g]kfn /fi6« a}+s
cg';Gwfg ljefu
b]zsf] jt{dfg cfly{s tyf ljQLo l:ylt
-cfly{s jif{ @)&#÷&$ sf] gf} dlxgf;Ddsf] tYofÍdf cfwfl/t_
;dli6ut cfly{s kl/b[Zo
1.
s]Gb|Lo tYofÍ ljefun] xfn} ;fj{hlgs u/]sf] /fli6«o n]vfsf] tYofÍ cg';f/ cfly{s jif{
@)&#÷&$ df b]zsf] s'n ufx{:Yo pTkfbg cfwf/e"t d"Nodf ^=( k|ltztn] j[l4 x'g] k|f/lDes
cg'dfg /x]sf] 5 . ck]Iff ul/PeGbf /fd|f] jiff{, k"glg{df{0fsf] sfo{ tyf phf{ cfk"lt{df ePsf]
;'wf/sf sf/0f nlIfteGbf jl9 cfly{s j[l4b/ xfl;n x'g] b]lvPsf] xf] .
2.
cg's'n df};dsf] sf/0f rfn" cflys jif{df s[lif If]qsf] j[l4b/ %=# k|ltzt /xg] k|f/lDes cg'dfg
/x]sf] 5 . ut jif{ of] If]qsf] j[l4b/ )=)# k|ltzt /x]sf] ;+zf]lwt cg'dfg 5 .
3.
rfn" cfly{s jif{df cf}Bf]lus If]qsf] pTkfbgdf !)=( k|ltztn] j[l4 x'g] k|f/lDes cg'dfg 5 .
rfn" cfly{s jif{df vf;u/L cTofjZos OGwg tyf sRrf kbfy{sf] ;xh cfk"lt{ tyf ljB't
cfk"lt{df cfPsf] ;'wf/sf sf/0f cf}Bf]lus If]qsf] pTkfbg j[l4 x'g] cg'dfg ul/Psf] xf] . ut jif{
of] If]qsf] j[l4b/ ^=# k|ltztn] C0ffTds /x]sf] ;+zf]lwt cg'dfg 5 .
4.
rfn" cfly{s jif{ ;]jf If]q ^=( k|ltztn] j[l4 ePsf] k|f/lDes cg'dfg /x]sf] 5 . ut jif{ o;
If]qsf] j[l4b/ @=)^ k|ltzt /x]sf] ;+zf]lwt cg'dfg 5 .
5.
ut jif{ s'n ufx{:Yo pTkfbgdf pkef]usf] cg'kft (^=@ k|ltzt /x]sf] t'ngfdf rfn" cfly{s jif{
;f] cg'kft 36L *(=& k|ltztdf sfod /xg] k|f/lDes cg'dfg 5 . s'n ufx{:Yo pTkfbgdf s'n
ufx{:Yo artsf] cg'kft !)=# k|ltzt x'g] / s'n /fli6«o art cg'kft $#=* k|ltzt k'Ug]]
cg'dfg 5 . cl3Nnf] jif{ s'n /fli6«o art cg'kft $)=) k|ltzt /x]sf] lyof] .
d'b|f:kmLlt / tna tyf Hofnfb/
pkef]Qmf d'b|f:kmLlt
6.
@)&# kmfu'g dlxgfdf jflif{s laGb'ut pkef]Qmf
d'b|f:kmLlt @=( k|ltzt /x]sf]df @)&# r}t
dlxgfdf s]xL j[l4 eO{ #=* k|ltzt sfod
ePsf] 5 . @)&@ r}t dlxgfdf ;f] d'b|f:kmLlt
(=& k|ltzt /x]sf] lyof] . ut jif{sf] cfwf/
d"Nosf] k|efj / cfk"lt{ Joj:yfdf cfPsf]
;'wf/sf sf/0f ut jif{sf] t'ngfdf ;dLIff
cjlwdf pkef]Qmf d'b|f:kmLltdf sdL cfPsf]] 5 .
1
vfB d'b|f:kmLlt
7.
aS; !M jflif{s ljGb'ut vfB d'b|f:kmLlt -gf} dlxgf_
;dLIff cjlwdf vfB d'b|f:kmLlt
)=& k|ltzt /x]sf] 5 . cl3Nnf]
jif{sf] ;f]xL cjlwdf vfB
d'b|f:kmLlt (=# k|ltzt /x]sf]
lyof] . o; ;d"x cGtu{tsf] bnxg
tyf u]8fu'8Lsf] d"Nodf !)=)
k|ltzt, t/sf/Lsf] d"Nodf (=&
k|ltzt, £o" tyf t]nsf] d"Nodf
#=) k|ltzt / vfB tyf vfBhGo
kbfy{sf] d"Nodf )=# k|ltztn]
sdL cfPsf]n] ;du| vfB
d'b|f:kmLlt Go"g /xg uPsf] xf] .
;dLIff cjlwdf lrgL tyf
lrgLhGo kbfy{sf] d"No !#=(
k|ltzt / dlb/fhGo k]o kbfy{sf]
d"No !#=) k|ltztn] j[l4 ePsf]
5.
ljj/0f
vfB d'b|f:kmLlt
d'b|f:kmLlt -k|ltzt_
@)&@÷&# @)&#÷&$
(=#
)=&
!= bnxg tyf u]8fu'8L
@^=*
-!)=)_
@= d;nf
!%=(
#=!
#= £o" tyf t]n
!%=%
-#=)_
$= dlb/fhGo k]o kbfy{
!$=%
!#=)
%= lrgL tyf lrgLhGo kbfy{
!)=%
!#=(
^= /]i6'/]06 tyf xf]6n
(=(
^=$
&= b'UwhGo kbfy{ tyf c08f
(=*
$=$
*= t/sf/L
(=@
-(=&_
(= ;'tL{hGo kbfy{
&=(
#=(
&=%
-)=#_
!)= vfB tyf vfBhGo kbfy{
;|f]t M /fli6«o pkef]Qmf d"No ;"rsfÍ, r}t @)&#
u}/–vfB d'b|f:kmLlt
8.
