{"id":300825,"date":"2026-06-14T09:23:13","date_gmt":"2026-06-14T03:38:13","guid":{"rendered":"https:\/\/insurancekhabar.com\/?p=300825"},"modified":"2026-06-14T09:24:58","modified_gmt":"2026-06-14T03:39:58","slug":"indigenous-hydropower-projects-at-high-risk-of-climate-change-due-to-geographical-location","status":"publish","type":"post","link":"https:\/\/insurancekhabar.com\/indigenous-hydropower-projects-at-high-risk-of-climate-change-due-to-geographical-location\/","title":{"rendered":"\u092d\u094c\u0917\u094b\u0932\u093f\u0915 \u0905\u0935\u0938\u094d\u0925\u093f\u0924\u093f\u0915\u093e \u0915\u093e\u0930\u0923 \u091c\u0932\u0935\u093e\u092f\u0941 \u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928\u0915\u094b \u0909\u091a\u094d\u091a \u091c\u094b\u0916\u093f\u092e\u092e\u093e \u0938\u094d\u0935\u0926\u0947\u0936\u0940 \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u0906\u092f\u094b\u091c\u0928\u093e"},"content":{"rendered":"<p>\u0915\u093e\u0920\u092e\u093e\u0921\u094c\u0902 \u0964<b data-path-to-node=\"3\" data-index-in-node=\"0\"><\/b> \u0928\u0947\u092a\u093e\u0932 \u092c\u0940\u092e\u093e \u092a\u094d\u0930\u093e\u0927\u093f\u0915\u0930\u0923\u0915\u094b \u092a\u094d\u0930\u0924\u093f\u0935\u0947\u0926\u0928 \u0905\u0928\u0941\u0938\u093e\u0930 \u0928\u0947\u092a\u093e\u0932\u0915\u093e \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u0906\u092f\u094b\u091c\u0928\u093e\u0939\u0930\u0942 \u092a\u094d\u0930\u093e\u0915\u0943\u0924\u093f\u0915 \u0930 \u0935\u093e\u0924\u093e\u0935\u0930\u0923\u0940\u092f \u0939\u093f\u0938\u093e\u092c\u0932\u0947 \u0928\u093f\u0915\u0948 \u0938\u0902\u0935\u0947\u0926\u0928\u0936\u0940\u0932 \u0930 \u091c\u094b\u0916\u093f\u092e\u092a\u0942\u0930\u094d\u0923 \u092c\u0928\u094d\u0926\u0948 \u0917\u090f\u0915\u093e \u091b\u0928\u094d\u0964 \u092d\u094c\u0917\u094b\u0932\u093f\u0915 \u092c\u0928\u093e\u0935\u091f \u0930 \u092e\u094c\u0938\u092e\u092e\u093e \u0906\u090f\u0915\u094b \u0905\u0938\u094d\u0935\u093e\u092d\u093e\u0935\u093f\u0915 \u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928\u0915\u093e \u0915\u093e\u0930\u0923 \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u092e\u093e \u0920\u0941\u0932\u094b \u0938\u0902\u0915\u091f \u0926\u0947\u0916\u093f\u090f\u0915\u094b \u091b\u0964<\/p>\n<p>\u092a\u094d\u0930\u093e\u0927\u093f\u0915\u0930\u0923\u0932\u0947 \u092e\u0902\u0917\u0932\u092c\u093e\u0930 \u092a\u094d\u0930\u0915\u093e\u0936\u0928 \u0917\u0930\u0947\u0915\u094b \u0928\u0947\u092a\u093e\u0932\u0915\u094b \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u0906\u092f\u094b\u091c\u0928\u093e \u0938\u092e\u094d\u092c\u0928\u094d\u0927\u093f \u0905\u0927\u094d\u092f\u092f\u0928 \u092a\u094d\u0930\u0924\u093f\u0935\u0947\u0926\u0928, <em>&#8216;<a href=\"https:\/\/nia.gov.np\/Admin\/images\/OurPublication\/Pages\/20260525111723.pdf\">Hydropower Insurance in Nepal: Assessment of Trends, Challenges, and Opportunities for Reform<\/a><\/em>&#8216; \u092e\u093e \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u0906\u092f\u094b\u091c\u0928\u093e\u0915\u094b \u0938\u0902\u092d\u093e\u0935\u094d\u092f\u0924\u093e \u0905\u0927\u094d\u092f\u092f\u0928\u0915\u093e \u0932\u093e\u0917\u093f \u0905\u092c \u092a\u0930\u092e\u094d\u092a\u0930\u093e\u0917\u0924 \u0924\u0930\u093f\u0915\u093e\u0915\u094b \u0935\u093e\u0924\u093e\u0935\u0930\u0923\u0940\u092f \u092e\u0942\u0932\u094d\u092f\u093e\u0919\u094d\u0915\u0928\u0932\u0947 \u092e\u093e\u0924\u094d\u0930 \u092a\u0941\u0917\u094d\u0926\u0948\u0928\u0964 \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u092a\u094d\u0930\u0935\u0930\u094d\u0926\u094d\u0927\u0915\u0939\u0930\u0942\u0932\u0947 \u0906\u092f\u094b\u091c\u0928\u093e\u0915\u094b \u0921\u093f\u091c\u093e\u0907\u0928 \u0917\u0930\u094d\u0926\u093e \u0928\u0948 \u091c\u0932\u0935\u093e\u092f\u0941 \u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928\u0915\u094b \u091c\u094b\u0916\u093f\u092e\u0932\u093e\u0908 \u0925\u0947\u0917\u094d\u0928 \u0938\u0915\u094d\u0928\u0947 \u092a\u094d\u0930\u0935\u093f\u0927\u093f \u0905\u092a\u0928\u093e\u0909\u0928\u0941 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u092d\u0907\u0938\u0915\u0947\u0915\u094b \u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937 \u091b\u0964<\/p>\n<figure id=\"attachment_303350\" aria-describedby=\"caption-attachment-303350\" style=\"width: 762px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-303350 size-full\" src=\"https:\/\/media.insurancekhabar.com\/uploads\/2026\/06\/Hydropower-Gross-Claim.png\" alt=\"\" width=\"762\" height=\"496\" \/><figcaption id=\"caption-attachment-303350\" class=\"wp-caption-text\">Source: Hydropower Insurance in Nepal: Assessment of trends, challenges, and Opportunities for Reform, a research report published by Nepal Insurance Authority<\/figcaption><\/figure>\n<p>\u092a\u094d\u0930\u0924\u093f\u0935\u0947\u0926\u0928 \u0905\u0928\u0941\u0938\u093e\u0930, \u0939\u093f\u092e\u0924\u093e\u0932 \u0935\u093f\u0937\u094d\u092b\u094b\u091f\u0928, \u0905\u092a\u094d\u0930\u0924\u094d\u092f\u093e\u0936\u093f\u0924 \u092c\u093e\u0926\u0932 \u092b\u091f\u094d\u0928\u0947, \u092c\u093e\u0922\u0940 \u0930 \u092d\u0940\u0937\u0923 \u092a\u0939\u093f\u0930\u094b\u0915\u093e \u0915\u093e\u0930\u0923 \u0906\u092f\u094b\u091c\u0928\u093e\u0915\u093e \u092c\u093e\u0901\u0927, \u092c\u093e\u0932\u0941\u0935\u093e \u0925\u093f\u0917\u094d\u0930\u094d\u092f\u093e\u0909\u0928\u0947 \u092a\u094b\u0916\u0930\u0940 \u0930 \u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u0917\u0943\u0939\u0939\u0930\u0942\u092e\u093e \u092a\u091f\u0915-\u092a\u091f\u0915 \u0917\u092e\u094d\u092d\u0940\u0930 \u0915\u094d\u0937\u0924\u093f \u092a\u0941\u0917\u093f\u0930\u0939\u0947\u0915\u094b \u091b\u0964<\/p>\n<p>\u092a\u094d\u0930\u0924\u093f\u0935\u0947\u0926\u0928\u0915\u093e \u0905\u0928\u0941\u0938\u093e\u0930, \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924\u092e\u093e \u092d\u090f\u0915\u094b \u0915\u094d\u0937\u0924\u093f\u0915\u093e \u0915\u093e\u0930\u0923 \u0909\u0930\u094d\u091c\u093e \u0909\u0924\u094d\u092a\u093e\u0926\u0915\u0915\u094b \u0924\u0930\u094d\u092b\u092c\u093e\u091f \u092a\u0930\u094d\u0928\u0947 \u0926\u093e\u092c\u0940\u0915\u094b \u0906\u0915\u093e\u0930 \u092a\u091b\u093f\u0932\u094d\u0932\u094b \u092a\u093e\u0901\u091a \u0935\u0930\u094d\u0937\u0915\u094b \u0905\u0935\u0927\u093f\u092e\u093e \u0915\u094d\u0930\u092e\u0936\u0903 \u092c\u0922\u094d\u0926\u0948 \u0917\u090f\u0915\u094b \u091b\u0964<\/p>\n<p>\u092a\u094d\u0930\u0924\u093f\u0935\u0947\u0926\u0928\u092e\u093e \u0926\u093f\u0907\u090f\u0915\u094b \u0924\u0925\u094d\u092f\u093e\u0919\u094d\u0915 \u0935\u093f\u0936\u094d\u0932\u0947\u0937\u0923 \u0917\u0930\u094d\u0926\u093e, \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u0906\u092f\u094b\u091c\u0928\u093e\u0939\u0930\u0942\u092e\u093e \u0938\u092e\u094d\u092a\u0924\u094d\u0924\u093f \u0930 \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u093f\u0915 \u0905\u0935\u0930\u094b\u0927\u0915\u093e \u0915\u093e\u0930\u0923 \u0939\u0941\u0928\u0947 \u0928\u093e\u092b\u093e \u0928\u094b\u0915\u094d\u0938\u093e\u0928\u0940 (\u0932\u0938 \u0905\u092b \u092a\u094d\u0930\u092b\u093f\u091f) \u0915\u094b \u092c\u0940\u092e\u093e \u0926\u093e\u092c\u0940 \u0909\u091a\u094d\u091a \u0926\u0947\u0916\u093f\u090f\u0915\u094b \u091b \u0964 \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u092e\u093e \u0938\u092e\u094d\u092a\u0924\u094d\u0924\u093f \u092c\u0940\u092e\u093e \u0930 \u0928\u093e\u092b\u093e \u0928\u094b\u0915\u094d\u0938\u093e\u0928\u0940\u0924\u0930\u094d\u092b\u0915\u094b \u091c\u094b\u0916\u093f\u092e \u0909\u091a\u094d\u091a \u0930\u0939\u0901\u0926\u093e \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u092c\u0940\u092e\u093e \u0938\u0941\u0930\u0915\u094d\u0937\u093e (\u0915\u092d\u0930\u0947\u091c) \u0915\u094b \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0914\u0902\u0932\u094d\u092f\u093e\u0907\u090f\u0915\u094b \u091b \u0964<\/p>\n<div id=\"model-response-message-contentr_0f92e7909d8e16b9\" class=\"markdown markdown-main-panel enable-updated-hr-color\" dir=\"ltr\" aria-live=\"polite\" aria-busy=\"false\">\n<p