Parties of the case

Mr. Sushil Joshi authorized by Himalayan Bank Ltd………………………………...plaintiff

Vs.

Mr. Rajeshwor Man Singh, a resident of Kathmandu Metropolitan City,  and others......... ………………...............……………….......................................…………………defendants

Brief description :

Himalayan Bank Limited has filed a suit as a complaint stating that the Elite Consultant Pvt. Ltd. had borrowed an overdraft loan (O/D) equivalent to Rs. Ten million  on 19/07/1994 AD. It was renewed on 06/03/1995 AD. Mr. Guna Bahadur Dhakhwa and Rajeshwor Man Singh ,   prompters of the company mortgaged two plots of land and houses  of Kathmandu and Lalitpur city area, as collateral, for O/D.  The bank has recovered NRs. 14,770,000 only on 04/08/2058 BS (19/11/2001 AD) by auctioning the offered collaterals.   But the bank is dues were not fully recovered mainly due to interest. The defendants still have to pay NRs. 10,564,890.12 to the bank as of   14/04/02059 BS (30/07/2002 AD). So, the bank has also claimed from the personal guarantors in order to recover the remaining due NRs. 10,564,890.12 .

Mr. Shankar Shah, one of the guarantors defendants has submitted a note of defense. No summons have been delivered to other three defendants Mr. Rajeshwor Man Singh, Paramananda Singh and Ramananda Singh. Summons are in the process of delivery in accordance with the regulation of the Debt Recovery Tribunal.  This case shall be presented before the bench after fulfilling required procedures within the legal timeframe. 

Case No:                03 of 2060 BS (2003 AD)
Date of registration: 08/06/2060 BS (25/09/2003 AD)
Case:                     Debts Recovery (New case lodged directly in the Tribunal)
Claimed amount:     NRs.6,168,792/17 

Mr. Netra Bahadur Rana on behalf of Agricultural Development Bank, Battisputali Branch Kathmandu........................................................………………………………...plaintiff

Vs.

Mr. Man Mohan Sinkhada of Dharan, and others Eastern Nepal, temporarily residing in Gausala, Kathmandu ................................................................................................. Defendant

Brief description : 

Agricultural Development Bank, Central Office registered a complaint stating that Mr. Sinkhada had borrowed Rs. 1.24 million as overdraft (OD) from the Bank in two installments on 2050/10/14 BS (28/1/1994AD) and 2050/11/12 BS (24/2/1994AD). The credit was meant for financing the borrower's hume-pipe manufacturing industry in Dharan. The maturity of the OD was originally 2051/5/30  BS (17/9/1994 AD) and was later extended up to 2052/4/32 BS (17/8/1995AD) by the Bank after the receipt of interest. But, despite of repeated reminders, both verbal and written, the defendant didn't repay the dues to the Bank. Subsequently, the Bank tried twice to auction land Bigha 0-2-13 of Dharan mortgaged as collateral but with no avail.  

Meanwhile, the borrower sued the lending bank once in the district court and again in the Supreme Court  complaining of the practice of capitalizing interest as illegal. However, the two cases ended-up with the verdict in favour of the Bank.  

The Tribunal has issued 15 days summon in the name of the defendant on 2060/6/23 BS (10/10/2003AD) and the note of defense is expected after the delivery of the same.

btf{ g++ M–       $
btf{ ldlt M–    @)^).^.#)
bfjL /sd M ?= !&,(#,))@.##
lgj]bs M g]kfn a}+s ln=
k|ltjfbL M–     sf=lh=sf=d=g=kf= j8f g++ @$ OGb|rf]s a:g] /fhs'df/ cu|jfn ;d]t .
d'2f M–         C0f c;'nL 

