1

:yfgLo cg's"ng sfo{of]hgf vfsf @)&^

g]kfn ;/sf/

jg tyf jftfj/0f dGqfno

l;+xb/jf/, sf7df8f}+

2

प"रचय

!=!=k[i7e"ld

g]kfn hnjfo' kl/jt{gsf] gsf/fTds k|efjsf] hf]lvd pRr /x]sf /fi6«x?dWo] Ps xf] . g]kfndf ljut s]xL bzsotf af9L, klx/f], 89]nf] tyf v8]/L h:tf hnjfo'hGo k|sf]kx¿sf sf/0f 7"nf] dfqfdf hgwgsf] Iflt eO/x]sf] 5 eg] s[lif, hn;|f]t, jg tyf h}ljs ljljwtf, dfgj :jf:Yo, ko{6g, pmhf{ tyf k"jf{wf/ ljsf;sf If]qx¿df ;d]t hnjfo' kl/jt{gsf k|lts"n k|efjx¿ b]vf k/]sf 5g\ .

g]kfn ;/sf/n] hnjfo' kl/jt{gsf d'2f ;Daf]wg ug{ /fli6«o tyf cGt//fli6«o :t/df kxnsbdL ln+b} cfPsf] 5 . o;} s|ddf hnjfo' kl/jt{gsf k|efjx?sf] hf]lvd Go"gLs/0f ub}{ pTyfgzLn ;dfhsf] lgdf{0f ug]{tk{m ljleGg tx / ljifout If]qx¿df gLltut dfu{lgb]{z ug]{ p2]Zon] /fli6«o hnjfo' kl/jt{g gLlt, @)&^ nfu' ul/Psf] 5 . o:t} /fli6«o cg's"ng sfo{qmd (NationalAdaptationProgrammeofAction-NAPA), @)^^ sfof{Gjog eO/x]sf] 5 eg] /fli6«o cg's"ng of]hgf -NationalAdaptionPlan_ tof/Lsf] k|ls|ofdf /x]sf] 5 . lj= ;+= @)^& df :yfgLo cg's"ng sfo{of]hgfsf] vfsf [LocalAdaptationPlansofAction(LAPA)Framework] tof/ u/L To; vfsf adf]lhd th'{df ul/Psf :yfgLo cg's"ng sfo{of]hgfx¿ ;kmntfk"j{s sfof{Gjog ul/+b} cfPsf 5g\ . pSt vfsfn] cGt//fli6«o :t/df ;d]t dfGotf k|fKt u/]sf] 5 / ljleGg b]zx¿n] o;sf k|fjwfgnfO{ k'gM k|of]udf NofPsf 5g\ .

g]kfnsf] zf;sLo :j¿k ;+3, k|b]z / :yfgLo tx ;lxtsf] ;+3Lo k|0ffnLdf k'gM;+/lrt ePsf] 5 . of] kl/jlt{t ;+/rgf;Fu} ljsf; lgdf{0f, ;|f]t Joj:yfkg / hghLljsf;Fu ;DalGwt sfd, st{Jo / clwsf/ w]/} xb;Dd :yfgLo txdf lglxt /x]sf 5g\ . :yfgLo ;/sf/ ;+rfng P]g, @)&$ n] ufFpkflnsf tyf gu/kflnsfx¿nfO{ cfkm\gf] If]qflwsf/sf] ljifodf cfjlws tyf jflif{s If]qut of]hgf agfpg ;Sg] clwsf/ ;'lglZrt u/]sf] 5 . o;n] of]hgf lgdf{0fsf] k|lqmofdf jftfj/0f ;+/If0f tyf hnjfo' kl/jt{g, n}lËs ;dfgtf tyf ;fdflhs ;dfj]zLs/0f, ljkb\ Joj:yfkg, ;'zf;g cflb ljifonfO{ cfwf/ agfpg'kg]{ s'/f ;d]t pNn]v u/]sf] 5 . oL k|fjwfgx¿n] :yfgLo txsf of]hgfx¿df hnjfo' kl/jt{gnfO{ PsLs[t ug]{ cj;/ ;[hgf u/]sf] 5 .

/fli6«o hnjfo' kl/jt{g gLlt, @)&^ n] /fHosf ;a} tx / ljifout If]qsf gLlt, /0fgLlt, ljsf; of]hgf / sfo{qmdx¿df hnjfo' kl/jt{gsf d'2fx¿nfO{ d"nk|jfxLs/0f ug]{ p2]Zo /fv]sf] 5 . o; gLltn] ljz]if u/L hnjfo' kl/jt{g Joj:yfkg;Fu ;DalGwt /fli6«o gLlt, /0fgLlt tyf of]hgfx¿sf] sfof{Gjog :yfgLo txaf6 ul/g]5 egL :ki6 ls6fg u/]sf] 5 . o; ;Gbe{df k'/fgf] zf;sLo ;+/rgfdf cfwfl/t :yfgLo cg's"ng sfo{of]hgf -nfkf_ sf] :j¿k, @)^& kl/dfh{g u/L ;do ;fk]If ul/]Psf] 5 . of] kl/dflh{t vfsfn] :yfgLo ;/sf/x¿nfO{ :yfgLo :t/df hnjfo' kl/jt{gsf c;/x¿ Joj:yfkg ug{ / bL3{sfnLg hnjfo'd}qL ljsf;sf of]hgfx¿ klxrfg tyf sfof{Gjog ug{ ;xof]u ug]{5 . jftfj/0f ;+/If0f

3

;DaGwL sfg"g adf]lhd :yfgLo ;d'bfon] th'{df ug]{ ;d'bfodf cfwfl/t cg's"ng of]hgfsf] th'{df / o;sf] sfof{Gjogsf nflu klg o; vfsfn] ;3fpg]5 . o;n] :yfgLo :t/df ljleGg ;/f]sf/jfnfx¿aLr lgoldt ;xsfo{ tyf ;+jfb dfkm{t :yfgLo lqmofsnfkx¿sf] sfof{Gjogdf ;xdlt lgdf{0f u/L hnjfo' kl/jt{g cg's"ng, ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkg / lbuf] ljsf;;Fu ;DalGwt cGt//fli6«o k|lta4tfx¿sf] sfof{Gjog ug{ ;d]t d2t ug]{5 .

!=@= :yfgLo cg's"ng sfo{of]hgf -nfkf_ sf pknlAw tyf l;sfOx?

:yfgLo cg's"ng sfo{of]hgfsf] /fli6«o vfsfnfO{ d'Vo cfwf/ dfg]/ g]kfn ;/sf/, cGt//fli6«o ljsf; ;fem]bf/, :yfgLo tx, /fli6«o tyf :yfgLo ;+3 ;+:yf / :yfgLo ;d'bfox¿n] ljleGg cg's"ngsf cjwf/0ffx¿ sfof{Gjogdf NofPsf 5g\ . xfn ;d'bfodf, kfl/l:yltsLo k|0ffnLdf, PsLs[t hnfwf/ If]q Joj:yfkgdf, gbL k|0ffnLdf cfwfl/t tyf hnjfo'd}qL ef}lts k"jf{wf/ lgdf{0fsf] cjwf/0ffdf cfwfl/t cg's"ngsf cEof;x¿ sfof{Gjogdf 5g\ . log} cjwf/0ffx¿nfO{ cfTd;ft\ ub}{ g]kfn hnjfo' kl/jt{g ;xof]u sfo{qmd, kfl/l:yltsLo k|0ffnLdf cfwfl/t cg's"ng sfo{qmd, kxf8L ;fgf ls;fgsf nflu cg's"ng cfof]hgf, cg's"ng -a|];]8_ sfo{qmd, xl/of] jg sfo{qmd, s0ff{nLdf vfB ;'/Iffsf] nflu cg's"ng sfo{qmd nufotsf cg's"ng kl/of]hgfx¿ sfo{fGjogdf cfPsf 5g\ .

xfn;Dd g]kfn ;/sf/, ljleGg kl/of]hgf, u}/-;/sf/L ;+3-;+:yfx¿sf] ;xof]udf &)) eGbf a9L nfkf -d'VotM k'/fgf] ;+/rgf cGtu{tsf gu/kflnsf jf ufpF ljsf; ;ldltdf cfwfl/t_, @%)) eGbf j9L ;d'bfodf cfwfl/t cg's"ng sfo{of]hgf / s]xL kfl/l:yltsLo k|0ffnLdf cfwfl/t cg's"ng of]hgf tof/ u/L sfof{Gjog ul/Psf] 5 . :yfgLo :t/df hnjfo' cg's"ngsf cfjZostfx¿ klxrfg u/L th'{df ul/Psf :yfgLo cg's"ng sfo{of]hgfx¿sf] sfof{Gjogaf6 hnjfo' kl/jt{gsf] k|lts"n k|efjsf] hf]lvddf k/]sf 3/w'/L, ;d'bfo, sl7g ef}uf]lns If]qsf ;d'bfo, ef}lts k"jf{wf/, ;Dkbf tyf kfl/l:yltsLo k|0ffnLsf] cg's"ng Ifdtf Pj+ ltgsf] hnjfo' pTyfgzLntf a9fpg pNn]Vo pknlAw xfl;n ePsf] 5 . o:t} ;d'bfodf hnjfo'hGo hf]lvd Go"gLs/0f, hLljsf]kfh{g tyf hnjfo' kl/jt{gaf/] hgr]tgf clej[l4 ug]{ sfo{df nfkf / ;d'bfodf cfwfl/t cg's"ng of]hgf lgs} k|efjsf/L /x]sf 5g\ . o;sf cltl/Qm ;fd'bflos ;+3 ;+:yf, gful/s ;dfh / lghL If]qsf] Ifdtf clej[l4 ug{ ;d]t nfkf ;xof]uL l;4 ePsf] 5 .

ljut s]xL jif{df ul/Psf] nfkfsf] sfof{Gjogaf6 s]xL l;sfO ;d]t k|fKt ePsf 5g\ . :yfgLo txn] hnjfo' kl/jt{gnfO{ ljsf;sf] k|d'v r'gf}tLsf ¿kdf k|fyldsLs/0f tyf d"nk|jfxLs/0f ug{ w]/} kxn ug'{kg]{ cj:yf /x]sf] 5 . o;n] ubf{ hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf sfo{s|dx¿ ;+rfngy{ :yfgLo ;/sf/sf] Ifdtf, ;xeflutf / nufgL ;'lglZrt ug{ tyf kl/of]hgfx¿af6 k|fKt pknlAw tyf l;sfOnfO{ ;+:yfut ug{ sl7gfO ePsf] 5 . cg's"ngsf sfo{x¿ d'VotM afXo ;|f]tdf lge{/ kl/of]hgfsf]

4

¿kdf sfof{Gjog x'g] t/ :yfgLo ;/sf/sf ljsf; of]hgfx¿df PsLs[t gx'g] u/]sf sf/0f hnjfo' kl/jt{gsf] d'2f :yfgLo ;/sf/sf] nflu sd rf;f]sf] ljifo ag]sf] cj:yf 5 . o;} u/L cg's"ng sfo{of]hgfsf] th'{df tyf ;|f]tsf] kl/rfng ;DaGwL lg0f{o k|ls|ofdf a9L h;f] lZflIft, k'?if / kx'Frjfnf ;d"xsf] k|efj /xg] u/]sf sf/0f dlxnf tyf ;+s6f;Gg 3/w'/Lx¿n] :yfgLo cg's"ng sfo{s|daf6 ck]lIft nfe lng ;ls/x]sf 5}gg\ . kl/dflh{t nfkf vfsfn] log} d"ne"t r'gf}tLx¿nfO{ ;Daf]wg ug]{ k|of; u/]sf] 5 . ;fy}, jftfj/0f ;+/If0f P]g, @)&^ / /fli6«o hnjfo' kl/jt{g gLlt, @)&^ sf] clwgdf /x]/ :yfgLo ;d'bfonfO{ k|s[ltsf] ;fldKodf sfd ug{sf nflu o; vfsfn] dfu{bz{g ug{] ck]Iff ul/Psf] 5 .

@= :yfgLo cg's"ng sfo{of]hgf vfsfsf nIo tyf p2]Zox?

@=!=nIo

hnjfo' pTyfgzLn ;dfhsf] lgdf{0f ug{ :yfgLo :t/df sfof{Gjog ul/g] ljsf; lgdf{0f / ;|f]t Joj:yfkgsf] ;du| k|lqmofdf hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgnfO{ d"nk|jfxLs/0f ug]{ .

@=@ p2]Zox?

:yfgLo :t/df ljsf; lgdf{0f / ;|f]t Joj:yfkgsf] ;du| k|lqmofdf hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgnfO{ d"nk|jfxLs/0f ug{ :yfgLo ;/sf/ tyf cGo ;/f]sf/jfnfx¿nfO{ lbzf lgb]{z ug'{ o; nfkf vfsfsf] d'Vo p2]Zo /x]sf] 5 . o;sf ljlzi6 p2]Zox¿ lgDg adf]lhd /x]sf 5g\ M -s_ :yfgLo :t/df hnjfo' kl/jt{gaf6 ;[lht hf]lvd / ;+s6f;Ggtfsf] klxrfg, clen]vLs/0f

/ k|fyldsLs/0f ug{ ;xof]u ug]{ .

-v_ hf]lvddf /x]sf tyf ;+s6f;Gg JolQm, 3/w'/L, ;d"x / ;d'bfosf] cg's"ng Ifdtfdf a9f]Q/L ug{ / hnjfo' pTyfgzLn ls|ofsnfkx¿ klxrfg u/L sfof{Gjog ug{ ;xhLs/0f ug]{ .

-u_ :yfgLo txsf] of]hgf th'{df k|ls|ofdf hnjfo' kl/jt{g cg's"ng tyf ljkb hf]lvd Go"gLs/0f / Joj:yfkgsf] ljifonfO{ PsLs[t ub}{ hnjfo' pTyfgzLn of]hgfx¿sf] sfof{Gjogdf nufgL clej[l4 ug]{ .

-3_ :yfgLo :t/df lgdf{0f ul/g] ljsf;sf k"jf{wf/x¿sf ;fy} lzIff, :jf:Yo, vfg]kfgL / :yfgLo k|ljlwnfO{ hnjfo' pTyfgzLn agfpg ;xof]u ug]{ .

@=#= nIo tyf p2]Zo k|flKtsf ;"rsx?

nfkf vfsfdf pNn]lvt nIo tyf p2]Zox¿sf] k|ult d"Nof+sgsf nflu tnsf ;"rsx¿sf cfwf/df cg'udg tyf d"Nof+sg ul/g]5 M

5

-s_ 3/w'/L, a:tL tyf hLljsf]kfh{gsf If]qx?sf] 5'§f5'§} juL{s[t Pj+ lj:t[t ;+s6f;Ggtf / hf]lvdsf] gS;f .

-v_ :yfgLo :t/df tof/ eO{ sfof{Gjog ul/Psf hnjfo' pTyfgzLn ljsf; / cg's"ng of]hgfsf] ;+Vof .

-u_ hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf] If]qdf ufpF÷gu/kflnsfn] ljlgof]hg u/]sf] ah]6sf] k|ltzt .

-3_ hnjfo'hGo ljkb\\af6 ;'/lIft ul/Psf 3/w'/L ;+Vof tyf pgLx?sf hLljsf]kfh{gsf ;fwg tyf ;DklQsf] cfly{s d"No .

-8=_ hnjfo' kl/jt{gsf] k|lts"n c;/sf] ;Daf]wg dfkm{t nfeflGjt ;fdflhs ;+:yf tyf ;+/If0f ul/Psf cfly{s Pj+ jftfj/0fLo ;Dkbfsf] ;+Vof÷d"No -h:t}M kfgLsf d'xfg÷;|f]t ;+/If0f, afof]OGhLlgol/Ë k|ljlwsf] k|of]u u/L e";+/If0f ul/Psf :yfgx?, cg's"ng Ifdtf clej[l4 ul/Psf ;d"x tyf ;+:yfx?_ .

-r_ hnjfo'd}qL k|ljlw, 1fg / cEof;sf] k|of]uaf6 nfeflGjt 3/w'/Lsf] ;+Vof .

