The document discusses the Educational Loan Program of Dhulikhel Memorial Foundation Nepal. The key points are: 1. The program aims to provide technical and vocational education loans to underprivileged groups like Dalits, indigenous peoples, women and conflict victims. 2. The loan funds come from sources like the foundation's scholarship fund, poverty alleviation funds, national and international organizations. 3. The program has set targets to enroll 100% marginalized students after class 8, 50% in technical SLC programs and 25% in higher technical courses over the next 5 years. 4. Community participation, decision making and guarantee are ensured to make the program sustainable and help beneficiaries establish self-employment

1. t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd xf
nlIft ju {{ z } lIfs C0f sfo { qmd

2. nlIft ju {{ z } lIfs C0f sfo { qmd
rf w jif b lvsf dbg e08f L d lt k|lti7fgsf cg'ej==
rf}}w jif{{ b]]lvsf]] dbg e08f//L ::d[[lt k|lti7fgsf]] cg'ej===
æcfly { s cj : yf sdhf ]/ ePsf ] u / Lj
kl / jf / sf ] Pp6f JolQmn ] dfq eP klg
lzkd " ns k|fljlws lzIff xfl ; n ug {
; s ] sf ] v08df p ; n ] cfk " mnfO { st } g
st } / f ] huf / L u /]/ jf
cfkmg } Aoj ; fo ;~ rfng u /]/ eP klg
l ;+ uf ]
0f k|lti7fgsf xg ; xg clwsf d'vL sfo qmd xf
kl / jf / sf ] ;/ sf /, vfgkfg lhjg : t /
t//0f k|lti7fgsf ]] /;/ ff]]sf /, , clwsf //d'vL/ sfo {{qmd xf

3. nlIft ju {{ z } lIfs C0f sfo { qmd
lzk / k|ljlw ljgfsf] Aofj;flos C0fsf Kofs]hn] dfq
;fFrf] cy{df j]/f]huf/L 36g / lhjg:t/df ;'wf/ cfpg
;Sb}g eGg] tYo ljut %) jif{ b]lvsf] g]kfnL ljsf;]
ul/jL, j]/f]huf/L] /k|i6 b]vfO{ ;s]df ] cGt./ ;DjlGwt
lzk Ps csf{ sf 5
5g . lzk cg'ejn f]huf/L gkfO{g], /f]huf/L gkfP cfo
geP /
gx'g], cfo geO{ lzk cfh{g ug{ g;lsg] x'gfn] ul/jL
s} sf/0f jx';+Vos dflg;x? lzk / lzIffjf6
jlGrt ePsf] cj:yf 5 . of] hfnf]nfO{ RofTg z}lIfs
sfo{qmd
k|fljlws tyf lzkd"ns e} ul/jL lgjf/0f tkm{ pGd"v
x'g'kb{5.
To; sf/0f dbg e08f/L :d[lt k|lti7fg g]kfnn] nlIft ju{
z}lIfs C0f sfo{qmdsf] cjwf/0ff
cuf8L ;f/L/x]s]f 5 .
t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd xf

4. nlIft ju {{ z } lIfs C0f sfo { qmd
kl of hgf M
kl //of ]]hgf M
k|fljlws lzIff tyf Joj ; flos
tflndsf nflu bnLt , plTkl8t ,
hghftL , åGå kLl8t tyf ul / j
dlxnfx?sf nflu z } lIfs C0f
sfo { qmd
t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd xf

5. nlIft ju {{ z } lIfs C0f sfo { qmd
p2 ZoM
p2 ]]ZoM
 ul/a, blnt, pTkLl8t tyf dlxnfx?nfO{ k|fljlws
tyf lzkd"ns Aofj;flos lzIffdf cWoog C0fsf]
df}sf k|bfgu/L ul/jL Go"gLs/0fdf of]ubfg ug]{
.
 g]kfndf nlIft ju{{sf] nflu cWoog C0fsf]
gofF cjwf/0fnfO{ Aofjxfl/s ?kdf gd'gf :j?k
kl/If0f u/L ;/sf/ tyf cGo ;/f]sf/jfnfx? ljr cg'ej
cfbfg k|bfg u/L Ps /fli6«o gLlt lgdf{0fdf
of]ubfg k'¥ofpg] .
t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd xf

