Òwewb‡qvM

cÖ¯Íve Òdi‡gU(‡UªwWs/mvwf©m) G/2Ó

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Avj-Avivdvn Bmjvgx e¨vsK wjwg‡UW
□ cyb:e›Ub/n«vmKiY/ewa©ZKiY
cvnvoZjx kvLv, PÆMÖvg
30.09.2018 wewb‡qv weiæc
M- †bU †kªYxweb¨v
ZvwiL wfwËK Avgvb wewb‡ ‡gvU
Avgvb‡Zi gybvdv ‡ˉc«W wmZ
kvLvi msw¶ß Z qvM GbwcGj
kZKiv/nvi (%) wewb‡qvM
wPÎ (†KvwU (%)
UvKvi As‡K) 10.61 - - (0.16) - 00.00 00.00

m~Px t
Bwm †g‡gv t
kvLvi bvg t cvnvoZjx kvLv
kvLvi cÎ m~Î bs t GAvBweGj/ cvnvoZjx/wewe/2018/104 cÖ¯Ív‡ei ZvwiL t
15/10/2018 Bs
e¨e¯’vc‡Ki bvg I t †gvnv¤§` bvwn` †nv‡mb †hvM`v‡bi ZvwiL t
c`ex wmwWwmGm, fvBm †cÖwm‡W›U 01/08/2018 Bs
wel cvnvoZjx kvLvi cÖ¯ÍvweZ wewb‡qvM MÖvnK †gmvm© Zvbfxi †ÆwWs (‡cÖvcvBUit
q t †gvnv¤§` ‡gvRvd&di Avn‡g`) Gi AbyKz‡j evB-gyqv‡¾j †gv‡W 12.00% gybvdv nv‡i
0.60 ‡KvwU UvKv Zb¥‡a¨ Gw·g e¨vsK wjwg‡UW, cvnvoZjx kvLvi evB-gyqv‡¾j
wewb‡qvM mxgv 0.40 †KvwU UvKvi wecix‡Z eZ©gvb g~j `vq 0.34 ‡KvwU UvKv †c-
Ad mn Aby‡gv`b cÖm‡½|
 mnvqK Rvgvb‡Zi g~j¨ (Zvr¶wbK) t 0.60 ‡KvwU eZ©gvb g~j¨vq‡bi ZvwiL t
UvKv 04.10.2018 Bs
 mxgvwZwi³ `vq (hw` _v‡K) t cÖ/b | c~‡e©i g~j¨vq‡bi ZvwiL t
cÖ/b
1. MÖvnK/e¨emv t
0 cÖwZôv‡bi weeiY
(K) e¨emv cÖwZôv‡bi t bvg t †gmvm© Zvbfxi †ÆwWs,
bvg I e¨emvwqK wVKvbv e¨emvwqK wVKvbvt RbZv gv‡K©U, mvMwiKv †ivW,
cvnvoZjx, PÆMÖvg|
(L) e¨emv cÖwZôv‡bi t
GKK gvwjKvbv
KvVv‡gv
(M) e¨emv‡qi aiY/cÖK… t
‡UªwWs
wZ
(M) gvwj‡Ki t †gvt ‡gvRvddi Avn‡g`
(N) Aby‡gvw`Z gyjab Uv: cwi‡kvwaZ gyjab Uv: ------- †KvwU|
------ †KvwU
(O) t (1) e¨emvwqK Uv: 1.51 (2) e¨w³MZ Uv: 1.52 †KvwU, †gvU (1+2) Uv:
†bUIqv_ ‡KvwU 03.03 ‡KvwU
©
(P) ‡Kv¤úvbxi cwiPvjK/gvwjK/Askx`vi‡`i e¨w³MZ Z_¨vejx t
e¨vw³MZ
e¨em cÖwZ †kqvi
wk¶vMZ †bUIqv_
bvg, wVKvbv I wcZv,gvZv/¯^vgxi/¯ eq vi ôv‡b msL¨v I
†hvM¨Z ©
†dvb b¤^i ¿xi bvg m AwfÁ Ae¯’v kZKiv
v (‡KvwU
Zv b nvi
UvKvq)
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Avn‡g` Avng` 20 gvwj
gvZv- giûg nvRx 52 we Kg 100% 1.52
†Mvj †g‡ni eQi K
¯^vgx/¯¿x-
‡gvU= - - - - - 100% 1.52
1.1 GmGgB msµvšÍ Z_¨vw` (wkí/D‡`¨v‡Mi bvg/LvZ D†jøL KiZt mswk¬ó Lv‡Z wUK wPý
w`‡Z n‡e)t
Rwg Ges KviLvbv feb
weeiY LvZ e¨wZ‡i‡K ¯’vqx m¤ú‡`i A_ev, Kg©iZ ¯’vqx Rbej
gyj¨ (cÖwZ¯’vcb e¨qmn)
1 †KvwU n‡Z 15 †KvwU
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UvKv
gvSvix wkí/D‡`¨vM
1 †KvwU n‡Z 15 †KvwU
 e¨emv 11-50 Rb
UvKv