;dLIff cjlwdf u}/–vfB d'b|f:kmLlt ^=# k|ltzt /x]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf u}/–vfB
d'b|f:kmLlt !)=) k|ltzt /x]sf] lyof] . o; ;d"x cGtu{tsf] nQfsk8f tyf h'Qf, 3/fo;L ;fdfg
tyf ;]jf, ;~rf/, oftfoft nufotsf j:t'x¿sf] d"No j[l4b/ ut jif{sf] t'ngfdf Go"g /x]sf]n]
u}/–vfB d'b|f:kmLlt sd /xg uPsf] xf] .
If]qut pkef]Qmf d'b|f:kmLlt
9.
If]qut cfwf/df ljZn]if0f ubf{ ;dLIff cjlwdf pkef]Qmf d'b|f:kmLlt kxf8df %=^ k|ltzt, t/fO{df
#=$ k|ltzt, lxdfndf @=* k|ltzt / sf7df8f}+ pkTosfdf @=& k|ltzt /x]sf] 5 . cl3Nnf] jif{sf]
;f]xL cjlwdf d"No j[l4b/ kxf8df !)=) k|ltzt, t/fO{df *=# k|ltzt, lxdfndf *=) k|ltzt /
sf7df8f}+ pkTosfdf !!=& k|ltzt /x]sf] lyof] .
g]kfn / ef/taLrsf] pkef]Qmf d'b|f:kmLlt cGt/
10. @)&# r}t dlxgfdf
ef/tsf] jflif{s laGb'ut
pkef]Qmf d'b|f:kmLlt #=)
k|ltzt /x]sf]df g]kfnsf]
d'b|f:kmLlt #=* k|ltzt
/x]sf]
5 . ;dLIff
cjlwdf
oL
b'O{
d'n'saLrsf]
pkef]Qmf
d'b|f:kmLlt cGt/ )=*
k|ltzt /x]sf] 5 .
cl3Nnf] jif{sf] ;f]xL
aS; @M g]kfn / ef/tdf pkef]Uo j:t'sf] d"No j[l4 cGt/ -@)&# r}t_
d'b|f:kmLlt -k|ltzt_
pkef]Uo j:t'x¿
cGt/
g]kfn
ef/t
;du| pkef]Qmf d'b|f:kmLlt
#=*
#=) )=*
!= lrgL tyf lrgLhGo kbfy{
!#=(
!!=$ @=%
@= dlb/fhGo kbfy{
!#=)
^=! ^=(
#= lzIff
!)=@
%=# $=(
;|f]tM tYofÍ tyf sfo{qmd sfof{Gjog dGqfno, ef/t ;/sf/, clk|n @)!&
2
cjlwdf g]kfn tyf ef/tdf o:tf] d'b|f:kmLlt qmdzM (=& k|ltzt / %=$ k|ltzt /x]sf]n] b'O{
d'n'saLrsf] pkef]Qmf d'b|f:kmLlt cGt/ $=# k|ltzt /x]sf] lyof] .
yf]s d'b|f:kmLlt
11. ;dLIff cjlwdf jflif{s laGb'ut yf]s d'b|f:kmLlt b/ !=@ k|ltzt /x]sf] 5 . cl3Nnf] jif{sf] ;f]xL
cjlwdf o:tf] d'b|f:kmLlt %=% k|ltzt /x]sf] lyof] . ;dLIff cjlwdf yf]s d"No cGtu{t s[lifhGo
j:t'x¿sf] d"No ;"rsfÍ )=! k|ltzt, :jb]zdf pTkflbt j:t'x¿sf] d"No ;"rsfÍ $=) k|ltzt /
cfoftLt j:t'x¿sf] d"No ;"rsfÍ !=* k|ltztn]] j[l4 ePsf] 5 . cl3NNff] jif{sf] ;f]xL cjlwdf
s[lifhGo j:t'x¿sf] d"No ;"rsfÍ (=@ k|ltzt / :jb]zdf pTkflbt j:t'x¿sf] d"No ;"rsfÍ ^=@
k|ltztn] j[l4 ePsf] lyof] eg] cfoftLt j:t'x¿sf] d"No ;"rsfÍ @=( k|ltztn] 36]sf] lyof] .
/fli6«o tna tyf Hofnfb/ ;"rsfÍ
12. ;dLIff cjlwdf jflif{s laGb'ut /fli6«o tna tyf Hofnfb/ ;"rsfÍ !$=& k|ltztn] j[l4 ePsf]
5 . cl3Nnf] jif{sf] ;f]xL cjlwdf pQm ;"rsfÍ %=! k|ltztn] j[l4 ePsf] lyof] . ;dLIff cjlwdf
tna ;"rsfÍdf !*=( k|ltzt / Hofnfb/ ;"rsfÍdf !#=& k|ltztn] j[l4 ePsf] 5 . g]kfn
;/sf/n] lghfdtL sd{rf/Lsf] tna j[l4 u/]sf]n] tna tyf Hofnfb/ ;"rsfÍdf pRr j[l4 ePsf]
xf] . tna cGtu{t lghfdtL ;]jf, ;}lgs tyf k|x/L an / ;fj{hlgs ;+:yfg pk–;d"xx¿sf]
tna ;"rsfÍ qmdzM @$=@ k|ltzt, @#=^ k|ltzt / @!=& k|ltztn] j[l4 ePsf] 5 . To;}u/L,
Hofnfb/ cGtu{t s[lif dhb"/, cf}Bf]lus dhb"/ / lgdf{0f dhb"/sf] Hofnfb/ ;"rsfÍ qmdzM !@=@
k|ltzt, !*=! k|ltzt / !!=) k|ltztn] j[l4 ePsf] 5 .
afXo If]q
j}b]lzs Jofkf/
13. cfly{s aif{ @)&#÷&$ sf] gf} dlxgf;Dddf
s'n j:t' lgof{t !@=! k|ltztn] j[l4 eO{ ?=
%% ca{ @@ s/f]8 k'u]sf] 5 . cl3Nnf] jif{sf]
;f]xL cjlwdf o:tf] lgof{tdf @#=$
k|ltztn] x|f; cfPsf] lyof] . ;dLIff
cjlwdf ef/ttkm{ !%=& k|ltzt, rLgtkm{
*=% k|ltzt / cGo d'n'stkm{ &=%
k|ltztn] lgof{t a9]sf] 5 . j:t'ut
cfwf/df h';, lkgf, /f]lhg, rfprfp
nufotsf j:t'sf] lgof{t a9]sf] 5 eg]
cnF}rL, kf]lni6/ wfuf], tof/L kf]zfs, pgL un}+rf nufotsf j:t'x?sf] lgof{t 36]sf] 5 .
