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Swayambhunath
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Stupa at Swayambhunath

Swayambhunath
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Swayambhunath (Devnagari: स्वयम्भूनाथ स्तुप, English (rarely):Monkey Temple) is one of the holiest Buddhist sites in the area of Kathmandu. It sits on a hill in the west of Kathmandu overlooking the city.
Contents[hide]
1 Mythology
2 History
3 Architecture
4 Symbolism
5 Gallery
6 References
7 External links
//

[edit] Mythology
According to Swayambhu Purana, the entire valley was once filled with an enormous lake, out of which grew a lotus. The valley came to be known as Swayambhu, meaning "Self-Created." The Bodhisatva Manjushri had a vision of the lotus at Swayambhu and traveled there to worship it. In order to make the site more accessible to human pilgrims, Manjushri cut a gorge through the mountains surrounding the valley. The water drained out of the lake, leaving the valley in which Kathmandu now lies. The lotus was transformed into a hill and the flower become the Swayambhunath stupa.

[edit] History
Swayambhunath is among the oldest religious sites in Nepal. By the 5th century, it had already become an important destination for Buddhist pilgrims. The history of the site itself dates back to long before the arrival of Buddhism in the Kathmandu valley.
Although the site is considered Buddhist, the place is revered by both Buddhists and Hindus. Numerous Hindu kings are known to have paid their homage to the temple including the most powerful king of Kantipur- Pratap Malla.

[edit] Architecture
The stupa consists of a dome at the base. Above the dome, there is a cubical structure present with eyes of Buddha looking in all four directions. There are pentagonal Toran present above each of the four sides with statues engraved in them. Behind and above the torana there are thirteen tiers. Above all the tiers, there is a small space above which the Gajur is present.

[edit] Symbolism
The dome at the base represents the entire world. When a person awakes (represented by eyes of mercy and self knowledge) from the bonds of the world, the person reaches the state a bit higher. After that, the person has to cross thirteen stages represented by the tiers before attaining Nirvana. Each morning before dawn, hundreds of pilgrims will ascend the 365 steps that lead up the hill, file past the gilded Vajra (Tibetan: Dorje) and two lions guarding the entrance, and begin a series of clockwise circumambulations of the stupa (Newari Buddhists circle in the opposite, counterclockwise direction). On each of the four sides of the main stupa there are a pair of big eyes. These eyes are symbolic of God's all-seeing perspective. There is no nose between the eyes but rather a representation of the number one in the Nepali alphabet, signifying that the single way to enlightenment is through the Buddhist path. Above each pair of eyes is another eye, the third eye, signifying the wisdom of looking within. No ears are shown because it is said the Buddha is not interested in hearing prayers in praise of him.

[edit] Gallery

Shikhar style temple erected by king Pratap Malla

Pigeons on the white dome

Circular cloud above the white stupa

Pilgrims descending the 365 steps leading to the stupa

Sadhu with 27 year old dreadlocks

Hindu girls spinning the prayer wheels

View on Kathmandu from the Swaymbhunath hill

Many monkeys can be found surrounding this stupa

Publication

" Bank Samachar - Mangsir" - " Bank Samachar - Aswin" - " Bank Samachar - Bhadra" - " Bank Samachar - Srawan" - " Bank Samachar - Jestha - Asadh" - " Bank Samachar - Chaitra and Baishakh" -

