xfd|f aLdf of]hgfx?
!=
;fjlws of]hgf -Knfg g+= ###_
@=
wglkmtf{ of]hgf -Knfg g+= ##$,##%,##^,##& / ##(_
#=
afn of]hgfx? -Knfg g+= #$) / #$!_
$=
hLjg cfgGb of]hgf -Knfg g+= #$@_
%=
u[x nIdL of]hgf -Knfg g+= #$#_
^=
aLdf ls/0f of]hgf -Knfg g+= #$$_
&=
hLjg t/¨ of]hgf -Knfg g+= #$%_
*=
hLjg cd"No of]hgf -Knfg g+= #$^_
(=
hLjg cf:yf of]hgf -Knfg g+= #$& / #$*_
!)= jfn ;fjlws of]hgf -Knfg g+= #$(_
!!=
hLjg ;/n
-Knfg g+= #%)_
!@=
a}b]lzs /f]huf/ DofbL hLjg aLdf -Knfg g+= #%!_
!#=
hLjg ljBf ;fjlws of]hgf -Knfg g+= #%@_
;fjlws hLjg aLdf
Knfg g+= ###
;+If]k ljj/0f
tkfO{ / tkfO{sf] kl/jf/sf] hLjgsf] u'0f:t/nfO{ sfod /fvL /fVg eljiodf kof{Kt /sdsf] cfjZostf kg{
hfG5 . t;y{, eljiodf cfO{kg{ ;Sg] clglZrt cfly{s ef/af6 aRg hLjg aLdf ;'/Iff h?/L 5 . aLdf
of]hgf lnO{ lgoldt art ug{ ;s] tkfO{ / tkfO{sf] kl/jf/nfO{ ;'/lIft eljio k|bfg ug{ ;lsg]5 .
nfex?
o; of]hgf cGtu{t aLdfÍ /sd cglh{t af]g;;lxt aLdf cjlw ;dflKtkl5 cyjf aLdf cjlwdf aLldtsf]
d[To' ePdf k|bfg ul/G5 .
ljz]iftfx?
– of] gfkmf;lxtsf] of]hgf xf] .
– Go'gtd aLdfÍ /sd ? !),))) / clwstd aLdfÍ /sd hltsf] klg x'g ;Sg] .
– sDtLdf b'O{ aif{ k'/f aLdfz'Ns lt/]sf] eP aLdfn]v r'Qmf aLdfn]vdf kl/0ft x'g]5 .
– k'/f b'O{ aif{sf] aLdfz'Ns lt/]sf] aLdfn]v b'O{ aif{ cjlw k'/f ePkl5 ;dk{0f ug{ ;d]t ;lsg] 5 .
– b'O{ aif{kZrft ;dk{0f d"Nosf] ()¼ ;Dd shf{ ;'ljwf pknAw x'g]5 .
– olb sDtLdf b'O{ aif{sf] k'/f aLdfz'Ns e'QmfgL e};s]sf] aLdfn]vdf csf]{ aLdfz'Ns e'QmfgL gePsf]
ldltaf6 Ps aif{leq aLldtsf] d[To' ePdf klg aLdfÍ /sd lgodfg';f/ k|bfg ul/g]5 .
– k|j]z pd]/ !* aif{b]lv %) aif{ / kl/kSj pd]/ ^) aif{leq x'g] kf]ln;Ldf aLdfÍ /sdsf] cfwf/df
bf]Aa/;Ddsf] 6d{ /fO8/ ;'ljwf pknAw x'g]5 . o:tf] of]hgfdf b'O{ nfveGbf a9Lsf] aLdfÍ /sd x'g]
5}g .
