ of / ljt/0fsf] ljljwtfn] kfg{] k|efjx¿ atfpg
@*= a:tLsf ks| f/ tyf a:tL ljsf;sf cjwf/0ff atfpg
@(= a;fOF;/fOn] kfg]{ ke| fjx¿sf] ;"rL tof/ ug{
#)= >dzlSt tyf ljk]|if0f / o;sf] k|efj atfpg
#!= ljsf;df oftfoft, pmhf,{ ;~rf/, lzIff, :jf:Yosf] ke| fjx¿ pNnv] ug{
#@= sl[ if / kzk' GIfL Joj;fo k|0ffnL lsl;d, cj;/ / rg' f}tLx¿ pNnv] ug{
##= lgjf{xd'vL / Joj;fodv' L Joj;fosf] JofVof ug{

dfWolds lzIff kf7\ojm| d -P]lR5s_, sIff ( / !) 21

#$= vfB, gub]jfnLsf] kl/ro / dxŒj atfpg
#%= ;fgf, demfn} f / 7n' f pBfu] , /fli6o« / cGt/fl{ i6o« pBfu] sf] kl/ro, cjl:ylt, lsl;d pNnv] ug{
#^= dflg; / k|sl[ t;Fusf] cGt/;DaGwsf] ;dLIff ug{
#&= dfgj ljsf;j|mdsf r/0fx¿ j0f{g ug{
#*= dflg; / jftfj/0flarsf] cGt/;DaGw klxrfg ug{
#(= dfgjLo ljm| ofsnfkdf jftfj/0fsf] k|efj -pmi0f, zdzLtfi] 0f, w|j' Lo a;fj] f; If]q_ klxrfg ug{
$)= ljZjsf] kd| v' hfltsf] kl/ro lbg
$!= ljZjsf] clys{ ljsf;df b'/L, hg3gTj / Jofj;flos ljljwLs/0fn] kfg]{ ke| fj pNnv] ug{
$@= ljZjsf] cflys{ k|bz] sf] kl/ro lbg
$#= gS;f lgdf0{ fsf ljlw -6l] ;ª, sfag{ uf| km, :jtGq, 6]DKn]6_ x¿sf] k|ofu] ug{
$$= ;dfR] r /]vfsf dfWodaf6 w/ftnLo :j¿ksf] lgdf{0f ug{
$%= ljleGg tYofªs\ sf] ko| f]u u/L rf6{ / u|fkm lgdf0{ f ug{
$^= uf| kmdf g]kfnsf] gS;f agfpg cEof; ug{] / lbOPsf tYox¿ pko'St ;ªs\ ]tx¿sf] ko| fu] u/L

lgdf0{ f ug{
$&= df};dL rf6{ / pks/0fx¿ pkof]u ug{
$*= gS;fdf kr| lnt lrxg\ (Conventional symbols) sf] ko| f]u ug{
$(= Effu} fl] ns cWoog e|d0f, k|ltj]bg nV] g / k:| tt' Ls/0f ug{

$= ljifoj:ts' f] If]q / j|md

j|m=;= ljifoIfq] sIff ( sIff !)
! e"uf]n
eu" fn] sf] kl/ro • eu" fn] sf] kl/efiff
Eff}lts e"ufn] • e"uf]nsf] cy{ / kl/efiff • If]q / dxŒj
• e"ufn] sf zfvfx¿sf] kl/ro
k[YjL / ;f}o{d08n
kY[ jL / ;f}od{ 08n • kY[ jLsf] ult -b}lgs, jflif{s /
• kY[ jLsf] pTklQ
• kY[ jLsf] agf]6 / o;sf] txx¿ To;sf] c;/x¿
• dxfb]z • kY[ jLsf] cfsf/, ed| 0f -cIfx¿df
• dxf;fu/
xg' ] ult_ / c;/ -lbg / /ft_
• Ct' / Ct' kl/jtg{ sf c;/x¿
• sIfdf k[YjLsf] ult

22 dfWolds lzIff kf7\oj|md -P]lR5s_, sIff ( / !)

cjl:yt / cjl:yt / ;do cjl:yt / ;do
;do
• cIffz+ , bz] fGt/ / kl| tnf]d • cIffz+ / ;do lgwf/{ 0f

• ;do :yfgLo k|dfl0fs / lu|gljr • cIff+z, b]zfGt/ / :yfgLo ;do /

;doIf]q -Time zone) kl| tnf]dsf] lgwf{/0f -dWofxg\ sf] ;"o{,
• cGt/f{li6o« ltly /]vfsf] kl/ro w|'jtf/fsf] prfO lgwf{/0f_

:ynd08n :ynd08n

• Kf[YjLsf aflx/L txsf] agfa6 • :yn:j¿k lgdf0{ fdf r66\ fgsf]

• r66\ fgsf] kl/ro / juL{s/0f, ljzi] ftf el" dsf / pkof]lutf

-kq] r6fg, cfUg]o / kl/jltt{ _ • Dff6fsf] kl/ro / ks| f/

• :ynLo :j¿k lgdf0{ fsf zlStx¿sf] • :ynfs[lt lgdf{0fsf zlStx¿sf]

kl/ro, cfGtl/s / afxo\ zlSt_ ;+}4flGts cjwf/0ff – cfGtl/s /

• cfGtl/s zlStn] lgdf0{ f x'g] afxo\ _

e:" j¿kx¿ -ky| d >0] fL dxfb]z / • cfsl:ds zlStaf6 lgdf{0f x'g]

dxf;fu/, låtLo >]0fL -kxf8 ,k7f/ / :ynfsl[ t

d}bfg_ • afx\o zlStaf6 lgdf{0f

Jffo'd08n M x'g] :ynfs[ltx¿ -ckIfo

• kl/ro, ;+/rgf, tx / km}nfj6 (Weathering) / ck/bg

• ;f}o{ zlSt / o;nfO{ ke| fj kfg{] (erosion_ -lxdgbL, gbL, tfn,
tŒjx¿ xfjf / e"ldut, hn u?' Tjfsif{0f_

• Tffk / rfksf] kl/ro / o;df ;f}o{ • ;fd'lbs| wf/ / Hjf/ef6fsf

zlStn] kfg]{ ke| fj c;/x¿

• Dff;} d / xfjfkfgLsf] kl/ro • Tf6Lo 5fn / To;sf c;/ /

xfjfkfgLdf dxf;fu/Lo k|efj

Jffod' 08n

• Tffksf k6] Lx¿ -pmi0f, ;dzLtf]i0f

/ zLt_

• Rffksf k]6Lx¿

• Jffo'd08nLo k|lj|mof jf:kLs/0f,

b|jLs/0f / pmWjt{ g -sublimation_

• Jffo'sf] pTklQ / lsl;d

• bj| Ls/0fsf :j¿k / lsl;d
• xfjfkfgLnfO{ ke| fj kfg{] tŒjx¿ /

xfjfkfgLsf k6] Lx¿

dfWolds lzIff kf7\oj|md -P]lR5s_, sIff ( / !) 23

gk] fnsf] eu" f]n -s_ Effu} fl] ns ljj/0f gk] fnsf] e"uf]n

-l:ylt, cfsf/, l;dfgf, Ifq] kmn -s_ g]kfnsf] ek" l/j]li7t cjl:ylt,

-v_ k|fb]lzs ljefhg / kf| bz] Ls/0fsf] kl/j]z / g]kfnsf] cGt/f{li6«o

cjwf/0ff l;dfgf_

!= k|fs[lts :j¿k -v_ ;ª3\ Lo eu" f]n

Ef}uf]lns k|bz] -pRr lxdfnL, pRrkjt{ Lo, != kf| s[lts :j¿k M

dWojtL{ kxf8L k|b]z l;jflns, t/fO{ xfjfkfgL, kf| s[lts jg:klt /

kb| ]z_ hLjhGt,' df6f] / vgLh, lxdgbL,

@= kofj{ /0fLo kb| z] -lxdfn, kxf8 / t/fO{ _ gbLgfnf / tfntno} f

#= ;ª3\ Lo tyf kz| f;lgs k|bz] x¿ @= k|zf;lgs ;+/rgf÷:yfgLo tx

-u_ g]kfnsf] xfjfkgLdf k|efj kfg{] • ufpkF flnsf / gu/kflnsf

tŒjx¿ -Uf_ zlSt / ;z+ fwg

!= xfjfkfgLsf k|b]zx¿ != k|fsl[ ts ;z+ fwgn] dfgj hLjg /

@= kf| sl[ ts k|bz] M jg:klt, hLjhGt', cflys{ Ifq] df kfg]{ dxŒj, ke| fj,

lxdgbL, gbL gfnf / tfntn}of ;d:of / ;dfwfg

-3_ zlSt / ;z+ fwg kl/ro / juL{s/0f @= k|fs[lts ;;+ fwgsf] ljsf; tyf

!_ kf| s[lts ;;+ fwg M hldg, df6f], Joj:yfkgdf /fHo, :yfgLo tx /

hª\un, hn;f| ]t, vlgh, ;f}Gbos{ ;db' fosf] e"ldsf

(Aesthetic) hl} js ljljwtf, ;f}o{, jfo' #= hg;ª\Vof / ljt/0fsf] ljljwtfn]