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UvKv
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q t †gvnv¤§` ‡gvRvd&di Avn‡g`) Gi AbyKz‡j evB-gyqv‡¾j †gv‡W 12.00% gybvdv nv‡i
0.60 ‡KvwU UvKv Zb¥‡a¨ Gw·g e¨vsK wjwg‡UW, cvnvoZjx kvLvi evB-gyqv‡¾j
wewb‡qvM mxgv 0.40 †KvwU UvKvi wecix‡Z eZ©gvb g~j `vq 0.34 ‡KvwU UvKv †c-
Ad mn Aby‡gv`b cÖm‡½|
0.05 †KvwU n‡Z 1 †KvwU
 e¨emv 6-10 Rb
UvKv

2. Avgv‡`i mv‡_ e¨vswKs ïiyi ZvwiLt 27.09.2018 Bs Avj-Iqvw`qv PjwZ wnmve/GmGbwW

0 wnmve bs t 1601020001181
3. cÖ_g gÄyix ZvwiL
bZzb MÖvnK UvKv:
0 t
me©‡kl ZvwiL
UvKv:
cye©eZx gÄyix t
me©‡kl gÄyix ZvwiL
UvKv:
t
4. e¨emvi
0 gvjvgvj/wewb‡qv‡Mi
D‡Ïk¨
K) Gjwm t cÖ‡hvR¨ bq
L) GgwcAvB t cÖ‡hvR¨ bq
M) evBgyqv¾vj t cyivZb Rvnv‡Ri hveZxq gvjvgvj µ‡qi Rb¨ PjwZ g~jab
N) GBPwcGmGg t cÖ‡hvR¨ bq
‡bvU:GKK †Km/we‡kl AwZwi³ wewb‡qvM Aby‡gv`‡bi †¶‡Î Gi D‡Ïk¨mn MÖvn‡Ki
we`¨gvb mKj wewb‡qvM †gv‡Wi weeiY/D‡Ïk¨ wjL‡Z n‡e|
4. MÖvn‡Ki A½-mn‡hvMx cÖwZôvb t- cÖ‡hvR¨ bq
1
cÖwZôv‡bi bvg I gvwjK/Aswk`vi/†Kv¤úvwbi g~j e¨vs mxgv `vq wbqw gvwjKv
wVKvbv †¶‡Î cwiPvjK‡`i mv‡_ ab K (‡KvwU (‡KvwU gZ/ bvi Ask
m¤úK© UvKvq) UvKvq) Awbq
wgZ
1 2 3 4 5 6 7 8
100%

5. wewb‡qv‡Mi weeiY t
0 (‡KvwU UvKvq)
MÖvn‡Ki
cÖ¯ÍvvweZ
we`¨gvb mxgv gybv
eZ©gv cÖv_wgK mnvqK mxgv ‡gq
Gw·g e¨vsK wjt dv
b `vq RvgvbZ RvgvbZ v`
wewb‡qv cwig wewb‡qv cwig (%)
‡Mi LvZ vb ‡Mi LvZ vb
wewfbœ 1460
eM©dzU
ai‡bi
evB- d¬vU I 12.00 1
0.50 0.36 Rvnv‡Ri evBg 0.60
gyqv‡¾j
cyivZb
AvbycvwZK % eQi
nv‡i 0.065
†gwkbvix kZK Rwg
‡gvU= 1460 ‡gvU=
eM©dzU
1.20 d¬vU I 0.60
0.065 kZK
Rwg

---------------- ZvwiL wfwËK dv‡ÛWt we`¨gvb dv‡ÛWt cÖ¯ÍvweZ(bZyb) ‡gvU wK¬b dv‡ÛW
GKK MÖvn‡Ki Rb¨ ---------†KvwU bb- ----‡KvwU dv‡ÛW- 0.60 jÿ ‡gvU óK‡emW dv‡ÛW
Aby‡gv`b‡hvM¨ m‡e©v”P dv‡ÛWt --------- we`¨gvb cÖ¯ÍvweZ(bZyb) bb- ‡gvU bb-dv‡ÛW
wewb‡qvM mxgv: (Single Party †KvwU bbdv‡ÛWt--- dv‡ÛW ---‡KvwU
Exposure Limit as per BRPD Circular No. 02 ‡KvwU
16/01/2014 of Bangladesh Bank)

