xsf/L If]qsf sf]ifx? - National Cooperative Bank

Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
æ;xsf/L ;+3÷;+:yfx¿sf] k|a4{g, ljsf; Pjd\ a}+lsË sf/f]af/sf] nflu ;xsf/L If]qsf] Ps dfq a}+sÆ
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;xsf/L If]qsf sf]ifx? /fli6«o ;xsf/L a} +sdfkm{t nlIft ju{df k'¥ofpg dfu
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eQmk'/ lhNnfsf] af]8]l:yt g]kfn s[lif
ljsf; a} +ssf] s]Gb|Lo tflnd s]Gb|df
@)^* d+l;/ @* ut] ;DkGg eof] .
;fwf/0f;efn] a}+ssf] ut
jif{sf] cfly{s tyf k|ult k|ltj]bg
kfl/t ug'{sf ;fy} cfufdL cfly{s
jif{sf] gLlt tyf sfo{qmd kfl/t u/]sf]
lyof] . ;fwf/0f;efsf] pb\3f6g s[lif
tyf ;xsf/L dGqL gGbgs'df/ bQn]
ug'{ePsf] lyof] . pxfFn] ;xsf/L
a}+snfO{ ;xsf/L If]qsf] s]Gb|Lo a}+s
agfpg, /fHosf sf]ifx?nfO{ ;xsf/L
a}+s dfkm{t nlIft ju{df k'¥ofpg /
b]zsf] cfly{s ljsf;sf nflu ;xsf/L
If]qnfO{ ;jn agfpg cfjZos /x]sf]
atfpg'ePsf] lyof] .
;fwf/0f;efsf] pb\3f6g
Sahakarita (Half-Yearly)
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sfo{qmddf /fli6«o ;xsf/L ;+3 ln=sf
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nlntk'/, eQmk'/ / sfe|]
cg';f/ g]kfnn] klg cGt/f{li6«o
lhNnfsf ljleGg ;xsf/L ;+3
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;xsf/L jif{ dgfpb} 5 . g]kfn
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k"j{ ;Nnfxsf/ 8f=o'j/fh vltj8f,
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afhfufhf ;lxtsf] ¥ofnL
;xsf/L ljefusf /lhi6«f/ ;'bz{g
jif{ dgfpg u7g u/]sf] /fli6«o
v'Nnf d~rdf cfpFb}5 .
9sfn, t/sf/L tyf kmnkm"n s]Gb|Lo
;ldltn] cfh df3 !# ut]
g]kfn ;/sf/n]
;xsf/L ;+3sf cWoIf ljgf]b k/fh'nLn]
sf7df8f} +sf] v'Nnfd~raf6 ;xsf/L jif{sf] cGt/f{li6«o ;xsf/L jif{ dgfpgsf nflu
;xsf/L a}+snfO{ ;a} ;xsf/Lsf] s]Gb|Lo
z'?jft ub} {5 . k|wfgdGqL 8f=afa'/fd s[lif tyf ;xsf/L dGqLsf] ;+of]hsTjdf
a}+ssf ?kdf cufl8 a9fpg'kg]{df hf]8
e§/fO{n] cGt/f{li6«o ;xsf/L jif{sf] %! ;b:oLo /fli6«o ;ldlt / lhNnf
lbg'ePsf] lyof] .
pb\3f6g ub} { x'g'x'G5 .
lhNnfdf :yfgLo ljsf; clwsf/Lsf]
sfo{qmd a}+s ;~rfns
cfh laxfg !! ah] k|wfgdGqLn]
af“sL !! k]hdf ===============
af“sL !# k]hdf ===============
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Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
/fli6«o ;xsf/L a} +s lnld6]8åf/f k|sflzt
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;Nnfxsf/
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Email: sahakaritacontact@gmail.com
Email: info@coopbank.com.np
Website: www.coopbank.com.np
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;+3 ;+:yfx?sf] k|j4{g, ljsf; Pj+ ltgLx?sf] ljlQo
cfjZostfnfO{ k"/f u/L tL ;+3 ;+:yfx?nfO{ a}lsª
;]jfdf kx' Fr lbg tyf cGo ljlQo ;]jf ;'ljwfx?
pknAw u/fO{ ;xsf/L If]qnfO{ ;xof]u k'¥ofpg] pb]Zon]
vf]lnPsf] ;xsf/L If]qsf] d'n'ss} Ps dfq a} +s xf] .
o; a} +sn] ;xsf/L ;+3 ;+:yfaLr dfq sf/f]af/ ug] {
cWoIf, /d]z kf]v/]n
ub{5 . d'n'ssf] Ps dfq ;xsf/L a} +s ePsfn] o;n]
b]ze/L 5l/P/ /x]sf] ;xsf/L ;+3 ;+:yfx?nfO{ ;]jf, ;'ljwf pknAw u/fpg'kg] {
/ cfj4tf u/fpg'kg] { ePsf] x'bfF zfvf k4tLo lx;fjn] o;n] cfkm\gf]
sf/f]af/ tyf ;+/rgfnfO{ cufl8 a9fPsf] 5 . xfn s]Gb|Lo sfof{nosf cltl/Qm
@% zfvf sfof{no :yfkgf eO;s]sf 5g\ . /fli6«o ;xsf/L a} +sn] cfkm\gf
;b:o ;+3 ;:yfnfO{ ljut jif{b]lv g} d'gfkmf ljt/0f ub} { cfPsf] 5 .
/fHon] cy{tGqsf # :tDe dWo] Ps :tDesf ?kdf :jLsf/ u/]sf]
;xsf/L If]qsf] cy{tGqdf dxTjk"0f{ of]ubfg /x]sf] 5 . ;xsf/L If]qn] g]kfnsf]
s'n ljlQo If]qsf] !% k|ltzt eGbf dfly of]ubfg /x]sf] / ul0ftLo lx;fjn]
cfkm\gf] / ;b:ox?sf] sf/f]af/ hf]8\bf pRr x'g] x' Fbf a} +sn] l;+uf] d'n'ssf]
cy{tGqdf pRr of]ubfg u/]sf] 5 . @)^& ;fpg !) ut] g]kfn /fi6« a} +sn]
;Dk"0f{ ljlQo hjfkmb]xLtf ;lxtsf] :jLs[lt k|bfg u/]sf] 5 . a} +sn] cfufdL
of]hgf cGtu{t a} +s P]g agfpg], PlalaP; ;]jf ;~rfng ug] {, cGt/f{li6«o
;xsf/L dxf;+3 -cfO;LP_ sf] ;b:otf lng], ljleGg sf]if kl/rfngsf nflu
;/sf/nfO{ cg'/f]w ug] {, ;xsf/L If]qsf] ;a} ah]6 ;xsf/L a} +s dfkm{t kl/rflnt
ug] {, o;} cfly{s jif{ leq $) 7fpFdf zfvf k'¥ofpg], shf{ ;"rgf s]Gb|
;~rfngsf nflu kxn ug] { tof/L u/]sf] 5 . cGt/f{li6«o ;xsf/L jif{ ;g\ @)!@
pb\3f6gsf] cj;/ kf/]/ a} +ssf] d'vkqsf ?kdf æ;xsfl/tfÆ klqsf ;fj{hlgs
ul/b}5 . klqsfn] a} +ssf ultljlw ;b:o tyf cfd hgtfdf k'¥ofpg ;xof]u
k'¥ofpg] ck]Iff lnPsf] 5' . klqsf k|sfzgdf h'6\g] ;a}nfO{ wGojfb ;lxt
cGt/f{li6«o ;xsf/L jif{ @)!@ sf] ;kmntfsf] sfdgf ub{5' .
cGt/f{li6«o ;xsf/L jif{ ;kmn kf/f} +
@)^) c;f/ @% ut] btf{ eP/ @)^! ;fpg !( ut]b]lv sf/f]af/ z'? u/]sf] /fli6«o
;xsf/L a} +s lnld6]8 ;xsf/L If]qsf] ;zQm / ;a}eGbf 7'nf] ljlQo ;+:yfsf ?kdf :yflkt ePsf]
5 . a} +sdf g]kfn ;/sf/, /fli6«o ;xsf/L ljsf; af]8{, ;xsf/Lx?sf] 5ftf ;+u7g /fli6«o ;xsf/L
;+3 ln=, s]Gb|Lo ;xsf/L ;+3x? nufot b]ze/sf # xhf/ ^ ;o %% eGbf a9L ;xsf/L ;+3
;+:yfx? cfj4 5g\ . k|f/lDes ;xsf/Lx?b]lv g]kfn ;/sf/;DdnfO{ ljlQo ?kdf Ps7fpFdf
;xefuL u/fpg ;Sg] k|fjwfg ;lxtsf] /fli6«o ;xsf/L a} +s ;b:ox?sf] lx;fan] ;a} eGbf w]/}
lhNnfdf km}lnPsf], w]/} ;b:o ePsf], w]/} zfvf ePsf] ljlQo ;+:yf xf] . ;xsf/L a} +snfO{ ;a}
;xsf/Lx?sf] s]Gb|Lo a} +s agfpg, ;xsf/L a} +s P]g Nofpg tyf g]kfn ;/sf/n] ;xsf/L If]qdf ug] {
;Dk"0f{ nufgL ;xsf/L a} +s dfkm{t nlIft ju{df k'¥ofpgsf nflu /fHo nufot ;a} ;/f]sf/
jfnfx?sf] Wofg hfg h?/L 5 .
;+o'Qm /fi6«s;+3n] ;g @)!@ nfO{ cGt/f{li6«o ;xsf/L jif{sf ?kdf dgfpg] 3f]if0ff u/]
cg';f/ g]kfndf klg cGt/f{li6«o ;xsf/L jif{ dgfOFb}5 / cfh o;sf] ljlwjt pb\3f6g x'b}5 .
…;xsf/L Joj;foåf/f ;d[4 ljZjsf] lgdf{0fÚ eGg] gf/fsf ;fy dgfpg nfluPsf] cGt/f{li6«o
;xsf/L jif{sf] d'Vo pb]Zo ;xsf/L cy{Joj:yfsf af/]df ;j{;fwf/0fdf hgr]tgf clej[l4 ug] { /
;xsf/Lsf l;4fGt tyf d"Nox?nfO{ Jojxf/df ptfg{ clek| ]l/t ug' {, ;xsf/L If]qsf] kx' Fr clej[l4
ug] { / o;sf] pkfb]otf j[l4 ug' { tyf ;xsf/L cy{Joj:yfsf] ljsf;, lj:tf/ / k|a4{gsf nflu
pko'Qm gLltsf] lgdf{0f, sfg'gx?sf] kl/dfh{g tyf cfjZostf cg';f/ gofF sfg'gx¿sf] th' {df /
;+:yfut Ifdtf a9fpg' xf] . ;xsf/L If]qnfO{ hgtfsf aLrdf k'¥ofpg'sf ;fy} of] If]qsf] k|efjsfl/tf;+u}
cfly{s, ;fdflhs / ;f+:s[lts ljsf;df ;xefuL u/fpgsf nflu of] jif{n] dxTjk"0f{ e"ldsf lgjf{x
ug' { k5{ . g]kfn ;/sf/n] s[lif tyf ;xsf/L dGqLsf] ;+of]hsTjdf cGt/f{li6«o ;xsf/L jif{ @)!@
/fli6«o ;ldlt tyf lhNnf:t/df :yfgLo ljsf; clwsf/Lsf] ;+of]hsTjdf lhNnf ;ldltx? u7g
u/]sf] 5 . oL ;ldltx? ;xsf/L cleofgsf ljleGg ;+3–;+u7gx?aLr ;dGjo u/L ;xsf/L
cleofgnfO{ Jofks agfpg ljleGg lsl;dsf ultljlwx? ;~rfng ug{ cfjZos 5 . ;a}
;xsf/LsdL{x? Pstfj4 eP/ cGt/f{li6«o ;xsf/L jif{nfO{ ;kmn kf/f{ } { .