/ h}ljs pmhf{ kfg]{ k|efjx¿

@= dfgjLo zlSt / ;+zfwg M • a:tLsf k|sf/ / a:tL ljsf;sf]

• hg;ªV\ of / To;sf] ljt/0f k0| ffnL, cjwf/0ff

• a:tL ljt/0f k|0ffnL, a;fO;F /fOsf] • a;fO;F /fOn] kfg]{ ke| fjx¿ -pbu\ d

cjwf/0ff / uGtJodf kfg{] ke| fj_

• hgzlStsf k|sf/ • >dzlSt / ljk]|if0f / o;sf] k|efj

• ko6{ sLo ;z+ fwg • Dffgj ljsf; ;"rfª\s

-ª_ ljsf; / ljsf;sf k"jfw{ f/ -3_ ljsf; / Joj:yfkg

• oftfoft ;8s, xjfO{ hxfh, /Hh,' • oftfoft, pmhf,{ ;~rf/, lzIff,

/n] , hn :jf:Yosf] ke| fjx¿

• pmhf{ ljsf; -hnljB't,\ ;f}o{ zlSt / • sl[ if / kzk' IfL Joj;fo k|0ffnL

h}ljs_ lsl;d, cj;/ / rg' ft} L

• ;~rf/ • lgjfx{ dv' L / Joj;fodv' L s[lif

• lzIff • vfB / gub]jfnL

• :jf:Yo -ª_ pBfu] / Jofkf/ M

-r_ ks| f]k / o;sf k|sf/ • ;fgf, demf}nf / 7'nf pBfu] , /fli6«o

• af9L, klx/f], cfunfuL, es" Dk, / cGt/fl{ i6«o pBf]usf] kl/ro,

cfwLaF ]x/L, r6o\ fª, cl;gf / jGohGt' cjl:ylt, lsl;d

-r_ ks| f]k Go"gLs/0f / Joj:yfkg

24 dfWolds lzIff kf7\oj|md -Pl] R5s_, sIff ( / !)

Dffgj e"ufn] Dffgj e"ufn] sf] kl/ro Dffgj e"ufn]

• Dffgj e"ufn] sf] l;4fGt • Dfflg; / k|s[lt;uF sf]

• -lgotjfb, ;Dejjfb / gjlgotjfb_ cGt/;DaGwsf] ljZni] f0f

• ljZjsf] kf| sl[ ts kb| ]zdf hg;ª\Vofsf] • Dffgj ljsf;jm| d

ljt/0f / hg3gTj • Dfflg; / jftfj/0f

• dfgjLo ljm| ofsnfkdf jftfj/0fsf]

ke| fj -pmi0f, ;dzLtfi] 0f, w|'jLo

a;f]jf; If]q_

• ljZjsf] d'Vo d'Vo hfltsf] hLjg

k0| ffnL (Primitive, Cacesus,

Mongolid and Dravid)

cflys{ e"ufn] • ljZjsf] cly{s ljsf;df
b/' L, hg3gTj / Jofj;flos
cfly{s e"ufn] ljljlws/0fn] kfg{] k|efj (b'/L
• kl/ro (Distance), 3gTj (Density),
• =l;4fGt / ljljwtf (Diversity)
• cflys{ e"ufn] sf kIfx¿
• ;f| ]t ;fwg, sl[ if, pBfu] , Jofkf/ / • ljZjsf] clys{ kb| ]zsf] kl/ro
-cljsl;t, ljsf;f]Gd'v / ljsl;t_
Joj;fo

5 k|of]ufTds ko| fu] fTds eu" fn] ko| fu] fTds e"ufn]
eu" fn] -s_ dfglrqsf] cWoog • gS;f lgdf{0fsf ljlw -6«]l;ª, sfag{

( Map, atlas, Gogle esarth reading) u|fkm_
• ;jf]R{ r /v] fsf] dfWodaf6 w/ftnLo
-v_ dfglrqsf] cfwf/e"t tŒjx¿
-dfks (Scale), kr| lnt lrx\g :j¿ksf] lgdf0{ f ug{]
(Conventional signs) / kI| f]k0f • ljleGg tYofªs\ sf] ko| fu] u/L rf6{

(Projection) / u|fkm lgdf{0f ug{]
• Graph df gk] fnsf] gS;f agfpg
• gS;fsf] juLs{ /0f -dfg gfksf]
cfwf/df / kb| lz{t ;r" gfsf cfwf/df_ cEof; ug]{ / lbOPsf tYox¿
pko'St ;ªs\ ]tx¿sf] ko| fu] u/L
• gS;ffsf] l8hfOg lgdf0{ f ug{]
• rf6{sf] l8hfOg -j[Qlrq, :tDe_ • Conventional symbols sf] ko| f]u
• gS;f lgdf{0f • Eff}ufl] ns cWoog e|d0f / k|ltj]bg
• gk] fnsf] gS;f lgdf0{ f n]vg -sDtLdf # lbgsf_]
• Eff}uf]lns cWoog e|d0f / k|ltjb] g • Dff};dL rf6{ / pks/0fx¿sf]
pkof]u ug{
nv] g -sDtLdf # lbgsf]_ .

dfWolds lzIff kf7\ojm| d -P]lR5s_, sIff ( / !) 25

&= ljifoj:t'sf] PsfOut kf7\oef/ lgDgfg;' f/ /xs] f] 5 M

jm| =;= PsfO÷Ifq] pkIf]q kf7\oef/ -sIff (_ kf7o\ ef/ -sIff !)_
!= $ $
@ e"ufn] E"fuf]nsf] kl/ro ^@ ^@
!%
# Eff}lts e"ufn] !% #%
$ !^ !%
%= kY[ jL / ;fo} {d08n !^ !@
^= #% $@
cjl:yt / ;do !% !&)
!@
:ynd08n $@
!&)
Jffod' 08n

g]kfnsf] eu" fn]

Dffgj e"uf]n

cflys{ e"uf]n

ko| f]ufTds eu" fn]

hDdf

%= l;sfO ;xhLs/0f k|lj|mof

e"uf]n ljifo kf| s[lts tyf efu} f]lns cWoog;Fu ;DalGwt ljifo xf] . o; ljifosf] l;sfO ljm| ofsnfk
ubf{ ;}4flGts ljifoj:tn' fO{ ljBfyLs{ f] Jofjxfl/s hLjg;uF hf]8]/ ug{'kb5{ . l;sfO ;xhLs/0f
ljm| ofsnfkdf :yfgLo zI} fl0fs ;fdu|Lsf] k|ofu] u/L ljBfyLx{ ¿sf] ;ljm| o ;xeflutfdf hf8] lbg'kb5{ .
ljifoj:tc' g;' f/ :yfgLo :t/df cWoog ed| 0f u/fP/ k|ToIf cjnfs] g u/fpg ;sd] f l;sfO lbuf],
Jofjxfl/s / k|efjsf/L x'G5 . o;df pNn]v ul/Psf ljifoj:t'x¿sf] cWoog cWofkg u/fpbF f ;a}
Ifq] nfO{ plQs} dxŒj lbgk' g{] x'G5 . ;DalGwt ljifoj:ts' f] PsLst[ ¿kdf ;xhLs/0f u/fO{ ljifoj:ts' f]
1fg, l;k / wf/0ffsf] ljsf; u/fpg'k5{ . o; ljifon] afnaflnsfdf ;4} flGts / Jofjxfl/s kIfsf]
ljsf; u/fpg] dV' o p2Z] o /fvs] f] 5 . To;}n] eu" f]n ljifodf l;sfO ;xhLs/0f ubf{ ljleGg ks| f/sf
ljBfyL{ sl] Gb|t lzIf0f ljlwx¿ k|ofu] ug{'k5,{ h:t} M

-s_ k|ZgfQ] / ljlw -v_ kb| zg{ ljlw -u_ ;d:of ;dfwfg ljlw -3_ 5nkmn ljlw -ª_ cjnfs] g ljlw
-r_ vfh] ljlw -5_ clego ljlw -h_ kl/ofh] gf ljlw -em_ Ifq] e|d0f ljlw -6_ cfudg ljlw -7_
;dfnf]rgfTds lrGtg ljlw -8_ k|of]ufTds cflb .

pko'{St ljlwx¿ pbfx/0f dfq x'g\ . o; ljifodf oxL ljlw g} ke| fjsf/L xG' 5 eGg] xF'b}g . :yfgLo
kl/jz] , ljifoj:ts' f] ks| l[ t / :j¿ksf cfwf/df l;sfO ;xhLs/0fdf ljljwtf Nofpg ;lsG5 . lzIfsn]