5.1 GK-bR‡i MªvnK I Gi mn‡hvMx cÖwZôv‡bi wjwgU, `vq‡`bv Ges mnvqK

Rvgvb‡Zi wPÎ t (‡KvwU UvKvq)
Name of Main Name of Name of Name of
Investment Sister Sister Sister
Particulars Client concern-A concern-B concern-C Total
Limit Liability Limit Liability Limit Liability Limit Liability Limit Liability
wel cvnvoZjx kvLvi cÖ¯ÍvweZ wewb‡qvM MÖvnK †gmvm© Zvbfxi †ÆwWs (‡cÖvcvBUit
q t †gvnv¤§` ‡gvRvd&di Avn‡g`) Gi AbyKz‡j evB-gyqv‡¾j †gv‡W 12.00% gybvdv nv‡i
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wewb‡qvM mxgv 0.40 †KvwU UvKvi wecix‡Z eZ©gvb g~j `vq 0.34 ‡KvwU UvKv †c-
Ad mn Aby‡gv`b cÖm‡½|
Cash LC
(S/D/UPAS)
Bank Guarantee
Other non funded
Sub Total (A)
Baimuajjal 0.40 0.36 0.40 0.36
Murabaha/ MPI
MPI-TR/ Mura-
TR
HPSM
(Transport)
Other funded
Sub Total (B)
Total (A+B) 0.40 0.36 0.40 0.36
Break up on the basis of funded and nonfunded investment
Funded (A) 0.40 0.36
Non-Funded (B)
Total 0.40 0.36
Collateral Security at a glance:
Particulars MV FSV MV FSV MV FSV MV FSV MV FSV
Land with Flat 0.69 0.60
Building/Shed
MTDR/ITD/PTD
Total 0.69 0.60

6. wewb‡qv‡Mi cwigvb wbav©iY/Assessment of Working CapitalRequirement(we¯ÍvwiZ 13.4.4 `dvq

0 `ªóe¨) : me©‡gvU UvKv -

7. gybvdv/gvwR©b t t we`¨gvb cÖ¯ÍvweZ

0
gybvdv t 14% 12.00%
Kvh©Ki gybvdv (Kvh©Ki cÖ/b -
gybvdvi nvi wba©vi‡Yi c×wZ
c„_Kfv‡e †`Lv‡Z n‡e)
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GK‡mc‡UÝ Kwgkb t cÖ/b -
wewR Kwgkb t -
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IKvjZ wd As per as existing Schedule.
Ab¨vb¨ PvR© t

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. bZ t Rvgvb‡Zi cÖK…wZ g~j¨ 07.10.2018 ZvwiL wfwËK
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†jvnv mn cyivZb Rvnv‡Ri hveZxq
gvjvgvj
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(‡KvwU UvKvq)
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weeiY fe‡bi kvLv t mv‡f©qvi t kvLv t mv‡f©qvi
g~j¨v -04/10/2018
qb kvLv mv‡f©qvi kvLv mv‡f©qvi
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wewb‡qvM mxgv 0.40 †KvwU UvKvi wecix‡Z eZ©gvb g~j `vq 0.34 ‡KvwU UvKv †c-
Ad mn Aby‡gv`b cÖm‡½|
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5
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t kn‡ii Wvejgywis _vbvi ivgcyi
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M) Ab¨vb¨ t 08/2017 †gvZv‡eK wewb‡qv‡Mi wecix‡Z AwMÖg †PK MÖnb Kiv n‡e|
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UvKvq)
0 wmAvBwe wi‡cvU© Abyhvqx 31.08.2017 Bs ZvwiL wfwËK Z_¨|
MÖvnK I Gi mn‡hvMx †kªbxKi‡bi Ae¯’v
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qv‡Mi w¯’wZ
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10. MÖvnK I Gi mn‡hvMx cÖwZôv‡bi gva¨‡g me©‡kl 3 eQ‡i kvLvi (jÿ
0 Avqt bZzb MÖvnK UvKvq)
MÖvnK cÖwZôvb mn‡hvMx cÖwZôvb me©‡
mb
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11 PjwZ wnmv‡ei UvY©Ifvi t

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s
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12 Mªvn‡Ki wewb‡qvM wnmv‡ei cvidig¨vÝ t
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e¨vs‡Ki wewb‡qv we`¨gvb cwi‡kv w¯’wZ
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wjt 2017 evB-
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wewb‡qvM mxgv 0.40 †KvwU UvKvi wecix‡Z eZ©gvb g~j `vq 0.34 ‡KvwU UvKv †c-
Ad mn Aby‡gv`b cÖm‡½|

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Gj evB-
cÖ/bq (bZzb MÖvnK)
gyqv‡¾j
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wej gyj¨ wej gyj¨ ------ ch©šÍ
wejm `vq g¨vPzwiwUi
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12. GBPwcGmGg (†gwkbvix/Uªv݇cvU©/wi- (‡KvwU UvKvq)

2 G/Ab¨vb¨ wKw¯ÍwfwËK wewb‡qvM) t cÖ/bq
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c‡Y¨i GKK ‡gvU GBPGm
msL¨v AwiwRb mvcøvqv‡ii bvg
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Avg`vwbZe¨ c‡Y¨i AeZiY g~j¨(Landed cost) wba©viY t cÖ/bq

