Agriculture credit_directives

1. Presented by
Tek Raj Joshi

2. lgb]{lzsfsf] cGt/j:t'
 o; s[lif shf{ gLlt tyf sfo{ljlwdf b'O{ efu 5g .
 efu !M s[lif shf{ gLlt @)^(
 efu @M s[lif shf{ sfo{ljlw @)^(
 s[lif shf{ gLltn] /fli6«o jfl0fHo a}+s4f/f shf{ nufgL ug{ cfjZos
gLltut Joj:yf u/]sf]5 eg] s[lif shf{ sfo{ljlwn]pQm gLlt sfof{Gjog
ug{ cfjZosshf{ nufgL k|ls|of ;DjlGw Joj:yf u/]sf]5 .
 s[lif shf{ gLlt /fli6«o jfl0fHo a}+ssf] ;+:yfut p4]Zo 4f/f lgb]{lzt 5
eg] s[lif shf{ sfo{ljlw j}sn] nufgL ug]{ shf{ rqmdf cfwfl/t 5 .

3. s[lif shf{ gLlt
s[lifshf{ Joj:yfkg
s[lifshf{ ;DalGw ljQLogLltut Joj:yf
gLlt ;+;f]wgug]{ ;+jlGwJoj:yf

4. s[lif shf{ Joj:yfkg
 shf{nufgLsfk|of]hgx? Pj+o;sf nlIft;d'xx?,
 shf{u|fxLsf]of]Uotf
 shf{vl/b/ljqmL ug]{Joj:yf
 shf{sf]cjlw Pj+k|sf/
 shf{k|jfx ul/g]pb]Zox?,
 shf{sf]l;df / shf{u|fxLn]Joxf]g{ kg]{ lx:;f
 shf{u|fxLn]shf{ lkmtf{ug]{cjlw,
 shf{sf];'/If0f Pj+shf{ljdf
 shf{cg'udgtyf ;'kl/j]If0f

5. shf{ nufgLsfk|of]hgx?
 Joj;fo;+rfngug{cfjZos l:y/;Dklt,;/;fdfg,a:t'jf;]jf,kl/jxg;fwg,
d]l;g/L,pks/0f/ cGorn ;Dkltcflbvl/b ug{.
 Joj;fo;+rfngug{cfjZos ef}lts;+/rgflgdf{0fug{.
 Joj;fo;+rfngug{a}+sn]:jLs[tu/]sf] k|of]hgsf]nflucfjZoskg]{
;+rfngvr{ cfk"lt{ug{ .
 a}+sn]s[lifshf{nufgLubf{k|fyldstfsfcfwf/dfug{]5 .

6. nlIft ;d'xx?,
 ljlwjtsfg'gL ?kdf btf{ e} ;+rfngdf /x]sf s+DkgLx? h:t}l;ldt
bfloTj ePsf / ;+o'Qm nufgLePsf sDkgLx?
 ljlwjtbtf{ e} ;+rfngdf /x]sf ;xsf/Lx? / s[ifs ;d'xx?
 u|fld0f ljsf; a}+s / n3'shf{ pknJwu/fpg] ljQLo;+:yfx?
 ;d'xut?kdf ;+rflnt s[lif pBd kl/of]hgfx?
 JolQmljz]ifx?

7. shf{ nufgLsf k|fyldstf
 d"No >[+vnfdf cfwfl/tJoj;fox?
 s[lifpTkfbg clea[l4ug]{ Joj;fox?
 :jb]zL dfn;fdfgsf] ;b'kof]u ug]{ Joj;fox?
 sRrf kbfy{ :yflgo :t/d}pknJw x'g] Joj;fox?.
 :yfgLoahf/dfcfwfl/tJoj;fox?
 ef}uf]lnsks]6 If]qsf] ?kdf ljsf;ug{ ;lsg] Joj;fox?

8. shf{ cjlw
 cNksflngshf{M of] shf{a9Ldf @ jif{;Ddsf] x'g]5 .
 dWodsflngshf{M of] shf{ @ jif{eGbf j9L& jif{;Ddsf]
x'g]5 .
 bL3{sflngshf{M of] shf{ & jif{eGbf al9 !% aif{;Ddsf]
x'g]5 .