– !* aif{b]lv &) aif{;Ddsf aLldtnfO{ :yfoL c;Qmtf nfe ;lxtsf] bf]xf]/f] b'3{6gf nfe pknAw x'g
;Sg]5 .
wglkmtf{ of]hgf
Knfg g+= ##$,##%,##^,##&,##(
;+If]k ljj/0f
wglkmtf{ of]hgf cGtu{t aLdfÍ /sdsf] lglZrt k|ltzt ;do cjlwsf] cGt/fndf aLldtnfO lkmtf{ lbOg] 5 .
of] aLdf sf] laz]iftf eGg' g} aLdf cjlw leq olb aLldtsf] d[To'' ePsf] v08df k'/} aLdfÍ /sd -;dofjlwsf]
cGt/fndf hLljt nfe afkt lkmtf{ ul/Psf] /sd g36fO_ af]gz ;lxt k|bfg ul/g] 5 . aLdfn]vdf cltl/Qm
¿kdf ltg'{kg]{ af]gz k'/} aLdfêsf] cfwf/df u0fgf x'g] / ;f] /sd tf]lsPsf] cjlw ;dflKtkl5 jf aLdf
cjlwdf aLldtsf] d[To' ePdf ;f]xL a]nf e'QmfgL lbOg]5 .
Knfg g+=
##$
##%
##^
##&
##*
cjlw
!% aif{
@) aif{
@% aif{
@) aif{
!% aif{
hLljt
%
aif{
!%¼
nfe
!)
aif{
@%¼
–
@%¼
–
!)¼
–
!%¼
@%¼ @%¼
!%
aif{
^)¼
@%¼
!%¼
@%¼
%)¼
@)
aif{
@%
aif{
–
–
%)¼
@%¼
^)¼
–
–
–
%)¼
–
ljz]iftfx?
– of] gfkmf;lxtsf] of]hgf xf] .
– sDtLdf b'O{ aif{ k'/f aLdfz'Ns lt/]sf] eP aLdfn]v r'Qmf aLdfn]vdf kl/0ft x'g]5 .
– k'/f b'O{ aif{sf] aLdfz'Ns lt/]sf] aLdfn]v b'O{ aif{ cjlw k'/f ePkl5 ;dk{0f ug{ ;d]t ;lsg]5 .
– b'O{ aif{kZrft ;dk{0f d"Nosf] ()¼ ;Dd C0f ;'ljwf pknAw x'g]5 .
– olb sDtLdf b'O{ aif{sf] k'/f aLdfz'Ns e'QmfgL e};s]sf] aLdfn]vdf csf]{ aLdfz'Ns e'QmfgL gePsf]
ldltaf6 Ps aif{leq aLldtsf] d[To' ePdf klg aLdfÍ /sd lgodfg';f/ k|bfg ul/g]5 .
– k|j]z pd]/ !* aif{b]lv %) aif{ / kl/kSj pd]/ ^) aif{leq x'g] kf]ln;Ldf aLdfÍ /sdsf] cfwf/df
bf]Aa/;Ddsf] 6d{ /fO8/ ;'ljwf pknAw x'g]5 . o:tf] of]hgfdf b'O{ nfveGbf a9Lsf] aLdfÍ /sd x'g]
5}g .
– !* aif{b]lv &) aif{;Ddsf aLldtnfO{ :yfoL c;Qmtf nfe ;lxtsf] bf]xf]/f] b'3{6gf nfe pknAw x'g
;Sg]5 .
afn of]hgf
Knfg g+= #$) afn ddtf
Knfg g+= #$! afn :g]x
;+If]k ljj/0f
o; of]hgf cGtu{t ;'lglZrt yk nfe ? ^% k|lt jif{ k|lt xhf/sf] b/n] k|f/lDes aLdfÍdf klxnf] % aif{;Dd
lbOg]5 / % aif{ kZrft\ d'gfkmfsf] cg'kftdf lbOg]5 . ;'lglZrt yk nfe / cflh{t af]g; /sd aLdf kl/kSj
ePkl5 cyjf aLldtsf] d[To' x'gf;fy k|bfg ul/g] 5 . o; of]hgf cGtu{t aLldtsf] pd]/ !^ aif{ -#$)_ /
@) aif{ -#$!_ ;Dd /xg] u/L aLdfz'Ns ltg]{ lx;fadf of]hgf 5gf}6sf] lasNk /x]sf] 5 .