14. ;dLIff cjlwdf s'n j:t' cfoft #(=& k|ltztn] a9]/ ?= &@^ ca{ $! s/f]8 k'u]sf] 5 . cl3Nnf]
jif{sf] ;f]xL cjlwdf o:tf] cfoft (=( k|ltztn] 36]sf] lyof] . ;dLIff cjlwdf ef/taf6 ePsf]
cfoft %!=@ k|ltzt, rLgaf6 ePsf] cfoft !@=^ k|ltzt / cGo d'n'saf6 ePsf] cfoft @*=(
k|ltztn] a9]sf] 5 . j:t'ut cfwf/df k]6«f]lnod kbfy{, oftfoftsf ;fwg tyf kf6{k"hf{, Pd=P;
ljn]6, d]lzg/L tyf kf6{k'hf{ nufotsf j:t'sf] cfoft a9]sf] 5 eg] /f;folgs dn, cf}iflw,
sf]N8/f]n l;6 O{g SjfO{n, sRrf /]zd nufotsf j:t'x?sf] cfoft 36]sf] 5 .
3
15. eG;f/ gfsfsf cfwf/df hn]Zj/ eG;f/ gfsf, e}/xjf eG;f/ / lqe'jg cGt/f{li6«o ljdfg:yn
eG;f/ gfsfaf6 ePsf] lgof{tdf sdL cfP tfklg cGo eG;f/ gfsfx¿af6 ePsf] lgof{tdf j[l4
ePsf] 5 . To;}u/L, cfofttkm{ ;dLIff cjlwdf s}nfnL eG;f/ / lj/f6gu/ eG;f/ gfsfaf6
ePsf] cfoftdf sdL cfPsf] 5 eg] cGo gfsfaf6 ePsf] cfoftdf j[l4 ePsf] 5 .
16. ;dLIff cjlwdf s'n j:t' Jofkf/ 3f6f $@=^ k|ltztn] a9L ?= ^&! ca{ @) s/f]8 k'u]sf] 5 .
cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] Jofkf/ 3f6f *=@ k|ltztn] 36]sf]] lyof] . ;dLIff cjlwdf
lgof{t–cfoft cg'kft &=^ k|ltzt /x]sf]] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] cg'kft (=%
k|ltzt /x]sf] lyof] .
lgof{t cfoft d"No ;"rsfÍ
17. cfly{s jif{ @)&#÷&$ sf] gf} dlxgfdf eG;f/ tYofÍdf cfwfl/t lgof{tsf] PsfO d"No ;"rsfÍ
(Unit Value Index) jflif{s laGb'ut cfwf/df *=* k|ltzt / cfoft d"No ;"rsfÍdf %=$
k|ltztn] j[l4 ePsf]n] Jofkf/sf] ;t{ (Terms of Trade) df #=# k|ltztn] ;'wf/ ePsf] 5 .
cl3Nnf] jif{sf] ;f]xL dlxgfdf o:tf] ;t{ @$=% k|ltztn] a9]sf] lyof] . sfk]{6, cn}rL+, klZdgf,
lrofsf], lgof{t d"Nodf j[l4 ePsf] sf/0f lgof{t d"No ;"rsfÍdf j[l4 ePsf] xf] eg] k]6«f]lnod
kbfy{, oftfoftsf ;fwg tyf kf6{k"hf{ nufotsf j:t'sf] d"Nodf j[l4 ePsf sf/0f cfoft d"No
;"rsfÍdf j[l4 ePsf]] xf] .
;]jf
18. ;dLIff cjlwdf s'n ;]jf cfo @)=^ k|ltzt / s'n ;]jf vr{ @!=$ k|ltztn] a9]sf] sf/0f v'b
;]jf cfo art ?= ^ ca{ $@ s/f]8 k'u]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] art ?= %
ca{ (% s/f]8 /x]sf] lyof] . ;]jf vftf cGtu{t ko{6g cfo ;dLIff cjlwdf $%=# k|ltztn] j[l4
eO{ ?= $$ ca{ !) s/f]8 k'u]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] cfo @^=! k|ltztn]
36]sf] lyof] .
ljk|]if0f cfk|jfx
19. ;dLIff cjlwdf ljk|]if0f cfk|jfx ^=# k|ltztn] j[l4 eO{ ?= %!! ca{ (# s/f]8 k'u]sf] 5 . cl3Nnf]
jif{sf] ;f]xL cjlwdf ljk|]if0f cfk|jfx !# k|ltztn] j[l4 ePsf] lyof] . v'b 6«fG;km/ cfo !)
k|ltztn] j[l4 eO{ ?= ^!( ca{ !@ s/f]8 k'u]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] cfo
!^=% k|ltztn] a9]sf] lyof] .
rfn" vftf Pjd\ zf]wgfGt/
20. cl3Nnf]
cjlwdf
cl3Nnf]
cjlwdf
aif{sf] gf} dlxgfdf ?= !## ca{ !( s/f]8sf] pRr artdf /x]sf] rfn" vftf ;dLIff
j:t' cfoft pRr b/n] a9]sf] sf/0f ?= !) ca{ #$ s/f]8n] 3f6fdf uPsf] 5 . To;}u/L,
jif{sf] gf} dlxgf;Dddf ?= !^# ca{ *! s/f]8n] artdf /x]sf] ;du| zf]wgfGt/ ;dLIff
?= %) ca{ ^$ s/f]8n] artdf /x]sf] 5 .
21. ;dLIff cjlwdf k"FhLut 6«fG;km/ ?= !) ca{ $! s/f]8 / k|ToIf j}b]lzs nufgL cfk|jfx
?= !! ca{ & s/f]8 /x]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf kF"hLut 6«fG;km/ ?= !) ca{ *@
s/f]8 / k|ToIf j}b]lzs nufgL ?= $ ca{ !( s/f]8 /x]sf] lyof] .