/fli6«o ;xsf/L a} +s lnld6]8 :yfkgfsf] k|d'v
p2]Zo g]kfne/ :yfkgf ePsf ;Dk"0f{ ;xsf/L ;+3 ;+:yfx?sf]
k|j4{g, ljsf; ug' { / ltgLx?sf] ljlQo cfjZostfx?nfO{
k'/f u/L tL ;+3 ;+:yfx?nfO{ a}lsª ;]jfdf kx' Fr lbg tyf
lt lgsfox?nfO{ ljlQo ;]jf ;'ljwfx? pknAw u/fO{
;xsf/L If]qnfO{ ;xof]u ug' { xf] . ;f]xL pb]Zo kl/k"lt{ ug{sf
nflu @)^) ;fn c;f/ @% ut] ;xsf/L ljefudf of] a} +s
btf{ ePsf] xf] . g]kfn ;/sf/, /fli6«o ;xsf/L ljsf; af]8{, k|aGw ;~rfns s]=aL= pk| ]tL
/fli6«o ;xsf/L ;+3, ljifout s]Gb|Lo ;xsf/L ;+3x?, lhNnf ;+3, ljifout
lhNnf ;+3x? / k|f/lDes ;xsf/L ;+:yfx? ;b:o agfO{ ltgLx?sf] ljlQo
cfjZostf k"/f ug{ ljleGg art tyf lgIf]k of]hgfx?df cfsif{s Aofhb/ lbO{
;do ;fk]If Jofhb/df shf{ pknAw u/fpg] u/]sf] / ;b:ox?sf] tkm{af6 a} +s
Uof/]06L tyf ljlQo ;'ljwf pknAw u/fpg] gLlt tyf sfo{qmdx? cjnDag ub} {
cfjZostf / cfTdlge{/tfsf] ljrf/ u/L ;b:o ;+:yfx?nfO{ ;]jf ;'ljwfdf j[l4
ug] {, zfvf lj:tf/ ub} { ;b:o, r'Qmfk" FhL / lgIf]k sf/f]af/ j[l4 ub} { d'gfkmfdf ;d]t
j[l4 u/L nfef+zdf ;d]t qmdz a[l4 ub} { hfg] sfo{qmd a} +sn] ;~rfng u/]sf] 5 .
#^%% eGbf a9L ;+3 ;+:yfx?nfO{ ljlQo sf/f]af/df ;xefuL u/fPsf]n] ;dfhdf
/f]huf/L l;h{gf ug{, g]t[Tj ljsf; ug{ / cfly{s, ;fdflhs pGgtLdf ;d]t o;
a} +sn] 6]jf k'¥ofPsf] 5 eg] ;/sf/n] /fli6«o of]hgfdf ;d]t tLg vDaf dWo] Ps
vDaf ;xsf/L If]qnfO{ dfg]sf] xF'bf
;xsf/L cfGbf]ngnfO{ cufl8 a9fpg ;xsf/L
a} +sn] dxTjk"0f{ e"ldsf lgjf{x ub} { cfPsf] 5 .
cGt/f{li6«o ;xsf/L jif{sf] cj;/ kf/]/ a} +sn] cw{jflif{s klqsf k|sfzg
z'? u/]sf] 5 . a} +ssf] cj:yfsf af/]df cfkm\gf ;b:ox? / cfd hgtfnfO{
hfgsf/L u/fpgsf nflu a} +s ;~rfns ;ldltsf] lg0f{o cg';f/ klqsf
k|sfzg ul/Psf] xf] . klqsf tof/ ug{ lg/Gt/ ?kdf v6\g] k|sfzg pk–
;ldlt, ;Dkfbg d08n / ;xof]u ug] { sd{rf/Lx?nfO{ wGojfb 1fkg ub{5' .
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Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
/fli6«o ;xsf/L a} +s lnld6]8sf] ;+lIfKt kl/ro
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a} +ssf] cfjZostf dx;'; u/L ;xsf/L
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nflu cfjZos sfo{ ug{ Ps …tby{ ;~rfns
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l;kmfl/;df @)^) cfiff9 @% ut] …;xsf/L
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*_ ;b:o M ljgf]bs'df/ clwsf/L -kb]g–
;b:o, /lhi6«f/, ;xsf/L ljefu_
(_ ;b:o M lji0f'bQ zdf{ -kb]g–;b:o,
/fli6«o ;xsf/L ;+3 ln=_
;fwf/0f;ef u/L /fi6«a} +sn] tf]s]sf] of]Uotf
adf]lhd % jif{sf nflu ;~rfns ;ldlt /
n]vf ;ldltsf] lgjf{rg ;DkGg ePsf] lyof] .
o; a}+sn] cfˆgf ;b:o ;xsf/L
;+3÷;+:yfx¿ aLr @)^! >fj0f !( ut]
b]lv sf/f]jf/ ub} cfPsf] 5 . o; a} +snfO{
@)^& >fj0f !) ut] g]kfn /fi6« a} +saf6
;Lldt a} +lsË sf/f]jf/ ug{ :jLs[lt k|fKt
ePsf] 5 . xfn o; a} +sdf g]kfn ;/sf/,
/fli6«o ;xsf/L ljsf; af]8{, /fli6«o ;xsf/L
;+3 lnld6]8, s]Gb|Lo ;xsf/L ;+3x¿, ljleGg
lhNnf ;xsf/L ;+3x¿, ljifout lhNnf
;xsf/L ;+3x¿, ljleGg k|s[ltsf k|f/lDes
;xsf/L ;+:yfx¿ ;d]t cfa4 5g\ .
xfn;Dd ^^ lhNnfsf #^%% eGbf j9L
z]o/ ;b:o ;+3–;+:yfx?n] nlntk'/sf]
s'k08f]nl:yt s]Gb|Lo sfof{no / ljleGg
7fpFdf ;~rfng ePsf @% zfvfaf6
sf/f]jf/ ub} cfPsf 5g\ . a} +sdf xfn *&
hgf sd{rf/L sfo{/t 5g\ . a} +sn] :yfkgfsf]
5f]6f] ;dodf g} ;b:o ;+3 ;+:yfx?sf]
ljZjf; xfl;n ug{ ;kmn ePsf]n] nuftf/
?kdf gfkmfdf ;+rfng x' +b} cfPsf] 5 .
/fli6«o ;xsf/L a} +s ln= sf] p2]Zo
– ;xsf/Lsf ;b:o ;+3 jf ;+:yfnfO{
yf]s shf{sf] ?kdf ljQLo tyf cGo
cfjZos ;xof]u pknAw u/fO{ To:tf
;+3÷;+:yf dfkm{t hgtfsf] cfly{s
tyf ;fdflhs :t/ dfly p7fpg
;xof]u k'¥ofpg] .
– g]kfn ;/sf/ tyf /fi6« a} +ssf] gLlt
lgb{ ]zg / P]gsf] clwgdf /xL /fli6«o
tyf cGt/f{li6«o ;xsf/L ;+3 ;+:yfx?;+u
cfjZos ;dGjo sfod u/L ;xsf/L
cfGbf]ngnfO{ ;xof]u k'¥ofpg] .
– k"FhL cefj ePsf ;xsf/L ;+3
;+:yfx?nfO{ shf{ :j?k k" FhL ;xof]u
u/L Joj;flos jgfpg] / qmdzM
k" FhLdf cfTdlge{/ u/fp+b} n}hfg] .
/fli6«o ;xsf/L a}+s ln=sf] dxTj
– ;xsf/L If]qsf] Ps dfq a} +s /x]sf] .
– u|fdL0f Pjd\ ;fgf demf}nf / 7"nf
pBf]ux?df nufgL ug] .
– u|fdL0f If]q Pjd\ zx/L If]qdf ;d]t
a}lsª sf/f]jf/ ug] .
;xsfl/tf 3 df3–c;f/ @)^*÷)^(

Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
– ;b:o ;xsf/L ;+3–;+:yfsf] lgIf]k nflu o'jf :j/f]huf/ sf]if / ljleGg a} +s ;~rfng ub} { cfPsf] 5 .
Joj:yfkg / pko'St nfe pknAw tyf ljQLo ;+3÷;+:yfdf /x]sf] ljkGg a}+sn] ;xsfo{ ug]{ s]lGb|o ;+3x?
u/fpg] .
If]q /sd k|fKt u/L ;f]xL adf]lhdsf !_ /fli6«o ;xsf/L ;+3 ln= g]kfn
– lzIff tflnd, Joj;flos of]hgf / sfo{qmd ;+rfng ug{ yflnPsf] . @_ g]kfn art tyf C0f s]Gb|Lo ;xsf/L ;+3 ln=
k|fljlws ;]jf ;'ljwf pknAw u/fpg] . – /fli6«o cGt/fli6«o lgsfox?;+u ;dGjo #_ g]kfn s]Gb|Lo pkef]Qmf ;xsf/L ;+3 ln
– cfjZos k" FhL Joj:yfkgdf ;xof]u ul/ o; a}snfO{ kl/lrt ug{ ;kmn x'g' . $_ s]Gb|Lo b'Uw ;xsf/L ;+3 ln g]kfn
ug] { .
– o; a} +sn] ljleGg lhNnfdf ;fwf/0f %_ s]Gb|Lo skmL ;xsf/L ;+3 ln=
– hgtfsf] cfly{s tyf ;fdflhs :t/ ;ef ;DkGg ub} { ;xsf/LsdL{x?nfO{ ^_ s]Gb|Lo t/sf/L tyf kmnkm"n ;xsf/L ;+3 ln=
dfly p7fpg ;xof]u ug] { . P]Soa4 u/fpg ;kmn x'g' . &_ g]kfn df}/Lkfng s]Gb|Lo ;xsf/L ;+3 ln=
– /fli6«o tyf cGt/fli6«o If]qdf ;dGjo
*_ g]kfn s[lif ;xsf/L s]Gb|Lo ;+3 ln
sfod ug] { .
/fli6«o ;xsf/L a} +ssf] klxnf] (_ h"gf/ s]Gb|Lo ;xsf/L ;+3 ln
/fli6«o ;xsf/L a}+s ln=sf sfo{x? ;~rfns ;ldlt -@)^)÷)^%_ !)_ pv' s]Gb|Lo ;xsf/L ;+3 ln
– ;xsf/L ;+3 ;+:yfnfO{ s[lif pBf]u, !_ cWoIf M /fh]zxl/ hf]zL !!_ s]Gb|Lo lrof ;xsf/L ;+3 ln
;]jf Jofkf/ tyf cGo Joj;flos @_ k|jGw ;~rfns M s]=aL=pk| ]tL !@_ s]Gb|Lo ;+rf/ ;xsf/L ;+3 ln=
sfo{sf] nflu l:y/ tyf rfn' k" +hL
#_ ;b:o M uf]ljGbaxfb'/ dNn
$_ ;b:o M /d]zk|;fb kf]v/]n
!#_ ljB't s]Gb|Lo ;xsf/L ;+3 ln=
pknAw u/fpg] .
%_ ;b:o M 8f= ljb'/ rfln;] !$_ s]Gb|Lo :jf:Yo ;xsf/L ;+3 ln=
– ;xsf/L ;+3 ;+:yfnfO{ cfjZostf ^_ ;b:o M /fddfg >]i7
/fli6«o ;xsf/L a+}sn] ljifout
cg';f/ shf{ pknAw u/fpg], ;+3 &_ ;b:o M gd/fh ;fksf]6f ;xsf/L ;+3x? ;+u lgDgfg';f/sf]
;+:yfsf] lgl/If0f, ;'kl/j]If0f tyf *_ ;b:o M efujt >]i7
;dGjo ub}{ cuf8L j9g ;Sg]5 .
cg'udg ug] { .
(_ ;b:o M dfs{08]o pkfWofo -kb]g– – ;b:otf lj:tf/df ;xof]u
– :j]b]zL tyf ljb]zL ;xsf/L tyf lghL ;b:o /lhi6«f/, ;xsf/L ljefu_ – a+ }lª\su sf/f]jf/ ug{ ], u/fpg] sfo{df
If]q;+usf] ;+o'Qm nufgLdf ;xsf/L !)_ ;b:o M l8NnL ltjf/L -kb]g ;b:o, ;xof]u
ljsf;sf nflu cfjZos sfo{x? ug] { . /fli6«o ;xsf/L ;+3 ln=_ – cWoog cjnf]sg e|d0fdf ;xof]u
– cfGtl/s tyf jfXo cjnf]sg e|d0f, lzIff sfg'gL ;Nnfxsf/ M dfwj af“:sf]6f – ;"rgf k|sfzg tflnddf ;xeflutf
tyf tflnd sfo{qmdx? ;+rfng ug] { . n]vf ;ldlt M
– ;xsf/L If]qsf] ljlQo ultljlwdf
– cfw'lgs k|ljlwnfO{ cfTd;fy ub} { bIf ;+of]hs– cf]dk|sfz zdf{
;xeflutf
hgzlQm lgdf{0f ug] { .
