fy -2018...aa¨vq-5 fy suywk cÖkg‡bi ‡kŠkj mg–n 5.01 fy suywk cÖkgb 26 5.02 rvgvbz 26 5.03...
TRANSCRIPT
FY SzuwK e¨e ’vcbv bxwZgvjv-2018
SzuwK e¨e ’vcbv wefvM
evsjv‡`k K…wl e¨vsK
cÖavb Kvh©vjq, XvKv|
gyLeÜ
e¨vsK g~jZt mgv‡Ri gvby‡li Av‡qi DØ„Ë Ask msi¶Y Ges msiw¶Z DØ„Ë Ask gvby‡li wewfbœ cÖ‡qvR‡b
(e¨emv, K…wlKvR, wkí KviLvbv ¯’vcb, grm¨ Drcv`b, K…wl wfwËK wewfbœ wkí BZ¨vw` Lv‡Z) A_© mnvqZv cÖ`vb K‡i
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G A_© †jb‡`‡bi †¶‡Î †hb A_© msi¶YKvix I A_© mnvqZvKvix wn‡m‡e e¨vs‡Ki ¯v_© †Kvb iKg SuywKi g‡a¨ bv c‡o
†m R‡b¨ myôz e¨e¯’vcbv Acwinvh©|
A_© mnvqZv MÖnYKvix (FY MÖnxZv) Zvi M„nxZ A_© †`q Zvwi‡L jvf (my`) mn †diZ †`qvi m¶gZv we‡ePbv
K‡i FY cÖ`vb, F‡Yi ¸YMZgvb wba©viY, F‡Yi wecix‡Z M„nxZ Rvgvb‡Zi †¶‡Î mKj cÖKvi SuywKi welq we‡ePbvq
ivL‡Z n‡e| Avi A‡_©i GB cÖevn mwVKfv‡e cwiPvjbvi Rb¨ †µwWU wi¯‹ g¨v‡bR‡g›U Gi D™¢e n‡q‡Q| mg‡qi
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AvaywbKvq‡bi Av`‡j wewb‡qv‡Mi bZzb bZzb †¶ÎI D‡b¥vwPZ n‡q‡Q|
F‡Yi ¸YMZ gv‡bi Aabgb n‡j e¨vs‡Ki gybvdv AR©b evavMÖ¯Í nq| eZ©gv‡b e¨vsK ‡K e¨v‡mj-Uz I w_ª
Abyhvqx wi¯‹ †emW K¨vwcUvj msi¶Y Ki‡Z nq| ZvQvov F‡Yi ¸YMZ gv‡bi wfwˇZ cÖwfkb msi¶Y Ki‡Z nq, hv
e¨vs‡Ki mvwe©K gybvdvi Dci cÖfve ‡d‡j| G Rb¨ F‡Yi ¸YMZ gvb fvj ivLv, †Ljvcx nIqv †iva Kiv Ges FY cÖ`vb
K‡i Zv h_vmg‡q gybvdvmn †diZ Avbvi j‡¶¨ myôz SzuwK e¨e ’vcbvi †Kvb weKí †bB| G †cÖw¶‡Z FY cÖ`v‡bi c~‡e© I
c‡i F‡Yi mv‡_ mswkøó SzuwK wPwýZ Kiv, SzuwKi gvÎv cwigvc, SzuwK wbim‡bi cš’v D™¢veb, cÖ‡hvR¨ †¶‡Î SzuwK Gov‡bvi
Dcvq †ei KivB †µwWU wi¯‹ g¨v‡bR‡g›U Gi Ab¨Zg D‡Ïk¨| ‡µwWU wi¯‹ g¨v‡bR‡g›U h_vh_fv‡e ev¯Íevq‡bi Rb¨
e¨vs‡Ki mKj wbe©vnx/Kg©KZ©v we‡kl K‡i F‡Yi mv‡_ mswkøó Kg©KZ©v‡`i †µwWU wi¯‹ msµvšÍ wel‡q mg¨K aviYv I
Ávb _vKv cÖ‡qvRb| ‡m j‡¶¨ mg‡qi Pvwn`v we‡ePbvq †µwWU wi¯‹ g¨v‡bR‡g›U MvBWjvBb cÖYqb Kivi D‡`¨vM †bqv
n‡q‡Q| KZ©„c‡¶i G D‡`¨vM mdj Kivi j‡¶¨ e¨vs‡Ki mKj wbe©vnx/Kg©KZ©vMY‡K cÖYxZ †µwWU wi¯‹ g¨v‡bR‡g›U
MvBWjvBb Gi w`K-wb‡`©kbv h_vh_fv‡e cwicvjb, AbymiY I ev¯Íevqb Ki‡Z n‡e| Zv n‡jB e¨vs‡Ki †jvb †cvU©
†dvwjIi gvb kw³kvjx n‡e Ges e¨vs‡Ki Afxó j¶¨ AR©b wbwe©Nœ n‡e|
†µwWU wi¯‹ g¨v‡bR‡g›U MvBWjvBb-2018 e¨vs‡Ki cÖavb Kvh©vj‡qi SuywK e¨e¯’vcbv wefvM, †µwWU wefvM-1,
†µwWU wefvM-2, iæivj GÛ gvB‡µv‡µwWU wefvM, cÖ‡R± †µwWU wefvM, GmGgB wefvM I g¨vb cvIqvi cøvwbs GÛ
†W‡fjc‡g›U wefvM Gi mwµq mn‡hvwMZv I cwikÖ‡gi dmj| Avwg mevB‡K Zuv‡`i kÖg, wbôv I HKvwšÍK cÖ‡Póvi Rb¨
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g¨vby‡qjwU cÖYq‡bi mv‡_ cÖZ¨¶fv‡e hv‡`i †gav I kÖg wg‡k Av‡Q Zuviv n‡jb SuywK e¨e¯’vcbv wefv‡Mi mnKvix
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gvngy` Kvgvj I SzuwK e¨e¯’vcbv wefv‡Mi Dc-gnve¨e ’vcK Rbve iIbK mv` †di‡`Šmx Zv‡`i my¯úó w`Kwb‡`©kbv I
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AvšÍwiK ab¨ev` Ávcb KiwQ|
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ADR = Alternative Dispute Resolution
BBLC = Back to Back Letter of Credit
BMRE = Balancing, Modernization, Replacement and Expansion
BRPD = Banking Regulation and Policy Department
CAT = Credit Application Template
ADR = Advance Deposit Ratio
CL = Classified Loan
CLRR = Classified Loan Review Report
CRG = Credit Risk Grading
CRM = Credit Risk Management
DF = Doubtful
ECAI = External Credit Assessment Institute
ECC = Export Cash Credit
EDD = Environmental Due Dilligence
EnvRR = Environmental Risk Rating
ERM = Environmental Risk Management
ETP = Effluent Treatment Plant
FDBP = Foreign Documentary Bill Purchased
ICT = Informantion and Communication Technology
KYC = Know Your Customer
LC = Letter of Credit
LIM = Loan Against Imported Merchandise
LTR = Loan Against Trust Receipt
MCR = Minimum Capital Requirement
MOU = Memorandum of Understanding
NPL = Non Performing Loan
PAD = Payment Against Document
PC = Packing Credit
PCR = Project Completion Report
RM = Relationship Manager
RO = Recovery Officer
RU = Recovery Unit
RWA = Risk Weighted Asset
SEZ = Special Economic Zone
SMA = Special Mention Account
SME = Small and Medium Enterprise
SRP = Supervisory Review Process
SS = Sub Standard
STD = Standard
ICAAP = Internal Capital Adequacy Assessment Plan
m–wPcÎ
µt bs welq c„ôv
Aa¨vq-1 e¨vsK cwiwPwZ
1.01 bvgKiY 01
1.02 cwiPvjbv cl©` 01
1.03 evsjv※`k K…wl e¨vsK wbe©vnx KwgwU 01
1.04 cl©` SzuwK e¨e¯’vcbv KwgwU 01
1.05 e¨e¯’vcbv mgš^q KwgwU 02
1.06 ※µwWU KwgwU 02
1.07 e¨vs※Ki D※Ïk¨ I Kvh©ixwZ 02
1.08 bxwZgvjv 02
1.09 e¨vsK FY cwiPvj※b cÖ※hvR¨ AvBb-Kvbyb 02
Aa¨vq-2 f–wgKv
2.01 m ~Pbv 03
2.02 g–j D※Ïk¨ 03
2.03 FY SuywKi msÁv 03
2.04 D”P I wb¤œ FY SzuwK e¨e¯’vcbvi wb※`©kK mg–n 04
2.05 wMÖb e¨vswKs (Green Banking) 06
2.06 cwi※ek SuywK e¨e¯’vcbv (Environmental Risk management) 06
2.07 K※c©v※iU dvBbvwÝs 07
2.08 K※c©v※iU A_©vq※bi c`※¶c 07
2.09 FY-AvgvbZ AbycvZ ( Advance Deposit Ratio) cwicvjb 07
2.10 GgIBD (MoU) cwicvjb 08
2.11 e¨v※mj-3 ev¯Íevqb 08
2.12 FY ※K›`ªxf–ZKiY SzuwK (Concentration Risk) 08
2.13 kw³kvjx FY Szu^wK e¨e¯’vcbv bxwZ (D”P I wb¤œ FY SuywKi †¶※Î) 08
2.14 mgq wfwËK F※Yi cÖKvi※f` 11
2.15 AMÖvwaKvicÖvß LvZ 11
2.16 wbi“rmvwnZ LvZ (Discouraged Business Types) 12
2.17 Credit Risk Grading System 12
2.18 F※Yi SuywKi gvÎvqb (Risk Grading) 13
2.19 GKwU ch©vß FY SuywK e¨e¯’vcbvi Rb¨ Ab¨vb¨ cÖ※qvRbxq Dcv`vb 14
Aa¨vq-3 FY SuywK e¨e ’vcbvi mvsMVwbK KvVv‡gv
3.01 cwiPvjbv cl©※`i Kvh©vejx 15
3.02 DaŸ©Zb e¨e¯’vcbv KZ©„c※¶i f–wgKv 15
3.03 FY SzuwK e¨e¯’vcbv KwgwUi Kvh©vejx 16
3.04 FY Kvh©µ※gi mvsMVwbK KvVv※gv 17
Aa¨vq-4 MVb cÖwµqvq FY SuywK e¨e¯’vcbv
4.01 m ~Pbv 18
4.02 FY Av※e`bKvixi †hvM¨Zv 18
4.03 D※`¨v³v evQvB 18
4.04 FY MÖnxZv※`i g–j¨vqb 19
4.05 SuywK wfwËK F※Yi g–j¨ wba©viY 20
4.06 Aby※gv`bKvix KZ©„c¶ 21
4.07 FY weZiY 23
4.08 FY Av※e`b dig 23
4.09 cÖwµqvKiY wd MÖnY 24
4.10 e¨w³ mswkó we※kl F※Yi †¶※Î 25
4.11 FY cÖ`v※bi wb※`©wkKvmg ~n 25
4.12 FY SuywK n«vm †KŠkj 25
Aa¨vq-5 FY SuywK cÖkg‡bi ‡KŠkj mg–n
5.01 FY SuywK cÖkgb 26
5.02 RvgvbZ 26
5.03 Z…Zxq c※¶i M¨vivw›U (Third Party Guarrentee) 27
5.04 K※c©v※iU M¨vivw›U 28
5.05 ※jvb wmwÛ※Kkb/ K¬ve dvBb¨vwÝs 28
5.06 e¨w³/cÖwZôvb/ MÖæc wmwšÍ‡Kkb FY mxgv 28
5.07 wmwÛ※Kkb 29
5.08 Lending Caps 30
5.09 K※c©v※iU dvBb¨vwÝs 30
5.10 miKvix wbðqZv 30
5.11 e¨vsK M¨vivw›U 30-34
Aa¨vq-6 cÖkvmwbK cÖwµqvq FY SuywK e¨e ’vcbv
6.01 FY MÖnxZvi d‡jv Avc Ges ms‡kvabxg~jK c`‡¶c 35
6.02 ¯^Zš¿ Af¨šÍixY FY ch©v‡jvPbv Ges FY SuywK †iwUs cwieZ©b 35
6.03 mgm¨vMÖ¯’ m¤c` mgqgZ wPwýZ KiY t 38
6.04 FY SuywK cwiPvjbvq cÖwfkb Gi f‚wgKv 39
Aa¨vq-7 FY SuywK e¨e ’vcbv Z_¨ c×wZ
7.01 FY SuywK e¨e¯’vcbvq h_vh_ e¨e ’vcbv Z_¨ c×wZ (MIS) 40
7.02 Booking Management Information System 40
7.03 †cvU©dwjI MIS 40
7.04 Segmentation of MIS 41
7.05 F※Yi cÖKvi, MÖvnK※`i cÖKvi, cÖK…wZ, †iwUs †MÖW, wkí ev †m±i Abyhvqx, Rvgvb※Zi aiY
Abyhvqx c„_K c„_K FY †K›`ªxKiY, `„wó※MvPi Kivi Rb¨ cÖ※qvRbxq WvUv/ Z_¨ msMÖnKiY
41
7.06 Periodic Stress Testing 42
7.07 FY bxwZ, KZ©„c¶, mxgv, cÖ※qvRbxq FY e„w×i mgš^qKi※Yi FY ¶wZ wba©viY gvÎvi f–wgKv 42
Aa¨vq-8 mgm¨vMÖ ’ m¤c‡`i FY SuywK e¨e ’vcbv
8.01 FY MÖnxZvi mwnZ †hvMv※hvM 43
8.02 FY SuywK cwiPvjbv Kivi GKwU Dcvq wn※m※e cybtZdwmwjKi※Yi Dchy³Zv 43
8.03 FY SuywK e¨e¯’vcbvi/ FY SuywK cwiPvjbvi cš’v/ Dcvq wn※m※e cybM©V※bi Dchy³Zv 43
8.04 FY Av`vq 44
8.05 AvMvg mZ©KZv (Early Alert Process) 46
8.06 NPL ev †Ljvcx FY e¨e¯’vcbv 46
8.07 FY †kªwYKiY Ges ¯’wMZ my` (Interest Suspense) wnmvevqb 46
8.08 FY Av`v※q cyi¯‹vi I Drmvn cÖ`vb 47
8.09 FY Ae※jvcb, cybivwaKvi Ges RvgvbwZ m¤cwËi gvwjKvbvm¡Z¡ 47-50
cwiwkómg~nt
e¨vs※Ki wewfbœ cÖKvi `wjj `¯@v※e※R ÷¨v¤• wWDwUi nvi 51
cwiwkó -1 Letter of Acceptance 52
cwiwkó -2 Letter of Continuity 53
cwiwkó -3 A½xKvibvgv 54
cwiwkó -4 Revival Letter 55
cwiwkó -5 Deed of Agreement 56-57
cwiwkó -6 Agreement for Cash Credit (Hypothecation of Goods) 58-61
cwiwkó -7 Agreement for Cash Credit (Hypothecation of Debts & Assets) 62-64
cwiwkó -8 Letter of Disclaimer 65-66
cwiwkó -9 Letter of Undertaking by Company not to Create any Further Charge over
the property and assets including uncalled capital
67
cwiwkó -10 Form of Guarantee for Advances And Credits Generally (Bangladesh
Krishi Bank)
68-70
cwiwkó -11 Deed of Personal Guarantee 71-72
cwiwkó -12 Deed of Personal Joint Guarantee 73-74
cwiwkó -13 Tender Guarantee 75-76
cwiwkó -14 Performance Guarantee 77-78
cwiwkó -15 Annexure-1 (General Document for Documentation) 79-85
cwiwkó -16 Annexure-2 (Problem loan Details) 86-88
cwiwkó -17 General Environmental Due Diligence Check List 89-90
cwiwkó -18 Credit Risk Grading Score Sheet 91-100
cwiwkó -19 Guidelines On Internal Credit Risk Rating System For Banks 100-113
Aa¨vq t 1
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Kvh©vj※qi Dc-e¨e ‟vcbv cwiPvjKMY Ges gnve¨e ‟vcKMY GB KwgwUi m`m¨| cwiPvjbv cl©ý`i mwPe G KwgwUi
mwP※ei `vwqZ¡ cvjb K※ib| G KwgwU e¨vs※Ki cÖPwjZ bxwZgvjv I c×wZ wba©vi※Y ¸i“Z¡c‽Y© welqmg‽n I e¨vs※Ki
wbqš¿Y e¨e¯‟v m¤c※K© ch©v※jvPbv K※i _v※K Ges ˆ`bw›`b cÖv※qvwMK wel※q wm×všÍ cÖ`vb K※i| cÖ※qvR※b KwgwUi
mycvwik cwiPvjbv cl©※`i Aby※gv`※bi Rb¨ Dc¯‟vcb Kiv nq|
2
1.06t ‡µwWU KwgwU
e¨vsK KZ©‾K A_©vwqZ wKsev A_©vqb※hvM¨ cÖKímg‽※ni wecix※Z ýgqvw` FY, PjwZ g‽jab FY/bM` cuywR FY,
Ab¨vb¨ Avw_©K myweavw` (Gjwm, e¨vK Uz e¨vK Gjwm, wcwm, GjwUAvi, wjg, e¨vsK M¨vivw›U), weGgAviB FY, FY
cybtZdwmwjKiY, my` gIKzd, Ae※jvcb Ges mswk¬ó Ab¨ ýh ýKv※bv wel※q P‽ovšÍ wm×všÍ MÖn※Yi c‽※e© cÖ Íve mg‽※ni
Dci mycvwik/gZvgZ cÖ`v※bi Rb¨ cÖavb Kvh©vj※q GKwU ýµwWU KwgwU Kvh©Ki i※q※Q| e¨vs※Ki ýR¨ô Dc-e¨e ‟vcbv
cwiPvjK G KwgwUi mfvcwZ Ges cÖavb Kvh©vj※qi mKj Dc-e¨e ‟vcbv cwiPvjK I mKj gnve¨e¯‟vcK D³ KwgwUi
m`m¨| KwgwUi m`m¨ mwPe wn※m※e ýµwWU wefvM-1 Gi Dc-gnve¨e ‟vcK `vwqZ¡ cvjb K※ib| wefvMxq gnve¨e ‟vcK
I gyL¨ Av⁀wjK/Av⁀wjK e¨e ‟vcKM※Yi ¯^ ¯ gÄywi ¶gZvi AvIZvaxb mKj ai※bi bZzb FY cÖ Íve I ewa©ZKiY
cÖ Íve P‽ovšÍ wm×všÍ MÖn※Yi Rb¨ mswk¬ó Kvh©vj※qi ýµwWU KwgwU※Z Dc¯‟vcb Kiv n※q _v※K|
1.07t e¨vs‡Ki D‡Ïk¨ I Kvh©ixwZ
e¨vs※Ki Aa¨v※`k Abyhvqx hw`I e¨vsK Gi Kvh©ixwZ※Z e¨emvwqK `‾wóf½x Aej¤b K※i _v※K Z_vwc K…wl Ges
K…wlwfwËK Kg©Kv※Û kni I MÖvgxY GjvKvq wb※qvwRZ e¨w³e※M©i F※Yi Pvwn`v c‽iYB G e¨vs※Ki g‽j D※Ïk¨| K…wl
Drcv`b e‾w×mn K…wli mvwe©K Dbœqb, KzwUi wkí, GmGgB I Ab¨vb¨ K…wlwfwËK wk※íi Dbœqb Ges m※e©vcwi K…lK※`i
Av_©-mvgwRK DbœqbB nj evsjv※`k K…wl e¨vs※Ki Kvh©µ※gi gyL¨ D※Ïk¨| GQvovI miKvwi wm×všÍ I bxwZgvjv we※ePbv
K※i e¨vsK wewfbœ `vwi`ª we※gvPb I mvgwRK `vqe×Zv Kg ©m‽wP※Z FY weZiY K※i _v※K|
1.08t bxwZgvjv
cwiPvjbv cl© e¨vs※Ki e¨emv cwiPvjbvq ¶z`ª, cÖvwš@K I eM©vPvlxmn mKj Kw…l Kg©Kv※Ûi F※Yi
cÖ※qvRbxqZvi Dci AMÖvwaKvi cÖ`vb K※i _v※K| G QvovI K…wl wfwËK wkí, K…wl cY¨ wecYb, ¸`vgRvZKiY,
cÖwµqvRvZKiY, ˆe※`wkK evwYR¨ I Ab¨vb¨ Avqea©K Kg©KvÛ m¤cÖmvi※Y e¨vsK ¸i“Z¡c‽Y© f‽wgKv cvjb K※i _v※K|
miKvi Ges evsjv※`k e¨vsK KZ©‾K mg※q mg※q RvwiK…Z wb※`©kbv e¨vs※Ki bxwZ wba©vi※Y gyL¨ f‽wgKv cvjb K※i _v※K|
1.09t e¨vsK FY cwiPvj‡b cÖ‡hvR¨ AvBb-Kvbyb t
evsjv※`k K…wl e¨vsK cwiPvjbvq ý`※ki wbgœewY©Z AvBbKvbyb I wewagvjv (Law, Act, Order &
Regulation) cÖ※hvR¨ n※e t
K. evsjv※`k K…wl e¨vsK Av※`k, 1973;
L. evsjv※`k K…wl e¨vsK i“jm&, 1983;
M. evsjv※`k K…wl e¨vsK (Kg©KZ©v/Kg©Pvix) cÖweavbgvjv, 2008;
N. cvewjK wWgvÛ wiKfvix G¨v±, 1913;
O. Zvgvw` AvBb, 1908;
P. ýiwR※ó«kb G¨v±, 1908;
Q. e¨vswKs ýKv¤cvbx AvBb, 1991;
R. evsjv※`k e¨vsK Av※`k, 1972;
S. ýKv¤cvwb AvBb, 1994 ;
T. n¯ÍvšÍi ※hvM¨ `wjj AvBb, 1881;
U. Pzw³ AvBb, 1872;
V. m¤úwË n¯ÍvšÍi AvBb, 1882;
W. ý`Dwjqv AvBb, 1997;
X. A_© FY Av`vjZ AvBb, 2003;
Y. gvwb jÛvwis AvBb, 2012;
Z. mš¿vm we※ivax AvBb, 2012;
_. GQvov ý`※ki cÖPwjZ mswk¬ó AvBb, miKvwi Av※`k I wb※ ©k Ges evsjv※`k e¨vs※Ki wb※`©kbv Ges
ms※kvabx e¨vsK Kvh©µ※gi ý¶※Î cÖ※hvR¨ n※e|
3
Aa¨vq t-2
f‚wgKv
2.01t m‚Pbv
µgea©gvb ‣ewk¦K Avw_©K msK‡Ui Kvi‡Y AvšÍR©vwZK gvb wbqš¿YKvix ms¯’v Ges RvZxq KZ…©c¶ (A_© gš¿Yvjq,
evsjv‡`k e¨vsK) e¨vsK e¨e ’v wb‡q Zv‡`i cÖZ¨vkv wPwýZKiY, ms‡kvab I cybtg‚j¨vqb Kivi D‡Ï‡k¨ FY SuywK
e¨e ’vcbvi wb‡`©wkKv cÖYq‡b ¸iæZ¡v‡ivc K‡i‡Q, hvi gva¨‡g e¨vsK mg‚n Zv‡`i FY SzuwKi cwigvc, wbix¶Y, we‡klY I
wbqš¿Y Ki‡Z cvi‡e| AvšÍR©vwZK gvb m¤cbœ Kvh©Kix e¨vswKs mycviwfkb Kivi j‡¶¨ e¨v‡mj KwgwU KZ„©K RvixK…Z g‚j
bxwZ¸‡jvi ( we‡kl K‡i 17, 18, 19 I 20 bs bxwZ) mv‡_ mvgÄm¨ †i‡L Ges evsjv‡`k e¨vs‡Ki Credit Risk
Management MvBWjvB‡bi wb‡`©kbv Abyhvqx evsjv‡`k K…wl e¨vsK FY SuywK e¨e ’vcbv MvBWjvBb •Zwi Kiv n‡q‡Q|
GB MvBWjvB‡bi gva¨‡g e¨vs‡Ki cwiPvjKe„„›`, DaŸ©Zb wbe©vnx Kg©KZ©vMY Ges mKj ͇ii Kg©KZ©v-Kg©Pvixe„›` FY
bxwZgvjvi mv‡_ wbweofv‡e cwiwPZ n‡Z cvi‡e Ges FY SuywK e¨e¯’vcbvq Zv cÖ‡qvM Ki‡Z cvi‡e|
2.02t g‚j D‡Ïk¨
G MvBWjvB‡bi g‚j D‡Ïk¨ n‡”Qt
1. GKwU myôz I kw³kvjx FY e¨e¯‟vcbv MVb|
2. DbœZ FY SuywK e¨e¯‟vcbv MVb|
3. Revew`wnZvg‽jK Kvh©vejx wefvRb I m¤cv`※bi wbŤqZv weavb|
4. evsjv※`※k MÖnY※hvM¨ me©※kl e¨vswKs myweav PvjyKiY|
5. ¶wZ n«vmKiY|
6. ¯^qsm¤c‽Y© I wbf©i※hvM¨ Z_¨ cÖhyw³ e¨e¯‟v PvjyKiY|
7. wek^vqb, gy³ evRvi A_©bxwZ, ýK›`ªxf‽ZKiY ýiva, ga¨m¡Z¡※fvMx eR©b, RvZxq I AvšÍ©RvwZK
ch©v※q MÖnY※hvM¨ FY e¨e¯‟vcbv MVb|
8. MÖnY※hvM¨ gvÎvq gybvdv AR©b|
9. Kvh©Ki FYbxwZ cÖYqb|
10 FY †K›`ªxf~Z nIqv †ivaKiY|
2.03t FY SuywKi msÁv
K. SuywK t mvaviYZ fwel¨※Z cÖZ¨vwkZ NUbv NUvi m¤ÿve¨ AwbŤqZv※K SuywK e※j|
L. FY SuywK t FY MÖnxZv (Counter party) KZ©‾K kZ© ýgvZv※eK mKj `vq (my`, Avmj I
Ab¨vb¨ PvR©) cwi※kv※ai ý¶※Î m¤ÿve¨ AwbŤqZv※K FY SuywK e※j|
M. FY SuywK e¨e¯’vcbvt e¨vs‡Ki FY †cvU©‡dvwjIi mwVK e¨e¯’vcbvi gva¨‡g ¶wZ n«vm K‡i
Avkvbyiƒc gybvdv AR©b wbwðZKiY‡K FY SuywK e¨e¯’vcbv e‡j| Kvh©Ki FY SuywK e¨e¯’vcbvi g~j
Dcv`vb n‡jv- FY SuywK wPwýZKiY, cwigvcKiY, n«vmKiY Ges cwiexÿY|
N. F‡Yi SuywK D™¢‡ei m¤¢ve¨ KviY t
GKwU e¨vs‡Ki FYMÖnxZv hLb Zvi eva¨evaKZv/ kZ©vejx Pzw³ Abyhvqx c~iY Ki‡Z e¨_© nq ZLbB m¤¢ve¨ FY SzuwKi
D™¢e nq| hvi d‡j e¨vs‡Ki g~jab I gybvdvi Dci GKwU †bwZevPK cÖfve c‡o|
1.mvaviYZ FY SzuwKi me‡P‡q eo Ges my¯úó Drm n‡jv FY I AwMÖg| FY SzuwK Ab e¨v‡jÝ wkU I Ad
e¨v‡jÝ wkU ( †hgb- M¨v‡iw›U) n‡Z m„wó nq| GwU FY MÖwnZvi cÖvK cÖwZkÖæwZe× Pzw³ cvj‡b AÿgZv ev Zvi cÖvK
cÖwZkÖæwZe× Pzw³ cvj‡b Awb”Qv n‡Z m„wó nq| FY SzuwK GKwU e¨vs‡Ki e¨w³MZ FY, †QvU ev gvSvix AvKv‡ii D‡`¨vM
(GmGgB), K‡c©v‡iU K¬v‡q›U, Ab¨vb¨ e¨vsK I Avw_©K cÖwZôvb ev GKwU ¯^vaxb mve©‡f․g Ae¯’v n‡Z D™¢e n‡Z cv‡i|
4
2.hLb GKwU e¨vsK GKwU FY m„wó ev c~‡e©i FYwU ewa©ZKiY K‡i, ZLbB GKvwaK m¤¢ve¨ FY SzuwK †`Lv
w`‡Z cv‡i| hLb †Kvb FY MÖwnZv mgqg‡Zv Pzw³ Abyhvqx mgy`q UvKv cwi‡kva Ki‡Z e¨_© nq ZLbB FY SzuwKi D™¢e
nq, ‡gqv`x F‡Yi †ÿ‡Î Pzw³ Abyhvqx mgqg‡Zv †Kvb wKw¯Í cwi‡kva Ki‡Z e¨_© n‡j Zv †kÖYxK…Z F‡Y cwiYZ nq|
ZvQvov ‡`q Zvwi‡Li g‡a¨ cwi‡kva bv K‡i cieZ©x‡Z F‡Yi UvKv mgy`q cwi‡kva Kiv, wKw Íi UvKv AvswkK cwi‡kva
Kivi d‡jI FY SzuwKi D™¢e nq|
3.FY kãwU FY SzuwK e¨e¯’vcbv m¤úwK©Z wefvM¸‡jv‡Z GKRb MÖvnK ev GKwU MÖæc MÖvn‡Ki Rb¨ e¨envi Kiv
n‡q‡Q| e¨vs‡Ki F‡Yi †ÿ‡Î wewfbœ ai‡bi †jb‡`b, Ad-e¨vjvÝwkU ‡jb‡`b e¨vs‡Ki FY SzuwK m„wó K‡i Ges G mKj
†jb‡`‡bi †ÿ‡Î GB mKj wb‡`©wkKv h_vh_ wnmv‡e KvR K‡i|
4. GKwU F‡Yi GKvwaK Aw¯ÍZ¡ ‡`Lv w`‡j ev GKwU FY hLb cÖ‡qvRb e¨ZxZ ewa©Z Kiv nq ZLb GB SzuwKi
m„wó nq|
5. cÖvK…wZK `~‡hv©M (U‡b©‡Wv, wmWi, AvBjv, f‚wgK¤c, Liv, eb¨v, mvB‡K¬vb, R‡jv”Q¦vm BZ¨vw` cÖvK…wZK
`y‡hv©‡Mi Kvi‡Y) FY SzuwKi m„wó nq|
6. †`‡ki ivR‣bwZK Aw¯’iZv/Aw¯’wZkxjZv, †`‡ki A_©‣bwZK g›`v, g‚j¨ùxwZ BZ¨vw`I FY SuywK m„wói
Ab¨Zg KviY|
7. F‡Yi cÖv°jb cÖ‡qvR‡bi Zzjbvq A‡bK Kg/‡ekx n‡jI F‡Yi SuywK †e‡o hvq|
8. h_vmg‡q mwVKfv‡e FY weZwiZ bv n‡j FY SuywK †e‡o hvq|
9. mgv‡Ri cÖfvekvjx/ivR‣bwZK cÖfve/miKvwi n¯Í‡¶c I Amr †kªYxi gvby‡li n¯Í‡¶‡ci Kvi‡Y G SuywKi
D™¢e nq|
10. mvBevi Avµg‡Yi d‡jI FY SzuwKi m„wó nq|
2.04t D”P I wb¤œ FY SzuwK e¨e¯’vcbvi wb‡`©kKmg~n t
FY SuywK mvaviYZ c„_K c„_K GKK F‡Yi Rb¨ Abygvb Kiv nq| †h‡nZz e¨vsK wewfbœ Lv‡Z FY cÖ`vb K‡i _v‡K,
†m‡nZz e¨vsK wewfbœ cÖKvi FY SzuwKi m¤§yLxb nq| wewfbœ ai‡bi F‡Yi SzuwK wewfbœ nIqvi Kvi‡Y mvgwMÖKfv‡e e¨vs‡Ki
Rb¨ FY SzuwK Abygvb Kiv KóKi| GQvov wewfbœ cÖKvi F‡Yi SzuwK cwigvc Kivi c×wZI wfbœ wfbœ| ZvB evsjv‡`k
K…wl e¨vs‡Ki g‡Zv GKwU e„nr Avw_©K cÖwZôv‡bi cwigvYMZ I ¸bMZ F‡Yi wfbœZvi Kvi‡Y FY SuywK e¨e ’vcbv cwigvc
I g~j¨vqb GKwU RwUj welq| wb‡¤œ evsjv‡`k K…wl e¨vs‡Ki FY SuywK cwigv‡ci wKQz wb‡`©kK †`qv n‡jvt-
(K) D”P FY SzuwKi wb‡`©kK mg~n (Indicators of high credit risk)t
1. †gvU m¤c` Ges BKz¨wqwU g~ja‡bi Zzjbvq F‡Yi cwigvY †ewk;
2. e¨vs‡Ki FY e„w×i nvi RvZxq MwZaviv/cÖZ¨vkv ev Abyiƒc e¨vs‡Ki Zzjbvq †ewk ;
3. FY e„w×i cwiKíbv bv _vKv A_ev cwiKwíZ j¶¨gvÎvi †ekx weZiY Kiv I DaŸ©Zb KZ©„c¶ Ges kvLv
e¨e ’vcK/Kg©KZ©v KZ©„K FY cÖ`vb Kvh©µg Ae¨vnZ ivLv ;
4. FY Ges AwMÖg †_‡K cÖvß my` I wd‡mi Dci e¨vs‡Ki Avq A‡bKvs‡k wbf©ikxj nIqv ;
5. D”P e¨qhy³ FYmg~n wi¯‥ I wiUv‡b©i g‡a¨ fvimvg¨nxbZv m„wó Kiv ;
6. e¨vsK KZ©„K GK ev GKvwaK wbw`©ó †¶‡Î AwaK cwigv‡Y FY cÖ`vb Kivi d‡j
Af¨šÍixY FYmxgv AwZµg Kiv ;
7. SuywKi gvb`Û we‡ePbv bv K‡i D`vifv‡e we`¨gvb F‡Yi cvkvcvwk ewa©Z Kje‡i bZzb FY cÖ`vb Ki‡j ;
8. FY bxwZ AbymiY bv K‡i FY cÖ`v‡bi nvi e„w× Kiv;
9. e¨vs‡Ki FY †cvU©‡dvwjI ‡Z gvÎvwZwi³ †kÖYxK…Z FY (msL¨v I cwigv‡Y) _vKv;
5
10. e¨vs‡K we`¨gvb A‡kÖYxK…Z FY Ges GmGgG F‡Yi Af¨šÍixY nvi µgvš^‡q n«vm †c‡q wb¤œgyLx nIqv;
11. ‡kÖYxK…Z F‡Yi AwaKvskB m‡›`nRbK ev g›` I ¶wZ F‡Y cwiYZ nIqv;
12. cÖ‡qvRbxq wbqgbxwZi Av‡jv‡K RvgvbwZ m¤c` MÖnY bv K‡i D`vifv‡e MÖnY Kiv A_ev i¶Ykxj „wó‡Z
RvgvbZ MÖnY Ki‡jI cÖ‡qvRbxq wewa weavb bv gvbv;
13. RvgvbwZ m¤cwËi g~j¨ cÖvqkt h_v_© bv nIqvmn cÖ‡qvRbxq `wjjcÎ MÖnY bv Kiv Ges F‡Yi myi¶v Rb¨
RvgvbZ Ach©vß n‡j;
14. F‡Yi Rvgvb‡Zi †¶‡Î Nb Nb RvgvbZ cwieZ©b Kiv, Am¤c~Y© `wjjvqb Ges FY cwi‡kva mgqm~wP
`xN©‡gqv`x Kiv|
15. cybtZdwmwjKiY I cybM©wVZ F‡Yi †¶‡Î wbqg wkw_jKiv Ges G mKj F‡Yi wi‡cvwU©s Gi †¶‡Î fyj-ÎæwU
cwijw¶Z nIqv Ges ¯^”QZvi †¶‡Î KZ…©c¶‡K AÜKv‡i ivLv|
16. PjwZ g~jab /wmwm F‡Yi Pµvqb mwVK fv‡e bv nIqv/wKw¯Í mwVK mg‡q Av`vq bv nIqv|
(L) wb¤œ FY SzuwKi wb‡`©kK mg~n (Indicators of low credit risk)t
1. FY Kvh©µ‡g Pµ Abycw¯’Z Ges e¯‘MZ welqmg~n wØavwšZ|
2. ‡K․kjMZ Ges e¨emvwqK cwiKíbvq F‡Yi SzuwK D`vigvÎvq MÖn‡Yi †¶‡Î Drmvn cÖ`vb|
3. Avq e„w× Kivi j‡¶¨ SzuwKc~Y© cwiKíbv‡K cÖvavb¨ †`qv|
4. h‡_ó KviY ev cix¶v wbix¶v Qvov e¨vsK KZ©„K bZzb Lv‡Z/c‡Y¨ wewb‡qvM Kiv;
5. FY e¨e¯’vcbvq wb‡qvwRZ Kg©KZ©v‡`i `¶Zv I AwfÁZvi Afve|
6. FY e¨e¯’vcbv cÖwµqvq FY cÖ`vb,Z`viwK A_ev mgm¨vMÖ¯Í F‡Yi †¶‡Î `vwqZ¡‡eva Ges Revew`wnZv my¯có
bv _vKv|
7. e¨vsK KZ©„K †K›`ªxf~Z FY mbv³Ki‡Y e¨_©Zv Ges †K›`ªxf‚Z FY n«vm ev SzuwK n«v‡mi †¶‡Î †Kv‡bv c`‡¶c
MÖnY bv Kiv|
8. ¶wZc~iY KvVv‡gv‡Z F‡Yi ¸bMZ gv‡bi Zzjbvq cwigv‡Yi Dci AwaK ¸iæZ¡ cÖ`vb|
9. ¸bMZ gvb m¤cbœ FY cÖ`v‡bi Rb¨ †Kv‡bv cÖkvmwbK eva¨evaKZv †bB|
10. FY cÖ`vb I FY Av`v‡qi †¶‡Î Kg©x‡`i `¶Zvi Afve|
11. FY bxwZ‡Z GK ev GKvwaK RvqMvq A¯cóZv Av‡Q Ges Zv ms‡kva‡b †Kv‡bv e¨e¯’v MÖnY bv Kiv | F‡Yi
D‡Ïk¨, FY SzuwK mnbkxjZv, FY dqmvjv I SzuwK wba©vi‡Yi ‡¶‡Î gvb`‡Ûi Afve|
12. FY we‡kølY Kivi †¶‡Î ch©vß `¶Zvi Afve, F‡Yi Ach©vß FY we‡køl‡Yi d‡j cÖavb cÖavb SzuwKmg~n
D‡cw¶Z nq|
13. FY SuzwK ‡iwUs I mgm¨vMÖ¯’ /Problem FYmg~n ch©v‡jvPbv bv Kiv| FY SuzwK ‡iwUs DbœwZi cÖ‡qvR‡b
mgm¨vMÖ¯’ FY mwVKfv‡e I h_vmg‡q mbv³KiY nq bv d‡j FY weeiYx‡Z mwVK Z_¨ DÌvwcZ nq bv |
14. evsjv‡`k K…wl e¨vs‡Ki SuzwK ‡iwUs, evsjv‡`k e¨vs‡Ki SuzwK ‡iwUs †_‡K evievi wePz¨wZ N‡U| GgbwK FY
†kÖwYweb¨vm c×wZi †¶‡ÎI wePz¨wZ N‡U |
15. g¨v‡bR‡g›U Bbdi‡gkb wm‡÷gm (MIS) cÖ‡qvR‡bi Zzjbvq NvUwZ _vKv| Z_¨MZ fzj-åvwšÍI SzuwK msµvšÍ
Z_¨ Am¤c~Y© _vKvi Kvi‡Y cl© I DaŸ©Zb KZ©„c¶ mwVK wm×všÍ, F‡Yi we‡kølY Ges F‡Yi SzuwK ‡cÖvdvBj
eyS‡Z cv‡i bv|
16. km¨ FYmn mKj cÖKvi FY cÖ`v‡bi †¶‡Î ivR‣bwZK cÖfve we`¨gvb _vKv |
6
2.05t wMÖb e¨vswKs (Green Banking)t
wMÖb e¨vswKs n‡”Q e¨vswKs Kvh©µ‡gi meyRvqb| cwi‡ek evÜe e¨vswKs Abykxjb Ges cwi‡ek myiÿvq RvZxq I
AvšÍR©vwZK ch©v‡q M„nxZ wewfbœ Kvh©µ‡g mwµq AskMÖnY wMÖb e¨vswKs Gi g~j welq|
cwi‡ek `~lY I Rjevq~ cwieZ©bRwbZ Kvi‡Y we‡k^i cwi‡ek eZ©gv‡b ûgwKi m¤§yLxb| eZ©gvb †cÖ¶vc‡U cwi‡ek evÜe
e¨vswKs e¨e¯’v cÖeZ©b I Abykxjb wMÖb e¨vswKs (Green Banking) Gi AvIZvf‚³|
Rjevq~ cwieZ©b, evq~ `~lb, cvwb `~lY, Mªxb nvDR M¨vm wbtmiY e„w× BZ¨vw` Kvi‡Y we‡k¦i cwi‡ek eZ©gv‡b gvivZœK
ûgwKi m¤§yLxb| evsjv‡`k cÖvK„wZK ~‡hv©Mc~b© †`k¸‡jvi g‡a¨ Ab¨Zg | cwi‡ek I mgvR‡K iÿvi welqwU‡K
AMÖvwaKvi w`‡q cwi‡ek evÜe A_©vq‡b hZœkxj n‡Z n‡e| cwi‡e‡ki Rb¨ ÿwZKi Kg©KvÛ‡K cwinvi K‡i
`vwqZ¡kxjZvi mv‡_ e¨vs‡Ki m¤ú`‡K e¨envi Kiv wMÖb e¨vswKs Gi GKwU Ask|
weAviwcwW mvKy©jvi †jUvi bs-BRPD (P-1)/760/2 (Green Banking)/2011-32 ZvwiL 05 Rvbyqvix 2011 Gi
gva¨‡g evsjv‡`k e¨vsK KZ©„K cÖ`Ë wMÖb e¨vswKs MvBWjvBb †gvZv‡eK cwi‡ek evÜe cÖK‡í A_©vqb Ki‡Z n‡e Ges
cÖK‡í A_©vq‡bi †ÿ‡Î BwUwc ¯’vcbmn cwi‡ek Awa`߇ii Ab¨vb¨ AvBbKvbyb †g‡b Pjv Ges cwi‡ek Awa`߇ii
QvocÎ MÖnY wbwðZ Ki‡Z n‡e|
2.06t cwi‡ek SuywK e¨e ’vcbv (Environmental Risk management)t
we‡k^i cÖvK…wZK cwi‡ek µgvMZ ~wlZ n‡”Q| cÖvK…wZK cwi‡ek iÿvmn wek‡K m¤¢ve¨ cÖvK…wZK wech©q n‡Z i¶v Kivi
Rb¨ cwi‡ek evÜe cÖK‡í wewb‡qvM DrmvwnZKiY Ges cwi‡ekMZfv‡e SuywKc~Y© †m±‡i FY cÖ`v‡bi †¶‡Î h_vh_ SuywK
e¨e ’vcbv wbwðZKiY|
evsjv‡`k cÖvK…wZK cwi‡ek µgvMZ ~wlZ n‡”Q| †`‡ki cÖvK„wZK cwi‡ek iÿvmn wek¦‡K m¤¢ve¨ cÖvK„wZK wech©q n‡Z
iÿv Ki‡Z h_vh_ cwi‡ek SuywK e¨e¯’vcbv wbwðZ Ki‡Z n‡e| cwi‡ek evÜe wkí/e¨emvq wewb‡qvM‡K AMÖvwaKvi
†`Iqv n‡e | cwi‡ekMZfv‡e SuywKc~b© †m±‡i FY cÖ`v‡bi †ÿ‡Î h_vh_ cwi‡ek SuywK e¨e¯’vcbv †hgb cwi‡ek
Awa`߇ii QvocÎ MÖnY, BwUwc ¯’vcb BZ¨vw` wbwðZ Ki‡Z n‡e| cÖvK„wZK Ae¯’v, `~lY, `~‡h ©vM BZ¨vw` n‡Z m„ó ÿwZ
c~i‡Yi Rb¨ cÖ‡qvRb‡ev‡a BÝy¨‡iÝ Kfv‡iR MÖnb Kiv †h‡Z cv‡i| FY cÖ¯Íve g~j¨vq‡b FY SuywKi mv‡_ mv‡_ cwi‡ek
SuywK‡KI we‡ePbv Ki‡Z n‡e|
Environmental Risk Grading F‡Yi SzuwK wbY©‡qi Rb¨ Credit Risk Grading System e¨env‡ii cvkvcvwk
cÖKíwU cwi‡e‡ki Rb¨ ÿwZKi wKbv Zv wbY©‡qi Rb¨ Environmental Risk Grading (ERG) Ki‡Z n‡e|
GmGgB F‡Yi †¶‡Î 25.00 j¶¨ UvKvi D‡aŸ© Ges Ab¨vb¨ F‡Yi †¶‡Î 1.00 †KvwU UvKvi D‡aŸ © FY cÖ Íve †cÖiYKv‡j
evsjv‡`k e¨vsK KZ©„K cÖ`Ë Environmental Risk Management (ERM) Gi wbqgvejx AbymiYc~e©K
Gbfvqib‡g›Uvj wi¯‥ †MÖwWs (ERG) Ki‡Z n‡e|
evsjv‡`k e¨vsK KZ©„K cÖ`Ë Gbfvqib‡g›Uvj wi¯‥ †MÖwWs (ERG) G †cvwëª, †WBix, wm‡g›U, K¨vwg‡Kjm, c¨vw÷mvBW,
dvg©vwmwUK¨vjm, BwÄwbqvwis Ges e¨vwmK †gUvj, Avevmb, cví Ges †ccvi, myMvi Ges wWw÷jvix, U¨vbvix, †U·UvBj
Ges Gcv‡ijm, wkc †eªwKs †m±i wfwËK dig¨vU †`qv Av‡Q Ges †Kvb FY †Km D³ †m±‡ii evB‡i n‡j Zvi Rb¨
GKwU †Rbv‡ij dig¨vU †`qv Av‡Q|
7
Environmental Risk Grading t
F※Yi SzuwK wbY©※qi Rb¨ Credit Risk Grading System e¨env※ii cvkvcvwk cÖKíwU cwi※e※ki Rb¨
¶wZKi wKbv Zv wbY©※qi Rb¨ Environmental Risk Grading Kiv n※”Q| evsjv※`k e¨vs※Ki wb※`©kbv Abyhvqx
cÖKí FY cÖ¯Íve g~j¨vqbKvjxb ýµwWU wi¯‹ ýMÖwWs (CRG) Gi cvkvcvwk GLb ý_※K GbfvqiY※g›Uvj wi¯‹ ýMÖwWs
(ERG) Ki※Z n※e| GmGgB F※Yi ý¶※Î 25.00 j¶ UvKvi E‡aŸ© Ges Ab¨vb¨ F※Yi ý¶※Î 1.00 ýKvwU UvKvi
E‡aŸ© FY cÖ¯Íve ýcÖiYKv※j evsjv※`k e¨vsK KZ©‾K cÖ`Ë Environmental Risk Management (ERM) Gi
wbqgvejx AbymiYc~e ©K GbfvqiY※g›Uvj wi¯‹ ýMÖwWs (ERG) Ki※Z n※e| evsjv※`k e¨vsK KZ©‾K cÖ`Ë
GbfvqiY※g›Uvj wi¯‹ ýMÖwWs (Environmental Risk Grading) G ýcvwëª, ýWBix, wm※g›U, K¨vwg※Kjm,
c¨vw÷mvBW, dvg©vwmwUK¨vjm, BwÄwbqvwis I e¨vwmK ýgUvj, Avevmb, cví I ýccvi, myMvi I wWw÷jvix, U¨vbvix,
ýU‼UvBj I Gcv※ijm, wkc ýeªwKs ým±i wfwËK dig¨vU ý`qv Av※Q Ges ýKvb FY ýKm D³ ým±※ii evB※i n※j Zvi
Rb¨ GKwU ýRbv※ij dig¨v※U ý`qv Av※Q|
ýRbv※ij dig¨vUwU cwiwkó 17 ýZ ※`qv n※jv|
2.07t K‡c©v‡iU dvBb¨vwÝs
ýKvb ※Kv¤cvwb wKsev ýKvb wkí※Mvôx A_ev ýKvb K※c©v※ikb※K Zvi e¨emvwqK/evwYwR¨K Kvh©vw` cwiPvjbvi
Rb¨ ýKvb e¨vsK A_ev Avw_©K cÖwZôvb KZ©‾K ýh A_©vqb Kiv nq Zv※K K※cv©※iU dvBb¨vwťs bv※g AwfwnZ Kiv nq|
cÖ※Z¨K ýKv¤cvwb A_ev wkí ýMvôxi GKwU cwiPvjbv ýevW© _v※K hviv H ※Kv¤cvwbi mvwe©K e¨e ‟vcbv wbqš¿Y I
cwiPvjbv K※i|
2.08t K‡c©v‡iU A_©vq‡bi c`‡¶c
K※c©v※iU A_©vq※bi Gi Rb¨ wb¤œewY©Z welq¸wji cÖwZ `‾wó ivL※Z n※e Ges cÖ※qvRbxq c`※¶c wb※Z n※e t
1. m¤ÿvebvgq K※c©v※iU MÖvnKe‾※›`i ZvwjKv cÖ¯„Z Ki※Z n※e Ges A_©vq※bi Rb¨ m¤ÿvebvgq MÖvnK※K
hvPvB I wbe©vPb Ki※Z n※e;
2. A_©vq※bi c–※e© wbw`©ó G※RÛv cÖ¯„Z Ki※Z n※e;
3. Av※jvP¨m–wP wba©viY K※i K※c©v※iU MÖvnK※K Av※jvPbvi Rb¨ Avnevb Ki※Z n※e;
4. K※c©v※iU MÖvn※Ki F※Yi cÖK…wZ I F※Yi cÖ※qvRbxqZv m¤c※K© Rvb※Z n※e;
5. K※c©v※iU MÖvn※Ki F※Yi Pvwn`v ch©v※jvPbv I g–j¨vqb Ki※Z n※e;
6. ýh ai※Yi FY myweav MÖvnK※K cÖ`vb Kiv hvq Zv Zv※K Rvwb※q w`※Z n※e;
7. F※Yi cÖvK-ýhvM¨Zvi Rb¨ ýKv¤cvwbi e¨e ‟vcbv mybvg, g–jab, Avq, Z_¨ cÖhyw³, m¤c`, Zvij¨
Ges Z`viwK e¨e¯‟v fvjfv※e LwZ※q ý`L※Z n※e;
8. we※klfv※e `¶ Kg©KZ©v Øviv FY cÖ¯Íve g‽j¨vqb Kiv※Z n※e;
9. evwYwR¨Kfv※e jvfevb, A_©‿bwZKfv※e m¤ÿvebvgq Ges mvgvwRKfv※e KvswLZ FY cÖ¯Íve h_vh_
KZ©‾c¶ KZ©‾K Aby※gv`b I gÄywi cÖ`vb Ki※Z n※e;