Basic Operational Areas


Agricultural and Rural Finance

Commercial Banking

Micro-Finance
Agricultural and Rural FinanceThe bank provides credit services broadly on short, medium and long term basis to individuals, co-operatives and corporate bodies. Short-term loans are provided for the period of maximum 2 years for the activities such as production, working capital, marketing and non-farm activities. Medium-term loans are extended for the period of 2 to 7 years for irrigation, farm mechanization, agro/cottage industries (fixed investment) and agri-business including livestock. Long-term loans are provided for the period of more than 7 years for the purposes like warehouse, cold storage, tea/coffee and horticultural crops having long gestation period. In addition to providing rural and agricultural credit, the bank accepts saving from borrowers in the form of Client Security Fund. Moreover, the bank is also involved in technology promotion particularly in the field of surface and ground water irrigation, micro-hydro and alternative energy including biogas as well as solar power. Commercial BankingWith the primary objective of mobilizing urban resources to the rural sector, the bank is undertaking commercial banking operations since 1985. The activities of commercial banking operation broadly include deposit collection and lending operation. Besides, services related to guarantee and fund transfer through draft, fax, inward bill collection, outward bill collection etc. are also provided to clients. Deposit services are made available for demand deposit (current account), saving and term deposits. In lending operation, the bank has concentrated on commerce, industry, overdraft (general and industrial), contract, hire-purchase (construction and transportation), service loan (tourism, health, secretarial services etc), demand loan, educational loan, house loan, project loan and agriculture loan. Micro-FinanceSmall Farmer Development Program(SFDP): The SFDP was initiated in 1975 with the objective of improving socio-economic conditions of the rural poor including women by bringing them into the mainstream of development process. Group approach is the fundamental basis for program implementation. Households having per capita family income of less than or equal to Rs. 2500 and /or a land holding size up to 0.5 ha. are categorized as small farm families for providing financial and non-financial services through SFDP.Credit is provided for different purposes related to production, marketing, and other income/employment generating activities. To develop saving habit among small farmers, group saving and its mobilization is also being undertaken as an integral component. As complementary input to credit and saving services, the target groups of the program are also trained in different areas such as group management and its functioning, saving mobilization, income generating activities etc. Moreover, social and community development activities are also being undertaken for the welfare of rural people. Institutional development Program and SFCLs: In view of the few shortcomings of SFDP such as high operating cost and slow growth in outreach, an alternative approach of empowering the target groups was initiated within SFDP framework through Institutional Development program (IDP). Under this approach, small farmers are encouraged to build up autonomous and viable institutions owned, managed and controlled by themselves. Such autonomous body is named as Small Farmer Co-operative Limited (SFCL) which is registered under co-operative Act. The beneficiaries of SFCLs are provided intensive training in different areas such as office management, book keeping, group functioning etc for capability development and the SFDP's assets and liabilities are ultimately handed over to the SFCL. After the completion of hand over process, the bank provides wholesale credit to these institutions from which loans are provided to the target groups.The initial results of SFCLs are noted to be positive particularly in the areas of financial viability, leadership development, participation and internal resource mobilization and expansion as well as diversification of program activities. Some of the SFCLs are emerging with notable outcome and are capable of replicating Institutional Development Process on their own. Moreover, 11 SFCLs are carrying-out limited banking operation under the supervision of the central bank. One of the remarkable features of SFCLs is low level of operating expenses i.e. only 2.3% of loan portfolio. As per the study carried out by GTZ, these grassroots level institutions have maintained high growth rate in saving collection and continuously increased quality of loan portfolio. Small Farmers Development Bank: To provide qualitative and effective financial and non-financial services exclusively to SFCLs, ADBN established Small Farmers Development Bank Limited (SFDBL) as its subsidiary development bank in 2002. SFDBL is owned by the Government, ADBN, two commercial banks and SFCLs. However, as per the plan, the shares presently owned by ADBN and the Government will be gradually off loaded to SFCLs. ADBN has envisaged that after next five years, SFCLs will own majority of shares of SFDBL. Consequently, these institutions will be in a position to control the management of this apex level bank.
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Organization and ManagementThe Board of Directors is the apex body of the bank. It formulates policies as well as strategies and provides guidance to the management. The Board comprises a total of eight members; three members representing Ministry of Finance, one member each representing the Ministry of Agriculture as well as the Ministry of Land Reform and two members representing individual shareholders. Besides, one member is nominated by the Board as per the BAFIA. The Board is supported by Audit Committee and Governance Committee in the area of internal control and good governance respectively.The day to day operation of the bank is executed by the Chief Executive/General Manager. The Chief Executive/General Manager is closely assisted by two Deputy General Managers and 12 Division Chiefs. Moreover, General Manager is supported by Asset and Liability Committee for various activities related to risk management. The bank has three-tier organisation structure consisting of Head office, Regional offices (ROs) and field offices. Field offices are further categorised into four levels; main branch, branch, sub-branch and depot depending particularly upon their volume of business. The head office is the policy making body at the top, field offices are implementing units at the bottom and ROs with monitoring and supervisory role are in between. ADBL is also operating a Central Training Institute (CTI) at corporate head office and five Regional Training Centres (RTCs) with residential facilities in five development regions. The CTI and RTCs conducts training and seminars particularly for enhancing abilities and skills of organizational members
Board of Directors
Chairman
Mr. Devendra Pratap ShahPhone: 4370810
Member
Mr. Surendra Mani Tripathi Joint SecretaryMinistry of Finance
Phone: 4211867
Member
Mr. Dharanidhar KhatiwadaDirector GeneralDepartment of Land Reform and ManagementPhone 4223049
Member
Mr. Dibakar PoudyalJoint SecretaryMinistry of Agriculture & Co-operatives
Phone: 4241215
Member
Mr. Bhargav Dhital
Phone: 9841225428
Member
Mr. Babukaji PathakPhone: 9851100348
Member
Ms. Laxmi Devi ManandharPhone : 4420200, 9851077787
Member
Mr. Yogeswor Pant
General Manager, ADBL
Phone: 4262690,4262797
Board Secretary
Mr. Hira Raj NepalPhone:4262620








