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Nepali Literary Analysis Guide

This document is an insurance policy document for professional vehicle insurance. Some key points: 1. The insurance company will provide compensation for loss or damage to the insured vehicle or its fitted accessories caused by various risks like accidents, earthquake, flood, lightning etc. 2. Depreciation rates for different vehicle parts are specified in case of partial loss. 3. Maximum liability of the insurance company for transportation costs of the damaged vehicle is specified. 4. Process for declaring insured value of the vehicle at the start of each policy period and applying depreciation is defined. Compensation in case of total/constructive total loss is also explained.

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0% found this document useful (0 votes)
104 views14 pages

Nepali Literary Analysis Guide

This document is an insurance policy document for professional vehicle insurance. Some key points: 1. The insurance company will provide compensation for loss or damage to the insured vehicle or its fitted accessories caused by various risks like accidents, earthquake, flood, lightning etc. 2. Depreciation rates for different vehicle parts are specified in case of partial loss. 3. Maximum liability of the insurance company for transportation costs of the damaged vehicle is specified. 4. Process for declaring insured value of the vehicle at the start of each policy period and applying depreciation is defined. Compensation in case of total/constructive total loss is also explained.

Uploaded by

Subash Dangal
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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cg';"rL – #

-bkmf @=* ;+u ;DalGwt_


Jofj;flos ;jf/L ;fwg aLdfn]v
-aLdssf] gfd / 7]ufgf pNn]v ug]{_
o; aLdfn]vn] /Iffj/0f ug]{ Iflt÷xflg–gf]S;fgL la?4 aLdf ug{sf nflu -aLdssf] gfd pNn]v ug]{_ -o;
kl5 aLds elgPsf]_ n] k|:tfj k|fKt u/]sf] / aLdsn] o; aLdfn]vsf] clwgdf /xg] u/L hf]lvd axg ug{
dGh'/ u/L o; aLdfn]vsf] tflnsfdf pNn]lvt aLdfz'Ns k|fKt u/]sf]n] aLdsn] of] aLdfn]v hf/L u/]sf]
5.
o; aLdfn]vsf] nflu k|fKt k|:tfj kmf/fdnfO{ o; aLdfn]vsf] cfwf/ tyf aLdfn]vsf] tflnsfdf qmd ;+Vof
pNn]v eO{ ;+nUg ;Dk'i6Lx? o; s/f/sf] cleGg c+u dflgg] 5 .

kl/R5]b –!
aLdfn]vn] /Iffj/0f u/]sf] Jofj;flos ;jf/L ;fwgsf] Iflt÷xflg–gf]S;fgL
1= aLdsn] aLldtnfO{ b]xfosf] s'g} sf/0faf6 o; aLDffn]vsf] tflnsfdf pNn]lvt Jofj;flos ;jf/L
;fwg -o;kl5 ;jf/L ;fwg elgPsf]_ jf ;f]df hl8t kf6{k"hf{ jf b'j}sf] Iflt÷xflg–gf]S;fgL eP
afkt Ifltk"lt{ k|bfg ug]{5 M–
-s_ cfunfuL, r6\ofË, ;jf/L ;fwg jf ;f]df hl8t kf6{k"hf{sf] laikmf]6g jf :jhng,
-v_ e"sDk,
-u_ af9L÷8'jfg,
-3_ klx/f]÷e":vng,
-ª_ cfFlwa]x/L, cl;gf, lxpFm jf t'iff/f],
-r_ cfsl:ds÷b'3{6gfhGo afx\o sf/0fx?,
-5_ ;jf/L ;fwgsf] k|of]uaf6 ePsf] x|f; -j]o/ P08 6]o/_sf] kl/0ffd :j?k jf oflGqs jf
laB'tLo cj/f]w÷c;kmntf÷ 6'6km'6sf] sf/0fn] ;jf/L ;fwgdf ePsf] Iflt÷xflg–gf]S;fgL
-h_ rf]/L, ;]+wdf/L jf gsjhgL,
-em_ ;8s, /]n, cfGtl/s hndfu{, lnˆ6 jf Plne]6/df cf];f/ k;f/ ubf{,
2= k|s/0f ! adf]lhdsf] s'g} sf/0faf6 ePsf] Iflt÷xflg–gf]S;fgLn] ubf{ ;jf/L ;fwgsf] b]xfosf] a:t'af6
ag]sf] kf6{k"hf{x? km]g'{ k/]sf] cj:yfdf b]xfo adf]lhd x|f; s§L x'g]5 M–
-s_ ;Dk"0f{ lsl;dsf /a/, Knfli6s jf gfOngaf6 ag]sf kf6{k"hf{\, alQx?, Aof6«Lx?, 6fo/ tyf
6\o"adf %)Ü
-v_ kmfOj/ Unf;af6 ag]sf kf6{k"hf{x?df #)Ü
-u_ sfFr -Unf;_ af6 ag]sf ;fdfgx?df )Ü

