PsLs[t kl/kq @)&^ Unified Circular-2076.… · kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L ef/t afx]s cGo d'n'sx¿af6 ul/g] dfn;fdfg cfoftsf] nflu vf]lng] k|tLtkq sf/f]jf/ ;DaGwdf lgDg

$Page 1: PsLs[t kl/kq @)&^ Unified Circular-2076.… · kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L ef/t afx]s cGo d'n'sx¿af6 ul/g] dfn;fdfg cfoftsf] nflu vf]lng] k|tLtkq sf/f]jf/ ;DaGwdf lgDg$
ljb]zL ljlgdo sf/f]jf/ ug{ Ohfhtkqk|fKt

a}+s tyf ljQLo ;+:yf / cGo lgsfox¿nfO{ hf/L ul/Psf]

PsLs[t kl/kq – @)&^

-PsLs[t kl/kq, @)&$ / ;f] kZrft ldlt @)&^.)(.)* ;Dd hf/L kl/kq÷;"rgf / ;+zf]wg

;d]t ;dfj]z u/L kl/dfh{g ul/Psf]_

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no

ljb]zL ljlgdo Joj:yfkg ljefu

@)&^ k';

ljifo–;"rL

l;=g+= zLif{s k[i7 ;+Vof

!= cfoft ;DaGwL Joj:yf 1

!=! k|tLtkq sf/f]jf/ ;DaGwL Joj:yf 1

!=@ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L ef/tafx]s cGo d'n'sx¿af6 k|tLtkq afx]s

D.A.P. (Documents Against Payment) tyf D.A.A. (Documents Against

Acceptence) sf] dfWodaf6 cfoft ug{ ;lsg] ;DaGwL Joj:yf 18

!=#= tftf]kfgL eG;f/ ljGb'dfkm{t rLgsf] :jzfl;t If]q ltAataf6 x'g] cfoft sf/f]jf/

;DaGwdf 20

!=$ sRrf pmgsf] cfoft ;DaGwL Joj:yf 21

!=% kl/jTo{ ljb]zL d'b|fdf vftf x'g] lgsfon] ef/taf6 k|tLtkq dfkm{t cfoft ug]{ Joj:yf 22

!=^ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L k|tLtkq dfkm{t ef/taf6 cfoft ug{ kfOg]

dfn;fdfgx¿ tyf cfoft ubf{ ckgfpg'kg]{ k|lqmof 23

!=& k|tLtkq ljgf 8«fˆ6÷l6=l6= sf] dfWodaf6 x'g] j:t' cfoft ;DaGwL Joj:yf 30

!=* Unf]jn 6]08/ dfkm{t ef/t af6 cfoft x'g] j:t' tyf ;]jf vl/b ;DaGwL Joj:yf 32

!=( a}+s Uof/]06Lsf cfwf/df clu|d e'QmfgL k7fpg] ;DaGwdf 33

!=!) ljb]zL gful/ssf] -t];|f] d'n's tyf ef/tsf_ kfl/>ldssf] ;6xL Joj:yf ;DaGwdf 34

!=!! ef/taf6 j:t' tyf ;]jf cfoft ubf{ k|bfg ul/g] ;6xL ;'ljwf tyf ef/tLo ¿k}ofFsf]

v/Lb÷ljqmL sf/f]jf/ ;DaGwL Joj:yf 35

@= ACU sf/f]jf/ ;DaGwL Joj:yf 63

#= ;'g cfoft tyf ljqmL ljt/0f ;DaGwL Joj:yf 66

$= ;'g cfk"lt{, rFfbL cfoft tyf ljqmL ljt/0f ;DaGwL Joj:yf 74

%= lgof{t ;DaGwL Joj:yf 83

-!_ lgof{tstf{x¿sf] nflu clu|d e'QmfgL k|df0fkq hf/L ug]{ ;DaGwL Joj:yf 83

-@_ lgof{t k|tLtkq k|dfl0ft ul/lbg] ;DaGwL Joj:yf 85

-#_ DEEMED EXPORT nfO{ lgof{t ;/x dfGotf lbg] ;DaGwL Joj:yf 85

-$_ tof/L kf];fssf] lgof{t sf/f]jf/ ;DaGwL Joj:yf 86

-^_ bfnhGo j:t'x¿sf] lgof{t ;DaGwL Joj:yf 87

-&_ Cash Against Documents (CAD) sf] cfwf/df dfn;fdfg lgof{t ;DaGwL Joj:yf 87

-*_ lgof{t ug]{ eG;f/ ljGb' ;DaGwL Joj:yf 88

^= lgof{tdf cg'bfg k|bfg ug]{ ;DaGwL Joj:yf 95

&= kl/jTo{ ljb]zL d'b|f ;6xL ;DaGwL Joj:yf 106

!= /fxbfgL afktsf] ;6xL ;'ljwf ;DaGwL Joj:yf 106

@= kl/jTo{ ljb]zL d'b|f cfh{g gePsf lgsfon] tflnd, uf]i7L, a}7s cflb e|d0fdf hfFbf

kfpg] ;6xL ;'ljwf ;DaGwL Joj:yf 108

#= kl/jTo{ ljb]zL d'b|f cfh{g ePsf lgsfon] tflnd, uf]i7L, a}7s cflb e|d0fdf hfFbf

kfpg] ;6xL ;'ljwf ;DaGwL Joj:yf 109

$= cGt/f{li6«o ;+3÷;+:yfx¿n] ef/tdf kl/jTo{ ljb]zL d'b|fdf e'QmfgL ug]{ ;DaGwL Joa:yf 109

%= le;f afkt ;+slnt g]kfnL ?k}+ofsf] ;6xL ;'ljwf ;DaGwL Joj:yf 109

^= lgof{tstf{x¿nfO{ zfvf÷;Dks{÷k|bz{g sIf h:tf sfof{nosf] nflu ;6xL ;'ljwf

pknJw u/fpg] ;DaGwL Joj:yf 110

&= j}b]lzs /f]huf/ Joj;foLx¿nfO{ ;6xL ;'ljwf k|bfg ug]{ ;DaGwL Joj:yf 111

*= g]kfn ;d'b|kf/ lgsf;L k}7f/L ;+3df cfj4 sDkgL÷kmd{nfO{ ;6xL ;'ljwf k|bfg ug]{

;DaGwL Joj:yf 112

(= ljleGg k|of]hgsf] nflu kl/jTo{ ljb]zL d'b|fsf] ;6xL ;DaGwL Joj:yf 113

!)= d]lzg/L tyf cf}hf/x¿ ef8fdf k|of]u u/] afktsf] ;6xL ;'ljwf ;DaGwdf 115

!!= ljljw sfo{qmdx¿ ;~rfng ug]{ cu'jf cfof]hs ;+:yf (Lead Organizer) nfO{

pknAw x'g] ;6xL Joj:yf 115

!@= Kofs]h 6'/ ;DaGwL sfd ug]{ 6'/ ck/]6/x¿nfO{ k|bfg ug]{ ;6xL ;DaGwL Joj:yf 115

*= cfk|jf; le;fdf ljb]z hfg] g]kfnL gful/sx¿nfO{ Settlement vr{ afkt k|bfg

ug]{ kl/jTo{ ljb]zL d'b|fsf] ;6xL ;'ljwf ;DaGwdf 125

(= pRr lzIff cWoogsf] nflu kl/jTo{ ljb]zL d'b|f ;6xL ;DaGwL Joj:yf 126

!)= g]kfnL gful/sn] gub} /fVg / ;6xL ug{ ;Sg] gub kl/jTo{ ljb]zL d'b|fsf

;DaGwdf 130

!!= g]kfn ;/sf/ nufot ljleGg lgsfonfO{ cfjZos kg]{ ljb]zL d'b|fsf] ;6xL

;'ljwf ;DaGwdf 134

!@= t];|f] d'n'saf6 lnPsf] ;]jfsf] e'QmfgLsf] nflu ;6xL ;'ljwf k|bfg ug]{ ;DaGwL

Joj:yf 137

!#= l/Kofl6«Pzg ;DaGwL Joj:yf 140

!$= ljb]zL d'b|fsf] a}+s Uof/]06L hf/L ug]{ Joj:yf ;DaGwdf 152

!%= On]S6«f]lgs sf8{ dfkm{t x'g] sf/f]jf/ ;DaGwL Joj:yf 154

!^= gub kl/jTo{ ljb]zL d'b|f ljqmL tyf /sdfGt/ ;DaGwL Joj:yf 160

!&= lrlgofF d'b|f o'cfg (Yuan) sf] sf/f]jf/ ;DaGwL Joj:yf 162

!*= ljb]zL d'b|fdf vftf vf]Ng] / ;~rfng ug]{ ;DaGwL Joj:yf 163

!= :jb]zdf vf]lng] ljb]zL d'b|fsf] vftf / ;~rfng ;DaGwL Joj:yf 163

@= ljb]zdf ljb]zL d'b|fsf] vftf vf]Ng] / ;~rfng ug]{ ;DaGwL Joj:yf 171

!(= jf0fLHo a}+sx¿n] k|jfx ug{ ;Sg] kl/jTo{ ljb]zL d'b|fsf] C0f ;DaGwL Joj:yf 175

@)= Ph]G;L a}+sx¿df /fVg ;Sg] ljb]zL ljlgdo df}Hbft, Derivatives pks/0f,

Forward Contract / Interest Rate Swap ;DaGwL Joj:yf 183

@!= ljb]zL d'b|fsf] v/Lb ljqmL sf/f]jf/, sld;g / ljlgdo b/ k|sfzg ;DaGwL

Joj:yf 187

@@= kl/jTo{ ljb]zL d'b|fdf C0fkq hf/L ug]{ ;DaGwL Joj:yf 191

@#= j}b]lzs nufgLsf] k|df0fkq, n]vfÍg tyf k"j{ ;~rfng vr{ nufgLdf u0fgf

;DaGwL Joj:yf 193

@$= ljb]zL d'b|f sf/f]jf/sf] Ohfht ;DaGwL Joj:yf 200

@%= ljk|]if0f sf/f]jf/ ;DaGwL Joj:yf 212

@^= dlgr]Gh/nfO{ k|bfg ul/g] a§f tyf r'Qmf k"FhL ;DaGwL Joj:yf 219

@&= ljb]zL ljlgdo ;6xL /l;b ;DaGwL Joj:yf 220

@*= ;DklQ z'4Ls/0f ;DaGwL Joj:yf 229

@(= ljljw Joj:yf 255

#)= lj=lj=lg=kmf/fd tyf Online Reporting ;DaGwL Joj:yf 259

#!= ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] k|of]hgsf] nflu hf/L ul/Psf

;fj{hlgs ;"rgfx¿ 261

-!_ k|ToIf j}b]zLs nufgL M k'FhL, C0f, Jofh tyf nfef+; ;DaGwL ;"rgf 261

-@_ ljb]zL nufgL -z]o/ tyf C0f_ sf] n]vf+sg u/fpg] ;DaGwdf uf]/vfkqdf

k|sflzt ;"rgf 266

-#_ gub g]kfnL tyf ljb]zL d'b|f cf];f/ k;f/df k|ltaGw nufOPsf] ;DaGwL

ldlt @)&%.!@.@^ df k|sflzt ;"rgf 267

-$_ g]kfnL tyf ljb]zL gful/sn] cfkm';Fu ePsf] ljb]zL ljlgdosf] ljj/0f a'emfpg]

;DaGwL ;"rgf 268

-%_ x'nfsaf6 ;fdfg lgof{t ug]{ ;DaGwL ;"rgf 269

-^_ g]kfn /fi6« a}+snfO{ ljb]zL d'b|f ;dk{0f u/]df kfpg] ;'ljwf ;DaGwL ;"rgf 274

-&_ kl/jTo{ ljb]zL d'b|fsf] ljj/0f k]z ug]{ ;DaGwL ;"rgf 275

-*_ lab]zL ljlgdodf C0f lng]÷lbg] ;DaGwL Joa:yf 276

-(_ ljb]zL nufgL jfktsf] ljb]zL d'b|f leq\ofpg], n]vf+sg u/fpg] / nfef+z n}hfg

lbOPsf] :yfoL ;6xL cg'dltkq af/]sf] ;"rgf 279

-!)_ Online Reporting System ;DaGwdf 280

-!!_ Ohfhtkqk|fKt ;+:yfx¿nfO{ Max Money SDN. BHD, Malaysia ;DaGwL ldlt

@)&%÷)*÷!@ df hf/L kl/kq 281

-!@_ Ohfhtkqk|fKt ;+:yfx¿nfO{ Max Money SDN. BHD, Malaysia ;DaGwL ldlt

@)&%÷!!÷)@ df hf/L kl/kq 282

-!#_ Bitcoin sf/f]jf/ u}/sfg'gL /x]sf]] ;DaGwdf 283

-!$_ o; a}+saf6 :jLs[lt kfPsf Payment System afx]s cGo ljb]zL Payment System

sf] k|of]u u}/sfg'gL /x]sf] ;DaGwdf 284

-!%_ k"jf{wf/ ljsf; lgdf{0fsf cfof]hgfx¿n] ljb]zaf6 cNksfnLg ;fk6L Nofpg kfpg]

Joj:yf ;DaGwL ;""rgf 285

-!^_ d'b|f tyf wf/s ljlgdo clwsf/ kqsf] pb\3f]if0f ug]{ Joj:yf ;DaGwL ;"rgf 286

-!&_ g]kfn /fi6« a}+saf6 Ohfhtkqk|fKt æsÆ, ævÆ / æuÆ ju{sf a}s tyf ljQLo

;+:yfx¿n] ef/tLo d'b|fdf C0f lng ;Sg] Joj:yf ;DaGwL ;""rgf 287

-!*_ g]kfn /fi6« a}+saf6 Ohfhtkqk|fKt æsÆ, ævÆ / æuÆ ju{sf a}s tyf ljQLo

;+:yfx¿n] kl/jTo{ ljb]zL d'b|fdf C0f lng ;Sg] Joj:yf ;DaGwL ;""rgf 288

-!(_ n3' ljQ ljQLo ;+:yfx¿n] kl/jTo{ ljb]zL d'b|fdf C0f lng ;Sg] Joj:yf ;DaGwL

;""rgf 289

1

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M)! ÷@)&^

cfoft ;DaGwL Joj:yf

ef/t tyf cGo d'n'saf6 x'g] cfoft ;DaGwdf b]xfo adf]lhd Joj:yf ul/Psf]n] ;f]xL adf]lhd ug'{

u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6«

a}+s, a}+lsË sfof{no nufot ;Dk"0f{ sfof{nox¿ tyf Ohfhtkqk|fKt æsÆ ju{ / /fli6«o :t/sf ævÆ ju{sf

ljsf; a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

!=! k|tLtkq sf/f]jf/ ;DaGwL Joj:yf

kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L ef/t afx]s cGo d'n'sx¿af6 ul/g] dfn;fdfg cfoftsf]

nflu vf]lng] k|tLtkq sf/f]jf/ ;DaGwdf lgDg Joj:yf sfod ul/Psf] 5 .

!=!=! cfoft k|tLtkq vf]Nbf ckgfpg' kg]{ k|s[of M

-s_ cfoftstf{n] k]z ug'{kg]{ sfuhftx¿ M

cfoftstf{n] cfoft k|tLtkq vf]Ng' k"j{ ;DalGwt a}+sn] tf]s]cg';f/sf] k|tLtkq

vf]Ng] lgj]bg (L/C Application) k"0f{?kdf e/]/ ;f];Fu lgDgfg';f/sf sfuhftx¿

;+nUg ug'{kg]{5

-!_ cfoftstf{ kmd{sf] cBfjlws kmd{ btf{ k|df0fkq

-@_ cBfjlws cfos/ btf{ k|df0fkq

-#_ k|f]kmdf{ OGEjfO;, OG8]G6 jf sG6«ofS6 k]k/ (Proforma Invoice, Indent or

Contract Paper)

o;/L ;+nUg u/]sf] Proforma Invoice, Indent jf Contract Paper df lgDg Joxf]/f

:ki6?kdf v'n]sf] x'g'kg]{ 5 M

-c_ ;fdfgsf] gfd, j|f08 / df]8]n gDj/ eP ;f] ;d]t

-cf_ ;fdfg pTkfbg ug]{ d'n'ssf] gfd

-O_ OsfO{ d"No, kl/df0f / hDdf d"No

-O{_ OGsf]6d{ (CIF, FOB, CFR, EXW cflb_

-p_ e'QmfgLsf] lsl;d (Sight Payment, Mixed Payment, Usance eP slt

;dosf] / Deferred Payment ePdf slt k|ltzt 8s'd]G6 k|fKt ePkl5 /

slt k|ltzt ;Dk"0f{ ;fdfg k|fKt ePkl5 e'QmfgL x'g] xf] ;f] s'/f v'Ng] ljj/0f

cflb_

-pm_ tf]lsP adf]lhdsf] xfdf]{lgs sf]8 g+=

-P_ cfoftstf{ tyf lgof{tstf{sf] gfd, 7]ufgf, Od]n / 6]lnkmf]g

-P]_ cfoftstf{sf] Exim Code

-v_ lj=lj=lg=kmf/fd g+=# eg'{kg]{ M

cfoft k|tLtkq vf]Ng lgj]bg lbg] cfoftstf{n] dfly bkmf !=!=! sf] v08 -s_ df

plNnlvt sfuhftx¿sf ;fydf o;} kl/kq ;fy ;+nUg lj=lj=lg=kmf/fd g+=#

ljlwjt ?kdf e/]/ ;+nUg ug'{kg]{5 . lj=lj=lg=kmf=g+=# ebf{ # k|lt eg'{ kg]{5 .

2

klxnf] k|lt kmfOndf /fVg' kb{5 eg] bf]>f] / t];|f] k|lt qmdzM ;DalGwt eG;f/

sfof{nodf / o; ljefudf k7fpg' kg]{5 . Pp6} k|tLtkq dfk{mt PseGbf a9L ;d"x

cGt/utsf ;fdfgx¿sf] k|tLtkq vf]Nbf jf e'QmfgL ubf{ ;d"x cg';f/ leGbfleGb}

d"No tyf kl/df0f clgjfo{?kdf pNn]v ug'{ kg]{5 .

-u_ eG;f/ ljGb' ;DaGwL Joj:yf M

-!_ cfoft k|tLtkq vf]Nbfs} cj:yfdf cfoft ul/g] dfn;fdfg h'g h'g eG;f/

ljGb'af6 lelqg] xf] ;f] eG;f/ ljGb'sf] gfd / 7]ufgf k|tLtkqdf clgjfo{?kn]

pNn]v ug'{kg]{5 tyf ;f]xL eG;f/ ljGb' dfkm{t cfoft x'g] k|tLtkqsf

sfuhftx¿ dWo] sDtLdf Invoice cyjf Transport Document dWo] s'g}

Psdf ;f] gfsf pNn]v x'g] u/L vf]Ng' kg]{ 5 .

-@_ Ps eGbf a9L eG;f/ ljGb'af6 cfoft ubf{ k|To]s eG;f/ laGb'af6 cfoft

x'g] dfnj:t'sf] kl/df0f / /sd k|tLtkqdf :ki6?kdf v'Ng'kg]{5 / dfnj:t'

cfoft eP÷gePsf] ;DalGwt a}+sn] cg'udg ug{'kg{]5 .

-#_ s'g} eG;f/ sfof{noaf6 dfnj:t' cfoft ug]{ u/L k|tLtkq vf]n]sf] t/

sf/0fjz ;f] eG;f/ sfof{nosf] ;§f cGo eG;f/ sfof{noaf6 cfoft ug{'kg]{

cj:yf k/]df ;DalGwt cfoftstf{af6 eG;f/ kl/jt{g ug{'kg]{ cf}lrTo k'li6

x'g] sfuhft lnO{ k|tLtkq vf]n]sf] a}+sn] cfoft x'g] eG;f/ gfsf ;+zf]wg

u/]sf] k|df0f -lj=lj=lg=kmf/fd_ cfoft x'g] eG;f/ sfof{nodf k]z ug{'kg]{ 5 .

o;/L cfoft x'g] eG;f/ laGb' kl/jt{gsf nflu cGo lgsfosf] cg'dlt jf

l;kmfl/; cfjZos kg]{ 5}g . o; k|of]hgsf] nflu Psk6s lj=lj=lg=kmf/fd

hf/L eO;s] kl5 ;f]sf] ;Ssn k|lt k|fKt geO{ csf]{ lj=lj=lg kmf/d hf/L

ug{ kfOg] 5}g .

-$_ g]kfn ;/sf/ cGtu{tsf ljleGg sfof{no, cfof]hgf tyf ;/sf/L

;+:yfgx¿n] cfoft ug]{ ;fdfg afx]s cGo cfoftstf{x¿n] t];|f] d'n'saf6

ef/tsf] sf]nsfQf÷xlNbof aGb/ufx x'Fb} 6«s dfk{mt cfoft ul/g] j:t'x¿

lgDg eG;f/ gfsfx¿af6 g]kfn leq\ofpg' kg]{5 . -s_ d]rL eG;f/ -v_

lj/f6gu/ eG;f/ -u_ jL/u+h eG;f/ -3_ e}/xjf eG;f/ -ª_ g]kfnu+h

eG;f/ -r_ wgu9L eG;f/ -5_ jL/u+h ;'Vvf jGb/ufx eG;f/ .

t/, sf]nsfQf jGb/ufx eP/ t];|f] d'n'saf6 cfpg] / /]n dfk{mt 9'jfgL x'g]

Consignment x¿ Transhipment Modality df Electronic Cargo

Tracking System (ECTS) nufO{ 9'jfgL ug{ cfoftstf{x¿n] sf]nsfQf

jGb/ufxfdf s'g} sfuhftx¿ k]z ug'{ gkg]{ Joj:yf g]kfn ;/sf/, pBf]u

jfl0fHo tyf cfk"lt{ dGqfno dfk{mt ePsf] x'Fbf jfl0fHo a}+sx¿n] L/C

vf]Nbf, Draft/TT k7fpFbf /]n dfk{mt cfpg] Consignments sf] uGtJo

ljGb' jL/u+h -;'Vvf jGb/ufxf_ jf lj/f6gu/ x'g] u/L Joj:yf ldnfpg' kg]{5

.

ef/tLo jGb/ufxfx¿ x'Fb} t];|f] d'n'saf6 g]kfnL kfgLhxfh dfk{mt cfpg]

;fdfg tyf Transhipment Modality df Electronic Cargo

Tracking System (ECTS) nufO{ /]n dfk{mt 9'jfgL x'g] Consignment

x¿df cfoftsf] nflu g]kfnaf6 L/C vf]Nbf, Draft/TT sf dfWodaf6 /sd

k7fpFbf FOB jf Ex-Work Modality df uGtJo ljGb' jL/u+h -;'Vvf

jGb/ufxf_ jf lj/f6gu/ x'g] u/L Joj:yf ldnfpg'

3

kg]{5 . sy+sbflrt FOB Modality df cfoft ug{ g;lsg] cj:yf ePdf

cfoftstf{n] ;f]sf] cf}lrTo k'li6 ug'{kg]{5 . 9'jfgL;DaGwL ef8f tyf vr{sf]

nflu o;/L L/C vf]Nbf Freight Forwarders n] g]kfndf btf{ ePsf]

Shipping Company ;Fu Service L/C vf]Ng' kg]{5 .

-%_ ;Dk"0f{ cfoftstf{x¿n] t];|f] d'n'saf6 ef/tsf] ljzfvfktgd aGb/ufx x'Fb}

tf]lsP adf]lhd 6«s jf /]ndfu{ dfk{mt cfoft ul/g] ;Dk"0f{ j:t'x¿ lgDg

eG;f/ gfsfx¿af6 dfq g]kfn leq\ofpg' kg]{5 .

-s_ lj/f6gu/ eG;f/ -v_ aL/u~h eG;f/ -u_ e}/xjf eG;f/

-3_ g]kfnu~h eG;f/ -ª_ jL/u~h ;'Vvf aGb/ufx eG;f/ .

-^_ xjfO{ dfu{ k|of]u eO{ cfoft ul/g] ;fdfgsf] xsdf lqe'jg cGt/f{li6«o

ljdfg:yn eG;f/ sfof{noaf6 klg k|tLtkq cGtu{tsf] ;fdfg cfoft ug{

;lsg]5 .

-&_ lrlgofFF e"efu eO{ 6«s jf /]ndfu{af6 k|tLtkqdfk{mt cfoft ubf{ lgDg

eG;f/ gfsfx¿af6 ;fdfg cfoft ug'{ kg]{5 .

-s_ tftf]kfgL eG;f/, l;Gw'kfNrf]s -v_ /;'jf eG;f/, /;'jf

-*_ sf]nsftf÷xlNbof tyf ljzfvfktgd aGb/ufx x'Fb} ;fdfg cfoft ug{

vf]lnPsf k|tLtkqx¿sf] ;DalGwt aGb/ufxaf6 ;fdfg 5'6fpg] k|of]hgsf]

nflu 5'§f5'§} ljj/0f tof/ u/L o; ljefudf k]z ug{'kg]{5 .

-(_ k|tLtkq cGt/ut ef/taf6 dfn;fdfg cfoft ubf{ ;d]t eG;f/ gfsf

;DaGwL pk/f]Qm bkmf $ / % jfx]ssf cGo ;a} k|fjwfgx¿ nfu" x'g]5g .

-3_ s]Gb|Lo :t/af6 cg'udg x'g'kg]{ M

cd]l/sL 8n/ %) xhf/ jf ;f] a/fj/sf] kl/jTo{ ljb]zL d'b|f eGbf a9L /sdsf]

k|tLtkqx¿ vf]lnPsf] cj:yfdf ;DalGwt a}+ssf] s]Gb|Lo sfof{non] clgjfo{ ?kdf

cg'udg ug'{kg]{5 .

-ª_ k|tLtkqsf] /sd ;+zf]wg M

a}+sn] k|tLtkq vf]ln;s] kl5 k|tLtkqdf plNnlvt /sdsf] bz k|ltzteGbf a9L

x'g] u/L ;+zf]wg ug'{k/]df lgodfg';f/ ug'{kg]{ cGo s'/fx¿sf cltl/Qm cfˆgf] s]Gb|Lo

sfof{nosf] ;d]t :jLs[lt lng'kg]{5 . t/, ;+zf]lwt /sd cd]l/sL 8n/ Psxhf/ jf

To; a/fj/sf] cGo kl/jTo{ ljb]zL d'b|f jf ;f] eGbf sd x'g] ePdf To:tf] :jLs[lt

lng cfjZos kg]{ 5}g .

!=!=@ k|tLtkqdf ;+zf]wg

dfly bkmf !=!=! sf] v08 -s_ df plNnlvt Proforma Invoice, Indent jf Contract

Paper sf cfwf/df cfoft k|tLtkq vf]ln;s]kl5 Beneficiary / Applicant b'a}sf]

:jLs[ltdf To; k|tLtkq pk/ ;+zf]wg ug'{k/]df lgodfg';f/ ;+zf]wg ug{ ;lsg]5 .

o;/L k|tLtkq vf]Nbf jf ;+zf]wg ubf{ All Discrepancies Acceptable eGg] h:tf

Clause /fVg kfOg] 5}g .

!=!=# k|tLtkqsf] ;]6nd]G6 tyf e'QmfgL k|s[of M

-s_ cfoftstf{ (Applicant_ sf] cg'/f]wdf lgodfg';f/ vf]lng] k|tLtkq Issuing Bank n]

cfˆgf] Correspondent a}+s dfk{mt ljb]zl:yt Beneficiary sf] gfddf :jLkm\6 dfk{mt

k7fpg' kg]{5 . o;/L k7fPsf] k|tLtkq cGtu{t Beneficiary åf/f tof/ kfl/Psf k|tLtkq

4

;DaGwL sfuhftx¿ (L/C Documents) Nominated Bank af6 Issuing Bank df k|fKt

ePkl5 lgodfg';f/ To:tf sfuhftx¿ k|tLtkqsf] zt{ cg';f/ 5÷5}g hfFr u/]kl5 dfq

k|tLtkqsf] Settlement u/L e'QmfgL k|s[of cl3 a9fpg' kg]{5 .

-v_ o;/L ul/g] e'QmfgL k|s[of Reimbursement Basis df vf]lnPsf k|tLtkqdf,

Collection basis df e'QmfgL ul/g] u/L vf]lnPsf k|tLtkqdf / Usance Basis df

vf]lng] k|tLtkqdf km/s km/s x'g] ePsf]n] ;f]xL adf]lhd e'QmfgL k|s[of k"/f ug'{

kg]{5 .

-u_ k|tLtkqsf] /sd e'QmfgL ubf{ ACU cGt/utsf d'n'sx¿df -ef/t afx]s_ ACU sf]

ljBdfg Joj:yf cg';f/ ACU Mechanism cGt/ut /xL e'QmfgL ug{' kg]{5 .

-3_ ef/t tyf cGo t];|f] d'n'sdf e'QmfgL ubf{ Issuing Bank sf] ;DalGwt kl/jTo{

ljb]zL d'b|f cGt/utsf] Nostro Account af6 Nominated Bank dfk{mt

Beneficiary sf] vftfdf k7fpg] Joj:yf ug'{ kg]{5 . Beneficiary nfO{ ;f]e}m 8«fkm\6,

l6=l6 jf Wire Transfer sf] dfWodaf6 e'QmfgL ug{ kfOg] 5}g .

-ª_ Nominated Bank af6 k|fKt ePsf cfoft k|tLtkq ;DaGwL sfuhftx¿ (L/C Documents) k|tLtkqsf] ;]6nd]G6 kl5 cfoftstf{sf] ;fdfg ef/tLo jGb/ufxaf6

5'6fpg] k|of]hgsf] nflu b/kL7 u/L x:tfGt/0f ubf{ cfoftstf{sf] cfjZostf

cg';f/ p;}n] tf]s]sf] lSnol/Ë P08 km/jfl8{Ë Ph]G6sf] gfddf b/kL7 u/L

x:tfGt/0f ug{' kg]{5 .

!=!=$ lj=lj=lg=kmf/fd g+=$ hf/L ug'{ kg]{ M

-s_ k|tLtkqdfk{mt cfoft ul/Psf] ;fdfg tf]lsPsf] eG;f/ gfsfaf6 g]kfn leq\ofpgsf

nflu k|tLtkq vf]Ng] a}+sn] lj=lj=lg=kmf/fd g+=$ hf/L ug'{ kg]{5 . lj=lj=lg=kmf/fd

g+=$ sf] gd"gf o;} kl/kq;fy ;+nUg ul/Psf] 5 . pQm kmf/fdsf ;fydf a}+sn]

lgDg cg';f/sf sfuhftx¿ ;d]t k|dfl0ft u/L ;fy;fy} k7fpg' kg]{5 .

-!_ "Certified True Copy" egL 5fk nufP/ clwsf/ k|fKt clwsf/Ln] b:tvt

u/]sf] k|tLtkqsf] 5ljlrq -;+zf]wg ePsf] eP ;f] ;d]t pNn]v ePsf]_

-@_ Jofkfl/s aLhs (Commercial Invoice_

-#_ KoflsË lni6 (Packing List_ -k|tLtkqdf dfu ul/Psf] cj:yfdf dfq_

-$_ pTklQsf] k|df0fkq (Certificate of Origin) -%_ 9'jfgL ;DaGwL sfuhft (Transport Document) -^_ jLdf ;DaGwL sfuhft (Copy of Insurance Document)

-v_ lj=lj=lg=kmf/fd g+= $ tof/ ug'{ kg]{ M k|tLtkqsf] e'QmfgL÷:jLsf/ ubf{ o;}

kl/kq;fy ;+nUg gd'gf adf]lhdsf] $ k|lt lj=lj=lg= kmf=g+= $ tof/ u/L b]xfo

adf]lhd ug'{kg]{5 M

-!_ klxnf] / bf]>f] k|lt dfly !=!=$-s_ df -!_ b]lv -^_ ;Dd pNn]v ul/Psf

sfuhftx¿ ;Fu} eG;f/ sfof{nodf k7fpg] .

-@_ t];|f] k|lt o; a+}snfO{ pknAw u/fpg] .

-#_ rf}yf] k|lt sfof{no k|of]hgsf] ;DalGwt a}+sn] /fVg] .

-$_ eG;f/ sfof{nonfO{ pknJw u/fOPsf @ k|lt dWo] ! k|lt ;DalGwt eG;f/

sfof{noaf6 ;fdfg lelqPsf] k|dfl0ft eO;s]kl5 ;DalGwt a}+sdf lkmtf{

k7fpg] Joj:yf ug{'kg]{ .

-%_ o;/L k7fPsf] lj=lj=lg=kmf/fd g+=$ hf/L ePsf] ldltn] tLg dlxgf;Dd -tn

bkmf !=!=% sf] -r_ sf] -@_ df pNn]v eP afx]s_ klg eG;f/ sfof{noaf6

5

-;fdfg g]kfn lelqPsf] k|df0f :j?k_ lkmtf{ gcfPdf To:tf k|tLtkqsf]

sf/f]jf/ ug]{ cfoftstf{x¿sf] k]mxl/:t pQm tLg dlxgf ;dfKt eP kZrft\

cfpg] dlxgfsf] klxnf] ;ft lbg leq ;DalGwt a}+sn] o; a}+snfO{ pknJw

u/fpg' kg]{ .

-^_ Usance tyf Deferred Payment k|tLtkq cGt/ut x'g] cfoftsf] xsdf

klg ;DalGwt cfoftstf{n] a}+saf6 sfuhft 5'6fpFbf lj=lj=lg=kmf=g+=$ e/]/

To;df kl5 ul/g] e'QmfgL ;DaGwL s'/f pNn]v u/L eG;f/ k|of]hgsf] nflu

hf/L ug'{ kg]{ .

-&_ Usance tyf Deferred Payment k|tLtkqsf] e'QmfgL ;fdfg lelqPsf]

lglZrt ;dokl5 dfq ul/g] x'Fbf To:tf] e'QmfgLsf] xsdf lj=lj=lg=kmf=g+= $

-3_ sf] yk Joj:yf ul/Psf]n] To:tf] e'QmfgL ul/Pkl5 ;+nUg gd'gf

adf]lhdsf] lj=lj= lg=kmf=g+= $-3_ e/]/ lgoldt ?kdf o; a}+sdf k7fpg'

kg]{ .

!=!=% w/f}6L ;DaGwL Joj:yf M

-s_ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g]u/L ;a}} b]zx¿af6 -ef/t ;lxt_ dfn;fdfg cfoft

ug{ vf]lnPsf cfoft k|tLtkqdf lng'kg]{ w/f}6L ;DaGwdf b]xfo adf]lhd Joj:yf

ul/Psf] 5 . a}+sx¿n] cfoftstf{af6 w/f}6L lnFbf b]xfo adf]lhd lng ;Sg]5g\ M

-!_ cfoftstf{af6 ;f]e}m gub hDdf lnP/ .

-@_ cfoftstf{sf] lgIf]k vftf÷cf]e/ 8«fkm\6 vftf vr{ u/L .

-#_ g]kfn ;/sf/af6 hf/L ePsf /fli6«o jrtkq, /fi6« C0fkq / 6«]h/L aLn

h:tf pks/0fx¿ lwtf] /fv]/ .

-$_ g]kfn /fi6« a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx¿sf] dfGo x'g]

C0fkq tyf j08 / To:tf ;+:yfx¿sf] d'2tL /l;b lwtf] /fv]/ .

-%_ rNtL tyf art vftfsf] df}Hbft Po/dfs{ u/]/ .

-^_ cf]e/ 8«fkm\6 nufot cGo km08]8 shf{sf] lnld6 Po/ dfs{ u/]/ .

pko{'Qm lnOg] w/f}6L /sd a}+sx¿n] k|tLtkq vf]Nbf lng] u/]sf] ;'/If0f dflh{gsf]

cltl/Qm x'g]5 .

-v_ sf7df8f} pkTosfl:yt k|tLtkq sf/f]jf/ ug]{ a}+ssf s]Gb|Lo sfof{no nufot ;j}

zfvf sfof{nox¿n] o; a}+ssf] a}+lsË sfof{nodf vf]lnPsf tt\–tt\ a}+sx¿sf]

s]Gb|Lo sfof{nosf] d'Vo vftfaf6 k|tLtkqsf] w/f}6L ;DaGwL sf/f]jf/ ug'{ kg]{5 .

-u_ sf7df8f} pkTosf aflx/sf a}+s zfvf÷sfof{nox¿n] cf–cfˆgf] If]ql:yt o; a}+ +ssf

sfof{nox¿df vf]n]sf d'Vo vftfaf6} k|tLtkqsf] w/f}6L ;DaGwL sf/f]jf/ ug'{kg]{5 .

-3_ k|tLtkq sf/f]jf/ ug]{ a}+ssf sfof{nox¿nfO{ cflwsfl/s dfusf cfwf/df o;

a+}ssf] ;DalGwt sfof{noaf6 5'6[f 5'6[} r]sa's pknJw u/fOg]5 .

-ª_ pBf]ux¿n] k|tLtkq dfk{mt\ ug]{ cfoftsf] xsdf Nominated Bank af6

k|tLtkqsf sfuhftx¿ k|fKt ePkl5 k|tLtkqsf sfuhftdf plNnlvt /sdsf] @ -

b'O{_ k|ltzt /sd w/f}6L afkt lng' kg]{5 . o;/L w/f}6L lnP/ dfq lj=lj=lg=kmf=g+=$

hf/L ug'{ kg]{5 . Sight/ Usance/ Deferred Payment h'g;'s} k|sf/sf] k|tLtkq

ePtfklg olx Joj:yf nfu' x'g]5 . cfoftstf{ pBf]un] rfx]df pQm w/f}6L /sd

a/fa/sf] Psf06k]oL r]s k|tLtkqdf pNn]v ul/Psf] eG;f/ sfof{nosf] gfddf hf/L

ug{ ;lsg]5 . o;/L hf/L ePsf] r]s dfly bkmf !=!=% sf] -v_ / -u_ df Joj:yf

6

eP adf]lhdsf vftfaf6 vr{ ug'{ kg]{5 . t/ lgDg sfuhft ;+nUg eO{ cfPsf]

cj:yfdf eg] w/f}6L lng gkg]{ Joj:yf ul/Psf] 5 .

-!_ g]kfn ;/sf/ eG;f/ ljefun] ;DalGwt cfoftstf{sf] gfddf hf/L u/]sf]

j08]8 j]o/xfp;sf] k|df0fkq . -To:tf] k|df0fkqsf] Dofb u'h|]sf] cj:yfdf

gjLs/0f ul/Psf] x'g'kg]{ 5 _ .

-@_ cfoft u/]sf] dfn;fdfg 5'6fpg g]kfn ;/sf/sf] ;DalGwt eG;f/

sfof{nosf] gfddf hf/L ul/Psf] a}+s Uof/]06Lsf] k|ltlnlk .

-r_ Jofkfl/s kmd{åf/f k|tLtkqdfk{mt ul/g] cfoftsf] xsdf k|tLtkq cGtu{t e'QmfgL

k7fpg' cl3 k|tLtkq /sd -8s'd]G6 Eofn'_ sf] !) k|ltzt /sd w/f}6Lsf] ?kdf

lnP/ dfq lj=lj=lg=kmf=g+=$ hf/L ug'{kg]{5 . t/, Jofkfl/s kmd{af6 lnOg]

o;k|sf/sf] w/f}6L lng] ;do eg] k|tLtkqdf plNnlvt e'QmfgLsf] zt{ -Payment

terms_ cg';f/ km/s kg{ ;Sg]5 .

-!_ k|tLtkq cGtu{t s'g} Document Collection sf] cfwf/df k|fKt x'g cfPdf

jf Negotiate eO{ cfPdf ;d]t k|tLtkq hf/L ug]{ a}+sn] Document k|fKt

ePkl5 sfuhft 5'6fpg] -Document Release) avtdf /sd e'QmfgL ug{'

cl3 Document Value sf] !) -bz_ k|ltzt w/f}6Lsf] ?kdf lnO{

lj=lj=lg=kmf=g+=$ hf/L ug'{ kg]{5 .

-@_ k|tLtkqdf e'QmfgLsf zt{x¿ T.T.Reimbursement basis ePsf] v08df

k|tLtkq hf/L ug'{eGbf klxnf g} k|tLtkqdf plNnlvt /sdsf] (Tolerance ePdf ;f] ;d]t_ !) k|ltzt w/f}6L /sd lnP/ dfq k|tLtkq hf/L ug'{ kg]{5

/ lj=lj=lg=kmf=g+=$ klg hf/L ug'{ kg]{5 . o;/L hf/L ePsf lj=lj=lg=kmf=g+=$

;DalGwt eG;f/ sfof{noaf6 k|dfl0ft eO{ a}+sdf a'emfpg' kg]{ Dofb !@)

lbg sfod x'g]5 .

-#_ dfly bkmf !=!=% sf] -r_ sf] -!_ / -@_ cg';f/ lnPsf !) k|ltzt w/f}6L

/sd cfoftstf{n] rfx]df k|tLtkqdf plNnlvt eG;f/ sfof{nosf gfddf

Psfp06k]oL r]s dfly v08 !=!=% sf] -v_ / -u_ df Joj:yf ePsf

vftfx¿af6 vr{ x'g] u/L hf/L ug'{ kg]{5 .

-$_ o;/L hf/L ul/Psf] k|To]s r]ssf] k5fl8 b]xfo adf]lhdsf s'/fx¿ k|i6?kdf

pNn]v ug'{ kg]{5 .

-c_ k|tLtkq gDj/

-cf_ cfoftstf{sf] gfd

-O_ Jofkfl/s aLhs gDj/

-O{_ aLhsdf plNnlvt ljb]zL d'b|f /sd

-p_ lgof{tstf{sf] gfd

-pm_ lj=lj=lg=kmf=g+=$ sf] l;l/on g+=

pko{'Qmfg';f/ cfoftstf{n] a'emfpg' kg]{ eG;f/ dxz'n nufot cGo /fh:j

/sdsf] k|of]hgsf] nflu ;d]t pQm r]ssf] /sd k|of]u ug{ ;lsg]5 .

-5_ dfly bkmf !=!=% sf] -ª_ / -r_ df h'g;'s} s'/f n]lvPsf] ePtfklg ;DalGwt a}+sn]

Complying Presentation sf] cfwf/df plNnlvt Dofbleq e'QmfgL u/]kZrft\

cfoftstf{n] Document 5'6fpg gcfPsf] jf cfoftstf{n] a}+snfO{ e'QmfgL lbO{

g;s]sf] cj:yfdf klg lj=lj=lg= kmf=g+=$ clgjfo{?kn] hf/L ug'{ kg]{5 .

7

-h_ pko{'Qm cg';f/ hf/L ePsf w/f}6L /sdsf r]sx¿ ;DalGwt eG;f/ sfof{no dfk{mt

o; a}+ssf] a}lsË sfof{no, yfkfynL nufot pkTosf aflx/sf sfof{nox¿df k|fKt

ePkl5 tL r]sx¿ -tn bkmf -`_ cg'?k l/t gk'u]sf ;d]t_ cfˆg} sfof{nodf /x]sf]

vftfsf] eP ;f]xL vftf vr{ u/L / cGo sfof{nosf] eP aLn v/Lbsf dfWodaf6

eG;f/ sfof{nonfO{ tTsfn e'QmfgL lbO{ k|rlnt Joj:yf adf]lhd lx;fj ldnfg ug'{

kg]{5 .

-em_ eG;f/ sfof{nosf] gfddf r]s hf/L u/] kl5 ;DalGwt a}+sn] o; a}+ssf] a}lsË

sfof{no jf lhNnfl:yt sfof{nodf /x]sf d'Vo vftfdf kof{Kt /sd /fVg' kb{5 .

eG;f/af6 k|fKt r]sx¿ afkt vr{ n]Vbf syd\sbflrt vftfdf kof{Kt df}Hbft

gePdf gk'u /sddf ?=!,))).– jf a}+sb/ + @ k|ltztsf b/n] nufOg] JofhdWo]

h'g a9L x'G5 ;f] /sd xhf{gf nufOg] 5 .

-`_ eG;f/ sfof{nosf gfddf hf/L ul/g] o:tf r]sx¿df Protectograph, ldlt, hf/L

ug]{ a}+ssf] gfd, 7]ufgf nufot r]s tof/ ubf{ lgodfg';f/sf ;a} /Lt k'¥ofO{ hf/L

ug'{ kg]{5 . syd\sbflrt /Lt gk'¥ofO{ hf/L ePsf] cj:yf b]lvPdf h] h:tf]

cj:yfsf] ePklg ;DalGwt a}+ssf] vftf vr{ u/L eG;f/ sfof{nonfO{ e'QmfgL lbg]

Joj:yf ug'{ kg]{ ePsf]n] o;af6 kg{ hfg] gsf/fTds k|efjsf] lhDd]jf/L r]s hf/L

ug]{ ;DalGwt a}+ss} x'g]5 . ;fy}, s'g} a}+sn] o:tf] r]s hf/L ubf{ plNnlvt /Lt

gk'¥ofPsf] cj:yfdf /Lt gk'u]sf] k|To]s r]ssf] nflu ?=%)).– sf b/n] xhf{gf

nufOg]5 .

-6_ olb s'g} cfofltt dfn;fdfgdf nfUg] ;Dk"0f{ eG;f/ dx;"n cfofltt j:t'sf]

d"Nosf] !) -bz_ k|ltzt eGbf sd ePsf] sf/0f !) -bz_ k|ltzt a/fj/ /sdsf]

r]s hf/L ug{ pko'Qm gx'g] Joxf]/fsf] lgj]bg cfoftstf{af6 k|fKt ePdf pQm

lgj]bgdf pNn]v u/] cg';f/sf] k|ltztn] x'g] /sd j/fj/sf] r]s hf/L ug]{ / afFsL

/sd w/f}6Lsf] ¿kdf lnO{ lj=lj=lg=kmf=g+=$ hf/L ug'{kg]{5 . pko'{Qm w/f}6L /sd

;DalGwt a}+sn] lkmtf{ lbg ;Sg]5 . o:tf] /sd lkmtf{ lbg'cl3 ;DalGwt a}+sn]

b]xfosf sfuhftx¿ k|fKt u/]sf] x'g'kg]{ 5 M

-!_ eG;f/ sfof{noaf6 b/kL7 eO{ cfPsf] lj=lj=lg=kmf=g+=$ sf] ;Ssn k|lt

-@_ k|1fkgkqsf] k|ltlnlk

-#_ /fh:j lt/]sf] /l;b

syd\sbflrt w/f}6L afktsf] r]sx¿ /2 ug'{ k/]df lgDg sfuhft x]/L hfFrL

;DalGwt a}+s cfk}mn] /2 ug{ ;Sg]5 .

-c_ cfoft eG;f/ k|1fkgkq .

-cf_ /fh:j afkt /sd a'emfPsf] lg:;f .

-O_ ;DalGwt eG;f/ sfof{noaf6 k|dfl0ft eO{ cfPsf] lj=lj=lg=kmf=g+=$

-7_ Jofkfl/s kmd{ / cf}Bf]lus kmd{ afx]s lgDg k|tLtkqx¿df dfly pNn]v eP

adf]lhd w/f}6L lng' gkg]{ Joj:yf ul/Psf] 5 .

-!_ kl/jTo{ ljb]zL d'b|fdf vftf ePsf vftfjfnfn] ;f] vftf vr{ x'g] u/L

vf]n]sf k|tLtkqx¿

-@_ s'6gLlts ;'ljwf k|fKt lgsfon] vf]n]sf k|tLtkqx¿

-#_ g]kfn ;/sf/ jf g]kfn ;/sf/sf] k"0f{ :jfldTj k|fKt ;+:yfgx¿n] vf]n]sf

k|tLtkqx¿

8

-$_ ljb]zL C0f, ;xof]u / ;xfotf cGtu{t ljb]zaf6} zf]wegf{

(Reimbursement) x'g] u/L vf]lnPsf k|tLtkqx¿

-8_ k|tLtkq vf]Ng] a}+ssf] zfvf sfof{noaf6 hf/L eO;s]sf] lj=lj=lg=kmf=g+=$ lgwf{l/t

;doleq lkmtf{ cfP÷gcfPsf] / w/f}6L afkt hf/L r]sx¿ e'QmfgL eP÷gePsf] af/]

;DalGwt sfof{non] lgoldt ¿kn] cg'udg ug'{kg]{5 . syd\sbflrt, r]s hf/L

ePsf] ldltn] a9Ldf () -gJj]_ lbgleq -dfly !=!=% sf] v08 -r_ sf] -@_ df

pNn]v ePsf] xsdf !@) lbgleq_ klg s'g} r]ssf] e'QmfgL gePsf] b]lvg cfPdf

To:tf r]s ;DaGwL ;Dk"0f{ ljj/0f pQm () cyjf !@) lbgsf] Dofb ;dfKt eP

kZrft\ cfpg] dlxgfsf] klxnf] ;ft lbgleq o; ljefunfO{ hfgsf/L u/fpg' kg]{5 .

o; ;DaGwL tf]lsPsf s'g} kmf/fd lgwf{l/t ;doleq gcfPdf ;f]sf] hfgsf/L ;d]t

o; ljefunfO{ lbg'kg]{5 .

-9_ eG;f/ sfof{nosf] gfddf hf/L ul/Psf w/f}6L afktsf r]s Dofbleq k|of]u x'g

g;sL Dofb yk ug{ cfPdf ;DalGwt a}+s cfk}mn] To:tf r]ssf] Dofb yk ug{ ;Sg]

cyjf pQm r]ssf] ;Ssn g} lkmtf{ lnO{ ;f]sf] ;§fdf gofF r]s hf/L ug{ ;d]t

;lsg]5 .

-0f_ k|tLtkq gvf]nL 8«fkm\6÷l6=l6=÷DAP/DAA sf] dfWodaf6 cfoft ubf{ lnOg] @

k|ltzt, !) k|ltzt cyjf !% k|ltzt w/f}6Lsf] ;DaGwdf klg r]s ;DaGwL dfly

plNnlvt Joj:yf nfu' x'g]5 . r]ssf] k5fl8 ljj/0f ebf{ k|tLtkq gDa/sf] ;§f

Draft /T.T. Reference/DAP/DAA gDa/ pNn]v ug'{kg]{5 .

-t_ s'g} klg cfoft k|tLtkqsf] nflu :yfoL ;Ldf (Permanent Limit) :jLs[t u/fO{

sf/f]jf/ ug]{ pBf]uL÷Joj;foLn] rfx]df cfjZos w/f}6L a/fa/sf] /sd :jLs[t

sf]ifdf cfwfl/t ;Ldf (Funded Limit) nfO{ dfls{Ë u/]/ klg lj=lj=lg=kmf=g+=$ hf/L

ug{ ;Sg]5g\ .

-y_ /f;folgs dnsf] cfoftdf lghL If]qnfO{ ;d]t ;xeflutf u/fpg] Joj:yf ePsf]n]

;f] k|of]hgsf] nflu /f;folgs dnsf] Specification cg';f/ cfoft k|tLtkq

vf]Ng'kg]{ 5 / ;f] k|tLtkqsf] ! -Ps_ k|lt g]kfn ;/sf/, s[lif tyf kz'kG5L ljsf;

dGqfnodf k7fpg' kg]{5 . s'g} cfoftstf{n] k|tLtkq dfk{mt /f;folgs dn cfoft

ug{ rfx]df ;DalGwt a}+s cfk}mn] b]xfo adf]lhd k|rlnt Joj:yf cGtu{t /xL

k|tLtkq vf]Ng ;lsg]5 .

-!_ /f;folgs dnsf] cfoft d"Nosf] @ k|ltztn] x'g] /sd a/fa/sf] gub jf

artkq jf ljsf; C0fkq jf ;DalGwt a}+snfO{ dfGo x'g] ;'/If0fkq

w/f}6Lsf] ¿kdf /fvL k|tLtkq vf]Ng ;lsg]5 .

-@_ /f;folgs dnsf] cfoft k|tLtkq vf]ln;s]kl5 k|tLtkq /sd a/fa/sf] dn

cfoft gePdf ;DalGwt a}+sn] To:tf ;'/If0fkq /f]Ssf u/L & -;ft_ sfo{

lbgleq o; ljefunfO{ clgjfo{¿kdf hfgsf/L u/fpg'kg]{ .

-#_ a}+s Uof/]G6Lsf] cfwf/df /f;folgs dn cfoft ug'{k/]df eg] o; a}+ssf]

:jLs[lt clgjfo{ ?kdf lng'kg]{ 5 .

!=!=^ cfoft k|tLtkq ;DaGwL cGo clgjfo{ Joj:yfx¿ M

-s_ k|tLtkq vf]n]sf] ldlteGbf cl3 9'jfgLstf{ (Transporter) af6 hf/L ePsf] 9'jfgL

;DaGwL sfuhft (Transport Documents) sf] cfwf/df a}+sn] k|tLtkqsf] e'QmfgL

lbg tyf ;f] k|tLtkq;Fu ;DalGwt cGo sfdsf/jfxL ug'{k/]df Uniform Customs &

Practice for Documentary Credit UCP 600 cGtu{t /xL cfoft ul/g] ;fdfg

9

eG;f/ laGb'df cfO{ k'lug;s]sf] egL ;DalGwt cfoftstf{n] :j3f]if0ff u/]sf]

sfuhft ;lxt k|tLtkq ;+zf]wg ul/lbg lgj]bg u/]df ;f] adf]lhd ;+zf]wg ug{

;lsg]5 . ef/taf6 ;fdfg 9'jfgL x'g] u/L vf]lnPsf] k|tLtkqsf] xsdf To:tf]

Declaration cfjZos kg]{ 5}g .

-v_ bkmf !=!=^ sf] -s_ df plNnlvt 9'jfgL ;DaGwL sfuhft (Transport Document)

hf/L ePsf] ldlteGbf $% -k}+tfnL;_ lbg kl5 ;DalGwt a}+sdf k|fKt x'g cfPdf

To:tf k|tLtkqsf] 5'§} ljj/0f dfl;s ¿kdf o; ljefudf k7fpg' kg]{5 .

-u_ eG;f/ sfof{noaf6 lj=lj=lg=kmf=g+=$ k|fKt ePkl5 ;DalGwt a}+sn] eG;f/ /l;bsf]

kmf]6f]skL ;Ssn /l;b;Fu le8fO{ k|dfl0ft u/L /fVg' kg]{5 .

-3_ cfoftstf{n] a}+s;Fu k|tLtkq ;DaGwL sf/f]jf/ ubf{ ;DalGwt kmd{ jf sDkgLsf]

gfddf vf]lnPsf] vftfaf6 dfq ug'{ kg]{5 . kmd{ jf sDkgLsf] gfddf vftf vf]Nbf

;DalGwt kmd{ jf sDkgLsf] clwsf/k|fKt clwsf/L :jo+ pkl:yt eO{ u/]sf] b:tvt

;DalGwt a}+ssf clws[taf6 ;gfvt u/L k|dfl0ft ug'{ kg]{5 .

-ª_ vftf vf]Nbf cfjZos kg]{ sfuhftsf k|ltlnlkx¿ ;DalGwt a}+ssf] clws[tn]

;Ssn sfuhft x]/L k|dfl0ft ug'{kg]{5 .

-r_ k|tLtkq vf]Ngsf] nflu cfjZos kg]{ lgDg sfuhftsf k|ltlnlkx¿ k|To]s cfly{s

jif{df Psk6s ;DalGwt a}+ssf clws[tn] ;Ssn x]/L k|dfl0ft u/L kmfOndf

;'/lIft /fVg'kg]{5 .

-!_ cBfjlws ePsf] kmd{sf] btf{ k|df0fkq jf sDkgL btf{ k|df0fkq

-@_ cfos/ btf{ k|df0fkq

-#_ kmd{÷sDkgLsf ;~rfnsx¿sf] gful/stfsf] k|df0fkq÷/fxbfgL

-$_ clwsf/k|fKt JolQmsf] gful/stfsf] k|df0fkq÷/fxbfgL

-5_ a}+sdf k|tLtkq vf]Ng] kmd{ jf sDkgLn] cfˆgf] tkm{af6 sfd ug{ s;}nfO{ clVtof/L

lbFbf kmd{ jf sDkgLsf k|f]k|fO6/ jf ;+rfns jf sfo{sf/L k|d'v h:tf cflwsfl/s

JolQm :jo+ pkl:yt eO{ ;xL u/L clVtof/L lbg] / clVtof/L kfpg] JolQmsf]

af:tljs klxrfg -gfd, y/, 7]ufgf, lgh;Fusf] ;DaGw, 6]lnkmf]g gDa/, Fax gDa/ tyf gful/stfsf] k|dfl0ft k|ltlnlk_ a}+snfO{ pknJw u/fpg' kg]{5 . t/, g]kfn

;/sf/, g]kfn ;/sf/sf] :jfldTj /x]sf] ;+:yf jf klAns lnld6]8 sDkgLsf] xsdf

clwsf/ k|fKt clwsf/Ln] k|dfl0ft u/]sf] clVtof/L eP k'Ug] ePsf]n] of] bkmf / bkmf

!=!=^ sf] -3_ nfu' x'g] 5}g .

-h_ dfly bkmf !=!=^ sf] -5_ adf]lhd clVtof/L lb+bf clVtof/L kfpg] JolQmn] u/]sf]

sfd sf/jfxLsf] ;Dk"0f{ lhDd]jf/L clVtof/L lbg] JolQm÷kbflwsf/L ;d]tsf] x'g]

Joxf]/fsf] lnvt u/fpg' kg]{5 .

-em_ ;DalGwt a}+sn] k|rlnt lgb]{zgsf] cwLgdf /xL c¿ s;}sf] hdfgtdf k|tLtkq

vf]Nbf k|tLtkqdf plNnlvt ;fdfg cfoft geO{ ljb]zL d'b|f ckrng ePdf jf

/fh:j r'xfj6 ePdf k|tLtkq vf]Ng] lgj]bg;Fu} To:tf] hdfgL lbg] JolQm kmd{ jf

sDkgL ;d]t k"0f{ lhDd]jf/L x'g] Joxf]/fsf] sfuh u/fpg' kg]{5 .

-`_ ;DalGwt eG;f/ sfof{noaf6 lkmtf{ k|fKt ePsf] lj=lj=lg=kmf=g+=$ sf] k|dfl0fstf

osLg ug{ eG;f/ clws[tx¿sf] cBfjlws b:tvt gd"gf eG;f/ sfof{non]

clgjfo{ ¿kdf a}+sx¿nfO{ pknAw u/fpg' kg]{5 .

10

-6_ a}+sn] hf/L ug]{ lj=lj=lg=kmf=g+=$ sf] k|dfl0fstf osLg ug{ a}+ssf clws[tx¿sf]

cBfjlws b:tvt gd"gf a}+sn] eG;f/ sfof{nox¿df clgjfo{¿kdf pknAw u/fpg'

kg]{5 .

-7_ lj=lj=lg=kmf=g+=$ nufot k|dfl0ft ug'{kg]{ ;a} sfuhft k|dfl0ft ubf{ ;DalGwt

clws[tsf] b:tvt gd"gf cg'¿ks} b:tvt u/L k|dfl0ft ug'{ kg]{5 .

-8_ lj=lj=lg=kmf=g+=$ hf/L ubf{ / lkmtf{ k7fpFbf lgDgfg';f/sf] Joj:yf ug'{ kg]{5 M

-!_ a}+s / eG;f/aLr sfuhft cfbfg k|bfg ubf{ lzn -nfxf_ 5fk k|of]u ug'{

kg]{5 .

-@_ a}+sn] lj=lj=lg=kmf=g+=$ hf/L ubf{ k|To]s eG;f/ laGb'lkR5] cnucnu kmfOn

v8f u/L ;f]xL kmfOnaf6 l;nl;nf ldnfO{ l;l/on gDa/ /fVg' kg]{5 .

-#_ eG;f/ sfof{non] klg lj=lj=lg=kmf=g+=$ k|dfl0ft u/L a}+sdf k7fpFbf a}+ssf]

zfvf cg';f/ cnu cnu kmfOn v8f u/L ;f]xL kmfOnaf6 l;nl;nf ldnfO{

l;l/on gDa/ /fVg' kg]{5 .

-$_ eG;f/ sfof{non] dfly v08 8-#_ cg';f/ /flvPsf] clen]vsf] k|ltlnlk

!%÷!% lbgdf ;DalGwt a}+ssf] zfvfdf clgjfo{¿kn] k7fpg' kg]{5 .

-%_ eG;f/ sfof{noaf6 clen]v k|fKt ePkl5 ;DalGwt a}+sn] cfˆgf] clen]v

-l;l/on gDa/ / /sd_ ;Fu le8fpg' kg]{5 / gle8]df clanDa ;f]sf]

hfgsf/L o; a}}+snfO{ lbg' kg]{5 .

-9_ ;DalGwt a}+sn] d"nk|ltsf] cefjdf k|ltlnlk sfuhft (Copy Document) sf]

cfwf/df lj=lj=lg=kmf=g+=$ hf/L ug'{kg]{ ePdf cfoftstf{af6 k|tLtkqdf plNnlvt

;Dk"0f{ sfuhftsf] k|ltlnlk k|fKt u/L ltgnfO{ k|tLtkq;Fu Cross Verfify u/L

plrt nfu]df To:tf sfuhftdf b/kL7 u/L cfofltt j:t'sf] d"No j/fj/sf] /sd

lnP/ dfq lj=lj=lg= kmf=g+= $ hf/L ug'{kg]{ 5 . lgof{tstf{nfO{ e'QmfgL k7fpFbf eg]

lgof{tstf{sf] a}+saf6 k|fKt cflwsfl/s sfuhftx¿sf] cfwf/df dfq k7fpg

kfOg]5 . kl5 e'Qmfg x'g] u/L vf]lnPsf] k|tLtkq (Usance L/C) sf] xsdf eg]

cfofltt dfn;fdfg sf] d"No a/fa/sf] /sd lng'kg]{ Joj:yf nfu' x'g] 5}g .

-0f_ Copy Document sf] cfwf/df lj=lj=lg=kmf=g+=$ hf/L ePsf] ldltn] $% lbgleq

Original Document k]z e};Sg' kg]{5 . cGoyf ;f]xL cfoftstf{nfO{ k'gM Copy

Document sf] cfwf/df lj=lj=lg=kmf=g+=$ hf/L ug{ ldNg] 5}g . o:tf] Dofb leq

Original Document k]z gePsf] cj:yfdf pQm Dofb gf3]sf] !% lbgleq o;

a}+snfO{ hfgsf/L u/fpg' kg]{5 .

-t_ Original Document k|fKt ePkl5 Copy Document ;Fu ?h' -Verify) ug'{kg]{ /

syd\sbflrt\ km/s ePsf] kfOPdf Original Document k|fKt u/]sf] ldltsf] !%

lbgleq To:tf ljifox¿ o; a}+snfO{ hfgsf/L u/fpg' kg]{ 5 .

-y_ ;fdfGotof Red Clause /fvL k|tLtkq vf]Ng kfOg] 5}g . t/, cfˆg} kl/jTo{ ljb]zL

d'b|f vftf /x]sf cfoftstf{n] k|tLtkqsf] dfWodaf6 a:t' ;Fu;Fu} ;]jf klg cfoft

ug{' kg]{ cj:yfdf To:tf] kl/jTo{ ljb]zL d'b|fsf] vftfdf /x]sf] df}Hbftaf6 clu|d

e'StfgL k7fpg ;Sg]5g\ . o;/L cfoft ul/g] ;]jfsf] c+z eg] s'n k|tLtkq d"Nosf]

!) k|ltzt eGbf a9L x'g''x'g] 5}g . o:tf] cj:yfdf ;DalGwt a}+sn] e'QmfgL eP

cg'¿ksf] j:t'÷;]jf cfoft eP÷gePsf] af/]df clgjfo{ ¿kdf cg'udg ug'{kg]{5 /

syd\sbflrt tf]lsPsf] ;doleq pQm j:t'÷;]jf cfoft ePsf] gkfOPdf clgjfo{

¿kdf o; ljefunfO{ hfgsf/L lbg'kg]{5 . t/, ;]jf cfoft ubf{ cf}lrTotfsf]

11

cfwf/df s'n ;]jf cfoftsf] a9Ldf !) k|ltzt;Dd clu|d e'QmfgL k7fpg ;lsg]5

.

-b_ dfly pNn]v ePsf] cj:yf afx]s dfn j:t' cfoft ug{ k|rlnt Joj:yf adf]lhd

vf]lnPsf k|tLtkq cGtu{t clu|d e'QmfgL k7fpg'k/]sf] v08df b]xfodf plNnlvt

zt{x¿sf] cwLgdf /xL To:tf] clu|d e'QmfgL k7fpg ;lsg] 5 .

-!_ To:tf] clu|d e'QmfgL ug'{ k/]df ;fdfGotof Beneficiary sf] tk{maf6 e'QmfgL

k7fOg] /sd a/fj/sf] a}+s Uof/]06L pknJw u/fpg' kg]{5 .

-@_ syd\sbflrt Beneficiary n] To:tf] a}+s Uof/]06L pknJw u/fpg g;Sg]

cj:yf ePdf k|rlnt Joj:yf adf]lhd l6=l6 sf] ;Ldf;Ddsf] /sd clu|d

e'StfgL k7fpg ;lsg]5 . t/ ;f] ;LdfeGbf a9L] /sd k7fpg' kg]{ ePdf L/C

Value sf] yk !) -bz_ k|ltzt w/f}6L lnO{ a9Ldf L/C Value sf] %)

k|ltzt;Dd k7fpg ;lsg]5 .

-#_ sfd ;DkGg ePsf] k|df0fsf] cfwf/df 8«fkm\6, l6=l6= / k|tLtkq hf/L ug]{

a}+sn] g} o:tf] w/f}6L /sd k'ms'jf ug{ ;Sg]5 .

-$_ sfd ;DkGg ePsf] lg:;f k]z ug'{kg]{ ;dofjlw a9Ldf ^ -5_ dlxgf sfod

ug{'kg]{5 . t/, hnljB't nufotsf lgdf{0f ;DkGg ug{ nfdf] ;do nfUg]

kl/of]hgfx¿sf xsdf eg] o:tf] lg:;f k]z ug{] ;dofjwL ^ dlxgf eGbf

a9L nfUg] cj:yf b]lvPdf ;f] cjlw a}+sx¿ cfk}mn] lgwf{/0f ug{ ;Sg]5g\ .

-%_ tf]lsPsf] ;dofjlwleq sfd ;DkGg u/L ;f]sf] lg:;f k]z gu/]sf] v08df

pQm sfo{af6 ljb]zL d'b|f ckrng ePsf] dflgg] 5 . o:tf] cj:yfdf

k|tLtkq hf/L ug]{ a}+sn] To:tf] k|tLtkq ;DaGwL ljj/0f pQm Dofb ;dfKt

eP kZrft\ cfpg] dlxgfsf] klxnf] & -;ft_ lbgleq o; ljefunfO{ hfgsf/L

u/fpg' kg]{5 . o; ;DaGwL yk sf/jfxL k|rlnt sfg"g adf]lhd ul/g] 5 .

-^_ pko{'Qm adf]lhdsf] Joj:yf afx]s cGo cj:yf l;h{gf ePdf o; ljefusf]

:jLs[lt lng'kg]{5 .

-w_ sDkgL afx]s cGo kmd{sf] xsdf btf{ k|df0fkqdf plNnlvt k'FhLsf] @) -aL;_

u'0ffeGbf a9L /sdsf] k|tLtkq bfloTj afFsL /xg] u/L k|tLtkq vf]Ng kfOg] 5}g .

-g_ cfofltt dfn;fdfgsf] pTklQsf] k|df0fkq (Certificate of Origin) r]Da/ ckm sd;{,

;/sf/L sfof{no, ;DalGwt ;+3 ;+:yf h:tf clwsf/ k|fKt ;DalGwt lgsfoaf6

hf/L ePsf] x'g'kg]{ 5 . t/, cfoftstf{n] dGh'/L u/]df lgof{tstf{n] hf/L u/]sf]

pTklQsf] k|df0fkq (Certificate of Origin) klg dfGo x'g]5 .

-k_ a}+sn] s'g} kmd{÷sDkgL;Fu klxnf] k6s k|tLtkq sf/f]jf/ ubf{ To:tf] kmd{sf]

Jofkfl/s x}l;ot, cg'ej, kmd{ jf sfof{no /x]sf] :yfg, kmf]g gDa/, k\mofS; (Fax) gDa/, lx:;]bf/x¿ tyf ;~rfnsx¿sf] ljZj;lgotfsf] ;DaGwdf lj:t[t hfgsf/L

lnP/ dfq sf/f]jf/ ug'{ kg]{5 .

-km_ k|To]s a}+sn] k|tLtkq sf/f]jf/ ug]{ cfˆgf sfof{nox¿sf] jflif{s ?kdf cfly{s jif{

;dfKt ePsf] () lbg leqdf cfGtl/s n]vf k/LIf0f u/L ;f]sf] k|ltj]bg o;

ljefudf k7fpg' kg]{5 .

-a_ cfoft x'g] dfn;fdfgx¿ -h:t}M cf}Bf]lus kmd{÷sDkgLx¿n] cfoft ug]{ d]lzg/L

tyf cf}hf/x¿ cflb_ sf] ;"rL nfdf] ePsf] sf/0fn] ;Dk"0f{ j:t'x¿ k|tLtkqdf

v'nfpg Jojxfl/s b[li6sf]0fn] g;lsg] ePdf k|rlnt Joj:yf cg';f/ pQm

k|tLtkq;Fu ;DalGwt lj=lj=lg=kmf=g+=# Pjd\ k|tLtkqsf] ljj/0f ;DalGwt lgsfodf

12

k7fpFbf clgjfo{ ¿kn] h'g Proforma Invoice sf] cfwf/df k|tLtkq vf]lnPsf] xf]

;f] Proforma Invoice df ;DalGwt a}+sn] cfk"mn] vf]n]sf] k|tLtkq gDa/ ;d]t

pNn]v u/L pQm Proforma Invoice sf] k|dfl0ft k|lt ;+nUg ug'{kg]{5 .

-e_ o; ;DaGwdf xfdf]{lgs sf]8 gDa/ pNn]v ubf{ g]kfn ;/sf/, eG;f/ ljefun]

k|sflzt ug{] eG;f/ dxz'n b/aGbL lstfadf pNn]v u/] cg'?ksf] sf]8 g+=

clgjfo{¿kn] pNn]v ug'{kg]{5 . pko'{Qm sf]8 g+= clgjfo{ ¿kn] Proforma Invoice df g} pNn]v ePsf] x'g'kg]{ tyf k|tLtkqdf ;d]t pNn]v ug'{kg]{5 .

-d_ t];|f] d'n'ssf] a}+saf6 Advise x'g] u/L vf]lnPsf] k|tLtkq dfkm{t ef/taf6 ;fdfg

Shipment ug{ tyf To:tf] cfoftsf] e'QmfgL ef/tdf ug{ kfOg] 5}g . t/ ax'/fli6«o

sDkgLx¿sf] ef/tl:yt sfof{nosf] gfddf k|rlnt Joj:yf cGt/ut k|tLtkq

vf]nL t];|f] d'n'sdf lgld{t j:t'x¿ t];|f] d'n'saf6 Shipment ePsf] cfwf/df x'g]

cfoftsf] e'QmfgL ef/tdf ;d]t kl/jTo{ ljb]zL d'b|fdf ug{ ;lsg]5 .

-o_ Transferable L/C cGtu{t h'g kf6L{sf] gfddf L/C nfO{ Transfer ul/g] xf] pQm

kf6L{sf] gfd L/C df :ki6 pNn]v ug'{ kg]{ 5 . ;fy} cd]l/sg 8n/ %) -krf;_

xhf/ jf ;f] eGbf a9L d"Nosf] Transferable L/C sf] xsdf Transferee Party sf] tn

!=!=!! df pNn]v eP cg';f/sf] ;Gtf]ifhgs Jofkfl/s ;fv ;"rgf -Business

Credibility Information Report_ lnP/ dfq L/C vf]Ng cyjf ;+zf]wg ug{ kfOg]5 .

-/_ s'g} cfof]hgf ljz]ifsf] lgldQ b'O{ jf b'O{ eGbf a9L kmd{ cyjf sDkgL ldn]/ Joint

Venture (J/V) :yfkgf u/]sf] cj:yfdf pQm J/V g]kfn ;/sf/sf] s'g} cflwsfl/s

lgsfodf btf{ x'g'kg]{ clgjfo{ Joj:yf gePsf] oyfy{nfO{ dWogh/ /fVb} To:tf] J/V

n] cfof]hgfsf] lgldQ k|tLtkq vf]Ng cg'/f]w u/]df pQm J/V sf] J/V Agreement,

:yfoL n]vf gDa/ -PAN) k|df0fkq, pQm J/V df ;fd]n ePsf kmd{ cyjf

sDkgLx¿sf] dfly bkmf !=!=! sf] -s_ cg';f/sf sfuhft 5'§f 5'§} lnO{ tyf

cfof]hgfsf] s/f/ ;DaGwL sfuhft ;d]t k]z ug{ nufO{ k|tLtkq vf]Ng ;lsg] 5 .

-n_ FOB/FCA/EXW/FAS h:tf Incoterms sf] cfwf/df k|tLtkq vf]lnPsf] cj:yfdf

ljb]zl:yt sDkgLaf6 9'jfgL Joj:yf u/fO{ cfoftstf{n] Freight vr{ afkt

ef/tafx]s cGo d'n'sdf e'QmfgL ug{ cg'/f]w u/]df e'QmfgL ug'{ kg]{ kIfsf]

cflwsfl/s lgj]bg;fy b]xfosf sfuhftsf cfwf/df o:tf] e'QmfgL ug{ ;lsg]5 .

-!_ 9'jfgLsf] nfut k|i6 x'g] ;DalGwt kIfn] hf/L u/]sf] Invoice/Bill sf] ;Ssn

k|lt .

-@_ dfn;fdfg cfoftsf] nflu hf/L ePsf] k|tLtkq jf 8«fk\m6 cyjf SWIFT

Message sf] k|ltlnlk .

!=!=& o';fG; k|tLtkq (Usance L/C) sf] ;DaGwdf M

-s_ cf}Bf]lus kmd{x¿n] vf]Ng] cfoft k|tLtkqsf] xsdf o';fG;sf] cjlw cfoftstf{ /

lgof{tstf{sf] ;xdlt adf]lhd ;DalGwt a}+sn] g} to ug{ ;Sg]5g\ .

-v_ Jofkfl/s kmd{x¿n] ug]{ cfoftsf] xsdf o';fG; k|tLtkqsf] cjlw !@) lbgeGbf

a9L ug{ kfOg] 5}g .

-u_ g]kfnsf s'g} klg a}+sn] o';fG; cfoft k|tLtkqsf] sfuhft (L/C Documents)

l8:sfp06 ug{ kfpg] 5}gg\ . t/, pBf]u :jo+n] cfkm\gf] k|of]hgsf] nflu jf cGo

cfoftstf{n] cf}Bf]lus pTkfbgsf nflu cfjZos kg]{ sRrf kbfy{ / d]lzg

(Plant) tyf cGo oGq pks/0f cfoft ubf{sf] Sight L/C sf] e'QmfgL ug]{

13

k|of]hgsf] nflu clwstd !*) lbg;Ddsf] nflu a}+sx¿n] cfoftstf{nfO{ kl/jTo{

ljb]zL d'b|fdf C0f lbg ;Sg]5g\ . t/, cf}Bf]lus sRrf kbfy{ / d]lzg/L ;/;fdfg

k|tLtkq dfkm{t cfoft ubf{ Sight LC sf] e'QmfgLsf] nflu jfl0fHo a}+sx¿n]

kl/jTo{ ljb]zL d'b|fdf C0f k|jfx ubf{ Six Month LIBOR Rate df clwstd !=@%

-Ps bzdnj b'O{ kfFr_ k|ltzt;Dd yk u/L C0f k|jfx ug'{kg]{5 .

!=!=* j08]8 j]o/xfp; (Bonded Warehouse) cGt/ut cfoft ug]{ j:t'sf ;DaGwdf .

k|rlnt sfg"g adf]lhd :yfkgf ePsf tof/L kf];fs pBf]u :jod\n] cf–cfˆgf] pBf]usf]

lgldQ ljb]zaf6 sRrf kbfy{ cfoft ug]{ ePdf To:tf pBf]ux¿nfO{ Usance k|tLtkqsf]

;'ljwf lbg] / o; k|sf/sf] ;'ljwf aG8]8 j]o/ xfp; (Bonded Warehouse) cGtu{t cfoft

ug{ lbg] dfn;fdfgx¿df dfq k|bfg ug{ ;lsg]5 .

!=!=( cfoft k|tLtkqdf plNnlvt /sdeGbf a9L /sdsf] sfuhft (Documents) k|fKt ePsf]

cj:yfdf ;DalGwt k|tLtkqsf] zt{ leq /xL hlt;'s} /sdsf] To:tf sfuhft klg :jLsf/

ug{ ;lsg]5 .

!=!=!) Jofs 6' Jofs (Back to Back) k|tLtkq sf/f]jf/ ;DaGwdf .

tof/L kf];fs pBf]ux¿n] cfk\mgf] pBf]usf] nflu cfjZos kg]{ sRrf kbfy{ -sk8f_ Jofs 6'

Jofs k|tLtkqsf] dfWodaf6 klg cfoft ug{ ;lsg] 5 . o;/L Jofs 6' Jofs k|tLtkq

vf]Nbf cfoft ul/Psf sRrf kbfy{ -sk8f_ sf] e'QmfgL ;f] sRrf kbfy{af6 lgld{t tof/L

kf];fs lgof{t u/L e'QmfgL k|fKt ePkl5 ;f]xL e'QmfgL (Export Proceeds) dWo]af6 dfq

cfoft k|tLtkqsf] Payment Terms df plNnlvt zt{ cg'?k e'QmfgL x'g] Joxf]/f Back to

Back k|tLtkqdf clgjfo{ ?kn] pNn]v ug'{ kg]{5 . Back to Back L/C sf] dfWodaf6 tof/L

kf];fs pBf]un] sk8f cfoft ubf{ lgDg s'/fx¿sf] cfwf/df dfq ug'{kg]{5 .

-s_ tof/L kf];fs lgof{t ug]{ pBf]usf] gfddf ;d'Gb|kf/ d'n'ssf] qm]tfn] pQm pBf]uaf6

pTkflbt tof/L kf];fs vl/b ug{ k|tLtkq vf]n]sf] x'g'kg]{5 .

-v_ tof/L kf];fs lgof{t pBf]unfO{ k|fKt x'g] k|tLtkqdf tof/L kf];fssf] lgof{tsf]

e'QmfgL () -gAa]_ lbg leq x'g] zt{ /fVg' kg]{5 .

-u_ tof/L kf];fs pBf]un] cfoft ug]{ sRrf kbfy{ sk8fsf] e'QmfgL lgof{t cfh{g

dWo]af6 x'g] x'Fbf o:tf pBf]usf] gfddf sRrf kbfy{ cfk"lt{ ug]{ lgof{tstf{nfO{

dGh'/ ePdf Back to Back L/C vf]Ng ;lsg] 5 .

-3_ tof/L kf];fs pBf]unfO{ k|fKt x'g] pko{'Qm k|tLtkqd} lgof{t x'g] tof/L kf];fssf]

FOB d"Nosf] a9Ldf %) k|ltzt;Ddsf] /sdaf6 tof/L kf];fs pBf]un] cfoft ug]{

sRrf kbfy{ sk8fsf] e'QmfgL ug]{ / afF+sL /sd g]kfndf e'QmfgL k7fpg] zt{gfdf

x'g'' kg]{5 .

!=!=!! kl/jTo{ ljb]zL d'b|fsf] k|tLtkq sf/f]jf/ dfk{mt x'g ;Sg] ljb]zL ljlgdosf] ckrngnfO{

lgoGq0f ug]{ b[li6sf]0faf6 kl/jTo{ ljb]zL d'b|fsf] k|tLtkq dfk{mt cfoft / lgof{t sf/f]jf/

ug'{ cl3 clgjfo{ ?kdf Jofkfl/s zfv ;"rgf (Business Credibility Information) lng]

;DaGwdf b]xfosf] Joj:yf ul/Psf] 5 .

-s_ cd]l/sL 8n/ %) xhf/ jf ;f] eGbf a9Lsf] cfoft jf lgof{t k|tLtkq vf]Ng' cl3

lgof{t ug]{ ljb]zL kmd{÷sDkgL jf ;+:yfsf] Jofkfl/s zfv ;"rgf (Business

14

Credibility Information) ;DaGwL hfgsf/L lng' kg]{5 . %) xhf/ eGgfn] -;+zf]wg

u/L /sd yk ul/Psf] eP ;f] ;d]t_ u0fgf x'g]5 .

-v_ lgof{t k|tLtkq cGt/ut lgof{t 8s'd]06x¿ Negotiation jf Purchase ug'{ cl3

ljb]zl:yt vl/bstf{sf] Jofkfl/s zfv ;"rgf (Business Credibility Information) ;DaGwL hfgsf/L lng' kg]{5 .

-u_ ;fv ;"rgf g]kfnl:yt o:tf] sfd ug]{ s'g} lgsfo jf g]kfndf zfvf sfof{no

ePsf cGt/f{li6«o s'g} k|ltli7t lgsfox¿sf] k|ltlglwdfk{mt ;DalGwt a}+s cfk}mn]

;fv ;"rgf lng' kg]{5 .

-3_ Credit Risk jf High Credit Risk jf Rating not Determined eGg] h:tf Joxf]/f

pNn]v eO{ cfPsf] xsdf k|tLtkq vf]Ng' k/]df ;fdfGo cj:yfdf h'g txaf6

k|tLtkq vf]Ng cg'dlt lgsf;f x'G5 ;f] txeGbf Ps txdflysf] lgsf;f clgjfo{

?kn] lng'kg]{5 . Rating :ki6 pNn]v geO{ Satisfactory/Good Conduct of Account

dfq pNn]v 5 eg] To:tf] cj:yfdf ;f] cg'dlt cfjZos kg]{ 5}g .

-ª_ Ps k6s lnOPsf] o:tf] Jofkfl/s ;fv ;"rgf (Business Credibility Information) Ps jif{;Ddsf nflu dfq dfGo x'g]5 .

-r_ ;/sf/L tyf cw{ ;/sf/L lgsfox¿n] Global Tender sf] cfwf/df k|bfg u/]sf]

Contract cGt{ut vf]lng] k|tLtkqx¿sf] xsdf o:tf] Jofkfl/s ;fv ;"rgfsf]

cfjZostf kg]{ 5}g .

-5_ Pp6f a}+sn] k|fKt u/]sf] ;"rgf c¿ a}+sx¿n] klg k|of]u ug{ ;Sg]5g\ .

-h_ o:tf] ;fv ;"rgf k|tLtkq vf]Ng] ;DalGwt a}+ssf] Correspondent a}+saf6 klg

lng ;lsg]5 .

-em_ Back to Back k|tLtkq, Usance tyf Deferred Payment k|tLtkqx¿sf] xsdf

;fv ;"rgf lng' kg]{5}g . ;fy}, e'QmfgLsf] zt{ cf+lzs ?kdf Sight tyf cf+lzs

?kdf Usance cyjf Deferred Payment ePsf] cj:yfdf klg ;fv ;"rgf

cfjZos kg]{ 5}g .

-`_ g]kfnL lgof{tstf{x¿n] cfkm"n] k|fKt u/]sf] k|tLtkqsf] cfwf/df lgof{t ubf{

k|tLtkqdf pNn]v u/]sf ;Dk"0f{ Terms and Conditions x¿ kfngf x'G5 eg] To:tf

Complying Presentation sf] Negotiation jf Purchase ubf{ ;fv ;"rgf cfjZos

kg]{ 5}g .

!=!=!@ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L vf]lnPsf cfoft k|tLtkqx¿ / tL k|tLtkqx¿

cGt/ut x'g] ljb]zL d'b|f e'QmfgL ;DaGwL cg'udg k|s[ofnfO{ a9L k|efjsf/L agfpg

k|tLtkq ;DaGwL ;"rgf Joj:yfnfO{ b]xfo adf]lhd sfof{Gjog ug'{kg]{5 M

-s_ ;DalGwt a}+s tyf ;f] a}+s cGtu{tsf k|tLtkq sf/f]jf/ ug]{ ;a} zfvf sfof{non]

k|tLtkq vf]n]sf] ljj/0fx¿ lj=lj=lg=kmf=g+=# sf] cfwf/df On]S6«f]lgs dfWodaf6

o; ljefudf b}lgs ¿kdf k7fpg' kg]{5 .

-v_ k|tLtkq cGtu{t ul/Psf] kl/jTo{ ljb]zL d'b|fsf] e'QmfgL ljj/0f klg o; a}+sn]

tf]lslbPsf] cfoftsf] e'QmfgL k|df0fkq lj=lj=lg=kmf=g+=$ sf] cfwf/df On]S6«f]lgs

dfWodaf6 o; ljefudf b}lgs ¿kdf k7fpg' kg]{5 .

-u_ dfly !=!=!@ -s_ / -v_ df pNn]v ul/P cg';f/sf] ljj/0fx¿ d'Vo sfof{non]

;+sng u/L o; a}+sdf k7fpg'kg]{5 . ;f] sfo{sf] nflu o; a}+saf6 Joj:yf

ul/Psf] Branch Code sf] k|of]u ug'{kg]{5 .

15

-3_ On]S6«f]lgs dfWodaf6 Data Transmit ug{sf nflu o; a}+saf6 Joj:yf ul/Psf]

Data Base Structure cg';f/ Data Entry u/L kmfOnx¿ tof/ ug'{ kg]{5 .

-ª_ Data Entry sf] nflu tof/ ul/Psf] a}+s sf]8, eG;f/ sf]8, o'lg6 sf]8sf] ljj/0f

;d]t o; a}+saf6 tof/ ul/P cg';f/ x'g]5 .

-r_ cfoft x'g] dfn;fdfgx¿sf] nflu g]kfn ;/sf/n] eG;f/ dx;'n b/jGbLdf pNn]v

u/] adf]lhdsf]] cf7 c+ssf] Harmonized Code k|of]u ug'{ kg]{5 .

-5_ ef/tsf] sf]nsftf tyf ljzfvfktgd\ aGb/ufx eO{ cfpg] u/L t];|f] d'n'saf6

;fdfg cfoft ug{ vf]lnPsf] k|tLtkqx¿sf] -;+zf]wg eP ;f] ;d]t_ ljj/0f

;DalGwt k|To]s zfvfaf6 l;w} g]kfn ;/sf/, pBf]u jfl0fHo tyf cfk'lt{ dGqfno,

jfl0fHo, cfk'lt{ tyf pkef]Qf ;+/If0f ljefu ;d]tnfO{ ;fKtflxs ¿kdf o;};fy

;+nUg cg'';"rL !=$ adf]lhd l;nl;n]jf/ gDa/ pNn]v u/L k7fpg' kg]{5 .

-h_ o; Joj:yf cGtu{t k|fKt x'g'kg]{ ;Dk"0f{ ljj/0fx¿ ;dodf pknAw gePdf

cfoftstf{x¿nfO{ cfofltt dfn;fdfg 5'6fpg] k|lqmofdf cj/f]w cfpg ;Sg]

;Defjgf /x]sf] / o;af6 x'g] s'g} lsl;dsf] xfgL gf]S;fgLsf] ;Dk"0f{ lhDd]jf/L

;dod} ;"rgf k|bfg gug]{ ;DalGwt a}+ssf] g} x'g] 5 . Data Transmit ug{

cfjZos kg]{ cGo s'g} ;"rgf tyf ljj/0fsf nflu o; ljefudf ;Dks{ ug'{ kg]{5

.

!=!=!# k|rlnt Joj:yf cGt/ut /xL kl/jTo{ ljb]zL d'b|fdf tyf ef/tLo ?k}oFfdf e'QmfgL x'g]

u/L cfoft k|tLtkq vf]Nbf ;DalGwt lgsfosf] k"j{ :jLs[lt clgjfo{ ?kdf lnP/ dfq

vf]Ng' kg]{]{ cfoft k|tLtkqx¿ ;DaGwL Joj:yf M

-s_ dlb/f lgsf;L k}7f/L M

dlb/f P]g, @)#! cg';f/ s'g} klg kmd{ tyf sDkgLn] dlb/f lgsf;L k}7f/L ug'{ kbf{

g]kfn ;/sf/, cfGtl/s /fh:j ljefusf] k"j{ :jLs[lt lng'kg]{5 .

-v_ kf]itfbfgfdf kl/df0ffTds aGb]h M

kf]itfbfgf (Poppy Seed) sf] cfoftdf kl/df0ffTds aGb]h nfu' /x]sf] x'Fbf g]kfn

;/sf/, jfl0fHo tyf cfk"lt{ dGqfnon] :jLs[lt lbPsf] kl/df0f afx]ssf] cfoft

k|tLtkq vf]Ng kfOg] 5}g .

-u_ k'/fgf sk8f, wft' tyf Knfli6saf6 ag]sf ;fdfg tyf oGqf]ks/0f M

pBf]un] k}7f/L ug]{ afx]s Jofkfl/s kmd{x¿n] k}7f/L ug]{ k'/fgf sk8f, wft' tyf

Knfli6saf6 ag]sf ;fdfg tyf oGqf]ks/0fsf] xsdf To:tf] k|tLtkq vf]Ng' cl3

g]kfn ;/sf/, jftfj/0f, lj1fg tyf k|ljlw dGqfnosf] k"j{ :jLs[lt lng'kg]{5 .

-3_ g]kfn ;/sf/, jftfj/0f, lj1fg tyf k|ljlw dGqfnosf] k"j{ :jLs[lt lng'kg]{

dfn;fdfgx¿ b]xfo adf]lhd /x]sf 5g M

-!_ Wfft' M Copper, Brass, Bronze, Aluminum / Zinc Scraps sf] xsdf

;DalGwt ;fdfg 3fts kq' (Hazardous Scrap) eP gePsf] ;DaGwdf

g]kfn ;/sf/, jftfj/0f, lj1fg tyf k|ljlw dGqfnosf clws[tx¿n]

lg/LIf0f u/L 3fts gePsf] Joxf]/f l;kmfl/; u/]sf] wft' cfoft ug{ ;lsg]5

. cfoft ul/g] Scrap x¿ Institute of Scrap Recycling Industry’s (ISRI)

Scrap Specification cg';f/ x'g'kg]{5 . pQm adf]lhdsf Scrap x¿ cfoft

ug{' kg]{ ePdf k|tLtkq vf]Ng' k"j{ pQm dGqfnosf] :jLs[lt lng' kg]{5 .

-@_ sk8f M af9L, klx/f], cfuhgL h:tf b}jL ljklQsf] ;Gbe{df ;xof]u :j?k

cfoft x'g] k'/fgf sk8fnfO{ g]kfnsf] s'g} :jf:Yo ;+:yfsf kl~hs[t

16

lrlsT;sn] /f]ud'Qm egL lnlvt k|dfl0ft u/L lbPsf k'/fgf sk8f . t/ c?

s'g}klg k|of]hgdf k'/fgf sk8f cfoft ug{ kfOg] 5}g .

-#_ Knfli6saf6 ag]sf ;fdfg M Plastic Scrap sf] ;DaGwdf Scrap Plastic / Recycled Granules sf] cfoftdf @)%# ;fnb]lv nufOPsf] k|ltjGw oyfjt}

/x]sf] 5 .

-$_ oGqf]ks/0fM Jofkfl/s k|of]hgsf] nflu s'g} klg Second Hand ;fdfgx¿

cfoft ug{ kfOg] 5}g . h:t}M

-s_ 6]lnlehg -v_ k\mofS; -u_ lk|mh -3_ /]lk|mh]/]6/ -ª_ Po/ sl08;g/ -r_

kmf]g -5_ sDKo'6/ -h_ lk|06/ -em_ kmf]6f]skL -`_ k\mofg -6_ ckm;]6 d]l;g

-7_ cf]eg 8_ jfl;Ë d]lzg -9_ 8«fo/ d]lzg . -0f_ jfo' k|b'if0f j[l4 ug{ ;Sg]

df]6/sf Engine sf Pump, cylinder piston, head h:tf k'/fgf ;fdfg ;d]t

cfoft ug{ kfOg] 5}g .

-ª_ cf]hf]g txnfO{ gi6 ug]{÷gug]{ kbfy{x¿ M

-!_ g]kfnleq cf]hf]g txnfO{ gi6 ug]{ kbfy{x¿sf] k}7f/L Pjd\ pkef]unfO{

lgolGqt ug]{ ljifosf] ldlt @)%& ;fn c;f]h ( ut]sf] g]kfn /fhkq efu #

df k|sflzt ;"rgfsf] v08 # df ;f]xL ;"rgfsf] v08 ! sf] k|s/0f -s_ / -v_

df plNnlvt cf]hf]g txnfO{ gi6 ug]{ kbfy{x¿ ODS Refrigerant Gas (R-22

jf HCFC-22) sf] cfoftsf nflu k|tLtkq vf]Ng' cl3 g]kfn ;/sf/, lj1fg,

k|ljlw tyf jftfj/0f dGqfnosf] k"j{ :jLs[lt lng' kg]{5 .

-@_ cf]hf]g txnfO{ gi6 gug]{ kbfy{x¿ Non-ODS Refrigerant Gas sf] cfoftsf

nflu jfl0fHo a}+sx¿ dfk{mt k|tLtkq vf]Nbf g]kfn ;/sf/, lj1fg tyf

jftfj/0f dGqfnosf] l;kmfl/; cfjZos kg]{ 5}g .

-r_ h}ljs kbfy{, rNnf jf df5fsf e"/f jf kz' bfgf lgsf;L jf k}7f/L ug{ rfxg]

JolQm÷kmd{÷sDkgLn] tf]lsPsf] lgsfoaf6 l;kmfl/; kq lng' kg]{5 . -h}ljs kbfy{

(Biological Substances) eGgfn] kz' ljsf; jf kz' :jf:Yosf] nflu k|of]u ul/g]

hLjf0f' jf ljiff0f'o'Qm cf}ifwL, vf]k jf h}ljs /;fog ;D´g' k5{ ._

!=!=!$ vfB kbfy{ cfoft ug{ vf]lng] k|tLtkq ;DaGwL Joj:yf M o; Joj:yf cGtu{t cg';"rL

!=!& df plNnlvt vfB tyf k]o kbfy{ cfoft ubf{ g]kfn ;/sf/, s[lif tyf kz'kG5L

ljsf; dGqfno, vfB k|ljlw tyf u'0f lgoGq0f ljefusf] k"j{ :jLs[lt lng' kg]{5 . cfoft

;DaGwL sfuhftdf plNnlvt cfoftstf{, lgof{tstf{, kl/df0f / d"No ;DaGwL ljj/0f

To:tf] cg'dltkqdf pNn]v ePsf] ljj/0f;Fu d]n vfPsf] x'g'kg]{5 .

!=!=!% lgsf;L k}7f/L -lgoGq0f_ P]g, @)!# cGt{ut g]kfn ;/sf/n] ;do ;dodf lgsf;L k}7f/L

ug{ k"0f{ jf kl/df0ffTds aGb]h nufPsf j:t'x¿ ;f]xL adf]lhd x'g]5 .

!=!=!^ vfg] t]n cfoft ug]{ ;DaGwL Joj:yf M

-s_ g]kfn ;/sf/, pBf]u jfl0fHo tyf cfk"lt{ dGqfnosf] ldlt @)^$÷^÷!) sf] kq

tyf cf}Bf]lus k|j4{g af]8{sf] !*! cf}+ a}7ssf] lg0f{ofg';f/ pBf]ux¿n] cf}Bf]lus

sRrf kbfy{sf] ?kdf k}7f/L ug]{ eGbf afx]s cfoftstf{ kmd{÷sDkgLn] ahf/df

;f]em} ljqmL ljt/0f ug]{ k|of]hgsf] lgldQ k|zf]lwt t]nsf] @) -aL;_ lsnf]u|fd eGbf

a9L tf}nsf] Consumer Pack jf v'nf k|zf]lwt t]n cfoft ug{ kfOg] 5}g .

-v_ pTkfbgd'ns pBf]ux¿n] sRrf j:t'sf] ?kdf k|of]u ug]{ t]n Bulk df cfoft ubf{

vfB k|ljlw tyf u'0f lgoGq0f ljefusf] l;kmfl/; / dfkb08 adf]lhd dfq cfoft

17

ug{ kfOg]5 . t/, pBf]ux¿n] cGo s'g} dfn;fdfg pTkfbg ug{ cfkm"n] dfq ljz]if

lsl;dn] k|of]u ug]{ u/L sRrf kbfy{sf] ?kdf cfoft ug]{ k|zf]lwt t]n -pbfx/0ffy{

Noodles sf] nflu :jod+n] k|of]u ug]{ Refined Bleached and Deodorized (RBD)

Palm Oil / o:t} cGo pBf]un] k|of]u ug]{ RBD Canola Oil, RBD Super

Palmolein, RBD Ground Nut Oil, RBD Coconut Oil, Refined Mustard Oil,

Coconut Oil, Clove Leaf Oil _ sf] xsdf dfly plNnlvt Joj:yf nfu' x'g] 5}g .

!=!=!& ;jf/L jf 9'jfgLsf ;fwgx¿ k}7f/L ;DaGwL Joj:yf M

-s_ lgdf{tf sDkgL jf lghsf] cflwsfl/s laq]mtfaf6 vl/b ul/Psf gofF ;jf/L jf

9'jfgLsf ;fwgx¿ g]kfnl:yt cflwsfl/s laq]mtfn] dfq k}7f/L ug{ kfpg]5 .

-v_ l/s08L;g, k|of]u eO;s]sf] jf g]kfn ;jf/L k|b"if0f dfkb08, @)%^ leq gkg]{

;jf/L jf 9'jfgL nufot cGo ;fwgx¿ k}7f/L ug{ kfOg] 5}g .

