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Nkv`rmkbnkthd Ous`knss Amuka`d mj Knw Nkfdhke
Nknrfy Nkv`rmkbnkt Namkmby
NOA _cmen @sdhke Achptnr hke
_@QNW Wrmfrhb
_ns`d`nkt _cmen @sdhke
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_monrt A. Htwmme, WN, DQW
Ach`r, NOA _@ Achptnr
Wrns`enkt
_nsmuran Amktrmds
Nkv`rmkbnkthd Ous`knss Amuka`d mj Knw Nkfdhke
Nknrfy Nkv`rmkbnkt Namkmby
Vndambn
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Nkv`rmkbnkthd Ous`knss Amuka`d
_cmen @sdhke Qma`nty mjNkv`rmkbnkthd Wrmjnss`mkhds
Nkv`rmkbnkthd Ous`knss Amuka`d mj Knw Nkfdhke
Nknrfy Nkv`rmkbnkt Namkmby
Amddhomrht`kf Mrfhk`zht`mks
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Inddy Iknn
Wrmfrhb Ach`r & Bmenrhtmr
E`rnatmr mj Amhsthd Chzhre Qnrv`ans
_WQ HQH
Nkv`rmkbnkthd Ous`knss Amuka`d mj Knw Nkfdhke
Nknrfy Nkv`rmkbnkt Namkmby
@ktrmeuat`mk
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Lhknt Am`t
E`rnatmr
Enphrtbnkt mj Nkv`rmkbnkthd Bhkhfnbnkt
Qthtn mj _cmen @sdhke
Nkv`rmkbnkthd Ous`knss Amuka`d mj Knw Nkfdhke
Nknrfy Nkv`rmkbnkt Namkmby
_cmen @sdhke Nxnaut`vn Ad`bhtn
Achkfn Ammre`kht`kf Amuka`d (NA5)
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LHKNU AM@U, _@ENB
L^DP ?78>
W_NWH_@KF JM_ UCN J^U^_N -_CMEN @QDHKEQ NSNA^U@ZN
AD@BHUN ACHKFN
AMM_E@KHU@KF AM^KA@D
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H X^@AI DMMI OHAI
_cmen @sdhke FCF Hat`mk Wdhk (nhrdy ?777s)
_cmen @sdhke Ad`bhtn Ambb`ss`mk (?787) Fmvnrkmr Achjnns Ad`bhtn Achkfn
Nxnaut`vn Mrenr (85-78) `k Jno. ?785
Wdhk suob`tt`kf oy NA1 tm tcn Fnknrhd
Hssnbody `k Lukn ?785 _ns`d`nkt _@ Hat nxhatne `k Ludy ?785
Nsthod`scbnkt mj tcn Nxnaut`vn Ad`bhtn AchkfnAmmre`kht`kf Amuka`d (NA5)
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_NQ@D@NKU _CMEN @QDHKE HAU
VCM @Q UCN NA5=
E@_NAUM_Q MJ K@KN QUHUNHFNKA@NQ/MJJ@ANQ9
@@@. n`fcty pnrankt (37%) oy ?7>7.
1. Hevhkan tcn sthtns ukenrsthke`kf mj tcn njjnats mj ad`bhtnachkfn, n.f., snh dnvnd r`sn, snvnrn wnhtcnr, `kjrhstruaturnvudknrho`d`ty, hke namsystnb/namkmb`a/cnhdtc `bphats.
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_NQ@D@NKU _CMEN @QDHKE HAUUCN NA5 _MDN (AMKU.)
5. @enkt`jy strhtnf`ns tm prnphrn jmr tcnsn njjnats.
>. Vmri w`tc buk`a`phd`t`ns tm suppmrt tcnenvndmpbnkt mj susth`khodn/rns`d`nkt ambbuk`t`ns.
:. $$$$ - `enkt`jy/dnvnrhfn jnenrhd, sthtn hke pr`vhtn
juke`kf mppmrtuk`t`ns jmr nb`ss`mk rneuat`mks hkeprnphrneknss.
6. Hev`sn pmd`aybhinrs mk whys tm nksurn _@amkt`kuns tm on h dnhenr `k `bpdnbnkt`kfstrhtnf`ns.
3. Vmri rnf`mkhddy.
0. Ambbuk`aht`mk hke mutrnhac omtc puod`a hkeharmss sthtn hfnka`ns.
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_NQ@D@NKU _CMEN @QDHKE HAUHEE@U@MKHD W_@M_@U@NQ
Wurachsn mjndnatr`a/cyor`evnc`adns oy sthtnmjj`ans.
_neua`kf ZBUs oysthtn nbpdmynns.
@enkt`jy nknrfy shv`kfs`k sthtn ou`de`kfs.
_nknwhodns ht sthtnjha`d`t`ns.
Quppmrt njjmrts tmenvndmp tcn FrnnkNamkmby.
Hssnss vudknrho`d`t`ns mjiny `kjrhstruaturn.
