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qm=; dlxgf ut] lbj;x? sfo{qmd x? qm=; dlxgf ut] lbj;x? sfo{qmdx?
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Uf]N8gan lah]tf M n'sf df]l8««s Luka Modric s|f]ol;of
uf]8g a'6 lah]tf x]/L s]g Harry Kane O{ª\Nofg
o'jf v]nfl8 lah]tf M kylian Mbappe
8 Bits = 1 Byte
1024 Bytes = 1 Kilobyte
1024 Kilobytes = 1 Megabyte
1024 Megabytes = 1Giga Byte
1024 Gigabytes = 1 Terabyte
1024 Terabytes = 1 Petabyte
1024 Petabytes = 1 Exabyte
1024 Exabyte = 1Gittabyte
1024 Gittabyte = 1Yottabyte
1024 Yottabytes = 1 Brontobyte
1024 Brontobytes = 1 Geopbyte
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dxfgu/kflnsf ^ gu/kflnsf @&^
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gu/kfnLsf lalxg $ /;'jf, dgfª, d':tfª / k'la{ ?s'd
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lhNnf

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df6f] d'/L
Bank word full fom
Short Full from Short Full from
ATM Automated teller machine Os Operating system
ASBA Application supported by block amount Ups UNINTERRUPTIBLE POWER SUPPLY
CA Charted Accountant Ram Random access memory
CAR Capital adequacy ratio Rom Read only memory
FPO Further Public offerings Led Liquid Emmitting deiod
CBS Core Banking salutation NTFS New technology file system
CIB Credit Information Bureau Fat File allotting
CMP Common minimum program Mmc Multimedia card
CRR Cash Reserve ratio Cd Compact disk
HDI Human development index Dvd Digital versatile disk
IPO Initial public offering Net Network address translation
KYC Know Your Costumer HTTPS Hyper test transfer protocol service
LLP limited liability partnership Smps Switch mode power supply

MFI Micro finance institution LCR Liquidity Coverage Ratio

NVA Net Asset value Pin Personal Identification Number.
NPA Non-Performing assets PPP Public Private Partnership
PAN Permanent account number AGM Annual General Meeting
PIC Per Capita Income CCL Cash Credit limit
SLR Statutory Liquidity ratio NPL Non performing Loan
TDS Tax deduction at source ROe Return on equity
VAT Value – added tax ROI Return On Investment
PDF Portable Document Format
SIM Subscriber Identity model
Wi-fi Wireless fidelity
APK Android Application package
CDR Credit Deposit ratio

/fi6«a}s 4/f ;fa{hgLs k|lta]bg cg';f/ dfga las; ;'rfsfª\sdf klxnf] :yfg k|b]z g+ #
sdhf]/ @ g+ / laB't pQkfbgsf lx;fjn] $ g+ k|b]z cu| :yfg df 5 .
k|lt AoQmL cfodf cu|:yfg df # g+ k|b]z sd k|lt AoQmL cfodf & g= k|b]z

dhb'/sf] Go"gtd kl/>dLs !#$%) tf]s]sf] 5 .

cfly{s aif{ @)&%.)&^ sf] aflif{s ah]6 !# va{ !% cj{ !& nfv

cfly{s jif{ @)&$ df cfly{s j[l4b/ &=$ k|ltzt /x]sf]df

cfly{s jif{ @)&$÷&% df To:tf] j[l4b/ %=( k|ltzt /xg] cg'dfg 5 .
s[lif If]qsf] j[l4b/ @=* k|ltzt /Xof]
pBf]u If]qsf] j[l4b/ *=* k|ltzt /
;]jf If]qsf] j[l4b/ ^=^ k|ltzt
g]kfnL cy{tGqsf] cfsf/ ?= #) va{ & ca{ k'u]sf] 5
o:tf] cg'kft cfly{s jif{ @)&$÷&% df !%=) k|ltzt k'Ug] cg'dfg 5 .
cfly{s jif{ @)&$÷&% df #^=& k|ltztn] C0ffTds /xg]cg'dfg 5
cfly{s jif{ @)&$ df $=% k|ltzt /x]sf] cf};t pkef]Qmf d'b|f:kmLlt b/ cfly{s jif{
@)&$÷&% sf] P3f/ dlxgfdf $=! k|ltztdf em/]sf] 5 .
a}+sn] ljQLo If]qsf] ;'b[9Ls/0fsf] nflu a}+s tyf ljQLo ;+:yfx?n] r'Qmf k'FhL
a9fpg'kg]{ Joj:yf u/]sf] lyof] . of] Joj:yf cg';f/ @* j6f jfl0fHo a}+sx?dWo]
@% j6fn] tf]lsPsf] r'Qmf k'FhL ?= * ca{ k'¥ofO;s]sf 5g\ . @)&% c;f/
d;fGt;Dddf @ j6f jfl0fHo a}+sx? r'Qmf k'FhL k'¥ofpg] k|lqmofdf 5g\ eg]
Pp6f jfl0fHo a}+ssf] r'Qmf k'FhL tf]lsP adf]lhd gk'Ug] b]lvG5 .
afl0fHo a}+s ln= sf] ;+Vof @*, lasf; a}+ssf] ## laQ s+DkgL / n3'laQ
lalQo ;+:yf ^$ /x]sf 5g\ .
 Aofhb/ sl/8f]/sf] dflyNnf] ;Ldfsf] ?kdf :yfoL t/ntf ;'ljwf b/ &=) k|ltztaf6
^=% k|ltzt / tNnf] ;Ldfsf] ?kdf b'O{xKt] lgIf]k ;+sng b/ # k|ltztaf6 #=%
k|ltzt sfod ul/Psf] 5 .
cfly{s jif{ @)&%÷&^ b]lv jfl0fHo a}+s, ljsf; a}+s / ljQ sDkgL ;a}n] $ k|ltzt
clgjfo{ gub cg'kft sfod ug'{kg]{ Joj:yf ul/g] 5 j}wflgs t/ntf cg'kft jfl0fHo
a}+sx?sf nflu !@ k|ltztaf6 !) k|ltzt, ljsf; a}+ssf nflu ( k|ltztaf6 * k|ltzt / ljQ
sDkgLx?sf nflu * k|ltztaf6 & k|ltzt sfod ul/g]5 . = clGtd C0fbftf ;'ljwf b/sf]
?kdf /x]sf] a}+sb/nfO{ & k|ltztaf6 ^=% k|ltztdf emfl/Psf] 5 . df}lb|s gLlt
@)&%÷&^ 11 61= o; a}+sn] tf]s]sf ;fwf/0f, ljz]if tyf lgof{t nufotsf k'g/shf{
b/x?nfO{ oyfjt /flvPsf] 5 . o;k|sf/ ;fwf/0f k'g/shf{df $ k|ltzt / ljz]if tyf lgof{t
k'g/shf{df ! k|ltztsf] b/nfO{ lg/Gt/tf lbOPsf] 5
afl0fHo a}+sn] @)&$ r}t @) ut] jfl0fHo a}+sx?nfO{ cfˆgf] k|fylds k'FhLsf]
@% k|ltzt;Dd kl/jTo{ d'b|fdf afXo C0f kl/rfng ug{ kfpg] Joj:yf u/]sf] lyof] .
o;sf] bfo/f yk lj:tf/ ub}{ a}+s tyf ljQLo ;+:yfx?n] kl/jTo{ ljb]zL d'b|fsf
cltl/Qm ef/tLo d'b|fdf ;d]t cfˆgf] k|fylds k'FhLsf] @% k|ltzt;Dd C0f lng
kfpg] Joj:yf ul/g]5 .
n3'ljQ ljQLo ;+:yfx?nfO{ ;fwg kl/rfng / ;fwgsf] nfut Joj:yfkgdf ;xof]u k'uf];\
eGg] p2]Zon] o:tf ;+:yfx?n] ;d]t cfˆgf] k|fylds k'FhLsf] @% k|ltzt;Dd
ljb]zL d'b|fdf C0f lng kfpg] Joj:yf ul/g]5 .
a}+s tyf ljQLo ;+:yfx?af6 k|bfg x'Fb} cfPsf] cf]e/8«fˆ6 nufotsf l/elNaª
k|s[ltsf JolQmut shf{ ;'ljwfsf] ;Ldf ?= &% nfvaf6 ?= %) nfv sfod ul/g]5 .
;fy}, a}+s tyf ljQLo ;+:yfx?n]k|bfg ug]{ JolQmut cf]e/8«fˆ6 / o:t} k|s[ltsf
cGo shf{nfO{ lgoGq0f ug{ yk cfjZos gLltut Joj:yf ul/g]5 . = jfl0fHo
a}+sx?n] cfˆgf] s'n shf{sf] Go"gtd
s[lif If]qdf Go"gtd !) k|ltzt / phf{ tyf ko{6g If]qdf Go"gtd !%k|ltzt shf{ k|jfx
ug'{kg]{ Joj:yf ul/g]5 . ljsf; a}+s / ljQ sDkgLx?n] ;d]t k|fyldstf k|fKt If]qdf
cfˆgf] s'n shf{sf] Go"gtd qmdzM !% k|ltzt / !) k|ltzt shf{ k|jfx ug'{kg]{
Joj:yf oyfjt sfod ul/Psf] 5 . jfl0fHo a}+sx?nfO{ ;a} k|b]zx?df k|fyldstf k|fKt
If]qdf shf{ k|jfx ug{ k|f]T;flxt ul/g]5 . 69= a}+s tyf ljQLo ;+:yfx?nfO{ ;fgf
tyf demf}nf pBf]udf shf{ k|jfx ug{ k|f]T;flxt ul/g]5 .
k'g/shf{ sf]ifsf] ;Ldf ?= #% ca{ k'¥ofOg]5 . 71= gjLs/0fLo phf{af6 rNg]
;fj{hlgs ;jf/L ;fwgsf nflu lbOg] shf{nfO{ ;d]t k|fyldstf k|fKt shf{df u0fgf ug]{
Joj:yf ldnfOg]5 . 72= jfl0fHo a}+s, ljsf; a}+s / ljQ sDkgLx?n] cfˆgf] s'n
shf{ nufgLsf] ljkGg ju{df nufgL ug'{kg]{ Joj:yfnfO{ kl/dfh{g u/L tLg} ju{sf
;+:yfx?sf nflu o:tf] shf{ nufgLsf] Go"gtd ;Ldf % k|ltzt tf]lsPsf] 5 . df}lb|s
gLlt @)&%÷&^ = z}lIfs k|df0fkqsf] lwtf]df k|bfg ul/g] shf{, cfly{s ?kdf
ljkGg, ;LdfGtLs[t ;d'bfo tyf nlIft ju{sf ljBfyL{x?nfO{ pRr / k|fljlws tyf
Jofj;flos lzIff cWoogsf] nflu pknAw u/fOg] shf{ / blnt ;d'bfonfO{ Joj;fo
ug{ ;fd"lxs hdfgLdf pknAw u/fOg] shf{nfO{ ljkGg ju{ shf{df u0fgf ug]{
Joj:yf ldnfOg] 5 . g]kfn ;/sf/n] oL shf{x?df % k|ltzt Aofh cg'bfg lbg] Joj:yf
u/]sf] 5 . dlxnfx?af6 ;+rfng x'g] kl/of]hgfsf nflu ?= !% nfv;Ddsf] ;fd"lxs
hdfgLdf lbOg] shf{nfO{ ljkGg ju{ shf{df u0fgf ug]{ Joj:yf ldnfOg] 5 .
dlxnf pBdzLntf ljsf;sf nflu g]kfn ;/sf/n] o:tf] shf{df ^ k|ltzt Aofh cg'bfg lbg]
Joj:yf u/]sf] 5 .
ljQLo If]q ljsf; /0fgLltdf ePsf] Joj:yfnfO{ Wofgdf /fvL jfl0fHo a}+sx?n]
@)&^ c;f/;Dd lgIf]k tyf shf{sf] Aofhb/sf] cGt/ $=% k|ltzt sfod ug'{ kg]{
Joj:yf ul/g]5 . Jofhb/ cGt/ qmdzM 36fpFb} nlug]5 .
= k|fs[lts JolQmsf gfddf art tyf d'2tL vftfdf /x]sf] ?= @ nfv;Ddsf] lgIf]k
;'/If0f u/fpg' kg]{ ljBdfg Joj:yf /x]sf]
a}+s tyf ljQLo ;+:yfx?n] z]o/sf] lwtf]df k|jfx ug]{ dflh{g k|s[ltsf] shf{
k|fylds k'FhLsf] ;fljssf] $) k|ltzt;Ddaf6 36fO{ @% k|ltzt;Dd dfq k|jfx ug{
kfpg] Joj:yf ul/g]5
jfl0fHo a}+sx?n] clgjfo{ ?kdf ;"rgf k|ljlw k|0ffnLsf] n]vfk/LIf0f ug'{ kg]{
Joj:yf ul/g]5
df}lb|s gLlt @)&%÷&^ gk7fPdf ;"rgf gk7fPsf] shf{df yk @ k|ltzt ljGb'n]
shf{ gf]S;fgL Joj:yf sfod ug'{kg]{ Joj:yf ul/g]5 .=
ul/aL lgjf/0f sf]if, u|fdL0f :jfanDjg sf]if tyf o'jf :j/f]huf/ sf]ifsf u|fxsaLr shf{
tyf ;'ljwf pkof]udf b]lvPsf] bf]xf]/f]kgf x6fpg cfjZos Joj:yf ldnfOg] 5 .
lagf lwtf] ;fd'lxs hdfgLdf k|bfg ul/g] n3'shf{ Ps C0fLn] PseGbf a9L
n3'ljQ ljQLo ;+:yfaf6 lnFbf Psn shf{ ;Ldf gf£g gkfpg] Joj:yf ldnfOg]5 .
= n3'ljQ ljQLo ;+:yfx?sf] Ohfhtsf nflu cfj]bg lng] sfo{ :yug ;DaGwL ljBdfg
Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 .
 n3'ljQ ljQLo ;+:yf ;f]xL ju{sf] csf]{ ;+:yf;Fu ufEg÷ufleg jf k|flKtsf nflu
k|f]T;fxg ug]{ u/L cfjZos gLlt th'{df ul/g]5 .
ufpFkflnsfl:yt n3'ljQ ljQLo ;+:yfsf sfof{nox?n] :jLsf/of]Uo lwtf] lnO{
;d"xdf cfa4 ePsf tyf gePsf JolQmx?nfO{ n3'pBd ;~rfng ug{ ?= bz nfv;Dd
shf{ k|jfx ug{ ;Sg] Joj:yf ul/g]5 .
;xfos sDkgLsf] ?kdf /xg] n3'ljQ ljQLo ;+:yfsf] ;DaGwdf d'Vo tyf ;xfos
sDkgLaLr x'g] sf/f]af/nfO{ ;DalGwt kIfaLr x'g] sf/f]af/ zLif{s cGt{ut v'nfpg
kg]{ gLltut Joj:yf ul/g]5 .
= n3'ljQ ljQLo ;+:yfx?n] cfˆgf] sf]ifsf] nfutdf tf]lsPsf] k|zf;lgs vr{sf cltl/Qm
a9Ldf ^ k|ltzt ljGb';Dd yk u/L shf{sf] Aofhb/ sfod ug{ ;Sg] Joj:yf ul/g]5 .