d'2fsf] ;+lIfKt ljj/0f M– 

g]kfn a}+s ln= n] /fhs'df/ cu|jfn / lghsf clVtof/k|fKt efO{ sdns'df/ cu|jfnnfO{ sk8f lwtf] /fvL k6s k6s u/L ?= %,^),))).– 5 dlxgfsf] nflu @)$@.)$# ;fndf shf{ lbPsf] lyof] . pko'{Qm shf{df sk8fsf] lwtf]sf] cltl/Qm cGgk"0f{ 6«feN;sL cGgk"0f{ l3ld/]sf] hdfgL ;d]t a}+sn] lnPsf] lyof] . shf{ c;'n ug]{ ;DaGwdf a}+sn] C0fLnfO{ k6s k6s t/tfs]tf ug'{sf ;fy} ldltM @)$%.!@.@) sf] uf]/vfkqdf #% lbg] ;"rgf k|sflzt u/]sf] lyof] .  Tof] ;"rgf adf]lhd lnnfd laqmL x'g g;s]kl5 a}+s cfkm}+n] cGo u|fxs vf]Hg] qmddf ;f] lwtf] dfn /fd >]i7 eGg] JolQmnfO{ ?= #,@),))).– df laqmL u/]tfklg  cem}+ ?= !&,!#,))@.## C0f c;'n x'g g;s]sf]n] hdfgL lbg] cGgk"0f{ l3ld/]nfO{ ;d]t sf7df8f}+ lhNnf, cbfntdf d'2f xfn]sf] / ;f] d'2f o; Gofoflws/0fdf ;l/cfPsf] 5 .

k|:t't d'2fsf k|ltjfbL @ hgf cu|jfnx?sf] gfpFsf] Dofb tfd]n cem} e} g;s]sf]n] To; tkm{ sf/jfxL x'g] qmddf /x]sf] 5 .

btf{ g++ M–       %
btf{ ldlt M–    @)^).^.#)
bfjL /sd M ?= @#,$*,$&^.%$
lgj]bs M lxdfnog a}+s ln=
k|ltjfbL M–     lg/Ghg k|;fb cu|jfn ;d]t
d'2f M–         C0f c;'nL

d'2fsf] ;+lIfKt ljj/0f M–

lxdfnog a}+s ln= n] af/f 6]«l8Ë k|f=ln= nfO{ cf]e/8«fkm\6 shf{ ?= @) nfv, k|tLtkq -Pn=;L=_ shf{ ?= *% nfv / 6«i6 l/l;K6 -lwtf]_ shf{ ?= %) nfv ;d]t hDdf ?= ! s/f]8 %% nfv # hgj/L !((& sf] shf{ :jLs[t kq cg';f/ shf{ lbPsf] lyof] .

C0fLnfO{ a}+sn] ;fjfF Aofh ;dodf a'emfpg t/tfs]tf ubf{ / #% lbg] tyf !% lbg] ;"rgf uf]/vfkqdf k|sflzt ubf{ ;d]t C0f r'Qmf ug{ C0fLn] rf;f] gb]vfPsf]n] lwtf] /x]sf] sdnfbLsf] 3/ hUuf a}+saf6 lnnfd a9fa9 eof] h;af6 ?= ! s/f]8 *@ nfv p7\of] . C0fLn] ltg{ a'emfpg afFsL /sd a'emfpgsf] nflu JolQmut hdfgL lbg] lg/~hg k|;fb cu|jfn ;d]taf6 ldlt @)%(.!@.% ;Ddsf] a}+ssf] afFsL n]gf /sd ?= @#,$*,$&^.%$ / km};nf x'g] lbg ;Ddsf] Aofh / sf]6{ lkm ;d]t e/fO{ kfpF eGg] bfjL lgj]bg k/]sf] 5 .

k|:t't d'2f !% lbg] Dofb tfd]n u/fpg] r/0fdf /x]sf] 5 .

btf{ g+= ^
bfjL /sd M !,!$,((,($).#)
jfbL

sf7df8f}+ lh= wd{ky l:yt g]kfn a}+s lnld6]8 sf7df8f}+ clkm;sf tkm{af6 P]= sf clVtof/L k|fKt sf=d'= d'Vo k|jGws rlGb|sf k|;fb ?kfv]tL sf] jf P]= P]= k|wfg sfof{no sfg"g ljefudf sfo{/t g[k]Gb| nfn df:s] k|ltjfbL

sf7df8f}+ lhNnf hf]/kf6L uf=lj=; j8f g+=* d'nkfgL l:yt d0fL un}+rf pBf]u ;d]t hgf – &  