6. nlIft ju {{ z } lIfs C0f sfo { qmd
nIo M
nIo M
k|lti7fgdf cWoog ug{ cfpg] cfly{s cj:yf sDhf]/
ePsf blnt, plTkl8t, hghflt, dlxnf / 4Gb lkl8t
!= sIff * kf; eO{ bzf} sIff plt{0f ePsfx?nfO{
!)) k|ltzt -;tk|ltzt xfl;n_
@= k|fljlws SLC sf] z}lIfs sfo{qmddf %) k|
ltzt -!% k|ltztsf] nIo xfl;n_
#= k|lj0ftf k|df0fkq tx / l8Knf]df z}lIfs
sfo{qmddf @% k|ltzt-!) k|ltzt nIo xfl;n_
pQm k|:tfljt nIonfO{ cfufdL % jif{ leqdf xfl;n
ug{ k|lti7fg lqmoflzn /x]sf] 5 .
t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd xf

7. nlIft ju {{ z } lIfs C0f sfo { qmd
t ju { z } lIfs C0fsf ]]ifsf ]] Joj ::yfM
ju { z } lIfs C0fsf ifsf Joj yfM
 dbg e08f/L :d[lt k|lti7fgn] :yfkgf u/]sf] dbg
e08f/L 5fqj[lQsf]ifaf6 5'6ofO{Psf] ljpF k"hL
sf]ifsf] /sd / 5fqj[lQ sfo{qmdaf6 ?kfGtl/t
;xof]u,
 ul/jL lgjf/0f sf]ifaf6 k|fKt ljp k"hL,
 ljleGg /fli6«o tyf cGt/fli6«o ;+:yfaf6 k|fKt
;xof]u,
 :yflgo lgsfo;+usf] xft]dfnf] sfo{qmdaf6 k|
fKt /sd/5fqj[lt sfo{qmdaf6 ?kfGtl/t ;xof]u,
t//0f k|lti7fg / cGo f;dfg/, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ]] ;/ f]]sf /, clwsf d'vL sfo ; qmd xf
 k|lti7fgsf ;/ sf p2]Zo /fVg] ljleGg

8. nlIft ju {{ z } lIfs C0f sfo { qmd
{ z } lIfs C0fsf ifsf Joj yfg ;+ r
{ z } lIfs C0fsf ]]ifsf ]] Joj ::yfg // ;+ rf
z}lIfs C0f sfo{s|d tyf sf]if ;+rfngsf nflu lgDg
cg';f/sf k|s[ofx? cjnDjg ul/g]5 .
 z } lIfs C0f sf ] if ;+ rfng ; ldltM
z}lIfs C0f sfo{s|d ;+rfng ug{ & ;bl;o ;ldlt
/x]sf] 5 .
 z } lIfs C0f sf ] if ;+ rfng ; ldltsf ] sfd ,
st { Jo / clwsf / M tf]lsPsf] k|s[ofåf/f k|lzIffyL{
5gf}6 ug]{, z}lIfs C0f ls6fg / kl/rfng, k|:tfljt
tflndsf] cg'udg, d"NofÍg tyf k[i7kf]if0f ;fy} k/fdz{,
ahf/Ls/0f, C0f c;'nLsf] k|lqmof;Fu ;DalGwt
gLltut lgb]{lzsf / k|lqmof lgwf{/0f ug]{ .
t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd xf

9. nlIft ju {{ z } lIfs C0f sfo { qmd
fs C0f k|fKt ug ]{ d'Vo cfwf x?M
fs C0f k|fKt ug ]{ d'Vo cfwf //x?M
s_ kl/of]hgf If]qaf;L x'gkg]{,
v_ blnt, hghftL֌Gb lkl8t, dlxnf x'g'kg]{,
u_ ;j} nlIft k|lzIffly{ cfly{s ljkGg÷ul/j x'g'kg]{,
3_ k|lzIf0f cjlwe/ k"0f{ ?kdf ;fd]n x'g] k|ltj4tf ePsf]
x'g'kg]{,
ª_ k|lzIf0f kZrft cfkmg} If]qdf /f]huf/L k|fKt u/L jf
:j/f]huf/ eO{ sfd ug]{ k|ltj4tf ;lxt To:tf /f]huf/L tyf
:j/f]huf/Ldf ;xof]u ug]{ ;+:yf, ;d'x tyf sDklgsf] k|
ltj4tf k|fKt ePsf] x'g'kg]{,
r_ k|lti7fgsf] C0f 5fqj[lQ nufgL–e'Qmflgsf zt{x?
k"0f{ kfngf ug]{ k|ltj4tf x'g'kg]{,
5_ Go'gtd cfwf/e"t :t/sf] k|j]z kl/Iffdf kf; x'g'kg]{,
t//0f k|lti7fgsf ]]] ;/}f]]sf /, ]Uotf eO{ cWoog {{qmd xf
0f lgwf{l/t txsf z flIfs of clwsf //d'vL sfo ug{] xf
h_ k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd

10. nlIft ju {{ z } lIfs C0f sfo { qmd
kl //of ]]hgfsf ll;;h { gzLn kIfx? M
kl of hgfsf h { gzLn kIfx? M
 ul/a kl/jf/sf blnt, hghftL, 4Gb lkl8t tyf
dlxnfx?aLr k|fljlws lzIffsf] kx'Fr clej[l4 .
 cf7f}+ sIff kf; tyf 6]i6 km]n
eO{ pRrlzIffsf] cj;/af6 al~rt, cfly{s cj:yf
sdhf]/ ePsf o'jf o'jtLx? k|fljlws 1fg, ;Lk
dfkm{t cfTdlge{tf tkm{ pGd'v .
 k|fljlws / Jojxfl/s lzIff dkm{t ;Ifd / k|
lt:kwL{ Ifdtfsf] ljsf; .
t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd xf

11. nlIft ju {{ z } lIfs C0f sfo { qmd
• ;d'bfosf] :jfdLTjdf ;~rflnt sfo{qmd
kl //of ]]hgfsf ll;;h { gzLn kIfx?M
kl of hgfsf h { gzLn kIfx?M
!= ;d'bfosf] ;xeflutf
@= ;fd'bflos lg0f{o tyf k|fyldsLs/0f
#= ;fd'bflos tyf ;+:yfut hdfgL
$= ;fd'bflos cg'udg
%= /f]huf/L tyf :j/f]huf/sf nflu ;+:yfut ;xhLs/0f tyf
k/fdz{
^= cWoog cjlwe/ Jofh b/ z'Go / Joj;fo k|
j4{g÷vf]hsf nflu 5f]6f]
cjlw;Dd Jofh ;x'lnot
&= Joj;fo :yfkgfsf] nflu aLp k"FhLsf] ;d]t Joj:yf
*= :jcfh{gsf] @%Ü dfl;s÷jflif{s c;'nLk|lt jrg j4tf
(= C0f ltg'{k5{ eGg] hfu/0fsf nflu g}lts lzIffsf]
cltl/Qm lzIf0f
!)= hf]lvdsf] Go"lgs/0fsf nflu ;fd'bflos, ;/sf/L tyf ;
+:yfut xft]dfnf]
!!= ;xsf/L tyf ljQLo ;+:yfdfkm{t C0f c;'nLsf] ;~hfn
t//0f!@= z}lIfs k|df0fkqsf]/,c:yfoL Jojd'vL nflu k|0ffnLsf]xf
0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf // :yfsf sfo {{qmd xf
k|lti7fgsf ;/ sf clwsf d'vL sfo qmd

12. nlIft ju {{ z } lIfs C0f sfo { qmd
kl of hgfsf sfo { Gjog k|lqmofM
kl //of ]]hgfsf ]] sfo { Gjog k|lqmofM
 ljleGg ;fd'bflos, ;/sf/L, u}x|;/sf/L ;+3 ;+:yfx?
tyf ;/f]sf/jfn;Fu Jofks 5nkmn, cGt/lqmof tyf
sfo{zfnfx? ;~rfng
 ;d'bfodf cfwfl/t ;xeflutfTds 5gf}6 k|lqmof
 ;d'bfo / ;+3 ;+:yfx?sf] l;kmfl/; .
 k|j]zsf nflu lnlvt tyf df}lvs kl/Iff .
 ;d"xut l;kmfl/; tyf hdfgtdf C0f k|jfx
 cfjf;Lo Joj:yfdfkm{t k|of]ufTds tyf Jojxfl/s
l;sfOdf a9L hf]8
t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd xf

13. nlIft ju {{ z } lIfs C0f sfo { qmd
kl//ofnflu cled'vLs/0f { Gjog k|lqmofM
kl  ;d"hgfsf ] sfo{{ g}tLs lhDd]jf/Lsf] af]wsf
of]]hgfsf ] sfo Gjog k|lqmofM
x / cleefjsx?nfO
 ;}4flGts 1fgkl5 sfo{d"ns /f]huf/Lsf nflu l;sfO
ug{ ;DalGwt If]qdf cfjlws k|j]z
 k|fljlws lzIff tyf Joj;flos tflnd kl/ifb (CTEVT) sf]
zLk kl/If0f dxfzfvfåf/f ;Lk kl/If0f tyf k|df0fkq
ljt/0f
 k|fljlws lzIff tyf Joj;flos tflnd kl/ifb (CTEVT) sf]
kl/Iff dxfzfvfåf/f k|fljlws lzIffsf] xsdf ljlw;+jt
kl/Iff
 pTkflbt hg;lQm ;/f]sf/jfnf ;d'bfodf x:tfGt/0f
sfo{qmddfkm{t ;fd'lxs hjfkmb]xL efjgfdf ljsf;
 pBdsf] :yfkgf tyf /f]huf/Lsf nflu cfjZos Joj:yfsf
nflu kxnsbdL
 cfjlws cg'udg, lg/LIf0f tyf :t/ j[l4sf nflu yk
t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd xf