-5_ ;fdflhs ;'/Iffsf k|fjwfgx? -ljQLo ;|f]tdf kxF'r, ladf, ;x'lnot C0f cflb_ af6 nfeflGjt ;+s6f;Gg 3/w'/Lsf] ;+Vof .

-h_ hnjfo' kl/jt{g cg's"ng of]hgf th'{df / sfof{Gjog ;DaGwL ;';"lrt dlxnf, ls;fg

;d"x, k|fs[lts ;|f]t Joj:yfkg ug]{ ;d"x, ljkGg ju{, blnt, cflbjf;L, cflbjf;L hghflt, dw];L, yf?, d'l:nd, pTkLl8t ju{, lk58f ju{, cNk;+Vos, ;LdfGts[t, o'jf, afnaflnsf, Ho]i7 gful/s, ckfËtf ePsf JolQm tyf ;+s6f;Gg JolQmx?sf] ;+Vof .

-em_ sfo{s|d sfof{Gjog kZrft\ ;+s6f;Ggtf Go"gLs/0f ePsf dlxnf÷k'?if tyf kl/jf/sf] ;+Vof .

-`_ hnjfo'd}qL pBf]u tyf nufgLaf6 /f]huf/L k|fKt ug]{ ;+s6f;Gg dlxnf÷k'?if tyf kl/jf/sf] ;+Vof .

-6_ ;/sf/, ljsf;sf lgsfox?, cGt//fli6«o ljsf; ;fem]bf/, lghL If]q tyf gful/s ;dfhåf/f :yfgLo hnjfo' cg's"ngsf If]qdf ul/g] nufgLdf ePsf] j[l4 .

-7_ :yfgLo cg's"ng of]hgf / sfof{Gjogsf] lg0f{o k|lqmofdf g]t[TjbfoL e"ldsf lgjf{x ug]{ dlxnf tyf ;+s6f;Gg JolQmx?sf] ;+Vof .

-8_ :yfgLo txåf/f cfkm\gf] If]qsf] hnjfo' ;DaGwL ;dli6ut ?k/]vfsf] ljZn]if0f u/L tof/ ul/Psf] gu/÷ufpF:t/Lo gS;f .

-9_ jftfj/0f tyf hnjfo'd}qL kof{ko{6gsf] j[l4 dfkm{t /f]huf/L k|fKt ug]{ ;+s6f;Gg dlxnf÷k'?if tyf kl/jf/sf] ;+Vof .

6

-0f_ h}ljs ljljwtfsf]] k|j4{g / vfB tyf kf}li6s ;'/Iff k|j4{g dfkm{t nfeflGjt ;+s6f;Gg dlxnf÷k'?if tyf kl/jf/sf] ;+Vof .

-t_ :yfgLo cg's"ng of]hgfsf] sfof{Gjogsf sf/0f x'g uPsf] Iflt Go"gLs/0fsf] ljj/0f tyf TfYof+s .

-y_ ;d'bfodf cfwfl/t cg's"ng of]hgf th'{df u/L sfof{Gjog ub}{ cfPsf :yfgLo ;d'bfo -jg pkef]Qmf ;d"x, vfg]kfgL tyf ;/;kmfO{ pkef]Qmf ;d"x, l;+rfO ;d"x, s[ifs ;d"x, l;d;f/ ;d"x, hnfwf/ ;+/If0f ;d"x cflb_ sf] ;+Vof .

#= nfkf vfsfsf] ;}4flGts cjwf/0ff

#=!= hnjfo' kl/jt{g ;DaGwL ;du| gLltut Joj:yfdf nfkf vfsfsf] :yfg

g]kfnsf] kl/jlt{t zf;sLo ;+/rgfdf hnjfo' kl/jt{g cg's"ng ;DaGwL sfo{x? ;+3, k|b]z / :yfgLo tx u/L tLg} txsf ;/sf/x?sf] sfo{If]qdf kb{5 . o; ;Gbe{df hnjfo' kl/jt{g ;DaGwL /fli6|o gLltut Joj:yfsf] Ps c+zsf] ?kdf nfkfn] :yfgLo :t/df ljsf; lgdf{0fsf] ;du| k|ls|ofdf hnjfo' cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgnfO{ d"nk|jfxLs/0f ug'{kb{5 eGg] ;}4flGts cjwf/0ffdf cfwfl/t /xL of] nfkf vfsf tof/ ul/Psf] 5 . lrq ! df g]kfnsf] hnjfo' kl/jt{g ;DaGwL ;du| gLltut Joj:yfdf nfkf vfsfsf] :yfg b;f{OPsf] 5 .

lrq !: hnjfo' kl/jt{g cg's"ng tyf pTyfgzLntf ljsf;df ;+3, k|b]z / :yfgLo txsf] e"ldsf

7

o; vfsf cg';f/ :yfgLo :t/df hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgnfO{ d"nk|jfxLs/0f ug{ / ;+s6f;Gg 3/w'/L, ;d"x / ;d'bfosf ljlzi6 ;d:ofnfO{ ;dfwfg ug{ ;+3Lo, k|fb]lZfs / :yfgLo ;/sf/sf] e"ldsf dxTTjk"0f{ /xG5 . ;+3Lo / k|fb]lzs ;/sf/sf] d'Vo e"ldsf gLltut, ;+:yfut, ljQLo tyf k|fljlws ;xof]u;Fu ;DjlGwt /xg]5 eg] :yfgLo ;/sf/n] cg's"ng / hnjfo'd}qL of]hgf th{'df tyf sfof{Gjog ug{]5 .

g]kfn ;/sf/n] cGt//fli6«o If]qdf k|fKt cj;/sf] pkof]u ub}{ /fli6«o hnjfo' kl/jt{g gLlt, @)&^ cg'?k hnjfo' kl/jt{gsf k|efjx?nfO{ ;Daf]wg ug{sf nflu tTsfnLg, dWosfnLg / bL3{sfnLg cg's"ngsf of]hgf ;dfj]z u/L /fli6«o cg's"ng of]hgf (National Adaptation Plan- NAP) th'{df u/L sfof{Gjog ug{ k|lta4 /x]sf] 5 . pQm of]hgfn] d"ntM hnjfo' cg's"ngsf dWo tyf bL3{sfnLg cfjZostfx¿ klxNofO{ If]qut ljsf; sfo{df PsLs[t ug{ tyf hnjfo' kl/jt{gaf6 hf]lvddf k/]sf JolQm, ;d'bfo, ef}uf]lns If]q, ef}lts k"jf{wf/, ;Dkbf

tyf kfl/l:yltsLo k|0ffnL (Ecosystem) sf] cg's"ng Ifdtf (Adaptation Capacity) Pj+ ltgLx?sf] hnjfo' pTyfgzLntf (Climate Resilience) a9fpg ;xof]u k'¥ofpg]] 5 . o;sf ;fy} k|b]z ;/sf/n] k|b]zleq ;~rflnt hnjfo' kl/jt{g cg's"ng sfo{s|dx?sf] cg'udg tyf d"Nof+sg ug]{ / hnjfo' kl/jt{g;Fu ;DalGwt sfo{s|d tyf kl/of]hgf th'{df / sfof{Gjog ug{ ;+3 tyf :yfgLo tx;Fu ;dGjo ug{{]5g\ . /fli6«o cg's"ng of]hgfsf] cfwf/df k|b]z ;/sf/n] k|b]z :t/Lo cg's"ng of]hgf th{'df u/L nfu' ug{ ;Sg]5 . /fli6«o tyf k|b]z :t/Lo cg's"ng of]hgfx?sf] sfof{Gjogdf :yfgLo cg's"ng sfo{of]hgf dxTTjk"0f{ /xG5 .

#=@= nfkf vfsfsf] sfof{Gjog ;DaGwL cjwf/0ff

:yfgLo cg's"ng sfo{x? ;d'bfo, k|fs[lts ;|f]t Joj:yfkg / kfl/l:yltsLo k|0ffnL, hnfwf/ If]q, hnjfo'd}qL ef}lts k"jf{wf/ lgdf{0f, gbL k|0ffnL / cGo ljifout If]qdf cfwfl/t x'G5 . ljutsf cg'ej / l;sfOsf] k[i7e"lddf hnjfo' pTyfgzLn ;dfhsf] lgdf{0f ug{ :yfgLo :t/df ljsf; lgdf{0fsf] ;du| k|lqmofdf hnjfo' cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgnfO{ d"nk|jfxLs/0f ug{ cfjZos 5 .

o; ;Gbe{df :yfgLo ;/sf/ s]lG›t /x]sf] of] nfkf vfsf tLg j6f cjwf/0ffaf6 lgb]{lzt 5 . klxnf], :yfgLo ;/sf/sf] ljsf;sf of]hgf dfkm{t hnjfo' ;+s6f;Gg JolQm, 3/w'/L tyf ;d'bfosf] hLljsf]kfh{g / kfl/l:yltsLo k|0ffnLnfO{ hnjfo' pTyfgzLn agfpg], bf];|f], ljsf;sf k"jf{wf/x?nfO{ hnjfo'd}qL agfpg], / t];|f], JolQm, 3/w'/L, :yfgLo ;d'bfo / ;fdflhs ;+3 ;+:yfsf] cu'jfOdf ePsf hnjfo' cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf cEof;, ;|f]t, Ifdtf tyf 1fgnfO{ klxrfg u/L k|j4{g ug]{ Pj+ :yfgLo of]hgf th{'df tyf sfof{Gjog k|lqmofdf ;+s6f;Gg 3/w'/L / :yfgLo ;d'bfonfO{ ;xefuL u/fpg] -lrq @_ .

lrq @ M nfkf vfsfsf] sfof{Gjog ;DaGwL cjwf/0ff

8

hf]lvd tyf ;+s6f;Ggtf / o;sf cGt/lglxt sf/0fx? JolQm, 3/w'/L, :yfgLo ;d"x / ;d'bfo:t/df km/s km/s x'g] ePsfn] ;d'bfo tyf :yfgLo txsf] ljsf; of]hgf th{'df k||ls|ofdf hnjfo' kl/jt{gaf6 a9L k|efljt JolQm, kl/jf/, If]q, hft÷hflt, lnË tyf ;fdflhs ;d"xx?sf] ;xeflutfdf pgLx?df k/]sf] k|efjx?nfO{ plrt ;Daf]wg ug]{ vfnsf cg's"ng tyf hf]lvd Go"gLs/0f / Joj:yfkgsf sfo{qmdx¿ ;dfj]z ul/g'k5{ .

:yfgLo :t/df ;d[l4sf] nflu to ul/Psf ljsf;sf sfo{qmdx¿ dxTTjk"0f{ x'G5g\ . Psflt/ hnjfo' kl/jt{gsf sf/0f ljsf;sf k"jf{wf/df Iflt k'u]sf] 5 / ljsf;sf nufgLx? hf]lvddf /x]sf 5g\ eg] csf{lt/ ljsf;sf sfo{qmdx?sf sf/0f jftfj/0f, k|fs[lts ;|f]t / hnjfo'df gsf/fTds c;/ k/]sf] / clgolGqt ljsf;sf ;+/rgfn] :yfgLo :t/df yk hf]lvd a9fPsf] 5 . To;}n] lbuf] ljsf; / ;d[l4 xfl;n ug{ ljsf;sf k"jf{wf/x?nfO{ hnjfo'd}qL agfpg cfjZos 5 . o;sf] nflu :yfgLo:t/df sfo{qmd 5gf}6 ubf{ hnjfo'd}qL / Go"g sfj{g pT;{hg ug]{ ljsf;sf sfo{x¿nfO{ k|fyldstfdf /fVg'kb{5 . ;fy}, ljz]if sf/0fjz hnjfo' k|lts"n ljsf;sf sfo{x? ;dfj]z ug{'kg]{ ePdf To:tf sfo{x?n] lgDTofpg] hf]lvd / To;sf] Go"gLs/0f / Joj:yfkg sfo{x?nfO{ klxrfg u/L nfu' ug{'kb{5 .

o;sf ;fy} hnjfo' kl/jt{gsf] hf]lvddf /x]sf k|fs[lts ;|f]t / kfl/l:yltsLo k|0ffnL / ljz]if u/L hnfwf/ If]q, gbLk|0ffnL / e"kl/lwnfO{ hnjfo' pTyfgzLn agfpg cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf sfo{x? klxrfg u/L sfof{Gjog ug{ ;lsG5 . oBlk,

9

oL sfo{x?nfO{ ;dfgfGt/ of]hgf eGbf klg ljsf;sf of]hgfdf PsLs[t / d"nk|jfxLs/0f ug{' cfjZos x'G5 .

$= :yfgLo cg's"ng of]hgfsf] vfsf

$=!= vfsfsf] ;du| k|ls|of

hnjfo' kl/jt{gnfO{ d"nk|jfxLs/0f ug{sf] nflu :yfgLo :t/df o; ;DjGwL hgr]tgf / Ifdtfsf] ljsf; x'g' h?/L 5 . csf]{ dxTTjk"0f{ k|lqmof eg]sf] hf]lvd / ;+s6f;Ggtfsf] ljZn]if0f, hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf /0fgLltsf] klxrfg xf] . klxrfg ul/Psf /0fgLlt / sfo{x?nfO{ :yfgLo ;/sf/sf] gLlt tyf of]hgfx?df ;dfof]hg / jflif{s sfo{qmddf ;dfj]z ug{' :yfgLo cg's"ng sfo{of]hgf vfsfsf] d'Vo p2]Zo /x]sf] 5 . o;} u/L cg's"ng sfo{x?nfO{ :yfgLo ;d'bfo nlIft u/L sfof{Gjog ug{' csf]{ dxTTjk"0f{ kIf /x]sf] 5 . hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgnfO{ ;du| :yfgLo of]hgf k|lqmofdf ;dfof]hg ug{ d'Vo ?kdf lrq # df plNnlvt ^ j6f k|lqmofx?nfO{{ c+uLsf/ ul/Psf] 5 .

lrq # M nfkf vfsfsf] ;du| k|ls|of

hnjfo' kl/jt{g ;DaGwL ;r]tgf tyf

Ifdtf clej[l4 ;+s6f;Ggtf, hf]lvd ljZn]if0f tyf

j:t'ut ljj/0fsf] tof/L

hnjfo' kl/jt{g cg's"ng tyf ljkb\hf]lvd Go"gLs/0f / Joj:yfkgsf

/0fgLltx¿sf] klxrfg

hnjfo' kl/jt{g cg's"ng tyf ljkb\hf]lvd Go"gLs/0f / Joj:yfkgsf

/0fgLltx?nfO{ :yfgLo cfjlws of]hgf tyf ljsf;sf gLltx?df d"nk|jfxLs/0f

hnjfo' kl/jt{g cg's"ng tyf ljkb\hf]lvd Go"gLs/0f / Joj:yfkgnfO{

:yfgLo txsf] jflif{s of]hgf, ah]6

th{'df, / cg'udg tyf d"Nof+sg k|lqmofdf d"nk|jfxLs/0f

3/w'/L, :yfgLo ;d'bfo / pkef]Qmf ;d"x :t/df cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf sfo{x?sf]

th{'df / sfof{Gjog

10

$=!=!. hnjfo' kl/jt{g ;DaGwL ;r]tgf tyf Ifdtf clej[l4

hnjfo' kl/jt{gn] kfg]{ c;/ tyf k|efjnfO{ ;Daf]wg ug{sf nflu :yfgLo ;d'bfo / :yfgLo txdf cg's"ng sfo{x? klxrfg / k|j4{g ug{ hnjfo' kl/jt{gn] s] s:tf] c;/ kf/]sf] 5, s] s:tf] k|efj kfg{ ;Sb5, cg's"ngsf ljBdfg cj;/ / r'gf}tL s] s] 5g\ / cg's"ngsf nflu cfjZos ;|f]t / ;fwg s;/L h'6fpg] cflb ;"rgf ;+s6f;Gg JolQm, kl/jf/, / ;d'bfo / :yfgLo txsf of]hgf th{'dfstf{nfO{ cfjZos kb{5 . hnjfo' kl/jt{gsf k|efjaf/] ;/f]sf/jfnfx?;Fu 5nkmn / pgLx?sf] ;r]tgf tyf Ifdtf clej[l4 ug{' cg's"ng sfo{ klxrfgsf] nflu k|j]zlaGb' dflgG5 . o; sfo{n] :yfgLo tx / ;d'bfo :t/df hnjfo' kl/jt{gsf d'2fnfO{ ;+:yfut ug{ tyf ;/f]sf/jfnfx?aLrsf] ;xsfo{nfO{ ;xh agfpg d2t ub{5 .

sfo{x?