data-path-to-node=\"2\">\u0935\u093f\u0935\u0930\u0923 \u0905\u0928\u0941\u0938\u093e\u0930 \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u0906\u092f\u094b\u091c\u0928\u093e\u0939\u0930\u0942\u0938\u0901\u0917 \u0938\u092e\u094d\u092c\u0928\u094d\u0927\u093f\u0924 \u092c\u0940\u092e\u093e \u0935\u093f\u0927\u093e\u0917\u0924 \u0926\u093e\u092c\u0940\u0915\u094b \u0905\u0935\u0938\u094d\u0925\u093e \u092f\u0938\u092a\u094d\u0930\u0915\u093e\u0930 \u091b:<\/p>\n<ul data-path-to-node=\"3\">\n<li>\n<p data-path-to-node=\"3,0,0\"><b data-path-to-node=\"3,0,0\" data-index-in-node=\"0\">\u0938\u092e\u094d\u092a\u0924\u094d\u0924\u093f \u092c\u0940\u092e\u093e:<\/b> \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u0906\u092f\u094b\u091c\u0928\u093e\u0939\u0930\u0942\u092e\u093e \u0938\u092c\u0948\u092d\u0928\u094d\u0926\u093e \u092c\u0922\u0940 \u0926\u093e\u092c\u0940 \u0938\u092e\u094d\u092a\u0924\u094d\u0924\u093f \u092c\u0940\u092e\u093e \u0905\u0928\u094d\u0924\u0930\u094d\u0917\u0924 \u0939\u0941\u0928\u0947 \u0917\u0930\u0947\u0915\u094b \u091b \u0964 \u092f\u0938 \u0935\u093f\u0927\u093e\u092e\u093e \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0914\u0938\u0924 \u0967\u0967\u096c.\u096b\u0967 \u0915\u0930\u094b\u0921 \u0930\u0941\u092a\u0948\u092f\u093e\u0901 \u092c\u0930\u093e\u092c\u0930\u0915\u094b \u0909\u091a\u094d\u091a \u0926\u093e\u092c\u0940 \u0939\u0941\u0928\u0947 \u0917\u0930\u0947\u0915\u094b \u091b, \u091c\u0938\u0932\u0947 \u0906\u092f\u094b\u091c\u0928\u093e\u0939\u0930\u0942\u0915\u094b \u092d\u094c\u0924\u093f\u0915 \u0938\u092e\u094d\u092a\u0924\u094d\u0924\u093f\u092e\u093e \u0920\u0942\u0932\u094b \u092a\u0930\u093f\u092e\u093e\u0923\u0915\u094b \u0915\u094d\u0937\u0924\u093f \u0939\u0941\u0928\u0947 \u0917\u0930\u0947\u0915\u094b \u0926\u0947\u0916\u093e\u0909\u0901\u091b \u0964<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"3,1,0\"><b data-path-to-node=\"3,1,0\" data-index-in-node=\"0\">\u0928\u093e\u092b\u093e \u0928\u094b\u0915\u094d\u0938\u093e\u0928\u0940:<\/b> \u0906\u092f\u094b\u091c\u0928\u093e \u0938\u091e\u094d\u091a\u093e\u0932\u0928\u092e\u093e \u0906\u0909\u0928\u0947 \u0905\u0935\u0930\u094b\u0927\u0915\u093e \u0915\u093e\u0930\u0923 \u0939\u0941\u0928\u0947 \u0928\u093e\u092b\u093e \u0928\u094b\u0915\u094d\u0938\u093e\u0928\u0940\u0915\u094b \u0926\u093e\u092c\u0940 \u092a\u0928\u093f \u0932\u0917\u093e\u0924\u093e\u0930 \u0909\u091a\u094d\u091a \u091b \u0964 \u092f\u0938 \u0935\u093f\u0927\u093e\u092e\u093e \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0914\u0938\u0924 \u096a\u096b.