सूचना नं ०८/२०७८-७९: वित्तीय साक्षरता मार्गदर्शन, २०७८

ljQLo ;fIf/tf dfu{bz{g, @)&*

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ljQLo ;fIf/tf ljQLo :yfloTjsf] cfwf/lznf xf] .ljQLo k|0ffnL k|lt ljZjf; sfod /fVg / a9LeGbf a9L cfly{s ultljlwnfO{ ljQLo k|0ffnLdf ;dfj]z ug{ o;sf] dxTjG5. ljQLo/x r]tgfclej[l4 ug]{ p2]Zon]g]kfn /fi6« a}+sn]ljutb]lv g}] ljQLo ;fIf/tfsfo{qmd ;~rfng ub}{ O/x]sf]cf5 . ljQLo ;fIf/tfsf] cleofgdf g]kfn /fi6« a}+ssf];fy}Ohfhtkqk|fKta}+s tyf ljQLo ;+:yfx¿sf];d]te"ldsfj[l4 ug'{kg]{cfjZostfnfO{dWogh/ u/L a}+sn]ljQLo ;fIf/tf clej[l4ug{ ljleGg lgb]{zgx? Hff/L{ub}cfPsf] 5oBlk,. ljleGg ;+:yfsf5l/Psf sfo{qmdaf6 ljQLo ;fIf/tf k|j4{g cleofgn] ck]lIft ult lng g;s]sf] x'Fbfo:tf sfo{qmdnfO{yk Jojl:yt / ;dGjofTds 9+un]PsLs[t¿kdf cl3 a9fpg ljQLo ;fIf/tf 9fFrf(Financial Literacy Framework) hf/L ePsf] ;Gbe{df Ohfhtkq |fKt ;+:yfx¿sf ultljlw ;f]xL 9fFrfcg'¿k lgoldt / Jojl:yt agfpg] p2]Zon]of] ljQLo ;fIf/tf dfu{bz{g, @)&* hf/L ul/Psf] 5 .

@_ ljQLo ;fIf/tf dfu{bz{gsf]p2]Zo

o; dfu{bz{gsf]p2]Zob]xfoadf]lhd/x]sf 5g M-

1. ljQLo ;fIf/tfsf] nflucfjZos ;+:yfutk"jf{wf/lgdf{0fug]{ .
2. nlIft ju{s]lGb|tljQLo ;fIf/tf cWoog ;fdu|Lsf] k|of]u ;'lglZrt ug]{ .
3. ljQLo ;fIf/tf sfo{qmdsf]cg'udgsfnflu cfwf/ lgdf{0f ug]{ .
4. ljQLo r]tgf, 1fg / ;Lksf] clej[l4ub}{ lhDd]jf/ ljQLocfr/0fsf] ljsf; ug]{ .
5. cfw'lgs ljQLo k|ljlwsf] k|of]unfO{ ;/n, ;xh / k|efjsf/L agfpg] .

#_ ljQLo ;fIf/tf sfo{qmd

Ohfhtkqk|fKt;+:yfn]ljQLo ;fIf/tf clej[l4sf] nfluljleGg k|sf/sfsfo{qmdth'{df u/L sfof{Gjog ug'{kb{5 . ljQLo 1fgsf] cefj ePsf JolQmnfO{ cf}krfl/s ljQLo k|0ffnLdf ;d]6g'sf ;fy};fdfGo ljQLo hfgsf/L ePsf JolQmnfO{gofF ljQLo cjwf/0ffsf]hfgsf/L u/fpFb}ljQLo k|0ffnL k|lt cEo:t agfO{w]/}eGbf w]/}gful/sdf cf}krfl/s ljQLok|0ffnLdf