4
aS; #M afXo If]qsf] cj:yf -cd]l/sL 8n/_*
ljj/0f
j:t' lgof{t -Pkm cf] lj_
j:t' cfoft -Pkm cf] lj_
Jofkf/ ;Gt'ng -–3f6f_
s'n Jofkf/
e|d0f cfo
ljk|]if0f cfk|jfx
rfn" vftf art -–3f6f_
zf]wgfGt/ -–art_
2071/72
klxnf] gf}
dlxgf
2072/73
aflif{s
klxnf] gf}
dlxgf
-cd]l/sL 8n/ s/f]8df_
2073/74
aflif{s
klxnf] gf}
dlxgf
gf} dlxgf;Ddsf] k|ltzt kl/jt{g
2072/73
2073/74
74.07
98.81
49.06
70.39
58.03
-33.8
18.3
577.29
765.76
478.83
709.25
669.28
-17.1
39.8
-503.22
-666.95
-429.77
-638.86
-611.26
-14.6
42.2
651.36
864.56
527.89
779.63
727.31
-19.0
37.8
41.51
431.29
53.67
619.20
28.62
454.34
39.27
625.34
41.24
477.70
-31.0
5.3
44.1
5.1
21.42
106.73
127.18
133.88
-9.56
-
-
-49.55
-143.70
-154.62
-177.98
-47.16
-
-
* zf]wgfGt/ tflnsf cg';f/ .
1. cd]l/sL 8n/sf cfwf/df cfly{s jif{ @)&#÷&$ sf] gf} dlxgf;Dddf s'n j:t' lgof{t !*=# k|ltzt / s'n j:t'
cfoft #(=* k|ltztn] a9]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf j:t' lgof{t ##=* k|ltzt / j:t' cfoft !&=!
k|ltztn] 36]sf lyP .
2. ;dLIff cjlwdf e|d0f cfo $@=@ k|ltzt / ljk|]if0f cfk|jfx %=! k|ltztn] a9]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf
e|d0f cfo #! k|ltztn] 36]sf] / ljk|]if0f cfk|jfx %=# k|ltztn] a9]sf] lyof] .
3. cl3Nnf] cfly{s jif{sf] gf} dlxgf;Dddf cd]l/sL 8n/ !@& s/f]8 !* nfvn] artdf /x]sf] rfn" vftf ;dLIff cjlwdf
cd]l/sL 8n/ ( s/f]8 %^ nfvn] 3f6fdf uPsf] 5 . To;}u/L, zf]wgfGt/ l:ylt cl3Nnf] jif{sf] gf} dlxgfdf cd]l/sL
8n/ !%$ s/f]8 ^@ nfvn] artdf /x]sf]df ;dLIff cjlwdf cd]l/sL 8n/ $& s/f]8 !^ nfvn] artdf /x]sf] 5 .
ljb]zL ljlgdo ;l~rlt
22. s'n ljb]zL ljlgdo ;l~rlt @)&#
c;f/ d;fGtsf] ?= !)#( ca{ @!
s/f]8af6 !=& k|ltztn] j[l4 eO{
@)&# r}t d;fGtdf ?= !)%& ca{
#* s/f]8 /x]sf]] 5 . s'n ljb]zL
ljlgdo ;l~rltdWo] g]kfn /fi6«
a}+sdf /x]sf] ;l~rlt @)&# c;f/
d;fGtsf] ?= **& ca{ ! s/f]8sf]
t'ngfdf @)&# r}t d;fGtdf )=*
k|ltztn] j[l4 eO{ ?= *($ ca{ !^
s/f]8 /x]sf] 5 . To;}u/L, a}+s tyf
ljQLo ;+:yfx¿ -g]kfn /fi6« a}+s afx]s_ ;Fu /x]sf] ljb]zL ljlgdo ;l~rlt @)&# c;f/
d;fGtsf] ?= !%@ ca{ @) s/f]8sf] t'ngfdf &=@ k|ltztn] j[l4 eO{ ?= !^# ca{ @@ s/f]8 k'u]sf]
5 . s'n ;l~rltdf ef/tLo d'b|f ;l~rltsf] c+z @#=( k|ltzt /x]sf] 5 .
;l~rlt kof{Kttf ;"rsx¿
23. cfly{s jif{ @)&#÷&$ sf] gf} dlxgf;Ddsf] cfoftnfO{ cfwf/ dfGbf a}lsË If]q;Fu /x]sf] ljb]zL
ljlgdo ;l~rlt !#=# dlxgfsf] j:t' cfoft / !!=% dlxgfsf] j:t' tyf ;]jf cfoft wfGg kof{Kt
/xg] b]lvG5 . ;dLIff cjlwdf ljb]zL ljlgdo ;l~rltsf] s'n ufx{:Yo pTkfbg, s'n cfoft /
lj:t[t d'b|fk|bfo;Fusf cg'kftx¿ qmdzM $)=& k|ltzt, (%=$ k|ltzt / $@=( k|ltzt /x]sf
5
5g\ . @)&# c;f/ d;fGtdf o:tf cg'kftx¿ qmdzM $^=@ k|ltzt, !!&=$ k|ltzt / $^=#
k|ltzt /x]sf lyP .
cGt/f{li6«o ahf/df sRrf k]6«f]lnod Pjd\ ;'gsf] d"No l:ylt tyf ljlgdo b/ k|j[lQ
24. cGt/f{li6«o ahf/df sRrf k]6«f]lnod (Crude Oil Brent) sf] d"No @)&@ r}t d;fGtdf k|lt Aof/n
cd]l/sL 8n/ $#=)@ /x]sf]df @)&# r}t d;fGtdf @* k|ltztn] j[l4 eO{ k|lt Aof/n cd]l/sL
8n/ %%=)% sfod ePsf] 5 . To;}u/L, @)&@ r}t d;fGtdf ;'gsf] d"No k|lt cfpG; cd]l/sL
8n/ !@%$=^) /x]sf]df @)&# r}t d;fGtdf @=$ k|ltztn] a9L k|lt cfpG; cd]l/sL 8n/
!@*$=!% k'u]sf] 5 .
