g]kfn /fi6« a}+s - Mega Bank Nepal

g]kfn /fi6« a}+saf6 æsÆ, ævÆ / æuÆ ju{sf Ohfhtkqk|fKt ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg – @)&& 385

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no

a}+s tyf ljQLo ;+:yf lgodg ljefu

O=k|f=lgb]{zg g+= !(÷)&&

;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL Joj:yf

o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf

ljQLo nufgL nufot ;Da4 s;'/;Fu ;DalGwt ljQLo ck/fw lgjf/0f ug]{ ;DaGwdf ;DklQ z'4Ls/0f -

dlg nfpG8l/Ë_ lgjf/0f P]g, @)^$ -o;kl5 o; lgb]{zgdf æP]gÆ elgPsf]_ / ;DklQ z'4Ls/0f -dgL

nfpG8l/Ë_ lgjf/0f lgodfjnL, @)&# -o;kl5 o; lgb]{zgdf ælgodfjnLÆ elgPsf]_ df tf]lsPsf

Joj:yfx?sf cltl/Qm yk Joj:yfx? ug{ h?/L b]lvPsf] x'Fbf ;f]xL P]gsf] bkmf &k= / g]kfn /fi6« a}+s P]g,

@)%* sf] bkmf &( n] lbPsf] clwsf/ k|of]u u/L] of]] lgb]{zg hf/L u/]sf] 5 . ljifo jf k|;+un] cfjZos

ePsf]df afx]s P]g / lgodfjnLdf ul/Psf Joj:yfx? o; lgb]{zgdf pNn]v ul/Psf] 5}g .

!= gLlt tyf sfo{ljlw ;DaGwdf M

P]gsf] bkmf &t= sf] pkbkmf -!_ adf]lhd gLlt tyf sfo{ljlw jgfO{ nfu" ubf{ ;f]xL bkmfsf] pkbkmf -

@_ df tf]lsPsf Joj:yfx?sf cltl/Qm b]xfo adf]lhdsf Joj:yfx?nfO{ ;d]t ;dfj]z ug'{ kg]{5 .

-s_ cfGtl/s lhDd]jf/L tyf sfo{ ljefhg,

-v_ hf]lvd d"NofÍg k|0ffnLsf] cfwf/ tyf k4lt,

-u_ hf]lvddf cfwfl/t u|fxs klxrfg, cBfjlws tyf cg'udg k4lt,

-3_ c:jefljs tyf z+sf:kb sf/f]jf/sf] klxrfg k4lt,

-ª_ P]gsf] kl/R5]b 5v= / ;DklQ z'4Ls/0f -dlg nfpG8l/Ë_ lgjf/0f -;"lrs[t JolQm, ;d"x

jf ;+u7gsf] ;DklQ jf sf]if /f]Ssf_ lgodfjnL, @)&) adf]lhd ug'{kg]{ sfo{x? ;DkGg

ug]{ k4lt,

@= u|fxs klxrfg tyf ;Dk'li6 ;DaGwdf M

-!_ u|fxssf] klxrfg tyf ;f]sf] ;Dk'li6 ubf{ P]gsf] bkmf &s= / lgodfjnLsf] lgod $ tyf %

adf]lhd ug'{ kg]{5 . u|fxs klxrfg tyf ;Dk'li6 ;DaGwL gLlt tyf sfo{ljlw agfO{ u|fxssf]

klxrfg tyf ;f]sf] ;Dk'li6 x'g] ;'lglZrttfsf cfwf/df ljB'tLo dfWodaf6 ;d]t vftf vf]Ng

jf Jofj;flos ;DaGw :yflkt ug{ ;lsg]5 . o:tf] sfo{ljlwn] ljB'tLo dfWodaf6 k|fKt ug{

;lsg] cfjZos sfuhft tyf ljj/0fx?sf] ;"rL, ;xL sfuhft tyf ljj/0fx¿ k|fKt ug{

e/kbf]{ ljB'tLo dfWod / lgoldt ?kdf ;Dk'li6 ul/g] ljlw ;d]t to u/sf] x'g'kg]{5 .

ljB'tLo dfWodaf6 ul/g] sf/f]jf/df x'g;Sg] hf]lvd Pj+ b'?kof]uaf6 ;'/lIft /xg a}+s jf

ljQLo ;+:yfn] kof{Kt pkfox? cjnDag ug{'kg]{5 .

;fy}, g]kfn ;/sf/n] ;fdflhs ;'/Iff nufotsf ;/sf/L e'QmfgL lbg'kg]{ cj:yfdf

;DalGwt ;/sf/L lgsfon] pknAw u/fPsf] ljj/0fsf cfwf/df a}+s tyf ljQLo ;+:Yffn] vftf

vf]Ng' kg]{5 . To:tf] vftfaf6 /sd lemSg' cl3 o; lgb]{zg adf]lhd u|fxs klxrfg tyf

;Dk'li6 ug{'kg]{5 .

-@_ u|fxs klxrfg ubf{ sfg'gL JolQm jf k|aGwsf] txut ;+/rgf jf :jfldTj /x]sf] b]lvPdf

k|To]s txsf] / To:tf] JolQm jf k|jGw pk/ lgoGq0f ug]{ JolQm cs}{ /x]sf] b]lvPdf To:tf

JolQmsf cltl/Qm lgodfjnLsf] lgod ^ sf] pklgod @ sf] a'Fbf -s_ adf]lhdsf] k|fs[lts

JolQmsf] ;d]t klxrfg ug'{ kg]{5 .


-#_ lgodfjnLsf] lgod # adf]lhd Joj;flos ;DaGw gePsf] jf vftf gePsf] u|fxsaf6 ?= !

nfv jf ;f] a/fa/sf] ljb]zL d'b|f eGbf a9Lsf] cfsl:ds sf/f]jf/ ePdf lgh u|fxssf]

klxrfg x'g ;Sg] ljj/0f / sfuhft lng' kg]{5 .

-$_ s'g} k|fs[lts JolQmsf] sf/f]jf/df kl/jf/ jfx]s cGo s'g} JolQm jf:tljs wgLsf] ?kdf /x]sf]

z+sf nfu]df ;f]sf] ;d]t klxrfg ug'{ kg]{5 .

-%_ s'g} klg a}+s vftfdf ;DalGwt vftf ;~rfns afx]s cGo s'g} JolQmn] ?=! nfv eGbf a9L

/sd gub} hDdf ug{ cfPdf /sd hDdf ug]{ JolQmsf] klxrfg v'Ng] sfuhft lnO{ gub hDdf

ug'{sf] k|of]hg ;d]t v'nfpg' kg]{5 .

-^_ u|fxssf] vftf vf]Ng] l;nl;nfdf ;"rs ;+:yfn] ;DalGwt u|fxsdf lglxt hf]lvdsf] cfwf/df

b]xfo adf]lhdsf JolQmx?sf] NofKr] ;lx5fk jf jf Bio-Metric lng' kg]{5 M

-s_ k|fs[lts JolQmsf] xsdf vftfjfnf / vftf ;~rfns JolQm cGo /x]sf]df lghsf] ;d]t .

t/, gfjfnssf] xsdf vftf ;~rfnssf] dfq lng afwf kg]{ 5}g .

-v_ sfg'gL JolQm jf k|jGwsf] xsdf vftf ;~rfns .

-&_ g]kfn ;/sf/ jf g]kfn ;/sf/ cGtu{tsf sfof{no jf lgsfox?, ljz]if P]g cGtu{t :yflkt

lgsfo, g]kfn ;/sf/sf] :jfldTjdf /x]sf ;+ul7t ;+:yf, g]kfn /fi6« a}+saf6 Ohfhtkqk|fKt

a}+s tyf ljQLo ;+:yfx?, aLdf ;ldltaf6 :jLs[lt lnO{ ;j{;fwf/0fdf ;]o/ hf/L ul/;s]sf

aLdf sDkgLx?, ;+o'Qm /fi6« ;+3 jf ;f] cGtu{tsf sfof{no tyf ljlzli6s[t lgsfo Pjd\

cGt/f{li6«o ;+:yfx? / ljb]zL /fhb"tfjf;x?sf] xsdf u|fxs klxrfg tyf ;Dk'li6 ubf{ vftf

;~rfnsx?sf] dfq JolQmut ljj/0f lng ;lsg]5 . ;fy}, g]kfn ;/sf/sf] s'g} sfof{nosf]

tkm{ af6 :yfoL sd{rf/Ln] vftf ;+rfng ug'{ kbf{ sfof{no kl/rokqsf] cfwf/df ;+rfng ug{

;lsg]5 .

-*_ u|fxs klxrfg tyf ;Dk'li6 ubf{ o; lgb]{zgsf] cg';"rL !(=! df tf]lsPsf sfuhft tyf

ljj/0fx? lng' kg]{5 . ;fy}, P]g, lgodfjnL tyf o; lgb]{zg adf]lhd u|fxs klxrfg tyf

;Dk'li6 ubf{ ;DalGwt u|fxsdf lglxt hf]lvdsf] cfwf/df yk sfuhft tyf ljj/0fx? lng

cfjZos b]lvPdf ;f] ;d]t lng' kg]{5 .

-(_ :yfgLo pkef]Qmf ;ldltsf] vftf vf]Ng] ;Gb{edf ;DalGwt ;/sf/L lgsfodf btf{ ePsf] jf

:yfgLo txsf] l;kmfl/; eO{ cfPdf ;ldltsf kbflwsf/Lx? / vftf ;+rfnsx?sf] cfjZos

ljj/0f lnO{ pQm vftfdf x'g] sf/f]jf/ k|lt vftfjfnf ;+rfnsx? :jo+ lhDd]jf/ /xg] u/L

vftf vf]Ng jf ;+rfng ug{ ;lsg]5 . pkef]Qmf ;ldltsf] vftf vf]Ng] ;DaGwdf cg';'rL

!(=! -8_ adf]lhd ug'{ kg]{5 .

#= ;"lrs[t JolQm klxrfg ;DaGwdf M

P]gsf] kl/R5]b ^v= cGtu{tsf] bkmf @(ª= sf] pkbkmf -!_ / -#_ adf]lhd k|sflzt ;"rL lgoldt

?kdf x]g'{ kg]{5 / ;f] ;"lrs[t JolQm, ;d"x jf ;+u7g cfkm\gf] u|fxs eP gePsf] osLg u/L

cfb]zfg';f/sf] sfo{ ug'{ kg]{5 .

$= pRr kb:y JolQm klxrfg ;DaGwdf M

-!_ P]gsf] bkmf &v= adf]lhd pRr kb:y JolQmsf] ljz]if klxrfg jf olsg ug]{ k|of]hgsf nflu

b]xfo adf]lhdsf ;+oGqx?sf] ;d]t :yfkgf ug'{ kg]{5 .

-s_ u|fxssf] vftf vf]Nbf, u|fxs;Fu sf/f]jf/ ubf{ / u|fxssf] ljj/0f lgoldt ?kn]

cBfjlws ubf{ pRr kb:y JolQm klxrfg x'g] ;+oGq ,

-v_ pRr kb:y JolQm yk36 ePsf] cj:yfdf tTsfn klxrfg x'g] ;+oGq,

-u_ pRr kb:y JolQmsf] kl/jf/ tyf ;Da4 JolQm klxrfg x'g] ;+oGq,

-3_ pRr kb:y JolQmsf] klbo x}l;ot / ;+nUgtf adf]lhdsf] hf]lvd klxrfg x'g] ;+oGq,

-@_ pRr kb:y JolQmsf] klxrfg ubf{ b]xfo adf]lhdsf] k|lqmofx? cjnDjg ug{' kg]{5 M–


-s_ u|fxsjf6 ;"rgf lng] jf :j3f]if0ff ug{ nufpg] .

-v_ ;fj{hlgs ?kdf pknAw ;"rgf u|x0f ug]{,

-u_ ;fdflhs ;~hfndf pknAw ;"rgfx?sf] ljZn]if0f ug]{ /

-3_ Joj;flos ?kdf pknAw tYofÍ -Data Base_ lng] .

-ª_ k|rlnt sfg"g adf]lhd s'g} lgsfodf /flvPsf] o;;DaGwL clen]vaf6 ;"rgf lng] .

-r_ g]kfn ;/sf/ jf tf]lsPsf ;+:yf÷lgsfox?af6 slDtdf klg jflif{s ?kdf ;"rL dfu u/L

pRr kb:y JolQmsf] ;"rL tof/ ug]{ .