10. e¨vs※Ki wbqggvwdK `wjjvqb I FY weZiY Ki※Z n※e|
2.09t FY AvgvbZ AbycvZ (Advance Deposit Ratio) cwicvjb
FY AvgvbZ AbycvZ (Advance Deposit Ratio) we※ePbv K※i FY gÄywi Kvh©µg cwiPvjbv Ki※Z n※e|
‡gvU AvgvbZ n‡Z GmGjAvi (SLR) eve` wba©vwiZ Ask ev` w`‡q FY AvgvbZ AbycvZ (ADR) wbY©q
Ki‡Z n‡e| evsjv‡`k e¨vsK KZ©„K wba©vwiZ GmGjAvi (SLR) Gi cwigvY 03 GwcÖj 2018 n‡Z 18.50% nIqvq
FY AvgvbZ AbycvZ (ADR)83.5t100| GmGjAvi (SLR) Gi nvi cwieZ©b n‡j †m Abyhvqx FY AvgvbZ
AbycvZI cwieZ©b n‡e|
8
2.10t GgIBD (MOU) cwicvjb
FY Kg©KvÛ cwiPvjbvi ※¶※Î evsjv※`k e¨vs※Ki mv※_ ¯^v¶wiZ ýg※gv※iÛg Ae AvÛvi†¨vwÛs (GgIBD) Gi
wb※`©kbv cwicvjb wbwŤZ Ki※Z n※e| cÖwZeQi ¯v¶wiZ ýg※gv※iÛg Ae AvÛvi†¨vwÛs (GgIBD) Gi kZ©mg‽n
cwicvj※bi j※¶¨ wb※`©kbv weÁwß I※qe ýgB※ji gva¨※g AewnZ Ki※Z n※e|
2.11t e¨v‡mj-3 ev¯Íevqb
evsjv※`k e¨vs※Ki weAviwcwW mvK©yjvi bs-18 ZvwiLt 21-12-2014 Gi gva¨※g evsjv※`k e¨vsK KZ©‾K wbD
K¨vwcUvj G※W※Kv※qwm ※d«gIqvK© AvÛvi e¨v※mj-3 cÖYqb Kiv n※q※Q| GwU SuywK wfwËK g‽jab ch©vßZv wbiƒcY msµvšÍ
MvBWjvBb| G MvBWjvBb Abyhvqx e¨vs※Ki mvgwMÖK wbivcËv I w¯‟wZkxjZvi Rb¨ wi¯‹ I※q※UW G¨v※mU Gi Kgc※¶
11.25% K¨vwcUvj msi¶Y Ki※Z n※e, hv 2019 mv※ji wW※m¤^i gv※m 12.50% G `vuov※e| FY Kvh©µ※gi gva¨※g
wi¯‹ I※q※UW G¨v※mU Gi cwigvY hv※Z me©wb¤œ ch©v※q ivLv hvq ýmw`※K j¶¨ ivL※Z n※e| fvj ýµwWU ýiwUs m¤cbœ
MÖvnK※`i ý¶※Î wi¯‹ I※q※UR Zzjbvg‽jKfv※e Kg wba©viY Kiv n※q※Q|
2.12t FY ‡K›`ªxf–ZKiY SzuwK (Concentration Risk)
ýKv※bv e¨vs※Ki cÖkvmwbK bxwZ I c‾_K FY c×wZ mwµq _vKv m※Ë¡I H e¨vs※Ki FY SzuwK e¨e¯‟vcbv D”P ev
wbgœ gv※bi n※Z cv※i hw` ýewkifvM FY ýK›`ªxf‽Z nq| FY ýK›`ªxf‽Z SzuwK wb※¤œv³ Kvi※Y n※Z cv※i 1. hLb ýKv※bv
e¨vs※Ki ýewkifvM wewb※qvM ev mKj wewb※qvM GKK ev GKvwaK e¨w³ ev mË¡v ev ým±※i ev GKB Instrument G
e¨envi Kiv nq| ※K›`ªxf‽Z FY LvZwU g›`vq cwiYZ n※j e¨vsKwUi g‽jab wecyj cwigvY ¶wZi m¤§yLxb n※e, GgbwK
e¨vsK ûgwKi gy※L co※Z cv※i hv e¨vs※Ki g‽j Kvh©µg m¤cv`※b weNœ NUvq| evsjv※`k K…wl e¨vs※Ki AwaKvsk FYB
ýK›`ªxf‽Z (km¨ LvZ) weavq G e¨vsKwU D”P FY SuywK※Z i※q※Q| wb¤œwjwLZ ýK›`ªxf‽Z FY SzuwK LvZ n※Z e¨vsK※K
mZK© _vK※Z n※et
1. LvZ Iqvix FY (Sector wise exposure)|
2. A⁀j wfwËK FY (※fŠ※MvwjK wfwË※Z)|
3. MÖ“c wfwËK FY (wbw`©ó cwigvY UvKvi wfwË※Z)|
4. GKK FY MÖnxZvi FY mxgvi wfwË※Z (wbw`©ó cwigvY UvKvi wfwË※Z)|
5. kxl© FY MÖnxZv※`i ZvwjKvi wfwË※Z (kxl© 1-50 FY MÖnxZv※K MYbv Ki※Z n※e)|
e¨vsK Zvi mKj F※Yi m¤ÿve¨ ýK›`ªxf‽※Zi Af¨šÍixY mxgv wba©viY Ki※e| Af¨šÍixY mxgv wba©viY Ki※Z wM※q hw`
FY ýcvU©※dvwjI Gi GKwU e‾nr Ask GKwU Lv※Z ýK›`ªxf‽Z nq Zvn※j H Lv※Z F※Yi cwigvY Kgv※Z n※e ev g‽ja※bi
cwigvY D※jL※hvM¨ nv※i evov※Z n※e ev Dfq K※g©i GKwU mswgkªY NUv※Z n※e| ivóªvqZ¡ GKwU we※klvwqZ e¨vsK
wn※m※e evsjv※`k K…wl e¨vs※Ki m¤c~Y© g –jab miKvi KZ©‾K cÖ`Ë weavq ýK›`ªxf–Z FY (kl¨ LvZ) cÖ`v※b e¨vsKwUi
eva¨evaKZv i※q※Q|
2.13t kw³kvjx FY SuywK e¨e ’vcbv bxwZ (D”P I wb¤œ FY SuywKi †¶‡Î)
cÖwZwU e¨vs‡Ki FY bxwZ _vK‡jI cÖK…Zc‡¶ GKwU ¸bMZ gvb m¤cbœ FY SzuwK e¨e ’vcbv bxwZI _vKv cÖ‡qvRb hv FY
SzuwK wbqš¿‡Y mnvqK n‡e| FY SzuwK e¨e¯’vcbv bxwZi ewa©Z ms¯‥i‡Y FY bxwZi cÖwZwU welq wek` weeiYmn D‡jøL
_vK‡e| FY SzuwK e¨e¯’vcbv bxwZ eQi wfwËK cwiPvjbv cl©‡`i Aby‡gv`b mv‡c‡¶ nvjbvMv` Ki‡Z n‡e|
1) Risk Appetite Statement ‣Zwi Ki‡Z n‡e Ges eQi wfwËK nvjbvMv` K‡i mevB‡K Rvbv‡Z n‡e|
Limits on loan types, Borrower type, Rating Rate, Industry or Economic Sector e¨vs‡Ki FY
†cvU©‡dvwjI‡K 8 wU Lv‡Z I 37 wU DcLv‡Z wef³ Ki‡Z n‡e, mv‡_ mv‡_ Industrial Loan ‡K 12 wU Dc-
Lv‡Z wef³ K‡i mKj Lv‡Z FY †`Iqvi e¨e¯’v MÖnY Ki‡Z n‡e|
9
1. SzuwK enb¶gZv weeiYx (Risk appetite statement)
G weeiYxi gva¨※g GKwU e¨vsK Zvi mKj Kvh©µ※g wK cwigvY SyuwK enb Ki※e ev wK cwigvY SuywK enb Ki※Z
B”QzK Ges SuywK enb Kivi d※j e¨vs※Ki mvgwMªK Kg©Kv※Ûi Dci wK wK cÖfve co※e Zv AvgvbZKvix, FYMÖnxZv,
※†K ýnvìvi, wbqš¿YKvix KZ…©c¶ mn※R Abygvb Ki※Z cv※i|
GKwU kw³kvjx FY SzuwK e¨e ‟vcbv bxwZ mwVK SzuwK enb¶gZv weeiYx (Risk appetite statement) w`※q
ïi“ nq| SzuwK enb¶gZv weeiYx Aek¨B cwiPvjbv cl© mfv KZ©‾K Aby※gvw`Z n※Z n※e I Zv FY bxwZ※Z AšÍf©y³
Ki※Z n※e Ges mswkó KZ©‾c¶※K AeMZ Ki※Z n※e| GB weeiYxwU Aek¨B ¸bMZ Ges cwigvYMZ Dfq gva¨※g
cÖKvk Ki※Z n※e Ges G※¶※Î mKj kZ©mg–n, ýjb※`b I djvdj we※ePbvq Avb※Z n※e| G weeiYxwU※Z e¨vs※Ki
gybvdv, g~jab I Zvi※j¨i Dci m¤ÿve¨ cÖfvemg~n wee‾Z n※e Ges Zv Aek¨B e¨vs※Ki ýKŠkjMZ Ges e¨emvwqK
cwiKíbvi mv※_ mvgÄm¨c~Y© n※e| FY SzuwK enY Kivi ý¶※Î G weeiYxwUi gva¨※g e¨vs※Ki Ad e¨v※jť kxU
AvB※Ugmn (Letter of credit and Guarantee) mKj Lv※Zi FY c※Y¨i Stress Testing Gi gva¨※g me©vwaK
¶wZi cwigvY wbY©q Kiv nq| e¨vs※Ki me©wb¤œ cÖZ¨vwkZ ¶wZi cwigvY wbwŤZ Ki※Z n※e, hv※Z e¨vsK wb¤œ FY SuywK
MÖnY K※i wb¤œ Avq wbwŤZ Ki※Z cv※i|
(K) Risk appetite statement G wb※gœv³ welqvw` Aek¨B AšÍfz©³ _vK※Z n※e, Z※e G¸※jv※ZB mxgve× _vKv
hv※e bvt
1. wkí wfwËK Lv※Z FY ýK›`ªxf‽ZKiY|
2. cY¨ wfwËK dv※ÛW F※Y ýK›`ªxf–ZKiY (G※¶※Î ýgqv`x FY, ga¨※gqv`x FY, Pvwn`v FY I
Pjgvb F※Yi mswgkªY n※e )
3. cY¨ wfwËK bb dv※ÛW F※Y ýK›`ªxf–ZKiY (G※¶※Î e¨vsK M¨v※iw›U, ¯^xK…wZcÎ BZ¨vw`i
mswgkªY n※e)|
4. ※fŠMwjK GjvKv wfwËK, ‿e※`wkK gy`ªv wfwËK Ges ýgqv`Kvj/cwicþZvwfwËK FY ýK›`ªxf–
ZKiY|
5. e¨emvi ※mM※g›U wfwËK ýK›` ªxf~ZKiY (K※c©v※iU, GmGgB, wi※UBj, gvB※µv-ýµwWU, KvW©
BZ¨vw`)
6. Af¨šÍixY/ewnivMZ ýµwWU ýiwUs wfwËK FY MÖnxZv※`i ýK›`ªxf–ZKiY |
7. cwi※ekMZ Ges mvgvwRK gh©v`vi Kvi※Y nvB ýi※UW FY MÖnxZv m※ev©”PKiY|
8. FY ýcvU©※dvwjI Gi ýkÖYxK…Z nv※ii wfwË※Z ýK›`ªxf–ZKiY|
(L) F※Yi cÖKvi※f`, FY MÖnxZvi cÖKvi※f`, ýiwUs ýMÖW Ges wkí ev A_©‿bwZK Lv※Zi Dci mxgv wba©viYt
Dchy©³ wel※q ※µwWU ýcvU©※dvwjI'i m¤ÿve¨ mKj LvZ/Dc-Lv※Zi ýK› ªxKi※Yi mxgv wba©viY Kiv FY SzuwK
e¨e ‟vcbvi GKwU Acwinvh© KvR| G※¶※Î, me©cÖ_g KvR n※jv e¨vs※Ki m¤c~Y© FY ýcvU©※dvwjI※K wb※¤œv³ LvZ/ Dc-
Lv※Z fvM Kivt
1. K…wl, grm¨ I ebvqb|
2. wkíLvZ|
3. wkí F※Yi cÖK…wZt
K. ýgqv`x FY;
L. PjwZ g~jab FY;
i. ※hvM¨ RvgvbZ Øviv myiw¶Z FY;
ii. ※hvM¨ RvgvbZ Qvov Ab¨vb¨ myiw¶Z FY;
M. wkí FY ýcvU※©dvwjIi cÖKvi※f`;
i. e‾nr wkí;
ii. ※QvU, gvSvwi, KzwUi I gvB※µv wkí;
iii. ※mev wkí;
10
4. e¨emvwqK FY t
K. LyPiv ýUªwWs;
L. cvBKvwi ýUªwWs;
M. ißvwb evwYR¨;
N. Avg`vwb evwYR¨;
O. wjR dvBb¨vÝ;
P. Ab¨vb¨t
i. ※hvM¨ RvgvbZ Øviv myiw¶Z FY;
ii. ※hvM¨ RvgvbZ Qvov Ab¨vb¨ myiw¶Z FY|
5. wbgv©Y wkí (evwYwR¨K, wi※qj ※†U, wbg©vY Ges f‚wg Dbœqb FY) t
K. AvevwmK wi※qj ý†U;
L. evwYwR¨K wi※qj ý†U;
M. AeKvVv※gv Dbœqb;
N. Ab¨vb¨t
i. ※hvM¨ RvgvbZ Øviv myiw¶Z FY;
ii. ※hvM¨ RvgvbZ Qvov Ab¨vb¨ myiw¶Z FY|
6. cwienY t
K. moK cwienY;
L. ※bŠ cwienY;
M. wegvb cwienY|
7. KbRy¨gvi (ýfv³v) A_©vqb t
K. d¬¨vU ev Ab¨ GKK cwievi emevmKvix※`i evwo ýKbvi Rb¨ FY;
L. e¨w³MZ ýgvUi PvwjZ cwienY ýKbvi Rb¨ FY;
M. ýUKmB ýfvM¨cY¨ ýKbvi Rb¨ FY;
N. ※µwWU Kv※W©i wecix※Z FY;
O. Ab¨vb¨ e¨w³MZ FY|
8. Avw_©K cÖwZôv※b FY cÖ`vb t
K. e¨vsK ewnf –©Z Avw_©K cÖwZôvb※K FY cÖ`vb;
L. exgv ýKv¤cvbx※K FY cÖ`vb;
M. gv※P©›U e¨vsK Ges ýeªvKv※iR nvDR※K FY cÖ`vb;
N. gvB※µv wdb¨vť (¶y`ª FY cÖ`vbKvix) cÖwZôvbmn GbwRI Ges Ab¨vb¨ Avw_©K cÖwZôvb※K FY cÖ`vb|
9. wewea|
cÖm½µ※g D※jL¨, Dc※iv³ LvZ/Dc-Lv※Zi g※a¨ evsjv※`k K…wl e¨vs※Ki D※Ïk¨ aviv I miKvwi wb※`©kvbyhvqx ýgvU
F※Yi 60% dmj Lv※Z (1bs LvZ) Aewkó 40% F※Yi wmsnfvM 02 ý_※K 04 b¤^i Lv※Z Ges 5bs µwg※Ki wbg©vY
wkí 6bs µwg※Ki cwienb, 7bs µwg※Ki KbRy¨gvi (ýfv³v) A_©vqb, 8bs µwg※Ki Avw_©K cÖwZôv※b A_©vqb Lv※Zi
g※a¨ eZ©gv※b ïaygvÎ KwZcq DcLv※Z ýhgbt UªvK/cwienb, ýfvM¨cY¨ FY, gvB※µvwdb¨vť cÖwZôvb/GbwRI BZ¨vw`
Lv※Z mvgwMÖK ýjvb ýcvU©dwjIÒi Zzjbvq mxwgZ AvKv※i FY cÖ`v※bi mxgv wba©vwiZ i※q※Q|
Dch©y³ ýkÖYxe×Ki※Y ※`Lv hvq e¨vs※Ki FY mg–n※K ýgvU 32 wU c‾_K wefv※M wef³ Kiv n※q※Q| ※K›`ªxKi※Yi mxgv,
tier-1 g‚jab msi¶※Yi cwi※cÖw¶※Z Dch©y³ mKj LvZ/DcLvZ※K AviI me©wb¤œ ¶z`ª DcLv※Z wef³ Kiv DwPZ Ges
Zv ý_※K Dc※ii w`※K N–Y©vqgvb n※q m※e©v”P ch©v※q ※c uŠQv※e|
11
Dciš‘ 2 bs µwg※K ewY©Z wkí FY※K wfbœ fv※eI wef³ Kiv hvq| G›UvicÖvBR I FY wfwËK fvM bv K※i ※`※ki
A_©‿bwZK Lv※Zi Dci g※bvwb※ek K※i wkí FY※K wb※gœv³ AMÖvwaKv※ii wfwË※Z fvM Kiv ýh※Z cv※i t
K. ‿Zwi ýcvkvK wkí
L. e¯¿ wkí
M. Lv`¨ I Avbylw½K wkí
N. Jla wkí
O. ivmvqwbK mvi
P. wm※g›U I wmivwgK wkí
Q. RvnvR wbg©vY wkí
R. RvnvR fv½v wkí
S. we`y¨r I M¨vm
T.Ab¨vb¨ Drcv`bKvix ev wbh©vm wkí
U. cwi※mev wkí
V. Ab¨vb¨
2.14t mgq wfwËK F‡Yi cÖKvi‡f`
ýKvb F※Yi A_© wewb※qv※Mi mgq n※Z Drcv`b ïi“ ch©šÍ mgq Ges D³ wewb※qvwRZ A_© n※Z AwZwi³ Av※qi
cwigv※Yi Dci wfwË K※i e¨vsK FY※K ¯^íýgqvw`, ga¨gýgqvw` Ges `xN©ýgqvw` wnmv※e fvM Kiv nq|
K. ¯í †gqvw` FYt mvaviYZ km¨ Drcv`b, K…wlRvZ cY¨, grm¨ Pvl, Mi“ ýgvUvZvRvKiY,
Av_©mvgvwRK Kg©KvÛ wecYb Ges Ab¨vb¨ Drcv`bg yLx Kvh©Kjv※ci Rb¨ ý`qv n※q _v※K| G
FY m※e©v”P 18 gv※mi g※a¨ cwi※kva※hvM¨|
L. ga¨g †gqvw` FYt mvaviYZ dj I dz※ji Pvl, grm¨ Pvl, cÖvYx m¤c`, ýmP I K…wl hš¿cvwZ,
MÖvgxY cwienb, gvSvix ai※Yi cÖKí BZ¨vw`i Rb¨ ga¨g ýgqv`x FY ý`qv n※q _v※K| G FY
18 gv※mi D※a© wKš„ 5 erm※ii g※a¨ cwi※kva Ki※Z nq|
M. `xN© †gqvw` FYt mvaviYZ D`¨vb Dbœqb, K…wlwfwËK wkí, K…wl RvZ Lvgvi, ißvwb※hvM¨ ªe¨vw`
Drcv`b, Pv evMvb Dbœqb, ivevi Pvl, BZ¨vw`i Rb¨ `xN© ýgqvw` FY ý`qv n※q _v※K| G F※Yi
e¨envi n※Z Avw_©K dj ýc※Z mvaviYZt ýewk mg※qi cÖ※qvRb nq| G FY cwi※kv※ai
mgqmxgv 5 erm※ii D※a© wba©viY Kiv nq, hv mvaviYZt cÖK※íi Avq Ges ýM※ókb mg※qi
Dci wfwË K※i w¯‟i Kiv nq|
FYMÖnxZv※`i cÖK…wZ, F※Yi cÖK…wZ Ges wkí F※Yi LvZwfwËK wefw³KiY Z_¨※K GKxf‽Z K※i mKj cÖ※qvRbxq Z_¨
cÖ`vb Ki※Z n※e| Avw_©K w¯‟wZkxjZv eRvq ivLvi Rb¨ weMZ K※qK eQ※ii Z_¨ mwbœ※ewkZ K※i Dc ‟vcb Ki※Z n※e|
2.15t AMÖvwaKvicÖvß LvZ
Lv`¨ wbivcËv I cywó wbwðZKi‡Yi j‡¶¨ km¨ FY weZiY e¨vs‡Ki m‡e©v”P AMÖvwaKvicÖvß LvZ| evsjv‡`k
e¨vs‡Ki evwl©K K…wl I cjøx FY bxwZgvjv I Kg©m~Px Abyhvqx †gvU K…wl I cjøx FY weZi‡Yi 60% km¨/dmj Lv‡Z,
10% grm¨ Lv‡Z Ges 10% cÖvwYm¤ú` Lv‡Z weZi‡Yi wb‡`©kbv i‡q‡Q| D³ Kg©m~wP‡Z Avg`vwb weKí km¨/dmj I
Ab¨vb¨ km¨ Lv‡Zi ZvwjKvmn bg©m/wbqgvPvi, FY weZiY I Av`vq/cwi‡kvam‚wP AbymiY Ki‡Z n‡e| km¨
eûg~LxKi‡Yi AvIZvq D”Pg~j¨ dmj, exR Drcv`b, wUm~¨KvjPvi, cvU Pvl, Rjevqy cwieZ©b dmj, ‡ikg, Zzjv, cvb,
gay, gvkiæg Pvl, bvm©vwi ¯’vcb, D`¨vbwfwËK dmj, gkjv RvZxq dmj, mewR Pvl, dzjPvl BZ¨vw` Lv‡Z e¨vsK
AMÖvwaKvi wfwˇZ A_©vqb Ki‡e| evrmwiK FY`vb Kg©m~wPi mv‡_ mvgÄm¨ ‡i‡L cÖwZwU Kg©m~wPi AvIZvq cÖwZwU km¨
FY weZi‡Yi cwigvY wba©viY Ki‡Z n‡e|
12
2.16t(K) wbi“rmvwnZ LvZ (Discouraged Business Types)
wb¤œwjwLZ LvZmg ~※n e¨vs※Ki FY cÖ`vb wbi“rmvwnZ Kiv n※q※Qt-
- mvgwiK mvR-miÄvg;
- D”P `vq m¤cbœ FY (Highly Leveraged);
- dUKv (Speculative) wewb‡qvM;
- jwMs (Logging), LwbR m¤c` AvniY m¤cwK©Z Kvh©µg, •bwZKZv I cwi‡e‡ki ¶wZKviK Kvh©µg;
- wmAvBwe (CIB) ‡Z weiƒc gšÍ‡e¨i FY MÖnxZv I †Ljvcx FY MÖnxZv;
- RvwZmsN KZ©„K wb‡lavÁv Av‡ivwcZ †`k;
- FY MÖnxZvi BKzBwU‡Z AskMÖn‡Yi Rb¨ FY;
- ‡nvwìs †Kv¤cvbx;
- FY MÖnY K‡i cwi‡kva Ki‡e Ggb †Kv¤cvbx‡Z weªR dvBb¨vwÝs;
- ZvQvov evsjv‡`k e¨vs‡Ki mv‡_ m¤úvw`Z MoU Abyhvqx Saturated sector mg~‡n|
2.17t Credit Risk Grading System
Credit Risk Grading Gi msÁv t Credit Risk Grading n‡jv c~e© wba©vwiZ gvÎvi (†¯‥j) Dci wfwË
K‡i GKwU †h․_ msÁvwqZ I cÖ`Ë FY †cvU©dwjIÕi Rb¨ AšÍwb©wnZ FY SzuwKi cÖwZdjb NUvq| ‡µwWU wi¯‥ †MÖwWs ev
wmAviwR FY SzuwK cwigvc Kivi GKwU nvwZqvi| Bnv mivmwi FY SzuwK e¨e¯’vcbvq KvR K‡i| Bnv e¨vs‡Ki FY SzuwK
wba©viY Ki‡Z mvnvh¨ K‡i| MÖvn‡Ki FY myweav Aby‡gv`‡bi c~‡e© I cieZ©x wm×všÍ wb‡Z mvnvh¨ K‡i| FY Aby‡gv`b
Kivi c~‡e© FYwU cÖ`vb Kiv e¨vs‡Ki Rb¨ SzuwKc~Y© wKbv Zv wm×všÍ wb‡Z mnvqZv K‡i| GwU e¨vsK ‡K wbivc` I mywbwðZ
Kivi Rb¨ Ges fvj wm×všÍ †bIqvi †ÿ‡Î mnvqZv K‡i| GB cÖwµqvwU F‡Yi mv‡_ m¤úwK©Z SzuwKmg~n mwVKfv‡e
cwiPvjbv Kiv I SzuwK n«vm Kivi †ÿ‡Î mnvqZv K‡i|
evsjv※`k e¨vsK cÖ`Ë CRGM Abyhvqx Risk Grading Kvh© m¤cv`※bi Rb¨ ýh mvsMVwbK KvVv※gv, F※Yi
cÖKvi I FY cÖwµqvKiY Kvh©cÖYvjx ý`qv n※q※Q Zv gyjZt K※c©v※iU e¨vswKs Gi Rb¨ AwaKZi cÖ※hvR¨| wKš„ evsjv※`k
K…wl e¨vsK evsjv※`※ki K…wlwfwËK A_©‿bwZK Dbœq※b wb※qvwRZ Ges G j※¶¨ ý`※ki Z…Yg–j ch©v※q ¶zz ª FY cÖ`vbB GB
e¨vs※Ki g‚j j¶¨| GQvovI GL※bv we※KweÕ※Z GKwU comprehensive IT system M※o I※Vwb| we※KweÕi F※Yi
msL¨vwaK¨, eZ©gv※b G ý¶※Î ch©vß cÖwkw¶Z Kg©KZ©vi Afve, gvV ch©v※qi mKj Í※i Kw¤cDUv※ii AcÖZzjZv BZ¨vw`i
Rb¨ D³ g¨vby※q※ji mKj w`K I di※gU¸wj AvcvZZt we※KweÕi Rb¨ ûeû Kvh©Ki Kiv m¤ÿe bq| GgZve ‟vq,
Kvh©c×wZi wewfbœZv I mvsMVwbK KvVv※gvi wekvjZvi Kvi※Y cÖ`Ë CRGM cwicvj※bi ※¶※Î g ~j j¶¨ I Av`k© wVK
※i※L g¨vby※qj ev¯Íevqb Kvh©µ※gi Aeqe we※KweÕi mv※_ mvgÄm¨ weavb K※i Zv ev¯Íevq※bi c`※¶c M‾nxZ n※q※Q|
we※KweÕi Rb¨ jvMmB CRG g¨vby※qj ˆZwi I ev¯Íevq※bi j¶¨bxq w`K¸wj n※jvt
1. Consumer financing, Small enterprise financing, short-term Agricultural and
micro credit Gi ýejvq GB CRG g¨vby※qj cÖ※hvR¨ bq|
2. 01/07/2006 ZvwiL n※Z 5.00 j¶ I Z`ya© (Small enterprise e¨ZxZ) mKj cÖKí FY Ges
wmwm FYvs※Ki Rb¨ GB g¨vby※qj Kvh©Ki n※e|
3. gvV Kvh©vjq I cÖavb Kvh©vjq n※Z gÄwyi cÖvß F※Yi ý¶※Î Pre-Sanction, Post-Sanction
Stage Dfq cÖKvi Grading e¨e ‟v Pvjy _vK※e|
4. B※Zvc ‚※e© Lending Risk Analysis (LRA) evwZj nIqvq eZ©gv※b CRG I ERG Kvh©Ki
_vK※e |
13
5. FY Av※e`b cÖwµqvKvix Kvh©vj※qi (Appraisal Officer/FY bw_ Dc¯‟vcbKvix Kg©KZ©v) mswkó
Kg©KZ©v cÖ※hvR¨ di※gU¸wj c~i※Yi gva¨※g CRG m¤cbœ Ki※e hv DaŸ©Zb Kg©KZ©v KZ…©K cixw¶Z
I mwVK e※j cÖZ¨vwqZ n※e|
6. CRG Kiv FY Av※e`b¸wj cieZ©x wm×v※š@i Rb¨ mswkó Kvh©vj※qi Credit Committee Gi
mfvq ýck Ki※Z n※e|
7. ýh※nZz 5.00 j¶ UvKvi D※aŸ© mKj cÖKí FY I wmwm F※Yi CRG Kiv n※e ým※nZz cÖ※qvRbxq
mKj Kvh©vj※qi mswkó Kg©KZ©v※`i G wel※q mg¨K aviYv cÖ`v※bi Rb¨ `ª“ZZg mg※qi g※a¨ h_vh_
cÖwk¶※Yi e¨e¯‟v wbwŤZ Ki※Z n※e|
8. CRGM ev¯Íevqbc~e ©K evsjv※`k e¨vsK※K Compliance Report ※cÖiY Ki※Z n※e|
2.18t F‡Yi SuywKi gvÎvqb (Risk Grading)
evsjv※`k e¨vs※Ki wW※m¤i 11, 2005 Zvwi※Li weAviwcwW mvKz©jvi bs-18 Gi wb※`©kbvi ýcÖw¶※Z evsjv※`k
e¨vsK cÖYxZ Credit Risk Grading Manual Gi w`K wb※ ©kbv Abyhvqx e¨vs※Ki cÖKí ev Íevqb wefv※Mi RyjvB 2,
2006 Zvwi※Li cwiKíbv I cwiPvjb cwicÎ bs-08/2006 Gi gva¨※g ýµwWU wi¯‹ ýMÖwWs g¨vby※qj-2006 cÖeZ©b Kiv
nq| D³ g¨vby※qjwU RyjvB 2, 2006 ZvwiL n※Z Consumer Financing, Small Enterprise, Short Term
Agricultural Credit Ges Micro Credit e¨ZxZ 5.00 j¶ UvKvI Z`yaŸ© mKj cÖKí I PjwZ gyjab/bM` F※Yi
ý¶※Î Kvh©Ki Kiv n※q※Q| FY Av※e`b MÖnYKvix Kvh©vj※qi mKj FY bw_ Dc¯‟vcbKvix/ g~j¨vqb Kg©KZ©v
(Appraisal Officer) D³ g¨vby※q※ji cÖ※hvR¨ di※gU¸※jv c~i※Yi gva¨※g CRG wbY©q Ki※e, hv mswkó EaŸ©Zb
Kg©KZ©v KZ…©K cixw¶Z I mwVK e※j cÖZ¨vwqZ n※e| CRG Kiv FY Av※e`b¸wj cieZ©x wm×v※šÍi Rb¨ mswkó
Kvh©vj※qi cÖ※hvR¨ ※¶※Î ýµwWU KwgwUi mfvq ýck Ki※Z n※e| F※Yi SuywKmg~n※K 8 wU ¯Í‡i ýkÖYxweb¨vwmZ Kiv
n※q※Q hv wb¤œiƒc t
µwgK bs ※MÖW SuywKi ýkªwY
1 DËg (Superior) Low Risk
2 fvj (Good) Satisfactory Risk
3 MÖnY※hvM¨ (Acceptable) Fair Risk
4 cÖvwšÍK (Marginal) Watch Risk
5 we※kl mZK©Zv (Special Mention) Management Risk
6 wb¤œgvb (Sub-Standard) High Financial Risk
7 m※›`nRbK (Doubtful) Near to Bad and Loss
8 ¶wZ (Bad) Loss
CRGM ev¯Íevqb c~e©K evsjv‡`k e¨vsK‡K Compliance Report ‡cÖiY Kiv n‡q _v‡K| F※Yi SuywKi gvÎvqb
(Risk Grading) Gi †iwUs †¯‥vi kxU (Score Sheet) wek` weeiYmn cwiwkó 18 †Z †`Lv‡bv n‡jv|
evsjv‡`k e¨vs‡Ki e¨vswKs cÖwewa I bxwZ wefv‡Mi 30 A‡±vei 2018 Zvwi‡Li mvKz©jvi bs 16 Gi wb‡`©kbv Abyhvqx 1
RyjvB 2019 mvj n‡Z Internal Credit Risk Rating System Gi g‡WjwU ev Íevqb wbwðZ Ki‡Z n‡e
(MvBWjvBbwU cwiwkó 19 †`Lv‡bv n‡jv)|
14
2.19t GKwU ch©vß FY SuywK e¨e¯’vcbvi Rb¨ Ab¨vb¨ cÖ‡qvRbxq Dcv`vb
cÖwZwU e¨vs‡KiB mvgwMÖK FY SuywK e¨e ’vcbvi Ask wn‡m‡e cwiPvjbv cl© KZ©„K Aby‡gvw`Z GKwU FY bxwZ
_vK‡Z n‡e| GB FY bxwZ‡Z AMÖvwaKv‡ii wfwˇZ e¨vs‡Ki e¨emv Dbœq‡bi GKwU iƒc‡iLv _vKv DwPZ Ges F‡Yi Rb¨
†hmKj kZ©mg~n _vKv DwPZ Zv cwiPvjbv cl©` KZ©„K Aby‡gvw`Z n‡Z n‡e| FY bxwZ‡K Aek¨B Af¨šÍixY I evwn¨K
Ae¯’vi cwieZ©‡bi mv‡_ mv‡_ mvgÄm¨c~Y©/nvjbvMv` Ki‡Z n‡e| FY bxwZ mdjfv‡e ev Íevqb Kivi Rb¨ e¨vs‡Ki
mKj ͇ii Kg©KZ©v‡`i g‡a¨ DËg †hvMv‡hvM ’vcb K‡i h_v‡cvhy³ c×wZi e¨venvi Ki‡Z n‡e| GB FY bxwZwU mKj
KZ©„c¶ I F‡Yi mv‡_ mswkøó Kg©KZ©v‡`i‡K AewnZ Ki‡Z n‡e| FY bxwZ‡Z †Kv‡bv wePz¨wZ ev ÎæwU †`Lv †M‡j Zv
mv‡_ mv‡_ DaŸ©Zb e¨e ’vcbv KZ©„c¶‡K ev cwiPvjbv cl© ‡K AewnZ Ki‡Z n‡e I ms‡kvabg~jK e¨e ’v MÖnY Ki‡Z
n‡e| FY bxwZ‡Z wb‡¤œv³ welqmg~n AšÍf©y³ _vK‡ZB n‡e t
K. we¯ÍvwiZ Ges wewae× FY g~j¨vqb/ g~j¨vqb c~e©vbygvb cÖwµqv|
L. F‡Yi DrcwË, cÖkvmb Ges `wjjvqb c×wZ|
M. AvbyôvwbK FY Aby‡gv`b cÖwµqv|
N. FY cÖ`v‡bi c×wZ Abyhvqx wba©vwiZ mxgv AwZµg bv Kiv Ges Ab¨vb¨ e¨wZµg‡K we‡ePbvq ‡i‡L
FY ewa©ZKi‡Yi Aby‡gv`b|
O. SuywK mbv³KiY, cwigvc, ch©‡e¶Y I wbqš¿Y|
P. evsjv‡`k e¨vs‡Ki bxwZ I cÖwewai mv‡_ wgj †i‡L Af¨šÍixY †iwUs wm‡÷‡gi cÖwZwU SzwuK †MÖ‡Wi
mxgv wba©viY I cwic~Y© msÁvwqZKiY |
Q. SuywK ¯^xK…wZ gvb`Û; e¨wZµgag©x Aby‡gv`bmn mKj FY Aby‡gv`‡bi Rb¨ mKj ¯Í‡i KZ©„c¶ Ges FY Kvh©µ‡gi mv‡_ RwoZ mKj Kg©KZ©v‡`i `vwqZ¡ wba©viY|
R. FY weZiY I e¨e¯’vcbvi mv‡_ RwoZ mKj Kg©KZ©v/Kg©Pvix‡`i `vwqZ¡ I f~wgKv ¯úóxKiY|
S. RvgvbwZ m¤cwËi cÖKvi, FY MÖnxZv‡`i aiY Ges †f․‡MvwjK Ae ’v‡bi Dci e¨vsK ‡h hv Av‡jvwKZ
Ki‡Z cv‡i Zvi Dci wfwË K‡i MÖnY‡hvM¨ I AMÖnY‡hvM¨ F‡Yi GB RvZxq myweav cÖ`vb Kiv nq|
T. m‡e©v”P Loan to Value (cª‡hvR¨ †¶‡Î) wba©vi‡Yi †¶‡Î mKj cÖKvi F‡Yi Rb¨ my¯có Ges
mywbw`©ó bxwZgvjv _vK‡Z n‡e|
U. GKK e¨w³, `j ev mshy³ `j¸‡jvi Mªyc, wbw`©ó wkí ev A_©‣bwZK AÂj, ‡f․‡MvwjK Ae ’vb Ges
wbw`©ó Drcvw`Z ªe¨/c‡Y¨i Dci wfwË K‡i †K›`ªxKiY mxgv wba©viY Ki‡Z n‡e| evsjv‡`k e¨vs‡Ki
wewa wb‡la ev wba©vwiZ mxgv AwZµg bv K‡i e¨vsK‡K Zvi Af¨šÍixY wb‡Ri FY mxgv wba©viY Ki‡Z
n‡e|
V. F‡Yi my`nvi wba©viY cÖwµqvq FY mg~n GKwU wbw`©ó my` nv‡i (Fixed Rate) ev fvmgvb my` nv‡i
(Floating Rate) gÄyi Ki‡Z n‡e| fvmgvb my` nvi cwieZ©‡bi †¶‡Î my‡`i nvi cwieZ©‡bi nvi
(wd«‡Kv‡qwÝ) Ges wbw`©ó mg‡q my‡`i (†idv‡i‡Ýi) nvi e¨envi Ki‡Z n‡e|
W. wbw`ó mg‡q (wd«‡Kv‡qwÝ) Ges wbqwgZfv‡e RvgvbwZ m¤cwË hvPvB Ges g~j¨ wba©vi‡Yi Rb¨ bxwZ
wba©viY|
X. m¤¢ve¨ ¶wZ I Ae‡jvc‡bi Rb¨ Aby‡gv`bKvix I cybtwe‡ePbv Kvix KZ©„c¶ KZ©„K Aby‡gv`b |
Y. wbqwgZ wbix¶Y I wi‡cvwU©s wm‡÷g Gi MvBWjvBb •ZwiKiY hv‡Z FY MÖnxZv‡`i d‡jvAvc Ges FY
cÖwµqvi j¶¨ AR©‡bi mv‡_ RwoZ mKj wb‡`©wkKv I wewfbœ Kjv †K․kj (g¨vKvwbRg) wbwðZ Kiv
hvq|
Z. mgm¨vMÖ¯Í FY e¨e¯’vcbvi wb‡`©wkKv|
_. FY cybt ZdwmwjKiY I cybM©Vb bxwZ gvjv |
`. h_vh_ wi‡cvwU©s cÖwµqv wbwðZ Kiv|
a. e¨wZµ‡gi mnbkxjZvi ¯Íi wba©viY |
15
Aa¨vq t-3
FY SuywK e¨e¯’vcbvi mvsMVwbK KvVv‡gv
3.01t cwiPvjbv cl©‡`i Kvh©vejxt
e¨vs‡Ki FY SuywK e¨e¯’vcbvq FY gÄywii g‡Zv cwiPvjbv cl©‡`i I ¸iæZ¡c –Y© f –wgKv Av‡Q| e¨vs‡Ki cwiPvjbv
cl©‡`i mvgwMÖK `vwqZ¡ n‡jv FY SuywK †K․kj Aby‡gv`b Ges FY SuywKi mv‡_ m¤cwK©Z bxwZgvjv cÖYqb I e¨e ’vcbv
wbwðZKiY| GB bxwZgvjv/†K․kj mvgwMÖK e¨emvwqK Kvh©Kjv‡ci Dci wfwË K‡i wb‡Z n‡e| GB bxwZgvjv¸‡jv mvwe©K
†K․kj wn‡m‡e cwiPvjbv cl©` KZ…©K wbqwgZ fv‡e c –btg –j¨vqb Ki‡Z n‡e| FY SuywK e¨e ’vcbvq cwiPvjbv cl©‡`i
`vwqZ¡ mg –‡ni g‡a¨ wb¤œ wjwLZ welqmg~n AšÍf–©³ Ki‡Z n‡et-
1. FY SuywK e¨e ’vcbvq h_v‡cvhy³ bxwZ, cwiKíbv I c×wZ AšÍf©–³ Ki‡Z n‡e| e¨vs†K
h_v‡cvhy³ †g․wjK bxwZgvjv cÖ‡qv‡Mi welqwU wbwðZ Ki‡Z n‡e|
2. FY SzuwKi mv‡_ m¤cK© ‡i‡L e¨vs‡Ki mvgwMÖK SuywKenb ¶gZv‡K mywbw`©ófv‡e msÁvwqZ Ki‡Z
n‡e|
3. SuywK e¨e ’vcbv Kvh©vejx m¤cv`b Kivi Rb¨ `¶Zv m¤cbœ Ges SuywK e¨e ’vcbv wel‡q
Ávbm¤cbœ †jvKej wb‡qvM Ki‡Z n‡e, hv‡Z kxl© e¨e ’vcbv KZ©„c¶ Zv‡`i Dci Av ’v ivL‡Z
cv‡i|
4. e¨vs‡Ki ¸iæZ¡c~Y© FY SuzwK mg –n‡K ~i`k©x ¯Íi (†j‡fj) ch©šÍ msi¶Y Ki‡Z n‡e Ges Zv g–
ja‡bi ch©vßZvi mv‡_ mvgÄm¨c‚Y© n‡Z n‡e |
5. FY †cvU©‡dvwjI Gi gvb I FY ¶wZi Rb¨ e¨vs‡Ki weavb Abyhvqx ch©vß cwigv‡Y cÖwfkb
ivLvi cÖeYZv‡K cyYwe©‡ePbv Kiv|
6. e¨vs‡Ki bxwZ I c×wZ e¨vs‡Ki Rb¨ ch©vß Ges mwVKfv‡e ev¯ÍevwqZ n‡”Q wKbv we‡kl K‡i
FY Kvh©µ‡gi †¶‡Î Zv Af¨šÍixY wbix¶v cÖwZ‡e`‡bi gva¨‡g wbwðZ Ki‡Z cv‡i|
7. cyYwe©‡ePbvaxb welqmg‚n Af¨šÍixY I Ab¨vb¨ mswkøó c¶‡K Ges bxwZ wba©vi‡Yi mv‡_ RwoZ
e¨w³‡`i wbKU cÖKvk Ki‡Z n‡e|
8. e¨vs‡Ki ¯§viKwjwc, e¨vs‡Ki AvBb I FY SuywK e¨e ’vcbvi bxwZ Øviv mxgve× we‡klfv‡e †h
mg Í F‡Yi wm×všÍ MÖnY †evW© KZ©„K Aby‡gvw`Z nq Zv ch©v‡jvPbv Kiv|
9. e¨e ’vcbv KZ©„c¶ KZ©„K Aby‡gvw`Z gvÎvwZwi³ FY¸‡jvi e¨e¯’vcbv I cÖfve m¤c‡K© m‡PZb
n‡Z n‡e|
10. FY SuywKi Dci cÖ¯‘ZK…Z e¨e ’vcbv wi‡cv‡U©i welqe¯‘ avivevwnKfv‡e cwiPvjbv cl©‡`
Dc ’vcb Ki‡Z n‡e|
3.02t DaŸ©Zb e¨e¯’vcbv KZ©„c‡¶i f –wgKv
DaŸ©Zb KZ©„c‡¶i `vwqZ¡ n‡jv ‡evW© KZ©„K wba©vwiZ †K․kjMZ w`K wb‡`©kbv¸‡jv bxwZ I c×wZ AvKv‡i mvK©yjvi
(iƒcvšÍi) K‡i gvV Kvh©vj‡qi gva¨‡g Zv m¤cv`b Kiv ev ev Íevqb Kiv| DaŸ©Zb KZ©„c¶ †h mg¯Í c×wZ MÖnY Ki‡eb
Zv e¨vs‡Ki cÖPwjZ wbqg/wewa/Kvh©µ‡gi mv‡_ mvgÄm¨c‚Y© n‡Z n‡e| e¨vs‡Ki FY SyuwK e¨e ’vcbv bxwZ I †K․kj
ev¯Íevqb Ges wbqš¿‡Yi Rb¨ †h c×wZ e¨envi Kiv n‡”Q Zvi Rb¨ DaŸ©Zb KZ©„c¶ `vqx _vK‡eb| LvZ wfwËK F‡Yi
cwigvY (FY †cvU©dwjI) FY SzuwK wbqš¿Y bxwZ mg –‡ni mv‡_ mvgÄm¨c~Y© n‡Z n‡e| FY SzuwK e¨e ’vcbv wel‡q DaŸ©Zb
KZ©„c‡¶i wb¤œwjwLZ `vwqZ¡ AšÍf©~³ _vK‡e t-
16
1. FY bxwZ I FY cÖkvmb DbœZ Kivi Rb¨ †ev‡W©i/ cl©‡`i Aby‡gv`‡bi cÖwµqvKiY|
2. GKwU Kvh©Ki FY SuzwK e¨e¯’vcbv cÖwµqv ev¯Íevq‡bi Rb¨ h_v_©fv‡e FY SzuwK e¨e¯’vcbv bxwZgvjv
MÖnY Ki‡Z n‡e |
3. Dchy³ wi‡cvwU©s wm‡÷g ev¯Íevqb mywbwðZ Kiv Ges Zvi Dbœqb NUv‡bv|
4. e¨vs‡Ki LvZ wfwËK F‡Yi cwigvY (FY †dvwjI, cÖK…wZ, GjvKv, cwigvY wfwËK) MVb I
Z`viwKKiY Ges wbqš¿Y|
5. LvZ wfwËK F‡Yi cwigvY (FY ‡cvU©†dvwjI) Gi gvb wbqš¿Y Ges FY ‡cvU©†dvwjIwU m¤c–Y©fv‡e
ev cysLvbycysLfv‡e g–j¨vqb Ki‡Z n‡e| FY ‡cvU©†dvwjIwU e¨vs‡Ki bxwZi mv‡_ m¤c–Y©fv‡e ev
cysLvbycysLfv‡e wgj _vK‡e Ges FY ‡cvU©†dvwjIwUi i¶YkxjZv wbwðZ Ki‡Z n‡e| FY
‡cvU©†dvwjIwU‡Z m¤¢ve¨ ¶wZ †gvKv‡ejvq ch©vß e¨e ’v _vK‡e|
6. ch©vß Af¨šÍixY wbqš¿Y e¨e¯’v ¯’vcb Ges Revew`wnZv I KZ©„‡Z¡i my¯có e¨vL¨v cÖ`vb|
7. FY SzuwK e¨e¯’vcbvi bxwZ, c×wZ I Ab¨vb¨ FY SzuwK e¨e¯’vcbvi Z_¨ h_vmg‡q F‡Yi mv‡_
m¤cwK©Z mKj Kg©x‡`i‡K Zvr¶wYKfv‡e Rvbv‡bvi Rb¨ ‡hvMv‡hv‡Mi gva¨g ‣Zwi Ki‡Z n‡e|
3.03 t FY SzuwK e¨e¯’vcbv KwgwUi Kvh©vejxt
cÖwZwU e¨vs‡Ki F‡Yi msL¨v I cwigv‡Yi Dci wbf©i K‡i GKwU SzuwK e¨e¯’vcbv KwgwU MVb Kiv DwPZ| FY
gnv wefv‡Mi gnve¨e ’vcK‡K mfvcwZ K‡i FY wefvM mg~‡ni Dcgnve¨e ’vcK, FY Av`vq wefv‡Mi Dcgnve¨e ’vcK,
SzuwK e¨e ’vcbv wefv‡Mi Dcgnve¨e ’vcK Ges †UªRvwi wefv‡Mi Dcgnve¨e ’vcK‡K m`m¨ K‡i GB KwgwU MVb Ki‡Z
n‡e| †µwWU wefvM-1 Gi Dcgnve¨e ’vcK GB KwgwUi m`m¨ mwPe wn‡m‡e `vwqZ¡ cvjb Ki‡eb| GB KwgwU cl©` SuywK
e¨e ’vcbv KwgwUi Kv‡Q wi‡cvU© Ki‡e| F‡Yi SzuwK e¨e ’vcbv Kvh©µg Ges mvgwMÖK F‡Yi SzuwK †`Lvïbv Kivi Rb¨
‡evW© KZ©„K ¶gZvcÖvß KwgwUi Kv‡Q wi‡cvU© Ki‡e| GB KwgwU wb¤œwjwLZ Kv‡h©i Rb¨ `vqx _vK‡e t
1. ‡evW© KZ©„K Aby‡gv`bK…Z FY SzuwKi bxwZ/‡K․kj ev¯Íevqb|
2. mgMÖ e¨vs‡Ki F‡Yi SzuwK ch©‡e¶Y Ges GB SzuwK cl© KZ©„K Aby‡gvw`Z mxgvi g‡a¨ i‡q‡Q wKbv Zv
wbwðZKiY|
3. FY cÖ¯Íve, Avw_©K Pzw³, ‡iwUs Gi Av`k©gvb I gvb m‡ev©”PKi‡Yi Rb¨ my¯có bxwZgvjv cl©‡`i wbKU
cÖ Íve Ki‡e Ges Aby‡gv`‡bi Rb¨ cÖ‡qvRbxq e¨e¯’v MÖnY Ki‡Z n‡e|
4. FY Aby‡gv`‡bi †¶‡Î Avw_©K ¶gZv wba©viY, e„n`vs‡Ki FY mxgv wba©viY, F‡Yi RvgvbwZ m¤cwËi
gvb wba©viY, FY ‡cvU©dwjI e¨e¯’vcbv, FY ch©v‡jvPbv cÖwµqv, SuywK †K›`ªxf‚ZKiY, SuywK ch©‡e¶Y I
g –j¨vqb, F‡Yi my` nvi wba©viY, cÖwfkwbs, wbqš¿YKvix ms¯’v, AvBbMZ wel‡q cwicvjb BZ¨vw`
wba©viY Ki‡e|
17
evsjv‡`k K…wl e¨vs‡Ki AM©v‡bvMÖvg ejer ‡i‡L FY Kvh©µ‡g `vq-`vwq‡Z¡i wfwˇZ mvsMVwbK KvVv‡gv wb¤œiƒc t-
evsjv‡`k K…wl e¨vs‡Ki FY Kvh©µ‡gi mvsMVwbK KvVv‡gv
cwiPvjbv cl©`
e¨e¯’vcbv cwiPvjK
Dc-e¨e¯’vcbv cwiPvjK-1 Dc-e¨e¯’vcbv cwiPvjK-2 Dc-e¨e¯’vcbv cwiPvjK-3
¯’vbxq gyL¨ Kvh©vjq gnve¨e¯’vcK FY (cÖavb Kvh©vjq)
Dc-gnve¨e¯‟vcK (F※Yi mv※_ mswkó wefvMmg~n)
gnve¨e¯’vcK (wefvMxq Kvh©vjq)
K‡c©v‡iU kvLv g~L¨ AvÂwjK/AvÂwjK e¨e¯‟vcK
kvLv e¨e ’vcK
18
Aa¨vq-04
MVb cÖwµqvq FY SuywK e¨e¯’vcbv
4.01t m~Pbv
GKwU FY cÖ`v†bi cÖwµqvi ïiæ n‡Z FY SuywK cÖwµqv ïiæ nq| FY cÖ`v‡bi cÖwµqvq A‡bK cwinvi‡hvM¨ f‚j nq hvi
d‡j D”PZi FY SuywK m„wó nq| F†Yi mv‡_ m¤úwK©Z Kg©KZ©vMY GKUz mveavbZv Aej¤^b Ki‡j GB SuywK n«vm Kiv
m¤¢e|
4.02t FY Av‡e`bKvixi †hvM¨Zv
e¨vsK FY ※c※Z n※j Av※e`bKvix※K wbgœwjwLZ kZ©¸wj Aek¨B c–iY Ki※Z n※e|
K. evsjv※`※ki bvMwiK n※Z n※e;
L. GKRb c‽Y© eq¯‹ e¨w³ n※Z n※e;
M. FY e¨env※ii ýhvM¨Zvmn FY cwi※kv※ai ¶gZv _vK※Z n※e Ges ýmB ms※M A_©‿bwZK AvPvi
AvPi※Y mybv※gi AwaKvix n※Z n※e;
N. e¨vs※Ki ýKv※bv Kg©KZ©v/Kg©Pvix※K h_vh_ KZ©‾c¶xq Aby※gv`b e¨wZ※iýK e¨emvwqK D※Ï※k¨
FY cÖ`vb Kiv hv※e bv;
O. e¨vs※Ki A_ev Ab¨ ýKv※bv e¨vs※Ki/Dbœqb Avw_©K cÖwZôv※bi ýKv※bv FY ýLjvcKvix e¨vsK FY
MÖn※Yi ýhvM¨ e※j we※ewPZ n※e bv, hw` bv ýKv※bv Dchy³ KZ©‾c¶ KZ©‾K Ab¨fv※e ýKv※bv kZ©
wkw_j Kiv nq;
P. ýKv※bv wjwg※UW ýKv¤cvwbi ýejvq ýKv¤cvwb※K R※q›U óK ýKv¤cvwbi ýiwRóvi KZ©‾K Aek¨B
ýiwRwó«K…Z n※Z n※e Ges FY MÖn※Yi e¨vcv※i ýKv¤cvwbi cwiPvjbv cl©※`i Aby※gv`b _vK※Z
n※e;
Q. mgevq mwgwZi ýejvq evsjv※`k mgevq mwgwZmg–※ni ýiwRóvi KZ©‾K Aek¨B ýiwRw†ªK…Z n※Z
n※e;
R. ýKv※bv wewae× ms¯‟vi ýejvq ýh Kg©m–wP/cÖK※íi Rb¨ F※Yi Av※e`b Kiv n※q※Q D³ Kg©m~wP
/cÖK※íi KvR myôzfv※e cwiPvjbvi Rb¨ cÖ※qvRbxq Ges `¶ Rbkw³ _vK※Z n※e;
S. ýKv※bv ý`Dwjqv e¨w³ e¨vsK F※Yi Rb¨ we※ewPZ n※eb bv; Ges
T.