Vmri w`tc hahenb`a`kst`tut`mks tm hssnsstcrnhts jrmb snh dnvnd
r`sn. Envndmp h Ad`bhtn
Wuod`a Cnhdtc_npmrt
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_NQ@D@NKU _CMEN @QDHKE HAUVCM @Q UCN_N UM HQQ@QU UCN NA5=
Hev`smry Omhre7, 877-ynhr stmrb WD^Q
Qnh Dnvnd _`sn
**Bmrn haaurhtn enp`at`mk
mj juturn jdmme`kf r`si
Hppd`aht`mks
Ehy-tm-Ehy mpnrht`mks
Dmkf tnrb
pdhkk`kf/j`khka`kf
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www.onhacshbp.mrf
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www.onhacshbp.mrf
QUM_BUMMDQ JM_ ONF@KKN_Q
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QUM_BUMMDQ JM_ ONF@KKN_Q
Qtnp 8< Nktnr hk heernss
Qtnp ?< Ad`ai mk tcn qunst`mk ymu whkt tm hkswnr
@s by prmpnrty vudknrhodn tm QUM_B Q^_FN eur`kf h 877-ynhr amhsthd
stmrb (n.f. 8013 Curr`ahkn)=(jdmme nxtnkt bhp)
QUM_BUMMDQ JM_ ONF@KKN_Q
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QUM_BUMMDQ JM_ ONF@KKN_Q
Qtnp 8< Nktnr hk heernss
Qtnp ?< Ad`ai mk tcn qunst`mk ymu whkt tm hkswnr
Cmw ENNW w`dd tcn whtnr on eur`kf h
877-ynhr amhsthd stmrb mk by prmpnrty=(whtnr enptc bhp)
QUM_BUMMDQ JM_ ONF@KKN_Q
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QUM_BUMMDQ JM_ ONF@KKN_Q
Qtnp 8< Nktnr hk heernss
Qtnp ?< Ad`ai mk tcn qunst`mk ymu whkt tm hkswnr
V`dd juturn QNH DNZND _@QN hjjnat by prmpnrty
(w`tc ? t`ens pnr ehy, nvnry ehy)=(snh dnvnd r`sn sankhr`m bhp)
QUM_BUMMDQ JM_ W_HAU@U@MKN_Q
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QUM_BUMMDQ JM_ W_HAU@U@MKN_Q
Urh`k prmjnss`mkhds wcm w`dd usn tcn tmmd tm haanss hke
`bpmrt ehth snts jmr bmrn hevhkane hkhdys`s
QUM_BUMMDQ JM_ W_HAU@U@MKN_Q
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QUM_BUMMDQ JM_ W_HAU@U@MKN_Q
Urh`k prmjnss`mkhds wcm w`dd usn tcn tmmd tm haanss hke
`bpmrt ehth snts jmr bmrn hevhkane hkhdys`s
QUM_BUMMDQ Wmd`an / J`rn / NBH
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QUM_BUMMDQ
?>-ynhr Qtmrb Nvnkt +QD_
VH_V@AIJdmmewhtnr
amude arnhtn h ohrr`nr
ontwnnk Vhrw`ai Knai
hke bh`kdhke.
Wmd`an / J`rn / NBH Qnrv`an hrnhs autmjj mr d`b`tne oy jdmme`kf=
Jha`d`t`ns ht r`si mj on`kf mjjd`kn jrmb
jdmme`kf=
/ /QUM_BUMMDQ
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Wmd`an /J`rn / NBH
J`rst rnspmkenrs
_namvnry njjmrts
QUM_BUMMDQ
?>-ynhr Qtmrb Nvnkt +QD_
VH_V@AI@s pdhanbnkt
mj nx`st`kf j`rn stht`mks
sujj`a`nkt jmr snrv`kf
Vhrw`ai Knai eur`kf h
stmrb nvnkt=
QUM_BUMMDQ OH__@KFUMK / VH__NK - Urhkspmrtht`mk
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QUM_BUMMDQ
877-ynhr Qtmrb Nvnkt
+ >-jnnt QD_,
whtnr enptcs
/ p
Nvhauht`mk rmutns
Jukat`mkhd`ty hke snrv`an hrnhs
Hdtnrkhtn rmutns / rmhe rndmaht`mks
Ens`fk d`jn mj `kjrhstruaturn/hssnts
Qthtn _mhes /
Nvhauht`mk
_mutns
Qthtn _mhes /
Nvhauht`mk
_mutns
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Amhsthd Nkv`rmkbnkthd _`si @kenx
V`dd prmv`en h subbhry mj
tcn r`si amhsthd hrnhs jhan
jrmb tcn nkv`rmkbnkt8
8010Qcmrnd`kn Achkfn _htn
Urhksnat @EUrhksnat
Ohsnd`kn
Qcmrnd`kn Achkfn Bhps
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Qcmrnd`kn Achkfn 80>? ?781 Vnst Onhac O@
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Qcmrnd`kn Achkfn 80>? ?781, Vnst Onhac, O@
80>?