d'2fsf] ;+lIfKt ljj/0fM–

g]kfn a}+s ln= n]] ljkIfL dWo]sf dl0f un}+rf pBf]usf k|f]= r'8fdl0f vltj8fnfO{ lghsf] sf/f]jf/ a[l4 ug{  xfOkf]lys]zg shf{ cGt/ut ldlt @)%%.$.@) df ?=%^,)),))).– -cIf]?kL M 5kGg nfv dfq_ shf{ k|bfg u/]sf] lyof] . ;'/If0f jfkt ljleGg JolQmsf gfpFdf btf{ /x]sf] ls=g+= !(!,!&^,@#(,@$*,@!(,@@),@@$ / !($ sf] 3/hUuf b[li6jGws a}+snfO{ kf; ul/ lbPsf] / shf{sf] e'QmfgL ug]{ Dofb ldlt @)%^.$.@) df ;dfKt e} ;s]tfklg ljkIfLx?n] pQm shf{ ga'emfPsf]n] ;'/If0f /fv]sf] crn ;Dklt ldlt @)%*.@.!^ df lnnfd ljqmLsf] nflu uf]/vfkqdf ;"rgf k|sflzt klg ul/;lsPsf] 5 . a}+sn] lng' kg]{ /sd ;fFjf Aofh c;'n pk/ ug{ jfl0fHo a}+s P]g @)#! sf] bkmf $& / $&s adf]lhd sf/jfxL rnfpbf ;d]t a9fa9df sf]xL klg vl/b ug{ OG5's JolQm pkl:yt geP kl5 a}+sn] shf{jfnf, wghdfgL a:g] JolQm / shf{sf] nflu lwtf] lbg] Joltmx?nfO{ ;d]t k6s–k6s tfs]tf ubf{ klg pQm shf{ c;'n pk/ x'g g;s]sf]n] C0f c;'nL P]g, @)%* sf] bkmf !% adf]lhd ;fFjfAofh ?= !,!$,((,($).#) -cIf/]kL Ps s/f]8 rf}w nfv pGgfg;o xhf/ gf} ;o rfln; ?k}ofF tL; k};f dfq_ / btf{ ePsf] ef]lnkN6b]lv lauf] el/e/fp x'Fbf;Ddsf] a}+s lgod cg';f/sf] Aofh, Aofhsf] Aofh tyf a}+s lgod adf]lhd ;f] Aofh /sdsf] ! k|ltztsf b/n] nfUg] k]gfn Aofh / of] ph'/L lgj]bg btf{ ubf{ nfu]sf] b:t'/ ;d]t ljkIfLx?af6 lbnfO{e/fO{ kfpF eGg] ;d]t Joxf]/fsf] ph'/L lgj]bg .

pk/f]tm ph'/L lgj]bgsf] cfwf/df ljkIfLx?sf gfdsf] !% lbg] Dofb ldlt @)^).&.% df ljkIfLx?sf] gfddf hf/L ul/Psf] 5 .

btf{ g+M &
btf{ ldltM @)^).^.#)
bflj /sdM  ? !,$^,^$,&$#.&^
d'2fM C0f c;'nL
jfbL M g]kfn a}+s lnld6]8, wd{ky
k|ltjfbL M z]/f sfk]{6 pBf]u ;d]t & hgf 

d'2fsf] ;lIfKt ljj/0fM– 

ljkIfLx? dWo] z]/f sfk]{6 pBf]usf k|f]= bLkaxfb'/ sfsL{nfO{ lghsf] sf/f]jf/ a[l4sf nflu g]kfn a}+s lnld6]8, wd{kyn] xfOkf]lys]zg shf{ cGt/ut jflif{s !$=%) k|ltzt Jofhb/df ldlt @)%%.&.!* df Ps jif{sf] efvf sfod u/L ?= &$,#),))).– shf{ k|bfg u/]sf] lyof] . ;'/If0f jfkt ljkIfLn] sfe|] lhNNff ;fljs ;fFuf uf=lj=;= j8f g++ $ -s_ xfn gfl;sf:yfg gu/pGd'v uf=lj=;= j8f g++ # l:yt gf/fo0feQm >]i7 / /fdrGb| >]i7sf] gfpFdf ;+o'Qm btf{ ePsf] ls=g+= %!# sf] If]=km= @–$–)–) / ls=g+= !&%( sf] If]qkmn #–!$–)–) sf] ?=(@,)),))).– sf] /=g+ !#@) jf6, ldlt @)%%.^.& df lai0f' etm >]i7sf] gfddf btf{ ePsf] P]=P]= ls=g+= !&%& If]=km= )–!@–)–) hUuf ldlt @)%%.^.@^ df /=g+= !#!* af6 ?= !@,)),))).– df a}+ssf gfpFdf b[i6LaGws kf; ePsf] lyof] . To;}u/L /fd rGb| >]i7sf] gfddf btf{ sfod ePsf] P] P]= ls=g++ !&&* If]=km= )–!@–)–)   hUuf ldlt @)%%.%.@^ df /=g+=!#!( af6 ?= !@,)),))).– a}+ssf]  gfddf b[i6LaGws kf; u/LlbO{ shf{ sf/f]jf/ u/]sf]df shf{sf] efvf Dofb @)%^.&.!& ;Dddf shf{sf] zt{ cg';f/ glt/]sf]n] c;'nLsf] nflu ;'/If0fdf /x]sf] crn ;Dklt lnnfdsf] nflu ;"rgf ;d]t k|sflzt ubf{ klg lnnfddf s;}sf] klg jf]nsjf]n gk/]sf]n] ph'/L lgj]bgbtf{ u/]sf] ldlt ;Ddsf] ;fFjf ?= &%,@&,$$$.&^ / Aofh ?= &!,#&,@((.– ;d]t u/L hDdf ;fFjf Aofh ?=!,$^,^$,&$#.&^ / ph'/L btf{ u/]sf] ef]lnkN6b]vL ljuf] el/e/fp x'g] lbg ;Ddsf] pk/f]Qm bfjL /sdsf] ;os8f !#=%) k|ltztsf b/n] x'g] Aofhsf] Aofh tyf !Ü b/n] nfUg] k]gfn Aofh / ph'/L lgj]bg btf{ ug{ bflvnf u/]sf] b:t'/ ;d]t k|ltjfbLx?af6 lbnfO{ e/fO{ kfpF eGg] ;d]t Aoxf]/fsf]]] ldlt )^).^.#) sf] ph"/L lgj]bg kq k|fKt ePsf] .