-#_ pRr kb:y JolQmsf] clen]v gLh kbjf6 cjsfz jf d'Qm ePsf] ldltn] % jif{;Dd sfod

/fVg' kg]{5 .

-$_ pRr kb:y JolQmsf kl/jf/ jf glhssf] ;DaGw ePsf JolQmx?sf] ;"rgf tyf hfgsf/L a}+s

tyf ljQLo ;+:yfn] hf]lvdsf] cfwf/df jf cfjZostf cg';f/ lng ;Sg]5g\ .

%= jf:tljs wgL klxrfg ;DaGwdf M

-!_ P]gsf] bkmf &u= tyf lgodfjnLsf] lgod ^ adf]lhd jf:tljs wgLsf] klxrfg ug{ b]xfo

adf]lhdsf ;+oGqx?sf] :yfkgf ug'{ kg]{5 .

-s_ jf:tljs wgL klxrfg ug]{ ;+oGq,

-v_ jf:tljs wgL / gLh;Fu ;Da4 sf/f]jf/sf] ;'Id cg'udg ug]{ ;+oGq /

-u_ jf:tljs wgL / gLh;Fu ;DalGWft ;Dk"0f{ sf/f]jf/x?sf] PsLs[t ?kdf cg'udg ug]{

;+oGq .

-@_ jf:tljs wgL klxrfg ubf{ b]xfo adf]lhdsf] k|lqmofx? cjnDag ug{' kg]{5 M–

-s_ u|fxsaf6 ;"rgf lng] jf :j–3f]if0ff ug{ nufpg],

-v_ ;fj{hlgs ?kdf pknAw ;"rgf u|x0f ug]{,

-u_ ;fdflhs ;~hfndf pknAw ;"rgfx?sf] ljZn]if0f ug]{,

-3_ k|rlnt sfg'g adf]lhd /flvPsf] clen]vaf6 ;"rgf lng] /

-ª_ Joj;flos ?kdf pknAw tYofÍ -Data Base_ lng] .

-r_ g]kfn ;/sf/sf ;DalGwt lgsfo jf ;+:yf jf cGo lgsfox?af6 ;'rgf dfu ug]{ .

-#_ jf:tljs wgL ;DaGwL clen]v Joj;flos ;DaGWf jf sf/f]jf/ ;dfKt ePsf] ldltn]] %

jif{;Dd sfod /fVg' kg]{5 .

^= a[xt\ u|fxs klxrfg ;DaGwdf M

-!_ P]gsf] bkmf &ª= sf] pkbkmf -!_ df pNn]v ePsf u|fxsx?sf cltl/Qm b]xfo adf]lhdsf

u|fxsx?;Fu Jofj;flos ;DaGw :yfkgf jf sf/f]jf/ ubf{ ;d]t a[xt\ u|fxs klxrfg k4tL

cjnDag ug'{ kg]{5 .

-s_ ljB'tLo dfWodaf6 x'g] sf/f]af/ cGt{ut k|0ffnLut ?kdf dxTjk'0f{ / c:jefljs ?kdf

z+sf:kb tj/jf6 sf/f]af/ ug]{ u|fxs .

-v_ pRr g]6jy{ ePsf u|fxs, -o; k|of]hgsf nflu pRr g]6jy{ hgfpg] ;Ldf jf r/x?

(Variables), u|fxs klxrfg ljj/0f / z+sf:kb sf/f]jf/ ;DaGwL ;'rsx? (Red flag

indicators) a}+s tyf ljQLo ;+:yfx?n] cfkm} lgwf{/0f ug'{ kg]{5 ._

-u_ ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf ljQLo nufgL ;DaGwL ck/fwdf ;+nUg

x'g ;Sg] cfwf/ b]lvPsf u|fxs,

-3_ e|i6frf/, s/5nL nufot cGo ck/flws sfo{sf cfwf/df pRr hf]lvddf /x]sf

d'n'ssf u|fxs jf xfn j;f]jf; jf k]zf jf Joj:ffo ul//x]sf] :yfg cflbsf] cfwf/df

hf]lvddf /x]sf u|fxs .

-o; k|of]hgsf nflu a}+s tyf ljQLo ;+:yfn] ljleGg /fli6«o tyf cGt/f{li6«o ;+:yf,

b]z, FATF sf] “High-Risk Jurisdictions subject to a Call for Action”, “Jurisdictions

under Increased Monitoring” df ;"rLs[t d'n's / UN Sanction List af6 k|fKt

hfgsf/Lsf] cfwf/df ;DalGwt d'n'sx¿sf] ;"rL tof/ u/L lgoldt ?kdf cBfjlws

ug'{ kg]{5 ._


-ª_ gubsf] j9L k|of]u x'g] Joj;fodf ;+nUg u|fxs jf gofF ljQLo k|ljlw jf pks/0f dfkm{t

sf/f]jf/ ug]{ u|fxs .

-r_ k|rlnt sfg"g adf]lhd g}lts ktg x'g] s;"/hGo sfo{df ;+nUg eO{ cbfntaf6

s;"/bf/ 7xl/Psf] u|fxs .

-@_ pka'Fbf g+= ! adf]lhdsf u|fxsx?;Fu Joj;flos ;DaGw :yfkgf ubf{ jf sf/f]jf/ ubf{

lgodfjnLsf] lgod * df pNn]lvt pkfox?sf cltl/Qm b]xfosf yk pkfox? cjnDag u/L

a[xt\ u|fxs klxrfg k4lt -Enhanced Customer Due Deligence, ECDD_ cjnDag ug{' kg]{5 .

s_ sf/f]af/sf] ;|f]t klxrfg jf ;Dk'li6 ug]{ .

-v_ sf/f]af/sf] p2]Zosf] hfgsf/L jf ;f]sf] k|df0f lng] .

-u_ sf/f]jf/sf] cg'udg ug]{ k|of]hgsf nflu ;Ldf lgwf{/0f ug]{ jf cGo s'g} pkfo cjnDag ug]{ .

-3_ cGt/fli6«o k|rng cg';f/ ECDD ug]{ ;+oGqsf] ljsf; u/L ;f] dfkm{t ;"rgf lng] .

&= ;/nLs[t u|fxs klxrfg ;DaGwdf M

;+:yfn] P]gsf] bkmf &r= / lgodfjnLsf] lgod ( adf]lhd ;/nLs[t u|fxs klxrfgsf] k|lqmof

cjnDag ug{ ;Sg]5g\ . o;/L ;/nLs[t u|fxs klxrfg tyf ;f] sf] ;Dk'li6 ubf{ b]xfo adf]lhdsf

dfkb08÷k|lqmofx? ckgfpg' kg]{5 .

-!_ ;/nLs[t u|fxs klxrfgsf nflu pko'Qm k4ltsf] ljsf; ug'{ kg]{5 .

-@_ ;/nLs[t u|fxs klxrfg k4lt ckgfOPsf u|fxsx?sf] ljj/0f /fVg' kg]{5 .

-#_ ;/nLs[t u|fxs klxrfg k4lt ckgfO{ vf]lng] vftfx?sf] nflu 5'§} kmf/fdsf] ljsf; ug'{

kg]{5 .

-$_ lgodfjnLsf] lgod ( sf] pklgod -@_ df pNn]v eP adf]lhd vf]lng] vftfx?sf] ;DaGwdf

o; a}+ssf] k"j{ :jLs[lt lng' kg]{5 . t/, # dlxgf jf ;f] eGbf sd cjlwsf] pTkfbg jf ;]jf

k|jfx;Fu ;DalGwt sfo{qmdsf nflu vftf vf]Ng' k/]df o; a}+ssf] k"j{ :jLs[lt cfjZos kg]{ 5}g .

-%_ ;/nLs[t jlu{s/0fdf k/]sf u|fxsx?sf] vftf vf]Ng], sf/f]jf/ ug]{ jf ljj/0f cBfjlws ug]{

qmddf ;/nLs[t k|s[of, kmf/fd / ljj/0f dfq k|of]u ug'{kg]{5 .

&s= vf]nf} a}+s vftf cleofg, @)&^ cGtu{t vf]lng] vftfsf] u|fxs klxrfg ;DaGwdf .

vf]nf} a}+s vftf cleofg, @)&^ cGtu{t ;a} g]kfnLsf] a}+s vftf vf]Ng] k|of]hgsf nflu a}+s vftf

gePsf g]kfnL k|fs[lts JolQmsf] xsdf u|fxs klxrfg tyf ;Dk'li6 ubf{ b]xfoadf]lhdsf]

dfkb08÷k|lqmof cjnDag ug'{ kg{]5 .

-c_ o; Joj:yf adf]lhd vf]lng] a}+s vftfsf nflu ;/nLs[t vftf vf]Ng] kmf/fd k|of]u ug'{

kg]{5 . o; Joj:yf adf]lhd vftf vf]Nbf u|fxssf] cGo a}+s vftf gePsf] :j3f]if0ff lng'

kg]{5 .

-cf_ u|fxs klxrfg tyf ;Dk'li6 ubf{ gful/stfsf] k|df0fkq jf /fxbfgL jf kmf]6f] ;lxtsf]

dtbftf kl/rokq jf /fli6«o kl/rokq jf ;jf/L rfns cg'dltkq jf s'g} ;/sf/L

lgsfon] hf/L u/]sf] kmf]6f] ;lxtsf] kl/ro kq jf ;DalGwt :yfgLo txn] k|dfl0ft u/L

pknAw u/fPsf] kmf]6f] ;lxtsf] l;kmfl/;sf] cfwf/df ;Dk'li6 ug'{ kg]{5 .

-O_ o; Joj:yf cGtu{t vf]lnPsf vftfsf] clwstd jflif{s sf/f]af/sf] ;Ldf ?= ! nfv;Dd

x'g]5 . ?= ! nfv eGbf a9Lsf] sf/f]af/ ePsf] cj:yfdf a'Fbf g+= @ adf]lhd u|fxs klxrfg

tyf ;Dk'li6 ug''{ kg]{5 .

-O{_ o; Joj:yf adf]lhd vf]lnPsf vftfdf a}+s tyf ljQLo ;+:yfn] cf�gf] tkm{af6 k|lt vftf

?= !)) -Ps ;o_ hDdf ug{ ;Sg]5g .


*= u|fxs tyf jf:tljs wgL klxrfg cBfjlws ;DaGwdf M

-!_ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfn] P]gsf] bkmf & 5= sf] pkbkmf -!_ adf]lhd ljBdfg

u|fxs tyf jf:tljs wgLsf] ;DaGwdf ljB'tLo dfWodaf6 ljj/0f /fvL cfjZos k/]sf] avt

h'g;'s} ;dodf k/LIf0f tyf ljZn]if0f ug{ jf lgodgsf/L lgsfon] dfu u/]sf] avt tf]lsP

adf]lhdsf] 9fFrfdf pknAw u/fpg ;Sg] u/L cBfjlws ug'{kg]{5 .

-@_ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfn] u|fxs klxrfg ;DaGwL ljj/0fx? b]xfo adf]lhd

lgoldt ?kn] cBfjlws ug'{ kg]{5 .

-s_ pRr hf]lvd b]lvPsf u|fxsx?sf] sDtLdf jif{sf] Ps k6s tyf hf]lvdsf] juL{s/0f

cg';f/ .

-v_ u|fxs klxrfg ljj/0f cg'?k sf/f]jf/ d]n gvfPsf] cj:yfdf tTsfn,

-u_ u|fxs klxrfgsf] sfo{ k'/f gePsf] cj:yfdf tTsfn .

-3_ u|fxs klxrfg ljj/0fdf pNn]lvt ;"rgf, hfgsf/L tyf tYofÍsf] ;Totf jf

kof{Kttfsf] af/]df ;DalGwt a}+s jf ljQLo ;+:yfnfO{ z+sf nfu]sf] cj:yfdf tTsfn .

-ª_ a}+s tyf ljQLo ;+:yfn] hf]lvd d'NofÍgsf] cfwf/df hf]lvddf cfwfl/t k|0ffnL

adf]lhd pRr hf]lvddf /x]sf u|fxsx?sf] ljj/0f cBfjlws ug]{] ;+oGq :yflkt ug'{

kg]{5 .