Deputy General Managers
Name
Functional Area
Tel
Email
Mr. Chhetra Bdr. Saijuwal
Program
4252356

Mr. Pratap Bahadur Singh
Service
4262885

Division Chiefs
Division
Division Chief
Tel
Email
Planning & Project
Mr. Ghuran Thakur (Acting)
4252354
adbnppd@ntc.net.np
Internal Audit & Inspection
Mr. Kamalapati Paudel
4222297
adbniad@ntc.net.np
Information Technology
Mr. Mukesh Raj Shrestha
4250737
adbnmisd@ntc.net.np
adbnmis@ntc.net.np
Risky Assets Management
Mrs. Bijaya Swar (Officiating)
4262756
spjoshiktm@yahoo.com
Human Resource Management
Mr. Daya Ram Jaisi
4262919
swar_b@hotmail.com
General Services
Mr. Bam Bikram Basnet
4262613

Finance & Account
Mr. Yogendra Pd. Regmi
4252358
adbn@ntc.net.np
Loan
Anil Kumar Upadhaya (Acting)
4252357
bdsgautam@yahoo.com
Small Farmer & Micro Credit Development
Thamesh Kumar Pradhan
4252353
adbnsfdd@ntc.net.nprameswor_koirala@hotmail.com
Central Training Institute
Mr. Prem Bdr. Shrestha
4248742
adbnactri@ntc.net.np
Banking Development
Mr. Naresh Man Pradhan
4263387

Office of the General Manager
Mr. Manohar Shrestha (Acting)
4262708

Office of Gratuity Fund Management
Birat Raj Joshi (Acting)
4242144

Regional Offices
Regional Office
Director
Telephone
Fax/Email
Birtamod
Janak Bahadur Thapa
023-541283023-540966
023-541282adbskobmd@ntc.net.np
Biratnagar
Pradip Kumar Gami
021-526638021-525338
021-524282sobrt@ntc.net.np
Rajbiraj
Nanda Kishor Yadav
031-520047031-520203
031-520247scrajbiraj@raj.jncs.cjb.net
Janakpur
Ram Bahadur Magrati
041-522670041-521070
041-520402adbnjanakapur@hotmail.com
Birgunj
Bishnu Prasad Atraya
051-522130051-525208
051-521900sobrj@atcmail.com.np
Kathmandu
Upendra Bahadur Karki
01-448546701-4499256
01-4481283sinikaktm@infoclub.com.np
Pokhara
Dasharath Joshi
061-520458061-528445
061-521107adbnsopkr@mail.com.np
Bhairahawa
Dil Bdr Kathayat
071-520631071-520146
071-520632agribnkbhw@bcci.com.np
Ghorahi
Sarad Kumar Sharma Ghimire
082-560510082-560536
082-560536
Nepalgunj
Mohamad Umar
081-522073081-520015
081-520960agrbnknj@mail.com.np
Dhangadhi
Arjun Bista
091-521210091-522255
091-522254adblro_dgd@ntc.net.np
Regional Training Centers
RTC
Chief
Telephone
Fax/Email
Letang
Okendra Bahadur Karki
021-560090
021-560055
Birendragar
Thakur Prasad Pokharel
056-582244
056-582411
Mangalapur
Prem Sundar Shrestha
071-560915
071-561544
Nepalganj (Papari)
Krishna Kumar Shrestha
081-540243
081-540171
Dhangadhi
Ramkrishna Pandey
091-521202
Banking Branch Offices
Name of Office
Manager
Tel
Fax/Email
Banking Birtamod
Krishna Prasad Neupane
023-541200023-542800
023- 540800
Banking Biratnagar
Ganesh Prasad Timilsina
021-523025021- 526021
021526031
Banking Tinpainee
Ishwor Pokhrel
021-524260021-527857
021-528317
Banking Dharan
Bhawani S. Chapagain
025-526572
025-526571
Banking Itahari
Arun Kuamr Bhattarai
025-582750025-582566
025-582749
Banking Rajbiraj
Bikram Prasad Shah
031-520039031-520339
031-520385
Banking Lahan
Gopal Karki
033-561343
033-561649
Banking Siraha