25. @)&# c;f/ d;fGtsf] t'ngfdf @)&# r}t d;fGtdf g]kfnL ¿k}ofF cd]l/sL 8n/;Fu #=%
k|ltztn] clwd"Nog ePsf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf g]kfnL ?k}ofF cd]l/sL 8n/;Fu $=%
k|ltztn] cjd"Nog ePsf] lyof] . @)&# r}t d;fGtdf cd]l/sL 8n/ Pssf] vl/b ljlgdo b/ ?=
!)#=!) k'u]sf] 5 . @)&# c;f/ d;fGtdf pQm ljlgdo b/ ?= !)^=&# /x]sf] lyof] .
;/sf/L ljQ l:ylt
ah]6 3f6f÷art
26. cfly{s jif{ @)&#÷&$ sf] gf} dlxgf;Dddf gub k|jfxdf cfwfl/t g]kfn ;/sf/sf] ah]6 ?= ^#
ca{ %( s/f]8n] artdf /x]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] art ?= $& ca{ ^(
s/f]8 /x]sf] lyof] .
;/sf/L vr{
27. ;dLIff cjlwdf gub k|jfxdf cfwfl/t
s'n ;/sf/L vr{ $^=^ k|ltztn] j[l4
eO{ ?= $!( ca{ (# s/f]8 k'u]sf] 5 .
cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf]
vr{ * k|ltztn] a9]/ ?= @*^ ca{
%$ s/f]8 k'u]sf] lyof] .
28. ;dLIff cjlwdf rfn" vr{ $$=^
k|ltztn] a9]/ ?= #)% ca{ && s/f]8
k'u]sf]] 5 . cl3Nnf] jif{sf] ;f]xL
cjlwdf o:tf] vr{ ?= @!! ca{ $$
s/f]8 /x]sf] lyof] . ;dLIff cjlwdf
k"FhLut vr{ ?= &$ ca{ ( s/f]8 ePsf] 5 . cl3Nnf] jif{ o:tf] vr{ ?= #@ ca{ $$ s/f]8 ePsf]
lyof] .

g]kfn /fi6« a}+ssf * j6f sfof{nox¿, ;/sf/L sf/f]af/ ug]{ /fli6«o jfl0fHo a}+ssf ^( j6f zfvfx¿, g]kfn a}+s lnld6]8sf $( j6f
zfvfx¿, s[lif ljsf; a}+s lnld6]8sf @$ j6f zfvfx¿, Pe/]i6 a}+s lnld6]8sf ( j6f zfvfx¿, Unf]an cfO{PdO{ a}+s lnld6]8sf $ j6f
zfvfx¿ / g]kfn j+unfb]z a}+s lnld6]8, PgPdaL a}+s lnld6]8, a}s ckm sf7df8f} n'lDagL / ;]Gr'/L sd{l;on a}+ssf] !÷! zfvf /
lhNnfl:yt &( j6} sf]if tyf n]vf lgoGq0f sfof{nox¿ / e'QmfgL s]Gb|x¿af6 k|fKt ljj/0fsf] cfwf/df tof/ ul/Psf] .
6
;/sf/L /fh:j
jS; $M cfly{s jif{ @)&#÷&$ sf] ah]6sf] k|ult
29. ;dLIff cjlwdf g]kfn
-?= s/f]8df_
;/sf/sf] s'n /fh:j
ah]6
gf} dlxgfsf]
ah]6 cg'dfgsf]
;Íng
$$=$
zLif{s
cg'
d
fg
k|
u
lt
k|ltztdf
k|ltztn] j[l4 eO{
?=
$!* ca{ (%
104,892.1
s'n vr{
41993.4
40.03
s/f]8df k'u]sf]] 5 .
61,716.4
rfn" vr{
cl3Nnf] jif{sf] ;f]xL
30577.2
49.54
cjlwdf o:tf] /fh:j
31,194.6
k'FhLut vr{
7409.5
23.75
)=$ k|ltztn] 36]/ ?=
11,981.1
ljQLo Joj:yf vr{
4006.8
33.44
@() ca{ !( s/f]8
56,589.7
/fh:j
k'u]sf] lyof] . d"No
41894.7
74.03
clej[l4s/,
eG;f/,
cfos/, cGtMz'Ns nufotsf zLif{sx?df /fh:j pRr b/df a9]sfn] ;/sf/sf] s'n /fh:j
;+sngsf] j[l4b/ pRr /xg uPsf] xf] .
;/sf/sf] gub df}Hbft
30. ;|f]t kl/rfngsf] t'ngfdf ;/sf/L vr{ Go"g ePsf]n] @)&# r}t d;fGt;Dddf g]kfn ;/sf/sf]
g]kfn /fi6« a}+sdf ?= @#$ ca{ ^^ s/f]8 gub df}Hbft sfod /x]sf] 5 .
df}lb|s tyf ljQLo l:ylt
d'b|fk|bfo
31. ;dLIff cjlwdf lj:t[t d'b|fk|bfo (=*
k|ltztn] a9]sf] 5 . cl3Nnf] jif{sf] ;f]xL
cjlwdf pQm d'b|fk|bfo !# k|ltztn] a9]]sf]
lyof] . jflif{s laGb'ut cfwf/df @)&# r}t
d;fGtdf lj:t[t d'b|fk|bfo !^=@ k|ltztn]
a9]sf] 5 .
32. ;dLIff cjlwdf v'b j}b]lzs ;DklQ -ljb]zL
ljlgdo d"NofÍg gfkmf÷gf]S;fg ;dfof]lht_
?= %) ca{ ^$ s/f]8n]] a9]sf] 5 . cl3Nnf]
jif{sf] ;f]xL cjlwdf pQm ;DklQ ?= !^#
ca{ *! s/f]8n] a9]sf] lyof] .
33. ;dLIff cjlwdf ;l~rt d'b|f *=( k|ltztn] a9]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] d'b|f
@=! k|ltztn] 36]sf] lyof] . jflif{s laGb'ut cfwf/df @)&# r}t d;fGtdf pQm d'b|f !^=$
k|ltztn] a9]sf] 5 .