-#_ a}+s tyf ljQLo ;+:yfsf] s'g} kbflwsf/L jf sd{rf/Ln] u|fxssf] af/]df k|ToIf jf ck|ToIf,

cf}krfl/s jf cgf}krfl/s ?kdf k|fKt u/]sf] ;"rgfsf] ljZn]if0f u/L u|fxs klxrfgnfO{

cBfjlws ug]{ Joj:yf ldnfpg' kg]{5 .

-$_ u|fxs klxrfg cBfjlws ubf{ cfkm";Fu ePsf] k"j{ ;"rgf jf sfuhft jfx]s kl/jt{g ePsf],

x'g ;Sg] / gofF ljj/0f tyf sfuhft dfq ;DalGwt u|fxs;Fu dfu ug'{ kg]{5 . ;fy}, u|fxs

:jo+ pkl:yt eO{ pknAw u/fpg'kg]{ jf cBfjlws u/fpg' kg]{ ljj/0f afx]s cGo ljj/0fx?

a}+s tyf ljQLo ;+:yfn] cGo pko'Qm dfWodaf6 lng ;Sg]5g\ .

-%_ u|fxssf] ljj/0f cBfjlws ubf{ ljQLo hfgsf/L OsfO{nfO{ lbg'kg]{ Go"gtd ;"rgf jf hfgsf/L

lng' kg]{5 .

-^_ u|fxs klxrfg cBfjlws ug]{ qmddf oyf;Dej k|of; ubf{ ;d]t ;Dks{ x'g g;s]sf u|fxssf]

5'§} ljj/0f tof/ ug'{ kg]{5 .

-&_ s'g} JolQm jf ;+:yfsf] k|ydk6s vftf vf]Nbf dfu ul/Psf ;Dk"0f{ ljj/0fx? ;lxt ;+:yfsf]

xsdf kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ul/Psf] ljQLo ljj/0f k|To]s k6s u|fxs klxrfg

ubf{ ;DalGwt u|fxssf] hf]lvdsf] cfwf/df dfq dfu ug]]{ u/L u|fxs klxrfg ;DaGwL

Joj:yfsf] sfof{Gjog ug'{kg]{5 .

-*_ u|fxs tyf jf:tljs wGfLsf] klxrfg ubf{ a}+s tyf ljQLo ;+:yfn] clgjfo{ ?kdf hf]lvddf

cfwfl/t u|fxs klxrfg k|s[of cjnDag ug'{ kg]{5 . ;a} ju{sf u|fxs tyf jf:tljs wgLsf]

klxrfg ug{, cBfjlws ug{ / yk hfgsf/L dfu ug{ Pp6} ljlw tyf k|s[of cjnDag gu/L

;DalGwt u|fxs, sf/f]jf/, :yfg / ;]jfsf] k|s[lt cg';f/ hf]lvd cg'dfg u/L ;f]sf]] cfwf/df

ug'{kg]{5 .

-(_ u|fxs tyf jf:tljs wgLsf] klxrfg Pj+ cBfjlws ug]{ sfo{nfO{ a}+s tyf ljQLo ;+:yfn]

cf�gf] gLlt tyf sfo{s|dsf] d'Vo sfo{of]hgfdf ;dfj]z u/L ;f]sf] lgoldt ?kdf cg'udg

ug]{ Joj:yf ug'{kg]{5 .


(= hf]lvd Joj:yfkg ;DaGwdf M

-!_ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfn] P]gsf] bkmf &3= adf]lhd hf]lvdsf] klxrfg, d"NofÍg

tyf Joj:yfkg ubf{ b]xfo adf]lhdsf ljifonfO{ ;d]t cfwf/ lng' kg]{5 .

-s_ d'n'ssf] /fli6«o tyf If]qut hf]lvd d"NofÍg ;DaGwL k|ltj]bg,

-v_ AML/CFT sf] ;DaGwdf s'g} k|ltli7t cGt/f{li6«o ;+:yfn] u/]sf] cWoog tyf

cg';Gwfgsf] k|ltj]bg,

-u_ Joj;flos ;DaGw, sf/f]jf/sf] ;Ldf / k|s[lt .

3_ u|fxs klxrfg;Fu ;DalGwt ljj/0f PsLs[t ¿kdf ljB'tLo dfWoddf /fvL hf]lvd

;fk]If x'g] u/L cBfjlws u/] gu/]sf] lglZrt ug]{ .

-ª_ u|fxs klxrfg ubf{ u|fxs PsLs[t klxrfg k4lt cjnDag u/] gu/]sf] ;'lglZrt ug]{ .

km/s km/s ;]jf ;'ljwf lng] u|fxssf] cfjZostf cg';f/sf] yk ljj/0f;d]t Ps}

7fFpdf yk ug{ ;lsg] u/L cfjZos Joj:yf ug]{ .

-@_ pka'Fbf g+=-!_ adf]lhd klxrfg ul/Psf] hf]lvdnfO{ pRr tyf Go"g hf]lvddf juL{s/0f ug'{

kg]{5 . ;DalGwt a}+s jf ljQLo ;+:yfn] cfjZostf cg';f/ hf]lvdsf] ;dLIffsf] cfwf/df yk

juL{s/0f ug{ ;Sg]5g\ .

-#_ k|To]s cfly{s jif{sf] klxnf] qodf; leq AML/CFT ;DaGwL hf]lvdsf] ljZn]if0f cBfjlws u/L

;f]xL adf]lhd gLlt tyf sfo{ljlwdf cfjZos kl/dfh{g ug'{ kg]{5 . ;fy}, ;+:yfn] hf]lvdsf]

d"NofÍg u/]sf] / pQm d"NofÍg hf]lvd adf]lhd eP÷gePsf] olsg u/L k|ltj]bg tof/ ug{'

kg]{5 .

-$_ hf]lvd d"NofÍg tyf ;dLIff ;DaGwL k|ltj]bg cg';"rL !(=$ df tf]lsPsf] 9fFrfdf q}df;

;dfKt ePsf] ldltn] !% lbgleq o; a}+s tyf ljQLo hfgsf/L O{sfO{df k]z ug'{ kg]{5 .

-%_ cfGtl/s tyf afÅo n]vfk/LIfsn] AML/CFT k|0ffnL hf]lvdsf cfwf/df :jrflnt eP

gePsf] cg'udg ug]{ / To:tf] cg'udgdf nlIft ljQLo sf/afxL, pRr kb:y JolQm, pRr

hf]lvd /x]sf] d'n's, If]q tyf pRr hf]lvdo'Qm pTkfbg, pks/0f, ;]jf tyf sf/f]jf/sf]

cg'udg x'g] Joj:yf eP gePsf] ;'lglZrt ug]{ .

-^_ a}+s tyf ljQLo ;+:yfn] k|ltj]bg jf ;"rgf lbgsf nflu pko{'Qm ;"rgf k|ljlw k|0ffnL / ;f]

;DaGwL sfo{ljlw th{'df u/L ;dod} u'0f:t/Lo k|ltj]bg k]; ug]{ Joj:yf lglZrt ug]{ .

-&_ a}+s tyf ljQLo ;+:yfn] dflysf] a'+bf g++ # adf]lhdsf] hf]lvd d'NofÍg k|ltj]bg ;DalGwt

;'kl/j]If]0f ljefudf cfly{s jif{ ;dfKt ePsf] klxnf] qodf;leq clgjfo{ ?kdf k]z ug'{

kg]{5 .

!)= k|ljlwut klxrfg tyf ;"rgf ;+sngsf] k|0ffnLut Joj:yf ;DaGwdfM

u|fxs tyf jf:tljs wgL nufotsf JolQmsf] cfwf/e"t ;"rgf tyf sfuhft ;lxtsf cGo ljj/0f

hf]lvdsf cfwf/df lgoldt ?kdf ljB'tLo k|ljlwsf] k|of]u u/L cBfjlws ug'{ kg]{5 / ;f] sfo{sf

nflu ;"rgf k|ljlw kf]6{n ljsf; u/L sfof{Gjog ug'{kg]{5 .

!!= ljB'tLo dfWodaf6 ;Ldf tyf z+sf:kb sf/f]jf/÷s[ofsnfksf] ;"rgf lbg] tyf hf]lvd d'Nof+sg

k|ltj]bg k]z ug]{ ;do ;Ldf tyf ;Dklt z'4Ls/0f lgjf/0f ;DaGwL Joj:yfx?sf] k|efjsf/L

sfof{Gjog ;DaGwdf M

!= a}+s tyf ljQLo ;+:yfn] ljQLo hfgsf/L OsfO{df k]z ug'{kg]{ ;Ldf tyf z+sf:kb

sf/f]jf/÷s[ofsnfksf] k|ltj]bgnfO{ ljB'tLo dfWodaf6 k]z ug{sf nflu ;"rs ;+:yfsf]


sf]/ a}lsË l;:6d jf cGo ljB'tLo dfWoddf u|fxssf ljj/0f ;dod} cBfjlws u/L

lgodfjnLsf] lgod !$ cg';f/ b]xfoadf]lhd k]z ug'{ kg]{5 .

-s_ æsÆ ju{sf a}+sx?n] @)&^ ;fn df3 ! ut] b]lv clgjfo{ ?kdf ljB'tLo dfWod -

goAML- Production Environment_ jf6 dfq k|ltj]bg k]z ug'{ kg]{5 .

-v_ ævÆ / æuÆ ju{sf ljQLo ;+:Yffn] @)&& ;fn df3 ! ut] b]lv k"0f{ ?kdf ljB'tLo dfWod

(goAML-Production Live Environment) af6 z+sf:kb / ;Ldf sf/f]af/ ;DaGwL k|ltj]bg

k]z ug'{ kg]{5 .

@= ;DklQ z'4Ls/0f lgjf/0f ;DaGwL Joj:yf adf]lhdsf] ;+:yfut tyf If]qut hf]lvd d'Nof+sg

;DaGwL k|ltj]bg Kflxnf] k6ssf nflu @)&^ ;fn k'; dlxgf leq ;DkGg u/L ;f]sf] k|ltj]bg

;DalGwt ;'kl/j]If0f ljefudf k]z ug'{ kg]{5 .

#= hf]lvd d'Nof+sgsf] cfwf/df cfjZos gLlt tyf sfo{ljlw th'{df u/L ;du| ;DklQ z'4Ls/0f

lgjf/0f ;DaGwL sfo{k|0ffnL Jojl:yt ug]{, hf]lvd ;fk]If u|fxs klxrfg÷cg'udg÷;+sf:kb

sf/f]af/ klxrfg k|0ffnLsf] Joj:yf ug]{ / pQm P]gsf] kl/R5]b ^v sf] Joj:yf k|efjsf/L ?kdf

sfof{Gjog ug]{ sfo{ Kflxnf] k6ssf nflu @)&^ ;fn df3 dlxgf leq ;DkGg u/L ;f]sf]

k|ltj]bg ;DalGwt ;'kl/j]If0f ljefudf k]z ug'{ kg]{5 .

$= ;DklQ z'4Ls/0f lgjf/0f P]gsf] p2]Zo / o; a}+sjf6 hf/L lgb]{zg adf]lhd ;"rs ;+:yfn]

hf]lvdsf] cfwf/df k|0ffnLut Joj:yf ;lxt goAML sf] dfWodjf6 ljQLo hfgsf/L OsfO{df

l/kf]{l6Ë u/]÷gu/]sf] tyf ;DklQ z'4Ls/0f lgjf/0f ;DaGwdf o; a}+sjf6 hf/L ePsf

lgb]{zgx?sf] k|efjsf/L sfof{Gjog eP÷gePsf] ;DaGwdf o; a}+sjf6 cfjZos

lg/LIf0f÷;'kl/j]If0f x'g]5 .

!@= jfo/ :yfgfGt/0f ;DaGwdf M

-!_ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n] P]gsf] bkmf &7= adf]lhd jfo/ :yfgfGt/0f ;DaGwL

sfo{ ug'{ kg]{5 . t/, cfjZos ljj/0fx? gv'n]sf] s'g} jfo/ :yfgfGt/0f z+sf:kb nfu]df To:tf]

jfo/ :yfgfGt/0fnfO{ c:jLsf/ jf :ylut u/L tTsfn ;DalGwt lgsfodf hfgsf/L u/fpg'

kg]{5 .