?781
Qc d` Ac B
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Qcmrnd`kn Achkfn Bhps
_nsmurans hke Ummds Qcmrnd`kn Achkfn Bhps
www.OnhacQHBW.mrf
Qc d`
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cttp
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QCM_ND@KN ACHKFN QHBW
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QCM_ND@KN ACHKFN QHBW8
?785
Bnhsur`kf achkfns `k vmdubn hke bmrpcmdmfy ht
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Bnhsur`kf achkfns `k vmdubn hke bmrpcmdmfy ht
B`squhb`aut Qthtn Onhac us`kf
Onhac Wrmj`dns, Dhst C`fc U`en Qwhsc hke _UI-FWQ
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86 Bhrac ?78>
?0 Hpr`d ?78>
17 Bhy ?785
-1 b1/b
BQX-QO->
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86 Bhrac ?78>
?0 Hpr`d ?78>
17 Bhy ?785
->5 b1/b
BQX-QO-5
Bnhsur`kf achkfns `k vmdubn hke bmrpcmdmfy ht
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_UI-FWQ
Bnhsur`kf achkfns `k vmdubn hke bmrpcmdmfy ht
B`squhb`aut Qthtn Onhac us`kf _UI-FWQ
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cttp
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^kprmtnatne Envndmpbnkt Wrmtnatne Envndmpbnkt
A`ty/Umwk 8 jt. QD_ 1 jt. QD_ > jt. QD_ 8 jt. QD_ 1 jt. QD_ > jt. QD_
Ohrr`kftmk ?7:.0 583.6 10>.: 817.3 ?>1.5 37.5
Or`stmd >3.8 870.3 816.> 13.3 >?.5 ?3.0
Achrdnstmwk 6.7 -06.7 -58.6 8?.7 -885.5 -881.3
Arhkstmk >.0 ?7.1 6:.6 7.? 88.0 51.7
Nhst Frnnkw`ac :.> >.7 87.5 5.1 8.5 8.>
Nhst Wrmv`enkan 35.: 817.6 865.8 >8.8 65.0 :?.:
Lhbnstmwk 66.7 86.3 ?8.6 ::.3 ?.8 -86.:
D`ttdn Ambptmk 15.? ?7.? :6.7 17.6 0.6 5:.3
B`eedntmwk 53.7 83.6 1.> 1?.: 8?.? -6.8
Khrrhfhksntt 3?.1 -875.6 -0?.> :6.? -8::.0 -?8?.7
Knw Qcmrnchb 855.6 87:.8 877.? 886.8 :7.7 1:.7
Knwpmrt 877.7 ?7?.8 10:.6 :3.> :?.8 87>.7
Kmrtc I`kfstmwk ??1.7 11:.? 680.0 86:.7 865.0 ?85.3
Whwtuaint 0.8 6.3 85.1 6.0 :.: 0.:
Wmrtsbmutc ??7.0 8>:.> 85>.7 83?.5 6>.6 -?>.8Wrmv`enkan 1>.> :1.: 807.8 3.8 6.> 87.?
Qmutc I`kfstmwk 51.8 -3>.3 -57.3 51.3 -873.5 -3:.0
U`vnrtmk 88:.8 >>.3 85.> 00.? ?5.1 -57.7
Vhrrnk 8?7.3 ?00.8 ?:3.: 37.8 83:.1 35.6
Vhrw`ai ??3.8 17?.3 51:.0 8>0.0 857.0 880.:
Vnstnrdy :6.: ?8.5 -8.8 :7.1 -68.5 -810.:
Umthd 8080.5 ?77>.8 ?00:.: 8516.3 :0>.? ?78.7
Knt Mvnrhdd Achkfn `k Amhsthd Vntdhkes
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QDHBB
F@Q schpnj`dns hke
bnthehth
kmw mk_@F@Q
_@ QDHBB Wrmlnat
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Qhdt Bhrsc _nstmrht`mk Khrrmw _`vnr Nstuhry _nstmrht`mk
Wmst-Qhkey Enpt. mj @ktnr`mr juke`kf tm ^QJ`sc hke V`ded`jn Qnrv`an _njufn Qystnb
Onknj`a`hd _n-usn / Uc`k Dhynr Enpms`t`mk
B`arm-arnni / rukknd nxahvht`mk
Bhrsc nefn nkchkanbnkt v`h d`v`kf
scmrnd`kn tnack`quns
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Ucn Q`tn
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EM@ Qhkey _ns`d`nkay Juke`kf
_nstmrht`mk / nkchkanbnkt mj K`k`frnt
Bhrsc us`kf sne`bnkts ernefne jrmb
hpprmvne ohs`ks
Wdhkk`kf hke ens`fk jmr s`b`dhr prmlnats `k
Xumkmacmkthuf hke V`kkhphuf Wmkes
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Uhrfnt
Hrnhs
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Nst`bhtne
Enptcs hkeZmdubns
KMHH KBJQ Amhsthd _ns`d`nkay Juke`kf Wrmpmshd
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KMHH KBJQ Amhsthd _ns`d`nkay Juke`kf Wrmpmshd
Bmend Wrmanss jmr
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Bmend Wrmanss jmr
Buk`a`phd`t`nsQampn
Hssnss
Ens`fk
Hempt
@bpdnbnkt
Bmk`tmr & Nvhduhtn
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Vhtnrjrmkt Ous`knss
Hehptht`mk
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cttp
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Qcmrnd`kn Achkfn (Onhac)
Qpna`hd Hrnh Bhkhfnbnkt Wdhk
Onhac QHBW w`dd on h fu`ehkan
emaubnkt tm suppmrt rnfudhtmry
achkfns (A_BA pmd`ay & sthkehres) _nfudhtmry achkfns w`dd on bhen tm
tcn _@ Amhsthd _nsmurans
Bhkhfnbnkt Wrmfrhb (hih _ne
Ommi) & mtcnr nx`st`kf QHBWs
Qcmrnd`kn Achkfn (Onhac)
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Qcmrnd`kn Achkfn (Onhac)
Qpna`hd Hrnh Bhkhfnbnkt WdhkZmdubn 8
Qyktcns`s mj sa`nkan &rnsnhrac
Hrnhs ht r`si jrmb nrms`mk,stmrbs hke snh dnvnd r`sn
Dnfhd @ssuns Hehptht`mk Qtrhtnf`ns &
Unack`quns Dhke ^sn Ena`s`mk Bhi`kf
Qtmrb Wrnphrneknss/_namvnry
_ntrmj`tt`kf & _ns`d`nkt Ens`fk
Frnnk @kjrhstruaturn/ Khturn-ohsne Hehptht`mk
_nstmrht`mk mj Khturhd Ohrr`nrs(wntdhkes, eukns, nta.)