9. shf{sf k|sf/
 cjlwsshf{
 rfn'k"+hL shf{
 Line of Credit

10. shf{ ;'/If0f Joj:yfM lwtf]
 3/38]/Lx?
 v]tLul//x]sf]hldgx?-l;+lrt,cl;+lrt_
 kl/of]hgf:yn
 a}+ssf]shf{af6vl/b ePsfd]lzg/L,pks/0fPj+ cf}hf/x?
 a}+ssf]shf{jf6vl/b ePsfkl/jxg;fwgx?

11. shf{ ;'/If0f Joj:yfM ljdf
 j}+s åf/f shf{ nufgL ePsf jfnL Pj+ kz'wgx?sf] ;se/ ljdf u/fpg] Joj:yf ul/g]5 .
 :jLs[t shf{sf] k|afx x'g' cl3 shf{u|fxLn]lwtf] jfkt /fv]sf] hUuf afx]ssf]
;Dkltsf] ljdf u/fO{ ljdf z'Ns lt/]sf] /l;b ;+nUg u/L ljdf n]v -Insurance
policy_ a}+sdfk]z ug'{ kg]{5 . ;f] gu/]df a}+s cfkm}n] ljdfu/fO{ lt/]sf]
ljdf z'Ns shf{ lx;fadf r9fpg]5 .
 shf{u|fxLn] ljdfsf] Dofb k'Ug Ps dlxgf cufj} ljdf gljs/0f u/fpg' kg]{5 .
shf{u|fxLn] ;f] gu/]df a}+s cfkm}n] u/fO{ lt/]sf] ljdf z'Ns shf{u|fxLsf]
vftfdf r9fpg]5 .
 o; gLltdf Joj:yf gul/Psf] xsdf ljdf;DjlGw Joj:yf /fli6«o jfl0fHoa}+ssf]shf{
lgb]{lzsf @)^) -;+;f]wg ;lxt_cg';f/ x'g]5 .

12. :jLs[tshf{ k|jfxsf zt{x?
 kl/of]hgfdfshf{u|fxLn] a]xf]g'{ kg]{ :jnfutnufgL e} ;s]sf]
.
 kl/of]hgfdf;+rfngsf nflucfjZos d]lzg cf}hf/jf dfn;fdfgsf
nflushf{u|fxLn] j]xf]g'{ kg]{ /sd cfk"lt{stf{sxf+hDdf
e};s]sf] .
 shf{ td;'sdf tf]s] adf]lhdzt{x? k'/f e};s]sf] .

13. shf{ td;'sdf ;d]l6g' kg]{ s'/fx?
 shf{/sd
 shf{sf]k|of]hg
 shf{sf]zt{
 shf{sf]Jofhb/
 shf{jfktsf]lwtf]sf]ljj/0f
 shf{e'QmfgLtflnsf
 sf/fgfdfsfzt{x?pn+3gePdfj]xf]g'{kg]{xhfgf{x?
 lwtf]lnnfdLJoj:yf

14. shf{ c;'nL Joj:yf
 a}+sn]shf{sf]cg'udg u/L shf{u|fxLn]ltg'{ kg]{ Jofh / ls:tfsf] efvf gfWg'
cufa} t/tfs]tf ug]{5 .
 efvf leq shf{ c;'n pk/ ge} aSof}tf /x]sf] shf{ p7fpg] lhDdf ;DalGw shf{
sf/f]jf/ ug]{ a}+s zfvfsf] x'g]5 .
 sfa'aflx/sf]sf/0fn] shf{u|fxLn] ;dodf shf{ ltg{ g;Sg] cj:yf ePdf pko'Sttf
x]l/ To:tf shf{sf] efvf yk ug{ ;lsg] 5 .
 shf{ /sd ;dodf glt/L efvf gf3L aSof}tf /x]df To:tf aSof}tf /sddf xhf{gf
Jofh nfUg]5 . xhf{gf Jofh b/ a}+sn]tf]s] adf]lhd x'g]5 .
 a}+sn]aSof}tf c;'n pk/sf nflut/tfs]tf ubf{ klg c;'n x'g g;s]df ;'/If0f :j?k
/flvPsf] ;Dklt -lwtf]_ lnnfdljqmL u/L jf cfjZosk/]df sfg"gL sf/jfxL4f/f
;d]t n]gf /sd p7fpg a}+sn]t'?Gt sbd rfNg]5 .