pk/f]tm ph"/L lgj]bgsf] !% lbg] Dofb ldlt @)^).&.% df lakIfLx?sf] gfddf hf/L ul/Psf] 5 .

btf{ g++ M–       *
btf{ ldlt M–    @)^).^.#)
d'2f M–         C0f c;'nL 
bfjL M–         ?= @,!&,#%,^#%÷%%
jfbL M–         sfGtLky l:yt g]kfn a}Í lnld6]8
k|ltjfbL M–     b/jf/dfu{l:yt b/jf/xf]6n ;d]t

d'2fsf] ;+lIfKt ljj/0f M–

g]kfn a}+s lnld6]8n] l/elNj+u rfn' k"FhL shf{sf] nflu ljleGg crn ;Dklt ;'/If0f tyf JolQmut hdfgLsf] cfwf/df b/jf/ xf]6n, sf7df8f}nfO{ ldlt @)%%.*.@% df Ps aif{sf] efvf sfod u/L ldlt @)%% ;fn dfu{ @% ut] ?= !,$),))))) .– shf{ k|jfx u/]sf]= lyof] . shf{sf] zt{x?df cGo s'/fx?sf] cltl/tm jflif{s ;os8f !$=@%Ü sf b/n] Aofh ltg]{ / k|To]s #÷# dlxgfdf ls:tf a'emfpg] u/]/ ! jif{leq k|ltjfbL xf]6nn] a}}ÍnfO{ shf{ r'Stf ug'{ kg]{ lyof] . ljkIfLx?n] efvfleq shf{ glt/]sf] / shf{ c;'n ug{ a}Ín] ljkIfL;Fu oy]i6 5nkmn tyf kqfrf/ ubf{ klg shf{ r'Stf ug{ s'g} rf;f] g/fv]sfn] ;'/If0f jfkt /fv]sf] lwtf] lnnfd ug{ k6s k6s ;"rgf lgsfNbf klg s;}sf] jf]nsjf]n gk/]sf]n] c;'n x'g jfsL ;f+jf ?=!,$),%@,)^^.^*, ph'/L lgj]bg btf{ x'Fbfsf ldlt ;Ddsf] Jofh ?=&^,*#,%^*.*& ;d]t u/L s'n ?= @,!&,#%,^#%÷%%Ù / ph'/L lgj]bg btf{ ePsf] ef]lnkN6 b]lvel/e/fp x'g] lbg ;Ddsf] !#Ü sf b/n] nfUg] Jofhsf] Jofh, !Ü sf b/n] nfUg] k]gfn Jofh , nfUg] b:t'/ / cGo vr{ ;d]t ljkIfL b/jf/ xf]6]n Pj+ JolQmut hdfgL lbg]x?jf6 c;'n pk/ u/L kfpF eGg] ph'/L /x]sf] 5 .

pQm d'2f b'a} kIf ldnfkq ug{ d~h'/ u/L lgj]bg lbPsf]n] ldlt @)^).!!.$ df ldnfkq u/fOlbO{ d'2fsf] nut s§f ul/Psf] 5 .