7
s'n cfGtl/s shf{
34. ;dLIff cjlwdf s'n cfGtl/s shf{ ( k|ltztn] a9]sf] 5 . cl3Nnf] jif{{sf] ;f]xL cjlwdf pQm
shf{ %=( k|ltztn] a9]sf] lyof] . jflif{s laGb'ut cfwf/df @)&# r}t d;fGtdf o:tf] shf{ @!=&
k|ltztn] a9]sf] 5 .
35. ;dLIff cjlwdf df}lb|s If]qsf] lghL If]qdflysf] bfjL !%=% k|ltztn] a9]sf] 5 . cl3Nnf] jif{sf]
;f]xL cjlwdf o:tf] bfaL !$=# k|ltztn] a9]sf] lyof] . jflif{s laGb'ut cfwf/df lghL If]qdflysf]
bfjL @)&# r}t d;fGtdf @$=$ k|ltztn] a9]sf] 5 .
lgIf]k ;Íng
36. ;dLIff cjlwdf a}+s tyf ljQLo ;+:yfx¿sf]
lgIf]k *=( k|ltztn] a9]sf] 5 . cl3Nnf] jif{sf]
;f]xL cjlwdf o:tf] lgIf]k !@=! k|ltztn]
a9]sf] lyof] . jflif{s laGb'ut cfwf/df @)&#
r}t d;fGtdf a}+s tyf ljQLo ;+:yfx¿sf]
lgIf]k !^ k|ltztn] a9]sf] 5 . @)&# r}tdf
a}+s tyf ljQLo ;+:yfx¿sf] s'n lgIf]kdf rlNt,
art / d'2tLsf] c+z qmdzM &=% k|ltzt, #^=^
k|ltzt / $)=^ k|ltzt /x]sf] 5 . cl3Nnf]
jif{sf] ;f]xL cjlwdf o:tf] c+z qmdzM (=$
k|ltzt, $@=* k|ltzt / @*=^ k|ltzt /x]sf]
lyof] .
shf{ k|jfx
37. ;dLIff cjlwdf a}+s tyf ljQLo ;+:yfx?sf] lghL If]qtkm{ nufgLdf /lx/x]sf] shf{ !%=^ k|ltztn]
a9]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] shf{ !$=$ k|ltztn] a9]sf]] lyof] . lghL If]qtk{m
k|jflxt shf{dWo] jfl0fHo a}+sx?sf] !(=! k|ltztn] a9]sf] 5 eg] ljsf; a}+s / ljQ sDkgLx?sf]
qmdzM )=! k|ltzt / @=* k|ltztn] 36]sf]] 5 . jflif{s laGb'ut cfwf/df @)&# r}tdf a}+s tyf
ljQLo ;+:yfx¿sf] lghL If]qtk{m nufgLdf /lx/x]sf] shf{ @%=! k|ltztn] a9]sf] 5 .
38. ;dLIff cjlwdf s[lif If]qtkm{sf] shf{ (=# k|ltzt, cf}Bf]lus pTkfbg If]qtkm{sf] shf{ !!=^
k|ltzt, lgdf{0f If]qtk{msf] shf{ !&=% k|ltzt, yf]s tyf v'b|f Jofkf/tkm{sf] shf{ !#=% k|ltzt,
;]jf pBf]utkm{sf] shf{ !^=# k|ltzt / oftfoft, ;~rf/ tyf ;fj{hlgs ;]jf If]qtkm{sf] shf{
@$=! k|ltztn] a9]sf] 5 .
39. @)&# r}t;Dddf a}+s tyf ljQLo ;+:yfx¿sf] nufgLdf /lx/x]sf] shf{dWo] ^)=* k|ltzt shf{
3/ hUufsf] lwtf]df / !$ k|ltzt shf{ rfn" ;DklQ -s[lif tyf u}/–s[lifhGo j:t'_ sf] lwtf]df
k|jfx ePsf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] lwtf]df k|jflxt shf{sf] cg'kft qmdzM ^!=#
k|ltzt / !#=! k|ltzt /x]sf] lyof] .
8
40. @)&# c;f/ d;fGtsf]
t'ngfdf @)&# r}tdf a}+s
tyf ljQLo ;+:yfx¿sf] s'n
nufgLdf /x]sf] shf{dWo]
cf]e/8«fˆ6, z]o/ dflh{g,
3/hUuf (Real Estate) tyf
xfo/ kr]{htkm{sf] shf{
lj:tf/ ePsf] 5 .
aS; %M a}+s tyf ljQLo ;+:yfx?sf] s]xL If]qdf nufgLdf /x]sf]
shf{
-/sd ?= ca{df_
zLif{s
cf]e/8«fˆ6
3/ hUuf shf{ -JolQmut
cfjf;Lo 3/ shf{;d]t_
xfo/ kr]{h
@)&@
c;f/
r}t
@)&#
c;f/
r}t
246
278.6
294.3
346.5
204.6
231.1
250.9
292.4
81
92.9
110.1
149
41. @)&# r}t;Dddf jfl0fHo
24.1
35
37.7
39.2
z]o/ dflh{g shf{
a}+sx¿af6 ;fgf tyf
demf}nf Joj;fodf k|jflxt shf{ (SMEs Loan) s'n shf{sf] @=^ k|ltzt -?= $@ ca{ @! s/f]8_
5.