1

kx'Frk'¥ofpg] clek|fon] ljQLo r]tgfsf sfo{qmd ;~rfng ug{'kg]{5 ljQLo. ;fIf/tf sfo{qmdk|efjsf/L ¿kdf;~rfng ug{cfjZos ;+/rgfsf] ljsf; ug]{nlIft/ ju{sf nflu pko'Qm x'g] u/LljQLo 1fgsf ljljw If]q ;d]6L Jojl:yt ¿kdf of]hgftof/ ug'{kg]{5 . o;/L of]hgftof/ ubf{k|To]snlIft ju{sf] ljQLo 1fg(Knowledge), ;Lk (Skill), dgf]j[lQ (Attitude) / Jojxf/ (Behaviour) kl/jt{gsf]nflu ;}4flGts PjdJofjxfl/s kIf ;d]6L cg';"rL ! adf]lhd rf/ txdf sfo{qmd ;+rfng ug{'kg{]5 ;+:yfsf].of]hgfsf] plrt sfof{Gjogsf ;fy} sfo{qmdsf] lgoldtcg'udgtyf l/kf]l6{ªsf nflu ;+:yfn] k"0f{ k|ltj4tf JoQm ug'{kg]{5 .

$_ ljQLo ;fIf/tf sfo{qmdsf] :t// ljifoj:t'

;+:yfn] ljQLo ;fIf/tf;DaGwL ljleGg sfo{qmd;~rfng tyf cWoog ;fdu|L;Dk|]if0f ubf{ o; a}+saf6 hf/L ljQLo ;fIf/tf9fFrf(Financial Literacy Framework) nfO{ d'Vo cfwf/sf] ¿kdf lnO{nlIft ju{cg';f/sf sfo{qmdsf]b]xfoadf]lhd:t/ lgwf{/0fu/L ;f]xLcg'¿k ;xefuLsf];}4flGts / Jofjxfl/s kIfdf bIftf clej[l4 x'g]u/L ljioj:t' ;dfj]z ug'{kg]{5 M

		cfwf/e"t :t/			pRr :t/
b}lgshLjgdf cfjZos ;fdfGo ljQLo	cfwf/e"t ljQLo cjwf/0ffsf] cnfjf yk
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			ljQLo cjwf/0ff
1.	cfjZostf tyf rfxgfx¿	1.	ljQLo cg'zf;g
2.	ljQLo p2]Zo	2.	ljB'tLo ljQLo ;]jfx¿
3.	u'gf;f] Joj:yfkg	3.	lwtf]kq ahf/
			of]hgf th'{df tyf Joj:yfkg
1.	kfl/jfl/s ah]6
2.	art	1.	ljljw art tyf shf{ of]hgf
3.	shf{
2.	ljQLo ljZn]if0f ;lxtsf] lg0f{o
4.	ljQLo ;]jf k|bfos ;+:yfx¿
3.	ljB'tLo ljQLo ;]jfsf ljljw
5.	ljk|]if0f
	lsl;dsf] pkof]u
6.	n3' pBd tyf Joj;fo of]hgf
7.	hf]lvd Joj:yfkg

ljQLo ;fIf/tf;DaGwL sfo{qmd;~rfng Pjd;fdu|L ;Dk|]if0f ubf{cg';"rL adf]lhdsf]@

9fFrfcjnDag ug{ ;lsg]5 .

2

%_ nlIft u|fxssf]juL{s/0f

Ohfhtkqk|fKt ;+:yfn]o; a}+saf6 hf/L ljQLo ;fIf/tf9fFrf (Financial Literacy Framework) cg'¿k ljQLo ;fIf/tf sfo{qmdsf] k|efjsf/L sfof{Gjogsf nflu u|fxssf] juL{s/0f b]xfocg';f/ug'kg]{5 M

1_ lgoldt cfDbfgL k|fKt ug]{-/f]huf/_

2_ lglZrt cfDbfgL gePsf -s[ifs, ;fgfpBdL_

3_ ljBfyL{-dfWolds / pRr dfWolds txsf ljBfyL{ 4_ dlxnf

5_ ljk|]if0fk|fks

^_ ljQLo ;fIf/tf ;fdu|Lsf] lgdf{0f

;+:yfn] ljQLo ;fIf/tf;DaGwL cWoog ;fdu|L ;Dk|]if0f ubf{d"ntM pkof]uL ljQLo 1fg tyf ;Lk ljsf; ug]{ ljifodf s]lGb|t x'g'kg]{5 . o:tf sfo{qmdcfˆgf ;]jfsf]ubf{ lj1fkg ug]{, ;+:yfsf] a|fl08ªug]{, Jofkfl/s SofDk]gug]{ h:tfsfo{dfq ug{ kfOg] 5}g o;/L. k|bfg ul/g] ljQLo 1fgsf nflu b]xfoadf]lhd ;fdfu|L÷dfWod k|of]u ug{ ;lsg]5 M