3= k|s/0f ! df pNn]v ePsf] s'g} sf/0faf6 ePsf] Iflt÷xflg gf]S;fgLn] ubf{ ;jf/L ;fwgsf] k|s/0f @
df pNn]v eP eGbf afx]ssf]] kf6{k"hf{x? km]g'{ k/]sf] cj:yfdf b]xfo adf]lhd x|f; s§L x'g]5 M–
g]kfndf btf{ ePsf] ldlt b]lv u0fgf ubf{ ;jf/L ;fwgsf]] pd]/ x|f; s§Lsf] b/
^ dlxgf eGbf sd ) k|ltzt
^ dlxgf b]lv ! jif{ eGbf sd % k|ltzt
! jif{ b]lv @ jif{ eGbf sd !) k|ltzt
@ jif{ b]lv # jif{ eGbf sd !% k|ltzt
# jif{ b]lv $ jif{ eGbf sd @% k|ltzt
$ jif{ b]lv % jif{ eGbf sd #% k|ltzt
% jif{ b]lv !) jif{ eGbf sd $) k|ltzt
!) jif{ jf ;f] eGbf jl9 %) k|ltzt
4= k|s/0f ! adf]lhdsf] sf/0faf6 cf+lzs Iflt÷xflg–gf]S;fgL ePsf] ;jf/L ;fwgsf] Ifltk"lt{ k|bfg ubf{
k|s/0f @ jf # df pNn]v eP adf]lhdsf] X|f; s§L tyf o; aLdfn]vsf] tflnsfdf pNn]v ePsf]
clgjfo{ clws tyf :j]R5Ls clwssf] of]ukmn s§L u/L afFsL /sd aLdsn] e'QmfgL lbg]5 .
5= k|s/0f !, @ / # df h'g;'s} s'/f n]lvPsf] ePtfklg b]xfosf] s'g} klg cj:yfdf aLdsn] e'QmfgL ug]{
5}g M
-s_ ;jf/L ;fwgsf]] k|of]uaf6 ePsf] x|f; -l8lk|l;o;g_, oflGqs jf laB'tLo
cj/f]w÷c;kmntf÷6'6km'6,
-v_ ;jf/L ;fwg b'3{6gf gePsf] cj:yfdf ePsf] 6fo/÷6\o"asf] Iflt,
-u_ ;jf/L ;fwgsf] rf]/L gePsf] cj:yfdf ePsf] kf6{k"hf{ dfqsf] rf]/L÷;]+wdf/L÷gsjhgL,
-3_ ;jf/L ;fwgsf] k"0f{ Iflt jf nlIft k"0f{ Iflt -sG:6«lS6e 6f]6n n;_ ePsf] cj:yfdf jfx]s
jlQ, d8uf8{ / /+u/f]ug ;DaGwL s'/fsf] Iflt÷xflg–gf]S;fgL,
-ª_ rfnsn] dfbs kbfy{ jf nfu" kbfy{ ;]jg u/]sf] sf/0fn] ePsf] Iflt÷xflg–gf]S;fgL,
-r_ ;jf/L ;fwgk|lt aLldtsf] xs lxt kl/jt{g jf ;dfKt ePsf] ;ft -&_ lbg kl5 ePsf]
Iflt÷xflg–gf]S;fgL .
6= k|s/0f ! df plNnlvt s'g} sf/0faf6 ;jf/L ;fwg grNg] ePdf ;jf/L ;fwgsf]] ;'/Iffsf] nflu jf
glhssf] dd{t ug]{ :yfg;Dd k'¥ofpg nfUg]] cfjZos / jf:tljs vr{ aLdsn] Joxf]g]{ 5 . o;
k|s/0f cGtu{t aLdssf] clwstd bfloTj b]xfo adf]lhd x'g]5 M
b'3{6gf ePsf] :yfgaf6 k'–ofpg' kg]{ :yfg ;Ddsf] b'/L –
-s_ krf; lsnf]ld6/ eGbf sd ePdf kfFr xhf/ ?k}ofF ;Dd,
-v_ krf; lsnf]ld6/ jf ;f] eGbf al9 ePdf bz xhf/ ?k}ofF ;Dd .