aLldtsf] pd]/ cg';f/ k|fKt x'g] hLlat nfe M
of]hgf g+=
!^ aif{
!* aif{
@) aif{
#$)
aLdfÍsf] @%¼
aLdfÍsf] @%¼
%)¼ / af]g;
#$!
aLdfÍsf] @%¼
aLdfÍsf] @%¼
%)¼ / af]g;
hLjg cfgGb
Knfg g+= #$@
;+If]k ljj/0f
hLjg cfgGb Pp6f o:tf] of]hgf xf] h;df d'gfkmf ;lxtsf] ;fjlws hLjg aLdf tyf d'gfkmf /lxtsf]
cfhLjg aLdf b'j}sf] ld>Lt u'0fx¿ ;dfj]z ul/Psf] 5 . o; of]hgfsf] ;'Gb/ kIf of] 5 ls aLdf
kl/kSjtfkl5 cflh{t af]g;;lxt lgwf{l/t aLdfÍ /sd Psd'i7 k|bfg ul/G5 / To;kl5 klg aLldtsf] d[To'
geP;Dd lgz'Ns hLjg aLdf axg ul/ /xG5 .
ljz]iftfx?
– of] gfkmf;lxtsf] of]hgf xf] .
– hLjg aLdf cjlwsf] ;dflKtkl5 d"n aLdfê /sdsf] ;fy cflh{t af]g; /sd Ps;fy k|bfg ul/G5 .
– aLdfz'Ns e'QmfgL ug'{ kg]{ cjlw leq aLldtsf] d[To' ePdf cflh{t af]g; /sdsf] ;fy ladfê /sd
e'QmfgL ul/g] 5 .
– aLdfz'Ns e'QmfgL ug'{ kg]{ cjlwsf] ;dflKt kZrft aLldtsf] d[To' ePdf aLdfê a/fa/sf] /sd k'gM
OR5fO{Psf] JolQmnfO{ e'QmfgL ul/g] 5 . aLdf kl/kSjtfkl5 klg of] hLjg aLdf lgMz'Ns?kdf
rln/x]sf] x'G5 .
– !* aif{b]lv &) aif{;Ddsf aLldtnfO{ :yfoL c;Qmtf nfe ;lxtsf] bf]xf]/ f] b'3{6gf nfe pknAw x'g
;Sg]5 .
u[x nIdL
Knfg g+= #$#
;+If]k ljj/0f
o; of]hgf cGtu{t aLldtsf] d[To' ePdf ;'lglZrt yk d'gfkmf / af]g;;lxt aLdfÍ /sd lbOG5 . aLdf
k|f/De ePsf] tLg jif{ k"/f ePkl5 !$cf} aif{sf] cGTo;Dddf k|To]s jif{ aLdfÍsf] $¼ /sd clu|d e'QmfgL
lbOg] 5 . - !@ ls:tfx? / Jofn]G; aLdfÍ /sd aLdf kl/kSjtfkl5 k|bfg ul/G5 ._
aLdfn]vsf] klxnf] kfF r jif{sf] cjlwsf nflu ?= ^%÷– k|lt xhf/sf] b/n] ;'lglZrt nfe lbOg]5 . o:tf] nfe
/sd aLdf cjlwdf aLldtsf] d[To' ePdf jf aLdf cjlw ;dflKtkl5 e'QmfgL ul/G5 . % aif{ kZrft\ eg] o:tf]
aLdfn]vnfO{ sDkgLn] 3f]if0ff u/] cg';f/sf] af]g; k|fKt x'g]5 . o; of]hgf cGtu{t shf{ ;'ljwf pknAw 5}g .
aLdf ls/0f
Knfg g+= #$$
;+If]k ljj/0f
aLdf ls/0f Pp6f o:tf] of]hgf xf] h; cGtu{t Go'gtd /sd e'QmfgL u/]]/ clwstd ;'/Iff k|fKt ug{ ;lsG5 .
