{"id":4787,"date":"2025-06-21T22:42:41","date_gmt":"2025-06-21T22:42:41","guid":{"rendered":"https:\/\/vishwanepali.com\/?p=4787"},"modified":"2025-06-21T22:42:41","modified_gmt":"2025-06-21T22:42:41","slug":"%e0%a4%b0%e0%a4%be%e0%a4%b8%e0%a5%8d%e0%a4%b5%e0%a4%aa%e0%a4%be-%e0%a4%b8%e0%a5%8d%e0%a4%a5%e0%a4%be%e0%a4%aa%e0%a4%a8%e0%a4%be-%e0%a4%a6%e0%a4%bf%e0%a4%b5%e0%a4%b8%e0%a4%ae%e0%a4%be-%e0%a4%9c","status":"publish","type":"post","link":"https:\/\/vishwanepali.com\/?p=4787","title":{"rendered":"\u0930\u093e\u0938\u094d\u0935\u092a\u093e \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0926\u093f\u0935\u0938\u092e\u093e \u091c\u0947\u0932\u092c\u093e\u091f \u0930\u0935\u093f\u0932\u0947 \u092d\u0928\u0947 :\u0906\u092b\u0942\u0935\u093f\u0930\u0941\u0926\u094d\u0927 \u0937\u0921\u094d\u092f\u0928\u094d\u0924\u094d\u0930 \u0905\u091d\u0948  \u0917\u0930\u093f\u0902\u0926\u0948\u091b"},"content":{"rendered":"<div class=\"uk-card \">\n<nav class=\"top-nav\">\n<div class=\"ah-logo-section\">\n<div class=\"uk-container\">\n<div class=\"uk-grid-small uk-flex-middle uk-grid\">\n<div class=\"uk-width-1-3@m uk-width-expand uk-first-column\">\n<div class=\"ah-header-logo\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"np-border uk-sticky\">\n<div class=\"uk-container\">\n<nav class=\"uk-navbar uk-position-relative nav-edit\">\n<div class=\"uk-navbar-right\"><\/div>\n<\/nav>\n<\/div>\n<\/div>\n<nav class=\"uk-navbar-container nepalpen-tag uk-card-default\">\n<div class=\"uk-container\">\n<div class=\"uk-flex-between uk-navbar\">\n<div class=\"uk-navbar-left\"><\/div>\n<\/div>\n<\/div>\n<\/nav>\n<\/nav>\n<\/div>\n<div class=\"uk-container\">\n<div class=\"uk-grid uk-grid-medium single uk-margin-medium-top uk-grid-stack\">\n<div class=\"uk-text-center uk-width-1-1 uk-first-column\"><\/div>\n<div class=\"uk-grid uk-grid-margin uk-first-column uk-grid-stack\">\n<div class=\"uk-width-expand@m sinlge-ah-mb uk-grid-margin uk-first-column\">\n<article class=\"uk-comment mt-2\">\n<header class=\"uk-comment-header uk-grid-medium uk-flex-middle uk-grid\">\n<div class=\"uk-width-expand uk-first-column\">\n<div class=\"uk-flex-middle uk-flex\">\n<div class=\"author-img\"><\/div>\n<\/div>\n<\/div>\n<\/header>\n<\/article>\n<article class=\"uk-card\">\n<article class=\"uk-card\">\n<div class=\"post-entry\">\n<p>\u0915\u093e\u0920\u092e\u093e\u0921\u094c\u0902 \u0964 \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u093f\u092f \u0938\u094d\u0935\u0924\u0928\u094d\u0924\u094d\u0930 \u092a\u093e\u0930\u094d\u091f\u0940 (\u0930\u093e\u0938\u094d\u0935\u092a\u093e) \u0915\u093e \u0938\u092d\u093e\u092a\u0924\u093f \u0930\u0935\u093f \u0932\u093e\u092e\u093f\u091b\u093e\u0928\u0947\u0932\u0947 \u0906\u092b\u0942\u0935\u093f\u0930\u0941\u0926\u094d\u0927\u0915\u093e \u0937\u0921\u094d\u092f\u0928\u094d\u0924\u094d\u0930 \u0905\u091d\u0948 \u0928\u0938\u0915\u093f\u090f\u0915\u094b \u092c\u0924\u093e\u090f\u0915\u093e \u091b\u0928\u094d \u0964<\/p>\n<p>\u092a\u093e\u0930\u094d\u091f\u0940\u0915\u094b \u0924\u0947\u0938\u094d\u0930\u094b \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0926\u093f\u0935\u0938\u0915\u093e \u0905\u0935\u0938\u0930\u092e\u093e \u0936\u0928\u093f\u092c\u093e\u0930 \u092d\u0948\u0930\u0939\u0935\u093e \u0915\u093e\u0930\u093e\u0917\u093e\u0930\u092c\u093e\u091f \u0905\u092a\u093f\u0932 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0917\u0930\u094d\u0926\u0948 \u0938\u092d\u093e\u092a\u0924\u093f \u0932\u093e\u092e\u093f\u091b\u093e\u0928\u0947\u0932\u0947 \u0905\u092a\u0930\u093e\u0927\u092a\u0942\u0930\u094d\u0923 \u0918\u0947\u0930\u093e\u092c\u0928\u094d\u0926\u0940\u092e\u093e \u091c\u0928\u0924\u093e\u0915\u094b \u0905\u0926\u093e\u0932\u0924\u092c\u093e\u0939\u0947\u0915 \u0928\u094d\u092f\u093e\u092f \u092e\u093e\u0917\u094d\u0928 \u091c\u093e\u0928\u0947 \u0906\u092b\u094d\u0928\u094b \u0920\u093e\u0909\u0901 \u0928\u092d\u090f\u0915\u094b \u092c\u0924\u093e\u090f\u0915\u093e \u0939\u0941\u0928\u094d \u0964<\/p>\n<div class=\"don-full\">\n<section class=\"widget\">\n<figure class=\"wp-block-image size-full\"><\/figure>\n<\/section>\n<\/div>\n<p>\u0932\u093e\u092e\u093f\u091b\u093e\u0928\u0947\u0932\u0947 \u092d\u0928\u0947\u0915\u093e \u091b\u0928\u094d, \u2018\u092e\u0935\u093f\u0930\u0941\u0926\u094d\u0927\u0915\u093e \u0937\u0921\u094d\u092f\u0928\u094d\u0924\u094d\u0930 \u0905\u091d\u0948 \u0938\u0915\u093f\u090f\u0915\u093e \u091b\u0948\u0928\u0928\u094d \u0964 \u0968\u0966\u096a\u096c \u0938\u093e\u0932\u092a\u091b\u093f\u0915\u093e \u0969\u096c \u0935\u0930\u094d\u0937\u092e\u093e \u092f\u093f\u0928\u0940\u0939\u0930\u0942\u0932\u0947 \u0915\u093e\u0930\u094d\u092f\u092a\u093e\u0932\u093f\u0915\u093e, \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e\u092a\u093f\u0915\u093e \u0930 \u0928\u094d\u092f\u093e\u092f\u092a\u093e\u0932\u093f\u0915\u093e\u0932\u093e\u0908 \u0915\u0938\u0930\u0940 \u0915\u092c\u094d\u091c\u093e \u0917\u0930\u093f\u0938\u0915\u0947\u0915\u093e \u091b\u0928\u094d, \u0906\u091c \u0938\u0902\u0938\u093e\u0930\u0932\u0947 \u0926\u0947\u0916\u0947\u0915\u094b \u091b \u0964 \u092f\u094b \u0905\u092a\u0930\u093e\u0927\u092a\u0942\u0930\u094d\u0923 \u0918\u0947\u0930\u093e\u092c\u0928\u094d\u0926\u0940\u092e\u093e \u0905\u092c \u092e\u0948\u0932\u0947 \u091c\u0928\u0924\u093e\u0915\u094b \u0905\u0926\u093e\u0932\u0924\u092c\u093e\u0939\u0947\u0915 \u0928\u094d\u092f\u093e\u092f \u092e\u093e\u0917\u094d\u0928 \u091c\u093e\u0928\u0947 \u0920\u093e\u0909\u0901 \u091b\u0948\u0928 \u0964\u2019<\/p>\n<div class=\"don-full\">\n<section class=\"widget\">\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.nabilbank.com\/individual\"><img decoding=\"async\" class=\"wp-image-377125 