7= o; aLdfn]v cGtu{t aLdssf] bfloTj x'g ;Sg] Ifltsf] ;DaGwdf b]xfosf zt{x? k"/f u/L aLldtn]
;jf/L ;fwg cfjZos dd{t u/fpg ;Sg]5 M
-s_ o:tf] dd{t sfo{sf] cg'dflgt vr{ kfFr xhf/ ?k}ofF eGbf al9 gePdf,
-v_ dd{t vr{sf] lj:t[t ljj/0f tTsfn} aLdsnfO{ pknAw u/fPdf /
-u_ aLldtn] aLdsnfO{ o:tf] dd{t ug{ cfjZos ePsf] tyf ;f] afkt nfu]sf] vr{ dgfl;a xf]
eGg] s'/f Plsg ug{ cfjZos k|df0f ;lxt ;xof]u u/]df .
8= ;jf/L ;fwgsf]] aLdfÍ lgwf{/0f b]xfo adf]lhd x'g]5 M
-s_ k|To]s aLdf cjlwsf] z'?df aLldtn] 3f]if0ff u/]sf] d"NonfO{ ;f] aLdf cjlwsf] nflu ;jf/L
;fwgsf]] aLdfÍ dflgg]5 .
-v_ ;jf/L ;fwgsf]] ljt/s jf pTkfbsn] d"No;"rL pknAw u/fO/x]sf]] ;jf/L ;fwgsf]] v08 -s_
adf]lhdsf] 3f]lift d"No lgwf{/0f ubf{ aLldtn] k|To]s aLdf cjlwsf] z'?df o; aLdfn]v cGtu{t
aLdf x'g] a|f08 / df]8nsf] ;jf/L ;fwgsf]] tyf ;f]df hl8t kf6{k"hf{sf] ljt/s jf pTkfbsn]
pknAw u/fPsf] d"No;"rLaf6 b]xfo adf]lhd x|f; s§L u/L 3f]lift d"No sfod ug'{ kg]{5 .
g]kfndf btf{ ePsf] ldlt b]lv u0fgf ubf{ ;jf/L ;fwgsf]] pd]/ x|f; s§Lsf] b/
^ dlxgf eGbf sd % k|ltzt
^ dlxgf b]lv ! jif{ eGbf sd !% k|ltzt
! jif{ b]lv @ jif{ eGbf sd @) k|ltzt
@ jif{ b]lv # jif{ eGbf sd #) k|ltzt
# jif{ b]lv $ jif{ eGbf sd $) k|ltzt
$ jif{ b]lv % aif{ eGbf sd %) k|ltzt
-u_ ;jf/L ;fwgsf]] ljt/s jf pTkfbsn] d"No ;"rL pknAw u/fpg 5f]8]sf] jf btf{ ePsf] ldlt
b]lv u0fgf ubf{ kfFr aif{ jf ;f] eGbf al9 pd]/ k'u]sf] ;jf/L ;fwgsf]] v08 -s_ adf]lhdsf]
3f]lift d"No lgwf{/0f ubf{ k|To]s aLdf cjlwsf] z'?df aLldt / aLdssf] cfk;L ;xdltaf6 to
ug'{ kg]{5 .
-3_ Pp6f aLdf cjlwsf] nflu pQm cjlwsf] z'?df v08 -v_ jf -u_ adf]lhd lgwf{/0f ePsf]
3f]lift d"NonfO{ g} ;jf/L ;fwgsf]] ahf/ d"No dflgg]5 / ;f] cjlw leqsf] k"0f{ Iflt jf nlIft
k"0f{ Iflt -sG:6«S6Le 6f]6n n;_ bfjLdf yk x|f; s§L ul/g] 5}g .
-ª_ k|s/0f ! adf]lhdsf] sf/0faf6 Iflt÷xflg–gf]S;fgL ePsf] ;jf/L ;fwgsf]] dd{t ug{ nfUg] vr{
3f]lift d"Nosf] krxQ/ k|ltzt eGbf al9 x'g] ePdf nlIft k"0f{ Iflt ePsf] dflgg]5 .
9= k|s/0f ! adf]lhdsf] sf/0faf6 k"0f{ Iflt jf nlIft k"0f{ Iflt ePsf] ;jf/L ;fwgsf] Ifltk"lt{ aLdsn]
e'QmfgL lbg]5 . o:tf] e'QmfgL k|bfg ubf{ clgjfo{ clws jf :j]lR5s clws s§L ul/g] 5}g . aLds /
aLldtsf] lnlvt ;xdtLaf6 /2L -;fNj]h_ sf] d"No sfod ul/g]5 .
kl/R5]b –@
t]>f] kIf k|ltsf] bfloTj
1= aLdsn] aLdfn]vdf pNn]lvt clwstd bfloTjsf] ;Ldfsf] cwLgdf /xL ;jf/L ;fwg jf ;f]sf]
k|of]uaf6 ePsf] b'3{6gfsf] sf/0faf6 aLldtnfO{ b]xfosf] cj:yfdf kg{ ;Sg] bfloTj afktsf vr{x?
;d]tsf]] e'QmfgL ug]{5 M
-s_ ;jf/L ;fwgsf] sf/0faf6 jf o;df sfd ubf{ -ef/L nfbg] tyf ptfg]{ sfd
;d]t_ t]>f] kIfsf] d[To' ePsf], c+u eË ePsf], zfl//Ls rf]6k6s nfUg uPsf] cj:yfdf,
-v_ ;jf/L ;fwgsf] k|of]u -ef/L nfb\g] jf ptfg]{ sfd ;d]t_ af6 t]>f] kIfsf]
;DklQsf] Iflt÷xflg–gf]S;fgL ePsf] cj:yfdf
t/–
-c_ 9'jfgL sfo{sf] l;nl;nfdf ;jf/L ;fwgdf ;fdfg nfb\g] sfdsf] nflu ;jf/L ;fwgdf nfbg]
sfo{ z'? x'g' cufj} ;fdfgsf] ef/L cf];fbf{ jf ;f] ;fdfgsf] ef/L ptf/L ;s]kl5 ;f] 7fpFaf6
n}hfg] sfdsf] sf/0faf6 36\g uPsf] 36gfn] s'g} JolQmsf] d[To' ePdf jf zf/Ll/s rf]6k6s
nfu]df aLds pQ/bfoL x'g] 5}g .
-cf_ aLldtsf] sfdsf] l;nl;nfdf sfo{/t aLldtsf s'g} sfdbf/sf] d[To' ePdf jf lghnfO{
zf/Ll/s rf]6k6s nfu]df aLds pQ/bfoL x'g] 5}g t/, bfjL nfu" x'g ;Sg] 36gf 36]sf]
a]nfdf aLldtsf] sfdbf/ jfx]s /f]huf/Lsf] sfd jf ;f]sf] l;nl;nfdf ;jf/L ;fwgdf ePsf
s'g} klg JolQmx?sf] xsdf aLdsn] Ifltk"lt{ k|bfg ug]{5 .
-O_ aLldtsf] jf lghsf] kl/jf/sf] ;b:osf] :jfldTjdf jf lhDdfdf jf lgoGq0fdf /x]sf] jf lghsf]
;jf/L ;fwgaf6 9'jfgL ubf{ ePsf] ;DklQsf] xflg–gf]S;fgLsf] Iflt ;DaGwdf aLdssf] bfloTj
x'g] 5}g .
-O{_ ;jf/L ;fwgsf] k|of]u jf ;f]sf] ef/ tyf sDkgjf6 s'g} k'n k'n];f] jf ;jf/L ;fwg hf]Vg] oGq
jf s'g} ;8s jf ;f] d'GtL/ /x]sf] j:t'sf] Ifltsf] ;DaGwdf aLdssf] bfloTj x'g] 5}g .
-p_ ;jf/L ;fwgaf6 lg:s]sf] cfuf]sf] lemNsf jf v/fgLsf] sf/0faf6 ePsf]] s'g} ;DklQsf] xflg
gf]S;fgLsf] ;DaGwdf aLds pQ/bfoL x'g] 5}g .
-u_ aLldtsf] ;jf/L ;fwgdf 9'jfgL/t\ jf aLldtsf] :jfldTjdf /x]sf] jf aLldtnfO{
ljZjf;;fy /fVg lbPsf] jf aLldtsf] lhDdfdf jf aLldtsf] lgoGq0fdf /x]sf] ;DklQsf] Iflt
afx]s cGo t]>f] kIfsf] ;DklQsf] Iflt÷xflg–gf]S;fgL ePsf] cj:yfdf .
2= aLdsn] lnlvt :jLs[lt k|bfg u/]sf] ;Dk"0f{ vr{x?sf] e'QmfgL lbg]5 .
3= o; kl/R5]b cGtu{t aLldtnfO{ k|bfg ul/g] bfloTjsf] ;Ldf tyf zt{x? cg'?k aLdsn] b]xfosf]
cj:yfdf aLldtsf] ;fwf/0f hfgsf/L jf ;xdtLn] ;jf/L ;fwgsf]] rnfO/x]sf] rfnssf] bfloTjsf]