§ hnjfo' kl/jt{gsf] xfnsf] cj:yf, ;+s6fkGgtf, hf]lvd tyf eljiodf o;n] kfg{ ;Sg] k|efjx?sf] af/]df ;d'bfo / :yfgLo ;/f]sf/jfnfx?nfO{ ;';"lrt ug]{ .

§ hnjfo' kl/jt{gsf] af/]df :yfgLo :t/df bIf hgzlQm -;|f]t JolQm_ tof/ ug]{ .

§ hnjfo' kl/jt{g ;DaGwL hfgsf/Ld"ns ;fdu|L tof/ u/L pQm ;fdu|Lx?df :yfgLo ;d'bfosf] kx'Fr a9fpg] .

$=!=@= ;+s6f;Ggtf tyf hf]lvd ljZn]if0f / j:t'ut ljj/0fsf] tof/L

:yfgLo cg's"ng sfo{of]hgf tof/ ug{ hnjfo' kl/jt{gsf] xfnsf] cj:yf / kl/b[Zosf] Pj+ o;sf sf/0f x'g ;Sg] k|efjx?sf] ljZn]if0f, hf]lvddf /x]sf If]q tyf k|0ffnLx?sf] klxrfg Pj+ k|sf]k / hf]lvdn] k'¥ofPsf] Ifltsf] n]vfhf]vf ug'{ cfjZos x'G5 . o;qmddf hnjfo' kl/jt{g s;/L ePsf] 5, ;+s6f;Gg JolQm, 3/w'/L tyf ;d'bfox¿ sf] sf] x'g\, lsg x'g\, ef}uf]lns If]q -hnfwf/ / t6Lo If]q, gbL k|0ffnL, e"kl/lw_ Pj+ hLljsf]kfh{g tyf kof{j/0fLo k|0ffnLdf s:tf] c;/ u/]sf] 5 eGg] hfgsf/L ;Íng ul/G5 . o; k|lqmof dfkm{t ;+s6f;Gg JolQm tyf ;d'bfox? / hLljsf]kfh{g tyf kof{j/0fLo k|0ffnLsf] ljj/0f tof/ u/L ;f] adf]lhd cg's"ng / hf]lvd Go"gLs/0f / Joj:yfkgsf sfo{qmdx? tof/ ug{ d2t k'U5 .

;+s6f;Ggtf tyf hf]lvd ljZn]if0f / j:t'ut ljj/0f ;lxtsf] hf]lvd kfZj{lrq (RiskProfile)ufFpkflnsf÷gu/kflnsf, ;d'bfo tyf 3/w'/L / ef}uf]lns If]q -hnfwf/ / t6Lo If]q, gbL k|0ffnL, e"kl/lw_ tyf k|0ffnL -hLljsf]kfh{g tyf kof{j/0fLo_ :t/df tof/ ug{ ;lsG5 . oL ljj/0fx? cfjlws ?kdf tof/ ug]{ / jflif{s ?kdf cBfjlws ub}{ ;d'bfo tyf ufFpkflnsf÷gu/kflnsf:t/df k+hLs/0f ug'{ pko'Qm x'G5 .

11

sfo{x?

§ hnjfo' kl/jt{gsf] xfnsf] cj:yf / kl/b[Zo tyf o;sf ;Defljt k|efjx?sf] ljZn]if0f ug]{ .

§ k|sf]k / hf]lvdx?sf] klxrfg, dfkg / o;sf c;/x?sf] ljZn]if0f ug]{ ;fy} ;+j]bgzLn If]qx? klxrfg ug]{ . o; s|ddf hnjfo'hGo hf]lvddf /x]sf ;a} ju{ tyf ;d'bfox? -ls;fg, dlxnf, blnt, cflbjf;L hghflt, dw];L, yf?, d'l:nd, pTkLl8t ju{, lk58f ju{, cNk;+Vos, ;LdfGts[t, o'jf, afnaflnsf, Ho]i7 gful/s, ckfËtf ePsf JolQm cflb_ sf] k|ltlglwTj ;'lglZrt ug'{kb{5 .

§ :yfgLo ;|f]t ;fwg ;DaGwL ;"rgf ;+sng ug]{ tyf ;+s6f;Ggtfsf] cfwf/df j8fx?sf] juL{s/0f ug]{, j8fleqsf ;+s6f;Gg JolQm, kl/jf/, ;d"x, ;d'bfo / ef}uf]lns If]q -hnfwf/ / t6Lo If]q, gbL k|0ffnL, e"kl/lw_ tyf hLljsf]kfh{g tyf kof{j/0fLo k|0ffnLdf hnjfo' kl/jt{gn] kf/]sf] / kfg{ ;Sg] k|efjx?sf] ljZn]if0f ug]{ .

§ hnjfo' kl/jt{gn] s[lif, vfB ;'/Iff, jg tyf h}ljs ljljwtf, hn;|f]t, pmhf{, :jf:Yo / ;/;kmfO, ko{6g, k"jf{wf/ ljsf; nufotsf If]qx¿df kf/]sf] c;/x¿sf] ljZn]if0f ug]{ .

§ hnjfo' hf]lvd, ;+j]bgzLntf / cg's"ng Ifdtfsf cfwf/df k|fyldstfdf kg]{ hnjfo' ;+s6f;Gg kl/jf/, a:tL, ;d"x, ;d'bfo, ef}uflns If]q / j8fx¿sf] klxrfg ug]{ .

§ hnjfo'hGo hf]lvd, ;+j]bgzLntf / cg's"ng Ifdtfsf cfwf/df k|fKt ;"rgfx¿nfO{ PsLs[t u/L j:t'ut ljj/0fsf] tof/L / k+hLs/0f ug]{ / ;Dej eP;Dd hnjfo' ;"rsx¿ -h:t} tfkqmd, jiff{ cflb_ sf] ;fy} hnjfo'hGo k|sf]kx¿sf] 36gf tyf Ifltsf] ljj/0fsf] clen]v /fVg] .

§ cfjlws ¿kdf tof/ ul/Psf hf]lvd tyf ;+s6f;Ggtf ;DaGwL j:t'ut ljj/0fnfO{ jflif{s ¿kdf cBfjlws ug]{ .

$=!=#= hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf /0fgLltx?sf] klxrfg

o; r/0fdf JolQm, 3/w'/L, ;d'bfo, k|0ffnL jf If]qsf] ;+s6f;GgtfnfO{ Go"gLs/0f ug]{ tyf ltgLx¿sf] hnjfo' pTyfgzLntf j[l4 ug]{ vfnsf cg's"ng /0fgLltx¿sf] klxrfg ul/G5 . hnjfo' kl/jt{g cg's"ng / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf lqmofsnfkx¿ ljleGg ljifout If]q;Fu ;DalGwt x'g] ePsfn] /0fgLlt tof/ ubf{ hnjfo' kl/jt{gn] s[lif, vfB ;'/Iff, jg tyf h}ljs ljljwtf, hn;|f]t, pmhf{, ko{6g, :jf:Yo / ;/;kmfO{ nufotsf dxTTjk"0f{

12

hLljsf]kfh{gsf If]qx¿df kf/]sf] k|efjnfO{ Go"gLs/0f ug]{ / pTyfgzLn agfpg] pkfox¿af/] Wofg lbg'kb{5 .

hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf /0fgLltx¿sf] klxrfg ufFpkflnsf, gu/kflnsf, ;d'bfo tyf 3/w'/L / ef}uf]lns If]q -hnfwf/ / t6Lo If]q, gbL k|0ffnL, e"kl/lw_ tyf k|0ffnLsf] -hLljsf]kfh{g tyf kof{j/0fLo_ :t/df tof/ ug{ ;lsG5 . oL /0fgLltx¿ cfjlws ¿kdf tof/ ug]{ / jflif{s ¿kdf cBfjlws ubf{ pko'Qm x'G5 . oL ljj/0f ;d'bfo, ufFpkflnsf / gu/kflnsf:t/df k+hLs/0f ug{ ;lsG5 . 3/w'/L, ;d'bfo / ;fdflhs ;+3 ;+:yfsf] cu'jfOdf klxrfg ul/Psf cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkg sfo{x¿ :yfgLo ;/sf/sf] of]hgf th{'df tyf PsLs[t pkhnfwf/ Joj:yfkg of]hgf, ;fd'bflos jgsf] sfo{of]hgf cflb If]qut of]hgf th'{df ubf{ ;dfj]z ug{ h?/L 5 .

d'Vo sfo{x¿

§ hnjfo' kl/jt{g cg's"ng / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf sfo{x¿sf] klxrfg ug{ :yfgLo :t/df ;DalGwt ;/f]sf/jfnfx¿sf] ;xeflutfdf lglZrt dfkb08 cyjf cfwf/ tof/ ug]{ .

§ hnjfo'd}qL k|0ffnL tyf ;|f]tdf kx'Fr k'¥ofpg], ;+s6f;Gg ;d'bfosf] Ifdtf clej[l4 ug]{, k"jf{wf/ ljsf;sf sfo{sf] lbuf]kgf / u'0f:t/df j[l4 ug]{ vfnsf cg's"ng / hf]lvd Go"gLs/0fsf cEof; Pj+ sfo{ klxrfg ug]{ .

§ :yfgLo ;|f]t, ;fwg, k/Dk/fut tyf df}lns 1fgdf cfwfl/t cEof;df /x]sf cg's"ng / hf]lvd Go"gLs/0fsf sfo{x¿nfO{ k|fyldsLs/0f ug]{ .

§ ljifout If]q;+u ;DalGwt cg's"ng / hf]lvd Go"gLs/0fsf] /0fgLlt klxrfg ug]{ .

§ ;d'bfon] ;~rfng ul//x]sf / ug{ ;Sg] hLljsf]kfh{gdf cfwfl/t cg's"ng cEof; tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf sfo{x¿sf] juL{s/0f ug]{ .

§ hnjfo' kl/jt{g cg's"ng tyf hf]lvd Go"gLs/0f sfo{x?sf] nfut / nfe ljZn]if0f (Cost and Benefit Analysis), k|ljlw Pj+ ;|f]tsf] klxrfg tyf n]vfhf]vf ug]{ .

§ hnjfo' kl/jt{g cg's"ng, hf]lvd Go"gLs/0f tyf hnjfo'd}qL ljsf;sf lqmofsnfkx¿ sfof{Gjog tyf ;xsfo{ ug{ ;Sg] ;]jf k|bfos -;d'bfo, :yfgLo ;ldltx¿, lghL If]q / ;+3 ;+:yfx¿_ sf] gS;f+sg ug]{ .

§ ;d'bfo :t/jf6 klxrfg ePsf ;+s6f;Gg If]q / ;f] If]qsf ;+s6f;Gg JolQm, 3/w'/L tyf ;d'bfo nlIft cg's"ng / hf]lvd Go"gLs/0fsf sfo{x¿nfO{ of]hgf th{'df k|lqmofdf s;/L ;dfj]z ug]{ eGg] /0fgLlt tof/ ug]{ .

13

$=!=$= hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf /0fgLltx¿nfO{

:yfgLo cfjlws of]hgf tyf ljsf;sf gLltx¿df d"nk|jfxLs/0f

o; sfo{sf] p2]Zo hnjfo' kl/jt{g ;DaGwL :yfgLo ;"rgf, hf]lvdsf] cj:yf, ;|f]t ;fwgsf] pknAwtf, u'0f:t/ tyf To;dflysf] kx'Fr / cg's"ng tyf hf]lvd Go"gLs/0fsf] cfjZostf klxrfgsf] cfwf/df hnjfo' kl/jt{gnfO{ :yfgLo txsf] cfjlws of]hgf tyf ljsf;sf gLltx¿df d"nk|jfxLs/0f u/L hnjfo' kl/jt{g Joj:yfkgnfO{ ;+:yfut ug'{ /x]sf] 5 . o;sf ;fy} o; k|lqmofn] hnjfo' kl/jt{gsf] h]flvddf /x]sf kl/jf/, ;d'bfo, j8f jf ufFpkflnsf / gu/kflnsfx¿nfO{ cfˆgf cg's"ng k|fyldstfaf/] k|:6;Fu JoQm ug{ / k|efjsf/L sfof{Gjogsf nflu ;/sf/L, u}/;/sf/L / lghL If]qsf ;|f]t kl/rfng ug{ dfu{ k|z:t ub{5 . hnjfo' kl/jt{g ;DaGwL ljZn]if0f, cg's"ng / hf]lvd Go"gLs/0fsf /0fgLltx¿ :yfgLo cfjlws of]hgf cyjf bL3{sfnLg of]hgfdf ;dfj]z ug{ cg';"rL $ df ;dfj]z gd"gf ;"rLsf] k|of]u ug{ ;lsG5 .

sfo{x¿

§ hnjfo' kl/jt{g cg's"ng / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf sfo{nfO{ :yfgLo cfjlws of]hgf tyf ljsf;sf gLltx¿df d"nk|jfxLs/0f ug{ :yfgLo cfjZostf cg';f/ gLlt tyf hnjfo'd}qL k"jf{wf/ ljsf; lgb]{lzsf tof/ ug]{ .

§ /fli6«o tyf k|fb]lzs of]hgf cfof]ux¿sf] cfwf/kq tyf cfjlws ljsf; of]hgfnfO{ k|:yfglaGb' agfP/ hnjfo' pTyfgzLntfsf bL3{sfnLg nIo tyf ;f]rx¿ cfjlws of]hgfdf ;dfof]hg ug]{ .

§ k|fljlws ¿kn] sfof{Gjog ug{ sl7g tyf w]/} ;|f]t nfUg] cg's"ngsf of]hgfx¿ ax'jifL{o, bL3{sfnLg tyf cfjlws of]hgfdf ;dfof]hg u/]/ sfof{Gjog ug]{ .

§ :yfgLo txaLr jf :yfgLo tx / k|b]z Pj+ ;+3;Fu ;dGjo u/L sfof{Gjog ug'{kg]{ k|s[ltsf hnjfo' kl/jt{g cg's"ngsf cfof]hgfx¿ cfjlws of]hgfdf PsLs/0f u/L sfof{Gjogdf ;xhLs/0f ug]{ .

§ :yfgLo cfjlws of]hgf tyf ljsf;sf gLltx¿sf] k|efjsf/L sfof{Gjogsf nflu ;/sf/L lgsfo, u}/;/sf/L ;+3 ;+:yf, ljsf; ;fem]bf/ / lghL If]qsf ;|f]t kl/rfng ug{ dfu{lrq tyf vfsf tof/ ug]{ .