_nambbnkeht`mks jmr dmahd &mtcnr sthtn hfnka`ns
Zmdubn ?
Unack`ahd _npmrts mj
_nsnhrac
Ambpnke`ub mjHehptht`mk
Unack`quns/Qtrhtnf`ns
D`st mj A_BA rnfudhtmry
achkfns rnsudt`kf jrmb
tcn Qcmrnd`kn Achkfn
QHBW
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Qcmrnd kn Achkfn (Onhac)Qpna`hd Hrnh Bhkhfnbnkt Wdhk
Zmdubn 8
Zmdubn ?
Fu`ehkan Emaubnkt tm kjmrb A_BA Wmd ay/
Qthkehres mr Mtcnr
QHBWs
Zmdubn 8
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Achptnr 8- @ktrmeuat`mk
8.8. Qthtnbnkt mj tcn Wrmodnb
8.?. Fmhd mj tcn Qcmrnd`kn Achkfn QHBW8.1. Qcmrnd`kn Achkfn QHBW Qampn hke Qtuey Hrnh
8.5. Amddhomrht`vn Njjmrt
8.>. Amktnkts mj Qcmrnd`kn Achkfn QHBW Emaubnkt
8.:. Wr`ka`pdns Fu`e`kf tcn Ens`fk hke Envndmpbnkt mj tcn Qcmrnd`kn Achkfn QHBW
Achptnr ?- Hssnss`kf Amhsthd _`si
?.8. Enj`k`t`mks mj Amhsthd _`si hke _ns`d`nkan
?.? Amhsthd _`si Bhkhfnbnkt
?.1 @bpd`aht`mks tm Kmt Amks`enr`kf Amhsthd _`si hke _ns`d`nkan
Achptnr 1- Urnkes hke Qthtus- Aurrnkt hke Juturn @bphats mj Qtmrb Qurfn, Qnh Dnvnd _`sn
hke Amhsthd Nrms`mk
1.8 Qtmrb Qurfn & Jdmme`kf1.? Nrms`mk/Qcmrnd`kn Achkfn
1.1 Qnh Dnvnd _`sn
1.5 Vntdhke Dmss hke B`frht`mk
1.> Ambpmuke`kf @bphats mj Qnh Dnvnd _`sn, Qtmrb Qurfn & Nrms`mk/Qcmrnd`kn Achkfn
1.: Ummds Envndmpne tm Hssnss Nxpmsurn
Zmdubn 8-
Zmdubn 8
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Achptnr 5- Wdhkk`kf & Hehptht`mk
5.8 Dhke ^sn Ena`s`mk Bhi`kf5.? Hehptht`mk Qtrhtnf`ns hke Unack`quns
5.?.8 Buk`a`phd Hehptht`mk Qtrhtnf`ns jmr Ambp Wdhk/Buk`a`phd
Mpnrht`mks
5.?.? Qtmrb Wdhkk`kf & _namvnry
5.?.1 Wcys`ahd Hehptht`mk & _ntrmj`t Unack`quns jmr Qtruaturns5.?.5 Frnnk @kjrhstruaturn Unack`quns & Qystnbs Hpprmhac tm
Fnmbmrpc`a Nkf`knnr`kf (QHFN)
5.?.> _nstmrht`mk mj Vntdhkes
5.?.: Vhtnrjrmkt & Amhsthd Ous`knssns
5.?.6 Bhr`kh _ns`d`nkan & Acnaid`stAchptnr >- Amkadus`mk
>.8 @bpd`aht`mks jmr A_BA
>.? _nambbnkeht`mks jmr Buk`a`phd`t`ns
>.1 _nambbnkeht`mks jmr Mtcnr Qthtn Hfnka`ns
_njnrnkans
Zmdubn 8-
Wuod`a Wrmanss
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Qcmrnd kn Achkfn
Qpna`hd Hrnh
Bhkhfnbnkt
Wdhk
Zmdubn 8
8
_nv`nwne oy Unack`ahd Hev`smry Ambb`ttnn, Onhac QHBW
Amhd`t`mk mj Ambbuk`ty Dnhenrs & Mtcnr Qthincmdenrs
?