14. nlIft ju {{ z } lIfs C0f sfo { qmd
xfn ;; Ddsf ]
xfn @)^@M
 kl/If0f sfo{qmd Ddsf ] k|ultM
k|ultM
ljifoM ;fd'bflos s[lif ;xfos
;+VofM #@ hgf -dlxnf @(,
k'?if #_
blnt !&, cflbjf;L hghflt *
ljifoM ;fd'bflos kz' ;xfos
;+VofM #$ -dlxnf !^, k'?if !*_
blnt !^, cflbjf;L hghflt !!
lhNnfM Onfd, bf]nvf, emfkf,
df]/+u, cf]vn9'∙f,
/fd]5fk, ;'g;/L, pbok"/,
tfKn]h'·, ;Kt/L, ;+v'jf;ef k|ljlw x ::tfGt //0f k|lti7fgsf ]] ;/ ff]
k|ljlw x tfGt 0f k|lti7fgsf ;/
clwsf d'vL sfo { qmd xfd|f cf
; fem ] bf / ;+: yfM TfE,clwsf //d'vL sfo { qmd xfd|f ]] cf
Plan,

15. nlIft ju {{ z } lIfs C0f sfo { qmd
 sfo{xfn;@)^#M ]
qmd Ddsf
xfn ;Ddsf ] k|ult {ljj 0fM
k|ultsfoljj //0fM$M
 qmd @)^
ljifoM ;fd'bflos s[lif ;xfos ljifoM ;fd'bflos s[lif ;xfos
;+VofM @) hgf ;+VofM #) hgf
ljifoM ;fd'bflos kz' ;xfos ljifoM ;fd'bflos kz' ;xfos
;+VofM @$ hgf ;+VofM #) hgf
blnt !$, cflbjf;L hghflt !& ljifoM l;PdP @, cgdL #, e]6
ljifoM l;PdP %, cgdL $, e]6 h]l6P !! / gl;{·, :jf:Yo ;xfos /
h]l6P % hgf l8Knf]df s[lif !) hgf
lhNnfM Onfd, emfkf, df]/ lhNnfM Onfd, emfkf, df]/
+u, ;'g;/L, pbok"/, l;/fxf, +u, ;'g;/L, pbok"/, l;/fxf,
;Kt/L ;Kt/L, /fd]5fk, Ko'7fg,
; fem ] bf / ;+: yfM TfE, Plan, l;Gw'nL, bf]nvf, ?kGb]xL
RRN, LWF, PAF / dbg ; fem ] bf / ;+: yfM PAF, dbg
e08f/L :d[lt k|lti7fg g]kfn / e08f/L :d[lt k|lti7fg g]kfn /

16. nlIft ju {{ z } lIfs C0f sfo { qmd
k|ult ljj 0f @ )^# M
k|ult ljj //0f @ )^# M
 sfo{qmdaf6 l;PdPtkm{ %, cgdLtkm{ $, kz'
:jf:Yotkm{ %, ;fd'bflos kz' ;xfos tkm{ @$, ;fd'bflos
s[lif ;xfos tflndtkm{ @) hgf u/L hDdf %* hgf k|
lzIffyL{x? nlIft ju{ z}lIfs C0faf6 nfeflGjt eO{ k|fljlws
tyf Joj;flos ;Lk xfl;n u/]sf 5g .
 pQm k|lqmofdf l;/fxf, df]/ª, emfkfsf kz' :jf:Yo ;xfos
-Vet JTA_, ;fd'bflos :jf:Yo ;xfos -CMA_, gl;{ª
:jf:Yo ;xfos -ANM_ df ;[hgf ;fd'bflos ljsf; s]Gb|,
ejfgL PsLs[t ljsf; s]Gb|, s[lif jg k|fljlws s]Gb|, u|fd
Hof]lt ljsf; s]Gb|, hgHof]lt ;dfh u|fd;]jL, lzjzlQm o'jf
Sna, l5d]s ;dfh ;+:yf, lwdfn hflto pTyfg s]Gb|;d]t
;fd'lxs hjfkmb]xLdf !% hgf ljBfyL{sf] egf{ .
t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd xf