aLdf cjlwdf aLldtsf] d[To' ePsf] cj:yfdf k"j{ lglZrt aLdfÍ a/fa/sf] /sd / aLdfsf] ;dflKt ldltkl5
bz jif{ cjlwleqdf aLldtsf] d[To' ePdf aLdfÍ /sdsf] krf; k|ltzt /sd e'QmfgL lbOg]5 . aLdf
kl/kSjtf ldlt;Dd aLldt hLljt /x]df o; aLdfn]vsf] zt{x?sf] clwgdf /xL pQm ldlt;Dd e'QmfgL
ul/Psf] ;a} aLdfz'Ns -k'/s aLdfn]v jfktsf] aLdfz'Ns afx]s_ /sd e'QmfgL lbOg]5 . shf{ ;'ljwf / ;dk{0f
d"No o; of]hgfdf pknAw x'g] 5}g .
hLjg t/Ë
Knfg g+= #$%
;+If]k ljj/0f
o; of]hgf cGtu{t aLdf klkSjtfkl5 k|To]s aLdf aif{ lbjzdf aLdfêsf] %¼ /sd hLljt nfe :j?k
pknAw ul/g] 5 . aLdf kl/kSjtfkZrft jf aLdf ;dflKt ldlt cufj} aLldtsf] d[To' ePdf aLdfê /
lgodfg';f/sf] cflh{t jf]g; /sd Psd'i7 k|bfg ul/G5 . aLldtsf] pd]/ !)) aif{ k'/f eP kl5sf] aLdf aif{
lbjzdf jf aLdf ;dflKt ldlt kl5 aLldtsf] d[To' h'g klxnf x'G5 ;f] ;dodf klg aLdfê /sd k|bfg ul/G5
. shf{ / ;dk{0f d"No o; of]hgfdf pknAw x'g] 5}g .
cd"No hLjg
Knfg g+= #$^
;+If]k ljj/0f
cd"No hLjg lgoldt aLdf z'Ns e'StfgL u/L k|fKt x'g] DofbL aLdf of]hgf xf] . o; of]hgf cGtu{t aLdfsf]
;dflKt ldlt cufj} aLldtsf] d[To' ePdf k'j{ lglZrt aLdfê /sd e'QmfgL lbOg]5 . b'3{6gf nfe lngsf]
nflu aLdfÍ /sddf k|lt xhf/ ? !=)) sf b/n] yk z'Ns nfUg] 5 . clwstd b'3{6gf nfe ? # nfv -;a}
of]hgfx? ;lxt_ ;Dd dfqsf] x'g]5 .
hLjg cf:yf
Knfg g+= #$& / #$*
;+If]k ljj/0f
hLjg cf:yf Ps} k6s aLdfz'Ns e'QmfgL ug'{ kg]{ 5f]6f] cjlwsf] aLdf of]hgf xf] . o; of]hgf cGt{ut aLdf
kl/kSj ePkl5 jf aLldtsf] d[To' ePsf] cj:yfdf ;'lglZrt nfe k|bfg ul/G5 . of] of]hgf # jif{ -Knfg g+=
#$&_ / % jif{ -Knfg g+= #$*_ cjlwsf] nflu k|fKt ug{ ;lsG5 .
nfex?
– aLdf cjlwleq aLldtsf] d[To' ePdf aLdfÍ /sdsf] bf]Aa/ /sd ;'lglZrt nfe;lxt e'QmfgL lbOG5.
– aLdf kl/kSjtfkl5 aLldt hLljt /x]sf] cj:yfdf lghnfO{ aLdfÍ /sd ;'lglZrt nfe;lxt e'QmfgL
lbOG5 .
– sDkgLsf] lgodfg';f/ hf/L ul/Psf] cGo aLdfn]vx?sf] hf]8;lxt hDdf ?= % nfv;Ddsf] b'3{6gf
nfe pknAw x'g ;Sg]5 .