Wrnsnktne ht Qthincmdenr Bnnt`kf & Wmstne Mkd`kn jmr 17ehy @kjmrbhd Wuod`a Ambbnkt
1A_BA Onhac QHBW Quoambb`ttnn
5A_BA 17-Ehy Wuod`a Kmt`an Wnr`me
>A_BA Wuod`a Cnhr`kf/Amuka`d Hempt`mk
Wuod`a Wrmanss
Wuod`a Wrmanss
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A_BA _nfudhtmry
Achkfns 8
Qnni @kput jrmb Unack`ahd Hev`smry Ambb`ttnn, OnhacQHBW Amhd`t`mk mj Ambbuk`ty Dnhenrs & Mtcnr
Qthincmdenrs
1
A_BA Onhac QHBW Quoambb`ttnnE_HJU Onhac QHBW j`dne w`tc M__
5
A_BA 17-Ehy Wuod`a Kmt`an Wnr`me
>A_BA Wuod`a Cnhr`kf/Amuka`d Hempt`mk
:
Hemptne rnfudhtmry achkfn j`dne w`tc snarnthry mj QthtnMjj`an (Njjnat`vn ?7 ehys tcnrnhjtnr)
6J`d`kf w`tc KMHH jmr Jnenrhd Amks`stnkay Wurpmsns
Wuod`a Wrmanss
17 Ehy
_@ Mjj`an mj
_nfudhtmry
_njmrb _nv`nw
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www.onhacshbp.mrf
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5>-ehy @kjmrbhd Ambbnkt Wnr`me
Ludy 8>tc-Hufust 17tc
Qt U d A d t e
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Bhdamdb Qphude`kf
Wrmjnssmr Nbnr`tus^k`vnrs`ty mj _cmen @sdhke
Nkv`rmkbnkthd Ous`knss Amuka`d mj Knw Nkfdhke
Nknrfy Nkv`rmkbnkt Namkmby
QtmrbUmmdsAmbpdntne
@k`t`ht`vns hke Knxt Qtnps
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QUM_BUMMDQ UNHBBhdamdb D. Qphude`kf, Frmvnr Jufhtn, Unrnsh Arnhk
Acr`s Ehbmk, Hkknttn Fr`dd`, _nzh Chscnb`, Uhtsu @shl`, Hdnx Qchw, hkeDhurnk Qachbohac
Manhk Nkf`knnr, ^k`vnrs`ty mj _@, Khrrhfhksntt, _@Amhsthd _nsmurans Anktnr, ^k`vnrs`ty mj _@, Khrrhfhksntt, _@
Amhsthd _nsmurans Bhkhfnbnkt Amuka`d, Vhinj`nde, _@HQH _WQ Frmup, Vhinj`nde, _@
NOA/_@QNW _cmen @sdhke Achptnr Wrmfrhb_ns`d`nkt _cmen @sdhke
Hednr Wmddmai & Qcnnchk, W.A.Wrmv`enkan, _cmen @sdhke
Ludy ??, ?785
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Mvnrv`nw mj Wrnsnktht`mk QUM_BUMMDQ v`s`mk Or`nj mvnrv`nw mj KHAAQ bmend`kf stuey
Envndmpbnkts us`kf KHAAQ bmend prmeuats Q`bpd`j`ne Jdmme`kf Bhps jmr _@
J@_BQ jmr Vhsc`kftmk Amukty(`kadue`kf Odmai @sdhke)
_nturk pnr`me hkhdysns jmr whtnr dnvnds hke whvns tmsuppmrt ens`fk mj struaturn hke kjrh struaturn k jdmme`bphatne hrnhs
Hrt`j`a`hd @ktndd`fnkan Knurhd Kntwmri (H@KK) ohsneprne`at`mk tmmd jmr stmrb surfn
C`fc rnsmdut`mk jmrnahst`kf systnb jmr _@ amhsthd whtnrs`kadue`kf jdmme`kf
QUM_BUMMDQ
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QUM_BUMMDQ
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Hrby Amrp mj Nkf`knnrs(HAMN) KHAAQ fr`e hke shvn
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Hrby Amrp mj Nkf`knnrs(HAMN), KHAAQ fr`e hke shvn
pm`kt jmr Kmrtcnhst hke smutcnrk _@ amhst
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Q`bpd`j`ne Jdmme`kf Bhps jmr _@Fmhd< Envndmp s`bpd`j`ne j dmme`kf bhps jmr _@ w`tc hkew`tcmut snh dnvnd r`sn tm hss`st `k amhsthd pdhkk`kf
Bntcme5, hke
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?78? curr`ahkns
:
3
87
8?
85
8:
83?7
-?7 -87 7 87 ?7 17 57QurfnNdnvht`mk(jt
KHZE33)
E`sthkan tm Knwpmrt (ib)
Curr`ahkn 8013
QUM_BUMMDQ
3
0
87
888?