!=!=!* ef/t afx]s cGo d'n'sx¿af6 CIF jfx]ssf d"Nodf k|tLtkq dfkm{t cfoft ubf{ k|rlnt

Joj:yfsf cltl/Qm b]xfosf Joj:yf ;d]t kfngf ug{'kg]{5 .

-s_ ;fdfg cfoft ubf{ ;Dej eP;Dd g]kfnL ljdf sDkgLx¿af6 ljdf u/fpg'kg]{5 .

-v_ ljb]zaf6 ljdf u/fpg'kg]{ ePdf 9'jfgL tyf jLdfsf] nfut k|i6 x'g] sfuhft÷aLn

;+nUg ug'{kg]{5 .

-u_ 9'jfgL tyf jLdfsf] nfut k|i6 ?kdf 5'6[} b]lvg] u/L lj=lj=lg=kmf=g+=$ hf/L ug'{

kg]{5 .

-3_ ljb]z l:yt sDkgLaf6 9'jfgL tyf jLdfsf] Joj:yf u/fO{ ef/tafx]s cGo d'n'sdf

e'QmfgL ug'{kg]{ ePdf ;DalGwt sDkgLn] hf/L u/]sf] Invoice/Bill sf] cfwf/df

k|tLtkq hf/L ug]{ a}+sn] pQm Invoice/Bill df pNn]lvt /sdsf] ;6xL ;'ljwf

;DalGwt Ph]G;Lsf] gfddf pknJw u/fpg' kg]{5 .

!=!=!( ef/taf6 kl/jTo{ ljb]zL d'b|f e'QmfgL u/L software cfoft ;DalGw Aoj:yf M

g]kfnsf ;+3 ;+:yf tyf sDkgLx¿n] ef/taf6 kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L

Software vl/b ug'{ k/]df Psk6sdf a9Ldf cd]l/sL 8n/ !%,))).– -kGw| xhf/_ ;Ddsf]

Software Pn=;L=dfk{mt b]xfosf] k|s[of k"/f u/L cfoft ug{ kfpg] 5g\ .

-s_ k|rlnt Joj:yf adf]lhdsf k|fjwfg k"/f u/L k|tLtkq vf]Ng' kg]{5 .

-v_ kl/jTo{ ljb]zL d'b|fdf ef/taf6 lgof{t x'Fbf ef/t ;/sf/af6 kl/jTo{ ljb]zL d'b|fdf

lgof{t ubf{ 5'6 lbP adf]lhdsf s/, cGtz'Ns glnPsf] b]lvg] aLhs jf OGEjfO;

x'g'kg]{ 5 .

-u_ k|rlnt Joj:yf adf]lhd eG;f/ ljGb' geO{ Online dfkm{t cfoft x'g] ;km\6j]o/sf]

xsdf clu|d s/ lt/]sf] /l;b k]z ug'{ kg]{5 .

-3_ eG;f/ laGb' eP/ cfoft x'g] ;km\6j]o/sf] xsdf k|rlnt Joj:yf adf]lhdsf] k|s[of

k"/f ug'{ kg]{5 .

!=!=@) ljsf; a}+}sx¿n] k|tLtkq sf/f]jf/ ug{] Joj:yf ;DaGwdf M

k|tLtkq ;DaGwL ljBdfg Joj:yfx¿ kfngf ub}{ b]xfosf zt{x¿sf cwLgdf /xL /fli6«o

:t/sf ljsf; a}+}sx¿nfO{ klg lgodfg';f/ o; a}+saf6 Ohfhtkq lnO{ b]xfosf] zt{x¿

kfngf ug]{ u/L k|tLtkq sf/f]jf/ ug{ :jLs[lt k|bfg ug{ ;lsg] 5 .

-s_ cfk}mn] nufgL÷k|j4{g u/]sf pmhf{ pTkfbg, ljsf; / k|;f/0fsf kl/of]hgfx¿sf]

k|of]hgsf] nflu dfq k|tLtkq ;DaGwL sf/f]jf/ ug{ ;Sg] .

-v_ a}+sn] SWIFT (Society for Worldwide Interbank Financial Telecommunication) sf]

;b:otf lnPsf] x'g' kg]{ .

18

-u_ cGt/f{li6«o Ph]G;Lx¿;Fusf] Joj;flos sf/f]jf/sf] ;DaGw sfod ePsf] Go"gtd #

jif{ k"/f ePsf] x'g' kg]{ .

-3_ z3| ;'wf/fTds sf/jfxL ;DaGwL ljlgodfjnL adf]lhd ljut b'O{ jif{leq s'g}

lsl;dsf] sf/jfxL ePsf] x'g gx'g] .

!=!=@! Correspondent Bank df /fv]sf] ljb]zL d'b|f lgIf]ksf] lwtf]df Confirmation sf] sfo{ ug{

;Sg] Joj:yf M

g]kfnsf æsÆ ju{sf jfl0fHo a}+sx¿n] :jb]zL tyf ljb]zL Correspondent Bank df /fv]sf]

ljb]zL d'b|f lgIf]knfO{ lwtf] /fv]/ :jb]zL tyf ljb]zL Correspondent Bank af6 k|tLtkq

tyf Trade Finance Services sf] nflu Confirmation sf] ;]jf lng ;Sg]5g\ .

:jb]zL tyf ljb]zL Correspondent Bank n] k|tLtkqsf] Confirmation ubf{ s'g} bfloTj

;[hgf ePdf ;f]sf] e'QmfgLsf nflu Confirmation ug]{ a}+sn] bfloTj e'QmfgL ug'{ k/]sf]

v08df ;DalGwt a}+ssf] :jb]z jf ljb]zdf /x]sf] ljb]zL d'b|f lgIf]kaf6 vr{ u/L k|rlnt

Joj:yf adf]lhd Confirmation ug]{ a}+ssf] bfloTj e'QmfgL lbg ;Sg]5g\ .

o;sf cltl/Qm, Confirmation ug]{ a}+s cfkm};Fu ;DalGwt jfl0fHo a}+ssf] ljb]zL d'b|f

lgIf]k /x]sf] v08df Confirmation ug]{ a}+sn] ;f]xL lgIf]k k|of]u u/L ;[hgf ePsf] bfloTj

Settle ug{ ;Sg]5g\ .

!=!=@@ cu|Ld /sd k|fKt ePsf] cfwf/df ef/t tyf t];|f] d'n'ssf] ;fdfg g]kfn afx]s cGo

d'n'sdf Jofkf/ ug{ kfOg] Joj:yf M

ljb]zaf6 cu|Ld ?kdf ljb]zL d'b|f k|fKt ePsf] k|df0f k|tLtkq vf]Ng] a}+sdf k|fKt e};s]kl5

;f]sf] cfwf/df ef/t tyf t];|f] d'n'ssf ;fdfg ljleGg kf]6{x¿ dfkm{t g]kfn gleq\ofO{

l;w} dWo:ytf Jofkf/ cGtu{t g]kfn afx]s cGo d'n'sdf k|tLtkq dfkm{t\ cGt/fli6«o

k|rng cg'?k lgof{t Jofkf/ ug{ ;lsg]5 .

-s_ k|tLtkq ;DaGwL ljBdfg Joj:yf tyf cGt/f{li6«o k|rng kfngf ug'{kg]{5 .

-v_ k|tLtkq vf]Ng' cl3 ljb]zaf6 cu|Ld ?kdf g]kfnL a}+sdf ljb]zL d'b|f k|fKt ePsf]

x'g'kg]{5 .

-u_ k|tLtkq vf]Nbf k|fKt /sd ggf£g] u/L vf]Ng' kg]{5 .

-3_ g]kfnsf] k|rlnt sfg'gn] sf/f]jf/ ug{ lgif]w gu/]sf] dfna:t'sf] dfq sf/f]jf/

ug'{kg]{5 .

-ª_ AML tyf CFT ;DaGwL Joj:yfx¿sf] Kffngf ug'{kg]{5 .

!=@ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L ef/tafx]s cGo d'n'sx¿af6 k|tLtkq afx]s D.A.P.

(Documents Against Payment) tyf D.A.A. (Documents Against Acceptence) sf] dfWodaf6

cfoft ug{ ;lsg] ;DaGwL Joj:yf M

!=@=! D.A.P. (Documents Against Payment) sf] dffWodaf6 ul/g] cfoftsf ;DaGwdf .

-s_ International Chamber of Commerce sf] Uniform Rules for Collections (URC),

ICC Publication No. 522 df ePsf] k|fjwfg cg'?k sf/f]jf/ tyf e'QmfgL Joj:yf

ldnfpg' kg]{ 5 . o:tf] e'StfgL cfoft ;DaGwL sfuhft k|fKt ePsf] cfwf/df ug{

;lsg]5 .

19

-v_ cfoft ug]{ kmd{÷sDkgL÷;+:yf ljlwjt ?kdf btf{ ePsf] k|df0fkq -gjLs/0f

ug'{kg]{ eP gjLs/0f ;d]t ePsf]_ / cBfjlws cfos/ btf{ k|df0fkqsf] k|ltlnlk

clgjfo{ ?kn] lng' kg]{5 .

-u_ o;/L cfoft ug]{ j:t'x¿;Fu ;DalGwt ;Dk"0f{ sfuhftx¿ (Documents) a}+s tyf

ljQLo ;+:yf dfkm{t g} cfPsf] x'g'kg]{ 5 .

-3_ CIF afx]s cGo cfwf/df cfoft ubf{ dfn;fdfgsf] gfd, OsfO{ d"No, 9'jfgL ef8f

/ aLdf b:t'/sf] 5'§f5'§} d"No b]lvg] Invoice clgjfo{ ?kdf ;+nUg ePsf] x'g'kg]{

5 .

-ª_ dfyL bkmf !=!=% df plNnlvt Joj:yf cg';f/ w/f}6L lnO{ lj=lj=lg=kmf=g+=$

clgjfo{ ?kdf hf/L ePsf] x'g'kg]{ 5 .

-r_ lj=lj=lg= kmf=g+=$ ;+Fu ;DalGwt cGo Joj:yfx¿ dfyL bkmf !=!=$ df pNn]v eP

cg';f/ g} ug'{' kg]{5 .

-5_ k|tLtkq gvf]ln ef/tsf] sf]nsftf tyf ljzfvfktgd aGb/ufx eO{ t];|f]

d'n'saf6 cfoft x'g] dfn;fdfg?sf] xsdf g]kfn ;/sf/, pBf]u jfl0fHo tyf

cfk'lt{ dGqfno, jfl0fHo, cfk'lt{ tyf pkef]Qf ;+/If0f ljefun] hf/L ug]{

Ohfhtkq cfjZos kg]{ x'Fbf ;f] Joxf]/fsf] hfgsf/L sf]nsftf tyf

lj;fvfktgdaf6 cfoft ug]{ k|To]s cfoftstf{nfO{ clgjfo{ ?kdf u/fpg' kg]{5 .

-h_ o; Joj:yf cg';f/ ul/g] cfoft afktsf] e'tmfgLsf] ljj/0f dfl;s ?kdf o;

ljefudf k]z ug'{ kg]{5 .

-em_ o; Joj:yf cGtu{t cg';"rL !=!& df plNnlvt vfB tyf k]o kbfy{ cfoft ubf{

g]kfn ;/sf/, s[lif tyf kz'kG5L ljsf; dGqfno, vfB k|ljlw tyf u'0f lgoGq0f

ljefusf] k"j{ :jLs[lt lng' kg]{5 . cfoft ;DaGwL sfuhftdf plNnlvt

cfoftstf{, lgof{tstf{, kl/df0f / d"No ;DalGw ljj/0f To:tf] cg'dltkqdf pNn]v

ePsf] ljj/0f;Fu d]n vfPsf] x'g'kg]{5 .

!=@=@ D.A.A. (Documents Against Acceptence) sf dfWodaf6 ul/g] cfoft M

-s_ International Chamber of Commerce sf] Uniform Rules for Collections (URC),

ICC Publication No. 522 df ePsf] k|fjwfg cg'?k sf/f]jf/ tyf e'QmfgL Joj:yf

ldnfpg' kg]{5 .

-v_ sfuhftx¿ a}+s tyf ljQLo ;+:yf dfk{mt cfO{ e'QmfgL klg a}+s tyf ljQLo ;+:yf

dfk{mt g} k7fpg' kg]{5 .

-u_ sfuhft :jLsf/ u/]kl5 ;DalGwt cfoftstf{sf] tk{maf6 cflwsfl/s

kbflwsf/Låf/f sfuhftsf zt{ cg'?k lglb{i6 ;dodf e'QmfgL ug]{ k|ltj4tf hfx]/

ePsf] sfuhft lng'kg]{5 .

-3_ ef/taf6 x'g] cfoftsf] xsdf ef/tLo ?k}ofFdf dfq e'QmfgL ug'{kg]{5 .

-ª_ cGt/f{li6«o ljdfg:ynl:yt eG;f/ gfsf afx]s cGo eG;f/ gfsfaf6 x'g] cfoftsf]

nflu g]kfn ;/sf/, g]kfn ;/sf/, pBf]u jfl0fHo tyf cfk'lt{ dGqfno, jfl0fHo,

cfk'lt{ tyf pkef]Qf ;+/If0f ljefuaf6 Ohfht lng'kg]{5 .

-r_ bkmf !=!=% df plNnlvt Joj:yf cg';f/ w/f}6L lnO{ bkmf !=!=$ df pNn]lvt

Joj:yf cg';f/ lj=lj=lg=kmf=g+=$ hf/L ug{' kg]{5 .

-5_ dfn;fdfg cfoft e};s]sf] cflwsfl/s k|df0f -h:t} ;DalGwt eG;f/ sfof{noaf6

k|dfl0ft u/]sf] lj=lj=lg=kmf=g+=$, k|1fkgkq tyf eG;f/ b:t'/ a'emfPsf] /l;b_ /

k|fKt sfuhftdf plNnlvt dfnj:t' tyf d"No 7Ls b]lvPdf dfq e'QmfgL k7fpg'

20

kg]{5 . t/, eG;f/ sfof{noaf6 k|dfl0ft u/]sf] lj=lj=g+=kmf=g+=$ k|fKt eO{g;s]sf]

cj:yfdf eg] ;f] kmf/fd a}+sn] oyf;dodf ;DalGwt kmfOndf cBfjlws ug]{ u/L

e'StfgL ug{ afwf kg]{ 5}g .

-h_ clu|d e'QmfgL k7fpg' kg]{ ePdf k|To]s Consignment sf] nflu ;Demf}tf

MOU/Purchase Order/Proforma Invoice df plNnlvt d"Nosf] %) k|ltzt jf l6=l6=

dfkm{t k7fpg ;lsg] ;Ldf;Ddsf] ljb]zL d'b|f dWo] 36L x'g] /sd;Dd dfq k7fpg

;lsg]5 . ;f]eGbf a9L clu|d e'QmfgL k7fpg'kg]{ ePdf lglb{i6 ;doleq Shipment

gePdf clu|d e'QmfgL /sd lkmtf{ x'g] zt{ /x]sf] ljb]zl:yt k|ltli7t a}+s tyf

ljQLo ;+:yfsf] a}+s Uof/]06Lsf] cfwf/df dfq k7fpg ;lsg]5 . o;/L cfoft ug]{

j:t'x¿;Fu ;DalGwt ;Dk"0f{ sfuhftx¿ (Documents) a}+s tyf ljQLo ;+:yf

dfkm{t g} cfPsf] x'g'kg]{ 5 .

-em_ :jLsf/ u/]sf] sfuhftsf] e'QmfgL k|Tofe"ltsf] nflu s'g} lsl;dsf] ;'/If0f /fVg jf

Uof/]06L hf/L ug{ kfOg] 5}g .

-`_ o; ;DaGwL cGo sfo{ljlw tyf Joj:yfx¿ o;} kl/kqsf] bkmf !=@=! adf]lhd

x'g]5 .

-6_ o; Joj:yf cg';f/ ul/g] cfoft afktsf] e'tmfgLsf] ljj/0f dfl;s ?kdf o;


-7_ o; Joj:yf cGtu{t cg';"rL !=!& df plNnlvt vfB tyf k]o kbfy{ cfoft ubf{

g]kfn ;/sf/, s[lif tyf kz'kG5L ljsf; dGqfno, vfB k|ljlw tyf u'0f lgoGq0f


cfoftstf{, lgof{tstf{, kl/df0f / d"No ;DaGwL ljj/0f To:tf] cg'dltkqdf pNn]v


!=#= tftf]kfgL eG;f/ ljGb'dfkm{t rLgsf] :jzfl;t If]q ltAataf6 x'g] cfoft sf/f]jf/ ;DaGwdf .

tftf]kfgL eG;f/ ljGb'dfkm{t x'g] cfoft sf/f]jf/sf] ;DaGwdf lgDgfg';f/sf] Joj:yf nfu' ul/Psf]

5 .

!=#=! clwstd cd]l/sL 8n/ # xhf/;Ddsf] ;fdfg cfoftsf] nflu gub ljb]zL d'b|f pknAw

u/fpg ;lsg] 5 .

!=#=@ a9Ldf l6=l6=dfkm{t cfoft ug{ tf]lsPsf] ;Ldf;Ddsf] ;fdfg cfoft ug{sf] nflu

8«fkm\6÷l6=l6=sf] dfWodaf6 e'QmfgL k7fpg ;lsg] 5 .

bkmf !=#=! / !=#=@ b'j} Joj:yf cGtu{t ;6xL k|bfg ubf{ lgDg k|lqmof cg'¿k ug'{kg]{ 5 .

-s_ cfoftstf{ ljlwjt\ ¿kdf g]kfn ;/sf/sf] ;DalGwt lgsfodf btf{ ePsf] x'g'kg]{

-v_ gjLs/0f ug'{kg]{ eP cWofjlws gjLs/0f ;d]t ePsf] s/ k|df0fkq ;+nUg x'g'kg]{

-u_ k|rlnt Joj:yf cGtu{t cfoft ug{ kfOg] ;fdfgsf] nflu dfq of] ;'ljwf k|bfg

ug'{ kg]{

-3_ gub ljb]zL d'b|f tyf 8«fkm\6÷l6=l6=af6 e'QmfgL ug{ rfxg] cfoftstf{af6 dfly

plNnlvt sfuhftx¿ ;+nUg u/L o;};fy ;+nUg gd"gf adf]lhdsf]

lj=lj=lg=kmf=g+=# -v_ e/fO{ lng'kg]{5 . ;fy}, gub ljb]zL d'b|f÷8«fkm\6÷l6=l6=

pknAw u/fpg] a]nfdf lj=lj=lg=kmf=g+=$-v_ e/L ;DalGwt eG;f/ sfof{nosf]

gfddf k7fpg' kg]{ .

-ª_ tf]lsPsf] cjlwleq eG;f/af6 ;fdfg k}7f/L ePsf] k|dfl0ft x'g] lj=lj=lg=kmf=g+=$

-v_ k]z gug]{sf] xsdf o; ljefudf hfgsf/L lbg'kg]{ .

21

-r_ ;DalGwt a}+s÷ljQLo ;+:yfn] gub ljb]zL d'b|f÷8«fkm\6÷l6=l6=hf/L x'F+bfs} avt

cfoftstf{af6 dfu ePsf] ;6xL /sdsf] !% k|ltzt a/fa/sf] /sd w/f}6Lsf]

¿kdf clgjfo{ ¿kdf lng' kg]{5 . eG;f/ dxz'n k|of]hgsf nflu ;f] w/f}6L /sd

a/fa/sf] r]s hf/L ug]{ / r]ssf] k5fl8 ljj/0f n]Vg] Joj:yf bkmf !=!=% sf] v08

r-$_ adf]lhd ug{'kg]{ .

-5_ lj=lj=lg=kmf=g+=$ -v_ df plNnlvt /sdsf] ;Dk"0f{ dfn;fdfg cfoft ePsf]

v08df dfq w/f}6L afkt hf/L ePsf] !% k|ltztsf] r]s k|of]u ug{ ldNg] .

-h_ tftf]kfgL eG;f/ sfof{nosf] gfddf hf/L ePsf r]sx¿ sf/0fjz /2 ug'{ k/]sf]

v08df o; ljefusf] k"j{ :jLs[lt lng'kg]{ .

pko{'Qm k|s[of k"/f gu/L q]ml86 ;'ljwf cGt/ut cfoft eO;s]sf] dfn;fdfg e'QmfgL ug{

kfOg] 5}g .

!=#=# q]ml86 ;'ljwf cGt/ut ePsf] cfoftsf] cfwf/df e'QmfgL ug{ kfOg] 5}g .

!=#=$ a9Ldf l6=l6=dfkm{t cfoft ug{ tf]lsPsf] ;Ldf;Ddsf] ;fdfg cfoft ug{sf] nflu

8«fkm\6÷l6=l6=sf] dfWodaf6 e'QmfgL k7fpg ;lsg] 5 . l6=l6= dfkm{t cfoft ug{ kfO{g]

;Ldf eGbf a9Lsf] e'QmfgLsf] xsdf k|tLtkqdfkm{t dfq sf/f]jf/ ug'{kg]{5 . o;/L k|tLtkq

sf/f]jf/ ubf{ t];|f] d'n'saf6 x'g] cfoft k|tLtkq sf/f]jf/ ;DaGwL Joj:yfsf ;a}

k|fjwfgx¿ Tfftf]kfgL gfsfaf6 x'g] cfoftsf nflu klg nfu' x'g]5g .

!=#=% o; Joj:yf cGtu{t k|bfg ul/Psf] ;6xL ;DaGwL ljj/0fx¿ cg';"rL !=& adf]lhd k|To]s

dlxgfsf] ! ut]b]lv !% ut];Dd ePsf] sf/f]jf/sf] klxnf] k6s / !^ ut]b]lv d;fGt;Dd

ePsf] sf/f]jf/sf] bf]>f]k6s u/L cjlw ;lsPsf] a9Ldf & lbgleq o; ljefudf k]z ug'{kg]{

5 .

!=$ sRrf pmgsf] cfoft ;DaGwL Joj:yf .

!=$=! l6=l6= dfkm{t ltAataf6 ul/g] sRrf pmgsf] cfoft Joj:yfsf ;DaGwdf M

ltAataf6 cfoft ul/g] sRrf pmgsf] e'QmfgL k|tLtkq afx]s 8«fkm\6÷l6=l6=sf dfWodaf6

ubf{ lgDg k|lqmofx¿ cjnDag u/L kl/jTo{ ljb]zL d'b|f ;6xL pknAw u/fpg ;lsg]5 .

-s_ ;DalGwt cfoftstf{af6 lgj]bg ;lxt qm]tf / laqm]tf jLrsf] ;Demf}tfkq x'g'

kg]{5 . o:tf] lsl;dsf] ;Demf}tfdf lrgLofF /fhb"tfjf; jf g]kfn lxdfno ;Ldfkf/

Jofkf/ ;+3n] k|dfl0ft u/]sf] x'g'kg]{ 5 .

-v_ kmd{ /lhi6«]zg k|df0fkq, cfos/ btf{ k|df0fkq / k|f]kmdf{ OGEjfO; (Proforma

Invoice) ;+nUg x'g'kg]{5 . ;Demf}tf kq (Contract Paper) ePsf] xsdf ;f] ;d]t

lgj]bg ;fy lng'kg]{5 .

-u_ clu|d e'QmfgL u/L sRrf pmg cfoft ug]{sf] xsdf g]kfn lelqPsf] k|df0f :j¿k

eG;f/ k|1fkgkq / e'QmfgL lbPsf] lg:;f k]z ug]{ zt{df dfly v08 -s_ / -v_ df

plNnlvt sfuhftx¿sf] cfwf/df 8«fkm\6 jf l6=l6= sf] dfWodaf6 e'QmfgL x'g] u/L

;6xL ;'ljwf pknJw u/fpg ;lsg]5 .

-3_ sRrf pmg cfoftsf] nflu hf/L x'g] k|tLtkq tyf 8«fk\m6÷l6=l6 / sn]S;gdf

;d]t @ k|ltzt eG;f/ w/f}6L lng' kg]{5 .

-ª_ k|rlnt Joj:yf cg';f/ lj=lj=lg=kmf=g+= $, $-s_ / $-v_ hf/L ug'{ kg]{5 .

-r_ k|rlnt Joj:yf cg';f/ w/f}6L /sdsf] ;DalGwt eG;f/ sfof{nosf] gfddf r]s

hf/L ug'{ kg]{5 .

22

-5_ k|rlnt Joj:yf adf]lhd cfoft x'g] j:t'x¿sf] e'QmfgLsf] nflu ;6xL ;'ljwf

k|bfg ubf{ eG;f/ dx;'n e'QmfgL u/]sf] /l;bsf] ;Ssn k|ltdf ;6xL k|bfg ePsf]

b/kL7 u/]kl5 ;f] ;Ssnk|lt a}+sd} /fvL ;Ssn k|lt a}+sdf /x]sf] Joxf]/f k|dfl0ft

u/L ;f]sf] k|ltlnlk ;DalGwt cfoftstf{nfO{ lbg' kg]{5 .

-h_ k|rlnt Joj:yf adf]lhd j:t' cfoft ePsf] k|dfl0ft x'g] cGo sfuhftx¿sf ;fy}

Jofkfl/s aLhs -Commercial Invoice_ / 9'jfgL ;DaGwL sfuhft -Transport

Document_ sf k|ltlnlk ;d]t lng' kg]{5 .

-em_ rLgsf] :jzfl;t If]q ltJjtaf6 x'g] sRrf pmg ltJjtl:yt lgof{tstf{af6} cfoft

u/L ;f]sf] e'QmfgL klg ;f]xL lgof{tstf{sf] ltJjt l:yt a}+s vftfdf hDdf x'g'

kg]{5 .

-`_ q]ml86 ;'ljwf cGt/ut cfoft ug{ kfOg] 5}g .

-6_ 8«fkm\6, l6=l6 tyf sn]S;g dfkm{t cfoft ubf{ ;f] ;DaGwL cGo Joj:yfx¿ o:tf]

cfoftdf klg kfngf ug{'kg]{5 .

!=$=@ k|tLtkq dfkm{t ul/g] sRrf pmgsf] cfoft Joj:yf M

-s_ ljb]zaf6 sRrf pmg k}7f/L ubf{ k|rlnt Joj:yfsf] cwLgdf /xL vf]lng]

k|tLtkqdf ;f] sRrf pmg $–^ -OGr_ nDafOsf] x'g'kg]{ 5 . sRrf pmg $–^ -OGr_

nDafO{sf] x'g'kg]{ zt{ rLgsf] :jzfl;t If]q ltJjt afx]s cGo d'n'saf6 x'g] sRrf

pmg cfoftsf] nflu dfq nfu' x'g]5 . ;fy} o:tf] k|tLtkq vf]Nbf Jofkf/ tyf

lgof{t k|j4{g s]Gb|||sf] l;kmfl/; clgjfo{ ¿kdf ;+nUg x'g'kg]{5 .

-v_ kl/kqsf cGo zt{x¿ k"/f u/L rLgsf] :jzfl;t If]q ltAataf6 ;d]t k|tLtkq

dfk{mt sRrf pmg cfoft ug{ ;lsg]5 .

-u_ ljlwjt btf{ eO{ cg'dlt k|fKt u/]sf :j]6/ pBf]ux¿nfO{ cfjZos kg]{ @–# -OGr_

nDjfO{ / !$–@( dfOqmf]g df]6fO{sf] sRrf pmg ;d]t tf]lsPsf] l:sd adf]lhdsf]

kl/df0fdf Jofkf/ tyf lgsf;L k|j4{g s]Gb|sf] l;kmfl/; adf]lhd k|tLtkqsf]

dfWodaf6 cfoft ug{ ;lsg]5 .

-3_ sRrf pmg cfoftsf] nflu hf/L x'g] k|tLtkq tyf 8«fk\m6÷l6=l6 / sn]S;gdf

;d]t @ k|ltzt eG;f/ w/f}6L lng' kg]{5 .

-ª_ k|rlnt Joj:yf cg';f/ lj=lj=lg=kmf=g+= $, $-s_ / $-v_ hf/L ug'{ kg]{5 .

-r_ k|rlnt Joj:yf cg';f/ w/f}6L /sdsf] ;DalGwt eG;f/ sfof{nosf] gfddf r]s

hf/L ug'{ kg]{5 .

!=% kl/jTo{ ljb]zL d'b|fdf vftf x'g] lgsfon] ef/taf6 k|tLtkq dfkm{t cfoft ug]{ Joj:yf .

kl/jTo{ ljb]zL d'b|fdf vftf x'g] b]xfosf lgsfon]] kl/jTo{ ljb]zL d'b|fdf e'StfgL x'g] u/L] ef/taf6

cfoft ug{ cg'/f]w u/]df b]xfo cg';f/sf] k|lqmof k"/f u/L cf–cfˆgf] kl/jTo{ ljb]zL d'b|fsf]

vftfaf6 vr{ Joxf]l/g] u/L v'nf Ohfht (Open General License-OGL) cGtu{tsf ;fdfg

k|tLtkqsf] dfWodaf6 cfoft ug{ ;lsg] 5 .

!=%=! k|tLtkq vf]Ng u|fXo x'g] cfoftstf{x¿ M

-s_ bft[ ;+:yfsf] gfddf vf]n]sf] ljb]zL d'b|f vftfjfnf,

-v_ ljb]zL d'b|f vftf ePsf s'6g}lts lgof]ux¿,

-u_ ljb]zL d'b|f vftf ePsf ljb]zL gful/s tyf ljb]zL ;+3 ;+:yfx¿

-3_ Unf]jn 6]08/ cGtu{t 7]Ssf k|fKt ug]{ ljb]zL d'b|fsf] vftf ePsf g]kfnL tyf ljb]zL

7]s]bf/x¿ .

23

!=%=@ k|tLtkq vf]Nbf lgDgfg';f/sf] k|lqmof k"/f ug'{kg]{5 M

-s_ ;DalGwt lgof{tstf{n] kl/jTo{ ljb]zL d'b|fdf hf/L u/]sf] Proforma Invoice k]z

ug'{kg]{5 .

-v_ Unf]jn 6]08/ cGtu{t 7]Ssf k|fKt ug]{ g]kfnL tyf ljb]zL 7]s]bf/x¿n] ug]{ cfoftsf]

xsdf g]kfn ;/sf/sf] ;DalGwt lgsfo -dGqfno, ljefu / cfof]hgf_ af6 cfoft

ul/g] ;fdfgx¿ pQm cfof]hgfsf] nflu xf] eGg] l;kmfl/;kq clgjfo{ ¿kn] lng'kg]{

5 .

-u_ :jb]zL jLdf sDkgLaf6 jLdf u/fO{ Cost & Freight (CFR, CPT) g]kfn eG;f/ gfsf

pNn]v eO{ ePsf] cfoftsf] xsdf 9'jfgL ef8f ;d]t kl/jTo{ ljb]zL d'b|fdf e'StfgL

ug{ ;lsg]5 . t/, CIF g]kfn eG;f/ gfsf pNn]v eO{ ePsf] cfoftsf] xsdf eg]

9'jfgL ef8f / jLdfsf] /sd ef/tLo d'b|fdf g} e'StfgL ug{' kg]{5 .

-3_ k|tLtkq ;DaGwL cGo k|rlnt Joj:yfx¿ ;j} kfngf ug'{kg]{5 .

!=^ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L k|tLtkq dfkm{t ef/taf6 cfoft ug{ kfOg] dfn;fdfgx¿ tyf

cfoft ubf{ ckgfpg'kg]{ k|lqmof .

!=^=! b]xfo adf]lhdsf gfd tyf xfdf]{lgs sf]8 ePsf j:t'x¿ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g]

u/L ef/taf6 k|tLtkq dfkm{t k}7f/L ug{ ;6xL ;'ljwf pknAw u/fpg ;lsg] 5 .

s|=;+

= xfdf]{lgs sf]8 j:t'x¿

1

1302.11.00, 1302.12.00, 1302.13.00, 1302.14.00, 1302.19.00, 1302.20.00

Extracts

2 21=06=90=40 Soft Drink Concentrate

3 2710.19.50 Furnace Oil

4 27=13=20 Bitumen

5 28 ;j} cf}Bf]lus /;fogx¿ -dfgj cf}ifwL agfpg] s]ldsn afx]s_

6 28=03 Carbon Black

7 29=01=10 L.L.P. (Light Liquid Paraffin )

8 2902.20.00 (Benzene) / 2902.30.00(tolune)

Benzene/Tolune

9 29=05=11 Methanol

10 29=05=16=00 2-Ethyl Hexanol

11 29=05=31 Ethylene Glycol

12 29=05=44=00 Sorbitol

13 2918.23.00 Methyl Salicylate

14 29=15=21=00 Acetic Acid

15 29=15=32 Vinyl Acetate Monomer

16 29=16=12 Butyl Acraylate Monomer / 2-Etyl Hexyls Acrylate

17 2917.39.00 Dibutyl Phthalate

18 29=17=35 Phthalic Anhydride

19 29=17=36 Terephthalic Acid

24

20 29=22 Oxygen Function Amino-Compounds

21 29=24 Carboxamide Function Compounds

22 29=33 Heterocyclic Compounds

23 29=34 Nucleic Acids

24 29=41 Antibiotics

25 32=15 Printing Ink

26 33=02=90 Flavour - '̂yk]i^df k|of]u x'g] sRrf kbfy{, Odoriferous

Substances / Perfume

27 34=02=90=10 LABSA -l*^/h]G^df k|of]u x'g] sRrf kbfy{_

28 3817=00=00 Mixed Alkyl benzenes

29 38=23=11=00 Stearic Acid

30 38=23=19=00 Palm Steearin DFA / Palm Karnel DFA

31 39=01=10 /

39=01=20 Polyethylene

32 39=02=10 Polypropylene

33 39=03=19=00 Polysterence

34 39=05=30 Poly Vinyl Alcohol

35 3907.61.00 / 3907.69.00 Plastic Pet Chips / Pet Resin

36 39=11=90 PVC Resin

37 39=20 Polyethylene

38 39=20=20 Polypropylene Films/Noodle Strapper

39 3920.99.10 Printed Laminated Web

40 39=20=59=00 Seasoning Wrapper

41 40=01 k|fs[lts /a/ (Natural Rubber)

42 40=02 l;Gy]l^s /a/ (Synthetic Rubber)

43 48=01=00=00 News Print Paper

44 48.02 / 48.06 sfuhx¿ (Papers)

45 48=10 Paper

46 50=04 / 50=05 l;Ns ofg{ (Silk Yarn)

47 51=06 pgL ofg{ Yarn of Carded wool -xf]lhof/L afx]s_

48 51=07 pgL ofg{ Yarn of Combed wool -xf]lhof/L afx]s_

49 51=08 pgL ofg{ Yarn of fine animal hair -xf]lhof/L afx]s_

50 52=01 skf;

51 52=05 / 52=06 ;'ltofg{

52

52=05=11 b]lv 52=05=14

;Dd 52=06=11 b]lv

52=06=14 ;Dd

s^g ofg{ / ofg{

25

53 54.02

%$)@ df pNn]v ePsf] s[ltd ofg{ -%$=)@=$^ df pNn]lvt

Partially Oriented Polyster Yarn / %$=)@=$( df pNn]lvt

Synthetic Filament Yarn afx]s _

54 %$=)@=$^ kf]lni^/ kfl;{onL cf]l/G ]̂* ofg{

55 54=02=49 Synthetic Filament Yarn

56 54=03, 55=09, 55=10 s[lqd ofg{ -xf]lhof/L ofg{ afx]s_

57 55=01, 55=02, 55=03,

55=04, 55=06, 55=07 dfgj lgld{t s[lqd kmfOj/x¿

58 55=03=20 kf]lni^/ kmfOj/

59 55=04=10 le:sf]h /]og Viscose Rayon -kmfOj/_, Viscose Staple Fibre

60 59=02 ^fo/ s*{ km]lj|s (Tyre Cord)

61 70=10=90=00 Carboys, Bottles, Plasks, Jar,Pots.

62 7203=10=00 Sponge Iron

63 72=04=49 M. S. Scrap

64 72=06 kmnfd Oguf]^ (Iron Ingot)

65 72=07 dfON* l:^n aLn]^ (M S Billet)

66

7208.27.00, 7208.36.00, 7208.37.00, 7208.38.00, 7208.39.00

x^/f]n l;^ Og Sjfon (Hot rolled sheet in coil)

72=08=51 / 72=08=52 x^/f]n l;^ g^ Og Sjfon (Hot rolled sheet not in coil)

67 7209.15.00, 7209.16.00,

7209.17.00, 7209.18.00 sf]N*/f]n l;^ Og Sjfon (Cold rolled sheet in coil)

68 72=10=12 l^g Kn]^ (Tin Plate)

69 72=11=14=00 Hot Rolled Sheet in Coil

70 72=11=19=00 Hot Rolled Sheet in Coil

71 72=13=91=10 Pd=P;= jfo/ /* Og Sjfon (M S rod in coil)

72 72=17=20, 72=17=30

72=17=90 Bead Wire -sk/ sf]^]*_

73 72=18=99 l:^n Ao'd

74 72=19 l:^n Kn]^

75 72=26=11 Silicon Steel

76 74=04=00=00,

76=02=00=00

sk/ j]i6 / :qmofk (Copper Waste and Scrap) cfNd'lgod j]i6 / :qmofk (Aluminum Waste and Scrap) -b'j} j:t' jftfj/0f, lj1fg tyf k|ljlw dGqfnosf] ;"rgf adf]lhd dfq _

77 74=07=10=00 Copper Rods

78 74=08=11=00 Copper Wire

26

79 76=01 cfNdf]lgod Ogu^ aLn]^

80 76=04 / 76=05 cfNdf]lgod /* Og Sjfon

81 76.08 Tubes

82 79=01=11=00 Zinc

83 79=01=20 Zinc Alloy

84 83=09=10=00 Metal Crown Corks

85 84 ;Dk")f{ d]l;g/L pks/)fx¿ -kf {̂k'hf{ afx]s_

86 85=01, 85=02 ljB'tLo df]6/, h]g]/]l6ª ;]6

87 85=04=90 Amorphous Metal cores

88 85=07=90=00 PP Battery Container & Battery Separator

89 8529.90.10 Spare Parts for TV Receiver

90 85=40=11 TV Picture Tube

91 efu pNn]v gePsf] tof/L kf];fs lgof{t pwf]un] cfkmgf] kl/jTo{ ljb]zL d'b|f cfh{gsf] 50

k|ltzt ;Ddsf] cfh{gn] vfDg] u/L sRrf kbfy{sf] ?kdf cfoft ug{ kfpg] sk*f (Fabrics)

5209.32.00 Cotton Fabrics

5209=42=00 Denim Fabrics

6006=21=00 Cotton Knitted Fabrics

6006=90=00 Others Fabrics

9607=11=00 Metal Zipper

9607=19=00 Plastic Zipper

92 17.02.30 Dextrose Anhydrous I.P. / eG;f/ ljefuaf6 jlu{s[t Glucose and

Glucose Syrup

93 @%=@#=!)=)) lSnÍ/

94 2710.19.93 Pd=6L=cf]= -ldg/n 6/k]G6fO{g cfon_

95 2710.19.99 k]6«f];f]n

96 @(=!^ Unsaturated Acyclin Monocarboxylic Acid

97 29.35 Sulphonamides, Sulphamethoxazole, Sulphafurazole, Sulphadiazine, Sulphadimidine, Sulphacetamide

98 29.35 Sulphamethoxazole

99 29.35 Sulphafurazole

100 29.35 Sulphadiazine

101 29.35 Sulphadimidine

102 29.35 Sulphacetamide Sulphamethoxy,pyridarine, Sulphamethiazole, Sulphamoxole,Sulphamide:

103 29.35 Sulphamethoxy, pyridarine

104 29.35 Sulphamethiazole

105 29.35 Sulphamoxole

106 29.35 Sulphamide

107 29.42 Other Organic Compounds

108 2707.30 / 2707.40 hfolng, nfO^ ;f]ne]G^ g]Kyf

109 33.02.10 P;]G; km\n]j/

110 (^)@=))=)) Geltain Capsules (Empty)

27

111 2905.42.00 k]+6f P/Ly|L6f]n

112 39.20 Polyester, Polythelyne, BOPP,Pvc, OPP,CPP sf Film

113 3921.90.10 lk|G6]8 ¥ofk/

114 39.23.90 Knfli6s nlnkk :6Ls

115 48.23.90 (76.07.20) r'OËd ¥ofk/

116 70.10.20 Stoppers, Lids and Other Closures

117 72.01.10.00 lku cfO/g

118 72.11.23 CRCA Strips (76.20 MM)

119 76.07 Aluminum foils

120 79.01.12.00 Zinc

121 85.04.22.00 3000 KVA Transformer

122 72.28.20.00 Flat Spring

123 78.01.10.00 Pure /Refined Lead

124 78.01.91.00 Antimony lead Alloy

125 2905.13.00 N Butanol

126 2905.14.00 ISO Butanol

127 7216.22.00 P+un

128 7216.40.00 P+un

129 7216.50.00 P+un

130 7606.91.00 cfNdf]lgod ;s{n

131 2912.60.00 Parafarmaldehyde

132 2933.61.00 Melamin

133 3824.99.00 Alkyl Ester (Bio-Fuel)

134 1520.00.00 Glycerol (Glycerine)

135 2711.19.00 LP Gas -pkef]Uo OGwg_

136 &$)#=!!=)) Cathodes and Sections of Cathodes

137 76.05 cfNdf]lgod jfo/ /8

138 24=01 Unmanufactured Tobacco, Tobacco Refuse

139 24=03 Other manufactured tobacco and manufacture tobacco substitutes homogenized Or reconstistuted tobacco extracts and essences cut tobacco, Process tobacco.

140 2918=16=00

Carboxylic acids with additional oxygen function and their anhydrides, halides, peroxides and2peroxyacids; their halogenated, sulphonated, nitrated or nitrosated derivatives. -Carboxylic acids with2alcohol function, but without other oxygen function, their anhydrides, halides, peroxides, peroxyacids and their derivatives. Calcium Gluconate (Gluconic acid, its salts and esters)

141 3505=10=00

Dextrins and other modified starches (for example, pregelatinised or esterified starches) ; glues based on starches, or on dextrins or other modified starches. -White Dextrine (Dextrins and other modified starches)

142 7403=21=00 Refined copper and copper alloys, unwrought -Copper alloys: -Copper-Zink base alloyes (brass)

143 7405=00=00 Master alloys of Copper

144 7407=21=00 Copper bars, rods and profiles. -Of copper alloys: -Of Copper-Zink base Alloyes (brass)

145 7408=19=00 Copper wire. Of refined copper: -Others (of refinded Copper)

28

146 7408=21=00 Copper wire. -Of copper alloys:-Of Copper- Zink base alloyes (brass)

147 7409=11=00 Copper plates, sheets and strip, of a thickness exceeding 0.15 mm. -Of refined copper: -In Coils

148 7409=19=00 Copper plates, sheets and strip, of a thickness exceeding 0.15 mm. -Of refined copper: -Others

149 7409=29=00 Copper plates, sheets and strip, of a thickness exceeding 0.15 mm. -Of copper-zinc base alloys (brass): -Others

150 7409=39=00 Copper plates, sheets and strip, of a thickness exceeding 0.15 mm. -Of copper-tin base alloys (bronze): -Others

151 7409=40=00 Copper plates, sheets and strip, of a thickness exceeding 0.15 mm. -Of-Copper-Nickel base alloys (Cupronickel) or Copper Nickel-Zinc base alloys (Nickel Silver)

152 7411=10=00 Copper tubes and pipes. -Of refined Copper

153 7411=21=00 Copper tubes and pipes. -Of Copper-Zinc base alloys (brass)

154 7411=22=00 Copper tubes and pipes. -Of Copper-Nickel base alloys (Cupronickel of Copper-Nickel-Zinc base alloys (Nickel Silver)

155 7606=91=00 Aluminium plates, sheets and strip, of a thickness exceeding 0.2 mm. -Rectangular (including square): -Of Aluminium, not alloyed

156 7608=10=00 Aluminium tubes and pipes. -Of Aluminium, not alloyed

157 7608=20=00 Aluminium tubes and pipes. -Of Aluminium alloys

158 2710.19.92 Transformer Oil

159 8544.11.00 Rectangular Enameled (Insulated) Copper Wire/Strip

160 8546=20=00 Ceremics Bushings (Electrical Insulators)

161 2008=99=10 Mango Pulp

162 3923.50.00 Closure

163 3923.30.10 Pre-form

!=^=@ bkmf !=^=! df plNnlvt j:t'x¿ kl/jTo{ ljb]zL d'b|f vr{ u/L ef/taf6 cfoft ubf{ lgDg

adf]lhdsf] k|lqmof ckgfpg'kg]{ 5 .

-s_ plNnlvt dfn;fdfgx¿ k|tLtkq dfkm{t dfq cfoft ug'{kg]{5 .

-v_ ef/tsf] pTkfbgstf{ kmd{÷sDkgLaf6 dfq To:tf dfn;fdfg cfoft ug'{ kg]{5 . olb

s'g} ef/tLo pTkfbgstf{ kmd{÷sDkgLn] cfkm'n] pTkfbg u/]sf] ;fdfg cfk}mn] a]Rg]

geO{ cfˆgf] Sole Agent af6 dfq ljqmL ljt/0fsf] sfo{ ug]{ u/]sf] cj:yf ljBdfg

ePdf To:tf Sole Agent af6 klg kl/jTo{ ljb]zL d'b|fdf ef/taf6 tf]lsPsf

j:t'x¿ cfoft ug{ ;lsg]5 . o;sf nflu pTkfbgstf{ kmd{÷sDkgLaf6 tf]lsPsf]

Sole Agent ePsf] k|df0fkq lng'kg]{5 . k|tLtkqsf sfuhftx¿sf ;fydf Letter of

Undertaking-LUT/Bond No. ;d]t pNn]v ePsf] ;DalGwt pTkfbgstf{ jf Sole

Agent af6 hf/L ul/Psf] z'Go PsLs[t j:t' tyf ;]jf s/ nfu]sf] -Zero Integrated Goods and Services Tax—IGST Free) Tax invoice ;+nUg ePsf] x'g'kg]{5 .

-u_ g]kfndf btf{ ePsf pTkfbgd"ns cf}Bf]lus kmd{, phf{d"ns pBf]ux¿, g]kfndf

ljlwjt ?kdf btf{ ePsf lgdf{0f Joj;foLx¿ / kq–klqsf k|sfzg ug]{ k|sfzg

u[xx¿ nufotn] dfly plNnlvt dfn;fdfgx¿ cfoft ug{ kfpg]5g\ .

;fy} :s"n, sn]h, o'lgel;{6L, xl:k6n, gl;{Ëxf]d nufotsf ;+ul7t lgsfo

-Joltm ljz]if afx]s_ x¿nfO{ klg cfkmgf] k|of]hg -Jofkfl/s k|of]hgsf] nflu afx]s_

sf] nflu dfq Generator Set -xfdf]{lgs sf]8 g+=*%=)! / *%=)@ df pNn]v ePsf]_

cfoft ug{ lbg ;lsg]5 .

29

-3_ kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L dfly plNnlvt j:t'x¿ ef/taf6 cfoft ug{

kfOg] Joj:yf adf]lhd vf]lnPsf k|tLtkqx¿ cGt/ut e'QmfgL k7fpFbf 9'jfgL tyf

ljdf z'Ns afktsf] xsdf ef/tLo ¿kF}ofdf dfq e'QmfgL ug'{kg]{5 .

!=^=# k|To]s k|tLtkqdf clgjfo{ ¿kdf lgDg Joxf]/f pNn]v ug{'kg]{5 .

-s_ k|To]s k|tLtkq cGtu{t z'Go PsLs[t j:t' tyf ;]jf s/ nfu]sf] -Zero Integrated

Goods and Services Tax—IGST Free) Tax invoice ;+nUg ePsf] x'g'kg]{ 5 . ;fy}, ;f]

Tax Invoice df LUT/Bond No. clgjfo{ ?kn] pNn]v ePsf] x'g'kg]{5 .

t/, lgof{tstf{ ef/tsf] ljz]if cfly{s If]q (Special Economic Zone) leqsf] lgsfo

xf] eg] To:tf] lgof{tsf] xsdf dfly plNnlvt sfuhft cfjZos kg]{ 5}g . t/,

To:tf] lgof{t ljz]if cfly{s If]q (Special Economic Zone) af6 g} ePsf] Joxf]/f

;DalGwt ef/tLo eG;f/af6 k|dfl0ft eO{ cfPsf] x'g' kg]{5 .

-v_ o:tf] k|tLtkq cGtu{t lgodfg';f/ hf/L ul/g] lj=lj=lg=kmf=g+=$ df cGo Joxf]/fsf]

cltl/Qm dfly bkmf !=^=# sf] v08 -s_ df Joj:yf eP adf]lhdsf] sfuhftdf

plNnlvt Tax invoice gDa/ / ldlt clgjfo{ ¿kn] pNn]v ug'{ kg]{5 .

-u_ g]kfn tof/L kf];fs pBf]u ;+3n] l;kmfl/; u/]sf] cfwf/df g]kfnsf tof/L kf];fs

pBf]ux¿n] kl/jTo{ ljb]zL d'b|f e'QmfgL x'g]u/L ef/taf6 cfoft ug]{ kfj/n'd sk8f,

ofg{ 8fO{8 sk8f -;'tL /]og cflb_ / lg6]8 sk8fsf] xsdf ;d]t IGST Free Tax

Invoice ;+nUg ug{'kg]{5 .

!=^=$ cfoftsf] nflu ;+nUg x'g'kg]{ sfuhftx¿

-s_ ef/tLo pTkfbgstf{sf] k|f]kmdf{ OGEjfO; (Proforma Invoice) jf ;Demf}tf .

-v_ g]kfnL cfoftstf{sf] kmd{ jf sDkgL btf{ k|df0fkq .

-u_ cfos/ btf{ k|df0fkq .

!=^=% o;} kl/kqsf] bkmf !=^=! cGtu{tsf] s|=;+= $^, $&, $* / $( cGtu{t kg]{ j:t'x¿

cfoft ubf{ lgDg adf]lhdsf yk k|lqmofx¿ k'¥ofpg' kg]{5 M

-s_ 7"nf sk8f pBf]ux¿nfO{ cfjZos x'g] wfuf]x¿sf] xsdf g]kfn pBf]u jfl0fHo

dxf;+3sf] l;kmfl/;df g]kfn ;/sf/, pBf]u ljefun] :jLs[lt k|bfg u/] adf]lhd

k|tLtkq vf]nL cfoft ug'{kg]{ 5 .

-v_ ef/tsf] pTkfbgstf{ kmd{÷sDkgLaf6 dfq cfoft ug'{kg]{ 5 .

-u_ g]kfndf btf{ ePsf] sk8f pTkfbg ug]{ cf}Bf]lus kmd{n] dfq cfoft ug{' kg]{5 .

!=^=^ dfly bkmf !=^=! sf] s|=;+=^% cGtu{tsf] dfON8 l:6n aLn]6 cfoft ubf{ k'¥ofpg'kg]{ yk

k|lqmof M

ef/taf6 kl/jTo{ ljb]zL d'b|fdf e'QmfgL x'g] u/L kmnfd] 58 pTkfbg ug]{ pBf]ux¿n]

Pd=P;= aLn]6 cfoft u/]sf]df To:tf pBf]ux¿n] Original Document k]z geP tfklg

Copy Document sf] cfwf/df lj=lj=lg=kmf=g+=$ hf/L ug{ cg'/f]w u/]df lgDg zt{ cGtu{t

/xL lj=lj=lg=kmf=g+=$ hf/L ug{ ;lsg] 5 .

-s_ cfoft x'g] dfn;fdfg j:t'sf] d"No a/fj/sf] Uof/]G6L lng'kg]{ t/ cfoft k|tLtkqsf]

Document cg';f/sf] ;Dk"0f{ /sd e'QmfgL ug]{sf] xsdf Uof/]G6L lng' gkg]{ .

-v_ Copy Document sf] cfwf/df lj=lj=lg=kmf=g+=$ hf/L ePsf] ldltn] $% lbgleq

Original Document k]z eO{ ;Sg' kg]{, cGoyf ;f]xL cfoftstf{nfO{ k'gM Copy Document sf] cfwf/df lj=lj=lg=kmf=g+=$ hf/L ug{ gldNg] . ;fy}, o:tf] Dofb leq

30

Original Document k]z gePsf k|tLtkqx¿sf] ljj/0f ;f] Dofb ;dfKt ePsf] &

lbgleq o; ljefudf k]z ug{' kg]{ . o; k|of]hgsf] nflu k|tLtkq gDa/ / rnfg

eO{ cfpg] ;fdfgx¿sf] kl/df0f :ki6 ePsf] Consignment Note/Carrier Note sf]

Fax Copy nfO{ klg Copy Document sf] ¿kdf lng ;lsg] .

-u_ Original Document k|fKt ePkl5 Copy Document ;Fu Verify ug'{kg]{ .

syd\sbflrt\ km/s ePsf] kfOPdf To:tf k|tLtkqx¿sf] ljj/0f o; a}+sdf k]z

ug{'kg]{ / o; ljefuaf6 Clearance k|fKt ePkl5 dfq To:tf cfoft;Fu ;DalGwt

Uof/]G6L k'ms'jf ug{ kfOg] .

-3_ dfly plNnlvt bkmf !=^=# df plNnlvt ;a} Joj:yfx¿ oyfjt\ /xg]5g\ .

!=^=& dfly bkmf !=^=! sf] l;=g+=(! cGt/utsf] sk8f cfoft ubf{ k'¥ofpg' kg]{ yk k|lqmof M

-s_ sRrf kbfy{sf] ¿kdf k|of]u ul/g] sk8f cfoft ug{sf] nflu k|tLtkq vf]Ng g]kfn

tof/L kf];fs pBf]u ;+3sf] l;kmfl/; clgjfo{ ¿kdf x'g'kg]{ .

-v_ ef/tdf ljlwjt\ btf{ ePsf] lgof{t ug]{ kmd{÷sDkgL dfkm{t klg pko{'Qm sk8f

cfoft ug{ ;lsg]5 . t/, lgof{t ug]{ kmd{ sDkgLnfO{ ef/tsf] The Director General

of Foreign Trade n] k|bfg u/]sf] sf]8 gDa/ ;DaGwL sfuhft clgjfo{ ¿kdf

;DalGwt a}+sdf k]z x'g'kg]{ 5 .

-u_ kl/jTo{ ljb]zL d'b|f cfh{g x'g] d"n k|tLtkq /sd dWo] %) -krf;_ k|ltzt /sd

ggf£g] u/L Back to Back L/C vf]nL ef/taf6 sRrf kbfy{ sk8f cfoft ug{

;Sg]5 .

-3_ o;/L cfoft ug]{ sRrf kbfy{ sk8fsf] e'QmfgL pQm sk8faf6 tof/L kf];fs agfO{

lgof{t u/]kl5 k|fKt x'g] e'QmfgLaf6 dfq ug'{ kg]{5 .

-ª_ Ol/ef]s]jn Pn=;L=(Irrevocable L/C) cGtu{t dfq o;k|sf/sf] Back to Back L/C vf]Ng ldNg]5 .

!=^=* dfly bkmf !=^=! sf] s|=;+= ^# df plNn]lvt M.S. Scrap sf] cfoft ubf{ g]kfn ;/sf/,

jftfj/0f, lj1fg tyf k|ljlw dGqfnosf] k"j{ :jLs[lt clgjfo{ ¿kn] lng' kg]{5 .

!=^=( dfly bkmf !=^=! s|=;+= !#% df /x]sf] LP Gas sf] xsdf g]kfn ;/sf/af6 LP Gas cfoft

/ yf]s ljqmL Ohfht k|df0f–kq k|fKt sDkgLx¿n] dfq cfoft ug{ kfpg] 5g\ .

!=& k|tLtkq ljgf 8«fˆ6÷l6=l6= sf] dfWodaf6 x'g] j:t' cfoft ;DaGwL Joj:yf M

ef/t afx]s t];|f] d'n'sx¿af6 kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L ;fdfg cfoft ubf{ ;f]sf]

e'QmfgL 8«fkm\6÷l6=l6= af6 ug]{ ;DaGwdf lgDg adf]lhd ug{' kg]{5 .

!=&=! cfoftstf{ ljlwjt ¿kdf g]kfn ;/sf/sf] ;DalGwt lgsfodf btf{ ePsf] x'g'kg]{ 5 .

!=&=@ gjLs/0f ug'{kg]{ eP gjLs/0f ;d]t ePsf] cfos/ btf{ k|df0fkq ;+nUg x'g'kg]{ 5 .

!=&=# /sd v'Ng] k|f]kmdf{ OGEjfO; (Proforma Invoice) ;+nUg x'g'kg]{ 5 . pQm, k|f]kmdf{

OGEjfO;df cffoft ul/g] j:t'sf] HS Code, gfd, kl/df0f, k|lt OsfO{ d'No, s'n d'No /

;fdfg lelqg] eG;f/ laGb' ;d]t pNn]v x'g'kg]{5 . ;fy}, lj=lj=lg= kmf=g+= $-s_ hf/L ubf{

;f]xL adf]lhd hf/L ug{'kg]{5 .

!=&=$ 8«fkm\6÷l6=l6=dfkm{t e'QmfgL k7fpFbf Supplier sf] gfpFdf dfq e'QmfgL k7fpg ;lsg]5 .

!=&=% o:tf] ;6xL ;'ljwf a9Ldf Ps k6sdf cd]l/sL 8n/ #),))) -tL; xhf/_ jf ;f]

a/fj/sf] kl/jTo{ ljb]zL d'b|f;Ddsf] nflu dfq k|bfg ug{ ;lsg]5 . o;/L l6=l6= dfkm{t

;6xL k|bfg ubf{ cd]l/sL 8n/ @%,))) eGbf a9L ljb]zL d'b|fsf] ;6xL pknAw u/fpFbf

31

Beneficiary sf] Business Credibility Information lng] Aoj:yf ldnfpg' kg]{ 5 . ;fy},

;DalGwt kmfOndf ;f]sf] clen]v /fVg'kg]{5 .

-s_ ;fv ;"rgf g]kfnl:yt o:tf] sfd ug]{ s'g} lgsfo jf g]kfndf zfvf sfof{no

ePsf cGt/f{li6«o s'g} k|ltli7t lgsfox¿sf] k|ltlglwdfk{mt ;DalGwt a}+s cfk}mn]

;fv ;"rgf lng' kg]{5 .

-v_ Credit Risk jf High Credit Risk jf Rating not Determined eGg] h:tf Joxf]/f pNn]v

eO{ cfPsf] xsdf l6=l6=vf]Ng' k/]df ;fdfGo cj:yfdf h'g txaf6 l6=l6=vf]Ng

cg'dlt lgsf;f x'G5 ;f] txeGbf Ps txdflysf] lgsf;f clgjfo{ ?kn] lng'kg]{5 .

Rating :ki6 pNn]v geO{ Satisfactory/Good Conduct of Account dfq pNn]v 5 eg]

To:tf] cj:yfdf ;f] cg'dlt cfjZos kg]{ 5}g .

-u_ Ps k6s lnOPsf] o:tf] Jofkfl/s ;fv ;"rgf (Business Credibility Information) Ps jif{;Ddsf nflu dfq dfGo x'g]5 .

!=&=^ o; Joj:yf cGt/ut Pp6f Beneficiary n] e'QmfgL kfpg] u/L Pp6} Applicant åf/f

cd]l/sL 8n/ #),))) -tL; xhf/_ jf ;f] a/fj/sf] kl/jTo{ ljb]zL d'b|f eGbf a9L x'g]

u/L o:tf] ;'ljwf k|bfg ug{ kfOg] 5}g . Pp6} Beneficiary nfO{ cd]l/sL 8n/ #),))) -

tL; xhf/_ e'QmfgL lbO{ ;s]kl5 ;f] afktsf] ;fdfg Shipment geO{ l6=l6=dfk{mt csf]{

e'QmfgL k7fpg ;lsg] 5}g . ;f] Applicant åf/f ;f]xL a}+s jf cGo a}+s dfkm{t ;f]xL

Beneficiary nfO{ kl5Nnf] & sfo{lbgleq 8«fˆ6÷l6=l6 af6 /sd gk7fPsf] / ;f]xL

Beneficiary af6 8«fˆ6÷l6=l6 cGtu{tsf] dfn;fdfg Shipment x'g afFsL g/x]sf] cg';"rL

!=* adf]lhdsf] :j3f]if0ff lng'kg]{5 .

!=&=& o; ;'ljwf cGtu{t ;fdfg Psd'i6 l;kd]06 x'g] k|ltj4tf k|fKt ePdf k6s k6s -

Partially_ u/L cd]l/sL 8n/ #),))) -tL; xhf/_ df ga9\g] u/L /sd k7fpg ;lsg]5

. t/, To:tf] ;fdfg cl3Nnf] k6s ;6xL lnPsf] () lbg leq cfoft ul/;Sg' kg]{5 .

!=&=* o:tf] ;'ljwf cGtu{t ;fdfg cfoft ubf{ clgjfo{ ¿kn] Airwaybill/Shipment/Transport Document k]z ePsf] x'g'kg]{5 . Hand Carry u/L ;fdfg Nofpg]sf] xsdf of] ;'ljwf

pknJw x'g] 5}g .

!=&=( o; Joj:yf cGtu{t cfoft x'g] a9Ldf cd]l/sL 8n/ %)) -kfFr;o_ ;Dd d"Nosf nQf

sk8f, >[+uf/sf lSnk÷sfF6f, h'Qf, rKkn, vfg]s'/f h:tf j:t' dfqsf nflu Airwaybill/

Shipment/Transport Document cfjZos gx'g] t/ lqe'jg ljdfg:yn eG;f/ sfof{nosf]

sfpG6/ l8kf]lh6 /l;bsf] k|ltlnlk x'g'kg]{ 5 .

!=&=!) ef/tsf] sf]nsftf tyf ljzfvfktgd aGb/ufx eO{ t];|f] d'n'saf6 cfoft x'g] j:t'x¿sf]

xsdf k|tLtkq gvf]lnPsf xsdf g]kfn ;/sf/, g]kfn ;/sf/, pBf]u jfl0fHo tyf cfk'lt{

dGqfno, jfl0fHo, cfk'lt{ tyf pkef]Qf ;+/If0f ljefun] hf/L ug]{ Ohfhtkq cfjZos kg]{

x'Fbf ;f] Joxf]/f sf]nsftf tyf ljzfvfktgdaf6 cfoft ug]{ k|To]s cfoftstf{nfO{ a}+sn]

clgjfo{ ¿kdf hfgsf/L u/fpg' kg]{5 .

!=&=!! v'Nnf Ohfht (OGL) cGtu{tsf ;fdfgx¿sf] nflu dfq of] ;'ljwf k|bfg ug{ ;lsg]5 .

!=&=!@ o; k|of]hgsf] nflu k|bfg ul/Psf] 8«fkm\6÷l6=l6=sf] ldlt pko{'Qm sfpG6/ l8kf]lh6

/l;bsf] ldlteGbf cl3sf] x'g'kg]{5 .

32

!=&=!# o:tf] ;'ljwf lng rfxg] cfoftstf{af6 dfly pNn]lvt sfuhftx¿ ;+nUg u/L o;};fy

;+nUg lj=lj=lg=kmf=g+=#-s_ e/fO{ /fVg'kg]{5 . ;fy} 8«fkm\6÷l6=l6= pknJw u/fpg] a]nfdf

;+nUg lj=lj=lg=kmf=g+=$-s_ e/L ;DalGwt eG;f/ sfof{nosf] gfddf k7fpg' kg]{5 .

!=&=!$ o; Joj:yf cGt/ut ;DalGwt eG;f/ sfof{nosf] gfddf lj=lj=lg=kmf/fd hf/L ubf{

cfoftstf{n] e'QmfgL k7fpg] k|of]hgsf] nflu k]z u/]sf] Proforma Invoice /

Commercial Invoice ?h' u/L tyf cfoft ;DaGwL cGo sfuhft ;d]t ;DalGwt

a}+s÷ljQLo ;+:yfn] k|dfl0ft u/L pQm kmf/fd;fy ;+nUg ug'{ kg]{5 .

!=&=!% tf]lsPsf] cjlwleq eG;f/af6 ;fdfg k}7f/L ePsf] k|dfl0ft x'g] lj=lj=lg=kmf=g+=$-s_ Pjd\

Airwaybill/Shipment/Transport Document k]z gug]{x¿sf] ljj/0f & lbgleq o;

ljefudf k]z ug{' kg]{5 .

!=&=!^ ;DalGwt a}+sn] 8«fkm\6÷l6=l6= hf/L x'Fbfs} avt cfoftstf{af6 w/f}6Lsf] ¿kdf ;6xL

/sdsf] !) -bz_ k|ltzt j/fj/sf] /sd clgjfo{ ¿kdf lng'kg]{5 . w/f}6L ;DaGwL cGo

Joj:yf PsLs[t O=k|f= kl/kq ;+Vof M ! sf] æw/f}]6L ;DaGwL Joj:yfÆ df pNn]v eP

adf]lhd g} x'g]5 . ;f] w/f}6L /sd j/fj/sf] r]s hf/L ug]{ ;DaGwdf cfoft k|tLtkq

;DaGwL Joj:yf adf]lhd g} sfod ul/Psf] 5 . t/, cfoftstf{sf] kl/jTo{ ljb]zL d'b|f

vftf vr{ x'g] cj:yfdf eg] w/f}6L ;DaGwL of] Joj:yf nfu' x'g] 5}g .

!=&=!& o:tf] ;6xL ;'ljwf dfu ug]{ cfoftstf{x¿af6 cfoft ul/g] j:t'x¿ cfoft u/L g;s]sf]

k|lta4tf ;d]t clgjfo{ ¿kdf lng' kg]{5 .

!=&=!* ef/t afx]s t];|f] d'n'saf6 ;fdfg cfoft ug{] k|of]hgsf] nflu k7fOPsf] clu|d e'QmfgL

afktsf] /sd sf/0fjz ljq]mtfn] ;fdfg gk7fO{ /sd g} lkmtf{ k7fPsf] cj:yfdf eG;f/

sfof{nosf] gfddf hf/L ul/Psf] r]s ;DalGwt a}+s :jodn] /2 ug{ ;Sg]5 .

!=&=!( vfB kbfy{ cfoft ug{] ;DaGwL yk Joj:yf M

o; Joj:yf cGtu{t cg';"rL !=!& df plNnlvt vfB tyf k]o kbfy{ cfoft ubf{ g]kfn

;/sf/, s[lif tyf kz'kG5L ljsf; dGqfno, vfB k|ljlw tyf u'0f lgoGq0f ljefusf] k"j{

:jLs[lt lng' kg]{5 . cfoft ;DaGwL sfuhftdf plNnlvt cfoftstf{, lgof{tstf{, kl/df0f

/ d"No ;DaGwL ljj/0f To:tf] cg'dltkqdf pNn]v ePsf] ljj/0fF+u d]n vfPsf] x'g'kg]{5 .

!=&=@) xjfO{hxfh, b'/;~rf/ / d]l8sn OSjLkd]06sf kf6{k"hf{x¿ tTsfn} ljb]zaf6 dufpg' k/]sf]

cj:yfdf / laqm]tfn] pwf/f]df lbPdf clwstd cd]l/sL 8n/ !) xhf/ d"No ;Ddsf

To:tf ;fdfgx¿ lqe'jg cGt//fli6«o ljdfg:yn eG;f/ gfsfaf6 cfoft ug{ ;lsg] 5 .

o;/L cfoft ePsf ;fdfgsf nflu lj=lj=lg=kmf/fd hf/L ug{ cfjZos x'g]5}g / o:tf

;fdfgx¿ lgodfg';f/ eG;f/ hfFr kf; eO{ cfPsf] () lbgleq ;DalGwt sfuhftsf

cfwf/df e'QmfgL k7fpg ;lsg] 5 .

!=* Unf]jn 6]08/ dfkm{t ef/t af6 cfoft x'g] j:t' tyf ;]jf vl/b ;DaGwL Joj:yf M

!=*=! laleGg lgsfo, cfof]hgf, kl/of]hgf tyf cGo ;+ul7t lgsfox¿n] cfk'mnfO{ cfjZos kg]{

j:t' tyf ;]jfx¿ Unf]jn 6]08/ dfkm{t ef/taf6 cfoft ubf{ k|rlnt Joj:yfx¿ cGt/ut

/xL kl/jTo{ ljb]zL d'b|fdf ;d]t e'StfgL ug{ ;lsg] 5 .

!=*=@ pNn]lvt Joj:yf cGtu{t /xL laleGg lgsfo, cfof]hgf, kl/of]hgf tyf cGo ;+ul7t

lgsfox¿n] Unf]an 6]08/ cGtu{t ef/taf6 cfoft ug]{ j:t'sf] xsdf IGST Free Tax

invoice cfjZos kg]{ 5}g .

33

!=*=# ;fj{hlgs vl/b P]g, @)^# nfu' x'g] ;+3 ;:yf k|lti7fg cflbn] Unf]jn 6]08/ cGt/ut

ef/tjf6 kl/jTo{ ljb]zL d'b|f e'QmfgL x'g] u/L k|tLtkq dfkm{t cfoft ubf{ ef8f tyf

jLdf jfktsf] /sd kl/jTo{ ljb]zL d'b|fdf e'QmfgL ug{ ;lsg] 5 .

!=*=$ s[lif ;fdu|L sDkgL lnld6]8 jf /fli6«o aLp ljhg sDkgL lnld6]8n] Unf]jn 6]08/ dfkm{t\

:jLs[t u/]sf] jf]nkqaf6 dn, jLp cfoft ubf{ t];|f] d'n'sd} lgld{t eO{ t];|f] d'n'saf6}

Shipment x'g] cj:yfdf Unf]an 6]08/ kg]{ ef/tLo kmd{ sDkgLsf] gfddf klg ljBdfg

Joj:yf adf]lhd kl/jTo{ ljb]zL d'b|fdf e'QmfgL ug]{] u/L k|tLtkq vf]Ng ;lsg]5 .

!=( a}+s Uof/]06Lsf cfwf/df clu|d e'QmfgL k7fpg] ;DaGwdf .

!=(=! kl/jTo{ ljb]zL d'b|fdf -ef/tafx]s_ cGo d'n'sx¿af6 ul/g] j:t' tyf ;]jf -lnh ;d]t_

cfoft ug]{ ;DaGwdf b]xfo adf]lhd ug{'kg]{5 .

-s_ cfoft ug]{ kmd{÷sDkgL÷lgsfon] b]xfo adf]lhdsf sfuhftx¿ k]z ug{' kg]{5

-!_ cfoftstf{ kmd{÷sDkgL÷lgsfosf] cBfjlws kmd{ btf{ k|df0fkq

-@_ cBfjlws cfos/ btf{ k|df0fkq .

-#_ cBfjlws s/ r'Qmf k|df0fkq

-$_ s/f/kq (Contract Paper) jf ;Demf}tfkq (Agreement Paper) /

lgof{tstf{sf] n]6/x]8 ;lxtsf] k|f]kmdf{ OGEjfO; .

-v_ k|f]kmdf{ OGEjfO;, s/f/kq (Contract Paper) jf ;Demf}tfkq (Agreement Paper) df

lgDg Joxf]/f v'n]sf] x'g'kg]{ 5 M

-!_ ;fdfgsf] gfd, a|f08 / df]8]n gDa/ eP ;f] ;d]t .

-@_ ;fdfg pTkfbg ug]{ d'n'ssf] gfd .

-#_ OsfO{, d"No, kl/df0f / hDdf d"No .

-$_ ;]jf cfoft ul/g] ePdf cfoft ;DaGwL ;Dk"0f{ ljj/0f s/f/kq (Contract

Paper) jf ;Demf}tfkq (Agreement Paper) df v'nfOPsf] x'g'kg]{ .

-u_ e'QmfgL k7fpFbf ckgfpg' kg]{ k|lqmof M s'g} kmd{÷sDkgL÷lgsfon] j:t' tyf ;]jf

-lnh ;d]t_ cfoft ubf{ b]xfo adf]lhdsf] k|lqmof ckgfO{ clu|d e'QmfgL k7fpg

;Sg]5g\ M

-!_ ljb]zL a}+ssf] a}+s Uof/]06Lsf cfwf/df cf+lzs jf k"/} /sd clu|d e'QmfgL

k7fpg ;lsg]5 .

-@_ j:t' cfoft ubf{sf] xsdf l6=l6=dfkm{t cfoft ug{ tf]lsPsf] ;LdfeGbf

a9L /sdsf]] cfoft ug]{ ePdf ljb]zL a}+ssf] a}+s Uof/]06L cfjZos

kg]{5 . t/ o;/L cfoft ubf{ bkmf !=& df pNn]lvt Joj:yfx¿sf] kfngf

ePsf] x'g'kg]{5 .

-#_ g]kfnL jfo';]jf sDkgLx¿n] xjfO{ hxfhsf OlGhg jf kf6{k"hf{ h:tf

;fdfg cfoft ubf{ ;DalGwt lgodgsf/L lgsfo -g]kfn gful/s p88\og

k|flws/0f_ sf] l;kmfl/; ;d]tsf sfuhftsf cfwf/df k|rlnt Joj:yf

cGt/ut /xL cd]l/sL 8n/ ! nfv;Ddsf] clu|d e'QmfgL a}+s tyf ljQLo

;:yf :jodn] k7fpg ;Sg]5g\ . t/ o; k|of]hgsf] nflu ljb]zL a}+ssf]

j}s Uof/]06L cfjZos kg]{ 5}g .

-$_ ;]jf cfoft ubf{sf] xsdf cd]l/sL 8n/ !),))).– -bz xhf/ dfq_ jf ;f]

a/fa/sf] kl/jTo{ ljb]zL d'b|f eGbf a9L /sdsf] ljb]zL d'b|f clu|d e'QmfgL

ug'{ kg]{ ePdf ljb]zL a}+ssf] a}+s Uof/]06L cfjZos kg]{5 .

34

-%_ cd]l/sL 8n/ !),))).– eGbf a9L /sdsf] ;]jf cfoft ubf{ lgofds

lgsfosf] l;kmfl/; lng'kg]{5 .

-^_ pQm a}+s Uof/]06L sf/f]jf/ ;DkGg eO{ ;Sg] ;donfO{ vfDg] u/L agfOPsf]

x'g'kg]{ 5 .

-&_ ;dodf dfn;fdfg cfoft tyf ;]jf vl/b eP gePsf] ;DaGwdf a}+s

:jod\n] cg'udg ug{'kg]{5 . ljb]zL a}+saf6 hf/L u/]sf] a}+s Uof/]06L

sf/f]jf/ ;DkGg x'g] ;doeGbf Go'gtd ! dlxgfeGbf a9L cjwLsf] Dofb

ePsf] x'g'kg]{5 . pQm cjwLleq dfn;fdfg cfoft tyf ;]jf vl/b cfoft

gePdf a}+s Uof/]06L hkmt u/L & lbgleq ;f]sf] ljj/0f o; ljefudf k]z

ug{'kg]{5 .

!=!) ljb]zL gful/ssf] -t];|f] d'n's tyf ef/tsf_ kfl/>ldssf] ;6xL Joj:yf ;DaGwdf M

!=!)=! s'g} kmd{, sDkgL tyf ;+:yfdf sfo{/t t];|f] d'n'ssf ljb]zL gful/sx¿n] /f]huf/bftf;Fu

u/]sf] s/f/df plNnlvt tna eQf tyf cGo ;'ljwf afktsf] /sddf k|rlnt sfg"g

adf]lhd s/ s§L kZrft x'g cfpg] /sdsf] a9Ldf &% -krxQ/_ k|ltzt;Dd kl/jTo{

ljb]zL d'b|fdf b]xfosf sfuhftsf cfwf/df ;DalGwt d'n'sdf k7fpg ;lsg] 5 .

-s_ cfjZos sfuhftx¿ M

-!_ ;DalGwt JolQmsf] lgj]bg

-@_ /f]huf/bftf kmd{, sDkgL tyf ;+:yfsf] l;kmfl/;kq

-#_ g]kfn ;/sf/, >d ljefusf] >d :jLs[lt kq

-$_ sd{rf/L kl/rokq / lgo'lQmkq÷;Demf}tfkq

-%_ kfl/>lds s/ lt/]sf] k|df0f jf ef}r/sf] k|ltlnlk

-^_ k|j]zf1f -le;f_ jxfn ;DaGwL k|df0f

-v_ ;~rosf]if, cjsf; sf]if / pkbfg afktsf] /sdsf] xsdf lgodfg';f/ nfUg] s/

s§f u/L kfpg] k"/} /sd k7fpg ;lsg]5 .

-u_ o:tf] /sd a9Ldf dfl;s cd]l/sL 8n/ % xhf/sf b/n] jflif{s cd]l/sL 8n/ ^)

xhf/;Dd e'StfgL ug{ ;lsg]5 .

!=!)=@ s'g} kmd{, sDkgL tyf ;+:yfdf sfo{/t ef/tLo gful/sx¿n] /f]huf/bftf;Fu u/]sf]

s/f/df plNnlvt tna eQf tyf cGo ;'ljwf afktsf] /sddf k|rlnt sfg"g adf]lhd

s/ s§L kZrft x'g cfpg] /sdsf] a9Ldf &% -krxQ/_ k|ltzt ;Dd ef/tLo d'b|fdf

b]xfosf sfuhftsf cfwf/df k7fpg ;lsg] 5 .



-@_ /f]huf/bftf kmd{, sDkgL tyf ;+:yfsf] l;kmfl/;kq

-#_ sd{rf/L kl/rokq / lgo'lQmkq÷;Demf}tfkq

-$_ kfl/>lds s/ lt/]sf] k|df0f jf ef}r/sf] k|ltlnlk


s§f u/L kfpg] k"/} /sd k7fpg ;lsg]5 .

!=!)=# g]kfnsf jfo';]jf k|bfos sDkgLx¿df sfo{/t ljb]zL gful/ssf] >d :jLs[lt /

;Demf}tfsf] cjwL jxfn /x]sf] cj:yfdf /f]huf/bftf;Fu u/]sf] s/f/df plNnlvt

kfl/>ldsdf k|rlnt sfg"g adf]lhd s/ s§L kZrft x'g cfpg] /sdsf] a9Ldf &%

-krxQ/_ k|ltzt;Ddsf] /sd o; a}+sn] k|bfg u/]sf] clwstd ! jif{ ;Ddsf] :yfoL

35

cg'dltkqsf] cfwf/df b]xfosf sfuhft lnO{ kl/jTo{ ljb]zL d'b|fdf -ef/tLo gful/ssf]

xsdf ef/tLo d'b|fdf_ ;DalGwt d'n'sdf k7fpg ;lsg] 5 .



-@_ jfo';]jf k|bfos sDkgLsf] l;kmfl/;kq

-#_ g]kfn ;/sf/, >d ljefusf] >d :jLs[lt kq

-$_ sd{rf/L kl/rokq / lgo'lQmkq÷;Demf}tfkq

-%_ kfl/>lds s/ lt/]sf] k|df0f jf ef}r/sf] k|ltlnlk

-^_ k|j]zf1f -le;f_ jxfn ;DaGwL k|df0f -ef/tLo gful/s jfx]ssf] xsdf_


s§f u/L kfpg] k'/} /sd k7fpg ;lsg]5 .

!=!! ef/taf6 j:t' tyf ;]jf cfoft ubf{ k|bfg ul/g] ;6xL ;'ljwf tyf ef/tLo ¿k}ofFsf] v/Lb÷ljqmL

sf/f]jf/ ;DaGwL Joj:yf M

g]kfn ef/t aLr x'g] j:t' tyf ;]jf cfoft / ef/tLo ¿k}ofF v/Lb÷ljqmL sf/f]jf/ ;DaGwdf g]kfn

/fi6« a}+s, a}lsË sfof{no nufot ;a} sfof{nox¿ tyf Ohfhtkqk|fKt æsÆ, ævÆ / æuÆ ju{sf

a}+s tyf ljQLo ;+:yf / dlgr]Gh/x¿nfO{ ;d]t nfu' x'g] u/L b]xfo adf]lhdsf] Joj:yf ul/Psf]

5 .

!=!!=! g]kfn / ef/taLr x'g] Jofkfl/s sf/f]jf/sf] nflu ;6xL Joj:yf M

-s_ dfn;fdfg cfoftsf] e'QmfgLsf nflu k|rlnt Joj:yf cGtu{t /xL k|tLtkq,

8«fkm\6 jf l6=l6=sf] dfWodaf6 ef/tLo ?k}ofFsf] ;6xL k|bfg ug{ ;lsg]5 . t/,

ef=?= % s/f]8eGbf a9Lsf] a:t' cfoft clgjfo{ ?kn] k|tLtkq dfkm{t ug'{kg]{5 .

o;/L ;6xL k|bfg ubf{ o;} ;fy ;+nUg gd"gf adf]lhdsf] lj=lj=lg=kmf=g+=$ -u_

hf/L ug'{kg]{5 .

o;/L ;fdfg cfoft ubf{ k|rlnt Joj:yf adf]lhd !) k|ltzt w/f}6L lng'kg]{5 /

;f] /sdaf6 e+;f/ dx;'n a'emfpg] k|of]hgsf] nflu r]s pknAw u/fpg' kg]{5 .

-v_ e'QmfgLsf :ki6 zt{x¿ pNn]v ePsf] k|f]–kmdf{ OGEjfO; jf cGo sfuhftsf]

cfwf/df clu|d tyf cf+lzs ¿kdf ;d]t o:tf] ;6xL ;'ljwf k|bfg ug{ ;lsg] 5 .

o;/L cf+lzs ¿kdf ;6xL ;'ljwf k|bfg u/]sf] cj:yfdf k"/} /sdsf] ;6xL k|bfg

ul/;s] kl5 jf cfoftstf{n] ;6xL ;'ljwf lnPsf] /sd dfqsf] dfn;fdfg cfoft

x'g] Joxf]/f pNn]v u/L lgj]bg lbPsf] cj:yfdf ;6xL ldlt / /sd ;d]t pNn]v

u/L ;6xL k|bfg ePsf] k"/} /sdsf] lj=lj=lg= kmf=g+=$ -u_ hf/L ug'{ kg]{5 . clu|d

e'QmfgL /sdaf6 k6s] 9'jfgL (Partial Shipment) sf] dfWodaf6 cfoft x'g] ePdf

;DalGwt cfoftstf{sf] lgj]bg adf]lhd k6s] 9'jfgL x'g] /sd;Ddsf]

lj=lj=lg=kmf=g+ $ -u_ ;d]t hf/L ug{ ;lsg]5 .

-u_ cf+lzs ¿kdf ;6xL k|bfg u/]sf] cj:yfdf ;6xL k|bfg ubf{ lnPsf] sfuhftdf

plNnlvt cjlwleq k"/} ;6xL ;'ljwf lnO{ lj=lj=lg= kmf=g+=$ -u_ hf/L u/fpg

gcfpg] jf ;6xL lnPsf] /sd km5\of}{6 gu/fpg] cfoftstf{sf] gfd 7]ufgf, ;6xL

lnPsf] ldlt / /sd ;lxtsf] ljj/0f o; ljefunfO{ caLnDa ¿kdf pknJw

u/fpg' kg]{5 .

-3_ cfoft u/]sf dfn;fdfg lgoldt k|s[of cg'¿k eG;f/ hfFrkf; ePkl5 ;DalGwt

eG;f/ sfof{noaf6 lj=lj=lg= kmf=g+=$-u_ df k|dfl0ft u/L ;f] k|dfl0ft kmf/fdsf] !

36

k|lt ;DalGwt a}+snfO{ g} lkmtf{ ug'{ kg]{5 . k|dfl0ft ePsf] o:tf] kmf/fd ;DalGwt

cfoftstf{ dfk{mt klg a}+sdf lkmtf{ ug{ ;lsg]5 .

-ª_ cfoft u/]sf dfn;fdfg lgoldt k|lqmof cg'¿k eG;f/ 5'6fO{ nlu;s]kl5

;DalGwt eG;f/ sfof{noaf6 pko{'Qm lj=lj=lg=kmf=g+=$-u_ df b/kL7 u/L ;f]xL

kmf/fddf pNn]v u/] cg'¿k ug'{ kg]{5 .

-r_ qm]l86 ;'ljwf cGtu{t jf pwf/f]df cfoft eO{ ;s]sf dfn;fdfgsf] xsdf

lj=lj=lg= kmf=g+=$-u_ hf/L ug'{ kg]{ 5}g . t/, To:tf] cfoftsf] e'QmfgL ubf{

sfuhft cg'¿ksf dfn;fdfg cfoft eO{ ;s]sf] / kl5 e'QmfgL ug'{ kg]{ Joxf]/f

k|dfl0ft x'g] b]xfosf sfuhftx¿sf] cfwf/df 8«fkm\6÷l6=l6=sf] dfWodaf6 ;DalGwt

lgof{tstf{sf] gfddf e'QmfgL x'g] u/L ;6xL lbg ;lsg]5 M

-!_ e'StfgLsf] zt{ pNn]v ePsf] jf pwf/f] ljqmL u/]sf] k'li6 x'g] q]ml86 aLn

aLhs

-@_ ;fdfg 9'jfgL ePsf] k'li6 x'g] 9'jfgL ;DaGwL sfuhft

-#_ cfoft ePsf] k'li6 x'g] eG;f/ k|1fkgkq

-$_ /fh:j lt/]sf] /l;b

-%_ () lbgkl5 e'StfgL x'g] ePdf ;DalGwt kIfn] aLn aLhs g+= / /sd

;d]t pNn]v u/L e'StfgL bflj u/]sf] kq

o;/L ;6xL k|bfg u/]kl5 k|1fkgkq / /fh:j lt/]sf] /l;b nufotsf ;Ssn

sfuhftx¿df ;6xL k|bfg u/]sf] Joxf]/f b/kL7 u/L a}+s÷ljQLo ;+:yfsf] 5fk

nufO{ ;f] sfuhftsf k|ltlnlkx¿ ;'/lIft /fVg' kg]{5 .

t/, o;/L k|tLtkqdfkm{t pwf/f]df ;fdfg cfoft ubf{ k|tLtkqdf pNn]v ePsf]

e'QmfgLsf] zt{ adf]lhdsf] cjlwleq e'QmfgL k7fpg' kg]{5 .

-5_ =====================================================

-h_ t];|f] d'n's tyf ef/taf6 dfn;fdfg cfoft ug]{ qmddf lSnol/Ë, kmjf{l8Ë, 9'jfgL,

ef8f e/f}6 cflbsf] nflu e'QmfgL ug'{ kg]{ kIfsf] cflwsfl/s lgj]bg ;fy b]xfosf

sfuhftsf cfwf/df ;6xL ;'ljwf k|bfg ug{ ;lsg] 5 M

-!_ cfoftstf{ cfk}mn] To:tf] vr{sf] e'QmfgL gug]{ ePdf Ph]G6nfO{ sfd

;'lDkPsf] Joxf]/f v'Ng] sfuhft

-@_ sfuf]{, lSnol/Ë÷kmjf{l8Ë Ph]G;Laf6 ;DalGwt kIfsf] gfddf hf/L ePsf]

/sd / k|of]hg v'n]sf] aLn aLhs

-#_ 9'jfgL ;DaGwL sfuhft -la=Pn=, Pr=la=Pn, sG;fOGd]06 gf]6, Pn=cf/=,

cf/=cf/, l;=6L=8L, cflb_ sf] k|ltlnlk

-$_ lgof{tstf{n] cfoftstf{sf] gfddf hf/L u/]sf] cfoft x'g] dfn;fdfgsf] d"No

/ d"No cfwf/ tyf :yfg -CIF, FOB cflb_ v'n]sf] k|f]kmdf{ jf sdl;{on

OGEjfO; jf cGo sfuhft

-%_ cfoftstf{ cfk}mFn] e'QmfgL ug]{ ePdf cfoft ePsf] k'li6 x'g] eG;f/

k|1fkgkq / /fh:j lt/]sf] /l;bsf] k|ltnlk

-^_ dfn;fdfg cfoftsf] nflu hf/L ePsf] k|tLtkq jf 8«fk\m6 l6=l6= sf]

k|ltlnlk / q]ml86 ;'ljwfdf cfoft x'g] ePdf ;f] Joxf]/f v'Ng] sfuhft jf

cfoftstf{sf] :j3f]if0ff

37

-em_ t];|f] d'n'sdf ;fdfg lgof{t ubf{ 9'jfgL÷lSnol/Ë÷kmjf{l8{Ë cflbsf] nflu ;DalGwt

kIfsf] cflwsfl/s lgj]bg ;fy b]xfosf sfuhft lnO{ ;6xL ;'ljwf k|bfg ug{

;lsg] 5 M

-!_ Ph]G6 dfk{mt ug]{ ePdf ;DalGwt Ph]G6nfO{ sfd ;'lDkPsf] Joxf]/f v'Ng]

sfuhft

-@_ Ph]G;Laf6 ;DalGwt kIfsf] gfddf hf/L ePsf] aLn aLhs jf cGo

sfuhft

-#_ ;fdfg lgsf;L ePsf] k|dfl0ft x'g] eG;f/ k|1fkgkq / /fh:j lt/]sf] /l;b

-$_ 9'jfgL ;DaGwL sfuhftsf] k|ltlnlk

-%_ lgof{tstf{n] hf/L u/]sf] lgof{t x'g] dfn;fdfgsf] d"No cfwf/ tyf :yfg

CIF, FOB cflb_ v'n]sf] k|f]kmdf{ jf sdl;{on OGEjfO; jf cGo sfuhftsf]

k|ltlnlk

-`_ ef/tLo kqklqsfsf] e'QmfgL k7fpFbf kqklqsf k7fpg] sDkgLsf] aLhssf]

cfwf/df PsfpG6k]oL 8«fkm\6÷l6=l6=÷d]n 6«fG;km/ cflbsf] dfWodaf6 e'QmfgL x'g]

u/L k|df0f /fvL ;6xL lbg ;lsg]5 .

-6_ o; kl/kqdf :ki6 pNn]v ePsf ;]jf ;'ljwf afx]s cGo ;]jf ;'ljwf pkof]u u/]

afktsf] e'QmfgL k7fpg' k/]df o; ljefuaf6 :jLs[lt lng' kg]{5 .

-7_ g]kfnL gful/s tyf g]kfndf ljlwjt btf{ ePsf kmd{, sDkgL, ;+3 ;+:yfn]

ef/tl:yt lgof]u, ;+3, ;+:yf, sDkgL;Fu lng] ljleGg ;]jf z'Ns e'QmfgLsf] nflu

ef/tLo ¿k}ofF ! nfv;Ddsf] ;6xL ;'ljwf b]xfoadf]lhdsf sfuhftx¿ lnO{

jfl0fHo a}+sx¿af6 k|bfg ug{ ;lsg]5 M

1. ;6xL /sdnfO{ k'li6 ug]{ aLn÷aLhs jf cGo sfuhft,

2. ;6xL dfu ug]{ JolQm eP lghsf] gful/stfsf] k|df0fkqsf] k|ltlnlk / kmd{,

sDkgL, ;+3 ;+:yf cflb ePdf ljlwjt btf{ ePsf cWofjlws

k|df0fkqx¿sf] k|ltlnlk,

3. s/ nfUg] ePdf lgodfg';f/ s/ bflvnf u/]sf] k|df0f .

-8_ dfyL v08 -7_ sf] cj:yf afx]s g]kfndf ljlwjt btf{ eO{ sf/f]jf/ ug{ :jLs[lt

k|fKt u/]sf g]kfnL tyf ljb]zL ;+3÷;+:yf÷sDkgL cflbn] ef/tl:yt ;+3÷;+:yf÷

sDkgL;Fu ljljw ;]jf ;'ljwf lng] ;Demf}tf÷;xdlt adf]lhdsf] ef/tLo ?k}ofF #)

nfv ;Ddsf] e'QmfgL jfl0fHo a}+sx¿af6 dfly v08 -7_ df pNn]lvt

sfuhftx¿sf cltl/Qm e'QmfgL ug'{ kg]{ /sdsf] nflu ;DalGwt lgofds

lgsfoaf6 ;Demf}tf÷;xdlt :jLs[t jf ;6xL l;kmfl/; ePsf] kq lnO{ ;6xL

;'ljwf k|bfg ug{ ;lsg]5 .

ef/tLo ?k}ofF #) nfveGbf dflysf] e'QmfgL tyf lgofds lgsfo gePsf] /

lgofds lgsfoaf6 ;Demf}tf :jLs[t jf l;kmfl/; x'g g;s]sf] cj:yfdf ;f]eGbf

sd /sddf ;d]t -dfyL v08 -7_ sf] cj:yf afx]s_ o; ljefusf] :jLs[ltsf]

cfwf/df dfq ;6xL ;'ljwf k|bfg ug'{kg]{5 .

-9_ dfn;fdfg cfoft÷lgof{t ubf{ lSnol/Ë, kmjf{l8Ë, 9'jfgL cflbsf] nflu clu|d

e'QmfgL ug'{ k/]df o:tf] e'QmfgL cfjZos kg]{ k|dfl0ft x'g] sfuhft / e'QmfgL ug'{

kg]{ kIfn] cfjZos sfuhft kl5 k]z ug]{ k|lta4tf ;lxt lbPsf] cflwsfl/s

lgj]bgsf] cfwf/df ;6xL k|bfg ug{ ;lsg]5 . o:tf] clu|d e'QmfgL uPsf] ;6xLsf]

38

clen]v /fvL ;6xL lnPsf] /sd k'li6 x'g] u/L dfly v08 -h_ / -em_ adf]lhdsf

cfjZos sfuhft ;dod} k]z gug]{sf] ljj/0f dfl;s ¿kdf o; ljefudf k7fpg'

kg]{5 .

-0f_ ;fdfg cfoft jf lgof{tsf] l;nl;nfdf kf]6{ cyf]l/6L jf ;f] ;DaGwL sfo{ ug]{

lgsfodf ltg'{ kg]{ 8]d/]h (Demurrage) z'Nssf] nflu ;DalGwt cfoft÷lgof{tsf]

nflu hf/L ePsf] 9'jfgL ;DaGwL sfuhftsf] k|ltlnlk / ;f] 9'jfgL sfuhftsf]

gDa/ ;d]t pNn]v eO{ ;DalGwt lgsfoaf6 hf/L ePsf] aLn aLhssf] cfwf/df

;6xL k|bfg ug{ ;lsg]5 .

-t_ g]kfnsf cfoftstf{x¿n] ef/tsf ljleGg :yfgaf6 ef/tLo 6«fG;kf]6{÷sDkgL

dfk{mt dfn ;fdfg 9'jfgL u/fpFbf nfUg] 9'jfgL vr{sf] nflu ;DalGwt

cfoftstf{sf] lgj]bg ;fy 9'jfgL ;DaGwL sfuhftsf] k|ltlnlk, aLn÷aLhs cflb

lnO{ 9'jfgL afktsf] x'g] /sd pknJw eP;Dd gubd} klg lbg ;lsg] 5 . k"/}

/sd gubdf ;6xL k|bfg geO{ cf+lzs ¿kdf s]xL /sd gubdf ;6xL k|bfg u/]sf]

cj:yfdf afF+sL /sd cGo dfWodaf6 ;6xL k|bfg ug'{ kbf{ gub ;6xL k|bfg ug]{

a}+s tyf ljQLo ;+:yfn] g} ;6xL k|bfg ug'{kg]{ 5 . o;/L u/]sf] e'QmfgLsf] ;6xL

;'[ljwf k|bfg ug]{ a}+s, ljQLo ;+:yfn] gub ;6xL k|bfg u/]kl5 ;f] Joxf]/f k'li6 x'g]

u/L 9'jfgL ;DaGwL sfuhft / aLn, aLhssf] ;Ssn k|ltd} b/kL7 u/L 5fk

nufpg] / ;f] b/kL7 ePsf] sfuhftsf] k|ltlnlk /fVg'kg]{ 5 .

-y_ ef/tdf shf{ lng] k|of]hg afx]s Jofkfl/s sf/f]jf/sf] nflu cfjZos kg]{ ;a}

lsl;dsf a}+s Uof/]06L -k/km/d]G; j08, lj8 j08, P8efG; k]d]G6 Uof/]06L cflb_

a}+s, ljQLo ;+:yf cfk}mn] hf/L ug{ ;Sg]5g\ . t/, JolQmut lgj]bs / JolQmut

j]lglkml;o/L x'g] ePdf s'g} klg lsl;dsf] a}+s Uof/]06L hf/L ug{ kfOg] 5}g .

-b_ cfoftLt dfn;fdfg ef/tsf] ljleGg :yfgl:yt j]o/ xfp;÷uf]bfddf /fVbf ul/g]

aLdf / ef/tLo laq]mtfn] ljqmL ePsf] ;fdfgsf] jf/]G6L :j¿k lglZrt cjlwsf]

nflu ul/lbg] ;x'lnot b/sf] aLdf u/] afktsf] /sd ;DalGwt laq]mtf;F+u ePsf]

;Demf}tf jf ;f]sf] cfwf/df hf/L ePsf] aLn aLhs / ladf sDkgLn] hf/L u/]sf]

aLdf kf]ln;Lsf] k|ltlnlk tyf aLn aLhssf] cfwf/df ul/g] e'QmfgLsf] nflu

cfjZos ;6xL k|bfg ug{ ;lsg] 5 .

-w_ ef/taf6 g]kfndf ;fdfg 9'jfgL ug]{ tyf g]kfnaf6 t];|f] d'n's÷ef/tdf lgof{t

ug]{ qmddf ef/tLo 6«fG;kf]6{ sDkgLx¿nfO{ gubdf g} ef=?= ltg'{ kg]{ cj:yf cfO{

k/]df ef=?= &%,))).– -krxQ/ xhf/ dfq_ ;Dd 6«fG;kf]6{ sDkgLx¿åf/f hf/L

ul/Psf] 6«s l/l;6 tyf ;Ssn k|1fkgkqdf ;6xL lbPsf] /sd b/kL7 u/L o;

a}+saf6 ;d]t gubdf ;6xL ;'ljwf pknJw u/fpg ;lsg] 5 .