033-520470
033-520070
Banking Janakpur
Guru Prasad Lamichane
041-522943041-524013
041-522667
Banking Birgunj
Maha Prasad Luitel
051-521601
051-523098
Banking Hetauda
Bharat Bdr. Bania
057-523393
057-525056
Banking Tandi
Janardan Malla
056-560904
056-560905
Banking Narayanghat
Taranath Baral
056-520454056-522368
056-521997agrbnkngd@techmind.com.np
Banking Ratnapark
Sagar chandra Joshi
01-422557001-4242175
01-422306101-4231020
Banking New Road
Tej Bdr Budhathoki
01-424162601-4224673
01-4220314
Banking Thamel
Santaram Baidhya
01-426397801-4256928
01-4265097
Banking Kalimati
Bhabindra Khatri
01-427516801-4283038
01-4270284
Banking Chabahil
Naresh Man Rokka
01-447004201-4466565
01-4474757
Banking Baneshwor (Gausala)
Gopal Bahadur Thapa
01-447218001-4497683
01-4474702
Banking Tripureswor
Satya Laxmi Ranjit
01-4260905
01-4260646
Banking Maharajgunj
Ganesh Raj Pant
01-472051301-4721179
01-4721247
Banking Putalisadak
Ganesh Ra
01-441087401-4421568
01-4415908
Banking Naya Baneswor
Sanubaba Prasai
01-478179501-4782979
01-4781808
Corporate Banking Ramshahpath
Ganga Prasad Regmi
01-422920401-4224065
01-4224704
Banking Kalanki
Badri Raj Subedi
01-4272022
01-4272023
Banking Koteswor
Maha Parasad Luintel
01-4485983
01-4485384adbnkot@wlink.com.np
Banking Swyambhu
Shashiraj Singh Suwal
01-428083501-4302141
01-4281185
Banking Jorpati
Gyanendra Bdr. Bhandari
01-449252601-4492527
01-4492527
Banking Kamalpokhari
Sushil Humagain
01-4424049
01-4442164
Banking Maitidevi
Sundar Pd. Khatiwada
01-4418539
01-4420367
Banking Kirtipur
Shambhu Bdr. G.C.
01-4333255
01-4331200
Banking Budhanilkantha
Dambar Bdr. Khattri
01-4376634
01-4371642
Banking Balaju
Kalika Guragain
01-4364561
01-4350375
Banking Lagankhel
Ram Bdr. Khadka
01-552115301-5544978
01-5527758
Banking Pulchowk
Saraswati Karmacharya
01- 5537401
01- 5537536
Banking Mangal Bazar
Chandan K. Shrestha
01-553825001-5553352
01-5538844
Banking Gwarkhu
Hari Pd. Bhattrai
01-5542515
01-5539818
Banking Dhudpati, Bhaktapur
Dhruba K Mudvari
01-6613565
01-6611945
Banking Thimi
Kishor Mandal
01-663443901-6631239
01-6631234
Banking Banepa
Narayan Sundar Shaka
011-662702
011-662703adbbanepa@wlink.com.np
Banking Trishuli
Arun Kumar Dhungana
010-560125
010-560126
Banking Butwal
Chet Narayan Sapkota
071-541839071-541310
071-540567
Banking Siddharthanagar
Gyan Prasad Aryal
071-520625071-526625
071-520250
Banking Taulihawa
Shiva Prasad Pathak
076- 560527
076-560526
Banking Nawalparasi
Cholendra R Adhikari
078-520534
078-520672
Banking Bardaghat
Janak Lal Tiwari
078-520534
078-580305
Banking Pokhara
Ek Bahadur Basnet
061-520864 061-525014
061-521734
Banking Bagar
Narnath Bhattarai
061-528883
061-533445
Banking Syanja
Prakash Kandel
063-520200
063-520400
Banking Baglung
Bimal Bahadur Shrestha
068-510286
068-510166
Banking Kusma
Puspa Raj Neupane
067-420166
067-420166
Banking Damauli Unit
Buddiman Shrestha
065-560586
065-560166
Banking Ghorahi
Mukunda Raj Pant
082-560580082-561195
082-560504
Banking Nepalgunj
Netra Bdr. Chand
081-520008081-524032
081-521408
Banking Mahendranagar
Pradip Sapkota
099-523394099-524064
099-523395
Banking Dhangadhi
Dipendra K Eir
091-524503
091-523262
Present Manpower at the bank (F.Y. 2064/65)
Office
No. of Employee
Head Office
300
Regional Office
233
Development Banking Office
2121
Commercial Banking Office
736
Regional Training Centre
38
Employee Retirement Fund
14
Total
3442