-@_ u|fxsn] cGt/f{li6«o jfo/ 6«fG;km/ jfkt /sd k|fKt ug{ pknAw u/fPsf] ljj/0f :yfgLo

jfo/ :yfgfGt/0f;Fu ;DalGwt b]lvPdf ;DalGwt a}+s jf ljQLo ;+:yfn] :yfgLo jfo/

:yfgfGt/0f dfkm{t\ /sd k7fpg] JolQm jf ;+:yfsf] ljj/0f tof/ ug'{ kg]{5 . ;fy}, Pp6} JolQm

jf ;+:yfn] o; k|s[ltsf] sfo{ u|fxs klxrfg ljj/0f;Fu d]n gvfg] u/L k6s k6s u/]sf]

kfOPdf ljQLo hfgsf/L OsfO{nfO{ hfgsf/L u/fpg' kg]{5 .

-#_ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfsf] ;Ldfkf/ s/]:kf]l08Ë a}lsË ;DaGw hf]lvd/lxt

agfO{ sf/f]af/ ;'rf? ug{ s/]:kf]l08Ë a}lsË ;DaGwL cGo /fli6«o tyf cGt/f{li6«o d"No /

dfGotfx? ;d]t k"/f ug'{kg]{5 .

!#= ;Ldfkf/ s/]:kf]l08Ë a}lsË ;DaGw ;DaGwdf M

-!_ ;Ldfkf/ s/]:kf]l08Ë a}lsË ;DaGw sfod ubf{ tyf sf/f]af/ ubf{ P]gsf] bkmf &8= adf]lhdsf]

pkfox? cjnDag ug'{ kg]{5 .

-@_ ;Ldfkf/ s/]:kf]l08Ë a}lsË ;DaGw tyf sf/f]af/sf] ;do ;dodf ;dLIff ug'{ kg]{5 . ;f]

;dLIffaf6 s/]:kf]l08Ë a}+sn] AML/CFT Measures sf] kl/kfngf u/] gu/]sf] olsg ug'{ kg]{5

/ s/]:kf]l08Ë a}+sn] AML/CFT Measures sf] kl/kfngf u/]sf] gkfOPdf ;f] a}+s;Fusf] ;DaGw

cGTo ug'{ kg]{5 .


!$= lg/Gt/ cg'udg ;DaGwdf M

-!_ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfn] P]gsf] bkmf &em= adf]lhd lg/Gt/ cg'udg -Ongoing

Due Deligence_ ug'{ kg]{5 .

-@_ cfkm"n] hf/L u/]sf ljB'tLo pks/0f jf sf8{sf] ljb]zdf ePsf] k|of]u u|fxsn] cfkm'nfO{ lbPsf]

hfgsf/L jf p2]Zo cg'?k eP÷gePsf] / ljb]zL a}+s jf ljQLo ;+:yfn] hf/L u/]sf] ljB'tLo

pks/0f jf sfo{sf] k|of]u cfkm\gf] ;+oGq dfkm{t\ ePsf] k|of]usf] ;d]t lg/Gt/ cg'\udg ug'{

kg]{5 . o;/L cg'udg ubf{ z+sf:kb b]lvPdf To:tf] ljB'tLo pks/0f jf sf8{sf] k|of]udf /f]s

nufO{ ljQLo hfgsf/L OsfO{ nufot ;DalGwt cGo lgsfodf tTsfn hfgsf/L u/fpg' kg]{5 .

!%= ;Ldf sf/f]af/ ;DaGwdf M

-!_ a}+s tyf ljQLo ;+:yfn] s'g} JolQm jf ;+:yfn] P]gsf] bkmf !)s= adf]lhd b]xfosf ;Ldf -

Threshold_ eGbf a9L :jb]zL jf ljb]zL d'b|fsf] sf/f]af/ u/]df To:tf] sf/f]af/sf] ljj/0f

sf/f]af/ ePsf] ldltn] !% lbgleq cg';"rL !(=@ df tf]lsPsf] 9fFrfdf ljQLo hfgsf/L

OsfO{df pknAw u/fpg' kg]{5 / b]xfosf sf/f]af/sf nflu 5'§f 5'§} TTR (Threshhold

Transaction Reporting) k]z ug'{ kg]{5 .

-s_ Ps} k6s jf k6s k6s u/L Ps lbgdf s'g} vftfdf ul/Psf] ?=!) nfveGbf a9L

/sdsf] gub hDdf sf/f]af/ jf, Ps} k6s jf k6s k6s u/L Ps lbgdf s'g} vftfaf6

u/]sf] ?=!) nfveGbf a9L /sdsf] gub vr{ sf/f]af/,

-v_ s'g} u|fxsnfO{ Ps} k6s jf k6s k6s u/L Ps lbgdf u/]sf] ?= !) nfveGbf a9L /sd

a/fa/ g]kfnsf] ;Ldf jf/kf/ x'g] u/L u/]sf] ljB'tLo jf cGo :yfgfGt/0f,

-u_ s'g} u|fxsn] Ps} k6s jf k6s k6s u/L Ps lbgdf u/]sf] ?= % nfv eGbfj9L /sdsf]

gubdf ;6xL ul/Psf] ljb]zL d'b|f sf/f]af/ .

-gf]6M–a}+s tyf ljQLo ;+:yfx?n] ;Ldf sf/f]af/nfO{ tLg k|sf/ -TTR-Cash, TTR-Cross Border

and TTR-FCY Exchange) df juL{s/0f u/L ;Ldf sf/f]af/ k|ltj]bg k]z ug'{kg]{5 . o; ;DaGwdf

yk :ki6 TTR Guidelines df pNn]v ePcg';f/ x'g]5 ._

-@_ ?=!) nfv jf ;f] eGbf a9Lsf] lgIf]k :jLsf/ ubf{ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfn]

/sdsf] ;|f]t u|fxsnfO{ pNn]v ug{ nufpg' kg]{5 .

-#_ o; a'Fbfdf h'g;'s} s'/f n]lvPsf] eP tfklg Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?n]

b]xfosf ;/sf/L sfof{no, ;+:yf tyf JolQmx?n] u/]sf] sf/f]af/sf] ljj/0f ljQLo hfgsf/L

OsfO{df k7fpg cfjZos x'g] 5}g . t/, 5'6 lbOPsf pQm sf/f]jf/x?sf] xsdf z+sf:kb

sf/f]jf/sf] klxrfg ug{ / ;f] adf]lhdsf] ljj/0f tof/ u/L ljQLo hfgsf/L OsfO{df k7fpg

5'6 lbPsf] dflgg] 5}g .

-s_ g]kfn ;/sf/ jf g]kfn ;/sf/ cGtu{tsf] sfof{no jf lgsfon] u/]sf] sf/f]af/,

-v_ ljz]if P]g cGtu{t :yflkt lgsfon] u/]sf] sf/f]af/,

-u_ ;+:yfn] ;+:yfut ?kdf cfkm}+ jf cGo Ohfhtkqk|fKt a}+s ljQLo ;+:yf jf ;/sf/L

lgsfo;Fu u/]sf] sf/f]af/,

-3_ klAns lnld6]8 sDkgLn] cGo klAns sDkgL, ;/sf/L jf cw{ ;/sf/L sfof{no, ;+3,

;+:yf, sDkgL jf lgsfo, ljz]if sfg'g adf]lhd :yflkt lgsfo;Fu u/]sf] sf/f]af/,

-ª_ k'g/aL{df Joj;fosf] sfd sf/f]af/ ubf{ aLdf sDkgLn] u/]sf] sf/f]af/,

-r_ s'g} Ohfhtkqk|fKt a}+s jf ljQLo ;+:yfn] cf�gf] u|fxsnfO{ k|rlnt sfg'g adf]lhd

shf{ ;fk6L jf ;'lawf k|bfg u/]sf] sf/f]af/,

-5_ ;+o'Qm /fi6« ;+3, ;f] cGt{utsf sfof{no tyf o;sf lalzi6Ls[t lgsfo / cGt/f{li6«o

;+:yfx?n] u/]sf] sf/f]af/,

-h_ s'g} a}+s tyf ljQLo ;+:yfn] cf�gf sd{rf/LnfO{ lbPsf] ;]jf ;'lawf jfktsf] sf/]fjf/,


em_ a}+s tyf ljQLo ;+:yfx?n] hf/L u/]sf] r]sdfkm{t s'g} Ps a}+s jf ljQLo ;+:yfdf /x]sf]

vftfaf6 csf]{ a}+s jf ljQLo ;+:yfdf /x]sf] vftfdf g]kfnleq /sd 6«fG;km/ -gubdf

afx]s_ ePsf] sf/f]af/ .

-~f_ ljBfno, sn]h, ljZjljBfno jf c:ktfnsf] vftfdf ljleGg u|fxs jf ;]jfu|fxLn] z'Ns

jfkt hDdf u/]sf] /sd .

-6_ aLdf sDkgLsf] vftfdf aLdf z'Ns jfkt ljleGg aLdsx?n] hDdf u/]sf] /sd .

-7_ g]kfnL ;]gf, g]kfn k|x/Lsf] nufot cGo ;+:yfsf] k]G;g e'QmfgL ;DaGwL sf/f]jf/ .

-8_ a}+s tyf ljQLo ;+:yfsf cf�g} cfGtl/s vftfx? h:t} M– Settlement Accounts,

Nostro/Vostro Account cflbdf ePsf] sf/f]jf/ .

-9_ ;xsf/L / /fli6«o ;xsf/L a}+s ln= n] u/]sf] ;+:yfut sf/f]jf/ .

!^= z+sf:kb sf/f]af/ ;DaGwdf M

-!_ P]gsf] bkmf &9= sf] pkbkmf -!_ df pNn]lvt vf; sf/f]af/sf ;DaGwdf z+sf:kb sf/f]af/

klxrfg ug]{] k|0ffnLsf] ljsf; ug'{ kg]{5 .

-@_ P]gsf] bkmf &w= adf]lhdsf] cj:yfx? ljBdfg ePdf z+sf:kb sf/f]af/ ;DaGwL k|ltj]bg o;}

lgb]{zgsf] cg';"rL !(=# adf]lhdsf] 9fFrfdf tof/ u/L # lbgleq ljQLo hfsf/L OsfO{ ;dIf

k]z ug'{ kg]{5 . ;f] k|ltj]bg tof/ ubf{ ljQLo hfgsf/L OsfO{n] hf/L u/]sf] dfkb08x?nfO{

cfwf/ dfGg' kg]{5 .

-#_ cg';Gwfg ug]{ lgsfox?af6 cg';Gwfgsf l;nl;nfdf s'g} JolQm jf ;+:yfsf] ljj/0f jf

;"rgf dfu u/]sf] cj:yfdf z+sf:kb b]lvg] gofF tYo jf ljifo hfgsf/Ldf cfPsf] cj:yfdf

afx]s ljQLo hfgsf/L OsfO{nfO{ ;"lrt ug{ cfjZos x'g] 5}g . t/, To:tf JolQm jf ;+:yf

tyf ;f] sf] sf/f]af/ ;DaGwL ljj/0f dfu ul/Psf] cj:yfdf pknAw u/fpg ;Sg] u/L tof/

u/L /fVg' kg]{5 .

-$_ z+sf:kb sf/f]jf/sf] klxrfg, k|ltj]bg nufotsf Joj:yf cjnDag ubf{ hf]lvdsf] d"NofÍGf,

u|fxs klxrfg, sf/f]jf/ / hf]lvddf cfwfl/t k|0ffnLsf] cfwf/df ug'{ kb{5 . z+sf:kb

sf/f]af/nfO{ a}+s tyf ljQLo ;+:yfn] k|f/lDes ljZn]if0f u/L STR-PEP, STR-High, STR-

Medium and STR-Low df juL{s/0f u/L Z+fsf:kb sf/f]af/ k|ltj]bg ljQLo hfgsf/L

OsfO{df k]z ug'{kg]{5 .

-%_ a}+s tyf ljQLo ;+:yfn] u|fxsåf/f z+sf:kb sf/f]af/ ug]{ k|of; / lghsf] z+sf:kb ultljlwsf]

;d]t klxrfg ug]{ k|0ffnL ljsf; ug'{kg]{5 . ;fy} To:tf] z+sf:kb ultljlw ;DaGwL k|ltj]bg

(Suspicious Activity Report- SAR) o;} lgb]{zgsf] cg';"rL !(=# adf]lhdsf] 9fFrfdf tof/

u/L # lbgleq ljQLo hfsf/L OsfO{ ;dIf k]z ug'{ kg]{5 .