-g_ g]kfnsf kmnfd ;DaGwL sfd ug]{ pBf]ux¿n] ef/tLo :kft lgud -Steel

corporation_ af6 kl/jTo{ ljb]zL d'b|fdf sRrf kbfy{ cfoft ubf{ ;f] lgudn] ef/tLo

/]nj] dfkm{t 9'jfgL u/L k7fOlbPdf ;DalGwt aLn aLhssf] cfwf/df 9'jfgL

afktsf] /sd pQm lgudnfO{ e'StfgL k7fpg ;lsg]5 .

-k_ ef/taf6 cg';"rL !=!& df plNnlvt vfB tyf k]o kbfy{ cfoft ubf{ g]kfn

;/sf/, s[lif tyf kz'kG5L ljsf; dGqfno, vfB k|ljlw tyf u'0f lgoGq0f


cfoftstf{, lgof{tstf{, kl/df0f / d"No ;DalGw ljj/0f To:tf] cg'dltkqdf pNn]v


39

!=!!=@ g]kfn ;/sf/sf ljleGg lgsfo ;/sf/L tyf cw{;/sf/L ;+3 ;+:yf, g]kfnL ;+3 ;+:yf

sDkgL, s'6gLlts lgof]u / /fli6«o tyf cGt/f{li6«o u}/ ;/sf/L ;+3 ;+:yfnfO{ k|bfg ug]{

;]jf cfoft tyf cGo ;6xL Joj:yf M

-s_ ;/sf/L tyf cw{ ;/sf/L ;+:yfgx¿ h:t}M hgsk'/ r'/f]6 sf/vfgf, ;fN6 6«]l8+u

skf]{/]zg, g]zgn 6«]l8+u lnld6]8 cflbsf ;fdfgx¿sf] ef/tLo /]Nj]af6 ;fdfg

5'6fpg /]Nj]sf] rnfg x]/L ;f] df pNn]v ePsf] /sd a/fa/sf] ;6xL lbg

;lsg]5 . o;/L ;6xL lbOPsf]df ;6xL lbOPsf] ldltn] !% lbg leq /]Nj] l/l;K6sf]

k|dfl0ft k|lt k]z u/fpg' kg]{5 .

-v_ ef/tdf sfof{no vf]nL sfd ug{ sfg"gtM :jLs[lt k|fKt u/]sf g]kfnL sDkgLx¿sf]

sfof{no ;~rfngsf] nflu vr{sf] kmfF6jf/L k]z ug]{ zt{df # dlxgfsf] nflu

cfjZos x'g] /sd ;6xL k|bfg ug{ ;lsg]5 . o;/L k|bfg ePsf] ;6xL ;'ljwf

/sdsf] kmfF6jf/L k]z ePkl5 dfq yk ;6xL ;'ljwf k|bfg ug'{kg]{5 . o:tf]

kmfF6jf/L 5 dlxgf;Dd klg k]z gug]{ sDkgLsf] gfd, 7]ufgf, ;6xL pknJw

u/fPsf] ldlt / /sd ;d]tsf] ljj/0f ;do ;dfKt ePsf] & lbgleq o; ljefudf

k7fpg' kg]{5 .

-u_ s'6gLlts lgof]un] cfˆgf] ljb]zL d'b|fsf] ;|f]taf6 vr{ x'g] u/L lglZrt k|of]hg

tf]sL cflwsfl/s cg'/f]w u/]df ;6xL k|bfg ug{ ;lsg]5 .

-3_ /fli6«o tyf cGt/f{li6«o u}/ ;/sf/L ;+3 ;+:yfx¿n] ljleGg bft[ lgsfoaf6 ljb]zL

d'b|fdf k|fKt u/]sf ;xof]u /sddf ga9\g] u/L cfkm\gf sfo{qmd ;~rfng

nufotsf ljljw sfo{x¿sf] nflu ;6xL dfu u/]df lgofds lgsfo jf ;DalGwt

;/sf/L lgsfoaf6 sfo{qmd ;~rfng ug{ jf vr{ ug{ lbPsf] :jLs[lt, ljb]zL d'b|f

lelqPsf] k|df0f tyf To:tf sfo{sf] nflu hf/L ePsf ;Demf}tf÷;xdlt,

aLn÷aLhs h:tf :ki6 k|of]hg v'n]sf sfuhft / cflwsfl/s cg'/f]wsf] cfwf/df

;6xL ;'ljwf pknJw u/fpg ;lsg]5 . ljb]zL d'b|fsf] ;|f]t gePsf] cj:yfdf o:tf]

;6xL cfjZos k/]df ;DalGwt lgofds lgsfo jf ;/sf/L lgsfosf]

:jLs[lt÷l;kmfl/;sf] cfwf/df dfq pknAw u/fpg ;lsg]5 .

-ª_ g]kfn ;/sf/sf ljleGg lgsfo ;/sf/L tyf cw{ ;/sf/L ;+3 ;+:yfx¿ / ljlwjt

btf{ ePsf g]kfnL ;+3 ;+:yf sDkgLx¿n] cfkm\gf kbflwsf/L tyf sd{rf/Lx¿nfO{

ef/tdf tflnd, uf]i7L, ;ef, ;]ldgf/ cflbdf k7fpg cfjZos kg]{ /sdsf] nflu

cflwsfl/s kqsf] cfwf/df ;6xL k|bfg ug{ ;lsg]5 .

-r_ g]kfn ;/sf/, ;f] cGt/utsf ljleGg lgsfo, ;/sf/L tyf cw{;/sf/L ;+3

;+:yfx¿, o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx¿n] ljleGg k|of]hg

-h:t}M dfnj:t' tyf ;]jf cfoft, lnh jf lnh kr]{h, ;b:otf z'Ns, ;]jf

e'QmfgL, dd{t, lj1fkg, ;km\6j]o/ v/Lb tyf ;]jf, 5kfO{, 8]d/]h, sfg"gL ;]jf,

k/fdz{ ;]jf, k|fljlws nufotsf ;]jf z'Ns_ sf] nflu k|of]hg k'li6 x'g] cfjZos

sfuhft ;lxt ef/tLo ¿k}ofFsf] ;6xL ;'ljwf dfu u/]df lgodfg';f/ nfUg] clu|d

s/ -TDS_ bflvnf u/]sf] k|df0f jf bflvnf ug]{ lnlvt k|ltj4tfsf] cfwf/df

k|rlnt Joj:yf adf]lhd ef/tl:yt Beneficiary nfO{ e'QmfgL ug]{ k|of]hgsf] nflu

;6xL ;'ljwf k|bfg ug{ ;lsg]5 . o:tf] ;6xL ;'ljwf JolQm ljz]ifsf] gfddf

k7fpg' k/]df o; ljefusf] :jLs[lt clgjfo{ ¿kdf lnPsf] x'g'kg]{5 .

-5_ kl/jTo{ ljb]zL d'b|fsf] cfˆg} ;|f]t ePsf g]kfnL ;+3;+:yf, sDkgL, kmd{x¿n] cfˆg}

ljb]zL d'b|f vftf vr{ x'g] u/L ef/tLo ¿k}ofFsf] ;6xL dfu u/]df dfly v08 -r_

40

df plNnlvt k|of]hgsf nflu ;f]xL v08df plNnlvt k|lqmof k"/f u/L ;6xL ;'ljwf

k|bfg ug{ ;lsg]5 .

-h_ g]kfndf ljlwjt btf{ eO{ ljljw lsl;dsf Jofkf/ Joj;fo ug]{ Joj;foLx¿

-kmd{÷sDkgL÷;+:yf afx]s_ n] cfˆgf] Joj;foaf6 ePsf] gfkmf ef/t k7fpg

rfx]df ;DalGwt Joj;foLsf] cflwsfl/s lgj]bg ;fy b]xfosf sfuhftsf] lnO{

;6xL k|bfg ug{ ;lsg] 5 M

-!_ Jofkf/÷Joj;fo btf{ tyf sf/f]jf/ cg'dlt k|df0fkqsf] k|ltlnlk

-@_ Kofg÷Eof6 btf{ k|df0fkqsf] k|ltlnlk

-#_ ;DalGwt cfly{s jif{sf] s/ r'Qmf k|df0fkq

-$_ ;DalGwt Joj;foLsf] klxrfg v'Ng] k|df0fkqsf] k|ltlnlk

!=!!=# cGt/ a}+s tyf ljQLo ;+:yf ;DaGwL sf/f]jf/ Joj:yf M

-s_ a}+s÷ljQLo ;+:yfx¿ / o; a}+s aLr x'g] ef/tLo ¿k}+ofF vl/b ljqmL sf/f]jf/nfO{

;'rf¿ ¿kn] ;~rfng ug{ lgDgfg';f/sf] Joj:yf ul/Psf] 5 M–

-!_ Jofkfl/s tyf sf8{ sf/f]jf/sf] e'QmfgL lbgsf] lgldQ ef/tLo ?k}ofFsf]

df}Hbft sfod ug]{ k|of]hgsf nflu dfl;s sf/f]jf/sf] cfwf/df a}+s tyf

ljQLo ;+:yfx¿nfO{ cf};tdf Ps xKtfnfO{ cfjZos x'g] ef/tLo ?k}ofFsf]

;6xL ;'ljwf o; a}+ssf] a}lsË sfof{noaf6 pknJw u/fOg] 5 . o;

k|of]hgsf] nflu a}+s tyf ljQLo ;+:yfx¿n] o;} kl/kq;fy ;+nUg

lj=lj=lg=ef=?=kmf=g+=! adf]lhdsf] ljj/0f e/L cfj]bg lbg' kg]{5 .

-@_ ;DalGwt a}+s÷ljQLo ;+:yfx¿n] ef=¿= /sdfGt/ ug'{kbf{ Value Date eGbf

Ps sfo{ lbg (Working Day) cufl8 g} /sdfGt/sf] nflu o; a}+ssf] a}+lsË

sfof{ndf cfj]bg lbg' kg]{5 .

-#_ o;/L cg'/f]w k|fKt ePkl5 a}+lsË sfof{non] Value Date cufj} /sdfGt/sf]

Joj:yf ug'{ kg]{5 .

-$_ Value Date sf] lbg ;DalGwt a}+s÷ljQLo ;+:yfsf] vftfdf /sdfGt/ u/]sf]

/sd a/fa/sf] x'g] /sd a}+lsË sfof{non] k|rlnt lgodfg';f/ Debit ug'{ kg]{5 .

-%_ Value Date sf] lbg ;DalGwt a}+s÷ljQLo ;+:yfx¿sf] vftfdf kof{Kt

df}Hbft g/x]df Jofh ;lxt c;'n pk/ ug'{ kg]{5 .

-^_ a}+s÷ljQLo ;+:yfx¿n] o; a}+s;Fu ef/tLo ¿k}+ofF vl/b ubf{ ;j{;fwf/0f

;Fu lng] j§f b/sf] %) k|ltztsf b/n] a§f sld;g lng' kg]{5 .

-v_ g]kfnsf a}+s÷ljQLo ;+:yfx¿n] ef/tLo a}+sx¿df Bank Deposit sf] ¿kdf ef/tLo

¿k}ofF nufgL ug{ kfOg] 5}g .

-u_ a}+s÷ljQLo ;+:yfx¿n] rfx]df ef/tLo ¿k}ofFsf] cGt/ a}+s sf/f]jf/ / cGt/ a}+s

shf{ ;fk6L (Lending/Borrowing) sf/f]jf/ ug{ ;Sg]5g\ .

-3_ g]kfnL a}+s÷ljQLo ;+:yf pk/ lvlrPsf r]sx¿ ef/tLo a}+sx¿ dfkm{t ef/tLo

¿k}+ofFdf e'QmfgL x'g] u/L sn]S;gsf] nflu k]z x'g cfPsf] v08df ;6xL lbg kfOg]

5}g .

-ª_ gub ef=¿= lnO{ ;f]sf] ef=¿= 8«fkm\6 dfUg cfPdf To:tf] 8«fkm\6 hf/L ug{ kfOg]

5}g .

41

!=!!=$ ef/tdf l/Kofl6«ozg ug]{ Joj:yf M

-s_ g]kfndf sfo{ ug{ sfg"gtM :jLs[lt kfPsf ef/tLo aLdf sDkgLx¿n] vr{ eO{

afFsL /x]sf] /sd ef/t l/Kofl6«o;g ug{ rfx]df lj=lj=lg=ef=¿=kmf=g+=@ adf]lhdsf]

lgj]bg lnO{ ;6xL ;'ljwf k|bfg ug{ ;lsg]5 .

-v_ g]kfndf sfo{ ug]{ jLdf sDkgLx¿n] k'gjL{df afktsf] /sd ef/tdf e'QmfgL ug'{

kbf{ b]xfosf sfuhftsf cfwf/df ;6xL lbg' kg]{5 M

-!_ ;DalGwt a}+s tyf ljQLo ;+:yfsf] gfddf hf/L ePsf] jLdf ;ldltsf]

;Ssn} l;kmfl/; kq

-@_ jLdf ;ldltn] l;kmfl/; u/]sf] /sdnfO{ k'li6 ug]{ ;DalGwt k'gjL{df

sDkgLx¿sf] 8]lj6÷q]ml86 gf]6, OGEjfO; h:tf sfuhft

-#_ e'QmfgL ug'{kg]{ /sdsf] Gross /sddf k|rlnt Joj:yf cg';f/ clu|d

cfos/ (TDS) bflvnf u/]sf] lg:;f

-u_ g]kfndf sfo{ ug{ ljlwjt :jLs[lt kfPsf ef/tLo Po/nfOG;sf] vr{ eO{ afFsL

/x]sf] /sd ef/tdf l/Kofl6«o;g ug{ rfx]df lj=lj=lg=ef=¿=kmf=g+=# adf]lhdsf]

lgj]bg lnO{ ;6xL ;'ljwf k|bfg ug{ ;lsg]5

-3_ ef/tLo k/Ljxg lgud, 6«fen, 6"/, 6]«lsË tyf a'lsË Ph]G;L;Fu ;Demf}tf÷;xsfo{

u/L oftfoftsf ljleGg ;fwg nufot ljljw e|d0fsf] nflu l6s6÷e|d0f Kofs]h

a'lsË ug{ ljlwjt :jLs[lt k|fKt u/]sf g]kfnL Ph]G;Lx¿n] plNnlvt k|of]hgsf]

nflu cflwsfl/s cg'/f]w u/L ;6xL dfu u/]df ;Demf}tf÷;xdlt / k|of]hg v'Ng]

sfuhft jf ljqmL÷a'lsË u/]sf] ljj/0f jf aLn÷aLhssf] cfwf/df ;DalGwt

kIfnfO{ e'QmfgL ug]{ k|of]hgsf] nflu ;6xL lbg ;lsg]5

!=!!=% ;j{;fwf/0f;Fu ef=¿=sf/f]jf/ ug]{ Joj:yf M

ef/tdf e|d0f, cWoog, cf}ifwf]krf/, tLy{ofqf cflb nufot Jojxfl/s k|of]hgsf nflu

gub÷8«fkm\6÷l6=l6÷d]=6«f=ljljw lsl;dsf sf8{ cflbsf] dfWodaf6 ;6xL k|bfg ubf{

;DalGwt JolQm;Fu ;+nUg lj=lj=lg= ef=¿=kmf=g+=^ sf] gd"gf adf]lhdsf] lgj]bgsf]

cfwf/df lgDgfg';f/ ;6xL k|bfg ug{ ;lsg]5 .

-s_ gub ef=¿= ;6xL dfu ePdf ef=¿=@%,)))÷– -ef=¿=kRrL; xhf/ dfq_ df

ga9fO{ lgj]bgsf] cfwf/df pknJw eP;Dd gub} klg lbg ;lsg]5 . a}+s÷ljQLo

;+:yfx¿n] o:tf] ;6xL lb+bf ;se/ gubsf] ;6[f plNnlvt cGo dfWodaf6 ;6xL

lbg k|f]T;fxg ug'{ kg]{5 . t/, cf}ifwf]krf/sf] xsdf g]kfndf dfGotf k|fKt /lhi68{

8fS6/x¿af6 l;kmfl/; ePsf] sfuhftx¿sf] cfwf/df cfjZostf / cf}lrTotf

x]/L clwstd ef=?=%),))).– -ef=?=krf; dfq_ ;Dd gubdf g} ;6xL ;'ljwf

k|bfg ug{ ;lsg] 5 .

-v_ ef=¿=@%,)))÷– eGbf a9L /sdsf] ;6xL dfu ePdf 8«fkm\6÷l6=l6÷d]=6«f=, q]ml86,

8]lj6 jf lk|k]8 sf8{ cflbsf] dfWodåf/f ;6xL lbg ;lsg]5 . t/, o;/L ef=¿=

;6xL lbFbf s] sfdsf] nflu ;f] /sd cfjZos ePsf] xf] k|df0f v'Ng] sfuhft

;lxt Joxf]/f v'n]sf] cfj]bg lng' kg]{5 .

-u_ o; bkmf adf]lhd ;6xL ;'ljwf k|bfg ubf{ Ps JolQmsf] gfddf Pp6f dfq ;6xL

;'ljwf k|bfg ug'{ kg]{5 . kl5 k|df0f k]z ug]{ zt{df ;6xL k|bfg u/]sf] cj:yfdf

klxn] k|bfg ePsf] ;6xL ;'ljwfsf] k|dfl0ft sfuhft k|fKt eP kl5 dfq csf]{

;6xL ;'ljwf k|bfg ug{' kg]{5 .

42

-3_ dfly v08 -v_ df pNn]v ul/Psf] k|dfl0ft sfuhftsf] ¿kdf e|d0f tLy{ofqf

cflbsf] nflu hf/L ePsf] l6s6 a'lsË jf ;f] ;DaGwL a|f];/ jf cGo sfuhftsf]

k|ltlnlk lng' kg]{5 . cWoogsf] xsdf ;f]sf nflu ;DalGwt z}lIfs ;+:yfaf6 hf/L

ePsf] kq jf a|f];/ jf cWoog k|of]hg k'li6 x'g] sfuhft / lzIf0f z'Nsdf

k|rlnt lgodfg';f/sf] s/ bflvnf u/]sf] lg:;f lnO{ To:tf] z'Ns ;DalGwt lzIf0f

;:yfsf] gfddf tyf lgjf{x vr{ ;DalGwt lzIf0f ;+:yfn] l;kmfl/; u/] adf]lhd

ljBfyL{sf] gfddf a}+ls+u pks/0f dfkm{t ;6xL pknAw u/fpg' kg]{5 .

cf}ifwf]krf/sf] nflu lrlsT;sn] u/]sf] l;kmfl/;, pkrf/ u/fpg] ;+:yfdf lnPsf]

Appointment jf ;f] c:ktfnaf6 pknAw u/fPsf] cg'dflgt nfut / pkrf/

k|of]hg k|i6 x'g] cGo sfuhft k|df0fsf] ¿kdf lnO{ ;DalGwt c:ktfnsf] gfddf

a}+lsu+ pks/0f dfkm{t ;6xL lbg ;lsg]5 . ;fy}, ;6xL dfu ug]{ kIfn] sfuhft

pknAw u/fpg ;S5 eGg]df a}+s tyf ljQLo ;+:yf ljZj:t ePdf aLn ekf{O{

nufotsf cfjZos sfuhft lglZrt cjwLleq pknAw u/fpg] zt{df ;d]t

;6xL pknAw u/fpg ;Sg]5 . ef/tdf cWoog, pkrf/df hfg] JolQm :jod\

pkl:yt x'g g;Sg] cj:yfdf To:tf JolQmx¿sf] nflu rflxg] ;6xL lghsf]

glhssf] gft]bf/, ;+/Ifs jf s'¿jfsf] gfddf ;d]t lbg ;lsg]5 .

-ª_ o; bkmfdf cGoq h];'s} s'/f n]lvPsf] ePtfklg q]ml86 sf8{, 8]la6 sf8{, lk|k]8

sf8{, P=l6=Pd= sf8{, cflbsf dfWodaf6 ;6xL k|bfg ubf{ b]xfo adf]lhd ug'{ kg]{5 M

-!_ dfly plNnlvt s'g} klg lsl;dsf sf8{x¿ ;DalGwt JolQmsf] cfˆgf] a}+sdf

/x]sf] vftfaf6} vr{ x'g] u/L dfq hf/L ug'{ kg]{ 5 .

-@_ a}+s, ljQLo ;+:yfn] cf–cfk\mgf cfGtl/s Joj:yf cg'¿k sf8{ hf/L ubf{

b]xfosf zt{x¿ clgjfo{ /fVg' kg]{ 5 .

-c_ tf]lsPsf] ;Ldf / Joj:yf adf]lhd dfq ef=¿= vr{ ug{ kfOg]

-cf_ k'FhLut sf/f]jf/sf] nflu vr{ ug{ gkfOg]

-O_ dfn;fdfg vl/b tyf ;]jf pkof]u afkt KjfO06 ckm ;]n dfk{mt vr{

ePsf] /sdsf] aLn aLhs nufot cfjZos ljj/0f dfu ug{ ;lsg] /

o;/L dfu ePsf sfuhft nufotsf ljj/0f sf8{ xf]N8/n] ;DalGwt

a}+snfO{ pknJw u/fpg' kg]{

-O{_ tf]lsPsf] ;Ldf zt{ / Joj:yfsf] k|lts'n x'g] u/L vr{ ul/Psf] kfOPdf

hf/L ePsf] sf8{af6 sf/f]jf/ ug{ h'g;'s} avt /f]s nufpg ;lsg] /

o:tf] sf/f]jf/ ug]{x¿sf] ljj/0f g]kfn /fi6« a}+sdf pknJw u/fO{

cfjZos sf/jfxL ;d]t ug{ ;lsg]

-p_ ef=?= ;6xLsf] nflu hf/L x'g] sf8{ / sld;g /sdsf] lx;fa ldnfg

kl/jTo{ ljb]zL d'b|fdf ug{ kfOg] 5}g .

-#_ lgoldt¿kdf k|To]s dxLgf ef=¿=! nfv lemSg] JolQmx¿ klxrfg u/L

vr{sf] cf}lrTo k'li6 gePdf jf z+sf:kb b]lvPdf To:tf JolQmsf] vftf tyf

sf8{af6 x'g;Sg] sf/f]jf/ /f]Ssf u/L o; ljefunfO{ hfgsf/L u/fpg' kg]{5 .

-$_ Ps lbgdf a9Ldf ef=¿=!% xhf/ / k|lt dlxgf ef=¿=! nfv ;Dd dfq gub

lemSg ;lsg] 5 .

-%_ o; bkmf adf]lhd lgwf{l/t sfuhftsf] cfwf/df pknAw u/fOg] yk ;6xL

;'ljwfsf] /sd ;d]t sf8{sf] ;Ldfdf yk ug{ ;lsg] 5 .

43

-^_ ef/tdf Credit, Debit tyf Prepaid Cards nufot Electronic card sf]

dfWodaf6 Point of Sale (POS) jf cGo ljB'tLo dfWod dfkm{t a:t' tyf

;]jf vl/b ubf{ ul/g] e'QmfgLsf] xsdf Ps} k6s jf k6sk6s u/L dfl;s

ef=?= ! nfv;Dd dfq e'QmfgL ug{ ;lsg]5 . t/, xf]6n, xl:k6n / cf}iflw

k;ndf ul/g] e'QmfgLsf] xsdf pk/f]Qm ;Ldf nfu' x'g] 5}g .

-r_ Ohfhtkqk|fKt ;a} lgsfox¿n] gub ef/tLo ?k}ofF vl/b laqmL sf/f]jf/ ubf{

O=k|f=kl/kq ;+Vof @& sf] bkmf @ df ePsf] Joj:yf cg';f/ ef/tLo ?k}Fof ;6xL

/l;b Indian Currency Purchase Receipt (ICPR) tyf laqmL ubf{ Indian Currency

Sales Receipt (ICSR) hf/L ug{'kg]{5 . ;fy}, pQm kl/kqdf ePsf cGo

Joj:yfx¿sf] ;d]t kfngf ug{'kg]{5 .

!=!!=^ ef=¿= @)), %)), !))) / @))) b/sf gf]6x¿sf] ;DaGwdf M

-s_ -!_ ef/t ;/sf/ tyf ef/tLo l/ha{ a}+sn] ( gf]e]Da/ @)!^ ;Dd rngrlNtdf

/x]sf ef=?=%)) / !))) b/sf gf]6x¿ rngrNtLaf6 x6fPsf] x'Fbf To:tf

ef=?= %)) / !))) b/sf gf]6sf] sf/f]jf/ ug{ / xfn ef/tdf rngrlNtdf

/x]sf gofF ef=?= @)), %)) / @))) b/sf gf]6 ;fydf /fVg, cf];f/ k;f/

ug{ / sf/f]jf/ ug{ kfOg] 5}g .

-@_ ef=?=!)) / ;f]eGbf sd b/sf ef/tLo gf]6 tyf d'b|f k|rlnt Joj:yf

adf]lhd Nofpg n}hfg tyf ;6xL ug{ ;lsg]5 .

-#_ g]kfnL gful/sn] ef/tLo ?k}ofF ef/t afx]s cGo d'n'sdf n}hfg jf cGo

d'n'saf6 g]kfn Nofpg kfOg] 5}g .

-v_ g]kfnL / ef/tLo gful/sx¿;Fu afx]s cGo d'n'ssf gful/s;Fu a}+s÷ljQLo ;+:yf

nufot Ohfhtkqk|fKt cGo lgsfox¿n] ef/tLo ¿k}ofFsf] gf]6, 8«fkm\6 cflbsf]

vl/b tyf l6=l6=sf] e'QmfgL / ef/tLo ¿k}ofFsf] qm]l86 sf8{ cGtu{t s'g} sf/f]jf/

ug{ kfOg] 5}g .

-u_ ef/tl:yt jLdf sDkgLsf] jLdf kf]ln;L vl/b ug]{ tyf ;f]sf] lk|ldod e'QmfgL ug]{,

ef/tLo sDkgLn] hf/L u/]sf] z]o/df nufgL ug]{, ef/tdf 3/hUuf v/Lb ug]{ h:tf

k'FhLut k|s[ltsf sf/f]jf/ k|of]hgsf] nflu ;6xL ;'ljwf k|bfg ug{ kfOg] 5}g .

-3_ ef/tl:yt a}+s tyf ljQLo ;+:yf Pjd\ a}lsË sfo{ ug]{ ;xsf/L ;+:yfsf] gfddf

s'g} k|sf/sf] vftf vf]Ng jf To:t} k|of]hgsf nflu e'QmfgL ug{ ;6xL ;'ljwf k|bfg

ug{ kfOg] 5}g .

-ª_ o; a}+saf6 :jLs[lt k|bfg ePsf] cj:yfdf afx]s C0fsf] ;fFjf Jofh, d'gfkmf,

nfef+z cflb e'QmfgL ug]{ k|of]hgsf] nflu ;6xL ;'ljwf k|bfg ug{ kfOg] 5}g .

-r_ k|rlnt sfg"gn] lgif]w u/]sf sfo{df vr{ x'g] u/L ;6xL ;'ljwf k|bfg ug{ kfOg]

5}g .

!=!!=& ef/tdf Nostro vftf ;DaGwL Joj:yf M–

-s_ o; a}+ssf lhNnfl:yt sfof{nox¿n] ;LdfjtL{ ef/tLo If]qdf cjl:yt ef/tLo

jfl0fHo a}+sx¿df Nostro vftf vf]Ng] / oL sfof{nox¿n] a}+s tyf ljQLo ;+:yf

Pjd\ dlgr]~h/nfO{ pknJw u/fpg] ef/tLo ¿k}ofF Nostro vftf vr{ x'g] u/L

r]s÷6«fG;km/ cflbsf] dfWodaf6 pknJw u/fpg] tyf ;j{;fwf/0fnfO{ pknJw

u/fpg] ;6xL ;'ljwf ;d]t ;s];Dd r]ssf] dfWodaf6 pknJw u/fO{ ef/tLo

¿k}ofFsf] gub sf/f]jf/nfO{ sd ub}{ n}hfg' kg]{ 5 .

44

-v_ ;LdfjtL{ If]qdf /x]sf a}+ssf sfof{nox¿n] klg ;f] If]qdf /x]sf ef/tLo jfl0fHo

a}+sx¿df To:tf] Nostro vftf vf]nL cf-cfkm\gf u|fxs tyf ;j{;fwf/0fnfO{ ljBdfg

Joj:yf cg';f/ pknJw u/fpg] ;6xL ;'ljwf ;f]xL vftf vr{ x'g] u/L pknJw

u/fpg] Joj:yf ldnfO{ ef/tLo ¿k}ofFsf] gub sf/f]jf/nfO{ sd ub}{ n}hfg' kg]{ 5 .

-u_ ef/tLo ;LdfjtL{ If]qdf Nostro vftf vf]Ng a}+s tyf ljQLo ;+:yf Pjd\

dlgr]~h/x¿nfO{ cfjZos kg]{ l;kmfl/; b]xfosf zt{ /fvL o; a}+saf6 pknJw

u/fO{ Nostro vftf vf]Ng lbg ;lsg] 5 .

-!_ pQm vftfdf o; a}+sn] r]s÷6«fG;km/ cflbsf dfWodaf6 pknJw u/fPsf]

/sd dfq hDdf ug{ kfOg] 5 .

-@_ ljBdfg Joj:yf cg';f/ ;j{;fwf/0fnfO{ pknJw u/fpg] ef/tLo ¿k}ofF

;6xL ;'ljwf ;f]xL vftf vr{ x'g] u/L ;s];Dd r]ssf] dfWodaf6 pknJw

u/fpg' kg]{5 .

-#_ pQm vftfsf] a}+s :6]6d]06 dfl;s ¿kdf o; a}+sdf k]z ug'{ kg]{5 .

-$_ gub NofpFbfsf] 9'jfgL, ;'/Iff, aLdf cflbsf] Joj:yf cfk}mn] ug'{ kg]{5 .

-3_ a}+s, ljQLo ;+:yf tyf dlgr]~h/x¿nfO{ Nostro vftf vf]Ng cfjZos kg]{

l;kmfl/; o; a}+ssf] s]Gb|Lo sfof{no nufot lhNnfl:yt sfof{noaf6 pknAw

u/fOg] 5 .

!=!!=* sfuhft ;'/lIft /fVg' kg]{ M

o; kl/kq adf]lhd Jofkfl/s sf/f]jf/ Pjd\ ;6xL ;'ljwf k|bfg ubf{ lnOPsf k|dfl0ft

sfuhftx¿ o; a}+saf6 lg/LIf0f x'Fbf tyf k|rlnt sfg"g adf]lhd hfFra'em ug]{

clwsf/Laf6 hfFra'em x'Fbfsf avt b]vfpg ;Sg] u/L ;'/lIft /fVg' kg]{5 .

!=!!=( ef=?= sf/f]jf/sf] lj=lj=lg= kmf/fd k]z ug]{ Joj:yf M

-s_ o; a}+ssf pkTosf aflx/l:yt sfof{nox¿n] cfˆgf] sfof{no / cfˆgf] sfo{If]q

cGtu{tsf dlgr]~h/ dfk{mt ePsf] sf/f]jf/ ljj/0f PsLs[t u/L o; a}+ssf] a}+lsË

sfof{nonfO{ pknJw u/fpg' kg]{5 .

-v_ o; a}+ssf] a}lsË sfof{non] pkTosf aflx/l:yt sfof{nox¿n] pknJw u/fPsf]

tYof+s PsLs[t u/L o; ljefunfO{ pknJw u/fpg' kg]{ 5 .

u_ a}+s tyf ljQLo ;+:yfx¿n] cfkm\gf ;Dk"0f{ sfof{nox¿n] u/]sf ;Dk"0f{ ef/tLo

¿k}ofF ;DaGwL sf/f]jf/sf] dfl;s ljj/0f PsLs[t u/L o; ljefunfO{ k|To]s dlxgf

;dfKt ePsf] !% lbg leq lj=lj=lg=ef=¿=kmf=g+=$ / % adf]lhd pknJw u/fpg'

kg]{5 .

-3_ o; a}+ssf] zf]wgfGt/ dxfzfvfsf] k|of]hgsf] nflu pknJw u/fpg] u/]sf]

tYof+sx¿ oyfjt ¿kd} pknJw u/fpg' kg]{5 .

!=!!=!) ef/taf6 lnPsf] ;]jfsf] ;6xL :jLs[lt k|bfg ubf{ g]kfn ;/sf/nfO{ e'StfgL ug{'kg]{

clu|d cfos/ (TDS), /fhZj nufotsf /sd o; a}+sn] k|sfzg u/]sf] ef/tLo ?k}ofFsf]

ljqmLb/sf] cfwf/df u0fgf u/L bflvnf ug{'kg]{5 .

!=!@ 8«fˆ6 l6=l6=, DAP, DAA / k|tLtkq, nufotsf dfWodaf6 dfn;fdfg cfoft ubf{ To:tf]

sf/f]jf/df sf/f]jf/sf] e'StfgLsf] dfWod -Mode of Payment_ ;f]xL cg'?k s'g} Pp6f dfq x'g'kg]{5 .

pk/f]Qmfg';f/ clu|d e'StfgL k7fpFbf s'g} Pp6f pks/0f 5gf}6 ug{'kg]{5 .

!=!# g]kfn ;/sf/sf ljsf; cfof]hgf ;~rfng ug]{ ;/sf/L lgsfon] :jLs[t ;]jf vl/bsf nflu

k|tLtkq vf]Nbf ;DalGwt lgsfosf] cg'/f]w kq ;lxt lgj]bg k|fKt ePdf o; a}+ssf] :jLs[lt lng'

kg]{ 5}g . o;/L vf]lnPsf] k|tLtkqsf] hfgsf/L o; ljefunfO{ lbg'kg]{5 .

45

!=!$ nufgL jf]8{af6 /fli6«o dxTjsf] cfof]hgfsf] ?kdf klxrfg ePsf] / xfn lgdf{0f z'? ePsf] c?0f

t];|f] hnljB't cfof]hgfsf] nflu PDA df pNn]v eP adf]lhd cfof]hgfsf] ljsf;stf{ SJVN-

Arun -3 Power development company n] k/fdz{bftf÷lgdf{0fstf{ 7]s]bf/nfO{ lbg' kg]{ e'QmfgLsf]

;6xL ;'ljwf k|bfg ug'{kbf{ ljsf;stf{ sDkgLaf6 sfo{;Dkfbg osLg tyf nufgL jf]8{sf]

sfof{noaf6 l;kmfl/; eO{ cfPsf] cfwf/df tkl;ndf pNn]lvt sfuhftx¿sf] k/LIf0f u/L jfl0fHo

a}+sx¿n] 7]Ssf /sdsf] ;Ldf ggf£g] u/L l;w} ef/tLo ?k}ofFsf] ;6xL ;'ljwf k|bfg ug{ ;Sg]5g\ .

o;/L a}+sn] ;6xL ;'ljwf pknAw u/fpFbf ;f]sf] hfgsf/L nufgL jf]8{sf] sfof{no / o; ljefunfO{

lbg'kg]{5 .

tkl;nM

!=cfof]hgf ljsf;stf{ SJVN- Arun -3 Power development company af6 sfo{ ;Dkfbg ePsf]

Joxf]/fsf] kq .

@=nufgL jf]8{sf] sfof{nosf] l;kmfl/; kq .

#=e'QmfgL jfkt lgodfg';f/ ltg'{kg]{ s/ lt/]sf] k|df0f .

$=7]Ssf s'n /sdsf] ;Ldfleq /x]sf] k|df0f .

46

cg';"rL !=!

-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!=! sf] -v_ sf] k|of]hgsf nflu_

lj=lj=lg=kmf=g+= #

l;=g+= ldlt M

========================== a}+s

=========================zfvf .

ljifoM k|tLtkq vf]n]sf] ljj/0f .

>L Jo:yfksHo"

s[kof lgDg ljj/0f adf]lhdsf] cfoft k|tLtkq ======================= ljqm]tf÷pTkfbgstf{ kmd{sf] gfddf -s_

vf]nL lbg'x'g -v_ ;+zf]wg -u_ /2 ul/lbg' x'g cg'/f]w ub{5' .

!= vf]lng] k|tLtkq ;DaGwL ljj/0f M

-s_ k|tLtkq vf]lng] s'n ljb]zL d'b|f /sd M

-v_ ;fdfg rnfg x'g] b]z M

-u_ ;fdfg cfoft x'g] eG;f/ k|j]z ljGb' M

@= ;fdfgsf] ljj/0f

cfoft ul/g] ;fdfgsf] gfd xfdf]{lgs sf]8 g+= kl/df0f d"No -lj=d'=/sd_

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

lgj]bssf] b:tvt

;+zf]wg tyf /2sf] xsdf M

!= k|tLtkq gDa/ kmd{sf] gfd M

@= ;+zf]wg ug'{kg]{ j'Fbfx¿ 7]Uffgf M

-s_ cfos/ btf{ gDa/

-v_

++++++;DalGwt a}+sn] eg'{kg]{ ljj/0f

!= cfoft k|tLtkq gDa/ @= vf]n]sf] ldlt -O=;+=df_

#= axfnL ldlt $= k|tLtkq vf]n]sf] /sd -lj=d'=df_

%= e'QmfgLsf] ;|f]t M -s_ a}+ssf] df}Hbftaf6

-v_ cfoftstf{sf] ljb]zL d'b|f vftfaf6

^= ljlgdo b/ M &= P8efOlhË a}+ssf] gfd M

*= k|tLtkqsf] e'QmfgL Joj:yf M -s_ ;fO6 -v_ o";fG; -slt cjlwsf]_

pko{'Qm ljj/0f adf]lhd lgodfg';f/ cfoft k|tLtkq -s_ vf]n]sf] -v_ ;+zf]wg -u_ /2 u/]sf] Joxf]/f

k|dfl0ft ub{5' .

clVtof/ k|fKt clwsf/Lsf] b:tvt

a}+ssf] 5fk M

47

cg';"rL !=@

-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!=$ sf] -s_ sf] k|of]hgsf nflu_

lj=lj=lg=kmf=g+=$

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

=========================zfvf

l;=g+= ldlt M

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

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

==========================.

ljifoM k}7f/Lsf] e'QmfgL k|df0fkq .

dxfzo,

lgDg ljj/0f adf]lhdsf ;fdfgsf] k}7f/Lsf] nflu d]zz{ >L============================= n] o; a}+saf6 lgDgfg';f/

-s_ e'QmfgL u/L -v_ qm]l86 ;'ljwf -o';fG; k|tLtkq_ cGtu{t sfuhft 5'6fpg' ePsf] Joxf]/f k|dfl0ft ub{5' .

!= cfoft k|tLtkq÷l8=P=kL÷l8=P=P= gDa/ @= k|tLtkq vf]n]sf]÷ l8=P=kL÷l8=P=P=k|fKt ePsf] lj=d'=/sd

#= e'QmfgL ul/Psf] lj=d'=/sd $= e'QmfgL ul/Psf] ldlt

%= qm]l86 ;'ljwf cGtu{tsf] lj=d'=/sd ^= ljlgdo b/

&= e'QmfgLsf] ;|f]t M -s_ a}+ssf] df}Hbftaf6 -v_ cfoftstf{sf] lj=d'= vftfaf6

*= ;fdfgsf] ljj/0f M

e'QmfgL ul/Psf] ;fdfgsf] ljj/0f xfdf]{lgs sf]8 g+= kl/df0f e'QmfgL /sd -lj=d'=_


5fk M

b|i6JoM

l8=P=lk=eGgfn] Documents Against Payment nfO{ hgfpF5 .

l8=P=P= eGgfn] Document Against Acceptance eGg] hgfpF5 .

eG;f/ k|of]hgsf] nflu

dfly plNnlvt ljj/0f cg';f/sf] d"No ljb]zL d'b|f =================================== sf] hDdf

======================================== kl/df0fsf] =========================================================== ;fdfgx¿ ldlt

============================ sf] eG;f/ /l;b g+= =============== af6 o; eG;f/ sfof{noaf6 5'6fO nu]sf] k|dfl0ft ub{5f}F+ .

eG;f/ clws[tsf] b:tvt

eG;f/ clws[tsf] gfd M

5fk

gf]6 M -s_ klxnf] @ k|lt eG;f/ k|of]hgsf] nflu -eG;f/ sfof{noaf6 k|dfl0ft ul/;s]kl5 ! k|lt ;DalGwt

a}+sdf g} a'emfpg' kg]{ _ .

-v_ t];|f] k|lt g]kfn /fi6« a}+s, ljb]zL ljlgdo Joj:yfkg ljefu, afn'jf6f/df k7fpg' kg]{ .

-u_ rf}yf] k|lt ;DalGwt a}+sdf clen]v /fVg' kg]{ .

48

cg';"rL !=#

-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!=$ -v_ sf] -&_ sf] k|of]hgsf nflu_

lj=lj=lg=kmf=g+=$-3_

ldlt M

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

===================== zfvf

qm]l86 ;'ljwf -Usance k|tLtkq_ cGt/ut e'QmfgL u/]sf] k|df0fkq

>L g]kfn /fi6« a}+s


afn'jf6f/, sf7df8f}+ .

dxfzo,

tn plNnlvt cfoftstf{n] qm]l86 ;'ljwf -Usance k|tLtkq_ cGt/ut vf]n]sf] k|tLtkqaf6

ldlt ============================ df 5'6fPsf] Document sf] e'QmfgL lgDg adf]lhd ePsf] Aoxf]/f k|dfl0ft

ub{5' .

!= cfoftstf{sf] gfd M

@= k|tLtkq g+= M

#= k|tLtkq vf]Nbfsf] ldlt M

$= k|tLtkq vf]Nbfsf] /sd M

%= e'QmfgL ul/Psf] lj=d'= /sd M

^= e'QmfgL ldlt M

&= ljlgdo b/ M

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


gfd M

kb M

a}+ssf] 5fk M

49

cg';"rL !=$

-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!=!@ sf] -5_ sf] k|of]hgsf nflu_

kl/jTo{ ljb]zL d'b|fdf ;fdfg cfoft ug]{ u/L vf]lnPsf k|tLtkqx¿sf] ;fKtflxs ljj/0f

ljj/0f cfoft x'g] j:t'

l;=g+= Pn=;L=g+ vf]n]sf]

ldlt

k|tLtkq

sf] Dofb

cfoft

stf{sf] gfd

j]lglkml;o/L

sf] gfd gfd kl/df0f d"No

pTkfbg

ePsf] b]z

rnfg

ePsf] b]z s'g} ;+zf]wg eP


gfd M

kb M

a}+ssf] 5fk M

50

cg';"rL !=%

-O=k|f= kl/kq ;+Vof–! sf] bkmf !=#=@ sf] -3_ sf] k|of]hgsf] nflu_

lj=lj=lg=kmf=g+= #-v_

ldlt M

========================== a}+s

=========================zfvf .

ljifoM gub÷8«fk\m6÷l6=l6= ;6xL ;'ljwf .

>L Joj:yfksHo",

o; kmd{÷sDkgLnfO{ lgDg ;fdfg tftf]kfgL eG;f/ ljGb'dfkm{t rLgsf] :jzfl;t If]q

ltAataf6 cfoft ug'{kg]{ ePsf] / ;f]sf] e'QmfgL gub÷8«fk\m6÷l6=l6=sf] dfWodaf6 ug'{kg]{ ePsf] x'Fbf s[kof

lgDgfg';f/ gub ljb]zL d'b|f÷8«fk\m6÷l6=l6= ;6xL ;'ljwf pknJw u/fO{ lbg'x'g cg'/f]w ub{5' . pko{'Qm ;6xL

cg';f/sf] j:t' cfoft u/L ;f]sf] lg:;f () lbgleq k]z ug]{5' .

!= j:t'sf] gfd M

@= kl/df0f M

#= ljb]zL d'b|f /sd M

$= e'QmfgL kfpg] kmd{÷sDkgLsf] gfd 7]ufgf M

-8«fk\m6÷l6=l6=sf] xsdf dfq nfu' x'g]_

lgj]bs,

cflwsfl/s b:tvt

-cfoftstf{ kmd{÷sDkgLsf] gfd / 5fk_

gf]6M cfoft ul/g] ;Dk"0f{ j:t'x¿sf] gfd, a|f08, kl/df0f, OsfO d"No s'n d"Noaf/] lj:t[t / 5'§f5'§} ljj/0f

clgjfo{ ?kn] pNn]v ePsf] x'g'kg]{5 .

51

cg';"rL !=^

-O=k|f= kl/kq ;+Vof–! sf] bkmf !=#=@ sf] -3_ sf] k|of]hgsf] nflu_

lj=lj=lg=kmf=g+=$ -v_

=== === === === === a}+s

=== === === === == zfvf

ldlt M

g]kfn ;/sf/

tftf]kfgL eG;f/ sfof{no

tftf]kfgL .

ljifo M– gub÷8«fkm\6÷l6=l6= ;6xL ;'ljwf .

lgDg ljj/0f adf]lhdsf] ;fdfgsf] k}7f/Lsf] nflu d]zz{ >L === === === === nfO{ o; a}+s÷ljQLo

;+:yfaf6 lgDgfg';f/sf] ljb]zL d'b|f gub÷ 8«fkm\6÷l6=l6= k|bfg ul/Psf] Joxf]/f k|dfl0ft ul/Psf] 5 .

s|=;+= cfoft ul/g] ;fdfgsf] ljj/0f xf/df]lgs sf]8 gDj/ kl/df0f ;6xL lnPsf] s'n lj=d'=

/sd

ejbLo,

ljj/0f tof/ ug]{sf] b:tvt clVtof/ k|fKt clwsf/Lsf] b:tvt

gfd M

kb M

a}+ssf] 5fk M

5fk

gf]6M cfoft ul/g] ;Dk"0f{ j:t'x¿sf] gfd, a|f08, kl/df0f, OsfO d"No, s'n d"Noaf/] lj:t[t / k|dfl0ft

ljj/0f clgjfo{ ?kn] pNn]v ug'{kg]{5 . o; k[i7df gc6fPsf] v08df k5fl8sf] k[i7 k|of]u ug'{kg]{5 .

-------------------------------------------------------------------------------------------------------------------


dfly pNn]lvt ljj/0f cg';f/sf] d"No ljb]zL d'b|f= ================ sf] hDdf ================== kl/df0fsf]

================== ;fdfgx¿ ldlt ===================== sf] eG;f/ /l;b g+= ================= af6 o; eG;f/

sfof{noaf6 5'6fO{ nu]sf] k|dfl0ft ub{5f}F+ .

eG;f/ clws[tsf] b:tvt / 5fk

-------------------------------------- gf]6M -s_ klxnf] @ k|lt eG;f/ k|of]hgsf] nflu -eG;f/ sfof{noaf6 k|dfl0ft ul/;s]kl5 ! k|lt ;DalGwt a}+s÷ljQLo

;+:yfdf g} a'emfpg'kg]{

-v_ t];|f] k|lt ;DalGwt a}+s÷ljQLo ;+:yfdf clen]v /fVg'kg]{ .

52

cg';"rL !=&

-O=k|f= kl/kq ;+Vof–! sf] bkmf !=#=% sf] k|of]hgsf] nflu_


s]Gb|Lo sfof{no


afn'jf6f/, sf7df8f} .

ljifoM– ljj/0f k7fPsf] .

dxfzo,

To; ljefusf] O=k|f= kl/kq ;+Vof–! sf] bkmf !=#=% sf]] Joj:yf cGt/ut tftf]kfgL eG;f/ gfsf

dfkm{t ltAataf6 cfoft ug{sf] nflu k|bfg ul/Psf] gub ljb]zL d'b|f ;6xL / a}+s 8«fk\m6÷l6=l6=sf] ljj/0f

lgDgfg';f/ ePsf] Joxf]/f cg'/f]w 5 .

-cd]l/sL 8n/df_

cjlw gub ljb]zL d'b|f 8«fk\m6÷l6=l6= hDdf

b]lv ;Dd lgj]bs ;+Vof /sd lgj]bs ;+Vof /sd lgj]bs ;+Vof /sd

ejbLo,


gfd M

kb M

a}+ssf] 5fk M

53

cg';"rL !=*

-O=k|f= kl/kq ;+Vof–! sf] bkmf !=&=!# sf] k|of]hgsf] nflu_

lj=lj=lg=kmf=g+=# -s_

ldlt M

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

=== === === === == zfvf .

ljifo M– 8«fkm\6÷l6=l6= ;6xL ;'ljwf .

>L Joj:yfksHo",

o; kmd{÷sDkgLnfO{ lgDg ;fdfg cfoft ug'{kg]{ ePsf] / ;f] sf] e'QmfgL k|tLtkqsf] dfWodaf6

geO{sg 8«fkm\6÷l6=l6= sf] dfWodaf6 ug'{kg]{ x'Fbf s[kof lgDg ljj/0f adf]lhdsf] ljqm]tf÷

pTkfbgstf{÷kmd{÷sDkgLsf] gfddf lgDgfg';f/ ljb]zL d'b|f ;6xL ;'ljwf pknAw u/fO{ lbg'x'g cg'/f]w ub{5'

. pko{'Qm ;6xL cg';f/sf] j:t' cfoft u/L ;f] sf] lg:;f Pjd\ o;sf] nflu k|fKt Airwaybill/Shipment/

Transport Document sf] k|ltlnlk () -gJj]_ lbgleq k]z ug]{5' . pko{'Qm dfnj:t' cfoft u/L g;s]sf]

Joxf]/f ;d]t cg'/f]w ub{5' . ;fy}, ;f] Applicant åf/f cGo a}+s dfkm{t ;f]xL Beneficiary nfO{ kl5Nnf] ;ft

sfo{lbgleq 8«fˆ6÷l6=l6 af6 /sd gk7fPsf] / ;f]xL Beneficiary af6 8«fˆ6÷l6=l6 cGtu{tsf] dfn;fdfg

Shipment x'g afFsL g/x]sf] :j3f]if0ff ub{5' .

!= j:t'sf] gfd M

@= kl/df0f M

#= lj=d'= /sd M

$= e'QmfgL kfpg] laqm]tf÷pTkfbgstf{÷kmd{÷sDkgLsf] gfd 7]ufgf M

%= k|tLtkq -LC_ vf]Ng g;Sg'sf] sf/0f M

lgj]bs,

cflwsfl/s b:tvt =========================

-cfoftstf{ kmd{÷sDkgLsf] gfd / 5fk_

54

cg';"rL !=(

-O=k|f= kl/kq ;+Vof–! sf] bkmf !=&=!# sf] k|of]hgsf] nflu_

lj=lj=lg=kmf=g+=$ -s_

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

=== === === === == zfvf

ldlt M

g]kfn ;/sf/

========================= eG;f/ sfof{no

======================================= .

ljifo M– 8«fkm\6÷l6=l6= ;6xL ;'ljwf .

lgDg ljj/0f adf]lhdsf] ;fdfgsf] k}7f/Lsf] nflu >L === === === === nfO{ o; a}+s÷ljQLo ;+:yfaf6

lgDgfg';f/sf] ljb]zL d'b|fsf] 8«fkm\6÷l6=l6= k|bfg ul/Psf] Joxf]/f k|dfl0ft ul/Psf] 5 . ;fy}, cfoftstf{n]

pQm j:t' Po/j]÷l;kd]06÷6«fG;kf]6{ aLn hf/L u/fO{ 9'jfgL ug]{ Joxf]/f klg cg'/f]w 5 . o; ;DaGwL k|f]kmdf{

OGEjfO;sf] k|ltlnlk o;};fy ;+nUg 5 . ;fy} dfly pNn]lvt 8«fkm\6÷l6=l6= sf] ldlt eGbf cufl8 g} g]kfn

lelq;s]sf] dfnj:t'x¿sf] cfoftsf] nflu of] kmf/fd k|of]u ug{ gldNg] Joxf]/f klg cg'/f]w 5 .

l;=g+= cfoft ul/g] ;fdfgsf] ljj/0f xfdf]{lgs sf]8

gDa/ kl/df0f ;6xL lnPsf] s'n lj=d'= /sd

ejbLo,


gfd M

kb M

a}+ssf] 5fk M

ljj/0f tof/ ug]{sf] b:tvt

--------------------------------------------------------------------------------------------------------------------


dfly pNn]lvt ljj/0f cg';f/sf] d"No lj=d'= ================ sf] hDdf ================== kl/df0fsf]

==================== ;fdfgx¿ ldlt ===================== sf] eG;f/ /l;b g+= ================= af6 o; eG;f/

sfof{noaf6 5'6fO{ nu]sf] k|dfl0ft ub{5fF}+ .

-------------------------------

-


gf]6M -s_ klxnf] @ k|lt eG;f/ k|of]hgsf] nflu -eG;f/ sfof{noaf6 k|dfl0ft ul/;s]kl5 ! k|lt ;DalGwt

a}+s÷ljQLo ;+:yfdf g} a'emfpg'kg]{_


55

cg';"rL !=!)

-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!!=! -s_ sf] k|of]hgsf nflu_

lj=lj=lg=kmf=g+=$ -u_

a}+s÷ljQLo ;+:yfsf] gfd

====================7]ufgf

ldlt M

g]kfn ;/sf/

=================eG;f/ sfof{no

=======================================.

ljifo M– k|tLtkq, 8«fkm\6, l6=l6=, ;6xL ;'ljwf -ef=¿=_ .

dxfzo,

lgDg ljj/0f adf]lhdsf] ;fdfgsf] k}7f/Lsf] nflu d];;{============================ nfO{ o; a}+s÷ljQLo

;+:yfaf6 lgDgfg';f/sf] ef=¿= k|tLtkq, 8«fkm\6, l6=l6=gDa/========af6 k|bfg ul/Psf] Joxf]/f k|dfl0ft ul/Psf]

5 .

l;=g+= cfoft ul/g] ;fdfgsf] ljj/0f xfdf]{lgs sf]8

gDa/ kl/df0f ;6xL lnPsf] s'n ef=¿= /sd

ejbLo,

ljj/0f tof/ ug]{sf] b:tvtM


gfd M

kb M

a}+ssf] 5fk M

gf]6 M– cfoft ul/g] ;Dk"0f{ j:t'x¿sf] gfd, a|f08, kl/df0f, OsfO d"No, s'n d"Noaf/] lj:t[t / k|dfl0ft

ljj/0f clgjfo{ ¿kn] pNn]v ug'{ kg]{5 . o; k[i7df gc6fPsf] v08df k5fl8sf] k[i7 k|of]u ug'{ kg]{5 .


dfly pNn]lvt ljj/0f cg';f/sf] d"No ef=¿= ============================== sf] hDdf======================== kl/df0fsf]

========================= ;fdfgx¿ ldlt =============================== sf] eG;f/ /l;b g+= ================== af6 o;

eG;f/ sfof{noaf6 5'6fO{ nu]sf] k|dfl0ft ub{5f}FF .


gf]6 M -s_ klxnf] b'O{k|lt eG;f/ k|of]hgsf nflu -eG;f/ sfof{noaf6 k|dfl0ft u/L ;f]sf] Ps k|lt ;DalGwt

a}+s÷ljQLo ;+:yfd} lkmtf{ a'emfpg' kg]{_


56

cg';"rL !=!!

-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!!=# sf] -s_-!_ sf] k|of]hgsf nflu_

lj=lj=lg=ef=¿= kmf=g+=!

-a}+s÷ljQLo ;+:yfn] ef=¿=/sdfGt/sf] nflu cfj]bg ug]{ kmf/fd_


a}+lsË sfof{no

yfkfynL, sf7df08f} .

ljifo M– ef=¿=v/Lb af/] .

dxfzo,

o; a}+s÷;+:yfsf] sf/f]jf/sf] nflu ef/tLo ¿k}ofFsf] df}Hbft ckof{Kt ePsf] x'Fbf lgDg adf]lhd

ef=¿= vl/b ug{ cg'/f]w ul/Psf] 5 .

!_ ut dlxgf -=============_ sf] dfl;s sf/f]jf/

dfl;s vl/b -ef=?=_ ===================

dfl;s ljqmL -ef=?=_ ===================

-Go"g÷jrt_ ==================

cfufdL xKtfsf] nflu cfjZos ef=?= ===================

@_ vl/b ul/g] ef=¿= sf] kl/df0f M

#_ Eofn' 8]6 M

$_ ef= ¿= hDdf ug'{kg]{ M

-s_ Ph]G;L a}+ssf] gfd M

-v_ 7]ufgf M

-u_ vftf gDa/ M

pko'{Qm adf]lhdsf] ef=¿= /sdfGt/ ul/lbg' x'gsf] ;fy} Eofn' 8]6 (Value Date) sf] lbg To;

sfof{nol:yt xfd|f] vftf -vftf g+= ===========================_ df cfjZos /sd vr{ n]Vg' x'g ;d]t cg'/f]w 5 .

;fy}, syd\sbflrt\ pQm vftfdf kof{Kt /sd g/x]sf] cj:yfdf k|rlnt Jofh b/af6 x'g cfpg] xhf{gf ltg{

xfd|f] dGh'/L /x]sf] Joxf]/f klg cg'/f]w 5 . ef=?= vl/b / ljqmLsf] dfl;s÷;fKtflxs ljj/0f lj=lj=lg=ef=?=

kmf=g+= $ / % o;};fy ;+nUg u/]sf 5f}F .

ejbLo,

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

cflwsfl/s b:tvt

cflwsfl/s JolQmsf] gfd

kbM

a}+s÷ljQLo ;+:yfsf] 5fk

gf]6 M pQm ;fKtflxs /sdsf] cltl/Qm s'g} 7"nf] e'QmfgL lbg cfjZos k/]df ;f]sf] Joxf]/f vf]nL o;} kmf/fd

;lxt lgj]bg k]z ug'{ kg]{5 .

57

cg';"rL !=!@

-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!!=$ sf] -s_ sf] k|of]hgsf nflu_

lj=lj=lg=ef=¿=kmf=g+=@

ef/tLo ladf sDkgLx¿n] l/Kofl6«P;gsf] nflu cg'/f]w ubf{ k]z ug'{ kg]{ kmf/fd

>L -a}+s÷ljQLo ;+:yfsf] gfd_

-7]ufgf_

dxfzo,

o; sDkgLsf] =======-;fn_========================dlxgf_ sf] cfDbfgL vr{sf] b]xfo adf]lhdsf] ljj/0f k]z

ul/Psf] 5 . g]kfn /fi6« a}+s, ljb]zL ljlgdo Joj:yfkg ljefusf] PsLs[t kl/kqsf] kl/kq ;+Vof ! sf] bkmf !=!!=$

adf]lhd ======= l:yt lk|lG;kn sDkgL÷d'Vo sfof{no================sf] gfddf l/Kofl6«P;g ug{ k|rlnt ljlgdo b/df

;6xL :jLs[lt pknJw u/fO{ lbg' x'g cg'/f]w ub{5f}F .

s|=;+= ljj/0f ?k}ofF s|=;+= ljj/0f ?k}ofF

1 =========== dlxgfdf bfjL e'QmfgL /sd 10 =======dlxgfsf] z'¿df afFsL l/he{ /sd

2 ======dlxgfsf] cGt;Dddf e'QmfgL ug{

afFsL bfjL /sd

11 ================ dlxgfsf] lk|ldod /sd

hDdf 12 ========= dlxgfsf] Jofh cfDbfgL /sd

3 ===== dlxgfsf] z'¿df bfjL afFsL /sd 13 ========== dlxgfsf] cGo cfDbfgL /sd

4 =========================dlxgfsf] v'b /sd 14 ======================== s'n df}Hbft /sd

5 ====================================== sld;g

6 ============================ Joj:yfkg vr{

7 ================================ cGo vr{x¿

8 =========== dlxgfsf] cGtdf afFsL l/he{

9 l/Kofl6«P;gsf] nflu pknJw afFsL

hDdf

pko'{Qm cjlwsf] ljj/0f 7Ls b'¿:t ePsf] k|dfl0ft ub{5f}FF . ;fy}, ;f] ljj/0f cg';f/ cGo a}+s÷ljQLo ;+:yfaf6

l/Kofl6«P;g ;'ljwf lnPsf] 5}g . e'mÝf 7xl/Pdf k|rlnt sfg"g÷lgod adf]lhd ;xg] a'emfpg] 5fF} .

ldltM cflwsfl/s b:tvtM

sDkgLsf] gfd

7]ufgfM

sDkgLsf] 5fkM

af]wfy{M



lg/LIf0f tyf cg'udg kmfF6


58

cg';"rL !=!#

-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!!=$ sf] -u_ sf] k|of]hgsf nflu_

lj=lj=lg=ef=¿=kmf=g+=#

ef/tLo jfo';]jfx¿n] l/Kofl6«P;gsf] nflu cg'/f]w ubf{ k]z ug'{ kg]{ kmf/fd

>L -a}+s÷ljQLo ;+:yfsf] gfd_

-7]ufgf_

dxfzo,

o; sDkgLsf] =======-;fn_========================dlxgf_ sf] cfDbfgL vr{sf] b]xfo adf]lhdsf] ljj/0f k]z

ul/Psf] 5 . g]kfn /fi6« a}+s, ljb]zL ljlgdo Joj:yfkg ljefusf] PsLs[t kl/kqsf] O=k|f=kl/kq ;+Vof ! sf] bkmf

!=!!=$ adf]lhd ==== l:yt lk|lG;kn sDkgL÷d'Vo sfof{no================sf] gfddf l/Kofl6«P;g ug{ k|rlnt ljlgdo

b/df ;6xL :jLs[lt pknJw u/fO{ lbg' x'g cg'/f]w ub{5f}FF .

s|=;+= ljj/0f ?= ?=

1 ======= dlxgfsf] xjfO{ l6s6 ljqmL /sd ====================

2 ====== dlxgfsf] sfuf]{÷9'jfgL ljqmL

-s_ lgof{t /sd ====================

-v_ cfoft /sd ====================

3 cGo k|flKt ;+slnt /sd ====================

s'n ;+slnt /sd ====================

4 ======= dlxgfsf] e'QmfgL /sd ====================

5 ======= dlxgfsf] v'b /sd ====================

-s_ tnj eQf

cflb

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

-v_ 3/ef8f ====================

-u_ s/÷b:t'/

cflb

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

-3_ sld;g ====================

-ª_ Joj:yfkg vr{ ====================

-r_ cGo vr{x¿ ====================

6 ===================== dlxgfsf] cGtdf v'b afFsL /sd ====================

7 a}+s÷ljQLo ;+:yfl:yt vftfdf afFsL /sd ====================

8 vftfdf /fVg' kg]{ Go'gtd df}Hbft /sd ====================

9 l/Kofl6«P;g ug'{ kg]{ /sd ====================

pko{'Qm cjlwsf] ljj/0f 7Ls b'¿:t ePsf] k|dfl0ft ub{5f}FF . ;fy}, ;f] ljj/0f cg';f/ cGo a}+s÷ljQLo ;+:yfaf6

l/Kofl6«P;g ;'ljwf lnPsf] 5}g . e'mÝf 7xl/Pdf k|rlnt sfg"g÷lgod adf]lhd ;xg] a'emfpg] 5fF} .

ldltM cflwsfl/s b:tvt M

sDkgLsf] gfd

7]ufgf M

sDkgLsf] 5fk M

af]wfy{M





59

cg';"rL !=!$

-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!!=% sf] k|of]hgsf nflu_

lj=lj=lg=ef=¿=kmf=g+=^

ldlt ==========================

>L =========================a}+s

===============================zfvf .

ljifoM ef/tLo ¿k}ofFsf] ;6xL pknJw u/fO{ kfpF .

pko'{Qm ;DaGwdf dnfO{ ================================================== k|of]hgsf nflu ef/tLo ¿k}ofF ==================

cfjZos k/]sf] x'Fbf lgodfg';f/ ;f]sf] ;6xL pknJw u/fO{ lbg' of] lgj]bg k]z u/]sf] 5' .

lgj]bs,

gfdM

7]ufgfM

kmf]g g+=M

gf]6M ef=¿=@%,))).– eGbf a9Lsf] ;6xL cfjZos k/]df ;DalGwt JolQmsf] gf=k|f=g+÷kl/rokqsf] k|ltlnlk

/ k|of]hg v'Ng] sfuhft clgjfo{ ¿kdf ;+nUg ug'{ kg]{5 .

a}+s tyf ljQLo ;+:yfsf] k|of]hgsf] nflu M

;6xL lbOPsf] /sd =============================

;6xLsf] dfWodM gub÷8«fkm\6÷6L=6L÷sf8{ ÷cGo

;6xL lbg]sf] b:tvt M===============================

;6xL :jLs[t ug]{sf] b:tvt======================

60

cg';"rL !=!%

-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!!=( sf] -u_ sf] k|of]hgsf nflu_

lj=lj=lg=ef=¿= kmf=g+=$

-a}+s÷ljQLo ;+:yfsf] gfd_

-7]ufgf_

ldltM @)& ÷ ÷ b]lv ldltM @)& ÷ ÷ ;Dd

ef=¿= vl/bsf] ;fKtflxs÷dfl;s ljj/0f

ef=¿= xhf/df

b[Zo lgof{t afx]s ef=¿=

vl/b b[Zo lgof{taf6 ef=¿= vl/b

zLif{s

;]jf

e|d0f

lghL vr{

cGo

;fd

fg ljqmL

vfB

fGg

t]nxg

jg k}bfjf/

lhljt hgfj

/

h'6

sTyf / sR5

cn}FrL

cGo lgsf;

L

hDdf ef=¿=

vl/b

s}lkmo

t

gub

8«fk\m6÷l6=l6

=

k|tLtkq

P=l6=Pd

cGo

gf]6M–


gfd M

kb M

a}+ssf] 5fk M

61

cg';"rL !=!^

-O=k|f= kl/kq ;+Vof– ! sf] bkmf !=!!=( sf] -u_ sf] k|of]hgsf nflu_

lj=lj=lg=ef=¿= kmf=g+=%

-a}+s÷ljQLo ;+:yfsf] gfd_

-7]ufgf_

ldltM @) ÷ ÷ b]lv ldltM @) ÷ ÷ ;Dd

ef=¿= ljqmLsf] ;fKtflxs÷dfl;s ljj/0f

ef=¿= xhf/df

cb[Zo e'QmfgLsf] nflu ef=¿= ljqmL b[Zo k}7f/Lsf] nflu ef=¿=ljqmL

zLif{s

lzIff

:jf:Yo

e|d0f

tLy

{ofq

f

lghL vr{

;]jf z'Ns

cGo

k'm6s/ cfo

ft

lSnol/Ë km/jfl8Ë

9'jfg

L tyf ef8

f e/f}6

k}7f/Ls

f] nflu clu

|d

e'QmfgL

cfO= lj=;

L= e'QmfgL

k|tLt

kq cGt/ut e'QmfgL

hDdf ef=¿= ljqmL

s}lkmo

t

gub

8«fk\m6÷l6

=l6=

k|tLtkq

P=l6=Pd=

cGo

gf]6M–


gfd M

kb M

a}+ssf] 5fk M

62

cg';"rL !=!&

-O=k|f= kl/kq ;+Vof M ! sf] bkmf !=!=!$, !=@=! sf]

v08 -em_, !=@=@ sf] v08 -7_, !=&=!( / !=!!=! sf] v08 -k_ sf] k|of]hgsf] nflu_

cfoft cg'dlt cfjZos kg]{ vfB j:t'x¿sf] ;+lIfKt ;"rL

!= vfBfGg÷cGg tyf o;af6 tof/ ePsf vfB kbfy{x¿

@ t]n, l3p -k|zf]lwt tyf ck|zf]lwt_

#= b'w tyf b'whGo kbfy{x¿

$= kmnkm'n tyf t/sf/LhGo pTkfbgx¿

% k|mf]hg tyf k|zf]lwt df5f, df;' tyf o;sf pTkfbgx¿

^= bnxg, u]8fu'l8, t]nxg, abfd, cf]v/, sfh', lk:tf h:tf vfB g6\;x¿

&= lkpg] kfgL

* ljz]if pkof]usf vfB kbfy{x¿ M

lzz' cfxf/ tyf lzz' kmd{'nf vfB kbfy{x¿

afn cfwf/ tyf afn kmd'{nf vfB kbfy{x¿

lzz' tyf afn cfxf/k'/s vfB kbfy{x¿

cfwf/k'/s vfB kbfy{x¿ -km'8 ;lKnd]06, 8fO6/L ;lKnd]06, Go'l6«;gn ;lKnd]06_

(= k]o kbfy{x¿

!)= rsn]6, r'Oªud, 6lkm, sf]sf] kbfy{x¿ cfbL

!!= sfFrf] tyf tof/L :GofS; km'8\; h:t} kfk8 e'lhof, lkmªulrK;, bfndf]7, ld7fO{, ;f]gkfk8L

cfbL

!@= d;nf, lrof, slkm, g'g cfbL

!# c08f tyf c08fhGo vfB kbfy{x¿

!$ vfB of]ulznx¿ M kl//IfL, vfB/+u, jf;gf, OdN;Lkmfo/, PG6LcS;L8]G6, vfB tyf k]o

kbfy{df k|of]u x'g] vfB pBf]usf cGo cjojx¿ -OGu|]l8o]G6;x¿_

!%= lrgL, dx nufotsf u'lnof] kbfy{x¿

!^= cGo ljleGg ck|zf]lwt, cw{k|zf]lwt tyf k|zf]lwt vfB kbfy{x¿

63

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M)@÷@)&^

ACU sf/f]jf/ ;DaGwL Joj:yf .

o; a}+saf6 ACU sf/f]jf/ ;DaGwdf b]xfo adf]lhdsf] Joj:yf ePsf]n] ;f]xL adf]lhd ug{÷u/fpg ljb]zL

ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6« a}+s, a}+lsË sfof{no

nufot ;a} sfof{nox¿ / Ohfhtkqk|fKt æsÆ ju{sf a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

!= g]kfn / ef/t aLr x'g] Jofkfl/s sf/f]jf/x¿ afx]s ACU sf cGo ;b:o /fi6«x¿ aLr x'g] cd]l/sL

8n/÷o'/f] kfFr ;o jf ;f] eGbf a9L /sdsf] sf/f]jf/ clgjfo{ ?kdf ACU af6 ug'{ kg]{5 . t/,

;f]eGbf sd /sdsf] sf/f]jf/ eg] a}+s cfkm}Fn] cGo dfWodaf6 ug{'kg]{5 . o;/L e'QmfgL k7fpFbf

;DalGwt æsÆ ju{sf a}+sx¿n] lgDgfg';f/ ug{'kg]{5 .

-s_ Pl;og lSnol/Ë o'lgog cGtu{tsf sf/f]jfx¿df k|of]u x'g] dlg6/L o'lg6sf] ljlgdo b/

cd]l/sL 8n/ tyf o'/f] ;Fu a/fa/ x'g] Joj:yf u/L o;nfO{ "ACU DOLLAR" tyf

æACU EUROÆ egL gfdfs/0f ul/Psf] 5 .

-v_ ACU sf/f]jf/sf nflu o'lgogsf ;b:o b]zx¿sf jfl0fHo a}+sx¿n] ACU DOLLAR tyf ACU EURO ACCOUNT vf]Ng'kg]{5 .

-u_ Pl;og lSnol/Ë o'lgog cGtu{t x'g] cfoft lgof{t sf/f]jf/sf] e'QmfgL -Settlement_

cd]l/sL 8n/ tyf o"/f]df dfq ug'{kg]{5 . o; cg';f/ ;f] sf/f]jf/sf] nflu o; a}+s /

;DalGwt a}+sx¿ aLr ul/g] sf/f]jf/ klg cd]l/sL 8n/ tyf o"/f]df dfq x'g]5 .

-3_ ACU ;b:o b]zx¿ aLr x'g] cfoft lgof{tsf] nflu vf]lng] k|tLtkq ACU DOLLAR tyf ACU EURO df dfq vf]Ng'kg]{5 .

-ª_ Pl;og lSnol/+u o'lgog ;DaGwL sf/f]jf/ ug]{ æsÆ ju{sf jfl0fHo a}+sx¿n] o;

ljefudf /x]sf] SWIFT Address: NRBLNPKAFED df ;+nUg cg';'rL @=! cg';f/sf] MT

202 adf]lhdsf] SWIFT Message sf] dfWodaf6 kqfrf/ ug'{ kg]{5 .

-r_ æsÆ ju{sf a}+sx¿n] o; ljeful:yt nufgL zfvfsf] Back Office sf] ACU Desk df

Value Date eGbf slDtdf b'O{ sfo{ lbg cufa} ;+nUg cg';"rL @=! cg';f/sf] e'QmfgL

cg'/f]w kq (Payment Request Letter) k7fO{ ;f]sf] af]wfy{ kq j}+ls+u sfof{no, yfkfynLnfO{

k7fpg] . o; ljefusf] nufgL zfvfsf] Back Office sf] ACU Desk n] e'QmfgL ug'{kg]{

/sd / ;f] afkt nfUg] cGo sldzg -o; ljefun] ug]{ sf/f]jf/ lbgsf] ljlgdo b/sf]

cfwf/df_ æsÆ ju{sf a}+sx¿sf] cd]l/sL 8n/ vftf vr{ u/L Value Date df e'QmfgL x'g]

u/L e'QmfgL ug'{ kg]{ b]zsf] s]Gb|Lo a}+s dfkm{t\ ;DalGwt b]zsf] jfl0fHo a}+ssf] cd]l/sL

8n/ vftfdf /sd hDdf ug{ Payment Instruction k7fpg] .

-5_ æsÆ ju{sf a}+sx¿af6 ACU sf/f]jf/ cGtu{tsf] e'QmfgLsf nflu cGo ACU ;b:o

/fi6«sf jfl0fHo a}+sdf /x]sf] cd]l/sL 8n/ vftfdf /sdfGt/ ug{ rfx]df ;d]t dfly

v08 -r_ df pNn]v eP cg';f/s} Joj:yf nfu' x'g] .

-h_ olb ;DalGwt æsÆ ju{sf a}+sx¿sf] cd]l/sL 8n/sf] vftfdf e'QmfgL ug'{kg]{ /sdsf]

df}Hbft kof{Kt geO{ ;f] vftf Overdrawn x'g] cj:yf cfPdf gk'u /sddf a}+s b/df @

k|ltzt yk u/L lbg uGtLsf] lx;fan] x'g] Jofh jf slDtdf cd]l/sL 8n/ !))=)) dWo]

h'g /sd a9L x'G5 ;f]xL a/fa/sf] xhf{gf nufpg] .

64

@= dfnlbE; dlg6/L cyf]l/6L -Maldives Monetary Authority_ klg Plzog lSnol/Ë o"lgogsf] ;b:o

ePsf]n] dfnlbE;;Fu x'g] Jofkfl/s sf/f]jf/x¿ ;d]t k|rlnt Joj:yf cg';f/ Plzog lSnol/Ë

o"lgog dfk{mt ug'{÷u/fpg' kg]{5 .

#= ACU sf/f]jf/df sld;g / SWIFT rfh{ ;DaGwdf M

o; a+}s dfkm{t Plzog lSnol/ª o'lgogsf ;b:o s]Gb|Lo a+}sx¿df Jofkfl/s sf/f]jf/x¿ afktsf]

/sd e'QmfgL k7fpFbf o; a}+saf6 l:jkm\6 rfh{ / sld;g glng] Joj:yf ul/Psf] 5 .

$= Plzog lSnl/Ë o'lgogsf] sf/f]jf/df Nostro Account sf] k|of]u / Vostro Account df Jofh

k|bfg ug]{ M

Plzog lSnl/Ë o'lgog (ACU) sf] sf/f]jf/df Nostro Account sf] k|of]u / Plzog lSnl/Ë o'lgog

cGtu{t x'g] Jofkfl/s sf/f]jf/ Pjd\ e'QmfgL tyf lx;fa /fkm;fkm k|s[ofnfO{ l56f] 5l/tf] ;DkGg

u/fpg] k|of]hgsf] nflu b]xfo adf]hd ug{'kg]{5 .

-s_ Plzog lSnl/Ë o'lgog cGtu{t x'g] Jofkfl/s sf/f]jf/df ;+nUg x'g] jfl0fHo a}+sx¿n] csf]{

;b:o b]zsf] jfl0fHo a}+sdf Plzog df}lb|s O{sfO{sf] ?kdf /x]sf d'b|fx¿ ACU Dollar

(ACUD) / ACU Euro (ACUE) df Nostro Account vf]Ng' kg]{5 . ;b:o b]zx¿ aLr x'g]

Jofkfl/s sf/f]jf/sf] e'QmfgL tyf /fkm;fkm jfl0fHo a}+s :t/df /x]sf pQm vftfx¿ dfkm{t

ug'{kg]{5 .

-v_ pQm vftfdf kml08Ë u/fpg] tyf vftf aGb u/fpFbf df}Hbft /x]sf afFsL] /sd lkmtf{ lng]

k|of]hgsf] nflu dfq o; a}+s dfkm{t sf/f]jf/ ug{' kg]{5 .

-u_ csf]{ ;b:o b]zsf jfl0fHo a}+sx¿n] g]kfnsf jfl0fHo a}+sx¿df vf]n]sf ACU Dollar

(ACUD) / ACU Euro (ACUE) vftfdf vftf vf]Ng] a}+s;Fu ePsf] ;Demf}tfdf pNn]lvt

zt{x¿sf] cwLgdf /xL cfˆgf] :jljj]sn] Jofh k|bfg ug{' kg]{5 .

65

cg';"rL @=!

-O=k|f=kl/kq ;+Vof @ sf] bkmf -!_ sf] v08 -ª_ ;Fu ;DalGwt_

MT 202 GENERAL FIN INST TRANSFER

Field Description s}lkmot

20 TRN ;DalGwt a}+s tyf o; a}+ssf] aLrdf ePsf] sf/f]jf/sf] ;+s]t

g+=

21 Related Ref.No. ;DalGwt a}+s tyf Beneficiary a}+ssf] aLrdf ePsf] sf/f]jf/sf]

;+s]t g+

32 A Value Date, Currency Code,

Amt

Eofn'8]6 sf] ;Gbe{df /sdfGt/ ug]{ b]zdf ljbf gkg]{ u/L

sDtLdf Ps sfo{ lbg cufa} o; ljefudf SWIFT k7fpg' kg]{ .

53 A Sender's Correspondent o; a}+sdf /x]sf] ACU Dollar tyf ACU EURO vftf g+= ;lxt

;DalGwt jfl0fHo a}+ssf] gfd .

56 A Intermediatory cfjZostf cg';f/

57 A Account with Institutions SWIFT k7fpg] ;DalGwt ljb]zL s]Gb|Lo a}+ssf] gfd

58 A Beneficiary Institution /sd kfpg] ;DalGwt ljb]zsf] jfl0fHo a}+s

72 Sender to Receiver Information Charge s;af6 lng], L/C, T T No, kqfrf/ ug]{ k\mofS; g+= tyf

cGo s'/f cfjZostf cg';f/ v'nfpg] .

66

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M)#÷@)&^

;'g cfoft tyf ljqmL ljt/0f ;DaGwL Joj:yf

1= ;'g cfoft tyf ljqmL ljt/0fsf nflu o;};fy ;+nUg æ;'g cfoft tyf ljqmL ljt/0f sfo{ljlw,

@)^*Æ nfu' ul/Psf] x'Fbf ;f]xL adf]lhd ug'{ u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!(

sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6« a}+s, a}lsË sfof{no nufot cGo sfof{no /

Ohfhtkqk|fKt æsÆ au{sf a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

;'g cfoft tyf ljqmL ljt/0f ;DaGwL sfo{ljlw, @)^*

k|:tfjgf

ljutdf ;'gsf] cTolws cfoftn] d'n'ssf] zf]wgfGt/ l:yltdf k|lts'n k|efj kg{ uPsf] cj:yfnfO{

dWogh/ u/L ;'gsf] clws cfoftnfO{ Jojl:yt ug{ lgoGq0ffTds pkfox¿sf] cjnDag ul/Psf]

lyof] . o;/L sfof{Gjogdf cfPsf] lgoGq0ffTds gLltsf] sf/0f d'n'ssf] ljb]zL ljlgdo ;+lrltdf

;sf/fTds k|efj kb}{ uPsf] / g]kfnh:tf] Go'g cfo ePsf] d'n'sn] aLnfl;tfsf] j:t' dflgg] ;'gsf]

clgolGqt cfoftnfO{ y]Ug g;Sg] cj:yf ;d]tnfO{ dWogh/ u/L b]zsf] k/Dk/f, ;+:s[lt cg'?k

cfGtl/s pkef]usf nflu cfjZos kg]{ ;'g cfoftsf nflu Pp6f lglZrt sfo{ljlw lgwf{/0f ug'{

cfjZos b]lvPsf]n] of] sfo{ljlw th'{df ul/Psf] 5 .

kl/R5]b – !

k|f/lDes

!= ;+lIfKt gfd / k|f/De M -!_ of] sfo{ljlwsf] gfd æ;'g cfoft tyf ljqmL ljt/0f sfo{ljlw,

@)^*Æ /x]sf] 5 . -@_ of] sfo{ljlw /fi6« a}+sn] kl/kq hf/L u/]sf] ldltb]lv nfu' x'g]5 .

@= kl/efiffM ljifo jf k|;Ën] csf]{ cy{ gnfu]df o; sfo{ljlwdf,–

-s_ æ/fi6« a}+sÆ eGgfn] g]kfn /fi6« a}+s P]g, @)%* -;zf]wg ;lxt_ adf]lhd :yfkgf

ePsf] g]kfn /fi6« a}+s ;Demg' k5{ .

-v_ ……a}+sÚÚ eGgfn] a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] bkmf $& sf] pkbkmf

-!_ adf]lhd ljQLo sf/f]jf/ ug{ g]kfn /fi6« a}+saf6 :jLs[t k|fKt æsÆ ju{sf

;+ul7t ;+:yf ;D´g' k5{ .

-3_ æljefuÆ eGgfn] /fi6« a}+ssf] ljb]zL ljlgdo Joj:yfkg ljefu ;Demg' k5{ .

kl/R5]b – @

cfoft ;DaGwL Joj:yf

#= a}+sx¿n] dfq cfoft ug{ ;Sg]M– g]kfn a}+s;{ ;+3sf] l;kmfl/;df æsÆ ju{sf a}+sx¿n] dfq

;'gsf] cfoft ug{ ;Sg]5g\ . t/ pBf]u ljefusf] :jLs[t l:sdleq k/]sf s'g} klg pBf]un]

cf}Bf]lus k|of]hgsf] nflu vfgof]Uo ;'g -Edible Gold_ cfoft ug{ :js[lt dfu u/]df

67

To:tf] ;'g ld>0f u/L tof/ ul/g] pTkfbgdf ;DalGwt cGtMz'Ns sfof{nosf] k|ToIf

cg'udg /xg] zt{df k/LIf0fsf] ?kdf To:tf pBf]unfO{ jflif{s clwstd !,%)) -Ps xhf/

kfFr ;o_ u|fd;Dd vfgof]Uo ;'g -Edible Gold_ b]xfosf sfuhft k]; u/L ;DalGwt

Joj;foLn] ;f]em} a}+sdfkm{t cfoft ug{ ;Sg]5g\M

-s_ cfoft ug]{ pBf]u :jLs[t l:sdleq k/]sf] a]xf]/f v'n]sf] sfuhft .

-v_ ;DalGwt cGtMz'Ns sfof{non] pTkfbgdf vfgof]Uo ;'g ld>0f sfo{df k|ToIf cg'udg

x'g] ;'lglZrttf u/]sf] kq .

$= /fi6« a}+sn] kl/df0f tf]Sg ;Sg] M g]kfn /fi6« a}+sn] ;do ;dodf tf]ls lbPsf] kl/df0f /

k|s[of adf]lhd dfq ;'g cfoft x'g] Joj:yf g]kfn a}+s;{ ;+3n] ldnfpg' kg]{5 1

-s_ cfoft ug{ ;lsg] ;'gsf] b}lgs kl/df0f xfnnfO{ @) -aL;_ lsnf]u|fd sfod

ul/Psf] 5 .

-v_ ;'g cfoft ubf{ Identified specific bar c+lst tyf z'4 ;'g cyf{t ((=(( ;'g

cfoft ug{' kg]{ 5 .

-u_ !)), @)) / %)) u|fd;Ddsf kl/df0fdf ;'g cfoft u/L ljqmL ljt/0f ug'{kg]{5 .

-3_ a}+sx¿n] ;'grfFbL Joj;flox¿nfO{ ;'g laqmL ubf{ k|bfg ug]{ aLhs÷/l;bdf ;'gsf]

z'4tf, a|f08, klxrfg gDa/÷l;=g +=-Identified No._ pNn]v ug{'kg]{5 .

%= a}+sx¿n] ;'gsf] ljqmL d"No sfod ubf{ cfoft u/L ;DalGwt If]qdf k'¥ofpFbf nfUg] k|ToIf

nfutdf clwstd )=%) k|ltzteGbf a9L x'g] u/L dfs{ck ug{ kfOg] 5}g .

%s ;'g vl/b ug]{ ljleGg ;'g rfFbL Joj;foL ;+3x¿n] tf]Sg] v'b|f d"No jfl0fHo a}+sx¿af6

vl/b ePsf] d"Nodf )=%) k|ltzteGbf a9L x'g] 5}g .2

^= l;kmfl/; k|fKt kl/df0fsf] ;'g cGo a}+sdfkm{t cfoft u/]/ ;d]t ljqmL ljt/0f ug{ ;lsg]M–

tf]lsPsf] kl/df0fsf] ;Ldfleq /xL cfoft ug{ l;kmfl/; k|fKt a}+sx¿n] cfk;df ;xdlt

u/L cfkm"nfO{ k|fKt ;Ldfsf] ;'g csf]{ a}+s dfkm{t ;d]t cfoft u/L ljqmL ljt/0f ug{

;Sg]5g\ . o;/L Pp6f a}+s dfkm{t\ cfoft ePsf] ;'g cGo a}+sn] ljqmL ljt/0f ubf{ cfoft

ug]{ a}+sn] dfly bkmf % adf]lhd ug{ kfpg] dfs{cksf] ;LdfeGbf a9L x'g] u/L d"No sfod

ug{ kfOg] 5}g .

&= ;'g cfoftsf] ljlw M– ;'g cfoft k|tLtkq jf Stand By k|tLtkq jf a}+s Uof/]06L jf

8«fkm\6÷l6=l6= sf] dfWodaf6 ug{ ;lsg]5 . o;/L 8«fkm\6÷l6=l6=sf] dfWodaf6 cfoft ubf{

ljefuåf/f hf/L ePsf] l6=l6= dfkm{t cfoft ug{ tf]lsPsf] ;Ldf nfu' x'g] 5}g .

*= b}lgs lgwf{l/t ;Ldfsf] kl/df0fdf ga9\g] u/L cfoft ug{ ;lsg]M– d"Nosf] b[li6sf]0fn]

ldtJooL tyf nfebfoL x'g] ePdf b}lgs lgwf{l/t ;Ldfsf] kl/df0fdf ga9\g] u/L

cfjZostf cg'?ksf] ldtJooL kl/df0f (Economic Size) df Psd'i6¿kdf ;d]t ;'g cfoft

ug{ ;lsg]5 . t/ o:tf] Psd'i6¿kdf cfoft ubf{ cfufdL lbgsf] nflu clu|d¿kdf eg]

cfoft ug{ kfOg] 5}g .

(= l;kmfl/; ubf{ cBfjlws l;kmfl/; kl/df0f ;d]t v'nfpg' kg]{M– g]kfn a}+s;{ ;+3n] ;'g

cfoftsf] l;kmfl/; ubf{ k|To]s k6ssf] l;kmfl/; kqdf cl3Nnf] k6s l;kmfl/; ubf{sf]

kl/df0f tyf l;kmfl/; eP kl5sf] s'n kl/df0f / s'g ldlt;Ddsf] nflu l;kmfl/; ePsf]

1 ldlt @)&#.(.@! sf] lg0f{oaf6 yk tyf kl/dfh{g ePsf] .

2 bf]>f] ;+zf]wg kl5 sfod

68

xf], ;f] ;d]t v'nfO{ l;kmfl/; ug'{ kg]{5 / o:tf] k|To]s l;kmfl/;sf] hfgsf/L /fi6« a}+snfO{

lbg' kg]{5 .

kl/R5]b – #

a}+sn] Joj;foLnfO{ ljqmL ljt/0f ug]{ ;DaGwL Joj:yf

!)= cfoft ul/Psf] ;'g tf]lsPsf] If]qdf ljqmL x'g] Joj:yf ldnfpg' kg]{M– cfoftsf] nflu

tf]lsPsf] kl/df0f d'n'se/sf] nflu ePsf]n] ;DalGwt If]qdf xfn x'g] u/]sf] vkt

cg'kftnfO{ cfwf/ dfgL cfoftLt ;'g If]qut ?kdf b]xfo adf]lhd lgwf{l/t ;Ldf ;DalGwt

If]qd} ljqmL x'g] u/L cfoft tyf ljqmL ljt/0f ug{] Joj:yf g]kfn a}+s;{ ;+3n] ldnfpg'

kg]{5 .

If]q laqmL÷ljt/0f ug'{ kg]{ kl/df0f -k|ltztdf_

;fljs afUdtL c~rnsf sf7df8f}+,

nlntk'/, eQmk'/, wflbË, /;'jf, g'jfsf]6,

sfe|]knf~rf]s, l;Gw'kfNrf]s u/L * lhNnf

%) -krf;_

;fljs afUdtL c~rnsf * lhNnf

-sf7df8f}+, nlntk'/, eQmk'/, wflbË, /;'jf,

g'jfsf]6, sfe|]knf~rf]s, l;Gw'kfNrf]s_

afx]ssf cGo ;a} lhNnfx¿df

%) -krf;_

If]qut?kdf tf]lsPsf] ;Ldf ;DalGwt If]qdf & lbgleq;Dd klg dfu÷ljqmL gePdf cGo

If]qdf -x:tsnf Joj;foLnfO{ ;d]t_ klg ljqmL ug{ ;lsg]5 .

!)s cfoft ul/Psf] ;'g ljqmL ljt/0f ug{ If]qut ?kdf k|ltzt 5'6[fOPsf]n] laleGg ;'g rfFbL

Joj;foLx¿nfO{ b]xfo adf]lhd x'g] u/L k|ltztdf sf]6f lgwf{/0f ul/Psf] 5 . ;fljs

afudtL c~rnsf cf7 lhNnfdf sfod /x]sf] %) k|ltztnfO{ !)) k|ltzt dfgL b]xfo

adf]lhd x'g] u/L ljqmL ljt/0f ug]{ Joj:yf ldnfOPsf] 5 .3

s_ g]kfn ;'g rfFbL Joj;foL dxf;+3nfO{ %) k|ltzt .

v_ g]kfn ;'g rfFbL /Tg tyf cfe'if0f dxf;+3nfO{ $) k|ltzt .

u_ g]kfn x:tsnf dxf;+3nfO{ !) k|ltzt .

o:tf] If]qut ;Ldf tyf laleGg ;'g Joj;fo;Fu ;Da4 ;+3÷;+:yfnfO{ 5'6\ofpg] ;'gsf]

k|ltzt cfjZostf cg';f/ ljefun] ;do ;dodf ;+zf]wg÷kl/jt{g ug{ ;Sg]5 .

!)v ;fljs afudtL c~rnsf cf7 lhNnf afx]ssf cGo ;a} lhNnfx?df ljt/0f x'g]] %)

k|ltzt ;'g ljqmL ljt/0fsf ;DaGwdf b]xfo adf]lhd Joj:yf ul/Psf] 5 .4

!= a}+sx¿n] ;'grfFbL;Fu ;DalGwt ;+3x¿n] tf]s]sf] 7fpFdf -lhNnfsf tf]lsPsf] :yfgdf_

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

@= a}+sxn] ;'g ljt/0f ubf{ cl3Nnf] k6s ;'g k|fKt u/]sf Jofkf/Lx¿n] ;'g

ljqmL÷ljt/0f u/]sf] sf/f]jf/sf] aLn aLhs ;lxtsf] ljj/0f k]z ePkl5 dfq ;'gsf]

l;kmfl/; eP cg'?ksf] ;'g ljt/0f ug'{ kg]{5 .

#= csf]{ Joj:yf geP;Dd ;fljs afudtL c~rnsf cf7 lhNnf afx]ssf cGo ;a}

lhNnfx?sf] nflu 5'§fOPsf] %) k|ltztsf] xsdf ;f] kl/df0fnfO{ ztk|ltzt dfgL

g]kfn ;'grfFbL Joj;foL ;+3n] ^% k|ltzt, g]kfn /Tg tyf cfe'if0f ;+3n] @%

3 ldlt @)^(.(.@@ sf] Joj:yfaf6 sfod 4 ldlt @)&).@.!@ sf] rf}yf] ;+zf]wgaf6 sfod

69

k|ltzt, g]kfn ;'grfFbL snf Joj;foL ;+3n] &=% k|ltzt tyf g]kfn x:tsnf

dxf;+3n] @=% k|ltztsf] ;Ldfleq /xL l;kmfl/; ug'{ kg]{5 .

!!= d'Vo zx/x¿df ljqmL ljt/0f ug]{ Joj:yf ldnfpg' kg]{M– afudtL c~rn afx]ssf cGo

c~rnx¿df wgu9L, g]kfnu~h, l;4fy{gu/, kf]v/f, jL/u~h , hgsk'/, lj/f6gu/ /

eb|k'/ If]qaf6 clgjfo{?kdf / cfjZostf cg'?k cf}lrTosf cfwf/df cGo Jofkfl/s s]Gb|

tyf zx/x¿af6 ;d]t ljqmL ljt/0f x'g] Joj:yf ldnfpg' kg]{5 .

!@= Joj;foLnfO{ dfq ljqmL ug'{ kg]{M– a}+sn] cfoft u/]sf] ;'g g]kfn ;/sf/sf] ;DalGwt

lgsfodf btf{ eO{ :yfoL n]vf gDa/ k|fKt u/]sf tyf Joj;foLx¿sf] cflwsfl/s

;+3÷;+u7gdf cfa4 ;'gsf] sf/f]jf/ ug{ cg'dlt k|fKt u/]sf Joj;foLnfO{ dfq ljqmL ug'{

kg]{5 . o;/L Joj;foLx¿nfO{ ;'g ljqmL ubf{ lghx¿af6 cl3Nnf] cfly{s jif{ sf] s/

bfloTj km/kmf/s u/]sf] jf cfo ljj/0f a'emfPsf] k|df0f ;d]t clgjfo{?kdf lng' kg]{5 .

!#= ;'g ljqmLsf] clwstd kl/df0fM– ;'g ljqmL ubf{ k|lt Joj;foL a9Ldf ! -Ps_ lsnf]u|fdsf]

;Ldfleq /xL cfj]bgsf] qmdfg';f/ ljqmL ug'{ kg]{5 .

!$ qmlds?kdf ;'g pknJw u/fpg' kg]{M– g]kfn ;/sf/sf] ;DalGwt lgsfodf k|rlnt sfg"g

adf]lhd btf{ eO{ :yfoL n]vf gDa/ k|fKt u/]sf Joj;foLx¿n] cfk"m cfa4 /x]sf] ;+3af6

sf]6fsf] cfwf/df s|da4?kn] ;'g ljqmLsf] l;kmfl/; k|fKt ug'{kg]{ 5 . ;f]xL l;kmfl/;sf]

cfwf/df a}+sx¿n] ;'g ljqmL ug'{kg]{ 5 . ;'g ljqmLsf] nflu l;kmfl/; ubf{ ckgfOPsf]

k|s[of kf/bzL{ x'g'kg]{5 . cfk\mgf ;+3sf ;b:ox¿nfO{÷;'g Jofkf/LnfO{ l;kmfl/; ubf{

qmdfg';f/ l;kmfl/; ug'{kg]{5 . o;/L l;kmfl/; ubf{ s'g} klg k|sf/sf] l;kmfl/; b:t'/ jf

z'Ns lng kfOg] 5}g . Pp6f Joj;flon] Ps ;+3÷dxf;+3af6 dfq ;'gsf] l;kmfl/; lng

kfpg] 5 . ;+3 ;+:yfn] ckgfPsf] k|s[of tyf k4lt af/] ;do ;dodf g]kfn /fi6« a}+sn]

cg'udg ug{ / lgb]{zg lbg ;Sg]5 . t/, jfl0fHo a}+sn] cfoft u/]sf] ;'g !% lbg;Dd klg

;DalGwt ;+3af6 ;b:ox¿nfO{ l;kmfl/; x'g g;sL ljqmL x'g g;s]sf] cj:yfdf jfl0fHo

a}+sx¿n] o; sfo{ljlw cGt/ut of]Uotf k'u]sf ;'g Joj;foLnfO{ lgj]bgsf] qmdfg';f/ ;f]e}m

ljqmL ug{ ;Sg]5g .5

!%= ;+o'Qm?kdf ljqmL ug{ ;lsg]M– tf]lsPsf] ;Ldfleq /xL a}+sn] pknJw u/fpg ;Sg]

clwstd kl/df0fsf] ;'g PseGbf a9L Joj;foLsf] gfddf ;d]t ;+o'Qm?kdf ljqmL ug{

;lsg]5 .

!^= a}+saf6 v/Lb ul/Psf] ;'g k'gM ljqmL ug{ ;lsg]M– Joj;foLn] v/Lb u/]sf] ;'g Joj;foLsf]

;+3÷;+u7g cflbdf cfa4 eO{ Kofgdf btf{ ePsf u/uxgf, cfe"if0f, snfTds j:t'

nufotsf ;fdfg agfpg] ;'g rfFbL jf x:tsnf Joj;foLnfO{ ;d]t ljqmL ug{ ;lsg]5 .

!&= lgj]bgdf k|lta4tf v'nfpg' kg]{M– Joj;foLn] ;'g vl/bsf] nflu k]z ug]{ cfj]bgdf ;f]xL

lbg ;'g vl/bsf] nflu csf]{ a}+sdf cfj]bg gu/]sf] / o; Joj:yfsf] k|lts'n x'g] u/L ;'g

vl/b ljqmL sf/f]jf/ gu/]sf] / gug]{ Joxf]/f ;lxtsf] k|lta4tf u/]sf] x'g'kg]{ 5 .