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afa'sf] gfdM ===========================
@= k]zf M s[lif
#= lzIff M ;fwf/0f n]vk9
$= ;+rfng ug{ rfx]sf] Joj;fo M Aofkf/
%= ;DalGwt Joj;fosf] 1fg÷cg'ej M @ aif{
^= cfkmgf] / cfkm\gf] kl/jf/sf] gfp+sf] :yfoL ;DklQ laa/0f -sfg"g ;Ddt_M
-s_ hUuf -lj3f÷s7[f÷/f]kgL_ M cfkm\gf] gfp+df @-)-) lj3f, kl/jf/sf] gfp+df === === ===, b'j}sf] ul/ cg'dflgt d"No ?=^,)),)))
-v_ 3/ – cfkmgf]÷kl/jf/sf] gfp+dfM – kSsL÷sRrL_ -! tn], &)) ju{ lkm6_
lgdf{0f u/]sf] cjwLM !) aif{
3/sf] cg'dflgt d"NoM ?=!,)),)))

-u_ cGo -kz'÷k+5L, pBf]u cflb_= b'x'gf] e}+;L !
u sf] hDdf cg'dflgt d"No ?=!%,)))

-3_ s, v / u sf] hDdf d'No ?=&,!%,)))

&= lwtf]df lbOg] hUuf÷3/====hUuf @ ljufx / 3/ cg'dflgt d"No, ?=&,)),)))=====================
*= kfl/jfl/s laa/0f M
-s_ kl/jf/ ;+Vof M hDdf * hgf
dlxnfM @ hgf, k'?if M # hgf, s]6fs]6L M # hgf
-v_ kl/jf/sf] aflif{s vr{ ?=^,%),)))
-u_ kl/jf/sf] -d'Vo d'Vo_ k]zf M
v]tL, kz' k+5L kfng, u}x s[lif ultljlw
-3_ kl/jf/sf] aflif{s s"n cfDbfgL ?=&,%),)))

(= ;+rfng ug{ rfx]sf] Joj;fo M
-s_ sf] lsl;dM d'Vo k]zf÷;xfos k]zfM ;xfos k]zf
-v_ sf] nflu sRrf kbfy{ cfk"lt{ x'g] ;a eGbf ghLssf] :yfg / b'l/ M e]}/xjf, !) ls=ld=
-u_ af6 pTkflbt tof/L ;fdfg laqmL ul/g] ahf/, ;jeGbf glhssf] :yfg / b'l/M :yfgLo
-3_ sf] cg'dflgt s"n nfut ?=#,!),))) :jnfut ?=@,)),)))
-ª_ dfu ug{ rfx]sf] shf{sf] lsl;d / /sdM ;+rfng ?=!,!),))), :yL/ M grflxg]