1_ ;fdflhs ;~hfn,

2_ /]l8of] tyfPkm=Pd=,

3_ 6]lnlehg,

4_ kqklqsf tyf cGo ;~rf/ dfWod

5_ kDKn]6,

6_ a'sn]6,

7_ tflnd -kf7o ;fdfu|L,_

8_ syf, sljtf, slds,

9_ uLt,

10_ ;+:yfsf]a;fO{6,j] cflb .

3

&_ of]hgfj4sfof{Gjog

1_ ;+:yfx¿n] ljQLo ;fIf/tf sfo{qmdsf] k|efjsf/L sfof{Gjogsfnflu s]Gb|Lo sfof{nodf ljQLo ;fIf/tfsf] sfo{ ug{]OsfO{ (Financial Literacy Unit) jf s'g} OsfO{nfO{ ;f]sf] lhDd]jf/Ltf]lsPsf] x'g' kg]{5.

2_ pQm OsfO{n] ljQLo ;fIf/tf;DaGwL jflif{s sfo{of]hgfagfO{:yfgLo tyf k|fb]lzs :t/df ljQLo ;fIf/tf;DaGwL ljleGg sfo{qmd ;~rfng ug'{kg]{5 . jflif{s sfo{of]hgfdfljQLo ;fIf/tfsf nflu tof/ ul/Psf sfo{qmdsf] ljj/0f, ;do tflnsf Pjdsfo{qmd ;~rfngdf nfUg] nfut;d]t cg'dfg ug'{kg]{5 .

3_ ljQLo ;fIf/tf;DaGwL of]hgf tyf sfo{of]hgf th'{dfcfwf/e"tubf{{ ¿kdf o; a}+saf6 hf/L ljQLo ;fIf/tf9fFrf (Financial Literacy Framework) nfO{ kfngf ug'{kg]{5 .

4_ of]hgfth'{dftyf sfo{qmd lgdf{0fubf{x/]s nlIft ju{sf nflu sfo{qmd agfO{ ;f]cg';f/ sfof{Gjog ug'{kg]{5.

5_ ljQLo ;fIf/tfsf sfo{qmd ;~rfng ubf{ b'u{d tyfljQLo kx'Frsd ePsf nlIft ju{/ :yfgnfO{ k|fyldstflbg'kg]{5 .

6_ ljQLo ;fIf/tf;DaGwL sfo{qmdsfnflu ;|f]t JolQmtof/ ug{a}+ssfsd{rf/LnfO{ cfjZos tflnd tyf Ifdtf clej[l4sf sfo{qmd ;~rfng ug{ ;lsg]5.

7_ ;+:yfn]lgoldt ¿kdf ljleGg dfWodaf6 nlIft ju{cg'¿k ljQLo ;fIf/tf;DaGwL cWoog ;fdu|L ;Dk|]if0f ug'{kg]{5 . ;fy}, vftfvf]Ng], a}+s vftfdf art /sdug]{, lemSg], /sdfGt/ ug]{h:tf cfwf/e"tlqmofsnfksf] k|of]uffTdslzIff lbg] Joj:yf ldnfpg' kg]{5 .

8_ a}+s tyf ljQLo ;+:yfx¿n] ljQLo ;fIf/tf;DaGwL cfjlws sfo{of]hgf tof/ ubf{ x/]s nlIft ju{sf] ljQLo 1fg, ;Lk,dgf]j[lQ / Jojxf/ kl/jt{gsf nflu ;}4flGts PjdJofjxfl/s kIfnfO{ ;d]6g'kg{]5 .

9_ a}+s tyf ljQLo ;+:yfx¿n] ljQLo ;fIf/tf sfo{qmdsf] nIo, ljifo, ljlw tyf dfWodsf] 5gf}6ubf{ clwstdnlIft ju{ ;d]l6g] u/L ug'{kg]{5 .

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