26 dfWolds lzIff kf7\oj|md -P]lR5s_, sIff ( / !)

l;sfO ;xhLs/0f ubf{ ljBfyL{sf] pd]/, tx, ?lr, axa' fl} 4stf, dgf]lj1fg, ;fdflhs ki[ 7e"ld, ljBfyL{
;ª\Vof, zl} Ifs ;fduL| sf] pknAwtf cflb ;d]tnfO{ Wofg lbgk' g]{ 5 . ;xhLs/0f ubf{ ljBfyLx{ ¿sf]
;xeflutf Pjd\ ;fd"lxs tyf ;xof]ufTds l;sfOnfO{ kf| ]T;fxg ugk'{ g]{ 5 . ljBfyLn{ fO{ ;d:of ;dfwfg
ug{ ufxf| ] cK7o\ f/f] k/s] f] cj:yfdf pgLx¿sf] sdL sdhf]/LnfO{ /fd/| L cfNF} ofO{ lzIfsåf/f ;d:of
;dfwfg ug'{kg{] 5 . ljBfyL{x¿ l;hg{ f / kl| tefsf e08f/ xg' \ . To;}n] pgLx¿sf] kl| tef k|ikm'6gsf
nflu pkoS' t jftfj/0f l;hg{ f ugk{' 5{ . lzIfsn] Pp6f ;xh stfs{ f ¿kdf ljBfyLx{ ¿nfO{ ;xL af6f]
klxNofpg ;xofu] x'g'kb5{ . plNnlvt ljlwx¿sf cltl/St syf syg, dl:tis dGyg, sfoz{ fnf
ljlw, k|jrg ljlw, :ynut ;j{]If0f ljlw h:tf ljlwx¿ klg cfjZostfcg;' f/ k|of]u ugk'{ b{5 .

^= dN" ofª\sg k|ljm| of

kf7\ojm| dn] lgwf{/0f u/s] f p2]Zocg'¿k ljBfyL{x¿n] 1fg, l;k tyf clej[lQ k|fKt ug{ ;s] ;s]gg\
eGg] s/' f n]vfhf]vf ug{ dN" ofªs\ g xf] . ljBfyLx{ ¿sf] d"Nofª\sg ubf{ ;j{ky| d ck]lIft p2Z] onfO{
Wofg lbgk' b5{ . d"Nofª\sgsf ;fwgx¿ ljsf; ubf{ klg p2]Zocg'¿k l;sfOsf] ;a} :t/nfO{ ;d6] /]
ljsf; ug{k' b5{ . e"ufn] ljifodf ;fdfGotof d"Nofªs\ gsf bO' { k4lt cjnDag ug'k{ b5{ . lgdf0{ ffTds
/ lg0fo{ fTds d"Nofªs\ g k4lt .

lgdf0{ ffTds dN" ofªs\ g

eu" f]n ljifodf ljBfyL{x¿n] s] slt l;s] eGg] s'/f kQf nufO{ gl;ss] f] eP gl;Sgs' f sf/0f kQf
nufO{ k'gM l;sfOG5 eg] o:tf] d"Nofªs\ g kl| jm| ofnfO{ lgdf{0ffTds d"Nofªs\ g elgG5 . o:tf] d"Nofª\sg
sIffsf7] fdf sIff lzIf0f l;sfOs} cleGg cª\usf ¿kdf /xG5 . hxfF u[xsfo{, sIffsfo,{ kl/of]hgf
sfo,{ ;fdb' flos sfo,{ ;x÷cltl/St ljm| ofsnfk, PsfO k/LIff, dfl;s k/LIff h:tf d"Nofªs\ gsf
;fwgx¿sf] ko| f]u ug{ ;lsg] 5 . o:tf] d"Nofªs\ gsf nflu ljBfyL{sf] clenv] /fVg'k5{ . ;fs] f
cfwf/df g} l;sfO cj:yf olsg ul/G5 / cfjZostfg;' f/ pkrf/fTds lzIf0f l;sfO lj|mofsnfk
;~rfng ug'k{ 5{ . ljz]if l;sfO cfjZostf ePsf ljBfyL{sf nflu ljifo lzIfsn] g} pko'St k|ljm| of
ckgfO{ d"Nofªs\ g ugk'{ b5{ . lzIfsn] o:tf] ks| f/sf] d"Nofªs\ g hg';'s} ;dodf klg lg/Gt/ ¿kdf
ug'{kb{5 / ljBfyLx{ ¿df ;w' f/sf] jftfj/0f tof/ ul/lbg'kb5{ .

k|ofu] fTds dN" ofª\sg

ljBfyL{sf] ko| fu] fTds d"Nofªs\ gsf nflu @% k|ltzt cªs\ ef/ lgwf{/0f ul/Psf] 5 . ko| f]ufTds
d"Nofª\sg ubf{ ljBfyL{sf] lgdf0{ ffTds dN" ofª\sgsf] ;d]t cfwf/ lng'kg]{ 5 .

dfWolds lzIff kf7o\ j|md -P]lR5s_, sIff ( / !) 27

ko| fu] fTds dN" ofª\ssf nflu lgDgfg';f/sf k|ljm| of ckgfpgk' g{] 5 . ko| fu] fTds sfos{ f nflu sfos{ nfk
/ cªs\ ljefhg ljlzi6Ls/0f tflnsfdf lbOPsf] 5 .
— lglZrt ;doleq dfq dN" ofªs\ g gu/L lgoldt ¿kdf ljBfyLn{ ] u/s] f sfo{ / Jojxf/ kl/jtg{ sf]

cjnfs] g u/L dN" ofª\sg ug'{kg{] 5 .
— ljBfyL{x¿sf] sfo{ ;~rlosf kmfon -Portfolio_ agfO{ pgLx¿n] u/s] f sfo,{ xflh/L / ;ljm| otfsf

cfwf/df cª\s k|bfg ugk{' g]{ 5 .
— kT| os] PsfOaf6 sDtLdf Ps Pscf6] f kl/ofh] gf sfo{ jf Ifq] ed| 0f u/fO{ dN" ofªs\ g ugk{' g{] 5 .
— ljBfyLn{ ] u/]sf ;e{I] f0f sIff sfo{, kl/of]hgf sfo{, l;h{gfTds sfo{, l;kdn" s sfo{, vf]hd"ns

sfo{ cflb / ;f;] Fu ;DalGwt k|of]ufTds k/LIffnfO{ k|ofu] fTds d"Nofªs\ gsf] kd| 'v cfwf/
dflgg] 5 .
k|ofu] fTds d"Nofª\sgsf] kl/of]hgf sfo{ / Ifq] e|d0fafkt cªs\ kb| fg ubf{ ljBfyLn{ ] /fli6«o dxŒjsf
sfoj{ |mdcGtu{t ;Dkfbg u/]sf jf ofu] bfg lbPsf sfon{ fO{ ;d]t u0fgf ug{ ;lsg] 5 . km/s Ifdtf
ePsf ljBfyL{ / ax'af}l4stfnfO{ Vofn ub}{ pko'St d"Nofªs\ gsf ;fwg, ;|f]t / tl/sf k|ofu] u/L
dN" ofªs\ g ugk{' g]{ 5 .

lg0f{ofTds dN" ofª\sg

kf7o\ j|mdn] lgwf/{ 0f u/s] f p2]Zocg¿' k ljBfyLx{ ¿n] 1fg, l;k, clej[lQ k|fKt u/] gu/s] f] d"Nofªs\ g
u/L To;sf cfwf/df :t/ lgwf/{ 0f ug]{ lg0f{o lnOG5 eg] To:tf] d"Nofªs\ gnfO{ lg0fo{ fTds d"Nofª\sg
elgG5 . o:tf] d"Nofªs\ g cfjlws ¿kdf ug{] ul/G5 . o;sf nflu ko| fu] fTds tyf cfGtl/s
dN" ofªs\ gsf] @% kl| tzt / clGtd k/LIffsf nflu &% kl| tzt ef/ 5'6o\ fPsf] 5 . o; kf7\oj|mdsf]
cg;' r" Lsf ¿kdf dN" ofªs\ g k|lj|mof, cªs\ ljefhg tyf clGtd dN" ofª\sgsf nflu ljlzi6Ls/0f
tflnsf k|sfzg ul/g] 5 . ;DalGwt ljBfno, /fli6«o k/LIff af8] { tyf ;DalGwt cGo lgsfon]
;f]xLcg;' f/ k/LIff ;~rfng / ljBfyL{sf] :t/ jf u]|8 lgwf{/0f ugk'{ b{5 .