klg Ifltk"lt{ k|bfg ug]{5 M
-s_ rfns s'g} cGo aLdfn]v cGtu{t Ifltk"lt{sf] nflu xsbf/ gePdf,
-v_ rfnsn] aLldtn] h:t} o; aLdfn]v cGtu{t nfu" x'g ;Sg];Ddsf] zAbsf] dd{, ckjfb / zt{x?
cg'?k sfd u/]df .
4= aLdsn] rfx]df o; kl/R5]b cGtu{t bfjL kg{ ;Sg] s'g} d[To' jf c+ueË jf zfl//Ls rf]6k6s jf s'g}
;DklQsf] Ifltsf] ;DaGwdf cg';Gwfg jf ;f]wk'5sf] nflu k|ltlglwTjsf] Joj:yf ug{ ;Sg]5 ;fy} o;
kl/R5]b cGtu{t bfjL kg{ ;Sg] vfnsf] s'g} sfo{ jf sf/afxLaf6 ;[lht jf ;+alGwt s'g} 36gfsf]
;DaGwdf cbfntdf k|lt/Iffsf] nflu sf/afxL ug{ ;Sg]5 .
5= o; kl/R5]b cGtu{t bfjL kg{ ;Sg] s'g} t]>f] kIfsf] d[To' ePsf] c+ue+u ePsf] zf/Ll/s rf]6k6s
nfu]sf] ;DaGWfdf o; aLdfn]vdf tf]lsPsf] bfloTjsf] ;Ldf tyf zt{ cg'?k aLldtn] Joxf]g'{ kg]{ o:tf]
bfloTjsf] e'QmfgL lgh jf lghsf] d[To' ePsf] cj:yfdf d[tssf]] glhssf] xsjfnfnfO{ aLdsn] k|bfg
ug]{5 . To:tf] xsjfnfn] aLldt ;/x o; aLdfn]vsf zt{x? kfngf ug'{ kg]{5 .
6= o; aLdfn]vsf] s'g} k|fjwfg jf aGb]hn] ;jf/L tyf oftfoft ;DaGwL k|rlnt sfg"g cGtu{t Joj:yf
ul/Psf] Ifltk"lt{ /sd k|fKt ug]{ s'g} JolQmsf] clwsf/df k|lts'n c;/ kfg]{ 5}g .
7= ;jf/L ;fwg b'3{6gfaf6 b]xfo adf]lhd ePsf] cj:yfdf b]xfo adf]lhdsf] Ifltk"lt{ /sd aLdsn]
e'QmfgL lbg]5 .
-s_ rf]6k6s jf c+ue+u ePdf M t]>f] kIfnfO{ rf]6k6s nfu]df, c+ue+u ePdf jf cf}ifwf]krf/ vr{
ePdf lrlsT;ssf] k|ltj]bgsf] cfwf/df clwsf/ k|fKt lgsfo jf clwsf/Ln] k|dfl0ft u/]sf]
b]xfosf] cj:yfdf aLdsn] k|lt JolQm b]xfo adf]lhd Ifltk"lt{ k|bfg ug]{5 M
Ifltsf] ljj/0f Ifltk"lt{sf] /sd ¿=
k"0f{ :yfoL czQmtf ePdf kfFr nfv
lgsf] gx'g] u/L b'j} cfFvfsf] b[li6 Iflt ePdf kfFr nfv
b'j} xftsf] gf8L jf b'j} v'§fsf] uf]nL ufF7f]sf] hf]lg{ jf ;f] eGbf dfly kfFr nfv
b]lv zfl//Ls ?kn] sfd gnfUg] ePdf
Pp6f xftsf] gf8L jf Pp6f v'§fsf] uf]nL ufF7f]sf] hf]gL{ jf ;f] eGbf kfFr nfv
dfly b]lv / Pp6f cfFvfsf] b[li6 k"0f{ ?kn] Iflt ePdf
Pp6f cfFvfsf] b[li6 k"0f{ ?kn] Iflt ePdf b'O{ nfv krf; xhf/
Pp6f xftsf] gf8L jf Pp6f v'§fsf] uf]nL ufF7f]sf] hf]gL{ jf ;f] eGbf b'O{ nfv krf; xhf/
dfly b]lv zfl//Ls ?kn] sfd gnfUg] u/L Iflt ePdf
cGo s'g} c+u e+u ePdf -zf/Ll/s Ifltsf] ;DalGwt laz]if1n] lgwf{/0f zf/Ll/s Ifltsf] ;dfg'kflts x'g] u/L
u/]sf] dfqfsf] cfwf/df_ kfFr nfvsf] k|ltzt
;jf/L ;fwg b'3{6gfsf] k|ToIf tyf Ps dfq kl/0ffd :j?k ePsf] b'O{ nfvsf] xbdf ga9\g] u/L
cf}ifwf]krf/ vr{ cfjZos tyf jf:tljs vr{
dfly plNnlvt Ifltx? dWo] Ps eGbf al9 Iflt ePdf aLdssf] bfloTj kfFr nfv ?k}ofFdf ga9\g] u/L
k|To]s Ifltsf] nflu lgwf{l/t /sdsf] of]ukmn a/fj/ x'g]5 .
-v_ s'?jf tyf ljljw vr{ M ;jf/L ;fwg b'3{6gfaf6 t]>f] kIf 3fOt] eO{ pkrf/sf] nflu c:ktfndf
egf{ ePsf] k|dfl0ft ePdf To:tf] cjlwsf] nflu k|lt lbg kfFr ;o ?k}ofFsf] b/n] al9df tL; lbgsf]
s'?jf nufot ljljw vr{ aLdsn] e'QmfgL lbg]5 .
-u_ s[ofvr{ M;jf/L ;fwgsf] uNtL ePsf] jf gePsf] h'g;'s} cj:yfdf ;jf/L ;fwgsf] k|ToIf ;+nUgtf
/x]sf] b'3{6gfaf6 s'g} t]>f] kIfsf] d[To' ePdf s[ofvr{ afkt k|lt d[ts kRrL; xhf/ ?k}ofF aLdsn]
tTsfn e'QmfgL lbg]5 .
-3_ d[To' ePdf M ;jf/L ;fwg b'3{6gfaf6 t]>f] kIfsf] d[To' ePsf] Aoxf]/f sfg"g adf]lhd clwsf/ k|fKt
lgsfo jf clwsf/Laf6 k|dfl0ft ePsf] cj:yfdf s[of vr{ ;d]t k|lt d[ts hDdf kfFr nfv ?k}ofFsf]
b/n] aLdsn] e'QmfgL lbg]5 . o;sf] cltl/Qm ;jf/L ;fwg b'3{6gfaf6 3fOt] eO{ cf}ifwf]krf/ ubf{ ub}{
t]>f] kIfsf] d[To' ePdf k|lt d[ts b'O{ nfv ?k}ofFsf] xbdf ga9\g] u/L cfjZos tyf jf:tljs
cf}ifwf]krf/ vr{ ;d]t aLdsn] e'QmfgL lbg]5 .
8= k|s/0f & sf] Joj:yf adf]lhd aLdsn] k|bfg ug]{ Ifltk"lt{sf] clwstd xb -cf}ifwf]krf/ vr{ afx]s_
k|lt JolQm hDdf kfFr nfv ?k}ofFeGbf al9 x'g] 5}g / ;f]lx xb leq s'?jf vr{ ;dfj]z x'g]5 .
9= k|s/0f & cGtu{t aLdsn] k|bfg ug]{ Ifltk"lt{sf] clwstd ;Ldf k|lt b'3{6gf krf; nfv ?k}ofF x'g]5 .
10= ;jf/L ;fwg b'3{6gfaf6 t]>f] kIfsf] ;DklQsf] gf]S;fgL ePdf aLdfn]vsf] zt{sf] clwgdf /xL
aLdsn] Ifltk"lt{ /sd e'QmfgL lbg]5 . o;/L e'QmfgL k|bfg ubf{ x|f; s§L ul/g] 5}g .
11= k|s/0f !) cGtu{t aLdsn] k|bfg ug]{ Ifltk"lt{sf] clwstd xb k|lt b'3{6gf krf; nfv ?k}ofF x'g]5 .
12= o; kl/R5]b cGtu{t aLdsn] Ifltk"lt{ k|bfg ubf{ o; aLdfn]vsf] tflnsfdf pNn]v ePsf] clgjfo{
clws / :j]R5Ls clws s§L ul/g] 5}g .
13= o; kl/R5]b cGtu{t Ps eGbf al9 JolQm jf ;DklQx?sf] Iflt ePsf] s'g} b'3{6gfsf] Ifltk"lt{sf]
;DaGwdf k|s/0f ( / !! df tf]lsPsf] bfloTjsf] ;Ldf / o; aLdfn]vsf] zt{ tyf ;Dk'li6sf]
clwgdf /lx aLldtn] tf]lslbPsf] k|fyldstf adf]lhd aLdsn] Ifltk"lt{ /sd e'Qmfg ug]{5 .