15. s[lif shf{ ;DalGw ljlQo gLlt
Jofhb/ ;+jlGwJoj:yf
If]qut, Pj+Psn u|fxs shf{ l;df,
shf{ / :jnfutcg'kft,
shf{ :jLs[t ug]{clVtof/ k|Tofof]hg;+jlGwJoj:yf

16. Jofh b/ ;+jlGw Joj:yf
 a}+sn]k"+hLahf/dfnfu'e}/x]sf]b/x? tyf g]kfn /fi6«a}+ssf]
lgb]{zg adf]lhd shf{sf]Jofhb/lgwf{/0fug]{5 .
 efvf gf3]sf shf{/sdx?df j}+sn]tf]s] jdf]lhdsf b/n] xhf{gfJofh
nfUg]5 .
 s[lif shf{dfs'g}lsld;sf] ;]jf z'Ns / cGo z'Nsx? nfUg] 5}g .
 s[lif shf{dfclu|de'QmfgLxhf{gfnfUg] 5}g .
 ;fdfGotofj}sn] tf]s]sf] Jofhb/df 5'6lbg] Joj:yf ul/g]5}g .

17. If]qut, Pj+ Psn u|fxs shf{ l;df,
 If]qut nufgLl;dfM g]kfn /fi6«j}+ssf] s ju{sf]Ohfhtk|fKt
;+:yfn] s'g}Ps If]qdf cfkmgf]s"n jf+sL shf{;fk6sf] j9Ldf $)
k|ltzt ;Ddshf{k|jfx ug{;Sg]5 .
 o; k"j{$) k|ltzt eGbf sd l;dftf]lsPsfIf]qx?df eg] ;f]xL jdf]lhd
x'g]5 .
 Psnshf{u|fxLnufgLl;df M g]kfn /fi6«j}+ssf] s ju{sf]Ohfht
k|fKt;+:yfn] cfkmgf]k|fylds k'+hLsf]clwstd #) k|ltzt ;DdPsn
shf{u|fxLnfO{nufgLug{;Sg]5 .

18. shf{ / :jnfutcg'kftM
 cNksflngshf{df / ;f+jf? !) nfv ;Ddsf] shf{df:jnfut@)
k|ltzt / shf{ *) k|ltzt .
 dWosflngshf{df/ ;f+jf? @% nfv ;Ddsf] shf{df:jnfut#)
k|ltzt / shf{ &) k|ltzt .
 bL3{sflngshf{df / ;f+jf? @% nfv eGbfal9sf]shf{df
:jnfut$) k|ltzt / shf{^) k|ltzt .

19. s[lif shf{ gLlt ;+;f]wg
 o; gLltsf] ;+rfns ;ldltn]cfjlws;ldIffug]{, ;+;f]wg ug]{,
JofVofug]{ Pj+ afwfc8sfp k'msfpg] clwsf/ /x]sf5g .
 o; gLltsfbkmfx?dfs'g} c:ki6tf ePdf ;f]sf]JofVof ug]{
clwsf/;+rfns ;ldltdf/xg]5 .

20. s[lif shf{ sfo{ljlw
 shf{{{{{{{rqm ;DjlGwJoj:yf
 shf{ dfuug{ cfpg] ;f]wk'5stf{ ;+u ul/g] ;f]wk'5
 shf{ sf/jfxLk|ls|of
 :jLs[tshf{ k|jfx
 shf{ cg'udg / ;'kl/j]If0f
 shf{ c;"nL Joj:yf

21. shf{{{{{{{rqm
 shf{u|fxL5gf]6 ug{ ul/g] ;f]wk'5
 shf{ sf/jfxLk|ls|ofM shf{sfnflucfj]bg, ljZn]if0f/
l:js[lt
 :jLs[tshf{{{{{{{ k|jfx
 shf{ cg'udg / ;'kl/j]If0f
 shf{ c;"nL

22. ;f]wk'5
 shf{ kfpg cfjZosof]Uotf,
 5fgaLgsf cfwf/x?,
 shf{{{{{{{sfzt{ af/] ;+efJo u|fxsnfO{cjut u/fpg],
 shf{{{{{{{sf]nflu cfj]bsn] k]; ug'{ kg]{ sfuhftx?;DjlGw
Joj:yf/x]sf]5 .