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cÖwZ BDwb‡Ui j¨v‡ÛW K÷ Uv:----------- Ges weµqg~j¨ Uv:----------

Avg`vwbZe¨ c‡Y¨i g~j¨ hvPvB cÖwZ‡e`b (g~‡j¨i mwVKZv I cÖwZ BDwb‡Ui j¨v‡ÛW K÷
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12. `vq †c-A‡di †¶‡Î t ----e¨vsK wjwg‡UW Gi ---kvLvi Uvg© wewb‡qv‡Mi (‡KvwU UvKvq)
5 Z_¨vw` t- cÖ/bq
†gqv‡`v AÎ e¨vs‡K w¯’wZ
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weZi‡ hZ eQi
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Gw·g e¨vsK wjt cvnvoZjx kvLvi t MÖvn‡Ki wbR bv‡g
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MÖvn‡Ki we`¨gvb mnvqK gybvdv
we`¨gvb `vq eQi
mxgv RvgvbZ (%)
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wewb‡qv‡Mi cwig mxgvi

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gyqv‡¾j AvbycvwZK
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kZK Rwg

13. evwl©K t me©‡kl 3 eQ‡ii Z_¨| bZzb cÖwZôvb n‡j cÖv°wjZ wnmve Abyhvqx (weeiYx/e¨v‡jÝ
0 weµq/ kxU mshy³) (bZzb MÖvnK) (‡KvwU UvKvq)
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cÖwZô GAvBweGj Gi mv‡_ Ab¨ e¨vs‡Ki mv‡_

me©‡gv
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Zvbfxi 2017 - - - - 4.15 4.15 4.15
†ÆwWs
2016 - - - - 3.15 3.15 3.15
13. Avw_©K weeiYx we‡kølb
1 (me©‡kl Avw_©K weeibx
Abyhvqx)t- (‡KvwU UvKvq)
‡gvU cwiPvjb
eQi weµq Drcv`b e¨q bxU gybvdv †bUIqv_©
gybvdv gybvdv
1 2 3 4=(2-3) 5 6 7
2016 3.15 2.77 0.38 0.11 0.27 2.42
2017 4.15 3.72 0.43 0.12 0.32 2.79
2018 5.08 4.51 0.57 0.16 0.41 3.13

13. e¨emvwqK †bUIqv_© weeibx (me©‡kl Avw_©K weeibx Abyhvqx ) t

2
K) m¤úwË I w¯’wZ t (‡KvwU UvKvq)
1) PjwZ m¤ú` t
bM` A_© t 0.10
gRy` t 1.20
wewea †`bv`vi t 0.08
Ab¨vb¨ t 0.35
‡gvU = 1.73
2) ¯’vqx m¤ú` t
Rwg t 0.00
BgviZ t 0.00
‡gwkbvix t 0.00
Ab¨vb¨ t 0.23
‡gvU = 0.23
me©‡gvU m¤úwË = 1.96