17. nlIft ju {{ z } lIfs C0f sfo { qmd
xfn Ddsf k|ult ljj 0f @ )^# M
xfn ;;Ddsf ]] k|ult ljj //0f @ )^# M
! jif]{ kz' :jf:Yo ;xfos -CLA_ sfo{qmddf
l;/fxf, df]/ª, emfkfsf ljleGg ;fd'bflos ;
+:yfx?sf] l;kmfl/;df !% dlxnf;lxt #% hgf k|
j]z ePsf 5g
;fd'bflos s[lif ;xfos/ ;fd'bflos kz' ;xfos
tflnddf cWooog/t k|lzIffyL{x?n] sfo{ut
tflndsf] qmddfg} ;xof]uL ;+:yf/ k|
lti7fg/ JolQmut nufgLdf Joj;flos df}/L
kfng -@ hgf_, j+u'/ kfng -! hgf_, s'v'/f
kfng -& hgf_, Rofp v]tL, t/sf/L v]tL -@
t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd xf

18. nlIft ju {{ z } lIfs C0f sfo { qmd
xfnfd'bflos ] ÷s[lif ljj sfo @ )^# M
Ddsf k|ult ljj 0f @ cGt M
xfn;;;Ddsf ]kz'k|ult ;xfos //0f {qmd)^# {utsf

k|lzIffyL{x?n] 3/ tyf 5/l5d]ssf dflg;x?
nfO{ ;dt] Joj;flos v]tL tkm{ pTk]|l/t
ug{ yfn]sf 5g .
 æl;Sb} sdfpb}Æ eGg] k|lti7fgsf] ;f]r cg'?k
tflndsf] qmddf k|lti7fg;Fusf] ;xsfo{df
;fd'bflos kz'÷s[lif ;xfos sfo{qmd cGt{utsf
k|lzIffyL{x?n] ;d"xut s'v'/f kfng, j+u'/ kfng,
;fd'lxs v]lt dfkm{t sl/j ? $),))). cfo cfh{g
u/]sf 5g h;nfO{ C0f s6f}ltsf] k|s[ofdf
cuf8L a9fO{Psf] 5 . o;nfO{ cWoog C0f
t//0f
0f r'Stf ug]{ ]k|offfsfsf/, clwsf //d'vL lnPsf]qmd xf
k|lti7fgsf ] ;/ ; ]]sf /, clwsf ?kdf sfo {{qmd. xf
k|lti7fgsf ;/ ] yfngLsf] d'vL sfo 5

19. nlIft ju {{ z } lIfs C0f sfo { qmd
xfn ]; Ddsf ] ]k|ult {ljj /0fM
xfn xftf leq sf] kmfd / 0fM
 k|lti7fgsf; Ddsf ] /xk|ult ljj / aflx/ lnhdf lnP/
k|lti7fgn] k|of]ufTds lzIffsf ;fy} k|lzIffyL{x?sf]
C0fsf] ef/ sd ug{ æl;Sb} sdfpb}Æ eGg] ;f]rnfO{
Jojxf/df ptfg{] k|of;sf] yfngL u/]sf] 5 .
 cWoogsf] qmddfg} ;fd'bflos kz'÷s[lif ;xfos
sfo{qmd cGt{utsf k|lzIffyL{n] cfkmgf] ;Lk tyf
1fgnfO{ ;d'bfodf k|of]u ug{ yfn]sf 5g . h:t} kz'
pkrf/, vf]k, s[lifdf ;Nnfx lbP/ ;fd'bflos ;]jfsf
lqmofsnfkx?df ;+nUg x'g yfn]sf 5g .
 ;fd'bflos kz'÷s[lif ;xfos sfo{qmd cGt{utsf k|
lzIffyL{x?df cfkmgf] of]Uotfsf ;fy} cfly{s, ;fdflhs,
ef}uf]lns cj:yf ;'xfpbf] Joj;fosf] 5gf}6, k|fyldsLs/0f
t//0f / k|lti7fgsf0f ;/ ff]]sftkmclwsf //d'vL sfo {{qmd xf
0f ah]6 lgdf{ ]] ug]{sf/, { pGd'vd'vL sfo .qmd xf
k|lti7fgsf ;/ /, clwsf ePsf 5g