14

$=!=%= hnjfo' kl/jt{g cg's"ng / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf /0fgLltx¿nfO{{ :yfgLo txsf] jflif{s of]hgf ah]6 th{'df / cg'udg tyf d"Nof+sg k|lqmofdf

d"nk|jfxLs/0f

xfn :yfgLo txx¿n] cEof; ub}{ cfPsf jflif{s of]hgf tyf ah]6 th{'dfsf] r/0fx¿nfO{ hnjfo' kl/jt{g cg's"ng / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkgnfO{ d"nk|jfxLs/0fsf] k|:yfglaGb'sf ¿kdf klxrfg ul/Psf] 5 . of]hgf th{'df k|lqmofsf ;ft r/0fx¿ / :yfgLo txn] cfˆgf] sfo{If]qleq ;+rfng ug]{ ljifout If]q cg';f/ hnjfo' hf]lvd Go"gLs/0f tyf cg's"ngsf sfo{nfO{ ;dfof]hg ug{'kg]{ x'G5 -lrq $_ . of]hgf th'{df ubf{ gu/kflnsf tyf ufpFkflnsfsf ;a} j8f / ufpF–6f]n tyf :yfgLo a:tLsf k|efljt tyf ;+s6f;Gg ;d'bfosf] k|ToIf / ;dfj]zLo'Qm ;xeflutf ;'lglZrt ug'{ cfjZos x'G5 .

lrq $= :yfgLo txsf] jflif{s of]hgf th{'df k|lqmofdf hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf sfo{x¿sf] ;dfof]hg

k"j{of]hgf tof/L

;|f]t cg'dfg tyf lgwf{/0f

of]hgf 5gf}6

j8f:t/Lo of]hgf k|fyldsLs/0f

of]hgf tyf ah]6 th{'df

ufpF jf gu/ ;efaf6 sfo{qmd :jLs[t

sfo{of]hgf sfof{Gjog

cg'udg tyf d"Nof+sg

15

s_ k"j{of]hgf tof/L

hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf sfo{x¿nfO{ :yfgLo of]hgf th{'df k|lqmofdf d"nk|jfxLs/0f ug'{k"j{ tof/Lsf] klxrfg tyf cEof; ul/g'kb{5 . :yfgLo txsf] hnjfo'hGo hf]lvd ljZn]if0f tyf cg's"ng sfo{x¿sf] klxrfg ePsf

clen]vx¿, h:t}M hf]lvd kfZj{lrq (Riskprofile_, dfly 5nkmn dfkm{t ;+s6f;Gg a:tL tyf ;d'bfox¿sf] ;r]tgf clej[l4 u/fOg'kb{5 . hnjfo' kl/jt{gsf] k|efj tyf cg's"ngsf] dxTjaf/] ;/f]sf/jfnfx¿sf] ;r]tgf clej[l4 ug{' h?/L x'G5 . o;n] of]hgf th{'df k|lqmofdf 5gf}6 tyf k|fyldsLs/0f ul/g] cg's"ngsf of]hgf tyf ;|f]tsf] klxrfgdf ;xhLs/0f tyf ;+s6f;Gg ;d'bfo / ;/f]sf/jfnfx¿aLr P]Soa4tf k|bfg ub{5 . o; sfo{sf] d'Vo p2]Zo hnjfo' kl/jt{g cg's"ng / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf sfo{x¿nfO{ :yfgLo of]hgf th{'df k|lqmofdf d"nk|jfxLs/0f ug{ of]hgfa4 agfP/ n}hfg'k"j{ of]hgf tof/L ug'{ / ;r]tgf clej[l4 ug{' /x]sf] 5 .

sfo{x¿

§ :yfgLo ;/sf/af6 sfof{Gjog x'g] k"jf{wf/ ljsf;sf of]hgfx¿nfO{ lbuf] / hnjfo'd}qL agfpg cfjZos gLltut tyf k|fljlws kIfx¿sf] klxrfg ug]{ .

§ :yfgLo txdf tof/ ePsf] hnjfo' hf]lvd ljZn]if0f tyf cg's"ng sfo{x¿sf] j:t'ut ljj/0f, ljutsf l;sfO tyf cg'ejdfly 5nkmn dfkm{t ;r]tgf clej[l4 ug]{ .

§ hnjfo' kl/jt{gsf] pRr hf]lvddf /x]sf ;+s6f;Gg 3/w'/L tyf ;d'bfox¿sf] of]hgf ;dfof]hg k|lsofdf ;xeflutf ;'lglZrt ug]{ .

§ :yfgLo hnjfo' kl/jt{g cg's"ng / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf sfo{nfO{ jflif{s of]hgfx¿df d"nk|jfxLs/0f ug{ ;d'bfo / cGo ;+3 ;+:yfx¿nfO{ kl/rfng ug]{ .

v_ ;|f]t cg'dfg tyf lgwf{/0f

hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf sfo{ sfof{Gjog ug{ :yfgLo ;/sf/, ;+3;+:yf, ;d'bfo, ;d"x, pkef]Qmf ;ldlt, lghL If]q;Fu ePsf ;|f]t, Ifdtf, k|ljlw tyf ah]6sf] lgwf{/0f ug{'kg]{ x'G5 . :yfgLo txdf k|fKt x'g] cfGtl/s cfo, /fh:j afF8kmfF8af6 k|fKt x'g] /sd, C0f cg'bfg / cGo cfosf] k|If]k0fsf] cfwf/df lglZrt /sd hnjfo' kl/jt{g cg's"ng / hf]lvd Go"gLs/0fdf nufgL ug]{ ;'lglZrt ePdf ;/sf/L ;+oGq eGbf aflx/ /x]sf ;|f]tx¿ klxrfg tyf kl/rfng ug{ ;xh jftfj/0f ;[hgf ub{5 . hnjfo'

16

kl/jt{g cg's"ng, hf]lvd Go"gLs/0f tyf lbuf] ljsf;sf nIo nufot /fli6«o, cGt//fli6«o k|lta4tfsf] sfof{Gjogsf nflu cfjZos kg]{ ;|f]t, g]kfn ;/sf/ tyf k|b]z ;/sf/af6 k|fKt dfu{bz{g, :yfgLo cfly{s cj:yf / cfGtl/s cfosf] cj:yfnfO{ cfwf/ dfg]/ ;|f]t kl/rfngsf] k|fyldsLs/0f to ug{'kb{5 . ;|f]t tyf ah]6 lgwf{/0f ubf{ pRr hnjfo'hGo hf]lvddf /x]sf 3/w'/L, ;d'bfo tyf If]qnfO{ k|fyldstfdf /fvL To; If]qsf nflu ljz]if ;|f]t lgwf{/0f ug{'kg]{ x'G5 . o;sfo{sf] d'Vo p2]Zo k|fyldstfsf cfwf/df 5gf}6 ePsf hnjfo' kl/jt{g cg's"ng / ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf of]hgfx¿sf] sfof{Gjog ;'lglZrt ug{ cfjZos ;|f]tsf] n]vfhf]vf ug{' /x]sf] 5 .

sfo{x¿

§ hnjfo' kl/jt{g cg's"ng, ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkg / hnjfo' d}qL sfo{sf nflu :yfgLo , k|fb]lzs, ;+3Lo, /fli6«o Pj+ cGt//fli6«o / cGo If]qaf6 pknAw ;|f]tsf] cj:yfsf af/]df n]vfhf]vf ug]{ .

§ :yfgLo txdf k|fKt x'g] cfGtl/s cfo, /fh:j afF8kmfF6af6 k|fKt x'g] /sd, cg'bfg C0f / cGo cfosf] k|If]k0fsf] cfwf/df lglZrt /sd hnjfo' cg's"ngsf sfo{df vr{ ug{ of]hgf agfpg] .

§ hnjfo' kl/jt{g cg's"ng, hnjfo'd}qL / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkg

sfo{sf nflu cfjZos nufgL / o;sf] ck]lIft pknlAwsf] n]vfhf]vf ug]{ .

§ hnjfo' kl/jt{g cg's"ng, hnjfo'd}qL / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkg sfo{sf nflu cfjZos cGo ;|f]tx¿sf] klxrfg ug]{ .

§ hnjfo' kl/jt{g cg's"ng, hnjfo'd}qL / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkg sfo{sf nflu k|fKt x'Gf;Sg] ;|f]tx¿sf] juL{s/0f ug]{ .

§ ;|f]t ;fwg ePsf :yfgLo ;d"x, ;ldlt, ;+3 ;+:yf / lghL If]qsf] klxrfg u/L ;xeflutf Pj+ ;xsfo{sf] nflu cfXjfg ug]{ .

u_ of]hgf 5gf}6

ljsf;sf of]hgf 5gf}6 ubf{ d'Vot b'O{ j6f s'/fnfO{ dWogh/ ug{'kb{5 . klxnf] hnjfo' kl/jt{gaf6 k|efljt JolQm, 3/w'/L, ;d'bfo / hLljsf]kfh{gsf ;|f]ts]lG›t hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf ljz]if sfo{x¿nfO{ jflif{s of]hgfdf ;dfj]z ug'{kb{5 . o;f] ubf{ :yfgLo hf]lvd ljZn]if0f tyf cg's"ng ljj/0fsf] cfwf/df

17

cg's"ng cfjZostf / klxrfg ePsf sfo{nfO{ ;dfj]z ug{'kb{5 . bf];|f], ljsf;sf sfo{nfO{ hnjfo'd}qL jgfpg o;sf] nflu k|fyldstf cyjf of]hgf 5gf}6 ubf{ hnjfo'd}qL / Go"g pT;h{g ljsf;sf sfo{qmd 5gf}6 ug{'kb{5 . ljsf;sf sfo{af6 hf]lvd ;[h{gf ug]{ cyjf ljBdfg hf]lvdnfO{ a9fpg] ePsf] v08df pko'Qm hf]lvd Go"gLs/0fsf pkfox¿ cjnDag ug{ ;lsg] ;Defjgfsf] cfwf/ 5gf}6 ug{'kb{5 . of]hgf 5gf}6 ubf{ d'VotM hf]lvd tyf

;+s6f;Ggtf ljZn]if0f tyf j:t'ut ljj/0f -hf]lvd kfZj{lrqsf] (Risk Profile) cfwf/df ug{'kb{5 .

o;/L 5gf}6 ePsf of]hgfx¿nfO{ lbuf]kg tyf ckgTj k|bfg ug{ gful/s ;dfhsf ;+:yfx¿, pkef]Qmf ;d"x, cfdf tyf dlxnf ;d"xx¿, afn Snj, :yfgLo u}/;/sf/L ;+:yf, ;xsf/L ;+:yf, lghL If]qsf ;+:yf h:tf :yfgLo ;+3 ;+:yfx¿sf] ;lqmo ;xeflutf / kl/rfng u/fOg'kb{5 . o; sfo{sf] d'Vo p2]Zo hnjfo' ;+s6f;Gg 3/w'/L tyf ;d'bfosf] hLljsf]kfh{g k|0ffnLnfO{ hnjfo' pTyfgzLn agfpg' / :yfgLo txsf] k"jf{wf/ ljsf;sf of]hgfx¿nfO{ hnjfo'd}qL agfpg' /x]sf] 5 .

sfo{x¿

§ hLljsf]kfh{gdf cfwfl/t cg's"ngsf sfo{x¿sf] 5gf}6 ug]{ .

§ hnjfo'd}qL k|ljlw tyf k"jf{wf/ ljsf;sf of]hgfx¿sf] 5gf}6 ug]{ .

§ :yfgLo ;/sf/sf] ;+oGq aflx/ /x]sf cg's"ngsf cEof;, ;|f]t, Ifdtf tyf 1fgnfO{ klxrfg u/L of]hgf 5gf}6 k|lqmofdf ;dflji6 u/fpg] . of]hgf 5gf}6 k|lqmofdf hnjfo' kl/jt{gdf sfo{/t 3/w'/L, ;d'bfo / ;fdflhs ;+3 ;+:yfx¿ tyf kl/of]hgfx¿;+u 5nkmn ug]{ .

§ hnjfo' kl/jt{g cg's"ng / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkg ;DaGwL tof/ ePsf] :yfgLo txsf] j:t'ut ljj/0fnfO{ (Risk Profile) cfwf/ agfP/ cGt/lqmof, 5nkmn, ljdz{ u/L of]hgfx¿sf] 5gf}6 ug]{ .

§ 5gf}6 ePsf hnjfo' kl/jt{g cg's"ng / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf sfo{x¿af6 k|fKt nfe / nfutsf] n]vfhf]vf ug]{ .

§ hnjfo' kl/jt{g cg's"ng / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf of]hgfx¿ 5gf}6 ubf{ hnjfo' hf]lvddf /x]sf ;d'bfonfO{ a:tL :t/df ljefhg u/L pgLx¿sf] cy{k"0f{ ;xeflutfsf] ;'lglZrttf ug]{ .

§ o;/L 5gf}6 ePsf of]hgfx¿sf] ;"rL k|fyldsLs/0fsf nflu lnlvt ¿kdf j8f ;ldltdf k7fpg] .

18

5gf}6sf d'Vo cfwf/x¿

5gf}6 ubf{ hf]lvd, ;+s6f;Gg kl/jf/, a:tL, ;d'bfox¿sf] hnjfo' pTyfgzLn k|0ffnL tyf ;|f]tdf kx'Fr k'¥ofpg], ;+s6f;Gg ;d'bfosf] Ifdtf clej[l4 ug]{ / hnjfo'd}qL k|ljlw tyf k"jf{wf/ ljsf;df cg's"ngsf cEof; P+j sfo{ ;dfj]z of]hgf klxrfg ug'{kb{5 . ljz]ifu/L dlxnf / ;+s6f;Gg kl/jf/ nlIft sfo{nfO{ k|fyldstfdf /fVg'kb{5 . 5gf}6sf cfwf/ lgDg x'g

;S5g\: § ljsf;sf of]hgf 5gf}6 ubf{ jftfj/0f / hnjfo'nfO{ k|lts"n c;/ gk'¥ofpg], hnjfo'

d}qL / Go"g pT;h{g, ;+s6f;Gg kl/jf/, a:tL, :yfgLo ;d'bfox¿sf] hf]lvd tyf km/s k|efj sd ug]{, kl/jlt{t hnjfo' / hf]lvd;Fu cg's"ng x'g], lbuf] / hgd'vL sfo{qmd ;dfj]z ug]{ .

§ kfl/l:yltsLo k|0ffnLdf vnn gkg]{ u/L k|fs[lts ;|f]tsf] plrt k|of]u tyf Joj:yfkg s]lGb|t sfo{qmd to ug]{ .

§ k"jf{wf/ ljsf;sf of]hgfx¿ 5gf}6 ubf{ hnjfo'hGo hf]lvdn] kfg{ ;Sg] c;/ / o;sf] Go"gLs/0f ug{] pkfox¿ klxrfg ug]{ .

§ JolQm, 3/w'/L, ;d'bfo / ;fdflhs ;+3, ;+:yfx¿ tyf kl/of]hgfx¿n] k]; u/]sf hnjfo' pTyfgzLn of]hgf tyf hLljsf]kfh{gsf sfo{qmdx¿ .

3_ j8f:t/Lo of]hgf k|fyldsLs/0f

j8f:t/df ljsf;sf of]hgf k|fyldsLs/0f ubf{ d'VotM cg's"ng, hf]lvd Go"gLs/0f / hnjfo'd}qL sfo{x¿nfO{ cGo cfwf/df ;dfj]z ug{'k5{ . of]hgf 5gf}6df klxrfg / ;"rLs[t ul/Psf :yfgLo cgs"ng sfo{x¿sf] k|fyldsLs/0f ubf{ ;d:of tyf r'gf}tLsf] ;Ldfsf] cfwf/df cg's"ng sfo{x¿sf] k|fyldsLs/0f ug{'kb{5 . ;fy} hnjfo' ;+s6f;Gg ;d'bfosf hf]lvd Go"gLs/0f tyf hnjfo'd}qL / Go"g pT;h{g k"jf{wf/ ljsf;sf] cfjZostf ;Daf]wg ug]{ vfnsf sfo{x¿nfO{ k|fyldsLs/0f ug{'kb{5 . o;sf nflu ;do / :yfg ljz]if cg';f/sf d'Vo cfwf/x¿ to ug{ ;lsG5 . o; sfo{sf] d'Vo p2]Zo klxrfg / ;"rLs[t ul/Psf :yfgLo cgs"ng / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf sfo{x¿sf] lglZrt dfkb08sf cfwf/df k|fyldsLs/0f ug]{ /x]sf] 5 .

sfo{x¿

§ ;/f]sf/jfnfx¿ / ;+s6f;Gg a:tL, 3/w'/L tyf ;d'bfosf] ;xeflutfdf j8f:t/Lo of]hgf k|fyldsLs/0fdf hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf sfo{x¿sf] dfkb08 lglZrt cfwf/df to ug]{ .

19

§ dfkb08sf] cfwf/df ;+s6f;Gg a:tL, 3/w'/L tyf ;d'bfosf nflu cTofjZos hnjfo' kl/jt{g cg's"ng tyf ljkb\\ hf]lvd Go"gLs/0f / Joj:yfkgsf sfo{x¿sf] ax'cfwf/ :t/Ls/0f ljlw dfkm{t k|fyldsLs/0f ug]{ .