!&=s a}+saf6 v/Lb u/L ;s]kl5 Joj;foLx¿n] tf]lsPsf] )=%) k|ltztsf] dfs{ck afx]s

hlt;'s} tx dfkm{t ljqmL ljt/0f ePklg d"No a9\g] u/L s'g} klg yk b:t'/, ;]jf, z'Ns

tyf sld;g lng kfOg] 5}g .6

kl/R5]b – $

lgof{tstf{ Joj;foLnfO{ ljqmL ljt/0f ;DaGwL ljz]if Joj:yf

5 ;ftf} ;+zf]wgaf6 sfod 6 ldlt @)^(.@.@ sf] ;+zf]wgaf6 yk

70

!*= lgof{tstf{ Joj;foLnfO{ ljz]if Joj:yfM– lgof{t Joj;foLnfO{ ;'gsf] jf ;'g ldl>t

u/uxgf÷snfTds j:t' cflb agfO{ lgof{t ug]{ k|of]hgsf] nflu cfjZos kg]{ ;'gsf] nflu

o; sfo{ljlwsf] kl/R5]b @ sf] bkmf $ / kl/R5]b # sf] bkmf !# adf]lhdsf] ;Ldf nfu' x'g]

5}g . ;'gsf] jf ;'g ldl>t u/uxgf÷snfTds j:t' cflb ljb]z lgof{t u/]sf] lgsf;L

k|df0fkq jf lgsf;L cfb]z k'li6 x'g] clu|d e'QmfgL jf k|tLtkq jf v/Lb cfb]z cflb k]z

u/]sf] cfwf/df g]kfn x:tsnf dxf;+3sf] l;kmfl/;df x:tsnf Joj;foLsf] dfu adf]lhd

a}+sx¿n] cfjZos ;'gsf] Joj:yf ug'{ kg]{5 . ;DalGwt a}+sn] ;f]sf] Joxf]/f vf]nL k|df0f

;lxt g]kfn a}+s;{ ;+3df lgj]bg u/]df g]kfn a}+s;{ ;+3n] b}lgs sf]6fdf k|efj gkg]{ u/L

;DalGwt a}+ssf] sf]6fdf yk x'g] u/L jf s'n kl/df0fdf yk x'g] u/L yk kl/df0fsf]

l;kmfl/; pknJw u/fpg' kg]{5 .

!(= lgof{t ePsf] k'li6 x'g] sfuhftsf] cfwf/df ljqmL ljt/0f ug'{ kg]{M– lgof{tstf{n] ;'g jf

;'g ;d]t k|of]u u/L pTkfbg u/]sf] j:t'df k|o'Qm ;'gsf] kl/df0f / lgof{t u/]sf] k'li6 x'g]

sfuhftsf] cfwf/df pTkflbt j:t'df k|o'Qm ;'gsf] kl/df0fdf hlt{ afkt !) -bz_

k|ltzt;Ddn] x'g] kl/df0f yk u/L ;'g ljqmL ug{ ;lsg]5 . o;/L ;'g ljqmL ubf{ vl08t

kl/df0f cfPdf Go"gtd ! -Ps_ lsnf]u|fdsf] kl/df0fdf ljqmL ug{ ;lsg]5 .

@)= clu|d ljqmL ug{ ;lsg]M– j:t' lgof{t u/L g;s]sf] t/ lgof{t ePsf] k'li6 x'g] sfuhft

kl5 k]z ug'{ kg]{ zt{df lgof{tsf] nflu clu|d e'QmfgL jf k|tLtkq jf v/Lb cfb]z

nufotsf lgof{t cfb]z k'li6 x'g] sfuhftsf cfwf/df ;d]t clu|d ?kdf ;'g ljqmL ug{

;lsg] 5 . o;/L clu|d ?kdf ;'g vl/b ug]{ Joj;foLn] lgwf{l/t cjlwleq lgof{t u/]sf]

k|df0f k]z gu/];Dd yk ;'g v/Lb k|s[ofdf ;fd]n x'g kfOg] 5}g .

@!= ;'g ljqmL ubf{ canDag ug'{ kg]{ ljlwM– ;'g ljqmL ubf{ o; sfo{ljlwsf] kl/R5]b–# sf] bkmf

!% / bkmf !& df pNn]v ePsf] Joj:yfsf] cjnDag ug'{ kg]{5 .

@@= yk kl/df0fdf ;'g cfoft ug{ ;lsg]M– lgof{t ;DaGwL k|rlnt dfWodaf6 7"nf] kl/df0f

-High Volume_sf] lgof{t cfb]z k|fKt ePsf] sf/0fn] lgof{t Joj;foLnfO{ a9L ;'g

cfjZos k/]df To:tf] Joxf]/f k'li6 x'g] sfuhft ;lxt ;DalGwt a}+s dfk{mt cg'/f]w k|fKt

ePdf lgof{t k|of]hgsf] nflu ;f]xL a}+s dfk{mt yk kl/df0fdf ;'g cfoft ug{ :jLs[lt

k|bfg ug{ ;lsg]5 .

kl/R5]b – %

clen]v tyf k|ltj]bg ;DaGwL Joj:yf

@#= clen]v /fVg' kg]{M– a}+sx¿n] cfoft u/]sf] ;'gsf] nfut d"No / ljqmL d"No :ki6 b]lvg]

u/L clen]v tof/ u/L /fVg' kg]{5 .

@$= ljj/0f a'emfpg' kg]{M– a}+saf6 ;'g v/Lb ug]{ Joj;foLn] cfkm"n] ljqmL÷pkof]u u/]sf] ;'gsf]

;+nUg cg';"rL @ adf]lhdsf] 9fFrfdf k|To]s dlxgf ;dfKt ePsf] & -;ft_ lbgleq

;DalGwt a}+sdf dfl;s ljj/0f a'emfpg' kg]{5 . a}+sx¿n] cfkm"n] cfoft u/L ljqmL u/]sf]

ljj/0f cg";"rL ! adf]lhdsf] 9fFrfdf Joj;foLn] k]z u/]sf] ljj/0f ;d]t ;+nUg /fvL

k|To]s dlxgf ljt]sf] !% -kGw|_ lbgleq ljefudf dfl;s ljj/0f a'emfpg' kg]{5 . o;/L

tf]lsPsf] ljj/0f a'emfpg' kg]{ st{Jo ePsf a}+s tyf Joj;foLn] pQm ljj/0f ga'emfP;Dd

yk cfoft tyf v/Lb ug]{ qmddf ;dfj]z x'g kfpg] 5}gg\ .

kl/R5]b – ^

ljljw Joj:yf

71

@%= cg'udg ;+oGqsf] u7g ul/g]M– ;'g cfoft, ljqmLljt/0f Pjd\ cfk"lt{sf ;DaGwdf cg'udg

Pjd\ ;dLIff ug{ / cfjZostf cg';f/ o; sfo{ljlwdf ;+zf]wg ug{ l;kmf/L; ug]{

k|of]hgsf lgldQ pBf]u, jfl0fHo tyf cfk"lt{ dGqfnosf l4kIfLo tyf If]qLo Jofkf/

dxfzfvf x]g]{ ;x;lrjsf] ;+of]hsTjdf /fi6« a}+ssf jl/i7 clws[t -lgb]{zs_ ;b:o /x]sf]

Ps cg'udg ;+oGq u7g ul/g]5 .

@^= ;+zf]wg tyf kl/dfh{g ug{ ;lsg]M– ;'g cfoft tyf ljqmL ljt/0f ;DaGwL sf/f]jf/ af/]

k|To]s dlxgf cg'udg ;+oGqdf 5nkmn tyf ;dLIff u/L cfjZostf cg'?k cfoft ljqmL

ljt/0f tyf sfof{Gjog k|s[ofx¿df ;+zf]wg tyf kl/dfh{g ug{ ;lsg]5 .

@&= afwf c8\sfp k'msfpg] M o; sfo{ljlwsf] sfof{Gjogdf s'g} afwf c8sfp cfOk/]df To:tf]

afwf c8\sfp cg'udg ;+oGqsf] l;kmfl/;df /fi6« a}+sn] k'msfpg ;Sg]5 .

72

cg';"rL #=!

-;'g cfoft tyf ljqmL ljt/0f sfo{ljlw, @)^* sf] k|of]hgsf] nflu_

==============a}+s lnld6]8

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

;'g cfoft tyf ljqmLsf] dfl;s ljj/0f

cjlw M– ======================b]lv ===================;Dd

ldlt M–

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

cfoft u/]sf] ljqmL u/]sf]

ldlt kl/df0f /sd

ldlt Joj;foLsf]

gfd

cfj4 Joj;foL

;+3 Kofg g+= kl/df0f

/sd

?=

lj=d'=df g]=?=df

ljj/0f k|dfl0ft ug]{sf],

-b:tvt_

gfdM–

kbM–

a}+ssf] 5fkM–

73

cg';"rL #=@

-;'g cfoft tyf ljqmL ljt/0f sfo{ljlw, @)^* sf] k|of]hgsf] nflu_

-;DalGwt ;'g rfFbL Joj;foLsf] gfd_

=================-7]ufgf_

ldlt M–=========================

>L =============a}+s lnld6]8

=======================.

dxfzo,

;'g cfoft tyf ljqmL ljt/0f sfo{ljlw, @)^* df ePsf] Joj:yf cg';f/ xfdLn] To;

a}+saf6 v/Lb u/L ljqmL u/]sf] ;'gsf] ljj/0f o;};fy k]z u/]sf 5f}F+ .

v/Lb u/]sf] ljqmL u/]sf]

ldlt kl/df0f ldlt JolQm÷;+:yfsf] gfd, 7]ufgf, Kofg

gDa/ kl/df0f

/sd ?=

hDdf hDdf

ljj/0f k|dfl0ft ug]{sf],

-b:tvt_

gfdM–

Joj;foLsf] Kofg g+M

5fkM

74

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M)$÷@)&^

;'g cfk"lt{, rFfbL cfoft tyf ljqmL ljt/0f ;DaGwL Joj:yf

;'gaf6 ag]sf u/–uxgf tyf snfTds j:t'x¿sf] lgof{tstf{ / :yfgLo laqm]tfx¿nfO{ sRrf

kbfy{sf] ?kdf ;'g cfk"lt{ ug]{ Joj:yf lgDgfg';f/ ul/Psf]n] ;f]xL adf]lhd ug{'÷u/fpg' x'g ljb]zL ljlgdo

-lgoldt ug]{_ P]g, @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L o; a}+ssf] 6S;f/ dxfzfvf nufot

Ohfhtkqk|fKt æsÆ ju{sf a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

-!_ ;'gaf6 lgld{t j:t'x¿sf] lgof{tstf{ / :yfgLo laqm]tfx¿nfO{ ;'g cfk"lt{ ug]{ Joj:yf

-s_ ;'gaf6 ag]sf u/uxgf tyf snfTds j:t'x¿sf] lgof{t ;DaGwdf M ;'gaf6 jg]sf u/uxgf

tyf snfTds j:t'x¿ Irrevocable Letter of Credit jf clu|d e'QmfgL k|df0fkqsf] cfwf/df dfq

lgof{t ug'{kg]{5 .

-v_ ;'gsf] cfk"lt{ ug]{ Joj:yf M

-!_ lgof{tstf{ tyf :yfgLo laqm]tfx¿nfO{ ;'g pknAw u/fpgsf] nflu g]kfn /fi6« a}+s,

6S;f/ dxfzfvfn] a}+sx¿df :j0f{sf]if (Gold Chest) sf] Joj:yf ug]{5 . pQm :j0f{sf]ifdf

/x]sf] ;'gsf] df}Hbftaf6 ;DalGwt a}+sx¿n] lgof{tstf{ tyf o; a}+saf6 ljb]zL d'b|f

:jLsf/ ug]{ Ohfht k|fKt :yfgLo ljqm]tfx¿nfO{ ;'g ljqmL ug]{5 .

-@_ g]kfn /fi6« a}+s, 6S;f/ dxfzfvfn] ;'gsf] ljqmL d"No cd]l/sL 8n/df lgwf{/0f ug]{5 .

cGt/f{li6«o jhf/df ;'gsf] d"Nodf ! k|ltzteGbf a9L 36a9 ePdf ;f] cg';f/ ;dfof]hg

u/L sfod ul/Psf] ;'gsf] ;+zf]lwt ljqmL d"Nosf] hfgsf/L 6S;f/ dxfzfvfn] ;DalGwt

a}+sx¿nfO{ lbg]5 . ;DalGwt a}+sx¿n] ;'g ljqmL ubf{ 6S;f/ dxfzfvfn] lgwf{/0f u/]sf]

d"Nosf] cfwf/df lgof{tstf{ tyf :yfgLo ljqm]tfnfO{ ;'g ljqmL ug'{kg]{5 .

-#_ ;DalGwt a}+sx¿n] o;/L :j0f{sf]ifaf6 ljqmL u/]sf] ;'gsf] e'QmfgL eg] cd]l/sL 8n/dfg}

g]kfn /fi6« a}+s, a}+lsË sfof{nodfkm{t ;f]xL lbg 6S;f/ dxfzfvfnfO{ ug'{kg]{5 .

-$_ ;DalGwt a}+sx¿n] lgof{tstf{ tyf :yfgLo ljqm]tfx¿nfO{ :j0f{sf]ifaf6 ;'g ljqmL u/]

afkt ;]jf z'Ns :j?k ljqmL u/]sf] ;'gsf] d"Nosf] )=@% -z"Go bzdna b'O{ kfFr_ k|ltzt

/sd g]kfn /fi6« a}+sn] ;DalGwt a}+sx¿nfO{ pknAw u/fpg]5 .

-u_ a}+sx¿n] lgof{tstf{ tyf :yfgLo ljqm]tfx¿nfO{ ;'g cfk"lt{ ug]{ ljlw M

-!_ ;DalGwt a}+sx¿n] lgof{tstf{x¿nfO{ ;'gsf u/–uxgf lgof{t ug{sf nflu k|fKt ePsf]

Irrevocable Letter of Credit cyjf clu|d e'QmfgL k|df0fkqsf] cfwf/df ;'g pknAw

u/fpg'kg]{5 . o;/L ;'g ljqmL ubf{ Irrevocable Letter of Credit jf clu|d e'QmfgL

k|df0fkqdf pNn]v ePsf] FOB d"Nosf] () k|ltzt /sdn] vfDg];Ddsf] kl/df0f dfqsf]

;'g ljqmL ug'{kg]{5 .

-@_ o; a}+saf6 Ohfhtkqk|fKt u/]sf :yfgLo ljqm]tfn] ko{6sx¿nfO{ ;'gaf6 ag]sf u/–

uxgf tyf snfTds j:t'x¿ ljqmL u/L cfh{g u/]sf] kl/jTo{ ljb]zL d'b|f ;DalGwt a}+sdf

bflvnf u/]sf] /sdsf] () k|ltzt;Dd dfqsf] ;'g ljqmL ug'{kg]{5 .

75

-#_ ;DalGwt a}+sx¿n] lgof{tstf{ tyf :yfgLo ljqm]tfx¿nfO{ Go"gtd !)) u|fd / a9Ldf !)

u|fdsf] u'0fg v08n] x'g cfpg] kl/df0fdf ;'g ljqmL ug'{kg]{5 .

-$_ ;DalGwt a}+sx¿af6 ;'g v/Lb ug{sf] nflu lgof{tstf{n] k|fKt u/]sf] Irrevocable Letter

of Credit jf clu|d e'QmfgL k|df0fkq;fy ;+nUg cg';"rL $=@ adf]lhd b/vf:t kmf/fddf

;Dk"0f{ ljj/0f pNn]v u/L ;f]sf] b'O{k|lt ;DalGwt a}+sdf k]z ug'{kg]{5 . o;k|sf/ :yfgLo

ljqm]tfn] ;'g vl/b ug{sf nflu ;'gsf u/uxgf ko{6sx¿nfO{ ljqmL ubf{ sf6]sf] ;+nUg

cg';"rL $=! adf]lhdsf] /l;bsf] 5}7f}+ k|lt / cfh{g u/]sf] kl/jTo{ ljb]zL d'b|f a}+sdf

bflvnf u/]sf] k|df0f ;lxt cg';"rL $=@ adf]lhd b/vf:t kmf/fddf ;Dk"0f{ ljj/0f pNn]v

u/L ;f]sf] b'O{ k|lt ;DalGwt a}+sdf k]z ug'{kg]{5 . pko{'Qm cfwf/df ;'g ljqmL u/L

;s]kl5 ;DalGwt a}+sn] b/vf:t kmf/fdsf] klxnf]k|lt k|dfl0ft u/L g]kfn /fi6« a}+s, 6S;f/

dxfzfvfdf k7fpg'kg]{ / bf]>f]k|lt /]s8{sf] nflu cfkm';Fu /fVg'kg]{5 .

-%_ clu|d e'QmfgL k|df0fkq jf lgof{t k|tLt–kqsf] d"n k|ltdf ;DalGwt a}+sn] ;'g ljqmL

u/]sf] kl/df0f / d"No pNn]v u/L clgjfo{ ?kn] b/kL7 ug'{sf] ;fy} 5fk nufpg' kg]{5 .

:yfgLo ljqm]tfx¿n] k]z u/]sf] a}+s bflvnfsf] k|df0fkq tyf ko{6sx¿nfO{ ljqmL u/]sf]

/l;bsf] cfwf/df ;'g ljqmL u/]kl5 ;DalGwt a}+sn] pQm sfuhftx¿df ;'gsf] kl/df0f /

d"No pNn]v u/L b/kL7 ug'{sf] ;fy} 5fk nufpg' kg]{5 .

-^_ pko{'Qm k|lqmof cg';f/ lgof{tstf{x¿nfO{ ;'g ljqmL u/]kl5 clu|d e'QmfgLsf] xsdf ;'gsf

u/–uxgf lgof{t ePsf] k|df0fkq / k|tLtkqsf] xsdf kl/jTo{ ljb]zL d'b|f hDdf ePsf]

k|df0fkq ;DalGwt a}+s ;dIf k]z u/fO{ kf;a'sdf b/kL7 ug'{kg]{5 .

-&_ g]kfn x:tsnf pBf]u ;+3n] ;'gsf u/–uxgf tyf snfTds j:t'x¿sf lgof{tstf{ tyf

:yfgLo ljqm]tfx¿nfO{ cg';"rL $=# df tf]lsPsf] 9fFrfsf] kf;j's pknAw u/fpg]5 . ;f]

kf;j's ;DalGwt lgof{tstf{ jf :yfgLo ljqm]tfn] ;'g vl/b ubf{ clgjfo{ ¿kn]

;DalGwt a}+s ;dIf k]z ug'{kg]{5 . ;DalGwt a}+sn] kf;a'sdf ;'g ljqmL u/]sf] ljj/0f,

ljqmL u/]sf] cfwf/, kl/jTo{ ljb]zL d'b|fdf e'QmfgL k|fKt u/]sf] ljj/0f tyf lgof{t u/]sf]

ldlt nufotsf ljj/0f k|dfl0ft sfuhftsf] cfwf/df pNn]v u/L ;lx5fk ug'{kg]{5 .

-*_ plNnlvt k|lqmof cg';f/ lgof{tstf{ tyf :yfgLo ljqm]tfx¿nfO{ ;'g ljqmL u/]sf],

lgof{tstf{n] ;'gaf6 jg]sf u/–uxgf lgof{t u/]sf] tyf e'QmfgL k|fKt u/]sf] ljj/0fx¿sf]

clen]v cg';"rL $=$-s_, $=$-v_ / $=$-u_ sf] 9fFrfdf ;DalGwt a}+sx¿n] clgjfo{

?kn] /fVg'kg]{5 .

-3_ ;'gsf u/uxgf tyf snfTds j:t'x¿ kl/jTo{ ljb]zL d'b|fdf ko{6sx¿nfO{ ljqmL ug]{

Joj:yf M

-!_ o; a}+saf6 Ohfht k|fKt :yfgLo ljqm]tfx¿n] ko{6sx¿nfO{ ;'gsf u/uxgf ljqmL ubf{

;+nUg cg';"rL $=! adf]lhd ^ k|lt /l;b sf6L ljqmL ug'{kg]{5 . pQm /l;bsf] klxnf],

bf]>f] / t];|f] k|lt ko{6snfO{ lbg'kg]{5, rf}yf]k|lt /]s8{sf] nflu cfk"m;Fu /fVg'kg]{5, kfFrf}

k|lt ljb]zL d'b|f bflvnf u/]sf] a]nf a}+sdf a'emfpg' kg]{5 / 5}7f}+ k|lt ;'g v/Lb ubf{

kl/jTo{ ljb]zL d'b|f bflvnf u/]sf] k|df0f ;lxt ;DalGwt a}+sdf k]z ug'{kg]{5 .

-@_ ko{6sx¿n] pko{'Qm /l;bsf] klxnf] / bf]>f] k|lt vl/b u/]sf ;'gsf j:t'x¿ g]kfn jflx/

n}hfFbf ;DalGwt eG;f/ sfof{nodf k]z ug'{kg]{5 . eG;f/ sfof{non] pQm /l;bdf

ko{6sn] ;'gsf u/uxgf tyf snfTds j:t'x¿ g]kfn jflx/ nu]sf] k|dfl0ft u/L lbg]5 .

o;/L k|dfl0ft ul/Psf] klxnf]k|lt /l;b tyf lgof{t k|1fkgkq eG;f/ sfof{non] o;

ljefudf k7fpg' kg]{5 .

76

-@_ rFfbL cfoft tyf ljqmL ljt/0f ;DaGwL Joj:yf M

g]kfn ;/sf/, jfl0fHo tyf cfk"lt{ dGqfnoaf6 rfFbLsf] cfoftdf s'g} lsl;dsf] k|ltaGw÷lgoGq0f

gePsf] ;Gbe{df rfFbLsf] u/uxgf, x:tsnf nufotsf cGo ;/;fdfg agfO{ ljqmL ug{ jf To:tf

;fdfg lgof{t ug]{ k|of]hgsf nflu Joj;flonfO{ cfjZos kg]{ rfFbL cfk"lt{sf] ;'Joj:yf ldnfpg

tyf rfFbLsf] cgf}krfl/s lgof{tnfO{ lg?T;flxt ug{ cfjZos b]lvPsf]n] rfFbLsf] cfoft ;DaGwdf

b]xfo adf]lhdsf] Joj:yf ul/Psf] 5 M

-s_ Joj;foL :jodn] cfoft ug{ ;lsg] M ;'grfFbLsf] sf/f]jf/ tyf cfoft lgof{t ug{ ljlwjt

btf{ ePsf÷Ohfht lnPsf g]kfnL ;'grfFbL Joj;foLn] v'nf ahf/ cfoft Ohfht (OGL) Joj:yf cg'?k a}+s Uof/]06L, k|tLtkq, Stand by k|tLtkq / 8«fkm\6÷l6=l6=sf] dfWodaf6

k|rlnt Joj:yf adf]lhd rfFbL cfoft ug{ ;Sg]5g . o;/L cfoft ul/Psf] rfFbL Joj;flo

:jod\n] u/u/uxgf, x:tsnf nufotsf ;fdfg agfO{ ljqmL ug{{ jf To:tf] agfpg]

Joj;foLnfO{ laqmL ug{ / To:tf ;fdfg lgof{t ug{] k|of]hgsf] nflu dfq k|of]u ug{'kg]{5 .

-v_ a}+sx¿n] cfoft ug]{ rfFbL / ;f]sf] d"No lgwf{/0f M afl0fHo a}+sx¿n] ;fgf ;'grfFbL

Joj;flonfO{ dfq ljqmL ug]{ k|of]hgsf nflu v'nf ahf/ cfoft Ohfht (OGL) Joj:yf cg'?k a}+s Uof/]06L, k|tLtkq, Stand by k|tLtkq / 8«fkm\6÷l6=l6=sf] dfWodaf6 k|rlnt

Joj:yf adf]lhd rfFbL cfoft ug{ ;Sg]5g . o;/L cfoft ul/Psf] rfFbLsf] d"No lgwf{/0f

ubf{, cGt/f{li6«o d"No / cfoft ubf{ nfUg] nfut ;d]tnfO{ b[li6ut u/L k|ltikwL{ d"No

lgwf{/0f ug{'kg]{5 .

-u_ afl0fHo a}+saf6 rfFbL vl/b ug{ ;lsg] M ;'grfFbLsf] sf/f]jf/df ;+nUg ;–;fgf Joj;foLn]

u/u/uxgf, x:tsnf nufotsf ;fdfg agfpg cfkm'nfO{ cfjZos kg]{ rfFbL a}+sx¿af6

dfl;s ! lsnf]u|fd ;Dd vl/b ug{ ;Sg]5g . jfl0fHo a}+sx¿n] o;/L Joj;flonfO{ rfFbL

ljqmL ubf{ ;DalGwt ;'grfFbL Joj;foLsf] Joj;fo btf{ k|df0fkq, s/ btf{ k|df0fkq, s/

r'Qmf k|df0fkq lnO{ a}+s vftf dfkm{t sf/f]jf/ ug{'kg]{5 . ;fy}, a}+sn] o;/L rfFbL ljqmL ubf{

Joj;foLaf6 vl/b ul/Psf] rfFbL u/uxgf tyf x:tsnf nufotsf cGo ;/;fdfg agfO{

ljqmL ug{ jf To:tf ;fdfg agfO{ lgof{t ug{ afx]s cGo k|of]hgsf] nflu k|of]u jf ljqmL

ug]{ 5}g eGg] :j3f]if0ff ;d]t lng'kg]{5 .

77

cg';"rL $=!

-O=k|f= kl/kq ;+Vof $ sf] bkmf ! sf] u -$_ k|of]hgsf nflu_

Name of the Concern:

Nepal Government Regd. No.: Address:

Invoice No./Cash Memo No.: Date:

We hereby certify that we have today sold following Gold Jewellery to:

Local Sales Nationality:

M/S Tel. No.:

Passport No.:

Local Address:

Home Address: Mode of payment: (Give full details):

Exports

M/S:

Address:

No. Name of

the Goods Total Weight

in Grams

Net Weight of gold contained in Grams

Quantity Price per

Item Total Price

Buyer's Signature Seller's Signature

(In case of local sales)

Note to the Buyer:

Please submit first and second copy of this receipt to Nepalese Customs at the time of your

departure.

78

cg';"rL $=@

-O=k|f= kl/kq ;+Vof $ sf] bkmf ! sf] u -$_ k|of]hgsf nflu_

:yfgLo ljqmL÷lgof{tsf] nflu ;'g cfk"lt{ ljj/0f

>L ==== ===== ===== ====

==== ==== ===== ==== .

dxfzo,

;'gsf u/uxgf lgof{t ug{sf] nflu k|fKt x'g cfPsf] clu|d e'QmfgL÷:yfgLo ljqmLaf6 hDdf ePsf] kl/jTo{

ljb]zL d'b|f÷k|fKt x'g cfPsf] k|tLtkqsf] cfwf/df ;'g pknAw u/fO{ lbgx'gsf] nflu cg'/f]w ub{5' . pknAw ;'gaf6

ag]sf u/uxgf tyf snfTds j:t'x¿ lgof{t÷ko{6snfO{ ljqmL ug]{ afx]s cGo sfddf k|of]u ug]{ 5}g .

!= ;'gsf u/uxgf lgof{tsf nflu k|fKt ePsf] k|tLtkq jf clu|d e'QmfgL ljj/0f M

-s_ k|tLtkq � clu|d e'QmfgLsf] gDj/ ===========

-v_ s'n d"No -ljb]zL d'b|f_ ============

-!_ Pkm=cf]=jL=d"No ================

-@_ ef8f tyf jLdf ===============

@= :yfgLo ljqm]tfn] ko{6sx¿nfO{ ;'gsf u/uxgf ljqmL u/]sf] ljj/0f M

-s_ a}+sn] k|dfl0ft u/] cg';f/ hDdf ePsf] s'n kl/jTo{ ljb]zL d'b|f /sd ===========================

-v_ hDdf ePsf] ldlt ==========================

#= dfu ul/Psf] ;'gsf] kl/df0f -tf}n_ ===============

$= dfu ug]{ kmd{sf] gfd / 7]ufgf =====================

%= kmd{sf] btf{ g+= ==================

^= g]kfn /fi6« a}+ssf] Ohfhtkq ;+Vof / ldlt -:yfgLo ljqm]tfsf] xsdf_

lgj]bssf] b:tvt M

kmd{sf] 5fk M

ldlt M

a}+sn] k|dfl0ft ug'{kg]{ M

dfly pNn]v eP adf]lhdsf] ljj/0fsf] cfwf/df lghnfO{ k|fKt x'g cfPsf] clu|d e'QmfgLsf]÷:yfgLo

ljqmLaf6 hDdf ePsf] /sdsf]÷k|tLtkqdf pNn]v ePsf] -() k|ltztn] x'g] /sddf ga9fO{_ cd]l/sL

8n/====================== d"No ========================= a/fa/sf] x'g] ======================= u|fd ;'g ljqmL u/]sf] k|dfl0ft ul/G5

.

clVtof/ k|fKt clws[tsf] b:tvt M

ldlt M

gfd M

kb M

a}+ssf] 5fk M

79

cg';"rL $=#

-O=k|f= kl/kq ;+Vof $ sf] bkmf ! sf] u-&_ sf] k|of]hgsf nflu_

kf; a'ssf] se/ k]hsf] gd"gf

;'g cfk"lt{ ;DaGwL kf;a's

lgof{tstf{ jf :yfgLo ljqm]tfsf] gfd M

7]ufgf M

kmd{ btf{ g+= M

kf; a's g+= M

ljj/0f ldlt M

ljt/0f ;+Vof M

g]kfn /fi6« a}+ssf] Ohfhtkqsf] ;+Vof / ldlt M

-:yfgLo ljqm]tfsf] xsdf_

kf;a'ssf] leqL k]h

clu|d e'QmfgL

k|df0fkq÷k|tLtkq

sf]

gDj/

:yfgLo ljqmLaf6 k|fKt

clu|d

e'QmfgL÷k|tLtkqsf]

/sd -lj=d'=_

;'g ljqmLsf] ljj/0f ljqmL ug]{ a}+ssf]

clws[tsf]

b:tvt / 5fk

lgof{t

u/]sf]

ldlt

k|tLtkqaf6

k|fKt e'QmfgL

-lj=d'=_

ldlt kl/df0f d"No ldlt /sd

lgof{t u/]sf] ldlt eG;f/ sfof{non] k|dfl0ft u/]sf] cfwf/df a}+sn] b/kL7 ug'{kg]{ .

80

cg';"rL $=$-s_

-O=k|f= kl/kq ;+Vof $ sf] bkmf ! sf] u-*_ k|of]hgsf nflu_

lgof{t k|tLtkqsf] cfwf/df ;'g ljqmL u/]sf] cj:yfdf /fVg'kg]{ clen]vsf] 9fFrf

ldlt

lgof{tstf{sf]

gfd / 7]ufgf

lgof{t

k|tLtkq

gDj/

lgof{t k|tLtkqdf pNn]v

ePsf] /sd kl/jTo{ lj=d'=

;'g ljqmL u/]sf]

ljj/0f

lgof{t ePsf]

ljj/0f

e'QmfgL k|fKt

kl/jTo{ lj=d'=

F.O.B. d"No ef8f hDdf

d"No kl/df0f d"No ldlt d"No ldlt /sd

81

cg';"rL $=$-v_

-O=k|f= kl/kq ;+Vof $ sf] bkmf ! sf] u-*_ k|of]hgsf nflu_

clu|d e'QmfgL k|df0fkqsf] cfwf/df ;'g ljqmL u/]sf] cj:yfdf /fVg'kg]{ clen]vsf] 9fFrf

ldlt lgof{tstf{sf]

gfd

clu|d e'QmfgL

k|df0fkqsf] gDa/ / ldlt

clu|d e'QmfgL k|df0fkq cg';f/

kl/jTo{ lj=d'= ;'g ljqmL ljj/0f

lgof{t ePsf]

ljj/0f

F.O.B. d"No ef8f hDdf d"No kl/df0f d"No

lj=d'=df ldlt d"No

lgof{t u/]sf] ldlt eG;f/ sfof{non] k|dfl0ft u/] cg';f/ .

82

cg';"rL $=$-u_

-O=k|f= kl/kq ;+Vof $ sf] bkmf ! sf] u -*_ k|of]hgsf nflu_

:yfgLo ljqm]tfx¿nfO{ ;'g ljqmL u/]sf] cj:yfdf /fVg'kg]{ clen]vsf] 9fFrf

ldlt

:yfgLo ljqm]tfsf] gfd,

7]ufgf tyf Ohfhtkq

;+Vof

cg';"rL ! adf]lhd /l;b cg';f/ ljqmL

ePsf] ljj/0f

a}+sdf hDdf u/]sf]

lj=d'= ;'g ljqmL

/l;b ;+Vof kl/df0f d"No -lj=d'=_ ldlt /sd kl/df0f d"No

-lj=d'=_

83

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M)%÷@)&^

lgof{t ;DaGwL Joj:yf .

g]kfnaf6 dfn;fdfg lgof{t ug]{ ;DaGwdf b]xfo adf]lhd Joj:yf ul/Psf]n] ;f]xL adf]lhd ug'{

u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6«

a}+s a}+lsË sfof{no nufot lhNnfl:yt sfof{nox¿ / o; a}+saf6 Ohfhtkqk|fKt æsÆ ju{sf tyf /fli6«o

:t/sf ævÆ ju{sf ljsf; a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

-!_ lgof{tstf{x¿sf] nflu clu|d e'QmfgL k|df0fkq hf/L ug]{ ;DaGwL Joj:yf M

k|rlnt Joj:yf adf]lhd dfn;fdfg lgof{t ug]{ k|of]hgsf] nflu g]kfnL lgof{tstf{x¿sf] gfddf

clu|d e'QmfgLsf] k|df0f kq (Advance Payment Certificate) hf/L ug]{ ;DaGwdf b]xfo adf]lhd

ug{'kg]{5 .

-s_ a}+s tyf ljQLo ;+:yfx¿ dfk{mt k|of]hg v'Ng] u/L b]xfo adf]lhd k|fKt ePsf kl/jTo{ ljb]zL

d'b|fsf] cfwf/df dfq clu|d e'QmfgL k|df0fkq hf/L ug'{ kg]{5 M

-!_ g]kfnL lgof{tstf{n] lglZrt dfn;fdfg lgof{t ug]{ k|of]hgsf] nflu ljb]zl:yt

cfoftstf{;Fu ePsf] ;Demf}tf÷;xdtL÷vl/b cfb]z nufot vl/b÷ljqmL ug]{ Joxf]/f

k'li6 x'g] cGo sfuhftsf] cfwf/df k|fKt x'g] kl/jTo{ ljb]zL d'b|f .

-@_ o; ljefuaf6 hf/L O=k|f=kl/kq !% sf] bkmf -@_ adf]lhd ljb]zL d'b|fsf 8]lj6 qm]l86

sf8{ nufot cgnfOg e'StfgL dfkm{t k|fKt x'g] kl/jTo{ ljb]zL d'b|f .

-#_ :yfgLo laq]mtf, sDkgL÷kmd{n] k|rlnt lgof{tsf] k|s[of ckgfO{ ko{6ssf] cfb]z

adf]lhd cfk}mFn] ljb]zl:yt 7]ufgfdf k7fpg] k|of]hgsf] nflu ko{6s;Fu ePsf]

;xdtL÷;Demf}tf jf cGo sfuhftsf] cfwf/df ;DalGwt ko{6ssf] le;f ;lxtsf]

/fxbfgLsf] k|ltlnlk / laq]mtfn] hf/L u/]sf] aLn÷aLhssf] k|ltlnlk ;lxt k|fKt x'g]

kl/jTo{ ljb]zL d'b|f . o:tf] ljb]zL d'b|f gub} a'emfpg] ePdf k|lt ko{6s cd]l/sL

8n/ %,))).– -kfFrxhf/_ jf ;f] a/fa/ cGo ljb]zL d'b|f :jLsf/ ug{ ;lsg]5 . ;f]

eGbf a9L /sdsf] xsdf lgh ko{6s g]kfn k|j]z ubf{ :j3f]if0ff (Declare) u/L NofPsf] k|df0fsf] cfwf/df dfq :jLsf/ ug'{ kg]{5 .

-v_ clu|d e'QmfgL k|df0fkq hf/L ubf{ ;+nUg cg';\"rL %=! adf]lhdsf] 9fFrfdf a}+s tyf ljQLo

;+:yfn] cfk\mgf] sfof{no sf]8 g+= ;d]t pNn]v u/L l;nl;n]jf/ gDa/sf] clen]v /fv]/ hf/L

ug'{ kg]{5 . clu|d e'QmfgL k|df0f–kq hf/L ug{ cfjZos kg]{ ljj/0f v'Ng] sfuhft gePsf]

cj:yfdf ;Dk"0f{ lhDd]jf/L cfk}mFn] lng' kg]{ zt{df ;DalGwt lgof{tstf{af6 lnlvt :j3f]if0ff

u/fO{ o:tf] k|df0fkq hf/L ug{ ;lsg]5 .

-u_ Pp6f eG;f/ sfof{nol:yt gfsfaf6 dfn;fdfg lgsf;L ug]{ k|of]hgsf] nflu hf/L ePsf]

clu|d e'QmfgL k|df0fkqaf6 k"/} jf cf+lzs /sdsf] lgsf;L cGo eG;f/ sfof{nol:yt

gfsfaf6 ug'{ k/]df o:tf] Joxf]/f k'li6 x'g] sfuhft jf ;Dk"0f{ lhDd]jf/L cfk}m lng] lnlvt

84

:j3f]if0ff lgof{tstf{af6 u/fO{ klxn] hf/L ePsf] clu|d k|df0fkqsf] ;Ssn} k|lt lkmtf{ lnO{ ;f]

Joxf]/f hgfO{ lgsf;L ug{ afFsL /sdsf] csf]{ clu|d e'QmfgL k|df0fkq hf/L ug{ ;lsg]5 .

-3_ h'g a]+}s÷ljQLo ;+:yfdf clu|d e'QmfgL afktsf] kl/jTo{ ljb]zL d'b|f k|fKt ePsf] xf], ;f]xL

a]+}s÷ljQLo ;+:yfn] dfq clu|d e'QmfgL k|df0fkq hf/L ug'{ kg]{5 .

-ª_ ljb]zl:yt e'QmfgL k7fpg] kIf jf cfoftstf{;Fu ePsf] ;Demf}tf÷;xdtL jf Joxf]/f k'li6 x'g]

cGo sfuhftsf] cfwf/df Pp6} clu|d e'QmfgLaf6 ljleGg kIfsf] gfddf / PseGbf a9L

e'QmfgLsf] cfwf/df Pp6} kIfsf] gfddf ;d]t lgof{t ug{ ;lsg] u/L clu|d e'QmfgL k|df0f–kq

hf/L ug{ ;lsg]5 .

-r_ clu|d e'QmfgL k|df0fkq hf/L ug]{ a}+s tyf ljQLo ;+:yfn] clu|d e'QmfgLsf] cfwf/df lgof{t

u/]sf] k'li6 x'g] sfuhft clgjfo{ ¿kdf lnO{ clen]v /fVg' kg]{5 .

-5_ clu|d e'QmfgL afkt lgsf;L ug'{ kg]{ s'n /sdsf] s]xL k|ltzt dfq /sd k|fKt eO{ clu|d

e'QmfgL /sd eGbf a9L /sdsf] ;fdfg lgsf;L ug'{ kg]{ cj:yfdf a9L /sdsf] nflu k|rlnt

Joj:yf adf]lhd Cash Against Document (CAD) cg'dlt kq ;d]t hf/L ug'{ kg]{5 .

-h_ dfyL v08 -5_ adf]lhd CAD cg'dlt hf/L ePsf] cfwf/df x'g] lgof{t tyf ;f]sf] e'QmfgL

;DaGwdf k|rlnt Joj:yf adf]lhd ug'{ kg]{ sfdsf/jfxL a}+s tyf ljQLo ;+:yfsf] ;DalGwt

sfof{noaf6} ug'{ u/fpg' kg]{5 .

-em_ lgof{t k|of]hgsf] nflu k|fKt x'g] clu|d e'QmfgL / CAD dfk{mt k|fKt x'g] e'QmfgLaf6 k|rlnt

Joj:yf adf]lhd ljb]zL d'b|f vftf vf]Ng / e}/x]sf] To:tf] vftfdf hDdf ug{ tyf To:tf]

vftfaf6 k|rlnt Joj:yf adf]lhd vr{ ug{ ;d]t ;lsg]5 .

-`_ lgof{t k|of]hgsf] nflu /sd k|fKt ePsf] ! dlxgf leqdf clu|d e'StfgL k|df0fkq hf/L

ul/;Sg'kg]{5 . o:tf] clu|d e'StfgL k|df0fkqsf] cjwL a9Ldf @ -b'O{_ jif{sf] x'g]5 . tf]lsPsf]

Dofbleq lgof{t ug{ g;sL lgof{tstf{n] gjLs/0fsf] nflu cg'/f]w u/]df lgof{t ug{ afFsL

/sdsf] Ps k6s a9Ldf ! -Ps_ jif{eGbf ga9\g] u/L ;DalGwt a}+s tyf ljQLo ;+:yfn]]

gjLs/0f ug{ ;Sg]5g\ . pQm ;dofjlw ;Dd klg lgof{t x'g g;s]df ;DalGwt

cfoftstf{af6 ;fdfg lgof{t gePsf] kq tyf lgof{tstf{af6 ;d]t ;f]sf] :j3f]if0ff / ljb]zL

d'b|f ckrng gePsf] ;d]t :j3f]if0ff lnO{ yk ! jif{sf] nflu gjLs/0f ug{ ;lsg]5 .

6_ h'g;s} kl/jTo{ ljb]zL d'b|fdf /sd k|fKt ePsf] ePtf klg h'g kl/jTo{ ljb]zL d'b|fdf ;fdfg

lgsf;L ug'{ kg]{ xf] k|rlnt ljlgdob/n] u0fgf u/L ;f]xL d'b|fsf] clu|d e'QmfgL k|df0fkq

hf/L ug'{ kg]{5 . t/ ef/tLo d'b|fdf k|fKt ePsf] /sdsf] cfwf/df cGo kl/jTo{ ljb]zL d'b|fdf

eg] o:tf] k|df0fkq hf/L ug{ ldNg] 5}g .

7_ clu|d e'QmfgL k|fKt ePsf] ljb]zL d'b|f k"/} jf cf+lzs ¿kdf lkmtf{ ug'{ k/]df e'QmfgL k7fpg]

kIfn] ;DalGwt a}+s tyf ljQLo ;+:yf jf ;DalGwt lgof{tstf{ dfk{mt cg'/f]w u/]df b]xfo

adf]lhdsf] k|s[of k"/f u/L ;DalGwt a}+s tyf ljQLo ;+:yf cfk}mn] lkmtf{ ug{ ;Sg]5g\ . o;/L

lkmtf{ u/]sf] ljb]zL d'b|fsf] dfl;s ljj/0f ;+nUg cg';"rL %=@ adf]lhdsf] 9fFrfdf k|To]s

dlxgf ;lsPsf] & lbgleq o; ljefusf] lg/LIf0f tyf cg'udg kmfF6df k7fpg' kg]{5 .

-!_ ljb]zaf6 clu|d e'QmfgL k7fpg] kIfsf] cg'/f]w adf]lhd lkmtf{ k7fpg' kg]{5

-@_ h'g ljb]zL d'b|fdf /sd k|fKt ePsf] xf] ;f]xL d'b|fdf dfq lkmtf{ ug'{ kg]{5

-#_ clu|d e'QmfgL k|fKt ePsf] olsg u/L lelqPsf] ljb]zL d'b|feGbf a9L gx'g] u/L lkmtf{

ug'{ kg]{5 .

-$_ lkmtf{ ug'{ kg]{ /sdsf] ;fdfg lgsf;L gePsf] k|df0f cyf{t\ clu|d e'QmfgL k|df0fkqsf]

;Ssn k|ltdf eG;f/ sfof{noaf6 u/]sf] b/kL7 osLg u/]/ dfq /sd lkmtf{ ug'{

kg]{5 . o;/L /sd lkmtf{ ubf{ pQm k|df0fkqsf] ;Ssn} k|lt lkmtf{ lnO{ /2 ug'{sf ;fy}

85

lkmtf{ u/]sf] /sd / Joxf]/f pNn]v u/L ;DalGwt kmfOndf clen]v ug'{ kg]{5 . o;/L

/2 u/L /sd lkmtf{ u/]sf] Joxf]/f plNnlvt pQm k|df0fkqsf] k|ltlnlk lgof{tstf{nfO{

cfjZos k/]df k|dfl0ft u/L pknAw u/fpg' kg]{5 .

-%_ /sd lkmtf{ ubf{ ;DklQ z'4Ls/0f -dlg nfp08l/ª_ lgjf/0f P]g, @)^$ -;+zf]wg

;lxt_ nufotsf k|rlnt sfg"gdf ePsf Joj:yfx¿sf] kfngf ug'{ kg]{5 .

-@_ lgof{t k|tLtkq k|dfl0ft ul/lbg] ;DaGwL Joj:yf M

lgof{t k|tLtkq k|dfl0ft ug]{ sfo{ æsÆ ju{sf a}+sn] ug{ ;Sg]5g . To:tf a}+sn] o:tf] aLnsf]

sf/f]jf/ ubf{ eG;f/ k|of]hgsf] lgldQ hf/L ug]{ lgof{t k|tLtkq k|dfl0ft ug]{ ;DaGwdf lgDg

adf]lhdsf] Joj:yf cg'?k ug{'kg]{ 5 .

-s_ lgof{t k|tLtkq k|fKt ug]{ lgof{tstf{n] pQm k|tLtkqaf6 ug]{ lgof{t sf/f]jf/sf]

Documents Negotiate u/fpg cyjf Collection df k7fpg a}+sdf cg'/f]w u/]df dfq

eG;f/ k|of]hgsf] lgldQ k|tLtkq k|fKt ePsf] k|df0fkq hf/L ul/lbg] .

-v_ lgsf;Lstf{n] Documents Negotiate u/fpg cyjf ;+sng Collection df k7fpg a}+sdf

gcfpg] ePdf h'g a}+sdf sf/f]jf/ ug{ hfg] xf] ;f]xL a}+sdf lgof{t k|tLtkq Advice k7fpg'

kg]{5 . ;fy}, pQm s'/fsf] clen]v (Record) /fVg'kg]{5 .

-u_ pko'{Qm adf]lhd csf]{ a}+saf6 Advice eO{ k|fKt ePsf] lgof{t k|tLtkqaf6 lgsf;Lstf{n]

;f]xL a}+sdf lgof{t aLn sf/f]jf/ ug]{ ePdf dfq eG;f/ k|of]hgsf] lgldQ lgof{t k|tLtkq

k|fKt ePsf] k|df0fkq hf/L ug{' kg]{5 .

-3_ eG;f/ k|of]hgsf] lgldQ a}+sn] hf/L u/]sf] k|df0fkqx¿af6 ;fdfg lgsf;L u/]kl5

lgsf;Lstf{n] lgof{t aLn k]z ug{ cfP÷gcfPsf] af/] a}+sn] lgoldt cg'udgsf] Joj:yf

ldnfpg' kg]{5 .

-ª_ lgof{t k|tLtkq vf]n]sf] / b[Zo lgof{t -Tangible_ af6 x'g] kl/jTo{ ljb]zL d'b|fsf] cfDbfgL

ljj/0f ;DaGwL ;+nUg 9fFrf adf]lhdsf] lj=lj=lg=kmf=g+= ! / lj=lj=lg=kmf=g+=@ ;fKtflxs

?kdf o; a}+sdf k7fpg' kg]{5 .

-#_ DEEMED EXPORT nfO{ lgof{t ;/x dfGotf lbg] ;DaGwL Joj:yf M

-s_ s'g} g]kfnL pTkfbgstf{n] cfˆgf] pTkflbt j:t' Unf]an 6]08/ jf nf]sn 6]08/ jf cfk"lt{

;Demf}tfsf] dfWodaf6 låkIfLo jf jx'kIfLo ;xfotf cGtu{t ;~rflnt cfof]hgfx¿ Jff

ljb]zL ;/sf/ jf ljb]zL ;+3÷;+:yfx¿åf/f kl/jTo{ ljb]zL d'b|fdf vr{ Joxf]g]{ u/L

;~rflnt cfof]hgfx¿nfO{ kl/jTo{ ljb]zL d'b|f cfh{g x'g] u/L a]rlavg u/]df o;

k|sf/sf] ljqmLnfO{ lab]z lgof{t eP ;/x (DEEMED EXPORT) dflgg]5 .

-v_ ;'grfFbL pBf]u tyf Joj;foLx¿n] o; a}+saf6 Ohfhtkq lnO{ ljb]zL, u}/–cfjf;Lo

g]kfnL, s'6gLlts lgof]usf kbflwsf/Lx¿nfO{ :jb]zd} kl/jTo{ ljb]zL d'b|fdf ;'gsf

u/uxgf laqmL u/]df To:tf] ljqmLnfO{ Deemed Export ;/x lgof{t ePsf] dfgL ljBdfg

Joj:yf adf]lhd ;''g pknAw u/fOg]5 .

pko{'Qmfg';f/ v08 -s_ / -v_ adf]lhd cfh{g ePsf] kl/jTo{ ljb]zL d'b|f k|rlnt Joj:yf

adf]lhd Ohfhtkq k|fKt a}+sdf kl/jTo{ ljb]zL d'b|fsf] vftf vf]nL ;f] vftfdf hDdf ug{

;lsg]5 .

86

-$_ tof/L kf];fssf] lgof{t sf/f]jf/ ;DaGwL Joj:yf M

-s_ CMTP (Cutting, Manufacturing, Trimings and Profit) Joj:yf M tof/L kf];fs lgof{tstf{x¿nfO{ CMTP (Cutting, Manufacturing, Trimings and Profit) sf]

cfwf/df FOC (Free of Cost) df sk8f cfoft u/L CMTP cGtu{t lgof{t ePsf tof/L

kf];fssf] lgof{t sfuhftx¿ æsÆ ju{sf a}+sn] lgDg zt{gfdfx¿ cGtu{t /xL

Negotiation/ Collection ug{ ;Sg]5g M

-!_ lgof{t k|1fkgkq clgjfo{ ?kn] k]z ug'{kg]{

-@_ k|1fkgkqdf Fabric/CMTP d"No 5'§f5'§} v'n]sf] x'g'kg]{

-#_ s'n FOB d"Nosf] Go"gtd #% -k}+tL;_ k|ltzt CMTP x'g'kg]{ -$_ CMTP Component dWo] k"/} jf cf+lzs e'QmfgL k|fKt gePdf k|rlnt Joj:yf

cg';f/ ug'{kg]{

-v_ Third Party Document Negotiation ug{ gkfOg] M

cfoftstf{af6 tof/L kf];fs lgof{t ug]{ pBf]u jf kmd{sf] gfpFdf k|fKt x'g] k|tLtkq

cGtu{t Third Party Document Negotiation ug{ gkfOg] Joj:yf ldlt @)%).(.!& b]lv

nfu' /x]sf] x'Fbf o:tf k|tLtkqx¿df Third Party Document Negotiation Acceptable eGg]

Joxf]/f pNn]v ePtfklg To:tf Documents sf] Negotiation ug{ jf ;+sngfy{ :jLsf/ ug{

eg] kfOg] 5}g .

-%_ lgof{tsf] sf/f]jf/ ug]{ tyf e'QmfgL k|fKt ug]{ ;DaGwL Joj:yf M

ef/t afx]s cGo d'n'sx¿df lgof{t ePsf] j:t'x¿sf] e'QmfgL tf]lsPsf] cjlwleq k|fKt ePsf] jf

gePsf] af/]df æsÆ ju{sf a}+sx¿n] lgoldt ?kn] cBfjlws hfgsf/L lng] ;DaGwdf lgDgfg';f/

ug{'kg]{5 .

s= k|tLtkqsf] cfwf/df lgof{t ePsf] dfn;fdgx¿sf] Documents Negotiate u/]kl5

plNnlvt ldlt leq e'QmfgL k|fKt x'g gcfPdf sf/0f ;lxt To:tf] lgof{tstf{x¿sf] ljj/0f

lgoldt ?kn] o; ljefunfO{ hfgsf/L u/fpg' kg]{5 .

v= Documents Collection df k7fPsf] xsdf lgof{tstf{af6 pQm Documents Collection df

k7fpg'sf] sf/0f / e'QmfgL k|fKt x'g] ;Defljt cjlw clgjfo{ ?kn] pNn]v u/fpg'kg]{ / ;f]

cjlw leq -lgof{t ePsf] ldltn] ^ dlxgf ggf£g] u/L_ e'QmfgL k|fKt gePdf To:tf

lgof{tstf{x¿sf] ljj/0f lgoldt ?kn] o; ljefunfO{ hfgsf/L u/fpg' kg]{5 . pko{'Qm

ljj/0fx¿ o;};fy ;+nUg lj=lj=lg=kmf=g+= @-s_ cg';f/sf] 9fFrfdf dfl;s ?kn] dlxgf

;dfKt ePsf] & -;ft_ lbgleq o; ljefunfO{ pknJw u/fpg' kg]{5 .

u= Export Documents Negotiate eO{ jf Collection sf] nflu k7fPsf] xsdf e'QmfgL k|fKt

x'Fbf 8s'd]G6df pNn]lvt /sdeGbf sd kl/df0fsf] ljb]zL d'b|f k|fKt ePsf] 5 / o;/L

Shortfall ePsf ljifox¿ cfoftstf{;Fu ;DalGwt afl0fHo a}+sx¿n] ljleGg Charges afkt s§f u/]sf] /sdsf] sf/0fn] ePsf] /x]5 eg] o:tf ljifox¿nfO{ Shortfall sf]

Category df g/fVg] / ;DalGwt a}+s :jod\n] 6'Ëf] nufpg ;Sg]5 . t/, o;/L 6'Ëf]

nufpFbf ;DalGwt a}+sx¿n] Shortfall ePsf] /sd ljb]zl:yt Correspondent a}+sx¿sf]

Charges dfq xf] / o;df ljb]zL cfoftstf{x¿sf] tkm{af6 s§f u/]sf] /sd ;dfj]z 5}g

eGg] osLg ug'{ kg]{5 .

3= Negotiate ePsf jf Collection df k7fOPsf s'g} klg lgof{t Documents sf] e'QmfgL k|fKt

xF+'bf Document df pNn]v ePsf] ljb]zL d'b|f /sdsf] b'O{ k|ltzt jf cd]l/sL 8n/

!,))).– -jf ;f] ;/xsf] cGo kl/jTo{ ljb]zL d'b|f_ ;Dd h'g a9L x'G5, ;f]xL /sd a/fa/sf]

sd e'QmfgL k|fKt x'g] cj:yf ePdf jf k|fKt ePdf ;DalGwt sfuhftx¿ cWoog u/L

87

pko'Qm 7xl/Psf] v08df / lgof{tstf{sf] klg ;xdlt ePdf a}+s :jod\n] To:tf] ljb]zL

d'b|f e'QmfgL :jLsf/ u/L ;DalGwt lgof{tstf{nfO{ e'QmfgL lbg ;Sg]5 . ;fy}, o;/L sd

e'QmfgL Nofpg] lx;fj ubf{ k|To]s k|tLtkqsf] 5'§f5'§} lx;fj ug'{kg]{5 .

ª= o;/L lgof{tsf] e'QmfgL k|fKt ubf{ k|lt 8s'd]G6 dfly pNn]v ul/P cg'?ksf] /sdeGbf a9L

/sd Go"g (Shortfall) x'g] ePdf o; ljefusf] :jLs[lt clgjfo{ ?kdf lng'kg]{5 . dfly

pNn]v eP cg';f/ sd e'QmfgL k|fKt ePsf] ljj/0f lj=lj=lg=kmf=g+=@-s_ sf] 9fFrfdf o;

ljefunfO{ pknAw u/fpg'kg]{5 .

r= g]kfnL lgof{tstf{x¿sf] gfddf k|fKt x'g] k|tLtkqx¿df Xof08lnË rfh{ jf sld;g OToflb

afkt egL ljb]zL d'b|fsf] /sd s§f x'g] jf e'QmfgL ug'{kg]{ zt{x¿ /flvPsf] 5 eg] To:tf

k|tLtkqx¿ :jLsf/ ug{ gldNg] . t/ o;/L s§f x'g] jf e'QmfgL ug'{ kg]{ /sd 8s'd]06sf]

b'O{ k|ltzt jf cd]l/sL 8n/ !,))).– -h'g a9L x'G5_ gf3\b}g eg] To:tf k|tLtkqx¿

:jLsf/ ug{ a}+sx¿nfO{ afwf kg]{ 5}g .

-^_ bfnhGo j:t'x¿sf] lgof{t ;DaGwL Joj:yf .

g]kfn ;/sf/, jfl0fHo tyf cfk"lt{ dGqfnosf] ldlt @)^&.@.# sf] lg0f{ofg';f/ /x/sf] bfn afx]s

cGo ;a} k|sf/sf bfnhGo j:t'x¿sf] lgsf;L v'nf ul/Psfn] ;f]xL adf]lhd /x/sf] bfn afx]s

cGo bfnhGo j:t'x¿sf] lgsf;L ;DaGwL sf/f]jf/ ug{ ;lsg] 5 .

-&_ Cash Against Documents (CAD) sf] cfwf/df dfn;fdfg lgof{t ;DaGwL Joj:yf M

CAD cGtu{t ef/tafx]s cGo d'n'stkm{ lgof{t ug{ rfxg] lgof{tstf{x¿sf] nflu lgDg lnlvt

zt{x¿ kfngf ug'{kg]{ u/L To:tf] lgof{t cg'dlt ;DalGwt a}+s÷ljQLo ;+:yfx¿ dfkm{t k|fKt ug{

;lsg] 5 .

-s_= Ps k6sdf a9Ldf cd]l/sL 8n/ %,)),))).– -cd]l/sL 8n/ kfFr nfv_ ;Ddsf] ;fdfg

lgof{t ug{ cg'dlt k|bfg ug{ ;lsg]5 .

-v_ lgj]bg;fy cBfjlws btf{ k|df0fkq / cfos/ btf{ k|df0fkqsf] k|ltlnlk ;+nUg x'g'kg]{5 .

-u_ lgof{t ug{ dfu ePsf] /sdnfO{ k'li6 ug]{ aLhs (Invoice) jf ljqmL ;Demf}tf (Sales

Contract) jf v/Lb cfb]z (Purchage Order) ;+nUg x'g'kg]{5 .

-3_ lgof{t cg'dlt hf/L ubf{ lgof{t /sdnfO{ vfDg] u/L jLdf ul/Psf] x'g'kg]{ 5 .

-ª_ lgof{t d"Nosf] ! k|ltztn] x'g] /sd a/fa/sf] gub jf artkq jf ljsf; C0fkq jf

;DalGwt a}+s÷ljQLo ;+:yfnfO{ dfGo x'g] ;'/If0fkq w/f}6Lsf] ¿kdf lng'kg]{5 .

-r_ o:tf] lgof{tsf] e'QmfgL k|fKt ePkl5 w/f}6L km's'jf ;DalGwt a}+s÷ljQLo ;+:yf :jod\n] ug{

;Sg]5 .

-5_ lgof{t cg'dltkq hf/L ePsf] ldltn] ^ -5_ dlxgfleq lgof{t d"No a/fa/sf] /sd e'QmfgL

gcfPdf ;DalGwt a}+s÷ljQLo ;+:yfn] To:tf] gub w/f}6L jf ;'/If0fkqx¿ /f]Ssf u/L] ;f]sf]

ljj/0f & -;ft_ lbgleq o; ljefudf k]z ug{'kg]{5 .

-h_= a}+s Uof/]G6Lsf] cfwf/df lgof{t ug'{k/]df o; a}+ssf] k"j{ :jLs[lt lng'kg]{5 .

-em_ a}+s÷ljQLo ;+:yfx¿n] lgof{t cg'dltkq hf/L ubf{ lgof{tstf{ kf6L{n] h'g eG;f/

sfof{noaf6 ;fdfg lgof{t ug]{ xf], ;f] eG;f/ sfof{nosf] gfddf dfq o;};fy ;+nUg

cg';\"rL %=^ cg';f/sf] lgof{t cg'dltkq hf/L ug'{kg]{5 .

88

-*_ lgof{t ug]{ eG;f/ ljGb' ;DaGwL Joj:yf M

k|tLtkq dfkm{t ;fdfg lgof{t ubf{ cfoft ug{ tf]lsPsf O=k|f=kl/kq ;+Vof ! sf] bkmf ! sf] pkbkmf

!=!=! sf] v08 -u_ adf]lhdsf eG;f/ laGb'x¿ g} ef/tLo aGbufx eO{÷jf geO{ t];|f] d'n's lgof{t

x'g] Jofkfl/s ;fdfgsf] xsdf klg k|of]u ug'{ kg]{ 5 .

89

cg';"rL %=!

-O=k|f= kl/kq ;+VofM % sf] bkmf !-v_ sf] k|of]hgsf] nflu_

===============a}+s÷ljQLo ;+:yfsf] gfd

============sfof{no÷zfvf

a}+s tyf ljQLo ;+:yf sfof{nosf] sf]8 g+=÷k|df0fkqsf] l;nl;n]jf/ gDa/ M

lgof{tsf] nflu clu|d e'QmfgL k|df0fkq

ldlt M

>L g]kfn ;/sf/

================eG;f/ sfof{no

-7]ufgf_

dxfzo,

To; eG;f/ sfof{no dfk{mt lgsf;L x'g] u/L tkl;n adf]lhd clu|d e'QmfgL k|fKt ePsf]n] of]

k|df0f–kq hf/L ul/Psf] 5 . ;fdfg lgsf;L eP cg'¿ksf] Joxf]/f tn plNnlvt dxndf k|dfl0ft ;d]t

ul/lbg' x'g cg'/f]w ub{5f}F .

s|=;+= ljj/0f ljj/0f

1 e'QmfgL k|fKt ug]{ lgof{tstf{sf] gfdM

a}+s sfof{nodf /x]sf] vftf gDa/M

e'QmfgL k|fKt ljb]zL d'b|f /sdM

/sd hDdf ePsf] ldltM

2 e'QmfgL k7fpg] kIfsf] gfdM

7]ufgfM

lgof{t ul/g] ;fdfgsf] gfdM

kl/df0fM

d"NoM

9'jfgL z'NsM

jLdf z'NsM

3 e'QmfgL k7fpg] a}+s tyf ljQLo ;+:yfsf]

gfdM

7]ufgfM

/sdsf] k|of]hgM

Ph]G;L vftfdf hDdf ePsf] ldltM

4 /sdfGt/ ePsf] dfWodM 8«fkm\6÷l6=l6=÷:jLkm\6, :yfgLo ljqmL, Epayment

5 ;fdfg k|fKt ug]{ ljb]zL kIfsf] gfdM

7]ufgfM


gfd M

kb M

a}+ssf] 5fk M

lgsf;L ePsf] eG;f/ sfof{noaf6 k|dfl0ft ljj/0f

plNnlvt k|df0fkq cg'¿k b]xfo adf]lhd lgsf;L ePsf] Jox]f/f k|dfl0ft ul/Psf] 5 .

l;=g+= lgof{t u/]sf] ldlt /sd -ljb]zL d'b|f_ lgof{t ug{ afFsL ljb]zL d'b|f eG;f/ clws[tsf] b:tvt tyf

sfof{nosf] 5fk

1

2

3

4

90

cg';"rL %=@

-O=k|f= kl/kq ;+VofM % sf] bkmf ! sf] v08 -7_ sf] k|of]hgsf] nflu_

=========a}+s tyf ljQLo ;+:yfsf] gfd

=========sfof{no÷zfvf



dxfzo,

dfn;fdfg lgof{tsf] nflu o; sfof{no dfk{mt k|fKt ePsf] clu|d e'QmfgL /sddWo] b]xfo

adf]lhdsf] /sd kl/kqdf ePsf] Joj:yf adf]lhd lkmtf{ ul/Psf] Joxf]/f hfgsf/Lsf] nflu k]z u/]sf 5f}F .

l;=g+=

clu|d

e'QmfgL k|fKt

ldlt

ljb]zL d'b|f

g]=?=

clu|d

e'QmfgLsf]

k|df0fkq g+=

lkmtf{ u/]sf]

ljb]zL

lkmtf{ u/]sf]

g]=?=

s}lkmot

1

2

3


gfd M

kb M

a}+ssf] 5fk M

91

cg';"rL %=#

-O=k|f= kl/kq ;+VofM % sf] bkmf @ sf] v08 -ª_ sf] k|of]hgsf] nflu_

lj=lj=lg=kmf=g+= !

============ a}+s ln=

lgof{t k|tLtkq vf]n]sf] ljj/0f

-;fKtflxs_

============= ;fn ================= dlxgf ============= ut]

g]kfn /fi6« a}+s

ljb]zL ljlgdo Joj:yfkg ljefu .

lgof{t

k|tLtkq g+=

lgof{tstf{sf] gfd

7]ufgf

;fdfgsf]

b]z

k|tLtkq /sd Ph]G;L

a}+s

gfd kl/df0f ljb]zL d'b|f /sd

;f]sf] x'g] ?=


gfd M

kb M

a}+ssf] 5fk M

92

cg';"rL %=$

-O=k|f= kl/kq ;+VofM % sf] bkmf @ sf] v08 -ª_ sf] k|of]hgsf] nflu_

lj=lj=lg=kmf=g+= @

============ a}+s ln=

b[io lgof{taf6 x'g] kl/jTo{ ljb]zL d'b|fsf] cfDbfgL ljj/0f

-;fKtflxs_

============= ;fn ================= dlxgf ============= ut]

g]kfn /fi6« a}+s


a}+ssf]

/]km/]G; g+

lgof{tstf{

sf] gfd

7]ufgf

k|tLtkq÷clu|d

e'QmfgL jf cGo

pNn]v ug]{

lgof{t

ldlt

lgof{t j:t'sf] /sd

Ph]G;L

hDdf

ldlt

gfd kl/df0f ljb]zL d'b|f

lj=d'=

/sd ;f]sf] x'g] ?=


gfd M

kb M

a}+ssf] 5fk M

93

cg';"rL %=%

-O=k|f= kl/kq ;+Vof % sf] bkmf % sf] v08 -v_ sf] k|of]hgsf] nflu_

lj=lj=lg=kmf=g+= @-s_

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

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

lgof{t e'QmfgL k|fKt x'g gcfPsf] dfl;s ljj/0f

@)=========b]lv @)========d;fGt;Dd


s]Gb|Lo sfof{no


ljifo M– Pkm=lj=Pg=÷Pkm=lj=;L= ljj/0f

sf/f]jf/ g+=

lgof{tstf{sf] gfd,

7]ufgf

lgof{t ePsf j:t'x¿sf]

ljj/0f g]uf]l;ozg

ldlt

e'QmfgL

cfpg'kg]{

ldlt

e'QmfgL

cfpg'kg]{

afFsL /sd

lkmtf{

cfPsf]

sf/0f lgof{t j:t'sf]

gfd

ljb]zL d'b|f

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


gfd M

kb M

a}+ssf] 5fk M

94

cg';"rL %=^

-O=k|f= kl/kq ;+Vof % sf] bkmf & sf] k|of]hgsf] nflu_

lgof{t cg'dltkq

>L =================eG;f/ sfof{no

============================== .

ljifoM– CAD (Cash Against Documents) sf] cfwf/df dfn;fdfg lgsf;L ;DaGwdf .

dxfzo,

>L ================================== sf] ldlt ================================== sf] lgj]bgaf6 dfu eO{ cfP

cg';f/ pQm pBf]u÷kmd{nfO{ CAD cGtu{t ========================= d"No a/fa/sf] ====================== ;fdfg To;

eG;f/ sfof{noaf6 lgsf;L ug{ :jLs[lt lbOPsf] Joxf]/f cg'/f]w ub{5' .

ejbLo,

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

cflwsfl/s b:tvt cflwsfl/s

b:tvt

af]wfy{ M–

!= >L ==================================

=========================================== .

95

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M)^÷@)&^

lgof{tdf cg'bfg k|bfg ug]{ ;DaGwL Joj:yf

!= :jb]zL pTkfbgnfO{ lgof{td'vL jgfpg tyf lgof{t k|j4{g u/L j}b]lzs Jofkf/df b]lvPsf]

c;Gt'ngnfO{ sd ug{ g]kfn ;/sf/n] lgof{t k|f]T;fxg ug{ lgof{tstf{nfO{ k|bfg ug]{ cg'bfgnfO{

Jojl:yt, kf/bzL{, ;/n Pjd k|efjsf/L agfpg g]kfn ;/sf/ dGqLkl/ifb\n]] ælgof{tdf cg'bfg k|bfg

ug]{ ;DaGwL sfo{ljlw, @)&%Æ df ;+zf]wg :jLs[t u/]sf] x'Fbf ;f] ;+zf]lwt Joj:yf ;lxtsf]

sfo{ljlwdf pNn]v ePsf k|fjwfgx¿ b]xfo adf]lhd sfof{Gjog ug]{ u/fpg] Joj:yf ul/Psf]n] o;}

;fy ;+nUg sfo{ljlw adf]lhd ug'{ u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@

n] lbPsf] clwsf/ k|of]u u/L of] kl/kq hf/L ul/Psf] 5 .

-s_ lgof{tdf cg'bfg k|bfg ug]{ ;DaGwL Joj:yf M

!= o;};fy ;+nUg sfo{ljlwdf pNn]v ePsf k|fjwfgx¿ o; a}+saf6 Ohfhtkq k|fKt -s_ ju{sf

;j} jfl0fHo a}+sx¿n] kfngf ug'{kg]{5 .

@= j:t' lgof{t tyf ;f]sf] e'QmfgL h'g a}+s sfof{no dfk{mt ePsf] xf] ;f]xL a}+s sfof{no dfk{mt

dfq gub k|f]T;fxg pknJw u/fpg' kg]{5 .

#= lgof{tdf gub cg'bfg k|bfg ubf{ sfo{ljlwsf] bkmf # df ePsf] Joj:yf adf]lhd k|bfg ul/g]5 .

o; sfo{ljlwsf] bkmf ^ sf] pk–bkmf # df ePsf] Joj:yf adf]lhd a}+s vftfdf /sd hDdf

ubf{ lgof{tstf{sf] vftfdf ljb]zL d'b|f hDdf ePsf] lbgsf] nflu g]kfn /fi6« a}+sn] lgwf{/0f

u/]sf] kl/jTo{ ljb]zL d'b|fsf] vl/b b/sf] cfwf/df g]kfnL ?k}ofFdf ?kfGt/0f u/L ;f]xL a/fa/sf]

g]kfnL ?k}ofFdf k|bfg ug'{kg]{5 . o; k|of]hgsf] nflu lgof{tstf{n] bkmf $ df pNn]lvt lgof{t

x'g] a:t'sf] k|df0fLs/0f ;DaGwL sfuhft k]z ug'{kg]{5 .

$= sfo{ljlwsf] bkmf # adf]lhdsf] gub cg'bfg k|fKt ug{ rfxg] lgof{tstf{n] sfo{ljlwsf] bkmf %

adf]lhdsf sfuhft ;lxt cg'';"rL–$ adf]lhdsf] 9fFrfdf a}+s ;dIf lgj]bg lbg'kg]{5 .

%= a'Fbf $ adf]lhd lgof{tstf{sf] a}+s vftfdf /sd hDdf ul/;s]kl5 ;DalGwt a}+sn] ;f]

a/fa/sf] /sd zf]wegf{sf] nflu cfjZos sfuhft ;lxt sfo{ljlwsf] cg';"rL–% adf]lhdsf]

9fFrfdf g]kfn /fi6« a}+s ;dIf lgj]bg lbg' kg]{5 .

^= sf7df8f}+ pkTosf aflx/l:yt a}+s sfof{nox¿n] bkmf % adf]lhd zf]wegf{ dfu ubf{ cfkm\gf]

s]Gb|Lo÷skf]{/]6 sfof{no dfk{mt jf ;f]e}m o; ljefudf lgj]bg k7fpg ;Sg]5g\ . t/, zf]wegf{

/sd eg] ;DalGwt a}+s sfof{nosf] s]Gb|Lo÷skf]{/]6 sfof{nosf] o; a}+ssf] a}ls+u sfof{no,

jfn'jf6f/l:yt vftfdf dfq hDdf ul/g]5 .

&= ælgof{tdf gub cg'bfg k|bfg ug]{ ;DaGwL sfo{ljlw-klxnf] ;+;f]wg_ @)&%Æ tyf o; kl/kqdf

pNn]v ePsf k|fjwfg tyf k|lqmofx¿ k"/f geO{ k|fKt ePsf lgj]bgsf] zf]wegf{ ul/g] 5}g .

*= o; ljefudf k|fKt ePsf l/tk"j{ssf lgj]bgxsf] zf]wegf{ ubf{ g]kfn ;/sf/, cy{ dGqfnon]

o;} k|of]hgsf] nflu o; a}+snfO clu|d ?kdf pknJw u/fPsf] /sdn] vfd];Dd & -;ft_

sfo{lbgleq} e'QmfgL ul/g]5 .

96

(= g]kfn ;/sf/ pBf]u, jfl0fHo tyf cfk"lt{ dGqfnoaf6 hf/L lgof{tdf gub cg'bfg k|bfg ug]{

;DaGwL sfo{ljlw-klxnf] ;+;f]wg_, @)&% o;};fy ;+nUg /x]sf] 5 .

@= g]kfn ;/sf/, pBf]u, jfl0fHo tyf cfk"lt{ dGqfnoaf6 hf/L lgof{tdf cg'bfg k|bfg ug]{

;DaGwL sfo{ljlw -klxnf] ;+;f]wg_, @)&% b]xfo adf]lhd /x]sf] 5 .

g]kfn ;/sf/

pBf]u,jfl0fHo tyf cfk"lt{ dGqfnosf] ;"rgf

lgof{tdf cg'bfg k|bfg ug]{ ;DaGwL sfo{lalw -klxnf] ;+;f]wg_,@)&%

k|:tfjgfM lgof{tdf cg'bfg k|bfg ug]{ ;DaGwL sfo{ljlw, @)&% nfO{ ;+;f]wg ug{ jf~5gLo ePsf]n] g]kfn

;/sf/ -dlGqkl/ifb\_ n] b]xfosf] sfo{ljlw agfO{ nfu" u/]sf] 5 .

!= ;+lIfKt gfd / k|f/DeM-!_ o; sfo{ljlwsf] gfd ælgof{tdf cg'bfg k|bfg ug]{ ;DaGwL sfo{ljlw -klxnf]

;+zf]wg_, @)&%Æ /x]sf] 5 .

-@_ of] sfo{ljlw t'?Gt nfu' x'g]5 .

@= kl/efiffM ljifo / k|;Ën] csf]{ cy{ gnfu]df o; sfo{ljlwdfM—

-s_ æcg'bfgÆ eGgfn] cg';"rL ! jf cg';"rL @ adf]lhdsf j:t'x¿ lgof{t ug]{ lgof{tstf{nfO{ ;]fxL

cg';"rLdf pNn]v ul/Psf] b/df g]kfn ;/sf/n] k|bfg ug]{ lgof{t k|f]T;fxg afktsf] cg'bfg

/sd ;Demg' k5{ .

-v_ æpBf]uÆ eGgfn] :j]b]zL sRrfkbfy{ jf cfofltt sRrf kbfy{ pkof]u u/L s[lifhGo, jghGo,

cf}Bf]lus jf 3/]n' tyf x:tsnf nufotsf j:t' pTkfbg tyf lgof{t ug]{ k|rlnt sfg"g

adf]lhd btf{ ePsf pBf]u ;Demg' k5{ .

-u_ ælgof{tÆ eGgfn] g]kfn /fi6« a}+sn] tf]s]sf] kl/jTo{ ljb]zL d'b|f cfh{g x'g] u/L g]kfnaf6 ljleGg

d'n'sx¿df ul/g] dfn;fdfgsf] lgof{t ;Demg' k5{ / ;f] zAbn] ef/tdf x'g] lgsf;Lsf] xsdf

a}lsË k|0ffnL dfkm{t x'g] ef/tLo ?k}of cfh{g x'g] u/L ul/g] lgof{tnfO{ ;d]t hgfpF5 .

-3_ ælgof{tstf{Æ eGgfn] k|rlnt sfg"g adf]lhd cfoft lgof{t cg'dltkq -PlShd sf]8_ lnPsf

pTkfbs, lgof{t k|j4{g u[x jf ;xsf/L ;+:yf ;Demg' k5{ .

-ª_ ælgof{t k|j4{g u[xÆ eGgfn] lgof{t of]Uo a:t' pTkfbg ug]{ pTkfbs tyf pBf]u;Fu To:tf] j:t'

vl/b u/L lgof{t ug]{ k|rnLt sfg"g adf]lhd :yfkgf ePsf ;+:yf ;Demg' k5{ .

-r_ æa+}sÆ eGgfn] g]kfn ;/sf/n] pknAw u/fPsf] lgof{t cg'bfg e'QmfgL ;DaGwL sfo{ ug]{ g]kfn

l:yt ;DalGwt jfl0fHo a}+s ;Demg' k5{ .

-5_ ædGqfnoÆ eGgfn] pBf]u, jfl0fHo tyf cfk"tL{ dGqfno ;Demg'k5{ .

-h_ æd"No clej[l4Æ eGgfn] lgof{t ul/g]] j:t' pTkfbg klqmofdf pkof]u ePsf] :jb]zL j:t' jf

;]jfsf] dfqf ;Demg'k5{ .

-em_ æljefuÆ eGgfn] pBf]u ljefu ;Demg' k5{ .

-`_ æ;ldltÆ eGgfn] bkmf * adf]lhdsf] ;ldlt ;Demg' k5{ .

#= lgof{t k|f]T;fxg pknAw u/fpgM] -!_ g]kfn ;/sf/n] cg';"rL ! jf cg';"rL @ df plNnlvt j:t'

lgof{t u/]df lgof{tstf{nfO{ s"n lgof{t d'Nodf kfFr k|ltzt / cg';"rL @ df plNnlvt j:t'x¿

lgof{t u/]df lgof{tstf{nfO{ s"n lgof{t d"Nodf tLg k|ltztn] x'g] /sd cg'bfg :j?k pknAw

u/fpg] 5 .

-@_ pkbkmf-!_ cg';f/sf] cg'bfg k|fKt ug{ lgof{stf{n] lgof{t u/]sf] j:t'sf] e'QmfgL kl/jTo{

ljb]zL d'b|fdf a}sdf bflvnf ePsf] k|df0f jf ef/tdf x'g] lgsf;Lsf] xsdf a}lsË k|0ffnLsf]

dfWodaf6 x'g] cflh{t ef/tLo d'b|f a}s bflvnf u/]sf] k|df0f / eG;f/ sfof{non] dfnj:t' lgsf;L

x'Fbf hf/L u/]sf] lgof{t k|1fkg kq ;d]t k]z ug'{ kg]{5 .

97

-#_ g]kfn ;/sf/n] /fli6«o:t/sf] ;fd"lxs 6«]8dfs{ btf{ u/]sf] / d"No clea[l4 sDtLdf rfnL;

k|ltzt ePsf] cg';"rL @ adf]lhdsf] j:t'sf] lgof{t u/]df yk Ps k|ltzt cg'bfg /sd pknAw

u/fpg]5 .

-$_ cg';"rL ! df plNnlvt a:t'x¿sf] pTkfbgdf bkmf $ sf] pkbkmf-!_ adf]lhdsf] ;"qsf

cfwf/df d"No clea[l4 slDtdf krf; k|ltzt / cg';"rL @ df plNnlvt j:t'x¿sf] pTkfbgdf

d"No clea[l4 slDtdf tL; k|ltzt ePsf] x'g' kg]{5 .

-%_ cg';"rL ! cg';"rL @ df plNnlvt j:t'x¿sf] pTkfbgdf d"No clea[l4sf] k|df0fLs/0f

k|To]s cfly{s jif{sf] ;fpg dlxgf / df3 dlxgfdf klxnf] k6s lgsf;L ubf{ pBf]u ljefuaf6

u/fpg'kg]{5 . t/ cfly{s aif{ @)&%÷@)&^ sf] nflu ;DalGwt lgof{tstf{n] u/]sf] :j–3f]if0ffnfO{ g}

dflgg]5 .

-^_ pkbkmf $ adf]lhd d"No clea[l4 u0fgf ubf{ cg';"rL ! sf a:t"x¿sf] d"No clea"l4

krf; k|ltzt eGbf sd ePdf sd ePsf] d"No clea[l4 cg'?k pkbkmf ! sf] cg';"rL @

adf]lhdsf] b/df jf pkbkmf # adf]lhd cg'bfg /sd pknAw u/fOg]5 . To;}u/L cg';"rL @

cGt/utsf a:t'x¿sf] d"No clea[l4 krf; k|ltzt jf ;f] eGbf a9L ePdf pkbkmf ! sf] cg';"rL

! ad]flhdsf] b/df cg'bfg /sd pknAw u/fOg]5 .

-&_ lgof{tstf{n] lgof{t u/] jfkt kfpg] cg'bfg h'g cfly{s jif{df lgof{t u/]sf] xf] ;f]xL cfly{s

aif{sf] jf;nftdf lx;fa b]vfpg' kg]{5 .

$= lgof{t ePsf] a:t'sf] k|df0fLs/0f ug'{ kg]{M -!_ o; sfo{ljlw adf]lhd d"No clea[l4 u0fgf ubf{

b]xfosf] ;'q sf cfwf/df ul/g]5 .

Value Addition =Export FOB Price-Value of Foreign Originated Material *100 Export FOB Price

-@_ o; sfo{ljlw adf]lhd cg'bfg k|fKt ug]{ j:t'sf] ;DaGwdf lgof{tstf{n] bkmf -#_ / bkmf -$_ sf]

pkbkmf ! df plNnlvt zt{ / cg';"rL # df plNnlvt :j 3f]if0fsf] k|fl0fs/0f ;lxtsf] cg';"rL #

adf]lhdsf] ljj/0f dfnj:t' lgof{t u/]sf] dlxgf ;dfKt ePsf] ;f7L lbg leq ljefu ;dIf k]z ug'{

kg]{5 .

-#_ pkbkmf @ adf]lhd k]z ePsf] ljj/0fsf cfwf/df ljefun] To:tf] j:t'sf] cg';"rL # adf]lhdsf]

9fFrfdf k|dfl0fs/0f u/L ;f]sf] hfgsf/L tLg lbgleq ;DaGwLt lgof{stf{nfO{ lbg' kg]{5 .

-$_ pkbkmf @ adf]lhd k]z ePsf] ljj/0f nufotsf ljifox¿sf] ;DaGwdf ljefun] cfjZostf

cg';f/ hf]lvd ;d]tsf cfwf/df slDtdf kfFr k|ltzt pBf]usf] ;DalGwt j:t' pTkfbg x'g]

sf/vfgf jf pTkfbg :ynsf] lg/LIf0f ug{ jf To:tf] j:t'sf] pTkfbg k|s[of af/] cfjZos hfFra'em

ug'{ kg]{5 .

-%_ pkbkmf-$_ adf]lhd hfFra'em ubf{ lgof{tstf{n] bkmf $ sf] pkbkmf ! jf @ ad]flhd k]z u/]sf]

ljj/0f em'6f 7x/]df k|rlnt sfg'gdf Joj:yf ePsf]df ;f] adf]lhd / pNn]v gePsf]df ;f] cfly{s

aif{df o; sfo{ljlw ad]flhd k|bfg ul/Psf] cg'bfg /sd / ;f] cg'bfg /sd a/fa/sf] yk hl/jfgf

c;'n ul/g]5 .

%= cg'bfg dfu ug]{M -!_ g]kfn ;/sf/n] pknAw u/fpg] bkmf # adf]lhdsf] cg'bfg k|fKt ug{ rfxg]

lgof{tstf{n] b]xfosf ljj/0f sfuhft ;lxt cg';"rL $ adf]lhdsf] 9fFrfdf a}s ;dIf lgj]bg lbg'

kg]{5 .

-@_ pkbkmf ! adf]lhd lgj]bg lbFbf h'g a}+s dfkm{t j:t' lgsf;L ug]{ k|of]hgsf] nflu a}lsË

sf/f]af/ u/]sf] xf] ;f]xL a}+sdf b]xfosf ljj/0f sfuhft ;lxt lgj]bg lbg' kg]{5 .

-s_ lgof{tstf{sf] cfot lgof{tstf{ cg'dltkq-PlShd sf]8_tyf :yfoL n]vf gDa/ jf d"No

clea[l4 s/ btf{sf] k|df0f kqsf] k|dfl0ft k|ltlnlk,

-v_ lgof{tstf{4f/f hf/L ul/Psf] lgof{ltt j:t'sf] Jofkf/Ls lan lahs / eG;f/ k|1fkgkq,

-u_ j:t' lgof{t u/] afkt lgof{tstf{n] k|fKt u/]sf] ljb]zL d'b|f a}s bflvnf ePsf] k|df0f k'Ug]

sfuhft jf a}s :6]6d]06,

98

-3_ lgof{tstf{n] kl5Nnf] cfly{s jif{sf] s/ r'Qmf u/]sf] k|df0fkqsf] k|ltlnlk .

-ª_ cg';"rL # adf]lhd ljefuaf6 k|dfl0ft ljj/0f,

-r_ ef/tdf lgsf;L x'g]sf] xsdf eG;f/ sfof{nosf] dfnj:t' lgsf;L x'Fbf hf/L u/]sf] lgof{t

k|1fkg kqsf] k|lt

^= cg'bfg /sdsf] e'QmfgLM -!_ bkmf # adf]lhd lgof{tstf{nfO{ k|bfg u/Lg] cg'bfg /sd e'QmfgLsf]

k|of]hgsf] nflu g]kfn /fi6« a}sdf ælgof{tdf gub cg'bfg zf]wegf{Æ gfdsf] Psn vftf /xg] 5 /

;f] vftfdf cy{ dGqfnon] ;do ;dodf cfjZos /sd clu|d ?kdf hDdf ug]{5 .

-@_ bkmf % adf]lhd s'g} lgof{tstf{af6 k|fKt ePsf] lgj]bg a}sn] cfjZos hfFra'em ubf{

Joxf]/f dgfl;a b]v]df lghn] kfpg] cg'bfg /sd lgj]bg k|fKt ePsf] ldltn] ;ft lbg leq lghsf]

a}s vftfdf hDdf ul/lbg' kg]{5 .

-#_ pkbkmf -@_ adf]lhd a}s vftfdf /sd hDdf ubf{ lgof{tstf{sf] vftfdf ljb]zL d'b|f hDdf

ePsf] lbgsf] nflu g]kfn /fi6« a}sn] lgwf{/0f u/]sf] kl/jTo{ ljb]zL d'b|fsf] vl/b b/sf] cfwf/df

g]kfnL ?k}ofdf ?kfGt/0f u/L ;f]lx a/fa/sf] g]kfnL ?k}of hDdf ug'{ kg]{5 .

-$_ a}sn] pkbkmf -#_ adf]lhd lgof{tstf{nfO{ k|To]s dlxgf pknAw u/fPsf] cg'bfg /sdsf]

ljj/0f ;f] dlxgf ;dfKt ePsf] ;ft lbgleq g]kfn /fi6« a}snfO{ pknAw u/fpg' kg]{5 .

&= cg'bfg /sdsf] zf]wegf{ M -!_ bkmf ^ sf] pkbkmf -#_ adf]lhd lgof{tstf{sf] a}s vftfdf /sd

hDdf ul/;s]kl5 ;DalGwt a}sn] ;f] a/fa/sf] /sd zf]wegf{sf] nflu cg';"rL % adf]lhdsf]

9fFrfdf g]kfn /fi6« a}s ;dIf lgj]bg lbg' kg]{5 .

-@_ bkmf -!_ adf]lhd lgj]bg k|fKt ePdf g]kfn /fi6« a}sn] cfjZos hfFra'em u/L kGw| lbgleq

bkmf ^ sf] pkbkmf-!_ adf]lhd sf] vftfaf6 a}sn] zf]wegf{ dfu bfaL u/] adf]lhdsf] /sd

;DalGwt a}snfO{ zf]wegf{ ul/lbg' kg]{5 .

-#_ pkbkmf-@_ adf]lhd a}snfO{ zf]wegf{ u/]sf] /sdsf] ljj/0f g]kfn /fi6« a}sn] cy{ dGqfno /

dGqfnonfO{ dfl;s ?kdf pknAw u/fpg' kg]{5 .

*= ;ldltsf] u7gM -!_ cg'bfg k|bfg ug]{ ;DaGwL sfo{sf] cg'udg tyf d"NofÍg, ;dGjo Pjd\

l;kmfl/; ug{ dGqfnodf b]xfo adf]lhdsf] Ps ;ldlt /xg] 5 .

-s_;lrj,dGqfno-jfl0fHo tyf cfk"lt{_ –;+of]hs

-v_;x;lrj,cy{ dGqfno –;b:o

-u_;x;lrj,dGqfno-ax'kIfLo Jofkf/ tyf Jofkf/ ;xfotf dxfzfvf_ –;b:o

-3_dxflbg]{zs,eG;f/ ljefu –;b:o

-ª_ dxflgb]{zs, pBf]u ljefu – ;b:o

-r_ sfo{sf/L lgb]{zs,g]kfn /fi6« a}s-;DalGwt If]q x]g]{_ –;b:o

-5_cWoIf, g]kfn pBf]u jfl0fHo ;+3 –;b:o

-h_ cWoIf, g]kfn pBf]u kl/;+3 –;b:o

-em_ pk–;lrj, dGqfno -Jofkf/ gLlt tyf Jofkf/ ;xfotf zfvf_ –;b:o ;lrj

-@_ ;ldltsf] a}7s ;fdfGotof aif{sf] b'O{ k6s ;+of]hsn] tf]s]sf] ldlt, :yfg / ;dodf a:g]5 .

-#_ ;ldltsf] a}7ssf] sfo{ljlw ;ldlt cfkm}n] lgwf{/0f u/] adf]lhd x'g]5 .

-$_;ldltsf] ;lrjn] ;ldltsf] a}7ssf] lg0f{o ;+of]hsaf6 k|dfl0ft u/fO{ /fVg' kg]{5 .

(= ;ldltsf] sfd,st{Jo / clwsf/M ;ldltsf] sfd st{Jo / clwsf/ b]xfo adf]lhd x'g]5 M

-s_ cy{ dGqfnosf] ;xdltdf cg'bfg pknAw u/fpg] j:t' / cg'bfg lbg] /sdsf] k|ltzt lgwf{/0f

u/L :jLs[ltsf] nflu g]kfn ;/sf/ ;dIf k]z ug{ dGqfno ;dIf l;kmfl/; ug]{,

-v_ cg';"rL ! jf cg';"rL @ adf]lhd cg'bfg k|bfg ul/Psf j:t'sf] ;"rLdf yk36 ug{ dGqfno

;dIf l;kmfl/; ug]{,

-u_ o; sfo{ljlwsf] sfof{Gjog eP gePsf] ;DaGwdf lgoldt ?kdf cg'udg, d"NofÍg tyf ;dLIff

ug]{,

-3_ sfo{ljlw sfof{Gjog ug{ ;Da4 lgsfox¿ aLr ;dGjo ug]{ .

!)= vf/]hL / arfpM -!_ lgof{tdf gub k|f]T;fxg ;DaGwL sfo{lalw, @)&) vf/]h ul/Psf] 5 .

-@_ lgof{tdf gub k|f]T;fxg ;DaGwL sfo{ljlw,@)&) cg';f/ eP ul/Psf sfd sf/afxL o;}

sfo{ljlw adf]lhd eP u/]sf] dflgg]5 .

99

-#_ lgof{t gub k|f]T;fxg ;DaGwL sfo{ljlw, @)&) adf]lhd cg'bfg dfu e} k|lqmofdf /x]sf

lgj]bgx¿ ;f]xL sfo{ljlw cg';f/ km/kmf/v ul/g]5 .

100

cg';"rL÷!

-bkmf # sf] pkbkmf -!_ ;Fu ;DalGwt_

lgof{tdf cg'bfg k|bfg ul/g] j:t'x¿sf] ;"rL

qm=;+ lgof{t x'g] j:t'sf] gfd

! k|zf]lwt lrof

@ k|zf]lwt skmL

# x:tsnf / sfi7snfsf j:t'

$ k|zf]lwt 5fnf -qmi6_ / 5fnfhGo pTkfbgx¿

% xft] sfuh tyf ;f]af6 pTkflbt ;fdfg

^ k|zf]lwt h8La'6L tyf ;f/o'Qm t]n

& k|zf]lwt kTy/ tyf ;f/o'Qm t]n

* cNnf]af6 pTkflbt ;fdfgx¿

( k|zf]lwt lkpg] kfgL ÷ldg/n jf6/

!) k|zf]lwt j];f/

!! t/sf/L

!@ k'ik

!# k|zf]lwt dx

!$ k|zf]lwt cn}rL

!% k|zf]lwt cb'jf -;"7f], :nfOl8ª, t]n / kfp8/ nufot_

101

cg';"rL÷@

-bkmf # sf] pkbkmf -!_ ;Fu ;DalGwt_

lgof{tdf cg'bfg k|bfg ul/g] j:t'x¿sf] ;"rL

qm=;+= lgof{t x'g] j:t'sf] gfd

! :jb]zdf pTkflbt sk8f

@ tof/L kf]zfs

# un}+rf / pmgLsf ;fdfg

$ Rofª\u|f klZdgf tyf ;f]af6 pTkflbt ;fdfg

% :jb]zL k|zf]lwt h'6 tyf h'6sf pTkfbgx¿

^ ;'g, rfFbLsf u/uxgf

& :jb]zL cw{ k|zf]lwt 5fnf

* cf}ifwL

( km]N6 -pgLhGo_ sf j:t'x¿

!) kf]lni6/ ofg{ ÷kmfO{j/ leisf]if{ ofg{ ÷Pqm]lns ofg{ ÷ s6g ofg{

!! tfdfsf ;fdfg - x:tsnfsf ;fdfg,k'hfcfhfsf ;fdfg, ;hfj6sf ;dfg tyf

cGo efF8fs'F8f_

!@ h'Qf rKkn -km'6j]o/_

102

cg';"rL÷#

-bkmf $ sf] pkbkmf -@ / #_ ;Fu ;DalGwt_

==========pBf]u ÷lgof{tstf{÷lgof{t k|j4{g u[x

>L pBf]u ljefu============================.

ljifoM :j–3f]if0ffsf] ljj/0f

v08 –s

o;=========pBf]u÷lgof{tstf{÷lgof{t k|j4{g u[xaf6 cfly{s jif{========sf]=======cjlwdf b]xfo adf]lhdsf]

ljj/0f cg';f/sf] j:t'sf] lgsf;L u/]sf] Joxf]/f k|dfl0ft ul/G5 M–

-s_ lgof{ltt j:t'sf] gfdM

-v_ xfdf]{lgs sf]8M

-u_ k|zf]wg ul/Psf] sRrf j:t'M

-3_ lgof{t ePsf] kl/0ffd / d"NoM

-ª_ ;t k|ltzt :jb]zL sRrf kbfy{ pkof]u eP÷gePsf] M

-r_ j:t'sf] d"No clej[l4 k|ltztM

-5_ pTkfbgstf{÷lgof{tstf{n] k|ToIf /f]huf/L lbOPsf] ;+VofM

-h_ lgof{ltt j:t'sf] :jb]z / ljb]zdf ;+o'Qm 6«]8dfs{ btf{ eP ÷ gePsf] M

-em_ lgof{tstf{sf] ut #-tLg_ jif{sf] lgof{t pknlAwsf] :t/

qm=;+ cf=j=-s_ lgof{tsf]

kl/df0f -?=nfvdf_-v_

! cfwf/ jif{ ===================

@

#

cfwf/ jif{sf] t'ngfdf ut tLg cfly{s jif{sf] ;/b/ lgof{t j[l4===============k|ltzt

lgof{tstf{sf] clws[t JolQmsf] b:tvtM

gfd / y/M

bhf{M

103

v08 v

g]kfn ;/sf/

pBf]u jfl0fHo tyf cfk"lt{ dGqfno

pBf]u ljefu

>L========================================a}+s

pk/f]Qmfg';f/sf] 3f]if0ffaf6 d"No clea[l4 ;d]tsf] zt{ k'/f u/]sf] b]lvPsf] Joxf]/f k|dfl0ft ul/G5 .

k|dfl0ft ug]{ clws[tsf] b:tvtM

gfd / y/M

kbM

a]fwfy{M

>L===============================lgof{tstf{ .