;b:o– s'nrGb| clwsf/L – ;xsf/L If]qsf] ljlQo gLlt lgdf{0fdf
;b:o– u0f]zk|;fb a:g]t
– cfjZostf cg';f/ zfvf :yfkgf ug] { .
Ps?ktf
– lgIf]k, z]o/ tyf cGo k" FhL Joj:yfkgdf – lgis[o /x]sf lhNnf ;+3÷ljifout
– ;xsf/L If]qsf] cGo ljljw ljlQo
a[l4 ub} { yk a} +lsª sf/f]jf/ ug] { .
ultljlwdf ;xofqf
;+3x?nfO{ ;lqmo agfO{ ;xsf/L
– pTs[i6 ;b:o ;+3 ;+:yfnfO{ ;Ddfg Pj+
a}+sdf ;b:otf lng] Joj:yf
cleofgnfO{ b]zJofkL agfpg' .
k'/:s[t ug] {
;b:otf lng ;Sg] lgsfo tyf
a} +ssf] ;b:otf lng ;Sg] lgsfox?
– ;do ;fk]If Jofh b/nfO{ ?kfGt/0f ug] { .
;xsf/L ;+3 ;+:yfx?n] slDtdf !) lsQf
– k|f/lDes ;xsf/L ;+:Yffx?
– cfGtl/s ;"rgf k|0ffnLnfO{ yk
-?=!))) sf] Ps lsQf_ z]o/ / ? %))
– ljifout lhNnf ;xsf/L ;+3x?
Jojl:yt ug] { cflb .
k|j]z z"Ns jfkt sf] /sd a'emfO a} +ssf]
– lhNnf ;xsf/L ;+3x?
a}sn] xfl;n u/]sf pknAwLx?
z]o/ vl/b ug{ ;lsg]5 . z]o/ nufgLsf]
– ljifout s]lGb|o ;xsf/L ;+3x?
– cfly{s jif{ @)^&÷)^* sf] gfkmfaf6 !)
cfwf/df ;b:o ;+:yfn] a}sn] tf]s]sf] nfef+z
– /fli6«o ;xsf/L ;+3
k|ltzt nfef+z ljt/0f ug{ ;kmn x'g' .
k|fKt ug{ ;Sg]5 .
– g]kfn ;/sf/
– Zffvfx?sf] lj:tf/;+u} ;b:o ;+3
sf/f]jf/ ug]{ Joj:yf
a} +ssf] ;+rfns tyf n]vf ;ldltsf] 9f+rf
;+:yfx?sf] ;xeflutfdf a[l4 u/fpg
;+:yfut z]o/ ;b:otf k|fKt u/] kZrft
;xsf/L ;+3 ;+:yfx?af6
;kmn x'g' .
a} +såf/f lgwf{l/t ljeGg jrt vftfaf6 ;+:yfsf]
k|ltlglwTj ul/ lgjf{lrt ;+rfns ( hgf,
– ut cfly{s jif{df (* s/f]8 lgIf]k
lgIf]k art ug{ ;lsg]5 art cg';f/sf] leGg
/fli6«o ;xsf/L ;+3 ln= af6 kb]g ! hgf,
;+sng ug] { nIo /x]sf]df ? ! cj{ @#
leGg Jofh q}dfl;s ?kdf k|fKt ug{ ;lsg]
;xsf/L ljefusf /lhi6f/ ! hgf ul/
s/f]8 ;+sng ug{ ;kmn ePsf]
k|fjwfg 5 . ;fy} a}ssf] lgodfg';f/ z]o/
hDdf !! hgfsf] ;+rfns ;ldlt /xg]5
– cfly{s jif{ )^&÷^* df () s/f]8
;b:o ;+3–;+:yfx?n] shf{ lng kfpg] 5 .
eg] ;3 ;+:yfjf6 lgjf{lrt ! hgf ;+of]hs
shf{ nufgL ug] { nIo /fv]sf]df (@
z ] o/ vl/b ubf{ rflxg]
/ @ hgf ;b:o u/L hDdf # hgfsf] n]vf
s/f]8 nufgL ug{ ;s]sf] 5 .
cfjZos sfuhftx?
;ldlt /xg] Joj:yf 5 . a} +sn] cfjZostf
– ;xsf/L n3'ljQ sfo{qmd ;+rfngsf
a} +ssf] z]o/ vl/b ubf{ ;+3 ;+:yf
cg';f/ cGo pk–;ldltx? u7g u/L sfo{
btf{ k|df0f kq, ;+:yfsf] ljlgod, :yfoL n]vf
;xsfl/tf 4 df3–c;f/ @)^*÷)^(

Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
/fli6«o ;xsf/L a} +s ln=sf ;fwf/0f;efx?
{
{
gDj/ PAN, clGtd jif{sf] n]vf kl/If0f
k|ltj]bg, z]o/ vl/b ;DalGw ;~rfns ;ldlt
jf ;fwf/0f;efjf6 u/]sf] lg0f{o, ;+3 ;+:yfsf]
tkm{jf6 tf]lsPsf] k|ltlglwsf] gfd / gd"gf
x:tfIf/ kq ;lxt kl/ro kq, ;a}
;~rfnsx?sf] gfd y/ kb 7]ufgf ;Dks{
6]lnkmf]g / df]jfOn gDj/ cflb -;Dk"0f{
sfuhftx? ;+:yfsf] cflwsf/Ls JolQmaf6
k|dfl0ft u/fpg' kg] {5_ k]z ug' {kg] .
cGTodf, ljBdfg /fhgLlts
cl:y/tf, t/ntfsf] cefj, ljZjJofkL]
cfly{s dGbL, z]o/ ahf/df b]vf k/]sf]
g}/fZok"0f{ cj:yf nufot ljleGg k|sf/sf
jfwf Jojwfgx¿sf afjh'b klg a} +sn]
cfkm\gf] lglb{i6 p2]Zosf ;fy sfo{ ub} cfPsf]
5 . ;xsf/L ;+3 ;+:yfn] dfq sf/f]jf/ ug{
kfpg] Ps dfq o; ;xsf/L a} +s ca lbg
k|ltlbg ;xsf/L ;+3–;+:yfx?sf nflu
ckl/xfo{ aGb} uPsf] 5 . o;sf] k|a4{ {g /
;Da4{g ug{ /fHo tyf ;xsf/LsdL{x?sf]
sf+wdf r'gf}tL k"0f{ lhDd]jf/L cfPsf] 5
o;nfO{ Ps h'6 eP/ cuf8L a9\=g]
k|lta4tfsf ;fy ho ;xsf/L .
jt{dfg ;~rfns ;ldlt
;Nnfxsf/x? M
s]zj a8fn, lbksk|sfz af“:sf]6f,
s]zj g]kfn, 8f=xl/s[i0f pkfWofo,
k|f/lDes ;fwf/0f;ef
/fli6«o ;xsf/L a}+s ln=sf]
k|f/lDes ;fwf/0f;ef @)^) k'; !( ut]
zlgjf/ /fli6«o of]hgf cfof]usf ;b:o
8f= xl/s[i0f pkfWofosf] k|d'v cfltYotfdf
;xsf/L k|lzIf0f s]Gb| gofF afg]Zj/
sf7df8f} +df ;DkGg ePsf] lyof] . pQm
;fwf/0f;efn] klxnf] ;~rfns ;ldlt /
n]vf ;ldlt lgjf{lrt u/]sf] lyof] .
k|yd jflif{s ;fwf/0f;ef
/fli6«o ;xsf/L a} +s ln=sf] k|yd
jflif{s ;fwf/0f;ef @)^@ a}zfv !^
ut] z'qmjf/ lzIff tyf v]ns"b dGqL
/fwfs[i0f d}gfnLsf] k|d'v cfltYotfdf
;xsf/L k|lzIf0f s]Gb| gofF afg]Zj/
sf7df8f} +df ;DkGg ePsf] lyof] .
bf];|f] jflif{s ;fwf/0f;ef
/fli6«o ;xsf/L a}+s ln=sf]
bf];|f] jflif{s ;fwf/0f;ef @)^# h]7
kfrf} jflif{s ;fwf/0f;ef @)^% k';
@) / @! ut] cy{dGqL 8f=afa'/fd
e§/fOsf] k|d'v cfltYotfdf sf7df8f}sf]
g]kfn k|1f k|lti7fgdf ;DkGg ePsf]
lyof] . pQm ;fwf/0f;efn] a} +s ;~rfns
;ldlt / n]vf ;ldlt rog u/]sf] lyof] .
5}7f} jflif{s ;fwf/0f;ef
/fli6«o ;xsf/L a} +s ln=sf] 5}7f}
jflif{s ;fwf/0f;ef @)^^ df3 @# ut]
zlgjf/ ;+ljwfg;efsf cWoIf ;'jf;
g]Dafªsf] k|d'v cfltYotfdf emfkfsf]
d]rLgu/–# w'nfjf/Ldf ;DkGg ePsf]
lyof] .
;ftf} jflif{s ;fwf/0f;ef
/fli6«o ;xsf/L a}+s ln=sf]
;ftf} jflif{s ;fwf/0f;ef @)^& k';
@$ ut] zlgjf/ ;+ljwfg;efsf cWoIf
;'jf; g]Dafªsf] k|d'v cfltYotfdf
sfe| ]sf] ag]kf gu/kflnsf–^ df ;DkGg
lji0f'axfb'/ s]=;L=, k|f=8f=ljZjDe/
Kofs'/]n, efujt >]i7
;~rfns ;ldlt
!_ cWoIf M /d]zk|;fb kf]v/]n
@_ k|jGw ;~rfns M s]=aL=pk| ]tL
#_ ;b:o M /fh]zxl/ hf]zL
$_ ;b:o M 8f= ljb'/ rfln;]
%_ ;b:o M u0f]zk|;fb a:g]t
^_ ;b:o M /fdz/0f zdf{ l3ld/]
@& ut] zlgjf/ ag tyf e"–;+/If0fdGqL
uf]kfn /fO{sf] k|d'v cfltYotfdf cltly
;bg la/f6gu/ df]/ªdf ;DkGg ePsf]
lyof] .
t];|f] jflif{s ;fwf/0f;ef
/fli6«o ;xsf/L a} +s ln=sf] t];|f]
jflif{s ;fwf/0f;ef @)^# k'; * ut]
ePsf] lyof] .
cf7f} jflif{s ;fwf/0f;ef
/fli6«o ;xsf/L a}+s ln=sf]
cf7f} jflif{s ;fwf/0f;ef @)^* d+l;/
@* ut] zlgjf/ s[lif tyf ;xsf/L dGqL
gGbgs'df/ bQsf] k|d'v cfltYotfdf
eQmk'/sf] af]8]l:yt s[lif ljsf; a} +s
&_ ;b:o M ;l/tf e§/fO{
*_ ;b:o M xl/x/gfy of]uL
(_ ;b:o M d's'Gb bfxfn
!)_ ;b:o M ;'bz{gk|;fb 9sfn -kb]g
zlgjf/ pk–k|wfgdGqL tyf k//fi6«dGqL
s]=kL= zdf{ cf]nLsf] k|d'v cfltYotfdf
lbk]Gb| ;efu[x kf]v/fdf ;DkGg ePsf]
ln=sf] s]Gb|Lo tflnd s]Gb|df ;DkGg
ePsf] lyof] .
;b:o– /lhi6«f/, ;xsf/L ljefu_
!!_ ;b:o M ljho/fh l3ld/] -kb]g
;b:o– pkfWoIf, /fli6«o ;xsf/L ;+3 ln=_
n]vf ;ldlt M
;+of]hs– s'nrGb| clwsf/L
;b:o– /fdaxfb'/ lh=;L=
;b:o– s'df/ vqL
cfdlGqt ;b:ox?
/jLls/0f 9sfn
b]j/fh k/fh'nL
Hof]tLk|sfz ;} +h'
s]bf/ dfgGw/
lyof] .
rf}yf] jflif{s ;fwf/0f;ef
/fli6«o ;xsf/L a}+s ln=sf]
rf}yf] jflif{s ;fwf/0f;ef @)^$ k';
@! ut] zlgjf/ s[lif tyf ;xsf/L dGqL
5ljnfn ljZjsdf{sf] k|d'v cfltYotfdf
nlntk'/df ;DkGg ePsf] lyof] .
kfrf} jflif{s ;fwf/0f;ef
/fli6«o ;xsf/L a}+s ln=sf]
cGt/f{li6«o ;xsf/L jif{
@)!@ ;kmn kf/f}+ .