28 dfWolds lzIff kf7\oj|md -Pl] R5s_, sIff ( / !)

gful/s zf:q

!= kl/ro

gful/s hLjgsf] ;fys{ tf gful/sdf lglxt ljjs] , kf/:kl/s k|d] , ;lxi0ft' f, cfk;L ;xof]u, ;fdflhs
efjgf, c;n l5ds] Lkg, c;n cfbt, dtflwsf/sf] ;bk' of]u, stJ{ osf] plrt j|md lgwf{/0f cflbdf
e/ kb5{ . hLjgnfO{ ;'vL, ;d[4 / dfkgofU] o agfpgsf nflu x/s] gful/sn] gful/s zf:qsf]
cWoogåf/f pko{S' t d"NonfO{ cfcfk\mgf] hLjgdf ptfg{ ;Sg'kb5{ . o;}df :jod\ gful/s / gfulss
;dfhsf] sNof0f xG' 5 . oxL tYonfO{ xb[ oªu\ d u/L ljBfyLx{ ¿nfO{ gful/s zf:qsf] Jofjxfl/s 1fg,
l;k / clej[lQ ljsf; u/fpg] p2]Zon] of] kf7o\ jm| d tof/ ul/Psf] xf] .

@)$^ ;fnsf] P]ltxfl;s hgcfGbfn] gkl5 hf/L ePsf] gk] fnsf] ;ljwfg @)$& åf/f ;'/lIft
dfgjclwsf/ / lzIffdf ;dfg cj;/ kb| fg ug]{ p2Z] on] /fli6«o lzIff cfofu] sf] kl| tj]bg @)$(
sf] ;'emfjåf/f dfWolds txsf] kf7ojm| ddf P]lR5s ljifosf] ¿kdf gful/s zf:q ljifosf] cWofkg
u/fpg yflnPsf] xf] . /fli6o« kf7\oj|md kf| ¿k @)^# n] ;d]t o; ljifonfO{ Pl] R5s ljifosf] ¿kdf
cWofkg ug{] pNn]v u/]sf] 5 . jtd{ fg gk] fnsf] ;+ljwfgåf/f ;/' lIft dfgjclwsf/, clgjfo{ tyf
lgMzN' s lzIff, df}lns xs, gful/ssf] stJ{ o, lgjf{rg k4ltnufotsf ljifoj:ts' f;DaGwL 1fg tyf
l;k / ;sf/fTds ;f]rsf] ljsf; ug{] p2]Zon] of] ljifo ;dfj]z ul/Psf] xf] . /fli6«o kf7o\ j|md k|f¿k
@)^# df ePsf] Joj:yf / /fli6o« kf7o\ j|md ljsf; tyf d"Nofª\sg kl/ifbs\ f] lg0fo{ cg;' f/ gful/s
zf:q sIff ( / !) df P]lR5s ljifosf] ¿kdf /xg] Joj:yf u/]sf] x'Fbf ;f]cg¿' k of] kf7o\ jm| d tof/
ul/Psf] 5 . ;fKtflxs kf7o\ ef/ % / k0" ffª{ s\ !)) lgwf{l/t o; kf7\ojm| ddf lgDglnlvt ljifoj:t'
/ If]qx¿ ;dfj]z ul/Psf 5g\ M
!= gful/s zf:qsf] kl/ro
@= /fHo / ;/sf/
#= ;+ljwfg
$= :yfgLo, kf| b]lzs / ;ª3\ Lo tx
%= sfg'g / sfg'gL k|ljm| of
^= lgjf{rg k4lt
&= nf]stGq / dfgj clwsf/
*= /fhgLlts bn

dfWolds lzIff kf7\ojm| d -Pl] R5s_, sIff ( / !) 29

(= k//fi6« ;DaGwg / cGt/f{li6o« ;ª\u7gx¿
!)= ko| f]ufTds sfo{

o; kf7o\ jm| daf6 ljBfyL{x¿n] gful/s zf:qsf] cy{ / kl/ro lbg,] gful/ssf] kl/ro lbg] /
gful/ssf clwsf/ stJ{ ox¿kl| t ;r]t x'g] Ifdtfsf] ljsf; xg' ] 5. o;af6 ljBfyL{x¿ /fHo /
;/sf/sf] cjwf/0ff, :j¿k / d"No tyf dfGotf;uF kl/lrt eO{ Ps nugzLn, st{Jolgi7, Odfgbf/
/ c;n gful/s aGg ;xofu] kU' g] 5 . bz] sf] ;l+ jwfg, sfg'g tyf sfgg' L pkrf/ kl| jm| of;Fu kl/lrt
eO{ sfg'gsf] afw] ug{ ;Sg] xg' o;af6 ;xofu] k'Ug] 5 . lgjf{rg k4lt / kl| j|mof;Fu kl/lrt eO{
;xefuL xg' , /fhgLlts bnsf] kl/ro, bn vfN] g] cfwf/x¿, ;jfe{ f}ldstf, hgdt, dfgj clwsf/
h:tf ljifox¿df cfjZos 1fg tyf af]w ug{ klg o;af6 ;xofu] kU' g] 5 . bz] sf] ljsf;sf nflu
:yfgLo tx, k|b]z / ;ª3\ Lo ;/sf/sf] ljsf;sf nflu ljleGg txsf] e"ldsfx¿sf] af/]df cfjZos
hfgsf/L xfl;n ug{ klg o;af6 ;xof]u k|fKt xg' ] 5 . o;sf] cWoogn] ljBfyL{nfO{ k//fi6« gLltsf]
cjwf/0ff, ljzi] ftfx¿, ;o+ S' t /fi6;« ª\3 / ltgsf Ph]G;Lnufot cGo ;:+ yfx¿sf af/d] f cfjZos
1fg tyf l;k xfl;n u/L cfjZostfcg;' f/ k|of]u / kfngf ug{ ;Sg] agfpg] 5 . o;af6 ;Ifdtfdf
cfwfl/t kf7\ojm| d agfpg ;3fp kU' g] bl] vG5 . kf7\oj|md ljsf;sf] j|mddf cg'ejL lzIfs, kf| Wofks
Pjd\ o; Ifq] sf ljzi] f1 / ;/fs] f/jfnfx¿sf] /fo;e' mfjsf] cfwf/ lnPsf] 5 . o;nfO{ :t/Lo /
pkofu] L agfpg /rgfTds ;e' mfjsf] of] sG] b| ;b}j :jfut ub5{ .

@= txut ;Ifdtf

o; txsf] cGTodf ljBfyL{x¿df lgDgfg;' f/sf ;Ifdtfx¿ xfl;n xg' ] 5g\ M

-s_ gful/szf:qsf] cjwf/0ff afw] / k|:tl' t
-v_ gful/s zf:qsf] cGo ;fdflhs lj1fgsf ljifo;Fusf] ;DaGw klxrfg
-u_ gful/s r]tgf, gful/ssf] clwsf/ / stJ{ osf] af]w / kfngf
-3_ /fHosf] cjwf/0ff, :j¿k / cªu\ x¿sf] ljZni] f0f
-ª_ ;/sf/sf] cjwf/0f / ;/sf/sf cªu\ x¿lar -;Gt'ng / lgoGq0f_ cGt/;DaGwsf] JofVof
-r_ ;l+ jwfgsf] cjwf/0ff, ;|ft] , cfjZostf / ljzift] fx¿ klxrfg / ljZni] f0f
-5_ sfgg' sf] cjwf/0ff, ;|f]t / ljzi] ftfx¿ klxrfg / af]w
-h_ /fhgLlts bnx¿sf] u7g, p2]Zo / e"ldsfsf] ;dLIff
-em_ lgjf{rgsf] cjwf/0ff / k0| ffnLsf] afw] / cEof;
-`_ k//fi6« gLltsf] cjwf/0ff / ljz]iftfx¿ tyf c;n+ Ug k//fi6g« Lltsf] dxŒj ljZni] f0f
-7_ g]kfnsf] ;+ljwfgcg';f/sf tLg txsf ;/sf/sf] clwsf/ tyf sfoI{ fq] sf] af]w / k:| tl' t

30 dfWolds lzIff kf7\oj|md -P]lR5s_, sIff ( / !)