§ k|fyldsLs/0faf6 cfPsf of]hgf tyf sfo{nfO{ :yfgLo txsf] of]hgf vfsfdf tof/ u/L sfo{kflnsfdf k|:t't ug]{ .

k|fyldsLs/0fsf d'Vo cfwf/x¿

§ hf]lvd, ;+s6f;Gg JolQm, kl/jf/, a:tL / ;d'bfox¿sf] hLljsf]kfh{g tyf kof{j/0fLo k|0ffnLnfO{ pTyfgzLn agfpg] tyf ;|f]tdf kx'Fr k'¥ofpg] .

§ ;+s6f;Gg JolQm, kl/jf/, a:tL, ;d'bfox?sf] Ifdtf clej[l4 ug]{ .

§ hf]lvd Go"gLs/0f ug]{, Iflt / gf]S;fgL sd ug]{ .

§ xl/t ljsf;sf sfo{x¿ -:jR5 pmhf{, ;|f]tsf] ;+/If0f, h}ljs v]tL, kfgLsf] ;+/If0f_ nfO{ a9fjf lbg] .

§ hnjfo'd}qL / sfj{g t6:y k"jf{wf/ ljsf;sf sfo{nfO{ a9fjf lbg] .

§ hnjfo' kl/jt{g cg's"ng / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkg sfo{x¿sf ;Defljt nfe .

§ cfDbfgL / /f]huf/ j[l4 dfkm{t ul/aL lgjf/0fdf k|ToIf of]ubfg k'Ug] .

§ :yfgLo ;d'bfo, ;+3;+:yf, pkef]Qmf ;d"x÷;ldlt, lghL If]qsf] nfut ;xeflutf h'6\g] of]hgfx¿ .

§ :yfgLo ;|f]t ;fwg, 1fg / ;Lksf] pRrtd k|of]u x'g] .

§ lbuf] ljsf; nIo tyf jftfj/0fLo ;+/If0fdf 6]jf k'¥ofpg] .

§ n}+lus ;dfgtf tyf ;fdflhs ;dfj]zLs/0f / ;'zf;g k|j4{g÷ ljsf;df of]ubfg k'¥ofpg] .

klxrfg / ;"rLs[t ul/Psf :yfgLo cg's"ng / hf]lvd Go"gLs/0fsf sfo{x¿sf] lglZrt dfkb08sf cfwf/df k|fyldsLs/0f ubf{ hf]8f :t/Ls/0f / c+sef/sf] cfwf/df ug{ ;lsG5 . dfkb08x¿sf cfwf/df sfo{x¿nfO{ ! -sd_ b]lv !) -pRr_ c+s lbg] / k|fKt c+snfO{ ljZn]if0f u/L dxTTjk"0f{ hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf sfo{ klxrfg ug{ ;lsG5 .

ª_ of]hgf tyf ah]6 th{'df

ljsf;sf of]hgf tyf ah]6 th{'df ubf{ j8faf6 k|fyldstfdf k/]sf hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd Go"gLs/0f / Joj:yfkgsf of]hgfx¿sf] sfof{Gjog ;'lglZrt ug{ ljifout ;ldltx¿df k|fyldstfsf ;fy 5nkmn u/fO{ clGtd k|:tfj tof/ u/L sfo{kflnsfdf

20

k]; ug]{ Joj:yf ug{'kb{5 . j8f ;ldltaf6 Psk6s k|fyldsLs[t eP/ cfPsf of]hgfx¿ ;|f]t cg'dfg tyf ah]6 ;Ldf lgwf{/0fsf] cfwf/df k'gM k|fyldsLs/0f x'g] x'Fbf cTofjZos / tTsfn sfof{Gjog ug{'kg]{ hnjfo' kl/jt{g cg's"ng tyf ljkb\\ hf]lvd Go"gLs/0f / Joj:yfkgsf of]hgfx¿ jflif{s sfo{qmddf ;dfof]hg ePsf] k|Tofe"t ug{'kb{5 . ah]6, k|ljlw tyf ;|f]tsf] ckof{Kttfdf sfof{Gjog ug{ g;lsg] cg's"ngsf of]hgfx¿nfO{ ax'jifL{o sfo{qmd dfkm{t cfjlws of]hgfx¿df ;dfj]z ug{'kg]{ x'G5 . of]hgf tyf ah]6 th{'df ubf{ :yfgLo ;/sf/sf] of]hgf afx]ssf 3/w'/L, ;d'bfo / ;fdflhs ;+3;+:yfsf] cu'jfOdf ePsf cg's"ng / hf]lvd Go"gLs/0fsf sfo{nfO{ ;dfof]hg ug{'k5{ . o; sfo{sf] d'Vo p2]Zo hnjfo' kl/jt{g cg's"ng tyf ljkb\\ hf]lvd Go"gLs/0f / Joj:yfkgsf of]hgfnfO{ :yfgLo txsf] jflif{s of]hgfdf d"nk|jfxLs/0f tyf cfjZos ah]6sf] ;'lglZrttf ug{' /x]sf] 5 .

sfo{x¿

§ j8faf6 k|fyldsLs/0f eP/ cfPsf cg's"ng / hf]lvd Go"gLs/0fsf of]hgfx¿nfO{ ljifout ;ldltx¿df 5nkmn ug]{ tyf :jLs[t ug]{ .

§ j8faf6 k|fyldsLs[t eP/ cfPsf ljsf;sf of]hgfx¿nfO{ hnjfo'd}qL / pTyfgzLn agfpg hnjfo' / hf]lvdn] kfg]{ c;/ Go"gLs/0f ug]{ pkfox¿ klxrfg u/L of]hgfdf ;dfj]z ug]{ . of] sfo{ ubf{ ljsf;sf sfo{af6 hnjfo' kl/jt{gsf] c;/ / hf]lvd a9fpF5 ls a9fpFb}g / s], s;/L a9fpF5 eg]/ ljZn]if0f ug]{ / hf]lvd Go"gLs/0f s;/L ug{ ;lsG5 / sfo{ s] x'g ;S5g\ eGg] 5nkmn tyf :sf]/ k|0ffnLaf6 pkfox¿ klxrfg u/L k|fyldsLs/0f / of]hgfdf ;dfof]hg ug]{ .

§ :yfgLo ;/sf/sf] of]hgf afx]ssf 3/w'/L, ;d'bfo / ;fdflhs ;+3;+:yfsf] cu'jfOdf klxrfg ePsf cg's"ngsf sfo{nfO{ ;dfof]hg ug]{ .

§ hnjfo' kl/jt{g cg's"ng tyf ljkb\\ hf]lvd Go"gLs/0f / Joj:yfkgsf sfo{x¿ ljz]ifu/L hnjfo'd}qL k|ljlwsf] plrt dd{t, ;Def/ / /]vb]v ug{ ah]6 5'6\ofpg] .

§ 5gf}6 ePsf of]hgfx¿sf] k|fljlws tyf nfut cg'dfgaf/] ;DefJotf cWoog ug]{ .

§ :jLs[t of]hgfx¿nfO{ k|fKt ah]6 tyf ;|f]tsf] cfwf/df :yfgLo txn] cEof; u/]sf] of]hgf 9fFrf cg';f/ tof/ ug]{ . of] of]hgf tof/ ubf{ s] sfo{ ug]{, sxfF ug]{, s;/L ug]{, s;n] sfof{Gjog ug]{, slxn] sfof{Gjog ug]{, slt vr{ nfU5 / s;/L k|ult cg'udg ug]{ eg]/ ;a} s'/f to ug]{ .

21

§ ;du| ljsf; vr{dWo] hnjfo' kl/jt{gsf c;/ ;Daf]wgsf lglDt ah]6 ljlgof]hgaf/] kQf nufpg / 6«oflsª ug{ hnjfo' kl/jt{g ah]6 ;+s]t tof/ ug]{ .

§ :yfgLo txsf] sfo{kflnsfdf k|:tfljt of]hgf k]; u/]/ kfl/t ug]{ .

§ sfo{kflnsfdf :jLs[t of]hgfnfO{ Jo:yflksfaf6 :jLs[t ug{ l;kmfl/; ug]{ .

r_ ufpF jf gu/ ;efaf6 sfo{qmd :jLs[t

:yfgLo ;/sf/ ;+rfng P]g @)&$ n] lgb]{lZft u/] adf]lhd ufFp jf gu/ sfo{kflnsf tyf ;efaf6 sfo{qmd :jLs[t u/fO{ sfof{Gjogdf Nofpg'kb{5 . o;/L :jLs[t ePsf] jflif{s ah]6 tyf sfo{qmd ;j{;fwf/0fsf] hfgsf/Lsf] nflu k|sflzt ug{'kg]{ x'G5 . o;sfo{sf] d'Vo p2]Zo sfo{kflnsfaf6 l;kmfl/; ePsf of]hgfnfO{ :jLs[t ug{' /x]sf] 5 .

sfo{x¿

§ ljsf;sf / ljz]ifu/L hnjfo' kl/jt{g cg's"ng / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkg of]hgfx¿sf] k|:t'lt ug]{ .

§ Joj:yflksfdf of]hgfx¿af/] 5nkmn ug]{ .

§ Joj:yflksfsf] ax'dtaf6 :jLs[t ug]{ .

§ :jLs[t ePsf jflif{s ah]6 tyf sfo{qmd k|sflzt ug]{ .

5_ sfo{of]hgf sfof{Gjog

hnjfo' ;+s6f;Gg ;d'bfosf] ;lqmo ;xelutfdf klxrfg tyf 5gf}6 ePsf] clg :yfgLo txsf] jflif{s sfo{qmddf d"nk|jfxLs/0f ;d]t ePsf] cg's"ng sfo{sf] sfof{Gjogn] hnjfo'hGo hf]lvd Go"gLs/0f tyf cg's"ng Ifdtf a9fO{ hnjfo' pTyfgzLn agfpg d2t ub{5 . o;sf nfuL :yfgLo txdf ePsf ;+:yfut ;+/rgfx¿ g} cg's"ng sfo{sf k|d'v sfof{Gjog stf{ x'g\ . o; nfkf vfsfdf pNn]v eP adf]lhdsf p2]Zo k|fKt ug{ :yfgLo tx;Fu ePsf] ;|f]t kof{Kt gx'g ;S5 . o:tf] cj:yfdf :yfgLo txn] ;+3Lo tyf k|b]z;Fu ;|f]t k|flKtsf nflu ;dGjo ug{'kg]{ x'G5 . hnjfo' kl/jt{gaf6 ;[lht ;d:ofx¿ ;dodf g} ;Daf]wg ePgg\ eg] o;sf gsf/fTds c;/x¿ cem} a9\g] / ;+s6f;Gg ;d'bfon] kfpg'kg]{ ;]jf ;'ljwfaf6 jl~rt x'g'kg]{ x'G5 . hnjfo' kl/jt{g cg's"ng sfo{sf] sfof{Gjogåf/f ul/a tyf hnjfo' hf]lvd 3/w'/Lsf] n}+lus tyf ;fdflhs ;dfj]zLs/0fsf] cjwf/0ff dfkm{t ;xeflutf / nfe

22

;'lglZrt ug{'kb{5 . o;sfo{sf] d'Vo p2]Zo :yfgLo txsf] jflif{s of]hgf th{'df k|lqmofdf d"nk|jfxLs/0f eP/ cfPsf :yfgLo cg's"ng sfo{of]hgf sfof{Gjog ug]{ /x]sf] 5 .

sfo{x¿

§ hnjfo' kl/jt{g cg's"ng / ljkb\\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf sfo{x¿ sfof{Gjog ubf{ ;a} ;+s6f;Gg JolQm, ju{, If]q, lnËsf] cy{k"0f{ ;xeflutf ;'lglZrt ug]{ .

§ ;|f]t ;fwg ePsf :yfgLo ;d"x, ;ldlt, ;+3 ;+:yf, lghL If]q cflbsf] klxrfg u/L ltgsf] ;lqmo ;xeflutf tyf kl/rfng ug]{ .

§ :yfgLo ;|f]t, ;fwg / 1fgsf] clwstd pkof]u ug]{ .

§ sfof{Gjogdf cfPsf hnjfo' kl/jt{g cg's"ng / ljkb\\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf sfo{x¿ ljz]ifu/L hnjfo'd}qL k|ljlwsf] plrt dd{t, ;Def/ / /]vb]v ug]{ Joj:yf ug]{ .

§ hnjfo' kl/jt{g cg's"ng / ljkb\\ hf]lvd Go"gLs/0f tyf Joj:yfkg sfo{ ;+rfng ug{ ;/f]sf/jfnf lgsfo tyf JolQmx¿sf] bfloTj :ki6 ug]{ .

§ ;/f]sf/jfnfaLr ;dGjo lj:tf/ ug{sf nflu ;+:yfut ;+/rgfsf] :yfkgf ug]{ .

§ hnjfo' kl/jt{g cg's"ng / ljkb\\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf nflu ;DalGwt 1fg / ;Lk clej[l4 ug]{ .

§ P]g, gLlt tyf lgb]{lzsf cg';f/ hnjfo' kl/jt{g cg's"ng / hf]lvd Go"gLs/0fsf sfo{x¿ sfof{Gjog ePsf] ;'lglZrt ug]{ .

h_ cg'udg tyf d"Nof+sg

cg'udg tyf d"Nof+sgn] tYofÍsf] cfwf/df nlIft ;d"xx¿n] cg's"ng sfo{ sfof{Gjogaf6 kl/jt{gsf] dx;'; tyf nfe k|fKt u/] gu/]sf] n]vfhf]vf ug{ d2t ub{5 . o;af6 cfPsf l;sfO{ tyf r'gf}tLx¿nfO{ c+uLsf/ ub}{ eljiodf of]hgf ;kmn tyf lbuf] agfpg lgb{]lzt ub{5 . km/s km/s ;d'bfo, 3/w'/L, JolQmdf hnjfo' kl/jt{gsf] c;/ leGg leGg x'G5 / logLx¿sf] cg's"lnt x'g] Ifdtf klg km/s km/s x'G5 . To;}n] cg'udg tyf d"Nof+sgnfO{ :yfg ljz]if cg';f/ ;/nLs/0f ug{'kb{5 . cg'udg tyf d"Nof+sg ubf{ sfof{Gjogdf cfPsf ljsf;sf sfo{ afx]s cg's"ng / Go"gLs/0fsf sfo{x¿ ljz]if u/L hnjfo'd}qL k|ljlwsf] u'0f:t/Lo ;]jf ;'ljwf, dd{t, ;Def/ / /]vb]v ug]{ Joj:yfnfO{ cWoog u/L k[i7kf]if0f ug{'kb{5 . o; sfo{sf] d'Vo p2]Zo hnjfo' kl/jt{g cg's"ng tyf ljkb\ hf]lvd

23

Go"gLs/0f / Joj:yfkgsf lqmofsnfkaf6 pknAw x'g] nfex¿sf] Gofof]lrt ljt/0fsf] cg'udg tyf d"Nof+sg ug]{ /x]sf] 5 .

sfo{x¿

§ cg'udg tyf d"Nof+sgnfO{ k|efjsf/L agfpg cg's"ngsf kl/0ffd tyf sfo{nfO{ kl/eflift ug]{ .

§ cg'udg tyf d"Nof+sg ;DaGwL kf/blz{tf vfsf tof/ u/L sfof{Gjog ug]{ .

§ kl/jt{g, k|ult / k|efjsfl/tf cg'udg ug]{, h:t}M :yfgLo txsf] cfjZostf / pknAw j:t'ut tYof+ssf] cfwf/df cg'udg tyf d"Nof+sg k|0ffnL :yfkgf ug]{ .

§ cfwf/e"t tYofÍsf] cfwf/df nIo ;lxtsf] of]hgf tof/ u/L cg'udg ug]{ .

§ kl/jt{g, k|ult / k|efjsfl/tf cg'udg ug]{ tyf cg's"ng sfo{sf] u'0f:t/Lo sfo{Gjog, cg'udg tyf d"Nof+sg ug]{ .

§ cg'udg tyf d"Nof+sg ubf{ k|rlnt ljlw Pj+ :jcg'udg, ;fj{hlgs ;'g'jfO, cg's"ng Ifdtfsf] n]vfhf]vf h:tf ljljw ljlwx¿ k|of]u ug]{ .