– # jif]{ cjlwsf] nflu ;'lglZrt nfe ? *) k|lt jif{ k|lt xhf/ lbOg] 5 .
– % jif]{ cjlwsf] nflu ;'lglZrt nfe ? *% k|lt jif{ k|lt xhf/ lbOg] 5 .
afn ;fjlws of]hgf
Knfg g+= #$(
;+lIfKt ljj/0f
!) jf ;f]eGbf sd pd]/sf afnaflnsfx?sf] nflu d'gfkmfdf ;l/s x'g] u/L NofOPsf] of]hgf xf] . o; of]hgf
cGtu{t ljldltnfO{ jLdf cjlwsf] ;dfKtkl5 aLdfê /sd / ;f] cjlwdf cflh{t af]g; /sd Psd'i7 k|bfg
ul/G5 .
nfex?
– hf]lvd k|f/De x'g'eGbf cufl8 ljldtsf] d[To' ePdf aLdfn]v /2 ePsf] dflgg]5 / d[To' ePsf] cjlw;Dd
lt/]sf] ;Dk"0f{ aLdfz'Ns /sd -aLdfz'Ns ldgfx nfe afx]s_ lkmtf{ ul/g]5 .
– hf]lvd k|f/Dekl5 aLdf cjlwleqdf ljldtsf] d[To' ePdf aLdfê /sd / ;f] cjlwdf cflh{t af]g; /sd
Psd'i7 k|bfg ul/G5 .
– %) aif{ pd]/ -hGdlbgaf6 glhs_ ;Ddsf] k|:tfjsn] cltl/Qm z'Ns lt/]/ aLdfz'Ns ldgfx nfe (PWB)
lng ;Sg]5 . aLdfz'Ns ldgfx nfedf k|:tfjssf] d[To' ePdf d[To'kl5 ltl/g' kg]{ aLdfz'Nsx? ldgfx
x'g]5 .
– o; of]hgfdf aLdf k|f/De ePsf] @ aif{kl5 cyjf ljldt % aif{ pd]/ k'u]kl5sf] klxnf] aLdf aif{
;dflKtdWo]df h'g l9nf cfpF5 ;f] ldltaf6 hf]lvs k|f/De ePsf] dflgg]5 .
– o; of]hgfdf Go'gtd aLdfê /sd ?= %),))) / clwstd ?= %) nfv sfod ul/Psf] 5 .
hLjg ;/n
Knfg g+= #%)
;+lIfKt ljj/0f
hLjg ;/n k|rlnt aLdf of]hgfx?sf] /fd|f ljz]iftfx? / cTolws nrstf ;lxtsf] ld>0f u/L NofOPsf]
cg'kd of]hgf xf] . o; of]hgfn] ljldtx?nfO{ pRr ;'/Iffsjr, pRr k|ltkmn / pRr t/ntf h:tf nfex?
k|bfg u/]sf] 5 .
d[To' nfe
– o; cGtu{t ljldtsf] d[To' ePdf dfl;s aLdfz'Nssf] @%) u'0ff a/fa/sf] /sdnfO{ aLdfê /sd
dflgg]5, ;fy}
– e'QmfgL ePsf] ;Dk"0f{ aLdfz'Ns /sd -k|yd aif{sf] aLdfz'Ns / cltl/Qm /fO8/ afx]s_ lkmtf{ ul/g], ;fy}
– cltl/Qm nf]oN6L kfpg of]Uo eP ;f] ;d]t k|bfg x'g] .
kl/kSjtf nfe
– kl/kSj aLdfê, /
– cltl/Qm nf]oN6L, olb ePdf
– olb aLdfn]v @ jf ;f]eGbf a9L aif{ ;a} nfex?sf] nflu rfn' cfj:yfdf /x]sf] 5 eg] sbdsbflrt s'g}
aLdfz'Ns e'QmfgL x'g g;Sbf To:tf] aLdfz'Ns e'QmfgL x'g g;s]sf] ldltaf6 yk !@ dlxgf;Ddsf]
cjlwe/ klg hf]lvd axg x'g]5 . t/, o:tf] hf]lvd /fO8/ nfe cGtu{t axg x'g] 5}g . o:tf] nfe Ps
jf ;f]eGbf a9L cf+lzs ;dk{0f ug]{x?sf nflu klg lbOg]5 .