23. shf{ kfpg cfjZos of]Uotf
 JoQmLsf]xsdfM!^ aif{pd]/k'u]sf] /^% jif{pd]/ggf3]sf]g]kfnL
gful/s,a}+ssf]zfvf /x]sf]lhNnfleq/ef}uf]lnssfo{If]qleq:yfO{
?kdfa;f]jf;u/]sf] / hUufhldgePsf].
 sDkgLsf]xsdfMsfg'gLdfGotfk|fKt/ a}+ssf]ef}uf]lnssfo{If]qleq
kl/of]hgf;+rfngug]{ .
 ;xsf/L;+:yf/cw{ ;/sf/L;+:yfsf]xsdfMsfg'gL?kdfbtf{ePsf]/ shf{
sf/f]jf/sfnflucg'dltk|fKt.
 s'g}klgj}+sjfljQLo ;+:yfdfsfnf];"rLdfgk/]sf]JolQm jfkmd{.

24. 5fgaLgsf cfwf/x?
 a}+s;Fusf] ljutsf]shf{ sf/f]jf/sf] l:ylt .
 cGo a}+s / ljlQo ;+:yfx?;Fusf] ljuttyf ljBdfg shf{{{{{{{ ;+aGwL cg'ej .
 pd]/ -shf{ cfj]bssf] Go"gtd pd]/ a}+sn] tf]s] cg';f/ x'g]5_ / kfl/afl/s
laa/0f .
 Joj;fo ;+rfng ug]{ :yfgsf] pko'Qmtf -pSt :yfgsf] nflu shf{{{{{{{ lbg j}+saf6
/f]Ssf ul/Psf] 5÷5}g_ .
 ;+alGwt Joj;fodf ;+efJo cfj]bss]f / ;+efAo pQ/flwsfl/ sf]cg'ej .
 ;+efJo cfj]bssf] cfˆg} hUuf hldg / ;fwgx?sf] :jfldTjwf/0f u/]sf] -hxfF
Joj;fox? ;+rfng ul/G5_ cjlw/ :jfldTjsf] k|df0f .
 cfDbfgLsf >f]tx? / vr{sf] lsl;dx? .

25. cfj]bsn] k]; ug'{ kg]{ sfuhftx?
 s[lifshf{cfj]bgkq.
 gful/stfsf]k|df0fkqsf]k|ltlnlk/ cfj]bssf]kf;kf]6{;fO{hsf]@
k|ltkmf]6f].
 lwtf];DjlGwsfuhftx?M
 kmd{btf{tyfgljs/0fk|df0fkq.;fem]bf/Lkmd{ePdf
;fem]bf/sf]sj'lnotkq/ laa/0fkq.
 sDkgLsf]xsdfMsDkgLbtf{Pj+gljs/0fk|df0fkqsf]k|ltlnkL,
k|jGwkq/ lgodfjnLsf]k|ltlnkL
 j}s jf6shf{sf/f]jf/ug]{ ;+rfns ;ldltsf]lg0f{osf]k|ltlnkL

26. cfj]bsn] k]; ug'{ kg]{ sfuhftx?
 lgdf{0fsfo{ul/g]eP;f]sf]:jLs[tgS;fPj+nfutOli6d]6 /vl/b
ug'{kg]{ePdfsf]6]zg.
 d'Noclej[l4s/,cfos/j'emfPsf]k|df0fkq.
 s'g} ;/sf/L,cw{ ;/sf/L/u}x|;/sf/L;+:yfx?jf6O{hfhtlng' kg]{
ePdf;DalGwtlgsfosf]O{hfhtkq.
 shf{/sd /p4]Zo v'Ng] u/Ltof/kfl/Psf]Joj;flosof]hgfM
 j}+sn]cfjZos 7fg]sfcGosfuhftx?