L) `vq t
1) PjwZ `vq t
wewea cvIbv`vi t 0.06
¯^í ‡gqv`x t 0.36
wewb‡qvM/FY
Ab¨vb¨ `vq t 0.02
‡gvU = 0.44
2) `xN© †gqv`x `vq t
`xN© †gqv`x t
wewb‡qvM/FY
GAvBweGj t
Ab¨vb¨ t
‡gvU = 0.00
me©‡gvU ewnt `vq = 0.44
‡bUIqv_© (K-L) t 01.52
‡bU Iqv_©= (†gvU m¤ú` - ‡gvU ewnt `vq‡`bv)= UvKv 01.52 (BbtmvKy©jvi bs wmAvBwW/2016/112 ZvwiL
04/10/2016 AbymiY Ki‡Z n‡e)
(‡bvU: PjwZ m¤ú` I PjwZ `v‡qi g‡a¨ mvgÄm¨ i‡q‡Q wKbv Zv fvjfv‡e ch©‡eÿY Ki‡Z n‡e| PjwZ `vq
PjwZ m¤ú` n‡Z †ekx n‡j e¨emv‡q ˆbwZevPK cÖfve c‡o )
wel cvnvoZjx kvLvi cÖ¯ÍvweZ wewb‡qvM MÖvnK †gmvm© Zvbfxi †ÆwWs (‡cÖvcvBUit
q t †gvnv¤§` ‡gvRvd&di Avn‡g`) Gi AbyKz‡j evB-gyqv‡¾j †gv‡W 12.00% gybvdv nv‡i
0.60 ‡KvwU UvKv Zb¥‡a¨ Gw·g e¨vsK wjwg‡UW, cvnvoZjx kvLvi evB-gyqv‡¾j
wewb‡qvM mxgv 0.40 †KvwU UvKvi wecix‡Z eZ©gvb g~j `vq 0.34 ‡KvwU UvKv †c-
Ad mn Aby‡gv`b cÖm‡½|
13.3 gvwjK/cwiPvjK‡`i/M¨viv›Ui‡`i------ZvwiL wfwËK †bUIqv_© weeibx (m¤ú‡`i ZvwjKv Avjv`vfv‡e
mshy³ Kiv n‡jv) t (‡KvwU UvKvq)
`vq m¤ú`
1| e¨vsK/ Avw_©©K cÖwZôvb‡K cÖ‡`qt 1| bM`vqb‡hvM¨ m¤ú`t
(K) RvgvbZmn (Secured) UvKv (K) bM` UvKv 0.05
(L) RvgvbZwenxb(Unsecured) UvKv --- (L) e¨vs‡K Rgv(AIBL) UvKv 0.004
(M) Ab¨vb¨ †`bv (hw` _v‡K) UvKv ------- (M)Ab¨vb¨ e¨v‡K Rgv UvKv 0.20
Dc-‡gvU= UvKv 0.25
2| Abv`vqx e¨w³MZ wewb‡qvM N)wewb‡qvMK…Z dvÛt
(†jvb/CIS/Credit Card BZ¨vw`) miKvix wmwKDwiwU/eÛ UvKv-----
UvKv ------ ‡kqvi/÷Km/wW‡eÂvi/eÛ BZ¨vw` UvKv ------
Rxeb exgv cwjwm UvKv-------
GgwUwWAvi/GdwWAvi/mÂq ¯‹xg UvKv
3| cwi‡kva‡hvM¨ Ki (hw` _v‡K) Dc-‡gvU= UvKv -----
UvKv------
4| Ab¨vb¨ `vq‡`bv (hw` _v‡K) UvKv 2| ¯’vqx m¤ú`t
----- (K) Rwg I wewìs (eÜKK„Z) UvKv ----0.80
(L) Rwg I wewìs (eÜKwenxb) UvKv----0.35
(M) †gkxbvixR/hš¿cvwZ UvKv-------
3| A¯’vei m¤ú`t
(K) AvmevecÎ UvKv 0.07
(L) hvbevnb/Kvi UvKv-----
(M) ¯^Y©vjsKvi/gy³v/ Ab¨vb¨ UvKv 0.05
4| Ab¨vb¨ wewb‡qvM UvKv----------
‡gvU `vq †`bv= UvKv 0.00 ‡gvU m¤ú`= UvKv 1.52
‡bU Iqv_©= (†gvU m¤ú` - ‡gvU `vq‡`bv)= UvKv 1.52 (BbtmvK~©jvi bs wmAvBwW/2016/112
ZvwiL 04/10/2016 AbymiY Ki‡Z n‡e)
( †bvU t cÖwZôv‡bi `yB ev Z‡ZvwaK cwiPvjK/Askx`vi Ges M¨viv›Ui/K‡c©v‡iU M¨viv›Ui _vK‡j
cÖ‡Z¨‡Ki bv‡g Avjv`v Avjv`vfv‡e †bUIqv_© weeibx cÖ`vb Ki‡Z n‡e)
13.4 †UªwWs Gi PjwZ g~jab wba©viYt
evrmwiK e„w× I cwiPvjbv msµvšÍ mvB‡Kj (Operating Cycle) Ges µqg~j¨ = weµqg~j¨ Gi % we‡ePbv
K‡i t
1. weµqg~j¨ (PjwZ eQi) 5.08
t
2. †hvM t e„w× 0.76
3. †gvU = 5.84
4. †gvU cÖ‡qvRb = (cwiPvjbv msµvšÍ mvB‡Kj x weµqg~j¨ Gi % x
1/12) t 1.70
5. ev` t Mªvn‡Ki g~jab/gvwR©b t 1.08
6. bxU cÖ‡qvRb (e¨emvq A_v©qb) = t 0.62

14.0 Environment Risk Rating (EnvRR) (cwi‡ekMZ SzuwK wbiƒcb) : (Related documents to be
enclosed)
Category of Industry N/A
Risk as per General EDD EnvRR “Low”
Risk as per Sector Specific EDD n/a
Overall EnvRR
Computation Date 01.10.2018
Validity of the grading (As per ERM Guide line,
2011)
15.0 Investment/Credit Rating : Under Process
Credit Report :
Date of rating :
Rating Expiry date :
Rated By :
Outlook :
Rating, Weightage & its Meaning :
Entity Rating Risk Weight Meaning
Long Term
Short Term