§ ;du| ljsf; vr{dWo] hnjfo' kl/jt{gsf c;/nfO{ ;Daf]wgsf lglDt ah]6 ljlgof]hgaf/] 6«oflsª ug{]{ .

§ cg'udg tyf d"Nof+sg k|ltj]bg tof/ u/L ;DalGwt lgsfodf k]z ug]{ .

§ hf]lvd ljZn]if0f tyf cg's"ng sfo{sf] sfof{Gjog kl5sf] pknlAw ;DaGwL tYof+s /fVg' kg]{ Joj:yf ug]{ .

d"Nof+sgsf cfwf/x¿

§ JolQm, 3/w'/L, a:tL tyf hLljsf]kfh{gsf If]qx¿sf] hf]lvd / ;+s6f;Ggtfsf] cj:yf .

§ :yfgLo :t/df tof/ eO{ sfof{Gjog ul/Psf hnjfo' kl/jt{g cg's"ng / hf]lvd Go"gLs/0fsf of]hgf .

§ hnjfo' cg's"ng / ljkb\\ hf]lvd Go"gLs/0f tyf Joj:yfkg If]qdf ufpF÷gu/kflnsfn] ljlgof]hg u/]sf] ah]6sf] k|efjsfl/tf .

§ hnjfo'd}qL k|ljlw / cEof;jf6 nfeflGjt 3/w'/L, ;d'bfo tyf ljifout If]q

.

24

§ hnjfo'd}qL k|ljlwsf] u'0f:t/Lo ;]jf ;'ljwf ;fdflhs ;'/Iffsf k|fjwfgx¿ -ljQLo ;|f]tdf kx'Fr, ladf, ;x'lnot C0f cflb_ .

§ hnjfo'd}qL pBf]u tyf nufgLaf6 /f]huf/L .

§ ;/sf/, ljsf;sf lgsfox¿, cGt//fli6«o ljsf;sf ;fem]bf/, lghL If]q tyf gful/s ;dfhåf/f :yfgLo hnjfo' cg's"ngsf If]qdf nufgL .

§ :yfgLo cg's"ng of]hgf / sfof{Gjogsf] lg0f{o k|lsofdf dlxnf tyf ;+s6f;Gg JolQmx¿sf] g]t[TjbfoL e"ldsf .

§ cfjZostf cg';f/ cGo ;"rsx¿sf cfwf/df .

$.!=^= 3/w'/L, :yfgLo ;d'bfo / pkef]Qmf ;d"x :t/df cg's"ng / ljkb\\ hf]lvd Go"gLs/0f

tyf Joj:yfkg sfo{x¿sf] th{'df / sfof{Gjog

:yfgLo ;/sf/sf] of]hgf th{'df / sfof{Gjog afx]s :yfgLo :t/df 3/w'/L, :yfgLo ;d'bfo / kl/of]hgfx¿n] :yfgLo cg's"ng / ljkb\\ hf]lvd Go"gLs/0f tyf Joj:yfkg sfo{, ;d'bfodf cfwfl/t cg's"ng sfo{qmd, kf/l:yltsLo k|0ffnL, ;+/If0f If]q Joj:yfkg / ljifout If]q;Fu ;DalGwt / ;d"xsf] of]hgfdf hnjfo' kl/jt{g, cg's"ng tyf ljkb\\ hf]lvd Go"gLs/0f / Joj:yfkgsf sfo{x¿ ;dfof]hg ug]{ ljBdfg k4lt /x]sf] 5 . To;}n] o;sf nflu o; nfkf vfsfn] tL ;a} of]hgfx¿sf] lgdf{0f / sfof{GjognfO{ ;xhLs/0f ug{ dfu{ l{gb]{zg ub{5 .

hf]lvd tyf ;+s6f;Ggtf / o;sf cGt/lglxt sf/0fx¿ JolQm, 3/w'/L / ;d'bfo :t/df km/s km/s ePsf sf/0f :yfgLo of]hgf th{'df k|lqmofdf hnjfo' kl/jt{gaf6 a9L k|efljt dlxnf tyf ;+s6f;Gg 3/w'/Lsf] ljlzi6 ;d:ofnfO{ ;dfwfg ug]{ cg's"ngsf sfo{qmdx¿ ;dfj]z ul/g'k5{ . cg's"ng / hf]lvd Go"gLs/0fsf of]hgfx¿ 3/w'/L, :yfgLo ;d'bfo, pkef]Qmf ;d"x, ;+3–;+:yf / kl/of]hgf:t/df lgdf{0f / sfof{Gjog ug{nfO{ k|f]T;fxg ug{'kb{5 . hnjfo' kl/jt{g cg's"ng / ljkb\\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf sfo{x¿ JolQm, 3/w'/L, :yfgLo ;d'bfo / pkef]Qmf ;d"xsf] hLljsf]kfh{g tyf kfl/l:yltsLo k|0ffnLdf cfwfl/t x'g ;Sg]5 . o;/L aGg] / sfof{Gjog x'g] sfo{x¿nfO{ :yfgLo, k|fb]lzs, ;+3Lo ;/sf/ / cGo ;/f]sf/jfnfsf] ;xof]u x'g'kb{5 .

25

;Gbe{ ;fdu|Lx¿

g]kfnsf] ;+ljwfg, @)&@ .

g]kfn ;/sf/, @)&%= k|b]z cg'udg tyf d"Nof+sg lbUbz{g gd'gf, /fli6«o of]hgf cfof]u, l;+xb/af/, sf7df8f}+ .

g]kfn ;/sf/, @)&^=/fli6«o hnjfo' lglt, @)&^, l;+xb/af/, sf7df8f+} .

g]kfn ;/sf/, @)^*= :yfgLo cg's"ng sfo{of]hgf /fli6«o ;+/rgf, @)^*, jftfj/0f dGqfno, hnjfo' kl/jt{g Joj:yfkg dxfzfvf, sf7df8f}+ .

g]kfn ;/sf/, @)&)= jftfj/0fd}qL :yfgLo zf;g k|f¿k,;+3Lo dfldnf tyf :yfgLo ljsf; dGqfno, sf7df8f+} .

g]kfn ;/sf/, @)&$= g]kfn lbuf] ljsf; nIox¿, jt{dfg cj:yf / efjL dfu{lrq @)!^-@)#)= /fli6«o of]hgf cfof]u, l;+xb/af/, sf7df8f+} .

g]kfn ;/sf/, @)&$= :yfgLo ;/sf/ ;~rfng P]g, @)&$,l;+xb/af/, sf7df8f}+ .

g]kfn ;/sf/, @)&%= ljkb\ hf]lvd Go"gLs/0f /fli6«o gLlt, @)&%, u[x dGqfno, l;+xb/af/, sf7df8f+} .

g]kfn ;/sf/, @)&%= :yfgLo txsf] of]hgf th{'df lbUbz{g -gd'gf_, @)&%= /fli6«o of]hgf cfof]u, l;+xb/af/, sf7df8f+} .

g]kfn ;/sf/, @)&%= kG„f}+ of]hgf, ;+lIfKt cjwf/0ffkq, /fli6«o of]hgf cfof]u, l;+xb/af/, sf7df8f+} .

cGt//fl:6«o PsLs[t ljsf; s]G› -Ol;df]8_, @)&%, b lxGb's'z lxdfno P;]:d]G6-dfpG6]g,

SnfOd]6 r]Gh, ;:6gPlaln6L PG8 lkkn .

g]kfn ;/sf/, @)&#, /fli6«o cg's"ng of]hgf th{'df k|lqmof ;fdfGo hfgsf/L, @)&#= hnjfo' kl/jt{g Joj:yfkg dxfzfvf, hg;ª\Vof tyf jftfj/0f dGqfno, l;+xb/af/, sf7df8f}+ .

hnjfo' kl/jt{g ;DaGwL ;+o'Qm /fi6« ;+3Lo cGt/fli6«o dxf;lGw, !(($ .

hnjfo' kl/jt{g ;DaGwL k]l/; ;Demf}tf, @)!%.

26

cg';"rL != hnjfo' kl/jt{g;Fu ;DalGwt zAbfjnL

cg's"ng (Adaptation): gofF cyjf kl/jlt{t jftfj/0fdf k|fs[lts tyf dfgjLo k|0ffnLsf] ;dfof]hg g} cg's"ng xf] . o; cg';f/ k|fs[lts tyf dfgjLo k|0ffnLdf hnjfo' kl/jt{gsf sf/0faf6 x'g] jf x'g ;Sg] ck]lIft c;/nfO{ ;dfof]hg u/L Iflt Go"gLs/0f ug{ ;DefJo cj;/sf] pRrtd k|of]u ul/G5 .

Go"gLs/0f (Mitigation): xl/t u[x UofF; pT;h{gnfO s6f}tL jf sd ug{ ckgfOg] lqmofsnfknfO{ Go"gLs/0f elgG5 .

hf]lvd Go"gLs/0f (Risk Reduction): hnjfo' kl/jt{g / df};d;Fu ;DalGwt ljifd

36gf . (ExtremeEvents) sf sf/0f x'g ;Sg] xflg gf]S;fgL / hf]lvdnfO{ sd ug{ ckgfOg] lqmofsnfknfO{ hf]lvd Go"gLs/0f elgG5 .

k|sf]k (Hazard): s'g} ;d'bfodf kg]{ uDeL/ Jojwfg -k|fs[lts, dfgjLo_ g} k|sf]k xf] . k|sf]kn] dfgj ;d'bfo / ef}lts j:t'x¿df cfly{s Pj+ jftfj/0fLo Iflt tyf k|efj kfb{5 h'g s'/f ;d'bfo jf ;dfhsf] cfˆgf] ;|f]t k|of]u u/L k'gM :yflkt x'g] Ifdtf eGbf a9L x'G5 .

;+s6fkGgtf (Vulnerability): s'g}klg k|0ffnL hnjfo' kl/jt{gsf] c;/af6 ;+s6df kg{ ;Sg] / k|jfx jxg ug{ g;Sg] cj:yfdf k'Ug] l:yltnfO{ ;+s6f;Ggtf elgG5 .

pTyfgzLntf (Resilience): hnjfo' kl/jt{gn] kf/]sf c;/nfO{ sd u/L hLljsf]kfh{g, jftfj/0f / kfl/l:yltsLo k|0ffnLnfO{ ;fljs k|fs[lts cj:yf jf ;f] eGbf ;an cj:yfdf n}hfg ul/g] sfo{nfO{ pTyfgzLntf elgG5 .

hnjfo'd}qL ljsf; (Climate Friendly Development): hnjfo' kl/jt{g sd ug{ / ljsf; lgdf{0f sfo{ ubf{ xl/t u[x UofF; pT;h{g Go"g ub}{ ul/g] ljsf; sfo{nfO{ hnjfo'd}qL ljsf; elgG5 .

27

cg';"rL @= :yfgLo cg's"ng /0fgLltx¿df ;dfj]z ug{ ;lsg] s]xL ljifout hnjfo' kl/jt{g cg's"ng / ljkb\ hf]lvd Go"gLs/0f tyf Joj:yfkgsf pkfox¿

@=!= s[lif tyf vfB ;'/Iff

§ ;'Vvf, v8]/L, 8'jfg ;xg ug{ ;Sg] :yfgLo afnL tyf ltgsf k|hfltx¿ klxrfg u/L ;+/If0f, ljsf; tyf k|j4{g ug]{ .

§ bafa ;xg ;Sg] k|hfltx¿sf] ;+/If0f ug]{ :yfgLo :t/df ;fd'bflos aLplahg a}Í :yfkgf u/L ;+rfng ug]{ .

§ k|lts"n df};d / hnjfo' kl/jt{gsf sf/0f afnLgfnL / af]6 la?jfsf] pTkfbsTj 36\g] / u'0f:t/df cfpg] ;d:ofnfO{ ;dfwfgsf] nflu pGgt aLp, la?jf klxrfg u/L ;+/If0f, ljsf; tyf k|j4{g ug]{ .

§ s[lifof]Uo hldgsf] hnjfo'hGo k|sf]k -af9L, klx/f]_ af6 x'g] IfoLs/0f /f]Sg cfjZos k|ljlwx¿ klxrfg u/L k|j4{g ug]{ . h:t}M afof]OlGhlgol/ª, gbL s6fg lgoGq0f, j[If/f]k0f .

§ k|lts"n df};d / hnjfo' kl/jt{gsf sf/0f afnLgfnLdf nfUg] /f]u sL/f lgoGq0f ug]{ PsLs[t /f]u sL/f Joj:yfkg, h}ljs dn h:tf :yfgLo kl/j]z ;'xfpFbf k|ljlw ljsf; u/L k|j4{g ug]{ .

§ s[lif afnLsf] pTkfbsTj 36\g] ;d:of ;dfwfgsf] nflu pko'Qm afnLsf] klxrfg, 5gf}6 tyf k|j4{g, s[lif h}ljs ljljwtfsf] k|j4{g, afnLsf] ljljwLs/0f, ax'jifL{o afnLsf] k|of]u h:tf c;n cEof;nfO{ a9fjf lbg] .

§ Ps 3/ Ps au+}rf / s/];faf/Lsf] cjwf/0ff dfkm{t h}ljs ljljwtfsf] k|j4{g / vfB tyf kf}li6s ;'/Iff k|j4{g ug]{ . x}l;ot lalu|Psf] / gbL psf; hldgdf df6f] ;'xfpFbf] afnL nufpg] . h:tM} gbLsf] lsgf/df – au/ v]tL ug]{, cfod"ns s[lif -jg k|hflt /f]Kg]_ ug]{ .

§ s[lif hldgdf l;FrfOsf]] ;d:of ;dfwfgsf] nflu ;/n yf]kf l;FrfO, lgolGqt ;f}o{pmhf{, l;FrfO k|ljlw, ljljw kfgL k|of]u ug]{ ljlw (MUS) nufotsf k|ljlwnfO{ k|j4{g ug]{ . To:t} jiff{sf] kfgL ;+sng ug]{ k|ljlw k|rf/ k|;f/ ug]{ .

§ df6f]df lr:ofg sfod /fVg dNrLª k|ljlwnfO{ k|j4{g ug{] . § k|fª\ufl/s dn tyf sDkf]:6 dnsf] k|of]unfO{ k|j4{g ug]{ . § s[lif If]qdf kg{ ;Sg] hf]lvdnfO{ Go"gLs/0f / o;;F+u cg's"ng x'g ;xhLs/0f ug]{ /

s[lif;Fu ;DalGwt hnjfo' k"j{;"rgf k|0ffnL (Early Warning system) :yfkgf u/L s[ifs ;d'bfox¿nfO{ ;"rgf k|jfx ug]{ .

§ :yfgLo / s[ifs ;d"x :t/df s[lif ;"rgf k|0ffnL -h:t}M df};dL kfqf]_ :yfkgf u/L s[ifs ;d'bfoaLr ;"rgf k|jfx ug]{ .

28

§ kz'kIfLdf k|lts"n df};d / hnjfo' kl/jt{gsf sf/0f nfUg] /f]u lgoGq0f ug{ pko'Qm k|ljlwx¿ klxrfg u/L k|j4{g ug]{ .

§ ul/a, e"ldxLg / ;+s6f;Gg 3/w'/Lsf] cg's"ngsf nflu j}slNks cfo cfh{g / hLljsf]kfh{gsf pkfox¿ klxrfg u/L k|j4{g ug]{ .

§ k|lts"n df};d / hnjfo' kl/jt{gsf sf/0f pTkflbt j:t'df kg]{ c;/ sd ug{ cfjZos pkfox¿ klxrfg u/L k|j4{g ug]{ .

§ s[lif / kz'kIfL ladf nfu' u/L s[ifsx¿sf] hf]lvd Go"gLs/0f / cg's"ng Ifdtf a9fpg].

§ hnjfo' kl/jt{gsf] c;/ Go"gLs/0f / cg's"ngsf] k|efjsfl/tfsf] nflu s[ifs kf7Zfnf ;+rfng u/L ;"rgf, 1fg / ;Lksf] cfbfgk|bfg ug]{ .