27. shf{ cfj]bg kmf/d
 s'n pTkfbgsfo{shf{x?sfnflu-cg';"rL– #_
 s'n pTkfbgsfo{afx]ssf];a}s[lifshf{x?s]fnflu -cg';"rL
– $_

28. cfj]bg ;+u k]z ug‘{ kg]{ ljj/0f
 ?= % nfv b]lv?= !) nfv ;Ddsf] nfluJoj;flosof]hgf
cfjZosgx'g] t/ 3/fo;L/ ;+rfng ul/g] kl/of]hgf;DjlGw
ljj/0f;dfj]zug'{ kg]{ .
 ?= !) nfv b]lv?= @% nfv;Dd ;fwf/0f Joj;flosof]hgf/
 ?= @% nfv eGbf dflylj:t[tJoj;flosof]hgf

29. shf{ sf/jfxL k|ls|of
 shf{{{{{{{k|zf]wg Joj:yf
 shf{sf]cfjlwsjlu{s/0f
 shf{nufgLsf]dfkb08
 shf{ljZn]if0f Joj:yfM
 shf{l:js[lt;+jlGwJoj:yf

30. shf{ cfj]bgsf] k|zf]wg
 kl/of]hgfk|:tfjsf] k|fljlwspko'Qmtf .
 pTkflbtj:t'÷;]jfsf]ahf/ ;+aGwL k|:tfjx?.
 cfj]bssf]Joj:yfksLo;Lksf] kof{Kttf.
 kl/of]hgfsf] jftfj/l0foPj+;fdflhs:jLsfo{tf.
 kl/of]hgfk|:tfjsf] ljlQo;+efJotfsfkIfx? /
 cfj]bssf]shf{{{{{{{r'Stf ug]{ IfdtfcfbL.

31. k|fljlws pko'Qmtf
 kl/of]gf:ynsf]pko'Qmtf
 pTkfbgIfdtf
 k|ljlwsf]pknJwtf/pko'Qmtf
 pTkfbgk|s[ofsf]k"0f{tf
 sf/vfgfsf]lgldQcfjZoskg]{hUuf,ejg/uf]bfdsf]pknJwtf
 d]lzg/Ltyfpks/0fsf]pknJwtf/cfk"lt{Joj:yf
 sRrf kbfy{sf]cfk"lt{Joj:yf
 ;'lawfx?sf]plrtJoj:yf
 k|fljlwshgzlQmsf]Joj:yf

32. jhfl/s/0fsf] ;DefJotf
 nlIftu|fxsx?sf]klxrfg
 nlIftjhf/
 nlIftjhf/df/x]sfk|lt:klw{x?sf]ljZn]if0f
 pTkfbgul/g]j:t'x?sf]ljz]iftf
 jhfl/s/0fsf]/0fgLlt

33. Joj:yfksLo Ifdtf
 ;+u7gfTds;+/rgf
 Joj:yfklsobIftf
 hgzQmLsf]Joj:yf

34. jftfj/l0fo Pj+ ;fdflhs k|efj
 kl/of]hgfsf]:yfkgf/;+rfngjf6:yflgo jftfj/0fdfkg{;Sg]
gsf/fTdsk|efjsf]cWoogsf;fy]} g]kfn;/sf/n]dfkb08lgwf{/0f
u/]sf] cj:yfdf;f]dfkb08leq/xg]u/LdfqcfjZos sfo{jfxL ug'{
kg]{5.

35. ljQLo ;+efJotf
 kl/of]hgfdfnfUg]k‘+'hLutnfutcg'dfg
 l:y/ k'hLsf]cg'dfg
 rfn'k'hLsf]cg'dfg
 ;+rfngvr{sf]cg'dfg
 l:y/ vr{sf]lx;fj
 kl/jt{gLovr{sf]lx;fj
 ljs|Ljf6 x'g]cfDbfgLsf] cg'dfg
 kl/of]hgfjf6k|fKt x'g]d'gfkmf

36. shf{sf] cfjlws jlu{s/0f
 cNksflngMrfn'k'+hLshf{,jfnLpTkfbgshf{cflb .
 dWod sflngMl:y/ k'+hLnufgLx'g] kz' tyf k+IfL kfng shf{,
l;rfO{ ;'ljwfsf]nfluk|bfgul/g] shf{, s[lif cf}hf/,df5f Pj+ls/f
kfngshf{,5f]6f] cjlwdf pTkfbglbg] kmnk"nv]tL, hl8j'l6v]tL,
jfof]Uof; ;+oGq h8fg, n3'tyf ;fgfhnljB'tcfof]hgf, ;f}o{phf{
cflb .
 bL3{sflngMl:y/ k'+hLnufgLx'g]kmnkm"nv]tL, lrof tyf skmL
v]tL, 7'nfhnljB'tcfof]hgfcflb .