16.
AvBAviwR †¯‹vi I ‡MÖwWs t IRG on projected/Audited B/S based on Financials.30/06/2018
0

Risks Score Score Obtained Score Grade

Financial Risk Fully cash covered Superior
Leverage 15 14 85+ Good
Liquidity 15 15 75-84 Acceptable
Profitability 15 15 65-74 Marginal
wel cvnvoZjx kvLvi cÖ¯ÍvweZ wewb‡qvM MÖvnK †gmvm© Zvbfxi †ÆwWs (‡cÖvcvBUit
q t †gvnv¤§` ‡gvRvd&di Avn‡g`) Gi AbyKz‡j evB-gyqv‡¾j †gv‡W 12.00% gybvdv nv‡i
0.60 ‡KvwU UvKv Zb¥‡a¨ Gw·g e¨vsK wjwg‡UW, cvnvoZjx kvLvi evB-gyqv‡¾j
wewb‡qvM mxgv 0.40 †KvwU UvKvi wecix‡Z eZ©gvb g~j `vq 0.34 ‡KvwU UvKv †c-
Ad mn Aby‡gv`b cÖm‡½|

Coverage 5 05 55-64 Special Mention

Sub-Total 50 49 45-54 Substandard
Business/Industry Risk 18 09 35-44 Doubtful
Management Risk 12 11 <35 Bad/Loss
Security Risk 10 08
Relationship Risk 10 04
Risk Grading Acceptable
Total 100 81

16. †KIqvBwm wi· †iwUs t Low, 11

1

µg K¨vUvMix Risk level Risk Rating

1. wnmve gvwjK/cwiPvj‡Ki †ckv Medium 4
2. wnmve gvwj‡Ki/cwiPvj‡Ki Av‡qi Drm Medium 0
3. wnmve wKfv‡e †Lvjv n‡jv Low 0
4. †jb‡`‡bi m¤¢ve¨ g~j (TP Abyhvqx) High 3
5. †jb‡`‡bi m¤¢ve¨ msL¨v (TP Abyhvqx) Low 0
6. bM` †jb‡`‡bi g~j (TP Abyhvqx) High 3
7. bM` †jb‡`‡bi m¤¢ve¨ msL¨v (TP Abyhvqx) Medium 1
†gvU = 11

17. IfviwWD (hw` _v‡K) t ‡bB

0
17. mvwe©K `wjjvqb wewa †gvZv‡eK t cÖwµqvaxb
1 m¤úbœ n‡q‡Q wKbv ?
18. WKz‡g‡›Ukb ÷¨vUvm t cÖwµqvaxb
0
18. GbIwm msMÖn Kiv n‡q‡Q wKbv? t bZzb MÖvnK
1
18. Awb¯úbœ AwWU AvcwË I cwicvjb
2
AvcwË cwicvjb/kvLvi Reve
cÖK…wZmn (VSL/SL/GL) cÖ/b cÖK…wZmn (VSL/SL/GL) cÖ/b

18. evsjv‡`k e¨vs‡Ki cwi`k©‡b D‡jøwLZ t

3 Awb¯úbœ AvcwË I Dnvi cwicvjb (hw`
_v‡K)
AvcwË cwicvjb/kvLvi Reve
cÖ/b
‡bvU: B›UªvKkb mvKz©jvi bs GAvBweGj/cÖKv/wmAvBwW/2016/129 ZvwiL: 24.11.2016 L„x: Gi
wb‡`©kbv Abyhvqx AwWU AvcwË I Dnvi cwicvjb m¤ú‡K© mwVK Z_¨ w`‡Z n‡e| †hgb: Very Serious
Lapses, Serious Lapses and General Lapses _vK‡j Zv KZ w`‡bi g‡a¨ wb¯úwË Kiv n‡e Zv
mywbw`©ófv‡e cÖ¯Ív‡e D‡jøL Ki‡Z n‡e|