81
85
8>
8:
-87 7 87 ?7 17 57 >7
QurfnNdnvht`mk(jtKHZE3
3)
E`sthkan tm Knwpmrt (ib)
Ahrmd 80>5
QUM_BUMMDQ(s28.1)
_npmrtne
QUM_BUMMDQ(s28.>:)
Qtmrb Qahd`kf
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f
Wrmv`enkan tm Knwpmrt
Qahd`kf strmkfdy enpnkenkt mk stmrb phrhbntnrs
Bhx`bubs
d j
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nkvndmpn mj
bhx`bubs
(BNMBQ)-Aht 5 stmrb
w`tc 8.>?b (>
jt) t`ens (QD_)
877 yr whtnr dnvnd jmr uppnr 0>% amkj`enkan d`b`t jmrsurfn pdus t`en ahsn KHAAQ
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surfn pdus t`en ahsn KHAAQ
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Q`bpd`j`ne Jdmme`kf Bhps jmr _@
Qubbhry mj QUM_BUMMD Jdmme`kf Bhps Hvh`dhodn jmr _cmen @sdhke
_nturk pnr`me (yrs) hke snh dnvnd r`sn ( jt) @k dhke
_nturk pnr`me Qnh dnvnd r`sn (jt) jdmme`kf
(yrs) kmkn 8 ? 1 >
7 S S S S S
?> S S S S S>7 S S S S S
877 S S S S S
877 S S S S S S
@kukeht`mk enptc `ktnrrmfht`mk tmmd
Jdmme`kf _nturk pnr`me ( yrs)
Ku`shkan Qtmrbs 8 1 > 87
C`stmr`ahd Qtmrbs ( KMHH tmp rhkine jmr _@, curr`ahkns)
8013 80>5 8008 ?78?
Bhtacne ph`rs, jdmme`kf rnturk pnr`me(yr) hke amrrnspmke`kf snh dnvnd r`sn(jt)
_nturk pnr`me (yrs) ?> >7 877
Qnh dnvnd r`sn (jt) 8 ? >
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Wmd`an /J`rn / NBH J`rst rnspmkenrs
QUM_BUMMDQ?>-ynhr Qtmrb Nvnkt +QD_
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J`rst rnspmkenrs _namvnry njjmrts
y
VH_V@AI @spdhanbnkt mj nx`st`kfj`rn stht`mks sujj`a`nktjmr snrv`kf Vhrw`aiKnai eur`kf h stmrb
nvnkt=
J@_BQ jmr Vhsc`kftmk Am kt _@
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J@_BQ jmr Vhsc`kftmk Amukty, _@
(`kadue`kf Odmai @sdhke)Fmhd< Envndmpknw Jdmme @ksurhkan _htn Bhps(J@_Bs) jmr
Vhsc`kftmk Amukty, _@Hpprmhac
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KHAAQ s`budht`mks us`kf c`fc rnsmdut`mk
amupdne HEA@_A hke QUVHZN Q`budht`mks pnrjmrbne jmr surfn mkdy hke surfn pdus
t`en ahsns, jmr omtc whtnr dnvnds hke whvns
87>7 syktcnt`a trmp`ahd stmrb, 877 nxtrh trmp`ahd stmrbs
(c`stmr`ahd nvnkts) Wrne`at`mks hrac`vne ht sndnatne shvn pm`kts(83,777,
homut 8777 `k _@)hke wno haanss`odn jmr juturn usn.
U`bn snr`ns hke pnhi vhduns stmrne ht shvn pm`kt jmrnhac stmrb
_nturk pnr`me hkhdys`s pnrjmrbne jmr trmp`ahd stmrbsus`kf HAMN bntcme
JNBH \ E j` `t`
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JNBH \mkn Enj`k`t`mk
QUVHZN(whvn) prne`at`mks `k jdmme `kukehtnehrnhs
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hrnhs
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QUVHZN prne`at`mks `k
jdmmene hrnhs
QUVHZN prne`at`mks `k jdmmene
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QUVHZN prne`at`mks `k jdmmene
hrnhs
_nturk pnr`me hkhdysns jmr whtnr dnvnds
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_nturk pnr`me hkhdysns jmr whtnr dnvnds
hke whvns tm suppmrt nkf`knnr`kf ens`fk
Fmhd< Envndmp bhps hke thodns emaubnkt`kf tcn whtnrdnvnd hke whvn cn`fct vs rnturk pnr`me jmr hdd shvnpm`kts jrmb tcn KHAAQ stuey tm suppmrt nkf`knnr`kf
ens`fkQthtus< Mpnrht`mkhd,
haanss v`h QUM_BUMMDQ
877 yr whtnr dnvnd hke whvns jmr uppnr 0>%
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877 yr whtnr dnvnd hke whvns jmr uppnr 0>%
amkj`enkan d`b`ts jmr surfn pdus t`en ahsn
Vhtnr dnvnd Vhvn cn`fct
877 yr whtnr dnvnd jmr uppnr 0>% amkj`enkan d`b`tjmr surfn pdus t`en ahsn
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877 yr whvn cn`fcts jmr uppnr 0>% amkj`enkan d`b`tjmr surfn pdus t`en ahsn
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jmr surfn pdus t`en ahsn
Vhtnr dnvnd vs rnturk pnr`me jmr shvn pm`kt87?63
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87?63
7.>
8.7
8.>
?.7
?.>
1.7
1.>
5.7
5.>
8 87 877 8777
Ndnvht`mk(b)
_nturk Wnr`me (ynhr)
KnwpmrtKHAAQ (surfn+t`en) 0>%
KHAAQ (surfn) 0>%
KHAAQ (surfn+t`en) Bnhk
KHAAQ (surfn) Bnhk
KMHH bnhk
KMHH uppnr 0>%
KMHH dmwnr 0>%
Hrt`j`a`hd @ktndd`fnkan Kn rhd Knt mri
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Hrt`j`a`hd @ktndd`fnkan Knurhd Kntwmri
Ohsne Ummd tm Wrne`at Qtmrb Qurfn
Fmhd< ^sn hrt`j`a`hd `ktndd`fnkan ohsne tmmd tcht w`dd hddmwprne`at`mk mj whtnr dnvnd hke whvn cn`fct ht h f`vnkdmaht`mk ohsne mk `kput mj iny vhr`hodns ensar`o`kf
trmp`ahd stmrbs (anktrhd prnssurn, jmrwhre spnne,rhe`us tm bhx`bub w`kes, hke stmrb trhai)
Qthtus< Hkhdys`s ambpdntn, phpnr `k rnv`nw, haanss v`hQUM_BUMMDQ `k prmfrnss.