kl/R5]b –#
lalu|Psf] cGo ;jf/L ;fwg tfGbfsf] Ifltk"lt{sf] ;Ldf
o; aLdfn]vn] /Iffj/0f u/]sf] ;jf/L ;fwgn] cGo lalu|Psf] ;jf/L ;fwg tfgL NofpFbf÷To:tf] tfGg]
sfdsf] l;nl;nfdf o; aLdfn]vn] /Iffj/0f u/]sf] ;jf/L ;fwg xflg–gf]S;fgL x'g uPdf o; aLdfn]vsf]
zt{ tyf ;Ldfsf] cwLgdf /xL ;f]sf] Ifltk"lt{sf] nflu aLds pQ/bfoL x'g]5 .
t/ – -!_ To:tf] tfGg] sfd ef8f glnO{ u/]sf] x'g' kg]{5 .
-@_ To;/L tflgPsf] ;jf/L ;fwg jf ;f]df /x]sf dfn;fdfgsf] Ifltsf] ;DaGWfdf aLds
pQ/bfoL x'g] 5}g .
kl/R5]b –$
bfjL gu/]sf] cj:yfdf x'g] 5"6
!= o; aLdfn]v cGtu{t s'g} aLdf bfjL gu/]sf] cj:yfdf aLdfn]v gjLs/0f u/fpFbf aLdsn] gjLs/0f
aLdfz'Ns -hf]lvd ;d"x / JolQmut b'3{6gf ;DaGwL aLdf afx]s_ df b]xfo adf]lhdsf] 5"6 lbg]5 M
aLdf bfjL gu/]sf] cjlw 5"6
gjLs/0f ug'{ eGbf cufl8sf] Ps jif{ kGw| k|ltzt
gjLs/0f ug'{ eGbf cufl8sf nuftf/ b'O{ jif{x? kRrL; k|ltzt
gjLs/0f ug'{ eGbf cufl8sf nuftf/ tLg jf ;f] eGbf al9 jif{x? tL; k|ltzt
@= aLdfn]vsf] cjlw ;dfKt ePsf] tL; lbg leq gjLs/0f u/]df dfq bfjL gu/]sf] cj:yfdf kfpg] 5"6
aLdsn] lbg]5 .
#= o; aLdfn]vsf] tflnsfdf PseGbf al9 ;jf/L ;fwg pNn]v ul/Psf] ePdf To:tf] k|To]s ;jf/L
;fwgsf] leGbf leGb} aLdf u/] ;/x bfjL gu/]sf] cj:yfdf kfOg] 5"6 aLdsn] k|bfg ug{]5 .
$= aLdsn] o; aLdfn]v cGtu{t /x]sf] aLldtsf] aLdf of]Uo lxt jbNg :jLs[lt lbPdf o; kl/R5]b
cGtu{t ;fljssf] aLldtn] kfpg] aLdfz'Ns 5"6 ;'ljwf kl/jlt{t aLldtn] kfpg] 5}g .