42. ;dLIff cjlwdf jfl0fHo a}+sx¿af6 k|jflxt 6«i6 l/l;6 -cfoft_ shf{ #=@ k|ltzt -?= @ ca{ #@
s/f]8_ n] a9]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] shf{ !@=@ k|ltztn] a9]]sf]
lyof] .
t/ntf Joj:yfkg
43. cfly{s jif{ @)&#÷&$ sf] gf} dlxgf;Dddf v'nf ahf/ sf/f]af/dfkm{t ?= ^! ca{ t/ntf k|jfx
ePsf] 5 . o; cGtu{t l/kf] af]nsaf]n -Aofhb/ sl/8f]/ cGtu{tsf] ?= % ca{ $) s/f]8 ;lxt_
dfkm{t\ s'n ?= ## ca{ @! s/f]8 / ;f]em} v/Lb af]nsaf]ndfkm{t ?= @& ca{ &( s/f]8 t/ntf
k|jfx ePsf] 5 . ;fy}, ;dLIff cjlwdf jfl0fHo a}+s tyf ljQLo ;+:yfx?n] ?= ^! ca{ &$
s/f]8sf] :yfoL t/ntf ;'ljwf pkof]u u/]sf 5g\
44. cfly{s jif{ @)&#÷&$ sf] gf} dlxgf;Ddsf] cjlwdf o; a}+sn] ljb]zL ljlgdo ahf/ -jfl0fHo
a}+sx¿_ af6 cd]l/sL 8n/ # ca{ # s/f]8 v'b vl/b u/L ?= #@$ ca{ %^ s/f]8 v'b t/ntf
k|jfx u/]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf ljb]zL ljlgdo ahf/af6 cd]l/sL 8n/ # ca{ #)
s/f]8 v'b vl/b eO{ ?= #$( ca{ ^^ s/f]8 v'b t/ntf k|jfx ePsf]] lyof] .
45. cfly{s jif{ @)&#÷&$ sf] gf} dlxgf;Dddf v'nfahf/ sf/f]af/dfk{mt\ ?= !)! ca{ !) s/f]8
t/ntf k|zf]rg ul/Psf] 5 . o; cGtu{t Aofhb/ sl/8f]/ cGtu{tsf] rf}w lbg] lgIf]k
af]nsaf]ndfk{mt\ ?= @( ca{ *) s/f]8, () lbg] lgIf]k af]nsaf]ndfkm{t\ ?= & ca{ % s/f]8 /
l/e;{ l/kf]dfk{mt\ ?= ^$ ca{ @% s/f]8sf] k|zf]rg ePsf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf lgIf]k
af]nsaf]n, l/e;{ l/kf] tyf ;f]em} laqmL af]n–saf]ndfk{mt\ qmdzM ?= @(& ca{ %) s/f]8, ?= !^%
ca{ $ s/f]8 / ?=( ca{ !) s/f]8 u/L hDdf ?= $&! ca{ ^$ s/f]8 t/ntf k|zf]rg ul/Psf]
lyof] .
46. ;dLIff cjlwdf cd]l/sL 8n/ # ca{ @@ s/f]8 / o"/f] ( s/f]8 %) nfv laqmL u/L ?= #%$ ca{
$ s/f]8 a/fa/sf] ef=?= vl/b ePsf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf cd]l/sL 8n/ @ ca{ $*
s/f]8 / o"/f] ^ s/f]8 laqmL u/L ?= @^* ca{ #( s/f]8 a/fa/sf] ef=?= vl/b ePsf] lyof] .
9
k'g/shf{, pTkfbgzLn shf{ / ljkGg ju{ shf{
47. pTkfbgzLn If]qtk{m nufgL tyf lgof{t lj:tf/df ;d]t ;xof]u k'¥ofpg] p2]Zon] o; a}+saf6
;x'lnot b/df k|bfg ul/g] k'g/shf{sf] pkof]u ;dLIff cjlwdf a9]sf] 5 . ;dLIff cjlwdf
;fwf/0f k'g/shf{ ?= ( ca{ & s/f]8 !) nfv / lgof{t shf{ ?= $@ s/f]8 $# nfv u/L s'n ?=
( ca{ $( s/f]8 %# nfv k'g/shf{ pkof]u ePsf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf ;fwf/0f
k'g/shf{ ?= @ ca{ () s/f]8 / lgof{t k'g/shf{ ?= ! ca{ !@ s/f]8 u/L hDdf ?= $ ca{ @
s/f]8 k'g/shf{sf] pkof]u ePsf] lyof] .
48. e"sDk kLl8tx¿nfO{ a9Ldf @ k|ltzt;Ddsf] Aofhdf cfjf;Lo shf{ k|bfg ug{ o; a}+saf6 a}+s
tyf ljQLo ;+:yfx?nfO{ z"Go Aofhb/df k'g/shf{ ;'ljwf pknAw u/fpg] Joj:Yff cGtu{t @)&#
r}t d;fGt;Dd s'n ?= ^! s/f]8 @# nfv @% xhf/ shf{ k|bfg ePsf] 5 .
49. jfl0fHo a}+sx¿n] tf]lsPsf pTkfbgzLn If]qdf s'n shf{sf] @) k|ltzt shf{ k|bfg ug'{kg]{
gLltut Joj:yf /x]sf]df @)&# r}t d;fGt;Dddf jfl0fHo a}+sx¿sf] o:tf] shf{ cg'kft !&=!
k|ltzt /x]sf] 5 .
cGt/–a}+s sf/f]af/
50. cfly{s jif{ @)&#÷&$ sf] gf} dlxgf;Dddf jfl0fHo a}+sx¿n] ?= &&@ ca{ % s/f]8 / cGo ljQLo
;+:yfx¿ -jfl0fHo a}+sx¿aLr afx]s_ n] ?= @(^ ca{ &* s/f]8sf] cGt/–a}+s sf/f]af/ u/]sf 5g\
. cl3Nnf] jif{sf] ;f]xL cjlwdf jfl0fHo a}+sx¿ / cGo ljQLo ;+:yfx¿n] qmdzM ?= ^$) ca{ @$
s/f]8 / ?= ^! ca{ $& s/f]8sf] o:tf] sf/f]af/ u/]sf lyP .
Aofhb/
51. @)&@ r}tdf (!–lbg] 6«]h/L ljnsf] efl/t cf};t Aofhb/ !=! k|ltzt /x]sf]df @)&# r}tdf
)=(# k|ltzt sfod ePsf] 5 . jfl0fHo a}+sx¿aLrsf] cGt/–a}+s sf/f]af/sf] efl/t cf};t
Aofhb/ @)&@ r}tsf] !=%( k|ltztsf] t'ngfdf @)&# r}tdf )=&% k|ltzt /x]sf] 5 . cGo
ljQLo ;+:yfx¿aLrsf] cGt/–a}+s sf/f]af/sf] efl/t cf};t Aofhb/ @)&@ r}tsf] !=%@ k|ltztsf]
t'ngfdf @)&# r}tdf &=@& k|ltzt /x]sf] 5 .