;xsfl/tf 5 df3–c;f/ @)^*÷)^(

Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
qm=;= ljj/)f
2068 cfiff( 32 ;Ddsf] 2068 kf}if 30 ;Ddsf]
1 k'+hL
tyf bfloTj 1,501,003
1.1 z]o/ k" +hL 185,157
1.2 hu]*F tyf sf]ifx? 20,375
1.3 C)fkq tyf j)* -
1.4 ltg{ af+sL shf{ ;fk^ 30,000
1.5 lgIf]k bfloTj 1,232,861
:j]bzL d'b|f 1,232,861
ljb]zL d'b|f
/fli^«o ;xsf/L a} +s ln=
s]lGb|o sfof{no ,s"k)*f]n, nlntk"/
2068 kf}if 30 ut] ;Ddsf] ljQLo ljj/)f
1.6 cfos/ bfloTj 526
1.7 cGo bfloTj 32,084
2 hDdf ;DklQ 1,501,003
2.1 gub tyf a} +s hDdf 566,958
2.2 nufgL 105
2.3 shf{ ;fk^ tyf lan vl/b 915,062
2.4 l:y/ ;DklQ 10,447
2.5 cGo ;DklQ 8,431
3 gfkmf gf]S;fg lx;fj
3.1 Aofh cfDbfgL 128,205
3.2 Aofh vr{ 71,709
v'b Jofh cfDbfgL 56,496
3.3 sldzg tyf l*:sfp)^ -
3.4 cGo ;~rfng cfDbfgL 9,622
3.5 ;^xL #^a( cfDbfgL -
hDdf ;+rfng cfDbfgL 9,622
3.6 sd{rf/L vr{ 10,259
3.7 cGo ;+rfng vr{ 13,647
;Defljt gf]S;fgL Joj:yf cuf*Lsf] gfkmf 42,213
3.8 ;Defljt gf]S;fgL Joj:yfx? 4,342
;+rfng gfkmf 37,871
3.9 u}/ ;+rfng cfDbfgL÷vr{
3.10 ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ 71
lgoldt sf/f]af/af^ cfDbfgL
3.11 c;fdfGo sf/f]af/af^ ePsf] dÚgfkmf÷vr{
37,942
sd{rf/L af]g; tyf cfos/ cl#sf] gfkmf 37,942
3.12 sd{rf/L af]g; Joj:yf 1,800
3.13 s/ Joj:yf 7,228
v'b gfkmf÷-gf]S;fg_ 28,914
?= xhf/df ?= xhf/df
2,240,468
210,312
20,375
95,500
1,854,574
1,854,574
6,596
53,111
2,240,468
825,029
160,105
1,198,969
23,083
33,282
112,810
80,343
32,467
;xsfl/tf 6 df3–c;f/ @)^*÷)^(
-
5,900
-
5,900
10,301
8,383
19,683
2,210
17,473
-
17,473
17,473
17,473

Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
/fli6«o ;xsf/L a}+ssf] s]Gb|Lo sfof{no tyf zfvf sfof{nox?
/fli6«o ;xsf/L a} +s lnld6]8
s]Gb|Lo sfof{no, s'kG8f]n, nlntk'/
sfof{nox¿sf] ljj/0f
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#= zfvf sfof{no rfkfufp“, nlntk'/ )!–%%&$%*$ )!–%%&$%*$
$ zfvf sfof{no gof“jfg]Zj/, sf7df8f} + )!–$$^!^)( ()& )!–$!)$!%)
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( zfvf sfof{no ljtf{df]8,emfkf )@#–%$)^## )@#–%$)^##
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!@ zfvf sfof{no lj/f6gu/, df]/· )@!–$&)*(* )@!–$&)!%#
!# zfvf sfof{no O6x/L, ;'g;/L )@%–%*&&^& )@%–%*&&^&
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!& zfvf sfof{no 3f]/fxL, bfª )*@–%^)(#^ )*@–%^!&%!
!* zfvf sfof{no jL/]Gb|gu/, ;'v] {t )*#–%@%@@( )*#–%@%@@(
!( zfvf sfof{no uf]bfdrf]s, afUn'ª )^*–%@@%@( )^*–%@@%@(
@) zfvf sfof{no jflnª, :ofª\hf )^#–$$)@#* )^#–$$)@@(
@! zfvf sfof{no bdf}nL, tgx'“
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@@ zfvf sfof{no kf]v/f, sf:sL )^!–%#($)$ )^!–%#($)$
@# zfvf sfof{no ljb'/, g'jfsf]6 )!)–%^)(^^ )!)–%^)(^^
@$ zfvf sfof{no ag]kf, sfe| ] )!!–^^!)^# )!!–^^!)^#
@% zfvf sfof{no rl/sf]6, bf]nvf )$(–$@!*&# )$(–$@!*&#
@^ zfvf sfof{no w/fg, ;'g;/L (*%@)$(#%#
;xsfl/tf 7 df3–c;f/ @)^*÷)^(

Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
/fli6«o ;xsf/L ;+3sf] pGgfO;f} ;fwf/0f;ef ;DkGg
sf7df8f} +÷g]kfnsf ;Dk"0f{ ;xsf/L ;3 ;+:yfx?sf] k|:t't ub}{ ;xsf/L tyf ul/aL dGqfno agfpg tyf tLg
5ftf ;+u7g /fli6«o ;xsf/L ;+3 lnld6]8sf] !( cf} vDa] cy{gLlt cg';f/ ;xsf/L If]qnfO{ ah]6 5'§ofpg
jflif{s ;fwf/0f;ef @)^* k'; @( ut] sf7df8f}sf] dfu ug'{ ePsf] lyof] . pxfFn] cGt/f{li6«o ;xsf/L jif{el/
lqk'/]Zj/df ;DkGg eof] . ;fwf/0f;efsf] pb\3f6g ;xsf/Lsf] k|a4{g ;DaGwL ljljw ultljlw ;~rfng ug{
k|wfgdGqL 8f=afa'/fd e§/fOn] ug'{ ePsf] lyof] . b]ze/sf ;xsf/L ;+3;+:yfx?nfO{ cfXjfg ug' {eof] .
;f] cj;/df af]Nb} k|wfgdGqL e§/fOn] sfo{qmddf /fli6«o of]hgf cfof]usf pkfWoIf
cy{tGqsf ;a} If]qdf ;xsf/Ln] of]ubfg k'¥ofpg ;Sg] lbk]Gb|axfb'/ IfqL, /fli6«o ;xsf/L ;+3sf k"j{ cWoIf
ePsfn] ;xsf/LnfO{ Jojl:yt u/fpg' kg] {df hf]8 lbg'ePsf] lbksk|sfz afF:sf]6f, /fli6«o ;xsf/L ljsf; af]8{sf ;x–
lyof] . ;xsf/L If]qnfO{ pTkfbg, phf{ / ul/jL lgjf/0fsf cWoIf ;/f]hs'df/ zdf{, s[lif tyf ;xsf/L dGqfnosf
nflu pkof]u ug'{kg]{df hf]8 lbb} k|wfgdGqL e§/fO{n] ;lrj gfy'k|;fb rf}w/L, ;xsf/L ljefusf /lhi6«f/ ;'bz{g
;xsf/L tyf ul/aL lgjf/0f dGqfno cfjZos /x]sf] 9sfn, ;+3sf ;~rfns /ljGb| s]=;Ln] z'esfdgf dGtJo
wf/0ff /fVg' ePsf] lyof] .
JoQm ug'{ ePsf] lyof] .
;xsf/L dfkm{t hgtfsf] cfly{s, ;fdflhs / ;f+:s[lts sfo{qmddf ;+3sf pkfWoIf ljho/fh l3ld/]n]
ljsf;sf nflu /fHon] tLg vDa] cy{gLlt NofPsf] / ;xsf/L :jfut, ;~rfns ;b:o cf]db]jL dNnn] wGojfb / ;~rfns
If]q, lghL / ;fj{hlgs If]qsf] ;]t' aGg ;Sg] pxfFn] atfpg'eof] . ;b:o l8NnL ltjf/Ln] ;~rfng ug'{ ePsf] lyof] .
sfo{qmddf s[lif tyf ;xsf/L dGqL gGbgs'df/ bQn] s[lif ;fwf/0f;efsf] aGb ;qdf cWoIfsf] k|ltj]bg / n]vf
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nflu ;xsf/L If]q g} pko'Qm x'g] wf/0ff /fVg' ePsf] lyof] . dfly 5nkmn u/L kfl/t ul/Psf] lyof] .
o:t} k"j{
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cy{dGqL e/tdf]xg
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;xsfl/tf 8 df3–c;f/ @)^*÷)^(

Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
cGt/f{li6«o cGt/f{li6«o cGt/f{li6«o ;xsf/L ;xsf/L ;xsf/L jif{
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;xsf/L ;+:yf æThe Rochdale
cf]u6]sf] tYofª\sx¿ ;fj{hlgs ePsf
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5g\ . ljleGg tYofª\sn] k|mfG;, ;+o'Qm
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kfof]lgo;{_ af6 cfw'lgs ;xsf/L
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cleofgsf] z'¿jft ePsf] dflgG5 .
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o;kl5 qmd};Fu o'/f]ksf cGo e"–efu
;fy} gj] {, Go"lhNof08 / cd]l/sfsf] b'Uw
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lasf;zLn tyf ljsl;t ;a} d'n'sx¿n]
cfly{s ljsf;sf] d]¿b08sf] ¿kdf
lrqfs'df/L ;'Aaf
al/i7 k|aGws, /fli6«o ;xsf/L ;+3 ln=
pTkfbgdf (( k|ltzt, sf]l/ofsf] dT:o
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;xsf/L If]qdf cfa4 eO{ cfkm\gf] cfly{s
tyf ;fdflhs ¿kfGt/0fdf nfu]sf 5g\ .
clxn] ;+;f/e/ ;xsf/L If]qn] !) s/f]8
JolQmx¿nfO{ /f]huf/L k|bfg u/]sf] 5
h'g ax'/fli6«o sDkgLx¿sf] t'ngfdf
@) k|ltztn] a9L x'g cfpF5 . o;
cleofgn] ;b:ox?sf] cfly{s
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;zQm e"ldsf lgjf{x ug'{sf ;fy}
;fdflhs ;befj / Pstf sfod /fVgdf
;d]t ct'ngLo of]ubfg k'¥ofO{/x]sf] 5 .
ljZjdf cfly{s dGbLn] k}bf u/]sf]
;+s6sf] 38Ldf ;d]t ;xsf/L
;+3÷;+:yfx?n] cfkm\gf ;b:ox¿nfO{
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klg o; cleofgsf] ;fy{stf yk phfu/
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of] If]q cToGt pko'Qm dfWod ePsf]
s'/f k|dfl0ft x' Fb} cfPsf] 5 .
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nfO{ cGt/f{li6«o ;xsf/L jif{sf ¿kdf
3f]if0ff u¥of] . /fi6« ;+3n] cfkm\gf ;b:o
/fi6«x¿nfO{ Cooperative Enterprises
Build a Better World" æ;xsf/L
Joj;foåf/f ;d[4 ljZjsf]
lgdf{0fÆ eGg] gf/fsf ;fy cGt/f{li6«o
;xsf/L jif{, @)!@ dgfpg cfx\jfg
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;+o'Qm /fi6« ;+3n] ;g\ @)!@ nfO{
cGt/f{li6«o ;xsf/L jif{sf] ?kdf 3f]if0ff
ug' {sf p2]Zox¿ b]xfo jdf]lhd lgwf{/0f
u/]sf] 5 M
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;fdflhs ljsf;df ;xsf/Lsf]
of]ubfgaf/] cfd hg;d'bfonfO{
hfgsf/L u/fpg],
v_ ;xsf/L ;+3÷;+:yfx¿sf] k|j4{g ug] {,
u_ ;xsf/L If]qsf] k|j4{gsf nflu
pko'Qm gLlt, sfg'g tyf lgodfjnL
th'{df ug{ ;/sf/ tyf lgofds
lgsfonfO{ k|f]T;fxg ug] .