cfufdL cfly{s aif{sf] df}lb|s lgltdf n3'laQsf nfuL ;d]l6Psf laifo a:t' x?
!_ shf{ ;'rgf s]Gb|df cfa4 u/fO{g] M
@_ bf]x]/f] kgf x6fpg]
#_Psn shf{ l;dfdf s8fO{
$_ gofF n3'laQsf nfuL cfa]bg lbg gkfOg]
%_ dh{/sf nfuL af6f] v'Nnf
^_ u}/ ;bZonfO{ klg nufgL ug{ ;lsg]
&_ Aofhb/sf] Sofk x6fOof]

 sf]ifsf] kl/rfng tyf cfly{s ;xof]u ;DaGwL Aoj:yf M

qm=; 36gfsf] laa/0f

!  d'6'sf] ck|]zg u/fpg' kg]{ cj:yfdf %)))) tflnd]
 d[uf}nf km]n eO{ pkrf/ u/fpg' kg]{ cj:yfdf calw kf/ u/]sf
 Kof/fnfO{l;; eO{ pkrf/ u/fpg' kg]{ cj:yfdf . sd{rf/L ,
 SofG;/ /f]u nfuL pkrf/ u/fpg' kg]{ cj:yfdf . ;xof]uL ;bZo
 x[bo3ft tyf dl:tis 3ft eO{ pkrf/ u/fpg' kg]{ cj:yfdf
 a|]g 6\o'd/ eO{ ck|]zg u/fpg' kg]{ cj:yfdf
 b'3{6gfdf k/L sd{rf/L jf ;xof]uL ;Zbosf] pkrf/ u/fpg jf t];f]
AofQmLsf] d[To" ePdf ladfaf6 k|fKt /sdaf6 ;d]t ck'u ePdf

@  xft v'§f efFlRrP/ ck|]zg u/fpg' kg]{ cj:yfdf $)))) tflnd]

 cfFvf, cg'xf/ tyf cGo c+udf rf]6 nfuL d]h/ ck|]zg u/fpg' kg]{ calw kf/ u/]sf
cj:yfdf sd{rf/L ,
 cfunfuLdf kl/ c+u e+u eO{ jf nfdf] ;do;Dd c:ktfndf /fvL pkrf/ ;xof]uL ;bZo
u/fpg' kg]{ cj:yfdf
 dfly pNn]lvt cfwf/ k'/f u/]sf] sd{rf/L ;xof]uL ;b:o b'3{6gfdf @)))) kl/jf/
 kbf{ t]>f] AolQm ;d]t ulDe/ tflnd] calw
 dfly pNn]lvt cfwf/ k'/f u/]sf] k'?if sd{rf/Lsf] xsdf cfdf, a'jf, kf/ u/]sf
>LdtL, 5f]/f, 5f]/L, dlxnf sd{rf/L tyf ;xof]uL ;b:osf] xsdf ;f;', sd{rf/L ,
;;'/f, >Ldfg, 5f]/f, 5f]/L dfq nfO{ dfyL pNn]lvt cj:yfdf ;xof]uL ;bZo
kl/jf/
-ª_ o; a}+sdf slDtdf !^ jif{ ;]jf cjlw k'/f u/L :j]lR5s cjsfz kfPsf
sd{rf/Lx?nfO{ cjsfz kZrft klg dflysf cj:yfx?df :jo+ sd{rf/LnfO{ pkrf/ u/fpg' kg]{
cj:yfdf ?=@%))).– ;Dd pkrf/ vr{ jfkt gub ;xof]u k|bfg ul/g]5 .

sd{rf/L ;+rosf]if tyf pkbfgsf]if

-s_ #–& jif{ ;DDf ;]jf u/]sf] sd{rf/Ln] cfkm'n] sfd u/]sf] k|To]s aif{sf] lgldQ cflv/L cfwf
dlxgfsf] tnj .
-v_ I &–!! jif{ ;DDf ;]jf u/]sf] sd{rf/Ln] cfkm'n] sfd u/]sf] k|To]s aif{sf] lgldQ cflv/L Ps dlxgfsf]
tnj .
-u_ I !!–!^ jif{ ;DDf ;]jf u/]sf] sd{rf/Ln] cfkm'n] sfd u/]sf] k|To]s aif{sf] lgldQ cflv/L cfwf
dlxgfsf] tnj .
-3_ !^ jif{ / ;f] eGbf dfly jif{ ;DDf ;]jf u/]sf] sd{rf/Ln] cfkm'n] sfd u/]sf] k|To]s aif{sf] lgldQ
cflv/L b'O{ dlxgfsf] tnj

Expensess
Income
1.Writeback from provision for loss- Investment 1.Charity
2.Writeback from Provsion for loss – other assets 2.Loan Security Premium
3.Writebackfrom provision for loss banking assets 3.Commission & Discount
4.Profit(Loss)on sale of Assets 4.Income Tax Provision -previous Year
5.Deffered Tax Expenses/ Income
LIABILITIES Assets
1.Share Capital 1.Cheque & Cash in Transit
1.Capital Redemption Reserve 2.Tax Advance
3.Investment Adjustment Fund 3.Deffired Tax Assets
4.Retained Earning 4.Prepaid Expenses
5.Capital Adjustment Fund 5.Amorlization Expenses
6.Call In Advance 6.Software
7.Share Premium
6.Deferred Tax Reserve
8.Proposed Bonus Share Provision
9.Assets Revaluation Reserve
10.Interest Suspense
11.Staff Leave Provision
12.This Year Profit & Loss
13.Provision For Investment
14.Provision For Non Bankin
15.Provision For Other Assets
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ratio analysis formulas

Return On assets = proft & loss*100
Average assets

Return on equity = profit &loss *100

average Equity

Operating self sufficiency = financial income*100

Total Expensess

Financial self sufficiency =financial income*100

Total expenses + imputed cost

Yield on Portfolio =Interest Income+Service Charge*100

Average Loan Portfolio

Yield on Assets =Interest Income+Service Charge)*100

Average Assets

Financial Expenses Ratio=Financial Expenses*100

Average Assets

Loan Loss Provision Ratio= Loan Loss Provision*100

Average Assets

Operating Expenses Ratio Total Expenses*100

Average Assets

Other Administrative Expenses Ratio=Other Administrative Expenses*100

 Average Assets
3

Repayment Rate = Recovery *100

Recovery+Overdue

Portfolio in Arrears Ratio= Overdue*100

Loan Portfolio

Portfolio at Risk Ratio = Portfolio at Risk * 100

Loan Portfolio
Loan Loss Reserve Ratio =Loan Loss Reserve*100
Loan Portfolio
Upto Last year total Assets - Upto last branch account
Average Assets Up to this year Toatal Assets - upto this year branch Acount
2

Upto Last Year Capital Fund+ Upto This Year capital Fund+
Average Equity= This year Profit & loss - Dividend Equalization Fund
2
Average Loan Portfolio =Loan portfolio up to last year + loan portfolio up to this year
2
(cost of fund+ max.3% prasaasanik kharcha+ max. 6% profit margin)

Cost per loan made=(operating expenses/disbursement no.)

EPS=Earning available for equity shareholder/total no. of shares

Loan portfolio per field staff=(total loan portfolio)/Total staff

Chhimek Laghubitta Bikas Bank Limited

Baneshwor,Kathmandu
For The Month Of Jestha, Ashadh ,2075
S Ashadh
.N. Particular Jestha Results Results Required
3.75
1 Return On Assets 3.73 >0.50%
35.94
2 Return On Equity 35.97 >0.50%
 17.30
3 Yield On Portfolio 16.92 >014%
133.79

Financial Self Sufficiency

4
150.84
5 Operational Self-Sufficiency 144.04 >100%
123.37
6 Credit Deposit Ratio 131.16 <250%
0.11
7 Non Performing Assers 0.11 <5%
99.98
8 Repayment Rate 99.98 >95%
2.05
9 CRR 2.05 >2%
17.27
10 Liquidity Ratio 12.45 >2.50%

ut cf=j=sf] c=Nof= l:y/ ;DktLsf] xsdf

Fixed Assets Amount X Depreciation Rate X 1 = Actual Depreciation Expenses
o; cf=j=sf] >Fj)fb]lv kf}if ;Dd lsg]sf] l:y/ ;DktLsf] xsdf
Fixed Assets Amount X Depreciation Rate X 1 = Actual Depreciation Expenses
o; cf=j=sf] df# b]lv r}q ;Dd lsg]sf] l:y/ ;DktL
Fixed Assets Amount X Depreciation Rate X 2/3 = Actual Depreciation Expenses
o; cf=j=sf] j};fv b]lv cfiff( ;Dd lsg]sf] l:y/ ;DktLsf] xsdf
Fixed Assets Amount X Depreciation Rate X 1/3 = Actual Depreciation Expenses

s_ c;n shf{ (Good Loan) - efvf ggf3]sf] tyf # dlxgf ;Dd efvf gf3]sf] . !
k|lt;t
v_ sd;n shf{ (Sub-standard Loan) -$ b]lv ^ dlxgf ;Dd efvf gf3]sf] . @%
k|lt;t
u_ z+sf:k|b shf{ (Doubtful Loan) -& b]lv !@ dlxgf ;Dd efvf gf3]sf] . %)
k|lt;t
3_ v/fj shf{(Loss Loan) - !@ dlxgf eGbf jl9 efvf gf3]sf] . !)) k|lt;t

!n3'pBdL ;bZo 5gf}6sf cfwf/ x?