!&= ;"rgfsf] uf]Kotf ;DaGwdf M

;+:yfsf kbflwsf/L tyf sd{rf/Lx?n] P]g, lgodfjnL tyf o; lgb]{zg adf]lhd tof/ ul/Psf

k|ltj]bg, sfuhft, clen]v, ljj/0f, ;"rgf jf hfgsf/L u|fxs jf cGo s'g} JolQmnfO{ hfgsf/L lbg'

x'Fb}g . s;}n] u|fxs jf cGo s'g} JolQmnfO{ s'g} k|ltj]bg, sfuhft, clen]v, ljj/0f, ;"rgf jf

hfgsf/L pknAw u/fPsf] kfOPdf P]gsf] bkmf #& adf]lhd arfpm x'g] cj:yfdf afx]s cGo

cj:yfdf bkmf $$s= adf]lhd ;hfo x'g]5 .

!*= cfGtl/s lgoGq0f ;DaGwdf M

-!_ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfsf] ;+rfns ;ldltn] P]g, lgodfjnL / o; lgb]{zgsf]

kfngf x'g] u/L cfjZos cfGtl/s gLlt, sfo{ljlw jf lgoGq0f k|0ffnLsf] th'{df u/L nfu" ug'{

kg]{5 .


-@_ P]gsf] bkmf &t= sf] pkbkmf -#_ adf]lhd P]g, lgodfjnL / o; lgb]{zg adf]lhdsf] bfloTj

lg/Gt/ ?kdf k"/f ug{ Joj:yfkg :t/sf] sfof{Gjog clwsf/L lgo'Qm u/L lghsf] gfd, 7]ufgf,

of]Uotf, ;Dks{ gDa/, Od]n nufotsf ljj/0f ljQLo hfgsf/L OsfO{ ;dIf k]z ug'{ kg]{5 .

;fy}, sfof{Gjog clwsf/L kl/jt{g ePdf jf lghsf] ljj/0fdf kl/jt{g ePdf ;f] sf] ;d]t

hfgsf/L k7fpg' kg]{5 .

-#_ pka'Fbf g+=@ adf]lhd lgo'Qm sfof{Gjog clwsf/Lsf] sfd, st{Jo tyf clwsf/ P]gsf] bkmf

&t= sf] pkbkmf -$_ adf]lhdsf] cltl/Qm b]xfo adf]lhd ;d]t x'g] u/L tf]Sg' kg]{5 .

-s_ P]g, lgodfjnL / o; lgb]{zg adf]lhdsf] sfo{ k|efjsf/L jgfpg Focal Point sf] ?kdf

sfd ug]{,

-v_ P]g, lgodfjnL / o; lgb]{zg adf]lhdsf] sfo{ k|efjsf/L ?kdf ug{ gLlt, sfo{ljlw /

k|0ffnL d:of}bf th'{df u/L k]z ug]{,

-u_ ljefu, kbflwsf/L tyf sd{rf/Ljf6 P]g, lgodfjnL / o; lgb]{zg adf]lhd k|fKt

c:jefljs jf z+sf:kb sf/f]jf/ ;DjGwL ;"rgf ljZn]if0f tyf hfFra'em ug]{,

-3_ cfkm\gf] sfo{ ;Dkfbg ug{ cGo ljefu jf kbflwsf/L;Fu ljz]if1 ;]jf lng jf cfjZos

h'g;'s} sfuhft, ljj/0f jf ;"rgf lgjf{w ?kdf h'g;'s} jvt k|fKt ug{ ;Sg],

-ª_ P]g, lgodfjnL tyf o; lgb]{zg adf]lhdsf] ljifo sfof{Gjog eP gePsf] cg'udg

u/L k|ltj]bg k]z ug]{,

-$_ a}+s tyf ljQLo ;+:yfn] Joj:yfksLo txsf] sfof{Gjog clwsf/L (Compliance Officer) k|d'v

/xg] u/L Ps cnUu} AML/CFT ljefu÷OsfO{ v8f ug'{ kg]{5 .

-%_ sfof{Gjog clwsf/Ln] P]g, lgodfjnL tyf o; lgb]{zg adf]lhdsf] ljifo sfof{Gjog ug]{

l;nl;nfdf dfu u/]sf] cfjZos ;"rgf, hfgsf/L, sfuhft, clen]v jf ljj/0f pknAw gug]{

;DalGwt a}+s jf ljQLo ;+:yfsf kbflwsf/L jf sd{rf/LnfO{ ljefuLo sf/jfxLsf] l;kmfl/;

ug'{ kg]{5 / ;f] l;kmfl/; adf]lhd ;DalGwt a}+s jf ljQLo ;+:yfn] sf/afxL ug'{ kg]{5 . o;/L

ul/Psf] sf/afxLsf] hfgsf/L ljQLo hfgsf/L OsfO{nfO{ u/fpg' kg]{5 .

-^_ a}+s tyf ljQLo ;+:yfsf] ;DklQ z'l4s/0f lgjf/0f ;DaGwL ;ldltn] lgb]{zg g+ ^ df

;ldltnfO{ tf]lsPsf] sfo{If]q cg';f/ sDtLdf tLg dlxgfdf Ps k6s P]g, lgodfjnL / o;

lgb]{zg adf]lhd eP÷u/]sf sfd sf/jfxLsf] ;DaGwdf ;'wf/ ug'kg]{ laifo ;d]t ;d]l6Psf]

k|ltj]bg ;~rfns ;ldltdf k]z ug'{ kg]{5 / ;~rfns ;ldltn] cfjZos ;dLIff u/L

pko'Qm lg0f{o ug'{ kg]{5 .

-&_ P]g, lgodfjnL / o; lgb]{zgsf] kfngf k|efjsf/L Pj+ kl/0ffdd'vL agfpgsf nflu

Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfn] cfkm\gf] ;]o/wgL, ;~rfns ;ldltsf ;b:ox? tyf

pRr Joj:yfkg / sd{rf/Lx?nfO{ b]xfo adf]lhd x'g] u/L ;+:yfut Ifdtf clej[l4

sfo{qmddf ;xefuL u/fpg] Joj:yf ldnfpg' kg]{5 .

-s_ ;+:yfsf] r'Qmf k'FhLsf] b'O{ k|ltzt jf ;f] eGbf j9L ;]o/ :jfldTj ePsf ;]o/wgL,

;~rfns ;ldltsf ;b:ox? tyf pRr Jo:yfkgnfO{ o; ljifosf] ufDeLo{tfsf af/]df

1fg cfbfgk|bfg (Knowledge Sharing) sfo{qmd ;~rfng ug]{ .

-v_ sd{rf/Lsf] xsdf Ifdtf clej[l4sf nflu lgoldt ?kn] 1fg k|bfg ug]{ sfo{qmddf

;xefuL u/fpg] .

-u_ sfof{Gjog clwsf/L / AML/CFT Unit sf] sfo{df k|ToIf tyf lgoldt ?kdf ;+nUg

cGo sd{rf/Lx?nfO{ AML/CFT ;DaGwL laifodf pko'Qm :jb]zL tyf j}b]lzs tflnd

sfo{qmddf ;xefuL u/fpg] .


-*_ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfn] /fli6«o tyf cGt/f{li6«o hf]lvdsf] cfwf/df cf�gf]

;+:yfsf] sfdsf/jfxL, sfo{ k|s[lt / u|fxs ;]jfsf] cfwf/df z+sf:kb sf/f]jf/sf] klxrfg

;DaGwdf lj:t[t dfu{bz{g tof/ u/L nfu' ug]{ / ;fdlos ?kdf cBfjlws ug'{ kg]{5 .

-(_ a}+s tyf ljQLo ;+:yfsf] gLlt / sfo{ljlwdf cftª\sjfbL lqmofsnfk tyf cfdljgfzsf/L

xftxltof/sf] lgdf{0f tyf lj:tf/df ljQLo nufgL lgoGq0f ;DaGwL k|fjwfg /fVg' kg]{5 .

;fy}, ;+:yfn] cftª\sjfbL lqmofsnfk / cfdljgfzsf/L xftxltof/ lgdf{0f tyf lj:tf/df

ljQLo nufgL;Fu ;DalGwt ljifox¿sf] klxrfg, cg'udg tyf k|ltj]bgsf nflu cfjZos

;+oGqsf] lasf; ug'{ kg]{5 .

!(= clen]v Joj:yfkg ;DaGwdf M

Ohfhtkqk|fKt ;+:yfn] P]gsf] bkmf &b= / lgodfjnLsf] lgod !@ adf]lhd tof/ ePsf ljj/0f,

;"rL, hfgsf/L, k|ltj]bg, clen]v, ;"rgfx? kfFr jif{;Dd ;'/lIft /fVg' kg]{5 . ;fy}, pk/f]Qm

ljj/0fx? cfjZos k/]sf] jvt tTsfn pknAw u/fpg ;lsg] u/L ljB'tLo dfWoddf ;d]t clen]v

/fVg' kg]{5 . o;/L /fv]sf] clen]v sfg'gL sf/afxLsf] l;nl;nfdf k|df0f :j?k k|of]u ug{ ;lsg]

u/L b'?:t /fVg' kg]{5 .

@)= sf/afxL tyf ;hfo ;DaGwdf M

-!_ P]g, lgodfjnL tyf o; lgb]{zgsf] Joj:yfsf] k|efjsf/L sfof{Gjog gug]{ Ohfhtkqk|fKt a}+s

tyf ljQLo ;+:yf / To:tf] a}+s tyf ljQLo ;+:yfsf sd{rf/L tyf kbflwsf/LnfO{ P]g

adf]lhdsf] sf/afxL x'g]5 .

-@_ pka'Fbf g+= ! adf]lhd sf/jfxL ubf{ P]g, lgodfjnL tyf lgb]{zgsf] kfngf gePsf] cj:yf,

pNn3+gsf] dfqf / ;f] af6 kg{ ;Sg] k|0ffnLut k|efj nufotsf ljifosf] ufDeLo{tfsf

cfwf/df o; a}+sn] b]xfo adf]lhdsf] sf/afxLx? ug{ ;Sg]5 .

qm=;+= kfngf gePsf] Joj:yf sf/jfxL

! gLlt tyf sfo{ljlw gePdf -s_ klxnf] k6ssf nflu :ki6Ls/0f ;f]lwg] .

-v_ bf];|f] k6sb]lv ?= !) nfv jf ufDeLo{tfsf]

cfwf/df ?= % s/f]8;Dd hl/jfgf ug]{ .

@ u|fxs klxrfg ;DaGwL Joj:yf

sfof{Gjog gePdf

-s_ klxnf] k6ssf nflu :ki6Ls/0f ;f]lwg] .

-v_ bf];|f] k6ssf nflu ?= !) nfv hl/jfgf ug]{ .

-u_ t]>f] k6sb]lv ?= %) nfv jf ufDeLo{/tf

cg';f/ yk hl/jfgf ug]{ .

# HffgLa'emL a]gfdL jf sfNklgs

gfddf sf/f]af/ u/]sf] kfOPdf

-s_ ?= %) nfv jf ufDeLo{/tf cg';f/ yk hl/jfgf

ug]{ .

$ P]gsf] kl/R5]b ^v sf] Joj:yf

kfngf ePsf] gkfOPdf

-s_ klxnf] k6ssf nflu ?= @) nfv hl/jfgf ug]{ .

-v_ bf];|f] k6ssf nflu ?= %) nfv hl/jfgf ug]{ .

-u_ t]>f] k6sb]lv ?= @ s/f]8 jf ufDeLo{tf cg';f/

?= % s/f]8;Dd hl/jfgf ug]{ .

-3_ k6s k6s k|0ffnLut ;d:of ePdf sf/f]af/ jf

Aoj;fodf cf+lzs jf k"0f{ /f]s nufpg] jf

Ohfhtkq lgnDjg jf vf/]h ug]{ ;Ddsf] sf/afxL

ug]{ .

% pRrkb:y AolStsf] klxrfg x'g] -s_ klxnf] k6ssf nflu ?= !) nfv hl/jfgf ug]{ .



k|0ffnLsf] Joj:yf gePdf

-v_ bf];|f] k6ssf nflu ?= @) nfv hl/jfgf ug]{ .