104

cg';"rL–$

-bkmf % sf] pkbkmf -!_ ;Fu ;DalGwt_

cg'bfg /sd k|fKt ug{ lbg] lgj]bgsf] 9fFrf

>L ===================a}+s,

============================.

ljifoM lgof{tdf gub cg'bfg af/] .

dxf]bo,

lgof{tstf{ ===================n] =============d'n'sl:yt >L=================-vl/bstf{sf] gfd_ nfO{ To; a}+s

dfkm{t ============-;fdfgsf] gfd_ lgsf;L u/L v'b kl/jTo{ d'›f ========-d'›fsf] gfd _==========cfh{g u/L

ldlt=========df o; a}+ssf] vftf g+= ==================df hDdf eO{ e'QmfgL k|fKt u/]sf] / ;f] ljb]zL d '›fsf]

g]kfn /fi6« a}+såf/f lgwf{l/t k|rlnt ljlgdo b/ cg';f/ sfod ePsf] s'n g]kfnL ?k}+ofF ==============

==========sf] ============== k|ltztn] x'g] gub cg'bfg ?= ===============o; pBf]usf] gfddf /x]sf] To; a}+sl:yt

vftf g+= ========== df hDdf ul/lbg' x'g tkl;n adf]lhdsf] ljj/0f tyf sfuhft ;lxt cg'/f]w u/]sf] 5'÷

u/]sf 5f}+ .

o;df pNn]v ePsf ljj/0f km/s k/]df jf em'6f 7xl/Pdf k|rlnt sfg'g adf]lhd ;xg] a'emfpg]

5'÷5f}F .

tkl;nM

!= pBf]u btf{,cfoft—lgof{t cg'dltkq / :yfoL n]vf gDa/ btf{sf] k|df0fkqsf] k|dfl0ft k|ltlnlk,

@= lgof{t u/]sf] j:t'sf] Jofkfl/s lan lahs / eG;f/ k|1fkgkq

#= ljefuaf6 k|fKt cg';"rL—# adf]lhdsf] lgof{t k|df0fkq,

$= ljb]zL d'›f a}+s bflvnf ePsf] k|df0f k'Ug] sfuhft, a}+s :6]6d]06

%= kl5Nnf] cfly{s jif{sf] s/ r'Qmf u/]sf] k|df0fkq .

ejbLo,

lgof{tstf{ jf lghsf] k|ltlglwsf] b:tvtM

lgof{tstf{ jf lghsf] k|ltlglwsf] gfdM

lgof{tstf{sf] gfdM

;Dks{ 7]ufgf M

;Dks{ 6]lnkmf]g g+=

lgof{tstf{ sDkgL jf ;+:yfsf] 5fkM

105

cg';"rL÷%

-bkmf & sf] pkbkmf -!_ ;Fu ;DjlGwt_

>L g]kfn /fi6« a}+s,

ljb]zL ljlgdo Joj:yfkg ljefu,

afn'jf6f/, sf7df08f}+ .

ljifoM cg'bfg /sd zf]wegf{ af/] .

dxfzo,

To; ljefusf] Ohfht k|fKt kl/kq ;+Vof =========df ePsf] k|lqmof tyf sfo{ljlw cg'?k tkl;n

adf]lhd lgof{t ePsf] Joxf]/f k|dfl0ft ub}{ ;f] lgof{t afkt pknAw u/fOPsf] cg'bfg afkt ldlt

============df e'QmfgL lbPsf] hDdf ? ========================-cIf/]kL ==============================================_ sf]

zf]wegf{ To; a}+sdf /x]sf] o; a}+ssf] vftf g+= =====================df hDdf x'g] u/L pknAw u/fO{ lbg' x'g

cg'/f]w ub{5f}+ . ;fy}, o; zf]wegf{ dfu ul/Psf sfuhftx¿af6 o; cl3 s'g} zf]wegf{ dfu gul/Psf]

Joxf]/f ;d]t cg'/f]w ub{5f}+ .

qm=;= lgof{tstf{

lgof{t ePsf] lgof{t e'QmfgL k|fKt

;+s]t g

-PlShd

sf]8 g+_

gfd

kl/df0f

j:t'

b]z

dfWod

gDa/

d"No

-ljb]zL

d'›fdf_

ldlt

/sd

lj=d'=

g]kfnL

?k}+of

d"No

-Pkm=cf]=

la=_

-ljb]zL

d'›fdf_

ljlgdo

b/

;f]wegf{ x'g'kg]{ hDdf /sd ?=============================== cIf/]kL========

;+nUgM lgof{t afkt kl/jTo{ ljb]zL d'›f hDdf ePsf] k|dfl0ft a}+s :6]6d]06

lgj]bs a}+ssf] gfdM

7]ufgfM

b:tvtM

k|aGwssf] gfdM

ldltM

106

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M)&÷@)&^

kl/jTo{ ljb]zL d'b|f ;6xL ;DaGwL Joj:yf .

kl/jTo{ ljb]zL d'b|f ;6xL ;DaGwdf b]xfo adf]lhd Joj:yf ul/Psf] x'Fbf ljb]zL ljlgdo -lgoldt ug]{_ P]g,

@)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6« a}+s, a}lsË sfof{no nufot cGo sfof{no /

Ohfhtkqk|fKt æsÆ / /fli6«o :t/sf ævÆ ju{sf ljsf; a}+s tyf Ohfhtkqk|fKt dlgr]~h/x¿nfO{ of]

kl/kq hf/L ul/Psf] 5 .

!= /fxbfgL afktsf] ;6xL ;'ljwf ;DaGwL Joj:yf M

-s_ lghL tyf cf}krfl/s tj/n] ljb]z e|d0fdf -ef/t afx]s_ hfg] g]kfnL gful/sx¿nfO{ g]kfn

;/sf/n] hf/L u/]sf] j}w /fxbfgL / sGkmD8{ xjfO{ l6s6sf] cfwf/df tf]lsPsf a}+s÷ljQLo

;+:yf÷Ohfhtkqk|fKt lgsfox¿n] ;6xL ;'ljwf lbg'kg]{5 .

-v_ /fxbfgL ;'ljwf afkt kfpg] ;6xL /sd M

-!_ ef/t afx]s cGo d'n'sx¿sf] e|d0fdf hfg] g]kfnL gful/sx¿nfO{ /fxbfgL jfkt k|lt

k6s cd]l/sL 8n/ !,%)).– jf ;f] a/fa/sf] kl/jTo{ ljb]zL d'b|f;Dd ;6xL ;'ljwf lbg

;lsg]5 .

-@_ cnUu} /fxbfgL glnO{ cleefjssf] ;fydf hfg] s]6fs]6Lx¿nfO{ clwstd cd]l/sL 8n/

%)).– -kfF+r ;o_ ;Dd ;6xL lbg ;lsg]5 .

-#_ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 >d :jLs[lt lnO{ j}b]lzs /f]huf/Ldf hfg] g]kfnL

gful/snfO{ /fxbfgL afkt clwstd cd]l/sL 8n/ @)).– -b'O{ ;o_ ;Dd dfq ;6xL

;'ljwf pknJw u/fpg' kg]{5 .

-$_ g]kfn ;/sf/n] hf/L u/]sf] ofqf cg'dtLkq (Travel Document) sf] cfwf/df ljb]z

e|d0fdf hfg /fxbfgL ;'ljwf dfu eO{ cfPdf To:tf AolQmx¿nfO{ cd]l/sL 8n/

!,))).– ;Ddsf] ;6xL ;'ljwf k|bfg ug'{kg]{5 .

t/, cfk|jf; le;f (Immigrant Visa, Visa Highly Skilled Migrant Programme, Visa Settlement-

AF, Permitted to remain in Australia Indefinitely Visa / Diversity Visa k|fKt u/L ;DalGwt

b]zdf hfg] JolQmnfO{ klxnf] k6s dfq of] ;6xL ;'ljwf pknAw u/fpg ;lsg]5 .

-u_ :yndfu{af6 lghL e|d0fdf hfFbf kfpg] ;6xL ;'ljwf M

-!_ :yndfu{af6 rLgsf] :jzflzt If]q ltJjt -lgodfg';f/ ;Ldf cf]xf]/ bf]xf]/ ug]{ JolQmx¿

afx]s_ / ;fs{ d'n'sx¿ -ef/t jfx]s_ df lghL e|d0fdf hfg] JolQmx¿nfO{ ;DalGwt

b]zsf] k|j]zf1f (Visa) ePdf Ps k6sdf a9Ldf cd]l/sL 8n/ %)).–-kfFr ;o_ ;Dd /

Ps cfly{s jif{df a9Ldf cd]l/sL 8n/ !,))).–-Ps xhf/_ ;Ddsf] ;6xL ;'ljwf

pknAw u/fpg ;lsg]5 .

@_ o;/L] ;6xL k|bfg ubf{ :yndfu{af6 e|d0f ug]{ JolQmx¿ / ;fs{ b]zx¿ -ef/tafx]s_

nufot Entry Point df k|j]zf1f lbg] b]zx¿df e|d0f ug]{ g]kfnL gful/sx¿sf] xsdf

/fxbfgLdf b/kL7 u/L ;6xL ;'ljwf pknAw u/fpg] lgsfosf] clws[tn] b:tvt u/L

;+:yfsf] 5fk ;d]t nufpg' kg]{5 .

107

-3_ gk'u ;6xL ;'ljwfsf] nflu lgj]bg lbg ;lsg] M

syd\sbflrt o; kl/kqdf ePsf] Joj:yf adf]lhd k|fKt x'g] ;6xL ;'ljwf gk'u x'g uO{ a9L

/sd cfjZos k/]df cfˆgf] Kofg gDa/ / /sd gk'u x'gfsf] sf/0f ;lxt o; ljefudf

lgj]bg u/]df cf}lrTosf] cfwf/df cfjZostfg';f/ ;6xL ;'ljwf lbg ;lsg]5 .

-ª_ Jofkf/ k|j4{gsf] nflu ;6xL ;'ljwf M

ljb]z -ef/t afx]s_ df Joj;fo k|j4{g, Jofkf/ d]nf, Jofkf/ uf]i7Ldf hfg] g]kfnL

gful/snfO{ /fxbfgL afkt k|lt k6s cd]l/sL 8n/ %,))).– ;Ddsf] ;6xL ;'ljwf Jofkf/

k|j4{gsf] sfo{qmdaf6 x'g] pknlJw tyf efu lng hfg' kg]{ sf/0f ;lxtsf] lgj]bg lnO{ ;6xL

;'ljwf k|bfg ug{ ;lsg] 5 .

-r_ ;6xL ;'ljwfsf] ;xL pkef]u x'g' kg]{ M

/fxbfgL afktsf] ;6xL ;'ljwf klxnf klg pkef]u ul/;s]sf JolQmx¿sf] xsdf lgh cl3Nnf]

k6s o:tf] ;6xL ;'ljwf lnP/ p2]Zo adf]lhd ljb]z ofqf u/]sf] ePdf dfq csf]{ k6s ;6xL

;'ljwf k|bfg ug'{ kg]{5 .

-5_ cf}krfl/s e|d0fdf clwstd ;Ldf nfu' gx'g] M

lghL e|d0fdf afx]s ;/sf/L lgsfo tyf ;fj{hlgs ;+3, ;+:yf, Ohfhtkqk|fKt a}+s tyf

ljQLo ;+:yf jf cGo cf}krfl/s -tflnd, uf]i7L, a}7s, g]kfn ;/sf/sf] tkm{af6 ul/g] e|d0f,

o; a}+saf6 :jLs[t e|d0f_ ljb]z -ef/t afx]s_ e|d0fdf hfg] JolQmx¿sf nflu dfly v08 -

v_ / v08 -u_ adf]lhdsf] qmdzM cd]l/sL 8n/ !%)).– -Ps xhf/ kfFr ;o dfq_ /

cd]l/sL 8n/ %)).– -kfFr ;o_ sf] ;Ldf nfu' x'g] 5}g .

-h_ sGkmD8{ xjfO{ l6s6sf] JofVof M

sGkmD8{ xjfO{ l6s6 eGgfn] g]kfn jf ef/tb]lv ofqf z'¿ x'g] u/L hf/L ePsf] sGkmD8{ xjfO{

l6s6nfO{ dfq hgfpF5 . o;}ul/ ljb]zaf6 g]kfn cfO{ k'gM ljb]z hfg] u/L hf/L ePsf] bf]xf]/f]

sGkmD8{ l6s6 ePsf JolQmx¿sf] xsdf ;d]t ;f] l6s6 o; k|of]hgsf] nflu pkof]u ug{

;lsg] 5 .

-em_ ;6xL afkt gubdf kfpg] /sd M

Ohfhtkqk|fKt ;DalGwt a}+s÷ljQLo ;+:yf÷lgsfox¿;Fu /x]sf] gub ljb]zL d'b|fsf]

;l~rltnfO{ ;d]t b[li6ut u/L a9Ldf cd]l/sL 8n/ %)).– -kfFr;o_ ;Dd gubdf ;6xL

pknJw u/fpg ;lsg]5 . ;f] eGbf a9Lsf] gub ;6xL lbg'k/]sf] v08df cf}lrTosf] cfwf/df

;DalGwt a}+s÷ljQLo ;+:yf÷Ohfhtkqk|fKt lgsfosf] sfof{no k|d'vn] :jLs[lt lbPdf To:tf]

;6xL k|bfg ug{ ;lsg]5 . tf]lsPsf] ;Ldf;Ddsf] afFsL /sd ljb]zL d'b|fsf] 8]lj6 sf8{,

qm] ]l86 sf8{, lk|k]8 sf8{, 8«fˆ6, cfbL h:tf pko'Qm a}+lsË pks/0f dfkm{t ;6xL lbg'kg]{ 5 .

o:tf] a}+lsª pks/0f ;DalGwt /fxbfgL jfxssf] gfddf dfq hf/L ug{'kg]{5 .

-`_ /fxbfgL afkt ;6xL ;'ljwf lbFbf ckgfpg' kg]{ cGo k|lqmofx¿ M

-!_ /fxbfgL afktsf] ;6xL ;'ljwf k|bfg ubf{ o;};fy ;+nUg cg';"rL &=! cg';f/sf] lgj]bg

kmf/fd e/fO{ lng' kg]{5 .

-@_ /fxbfgL ;'ljwf afkt ;6xL dfu ug{ cfpg] lgj]bsx¿af6 sGkmD8{ xjfO{ l6s6 tyf

gfd, 7]ufgf / kmf]6f] ;d]t ePsf] Pjd\ clu|d le;f cfjZos kg]{ cj:yfdf le;f k|fKt

/fxbfgLsf] k[i7sf] 5ljlrq (Photocopy) clgjfo{?kdf k]z ug{ nufpg' kg]{5 . tL

5ljlrqx¿ ;Ssn k|lt;Fu le8fO{ b'?:t ePdf dfq ;6xL ;'ljwf k|bfg ug'{ kg]{5 .

-#_ lgodfg';f/ ;6xL ;'ljwf lnO{;s]sf JolQmsf] e|d0f sfo{qmd kl/jt{g eO{ klxn]sf] xjfO{

l6s6 /4 u/L gofF xjfO{ l6s6 lng' k/]sf] cj:yfdf klxn]sf] xjfO{ l6s6df c+lst

108

u/]sf] ljb]zL d'b|f ;6xL /sd cfjZos k|df0f /fvL Ohfhtkqk|fKt ;DalGwt lgsfon]

g} gofF xjfO{ l6s6df c+lst ul/lbg' kg]{5 .

-$_ o;/L ;6xL pknJw u/fPsf] ldlt / /sd /fxbfgLsf] ;DalGwt v08df clgjfo{ ¿kdf

pNn]v u/L o:tf] ;6xL pknJw u/fpg] Ohfhtkqk|fKt lgsfosf] ;DalGwt clws[tn]

b:tvt u/L 5fk ;d]t nufpg' kg]{5 . ;fy}, pko{'Qm sfuhftsf] 5ljlrq (Photocopy)

clen]vsf nflu ;'/lIft /fVg' kg]{5 .

-6_ ;6xL k|bfg ug]{ lgsfox¿ M

-!_ Ohfhtkqk|fKt a}+s÷ljQLo ;+:yf÷lgsfox¿af6 dfq o:tf] ;6xL ;'ljwf k|bfg ug{

ldNg]5

-@_ ;Da}wflgs lgsfo tyf g]kfn ;/sf/sf sd{rf/Lx¿sf] ;fy;fy} o; a}+ssf

sd{rf/Lx¿sf] nflu /fxbfgL afktsf] lgodfg';f/ kfpg] ;6xL ;'ljwf o; a}+ssf a}lsË

sf/f]jf/ ug]{ sfof{nox¿af6 k|bfg ug{ ;lsg] 5 .

-#_ v08 -6_ @ afx]ssf cGo JolQmx¿sf] /fxbfgL k|of]hgsf] ;6xL ;'ljwf nufot cGo

;6xL ;'ljwf o; a}+ssf a}+lsË sf/f]jf/ ug]{ sfof{nox¿af6 k|bfg ug{ ;lsg] 5}g .

-$_ syd\sbflrt v08 -6_ @ afx]ssf cGo JolQmx¿nfO{ /fxbfgL afktsf] ;6xL ;'ljwf

k|bfg ug'{ kg]{ cj:yf cfO{k/]df tyf JolQmx¿n] ljleGg ;|f]taf6 k|fKt u/L ljqmL ug{

NofPsf] ljb]zL d'b|f o; a}+ssf a}lsË sf/f]jf/ ug]{ sfof{nox¿af6 vl/b÷ljqmL ug'{

k/]df cf}lrTosf] cfwf/df sfof{no k|d'vsf] lnlvt :jLs[ltaf6 dfq To:tf] sf/f]jf/ ug{

;lsg] 5 .

-7_ sf/f]jf/sf] ljj/0f k]z ug'{ kg]{ M

-!_ /fxbfgL / Jofkf/ k|j4{g afktsf] ;6xL ;'ljwf ;DaGwL k|To]s dlxgfsf] sf/f]jf/sf]

dfl;s ljj/0f Ohfhtkqk|fKt lgsfosf] s]Gb|Lo÷skf]{/]6 sfof{non] PsLs[t u/L dlxgf

;dfKt ePsf] !% -kGw|_ lbgleq qmd;M ;+nUg cg';"rL &=@ / cg';"rL &=# adf]lhdsf]

kmf/fd o; ljefudf clgjfo{ ¿kdf k]z ug'{ kg]{5 .

-@_ o:tf] ljj/0f k]z gug]{ a}+s÷ljQLo ;+:yf÷Ohfhtkqk|fKt lgsfonfO{ k|bfg ul/Psf]

Ohfht /2 x'g ;Sg]5 .

@= kl/jTo{ ljb]zL d'b|f cfh{g gePsf lgsfon] tflnd, uf]i7L, a}7s cflb e|d0fdf hfFbf kfpg] ;6xL

;'ljwf ;DaGwL Joj:yf M

kl/jTo{ ljb]zL d'b|f vftf gePsf b]xfodf plNnlvt lgsfosf kbflwsf/Lx¿ cfˆgf] sfof{nosf]

sfdsf] l;nl;nfdf ef/tafx]s cGo d'n'sx¿sf] e|d0fdf hfFbf Ohfhtkqk|fKt æsÆ / ævÆ ju{sf

Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx¿n] ljb]zL ljlgdo ;6xL ;'ljwf lgDgfg';f/ k|bfg ug{ kg]{5

.

-s_ a}+s, ljQLo ;+:yf, ;/sf/L ;+:yfgx¿ / ;/sf/L tyf cw{ ;/sf/L ;+3÷;+:yfx¿n] cfkm\gf

kbflwsf/Lx¿nfO{ ljb]zdf tflnd, uf]i7L, a}7s cflb e|d0fdf k7fpgsf lgldQ ljb]zL d'b|f

;6xL ;'ljwfsf nflu lnlvt cg'/f]w u/]df dfu adf]lhd ;6xL pknAw u/fpg ;lsg]5 .

-v_ pko'{Qm adf]lhd kl/jTo{ ljb]zL d'b|f pknAw u/fpFbf ;DalGwt e|d0fstf{sf] sGkmD8{ xjfO{

l6s6, j}w /fxbfgL / le;f cfjZos kg]{ eP le;f nfu]sf] k|df0f lnO{ ;6xL lnPsf] /sd

/fxbfgLsf] ;DalGwt v08df clen]v u/L clws[tsf] b:tvt tyf a}+s÷ljQLo ;+:yfsf] 5fk

nufO{ lbg'kg]{5 .

109

#= kl/jTo{ ljb]zL d'b|f cfh{g ePsf lgsfon] tflnd, uf]i7L, a}7s cflb e|d0fdf hfFbf kfpg] ;6xL

;'ljwf ;DaGwL Joj:yf .

lgof{t tyf ko{6g If]qaf6 kl/jTo{ ljb]zL d'b|f cfh{g u/L vftf vf]ln/x]sf lgsfox¿ Pjd\ vftf

vf]Ng u|fXo ePsf t/ gvf]n]sf lgsfosf kbflwsf/Lx¿ cfˆgf] sfof{nosf] sfdsf] l;nl;nfdf ef/t

afx]s cGo d'n'sx¿sf] e|d0fdf hfFbf Ohfhtkqk|fKt æsÆ / ævÆ ju{sf Ohfhtkqk|fKt a}+s tyf

ljQLo ;+:yfx¿n] ljb]zL ljlgdo ;6xL ;'ljwf lgDgfg';f/ k|bfg ug]{ Joj:yf ul/Psf] 5 .

-s_ lgof{t tyf ko{6g If]qsf] cfh{gaf6 kl/jTo{ ljb]zL d'b|f vftf ePsf lgsfox¿nfO{ cfˆgf]

Jofkf/ k|j4{gsf] l;nl;ndf s'g} kbflwsf/LnfO{ ljb]z e|d0f -ef/t afx]s_ df k7fpg' k/]df

;+nUg cg';"rL &=$ Dff tf]lsP adf]lhd ;DalGwt lgsfosf] ljb]zL d'b|f vftf vr{ x'g] u/L

;6xL ;'ljwf pknJw u/fpg] . o;/L e|d0f vr{sf] e'QmfgL k|bfg ubf{ ;DalGwt lgsfosf]

vftfdf ;f] e|d0fsf nflu cfjZos x'g] df}Hbft /sd x'g'kg]{ 5 . t/, cfjZos df}Hbft /sd

gePsf] v08df cg';"rL &=% adf]lhdsf] ;6xL ;'ljwf dfq pknJw u/fpg' kg]{5 .

-v_ lgof{t tyf ko{6g If]qaf6 kl/jTo{ ljb]zL d'b|f cfh{g ePsf t/ vftf gePsf lgsfox¿nfO{

cfˆgf] Jofkf/ k|j4{gsf] l;nl;ndf s'g} kbflwsf/LnfO{ ljb]z e|d0f -ef/t afx]s_ df k7fpg'

k/]df ;+nUg cg';"rL &=% Dff tf]lsP adf]lhd ;6xL ;'ljwf pknJw u/fpg ;lsg] 5 . dfly

pNn]v u/] cg';f/sf] ;6xL ;'ljwf dfu ubf{ cf–cfˆgf] ljb]zL d'b|f cfh{g hDdf u/L cfPsf

a}+s÷ljQLo ;+:yfsf zfvfx¿ dfkm{t g} dfu ug'{ kg]{5 .

-u_ dfly h];'s} n]lvPsf] ePtfklg ;DalGwt lgsfon] rfn' cfly{s jif{ jf cl3Nnf] cfly{s jif{df

cfh{g u/]sf] ljb]zL d'b|f /sdeGbf a9Lsf] ;6xL ;'ljwf k|bfg ug{ ldNg] 5}g .

-3_ s'g} cfly{s jif{sf] klxnf] ^ dlxgf leq ljb]zL d'b|f cfh{g eO{ g;s]sf] t/ ljb]z e|d0fdf

hfg' k/]sf] cj:yfdf cl3Nnf] cfly{s jif{df kfpg ;Sg] ;6xL ;'ljwfsf] clwstd ;Ldf k"/}

k|of]u gul/;s]sf] cj:yf /x]5 eg] To:tf] afFsL ;'ljwf rfn' cfly{s jif{sf] klxnf] cw{jflif{s

cjlw ;Ddsfnflu klg k|of]u ug{ ;lsg]5 . t/, o;/L k|of]u ul/Psf] ;'ljwf pQm rfn'

cfly{s jif{df cfh{g ePsf] ljb]zL d'b|f cGtu{tsf] ;'ljwfdf lx;fj ldnfg ug'{kg]{5 / k|ltjif{

tf]lsPsf] clwstd\ ;6xL ;'ljwf ;Ldf gf3]sf] x'g'x'Fb}g .

-ª_ o; kl/kq adf]lhd a}+s÷ljQLo ;+:yfn] e|d0fstf{nfO{ kl/jTo{ ljb]zL d'b|f pknAw u/fpFbf

cg';"rL &=^ adf]lhdsf] kmf/fd e/fpg' kg]{5 . ;fy}, pQm kmf/fdsf] tNnf] efudf a}+s÷ljQLo

;+:yfn] pknAw u/fPsf] ;6xL ;'ljwfsf] b/kL7 u/fO{ ;f]sf] clen]v /fVg' kg]{5 .

-r_ pko'{Qm adf]lhd kl/jTo{ ljb]zL d'b|f pknAw u/fpFbf ;DalGwt e|d0fstf{sf] sGkmd{8 xjfO{

l6s6 / j}w /fxbfgL x]/L xjfO{ l6s6df pknJw u/fPsf] /sd b/kL7 u/L clws[tsf] b:tvt

tyf a}+s÷ljQLo ;+:yfsf] 5fk nufpg' kg]{5 .

$= cGt/f{li6«o ;+3÷;+:yfx¿n] ef/tdf kl/jTo{ ljb]zL d'b|fdf e'QmfgL ug]{ ;DaGwL Joa:yf M

g]kfnsf a}+s÷ljQLo ;+:yfx¿df kl/jTo{ ljb]zL d'b|fsf] vftf ePsf cGt/f{li6«o ;+3÷;+:yf÷lgof]u÷

sfof{no cflbn] ;]jf z'Ns nufot cGo ljleGg k|of]hgsf] nflu ef/tdf kl/jTo{ ljb]zL d'b|fdf g}

e'QmfgL ug'{k/]df k|rlnt lgodfg';f/sf] s/ bflvnf u/]sf] lg:;f lnO{ ;DalGwt a}+s÷ljQLo

;+:yfx¿n] tL sfof{nox¿sf] kl/jTo{ ljb]zL d'b|f vftf vr{ u/L To:tf] e'QmfgL ug{ ;Sg] 5g\ .

%= le;f afkt ;+slnt g]kfnL ?k}+ofsf] ;6xL ;'ljwf ;DaGwL Joj:yf M

g]kfnl:yt ljb]zL /fhb'tfjf;÷lgof]ux¿n] le;f b:t'/ afkt ;+sng u/]sf] g]kfnL ?k}ofF a/fj/sf]

ljb]zL d'b|f cfˆgf] /fi6«df k7fpg' kbf{ ;DalGwt ljb]zL /fhb'tfjf;÷lgof]usf] cflwsfl/s cg'/f]w

110

kqsf] cfwf/df ;DalGwt a}+sn] o:tf] ;6xL pknAw u/fpg ;Sg]5 . o:tf] ;6xLsf] ljj/0f dlxgf

;dfKt ePsf] !% lbg leq clgjfo{ ?kdf o; ljefunfO{ pknJw u/fpg' kg]{5 .

^= lgof{tstf{x¿nfO{ zfvf÷;Dks{÷k|bz{g sIf h:tf sfof{nosf] nflu ;6xL ;'ljwf pknJw u/fpg]

;DaGwL Joj:yf .

j:t' tyf ;]jf lgof{t ug]{ lgof{t Joj;foLn] lgof{t k|j4{gsf] nflu ljb]zdf zfvf÷;Dks{÷k|bz{g

sIf h:tf sfof{no vf]Ng] tyf ljqmLaf6 p7]sf] /sd hDdf ug]{ k|of]hgsf nflu ljb]zdf vftf vf]Ng

rfx]df ;DalGwt lgodgsf/L lgsfosf] l;kmfl/;df b]xfo adf]lhdsf] Joj:yf tyf zt{sf] clwgdf

/xL o; a}+ssf] k"j{ :jLs[ltdf ;f]sf] nflu cfjZos ljb]zL d'b|fsf] ;6xL ;'ljwf pknJw x'g] Joj:yf

ul/Psf] 5 .

-s_ lgj]bs lgof{t Joj;fodf ;+nUg x'b} cfO/x]sf] jf lgof{t ug]{ 7f]; of]hgf ePsf] jf ko{6g

Joj;fo jf ;]jf lgof{t ;DaGwL Joj;fodf ;+nUg /x]sf] lgsfo x'g'kg]{ 5 .

-v_ ljb]zdf o;/L zfvf÷;Dks{÷k|bz{g sIfh:tf sfof{no :yfkgf ubf{ ;DalGwt d'n'ssf]

k|rlnt sfg"gsf] kfngf ug'{ kg]{5 .

-u_ of] Joj:yf cGtu{tsf] ;6xL ;'ljwf ljb]zdf zfvf÷;Dks{÷k|bz{g sIfh:tf sfof{no vf]Ng]

tyf ;f]sf] ;~rfng÷Joj:yfkgsf nflu dfq pknJw x'g]5 .

-3_ ;6xL dfu ubf{ ;fnj;fnL ug'{ kg]{ vr{ / z'?df ;+:yfkgfsf] nflu s] slt /sd cfjZos

kg]{ xf], ;f]sf] lj:t[t ljj/0f ;+nUg ug'{ kg]{5 . o:tf] ljj/0f k]z ubf{ gofF Joj;fosf]

xsdf cfufdL # -tLg_ jif{sf] / ;~rfngdf /xL /x]sf] Joj;fosf] xsdf laut # -tLg_

jif{sf] oyfy{ / cfufdL # -tLg_ jif{sf] cg'dflgt sf/f]jf/sf] ljj/0f k]z ug'{ kg]{5 .

-ª_ ;DalGwt lgof{tstf{x¿n] ;DalGwt d'n'sdf ljqmLaf6 p7]sf] /sd ;f]xL d'n'sdf vftf

vf]nL hDdf ug{ ;Sg] 5g\ / o:tf] vftf ;~rfng ;DaGwdf o; a}+saf6 ;do ;dodf

hf/L ePsf] kl/kqdf plNnlvt Joj:yfx¿sf] kfngf ug'{ kg]{5 . o;/L ljqmLaf6 k|fKt

ljb]zL d'b|f k|To]s # -tLg_ dlxgfdf a}lsË k4ltdfkm{t g]kfndf k7fpg' kg]{5 .

-r_ ljqmL tyf k|bz{g sIf vf]Ng] lgof{tstf{x¿sf] xsdf g]kfnaf6 k|rlnt sfo{ljlw k"/f u/L

nu]sf] ;fdfg / tL ;fdfgx¿sf] ljqmLaf6 p7]sf] /sdx¿sf] lx;fj k|To]s ^ dlxgfdf o;

ljefu nufot ;DalGwt lgodgsf/L lgsfox¿nfO{ lbg' kg]{5 .

-5_ o;/L vf]lnPsf] ;Dks{ sfof{no / ljqmL tyf k|bz{g sIfaf6 k|fKt kmfObf Pjd\ nfut

;DaGwL ljj/0f k|To]s cfly{s jif{ ;dfKt ePsf] a9Ldf # dlxgfleq n]vfk/LIfsaf6

k|dfl0ft u/fO{ o; ljefudf k]z ug'{ kg]{5 .

-h_ ;DalGwt d'n'ssf] k|j]zf1f -le;f_ ;DaGwL ;Dk"0f{ sfo{ ;DalGwt pBdL÷Joj;foLn] g} ug'{

kg]{5 .

-em_ ljb]zL d'b|f cfh{g ul//x]sf lgsfox¿sf] xsdf ;fnj;fnL vr{ afkt dfu ePsf] /sd

cl3Nnf] cfly{s jif{sf] ljb]zL d'b|f cfh{gsf] a9Ldf % -kfFr_ k|ltztsf] ;Ldfleq /xg'

kg]{5 .

-`_ ljb]zL d'b|f cfh{g ul/g;s]sf lgsfox¿sf] xsdf lghx¿n] k]z u/]sf] cg'dflgt sf/f]jf/

ljj/0fsf] cfwf/df klxnf] jif{sf] nflu dfly v08 -em_ df pNn]v eP adf]lhdsf] ;6xL

;'ljwf pknJw u/fpg ;lsg]5 .

111

&= j}b]lzs /f]huf/ Joj;foLx¿nfO{ ;6xL ;'ljwf k|bfg ug]{ ;DaGwL Joj:yf M

ljlwjt btf{ eO{ sfo{ ug{ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 Ohfhtkqk|fKt u/]sf j}b]lzs

/f]huf/ Joj;foLx¿nfO{ le;f z'Ns, sld;g cflb e'QmfgL ug{]{ k|of]hgsf] nflu cfjZos kg]{ ljb]zL

d'b|fsf] ;6xL ;'ljwf pknJw u/fpg] ;DaGwdf b]xfo adf]lhdsf] Joj:yf ul/Psf] 5 .

-s_ a}b]lzs /f]huf/ Joj;foLx¿n] j}b]lzs /f]huf/Ldf hfg] g]kfnL gful/ssf] le;f cfk}m ldnfO{

lbg] k|of]hgsf] nflu cfjZos kg]{ ljb]zL d'b|fsf] nflu b]xfosf] k|s[of k"/f u/L ;6xL ;'ljwf

k|bfg ug{ ;lsg]5 M

-!_ ljb]zl:yt /f]huf/bftf lgsfodf /f]huf/Ldf k7fpg g]kfn ;/sf/sf] ;DalGwt

lgsfoaf6 :jLs[lt ePsf] cflwsfl/s sfuhftsf] k|ltlnlk k]z ug'{ kg]{5 .

-@_ j}b]lzs /f]huf/df hfg g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 :jLs[lt k|fKt u/]sf

g]kfnL gful/ssf] j}w /fxbfgLsf] k|ltlnlk k]z ug'{ kg]{5 .

-#_ ljb]zl:yt /f]huf/bftfaf6 /f]huf/L lbg] ;DaGwdf k|fKt cflwsfl/s sfuhftsf]

k|ltlnlk k]z ug'{ kg]{5 .

-$_ o; Joj:yf adf]lhd ;6xL ;'ljwf pknJw u/fpg] ljb]zL d'b|f le;f b:t'/ ltg]{

k|of]hgsf] nflu dfq pkof]u x'g] ;'lglZrt ug'{ kg]{5 .

-%_ le;f b:t'/ /sd ;DalGwt d'n'ssf] le;f k|bfg ug]{ cflwsfl/s lgsfosf] gfddf dfq

pknJw u/fpg' kg]{5 .

-^_ o:tf] /sd ;DalGwt d'n'sn] Joj:yf u/]sf] j]j;fO6 k|of]u u/L O06/g]6 dfk{mt

On]S6«f]lgs k]d]06 sf8{ k|of]u u/]/ ;d]t e'QmfgL ug{ ;lsg]5 . o;/L ul/Psf] k|To]s

e'QmfgLsf] Receipt ;f] j]j;fO6af6 lk|06 u/L clen]vsf] nflu ;'/lIft /fVg' kg]{5 .

-&_ j]j;fO6 dfk{mt ul/g] e'QmfgL j}b]lzs /f]huf/ Joj;foL cfk}mn] OG6/g]6 dfk{mt ug{

rfx]df dfly v08 -!_,-@_ / -#_ df pNn]v ul/Psf sfuhft / v08 -$_,-%_ / -^_ df

ul/Psf] Joj:yf kfngf x'g' kg]{ zt{df k|lt sfdbf/ nfUg] le;f z'Nssf] b/n] x'g] s'n

ljb]zL d'b|fsf] ;6xL k|bfg u/L ;f]xL ;6xL /sdsf] ;Ldf leq /xL o; a}+saf6 hf/L

PsLs[t kl/kqsf] O=k|f=kl/kq ;+VofM !% df ePsf] Joj:yf / cfkmgf] cfGtl/s

Joj:yf adf]lhd ;DalGwt /f]huf/ Joj;foLsf] ;+:yfut gfddf ljb]zL d'b|fsf]

q]ml86÷8]lj6÷ lk|k]8 sf8{ hf/L ug{ ;lsg]5 .

-v_ j}b]lzs /f]huf/ Joj;foLn] g]kfnL gful/snfO{ ljb]zdf /f]huf/sf] cj;/ lbnfP afkt ljb]zL

kIfnfO{ s'g} sld;g, z'Ns cflb ltg'{ kg]{ ePdf ;f] k|of]hgsf] nflu cfjZos kg]{ ljb]zL

d'b|fsf] ;6xL ;'ljwf b]xfosf k|s[of k"/f u/L k|bfg ug{ ;lsg]5 M–

-!_ o:tf] z'Ns lng] lbg] ;DaGwdf b'O{ kIf aLr cflwsfl/s ;Demf}tf jf lnvt eO{ ;f]

lnvtnfO{ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 :jLs[lt k|bfg ul/Psf] x'g'kg]{ 5 .

-@_ ;Demf}tf ug]{ ljb]zL kIfn] ljb]zl:yt /f]huf/bftf kIfn] o:tf] sfo{ ug{ cg'dlt k|bfg

u/]sf] k'li6 x'g] sfuhft lng' kg]{5 . ;fy}, o:tf] kIf JolQm ljz]if ePdf ;f] JolQmsf]

gfddf e'QmfgL k7fpg ;d]t g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 :jLs[lt k|fKt

JolQm x'g'kg]{5 .

-#_ o:tf] k|of]hgsf] nflu pknJw u/fOg] ;6xL ;'ljwf 8«fkm\6, l6=l6= jf a}+s 6«fG;km/sf]

dfWodaf6 dfq pknJw u/fpg' kg]{5 .

-$_ o:tf] e'QmfgLdf k|rlnt Joj:yf cg';f/ nfUg] s/ z'Ns cflb /fh:j bflvnf u/]sf]

k|df0f lng' kg]{5 .

112

-u_ j}b]lzs /f]huf/ Joj;foLn] ljb]zL d'b|fdf ePsf] cfh{gsf] cfwf/df ljb]zL d'b|f vftf vf]Ng

;Sg] x'+bf ;DalGwt Joj;foLsf] ljb]zL d'b|f vftf vr{ x'g] u/L ;d]t dfly bkmf & v08 -s_

/ bkmf & v08 -v_ df plNnlvt k|s[of k"/f u/L ljb]zL d'b|f e'QmfgL ug{ ;lsg]5 .

*= g]kfn ;d'b|kf/ lgsf;L k}7f/L ;+3df cfj4 sDkgL÷kmd{nfO{ ;6xL ;'ljwf k|bfg ug]{ ;DaGwL Joj:yf .

g]kfn ;d'b|kf/ lgsf;L k}7f/L ;+3n] b]xfodf plNnlvt Joj:yf tyf zt{ cg';f/ l;kmfl/; u/]df ;f]

;+3;Fu cfj4 sDkgL÷kmd{sf] tk{maf6 Joj;flos e|d0fdf ljb]z hfg] kbflwsf/LnfO{ b]xfo adf]lhdsf]

;6xL ;'ljwf pknJw u/fpg ;lsg] 5 .

-s_ ;6xL ;'ljwfsf] nflu ;+3af6 b]xfo adf]lhdsf] ljj/0f v'nfO{ l;kmfl/; ug'{ kg]{ .

-!_ ;6xL ;'ljwf dfu u/]sf] jf ;f] eGbf cl3Nnf] cfly{s jif{df 36Ldf qmdzM ?=!) nfv, ?=%

nfv / ?=@ nfv %) xhf/ cfos/ lt/]sf ;+3;Fu cfj4 sDkgL÷kmd{nfO{ qmdzM æsÆ,

ævÆ / æuÆ ju{df juL{s[t ug'{ kg]{ .

-@_ ;+3;Fu cfj4 sDkgL÷kmd{sf] nflu juL{s/0f cg';f/ æsÆ ju{sf] nflu ! hgfn] dfq kfpg]

u/L a9Ldf cd]l/sL 8n/ !),))).– ævÆ ju{sf] nflu ! hgfn] dfq kfpg] u/L a9Ldf

cd]l/sL 8n/ &,))).– / æuÆ ju{sf] nflu ! hgfn] dfq kfpg] u/L a9Ldf %,))).–

cd]l/sL 8n/;Ddsf] ;Ldf leq /xL l;kmfl/; ug'{ kg]{ .

-#_ ;DalGwt kmd{÷sDkgLn] lt/]sf] æcfos/ /sd / cfly{s jif{Æ pNn]v ug'{ kg]{ .

-$_ cfjå sDkgL÷kmd{sf] tk{maf6 b]xfosf kbflwsf/Lx¿n] dfq ;6xL ;'ljwf pkef]u ug{ ;Sg]

u/L kbflwsf/Lsf] gfd, ;6xL :jLs[lt lng] a}+s÷ljQLo ;+:yfsf] gfd pNn]v ug'{ kg]{ M

-c_ kmd{sf] xsdf k|f]k|fO6/

-cf_ ;fe]mbf/L kmd{sf] xsdf ;fe]mbf/

-O_ sDkgLsf] xsdf ;+rfns÷k|jGw ;+rfns

-%_ ;DalGwt kmd{÷sDkgLsf] btf{, cfos/ btf{ / s/ lt/]sf] jf s/sf] ljj/0f k]z u/]sf]

k|df0f÷k|ltlnlk lng' kg]{ .

-^_ cfj4 kmd{÷sDkgLsf] juL{s/0f, ;6xL ;'ljwf nufot ;Dk"0f{ clen]v / ;f] sf] cfwf/df

ul/g] ;6xL ;'ljwf l;kmfl/; ;DaGwL ;Dk"0f{ lhDd]jf/L ;+3sf] x'g] Joxf]/f l;kmfl/;df

pNn]v ug'{ kg]{ .

-v_ dfly v08 -s_ df plNnlvt ljj/0f ;lxt ;+3af6 k|fKt l;kmfl/;sf] cfwf/df a}+s tyf ljQLo

;+:yfn] b]xfo ad]flhd ;6xL ;'ljwf k|bfg ug'{ kg]{ .

-!_ æsÆ, ævÆ / æuÆ ju{df k/]sf kmd{÷sDkgLnfO{ Ps cfly{s jif{df clwstd qmdzM

cd]l/sL 8n/ !),))).–, &,))).– / %,))).– a/fa/ ;Ddsf] dfq ;6xL ;'ljwf pknJw

u/fpg' kg]{ .

-@_ o:tf] ;6xL ;'ljwf 8]lj6÷q]ml86÷lk|k]8 sf8{ h:tf a}+lsª pks/0fsf dfWodaf6 pknJw

u/fpg ;lsg] .

-#_ q]ml86 sf8{ dfk{mt o:tf] ;6xL ;'ljwf pknJw u/fp+bf q]ml86 sf8{ ;DaGwL cfˆgf]

sfo{ljlw÷k|lqmof k"/f u/]/ dfq pknJw u/fpg' kg]{ .

-$_ e|d0fdf hfg] kbflwsf/Lsf] sGkmd{ xjfO{ l6s6, /fxbfgL / le;f lng'kg]{ eP ;f] ;d]tsf]

cfwf/df dfq o:tf] ;'ljwf pknJw u/fpg' kg]{ .

-%_ o; Joj:yf cGt/ut k|bfg ePs]f ;6xL ;'ljwfsf] laj/0f ;+nUg cg';"rL &=& cg';f/

k|To]s dlxgf Joltt ePsf] !% lbg leq o; ljefudf k]z ug'{ kg]{5 .

113

(= ljleGg k|of]hgsf] nflu kl/jTo{ ljb]zL d'b|fsf] ;6xL ;DaGwL Joj:yf M

b]xfosf JolQm, ;+3, ;+:yf tyf Ohfhtkqk|fKt ;+:yfx¿nfO{ ljleGg k|of]hgsf] nflu lgDg adf]lhd

kl/jTo{ ljb]zL d'b|f -ef/t afx]s_ sf] ;6xL ;'ljwf k|bfg ug{ ;lsg] Joj:yf ul/Psf] 5 .

-s_ JolQm tyf ;+3, ;+:yfsf] nflu M

-!_ ;6xL dfu ug]{ JolQm, ;+3, ;+:yf g]kfnL x'g'kg]{5 .

-@_ o:tf] ;6xL ;'ljwfsf] Beneficiary ljb]zl:yt ;+3, ;+:yf g} x'g'kg]{5 . ljb]zl:yt

JolQm ljz]ifnfO{ Beneficiary agfpg ldNg] 5}g .

-#_ dfu ePsf] ;6xL /sdnfO{ k'li6 ug]{ aLhs (Invoice) jf cGo documentry evidence x'g'kg]{5 .

-$_ cfj]bssf] xsdf JolQm eP g]kfnL gful/stfsf] k|df0fkqsf] k|lnlnlk / ;+3, ;+:yf

eP ljlwjt\ btf{ ePsf] / gjLs/0f ug'{kg]{ eP gjLs/0f ;d]t ePsf] btf{

k|df0fkqsf] k|ltlnlk ;+nUg ug'{kg]{5 .

-%_ o:tf] ;6xL ;'ljwf b]xfoadf]lhd k|bfg ug{ ;lsg]5 M

-c_ cd]l/sL 8n/ #,))) jf ;f] a/fa/sf] cGo kl/jTo{ ljb]zL d'b|f;Ddsf]

nflu cfjZos sfuhftx? lnO{ ;6xL ;'ljwf k|bfg ug{ ;lsg]5 .

-cf_ lgofds lgsfoaf6 ;Demf}tf÷;xdlt :jLs[t jf ;6xL l;kmfl/;sf]

cfwf/df ;6xL /sd k'li6 x'g] sfuhftx? lnO{ cd]l/sL 8n/ #,)))

eGbf clws !),))) jf ;f] a/fa/sf] cGo kl/jTo{ ljb]zL d'b|f;Dd

8«fkm\6÷l6=l6=sf] dfWodaf6 jfl0fHo a}+sx?af6 g} ;6xL ;'ljwf k|bfg ug{

;lsg]5 .

-O_ cd]l/sL 8n/ !),))) jf ;f] a/fa/sf] cGo kl/jTo{ ljb]zL d'b|feGbf

dflysf] e'QmfgLsf] nflu lgofds lgsfosf] l;kmfl/; ;lxt o; ljefusf]

:jLs[ltsf] cfwf/df dfq ;6xL ;'ljwf k|bfg ug'{kg]{5 . ;fy}, lgofds

lgsfo gePsf] / lgofds lgsfoaf6 ;Demf}tf÷;xdlt :jLs[t jf

l;kmfl/; x'g g;s]sf] cj:yfdf cd]l/sL 8n/ #,))) jf ;f] a/fa/sf]

cGo kl/jTo{ ljb]zL d'b|feGbf clws /sdsf] e'QmfgLsf] nflu ;d]t o;

ljefusf] :jLs[ltsf] cfwf/df dfq ;6xL ;'ljwf k|bfg ug'{kg]{5 .

-^_ k|rlnt Joj:yf cg';f/ s/ nfUg] lsl;dsf e'QmfgL -h:t}M /f]oN6L, sld;g,

k|fljlws ;]jf z'Ns, k/fdz{ z'Ns, lj1fkg cflb_ sf] xsdf lgodfg';f/sf] clu|d

s/ hDdf u/]sf] k|dfl0ft sfuhft ;+nUg u/]kl5 dfq ;6xL ;'ljwf k|bfg

ug'{kg]{5 .

-&_ k'FhL vftf cGtu{t kg]{ sf/f]jf/ -ljb]zL z]o/ v/Lb, l8kf]lh6 cflb_ sf] nflu of]

;6xL ;'ljwf k|of]u ug{ ldNg] 5}g .

-*_ dfn;fdfg cfoft ug]{ k|of]hgsf] nflu of] Joj:yf nfu' gx'g] x'Fbf o; Joj:yf

cGtu{tsf] ;6xLdf lj=lj=lg=kmf=g+=$-s_ hf/L ug{ kg{] 5}g .

-v_= a}+s÷ljQLo ;+:yfx¿sf] nflu M

a}+s÷ljQLo ;+:yfx¿n] b]xfodf pNn]lvt sfo{ tyf k|of]hgsf] nflu kl/jTo{ ljb]zL d'b|f

e'QmfgL ubf{ o; a}+ssf] :jLs[lt lng'kg]{ 5}g .

-!_ a}+s÷ljQLo ;+:yfx¿sf] cfˆg} k|of]hgsf] nflu dufpg] k':ts, kq–klqsfx¿

-@_ a}+s÷ljQLo ;+:yfx¿ :jo+ cfj4 /x]sf] ljleGg cGt/f{li6«o ;+3, ;+:yfx¿sf]

;b:otf

z'Ns

114

-#_ a}+s÷ljQLo ;+:yfx¿sf] tkm{af6 tflnd, uf]i7L, a}7s cflbdf efu lng hfFbf

cfof]hs ;+:yfnfO{ lbg'kg]{ tflnd÷;xeflutf cflb z'Ns

-$_ a}+}s÷ljQLo ;+:yfx¿n] k|of]u ug]{ ;~rf/ ;]jfsf] e'QmfgL (Reuters, Bridge-News,

Swift, ATM sf] license z'Ns, sf8{ personalization dfq_

-%_ pko{'Qm k|of]hgsf] nflu ul/g] ljb]zL d'b|fsf] e'QmfgL Beneficiary ;+:yfsf] gfpFdf

dfq k7fpg' kg]{5

-^_ Jofkfl/s ;fv ;"rgf (Business Credibility Information) sf] ;]jf z'Ns e'QmfgL

-&_ pko{'Qm k|of]hgsf nflu a}+s÷ljQLo ;+:yfx¿n] ljb]zL d'b|f /sdfGt/ ubf{ ;f]

/sd k'li6 x'g] cfjZos sfuhft jf Invoice ;+nUg ug'{kg]{5 / k|rlnt Joj:yf

cg'?k e'QmfgLdf s/ nfUg] eP s/ a'emfPsf] lg:;f ;d]t clgjfo{?kn] ;+nUg ug'{

kg]{5 .

-u_ ljb]zl:yt c:ktfndf uO{ cf}ifwf]krf/ u/fpg] / cfjZos cf}ifwL v/Lb ug]{ k|of]hgsf

nflu g]kfnL gful/sx¿nfO{ b]xfo adf]lhdsf] k|s[of k"/f u/L a}+s tyf ljQLo ;+:yfx¿n]

jflif{s cd]l/sL 8n/ !) xhf/;Dd ;6xL ;'ljwf k|bfg ug{ ;Sg]5g\ .

-!_ jfXo d'n's uO{ pkrf/ u/fpg rfxg] jf ug{'kg]{ JolQmn] g]kfnsf c:ktfndf

:jf:Yo k/LIf0f u/fO{ jfXo d'n's uO{ pkrf/ u/fpg pko'Qm x'g] egL :jb]zsf

8fS6/n] pknJw u/fPsf] l;kmfl/;kq tyf ljb]zl:yt c:ktfnaf6 pkrf/df nfUg]

cg'dflgt vr{ pNn]v ePsf] sfuhft k]z ug{'kg]{

-@_ o:tf] ;6xL ;'ljwf ljb]zL c:ktfnn] e'QmfgL kfpg] u/L k7fpg' kg]{ .

-#_ o; Joj:yf cGtu{t ;6xL afkt lnPsf] /sdsf] vr{ ljj/0f pkrf/af6 kms]{sf]

!% lbgleq ;DalGwt a}+s tyf ljQLo ;+:yfdf a'emfpg' kg]{

-$_ o;/L ;6xL ;'ljwf k|bfg u/] kZrft pQm ;'ljwf lbOPsf JolQmx¿sf] gfd, 7]ufgf,

kmf]g gDa/, ;6xL lnPsf] d'b|f / /sd pkrf/ u/fpg] ljb]zL c:ktfnsf] gfd,

7]ufgf Pjd\ vr{ km5of{}6\ eP÷gePsf] ljj/0f cw{jflif{s ?kdf !% -kGw|_ lbg leq

o; ljefudf k]z ug'{ kg]{5 .

-%_ v08 u-#_ adf]lhdsf] ;6xL lnO{ ;f]sf] ljj/0f ga'emfpg] JolQmnfO{ k'g M To:tf]

;'ljwf k|bfg ul/g]5}g .

-3_ b"/ ;+rf/ ;DaGwL ;]jf k|bfos g]kfnL sDkgLx¿n] ljb]zL ;]jf k|bfos sDkgLx¿;Fu

;Demf}tf u/L ;]6]nfO6 ;]jf ef8fdf lng] jf k|of]u u/]sf]df b]xfosf sfuhft lnO{ ef8f

afkt jflif{s cd]l/sL 8n/ ! nfv;Ddsf] e'QmfgL a}+s tyf ljQLo ;:yf :jod\n] ug{

;Sg]5g\ M

-!_ ;]jf k|bfos ;+:yf / g]kfnL sDkgL aLr ;]jf pknJw u/fpg] ;DaGwdf ePsf]

;Demf}tf .

-@_ ;DalGwt lgodgsf/L lgsfo -;"rgf tyf ;+rf/ dGqfno_ sf] l;kmfl/;

-#_ ljb]zl:yt ;]jf k|bfos sDkgL÷;+:yfn] hf/L u/]sf] OGEjfO;

-$_ lgodfg';f/ nfUg] s/ lt/]sf] lg:;f .

-ª_ g]kfnL jfo';]jf sDkgLx¿n] xjfO{ hxfhsf OlGhg jf kf6{k"hf{ h:tf ;fdfg ljb]z nuL

dd{t u/L Nofpg] k|of]hgsf nflu b]xfo adf]lhdsf sfuhftsf cfwf/df k|rlnt Joj:yf

cGtu{t /xL cd]l/sL 8n/ ! nfv;Ddsf] clu|d e'QmfgL a}+s tyf ljQLo ;+:yf :jod\n]

k7fpg ;Sg]5g\ .

-!_ ;DalGwt lgodgsf/L lgsfo -gful/s p88\og k|flws/0f_ sf] l;kmfl/;

-@_ kf6{k"hf{ w/f}6Ldf lgof{t ePsf] k|1fkgkq

115

-#_ lgodfg';f/ nfUg] s/ lt/]sf] lg::ff .

o;/L e'QmfgL lbOPsf] /sd ;fdfg dd{t eO{ lkmtf{ cfPkl5 ;f]sf] lg:;f a}+sn] lng'kg]{5 .

r_ cGt/fli6«o p8fg cg'dlt k|fKt g]kfnL jfo';]jf sDkgLx¿n] xjfO{ hxfhsf OGwg vl/b

k|of]hgsf nflu b]xfo adf]lhdsf sfuhftsf cfwf/df k|rlnt Joj:yf cGtu{t /xL

cd]l/sL 8n/ ! nfvsf] ;Ldf ;Dd kl/jTo{ ljb]zL d'b|f a}+s tyf ljQLo ;+:yf :jod\n]

8«fkm\6÷l6=l6=÷l:jkm\6 dfkm{t k7fpg ;Sg]5g\ .

-!_ ;DalGwt lgodgsf/L lgsfo -g]kfn gful/s p88\og k|flws/0f_ sf] l;kmfl/;

-@_ ljdfg:yndf OGwg cfk"lt{ k|bfos ;+:yf -ljdfg:yndf OGwg cfk"lt{ ug]{ ;+:yf

v'Ng] sfuhft_ jf ;f];Fu ePsf] ;Demf}tf

-#_ ljb]zl:yt ;]jf k|bfos sDkgL÷;+:yfn] hf/L u/]sf] OGEjfO; .

!)= d]lzg/L tyf cf}hf/x¿ ef8fdf k|of]u u/] afktsf] ;6xL ;'ljwf ;DaGwdf .

g]kfnL pBf]ux¿n] ef/taf6 d]lzg/L tyf cf}hf/x¿ ef8fdf lnO{ k|of]u u/] jfkt e'QmfgL ug'{ kg]{

/sd b]xfosf cfwf/df jflif{s ef=?=!) nfv;Ddsf] e'QmfgL a}+s tyf ljQLo ;+:yf cfk}mn] k7fpg

;Sg] 5g\ .

-s_ pBf]un] ;6xLsf] nflu a}+s ;dIf lgj]bg lbg' kg]{5 .

-v_ g]kfnL pBf]u / ef/tLo d]lzg/L ;fdfg cfk"lt{stf{ aLr ;fdfg ef8fdf lng] lbg]

;DaGwdf ePsf] ;Demf}tf jf cfk"lt{stf{n] hf/L u/]sf] Invoice sf] k|dfl0ft k|ltlnlk ;+nUg

x'g'kg]{ 5 .

-u_ ;fdfg ef8fdf k|of]u ug]{ u/L w/f}6Ldf cfoft ePsf] eG;f/ k|1fkgkqsf] k|ltlnlk ;+nUg

x'g'kg]{5 .

-3_ lgodfg';f/ nfUg] s/ lt/]sf] k|dfl0ft lg:;f k]z ug{' kg]{5 .

!!= ljljw sfo{qmdx¿ ;~rfng ug]{ cu'jf cfof]hs ;+:yf (Lead Organizer) nfO{ pknAw x'g]

;6xL Joj:yf M

g]kfnsf ljZjljBfno, ;/sf/L cg'bfg tyf ;xof]udf ;+rflnt ;+3÷;+:yf jf cGt/f{li6«o u}/

;/sf/L ;+3 ;+:yfx¿n] cu'jf cfof]hs ;+:yf (Lead Organizer) sf] ?kdf /xL ljb]zl:yt ;/sf/

jf ;+3 ;+:yfx¿af6 ljb]zL d'b|fdf cfly{s ;xof]u k|fKt u/L] g]kfn ;lxt cGo d'n'ssf nflu

sfo{qmd ;~rfng u/]sf] ePdf s'n ljb]zL d'b|f g]kfn lelqPsf] k|df0f, ;DalGwt lgofds lgsfosf]

l;kmfl/; / ;DalGwt kIfx¿ jLr /sd ;d]t pNn]v ePsf] ;Demf}tfsf cfwf/df g]kfnsf nflu

k|fKt /sd s§f u/L afFsL ljb]zL d'b|f /sd k|fKt ug]{ ;DalGwt jfl0fHo a}+sx¿Dffk{mt\ sfo{qmd

;~rfng x'g] cGo d'n'sdf k7fpg ;Sg] 5g\ .

!@= Kofs]h 6'/ ;DaGwL sfd ug]{ 6'/ ck/]6/x¿nfO{ k|bfg ug]{ ;6xL ;DaGwL Joj:yf M

o; a}+saf6 ljb]zL ljlgdosf] sf/f]jf/ ug{ Ohfht k|fKt u/]sf g]kfnL 6«feN;÷6';{ sDkgLx¿n]

ljb]z e|d0fsf nflu :jod\n] jf ljb]zl:yt Ph]G;L;Fu ;xsfo{ u/L ljleGg 6'/ Kofs]h ;DaGwL ;]jf

lbO{ ;f]sf] nflu ljb]zl:yt 6'/ ck/]6/nfO{ e'QmfgL k7fpg ljb]zL d'b|f cfjZos k/]df ljb]z l:yt

sDkgL÷;+:yfsf gfpFdf hDdf x'g] u/L a}+s tyf ljQLo ;+:yfn] e'QmfgL k7fpg tyf dfg;/f]j/

s}nf;sf] Kofs]h cGtu{t ef/tLo ko{6snfO{ ;]jf k|bfg ug]{ g]kfnL 6'/ ck/]6/x¿af6 ef/tLo

ko{6sn] g]kfndf ljb]zL d'b|fdf u/]sf] vr{sf] cfwf/df ;6xL dfu u/]sf] cj:yfdf b]xfo adf]lhd

;6xL lbg ;lsg]] 5 .

116

s= g]kfnL gful/sx¿nfO{ ljb]z e|d0fsf nflu k|lt JolQm cd]l/sL 8n/ !,))).– ;Dd

/fxbfgL ;'ljwfjfkt k|fKt x'g] ljb]zL d'b|fsf] ;Ldf cGt/ut /xL b]xfosf cfwf/df e'QmfgL

k7fpg ;lsg] 5 .

-!_ ;6xL dfu ug]{ 6«fen÷6'/ sDkgLn] cfkmgf] sf/f]jf/ ePsf] a}+s ;dIf lgj]bg

lbg'kg]{ 5 .

-@_ ljb]zl:yt 6'/ Kofs]h ;~rfng ug]{ ;DalGwt sDkgL÷;+:yfn] hf/L u/]sf] ofq'

;+Vof / b/ pNn]v ePsf] OGEjfO; ;+nUg x'g'kg]{ 5 .

-#_ ljb]zl:yt 6'/ ck/]6/nfO{ e'StfgL k7fpFbf ljb]zsf] 6'/ ck/]6/÷sDkgL÷;+:yfn] g}

e'StfgL kfpg] u/L k7fpg' kg]{5 .

-$_ e|d0fdf hfg] g]kfnL gful/ssf] /fxbfgL, sGkmd{ xjfO{ l6s6 le;f lng'kg]{ eP ;f]

;d]tsf] k|ltlnlk ;+Ung x'g'kg]{ 5 .

-%_ pko{'Qm /sdaf6 gk'u ePsf] v08df e|d0f ug]{ JolQmn] /fxbfgL ;'ljwf cGtu{t

k|fKt ug]{ ljb]zL d'b|fsf] ;Ldfaf6 s§f u/L /fxbfgLdf e'QmfgL lbPsf] 5fk nufO{

dfq ;6xL lbg'kg]{5 .

-^_ syd\sbflrt e|d0f sfo{qmd /2 ePdf k7fPsf] /sd lkmtf{ ug]{ lhDd]jf/L ;6xLsf]

nflu cg'/f]w ug]{ 6«fen 6'/ Ph]G;Lsf] x'g]5 .

-&_ o;/L lkmtf{ ePsf] ljb]zL d'b|f afkt ;DalGwt a}+sn] 6«feN; tyf 6'/ ck/]6/nfO{

g]kfnL ?k}ofFdf ;6xL lbg' kg]{5 . ;fy}, Ohfhtkqk|fKt 6«fen tyf 6'/ Ph]G;Lx¿n]

o;/L ;6xL lnO{ /sd k7fPsf] / e|d0f /2 eO{ /sd lkmtf{ ePsf] ljj/0f o;} ;fy

;+nUg adf]lhdsf] kmf/fd e/L dfl;s ?kdf o; ljefudf k]z ug'{kg]{ 5 .

v= g]kfnL 6'/ ck/]6/ dfk{mt\ s}nfz dfg;/f]j/, ltAat hfg] ef/tLo ko{6s ;d"xnfO{ g]kfnL

6'/ ck/]6/ n] ljqmL u/]sf] s}nfz hfg] 6'/ Kofs]hnfO{ Joj:yfkg ug]{ ;DaGwdf

ltAatl:yt ;DalGwt lgsfodf hDdf ug'{kg]{ /sdsf] nflu 6'/ ck/]6/n] ;6xL ;'lawf dfu

u/]df b]xfosf cfwf/df ;6xL ;'ljwf pknAw u/fpg ;lsg] 5 .

1. 6'/ ck/]6/n] lgodfg';f/ g]kfn /fi6« a}+saf6 ljb]zL ljlgdo sf/f]jf/sf] Ohfht kq

lnPsf] x'g'kg]{5 .

2. k|fKt ePsf] Kofs]hjfktsf] /sdsf] 6'/ ck/]6/n] Tax Invoice hf/L u/]sf] x'g'kg]{5 .

3. 6'/ Kofs]hsf] /sd k7fpFbf ltAatl:yt lgsfon] hf/L u/]sf] ofq' ;+Vof / b/ pNn]v

ePsf] OGEjfO; k|fKt u/]sf] x'g' kg]{5 . Credit Invoice k]z ePsf] cj:yfdf vr{

ePsf] Invoice k]z ug{ nufO{ a}+sn] kmfOn cBfjlws ug{'kg]{5 .

4. e|d0fdf hfg] ef/tLo gful/ssf] /fxbfgL tyf le;fsf] k|ltlnlk ;+Ung x'g'kg]{ 5 .

5. ;6xL k|fKt ug{ g]kfnsf] 6'/ ck/]6/n] agfPsf] 6'/ Kofs]h ef/tLo gfu/Lsn] vl/b

u/]sf] x'g' kg{]5 .

6. 6'/ ck/]6/n] ef/tLo ko{6saf6 /sd k|fKt ubf{ lgDg adf]lhd u/]sf] x'g' kg]{5 M

-s_ ef/tLo ko{6sn] lgodfg';f/ ;f6]sf] cd]l/sL 8n/sf] lg:;fsf] cfwf/df

g]kfnsf] 6'/ ck/]6/sf] 8n/ vftfdf cd]l/sL 8n/ hDdf ug{ ;lsg] 5 .

-v_ o;/L gub cd]l/sL 8n/ :jLsf/ ubf{ lgodfg';f/ FEER hf/L u/]sf] x'g' kg{]5

.

-u_ ef/tLo ko{6sn] ef/tsf] a}+s÷ljQLo ;+:yfdfkm{t 6'/ ck/]6/sf] g]kfnL vftfdf

ef=?= ;d]t /sdfGt/ ug{ ;Sg] 5g\ .

117

-3_ g]kfn /fi6« a}sn] ef/tLo d'b|f ;6xL ;DaGwdf hf/L u/]sf] lgb]{zgsf] clwgdf

/xL ef/tLo ko{6sn] NofPsf] ef/tLo d'b|f 6'/ ck/]6/n] :jLsf/ u/L a}+sdf

hDdf u/]sf] x'g'kg{]5 .

7. pk/f]Qm adf]lhd hDdf ePsf] tyf k|fKt x'g cfPsf] /sdaf6 tftf]kfgL jf s]?ªsf] dfu{

eO{ hfg] ko{6ssf] xsdf ko{6saf6 Kofs]h jfkt k|fKt ePsf] /sdsf] k|rlnt b/df

o'ofg jf cd]l/sL 8n/ rLgsf] :jzfl;t If]q ltAatsf] Nxf;fl:yt ;/sf/L lgsfo,

Foreign Exchange Center jf Center n] tf]s]sf] a}+s Pjd\ ;DalGwt lgsfosf] vftfdf

hDdf /sdsf] &)Ü ;Dd k7fpg ;lsg] 5 .

8. tftf]kfgL jf s]?ª gfsf afx]s cGo gfsfaf6 s}nfz dfg;/f]j/ lty{ofqfdf hfg] ef/tLo

ko{6sx¿sf] nflu ko{6saf6 Kofs]h jfkt k|fKt ePsf] ljb]zL d'b|fsf] a9Ldf %)Ü

/sd;Dd ltAatsf] ;DalGwt lgsfonfO{ k7fpg ;lsg] 5 .

9. syd\sbflrt e|d0f sfo{qmd /2 ePdf k7fPsf] /sd lkmtf{ ug]{ lhDd]jf/L ;6xLsf] nflu

cg'/f]w ug]{ 6'/ ck/]6/sf] x'g]5 .

10. dfly v08 -v_ sf] -(_ adf]lhd lkmtf{ ePsf] ljb]zL d'b|f afkt ;DalGwt a}+sn] 6«feN;

tyf 6'/ ck/]6/nfO{ g]kfnL ?k}ofFdf ;6xL lbg' kg]{5 . o;/L k|fKt g]kfnL ?k}ofFdf ;DalGwt

ko{6sn] ef/t k7fpg rfx]df a}+sn] 8«fkm\6, 6L6L cflb a}ls‹ pks/0fsf] dfWodaf6

k7fpg ;lsg] 5 .

11. Ohfhtkqk|fKt 6'/ ck/]6/x¿n] o;/L ;6xL lnO{ /sd k7fPsf] / e|d0f /2 eO{ /sd

lkmtf{ ePsf] ljj/0f dfl;s ?kdf o; ljefusf] cg'udg zfvfdf k]z ug'{kg]{ 5 .

!#= o; kl/kq adf]]lhdsf] cd]]l/sL 8n/df k|bfg ul/g] ;6xL ;'ljwf cfjZostfg';f/ ;f] a/fa/sf]

cGo kl/jTo{ ljb]zL d'b|fdf ;d]t k|bfg ug{ ;lsg] 5 .

!$= kl/jTo{ ljb]zL d'b|fdf e'StfgL x'g]u/L t];|f] d'n'saf6 lnPsf] ;]jfsf] ;6xL :jLs[lt k|bfg ubf{

g]kfn ;/sf/nfO{ e'StfgL ug{'kg]{ clu|d cfos/ (TDS), /fhZj nufotsf /sd o; a}+sn]

k|sfzg u/]sf] kl/jTo{ ljb]zL d'b|fsf] ljqmLb/sf] cfwf/df u0fgf u/L bflvnf ug{' kg]{5 .

!%= ljb]zaf6 ljleGg k|of]hgsf] nflu k|fKt ePsf ljb]zL d'b|f /sd k7fpg] a}+saf6 lkmtf{ ug{ dfu

eO{ cfPdf / h'g k|of]hgsf] nflu ljb]zL d'b|f lelqPsf] xf] ;f] cg'?k vr{ gx'g] ePdf / To:tf]

/sd ;DalGwt vftfdf hDdf eO;s]sf] eP a]g]lkm;/Lsf] ;d]t ;xdlt lnO{ k|fKt ePsf] ljb]zL

d'b|fsf] ;Ldf ggf3\g] u/L cd]l/sL 8n/ % xhf/ ;Dd jf ;f] j/fj/sf] ljb]zL d'b|f cfjZos

sfuhftsf cfwf/df /sd k|fKt ug]{ ;DalGwt a}+sn] lkmtf{ k7fpg ;Sg]5 . t/, To:tf] /sd

cj}wflgs tyf ck/fwLs k|s[ltsf] ePdf lkmtf{ k7fpg ldNg]5}g .

!^= lzIff, cfk|jf;g, :jf:Yo -kl/kq g+= &, * / ( ;d]t _ nufotsf k|of]hgsf nflu cd]l/sL

8n/ %,))) eGbf a9Lsf] kl/jTo{ ljb]zL d'b|f dfu ug]{ g]kfnLx¿;Fu clgjfo{ ?kdf :yfoL

118

n]vf gDa/ (PAN) lng' kg]{5 . o:tf] :yfoL n]vf gDa/ (PAN) pk/f]Qm k|of]hgsf] nflu ;6xL

;'ljwf dfu ug]{ JolQm jf lghsf] Psf3/ kl/jf/sf ;b:ox¿dWo] cfdf jf a'jf s'g} Ps

hgfsf] k]z u/]df ;d]t kl/jTo{ ljb]zL d'b|f ;6xL ug{ ;lsg]5 .

119

cg';"rL &=!

-O=k|f=kl/kq ;+Vof & sf] bkmf !-`_ sf] k|of]hgsf] nflu_

ldlt M ====================

>L ===================

============================.

ljifo /fxbfgL afktsf] ;6xL ;'ljwf kfpFm .

dxfzo,

d ==================================================== df s/La ================================================================sf]

nflu -b]zsf] gfd_ -cjlw pNn]v ug'{kg]{

e|d0fdf hfg nfu]sf] x'Fbf /fxbfgL afktsf] lgodfg';f/ kfpg] cd]l/sL 8n/ ===========- cd]l/sL 8n/

===================dfq_ ;6xL ;'ljwfsf] nlfu cg'/f]w ub{5' .

d}n] o; /fxbfgL afkt ;6xL lnPsf] Ps dlxgfleq p2]Zo adf]lhd ljb]z ofqf gu/]df ;f] ljb]zL d'b|f

a}+sdf bflvnf ug]{5' . ;fy}, o; k6ssf] ljb]z e|d0fsf] nflu /fxbfgL afktsf] ;6xL ;'ljwf cGo s'g} klg

;+:yfaf6 glnPsf] Joxf]/f ;d]t cg'/f]w ub{5' . e'm7f ljj/0f k]z u/L ;6xL lnPsf] 7x/]df k|rlnt P]g,

sfg"g adf]lhd ;hfoFsf] efuLbf/ :jod\ x'g]5' .

ejbLo,

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

b:tvt

ljj/0f M–

/fxbfgL g+= ====================== k"/f gfd M =======================================

Po/nfOG;sf] gfd M ====================== 7]ufgf M ===================================

-s_ xjfO{ l6s6 g+======================= kmf]g gDj/ M ===================================

-v_ xjfO{ l6s6 g+======================= /fxbfgL hf/L u/]sf] ldlt M ========================

p8fg lglZrt ePsf] tf/Lv===================== /fxbfgL axfnL /xg] ldlt M ======================

120

cg';"rL &=@

/fxbgL afkt ;6xL ;'ljwf k|bfg ul/Psf] dfl;s ljj/0f

-O=k|f=kl/kq ;+Vof & sf] bkmf !-7_ sf] k|of]hgsf] nflu_

Ohfhtkqk|fKt a}+s÷ljQLo ;+:yf÷lgsfosf] gfd ==========================================

==================;fn ====================dlxgf =============================ut]

l;=g+= ldlt gfd /fxbfgL g+= l6s6 g+= hfg] d'n'ssf]

gfd

/sd -o'=P;

8n/df_

;6xL k|bfg

ug]{ zfvf s}lkmot

s'n /sd


gfd M

kb M

a}+ssf] 5fk M

121

cg';"rL &=#

Jofkf/ k|j4{g afkt kl/kq ;+Vof & sf] !-ª_ cg'?k

;6xL ;'ljwf k|bfg ul/Psf] dfl;s ljj/0f

-O=k|f=kl/kq ;+Vof & sf] bkmf !-7_ sf] k|of]hgsf] nflu_

Ohfhtkqk|fKt a}+s÷ljQLo ;+:yf÷lgsfosf] gfd =============================================

==================;fn =============================dlxgf =============================ut]

l;=g+

= ldlt gfd /fxbfgL g+= l6s6 g+=

hfg] d'n'ssf] gfd /

sfo{s|dsf] gfd

/sd -o'=P;

8n/df_

;6xL k|bfg

ug]{ zfvf

;6xLsf]

cf}lrTo

s'n /sd


gfd M

kb M

a}+ssf] 5fk M

122

cg';"rL &=$

-O=k|f=kl/kq ;+Vof & sf] bkmf # sf] k|of]hgsf] nflu_

bkmf # -s_ adf]lhd ljb]z e|d0f -ef/t afx]s_ ubf{ pknJw u/fpg' kg]{ ;6xL ;'ljwfsf] tflnsf

-cd]l/sL 8n/df_

cfh{g

clwstd e|d0f vr{

Ps cfly{s jif{df

b}lgs xf]6n tyf

vfgf vr{

dgf]/Ghg, e}k/L tyf

cltly ;Tsf/ vr{

-k|ltk6s_

) – # nfv () lbg $%)=)) !,)))=))

# – & nfv () lbg %%)=)) !,%))=))

& nfveGbf dfly () lbg ^%)=)) @,)))=))

cg';"rL &=%

-O=k|f=kl/kq ;+Vof & sf] bkmf # sf] k|of]hgsf] nflu_

bkmf # adf]lhd ljb]z e|d0f -ef/t afx]s_ ubf{ pknJw u/fpg' kg]{ ;6xL ;'ljwfsf] tflnsf

-cd]l/sL 8n/df_

cfh{g

b}lgs xf]6n tyf

vfgf vr{

dgf]/Ghg tyf e}kl/ vr{

-k|ltk6s_

clwstd e|d0f lbg

Ps cfly{s jif{

) – # nfv #))=)) $))=)) $% lbg

# – % nfv #%)=)) %))=)) %% lbg

% – & nfv $))=)) ^))=)) ^% lbg

& – !) nfv $%)=)) &))=)) &% lbg

!) nfveGbf dfly %))=)) *))=)) *% lbg

123

cg';"rL &=^

-O=k|f=kl/kq ;+Vof & sf] bkmf #-ª_ sf] k|of]hgsf] nflu_

bkmf #-ª_ adf]lhd ef/t afx]ssf d'n'sx¿df e|d0f ubf{ ;6xL ;'ljwf k|of]hgsf nflu eg'{ kg]{ kmf/fd

>L ===================================

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

=========================================== .

!= lgj]bssf] gfd ===================================================

@= kb ==================================

#= kmd{÷sDkgL÷sfof{nosf] gfd

$= e|d0f ug]{ d'n's ==================================================

%= e|d0f ug]{ cjlw ldlt ======================= b]lv ===================== ;Dd hDdf lbg =========

&= cfjZos kg]{ ljb]zL d'b|f

-s_ b}lgs xf]6n tyf vfgf vr{

-v_ dgf]/Ghg tyf e}kl/ cfpg]

*= lgj]bssf] ljb]zL d'b|f vftfaf6 vr{ x'g] eP ;f]sf] vftf gDj/ ===========================

(= o;eGbf cl3 e|d0fdf uPsf] eP lnPsf] ljb]zL d'b|f ======================== / e|d0f cjlw

ldlt ======================== b]lv ======================= ;Dd

!)= o; cfly{s jif{df k6s k6s u/L xfn;Dd cfh{g u/]sf] ljb]zL d'b|f /sd ===============

;f] dWo] vftfdf hDdf ePsf] ljb]zL d'b|f /sd ======================

!!= ;+nUg sfuhftx¿ M–

-s_ ===========================

-v_ ===========================

-u_ ===========================

lgj]bssf] b:tvt

ldlt ====================================

pko{'Qm lgj]bg adf]lhd b}lgs xf]6n tyf vfgf vr{ ==================================== / dgf]/Ghg

tyf e}kl/ cfpg] vr{ ====================================== u/L hDdf ========================================

lgodfg';f/ pknJw u/fOPsf] 5 .


gfd M

kb M

a}+ssf] 5fk M

124

cg';"rL &=&

-O=k|f=kl/kq ;+VofM & sf] bkmf * sf] v-%_ sf] k|of]hgsf] nflu_

-a}+s tyf ljQLo ;+:yfsf] gfd_

-===============sfof{no_

-7]ufgf====================_



lg/LIf0f tyf cg'udg zfvf

afn'jf6f/,sf7df08f} .

dxfzo,

To; a}+ssf] O=k|f=kl/kq ;+VofM & sf] bkmf * sf] v-%_ df /x]sf] Joj:yf adf]lhd g]kfn ;d'b|kf/

lgsf;L k}7f/L ;+3sf] l;kmfl/;df ;f] ;+3;Fu cfj4 sDkgL÷kmd{nfO{ @)================ dlxgfdf b]xfo

ad]flhdsf] ;6xL ;'ljwf pknJw u/fO{Psf] Joxf]/f hfgsf/Lsf] nflu cg'/f]w 5 .

s|=;+= sDkgL÷kmd{sf] gfd kfpg] ;'ljwf pkof]u ug]{ kbflwsf/Lsf] gfd pkof]u /sd

ejbLo


gfd M

kb M

a}+ssf] 5fk M

125

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M)*÷@)&^

cfk|jf; le;fdf ljb]z hfg] g]kfnL gful/sx¿nfO{ Settlement vr{ afkt k|bfg ug]{ kl/jTo{

ljb]zL d'b|fsf] ;6xL ;'ljwf ;DaGwdf

;+o'tm /fHo cd]/Lsf, Sofgf8f, ci6]«lnof, Go"lhNof08 / a]nfot h:tf ljsl;t b]zx¿df

lgodfg';f/ cfk|jf; le;f (Immigrant Visa) k|fKt u/L tL d'n'sx¿df a;f]af; ug{ hfg] g]kfnL

gful/sx¿nfO{ Settlement vr{ afkt cfjZos kg]{ ljb]zL d'b|fsf] ;6xL ;'ljwf b]xfosf] Joj:yf tyf

zt{x¿sf] cwLgdf /xL ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L

Ohfhtkqk|fKt æsÆ / /fli6«o:t/sf ævÆ ju{sf ljsf; a}+sx¿n] k|bfg ug{ ;Sg] Joj:yf ul/Psf] 5 .

-s_ cfk|jf; le;f kfPsf g]kfnL gful/sx¿nfO{ dfq Settlement vr{ afkt k|lt Joltm a9Ldf cd]l/sL

8n/ %,))).– ;Dd jf ;f] a/fa/sf] cGo ljb]zL d'b|f ;6xL ;'ljwf pknAw u/fpg ;lsg] 5 . ;fy},

cnUu} /fxbfgL glnO{ cleefjssf] ;fydf hfg] s]6fs]6Lx¿nfO{ klg hgxL ptm ;6xL ;'ljwf

pknAw u/fpg ;lsg]5 .

-v_ cfk|jf; le;f (Immigrant Visa) k|fKt u/L ;DalGwt b]zdf klxnf] k6s hfg] g]kfnL gful/sx¿nfO{

Ps k6s dfq of] ;6xL ;'ljwf pknAw u/fpg' kg]{5 .

t/, cfk|jf; le;f k|fKt u/L of] Joj:yf cg';f/sf] ;6xL ;'ljwf glnO{ ;DalGwt b]z uP/ g]kfn

kmsL{ k'gM hfg] / ;f]xL b]zdf /x]sf] ;dodf cfk|jf; le;f k|fKt u/L g]kfn cfO{ k'gM hfg] g]kfnL

gful/sx¿nfO{ o:tf] ;6xL ;'ljwf k|bfg ug{ ldNg] 5}g .

-u_ g]kfn ;/sf/n] hf/L u/]sf] j}w /fxbfgL, ;f] /fxbfgLdf nfu]sf] cfk|jf; le;f / g]kfn b]lv g} z'?

x'g] sGkmD8{ xjfO{ l6s6sf] k|ltlnlk clgjfo{?kdf lnO{ o:tf] ;6xL ;'ljwf pknAw u/fpg' kg]{5 .

pbfx/0fsf] nflu s]xL ljsl;t d'n'sx¿sf] cfk|jf; le;fsf] ljj/0f b]xfo cg'?k 5g .

d'n's le;fsf] lsl;d

;+o'Qm /fHo cd]l/sf Immigrant Visa

Sofg8f Immigrant Visa

a]nfot Visa Highly Skilled Migrant Programme / Visa Settlement-AF

ci6]«lnof Permitted to remain in Australia Indefinitely n]lvPsf] Visa

-3_ o:tf] ;6xL ;'ljwf pknAw u/fPsf] /sd :ki6 b]lvg] u/L ;DalGwt Joltmsf] /fxbfgL / sGkmD8{

xjfO{ l6s6df b/kL7 u/L ;f] sfuhftsf] k|ltlnlk clen]vsf] nflu /fVg' kg]{ 5 .

-ª_ o; k|sf/sf] ;6xL ;'ljwf pknAw u/fPsf] ljj/0f dfl;s ?kdf dlxgf Joltt ePsf] & lbg leq

o; ljefudf pknAw u/fpg' kg]{5 .

126

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M)(÷@)&^

pRr lzIff cWoogsf] nflu kl/jTo{ ljb]zL d'b|f ;6xL ;DaGwL Joj:yf

pRr lzIff cWoog ug{ ljb]z hfg] tyf cWoog/t ljBfyL{x¿nfO{ cfjZos kg]{ kl/jTo{ ljb]zL d'b|f

sf] ;6xL cg'dlt k|bfg ug]{ ;DaGwdf b]xfo cg';f/sf] Joj:yf ul/Psf] x'Fbf ;f]xL adf]lhd ug'{ u/fpg' x'g

ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6« a}+s, a}+ls+Ë

sfof{no nufot ;Dk"0f{ sfof{nox¿ tyf Ohfhtkqk|fKt æsÆ / ævÆ ju{sf /fli6«o :t/sf ljsf;

a+}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

!= ef/t afx]ssf cGo d'n'sx¿df cWoogsf] nflu lbOg] ;6xL ;DaGwL Joj:yf M

-s_ g]kfn ;/sf/, lzIff dGqfnon] ljBfyL{nfO{ lghL vr{df ljb]z cWoog ug{ hfg] k|of]hgsf] nflu

Any Bank pNn]v u/L æk|yd k6s ;6xLsf] nflu a}+s k|ltÆ egL 5fk nfu]sf] No Objection Letter sf] ;Ssn k|lt g} ;+nUg x'g'kg]{ 5 .

-v_ o:tf] ;6xL ;'ljwf pknAw u/fpg' cl3 ljBfyL{sf] gfddf hf/L ePsf] ;DalGwt z}lIfs ;+:yfsf]

le;f ;DaGwL zt{ ;lxtsf] kq jf le;f;+Fu ;DalGwt lgsfoaf6 k|fKt ePsf] kqsf] k|dfl0ft

k|ltlnlk ;+nUg x'g'kg]{5 . o:tf] sfuhft k]z ubf{ dfu u/]sf] ljb]zL d'b|f /sdnfO{ k'li6 ug]{

;DalGwt z}lIfs ;+:yfsf] kq, Brochures, Invoice, I-20 kmd{ cflb h:tf Supporting

Documents / /fxbfgLsf] k|ltlnlk lgj]bg ;fy ;+nUg x'g'kg]{5 . le;f k|fKt x'g' cufj} o:tf]

;6xL ;'ljwf k|bfg ug{'kg]{ cj:yfdf lgj]bsn] le;f gnfu]df ;f] /sd lkmtf{ ug]{ k|ltj4tf /

lhDd]jf/L lnPsf] :j3f]if0ff ug{{'kg]{5 .

-u_ e'QmfgL kfpg] z}lIfs ;+:yfsf] gfd, 7]ufgf / o;} kl/kqsf] bkmf ! sf] v08 -s_ df plNnlvt

lzIff dGqfnosf] No Objection Letter df pNn]v ePsf] z}lIfs ;+:yfsf] gfd, 7]ufgf, cWoogsf]

ljifo / tx nufotsf ljifodf Ps?ktf x'g'kg]{ 5 .

-3_ o;/L Supporting Documents n] cWoog ug{ hfg] jf cWoog/t k'li6 x'g] b]lvP kl5 dfq

ljb]zl:yt ;DalGwt z}lIfs ;+:yfsf] gfddf e'QmfgL x'g] u/L To:tf] ljb]zL d'b|f /sd

8«fk\m6÷l6=6L=÷:jLk\m6 6«fG;km/sf] dfWodaf6 dfq ;6xL ;'ljwf pknAw u/fpg' kg]{5 .

t/ ljdf z'Ns e'QmfgL ug'{kg]{ eP ljb]zl:yt ljdf sDkgLsf] g]kfndf btf{ ePsf Ph]G6dfkm{t

;DalGwt ljdf sDkgLsf] gfddf jf ljb]zl:yt ;DalGwt z}lIfs ;+:yfsf] gfddf e'QmfgL x'g]

u/L To:tf] ljdf z'Nsjfktsf] ljb]zL d'b|f /sd 8«fk\m6÷l6=6L=÷:jLk\m6 6«fG;km/sf] dfWodaf6

;6xL ;'ljwf pknAw u/fpg ;lsg]5 .

-ª_ lgjf{x vr{sf] xsdf v08 -v_ adf]lhd k]z x'g cfPsf] ;DaGwL sfuhftx¿ -Supporting Documents) x]/L ljBfyL{af6 lgjf{x vr{ afktsf] /sd cfjZos 5 egL dfu u/]sf] v08df

lgjf{x vr{ -Living Expenses, Accommodations cflb_ afktsf] ;6xL ;'ljwf ljBfyL{sf] gfddf

pknJw u/fpg' kg]{5 . o;/L ;6xL ;'ljwf pknAw u/fp+Fbf lgDgfg';f/ ug'{ kg]{5 M–

127

-c_ lzIf0f ;+:yfsf] gfddf lzIf0f z'Ns -Tuition Fee) cf+lzs e'tmfgL u/]sf]÷;6xL u/]sf]

b]lvPdf Supporting document cg';f/ jflif{s ¿kdf nfUg] s'n /sdsf] a9Ldf %)

k|ltzt dfq ^ dlxgfsf] cjlwdf Psd'i7 jf k6s÷k6s u/]/ pknAw u/fpg ;lsg]5 .

-cf_ ;DalGwt z}lIfs ;+:yfaf6 lzIf0f z'Nsdf k"0f{ 5fqj[lQ k|fKt u/]sf] k'li6 x'g] sfuhft

k]z u/]df pkv08 -c_ cg';f/ lzIf0f z'Ns e'tmfgL ug'{ gkg]{ t/ cf+lzs 5fqj[lQ k|fKt

ePsf] v08df z}lIfs ;+:yfsf] zt{ adf]lhd s'n e'QmfgL ug'{kg]{ lzIf0f z'Ns lgwf{l/t

cjlwleq e'QmfgL u/]sf] x'g'kg]{ 5 .

-O_ dfly pkv08 -c_ df h'g;'s} s'/f pNn]v ePtfklg cWoog ug{ hfg] jf cWoog u/L

/x]sf] lzIf0f ;+:yf jf ;DalGwt b]zsf] /fhb"tfjf;af6 lzIf0f z'Ns, lgjf{x vr{ / cGo

vr{ ;d]t v'nfO{ /sd g} ls6fg u/L ljBfyL{sf] gfddf ;6xL ;'ljwf pknJw u/fpg

kqaf6 cg'/f]w eO{ cfPsf] v08df kqdf pNn]lvt k"/} /sdsf] ;6xL ;'ljwf ljBfyL{s}

gfddf pknJw u/fpg ;lsg]5 . t/, ljBfyL{n]] sn]hsf] lzIf0f z'Ns afkt JolQmut

gfddf ;6xL lnPsf] kl/jTo{ ljb]zL d'b|f sn]hdf a'emfPsf] k|df0f k]z u/]kl5 dfq csf]{

ls:tfsf] ;6xL ;'ljwf k|bfg ug{'kg]{ 5 .

-O{_ ljb]zdf cWoog ug{ hfg] jf cWoog/t ljBfyL{sf] le;f (Student Visa) k|flKt jf

gjLs/0f / lgjf{x tyf lzIf0f z'Nssf] nflu ;DalGwt d'n'ssf] ;/sf/L lgsfo jf

;DalGwt lzIf0f ;+:yfn] ljBfyL{s} vftf÷gfddf lglZrt /sd b]vfpg} kg]{ k|fjwfg

/fv]sf] cj:yfdf To:tf] k|fjwfg /x]sf] k'li6 x'g] sfuhftsf] cfwf/df cfjZos /sdsf]

;6xL pknJw u/fpg ;lsg]5 . o:tf] ;6xL ;DalGwt ljBfyL{nfO{ cfjZos kg]{

/sd;Dd dfq k|bfg ug'{ kg]{5 . t/, ljBfyL{sf] cfkmGt÷kl/jf/÷cfl>t (Dependent) sf] nflu o:tf] ;6xL k|bfg ug{ ldNg]5}g .

-p_ l8k]G8]G6 le;fdf hfg] ljBfyL{sf kl/jf/sf ;b:ox¿nfO{ le;f / ljb]zdf clgjfo{ ljdf

ug{'kg]{ eP z}lIfs ;+:yf jf ;/sf/L lgsfo / ljdf sDkgLsf] sfuhftsf] cfwf/df le;f

/ ljdf z'Ns afktsf] ;6xL ;'ljwf k|bfg ug{ ;lsg]5 . o;/L l8k]G8]G6 le;fdf hfg]

ljBfyL{sf kl/jf/sf ;b:ox¿sf] Psn jf ;+o'Qm ?kdf ul/g] ljdf z'Ns jfktsf] /sd

ljb]zl:yt ljdf sDkgLsf] g]kfndf btf{ ePsf Ph]G6dfkm{t ;DalGwt ljdf sDkgLsf]

gfddf e'QmfgL x'g] u/L ;6xL ;'ljwf k|bfg ug{ ;lsg]5 .

-pm_ ;DalGwt lzIf0f ;+:yfn] lzIf0f÷lgjf{x z'Nssf] e'QmfgL :jo+sf] gfddf dfFu gu/L

cfk"m4f/f lgo'Qm cGo ;+:yf÷Ph]G;Lsf] gfddf k7fpg' kg]{ pNn]v÷cg'/f]w u/]sf]

cj:yfdf Joxf]/f k'li6 x'g] sfuhftsf] cfwf/df o:tf] z'Ns cGo ;+:yf÷Ph]G;Lsf]

gfddf e'QmfgL ug{ ;d]t ;6xL k|bfg ug{ ;lsg]5 .

-P_ ;DalGwt lzIf0f ;+:yfn] g]kfnsf] ljb]zL ljlgdo ahf/df pknJw gx'g] cfkmgf] :yfgLo

d'b|fd} lzIf0f z'Ns e'QmfgL ug'{ kg]{ k|fjwfg /x]sf] Joxf]/f k|dfl0ft x'g] cflwsfl/s

sfuhft hf/L u/]sf] cj:yfdf ;DalGwt lzIf0f ;+:yfnfO{ lzIf0f z'Ns e'QmfgL u/]sf]

k|df0f kl5 k]z ug'{ kg]{ zt{df To:tf] :yfgLo d'b|f a/fa/sf] x'g] cd]l/sL 8n/ jf cGo

kl/jTo{ ljb]zL d'b|fsf] ;6xL ljBfyL{s} gfddf k|bfg ug{ ;lsg]5 . cl3Nnf] k6s o:tf]

;6xL lnO{ lzIf0f z'Ns e'Qmfg u/]sf] k|df0f k]z gug]{ ljBfyL{sf] gfddf To:tf] k|df0f

k]z gu/];Dd csf]{ ;6xL k|bfg ug{ ldNg] 5}g .

-P]_ ;+o'Qm /fHo cd]l/sfsf] Education Commission for Foreign Medical Graduates (ECFMG) n] ;~rfng ug]{ United States Medical License Examination (USMLE) tyf cGo b]zsf cflwsfl/s lgsfox¿n] ;~rfng ug]{ o:t} k|s[ltsf Joj;flos

k/LIffdf ;fd]n x'g hfg] ljBfyL{x¿sf] nflu g]kfn ;/sf/, lzIff dGqfnon] hf/L ug]{

128

dfly bkmf -s_ adf]lhdsf] No Objection Letter sf] cfwf/df kl/kqsf] v08 -5_ df

plNnlvt /sd;Dd Psd'i6 ljBfyL{sf] gfddf pknAw u/fpg ;lsg]5 .

-r_ ljb]zdf cWoog/t ljBfyL{nfO{ bf];|f] k6sb]lv ;6xL ;'ljwf cfjZos k/L ljBfyL{ cfk}mn] jf

lghsf cleefjs÷cfkmGtn] cfˆgf] kl/ro v'Ng] s'g} sfuhft ;+nUg u/L ;6xL ;'ljwfsf] nflu

cg'/f]w u/]df z'¿df ;6xL ;'ljwf kfpg cg'/f]w ubf{sf] cj:yfdf ljBfyL{ kl9/x]sf] k|dfl0ft x'g]

;DalGwt z}lIfs ;+:yfn] k|bfg u/]sf] sfuhft jf ljBfyL{sf] z}lIfs ;+:yf;F+u ;DalGwt Valid kl/rokq jf kl9/x]sf] Joxf]/f :ki6 v'Ng] cGo s'g} cBfjlws k|df0fsf] cfwf/df dfq o:tf]

;6xL ;'ljwf k|bfg ug'{ kg]{5 .

-5_ lgjf{x vr{ egL Supporting Documents df /sd gv'n]sf] cj:yfdf ljBfyL{/cleefjs/

cfkmGtaf6 lgjf{x vr{ dfu ePsf] cj:yfdf v08 -ª_ df plNnlvt cGo k|s[ofx¿ k"/f u/L

lgDgfg';f/sf] lgjf{x vr{ k|bfg ug{ ;lsg]5 M–

qmd ;+Vof b]zsf] gfd Jfflif{s ¿kdf kfpg] clwstd

lgjf{x vr{ -cd]l/sL 8n/df_

1 a+unfb]z, kfls:tfg @,%)).))

2 rLg, dn]lzof, yfONof08, lkmlnlkG; $,))).))

3 l;+ufk'/, blIf0f sf]l/of ^,))).))

4 Sofg8f, cd]l/sf, ci6«]lnof, o'/f]lkog d'n's *,))).))

5 cGo b]zx¿ %,))).))

-h_ olb ljBfyL{n] z'¿df k]z u/]sf] sfuhftaf6 b]lvg cfpg] Tuition Fee / lgjf{x vr{ afktsf]

/sdeGbf a9L /sdsf] ;6xL ;'ljwf dfu u/]df, To;/L j[l4 ePsf] /sdnfO{ k'li6 x'g] sfuhft

clgjfo{ ¿kdf k]z ug{'kg]{5 .

-em_ cWoog ;+:yfsf] gfddf ag]sf] 8«fk\m6÷l6=6L=÷:jLk\m6 cflb /2 ug{ cg'/f]w u/]df ljBfyL{

cWoogsf] nflu ljb]z ghfg] ePdf Living Expenses jf cGo e}k/L cfpg] vr{ lnO{ ;s]sf] eP

;f] /sd lkmtf{ ug{ nufP/ dfq / cGo cj:yfdf tn plNnlvt s'g} Ps sf/0f k/]df To:tf]

8«fkm\6÷l6=l6÷:jLkm\6 cflb a}+s tyf ljQLo ;+:yf :jo+n] /2 ug{ ;Sg]5g\ .

-c_ ;DalGwt d'n'ssf] /fhb"tfjf;af6 le;f k|fKt gePsf] k|df0f k]z u/]df,

-cf_ ;DalGwt lzIf0f ;+:yfsf] gfddf cGo ;|f]taf6 lzIf0f z'Ns e'QmfgL u/]sf] k|df0f k]z

u/]df

-O_ lzIf0f ;+:yf kl/jt{g u/L csf]{ lzIf0f ;+:yfsf] gfddf lzIf0f z'Ns e'QmfgL u/]sf]

k|df0f k]z u/]df .

t/, kl/jlt{t lzIf0f ;+:yfsf] gfddf lzIf0f z'Ns e'QmfgL ug'{ kg]{ ePdf g]kfn ;/sf/,

lzIff dGqfnoaf6 lzIf0f ;+:yf kl/jt{gsf] l:js[lt clgjfo{ ¿kdf lnPsf] x'g'kg]{ 5

-O{_ 8«fkm\6 l6=l6= sf] Dofb ;dfKt eO{ pNn]lvt /sd ;f]xL lzIf0f ;+:yfnfO{ g} k'gM k7fpg'

k/]df

-p_ Jojxfl/s sf/0fjz ljBfyL{ cWoogsf] nflu hfg g;Sg] cj:yf k/L sf/0f ;lxt

lgj]bg lbPdf .

t/ le;f kfO{ ;s]kl5 hd{gL nufot lzIf0f z'Ns gnfUg] /fi6«sf] ;DalGwt /fhb"tfjf;sf] kqsf]

cfwf/df ag]sf 8«fk\m6÷l6=6L=÷:jLk\m6 cflb /2 ug{ eg] o; ljefusf] :jLs[lt lng' kg]{5 .

-`_ bf];|f] k6s b]lv lzIf0f z'Ns tyf lgjf{x z'Ns jfktsf] /sd ;6xLsf] nflu cg'/f]w eO cfPdf

k|yd k6s ;6xL k|bfg u/]sf] a}+sdf /x]sf] g]kfn ;/sf/, lzIff dGqfnsf] No Objection

129

Letter sf] ;Ssn a}+s k|ltdf /x]sf] clen]vsf] cfwf/df bf]xf]/f] e'QmfgL gx'g] u/L ;f]xL a}+saf6

/sd k7fpg afwf kg]{ 5}g .