37. shf{ nufgLsf] dfkb08
 ;fdfGotofs[lifshf{sf] nflushf{sf]l;dflgwf{/0f
ul/g] 5}g
 t/ jfnLgfnL, t/sf/L v]tL, l;rfO{, df5fkfng, kz' kfng,
;f}o{phf{ h:tfp4]Zox?df? !) nfv eGbfsdsf
kl/of]hgfx?sf]nflu dfkb08 -Norms_ jgfO{ ;f]xL
cfwf/dfshf{ nufgLul/g]5 .

38. shf{ ljZn]if0f
 s"n pTkfbg shf{sfnfluk|zf]wg, ljZn]if0f/ l:js[tkmf/d -
cg';"rL*_ df Joj:yful/Pcg';f/ x'g]5 .
 ?=!) nfv ;Ddsfshf{x?sf]xsdf shf{k|zf]wg, ljZn]if0f/
l:js[tkmf/d -cg';"rL (_ dfJoj:yful/Pcg';f/ x'g]5 .
 ?=!) nfv eGbf j9Lsfshf{sf]xsdfshf{ k|zf]wg, ljZn]if0f/
l:js[tkmf/d -cg';"rL !)_df Joj:yful/Pjdf]lhdJoj;flos
of]hgfsf]ljZn]if0ful/g]5 .

39. ;/lns[t ljZn]if0f
 s"npTkfbgshf{sfnflu k|zf]wg,ljZn]if0f/l:js[tkmf/d-
cg';"rL-*_dfJoj:yful/Pcg';f/x'g]5 .
 ?=!) nfv;Ddsfshf{x?sf]xsdfshf{k|zf]wg,ljZn]if0f/ l:js[t
kmf/d-cg';"rL-(_dfJoj:yful/P cg';f/x'g]5 .
 ?=!) nfveGbfj9Lsfshf{sf]xsdfshf{k|zf]wg,ljZn]if0f/ l:js[t
kmf/d-cg';"rL- !)_ dfJoj:yful/Pjdf]lhdJoj;flosof]hgfsf]
ljZn]if0ful/g]5.

40. c;n lwtf]sf ljz]iftfx?
 l:y/ / ;lhn};+u d"No cg'dfg ug{ ;lsg] .
 tTsfn}ljs|Lu/L shf{ c;'n pk/ ug{ ;lsg] .
 cGos'g} JoQmL jf;+:yfsf] cu|flwsf/gePsf] .
 :jfldTjx:tfGt/0f;lhn} x'g ;Sg] .
 ;'/lIft / ljjfb/lxt :jfldTjsf]hUufwgL k|df0fk'hf{ jf
:jfldTjsf]lnvtePsf] .

41. lwtf] d'Nof+sg cVtLof/L
 ?= !% nfv;Dd shf{nufgLug{ cfjZos x'g] lwtf];'/If0fsf]
d"Nof+sg tkl;njdf]lhdzfvf tyf If]qLo :tl/oshf{;ldlt jf6 ug{
;lsg]5 .
 u, 3 / 8 ju{sf zfvf sfof{nox? -? % nfv ;Ddsf] shf{ nufgLsf nflu
 s / v ju{sf zfvf sfof{nox? - ? !) nfv ;Ddsf] shf{ nufgLsf nflu
 If]qLo sfof{nox? -? !% nfv ;Ddsf] shf{ nufgLsf nflu
 ?= !% nfv eGbf j9L shf{nufgLug{cfjZos x'g] lwtf] ;'/If0fsf]
d'Nof+sgo; a}+ssf] lwtf];'/If0fd"Nof+sglgb]{lzsf @)^$ df
Joo:yf ul/Pjdf]lhd x'g]5 .