§ hnjfo'd}qL k/Dk/fut / :yfgLo k|ljlw tyf cEof;nfO{ k|j4{g ug]{, h:t}M cGg e08f/sf nflu k|of]u ul/Psf] k|ljlw, aLp pdfg]{ k|ljlw, cUnf] g;{/L Aof8, aLp pdfg]{ / afnLgfnL nufpg] ;dodf kl/jt{g .

§ afnL ljljwLs/0fdf hf]8 lbg] .

@=@= jg, h}ljs ljljwtf tyf hnfwf/ ;+/If0f

§ /f]uJoflw, v8]/L cflbsf] bafa ;xg ;Sg] jg k|hfltx¿sf] klxrfg u/L ltgLx¿sf] ;+/If0f ug]{ u/L :yfgLo :t/df sfo{of]hgf agfO{ sfof{Gjog ug]{ .

§ hnjfo' kl/jt{gsf] hf]lvddf /x]sf jg, jGohGt' Pj+ l;d;f/ If]qx¿sf] Joj:yfkg sfo{of]hgf agfO{ sfof{Gjog ug]{ .

§ hnjfo' kl/jt{gsf sf/0f ;+s6f;Gg / hf]lvddf /x]sf nf]kf]Gd'v k|hfltx¿sf] ;+/If0fsf] nflu :yfgLo / ;fd'bflos :t/df g;{/L / lhg a}Í :yfkgf ug]{ .

§ k|fs[lts ;|f]tdf cfl>t ul/a, ljkGg, dlxnf tyf ;+s6f;Gg 3/w'/L / ;d'bfosf nflu cg's"ng Ifdtf a9fpg] j}slNks cfo cfh{gsf pkfox¿ klxrfg u/L k|j4{g ug]{ .

§ hnjfo'hGo hf]lvdaf6 k|efljt le/fnf] tyf x}l;ot sd ePsf] jg If]q / gbL psf; hldgdf s[lif jg ljsf; ug]{ / ;+s6f;Gg 3/w'/L / ;d'bfo s]lG›t sfo{s|d klxrfg u/L k|j4{g ug]{ h:t}M le/fnf] hldgdf ux|f ;'wf/ tyf pko'Qm v]tL k|0ffnL, ;fN6 k|ljlw, PsLs[t s[lif jg cjnDag ug]{ .

§ e":vng tyf e"Ifo /f]Sg ul/g] uN5L lgdf{0f, j[If/f]k0f / r/Lr/0f lgoGq0f ug]{ .

§ PsLs[t hnfwf/ Joj:yfkgdf ;d'bfosf] ;xeflutf ;'lglZrt ub}{ :yfgLo ;d'bfosf] cg's"ng Ifdtf j[l4 ug]{ .

29

§ jgdf nfUg] /f]u tyf sL/f, v8]/L tyf ldrfxf k|hfltsf] k|sf]k Go"gLs/0f / Joj:yfkg ug{ :yfgLo :t/df of]hgf agfO{ sfof{Gjog ug]{ .

§ jg 89]nf] Go"gLs/0f / Joj:yfkg ug{ :yfgLo :t/df of]hgf agfO{ sfof{Gjog ug]{ . ;fy} o; ;DaGwL :yfgLo :t/df Ifdtf clej[l4 ug]{ .

§ :yfgLo :t/df kfl/l:yltsLo k|0ffnLdf cfwfl/t cg's"ng sfo{qmdaf6 k|fKt jftfj/0fLo ;]jfsf] e'QmfgL k|0ffnLsf] ljsf; u/L sfof{Gjog ug]{ .

@=#= hn tyf pmhf{

§ hnjfo' kl/jt{gn] kfgLsf] pknAwtf / kx'Frdf kfg]{ c;/nfO{ b[li6ut ub}{ :yfgLo :t/df a;f{tsf] kfgL] ;f]:g / e"ldut hn k'ge{/0fsf nflu ul/g] s'n];f, kf]v/L lgdf{0f, kfgL ;+sng / e08f/0f ug]{ . h:t}M kfgLsf] ;+sng / ;d'lrt Joj:yfkgsf] nflu kfgL 3§, Knfl:6s kf]v/L, kf]v/L, tnfp / ;"Id hnfzox¿ lgdf{0f u/L k|j4{g ug]{ / nf]k ePsf kf]v/Lx¿sf] k'gM:yfkgf ug]{ .

§ vfg]kfgLsf d'xfgx¿ ;+/If0f tyf j}slNks kfgLsf] ;|f]tsf] klxrfg u/L kfgLsf] pknAwtf / kx'Frdf :yfgLo ;d'bfosf] clwsf/ ;'lglZrt ug]{ .

§ l;FrfO / kfgLsf] ljt/0fdf x'g] hf]lvd Go"gLs/0f ug]{ :yfgLo :t/df pko'Qm dfkb08 tyf k|ljlwsf] ljsf; u/L sfo{Gjog ug]{ .

§ ;d'bfo:t/df ;~rflnt l;FrfO s'nf], kf]v/L, ;fgf tfn tn}of / tnfpx¿sf] ;+/If0f ug]{ .

§ x/]s 3/df :jR5 pmhf{sf] kx'Fr lj:tf/sf nflu :yfgLo / ;d'bfo :t/df n3' hnljB't\, ;f}o{ pmhf{, afof]UofF;, kfgL 3§, jfo' pmhf{, afof] la|s]6, ;'wfl/Psf] r'nf] nufotsf k|ljlw klxrfg u/L k|j4{g ug]{ / o:tf k|ljlwdf ljkGg ju{sf] kx'Frsf nflu cg'bfgsf] Joj:yf ug]{ .

§ gbL lsgf/fsf ux|f – ;bf x/fe/f eGg] gf/fsf ;fy kxf8L If]qsf gbL 5]p5fpdf cjl:yt s[lifof]Uo hldgdf ;f}o{ pmhf{ ;d]t pkof]u u/L lnˆ6 l;FrfO cfof]hgfnfO{ cleofgs} ¿kdf ;~rfng ug]{ .

@=$= :jf:Yo, vfg]kfgL tyf ;/;kmfO{

§ hnjfo' kl/jt{gaf6 ;[lht /f]ujfxs sL6f0f' tyf ;+qmfds /f]usf] dxfdf/Lsf] af/]df :yfgLo ;d'bfo / ;/f]sf/jfnfnfO{ ;';"lrt ug]{ .

30

§ tftf] xfjf -n'_, l;tnx/, clt udL{ / clt hf8f]af6 x'g] hnjfo'hGo :jf:Yo ;DaGwL ;d:ofaf6 aRg / o;sf] ;dfwfgsf] nflu :yfgLo :t/df hf]lvd Go"gLs/0fsf sfo{s|d ;+rfng ug]{ .

§ hnjfo' kl/jt{gaf6 ;[lht /f]ujfxs sL6f0f' tyf ;+qmfds /f]usf] dxfdf/L km}lng glbg :yfgLo / ;d'bfo :t/df k"j{tof/L cfjZos ;+oGqsf] ljsf; u/L sfof{Gjog ug]{ .

§ ;+qmfds /f]usf] lgoGq0fsf] nflu :yfgLo ;+/rgfx¿ h:t} M x]Ny kf]:6, :yfgLo c:ktfnsf] ;]jf ;'ljwfnfO{ ;'wf/ ug]{ .

§ 3/]n' tyf xf]6n Joj;fo / c:ktfnx¿af6 lg:sg] kmf]x/d}nfsf] ;|f]tdf juL{s/0f u/L ;kmf pmhf{ pTkfbg ug{ k|f]T;fxg ug]{ .

§ 3/leq x'g] wF'jf / o;af6 x'g] c;/nfO{ Go"gLs/0f ug{ pko'Qm k|ljlwnfO{ k|f]T;fxg ug]{ h:t}M ;'wfl/Psf] r'nf]sf] k|j{4g .

§ :yfgLo ljBfno / z}lIfs ;+:yfx¿df hnjfo' kl/jt{gsf] sf/0f :jf:Yo tyf ;/;kmfOdf kg]{ c;/sf] af/]df hgr]tgf clej[l4 ug]{ .

@=%= :yfgLo u|fdL0f tyf ;x/L a:tL

§ :yfgLo tx :t/Lo e"pkof]u of]hgf th{'df ubf{ hnjfo' kl/jt{gsf hf]lvdx¿sf] cfwf/df jg, s[lif, a:tL tyf cf}Bf]lus If]q nufotsf If]qx¿sf] lgwf{/0f ug]{ .

§ Ps ufFp Ps jftfj/0f / hnjfo'd}qL xl/t ;8s, hnjfo' pTyfgzLn vfg]kfgL, 9n lgsf;, ljB't\ / b"/;+rf/, Ps ufFp !) kfgL ;+sng kf]v/L / Ps ufFp Ps k"j{;"rgf k|0ffnL s]G› nufotsf ;+/rgf ljsf; u/L sfof{Gjog ug]{ .

§ cJojl:yt ;x/L tyf u|fdL0f a:tLx¿ Pj+ hnjfo'hGo hf]lvd If]qdf a;f]jf; u/]sf 3/kl/jf/ / ;d'bfodf kg]{ hnjfo' kl/jt{gsf k|lts"n c;/x¿ Go"gLs/0f ug{ cg's"ng sfo{qmdx¿ ;~rfng ug]{ .

§ u|fdL0f / ;x/L a:tL k"jf{wf/ Pj+ 3/sf ;+/rgfx¿sf] l8hfO{g / lgdf{0f ubf{ hnjfo' kl/jt{gsf hf]lvdx¿nfO{ b[li6ut u/L cg's"ngsf k|ljlwx¿ cg';/0f ug]{ . h:t}M x/]s 3/df kfgL ;+sng / ;8ssf] bfFof afFof kfgL lgsf; ug]{ k|ljlw .

§ xl/t a:tLsf] cjwf/0ff cg';/0f ub}{ ;8s lsgf/f / vfnL /x]sf hldgdf j[If/f]k0fsf ;fy} pBfgx¿ lgdf{0f ug]{ .

31

@=^= hnjfo'hGo k|sf]k Go"gLs/0f tyf ljkb\ hf]lvd Joj:yfkg

§ k|sf]khGo df};dL 36gfx¿sf] k"jf{g'dfg / k"j{tof/L

o df};d k"jf{g'dfgdf kx'Fr / ljifd df};dL cj:yf -v8]/L, clt udL{, zLt nx/ cflb_ tyf 36gfx¿ -n' – tftf] xfjf, cfFwLa]x]/L, r6\ofª, cl;gf, cltj[li6 cflb_ sf af/]df ;r]tgf hufpg] .

o k"j{;"rgf tyf r]tfjgL k|0ffnLsf] :yfgLo ;+oGq :yfkgf / ;~rfng ug]{ .

o ;'/lIft cf>o:yn, cfsl:ds p4f/ tyf pkrf/ ;]jf h:tf ljkb\ k|ltsfo{sf] k"j{tof/L / sfof{Gjog ug]{ .

o 3/, v]taf/L jl/kl/ cfFwLx'/L 5]Sg ;Sg] ¿v k|hftLsf j[If x'sf{pg] / plrt Joj:yfkg ug]{ .

§ k|sf]k hf]lvd Go"gLs/0f ;DalGwt sfdx¿ jf /0fgLltx¿

o 3/ tyf ;fj{hlgs ;]jfsf ejgx¿df -ljBfno, c:ktfn, lsgd]n s]G›, sfof{no cflb_ r6\ofª kf/ u/fpg] k|ljlw / /8 k|of]u ug]{ .

o af9L, klx/f]sf hf]lvdo'Qm 7fpFx¿sf] klxrfg u/L hf]lvddf /x]sfnfO{ cGoq ;fg]{ .

o hf]lvdjf6 aRg ;'/lIft :yfgsf] Aoj:yf ug]{ tyf cfjZostf cg';f/ ;'/lIft ;fd'bflos ejg lgdf{0f ug]{ .

o af9L tyf klx/fsf] /f]syfd ug{ ;a} ;+/rgfTds tyf u}/;+/rgfTds pkfox¿ cjnDag ug]{ .

o ;8s, k'n, gfnL, vfg]kfgL, l;FrfO tyf cGo ef}lts ;+/rgf l8hfOg / lgdf{0fdf eljiodf x'g ;Sg] pRr tfkqmd / To;sf] c;/, clt jiff{ / To;sf] c;/ ;fy} cGo df};dL bafax¿sf] dfqf cfsng u/L pko'Qm k|lt/f]w Ifdtf /fvL l8hfOg / lgdf{0f ug]{, tL ;+/rgfx¿sf] :t/ / dfkb08 lgwf{/0f ug]{ .

o xfjfkfgL kl/jt{gn] ablng ;Sg] df};dL /f]uJoflwx¿sf af/]df hfgsf/L / /f]syfdsf pkfox¿ ckgfpg] .

o hnjfo'hGo k|sf]kx¿af6 x'g] Ifltaf6 k'g?Tyfgsf nflu clt ;+s6f;Gg / hf]lvddf /x]sf JolQm / kl/jf/x¿sf] ;fdflhs ;'/Iffsf] k|Tofe"lt ug]{ .

o hnjfo'hGo hf]lvd If]qdf sfd ug]{x¿sf] hLjg ladfsf ;fy} hnjfo'hGo hf]lvdsf sf/0f Iflt x'g ;Sg] ;DklQsf] klg ladf ug]{ .

§ cGo

32

o k|sf]k sd ug{ tyf ljkb\\sf] ;fdgf ug{ cfjZos P]g, gLlt lgod / of]hgfx¿ agfpg] .

o cfktsfnLg cj:yfdf ug'{kg]{ jf gkg{] sfdx¿, ljlw / k|lqmofx¿ th{'df u/L nfu' ug]{ .

o cfjZos sd{rf/L, ;fwg ;|f]t Joj:yf ug]{, tflnd tyf lkmN8 cEof; u/fpg] .

o x/]s ljsf; of]hgf hnjfo'd}qL eP jf gePsf] hfFr ug{ Joj:yf u/L], ljlw / k|lqmof lgwf{/0f ug]{ .

@=&= pBf]u, oftfoft tyf ef}lts k"jf{wf/

• :yfgLo txdf :yfkgf eO{ ;+rfngdf cfPsf pBf]u, oftfoft / ef}lts k"jf{wf/df lskmfotL pmhf{ k|ljlw / ljB'tLo pmhf{sf] k|of]unfO{ k|j4{g ug]{ .

• ef}lts k"jf{wf/sf] l8hfO{g, ljsf; / /]vb]v ubf{ cg's"ngsf pkfox¿ cg';/0f ug]{ .

• ;fj{hlgs oftfoftnfO{ a9fjf lbFb}, ;fOsnsf] k|of]u Pj+ ljB'tLo / h}ljs pmhf{df cfwfl/t oftfoftsf] k|of]unfO{ lj:tf/ ug]{ .

• ef}lts k"jf{wf/ lgdf{0f tyf a:tL ljsf; ubf{ ljkb\\af6 ;'/lIft x'g] :yfg 5gf}6 ug]{ .

• u|fdL0f ;8s ;+hfn lj:tf/df ;+s6f;Gg ;d'bfosf afl;Gbfx¿sf] -cfwf/e"t ;]jf s]Gb|x¿, :jf:Yo rf}sL, ljBfno, s[lif ;]jfs]Gb| h:tf 7fFp nufot :yfgLo ahf/;Ddsf]_ ;xh cfjfudgnfO{ Wofgdf /fvL zfvf ;8sx¿, uf]/]6f] ;'wf/, k'n k'n];f lgdf{0f tyf a;f{tsf] kfgL lgsf;sf] plrt Joj:yfnfO{ ;'lglZrt ug]{ .

@=*= ko{6g Pjd\ k|fs[lts tyf ;f+:s[lts ;Dkbf

• :yfgLo txdf ko{6g If]qnfO{ jftfj/0f / hnjfo'd}qL agfpg cfjZos sfo{of]hgf lgdf{0f u/L sfof{Gjog ug]{ .

• ;+j]bgzLn Pj+ hnjfo' ;+s6f;Gg / hf]lvddf /x]sf ko{6g:yn / ;+f:s[lts ;Dkbfsf] klxrfg u/L To:tf If]qx¿sf] :yfgLo ;d'bfo / ;+3;+:yfsf] ;lqmo ;xeflutfdf ;+/If0f / Joj:yfkg ug]{ .