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g]t[TjbfoL lgsfo cGt/f{li6«o ;xsf/L
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lx:;f cf]u6]sf] kfOG5 .
xfd|f] h:tf] ljsf;f]Gd"v
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k'¥ofpg'sf ;fy} 3/]n' lx+;f Go"gLs/0f
tyf g]t[Tj ljsf;sf nflu o; If]qsf]
of]ubfg cToGt pRr /x]sf] 5 . o;}sf]
kmn:j¿k cGtl/d ;+ljwfgn] ;xsf/L
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pkef]Qmf, t/sf/L tyf kmnkm"n, lrof,
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;~rf/ nufotsf ljljw k|s[ltsf
;xsfl/tf 9 df3–c;f/ @)^*÷)^(

Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
;xsf/L ;+3÷;+:yfx? dfkm{t ;b:ox¿n] tyf lgodgsf] cefj, cf}krfl/s ;xsf/L u/fPsf] 5 .
;]jf / 6]jf kfO{/x]sf 5g\ . æLearning lzIffsf] cefj o;sf r'gf}tLx¿ x'g\ . o; P]ltxfl;s jif{sf] pknIodf
by DoingÆ sf] l;åfGt cg';f/ l;Sb} ;do ;dodf ;xsf/L If]q ;'b[l9s/0fsf /fli6«o ;xsf/L gLltsf] 3f]if0ff eP g]kfnsf]
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d'n'ssf ;xsf/LsdL{x¿sf nflu cefjdf o; If]qn] ;f]r] cg'¿k k|ult b'ljwfo'Qm P]g, sfg'gx¿sf] kl/dfh{g eO{ {
cWoog ug]{ ynf]sf] ¿kdf ljsl;t ug{ g;s]sf] tLtf] oyfy{ 5 . o:tf] ;xsf/L d}qL agfpg ;s] yk pknJwLd"ns
ePsf 5g\ . art tyf C0f, t/sf/L cj:yfdf ;+o'Qm /fi6« ;+3 / cGt/f{li6«o aGg]5 . o; jif{n] ;xsf/L If]qn] clxn]
tyf kmnkm"nsf] ahf/Ls/0f, b'Uw ;xsf/L dxf;+3n] 3f]if0ff u/]sf] ;Dd xfl;n u/]sf pknlJwx?sf] cWoog
;+sng tyf k|zf]wg nufotsf cGt/f{li6«o ;xsf/L jif{, @)!@ xfdL cg';Gwfg, ;kmn ;xsf/L ;+3÷;+:yfx?sf
sfo{x¿df g]kfnsf ;xsf/L ;xsf/LsdL{x¿sf nflu Pp6f cj;/sf] k| ]/0ffbfoL syfx¿nfO{ /]l8of], 6]lnlehg,
;+3÷;+:yfx¿sf] lqmofsnfkx¿ ¿kdf cfPsf] 5 . Sofg8f, Go"lhNof08, kqklqsf dfkm{t k|efjsf/L ¿kdf k|sfzg
gd'gfsf] ¿kdf ljsl;t x'g yfn]sf ci6«]lnof, hfkfg, l;Ëfk'/, ef/t tyf k|zf/0f u/L cfd;d'bfo ljz]if u/L
5g\ .
nufotsf ljleGg d'n'sx¿n] o; jif{sf b'u{d tyf u|fdL0f If]qdf k'¥ofpgsf nflu
;/sf/n] rfn' jif{sf] ah]6 cj;/df ljljw sfo{qmdx¿ ;+rfng u/L dxTjk"0f{ cj;/ h'6fO{lbPsf] 5 . ;du| /fli6«o
dfkm{t tLg vDa] cy{gLltnfO{ Jojxfl/s dgfpFb}5g\ . jf:tjd} ;xsf/LsdL{x¿sf cy{tGqsf] s'g–s'g If]qdf ;xsf/L] If]qsf]
¿k lbg] pb\3f]if u/]kZrft b]zsf] cfly{s nflu of] jif{ cToGt pT;fxk|b 5 . g]kfn of]ubfg s] slt /x]sf] 5 eGg] af/]df klg
ultljlwdf ljut nfdf] ;dob]lv cflwkTo ;/sf/n] cGt/f{li6«o ;xsf/L jif{, @)!@ lj:t[t cWoog x'g h¿/L b]lvG5 .
hdfpb} cfPsf] lghL If]q ;/sf/ k|lt dgfpg s[lif tyf ;xsf/L dGqLsf] d'n'ssf pTs[i6 ;xsf/L
¿i6 aGb} ;xsf/L lj?4 vlgPsf] 5 . cWoIftfdf Ps /fli6«o ;ldlt, s[lif tyf ;+3÷;+:yfx¿sf] 5gf}6 u/L tYof+s ;lxt
kmn:j?k o; ljifon] /fli6«o cfly{s– ;xsf/L dGqfnosf ;lrjsf] ;fj{hlgs ug' {kb{5 . o'jf, dlxnf tyf
/fhg}lts ;]/f]km]/f]df ax;sf] ¿k lnPsf] ;+of]hsTjdf s]Gb|Lo sfof{Gjog ;ldlt ljkGg ju{x¿nfO{ cfslif{t ug] { cltl/Qm
5 . oBlk ;/sf/n] tLg vDa] cy{gLlt / lhNnf txdf lhNnf ljsf; ;ldltsf lqmofsnfkx¿sf] cfof]hgf, cGt/f{li6«o
cg';f/ ;xsf/L If]qsf] k|j4{gsf nflu ;efkltsf] cWoIftfdf lhNnf sfof{Gjog lgsfox¿;Fusf] ;DjGw lj:tf/ tyf cGo
ah]6 dfkm{t to u/]sf sfo{qmdx? ;d]t ;ldltsf] u7g u/]sf] 5 . o;}aLr d'n'sdf ePsf] zLk, 1fg / k|ljlwnfO{
cfjZos ah]6sf] cefjdf sfof{Gjog cGt/f{li6«o ;xsf/L jif{, @)!@ /fli6«o leq\ofpg /fli6«o tyf cGt/f{li6«o
x'g g;Sg] ;Defjgf b]lvPsf] 5 . /fli6«o ;ldltn] ;g\ @)!@ hgj/L ! tb\g';f/ sfo{qmdx¿ ug{ ;s] ;g\ @)!@ ;xsf/L
;xsf/L gLltsf] cefj, ;xsf/L P]g @)^* kf}if !& ut]sf lbg kqsf/ ;Dd]ng If]qsf nflu pknJwLd'ns /xg]5 .
lgodfjnL ;do;fk]If kl/dfh{g x'g u/L cGt/f{li6«o ;xsf/L jif{sf cj;/df ;xsf/L Joj;fo k|j4{gsf nflu ;xsf/L
g;Sg', pko'Qm Pj+ ;xsf/L d}qL /fh:j /fli6«o ;xsf/L gLlt lgdf{0f tyf ljBdfg k|bz{gLsf] cfof]hgf, ;DefJo Joj;fosf
tyf s/ gLltsf] cefj nufotsf P]g lgodnfO{ kl/dfh{gsf nflu kxn nflu lgMz'Ns d]lzg/L cf}hf/x¿sf] ljt/0f
;d:ofn] ;xsf/L If]qnfO{ cufl8 a9\g ug] {, art tyf C0f Pj+ ;xsf/L a} +s P]g nufotsf sfo{qmd x'g h¿/L /x]sf] 5 .
cj/f]w l;h{gf ug' {sf ;fy} pBf]u, ko{6g, th'{df, s[lif ljsf; a}+ssf] C0fn] yf]kf yf]kf ldn]/ ;d'b| ag] em} + k|f/lDes
ljB't, aLdf, ljBfno ;~rfng ;d:ofu|:t k'/fgf ;xsf/L ;+3;+:yfx?sf] ;xsf/L ;+:yfx¿, lhNnf ;+3x?, s]Gb|Lo
nufotdf o; If]qsf] k|z:t ;Defjgf ;d:of ;dfwfgsf nflu sfo{bn u7g, tyf /fli6«o :t/sf ;xsf/L ;+3x?,
x' Fbf x' Fb} klg ;DalGwt lgsfout P]gx¿df k|yd ;xsf/L dxf;Dd]ng, ;fsf]; lzv/ ;/f]sf/jfnf lgsfox¿ nufot ;Dk"0f{
ljBdfg b'ljwfn] tL If]qdf ;d]t uf]i7L nufot /fli6«o÷cGt/f{li6«o uf]i7L, ;xsf/LsdL{x¿ P]Soj4 eP/ nfu]df dfq
;xsf/Lsf] k|j]znfO{ lgif]w u/]sf 5g\ . nf]s ;]jf cfof]usf] kf7\oqmddf ;xsf/L of] jif{n] ;f]r] cg'¿k ;kmntf kfpg
;xsf/L ;+3÷;+:yf :jlgodgdf cfwfl/t lzIff ;dfj]z, 6]lnlehg /]l8of] sfo{qmd, ;S5 . xfdL ;j} ;xsf/LsdL{x? uf]na4
eO{ ;+rfng x'g] eP klg cfjZos tflnd :df/s lgdf{0f, ¿= %) / !)) b/sf eP/ o; jif{ ;xsf/L dfkm{t ;d[4 g]kfn
tyf lzIffsf] cefjn] sltko ;xsf/L cGt/f{li6«o ;xsf/L jif{sf] nf]uf] c+lst lgdf{0f tkm{ ;fgf] k|of; dfq ug{ ;Sof} +
;+3÷;+:yfx?n] ;xsf/Lsf ;'Gb/ d"No, l;Ssf d'b|0f, x'nfs l6s6 k|sfzg, eg] klg /fi6«;+3n] ;xsf/L Joj;fo
dfGotf tyf l;4fGtx¿sf] k"0f{ kfngf ;xsf/L ;DaGwL rnlrq lgdf{0f dfkm{t ;d[4 ljZj lgdf{0fsf nflu u/]sf]
ug{ ;s]sf 5}gg\ . k|efjsf/L cg'udg nufotsf sfo{qmdx¿ ug]{ hfgsf/L k|0fdf yk ;xof]u k'Ug] b]lvG5 .
ho ;xsf/L
;xsfl/tf 10 df3–c;f/ @)^*÷)^(

Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
/fli6«o ;xsf/L a}+ssf] gjf}+ :yfkgf lbj;
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nlntk'/÷/fli6«o ;xsf/L a} +s lnld6]8sf] gjf} :yfkgf /fd|f] /x]sf] eGb} yk k|ultsf nflu z'esfdgf lbg'ePsf]
lbj; @)^* c;f/ @% ut] dgfOof] . :yfkgf lbj;sf
cj;/df cfof]lht sfo{qmddf af]Ng] jQmfx?n] d'n'ssf]
cy{tGqnfO{ dhj't agfpgsf nflu hgtfnfO{ dflns agfpg]
lyof] . /fli6«o ;xsf/L a} +ssf cWoIf /d]zk|;fb kf]v/]nsf]
cWoIftf, n]vf ;ldltsf ;+of]hs s'nrGb| clwsf/Lsf] :jfut
/ ;~rfns ;b:o ;l/tf e§/fO{n] ;~rfng u/]sf] sfo{qmddf
;xsf/L pBdnfO{ Jojl:yt u/fpg /fHon] :ki6 gLlt agfpg'
kg] {df hf]8 lbPsf lyP .
pQm sfo{qmddf s[lif tyf ;xsf/L dGqL xl/gf/fo0f ofbjn]
a} +ssf k|jGw ;~rfns s] aL= pk| ]tLn] s]lGb|o sfo{fnosf]
sf/f]jf/ s'kf]08nsf] ;u/dfyf ejgjf6 ;+rfng x'g] hfgsf/Lsf
;fy} a} +ssf] ultljlwsf af/]df hfgsf/L u/fpg' ePsf] lyof] .