-u_ t];|]f k6sb]lv ?= ! s/f]8 jf ufDeLo{tf cg';f/


^ jf:tljs wgLsf] klxrfg ug]{,

j[xt u|fxs klxrfg ug]{ tyf

u|fxs klxrfg cBfjlws ug]{

Joj:yf gePdf

-s_ klxnf] k6ssf nflu ?= !) nfv hl/jfgf ug]{ .

-v_ bf];|f] k6ssf nflu ?= @) nfv hl/jfgf ug]{ .

-u_ t];|f] k6sb]lv ?= ! s/f]8 jf ufDeLo{tf cg';f/


& ;DklQ z'l4s/0f lgjf/0f ;DaGwL

;ldltn] tf]s]sf] adf]lhd sfo{

u/]sf] gkfOPdf

-s_ ?= !) nfv jf ufDeLo{tf cg';f/ yk hl/jfgf

ug]{ .

* jfo/ 6«fG;km/ / /]ld6fG; ubf{

u|fxssf] klxrfg x'g g;s]df

-s_ ?= !) nfv jf sf/f]jf/ /sd h'g a9L x'G5 ;f]

a/fa/ jf ufDeLo{tf cg';f/ yk hl/jfgf ug]{ .

( jfo/ 6«fG;km/ / /]ld6fG; ubf{

jf:tljs wgLsf] klxrfg x'g

g;s]df

-s_ ?= @) nfv jf sf/f]jf/ /sd h'g a9L x'G5 ;f]

a/fa/ jf ufDeLo{tf cg';f/ yk .

!)

o; lgb]{zg adf]lhd AML/CFT

sf ljlw (Measures) nfO{

?h'÷olsg gu/L s/]:kf]08]G6

a}lsË ;DaGwL sf/f]jf/ u/]df

-s_ ?= !) nfv jf sf/f]jf/ /sd h'g a9L x'G5 ;f]

a/fa/ jf ufDeLo{tf cg';f/ yk hl/jfgf ug]{ .

!! lg/Gt/ cg'udg ;DjGwL Joj:yf

gePdf

-s_ klxnf] k6ssf nflu ?= !) nfv hl/jfgf ug]{ .

-v_ bf];|f] k6sb]lv ?= @) nfv jf ufDeLo{tf


!@ ;LDff sf/f]af/sf] ljj/0f ljQLo

hfgsf/L OsfO{df tf]lsPsf]

;dodf k]z gu/]df





!# z+sf:kb sf/f]af/sf] klxrfg ug]{

;+oGq÷k|0ffnL gePdf tyf

z+sf:kb sf/f]jf/ k|ltj]bg

tf]lsPsf] 9fFrf / ;dodf k]z

gu/]df





!$ sfof{Gjog clwsf/Lsf] Joj:yf

gu/]df

-s_ ?= @) nfv hl/jfgf ug]{ .

!% ;DklQ z'l4s/0f lgjf/0f ;DaGwL

;ldltn] k]z ug'{kg]{ k|ltj]bg

;dodf k]z gu/]df tyf ;+rfns

;ldltn] ug'{kg]{ ;dLIff gu/]df



-u_ t]>f] k6sb]lv ?= %) nfv jf ufDeLo{/tf


!^ ;+:yfut tyf sd{rf/Lsf] Ifdtf

clej[l4 gu/]df



-u_t]>f] k6sb]lv ?= @) nfv jf ufDeLo{/tf cg';f/

yk hl/jfgf ug]{ .



!& tf]lsPsf ljj/0fx?sf] clen]v

g/flvPdf jf tf]lsPsf]

;do;Dd ;'/lIft g/flvPdf



-u_ t]>f] k6sb]lv ?= @) nfv jf ufDeLo{/tf


-#_ o; a'Fbf adf]lhd ul/g] sf/jfxL ck{ofKt ePsf] nfu]df a}+s tyf ljQLo ;+:yfnfO{ g]kfn /fi6«

a}+s P]g, @)%* / a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhd o; a}+sn] yk sf/afxL

ug{ ;Sg]5 .

-$_ a}+s tyf ljQLo ;+:yfnfO{ o; a'Fbf adf]lhd sf/jfxL jf ;hfo ePdf / To:tf] ;hfo pQm

;+:yfsf] s'g} kbflwsf/L jf sd{rf/Lsf] sfd sf/jfxLsf] sf/0fn] ePsf] b]lvPdf To:tf]

kbflwsf/L jf sd{rf/LnfO{ ;DjlGWft a}+s tyf ljQLo ;+:yfn] k|rlnt sfg'g jf ;+:yfsf]

ljlgodfjnL adf]lhd sf/jfxL ug'{ kg]{5 .

@!= vf/]hL / jrfpm M

-!_ PsLs[t lgb]{zg, @)&^ sf]] ;DklQ z"4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f

;DaGwL Joj:yf O=k|f= lgb]{zg g+= !(÷)&^ af6 hf/L ul/Psf] lgb]{zg / ;f] kZrft ldlt

@)&& ebf} @# ut];Dd hf/L ePsf o;};+u ;DalGwt ;Dk"0f{ kl/kqx? .

-@_ P]g, lgodfjnL / o; lgb]{zgn] aGb]h nufPsf] cj:yfx?df afx]s pka'Fbf -!_ adf]lhd vf/]h

ul/Psf] lgb]{zg adf]lhd eP u/]sf ;Dk"0f{ sfd sf/afxLx? o;} lgb]{zg adf]lhd eP u/]sf]

dflgg]5 .


cg';"rL – !(=!

u|fxs klxrfg tyf ;f]sf] ;Dk'i6L ubf{ lng' kg]{ sfuhft tyf ljj/0fx?

a}+s tyf ljQLo ;+:yfx?n] s'g} klg u|fxssf] vftf vf]Nbf u|fxssf] k|s[lt cg';f/ b]xfosf ljj/0f tyf

sfuhftx? lng' kg]{5 .

-s_ JolQmut vftf -g]kfnL gful/ssf] xsdf_

-!_ gfd, y/ lnË M -@_ hGd ldlt M /fli6«otfM

-#_ :yfoL 7]ufgfM

lhNnf=============== g=kf=÷uf=kf================= j8f g+==== 6f]n÷ufFp===========3/ gDa/============

6]lnkmf]g g+==================df]jfOn g+=====================Od]n 7]ufgf======================

-$_ xfnsf] 7]ufgfM

lhNnf=============== g=kf=÷ uf=kf================== j8f g+==== 6f]n÷ufFp===========3/ gDa/============

6]lnkmf]g g+==================df]jfOn g+=====================Od]n 7]ufgf======================

-%_ b]xfo adf]lhdsf] Go"gtd Ps ljj/0f / ;f]sf] ;Dk'li6 ug]{ sfuhft

s= gful/stf

gful/stf g+===========hf/L ug]{ lhNnf================ hf/L ldlt================

v= /fxbfgL

/fxbfgL g+==============hf/L ug]{ lhNnf================ hf/L ldlt========== clGtd ldlt

=====================

u= dtbftf kl/rokq

kl/rokq g+===========hf/L ug]{ lgsfo==================hf/L ldlt================

3= ;jf/Lrfns cg'dltkq

cg'dltkq g+=========hf/L ug]{ lgsfo===================hf/L ldlt========= clGtd ldlt

======================

-^_ gfjfnssf] xsdf

s= hGd btf{ k|df0fkq jf gfjfns kl/rokq

k|df0fkq÷kl/rokq g+=============== hf/L ug]{ lgsfo================== hf/L ldlt================

v= cleefjs jf ;+/Ifssf] gful/stf÷/fxbfgL÷dtbftf kl/rokq÷;jf/Lrfns cg'dltkq

gDa/=========== hf/L ug]{ lgsfo============== hf/L ldlt============= clGtd ldlt ================

-&_ gful/stf glnPsf] g]kfnL gful/ssf] xsdf

s= ufpFkflnsf jf dxf÷pkdxf÷gu/kflnsfsf] l;kmfl/;

l;kmfl/;÷rnfgL g+==================hf/L ug]{ lgsfo======================== hf/L ldlt================

-*_ :yfoL n]vf gDa/ -pknAw ePsf]÷cGo lgb]{zg adf]lhd cfjZos ePsf] xsdf dfq_M

-(_ cfdfafa' jf cfdf jf afa' dWo] s'g} Pssf] k"/f gfd

-gf]6M kl/jf/sf cGo ;b:ox? -h:t} klt÷klTg, afh], 5f]/f, 5f]/L, a'xf/L, bfO{, efO{, ljjflxt

dlxnfsf] xsdf ;;'/f÷;f;'_sf] ljj/0f a}+s tyf ljQLo ;+:yfn] cfjZos 7fg]sf] v08df lng

;Sg]5g\ ._

-!)_ ;+nUg /x]sf] k]zf÷Joj;foM


-;+:yfsf] gfd, 7]ufgf, ;Dks{ g+=, kb, cg'dflgt jflif{s cfDbfgL÷kfl/>lds tyf cGo

ljj/0f_

-!!_ lgj]bsn] ;+nUg ug'kg]{ sfuhftx?M

-c_ gful/stf jf /fxbfgL jf dtbftf kl/rokq jf ;jf/L rfns cg'dltkq jf :yfoL

n]vf gDa/sf] k|df0fkq jf ;/sf/L, ;fj{hlgs ;+:yf tyf ;+ul7t ;+:yfsf g]kfnL

sd{rf/Lsf] xsdf lghsf] sd{rf/L kl/rokq jf g]kfn ;/sf/af6 cg'bfgk|fKt ljBfno,

dxfljBfno tyf ljZjljBfnosf sd{rf/L, lzIfs jf k|fWofkssf] xsdf lghsf]

sd{rf/L÷lzIfs÷k|fWofks kl/rokqsf] 5ljlrq

-cf_ xfn;fn} lvlrPsf] kf;kf]6{ ;fOhsf] kmf]6f]

-!@_ ;DalGwt ;+:yfn] cfjZos 7fg]sf cGo ljj/0f tyf sfuhftx? .

:ki6Ls/0fM

-!_ 3/ g+=, 6]lnkmf]g g+=, df]jfOn g+=, Od]n 7]ufgf, /fxbfgL, k]zf Joj;fo, :yfoL n]vf

gDa/ h:tf ljj/0fx? gePsf lgj]bssf] xsdf To:tf ljj/0f pNn]v ug{ clgjfo{ x'g]

5}g . t/ ;f] ljj/0fx? cfkm";Fu g/x]sf] Joxf]/f :j3f]if0ff u/fpg' kg]{5 .

-@_ o; lgb]{zg adf]lhd a[xt u|fxs klxrfg k4lt -ECDD_ ckgfpg' kg]{ u|fxsx?sf]

xsdf eg] Psf3/ kl/jf/sf ;b:ox?sf] gful/stf jf /fxbfgL jf dtbftf kl/ro–kq

jf ;jf/L rfns cg'dltkqsf] 5lalrq -gfjfnssf] xsdf kl/rokq_ lng' kg]{5 .

-#_ z/0ffyL{sf] xsdf gful/stfsf] ;§f g]kfn ;/sf/ jf cGo cflwsfl/s lgsfon] lbPsf]

kl/ro–kqsf] 5lalrqnfO{ cfwf/ lng ;lsg]5 .

-$_ gfjfnssf] ;+/Ifs eO{ vftf ;+rfng ul//x]sf] cj:yfdf ;f] gfjfns jflnu ePkl5

pQm jflnus} sfuhft ;+nUg u/L jflnun] g} vftf ;+rfng ug'{kg]{5 .