20. nlIft ju {{ z } lIfs C0f sfo { qmd
xfn Ddsf]] k|ult ljj 0fM
k|ult ljj
 nIo k|flKtsf nflu /fli6«o of]hgf cfof]usf pkfWoIf
xfn ;;Ddsfdfglgo ;b:ox?, //0fM d+qfno
;lxt ;DalGwt lzIff
nufot ;xsf/L ljefu ;d]tdf k6sk6s 5nkmn /
cGt/lqmof ;DkGg eO{ sfo{qmdnfO{ ;s/fTds ?
kdf lnPsf] .
 ljleGg /fli6«o tyf cGt/fli6«o u};;sf ;fy}
/fli6«o ;xsf/L dxf;+3, ;fd'bflos ag pkef]Qmf
dxf;+3 nufotsf ;fd'bflos ;+:yfx?;Fu ljleGg r/0fdf
5nkmn x'Fbf k|lti7fgsf] nlIft ju{ z}lIfs C0f
sfo{qmdsf] cjwf/0ffnfO{ ;sf/fTds ?kdf lnPsf] .
 g]kfn ;/sf/ lzIff ljefusf] k|ljlws lzIff tyf Joj;flos
tflnd kl/ifb4f/f nlIft ju{nfO{ lbg] 5fqj[lQ
sfo{qmdnfO{ xfn kl/If0fsf] ?kdf nlIft ju{ z}lIfs

21. nlIft ju {{ z } lIfs C0f sfo { qmd
kl /x?nfOhgfsf ll;;sfOx?M
kl of ] { k|of] sfOx?M
• k|lzIffyL{/of ] hgfsf ufTds sIffdf a9L ;+nUg
u/fpbf a9L k|efjsf/L x'bf]/x]5 .
• ;d"xut lqmofsnfkdf ;+nUg u/fpFbf cltl/St ;Lk ljsf;
xF'bf]/x]5 .
• æl;Sb} sdfpb}Æ eGg] ;f]r ul/a ;d'bfosf k|
lzIffyL{x?sf nflu cToGt k|efjsf/L x'Fbf]/x]5 .
• k|lzIffyL{x?sf] j;f]jf; Ps} :yfgdf eP pTkfbg
lqmofsnfkx?df ;xh x'Fbf]/x]5 .
• z}lIfs C0fdf cWoog ug{ cfpg] k|lzIffyL{x?
nfO{ of ] cg'bfg xf ] Og C0f xf ] olb
o ; nfO { lkmtf { gul / Pdf csf ]{ Ps u / La ; fyL
cWoogaf6 alGrt x'G5 ; fy } of ] ul / jL
Go'lgs / 0f ug ]{ xft ] dfnf ] sfo { qmd xf ] eGg]
ljifonfO{ ;Dj4 ;a} ;fem]bf/ ;+:yfx?n] :ki6 ug{ ;s]
t//0f k|lti7fgsf ]] x'gf]]sf ]/, .clwsf//d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ f] sf/, clwsf d'vL sfo qmd xf
C0f c;'nL ;xh ;/ /x 5

22. nlIft ju {{ z } lIfs C0f sfo { qmd
kl of hgfsf an kIfM
kl //of ]]hgfsf ;;an kIfM
• o; sfo{qmd cGt{tu ul/a, blnt, dlxnf Pj+ hghfltn] klg
cWoogsf] df}sf kfpg' .
• ul/jL Go"lgs/0fsf nflu k|:tfljt gLltsf] ;Tofkgsf]
cg';Gwfg z'? ePsf] .
• nlIft ju{{leq cfwf/e"t k|fljlws hgzlQm pTkfbgsf nflu
7f]; cfwf/ :yfkgf ePsf] .
• lg/k]If ul/jLsf] /]vfd'gL /x]sf kl/jf/leq cfwf/e"t k|fljlws
lzIffn] cf}krfl/s tyf ;+:yfut ?kdf k|j]z kfPsf] / lgDg :t/
/ dWod :t/sf] k|fljlws hgzlQm ul/j kl/jf/ leq klg tof/
ePsf] .
• ul/ax?leq >d ug]{ ;+:s[lt / OdfGbfl/tf x'g] ePsfn]
C0f hf]lvddf kg]{ ;Defjgf Go"g /x]sf] .
• ;/f]sf/jfnf ;d'bfo, ;+:yf;Fu ;dGjo / ;xsfo{sf] clej[l4 x'g]
ePsf] .
• ;fd'lxs efjgfsf] ljsf; tyf ;+:yfut xft]dfnf] sfo{qmdn]
t//0f hfk|lti7fgsf ]]0fdfff];sf /, ePsf] . //d'vL sfo {{qmd xf
0f ]k|lti7fgsf/ ;/ ]xhtf clwsf d'vL sfo qmd xf
lvd Go"lgs ;/ sf /, clwsf