!=;bZo ag]sf] sDtLdf # aif{ k'u]]sf] , t/ gofF zfvfsf] xsdf If]qLo k|aGwssf]
l:js[t lnPkl5 ug{ ;lsg] \
@= cGo n3'laQ ;+:yfdf g/x]sf] , olb ePdf @, # leq 5f8\g] k|lta4tf ;lxtsf]
kq kz u/]sf]
#=tf]lsPsf] dWo s'g} Aofa;fo ug]{ OR5's ;f]lx k|s{ltsf xfn ub}{{ cfPsf]
Aofa;fonfO{ cem Aofal:yt / k|efasf/L t/Lsfn] ug{ OR5's ePsf] ;bZo
$=;bZon] ckm'n] ug{ rfx]sf] Aofj;fosf] Aofj;foLs kl/of]hgf k]z u/sf]
%=;bZon] Aofa;fo ug{ :yfndf l5d]s n3'laQ lalQo ;+:yf sf] lalQo / l5d]s
ahf/ AofA:yfkg sDkgLsf] k|lalws ;xof]udf ;+:rfnLt Aofa;fo elg ;fO{g af]8{
/fVg' kg]{ 5 .
^ pTs[i6 n3'pBdL Aofa;foL x?sf] 5gf}6 zfvfsf Aofa;foL ;bZox? dWo af6
cg'udg k|d'vn] ub{5
&=pBdlzn ;b:osfnfuL nfuL OR5's ;bZon] tf]lsPsf] kmf/d eg'{sf ;fy} cfkm'
pQs[i6 n3'BdL agL pGgtL ug]{ k|0fsf ;fy} cfkm'n] ug]{ Aofa;fo lardf
5f]8\g] 5}g olb To;f] u/] Tof] cjlw ;Dd a}+ssf] tkm{af6 ePsf] ;Dk'0f vr{
a]xf]g]{ 5' elg s'lnotgfdf ;d]t ug' kg]{ 5 .
*= xfn ;Grflnt u/L /fv]sf] Aofa;fo cem Aofal:yt tl/sfn] ug]{ a[l4 ul/
Aofa;fosf] dfkb08 tn pNn]vLt k'/fpg' kg]{ 5
ufO{ e};L M % j6f afv|f kfng @) j6f a+u'/kfng !) j6f df5f kfng !)s¶f jf &
/f]kgL . s]/f v]tL / t/sf/L v]tL % s¶f jf #=% /f]kgL

n3'pBdL Aofj;foL sfhf{ sf] nfuL cfjZos sfuht

of] shf{sf]] nfuL 5'§} kmfO{n v8f u/L pQm kmfO{ndf lgDg lnlvt sfuht
;dfa]z ug{ kg]{ 5 .
!= Aofj;fosf] kmf]6f] Aofj;fo ug'{ cl3 / Aofa;fo kl5sf] ;d]t
@ Aofa:ffosf] Aofa;foLs kl/of]hg
# C0fLsf] gfu/Lstfsf] k|ltlnkL
$ shf{ cj]bg kmf/d
% Aof;fosf] bftf{ k|df0f k|qsf] gSsn k|lt -Aof;fo btf{ ePsf] eP_ .
^= df5f kfngf , t/sf/L v]tL , / s]/f v]tL ug]{ ePdf pQm hUuf sf] hUufwgL
k'hf{sf] kmf]6f]skL
& Aof;fo ;DalGwt s'g} ;Def}tf ePdf ;f] sf] gSsn k|tL

Income statement herne tarika

Account ma jane
Income statement ma click garni
Defualt ma click garni
Date range rakne
Go garne

M016 Arrears report herne tarika

1 report ma jane
2 Mis report ma click garni
3 M016 Arrears report cleck garne
4 staff ma all rakne
5 run report garne

Quaterly statement print

Report ma jane
Mis report ma jane
General report ma click garne
Quaterly statement ma click grin
Kahile samma ko statement print dine Date range rakne
Pdf ma chose garne
Run report garne
Print ma gayera print garne
Day End
 Utilities Menu मा Click गर्ने ।
 Day Start/End Menu मा Click गर्ने ।
 Check End Button मा Click गर्ने
 Start day End Button मा Click गर्ने
 Day End Report मादे खाएकोसबै Balance Check गर्ने
 Cash को Dino हाल्र्ने
 Day End Now Button मा Click गर्ने

Voucher katne tarika

Click the Account menu
Then click the voucher menu
Chick the + bottom for voucher Create
Chose the voucher type
Then dr side and cr side Chose the Acount head
Fill the narration And Cheque nom

Prepaid the Voucher form ibt

Chick th Account
Chick the IBT (central Loan)
 Chose the and IBT outgoing

r]s lk|G6 ug]{ t/Lsf

Chose the Utilities
Chick the cheque book
+ bottom click
Acount Nom hale
No.of leaves
Chick the Go bottom
Click Print menu
Preview
Remittance collection and payment
Softer manu ko ad – Ma click garne
Internal remit ma click garni

Change The password

1st go to settings
Change Password
Current password
New password
Conform password
Submit

Loan posting garne tarika

Type the mem
Loan demand
Loan analysis
Loan disburse

Voucher Sapoting
V008 System Receipt Voucher compile
D094 Samayojan recovery Report
All Cash sheet
Cash In vault sapoting
D081 unit meeting cash recovery
Interest Charge Report
V013-system jornal voucher compile credit
D023-loan book statement
D073-teller to teller statement
D089 dabit transfer sheet statement saving
D080- Chose Account Summry
D096- Interest Provision Report

V012- system janaral voucher comp.debit

D020 collection sheet statement
D088- credit transfer sheet statrment saving
D091 Cash sheet statement loan
D092-Cash Sheet statement insur and income
cg'zfl;t ;bZo enfO{ sf]if sfO{ 5gf}6sf cfwf/x? M
-s_ OsfO{ # jif{ k'/f ePsf] .
-v_ slDtdf klg !% hgfsf] O{sfO{ .
-u_ !))Ü clu|d c;'nL .
-clu|d c;'nL eGgfn] ;b:on] dfl;s ?kdf ltg'{kg]{ /sd lgoldt dfl;s a}7s
eGbf slDtdf Ps lbg cufl8 sfof{nodf a'emfpg' kg]{ Joj:yfnfO{ ;Demg'
kb{5 ._
3_ !))Ü Cl0f ;b:o x'g'kg]{ h; cGtu{t slDtdf ?=#))) eGbf al9 shf{ lnPsf]
x'g'kg]{5
. t/ @( hgfsf] O{sfO{df eg] ! hgf;DDf C0fL gePklg cGo cfwf/ k'/f
u/]df dfly pNNf]v u/] adf]lhdsf] enfO{sf]if lbO{g]5 .
-!))Ü Cl0f ;b:o eGgfn] klxn] b]lv g} C0f lnO{ enfO{ sf]if kfpg] dxLgfdf
r'Qmf eO{ k'gM C0f dfu u/]sf] cj:yfdf zt k|ltzt C0fL dflgg]5 . obL
klxn] C0f glnPsf] ;b:on] enfO{ sf]if kfpg] dlxgfdf C0f dfu u/]sf] cj:yfdf
eg] zt k|ltzt C0fL ;+Vof dflgg] 5}g ._
-ª_ dfl;s OsfO{ ldl6Ëdf OsfO{ d'NofÍg *) gDj/ eGbf dfly cfPsf] .
-r_ OsfO{ 3/sf] Joj:yf ePsf] .
-5_ C0f ;b'kof]lutf u/]sf] .
-h_ O{sfO{ ldl6Ëdf Special Record df PS u/]/ # -@( hgf ePdf !
hgf yk_ eGbf jl9 /]s8{ gePsf] t/ Special Record df E nfu]df ;f] nfO{ 5'6
lbO{g] 5 .
-em_ ;Dk'0f{ ;b:osf] :j]lR5s jrtdf Go'gtd\ ?=@)).– eGbf al9 ePsf] .
enfO{sf]ifjf6 /sd lbg] cfwf/x?M
-s_ ;b:o tyf ;b:osf] Psf3/sf] kl/jf/df lj/fld kbf{ pkrf/ vr{sf] nflu -sf]ifdf
/sd ePdf j9Ldf ?=!%)).– ;Dd / ck|];g ug'{ kg]{ cj:yfdf ?=@))).–;Dd .
-v_ ;b:o ;'Ts]/L kbf{ ;'Ts]/L vr{ -sf]ifdf /sd ePdf j9Ldf ?=!%)).– ;Dd_
-u_ ;b:ox? kl/jf/sf] jfnjRrfx?nfO{ ;/sf/L :s'ndf egf{ ug{, sflk, snd, k':ts
tyf 8]|; lsGg ;d:of k/]df . -sf]ifdf /sd ePdf cfjZostf x]/L j9Ldf ?=%)).– ;Dd_
-3_ ;b:osf] kl/jf/sf jfnjRrfx?nfO{ 6\o';g tyf sf]lrË k9\gsf] nflu . -
sf]ifdf /sd ePdf j9Ldf k|lt ljBfly{ ?=%)).– ;Dd_ .
-ª_ ;b:onfO{ s'g} lsl;dsf l;k ljsf; tyf Ifdtf clej[l4 ug]{ tflnd tyf uf]li7sf] nflu
. -sf]ifdf /sd ePdf cfjZostf cg';f/ k|lt ;b:o j9Ldf ?=%)).– ;Dd_ .
-r_ xfn j}+sn] lbb}+ cfPsf] % j6f 36gfx?sf ;fy} s's'/n] 6f]s]df, le/jf6
n8L rf]6k6s nfu]df, ?vjf6 nl8 rf]6k6s nfu]df / ;jf/L ;fwg b'3{6gfdf
kbf{ . -sf]ifdf /sd ePdf j9Ldf
?=!))).– ;Dd_
enfO{ sf]ifjf6 /sd lkmtf{ ubf{ k|fyldstfqmd cg';f/ ;b:o 5gf}6sf] cfwf/x? M
-s_ ;b:onfO{ ljiffn' ;k{, h+unL hgjf/ tyf s's'/n] 6f]s]df, le/jf6 n8]df, ?vjf6 n8]df /
;jf/L
;fwg b'3{6gf kl/ pkrf/ u/fpg' k/]df .
-v_ O{sfO{ ;b:o ;'Ts]/L -jRrfsf] hGd x'Fbf_
-u_ s'g} ;b:o lj/fdL eO{ pkrf/ u/fpg' k/]df .
-3_ ;b:osf] 3/df cfuf] nfu]df .
-ª_ ;b:osf] 3/ jfl9 klx/f]df k/]df .
-r_ ;b:osf] 3/df r6\ofª kl/ Iflt k'u]df .
-5_ ;b:osf] Psf3/sf] k/jf/nfO{ ljiffn' ;k{, h+unL hgfj/ tyf s's'/n] 6f]s]df, le/jf6
n8]df,
?vjf6 n8]df / ;jf/L ;fwg b'3{6gf kl/ pkrf/ u/fpg' k/]df .
-h_ ;b:osf] Psf3/sf] kl/jf/ lj/fdL eO{ pkrf/ u/fpg' kg]{ ePdf .M

l5d]s ljklQ sf]ifjf6 lbO{g] ;'ljwfx? lgDg cg';f/ x'g]5g\ .