kl/R5]b – %
ckjfbx?
-;a} kl/R5]bx?sf] nflu_
!= o; aLdfn]v cGtu{t b]xfosf] cj:yfdf aLdssf] bfloTj /xg] 5}g M
-s_ o; aLdfn]vsf] tflnsfdf plNnlvt ef}uf]lns If]q eGbf aflx/ ePsf] jf 36]sf] s'g} b'3{6gf,
xflg–gf]S;fgL, Iflt jf bfloTj,
-v_ cGo s'g} s/f/ cGtu{t >[hgf ePsf] bfjL,
-u_ ;jf/L ;fwg rf]/L ePsf] cj:yfdf afx]s aLdfn]vsf] tflnsfdf tf]lsP adf]lhdsf] rfns eGbf
km/s JolQmn] ;jf/L ;fwg xfFs]sf] cj:yfdf ePsf] jf 36]sf] b'3{6gf, xflg–gf]S;fgL, Iflt jf
bfloTj,
-3_ cf0fljs ljls/0f jf cf0fljs OGwgsf] Hjng kl5 z]if /x]sf] a]sDdf kbfy{af6 lg:sg]
/]l8of]wld{tf -:jtM hf/L /xg] c0f'sf] ljR5]bgsf] Hjng ;d]t_ sf] ;lqmotfsf] ;+;u{af6 k|ToIf jf
ck|ToIf ?kn] x'g] s'g} xflg–gf]S;fgL,
-ª_ cf0fljs xft–xltof/af6 p7]sf] jf ;f];+u k|ToIf jf ck|ToIf?kdf ;+nUg /x]sf] sf/0faf6 ePsf] jf
36]sf] b'3{6gf, Iflt÷xflg–gf]S;fgL jf >[lht bfloTj,
-r_ Hjfnfd'vL lj:kmf]6g, ljb]zL zq'tfk"0f{ sfo{, b'ZdgL jf n8fO{ h:tf] sfo{ -n8fO{sf] 3f]if0ff x'g'
cufl8 jf k5fl8_, u[x o'4, ;}lgs lab|f]x, ;}lgs zf;g jf plNnlvt 36gfx?sf] k|ToIf kl/0ffd;+u
k|ToIf jf ck|ToIf, glhs jf 6f9fsf] sf/0faf6 ePsf] jf ;f+s]lts ?kdf pTkGg ePsf] jf ;+nUg
/x]sf] s'g} b'3{6gf, Iflt÷xflg–gf]S;fgL jf bfloTj .
@= o; aLdfn]vn] /Iffj/0f u/]sf] ;jf/L ;fwg b'3{6gfsf] kl/0ffd:j?k >[hgf ePsf] Iflt
-slG;Sj]lG;on n;_ k|lt aLdssf] s'g} bfloTj /xg] 5}g .
#= tf]lsPsf] yk aLdfz'Ns aLldtn] e'QmfgL u/]sf] cfwf/df aLdsn] o; aLdfn]vsf] lj:tf/sf] ?kdf
x'nb+uf, x8\tfn, å]ifk"0f{ sfo{ tyf cft+ssf/L÷ljWj+zsf/L sfo{ ;DaGwL ;Dk'li6x? hf/L gu/] ;Dd
x'nb+uf, x8\tfn, å]ifk"0f{ sfo{ jf cft+ssf/L÷laWj+zsf/L sfo{af6 ePsf] jf 36]sf] b'3{6gf, Iflt÷ xflg–
gf]S;fgL jf bfloTj aLdsn] Joxf]g]{ 5}g .