U.
ýKv※bv D¤§v` ev Ro eyw×m¤cbœ e¨w³ e¨vsK F※Yi ýhvM¨ e※j we※ewPZ n※eb bv|
h_vh_ wewa AbymiY K※i cÖwZeÜx※`iýK FY ý`qv hv※e|
4.03t D‡`¨v³v evQvB
g›` ev Lvivc F※Yi SzuwK Gov※bv I Znwe※ji h_v_© e¨env※ii Rb¨ h_vh_ D※`¨v³v evQvB Acwinvh©| FY
cÖ Íve we※ePbvq D※`¨v³v wbe©vP※bi welq※K cÖavb¨ ý`Iqvi Rb¨ wb※gœ D※`¨v³v/FY Av※e`bKvixi ýhvM¨Zv, cwicvjbxq
kZ©vewj I D※`¨v³v wbe©vP※b KiYxq welq D※jL Kiv n※jv t
K. D※`¨v³vi ýhvM¨Zv t
(1) D※`¨v³vi Aek¨ RvZxq cwiPqcÎ _vK※Z n※e ;
(2) cÖvß eq¯‹, evsjv※`※ki bvMwiK, mr, mvnmx, D`¨gx, cwikÖgx n※Z n※e;
(3) mswkó wel※q ýckv`vix AwfÁZv, e¨e ‟vcbvq `¶, cÖ※qvRbxq g‽ja※bi AwaKvix, Avw_©K ¯^”QjZv,
FY cwi※kv※ai AbyK‽j g※bvfvevcbœ, KvwiMix I evRvi m¤cwK©Z Ávb m¤cbœ n※Z n※e;
(4) wkw¶Z/mswkó wel※q AwfÁ, m‾wóagx©, SzuwK en※b AvMÖnx, `–i`‾wó m¤cbœ wm×všÍ MÖn※Yi ¶gZv m¤cbœ
ýbZ…※Z¡i ¸Yvejxi AwaKvix n※Z n※e;
(5) FY e¨env※ii ýhvM¨Zvmn FY cwi※kv※ai ¶gZv _vK※Z n※e I ýmB mv※_ A_©‿bwZK AvPvi AvPi※Y
mybv※gi AwaKvix n※Z n※e; Ges
(6) ý`Dwjqv, D¤§v` ev Roeyw× m¤cbœ e¨w³ F※Yi Av※e`b Ki※Z cvi※eb bv|
19
4.04 t FY MÖnxZv‡`i g–j¨vqb
hLb GKRb FY MÖnxZv e¨vs※K hvq Ges FY Av※e`b cÖwµqvi KvR kyi“ K※i ZLbB FY SuywK e¨e¯‟vcbvi 1g
avc kyi“ nq| FY MÖnxZv g‽j¨vqb cÖwµqvq cÖ_g ※gŠwjK we※eP¨ welq n※jvt- FY MÖnxZvi FYwUi BwZnvm Ges D³ FY
cwi※kv※ai ¶gZv wn※m※e FY MÖnxZvi A_© cÖvwßi/ýhvMv※bi h※_ó m¤ÿvebv Av※Q wKbv Zv hvPvB Kiv hvi d※j H FYwUi
Dci e¨vsK ch©vß SuywK mgšqK…Z jv※fi nvi AR©b Ki※Z cv※i| AwZwi³ my` nvi Av※ivc FY MÖnxZvi Kv※Q
MÖnY※hvM¨ bvI n※Z cv※i ev e¨vsK KZ©‾K FY MÖnxZv※K ewa©Z cwigvY FY cÖ`vb Kiv m¤ÿe bvI n※Z cv※i |
1. Af¨šÍixY FY SuywKi ‡iwUs wm‡÷g
Af¨šÍixY FY SuywKi ※iwUs wm※†g G F※Yi ¸bMZ gv※bi Dci wfwË K※i mKj ai※Yi F※Yi ※kÖYxwefvM Kiv
DwPZ| e¨vs※Ki mKj ai※Yi F※Yi AvKvi, cÖK…wZ, e¨vsK Kvh©vejxi RwUjZvi Dci wbf©i K※i evsjv※`k e¨vs※Ki
wb※`©kbvi mv※_ m½wZc–Y© K※i evsjv※`k K…wl e¨vs※Ki mKj F※Yi mv※_ mvgÄm¨c‽Y© GKwU Af¨šÍixY FY SuywK ýiwUs
wm※†g ‿Zwi Kiv DwPZ| mKj F※Yi Rb¨ GKwU SuywK ýMÖW wba©viY Ki※Z n※e| SuywK ýMÖ※Wi ※Kvbiƒc AmsjMœZv n※j
Zv FY MÖnxZvi Dci Ges Ab¨vb¨ myweavmg –※ni Dci weiƒc cÖfve ýdj※e| ýiwUs wm※†g ýevW© KZ©‾K Aby※gvw`Z
n※Z n※e Ges GB wm※†※g Aek¨B wb¤œwjwLZ cwiwgwZ¸※jv (Parameters) _vK※ZB n※et-
K. Ad e¨v※jť kxU mn e¨vs※Ki mKj ai※Yi F※Yi G‼※cvRvi GKwU we¯Í…Z cwimi Ry※o Ave‾Z
Ki※Z n※e|
L. A※kªYxK…Z Ges ※kªYxK…Z Dfq cÖKvi FY※KB Ave‾Z Ki※Z n※e|
M. me©wb¤œ ýiwUs m¤cbœ FY, ýh FY¸※jv ¶wZ※Z cwiYZ n※q ※M※Q ým¸※jvmn wewfbœ ※MÖ※Wi
FY※K Ave‾Z Ki※Z n※e|
N. Gm Gg G FY mn A※kªYxK…Z mKj ※MÖ※Wi Risk Rating _vK※Z n※e|
O. FY wbqš¿Y ýkÖYxweY¨v※mi (Standard, SMA, SS, DF and BL ) SuywK ýiwUs wm※†※gi
g※a¨ AšÍfy ©³ Ki※Z n※e|
P. F※Yi SuywK g‽j¨vqb e¨e¯‟vwUi we¯—vwiZ weeiY FY bxwZ I c×wZ※Z D※jL _vK※Z n※e Ges
Zvi gvb DbœZ Ki※Yi Rb¨ F※Yi ýMÖW mg–n wbw`©ó mgq AšÍi AšÍi ch©v※jvPbv Ki※Z n※e|
2. ewnivMZ FY wba©viYKvix cÖwZôv‡bi f–wgKvt
e¨vs※Ki m¤ÿve¨ FYMÖnxZv※K Zvi FY cvIqvi ýhvM¨Zv we※kl※Y ewnivMZ FY wba©viYKvix cÖwZôvb cÖ※qvRbxq
Z_¨vejx (BbcyU) cÖ`vb K※i e¨vsK KZ©‾c¶※K FY we※kl※Y e¨vs※Ki cÖvwZôvwbK wPšÍvfvebvq mnvqZv K※i I FY
cÖ`v※bi e¨vcv※i GKwU my¯có gZvgZ evwn¨K FY g–j¨vqbKvix cÖwZôvb n※Z e¨vs※Ki FY Kg©KZ©v ýc※q _v※K, hvi d※j
FYMÖnxZv m¤c※K© e¨vsK GKwU fv※jv aviYv jvf Ki※Z cv※i| evsjv※`k e¨vsK KZ…©K ¯^xK…Z (FY SuywK e¨e¯‟vcbv bxwZ
I FY Ae※jLbKvix) ewnivMZ FY wba©viYKvix cÖwZôvb wn※m※e Kv※K wb※qvM ý`qv n※e Zv e¨vs※Ki cwiPvjbv cl©`
KZ©‾K wba©vwiZ n※e| wKš„ FYMÖnxZv※`i FY cvIqvi ýhvM¨Zv wba©vi※Y e¨vs※Ki wb※R¯^ g–j¨vq※bi Dci wbf©i Ki※Z
n※e|
3. wbw`©ó FYMÖnxZvi ¶gZv we‡klYt
fv※jv FY cÖ`v※bi wm×všÍ ýbIqvi c ~※e© e¨vsK Kg©KZ©v KZ©‾K Aek¨B FYMÖnxZvi RgvK…Z Avw_©K weeiYx
we※klY Ki※Z n※e| FY`vZv GKwU kw³kvjx SuywK e¨e¯‟vcbv bxwZ AbymiY Ki※e| GKRb Av※e`bKvixi FY ýhvM¨Zv
wbY©q Kivi Rb¨ FYMÖnxZvi eZ©gvb evwYwR¨K Kvh©µ※gi cÖv_wgK ¯Íi n※Z eZ©gvb Íi ch©šÍ ch©v※jvPbv Ki※Z n※e|
GQvovI eZ©gvb g~ja※bi ch©vßZv wba©viY I FY we※kl※Yi wbqg Kvbyb I bxwZgvjv cwicvjb Ges evsjv※`k e¨vs※Ki
wewa weavb ýg※b Pjvi ýhvM¨Zv Av※Q wKbv Zv ch©v※jvPbv Ki※Z n※e |
20
4. Avw_©K wee„wZ we‡klYt
GKRb FYMÖnxZvi FY cvIqvi ýhvM¨Zv wba©vi※Yi ý¶※Î, FY MªnxZvi Avw_©K wee‾wZ cysLvbycysLy we※kl※Yi
ýKv※bv weKí ýbB| ※Kv¤cvwbi w¯‟wZcÎ, Avq wee‾wZ, bM` cÖevn weeiYx I Avw_©K Abygvb FYMÖnxZvi FY cvIqvi
ýhvM¨Zv wba©viY I FY cwi※kva Kivi ¶gZv m¤c※K© aviYv cÖ`vb K※i| P~ovšÍ FY cÖ`vb Kivi ý¶※Î me※P※q ¸i“Z¡c ~Y©
welq n※jv FYMÖnxZvi cÖwZôv※bi `¶ e¨e¯‟vcbv| GKRb FY Kg©KZ©v※K cÖwZwU F※Yi Rb¨ Avjv`v Avjv`vfv※e
FYMÖnYKvix cÖwZôv※bi FY MÖnY Kivi ýhvM¨Zv, mZZv, GKvMÖZv Ges `¶Zv wba©vi※Y me©vwaK ýPóv Kiv DwPZ| GRb¨
H cÖwZôv※bi mv※_ m¤cwK©Z Kg©KZ©v-Kg©Pvix, MÖvnK※`i, cÖwZôv※bi KuvPvgvj mieivnKvix I cÖwZôv※bi mv※_
m¤cK©hy³ Ab¨vb¨※`i gva¨※g Know Your Customer (KYC) m¤c※K© wbwŤZ n※Z n※e| cÖwZwU e¨w³MZ ev
MÖ“※ci FY mxgv e¨vs※Ki AvBb ev evsjv※`k e¨vs※Ki cÖweavb Abyhvqx wba©viY Kiv DwPZ| FYMÖnxZvi FYMÖn※Yi ¶gZv,
FY MÖn※Yi g~j KviY, ý`※ki A_©‿bwZK Ae ‟v Ges e¨vs※Ki SuywK enb Kivi ¶gZvi Dci cÖwZôv※bi F※Yi mxgvi
AvKvi wbf©i K※i| FYmxgv wba©vi※Y wKQzw`b AšÍi AšÍi Kgc※¶ Aa©evwl©K wfwË※Z FYMÖnxZvi F※Yi gvb c~Y©we※ePbv
Ki※Z n※e hv※Z FYMÖnxZvi F※Yi gvb AebwZi w`※K bv hvq| mKj FYmxgv e‾w×i Aby※iva h_v※cvhy³ Kg©KZ©v KZ©‾K
hvPvB K※i ivL※Z n※e| FY`vZvi Avw_©K wee‾wZ we※kl※Y cÖavb cvPuwU Dcv`vb e¨envi Ki※Z n※e t-
1. Avq wee‾wZ
2. e¨v※jť kxU
3. PjwZ g~jab Ges ¯‟vqx m¤c※`i mgšqKiY|
4. ¸iæZ¡c~Y© AbycvZ mg ~n wba©viY (Trend Analysis, Comparative and
Commonsize Analysis, Sensitivity Analysis)
5. bM` cÖevn weeiYx|
Accrual basis G Avw_©K weeiYx ‿Zwi Ki※Z n※e ýhLv※b w¯‟wZcÎ Ges Avq-e¨q weeiYxi mv※_ bM` cÖevn
weeiYx mshy³ _vK※Z n※e| d※j FYMÖnxZv m¤c※K© GKwU m¤c ~Y© Avw_©K wPÎ cvIqv hv※e| hw`I Avw_©K weeiYxwU
mwVKfv※e Abykxjb Kiv AZ¨šÍ RwUj KvR Zey GwU mwVKfv※e Abykxjb Ki※j FYMÖnxZvi FY cwi※kva Kivi ¯^w`”Qv
cÖKvk cv※e|
4.05t SuywK wfwËK F‡Yi g–j¨ wba©viYt
1. FY g ~※j¨i eK ˆZwiKiYt
F※Yi g~j¨ wba©viY Kivi ý¶※Î e¨vs※Ki mKj LiP we※ePbvq Avb※Z n※e| cÖwZwU F※Yi ※gqv`Kvj we※ePbvmn
wb¤œwjwLZ welq¸※jv F※Yi g~j¨wba©vi※Yi ý¶※Î f~wgKv cvjb K※i _v※Kt-
K. Cost of Fund
L. Expected Loss
M. Cost of Allocated capital
N. Term Cost of liquidity
O. Cost of Liquid Asset Buffer
P. Loan Administration costs
Q. Competitive Margin
21
2. SuywK wfwËK FY g ~‡j¨i wbe©vwPZ Dcv`vb wba©viYt
SWAP ※iU, Wholesale ※iU (‿e※`wkK gy`ªv evRv※i SWAP ※iU I Wholesale ※iU n※jv
Borrowing/ Lending Gi ý¶※Î Money market interest rate) Zvij¨ eRvq ivLvi wcÖwgqvg Ges e‾nr F※Yi
g※Zv ýekwKQz Dcv`vb e¨vsK KZ©‾K Bmy¨K…Z F※Yi g~j¨ wba©vi※Y cÖfve ýd※j| ev¯Í‡e G Dcv`vb mg ~n wbY©q Kiv A※bK
KwVb| Z※e e¨vsK KZ©‾c¶ Avkv K※i ýh, GB mKj cÖ※qvRbxq Dcv`vb mg ~n Abygvb K※i Zv※`i aviYv ýgvZv※eK SuywK
wfwËK FY g ~j¨ wba©viY Ki※Z m¶g n※e|
4.06t Aby‡gv`bKvix KZ©„c¶ t
1. Aby※gv`bKvix KZ©‾c※¶i ýgŠwjK bxwZgvjv t
ýevW© KZ…©K Aby※gv`bµ※g Da©Zb KZ…©c¶, FY Kvh© wbe©vnx※`i Ávb Ges AwfÁZvi Dci wfwË K※i FY
gÄyi/Aby※gv`b ý`qvi ¶gZv Ac©Y Kiv Avek¨K| Aby※gv`bKvix KZ…©c¶ Aby※gv`※bi Revew`wnZv m¤c※K© e¨w³MZ
fv※e `vqe× _vK※e wKš„ KwgwU※K `vqx Kiv hv※e bv| F※Yi SuywK wba©viY, Aby※gv`b Ges n«vmKi※Yi wbwg※Ë
cÖ※qvRbxq e¨e¯‟v MÖn※Yi Rb¨ e¨vsK KZ©‾c¶ KZ…©K wKQz `¶ FY Kg©KZ©v※K wb※qvM Ki※Z n※e, hv※`i FY Kvh©µ※g
ch©vß Ávb, AwfÁZv Ges wm×v※šÍi e¨vcv※i ~i`k©xZv i※q※Q| e¨vs※Ki FY I Aby`vb cÖwµqvq wm×všÍ MÖnY Ges F※Yi
bg©m cwieZ ©※b hv※`i KZ©‾Z¡ i※q※Q Zv※`i※K Revew`wnZvi g※a¨ Avb※Z n※e| F※Yi Aby※gv`b ev gÄyi Kivi ý¶※Î
wb¤œwjwLZ wb※`©kvejx AbymiY Ki※Z n※e t
K) FY Aby※gv`bKvix KZ©‾c¶ wn※m※e ýK cªwZwbwaZ¡ Ki※eb Zv e¨e¯‟vcbv cwiPvjK KZ…©K wjwLZ
Aby※gv`b _vK※Z n※e (cÖ※hvR¨ ※¶※Î) Ges cl© KZ…©K Aby※gvw`Z n※Z n※e| FY SuywK
g¨vbyqv※j cªwZwbwa※Z¡i Kwc I Zv cÖvcK※`i Øviv ¯^xK…Z K※i msi¶Y Ki※Z n※e|
L) Aby※gvw`Z cªwZwbwaZ¡Kvix KZ©‾c¶※K cl© mfv KZ©‾K evwl©K wfwË※Z ch©v※jvPbv Ki※Z n※e|
M) FY Aby※gv`b Kvh©µg wecYb ev wi※jkbwkc g¨v※bR※g›U n※Z c‾_K n※Z n※e| GKB e¨w³i
nv※Z FY Aby※gv`b I wi※jkbwkc g¨v※bR※g›U Gi `vwqZ¡ Ac©Y Kiv hv※e bv |
N) ※µwWU KwgwUi f~wgKv n※e wewfbœ FY m¤cwK©Z cÖ Ív※ei ch©v※jvPbv Ges mvgwMÖK FY
※cvU©※dvwjI m¤c※K© mycvwik Kiv| GQvovI ※µwWU KwgwU cwicvjb I wbqš¿YKvix※`i
Pvwn`v ýgvZv※eK cÖ※qvRbxq `wjj-cÎvw` ch©v※jvPbv Ki※e|
O) Aby※gv`b Aek¨B wjwLZ n※Z n※e ev AbjvBb ¯v¶ihy³ n※Z n※e| Aby※gv`※bi ýiKW©
Aek¨B FY Av※e`b Gi mv※_ bw_fy³ ev dvB※j msi¶Y Ki※Z n※e|
P) ýevW© ev cÖavb wbe©vnx KZ©‾K cÖ`vbK…Z ¶gZvbyhvqx mswkó KZ©©©‾c¶ Aek¨B mKj F※Yi SuywK
Aby※gv`b Ki※e|
Q) GKwU FY SuywK g¨vbyq¨v※ji g~j Kvh©µg wn※m※e FY Aby※gv`b cÖwµqv Aek¨B ýK›` Öxf~Z
_vK※Z n※e| F※Yi cwigv※Yi Dci wbf©i K※i kvLv/Av⁀wjK/wefvMxq Kvh©vjq ch©v※q GB
Aby※gv`b cÖ`v※bi ¶gZv w`※Z n※e Z※e e‾n`vs※Ki mKj FY Aek¨B ýµwWU KwgwU I
e¨e ‟vcbv cwiPvjK KZ©‾K mycvwikK…Z n※q ýevW© KZ…©K Aby※gvw`Z n※Z n※e|
R) ※Kv※bv e‾nr F※Yi ý¶※Î FY MÖnxZv※K/K※cv©※iU/MÖ“c※K ※gvU wK cwigvY FY cÖ`vb Ki※Z n※e
Zv wba©viY Aek¨B e¨e¯‟vcbv cwiPvjK/ýevW© KZ…©K Aby※gvw`Z n※Z n※e|
S) †h‡Kvb cwigvb F‡Yi †ÿ‡Î ‡Kv‡bv FY cÖ¯Íve hw` e¨vs‡Ki FY`vb bxwZi g‡a¨ bv _v‡K,
Zvn‡j H FYwU Aby‡gv`‡bi Rb¨ Aek¨B cwiPvjbv cl© /†evW© KZ…©K Aby‡gvw`Z n‡Z n‡e|
T) SuywKi gvÎv hv※Z AwZµg bv K※i ※mRb¨ GKwU wbw`©ó cÖwµqvq ch©v※jvPbv, Aby※gv`b I
gwbUwis Ki※Z n※e|
22
U) FY Aby※gv`bKvix KZ©‾c※¶i avivevwnKZv jswNZ n※j Zv Af¨šÍixY wbqš¿Y wefv※Mi cÖavb ev
e¨e ‟vcbv cwiPvjK※K Rvbv※Z n※e Ges fwel¨※Z hv※Z GB RvZxq NUbv bv N※U Zvi e¨e ‟v
Ki※Z n※e|
V) GK ýKvwU I Z` yaŸ© FY Aby※gv`bKvix Kg©KZ©v wb※qv※Mi ý¶※Î wb¤œwjwLZ cÖwk¶Y I AwfÁZv
_vK※Z n※e-
(1) Kgc※¶ cuvP (05) eQ※ii K※cv©※iU e¨vswKs I FY mswkó wefv※M G KvR Kivi AwfÁZv
_vK※Z n※e| (e¨e¯‟vcK ev FY we※klK ev wnmve wefv※Mi wbe©vnx wn※m※e)|
(2) Avw_©K wee‾wZ※Z cÖwk¶Y cÖvß I AwfÁZv m¤cbœ Ges bM` cÖevn I SuywK we※kl※Y
AwfÁZv m¤cbœ n※Z n※e|
(3) wnmve i¶Y I wnmve weÁvb, A_©e¨e¯‟vcbv I SuywK m¤c※K© ýgŠwjK Ávb _vK※Z n※e|
(4) ¯‟vbxq wkí/evRvi m¤c※K© mg¨K aviYv _vK※Z n※e|
(5) wkí/e¨emvwqK SuywK g~j¨vqb, FY MÖnY Kivi KviY Avw_©K cÖwZ※e`b, Avw_©K wee‾wZ
we※klY e¨emvwqK Pµ fwel¨Z aviYv, FY KvVv※gv I FY e¨e ‟vcbv Ges `wjjvq※bi e¨vcv※i
mg¨K aviYv _vK※Z n※e|
cÖ Íve MÖnY, Aby‡gv`b Ges cÖ Íve evwZ‡ji Rb¨ GKwU Avjv`v †iwRóvi msi¶Y Ki‡Z n‡e| †Kv‡bv
FY Aby‡gv`b, bevqb, ewa©ZKiY Ges cÖZ¨vL¨vb n‡j Dnvi KviY wjwce× K‡i e¨e ’vcbv cwiPvjK Ges
mswkøó EaŸ©Zb KZ©„c¶‡K gvwmK mvi-ms‡¶‡ci gva¨‡g wi‡cvU© Ki‡Z n‡e| FY cÖ`vb Kvh©µgwU Aek¨B FY
Gi cwigvY, ¸iæZ¡, e›UY Ges e¨emvwqK wefvRb Øviv mywba©vwiZ n‡Z n‡e| wb¤œwjwLZ welq¸‡jv ‡µwWU
†Wwj‡Mk‡bi Rb¨ ¸iæZ¡c~Y© ‡K․kj wn‡m‡e MY¨ Kiv nqt-
K. bZzb/ýd«k mxgv (myiw¶Z Ges Aiw¶Z)
L. F※Yi mxgv cyYt wba©viY/FY bevqb|
M. cyYt wba©viY, ewa©ZKiY Gi bevqb, n«vmKiY, cybM©VY, cybt ZdwmwjKi※Yi mxgv wba©viY|
N. weKí we※iva wb®cwË (Aëvi※bU wWmwcDU ýiRywjDkb) Gi Aax※b Avc※mi gva¨※g ým※Uj※g›U Ki※Z n※e|
(A_© FY Av`vjZ AvBb-2003 Gi ýmKkb-24)
O. ýfv³v/LyPiv, cÖ※Z¨K e¨vw³i Rb¨ e¨w³MZ AwMÖg wba©viY|
P. Ri“wi ¯^í ýgqv`x ewa©ZKiY/DbœZ KiY|
Q. `wjjvqb gyjZex ivLv (Documentation Deferral) |
R. kZ©vejxi cwieZ©b|
S. mgcvwk¦©K e¨wZµg| (Collateral Exception)
T. g~j¨ wba©viY, bxwZ Ges e¨wZµg| e¨vs※Ki Af¨šÍixY wbix¶v wefvM KZ©‾K evwl©K wfwË※Z KZ©‾c※¶i
cÖwawbwaZ¡g~jK Kvh©µ※gi ch©v※jvPbv Kiv Avek¨K hvi d※j e¨vswKs AvBb A¶ybœ ivLv wbwŤZ Kiv hvq|
2. e„n`vKvi ev RwUj G·‡cvRv‡ii Rb¨ Aby‡gv`bKvix KZ©„c¶t
e‾n`vKv※ii FY ev ýKv※bv FY cybt MV※bi Rb¨ Av※e`b Kiv n※j Aby※gv`b ¯ÍiwU e‾w× K※i Zv cl© KZ©©‾K
Aek¨B Aby※gvw`Z n※Z n※e| A¯vfvweK D”P SuywK m¤cbœ FY ev RwUj AvKv※ii FY cÖ`v※bi ý¶※Î Aek¨B cl©
KZ©©‾K Aby※gvw`Z n※Z n※e|
3. e¨wZµg mg –n t
wbw`©ó mxgvi g※a¨ ýKm Uz ýKm wfwË※Z KZ©©‾c¶ KZ…©K FY Aby※gv`b Kiv hv※e| Z※e e¨wZµ※gi KviYwU weij
n※Z n※e Ges ýKvb Kvi※Y e¨wZµg Zv FY dvB※j msi¶Y Ki※Z n※e| wbqwgZfv※e/wZb gvm AšÍi AšÍi cl© AwWU
KwgwUi wbKU Gmg¯Í FY ¸※jvi weeiYx cÖ`vb Ki※Z n※e|
23
4.07t FY weZiYt
FY Av※e`※bi ※dwmwjwU mxgv Kw¤cDUvi wm※†※g AbycÖ※ek Kiv※bvi c ~※e© ýµwWU cÖkvmb KZ©‾K FY
Av※e`bwU Aby※gvw`Z n※q※Q wKbv Zv wbwŤZ n※Z n※e| PvR© WKy※g›U m‾wó nevi ci, FYMÖnxZvi A½xKvi cvj※bi ci
Ges RvgvbwZ m¤cwË `wjjvqb Kvh ©vw` m¤cv`b nevi ci FY weZiY Ki※Z n※e| e¨wZµg ý¶※Î Aek¨B h_vh_
KZ©©‾c※¶i Aby※gv`b wb※Z n※e| FYMÖnxZv※K Aek¨B FY MÖn※Yi D※Ïk¨ Ges cÖvwß ¯^xKvicÎ ey※S ¯v¶i w`※Z n※e|
FY gÄywic※Îi mKj kZ©vejx cwicvjbmn `wjjvqb m¤cv`※bi ciB ïay FY weZiY Kiv hv※e| FY weZi※Yi c ~※e©
wmAvBwe (CIB) wi※cvU©※K Aek¨B we※ePbvq Avb※Z n※e| e‾nr FY I e¨vsK cwiPvjKMY※K cÖ※`q FY evsjv※`k
e¨vs※Ki wb※`©kbv I e¨vswKs ýKv¤cvwb AvB※bi AvIZvq cwiPvwjZ n※e|
4.08t FY Av‡e`b dig t
e¨vs※Ki wba©vwiZ di※g F※Yi Av※e`bcÎ e¨vs※Ki kvLvq A_ev e¨vs※Ki g ~j¨vqbKvix Kg©KZ©v/Kg©PvixMY
gd¯j GjvKvq åg※Y _vK※j Zuv※`i wbKUI ýck Kiv hv※e| FY Av※e`b c※Îi weeiY wb※gœ ý`qv nj t
F※Yi weeiY m¤^wjZ Av※e`b c※Îi KZ Kwc `vwLj Ki※Z n※e dig b¤^i (Gj Gj Gd cÖwZ Kwci g ~j¨)
µtbs di※gi bvg `vwLj※hvM¨ Kwc dig (GjGd) bs g~j¨ (cÖwZwU)
K) km¨ F※Yi Av※e`b dig 02 Kwc (01
Kwc gÄywicÎ)
Gj, Gd-6 webv g ~※j¨
L) eÜwK FY Av※e`b dig (10,000/- UvKv ch©š@ ) 01 Kwc Gj, Gd-1 webv g ~※j¨
M) eÜwK F※Yi Av※e`b dig 10,000/- UvKvi E※aŸ© `yB Kwc Gj, Gd-2 Uvt 30.00
N) cÖKí ¯‟vc※bi Rb¨ FY Av※e`b dig| 02-04 Kwc Gj, Gd-4 Uvt 500.00
O) bM` FY/PjwZ g –jab F※Yi Av※e`b digt
(1) 50,000/-UvKvi E※aŸ© 2-4 Kwc Gj, Gd-8 Uvt 500.00
(2) 50,000/-UvKv ch©šÍ 2 Kwc Gj, Gd-8 (K) Uvt 50.00
(3) GmGgB Gi AvIZvq PjwZ g~jab/bM` cyuwR/
Ab¨vb¨ ¯í※gqv`x F※Yi Av※e`b dig|
2-4 Kwc Gj, Gd-8 (L) Uvt 200.00
P) Pv Dbœqb I Drcv`b FY Av※e`b dig 2-4 Kwc Gj,Gd-2 (K) Uvt 500.00
Q) eÜKx `wjj GKK/ GKvwaK cÖwZ Kwc Gj, Gd 13/13 Uvt 100.00
hw` ýKvb FY MÖnxZv AwZwi³ F※Yi Rb¨ Av※e`b K※ib Ges hw` cª¯@vweZ AwZwi³ FY I BwZc––※e© gÄywiK…Z
F※Yi ýhvMdj g–j Av※e`※bi cÖvw_©Z F※Yi cwigv※Yi ※P※q ýewk nq, Zv n※j cª¯@vweZ AwZwi³ F※Yi Rb¨ bZyb
Av※e`b di※g Av※e`b Ki※Z n※e| cÖwZ Kg© w`e※m Awdm PjvKvjxb mg※q kvLv KvD›Uvi n※Z F※Yi Av※e`b dig
weZiY Ki※Z nýe| g–j¨vqb Kg©KZ©v/Kg©PvixMY hLb gd¯j GjvKvq åg※Y _v※Kb ZLb Zuv※`i wbKU n※ZI Av※e`b
dig msMÖn Kiv hv※e|
(1) FY cÖwµqvKiY wdmt
km¨/dmj FY, wewfbœ m⁀q w¯‹g I Gd wW Avi Gi wecix※Z FY Av※e`※bi Rb¨ ýKvbiƒc wd cÖ※qvRb n※e
bv| Dc※iv³ FY LvZ e¨wZZ Ab¨vb¨ dv※ÛW FY Av※e`※bi ý¶※Î Av※e`bK…Z 1.25 j¶ UvKv ch©š@ FYvsK wbwe©※k※l
500/- UvKv Ges Z` yaŸ© FYvs※Ki Rb¨ 0.40% A_©vr cÖwZ nvRv※i 4/- UvKv, m※Ÿ©v”P 3.00 (wZb) j¶|
24
(2) Zjvwk wdm (km¨ FY e¨wZZ) t
50,000/- UvKv ch©š@ bvB|
50,001/- UvKv n※Z 50,00,000/- UvKv ch©š@ - 1,000/-UvKv
50,00,001/- UvKv n※Z 15,00,000/- UvKv ch©š@ - 2,000/-UvKv
15,00,001/- UvKv n※Z 30,00,000/- UvKv ch©š@ - 3,000/-UvKv
30,00,001/- UvKv n※Z 50,00,000/- UvKv ch©š@- 4,000/-UvKv
50,00,001/- UvKv I Z`ya٩ 5,000/-UvKv
(3) wmAvBwe cÖwZ‡e`b msMÖn wdt
K※c©v※iU ewW Uvt-2000/-
wjwg※UW ýKv¤cvwb/cvU©bvikxc Uvt-1000/
cvimbvj /※cvcvBUikxc Kbmvb© Uvt-500/-
FY Av※e`bcÎ MÖn※Yi mgqB Av※e`※bi aiY Abyhvqx D※jwLZ nv※i wmAvBwe wi※cvU© msµvš@ mvwf©m PvR
Av`vqc~e ©K wba©vwiZ Lv※Z wnmvef y³ K※i ivL※Z n※e|
(4) bevq‡bi †¶‡Ît
PjwZ g‽jab/bM` FY/Pjgvb FY bevq※bi ý¶※Î cÖwµqvKiY wd MÖnýYi Avek¨KZv bvB| Z※e bZzb FY
gÄywi, RvgvbwZ m¤cwËi cybtg ~j¨vqb, eÜwK `wjj bZzbfv‡e m¤cv`b, ewa©ZKiYmn bevqb gÄywii ※¶※Î cÖwµqvKiY
wd c~‡e©i b¨vq (mvK©yjvi †jUvi bs- cÖKv/†µtwet-1/3(7)/2016-2017/442( 1200) ZvwiL 07/02/2017 Abyhvqx)
AcwiewZ©Z _vK‡e| Z‡e bevqbK …Z F※Yi RvgvbwZ m¤cwËi ýKvbiƒc cwieZ©b/cwiea©b Ges eÜwK `wjj m¤cv`※bi
cÖ※qvRb n※j ým※¶※Î FYvs※Ki Dci 02 bs µwg※K ewY©Z nv※i Zjvwk m¤cv`b wd MÖnY Ki※Z n※e|
(5) ewa©ZKi‡Yi †¶‡Ît
PjwZ g–jab/bM` cuywR/Pjgvb FY ewa©ZKi※Yi ý¶※Î ewa©Z Av※e`bK…Z FYvs※Ki Dci 0.40% FY
cÖwµqvKiY wd I 02 bs µwg※K ewY©Z nv※i Zjvwk m¤cv`b wd MÖnY Ki※Z n※e| cÖwµqvKiY wd m※e©v”P 3.00 j¶
UvKv|
(6) AwZwi³/ weGgAviB F‡Yi †¶‡Ît AwZwi³/weGgAviB cÖKí FY gÄywii ý¶※Î Av※e`bK…Z AwZwi³
FYvs※Ki Dci 0.40% cÖwµqvKiY wd I 02 bs µwg※K ewY©Z nv※i Zjvwk m¤cv`b wd cÖ※hvR¨ n※e| cÖwµqvKiY wd
m※e©v”P 3.00 j¶ UvKv| F※Yi Gme wd MÖnYKv※j cÖ※hvR¨ nv※i f¨vU Av`vq Ki※Z n※e|
*** F‡Yi Av‡e`b dig, FY cÖwµqvKiY wd, Zjøvkx wd, wmAvBwe cÖwZ‡e`‡bi wd, bevqb wd, ewa©ZKiY wd I
weGgAviB F‡Yi †ÿ‡Î wd mg‡q mg‡q cwieZ©b‡hvM¨|
4.09 cÖwµqvKiY wd MÖnYt
RgvK…Z cÖwµqvKiY wdm A※diZ※hvM¨| cÖwµqvKiY wdm kvLvi K¨vk KvD›Uv※i A_ev Awdm Kv※h© ågbiZ
g~j¨vqbKvix Kg©KZ©v/Kg©Pvixi wbKU Rgv ý`qv hv※e| g~j¨vqbKvix Kg©KZ©v/Kg©PvixMY cÖwµqvKiY wdm MÖnY Kivi ci
Rgv`vbKvix※K Aek¨B UvKv Rgv`※bi iwk` cÖ`vb Ki※eb| g~j¨vqbKvix Kg©KZ©v/Kg©PixMY ågY ※k※l kvLvq ýdivi
ms※M ms※M gvV ch©v※q M‾nxZ cÖwµqvKiY wdm K¨vwkqv※ii wbKU fvDPv※ii gva¨※g Rgv w`※eb| F※Yi Av※e`b hLb
ýKvb kvLvq MÖnY Kiv n※e ZLb cÖwµqvKiY wdm K¨vk ýWweU fvDPv※ii gva¨※g Av`vq K※i mswkó fvDPv※ii b¤i I
ZvwiL Av※e`bc※Îi cÖ_g c‾ôvq my®cófv※e wjL※Z n※e Ges Zv Aby※gvw`Z Awdmvi KZ©‾K ¯^v¶wiZ n※Z n※e|
25
4.10 e¨w³ mswkó we‡kl F‡Yi †¶‡Ît
e¨vsK ýKv¤cvwb AvB※bi aviv 26(M) Ges weAviwcwW mvK©yjvi bs 23 (4) hv 2014 Bs G cÖKvwkZ nq Ges
cieZ©x ms※kvabxmg~n e¨vsK KZ©‾c¶ KZ©‾K FY mveavbZvi ý¶※Î Abykxjb Kiv DwPZt-
K. ※µwWU FY cÖ`v※bi wm×v※š@i ý¶※Î A※hŠw³K cÖfve iwnZKiY |
L. Avoidance of daisy chains and other devices to evade rules and sound practices
in related person lending.
※h mKj fzj cÖv_wgK ch©v※q Gov※bv ※hZ, wKš„ ým¸※jv bv Gov※bvi Kvi※Y D”PZi FY SuywK m‾wó n※Z cv※i|
wb¤œwjwLZ we※klY¸※jv (hv ms※kvabx-K ýZ ※`Lv※bv n※jv) FY SuywK Gov※Z e¨vsK¸※jv※Z Aš@f©y³ Ki※Z n※e|
4.11 FY cÖ`v‡bi wb‡`©kbvmg~n
(1) cÖ¯ÍvewU evsjv‡`k e¨vs‡Ki FY bxwZgvjvi mv‡_ msMwZc~Y© wKbv ?