19.0 Kgcøv‡qÝ msµvšÍ †Nvlbv t

K) wewb‡qvM cÖZ¨vkx (e¨w³/cÖwZôvb) Avgv‡`i Rvbvg‡Z Fb/wewb‡qvM †Ljvcx bq|
L) MÖvn‡Ki bv‡g †Kvb ‡gqv‡`vËxY© wej Ae Gw›Uª ‡bB|
M) MÖvn‡Ki bv‡g †Kvb ‡gqv‡`vËxY© ißvbx wej †bB|
N) MÖvn‡Ki bv‡g †Kvb ‡gqv‡`vËxY© ¯^xK…Z wej †bB|
O) wewb‡qvM cÖ¯Íve e¨vs‡Ki wewb‡qvM cwjwm/†iMy‡jUix iæjm cwicš’x bq|
P) wewb‡qvM cÖ¯Ív‡ei mv‡_ AÎ e¨vs‡Ki †Kvb cwiPvj‡Ki ‡Kvb m¤ú„³Zv bvB|
Q) wewb‡qvM wnmvewU c~YtZdmxjK…Z bq Ges MÖvnK B‡Zvc~‡e© KLbI c~YtZdmxj myweav
MÖnb K‡ibwb|
R) Avgv‡`i Rvbvg‡Z B‡Zvc~‡e© cÖ¯ÍvewU AÎ e¨vsK ev Ab¨ †Kvb e¨vsK KZ©„K cÖZ¨vL¨vZ nq
bvB|
S) wewb‡qvM cÖ¯ÍvewU‡Z Avgv‡`i Rvbvg‡Z evsjv‡`k e¨vsK mn cÖ‡hvR¨ mKj wbqš¿K KZ©„c‡¶i
wewa weavb, mvK©yjvi, wb‡`©kbv BZ¨vw` h_vh_fv‡e cwicvjb/Abym„Z n‡q‡Q|
T) wewb‡qvM Av‡e`b/cÖ¯Ív‡e Bb‡f÷‡g›U wi· MvBW jvBb †_‡K wePy¨wZ (deviation) mg~n (hw`
_v‡K) :
U) wewb‡qvM Av‡e`‡b/cÖ¯Ív‡e Bb‡f÷‡g›U wi· MvBW jvBb ‡_‡K wePz¨wZ (deviation) _vKv m‡Ë¡I
Aby‡gv`‡bi ‡hŠw³KZv :
‡bvU: Dc‡iv³ wel‡qi g‡a¨ †Kvb e¨wZµg _vK‡j Zv mswkøó Kjv‡g D‡jøL Ki‡Z n‡e| †hgb-cyb:Zdwmj myweav †fvM
Ki‡j Zv D‡jøL Ki‡Z n‡e BZ¨vw`|
wel cvnvoZjx kvLvi cÖ¯ÍvweZ wewb‡qvM MÖvnK †gmvm© Zvbfxi †ÆwWs (‡cÖvcvBUit
q t †gvnv¤§` ‡gvRvd&di Avn‡g`) Gi AbyKz‡j evB-gyqv‡¾j †gv‡W 12.00% gybvdv nv‡i
0.60 ‡KvwU UvKv Zb¥‡a¨ Gw·g e¨vsK wjwg‡UW, cvnvoZjx kvLvi evB-gyqv‡¾j
wewb‡qvM mxgv 0.40 †KvwU UvKvi wecix‡Z eZ©gvb g~j `vq 0.34 ‡KvwU UvKv †c-
Ad mn Aby‡gv`b cÖm‡½|

20.0 mswkøó ÷xj wkí GKwU cÖwZwôZ I µgea©gvb wkí| e›`ibMix PÆMÖvg‡K wN‡i M‡o
e¨emv / wkí D‡V‡Q GB wkí, hv eZ©gv‡b RvZxq A_©bxwZ‡Z cÖavb Ae`vbKvix wn‡m‡e
we‡kølY Avwe©f~Z n‡q‡Q| we‡klÁ‡`i g‡Z, eZ©gv‡b †`‡ki AeKvVv‡gvMZ Dbœq‡b
GB ÷xj wkí GKwU ¸iæZ¡c~Y© f~wgKv cvjb Ki‡Q| RvnvRfv½v wkí n‡Z GB
w÷j/iW AvnwiZ nq| RvnvRfv½v wkí n‡Z †h iW cvIqv hvq Zv †`‡ki Pvwn`vi
gvÎ 26% c~iY Ki‡Z mÿg nq| fwel¨r‡Z GB wkí w`b w`b cÖmvi cv‡e e‡j Avkv
Kwi|
21.0 kvLv/‡Rvb/cªavb Kvh©vj‡qi cwi`k©b cÖwZ‡e`‡bi mvi-ms‡¶c(ZvwiL D‡j¬Lmn) t MZ
04/10/2018 Bs Zvwi‡L kvLvi wØZxq Kg©KZv© Rbve †gvt Avãyi ingvb I wewb‡qvM
wefv‡Mi cÖavb ˆmq` dinv` DÏxb MÖvn‡Ki e¨emv cÖwZôvb I cÖ¯ÍvweZ Rwg I
e¨emv cÖwZôvb miRwg‡b cwi`k©b K‡ib Ges cwi`k©b w`e‡m D³ e¨emv cÖwZôvb
I cÖ¯ÍvweZ Rwgi gvwjKvbv mwVK cvIqv hvq|

22.0 kvLvi mycvwik I (mswkøó wkí/e¨emvi Strength, Weakness, Opportunity,Threat(SWOT) Analysis

†hŠw³KZv t D‡jøL c~e©K kvLvi gZvgZ, †hŠw³KZv I mycvwikmn wewb‡qvM cÖ¯—ve
†Rv‡b/cªavb Kvh©vj‡q †cÖiY Ki‡Z n‡e|)