lazyload\" data-src=\"https:\/\/clickmandu.com\/wp-content\/uploads\/2025\/03\/800x100_f4dNdi8CgE.gif\" alt=\"\" width=\"800\" height=\"100\" data-attachment-id=\"377125\" data-permalink=\"https:\/\/clickmandu.com\/800x100_f4dndi8cge\" data-orig-file=\"https:\/\/clickmandu.com\/wp-content\/uploads\/2025\/03\/800x100_f4dNdi8CgE.gif\" data-orig-size=\"800,100\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"800x100_f4dNdi8CgE\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/clickmandu.com\/wp-content\/uploads\/2025\/03\/800x100_f4dNdi8CgE-400x100.gif\" data-large-file=\"https:\/\/clickmandu.com\/wp-content\/uploads\/2025\/03\/800x100_f4dNdi8CgE-768x96.gif\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/100;\" \/><\/a><\/figure>\n<\/section>\n<\/div>\n<p>\u0938\u092d\u093e\u092a\u0924\u093f \u0932\u093e\u092e\u093f\u091b\u093e\u0928\u0947\u0932\u0947 \u092c\u093f\u0924\u0947\u0915\u093e \u0969\u096c \u0935\u0930\u094d\u0937\u092e\u093e \u0928\u0947\u0924\u093e\u0939\u0930\u0942\u0932\u0947 \u0926\u0947\u0936 \u0930 \u091c\u0928\u0924\u093e\u0932\u093e\u0908 \u0926\u093f\u090f\u0915\u094b \u0926\u0941\u0903\u0916\u0915\u093e \u0905\u0917\u093e\u0921\u093f \u0906\u092b\u0942\u0932\u0947 \u092a\u093e\u090f\u0915\u094b \u0926\u0941\u0903\u0916 \u0915\u0947\u0939\u0940 \u092a\u0928\u093f \u0928\u092d\u090f\u0915\u094b \u092c\u0924\u093e\u090f\u0915\u093e \u091b\u0928\u094d \u0964<\/p>\n<div class=\"inner-square\"><\/div>\n<p>\u2018\u0930\u093e\u091c\u094d\u092f \u092f\u093f\u0928\u0915\u094b, \u0905\u0921\u094d\u0921\u093e\u2013\u0905\u0926\u093e\u0932\u0924 \u092f\u093f\u0928\u0915\u094b, \u092e\u093f\u0921\u093f\u092f\u093e\u0938\u092e\u0947\u0924 \u092f\u093f\u0928\u0915\u0948 \u0964 \u0930\u093e\u091c\u094d\u092f\u0915\u093e \u0938\u093e\u0930\u093e \u0905\u0902\u0917 \u0930 \u0938\u0902\u0930\u091a\u0928\u093e \u092f\u093f\u0928\u0915\u0948 \u092d\u0930\u094d\u0924\u0940\u0915\u0947\u0928\u094d\u0926\u094d\u0930 \u0964 \u0918\u0930\u093f\u0918\u0930\u093f \u0932\u093e\u0917\u094d\u091b, \u092f\u093f\u0928\u0940\u0939\u0930\u0942\u0932\u0947 \u092e\u0932\u093e\u0908 \u0927\u0947\u0930\u0948 \u0926\u0941\u0903\u0916 \u0926\u093f\u090f \u0964 \u0924\u0930, \u0935\u093f\u091a\u093e\u0930 \u0917\u0930\u094d\u0926\u0948 \u091c\u093e\u0901\u0926\u093e \u0917\u090f\u0915\u093e \u0969\u096c \u0935\u0930\u094d\u0937\u092e\u093e \u092f\u093f\u0928\u0940\u0939\u0930\u0942\u0932\u0947 \u0926\u0947\u0936 \u0930 \u091c\u0928\u0924\u093e\u0932\u093e\u0908 \u0926\u093f\u090f\u0915\u094b \u0926\u0941\u0903\u0916\u0915\u093e \u0905\u0917\u093e\u0921\u093f \u092e\u0948\u0932\u0947 \u092a\u093e\u090f\u0915\u094b \u0926\u0941\u0903\u0916 \u0924 \u0915\u0947\u0939\u0940 \u092a\u0928\u093f \u0939\u094b\u0907\u0928 \u0964 \u092f\u093f\u0928\u0940\u0939\u0930\u0942\u0932\u0947 \u092e\u0932\u093e\u0908 \u091c\u0947\u0932 \u0939\u093e\u0932\u0947 \u092d\u0928\u0947\u0930 \u0915\u0947 \u0926\u0941\u0903\u0916 \u092e\u0928\u093e\u0909 \u0917\u0930\u094d\u0928\u0941, \u091c\u092c \u092f\u093f\u0928\u0940\u0939\u0930\u0942\u0932\u0947 \u0938\u093f\u0902\u0917\u094b \u0926\u0947\u0936\u0932\u093e\u0908 \u0928\u0948 \u091c\u0947\u0932 \u092c\u0928\u093e\u0907\u0938\u0915\u0947,\u2019 \u0909\u0928\u0932\u0947 \u092d\u0928\u0947\u0915\u093e \u091b\u0928\u094d \u0964<\/p>\n<p>\u0938\u092d\u093e\u092a\u0924\u093f \u0932\u093e\u092e\u093f\u091b\u093e\u0928\u0947\u0932\u0947 \u0915\u0938\u0948\u0915\u094b \u0930\u093e\u091c\u0928\u0940\u0924\u093f, \u0915\u0938\u0948\u0915\u094b \u0938\u0930\u0915\u093e\u0930 \u092c\u0928\u093e\u0909\u0928 \u0935\u093e \u091c\u094b\u0917\u093e\u0909\u0928 \u0930 \u0915\u0938\u0948\u0932\u093e\u0908 \u0909\u091a\u094d\u091a \u0935\u093e \u0938\u0930\u094d\u0935\u094b\u091a\u094d\u091a \u092a\u0941\u0917\u094d\u0928 \u0906\u092b\u0942 \u092c\u0932\u093f \u091a\u0922\u094d\u0928\u0941\u092a\u0930\u0947\u0915\u094b \u092c\u0924\u093e\u090f\u0915\u093e \u091b\u0928\u094d \u0964 \u0938\u092d\u093e\u092a\u0924\u093f \u0932\u093e\u092e\u093f\u091b\u093e\u0928\u0947\u0932\u0947 \u090f\u0909\u091f\u093e \u092e\u093e\u0928\u094d\u091b\u0947 \u0915\u0924\u093f \u091c\u0928\u093e\u0915\u094b \u092d\u093e\u0915\u0932\u0915\u093e \u0932\u093e\u0917\u093f \u0915\u0924\u093f \u092a\u091f\u0915 \u0930\u0947\u091f\u093f\u0928\u0947 \u0930 \u0915\u0924\u093f \u091f\u0941\u0915\u094d\u0930\u093e\u092e\u093e \u0915\u093e\u091f\u093f\u0928\u0947 \u092d\u0928\u094d\u0928\u0947 \u092a\u094d\u0930\u0936\u094d\u0928 \u092a\u0928\u093f \u0917\u0930\u0947\u0915\u093e \u091b\u0928\u094d \u0964<\/p>\n<p>\u2018\u0938\u092c\u0948\u0932\u0947 \u092e\u0947\u0930\u0948 \u092c\u0932\u093f \u091a\u0922\u093e\u0909\u0928\u0947 \u092d\u093e\u0915\u0932 \u0917\u0930\u0947\u0915\u093e \u091b\u0928\u094d \u0964 \u0915\u0938\u0948\u0915\u094b \u0930\u093e\u091c\u0928\u0940\u0924\u093f \u091c\u094b\u0917\u093e\u0909\u0928, \u0915\u0938\u0948\u0915\u094b \u0938\u0930\u0915\u093e\u0930 \u092c\u0928\u093e\u0909\u0928 \u0935\u093e \u091c\u094b\u0917\u093e\u0909\u0928 \u0930 \u0915\u0938\u0948\u0932\u093e\u0908 \u0909\u091a\u094d\u091a \u0935\u093e \u0938\u0930\u094d\u0935\u094b\u091a\u094d\u091a \u092a\u0941\u0917\u094d\u0928 \u092a\u0928\u093f \u092e\u0947\u0930\u0948 \u092c\u0932\u093f \u091a\u0922\u094d\u0928\u0941\u092a\u0930\u094d\u0928\u0947 \u0964 \u092e \u090f\u0909\u091f\u093e \u092e\u093e\u0928\u094d\u091b\u0947 \u0915\u0924\u093f \u091c\u0928\u093e\u0915\u094b \u092d\u093e\u0915\u0932\u0915\u093e \u0932\u093e\u0917\u093f \u0915\u0924\u093f \u092a\u091f\u0915 \u0930\u0947\u091f\u093f\u0928\u0947, \u0915\u0924\u093f \u091f\u0941\u0915\u094d\u0930\u093e\u092e\u093e \u0915\u093e\u091f\u093f\u0928\u0947 ? \u0938\u092c\u0915\u094b \u092d\u093e\u0915\u0932 \u092a\u0942\u0930\u093e \u0917\u0930\u094d\u0928 \u0930\u0947\u091f\u093f\u0901\u0926\u093e\u2013\u0930\u0947\u091f\u093f\u0901\u0926\u093e \u092e\u0938\u0901\u0917 \u0939\u093e\u0921\u091b\u093e\u0932\u093e \u0930 \u090f\u0915\u092e\u0941\u0920\u0940 \u092a\u094d\u0930\u093e\u0923 \u092e\u093e\u0924\u094d\u0930 \u092c\u093e\u0901\u0915\u0940 \u091b,\u2019 \u0909\u0928\u0932\u0947 \u092d\u0928\u0947\u0915\u093e \u091b\u0928\u094d, \u2018\u092f\u0924\u093f\u092c\u0947\u0932\u093e \u092e\u0938\u0901\u0917 \u0938\u0924\u094d\u092f\u092c\u093e\u0939\u0947\u0915 \u0915\u0947\u0939\u0940 \u092a\u0928\u093f \u092c\u093e\u0901\u0915\u0940 \u091b\u0948\u0928 \u0964 \u092e \u0925\u0941\u0928\u093f\u0901\u0926\u093e \u092e\u093e\u0924\u094d\u0930\u0948 \u0928\u094d\u092f\u093e\u092f\u093e\u0932\u092f\u092a\u094d\u0930\u0924\u093f\u0915\u094b \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u0915\u093e\u092f\u092e \u0930\u0939\u0928\u094d\u091b \u0930\u0947 \u0964 \u0906\u091c \u0938\u092c\u0948 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u091c\u0928\u0924\u093e\u0915\u094b \u092a\u094d\u0930\u0924\u094d\u092f\u0915\u094d\u0937 \u0928\u093f\u0917\u0930\u093e\u0928\u0940\u092e\u093e \u091b \u0964 \u092e\u093f\u0921\u093f\u092f\u093e \u0939\u094b\u0938\u094d \u092f\u093e \u0928\u094d\u092f\u093e\u092f\u093e\u0932\u092f, \u091c\u0928\u0924\u093e\u0915\u094b \u0905\u0926\u093e\u0932\u0924\u092e\u093e \u0922\u093f\u0932\u094b\u091b\u093f\u091f\u094b \u0938\u092c\u0948\u0932\u0947 \u091c\u0935\u093e\u092b \u0926\u093f\u0928\u0941\u092a\u0930\u094d\u0928\u0947\u091b \u0964 \u090f\u0915 \u0928 \u090f\u0915\u0926\u093f\u0928 \u0938\u092c\u0948\u0915\u094b \u0938\u094d\u0935\u0924\u0947\u092a\u0924\u094d\u0930 \u0928\u093f\u0938\u094d\u0915\u0928\u0947 \u0928\u0948 \u091b \u0964\u2019<\/p>\n<\/div>\n<\/article>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u0915\u093e\u0920\u092e\u093e\u0921\u094c\u0902 \u0964 \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u093f\u092f \u0938\u094d\u0935\u0924\u0928\u094d\u0924\u094d\u0930 \u092a\u093e\u0930\u094d\u091f\u0940 (\u0930\u093e\u0938\u094d\u0935\u092a\u093e) \u0915\u093e \u0938\u092d\u093e\u092a\u0924\u093f \u0930\u0935\u093f \u0932\u093e\u092e\u093f\u091b\u093e\u0928\u0947\u0932\u0947 \u0906\u092b\u0942\u0935\u093f\u0930\u0941\u0926\u094d\u0927\u0915\u093e \u0937\u0921\u094d\u092f\u0928\u094d\u0924\u094d\u0930 \u0905\u091d\u0948 \u0928\u0938\u0915\u093f\u090f\u0915\u094b \u092c\u0924\u093e\u090f\u0915\u093e \u091b\u0928\u094d \u0964<br \/>\n\u092a\u093e\u0930\u094d\u091f\u0940\u0915\u094b \u0924\u0947\u0938\u094d\u0930\u094b 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\u0918\u0947\u0930\u093e\u092c\u0928\u094d\u0926\u0940\u092e\u093e \u0905\u092c \u092e\u0948\u0932\u0947 \u091c\u0928\u0924\u093e\u0915\u094b \u0905\u0926\u093e\u0932\u0924\u092c\u093e\u0939\u0947\u0915 \u0928\u094d\u092f\u093e\u092f \u092e\u093e\u0917\u094d\u0928 \u091c\u093e\u0928\u0947 \u0920\u093e\u0909\u0901 \u091b\u0948\u0928 \u0964\u2019<\/p>\n<p>\u0938\u092d\u093e\u092a\u0924\u093f \u0932\u093e\u092e\u093f\u091b\u093e\u0928\u0947\u0932\u0947 \u092c\u093f\u0924\u0947\u0915\u093e \u0969\u096c \u0935\u0930\u094d\u0937\u092e\u093e \u0928\u0947\u0924\u093e\u0939\u0930\u0942\u0932\u0947 \u0926\u0947\u0936 \u0930 \u091c\u0928\u0924\u093e\u0932\u093e\u0908 \u0926\u093f\u090f\u0915\u094b 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