42. shf{ ;ldlt
 shf{;DjlGwlg0f{oug{sf]nflua}+ssf]ljleGgsfof{nox?df-zfvf
If]=sf=/s]=sf=_shf{;ldltsf]u7gul/g]5.
 o:tf]shf{;ldltsf]u7gj}+ssf]shf{lgb]{lzsf@)^)-;+;f]wg;lxt_df
ljleGg:t/sfshf{;ldltsfJoj:yful/Pjdf]lhdx'g]5 .
 shf{:jLs[t,c:jLs[t,lwtf],c;'nLcflb;DalGwlg0f{o;j{;Ddtjf6ePsf]
x'g'kg]{5.
 lg0f{odf/foaflemPdf;f];DalGw;Dk'0f{sfuhftx?;lxtdflyNnf]
;ldtLdfk]z ug'{kg]{5/ dflyNnf];ldltsf]lg0f{og}clGtdlg0f{ox'g]5 .

43. shf{ :jLs[tLsf] clVtof/LM
 zfvf sfof{no:t/M
 s]Gb|Lo sfof{non] tf]s]adf]lhd
 If]qLo sfof{no:t/ – k|lt kl/jf/÷kl/of]hgf?= ! s/f]8 ;Dd .
 s]lGb|o sfof{no– k|ltkl/jf/÷kl/of]hgf ?= ! s/f]8 eGbf dfly .

44. shf{ e'QmfgL cjlw
 5f]6f] cjlwsf]shf{ kl/of]hgfsf]k|s[ltx]/L j9Ldf @ jif{
;Ddsf] jgfpg ;lsg]5 . o:tfshf{df;f+jf JofhPsd'i6 c;'n ug'{
kg]{5 .
 dWodcjlwsfshf{x?kl/of]hgfsf] k|s[ltx]/L @ jif{eGbf
j9L& jif{;Ddsf] jgfpg ;lsg]5 .
 nfdf] cjlwsfshf{x?kl/of]hgfsf]k|s[ltx]/L & jif{eGbf
j9L!% jif{;Ddsf] jgfpg ;lsg]5.

45. u|]z cjlw
 kz'kfng,df5fkfng,l;rfO{,jfof]Uof;,n3'hnljB't cflbdfcfDbfgL
z'? x'g] cjlw;Ddcyf{tal9df!aif{;Dd.
 lrof,skmL,kmnkm"nv]tLcflbdfkl/of]hgfsf]k|s[lt x]/L@
b]lv ^ jif{;Dd.
 u|]z cjlwdf;f+jfc;'n u/Lg]5}gt/shf{sf]Aofhq}dfl;s?kdfa}+s
lgodfg';f/a'emfpb}hfg'kg]{5

46. :jLs[tshf{{{{{{{ k|jfx
 shf{ k|jfxug'{ k"j{sf lsofsnfkx?
 shf{{{{{{{ k|jfx /f]Sg;lsg]
 shf{{{{{{{ k|bfg ug]{ k|s[ofutJoj:yf
 shf{ ls:tfdf k|bfg ug]{
 ls:tf k|bfg ug'{ cl3 ul/g] :ynut e|d0f

47. shf{ cg'udg / ;'kl/j]If0f
 shf{cg'udg ug]{Joj:yf
 shf{sf];'kl/j]If0fug]{Joj:yf
 ;'kl/j]If0fsf]clVtof/L/ cjlw
 If]qLosfof{nojf6x'g] ;'kl/j]If0f
 cfsl:ds;'kl/j]If0f
 shf{jlu{s/0fcg';f/;'kl/j]If0fe|d0fsf]Joj:yf
 lgoldt;'kl/j]If0fe|d0f
 pkrf/fTdse|d0f
 d"Nof+sge|d0f

48. shf{ ;'kl/j]If0fsf] p4]Zo
 kl/of]hgfdfk|:tfjul/Padf]lhdsfdePgePsf]olsgug{.
 kl/of]hgfsf]Joj:yfkgdfshf{u|fxLnfO{;Nnfxlbg.
 shf{u|fxLsf]Joj;flos;LknfO{clej[l4u/fpg.
 ljutdfePsf]sfdsf]d"Nof+sgu/Leljiodful/g]sfdsf]of]hgfth'{df
ug]{sfo{dfshf{u|fxLnfO{d2tk'¥ofpg.
 ;+efljt;d:ofkQfnufpg/To;sf];dfwfgvf]Hg.