Ummd knnes tm on wno haanss`odn, nhsy tm mpnrhtn, rnhe`dyhvh`dhodn, jhst hke ikmwk haaurhay.
Hrt`j`a`hd @ktndd`fnkan Knurhd Kntwmri
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Amkanptuhd Bmend
We- Anktrhdprnssurn enj`a`t_w- rhe`us tmbhx`bub w`kes
Zj- jmrwhre spnne,W8( x,y) hkeW?(x.y) -stmrbdmaht`mk
`bbne`htndyonjmrn hke hjtnrdhkejhdd
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Curr`ahkn phrhbntnrs jmr H@KK
Zj- jmrwhre spnne
_w- rhe`us tmbhx`bub w`kes
We- anktrhdprnssurn enj`a`t
Urhai- pms`t`mkhke trhai hkfdn htdhke jhdd
KHAAQ stmrb phrhbntnrs hke surfn rnsudts
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Bmend trh`k`kf hke vhd`eht`mk
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Bmend trh`k`kf hke vhd`eht`mk
pnrjmrbhkan ht Knwpmrt, _@
Bmend prne`at`vn pnrjmrbhkan jmr pnhi surfn cn`fct
j c `
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jmr curr`ahkn nvnkts
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QUM_B UMMDQ Vno Ohsne Bhpp`kf
Z`nwnr HaanssVno heernss ib)Bhss Amhsthd JZAMB(87 b-> ib)
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(?->7 ib)(87 b-> ib)
Knstne
Knstne
Knstne
Nkdhrfne v`nw
Qa`tuhtn, BH (up tm 87 b) Chbptmk, KC (up tm 87 b)
QUM_BUMMDQ H ` t` d t` jd e
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QUM_BUMMDQ- Hk`bht`mk< rnhd t`bn jdmme
jmrnahst`kf systnb jmr _@
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X^NQU@MKQ
cttp
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Nkv`rmkbnkthd Ous`knss Amuka`d mj Knw Nkfdhke
Nknrfy Nkv`rmkbnkt Namkmby
@bphats mj Ad`bhtn Achkfn mk
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Acr`s V`tt & I`rstnk Oryhk
Wr`ka`phd Wdhkknrs
_cmen @sdhke E`v`s`mk mj Wdhkk`kf
Nkv`rmkbnkthd Ous`knss Amuka`d mj Knw Nkfdhke
Nknrfy Nkv`rmkbnkt Namkmby
_cmen @sdhkes Urhkspmrtht`mk
Hssnts
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QNH DNZND _@QN
Jnnt
EHUH QM^_ANQ
Kht`mkhd Manhk`a hke Htbmspcnr`aHeb`k`strht`mk (KMHH)
^k`v. mj _cmen @sdhke Nkv`rmkbnkthd
Ehth Anktnr
BNUCME
Ohtctuo bmend
Znrt`ahd `karnhsn `k snh dnvnd r`sn mvnr
nx`st`kf tnrrh`k
Bhpp`kf
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pp f
Zudknrho`d`ty
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y
D`ind`cmme hke
bhfk`tuen mjchzhre
Qma`hd mr
trhkspmrtht`mk
`bphat mj chzhre
maaurr`kf+
Zudknrho`d`ty
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Qma`hd / trhkspmrtht`mk `bphat
D`ind`cmme&bhfk
`tuenmjchzhre
y
8 ? 1 5 >
8 ? 1 5 > :
? 1 5 > : 6
1 5 > : 6 3
5 > : 6 3 0
> : 6 3 0 87
Zudknrho`d`ty @kenx jmmt 2 ?