(2) cÖ ÍvewU we‡Kwe'i FY bxwZgvjvi mv‡_ msMwZc~Y© wKbv ?
(3) bb-cÖ_vMZ FY cÖ¯ÍvewU ev bZzb kZ©hy³ FY cÖ¯ÍvewU Aek¨B †evW© KZ©„K Aby‡gvw`Z n‡Z n‡e Ges †ev‡W©i mKj
kZ©vw` cwicvjb Ki‡Z n‡e|
4.12 FY SuywK n«vm †KŠkj
(1) F‡Yi gvwR©b;
(2) e¨emvi †¶‡Î Aw¯’wZkxjZv;
(3) D”P `vq ;
(4) AwZ gRyZ ;
(5) evKx‡Z weµq ;
(6) e¨emvi `ªæZ cÖe„w×/ cÖmvi;
(7) bZzb m¤ú`/ BDwbU/ e¨emv µq;
(8) g¨v‡bR‡g›U cwieZ©b;
(9) †µZv/ we‡µZv/ mieivnKvixi msL¨v †K›`ªxf‚ZKiY;
(10) mZZv|
26
Aa¨vq-05
FY SuywK cÖkg‡bi ‡KŠkj mg–n
5.01t FY SuywK cÖkgb
e¨vsK Zvi F※Yi SuywK cÖkg※bi Rb¨ wewfbœ ýKŠkj ýhgbt RvgvbZ I wbŤqZv e¨envi Ki※Z cv※i| F※Yi SuywK
cÖkg※bi ýKŠkj wn※m※e e¨vsK I FY MÖnxZvi g※a¨ Pzw³ n※Z cv※i A_ev e¨vsK I 3q c※¶i g※a¨ Pzw³ n※Z cv※i hv
e¨vs※Ki FY SzuwK cÖkg※b mnvqZv K※i| ýhmKj F※Yi Aw ÍZ¡ i※q※Q ýmmKj F※Yi ý¶※Î mwVK `wjjvqb I FY
cÖkvmb A_©vr Z`viwKi ýKv※bv weKí ýbB| Zviv FY cwi※kv※ai ý¶※Î ïay ýMŠY Drm wn※m※e KvR Ki※e, cÖavb Drm
wn※m※e KLbI ý`Lv hv※ebv| RvgvbwZ ev M¨v※iw›U cÖvqkt my`xN©, kÖgmva¨ Ges e¨q eûj cÖwµqv| hLb GKwU FY
RvgvbZ ev M¨vivw›U Øviv Ave‾Z Kiv nq ZLb FYwU cwi※kvwaZ n※e e※j e¨vsK A※bKUv Avkvev`x _v※K| ※KejgvÎ
ev※Rqvß ev RvgvbwZ wewµ K※i UvKv Av`vq Kivi c×wZ n※jv RvgvbwZ m¤cwË Øviv FY Ave‾Z KiY|
5.02t RvgvbZ
FY SuywK e¨e¯‟vcbv mwVKfv※e cwiPvjbvi Rb¨ ※hmKj F※Yi cÖKvi ev wkí ýK›`ªxKiY wec`RbK/D”P SuywK
m¤cbœ e※j g※b Kiv n※”Q, H mKj F※Yi RvgvbwZ m¤cwË※K mZK©Zvi `‾wó※Z ivL※Z n※e| FY cÖ`v※bi ý¶※Î
wb¤œwjwLZ RvgvbwZ m¤cwË MÖnY Kiv ev⁀bxqt-
1. cY¨`ªe¨/ ißvwb WKz※g›Um
K. ißvwb WKz※g›Um
L. cY¨`ªe¨
(i) ißvwb cY¨
(ii) Avg`vwb cY¨
(iii) Ab¨vb¨ cY¨ A½xKvi ev eÜKx FY
2. hš¿cvwZ/¯‟vqx m¤cwË (Rwg, feb/d¨¬vU e¨ZxZ)
3. wi※qj G※†U
K. AvevwmK wi※qj G※†U
L. evwYwR¨K wi※qj G※†U
4. Avw_©K BťUªy※g›U
5. GKK M¨vivw›U (e¨vw³MZ M¨vivw›U)
6. cÖwZôv※bi M¨vivw›U (K※cv©※iU M¨vivw›U)
K. e¨vsK ev Gb we Gd AvB M¨vivw›U
L. Ab¨vb¨ K※cv©※iU M¨vivw›U
7. wewea
K. kl¨ F※Yi eÜKxKiY
L. Ab¨vb¨
8. Aiw¶Z FY (Unsecured Loan)
K. cwigvY Ges aiY t
e¨vs※Ki Rb¨ AZ¨vek¨K ýh e¨vs※Ki FYmxgv e‾w× Ki※j SuywK bxwZ※Z ýh cÖKvi I cwigv※Y RvgvbwZ
m¤cwË wee‾Z Kiv n※q※Q Zv MÖnY Ki※Z n※e| FY RvgvbwZ m¤cwËi g~j¨ Kg ai※Z n※e hv※Z
ýKv※bv Kvi※Y RvgvbwZ m¤cwËi g~j¨ n«vm ※c※j ev m¤cwËi cÖK…Z g~j¨ Kg ev mvgvb¨ cwigv※Y n«vm
n※j FYwU Av`v※q ýKv※bv SuywK bv _v※K| e¨v※mj-3 Abyhvqx g~jab ch©vßZv wb※`©wkKv Abymv※i bM`
ev mn※R bM`vqb Kiv hvq Ggb Avw_©K RvgvbwZ m¤cwË MÖnY Ki※Z n※e| Ab¨vb¨ RvgvbwZ m¤cwË
wn※m※e ¸YMZ gvb m¤cbœ I evRviRvZ ýkqvi, wi※qj Gý†U Ges e¨w³MZ M¨vivw›U MÖnY Kiv ýh※Z
cv※i|
27
L. cÖv_wgK Ges Pjgvb g~j¨ wba©viYt
GKwU RvgvbZ ïaygvÎ ZLbB DËg RvgvbZ wn※m※e cwiMwYZ n※e hLb e¨vsK Rvgvb※Zi Ae¯‟vb
wbY©q, wPwýZKiY Ges AvBbZ `vex Kivi ¶gZv cÖvß nq Ges my` I Ab¨vb¨ Avbymw½K LiPmn
Av`v※qi Rb¨ RvgvbwZ m¤cwË weµq Ki※Z cv※i| hLb GKwU m¤cwË RvgvbZ wn※m※e MÖnY Kiv nq
ZLb Aek¨B RvgvbwZ m¤cwËi evRvi g~‡j¨i Dci wbf©ikxjZv, `ª“Z weµqKi※Yi ¶gZv, Zvij¨ I
e¨vs※Ki wbqš¿Y ¶gZv Ges e¨vsK hLb eva¨ nq ZLb Zv wewµ K※i bM` A※_© iƒcvš@i Ki※Z cv※i|
bM` cÖevn FY cwi※kv※ai cÖv_wgK Drm wn※m※e KvR K※i| RvgvbwZ m¤cwË g~j¨vq‡bi ý¶※Î H
m¤cwË wewµ K※i bM` A※_© iƒcvš@i Kivi ¶gZv※K AMÖvwaKvi ý`qv DwPZ|
evsjv‡`k e¨vs‡Ki K…wl FY wefv‡Mi K…wl I cjøx FY bxwZgvjv I Kg©m~Pxi wb‡`©kbv Abyhvqx AbMÖmi,
D‡cwÿZ GjvKvq Ges cÖvwšÍK, ÿz`ª K…lK I eM©vPvwl‡`i AbyK~‡j wbqgvPvi Abyhvqx FY cÖ`vb Ki‡Z
n‡e|
5.03t Z…Zxq c‡¶i M¨vivw›U (Third Party Guarrentee)
e¨vsK※K Aek¨B eyS※Z n※e ýh F※Yi SuywK GKwU F※Yi Z…Zxq c※¶i M¨vivw›Ui Aw¯@※Z¡i Øviv Ave‾Z Kiv hvq
bv| e¨vsK Zvi MÖvn※Ki FY SzuwK cÖkg※bi Rb¨ Rvwgb`v※ii wbŤqZv MÖnY K※i _v※K| wbŤqZvi wel※q e¨vsK¸※jv※K
F※Yi SzuwKi Kfv※iR gvÎv wbY©q Kiv DwPZ F※Yi ¸bMZ gvb I Rvwgb`v※ii AvBwb ¶gZvi Dci wfwË K※i| Gi
AwZwi³ FY SzuwK n«vm Kivi Rb¨ wb¤œwjwLZ c`※¶c¸※jv MÖnY Ki※Z n※et-
K. K※cv©※iU M¨vivw›U ýh ýKv¤cvwb KZ…©K cÖ`vb Kiv n※”Q Zvi msN ¯§viK I ýKv¤cvwbi
¯^viKwjwc Øviv mgw_©Z n※Z n※e| K※cv©※iU M¨vivw›U K※cv©※iU Rvwgb`vi※`i cl© mfvq
Aby※gvw`Z n※Z n※e |
L. M¨viv›Ui ýKv¤cvwb Aek¨B ewnt ※µwWU ýiwUs G※Rwť KZ©‾K wewb※qv※Mi ý¶※Î ýiwUshy³ n※Z
n※e|
M. Z…Zxq c¶ ýh K※cv©※iU M¨vivw›U w`※q※Q H ýKv¤cvwbi w ‟wZcÎ we※klY Ki※Z n※e| Z…Zxq
c※¶i PjwZ g~jab, ※gvU m¤c`, jvfRbKZv, we`¨gvb ýµwWU jvBb I wbivcËvi e¨e¯‟v
fv※jvfv※e we※klY Ki※Z n※e hv※Z Zvi mvg※_© i wecix※Z AwZwi³ Avw_©K M¨vivw›U bv ý`q|
N. hw` GKevi ýKv※bv K※cv©※iU Rvwgb`v※ii Avw_©K w¯‟wZkxjZvi AebwZ N※U e¨vsK※K Zvi
cÖwZKvig~jK e¨e ‟v wn※m※e FY MÖnxZvi KvQ ý_※K bM` A_© Av`vq ev bZzb RvgvbZ MÖnY
Ki※Z n※e|
O. `yB e¨vs※Ki g※a¨ cvi®cvwiK M¨vivw›U e¨e¯‟v wbi“rmvwnZ Ki※Z n※e|
FY I AwMÖ※gi Rb¨ RvgvbZ t e¨vs※Ki PvU©vi Abyhvqx FY/AwMÖg/PjwZ g~ja‡bi wecix※Z
wb¤œwjwLZ RvgvbZmg~n MÖnY Kiv hvq -
ýKv¤cvwbi óK&m/miKvix FYcÎ BZ¨vw` hv※Z ý`※ki cÖPwjZ AvBb Abyhvqx ýKvb Uªvwó A_©
wewb※qvM Ki※Z cv※i|
wW※e⁀vi A_ev Ab¨ ýKvb FYcÎ hv miKvix Aby※gv`bµ※g wKsev ýKvb ˆea AvB※bi
AvIZvq Bmy¨ Kiv nq|
gvjcÎ A_ev gvwjKvbv ¯^※Z¡i `wjjcÎ hv Rgv A_ev Av※ivc/n¯@vš@i Kiv nq|
※Kv¤cvwbi (mxwgZ `vq-`vwqZ¡) wW※e⁀vi hv evsjv※`k e¨vsK KZ©‾K wb※`©wkZ wbqgvbyhvqx
Bmy¨ Kiv nq|
28
ýKv¤cvwbi (mxwgZ `vq-`vwqZ¡) ýkqvi hv evsjv※`k e¨vsK KZ©‾K wb※`©wkZ wbqgvbyhvqx Bmy¨
Kiv nq|
cvURvZ `ªe¨ Ges Pv mn Ab¨vb¨ gvjcÎ hv RvgvbZ wnmv※e eÜK (nvB※cvw_※Kkb) ý`Iqv
nq|
`vZv KZ©‾K ¯^xK…Z ûwÛ A_ev FY cwi※kv※ai wbtkZ© AsMxKvicÎ hv cÖvcK KZ©‾K Gb※Wvim
Kiv n※q※Q|
miKvix wbðqZvcÎ|
cÖK※íi m¤cwË ( cÖKí f~wg, wewìs, ýgwkbvix BZ¨vw`)
ýh ýKvb wRwbm A_ev ¯‟vei A¯‟vei m¤cwË hv e¨vs※Ki AbyK‽※j ※cR, eÜK,
nvB※cvw_※Kkb-A_ev Av※ivc/n¯ÍvšÍi Kiv nq|
ZvwjKvfy³ ýKvb e¨vs※Ki wbtkZ© e¨vsK M¨vivw›U|
K※c©v※iU M¨vivw›U|
¯^Y© Ges ¯^Y©vjsKvi|
e¨w³MZ M¨vivw›U|
5.04 t K‡c©v‡iU M¨vivw›Ut
K※c©v※iU A_©vq※bi Rb¨ K※c©v※iU M¨vivw›U GKwU AwZ ¸iæZ¡c~Y© `wjj| K※c©v※iU M¨vivw›U n※”Q FY MÖnxZvi
mv※_ FY cÖ`vbKvixi GKwU Pzw³cÎ hv※Z FY MÖnxZvMY Zv※`i gvwjKvbvaxb Ab¨vb¨ mn※hvMx ýKv¤cvwb ev mn※hvMx
Ab¨vb¨ wkí cÖwZôvb (hv※`i ýbUIqv_© m※š@vlRbK) we※eP¨ FY cwi※kv※ai AsMxKvi e¨³ K※i Ges FY cwi※kv※ai
mKj `vq-`vwqZ¡ cvj※b m¤§wZ Ávcb K※i|
5.05 t ‡jvb wmwÛ‡Kkb/K¬ve dvBbvwÝs t
hLb GKvwaK e¨vsK KZ©‾K GKRb D※`¨v³v※K KZ¸wj mvaviY kZ©vejxi wecix※Z Ges GKB ai※bi
`wjjcÎvw`i wfwË※Z ýhŠ_fv※e A_©vqb Kiv nq ZLb Zv※K ýjvb wmwÛ※Kkb ejv nq| ýjvb wmwÛ※Kk※bi wewfbœ c¶
_v※K| GB c¶¸wji ga¨ cÖavbZt n※”Q cÖavb Av※qvRK (Lead Arranger)/cÖavb e¨vsK, cÖwZwbwa (Agent),
AskMÖnYKvix e¨vsK ev Avw_©K cÖwZôvb Ges FY MÖnxZv| jxW e¨vsK ev cÖavb Av※qvRK FY cÖ¯@ve ch©v※jvPbvi cÖwZwU
c`※¶※c Ges wewfbœ e¨vsK I Avw_©K cÖwZôv※bi wbKU n※Z Znwej msMÖ※ni Kvh©cÖYvjx mgšq mvab K※i| cÖwZwbwa
wnmv※e we※ewPZ cÖwZôvb mKj RvgvbZx m¤cwË i¶Yv※e¶Y Ges FY e¨e ‟vcbv I cwiavi※Yi KvR K※i| GKvwaK
e¨vsK ev Avw_©K cÖwZôvb jxW e¨vs※Ki F※Yi Kvh©cwiwai AvIZvq GKwU wbw`©ó cwigvY FY cÖ`v※b AsMxKvive× nq|
mKj c※¶i g※a¨ FY MÖnxZv GKwU ¸iæZ¡c~Y© c¶| FY MÖnxZv ýKvb e¨w³ ev cÖwZôvb hvB ýnvK bv ýKb ým ev Zviv ýh
Znwej D※Ëvjb K※i Ges Zv ýdiZ cÖ`v※bi Rb¨ Pzw³e× nq Zv GKwU wbw`©ó mg※hi g※a¨ wba©vwiZ A_ev cwiewZ©Z
my`nv※i Avmj Ges my`mn m¤ú~Y© UvKv cÖwZwbwa (Agent) Gi wbKU cwi※kv※ai AsMxKvi K※i|
5.06 t e¨w³/cÖwZôvb/MÖyc/wmwÛ‡Kkb FY mxgvt
evsjv※`k e¨vs※Ki weAviwcwW mvKy©jvi bs-05 ZvwiL-9, 2005 Abyhvqx Ges evsjv※`k e¨vsK Ges evsjv※`k
K…wl e¨vs※Ki g※a¨ ¯^v¶wiZ mg※SvZv ¯§viK (MoU) Abyhvqx e¨w³/cÖwZôvb/MÖy‡ci Rb¨ m※e©v”P FY mxgv n※e ýgvU
g~ja‡bi 35%| cÖZ¨¶ FY myweav (Funded facility) 15% Ges c‡iv¶ FY myweav (Non-Funded facility)
20%| Z‡e ißvwbi †¶‡Î m‡e©v”P FY mxgv n‡e g~ja‡bi 50%| cÖZ¨¶ FY myweav (Funded facility) G †¶‡ÎI
15% n‡e| 15% Gi g‡a¨ †gqv`x FY 10% Gi AwaK n‡e bv|
29
5.07 t wmwÛ‡Kkb t
Dc※i ewY©Z FY mxgvi AwaK F※Yi cÖ※qvRb n※j FY cÖ`v※bi ýd※Î e¨vsK Kgc※¶ 1wU ýemiKvix/‿e※`wkK
e¨vsK A_ev ivóªvqZ¡ evwYwR¨K e¨vs※Ki mv※_ wmwÛ※Kkb Ki※e|ýjvb wmwÛ※Kkb t hLb GKvwaK e¨vsK KZ©‾K GKRb
D※`¨v³v※K KZ¸wj mvaviY kZ©vejxi wecix※Z Ges GKB ai※Yi `wjjcÎvw`i wfwË※Z ýhŠ_fv※e A_©vqb Kiv nq ZLb
Zv※K ýjvb wmwÛ※Kkb ejv nq| ýjvb wmwÛ※Kk※bi wewfbœ c¶ _v※K| GB c¶¸wji ga¨ cÖavbZt n※”Q cÖavb Av※qvRK
(Lead Arranger)/cÖavb e¨vsK, cÖwZwbwa (Agent), AskMÖnYKvix e¨vsK ev Avw_©K cÖwZôvb Ges FY MÖnxZv| jxW
e¨vsK ev cÖavb Av※qvRK FY cÖ¯Íve ch©v※jvPbvi cÖwZwU c`※¶※c Ges wewfbœ e¨vsK I Avw_©K cÖwZôv※bi wbKU n※Z
Znwej msMÖ※ni Kvh©cÖYvjx mgšq mvab K※i| cÖwZwbwa wnmv※e we※ewPZ cÖwZôvb mKj RvgvbZx m¤cwË i¶Yv‡e¶Y
Ges FY e¨e ‟vcbv I cwiavi※Yi KvR K※i| GKvwaK e¨vsK ev Avw_©K cÖwZôvb jxW e¨vs※Ki F※Yi Kvh©cwiwai
AvIZvq GKwU wbw`©ó cwigvY FY cÖ`v※b AsMxKvive× nq| mKj c※¶i g※a¨ FY MÖnxZv GKwU ¸iæZ¡c~Y© c¶| FY
MÖnxZv ýKvb e¨w³ ev cÖwZôvb hvB ýnvK bv ýKb ým ev Zviv ýh Znwej D※Ëvjb K※i Ges Zv ýdiZ cÖ`v※bi Rb¨
Pzw³e× nq Zv GKwU wbw`©ó mg※hi g※a¨ wba©vwiZ A_ev cwiewZ©Z my`nv※i Avmj Ges my`mn m¤ú~Y© UvKv cÖwZwbwa
(Agent) Gi wbKU cwi※kv※ai AsMxKvi K※i|
Pzw³c~e © ¯v¶it wmwÛ※KU c×wZ※Z ýjvb cÖ`v※bi Rb¨ Pzw³c–e© ¯^v¶※ii Rb¨ wb¤œewY©Z wel※qi cÖwZ Aek¨B j¶¨ ivL※Z
n※e t
1) wmwÛ※KU F※Yi Rb¨ FYMÖnxZv evQvB Ges wbe©vPb;
2) FY MÖnxZvi mv※_ avivevwnKfv※e m¤cK© M※o ýZvjv;
3) ýjvb wmwÛ※Kk※bi mv※_ m¤c‾³ mKj e¨vsK Ges FYMÖnxZvi ýMvj ýUwej Av※jvPbv Ges wmwÛ※Kkb
FY evRvi ý_※K FY MÖnxZvi F※Yi Pvwn`v wba©viY;
4) FY MÖnxZvi mv※_ Av※jvPbvi wfwË※Z ýjvb wmwÛ※Kkb BDwbU KZ©‾K Uvg© wmU cÖ¯„Z Kiv ;
5) FY MÖnxZvi wbKU n※Z g¨v※ÛU MÖn※Yi c~‡e © Uvg©mxU P‚ovšÍKi‡Yi Rb¨ e¨vsK e¨e ‟vcbvi mv※_ Av※jvPbv
Kiv| GB Av※jvPbv mfvwU wjW e¨vsK Av※qvRb Ki※e|
g¨v‡ÛU cieZx© Kvh©vewj t
FY MÖnxZvi wbKU n※Z g¨v※ÛU MÖn※Yi ci wb※gœv³ Kvh©vewj m¤úv`b Ki※Z n※e t
1) (K) FY cÖwµqvKiY wd MÖnY (d¬¨vU ýi※U);
(L) wmwÛ※Kkb wd/G¨v※iÄ※g›U wd MÖnY (d¬¨vU ýi※U);
(M) G※Rťx wd MÖnY (d¬¨vU ýi※U);
(N) AskMÖnY wd MÖnY (d¬¨vU ýi※U);
(O) e¨e¯‟vcbv wd (evwl©K);
(P) KwgU※g›U wd (ˆÎgvwmK);
(Q) Gj/wm Kwgkb;
2) FY MÖnxZvi wbKU n※Z cÖKí m¤úKx©q m¤ÿvebv cÖwZ※e`b ;
3) wmAvBwe wi※cvU© msMÖn;
4) Znwej MV※bi Rb¨ e¨vs※Ki cwiPvjbv cl©※`i Aby※gv`b |
Dc※iv³ Kvh©vewj m¤úv`‡bi ci wmwÛ※KU e¨vs※Ki Kg©KZ©viv cÖKí ¯‟vb, cÖK※íi Rb¨ ýgwkbvwi Avg`vwbi
cÖ※qvRb n※j Avg`vwbi c~‡e© mieivnKvixi ý`※k m※iRwg※b cwi`k©b BZ¨vw` KvR Ki※eb| wmwÛ※KU ýjvb cÖ`v※bi
c~‡e© wjW e¨vsK KZ©‾K AskMÖnYKvix e¨vsK/Avw_©K cÖwZôv※bi wbKU cÖK※íi aiY, D※`¨v³vi Ae¯‟vb, cÖKí g~j¨ Ges
cÖK※íi mgqmxgv D※jL c~e©K cÖ¯Í •vebv cÎ (Offer letter) ýcÖiY Ki※Z n※e|
30
5.08t Lending Caps t
GKB Lv※Z FY cÖev※ni ýK›`ªxKiY cwinvi Kivi Rb¨ e¨vsK FY ýcvU© ýdvwjI※K km¨, grm¨, cï m¤c`,
Lvgvi hš¿cvwZ, Pjgvb FY, Gm Gg B I K…wl wfwËK wkí Ges Av_©-mvgvwRK Kg©Kv※Û wef³ K※i FY weZi※Yi
wb※`©kbv cÖ`vb Kiv n※q※Q|
5.09t K‡c©v‡iU M¨vivw›U t
K※c©v※iU A_©vq※bi Rb¨ K※cv©※iU M¨vivw›U GKwU AwZ MyiæZ¡c~Y© `wjj| K※c©v※iU M¨vivw›U n※”Q FY MÖnxZvi
mv※_ FY cÖ`vbKvixi GKwU Pzw³cÎ hv※Z †Kv¤úvwb ev ýKvb wkí cÖwZôvb Zv※`i FY cwi※kv※ai AsMxKvi e¨³ K※i
Ges FY cwi※kv※ai mKj `vq `vwqZ¡ cvj※b m¤§wZ Ávcb K※i |
5.10t miKvix wbðqZv t
miKvix wbŤqZvc※Îi wecix※Z FY cÖ`vb Kiv ※h※Z cv※i| GB wbŤqZvcÎ A_© gš¿Yvj※qi Aby※gv`bµ※g
wbav©wiZ di※g n※Z n※e|
5.11t e¨vsK M¨vivw›Ut
e¨vsK M¨vivw›Ui msÁvt Pzw³ AvB※bi Av※jv※K ýKvb e¨w³ ev cÖwZôv※bi AbyK‽※j Z…Zxq ýKvb c¶
(e¨vw³/cÖwZôvb) KZ©‾K cÖ`Ë cÖwZkª“wZ Kv※h© cwiYZ Ki※Z e¨_© n※j D³ A¶g e¨vw³/cÖwZôvb※K `vqgyw³i Rb¨ e¨vsK
KZ©‾K wbŤqZv cÖ`vb Kivi cÖwZkÖywZ‡K e¨vsK M¨vivw›U e※j|
(K) e¨vsK M¨vivw›U Bmy¨i D※Ïk¨t mvaviYZt wb※¤œv³ wbŤqZvi Rb¨ e¨vsK M¨vivw›U Bmy¨ Kiv n※q _v※Kt
* `icÎ ev A½ RvgvbZ UvKvi Rb¨;
* Kvh©m¤cv`b wbðqZv;
* e›`i (Kvógm&) AveMvix ïé wbŤqZv;
* we※`kx cÖwZ m½xi Aby※iv※a wbŤqZv;
* Ab¨vb¨ wbðqZv|
(L) e¨vsK M¨vivw›U cÖvwßi ýhvM¨Zv t e¨vs※Ki wbKU wekŢ¯@, mycwiwPZ, Avw_©Kfv※e ¯^”Qj I ýjb※`b m‡šÍvlRbK
Ggb MÖvn※Ki c※¶ e¨vsK M¨vivw›U Bmy¨ Kiv hv※e|
M¨vivw›Ui
cÖKvi※f`
t (1) e¨vs‡Ki `„wó‡Kvb n‡Z wbðqZvmg‚n‡K †gvUvgywUfv‡e `yB †kÖYx‡Z wef³ Kiv hvq t
Pyw³ AvB※bi Av※jv※K ýKvb e¨w³ ev cÖwZôv※bi AbyK‽※j Z…Zxq ýKvb c¶ (e¨w³/cÖwZôvb) KZ…©K
cÖ`Ë cÖwZkÖ“wZKv※h© cwiYZ Ki※Z e¨_© n※j D³ A¶g e¨w³/cÖwZôvb※K `vqgyw³i Rb¨ e¨vsK KZ…©K
wbŤqZv cÖ`vb Kievi cÖwZkÖ“wZ※K e¨vsK M¨vivw›U e※j| G※¶※Î e¨vsK n※”Q wbŤqZv ev M¨vivw›U
MÖnxZvi "Rvwgb`vi" Ges ýh mKj MÖvnK (e¨w³/cÖwZôvb) Gi m¤ÿve¨ A¶gZvi wec※¶ wbŤqZv
cÖ`vb Kiv nq Zv※K "gyL¨ ý`bv`vi" Ges ýh e¨wI“/cÖwZôv※bi AbyK‽※j M¨vivw›U Bmy¨ Kiv nq Zv※K
"cvIbv`vi" ejv nq| mvaviYZ e¨vsK KZ…©K wek¦¯Í MÖvnK※`i Aby※iv※a ch©vß gvwR©b I RvgvbZ
MÖnYc~e©K Zv※`i (MÖvnK※`i) wb※`©wkZ e¨w³/cÖwZôv※bi AbyK–※j KwZcq kZ©vax※b e¨vsK M¨vivw›U
Bmy¨ Kiv nq|
(2) mvaviYfv‡e e¨vsK KZ©„K cÖ`Ë M¨vivw›U mg~‡ni cÖKvi‡f` t
(K) mvaviYZt `icÎ ev WvK Rvgvb※Zi Rb¨ c¶ mg –n GB ai※Yi wbŤqZvi Aby※iva Rvwb※q
_v※K Ges Zv `icÎ g~‡j¨i wbw`©ó nv※ii As※Ki (ýhgb-2-5%) Rb¨ PvIqv nq| ýh `icÎ `vZvi
Aby※iv※a GUv cÖ`Ë nq wZwb e¨_© n※j cÖvcK Zv bM`vqb Ki※Z cv※ib|
31
(L) Kvh© m¤•v`b wbðqZvt
GUv wbw`©ó mg※q Kvh© m¤•v`※bi AsMxKv※ii wewbg※q cÖ`Ë wbŤqZv| GB ai※Yi wbŤqZv
ˆe※`wkK cÖwZmsMxi Aby※iv※a Zv※`i cÖwZ wbŤqZvi wecix※Z gvjvgvj mieiv※ni wbŤqZvi Rb¨
Zv※`i MÖvn※Ki AbyK‽※j cÖ`Ë nq|
(M) e›`i (Kvóg) I AveMvix ïé wbðqZvt
GB ai※Yi wbŤqZv Avg`vwbK…Z cY¨ ev ißvwb※hvM¨ c※Y¨i e›`i ïé /AveMvix ïé cÖ`v※bi
wbŤqZv wnmv※e MÖvnK※`i c※¶ ïé KZ©‾c¶ cÖ`vb K※i|
(N) Ab¨vb¨ wbðqZvt
wVKv`viMY ¯‟vbxq mieivn BZ¨vw` ev Ab¨ ýh ýKvb wbw`©ó Kv※Ri ý¶※ÎI wbŤqZv PvB※Z cv※ib|
(O) we‡`kx cÖwZmsMxi Aby‡iv‡a wbðqZvt
GB ai※Yi wbŤqZv we※`kx cÖwZm½xi Aby※iv※a Zv※`i MÖvn※Ki c※¶ evsjv※`kx cÖvc※Ki AbyK‽※j
WvK-RvgvbZ /RvgvbZ UvKv/ Kvh© m¤•v`※bi AsMxKvi wnmv※e cÖ`vb Kiv nq| we※`kx e¨vs※Ki
cÖwZ wbŤqZvi wecix※Z GB wbŤqZv cÖ`vb Kiv nq|
cÖ※qvRbxq
KvMRcÎ
t ev¨sK M¨vivw›Ui Rb¨ cÖ‡qvRbxq KvMRcÎ t
(1) ýh cwigvY UvKvi Rb¨ e¨vsK M¨vivw›U Bmy¨ Ki※Z n※e ※m cwigvY, ýh cÖwZôvb/ms¯‟vi AbyK‽※j
M¨vivw›U Bmy¨ Ki※Z n※e Zvi bvg I c�Y© wVKvbv, M¨vivw›Ui D※Ïk¨, cÖ※qvRbxqZv I mgqKvj, K¨vk
gvwR©※bi cwigvY, cÖ¯ÍvweZ mnvqK Rvgvb※Zi weeiY BZ¨vw` Z_¨ D※jL c•e©K M¨vivw›U MÖn※Y B”QyK
Mªvn※Ki wbKU n※Z mv`v KvM※R `iLv¯Í MÖnY Ki※Z n※e |
(2) cÖ※qvRbxq Rvgvb※Zi gvwjKvbv ¯^^Z¡ mswkó mKj KvMRcÎ/`wjjvw` Gi g~j Kwc wb※Z n※e|
(3) ýh cÖwZôvb/ms ‟vi AbyK‽※j M¨vivw›U Bmy¨ Kiv n※e Zv※`i Pvwn`vcÎ (wiKyBwRkb) Ges KvswLZ
M¨vivw›Ui bgybv (hw` _v※K) |
(4) evwYwR¨K ev e¨emv cÖwZôv※bi Av※e`※bi ý¶※Î e¨vsK M¨vivw›U MªnxZvi wbR bv※g ev mn※hvMx
cÖwZôv※bi `vq-ý`bv msµvšÍ nvjbvMv` wmAvBwe cÖwZ※e`b|
(5) M¨vivw›U MªnxZvi wnmve weeiYx (PjwZ/m⁀qx/GmwUwW)|
(6) e¨vs※Ki GKRb Kg©KZ©v KZ…©K m¤•vw`Zmn Rvgvb※Zi g~j¨vqb cÖwZ‡e`b (¯’vei m¤•wËi
†¶‡Î m¡vfvweK c~e©vbygvb cÖwZ‡e`b(GjGd-5)|
(7) wUAvBGb mn (hw` _v※K) AvqKi cwi※kv※ai iwk`|
(8) M¨vivw›Ui c~Y© UvKvi Rb¨ MÖvn※Ki wbKU n※Z GKwU wWwc ýbvU wb※Z n※e |
(9) †gqv`c~wZ©i mv※_ mv※_B ¯^Z¡※fvMx ev cvIbv`v※ii bv`vex cÎmn g~j M¨vivw›U cvIbv`v※ii
wbKU n※Z ýdir G※b e¨vs※K Rgv ※`qvi Ges M¨vivw›Ui mKj kZ© cwicvj※bi Rb¨ MÖn※Ki wbKU
n※Z e¨w³MZ AsMxKvicÎ MÖnY Ki※Z n※e |
wbðqZvi
kZ©vejx
t (K) e¨vsK M¨vivw›U Bmy¨i Avek¨Kxq kZ©vw` t
(K) M¨vivw›U MÖnxZv※K Aek¨B e¨vs※Ki wek¦¯Í MÖvnK n※Z n※e| e¨vs※Ki MÖvnK bb Giƒc Kv※iv
Aby※iv※a e¨vsK M¨vivw›U Bmy¨ Kiv hv※e bv|
(L) M¨vivw›U MÖnxZvi mZZv, mybvg Ges Avw_©K ¯^”QjZvi wel※q wbwŤZ n※Z n※e|
(M) Mvvivw›U Aek¨B wbw`©ó mgq Ges wbw`©ó `vq AveZ©b K※i Bmy¨ Ki※Z n※e| M¨vivw›U wifjwfs
n※e bv|
(N) ýKvb Amxg `vq AveZ©b K※i M¨vivw›U Bmy¨ Kiv hv※e bv|
(O) M¨vivw›U cwigv※Yi b~¨bZg 30% gvwR©b wnmv※e bM` MÖnY Ki※Z n※e Ges 214-gvwR©bvj
wW※cvwRU GKvD※›U Rgv ivL※Z n※e| Z※e 100% bM` Rgvi wecix※Z GBiƒc gvwR©※bi cÖ※qvRb
32
bvB| e¨vsK M¨vivw›Ui mnRvgvbZ mn※R bM`vqb※hvM¨ evsjv※`k K…wl e¨vs※Ki GdwWAvi/Ab¨vb¨
MÖnY※hvM¨ Bbóªy※g›U n※j K¨vk gvwR©※bi welqwU wkw_j※hvM¨ n※e | Z※e G※¶※Î Kwgkb cÖPwjZ
wbq※g cÖ※hvR¨ n※e|
(P) `vq cwi※kv※a MÖvnK A¶g nIqvi w`b n※Z 15 w`※bi g※a¨ cvIbv`vi KZ…©K e¨vs※Ki wbKU
Zvi `vex h_vh_fv※e DÐvcb Ki※Z n※e| Z※e GB `vex m※e©v”P 30 w`※bi g※a¨ h_vh_fv※e
Dc ‟vc※b e¨_© n※j `vexwU Zvgvw`※Z evwiZ nIqvi Kvi※Y Zv evwZj Kiv n※e|
(Q) e¨vsK M¨vivw›Ui cvIbv`vi KZ…©K M¨vivw›U mxgvi AwZwi³ ýKvb `vex DÐvwcZ n※j Zv mivmwi
evwZj e※j MY¨ n※e |
(R) M¨vivw›Ui D※Ïk¨, cÖKvi, cÖK…wZ, ýgqv` I bgybv BZ¨vw` m¤•※K© M¨vivw›Ui ¯^Z¡※fvMx
cvIbv`v※ii Pvwn`vcÎ (wiKzBwRkb) _vK※Z n※e|
(S) wbŤqZv Pvjy _vKve¯‟vq ýKvbiƒc ýjvKmvbRwbZ ¶wZc�i※Yi Rb¨ MÖvn※Ki wbKU n※Z
wbðqZvi c~Y© UvKvi Rb¨ cÖwZwbŤqZv msMÖn Ki※Z n※e|
e¨emvwqK
¶gZv
t cl© mwPevjq wefv※Mi cwicÎ bs-cÖmwe-02/2003 ZvwiL 3-11-03 ýgvZv※eK ¶gZvcÖvß
Kg©KZ©vMY e¨vsK M¨vivw›U cÖ`v※bi ý¶※Î Avw_©K ¶gZv cÖ※qvM Ki※eb|
e¨vsK
M¨vivw›Ui Rb¨
cÖ※qvRbxq
RvgvbZ
t e¨vsK M¨vivw›Ui Rb¨ cÖ※qvRbxq RvgvbZ t
(K) e¨vsK M¨vivw›Ui mn RvgvbZ wnmv※e mn※RB bM`vqb※hvM¨ evsjv※`k K…wl e¨vs※Ki ýgqv`x
AvgvbZ iwk`/Ab¨vb¨ MÖnY※hvM¨ Bb†ªy※g›U※K AMÖvwaKvi w`※Z n※e|
(L) K¨vk gvwR©b (hZ ýewk m¤ÿe) ev※` M¨vivw›U As※Ki Aewkóvs※ki wecix※Z wmwU K※c©v※ikb,
ýcŠimfv Ges ¸i“Z¡c~Y© e¨emv ýK※›`ªi Rwg/BgviZ RvgvbZ wnmv※e MÖnY Ki※Z n※e| Z※e K…wl
Rwg RvgvbZ wnmv※e MÖnY※hvM¨ n※e bv | D※jL¨ ýh, 100% K¨vk gvwR©※bi ý¶※Î ýKvb mnvqK
RvgvbZ MÖn※Yi cÖ※qvRb n※e bv|
(M) mn RvgvbZ ‟vei m¤•wË nB※j e¨vs※Ki cÖPwjZ wbq※g miRwg※b Z`š@ I g~j¨vqbKiZt
e¨vsK Kg©KZ©v KZ…©K `vwLjK…Z g~j¨vqb cÖwZ※e`※bi (GjGd-5) wfwË※Z mn RvgvbZ eÜKx `wjj
m¤•v`※bi gva¨※g eÜK MÖnY Ki※Z n※e|
Kwgkb/mvwf©m
PvR©
t e¨vsK M¨vivw›Ui Kwgk※bi nvi cÖwZ wZb gv※mi Rb¨ M¨vivw›U g~‡j¨i 1% Ges me©wbæ 1000/-
UvKv| 100% K¨vk gvwR©※b M¨vivw›U cÖ`vb Kiv n※j ïaygvÎ wba©vwiZ 1000/- UvKv mvwf©m PvR©
w`※Z n※e| Dfq ý¶※Î Kwgkb/mvwf©m PvR© M¨vivw›U Bmy¨Kv※j GKKvwjb AwMÖg Av`vq Ki※Z n※e|
we※`kx cÖwZmsMxi Aby※iv※a M¨vivw›U Bmy¨ n※j Awfbœ nv※i Kwgkb/mvwf©m PvR© gvwK©b Wjv※i wb※Z
n※e| ýKvbiƒc Av※e`b wd A_ev g�j¨vqb wd MÖnY Ki※Z n※e bv | GB nvi mgq mg※q
cwieZ©b※hvM¨| e¨vsK M¨vivw›Ui RgvK…Z Kwgkb/mvwf©m PvR© ýdiZ※hvM¨ bq|
mgqKvj t e¨vsK M¨vivw›U Bmy¨i mgqKvj n‡e MÖvn‡Ki cÖ‡qvRbxqZv, K¨vk gvwR©b, RvgvbZ Ges m‡e©vcwi
MÖvn‡Ki wek¦¯ÍZv BZ¨vw` we‡ePbv K‡i Pvwn`vi wfwˇZ Abya© 5 eQi| 5 eQ‡ii AwaK mg‡qi Rb¨
e¨vsK M¨vivw›U Bmy¨ Ki‡Z n‡j FY I AwMÖg wefvM-1 Gi gva¨‡g cÖavb Kvh©vj‡qi c •e©vby‡gv`b wb‡Z
n‡e| Pv evMv‡bi Aby‡iv‡a M¨vivw›U Bmy¨i †¶‡ÎI 5 eQ‡ii Rb¨ Bmy¨ Kiv hv‡e|
M¨vivw›U
Bmy¨KiY
t M¨vivw›U Bmy¨Kv※j wbæewY©Z welqvejx M¨vivw›UýZ D※jL Ki※Z n※et
(K) hveZxq Avewk¨KZv I kZ©vw` c –iY K※i h_v※hvM¨ KZ©‾c※¶i Aby※gv`b cÖvwßi ci cÖPwjZ
bgybv A_ev cvIbv`v※ii Pvwn`v bgybv Abyhvqx 150/-UvKvi bb& RywWwkqvj ó¨v※¤• kvLv e¨e ‟vcK I
2q Kg©KZ©vi ýhŠ_ ¯^v¶※i M¨vivw›U cÖ`vb Ki※Z n※e|
(L) ó¨v¤• LiP M¨vivw›U MÖnxZv enb Ki※eb|
33
(M) cÖwZwU M¨vivw›U ýh AvKv※i ev cÖKv※i Bmy¨ Kiv ※nvK Zv※Z wb※æv³ kZ©vejx mwbœ※ek Ki※Z
n※et
"GB M¨vivw›U.............. ZvwiL ch ©šÍ• ejer _vK※e| ýgqv` ýk※l ¯^qswµqfv※e GB M¨viw›Ui
ˆeaZvi Aemvb n※e| GB M¨vivw›U※Z AÎ e¨vs※Ki `vq `vwqZ¡ UvKv
...............(..............................................................) ch ©šÍ• • mxwgZ| GB M¨vivw›Ui
Aax※b ýKvb `vex _vK※j Dnv e¨vs※Ki wbKU me©※kl Bs............ Zvwi※Li g※a¨ ýck Ki※Z n※e|
wbw`©ó GB Zvwi※Li g※a¨ ýck Ki※Z e¨_© n※j `vex AMÖvn¨ n※e|
M¨vivw›U
bM`xKiY
t M¨vivw›U MÖnxZv M¨vivw›Ui ýgqv`Kv※j M¨vivw›Ui ¯^Z¡※fvMx (ýewbwdwkqvix)/ cvIbv`v※ii `vq c~i※Y
A¶g n※j mswkó ¯Z¡※fvMx/cvIbv`vi Zvi cvIbv Av`v※qi Rb¨ e¨vs※Ki wbKU h_vwbq※g I
h_vmg※qi g※a¨ `vwe DÐvcb Ki※eb| DÐvwcZ `vwei mwVKZv hvPvB K※i e¨vsK Zvr¶wYKfv※e
M¨vivw›U MÖnxZvi bv※g "Zjex FY" wnmve (wWgvÛ ýjvb) m‾wó K※i Zv ýWweU K※i M¨vivw›Ui
¯^Z¡※fvMx/cvIbv`v※ii `vexK…Z UvKv cwi※kva Ki※e| M¨vivw›U bM`vq※bi we¯@vwiZ c×wZ wbæiƒc
n※e t
(K) `vex wgUv※Z A¶g M¨vivw›U MÖnxZv※K D³ `vex wgUv※bvi Rb¨ GB g※g© ýbvwUk w`※Z n※e ýh,
ýbvwUk cÖvwßi 15 w`※bi g※a¨ Zvi Øviv mswkó cvIbv`v※ii c ~Y© `vq※`bv cwi※kva Kiv bv n※j Zvi
(M¨vivw›U MÖnxZvi) bv※g "Zjex FY" (wWgvÛ ýjvb) wnmve Ly※j Zv ýWweU K※i `vwe DÌvcbKvix
cvIbv`v※ii `vwe wgUv※Z e¨vsK eva¨ n※e| wbw`©ó GB 15 w`b mgq mxgvi g※a¨ M¨vivw›U MÖnxZv
`vex bv wgUv※j mswkó e¨vsK kvLv M¨vivw›U MÖnxZvi (gyL¨ ý`bv`vi) bv※g "1024 Zjex FY" wnmve
Ly※j `vwe DÐvcbKvix (cvIbv`vi) `vex wgUv※bvi gva¨※g M¨vivw›U bM`xKiY Ki※e| G※¶※Î
¯^Z¡※fvMx/cvIbv`v※ii wbKU n※Z g~j¨ e¨vsK M¨vivw›U ýdir wb※Z n※e| Zjex FY wnmve ýLvjvi
c~‡e © AwZ ª“ZZvi mv※_ we¯@vwiZ Z_¨ Rvwb※q cÖavb Kvh©vj※qi Aby※gv`b wb※Z n※e Ges wnmve
ýLvjvi ci welqwU M¨vivw›U MÖnxZv※K h_vmg※q AewnZ Ki※Z n※e|
(L) M¨vivw›U Bmy¨i mg※q M¨vivw›U MÖnxZv KZ…©K 214 gvwR©bvj wW※cvwRU GKvD›U G RgvK…Z K¨vk
gvwR©※bi UvKv D³ wnmve LvZ n※Z ýWweU K※i MÖnxZvi bv※g m‾ó 1024 Zjex FY wnmv※e ※µwWU
Ki※Z n※e| GB ýµwW※Ui ci Zjex FY wnmv※ei Aewkó cvIbv Av`v※qi Rb¨ M¨vivw›U MÖnxZv
(g~L¨ ý`bv`vi) KZ…©K cÖ`Ë RvgvbZ KvD›Uvi M¨vivw›U e※j e¨vsýKi cÖPwjZ wbq※g AvBbMZ e¨e ‟v
MÖnY Ki※Z n※e|
(M) M¨vivw›U MÖnxZvi bv※g m‾ó Zjex F※Yi Dci FY wnmve ýLvjvi ZvwiL n※Z m¤c•Y© FY Av`v※qi
ZvwiL ch©šÍ Pµe‾w× wfwË※Z evwl©K 12% (Ab¨vb¨ evwYwR¨K F※Yi bv※g hLb ýhgb cÖ※hvR¨) nv※i
my`v※ivc Ki※Z n※e| GB my` ˆÎgvwmK wfwË※Z Av※ivc※hvM¨ n※e| FY Av`v※qi Rb¨ M‾nxZ mKj
Kvh©µg/AvBbMZ e¨e¯‟v MÖnY eve` hveZxq LiP LvZK※K enb Ki※Z n※e|
(N) ýgqv`x Avgvb※Zi wecix※Z cÖ`Ë M¨vivw›U kZ© cwicvj※b e¨_©/ ev※Rqvß n※j M¨vivw›UK…Z UvKv
ýgqv`x AvgvbZ bM`xKi※Yi gva¨※g ýc AW©vi K※i cvIbv`vi※K cÖ`vb Kiv| G※¶※Î ýgqv`x
Avgvb※Z AwR©Z my` M¨vivw›U MÖnxZvýK cÖ`v※bi Rb¨ 41/10 G msi¶Y Ki※Z n※e| cÖ`Ë
M¨vivw›UK…Z UvKvi AwZwi³ UvKv A_©vr ýgqv`x AvgvbýZi cÖvc¨ AwR©Z my` M¨vivw›Ui mZ¡※fvMx
cvIbv`vi※K cÖ`vb Kiv hv※e bv|
34
wnmvevqb
c×wZ
t M¨vivw›U cÖ`v※bi mgq wbæwjwLZ wnmvevqb c×wZ AbymiY Ki※Z n※e t
(K) K¨vk gvwR©b wnmv※e RgvK…Z UvKv 214-gvwR©bvj wW※cvwRU GKvD›U G Rgv MÖnY I msi¶Y
Ki※Z n※e|
(L) e¨vsK M¨vivw›U Bmy¨i Zvwi※L M¨vivw›Ui c~Y© UvKvi Rb¨ GKwU ¯‟vbvšÍi fvDPvi (GwmGd-17)
cÖ¯ZyZ Ki※Z n※e| fvDPviwU※Z wb※æ ewY©Z wnmve Lv※Z ýjbý`b ý`Lv※Z n※e t
(1) ýWweU t 121/MÖvn※Ki `vq-ý`bvi M¨vivw›U|
(2) ýµwWU t 61/ Awb®•bœ e¨vsK M¨ivw›U|
(3) m¡vfvweKfv※e AemvwqZ n※j Dc※iv³ Gw›Uªi wifvm© fvDPvi Ki※Z n※e|
(4) MÖvn※Ki bv※g Zjex FY wnmve ýLvjvi ý¶Î D™ÿe n※j wbæiƒc ýjb※`b fvDPvi cÖ¯„zZ Ki※Z
n※e t
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wbŤqZv MÖnxZv※K ýbvwUk cÖ`v※bi Rb¨ A_ev cÖvmswMK wel※q AZ¨vek¨Kxq Kvh©µg MÖn※Yi wbwg※Ë
kvLv e¨e ‟vcK wb※R GB e¨vsK M¨vivw›U ýiwRóviwU cÖwZ gv※m Kgc※¶ 2( yB) evi K※i ch©v※jvPbv
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e※j MY¨ n※e| mgq mxgv AwZµv※š@i mv※_ mv※_B M¨vivw›Ui ¯^Z¡※fvMx cvIbv`vi※K
wjwLZfv※e Bmy¨K…Z M¨vivw›Ui ýgqv` ev Kvh©KvwiZv ýkl n※q※Q g※g© AewnZ Ki※Z n※e Ges
Zvi (¯Z¡※fvMx cvIbv`vi) wbKU n※Z M¨vivw›U MÖnxZv MÖvn※Ki gva¨※g ev cÖ※qvR※b mivmwi
ýhvMv※hvM K※i M¨vivw›Ui g~j Kwc ýdir MÖnY Ki※Z n※e| msM‾nxZ g~j M¨vivw›Ui Mv※q
¯•ófv※e "※gqv` ýkl" A_ev "AemvwqZ" wj※L Zv bw_fy³ K※i ivL※Z n※e| M¨vivw›Ui
ýgqv` ýkl nIqvi c ~※e©B hw` M¨vivw›U Aemvq※bi cÖ※qvRb ý`Lv ý`q ým※¶※Î Abyiƒc c×wZ
AbymiY Ki※Z n※e|
35
Aa¨vq-06
cÖkvmwbK cÖwµqvq FY SuywK e¨e ’vcbv
6.01t FY MÖnxZvi d‡jv Avc Ges ms‡kvabxg~jK c`‡¶ct
MÖvnK※`i mv※_ AvjvcPvwiZv Ges cÖKí cwi`k©b K※i cÖ※qvRbxq Z_¨ msMÖn Kiv GKwU RwUj Ges avivevwnK
cÖwµqv| FY`vZv※K FY cÖ`vb Kivi c ~※e© h_vm¤ÿe cÖKí cwi`k©b ev FY MÖnxZvi cÖwZôvb/KviLvbv cwi`k©b Kiv
¸i“Z¡c~Y©| KviYt
K. mgm¨v cÖvqkt gv※V ¯có nq|
L. mgm¨v cÖvqkt Avw_©K wee‾wZ※Z mvRv※bv _v※K|
M. F※Yi UvKv g~j D※Ïk¨ Qvov Ab¨ D※Ï※k¨ e¨envi K※i|
F※Yi AvKvi I SuywK ýiwUs Gi Dci wbf©i K※i e¨vsK※K FYMÖnxZvi mv※_ cÖwZ ˆÎgvwm※K GKevi Av※jvPbv
Kiv DwPZ| GRb¨ e¨vsK※K wb¤œwjwLZ c`※¶c MÖnY Ki※Z n※et
1. FYMÖnxZvi mv※_ Av※jvPbv Kivi Rb¨ GKwU mgqm~wPi cwiKíbv cÖYqb |
2. mswkó cÖ※qvRbxq mKj Z_¨ msMÖnKiY|
3. FY ※kªYxweb¨vm Gi Dci wbf©i K※i cÖKí KZevi cwi`k©b Kiv n※e Zv wba©viY| cÖwZK~j ※kªwYweb¨vm n※j
evievi cwi`k©b Ki※Z n※e|
GQvovI e¨vsK Zvi AwZwi³ mveavbZvi Rb¨ FYMÖnxZvi Avw_©K ¯‟vwq※Z¡i cÖwZ we※kl j¶¨ ivL※e| jvfRbKZv,
BKzBwU, wjfv※iR Ges Zvi※j¨i cÖavb Avw_©K Kg©¶gZvi wb※`©kK mg~n※K we※klY Ki※Z n※e| G ai※bi we※kl※Yi
ý¶※Î e¨emvwqK SuywK, wkí ý¶※Î FYMÖnxZvi Ae¯‟vb Ges ewnivMZ KviYmg ~n ýhgbt A_©‿bwZK Ae ‟v, miKvix bxwZ
I wbqgKvbyb BZ¨vw` we※ePbv Ki※Z n※e|
e¨vs※Ki eZ©gvb FYMÖnxZvi ý¶※Î KZ…©c¶※K FYMÖnxZvi wnmve weeiYx, FY cwi※kv※ai BwZnvm I m※ev©”P FY
mxgv e¨envi Kivi welqwU fv※jvfv※e wbix¶Y Kiv DwPZ| PjwZ g~jab FY ev ýUªW e¨emvi ý¶※Î e¨vsK※K Aek¨B
Due date K※e Zv c~e ©B wbwŤZ Ki※Z n※e Ges wejwUi ýgqv※`vËxY© K※e n※e Zv ch©※e¶Y Ki※Z n※e|
e¨vsK※K wbqwgZ FYMÖnxZv※`i FY cwi※kv※ai Avw_©K ¶gZv, FY Pzw³※Z Pzw³cÎ Abyhvqx mKj kZ© ýg※b Pj※Q
wKbv Zv ch©※e¶Y Ki※Z n※e Ges ýKv※bv wKQz j•Nb kbv³ n※j Zv Awej※¤ FYMÖnxZvi mv※_ Avjvc K※i mgvavb
Ki※Z n※e|
6.02t ¯Zš¿ Af¨š@ixY FY ch©v‡jvPbv Ges FY SuywK †iwUs cwieZ©b t
FY SuywK e¨e¯‟vcbvq ¯^vaxb Af¨š@ixY FY ch©v※jvPbv GKwU RwUj aviYv|
K. FY ch©v※jvPbv ebvg FY ch©※e¶Yt
FY ch©v※jvPbv GKwU ※KŠkjMZ cÖwµqv Ges †vd dvskbt-
1. Z‾Zxq c※¶i Øviv m¤cbœ nq ( FY Awdmvi Øviv bq)|
2. c‾_K FY I FY ýcvU©※dvwjI Gi ch©v※jvPbv Ges g~j¨vqb Aš@©fy³ Ki※Z n※e|
3. mvgwMÖKfv※e FY ýcvU※©dvwjI g~j¨vqb Kivi cÖ※Póv|
4. FY ýcvU©※dvwjI Gi gva¨※g K※cv©※iU ※KŠkjMZ D※Ïk¨ AR©※bi Rb¨ mycvwik Kiv|
FY ch©※e¶Y GKwU ※KŠkjx cÖwµqv ev GKwU Kvh©c×wZ hv -
1. FY Awdmvi Øviv Kvh© m¤cv`b Kiv|
2. FYMÖnxZv※K AbymiY Kiv, cÖ※qvRb bv n※j F※Yi cwigvY n«vmKi※Yi Rb¨ ch©※e¶Y Ges h_vmg※q FY
cwi※kv※ai Rb¨ ZvMv`v ý`qv|
36
L. FY ch©v※jvPbvi D※Ïk¨t
1. FY ýcvU©※dvwjIi cÖwZwU F※Yi FYgvb g~j¨vqb Kivi Rb¨ wi¯‹ ýiwUs wba©vi※Yi GKwU ¯^vaxb g‽j¨vqb
c×wZ wba©viY Ki※Z n※e|
2. FY ýjvKmvb I ch©vß wiRvf© wbY©※q wb※¤œv³ welq mg ~n we※ePbv Ki※Z n※e-
K. HwZnvwmK FY n«vm Ges cybi“×v※ii AwfÁZv |
L. FY ýjvKmvb Ges Av`vq AbygwZ|
M. mgm¨vRwbZ F※Yi ch©v※jvPbv |
N. mvwe©K ýcvU©※dvwjI gvb|
O. eZ©gvb Ges D※cw¶Z A_©‿bwZK Ae¯‟v |
P. e¨vs※Ki Avq e‾w×i gva¨※g loan loss msi¶※Yi ¶gZv AR©b Kiv|
3. cÖeYZv/※UªÛ wbY©qt
K. FY ch©v※jvPbvi cÖeYZv/※UªÛ `–i`k©xZv c~Y© n※Z n※e Ges m¤ÿve¨ mgm¨vi ý¶Î¸※jv kbv³ Kivi Rb¨
ýPóv Ki※Z n※e| GmKj KviY cix¶vi ci FYgvb, F※Yi cÖkvm※bi Kg©KZ©v※`i gvb, FY ýK›`ªxKiY Ges A_©‿bwZK