-v_ ;fem]bf/L jf JolQmut kmd{sf] vftf

-!_ kmd{sf] gfd

-@_ /lhi6{8{ sfof{nosf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g g+=,

km\ofS; g+=, Od]n, j]j;fO6_

-#_ Jofj;flos sfof{nosf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g

g+=, km\ofS; g+=, Od]n, j]j;fO6_

-$_ btf{sf] k|df0fkq -btf{ g+=, btf{ ug]{ sfof{no, btf{ ldlt_, cg'dltkq jf Ohfhtkq / sf/f]af/

cg'dltkq jf gjLs/0fsf] k|df0fkq gDa/, hf/L ldlt, axfn /xg] cjlw / hf/L ug]{ lgsfo

-%_ :yfoL n]vf gDa/jf s/ k|of]hgsf] nflu ;/sf/L lgsfon] k|bfg u/]sf] To:t} k|sf/sf]

k|df0fkq gDa/,

-^_ Joj;fo÷sf/f]af/sf] lsl;d

-&_ sfo{If]q

-*_ zfvf÷sfof{no ;+Vof / d'Vo–d'Vo zfvf÷sfof{nox? /x]sf] :yfg

-(_ jflif{s cg'dflgt sf/f]af/ /sd

-!) k|f]k|fO6/, ;fem]bf/ / vftf ;~rfnsx?sf] ljj/0f -kb, gfd, y/, klt÷klTg, afa', afh]sf]

gfd, :yfoL 7]ufgf, xfnsf] 7]ufgf, 6]lnkmf]g g+=, df]jfOn g+=, Od]n 7]ufgf_

-!!_ k|f]k|fO6/, ;fem]bf/ / vftf ;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f] / gful/stf jf /fxbfgL jf

dtbftf kl/ro–kq jf ;jf/L rfns cg'dltkqsf] 5ljlrq

-!@_ kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] ljQLo ljj/0f / n]vfk/LIf0f ug'{ gkg]{sf] xsdf

;DalGwt ;+:yfn] tof/ u/]sf] ljQLo ljj/0f .

-!#_ kl5Nnf] cfly{s jif{sf] s/r'Qmf k|df0fkq jf s/ bflvnf ljj/0f

-!$_ kmd{sf ;fem]bf/ aLr ePsf] sa'lnotgfdf


-!%_ ;fem]bf/ kmd{ eP cfly{s tyf k|zf;lgs sf/f]af/ ug]{ ;DaGwdf lbPsf] clVtof/gfdf

-!^_ ;DalGwt ;+:yfn] cfjZos 7fg]sf cGo ljj/0f tyf sfuhftx? .

-u_ sDkgLsf] vftf

-!_ sDkgLsf] gfd

-@_ /lhi6{8{ sfof{nosf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g g+=,


-#_ Jofj;flos sfof{nosf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g




-%_ :yfoL n]vf gDa/jf s/ k|of]hgsf] nflu ;/sf/L lgsfon] k|bfg u/]sf] To:t} k|sf/sf]

k|df0fkq gDa/,

-^_ Joj;fo÷sf/f]af/sf] lsl;d

-&_ sfo{If]q



-!)_ ;~rfns, Joj:yfkg ;ldlt jf To:t} sfo{sf nflu u7g ePsf] cGo s'g} ;ldlt eP To;sf

kbflwsf/L, sfo{sf/L k|d'v, vftf ;~rfnsx? / pRr Joj:yfkssf] JolQmut ljj/0f -kb,

gfd, y/, klt÷klTg, afa', afh]sf] gfd, :yfoL 7]ufgf, xfnsf] 7]ufgf, 6]lnkmf]g g+=, df]jfOn

g+=, Od]n 7]ufgf_

-!!_ bz k|ltzt jf ;f] eGbf a9L ;]o/ wf/0f ug]{ ;]o/wgLsf] JolQmut ljj/0f -gfd, y/,

klt÷klTg, afa', afh]sf] gfd, :yfoL 7]ufgf, xfnsf] 7]ufgf, 6]lnkmf]g g+=, df]jfOn g+=, Od]n

7]ufgf_

-!@_ ;~rfns, sfo{sf/L k|d'v / vftf ;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f] / gful/stf jf

/fxbfgL jf dtbftf kl/ro–kq jf ;jf/L rfns cg'dltkqsf] 5ljlrq .

-!#_ sDkgLsf] bz k|ltzt jf ;f] eGbf a9L ;]o/ :jfldTj wf/0f ug]{] sfg'gL JolQm -sDkgL,

;+:yf_ sf] xsdf ;f] sfg'gL JolQmsf] bz k|ltzt jf ;f] eGbf a9L ;]o/ wf/0f ug]{

;]o/wgLsf]JolQmut ljj/0f -gfd, y/, klt÷klTg, afa', afh]sf] gfd, :yfoL 7]ufgf, xfnsf]

7]ufgf, 6]lnkmf]g g+=, df]jfOn g+=, Od]n 7]ufgf_

-!$_ kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] ljQLo ljj/0f -u|fxsaf6 vftf vf]Nbfsf] jvt

clgjfo{ ?kdf lng'kg]{ / tt\ kZrft a}+s tyf ljQLo ;+:yfn] u|fxssf] hf]lvdsf] cfwf/df

cfjZos 7fg]sf] ;dodf lng ;Sg]_

-!%_ kl5Nnf] cfly{s jif{sf] s/r'Qmf k|df0fkq jf s/ bflvnf ljj/0f -u|fxsaf6 vftf vf]Nbfsf]

avt clgjfo{ ?kdf lng'kg]{ / To; kZrft a+}s tyf ljQLo ;+:yfn] u|fxssf] hf]lvdsf]

cfwf/df cfjZos 7fg]sf] ;dodf lng ;Sg]_

-!^_ ljb]zL sDkgLsf] ;xfos sDkgL ePdf ljb]zL d'Vo sDkgLsf] gfd / 7]ufgf

-!&_ ;+:yfkgf / u7g ;DaGwL k|df0fkq tyf sDkgLsf] k|aGwkq / lgodfjnL

-!*_ vftf vf]Ng] / vftf ;~rfng ug]{ ;DaGwdf ;~rfns ;ldltn] u/]sf] lg0f{o / clVtof/L

-!(_ ;~rfns ;ldltn] sfo{sf/L k|d'v / cGo clws[t sd{rf/LnfO{ cfly{s sf/f]af/sf] ;DaGwdf

k|bfg u/]sf] clVtof/L

-@)_ ;DalGwt ;+:yfn] cfjZos 7fg]sf cGo ljj/0f tyf sfuhftx? .


:ki6Ls/0fM

ljz]if P]g cGtu{t :yfkgf ePsf ;+ul7t ;+:yfx?sf] xsdf btf{sf] k|df0fkq ;DaGwL ljj/0f

lng clgjfo{ x'g] 5}g .

-3_ Sna÷u}/;/sf/L ;+3÷;+:yfsf] vftf

-!_ Sna tyf u}/;/sf/L ;+3 ;+:yfsf] gfd

-@_ btf{ x'Fbfsf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g g+=, km\ofS;

g+=, Od]n 7]ufgf, j]j;fO6 7]ufgf_

-#_ btf{ x'Fbfsf] 7]ufgf kl/jt{g ePsf] ePdf kl/jlt{t 7]ufgf



-%_ :yfoL n]vf gDa/ jf s/ k|of]hgsf] nflu ;/sf/L lgsfon] k|bfg u/]sf] To:t} k|sf/sf]

k|df0fkq gDa/,

-^_ sf/f]af/sf] lsl;d

-&_ sfo{If]q



-!)_ sfo{sf/L k|d'v / vftf ;~rfnsx?sf] JolQmut ljj/0f -kb, gfd, y/, klt÷kTgL, afa',

afh]sf] gfd, :yfoL 7]ufgf, xfnsf] 7]ufgf,6]lnkmf]g g+=, df]jfOn g+=, Od]n 7]ufgf_

-!!_ sfo{ ;ldltsf ;b:o,6«i6L, lgoGqs, ;+/Ifs jf ;]6n/sf] JolQmut ljj/0f-kb, gfd, y/,:yfoL

7]ufgf, xfnsf] 7]ufgf,Od]n 7]ufgf tyf sfo{/t ;+:yfsf] gfd, 7]ufgf / ;Dks{ g+=_ tyf 7]ufgf

v'Ng] sfuhft

-!@_ sfo{sf/L k|d'v / vftf ;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f] / gful/stf /fxbfgL jf

dtbftf kl/ro–kq jf ;jf/L rfns cg'dltkqsf] 5ljlrq .

-!#_ kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] ljQLo ljj/0f

-!$_ ;+:yf btf{ k|df0fkqsf] 5lalrq

-!%_ ljwfg

-!^_ vftf vf]Ng] ;DaGwL sfo{ ;ldltsf] lg0f{o

-!&_ vftf ;~rfng tyf cfly{s sf/f]af/ ;DaGwL clVtof/L

-!*_ ;DalGwt ;+:yfn] cfjZos 7fg]sf cGo ljj/0f tyf sfuhftx? .

-ª_ ;xsf/L ;+:yfsf] vftf

(1) ;+:yfsf] gfd

(2) /lhi6{8{ sfof{nosf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g g+=,


(3) Jofj;flos sfof{nosf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g


(4) btf{sf] k|df0fkq -btf{ g+=, btf{ ug]{ sfof{no, btf{ ldlt_, cg'dltkq jf Ohfhtkq / sf/f]af/


(5) :yfoL n]vf gDa/ jf s/ k|of]hgsf] nflu ;/sf/L lgsfon] k|bfg u/]sf] To:t} k|sf/sf]

k|df0fkq gDa/,

(6) Joj;fo÷sf/f]af/sf] lsl;d


(7) sfo{If]q

(8) zfvf÷sfof{no ;+Vof / d'Vo–d'Vo zfvf÷sfof{nox? /x]sf] :yfg

(9) jflif{s cg'dflgt sf/f]af/ /sd

(10) ;~rfns, sfo{sf/L k|d'v / vftf ;~rfnsx?sf] JolQmut ljj/0f -kb, gfd, y/, klt÷kTgL,

afa', afh]sf] gfd, :yfoL 7]ufgf, xfnsf] 7]ufgf, 6]lnkmf]g g+=, df]jfOn g+=, Od]n 7]ufgf_

(11) ;~rfns, sfo{sf/L k|d'v / vftf ;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f] / gful/stf jf

/fxbfgL jf dtbftf kl/ro–kq jf ;jf/L rfns cg'dltkqsf] 5ljlrq .

(12) kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] ljQLo ljj/0f

(13) kl5Nnf] cfly{s jif{sf] s/r'Qmf k|df0fkq jf s/ bflvnf ljj/0f

(14) ;+:yfsf] ljlgod

(15) ;+:yf btf{ ;DaGwL k|df0fkqsf] 5lalrq

(16) vftf vf]Ng] ;DaGwL ;~rfns ;ldltsf] lg0f{o / cfly{s sf/f]af/ ug]{ ;DaGwL clVtof/L

(17) ;DalGwt ;+:yfn] cfjZos 7fg]sf cGo ljj/0f tyf sfuhftx? .

r_ ;fj{hlgs u'7L jf lghL u'7Lsf] vftf

(1) gfd

(2) btf{ x'Fbfsf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g g+=, km\ofS;


(3) btf{ x'Fbfsf] 7]ufgf kl/jt{g ePsf] ePdf kl/jlt{t 7]ufgf

(4) btf{sf] k|df0fkq -btf{ g+=, btf{ ug]{ sfof{no, btf{ ldlt_, cg'dltkq jf Ohfhtkq / sf/f]af/


(5) :yfoL n]vf gDa/ jf s/ k|of]hgsf] nflu ;/sf/L lgsfon] k|bfg u/]sf] To:t} k|sf/sf]

k|df0fkq gDa/,

(6) sf/f]af/sf] lsl;d

(7) sfo{If]q



(10) ;~rfns jf Joj:yfkg ;ldltsf ;b:o jf To:t} sfo{sf nflu u7g ePsf] cGo s'g} ;ldlt

eP To;sf kbflwsf/L, sfo{sf/L k|d'v / vftf ;~rfnsx?sf] ljj/0f -kb, gfd, y/,

klt÷kTgL, afa', afh]sf] gfd, :yfoL 7]ufgf, xfnsf] 7]ufgf, 6]lnkmf]g g+=, df]jfOn g+=, Od]n

7]ufgf_

(11) sfo{sf/L k|d'v / vftf ;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f] / gful/stf jf /fxbfgL jf

dtbftf kl/ro–kq jf ;jf/L rfns cg'dltkqsf] 5ljlrq tyf ;~rfns jf Joj:yfkg

;ldltsf ;b:ox?sf] 7]ufgf v'Ng] sfuhft


(13) kl5Nnf] cfly{s jif{sf] s/ bflvnf ljj/0f

(14) ljwfg

(15) u'7L :yfkgf ;DaGwL ePsf] sa'lnotgfdf

(16) u'7L :yfkgf ;DaGwL k|df0fkqsf] k|dfl0ft 5lalrq

(17) vftf vf]Ng] ;DaGwL ;~rfns÷Joj:yfkg ;ldltsf] lg0f{o / cfly{s sf/f]af/ ;DaGwL

clVtof/L


-5_ :s'n jf SofDk;sf] vftf

(1) :s'n jf SofDk;sf] gfd





(4) btf{sf] k|df0fkq -btf{ g+=, btf{ ug]{ sfof{no, btf{ ldlt_

(5) :yfoL n]vf gDa/:yfoL n]vf gDa/jf s/ k|of]hgsf] nflu ;/sf/L lgsfon] k|bfg u/]sf] To:t}

k|sf/sf] k|df0fkq gDa/


(7) sfo{If]q



(10) ;~rfns jf Joj:yfkg ;ldltsf ;b:o jf To:t} sfo{sf nflu u7g ePsf] cGo s'g} ;ldlt

eP To;sf kbflwsf/L, sfo{sf/L k|d'v / vftf ;~rfnsx?sf] ljj/0f -kb, gfd, y/,


7]ufgf_

(11) sfo{sf/L k|d'v / vftf ;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f] / gful/stf jf /fxbfgL jf

dtbftf kl/ro–kq jf ;jf/L rfns cg'dltkqsf] 5ljlrq .