\u096b\u0969 \u0915\u0930\u094b\u0921 \u0930\u0941\u092a\u0948\u092f\u093e\u0901\u0915\u094b \u0926\u093e\u092c\u0940 \u0939\u0941\u0928\u0947 \u0917\u0930\u0947\u0915\u094b \u091b, \u091c\u0938\u0932\u0947 \u0938\u091e\u094d\u091a\u093e\u0932\u0928 \u0905\u0935\u0930\u094b\u0927\u0915\u093e \u0915\u093e\u0930\u0923 \u0920\u0942\u0932\u094b \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092d\u093e\u0930 \u0925\u092a\u093f\u0928\u0947 \u0917\u0930\u0947\u0915\u094b \u0938\u094d\u092a\u0937\u094d\u091f \u092a\u093e\u0930\u094d\u091b \u0964<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"3,2,0\"><b data-path-to-node=\"3,2,0\" data-index-in-node=\"0\">\u0928\u093f\u0930\u094d\u092e\u093e\u0923\u0924\u0930\u094d\u092b\u0915\u094b \u091c\u094b\u0916\u093f\u092e (CAR\/EAR):<\/b> \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u091a\u0930\u0923\u092e\u093e \u0939\u0941\u0928\u0947 \u091c\u094b\u0916\u093f\u092e \u0930 \u0926\u0941\u0930\u094d\u0918\u091f\u0928\u093e \u0938\u092e\u094d\u092c\u0928\u094d\u0927\u0940 \u0926\u093e\u092c\u0940\u0939\u0930\u0942\u092e\u093e \u092d\u0928\u0947 \u0917\u093f\u0930\u093e\u0935\u091f \u0926\u0930\u094d\u091c \u092d\u090f\u0915\u094b \u091b \u0964 \u0920\u0947\u0915\u0947\u0926\u093e\u0930\u0915\u094b \u0938\u092e\u094d\u092a\u0942\u0930\u094d\u0923 \u091c\u094b\u0916\u093f\u092e (CAR) \u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b \u0905\u0928\u094d\u0924\u0930\u094d\u0917\u0924 \u0906\u0930\u094d\u0925\u093f\u0915 \u0935\u0930\u094d\u0937 \u0968\u0966\u096d\u096d\/\u096d\u096e \u092e\u093e \u096c\u096a.\u096f\u096a \u0915\u0930\u094b\u0921 \u0930\u0941\u092a\u0948\u092f\u093e\u0901 \u0926\u093e\u092c\u0940 \u092d\u090f\u0915\u094b\u092e\u093e \u0906\u0935 \u0968\u0966\u096e\u0967\/\u096e\u0968 \u092e\u093e \u0918\u091f\u0947\u0930 \u0967\u096f.\u096f\u096b \u0915\u0930\u094b\u0921 \u0930\u0941\u092a\u0948\u092f\u093e\u0901\u092e\u093e \u091d\u0930\u0947\u0915\u094b \u091b \u0964 \u092f\u0938\u0915\u094b \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0914\u0938\u0924 \u0926\u093e\u092c\u0940 \u096a\u096b.\u096a\u096d \u0915\u0930\u094b\u0921 \u0930\u0941\u092a\u0948\u092f\u093e\u0901 \u091b \u0964<\/p>\n<p data-path-to-node=\"3,2,0\">\u0924\u094d\u092f\u0938\u094d\u0924\u0948, \u091c\u0921\u093e\u0928\u0924\u0930\u094d\u092b\u0915\u094b \u091c\u094b\u0916\u093f\u092e (EAR) \u0926\u093e\u092c\u0940 \u092a\u0928\u093f \u0968\u096e.\u096a\u096f \u0915\u0930\u094b\u0921\u092c\u093e\u091f \u0918\u091f\u0947\u0930 \u096c.\u0967\u0967 \u0915\u0930\u094b\u0921 \u0930\u0941\u092a\u0948\u092f\u093e\u0901\u092e\u093e \u0938\u0940\u092e\u093f\u0924 \u092d\u090f\u0915\u094b \u091b (\u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0914\u0938\u0924 \u0967\u096a.