/fHosf] gLlt lgdf{0fsf qmddf ^% k|ltzt hg;+Vofsf] hLpg] cfwf/
ag]sf] s[lif If]qnfO{ j]jf:tf ug] u/]sf] u'gf;f] ug' {ePsf] lyof] . s[lif ty
;xsf/L If]q k|fyldstfdf gkbf{ ;Dd d'n'ssf] cy{tGqsf] d'Vo cfwf/
@)^) c;f/ @% ut] :yfkgf eO )^! ;fpg !( ut]b]lv
sf7df8f} +sf] gofF afg]Zj/af6 sf/f]af/ z'? u/]sf] /fli6«o ;xsf/L
a} +ssf] s]Gb|Lo sfof{no @)^* ;fpg !( ut]b]lv nlntk'/sf]
:tDe lbuf] x'g g;Sg] ;d]t jxf+n] atfpg'ePsf] lyof] .
sfo{qmddf /fli6«o ;xsf/L ;+3 ln=sf cWoIf tyf
a} +ssf ;Nnfxsf/ s]zj a8fnn] ljZjsf & va{ hgtfnfO{
s'k08f]ndf ;/]sf] 5 .
cfh cGt/f{li6«o ======================================
;xsf/Lsf af/]df hfgsf/L u/fpg / ;xsf/L ;lxtsf]
ld>Lt cy{tGqjf6 ljZjnfO{ cufl8 j9fpg] nIfsf ;fy
;+o'St /fi6« ;+3n] ;g @)!@ nfO{ cGt/fli6«o ;xsf/L jif{
dgfpg nfu]sf] atfpg'ePsf] lyof] . d'n'ssf] cy{tGq
;fj{hlgs, ;xsf/L / lghL x'g\ egL ;+ljwfg ;efdf /x]sf
/fhgLlts bnx?aLr ;xdtL eO;s]sf] ljifonfO{ JolQmut
:jfy{sf sf/0f pN6fpg] wDsL lbg]x?nfO{ ljZjsf] cy{tGq
cWoog ug{ cfu|x ub} a8fnn] s;}sf] wDsLn] ;xsf/L If]q
sdhf]/ gx'g] atfpg' ePsf] lyof] .
sfo{qmddf ;ef;b tyf a} +ssf ;Nnfxsf/ s]zj
g]kfnn] ljrf}lnofx?sf] cGTo u/L hgtfnfO{ g} dflns
agfpg] ;a}eGbf pko'Qm dfWod ;xsf/L ePsfn] s;}sf]
nx8 / wDsLsf kl5 gnfuL /fHon] ;xsf/L Joj;fonfO{
k|fyldstfsf ;fy cufl8 a9fpg' kg]{ wf/0ff /fVg' ePsf]
lyof] . /fli6«o ;xsf/L ljsf; af]8{sf ;x–cWoIf ;/f]hs'df/
zdf{n] ;xsf/Lsf b'Zdgx? ;/sf/L pBf]u ;s]/ cfkmgf]
Jofkf/ a9fpg] WofpGgdf /x]sf] cf/f]k nufpb} ;xsf/LnfO{
/fHon] ;xL ?kd ;Daf]wg ug'{kg]{ atfpg'ePsf] lyof] .
/fli6«o ;xsf/L ;+3sf k"j{ cWoIf tyf a} +ssf ;Nnfxsf/
lbksk|sfz af:sf]6fn] ;+o'Qm /fi6«;+3n] pko'Qm dfg]sf] ;xsf/L
pBdnfO{ s]xL lghL Joj;foLx?n] lj/f]w ug] / ;/sf/ To;}sf
kl5 s'b\g] sfo{n] d'n'ssf] cy{tGq ;an gaGg] atfpg'ePsf]
lyof] . ;xsf/L ljefusf /lhi6«f/ ;'bz{g 9sfnn] ;xsf/Lsf]
lj/f]w ug] {x? ;xsfo{sf] lj/f]wL x'g'sf ;fy} pgLx?nfO{ cy{tGqsf]
af/]df hfgsf/L 5}g eGg] k'li6 x'g] atfpg'ePsf] lyof] .
sfo{qmddf /fli6«o ;xsf/L ;+3sf ;~rfns cf]db]jL
hf]zL dNn, g]kfn pkef]Qmf s]Gb|Lo ;xsf/L ;+3sf cWoIf
lbks/fh kf}8]n, g]kfn s]Gb|Lo df}/Lkfns ;xsf/L ;+3sf
cWoIf u0f]z a:g]t, g]kfn s[lif s]Gb|Lo ;xsf/L ;+3sf cWoIf
v]d kf7s, g]kfn art tyf C0f s]Gb|Lo ;xsf/L ;+3sf
dxf;lrj l8aL a:g]t, /fli6«o ;xsf/L a} +ssf k"j{ ;~rfns
l;jL nfdf nufotn] ;xsf/L a} +sn] 5f]6f] ;dodf u/]sf] k|ult
;+of]hsTjdf #! ;b:oLo lhNnf ;ldlt agfpg] lg0f{o u/]sf]
5 . @)^* k'; !& ut] a;]sf] /fli6«o ;ldltsf] klxnf] j}7sn]
g]kfndf df3 !# ut]sf lbg cGt/f{li6«o ;xsf/L lbj;sf]
pb\3f6g k|wfgdGqL e§/fOaf6 u/fpg] lg0f{o u/]sf] lyof] .
pb\3f6g sfo{qmd ;DkGg ug{sf nflu /fli6«o ;xsf/L ;+3sf
pkfWoIf ljho/fh l3ld/]sf] ;+of]hsTjdf Joj:yfkg ;ldlt
u7g ul/Psf] 5 .
hgtfsf] cfly{s, ;fdflhs, ;fF:s[lts / kof{j/0fLo
ljsf;sf ;fy} ;fdflhs Gofo :yflkt ub} ;dtfd'ns ;dfh
lgdf{0fsf nflu ;xsf/Lsf] dxTj / ul/dfdo e"ldsfsf]
ckl/xfo{tfnfO{ cfTd;ft u/L ;+o'Qm /fi6« ;+3n] ;g @)!@
nfO{ cGt/f{li6«o ;xsf/L jif{ dgfpg] 3f]if0ff u/L ;a} ;b:o
/fi6«x? dfkm{t cGt/f{li6«o ;d'bfonfO{ cfJxfg u/]sf] 5 .
…;xsf/L Joj;foåf/f ;d[4 ljZjsf] lgdf{0fÚ
eGg] d'n gf/fsf ;fy cfd hgtfdf ;xsf/L k|ltsf] r]tgf
clej[l4 ug] {, ;+3÷;+:yfx?sf Joj;fo ljsf; / kx' Fr j[l4df
;xof]u ug] tyf o; If]qsf] k|j4{gsf nflu ;xsf/Ld}qL gLlt
th' {df ug{ ;/sf/ tyf ;/f]sf/jfnf lgsfox?nfO{ k|f]T;fxg
ug] cGt/f{li6«o ;xsf/L jif{sf] d'Vo p2]Zo xf] .
ljZj ;xsf/L cfGbf]ngsf] g]t[TjbfoL lgsfo
cGt/f{li6«o ;xsf/L dxf;+3 -cfO;LP_ n] cGt/f{li6«o ;xsf/L
jif{ @)!@ eJo ?kdf dgfpg ;+;f/e/sf ;b:o ;+3 ;+:yfx?
dfkm{t ;a} ;xsf/LsdL{x?nfO{ P]Soj4 x'g cfJxfg u/]sf] 5 .
g]kfnsf] ;fdflhs cfly{s ?kfGt/0f ug{ / gofF ;+3Lo u0ftflGqs
;+ljwfg aGg] k|lqmofdf /x]sf] jt{dfg ;dodf cGt/f{li6«o
;xsf/L hut;+u xft]dfnf] ub} ;xsf/L If]qsf] dxTj /
e"ldsfnfO{ cem ;zQm kfg] cj;/sf] ?kdf of] jif{nfO{ lnOPsf]
/ cGt/f{li6«o ;xsf/L jif{, @)!@ sf cj;/df ;a}n] cf–cfkm\gf]
tkm{af6 ;lqmotfk"j{s ;xefuL eO{ of]ubfg k'¥ofpg / o;nfO{
clws pknAwLd'ns agfpg /fli6«o ;ldltn] clkn u/]sf] 5 .
;xsf/L jif{sf cj;/df /fli6«o :t/df / lhNnf
txdf ;d]t ljleGg sfo{qmdx? ;~rfng ul/b}5 .
;xsfl/tf 11 df3–c;f/ @)^*÷)^(

Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
w/fgdf ;xsf/L a} +ssf] kRrL;f} + zfvf pb\3f6g
b}n]v / eQmk'/df zfvfsf nflu tof/L clGtd r/0fdf
wg'iff / dxf]Q/Ldf zfvf :yfkgfsf nflu e]nf ;DkGg
w/fg @! ut] pb\3f6g ug] { sfo{qmd /x]sf] a} +ssf
/fli6«o ;xsf/L a} +s lnld6]8sf] ;~rfns ;b:o xl/x/gfy of]uLn] hfgsf/L
@% cf} zfvfsf] @)^* df3 @ ut] ;f]daf/ lbg'eof] . b}n]vsf &) j6f ;xsf/L /fli6«o
;'g;/Lsf] w/fgdf pb\3f6g ePsf] 5 . a} +s ;xsf/L a}+sdf cfj4 eO;s]sf /
;~rfns ;ldltsf cWoIf /d]zk|;fb ;xsf/LsdL{x?sf] ;lqmotfn] a} +ssf] zfvf
kf]v/]nn] pQm zfvfsf] pb\3f6g ug' {ePsf] :yfkgf ug{ nfluPsf] pxfFn] atfpg'eof] .
lyof] . ;f] cj;/df af]Nb} pxfFn] ;xsf/Lx?sf] eQmk'/
a9\bf] cfsif{0fsf sf/0f ;/sf/ ;xsf/Lk|lt o;}u/L, eQmk'/ lhNnfdf a} +ssf] zfvf
;s/fTds xF 'b} uPsf] atfpg' ePsf] lyof] . :yfkgf ug{sf nflu lhNnf cGtu{tsf ;xsf/L
/fli6«o ;xsf/L a} +s lnld6]8n] ;+3 ;+:yfx?sf] e]nf @)^* efb| @^ ut] c/lgsf]
d'n'se/ @% j6f zfvf ;~rfng u/]/ ;xsf/L gd'gf art tyf C0f ;xsf/L ;+:yf ln= sf]
;+3 ;+:yfx?;+u sf/f]af/ ub} { cfPsf] hfgsf/L ;efxndf / @)^* efb| @& ut] l8lehg
u/fpFb} pxfFn] o;} cfly{s jif{leq $) j6f ;xsf/L sfof{nodf sl/j !)) ;xsf/L ;+:yfsf
zfvf :yfkgf ug] { nIo /x]sf] atfpg'eof] . !%) k|ltlglwx?sf] pkl:yltdf ;DkGg ePsf]
@)^) ;fndf :yfkgf ePsf] a} +sn] yf]/} lyof] . sfo{qmdsf k|d'v cltly /fli6«o ;xsf/L
;dodf g} w]/} ;kmntf xfl;n u/]sf] bfjL ;+3sf pkfWoIf Pj+ /fli6«o ;xsf/L a} +ssf
ub} { cWoIf kf]v/]nn] ;xsf/L a} +snfO{ ;a} ;~rfns ljho/fh l3ld/]n] ;xsf/L a} +sn]
;xsf/Lx?sf] s]Gb|Lo a} +s agfpg] k|oTg zfvf ;~rfng cleofg ;~rfng u/]kl5
e}/x]sf] atfpg'eof] .