!)= s'g} JolQm jf laQLo ;+:yf ;+u shf{ sf/f]jf/ ePsf]÷gePsf], ePsf] eP sxf+ af6 / ltg{ af+sL /sd sxf+af6 /f=jf=a}+s a'6jn af6 ltg{ af+ls /sd ?=%),)))

!! ;f]wk'5 ug{] sd{rf/Lsf] /fo M shf{ dfu ug{ pko'Qm cfwf/ ePsf]÷gePsf] M pko'Qm cfwf/ ePsf]

!@= ;f]wk'5 ug{] sd{rf/Lsf] gfd ÷kb÷sf]8 g+= === === === === ==
;xL M=====================================
ldltM ====================================

!#= ;f]wk'5 ul/Psf] ufxssf] ;xL M ====================================
ldlt M ====================================






C:\TMC\Finalized Credit Manual Formats 2061\Anusuchi No. 1 Sodha Puchh Pharam .doc


cg';"rL #
s[lif ljsf; a}+s ln=
-sDkgL P]g @)%# cg';f/ :yflkt_
zfvf sfof{no, ?kGb]xL
kmf]g g+=====================
Kfm\ofS; g+=================

s[lif lasf; a+}ssf] shf{sf] nflu
cfj]bsn] k]; ug{'kg{] hfgsf/L÷sfuhftx?

-shf{ sfo{ljlw @)^! sf] bkmf @=# ;+u ;+alGwt_

-cfj]bsnfO{ lgb{]zgM cfjZostf cg';f/ lgDg lnlvt sfuhftx?sf] kltlnlkx? k]; ug{'xf]nf . cfjZos sfuhftx? kfKt ePkl5 shf{ clws[tn] b:tvt u/L ldlt ;d]t /fVg]5g / clen]vsf] nflu of] kmf/fd tkfO{nfO{ kmsf{pg] 5g . cfjZos sfuhftx? k]; gu/]df tkfO{sf] shf{ cfj]bgsf] kzf]wgdf l9nfO{ x'g hfg]5 jf kzf]wg cufl8 a9fpg cl:js[t ;d]t x'g;Sg] 5 ._

;f]wk'5stf{÷cfj]bssf] gfd÷7]ufgf M /fdaxfb'/ cfn] , dl0fufd uf=lj=;= ?kGb]xL,shf{sf] p2]Zo M Aofkf/


k]; ug'{kg]{ hfgsf/L÷sfuhftx?
-kltlnkLx? dfq h?/L ePdf kdfl0ft ug{'kg{]_
-s[lif lasf; a+}ssf] kof]usf] nflu dfq _
h?/L ePsf sfuhkqx? lrGx nufO dfu ug]{
kfKt u/]sf sfuhkqx?df lrGx nufpg]
!=
cfj]bssf] gful/stfsf] kdf0fkq
Ö
Ö
@=
cfj]bssf] kf;kf]6{ ;fO{hsf] @ ktL kmf]6f]
Ö
Ö
#=
Z}lIfs kdf0fkqx?


$=
shf{ lng] s[= la= a+}ssf] sfof{nodf vf]n]sf] a+}s vftfsf] kdf0f -ePdf_


%=
s[=la=a+}s;Fusf] klxn]sf ;+jGwx?sf] ljj/0f
-vftf ga+/, zfvfsf] gfd cflb_
Ö
Ö
^=
cfo >f]tsf] kdf0f