-8_ dfgj clwsf/sf] cjwf/0ff, clwsf/x¿sf] afw] / kfngf 31
-9_ nfs] tGq :jtGqtf / ;dfgtfsf] cjwf/0ffsf] af]w
-0f_ ;fs{ / ;+o'St /fi6;« ª3\ sf] p2Z] o / of]ubfgx¿sf] klxrfg / ljZni] f0f
-t_ g]kfnsf] ;fdflhs / cfly{s k0| ffnLx¿sf] j0f{g

#= sIffut l;sfO pknlAw

-s_ sIff ( sf sIffut l;sfO pknlAwx¿

sIff ( sf] cGTodf ljBfyL{x¿df lgDglnlvt l;sfO pknlAwx¿ xfl;n xg' ] 5g\ M
!= gful/s zf:qsf] kl/efiff / If]q atfpg
@= gful/szf:qsf] dxŒj / pkofl] utf j0fg{ ug{
#= gk] fndf gful/stf k|fKt ug{] cfwf/x¿ pNn]v ug{
$= gful/szf:q / cGo ;fdflhs lj1fglarsf] ;DaGw klxrfg ug{
%= ;l+ jwfgsf] kl/ro, ;|ft] , ljzi] ftfx¿ / g]kfnsf] ;+jw} flgs ljsf;jm| d pNnv] ug{
^= /fHosf] cjwf/0ff tyf /fHosf] pTklQsf l;4fGtx¿ Jf0fg{ ug{
&= cfwl' gs /fHosf sfo{x¿ pNn]v ug{
*= nf]stGqsf] kl/ro, cfjZostf / dxŒj JofVof ug{
(= nf]stGqsf nflu ePsf k|of;x¿ -lj=;= @))& bl] v xfn;Dd_ ljZn]if0f ug{
!)= g]kfndf nfs] tGqssf] ljsf;jm| d / nf]stGqsf r'gft} Lx¿ atfpg
!!= g]kfndf nf]stGqssf] ljsf;j|mdsf] j0fg{ ug{
!@= /fhgLlts bnx¿sf] p2]Zo, u7g / sfo{x¿sf] ljZni] f0f ug{
!#= ;/sf/sf] kl/ro / :j¿k pNn]v ug{
!$= Joj:yflksf sfo{kfnsf / Gofokflnsfsf] cGt/;DaGwsf] JofVof ug{
!%= lgjfr{ gsf] cy,{ kl/efiff / lgjfr{ gsf] cfjZostf atfpg
!^= lgjfr{ gsf lsl;d tyf :j¿k / gk] fnsf] lgjf{rg k|ljm| of j0fg{ ug{
!&= ;ª\3Lotfsf] cjwf/0ff atfpg
!*= :yfgLo txsf] ;+/rgf / clwsf/ pNn]v ug{
!(= sfgg' sf] kl/ro / sfgg' sf lsl;dx¿ Jf0fg{ ug{
@)= sfgg' sf ;f| t] x¿ klxrfg ug{

dfWolds lzIff kf7\oj|md -P]lR5s_, sIff ( / !)

@!= d'ns' L P]g / o;sf ljzi] ftfx¿ pNn]v ug{
@@= dlxnfx¿sf sfgg' L kxF'rsf] k|ljm| of JofVof ug{
@#= dfgj clwsf/sf] cjwf/0ff atfpg
@$= dfgj clwsf/sf] Ifq] df sfo/{ t ;ª3\ ;:Yffx¿sf] ofu] bfg ;dLIff ug{
@%= k//fi6g« Lltsf] p2Z] ox¿, dxŒj / cfwf/x¿ pNn]v ug{
@^= g]kfnsf] k//fi6« gLltsf] ;"rL tof/ ug{
@&= ;db' fo tyf bz] df x'g] ;d;fdlos 36gfjm| d;Fu kl/lrt eO{ ljZn]0f ug{
@*= ;d'bfo tyf dflg;sf] bl} gs hLjgdf cjnDag ug{'kg{] sfo{x¿sf] cEof;

-v_ sIff !) sf l;sfO pknlAwx¿

sIff !) sf] cGTodf ljBfyL{x¿df lgDglnlvt l;sfO pknlAwx¿ xfl;n x'g] 5g\ M
!= gful/s lzIffsf] cjwf/0ff atfpg
@= gful/ssf clwsf/ / stJ{ o pNn]v ug{
#= gful/ssf d"No dfGotfx¿ kfng ug{
$= gful/s / gful/ssf] dxŒj / gful/s lzIffsf r'gft} Lx¿ pNn]v ug{
%= ;/sf/sf] cy{, lsl;d / cfjZostf j0fg{ ug{
^= zf;sLo :j¿k / o;sf ks| f/x¿sf] ;dLIff ug{
&= zf;g ;~rfngsf ljlwx¿ JofVof ug{
*= g]kfnsf] ;l+ jwfgsf] k|dv' ljzi] ftfx¿ k|:t't ug{
(= ;+ljwfg lgdf{0fsf k|ljm| ofsf r/0fx¿sf] ;r" L tof/ ug{
!)= @))$ bl] v @)&@ ;Ddsf g]kfnsf ;l+ jwfgx¿sf kd| v' ljzi] ftfx¿sf] ;r" L tof/ ug{
!!= ;+ljwfg sfofG{ jogsf rg' f}tLx¿ j0f{g ug{
!@= g]kfnsf] ;l+ jwfgdf /fhgLlts bn;DaGwL Joj:yf klxrfg ug{
!#= g]kfndf sfgg' L pkrf/ k|ljm| ofsf] ljBdfg cj:yf ljZn]if0f ug{
!$= sfgg' L pkrf/sf] cEof;sf ;an / ;'wf/ ug'k{ g{] kIf klxrfg ug{
!%= hgdtsf nflu cfjZos ;t{xx¿ / dfWodx¿sf] klxrfg ug{

32 dfWolds lzIff kf7o\ jm| d -P]lR5s_, sIff ( / !)

!^= @)#^ ;fnsf] hgdt ;ªu\ |x / o;sf] dxŒj atfpg
!&= ;fje{ f}ldstf, :jtGqtf / ;dfgtfsf] cy{, kl/efiff / dxŒj atfpg
!*= Dffgj clwsf/sf] cjwf/0f, ljsf;jm| d, gk] fndf dfgj clwsf/;Da4 ;:+ yfx¿sf] kl/ro lbg
!(= kf| bl] zs / ;ª\3Lo txlarsf] tn' gf ug{
@)= Zff;gsf] :j¿k / clwsf/sf] j0fg{ ug{
@!= /fhgLlts bnsf] u7g, p2]Zo / cfjZostf pNnv] ug{
@#= /fhgLlts bnsf] ljutsf] el" dsf / /fhgLlts bnsf sfox{ ¿ JofVof ug{
@@= sfg'gL pkrf/df b]lvPsf ;d:of tyf ;dfwfgsf pkfox¿
@#= ;fje{ f}ldstfsf] cy{, kl/efiff / dxŒj atfpg
@$= :jtGqtfsf] cy,{ kl/efiff / dxŒj pNn]v ug{
@%= ;dfgtfsf] cy,{ kl/efiff / dxŒj JofVof ug{
@^= dfgj clwsf/sf] ljZjJofkL cjwf/0ff / ljsf;j|mdsf] JofVof ug{
@&= gk] fndf dfgj clwsf/;Da4 ;+:yfx¿ / ltgsf] ofu] bfgsf] ;r" L tof/ ug{
@*= ;dfj]lztfsf] cy,{ kl/efiff / dxŒj pNn]v ug{
@(= ;fs{sf] e"ldsf pNNfv] ug{
#)= ;oS' t /fi6«;ª\3 / o;sf cª\ux¿sf] j0f{g ug{
#!= cGt/f{li6o« zflGtdf g]kfnsf] ofu] bfg vfh] L ug{
#@= cfl;ofg, lad:6]s / o/' f]lkog o'lgogsf] kl/ro / sfo{x¿ pNn]v ug{
##= ;d'bfo tyf b]zdf xg' ] ;d;fdlos 36gfj|md;Fu kl/lrt eO{ ljZn]if0f ug{
#$= ;d'bfo tyf dflg;sf] b}lgs hLjgdf cjnDag ugk'{ g{] sfo{x¿sf] Jofjxfl/s cEof; ug{

dfWolds lzIff kf7\oj|md -Pl] R5s_, sIff ( / !) 33

$= ljifoj:ts' f] Ifq] / j|md

jm| =;= ljifo sIff ( sIff !)
!= Gfful/s zf:q • gful/s zf:qsf] cy{ / • gful/s lzIffsf]

@= /fHo / ;/sf/ kl/efiff, If]q, dxŒj / cjwf/0ff, kl| j|mof,
pkofl] utf p2Z] o, dxŒj /
• Gfful/ssf] cy{ / kl/ro r'gf}ltx¿
• g]kfndf gful/stf kf| Kt ug]{ • gful/ssf clwsf/ /
cfwf/x¿ st{Jox¿
• gful/s zf:q / cGo ;dflhs • c;n gful/ssf d"No
lj1fg larsf] ;DaGw dfGotfx¿
• Gfful/s / o;sf] dxŒj
• /fHosf] cjwf/0ff • ;/sf/sf
• /fHo pTklQsf l;4fGtx¿ cªu\ x¿ -Joj:yflksf,
-b}jLzlSt l;4fGt, lkt;[ QfTds sfo{kflnsf /
Gofokflnsf larsf]
tyf dft;[ QfTds l;4fGt, cGt/;DaGw
zlStdf cfwfl/t l;4fGt, • zlSt k[ysLs/0f,
;fdflhs ;Demft} fdf cfwfl/t ;Gtn' g / lgoGq0f
l;4fGt / ljsf;jfbL l;4fGt_ • ;/sf/sf] cy,{ lsl;d
• /fHosf tŒjx¿ / cfjZostf
• cfw'lgs /fHosf sfo{x¿ • zf;sLo :j¿k /
• ;fef/ / o;sf :j¿k o;sf k|sf/x¿

34 dfWolds lzIff kf7\ojm| d -Pl] R5s_, sIff ( / !)