23. nlIft ju {{ z } lIfs C0f sfo { qmd
kl of hgfsf r'gf } tLx?M
kl //of ]]hgfsf r'gf } tLx?M
• k|lzIffyL{x?sf] ;fd'bflos /
;fF:s[lts ljljwtfsf sf/0f
;d"xut lqmofsnfkdf ;+nUg
u/fpg z'?jftdf s]xL
cK7of/f] .
• z}lIfs :t/ sDhf]/ x'g] k|
lzIffyL{x?nfO{ ljifo
j:t'sf] ;}4flGts kIf /fd|/L
a'emg / n]Vg sl7g x'g] .
t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd xf

24. nlIft ju {{ z } lIfs C0f sfo { qmd
 C0f sfo{qmd ePsf] x'gfn] lgDg cfo ePsfnfO{ ;
+3÷;+:of ] hgfsf lbg c;lhnftLx?M
kl //yfx?nhgfsf r'gf } tLx?M.
kl of ] ] hdfgt r'gf } ] dfg]sf]
 ;d'bfo÷;+3 ;+:yfx?n] ;DalGwt kIfnfO{ cled'vLs/0f
ug]{ l;nl;nfdf ;/sf/L cg'bfg tyf 5fqj[lQ sfo{qmd /
nlIft ju{ z}lIfs C0f sfo{qmddf /x]sf]
km/snfO{ a'emg g;ls ljp k"hLnfO{ cg'bfgdf
cfPsf] cfPsf] k};f xf] egL e|d pTkGg x'g] u/]sf]]
x'gfn] sfo{qmdsf] dd{nfO{ cfTdf;fy u/fpg
;DalGwt ;a} kIfn] ;fd'lxs k|oTg ug'{kg]{ b]lvPsf]
.
 l;kmfl/; ug]{ ;d'bfo jf ;+3 ;+:yfn] 5gf}6sf] k|
lqmofdf nlIft ju{df k'Ugsf nflu ko{fKt Wofg
k'/ofpg g;s]sf] .
 ljleGg ;d'bfo / ;+3 ;+:yfx?sf] z}lIfs C0f
t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd xf

25. nlIft ju {{ z } lIfs C0f sfo { qmd
kl//of ] hgfsf nflu cGt/lqmof kZrft lgdf
of 5gf}6sf yk lhDd jf Lx?M
•klJoj;fo]hgfsf yk lhDd ]]jf //Lx?M {0f
ePsf]] Joj;fosf] k|fyldsLs/0f / k|:tfljt ah]6
nfO{ k|lzIffyL{x? sfo{ut tflndaf6 kmls{Pkl5
Joj;flos of]hgfnfO{ clGtd ?kdf tof/ ug]{ .
• Joj;fo ;+rfng tyf /f]huf/sf nflu ;xlhs/0f tyf
;xof]u ug]{ .
• nlIft ju{ z}lIfs C0f sfo{qmdsf nflu l;kmf/L;
ug]{ ;DalGwt ;fd'bflos ;+:yf / ;DefJo
/f]hfuf/bftf jf :j/f]uf/Lsf If]qdf kg]{ :yfgLo
;xsf/L ;+:yfx?;Fu C0f c;'nLdf ;xsfo{sf nflu ;
+hfn lgdf{0fsf] k|s[of cf/De .
t//0f k|lti7fgsf ]] ;/ ff]]sf /, clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ sf /, clwsf d'vL sfo qmd xf

26. nlIft ju {{ z } lIfs C0f sfo { qmd
•
kl c;of hgfsf yk lhDd cleejsx?nfO{
kl 'nLsf] k|lqmofdf lhDd jf Lx?M
C0f //of ]]hgfsf yk ;DalGwt ]]jf //Lx?M lhDd]af/L
af]w u/fpg] ljifodf cGt/lqmof / 5nkmn ug]{.
• cfjlws ?kdf ;DalGwt k|lzIffyL{x?nfO{ k'g/tfhls tflnd tyf
Joj;fodf cfO{ k/]sf sl7gfO{sf nflu ;xlhs/0f ug]{ .
• ;DalGwt k|lzIffyL{x?nfO{ of] C0f xf]Og ul / jL
Go'lgs / 0f ug ]{ / fli6 « o ;+ sNk k' / f ug { sf nflu
; DalGwt JolQmn ] axg ug' { kg ]{ Pp6f ljz ] if
cleefj / fsf ; fy } Pp6f u / Ljn ] csf ]{ u / LanfO {
; xof ] u ug ]{ xft ] dfnf ] sfo { qmd xf ] eGg] efjgfsf]
ljsf; u/fpg] .
• ul / aL Go " lgs / 0f ug ]{ / fli6 « o ;+ sNk k' / f ug ]
{ gLlt lgdf { 0fsf nflu /fli6«o /fhg}lts kf6L{x?,
g]kfn ;/sf/, /fli6«o of]hgf cfof]udf z}lIfs C0f k|fKt
ug'{ ul/asf] clwsf/ xf] eGg] ljifo;Fu ;DalGwt /x]/ gLlt
t//0f lgdf{0fsf nflu ]]jsfntff]]sf]{/,. clwsf //d'vL sfo {{qmd xf
0f k|lti7fgsf ;/ ug /, clwsf d'vL sfo qmd xf
k|lti7fgsf ;/ sf