!=s'g} ;b:osf] e'sDk, r6\ofË, jf9Lklx/f]], xfjfx'/Lsf sf/0f 3/ k'0f{ ?kdf Iflt
ePdf tTsfnsf nflu/fxt :j?k gub tyf lhG;L ul/ jl9df ?=%,))) ;Dd lbg ;lsg] 5 .
@=s'g} ;b:o jf p;sf] Psf3/sf] kl/jf/sf] ;b:osf] jfl9, klx/f], cfunflu, e'sDk, r6\ofË,
xfjfx'/Lsf sf/0f d[To' ePdf k'0f{ Iflt dflg tTsfnsf nflu /fxt :j?k jl9df gub ?=#,)))
;Dd lbg ;lsg] 5 . o:tf] /sd lbbfF k|lt JolQm geO{ k|lt kl/jf/ clwstd ?=#,))) lbO{g]5
.
#=s'g} ;b:osf] j:g] 3/ cfunfludf kl/ k'0f{ ?kdf Iflt ePdf tTsfnsf nflu ;xof]u :j?k gub
tyf lhG;L ul/ jl9df ?=$,))) ;Dd jf ;DjlGwt zfvfsf] ljklQ sf]ifdf jfFsL ePsf]
/sdsf] bf]Jj/df h'g sd x'G5 ;f] /sd j/fj/ lbg ;lsg] 5 .
$/fli6«o b}jL ljkQL kbf{ gub tyf lhG;L :j?k s]lGb|o sld6Ljf6 lg0f{o ul/
jl9df ?=%),)));Ddsf] ;xof]u lbg ;lsg] 5 .
cfjf; shf{ kfpg ;b:on] k'/f ug'{ kg]{ cfwf/ x?
s_ ;d'xdf cfj¢ dlxnf ;b:o eO{ Ps k6s n3'shf{{ a[t (Micro-Credit LoanCycle) k/'f
u/s]f,] -v_ as+} df cfa¢ ePsf] % aif{ k/'f eO{ Os{fOsf] dfl;s a}7sdf
C0f dfu ul/ ;Dk'0f{ ;b:ox?, ;dx' cWoIf / O{sfO k|d'v n] :jLs[tL hgfO{ dfu
kmf/fddf l;kmf/L; u/]sf] x'g' kb{5 .
-u_ ljQLo ;:+yfsf] gLlt lgodx? k/'fk'/ kfngf u/s]f / o; cl3 lnPsf] C0fsf] ;lx ;bk'of]u
ul//fvsf,] -3_ Os{fOsf] dfl;s a7}sdf C0f dfu ug{ kfpg] cfwf/x? k'/f
ePsf] xg' ' kg,]{
-ª_ ABPLSM /]s{8df jflifs{ A=1, M=1,L=2, P/S = 3 ;Dd dfq ePsf] jf cgz'f;g
shf{ kfpg ;Sg] cg'zf;g /s] 8 {sf] cfwf/x? k'/f u/]sf] x'g' kg]{ ,
-r_ Os{fOdf !% hgf jf ;f] eGbf al9 ;b:o ePsf] .

lwtf] d"NofÍg ubf{ b]xfo adf]lhdsf cfwf/ tyf k|s[of ckgfO{g]5 M

-!_ lwtf] lbg rfx]sf] ;DklQdf d'4f dfldnf, em}emu8f jf v/lvrf]nf
eP÷gePsf] olsg ug]{ / ePsf] eP lwtf] :jLsf/ u/Llng' x'Fb}g .
-@_ ;se/ d'Nof+sg ul/g] crn ;DklQ -3/÷hUuf_ ;Dd cfjt hfjt ug{ ;lsg]
df]6/]jn af6f] x'g'kb{5 .
-#_ d'Nof+sg k|ltj]bgdf O{sfO / b//]6 ;d]t v'nfO{ v'b d'No sfod
ug'{kb{5 . o;/L d'Nof+sg ubf{ ejgdf % k|ltztsf b/n] x|f; s§f ug'{kb{5 .
-$_ C0fL ;b:on] k]z u/]sf] dfl;s cfDbfgLaf6 s'n dfl;s vr{ s6fO{ aflsF
dfl;s?kdf art x'g cfpg] /sdnfO{ !)) k|ltzt dfgL To;sf]] &) k|ltzt
/sdn] o; shf{sf] dfl;s ;fjfF tyf Jofh u0fgf ubf{ hlt /sd x'g cfpF5 ;f]
sf] cfwf/df g} s'n shf{ l;df tf]lsg]5 . o;f] ubf{ C0fLsf] cfDbfgL /
vr{sf] ljj/0f cg';f/ shf{ l;df km/s km/s x'g]5 . t/ o; cfjf; shf{sf]
clwst\d l;df ?=@)),))).—;DDf dfq x'g]5 t/ l5d]sdf dfq j;]sf
;b:onfO{ ?=$))))) ;Dd nufgL x'g]5 . t/ s'g}klg ;b:osf] ;a} shf{
hf]8bf g]kfn /fi6« a}+sn] lgwf{/0f u/]sf] clwst\d l;df;Dd leq dfq x'g]5
.
-%_ C0fL ;b:on] gofF 3/÷tnf yk÷5t 9nfg ug{ dfu]df lghn] k]z
u/]sf] nfutsf] *) k|ltzt /sd a}+sn] nufgL ug{]5 eg] aflsF @) k|ltzt
/sd ;b:o :jo+n] Aof]xf]g{'kg{]5 . To;} u/L 3/ ;lxtsf] 38]/L v/Lb ug{]
qmddf eg] s'n nfutsf] ^% k|ltzt a}+sn] / afFls #% k|ltzt
;DalGwt C0fL ;b:on] Aof]xf]g{'kg{]5 .
-^_ crn ;DklQ -hUuf_ sf] :ynut lgl/If0f ul/ d'Nof+sg ubf{ k|rlnt
ahf/ b/ -o;/L ahf/ b/ lgwf{/0f ubf{ ;DjlGwt :yflgo eb| enfb\dL /
hUuf bnfnx?;Fu j'‰g / ;Nnfx lng
;lsg]5_ / ;/sf/L b/ -;/sf/L b/ dfnkf]t sfof{noaf6 pknAw x'g]5_
 a}+sn] ;do ;dodf tf]sLlbg] cg'dflgt ef/ -Weightage Average_ sf]
cfwf/df d'No sfod ug'{kb{5 .
-&_ d"NofÍg stf{n] hUufsf] jf:tljs d'No sfod ubf{ pQm crn
;DklQsf] sfod x'g cfPsf] k|rlnt ahf/ d'Nosf] &)Ü / ;/sf/L -dfnkf]tn]
tf]lslbPsf] d'No_ d'Nosf] #)Ü ul/ gofF d'No sfod ul/g]5 . pQm
d'Nojf6 !%Ü x|f; s§ful/ sfod x'g cfPsf] d'No g} To; crn ;DklQsf] jf:tljs
d'No dflgg]5 . o;/L sfod x'g cfPsf] jf:tljs d'Nosf] a9Ldf &)Ü
;Ddsf] /sd shf{ l;dfsf] clwgdf /lx nufgL ug{ ;lsg]5 .
cg'zf;g shf{sf] nfuL OsfO{ 5gf}6sf cfwf/x?
-s_sDtLdf !% hgf ;b:ox? ePsf] O{sfO{ x'g'kg]{5 . t/ kxf8L Pj+
lxdfnL e]ssf zfvfdf @ jif{ k'/f ePsf / cGo zfvfdf # jif{ k'/f
eO{;s]sf] !) hgfsf] O{sfOdf ;b:o yk ug]{
;Defjgf gePdf klg cg'zf;g shf{ pknJw u/fpg ;lsg] 5 .
-v_ljut !jif{df k|To]s dlxgf sDtLdf &% g+=cf}ift OsfO{ d'Nof+sg
NofPsf],
-u_ slxNo} s'g} ;b:osf] c;'nLdf ;d:of gcfPsf]],
-3_ a}+snfO{ ;'v b'Mvdf ;fy lb+b} cfPsf],
-ª_ sfof{nodf ;a} ;b:on] Ps lbg cl3 clu|d c;'nL Nofpg] u/]sf] /
-r_ a}+ssf] gLlt lgod k'/fk'/ kfngf u/]sf] .
@=@= cg'zf;g shf{sf] nfuL ;b:o 5gf}6sf cfwf/x? M 5gf}6df k/]sf
OsfO{sf lgDg cfwf/x? k'u]sf
;b:o cg'zf;g shf{sf nfuL u|fXo x'g]5g\ .
-s_ ;b:o ag]sf] slDtdf Ps jif{ k'/f eO{ ;fwf/0f shf{sf] klxnf] C0f
rqm k'/f u/L bf];|f] C0f lnPsf],
-v_ ABPLSM /]s8{df ljut Ps jif{sf] /]s8{df A=1, M=1,L=2, P/S = 3 ;Dd
dfq ePsf],
-u_ dfl;s ?kdf :j]lR5s jrt ub}{ cfPsf,
-3_ C0fsf] sDtLdf &%Ü ;lx ;b'kof]u u/]sf,
-ª_ a}+sn] l;sfPsf !^ l;4fGt cg';f/ sfo{ul//x]sf,
-r_ xfn cfod'ns sfd u/L/x]sf,
-5_ k|:tfljt cfod"ns Joj;fosf] sDtLdf !% k|ltzt /sd cfkm}+n] Joxf]g{ ;Sg] /
-h_cg'zf;g C0f dfu ug'{ cl3 g} :j]lR5s artdf ?=&)))) ;Ddsf] C0fsf]
Ps ls:tf a/fa/
/sd / ;f] eGbf al9 C0fdf slDtdf ?=&))) ePsf] x'g' kg]{ .
cg'zfl;t ;b:onfO{ lbO{g] l5d]s :k]zn sf8{ ;DaGwL Joj:yf
!= of] sf8{ kfpg] ;b:osf] ljj/0f ;DaGwLt zfvfsf] zfvf k|aGwsaf6
:jLs[t eP kZrft dfq hf/L ug'{kb{5 .
 @=x/]s zfvfn] of] ;'ljwf pknAw u/fPsf] ;b:osf] /]s8{ Update ul/
/fVg'kg]{5 .
:k]zn sf8{ kfpgsf]nflu ;b:on] lgDg of]Uotf k'/f u/]sf] x'g'kb{5 M:k]zn
sf8{ kfpgsf] nfuL;b:ox?n] lgDg cfwf/x? k'/f u/]sf] x'g'kg]{5 . t/ uf]N8]g
/ l;Ne/ ;b:osf] xsdf eg] tn pNn]lvt cfwf/x? dWo] a'Fbf g+= # df
pNn]v ePsf] cg'zf;g /]s8{sf] cfwf/ dfq k'/f u/]sf] v08df of] sf8{
kfpg of]Uo x'g]5g .
!= slDtdf tLg jif{ k'u]sf], ;fwf/0f, cg'zf;g / lwtf] shf{ u/L s'g} b'O{j6f shf{
rnfPsf],
@= ;fwf/0f, cg'zf;g jf n3'pßd ul/ kl5NNf]f tLg aif{ leqdf ?=$%))) jf ;f]
eGbf al9 shf{ rnfPsf] jf kl5NNff] kfFr aif{sf] cf}ift shf{ /sd sDtLdf
?=!%))) ePsf],
#= ljut tLg jif{sf] cg'zf;g /]s8{df P,S/E / A/L/M= 1 afx]s cGo s'g} /]s8{
gnfu]sf],
$=O{sfO{sf] ljut Ps jif{sf]cf}ift d"NofÍg sDtLdf *% x'g'kg]{ -zfvf /
cg'udgn] lbg] g+=afx]s
%= ;b:osf] :j]lR5s artdf slDtdf ?=#))).– x'g'kg]{,
^= slDtdf @) hgfsf] O{sfO{ ePsf] jf % jif{ k'/f u/]sf] ;b:o ePdf !%
hgfsf] O{sfO
leqsf] ;b:o x'g'kg]{,
&= k]G;g art u/]sf] x'g'kg]{ .
;xof]uL ;bZo :t/ alu{s/0f
qm=; :t/ Kfb of]Uotf
! % lalZi7 ;xof]uL÷l8lh6n dlxnf Ps txd'gLsf] kbdf ^ aif{ cg'ej;fw/0f
n]vk9
@ $ al/i7 ;xof]uL÷ l8lh6n dlxnf Ps txd'gLsf] kbdf %aif{ cg'ej;fw/0f
n]vk9
# # ;xof]uL ;bZo÷l8lh6n dlxnf Ps txd'gLsf] kbdf $aif{ cg'ej;fw/0f
n]vk9
$ @ ;xfos ;xof]uL ;bZo÷l8lh6n Ps txd'gLsf] kbdf # aif{ cg'ej;fw/0f
dlxnf n]vk9
% ! slgi6 ;xof]uL ;bZo÷l8lh6n ;fw/0f n]vk9
dlxnf
^ tflnd] ;xof]uL÷l8lh6n ;fw/0f n]vk9
ljbfsf] xsdf lgDg cg';f/ x'g]5 M
-!_ lj/fdL ljbf M k|To]s ;xof]uL ;b:o÷l8lh6n dlxnfn] sfd u/]sf] cjlwsf] x/]s
dlxgfsf] Ps lbgsf b/n] jif{df afx« lbgsf] tna;lxt lj/fdL ljbf kfpg]5 . lj/fdL
ljbf al9df !@) lbg;Dd ;+lrt ug{ kfOg]5 . o:tf] ;+lrt lj/fdL ljbfsf] /sd ;]jf lgj[Q
ePdf jf :jf:Yosf] sf/0faf6 cjsfz ePdf jf /flhgfdf lbO{ ;]jfaf6 cnu ePdf jf
d[To' ePdf lghn] vfO{kfO{ cfPsf] tnaeQfsf] lx;fan] x'g] Psd'i6 /sd
e'QmfgL kfpg]5 .
-@_ e}k/L cfpg] ljbf M ;xof]uL ;b:o÷l8lh6n dlxnfn jif{df sfd u/]sf] cjlwsf]
x/]s dlxgfsf] Ps lbgsf b/n] jif{df !@ lbg a/fa/sf] tnjL e}k/L cfpg] ljbf
kfpg]5 . of] ljbf csf]{ jif{sf] nflu ;+lrt x'g] 5}g . of] labf cfwf lbg klg lng
;lsg]5 . of] ljbf cGo labfdf ufleg] 5}g . e}k/L cfpg] labf u0fgf ubf{ o:tf]
ljbfsf] aLrdf k/]sf] ;fj{hlgs labfsf lbgnfO{ u0fgf ul/g] 5}g .
-#_ k|;'lt ljbf M ;xof]uL ;b:o÷l8lh6n dlxnfn k|;"lt x'g' eGbf cl3 jf kl5 ;]jf
cjlwdf b'O{ k6s ;a} ;'ljwf ;lxtsf] a9Ldf #) lbg k|;"lt labf lbOg]5 k|;"lt labf leq
kg{ cfpg] ;a} ;fj{hlgs labfx? k|;"lt labf leq} u0fgf ul/g]5 . o:tf] ljbf lnPsf]
;xof]uL ;b:o÷l8lh6n dlxnfn] labf lnPsf] ldltn] tLg dlxgf leqdf aRrfsf]
hGdbtf{ k|df0fkq jf c:ktfn÷gl;{ª xf]daf6 pknAw u/fOPsf] aRrfsf] hGd;DaGwL
k|df0fkq sfof{nodf k]z ug"{ kg]{5 .
-$_lsl/of ljbf M s'g} ;xof]uL ;b:o÷l8lh6n dlxnfsf] cfdf, a'af, ;f;',
;;'/f,>Ldfg\,>LdtL / 5f]/f 5f]/L tyf ljjfxLt dlxnf sd{rf/Lsf] xsdf ;f;', ;;'/fsf] d[To' eO{
cfkm} lsl/of a:g' kg]{ ePdf s'n wd{ x]/L kGw| lbg;Dd lsl/of labf kfpg]5 .
lsl/of labfdf a;]sf] sd{rf/Ln] k"/f tna eQf kfpg]5 . lqmof labf a:g]
sd{rf/Ln] d[To" ePsf] JolQmsf] tLg dlxgfleq ;DalGwt :yfgLo lgsfoaf6 d[To"
btf{ u/fO{ ;f]sf] k|df0fkqsf] k|ltlnkL cfˆgf] sfof{no k|d"v ;dIf k]z ug"{ kg]{5 .
-`_ ;xof]uL ;b:o÷l8lh6n dlxnfsf] nfuL cfjZos ;]jf ;'ljwfx?df yk36 ug'{k/]df
s]Gb|Lo
;xof]uL ;d'xn] ;do ;dodf lg0f{o u/] cg';f/ x'g]5 .