kl/R5]b – ^
zt{x?
1= o; aLdfn]vsf] s'g} efudf k|of]u x'g] ljz]if cy{ ;lxtsf] zAb jf jfSof++zsf] cy{ hxfF h'g
cj:yfdf k|of]u x'G5 ToxL dfGo x'g]5 .
2= o; aLdfn]v cGtu{t bfjL of]Uo s'g} b'3{6gf jf Iflt÷xflg–gf]S;fgL ePdf ;f]sf] ;"rgf lnlvt
?kdf cljnDj aLdsnfO{ lbg' kg]{5 . To:tf] b'3{6gf af/] aLldtn] aLdsnfO{ cfjZos kg]{ ;Dk"0f{
hfgsf/L tyf ;xof]u pknAw u/fpg' kg]{5 . To:tf] b'3{6gf;+u ;DalGwt kq, bfjL, Dofb, ;dfXjfg
-l/6_ jf k|lqmof ;DaGwL hfgsf/L cflb aLldtnfO{ k|fKt x'g] lalQs} aLdsnfO{ x:tfGt/0f ug'{
kg]{5 . o; aLdfn]v cGtu{t bfjL ug{ ;lsg] s'g} d'2f dfldnf, cg';Gwfg jf 3fpm÷rf]]6k6s
-ˆof6n OGh'/L_ sf] hfFra'´ ;DaGwdf aLldtnfO{ s'g} hfgsf/L ePdf t'?Gt aLdsnfO{ lnlvt
hfgsf/L lbg' kg]{5 . o; aLdfn]v cGtu{t bfjL ug{ ;lsg] s'g} rf]/L jf cGo kmf}}hbf/L s;"/sf]]
;DaGwdf aLldtn] aLds tyf k|x/LnfO{ t'?Gt ;"rgf ug'{ kg]{5 / ck/fwL kQf nufpg ;xof]u ug'{
kg]{5 .
3= aLdssf] lnlvt cg'dlt glnO{ aLldt jf aLldtsf] tkm{af6 s'g} klg JolQmn] o; aLdfn]v
cGtu{tsf] bfjL ;DaGwdf s'g} k|:tfj /fVg, k|lt1f ug{, e'QmfgL lng÷lbg jf 5"6 lbg ;Sg] 5}g .
aLdsn] bfjLsf ;DaGwdf aLldtsf] tkm{af6 bfjL e'QmfgL ug{, ljjfb ;dfwfg ug{, k|lt/Iff ug{,
sf/jfxL rnfpg jf jx; k}/jL ug{ rfx]df aLds k"0f{ :jtGq /xg] 5 / aLldtn] o; ;DaGwL ;a}
;"rgf / ;xof]u aLdsn] dfu] adf]lhd k|bfg ug'{ kg]{5 .
4= aLdssf] /f]hfO cg';f/ ;jf/L ;fwg jf ;f]df hl8t kf6{k"hf{ jf o;sf] s'g} efu jf kf6{k"hf{sf]
dd{t, abnL jf gofF egf{ lbg jf Iflt÷xflg–gf]S;fgL a/fa/sf] gub /sd e'Qmfg ug{ ;Sg]5 .
5= aLldtn] ;jf/L ;fwgnfO{ Iflt÷xflg–gf]S;fgL x'gaf6 ;'/lIft /fVg / 7Ls cj:yfdf sfod /fVg
;Dk"0f{ dgfl;a sbd ckgfpg' kg]{5 . ;jf/L ;fwg jf ;f]sf] s'g} kf6{k"hf{ jf rfns jf aLldtsf]
s'g} sfdbf/sf] ljifodf hfFr ug{] clwsf/ aLdsnfO{ ;b}j /xg]5 . aLldtn] b'3{6gf jf Iflt ePsf]
cj:yfdf ;jf/L ;fwgnfO{ yk Iflt÷xflg–gf]S;fgL x'gaf6 hf]ufpg cfjZos tyf plrt x]/rfx /
;'/Iffsf] pkfo ckgfpg' kg]{5 . b'3{6gf ePsf] ;jf/L ;fwg cfjZos dd{t gu/L rnfPsf] kl/0ffd
:j?k ;jf/L ;fwgdf ePsf] yk Ifltsf] nflu aLldt :jo+ lhDd]jf/ x'g]5 .
6= aLdsn] aLldtsf] clGtd 7]ufgfdf x'nfsaf6 /lhi6«L u/L k7fPsf] ;ft lbgsf] ;"rgfåf/f of]
aLdfn]v vf/]h ug{ ;Sg]5 / o; cj:yfdf aLdsn] aLldtnfO{ of] aLdfn]v vf/]h ePsf] ldltn]
afFsL cjlwsf] ;dfg'kflts aLdfz'Ns lkmtf{ ug]{5 .
7= aLldtsf] cg'/f]wdf s'g} klg ;dodf aLdfn]v /2 ug{ ;lsg]5 . o; cj:yfdf aLdfn]v sfod
/x]sf] cjlwsf] lgldQ b]xfo adf]lhdsf] 5f]6f] cjlwsf] b/n] x'g cfpg] aLdfz'Ns /sd s§L u/L
afFsL aLdfz'Ns aLdsn] lkmtf{ ug]{5 .
cjlw jflif{s aLdf z'Nssf] k|ltzt
-s_ Ps xKtf;Dd bz k|ltzt
-v_ Ps dlxgf;Dd aL; k|ltzt
-u_ b'O{ dlxgf;Dd tL; k|ltzt
-3_ tLg dlxgf;Dd rfnL; k|ltzt
-ª_ rf/ dlxgf;Dd krf; k|ltzt
-r_ kfFr dlxgf;Dd ;f¶L k|ltzt
-5_ 5 dlxgf;Dd ;Q/L k|ltzt
-h_ ;ft dlxgf;Dd c:;L k|ltzt
-em_ cf7 dlxgf;Dd gAa] k|ltzt
-`_ cf7 dlxgf eGbf al9sf] nflu ;t k|ltzt
t/ aLdfz'Ns lkmtf{ x'g] k|of]hgsf] nflu aLdfn]v jxfn /x]sf] cjlwe/ s'g} bfjL gePsf] x'g' kg]{5 .
8= o; aLdfn]vn] /Iffj/0f u/]sf] Iflt÷xflg–gf]S;fgL÷bfloTjsf] nflu aLldtn] cGo k|rlnt aLdfaf6
bfjL e'QmfgL kfpg] cj:yfdf Iflt÷xflg–gf]S;fgL÷bfloTjsf] Ifltk"lt{ /sd jf cGo vr{sf]
;dfg'kflts d"NoeGbf al9 e'Qmfg ug{ aLds afWo x'g] 5}g .
9= ;jf/L ;fwgsf] Iflt÷xflg–gf]S;fgL ePsf] cj:yfdf aLldt jf c? s'g} JolQmn] ;f]xL ;jf/L ;fwg
c? aLds;+u klg aLdf u/fPsf] /x]5 eg] aLdsn] ;f] ;jf/L ;fwgsf] nflu Iflt÷xflg–gf]S;fgLsf]
;dfg'kflts ?kn] lbg' kg]{ Ifltk"lt{ eGbf al9 lbg] 5}g .
10= o; aLdfn]vsf] tflnsfdf aLdf cjlw ;dfKt x'g] elg pNn]v ePsf] ldltdf :yflgo ;do cg';f/
/ftsf] afx| ah] o; aLdfn]vsf] cjlw ;dfKt x'g]5 .
11= o; aLdfn]v cGtu{t hf]lvd axg ug{ z'? u/]sf] ldlt / ;do aLdfn]vsf] tflnsfdf pNn]v eP
jdf]lhd x'g]5 .
12= ;jf/L ;fwgsf] af/]df aLldtn] d"ne"t ljj/0f lb+bf em'¶f ljj/0f lbPdf jf hf]lvd cg'dfg ug{sf]
nflu cfjZos kg]{ jf:tljstf n'sfO{ em'¶f ljj/0f pNn]v u/]df jf jf:tljstfsf] pNn]v ubf{ s'g}
j:t'ut tYo 5"6 x'g uPdf jf aLldtaf6 o; aLdfn]vsf] s'g} klg zt{ kfngf gePdf o;
aLdfn]v cGtu{t aLdsn] bfjL e'QmfgL ug]{ 5}g .
13= ;jf/L ;fwgsf] :jfldTj kl/jt{g ePdf To:tf] :jfldTj kl/jt{g ePsf] ldltaf6 ;ft -&_ lbg leq
;jf/L ;fwgsf] gofF wgLn] ;DalGwt hf]lvdsf] aLdf gu/]df of] aLdfn]v :jtM lgliqmo x'g]5 .
;jf/L ;fwgsf] :jfldTjdf kl/jt{g cfPsf] sf/0fn] aLdfn]v lgliqmo ePtf klg ofqL, rfns tyf