@= ef/tdf cWoogsf] nflu M

-s_ ef/tl:yt ljZjljBfno÷sn]hn] cGt/f{li6«o k|lt:kwf{ u/fO{ egf{ lng 5'6\ofPsf] z}lIfs sf]6f

cGt/ut ef/tdf cWoog ug{ hfg] g]kfnL ljBfyL{sf] nflu cfjZos kg]{ lzIf0f z'Ns b]xfosf

zt{ k"/f ePsf] cj:yfdf cd]l/sL 8n/df ;d]t e'QmfgL ug{ ;6xL k|bfg ug{ ;lsg]5 .

-!_ o;} kl/kqsf] bkmf ! sf] v08 -s_, -u_, -3_, -r_, -h_ / bkmf !-v_ sf] le;f / /fxbfgL

afx]ssf zt{x¿ k"/f ePsf] x'g' kg]{ 5 .

-@_ ef/tl:yt ljZj ljBfno÷sn]hn] cd]l/sL 8n/d} lzIf0f z'Ns lng] u/L cGt/f{li6«o

k|lt:kwf{sf] nflu 5'6\ofPsf] z}lIfs sf]6f cGt/ut cWoog ug{ :jLs[lt kfPsf] x'g' kg]{

5 .

-#_ lzIf0f z'Ns ef/tLo ?k}ofF afx]s cd]l/sL 8n/ jf cGo kl/jTo{ ljb]zL d'b|fd} dfq

e'QmfgL ug'{ kg]{ Joxf]/f k|dfl0ft x'g' kg]{ 5 .

-$_ lzIf0f z'Ns afkt ;DalGwt ljZjljBfno÷sn]hn] pNn]v u/] adf]lhdsf] /sd ;f]xL

z}lIfs ;+:yfn] dfq kfpg] u/L ;6xL k|bfg ug'{ kg]{ 5 .

-%_ lgjf{x vr{ afkt cfjZos kg]{ /sd ef/tLo ¿k}ofFdf dfq k|bfg ug'{ kg]{ .

-v_ b]xfosf zt{x¿ k"/f ePsf] cj:yfdf ef/tdf cWoog ug]{ ljBfyL{, lghsf] cleefjs÷afa'÷

cfdfsf] gfddf kl/jTo{ ljb]zL d'b|fsf] vftf ePdf o:tf] vftfsf] df}Hbftn] EofP;Dd lzIf0f

z'Ns cd]l/sL 8n/df e'QmfgL ug]{ k|of]hgsf] nflu ljb]zL d'b|f vftf vr{ ug{ ;lsg]5 .

-!_ dfly bkmf @ sf] v08 -s_ sf] !, #, $ / % df plNnlvt zt{x¿ k"/f ePsf] x'g' kg]{5 .

-@_ ljBfyL{ :jo+sf] ljb]zL d'b|f vftf geO{ cleefjs÷afa'÷cfdfsf] vftfaf6 vr{ ug'{ k/]df

gftf k|dfl0ft x'g] sfuhft k]z x'g' kg]{ 5 .

-#_ o; Joj:yf adf]lhd lzIf0f z'Ns e'QmfgLsf] nflu ;DalGwt JolQmsf] vftf vr{ ug{]

afx]ssf] yk ;6xL ;'ljwf k|bfg ug{ ldNg] 5}g .

-u_ dfly bkmf @ sf] -s_ / -v_ adf]lhd lzIf0f ;+:yfsf] gfddf ag]sf] 8«fkm\6÷l6=l6÷:jLkm\6 cflb

s'g} klg sf/0fn] /2 ug'{ k/]df ;DalGwt a}+s÷ljQLo ;+:yf :jo+n] /2 ug{ ;Sg]5g\ .

#= ljljw Joj:yf M

-s_ of] kl/kq hf/L x'g' k"j{ g]kfn ;/sf/, lzIff dGqfnon] o; a}+snfO{ ;Daf]wg u/L n]v]sf]

l;kmf/L; kqsf] cfwf/df ljb]zdf cWoog/t ljBfyL{nfO{ cfjZos kg]{ lgjf{x afktsf] /sdsf]

;6xL ;'ljwf pknAw u/fOlbg elg ljBfyL{ jf lghsf cleefjs÷cfkmGtn] cg'/f]w u/]df o;

a}+saf6 pknAw u/fO{g] k|dfl0ft sfuhft tyf ljj/0fsf] cfwf/df o;} kl/kqsf] cwLgdf /xL

To:tf] ;6xL ;'ljwf pknAw u/fpg' kg]{5 .

-v_ dfly plNnlvt Joj:yf cg';f/ k|To]s k6s ;6xL ;'ljwf k|bfg u/]sf] :ki6 b]lvg] u/L k|To]s

ljBfyL{sf] 5'§f5'§} clen]v -ljB'tLo jf cGo pko'tm dfWodaf6_ /fVg' kg]{5 .

-u_ s'g} Ps a}+s÷ljQLo ;+:yfaf6 ;6xL ;'ljwf lnO{/x]sf ljBfyL{ jf lghsf cleefjs÷cfkmGtn]

lnlvt cg'/f]w u/L cGo a}+s÷ljQLo ;+:yfaf6 ;6xL ;'ljwf lng rfx]df cfk\mgf] clen]vdf

ePsf sfuhft tyf pknAw u/fPsf] ;6xL ;'ljwf ;DaGwL ;Dk"0f{ ljj/0f k|dfl0ft u/L

;DalGwt kIfnfO{ pknAw u/fpg' kg]{5 .

-3_ o;/L k|bfg u/]sf] ;6xL ;'ljwfsf] ljj/0f g]kfn /fi6« a}+s, cg';Gwfg ljefu, zf]wgfGt/ zfvfdf

cg';"rL @ kmf=g+=g]=zf] @ -s_ sf]8 g+=!@)%)) lzIff zLif{sdf pNn]v u/L clgjfo{¿kn] dfl;s

¿kdf k7fpg' kg]{5 .

130

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M!)÷@)&^

g]kfnL gful/sn] gub} /fVg / ;6xL ug{ ;Sg] gub kl/jTo{ ljb]zL d'b|fsf ;DaGwdf

g]kfnL gful/sn] gubdf /fVg ;Sg] tyf ;6xL ug{ ;Sg] gub kl/jTo{ ljb]zL d'b|fsf ;DaGwdf b]xfo

adf]lhdsf] Joj:yf ul/Psf]n] ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u

u/L g]kfn /fi6« a}+s, a}lsË sfof{no nufotsf cGo sfof{nox¿ Pjd\ Ohfhtkqk|fKt æsÆ / /fli6«o:t/sf

ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

!= g]kfnL gful/sn] gubdf /fVg ;lsg] kl/jTo{ ljb]zL d'b|fsf ;DaGwL Joj:yf .

g]kfnL gful/sn] ljb]zdf /f]huf/L jf Joj;fo u/L cfh{g u/]sf] jf ljb]z e|d0fsf nflu ;6xL

;'ljwf cGtu{t k|fKt ljb]zL d'b|fdWo] art x'g cfPsf] ljb]zL d'b|f eljiodf pkof]u ug]{ k|of]hgsf

nflu clwstd cd]l/sL 8n/ !%)) jf ;f] a/fa/sf] kl/jTo{ ljb]zL d'b|f;Dd gubdf /fVg

;Sg]5g . o:tf] /sd hlt;'s} k6ssf] >f]t ePtf klg s'ndf ;f] ;Ldf gf3\g x'g] 5}g . t/,

;DalGwt JolQmn] rfx]df To:tf] ;Dk"0f{ /sd g]kfnl:yt a}+sdf ljb]zL d'b|fsf] vftf vf]nL /fVg eg]

;Sg]5g .

@= gub kl/jTo{ ljb]zL d'b|f ;6xL ug]{{ ;DaGwL Joj:yf M

g]kfnL gful/sx¿n] cfˆgf] klxrfg v'Ng] k|df0f ;lxt gub kl/jTo{ ljb]zL d'b|f ;6xLsf] nflu

cg'/f]w u/]df b]xfo adf]lhdsf] Joj:yf cg?k k|rlnt ljlgdo b/df ;6xL ul/lbg ;lsg] 5 .

-s_ o:tf] ;6xL ubf{ Ps k6sdf cd]l/sL 8n/ #,))).– -tLg xhf/_ jf ;f] a/fa/ x'g] cGo

kl/jTo{ ljb]zL d'b|f dfq ;6xL ug{ ;lsg]5 .

-v_ ;6xL ug{ Nofpg] JolQm;Fu ;+nUg cg';"rL !)=! adf]lhdsf] lgj]bg lng' kg]{5 .

-u_ lgj]bg ;fy ;DalGwt JolQmsf] klxrfg v'Ng] k|df0fsf] ?kdf gful/stfsf] k|df0fkq jf g]kfn

;/sf/sf] s'g} lgsfo jf /f]huf/bftf lgsfon] hf/L u/]sf] kmf]6f] ;lxtsf] kl/rokqsf]

k|ltlnlkdf lgj]bsn] g} k|dfl0ft u/fO{ lng' kg]{5 .

-3_ ljb]zL d'b|f ;6xL u/]sf] k|df0f :j?k cGo lsl;dsf] /l;b jf FEER (Foreign Exchange

Encashment Receipt) clgjfo{ ?kdf hf/L u/L ljb]zL d'b|fsf] vl/b clen]vdf ;d]t b]vfO

g]kfnL ?k}ofdf dfq e'QmfgL ug'{ kg]{5 .

-ª_ o:tf] ljb]zL d'b|faf6 ;DalGwt JolQmsf] ljb]zL d'b|f vftf vf]Ng jf e}/x]sf] To:tf] vftfdf

hDdf ug{ ldNg] 5}g .

-r_ o;/L ;6xL u/]sf] kl/jTo{ ljb]zL d'b|fsf] gf]6 klxrfg ug]{ tyf kl5 hfnL (Counterfeit) 7xl/Pdf ;DalGwt JolQm;Fu ;f]wegf{ u/fpg] bfloTj / lhDd]jf/L ;6xL ul/lbg] lgsfos}

x'g]5 .

-5_ ;6xL u/]sf] ljb]zL d'b|fsf] gf]6 hfnL (Counterfeit) 7xl/Pdf ;DalGwt kIf;Fu /sd lkmtf{

lng' kbf{ e'QmfgL lbPsf] /sd eGbf a9L x'g] u/L lkmtf{ lng kfOg] 5}g .

-h_ o:tf] ;6xL sf/f]jf/ ubf{ s'g} JolQmsf] sf/f]jf/ / >f]t z+sf:kb b]lvPdf k|rlnt Joj:yf

adf]lhd g]kfn /fi6« a}+s, ljQLo hfgsf/L OsfO{df hfgsf/L u/fpg' kg]{5 .

131

-em_ g]kfnL gful/sx¿nfO{ ljb]zL Oi6ldq / u|fxsx¿af6 pkxf/, l6K; cflb afkt k|fKt x'g]

ljb]zL d'b|f ;6xL ug{ dfu eO{ cfPdf u|fxssf] klxrg v'Ng] sfuhfu lnO{ Psk6sdf

cd]l/sL 8n/ %)).– -kfFr ;o_ jf ;f] a/fa/ x'g] cGo kl/jTo{ ljb]zL d'b|f Ohfhtkqk|fKt

dlgr]~r/x¿af6 klg ;6xL ug{ ;lsg]5 . o;/L ;6xL ubf{ FEER hf/L ug{'sf ;fy} kl/jTo{

ljb]zL d'b|f ;6xL ug{ cfpg] JolQm;Fu cg';"rL !)=@ adf]lhdsf] @ k|lt :jM3f]if0ffkq eg{

nufO{ ;f]sf] ! k|lt dlgr]~h/n] k|dfl0ft u/L ;6xL ug{ cfpg] JolQmnfO{ clen]vsf] nflu

lbg' kg]{5 .

132

cg';"rL !)=!

-O=k|f= kl/kq ;+VofM !) sf] bkmf @-v_ sf] k|of]hgsf] nflu_

->L a}+s ljQLo÷ ;+:yf_

-7]ufgf_

ljifoM ljb]zL d'b|f ;6xL u/L lbg] .

dxfzo,

dnfO{ b]xfo adf]lhd ljb]zL d'b|f k|fKt ePsf]n] lgodfg';f/ ;6xL u/L lbg' x'g cfkmgf] klxrfg

v'Ng] kl/rokqsf] k|ltlnlk ;d]t ;+nUg u/L cg'/f]w u/]sf] 5' . pQm ljb]zL d'b|f gSsnL 7xl/Pdf ;6xL

lnPsf] /sd lkmtf{ a'emfpg] 5' .

ljb]zL d'b|fsf] lsl;d gf]6sf] gDj/ b/ k|fKt k|of]hg k|fKt ;|f]t

ejbLo,

b:tvtM

k"/f gfdM

7]ufgfM

kmf] g+=

df]jfOn g+=

kl/rokqsf] lsl;d

kl/rokqsf] gDj/M

133

cg';"rL !)=@

-O=k|f=kl/kq ;+Vof !) sf] bkmf @-em_ sf] k|of]hgsf] nflu_

-of] kmf/fd @ k|lt tof/ ug{' kg]{5 . ! k|lt sfof{nodf / Ps k|lt ;DalGwt JolQmnfO{ clen]vsf] nflu lbg' kg]{5 ._

>L ===============dlgr]~h/

=========================7]ufgf

ljifo M :jM3f]if0ff ;DaGwdf

dxfzo,

dnfO{ ljb]zL ko{6s÷/f]huf/bftfaf6÷Oi6ldqaf6 pkxf/, bfg, l6K; afkt k|fKt x'g cfPsf] ljb]zL

d'b|f lgodfg';f/ k|fKt ePsf] xf] . oL ljb]zL d'b|fx¿ s'g} u}/ sfg"gL ;|f]taf6 k|fKt ePsf] xf]Og egL

:jM3f]if0ff ub{5' . ;fy}, ljb]zL d'b|f gSsnL 7xl/Pdf ;6xL afkt lnPsf] /sd lkmtf{ a'emfpg] 5' .

l;=g+= ljb]zL d'b|fsf] lsl;d gf]6sf] gDa/ b/ k|fKt ;|f]t

;6xL ul/lbg] dlgr]~h/sf] gfd M lgj]bs,

cflwsfl/s JolQmsf] b:tvt M b:tvtM

5fk M k"/f gfdM

7]ufgf M

kmf]g g+=

134

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M!!÷@)&^

g]kfn ;/sf/ nufot ljleGg lgsfonfO{ cfjZos kg]{ ljb]zL d'b|fsf] ;6xL ;'ljwf ;DaGwdf .

g]kfn ;/sf/sf ljleGg lgsfonfO{ cfjZos kg]{ ljb]zL d'b|fsf] ;6xL ;'ljwf ;DaGwdf lgDg

adf]lhdsf] Joj:yfsf] cwLgdf /xL sf/f]jf/ ug{ o; a}+sn] ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!(

-;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] g]kfn /fi6« a}+s, a}lsË sfof{no Pjd\

Ohfhtkqk|fKt æsÆ / /fli6«o:t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

!= ljleGg lgsfonfO{ cfjZos kg]{ ljb]zL d'b|fsf] ;6xL ;'ljwf ;DaGwdf M

lgDg lnlvt lgsfox¿n] ljleGg k|of]hg -h:t}M dfn j:t' jf pks/0f cfoft, ;b:otf z'Ns, ;]jf

z'Ns, dd{t z'Ns, lj1fkg, jfo'ofgx¿sf] ef8f jf lnh jf lnh kr]{hsf] e'QmfgL, OlGhgsf] /]06n

rfh{, k]m/L ˆnfO{6 vr{, hxfhsf] OlGhg tyf kf6{k'hf{x¿sf] dd{t tyf cf]e/xn z'Ns, :6n ef8f,

k|;f/0f ;]jf z'Ns, 6«fG;kf]08/ z'Ns, eL:of6 z'Ns, 8fFs ;]jf z'Ns, 5kfO{ z'Ns, 8]d'/]h rfh{,

sfg"gL ;]jf z'Ns, b}lgs tyf e|d0f eQf, k/fdz{ ;]jf z'Ns, k|fljlws ;]jf z'Ns_ sf] nflu ljb]zL

d'b|fsf] ;6xL ;'ljwf dfu u/]df b]xfodf pNn]lvt zt{x¿sf] cwLgdf /xL To:tf] ;6xL ;'ljwf

txfFaf6 ;f]e}m k|bfg ug{ ;Sg] Joj:yf ul/Psf] 5 .

-s_ g]kfn ;/sf/sf dGqfno, ljefu, sfof{nox¿, ;Da}wflgs lgsfo cflb

-v_ g]kfnL ;]gf

-u_ g]kfn k|x/L

-3_ z;:q k|x/L

-ª_ g]kfn jfo';]jf lgud

-r_ g]kfn cfon lgud

-5_ g]kfn ljB't k|flws/0f

-h_ /]l8of] g]kfn

-em_ g]kfn 6]lnlehg

-`_ /fli6«o ;dfrf/ ;ldlt

-6_ g]kfn gful/s p8\8og k|flws/0f

-7_ g]kfn b"/;~rf/ k|flws/0f

-8_ lqe'jg ljZjljBfno

-9_ /fli6«o v]ns"b kl/ifb

-0f_ Jofkf/ tyf lgof{t k|j4{g s]Gb|

-t_ g]kfn ko{6g af]8{

-y_ g]kfn 6]lnsd

zt{x¿ M

-!_ dfu ePsf] ;6xL /sdnfO{ k'li6 ug]{ ;Demf}tf (Agreement) jf aLhs (Invoice) jf cGo

Documentary Evidence clgjfo{ ?kn] ;+nUg u/]sf] x'g'kg]{5 .

135

-@_ o:tf] ;6xL ;'ljwfsf] e'QmfgLsf] dfWod ;DalGwt lgsfosf] dfu adf]lhd Psfp06k]oL

8«fˆ6 jf l6=l6= jf Pn=;L x'g]5 .

-#_ dfn j:t' cfoft ug]{ k|of]hgsf] nflu 8«fkm\6 l6=l6= dfkm{t cfoft ug{ kfOg] ;Ldf eGbf

a9Lsf] xsdf k|rlnt Joj:Yff cGtu{t /xL k|tLtkqsf] dfWodaf6 dfq k|bfg ug'{ kg]{5 .

-$_ clkml;on e|d0fsf] l;nl;nfdf ef/t afx]s t];|f] d'n's hfg] ;DalGwt lgsfosf

JolQmx¿sf] nflu k|bfg ul/g] b}lgs e|d0f eQf jf e}kl/ vr{ jf e|d0f vr{ afktsf]

/sdsf] xsdf ;DalGwt lgsfosf] dfu adf]lhd e'QmfgL k|bfg ug'{kg]{5 .

-%_ k|rlnt Joj:yf cg';f/ s/ nfUg] lsl;dsf e'QmfgL -h:t}M jfo'ofgsf] lnh jf ef8f,

/f]oN6L, sld;g, k|fljlws ;]jf z'Ns, k/fdz{ ;]jf z'Ns, k|;f/0f ;]jf z'Ns, tflnd z'Ns /

cGo s'g} klg ;]jf z'Ns (Service Charge), dd{t tyf cf]e/xn z'Ns, lj1fkg cflb_ sf]

xsdf lgodfg';f/ nfUg] clu|d cfos/ hDdf u/]sf] k|dfl0ft sfuhft clgjfo{ ?kn] ;+nUg

u/]kl5 dfq To:tf] ;6xL ;'ljwf k|bfg ug'{ kg]{5 .

-^_ ljb]zdf nuL dd{t tyf cf]e/xn u/]sf dfn j:t', kf6{k'hf{ jf pks/0f cflbsf] dd{t tyf

cf]e/xn z'Ns afktsf] /sd e'QmfgL ug'{ k"j{ tL ;fdfgx¿ ;DalGwt d'n's k7fpFbfsf]

lgof{t k|1fkgkq, Po/j] aLn / eG;f/ dxz'n bflvnf u/]sf] lg:;f clgjfo{ ?kn] ;+nUg

u/]sf] x'g'kg]{ 5 . ;fy}, dd{t tyf cf]e/xn eO{ g]kfn lelqPkl5 ;f]sf] eG;f/ k|1fkgkq

klg clgjfo{ ?kn] k]z ug{ nufpg' kg]{5 .

-&_ e'QmfgL k7fpFbf ;DalGwt Beneficiary sf] gfpFdf dfq e'QmfgL k7fpg' kg]{5 .

-*_ o:tf] ;6xL ;'ljwfsf] Beneficiary ljb]zl:yt sfof{no, ;+3, ;+:yf g} x'g'kg]{5 . ljb]zl:yt

JolQm ljz]ifnfO{ Beneficiary agfpg ldNg] 5}g . t/ cGt/fli6«o k|lt:kwf{jf6 5gf}6 ePsf

;+o'Qm pks|d, ljb]zL sDkgL, sfof{no, ;+3, ;+:yfn] ljb]zL d'b|f /sd g]kfnl:yt a}+s tyf

ljQLo ;:yfdf /x]sf] ljb]zL d'b|f vftfdf /fVg eg] ;Sg] 5g\ .

-(_ dfnj:t' cfoft ug]{ k|of]hgsf] nflu k|rlnt Joj:yf cGtu{t lj=lj=lg=kmf/fdx¿ hf/L ug'{

kg]{5 .

-!)_ of] Joj:yf cGtu{tsf] ;6xL ;'ljwfaf6 ef/tdf e'QmfgL ug{ ldNg] 5}g .

-!!_ g]kfn 6]lnsdsf] xsdf eg] Signaling, Interconnection, Bandwidth, Roaming, Membership

fee nufotsf b'/;~rf/ ;DaGwL ;]jfx¿sf] ljb]zdf e'StfgL k7fpFbf cd]l/sL 8n/ %)

xhf/ jf ;f] a/fa/sf] x'g] cGo kl/jTo{ ljb]zL d'b|f;Dd dfq e'StfgL ug{ ;lsg]5 .

@= a}+lsË sfof{no dfkm{t ;f]em} ;6xL k|bfg ug{ ;lsg] M pk/f]Qmfg';f/ g]kfn ;/sf/sf

dGqfno÷ljefu÷sfof{no, g]kfnL ;]gf, g]kfn k|x/L / ;z:q k|x/Laf6 s'g}klg k|of]hgsf] nflu

ljb]zL d'b|fsf] ;6xL ;'ljwf dfu eO{ cfPdf pQm lgsfosf] dfu cg';f/sf] /sd ljb]zdf e'StfgL

k7fpg] k|of]hgsf] nflu -e'QmfgL dfWod;d]t_ g]kfn /fi6« a}+s, a}+lsË sfof{no dfkm{t ;f]em} ;6xL

k|bfg ug{ ;lsg]5 .

#= ljB't vl/b afkt g]kfn ljB't k|flws/0fn] e'QmfgL ug'{ kg]{ kl/jTo{ ljb]zL d'b|fsf] ;6xL ug]{ af/] M

ljB't vl/b ;Demf}tf (Power Purchase Agreement) sf] cfwf/df vl/b ePsf] ljB't afkt g]kfn

ljB't k|flws/0fn] laleGg cfof]hgf÷sDkgLnfO{ e'QmfgL ug{ cfjZos kg]{ kl/jTo{ ljb]zL d'b|f ;6xL

;'ljwf b]xfodf plNnlvt k|s[of k"/f u/L a}+s tyf ljQLo ;+:yf / /]ld6fG; sDkgLn] pknJw

u/fpg ;Sg] Joj:yf ul/Psf] 5 M

-s_ kl/jTo{ ljb]zL d'b|fdf e'QmfgL x'g] u/L ePsf] ljB't vl/b ;Demf}tf (Power Purchase

Agreement) sf] cfwf/df dfq ;6xL ;'ljwf pknJw u/fpg' kg]{5 .

-v_ o:tf] ;6xL ;'ljwf g]kfn ljB't k|flws/0fsf] cg'/f]w÷l;kmfl/; / ;DalGwt cfof]hgf÷

sDkgLsf] Invoice sf] cfwf/df ;DalGwt cfof]hgf÷sDkgLsf] gfddf dfq pknJw u/fpg'

kg]{5 .

136

-u_ cfjZos kl/jTo{ ljb]zL d'b|f vl/bsf] nflu k|rlnt Joj:yf cg';f/ g]kfn ljB't k|flws/0fn]

a}+s tyf laQLo ;+:yf Pjd\ o; a}+saf6 Ohfhtkqk|fKt /]ld6fG; ;DaGwL sf/f]jf/ ug]{

lgsfox¿;Fu Negotiate ug{ ;Sg]5 .

-3_ g]kfn ljB't k|flws/0fn] o; k|of]hgsf nflu /]ld6\ofG; sDkgLx¿af6 kl/jTo{ ljb]zL d'b|f

vl/b ubf{ o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfdf /x]sf] vftfdf hDdf ePsf]

kl/jTo{ ljb]zL d'b|faf6 vl/b ug{ kfpg]5g .

-ª_ o; k|of]hgsf] nflu ;6xL ;'ljwf pknJw u/fPsf] kl/jTo{ ljb]zL d'b|fsf] ljj/0f dlxgf

;dfKt ePsf] !% lbg leqdf o; ljefunfO{ pknJw u/fpg' kg]{5 .

$= kl/jTo{ ljb]zL d'b|fdf k'gaL{df lk|ldodsf] e'tmfgL ;DaGwL Joj:yf M g]kfndf ljlwjt ?kdf btf{

eO{ sf/f]jf/ ul//x]sf aLdf sDkgLx¿n] kl/jTo{ ljb]zL d'b|fdf k'gaL{ds sDkgLx¿nfO{ e'tmfgL

ug'{kg]{ k'gaL{df lk|ldodsf] ;6xL ;'ljwf b]xfodf plNnlvt Joj:yf cg'?k Ohfhtkqk|fKt æsÆ /

/fli6«o:t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿n] k|bfg ug{ ;Sg]5g .

-s_ ;DalGwt a}+s tyf ljQLo ;+:yfx¿sf] gfpFdf hf/L ePsf] æaLdf ;ldltÆ sf] ;Ssn}

l;kmfl/; kq lgj]bg;fy ;+nUg x'g'kg]{ 5

-v_ o:tf] ;6xL ;'ljwf k'gaL{df lk|ldod e'tmfgLsf] nflu dfq nfu' x'g]5

-u_ aLdf ;ldltn] l;kmfl/; u/]sf] /sdnfO{ k'li6 ug]{ ;DalGwt k'gaL{df sDkgLx¿sf]

sfuhftx¿ h:t}M 8]la6÷qm]l86 gf]6, OGEjfO; cflb ;+nUg x'g'kg]{5

-3_ e'tmfgL ug'{kg]{ /sdsf] Gross /sddf k|rlnt Joj:yf cg';f/ clu|d s/ (TDS) bflvnf

u/]sf] lg:;f lnP/ dfq ;6xL ;'ljwf k|bfg kg]{5

-ª_ of] Joj:yf cGtu{tsf] kl/jTo{ ljb]zL d'b|fsf] ;6xL ;'ljwf ef/tLo k'g{aL{df sDkgL jf

ef/tdf /x]sf s'g} klg ljb]zL k'gaL{df sDkgLnfO{ e'tmfgL ug{ ldNg] 5}g

-r_ o:tf] ;6xL ;'ljwf k|bfg u/]sf] dfl;s ljj/0f dlxgf Joltt ePsf] & lbgleq o;


137

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M!@÷@)&^

t];|f] d'n'saf6 lnPsf] ;]jfsf] e'QmfgLsf] nflu ;6xL ;'ljwf k|bfg ug]{ ;DaGwL Joj:yf

g]kfndf :yfkgf ePsf s'g} kmd{, sDkgL jf ;+:yfn] ljb]zl:yt ;]jf k|bfos kmd{, sDkgL jf ;+:yf

;Fu ;Demf}tf u/L g]kfndf ;]jf lnP afktsf] /sd ;6xL ;'ljwf k|bfg ug]{ ;DaGwdf b]xfo adf]lhdsf]

Joj:yf ul/Psf]n] ;f]xL adf]lhd ug'{÷u/fpg'x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ n]

lbPsf] clwsf/ k|of]u u/L g]kfn /fi6« a}+s, j}lsË sfof{no, Ohfhtkqk|fKt æsÆ / /fli6«o :t/sf ævÆ

ju{sf a}+s tyf ljQLo ;+:yfx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

!= cd]l/sL 8n/ #,))) jf ;f] a/fa/sf] cGo kl/jTo{ ljb]zL d'b|f;Ddsf] nflu cfjZos sfuhftx?

lnO{ ;6xL ;'ljwf k|bfg ug{ ;lsg]5 .

g]kfndf btf{ ePsf kmd{, sDkgL jf ;+:yfn] cd]l/sL 8n/ #,))) eGbf a9Lsf] ljb]zL ljlgdodf

bfloTj ;[hgf x'g] u/L ljb]zl:yt s'g} ;]jf k|bfos;Fu ;Demf}tf ug'{ k/]df jf ;]jf afktsf] e'QmfgL

ug'{ kg]{ ePdf cfkm\gf] lgofds lgsfoaf6 :jLs[lt jf l;kmfl/; k|fKt ug'{ kg]{5 . l;kmfl/; ug]{

lgofds lgsfon] ;f] ;]jf jf sfo{ ;DkGg eP kZrft\ k7fpg] /sd osLg u/L ljBdfg Joj:yf

adf]lhd o; ljefu ;dIf ;6xL ;'ljwf pknAw u/fpg l;kmfl/; ug'{ kg]{5 .

lgofds lgsfoaf6 ;Demf}tf÷;xdlt :jLs[t jf ;6xL l;kmfl/;sf] cfwf/df ;6xL /sd k'li6 x'g]

sfuhftx? lnO{ cd]l/sL 8n/ #,))) eGbf clws !),))) jf ;f] a/fa/sf] cGo kl/jTo{ ljb]zL

d'b|f;Dd 8«fkm\6÷l6=l6=sf] dfWodaf6 jfl0fHo a}+sx?af6 g} ;6xL ;'ljwf k|bfg ug{ ;lsg]5 .

@= cd]l/sL 8n/ !),))) jf ;f] a/fa/sf] cGo kl/jTo{ ljb]zL d'b|feGbf dflysf] e'QmfgLsf] nflu

lgofds lgsfosf] l;kmfl/; ;lxt o; ljefusf] :jLs[ltsf] cfwf/df dfq ;6xL ;'ljwf k|bfg ug'{kg]{5

. ;fy}, lgofds lgsfo gePsf] / lgofds lgsfoaf6 ;Demf}tf÷;xdlt :jLs[t jf l;kmfl/; x'g

g;s]sf] cj:yfdf cd]l/sL 8n/ #,))) jf ;f] a/fa/sf] cGo kl/jTo{ ljb]zL d'b|f eGbf clws

/sdsf] e'QmfgLsf] nflu ;d]t o; ljefusf] :jLs[ltsf] cfwf/df dfq ;6xL ;'ljwf k|bfg ug'{kg]{5 .

#= ljb]zl:yt ;]jf k|bfos;Fu cd]l/sL 8n/ #,))) jf ;f] a/fa/sf] cGo kl/jTo{ ljb]zL d'b|f eGbf

a9L /sdsf] ;Demf}tf u/L ljb]zL d'b|f ;6xLsf nflu o; ljefu ;dIf :jLs[lt dfu ubf{

b]xfosf sfuhft k]z ug'{ kg]{5 M

-s_ kmd{, sDkgL jf ;+:yf btf{ k|df0fkq / s/btf{ k|df0fkq .

-v_ s/ r'Qmf k|df0fkq jf s/ ljj/0f a'emfPsf] k|df0f / ;]jf afkt clu|d s/ bflvnf u/]sf]

lg:;f (TDS) .

138

-u_ kl5Nnf] n]vfk/LIf0f k|ltj]bg .

-3_ ;]jf k|bfg ug]{ ;+:yf;Fu u/]sf] k|dfl0ft ;Demf}tf / aLnaLhs .

-ª_ ;Demf}tf adf]lhd u/]sf] sfo{sf] ljj/0f ;lxt ;+rfns ;ldltaf6 ;6xL ;'ljwf dfu ug]{

;DaGwdf ePsf] lg0f{osf] k|ltlnlk / ljb]zL d'b|f ckrng ePdf ;f]sf] ;Dk"0f{ lhDd]jf/L

lng] :jM3f]if0ff .

-r_ sfd ;DkGg ePsf] k'i6L x'g] sfuhftx? .

-5_ sfd k|bfg ug]{ ;+:yf (Employer) af6 e'QmfgL k|fKt ePsf] eP /sd v'Ng] sfuhft /

a}+s :6]6d]06 .

-h_ lgofds lgsfosf] l;kmfl/; -pknAw ePdf_ .

$= bkmf # sf] v08 -h_ adf]lhdsf] l;kmfl/; lng] ;Gbe{df lgofds lgsfo osLg x'g g;sL l;kmfl/;

k|fKt x'g g;s]sf] cj:yfdf b]xfo adf]lhd x'g]5 .

-s_ cd]l/sL 8n/ %),))) jf ;f] j/fj/sf] kl/jTo{ ljb]zL d'b|f;Ddsf] ;6xL ;'ljwf dfly bkmf #

sf] v08 -s_ b]lv -5_ ;Ddsf sfuhftsf cfwf/df o; ljefun] ljBdfg Joj:yf adf]lhd

;6xL ;'ljwf lbg ;Sg]5 . o; k|of]hgsf] nflu sDkgL jf pBf]usf] xsdf ;DalGwt pBf]u

ljefu jf sDkgL /lhi6«f/ sfof{no jf ;DalGwt cGo lgofds lgsfon] l;kmfl/; x'g ;Sg]

g;Sg] ;DaGwdf o; ljefunfO{ hfgsf/L pknAw u/fpg' kg]{5 .

-v_ ljb]zl:yt kmd{, sDkgL jf ;+:yf;Fu cd]l/sL 8n/ %),))) eGbf a9Lsf] ;]jf lng' cl3

clgjfo{ ?kdf o; a}+ssf] k"j{ :jLs[lt lng' kg]{5 . o;/L k"j{ :jLs[lt lng' kbf{ dfly bkmf # sf]

-s_ b]lv -ª_ ;Ddsf sfuhft ;lxt lgj]bg lbg' kg]{5 .

%= of] Joj:yf nfu' x'g' k"j{ lgodgsf/L lgsfo osLg gePsf] jf lgofds lgsfosf] l;kmfl/; k|fKt x'g

g;s]sf s'g} kmd{, sDkgL jf ;+:yfn] o; a}+ssf] :jLs[lt glnO{ ljb]zL kmd{, sDkgL jf ;+:yfaf6

k/fdz{ tyf cGo ;]jf lnO;s]sf] eP ;f]sf] e'QmfgLsf nflu o; ljefu ;dIf lgj]bg lbg ;Sg]5 .

^= ;/sf/ tyf g]kfn ;/sf/sf] :jfldTj /x]sf lgsfoaf6 ePsf] Unf]an 6]08/ cGtu{t 7]Ssf k|fKt

u/]sf ljb]zL lgsfox¿n] k|rlnt sfg"g adf]lhd g]kfndf /xL sfdsfh ug{ vf]lnPsf zfvf÷;Dks{

sfof{no dfk{mt jf k|rlnt sfg'g adf]lhd clwsf/ k|fKt s'g} ;/sf/L lgsfoaf6 5gf}6 eO{ jf

clwsf/ k|fKt s'g} ;/sf/L lgsfo;Fu s/f/ u/L u/]sf] sfo{af6 cfh{g u/]sf] d'gfkmf cyjf To;

k|sf/sf 7]Ssfsf] sfd d'Vo 7]s]bf/n] ljleGg ljb]zL sDkgLnfO{ lbPsf] To:tf ;–;fgf pk7]Ssf

cGtu{tsf 7]s]bf/n] cfh{g u/]sf] d'gfkmf cfkm\gf] Parent Company nfO{ b]xfosf zt{x¿sf] clwgdf

/x]/ lkmtf{ e'QmfgL -Repatriation_ ug{ ;lsg]5 .

s= o:tf] d'gfkmf lkmtf{ e'QmfgL ug{ o; a}+ssf] :jLs[lt lng' kg]{5 .

v= :jLs[ltsf nflu lgDgfg';f/sf sfuhft k]z ug'{kg]{5 M–

-!_ kmd{, sDkgL jf ;+:yf btf{ k|df0fkq / :yfoL n]vf gDa/ (PAN) .

-@_ s/ r'Qmf k|df0fkq / ;]jfafkt clu|d s/ bflvnf u/]sf] lg:;f (TDS) tyf d'gfkmf ePdf nfUg]

nfef+z s/ lt/]sf] lg:;f .

-#_ kl5Nnf] n]vfk/LIf0f k|ltj]bg .

-$_ ;]jf k|bfg ug]{ ;+:yf;Fu u/]sf] ;Demf}tf / aLnaLhssf] k|dfl0ft k|ltlnkL .

139

-%_ ;Demf}tf adf]lhd u/]sf] sfo{sf] ljj/0f ;lxt ;+rfns ;ldltaf6 ;6xL ;'ljwf dfu ug]{

;DaGwdf ePsf] lg0f{osf] k|ltlnkL / ljb]zL d'b|f ckrng ePdf ;f]sf] ;Dk"0f{ lhDd]jf/L

lng] :jM3f]if0ff .

-^_ sfd k|bfg ug]{ ;+:yfaf6 e'QmfgL k|fKt ePsf] /sd v'Ng] sfuhft / a}+s :6]6d]06 .

-&_ h'g sfo{ ug{ 7]Ssf÷pk–7]Ssf k|fKt u/]sf] xf] ;f]xL sfd u/]/ plNnlvt d'gfkmf cfh{g

u/]sf] xf] eGg] Joxf]/fsf] n]vfk/LIfsn] k|dfl0ft u/]sf] ljj/0f .

-*_ ;DalGwt sfo{ ug{ ;Demf}tf ug]{ ;+:yfn] e'QmfgL u/]sf] /sd k|dfl0ft u/]sf] sfuhft /

;f] /sdsf] ;Ldfleq ;f]xL ;+:yf / lgofds lgsfo ePdf ;f] lgsfo ;d]tn] d'gfkmf

/sdfGt/ ug{ o; ljefunfO{ u/]sf] l;kmfl/; kq .

140

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M!#÷@)&^

l/Kofl6«Pzg ;DaGwL Joj:yf .

o; a}+saf6 Ohfhtkqk|fKt laleGg lgsfox¿n] ug]{ ljb]zL d'b|f sf/f]jf/ tyf l/Kofl6«Pzg ;DaGwdf

b]xfosf Joj:yfx¿ ul/Psf]n] ;f]xL adf]lhd ug'{÷u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf]

bkmf !@ n] lbPsf] clwsf/ k|of]u u/L Ohfhtkqk|fKt ;a} æsÆ ju{sf jfl0fHo a}+s, Po/nfOG; tyf ;f]sf]

lh=P;=P÷lk=P;=P=, sfuf]{ tyf s'l/o/ sDkgL, 6«fen, 6'/ tyf 6«]lsË Ph]G;L, xf]6n, nh, ¥oflˆ6ª,

dfp06]lgol/ª nufot ljljw ko{6sLo ;]jf pknAw u/fpg] lgsfox¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

!= xjfO{ l6s]l6Ë tyf sfuf]{, s'l/o/ ;]jfsf] d"No lgwf{/0f tyf l/Kofl6«Pzg Joj:yf M

-s_ ;]jf d"No lgwf{/0f M

g]kfndf ;]jf k|bfg ug{ Ohfhtkqk|fKt cGt/f{li6«o jfo';]jf tyf sfuf]{÷s'l/o/ Ph]G;Lx¿,

xf]6n, nh, ¥ofkml6Ë, dfp06lgol/Ë nufotsf ljljw ko{6sLo ;]jf pknJw u/fpg]

lgsfox¿n] cfˆgf] ;]jfsf] d"No g]kfnL ?k}ofFdf tf]Sg' kg]{5 .

-v_ cGt/f{li6«o xjfO{ l6s6 ljqmLsf] l/Kofl6«Pzg M

Ohfhtkqk|fKt 6«fen 6"/ Ph]G;Ln] xjfO{ l6s6 ljqmL u/L ;+sng u/]sf] /sd cfˆgf] sld;g

cflb s6fO{ ;DalGwt Po/nfOG; tyf ltgsf lh=P;=P÷lk=P;=P= nfO{ ;f]e}m jf cGo s'g}

;+/rgfaf6 e'QmfgL ug'{ kbf{ b]xfo adf]lhd ug'{ kg]{5 M

!= 6«fen÷6"/ Ph]G;L tk{m M

-s_ g]kfnL ?k}ofdf u/]sf] ljqmLsf] l/Kofl6«Pzg g]kfnL ?k}ofsf] vftfaf6 ug'{ kg]{5 .

-v_ ljb]zL d'b|fdf u/]sf] ljqmLsf] l/Kofl6«Pzg ljb]zL d'b|fsf] vftfaf6 ug'{ kg]{5 .

-u_ l/Kofl6«Pzg dfu ubf{ ;+nUg l/Kofl6«Pzg kmf=g+=! adf]lhdsf] ljj/0f eg'{ kg]{5 .

@= jfo' ;]jf tyf lh=P;=P÷lk=P;=P tk{m M

-s_ cfk}mn] ljqmL u/]sf] cfˆgf] xjfO{ l6s6sf] ljj/0f ;+nUg l/Kofl6«Pzg kmf=g+= !

cg'?k eg'{ kg]{5 .

-v_ cfk}mn] ljqmL u/]sf] cfˆgf] sfuf]{÷s'l/o/sf] ljj/0f ;+nUg l/Kofl6«Pzg kmf=g+=@ /

# cg'?k eg'{ kg]{5 .

-u_ Ph]G6x¿n] ljqmL u/]sf xjfO{ l6s6 tyf sfuf]{ s'l/o/ ;DaGwL ljj/0f ;+nUg

l/Kofl6«Pzg kmf=g+= $ cg'?k eg'{ kg]{5 .

-3_ dfly plNnlvt ljj/0fx¿ cg';f/ ljb]zl:yt cfˆgf] lk|lG;kn sDkgLnfO{ ;f]e}m

jf cGo ;+/rgf dfk{mt l/Kofl6«Pzg ubf{ ;+nUg l/Kofl6«Pzg kmf=g+=% adf]lhdsf]

ljj/0f eg'{ kg]{5 .

-u_ sfuf]{÷s'l/o/ ljqmLsf] l/Kofl6«Pzg M

Ohfhtkqk|fKt 6«fen÷6'/ / sfuf]{÷s'l/o/ Ph]G6x¿n] ljb]zL d'b|fdf sfuf]{ tyf s'l/o/ ;]jf

ljqmL u/L ;+sng u/]sf] ljb]zL d'b|f dWo] cfˆgf] sld;g, z'Ns cflb s6fO{ ;DalGwt ljb]zL

141

Po/nfOG; tyf ltgsf lh=P;=P÷lk=P;=P= cflbnfO{ ;f]e}m jf cGo s'g} ;+/rgf dfk{mt e'QmfgL

ug'{ kbf{ b]xfoadf]lhd ug'{ kg]{5 M

-!_ g]kfnL ?k}ofdf u/]sf] ljqmLsf] l/Kofl6«Pzg g]kfnL ?k}ofFsf] vftfaf6 ;+nUg

l/Kofl6«Pzg kmf=g+= # ad]flhdsf] ljj/0f e/L ug'{ kg]{5 .

-@_ ljb]zL d'b|fdf u/]sf] ljqmLsf] l/Kofl6«Pzg ljb]zL d'b|fsf] vftfaf6 ;+nUg l/Kofl6«Pzg

kmf=g+=@ ad]flhdsf] ljj/0f e/L ug'{ kg]{5 .

-#_ plNnlvt kmf/fdx¿df pNn]v ePsf b]xfo adf]lhdsf sfuhftx¿ o; a}+sn] lg/LIf0f

ug{ vf]h]sf] ;dodf b]vfpg ;Sg] u/L ;DalGwt lgsfon] ;'/lIft tj/n] /fVg' kg]{5 .

-s_ sfuf]{ sDkgLx¿n] hf/L ug]{ xfp; Po/j] jLn tyf Po/nfOG;x¿n] hf/L ug]{

df:6/ Po/j] jLn, jLn ckm n]l8Ë

-v_ s'l/o/sf] xsdf ;DalGwt ;+:yfaf6 hf/L ePsf] jLn÷aLhs

-u_ g]kfn aflx/af6 x'g] 9'jfgL -sfuf]{÷s'l/o/_ sf] xsdf a}+saf6 hf/L ePsf]

CPMT -3_ b[Zofjnf]sg÷k}bnofqf nufot cGo ko{6sLo ;]jf ljqmLsf] l/Kofl6«Pzg

Ohfhtkqk|fKt 6«fen÷6"/ nufotsf Ph]G;Ln] b]z aflx/ pknJw u/fpg] b[Zojnf]sg÷k}bn

ofqf nufotsf ljljw ko{6sLo ;]jf afkt ljb]zl:yt Ph]G6nfO{ e'QmfgL ug'{ kbf{ b]xfo

adf]lhd ug'{÷u/fpg' kg]{5 M–

-!_ ;DalGwt 6«fen÷6"/ Ph]G6sf] gfddf ljb]zaf6 ;f] k|of]hgsf] nflu k|fKt ljb]zL d'b|f

eGbf a9L gx'g] u/L dfq e'QmfgL k7fpg ;lsg]5 .

-@_ e'QmfgL k|fKt ug'{ kg]{ ljb]zl:yt Ph]G6n] ;DalGwt 6«fen÷6"/sf] gfddf hf/L u/]sf]

OGEjfO;sf] cfwf/df dfq e'QmfgL k7fpg ;lsg]5 .

-#_ pwf/f]df pknJw u/fPsf] ;]jf afktsf] e'QmfgL pwf/f] c;'n ePkl5 dfq k7fpg

;lsg]5 .

-ª_ afl0fHo a}+sx¿af6} l/Kofli6«Pzg k|fKt x'g] M

Ohfhtkqk|fKt lgsfox¿n] dfly plNnlvt v08 -v_, -u_ / -3_ adf]lhdsf] k|s[of k"/f u/L

jfl0fHo a}+sx¿;Fu l/Kofli6«Pzg dfu ug'{ kg]{5 . o;/L dfu eP adf]lhdsf] l/Kofli6«Pzg

;DalGwt jfl0fHo a}+sx¿n] k|rlnt ljlgdo b/df pknJw u/fpg' kg]{5 .

-r_ vftfsf] lsl;d / ;~rfng Joj:yf M

xjfO{ l6s]l6Ë tyf ko{6sLo ;]jf ;~rfng ug]{ Ohfhtkqk|fKt ljleGg lgsfox¿dWo] k|rlnt

Joj:yf cg';f/ l/Kofl6«Pzg lng'kg]{ ljleGg lgsfox¿ -h:t}M Po/nfO{G; tyf ltgsf

lh=P;=P=÷lk=P;=P, 6«fen÷6«]lsË tyf sfuf]{÷s'l/o/ nufotsf Ph]G;Lx¿_ n] ljb]zL d'b|f

vftf ;~rfng ubf{ b]xfo adf]lhd ug'{ kg]{5 M–

-!_ ljb]zL d'b|fdf e'QmfgL lnO{ ul/g] sf/f]jf/ M

-s_ ljb]zL d'b|fdf ;]jf pknJw u/fpg] lgsfox¿n] ljb]zL d'b|f hDdf ug]{ /

e'QmfgL÷l/Kofl6«Pzg ug]{ k|of]hgsf] nflu clgjfo{ ?kdf kl/jTo{ ljb]zL d'b|fsf]

vftf vf]Ng' kg]{5 . ljb]zL d'b|fdf x'g] cGo cfh{g ;d]t ;f] vftfdf hDdf ug{

;lsg]5 .

-v_ bkmf ! Dff plNnlvt k|s[of k"/f u/L ljb]zL d'b|fdf ePsf] ;]jf ljqmLsf]

e'QmfgL÷l/Kofl6«Pzg ubf{ ;f]xL vftfaf6 dfq ug'{ kg]{5 .

-u_ Ohfhtkqk|fKt lgsfox¿n] rfx]df ljb]zL d'b|fdf ePsf] cfh{g dfq hDdf ug]{

k|of]hgsf] nflu ljb]zL d'b|fsf] j]Un} cfh{g vftf vf]Ng ;d]t ;lsg]5 . o:tf]

vftfaf6 e'QmfgL÷ l/Kofl6«Pzg vftfdf ljb]zL d'b|f /sdfGt/ ug{ ;lsg]5 .

142

-3_ e'QmfgL÷l/Kofl6«Pzg vftfdf e'QmfgL÷l/Kofl6«Pzg u/L afFsL /x]sf] / cfh{g

vftfdf /x]sf] ljb]zL d'b|f ljb]z e|d0fsf] nflu pknJw u/fpFbf o; a}+ssf]

O=k|f= kl/kq ;+Vof M & sf] bkmf -#_ df ePsf] Joj:yf cg';f/ ug'{ kg]{5 .

-ª_ Ohfhtkqk|fKt lgsfox¿n] cfjZostf cg';f/ Ps jf ;f] eGbf a9L

a}+s÷ljQLo ;+:yfdf ljb]zL d'b|fsf] vftf vf]Ng ;Sg]5g\ . o:tf] vftf vf]Nbf

a}+s÷ljQLo ;+:yfn] o; a}+saf6 k|bfg ePsf] Ohfhtkq nufotsf cfjZos

sfuhft lnO{ cf–cfk\mgf] k|s[of k"/f u/]/ vftf vf]nL lbg' kg]{5 .

-r_ o; a}+saf6 k|bfg ePsf] ljb]zL ljlgdo sf/f]jf/ Ohfhtkqsf] Dofb ;lsPsf]

tL; lbg leq Ohfhtkq gjLs/0f gu/fpg] lgsfox¿n] gjLs/0f ePsf]

k|df0f k]z gu/];Dd ljb]zL d'b|f vftf ;~rfng ug{ kfpg] 5}gg\ .

-@_ g]kfnL ?k}ofF e'QmfgL lnO{ ul/g] sf/f]jf/

g]kfnL ?k}ofFdf ljqmL ePsf] cGt/f{li6«o xjfO{ l6s6 tyf ljljw ko{6sLo ;]jf

ljqmLaf6 k|fKt /sd g]kfnL ¿k}ofF vftfdf hDdf u/L ;f]xL vftfaf6} l/Kofl6«Pzg

ug'{kg]{5 .

@= ljljw Joj:yf

-s_ ;]jf tyf pTkfbg ljqmLsf] aLn÷aLhs hf/L ubf{ k|rlnt ljlgdo b/df e'QmfgL lng'÷lbg'

kg]{5 . k|rlnt ljlgdo b/ eGgfn] o; a}+s jf o; a}+saf6 Ohfhtkqk|fKt æsÆ / /fli6«o :t/sf ævÆ ju{sf a]+}s tyf ljQLo ;+:yfx¿n] lgwf{/0f ug]{ ljlgdo b/ x'g] ePsf]n] ;]jf

k|bfosx¿n] sf/f]jf/ ubf{ ;f]xL ljlgdo b/sf] kl/lwleq /x]/ dfq d"No lgwf{/0f u/L sf/f]jf/

ug'{ kg]{5 . o; k|of]hgsf] nflu cfˆgf] ljb]zL d'b|f vftf /x]sf] a}+sn] tf]s]sf] ljlgdob/nfO{

cfwf/ dfGg' kg]{5 .

-v_ ljb]zL d'b|fdf l/Kofli6«Pzg ;'ljwf dfu ug]{ lgsfox¿ o; a}+saf6 ljb]zL d'b|f sf/f]jf/ ug]{

Ohfhtkq lnO{ cBfjlws gjLs/0f ;d]t ePsf] x'g' kg]{5 .

-u_ g]kfn gful/s p8\8og k|flws/0f, g]kfn cfon lgud, u|fp08 Xof08lnË Ph]G6, Sof6l/Ë

sDkgL÷Ph]G6 nufot cGo ;]jf k|bfosaf6 cGt/f{li6«o ljdfg:yndf pknJw x'g]

cjt/0f÷lj;fg, g]leu]zg÷xfplhË, u|fp08 Xof08lnË, Sof6l/Ë, km\o"lnË nufotsf ljljw

;]jf÷pTkfbgx¿sf] aLn÷aLhs hf/L ubf{ ljb]zL d'b|f tyf aLn hf/L u/]sf] lbgsf] k|rlnt

ljlgdo b/sf] cfwf/df g]kfnL ?k}ofF b'j}df ug'{ kg]{5 / ljb]zL Po/nfOG; tyf ltgsf

lh=P;=P÷lk=P;=P=n] o:tf] aLnsf] e'QmfgL g]kfnL ?k}ofF jf ljb]zL d'b|fdf ug{ ;Sg]5 . t/,

g]kfndf zfvf÷;Dks{ sfof{no jf lh=P;=P=÷lk=P;=P= gePsf / lgoldt ;]jf ;~rfng

gug]{ cGt/f{li6«o jfo';]jf sDkgL jf ;f] sf Ph]G6 jf cGo ;+3÷;+:yf tyf JolQmn] ;~rfng

ug]{ rf6{8{ nufotsf cGo p8fgx¿nfO{ pknJw u/fpg] ;]jf÷pTkfbgsf] e'QmfgL eg] ljb]zL

d'b|fd} lng'÷lbg' kg]{5 .

-3_ ef/tLo afx]s cGo ljb]zL gful/snfO{ pknJw u/fPsf] ;]jf÷pTkfbgsf] e'QmfgL

;]jf÷pTkfbg pknJw u/fPsf] lbgsf] k|rlnt ljlgdo b/sf] cfwf/df ljb]zL d'b|fdf lng'

kg]{5 . ;fy}, k|rlnt Joj:yf cg';f/ ljb]zL d'b|fdf vftf vf]n]sf JolQm jf lgsfox¿n] cfk"mn]

k|fKt u/]sf] ;]jf÷pTkfbgsf] e'QmfgL cfˆgf] ljb]zL d'b|f vftf vr{ u/L ljb]zL d'b|fd} klg ug{

;Sg]5g\ .

-ª_ ef/tLo afx]s cGo ljb]zL gful/sx¿n] pkof]u u/]sf ;]jfsf] aLnsf] e'QmfgL ljb]zL d'b|f

;6xL u/]sf] ¿k}ofFdWo]af6 ug{ rfx]df ljb]zL d'b|f ;6xL u/]sf] OGSof;d]06 /l;b (Foreign

Exchange Encashment Receipt -FEER) le8fO{ ;6xL u/]sf] /sdn] vfDg];Ddsf] /sd dfq

g]kfnL ¿k}ofFdf e'QmfgL lng ;lsg]5 . o;/L aLnsf] e'QmfgL ¿k}ofFdf lnPdf pQm aLnsf]

143

k5fl8 ;DalGwt OGSof;d]06 /l;b (FEER) sf] gDa/, ldlt, ljb]zL d'b|f /sd / ;6xL u/L

lng] ;+:yfsf] gfd ;d]t pNn]v u/L cfˆgf] /]s8{df hgfpg'sf] ;fy} OGSof;d]G6 /l;bdf klg

pkof]u ePsf] /sd / cfˆgf] ;+:yfsf] gfd, aLn gDa/ tyf ldlt clgjfo{ ¿kn] hgfpg'

kg]{5 .

-r_ Ohfhtkqk|fKt lgsfon] v08 -ª_ cg';f/ aLnsf] e'QmfgL ¿k}ofFdf :jLsf/ ug'{kbf{ ;DalGwt

ljb]zL gful/ssf] OGSof;d]G6 /l;bsf] k|ltlnlk lng'kg]{5 / o; a}+sdf k]z ug'{kg]{ dfl;s

ljj/0fsf] ;fydf ;f] /l;b klg k]z ug'{kg]{5 .

-5_ cGt/f{li6«o ;+3 ;+:yf jf s'6gLlts lgof]u cflb ljb]zL ;+:yfdf ^ dlxgfeGbf a9L ;do;Dd

sfdsfh u/L g]kfndf a;]sf] osLg ePdf tL ljb]zLx¿af6 cGt/f{li6«o p8fg / sfuf]{ afx]s

c¿ aLnsf] e'QmfgL ¿k}ofFdf klg lng ;lsg]5 .

-h_ ljb]zL lgof]u, cGt/f{li6«o ;+3 ;+:yfx¿nfO{ pknJw u/fPsf] ;]jf÷pTkfbg d"Nosf]

aLn÷aLhs hf/L ubf{ g]kfnL ?k}ofF tyf aLn hf/L u/]sf] lbgsf] k|rlnt ljlgdo b/sf]

cfwf/df x'g] ljb]zL d'b|f b'j}df pNn]v ug'{ kg]{5 . o:tf] aLn÷aLhssf] e'QmfgL ;DalGwt

kIfn] g]kfnL ?k}ofF jf ljb]zL d'b|fdf ug{ ;Sg]5g\ .

-em_ g]kfnL gful/sx¿nfO{ cGt/f{li6«o xjfO{ l6s6 hf/L ubf{ xjfO{ l6s6df :ki6 b]lvg] u/L

æl6s6 /2 ug'{k/]df /fxbfgL afkt lnPsf] ljb]zL d'b|f lkmtf{ a'emfPsf] k|df0f k]z ug'{kg]{5Æ

eGg] Joxf]/fsf] 5fk nufpg' kg]{5 .

-`_ ljb]z e|d0fdf hfg] JolQmx¿nfO{ /fxbfgL afkt k|bfg u/]sf] ljb]zL d'b|f ;DalGwt JolQmx¿n]

a}+s bflvnf -lkmtf{_ u/]sf] k|df0f k]z gu/];Dd xjfO{ l6s6 /2 ug{ / ;f] afktsf] /sd lkmtf{

(Refund) ug{ gldNg] ePsf]n] ;DalGwt JolQmsf] /fxbfgL / xjfO{ l6s6 x]/L ;6xL ;'ljwf

pkof]u gu/]sf] v08df dfq lkmtf{ (Refund) k|bfg ug{ kfOg]5 . ljb]zL d'b|f a}+s bflvnf

u/]sf] k|df0f / /2 ul/Psf l6s6x¿ -ljb]zL d'b|f ;6xL ;'ljwf pkof]u u/]sf] jf gu/]sf]_ /2

ul/Psf] ldltn] slDtdf ^ dlxgfsf] cjlw;Dd clgjfo{ ¿kdf ;'/lIft /fVg' kg]{5 . /2 ul/Psf

To:tf l6s6x¿sf] dfl;s ljj/0f ;DalGwt Po/nfOG;n] o; ljefudf csf]{ dlxgfsf]

d;fGtleq clgjfo{¿kdf k]z ug'{kg]{5 . t/, kms{g] PstkmL{ xjfO{ l6s6 dfq /2 ug]{sf] xsdf

of] Joj:yf nfu' x'g] 5}g .

-6_ Airlines Permit (APMT) nufotsf Repatriation dfu ubf{ tof/ ul/Psf sfuhftx¿ o;

a}+sn] lg/LIf0f ug{ vf]h]sf] ;dodf b]vfpg ;Sg] u/L ;DalGwt Ohfhtk|fKt lgsfon] g}

clgjfo{ ¿kdf ;'/lIft tj/n] /fVg'kg]{5 . o; a}+sn] lg/LIf0f ug{ vf]h]sf] ;dodf pko{'Qm

k|sf/sf sfuhftx¿ pknAw u/fpg g;s]df jf a}+sn] lg/LIf0f ubf{ clgoldttf u/]sf]

kfOPdf h'g;'s} avt ljb]zL d'b|f sf/f]jf/ ug]{ Ohfhtkq /2 u/L sf/jfxL cuf8L a9fpg

;lsg]5 .

-7_ ljb]zL ko{6sx¿nfO{ k'¥ofPsf] ;]jf afkt g]kfnL 6«fen÷6"/ Ph]G;Lx¿nfO{ Ohfhtkqk|fKt

xf]6]nx¿n] kl/jTo{ ljb]zL d'b|fdf ;d]t lalnË ug{ ;Sg]5g\ . ljb]zL d'b|fdf u/]sf] lalnËsf]

e'QmfgL a}+s vftf dfkm{t kl/jTo{ ljb]zL d'b|fdf ug'{ kg]{5 .

-8_ 6«fen÷6"/ Ph]G;Lx¿n] kl/jTo{ ljb]zL d'b|fdf ljqmL u/]sf cfGtl/s p8fgsf] xjfO{ l6s6sf]

/sd ;DalGwt jfo';]jfnfO{ e'QmfgL ubf{ cfˆgf] a}+s vftf dfk{mt kl/jTo{ ljb]zL d'b|fdf g} ug'{

kg]{5 .

-9_ ef/tLo afx]s cGo ljb]zL gful/sx¿n] aLnsf] e'QmfgL kl/jTo{ ljb]zL d'b|fdf dfq ug'{kg]{5

eGg] ;"rgf Ohfhtkqk|fKt lgsfox¿n] 7"nf] cIf/df ;fO{g af]8{ n]vL ;a}n] b]Vg] 7fpFdf

/fVg'kg]{5 .

144

;"rgfsf] gd"gfM

FOREIGNERS OTHER THAN INDIAN NATIONAL ARE REQUIRED

TO PAY THEIR BILLS IN CONVERTIBLE CURRENCY ONLY.

-0f_ o; Joj:yf adf]lhd l/Kofl6«Pzg kfpg] kIf ef/tLo ePdf ef/tLo ?k}ofdf dfq l/Kofl6«Pzg

;'ljwf pknJw u/fpg' kg]{5 . t/, ljb]zL d'b|fd} ljqmL ePsf xjfO{ l6s6 nufot cGo ;]jf

cflbsf] e'QmfgL÷l/Kofl6«Pzg eg] k|fKt ljb]zL d'b|f eGbf a9L gx'g] u/L ljb]zL d'b|fd} ug{

;lsg] 5 .

-t_ Ohfhtkqk|fKt ;a} lgsfox¿n] cfh{g u/]sf] ljb]zL d'b|f /sd oyfzL3| cfˆgf] kl/jTo{ ljb]zL

d'b|f vftfdf hDdf ug'{kg]{5 .

#= sfuf]{ k/ld6 hf/L ug]{ Joj:yfM

g]kfnL lgof{tstf{x¿n] ljb]zdf C & F jf Freight Pre-paid sf] cfwf/df ;fdfg lgof{t ubf{ nfUg]

9'jfgL vr{sf] nflu lng'kg]{ cg'dlt ;DalGwt æsÆ ju{sf a}+sn] g} k|bfg ug{ ;Sg]5g . o:tf] 9'jfgL

cg'dlt hf/L ubf{ jf 9'jfgL e'QmfgL k|bfg ubf{ ;DalGwt a}+sn] -s_ k|tLtkqdf 9'jfgL ef8f ;DaGwdf

:ki6 Joj:yf ePsf], -v_ ;DalGwt 9'jfgLstf{sf] 9'jfgL /sd v'Ng] sf]6]zg ePsf], -u_ eG;f/

k|1fkgkq k]z u/]sf], -3_ lgof{tstf{n] k]z u/]sf] Invoice df plNnlvt /sdn] clu|d e'QmfgL

(Advance Payment) jf k|tLtkqdf 9'jfgL afkt plNnlvt /sdnfO{ vfd]sf] / -ª_ k|tLtkqsf] Dofb

afFsL /x]sf] ePdf ;f] ;Dk"0f{ sfuhftx¿ x]/L hfFrL xjfO ef8fsf] nflu 9'jfgL cg'dlt kq hf/L ug{

;lsg]5 . o;}ul/, hndfu{af6 x'g] 9'jfgLsf] xsdf klg ;DalGwt ljb]zL lzlkË sDkgLsf] gfddf

PsfpG6k]oL r]s÷8«fkm\6af6 ;6xL pknAw u/fpbf b]xfo adf]lhd ug'{ kg]{5 M

s_ 9'jfgL cg'dltkq hf/L ubf{ jf 9'jfgLsf] e'QmfgL ubf{ o;};fy ;+nUg cg';"rL !#=^ adf]lhdsf]

kmf/fd k|of]u ug'{ kg]{5 / ;f]sf] af]wfy{ cg';"rL !#=& adf]lhdsf] e'QmfgL ljj/0f;Fu

lgof{tstf{n] k]z u/]sf] Invoice sf] Psk|lt ;+nUg u/L lgoldt ?kn] o; ljefudf k7fpg'

kg]{5 . hndfu{af6 x'g] 9'jfgLsf] nflu ;DalGwt lzlkË sDkgLsf] sf7df8f}+l:yt Ph]G6dfkm{t

9'jfgL ul/g] xf] eg] cg';"rL !#=^ adf]lhdsf] cg'dltkq hf/L ug'{ kg]{5 .

v_ olb k|tLtkqdf House Airwaybill :jLsfo{ x'g] Joxf]/f pNn]v ul/Psf] 5 eg] Latest Shipment sf] ldlt gf3] klg k|tLtkqsf] Dofb (Validity) /x];Dd o;k|sf/sf] 9'jfgL cg'dlt lbg

ldNg]5 . t/, g]kfnL jf ef/tLo 9'jfgLstf{x¿nfO{ eg] o:tf] cg'dlt cGtu{t kl/jTo{ ljb]zL

d'b|fdf e'QmfgL ug{ kfOg] 5}g .

$= ljb]zaf6 Repatriation Nofpg] ;DaGwL Joj:yf M

6«fen Ph]G;L, 6«]lsª Ph]G;L, sfuf]{ s'l/o/ Ph]06, xf]6n nufotsf ;+:yfx¿n] ljb]zaf6

Repatriation lng'kg]{ /sd ljb]zL d'b|f sf/f]jf/ ePsf] !% lbgleq b]zleq clgjfo{ ?kdf

NofO;Sg'kg]{5 . ;fy}, o; ;DaGwL ljj/0f x/]s qodf; ;dfKt ePsf] !% lbgleq g]kfn /fi6« a}+s

ljb]zL ljlgdo Joj:yfkg ljefudf k7fpg' kg]{5 .

145

cg';"rL !#=!

l/Kofl6«Pzg kmf=g+=!

-kl/kq ;+Vof !# sf] bkmf ! sf] k|of]hgsf] nflu_

Po/nfOG;÷lh=P;=P=÷lk=P;=P=÷6«fen 6'/ Ph]G;Ln] ljqmL u/]sf] xjfO{ l6s6 afkt

;+slnt /sd l/Kofl6«Pzgsf] nflu k|of]u ug'{ kg]{ kmf/fd

ljqmL cjlw Mldlt ======================b]lv==============================;Dd_

>L ===================-a}+ssf] gfd_ ldltM

=================================-7]ufgf_

dxfzo,

o; sfof{non] b]xfo adf]lhdsf] ljj/0f cg';f/ ljqmL u/]sf] xjfO{ l6s6 afkt x'g] tkl;n

adf]lhdsf] /sd g]kfn /fi6« a}+s, ljb]zL ljlgdo Joj:yfkg ljefusf] O{=k|f=kl/kq ;+VofM !# adf]lhd o;

sfof{nosf] txf+ l:yt ljb]zL d'b|f l/Kofli6«Pzg vftf g+=====================/ g]kfnL ?k}ofF vftf g+=

========================== df vr{ u/L ======================= sf] gfddf e'QmfgL x'g] u/L l/Kofl6«Pzg ;'ljwf pknJw

u/fO{ lbg' x'g cg'/f]w ub{5f}F .

g]kfnL ?k}ofdf ePsf] ljqmL ljb]zL d'b|fdf ePsf] ljqmL

qm=;+

Po/nfOG;sf]

gfd

l6s6

;+Vof

s'n

ljqmL

/sd

s6[f /sd

-sld;g

cflb_

l/Kofl6«Pzg

ug'{

kg]{ /sd

l6s6

;+Vof

s'n ljqmL

/sd

s6[f /sd

-sld;g

cflb_

l/Kofl6«ozg ug'{

kg]{ /sd

s}lkmot

s'n hDdf g]kfnL ?k}ofF ljb]zL d'b|f

pko{'Qm ljj/0f cg';f/ o; sfof{noaf6 xjfO{ l6s6 ljqmL ePsf] ;fFrf] xf] . plNnlvt ljj/0f cg';f/ cGo

a}+saf6 l/Kofl6«Pzg ;'ljwf lnPsf] 5}g . e'm§f ljj/0f k]z u/]sf] 7xl/Pdf k|rlnt sfg"g÷lgod adf]lhd

;xg]÷a'emfpg] 5f}F .

-cflwsfl/s b:tvt_

af]wfy{M sDkgLsf] gfd

Ohfhtkq gDj/

>L g]kfn /fi6« a}+s 7]ufgfM

ljb]zL ljlgdo Joj:yfkg ljefu sDkgLsf] 5fkM

jfn'af6f/, sf7df08f}

146

cg';"rL !#=@

l/Kofl6«Pzg kmf=g+=@


ljb]zL d'b|fdf sfuf]{÷s'l/o/ ljqmLsf] ljj/0f


===================>L -a}+ssf] gfd_ ldltM

===============================-7]ufgf_

dxfzo,

o; sfof{non] b]xfo adf]lhdsf] ljj/0f cg';f/ ljb]zL d'b|fdf ljqmL u/]sf] sfuf]{÷s'l/o/ afkt x'g]

s'n ljb]zL d'b|f====================== -cIf/]kL =========================================_ sf] g]kfn /fi6« a}+s, ljb]zL

ljlgdo Joj:yfkg ljefusf] O{=k|f=kl/kq;+VofM !# adf]lhd o; sfof{nosf] txfF l:yt ljb]zL d'b|f vftf

g+=================== df vr{ u/L ==============================================sf] gfddf e'QmfgL x'g] u/L l/Kofl6«Pzg

;'ljwf pknJw u/fO{ lbg' x'g cg'/f]w ub{5f}F .

qm=

;+=

sfuf]{÷s'l/o/

k7fpg]sf] gfd

(Consignor)

kfpg]sf] gfd

(Consignee)

ldlt k7fPsf]

:yfg

Sofl/o/sf]

gfd

Po/j] aLn÷aLn

ckm n]l8Ë÷

aLhs÷OGEjfO; g+=

aLn÷ aLhs

d"No

sld;g l/Kofl6«ozg

ug'{

kg]{ /sd

s}lkmot

pko{'Qm ljj/0f cg';f/ o; sfof{noaf6 sfuf]{÷s'l/o/ ljqmL ePsf] ;fFrf] xf] . plNnlvt ljj/0f

cg';f/ cGo a}+saf6 l/Kofl6«Pzg ;'ljwf lnPsf] 5}g . e'm§f ljj/0f k]z u/L ;6xL lnPsf] 7xl/Pdf k|rlnt

sfg"g÷lgod adf]lhd ;xg]÷a'emfpg] 5f}F .

-cflwsfl/s b:tvt_

sDkgLsf] gfd

af]wfy{M Ohfhtkq gDj/M




147

cg';"rL !#=#

l/Kofl6«Pzg kmf=g+=#


g]kfnL ?k}ofdf sfuf]{÷s'l/o/ ljqmLsf] ljj/0f


ldltM

>L=============================== =-a}+ssf] gfd_

===================================================-7]ufgf_

dxfzo,

o; sfof{non] b]xfo adf]lhdsf] ljj/0f cg';f/ g]kfnL ?k}ofdf ljqmL u/]sf] sfuf]{÷s'l/o/ afkt x'g]

s'n ?======================= -cIf/]kL =============================================_ sf] g]kfn /fi6« a}+s, ljb]zL ljlgdo

Joj:yfkg ljefusf] O{=k|f=kl/kq ;+Vof M !# adf]lhd o; sfof{nosf] txfFl:yt vftf g+

============================== df vr{ u/L ======================================sf] gfddf e'QmfgL x'g] u/L l/Kofl6«Pzg

;'ljwf pknJw u/fO{lbg' x'g cg'/f]w ub{5f}F .

qm=

;+=

sfuf]{÷s'l/o/

k7fpg]sf] gfd

(Consignor)

kfpg]sf] gfd

(Consignee)

ldlt k7fPsf]

:yfg

Sofl/o/sf]

gfd

Po/j] aLn÷aLn

ckm n]l8Ë÷

aLhs÷OGEjfO;

g+=

aLn÷aLhs

d"No

sld;g l/Kofl6«ozg

ug'{

kg]{ /sd

s}lkmot

pko{'Qm ljj/0f cg';f/ o; sfof{noaf6 sfuf]{÷s'l/o/ ljqmL ePsf] ;fFrf] xf] . plNnlvt ljj/0f cg';f/ cGo

a}+saf6 l/Kofl6«Pzg ;'ljwf lnPsf] 5}g . e'm§f ljj/0f k]z u/L ;6xL lnPsf] 7xl/Pdf k|rlnt sfg"g÷lgod

adf]lhd ;xg]÷ a'emfpg] 5f}F .

-cflwsfl/s b:tvt_

sDkgLsf] gfdM

af]wfy{M Ohfhtkq gDa/M




148

cg';"rL !#=$

l/Kofl6«Pzg kmf=g+=$


6«fen 6"/ tyf sfuf]{÷s'l/o/ Ph]G;Ln] ljqmL u/]sf] xjfO{ l6s6 tyf sfuf]{÷s'l/o/sf] ljj/0f


ldltM

>L ==================================-a}+ssf] gfd_

===============================================-7]ufgf_

dxfzo,

o; sfof{nosf b]xfo Ph]G6x¿n] xjfO{ l6s6 tyf sfuf]{÷s'l/o/ ljqmL u/]sf] ljj/0f g]kfn /fi6«

a}+s, ljb]zL ljlgdo Joj:yfkg ljefusf] O{=k|f=kl/kq ;+Vof M !# adf]lhd k]z u/]sf] Joxf]/f cg'/f]w ub{5f}F .


qm=

;+

Ph]lG;sf]

gfd

l6s6 ljqmL

;+Vof

s'n ljqmL

/sd

sfuf]{ s'l/o/

ljqmL ;+Vof

s'n

/sd

l6s6 ljqmL

;+Vof

s'n ljqmL

/sd

sfuf]{ s'l/o/

ljqmL ;+Vof

s'n

/sd

s}lkmot

s'n hDdf g]kfnL ?k}ofF ljb]zL d'b|f

pko{'Qm ljj/0f cg';f/ cGo a}+saf6 l/Kofl6«Pzg ;'ljwf lnPsf] 5}g . em'§f ljj/0f k]z u/]sf] 7xl/Pdf

k|rlnt sfg"g÷ lgod adf]lhd ;xg]÷a'emfpg] 5f}F .

-cflwsfl/s b:tvt_

sDkgLsf] gfd

af]wfy{M Ohfhtkq gDj/




149

cg';"rL !#=%

l/Kofl6«Pzg kmf=g+=%


Po/nfO{G;÷lh=P;=P=÷lk=P;=P=n] l/Kofl6«Pzgsf] nflu

cg'/f]w ubf{ k]z ug'{ kg]{ kmf/fd

>L ==============================-a}+ssf] gfd_

=============================================-7]ufgf_

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

dxfzo,

o; sfof{no / o;sf :yfgLo ljqmL Ph]G6af6 ldlt ===============b]lv =================ldlt

=============;Ddsf] cjlwdf ljb]zL d'b|f / g]kfnL ?k}ofdf ul/Psf] xjfO{ l6s6 / sfuf]{ tyf s'l/o/ ljqmL

afkt ;+slnt b]xfo cg';f/sf] /sd g]kfn /fi6« a}+s, ljb]zL ljlgdo Joj:yfkg ljefusf] O{=k|f=kl/kq;+Vof

M !# adf]lhd ================== l:yt lk|lG;kn sDkgL ========================== sf] gfddf l/Kofl6«Pzg ug{ k|rlnt

ahf/ ljlgdob/df ;6xL :jLs[lt pknJw u/fO{ lbg' x'g cg'/f]w ub{5' .


ljj/0f /sd ljj/0f /sd

-s_ ;+nUg l/Kofl6«Pzg kmf=g+=! cg'?k cfkmgf]

xjfO{ l6s6 ljqmL /sdM

-s_ ;+nUg l/Kofl6«Pzg kmf=g+=! cg'?k

cfkmgf] xjfO{ l6s6 ljqmL /sdM

-v_ ;+nUg ljj/0f adf]lhd Ph]G6x¿n] ljqmL

u/]sf] xjfO{ l6s6 /sd

-v_ ;+nUg ljj/0f adf]lhd Ph]G6x¿n] ljqmL

u/]sf] xjfO{ l6s6 /sd

-u_ ;+nUg l/Kofl6«Pzg kmf=g+ # cg'?k cfkmgf]

sfuf]{ s'l/o/ ljqmL /sd M

-u_ ;+nUg l/Kofl6«Pzg kmf=g+ @ cg'?k

cfkmgf] sfuf]{ s'l/o/ ljqmL /sd M

-3_ ;+nUg ljj/0f adf]lhd Ph]G6x¿n] ljqmL

u/]sf] sfuf]{ s'l/o/ /sd M

-3_ ;+nUg ljj/0f adf]lhd Ph]G6x¿n] ljqmL

u/]sf] sfuf]{ s'l/o/ /sd M

s'n ljqmL /sd s'n ljqmL /sd

Go'g ;+nUg la//0f cg';f/sf] :yfgLo vr{ Go'g ;+nUg la//0f cg';f/sf] :yfgLo vr{

l/Kofl6«Pzg ug'{ kg]{ /sd l/Kofl6«Pzg ug'{ kg]{ /sd

-cflwsfl/s b:tvt_

sDkgLsf] gfd

af]wfy{M Ohfhtkq gDa/M




150

cg';"rL !#=^

-O=k|f=kl/kq ;+Vof !# sf] bkmf # sf] k|of]hgsf] nflu_

xjfO{÷hndfu{af6 x'g] 9'jfgLsf nflu

;a} Po/nfOG; tyf 6«fen Ph]G;Lx¿÷g]kfndf btf{ ePsf] lzlkË Ph]G6sf] gfd

ljifoM xjfO{÷hndfu{ ef8fsf] cg'dltkq af/] .

dxfzo,

==================================================================== n] cg'/f]w u/]df cd]l/sL 8n/ ==================

;Ddsf] 9'jfgL vr{ ?k}+ofFdf e'QmfgL lng of] kq hf/L ul/Psf] 5 .

ejbLo,

af]wfy{M–



pko{'Qm 9'jfgLkq ;DaGwL ljj/0fx¿ lgDgfg';f/ ePsf] Joxf]/f k|dfl0ft ul/G5 M

!= k|tLtkq jf clu|d e'QmfgL pNn]v ug]{ M

@= ;f]sf] g+=M

#= ;f] k7fpg] a}+ssf] gfd / 7]ufgf M

$= ljb]zL cfoftstf{sf] gfd / 7]ufgf M

%= lgof{tstf{sf] gfd / 7]ufgf M

^= /sd M

-s_ Pkm= cf]= lj=

-v_ k|m]6

&= o;eGbf klxn] pkof]u e};s]sf] eP ;f]sf] /sd M

-s_ Pkm= cf]= lj=

-v_ k|m]6

*= k|tLtkq jf clu|d e'QmfgLdf plNnlvt M

-s_ n]6]i6 lzkd]06 ldlt

-v_ Eoflnl8l6 ldlt

(= eG;f/ k|1fkgkqdf plNnlvt M

-s_ ldlt

-v_ Pkm= cf]= lj= d"No

!)= cGo M

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


gfd M

kb M

a}+ssf] 5fk M

151

cg';"rL !#=&

-O=k|f=kl/kq ;+Vof !# sf] bkmf # sf] k|of]hgsf] nflu_

hndfu{af6 x'g] 9'jfgLsf nflu



ljifoM hndfu{af6 x'g] 9'jfgLsf] nflu k|bfg ul/Psf] e'QmfgL ljj/0f .

dxfzo,

======================================= n] cg'/f]w u/] cg';f/ =================================== e'QmfgL kfpg] u/L

================== sf] Psfp06k]oL r]s÷8«fk\m6 pknJw u/fOPsf] 5 . ;f] ;DaGwL lgDgfg';f/ ePsf] Joxf]/f

k|dfl0ft ul/G5 .

!= k|tLtkq jf clu|d e'QmfgL pNn]v ug]{ M

@= ;f]sf] g+=M

#= ;f] k7fpg] a}+ssf] gfd / 7]ufgf M

$= ljb]zL cfoftstf{sf] gfd / 7]ufgf M

%= lgof{tstf{sf] gfd / 7]ufgf M

^= /sd M

-s_ Pkm= cf]= lj=

-v_ k|m]6

&= o;eGbf klxn] pkof]u e};s]sf] eP ;f]sf] /sd M

-s_ Pkm= cf]= lj=

-v_ k|m]6

*= k|tLtkq jf clu|d e'QmfgLdf plNnlvt M

-s_ n]6]i6 lzkd]06 ldlt

-v_ Eoflnl8l6 ldlt

(= eG;f/ k|1fkgkqdf plNnlvt M

-s_ ldlt

-v_ Pkm= cf]= lj= d"No

!)= 9'jfgL ug]{ lzlkË sDkgLsf] gfd / 7]ufgf M

!!= cGo M

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


gfd M

kb M

a}+ssf] 5fk M

152

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M!$÷@)&^

ljb]zL d'b|fsf] a}+s Uof/]06L hf/L ug]{ Joj:yf ;DaGwdf .

ef/t tyf t];|f] d'nsaf6 dfn;fdfg tyf k|rlnt Joj:yf adf]lhdsf] ;Ldfleq k|s[of k'/ofO{ ;]jf cfoft

ug{ b]xfo adf]lhd ef/tLo tyf kl/jTo{ ljb]zL d'b|fsf] a}+s Uof/]06L (Bid Bond, Performance Bond OToflb)

hf/L ug{ o; a}+ssf] ;6xL cg'dlt lnO{ /xg' gkg]{ Joj:yf ul/Psf] x'Fbf ;f]xL adf]lhd ug'{÷u/fpg' x'g

ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L g]kfn

/fi6« a}+s, a}lsË sfof{no nufot ;Dk"0f{ sfof{nox¿ tyf Ohfhtkqk|fKt æsÆ ju{sf jfl0fHo a}+s / ævÆ

ju{sf ljsf; a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

!= g]kfnl:yt s'g} lgsfon] dfn;fdfg jf k|rlnt Joj:yf adf]lhd tf]lsPsf] ;Ldfleqsf] ;]jf vl/b

ubf{ ;f]sf] e'QmfgL ljqmLstf{nfO{ kl/jTo{ ljb]zL d'b|fdf g} ul/g] Joj:yf 5 eg] To:tf] dfn;fdfg

jf ;]jf vl/b ug]{ k|of]hgsf] nflu hf/L ul/g] a}+s Uof/]06L

@= o; a}+saf6 Ohfht lnO{ t]>f] d'n'sjf6 ljk]|if0f ug]{ sfo{df ;+nUg lgsfonfO{ cfkmgf] lk|lG;kn

(Principal) sDkgLaf6 clu|d e'QmfgL k|fKt ug]{ k|of]hgsf nflu b]xfo adf]lhdsf] zt{df cfjZos

kg]{ a}+s Uof/]06L M

-s_ o:tf] a}+s Uof/]06L clwstd cd]l/sL 8n/ @ nfv;Ddsf] dfq x'g'kg]{

-v_ tf]lsPsf] clu|d e'QmfgL k|fKt ePkl5 dfq o:tf] a}+s Uof/]06L Activate x'g] zt{ clgjfo{

?kdf /fVg'kg]{

-u_ o;/L hf/L ePsf] a}+s Uof/]06Lsf] hfgsf/L o; ljefunfO{ lbg'kg]{

#= o; a}+saf6 Ohfhtk|fKt 6«fen Ph]G;Lx¿nfO{ g]kfndf sfo{/t ljb]zL Po/nfOG;sf] Ph]G6 eO{

sfd ug{ cfjZos x'g] a}+s Uof/]06L .

$= ljb]zl:yt s'g} lgsfonfO{ g]kfnaf6 j:t' lgof{t tyf ;]jf pknAw u/fpg] nufotsf Joj;fo ug{

/ ;f] k|of]hgsf] nflu cfjZos kg]{ clu|d e'QmfgL lng] k|of]hg ;d]tsf] nflu ;DalGwt

Joj;foLsf] cg'/f]wdf Ohfhtkqk|fKt æsÆ ju{sf a}+sn] hf/L ug]{ ljb]zL d'b|f -ef/tLo ?k}ofF

;d]t_ sf] a}+s Uof/]06L -la8 j08, k/km/d]G; a08 OToflb_ .

%= plNnlvt a}+s Uof/]06L hf/L ubf{ a}+s Uof/]06L]sf] cfjZostf ;DaGwL cflwsfl/s sfuhft lng'

kg]{5 .

^= a}+s Uof/]06L hf/L u/] kZrft l;h{gf x'g] ;Dk"0f{ bfloTj ;DalGwt a}+s tyf ljQLo ;+:yfs} x'g]5 .

&= ljb]zdf C0f lng] k|of]hgsf] nflu o:tf] a}+s Uof/]06L hf/L ug{ kfOg] 5}g .

*= bfjL k/L e'QmfgL lbPsf] a}+s Uof/]06Lsf] ljj/0f e'QmfgL u/] nuQ} o; ljefudf k7fpg' kg]{5 .

(= a}+s Uof/]06Lsf] cfwf/df cfoft ePsf] j:t'sf] xsdf ;DalGwt a}+sn] To:tf] j:t' lelqPsf] eG;f/

k|1fkgkq / /fh:j bflvnf u/]sf] lg:;fsf] k|ltlnlk lnO{ ;fdfg leq] gleq]sf] olsg ug{'kg]{5 .

153

!)= ;dodf dfn;fdfg tyf ;]jf cfoft lgof{t eP gePsf] ;DaGwdf a}+s :jod\n] cg'udg

ug{'kg]{5 .

!!= o; a}+saf6 ljb]zL nufgL] leq\ofpg :jLs[lt k|fKt u/]sf ljb]zL nufgLstf{ JolQm, kmd{, sDkgL /

;+:yf afx]s / cfkm\gf] Joj;fo 7]Ssf k§f jf Jofkf/sf] l;nl;nfdf hf/L x'g] Bid Bond, Performance

Bond h:tf shf{ k|jfx gug]{ k|of]hg ePsf ljb]zL a}+s Uof/]06L afx]s shf{ k|bfg ug]{ p2]Zon]

ljb]zL a}+saf6 hf/L ePsf] a}+s Uof/]06L -Bank or Financial Guaranty_ :jLsf/ ug{'k"j{ o; ljefusf]

:jLs[lt lng'kg]{5 .

!@= g]kfndf ;~rfng ul/g] s'g} klg kl/of]hgf lgdf{0f jf j:t' tyf ;]jf cfk"lt{sf nflu cfJxfg

ul/Psf] cGt//fli6«o af]nkq -Global Tender_ sf] nflu ljb]zL af]nkqbftfn] af]nkqdf tf]lsPsf]

kl/jTo{ ljb]zL d'b|fdf g} Bid Bond/Performance Bond nufotsf Bank Guarentee k]z ug{'kg]{ /

To:tf af]nkqsf nflu ljb]zL a}+sx¿n] kl/jTo{ ljb]zL d'b|fdf hf/L u/]sf] sfp06/ Uof/]06Lsf]

cfwf/df dfq g]kfnL a}+sx¿n] tf]lsPsf] d'b|fdf Uof/]06L hf/L ug{ ;Sg]5g .

!#= /fli6«o :t/sf] af]nkqdf ljb]zL af]nkqbftfn] efu lng gkfpg] x'gfn] To:tf af]nkqsf] nflu

ljb]zL af]nkqbftfsf] tkm{af6 a}+s Uof/]06L hf/L ug{ / k|tLtkq vf]Ng kfOg] 5}g .

154

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M!%÷@)&^

On]S6«f]lgs sf8{ dfkm{t x'g] sf/f]jf/ ;DaGwL Joj:yf .

a}+s tyf ljQLo ;+:yfx¿n] cfkm\gf u|fxsx¿nfO{ lgDg zt{x¿sf] cwLgdf /xL o; ljefusf]

:jLs[ltdf kl/jTo{ ljb]zL d'b|fsf] s|]l86÷8]lj6÷lk|k]8 nufotsf On]S6«f]lgs sf8{ hf/L ug{ ;Sg] tyf sf8{df

sf/f]jf/ ubf{ b]xfosf] k|s[of ckgfpg' kg]{ Joj:yf ul/Psf] x'Fbf ;f]xL adf]lhd ug'{÷u/fpg' x'g ljb]zL

ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6«

a}+s, a}+lsË sfof{no nufot ;Dk"0f{ sfof{nox¿ tyf Ohfhtkqk|fKt æsÆ / /fli6«o:t/sf ævÆ ju{sf

ljsf; a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

! ljb]zL d'b|fdf e'StfgL x'g] u/L ljB'tLo e'QmfgL sf8{ hf/L ubf{ ckgfpg' kg]{ gLltut Pjd\ k|lqmofut

Joj:yf ;DaGwdf M

-s_ Ohfhtkqk|fKt æsÆ ju{ / /fli6«o:t/sf ævÆ ju{sf ljsf; a}+sn] ljb]zL ljlgdo ;DaGwL

k|rlnt Joj:yf cGtu{t /xL ljb]zL d'b|fsf] q]ml86 sf8{, 8]lj6 sf8{, lk|k]8 sf8{ nufotsf

ljB'tLo e'QmfgL sf8{ hf/L ug{ ;Sg]5g\ .

-v_ Ohfhtkqk|fKt /]ld6fG; sDkgLx¿n] :jb]zL d'b|fdf e'StfgL x'g] lk|k]8 /]ld6fG; sf8{ dfq hf/L

ug{ ;Sg]5g\ .

-u_ ljb]zL d'b|fdf e'StfgL x'g] ljB'tLo e'QmfgL sf8{ hf/L ug]{ ePdf ;+:yfsf] ;~rfns ;ldltaf6

o; ;DaGwL gLltut lg0f{o, ;'/Iff tyf hf]lvd Joj:yfkg, ljb]zL ;]jf k|bfos;Fu x'g] ;Demf}tf

nufotsf cGo k|lqmofut Joj:yf u/L o; ljefusf] cg'dlt lng' kg]{5 .

-3_ ljB'tLo e'QmfgL sf8{ hf/L jf gjLs/0f ubf{ nfUg] z'Ns, sf8{dfk{mt sf/f]jf/ ;~rfng ubf{

nfUg] ;]jf z'Ns, Jofh tyf xhf{gf ;DaGwL Joj:yfx¿ u|fxs;Fusf] ;Demf}tfdf :ki6?kdf

pNn]v ug'{kg]{5 .

-ª_ o; a}+saf6 ljb]zL d'b|fdf ljB'tLo e'QmfgL sf8{ hf/L ug{ cg'dltkqk|fKt ;+:yfn] u|fxs;Fu

;Demf}tf u/L b]xfosf sfo{x¿ ug{ ;Sg]5g\ .

-c_ vftfdf /x]sf] df}Hbft tyf sf/f]jf/ ;DaGwL ljj/0f pknJw u/fpg] .

-cf_ ljb]zdf Automated Teller Machine (ATM) jf Cash Dispensing Machine

(CDM) af6 gub ljb]zL d'b|f lemSg] .

-O_ j:t' jf ;]jf pkef]u u/] afktsf] /sd Point of Sale (POS), Point of Transaction

(POT) Machine, Internet jf cGo ljB'tLo dfWodaf6 e'QmfgL ug]{ .

-r_ k|To]s sf/f]jf/ ;DkGg ePkl5 clgjfo{ ?kdf ;DalGwt u|fxsnfO{ SMS dfk{mt ;ts{tf ;Gb]z

(Alert Message) k|bfg ug'{ kg]{5 . ;fy}, u|fxsn] Od]ndfk{mt ;ts{tf ;Gb]z dfu u/]df ;f]

;d]t pknJw u/fpg' kg]{5 . ;f] k|of]hgsf nflu ljB'tLo e'QmfgL sf8{ hf/L ug]{ ;+:yfn]

u|fxs;Fu ;ts{tf ;Gb]z k7fpg] ;Dks{ gDa/÷Od]n 7]ufgf clgjfo{ ?kdf lng' kg]{5 .

-5_ k|To]s k6s d]lzgdf sf8{sf] k|of]u ubf{ sf/f]jf/ ;DkGg ePklg jf gePklg ;f]sf] /]s8{ /xg]

Joj:yf ug{'kg]{5 .

155

-h_ of] lgb]{zg hf/L x'g' k"j{ ljB'lto sf8{ ;]jf pkef]u ul//x]sf u|fxsn] ;Dks{ gDj/÷Od]n 7]ufgf

pknJw gu/fPsf] jf cBfjlws gu/fPsf] ePdf lgb]{zg hf/L ePsf] tLg dlxgf leqdf

;DalGwt a}+sn] clgjfo{ ?kdf pQm 7]ufgf cBfjlws u/fpg' kg]{5 .

-em_ ljB'tLo e'QmfgL sf8{dfk{mt Cash out ul/g] jf gul/g] sf/f]jf/df Cash dispense

geO{ vftfaf6 df}Hbft 36]sf] cj:yfdf jf ljB'tLo e'QmfgL sf8{dfk{mt Point of Sale

(POS), Point of Transaction (POT) Machine jf cGo ljB'tLo dfWodaf6 e'QmfgL

sf/f]jf/ ubf{ sf/f]jf/ ;DkGg geO{ vftfjf6 df}Hbft 36]sf] cj:yfdf b]xfo adf]lhd ug'{

kg]{5 .

-c_ Issuer / Acquirer Pp6} ;+:yf ePdf dgfl;j sf/0f jfx]s sf/f]jf/ ePs} lbg

lx;fjldnfg ug'{kg]{ .

-cf_ Issuer / Acquirer km/s km/s ;+:yf eO{ s'g} Ps ljb]zL ;+:yf ePdf bfjL ph'/L k/]sf]

jf gk/]sf] cj:yfdf a9Ldf #) lbg leqdf lx;fj ldnfg ug'{kg]{ .

-`_ xfn k|of]udf /x]sf ljb]zL d'b|fsf ljB'tLo e'StfgL sf8{ tyf Aquirer device nfO{ ^ dlxgf

leqdf EMV Chip Based agfpg' kg]{5 .

-6_ cGo Joj:yf ;DaGwdf M

-c_ sf8{ x/fPdf, rf]/L ePdf, sf/f]jf/sf] qmddf cGo ;d:of b]lvPdf u|fxsnfO{ tTsfn

;xof]u ug{ ;DalGwt ;+:yfn] Ps HELP DESK v8f u/L @$ ;} 306f ;+rfng ug'{

kg]{5 .

-cf_ sf8{sf] cjlw ;dfKt gx'+b} x/fPdf jf rf]/L ePdf ;"rgf k|fKt x'Fbfsf] ;dodf g} sf8{

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

-O_ ljB'tLo e'QmfgL sf8{ hf/L ubf{ o:tf sf8{x¿df cGt/f{li6«o ?kd} :jLsfo{ / k|rngdf

/x]sf ;'/IffTds pkfo / ljz]iftfx¿ clgjfo{ ?kdf /fVg' kg]{5 .

-O{_ ljb]zL d'b|fdf e'StfgL x'g] u/L hf/L ePsf sf8{af6 g]kfnL ?k}ofFdf e'StfgL x'Fbf o;

a}+ssf] e'StfgL k|0ffnL ljefuaf6 hf/L lgb]{zgx? kfngf x'g] Joj:yf ug'{kg]{5 .

@= s|]l86÷lk|k]8 ÷8]lj6 nufotsf sf8{ hf/L ug]{ Joj:yf

-s_ qm]l86 sf8{ kfpg u|fXo JolQmx¿ M

qm]l86 sf8{ hf/L ug]{ ;DalGwt a}+s÷ljQLo ;+:yfx¿n] cf–cfˆgf] lgwf{l/t k|qm[of k"/f u/L qm]l86

sf8{ kfpg cfj]bg lbPsf lgj]bsx¿nfO{ qm]l86 sf8{ lbg ;Sg]5g\ . o:tf JolQmx¿ g]kfnL

gful/s tyf kl/jTo{ ljb]zL d'b|f vftf ePsf ljb]zL gful/s b'j} x'g ;Sg]5g\ . o;/L hf/L x'g]

qm]l86 sf8{x¿sf] Dofb, vr{sf] ;Ldf cflb zt{gfdfx¿ k|rlnt Joj:yfsf] clwgdf /xL sf8{ hf/L

ug]{ ;DalGwt a}+s÷ljQLo ;+:yf :jod\n] tf]Sg ;Sg]5g\ .

-v_ kl/jTo{ ljb]zL d'b|fdf lk|k]8 sf8{÷8]lj6 sf8{ hf/L ug]{ ;DaGwdf M

ljb]z -ef/t afx]s_ e|d0fdf hfg] JolQmx¿nfO{ cfjZos kg]{ ljb]zL d'b|f ;6xL ;'ljwfsf nflu

Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx¿n] k|rlnt Joj:yfn] tf]s]sf] gub afx]ssf] /sd lk|k]8

sf8{÷8]lj6 sf8{ dfk{mt ;6xL lbg] Joj:yf ldnfpg' kg]{5 tyf o; k|of]hgsf nflu sf8{ hf/L

ug]{ a}+sx¿n] sf8{ hf/L ubf{ /fxbfgL, xjfO{ l6s6 / le;f ;d]tnfO{ cfwf/ dfgL /fxbfgLdf

æsf8{df /flvPsf] /sd tyf s]xL dfqfdf gub} lbPsf] eP ;f] ;d]tsf]Æ 5fk nufO{ /fxbfgLsf]

kmf]6f]skL /fvL tTsfn} lk|k]8 sf8{ hf/L ug]{ Joj:yf ug'{ kg]{5 .

-u_ On]S6«f]lgs sf8{ cGtu{t ePsf] vr{sf] lx;fj ldnfg M

8]lj6÷qm]l86÷lk|k]8 sf8{ cGtu{t ePsf] vr{sf] lx;fa ldnfg lgDg k|lqmofaf6 ug'{kg]{5 M

-!_ k|rlnt Joj:yf adf]lhd ljb]zL d'b|fdf vftf vf]n]sf JolQmn] 8]lj6 sf8{ jf q]ml86 sf8{

k|fKt ug{ ;Sg]5g\ .