cg'udgsf] sfd stAo lhDd]jf/L .

-v_ nIf cg';f/sf] ldl6‹ lg/LIf0f ug'{ kg]{,

-u_ nIf cg';f/sf] C0f glnPsf ;b:ox?nfO{ e]6 ug'{ kg]{,
-3_ cfjZostf cg';f/ C0f ljZn]if0f Pj+ C0f ;b'kof]uLtf lgl/If0f ug'{ kg]{,
-ª_ nIf cg';f/sf Effvf gf3]sf C0fLx?nfO{ e]6 ug'{ kg]{,
-r_ ;d'x btf{ ug]{, gofF If]qsf] lgl/If0f ug]{,
-5_ ef}r/ r]s ug]{,n]vf r]s ug]{, n3'p4d C0f :jLs[t ug]{
-h_ zfvf k|aGwssf] ljbf lgj]bg l:js[t ug]{ / cGo sd{rf/Lsf] ljbf /]s8{ r]s ug]{,
-em_ zfvfsf] nIf cg';f/sf] k|utL xf;Ln u/fpg kxn ug]{,
-`_ ;b:ox?sf] cg'zf;g /]s8{df ;'3f/ Nofpg]],
 -6_ cfjZostf cg'?k s]Gb|Lo sfo{nosf ljefux?;+u ;DfGjo /fvL sfd ug]{,
-7_ cfGt/Ls n]vf k/LIf0f ljefun] cf}nfPsf ulNtx?nfO{ ;'wf/ u/fpg]
-8_ cfkm'n] x]g]{ zfvfsf] ljlQo l:yltsf] z'åtf hfFr ug],
-9_ sDKo'6/, ;km6j]o/, /]ld6fG;, n]vf, OG6/g]6sf] sfo{x?df ;xof]u ug'{ kg]{,
-0f_ cGo ;do ;dodf k|d'v sfo{sf/L clws[t Pj+ If]lqo k|aGwsn] cXfPsf sfdx?
ug]{ .
-t_ a}7sdf s]lGb|o ;xof]uL ;d'xsf] a}7sdf ;xefuL x'g] / To; a}7saf6 lg0f{o
ePsf sfo{x? nfu' ug{]
-y_ dfl;s sfo{of]hgf sfo{sf/L lgb{]zs / If]lqo k|aGwsnfO{ k]z ug{]]{ .

lakGg ;bZo 5gf}6sf cfwf/x?

qm=; laa/0f c+s ef/

! cfˆgf] cfDbfgLn] slt ;do vfg k'U5 – !)
s_=# dlxgf ;Dd dfq vfg k'Ug]====== – !)
v_ ^ dlxgf ;Dd dfq vfg k'Ug] –^
u_ ( dlxgf ;Dd vfg k'Ug] – #
3_ aif{ e/L vfg k'Ug] – )
@ sdfpg] ;|f]t :yfoL jf Hofnfbf/L ePsf]
s_=b}lgs Hofnfbf/L ePdf –@
v_ dfl;s Hofnfbf/L ePdf –!
u_ dfly pNn]vLt eGbf cGo ePdf – )
# Kfz'wgsf] cj:yf /.,cfˆgf] cfDbfgLn] slt ;do vfg k'U5
s_ kz'wg gePsf] –@
v_ ;fgf kz'wg ePsf]– !
u_ 7'nf kz'wg ePsf]– )
$ 3/sf] cj:yf
s_ km'; jf v/sf] 3/ sd prfO{ ePsf] -9f]sfaf6 leq k:bf lgx'/Lg kg]{_ – *
v_ prfO{ al9 ePsf] km'; jf v/sf] 3/ –%
u_ 6fon vk8f l6gn] 5fPsf] e'O{ tNnf ePsf] 3/ – #
3_ 6fon, vk8f l6gn] 5fPsf] tNnf ePsf] 3/ –@
ª_ b'O{sf]7f dfq ePsf] 9nfg3/ – !
r_ dfly pNn]vLt eGbf al9 ePdf – )
% afnaRrfsf lzIffsf] cjZyf – %
s_lzIffaf6 alGrt ePsf] – %
v_ ;/sf/L :s'n k9fPsf] – #
u_:yflgo af]l8ª :s'n k9fPsf] – !
3_:yflgo eGbf alx/L af]l8ª :s'n cfˆg} vr{df k9fPsf] – )
^ hUuf tyf 38]/Lsf] l:ytL
s_=;'s'daf;L jf cfˆgf] kl/jf/sf] gfddf hUuf gPsf] –#
v_ d'Vo af6f]n] g5f]]Psf] t/fO{sf] u|fdL0f If]qdf !) w'/ kxf8sf] u|fld0f
If]qdf ! /f]kgL eGbf sd –@
u_ d'Vo af6f]n] g5f]]Psf] t/fO{sf] ahf/ If]qdf ]% w'/ kxf8sf] ahf/L If]qdf *
cfgf eGbf sd– @
 3_ d'Vo af6f]n] 5f]]Psf] t/fO{sf] u|fdL0f If]qdf !) w'/ kxf8sf] u|fld0f If]qdf
! /f]kgL eGbf sd– !
ª_ d'Vo af6f]n] 5f]]Psf] t/fO{sf] ahf/ If]qdf ]% w'/ kxf8sf] ahf/L If]qdf *
cfgf eGbf sd– !
r_ dfly pNn]vLt eGbf al9 ePdf – )
& 3/df ;f}rfno k|ofu ug]{ gug]{ –!
s_cfKgf] zf}rfno gePsf] – !
v_ zf}rfno ePsf] / k|of]u ug]{ u/]sf] – )
* k|lt AoflQm aflif{s cfDbfgL ? @)))) eGbf sd ePdf

!_cfKgf] cfDbfgLn] ^ dlxgf eGbf al9 vfg gk'Ug]

@_ sdfpg] ;|f]t c:yfoL jf Hofnfbf/L ePsf]
#_ cfKgf] :jfldTjdf 7'nf kz'wg gePsf]
$_ al9df @ sf]7fsf] slRr 3/ ePsf]
%_ afn aRrfnfO{ lzIffaf6 alGrt u/]sf] jf lgoldt laBfno ghfg]
^_ t/fO{sf] u|fdL0f If]]qdf !) w'/, kxf8df ! /f]kgL t/fO{sf] ahf/ If]]qdf ^ w'/ / kxf8df ^ cfgf eGbf sd 38]/L
ePsf]
&aflif{s cffbgL %%)) eGbf sd ePsf]