t]>f] kIf k|ltsf] bfloTjsf] nflu afFsL aLdf cjlwe/ aLdf ;'/Iff sfod} /x]sf] dflgg]5 / ;f]xL
adf]lhd aLdsn] bfjL e'QmfgL ug]{5 .
14= aLldtn] ;jf/L ;fwg laqmL u/]sf] ldltn] ;ft lbgleq aLdsnfO{ To;sf] lnlvt ;"rgf lbPdf
aLdsn] b]xfo adf]lhd x'g] u/L ;jf/L ;fwgsf] gofF wgLsf] gfddf of] aLdfn]v gfd;f/L ul/lbg
;Sg]5 .
-s_ aLdfn]v gfd;f/Lsf] nflu ;jf/L ;fwgsf] gofFwgLn] oyflzw| aLDff k|:tfj kmf/fd eg'{ kg]{5 /
aLdsn] ;Dk'li6 hf/L ul/ aLdfn]v gfd;f/L ul/lbg ;Sg]5 .
-v_ aLldtn]] bfjL gu/] afkt kfpg] 5"6 kfPsf]df ;f] 5"6 ;jf/L ;fwgsf] gofF wgLn] kfpg] 5}g .
-u_ v08 -s_ / -v_ df h'g;'s} s'/f n]lvPsf] ePtf klg k|rlnt sfg"g adf]lhd pQ/flwsf/Ldf
:jfldTj :jtM x:tfGt/0f eO{ cfPsf] cj:yfdf of] aLdfn]v :jtM x:tfGt/0f ePsf] dflgg]5 .
15= aLdssf] tkm{af6 ;xL 5fk ePsf] /l;b hf/L geP;Dd aLdfz'Ns e'Qmfg ePsf]] dflgg] 5}g .
16= aLldt jf lghsf] tkm{af6 clwsf/ k|fKt JolQmn] cfjZos /Lt gk'¥ofPdf jf of] aLdfn]v
cGtu{tsf] s'g} clwsf/ k|of]u ug{df afwf k'–ofPdf of] aLdfn]v cGtu{tsf] ;a} nfeaf6 aLldt
a+lrt x'g]5 .
17= s'g} bfjL hfn;fhLk"0f{ ePdf jf bfjLsf] l;nl;nfdf em'¶f aofg lbO{ aLldtn] jf lghsf] tkm{af6
sfd ug]{ clwsf/ k|fKt s'g} JolQmn] of] aLdfn]v cGtu{t s'g} cg'lrt nfe p7fpg vf]h]df jf hfgL
hfgL aLldt–aLldt jf cGo s'g} JolQmsf] ldn]dtf]df s'g} Iflt÷xflg–gf]S;fgLsf] 36gf 36fPdf
aLldt of] aLdfn]v cGtu{tsf] ;a} nfeaf6 a+lrt x'g]5 .
18= of] aLdfn]v cGtu{t Iflt÷xflg–gf]S;fgLsf] bfjL aLdsaf6 c:jLsf/ ePsf] tLg dlxgf leq s'g}
gfln; ph"/ gu/]df jf aLdf P]g, @)$( adf]lhd aLdf ;ldltn] aLdssf] kIfdf lg0f{o lbPsf]
ldltn] k|rlnt sfg"gsf] Dofb leq k"g/fj]bg cbfntdf gfln;÷ph"/ gu/]df aLldt of] aLdfn]v
cGtu{tsf] ;a} nfeaf6 a+lrt x'g]5 .
19= aLldtn] o; aLdfn]v cGtu{t Ifltk"lt{sf] e'QmfgL k|fKt ubf{ ;f] Iflt÷xflg–gf]S;fgLsf] cGo s'g}
kIfaf6 Ifltk"lt{ k|fKt ug{ ;Sg] /x]5 eg] To:tf] Ifltk"lt{ k|fKt ug]{ clwsf/ aLdsnfO{ ;Dkg' kg]{5 .
aLdsaf6 Ifltk"lt{ kfpg' cufj} jf kl5 h'g;'s} avt klg aLdsn] dgfl;j / cfjZos b]v]sf] sfd
sf/afxL aLdssf] vr{df aLldtn] ug'{ kg]{5 jf ;f] ug{ aLdsnfO{ cg'dlt lbg' kg{]5 .
20= bfjL e'QmfgL k|s[ofdf /x]sf] jf d'NtjL /x]sf] cj:yfdf afx]s Iflt÷xflg–gf]S;fgL ePsf] ldltn]
tLg dlxgf kl5 aLds s'g} klg Iflt÷xflg–gf]S;fgLsf] nflu pQ/bfoL x'g]5}g .
21= of] aLdfn]vsf zt{x? adf]lhd aLdsnfO{ lbOg] k|To]s ;"rgf tyf cGo n]vfk9L lnlvt jf d"lb|t
x'g' kg]{5 .
22= of] aLdfn]v cGtu{t k/]sf] bfjL Plsg ug{ cfjZos k|df0f h'6fpg] bfloTj aLldtsf] x'g]5 .
23= o; aLdfn]v cGtu{t aLdf bfjL ;DaGwL s'g} ljjfb pTkGg ePdf aLdf P]g, @)$( adf]lhd
x'g]5 .
Jofj;flos ;jf/L ;fwg aLdfn]vsf] tflnsf -;]8\o'n_
aLdfn]v g+= M
aLldtsf] M– aLdfn]vsf] lsl;d M
k|:tfjssf] gfd M
gfd y/ M aLdf k|:tfj ePsf] ldlt M
aLdfn]v Hff/L ePsf] :yfg M
7]ufgf M ldlt M
/Iffj/0f ul/Psf hf]lvdx? M
k]zf M hf]lvd jxg ug{ z"? x'g] ldlt M
;do M
aLd aLdf clestf{sf] gfd / Ohfht kq gDa/ M
aLdf cjlw M b]lv ;Dd
nfu" x'g] ef}uf]lns If]q M g]kfn, ef/t, e"6fg, a+unfb]z / aLdfz'Ns
rLgsf] :jzfl;t If]q ltAat ;jf/L ;fwgsf] Iflt÷xflg–gf]S;fgL la?4sf] aLdfsf]– ¿= ========
/l;b g+= M t]>f] kIf k|ltsf] bfloTj aLdfsf] – ¿= ========
/l;bsf] ldlt M ;do M Rffnssf] b'3{6gf aLdfsf] – ¿= =======
rfns afx]s cGo sd{rf/Lx?sf] b'3{6gf aLdfsf]– ¿= ========
ofqLsf] b'3{6gf aLdfsf] – ¿= =======
hf]lvd ;d"x aLdfsf]– ¿= =======
hDdf ¿= =======
l6s6– ¿=========
==== Ü d"No clej[l4 s/– ¿========
s"n aLdfz'Ns– ¿=========
aLdfn]vn] /Iffj/0f u/]sf] ;jf/L ;fwgsf]
OlGhg g+= M ag]sf] jif{ M
Rofl;; g+= M 3g Ifdtf -So"ljs Sofkfl;6L_ M
btf{ g+= M btf{ ldlt M
agfpg] sDkgL M ;/;fdfg jfx]s ;jf/L ;fwgsf] 3f]lift d"No M
agf}6 M ;/;fdfgsf] 3f]lift d"No M
df]8]n M hDdf 3f]lift d"No M
k|of]usf] ;Ldf M
o; aLdfn]v cGtu{t /Iffj/0f ul/Psf] Jofj;flos ;jf/L ;fwg bf}8, k|ltof]lutf, l6sfp k/LIf0f, ult k/LIf0f;+u ;DalGwt s'g}
k|of]hgdf k|of]u ug{ kfOg] 5}g .
rfns M
lgDgdWo] s'g}M– -s_ aLldt :jo+ jf -v_ aLldtsf] cfb]z jf cg'dltn] ;jf/L ;fwg rnfpg] JolQm .
rfns;+u pQm Joj;flos ;jf/L ;fwg rnfpg] cg'dltkq ePsf] / o:tf] cg'dltkq /fVg jf k|fKt ug{ cof]Uo g7xl/Psf]
x'g'kg]{5 .
aLdfz'Nssf] lx;fa M -;+nUg tflnsf jdf]lhd_
clgjfo{ clws M :j]R5Ls clws M
;+nUg ;Dk'i6L gDa/x? M
o; tflnsfdf pNn]v ePsf] k|of]usf] ;Ldf pNn3+g ePdf aLdsn] aLldtnfO{ Ifltk"lt{ lbg]5}g .
aLdssf] tkm{af6 clwsf/ k|fKt clwsf/Lsf] –
b:tvt M
gfd y/ M
5fk M
bhf{ M

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