btf{ g++ M–       (
btf{ ldlt M–    @)^).&.%
bfjL /sd M ?= !,#(,^&,%!*÷^^
lgj]bs M lj/u~hl:yt g]=a}=ln= l;6L clkm;
k|ltjfbL M–     jf6f lnkgLdfnf l:yt c/ljGb 6]S;6fon ;d]t 
d'2f M–         C0f c;'nL 

d'2fsf] ;+lIfKt ljj/0f M– 

g]=a}=ln= l;6L clkm; lj/u~hn] c/ljGb 6]S;6fonnfO{ lh= k;f{ ejfgLk'/ j8f g+= * a:g] /tgnfn k|;fb /f}lgof/sf] gfdsf] ljleGg hUuf ;'/If0fdf /fvL aln/fd, ;'ldqfb]jL, ho/fd tyf b'/dtL b]jL /f}lgof/sf] JolQmut hdfgLsf ;d]t cfwf/df ldlt )%^.@.@# df ?= $%,)),))).– / ldlt )%^.!).$ df ?=$),))),)).– jflif{s !$Ü sf b/n] Aofh ;lxt ! jif{ leq a'emfpg] u/L shf{ k|bfg u/]sf] lyof] . shf{ c;'n ug]{ ;DaGwdf a}+sn] ;f] C0fL;Fu k6s k6s df}lvs tyf lnlvt t/tfs]tf ug'{sf ;fy} ldlt @)%(.!@.@^ df lnnfd a9fa9 ug]{ k|of; u/]sf], ;f] c;kmn eP kl5 ldlt @)^).%.!& ;Dddf l;naGbL af]nkq cfJxfg u/]sf]df s'g} af]nkq klg gk/]sf] x'gfn] a}+sn] oy]i6 sfd sf/jfxL ubf{ ;d]t C0f c;'n pk/ x'g g;s]sf] x'Fbf ldlt @)^).^.#) ;Ddsf] ;fFjf Aofh ?= !,#(,^&,%!*.^^, )^).&.!. b]lv ljuf] /sd e/Le/fp x'g] lbg;Ddsf] !@=%Ü sf b/n] Aofh ;d]tsf] ;fFjf Aofh /sd, Aofhsf] Aofh, !Ü sf b/n] nfUg] k]gfn Aofh b/ cGo vr{ Pj+ b:t'/ ;d]t ljkIfLx?af6 c;'n pk/ u/fO{ kfpF eGg] d'Vo lgj]bg lhsL/ .

pk/f]tm ph'/L lgj]bgsf] cfwf/df ljkIfLx?sf gfdsf] !% lbg] Dofb ldlt @)^).&.% df hf/L ul/Psf] 5 .

btf{ g++ M–       !)
btf{ ldlt M–    @)^).&.%
bfjL /sd M ?= #,%^,^#,*().@$
lgj]bs M aL/u~hl:yt g]=a}=ln= l;6L clkm;
k|ltjfbL M–     k;f{l:yt ah/+u 6flsh ;d]t
d'2f M–         C0f c;'nL 

d'2fsf] ;+lIfKt ljj/0f M– 

g]kfn a}+s ln= l;6L clkm; aL/u~hn] ljkIfL ah/+u 6flsh k|f=ln= sf] cfkm\gf] gfdsf] hUuf Pj+ kl/of]hgfsf] cGo ;DklQ ;d]t ;'/If0fdf /fvL  /fdfgGb rf}w/Lsf] JolQmut hdfgLsf] klg cfwf/df pQm 6flshnfO{ ljleGg ldltdf ?= !,(&,)),))).– shf{ k|bfg u/]sf] lyof] . pQm shf{ jflif{s !$=@%Ü sf b/n] Aofh ltg]{ u/L % jif{leq -clGtd Dofb ldlt @)^).^.& ;Dd_ dfl;s ls:tfjGbLn] j'emfpg] zt{ /flvPsf] lyof] . shf{ c;'n ug]{ ;DaGwdf a}+sn] ;f] C0fL;Fu k6s k6s df}lvs tyf lnlvt t/tfs]tf ug'{sf ;fy} ldlt @)%(.!@.@^ df lnnfd a9fa9 ug]{ k|of; u/]sf], ;f] c;kmn eP kl5 ldlt @)^).%.!& ;Dddf l;naGbL af]nkq cfJxfg u/]sf]df s'g} af]nkq klg gk/]sf] x'gfn] a}+sn] oy]i6 sfd sf/jfxL ubf{ ;d]t C0f c;'n pk/ x'g g;s]sf] x'Fbf ldlt @)^).^.#) ;Ddsf] ;fFjf Jofh ?=#,%^,^#,*()÷@$, lgj]bg btf{ ePsf] ef]lnkN6sf lbgb]lvsf] !$Üsf b/n] nfUg] Jofh, !Ü k]gfn Jofh / cGo b:t'/ Pj+ vr{ ljkIfLjf6 c;'n u/fO{ kfpF eGg] d'Vo lgj]bg bfjL .