`ye©jZv ch©v※jvPbv Ki※Z n※e|
L. eZ©gvb ch©v‡jvPbv KivB h‡_ó bq KviY e¨vswKs Kvh©µg ¯’wei bq eis MwZkxj, e¨emv
cwieZ©bkxjZvi mv‡_ ch©v‡jvPbv c×wZ‡ZI cwieZ©b Avb‡Z n‡e |
4. mgm¨v wPwýZKiY t
K. FY †K›`ªxqKiY mgm¨vi ms‡KZ †`q|
L. mgm¨vmg~n wPwýZKiY Ges mgm¨v¸‡jvi Drm wPwýZKiY Riæix |
M. FY cÖkvmb/ch©‡e¶Y `~e©jZv|
5. FY bxwZ, AvBb I cÖweavb Gi g~j¨vqb t
K. c„_K FY ¸‡jvi FY bxwZ, AvBb I cÖweavb Gi g‡a¨ wKbv ?
L. †K‡bv AvBb jsNb Kiv n‡”Q wKbv |
M. G‡¶‡Î AvBb cÖwZcvjb bv Kivi c¨vUvb© i‡q‡Q wKbv ?
1. e¨vs‡Ki FY bxwZgvjvwU ev¯Íe m¤§Z bq ev GwU cwieZ©b Kiv DwPZ
2. FY Kg©KZ©v‡`i AwZwi³ cÖwk¶‡Yi cÖ‡qvRb i‡q‡Q|
6. jvfRbKZv I Znwej e¨e¯’vcbvi D‡Ï‡k¨ †cvU©‡dvwjI g~j¨vqb|
K. cÖwZwU F‡Yi c„_K c„_K jvfRbKZv wba©viY Kiv |
L. mvgwMÖKfv‡e m¤c~Y© FY †cvU©‡dvwjI Gi jvfRbKZv wba©viY Kiv |
7. FY cÖkvmb I Kg©KZ©v‡`i Kg©KvÛ g~j¨vqb Gi Rb¨ wb‡¤œv³ wel‡qi Dci g‡bv‡hvM wbeÜ Ki‡Z n‡e t
K. FY bxwZgvjv|
L. FY Aby‡gv`b c×wZ|
M. Pjgvb FY ch©v‡e¶Y|
N. mgm¨vMÖ¯@ F※Yi cÖkvmwbK e¨e¯‟vw`|
O. cÖ※Z¨K F※Yi c‾_K c‾_K ch©v※jvPbv | cÖ‡qvRb‡ev‡a bxwZgvjv Dbœq‡bi R‡b¨ mycvwik Ki‡Z n‡e| FY
ch©v‡jvPbv ïaygvÎ F‡Yi gv‡bi Dbœq‡bi R‡b¨ bq eis FY e¨e ’vcbv cÖwµqv, FY †cvU©‡dvwjIi gv‡bi Dbœqb, FY
†cvU©‡dwjIi jvfRbKZvi w`‡K g‡bv‡hvM wbe× Ki‡Z n‡e|
M. FY ch©v‡jvPbvi cÖavb Dcv`vbmg~n t
1. Da©Zb e¨e¯’vcbv KZ©©„c‡¶i mn‡hvwMZv
K. ev¯@eag ©x
L. wek¦vm‡hvM¨Zv
FY ch©v‡jvPbv welqwU cwiPvjbv cl©‡`i c¶ †_‡K wi‡cvU© AvKv‡i Da©Zb e¨e¯’vcbv KZ©©„c‡¶i mg_©b hy³ n‡Z n‡e|
ev¯@eag©x A‡bKUv RwUj I msKUc~Y©| Da©Zb e¨e¯’vcbv KZ©©„c¶ Zv wba©viY K‡i _v‡K| cvëv Awf‡hvM/cÖwZK~j Ae¯’v
I AevwÂZ Z_¨ bv w`‡q GB wm×vš@ mswkøó mK‡ji gZvg‡Zi wfwˇZ n‡Z n‡e|
37
2. wek¦vm‡hvM¨Zv t
wekŢvm※hvM¨Zv AZ¨vek¨K| GKwU fv※jv FY ch©v※jvPbv `j civgk©K wn※m※e KvR K※i, mgm¨v¸※jv wPwŦZ
K※i I m¤ÿve¨ mgvav※bi mycvwik K※i _v※K| FY ch©v※jvPbv Kg©x※`i ýhvM¨ Ges AwfÁ n※Z n※e| FY ch©v※jvPbv
m¤ÿve¨ FY Kg©x※`i PgrKvi cÖwk¶※Yi Dcv`vb wn※m※e KvR K※i|
N. mvsMVwbK I cÖwZ‡e`‡bi †¶‡Î we‡eP¨ mg~nt
FY ch©v‡jvPbv mvaviYZ ¯vaxb GKwU KvR ev e¨vs‡Ki mvgwMÖK wbix¶v Kv‡Ri GKwU Ask| g~jZ GwU
e¨vs‡Ki cwiPvjbv cl©‡`i wbKU wi‡cvU© cÖ`vb K‡i _v‡K| GKwU ¯^vaxb FY ch©v‡jvPbv wefv‡Mi g~j D‡Ïk¨ n‡jv
e¯‘wbôZv AR©b| GB †¶‡Î GUv Lye ¸iæZ¡c~Y© †h, FY ch©v‡jvPbv Kgx©‡`i‡K D³ Kv‡R Dchy³ n‡Z n‡e Ges FY
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bv|
O. FY ch©v‡jvPbv wK fv‡e f~wgKv cvjb Ki‡Z cv‡it-
‡K, Kviv, KLb, KZ mg‡qi g‡a¨ Ges wK cwigvY Rbej wb‡q ch©‡jvPbv Kiv n‡e Zv wba©viY Ki‡Z n‡e|
e¨vs‡Ki mvgMÖxK FY †cvU©‡dvwjI ch©v‡jvPbv Ki‡Z n‡e|
b~b¨Zg F‡Yi cwigvY wba©viY K‡i Zv ch©v‡jvPbv Ki‡Z n‡e|
cwimsL¨v‡bi wfwˇZ G‡jv‡g‡jv fv‡e FY m¨vw¤cwjs Ki‡Z n‡e|
m‡›`nRbK ‡K›`ªxKiY wkí LvZ‡K wPwýZ Ges cix¶v Ki‡Z n‡e|
wbw`©ó Avw_©K •ewkó¨ wewkó MÖvnK‡`i†K hvQvB evQvB Ki‡Z n‡e ‡hb †Ljvcx Avq, my` ms‡e`bkxj
FYMÖnxZvi D‡Ïk¨ mva‡bi Rb¨ wkí Lv‡Zi Av`k© gvb†K Qvwo‡q hvq|
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cix¶v Ki‡Z n‡e|
FY ch©v‡jvPbv SuywK †iwUs Gi wfwˇZ cybvive„wË Ki‡Z n‡e| D”P SuywK m¤cbœ kvLv n‡j NbNb FY
ch©v‡jvPbv Ki‡Z n‡e|
ms‡kvab g~jK e¨e¯’v MÖn‡Yi Rb¨ †h mKj kvLvq mycvwik Kiv n‡q‡Q Zv‡`i†K Dchy³ gwbUwis Gi g‡a¨
ivL‡Z n‡e|
FY wefv‡Mi FY ch©v‡jvPbv mfvq F‡Yi g~j¨ cwi‡kv‡ai m~wP, g~j¨ wba©viY, Znwej e¨e¯’vcbvi j¶¨ I
Dchy³ ch©‡e¶Y wel‡q Av‡jvPbvi mgq FY ch©v‡jvPbv KwgwUi mKj m`m¨ †K Dcw¯’Z _vK‡Z n‡e|
P. FY ch©v‡jvPbvi g~j welqt
c„_K FY cix¶v Kivi mgq 5 wU welq g~j¨vqb Kiv DwPr
F‡Yi gvb
WKz‡g‡›Ukvb/`wjjvqb
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g~j¨ wba©viY Ges Znwej e¨e ’vcbvi D‡Ïk¨mg~n
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Q. F‡Yi gvb t
F※Yi gvb 3 wU ýgŠwjK cÖkœ Øviv wbY©q Kiv hvq t
GB FYwU Øviv FY`vZv Avjv`v ýKv※bv SuywK Abyfe K※ib wK bv ?
kZ©vbyhvqx F※Yi A_© ýdir cvIqvi m¤ÿvebv Av※Q wK bv ?
eZ©gvb ch©※e¶Y e¨e¯‟v ch©vß wK bv ?
GKwU SuywK g~j¨vqb e¨e¯‟vq hZUv m¤ÿe ˆelwqK Dcv`vb e¨envi Kgv※Z n※e| GKwU FY cix¶vi mgq FY
ch©v※jvPbvi welqwU FY `vZv KZ©‾K wba©vwiZ SuywK ýiwUs wbwŤZ Ki※Z n※e bZzev Zv cwieZ©b Ges D³ cwieZ©b
ev¯@evqb Ki※Z n※e|
38
R. `wjj i¶Yv‡e¶Y t
FY weZiY, h_vh_ `wjjvqb Ges m¤cvw`Z `wjjmn F‡Yi g~j bw_ kvLvq, Qvqvbw_ Ab¨vb¨ mswkøó Kvh©vj‡q
msi¶Y Ki‡Z n‡e| wba©vwiZ †iwRóv‡i mymse×fv‡e wjwce× K‡i e¨e¯’vcK I †Kvlva‡¶¨i wR¤§vq ‡h․_fv‡e Zvjve×
Ae¯’vq ivL‡Z n‡e| K‡c©v‡iU kvLvmg~‡ni †¶‡Î `vwqZ¡cÖvß Kg©KZ©vMY ‡h․_fv‡e G `vwqZ¡ cvjb Ki‡e| wmwKDwiwU
`wjjvw` AwMœ SuywK gy³ †÷v‡i K‡Vvi wbqš¿‡Y I wbivcËvq e¨vs‡Ki cÖPwjZ wbqgvbyhvqx msi¶Y Ki‡Z n‡e| †iKW©
e¨e ’vcbv I FY bw_ msi¶Y cÖm‡½ FY I AwMÖg wefvM-1 Gi g¨vby‡qj Ges c‡Îi wb‡`©kbv cwicvjb Ki‡Z n‡e|
exgv‡hvM¨ m¤cwËi Rb¨ Comprehensive exgv cwjwm wb‡Z n‡e Ges mwVK mg‡q bevqb Ki‡Z n‡e| G †¶‡Î
miKv‡ii A_© gš¿Yvj‡qi e¨vswKs wefv‡Mi AvM÷ 15, 1995 Zvwi‡Li Ag/e¨vwe/bxwZ-6/4/95/165 Ges evsjv‡`k
K…wl e¨vs‡Ki kvLv wbqš¿Y I e¨emv Dbœqb wefv‡Mi †m‡Þ¤i 4, 1995 Zvwi‡Li Acv‡ikb cwicÎ bs-84/95
K‡Vvifv‡e AbymiY Ki‡Z n‡e|
S. RvgvbwZ m¤cwËi `ª“Z g ~j¨ bM`vqb t
RvgvbwZ m¤cwËi cÖvmw½K g~j¨ n※jv D³ m¤cwË wK `v※g bM`vqb Kiv hvq| KviY FYwU cwi※kva Kivi Rb¨
ch©vß bM` A※_©i cÖ※qvR※b RvgvbZ `iKvi| RvgvbwZ m¤cwËi ewntg ~j¨ A_©nxb| F※Yi RvgvbZ MÖn※Yi/m¤cK©xZ
Kv※Ri mv※_ mswkó e¨w³eM©ýK wb※q FY ch©v※jvPbv Ki※Z n※e, hv※`i RvgvbwZ m¤cwË m¤c※K© wKfv※e bM`vqb
Ki※Z nq ým Ávb Av※Q Zv※`i※K GB Kv※Ri mv※_ m¤cK©hy³ ivL※Z n※e| ev @ewfwËK RvgvbZ MÖnYKv※j Z…Zxqc※¶i
gZvgZ AZ¨š@ `vwqZ¡kxjZvi mv※_ MÖnY Ki※Z n※e hv※Z `vwqZ¡kxjZvi mwnZ FY RvgvbZ m¤cK© FY`vZv Øviv
cwiPvwjZ nq |
6.03t mgm¨vMÖ ’ m¤c` mgqgZ wPwýZ KiYt
mvaviY gvb Abyhvhx F‡Yi RvgvbZ ev RvgvbZ wenxb †gqv‡`vËxY© FY I Ab¨vb¨ Kvi‡Y GKK FY ev mgwóMZ
F‡Yi cÖwfkb cÖej fv‡e Ach©vß †_‡K hvq wKš‘ mgm¨vMÖ ’ FY wPwýZ KiY I ch©vß cÖwfkb ivLvi cÖ‡qvRb wQj|
AvšÍR©vwZK Avw_©K wnmv‡e gvb I Avw_©K m¤c‡`i cwigvY †kªYxweb¨v‡mi Dci cÖwfkb ivLv Riæix|
e¨vsK hLb Zvi FY mg ~n ch©v※jvPbv I ※kÖYxweb¨vm K※i ZLb H mg @ FYMÖnxZv※`i m¤c※K© mZK© _vKv DwPr|
hv※Z Zviv fwel¨※Z Avw_©K mgm¨v m‾wói gva¨※g ý`※ki mvgwóK A_©bxwZ, wkí I cÖwZ※hvwMZv g~jK cwi※ekýK ¶wZMÖ ‟
bv KiýZ cv※i| GB e¨vcv※i evsjv※`k e¨vs※Ki gvóvi mvK©yjvi-14 ZvwiL 23-09-2012 welq ÒÒFY ýkªYxweb¨vm Ges
cÖwfkwbsÑ msµvš@ welqvw` h_vh_fv※e AbymiY Ki※Z n※e|
Av※iv wbw`©ó fv※e ej※Z ýM※j GKwU FY wKfv※e mgm¨vMÖ¯‟ F※Y cwiYZ nq Zv wb¤œwjwLZ mZK©Zv ms※KZ mg ~n
※_※K e¨vsK c~e ©vfvm wnmv※e we※ePbv Ki※Z cv※it-
K. `wjjvq‡b `ye©jZv (Documentation Weakness) t
Dchy³ miKvix wefv‡Mi mwnZ RvgvbwZ Pzw³ ev wbivcËv Pzw³ `v‡qi Ki‡Z e¨_© nIqv|
RvgvbwZ m¤cwË n¯ÍvšÍ‡i mgm¨v|
†gqv‡`vËxY© ZvwiL hy³ M¨vivw›U MÖnY Kiv|
AvBbMZ Ae¯’vi cwieZ©b nIqv|
Abby‡gvw`Z K‡c©v‡iU/Askx`v‡ii ¯^v¶i bv ‡bqv/m¤cv`b bv Kiv|
L. RvgvbwZ m¤cwËi ¶q (Collateral Deterioration) t
evRvi †K›`ªxK RvgvbwZ m¤cwËi g~j¨ cwieZ©b
my‡`i nvi e„w×i Kvi‡Y Avevmb Lv‡Z wewb‡qvM Kg
cÖhyw³MZ AMÖMwZ
Awdm miÄvg I gRy`gv‡ji AePq nvi e„w×
Avevmb Lv‡Z Ki nvi e„w×
cÖvK…wZK `y‡h©vM
RvgvbwZ m¤cwËi cPb ev Ace¨envi|
39
M. FY m¤cªmvwiZKiY I F‡Yi jvBb Gi m‡e©v”P e¨envi t
FY MÖnxZv KZ©„K cÖwZgv‡m F‡Yi jvBb m‡e©v”P e¨envi
FY Pzw³ Abyhvqx Avw_©K †jb‡`‡b e¨_©Zv
Avmj I my` cwi‡kv‡a e¨_©Zv ev wej¤^ KiY
Ifvi Wªvd&‡Ui e¨envi/PjwZ wnmv‡e e¨v‡jÝ bv _vKv
Ab¨vb¨ FY `vZvi wbKU F‡Yi AbymÜvb
wnmve i¶Y Kg©KZ©v cwieZ©b|
N. mgm¨vMÖ ’ F‡Yi Ab¨vb¨ Bw&½Z
Avw_©K wee„wZ cÖvw߇Z wej¤^
e¨e ’vcKxq/e¨e ’vcbv KZ©„c‡¶i cÖwZkÖywZ cvj‡b e¨_©Zv/wej¤
Da©Zb e¨e¯’vcbvi c`Z¨vM/cwieZ©b
Da©Zb e¨e¯’vcbv KZ…©K †Uwj‡dvb bv aiv ev †diZKj bv †`Iqv
6.04t FY SuywK cwiPvjbvq cÖwfkb Gi f‚wgKv t
FY ¶wZi cÖwfkb Gw›UªwU e¨vs‡Ki e¨v‡jÝkx‡Ui `v‡qi w`‡K cÖ`k©b Kiv nq| cÖ‡Z¨KwU F‡Yi cÖZ¨vwkZ ¶wZi
†hvMdjB GB cÖwfkb cÖwZdwjZ nq| mvaviY cÖwfkwbs cÖ‡qvM Kiv nq FY †cvU© dwjI Gi A‡kÖYxK…Z FY, Gm Gg G
F‡Yi wnmv‡e hv fwel¨‡Z wb¤œMvgx n‡e e‡j g‡b Kiv nq Ges H mg @ FY wnmv‡ei Dci wbw`©ó nv‡i cÖwfkb Ki‡Z
nq| †kÖYxK…Z FY c„_K c„_K †kÖYx‡Z wef³ K‡i cÖ‡Z¨KwU wnmv‡e cÖZ¨vwkZ †jvKmvb wnmvevqb K‡i wbw`©ó nv‡i
cÖwfkb ivL‡Z nq|
w¯’wZc‡Îi jvf-¶wZi weeiYxi †gvU Avq n‡Z F‡Yi ¶wZ wnmv‡e we‡ewPZ AskwU ev` †`Iqv nq hv Avgiv
cÖwfkb wnmv‡e Rvwb| GB cÖwfkb F‡Yi SuywK cwiPvjbvq Acwinvh© f‚wgKv cvjb K‡i| wbfy©jfv‡e cÖwfkb Kiv Qvov
wbw`©ó ai‡Yi F‡Yi †¶‡Î SuywK we‡ePbv/mgšqK…Z wfwˇZ wewb‡qvM jvfRbK wKbv Zv cwiPvjbv cl© I Da©Zb
KZ©„c¶ m¤c~Y©iƒ‡c Rvb‡Z cv‡i bv| e¨vs‡Ki Znwej GB mg Í AjvfRbK Kvh©µ‡g LiP bv K‡i Av‡iv jvfRbK
Kvh©µ‡g wewb‡qvM Kiv †hZ| hw` F‡Yi AwZg~j¨vqb Kiv nq Z‡e e¨vs‡Ki w¯’wZc‡Î g~jab I AwZg~j¨vwqZ n‡e| d‡j
e¨vs‡Ki ~j©f Avw_©K m¤c` I SyuwK e¨e ’vcbvi mKj Kvh©µg hvi mv‡_ g~ja‡bi m¤cK© Av‡Q Zv‡Z n @‡¶c Kiv
n‡e| ‡evW© I e¨vs‡Ki Da©Zb e¨e¯’vcbv KZ©„c¶‡K cÖwfkwbs m¤c‡K© mRvM _vK‡Z n‡e| KviY GB cÖwfkwbs e¨s†Ki
`xN©‡gqv`x AR©‡b weivU cÖfve †d‡j|
40
Aa¨vq -07
FY SuywK e¨e¯’vcbv Z_¨ c×wZ
7.01t FY SuywK e¨e¯’vcbvq h_vh_ e¨e¯’vcbv Z_¨ c×wZ (MIS) t
e¨e¯’vcbv Z_¨ c×wZ (MIS) mg‡qvc‡hvMxZvi wfwˇZ e¨vs‡Ki FY †cvU©‡dvwjI Gi LvZ wfwËK/LwÛZ Ask
cl© I EaŸ©Zb e¨e¯’vcbv KZ©„c¶‡K gvbm¤cbœ wbfy©j Z_¨ †cÖiY Ki‡e hv‡Z K‡i e¨e¯’vcbv KZ©„c¶ GB Z_¨ Gi
wfwˇZ eZ©gvb I fwel¨r Gi wK wK SuywK Av‡Q Zv we‡kølY Ki‡Z nq Ges e¨e ’vcbv KZ©„c¶ FY e¨emvq gybvdvi Rb¨
`vqe× _v‡K |
e¨vs‡K Aek¨B mwVK I wbfz©j WvUv‡eBm _vK‡Z n‡e Ges Zv msi¶Y Ki‡Z n‡e| GB WvUv‡e‡R mKj RvgvbwZ
m¤cwËi I wbivcËv Bb÷ªy‡g‡›Ui mKj Z_¨ _vK‡e/ Z_¨aviY welqwU my¯cófv‡e FY wb‡ ©kbv g¨vbyqv‡j Aš@fz©³
_vK‡Z n‡e| Z_¨ msi¶Y c×wZ I MIS) F‡Yi gvb I g‡Wj Dbœqb mnRZi Kivi Rb¨ hLbB cÖ‡qvRb n‡e ZLbB
ch©vß cwigv‡Y msi¶Y Ki‡Z n‡e|
gvwmK wfwˇZ wb¤œwjwLZ wb‡`©kK¸‡jv (msL¨v I cwigv‡Y hLb hv cÖvmw½K) Aek¨B wPwýZ Ki‡Z n‡e ev
c~‡e©i wPý ivL‡Z n‡e mKj FY cY¨ (GKK ev m¤c~Y© †cvU©‡dvwjI) Gi Rb¨|
7.02t Booking Management Information System t
1. Av‡e`bcÎ MÖnY I cÖwµqvRvZKiY
2. Av‡e`bcÎ Aby‡gv`b/cÖZ¨vL¨vb
3. Aby‡gv`b nvi I Mo FY Aby‡gv`b †¯‥vi mxgv
4. bZzb F‡Yi msL¨v I cwigvY
5. e¨vsK cwiPvjK‡`i FY Z_¨
6. FY Av‡e`b cÖZ¨vL¨v‡bi KviY wjwce×KiY
7. FY evwZ‡ji D”P nvi/bxwZ evwZj Kiv
7.03t †cvU©dwjI MIS t
1. mxgv n«vm/ e„w× I bevqb
2. Ae¨eüZ I Aby‡ËvwjZ F‡Yi cwigvY
3. ¶q (Hw”QK ev AbHw”QK)
4. bxU my‡`i Avq %, bxU wd Avq %, cwiPvjbvMZ gybvdv, e¨emvwqK Avq, SuywK mn Avq †di‡Zi nvi
(G¸‡jv cy‡iv †cvU©dwjI Gi Rb¨ e¨eüZ n‡e)
5. cÖ_g wKw¯Í †Ljvcx ev cÖ_gev‡ii g‡Zv †Ljvcx
6. SuywK wfwËK MÖvnK‡`i Exposure
7. cÖviw¤¢K mZK©Zv wi‡cvwU©s, †kÖYxK…Z F‡Yi wi‡cvwU©s, Loan loss FY †Ljvcx, †h mg¯@ F‡Yi Rvgvb‡Zi
g~j¨ wePz¨wZ n‡q‡Q Zvi weeiYx
8. evwl©K weeiYx we‡kølY I GKvD›U e„w× Kivi e¨e ’v (gvm wfwËK)
9. ‡gvU FY Ae‡jvcb, bZzb cÖwfkb †hvM, Av`vq, bxU Kz-FY, cÖwfkb e¨v‡jÝ
10. eÜKx m¤cwËi cyY`©L‡ji AwaKvi Kivi weeiYx
11. cwi‡ekMZ Kvi‡Y NPL n‡q‡Q Zvi Data base
12. mvgvwRK I cwi‡ekMZ SuywK †iwUs wfwËK MÖvnK‡`i wef³KiY
13. mvgvwRK I cwi‡ekMZ SuywK †iwUs wfwËK MÖvnK‡`i †cvU©dwjIi WvUv‡eBR/MIS
14. gvwmK wfwˇZ Loan set off Gi Z_¨ msMÖnKiY I KviY we‡klY
15. DLA Gi wfwˇZ F‡Yi Kg©¶gZv cÖwZ‡e`b
41
7.04t Segmentation of MISt
e¨vs‡Ki GKK FY ev m¤c~Y© †cvU©‡dvwjIwUi wb¤œwjwLZ wb‡`©kK Abyhvqx cÖ‡qvR‡bi wfwˇZ ev cÖvmw½KZv Abyhvqx
wi‡cvU© •Zwi Kivi g‡Zv ¶gZv _vK‡Z n‡e |
1. g‚j F‡Yi cwigvY ev F‡Yi LvZ Abyhvqx
2. SuywK †Kvi wi¯‥ wfwˇZ
3. F‡Yi D‡Ï‡k¨i wfwˇZ
4. Rvgvb‡Zi wfwˇZ (AvswkK/m¤c~Y©/bvB)
5. FY MÖnxZvi ‡cÖvdvB‡ji wfwˇZ
6. F‡Yi `vqe×Zvi wfwˇZ
7. F‡Yi AvKvi I ¸i“Z¡ Abyhvqx
8. †f․‡MvwjK Ae¯’v‡bi wfwˇZ
9. e¨vsK FY MÖnxZvi m¤cK© Turnover Gi wfwˇZ
10. SBS code Abyhvqx wk‡íi wfwˇZ
11. LvZ wfwËK / wkí wfwËK/ cY¨ wfwËK FY Aby‡gv`b ebvg m`¦¨envi ebvg FY w¯’wZ
12. Aby‡gv`b‡hvM¨ mxgvi m`¦¨envi (‡gqv`x FY/ PjwZ g –jab)
13. SuywK wbf©i Kg©¶gZvi wbix¶Y
14. wewfbœ MÖvnK‡`i MÖæc wfwËK Kg©¶gZvi wi‡cvU©
15. †µwWU †U÷ wi‡cvU©
16. cY¨ wfwËK cÖPvivwfhvb wi‡cvU©
mKj m~PK Gi Zyjbv Ges ch©v‡jvPbv, AZx‡Zi Kg©¶gZv, cÖZ¨vwkZ djvdj I cÖwZ‡hvwMZvi gvÎv wfwËK
n‡e| cÖK…Z Kg©¶gZv I ms‡kvwaZ cÖZ¨vkv Abyhvqx fwel¨‡Zi Rb¨ c~e©vfvm nvjbvMv` Ki‡Z n‡e|
7.05t F‡Yi cÖKvi, MÖvnK‡`i cÖKvi, cÖK…wZ, †iwUs †MÖW, wkí ev †m±i Abyhvqx, Rvgvb‡Zi aiY Abyhvqx c„_K c„_K
FY †K›`ªxKiY, `„wó‡MvPi Kivi Rb¨ cÖ‡qvRbxq WvUv/ Z_¨ msMÖnKiYt
e¨vsK Zvi cÖ‡qvR‡b mg¯@ F‡Yi cÖKvi, MÖvnK‡`i cÖK…wZ, †iwUs †MÖW, wkí ev †m±i Abyhvqx, Rvgvb‡Zi aiY
Abyhvqx c„_K c„_K FY †K›`ªxKiY Kivi Rb¨ mKj Z_¨ Avjv`v Avjv`vfv‡e msi¶Y Ki‡e hv‡Z K‡i cÖ‡qvRb
†gvZv‡eK Z_¨ e¨envi K‡i c„_K c„_K FY †K›`ªxKiY Ki‡Z cv‡i|
Dch©y³ welq¸‡jvi Kvi‡Y †h FY wefvRb RwbZ ¶wZi m¤§y¶xY nq Zv AeMZ nIqvi Rb¨ ch©vß cwigvY Z_¨
mieivn Ki‡Z n‡e| F‡Yi cÖKvi I mKj Lv‡Zi gva¨‡g FY †cvU©†dvwjIi wef³ K‡i LvZ/ cÖKvi wfwËK ‡h FY ¶wZ
nq Zv e¨vsK Aek¨B msi¶Y Ki‡e| WvUv‡eR Dbœqb I i¶Yv‡e¶Y Ki‡Z n‡e wb¤œwjwLZ wZbwU Kvi‡Yt-
1. cÖZ¨vwkZ ¶wZ FY n«v‡mi Rb¨ cÖwfkb I g~j¨ wba©vi‡Yi †¶‡Î FY cÖ`v‡bi mgq fv‡jvfv‡e Abygvb
Kiv|
2. HwZnvwmKfv‡e ‡h mKj Lv‡Z FY cÖ`vb AjvfRbK †mme Lv‡Z FY †`qv †_‡K cl© I e¨e¯’vcbv
KZ„©c¶‡K weiZ ivLv|
3. e¨v‡mj-3 Abyhvqx wi¯‥ I‡q‡UW G‡mU wbY©q K‡i cÖ‡qvRbxq g~jab wba©viY Kivi †¶‡Î Internal
Rating Based Approach AbymiY Ki‡Z n‡e| A_©‣bwZK g–jab wbY©‡qi †¶‡Î c„_K c„_Kfv‡e
e¨vsK I mvgwMÖK e¨vswKs e¨e ’vi wnmvevqb Ki‡Z n‡e| e¨vsK Aek¨B ‣ÎgvwmK wfwˇZ LvZ wfwËK
FY I wkí wfwËK wb¤œwjwLZ Z_¨ msi¶Y Ki‡et-
42
4. ‣ÎgvwmK wfwËK wK cwigvY g~j UvKv FY Ae‡jvcb Kiv n‡q‡Q (cywÄf~Z cÖvc¨ my` ev` w`‡q)|
5. ‣ÎgvwmK G eÜ nIqv Ae‡jvcbK…Z F‡Yi mv‡_ m¤cwK©Z RvgvbwZ m¤cwËi g~j¨ Abygvb Kiv,
DcwefvR‡b wef³ Ki‡Z n‡e t-
K. RvgvbwZ m¤cwË hv B‡Zvg‡a¨ e¨vsK cyY`©Lj K‡i‡Q|
L. RvgvbwZ m¤cwË hv B‡Zvg‡a¨ e¨vsK cyY`©Lj Ki‡Z cv‡iwb|
M. Ae‡jvcbK…Z F‡Yi †¶‡Î mywbw`©ó cÖwfkb hv Ae‡jvc‡bi mgq ev` †`qv n‡q‡Q|
N. ‣ÎgvwmK G FY Ae‡jvc‡bi mgq bM` Av`vq|
O. e¨vs‡Ki `LjK…Z RvgvbwZ m¤cwË weµq Kivq jvf A_ev ¶wZ|
7.06t Periodic Stress Testing :
Stress Testing n‡jv FY SuywK e¨e ’vcbvi GKwU mwµq Dcv`vb hvi gva¨‡g c„_K c„_K FY I mvgwMÖK FY
†cvU©‡dvwjI wewfbœ kZ©vejx‡Z FYMÖnxZv‡`i cwiPvjbv| D‡jøL‡hvM¨ cwieZ©b nq Zvi wfwˇZ wK ai‡Yi FYvZ¡K
cwieZ©b n‡e Zv Rvbv hvq|
G ai‡Yi we‡køl‡Yi djvdj e¨vs‡Ki ch©vß cÖwfkwbs I g~jab msi¶‡Y f~wgKv iv‡L| e¨vs‡Ki msKUKvjxb
mg‡q †h mKj Lv‡Zi F‡Yi SuywK aiv c‡i bvB ‡m‡¶‡Î Stress Testing fv‡jv djvdj cÖ`vb K‡i|
e¨vs※Ki Stress Testing Kivi mgq ‡hmKj m¤¢ve¨ cwiw¯’wZ we‡ePbv Kiv DwPZt-
D‡jøL‡hvM¨ A_©‣bwZK ev wkíLv‡Zi wb¤œMvgxZv
cÖwZK~j evRvi SuywK NUbv I
cÖwZK~j Zvij¨ Ae¯’v
e¨vs‡Ki wkíLv‡Z Aek¨B D‡jøL‡hvM¨ cwigv‡Y wkíwfwËK LvZ _vKv DwPZ hv‡`i wbqwgZ fv‡e
ch©v‡jvPbv/nvjbvMv` Ki‡Z n‡e| Stress Testing wi‡cvU©wU GKwU m¤¢ve¨ cwiKíbv Øviv Abym„Z n‡e †hLv‡b
ms‡kvabg~jK K‡g©i mycvwik _vK‡e| EaŸ©Zb e¨e ’vcbv KZ©„c¶ wbqwgZfv‡e Stress Testing wi‡cvU© I m¤¢ve¨
cwiKíbvwU ch©v‡jvPbv Ki‡e| FY SuywK e¨e¯’vcbv KvVv‡gv ch©v‡jvPbvq Ges cÖwfkwbs mxgv wba©vi‡Y GB wi‡cvU©
¸iæZ¡c~Y© BbcyU wn‡m‡e KvR Ki‡e|
7.07t FY bxwZ, KZ©„c¶, mxgv, cÖ‡qvRbxq FY e„w×i mgšqKi‡Yi FY ¶wZ wba©viY gvÎvi f~wgKvt
hw`I G¸‡jv cÖv_wgKfv‡e evRvi SuywK, e¨emvi ¶wZ wbqš¿Y mxgv wbqš¿‡Yi Rb¨ e¨envi Kiv nq Z`ycwi FY
SuywK e¨e ’vcbvq cÖ‡qvM K‡i fv‡jv djvdj cvIqv hvq| ¶wZ wbqš¿Y mxgv n‡jv Ggb GK ai‡Yi mxgv hvi Rb¨ GKwU
wbw`©ó e¨e ’vcbv c`‡¶‡ci cÖ‡qvRb hw` Zv cÖ @vweZ nq| hLb LÛ LÛ ‡cvU©‡dvwjI‡Z ¶wZ nq ZLbKvi AwfÁZvq
MIS ‡hb cl© Ges EaŸ©Zb e¨e ’vcbv KZ©„c¶‡K mZK© K‡i †`q †h GB Lv‡Z FY cÖ`v‡b GB RvZxq ¶wZ n‡Z
cv‡i| hv‡Z KZ©„c¶ AeMZ n‡q wm×všÍ MÖnY Ki‡Z cv‡i †h GB Lv‡Z F‡Yi mxgv wba©vi‡Yi †¶‡Î F‡Yi cÖevn _vK‡e
bv eÜ Ki‡e|
43
Aa¨vq-8
mgm¨vMÖ¯’ m¤c‡`i FY SuywK e¨e¯’vcbv
mgm¨vMÖ¯’ FY, F‡Yi GKwU wbwðZ Aek¨¤¢vwe cwiYwZ| hLbB GKwU FY cÖ`vb Kiv nq ZLbB †h †Kv‡bv GKwU
AcÖZ¨vwkZ NUbv NU‡Z cv‡i Ges FY MÖnxZv KZ©„K Pzw³ †gvZv‡eK F‡Yi A_© †diZ cÖ`vb KwVb n‡q ci‡Z cv‡i|
e¨vs‡Ki FY g~j¨vqbKvix Kg©KZ©v‡`i fy‡ji Kvi‡Y cÖvqB evwYwR¨K F‡Yi ΓwU ïi“ nqt-‡hgb FY MÖnxZvi PwiÎ
fyjfv‡e wba©viY, †¯cªW Gi fyj e¨vL¨v KiY, FY MÖnxZvi Aby‡iva cÖZ¨vL¨vb bv Kiv| GBme Kvi‡Y mgm¨vMÖ¯’ F‡Yi
m„wó nq Kv‡RB GB KviY¸‡jv Kwg‡q Avbvi e¨e¯’v Ki‡Z n‡e|
8.01t FY MÖnxZvi mwnZ †hvMv‡hvMt
hLb GKwU FY‡K m¤¢ve¨ mgm¨vMÖ ’ FY wnmv‡e wPwýZ Kiv nq, ZLb GKRb e¨vsK Kg©KZ©v‡K wbb¥wjwLZ avc
mg~n Aek¨B AbymiY Ki‡Z n‡e t
1. FY MÖnxZv‡`i mwnZ mv¶v‡Zi c~‡e© GKwU cÖv_wgK cwiKíbv MÖnY|
2. mgm¨vMÖ¯’ F‡Yi wel‡q AeMZ n‡q msjv‡ci `ª“Z ZvwiL wVK KiY|
3. mgm¨v wb‡q Av‡jvPbv, mgm¨vi weKí mgvavb w ’iKiY, MÖnY‡hvM¨ ev AMÖnY‡hvM¨ wK wK c`‡¶c MÖnY
Kiv hvq Zv w¯’i Kiv|
4. gvwmK Avw_©K weeiYx‡Z wK wK AwZwi³ Z_¨ cÖ‡qvRb Zv FYMÖnxZv Aek¨B e¨vs‡K mieivn Ki‡e|
G‡ÿ‡Î weiƒc cwiw¯’wZ cwijwÿZ n‡j Zv Nwbôfv‡e ch©‡eÿY K‡i cwiw¯’wZ †gvKv‡ejv Ki‡e|
5. FY MÖnxZv mgm¨vi mgvav‡b Aek¨B AšÍe©Z©xKvjxb c`‡¶c MÖnY Ki‡e|
FYMÖnxZvi wbKU wewfbœ `wjjvw`i kZ© j•Nb wPwýZ K‡i cÎ ‡`IqvB h‡_ó bq| G‡¶‡Î †`Lv hvq †h,
FYMÖnxZv wPwV cvIqvi ci Am‡šÍvl cÖKvk K‡ib Ges FY MÖwnZvi wb‡Ri Kvi‡YB †h fyj n‡q‡Q Zv A¯xKvi K‡ib|
Avi hw` fyj n‡qI _v‡K Zvn‡j FY MÖwnZv‡K wbw`©ó mg‡qi g‡a¨ ms‡kvab K‡i w`‡Z n‡e|
8.02t FY SuywK cwiPvjbv Kivi GKwU Dcvq wn‡m‡e cybtZdwmwjKi‡Yi Dchy³Zvt
GKwU weij cwiw¯’wZ‡Z GKRb FY MÖnxZv GKwU wbw`©ó mg‡qi Rb¨ wb‡R‡K GKwU Avw_©K msK‡Ui g‡a¨ Lyu‡R
†c‡Z cv‡ib| FY cybtZdwmwjKiY n‡jv eZ©gv‡b mgm¨vMÖ¯@ FY cwiw¯’wZ ‡gvKv‡ejv h_vh_fv‡e Kivi Rb¨ F‡Yi
Avmj I my` cwi‡kv‡ai Rb¨ GKwU j¤v mgq †U‡b Lyu‡R †ei Kiv| ïaygvÎ hw` e¨vsK g‡b K‡i FY MÖnxZv Pzw³ Abyhvqx
cybtwba©vwiZ mgq Abyhvqx Avmj I my` cwi‡kva Ki‡Z m¶g n‡e| e¨vs‡Ki †Kvbfv‡eB m‡›`n _vK‡ebv †h
cybtZdwmwjKiY welqwU FY MÖnxZv mwVKfv‡e e¨envi Ki‡eb| G‡Z FY MÖnxZvi m¤§wZ I `xN© mgq a‡i FY cwi‡kva
Kivi B”Qv _vK‡Z n‡e|
8.03t FY SuywK e¨e¯’vcbvi/ FY SuywK cwiPvjbvi cš’v/ Dcvq wn‡m‡e cybM©V‡bi Dchy³Zvt
hw` FYMÖnxZvi Avw_©K msKU mvgwqK mg‡qi Zzjbvq AviI †ewk mg‡qi Rb¨ ¯’vqx nq Ges F‡Yi fwel¨r
bM` cÖevn eZ©gvb g~‡j¨i †P‡q me©vwaKiY nq Zvn‡j FYMÖnxZvi hyw³msMZ KvR n‡e FYwU cybM©VY Kiv|
cybtZdwmwjKiY wn‡m‡e e¨vs‡Ki †Kv‡bv FY cyYwe©Y¨vm Kiv DwPZ bq hw` e¨vsK wbwðZ bv _v‡K †h FYMÖnxZv FY
cybM©V‡Yi mKj kZ© c~iY Ki‡Z cvi‡ebv| mKj FY cyb©MVb Gi †¶‡Î mg‡q mg‡q evsjv‡`k e¨vsK KZ©„K RvixK…Z
wb‡`k©bv †g‡b Pj‡Z n‡e Ges cÖ‡qvRbxq cÖwfkb msi¶Y Ki‡Z n‡e|
44
8.04t FY Av`vqt
ev¨sK Zvi FY cybiy×vi cÖwµqv Db œq‡bi Rb¨ wbqwgZfv‡e bxwZ/civgk©/wb‡`©kbv cÖ`vb Kivi Rb¨ e¨e ’vcbv
KZ…©c¶‡K wbwðZ Ki‡Z n‡e| FY Av`vq Kvh©µg cÖevn evov‡bvi mgq wb¤œwjwLZ welq¸‡jvi w`‡K gb‡hvM w`‡Z
n‡et-
FY Av`vq cwiKíbv wba©viY/Av`vq †K․kj wba©viY Ki‡Z n‡e|
m‡e©v”P FY Av`vq Gi Rb¨ weKí mKj c_ AbymiY Ki‡Z n‡e|
cÖK„Z Ges cªZ¨vwkZ FY Av`vq RwbZ ¶wZi wecix‡Z ch©vß cwigv‡Yi cÖwfkb ivLv n‡”Q wKbv Zv wbwðZ
Ki‡Z n‡e|
‡kÖwYK…Z FY/ †h mKj F‡Yi Dci my` Av`vq /wnmvevqb Kiv hvqbv †mmKj wnmve¸‡jv wbqwgZ ch©v‡jvPbv
Ki‡Z n‡e|
mgm¨vMÖ¯’ FY mg~‡ni e¨e ’vcbv GKwU MwZkxj cÖwµqvq n‡Z n‡e Ges ch©vß cwigvY cÖwfkb ivLvi welqwU
wbqwgZ ch©v‡jvPbv Ki‡Z n‡e| FY ¶wZi AwfÁZv n‡Z wk¶v wb‡q FY`vb wb‡`©wkKv nvjbvMv` ivL‡Z n‡e|
evsjv‡`k K…wl e¨vsK, cÖavb Kvh©vj‡qi GKRb gnve¨e ’vc‡Ki †bZ…Z¡vax‡b FY Av`vq gnvwefvM e¨vs‡Ki FY
Av`vq Kvh©µg cwiPvjbv Ki‡Q| D³ gnve¨e ’vc‡Ki wbqš¿‡Y FY Av`vq wefvM i‡q‡Q| erm‡ii ïiæ‡Z FY Av`v‡qi
Rb¨ GKwU j¶¨gvÎv w¯’i K‡i †`qv nq| j¶¨gvÎvi g‡a¨ wW‡m¤^i wfwËK m¤¢ve¨ †kÖwY‡hvM¨-1 (WCL-1) Ges Ryb
wfwËK m¤¢ve¨ †kÖwY‡hvM¨-2 (WCL-2) F‡Yi 100% Ges †kÖwYK…Z F‡Yi b~¨bZg 25%| G D‡Ï‡k¨ FY Av`vq
wefvM n‡Z cÖPvwiZ FY Av`vq Kg©cwiKíbv h_vh_fv‡e AbymiY Ki‡Z n‡e|
FY Av`vq e„w×i Rb¨ wb‡¤œewY©Z Kjv‡K․kj Aej¤^b Ki‡Z n‡et-
1. FY MÖnxZvi mv‡_ e¨w³MZ †hvMv‡hvM/‡bvwUk cÖ`vb;
2. Uv¯‥‡dvm© Kvh©µg;
3. m‡¤§jb/MÖvnK mgv‡ek;
4. FY Av`vq †gjv;
5. nvjLvZv Kvh©µg;
6. gay‡gjv Kvh©µg;
7. AvMvg mZK© evZ©v Kvh©µg;
8. bZzb D™¢vweZ Av`vq †K․kj|
FY Av`vq Kvh©µg myôz I cwiKwíZfv‡e ev¯Íevq‡bi j‡¶¨ wbb¥wjwLZ Kvh© c×wZ AbymiY Kivi Rb¨ civgk©
†`qv n‡jvt-