;xsf/L ;+3 ;:yfx?sf] ;xeflutf / ;lqmotf
sfo{qmddf art tyf C0f s]Gb|Lo a9]sf] atfpg' ePsf] lyof] . e]nfdf a} +ssf cWoIf
;xsf/L ;+3sf ;~rfns ;b:o s]zjk|;fb /d]zk|:ffb kf]v/]nn] ;xsf/LnfO{ :yfloTj agfO
kf]v/]nn] ;xsf/Lsf] efjgfaf6} ;du| ;dfhsf] Joj;foLs/0f ub} { hfg'kg] {df hf]8 lbg'ePsf] lyof] .
cfly{s hLjgdf kl/jt{g cfPsf] atfpg'eof] . ;xsf/L cleofgnfO{ ufpF ufpFdf k'¥ofO
To;}u/L ;xsf/L k|lzIf0f l8lehg sfof{no a9L eGbf a9L hgtfnfO{ ;xsf/L dfkm{t nfeflGjt
;'g;/Lsf k|frfo{ pk]Gb|axfb'/ 9'+ufgfn] ug' { kg] {df hf]8 lbg'ePsf] lyof] . a} +ssf k|jGw
;xsf/Lx?n] ;dfhsf] cfly{s ljsf;df 7'nf] ;~rfns s] aL= pk| ]tLn] a} +ssf] ultljlwsf af/]df
6]jf k'¥ofPsf] bfjL ug' {eof] . lhNnf ;xsf/L hfgsf/L u/fpg' ePsf] lyof] ] . a}ssf n]vf ;ldlt
;dGjo ;ldlt ;'g;/Lsf ;+of]hs ;f]daxfb'/ ;+of]hs s'nrGb| clwsf/Ln] ;xsf/LsdL{x?sf] OR5f
>]i7n] ;xsf/Lsf] ljsf;sf nflu zlQm ePdf ;xsf/L a}ssf] zfvf :yfkgf ;lhn}
;xsf/LsdL{x? Psh'6 eP/ nfUg'kg]{ x'g ;Sg] atfpg' ePsf] lyof] .
atfpg'eof] .
l8lehg ;xsf/L sfof{no eQmk'/sf
sfo{qmddf art tyf C0f lhNnf k|d'v xl/ jflzi7sf] cWoIftf, a} +ssf ;~rfns
;xsf/L ;+3 ;'g;/Lsf pkfWoIf vDal;+x ;b:o d's'Gb bfxfnsf] ;~rfng / ;+rfns
u'?ª, a} +s Joj:yfkg ;ldltsf ;+of]hs ;b:o ;l/tf e6\6/fO{sf] :jfutdf sfo{qmd
g/]zs'df/ Ojf/d nufotn] dtJo JoQm ;DkGg ePsf] lyof] . eQmk'/sf] z+vw/ rf]sdf
ug' {ePsf] lyof] . w/fgdf /fli6«o ;xsf/L a} +ssf] zfvf ;~rfngsf nflu sfof{no Jojl:yt
a} +sdf ^) j6f ;+:yf cfj4 ePsf 5g\ . e}/x]sf] ;~rfns e§/fO{n] hfgsf/L lbg'eof] .
a} +sdf ;b:o ;+3 ;+:yf ylkg] qmd hf/L wg'iff
/x]sf] a} +s Joj:yfkg ;ldltsf ;+of]hs g/]z lhNnf art tyf C0f ;xsf/L
s'df/ Ojf/dn] hfgsf/L lbg'eof] . ;+3 wg'iffsf] cfof]hgfdf ;xsf/L a}ssf]
b}n]v zfvf ;+rfngsf nflu @)^* df3 # ut]
o;}u/L /fli6«o ;xsf/L a}+s hgsk'/df e]nf ;DkGg eof] .
lnld6]8n] eQmk'/ / b}n]vdf zfvf :yfkgf e]nfdf a} +ssf cWoIf /d]zk|;fb
ub} {5 . b}n]vdf a} +ssf] zfvf :yfkgfsf nflu kf]v/]nn] :yfgLo cfly{s ljsf;sf nflu
;Dk"0f{ k|lqmof k"/f eO;s]sf] / @)^* df3 ;xsf/L ;+:yfx?n] u|fdL0f If]qdf dxTjk"0f{
e"ldsf lgjf{x ul//x]sf] rrf{ ub} { /fHon] /fli6«o
;xsf/L a} +s / ;+3 ;+:yfsf] ljsf;df ;/sf/n]
ulDe/tf lnPsf] atfpg'eof] . ;f] cj;/df
a}ssf k|aGw ;Grfns s]=aL pk| ]tLn] a} +ssf]
sfo{ tyf k|utL af/] k|sfz kfb} { ;xsf/L ;+3
;+:YffnfO{ ;xsf/L j}ssf] cem a9L cfjZostf
x' +b} cfPsf] af/] hf]8 lbg'eof] . n]vf ;ldlt
;+of]hs s'nrGb| clwsf/Ln] t/fO{ kxf8 lxdfn
;j} If]qdf ;xsf/L a} +ssf] cfjZostf ePsf]
/ o; t/fOsf] k|d'v gu/L hgsk"/ o;sf]
nflu dxTjk"0f{ sfo{ If]q ePsf] k|i6 kfg' {eof] .
lhNnf art tyf C0f ;xsf/L
;+3sf cWoIf w' |jgf/fo0f ofbjsf] cWoIftfdf
;DkGg cGt/lqmof sfo{qmddf l8lehg ;xsf/L
sfo{fno wg'iffsf ;xsf/L clws[t k|d]Zj/ ofbj,
lhNnf ;xsf/L ;+3 wg'iffsf cWoIf xl/ZrGb|
bl/o, lhNnf pv' ;+3sf cWoIf lhjw dxtf],
g]kfn kqsf/ dxf;+3 wg'iffsf cWoIf /fd cflzif
ofbj, :yfgLo zflGt ;ldlt wg'iffsf ;+of]hs
km"n s'df/L dxtf] ;lxtsf jQmfx?n] ;xsf/L
;+3 ;+:Yff / a} +ssf] ljsf;sf af/]df af]Ng' ePsf]
lyof] . ljleGg ;+3 ;+:yfsf @ ;o %! hgf
k|ltlglwx?sf] pkl:yltdf ePsf] pQm e]nfn]
w' |j gf/fo0f ofbjsf] ;+of]hsTjdf gf} ;b:oLo
;xsf/L a} +s ;dGjo ;ldltsf ;fy} ;Nnfxsf/
;ldlt ;d]t u7g u/]sf] 5 .
dxf]Q/L
o;}aLr /fli6«o ;xsf/L a}+ssf] zfvf
;~rfngsf nflu dxf]Q/Lsf] hn]Zj/df
@)^* df3 $ ut] ToxfFsf ;xsf/LsdL{x?aLr
e]nf ;DkGg ePsf] 5 . e]nfdf k|d'v cltly
a} +ssf k|jGw ;~rfns s]=aL= pk| ]tLn] ;xsf/L
a} +s d'n'ssf] ;a}eGbf w]/} hgtf cfa4 /x]sf]
ljlQo ;+:yfsf ?kdf :yflkt ePsf]
atfpg'eof] . pxfFn] ;xsf/L a} +snfO{ ;a}
;xsf/Lsf] s]Gb|Lo a}+s agfpgsf nflu
;xsf/LsdL{x? Pstfj4 x'g' kg] {df hf]8
lbg'eof] . sfo{qmddf ljlzi7 cltly a} +ssf
n]vf ;ldlt ;+of]hs s'nrGb| clwsf/L,
l8lehg ;xsf/L sfof{no dxf]Q/Lsf clws[t
nufotn] dGtJo JoQm ug' { ePsf] lyof] .
lhNnf ;xsf/L ;+3 ln=dxf]Q/Lsf
cWoIf tyf /fli6«o ;xsf/L ;+3sf ;~rfns
nId0f ofbjsf] cWoIftfdf ;DkGg e]nfn]
pxfFs} ;+of]hsTjdf ( ;b:oLo a} +s ;dGjo
;ldlt u7g u/]sf] 5 .
;xsfl/tf 12 df3–c;f/ @)^*÷)^(

Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
/fli6«o ;xsf/L ==========
cf7f} jflif{s ;fwf/0f;efdf k'/:s[t
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cWoIftf, ;~rfns ;b:o tyf cf7f}
jflif{s ;fwf/0f;ef d'n cfof]hs
;ldltsf ;+of]hs ;l/tf e§/fO{sf]
:jfut / ;~rfns ;b:o d's'Gb
bfxfnsf] ;~rfngdf ;DkGg ePsf]
lyof] .
;fwf/0f;efdf cWoIf
kf]v/]nn] cWoIfsf] k|ltj]bg, k|jGw
;~rfns s]=aL=pk|]tLn] sfo{qmd,
ah]6 tyf k|ult k|ltj]bg / n]vf
;ldltsf ;+of]hs s'nrGb| clwsf/Ln]
n]vf ;ldltsf] k|ltj]bg k|:t't ug'
ePsf] lyof] . ;fwf/0f;efdf a} +sn]
klxnf] k6s k|sfzg u/]sf] :dfl/sf–
)^* / lhNnf art tyf C0f ;xsf/L
;+3 ln=sf:sLsf cWoIf eLd u'?ªn]
k|sflzt u/]sf] ;xsf/L zAbsf]if /
;fdfGo1fg k':ts k|d'v cltly s[lif
tyf ;xsf/L dGqL bQn] ljdf]rg
ug' ePsf] lyof] .
;f] cj;/df /fli6«o ;xsf/L
a} +ssf @! j6f zfvfdf cfly{s jif{
@)^&÷)^* df art / shf{tkm{
pTs[i6 sf/f]af/ ug] Ps÷Ps j6f
;+:yf u/L $@ j6f ;+3–;+:yfnfO{
k'/:s[tsf] 3f]if0ff ul/Psf] lyof] .
;fwf/0f;efsf] aGb ;qn]
cWoIfsf] k|ltj]bg, k|jGw ;~rfnssf]
gLlt, sfo{qmd / k|ult k|ltj]bg tyf
n]vf ;ldltsf] k|ltj]bg ;j{;Ddt
?kdf kfl/t u/]sf] lyof] .
o:t} aGb ;qn] /fli6«o
;xsf/L a}+ssf] ljlgoddf
;fwf/0f;ef k|ltlglwd'ns agfpg],
!= ;Ktu08sL art tyf C0f ;xsf/L ;+:yf lnld6]8, led;]guf]nf, sf7df8f} .
@= ç pksf/ art tyf C0f ;xsf/L ;+:yf lnld6]8, gofFafg]Zj/, sf7df8f} .
# afun'ª b'Uw pTkfbs ;xsf/L ;+3 lnld6]8, afun'ª gu/kflnsf–@, afun'ª .
$= cfbz{ ;~rf/ ;xsf/L ;+:yf lnld6]8, afun'ª gu/kflnsf–#, afun'ª .
%= l;4fy{ ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8, aL/]Gb|gu/–;'v] {t .
^= pHHjn ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8, aL/]Gb|gu/–^, ;'v] {t .
&= xft]dfnf] art tyf C0f ;xsf/L ;+:yf lnld6]8, l;d/f, af/f .
*= cf]d art tyf C0f ;xsf/L ;+:yf lnld6]8, O{gf/jf/L, /f}tx6 .
(= b'uf{ art tyf C0f ;xsf/L ;+:yf lnld6]8, O{6x/L–!, ;'g;/L .
!)= ls;fg sNof0f art tyf C0f ;xsf/L ;+:yf lnld6]8, PsDaf–$, ;'g;/L .
!!= n'lDagL art tyf C0f ;xsf/L ;+:yf lnld6]8, a'6jn, ?kGb]xL .
!@= ;dfa]zL art tyf C0f ;xsf/L ;+:yf lnld6]8, s/lxof, ?kGb]xL .
!#= lzIfs sNof0f art tyf C0f ;xsf/L ;+:yf lnld6]8, rl/sf]6, bf]nvf .
!$= hgd'vL art tyf C0f ;xsf/L ;+:yf lnld6]8, sfa| ]–#, bf]nvf .
!%= dsjfgk'/ lhNnf art tyf C0f ;xsf/L ;+3 lnld6]8 x]6f}8f–$, dsjfgk'/
!^= >L ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8, x]6f}8f–!, dsjfgk'/ .
!&= k|sfz art tyf C0f ;xsf/L ;+:yf lnld6]8, demf/], df]/Ë .
!*= Gff}nf] ljxfgL s[lif ;xsf/L ;+:yf lnld6]8, cd/bx, df]/Ë .
!(= Jof; art tyf C0f ;xsf/L ;+:yf lnld6]8, Jof;–@, tgx" .
@)= v8\sdfO{ cfdf art tyf C0f ;xsf/L ;+:yf lnld6]8, alGbk'/–@, tgx" .
@!= Dff5fk'R5| ;xsf/L ;+:yf lnld6]8, lrKn]9' +Ëf–$, sf:sL .
@@= lz;'jf dlxnf art tyf C0f ;xsf/L ;+:yf lnld6]8, n]vgfy–*, sf:sL .
@#= gjb'uf{ ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8, bds, emfkf .
@$= OGb| ]0fL ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8, nvgk'/–emfkf .
@%= Dfft[e"ld ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8,ljb'/–!, g'jfsf]6 .
@^= Nffog art tyf C0f ;xsf/L ;+:yf lnld6]8 ljb'/–$, g'jfsf]6 .
@&= Uff]/vf ;]leË P08 qm]l86 sf]–ck/]l6e lnld6]8 ;ftbf]af6f], nlntk'/ .
@*= >Lu0f]z ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8, ;f}un, nlntk'/ .