pk/f]tm ph'/L lgj]bgsf] cfwf/df ljkIfLx?sf gfdsf] !% lbg] Dofb ldlt @)^).&.% df hf/L ul/Psf] 5 .

btf{ g+=M–      !!
lgj]bs M–     a}+s ckm sf7df8f}+
k|ltjfbL M–     u0fktL pmgL wfuf] s6fO{ pBf]u ;d]t–#
d'2f M–         C0f c;'nL
bfjL /sd M–   (&,^*,*&(.^* 

d'2fsf] ;+lIfKt ljj/0fM–

a}+s ckm sf7df8f}+n] u0fklt pmgL wfuf] s6fO{ pBf]unfO{ tf/]v !((%.(.@@ df General Letter  of Hypothecation sf] lnvt u/L k|tLtkq dfkm{t lghn] cfoft ug]{ dfn;fdfgx? / kmd{sf] :6sdf /xg] cGo dfnsf] ;'/If0f / JolQmut hdfgL /xg] u/L ?= !,)),)),))).–  ;Ddsf] shf{–l;df cGtu{t hDdf ?= $(,%@,))).– sf] shf{ sf/f]jf/ u/]sf]df C0fLnfO{ a}+sn] ;fFjf Aofh ;d]t ;do–;dodf a'emfpg t/tfs]tf ubf{ , sfnf] ;"rLdf /fVg] / #% lbg] ;"rgf sflGtk'/ / uf]/vfkqdf k|sflzt ubf{ ;d]t C0fLn] C0f r'Qmf ug{ rf;f] gb]vfPsf]n] a}+ssf] ;fFjf /sd ?=$(,%@,))).– / Jofh $*,!^,*&(.^* ;d]t u/L ?= (&,^*,*&(.^* / km};nf x'g] lbg ;Ddsf] Aofh ;d]t ljkIfLx?jf6 e/fO{ kfpFeGg] bfjL lgj]bg k/]sf] 5 .

k|:t't d'2f !% lbg] Dofb tfd]n u/fpg] r/0fdf /x]sf] 5 . 

d'2f g+= !@
d'2f btf{ ldlt @)^).^.!$
d'2f M–  C0f c;'nL 
bfjL /sd  M–  $!,)#!^).^#
ph'/L lgj]bs M– df]/ª lhNnf lj/f6gu/ p=k=d=g=kf=l:yt g]kfn a}+s lnld6]8 lj/f6gu/
lj?4
k|ltjfbL M df]/ª lhNnf lj/f6gu/ pk=d=g=kf= j8f g+= !$ l:yt sfof{no /x]sf] Plnhf u|Ln pBf]u–! 
P]=P]= a:g] P]= pBf]u k|f]= /fh]z l3ld/] – ! 
P]=P]= j8f g+= !% lk5/f a:g] /lag s'df/ bfxfn – ! 

d'2fsf] ;+lIfKt ljj/0f

g]kfn a}+s lndL6]8  l;6L clkm; lj/f6gu/n] Plnhf u|Ln pBf]u , P]=sf= k|f]kfO6/ –/fh]z l3ld/] / /ljg s'df/ bfxfnnfO{ sRrf kbfy{x?sf]] e'QmfgL ug{sf] nflu jflif{s !%=%Ü sf] b/n] Jofh j'emfpg] u/L @jif{ cjlwsf] lglDt ldlt @)%# .^.! df ;d]t u/L hDdf ?= !%,)),))).–-kGw| nfv_ shf{ lbPsf], ;f] shf{ jfkt / lgh bfxfnsf] gfpFdf btf{ ePsf] df]/ª h'Nnf lj/f6gu/ p=d=g=kf=^ sf] lsQf g+=$^% sf] If]qkmn )–!@–) sf] hUuf ldlt @)%^.^.@* df ;'/If0f lnlvt kf; u/L lnPsf] .