-@_ cfkm'n] kfpg] ;6xL ;'ljwf afktsf] ljb]zL d'b|f gub glnO{ sf8{ xf]N8/n] q]ml86 sf8{sf]

dfWodaf6 pkof]u ug{ rfx]df To:tf] sf/f]jf/ ug{ ;lsg]5 .

156

-#_ ;DalGwt a}+s÷ljQLo ;+:yfx¿n] rfx]df k|rlnt Joj:yfx¿ cGtu{t /xL kl5 kl/jTo{

ljb]zL d'b|fdf g} lx;fj ldnfg ug'{ kg]{ zt{df tyf vftfdf df}Hbft /x]sf] cj:yfdf

cd]l/sL 8n/ !% -kGw|_ xhf/ ;Dd vr{ ug{ ;lsg] u/L q]ml86 sf8{ hf/L ug{ ;lsg] 5 .

-$_ lgof{t tyf ko{6g If]qaf6 kl/jTo{ ljb]zL d'b|f cfh{g u/L k|rlnt Joj:yf cg';f/ g]kfnsf]

a}+s÷ljQLo ;+:yfdf kl/jTo{ ljb]zL d'b|fsf] cfh{g vftf vf]n]sf lgsfox¿n] cf–cfkm\gf

kbflwsf/Lx¿nfO{ To:tf] vftfaf6 vr{ x'g] u/L qm]l86 sf8{ pknAw u/fPdf To:tf]

vftfaf6 vr{sf] lx;fa ldnfg ug'{kg]{5 . o;/L vr{ ubf{ vr{sf] ;Ldfsf] xsdf k|rlnt

Joj:yf cGtu{t /xL ug'{kg]{5 .

-%_ kl/jTo{ ljb]zL d'b|f vftf gePsf g]kfnL gful/sx¿sf] xsdf qm]l86 sf8{ cGtu{t ePsf]

vr{sf] lx;fj ldnfg sf8{ xf]N8/;Fu kl/jTo{ ljb]zL d'b|fdf g} ug'{ kg]{5 . o;/L lx;fj

ldnfg ubf{ e|d0fsf] nflu lghn] ;6xL ug]{ /sdn] /fxbfgL ;'ljwf cg';f/sf] ;Ldf

ggf3]sf] osLg ug'{kg]{5 .

-^_ s'g} JolQmn] e|d0fsf] k|of]hgsf] nflu g]kfn /fi6« a}+saf6 ;6xL cg'dlt kq k|fKt u/]sf] 5

/ To:tf] JolQmn] ;f] cg'dltkqaf6 k"0f{ ?kdf ;6xL gu/]sf] eP To:tf] afFsL /sdaf6 klg

q]ml86 sf8{sf] lx;fj ldnfg ug{ ;lsg]5 .

-&_ a}+s tyf ljQLo ;+:yfx¿af6 hf/L ePsf 8]lj6 / q]ml86 sf8{ wf/s -xf]N8/_ x¿n]

g]kfnleq} a;L g]kfnd} pkef]u ug]{ p2]Zon] jflif{s @,))) -b'O{ xhf/_ cd]l/sL 8n/;Dd

g]kfnsf] k|rlnt sfg"gaf6 k|ltaGw gnufOPsf ljb]zL j:t' jf ;]jf Online dfk{mt\

ljb]zaf6 v/Lb ug{ ;Sg]5g\ .

-*_ lk|k]8 sf8{df kl/jTo{ ljb]zL d'b|fsf] df}Hbft afFsL /x]df ;f] df}Hbftaf6 vftf vf]ln 8]lj6

jf qm]l86 sf8{ hf/L ug{ ;lsg]5 .

-(_ On]S6«f]lgs sf8{af6 vr{ ubf{ k'FhL vftf tyf k|rlnt sfg'gn] k|ltaGw nufOPsf j:t' tyf

;]jfsf] nflu vr{ ug{ kfOg] 5}g .

-!)_ g]kfnL gful/sx¿nfO{ On]S6«f]lgs sf8{ pknAw u/fpg'cl3 k|To]s lgj]bsnfO{ dfly

plNnlvt zt{x¿ Kffngf ug]{5' / syd\sbflrt\ plNnlvt zt{x¿ pnª\3g x'g uPdf

ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ adf]lhd sf/jfxL x'g d~h"/ 5

eGg] Joxf]/fsf] sfuhft u/fpg' kg]{5 .

-!!_ qm]l86 sf8{sf] e'QmfgL lx;fj ldnfg ug]{ k|lqmofdf s'g} sf8{ wf/s -xf]N8/_ sf] tkm{af6

dfly plNnlvt Joj:yfx¿ cg'?k lx;fj ldnfg x'g g;Sg] u/L vr{ ePsf] kfOPdf ;f]

;DaGwL ;Dk"0f{ ljj/0fx¿ clgjfo{ ?kn] o; ljefunfO{ hfgsf/L lbg' kg]{5 / o;af/] o;

ljefuaf6 cfb]z glbP;Dd To:tf] lx;fj ldnfg lk|mh u/L /fVg' kg]{5 .

-3_ ljb]zL qm]l86 sf8{sf] sf/f]jf/ ubf{ ckgfpg' kg]{ k|lqmof M

-!_ kl/jTo{ ljb]zL d'b|fsf qm]l86 sf8{x¿af6 e'QmfgL :jLsf/ ug]{ ;a} Ph]G6÷:yfgLo dr]{G6n]

qm]l86 sf8{af6 e'QmfgL lnFbf agfpg'kg]{ rfh]{h l:nk (Charges Slip) k|rlnt ljlgdo b/

cg';f/ g]kfnL ?k}ofFdf jf kl/jTo{ ljb]zL d'b|fdf x'g'kg]{5 .

-@_ g]kfndf qm]l86 sf8{af6 :jLsf/ ul/Psf ljleGg e'QmfgLx¿sf] ljb]zaf6 ;f]wegf{ k|fKt ubf{

qm]l86 sf8{sf ;b:o÷k|ltlglw÷;f]n Ph]06 -Members/Representatives/Sole Agents) n]

ljb]zl:yt cf–cfkm\gf lk|lG;knaf6 6]n]S; 6«fG;km/sf] dfWodåf/f kl/jTo{ ljb]zL d'b|fdf

dfq k|fKt ug'{kg]{5 . o;/L k|fKt ePsf] kl/jTo{ ljb]zL d'b|f /sdaf6 lghx¿n] cf–cfkm\gf

dr]{06nfO{ ljb]zL d'b|fdf klg e'QmfgL ug{;Sg] 5g\ . o;/L kl/jTo{ ljb]zL d'b|fdf e'QmfgL

ubf{ e'QmfgL kfpg] kIf k|rlnt Joj:yf cg';f/ ljb]zL d'b|fdf vftf vf]Ng u|fXo JolQm

157

x'g'kg]{5 / To:tf] e'QmfgL a}+s 6«fG;km/ jf Negotiable Only in Nepal egL :ki6 Joxf]/f

pNn]v ePsf] Psfp06–k]oL r]ssf] dfWodåf/f dfq k|bfg ug'{kg]{5 .

#= ljb]zL d'b|fsf 8]lj6÷qm]l86 sf8{ nufot cgnfOg e'StfgL dfkm{t ljb]zL d'b|fdf e'QmfgL :jLsf/ ug]{

Joj:yf M

ljljw ljB'tLo k|0ffnL tyf pks/0fx¿sf] lasf; / la:tf/n] ubf{ sltko pTkfbg tyf ;]jfx¿

OG6/g]6 dfk{mt vl/b÷ljqmL x'g] k|rng /x]sf] kl/k|]Iodf b]xfosf zt{x¿sf cfwf/df 8]la6÷s|]l86 sf8{

nufot cgnfO{g e'StfgLsf dfWodaf6 kl/jTo{ ljb]zL d'b|fdf e'QmfgL :jLsf/ ug{ ;lsg] u/L Joj:yf

ul/Psf] 5 .

-s_ o:tf] sf/f]jf/ ug{ OR5's Joj;foLx¿n] ;DalGwt Payment Card sDkgL jf ;f] sDkgLsf]

Reseller ;Fu ;Demf}tf u/L Merchant Service Provider jf Principal Member jf Associate Member

sf] ?kdf dfGotf kfPsf a}+s tyf ljQLo ;+:yf jf Joj;foL;Fu cgnfO{g sf/f]jf/ ug{ cfj4tf

lnPsf] x'g'kg]{ 5 .

-v_ Merchant Program cyf{t sf8{sf] k|f];]l;Ë / ;]6nd]06 ;DaGwL sfo{ ;DalGwt Payment Card

sDkgL jf ;f] sDkgLsf] Reseller ;Fu ;Demf}tf u/L Merchant jf Member Bank sf] ?kdf sfo{

ug]{ dfGotf kfPsf s'g} a}+s jf ljQLo ;+:yf;Fu cfjZos ;Demf}tfsf] cfwf/df ug'{ kg]{5 .

-u_ o; k|of]hgsf] nflu sf8{ jf cgnfOgaf6 e'StfgL k|fKt ug]{ ;]jf k|bfg ug{] OR5's Joj;foLn]

;DalGwt a}+sdf ljb]zL d'b|f vftf vf]Ng' kg]{ / sf8{ sf/f]jf/sf] cfwf/df x'g] ljb]zL d'b|fsf]

hDdf tyf vr{ sf/f]jf/ ;f]xL vftfaf6 dfq ug{' kg]{5 .

-3_ sf8{÷cgnfO{g sf/f]jf/sf] cfwf/df clu|d e'QmfgL k|fKt ug]{ a+}s tyf ljQLo ;+:yfn] ;DalGwt

Joa;foLx¿sf] gfddf clu|d e'QmfgL k|df0fkq hf/L ug'{ kg]{ ePdf ;f] /sdsf] clu|d e'StfgL

k|df0fkq hf/L ug'kg]{5 .

-ª_ v08 -3_ adf]lhdsf] clu|d e'[QmfgL k|df0fkqsf] cfwf/df ;DalGwt Joj;foLn] k|rlnt Joj:yf

cGt/ut /xL j:t'÷;]jf cflb lgof{t ug'{ kg]{5 .

-r_ sf8{÷cgnfOg sf/f]jf/sf] cfwf/df j:t'÷;]jf lgof{t eO{ ;s]kl5 lajfb pTkGg ePdf ;f]af6

x'g] ;Dk"0f{ gf]S;fgL÷Ifltk"lt{ jxg ug]{ bfloTj tyf lhDd]jf/L sf8{÷cgnfOg sf/f]jf/sf nflu

;b:otf k|bfg ug]{ / ;f] ;]jf k|fKt ug]{ sDkgL÷Joj;foLdf /xg] 5 .

-5_ o:tf] sf/f]jf/ ug]{ ;a} kIfn] k|rlnt sfg"gsf] k"0f{ kfngf ug'{ kg]{5 .

-h_ o:tf] sf/f]jf/ cGt/ut k|fKt x'g] clu|d e'QmfgLsf] ljj/0f q}dfl;s ?kdf o; ljefudf k]z ug'{

kg]{5 .

$= g]kfn / e'6fg aLr 8]lj6÷q]ml86÷lk|–k]8 sf8{ cflb dfk{mt x'g] sf/f]jf/sf] lx;fj ldnfg ;DaGwL

Joj:yf M

cf–cfk\mgf d'n'ssf ;DalGwt lgsfox¿;Fu Ohfhtkqk|fKt u/]sf e'6fgl:yt a}+s, ljQLo ;+:yf /

g]kfnl:yt a}+s tyf ljQLo ;+:yfn] Ps csf{ d'n'sdf ;d]t k|of]u ug{ ;lsg] u/L hf/L u/]sf]

8]lj6÷q]ml86÷lk|–k]8 cflb sf8{x¿af6 ATM tyf PoS dfk{mt e'6fg / g]kfn aLr x'g] sf/f]jf/x¿sf]

lx;fj ldnfg b]xfo adf]lhd ef/tLo ¿k}ofFdf ;d]t ug{ ;lsg]] Joj:yf ul/Psf] 5 M

s= sf8{ dfk{mt x'g] sf/f]jf/sf] lx;fa ldnfg ef/tLo ¿k}+ofdf ;d]t ug{ ;lsg] k|fjwfg ;lxtsf]

låklIfo lnlvt ;Demf}tfsf] cfwf/df dfq o:tf] lx;fj ldnfg ug{ ;lsg]5

v= ;Demf}tf adf]lhd x'g ;Sg] sf/f]jf/sf] ;Ldf /sd vfDg] u/L a}+s Uof/]06L jf cGo pko'Qm

;'/If0fsf] Joj:yf ug'{ kg]{5

u= o:tf] sf/f]jf/sf] lx;fjldnfg ug]{ k|of]hgsf] nflu e'6fgl:yt a}+s tyf ljQLo ;+:yfn]

g]kfnl:yt a}+s tyf ljQLo ;+:yfdf cfjZostf cg';f/ NOSTRO vftf vf]Ng ;Sg]5g\

158

3= a}+s tyf ljQLo ;+:yfx¿n] e'6fgdf ;d]t k|of]u ug{ ldNg] sf8{ -8]lj6÷q]ml86÷lk|–k]8 cflb_

hf/L ubf{ ef/tLo ¿k}ofFsf] sf/f]jf/ ;DaGwdf o;} PsLs[t kl/kqsf] O=k|f=kl/kq ;+Vof ! sf]

bkmf !=!! df ePsf] k|fjwfg cg'¿k x'g] u/L hf/L ug'{ kg]{5

ª= ;DalGwt sf8{ sDkgL;Fu dr]{06 ;Demf}tf u/L ;f]df ePsf] Joj:yfsf] cfwf/df dfq o:tf]

sf/f]jf/ ug'{ kg]{5 . e'6fgl:yt a}+s tyf ljQLo ;+:yf / sf8{ ;]jf k|bfos;Fu ePsf] ;Demf}tfsf]

Ps k|lt o; ljefudf k]z ug'{ kg]{5

r= sf/f]jf/;Fu ;DalGwt sfuhftx¿ sf8{ ;]jf k|bfosn] dfu u/]sf] cj:yfdf pknJw u/fpg

;Sg] u/L sDtLdf !* dlxgf;Dd ;'/lIft /fVg' kg]{5

5= sf8{ dfk{mt x'g] sf/f]jf/ /sddf bfjL k/L lkmtf{ e'QmfgL lng' lbg' k/]df ;DalGwt sf8{

sDkgLsf] lgodfg';f/ lng] lbg] Joj:yf ug'{ kg]{5

h= o:tf] sf/f]jf/ ubf{ ;DklQ z'4Ls/0f -dlg nfp08l/Ë_ lgjf/0f P]g, @)^$ nufotsf k|rlnt

sfg"g, lgod, lgb]{zgsf] k"0f{tof kfngf ug'{ kg]{5

em= g]kfnL ?k}ofF / ef/tLo ?k}ofF afx]s cGo kl/jTo{ ljb]zL d'b|fsf sf8{af6 ePsf sf/f]jf/x¿sf]

lx;fj ldnfg eg] cd]l/sL 8n/d} ug'{ kg]{5

`= lx;faldnfg x'g g;s]sf] / bfjL k/L lkmtf{ e'QmfgL lnP lbPsf] sf/f]jf/sf] ljj/0f cw{jflif{s

tyf jflif{s lx;fa ldnfg (Closing) ;lsPsf] ! dlxgfleq o; ljefudf k7fpg' kg]{5

6= sf8{ hf/L ug]{ / sf8{ dfk{mt ePsf] sf/f]jf/sf] lx;fj ldnfg ug]{ nufotsf cGo Joj:yfx¿

o;} kl/kqsf] bkmf ! adf]lhd g} x'g]5 .

%= Prepaid Remittance Card hf/L ug]{ ;DaGwL Joj:yf M

ljb]zdf ljk|]if0f afkt ;+sng u/]sf] /sd ljk|]if0f k7fpg]sf] kl/jf/n] ;xh, ;'/lIft / Jojl:yt tj/n]

e'QmfgL kfpg] k|of]hgsf] nflu ;DalGwt JolQmx¿n] k|fKt ug]{ g]kfnL ?k}ofFdf x'g] /sd a/fa/sf]

Prepaid Remittance Card b]xfo adf]hdsf] k|s[of / Joj:yf kfngf ug]{ u/L ljk|]if0f sf/f]jf/ ug{

Ohfhtkqk|fKt ljk|]if0f sDkgLx¿n] hf/L ug{ ;Sg] Joj:yf ul/Psf] 5 M

-s_ o:tf] sf8{ hf/L ug]{ ljk|]if0f sDkgLn] cfk\mgf] 5'6[} sf8{ ;~rfng lgb]{lzsf agfO{ o; ljefusf]

:jLs[ltdf nfu' ug'{ kg]{5 .

-v_ ljk|]if0f sDkgLx¿n] g]kfnsf s'g} klg Ohfhtkqk|fKt jfl0fHo a}+}s;Fu ;Demf}tf u/L ;f] a}+ssf]

k|ltlglwsf] ?kdf Prepaid Remittance Card hf/L ug{' kg]{5 .

-u_ o;/L a}+s dfk{mt hf/L ul/g] lk|k]8 /]ld6fG; sf8{ hf/L ubf{ aSof}tf a/fa/ vfDg] /sd ;DalGwt

jfl0fHo a}+sdf /x]sf] sDkgLsf] vftfdf lgIf]k /fvL Po/dfs{ u/]sf] x'g'kg]{5 . lgIf]k hDdf ug]{ /

e'QmfgL lbg] Joj:yf ;DalGwt a}+sn] g} ;Demf}tfdf v'nfpg' kg]{ Joj:yf ldnfpg' kg]{5 .

-3_ a}+s dfkm{t hf/L ul/g] o; k|sf/sf] sf8{ hf/L ug]{ ljk|]if0f sDkgL÷;+:yfsf] Go'gtd r'Qmf k'FhL

?= @% s/f]8 x'g'kg]{ 5 .

-ª_ sf/f]jf/ ;~rfng ubf{ sf8{sf] ;'/Iff, e'QmfgL Joj:yf, pTkGg x'g] hf]lvd / ;f]sf] Joj:yfkg,

u|fxs;Fusf] ;Demf}tf, ;DkQL z'4Ls/0f tyf cft+ssf/L sfo{df ljQLo nufgL lgjf/0f ;DaGwL

hf/L lgb]{zgsf] kl/kfngf, ATM sf8{ /f]Ssf ug]{]{ nufotsf ;Dk"0f{ Joj:yf ljk|]if0f sDkgLn] g}

ldnfpg' kg]{5 .

-r_ sf8{ hf/L ug]{ ;DaGwdf ljk|]if0f sDkgLx¿n] klg k|rlnt Joj:yf adf]lhdsf k|s[of /

k|fjwfgx¿ k"/f ug'{ kg]{5 .

-5_ o;/L hf/L ul/Psf] sf8{ dfk{mt x'g] sf/f]jf/sf] dfl;s hDdf vr{ / df}Hbftsf] ljj/0f o;

ljefudf dlxgf Joltt ePsf] ;ft lbgleq k]z ug'{ kg]{5 .

159

^= Ohfhtkqk|fKt dlgr]~h/x¿n] Point of sale (PoS) dfkm{t\ ljb]zL d'b|f ;6xL lbg] ;DaGwdf M

-s_ Ohfhtkqk|fKt dlgr]~h/x¿n] PoS dfkm{t\ ljb]zL d'b|f ;6xL lbg ;Sg]5g .

-v_ ljb]zL ko{6snfO{ dfq o; k|sf/sf] ;6xL k|bfg ug{ ;lsg]5 . t/, ljb]zL d'b|fdf e'StfgL x'g]

u/L g]kfnsf a}+s tyf ljQLo ;+:yfaf6 hf/L ePsf sf8{af6 g]kfnL ?k}ofFdf e'StfgL x'Fbf o;

a}+ssf] e'StfgL k|0ffnL ljefuaf6 hf/L lgb]{zgx¿ kfngf ug{'kg]{5 .

-u_ cGt//fli6«o sf8{ (h:t} M Visa International, Master Card International, Union Pay

International cflb) dfkm{t dfq o:tf] ;6xL k|bfg ug{'kg]{5 .

-3_ ;6xL k|bfg ug{ ;lsg] k|lt sf/f]jf/ /sdsf] ;Ldf PoS ;]jf k|bfos a}+s tyf ljQLo ;+:yf /

;DalGwt dlgr]~h/ sDkgL larsf] ;Demf}tfdf pNn]v eP adf]lhd x'g]5 .

-ª_ u|fxsaf6 lng] k|lt sf/f]jf/ ;]jf z'Ns / ;f]sf] afF8kmfF8 ;d]t ;DalGwt a}+s tyf ljQLo ;+:yf

/ dlgr]~h/ larsf] ;Demf}tfdf pNn]v eP adf]lhd x'g]5 . a}+sn] sf/f]af/ afktsf] /sd

dlgr]~h/nfO{ e'StfgL ubf{ g]kfnL ?k}ofFdf ug{'kg]{5 .

-r_ sf/f]af/ ubf{ b]xfo adf]lhdsf] k|lqmof k'/f ug{'kg]{5 M

-c_ u|fxsaf6 /fxbfgLsf] k|ltlnlk lng'kg]{5 . ef/tLo gful/ssf] xsdf cfwf/ sf8{÷ dtbftf

kl/rokq÷kf;kf]6{sf] k|ltlnlk lng'kg]{5 .

-cf_ v08 -c_ df plNnlvt sfuhft / sf8{df plNnlvt gfd ?h' ug{'kg]{5 .

-O_ sf8{sf] cu|efudf 5flkPsf] sf8{ Psfp06 gDa/sf] klxnf] rf/ c+s / $ c+ssf] Bank

Identification Number (BIN) ?h' ug{'kg]{5 .

-O{_ pk/f]Qm k|s[of ;DkGg u/] kZrft dfq ;6xL k|bfg ug{'kg]{5 .

-p_ o;/L ;6xL k|bfg ubf{ g]kfnL ?k}ofFdf dfq e'StfgL ug{' kg]{5 .

-pm_ sf/f]af/ ;DkGg eP kZrft o; a}+saf6 hf/L PsLs[t O=k|f=kl/kq @&÷@)&$ sf] Joj:yf

adf]lhd ljb]zL d'b|f ;6xL /l;b Foreign Exchange Encashment Receipt (FEER) hf/L

ug{'kg]{5 .

-5_ dlgr]~h/x¿n] sf/f]jf/df x'g] hf]lvd Go'lgs/0f ug{ b]xfo adf]lhdsf] k|s[of cjnDag ug{'kg]{5

.

-c_ a}+s tyf ljQLo ;+:yfaf6 k|fKt EMV POS Terminal af6 dfq sf/f]af/ ug{'kg]{5 .

-cf_ To:tf] POS Terminal af6 Fall Back sf/f]af/ ug{ kfOg] 5}g .

-O{_ Imprinter machine tyf voice authorization sf dfWodaf6 Manual÷MOTO sf/f]jf/ ug{

kfOg] 5}g .

-h_ PoS dfkm{t\ ljb]zL d'b|f ;6xLsf] Ohfht k|bfg ug]{ ;DaGwdf M

-c_ PoS dfkm{t\ ljb]zL d'b|f ;6xL k|bfg ug{ rfxg] dlgr]~h/x¿n] o; a}+saf6 Ohfht

lng'kg]{5 . o; ;DaGwL sf/f]jf/sf] Joxf]/f Ohfhtkqdf g} pNn]v ul/g]5 .

-cf_ dlgr]~h/x¿n] o:tf] Ohfht k|fKt ug{ cl3Nnf] cfly{s jif{df sDtLdf cd]l/sL 8n/ !@

nfv ;Dd sf/f]af/ u/]sf] x'g'kg]{5 .

-O_ g]kfn /fi6« a}+s dlgr]~h/ ljlgodfjnL, @)^& sf] ljlgod !$-s_ sf] pkljlgod -%_

adf]lhd sf/jfxLdf k/]sf] eP sf/jfxL e'Stfg ePsf] # jif{ k'/f ePsf] x'g'kg]{5 .

-O{_ PoS dfkm{t\ ljb]zL d'b|f ;6xL k|bfg ug{ pko'Qm ef}lts k'jf{wf/ ePsf] x'g'kg]{5 .

-em_ PoS ;]jf k|bfos a}+sn] sf/f]jf/ ;DaGwdf u|fxsnfO{ hfgsf/L lbg] k|of]hgsf nflu Ps ;"rgf

tof/ ug]{5 / pQm ;"rgf ;DalGwt dlgr]~h/x¿n] u|fxsn] b]Vg] u/L sf/f]jf/ :yndf /fVg'kg]{5

.

160

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M!^÷@)&^

gub kl/jTo{ ljb]zL d'b|f ljqmL tyf /sdfGt/ ;DaGwL Joj:yf

a}+s tyf ljQLo ;+:yfn] o; a}+saf6 kl/jTo{ ljb]zL d'b|f gubdf vl/b tyf /sdfGt/ ug{ rfx]df b]xfo

adf]lhd ;lsg] Joj:yf ul/Psf]n] ;f]xL adf]lhd ug'{÷u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g @)!(

sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6« a}+s a}+lsË sfof{no nufot ;Dk"0f{ sfof{nox¿ tyf

Ohfhtkqk|fKt æsÆ ju{ / /fli6«o:t/sf ævÆ ju{sf ljsf; a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 M

!= kl/jTo{ ljb]zL d'b|f ljqmL ug]{ ;DaGwL Joj:yf

-s_ cd]l/sL 8n/ ljqmL ;DaGwdf M

a}+s tyf ljQLo ;+:yfx¿n] cd]l/sL 8n/ gubdf vl/b ug{ rfx]df ;DalGwt a}+s tyf ljQLo

;+:yfsf] o; a}+sdf /x]sf] cd]l/sL 8n/ vftf vr{ u/L ljqmL ug{ ;lsg]5 .

-v_ cGo kl/jTo{ ljb]zL d'b|f ljqmL ;DaGwdf M

!= ljqmLb/ pNn]v ePsf kl/jTo{ ljb]zL d'b|fx¿ dfq ljqmL ug{ ;lsg]5 .

@= o; a}+s;Fu kof{Kt df}Hbft ePsf kl/jTo{ ljb]zL d'b|fx¿ dfq ljqmL ug{ ;lsg]5 .

#= cGo kl/jTo{ ljb]zL d'b|f ljqmL ubf{ cd]l/sL 8n/ tyf ljqmL ul/g] d'b|f b'j}df k|rlnt

ljqmL b/ nfu' x'g]5 .

$= ;DalGwt a}+s÷ljQLo ;+:yfsf] o; a}+s l:yt cd]l/sL 8n/ vftf vr{ u/]/ o:tf]

kl/jTo{ ljb]zL d'b|f ljqmL ul/g]5 .

@= a}+s÷ljQLo ;+:yfx¿ / o; a}+s aLr kl/jTo{ ljb]zL d'b|fsf] /sdfGt/ ;DaGwL Joj:yf M

-s_ ;DalGwt a}+s÷ljQLo ;+:yfx¿n] kl/jTo{ ljb]zL d'b|f /sdfGt/ ug'{kbf{ Value Date eGbf b'O{

sfo{lbg cufl8 g} /sdfGt/sf] nflu o; a}+ssf] a}+lsË sfof{nonfO{ o;};fy ;+nUg cg';"rL

!^=! jdf]lhd lnlvt cg'/f]w ug'{kg]{ 5 .

-v_ o;/L cg'/f]w kq k|fKt eP kl5 a}+lsª sfof{non] Value Date cufj} /sdfGt/sf] nflu SWIFT

Message k7fpg' kg]{5 .

-u_ Value Date sf] lbg ;DalGwt a}+s tyf ljQLo ;+:yfsf] vftfdf /sdfGt/ u/]sf] /sd a/fa/

x'g] /sd a}+lsË sfof{non] k|rlnt lgodfg';f/ 8]lj6 ug{'kg]{5 .

-3_ Value Date sf lbg ;DalGwt a}+s tyf ljQLo ;+:yfsf] vftfdf kof{Kt df}Hbft g/x]df k|rlnt

b/n] x'g] Aofh;lxt xhf{gf c;'n ug{'kg]{5 .

161

cg';"rL !^=!

-O=k|f=kl/kq ;+Vof !^ sf] @-s_ sf] k|of]hgsf] nflu_

ldlt M


a}+lsË sfof{no

yfkfynL, sf7df8f} .

ljifoM kl/jTo{ ljb]zL d'b|f /sdfGt/ af/] .

dxfzo,

o; a}+s÷ljQLo ;+:yfsf] sf/f]jf/sf] nflu b]xfo adf]lhd kl/jTo{ ljb]zL d'b|f /sdfGt/ ug{sf] nflu

cg'/f]w ub{5' .

!_ /sdfGt/ ul/g] kl/jTo{ ljb]zL d'b|fsf] kl/df0f ====================

@_ Eofn' 8]6====================

#_ kl/jTo{ ljb]zL d'b|f hDdf ug{' kg]{ M

-s_ Ph]G;L a}+ssf] gfdM

-v_ 7]ufgfM

-u_ vftf gDj/M

-3_ l:jkm\6 sf]8 M

pko{'Qm adf]lhdsf] kl/jTo{ ljb]zL d'b|f /sdfGt/ ul/lbg' x'gsf] ;fy} Eofn' 8]6sf] lbg To; sfof{nol:yt

xfd|f] vftf g+= ==================== df cfjZos /sd vr{ n]Vg x'g ;d]t cg'/f]w 5 . ;fy} pQm vftfdf kof{Kt

/sd g/x]sf] cj:yfdf k|rlnt Jofhb/af6 x'g cfpg] xhf{gf ltg{ ;d]t xfd|f] dGh'/L /x]sf] Joxf]/f cg'/f]w

5 .

ejbLo


gfd M

kb M

a}+ssf] 5fk M

162

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M!&÷@)&^

lrlgofF d'b|f o'cfg (Yuan) sf] sf/f]jf/ ;DaGwL Joj:yf

låkIfLo e'QmfgL tyf lx;fa ldnfg / ;xof]usf] ;DaGwdf g]kfn /fi6« a}+s / lkk'N; a}+s ckm

rfOgf aLr ldlt @)%(.#.# df ;DkGg d'n ;Demf}tf / ldlt @)&!.(.* df ;DkGg o; ;DaGwL k"/s

;Demf}tf sfof{Gjogsf] l;nl;nfdf lgDg Joj:yfx¿ nfu' ul/Psf] x'Fbf ;f]xL adf]lhd ug{÷u/fpg' x'g ljb]zL

ljlgdo -lgoldt ug]{_ P]g @)!( sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L g]kfn /fi6« a}+s, a}lsË sfof{no

nufot ;Dk"0f{ sfof{nox¿, Ohfhtkqk|fKt æsÆ / /fli6«o :t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿nfO{

of] kl/kq hf/L ul/Psf] 5 .

!= a}+s tyf ljQLo ;+:yfx¿n] o; a}+ssf] :jLs[lt lnO{ hgjfbL u0ftGq rLgl:yt s'g}klg jfl0fHo

a}+sdf o'cfg (Yuan) df vftf vf]Ng ;Sg]5g\

@= a}+s÷ljQLo ;+:yfx¿n] sf/f]jf/sf nflu cfjZos kg]{ kl/jTo{ ljb]zL d'b|f ljqmL u/L lrlgofFF d'b|f

o'cfg (Yuan) vl/b ug{ ;Sg]5g\ / vl/b ul/Psf] o'cfg (Yuan) rLgl:yt jfl0fHo a}+sdf vf]lnPsf]

vftfdf hDdf ug{ ;Sg]5g\

#= cGt/fli6«o Jofkf/sf e'QmfgL ;DaGwL k|rngx¿ tyf o; a}+saf6 hf/L kl/kqx¿sf] cwLgdf /xL

g]kfnsf a}+s tyf ljQLo ;+:yfx¿n] g]kfnL Jofkfl/s kmd{x¿ tyf lrlgofFF Jofkfl/s kmd{x¿ aLrsf]

Jofkf/sf] nflu k|tLtkq 8«fk\m6, l6=l6= nufotsf dfWodaf6 x'g] e'QmfgL / lx;fj ldnfg lrlgofF

d'b|f o'cfgdf ug{;Sg] 5g\ .

$= g]kfnL lgof{tstf{x¿n] lrlgofFF ahf/df ug]{ j:t' lgof{t, ;]jf ljqmL tyf g]kfnL kmd{, sDkgL jf

pBf]un] rLgaf6 k|fKt ug]{ C0f jf k|ToIf j}b]lzs nufgL afkt k|fKt /sd ;DalGwt a}+s÷ljQLo

;+:yfx¿n] o'cfgd} vftf vf]nL hDdf ug{ ;Sg]5g\ .

%= o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yf Pjd\ JolQm, kmd{, sDkgL, ;+:yfx¿n] g]kfn

e|d0fdf cfpg] lrlgofFF ko{6ssf cltl/Qm cGo u|fXo :jb]zL tyf ljb]zL JolQmx¿af6 k|rlnt

ljlgdo b/df lrlgofFF d'b|f o'cfg (Yuan) vl/b ug{ ;Sg]5g\ . o;/L ul/g] vl/b ko{6sx¿af6 ;f]e}m

jf Ohfhtkqk|fKt cGo lgsfox¿ h:t} xf]6]n, 6«fen Ph]G;L, dlgr]~h/ cflb dfk{mt klg ug{

;lsg]5 .

^= ;DalGwt a}+s÷ljQLo ;+:yfx¿n] vl/b u/]sf] o'cfg (Yuan) rLgl:yt jfl0fHo a}+sdf vf]lnPsf]

cfk\mgf] vftfdf hDdf ug{ k7fpg ;Sg]5g\ .

&= k|rlnt Joj:yf cGt/ut /xL rLgdf cWoog ug]{ ljBfyL{nfO{ lgjf{x vr{ tyf lghn] cWoog ug]{

ljZjljBfno÷sn]hsf] gfddf lzIf0f z'Ns afkt lrlgofFF o'cfgdf ;d]t ;6xL ;'ljwf pknJw

u/fpg ;lsg]5 .

*= lrlgofF d'b|f o'cfgdf cfo k|fKt ug]{ JolQm, kmd{, sDkgLn] vf]n]sf] o'cfg vftfaf6 k|rlnt Joj:yf

cg'?k tf]lsPsf] ;Ldf;Dd o'cfgdf e'QmfgL ug{ ;lsg]5 .

(= k|rlnt Joj:yf adf]lhd ljb]zL d'b|fdf vftf vf]Ng u|fXo JolQm, kmd{, sDkgL jf ;+:yf;Fu lrlgofF

d'b|f lnP/ ;6xL u/L cGo kl/jTo{ ljb]zL d'b|fdf vftf vf]Ng÷hDdf ug{ kfOg] 5}g .

!)= lrlgofF d'b|fdf hf/L ePsf qm]l86÷8]lj6 sf8{ k|of]uaf6 g]kfnL ?k}ofFdf e'QmfgL lbg ;lsg] 5 .

o:tf] /sdsf] lx;fj ldnfg rLgl:yt cfk\mg} o'cfg vftfaf6 ug{ ;lsg]5 .

163

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M!*÷@)&^

ljb]zL d'b|fdf vftf vf]Ng] / ;~rfng ug]{ ;DaGwL Joj:yf

o; a}+sn] ljb]zL d'b|fdf vftf vf]Ng], ;~rfng ug]{ / vr{ ug]{ Joj:yf ;DaGwdf lgDg Joj:yf ul/Psf]n]

;f]xL jdf]lhd ug{' u/fpg'x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n]

lbPsf] clwsf/ k|of]u u/L] g]kfn /fi6« a}+s, a}+lsË sfof{no nufot cGo sfof{no / Ohfhtkqk|fKt æsÆ ju{

tyf /fli6«o:t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

!= :jb]zdf vf]lng] ljb]zL d'b|fsf] vftf / ;~rfng ;DaGwL Joj:yf M

-s_ vftf vf]Ng u|fXo JolQm, kmd{, sDkgL, tyf ;+3÷;+:yfx¿ M

kl/jTo{ ljb]zL d'b|fsf] cfo ;|f]t ePsf b]xfosf JolQm, kmd{, sDkgL tyf ;+3÷;+:yfx¿n] kl/jTo{

ljb]zL d'b|fdf vftf vf]Ng ;Sg]5g\ . -!_ cGt/f{li6«o ;+3, ;+:yf, lgof]u, k|];, g]kfnl:yt ljb]zL b'tfjf; tyf s'6gLlts lgof]u,

s'6gLlts x}l;ot k|fKt JolQmx¿ / To:tf ;+:yfsf] sd{rf/L, k|ltlglw eO{ jf sfd u/L

kl/jTo{ ljb]zL d'b|fdf tnj, eQf, k]G;g cflb kfpg] JolQmx¿

-@_ g]kfndf ljlwjt btf{ eO{ cg'dlt kfO{ sfo{ ug]{ ljb]zL ;+3, ;+:yf, sDkgL, kmd{ / ltgsf

Ph]G6 -k|ltlglw_

-#_ g]kfndf ljlwjt btf{ eO{ ljb]zdf ;]jf k'¥ofpg] Dofgkfj/ nufotsf sDkgL÷kmd{ tyf

;+ul7t OsfO{x¿

-$_ ljb]zdf gf]s/L, Joj;fo tyf ;]jf nufotsf cfod'ns sfo{ ug]{ g]kfnL gful/sx¿

-%_ ljb]zdf tflnd, ;]ldgf/, cWoog, cWofkg, ko{6g nufotsf cf}krfl/s tyf cgf}krfl/s

Pjd\ lghL e|d0fdf hfg] g]kfnL gful/sx¿

-^_ n]v, /rgf, k'/:sf/, /f]oN6L Pjd\ sG;N6]G;L ;]jf afkt kl/jTo{ ljb]zL d'b|f cfh{g ug]{

;+3, ;+:yf, sDkgL÷kmd{ tyf g]kfnL gful/sx¿

-&_ gfkmf cfh{g ug]{ p2]Zo gePsf kl/jTo{ ljb]zL d'b|fdf ;xof]u cg'bfg kfpg] / g]kfndf

ljlwjt btf{ eO{ sfo{ ug{] cg'dlt kfPsf cGt/f{li6«o tyf /fli6«o u}x| ;/sf/L tyf

;fdflhs ;+3 ;+:yfx¿

-*_ k|rlnt sfg"g adf]lhd g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 :jLs[lt k|fKt u/L g]kfndf

sfo{ ug]{, j;f]jf; ug]{ tyf ko{6ssf] ¿kdf g]kfn cfpg] ljb]zL gful/sx¿

-(_ ljb]zL ;/sf/ jf ;+3 ;+:yf sDkgL cflbaf6 Ifltk"lt{ k|fKt ug]{ g]kfnL gful/sx¿

-!)_ lgof{t tyf ko{6g If]qaf6 kl/jTo{ ljb]zL d'b|f cfh{g ug]{ sDkgL, kmd{ nufotsf

Joj;foLx¿

-!!_ aLdf ;ldltaf6 jLdf Joj;fo ug{ Ohfht k|fKt u/L ljb]zL d'b|fdf lk|ldod / ljb]zL aLdf

sDkgLx¿af6 ljb]zL d'b|f k|fKt ug{] aLdf sDkgLx¿

164

-!@_ o; ljefuaf6 ljb]zL d'b|fsf] sf/f]jf/ ug{ Ohfhtkqk|fKt ljk|]if0f (Remittance),

dlgr]Gh/, Po/nfOG;, xf]6n, sfuf]{, s'l/o/, 6«fen, 6«]lsË ¥ofk\ml6Ë, dfp06]lgol/Ë

nufotsf ljljw ko{6sLo ;]jf pknJw u/fpg] sDkgL÷kmd{ tyf ;+ul7t lgsfox¿

-!#_ Unf]jn 6]08/ cGt/ut 7]Ssf k|fKt u/]sf] 7]s]bf/ JolQm tyf ;+:yfx¿

-!$_ ljb]zL b'tfjf;, s'6gLlts lgof]u, ljb]zL ;+3 ;+:yf jf sDkgL;Fu ;Demf}tf÷;xdlt u/L

sfof{b]z kfPsf jf Deemed Export sf] dfWodaf6 j:t' tyf ;]jf cfk"lt{ u/fP afkt

ljb]zL d'b|fdf e'QmfgL kfpg] g]kfnL sDkgL÷kmd{ nufotsf ;+ul7t ;+3 ;+:yf / g]kfnL

gful/sx¿ .

-!%_ u}x| cfjf;Lo g]kfnL gful/sx¿

-!^_ bfg, bftJo, pkxf/ k|fKt ug]{ s'g} JolQm÷kmd{÷sDkgL jf ;+:yf

-v_ vftfsf] lsl;d M

kl/jTo{ ljb]zL d'b|fdf b]xfo adf]lhd $-rf/_ lsl;dsf vftf vf]Ng ;lsg]5 M

-s_ rNtL vftf -v_ art vftf -u_ sn vftf / -3_ d'2lt vftf

-u_ vftf vf]Ng kfOg] kl/jTo{ ljb]zL d'b|fx¿ M

g]kfn /fi6« a}+sn] b}lgs ¿kdf k|sflzt ug]{ ljlgdo b/ ;DaGwL ;"rgfdf ;dfj]z ePsf kl/jTo{

ljb]zL d'b|fx¿dWo] ef/tLo ¿k}ofF afx]s vl/b tyf ljqmL b'j} b/ pNn]v ePsf d'b|fx¿

-3_ vftf vf]Ng] tyf ;~rfng ug]{ k|s[of M

kl/jTo{ ljb]zL d'b|fdf vftf vf]Nbf tyf To;/L vf]lnPsf vftfx¿ ;~rfng ubf{ b]xfo adf]lhd

ug'{÷u/fpg' kg]{5 M

-!_ vftf vf]Nbf tyf ;~rfng ubf{ cfk\mgf] u|fxssf] :ki6 klxrfg (Know your customer)

sfod x'g] u/L ;DkQL z'4Ls/0f -dlg nfp08l/Ë_ lgjf/0f P]g, @)^$, ljb]zL ljlgdo

-lgoldt ug]{_ P]g, @)!(, ljb]zdf nufgL ug{ k|ltaGw nufpg] P]g, @)@! nufotsf

k|rlnt P]g, lgod tyf ;f] cGt/ut hf/L ePsf lgb]{zg, kl/kq cflbdf ePsf Joj:yfx¿

kfngf ug'{ kg]{5

-@_ u}x| cfjf;Lo g]kfnL gful/ssf] gfddf vftf vf]Nbf g]kfn ;/sf/sf] ;DalGwt lgsfoaf6

hf/L ePsf] u}x| cfjf;Lo g]kfnL gful/ssf] kl/rokqsf] k|ltlnlk ;d]t lng' kg]{ 5 . vftf

;~rfngsf] nflu ;f] k|df0fkq cWofjlws ¿kdf gjLs/0f ;d]t ePsf] x'g'kg]{ 5 .

-#_ s'6g}lts x}l;ot k|fKt JolQmx¿sf] vftf vf]Nbf g]kfn ;/sf/, k//fi6« dGqfnoaf6 hf/L

ePsf] k|df0f k]z ug'{ kg]{5 .

-$_ kl/jTo{ ljb]zL d'b|fsf] cfkmg} ;|f]t ePsf lgsfo tyf JolQmx¿nfO{ dfq o:tf] vftf vf]Ng

lbg' kg]{5 . o; Joj:yf cGt/ut j}b]lzs /f]huf/df uPsf jf j}b]lzs /f]huf/af6 kms]{sf,

lghL jf clkml;on e|d0fdf ljb]z uO{ kms]{sf g]kfnL gful/sx¿n] /fxbfgL ;'ljwf / cGo

vr{ afkt ;6xL u/]sf] kl/jTo{ ljb]zL d'b|f e|d0f ;lsO{ afFsL /xg uPdf ;f] ar]sf]

kl/jTo{ ljb]zL d'b|f gofF vftf vf]nL jf eO{ /x]sf] kl/jTo{ ljb]zL d'b|f vftfdf hDdf ug{

;Sg]5g\ .

-%_ tTsfn ;|f]t gv'Ng] t/ ljb]zL d'b|f kl5 k|fKt x'g] u/L ePsf s'g} klg lnvtsf] cfwf/df

ljb]zL d'b|f k|fKt ePkl5 dfq ;~rfng x'g] u/L ;DalGwt a}+s÷ljQLo ;+:yfn] cfk\mgf]

lgodsf] kl/lwleq /xL z'Go df}Hbftdf ;d]t vftf vf]ln lbg ;Sg]5g\ .

-^_ vftfdf gub} /sd hDdf ubf{ kl/jTo{ ljb]zL d'b|fsf] ;|f]t v'Ng] sfuhft jf k|df0f lng'

kg]{5 . JolQm ljz]ifn] cd]l/sL 8n/ %,))).– -kfFrxhf/_ jf ;f] a/fa/sf] cGo kl/jTo{

ljb]zL d'b|feGbf a9L x'g] u/L gub} hDdf ug{ NofPdf lgh g]kfn k|j]z ubf{sf] k|j]z ljGb'df

3f]if0ff u/]sf] k|df0f jf g]kfnL gful/ssf] /fxbfgLdf b/lk7 ePsf] ;d]tsf] cfwf/df dfq

165

hDdf ug{ ;lsg]5 . Pp6} JolQm ljz]ifn] k6s k6s u/L plNnlvt ;LdfeGbf a9L gub}

ljb]zL d'b|f hDdf ug{ NofPdf lgh k6s÷k6s ljb]z uO{ kms]{sf] eGg] Joxf]/f jf ;LdfeGbf

a9L x'g] ljb]zL d'b|fsf] ;|f]t osLg u/]/ dfq hDdf ug'{ kg]{5 .

-&_ ljb]zL gful/s -ko{6s ;d]t_ sf] vftf vf]Nbf lghx¿sf] le;f cjlw;Dd dfq vftf

;~rfng x'g ;Sg] u/L vf]Ng' kg]{5 . o:tf] vftf le;fsf] cjlw yk ePsf] cfwf/df k'gM

;~rfng ug{ ;lsg]5 . ljb]zL gful/s -ko{6s ;d]t_ n] g]kfndf /xFbf÷a:bf vf]n]sf]

ljb]zL d'b|fsf] vftfaf6 g]kfndf e'QmfgL lbg] k|of]hgsf nflu dfq a}+s vftf ;~rfngnfO{

lg/Gt/tf lbg rfx]df lghsf] JolQmut ljj/0f cBfjlws u/L vftf ;~rfngnfO{ lg/Gt/tf

lbg ;lsg]5 . vftfjfnf ljb]zL gful/s ljb]z kmls{hfg] ePdf ;f] k'li6 x'g] sfuhft lnO{

lghsf] vftfdf afFsL /x]sf] ljb]zL d'b|f vftf aGb u/L lghsf] vftf /x]sf] ljb]zL a}+sdf

k7fpg ;lsg]5 .

-*_ ljb]zL d'b|fsf] cfDbfgL jf ;|f]t k|dfl0ft x'g] Negotiable Instrument dfk{mt klg vftfdf

/sd hDdf ug{ ;lsg]5 . t/, To:tf] Instrument sf] k|fks (Payee) vftfjfnf cfk}m x'g'

kg]{5 . c¿sf] gfdaf6 b/kL7 (Endorse) ePsf] x'g' x'b}g . t/ ljb]zL gful/ssf] gfddf

/x]sf] Transferable Negotiable Instrument eg] ;DalGwt k|fks (Payee) n] csf]{ ljb]zL

gful/ssf] gfddf b/kL7 u/L lbPsf] 5 eg] To:tf] Instrument sf] kl/jTo{ ljb]zL d'b|f

;DalGwt ljb]zL gful/ssf] vftfdf hDdf ug{ ;lsg]5 .

-(_ Psf3/ kl/jf/sf ;b:ox¿ aLr b'O{ jf b'O{ eGbf a9L JolQmx¿sf] gfddf ;+o'Qm vftf klg

vf]Ng ;lsg]5 . o:tf] vftfdf /sd hDdf ubf{ vftfjfnfdWo] slDtdf s'g} Pssf] kl/jTo{

ljb]zL d'b|fsf] cfo ;|f]t v'Ng] / gftf k|dfl0ft x'g] sfuhft lng' kg]{5 .

-!)_ JolQmut vftfjfnfn] clVtof/ k|bfg u/]df lghsf] >LdtL, afa', cfdf, 5f]/f, 5f]/Ln] klg

To:tf] clVtof/ adf]lhd vftf ;Grfng ug{ kfpg] 5g\ . t/, o:tf] clVtof/ k|bfg ubf{

;DalGwt lgsfoaf6 k|dfl0ft ePsf] gftf k|dfl0ft k|df0fkqsf] k|ltlnlk clgjfo{sf] ¿kdf

lng' kg]{5 .

-!!_ ;+:yfut vftfsf] xsdf ;DalGwt ;+3 ;+:yfsf] ;+rfns ;ldlt jf ;f] ;+:yfaf6 clVtof/

k|fKt lgsfo÷kbflwsf/Ln] tf]s] adf]lhd lgodfg';f/ vftf ;~rfng ug'{ kg]{5 .

-!@_ k|rlnt Joj:yf adf]lhd jf g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 dfn ;fdfg cfoft ug{

:jLs[lt k|fKt vftfjfnfn] ljb]zaf6 dfn ;fdfg cfoft ubf{ cfoft ;DaGwL cyf{t k|rlnt

Joj:yf adf]lhd e'QmfgL ug{ ;Sg]5g\ .

-!#_ o'cfg afx]s cGo kl/jTo{ ljb]zL d'b|fdf vf]lnPsf vftfdf /x]sf] ljb]zL d'b|f jf gub ;6xL

u/L cGo kl/jTo{ ljb]zL d'b|fdf kl/jt{g ug{ rfx]df k|rlnt ljlgdo b/df ;6xL u/L

e}/x]sf] vftfdf hDdf ug{ jf gofF vftf vf]nL hDdf ul/lbg ;lsg]5 .

-!$_ vftfsf] cjlw, Go'gtd df}Hbft, Jofh b/ nufot vftf ;Grfng ;DaGwL cGo k|s[of

;DalGwt a}+s tyf ljQLo ;+:yfn] to u/] adf]lhd x'g]5 . vftf ;~rfng kZrft\ vftf

;~rfng ;DaGwL s'g} klg Joj:yf kl/jt{g ePdf vftfjfnfnfO{ hfgsf/L u/fpg' kg]{5 .

-!%_ o; ljefuaf6 kl/jTo{ ljb]zL d'b|fdf sf/f]jf/ ug{ Ohfht k|fKt lgsfosf] vftf To:tf]

Ohfhtkqsf] cjlw jxfn /x];Dd dfq ;~rfng x'g] u/L vf]Ng' kg]{5 . ;fy}, To:tf]

Ohfhtkqsf] cjlw ;dfKt ePsf] #) lbg;Dd klg Ohfhtkq gjLs/0f ePsf] k|df0f jf

o; ljefusf] :jLs[lt kq k]z gu/]df To:tf vftf ;~rfngdf k"0f{ ¿kdf /f]s nufpg'

kg]{5 . ljb]zLnfO{ ;]jf ljqmL u/L ljb]zaf6 k|fKt ePsf] /sd To:tf vftfdf hDdf dfq

ug]{ u/L :jLsf/ ug{ eg] ;lsg]5 .

166

-!^_ vftfjfnfn] rfx]df Pp6f a}+s tyf ljQLo ;+:yfsf] vftfdf /x]sf] kl/jTo{ ljb]zL d'b|f csf]{

a}+s tyf ljQLo ;+:yfdf /x]sf] cfk\mg} vftfdf r]s jf 6«fG;km/sf] dfWodaf6 ljb]zL d'b|fd}

/sdfGt/ ug{ kfpg] 5g\ . o;/L /sdfGt/ x'g] kl/jTo{ ljb]zL d'b|fsf] ;DaGwdf hDdf ug]{

a}+s tyf ljQLo ;+:yfn] ;|f]tsf] k|df0f lng' kg]{ 5}g .

-!&_ s'g} JolQm jf ;+:yfn] ljb]zL d'b|fdf bfg, bftJo, pkxf/ k|fKt u/]df To:tf] ljb]zL d'b|fsf]

;|f]t / ljj/0f v'nfO{ JolQmsf] xsdf kl/rokq tyf ;+:yfsf] xsdf btf{ ;DaGwL

sfuhftx¿ lnO{ cfjZos k|lqmof k'¥ofO{ ljb]zL d'b|fdf vftf vf]Ng ;lsg]5 .

-ª_ kl/jTo{ ljb]zL d'b|f vftfaf6 vr{ ug]{ Joj:yf M

-!_ ;fdfGotof kl/jTo{ ljb]zL d'b|f vftfdf /x]sf] df}Hbftn] EofP;Dd vftfjfnfn] cfk\mgf]

vftf vr{ u/L e'QmfgL lbg ;Sg]5g\

-@_ v08 -ª_-!_ adf]lhd e'QmfgL kfpg] kIf g]kfnL eP g]kfnL ¿k}ofFdf / ef/tLo ePdf

k|rlnt ljlgdo b/df ef/tLo ¿k}ofFdf dfq e'QmfgL ug'{ kg]{5 . t/, e'QmfgL kfpg] kIf

;/sf/L lgsfo ePsf] v08df o:tf] aGb]h nfu' x'g] 5}g . To:t} ljb]zL d'b|f sf/f]jf/

;DaGwdf o; ljefuaf6 ePsf cGo kl/kqx¿n] u/]sf] Joj:yf cg'¿k e'QmfgL ug{ eg]

o; Joj:yfn] afwf k'¥ofPsf] dflgg] 5}g

-#_ vftfjfnfn] cfk\mgf] vftfdf /x]sf] kl/jTo{ ljb]zL d'b|f afx]s cGo kl/jTo{ ljb]zL d'b|fdf

e'QmfgL ug{ rfx]df k|rlnt ljlgdo b/df ;6xL u/L e'QmfgL ug{ ;lsg]5 . t/, o;

ljefusf] :jLs[lt glnO{ lrlgofF d'b|fdf vf]lnPsf] vftfaf6 ;6xL u/L cGo d'b|fdf e'QmfgL

lbg kfOg] 5}g

-$_ cfˆgf] vftfaf6 JolQmut vftfjfnn] gub} kl/jTo{ ljb]zL d'b|f lemSg rfx]df s'6gLlts

x}l;ot k|fKt JolQmx¿nfO{ gubd} klg e'QmfgL lbg ;lsg] 5 . ;fy}, ljleGg b'tfjf; tyf

s'6gLlts lgof]udf sfo{/t le;fk|fKt u}/–s'6gLlts ljb]zL sd{rf/Lx¿nfO{ cfkm\gf]

JolQmut kl/jTo{ ljb]zL d'b|f vftfaf6 k|lt dlxgf gubdf o'=P;=8n/ %)).– jf ;f]

a/fa/sf] /sd;Dd e'QmfgL lbg ;lsg]5 . cGo vftfjfnsf] xsdf ljb]z hfg' k/]sf]

cj:yfdf dfq k|rlnt Joj:yf adf]lhd gubdf o'=P;=8n/ %)).– jf ;f] a/fa/sf]

/sd;Dd e'QmfgL lbg ;lsg]5 . ljb]z hfg' k/]sf] cj:yfdf ;f] eGbf a9Lsf] gub ;6xL

lbg' k/]sf] v08df cf}lrTosf] cfwf/df ;DalGwt a}+s tyf ljQLo ;+:yfsf] zfvf÷sfof{no

k|d'vn] :jLs[lt lbPdf o:tf] ;6xL k|bfg ug{ ;lsg]5 .

o;/L gubdf e'QmfgL ubf{ gub gf]6x¿ kl5 Counterfeit 7xl/Pdf vftfjfnf :jod\

lhDd]jf/ x'g' kg]{ Joxf]/fsf] zt{ /fvL e'QmfgL ug'{ kg]{5 .

-%_ s'g} klg vftfjfnn] ljb]zaf6 lnPsf] ;]jfsf] e'QmfgL ubf{ ;f] e'QmfgLdf k|rlnt sfg"g

adf]lhd nfUg] clu|d s/ (TDS) bflvnf u/]sf] k|df0f lng' kg]{5 .

-^_ g]kfnL gful/sx¿sf] gfddf vf]lnPsf] s'g} klg lsl;dsf] kl/jTo{ ljb]zL d'b|f vftfaf6

;DalGwt vftfjfnf / lghsf] kl/jf/sf ;b:ox¿nfO{ b]xfo adf]lhd cfjZos kg]{ kl/jTo{

ljb]zL d'b|f vr{ ug{ ;lsg]5 . ;f]eGbf a9L /sd cfjZos k/]df k|s[of k'¥ofO{ cGo

dfWodaf6 ;6xL ;'ljwf k|bfg ug'{ kg]{5 .

-s_ cf}ifwf]krf/sf] nflu hfg'k/]df jf uO{ ;s]sf] cj:yfdf /sd gk'u ePdf k|of]hg /

kl/jf/sf] ;b:o ePsf] k'li6 x'g] sfuhftsf] cfwf/df cfjZostf cg'¿ksf] vr{

-v_ ljb]zaf6 cfoft ug{ jf cfoft u/]sf] dfn ;fdfgsf] e'QmfgL ug'{ k/]df JolQmut

k|of]usf] nflu cfoft ug{ ;lsg] elg tf]lsPsf j:t'x¿, lem6Lu'06f ;'ljwf

cGt/utsf j:t'x¿ tyf g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 cfoft ug{ :jLs[lt

lnOPsf dfn;fdfgx¿ k|rlnt Joj:yf adf]lhd cfoft ubf{ e'QmfgL ug'{ kg]{ /sd .

167

-u_ k|rlnt Joj:yf adf]lhdsf sfuhft lnO{ Psf3/ kl/jf/sf ;b:onfO{ ljb]zdf lzIff

cfh{g ug{ cfjZos z}lIfs z'Ns, lgjf{x vr{ / z}lIfs e|d0f vr{

-3_ ljb]zL ;+:yfaf6 lnOPsf] ;]jf k'li6 x'g] cfjZos sfuhftsf] cfwf/df ;DalGwt

;+:yfnfO{ e'QmfgL ug'{ kg]{ jflif{s cd]l/sL 8n/ !%,))).– -kGw| xhf/_ ;Dd jf ;f]

a/fa/ x'g] cGo kl/jTo{ ljb]zL d'b|f

-ª_ xjfO{ l6s6 jf dfn ;fdfg cfoftsf] l;nl;nfdf 9'jfgL tyf jLdf z'Ns e'QmfgLsf]

nflu cfjZos kg]{ aLn÷aLhs cflbdf plNnlvt ljb]zL d'b|f . o:tf] /sd e'QmfgL

ubf{ Account Payee 8«fkm\6÷l6=l6÷r]ssf] dfWodaf6 dfq ug'{ kg{]5

-r_ ljb]zL d'b|fdf cfo cfh{g u/L ljb]zL d'b|fdf vftf ePsf :jb]zL JolQm, kmd{, sDkgL

Pjd\ g]kfnL gful/sx¿ ljb]z e|d0fdf hf+bf cfjZos sfuhft lnO{ cfˆgf] vftfdf

ePsf] ljb]zL d'b|f k|rlnt Joj:yf adf]lhd pkof]u ug{ rfx]df ljb]zL d'b|f

df}Hbftaf6 Ps k6s jf k6s k6s u/L jif{df a9Ldf cd]l/sL 8n/ !%,))).– -kGw|

xhf/_ ;Dd ;Dd jf ;f] a/fa/sf] cGo kl/jTo{ ljb]zL d'b|fdf a}+lsË pks/0f dfkm{t

pkof]u ug{ ;lsg]5

-5_ cGt/f{li6«o ;+3–;+:yfx¿df sfd u/L tnj eQf tyf k]G;gsf] ?kdf ljb]zL d'b|f

cfh{g ug]{ g]kfnL gful/sx¿n] cfjZos sfuhftsf] cfwf/df g]kfnL a}+sx¿df

vf]lnPsf] ljb]zL d'b|f vftfdf hDdf ePsf] kl/jTo{ ljb]zL d'b|f k|rlnt Joj:yfn] vr{

ug{ 5'6 lbPsf j:t' cfoft ug{, ko{6g / ;]jf v/Lbsf nflu Ps k6sdf cd]l/sL

8n/ !%,))).– -kGw| xhf/_ ;Dd jf k6s k6s u/L Ps jif{df hDdf cd]l/sL 8n/

@),))).– -cd]l/sL 8n/ jL; xhf/_ jf ;f] j/fj/;Ddsf] cGo kl/jTo{ ljb]zL d'b|fdf

pkof]u ug{ ;lsg]5 . t/ o:tf] ;6xL k'FhLut vr{ / nufgLsf] ?kdf ljb]zdf pkof]u

ug{ kfOg] 5}g .

-&_ j:t' tyf ;]jf lgof{t / ko{6g If]qaf6 ePsf] cfh{gaf6 kl/jTo{ ljb]zL d'b|fdf vf]lnPsf]

vftfaf6 b]xfo adf]lhd kl/jTo{ ljb]zL d'b|f vr{ ug{ ;lsg]5 .

-s_ cfk\mgf] tyf cfk\mgf] Sister Concern sf] nflu cfjZos kg]{ dfn ;fdfg k|rlnt

Joj:yf adf]lhd cfoft ug{ jf cfoft ePsf] cflwsfl/s k|df0fsf] cfwf/df e'QmfgL

ug{ . Sister Concern sf] nflu e'QmfgL ug'{ k/]df k|rlnt kl/efiff cg'¿k Sister

Concern xf] eGg] Joxf]/f k|dfl0ft x'g] sfuhft lng' kg]{5 .

-v_ lgof{t ePsf] j:t' tyf ;]jfsf] u'0f:t/, kl/df0f cflbdf km/s k/]sf] sf/0fn] ljb]zL

cfoftstf{af6 ;DalGwt a}+s tyf ljQLo ;+:yf dfk{mt bfjL kg{ cfPdf lgof{t eO{

;f]sf] e'QmfgL k|fKt ePsf] k'li6 x'g] sfuhftx¿ / cflwsfl/s bfjLsf] cfwf/df k|lt

lgof{t÷sG;fOG6d]06 a9Ldf cd]l/sL 8n/ !,))).– jf bfjL /sd dWo] h'g sd x'G5

;f] /sd ;DalGwt ljb]zL cfoftstf{n] kfpg] u/L e'QmfgL ug{ ;lsg] 5 .

-u_ cfk\mgf] tyf cfk\mgf] Sister Concern sf] nflu ljb]zL ;+:yfaf6 lng] ljljw ;]jf, cb[Zo

cfoft (Invisible import) lnP÷u/]sf] k'li6 x'g] sfuhft÷aLn aLhssf] cfwf/df

dfl;s?kdf a9Ldf cd]l/sL 8n/ !%,))).– -kGw| xhf/_ jf ;f] a/fa/ x'g] /sd

;DalGwt kIfnfO{ e'QmfgL ug{ tyf o:t} k|of]hgsf] nflu lgofds lgsfosf]

l;kmfl/;÷:jLs[lt jf o; ljefusf] :jLs[ltsf] cfwf/df ;f] ;LdfeGbf a9L /sd

e'QmfgL ug{ ;lsg]5 .

-3_ cfˆgf] tyf cfk\mgf] l;i6/ sG;g{sf] Jofkf/ Joj;fo k|a4{gsf] nflu ljb]zdf cfof]hgf

x'g] d]nf, k|bz{gL cflbdf efu lng], cGt/f{li6«o ;+3 ;+:yfdf cfa4tf x'g], ;b:otf

168

lng] cflb k|of]hgsf] nflu :6n a'lsË, btf{ ;b:otf, cfj4tf z'Ns ;DalGwt

;+:yfnfO{ e'QmfgL ug{ ;lsg]5 .

-ª_ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 Ohfht÷:jLs[lt k|fKt u/L ljb]zdf

zfvf÷;Dks{ sfof{no÷k|bz{g sIf cflb :yfkgf u/]sf] cj:yfdf ;f]sf] k|df0fsf]

cfwf/df ljBdfg Joj:yf adf]lhd To:tf sfof{no ;~rfngsf] nflu cfjZos kg]{

/sd e'QmfgL ug{ ;lsg]5 .

-r_ o; ljefuaf6 hf/L PsLs[t kl/kqsf] O=k|f= kl/kq ;+VofM & sf] bkmf # df ;dfj]z

ePsf] Joj:yf adf]lhdsf] e|d0f vr{ k|bfg ug{ .

-*_ ljb]zL /fhb'tfjf; s'6gLlts lgof]ux¿n] vf]n]sf] vftfx¿af6 b]xfo adf]lhd kl/jTo{

ljb]zL d'b|fdf vr{ ug{ ;lsg]5 M

-s_ s'6gLlts ;'ljwf cGtu{t, g]kfnsf ;+3÷;+:yf cflbnfO{ cg'bfg÷;xof]usf] ¿kdf

pknJw u/fpg, g]kfn ;/sf/sf] ;DalGwt lgsfosf] :jLs[ltsf] cfwf/df / cfk\mgf]

pkof]u ;d]tsf] k|of]hgsf] nflu k|rlnt Joj:yf adf]lhd ul/g] cfoftsf] e'QmfgL

ug{

-v_ k|rlnt sfg"gn] lgif]w u/]sf] afx]ssf cGo s'g} klg k|of]hgsf] nflu ljb]zl:yt

JolQm, lgsfo cflbnfO{ e'QmfgL ug{ tyf /sdfGt/ ug{

-u_ cfkmgf kbflwsf/L÷sd{rf/Lx¿ ljb]z e|d0fdf hfFbf lgodfg';f/ pknJw u/fOg] b}lgs

tyf e|d0f vr{ nufotsf vr{sf] e'QmfgL ug{

-3_ dfly plNnlvt k|of]hgsf nflu ef/tdf ;d]t CIF d"No ;Dddf kl/jTo{ ljb]zL d'b|f

jf ef/tLo d'b|fdf e'QmfgL ug{

-(_ s'6gLlts x}l;ot k|fKt ljb]zL gful/s, u}x| cfjf;Lo g]kfnL gful/s / ljb]zL

gful/sx¿n] vf]n]sf] vftfx¿af6 b]xfo adf]lhd kl/jTo{{ ljb]zL d'b|fdf vr{ ug{ ;lsg]5 M

-s_ s'6gLlts x}l;ot k|fKt ljb]zL gful/sx¿n] s'6gLlts ;'ljwf cGt/ut k|rlnt

Joj:yf ad]flhd ug]{ cfoftsf] e'QmfgL ug{

-v_ g]kfn ;/sf/sf] ;DalGwt lgsfosf] :jLs[lt lnO{ k|rlnt Joj:yf adf]lhd cGo

cfoftsf] e'QmfgL ug{

-u_ k|rlnt sfg"gn] lgif]w u/]sf] afx]ssf cGo s'g} klg k|of]hgsf] nflu ljb]zl:yt

JolQm, lgsfo cflbnfO{ e'QmfgL÷/sdfGt/ ug{


jf ef/tLo d'b|fdf e'QmfgL ug{

-!)_ cGt/f{li6«o ;+3÷;+:yf÷k|]z, ljb]zL ;+3÷;+:yf, gfkmf cfh{g ug]{ p2]Zo gePsf

cGt/f{li6«o÷ /fli6«o u}x| ;/sf/L tyf ;fdflhs ;+:yfx¿n] vf]n]sf vftfaf6 b]xfo adf]lhd

kl/jTo{ ljb]zL d'b|fdf vr{ ug{ ;lsg]5 M

-s_ cfk\mgf] pkof]u jf g]kfnl:yt ;+3 ;+:yfnfO{ cg'bfg÷;xof]usf] ¿kdf pknJw

u/fpg] k|of]hgsf] nflu / g]kfn ;/sf/sf] ;DalGwt lgsfo jf lgodgsf/L lgsfosf]

:jLs[lt÷l;kmfl/;df k|rlnt Joj:yf adf]lhd ul/g] cGo cfoftsf] e'QmfgL ug{

-v_ cfk\mgf] kbflwsf/L tyf sd{rf/Lx¿ ljb]z e|d0fdf hfFbf lgodfg';f/ pknJw u/fpg]

b}lgs tyf e|d0f nufotsf vr{sf] e'QmfgL ug{

-u_ cfk\mgf] dft[ ;+:yf÷cg'bfg ;xof]u k|bfos ;+:yf;Fu ePsf] lnlvt ;Demf}tf÷

;xdlt÷;xsfo{ cflbsf] cfwf/df g]kfn ;/sf/sf] ;DalGwt lgsfo jf lgodgsf/L

lgsfoaf6 :jLs[lt÷l;kmfl/; ePsf] sfo{s|d ;~rfngsf] nflu d'n's aflx/ tyf

d'n's leq} e'QmfgL ug{ . o:tf] sfo{qmdsf] nflu e'QmfgL ubf{ ljb]zaf6 k|ltlglwTj ug]{

169

ljb]zL gful/snfO{ dfq lgh g]kfn k|j]z u/L sfo{qmddf ;xefuL ePsf] k|df0fsf]

cfwf/df b}lgs eQf nufotsf vr{ ljb]zL d'b|fdf gubdf ;d]t e'QmfgL ug]{

k|of]hgsf] nflu gub gf]6x¿ kl5 hfnL -Counterfeit) 7xl/Pdf vftfjfn :jo+d

lhDd]jf/ x'g' kg]{ zt{ /fvL gubdf ;d]t e'QmfgL ug{ ;lsg]5 . o:tf] ;6xL lbg]

a}+sn] e'QmfgL u/]sf] /sdsf] e/kfO{ ;lxtsf] ;DalGwt ljj/0f k]z ug{ nufpg'

kg]{5 .


jf ef/tLo d'b|fdf ;d]t e'QmfgL ug{ ;lsg] 5 .

-!!_ o; a}+saf6 kl/jTo{ ljb]zL d'b|fsf] sf/f]jf/ ug{ Ohfhtkqk|fKt ljk|]if0f sDkgL, dlgr]Gh/,

6«fen, 6«]lsË, sfuf]{, xf]6n, Po/nfOG; tyf ;f]sf] lh=P;=P÷lk=P;=P nufot b]xfo

adf]lhdsf] cGo lgsfox¿n] vf]n]sf vftfaf6 b]xfo adf]lhd kl/jTo{ ljb]zL d'b|fdf

hDdf÷vr{ ug{ ;lsg]5 M

-s_ ljk|]if0f (Remittance) ;DaGwL sf/f]jf/ ug]{ lgsfo M

-!_ ljb]zl:yt a}+s÷ljQLo ;+:yfx¿af6 o:tf lgsfosf] gfddf k|fKt x'g] /sd dfq

vftfdf hDdf ug{ ;lsg]5 .

-@_ vftfdf hDdf ePsf] kl/jTo{ ljb]zL d'b|f hDdf ePsf] ldltn] !% lbg;Dd dfq

ljb]zL d'b|fdf /fVg ;lsg]5 . ;f] cjlw gf3]kl5 a}+s÷ljQLo ;+:yfn] clgjfo{

¿kdf g]kfnL ¿k}ofsf] vftfdf /sdfGt/ ug'{ kg]{5 .

-#_ kl/jTo{ ljb]zL d'b|fdf k|fKt x'g] sld;g afktsf] /sd cfh{g k|dfl0ft x'g]

sfuhftsf] cfwf/df a]Un} vftf vf]nL hlt cjlw;Dd klg /fVg ;lsg]5 .

-$_ vftfdf /x]sf] ljb]zL d'b|f df}Hbft o; a}+s jf o; a}+saf6 ljb]zL d'b|fdf

sf/f]jf/ ug]{ Ohfhtkqk|fKt s'g} klg a}+s÷ljQLo ;+:yf jf ljB't vl/b (Power

Purchase) sf] nflu g]kfn ljB't k|flws/0fnfO{ ljqmL ug{ ;lsg]5 .

-%_ sld;g afktsf] cfh{g /sdaf6 vf]n]sf] ljb]zL d'b|f vftfaf6 cfˆgf] k|of]hgsf]

nflu k|rlnt Joj:yf adf]lhd ul/g] cfoftsf] e'QmfgL, cd]l/sL 8n/ !%,))).–

-kGw| xhf/_ jf ;f] a/fa/;Dd ljb]zL ;+:yf;Fu lnPsf] ;]jfsf] e'QmfgL, cfˆgf

kbflwsf/L tyf sd{rf/Lx¿ ljb]z e|d0fdf hfFbf lgodfg';f/ pknJw u/fpg]

b}lgs tyf e|d0f nufotsf vr{sf] e'QmfgL ug{ ;lsg]5 .

-^_ ef/tdf sfo{/t g]kfnLx¿sf] cfh{gnfO{ ef/tLo ¿k}ofFdf g]kfn leq\ofpg]

sfo{df ;+nUg ljk|]if0f sf/f]jf/ ug]{ lgsfon] b]xfosf zt{x¿ cGt/ut /xL

ef/tLo ¿k}+ofFdf ;d]t vftf vf]Ng ;Sg]5g\ M

-c_ h'g a}+s tyf ljQLo ;+:yf dfk{mt /sd k|fKt ePsf] xf] ;f]xL a}+s tyf

ljQLo ;+:yfdf vftf vf]Ng' kg]{5 .

-cf_ ef/tLo ¿k}+ofFdf k|fKt x'g] /]ld6fG; / ;f] afktsf] sld;g /sd dfq hDdf

ug{ ;lsg]5

-O_ o:tf] vftfdf /x]sf] df}Hbft o; a}+s tyf o; a}+saf6 Ohfhtkqk|fKt

a}+s÷ ljQLo ;+:yfnfO{ ljqmL ug{ ;lsg]5 .

-O{_ o:tf] vftfdf hDdf ePsf] ef/tLo ?k}ofF hDdf ePsf] ldltn] & -;ft_

sfo{ lbg;Dd dfq vftfdf /fVg kfOg]5 . ;f] cjlw gf3]kl5 a}+s÷ljQLo

;+:yfn] clgjfo{ ¿kdf g]kfnL ¿k}+ofFdf /sdfGt/ ug'{ kg]{5 .

-p_ ef/tLo ¿k}+ofFsf] ljlgdo b/sf] yk36af6 o:tf] vftfdf x'g] nfexfgLsf]

ldnfg o; a}+saf6 lgwf{/0f u/] adf]lhd x'g]5 .

170

-v_ dlgr]Gh/ (Money Changer) sf/f]jf/ ug]{ kmd{÷sDkgL M

-!_ dlgr]Gh/÷kmd{÷sDkgL cfk}mn] vl/b u/]sf] kl/jTo{ ljb]zL d'b|f dfq To:tf]

kmd{÷sDkgLn] vf]n]sf] kl/jTo{ ljb]zL d'b|f vftfdf hDdf ug{ ;lsg]5 .

-@_ vftfdf /x]sf] ljb]zL d'b|f df}Hbft o; a}+s tyf o; a}+saf6 ljb]zL d'b|fsf]

sf/f]jf/ ug{ Ohfhtkqk|fKt g]kfnl:yt a}+s÷ljQLo ;+:yfnfO{ ljqmL ug{

;lsg]5 .

-#_ k|rlnt Joj:yf adf]lhd g]kfnL gful/snfO{ /fxbfgL ;'ljwf afktsf] ljb]zL d'b|f

ljqmL ug{ ;d]t Ohfhtkqk|fKt u/]sf dlgr]Gh/ kmd{÷sDkgLn] ;f] k|of]hgsf]

nflu tf]lsPsf] /sd cfk\mgf] vftfaf6 gubd} ljb]zL d'b|f lemSg rfx]df ljb]zL

d'b|f ljqmL u/]sf] ljj/0f -g]kfnL gful/ssf] gfd, /fxbfL gDa/ / ;6xL lnPsf]

kl/jTo{ ljb]zL d'b|fsf] lsl;d / /sd b]lvg] u/L_ kl5 k]z ug'{ kg]{ zt{df

;DalGwt a}+s÷ljQLo ;+:yfn] pknJw eP;Dd kl/jTo{ ljb]zL d'b|f gubdf

pknJw u/fpg ;Sg]5g\ . o;/L kl/jTo{ ljb]zL d'b|f pknJw u/fpFbf cl3Nnf]

k6s pknJw u/fPsf] ljb]zL d'b|f ljqmLsf] ljj/0f pknJw gu/fpg]

dlgr]Gh/nfO{ yk /sd pknJw u/fpg kfOg] 5}g .

-u_ 6«fen, 6«]lsË, sfuf]{, s'l/o/, xf]6n, Po/nfOG; tyf ;f]sf] lh=P;=P÷lk=P;=P / cGo

lgsfox¿ M

-!_ cfk\mgf] lk|lG;kn jf lh=P;=P÷lk=P;=P nfO{ l/Kofl6«Pzg ug'{ kg]{ u/L ljb]zL

d'b|fdf ljqmL u/]sf] ;]jf /sdaf6 a]Un} l/Kofl6«Pzg vftf vf]Ng' kg]{5 . o:tf]

vftfdf ;]jf ljqmL afkt kl/jTo{ ljb]zL d'b|fdf k|fKt x'g] sld;g /sd ;d]t

cfh{g k|dfl0ft x'g] sfuhftsf] cfwf/df hDdf ug{ ;lsg]5 .

-@_ ;]jf ljqmL afkt kl/jTo{ ljb]zL d'b|fdf k|fKt x'g] sld;g afktsf] /sd cfh{g

k|dfl0ft x'g] sfuhftsf] cfwf/df a]Un} kl/jTo{ ljb]zL d'b|f vftfdf ;d]t /fVg

;lsg]5 .

-#_ kl/jTo{ ljb]zL d'b|fdf l/Kofl6«Pzg ug'{ kg]{ /sd l/Kofl6«Pzg vftfaf6} vr{ ug'{

kg]{5 .

-$_ l/Kofl6«Pzg vftfaf6 l/Kofl6«Pzg u/L afFsL /x]sf] ljb]zL d'b|f ljBdfg Joj:yf

adf]lhd e|d0f vr{ pknJw u/fpg] k|rlnt Joj:yf adf]lhd cfk\mgf] pkof]usf]

nflu ul/g] cfoftsf] e'QmfgL ug]{ tyf cd]l/sL 8n/ !%,))).– -kGw| xhf/_ jf

;f] a/fa/;Ddsf] ;]jf lnP afkt ljb]zL ;+:yfnfO{ e'QmfgL ug{ k|of]hgsf] nflu

vr{ ug{ ;lsg]5 .

-3_ j}b]lzs /f]huf/df k7fpg] j}b]lzs /f]huf/ Joj;foL kmd{÷sDkgL÷;+:yf M

-!_ g]kfn j}b]lzs /f]huf/ ;+3sf] l;kmfl/;df j}b]lzs /f]huf/ Joj;foL kmd{÷

sDkgL÷;+:yfx¿n] o; a}+saf6 Ohfhtkqk|fKt æsÆ ju{sf jfl0fHo a}+sx¿df

kl/jTo{ ljb]zL d'b|fdf vftf vf]Ng ;Sg]5g\ .

-@_ j}b]lzs /f]huf/ Joj;foL kmd{÷sDkgL÷;+:yfx¿n] ljb]zl:yt Ph]G6x¿af6

ljb]zL d'b|fdf k|fKt ug]{ ;Dk"0f{ sld;g, z'Ns cflb a}+lsË k|0ffnL dfk{mt cfˆgf]

ljb]zL d'b|fsf] vftfdf hDdf ug{ ;Sg]5g\ .

-#_ j}b]lzs /f]huf/ Joj;foL kmd{÷sDkgL÷;+:yfx¿n] ljb]zdf e'QmfgL ug'{kg]{

sld;g, Ph]G;L z'Ns, l/;f]l;{Ë z'Ns cflb aLn e/kfO{÷OGEjfO{;sf] cfwf/df

;6xL u/L Ohfhtkqk|fKt æsÆ ju{sf jfl0fHo a}+sx¿ dfkm{t e'QmfgL k7fpg

;Sg]5g\ .

171

-$_ jflif{s !)) -Ps;o_ ;Dd sfdbf/ k7fpg] j}b]lzs /f]huf/ Joj;foL

kmd{÷sDkgL÷;+:yfx¿sf] Jofkf/ k|j4{g vr{, dgf]/Ghg vr{ afkt Joj;foLx¿

j}b]lzs e|d0fdf hfFbf lgj]bgsf] cfwf/df cfˆgf] ljb]zL d'b|f vftfaf6 a}+s tyf

ljQLo ;+:yfx¿n] jif{df Ps k6s jf k6s k6s u/L a9Ldf cd]l/sL 8n/

!%,))).– -kGw| xhf/_ ;Dd ;6xL ;'ljwf lbg ;lsg]5 . of] ;'ljwf jif{df !))

hgf eGbf a9L sfdbf/ k7fpg] j}b]lzs /f]huf/ sDkgLx¿sf] xsdf eg] jif{df

Ps k6s jf k6s k6s u/L a9Ldf cd]l/sL 8n/ @),)))÷– ;Ddsf] ;6xL

;'ljwf lbg ;lsg]5 .

-%_ Ohfhtkqk|fKt æsÆ ju{sf jfl0fHo a}+sx¿n] o;/L ;6xL lbPsf] ljj/0f q}dfl;s

?kdf qodf; ;dfKt ePsf] & lbgleq o; ljefunfO{ pknJw u/fpg' kg]{5

-!@_ k"FhLut k|s[ltsf] sf/f]jf/af6 k|fKt x'g] kl/jTo{ ljb]zL d'b|faf6 ljb]zL d'b|fdf vftf vf]Ng /

eO/x]sf] kl/jTo{ ljb]zL d'b|f vftfdf hDdf ug{' k"j{ o; a}+ssf] :jLs[lt lng'kg]{5 .

-!#_ o; kl/kqsf] ljleGg bkmfdf pNn]v eP cg';f/ kl/jTo{ ljb]zL d'b|fdf vr{÷e'QmfgL ug{

;lsg] ;Ldf / k|of]hg afx]s cGo k|of]hg jf tf]lsPsf] ;LdfeGbf a9L kl/jTo{ ljb]zL

d'b|fdf vr{÷e'QmfgL ug'{ k/]df clgjfo{ ¿kdf o; ljefusf] :jLs[lt lng' kg]{5 .

@= ljb]zdf ljb]zL d'b|fsf] vftf vf]Ng] / ;~rfng ug]{ ;DaGwL Joj:yf

Ohfhtkqk|fKt u/]sf a}+s tyf ljQLo ;+:yf nufot k|rlnt sfg"g adf]lhd :yflkt kmd{, sDkgL,

;+ul7t ;+3, ;+:yf, lgsfo / g]kfnL gful/sx¿nfO{ ljb]zl:yt a}+sdf vftf vf]Ng' k"j{ o; a}+saf6

b]xfo adf]lhd :jLs[lt lnO{ vftf vf]Ng ;lsg] Joj:yf ul/Psf] 5 .

-s_ a}+s tyf ljQLo ;+:yfn] vf]Ng ;Sg] Ph]G;L (Nostro) vftf ;DaGwL Joj:yf M

ljb]zL ljlgdosf] sf/f]jf/ ug{ Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx¿nfO{ b]xfosf zt{

tyf sfuhftsf] cfwf/df ljb]zL ljlgdo nufotsf a}+lsË sf/f]jf/ ug]{ k|of]hgsf nflu

ljb]z l:yt a}+sx¿df Ph]G;L vftf (Nostro Account) vf]Ng :jLs[lt k|bfg ug{ ;lsg]5 M

-!_ a}+s tyf ljQLo ;+:yfx¿n] cfjZostf cg';f/sf] kl/jTo{ ljb]zL d'b|fdf Ph]G;L

vftf (Nostro Account) vf]Ng ;Sg]5g\ . o:tf] vftf vf]Ng rfxg] a}+s tyf ljQLo

;+:yfn] vftf vf]Ng rfx]sf] ljb]zL d'b|f, ljb]zl:yt a}+s tyf ljQLo ;+:yfsf] gfd,

7]ufgf / q]ml86 /]l6Ë pNn]v u/L o; ljefudf lgj]bg k]z ug'{ kg]{5

-@_ vftf vf]Ng] :jLs[lt cg'¿k Ph]G;L vftf vf]n]sf] hfgsf/L o; ljefunfO{ clgjfo{

¿kdf u/fpg' kg]{5

-#_ o:tf] vftf cfjZos gePdf a}+s tyf ljQLo ;+:yf cfk}mn] aGb ug{ ;Sg]5g\ .

o;/L aGb ul/Psf] vftfsf] clGtd sf/f]jf/ b]lvg] :6]6d]06 tyf lx;fa ldnfg

(Reconciliation) ljj/0f ;d]t ;+nUg u/L aGb ul/Psf] hfgsf/L o; ljefunfO{

u/fpg' kg]{5

-$_ cfˆgf] Ph]G;L vftfdf df}Hbft /x]sf /sdnfO{ ljleGg d'b|fx¿df cfjZostf

cg'¿k d'b|fut ¿kdf x]/k]m/ ug{ ;lsg]5 . t/, kl/jTo{ ljb]zL d'b|f ljqmL u/L

ef/tLo ¿k}ofF vl/b ug{ kfOg] 5}g

-%_ ef/tLo ¿k}ofFsf Ph]G;L vftfdf cfjZostfeGbf a9L df}Hbft /fVg kfOg] 5}g /

To:tf] ef=?= df}Hbft rNtL vftfdf dfq /fVg kfOg]5

-^_ rNtL vftfaf6 ljb]zL d'b|f sf/f]jf/ ubf{ u|fxs / a}+s÷ljQLo ;+:yf aLr / cGt/

a}+s÷ljQLo ;+:yf aLr klg sf/f]jf/ ug{ ;lsg]5 .

172

-&_ Ph]G;L df}Hbftaf6 vr{ ubf{ k|rlnt Joj:yf cg';f/ ug'{ kg]{5 . sf/f]jf/ ubf{

nfUg] sld;g, kf]i6]h, tf/, l6s6, 6]n]S;, sn]S;g b:t'/ cflb nufot Ph]G;L

sf/f]jf/ u/] afkt nfUg] cGo e}k/L cfpg] b:t'/ tyf z'Ns afx]ssf cGo e'QmfgL

o:tf] vftfaf6 ug'{ k/]df o; a}+ssf] k"j{ :jLs[lt lng' kg]{5 .

-*_ ljb]zl:yt cfˆgf] Ph]G;L vftfdf hDdf eO{;s]sf] t/ ;DalGwt nfeu|fxL

(Beneficiary) sf] vftfdf hDdf eOg;s]sf] jf e'QmfgL eOg;s]sf] ljb]zL d'b|f

/sdx¿ lkmtf{ (Refund) sf] nflu ;DalGwt a}+saf6 cflwsfl/s cg'/f]w ePdf

Ph]G;L vftfdf hDdf ePsf] @! lbgleq ;Dd dfq lkmtf{ ug{ ;lsg]5 . o;/L

lkmtf{ ul/Psf] ljb]zL d'b|fsf] k]mxl/:t dfl;s ¿kdf dlxgf Joltt ePsf] !%

lbgleq o; ljefudf k7fpg' kg]{5 . t/ o:tf] /sd cj}wflgs tyf ck/flws

k|s[ltsf] ePdf lkmtf{ k7fpg ldNg] 5}g .

-(_ Ph]G;L sf/f]jf/sf] qmddf x'g] ;fdfGo cj:yfsf] cf]e/8«g (Overdrawn) afx]s o;

a}+ssf] :jLs[lt a]u/ ljb]zl:yt Ph]G;L a}+sx¿af6 s'g} lsl;dsf] C0f ;'ljwf tyf

clwljsif{ (Overdraft) lng kfOg] 5}g .

-!)_ a}+s÷ljQLo ;+:yfx¿n] cfk\mgf] k|To]s Ph]G;L vftfsf] lx;fj ldnfg ljj/0f

(Reconciliation Statement) cw{jflif{s tyf jflif{s lx;fj ldnfg (Closing)

;lsPsf] ! dlxgf leq o; ljefudf k7fpg' kg]{5 .

-!!_ a}+s tyf ljQLo ;+:yfx¿n] ljb]zl:yt a}+s tyf ljQLo ;+:yfdf vftf vf]ln @)&$

cfiff9 d;fGt;Dd ;~rfngdf /x]sf Ph]G;L vftfx¿sf] ljb]zL d'b|f, Ph]G;Lsf]

gfd, 7]ufgf / qm]l86 /]l6ª ;d]t b]lvg] ljj/0f / tL vftfx¿sf] gljgtd lx;fj

ldnfg ljj/0f o; ljefudf k]z ug{'kg]{5 .

-v_ kmd{, sDkgL / ;+ul7t ;+3 ;+:yfn] vf]Ng ;Sg] vftf ;DaGwL Joj:yf M

g]kfndf btf{ ePsf lgDg adf]lhdsf sDkgL, ;+ul7t ;+:yf jf kmd{nfO{ b]xfosf zt{ /

sfuhftsf cfwf/df ljb]zdf vftf vf]Ng :jLs[lt k|bfg ug{ ;lsg]5 M

-!_ ljb]zL d'b|fdf /]ld6\ofG; leq\ofpg] sfo{sf] nflu o; a}+saf6 Ohfhtkqk|fKt kmd{,

sDkgL / ;+ul7t ;+3 ;+:yf M o:tf lgsfon] vftf vf]Ng :jLs[lt dfu ubf{ vftf

vf]Ng rfx]sf] a}+ssf] q]ml86 /]l6Ë ;d]t pNn]v ug'{ kg]{5 . o:tf] vftf vf]Ng

:jLs[lt k|bfg ubf{ ljb]zL d'b|f hDdf ug]{ / ;f] /sd g]kfnl:yt a}+s tyf ljQLo

;+:yfdf /sdfGt/ ug]{ k|of]hgsf] nflu dfq :jLs[lt lbg ;lsg]5 .

-@_ ljb]zdf zfvf÷;Dks{ sfof{no vf]Ng ljlwjt :jLs[lt kfPsf jf cfk\mgf]

;]jf÷pTkfbg ljb]zdf ljqmL ug]{ p2]Zon] :yfkgf ePsf lgsfo M o:tf lgsfon]

cfk\mgf] ljb]zl:yt sfof{nosf] sfo{ ;~rfngsf] nflu k|rlnt Joj:yf adf]lhd

vr{ ug{ ;Sg] ;Ldf;Ddsf] /sd vr{ u/L afFsL /x]sf] ljb]zL d'b|f k|To]s #÷#

dlxgfdf a}lsË k|0ffnL dfk{mt\ g]kfn leq\ofO{ ;f]sf] a}+s :6]6d]06 ;lxt o;

ljefunfO{ hfgsf/L u/fpg' kg]{5 .

-#_ cfk\mgf] ;]jf÷pTkfbg ljqmL ug]{ p2]Zon] ljb]zdf cfof]hgf x'g] k|bz{gLdf ;xefuL

x'g o:tf] vftf vf]Ng :jLs[lt kfPsf pBf]u÷Joj;fo M o:tf lgsfon] cfk\mgf]

;]jf÷pTkfbg ljqmL u/L k|fKt ePsf] ljb]zL d'b|f pQm vftfdf hDdf u/L k|bz{gL

cjlwdf ePsf] vr{ s6fO{ afFsL x'g] /sd g]kfn kmls{Psf] #) lbgleq a}lsË

k|0ffnL dfk{mt g]kfn leq\ofO{ a}+s :6]6d]06 ;lxtsf] kmfF6jf/L o; ljefudf k]z ug'{

kg]{5 .

173

-$_ dfly v08 -!_ b]lv -#_ ;Dd pNn]v ul/Psf k|of]hgsf] nflu vftf vf]Ng rfxg]

sDkgL, ;+ul7t ;+:yf jf kmd{n] cfk\mgf] btf{÷sf/f]jf/ cg'dlt, cfos/ btf{sf]

k|df0fkq, k|aGwkq tyf lgodfjnL, s/ r'Qmf nufotsf sfuhftsf] k|dfl0ft

k|ltlnlk / ljb]zdf vftf vf]Ng] ;DaGwdf ;~rfns ;ldlt jf clVtof/ k|fKt

clwsf/Laf6 ePsf] lg0f{osf] k|ltlnlk ;+nUg u/L vftf vf]Ng rfx]sf] a}+ssf] gfd /

k"/f 7]ufgf pNn]v u/L vftf vf]Ng' kg]{ cfjZostf / k|of]hg;d]t v'nfO{ lgj]bg

k]z ug'{ kg]{5 .

-%_ Ph]G;L vftfsf] lx;fa ldnfg ljj/0f (Reconciliation Statement) cw{jflif{s

¿kdf cw{jflif{s Joltt ePsf] #% lbgleq a}+s :6]6d]06 ;lxt o; ljefudf k]z

ug'{ kg]{5 .

-^_ o:tf] vftfdf /x]sf] /sd sfof{no ;~rfngsf] nflu cfjZos kg]{ afx]s cGo

k|of]hgsf] nflu vr{ ug'{ k/]df sf/0f / k|of]hg k'li6 x'g] sfuhft ;lxt o;

ljefusf] k"j{ l:js[lt lng' kg]{5 .

-&_ /]ld6fG; sDkgLsf] xsdf k|rlnt Joj:yf adf]lhd x'g] u/L / cGo kmd{ sDkgL

tyf ;+ul7t ;+:yfsf] xsdf g]kfndf /sdfGt/ ePsf] /sd g]kfnl:yt a}+s tyf

ljQLo ;+:yfdf ljb]zL d'b|fd} vftf vf]nL /fVg ;d]t ;lsg]5 .

u_ g]kfnL gful/sn] vf]Ng ;Sg] vftf ;DaGwL Joj:yf M

g]kfnL gful/sx¿n] b]xfosf] cj:yfdf dfq ljb]zl:yt a}+sdf vftf vf]Ng ;Sg]5g\ M–

-!_ ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( df ePsf] Joj:yf adf]lhd ljb]zl:yt

a}+sdf g]kfnL gful/sn] ljb]zdf /xFbfa:bfsf] cjlw;Dd cfh{g u/]sf] ljb]zL

ljlgdo jf ;f] ljb]zL ljlgdoaf6 u/]sf] nufgL g]kfndf kmls{;s]kl5 #% lbgleq

:jb]z kmsf{pg] u/L vftf vf]Ng÷;~rfng ug{ ;Sg]5g\ .

-@_ g]kfn kms]{kl5 o:tf] vftf jf nufgL sfod} /fVg rfx]df ;f] vftf jf nufgL /x]sf]

a}+ssf] gfd, 7]ufgf, vftf gDj/, ljb]zL d'b|f tyf /sd v'nfO{ ;f]sf] hfgsf/L o;

ljefunfO{ #% lbgleq lbg' kg]{5 .

-#_ dfly v08 -!_ / -@_ df plNnlvt cj:yfdf afx]s g]kfndf a;f]af; ul//x]sf

g]kfnL gful/sx¿sf] gfddf o; a}+ssf] :jLs[ltdf afx]s ljb]zdf vftf vf]Ng /

;~rfng ug{ kfOg] 5}g .

-$_ ljb]zdf vftfdf /x]sf] ljb]zL d'b|f jf nufgL /sd o; a}+sn] cfjZostf k/]sf]

h'g;'s} avt k|rlnt ljlgdob/df bflvnf ug{ jf u/fpg nufPdf t'?Gt bflvnf

ug'{ u/fpg' kg]{5 .

-%_ cf}krfl/s Pjd\ cgf}krfl/s ¿kdf ljljw lsl;dsf cNksfnLg, bL3{sfnLg e|d0f

÷cjnf]sg÷cWoog÷cWofkg nufotsf sfdsf nflu ljb]z hfg] g]kfnL

gful/sx¿n] cfk"m ljb]zdf /x]sf] jvt ljb]zdf /xg] cjlw;Ddsf] nflu

ljb]zl:yt a}+sdf vftf vf]Ng ;Sg]5g\ . t/, o:tf] vftfdf /x]sf] ljb]zL d'b|f /sd

ljb]zdf cfh{g gu/L ;6xL ;'ljwfaf6 k|fKt ePsf] cj:yfdf cfk\mgf] sfd ;lsO{

g]kfn kmls{Psf] #) lbg leq a}lsË k|0ffnL dfk{mt g]kfn leq\ofpg' kg]{5 . o;/L

leq\ofPsf] /sd g]kfnleqsf Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfdf ljb]zL

d'b|fd} vftf vf]nL /fVg ;d]t ;lsg]5 .

174

-3_ u}x| a}+lsË lgsfox¿df vftf vf]Ng] ;DaGwdf .

k|rlnt Joj:yfx¿ cGtu{t /xL E-Commerce tyf E-Payment sf] e'QmfgL k|of]hgsf

nflu Ohfhtk|fKt a}+s÷ljQLo ;+:yfx¿n] ljb]zl:yt u}x| a}+lsË lgsfox¿df vftf vf]Ng

rfx]df To:tf] vftf o; a}+ssf] cg'dlt lnO{ vf]Ng ;lsg] 5 .

#= o; a}+saf6 Ohfhtkqk|fKt æsÆ ju{sf a}+sx¿ / ljb]zL d'b|fdf lgIf]k ;+sng ug{ clwsf/k|fKt

ævÆ ju{sf ljQLo ;+:yfx¿n] b]xfosf zt{x¿ cg'?k x'g] u/L kl/jTo{ ljb]zL d'b|fdf d'2tL lgIf]k

;+sng ug{ / kl/rfng ug{ ;Sg]5g\ .

zt{x¿ M

!= ljb]zL d'b|f d'2tL lgIf]k sDtLdf @ aif{ cjwLsf] x'g'kg]{5 .

@= o; k|sf/sf] vftfdf ljb]zL ;+:yfx¿ -ljQLo ;+:yfx¿ ;d]t_ tyf u}/ cfjf;Lo g]kfnLx¿

;xefuL x'g ;Sg]5g\ .

#= b'O{ jf b'O{ eGbf a9L ljb]zL ;+:yfx¿ jf u}/ cfjf;Lo g]kfnLx¿sf] gfddf ;+o'Qm ?kdf

;d]t o; k|sf/sf] vftf vf]Ng ;lsg]5 .