&=
shf{ /sd / p2]Zoaf/] 5f]6f] ljj/0f
Ö
Ö
*=
lwtf];Fu ;+jlGwt sfuhftx? M



s= ljut ^ dlxgf leq gfkL clws[tn] kdfl0ft u/]sf] hUufsf] gS;f
Ö
Ö

v= nfnk"hf{ jf cGo ;+klQsf] nflu :jfldTjsf] kdf0f
Ö
Ö

u= rfn' cf=a=sf] dfnkf]t lt/]sf] /;Lb
Ö
Ö

3= gfkL x'g afFsL 3/ hUufsf] nflu, e"ld ;'wf/ sfof{non] hf/L u/]sf] kmf/fd $ / &



ª lwtf]df /flvg] hUufsf] gfkL gSzf / 3/n] rr{]sf] jf 38]l/ hUufsf] 6«]; u/]sf] gS;f ;d]t



r= gfkL gePsf] hUufsf] nflu ;+aGwLt lgsfosf] sfof{non] $ lsNnf kdfl0ft u/]sf] kq



5= lwtf]df /flvg] 3/sf] t:jL/ -kmf]6f]_]



h= ;x/L If]qsf] nflu ;+aGwLt lgsfoaf6 l:js[t gS;fx?



em= k:tfljt lgdf{0f sfo{sf] nflu O+lhgLo/n] u/]sf] nfut cg'dfg



`= :jfldTj x:tfGt/0f ePsf] ldltn] # aif{ gk'u]sf] cj:yfdf gfd;f/L jf >f]tsf] kdf0f÷lnvt -C0fLn] ;f] lwtf] s;/L kfKt u/]sf]_
Ö
Ö

6= t]>f] kIfsf] lwtf]sf] xsdf, ;f] kIfsf] d+h'/L kq, p;sf] gful/stf kdf0f kqsf] kltlnlk / @ yfg kmf]6f]x?



7= ;f] lwtf] cfj]bssf] g} xf] egL ;+alGwt gu/kflnsf jf ufpF ljsf; ;ldltn] u/]sf] l;kmfl/;kqx? ;+alGwt gu/kflnsf jf uf=lj=;af6 lwtf]sf] rf/ lsNnf kdfl0ft u/]sf]
-kdf0fkq_
Ö
Ö
(=
cfjZostf x]l/ ufpF lasf; ;ldlt, gu/kflnsf sfof{no, g]kfn ;/sf/sf] lgsfo jf bft[ ;+:yfsf] l;kmfl/; kqx?


!)=
v/Lb ug{ nfluPsf] pks/0fsf] aLn ljhs jf b/efp kq
-g]kfn ;/sf/sf] lgsfo jf s[=la=a+}s / s[=la=a+}sdf o:tf] ;fdfgsf] d"No clelnlvt ePdf aLn ljhs jf b/efp kq grflxg]_


!!=
d"No clej[l4 s/, cfos/, /fh:j :yfoL vftf ;+Vof -PAN_ sf] /lhi6«]zg kdf0fkqx?
Ö
Ö
!@=
ut cf=a=sf] cfos/ a'emfPsf] kdf0fkq


!#=
S+klg /lhi6«]zg sfuhftx?–kjGwkq / lgodfjnL, s+klg btf{ kdf0f kq


!$=
rfn' kl/of]hgfsf] xsdf ljut # aif{sf] n]vf k/LlIft af;nft / gfkmf–gf]S;fg lx;fjx?
-?=% nfv eGbf dflysf] kl/of]hgfdf dfq_


!%=
s[=la=a+}saf6 shf{ lng] af/] ;+rfns ;ldlt jf ;fem]bf/x?sf] lg0f{o


!^=
cfjZostf x]l/ a}s, ljlQo ;+:yf tyf Jofkfl/s 3/fgfaf6 lng'kg{] ;fv ;"rgf
Ö
Ö
!&=
cGo -shf{ clws[t÷;xfosn] tf]s] cg';f/_


Ö
Ö

s[lif lasf; a+}ssf] kof]usf] nflu dfq
;+alGwt shf{ cfj]bgnfO{ k'i6L ug{] u/L dflysf sfuhftx? kfKt ePsf] kdfl0ft ub{5' .
;f]wk'5stf{sf] btf{ g+=###

kfKt ldlt
@)^#.&.!(
shf{ clws[t÷;xfossf] gfd===========================

zfvf
==============================
b:tvtM======================================================



















C:\TMC\Finalized Credit Manual Formats 2061\Anusuchi No. 3 Krishi Vikash Bankko Karjako Lagi Aabedakle Pes...doc

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