(K) wba©vwiZ mg‡qi g‡a¨ wWgvÛ †bvwUk, wjM¨vj †bvwUk, we‡kl †bvwUk Rvwi wbwðZ Kivi gva¨‡g
FY Av`vq Z¡ivwšZ Kiv| cÖ‡qvRb‡ev‡a ¯’vbxq msm` m`m¨, ‡Rjv cÖkvmK I wUGbI Gi
¯^v¶wiZ we‡kl †bvwUk Rvwi Kiv|
(L) FY MÖnxZv‡`i wbqwgZ I mgqgZ FY cwi‡kva Ki‡j wi‡eU myweav m¤c‡K© AeMZ Kiv|
(M) wWD‡WU †iwRóvi msi¶‡Yi gva¨‡g FY Av`vq Kvh©µg d‡jvAvc Kiv|
(N) FY weZi‡bi Rb¨ cª‡Z¨K kvLvq B‡Zvg‡a¨ BDwbqb ch©v‡q ey_ †Lvjv n‡q‡Q| ey‡_i gva¨‡g
†hfv‡e FY weZiY Kvh©µg cwiPvjbv Kiv n‡q‡Q Abyiƒcfv‡e ey‡_i gva¨‡g mvßvwnK fv‡e
gvVKg©x KZ©©„K Dcw¯’Z †_‡K FY Av`vq wbwðZ Kiv|
(O) †Rjv/_vbv K…wl FY KwgwU‡Z kvLv e¨e¯’vcK wbqwgZ Dcw¯’Z n‡q FY Av`v‡q e¨vcK Kvh©µg
MÖnY Kiv|
45
(P) FY cÖ`v‡bi ‡¶‡Î †hgb- †Rjv cÖkvmK, _vbv wbe©vnx Kg©KZ©v, BDwc †Pqvig¨vb/ m`m¨ Gi
mn‡hvwMZv MÖnY Kiv n‡qwQj †Zgwb fv‡e Av`v‡qi †¶‡Î Zv‡`i mn‡hvwMZv MÖnY Kiv|
(Q) cÖwZwU †Ljvcx FY MÖnxZvi wbKU n‡Z cÖwZevi †hvMv‡hv‡Mi mgq wKQy bv wKQz UvKv Aek¨B
Av`vq Kiv|
(R) `xN© w`‡bi cyivZb †Ljvcx LvZKM‡Yi mv‡_ †hvMv‡hvM K‡i e¨vs‡Ki cÖPwjZ wbq‡g my‡hvM
myweav m¤c‡K© ÁvZ K‡i Zv‡`i‡K FY cwi‡kv‡a DØy× Kiv |
(S) cyiv‡bv FY Av`vq K‡i fv‡jv FY MÖnxZv‡`i‡K `ªæZ cybtFY weZiY Kiv|
(T) Zvgv`x †ivaK‡í h‡_vchy³ e¨e¯’v MÖnY Kiv|
(U) FY cwi‡kv‡a A¯^”Qj FY MÖnxZvMb‡K e¨vs‡Ki wewa †gvZv‡eK my` gIKz‡di myweav cÖ`vb c~e©K
Zv‡`i wbKU AvU‡K _vKv FY Av`vq/wb®cwË Kiv|
(V) e¨vs‡Ki †h mKj K„wl FY †gqv‡`vËxY© I ÒKzÓ FY wnmv‡e †kªYxweb¨vwmZ n‡q AvUKv c‡o Av‡Q
Ges cÖ‡hvR¨ mKj e¨e ’v Aej¤^b m‡Ë¡I †h¸wj `xN©w`b Abv`vqx i‡q †M‡Q Ges ev¯Í‡e
fwel¨‡Z Av`vq nIqvi †Kvb m¤¢vebv ‡bB, †m¸wj Ae‡jvcb bxwZgvjv Abyhvqx Ae‡jvc‡bi
cÖ‡qvRbxq e¨e¯’v MªnY Kiv|
(W) FY Av`v‡q wcwQ‡q cov GjvKvq gyL¨ AvÂwjK/ AvÂwjK e¨e ’vcK I kvLv e¨e ’vcK
e¨w³MZfv‡e ågY Kiv |
(X) e¨vs‡Ki F‡Y wcwQ‡q cov g~j LvZ/Dc-LvZ wPwýZKiY c~e©K Dnvi wecix‡Z Av`vq‡hvM¨ F‡Yi
cwigvY wbav©iY K‡i wbqš¿YKvix Kvh©vjq †_‡K Av`vq Kvh©µg wbweofv‡e cwiavi‡Y me©kw³
wb‡qvM Kiv|
(Y) cÖwZ mßv‡ni †k‡l gyL¨ AvÂwjK/ AvÂwjK e¨e¯’vK‡Ki wbKU gvV Kgx©‡`i mvßvwnK Kvh©µg
cÖwZ‡e`b `vwLj Kiv hv gyL¨ AvÂwjK/ AvÂwjK e¨e ’vcK KZ©„K Z`viwK Kiv|
Z) `v‡qiK…Z Awb®úbœ †gvKÏgv `ªyZ wb®úwËi j‡¶¨ Av`vj‡Zi mv‡_ wbweo †hvMv‡hvM i¶v Kiv
Ges cÖPwjZ wbq‡g FY Av`vq bv n‡j AvBbvbyM e¨e ’v MÖnY Kiv| Av`vj‡Z Awb®úbœ †gvKÏgv
hv‡Z LvwiR bv n‡q hvq †m w`‡K we‡kl bRi †`qv Ges e¨vs‡Ki c‡¶ ivq MÖn‡b m‡Pó _vKv|
(_) fzqv FY Av`v‡qi †¶‡Î mbv³Kvix‡`i Dci Pvc cÖ‡qvM Ki‡Z n‡e| Zv‡ZI Avkve¨Ä¨K mvov
cvIqv bv †M‡j 406/420 avivq ‡d․R`vix †gvKÏgv `v‡qi Ki‡Z n‡e| Gwel‡q
cÖKv/Av`vq1(38)/04-05/573(1300) ZvwiL 04.09.2004 Gi wb‡`©kvejx AbymiY Ki‡Z
n‡e|
(`) FY Av`v‡q cÖ‡qvRb‡ev‡a †`Dwjqv welqK AvBb 1997 I †`Dwjqv welqK wewagvjv AbymiY
Kiv|
(a) cÖPwjZ cÖkvmwbK cÖwµqvq LvZ‡Ki wbKU †_‡K FY Av`vq Kiv m¤¢e bv n‡j Av`v‡qi me©‡kl
cš’v wnmv‡e AvU‡K cov †gqv‡`vËxY© FY Av`v‡qi Rb¨ mvwU©wd‡KU †gvKÏgv `v‡q‡ii e¨e ’v
Kiv|
(Y) mvaviYZt eo eo †Ljvcx F‡Yi †¶‡Î †KBm Uz †KBm wfwËK ÔÔ†gwiUÓ we‡ePbvq G‡b
mvwU©wd‡KU gvgjv cwinvi c~e©K A_© FY Av`vj‡Z gvgjv `v‡qi Gi e¨e¯’v Kiv|
46
8.05t AvMvg mZ©KZv (Early Alert Process) t
‡h mKj FY wnmvemg~‡n SzuwK n«vm I Av`vq wbwðZ Kivi Rb¨ Kvh©Kix Z`viwK I KZ©„c¶xq wb‡`©kbv cwicvjb
Kiv Avek¨K †m me wnmve‡K AvMvg mZK©Zvg~jK wnmve bv‡g wPwýZ Kiv nq| G wnmve¸‡jv cieZ©x/AvMvg GK
erm‡ii g‡a¨ ¶wZ ch©v‡q †kÖwYK„Z n‡Z cv‡i| Z¡wir wPwýZ Kiv, Zvr¶wYKfv‡e EaŸ©Zb KZ©„c‡¶i wbKU wi‡cvU© Kiv
mn FY MÖnxZvi Ae¯’v Dbœq‡bi/ms‡kva‡bi D‡`¨vM MÖnY Ki‡Z n‡e Ges G KvRwU kvLv e¨e¯’vcK‡KB Ki‡Z n‡e|
eo eo FY †KB‡mi †¶‡Î wba©vwiZ di‡g‡U AvMvg mZK©Zv wi‡cvU© •Zwi K‡i 7 w`‡bi g‡a¨ gyL¨ AvÂwjK/ AvÂwjK
e¨e ’vcKmn EaŸ©Zb KZ©„c¶‡K Rbv‡Z n‡e|
1. WCL-1 FY Av`vq bv n‡j wW‡m¤^i wfwËK †kÖYxK…Z n‡q hv‡e Ggb FY wPwýZ K‡i †jRvi dwjI‡Z WCL-1
gvK© Ki‡Z n‡e Ges wW‡m¤^‡ii g‡a¨ Av`vq wbwðZ Ki‡Z n‡e|
2. WCL-2 FY Av`vq bv n‡j Ryb wfwËK †kÖwYK…Z n‡q hv‡e Ggb FY wPwýZ K‡i †jRvi dwjI‡Z WCL-2 gvK©
Ki‡Z n‡e Ges Ryb gv‡mi g‡a¨ Av`vq wbwðZ Ki‡Z n‡e|
3. we‡kl wPwýZ wnmve (Special Mention Account) t ‡h mKj FY ev F‡Yi wKw Í 90 w`‡bi AwaK †gqv‡`vËxY©
Ae¯’vq Av‡Q G mKj wnmve wPwýZ K‡i Dc‡iv³ 1g I 2q †kÖwYfy³ hv‡Z bv nq †mRb¨ Av`vq K‡i †dj‡Z n‡e|
cÖ‡Z¨K kvLv e¨e ’vcK‡K G mKj AvMvg mZK©Zvg~jK FY wnmve wPwýZ K‡i DaŸ©Zb KZ©„c¶‡K Rvbv‡Z n‡e, cÖ‡Z¨K
FY MÖnxZv‡K FY †`q Zvwi‡Li Kgc‡¶ 2 gvm Av‡M e¨w³MZ I c‡Îi gva¨‡g †hvMv‡hvM Ki‡Z n‡e Ges Av`v‡qi
Kvh©Kix e¨e ’v MÖnY Ki‡Z n‡e| AvMvg mZK©Zvi DcmM©¸‡jv wb¤œiƒct
* kZ© f½
* evRv‡i e¨emv nviv‡bvi ¸Re
* mswkøó wk‡í e¨emv nviv‡bv
* gvwjK c‡¶i FY cwi‡kv‡a Abxnv
* g¨v‡bR‡g‡›Ui we‡kl `zej©Zv, †hgb cÖavb e¨w³i myBP Ifvi BZ¨vw`|
8.06t NPL ev †Ljvcx FY e¨e¯’vcbv t
wbqwgZ FY ev AwbqwgZ Ges bb cvidiwgs (NPL) F‡Y cwiYZ nIqv e¨vs‡Ki Rb¨ †Kvbfv‡eB Kvg¨ bq|
wbqwgZ FY bb cvidiwgs (NPL) F‡Y cwiYZ n‡j Gme F‡Yi my` Avq Lv‡Z †bqv hvq bv, d‡j GKw`‡K e¨vs‡Ki
Avq n«vm cvq Ab¨w`‡K bb cvidiwgs F‡Y cwiYZ n‡j Gme F‡Yi my` Avq Lv‡Z †bqv hvq bv, d‡j GKw`‡K e¨vs‡Ki
Avq n«vm cvq Ab¨w`‡K bb cvidiwgs F‡Yi wecix‡Z cÖ‡qvRbxq cÖwfkb msi¶Y Ki‡Z nq hvi d‡j bxU gybvdvi
cwigvY n«vm cvq| GmKj Kvi‡Y NPL ev †Ljvcx FY e¨e ’vcbv mvgwMÖK FY e¨e¯’vcbvi GKwU ¸iæZ¡c~Y© Ask|
MwZkxj Ges Kvh©Ki NPL ev e¨e ’vcbvi gva¨‡g wewfbœ iKg Av`vq †K․kj cÖ‡qvM K‡i †Ljvcx FY‡K wbqwgZ K‡i
wbqwgZ F‡Y cwiYZ KivB NPL e¨e¯’vcbvi g~j KvR| G j‡¶¨ wb¤œewY©Z c`‡¶cmg~n MÖnY Kiv †h‡Z cv‡i:
K. Exit c×wZ※Z (my` gIKzd K※i) Av`vq|
L. A_© FY Av`vjZ ev Ab¨vb¨ Av`vj※Zi ivq MÖnY K※i Av`vq |
M. evsjv※`k e¨vsK KZ©‾K wb※`©wkZ bxwZgvjvi AvIZvq cybtZdwmj Kiv|
N. Ab¨vb¨ MÖnY※hvM¨ Av`vq c×wZ, ýhgbt ADR-Alternative Dispute Resoluition Gi gva¨※g Av`vq|
8.07t FY †kªwYKiY Ges ¯’wMZ my` (Interest Suspense) wnmvevqb t
ÒcÖe‡jg †jvbÓ mbv³Ki‡Yi j‡¶¨ AvMvg mZK©Zvg~jK e¨e ’v wnmv‡e gv‡m Kgc‡¶ GKevi FY wnmvemg~n
kvLv KZ©„K ch©v‡jvPbv Ki‡Z n‡e Ges ‣ÎgvwmK wfwˇZ h_vh_fv‡e FY †kªwYKiY Ki‡Z n‡e| cÖavb Kvh©vj‡qi
‡K›`ªxq wnmve wefvM KZ…©K †kªwYK„Z F‡Yi wecix‡Z h_vh_ cÖwfkb msi¶Y I •ÎgvwmK wfwˇZ msiw¶Z cÖwfk‡bi
fvDPvi cvm Ki‡Z n‡e| FY †kÖYxKiY I ’wMZ my` (Interest Suspense) wnmvevq‡bi †¶‡Î evsjv‡`k e¨vs‡Ki
bxwZgvjv AbymiY Ki‡Z n‡e|
47
8.08 FY Av`vq cyi¯‹vi I Drmvn cÖ`vbt
‡Ljvcx FY Av`v‡q miKvi/evsjv‡`k e¨vsK wb‡`©wkZ Ges evsjv‡`k K…wl e¨vs‡K eZ©gv‡b cÖPwjZ (hw` _v‡K)
cyi¯‥vi/Drmvn cÖ`v‡bi bxwZ Ae¨vnZ _vK‡e|
8.09t FY Ae‡jvcb, cybivwaKvi Ges RvgvbwZ m¤cwËi gvwjKvbvmË¡ ¡ t
e¨vsK hLb GKwU FY wnmve Avi Av`vq‡hvM¨ n‡e bv e‡j we‡ePbv K‡i ZLb wnmvewU Ae‡jvcb Kivi wm×všÍ
MÖnY K‡i (F‡Yi cwigvY e¨v‡jÝ kx‡Ui m¤c` Ask †_‡K ev` w`‡q GKwU e¨q wnmv‡e †`Lv‡bv nq Ges cÖwfk‡bi
wecix‡Z GwU mgšq Kiv nq)| FY c‡Y¨i Dci wbf©i K‡i FY Ae‡jvcb welqwU cwieZ©xZ n‡Z cv‡i Ges Kgc‡¶
evsjv‡`k e¨vsK KZ©„K mg‡q mg‡q RvixK…Z wb‡`k©bvmg~n AbymiY c~e©K Ae‡jvcb Kiv †h‡Z cv‡i| evsjv‡`k e¨vs‡Ki
bxwZgvjv Abyhvqx FY Ae‡jvcb Ges cÖ‡qvRbxq cÖwfkb msi¶Y Ki‡Z n‡e|
hLb RvgvbwZ m¤cwË mg~n wbiƒwcZ (Realize) nq Ges FY cybi“×v‡ii m¤¢vebv †kl n‡q hvq ZLb FY
Ae‡jvcb wm×vš@ MÖnY Kiv nq hv †evW© KZ©„K Aek¨B Aby‡gvw`Z n‡Z n‡e| FY Ae‡jvc‡bi mgq cÖwfkb ivL‡Z n‡e
A_ev jvf-¶wZ wnmve n‡Z ev` w`‡Z n‡e| ¸`v‡g iw¶Z c‡Y¨i D”P evRvi g~j¨ bv nIqv ch©šÍ a‡i ivLv mwVK c×wZ
bq wKš‘ cY¨mg~n m‡ev©”P g~‡j¨ weµq KivB j¶¨ nIqv DwPZ|
m‡ev©rK…ó c×wZ e¨envi wbwðZ Kivi Rb¨ GB ai‡Yi wb®úwË c×wZ µgvMZ fv‡e ch©v‡jvPbv Ki‡Z n‡e|
m¤cwËi wb®cwË msµvš@ Kvh©µg, m¤cwË n¯@vš@i AvBb Abyhvqx n‡e Ges Gi mv‡_ m¤úwK©Z Ab¨vb¨ AvBb cwicvjb
Ki‡Z n‡e| wb®cwË bxwZi †¶‡Î m¤cwË cybivwaKvi Kivi Rb¨ GKwU mymsMwVZ wefvM _vK‡e Ges Zvi mv‡_ AvBb
wefvM I e¨vs‡Ki mswkøó Ab¨vb¨ wefvM mnvqZv Ki‡e| m¤cwË cybivwaKv‡ii †¶‡Î e¨vsK Aek¨B wbwðZ Ki‡e †h
m¤cwËi g~j¨ i¶v‡_© h_vh_ cÖkvmwbK e¨e¯’v MÖnY Kiv n‡q‡Q|
(K) m¤cwËi wb®cwË ZLbB ïi“ n‡e hLb †mB m¤cwË weµ‡qi Rb¨ Dchy³ n‡e| wb‡¤œ&v³ †¶‡Î GB bxwZ
cÖ‡hvR¨ n‡et-
1. hLb FY MÖnxZv †m¦”Qvq Zvi m¤c` mgc©Y K‡i A_ev e¨vsK KZ©„K D³ m¤cwË weµ‡qi Rb¨ FY
MÖnxZvi wbKU n‡Z m¤§wZ Av`vq K‡i|
2. e¨vsK AvBbMZfv‡e ev Ab¨‡Kv‡bv Dcv‡q hLb †Kv‡bv m¤cwË `Lj K‡i Ges m¤cwËi mKj gvwjKvbv
e¨vs‡Ki bv‡g ¯’vbvšÍi Kiv nq Ges e¨vs‡Ki bv‡g wbeÜb Kiv nq|
3. AwR©Z m¤c` GKwU wbw`©ó b~¨bZg mg‡qi g‡a¨ AwaMÖnY ev cybivwaKv‡ii welqwU wbwðZ Ki‡Z n‡e |
4. m¤cwË n¯@vš@i bv nIqv ch©š@ m¤c‡`i i¶Yv‡e¶Y mn mKj Av‡cw¶K LiP b~b¨Zg ivL‡Z n‡e|
5. e¨vs‡Ki `LjK…Z m¤cwËwU h_vkxNª evRvi `‡i iƒcvš@i Ki‡Z n‡e ev bM`vqb Ki‡Z n‡e|
hw`I m¤cwË µq-weµq e¨emv (†UªwWs) ev e¨e¯’vcbvi KvR e¨vs‡Ki g~j Kvh©µ‡gi Aš@f ©y³ bq Z_vwc
e¨vs‡Ki wbR¯^ Kvh©vejx myôyfv‡e cwiPvjbvi ¯v‡_©, e¨vs‡Ki FY Av`v‡qi ¯^v‡_©, gybvdv AR©‡bi j‡¶¨ I e¨vs‡Ki
Kvh©µg MwZkxj ivLvi Rb¨ G ai‡Yi Kvh©µg MÖnY Ki‡Z nq|
(L) cÖ‡qvRbxq weeiYx †cÖiY I Abykvmb cwicvjb t
FY k„•Ljv eRvq ivLvi Rb¨ evsjv‡`k e¨vsK KZ…©K RvixK…Z wb‡`©kvejx K‡Vvifv‡e AbymiY K‡i FY gÄyi I
weZiY Ki‡Z n‡e| G QvovI gš¿Yvjq I evsjv‡`k e¨vs‡K mwVK mg‡q mwVK di‡g‡U PvwnZ FY msµvšÍ Z_¨vw` †cÖiY
Ki‡Z n‡e| Aby‡gvw`Z †mev cÖ`vbKvix Z„Zxq c‡¶i (g~j¨vqb cÖwZôvb, AvBb, exgv †Kv¤úvwb, wK¬qvwis d‡ivqvwW©s
G‡R›U, K…wl hš¿cvwZ mieivnKvix cÖwZôvb) Kvh©µg I cvidi‡gÝ evwl©K wfwˇZ g~j¨vqb Ki‡Z n‡e|
48
(M) `wjjvqb t
`wjjvqb mwVKfv‡e bvI n‡Z cv‡i| e¨vs‡Ki myi¶vi DbœwZi j‡¶¨, e¨vs‡Ki Ae¯’vb kw³kvjx Ki‡Yi Rb¨
FY ch©v‡jvPbvi mgq `wjjvq‡bi µwU¸‡jv Aek¨B Lyu‡R †ei Ki‡Z n‡e| e¨vs‡Ki AwZwi³ myi¶vi Rb¨ wb¤œMvgx SuywK
†iwUs m¤ú~Y© F‡Yi Rb¨ AwZwi³ Rvgvb‡Zi mycvwik Kiv †h‡Z cv‡i| FY ch©v‡jvPbvi mgq Aek¨B eZ©gv‡b mgm¨v
¸‡jv wPwýZKiY I fwel¨‡Z mgm¨v mg~n `~iKi‡Yi Dfq welqwU j¶¨ ivL‡Z n‡e|
(N) ¶z ª I gvSvwi wkí (SMEs) FY/PjwZ g –jab FY Av‡e`bcÎ welqK KvMRc‡Îi ZvwjKv/†PKwjót
K) mvaviY Z_¨vejx/KvMRcÎ t
(1) D‡`¨v³v/D‡`¨v³vM‡bi Ges M¨viv›U‡ii cÖ‡qvRbxq msL¨K cvm‡cvU© mvB‡Ri mZ¨vwqZ Qwe (m¤ú„³
cÖwZwU Kvh©vj‡qi Rb¨ 1(GK) Kwc)|
(2) D‡`¨v³v/D‡`¨v³vM‡Yi ’vqx, eZ©gvb Ges e¨emv cÖwZôv‡bi wVKvbv m¤ú‡K© †NvlbvcÎ (†Uwj‡dvb bs,
†gvevBj bs Gi D‡jøLmn)|
(3) D‡`¨v³v/D‡`¨v³vM‡Yi mZ¨vwqZ evsjv/Bs‡iRx bgybv ¯^v¶i (cÖ‡qvRbxq msL¨K Kwc)|
(4) D‡`¨v³v/D‡`¨v³vM‡Yi RvZxqZv welqK mb`cÎ|
(5) mswkøó wel‡q D‡`¨v³v/D‡`¨v³vM‡bi AwfÁZv msµvšÍ †NvlbvcÎ/`vwjwjK cÖgvY|
(6) D‡`¨v³v/D‡`¨v³vMb miKvix/ Ab¨ †Kvb cÖwZôv‡b PvKzixiZ _vK‡j FY MÖnY wel‡q wb‡qvMKvix
KZ©„c‡¶i wbKU n‡Z AbvcwË cÎ|
(7) ‣ea †UªW jvB‡mÝ (e¨emvwqK cÖwZôv‡bi †¶‡Î)|
(8) †c․imfv/BDwbqb cwil‡`i Ki/U¨v· cÖ`v‡bi nvjm‡bi iwk`|
(9) D‡`¨v³v/D‡`¨v³vM‡bi AvqKi cwi‡kv‡ai `vwjwjK cÖgvb (TIN Certificate)|
(10) D‡`¨v³v/D‡`¨v³vM‡Yi ’vei-A¯’vei m¤ú‡`i wel‡q we¯ÍvwiZ weeiYmn †NvlbvcÎ|
(11) wbR¯^ wewb‡qv‡Mi Rb¨ cÖ‡qvRbxq A‡_©i Drm m¤ú‡K© ev¯Íem¤§Z †NvlbvcÎ Ges FY weZi‡Yi c~‡e©
D‡`¨v³vi Ask wewb‡qvM/bM‡` e¨vs‡K Rgv ivLvi wel‡q wjwLZ m¤§wZcÎ|
(12) K…wl e¨vsKmn Ab¨ †Kvb e¨vsK/Avw_©K cÖwZôv‡b/Ab¨ †Kv_vI D‡`¨v³v/D‡`¨v³vM‡Yi `vq‡`bvi wel‡q
†NvlbvcÎ (†Kvb cÖwZôv‡b `vq‡`bv _vK‡j cwigvYmn bvg I wVKvbv D‡jøL Ki‡Z n‡e)|
(13) wjwg‡UW †Kv¤úvwbi †¶‡Î †h †Kvb cwigvY F‡Yi Rb¨ Ges Ab¨vb¨ †¶‡Î FYmxgv 40.00 j¶ UvKvi
D‡ae© n‡j mKj MÖvnK‡`i e¨emvi wbixw¶Z GKwU Avw_©K weeiYx `vwLj Ki‡Z n‡e| Aek¨ hLb
FYwU Zij m¤ú` Øviv m¤ú~Y© wbivc` ZLb FY MÖnxZv KZ©„K ¯^v¶wiZ Avw_©K weeiYxB h‡_ó|
(14) †c․imfv/¯’vbxq KZ©„c‡¶i wbKU n‡Z wkí ¯’vc‡b AbygwZ cÎ (cÖ‡hvR¨ ¯’v‡b)|
(15) KviLvbv AvBb, 1965 Ges †`vKvb I cÖvwZôvwbK AvBb, 1965 Gi wewa weavb †g‡b Pjvi wel‡q
m¤§wZcÎ (cÖ‡hvR¨ †¶‡Î)|
(16) cÖKí f‚wg/e¨emvi ¯’vb/eÜKx m¤úwË welqK KvMRcÎ t
(K) µq m~‡Î cÖvß m¤úwËi †¶‡Î g~j `wjj, fvqv `wjj Ges GmG, AviGm, weGm/bvgRvix
LwZqv‡bi mvwU©dvBW Kwc I wWwmAvi|
(L) •cwÎK m~‡Î cÖvß m¤úwËi †¶‡Î wmGm/GmG, AviGm, weGm (†U‡bwÝ G¨v±, 1950 Abyhvqx
cÖ @zZK…Z me©‡kl LwZqv‡b eÜK`vZvi ev Zvi c~e©m~ix‡`i bv‡g n‡Z n‡e)/bvgRvix LwZqv‡bi
mvwU©dvBW Kwcmn wWwmAvi, DËivwaKvi welqK mb`cÎ Ges cÖ‡qvRbxq e›UYbvgv|
(M) nvjm‡bi LvRbvi iwk`|
(N) wewmK KZ©„K eivÏK…Z f‚wgi †¶‡Î g~j eivÏ cÎ, jxR `wjj I `Lj¯Z¡ eywS‡q †`qvi
mb`cÎ Ges g~‡j¨i wKw¯Í cwi‡kv‡ai cÖgvYvw`|
49
(O) miKvi ev Ab¨ †Kvb KZ©„c¶ KZ©„K eivÏK…Z Rwgi †¶‡Î f‚wg gš¿Yvjq/ mswkøó KZ©„c¶ n‡Z
g~j jxR `wjj `vwLj/eivÏcÎmn cÖ‡hvR¨ †¶‡Î e¨vs‡Ki wbKU Rwg eÜK †i‡L FY MÖn‡Y
AvcwË †bB g‡g© mb`cÎ|
(P) eÜKx Rwgi mxgvbv I w`K wPwýZ g¨vc| D³ g¨v‡c eÜK`vZv I MÖnxZvi ZvwiLmn ¯v¶i
_vK‡Z n‡e|
(Q) cÖ ÍvweZ eÜKx m¤úwË MZ 25 eQ‡ii gvwjKvbv m¤úwK©Z weeiY GKwU Avjv`v meyR KvM‡R
ev †Wwg KvM‡R wj‡L G‡Z eÜK`vZvi Ges e¨vs‡Ki †iwRó«vwis Kg©KZ©vi ¯v¶i wb‡Z n‡e, hv
`wj‡ji Ask e‡j we‡ewPZ n‡e|
†bvU t †iwRwó«K…Z bv n‡j †Kvb †nev `wjj e‡j m¤úwË eÜK †bqv hv‡e bv| †iwRwó«K…Z n‡jI †nev `wjj e‡j Rwg
eÜK †bqv n‡e wK bv, †m wel‡q cix¶v K‡i wm×všÍ wb‡Z n‡e| wUwc G¨v±, 1882 Gi ms‡kvwaZ aviv g‡Z
gymwjg AvB‡b †nev ¯’vei m¤úwËi `vbcÎ wn‡m‡e cwiMwYZ n‡e|
(17) wkí/e¨emvi f‚wgi †g․Rv g¨vc Ges wkí/e¨emvi ¯’v‡bi nv‡Z AuvKv iæU g¨vc|
(18) wk‡íi mvBU cøvb/†j-AvDU cøvb (cÖ‡hvR¨ †¶‡Î mswkøó KZ©„c‡¶i Aby‡gv`bmn)|
(19) cÖ‡R± †cÖvdvBj (KvwiMix w`K, Avw_©K w`K, A_©‣bwZK w`K, evRviRvZKiY w`K, cÖvwZôvwbK I
e¨e ’vcbvMZ w`K)|
(20) wk‡íi Bgvi‡Zi we¯ÍvwiZ wWRvBb, WªBs (wfwË Kjvg), Qv` †g‡S BZ¨vw` †Kvb cÖ‡K․kjx civgk© `vZv
cÖwZôvb/ wbe©vnx cÖ‡K․kjx (wmwfj) KZ©„K Kgc‡¶ 5 eQ‡ii ev Íe AwfÁZv m¤úbœ MÖvRy‡qU cÖ‡K․kjx
KZ©„K cÖ ‘Z K‡i h_vh_ KZ©„c¶ †_‡K Aby‡gv`b K‡i †ck Ki‡Z n‡e| wbwg©Ze¨ KviLvbv N‡ii
cÖ‡qvRbxq msL¨K Aby‡gvw`Z bKkv (wewmK wkí bMixi †ejvq wewmK KZ©„c‡¶i Aby‡gv`b`vbmn)|
(21) hš¿cvwZ m¤^wjZ wk‡íi †¶‡Î hš¿cvwZi ZvwjKvmn hš¿cvwZ ¯’vc‡bi bKkv (Machinery Layout
Plan)|
(22) cÖ‡hvR¨ †¶‡Î wk‡íi cÖ‡qvRbxq Avg`vwb‡hvM¨ •e‡`wkK hš¿cvwZi Rb¨ 3(wZb) wU cÖwZ‡hvwMZvg~jK
`icÎ (K¨vUvjM, we¯ÍvwiZ †¯úwkwd‡Kkbmn)/†cÖvdigv Bbf‡qm `vwLj Ki‡Z n‡e|
(23) cÖ‡hvR¨ †¶‡Î ¯’vbxq hš¿cvwZi 3(wZb) wU cÖwZ‡hvwMZvg~jK `icÎ (cÖ‡qvRb‡ev‡a K¨vUvjM I
we¯ÍvwiZ weeiYmn)/ †cÖvdigv Bbf‡qm `vwLj Ki‡Z n‡e|
(24) wcwWwe/AviBwe/M¨vm UªvÝwgkb GÛ wWwó«weDkb †Kv¤úvwb n‡Z we y¨r/M¨vm mieiv‡ni m¤§wZcÎ
(cÖ‡qvRbxq †¶‡Î wWgvÛ †bv‡Ui Kwcmn)|
(25) cÖ ÍvweZ wk‡í PjwZ g –jab FY MÖn‡Yi Rb¨ D‡`¨v³vi ch©vß mnvqK RvgvbZ cÖ`v‡bi ¶gZv _vK‡Z
n‡e| G e¨vcv‡i mswkøó KvMRcÎ/cÖgvYvw`mn †NvlbvcÎ (cÖ‡hvR¨ †¶‡Î)|
(26) cwi‡ek `~lb wbqš¿Y KZ©„c‡¶i wbKU n‡Z QvocÎ (cÖ‡qvRb‡ev‡a)|
(27) bZzb cÖhyw³i †¶‡Î mswkøó wel‡q we‡klÁ cÖwZôv‡bi wbKU †_‡K KvwiMix w`‡Ki m¤¢ve¨Zvi
cÖwZ‡e`b|
(28) Z…Zxq c¶ GKRb MÖnY‡hvM¨ e¨w³i wbKU n‡Z e¨w³MZ wbðqZv cÖ`v‡bi wel‡q m¤§wZ cÎ Ges
¯^vgx/ ¿x I wcZv/ gvZv/cwiev‡ii Ab¨ m`m¨‡`i wbKU †_‡K e¨w³MZ wbðqZv (Personal
Guarantee) cÖ`vb m¤ú‡K© m¤§wZcÎ|
(29) AvgvbZ I Avgvb‡Zi iwk` (cÖ‡hvR¨ †¶‡Î)|
50
L) †Kv¤cvwbi †¶‡Î KvMRcÎ t
(1) †Kv¤cvwbi †¶‡Î †iwRó«vi, R‡q›U óK †Kv¤cvwbi wbKU cÖ`Ë/Aby‡gv`bK…Z †g‡gv‡iÛvg GÛ
AvwU©‡Kjm Ae G‡mvwm‡qkb, mvwU©wd‡KU Ae BbK‡c©v‡ikb Ges K‡g݇g›U Ae weR‡bm mb`/cÖZ¨qb
c‡Îi mZ¨vwqZ Kwc|
(2) wk‡íi f‚wg †Kv¤cvwbi bv‡g n¯@vš@i welqK †NvlbvcÎ (B‡Zvc~‡e© †Kv¤cvwbi bv‡g f‚wg n¯@vš@i bv n‡q
_vK‡j)|
(3) cyivZb †Kv¤cvwbi †¶‡Î weMZ 3 eQ‡ii jvf/†jvKmv‡bi wnmvemn wbixw¶Z e¨v‡jÝkxU|
(4) e¨vsK wnmv‡ei weeiYx|
(5) FY MÖnY welqK cwiPvjbv cl©‡`i mfvi Kvh©weeiYx|
(6) cÖwZwU cwiPvj‡Ki ¯’vei-A ’vei m¤úwËi weeiYx|
M) cvU©bvikxc dvg© t
(1) G‡¶‡Î †iwRwó«K…Z cvU©bvikxc `wjj I †jUvi Ae cvU©bvikxc Rgv wb‡Z n‡e|
(2) cvU©bvi‡`i FY MÖnY I cwi‡kva, wnmve cwiPvjbv, `wjjvqb m¤cv`b BZ¨vw` welqK †iRy‡jk‡bi
Kwc|
(3) cÖwZ Rb Askx`v‡ii ¯’vei-A¯’vei m¤úwËi weeiY|
evsjv‡`k K…wl e¨vs‡Ki c‡¶ Kibxq (AvbyôvwbKfv‡e FY Av‡e`b MÖnYKv‡j) t
(1) ¯’vbxq e¨vsK/Avw_©K cÖwZôv‡bi wbKU n‡Z `vq‡`bv m¤úwK©Z †Mvcbxq gZvgZ msMÖn Ges evsjv‡`k
e¨vs‡K wmAvBwe wi‡cvU© msMÖ‡ni Rb¨ cÎ †cÖiY Ki‡Z n‡e|
(2) FY Av‡e`bcÎmn mKj KvMRc‡Î Ges WKz‡g‡›Uk‡b D‡`¨v³v‡`i ¯v¶i Awfbœ wK bv, Zv cix¶v
K‡i †`L‡Z n‡e|
(3) FY Av‡e`b wd, g~j¨vqb wd, cieZx©‡Z Zjøvkx wd MÖnY wbwðZ Ki‡Z n‡e|
(4) †PKwjó †gvZv‡eK KvMRcÎ `vwLj Kiv n‡q‡Q wK bv Ges Zv h_vh_ wK bv, Zv wbwðZ n‡Z n‡e|
51
e¨vs‡Ki wewfbœ cÖKvi `wjj ` @v‡e‡R ÷¨v¤• wWDwUi nvi
e¨vsK F‡Yi wecix‡Z `wjj m¤•v`‡b wb‡æv³ nv‡i ÷¨v¤• wWDwU (bb-RywWwkqvj ÷¨v¤•) cÖ‡hvR¨ n‡et
µtbs `wjjvq※bi cÖKvi※f` cÖ※hvR¨ †¨v¤• nvi
01. wWwc ýbvU (GwmGd-171K) 2,000/- UvKvi wb※æ 10.00 UvKv
(ýiwfwbD †¨v¤•)2000/ n※Z
10,000/- ch©š@ 20.00 UvKv
(ýiwfwbD †¨v¤•) 10,000/- UvKv
n※Z Z`yaŸ© 50.00 UvKv (ýiwfwbD
†¨v¤•)
02. ýjUvi Ae Kw›UwbDwU ( Gj,Gd-60-B) 50.00UvKvi bb-RywWwkqvj
†¨v¤•
03. GwMÖ※g›U di K¨vk ýµwWU (ýcţR GwMÖ※g›U GÛ GwMÖ※g›U di
nvB※cvw_※Kkb Ae ýWU&m GÛ G¨v※mUm Rvwgbmn) (Gj,Gd-
60-G,we,wm,wW)
300.00 UvKvi bb-RywWwkqvj
†¨v¤• (miKvwi wb※`©kbv Abymv※i)
04. ýjUvi Ae wWm※K¬Bgvi (ýMvWvDb fvov Kivi ý¶※Î)
(Gj,Gd-60-Gd)
300.00 UvKvi bb-RywWwkqvj
†¨v¤• (miKvwi wb※`©kbv Abymv※i)
05. wifvBfvj ýjUvi (Gj,Gd-60-wR) 50.00 UvKvi bb-RywWwkqvj
†¨v¤•
06. ¸`v※gi wdwRK¨vj c※Rkb D※`¨v³v KZ©‾K e¨vs※Ki eive※i
n @vš@ýii ¶gZv `vb|
50.00 UvKvi bb-RywWwkqvj
†¨v¤•
07. ýKv¤•vwbi m¤•※`i Dci cybt PvR© m‾wó bv Kivi wel※q
AvÛvi※UwKs (Gj,Gd-60-GBP)
50.00 UvKvi bb-RywWwkqvj
†¨v¤•
08. ýKv¤•vwbi e¨e¯‟vcbv ýUK-Ifvi, ¯‟vqx m¤•` weµq A_ev
Bnvi mve-eÜKx cÖ`v※bi wel※q e¨vsK※K ¶gZv cÖ`vb|
50.00 UvKvi bb-RywWwkqvj
†¨v¤•
09. ýMvWvDb †vd※`i ýeZb fvZvmn Ab¨vb¨ Bwť※W›Uvj PvR©
ýKv¤•vwbi wnmve ýWweU K※i cwi※kv※ai wel※q ¶gZv cÖ`vb
(ýcţR F※Yi ý¶※Î)| (Gj,Gd-60-Gb)
50.00 UvKvi bb-RywWwkqvj
†¨v¤•
10. ýcţR †K ý_※K gvjvgvj Pzwi, NvUwZ n※j Zvi `vq-`vwqZ¡
D※`¨v³vi/ýKv¤•vwbi Dci eZ©v※e G g※g© ýNvlYcÎ (ýcţR
F※Yi ý¶※Î)
50.00 UvKvi bb-RywWwkqvj
†¨v¤•
11. ýKv¤•vwbi ý¶※Î cwiPvjK※`i GKK/ýhŠ_ M¨vivw›U 300.00 UvKvi bb-RywWwkqvj
†¨v¤•
12. ýjUvi Ae G¨vK※m※ŧť 50.00 UvKvi bb-RywWwkqvj
†¨v¤•
13. cvIqvi Ae GUwb© (eÜKK…Z m¤•wË mivmwi wbjv※g wewµ)
(FY Av`vq gnvwefvM cwicÎ bs-09/2005, ZvwiL
20.11.2005 Bs)
300.00 UvKvi bb-RywWwkqvj
†¨v¤•
* miKvwi †¨v¤•G¨v± Ges e¨vsK KZ©…K mg‡q mg‡q cwieZ©xZ wb‡`©kbv AbymiY Ki‡Z n‡e|
52
cwiwkó-01
Manager
Bangladesh Krishi Bank
.....................................
.....................................
Sub: Letter of Acceptance.
Dear Sir,
With reference to you Loan Sanctioned Letter No.BKB/......................../2018 Dated.
10.08.2018. I/We do hereby agree with all the terms & conditions contained therein.
Your’s Faithfully,
Managing Director
53
cwiwkó-02
LF-60(e)
LETTER OF CONTINUITY
The Manager Place…………….
Bangladesh Krishi Bank Date……………..
.......................................
................................
Dear Sir,
Referring to the Demand promissory Note for Tk............................................ (Tk.
....................) only (for ................. Trading) dated ……..........….. made by .............................,
Borrower in favour of ....................................and endorsed by the latter to your bank, a
which is given to you as a Continuing Security for repayment of any outstanding including
interest in my/our overdraft/cash credit account which is at present outstanding or may be
outstanding in future in my/our account with you, I/we undertake that I/we will remain
liable on the said Promissory Note jointly and severally until final adjustment of the loan,
notwithstanding the fact that the outstanding in the said account may from time to time be
reduced or completely extinguished or brought into credit by payment of cash /cheque
therein by me/us.
Your's faithfully
Guarantor Borrower
54
cwiwkó-03
A½xKvibvgv
(Demand Promissory Note)
msjMœx -'K'
LF-71 (K)
UvKv t ......................... ZvwiLt ..............................
M‾nxZ g–※j¨i Rb¨ Avwg/Avgiv evsjv※`k K…wl e¨vsK ev Bnvi Avw`ó※K Pvwnev gvÎ UvKvt....................... K_vq
(..............................................................) Ges Bnvi Dci GB ZvwiL nB※Z evwl©K kZKiv..........% nv※i
cÖwZ ˆÎgvwmK/lvb¥vwmK/evwl©K wfwË※Z cÖ※hvR¨ my`mn cwi※kva Kwi※Z A½xKvi Kwi※ZwQ|
¯^v¶it.........................................