27. nlIft ju {{ z } lIfs C0f sfo { qmd
s s [[•lif g;xfosn ]] :yfkg
s lif ;;{/L Joj tflndkl5 lgDgfg' ;;ff//sf sfo {{ ug {{ ;;Sg ]]5g
xfosn tflndkl5 lgDgfg' sf sfo ug Sg 5g
• t/sf/L pTkfbg
• kmnkm"n pTkfbg
• cGg v]tL÷bnxg afnL÷gub]
afnL pTkfbg
• lapm pTkfbg
• dn Joj:yfkg
• ljiffbL Joj:yfkg
• km"n v]tL
• df}/L
kfng÷df5fkfng÷/]zdv]tL÷Rofp
m v]tL
k|ljlw yfkgtfGt //0f k|lti7fgsf ]] ;/ ff
k|ljlw x :: tfGt 0f k|lti7fgsf ;/
• s[lif pkhsf] ahf/ Joj:
x
clwsf d'vL sfo qmd xfd|f c
clwsf //d'vL sfo {{qmd xfd|f ]] cf

28. nlIft ju {{ z } lIfs C0f sfo { qmd
s kz' ;;xfosn ]] tflndkl5 lgDgfg' ;;ff//sf sfo {{ ug {{ ;;Sg ]]5g
s kz' xfosn tflndkl5 lgDgfg' sf sfo ug Sg 5g
• kz'kfng / Joj:yfkg
• gZn ;'wf/ Joj:yfkgdf
;xof]u
• cfxf/fsf] Joj:yfkg
• e]8f afv|f kfng
• /f]uaf6 kz'nfO{ arfj6
ug{ ;xof]u
• hgfj/sf] k|fylds pkrf/
• h'gf]l6s /f]usf] ljifodf kl/ro
• cf}iflw Joj:yfkg
• b'U3 pTkfbgsf] Joj:yfkg
• s'v'/fkfng / pTkfbg
• pgsf] pTkfbg k|ljlw x ::tfGt //0f k|lti7fgsf ]] ;/ ff
k|ljlw x tfGt 0f k|lti7fgsf ;/
clwsf d'vL sfo qmd xfd|f c
clwsf //d'vL sfo {{qmd xfd|f ]] cf

29. nlIft ju {{ z } lIfs C0f sfo { qmd
lbuf yflo agfpg fem bf x? larsf cGt /; D
lbuf ]] // ::yflo agfpg ;;fem ]]bf //x? larsf ]] cGt /; D
nlIft o " jf
;d'x

30. nlIft ju {{ z } lIfs C0f sfo { qmd
ljutsf L / lzk
j]/f]huf cg'ejM
ul/jL,ljutsf /cg'ejM Ps csf{df cGt/ ;DjlGwt 5g
. lzk geP /f]huf/L gkfO{g], /f]huf/L gkfP cfo
gx'g], ul/an] To;} lzk cfh{g ug{ gkfOg] x'gfn]
ul/jLs} sf/0f jx';+Vos dflg;x? lzk / lzIffjf6 jlGrt
ePsf] cj:yf 5 . of] hfnf]nfO{ RofTg z}lIfs
sfo{qmd k|fljlws tyf lzkd"ns e} ul/jL lgjf/0f
tkm{ pGd"v x'g'kb{5 . ;Lk / k|ljlw ljgfsf] Joj;flos
C0fsf Kofs]hn] dfq ;fFrf] cy{df ul/aL Go'lgs/0f
u/fpg, j]/f]huf/L 36fpg / hLjg:t/df ;'wf/ Nofpg
;St}g eGg] tYo ljut ;/sf/x?4f/f ;+rflnt ;fgf ls;fg
ljsf; cfof]hgf, u|fld0f ljsf; a}+s, k|fyldStf k|fKt If]q
shf{ sfo{qmd, ;fgf tyf 3/]n' pBf]u ljsf; sfo{qmd,
z}lIfs j]/f]huf/sf nflu C0f sfo{qmd h:tf ljz]if

31. nlIft ju {{ z } lIfs C0f sfo { qmd
wGojfb .