 shf{ c;'nLsf] nflu a}+sn] k6s k6s t/6fs]tf ubf{ ;d]t glt/]kl5 ldlt @)%%.(.#) df lwtf] ;'/If0f /x]sf] hUuf lnnfd laqmL ;DaGwL #% lbg] ;"rgf k|sflzt u/]kl5 af]nsaf]n ug{ sf]xL JolQm pkl:yt gePsf]n] a}+s cfkm}n] ;sfg{ ;Sg] u/L ldlt @)%%.!!.^ df lnnfdL d'r'Nsf ePsf]. lwtf] /x]sf] hUuf lnnfd x'g g;sL k'gM ldlt @)%(.*.( sf] uf]=k=df ;"rgf k|sflzt ubf{ klg af]nkq lznjGbL kg{ gcfPsf] egL ldlt @)%(.(.!) df d'r'Nsf ePsf] .

ljkIfLx? af6 ;fFjf ?= !%,)@,*%$.^# / Jofh ?= @^,)),#)^.–;d]t hDdf ;fFjf Jofh ?= $!,)#,!^).^# / lgj]bg btf{ u/]b]lv el/e/fp x'g] lbg;Ddsf] a}+s lgodfg';f/ ;os8f !#Üsf b/n] nfUg] Jofh / ;f] df !Ü sf b/n] x'g] k]gfn Jofh ;d]tn] x'g] /sd ;d]t lbnfO{ e/fO{ kfFp eGg] ph'/L lgj]bg .

 xfn k|:t't d'2fsf] Dofb hf/L x'g] r/0fdf /x]sf] 5 .

d'2f g+= !#

!=     ph'/L lgj]bssf] gfd 7]ufgf –       sf=lh= sf=d=g=kf=j8f=g+= #) l:yt

                                          lxdfnog a}+s lnld6]8

lj?4

k|ltjfbL

!=sf=lh=sf=d=g=kf=^.#! j8f g @$ gofF ;8sl:yt  cGgk'0f{ 6]S;6fOn k|f=ln=

@=       sf=lh=sf=d=g=kf=j8f g+=$ dxf/fhu+h r'gb]jL a:g] cGgk'0f{ 6]S;6fOnsf] ;+rfns clgn hfl6of–

#=       P]=P]=j:g] P]=P]=sf ;+rfns ;'lgn s'df/ hfl6of–

$=     P]=P]= a:g] P]P]sf ;+rfns >LdtL k'ikf b]jL hfl6of–

%=     r08L k|;fb cu\jfnsf] 5f]/f sf=lh sf=d=g=kf=j8f g=!! a:g] P]=P]=sf z]o/wgL pk]z s'df/ cu|jfn

bfjL M–

;fFjfM– !,)),)),))).–

JofhM–   #@,*%,!^!.*)

d'2fsf] ;+lIfKt ljj/0f

d'2f g+=!$

lgj]bs M–sf=lh= wd{ky l:yt g]kfn a}s lnld6]8sf sf7df8f} clkm;sf tkm{jf6 clVtof/k|fKt d'Vo k|jGws cgn /fh e§/fO{ .

lj?4

k|ltjfbL M– sf=lh= lqk'/]Zj/ xfn sf=lh= sf=d=g=kf=j8f g+=# nflhDkf6l:yt g]kfn cf]l/o08 DofUg];fO{6 k|f=ln= kf]=a=g=!@$@, sf7df8f}+ .

d'2fM–  C0f c;'nL

bfjL /sd M–       !,@%,(%,%$&.%!

d'2fsf] ;+lIfKt ljj/0f

ljkIfLn] g]kfn a}+s lnld6]8jf6 k|fKt u/]sf] ?= ^,*%,@^).– ldlt @)%$.(.!^ sf] sf7df08f} lhNnf cbfntsf] km};nf tyf ldlt @)%^.(.@% sf] k'g/fj]bg cbfnt kf6gsf] km};nfjf6 ljkIfLn] lkmtf{ ug'{ kg{] ePsf] /sd ?= !,@%,(%,%$&.%! / km};nf eO{ ljuf] e/Le/fp ;Ddsf] ;os8f !^ k|ltztsf b/n] x'g] Jofh ;d]t ljkIfLjf6 lbnfO{ e/fO{ kfpF eGg] ;d]t Joxf]/fsf] lkm/fb bfjL . k|ltjfbLsf gfpdf ldlt @)%(.@.@& df tfd]n ePsf] Dofb leq k|ltjfb gu/L z'? Dofb} u'hf/L j;]sf] b]lvof] .