¯^vÿx t
1|
2|
†¨v¤•
55
cwiwkó-04
LF-60(g)
REVIVAL LETTER
Manager
Bangladesh Krishi Bank Date……………..
.........................................
...............................
Dear Sir,
With reference to my/our Cash Credit/Project Loan Account with you secured by a
Demand Promissory Note dated the ………………………… for Tk................ (Tk. ...............) only
(for .................... Trading) with interest made by me/us in your favour, I/we acknowledge
for the purpose of Section 19 of the Limitation Act IX of 1908 and any like Limitation Law in
order to preclude any question of Limitation Law that I am/we are liable to you for payment
of the said promissory note with interest and the same is to remain in force with all relative
securities, agreement and obligations.
Your’s Faithfully,
†¨v¤•
56
cwiwkó-05
LF---18
DEED OF AGREEMENT
This agreement made this the -------------------day of 2017 between the Bangladesh
Krishi Bank established under the BKB order, 1973 (President`s order No. 27 of 1973)
hereinafter called the creditor, FIRST PARTY.
AND
M/S............................( hereinafter called the Borrower, Second Party)
AND
M/S............................( hereinafter called the Broker, Third Party)
Which expression shall unless excluded by or repugnant or contrary to the context be
deemed to include their heirs, executors, administrators, legal representative and assigns.
2. WHEREAS the creditor, First Party above named has through a deed of
hypothecation dated............ made an advance of loan of TK........... to the Borrower Second
Party for utilizing the same in the Tea Estate named................... Tea Estate and,
3. WHEREAS the above named Borrower, Second Party through the said hypothecation
deed acknowledge the receipt of the sum of TK.................... as loan from the Creditor, First
Party for utilizing the same in the above named Tea Estate and,
4. WHEREAS the above named Borrower, Second Party has under the terms and
conditions of the above said hypothecation deed, agreed to repay the aforesaid amount of
loan as hereunder.
5. WHEREAS the above named Borrower, Second Party has agreed to the terms and
conditions laid down in the aforesaid deed of hypothecation and,
6. WHEREAS the creditor, First Party has agreed that the above named Borrower
Second Party should sell the entire Tea produce in the aforesaid Tea Estate through the
above named Broker, Third party and,
7. WHEREAS the above named Borrower, Second Party has agreed to sell the entire
quantity of tea produce in the aforesaid Tea Estate through the above named Broker, Third
party and,
8. WHEREAS the above named Broker, Third party has agreed to accept the tea
produced by the aforesaid Tea Estate for sale by either Public Auction or private provided
that the Broker shall obtain prior approval of the Bank (First Party) as to prices while making
private sales, witnessed as hereunder:-
8. (i) That in pursuance of the aforesaid agreement between the three parties
mentioned above the Broker, Third party shall make payments of the entire sale proceeds
of tea to BKB Branches at Chittagong or other branches as per desire of the First Party on
57
prompt dates of respective sales without making any deduction for advances,
manufacturing charges or for any other reasons except Broker`s commission and normal
sale charges to be prescribed by the Bank from time to time relating to auction sales only
to the Creditor First Party named above for the First day of June.... .... .... ...... or from the
prompt date of first sale of the season and shall continue so to do out of the sale proceeds
of tea of subsequent season also until the Creditor First Party intimates to the Broker Third
Party to discontinue making such payments and the Broker shall also furnish to the Creditor
a sales return within three days of each prompt date of all teas received by the Brokers
from the Borrowers, the mode of their disposal and the proceeds realized, details of
deductions made the reform and amount remitted.
(ii) That in case of blocking the fund in any manner by the Third party (Broker), he
shall be able to pay full interest for the blocked amount at the highest rate chargeable by
the Bank apart from being liable for other actions as per rule/law of the country.
In witness whereof all the three parties have set their hands and seals hereunto on
the date, month and year mentioned above.
Witnesses:
(1)................................................. (1)................................................
Creditor, First Party.
(2)................................................. (2).................................................
Borrower, Second Party.
(3)................................................. (3).................................................
Broker, Third Party.
58
cwiwkó-06
LF 60 (c)
AGREEMENT FOR CASH CREDIT
Hypothecation of Goods
(To be stamped as an Agreement in accordance with the stamp duty in force)
(Not to be attested)
Date-……………………………...
Bangladesh Krishi Bank (hereinafter referred to as “the bank”) having at the request of
....................................................................................................................................................
(hereinafter referred to as “ the Borrower)” and of ………………………………………………………………
....................................................................................................................................................
.................................................................................. (hereinafter referred to as the
Guarantor of the said Company) agreed to grant accommodation to the Borrower by way of
cash credit account to be secured by the Borrower’s demand promissory Note in favour of
the said Guarantor/s and endorsed to the Bank or order and to be further secured as herein
provided it is agred by the Borrowers and the Guarantor/s as follows :-
1. That the whole of the Borrower’s ………………………………..…..……………............................
....................................................................................................................................................
................................................................ whether raw or in process of manufacture and all
articles manufactured there from which now or hereafter from time to time during this
security shall be brought into stored or be in or about the Borrower’s go downs or premises
at.................................................................................................................................................
or wherever else the same may be (including any such goods in course of transit or delivery)
with the benefit of all rights relating thereto shall stand hypothecated to the bank on
demand of all moneys at any time payable by the Borrower to the Bank in respect of the
said cash credit account and also as security for the payment and discharge of all
indebtedness or liability of the Borrower to the Bank in respects to any bills of exchange,
promissory Notes or instruments at any time drawn, made, accepted or endorsed by the
Borrower simply or jointly with others which the Bank may discount or become interested
in together with all discount, commission charges, costs (between Attorney and client) and
expenses payable to or incurred by the Bank in relation thereto.
2. That interest at the rate of ......................... percent per annum shall be calculated on
daily balance payable by the Borrower to the Bank and charged in account on the last
working day of each month in accordance with the practice of the Bank.
59
3. That the Bank shall not be required to make or continue advances on the said cash
credit Account otherwise than at the Bank’s discretion and in no circumstances to an
amount at any one time exceeding with interest thereon the sum of TK
....................................................................................................................................................
....................................................................................................................................................
....................................................................................................................................................
or a sum equal to ............................. Percent of the normal current market value of the said
goods which ever sum may be the less.
4. That the said goods shall be dept at the Borrower’s risk and dispense in good
condition and fully insured against loss or damage as may be required by the Bank.
5. That the said goods shall be kept at the Borrower’s risk and expense in good
condition and fully insured against loss or damage as may be required by the Bank.
6. That the Bank, its Manager and Nominees shall be entitled at all times without notice
to the Borrower but at Borrower’s risk and if so necessary as Attorney for and in the name
of the Borrower to enter any place where the said goods may be and inspect, value, insure,
superintend disposal and/or take particulars and charge of all or any part of the said goods
and check any statement, accounts, reports and in formations and also on any default of
the Borrower in payment of any money hereby secured or the performance of any
obligation of the Borrower to the Bank or the occurrence of any circumstances in the
opinion of the Bank endangering this security to take possession or recovery, receive,
appoint receivers or remove and/or sell by public auction or private contract dispatch for
realization or otherwise dispose of or deal with all or any part of the said goods and to
enforce, realize, settle, compromise and deal with any rights or claims relating thereto
without being bound to exercise any of the se powers or being liable for any loss in the
exercise thereof without being bound to exercise any of the se powers or being liable for
any loss in the exercise thereof and without prejudice to the Bank’s rights and remedies of
suit or otherwise and notwithstanding there may be any pending suit or other proceeding
the Borrower undertaking to give immediate possession to the Bank on demand of the said
goods and to transfer and deliver to the Bank all relative bills, contracts, securities and
documents and agreeing to accept the Bank’s accounts of sales and realist ions as exclusive
proof of amount realized and relative expense and to pay any shortfall or deficiency thereby
shown provided that the Bank shall be entitled at all times to apply any other money or
moneys in his hands standing to the credit of or belongings to the Borrower in or towards
payment of any amount for the time being payable to the Bank on the said cash credit
account or otherwise as aforesaid and to recover at any time from the Borrower by suit or
otherwise the balance remaining payable to the Band on the said cash credit account or
otherwise notwithstanding that all or any of the securities may not have been realized
60
provided also that subject to these powers of the Bank the Borrower may with the approval
of the Bank sell the said goods from time to time in due course of business provided the
margin of security required by the Bank is fully maintained and on the term of payment or
delivery to the Bank of the proceeds thereof or documents therefore immediately on
receipt thereof.
7. That all the said goods and all sale, realization and insurance proceeds thereof and all
documents under this security always be dept distinguishable and as the held s the Band’s
exclusive property specifically appropriated to this security to be dealt with only under the
directions of the Bank and the Borrower shall not create any mortgage, charge, lien or
encumbrance upon or over the same or any part thereof except to the Band nor suffer any
such mortgage, charge, lien or encumbrance to effect the same or any part thereof nor do
or allow anything that may prejudice this security.
8. That the Borrower shall submit to the Bank monthly or oftener as may be required
stock statements with list of current insurance policies and amounts attached verified by
certificates of its managing Director or the Manager for the time being that the quantities
and amount stated are car But and that Gaff stocks are fully covered by insurance and shall
also furnish and verily all cerements, retunes certify and shall also execute all documents
and do all acts and things which the Band may require to give effect hereto and the
Borrower authorizes the Band and each of its Managers and nominees as Attorney for and
in the name of the Borrower to do .............................................. may be required to do
hereunder.
9. That this agreement shall operate as a continuing security for all moneys,
indebtedness and liabilities aforesaid notwithstanding the existence of a credit balance on
the said account.
10. That nothing herein shall produce any rights or remedies of the Bank in respect of
any present or future security guarantee, obligation or decree for any indebtedness or
liability of the Bo tower to the Bank.
11. That it is declared that all present goods aforesaid are the absolute property of the
Borrower at the sole disposal of the Borrower and free from any prior charge or
encumbrance and that all future goods hereunder shall be likewise the unencumbered,
absolute and disposable property of the Borrowed.
13. That in consideration of the Band agreeing at the request of the said guarantor to
grant accommodation to the Borrower and as part of the security therefore the said
Guarantor/s personally guarantee to the Band the repayment by the Borrower in the Bank
on demand of all moneys at any time payable by him to the Bank in respect of this
instrument as well as the said cash Credit Account and also the sufficiency from time to
time of the quantity and value of the goods hereby hypothecated on the terns hereof and
agree that the Band shall be free without credence or notice to the said Guarantor’s to
61
grant time to and make any arrangement with the Borrower or ant party liable and to bray,
renew, release, realize and deal withal or any of the said goods and any securities,
obligations or decrees aforesaid as the Band may thin fit without impairing the obligation of
the said guarantor/sto the bank in respect of this guarantee or otherwise, and also that if
the guarantor/be more than one individual all shall be bound hereby jointly and severally
and if a firm or members of a firm such firm and all members form time to time thereof
shall be bound hereby jointly and severally notwithstanding any changes in the constitution
or style thereof and whether such firm consists of or be reduced to one individual at ant
time.
------------------------------------- ------------------------------------
------------------------------------- ------------------------------------
------------------------------------- ------------------------------------
Guarantor/s) (Borrower)
For and on behalf of
Bangladesh krishi bank
Manager
----------------------------Branch
62
cwiwkó-07
LF- 60 (d)
AGREEMENT FOR CASH CREDIT
HYPOTHECATION OF DEBTS & ASSETS
(To be stamped as an agreement in accordance with the stamp)
duty in force at the time of execution Not to be attested
Dated the .................. 20
BANGLADESH KRISHI BANK (hereinafter called the Bank) having at the request of ……………….
....................................................................................................................................................
....................................................................................................................................................
(hereinafter called the Borrower) and of …………....................................................................
....................................................................................................................................................
....................................................................................................................................................
the Managing Agents of the said company agreed to grant accommodation to the borrower
by way of cash credit Account to be secured by the borrower’s Demand promissory note in
favor of the said Managing agents and endorsed to the Bank or order and to be further
secured as herein provided, it is agreed as follows.
(1) That all the borrower’s present and future book debts outstanding moneys
receivable claims. bills, contracts, engagements, securities, investments, rights and assets
(except property effectively, otherwise hypothecated, charged or mortgaged to Bank) shall
be hypothecated to the Bank and its assigns by way of first charge as security for the
payments to the Bank on demand of all moneys at any time payable by the borrower to the
Bank in respect of the said cash credit account and also as security for the payment and
discharge of all indebtedness or liability of the borrower to Bank in respect of any bills of
exchange, promissory notes or instruments at anytime drawn, made, accepted or endorsed
by the borrower solely or jointly with others which the Bank may discount or become
interested in together with all interest, discount, commission, charges, costs (between
Attorney and Client) and expenses payable to or incurred by the Bank in relation thereto.
(2) That interest at the rate of .......................................................................................
....................................................................................................................................................
percent per annum shall be calculated on the daily balance payable by the borrower to the
borrower to the Bank and charged on the last working day of cash month in accordance
with the practice of the Bank.
63
(3) That the Bank shall not require to make or continue advances on the said cash credit
Account otherwise than at the Bank’s discretion an in no circumstances to an amount at any
one time exceeding with interest thereon the sum of Tk .................................... (Taka
..................................... )or the sum stated in any separate deed of hypothecation of goods
in connection with the said account whichever sum may be the less.
(4) That on any default of the borrower in payment of any money hereby secured or the
performance of any obligation to the Bank or the occurrence of any circumstances in the
opinion of Bank endangering this security, the Bank shall be entitled at the borrower’s risk
and expense an attorney for and in the name of the borrower or otherwise to take
possession and/or appoint receivers of any debts or assets under this security, give notices
of demand to debtors and third parries liable.
Therefore, sue for recovery, receive and give receipts for the same and sell or realize
by public auction or private contract or otherwise dispose of all or any part of such debts or
assets and endorse, settle, compromise (submit to arbitration) or deal in any manner with
any debts or claims under this security and to complete and engage and carry on the
business of borrowers through agents, managers or otherwise without being bound to
exercise any of these powers or being liable for any loss in the exercise thereof and without
prejudice to the Bank’s rights and remedies of suit or otherwise and notwithstanding that
there may be any pinking suit or other proceedings, the borrower undertaking to give
notices to debtors as and when required by the Bank and to transfer and deliver to the Bank
all relative documents and papers and agreeing to accept the Bank’s accounts of receipts
from realizations as sufficient proof. of amounts realized and relative expenses and to pay
any shortfall or deficiency thereby shown provided that the Bank shall be entitled al all
times to apply any other money or moneys in its hand standing to the credit of or belonging
to the borrowers in or towards payments of any amount for the time being payable to the
Bank on the said cash credit Account or otherwise notwithstanding that all or any of the
securities may not have been realized groined also that subject to these powers of the Bank
the borrower may with the approval of the Bank deal with the said debts and assets in due
course of business on the expressed understanding that the same and all proceeds thereof
and documents therefore are always kept distinguishable and held as the Bank’s exclusive
property specifically appropriated to this security to be dealt with only under the directions
of the Bank and the Borrower shall not create any mortgage, charge, lien or encumbrance
upon or over the same or any part thereof except to the Bank not suffer any such mortgage,
charge, lien or encumbrance to effect the same or any part thereof not do or allow any
thing that may prejudice this security.
(5) That the borrower will carry on business efficiently and will furnish and verify all
statements reports, accounts, documents, and information and will also execute all
documents and do all acts and things which the Bank may require to give effect attorney for
64
and in the name of the borrower to do whatever the borrower may be required to do
hereunder.
(6) That this agreement shall operate as a continuing security for all moneys
indebtedness and liabilities aforesaid notwithstanding the existence of a credit balance on
the said account at any time or any payments or fluctuations of accounts.
(7) That nothing herein shall prejudice any rights or remedies of the Bank in respect of
any present or future security, guarantee, obligation or decree for any indebtedness or
liability lf the borrower to the Bank.
(8) That it is declared that all present debts and assets aforesaid are the absolute
property of the borrower, at the sole disposal of the borrower and free from any prior
charge or encumbrance and that all future debts and assets hereunder shall be likewise
unencumbered, absolute and disposable property of the borrower.
65
cwiwkó-08
LF-60(f)
LETTER OF DISCLAIMER
To
The Manager
Bangladesh Krishi Bank
......…………20…................
-------------------------------
Dear Sir,
We are the owners/ allottees/ lessees/ of......................................................................
We hereby state that we have permitted and given our consent to the storage of
............................... at present lying or which may hereafter be received for storage at our
said premises. We hereby declare and acknowledge that the said goods have been
purchased by and/or belong to M/S................................... and under pledge with the
BANGLADESH KRISHI BANK.
In consideration of the BANGLADESH KRISHI BANK allowing the goods to continue to
be stored at the said premises, we represent, covenant and agree with the bank as follows:
(i) To allow the employees or representatives of the BANGLADESH KRISHI BANK
free access to the said premises and to the said goods stored therein.
(ii) To allow the BANGLADESH KRISHI BANK to post its own chowkidars at the said
premises to look after the goods, to display its name boards at the said premises
and/or near of about the said goods and to carry out inspection to be carried out
of the said goods from time to time.
(iii) To keep and store the said goods as the bank’s exclusive property and segregated
from all other stocks and goods kept, stored or being in or at the said premises.
(iv) Except with the prior permission in writing signed by duly authorized officer of
the Bank, not to allow the removal of the said goods from the said premises
under any circumstances whatsoever.
(v) Not to hinder or obstruct the Bank or its duly authorized agents or
representatives in any manner whatsoever in the removal of the said goods from
the said premises and we hereby declare and agree that the bank and its duly
authorized agents and representatives shall always be at liberty and have
authority to remove the said goods or any part thereof from the said premises at
all times or at any time without being required to take permission from us.
66
(vi) Not to hold the Bank in any way responsible or liable for the rent of the said
premises and/ or for the charges, costs, or expenses or storage of the said goods
in or at the said premises.
(vii) Not to make any claim to or against the said goods for any money due to us from
the said Messrs-
....................................................................................................................................
Including moneys due on account of rent of the said premises, storage charges,
costs and expenses and we hereby disclaim all right and interests in or to the said
goods.
Yours faithfully
67
cwiwkó-09
LF-60(h)
Letter of undertaking by company not to create
any further charge over the property and
assets including uncalled capital.
(To be stamped as an agreement)
To
The Manager
Bangladesh krishi Bank
-------------------------------
1. Insert name
of borrowers.
As part of the consideration for your making or continuing
advance to us (i)----------------------------------------------------------------
------------------------------Limited on Demand Loan/Demand Cash
Credit or otherwise, we hereby declare that no mortgage, charge,
lien or encumbrance of any kind other than (2)-------------------------
----------------------------------------------------------------------------------------
--------------------------------------------------------------------------------
2. Here insert
short
particulars any
existing
mortgage etc.
----------------------------------------------------------------------------------------
has been made or allowed over or affecting our undertaking
property of (whether movable or immovable) and assets
(including uncalled capital) or any part thereof and that we
undertake no such mortgage, charge, lien or encumbrance shall
be made or allowed which we remain indebted or liable
to you in any manner without your previous written consent.
Dated--------------------20
(To be signed by the company under seal)
68
cwiwkó-10
LF-60(i)
BANGLADESH KRISHI BANK
FORM OF GURANTEE FOR ADVANCES AND CREDITS GENERALLY
To
The Manager
Bangladesh Krishi Bank
................. Branch.
Gentleman
1. In consideration of your at my/our requests making advances or otherwise giving
credit to.................................................. (hereinafter referred to as “the
Principal/Principals”) whether to him/them/it alone or to him/them/it jointly with any other
party or parties, and whether by allowing him/them/it to overdraw his/their/its account or
by discounting bills, hundies, or drafts of any kind of otherwise, whosoever, i/we, the
undersigned .................................................. guarantee, payment to the bank of the
amounts of all such advances and credits and of interest, commission, costs, charges and
expenses chargeable by the bank in respect of such advances and credits, provided that
i/we shall in no event be liable under this guarantee to pay to the Bank a sum exceeding tk -
----------------------------------------------------------------------------------------------(hereunder referred
to as “the maximum principal sum”) on account of the amount of such advances and
credits. In addition to being liable to pay the maximum principal sum, we shall be liable to
pay interest thereon at the rate chargeable by the bank to “the Principal/ Principals” as also
all commission, costs, charges and expenses which may be recoverable by the bank from
the principal/ principals in respect of the maximum principal sum.
2. I/ We agree that the amount hereby guaranteed shall be due and payable to you on
your serving me/us with a notice, requiring payment of the amount, and such notice shall
be deemed to have been served on me/us by registered post at my/our address written
hereunder or any other address in Bangladesh to which I/ We may by written intimation
have given to the bank request notices addressed to me/us to be dispatched. Any notice
dispatched by the bank by registered post to me/ us to the address to which it is required to
be dispatched by this clause shall be deemed to have been duly served on me/us at the
time when notice would in the ordinary course of post be delivered at the address,
69
notwithstanding that the notice may not in fact have been delivered to me/us or that the
address to which it is dispatched may have ceased to be my/our address.
3. (a) In the event of my death during the continuance of this guarantee the guarantee
shall remain in force until written notice of my death is delivered to the bank at its office at-
----------------------------------------------and my estate and effects will be liable under the
guarantee for all advances made and credits given by the bank to the Principal/ Principals
after my death but before delivery of the aforesaid notice as well as for all advances made
and credits given before my death.
(b) The death of any of us during the continuances of this guarantee shall not
operate as a revocation of its with regard to the survivor or survivors and shall operate as a
revocation as against the estate and effects of the deceased only from the time when
written notice of the death is delivered to the bank at its office
at.............................................................and the estate and effects of the deceased will be
liable under the guarantee for all advances made and credits given by the Bank to the
Principal/ Principals after the death of the deceased but before delivery of the aforesaid
notice as well as for all advances made and credits given before the death of the deceased.
(c) My/our guarantee shall not be revoked or affected by the admission into the firm
of (---------------------------------------------------------) notwithstanding that the firm may at the
time such advances and credits are made and given be constituted differently from its
present constitution.
4. The guarantee may be revoked by delivery to the Bank at its office at ......... .........
........ ..... ..... ..... ..........................................of a written notice signed by me/us
.............................................all of us jointly, intimating our desire to revoke the guarantee,
but such revocation shall not affect my/our liability for all advances made and credits given
by the Bank before delivery of the aforesaid notice and also until such time that all dues of
this bank has been fully realized.
5. I/ We agree that the entries in the Books kept in the ordinary course of your business
with regard to the advances made or credits given to the Principal/Principals and with
regard to the interest, commission, costs, charges and expenses debited to principal/
principals shall be conclusive evidence against me of the transactions and matters therein
appearing and of the principal/ principals liability for the sum shown to be due by such
entries.
6. I hereby consent to your making any variance that you may think fit in the terms of
your contract with the principal/ principals to your determining, enlarging or varying any
70
credit to him/ them/ it to your making any composition with him or promising to give
them/ it time or not to sue him/ them/ it and to your parting with any security you may
hold for the guaranteed debt. I/ We also agree that I/we shall not be discharged from my/
our liability by your releasing the principal/ principals or by any act or commission of yours
which would, but for this present provision be inconsistent with my rights as sureties or by
your omission to do any act which, but for this provision, your duty to me would have
required you to do. Through as between the principal/ principals and myself/ ourselves I/
we am/ are sureties only. I/we agree that as between yourselves and me/ us, I/ we am/ are
principal debtor/ debtors jointly with him/ them/ it and accordingly i shall not be entitled to
any of the rights conferred on sureties by sureties by sections 113, 134, 135, 139, and 141
of the contract Act.
7. I/ We agree that if the Principal/ Principals shall be found not to be liable to you in
law for the advances made or credits given by you to him/ them, by reason of their
incapacity to borrow or to contract or for any other reason, i shall nevertheless be liable as
Principal debtors to pay to you all the sums that would have been recoverable by you from
me/us as guarantors, if the principal/principals had been liable for the advances and credits.
8. I/We hereby declare that this guarantee is in addition to and not by way limitation
of, or substitution for, any other guarantee or guarantees that I may have previously given
or may hereafter give to you (whether alone or jointly with any other party or parties) and
that this guarantee shall not revoke or limit any such other guarantee or guarantees.
In the presence of witness:- Signature(s) of the Guarantor(s)
1......................................... ........................... ....................
2.......................................... ...............................................
71
cwiwkó-11
DEED OF PERSONAL GUARANTEE
This Deed of Guarantee executed this the ……....… day of …........…… by ........... ....... ....
.... ... ...., S/o-..................................., ................... hereinafter referred to as the Guarantee
which expression shall include their hairs successors, legal representatives and as signs in
favor of the Bangladesh Krishi Bank Establishment under the BKB order No.27 of 1973
having its head offices at 83-85, Motijheel C/A, Dhaka.
Whereas the Bangladesh Krishi Bank agreed to make an advance not exceeding
Tk............................ lac, (Tk. ..........................) only as a loan of ....................................
AND
Whereas the said ..........................................., having no sufficient securities to
mortgage to BKB for the said loan money to be advance by the Bank the said guarantee
agree to stand as personal sureties for the said loan money together with cost, charges, and
expenses. This guarantee, therefore, witnessed as follows:-
1. That the guarantor hereby agree and consent with the BKB to stand as surely and
mortgage personal properties for the entire sum of Tk........................ lacs (Tk.
.......................) only advance (for ................... Trading) by BKB to said……………………………
together with interests, costs, charges and expenses incurred thereon.
2. That this guarantee shall be irrevocable and shall be a continuing guarantee binding
upon the said guarantee till full payments has been made to the Banks overdue together
with interests, costs, and charges etc. the said loan advance to
................................................................
3. That the said guarantor shall be personal liable for the entire loan money advance to
................................................................., together with interests cost charge and expenses
although the guarantors are only members of the said company/Enterprises.
4. That in case of failure of ............................................................., to repay the entire
dues of the BKB on account he said of Tk...................................(Tk. ..............................) only
(for ................ Trading) together with interests, costs and expenses etc. in the due time
guarantor shall repay the said dues of the Bank without any expenses whatsoever in this
respects.
72
5. Notwithstanding that as between the said guarantors and… …… … …… …… .… …… ……
……………………………………the guarantors herein are only sureties yet as between that said
guarantor and the BKB, the guarantor shall be as treated as the principal debtor for all
principal money, interest, cost charges and expenses. Hereby guaranteed and the
guarantors not be released from their personal liabilities by time be being given to aid,
company/Enterprises or by any other variation of the provision contained in any sanction
letter or by anything by reasons of which but for those provisions the guarantor would be
sureties only have been released or discharged.
6. That the guarantor who are also the properties of
......................................................................, agrees and covenants with the bank that fulfill
and final satisfaction of entire due of the Bank Bangladesh Krishi Bank,
....................................................... to .......................... .......... ...... ....... ....... ...
............................, all the properties moveable and immoveable being the said guarantors
within territory of Bangladesh either in their own name or in the names of this dependent
including his wife and children or in Donami.
Witnesses:
01.
Name :
Fathers Name :
Address :
- Chairman -
02.
73
cwiwkó-12
DEED OF JOINT GUARANTEE
This Deed of Guarantee executed this the …....…… day of …...…… by i) Mr.
................................, S/o: ii) ....................., S/o................., .................., iii) ......................, S/o
................, .................., iv) ........................., S/o .................., .................., .......................,
............, ..............., ..............., ................ hereinafter referred to as the Guarantee which
expression shall include their hairs successors, legal representatives and as signs in favor of
the Bangladesh Krishi Bank Establishment under the BKB order No.27 of 1973 having its
head offices at 83-85, Motijheel C/A, Dhaka.
Whereas the Bangladesh Krishi Bank agreed to make an advance (for ........... Trading)
not exceeding Tk............. (Tk.............) only as a loan of ...................................
A N D
Whereas the said .................., having no sufficient securities to mortgage to BKB for
the said loan money to be advance by the Bank the said guarantee agree to stand as personal
sureties for the said loan money together with cost, charges, and expenses. This guarantee,
therefore, witnessed as follows:-
1. That the guarantor hereby agree and consent with the BKB to stand as surely and
mortgage personal properties for the entire sum of Tk.................. (Tk............) only advance
(for............................) by BKB to said…………………………… together with interests,
costs, charges and expenses incurred thereon.
2. That this guarantee shall be irrevocable and shall be a continuing guarantee binding
upon the said guarantee till full payments has been made to the Banks overdue together with
interests, costs, and charges etc. the said loan advance to ........................
3. That the said guarantor shall be personal liable for the entire loan money advance to
.............................., together with interests cost charge and expenses although the guarantors
are only members of the said company/Enterprises.
4. That in case of failure of ............................, to repay the entire dues of the BKB on
account he said of Tk............. (Tk.............) only (for .............. Trading) together with
interests, costs and expenses etc. in the due time guarantor shall repay the said dues of the
Bank without any expenses whatsoever in this respects.
5. Notwithstanding that as between the said guarantors and… …… … …… …… .…
…… …… ……………………………………the guarantors herein are only sureties yet as
74
between that said guarantor and the BKB, the guarantor shall be as treated as the principal
debtor for all principal money, interest, cost charges and expenses. Hereby guaranteed and
the guarantors not be released from their personal liabilities by time be being given to aid,
company/Enterprises or by any other variation of the provision contained in any sanction
letter or by anything by reasons of which but for those provisions the guarantor would be
sureties only have been released or discharged.
6. That the guarantor who are also the properties of ....................., agrees and covenants
with the bank that fulfill and final satisfaction of entire due of the Bank Bangladesh Krishi
Bank, ............., ..........., ..................to ............................., all the properties moveable and
immoveable being the said guarantors within territory of Bangladesh either in their own
name or in the names of this dependent including his wife and children or in Donami.
Witnesses:
(1) Name
Fathers Name
Address
:
:
:
Chairman
(2) Name
Fathers Name
Address
:
:
:
Managing
Director
(3) Name
Fathers Name
Address
:
:
:
Director
(4) Name
Fathers Name
Address
:
:
:
Director
75
cwiwkó-13
TENDER GUARANTEE:
BENEFICIARY:
------------------------------------
------------------------------------
------------------------------------
------------------------------------
SUBJECT: OUR BANK GUARANTEE NO. BKB/-------------------- DATED ---
----------------------- EFFECTIVE FROM ----------------------------------
FOR US$. ---------------------------- (U.S. DOLLAR ------------------------)
ONLY DATE AND PLACE OF EXPIRY AT 12.00 NOON ON OR
BEFORE --------------------- (EXPIRY DATE) AT THE COUNTER OF
BANGLADESH KRISHI BANK, 83-85, MOTIJHEEL C/A, DHAKA.
WE, BANGLADESH KRISHI BABNK, HAVE BEEN INFORMED THAT ---------------------
-------------------------------------------------------------------------------------------------------------------------
----------------------------------------(HEREINAFTER CALLED 'THE TENDERER') INTENDS TO
SUBMIT TO YOU ITS TENDER DATED ------------------------------------------- FOR THE SUPPLY
OF BREAK DOWN VAN UNDER THE ABOVE INVITATION FOR TENDERS ( INVITATION
FOR TENDER NO FS AND -------------------------------------------------------------)
FURTHERMORE, WE, BANGLADESH KRISHI BANK, UNDERSTAND THAT,
ACCORDING TO YOUR CONDITIONS TENDERS MUST BE SUPPORTED BY A TENDER
GUARANTEE.
AT THE REQUEST OF THE TENDERER, WE BANGLADESH KRISHI BANK, HEREBY
IRREVOCABLY UNDERTAKE TO PAY YOU, WITHOUT CAVIL OR AGRUMENT, ANY SUM
OR SUMS NOT EXCEEDING IN TOTAL AN AMOUNT OF USD.---------------------------------------
---------------------- ONLY) UPON RECEIPT BY US OF YOUR FIRST WRITTEN DEMAND
ACCOMPANIED BY A WRITTEN STATEMENT THAT THE TANDERER IS IN BREACH OF
ITS OBLIGATION(S) UNDER THE TENDER CONDITIONS, BECAUSE THE TENDERER:
(A) HAS WITHDRAWN ITS TENDER DURING THE PERIOD OF TENDER VALIDITY
SPECIFIED BY THE TENDER IN THE FORM OF TENDER: OR
(B) DOES NOT ACCEPT THE CORRECTION OF ERRORS IN ACCORDANCE WITH THE
INSTRUCTIONS TO TENDERS OF THE IFT, OR
(C) HAVING BEEN NOTIFIED OF THE ACCEPTANCE OF THE TENDER BY THE
PURCHASER DURING THE PERIOD OF TENDER VALIDITY,
76
(I) FAILS OR REFUSES TO FURNISH THE PERFORMANCE SECURITY IN ACCORDANCE
WITH THE ITT, OR (II) FAILS OR REFUSES TO EXCUTE THE CONTRACTFORM.
FOR BANGLADESH KRIHI BANK
AUTHORISED SIGNATURE AUTHORISED SIGNATURE
THIS GUARANTEE WILL EXPIRE :
(A) IF THE TENDERER IS THE SUCCESSFUL TENDERER, UPON OUR RECEIPT OF A
COPY OF THE PERFORMANCE SECURITY AND A COPY OF THE CONTRACT SIGNED
BY THE TENDERER AS ISSUED BY YOU, OR
(B) IF THE TENDERER IS NOT THE SUCCESSFUL TENDERER, TWENTY EIGHT DAYS
AFTER THE EXPIRATION OF THE TENDERER'S TENDER VALIDITY PERIOD, BEING -
--------------------------------.
CONSEQUENTLY, WE MUST RECEIVE AT THE ABOVE MENTIONED OFFICE ANY
DEMAND FOR PAYMENT UNDER THIS GUARANTEE ON OR BEFORE --------------------
-------------------------
(C) THAT WE SHALL KEEP THIS GUARANTEE VALID AND IN FORCE TILL ------------------
------------------ OUR LIABILITY UNDER THIS GUARANTEE IS LIMITED TO
US$.------------------------------------------------ ONLY. ANY CLAIM UNDER THIS
GUARANGTE MUST BE PRESENTED TO US BEFORE EXPIRY OF ITS VALIDITY I.E. --
--------------------------, AFTER THE EXPIRY DATE WE SHALL CONSIDER OURSELVES
TO BE RELEASED FROM OUR LIABILITY UNDER THIS GJUARANTEE WHETHER OR
NOT IT IS RETURNED TO US FOR CANCELLATION.
(D) WE HEREBY CONFIRM THAT OUR BANK IS A SCHEDULE BANK IN BANGLADESH.
FOR BANGLADESH KRIHI BANK
AUTHORISED SIGNATURE AUTHORISED SIGNATURE
77
cwiwkó-14
PERFORMANCE GUARANTEE:
Subject : Our Bank Guarantee No. BKB/............/........../ dated .................................
effective from .................................. for US$.................... (U.S. Dollar
....................................& Cents ...................) only date and place of expiry: At
12.00 Noon on ................................. (Expiry date) at the counter of Bangladesh
Krishi Bank, 83-85,Motijheel C/A, Dhaka, Bangladesh.
Whereas, the Directorate General Defence Purchase, Ministry of Defence, New
Airport Road, Tejgaon, Dhaka-1215 (herein after called Purchaser) has accepted the offer of
M/S .................................................................................... (hereinafter called
supplier)against Tender No........................................................ dated .............................. for
supply of .................................................. on the terms and conditions governing the
contract between the purchaser and supplier and whereas the supplier has requested us to
issue a Bank Guarantee for an amount of US$...................... (U.S. Dollar
.............................................. & Cents .................) only we, Bangladesh Krishi Bank hereby
undertake and guarantee due performance of the contract by the supplier and hereby
agree.
FOR BANGLADESH KRISHI BANK
AUTHORISED SIGNATURE AUTHORISED SIGNATURE
a). That we shall make an unconditional payment of US$...................... (U.S. Dollar
.............................................. & Cents .................)only to You or the purchaser
(DGDP) without any reference to the supplier immediately on the demand from you
in writing, Certifying that the supplier has failed to comply with the terms and
conditions of the contract.
b). That we shall keep this guarantee valid and in force till ............................
78
c). That we shall extend the period of this guarantee if such extension is desired by you
or the purchaser and intimated to us in writing.
d). That the enforcements of this guarantee shall be binding on us and on our successor
and shall be irrevocable. Our liability under this guarantee is limited to
US$...................... (U.S. Dollar .............................................. & Cents
.................)only and shall not be beyond the said amount. Any claim under this
guarantee must be presented to us before expiry of its validity i.e. ..............................
After the expiry date we shall consider ourselves to be released from our liability
under this guarantee whether or not it is returned to us for cancellation.
e). We hereby confirm that our Bank is a Schedule Bank in Bangladesh.
FOR BANGLADESH KRISHI BANK
AUTHORISED SIGNATURE AUTHORISED SIGNATURE
79
cwiwkó-15
Annexure-1
"Documentation" should be viewed as a process of ensuring shield against risk of non-
repayment of loan comprechensively in 03 (three) dimensions:
i) The Type of Borrower
ii) The Type of Loan or credit facilities &
iii) The Type of Security Arrangement.
General Documents: In general, required papers and documents to be obtained/
maintained irrespective of type of borrower, loan and security are:
01. Demand Promissory Note
02. Letter of Authority
03. Letter of Arrangement
04. Letter of Disbursement
05. Letter of Revival
06. Personal Net Worth statement
07. Copy of National ID
08. Credit Approach in Business Pad of the Borrower
09. Credit Approach in prescribed format duly filled in
10. Photograph of the Borrower
11. Photograph of the business/inventory
12. Photograph of the mortgaged property
13. Up to date CIB Report
14. Credit report of the Borrower/Supplier
15. Liability Declaration of the borrower along with an Undertaking that they have no
liability with any bank or financial institution except as declared.
16. Undertaking stating that, they will not avail any credit facility from any other bank or
financial institution without prior consent of the bank.
17. Undertaking stating that customer does not have any relationship as Director of
Sponsor with the bank.
18. Undertaking stating that customer shall not sell or transfer the ownership of the
business/factory/shop until all smounts due to the bank are fully paid or without
NOC of the bank.
19. Credit Risk Grading Score Sheet (CRGS)
20. Post-dated cheque covering the credit facility
21. Acceptance by the Borrower of the Sanction Letter
22. Proper Stamping
80
Specific Charge Documents and Papers to be Obtained:
A. As per type of Borrower:
SL Type of Borrower Document
01. Individual Borrower Letter of Guarantee of a Third Person
Personal Net-Worth Statement (PNS) of Gurarantor
Personal Net-Worth Statement (PNS) of the Borrower
Letter of Guarantee of the Spouse of the Borrower
02. Proprietorship Firm Trade License ( up to date)
Personal Net-Worth Statement (PNS) of Proprietor
03. Partnership Firm Trade License ( up to date)
Partnership Deed (Registered)
Letter of Guarantee of the Partners
Personal Net-Worth Statement (PNS) of Partner
Letter of Partnership
Partnership Account Agreement.
04. Limited Company Trade License ( up to date)
Memorandum and Articles of Association (Certified by
RJSC)
List/Personal profile of the Directors
Certificate of Incorporation
Form XII Certified by RJSC (Particulars of Directors)
Board Resolution in respect of availing loans and
execution of document with Bank.
Letter of Guarantee of the Directors
Personal Net-Worth Statement (PNS) of the Directors
Deed of Mortgage and Hypothecation for creation of
Charge on fixed & floating assets (existing & future)
with RJSC
Modification of charge with RJSC through form 19
Certified copy of charge creation certificate form RJSC
Undertaking stating that the borrower shall not make
any amendment or alteration in Memorandum and
Article of Association without prior approval of Bank.
81
Approval of the Bank for any inclusion or exclusion of
Directors in and from the company
Certificate of Commencement (In case of Public
Limited Company)
Joint venture Agreement (In case of Joint Venture
company)
BOI Permission (In case of Joint Venture company)
B. As per type of Loan/Credit facility:
SL Type of Loan Document
01. CC (Hypo) Letter of Hypothecation of stock in Trade
Supplementary Letter of Hypothecation
IGPA {spell out acronym} to sell Bypothecated goods
Letter of Continuity
Periodical Stock Report
Letter of Disclaimer form the owner of rented
Warehouse
Insurance Policy cover note
02. CC (Pledge) Letter of Pledge
IGPA to sell Pledged goods
Letter of Continuity
Periodical Stock Report
Letter of Disclaimer form the owner of rented
Warehouse
Insurance Policy cover note
03. Overdraft
(General)
Letter of Continuity
Insurance Policy cover note
04. SOD (Work Order) Bid Cocument/Tender Notice
Letter of Awarding
Assignment of Bills against work order
05. SOD (FO) The Financial Instrument duly discharged on the Back
Lien of the Financial Instrument
Letter of Continuity
06. SOD (Scheme
Deposit)
Lien of the Scheme Deposit
Letter of Continuity
82
07. Term Loan Term Loan Agreement
Letter of Instrument
Letter of Undertaking
Amortization Schedule
Instrument Policy cover note
08. Home Loan for
purchase of Flat
or Floor Space
Power of attorney for developing the property
Letter of Instrument
Letter of Undertaking
Amortization Schedule
Letter of Allotment of Flat or Floor Spece
Tripartite Agreement among Purchaser, Developer and
Bank (If under construction)
Undertaking of the borrower to the effect that he will
mortgage the flat/floor space favoring the Bank at the
moment the same is registered in his name by the seller
(If under construction).
Agreement between Land Owner and Developer
Sharing Agreement between Land Owner and Developer
Copy of approved plan of construction from concerned
authority.
09. Consumer's
Loan/Personal
Loan
PNS of the Borrower
PNS of the Guarantor
Letter of Guarantee of the Guarantor
Letter of Guarantee of the Spouse of the Borrower
Insurance Policy cover note
10. SME/Small Loan As per type of borrower and nature of security
11. Lease Finance Lease Agreement
Lease Execution Certificate
Quotation/Price Offer duly accepted by borrower
BRTA Registration Slip (In case of Motor Vehicle)
Insurance Policy cover note
12. Hire Purchase
Loan
Hire Purchase Agreement
Quotation/Price Offer duly accepted by borrower
BRTA Registration Slip (In case of Motor Vehicle)
83
Insurance Policy cover note
13. House Building
Loan
Letter of Installment
Letter of Undertaking
Amortization Schedule
Approved Plan form the competent authority
14. House Building
Loan (To
Developer)
Power of Attorney for development of property
Agreement between Land owner and Developer
Sharing Agreement between Land owner and Developer
Copy of approved plan of construction from concerned
authority
Letter of Installment
Letter of Undertaking
Amortization Schedule
Copy of Title deed of the property on which construction
will be made
Copy of Bia (spell out acronym) deed ( previous deed in
support of Title deed)
15. IDBP (spell out
acronym)
Acceptance of L/C issuing Bank (duly verified)
Letter of Indemnity
16. Guarantee Facility Counter Guarantee
Bid Document or the document where requirement of
Guarantee stated
17. Syndicated Loan Pari passu Sharing Agreement
Facility Agreement
Escrow Account Agreement
Participation Letter
Subordination Agreement
Deed of Floating charge on the Balance for Escrow
Account
Accepted Mandate Letter
Information Memorandum
Participant's Commitment Letter
18. LTR Letter of Trust Receipt
Insurance Policy Cover note
84
C. As per Type of Security (collateral may be a better word here):
SL Type of Security Document
01. Corporate
Guarantee
Corporate Guarantee of Guarantor Company on Non-
Judicial Stamp
Resolution of the Board of the Guarantor Company
(Memorandum of the Guarantor company must permit
to do so.) regarding Guarantee.
02. Hypothecation of
Stock/Receivable
Letter of Hypothecation
IGPA to sell hypothecated Stock/Receivables
Letter of disclaimer form the owner of Rented
Warehouse.
03. Pledge of goods
in trade
Letter of Hypothecation
IGPA to sell hypothecated Stock/Receivables
Letter of disclaimer form the owner of Rented
Warehouse.
04. Assignment of
Bill
Assignment of Bill by the beneficiary through IGPA.
Letter of Acceptance of Assignment by the work giving
authority.
Original Work Order.
05. Lien on Financial
Instrument like
FDR etc.
The Instrument duly discharged on the back of it.
Letter of Lien (1st Party Lien-if the Borrower is the owner
of the Instrument, 3rd party Lien -if the owner of the
Instrument is one other the Borrower)
Letter of Authority to encash the instrument as and when
needed by the Bank.
Confirmation of Lien (Marking of Lien) from the issuing
Bank.
06. Lien on Demated
Stock/Shares
NOC of the Company in case of Sponsor's Share.
Confiscate Request Form (Form 19-1) duly signed by the
pledgee.
Pledge Request form (By Law 11.9.3) dul6 signed by the
holder of the share.
Pledge setup Acknowledgement from Brokerage House.
CDBL (spell out acronym) generated copy of Pledge
Setup.
85
07. Pari-Passu
Security
Pari Passu Security Sharing Agreement among lenders.
NoC from existing lenders if the property/asscts are
already under pari passu sharing.
Certificate of RJSC on creation of charge on Fixed and
floating assets of the company.
Form XIX for modification of charge on Fixed and floating
assets with RJSC.
08. Mortgage of
Landed Property
Original Title Deed of the property.
Certified copy of Purchase Deed along with Deed-
Delivery receipt duly endorsed (In absence of original
Title Deed)
Registered Partition Deed among the Co-owners (if
required)
Mortgage Deed duly Registered along with Registration
Receipt duly discharged.
Registered IGPA favoring Bank to sell the property.
Bia Deeds of the mortgaged property.
Certified Mutation Khatian along with DCR (Duplicate
Carbon Recipt) spell out acronym.
Record of Rights i.e.ES, SA, RS parcha, Mohanagar Jorip
parcha (if within Mohannagar Area).
86
cwiwkó-16
Annexure-2
Avoidable Reasons for Problematic Credits
The causes of problem loans range from poor plant management or increasing raw
materials costs in the case of a manufacturer to poor accounts receivable collection policies
or a rise in the price of products in the case of a wholesale company. Most ofter, a problem
loan is the result of not one, but sevcral, factors.
Poor Loan Interview:
A poor interview most often occurs when the lender is dealing with a friend or when
the business owner has lecrage. Rather that ask tough, probing questions about the company's
financial situation, the lender opts for friendly banter instead. Sometimes the lender may be
intimidated or conned. The lender may be reluctant to ask questions for fear of sounding
dumb or appearing to lack basic knowledge of the company or industry. For whatever reason,
he or she may allow a loan request that should have been rejected during the initial interview
to proceed to financial analysis and beyond. With each subsequent step, it becomes
increasingly more difficult to reject the request.
Inadequate Financial Analysis:
Many Loans become problems when a lender considers the financial analysis
unimportant and believes that, instead, the true lest of whether a loan will be repaid lies in a
handshake, the eyes, or some of the subjective measure of the client. Although some
characteristics, such as the ability to overcome adversity, do not appear on financial
statements, there is no substitute for a complete analysis of income statements, balance
sheets, ratios, and cash flow. Together, they present an objective measure of performance
that can be compared with those of similar companies.
Improper Loan Structuring:
Another cause of problem loans is the failure of the lender to structure the loan
properly. Problems often arise when the lender fails to understand the client's business and
the cash flow cycle. Without this knowledge, it is difficult to anticipate future financing
needs and to choose the appropriate loan type, amount and repayment terms. Most borrowers,
regardless of financial health, find it difficult to repay debts that do not coincide with their
cash flow cycle.
Improper Loan Support:
Another leading cause of loan loss is improper collateralization. Accepting collateral
not properly evaluated for ownership, value, or marketability can leave the bank unprotected
in a default situation.
87
Inadequate Loan Documentation:
Failure to completely and accurately document the obligations of the bank and
borrower in the lending arrangement also contributes to problem loans.