#= ;l+ jwfg • ;+ljwfgsf] cy{ / kl/efiff • gk] fnsf] ;+ljwfgsf]

• ;l+ jwfgsf] cfjZostf / kl/ro

lsl;d • k|dv' ljz]iftfx¿

• ;+ljwfgsf] ljsf;jm| d • lgdf{0f kl| j|mof

• ;+ljwfgsf] ;f| t] • @))$ b]lv @)&@

• c;n ;+ljwfgsf ljz]iftfx¿ ;Ddsf gk] fnsf

;l+ jwfgx¿sf k|dv'

ljzi] ftfx¿

• ;l+ jwfg sfof{Gjogsf

r'gf}tLx¿

$= :yfgLo tx, • ;ª3\ Lotfsf] cjwf/0ff • ;ª\3Lo tx

kf| b]lzs tx / ;ª3\ Lo • :yfgLo tx -ufpFkflnsf, • k|fbl] zs tx

tx gu/klfnsf_ • Zf;gsf] :j¿k /

clwsf/sf] ljefhg

%= sfgg' / sfgg' L • sfgg' sf] cy{ / kl/efiff • gk] fndf sfgg' L pkrf/

pkrf/ kl| jm| of • sfgg' sf lsl;dx¿ kl| jm| ofsf] ljBdfg

• sfgg' sf ;|ft] x¿ cj:yf

• dn' 'sL Pg] / o;sf ljzi] ftfx¿ • :yfgLo, k|fb]lzs /

• dlxnfx¿sf sfgg' L kx'rF ;ª\3Lo Joj:yfdf

Gofokflnsf

• sfgg' L pkrf/sf]

cEof;

• sfgg' L pkrf/df

b]lvPsf ;d:of tyf

;dfwfgsf pkfox¿

dfWolds lzIff kf7\oj|md -P]lR5s_, sIff ( / !) 35

^= lgjfr{ g k4lt lgjf{rg Hfgdt

&= Nffs] tGq / dfgj • lgjf{rgsf] cy{, kl/efiff / • hgdtsf] kl/ro
clwsf/
lgjf{rgsf] cfjZostf • hgdtsf nflu

• lgjf{rgsf lsl;d tyf :j¿k cfjZos ;tx{ x¿

-;dfgk' flts==== • hgdtsf dfWodx¿

• gk] fnsf] lgjf{rg kl| j|mof • @)#^ ;fnsf] hgdt

-:yfgLo tx, k|fbl] zs tx / ;ªu\ |x / o;sf] dxŒj

;ª3\ Lo tx_

• nfs] tGqsf] cy{ / kl/efiff • ;fj{ef}ldstfsf] cy,{

• nfs] tGqsf] dxŒj / cfjZostf kl/efiff / dxŒj

• gk] fndf nfs] tGqssf] • :jtGqtfsf] cy{,kl/efiff

ljsf;j|md / dxŒj

• nfs] tGqsf nflu ePsf • ;dfgtfsf] cy{, kl/efiff

ko| f;x¿ -lj=;= @))& b]lv / dxŒj

xfn;Dd_ • Dffgj clwsf/sf]

• nf]stGqsf r'gf}tLx¿ ljZjJofkL cjwf/0ff /

• nf]stflGqs cEof; -sIffsf7] f, ljsf;j|md

ljBfno =====_ • g]kfndf dfgj

clwsf/ ;Da4 ;+:yfx¿

/ ltgsf] of]ubfg

• ;dfjl] ztfsf] cy{ /

dxŒj

36 dfWolds lzIff kf7\oj|md -P]lR5s_, sIff ( / !)

* /fhgLlts bn • /fhgLlts bnsf] cjwf/0ff • gk] fnsf] ;l+ jwfgdf
• /fhgLlts bnsf] u7g, p2Z] o /fhgLlts bn;DaGwL
• /fhgLlts bnsf] ljutsf] Joj:yf

e"ldsf • /fhgLlts bnsf
• /fhgLlts bnsf sfo{x¿ r'gf}tLx¿

• Nffs] tGqsf]
;b' [9Ls/0fsf nflu
/fhgLlts bnsf] e"ldsf

( k//fi6« gLlt / cGt/ • k//fi6« gLltsf] cy{, kl/efiff / • ;fs{sf] e"ldsf

f{li6«o ;ª\u7gx¿ p2Z] ox¿, dxŒj / cfwf/x¿ • cfl;ofg, lad:6s] /

• c;n+ Ug k//fi6« gLlt o'/fl] kog ol' gog

• ;oS' t /fi6«;ª\3 /

o;sf cªu\ x¿

• cGt/f{li6«o zflGtdf

g]kfnsf] el" dsf

!) k|of]ufTds sfo{ • ;d'bfosf] ed0| f / kl| tjb] g • ;d'bfodf Dffgj

• :yfgLo txsf] cjnfs] g / clwsf/sf] cj:yf

kl| tjb] g • Zff;g ;~rfng kl| jm| of

• ;d;fdlos ljifodf jSt[Tjsnf • ;d;fdlos ljifoj:t'

/ gd'gf cEof; • :yfgLo ;ª\3

• :yfgLo txaf6 xg' ] Gofo / ;:+ yfx¿af6 ePsf

sfgg' L kl| j|mof of]ubfg

• kl/of]hg sfo{

• cjnfs] g / kl| tj]bg

dfWolds lzIff kf7\ojm| d -Pl] R5s_, sIff ( / !) 37

&= ljifoj:t'sf] PsfOut kf7oef/

j|m=;= PsfO÷Ifq] kf7\oef/ -sIff (_ kf7\oef/ -sIff !)_
!= gful/s zf:q !) !)
@= /fHo / ;/sf/ !@ !@
#= ;l+ jwfg
$= :yfgLo tx, kf| b]lzs tx / ;ª\3 !%±!Ö !^ !%±!Ö !^
!$±!Ö !% !$±!Ö !%

%= sfgg' / sfgg' L pkrf/ kl| j|mof !% !%
!!±!Ö !@
^= lgjf{rg k4lt !!±!Ö !@ !$±!Ö !%

&= Nffs] tGq / dfgj clwsf/ !$±!Ö !% !@
@)
*= /fhgLlts bn !@
$@
(= k//fi6« gLlt / cGt/fl{ i6«o @) !&)
;ª\u7gx¿

!) k|ofu] fTds sfo{ $@

hDdf !&)

kf7o\ ef/ / kf7\o306f

dfWolds txdf k7gkf7g ;~rfngsf nflu ;fdfGotof $% ldg6] sf] Ps 3G6L x'g] 5 .

^= l;sfO ;xhLs/0f k|ljm| of

gful/s zf:q ljifo c;n gful/s ljsf;;Fu ;DalGwt / ;fGble{s ljifo xf] . o; ljifosf]
l;sfO lj|mofsnfk ;~rfng ;}4flGts ljifoj:t'nfO{ ljBfyLs{ f] Jofjxfl/s hLjg;Fu hf]8]/
ug{'kb{5 . lzIf0f l;sfO ljm| ofsnfkdf :yfgLo z}lIfs ;fduL| sf] ko| f]u u/L ljBfyL{x¿ ;ljm| o
;xeflutfdf hf]8 lbg'kb{5 . ljifoj:tc' g;' f/ :yfgLo :t/df cWoog ed| 0f u/fP/ k|ToIf cjnfs] g
u/fpg ;s]df l;sfO lbuf,] Jofjxfl/s / k|efjsf/L xG' 5 . o;df pNnv] ul/Psf ljifoj:t'x¿sf]
cWoog cWofkg u/fpFbf ;a} Ifq] nfO{ plQs} dxŒj lbg'kg]{ x'G5 . ;DalGwt ljifo j:ts' f] PsLst[
¿kdf ;xhLs/0f u/fO{ ljifoj:t'sf] 1fg, l;k / wf/0ffsf] ljsf; u/fpgk' 5{ . o; ljifon]
afnaflnsfdf ;4} flGts / Jofjxfl/s kIfsf] ljsf; u/fpg] d'Vo p2Z] o /fvs] f] 5 . To;}n]

38 dfWolds lzIff kf7\ojm| d -P]lR5s_, sIff ( / !)

gful/s zf:q ljifodf l;sfO ;xhLs/0f ubf{ ljleGg k|sf/sf ljBfyL{ s]lGb|t lzIf0f ljlwx¿ k|of]u
ug'k{ 5{ . o; txsf nflu lgDgfg';f/sf ljlw ko| fu] ug{ pkoS' t xG' 5 M