52. @)&# r}tdf jfl0fHo a}+sx¿sf] shf{ tyf lgIf]kaLrsf] efl/t cf};t Aofhb/ cGt/ %=& k|ltzt
/x]sf] 5 . cl3Nnf] jif{sf] r}tdf o:tf] Aofhb/ cGt/ ^=! k|ltzt /x]sf] lyof] . To;}u/L, jfl0fHo
a}+sx¿sf] cf};t cfwf/ Aofhb/ @)&@ r}tsf] ^=# k|ltztsf] t'ngfdf @)&# r}tdf *=^ k|ltzt
sfod x'g cfPsf] 5 .
dh{/÷k|flKt
53. ljQLo :yfloTj clej[l4 ug{ cjnDag ul/Psf] dh{/÷k|flKt gLlt sfof{Gjogdf cfP;Fu} dh{/ tyf
k|flKt k|lqmofdf ;fd]n x'g] a}+s tyf ljQLo ;+:yfx¿sf] ;+Vof a9\b} uPsf] 5 . @)&# r}t
d;fGt;Dddf s'n !#^ j6f a}+s tyf ljQLo ;+:yfx¿ -3 ju{sf ;lxt_ dh{/÷k|flKt k|lqmofdf
;fd]n ePsf 5g\ . o;dWo] (@ j6f ;+:yfx?sf] Ohfht vf/]h x'guO{ s'n $$ ;+:yf sfod /x]sf
5g\ .
10
k"“hL ahf/
54. g]K;] ;"rsfÍ jflif{s ljGb'ut cfwf/df
@@=@ k|ltztn] j[l4 eO{ @)&# r}t
d;fGtdf !,^(&=! ljGb'df k'u]sf] 5 .
@)&@ r}t d;fGtdf pQm ;"rsfÍ
cl3Nnf] jif{sf] ;f]xL cjlwsf] t'ngfdf
$^=$ k|ltztn] j[l4 eO{ !,#**=^ ljGb'
sfod ePsf] lyof] . lwtf]kq ahf/df
ul/Psf ljleGg ;'wf/x? Pjd\ ljQLo
;+:yfx?sf] k"FhL j[l4 z]o/ ahf/ kl/;"rs
j[l4sf] k|d'v sf/0f x'g\ .
55. lwtf]kq ahf/ kF"+hLs/0f jflif{s ljGb'ut cfwf/df #)=$ k|ltztn] j[l4 eO{ @)&# r}t d;fGtdf
?= !,(%! ca{ !% s/f]8 k'u]sf] 5 . ahf/ k"FhLs/0f cl3Nnf] jif{sf] ;f]xL cjlwdf %#=* k|ltztn]
j[l4 ePsf] lyof] . cfly{s jif{ @)&#÷&$ sf] cg'dflgt s'n ufx{:Yo pTkfbg;Fu @)&# r}t
d;fGtsf] ahf/ k"FhLs/0fsf] cg'kft &%=! k|ltzt /x]sf] 5 . ahf/ k"FhLs/0fdf a}+s tyf ljQLo
;+:yfx¿ -aLdf sDkgLx? ;lxt_ sf] c+z *^=& k|ltzt /x]sf] 5 eg] hnljB't\ If]qsf] #=^
k|ltzt, pTkfbg tyf k|zf]wg If]qsf] @=) k|ltzt, xf]6nx¿sf] !=% k|ltzt, Jofkfl/s ;+:yfx¿sf]
)=! k|ltzt / cGosf] ^=! k|ltzt /x]sf] 5 .
56. ;dLIff cjlwdf s'n z]o/ sf/f]af/ /sd !)&=@ k|ltztn] j[l4 eO{ ?= @( ca{ @& s/f]8 k'u]sf]
5 . cl3Nnf] jif{sf] ;f]xL cjlwdf sf/f]af/ /sddf @&#=! k|ltztn] j[l4 eO{ ?= !$ ca{ !#
s/f]8 k'u]sf] lyof] .
57. g]kfn :6s PS;r]Gh lnld6]8df ;"rLs[t sDkgLx¿sf] ;+Vof @)&# r}t d;fGt;Dddf @!) /x]sf]
5 . @)&@ r}t d;fGtdf o:tf] ;+Vof @#! /x]sf] lyof] . s]xL a}+s tyf ljQLo ;+:yfx? Ps
cfk;df dh{ ePsf sf/0f ;"rLs[t sDkgLx?sf] ;+Vof 36\g uPsf] xf] . ;"rLs[t sDkgLx¿dWo]
a}+s, ljQLo ;+:yf / aLdf sDkgLsf] ;+Vof !^( /x]sf] 5 . o; afx]sf !* j6f pTkfbg /
k|zf]wg pBf]u, !@ j6f hnljB't\ sDkgL, $÷$ j6f xf]6n tyf Jofkfl/s ;+:yf / # j6f cGo
;d"xsf /x]sf 5g\ .
58. g]kfn :6s PS;r]Gh lnld6]8df ;"rLs[t sDkgLx¿sf] r'Qmf k"FhL jflif{s ljGb'ut cfwf/df $@=#
k|ltztn] j[l4 eO{ @)&# r}t d;fGtdf ?= @^( ca{ &% s/f]8 k'u]sf] 5 . cfly{s jif{ @)&#÷&$
sf] gf} dlxgf;Dddf ?= @ ca{ @ s/f]8 a/fa/sf] ;fwf/0f z]o/, ?= !$ ca{ (^ s/f]8 a/fa/sf]
xsk|b z]o/, ?= @! ca{ %^ s/f]8 a/fa/sf] af]g; z]o/, ? ^@ ca{ a/fa/sf] ;/sf/L C0fkq /
?= ! ca{ @% s/f]8 a/fa/sf] Do'Ro'cn km08 u/L s'n ?= !)! ca{ &( s/f]8 a/fa/sf] yk
lwtf]kq ;"rLs[t ePsf 5g\ .
11