1. MÖvnK mybv‡gi mwnZ cÖvq 30 eQi hveZ mvMwiKv †ivW, cvnvoZjx, PÆMÖvg G
cyivZb Rvnv‡Ri hveZxq ¯Œ¨vc gvjvgvj µq-weµ‡qi e¨emv cwiPvjbv K‡i Avm‡Qb|
2. eZ©gv‡b MÖvn‡Ki wW‡cv‡Z 1.20 ‡KvwU UvKvi wewfbœ ai‡bi GmGm, ‡gvUi, ¯Œ¨vc
mn cyivZb Rvnv‡Ri hveZxq gvjvgvj gRy` Av‡Q|
3. MÖvnK B‡Zvg‡a¨ ivgcyi ‡gŠRvi C`Mvu, eidKj msjMœ 1460 eM©dzU d¬¨vU ‡iwRt
gU©‡MR w`‡q Gw·g e¨vsK wjwg‡UW, cvnvoZjx kvLv n‡Z 0.40 ‡KvwU UvKv FY
MÖnb K‡i Zvui e¨emv cwiPvjbv Ki‡Qb|
4. GgZve¯’vq Avgv‡`i kvLv D‡™¢va‡bi c‡i MÖvnK Gw·g e¨vsK wjt cvnvoZjx kvLvi 0.40
†KvwU mxgvi evB-gyqv‡¾j wewb‡qvM mxgvi wecix‡Z eZ©gvb g~j `vq 0.34 †KvwU
UvKv †c-Admn †gvU 0.60 †KvwU UvKv evB-gyqv‡¾j wewb‡qvM myweav 12%
gybvdv nv‡i gÄy‡ii Rb¨ Av‡e`b K‡ib| D³ wewb‡qv‡Mi wecix‡Z mnvqK RvgvbZ
wnmv‡e Gw·g e¨vsK wjt, cvnvoZjx kvLvq gU©‡MRK„Z 1460 eM©dzU d¬¨vU †iwRt
gU©‡MR w`‡Z cª¯‘Z i‡q‡Qb| hvi Zvr¶wbK g~j¨ 0.60 †KvwU UvKv Ges evRvi g~j¨
0.69 †KvwU UvKv |
5. MÖvn‡Ki PjwZ wnmv‡ei †jb‡`b m‡šÍvlRbK| MÖvnK Gi ‰`wbK weµq AZ¨šÍ
m‡šÍvlRbK|
6. KL‡bv MÖvn‡Ki wewb‡qvM `vq IfviwWD nqwb|
7. PjwZ wnmv‡ei †jb‡`b m‡šÍvlRbK| Gw·g e¨vsK wjt cvnvoZjx kvLvq MZ 02/10/2017
†_‡K 02/10/2018 Bs MÖvn‡Ki †gvU †WweU 3.77 †KvwU UvKv I †µwWU 3.77 †KvwU
UvKv|
8. kvLvi wecix‡Z MÖvn‡Ki e¨emvwqK cÖwZôvb Aew¯’Z, hv MÖvn‡Ki e¨emv gwbUwis
mnRZi Ki‡e|
9. wewb‡qvM cÖ¯ÍvewU Aby‡gv`b n‡j bZzb kvLv wn‡m‡e wewb‡qvM e„w×i mv‡_
mv‡_ gybvdvI e„w× cv‡e|

Dc‡iv³ weeiY, MÖvn‡Ki Avw_©K mvg_©, mvgvwRK ghv©`v, mnvqK Rvgvb‡Zi cÖK…wZ I
g~j¨ Ges m‡e©vcix e¨emv m¤cÖmviY I e¨vs‡Ki gybvdvi K_v we‡ePbv K‡i MÖvn‡Ki
AbyKz‡j evB-gyqv¾vj ‡gv‡W 0.60 †KvwU UvKv Z¤§‡a¨ Gw·g e¨vsK wjt cvnvoZjx kvLvi
eZ©gvb g~j `vq 0.34 †KvwU UvKv †c-Ad mn 12% gybvdvq wewb‡qvM cÖ¯Íve Aby‡gv`‡bi
Rb¨ kvLvi cÿ n‡Z mycvwik Kiv n‡jv |

wewb‡qvM 2q Kg©KZ©v kvLv e¨e¯’vcK

BbPvR©
‰mq` dinv` DÏxb ‡gvnv¤§` Avãyi ingvb ‡gvnv¤§` bvwn` †nv‡mb
(wmwbqi ( wcÖwÝcj Awdmvi) wmwWwmGm
Gw·wKDwUf (fvBm †cÖwm‡W›U)
Awdmvi)
wel cvnvoZjx kvLvi cÖ¯ÍvweZ wewb‡qvM MÖvnK †gmvm© Zvbfxi †ÆwWs (‡cÖvcvBUit
q t †gvnv¤§` ‡gvRvd&di Avn‡g`) Gi AbyKz‡j evB-gyqv‡¾j †gv‡W 12.00% gybvdv nv‡i
0.60 ‡KvwU UvKv Zb¥‡a¨ Gw·g e¨vsK wjwg‡UW, cvnvoZjx kvLvi evB-gyqv‡¾j
wewb‡qvM mxgv 0.40 †KvwU UvKvi wecix‡Z eZ©gvb g~j `vq 0.34 ‡KvwU UvKv †c-
Ad mn Aby‡gv`b cÖm‡½|