\u096e\u096e \u0915\u0930\u094b\u0921 \u0930\u0941\u092a\u0948\u092f\u093e\u0901) \u0964 \u092f\u0938\u0932\u0947 \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0930 \u091c\u0921\u093e\u0928 \u091a\u0930\u0923\u0915\u093e \u0926\u0941\u0930\u094d\u0918\u091f\u0928\u093e\u0939\u0930\u0942\u092e\u093e \u0915\u092e\u0940 \u0906\u090f\u0915\u094b \u0938\u0902\u0915\u0947\u0924 \u0917\u0930\u094d\u091b \u0964<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"3,3,0\"><b data-path-to-node=\"3,3,0\" data-index-in-node=\"0\">\u092e\u0947\u0938\u093f\u0928\u0930\u0940 \u0915\u094d\u0937\u0924\u093f:<\/b> \u092e\u0947\u0938\u093f\u0928\u0930\u0940 \u091f\u0941\u091f\u092b\u0941\u091f\u0924\u0930\u094d\u092b\u0915\u094b \u0926\u093e\u092c\u0940 \u0914\u0938\u0924\u092e\u093e \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0968.\u096e\u0968 \u0915\u0930\u094b\u0921 \u0930\u0941\u092a\u0948\u092f\u093e\u0901\u0938\u0939\u093f\u0924 \u0928\u094d\u092f\u0942\u0928 \u0930\u0939\u0928\u0947 \u0917\u0930\u0947\u0915\u094b \u091b 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\u0968\u0966\u096d\u096d\/\u096d\u096e \u092e\u093e \u0915\u0941\u0932 \u0926\u093e\u092c\u0940 \u0968\u0966\u096d.\u096b\u096d \u0915\u0930\u094b\u0921 \u0930\u0941\u092a\u0948\u092f\u093e\u0901 \u0930\u0939\u0947\u0915\u094b\u092e\u093e \u0906\u0935 \u0968\u0966\u096e\u0966\/\u096e\u0967 \u092e\u093e \u0918\u091f\u0947\u0930 \u0967\u0967\u096a.\u096b\u0969 \u0915\u0930\u094b\u0921 \u0930\u0941\u092a\u0948\u092f\u093e\u0901 \u092a\u0941\u0917\u0947\u0915\u094b \u0925\u093f\u092f\u094b \u0964 \u0924\u0930, \u0906\u0935 \u0968\u0966\u096e\u0967\/\u096e\u0968 \u092e\u093e \u092f\u094b \u0930\u0915\u092e \u0939\u094d\u0935\u093e\u0924\u094d\u0924\u0948 \u092c\u0922\u0947\u0930 \u0968\u096d\u0966.\u096c\u0966 \u0915\u0930\u094b\u0921 \u0930\u0941\u092a\u0948\u092f\u093e\u0901 \u092a\u0941\u0917\u0947\u0915\u094b \u091b \u0964 \u0938\u092e\u0917\u094d\u0930\u092e\u093e \u092f\u0938 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u0915\u094b \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0914\u0938\u0924 \u0926\u093e\u092c\u0940 \u0968\u0968\u096f.\u0966\u0967 \u0915\u0930\u094b\u0921 \u0930\u0941\u092a\u0948\u092f\u093e\u0901 \u0930\u0939\u0947\u0915\u094b \u091b \u0964<\/p>\n<p data-path-to-node=\"5\">\u092c\u0940\u092e\u093e \u0926\u093e\u092c\u0940\u0915\u094b \u092f\u094b \u0924\u0925\u094d\u092f\u093e\u0902\u0915\u0932\u0947 \u0915\u0947\u0939\u0940 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u092e\u093e \u091c\u094b\u0916\u093f\u092e \u0928\u094d\u092f\u0942\u0928\u0940\u0915\u0930\u0923 \u0939\u0941\u0901\u0926\u0948 \u0917\u090f \u092a\u0928\u093f \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u0906\u092f\u094b\u091c\u0928\u093e\u0939\u0930\u0942\u0915\u093e \u0932\u093e\u0917\u093f \u0938\u092e\u094d\u092a\u0924\u094d\u0924\u093f \u0930 \u0928\u093e\u092b\u093e \u0928\u094b\u0915\u094d\u0938\u093e\u0928\u0940 \u0938\u092e\u094d\u092c\u0928\u094d\u0927\u0940 \u092c\u0940\u092e\u093e\u0932\u0947\u0916\u0939\u0930\u0942\u092e\u093e \u0905\u091d\u0948 \u092a\u0928\u093f \u0920\u0942\u0932\u094b \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u091c\u094b\u0916\u093f\u092e \u0915\u093e\u092f\u092e\u0948 \u0930\u0939\u0947\u0915\u094b \u0930 \u092f\u0938\u0915\u093e \u0932\u093e\u0917\u093f \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u092c\u0940\u092e\u093e \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0939\u0941\u0928\u0941\u092a\u0930\u094d\u0928\u0947 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e\u0932\u093e\u0908 \u091c\u094b\u0921 \u0926\u093f\u090f\u0915\u094b \u091b \u0964<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u0915\u093e\u0920\u092e\u093e\u0921\u094c\u0902 \u0964 \u0928\u0947\u092a\u093e\u0932 \u092c\u0940\u092e\u093e \u092a\u094d\u0930\u093e\u0927\u093f\u0915\u0930\u0923\u0915\u094b \u092a\u094d\u0930\u0924\u093f\u0935\u0947\u0926\u0928 \u0905\u0928\u0941\u0938\u093e\u0930 \u0928\u0947\u092a\u093e\u0932\u0915\u093e \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u0906\u092f\u094b\u091c\u0928\u093e\u0939\u0930\u0942 \u092a\u094d\u0930\u093e\u0915\u0943\u0924\u093f\u0915 \u0930 \u0935\u093e\u0924\u093e\u0935\u0930\u0923\u0940\u092f \u0939\u093f\u0938\u093e\u092c\u0932\u0947 \u0928\u093f\u0915\u0948 \u0938\u0902\u0935\u0947\u0926\u0928\u0936\u0940\u0932 \u0930 \u091c\u094b\u0916\u093f\u092e\u092a\u0942\u0930\u094d\u0923 \u092c\u0928\u094d\u0926\u0948 \u0917\u090f\u0915\u093e \u091b\u0928\u094d\u0964 \u092d\u094c\u0917\u094b\u0932\u093f\u0915 \u092c\u0928\u093e\u0935\u091f \u0930 \u092e\u094c\u0938\u092e\u092e\u093e \u0906\u090f\u0915\u094b \u0905\u0938\u094d\u0935\u093e\u092d\u093e\u0935\u093f\u0915 \u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928\u0915\u093e \u0915\u093e\u0930\u0923 \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u092e\u093e \u0920\u0941\u0932\u094b \u0938\u0902\u0915\u091f \u0926\u0947\u0916\u093f\u090f\u0915\u094b \u091b\u0964 \u092a\u094d\u0930\u093e\u0927\u093f\u0915\u0930\u0923\u0932\u0947 \u092e\u0902\u0917\u0932\u092c\u093e\u0930 \u092a\u094d\u0930\u0915\u093e\u0936\u0928 \u0917\u0930\u0947\u0915\u094b \u0928\u0947\u092a\u093e\u0932\u0915\u094b \u091c\u0932\u0935\u093f\u0926\u094d\u092f\u0941\u0924 \u0906\u092f\u094b\u091c\u0928\u093e \u0938\u092e\u094d\u092c\u0928\u094d\u0927\u093f \u0905\u0927\u094d\u092f\u092f\u0928 \u092a\u094d\u0930\u0924\u093f\u0935\u0947\u0926\u0928, &#8216;Hydropower Insurance in Nepal: Assessment of Trends, Challenges, and Opportunities 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