gfkmfdf ;l/s x'g]
– cltl/Qm nf]oN6Lsf] tl/sfaf6 of] aLdfn]v d'gfkmfdf ;l/s x'g]5 . aLdfn]vn] ;lqmo?kn] sDtLdf !)
aif{ k'/f u/]kl5 nf]oN6L 3f]if0ff ul/G5 . rfn' aLdf cjlwsf] !)cf} aif{df ljldtsf] d[To' ePdf klg
cltl/Qm nf]oN6L k|bfg ul/G5 .
j}b]lzs /f]huf/ DofbL aLdf of]hgf
Knfg g+= #%!
;+lIfKt ljj/0f
j}b]lzs /f]huf/df hfg] JolQmx?n] ug'{ kg]{ ?= % nfv aLdfê a/fa/sf] DofbL hLjg aLdf cGtu{t tflnsfdf
pNn]v eP cg';f/sf] aLdf cjlw, pd]/ / aLdfz'Ns lgwf{/0f ul/Psf] 5 .
aLdf cjlw
! jif{
@ jif{{
# jif{
$ jif{
% jif{
!*–#% jif{
!,)@%
!,*@%
@,$#)
#,)%)
#,%%)
pd]/ ;d"x
#^–%) jif{ %!–^$ jif{
!,%))
#,%))
@,%))
%,)))
#,$))
^,^))
$,@))
*,#))
$,())
!),)))
^% jif{eGbf dfly
aLdsn] lgwf{/0f u/]
adf]lhd
hLjg ljBf ;fjlws of]hgf
Knfg g+= #%@
;+lIfKt ljj/0f
of]] !) jif{ jf ;f] eGbf sd pd]/sf afn aflnsfx?sf nflu NofOPsf] d'gfkmf ;lxtsf] ;fjlws hLjg aLdf
of]hgf xf] . o; of]hgfdf laldtåf/f aLdfsf] ;dflKt ldltkl5 klg Aofh k|fKt ug{sf] nflu laldt lhljt
/x'Gh]n;Dd Pn=cfO{=;L=-g]kfn_ ;Fu kl/kSj rfn' /fVg ;lsg] :j]lR5s ;'lawf k|bfg ul/Psf] 5 . o;
of]hgfsf] lj:t[tdf tn pNn]v ul/Psf] 5 .
nfex? M
!= hLljt nfeM
aLdfsf] ;dflKt ldlt;Dd aLldt hLljt /x]sf] cj:yfdf d'gfkmf ;lxtsf] aLdfÍ /sd k|bfg ul/g] 5 .
@ Pn=cfO{=;L=-g]kfn_ ;Fu kl/kSjtf sfod /fVg] ;lsg] :j]lR5s cj:yfM
o; of]hgf cGtu{t laldtåf/f aLdfsf] ;dflKt ldltkl5 klg kl/kSjtf nfe Pn=cfO{=;L=-g]kfn_ ;Fu sfod
/fVg ;lsg] :j]lR5s Aoj:yf ul/Psf] 5 . o;/L /flvPsf] /sddf Pn=cfO{=;L=-g]kfn_ af6 ;do ;dodf
lgwf{/0f ul/Psf] Aofh b/ cfh{g ug{ ;lsg] Joj:yf ul/Psf]5 . ladf kl/kSjtf kZrft ladf ;dflKt x'g]5 /
d'gfkmfdf ;l/s x'g] 5}g . t/ ladf kl/kSjtf kZrft o; of]hgfdf Aofh /sd x/]s jif{ sDkgLsf] bfloTjsf]
d"No+fsgsf] cfwf/df 3f]if0ff ul/g]5 . o;df k|bfg ul/g] Aofh b/ art vftf;Fu cfa4 x'g ;Sg]5 .