crn ;DklQ d'NofÍgnfO{ uf|X\o gx'g] l:ytL / cfwf/x? M

lgDg lnlvt k|s[tLsf] crn ;DklQ a}+s ;'/If0fsf] nflu dfGo x'b}gg ctM To:tf] crn
;DklQ dN'ofs+g ug{' xF'bg} .
-s_ sfg'gL :jfldTj :ki6 gePsf 3/hUuf .
v_ afbljafb em} emu8f lvrf]nf jf d'4f dfldnf kl//fvs]f ljjflbt 3/hUuf . –
u_ lsQf g+=, ;fwF –;w;lwof/ :ki6 gv'n]sf] cfjthfjt ug{ :jtGq tyf pkoQ'm gePsf]
3/hUuf -3_ gfjfnssf] gfddf ePsf] 3/hUuf .
-ª_ g]kfn ;/sf/af6 clwu|x0f ug{ ] ePsf] 3/hUuf .
-r_ ef}lts ;+/rgf lgdf{0fdf lgif]w ul/Psf] If]qsf] 3/hUuf .
-5_ lju|]sf] jf eTs]sf] jf ef}lts cj:yf pko'Qm gePsf] 3/ .
-h_ cfjZos k/]sf] ;dodf lnnfd jf laqmL jf x:tfGt/0f xg' g;Sg] jf as+} n] klg ;sf/
ug{ g;Sg ] lsl;dsf 3/, 38/]L .
em_ vf]nfsf] ;fwF , gbL s6fg, au/sf ] hUuf jf vf]nf jf gbLn] vfPsf] jf sf6]sf] hUuf
jf s6fg ug{;Sg] ;Defjgf ePsf] / glb psf; e} r/g÷kfvf] / h+un tof/ ePsf hUufx?,
kx/f cfbLsf] glhs e } Jojzflos tyf Jofkfl/s d'No gxg' ] hUufx? .
-`_ ljB'tsf] xfO{6]G;g nfO{g ePsf], 3/ 38]/Lsf] nflu lgif]lwt tyf cg'ko'Qm hUufx?
lnggx'g] . -6_ d]fxL nfu]sf], u7'Lsf] k'0f{ :jfldTjdf /xs]f,] ar] ljvgdf /f]Ssf
nfu]sf ] / lgwf{l/t ;8s ;Ldf leq kg]{ hUuf ;'/If0fsf] ?kdf lng'x'bF}g .
-7_ z?'tyf yk shf{ sf/fj] f/sf nflu t>] f] kIfsf ] 3/hUuf ;/' If0fsf] ?kdf l:jsf/ ug'{
x'Fb}g t/ ;fljs shf{nfO{ yk ;/' lIft agfpg t]>]f kIf jf hdfgL lbg] JolQmsf] :jfldTjsf]
crn ;DklQ ;'/If0f l:jsf/ ug{ ;lsg]5 . t]>f] JolQmsf] ;/' If0f eGgfn ] Psf3/ kl/jf/ afxs]
sf ] JolQmsf ] :jfldTjdf /x]sf] crn ;DklQnfO { ae' mg\ k' b5{ .
-8_ js;–kq u/L lnPsf] crn ;DklQ @ jif{ #% lbg Joltt ge} / /flhgfdf kf; u/L lnPsf]
crn ;DklQ ^ dlxgf #% lbg Joltt ge } ;/' If0f jfkt l:jsf/ ugx{' bF' g} . obL /flhgfdf
kfl/t e} xs x:tfGt/0f ePsf] xsdf /flhgfdfdf v'n]sf] yn}L jf as+} dN'ofs+ g dWo]
hg' sd x'G5 ;f]] /sd ;Dddf lnvt kfl/t u/fO{ lng afwf kg{] 5}g .

vftf vf]Ng cfjZos sfuhftx? M

JolQmut ?kdf art jf d2'tL vftf vfN]g cfjZos kg]{ sfuhftx? M
-s_ k|Tos] lsl;dsf] vftfsf] lgldQ :ki6?kdf lgodfg';f/ el/Psf] t]flsPsf ] vftf vf]Ng]
lgj]bg kmf/fd / b:tvt gdg"f sf8{ .
-v_ vftfjfnfsf] vftf vf]Ng] kmf/fd / b:tvt gd"gf sf8{df 6fF:g] k|of]hgsf nflu kf;kf6]
÷c6f] ;fOhsf ] kmf6f] bO' k|lt .
-u_ gful/stf k|df0f–kq, jf kl/ro v'nfpg] /fxbfgL jf ;jf/L rfns cgd'lt–kqsf] k|dfl0ft
k|ltlnlk jf s'g} cflwsfl/s lgsfosf] km]f6f] ;lxtsf] a}w (Valid) kl/ro kq .
Kf|f]kf]/fO{6/;Lk kmd{sf ] vftf vf]Ng cfjZos kg{] sfuhftx? M
-s_ k|f]kf]/fO{6/sf]] kl/ro vN'g] cfjZos sfuhftx? .
-v_ ;DalGwt lgsfodf btf{ eO{ /Ltka{s gjLs/0f ePsf] kmd{ btf{ k|df0f– kq .,
-u_ cfos/ jf :yfoL s/btf { kd|f0f–kq (PAN) .
;femb]f/L kmd{sf] vftf vf]Ng cfjZos kg{ ] sfuhftx? M
-s_ ;femb]f/L ;Demf}tf .
-v_ ;fem]bf/L kmd{ btf{ k|df0f–kq .
-u_ ;a} ;femb]f/x?sf ] kl/ro v'Ng] cg;'f/sf cfjZos sfuhftx? .
-3_ :yfoL s/btf{ kd|f0fkq -PAN_ .
-ª_ ;f´]bf/x?n] vftf ;~rfng ug{ lbPsf ] clVtof/L–kq .
-r_ ;f´b]f/x?af6 vftf vf]Ng / vftf vfN]g] ;DaGwdf ePsf] lg0f{osf] k|ltlnlk .
sDkgL tyf cGo ;:+yfut lgsfox?sf] vftf vf]Ng cfjZos kg{] sfuhftx? M
-s_cWofjlws ul/Psf] sDkgL jf ;:+yf /lhi6z«gsf ] k|df0f–kq .
-v_ ka|Gw–kq, lgodfjnL, ljwfg, ljlgodx?sf] k|ltlnlk .
-u_ ljBdfg ;~rfnsx?sf ] ;r"L / kmf6]f-lghx?n ] lnPsf] z]o/ ;+Vof ;lxt_ .
-3_ vftf vfN]g] tyf ;~rfng ug {] ;DaGwdf ;~rfns ;ldltn] u/]sf ] lg0f{osf] ptf/ .
-ª_ s/sf] bfo/fdf kg]{ ;+:yfx?sf] xsdf s/ btf{ (PAN) k|df0f–kq .
-r_ vftf ;~rfng ug{]] JolQmx?sf] kl/ro v'Ng] lgod $=^=! cg;' f/sf cfjZos
sfuhftx? . -5_ klAns lnld6]8 sDkgLsf ] xsdf cflwsfl/s kq, k|f=ln=sf] xsdf
vftf ;~rfng ug{sf] kmf6]f ] / gful/stfsf] k|ltlnlk .
ljljw b:t/' ;DaGwL Aoj:yf M
s art r]s a's x/fO{ csf]{ r]s a's lbg'k/]df ? !)) b:t'/ lng] .
-v_ artvftf aGb ubf{ ?=@))÷– lng] / art lx;fadf tf]sLPsf] Go"gtd df}Hbft eGbf
sd df}Hbft ePdf vftfdf dfl;s ?=%)÷– vftfaf6 s§f ug{] .
-u_ artsf] kf;as' jf :66d06 x/fO{ csf {] dfu u/] afkt ?=%)÷– lnO{ Psdlxgfs ]
sf/f]af/ ljj/0f pknAw u/fpg] .
-3_ x/fPsf ] r]s eQ'mfgL /fS]sf ugk{'bf{ eQ'mfgL /f]Sg] b:t/' afkt ?=!))÷– lng] .
-ª_ vftfdf e'QmfgLof]Uo df}HbfteGbf a9L r]s kz] xg' cfO{ ;f]eGbf a9Lsf] r]s
sf6L r]s lkmtf{ ug{'k/]df k|ltrs] , k|ltk6s ?=!))÷– vftfaf6} s§f u/L r]s lkmtf{ /
8l]a6 P8efO; lbg] .
-r_ rs] nfO{ Good for Payment ug{k'bf{ b:t/' afkt k|lt r]s ?=@))÷– lng] .
-5_ d2'tL /;Lb x/fPsf] cj:yfdf ;f] d2'tL /;Lb /f]Ssf /fvL tf]lsPsf] gd"gf cg;'f/sf] lg:;f
jf dd]f ] kb|fg ubf{ ?=@))÷– lng] .
-h_ AofnG] ; ;l6l{kms]6 b:t'/ lgIf]kstfs{] cg/'fw] adfl]hd AofnG]; ;l6{lkms6]
hf/L ug'{kbf{ -cfly{s jifsf] cGTodf Psk6ssf nflu b:t'/ glng] k'gM dfu e} cfPdf k|lt
;l6l{ kms]6 ?=!))÷– lng] .
-em_ ;b:on] cfˆgf] ;b:otf 5]8\bf ?=!)) b:t'/ nfUg]5 ;fy,} o; d]df]sf] hfgsf/L
;Dk'0f{ ;b:onfO{ u/fO{g5] .

!;xof]uL ;b:o÷l8lh6n dlxnf 5gf]6sf cfwf/x?M

-s_ ;fwf/0f n]vk9 ug{ ;Sg],
-v_ aË} k|lt ;sf/fTds efjgf ePsf],
-u_ lghsf] cleefjsn] ;xofu]L ;b:o÷l8lh6n dlxnf eO{ sfd ug{ :jLs[tL lbPsf] xg' '
kg{],
-3_ ljQLo ;:+yffsf] sfo{qmd ;DaGwdf k0"f{ 1fg ePsf],
-ª_ ;d'x lgdf{0f ug{, a7}s lng, sf/f]af/sf] lx;fa lstfa /fVg, tflnd tyf cGo cfjZos
sfdsf] nflu ;do lbg ;Sg],
-r_ l8lh6n dlxnfsf] xsdf eg] Digital Point sf] lhDDff lng ;Sg],
-5_ :yflgo efiff af]Ng ;Sg] .
;xof]uL ;b:o÷l8lh6n dlxnfdf x'g'kg]{ u'0fx?M
-s_ gd| tyf ldng;f/ Aojxf/ ePsf] .
-v_ ;b:o tyf ljQLo ;+:yfk|lt ;s/fTds ;fr]fO{ ePsf] .
-u_ cfkm' cgz'f;gdf j:g] / c?nfO{ klg cgz'f;gdf /fVg ;Sg] .
-3_ gLlt lgodsf ] hfgsf/L ePsf] .
-ª_ a}s+sf] gLlt lgodsf] kfng ug{] / u/fpg ;Sg] .
-ª_ ;+Dk'0f{{ ;b:ox? k|lt ;dfg Aojxf/ ug{ ;Sg] .
-r_ lbO{Psf ] lhDd]jf/L k0'f{ ?kdf jxg ug{ ;Sg] .
-5_ sfof{nosf] uf]klgotf sfod ug{ ;Sg] .
-h_ ljQLo ;+:yf / ;b:ox?;Fu ;dGjo u/L sfd ug{ ;Sg] / -em_ cfly{s Aojxf/ tyf
cg'zf;g /fd|f] ePsf] = ;xofuL ;b:o÷l8lh6n dlxnfsf] sfd, sQ{Ao tyf lhDdj]f/L
M
-s_ ljQLo ;+:yfsf] clgjfo { ;dx" tflnd k'l:tsfdf Joj:yf eP adf]lhd tflnd lbg]
-v_ ;b:ox?sf] KYC kmf/fd eg{]
-u_ ljQLo ;:+yfn] tf]lslbPsf ] nIo cg;'f/ ;b:o agfpg] ;fy } ;d"x lgdf0{f ug],{ -
3_ a}7sdf hfg'' cl3NNff ] lbg dfO{Go'6 tof/ ug{], kf;as' eg{], pQm O{sfO{sf
;Dk0'f { ;b:osf] ls:tf art cfP gcfPsf] Vofn ug] { cflb sfo{x? u/L cfjZos kg{]
;Dk0f{ sfuhkq tyf ;fdfu|Lx? lnP/ a}7sdf hfg] .-3_ ljQLo ;+:yfsf] cg'zf;g /]s8{
nufot cGo lglt lgodnfO { Wofgdf /flv a}+7s ;+rfng ug]{ . -ª_ C0f dfu u/]sf
;b:ox?sf] 3/ 3/df uO{ C0f ljini]f0f ug]{] / cl3Nnf ] dlxgf nufgL ePsf ;b:ox?sf]
;b'kof]uLtf lgl/If0f ug]{ .
-r_ lgodfg';f/ shf{ c;'ln ug]{ .
-5_ a}7s ;s]/ zfvf jf Digital Point df kms]{kl5 nufgL ug{], ef}r/ tof/ ug]{, C0f
nufgL ubf{ cfjZos kg]{ ;Dk"0f{ sfuhftx? tof/ ug]{, n]vf /fVg] PJf+ ;f] lbgsf]
sf/f]af/sf] /s]8 { plx lbgdf zfvfdf ae' mfpg] . obLDigital Point df sfo{ ug ]{ eP
;+ej ePsf] 7fpdFf Enternet sf ] ko|fu] u/L plx lbgdf zfvfdf k7fpg,]
-h_ plx lbgsf ] sf/fa] f/sf] /]s{8{ zfvfdf k7fpg g;s] klg cfˆgf] Point df ;a} sf/f]af/sf]
n]h/ /flv bl}gs x/lx;fa r9fO{ r:'t b?':t agfO{ /fVg'kg5{] .
em_ a}7sdf dfu ePsf] shf{ ;fl]x lbg ljinz]0f ug{ ;s]df ;fl]x lbg nufgLsf] nflu
af]nfpg] cGoyf shf{ dfu ePsf] Ps xKtf leq ljZn]if0f u/L shf { nufgL ug]{,
-~f _ l8lh6n dlxnfn] cfˆgf] Point cGTfut{ nufgL u/sf ] ;Dk{0'f{ shf{sf]]
lhDDff lng"kg5]{ . lghn ] ;Dk0'f { ;b:ox?sf] zt kl|tzt c;'nL tfs]LPsf] ;dodf
clgjfo{ ?kdf u/fpg ' kg5]{ .
-6_ a+7}s cg'udg tyf lg/LIf0fdf cfPsf sdr{f/Lx/nfO{ ;xof]uL ;b:o÷l8lh6n
dlxnfn] cfjZos ;xof]u lbg] lng] ug'{kb{5 .
-7_ ;xof]uL ;b:o÷l8lh6n dlxnfn] shf{ lgb{l]zsfdf tfl]sP cg;'f/ ;fwf/0f shfs{ f
] clwstd l;df ;DDfsf ] shf { kl|t ;b:o l:jst[ u/L nufgL ug;{ Sg5] g .
-8_ ?=!)))). ;Ddsf] art lkmtf{ Pj+ /]ld6]G; sf/fa]f/ ug{ kfpg]5g .
;xof]uL ;b:o÷l8lh6n dlxnfaf6 cjsfz kfpg] cj:yfx?M
-s_ cfly{s lxgfldgf u/]df,
-v_ ljQLo ;:+yfsf] gLlt lgodeGbf aflx/ uO{ a7}s lnPdf jf nufgL u/d]f,
-u_ s'g}} ;b:okl|t kj'fu||lx efjgf /flv sfd u/df,
-3_ sfd ug{ g;s]df,
-ª_ c;l'ndf ;d:of cfPdf,
-Rf_ Os{fO{df tyf ;f] ;dfhdf ljQLo ;+:yf k|lt s'g} ls;Ldsf] ;d:of jf u'gf;f] cfPdf
;f] sf] hfgsf/L ljQLo ;:+yfnfO{ ;dodf gu/fPsf] sf/0fn] ljQLo ;+:yfnfO{ xfgL
gf]S;fgL ePdf jf s'g} lsl;daf6 xfgL k'Ug] sfo{ u/]df jf ug{ pS;fPdf .
O{sfOdf shf{ dfu ug]{ l:ytLx? ;bZo cg';f/
!) hgfsf] OsfO{df P=1, !!–@) hgfsf] OsfO{df P=2,@!–@% ;Dd P=3 @^
b]vLdfyL P=4 j6f
!)–!% nfO{ E=1,L=1 ,M=1 !% bvL dfly E=2, L=2 M=2