-s_ kZ| gf]Q/ ljlw -v_ kb| z{g ljlw -u_ ;d:of ;dfwfg ljlw -3_ 5nkmn ljlw -ª_ cjnfs] g
ljlw -r_ vfh] ljlw -5_ clego ljlw -h_ kl/of]hgf ljlw -em_ Ifq] ed| 0f ljlw -6_ cfudg ljlw
-7_ ;dfnf]rgfTds lrGtg ljlw cflb .

pko'S{ t ljlwx¿ pbfx/0f dfq xg' \ . o; ljifodf oxL ljlw g} k|efjsf/L xG' 5 eGg] xb'F g} . :yfgLo
kl/jz] , ljifoj:ts' f] k|s[lt / :j¿ksf cfwf/df z}Ifl0fs ljlw rog u/L l;sfO ;xhLs/0fdf ljljwtf
Nofpg ;lsg] 5 . gful/s ljifosf] l;sfO lj|mofsnfkdf ;"rgf kl| jlwsf] ;d]t k|ofu] u/L l;Sg ;Sg]
jftfj/0f tof/ ug'k{ g{] 5 . lzIfsn] l;sfO ;xhLs/0f ubf{ ljBfyL{sf] pd]/, tx, ?lr, ax'af}l4stf,
dgfl] j1fg, ;fdflhs ki[ 7e"ld, ljBfyL{ ;ª\Vof, zl} Ifs ;fduL| sf] pknAwtf cflb ;d]tnfO{ Wofg lbg'kg{]
5 . o; ljifonfO{ Jofjxfl/s cWoogsf ¿kdf ljBfyL{ sl] Gbt| l;sfO kl| j|mof cl3 a9fpg'kb{5 .
ko| fu] fTds sfos{ f nflu ljBfyL{x¿nfO{ cjnfs] g ed|0fnufotsf ljm| ofsnfkx¿ ubf{ zLif{s rog u/L
;f]sf cfwf/df u/fpgk' b{5 . ;xhLs/0f ubf{ ljBfyLx{ ¿sf] ;xeflutf Pjd\ ;fdl" xs tyf ;xofu] fTds
l;sfOnfO{ k|f]T;fxg ug{k' g]{ 5 . ljBfyL{nfO{ ;d:of ;dfwfg ug{ ufx|f] cK7\of/f] k/s] f] cj:yfdf
pgLx¿sf] sdL sdhf]/LnfO{ /fd/| L cfN}F ofO{ lzIfsåf/f ;d:of ;dfwfg ug{'kg]{ 5 . ljBfyL{x¿ l;hg{ f
/ k|ltefsf e08f/ x'g\ . To;n} ] pgLx¿sf k|ltef k|:km6' gsf nflu pko'St jftfj/0f l;h{gf ug'{kg{]
5 . lzIfsn] Pp6f ;xhstfs{ f ¿kdf ljBfyL{x¿nfO{ ;xL af6f] b]vfpg ;xofu] k'¥ofpgk' g]{ 5 .
plNnlvt ljlwx¿sf cltl/St syfsyg dl:tis dGyg, sfo{zfnf ljlw, kj| rg ljlw, ;j]{ ljlw h:tf
ljlwx¿ klg cfjZostfcg';f/ k|ofu] ug{k' g]{ 5 .

^= d"Nofª\sg k|ljm| of

kf7\ojm| dn] lgwf/{ 0f u/]sf p2]Zocg¿' k ljBfyL{x¿n] 1fg, l;k tyf clejl[ Q k|fKt ug{ ;s] ;sg] g\
eGg] s/' f kQf nufpg] dxŒjk0" f{ kl| j|mof dN" ofª\sg xf] . ljBfyL{x¿sf] dN" ofªs\ g ubf{ ;jk{ y| d ck]lIft
p2Z] onfO{ Wofg lbg'kb5{ . dN" ofªs\ gsf ;fwgx¿ ljsf; ubf{ klg p2]Zocg¿' k l;sfOsf :t/nfO{
;d]6]/ ljsf; ugk{' b{5 . gful/s zf:q ljifodf ;fdfGotof d"Nofªs\ gsf lgdf0{ ffTds / lg0f{ofTds
dN" ofªs\ g bO' { k4lt cjnDag ug'{kb{5 .

lgdf0{ ffTds d"Nofªs\ g

gful/s zf:q ljifodf ljBfyLx{ ¿n] s] slt l;s] eGg] s'/f kQf nufO{ gl;s]sf] eP gl;ss] f sf/0f
t?' Gt klxrfg u//] kg' M l;sfOG5 jf tof/ ul/G5 eg] o:tf] d"Nofªs\ g k|ljm| ofnfO{ lgdf0{ ffTds

dfWolds lzIff kf7\ojm| d -P]lR5s_, sIff ( / !) 39

dN" ofª\sg elgG5 . o:tf] dN" ofª\sg sIffsf]7fdf l;sfO ;xhLs/0f k|lj|mofs} cleGg cªu\ sf
¿kdf u[xsfo{, sIffsfo{, kl/of]hgf sfo,{ :ynut cjnf]sg k|ltjb] g nv] g sfo,{ ;fdb' flos sfo,{
;x÷cltl/St ljm| ofsnfk, PsfO k/LIff, dfl;s k/LIff h:tf d"Nofªs\ gsf ;fwgx¿sf] ko| fu] ug{
;lsg] 5 . o:tf] dN" ofª\sgsf nflu ljBfyLs{ f] clenv] /fVgk' 5{ . ;f]sf] cfwf/df g} l;sfO cj:yf
olsg ul/G5 / cfjZostfg';f/ pkrf/fTds l;sfO ;xhLs/0f k|lj|mof ;~rfng ugk'{ 5{ . ljz]if
l;sfO cfjZostf ePsf ljBfyLs{ f nflu ljifo lzIfsn] g} pkoS' t kl| j|mof ckgfO{ d"Nofª\sg ugk{' g{]
5 . gful/s zf:q ljifodf o; k|sf/sf] dN" ofªs\ g kl| jm| ofn] 7'nf] dxŒj /fV5 . lzIfsn] o:tf]
ks| f/sf] d"Nofª\sg hg';'s} ;dodf klg lg/Gt/ ¿kdf ug{k' b{5 / ljBfyLx{ ¿df ;w' f/sf] jftfj/0f
tof/ ul/lbgk' b5{ .

ko| f]ufTds dN" ofª\sg

ljBfyLs{ f] ko| f]ufTds d"Nofª\sgsf nflu @% k|ltzt cª\sef/ lgwf/{ 0f ul/Psf] 5 . ko| fu] fTds
dN" ofªs\ g ubf{ ljBfyLs{ f] lgdf0{ ffTds dN" ofªs\ gsf] ;d]t cfwf/ lng'kg{] 5 .
ko| fu] fTds dN" ofªs\ sf nflu lgDgfg';f/sf k|ljm| of ckgfpg]kg]{ 5 . k|of]ufTds sfos{ f nflu sfo{snfk
/ cªs\ ljefhg ljlzi6Ls/0f tflnsfdf lbOPsf] 5 .
— lglZrt ;doleq dfq d"Nofª\sg gu/L lgoldt ¿kdf ljBfyLn{ ] u/]sf sfo{ / Jojxf/ kl/jtg{ sf]

cjnf]sg u/L d"Nofª\sg ugk{' g]{ 5 .
— ljBfyL{x¿sf] sfo{ ;~rlosf kmfon -Portfolio_ agfO{ pgLx¿n] u/]sf sfo,{ xflh/L / ;ljm| otfsf

cfwf/df cªs\ kb| fg ug{k' g]{ 5 .
— kT| os] PsfOaf6 sDtLdf Ps Pscf6] f kl/ofh] gf sfo{ jf Ifq] ed| 0f u/fO{ dN" ofªs\ g ugk{' g{] 5 .
— ljBfyLn{ ] u/s] f ;eI{] f0f sIff sfo,{ kl/ofh] gf sfo,{ l;hg{ fTds sfo,{ l;kdn" s sfo,{ vfh] dn" s sfo{

cflb / ;f;] uF ;DalGwt ko| fu] fTds k/LIffnfO{ ko| fu] fTds dN" ofªs\ gsf] kd| v' cfwf/ dflgg] 5 .
ko| fu] fTds dN" ofª\sgsf] kl/of]hgf sfo{ / If]q ed| 0fafkt cªs\ kb| fg ubf{ ljBfyL{n] /fli6«o dxŒjsf
sfo{j|mdcGtut{ ;Dkfbg u/]sf jf of]ubfg lbPsf sfon{ fO{ ;d]t u0fgf ug{ ;lsg] 5 . km/s Ifdtf
ePsf ljBfyL{ / axa' fl} 4stfnfO{ Vofn ub}{ pkoS' t dN" ofªs\ gsf ;fwg, ;|f]t / tl/sf k|ofu] u/L
d"Nofª\sg ug{k' g{] 5 .