(14) k|aGwkq / lgodfjnL

(15) ;+:yf :jLs[ltsf] k|df0fkqsf] k|dfl0ft 5lalrq

(16) ;~rfns÷Joj:yfkg ;ldltn] vftf vf]Ng] ;DaGwL u/]sf] lg0f{o / cfly{s sf/f]af/ ;DaGwL

lbPsf] clVtof/L


-h_ cGt/f{li6«o u}/;/sf/L ;+:yfsf] vftf

(1) ;+:yfsf] gfd




(4) btf{sf] k|df0fkq -btf{ g+=, btf{ ug]{ sfof{no, btf{ ldlt_

(5) :yfoL n]vf gDa/jf s/ k|of]hgsf] nflu ;/sf/L lgsfon] k|bfg u/]sf] To:t} k|sf/sf]

k|df0fkq gDa/,


(7) sfo{If]q



(10) ;~rfns, sfo{sf/L k|d'v, g]kfnsf nflu lgo'Qm k|ltlglw jf k|d'v / vftf ;~rfnsx?sf]

JolQmut ljj/0f -gfd, afa' jf cfdfsf] gfd, :yfoL 7]ufgf, xfnsf] 7]ufgf, 6]lnkmf]g g+=,

df]jfOn g+=, Od]n 7]ufgf cflb_ tyf 7]ufgf v'Ng] sfuhft .

(11) sfo{sf/L k|d'v, g]kfnsf nflu lgo'Qm k|ltlglw jf k|d'v / vftf ;~rfnsx?sf] kf;kf]6{

;fO{hsf] kmf]6f] / gful/stf jf /fxbfgL jf dtbftf kl/ro–kq jf ;jf/L rfns cg'dltkqsf]

5ljlrq .



(13) s/ ljj/0f bflvnf ug'{kg]{ ;+:yfsf] xsdf kl5Nnf] cfly{s jif{sf] s/ bflvnf ljj/0f

(14) ;dfh sNof0f kl/ifb\ / ;+:yf aLr s'g} ;Demf}tf ePsf] eP ;Demf}tfsf] k|ltlnkL

(15) g]kfn ;/sf/;Fu s'g} ;Demf}tf ePsf] eP ;f] ;Demf}tf

(16) g]kfnsf] s'g} cflwsfl/s lgsfo jf6 ;DaGwg jf :jLs[lt lnO;s]sf cGt/f{li6«o u}=;=;+=

afx]s cGo cGt/f{li6«o u}=;=;+=sf] xsdf ;DalGwt b]z jf ;f] b]zsf] /fhb"tfjf;sf] l;kmfl/;

kq .

(17) ;+:yfsf] ljwfg

(18) ;+:yfn] vftf vf]Ng lbPsf] clVtof/L / cfly{s sf/f]af/ ug{ lbPsf] clVtof/L


(20) cGt/fli6«o Snasf g]kfn l:yt :yfgLo ;ldlt tyf Snasf xsdf pQm cGt/fli6«o

Snasf] s]Gb|Lo ;ldltaf6 eft[ ;+u7gsf ;ldlt u7g ul/Psf] lg0f{o / vftf ;+rfng

ug]{ ;DaGwdf u/]sf] lg0f{osf] k|ltlnlk .

(21) ;ldltsf] gfddf a}+s vftf ;+rfng ug{sf nflu vftf ;+rfnssf] gfd ;lxt u/]sf]

l;kmfl/; kq .

-em_ ljb]zL JolQmsf] vftf

(1) k'/f gfd, y/

(2) /fli6«otf

(3) ljb]zsf] 7]ufgf -:yfoL / c:yfoL_

(4) g]kfnsf] 7]ufgf

(5) kl/jf/sf ;b:ox?sf] ljj/0f

(6) /fxbfgL÷le;fM

(7) /fxbfgL g+==========hf/L ug]{ b]z==========hf/L u/]sf] :yfg ========= hf/L ldlt===============clGtd

ldlt ==========================le;fsf] cjlw gf£g] ldlt==============

(8) Dofb ggf3]sf] le;fsf] k|dfl0ft 5lalrq

(9) /fxbfgLsf] k|ltlnkL

(10) sd{rf/L eP sfo{/t ;+:yfsf] gfd, 7]ufgf, ;Dks{ g+= / l;kmfl/; kq

(11) /fxbfgL gePsf ef/tLo gful/ssf] xsdf ef/tLo sfg'g adf]lhd gful/s xf] egL lnPsf]

k|df0fkqsf] gDa/, ldlt, hf/L ug]{ lgsfo / :yfg . ;DalGwt ;+:yfn] cfjZos 7fg]df

ef/tLo /fhb'tfjf;sf] kq ;d]t dfu ug{ ;Sg]5 .

(12) z/0ffyL{sf] xsdf ;DalGwt ;/sf/L jf cGt/f{li6«o lgsfon] lbPsf] kl/rokq gDa/, hf/L /

;dflKt ldlt / hf/L ePsf] :yfg .


-`_ ljb]zL sDkgLsf] vftf

(1) sDkgLsf] gfd

(2) ljb]zL sDkgLsf] ljb]zdf /x]sf] /lhi6{8{ sfof{nosf] k'/f 7]ufgf -b]z, k|fGt÷/fHo, zx/, dfu{,

3/ g+=, 6]lnkmf]g g+=, km\ofS; g+=, Od]n, j]j;fO6 cflb_

(3) ljb]zL sDkgLsf] ljb]zdf /x]sf] Jofj;flos sfof{nosf] 7]ufgf -b]z, k|fGt÷/fHo, zx/, dfu{,

3/ g+=, 6]lnkmf]g g+=, km\ofS; g+=, Od]n, j]j;fO6 cflb_

(4) ljb]zL sDkgLsf] g]kfn l:yt sfof{nosf] k'/f 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=,

6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g g+=, km\ofS; g+=, Od]n, j]j;fO6 cflb_


(5) g]kfn l:yt sfof{nosf] lsl;d -zfvf, ;Dks{, kl/of]hgf jf cGo s'g}_

(6) ljb]zdf btf{sf] k|df0fkq -btf{ g+=, btf{ ug]{ b]z, btf{ ug]{ sfof{no, btf{ ldlt_, cg'dltkq jf

Ohfhtkq / sf/f]af/ cg'dltkq jf gjLs/0fsf] k|df0fkq gDa/, hf/L ldlt, axfn /xg]

cjlw / hf/L ug]{ lgsfo

(7) g]kfndf btf{ ePsf] eP ;f] ;DaGwL ljj/0f tyf sfuhft -btf{ g+=, btf{ ug]{ sfof{no, btf{

ldlt, cg'dltkq jf Ohfhtkq / sf/f]af/ cg'dltkq jf gjLs/0fsf] k|df0fkq gDa/, hf/L

ldlt, axfn /xg] cjlw / hf/L ug]{ lgsfo_


(9) sfo{If]q



(12) sDkgLsf] k|aGwkq, lgodfjnL

(13) j}b]lzs sDkgLn] vftf vf]Ng lbPsf] clVtof/L tyf sf/f]af/ ug{ lbPsf] clVtof/L

(14) j}b]lzs sDkgLsf] ;~rfns / sfo{sf/L k|d'vsf] JolQut ljj/0f -kb, gfd, y/, 7]ufgf,

6]lnkmf]g g+=, df]jfOn g+=, Od]n 7]ufgf_

(15) g]kfnsf nflu lgo'Qm ul/Psf] k|ltlglw / vftf ;~rfnssf] JolQmut ljj/0f -kb, gfd, y/,


7]ufgf_

(16) j}b]lzs sDkgLsf] k|d'v b'O{ kbflwsf/L, g]kfnsf nflu lgo'Qm ul/Psf] k|ltlglw / vftf

;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f], gful/stf jf /fxbfgLsf] 5lalrq / tL JolQmx?sf]

7]ufgf k'i6L x'g] sfuhft




-6_ s'6g}lts lgof]u÷/fhb"tfjf;sf] vftf

(1) lgof]u÷/fhb"tfjf;sf] kq

(2) vftf ;~rfng ;DaGwL clVtof/L

(3) vftf ;~rfnssf] gfd, y/, 7]ufgf, kmf]6f] tyf 7]ufgf k|dfl0ft x'g] sfuhft


-7_ u}/cfjf;Lo g]kfnL gful/ssf] vftf

(1) k'/f gfd, y/,

(2) /fli6«otf, hGdldlt / lnË

(3) ljb]z l:yt :yfoL / xfnsf] j;f]jf; jf sfo{/t lgsfosf] k'/f 7]ufgf / tTsfn ;Dks{ ug{

;lsg] dfWod

(4) g]kfnsf] k'/f 7]ufgf jf ;Dks{ :yfg

(5) cfdfafa' jf cfdf jf afa'dWo] s'g} Ps / afh]sf] k'/f gfd

(6) Psn dlxnf jf Psn k'?if jfx]ssf ljjflxtsf] xsdf >Ldfg\÷>LdtLsf] k'/f gfd

(7) cfo ;|f]t v'Ng] sfuhftx?

(8) g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 hf/L u}/cfjf;Lo g]kfnL kl/ro kqsf] 5lalrq


(9) /fxbfgLsf] k|dfl0ft 5lalrq


-8_ pkef]Qmf ;ldltsf] vftf

-!_ ;DalGwt pkef]Qmf ;ldltaf6 pkef]Qmf ;ldlt u7g ul/Psf] lg0f{o / vftf ;+rfng ug]{

;DaGwdf u/]sf] lg0f{osf] k|ltlnlk

-@_ :yfgLo txaf6 pkef]Qmf ;ldltsf] gfddf a}+s vftf ;+rfng ug{sf nflu vftf ;+rfnssf]

gfd ;lxt u/]sf] l;kmfl/; kq

-#_ sf/f]af/sf] lsl;d

-$_ cg'dflgt sf/f]af/ /sd

-%_ vftf ;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f] / gful/stf jf kf;kf]6{ jf dtbftf kl/rokq

jf ;jf/L rfns cg'dltkqsf] 5ljlrq

-^_ pkef]Qmf ;ldlt s'g} lgsfodf btf{ ePsf] eP To:tf] btf{ k|df0f–kqsf] 5ljlrq

-&_ vftf ;~rfnssf] JolQmut ljj/0f

-*_ pkef]Qmf ;ldltsf] u7gsf] p2]Zo adf]lhd dfq vftf ;~rfng ug]{ ;DaGwdf pkef]Qmf

;ldltsf] :j3f]if0ff .

gf]6 M cfly{s jif{ ;dfKt eO{ n]vf k/LIf0f ;DkGg u/fpg] tyf s/ bflvnf ljj/0f k]z ug]{ ;DaGwdf

sfg'gn] lglb{i6 u/]sf]] ;dofjlwleq s'g} ;+:yfsf] vftf vf]Ng' k/]df ;f] cfly{s jif{sf] eGbf cl3Nnf] cfly{s

jif{sf] n]vfk/LIf0f ePsf] ljQLo ljj/0f tyf s/ bflvnf ljj/0f lnO{ vftf vf]Ng ;lsg] 5 .

g]kfn /fi6« a}+s - Mega Bank Nepal

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