नेपालराष्ट्रबैंकलेगनेकार्यहरु
१. बैं कर्नोट तथा ससक्का सर्नष्काशर्न र व्यवस्थापर्नगर्ने ।
२. मौसिकर्नीसततर्जु मा गर्नेरसोर्नीसतकार्ाु न्वर्र्नगर्नेगराउर्ने।
३. सवदे शीसवसर्नमर्र्नीसतसर्नमाु णगर्नेरसोर्नीसतकार्ाु न्वर्र्नगर्नेगराउर्ने ,
४. सवसर्नमर्पद्धसतसर्नर्ाु रणगर्ने।
५.सवदे शीसवसर्नमर्संसिसतकोव्यवस्थापर्नरसंञ्चालर्नगर्ने।
६.
बैं कतथासवत्तीर्संस्थालाईसवत्तीर्कारोबारगर्नुअर्नजमसतसदर्नेरत्यस्तोकारोबारकार्नजर्नबमोसर्मभएवार्नभएकोसम्बन्धमासर्नर्मर्न,
सर्नरीक्षण, सजपररवे क्षणतथाअर्नजगमर्नगर्ने।
७. र्नेपालसरकारकोबैंकर, सल्लाहकारतथासवत्तीर्एर्े न्टकोरुपमाकार्ु गर्ने।
८.वासणज्यबैंकतथासवत्तीर्संस्थाकोबैंकतथाअन्तिमऋणदाताकोरुपमाकार्ु गर्ने।
९.भजक्तार्नी, फछ्र्यौट (न्तिर्ररङ) तथासहसाबसमलार्न (सेटलमेन्ट)
पद्धसतकोस्थापर्नातथाप्रवि् र्र्नगरीसोकार्ुलाईसर्नर्समतगर्ने।
१०.बैंककासर्नर्ाु ररतउद्दे श्यहाससलगर्नुकोसर्नसमत्तबैं कले गर्नजुपर्नेअन्यआवश्यककार्ु हरुकार्ाुन्वर्र्नगर्नेगराउर्ने।

!=n3'ljQ ;DaGwL lgodg n3'ljQ ljQLo ;:+yfx?nfO{ clgjfo{ ?kdf shf{ ;'rgf
s]Gb|sf] ;+hfndf cfj4 xg'] Joj:yf ldnfOg] 5 .
@=oL ;:+yfx?n] lgoldt ?kdf shf{ ;r"gf s]Gb|df ;r"gfgk7fPdf ;r"gf gk7fPsf]
shf{df yk @
k|ltzt ljGb''n] shf{ gfS];fgL Joj:yf sfod ug'{k'g{] Joj:yf ul/g]5 .
#=ul/aL lgjf/0f sf]if, u|fdL0f :jfanDjg sf]if tyf oj'f :j/f]huf/ sfi]fsf u|fxsaLr
shf{ tyf ;'ljwf pkof]udf b]lvPsf] b]fxf]/f]kgf x6fpg cfjZos Joj:yf ldnfOg] 5 .
lagf lwtf] ;fd'lxs hdfgLdf kb|fg ul/g] n3'shf{ Ps C0fLn] PseGbf a9L n3'ljQ
ljQLo ;+:yfaf6 lnFbf Psn shf{ ;Ldf gf£g gkfpg] Joj:yf ldnfOg] 5 .
n3'ljQ ljQLo ;:+yfx?sf] Ohfhtsf nflu cfj]bg lng] sfo{ :yug ;DaGwL ljBdfg
Joj:yfnfO{ lg/Gt/tf lbOPsf] 5 .
n3''ljQ ljQLo ;:+yf ;f]xL ju{sf] csf]{ ;+:yf;Fu ufEg÷ufleg jf k|flKtsf nflu
k|f]T;fxg ug{] u/L cfjZos gLlt th'd{f ul/g]5 .
ufpFkflnsfl:yt n3''ljQ ljQLo ;:+yfsf sfofn{ ox?n] :jLsf/ofU]o lwtf] lnO{ ;d'x
df cfa4 ePsf tyf gePsf JolQmx?nfO{ n3'pBd ;~rfng ug{ ?= bz nfv;Dd
shf{ k|afx ug{ ;Sg] Joj:yf ul/g5] . ;xfos sDkgLsf] ?kdf /xg] n3'ljQ ljQLo
;+:yfsf] ;DaGwdf d'Vo tyf ;xfos sDkgLaLr x'g] sf/f]af/nfO{ ;DalGwt
kIfaLr xg] sf/f]af/ zLif{s cGt{ut vn'fpg kg{] gLltut Joj:yf ul/g]5 . n3''ljQ
ljQLo ;+:yfx?n] cfˆgf] sf]ifsf] nfutdf tfl]sPsf] k|zf;lgs vr{sf cltl/Qm a9Ldf ^
k|ltzt ljGb'';Dd yk u/L shf{sf] Aofhb/ sfod ug{ ;Sg] Joj:yf ul/g]5 .
sd{rf/L 3/hUuf shf{ ;DaLGw Aofa:yf

qm=; Kb a]l;s tnj u|]8 3/hUuf ;fkl6

! ;xfos kl/r/ 11656 389 414000
@ kl/r/ . ;'/Iff uf8{ 15218 507 564000
# al/i7 kl/r/ 18780 626 674000
$ al/i7 ;jf/Lrfns 23313 777 836000
;=O{=k|
% O{sfO k|aGws 26875 896 972000
^ a=O{=k| 30436 1015 1100000
& ;xfos zf=k| 35617 1187 1254000
* Zff=k| 40798 1360 1416000
( al/i7 zf=k|

sd{rf/L labf ;'lawf

3/ labfM!* lbgsf] ! lbgsf b/n] aif{df @) lbg ;lrt ug{ ^) lbg ;Dd kfO{g] lars]f labf klg
labfdf ulgg] 5}g .
la/fld labf M dfl;s ! lbgsf b/n] afif{sf] !@ lbg ;]jf lga[t jf cjsf; x'bf Psd'i6 /sd kfO{g] .
e}k/L labf M dl;s ! lbgsf b/n] !@ lbg larsf] ;fa{hgLs labf ulgg] 5}g clwlbg klg lng
kfO{g]
k|;'lt labfM (* lbg ;'lawf ;lxt :ofxf/ labf lbg
lsl/of labf M wd{ c';f/ !% lbg ;Dd
laif]z labf M % aif{ kl5 aif{sf] !% lbg ;]jf calwe/L ^) lbg eGbf gkfO{g]
aflif{s labf M aif{ sf] !) lbgdf % lbg Psd':7 clgjfo{ lng' kg]{
cWofog ÷tflnd labf M # aif{ sfo{ u/]sf] sd{r/Ln] Ps k6s jf k6s k6s u/L hDdf al9df #
jif{ cWofog labf
c;fw/0f labf M !) aif{ :yfoL ;]jf k'/f u/]sf sd{rf/Ln] ! aif{ a]tnjL
Microfinance is one of the best alternatives to generate self-employment. It
provides services to the communities who have no collateral and who is poor or
ultra- poor ,who have not any option to financial services to commercial and
development bank , there are most of the people are poor an nobody have a
business and job .so that case many helpful micro- finance bank and instates I
think micro finance is a social service to help increase economic status. most of
target people are in it provide small loan with-out collateral to increase there
income first formade the group and take the member sheep and start give
microfinance services small loan small insurance small saving and remittance the
intuitions. So that microfinance is part of the village development .