40 dfWolds lzIff kf7\ojm| d -Pl] R5s_, sIff ( / !)

lg0fo{ fTds d"Nofªs\ g

kf7\ojm| dn] lgwf{/0f u/]sf p2]Zocg¿' k ljBfyL{x¿n] 1fg, l;k, clejl[ Q k|fKt u/] gu/s] f] d"Nofªs\ g
u/L To;sf cfwf/df :t/ lgwf{/0f ug{] lg0fo{ lnOG5 eg] To:tf] d"Nofªs\ gnfO{ lg0f{ofTds d"Nofªs\ g
elgG5 . o:tf] dN" ofª\sg cfjlws ¿kdf ug]{ ul/G5 . o;sf nflu ko| f]ufTds tyf cfGtl/s
dN" ofªs\ gsf] @% kl| tzt / clGtd k/LIffsf nflu &% k|ltzt ef/ 5'6\ofPsf] 5 . o; kf7\oj|mdsf]
cg';r" Lsf ¿kdf d"Nofªs\ g k|ljm| of, cªs\ ljefhg tyf clGtd d"Nofªs\ gsf nflu ljlzi6Ls/0f
tflnsf k|sfzg ul/g] 5 . ;DalGwt ljBfno, /fli6«o k/LIff af]8{ tyf ;DalGwt cGo lgsfon]
;fx] Lcg';f/ k/LIff ;~rfng / ljBfyL{sf] :t/ jf u|]8 lgwf/{ 0f ugk'{ b5{ .

dfWolds lzIff kf7o\ j|md -Pl] R5s_, sIff ( / !) 41

cyz{ f:q

!= kl/ro

ljBfno lzIffsf] dfWolds tx -sIff ( / !)_ df clgjfo{ ljifoafx]s yk bO' { P]lR5s ljifo cWofkg
x'g] Joj:yf ul/Psf] 5 . o;}sf] sfof{Gjogsf jm| ddf Pl] R5s ky| d ljifosf ¿kdf dflg;sf] bl} gs
hLjg;Fu ;DalGwt ljifo cyz{ f:q 5gf6] ul/Psf] xf] . cyz{ f:qsf] cfwf/e"t l;4fGt / Jojxf/,
3/]n' cy{zf:q Pjd\ g]kfnsf] cy{ Joj:yfaf/] 1fg, l;k / clejl[ Q ljsf; ug]{ clek|fon] of] ljifo
;dfjz] ul/Psf] xf] . /fli6«o kf7\ojm| d ljsf; tyf d"Nofª\sg kl/ifb\af6 :jLs[t eO{ sIff ( / !) df
!))÷!)) k"0ffª{ s\ sf] P]lR5s cy{zf:q ljifo 56' \6f5'6\6} k7g kf7g xFb' } cfO/xs] f] 5 . o; ljifosf]
;fKtflxs kf7oef/ % /xs] f] 5 .

lzIffsf /fli6o« p2]Zo xfl;n ug{sf nflu ljBfno txsf] kf7ojm| dsf] kl/dfhg{ tyf ljsf;dfkmt{
o;sf] ;fGble{stf / pkoS' ttf ;'lglZrt ug]{ g]kfn ;/sf/sf] gLltcg';f/ ljifo ljz]if1, kf7\oj|md
lj1, ljifout lzIfs, ljBfyL{ / ;/f]sf/jfnfx¿sf] ;dt] /fo k/fdz{ / ;'emfjdf cfwfl/t eO{ of]
kf7o\ j|md ljsf; ul/Psf] xf] . dfWolds txsf] sIff ( / !) sf] cy{zf:q ljifosf] kf7o\ j|mddf
lgDglnlvt ljifoj:t' ;dfjz] ul/Psf 5g\ M

sIff ( df ;dfjz] ul/Psf ljifoj:t'

!= cy{zf:qsf] kl/ro @=pkof]lutf ljZni] f0f
$= pTkfbgsf ;fwgx¿
#= dfu, kl" t{ / ;Gtn' g ^= gk] fnsf cfly{s ;fwgx¿
*= pTkfbgsf l;4fGt
%= /fli6«o cfo !)= ;d;fdlos cfly{s d'2fx¿

&= gk] fndf s[lif, ;xsfl/tf / pBf]u

(= 3/fo;L cyz{ f:q

sIff !) df ;dfj]z ul/Psf ljifoj:t'

!= nfut tyf cfo ajm| /v] fx¿ @= pTkfbgsf] dN" o lgWff{/0f
$= db' |f, a}ªl\ sª tyf u/} a}ª\lsª ljQLo ;:+ yf
#= pTkfbgsf ;fwgsf] dN" o lgwf/{ 0f l;4fGt ^= ljsf; cyz{ f:q
*= gk] fndf cflys{ ofh] gf
%= ;fj{hlgs ljQ !)= tYofª\sLo cf}hf/x¿

&= cGt/f{li6«o Jofkf/

(= cy{zf:qdf tYofªs\ zf:q

42 dfWolds lzIff kf7o\ jm| d -Pl] R5s_, sIff ( / !)

plNnlvt ljifoj:ts' f] ;xhLs/0fsf nflu sIff ( / !) df !&)÷!&) 3G6L sfod u/L Ifq] ut
¿kdf ;dt] af8F kmfF8 ul/Psf] 5 . o;df ljifoj:ts' f] ;Ldf lgwf{/0f ul/g'sf ;fy} l;sfO ljm| ofsnfk
/ d"Nofªs\ g kl| jm| ofnfO{ a9L Jofjxfl/s / j:t'ut agfpg] ko| f; ul/Psf] 5 . ljBfno txsf]
kf7o\ jm| dsf] ke| fjsf/L sfofG{ jog ug{] kd| 'v el" dsf ljifo lzIfssf] /xG5 . kf7o\ jm| d ljsf; /
kl/dfhg{ sfo{ ;do;fkI] f / lg/Gt/ kl/dfhg{ xF'b} hfg] kl| j|mof xf] . t;y{ o; kf7o\ j|mdnfO{ ;fy{s,
;fGbles{ / hLjgf]kof]uL agfpg] sfddf lzIffljb,\ a'l4hLjL, ljBfyL{, cleefjs nufot ;d:t
kIfaf6 /rgfTds ;xofu] xg' ] sG] bs| f] ljZjf; /xs] ]f 5 .

@= txut ;Ifdtf

o; txsf] cGTodf ljBfyLx{ ¿df lgDgcg';f/sf ;Ifdtfx¿ ljsf; x'g] ck]Iff ul/Psf] 5 M

!= cy{zf:q -Joli6 / ;dli6_ sf ;fdfGo l;4fGt, lgod tyf Jojxf/sf] af]w / k|:tl't
@= gk] fnsf] cyt{ Gqsf ljljw kIfsf] cjwf/0ff / ljzi] ftf klxrfg
#= cfly{s lj|mofsnfk;uF ;DalGwt 1fg, l;k / clej[lQsf] ljsf; / ljjs] k"0f{ cflys{ lg0fo{
$= 3/fo;L cyz{ f:qsf] cjwf/0ff / Jofjxfl/s k|ofu]
%= ;d;fdlos cfly{s d'2fx¿sf] klxrfg, ;d:of / ;dfwfgsf pkfox¿
^= cflys{ j[l4 / ljsf; Pjd\ ;dli6ut cflys{ ;"rsx¿sf] klxrfg / ljZni] f0f
&= ;fjh{ lgs ljQ, d'b|f, jª} l\ sª / cGt/f{li6«o Jofkf/sf ljljw kIfsf] hfgsf/L
*= gk] fnsf kf| s[lts / cfly{s ;|f]t;fwgx¿sf] jtd{ fg cj:yfsf] afw] tyf k:| tl' t
(= tYofª\sLo sfos{ f] ;fdfGo hfgsf/L tyf Jofjxfl/s ko| f]u
!)=ahf/, cfDbfgL / nfutsf] af]w / k|:tl' t
!!= ljsf; cy{zf:qsf] cjwf/0ff;Fu kl/lrt eO{ Jofjxfl/s ko| fu]
!@= pTkfbgsf ;fwgx¿sf] afw] tyf k:| t'lt

#= sIffut l;sfO pknlAw

-s_ sIff ( sf l;sfO pknlJwx¿

sIff ( sf] cWoog k/" f ul/;sk] l5 ljBfyLx{ ¿ lgDglnlvt sfo{x¿ ug{ ;Ifd xg' ] 5g\ M

!= cyz{ f:qsf] kl/efiff, If]q / dxŒjsf] JofVof ug{
@= cy{zf:qsf kfl/eflifs zAbx¿sf] kl/ro lbg
#= Joli6 / ;dli6 cyz{ f:qsf] kl/efiff lbO{ leGgtf, dxŒj / ;Ldfx¿ pNn]v ug{

dfWolds lzIff kf7o\ j|md -P]lR5s_, sIff ( / !) 43