• kof{ko{6g Joj;fodf ;+nUg dlxnf tyf ;+s6f;Gg ;d'bfosf nflu ljz]if ;x'lnotsf sfo{s|dx¿ lgwf{/0f ug]{ .

• hnjfo' ;+s6f;Gg / hf]lvddf /x]sf 3/w'/L / ;d'bfo s]lG›t ko{6gdf cfwfl/t /f]huf/Lsf sfo{qmdx¿ ;+rfng ug]{ .

33

• ko{6g If]qaf6 ;[lht kmf]xf]/ d}nf Pj+ k|b"if0fnfO{ lgoGq0f / Jojl:yt ug{ cfjZos dfkb08 agfO{ lgodgsf/L Joj:yf ug]{ .

• ko{6g Joj;fonfO{ e/kbf]{, ;'/lIft agfpgsf] nflu k"j{;"rgf tyf r]tfjgL k|0ffnLsf] :yfgLo ;+oGq :yfkgf / ;~rfng ug]{ .

• hnjfo' cg's"ng / hf]lvd Go"gLs/0f ;DaGwL :yfgLo ;f+:s[lts 1fg / dxTTjsf af/]df hgr]tgfd"ns sfo{qmdx¿ ;+rfng ug]{ .

@=(= n}lËs ;dfgtf tyf ;fdflhs ;dfj]lztf, hLljsf]kfh{g / ;'zf;g

• :yfgLo :t/df hnjfo' kl/jt{gsf] c;/ / hf]lvd ;DaGwdf hgr]tgf clej[l4 tyf Ifdtf ljsf; ;DaGwL sfo{s|dx¿ ;~rfng ubf{ dlxnf ;xeflutf ;'lglZrt ug]{ .

• ;+s6f;Ggtf / hf]lvd ljZn]if0f ubf{ n}lËs tyf ;fdflhs ;dfj]lztfnfO{ d'Vo cfwf/ agfpg] .

• hnjfo' kl/jt{gsf] k|lts"n k|efjx¿af6 hf]lvddf k/]sf dlxnf / ;+s6f;Gg JolQmx¿ nlIft u/L hnjfo' pTyfgzLn hLljsf]kfh{g / /f]huf/Lsf sfo{qmdx¿ ;+rfng ug]{ .

• hnjfo'd}qL k|ljlw, 1fg / ;"rgfdf dlxnf / ;+s6f;Gg ;d"xx¿sf] kxF'r clej[l4 ug]{ .

• :yfgLo :t/df / ;d'bfo s]lG›t k"j{;"rgf k|0ffnL ljsf; u/L dlxnfx¿sf] ;xeflutf j[l4 ug]{ .

• hf]lvd Go"gLs/0fsf nflu :yfgLo / ;d'bfo :t/df bIf dlxnf hgzlQm tof/ ug{sf nflu ;Lkd"ns tflnd ;+rfng ug]{ .

• ;'/lIft cf>o:yn, cfsl:ds p4f/ tyf pkrf/ ;]jf h:tf ljkb\ k|lt/f]wfTds sfo{sf] k"j{tof/L / sfof{Gjog ubf{ dlxnf, afnaflnsf, Ho]i7 gful/s / ;+s6f;Gg JolQmx¿sf] ;xeflutf ;'lglZrt ug]{ .

• :yfgLo :t/df cg's"ng / hf]lvd Go"gLs/0f sfo{qmd ;+rfng ubf{ kf/blz{tf / ;'zf;gsf cEof;x¿nfO{ cg';/0f ug]{ .

@=!) hgr]tgf clej[l4 tyf Ifdtf ljsf;

• :yfgLo txdf hnjfo' kl/jt{gsf] c;/ / hf]lvd Go"gLs/0f Pj+ cg's"ngsf pkfox¿af/] ;d'bfo :t/df :yfgLo efiffdf k|rf/ k|;f/ ug]{ .

• hnjfo' kl/jt{gnfO{ :yfgLo txdf cf}krfl/s tyf cgf}krfl/s z}lIfs kf7\os|dx¿df ;dfj]z ug]{ .

34

• ljleGg nlIft ;d"xsf] nflu pko'St x'g] tYof+s, ;"rgf, l;sfO tyf c;n cEof; ;lxtsf 1fgd"ns ;fdu|Lx¿ tof/ u/L ljt/0f ug]{ .

• :yfgLo :t/df hgr]tgf clej[l4 tyf Ifdtf ljsf; ;DaGwL sfo{s|dx¿ :yfgLo ;/sf/, u}/;/sf/L ;+:yf Pj+ gful/s ;dfhsf] ;xeflutfdf ;~rfng ug]{ .

cg';"rL #= ;fGble{s ljlw tyf cf}hf/x¿

tflnsf #=!= ;r]tgf clej[l4sf ljlwx¿

k|d'v ljlw cltl/Qm ljlw

!= ;femf l;sfO ;DaGwL 5nkmn

@= ;|f]t ;fwgsf] ljt/0f k|0ffnL / To;df ;d'bfosf] kx'Fr ljZn]if0f

#= b[Zo tyf syf ;fdu|L -kf]:6/, krf{{, lel8of], ;8s gf6s, v]n, uLt tyf g[To, /]l8of], 6]lnlehg_

$= hnjfo'hGo hf]lvd ljZn]if0f

%= df};dL kfqf]

^= P]ltxfl;s ;do/]vf ljZn]if0f

!= hnjfo' cg's"ng Ifdtfsf] d"Nof+sg tyf cj;/sf] klxrfg

@= sf/0f tyf c;/ ljZn]if0f

#= hnjfo' ;DaGwL kl/b[Zo cg'dfg

$= hf]lvd tyf k|efj ljZn]if0f

%+= hf]lvd tyf k|lt/f]wfTds sfo{ ljZn]if0f

^= gS;f: hf]lvd, ;+s6f;Ggtf -;fdflhs,

cfly{s, ef}lts_, ;|f]t -;fdflhs, k|fs[lts cflb_

&= ;dosf] ult;Fu} kl/jt{g yfxf kfpg] ljlwx¿

*= ljBfno:t/Lo cltl/Qm lqmofsnfkx¿ h:t}M lgaGw n]vg, xflh/L hjfkm, :sfp6, Osf] Snj ;~rfng cflb

tflnsf #=@ hnjfo' kl/jt{gsf] qmd / kl/b[Zo ljlw / k|sf]ksf] ljZn]if0f ljlw

sfo{

k|d'v ljlw cltl/Qm ljlw

hnjfo' kl/jt{gsf] qmd / kl/b[Zo ljZn]if0f ljlw

!= hnjfo' -tfkqmd, jiff{ / ljifd 36gf_ sf] ljut

!= P]ltxfl;s ;do/]vf ljZn]if0f

35

(Climate Trend and Scenarios Analysis)

#) jif{sf] tYof+s / o; ;DaGwL pknAw Pj+ k|sflzt ;fdu|Lx¿sf] ljZn]if0f

@=hnjfo' -tfkqmd, jiff{ / ljifd 36gfsf]_ ;DaGwL kl/b[Zosf] tYof+s / o; ;DaGwL pknAw Pj+ k|sflzt ;fdu|Lx¿sf] ljZn]if0f

@= ;d'bfo / :yfgLo :t/df hnjfo' kl/jt{g ;DaGwL cg'e"lt ljZn]if0f

k|sf]ksf] ljZn]if0f ljlw != k|sf]ksf] gS;f+sg (GIS, Remote sensing and other tools)

@= hnjfo'hGo k|sf]ksf] ;do/]vf -k|j[lQ_ ljZn]if0f

#= k|sf]ksf] :t/Ls/0f

!= ;|f]tsf] gS;f+sg

@= k|sf]ksf] qmdnfO{ P]ltxfl;s ;do/]vf laZn]if0f

#= k|sf]k df};dL kfqf]

tflnsf #=#= hnjfo' kl/jt{gsf] k|efj, ;+s6f;Ggtf / hf]lvd ljZn]if0f ljlw

sfo{ k|d'v ljlw cltl/Qm ljlw

k|efj, ;+s6f;Ggtf /

hf]lvd ljZn]if0f ljlw

!= ;|f]t - ;fwgsf] ljt/0f k|0ffnL / To;df ;d'bfosf] lge{/tf / kx'Fr ljZn]if0f (Gateway System Analysis)

@= k|sf]kaf6 ;[lht ljkb\sf] c;/, k|efj, Iflt gf]S;fgLsf] ljZn]if0f Dofl6«S;

#= hLljsf]kfh{g / kfl/l:yltsLo k|0ffnLdf hnjfo'hGo k|sf]k / ljkb\sf] hf]lvd ljZn]if0f / ;+s6f;Ggtfsf] :t/Ls/0f

!= hLljsf]kfh{g / cGo ljlw (GIS, and other tools)

@= kfl/l:yltsLo k|0ffnLsf] gS;f+sg

#= sf/0f tyf c;/ ljZn]if0f

$= ef}uf]lns ;"rgf k|0ffnL

%= w/w'/L, j8f, 6f]n, ;d'bfosf] ;DkGgtf :t/Ls/0f

^= hf]lvd / ;d:of ljZn]if0f vfsf

36

$= w/w'/L, j8f, 6f]n, ;d'bfosf] hf]lvd / ;+s6f;Ggtfsf] :t/Ls/0f

%= ;+s6f;Ggtf / hf]lvd dfkg Dofl6«S;

^= ;xeflutfd"ns kl/b[Zo ljsf; (Participatory Scenario Development)

&= ul/aL lgjf/0f;Fu ;DalGwt ;DkGgtf :t/Ls/0f

cg's'ng Ifdtfsf] ljZn]if0f ljlw

!= hnjfo' cg's"ng Ifdtf kl/sNkgf

@= ;fdYo{tf / cg's"ng /0fgLltsf] d"Nof+sg

#= ;fdYo{tf / cg's"ng k|ljlwx¿sf] k|efjsfl/tfsf] ljZn]if0f

!= gLltut, ;+:yfut ;+/rgf / ;/f]sf/jfnfsf] ljZn]if0f

@= ;]jf k|bfosf ;+:yfx¿sf] ljZn]if0f (VENN Diagram)

tflnsf #=$= cg's"ng cEof; tyf sfo{ klxrfg ljlw

sfo{ k|d'v ljlw cltl/Qm ljlw

cg's"ng sfo{sf]

klxrfg ljlw != ;xeflutfd"ns cg's"ng sfo{sf]

klxrfg -3/w'/L, ;d'bfo, :yfgLo ;/sf/ / ;/f]sf/jfnf ;lDdlnt_

@= ;fdYo{tf / cg's"ng /0fgLltsf] d"Nof+sg

#= cg's"ng sfo{x?sf] k|fyldsLs/0f Dofl6«S;

$= ax'cfwf/ :t/Ls/0f

%= nfut / nfe ljZn]if0f (Cost and Benefit Analysis)

^= ;xeflutfd"ns kl/b[Zo of]hgf lgdf{0f (Participatory Scenario Planning)

!= hnjfo' cg's"ng pko'Qm k|ljlw / c;n cEof;sf] klxrfg

@= :yfgLo 1fg / k|ljlwsf] ljZn]if0f

#= hf]8fut :t/Ls/0f

$= pmhf{ …kfyj]hÚ klxrfgsf kl/b[Zo ljlw

37

ljsf;sf sfo{nfO{ hnjfo' pTyfgzLn

agfpg] ljlw

!= hnjfo' 5gf}6 ljlw (Climate Screening Tool)

@= ljsf;sf sfo{x?df hnjfo' kl/jt{gn] kfg]{ ;Defljt hf]lvd tyf ljsf;sf sfo{n] jftfj/0f / hnjfo'df kfg{ ;Sg] hf]lvdsf] gS;f+sg

#= hf]lvd Go"gLs/0f sfo{sf] klxrfg

$= hnjfo' pTyfgzLn ljsf;sf sfo{x?sf] k|fyldsLs/0f Dofl6«S;

%= ax'cfwf/ :t/Ls/0f

^= :ynut k|df0fLs/0f (Field Verification)

!= nfut / nfe ljZn]if0f (Cost and Benefit Analysis)

@= hf]8fut :t/Ls/0f

#= hf]lvd Go"gLs/0f sfo{sf] k|fljlws ljZn]if0f

tflnsf #=%= cg's"ng cEof; tyf sfof{Gjog, cg'udg / d"Nof+sg ljlw

sfo{ k|d'v ljlw cltl/Qm ljlw

cg's"ng cEof; tyf

sfof{Gjog ljlw != ;]jf k|bfos ljZn]if0f

@= sfof{Gjogsf] k|fljlws kIfsf] ljZn]if0f (Survey, Design and Cost Estimation)

#= sfof{Gjog vfsf -s], slxn], s;/L, s;n] / sxfF ug]{ eGg] ;"rgf ;+sng

!= n+}lus ljZn]if0f

@= ts{o'Qm k|f?k (Logical Framework)

cg'udg / d"Nof+sg ljlw

!= :jcg'udg tyf d"Nof+sg

@= ;femf l;sfO{ ;DaGwL 5nkmn

#= Jojxf/ kl/jt{g hg{n

$= ;fj{hlgs ;'g'jfO{

%= t];|f] kIf jf ;/f]sf/jfx¿åf/f ;+o'Qm d"Nof+sg

^= k|ToIf lg/LIf0f

!= k|efj ljZn]if0f

@= ;|f]t ;fwgsf] ljt/0f k|0ffnL / To;df ;d'bfosf] kx'Fr ljZn]if0f

#= hf]lvd k|ltsfo{ ljZn]if0f

38

&= ;fdYo{tf / cg's"ng /0fgLlt -k|ljlw, cEof;_ sf] d"Nof+sg

*= nfut / nfe ljZn]if0f (Cost and Benefit Analysis)

(= cfjlws cg'udg / d"Nof+sg

!)= nufgL cg'udg k|0ffnL (Investment Tracking System)

$= ts{o'Qm k|f?k (Logical Framework)

%= df};dL kfqf]

^= gLltut tyf ;+:yfut ljZn]if0f

&= n+}lus ljZn]if0f

39

cg';"rL $= :yfgLo :t/df aGg] cfjlws of]hgfdf hnjfo' kl/jt{gnfO{ ;dfj]z ug]{ ljifout ;"rLsf] gd'gf

!= k[i7e"ld -ef}uf]lns, kof{j/0fLo j:t'l:ylt_ @= hnjfo' kl/jt{gsf] cj:yf

@=! hnjfo' kl/jt{gsf] qmd / kl/b[Zo ljZn]if0f (Climate Change Trend and Scenarios Analysis)

@=@ ;+s6f;Ggtf, hf]lvd, Iflt tyf c;/ -k|sf]kaf6 ;[lht ljkb\\sf] c;/, k|efj, Iflt gf]S;fgLsf] ljZn]if0f_

@=# hLljsf]kfh{g / kfl/l:yltsLo k|0ffnLdf hnjfo'hGo k|sf]k / ljkb\sf hf]lvd ljZn]if0f / ;+s6f;Ggtfsf] :t/Ls/0f

@=$ 3/w'/L, j8f, 6f]n, ;d'bfosf] hf]lvd / ;+s6f;Ggtfsf] :t/Ls/0f

#= cg's"ng Ifdtfsf] ljZn]if0f -:yfgLo ;|f]t ;fwg / Ifdtf,;'rgf / k|ljlwdf k+x'r,cfly{s ;antf, dfgj ;+;fwg_

$= cg's"ng / hf]lvd Go"gLs/0fsf] /0fgLlt

$=! cg's"ng / hf]lvd Go"gLs/0f sfo{sf] klxrfg = $=@ hf]lvd Go"gLs/0f tyf cg's"ng sfo{x¿sf] nfut / nfe ljZn]if0f (Cost and

Benefit Analysis) $=# cg's"ng sfo{x¿sf] k|fyldsLs/0f, 5f]6f] cjlw -!–# jif{_ cyjf dWod cjlw -# –%

jif{_ %= ck]lIft kl/df0ffTds pknlAw ^= lgisif{