Inadequate Loan Monitoring:
Many problem loans can be avoided if they were more closely followed.
Adverse Business Owner Decisions:
Problem loans due to poor business practices include a lack of management depth,
product deterioration, poor marketing and poor financial controls.
Adverse External Developments:
Changes in the environment, economy, regulations, competition, technology and other
adverse developments affect a business. However, mature businesses can anticipate and
adapt to changing external circumstances.
Intervention from Board:
Sometimes Board of Directors intervenes in the loan origination process to make loan
to bad borrower which unless otherwise should have been rejected.
Below is a long but not exhaustive list of mistakes that bankers can make that
eventually lead to the bank having a problem loan.
Common Banking Mistakes That Can Lead to Problem Loans In the Beginning:
Allowing customer to intimidate coerce into or sell the banker on making the loan.
Failure to ask pertinent questions for fear of angering or losing the customer.
Making difficult loans that should be handled by a more experienced officer.
Basing the lending decision on pressure from other parties, especially the competition.
Trying to be an entreprencur/businessman through the customer using the bank's
money.
Inadequate analysis of the borrower.
Inadequate analysis of loan purpose, source of repayment and excess cash flow.
Improper loan structure amount, source of repayment, timing of repayment (terms).
Improper collateralization.
Failure to properly identify entity bank is dealing with.
Failure to properly utilization of loan proceeds.
Failure to obtain and perfect valid security interest.
88
After the Loan Was Made:
Did not effectively follow loan
Request and review financial information
Make periodic visits to company
perform periodic trade and industry cheeks
Monitor impact of changing economic conditions of company.
Did not control expansion
Let customer borrow in small amounts until he/she had too much debt or bank placed
in forced lending situation.
Inappropriate management of the lending function.
When the Problem is Recognized:
Afraid to look into credit ask tough questions.
Afraid to admit make a mistake or have a problem.
Cut off communication with customer, resort to pressure/threats to collect loan
Inaction hoping situation will improve "miracle approach".
89
cwiwkó-17t
General Environmental Due-Diligence Checklist:
This checklist is to be used for all proposals for financing being considered by the
Banks/FIs. If there are no specific checklist for the particular sector under consideration, the
General EDD checklist alone, is to be used to determine the EnvRR rating. Please complete a
response to each of these questions as Yes or No or Not Applicable (NA), and determine the
EnvRR. If a question does not apply to the sector under consideration, it should be excluded
by deducting from the total number of questions used to calculate the percentages in
determining the EnvRR. The justification for any exclusion is to be documented separately
and retained on file with the EnvRR checklists.
01. Name of the Project :
02. Type of Project :
03. Approved Amount :
04. Approval Date :
Particulars Yes / No / NA
Possible sources of environmental risk
1. Environmental clearances:
In the proposal for financing, have all the applicable compliances to
environmental laws, i.e. site clearance certificate and environmental
clearance certificate, been obtained from the Department of
Environment (DOE)?
Have these clearances been obtained after submitting the appropriate
documents for the different pollution category of industries (Green,
Orange-A, Orange-B and Red)?
2. Land location/site:
Is the land location/site free from vulnerability from an environmental
perspective? Vulnerability can arise due to the issues such as the
location being on the river bank (floods) and on national parks /forests
(non-compliance ?
3. Climate change:
Is the proposal for financing protected against climate change related
impacts such as cyclones, storm surges, floods and droughts if relevant?
Borrower’s Environmental Management Systems
4. Commitment:
90
Is the potential borrower’s top management committed to
environmental management?
5. Manpower:
Has the potential borrower planned for manpower resources to address
environmental issues?
6. Skills:
If so, is the manpower skilled to address environmental issues?
7. Labour/social issues:
Does the management adopt good practices vis-àvis occupational
health & safety and associated issues such as child labour, forced
labour, wage compensation, discrimination and working hours?
Determining overall EnvRR
The italicized questions are the more important / critical ones. The EnvRR is
determined as follows:
Criteria EnvRR
If answers to any one of the italicized questions is “No” “High”
If answers to all italicized questions is “yes” but 50% or more of the non
italicized questions is “No”
“High”
If answers to all italicized questions is “yes” and if answers to more than
25% and less than 50% of the remaining questions is “No”
“Moderate”
If answers to all italicized questions is “yes” and if answers to less than 25%
of the remaining questions is “No”
“Low”
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cwiwkó-18t
Bangladesh Krishi BANK
.............. Branch/Office
CREDIT RISK GRADING (CRG) SCORE SHEET
Reference No: Date:
Borrower: Aggregate Score: _________
Risk Grading: _________
Group Name (if
any):
Branch:
Industry/Sector:
Date of Financials:
Completed by:
Approved by:
Number Grading Short Score
1 Superior SUP
Fully cash secured, secured by
Government/International Bank
Guarantee
2 Good GD 85+
3 Acceptable ACCPT 75-84
4 Marginal/Watchlist MG/WL 65-74
5 Special Mention SM 55-64
6 Substandard SS 45-54
7 Doubtful DF 35-44
8 Bad & Loss BL <35
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Criteria Weight Parameter Score
Actual
Parameter
Score
Obtained A. Financial Risk 50%
1. Leverage: (15%)
Debt Equity Ratio (×) -
Times
Total Liabilities to Tangible
Net worth
All calculations should be
based on annual financial
statements of the borrower
(audited preferred).
Less than 0.25×
0.26× to 0.35 x
0.36× to 0.50 x
0.51× to 0.75 x
0.76× to 1.25 x
1.26× to 2.00 x
2.01× to 2.50 x
2.51× to 2.75 x
More than 2.75×
15
14
13
12
11
10
8
7
0
2. Liquidity: (15%)
Current Ratio (×) - Times
Current Assets to Current
Liabilities
Greater than 2.74×
2.50× to 2.74 x
2.00× to 2.49 x
1.50× to 1.99 x
1.10× to 1.49 x
0.90× to 1.09 x
0.80× to 0.89 x
0.70× to 0.79 x
Less than 0.70×
15
14
13
12
11
10
8
7
0
3. Profitability: (15%)
Operating Profit Margin
(%)
Operating Profit
×100
Sales
Greater than 25%
20% to 24%
15% to 19%
10% to 14%
7% to 9%
4% to 6%
1% to 3%
Less than 1%
15
14
13
12
10
9
7
0
4. Coverage: (5%)
Interest Coverage Ratio
(×)-Times
Earning Before Interest &
Tax (EBIT)
Interest on debt
More than 2.00×
More than 1.51×Less
than 2.00×
More than 1.25×Less
than 1.50×
More than 1.00×Less
than 1.24×
Less than 1.00×
5
4
3
2
0
Total Score–Financial Risk
50
93
Criteria Weight Parameter Score
Actual
Parameter
Score
Obtained B. Business/Industry Risk 18%
1. Size of Business (Sales in BDT crore)
The size of the borrower’s business
measured by the most recent year’s total
sales. Preferably based on audited
financial statements
> 60.00
30.00 – 59.99
10.00 – 29.99
5.00 - 9.99
2.50 - 4.99
< 2.50
5
4
3
2
1
0
2. Age of Business
The number of years the borrower has
been engaged in the primary line of
business.
> 10 years
> 5 - 10 years
2 - 5 years
< 2 years
3
2
1
0
3. Business Outlook
A critical assessment of the medium
term prospects of the borrower, taking
into account the industry, market share
and economic factors.
Favorable
Stable
Slightly
Uncertain
Cause for
Concern
3
2
1
0
4. Industry Growth
Strong (10%+)
Good (>5% -
10%)
Moderate (1% -
5%)
No Growth
(<1%)
3
2
1
0
5. Market Competition
Dominant
Player
Moderately
Competitive
Highly
Competitive
2
1
0
6. Entry/Exit Barriers Difficult
Average
Easy
2
1
0
Total Score-Business/Industry Risk
18
94
Criteria Weight Parameter Score
Actual
Parameter
Score
Obtained C. ManC. Management Risk 12%
1. Experience
(Management & Management
Team)
The quality of management
based on the aggregate number
of years that the Senior
Management Team has been in
the industry.
More than 10 years
in the related line of
business
5–10 years in the
related line of
business
1–5 years in the
related line of
business
No experience
5
3
2
0
2. Second Line/ Succession
Ready Succession
Succession within 1-
2 years
Succession within 2-
3 years
Succession in
question
4
3
2
0
3. Team Work
Very Good
Moderate
Poor
Regular Conflict
3
2
1
0
Total Score-Management Risk 12
95
Criteria Weight
Parameter Score Actual
Parameter
Score
Obtained D. Security
Risk
10%
1. Security Coverage
(Primary)
Fully pledged facilities/
substantially cash
covered/Reg. Mortg, for
HBL
Registered Hypothecation
(1st charge/1
st Pari passu
charge)
2nd
Charge/Inferior charge
Simple
hypothecation/negative lien
on assets.
No security
4
3
2
1
0
2. Collateral Coverage
(Property Location)
Registered Mortgage on
Municipal
Corporation/Prime area
property.
Registered Mortgage on
Pourashava/semi-urban area
property
Equitable Mortgage or No
property but plant &
machinery as collateral
Negative lien on collateral
No collateral
4
3
2
1
0
3. Support (Guarantee)
Personal guarantee with
high net worth or Strong
Corporate Guarantee
Personal Guarantees or
Corporate Guarantee with
average financial strength
No Support/Guarantee
2
1
0
Total Score- Security
Risk
10
96
Criteria Weight
Parameter Score Actual
Parameter
Score
Obtained E. Relationship
Risk
10%
1. Account Conduct
More than 3 (three) years
accounts with faultless
record
Less than 3 (three) years
accounts with faultless
record
Accounts having
satisfactory dealings with
some late payments
Frequent Past dues &
Irregular dealings in
account
5
4
2
0
2. Utilization of Limit
(actual/projection)
More than 60%
40% - 60%
Less than 40%
2
1
0
3. Compliance of
Covenants / Conditions
Full Compliance
Some Non-Compliance
No Compliance
2
1
0
4. Personal Deposits
The extent to which the bank
maintains a personal banking
relationship with the key
business sponsors/principals.
Personal accounts of the
key business Sponsors/
Principals are maintained
in the bank, with
significant deposits
No depository
relationship
1
0
Total Score-Relationship
Risk
10
Grand Total- All Risk 100
97
CRG Score Sheet c~i‡Yi Rb¨ KwZcq wb‡`©kbv
t
SuywKi ¯Íi Abyhvqx cÖ※Z¨K FY ýK※mi wb¤œwjwLZfv※e cybt cix¶v K※i e¨e¯‟v MÖnY Ki※Z n※e|
K. Financial
Risk
G ý¶※Î FY MÖnxZvi e¨emv※qi wbixw¶Z w¯‟wZc※Îi cÖ※qvRb| ýKv¤cvwbi ý¶※Î wbixw¶Z
w¯‟wZcÎ cvIqv hvq| e¨w³ we※kl ev ýKvb e¨emv cÖwZôv※bi ýejvqI A※bK mgq w¯‟wZcÎ cvIqv
hvq| ýh ý¶※Î wbixw¶Z w¯‟wZcÎ cvIqv hvq bv, ým ý¶※Î e¨emv※qi ev¯Íe wfwËK Z※_¨i Av※jv※K
w¯‟wZcÎ ˆZwi K※i wb※Z n※e| m¤c~Y© bZzb FY cÖ Ív※ei ý¶※Î 1g eQ※i Projection Gi Dci
wfwË K※i ˆZwi Ki※Z n※e|
1. Leverage Gi A_© n※”Q ýKv¤cvwb, e¨emv cÖwZôvb ev e¨emvqxi F※Yi Dci wbf©iZv| A_©vr GKUv e¨emv
cÖwZôv※b ýgvU wewb※qvwRZ ¯‟vqx g~ja※bi ev m¤c※`i g※a¨ KZUzKz wbR Dr※mi Ges KZUzKz F※Yi
Dci wbf©ikxj| GUv Debt-Equity Ratio Gi gva¨※gI cÖKvk Kiv hvq| Ab¨fv※e, ýgvU `vq
Ges ýgvU bxU (Tangible) m¤c※`i AbycvZ n※”Q Debt-equity Ratio ¯‟vqx gyjab ev cÖKí
F※Yi ý¶※Î leverage cÖ※qvM nq A_©vr ýgvU ¯‟vqx g~jabx `v※qi wecix※Z bxU ¯‟vqx m¤c※`i
AbycvZ KZ Zv wbY©※qi gva¨※g Avw_©K SuywKi gvÎv ý`Lv nq| Debt Equity Ratio 25 Gi bx※P
n※j leverage Gi ý¯‹vi n※e 15 Ges 2.75 Gi ýekx n※j ý¯‹vi n※e ïb¨|
2. Liquidity GUv n※”Q Current Ratio | GUv wbY©q Ki※Z n※j PjwZ m¤c`※K PjwZ `vq w`※q fvM K※i
wbY©q Ki※Z n※e| PjwZ g ~jab FY ev bM` cu~wR F※Yi ý¶※Î Liquidity bvgK gvb`Û cÖ※qvM
Kiv nq Ges PjwZ m¤c※`i wecix※Z PjwZ `v※qi AbycvZ KZ Zv wb※Y©q Kiv nq| PjwZ
m¤c※`i g※a¨ bM` I e¨vsK Rgv, Gj wm gvwR©b, mgvcbx gRy`, ý`bv`vie‾›`, Bb※f›Uix BZ¨vw`
Ges PjwZ `v※qi g※a¨ ¯^í ýgqv`x e¨vsK FY, wewea cvIbv`vi, cÖ※`q wej, e※Kqv LiPvejx,
AwMÖg cÖ`vb, cÖ※`q wWwf※W›U BZ¨vw` AšÍfz ©³ n※e| Current Ratio 2.74 Gi ýewk n※j
Liquidity Gi ý¯‹vi n※e 15 Ges 0.70 Gi Kg n※j ý¯‹vi ïb¨|
3. Profitabilit
y:
Operating Profit Margin wb※Y©q K※i e¨emv cÖwZôv※bi gybvdvýhvM¨Zv eySv hvq| ýgvU
weµq Avq n※Z ýgvU Drcv`b ev cwiPvjb e¨q we※qvRb K※i wbY©xZ ýgvU jvf n※Z cÖkvmwbK I
weµq e¨q ev` w`※q Acv※iwUs cÖwdU wb※Y©q Kiv nq| cieZ©x※Z ýgvU weµxi Av※qi wecix※Z
Acv※iwUs cÖwdýUi kZKiv nvi wb※Y©※qi gva¨※g Profitability SuywK ※`qv nq| Operating
Profit Margin 25% Gi ýewk n※j Profitability ※¯‹vi 15 Ges 1% Gi wb※P n※j ý¯‹vi
ïb¨|
4. Coverage: Coverage ej※Z Interest coverage ratio eySvq| A_©vr GKwU e¨emv cÖwZôv※bi my` I Ki
c~e © Avýqi wecix※Z F※Yi my※`i AbycvZB n※”Q Coverage. ※mvRv K_vq GKwU e¨emv
cÖwZôv※bi Ki I my` c~e © Avq my※`i cwigvb ý_※K KZ ¸b (Times) ýekx Zv wb※Y©q Kiv nq|
my` I Ki c~e © Avq ý_※K my` cwi※kv※ai ¶gZvi gvÎB n※jv Coverage. m~ÎwU n※”Q
Earning before Interest & Tax
Interest on debt , Interest coverage Ratio 2 Gi ýewk n※j ý¯‹vi 5
Ges 1 Gi wb※P n※j ý¯‹vi ïb¨|
Financial Risk Gi m※e©v”P ý¯‹vi n※”Q 50|
98
L. Business/Industrial Risk t
1. Size of
Business
GUv n※”Q e¨emv cÖwZôv※bi AvKvi| mvaviYZt evsjv※`wk UvKvq mswkó e¨emv cÖwZôvb/wk※í
GKwU Avw_©K erm※i ýgvU weµq Av※qi cwigv※Yi Dci wbf©i K※i ý¯‹vi cÖ`vb Kiv nq|
mvaviYZt wbixw¶Z w¯‟wZcÎ n※Z ýgvU weµq Avq wbY©q Kiv nq| e¨w³ we※kl e¨emv cÖwZôv※b
ýhLv※b G ai※Yi wbixw¶Z w¯‟wZcÎ _v※K bv ýmLv※b e¨emv cÖwZôv※bi µq-weµ※qi LvZvc※Î
D※jwLZ ev ÍewfwËK Z※_¨i Dci wbf©i K※i ýgvU weµq-Avq wbY©q Kiv nq| weµq Avq 60.00
ýKvwU UvKvi ýewk n※j ý¯‹vi 5 Ges 2.50 ýKvwU UvKvi Kg n※j ý¯‹vi n※e ïb¨| bZzb cÖ¯Ív‡ei
ýejvq 1g eQ※ii Projection Gi Z_¨ ý_※K ˆZwi Kiv nq|
2. Age of
Business
GUv n※”Q e¨w³/cÖwZôvb mswkó e¨emv※q KZ eQi wb※qvwRZ i※q※Q Zvi wnmve| G ý¶※Î ýh
e¨emv ïi“ Kiv n※q※Q Zvi ýKvb cwieZ©b bv K※i e¨emv※q wb※qvwRZ _vKvi e¨vwßKvj| e¨emv
cwieZ©b Kiv n※j cwiewZ©Z Ae¯‟vi e¨vwßKvj eySv※e| e¨emvi e¨vwß 10 eQ※ii ýewk n※j ý¯‹vi
3 Ges 2 eQ※ii Kg n※j ý¯‹vi ïb¨ n※e|
3. Business
Outlook
GUv n※”Q GKRb e¨emvqx/cÖwZôvb/GKwU wk※í ev evRv※i ev A_©‿bwZK Kg©Kv※Û KZUzKz Ae`vb
ivL※Q Zvi wnmve| Ab¨ K_vq mswkó FY cÖv_©x e¨w³ ev cÖwZôvb Zvi e¨emvwqK Kg©Kv※Ûi gva¨※g
evRv※ii KZ Ask Zvi `L※j i※q※Q Zvi g~j¨gvb Kiv nq| cÖv_©xZ F※Yi D※Ïk¨ hw` A_©bxwZ※Z
h※_ó Ae`vbg~jK nq Z※e ý¯‹vi 3, Stable n※j 2,wKQyUv AwbwŤZ n※j 1|
4. Industry
Growth
GUv n※”Q FY cÖ`v※bi Rb¨ we※eP¨ wkíwU ý`※ki A_©‿bwZK DbœwZ※Z KZ Ae`vb ivL※e Zv wb※Y©q
Kivi gva¨※g ý`※k mswkó wk※íi DbœwZi welqwU g~j¨vqbc~e ©K SuywKi w`KwU eySv nq| G ý¶※Î
ivó«xqfv※e ev ýKvb ¯^xK…Z cÖwZôvb KZ…©K mswkţó wk※íi Drcvw`Z c※Y¨i Pvwn`v I we`¨gvb
mieiv※ni wfwË※Z c※Y¨i NvUwZ wba©viY K※i wkí cÖwZôvi m¤ÿve¨Zv Z_v M※elYvj× djvdj
cÖ※qvRb| ýhgb jeb Drcv`b| G cY¨wUi mvgwMÖK Pvwn`v, mieivn, ý`※k we`¨gvb Drcv`b
BZ¨vw`i M※elYvjä djvdj n※Z Gi Demand-supply gap wbY©q K※i Gi cÖ※qvRbxqZv
kZKiv nv※i wbY©q Kiv| Avgv※`i ý`※k ýh※nZz cÖ※Z¨KwU c※Y¨i Rb¨ ¯^xK…Z ýKvb cÖwZôvb KZ…©K
M※elYv nq bv ýmRb¨ cÖK…Z Growth Rvbv hvq bv| we※KweÕi Rb¨ G ý¶※Î cÖv_©xZ F※Yi
gva¨※g Drcvw`Z c※Y¨i Pvwn`v cÖPzi Abyf~Z n※j Good A_©vr ý¯‹vi 2 Ges ýgvUvgywU n※j
Moderate A_©vr ý¯‹vi 1 aiv nq|
5. Market
Competi
-tion
GUv n※”Q cÖv_©xZ F※Yi gva¨※g Drcvw`Z/Drcvw`Ze¨ cY¨wUi evRv※i wKiƒc cÖwZ※hvwMZvi, `¶Zv
ev cÖfve i※q※Q Zvi gvÎv wbY©q| cY¨wU evRv※i Dominant Player n※j ý¯‹vi 2, Moderate
competetive n※j ý¯‹vi 1 Ges Highly competitive n※j ý¯‹vi ïb¨ n※e|
6. Entry/
Exit
Barriers
GUvi gva¨※g cÖv_©xZ F※Yi gva¨※g Drcvw`Z/Drcvw`Ze¨ cY¨wU Drcv`※b ˆewiZv Av※Q wKbv Zv
g~j¨vqb Kiv nq| Lye ýewk ˆewiZv _vK※j ý¯‹vi 2, ýgvUvgywU _vK※j ý¯‹vi 1 Ges ýKvb ˆewiZv ev
evav bv _vK※j ý¯‹vi ïb¨ aiv nq|
Business/Industry Risk Gi m※e©v”P ý¯‹vi n※”Q 18|
99
M Management Risk :
1. Experience: GUv n※”Q Kviev※ii e¨e¯‟vcbvi `¶Zv| GKwU e¨emv cÖwZôv※bi g ~j gvwjK/D”PZi
ch©v※qi g ~j e¨e ‟vcbv `¶Zvi mwnZ e¨emv cÖwZôvbwU cwiPvjbvi AwfÁZv wnmve| g–j
e¨e ‟vcbv/D”PZi e¨e ‟vcbv 10 eQ※ii AwaK e¨emv※q wb※qvwRZ _vK※j ý¯‹vi 5, 5-10
eQ※ii Rb¨ ý¯‹vi 3, 1-5 eQ※ii Rb¨ ý¯‹vi 1, ýKvb `¶Zv bv _vK※j ý¯‹vi ïb¨|
2. Second Line/
Succession:
GUv e¨emv cÖwZôvbwUi g~j gvwjKvbv/e¨e ‟vcbvi cwieZ©※bi aviv ev MwZi we※klY Kiv※K
eySvq| ýKvb cwieZ©b bv n※j ý¯‹vi 4, e¨e¯‟vcbvi cwieZ©b 1-2 eQi n※j ý¯‹vi 3, 2-3
eQi n※j 2|
3. Team Work: `jMZ AUzU m¤c‾³Zvi gva¨※g e¨e ‟vcbv myôzfv※e Pj※Q wKbv ev e¨e ‟vcbvi ýKvb ΓwU
Av※Q wKbv Zv g~j¨vqb Kiv nq| A※bK ý¶※Î ý`Lv hvq e¨e ‟vcbvi Team Work
my›`ifv※e Pj※Q| e¨e ‟vcbvi g※a¨ mswkó KZ©v e¨w³※`i g※a¨ ýKvb gZ‿ØZ¡Zv ýbB|
e¨e ‟vcbvi `¶Zv Giƒc ý¶※Î Lye fvj n※j ý¯‹vi 4, ýgvUvgywU n※j 2, Lvivc n※j 1 Ges
e¨e ‟vcbvq MÛ※Mvj _vK※j ý¯‹vi ïb¨ n※e|
Management Risk Gi m※e©v”P ý¯‹vi n※”Q 12|
N. Security Risk :
1. Security
coverage
(primary)
GUv cÖv_©xZ F※Yi cÖv_©xZ Rvgvb※Zi cÖK…wZ wKiƒc n※e Zvi wfwË※Z g ~j¨vqb Kiv nq|
cÖv_wgK RvgvbZ hw` m¤c ~Y© cY¨ eÜKx nq ev F※Yi e‾n`vsk ýKvb bM` m¤c` ( ‟vqx
AvgvbZ/eÛ BZ¨vw`) ev Registered Mortgage nq Z※e ý¯‹vi 4, ýiwRóvW©
nvB※cvw_※Kkb n※j (1g PvR©/1g c¨vwicvmy) n※j ý¯‹vi 3, wØZxq PvR© n※j 2, mvaviY
nvB※cvw_※Kkb n※j 1, ýKvb RvgvbZ bv _vK※j ïb¨|
2. Collarateral
Coverage:
(Property
Location)
GUv RvgvbwZ m¤cwËi Ae¯‟v※bi g ~j¨vqb K※i| ýcŠi K※c©v※ikb/¸i“Z¡c‽Y© GjvKvq
Registered Mortgage n※j ý¯‹vi 4, ýcŠimfv/Dc※Rjv/Dckni n※j ý¯‹vi 3,
Equitable Mortgage A_ev ýKvb Rwg bv n※q hw` Plant and Machinery nq Z※e
ý¯‹vi 2 n※e|
3. Support
(Guarantee):
Rvgvb※Zi g※a¨ e¨w³MZ M¨vivw›U, K※c©v※iU M¨vivw›U _v※K| D”P bxU m¤c` (High Net
Worth) hy³ e¨w³MZ A_ev K※c©v※iU M¨vivw›Ui ý¶※Î ý¯‹vi n※e 2, ýgvUvgywU bxU
m¤c`hy³ M¨vivw›Ui ý¶※Î ý¯‹vi n※e-1, ýKvb M¨vivw›U bv _vK※j ý¯‹vi ïb¨ n※e|
Security Risk Gi m※e©v”P ý¯‹vi n※”Q 10|
O. Relationship Risk :
1. Account
conduct:
GUv n※”Q cÖv_©xZ FY MÖnxZvi AZx※Z M‾nxZ F※Yi Performance. c‽※e©i FY wnmve ev
GZrmsµvšÍ Ab¨ ýKvb e¨vswKs wnmv※e FY cÖv_©xi ýjb※`b msµvšÍ AZxZ Avw_©K AvPiY,
ýKvb FY wnmv※ei c‽※e©i 3 eQi ýLjvcx e¨wZZ m※šÍvlRbK ýjb※`b _vK※j ý¯‹vi 5, 3
eQ※ii Kg mgq n※j ý¯‹vi 4, wba©vwiZ F※Yi Awba©vwiZ/wejw¤^Z mg※q cwi※kv※ai gva¨※g
wnmve wbqwgZ _vK※j ý¯‹vi-2 Ges ýgqv※`vËxY© _vK※j ev wnmve AwbqwgZ _vK※j ý¯‹vi ïb¨
100
n※e|
2. Utilization
of limit:
(actual/
projection)
e¨emv※qi cÖK…wZ, e¨e¯‟vcbvi `¶Zv, BZ¨vw` Dcv`vbmg‽※ni ZviZ※g¨i Rb¨ A※bK mgq
eÜKxK…Z F※Yi mxgv cwic‽Y©fv※e e¨eüZ nq bv| F※Yi wjwgU e¨env※ii gvÎvi Dci GUv
wbY©q Kiv nq| gÄyixK…Z mxgvi 60% Gi ýewk e¨eüZ n※j ý¯‹vi 2, 40%-60% n※j
ý¯‹vi 1, 40% Gi wb※¤œ n※j ý¯‹vi ïb¨ aiv nq| m¤c‽Y© bZzb cª¯@v※ei ý¶※Î ý¯‹vi 2 aiv
nq|
3. Compliance
of
convenants/
conditions:
gÄyixc※Î `wjjvqbmn Ab¨vb¨ mswkó kZ©vw` c~iY Kivi Rb¨ ejv nq| A※bK FY cÖv_©x G
mKj kZ©vw` cy※ivcywi cvjb Ki※Z cv※ib| kZ©vw` c~i‡Yi ýhvM¨Zvi Dci GUv wbf©i K※i|
cwic‽Y©fv※e cwicvj※bi ý¶※Î ý¯‹vi 2, AvswkK cwicvj※bi ý¶※Î 1|
4. Pesonal
Deposit:
GUv FY cÖv_©x/cÖwZôvb/ýKv¤cvwbi cwiPvjK※`i e¨w³ AvgvbZ wnmve m¤cwK©Z| c ~※e©i
ý_※KB ev e¨emv cwiPvjbvKvjxb e¨w³MZ m⁀※qi cwigv※Yi Dci GUvi ý¯‹vi wbY©q Kiv
nq| e¨w³MZ m⁀q _vK※j ý¯‹vi 1 Ab¨_vq ïb¨ nq|
Relationship Score Gi m※e©v”P ý¯‹vi n※”Q 10|
101
website: www.bb.org.bd
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FY myweav MÖnY Ki‡Z cvi‡e| GQvov, e¨vswKs Lv‡Z †Ljvwc F‡Yi cwigvY nªvmKi‡YI g‡WjwU AwaKZi mnvqK f‚wgKv cvjb Ki‡e|
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1.1 Introduction
The aim of credit risk management is to maximize a bank’s risk-adjusted rate of return by
maintaining credit risk exposure within acceptable levels. Banks need to manage the credit risk
inherent in the entire portfolio as well as the risk in individual borrower transaction. The effective
management of credit risk is a critical component of a comprehensive approach to risk management
and essential to the long-term success of any banking organization. Since exposure to credit risk
continues to be the leading source of problems in banks, banks should have a keen awareness of the
need to identify, measure, monitor and control credit risk as well as to determine that they hold
adequate capital against these risks and they are adequately compensated for risks incurred. The
Internal Credit Risk Rating System describes the creditworthiness of the borrower of a particular
sector based on the assessment criteria set for that sector. Since the leverage, liquidity, profitability,
as well as other quantitative and qualitative indicators, vary significantly from sector to sector, the
ICRRS is developed to calibrate such diversities into the rating system. Moreover, relevant and
appropriate numbers of financial ratios are used in Internal Credit Risk Rating System for assessing
the strengths of the borrowers. The set of the qualitative questioners used in the process are also
more robust. This will effectively ensure that the borrowers from different sectors and industries are
assessed based on the unique characteristics of those sectors.
1.2 Definition of Internal Credit Risk Rating System and Internal Credit Risk Rating
1.2.1 Internal Credit Risk Rating System refers to the system to analyze a borrower's repayment
ability based on information about a customer's financial condition including their liquidity, cash
flow, profitability, debt profile, market indicators, industry and operational background, management
capabilities, and other indicators.
1.2.2 The summary indicator derived from the system will be called Internal Credit Risk Rating
(ICRR)- a key reference for credit risk assessment and decision making.
1.3 Use of Internal Credit Risk Rating (ICRR)
Internal Credit Risk Rating System will be an integral part of credit risk management for the banks.
The key uses of these guidelines are as follows:
a) To provide a granular, objective, transparent, consistent framework for the measurement and
assessment of borrowers’ credit risk.
b) To facilitate the portfolio management activities
c) to assess the quality of individual borrower to help the banks to determine the quality of the credit
portfolio, line of business, the branch or the Bank as a whole.
d) To be used for individual credit selection, credit pricing, and setting credit limit and terms and
conditions.
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1.4 Functions of Internal Credit Risk Rating System:
a) Internal Credit Risk Rating System is a fully automated credit risk scoring system that calibrates
the characteristics of different sectors and industries in one single model;
b) To get the appropriate rating and score, the analyst shall select the appropriate sector or industry
from the dropdown list given in the top page of the template; If the right sector or industry is not
selected; the rating will not reflect the unique characteristics of the particular sector or industry.
c) If the borrower is in multiple lines of business, the sector should be used assessing the line of
business generating the highest portion of the revenue &/or profit. If there is no particular line of
businesses can be singled out- the ICRRS should be conducted using "other industry- if
manufacturing" or "other service-if service".
1.5 General Instructions
a) Banks shall strictly follow this guidelines and rating system issued by Bangladesh Bank without
making any change, extension, modification or deletion.
b) The ICRR shall be applicable for all exposures (irrespective of amount) except consumer loans,
small enterprises having total loans exposures less than BDT 50 (fifty) lac, short-term agri loans,
micro-credit and lending to bank, NBFI and Insurance.
c) The quantitative part of the ICRR exercise shall be conducted by a credit officer/ an analyst. The
Relationship Manager/ Branch Manager shall complete the qualitative assessment part to generate
the total scores.
d) ICCR shall be an integral part of the credit approval process.
e) The credit risk function of the bank is responsible for the accuracy and integrity of the rating as
the second line of defense.
f) The executive summary report of the ICRR of the borrower shall be approved and signed by the
Chief Risk Officer (CRO) and for those loans that are approved below the CRO level e.g zonal office
or branch office, the executive summary report of the ICRR shall be approved and signed by the final
approval authority.
g) Banks shall use the latest audited financial statements of the borrower for generating the
quantitative rating under ICRR.
h) All credit proposals whether new, renewal or enhancement shall be gone through the ICRR
process and a set of the ICRR report shall be retained in the loan file.
i) The Relationship Manager shall pass the approved ICRR report to the related department for
updating their MIS/record.
j) Banks shall conduct the routine internal audit to check whether the Internal Credit Risk Rating
System is functioning as per the instructions laid down in the guidelines.
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1.6 Frequency of Credit Risk Scoring:
• ICRR shall be conducted for all credit proposals including new, renewal and enhancement of the
existing proposal;
• For existing credit relationship, the ICRR shall be reviewed at least annually at the time of
annual/regular credit review.
1.7 Selected Sectors
To ensure the current system useful, the following sectors are selected considering the size of
exposures of banks in these industries.
A. Industry
1. Ready Made Garments (RMG)
2. Textile (including spinning, knitting, weaving)
3. Food and Allied Industries
4. Pharmaceutical
5. Chemical
6. Fertilizer
7. Cement
8. Ceramic
9. Ship building
10. Ship breaking
11. Jute Mills
12. Steel Engineering
13. Power and Gas
14. Other industry (only to be selected if the borrower falls under industry but does not fit with other
13 specific sub-categories)
B. Trade and Commerce C. Agro Base and Agro Processing D. Service
1. Housing and Construction
2. Hospitals and Clinics
3. Telecommunication
4. Other service
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1.8 Credit Risk Ratings Scores
The ICRR consists of 4-notched rating system covering the Quantitative and Qualitative parameters.
The ratings and scores are mentioned below:
Rating Scores Aggregate
Excellent ≥80%
Good ≥70% to <80%
Marginal ≥60% to <70%
Unacceptable <60%
1.9 Definitions of Credit Risk Rating
The features of the different categories of Credit Risk Ratings are given below:
a) Excellent
• Aggregate score of 80 or greater in ICRR.
• Strong repayment capacity of the borrower evident by the high liquidity, low leverage, strong
earnings, and cash flow
• Borrower has well established strong market share.
• Very good management skill & expertise.
b) Good
• Aggregate score of 70 or greater but less than 80 and the quantitative score of at least 30.
• These borrowers are not as strong as "Excellent "borrowers, but still demonstrate consistent
earnings, cash flow and have a good track record.
• Borrower is well established and has strong market share.
• Very good management skill & expertise.
c) Marginal
• Aggregate score of 60 or greater but less than 70 and the quantitative score of at least 30.
• This grade has potential weaknesses that deserve management’s close attention. If left uncorrected,
these weaknesses may result in a deterioration of the repayment prospects of the borrower.
d) Unacceptable
• Aggregate score of less than 60
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Financial condition is weak and no capacity or inclination to repay.
• Severe management problems exist.
• Facilities should be downgraded to this grade if sustained deterioration in financial condition is
noted (consecutive losses, negative net worth, excessive leverage).
1.10 Management Action Triggers:
a) Banks are allowed lending to a borrower if the borrower's ICRR is "Excellent" or "Good".
However, for the "Marginal "cases, the bank shall take cautionary measures in renewing the facilities
or lending new money to the customers. While assessing credit proposals, banks must satisfy
themselves on the future prospect of the business, additional collateral coverage etc. Banks shall take
heightened measures for monitoring these accounts including but not limited to regular client visits,
monitoring of the improvement plans, close monitoring of the repayment performances, timely
review of the facilities, oversight on the improvement areas etc.
b) No loan shall be sanctioned to borrowers whose ICRR is "Unacceptable" unless the loan is 100%
cash covered or fully guaranteed by the Government or Multilateral Development Banks (MDBs) or
the loan is for any state-owned organization or state-owned project.
c) For the quantitative and qualitative risk analysis, if the ICRR falls under "Marginal" or
"Unacceptable" for any risk criteria (among 16 quantitative and 18 qualitative); whatever the
aggregate score is, the relationship manager shall evaluate what would be the impacts of such on
loan repayment and justify how those risks are mitigated; and in loan proposal the approval authority
should review that justifications thoroughly and make necessary evaluations on it and should be
documented in the loan file.
d) In deriving ICRR, whatever score a borrower gets in the qualitative analysis if the score in the
quantitative part is less than 50%, the borrower’s ICRR shall be "Unacceptable".
e) Bank can make renewal and enhancement of existing loans for maximum 2 (two) times if the
borrower's ICRR is "Unacceptable".
f) In conducting qualitative analysis, justifications for all criteria are required to be documented.
g) Bank must maintain portfolio level data base for the asset base with "Excellent", "Good"
“Marginal” and “Unacceptable” category and maintains risk appetite/tolerance level for portfolio.
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1.11 Exceptions to Credit Risk Rating
a) For a newly established company with no meaningful financial statements, the bank can apply a
rating based on the projected financial statements and the rating of the borrower shall not be better
than Marginal. However, the bank must run the rating module once the full year audited financial
statements became available reflecting customer's full-fledged business operation.
b) For the companies under large business conglomerate, rating substitution is allowed based on the
rating of Corporate Guarantor of the performing concern of the same group or holding company. In
case of rating substitution based on the corporate guarantor, the guarantee must be legally
enforceable, irrevocable and unconditional. In this regard, a full-fledged ICRR shall be conducted on
the guarantor to determine whether the guarantor has the ability to the support the borrower at the
time of need.
c) Rating generation is discouraged using outdated financial statements (i.e available audited
financial statements are more than 18 months old). In exceptional cases where there is valid reason
for delay in audited financial publication, out dated financial statements can be accepted only if up to
date unaudited financial statement is submitted, but the rating shall not be better than “Marginal”. In
this case, the conditioned mentioned in para 1.10(a) is to be followed.
d) Rating shall be downgraded if there is any internal/external factors or information that have not
been captured in the rating/financial statements (because they are post balance sheet events) having
the material impact on the customer's business operation and loan repayment. A conservative and
consistent approach should be used in employing judgments in the case of events like the death of
key sponsor, prolonged factory shut down, deteriorating financial profile reported in interim financial
statements, change in tax structure/duty, large expansions funded by debt, excessive leverage ratio,
merger-acquisition etc.
e) For the proprietorship & partnership concern where preparation of the audited financial statements
are not mandatory, un audited financial statement can be used for rating generation but due diligence
should be conducted on the accuracy of the financial statements with high-level checking of the bank
statements recording the sales collection, stock/receivable position, peer analysis, bank liabilities etc.
f) If the customer is in multiple lines of business, the most appropriate sector/industry shall be the
line of business generating revenue more than 50% of total revenue. If there is no particular line of
businesses can be singled out- the rating for "other industry" or "other services" should be used.
g) This guideline and enclosed model will be the minimum standard of risk rating; and banks may
adopt more sophisticated risk rating model in line with the size and complexity of their business.
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Chapter 2: Credit Risk Rating Components
2.1 Components of Credit Risk Rating
In the previous version of Credit Risk Grading Manual, 50 percent weights were assigned for
quantitative indicators while 50 percent weights were for subjective judgment. In the ICRR, these
weights have been revised; 60 percent weights are assigned for quantitative indicators while 40
percent are assigned for qualitative indicators.
2.2 Quantitative indicators and associated weights
Quantitative indicators in ICRR fall into six broad categories; leverage, liquidity, profitability,
coverage, operational efficiency, and earning quality. Details indicators under these categories and
associated weights are furnished below:
Quantitative Indicators Weight Definition
1.Leverage (10%)
a) Debt to Tangible Net
Worth (DTN)
7 Total Interest-bearing liabilities or
Financial Debt/ Total Tangible Net
Worth1
b) Debt to Total Assets
(DTA)
3 Total Interest-Bearing Liabilities or
Financial Debt/ Average Total
Assets
2.Liquidity (10%)
a) Current Ratio (CR) 7 Current Assets/ Current Liabilities
b) Cash Ratio (Cash) 3 Cash and easily marketable
securities/ Current Liabilities
3.Profitability (10%)
a) Net Profit Margin (NPM) 5 Net profit after tax/ Net Sales
b) Return on Assets (ROA) 3 Net profit after tax/ Average Total
Assets
c) Operating Profit to
Operating Assets (OPOA)
2 Operating Profit/ Average Operating
Assets
4.Coverage (15%)
a) Interest Coverage (IC) 3 Earnings Before Interest and
Tax/Interest Expense
b) Debt Service Coverage
Ratio (DSCR)
5 Earnings Before Interest Tax
Depreciation Amortization/ Debts to
be Serviced
c) Financial Debt to
Operating Cash Flow
(FDOCF)
4 Financial Debt / Operating Cash
Flow
d) Cash flow Coverage
Ratio (CCR)
3 Cash flow from operation / Debts to
be Serviced
5.Operational
Efficiency (10%)
a) Stock Turnover Days
(STD)
4 (Total Inventory/Cost of Goods
Sold)*360
b) Trade Debtor Collection
Days (TDCD)
3 (Total Accounts Receivable/
Sales)*360
c) Asset Turnover (AT)
3 Sales /Average Total Assets
6.Earning Quality (5%)
a) Operating Cash Flow to Sales (OCFS)
3 Operating Cash flow / Sales
b) Cash flow based accrual ratio (CAR)
2 =NI-(CFO+CFI) /Average Net Operating Assets
1 Total Tangible Net Worth= Total Equity-Intangible Assets.
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2.3 Qualitative indicators and associated weights
Qualitative indicators covers six broad aspects of the firms/institutions to be rated, namely
business/industry risk, credit quality enhancement, performance behavior, management risk,
relationship risk, and compliance risk. Noteworthy that aggregate weights against the qualitative
indicators stand at 40 percent. Detail indicators and associated weights are appended below in
details:
Indicators Weights
1. Performance Behavior 10
Performance Behavior With Banks Borrowings 9
Performance Behavior With Suppliers/ Creditors 1
2. Business and Industry Risk 7
Sales Growth 2
Age Of Business 2
Industry Prospects 1
Long-Term External Credit Rating Of The Borrower 2
3. Management Risk 7
Experience Of The Management 2
Existence Of Succession Plan 2
Auditing Firms 2
Change In Auditors In Last 4 Years 1
4. Security Risk 11
Primary Security 2
Collateral 2
Collateral/ Security Coverage 5
Type Of Guarantee 2
5. Relationship Risk 3
Account Conduct 3
6. Compliance Risk 2
Compliance With Environmental Rules, Regulations And Covenants 1
Corporate Governance 1
Total 40
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Chapter 3: Credit Risk Rating Process
After the risk identification & weight assignment process (as mentioned in chapter 2), the next steps
will be to input actual parameters in the score sheet to arrive at the scores corresponding to the actual
parameters. These guidelines also provide a well programmed MS Excel-based credit risk scoring
system to arrive at a total score on each borrower. The excel program requires inputting data
accurately in particular cells for input and will automatically calculate the risk grade for a particular
borrower based on the total score obtained. The following steps are to be followed while using the
MS Excel program.
a) Open the MS XL file named, ICRRS
b) The entire XL model named, ICRRS is protected except the particular cells to input data.
c) Some input cells contain DROP DOWN LIST for some criteria corresponding to the Key
Parameters. Click to the input cell and select the appropriate parameters from the DROP DOWN
LIST as shown below.
e) All the cells provided for input must be filled in order to arrive at accurate risk grade.
The following step-wise activities outline the detail process for arriving at Credit Risk Rating.
3.1 Input primary information of borrower and select sector/industry of the borrower:
Bank's Name : ABC Bank Limited
Branch Name : Gulshan
File/ Reference No : 10000/100/10/1
Borrower Name : XYZ Limited
Group Name, if any : PQR
Type of Industry/ Sector : 1. RMG
Industry Code : 101
Ownership Type : Sole Proprietorship
Registration No/Trade License No : 123
CIB Status : Standard
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Financials Audit Status: : Audited
Name of Audit Farm : MNO
Analyst Name, Designation : PQR
Verifier Name, Designation : UBW
Date of Financials ; 04-01-2018
Date of Analysis (DD-MM-
YYYY)
: 04-01-2018
Date of Verification (DD-MM-
YYYY)
: 04-01-2018
3.2 Input data of balance sheet, profit and loss statement and cash flow statement
In the input sheet of the balance sheet, profit, and loss statement and cash flow statement, Input must
be given to all cells that are marked with yellow colors. Moreover, while providing input to the
balance sheet, profit and loss statement and cash flow statement following issues should be taken
care of: a) Current Portion of Long-Term Borrowing/Loan
• Input must be given to this cell. This cell is crucial to calculate "debt service coverage ratio". If
"Current Portion of Long-Term Borrowing/Loan" is not found in the balance sheet, the analyst shall
communicate this to the borrower and determine the amount based on other material information
including notes and communication with the borrower.
• If the amount is already added with the total loans in the balances sheet then "Current Portion of
Long-Term Borrowing/Loan" must be deducted from the total loans and must insert the split figures
in related cells.
• If the figure is still zero, it means the borrower has no existing long-term borrowings; which is
unusual. If found so, the analyst should interview the borrower.
• If the analyst becomes certain that the borrower has no existing borrowings, then 0.01 shall be
inserted in the corresponding cell.
b) Other Current Liabilities:
• To make the balance sheet balance i.e as sets = liabilities + equity, deduct amount 0.01 in this cell,
if the same is inserted in row 56: Current Portion of Long-Term borrowing/ Loan.
c) Financial/Interest Expenses
• Input must be given to this cell. If not found in the P&L, the analyst shall look into the notes of
financial statement and communicate with the borrower to determine the amount.
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If the figure is zero, it means the borrower has no existing borrowings; which is unusual.
• If the analyst becomes certain that the borrower has no existing borrowings, then figure 1 must be
inserted in the corresponding cell.
3.3 Qualitative Analysis
After providing input to the balance sheet, profit and loss statement and cash flow statement, the
rigorous qualitative analysis shall be conducted. The qualitative analysis shall be conducted by the
relationship manager. The details qualitative analysis are as follows:
G Performance Behavior 10
G.1 Performance behavior with lending banks
G.1.1
How many times the borrower was adversely classified in last 3 years
[ Aversely classified means the borrower's loans classified as per BB loan classifications policy i.e SS, DF, BL]
0 time 5
1 time 4
2 time 3
3 time 1
>3 times
0
G1.2
How many times the borrower's loans was rescheduled/ restructured in last 3 years
0 time 4
1 time 3
2 time 2
3 time 1
>3 times 0
G.2 Performance behavior with suppliers/ Creditors
Did The Borrower Pay Its Suppliers/ Creditors Regularly In Last 1 Year
Yes 1
No 0
H Business and Industry Risk 7
H.1 Sales Growth
* Sales growth means annual sales growth >10% 2
The formula for calculating sales growth is [(current year sales - previous year sales)/ previous year sales]*100
5%-10% 1
Less than 5%
0
H.2 Age of Business
The number of years the borrower engaged in this line of business
>10 years 2
7 to 10 years
1.5
5 to 7 years
1
4 to 5 years
0.5
<4 years 0
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G.3 Industry Prospects
Critical assessment of 5 (five) years prospect of industry and borrower's sales volatility
Growing and Low Volatility
1
* Volatility denotes sales volatility Stable .75
Growing but High Volatility
0.5
Declining 0
H.4 Long-Term External Credit Rating of the Borrower
Rating Grade should be assigned in line with BB Rating Mapping as per BRPD circular 18/2014 on Risk-Based Capital Adequacy in line with Basel III (see annex 2)
1 2
2&3 1.5
>3
0.5
Unrated
0