Micro-finance is approved be Nepal Nrb (Nepal Ratra bank ) in our country Nepal
it is D class bank and instutions and Nepal contain there are 64 micro-finance
most of mfis are located undevelopment , remote area where other class bank
and financial intuitions and give loan with out collateral and with collateral micro
loan for doing a small business and other propose from group base most of the
poor people have not invest money to start self business so that mfi is help These
people . for example agriculture , farming ,fish farming , hotel ,cottage insd
Women who could gain access to microfinance services have been able to create
self-employment opportunities and have been economically and socially
empowered through increased income earning from their small projects. The
MFIs and the wholesale lending institutions such as RMDC together have raised
the level of awareness and the required skills of these women to successfully
carry out locally feasible income generating activities. Many participating women
have now become self-reliant both economically and socially with the acquired
knowledge and skills, and the resultant income from the microfinance program.
Thus, microfinance has become a strong means to reduce poverty especially of
the women. Among the many developmental programs implemented in Nepal,
microfinance programs have a strong rural orientation and are targeted at the
poor.
Work of microfinance
1 Provide a micro loan with out collateral with collateral for a any small business
2. provide a many types of saving collection and for future
3. give the financial literacy and financial discipline how to Earn money how
expenses and how to saving for own future
4. take the micro insurances
5. skill development training ,
Challenge of microfinance in Nepal
1. government policy
2. un-healthy competition of same field
3. only profit orientated intuitions
4 only focus of profit and more achieve target and big projection
5. multi borrowing member
6. expensive and lugarias life stile
7 did not supervision and loan
8 without project landing and take loane
9 sources (fund) problem

Micro-finance is Call as the financial services Provide to the deprived groups of the people and small
entrepreneurs in savings, credit, remittance, rural insurance, etc. to help them in developing self-
employment opportunities and various income generating activities. Small size of loan, group
savings, small-scale entrepreneurs, diversified utilization and simple and flexible terms/conditions
on credit (without collateral) are the determining characteristics of its definition. Nepal has an
experience of about three decades in Microfinance. Although many programmes have been
implemented for poverty alleviation in Nepal, only microfinance programmes are seen as pro-poor
and rural based. In Nepal, agriculture based cooperatives were initiated in the 1950s as a first step in
micro-finance. The SFDP was transformed into SFCLs (Small Farmers Cooperative Limited), which
have been managed by the farmers themselves. Other micro-finance development programmes,
including Priority and Deprived Sector Credit Programme and donor supported various micro-credit
programmes were launched during the period. Micro-finance has been particularly recognized as an
effective development intervention for basic three reasons: • The services provided through micro-
finance can be targeted specifically at the poor and poorest of the poor, • These services can make a
significant contribution to the socio-economic status of the targeted community, and • The
institutions that deliver these services can develop within few years, into sustainable organizations
with steady growing outreach. Difficult topography, remoteness, heterogeneous groups and culture,
etc., have hindered for the successful delivery of micro-finance in Nepal. Principally, micro-finance
institutions pursue the income generating activities to promote the interest of the poor by providing
basic services and contribute in upgrading their economic and social standard. Modalities of
Nepalese Micro-finance Sector that has been Practiced in Nepal and their Outreach Micro-finance
programmes are established and promoted in Nepal with diversified method and modalities. They
are in public vs private sector modality, project based modality, wholesale lending based modality,
community vs deprived sector based modality, etc. The micro-credit programmes such as PCRW,
MCPW, GBBs Replicates, etc., fall under gender based programmes while the programmes as
PAPWT, TLDP, RMP, CGISP, etc. come on project based micro credit programmes. The wholesale
micro credit programmes are RSRF, RMDC, SKBBL, etc. The micro credit activities of SACCOPs and
FINGOs come under the modality of community based. Besides, a number of selfhelp groups are also
rendering micro finance services to the rural people. Although large numbers of MFIs have emerged
in Nepal, micro-finance services from these institutions are yet to cover the target group in full
capacity particularly in remote hills and mountains. Based on institutions involved, microfinance
sector can be classified into two groups– formal (Government and NRB) and semi-formal model as
depicted in Fig 1. 1. Small Farmer Co-operatives Limited Previously it was the Small Farmer
Development Project under Agricultural Development Bank, which has been transferred to the local
community under the Cooperative Act, 1991. No. of SFCL Benefited no. of members Benefited no. of
groups Technical Support Financial Support 139 85.730 13,322 IFAD, CGAP & GTZ SKBBL As of Mid-
July 2006 2. Priority Sector and Deprived Sector Credit Programmes There is the mandatory
provision for all commercial banks to disburse 2 percent and 3 percent of the total loan portfolio to
priority and deprived sector credit programme respectively. By Mid-July 2007, the priority sector
credit programme will be phased out. (Rs. in million) Priority Sector Deprived Sector Direct credit
from Commercial Banks (CBs) Agriculture Domestic Industries Services Power Sector Machine and
Import of Raw Materials 8057.71 1206.76 1813.52 4025.12 1000.51 11.80 1208.24 776.86 85.50
345.88 - - Indirect credit through MFIs 2046.36 4046.89 As of Mid-July 2006 3. Rural Micro-finance
Development Banks To provide the banking facilities for the socioeconomic upliftment of the
deprived people in the rural areas 5 regional rural development banks were established with the
initiative of the government, NRB and some other financial institutions. Later 4 private sector micro-
finance development banks (Nirdhan, Swabalamban, Deprosc& Chhimek) were also established. (Rs.
in thousand) 5 Grameen Bikas Banks 4 Replicating Banks Number of Centre 5046 7054 Number of
Groups 36403 36717 Number of Member 167886 185833 Number of Borrowers 149255 146402
Total Disbursement 12484829 6642502 Total Repaid 11224716 5495863 Total Outstanding 1260113
1146639 District Covered 47 40 Number of Branch 142 120 VDC Covered 1038 1163 As of Mid-July
2006 4. Financial Intermediary Non-government Organizations (FINGOs) Out of about 10,000, only
47 NGOs are licensed by NRB for financial intermediary. They usually form the groups and collect
deposit through MFIs as well as they obtain wholesale credit from MFIs and disburse it to the group
members. 5. Savings and Credit Co-operatives (SACCOPs) The co-operatives have been introduced in
Nepal since 1956. About 8000 co-operatives are registered in Cooperative Department of the
Government of Nepal. Some near about 2600 cooperatives are involved with the savings and credit
programmes. Of them, only 19 cooperatives are licensed by NRB for limited banking transaction and
199 co-operatives are associated with the RSRF. 6. Wholesale Micro-finance Institutions RSRF: To
increase the income and render employment opportunity for the deprived people in the rural areas,
the Government of Nepal has established the Rural Self-Reliance Fund in 1991 with the seed capital
fund of Rs. 20 million and added another Rs. 20 million in 2004/05. NRB has provided a total amount
of Rs. 253.40 million from its profit in this fund in different periods. In F.Y. 2006/07 the Government
of Nepal is injecting the amount of Rs. 50 million in the fund. RSRF provides the wholesale credit for
on-lending purpose to the deprived people through MFIs, Cooperatives and NGOs and long-term
loan to the sector like tea, cardamom & cold storage through Agricultural Development Bank. (Rs. in
thousand) Short Term (51 NGO, 199 SFCL) Mid and Long Term PFI 250 5 Total Disbursement 101359
159200 Total Repaid 68593 21666 Total Outstanding 32766 137534 District Covered 47 40 Family
Benefited 9949 - As of Mid-July 2006 RMDC & SKBBL To provide the wholesale loan to MFIs, SFCLs,
RMDC and SKBBL were established in 2000 and 2002 respectively. (Rs. in thousand) Rural Micro-
finance Development Centre Ltd. (RMDC) Sana Kisan Bikas Bank Ltd. (SKBBL) PFI 45 All SFCL Total
Disbursement 982602 827785* Total Repaid 481748 724054* Total Outstanding 500854 1430539
District Covered 24 - As of Mid-July 2006 * Current year disbursement and repayment only. 7. Donor
Sponsored Micro-credit Programmes There are six major donor funded micro-credit programmes
that are running in the country of which some are now in in-active stage. They are PCRW, MCPW,
TLDP, PAPWT, RMP and CGISP. All these programmes are focused to reduce poverty and have
contributed to the facilitation of micro-credit to the targeted groups and assisted in capacity building
of PFIs. ™To improve the socio-economic status of rural women by accessing them to institutional
loan for their productivity the project Production Credit for Rural Women (PCRW) was launched in
30 November 1988. ™To increase the economic status of the rural & urban women by providing
micro-credit for their micro businesses the project Micro-Credit Project for Women (MCPW) was
launched in 15 December 1993. ™To increase the income & employment of the rural poor by
engaging them in livestock management & productivity the project Third Livestock Development
Project (TLDP) was launched in 1997. ™To increase participation of the deprived poor in Western
Terai for their socio-economic upliftment the project Poverty Alleviation Project in Western Terai
(PAPWT) was launched in 1998. ™To increase the agriculture productivity by providing the irrigation
facilities to the deprived community's farmers for the poverty alleviation program the project
Community Ground Water Irrigation Sector Project (CGISP) was launched in March, 1999. (Rs. in
thousand) PCRW MCPW TLDP PAPWT CGISP PFI 3 2 17 5 10 Total Disbursement 234593 195209
183464 136745 158748 Total Repaid 99702 48802 142157 62129 2870 Loan Outstanding 134891
146407 41307 74616 155878 District Covered 35 42 19 8 12 Benefited family N.A. N.A. 9773 21000
21262 Donor Agency IFAD ADB/M ADB/M IFAD ADB/M Project Period 1988 to 1997 1993 to 1999
1997 to 2004 1998 to 2004 1998 to 2007 Last Repayment tenure to Multilateral agencies May 2019
November, 2018 Mid July 2034 Mid July 2033 2037 December As of Mid-July 2006 8. Prudential
Regulation Related to Micro-finance The Development Bank Act-1995 and Financial Intermediary
Act-1998 were the instances of some Fig 1: Micro-finance Sector in Nepal Micro Finance Sector
Governm ent/NRB Initiated Model Semi-formal Sector Government Mandated Model Rural
Development Banks NGO/SCC Model (External Fund) Micro Finance Development Banks NGO/SCC
Model Indigenous NGOs SCOs/ SCCs Government/ NRB Programme (RSRF, MCPW, SFCL) INGOs
Program (PLAN, SCF, CECI) NCDB regulation related to micro-finance sector. The prudential
regulation for micro-finance development banks came into existence in 2003. This regulation
became effective from January 2004 with some amendments. Followingly, BAFIA -2006 permits to
run micro-finance business while 1st Amendment of Financial Intermediary Act (1998) – 2002
facilitates FINGOs for doing limited financial intermediation as small savings, group savings, micro-
credit and agent banking. The main characteristics of NRB's prudential regulations for MFDBs are as:
• To open a MFDB at national level, a minimum paid-up capital of Rs. 100 million is needed while
such MFDB is supposed to be operated at Regional level excluding Kathmandu Valley requires Rs. 60
million as its minimum paid-up capital, 4 to 10 districts excluding Kathmandu Valley requires Rs. 20
million as its minimum paid-up capital and MFDB supposed to operate in 3 districts excluding
Kathmandu Valley require up to Rs. 10 million paid-up capital. • Minimum of 7 promoters are
needed to establish a proposed MFDB. The promoters can hold up to 70 percent stake. Some 30
percent shares should be floated to the public. • So far as the foreign stake is concerned, such
investors can hold a minimum of 20 percent to a maximum of 85 percent including category "D". ¾
MFDBs are urged to keep its CAR for Tier-I up to 4 percent and total capital adequacy ratio 8 percent
from 2005/06 onwards. ¾ MFDBs can mobilize 30 times of the primary capital. Such financial
resources include deposits, special saving deposits and borrowings. ¾ MFDBs are required
compulsory to maintain a minimum liquidity balance at 2.5 percent of their stake of MFDB. • MFDBs
to be operated in rural areas are accorded top most priority for obtaining business licenses from
NRB. • NRB has introduced additional prudential regulation effective from mid-April 2003 specially
for MFDB operating in the country with an objective of making micro-finance business more reliable,
sustainable, competent, and effective on service delivery matter. • Based on the ageing of overdue
loans of MFDBs, such loans are classified into four groups namely Pass (overdue up to 3 month),
Sub-standard (overdue by 3 to 6 months), Doubtful (overdue by 6 months to one year) and Loss
(overdue by one year or more). • MFDBs are accorded autonomy for the expansion, closure and
merger of their branches within the approved geographic areas. For the opening up of a new branch,
MFDBs must have a Business Plan and an Approval from their respective board. • MFDBs can
provide loan upto the amount of Rs. 40 thousand of collateral free loan to the group members and
the bank could extend the loan upto Rs. 100 thousand with the collateral based to run micro and
small enterprises. • All MFDBs should be effortful to maintain a good corporate governance culture.
9. Future Prospectives To assist the poverty reduction programme of the Government, Nepal Rastra
Bank has played pivotal role in building up the institutional network and mechanism for easy and
smooth availability of the micro-finance for the income generating activities of the poor and the
deprived people. This has resulted in the emergence of many MFIs, which have been participating in
the micro-financing operation using it as one of the effective financial tools for poverty reduction.
However, these MFIs have not been able to provide services to all the targeted people. There is a
wide scope and tremendous opportunity for these institutions to involve in micro financing right
through various rural financing programmes. The challenge of the day is first reaching out to the
majority of the poor people with micro and rural finance and secondly making the MFIs viable,
sustainable, and profitable. Endorsement of National Micro-finance Policy and establishment of a
Second Tier Institution (STI) as proposed by the Government of Nepal will facilitate the
categorization of various MFIs even to formalize informal financing to provide easy access to the
microfinance. Besides, the cost effective and self-sustained MFIs are also the pre-conditions for the