49. shf{jlu{s/0f cg';f/ ;'kl/j]If0fe|d0fsf]Joj:yf
 ;do ;"lrs/0f
 lgoldt;'kl/j]If0fe|d0f
 pkrf/fTdse|d0f
 d"Nof+sge|d0f

50. shf{ c;"nL
 lgoldtc;'nL
 c;'nL ;ldlt
 :d/0f kq
 s[lifshf{sf] c;'nL sfo{jfxL ;+jlGw Joj:yf

51. Aofhcg'bfg;lxtsf] s[lifshf{sf] pb]Zo
 a9bf]a]/f]huf/L/u|fld0fIf]qaf6o"jfx?knfogx'g] ;d:of nfO{
;Daf]wgug‘.
 o"jfx?nfO{s[lifdfcfslif{tug'‘{.
 /f]huf/L;[hgfug{‘.
 s[lifsf]Aojzflos/0fug{‘.

52. Aofh cg'bfg ;lxtsf]s[lifshf{sf]laz]iftfx?
 g]kfn;/sf/sf]cf=j=@)&!÷&@sf] ah]6af6kf/Ltsfo{qd.
 g]kfn ;/sf/,dlGqk/Lifbsf] ldlt @)&!.)^.@! sf] :jLs[t
sfo{lawLcg'?k;f]xLldltaf6nfu'u/LPsf].
 s]lx ;do kl5 sfo{lalwdf z+;f]wg e} Aoj;flosf] pd]/ xb x6fO{Psf]
.
 /f=jf= a}+sn] sfo{lalw agfO{ tf]lsos} cf=j= af6 sfof{Gjogdf
NofPsf].

53. ========qdzM
 s[ifs Aoj;flo ;+u a9Ldf ^ k|ltzt dfq Aofh lng kfO{g] ;/sf/sf] lgb]{zg
/x]sf] . /f=jf= a}+sn] yk ! k|ltzt sd u/L % k|ltztdf dfq shf{ k|jfx u/]sf] 5
.
 nufgLsf] ef}uf]lns If]qsf] xsdf dxfgu/kfnLsfsf] sfo{If]q afx]ssf] If]qdf
nufgLug{kfO{g].
 xfnsf] Aoj:yfdf Ps afl0fHo a}+sn] a9Ldf ! ca{ / k|lt u|fxs ! s/f]8
;Ddsf]N8:6f]/df# s/f]8;Dd dfqnufgLug{kfpg].
 shf{cjlwclwstd% aif{ ;fjfAofhe'StfgLq}dfl;sx'g] .

54. =======qdzM
pTkfbgd'ns s[lif Aoj;fodf dfq k|bfg u/Lg] of] shf{ k|jfx ug{ ;lsg]
pTkfbgx?o; k|sf//x]sf5g.
! t/sf/LpTkfbg,k|zf]wgtyfe08f/0f.
@ ljpljhgpTkfbg,k|zf]wgtyfe08f/0f.
# k'ikAoj;fo.
$ kz'k+IfLkfng.
% kmnkm'npTkfbg,pTkflbtkmnkm'nsf]k|zf]wgtyfe08f/0f.

55. =======qdzM
^ b'UwpTkfbg,k|zf]wg/ljqmLljt/0f.
& dT:okfng,pTkflbtdf5fsf]e08f/0ftyfljqmLljt/0f.
* RofppTkfbg,k|zf]wgtyfe08f/0f.
( kz'awzfnfPj+df;'hGopTkfbgAoj;fo.
!) hl6a'l8pTkfbg,k|zf]wg/e08f/0f.
!! pv' v]tL,cn}rL v]tLtyfcb'jfv]tL/ To;sf]e08f/0ftyfk|zf]wg.
!@ df}/Lkfng.
!# hf},kmfk/,l;nfdv]lt .
g]kfn;/sf/n];do–;dodfyk u/]sfcGo s[lifAoj;fox?.