8 jt. @kukeht`mk Chzhre 7.8 7-8> jnnt 2 1, 8>-877 jnnt 2 6, 877+ jnnt 2 87
1 jt. @kukeht`mk Chzhre 7.8 7-877 jnnt 2 1, 877-377 jnnt 2 6, 377+ jnnt 2 87
> jt. @kukeht`mk Chzhre 7.8 7->77 jnnt 2 1, >77-8>77 jnnt 2 6, 8>77+ jnnt 2 87
Jukat`mkhd AdhssQma`hd
@bphat 7.1 Qnn thodn
Nvhauht`mk _mutnQma`hd
@bphat7.8 Pns 2 87, Km 2 7
_mhes Zudknrho`d`ty J`ke`kfs
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_hki _mhe Khbn Buk`a`phd`ty
Jnnt mj QD_
Vcnk
_mhe J`rst
Jdmmes
Jukat`mkhd Adhss`j`aht`mk
Curr`ahkn
Nvhauht`mk
_mutn
D`knhr Jnnt Jdmmene htjt QD_
8 Amukty _e (871) Ohrr`kftmk 8 Wr`ka`phd Hrt. Pns 18 ?53 ?,333 3.3
? Ac`de Qt Vhrrnk 8 Wr`ka`phd Hrt. Pns 1? 17? 8,803 3.>
? Bh`k Qt Vhrrnk 8 Wr`ka`phd Hrt. Pns ?> 183 331 3.>
1 C`fcdhke _e U`vnrtmk 8 Bhlmr Amddnatmr Pns 8>7 315 0>1 6.0
5 Bhsshsm`t Hvn Ohrr`kftmk 8 B`kmr Hrt. Pns 8> >0 :17 6.>
>Vhbphkmhf Urd
(885)Ohrr`kftmk 1 Wr`ka`phd Hrt., Dmahd Pns 7 858 :,1:3 6.1
: Wmpphsquhsc _e Or`stmd 8 B`kmr Amddnatmr Km >0 1,8>: 5,138 :.0
: Cmpn Qt Or`stmd 1 Wr`ka`phd Hrt. Pns 7 >31 ?,7?8 :.0
6 Wc`dd`ps QtK.
I`kfstmwk1 Wr`ka`phd Hrt. Pns 7 ?70 >31 :.3
3 Bhrint Qt Vhrrnk 1 Wr`ka`phd Hrt., B`kmr Hrt. Pns 7 8,8?0 ?,8:5 :.6
_mhes Zudknrho`d`ty J`ke`kfs
_mhes Zudknrho`d`ty
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Ohrr`kftmk ^kenr >7 2 7, >7-?>7 2 ?, ?>7-577 2 :, 577+ 2 87
_`enrsc`pQma`hd
@bphat7.? ^kenr ?7,777 2 7, ?7-877,777 2 ?, 877I-?77I 2 :, ?77I+ 2 87
QD_ \mkn Chzhre 7.? 8 jmmt 2 87, 1 jnnt 2 :, > jmmt 2 ?
Qtmps Jdmmene 1 jt. Chzhre 7.8> 7 2 7, 8 stmp 2 ?, ? stmps 2 5, > stmps 2 87
Qtmps Jdmmene > jt. Chzhre 7.8>7 stmps 2 7, 8 stmp 2 ?, 5-> stmps 2 5, :-6 stmps 2 :, 3-?7 stmps
2 3, ?7+ stmps 2 87
> jt. @kukeht`mk Chzhre 7.8> 7-?,777 jnnt 2 19 ?,777-3,777 jnnt 2 6, 3,777+ jnnt 2 87
_@WUH _mutn Zudknrho`d`ty J`ke`kfs
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_hki # Khbn
Vnnidy
_`enrsc`p
(pnmpdn)
Vnnidy
Jrnqunkay
(tr`ps)
QD_ Qankhr`m
Vcnk _mutn
J`rst @bphatne
Qtmps
Jdmmene ht
1 jt QD_
Qtmps
Jdmmene ht
> jt QD_
Jnnt
Jdmmene ht
> jt QD_
Zudknrho`d`ty
@kenx Qamrn
8 :7 Wrmv`enkan/Knwpmrt 11?,031 >>8 8 > 11 8>,083 87.7
? :: ^_@/Fhd`dnn 80?,16> ?63 1 8 : 6,>:8 >.:
1 85 Vnst Ohy 3>,>83 807 1 ? 0 3,::7 >.?
5 11 _`vnrs`en 8>3,103 575 1 7 5 8,53> 5.>
> :5 Knwpmrt/^_@ 58,56> 883 1 7 6 :,517 1.0
> :> Vhinj`nde Nxprnss ?3,01> >> 1 8 5 >,:7> 1.0
6 1 Vhrw`ai Hvn 853,680 100 1 7 7 8,80> 1.3
3 :6Onddnvun Bhks`mk/Qhdvn
_nf`kh>5,??7 >85 > 7 8 ?,>6: 1.6
0 8 Neey Qt 806,:3> >8: > 7 7 378 1.:
87 1? Nhst Wrmv`enkan/Vhbphkmhf ?5,0>3 830 1 7 5 853> 1.7
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