@(= Uff]/] ]6f] art tyf C0f ;xsf/L ;+:yf lnld6]8, rfjlxn, sf7df08f} .
#)= d'lQm art tyf C0f ;xsf/L ;+:yf lnld6]8, hf]/kf6L–@, sf7df8f} .
#!= rGb|flu/L art tyf C0f ;xsf/L ;+:yf lnld6]8, dxfb]j:yfg, yfgsf]6, sf7df8f}
s'n z]o/ k" Flh ! ca{ agfpg], shf{
;"rgfs]Gb| ;~rfng ug]{ /
;fwf/0f;ef cfly{s jif{ ;dfKt ePsf]
% dlxgfleq ;DkGg ug] u/L pNN]v
ug] k|:tfj kfl/t u/]sf] 5 .
d'n'sdf ;xsf/L If]q
Jofks aGb} uPsfn] o;nfO{ Jojl:yt
ug{sf nflu tTsfn 5'§} ;xsf/L
dGqfno u7g ug{, ;xsf/L If]qsf]
ljsf; ug{ lglZrt ;dosf nflu
s/d'Qm ug{, /fHosf ljleGg
#@= ;LtfkfO{nf ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8, l;tfkfO{nf, sf7df8f} .
##= u|fdL0f s[lif ljsf; ;xsf/L ;+:yf lnld6]8rfkfufpF–%, nlntk'/ .
#$= >LdfO{ ah|jf/fxL art tyf C0f ;xsf/L ;+:yf lnld6]8, rfkfufpF–^, nlntk'/
#%= ;u/dfyf art tyf C0f ;xsf/L ;+:yf lnld6]8,pnf{jf/L, df]/Ë .
#^= lrgf/L s[lif ;xsf/L ;+:yf lnld6]8, ky/L, df]/Ë .
#&= l;ljn art tyf C0f ;xsf/L ;+:yf lnld6]8,5q]afFem bfKrf–&, sfe|
#*= r08]Zj/L art tyf C0f ;xsf/L ;+:yf lnld6]8, ag]kf–%, s?0ffdfu{, sfe|
#(= d'gfn art tyf C0f ;xsf/L ;+:yf lnld6]8, uf]u+j', sf7df8f} .
$)= lr/fo' ax'p2]ZoLo ;xsf/L ;+:yf lnld6]8, dgd}h', sf7df8f} .
$!= ;+s6f art tyf C0f ;xsf/L ;+:yf lnld6]8, kfsf] Go"/f]8, sf7df8f} .
$@= b|Jonfe art tyf C0f ;xsf/L ;+:yf lnld6]8, dxfaf}4, sf7df8f} .
;xsfl/tf 13 df3–c;f/ @)^*÷)^(

Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
;xsf/Lsf s]xL zAb =======
cGt/f{li6«o ;xsf/L jif{ @)!@ sf ;Gbe{df
{
{
{
{
{
{
sf]ifx?af6 ;xsf/L If]qdf hfg] /sdnfO{ PsLs[t ?kdf
;a} ;xsf/L ;+3 ;+:yfx?sf] a} +ssf ?kdf :yfkgf ePsf]
/fli6«o ;xsf/L a} +s dfkm{t n}hfg aGb ;qn] ;/sf/;+u
dfu u/]sf] 5 .
gofF aGg] ;+ljwfgdf ;xsf/L If]qnfO{ :ki6 ?kdf
;Daf]wg ug{, o;} cfly{s jif{leq /fli6«o ;xsf/L a} +s P]g
Nofpg ;d]t dfu ul/Psf] 5 . /fli6«o ;xsf/L a} +sn] cfly{s
jif{ @)^&÷)^* sf] sf/f]af/af6 cfkm\gf z]o/ ;b:ox?nfO{
!) k|ltzt nfef+z ljt/0f ug] k|:tfj kfl/t u/]sf] 5 .
g]kfndf :yfkgf ePsf ;Dk"0f{ ;xsf/L
;+3÷;+:yfx¿sf] k|j4{g, ljsf; Pj+ ltgLx¿sf] ljQLo
cfjZostfnfO{ k'/f u/L tL ;+3÷;+:yfx¿nfO{ a}lsË ;]jfdf
kxF 'r lbg tyf cGo ljQLo ;]jf ;'ljwfx¿ pknAw u/fO{
;xsf/L If]qnfO{ ;xof]u k'¥ofpg] p2]Zon] @)^) cfiff9 @%
ut] btf{ ePsf] of] a} +s ;xsf/L If]qsf] Ps dfq a} +s xf] .
s'nrGb| clwsf/L
n]vf ;ldlt ;+of]hs, /fli6«o ;xsf/L a} +s ln=
xfdL h'6f} +, ;xsf/Lsf] Aofg/ af]sL af]sL
/fHo zlQm xfd|f] kl5 nfU5, ;xof]u u5' egL
o; a} +sn] cfˆgf ;b:o ;xsf/L ;+3÷;+:yfx¿ aLr
@)^! ;fpg !( ut]b]lv sf/f]jf/ ub} cfPsf] 5 . a} +snfO{
@)^& ;fpg !) ut] g]kfn /fi6« a} +saf6 ;Lldt a} +lsË sf/f]jf/
ug{ :jLs[lt k|fKt ePsf] 5 . a} +sdf g]kfn ;/sf/, /fli6«o
;xsf/L ljsf; af]8{, /fli6«o ;xsf/L ;+3 lnld6]8, s]Gb|Lo
;xsf/L ljZjJofkL, cfly{s If]qsf] nx/
;a} /fi6« h'6]sf] 5 ;xsf/Ln] agfpF5 ;a} a:tLnfO{ zx/
;xsf/L ljZjel/ Pp6} em08f km//
;xsf/Lsf ;ft l;4fGtn] ufO8 u5{ ;+;f/
;xsf/L ;+3x¿, laleGg lhNnf ;xsf/L ;+3x¿, laifout
lhNnf ;xsf/L ;+3x¿, ljleGg k|s[ltsf k|f/lDes ;xsf/L
;xsf/Lsf] hgtf;Fu l;w} ;/f]sf/
cfly{s qmflGt ;DkGg ug{ ;xsf/Ls} ljZjf; u/
;+:yfx¿;d]t xfn ^^ lhNnfsf # xhf/ ^ ;o %% ;+3–
;+:yfx? z]o/ ;b:o /x]sf 5g\ . g]kfn ;/sf/sf] ! s/f]8
;lxt a} +ssf] z]o/ /sd @! s/f]8 !) nfv, lgIf]k ! ca{ *%
s/f]8 /x]sf] a} +ssf k|jGw ;~rfns s]=aL= pk| ]tLn] hfgsf/L
lbg'eof] . ;xsf/L a} +ssf] s]Gb|Lo sfof{no ;lxt ;a} zfvfdf
u/L xfn *& hgf sd{rf/L sfo{/t /x]sf] a} +ssf k|aGws
gj/fh pkfWofon] atfpg'eof] .
a} +ssf xfn;Dd df]/ªsf] la/f6gu/ / pnf{af/L,
afun'ª, ?kGb]xLsf] a'6jn, sf:sLsf] kf]v/f, nlntk'/sf]
rfkfufpF / nugv]n, tgx' Fsf] bdf}nL, emfkfsf] ljtf{df]8 /
bds, dsjfgk'/sf] x6f}8f, g'jfsf]6sf] lab'/, sfe| ]sf] ag]kf,
sf7df8f} +sf] Go"/f]8, uf] +uj', sn+sL, afg]Zj/ / rfjlxn, ;'v] {t,
;'g;/Lsf] O6x/L, :ofª\hfsf] jflnª, bfªsf] 3f]/fxL, bf]nvfsf]
rl/sf]6 / af/fsf] l;d/f tyf ;'g;/Lsf] w/fgdf u/L @%
j6f zfvf sfof{nox¿ :yfkgf eO;s]sf 5g\ . eQmk'/df
klg zfvf ;~rfngsf] ;Dk"0f{ k|lqmof k'/f eO{ ;Dks{ sfof{no
;~rfng eO;s]sf] 5 eg] df3 @! ut] b}n]vdf @^ cf}
zfvf pb\3f6g x'b}5 .
u|fdL0f If]qdf ;d]t sf/f]jf/sf] kx' Fr k'Ug] u/L
zfvf lj:tf/ ub} n}hfg] a} +ssf] gLlt cg'?k xfn b'u{d
lhNnfx¿df klg yk zfvf sfof{no :yfkgfsf lgldQ
g]kfn /fi6« a} +saf6 :jLs[lt lngsf nflu k|lqmof cufl8
a9fOPsf] 5 . ;b:otf g/x]sf afFsL ( lhNnfdf o;} jif{
;b:otf lj:tf/ ug] of]hgf a} +ssf] /x]sf] 5 .
;xsf/Lsf] em08f /fd|f] OGb| ]0fLsf] ;ft} /ª\u
;a} /ª\sf] cy{ v'N5, xfdL ;a}nfO{ hfGg'kg] x'G5
!_ /ftf] – ;d[l4sf] k|tLs
@_ ;'Gtnf – k|ultsf] k|tLs
#_ kx]+nf] – Gofosf] k|tLs
$_ xl/of] – zflGtsf] k|tLs
%_ cfsf;] lgnf] – clx+;fsf] k|tLs
^_ lgnf] z'4 – k|]dsf] k|tLs
&_ a}hgL – ;Tosf] k|tLs
æljZjJofkL zflGtsf] dfu{ ;xsf/L cfGbf]ngsf] cfjZostf,
cfly{s If]q wldnf]kgnfO{ z'4 agfpF5 ;xsf/L cleofgn]
g} k"0f{ ?kdf ;kmntfÆ ;g @)!@ cGt/f{li6«o ;xsf/L jif{
xfdL ;a}sf] dxfg pT;j, ljZjJofkL pT;fx
;xsf/L cfGbf]ng ljZje/sf] ;kmntfsf] gd'gfsf] k|jfx
;xsf/L jif{ ;kmn agfpg] xfdL ;a}sf] st{Jo
ho ;xsf/L jif{ ;g @)!@, lj==;=@)^*.!).!#
;xsf/Lsf ;ft l;4fGt M
!= :j]lR5s tyf v'Nnf ;b:otf
@= ;b:ox?åf/f k|hftflGqs, lgoGq0f
#= ;b:osf] cfly{s ;xeflutf
$= :jfoQtf / :jtGqtf
%= lzIff tflnd / ;"rgf
^= ;xsf/L ;+:yfx?sfaLr ;xof]u
&= ;d'bfok|lt rf;f]
;xsfl/tf 14 df3–c;f/ @)^*÷)^(

Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD.
/fli6«o ;xsf/L a} +s lnld6]8sf] ;fwf/0f;efsf emnsx?
/fli6«o ;xsf/L a} +s lnld6]8sf] kf“rf} + jflif{s ;fwf/0f;efaf6
lgjf{lrt ;~rfns tyf n]vf ;ldltsf kbflwsf/L tyf ;b:ox?
emfkfdf ;DkGg /fli6«o ;xsf/L a} +s lnld6]8sf] 5}7f} + jflif{s ;fwf/0f;efsf] pb\3f6g ;df/f]x
;xsfl/tf /fli6«o ;xsf/L a} +s lnld6]8sf] sfe| ]df ;DkGg ;ftf} 15 + jflif{s ;fwf/0f;efdf af]Nb} ;efd'v df3–c;f/ ;'jf;rGb| @)^*÷)^( g]Djfª

Nationa
/fli6«o ;xsf/L a} +s lnld6]8
CO-OPERATIVE BANK LTD. /fli6«o ;xsf/L a}s ln= sf] cf7f}+ jflif{s ;fwf/0f;efsf] emns
/fli6«o ;xsf/L a}s ln= sf] cf7f}+ jflif{s ;fwf/0f;efsf] emns
/fli6«o ;xsf/L a} +s ln= sf] cf7f} + jflif{s ;fwf/0f;efsf] cj;/df eQmk'/df lgsflnPsf] k|eftkm]/L
cf7f} + jflif{s ;fwf/0f;efsf] aGbzqdf a} +s ;~rfns / n]vf ;ldltsf kbflwsf/L tyf ;b:ox?
cf7f} + jflif{s ;fwf/0f;efsf] aGbzqsf ;xefuL k|ltlglwx?
gfd M
;xsfl/tf 7]ufgf M
16 df3–c;f/ @)^*÷)^(
kqfrf/ M