k|:t't d'2f sf7df8f}+ lhNnf cbfntjf6 o; Gofoflws/0fdf ldlt @)^).&.!& df k|fKt eO sf/jfxL cufl8 a9fpg  ;lsg] cj:yfdf 5 .

d'2f btf{ g+=        !%  

btf{ ldlt M– @)^).&.!&

d'2fsf] ;+lIfKt ljj/0f

d'2f btf{ g+=        !^  

btf{ ldlt M– @)^).&.!*

d'2fsf] ;+lIfKt ljj/0f

d'2f btf{ g+=        !& 

btf{ ldlt M– @)^).&.@^

d'2fsf] ;+lIfKt ljj/0f

d'2f btf{ g+=        !*  

btf{ ldlt M– @)^).&.@&

d'2fsf] ;+lIfKt ljj/0f

d'2f btf{ g+=        !(  

btf{ ldlt M– @)^).&.@&

d'2fsf] ;+lIfKt ljj/0f

btf{ g++ M– @)

btf{ ldlt M–          @)^).*.!

d'2f M–              C0f c;'nL

bfjL M–             ?= @,(*,#(,)(!.*&

z'Ns M–          #)@@!&.(@

d'2fsf] ;+lIfKt ljj/0f M–

ljkIfL dWo]sf OG6g]zgn 6«]8 Rofgnsf] k|f]kfO6/ cf]d k|sfz tfkl8ofn] lkm/fbL a}+snfO{ ldlt @)%#.!$ . sf lbg lgh cf]dk|sfz tfkl8of / ljkIfL dWo]s} lj/f6gu/ h'6ldN; lnld6]8sf ljrdf ;f] ldn ;+rfng  ug{sf] nflu ;Demf}tf b]vfO{  ;f] sf cfwf/df lghsf] ^ h'g !((& sf] kq kmfd{t cg'/f]w ug'{ eP adf]lhd sRrf h'6 pTkfbLt j:t', d]lzgdf h8fg x'g] kf6k"hf{ OTofbL ljleGg kl/df0fsf] ?=#,#$,@^,%$).– a/fa/sf] sRrf kbfy{ tyf tof/L ;fdfg lwtf] /fvL ldlt !* h'g !((& df ?= #, #$,@^,%$).– shf{ lnO{ a}+snfO{ Uof/]G6L j08 ul/lbg' ePsf] . ljkIfLn] ldlt @)%%.#.#! ut] a}+snfO{ n]lvlbPsf] hdfgL sa'lnotdf @)$).!.$.! df btf{ ePsf] k|f=km=g+= ($%^.$) sf] OG6/g]zgn 6]«8 Rofgnsf] k|f]kfO6/ d cf]d k|sfz tfkl8ofn] g]kfn a}+s ckm l;nf]g lnld6]8af6 ldlt O=;+= !((& h'g !& df l:js[t ePsf] shf{ /sd dWo] xfn cfhsf] ldlt;Dd shf{ pkef]u u/L afFsL /x]sf] ?= @,#^,*^,@)*.(^ / xfn;Dd afFsL /x]sf] Aofh / ;f] /sddf a}+s lgodfg';f/ nfUg] Aofh ;d]t cfhsf] #) lbg leq a'emfpnf elg ul/lbg' ePsf] sa'lnot / O=;+= !& h'g !((& sf lbg ul/lbg' ePsf] Uof/]G6L hdfgt ul/lbO{ ;dodf a}+sdf ;Dks{ ug{ gcfO{ ;fFjf Aofh ga'emfPsf]n] ljleGg ;'rgf k7fpbf ;d]t cfn6fn ug'{ePsf]n] @)%$.#.$ ut] o; a}+saf6 td;'s u/L lng' ePsf] shf{ /sdsf] cfh ;Ddsf] afFsL ;fFjf /sd ?= @#^,*^,@)*.(^ ;f] df nfUg] Aofh ?= ^!,%@,**@.(! u/L hDdf ?= @,(*,#()(!.*& ljkIfLsf] 3/ 3/fgfaf6 c;'n pk/ u/L kfpF eGg] ;d]t Joxf]/fsf]  ldlt )%^.#.@% sf] lkm/fb bfjL .

k|:t't d'2fdf ljkIfLx?sf] k|ltpQ/ ;d]t k/L clGtd r/0fdf k'u]sf] 5 .

Brief Description of Debt

Brief Description of Debt

  Brief Description of Debt

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