@= d[To' nfeM
Hff]lvd k|f/De x'g'eGbf cufl8
aLdf cjlwdf Hff]lvd k|f/De x'g'eGbf cufl8 aLldtsf] d[To' ePdf aLdfn]v /4 x'g]5 / e'QmfgL ul/Psf ;a}
aLdfz'Ns lkmtf{ x'g]5 - aLdfz'Ns ldgfxf nfe sf] nflu lt/LPsf] z'Ns afx]s _ .
Hff]lvd k|f/De ePkl5
aLdf cjlwdf, hf]lvd k|f/De ldlt kZrft t/ ;dfKtL ldlt eGbf cufj} b'ef{Uojz aLldtsf] d[To'ePdf k'/}
aLdfÍ tyf af]g; k|bfg ul/g]5 .
#= aLdfz'Ns ldgfxf nfeM
cltl/Qm aLdfz'Ns lt/LPsf] cj:yfdf k|:tfjsn] aLdfz'Ns ldgfxf nfe k|fKt ug{ ;Sg]5 . of] nfe cGtu{t
k|:tfjssf] d[To' ePdf d[To' eP kZrftsf] aLdf z'Ns e'QmfgL ug'{ kg]{ 5}g . of] nfe k|:tfjssf] k|j]zdf pd]/
a9Ldf %) jif{ hGdlbg glhs /x]sf] cj:yfdf dfq k|bfg ul/g] 5 .
clu|d ladf z'Ns e'tmfgL
o; of]hgf cGtu{t clu|d ladf z'Ns e'tmfgL ug{ ;lsg] Joj:yf ul/Psf] 5 hxfF gljs/0f aLdf z'Ns
e'StfgLdf xfn %% 5'6 rs|a[4L Aofhb/df pknAw x'g] k|fjwfg 5 . of] 5'6 b/ x/]s cfly{s jif{sf] clGtd
ldltdf k'g/fjnf]sg ul/g]5 . o; clu|d ladf z'Ns e'tmfgLnfO{ Pp6f 5'§} vftf Advance Premium
Deposit Account df /flvg]5 hxfFaf6 ladf z'Ns e'tmfgL ldltdf aLdf z'Ns lt/]/ ;dfof]hg ul/g]]5 .
k|To]s ladf z'Ns e'tmfgL ldltkl5 ;dfof]hg u/]/ afFsL /x]sf] /sd km]l/ Advance Premium Deposit
Account df /flvg]5 . clu|d ladf z'Ns e'tmfgLsf] ;'lawf ladfn]v cjlwe/ k|fKt ug{ ;lsg]5 .
clu|d ladfz'Ns e'tmfgL lkmtf{ M
Advance Premium Deposit Account cGtu{t lt/]sf] clu|d ladfz'Ns /sd h;sf]] e'tmfgL ldlt
cfPsf] x'b}g To;nfO{ lgDg cj:yfdf dfq lkmtf{ ug{ ;lsg]5 M
 d[To' ePsf] cyjf s'g} sf/0fjz aflxl/Psf] v08df Advance Premium Deposit Account
df /x]sf] unadjusted amount.
 laldtåf/f Advance Premium Deposit Account df hDdf ul/Psf] /sd lkmtf{ kfpgsf]
lglDt cfu|x ul/Pdf .
o;/L lkmtf{ dfu ul/Psf] /sddf clu|d ladfz'Ns hDdf ul/Psf] ldltaf6 Ps aif{ leqdf Aofh pknAw
u/fOg] 5}g . olb /sd lkmtf{ dfu ul/Psf] ldlt, Ps jif{ gf3]sf] v08df Advance Premium Deposit
df /x]sf] /sd sDkgLåf/f ;do ;dodf tf]lsPsf] Aofhb/df pknAw u/fpg ;lsg]5 . xfn sfod /x]sf]
rs|a[4L Aofhb/ aflif{s %=%% /x]sf] 5 .