$= u}/ cfjf;Lo g]kfnLsf] gfddf vftf vf]Nbf g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 hf/L

ePsf] u}/ cfjf;Lo g]kfnLsf] kl/rokqsf] k|ltlnlk ;d]t lng'kg]{5 . vftf ;~rfngsf]

nflu ;f] kl/rokq gjLs/0f ePsf] x'g'kg]{5 .

%= ;+:yfut ljb]zL lgIf]kstf{sf] xsdf o; k|sf/sf] vftf vf]Nbf ;+:yfsf] ;+rfns ;ldltn]

vftf vf]Ng] ;DaGwdf u/]sf] lg0f{o ;d]t ;+nUg ug'{kg]{5 .

^= o; k|sf/sf] vftf cd]l/sL 8n/, o"/f], kfp08 :6ln{ª, ci6«]lnog 8n/ jf Sofg]l8og 8n/

df vf]Ng ;lsg]5 .

&= ljb]zL d'b|fdf ;+sng ug]{ d'2tL lgIf]ksf] /sd a+}s tyf ljQLo ;+:yfn] ljb]zL d'b|fdf

lnPsf] C0fsf] /sd ;d]t u/L cfkm\gf] k|fylds k'FhLsf] zt\k|ltzt;Dd dfq ;+sng ug{

;Sg]5g\ .

*= d'2tL lgIf]k vftfsf] Jofh k|bfg ug]{ k|of]hgsf] nflu dfq ;DalGwt d'2tL lgIf]kstf{sf]

gfddf ;f]xL d'b|fdf jrt vftf ;d]t vf]Ng ;lsg]5 .

(= ;fFjf tyf Jofhsf] /sd lgIf]kstf{n] lgIf]k hDdf u/]s} d'b|fdf h'g b]zaf6 lgIf]ksf] /sd

k|fKt ePsf] xf] ;f]xL b]zdf lgIf]kstf{sf] gfddf vf]lnPsf] vftfdf dfq lkmtf{ e'QmfgL

k7fpg' kg]{5 . t/ ljb]zL d'b|f vftf vr{ u/L g]kfnL ?k}oFfdf e'QmfgL jf /sdfGt/ ug{

afwf kg]{ 5}g .

!)= d'2tL lgIf]kdf kfs]sf] Jofh a}+s tyf ljQLo ;+:yfsf] lgodfg';f/ tyf ;fFjf /sd e'QmfgL

cjlw ;dfKt ePkl5 dfq lkmtf{ e'QmfgL ug'{kg]{5 . t/ b'O{ jif{ eGbf a9L cjlwsf] d'2tL

lgIf]k b'O{ jif{ cjlw Joltt eP kl5 lgIf]kstf{n] Premature u/L lkmtf{ n}hfg ;Sg]5g\ .

!!= d'2tL lgIf]k vftfdf a}+lsË k|0ffnLaf6 dfq /sd k|fKt ug{ ;lsg]5 .

!@= ;+:yfut ljb]zL lgIf]kstf{ tyf u}/ cfjf;Lo g]kfnLx¿af6 Go"gtd cd]l/sL 8n/

!),))).– jf ;f] j/fj/sf] a'Fbf g++= ^ df pNn]lvt cGo d'b|fsf] lgIf]k ;+sng ug{ ;lsg]5 .

!#= o;/L ;+slnt ljb]zL d'b|f d'2tL lgIf]ksf] g]kfnL ?k}ofFdf x'g] /sdsf] zt\k|ltzt /sd;Dd

:jb]zL d'b|fdf shf{ nufgL ug{ ;lsg]5 .

!$= a}+s tyf ljQLo ;+:yfn] d'2tL lgIf]k /sd k|fKt ePsf] tyf lgIf]ksf] ;fFjf tyf Jofh

lkmtf{ e'QmfgL u/]sf] ljj/0f dfl;s ?kdf dlxgf ;dfKt ePsf] !% lbgleq o; a}+sdf k]z

ug{'kg]{5 .

!%= vftf vf]Nbf tyf ;~rfng ubf{ cfkm\gf] u|fxssf] :ki6 klxrfg -Know Your

Customer_ sfod x'g] u/L ;DkQL z'4Ls/0f -dlg nfp08l/Ë_ lgjf/0f P]g, @)^$, ljb]zL

ljlgdo -lgoldt ug]{_ P]g, @)!( nufotsf k|rlnt P]g, lgod tyf ;f] cGtu{t hf/L

ePsf lgb]{zg, kl/kq cflbdf ePsf Joj:yfx¿ kfngf ug'{ kg]{5 .

!^= d'2tL lgIf]k vftf ;+rfng ;DaGwL cGo s'/fx¿ tf]lsP adf]lhd x'g]5 .

175

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M!(÷@)&^

jf0fLHo a}+sx¿n] k|jfx ug{ ;Sg] kl/jTo{ ljb]zL d'b|fsf] C0f ;DaGwL Joj:yf

b]xfo adf]lhdsf pBf]ux¿nfO{ b]xfosf zt{x¿sf] cwLgdf /xL :jb]zsf jfl0fHo a}+sx¿af6 kl/jTo{ ljb]zL

d'b|fdf C0f k|bfg ug{ ;lsg] Joj:yf /x]sf]n] ;f]xL adf]lhd ug'{÷u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{

P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] g]kfn /fi6« a}+s a}+lsË sfof{no

nufot cGo sfof{nox¿ / Ohfhtkqk|fKt æsÆ ju{sf a}+s tyf /fli6«o :t/sf ævÆ ju{sf ljsf;

a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

!= cf}Bf]lus pTkfbgstf{ kmd{÷sDkgLx¿nfO{ sRrf kbfy{ cfoft ug{] cNksfnLg C0f M

-s_ lgof{t If]qdf nfu]sf cf}Bf]lus pTkfbgstf{ kmd{÷sDkgLx¿nfO{ sRrf kbfy{ cfoft ug{ lgDg

zt{x¿sf] clwgdf /xL kl/jTo{ ljb]zL d'b|fdf cNksfnLg C0f k|bfg ug{ ;lsg]5 M

-!_ o:tf] C0f k|bfg ubf{ ;DalGwt lgof{t pBf]unfO{ cfjZos x'g] sRrf kbfy{sf]

cfoftsf nflu vf]lnPsf] k|tLtkqsf] cfwf/df dfq k|bfg ug'{kg]{ 5

-@_ o:tf] C0f k|bfg ubf{ lgof{t eO{ e'QmfgL cfpg afFsL /x]sf] lgof{t k|tLtkqn] vfDg]

/sd;Dd dfq k|bfg ug'{kg]{ 5 .

-#_ o;/L k|fKt C0fsf] ;fFjf, Jofh ;DalGwt pBf]un] cfˆgf] lgof{t cfh{gaf6 k|fKt x'g]

kl/jTo{ ljb]zL d'b|faf6} e'Qmfg ug'{kg]{ 5 .

-$_ o:tf] C0fdf nfUg] Jofh b/ ;DalGwt a}+s :jod\n] tf]Sg ;Sg] 5 .

-@_ kl/jTo{ ljb]zL d'b|f cfh{g ug]{ ko{6g, lgof{t pBf]u / xl:k6nx¿nfO{ kl/jTo{ ljb]zL d'b|fdf lgDg

zt{sf] clwgdf /xL C0f k|bfg ug{ ;lsg]5 M

-s_ of] ;'ljwf ;DalGwt ko{6g / lgof{t pBf]u / xl:k6nx¿sf] nflu cfjZos x'g] cfoftsf]

e'QmfgLsf] nflu dfq k|of]u ug{ kfOg] 5 .

-v_ o:tf] C0f /sdsf] ;fFjf÷Jofh ;DalGwt ko{6g / lgof{t pBf]u / xl:k6nn] cfkm\gf] vftfdf

/x]sf] kl/jTo{ ljb]zL d'b|f dWo]af6 e'QmfgL ug'{kg]{ 5 .

-u_ o; k|of]hgsf] nflu a}+sx¿n] ljb]zL a}+saf6 ljBdfg Joj:yf adf]lhd C0f lnPsf] /sdaf6

;d]t C0f ;'ljwf lbg kfpg] 5g\ . ;fy}, ljb]zL d'b|f cfjZos k/]sf] v08df o; a}+sn]

k|rlnt ljlgdo b/df cfjZos ljb]zL d'b|f ljqmL ug]{5 .

-#_ un}+rf pBf]usf] nflu pg cfoft ug{ kl/jTo{ ljb]zL d'b|fdf C0f k|bfg ug]{ ;DaGwL Joj:yf M

un}+rf pBf]un] vkt ug]{ pmg dfq cfoft ug]{ p2]Zon] vf]lnPsf sDkgLx¿n] æJofkf/ tyf lgof{t

k|j4{g s]Gb|Æ sf] l;kmf/L;df k|tLtkqdfkm{t sRrf pmg cfoft ubf{ b]xfodf plNnlvt zt{x¿sf]

cwLgdf /xL kl/jTo{ ljb]zL d'b|fdf C0f k|bfg ug{ ;lsg]5 M

-s_ of] ;'ljwf clwstd ^ dlxgfsf] nflu dfq x'g]5 .

-v_ C0fsf] Jofhb/ ;DalGwt a}+s :jod\n] lgwf{/0f ug'{kg]{5 .

176

-u_ of] ;'ljwf cGtu{t lnPsf C0fsf] lx;fj lstfj ljb]zL d'b|fdf g} /fVg'kg]{5 .

-3_ C0fsf] ;fFjf÷Jofh r'Qmf ubf{ k|rlnt ljlgdo b/ cg';f/ g]kfnL ¿k}ofFdf e'QmfgL ug'{kg]{5 .

-$_ kl/jTo{ ljb]zL d'b|fdf k|bfg ug{ ;lsg] cNksfnLg shf{÷cf]e/8«fˆ6 ;'ljwf ;DaGwL Joj:yf M

6«fen, 6'/, l6s]l6Ë, Po/nfOG; / sfuf]{ nufotsf Ph]G;Lx¿nfO{ b]xfosf zt{x¿sf] clwgdf /xL

kl/jTo{ ljb]zL d'b|fdf cNksfnLg C0f / cf]e/8«fkm\6 k|bfg ug{ ;lsg]5 M

-s_ o:tf] C0f÷cf]e/8«fkm\6 ;'ljwf ;+:yfut u|fxsx¿nfO{ ljb]zL d'b|fdf pwf/f] l6s6÷sfuf]{ ljqmL

ug]{ 6«fen, 6'/ l6s]l6Ë, Po/nfOG; / sfuf]{ nufotsf Ph]G;Lx¿nfO{ ljb]zL jfo';]jf sDkgL

jf ;f]sf] lh=P;=P÷lk=P;=P jf cGo ;+oGq dfk{mt l6s6÷sfuf]{ ljqmLsf] Repatriation ug]{ k|of]hgsf nflu dfq pknJw u/fpg ;lsg]5 . k|of]hg cg'?k C0f ;'ljwf pkof]u eP

gePsf] Joxf]/f ;DalGwt a}+sn] g} osLg ug'{ kg]{5 .

-v_ o:tf] C0f ;'ljwf a9Ldf # -tLg_ dlxgf cjlw;Ddsf] nflu dfq k|bfg ug{ ;lsg]5 .

-u_ pwf/f] ljqmL eO{ c;'n x'g afFsL kl/jTo{ ljb]zL d'b|fsf] ;Ldfleq /xL shf{ k|bfg ug'{ kg]{5 .

-3_ shf{df lng] Jofh b/ a}+s cfk}mn] tf]Sg ;Sg]5 .

-ª_ ;fFjf Jofhsf] e'QmfgL ;DalGwt 6«fen, 6'/ l6s]l6Ë Ph]G;Ln] cfkmgf] ljqmL÷cfh{g ePsf]

kl/jTo{ ljb]zL d'b|faf6} ug'{ kg]{5 .

-r_ o; k|of]hgsf] nflu a}+sx¿n] ljb]zL a}+s tyf ljQLo ;+:yfaf6 s'g} lsl;dsf] C0f÷;'ljwf

lng kfOg] 5}g .

-5_ o:tf] shf{sf] cfwf/df o; a}+saf6 k'g/shf{ ;'ljwf pknJw gx'g] / ljb]zL ljlgdo nufotsf]

s'g} klg cfly{s bfloTj o; a}+sdf /xg] 5}g .

-h_ shf{ k|bfg u/]sf] / c;"n x'g afFsL /x]sf] ;fFjf Jofhsf] u|fxs cg';f/sf] dfl;s ljj/0f

dlxgf ;dfKt ePsf] !% lbgleq o; ljefudf k7fpg' kg]{5 .

-%_ gjLs/0fLo phf{ -hnljB't, ;f}o{ / jfo' phf{_ pTkfbg tyf k|;f/0f;Fu ;DalGwt

cfof]hgf÷kl/of]hgfsf nflu kl/jTo{ ljb]zL d'b|fdf C0f k|bfg ug]{ ;DaGwL Joj:yf M

-s_ !)) lsnf]jf6 b]lv !))) lsnf]jf6;Dd ljB't zlQm pTkfbg u/L ljqmL ljt/0f ug]{ lghL

If]qsf pBf]u tyf cfˆg} k|of]hgsf nflu ljB't pTkfbg u/L vkt ug]{ pBf]ux¿nfO{ lgDg

zt{x¿sf] cwLgdf /xL kl/jTo{ ljb]zL d'b|fdf cNk jf dWodsfnLg C0f k|bfg ug{ ;lsg]5 M

-!_ ;fgf] :s]ndf gjLs/0fLo phf{ -hnljB't, ;f}o{ / jfo' phf{_ pTkfbg u/L ljqmL ljt/0f

ug{ jf s'g} pBf]un] cfˆg} k|of]hgsf nflu gjLs/0fLo phf{ -hnljB't, ;f}o{ / jfo'

phf{_ pTkfbg ug{sf lgldQ kl/jTo{ ljb]zL d'b|fdf nufgL ug'{kg]{ ePdf dfq o:tf]

C0f k|bfg ug{ ;lsg]5 .

-@_ o;/L k|bfg ul/g] C0f gjLs/0fLo phf{ -hnljB't, ;f}o{ / jfo' phf{_ pTkfbg ;DaGwL

pks/0fx¿sf] cfoft e'QmfgL ug]{ k|of]hgsf nflu dfq pkof]u ug'{kg]{5 .

-#_ o:tf] C0f ;'ljwf pknJw u/fpFbf gjLs/0fLo phf{ -hnljB't, ;f}o{ / jfo' phf{_

pTkfbgsf pks/0fx¿ cfoft ug{ vf]lnPsf k|tLtkqsf] cfwf/df dfq ug'{kg]{5 .

-$_ o:tf] C0fdf nfUg] Jofh b/ ;DalGwt a}+sn] :jod\ tf]Sg ;Sg]5 .

-%_ cfˆgf] pBf]usf] cfjZostf afx]s gjLs/0fLo phf{ -hnljB't, ;f}o{ / jfo' phf{_

pTkfbg u/L ljqmL ljt/0f ug]{ ;fgf :s]nsf pBf]ux¿sf] xsdf eg] o; k|sf/sf] C0f

;'ljwf k|bfg ubf{ o; a}+ssf] k"j{ :jLs[lt lng'kg]{5 .

-v_ gjLs/0fLo phf{ -hnljB't, ;f}o{ / jfo' phf{_ pTkfbg tyf k|;f/0f;Fu ;DalGwt

cfof]hgf÷kl/of]hgf Pjd\ gjLs/0fLo phf{ -hnljB't, ;f}o{ / jfo' phf{_ pTkfbg u/L vkt

177

ug]{ / cfk"mnfO{ a9L ePsf] pmhf{ ljqmL ljt/0f ug]{ kmd{÷sDkgL÷pBf]u÷Joj;fox¿nfO{

b]xfosf zt{x¿sf] cwLgdf /xL o:tf] C0f kl/jTo{ ljb]zL d'b|fdf cfjZostf cg'?k

cNksfnLg÷ dWosfnLg÷bL3{sfnLg C0f k|bfg ug{ ;lsg]5 M

-!_ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 ljB't pTkfbgsf] nflu cg'dlt k|fKt u/L ljB't

vl/b ;Demf}tf (Power Purchase Agreement) u/]sf jf cfk}m ljqmL ljt/0f ug{

:jLs[lt k|fKt u/]sf cfof]hgf÷kl/of]hgf÷kmd{÷sDkgL÷pBf]u÷Joj;fox¿nfO{ dfq

o:tf] C0f k|bfg ug{ ;lsg]5 .

-@_ gjLs/0fLo phf{ -hnljB't, ;f}o{ / jfo' phf{_ k|;f/0f tyf ljt/0f ug]{

cfof]hgf÷kl/of]hgfsf] xsdf g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 ljB't k|;f/0f tyf

lat/0fsf] nflu cg'dlt k|fKt u/]sf] x'g'kg]{ 5 .

-#_ gjLs/0fLo phf{ -hnljB't, ;f}o{ / jfo' phf{_ pTkfbg tyf k|;f/0fsf] nflu cfjZos

kg]{ d]lzg/L, pks/0f / ;/–;fdfg cfoft ug{ Pjd\ ljb]zL kIf;Fu k/fdz{, ;]jf,

k|fljlws ;]jf jf cGo ;]jf lnP afkt e'QmfgL ug'{ kg]{ ljb]zL d'b|fsf] nflu dfq C0f

k|bfg ug'{ kg]{5 .

-$_ k|rlnt dfWodaf6 x'g] cfoftsf] e'QmfgL / ljb]zL kIf;Fu k/fdz{ ;]jf, k|fljlws ;]jf

jf cGo ;]jf lng] k|of]hgsf] nflu b'O{ kIf aLr ePsf] ;+emf}tf jf cGo cflwsfl/s

lnvtsf] cfwf/df ;]jf jf j:t' k|fKt x'g] ;'lglZrttf k|dfl0ft x'g] sfuhftx¿ lnP/

dfq C0f k|bfg ug'{ kg]{5 .

-%_ gjLs/0fLo phf{ -hnljB't, ;f}o{ / jfo' phf{_ pTkfbg tyf k|;f/0f

cfof]hgf÷kl/of]hgfsf] s'n nfutdWo] g]kfnL ?k}+ofdf e'QmfgL ug'{ kg]{ /sdsf] nflu

ljb]zL d'b|fdf C0f k|jfx ug{ kfOg] 5}g .

-^_ ;DalGwt kmd{÷sDkgL÷pBf]usf] gjLs/0fLo phf{ -hnljB't, ;f}o{ / jfo' phf{_

pTkfbg tyf k|;f/0f ug]{ cfof]hgf÷kl/of]hgfsf] nflu cg'dlt k|bfg ug]{ lgsfoaf6

:jLs[lt ePsf] cfof]hgf÷kl/of]hgf jf p|Tkfbgsf] cg'dflgt s'n nfut, n]vfk/LIf0f

ePsf] kl5Nnf] jf;nft tyf cGo ljQLo ljj/0f, Joj;flos pTkfbg z'? x'g]

cjlw;Ddsf] k|If]lkt (Projected) ljQLo ljj/0f / Joj;flos pTkfbg z'? ePkl5

jflif{s cfh{g x'g] ;Sg] s'n cfDbfgLsf] ljj/0fsf] cfwf/df gub k|jfxsf] kof{Kt

laZn]if0f u/L pko'Qm cg'kftdf dfq C0f k|bfg ug'{ kg]{5 .

-&_ gjLs/0fLo phf{ -hnljB't, ;f}o{ / jfo' phf{_ pTkfbg / k|;f/0f kl/of]hgfx¿sf] nflu

kl/jTo{ ljb]zL d'b|fdf C0f k|jfx ubf{ gjLs/0fLo phf{ -hnljB't, ;f}o{ / jfo' phf{_

kl/of]hgfsf] nflu cfjZos kg]{ oGq, pks/0f, sRrf kbfy{ cfoft ug{ afx]s cGo

k/fdz{ ;]jf, k|fljlws ;]jf / cGo ;]jfsf] e'QmfgLsf] nflu cfjZos kg]{ ljb]zL d'b|fsf]

:jLs[t C0f, k|jfx ug'{ k"j{ cfjZos sfuhftx¿ k]z u/L o; a}+ssf] :jLs[lt lng'

kg]{5 .

-*_ æsÆ ju{ / /fli6«o :t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿n] ;x ljQLos/0f

(Consortium) ;Demf}tf u/]/ klg o:tf] C0f k|bfg ug{ ;Sg]5 .

-(_ ;xljQLos/0f ;Demf}tfsf cfwf/df k|bfg ul/g] C0fsf] ;f+jf Jofh c;'nL, C0f;Fu

;DalGwt cfof]hgf÷kl/of]hgf÷kmd{÷sDkgL÷pBf]usf] cg'udg tyf lg/LIf0f / C0f

;DaGwL ;Dk"0f{ k|zf;lgs nufot sfg"gL sfd sf/jfxLx¿ ug]{÷u/fpg] bfloTj tyf

lhDd]jf/L cu'jf a}+s (Lead Bank) n] lng' kg]{5 .

-!)_ C0fsf] ;fFjf Jofh e'QmfgLsf] nflu cfjZos kg]{ ljb]zL d'b|fsf] ;|f ]t cfk}m;Fu gePsf]

cj:yfdf ;DalGwt cfof]hgf÷kl/of]hgf÷kmd{÷sDkgL÷pBf]ux¿n] æsÆ ju{ / /fli6«o

178

:t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yf Pjd\ o; a}+saf6 Ohfhtkqk|fKt u/]sf

ljk|]if0f (Remittance) kmd{÷sDkgL;Fu k|rlnt ljlgdo b/df ljb]zL d'b|f vl/b ug{

;Sg]5g\ . o;/L vl/b ul/g] ljb]zL d'b|f C0fsf] ;fFjf Jofh e'QmfgL afx]s cGo

k|of]hgdf pkof]u ug{÷u/fpg kfOg] 5}g .

-!!_ ljb]zL d'b|fsf] ljlgdo b/df x'g] ptf/ r9fjsf] sf/0f x'g ;Sg] hf]lvd Joj:yfkgsf]

nflu C0f k|bfos a}+s÷ljQLo ;+:yfn] C0fLnfO{ pko'Qm Joj:yfx¿ cjnDjg ug{

nufpg' kg]{5 / o:tf] Joj:yf ;DalGwt C0fLn] clgjfo{ ?kdf kfngf ug'{ kg]{5 .

-!@_ o:tf] C0fsf] Jofhb/ a}+s÷ljQLo ;+:yfx¿ cfk}mn] to ug{ ;Sg]5g\ .

-u_ a}+s tyf ljQLo ;+:yfdf o:tf] ljb]zL d'b|fdf C0f k|fKt ug{ laleGg kl/of]hgfx¿af6 k/]sf]

lgj]bgsf] ljj/0f -kl/of]hgfsf] gfd, ;+rfns, /sd, :yfg cflb ;+If]kdf pNn]v u/L_ x/]s

q}dfl;s cjlw Joltt ePsf] !% lbgleq o; a}+sdf k]z ug'{ kg]{5 .

-3_ ljb]zL d'b|fsf] C0f :jLs[t ePkl5 ;+nUg cg';"lr !(=! adf]lhdsf] 9fFrfdf ;f]sf] ljj/0f

tTsfn o; ljefunfO{ k7fpg' kg]{5 .

-ª_ C0fsf] ;f+jf Jofh e'QmfgL ug{ afFsL /x]sf] ljj/0f ;+nUg cg';'rL !(=@ adf]lhdsf] 9fFrfdf

k|To]s cw{jflif{s tyf jflif{s lx;fj ldnfg ;lsPsf] !% -kGw_ lbg leq C0f k|jfx ug]{ a}+s

tyf ljQLo ;+:yfn] o; ljefudf k7fpg' kg]{5 .

-r_ ;xljQLos/0fsf] cfwf/df :jLs[t tyf k|bfg ePsf] C0fsf] xsdf To:tf] ljj/0f o; a}+sdf

k7fpg'kg]{ bfloTj cu'jf (Lead) a}+ssf] x'g]5 .

-^_ lgof{tstf{x¿nfO{ ljb]zL d'b|fdf C0f pknJw u/fpg] ;DaGwL Joj:yf M

tof/L kf];fs, un}+rf, kl:dgf, x:tsnf nufotsf j:t' lgof{tstf{x¿nfO{ kl/jTo{ ljb]zL d'b|fdf

Pre-shipment tyf Post-shipment shf{ pknAw u/fpg] ;DaGwdf b]xfosf Joj:yfx¿ ul/Psf] 5 .

-s_ kl/jTo{ ljb]zL d'b|f cfh{g x'g] u/L lgof{t sf/f]jf/ ug]{ lgof{tstf{x¿af6 kl/jTo{

ljb]zL d'b|fdf Pre-shipment tyf Post-shipment shf{ dfu u/]df k|rlnt Joj:yf

cGtu{t /xL To:tf] shf{ pknAw u/fpg' kg]{5 . o:tf] shf{df a9Ldf One Year Libor

b/df clwstd !=@% -Ps bzdnj b'O{ kfFr_ k|ltzt yk u/L x'g cfpg] b/n] Jofh

lng ;lsg]5 / ;f]sf] ;fFjf÷Aofh kl/jTo{ ljb]zL d'b|fdf g} c;'n pk/ ug'{kg]{5 .

-v_ o:tf] shf{ k|bfg u/] afkt ;DalGwt a}+sx¿n] dfu u/]df c;n shf{sf] td;'ssf] lwtf]df

One Year Libor b/df )=@% -z'Go bzdnj b'O{ kfFr_ k|ltzt yk u/L x'g cfpg]

Jofhb/df k|rlnt Joj:yfsf] cwLgdf /xL a}+s tyf ljQLo ;+:yfx¿af6 k'g/shf{ dfu

ePsf] lbgdf g} ;DalGwt a}+s tyf ljQLo ;+:yfx¿nfO{ o; a}+sn] kl/jTo{ ljb]zL d'b|fdf

k'g/shf{ pknAw u/fpg] 5 . Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx¿n] o:tf] k'g/shf{

dfu ubf{ o; a}+ssf] lgb]{zg adf]lhdsf] k'FhLsf]if kof{Kttf sfod u/]sf] x'g'kg]{5

-u_ ;DalGwt a}+sx¿n] o;/L k'g/shf{ dfu ubf{ o;};fy ;+nUg 9fFrf cg';f/sf] kmd{ clgjfo{

?kn] eg'{ kg]{5

-3_ o:tf] k'g/shf{ slDtdf cd]l/sL 8n/ !,)),))) -Psnfv_ jf ;f]sf] u'0fg (Multiple) df

dfq pknJw u/fOg]5

-ª_ o:tf] k'g/shf{sf] ;fFjf Jofh kl/jTo{ ljb]zL d'b|fdf g} tf]lsPsf] cjlwleq} e'QmfgL ug'{

kg]{5

-r_ kl/jTo{ ljb]zL d'b|fdf Pre-shipment shf{ lnPsf] u|fxsn] s'g} sf/0fjz ;fdfg lgof{t ug{

g;s]sf] sf/0f pko{'Qm shf{ ljb]zL d'b|fdf g} r'Qmf ug{ g;s]sf] v08df g]kfnL ?k}+ofFdf g}

cfjZos lx;fj ldnfg ug{ ;lsg]5 . t/, To;/L lx;fj ldnfg ubf{ lx;fj ldnfg x'g]

179

lbgsf] ljlgdo b/ nfu' ug'{kg]{5 / Jofhb/sf] xsdf g]kfnL ?k}ofFsf] shf{df lng] clwstd

Jofh b/ eGbf a9L gx'g] u/L b'O{ kIfsf] ;xdltdf lgwf{l/t b/df shf{ lnPsf] ldlt b]lvg}

lng ;lsg]5 .

-5_ Post-shipment shf{sf] xsdf klg Issuing Bank n] Discrepancy b]vfO{ lgof{t e'QmfgL

k"0f{?kdf k|fKt x'g g;s]sf] v08df e'QmfgL Nofpg g;s]sf] /sdsf] xsdf dfly v08 -r_

df pNn]v ul/P cg';f/ ug'{kg]{5 . ;fy}, o:tf] ljb]zL d'b|f k|fKt geP;Dd jf o; a}+sn]

o;af/] :jLs[lt glbP;Dd o;/L lx;fj ldnfg ul/Psf sf/f]jf/x¿sf] clen]v clgjfo{?kn]

sn]Szgdf k7fOPsf 8s'd]G6 ;DaGwL pko'Qm n]vf zLif{s cGtu{t /fVg'kg]{5 .

-h_ sf/0fjz lgof{t x'g g;sL lgof{t shf{ lng] lgof{tstf{n] pQm shf{ kl/jTo{ ljb]zL d'b|fdf

e'QmfgL ug{ g;Sg] l:ylt cfOk/]df To:tf lgof{tstf{sf] ljb]zL d'b|f vftf /x]sf] eP To:tf]

ljb]zL d'b|f vftfdf /x]sf] df}Hbftaf6 lx;fj ldnfg ug'{ kg]{5 . t/, o;sf] nflu lgof{t

gePsf] Joxf]/f ;DalGwt a}+sn] osLg ug'{ kg]{5 . ljb]zL d'b|f vftf gePsf] jf To:tf]

vftfdf kof{Kt df}Hbft gePsf] cj:yfdf v08 -r_ sf] Joj:yf adf]lhd lx;fj ldnfg ug'{

kg]{5 .

-em_ kl/jTo{ ljb]zL d'b|fdf Post-shipment shf{ lb+bf lgof{t Documents Negotiate ubf{s}

cj:yfdf lgof{tstf{sf] kl/jTo{ ljb]zL d'b|f vftfdf hDdf ug{ ldNg]5 . syd\sbflrt\

Negotiate ul/Psf pko'{Qm Documents sf] k"0f{ e'QmfgL k|fKt gePsf] cj:yfdf k|rlnt

Joj:yf cg';f/ o; ljefunfO{ hfgsf/L k|fKt ePsf] & lbgleq ljj/0f pknAw

u/fpg'kg]{5 .

-`_ Pre-shipment shf{ lbFbf lgof{tstf{sf] gfpFdf b]xfPdf plNnlvtdWo] s'g} Pp6f sfuhft

k|fKt eO ;s]sf] x'g'kg]{5 M

-!_ lgof{t k|tLtkq

-@_ cfoftstf{ / lgof{tstf{ aLr ePsf] v/Lb ljqmL ;Demf}tf÷;xdlt ;DaGwL sfuhft

(Proforma Invoice or Contract Paper or Indent) -#_ o; a}+s jf cGo a}+s÷ljQLo ;+:yfaf6 hf/L ePsf] CAD cg'dltkq

-$_ a}+s÷ljQLo ;+:yfaf6 hf/L ePsf] clu|d e'QmfgL k|df0fkq

dfly plNnlvt a'Fbf -!_ b]lv -#_ adf]lhdsf sfuhftsf cfwf/df Pre-shipment shf{ k|bfg

u/L ;s]kl5 plNnlvt zt{gfdf s'g} sf/0fa; /2 eO{ kl/jTo{ ljb]zL d'b|f k|fKt x'g

g;s]sf] cj:yfdf lgof{tstf{sf] cfˆgf] vftfdf ePsf] kl/jTo{ ljb]zL d'b|f jf eljiodf

cGo lgof{taf6 k|fKt x'g] ljb]zL d'b|faf6 ;f] shf{ e'QmfgL ug'{ kg]{5

-6_ Pre-shipment shf{ ;'ljwf cGtu{t lnPsf] C0f lgof{t Documents Negotiate u/]s}

cj:yfdf r'Qmf ug{ nufpg] jf ;f]sf] e'QmfgL k|fKt ePkl5 dfq r'Qmf ug{ nufpg] eGg]

af/] ;DalGwt a}+s÷ljQLo ;+:yf :jod\n] Joj:yf ug{ ;Sg]5

-7_ Pre-shipment tyf Post-shipment shf{ :j?k ljb]zL d'b|fdf g} C0f pknJw x'g] Joj:yf

Deemed Export sf] xsdf ;d]t nfu' x'g]5

-&_ k"jf{wf/ kl/of]hgfdf kl/jTo{ ljb]zL d'b|fdf C0f k|bfg ug]{ ;DaGwL Joj:yf M

jfl0fHo a}+sx¿af6 lghL If]qdfk{mt ;~rfng x'g] k"jf{wf/ kl/of]hgf cGtu{t ;8sdfu{, s]jnsf/,

/]nj], kmgkfs{, ljdfg:yn, ˆnfO cf]e/ /f]8, 6g]n /f]8df ;d]t b]xfosf zt{x¿sf] clwgdf /xL

kl/jTo{ ljb]zL d'b|fdf shf{ k|jfx ug{ ;lsg]5 .

-s_ kl/of]hgsf] nflu cfjZos kg]{ d]lzg/L, pks/0f / ;/–;fdfg cfoft ug{ Pjd\ k|rlnt

Joj:yf adf]lhd ljb]zL kIf;Fu k/fdz{–;]jf, k|fljlws–;]jf jf cGo ;]jf lnP afkt

e'QmfgL ug'{ kg]{ ljb]zL d'b|fsf] nflu o; k|sf/sf] C0f k|bfg ug{ ;lsg]5 .

180

-v_ g]kfnL d'b|fdf e'QmfgL ug]{ /sd (NPR Denominated Payment_ sf nflu ljb]zL d'b|fdf

C0f k|bfg ug{ kfOg] 5}g .

-u_ o:tf] C0fsf] Jofh b/ a}+s / C0fL b'a}kIfsf] ;xdltdf to ug'{ kg]{5 .

-3_ o:tf] C0fsf] ;Defljt ljlgdo b/ hf]lvd ;DalGwt kIfx¿ :jo+n] Joj:yfkg ug'{ kg]{5 .

-ª_ o:tf] C0f cGtu{tsf] /sdaf6 ;]jfsf] e'StfgL ug{'k"j{ k|rlnt Joj:yf cGtu{t cfjZos

sfuhft ;lxt o; ljefusf] k"j{ :jLs[lt lng'kg]{5 .

-*_ ljb]zL nufgLstf{n] leq\ofPsf] kl/jTo{ ljb]zL d'b|fsf] lgIf]ksf] lwtf]df g]kfnL d'b|fdf shf{ k|bfg

ug]{ ;DaGwL Joj:yf M

ljb]zL nufgLdf :yfkgf ePsf pBf]u tyf kl/of]hgfdf ljb]zL nufgLstf{n] leq\ofPsf] kl/jTo{

ljb]zL d'b|fsf] /sd g]kfnsf jfl0fHo a}+sx¿df o; ljefusf] :jLs[lt lnO{ kl/jTo{ ljbzL d'b|fd}

lgIf]k /fvL ;f]sf] lwtf]df g]kfnL d'b|fdf shf{ lng ;Sg]5g\ . o;/L shf{ k|jfx ubf{ lwtf]df /xg]

ljb]zL d'b|f lgIf]knfO{ pQm a}+sn] Po/dfs{ ug'{kg]{ / shf{ ;'/Iff;Fu ;DalGwt cGo Joj:yfx¿

ckgfpg' kg]{5 .

181

cg';"rL !(=!

-O=k|f=kl/kq ;+Vof !( sf] bkmf %-3_ sf] k|of]hgsf] nflu_

a}+s÷ljQLo ;+:yfsf] gfd M

clkm;÷zfvfsf] gfd

>L g]kfn /fi6« a}+s ldltM



ljifoM C0f :jLs[t u/]sf] af/] .

dxfzo,

To; ljefusf] O=k|f= kl/kq ;+VofM !( sf] bkmf %-3_ adf]lhd hnljB't pTkfbg tyf k|;f/0f;Fu ;DalGwt

cfof]hgf÷kl/of]hgf÷kmd{÷sDkgL÷pBf]unfO{ kl/jTo{ ljb]zL d'b|fdf b]xfoadf]lhd C0f :jLs[t ul/Psf] Joxf]/f

hfgsf/Lsf] nflu cg'/f]w ub{5f}F .

C0fLsf]

gfd

pTkfbg÷kl/of]hgfsf] cg'dflgt

nfut

-kl/jTo{ ljb]zL d'b|fdf_

pTkfbg

kl/of]hgfsf]

lsl;d

:jLs[t k|bfg u/]sf] C0f

/sd -kl/jTo{ ljb]zL

d'b|fdf_

Jofh

b/

C0f

cjlw

s}lkmot

j:t' ;]jf j:t' ;]jf

tof/ ug]{,

gfd M


gfd M

kb M

a}+ssf] 5fk M

182

cg';"rL !(=@

-O=k|f=kl/kq ;+Vof !( sf] bkmf %-ª_ sf] k|of]hgsf] nflu_

a}+s÷ljQLo ;+:yfsf] gfdM

zfvfsf] gfd

>L g]kfn /fi6« a}+s ldltM




ljifoM e'QmfgL ug{ afFsL C0fsf] hfgsf/L af/] .

dxfzo,

txf+sf] O=k|f= kl/kq ;+VofM !( sf] bkmf %-ª_ adf]lhd hnljB't pTkfbg tyf k|;f/0f;Fu ;DalGwt b]xfosf

C0fLnfO{ kl/jTo{ ljb]zL d'b|fdf k|bfg ul/Psf] C0fdWo] ldlt ============================;Dddf b]xfo adf]lhd ;fFjf Jofh

e'QmfgL x'g afFsL /x]sf] Joxf]/f hfgsf/Lsf] nflu cg'/f]w ub{5f}F .

qm=;+= C0fLsf] gfd

pTkfbg÷kl/of]hgfsf]

lsl;d

z'?sf] C0f /sd

-kl/jTo{ ljb]zL d'b|fdf_

jf+sL C0f /sd

-kl/jTo{ ljb]zL d'b|fdf_ s}lkmot

;f+jf Jofh


gfd M

kb M

a}+ssf] 5fk M

183

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M@)÷@)&^

Ph]G;L a}+sx¿df /fVg ;Sg] ljb]zL ljlgdo df}Hbft, Derivatives pks/0f, Forward

Contract / Interest Rate Swap ;DaGwL Joj:yf .

a}+s tyf ljQLo ;+:yfx¿n] ljb]zl:yt Ph]G;L a}+sx¿df /fVg ;Sg] ljb]zL ljlgdo df}Hbft, Derivatives pks/0f, Forward sf/f]jf/ / Interest Rate Swap ;DaGwdf b]xfo adf]lhd Joj:yf ul/Psf]n] ;f] adf]lhd

ug{' u/fpg'x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/

k|of]u u/L] g]kfn /fi6« a}+s a}+lsË sfof{no nufot ;Dk"0f{ sfof{nox¿ tyf Ohfhtkqk|fKt æsÆ / /fli6«o

:t/sf ævÆ ju{sf ljsf; a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

!= a}+s tyf ljQLo ;+:yfx¿n] ljb]zl:yt Ph]G;L a}+sx¿df /fVg ;Sg] ljb]zL ljlgdo df}Hbft tyf

8]l/e]l6E; (Derivatives ) pks/0f ;DaGwL Joj:yf .

o; a}+saf6 Ohfhtkqk|fKt æsÆ / /fli6«o :t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿n] cfk"m;Fu

df}Hbft /x]sf] kl/jTo{ ljb]zL d'b|fsf] nufgL Joj:yfkg tyf ljlgdo b/df x'g] ptf/r9fjsf] sf/0fn]

x'g ;Sg] hf]lvd Joj:yfkgsf] nflu b]xfo adf]lhdsf] Joj:yf cGtu{t cf–cfˆgf] ;+rfns ;ldltn]

tf]s]sf] gLltut dfkb08leq /xL ljb]zL d'b|f ahf/df k|rlnt laleGg Derivatives pks/0f ;DaGwL

sf/f]jf/x¿ ug{ / cfˆgf] ljb]zL Ph]G;L a}+sx¿df kl/jTo{ ljb]zL d'b|f df}Hbftsf] ?kdf nufgL ug{

;Sg] 5g\ .

-s_ nufgL Joj:yfkgnfO{ b]xfosf] adf]lhd x'g] u/L ug'{÷u/fpg' kg]{5 M

-!_ cGt/f{li6«o ljQLo ;+:yf / ljb]zL ;/sf/af6 hf/L ePsf laleGg k|sf/ / cjlwsf

-tn bkmf -h_ df pNn]v eP adf]lhd x'g] u/L_ C0fkq, lgIf]k k|df0fkq nufotsf

ljljw pko'Qm pks/0fx¿df nufgL ug{ ;lsg]5 .

-@_ kl/jTo{ ljb]zL d'b|fsf] lgIf]kaf6 k|fKt / cfk"m;Fu df}Hbft /x]sf] kl/jTo{ ljb]zL d'b|f

dfq nufgL ug{ ;lsg]5 .

-#_ o:tf] nufgL k|of]hgsf] nflu cGt/f{li6«o jf ljb]zL a}+s tyf laQLo ;+:yfaf6 s'g}

lsl;dsf] C0f lng kfOg] 5}g .

-v_ ljb]zL d'b|f ahf/df k|rlnt Forward, Futures, Options, Swap h:tf Derivatives pks/0f

;DaGwL sf/f]jf/ ug{ ;lsg]5 .

-u_ v08 -s_ sf] -!_ / -@_ df plNnlvt sf/f]jf/x¿ ubf{ pTkGg x'g] ljlgdo nufotsf hf]lvd

;DalGwt a}+s tyf ljQLo ;+:yfn] g} Joxf]g'{ kg]{5 .

-3_ a}+s÷ljQLo ;+:yfx¿n] clu|d ljlgdo sf/f]jf/ -Forward Exchange Contract_ u/]sf]

cj:yfdf ;f] s/f/ bfloTjsf] ;Dk"0f{ /sd ljb]zL Ph]G;L a}+sx¿df df}Hbftsf] ?kdf /fVg ;Sg]

5g\ . ljb]zL ljlgdo sf/f]jf/df clu|d ljlgdo (Forward Exchange ) sf] ;'ljwf pknJw

u/fpg] ;DaGwdf b]xfodf plNnlvt zt{x¿sf] cwLgdf /xL ug'{ kg]{5 M

-!_ ;DalGwt a}+sx¿ :jod\n] clu|d ljlgdob/ (Forward Exchange Rate) lgwf{/0f ug'{

kg]{5 .

184

-@_ clu|d ljlgdo sf/f]jf/ ubf{ lgj]bssf] cfjZostfsf] cfwf/ (Need Based) nfO{ osLg

u/]/ dfq ug'{ kg]{ 5 .

-#_ o; k|sf/ ul/Psf] clu|d ljlgdo sf/f]jf/sf] Cover g]kfn /fi6« a}+s dfkm{t k|fKt x'g]

5}g cyf{t\ o;af6 x'g ;Sg] nfe xfgL b'j} ;DalGwt a}+sn] g} Joxf]g'{ kg]{ 5 .

-ª_ a}+s÷ljQLo ;+:yfx¿n] cfkm";Fu /x]sf] kl/jTo{ ljb]zL d'b|fsf] lgIf]k afktsf] ;Dk"0f{ /sd

ljb]zL Ph]G;L a}+sx¿df df}Hbftsf] ?kdf /fVg ;Sg] 5g\ .

-r_ a}+s tyf ljQLo ;+:yfx¿n] vf]n]sf] cfoft k|tLtkq nufot cGo ljb]zL ljlgdo bfloTjsf]

xsdf a9Ldf #% k|ltzt a/fa/sf] ljb]zL d'b|f dfq ljb]zL Ph]G;L a}+sdf df}Hbftsf] ?kdf

/fVg ;Sg] 5g\ .

-5_ k|tLtkqsf] bfloTj, kl/jTo{ ljb]zL d'b|fsf] lgIf]k tyf clu|d ljlgdo sf/f]jf/ gePsf a}+s

tyf ljQLo ;+:yfn] ;d]t cfˆgf] sf/f]jf/ ;~rfng ug{ cd]l/sL 8n/ !) nfv;Dd ljBdfg

Joj:yf cGtu{t /xL df}Hbftsf] ?kdf /fVg ;Sg] 5g\ .

-h_ a}+s tyf ljQLo ;+:yfx¿n] Ph]G;L df}Hbftaf6 cfˆgf] b}lgs t/ntfdf k|lts"n c;/ gkg]{ u/L

a9Ldf Ps jif{ jf ;f] eGbf sd cjlwsf] sn l8kf]lh6, ;l6{lkms]6 ckm l8kf]lh6 jf o:t} cGo

pks/0fx¿df nufgL ug{ ;Sg]5g\ . ;f] eGbf a9L cjlwsf nflu nufgL ug{' k/]df cfˆgf]

gLltut Joj:yf cGt/ut /xL Ph]G;L a}+sx¿df /x]sf] s'n df}Hbftaf6 a9Ldf $) k|ltzt

;Dd @ jif]{ cjlw ;Ddsf] sn l8kf]lh6, ;l6{lkms]6 ckm l8kf]lh6 jf o:t} cGo Go'g hf]lvd

ePsf pks/0fx¿df nufgL ug{ ;Sg]5g . t/, k"0f{ t/n ;/sf/L ;'/If0fkqdf eg] pk/f]Qm

;Ldfleq /xL clwstd % jif{;Ddsf nflu nufgL ug{ ;Sg]5g\ .

t/ o:tf] nufgL g]kfn ;b:o /x]sf] If]qLo tyf cGt/fli6«o ;xof]u ;+u7gsf laleGg

sf]ifx¿sf] kl/jTo{ ljb]zL d'b|fdf k|fKt x'g] lgIf]k ;f]xL d'b|fdf g} o; kl/kq adf]lhd Go"g

hf]lvd ePsf pks/0fdf nufgL ug{ pQm $) k|ltztsf] ;Ldf nfu' x'g] 5}g .

@= Forward sf/f]jf/df x'g] hf]lvd Joj:yfkg ;DaGwL Joj:yf M

Ohfhtkqk|fKt æsÆ ju{sf a}+sx¿n] cfk"m;Fu df}Hbft /x]sf] kl/jTo{ ljb]zL d'b|fsf] nufgL

Joj:yfkg tyf ljlgdo b/df x'g] ptf/ r9fjsf] sf/0fn] x'g ;Sg] hf]lvd Joj:yfkgsf] nflu

k|rlnt Joj:yf adf]lhd Derivatives ;DaGwL sf/f]jf/ cGtu{t Forward sf] sf/f]jf/ ubf{ cf;Gg

hf]lvdnfO{ k"0f{tof Wofgdf /fVg] tyf ;6[]jfhL (Speculative) sf/f]jf/ gx'g] u/L b]xfo adf]lhdsf]

zt{x¿sf] cwLgdf /xL sf/f]jf/ ug'{kg]{5 .

-s_ Forward sf/f]jf/df Open Position /fVg gkfOg] cyf{t pQm sf/f]jf/ Completely Square

Up Position x'g' kg]{ . -v_ Forward sf/f]jf/sf] Exposure kl/jTo{ ljb]zL d'b|fdf b]vfpg' kg]{ .

-u_ Proprietary Forward sf/f]jf/sf] aSof}tf -Outstanding) vl/b / ljqmL (Buy/Sale) b'j} hf]8]/ k|fylds k"+hLsf] #) k|ltzt eGbf a9L x'g gx'g] .

-3_ Proprietary sf/f]jf/ # dlxgfeGbf a9L cjlwsf] ug{ gkfOg] .

-ª_ Forward sf/f]jf/sf] v'b lx;fj ldnfg (Net Settlement) ubf{ ljb]zL ljlgdo jlxu{dg

x'g] cj:yfdf ljBdfg Joj:yf adf]lhd o; a}+snfO{ hfgsf/L u/fpg' kg]{ .

-r_ Forward sf/f]jf/sf] ;fKtflxs ljj/0f o;};fy ;+nUg cg';"rL @)=! cg';f/ e/L x/]s

cfOtjf/ ljb]zL ljlgdo Joj:yfkg ljefudf k7fpg' kg]{ .

#= Interest Rate Swap ;DaGwL Joj:yf M

kl/jTo{ ljb]zL d'b|fsf] sf/f]jf/ ug]{ Ohfhtkqk|fKt a}+s÷ljQLo ;+:yfx¿n] k|rlnt Joj:yf cGtu{t

b]xfosf zt{x¿sf] clwgdf /xL Interest Rate Swap ug{ ;Sg]5g M

185

-s_ a}+s÷ljQLo ;+:yfx¿n] cfk'm;Fu /x]sf] ljb]zL d'b|f df}Hbftsf cfwf/df Interest Rate Swap

;Demf}tf ug{ ;Sg] .

-v_ Interest Rate Swap ;Demf}tf u/]kl5 s'g a}+s÷ljQLo ;+:yf;Fu s] slt Swap ;Demf}tf

slt cjlwsf] nflu ul/Psf] xf] ;f]sf] hfgsf/L & -;ft_ lbg leq clgjfo{ ?kdf o;

ljefunfO{ u/fpg'kg]{ .

-u_ hlt /sdsf] nflu Swap ug]{ xf] ;f]xL a/fa/sf] /sdsf] nflu clgjfo{ ?kdf nufgL ub}{

hfg'kg]{ .

-3_ a}+s÷ljQLo ;+:yfx¿n] k|rlnt Joj:yf cGtu{t ljb]zL d'b|fdf C0f lnPsf C0fL;Fu ;f]

C0fsf] Aofhb/ Hedge ug]{ l;nl;nfdf Interest Rate Swap ;Demf}tf u/]df s'g lgsfo;Fu

s] slt /sd, slt cjlwsf] nflu / s] s:tf] zt{df Swap ul/Psf] xf] < ;f] sf] hfgsf/L

!% -kGw|_ lbgleq clgjfo{¿kdf o; ljefunfO{ u/fpg' kg]{5 .

-ª_ pko{'Qm sf/f]jf/x¿af6 l;h{gf x'g] ;a} bfloTj ;DalGwt a}+s÷ljQLo ;+:yf cfk}mn] Joxf]g'{

kg]{5 .

186

cg';"rL @)=!

-O=k|f=kl/kq ;+Vof @) sf] bkmf @-r_ sf] k|of]hgsf] nflu_

============Bank Limited

Outstnding of Forward Transactions

As on.............

Weekly Reporting Format (Sunday-Friday)

A.Proprietary Transactions

Deal Date

Forward

Amount

(in US$)

Forward Rate Value Date

Direction Of

Transactions

(Buy/Sale)

Counterparty Remarks

Total in USD

Exchange

Rate

Total in NPR

Core Capital (Rs.in million)

Total Proprietary Forward (Rs. in million) % of

Core Capital

Net Settlement During the weeks (Rs.in Million)

B. Non - Proprietary Transactions

Deal Date

Forward

Amount

(in US$)

Forward

Rate

Value

Date

Direction Of

Transactions

(Buy/Sale)

Requesting

Customer Counterparty Remarks

Total in

USD

187

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M@!÷@)&^

ljb]zL d'b|fsf] v/Lb ljqmL sf/f]jf/, sld;g / ljlgdo b/ k|sfzg ;DaGwL Joj:yf

ljb]zL d'b|fsf] v/Lb ljqmL sf/f]jf/ tyf sld;g ;DaGwdf lgDg adf]lhdsf] Joj:yf ul/Psf] x'Fbf ;f] cg';f/

ug'{÷u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/

k|of]u u/L] g]kfn /fi6« a}+s, a}lsË sfof{no nufot ;Dk"0f{ sfof{nox¿, Ohfhtkqk|fKt æsÆ / /fli6«o:t/sf

ævÆ ju{sf a}+s tyf ljQLo ;+:yf, Ohfhtkqk|fKt dlgr]~h/ Pjd\ xf]6nx¿nfO{ of] kl/kq hf/L ul/Psf] 5

.

!= ljb]zL d'b|fsf] v/Lb ljqmL sf/f]jf/ tyf sld;g ;DaGwL Joj:yf M

-s_ Ohfhtkqk|fKt æsÆ / /fli6«o:t/sf ævÆ ju{sf a}+s÷ljQLo ;+:yfx¿ :jod\n] kl/jTo{ ljb]zL

d'b|fx¿sf] ljlgdo b/ tf]Sg ;Sg]5g\ .

-v_ ef/tLo ?k}+ofFsf] ljlgdo b/ o; a}+sn] tf]s] adf]lhd x'g]5 .

-u_ a}+s÷ljQLo ;+:yfx¿n] cf–cfk"mn] lgwf{/0f u/]sf] ljlgdo b/df kl/jTo{ ljb]zL d'b|fsf] / o;

a}+saf6 lgwf{l/t ljlgdo b/df ef/tLo ?k}ofFFsf] v/Lb ljqmL sf/f]jf/ cGt/ a}+s÷ljQLo ;+:yf

v/Lb÷ljqmL tyf shf{ ;fk6 nufotsf sf/f]jf/ ug{ ;Sg]5g\ .

-3_ kl/jTo{ ljb]zL ljlgdo b/x¿df x'g] yk36sf] sf/0faf6 sf/f]jf/df x'g;Sg] s'g} klg lsl;dsf]

nfe xfgL ;DalGwt a}+s÷ljQLo ;+:yfx¿s} x'g]5 . t/, ef/tLo ?k}ofFsf] ljlgdo b/sf]

yk36af6 x'g] nfe xfgLsf] ldnfg k|rlnt Joj:yf adf]lhd ul/g]5 .

-ª_ o; a}+s / Ohfhtkqk|fKt a}+s÷ljQLo ;+:yfx¿aLr kl/jTo{ ljb]zL d'b|fsf] v/Lb÷ljqmLsf]

sf/f]jf/ ;fdfGotof cd]l/sL 8n/df dfq x'g]5 .

-r_ a}+s÷ljQLo ;+:yfx¿n] gub kl/jTo{ ljb]zL d'b|f v/Lb÷ljqmL sf/f]jf/ ubf{ b]xfo adf]lhd ug{

kg]{5 M

-!_ kl/jTo{ ljb]zL d'b|fsf] %) -krf;_ / ;f]eGbf dflysf b/sf gub gf]6 v/Lb ubf{ s'g}

lsl;dsf] z'Ns, sld;g cflb lng kfOg] 5}g .

-@_ kl/jTo{ ljb]zL d'b|fsf] %) -krf;_ b/eGbf sd b/sf gub gf]6 v/Lb ubf{ ;]jf z'Nssf]

?kdf j9Ldf )=%) -z'Go bzdnj kfFr z'Go_ k|ltzt;Dd lng kfOg]5 .

-#_ kl/jTo{ ljb]zL d'b|fsf] gub gf]6 k|rlnt ljlgdo b/df ljqmL ubf{ s'g} lsl;dsf] sld;g,

z'Ns cflb lng kfOg] 5}g .

-5_ o; a}+saf6 Ohfhtkqk|fKt u/]sf dlgr]~h/x¿n] gub kl/jTo{ ljb]zL d'b|f v/Lb÷ljqmL

sf/f]jf/ ubf{ b]xfo adf]lhd ug{ ;Sg] 5g\ M

-!_ kl/jTo{ ljb]zL d'b|fsf] %) -krf;_ / ;f]eGbf dflysf b/sf gub gf]6 v/Lb ubf{ cfˆgf]

a}+s÷ljQLo ;+:yfn] lgwf{/0f u/]sf] ljlgdo b/df a9Ldf !=%) -Ps bzdnj kfFr z'Go_

k|ltzt;Dd sd u/L v/Lb b/ sfod ug{ ;Sg]5g\ .

-@_ kl/jTo{ ljb]zL d'b|fsf] %) -krf;_ eGbf sd b/sf gub gf]6 v/Lb ubf{ cfˆgf]

a}+s÷ljQLo ;+:yfn] lgwf{/0f u/]sf] ljlgdo b/df a9Ldf @=)) -b'O{_ k|ltzt;Dd sd u/L

v/Lb b/ sfod ug{ ;Sg]5g .

188

-#_ lqe'jg cGt/f{li6«o ljdfg:yn kl/;/df /x]sf Ohfhtkqk|fKt dlgr]~h/x¿sf] xsdf ;a}

b/sf kl/jTo{ ljb]zL d'b|fsf] gf]6 ;6xL ubf{ cfˆgf] a}+s÷ljQLo ;+:yfn] lgwf{/0f u/]sf]

ljlgdo b/df a9Ldf @=)) -b'O{_ k|ltzt;Dd sd u/L v/Lb b/ sfod ug{ ;Sg]5g .

-$_ gub ef/tLo ?k}ofFF v/Lb ubf{ o; a}+saf6 lgwf{l/t b/df v/Lb ug'{ kg]{5 / ljqmL ubf{

eg] ef/tLo ?k}ofFF !)).–-Ps ;o_ df a9Ldf –.$) -rfnL;_ k};f;Dd ;]jf z'Nssf]

?kdf lnO{ ljqmL ug{ ;lsg]5 .

-%_ kl/jTo{ ljb]zL d'b|fsf] gub gf]6 vl/b ljqmL ubf{ o; a}+sn] tf]s]sf] afx]s s'g} lsl;dsf]

sld;g, z'Ns cflb lng kfOg] 5}g .

-^_ o; a}+saf6 /fxbfgL ;'ljwf afktsf] ;6xL ;'ljwf k|bfg ug{ Ohfht lnPsf

dlgr]~h/x¿n] To:tf] ;6xL ;'ljwf k|bfg ubf{ cfˆgf] a}+s tyf ljQLo ;+:yfn] tf]s]sf]

ljlgdo b/ g} sfod ug{'kg]{5 .

-&_ dlgr]~h/n] ;6xL u/]sf] kl/jTo{ ljb]zL d'b|f o; a}+ssf] a}+lsª sfof{no nufot pkTosf

jflx/sf sfof{nox¿ dfk{mt klg ;6xL u/L a'emLlbg] Joj:yf ul/Psf] 5 . t/ o;/L

;6xL ubf{ a}+s tyf ljQLo ;+:yfx¿df kl/jTo{ ljb]zL d'b|f vftf ePsf dlgr]~r/x¿sf]

xsdf ;f]xL vftfdf hDdf ug{'kg]{5 .

-h_ a}+s÷ljQLo ;+:yfx¿ / dlgr]~h/x¿n] cf–cfˆgf] df}Hbftsf] gub kl/jTo{ ljb]zL d'b|f o;

a}+ssf] a}+ls+u sfof{no / pkTosf aflx/sf sfof{nox¿n] a'lemlng] Joj:yf ul/Psf] 5 . o;/L

a'emfpg NofpFbf b]xfo adf]lhd x'g] u/L ;6xL÷v/Lb÷hDdf ul/g]5 M

-!_ kl/jTo{ ljb]zL d'b|fsf] %) -krf;_ / ;f]eGbf dfly b/sf gub gf]6sf] xsdf s'g}

lsl;dsf] sld;g, z'Ns cflb lnOg] 5}g .

-@_ kl/jTo{ ljb]zL d'b|fsf] %) -krf;_ eGbf sd b/sf gub gf]6sf] xsdf )=%) -z"Go

bzdnj kfFr z'Go_ k|ltztsf b/n] ;]jf z'Ns lnOg]5 .

-#_ dfly pNn]v ul/P adf]lhd k|fKt kl/jTo{ ljb]zL d'b|fdf nfUg] sld;g s§f u/L afFsL x'g]

/sd vftfdf hDdf ug]{ ;DaGwdf a}+s÷ljQLo ;+:yf tyf dlgr]~h/sf] cg'/f]wdf b]xfo

adf]lhd ug{ ;lsg]5 M–

-s_ a}+s÷ljQLo ;+:yfsf] xsdf o; a}+sdf /x]sf] ;DalGwt ljb]zL d'b|f vftf jf g]kfnL

?k}ofFF vftfdf hDdf ug]{ .

-v_ ;DalGwt ljb]zL d'b|fdf vftf gePsf] ljb]zL d'b|fsf] xsdf k|rlnt ljlgdo b/

adf]lhd x'g] /sd g]kfnL ?k}ofFF vftfdf hDdf ug]{ .

-u_ dlgr]~h/x¿sf] xsdf ;DalGwt dlgr]~h/sf] a}+s÷ljQLo ;+:yfl:yt ;DalGwt

ljb]zL d'b|f jf g]kfnL ?k}ofFFsf] vftfdf hDdf x'g] u/L /sdfGt/ / ;DalGwt ljb]zL

d'b|fdf vftf gePsf] ljb]zL d'b|fsf] xsdf k|rlnt ljlgdo b/ adf]lhd x'g] /sd

g]kfnL ?k}ofFFsf] vftfdf hDdf x'g] u/L /sdfGt/ ug]{ .

-em_ o; a}+saf6 vl/b b/dfq k|sfzg x'g] kl/jTo{ ljb]zL d'b|fsf] xsdf ;d]t o;} kl/kqsf] Joj:yf

nfu' x'g]5 .

-`_ /f]huf/Lsf nflu ljb]z hfg] g]kfnLx¿n] u/]sf] cfh{g kl/jTo{ ljb]zL d'b|fdf leq\ofpg] sfo{sf]

nflu o; ljefuaf6 Ohfhtkq lnPsf lgsfox¿nfO{ yk k|f]T;fxg / ;'ljwf afkt k|rlnt

vl/b b/sf cltl/Qm k|lt cd]l/sL 8n/ –.!% k};fsf b/n] O=k|f=sld;g k|bfg ug]{ Joj:yf

ePsf] x'Fbf To:tf lgsfox¿n] o; a}+ssf] a}+lsË sfof{nosf] Ph]G;L vftfdf kl/jTo{ ljb]zL d'b|f

hDdf u/]df ;f]xL cg';f/ pQm sfof{noaf6 O=k|f=sld;g k|bfg ul/g] 5 .

189

-6_ o; a}+saf6 Ohfhtkqk|fKt xf]6nx¿n] cfkm\gf u|fxs;Fu cfk\mgf] ;]jfsf] e'QmfgL k|of]hgsf]

nflu gub kl/jTo{ ljb]zL d'b|f v/Lb ubf{ o; a}+sn] lgwf{/0f u/]sf] ;f] lbgsf] ljlgdo b/sf]

a9Ldf @ -b'O{_ k|ltzt;Dd sd u/L vl/b b/ sfod ug{ ;Sg]5g .

-7_ xf]6nn] cfˆgf u|fxsnfO{ ;6xL lbg ;Sg] ;DaGwdf M

!= Ohfhtkqk|fKt xf]6nx¿n] cfkm\gf u|fxsnfO{ cfjZos k/]df ;6xL ;'ljwf k|bfg ug{

;Sg]5g .

@= xf]6nx¿n] k|lt u|fxs clwstd cd]l/sL 8n/ #)) jf ;f] a/fa/;Ddsf] kl/jTo{ ljb]zL

d'b|f Ps a;fO{ cjwLdf Ps k6ssf] nflu dfq ;6xL k|bfg ug{ ;Sg]5g .

#= gub kl/jTo{ ljb]zL d'b|f vl/b u/L ;6xL k|bfg ubf{ o; ljefuaf6 hf/L PsLs[t O=k|f=

kl/kqM@&÷@)&$ sf] Joj:yf adf]lhd ljb]zL d'b|f ;6xL /l;b Foreign Exchange

Encashment Receipt (FEER) hf/L ug{'kg]{5 . o;/L hf/L ul/Psf] FEER sf] dfl;s ljj/0f

dlxgf ;DffKt ePsf] !% lbgleq o; ljefudf k]z ug{'kg]{5 .

-@_ Ohfhtkq k|fKt æsÆ ju{sf jfl0fHo a}+sx¿n] cd]l/sL tyf c:6]«lnog 8n/ cfoft ug]{ / gub

cd]l/sL tyf c:6«]lnog 8n/ ljqmL ubf{ Cash Handling Charge lng kfpg] ;DaGwdf M

g]kfndf e|d0f ug]{ ljb]zL ko{6sn] 8]lj6÷s|]l86 sf8{h:tf a}+lsª pks/0faf6 e'QmfgL ug]{ k|j[lQ

a9b} uPsf] / g]kfnL gful/sx¿ ljb]z e|d0fdf hfFbf To:tf] pks/0fsf] k|of]udf cEo:t eO{

g;s]sf] sf/0fn] jfl0fHo a}+sx¿df gub cd]l/sL 8n/ / c:6«]lnog 8n/ sd x'g uO{ k|rlnt

Joj:yf adf]lhd gub cd]l/sL 8n/ / c:6«]lnog 8n/ pknJw u/fpg sl7gfO{ ePsf] ;Gbe{df

gub cd]l/sL 8n/ / c:6«]lnog 8n/sf] cfk"lt{df ;xhtf k|bfg ug{ b]xfo adf]lhd Joj:yf ul/Psf]

5 .

!= gub cd]l/sL 8n/ / c:6«]lnog 8n/sf] Joj:yfkg ug{ jfl0fHo a}+sx¿ cfk}mn] gub cd]l/sL

8n/ / c:6«]lnog 8n/ cfoft u/L ljqmL ug{ ;Sg]5g\ .

@= o;/L cfoft ubf{ gub cd]l/sL 8n/sf gofF gf]6 (Fresh Note) / c:6«]lnog 8n/sf ;kmf

gf]6 (Clean Note) dfq cfoft u/L ljqmL ug'{ kg]{5 .

#= a}+sn] u|fxsnfO{ gub cd]l/sL 8n/ / gub c:6«]lnog 8n/ ljqmL ubf{ k|lt cd]l/sL 8n/ jf

k|lt c:6«]lnog 8n/ clwstd #) k};f;Dd Cash Handling Charge afkt lng ;Sg]5g\ .

$= gub cd]l/sL 8n/ jf gub c:6«]lnog 8n/ dfu ug{ cfpg] u|fxsnfO{ ;s];Dd a}+lsË pks/0f

dfk{mt ;6xL lbg k|f]T;fxg ug'{ kg]{5 .

-#_ ljlgdo b/ lgwf{/0f tyf k|sfzg ul/g] ljb]zL d'b|f ;DaGwL Joj:yf M

gub kl/jTo{ ljb]zL d'b|fsf] dfunfO{ b[li6ut u/L k|rlnt Joj:yf cGtu{t /xL Ohfhtkqk|fKt

;+:yfx¿n] tkl;n adf]lhdsf d'b|fx¿sf] vl/b tyf ljqmL b/ sfod u/L vl/b ljqmL ug{ ;Sg]5g .

t/, ef/tLo d'b|fsf] xsdf o; a}+sn] lgwf{/0f u/] adf]lhd x'g]5 .

s|=;+= b]z d'b|fsf] gfd

1 cd]l/sf o'=P;= 8n/

2 o'/f]lkog o'lgog o'/f]lkog o'/f]

3 j]nfot o's] kfp08 :6ln{ª

4 l:j6\h/Nof08 l:j; km|ofGs

5 ci6«]lnof ci6«]lnog 8n/

6 Sofg8f Sofg]l8og 8n/

7 l;+ufk'/ l;+ufk'/ 8n/

190

8 hfkfg hfkflgh P]g

9 rLg rfOlgh o'cfg

10 ;pbL c/]ljof ;fpbL c/]ljog l/ofn

11 stf/ stf/L l/ofn

12 yfONof08 yfO{ ef6

13 o'gfO6]8 c/a Old/]6 o'PO{ lb/fd

14 dn]l;of dn]l;og l/+lu6

15 blIf0f sf]l/of blIf0f sf]l/og jg

16 l:j8]g l:jl8; s|f]g/

17 8]gdfs{ 8]lg; s|f]g/

18 xªsª xªsª 8n/

19 s'j]t s'j]tL lbgf/

20 ax/fOg ax/fOg lbgf/

191

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M@@÷@)&^

kl/jTo{ ljb]zL d'b|fdf C0fkq hf/L ug]{ ;DaGwL Joj:yf .

k|rlnt sfg"g adf]lhd g]kfndf btf{ eO{ sf/f]jf/ ug{] sDkgLx¿n] o; a}+s;Fu k"j{ :jLs[lt lnO{

b]xfo adf]lhdsf] k|s[of k'/ofO{ kl/jTo{ ljb]zL d'b|fdf C0fkq hf/L ug{ ;Sg]] Joj:yf ul/Psf]n] ;f]xL

adf]lhd ug{' u/fpg'x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf]

clwsf/ k|of]u u/L] g]kfn /fi6« a}+s, a}+lsË sfof{no nufot ;Dk"0f{ sfof{nox¿ tyf Ohfhtkqk|fKt æsÆ

ju{ tyf /fli6«o:t/sf ævÆ ju{sf ljsf; a}+s / cGo ;DalGwt kIfx¿nfO{ ;d]t of] kl/kq hf/L ul/Psf]

5 .

!= k|rlnt sfg"g adf]lhd g]kfndf btf{ eO{ g]kfndf ljB't pTkfbg tyf k|;f/0f nfOg lgdf{0f ug{

Ohfhtkq kfPsf sDkgLx¿n] s'g} lglZrt kl/of]hgfsf] nflu o; a}+s;Fu k"j{ :jLs[lt lnO{ s'g}

klg dr]{06 a}lsË sf/f]jf/ ug{ :jLs[lt kfPsf æsÆ ju{ / /fli6«o :t/sf ævÆ ju{sf a}+s tyf

ljQLo ;+:yfsf ;xfos sDkgL dfk{mt kl/jTo{ ljb]zL d'b|fdf C0fkq hf/L ug{ ;Sg]5g .

@= sDkgLn] ;~rfng ug]{ kl/of]hgfn] lgoldt ¿kdf kl/jTo{ ljb]zL d'b|f cfh{g u/L kl/jTo{ ljb]zL

d'b|fd} ;fFjf tyf Jofh r'Qmf ug{ ;Sg] ePdf To:tf] kl/of]hgf ;DkGg ug]{ k|of]hgsf] nflu

cfjZos kg]{ ;|f]t ;+sng ug]{ sfo{sf] nflu kl/jTo{ ljb]zL d'b|fdf o:tf] C0fkq hf/L ug{ :jLs[lt

k|bfg ul/g]5 .

#= o:tf] C0fkq hf/L ug'{ cufj} k|rlnt sfg"g adf]lhd lwtf]kq jf]8{af6 ljj/0fkq :jLs[t u/fO{ ;f]

af]8{ tyf o; a}+sdf btf{ u/fpg' kg]{5 .

$= o:tf] C0fkq sDkgLn] ;~rfng ug]{ lglZrt kl/of]hgfsf] nflu cfjZos kg]{ ;|f]t h'6fpg dfq

hf/L ug{ ;lsg]5 .

% s'n kl/of]hgf nfutsf] clwstd ^) -;f7L_ k|ltztn] x'g] /sd;Dd dfq o; Joj:yfaf6 ;|f]tsf]

¿kdf ;+sng ug{ ;lsg]5 .

^= o:tf] C0fkqsf] e'QmfgL cjlw sfod ubf{ ljlgdob/, Jofhb/, bfloTj e'QmfgL, j}b]lzs ;DklQ /

bfloTjsf] c;Gt'ng (Mismatch) nufotsf hf]lvdx¿sf] plrt Joj:yfkg ljb]zL d'b|fdf C0f lng]

sDkgLn] g} ug'{ kg]{5 . o; ;DaGwL sf/f]jf/df pTkg x'g] s'g} klg lsl;dsf] ljb]zL ljlgdo

nufotsf cfly{s bfloTj o; a}+sn] Joxf]g]{ 5}g .

&= Jofh e'QmfgL ubf{ Jofh cfDbfgLdf nfUg] s/ ;|f]td} s6[f u/L e'QmfgL ug'{ kg]{5 .

*= kl/of]hgf ;~rfng ePsf] jif{b]lv C0fkqsf] ;fFjf / Jofh e'QmfgLsf] nflu æC0fkq e'QmfgL sf]ifÆ

v8f u/L e'QmfgL cjlw cg';f/ k|To]s jif{sf] d'gfkmfaf6 ;dfg'kflts b/df pQm sf]ifdf ljb]zL

d'b|fdf hDdf ub}{ hfg' kg]{5 .

(= C0fkqaf6 ;+slnt ljb]zL d'b|f h'g k|of]hgsf] nflu :jLs[t ul/Psf] xf] ;f]xL k|of]hgdf dfq vr{

ug'{ kg]{5 .

!)= o;/L ;+slnt ljb]zL d'b|f :jb]z tyf ljb]zaf6 ;f]xL kl/of]hgfsf] nflu k|of]u eO/x]sf] ljb]zL

d'b|fsf] C0fsf] ;fFjf / Jofh e'QmfgLsf] nflu dfq pkof]u ug{ kfOg]5 .

!!= C0fkq hf/L u/L p7]sf] /sddWo]af6 d'n's leq} vr{ ug'{ kbf{ k|rlnt Joj:yf adf]lhd g]kfnL

¿k}ofdf g} vr{ ug'{ kg]{5 .

192

!@= o:tf] C0fkqdf kl/jTo{ ljb]zL ljlgdosf] cfDbfgL÷;|f]t ePsf b]xfosf a}+s tyf ljQLo ;+:yf,

lgsfo, u}/ cfjf;Lo g]kfnL gful/s tyf JolQm ljz]ifn] b]xfo adf]lhd nufgL ug{ ;Sg]5g\ M

-s_ o; a}+saf6 Ohfhtkqk|fKt u/L kl/jTo{ ljb]zL d'b|fdf lgIf]k :jLsf/ ug]{ æsÆ ju{ /

/fli6«o :t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfn] ljb]zL d'b|fdf ;+sng u/]sf lgIf]k

bfloTj /sd dWo] cfˆgf] bfloTj Joj:yfkgdf k|lts"n c;/ gkg]{ u/L cfkm"n] lgwf{/0f

u/]sf] ljb]zL d'b|f lgIf]k bfloTjsf] $) k|ltzt ;Ddsf] /sddfq nufgL ug{ ;lsg]5 . o;

Joj:yf cGtu{t C0fkqdff nufgL u/]sf sf/0fn] kl/jTo{ ljb]zL d'b|fsf] lgIf]k bfloTj

e'StfgL ug{ sl7gfO{ k/]df o; a}+saf6 kl/jTo{ ljb]zL d'b|f pknAw u/fOg]5}g .

-v_ a}+s÷ljQLo ;+:yf afx]s cGo ;+3 ;+:yf tyf JolQm ljz]ifn] nufgL ubf{ cfˆgf] e}/x]sf]

ljb]zL d'b|f vftf dfk{mt nufgL ug'{ kg]{5 .

-u_ k|rlnt Joj:yf adf]lhd ljb]zL d'b|fsf] cfDbfgLsf ;|f]taf6 kl/jTo{ ljb]zL d'b|fdf vftf

vf]n]sf JolQm ljz]if afx]ssf lgsfox¿n] nufgL ug'{ kbf{ ;+rfns ;ldlt jf clVtof/

k|fKt JolQm÷lgsfosf] :jLs[lt cfjZos kg]{5 .

!#= o:tf] C0fkqdf Go"gtd cd]l/sL 8n/ !,))).– / ;f]sf] u'0fsdf nufgL ug{ kfOg] 5 .

!$= o:tf] C0fkq k|fylds jf bf];|f] ahf/df vl/b÷ljqmL ug'{kbf{ cfk\mg} vftfaf6 cfk\mg} gfddf dfq

vl/b÷ljqmL ug{ ;lsg]5 .

!%= :jLs[lt ;LdfeGbf a9L /sdsf] C0fkq hf/L ug{ kfOg] 5}g . cfXjfg ul/PeGbf a9L /sdsf] nflu

lgj]bg k|fKt ePdf lwtf]kq ;DaGwL k|rlnt sfg"g adf]lhd afF8kmfF8 ug'{ kg]{5 .

!^= dfly bkmf !@ df pNn]v ePsf] lgsfo tyf JolQm ljz]ifn] dfq vl/b÷ljqmL ug{ kfpg] u/L k|rlnt

Joj:yf adf]lhd o:tf] C0fkqsf] bf];|f] ahf/ sf/f]jf/ ug{ ;lsg] Joj:yf ldnfpg' kg]{5 .

!&= JolQmx¿n] vl/b u/]sf] C0fkq bf]>f] ahf/sf] ?kdf æsÆ ju{ tyf /fli6«o :t/sf ævÆ ju{sf a}+s

tyf ljQLo ;+:yfx¿nfO{ ljqmL ug{ ;Sg]5g\ .

!*= C0fkq lgisfzg ug{ :jLs[lt k|bfg ubf{ cGo cfjZos zt{x¿ tf]Sg ;lsg]5 . o;/L tf]lsPsf

zt{x¿ clgjfo{ ?kdf kfngf ug'{ kg]{5 .

!(= C0fkq lgisfzgsf] nflu ;DalGwt sDkgLn] k|rlnt sDkgL tyf lwtf]kq ;DaGwL sfg"gsf] k|s[of

k"/f u/L o; a}+ssf] ljb]zL ljlgdo Joj:yfkg ljefudf b]xfosf Joxf]/f v'Ng] sfuhft tyf

hfgsf/L ;lxt lgj]bg lbg' kg]{5 . k|fKt lgj]bg pk/ :jLs[t k|bfg ug]{÷gug]{ clwsf/ o; a}+sdf

/xg]5 .

-s_ ;+slnt ;|f]t nufgL ug]{ kl/of]hgfsf] ;+lIfKt ljj/0f tyf kl/of]hgf :jLs[t ug]{ lgsfoaf6

:jLs[t ePsf] s'n nfut

-v_ sDkgLsf] n]vfk/LIf0f ePsf] kl5Nnf] jf;nft nufotsf ljQLo ljj/0f

-u_ C0fkqsf] cjlw ;Ddsf] k|If]lkt (Projected) ljQLo ljj/0f

-3_ C0fkqsf] ;f+jf tyf Jofh kl/jTo{ ljb]zL d'b|fd} e'QmfgL ug{ ;Sg] Ifdtf v'Ng] ljj/0f

-ª_ kl/jTo{ ljb]zL d'b|f cfh{g x'g] k|df0f / kl/of]hgf tof/ ePkl5 C0fkqsf] e'QmfgL

cjlw;Dd jflif{s cfh{g x'g ;Sg] ljb]zL d'b|f /sdsf] cg'dflgt ljj/0f

-r_ ljb]zL d'b|f Joj:yfkg ;DaGwdf hf]vLd Joj:yfkgsf] nflu cjnDjg ul/Psf bkmf ^

adf]lhdsf] Joj:yf ;DaGwL ljj/0f

-5_ C0fkq hf/L x'g] cjlw, Aofhb/ tyf Aofh e'QmfgL cjlw

-h_ C0f e'QmfgL sf]ifsf] Joj:yf / ;~rfng ljlw

@)= ljBdfg Joj:yf adf]lhd cGo lgsfoaf6 lng' kg]{ :jLs[lt÷;xdlt ;DalGwt sDkgL :jod\n]

lng'kg]{5 .

193

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M@#÷@)&^

j}b]lzs nufgLsf] k|df0fkq, n]vfÍg tyf k"j{ ;~rfng vr{ nufgLdf u0fgf ;DaGwL Joj:yf

k|rlnt Joj:yf cGtu{t k|ToIf j}b]lzs nufgL -Foreign Direct Investment-FDI_ leq\ofpFbf hf/L ug{'kg]{

j}b]lzs nufgLsf] k|df0fkq, n]vfÍg / k"j{ ;~rfng vr{ nufgLdf u0fgf ug]{ k|s[of ;DaGwdf b]xfo

adf]lhdsf] Joj:yf ul/Psf]n] ;f]xL adf]lhd ug{' u/fpg'x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!(

-;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] Ohfhtkqk|fKt æsÆ ju{sf a}+s tyf /fli6«o

:t/sf ævÆ ju{sf ljsf; a}+sx¿nfO{ of] kl/kq hf/L ul/Psf] 5 . != ljb]zL nufgLstf{sf] nflu hf/L ul/g] k|df0fkq ;DaGwL Joj:yf M

-s_ g]kfn ;/sf/sf] :jLs[ltk|fKt ;+o'Qm nufgL jf ztk|ltzt ljb]zL nufgLdf vf]lng] pBf]ux¿df

ljb]zL nufgLstf{n] ug]{ z]o/ nufgL afkt lelqPsf] ljb]zL d'b|fsf] :ki6 clen]v /fVg

cfjZos ePsf] x'Fbf To:tf nufgLstf{x¿n] g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 ljb]zL

nufgL ug{ k|fKt u/]sf] :jLs[ltkq, g]kfn /fi6 a}+saf6 To:tf] nufgL afktsf] ljb]zL d'b|f

leq\ofpg k|fKt u/]sf] :jLs[lt kq, kmd{÷sDkgL÷pBf]u÷btf{sf] k|df0fkq, nufgLsf] ljj/0f

nufotsf ;DalGwt sfuhft ;lxtsf] lgj]bgsf cfwf/df ;DalGwt a}+sn] To:tf pBf]udf

nufgL :j?k lelqPsf] ljb]zL d'b|fsf] nflu ;+nUg cg';"rL @#=! adf]lhdsf] nufgLsf]

k|df0fkq hf/L ug{'kg]{5 . t/, pBf]u ljefudf btf{ x'g gkg]{ sDkgL / ;+:yfsf] xsdf eg] o;

a}+sn] k|bfg u/]sf] :jLs[lt nufotsf ;DalGwt sfuhft lnO{ To:tf] k|df0fkq hf/L ug{

;lsg]5 .

-v_ g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 :jLs[lt lnO{ kmd{÷sDkgL÷;+:yfn] leq\ofpg] ljb]zL

d'b|fsf] C0fsf] :ki6 clen]v /fVg cfjZos ePsf] x'Fbf To:tf C0f lng] kmd{÷sDkgL÷;+:yfn]

g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 ljb]zL d'b|fdf C0f lng k|fKt u/]sf] :jLs[ltkq, g]kfn

/fi6 a}+saf6 To:tf] C0f afktsf] ljb]zL d'b|f leq\ofpg k|fKt u/]sf] :jLs[lt kq,

kmd{÷sDkgL÷pBf]u btf{sf] k|df0fkq nufotsf ;DalGwt sfuhft ;lxtsf] lgj]bgsf

cfwf/df ;DalGwt a}+sn] To:tf C0f :j?k lelqPsf] ljb]zL d'b|fsf] nflu ;+nUg cg';"rL @#=@

adf]lhdsf] ljb]zL C0f lelqPsf] k|df0fkq hf/L ug{'kg]{5 . t/, pBf]u ljefudf btf{ x'g gkg]{

JolQm, kmd{, sDkgL / ;+:yfsf] xsdf eg] o; a}+sn] k|bfg u/]sf] :jLs[lt nufotsf ;DalGwt

sfuhft lnO{ To:tf] k|df0fkq hf/L ug{ ;lsg]5 .

-u_ nufgLsf] k|df0fkq hf/L ubf{ o:tf] k|df0fkq % k|lt tof/ u/L ;f]sf] klxnf] k|lt o; a}+snfO{,

bf]>f] k|lt g]kfn ;/sf/sf] ;DalGwt lgsfo -pBf]u ljefu÷nufgL af]8{ nufot_ nfO{, t]>f]

k|lt g]kfn ;/sf/, sDkgL /lhi6f/sf] sfof{nonfO{ rf}yf] k|lt ;DalGwt kmd{÷sDkgL÷

pBf]unfO{ pknAw u/fO{ kfFrf} k|lt ;DalGwt a}+s÷ljQLo ;+:yf :jod\n] clen]vsf] nflu /fVg'

kg]{5 .

o;}ul/, ljb]zL d'b|fsf] C0fsf] xsdf o:tf] k|df0fkq $ k|lt tof/ u/L ;f]sf] klxnf] k|lt o;

a}+snfO{, bf]>f] k|lt g]kfn ;/sf/sf] ;DalGwt lgsfo -pBf]u ljefu÷nufgL af]8{ nufot_ nfO{,

t]>f] k|lt ;DalGwt kmd{÷sDkgL÷pBf]unfO{ / rf}yf] k|lt ;DalGwt a}+s÷ljQLo ;+:yf :jod\n]

clen]vsf] nflu /fVg' kg]{5 .

194

-3_ o:tf] k|df0fkq ;DalGwt a}+ssf] s]Gb|Lo sfof{non] dfq hf/L ug{'kg]{5 . ;fy}, o; a}+snfO{

pknAw u/fOg] k|df0fkqsf ;fy ;DalGwt SWIFT Message, a}+s :6]6d]06 nufotsf k|df0f ;d]t

;+nUg u/L o; ljefudf k7fpg'kg]{5 .

a'Fbf g+= -s_ / -v_ adf]lhd ljb]zL d'b|f k|fKt ug]{ a}+s tyf ljb]zL d'b|fdf nufgL jf C0f k|fKt

ug]{ kmd{÷sDkgL÷;+:yfsf] vftf /x]sf] a}+s km/s k/]]df ljb]zL d'b|f k|fKt ug]{ a}+sn] ljb]zL

nufgL jf C0f k|fKt ug]{ kmd{ ÷sDkgL÷;+:yfsf] vftf /x]sf] a}+sdf h'g d'b|fdf ljb]zL nufgL

jf C0f jfktsf] /sdf k|fKt ePsf] xf] ;f]xL d'b|fdf g} /sdfGt/ ug'{kg]{5 . o;/L /sdfGt/

ubf{ ljb]zL nufgL jf C0f jfkt k|fKt ePsf] ljb]zL d'b|fdf s'g} k|sf/sf] z'Ns÷sld;g jf

lkm jfkt /sd s§f u/]sf] ePdf ;f] /sd ;d]t :ki6 ?kdf v'nfO{ /sdfGt/ ug'{kg]{5 .

-ª_ o; a}+saf6 :jLs[lt lnO{ ljb]zL nufgL tyf C0f afkt lelqPsf] ljb]zL d'b|fsf] k|rlnt

Joj:yf jdf]lhdsf sfuhft ;+nUg u/L o; ljefudf n]vfÍg u/fpg' kg]{5 . ljb]zL nufgLsf]

xsdf sDkgL /lhi6«f/sf] sfof{nodf z]o/ nut sfod u/L ;f] sfof{noaf6 k|dfl0ft z]o/wgL

btf{ lstfa ;d]t k]z ug{'kg]{5 .

-r_ plNnlvt k|s[of k"/f u/L n]vfÍgsf] nflu o; ljefudf lgj]bg k]z x'g cfPdf cfjZos

k|s[of k"/f u/L ljb]zL nufgLsf] xsdf ;+nUg cg';"rL @#=# adf]lhdsf] / ljb]zL C0fsf]

xsdf ;+nUg cg';"rL @#=$ adf]lhdsf] n]vfÍgsf] k|df0fkq pknAw u/fO{g]5 .

@= ztk|ltzt ljb]zL nufgLdf :yfkgf ePsf sDkgLsf] /lhi6«]zg z'Ns tyf k"j{;~rfng vr{ a}+lsË

Rofgn dfk{mt\ leq\ofO{ nufgL /sddf u0fgf ug{] ;DaGwdf .

g]kfndf zt\k|ltzt nufgLdf Joj;fo ;~rfng ug{ rfxg] ljb]zL nufgLstf{n] ;+:yf btf{ ug{

sDkgL /lhi6«f/sf] sfof{nodf a'emfpg'kg]{ /lhi6«]zg z'Ns tyf k"j{ ;~rfng vr{sf] nflu sDkgLsf]

r'Qmf k'FhLsf] ! k|ltzt;Dd /sd nufgLstf{ jf :yfgLo cflwsfl/s k|ltlglw÷Ph]06sf] gfpFdf

a}+lsË Rofgndfk{mt\ clu|d leq\ofpg kfpg] / ;f] /sd ;+:yf btf{ tyf ljb]zL nufgLsf] :jLs[lt eO{

nufgL lelqPkZrft\ n]vfk/LIfsaf6 vr{ k|dfl0ft ul/P adf]lhdsf] /sd ljb]zL nufgL /sddf

u0fgf ug{] Joj:yf ul/Psf] 5 . o;/L lelqPsf] /sdsf] nflu ;DalGwt a}+s tyf ljQLo ;+:yfn]

pQm pBf]u ljb]zL nufgLdf btf{ ePkl5 ljBdfg Joj:yf adf]lhd ;f] /sdsf] nflu klg ljb]zL

k'FhL nufgLsf] k|df0fkq hf/L ug{' kg]{ x'Fbf ;f]xL adf]lhd ug'{÷u/fpg' kg]{5 .

#= jfl0fHo a}+sx¿n] ljb]zL C0fsf] ;fFjf Jofh c;'nL tyf Default C0fLsf] C0f Joj:yfks eO{

Ph]G;L ;]jf k|bfg ug{ ;Sg] ;DaGwL Joj:yf M

ljb]zL nufgLstf{x¿n] g]kfnsf ljleGg pBf]u / kl/of]hgfx¿df C0f nufgL ubf{ To:tf] C0fsf]

;fFjf Jofh c;'nL tyf Default ePsf C0fLx¿sf] lwtf] lnnfdL ;Ddsf k|lqmof k"/f ug]{ u/L ;du|

C0f Joj:yfkgsf] nflu jfl0fHo a}+sx¿n] Ph]G6sf] ?kdf b]xfoadf]lhd x'g] u/L sfo{ ug{ ;Sg]5g\ .

!= ljb]zL d'b|fdf C0f k|fKt ug'{ cl3 k|rlnt Joj:yf adf]lhd ;DalGwt lgofds lgsfoaf6

:jLs[lt lnPsf] x'g' kg]{5 .

@= C0f leq\ofpg' k"j{ o; a}+ssf] :jLs[lt lng' kg]{5 .

#= o;/L :jLs[lt dfu ubf{ C0f Joj:yfkg, Escrow vftf Joj:yfkg tyf Custodian ;DaGwL

qLkIfLo ;Demf}tf klg k]z ug'{ kg]{5 . o; k|of]hgsf] nflu Joj:yfks eO{ sfo{ ubf{ lng]

lhDd]jf/Lx¿ / ;f] jfktsf] lng] sldzg tyf z'Ns klg ;Demf}tfdf pNn]v ug'{ kg]{5 .

$= ;DalGwt ljb]zL nufgLstf{, ljb]zL nufgL leq\ofpg] sDkgL jf ;+3÷;+:yf / jfl0fHo a}+s

;d]tn] qLkIfLo ;Demf}tf u/L s'g} Ps g]kfnL jfl0fHo a}+sn] Ph]06sf] ?kdf C0f Joj:yfkg,

Escrow vftf Joj:yfkg tyf Custodian sf] ¿kdf ;]jf lbg ;Sg]5g\ .

195

%= C0fsf] Aofh jf nufgL ljqmL jf kl/of]hgf ljqmL jf ;'/If0fdf lnPsf] ;DklQ ljqmL u/L ljb]zL

nufgLstf{sf] nflu /sd lkmtf{ k7fpg' kbf{ lgodfg';f/ o; a}+ssf] :jLs[lt lng' kg]{5 .

^= o;/L /sd k7fpg' kbf{ k|rlnt Joj:yf adf]lhd s/ lt/]sf] x'g' kg]{5 .

196

cg';"rL @#=!

-O=k|f=kl/kq ;+Vof @# sf] bkmf !-s_ sf] k|of]hgsf] nflu_

-ljb]zL nufgLstf{sf] nflu hf/L ul/g] k|df0fkq_

>L ==========================a}+s

============= zfvf

qm=;+= ldlt M


s]Gb|Lo sfof{no


k|ToIf j}b]lzs nufgL (FDI) zfvf .

g]kfndf :yfkgf x'g] pBf]udf ljb]zL nufgLstf{n] nufgL ug]{ k'FhL g]kfn leq\ofPsf] k|df0fkq

!= ljb]zL nufgLstf{n] nufgL ug]{ pBf]u÷sDkgLsf] gfd M

@= pBf]u÷sDkgL btf{ gDj/ M

#= ljb]zL nufgLstf{sf] gfd M

7]ufgf M

$= pBf]u÷sDkgLsf]

-s_ clws[t k'FhL M

-v_ r'Qmf k'FhL M

%= ljb]zL nufgLstf{n] nufgL ug]{

-s_ k'FhL /sd M

-v_ k|ltzt M

^= ljb]zL nufgLstf{n] a}+s÷ljQLo ;+:yfdf hDdf ug{ NofPsf] k'FhL ljj/0f

-s_ ljb]zL d'b|f / /sd M

-v_ g]kfnL ?k}ofFFdf x'g] /sd M

&= ljb]zL d'b|f hDdf ePsf]


-v_ ldlt M

*= ljb]zL nufgL afktsf] ljb]zL d'b|f leq\ofpg g]kfn /fi6 a}+saf6 :jLs[t ldlt M

(= ljb]zL nufgL ug{ g]kfn ;/sf/sf] ;DjGwLt lgsfoaf6 :jLs[t ldlt M

pko{'Qm adf]lhd ljb]zL d'b|f o; a}+s÷ljQLo ;+:yfdf hDdf ePsf] Joxf]/f k|dfl0ft ub{5'÷5f}F .

clVtof/ k|fKt clwsf/Lsf]


gfd M

kb M

a}+ssf] 5fk M

-------------------------------------------------------------------------------------------------

af]wfy{ M– != g]kfn ;/sf/, nufgL af]8{÷pBf]u ljefu

@= g]kfn ;/sf/, sDkgL /lhi6«f/sf] sfof{no

#= ;DalGwt kmd{÷sDkgL÷pBf]u

197

cg';"rL @#=@

-O=k|f=kl/kq ;+Vof @# sf] bkmf !-v_ sf] k|of]hgsf] nflu_

-ljb]zL d'b|fdf C0f lelqPsf] k|df0f_

>L ==========================a}+s

============= zfvf

qm=;+= ldlt M


s]Gb|Lo sfof{no


k|ToIf j}b]lzs nufgL (FDI) zfvf .

g]kfndf :yfkgf x'g] pBf]udf ljb]zL d'b|fdf C0f lelqPsf] k|df0fkq

!= ljb]zL d'b|fdf C0f k|fKt ug]{ pBf]u÷sDkgLsf] gfd M

@= pBf]u÷sDkgL btf{ gDj/ M

#= ljb]zL C0fbftfsf] gfd M

7]ufgf M

$= pBf]u÷sDkgLsf]

-s_ clws[t k'FhL M

-v_ r'Qmf k'FhL M

%= ljb]zL C0fbftfaf6 a}+s÷ljQLo ;+:yfdf hDdf ug{ NofPsf] C0f /sdsf] ljj/0f

-s_ ljb]zL d'b|f / /sd M

-v_ g]kfnL ?k}ofFFdf x'g] /sd M

^= ljb]zL d'b|f hDdf ePsf]


-v_ ldlt M

&=ljb]zL d'b|fsf] C0f lng g]kfn /fi6 a}+saf6 :jLs[t ldlt M

*=ljb]zL d'b|fsf] C0f lng g]kfn ;/sf/sf ;DjGwLt lgsfojf6 :jLs[t ldlt M

pko{'Qm adf]lhd ljb]zL d'b|fsf] C0f afktsf] /sd o; a}+s÷ljQLo ;+:yfdf hDdf ePsf] Joxf]/f k|dfl0ft

ub{5'÷5f}F .

clVtof/ k|fKt clwsf/Lsf]

gfd M

kbM

b:tvt M

a}+ssf] 5fkM

-------------------------------------------------------------------------------------------------

af]wfy{ M– != g]kfn ;/sf/, nufgL af]8{÷pBf]u ljefu

@= ;DalGwt kmd{÷sDkgL÷pBf]u

198

cg';"rL @#=#

-O=k|f=kl/kq ;+Vof @# sf] bkmf !-r_ sf] k|of]hgsf] nflu_

-ljb]zL nufgLsf] n]vfÍgsf] kq_

kq ;+VofM lj=cf= ============÷ ÷ ÷ r=g+= ldlt M

>L =======================================

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

ljifoM– ljb]zL nufgLsf] n]vfÍg .

dxfzo,

To; sDkgL÷pBf]udf nufgL ug]{ k|of]hgsf] nflu o; a}+ssf] k=;+==========================

=ldlt ==================== sf] kqaf6 b]xfosf ljb]zL nufgLstf{x¿af6 s'n ?= ====================== a/fa/sf]

ljb]zL d'b|f leq\ofpg :jLs[lt k|bfg ul/Psf]df ;f] /sddWo] xfn;Dd b]xfo jdf]lhdsf] nufgL leq\ofO{ z]o/

nut ;d]t sfod eO{;s]s]f b]lvPsf]n] tbg'?k o; a}+sdf ljb]zL nufgL n]vfÍg ul/Psf] Joxf]/f

lg0f{ofg';f/ hfgsf/L u/fpFb5' .

qm=;+= ljb]zL

nufgL

stf{sf]

gfd /

7]ufgf

o; cl3 n]vfÍg

ePsf] ljb]zL

nufgL

- ====b/sf]_

xfn n]vfÍg

ul/g] ljb]zL

nufgL

- ====b/sf]_

xfn;Dd n]vfÍg

ePsf] s'n nufgL

ljb]zL nufgL lelqPsf] ljj/0f

z]o/

;+Vof

/sd z]o/

;+Vof

/sd z]o/

;+Vof

/sd

?= ldlt÷

tfl/v a}+s

lj=d'= /sd

/sd ?=

eabLo

- =================== _ - ===================== _

;xfos lgb]{zs pk–lgb]{zs

199

cg';"rL @#=$

-O=k|f=kl/kq ;+Vof @# sf] bkmf !-r_ sf] k|of]hgsf] nflu_

-ljb]zL d'b|fsf] C0f n]vfÍgsf] kq_

kq;+VofM lj=cf===========÷ ========÷==== ldlt M r=g+=

>L ====================================

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

ljifoM– ljb]zL d'b|fsf] C0f n]vfÍg ul/Psf] .

dxfzo,

o; ljefusf] k=;+= lj=cf= ====================== ldlt ================== sf] kqaf6 txfFnfO{ b]xfo jdf]lhd

ljb]zL d'b|fdf C0f lng :jLs[tL k|bfg ul/Psf] /sd ========================= dWo] xfn;Dd b]xfo adf]lhdsf]

ljb]zL d'b|fsf] C0f leq\ofPsf] b]lvPsf]n] ;f] adf]lhd o; a}+sdf ljb]zL d'b|fsf] C0f n]vfÍg ul/Psf] Joxf]/f

lg0f{ofg';f/ hfgsf/L u/fpFb5' .

C0f n]vfÍgsf] ljj/0f

l;=g+

= C0f k|bfg ug]{

:jLs[t ljb]zL

d'b|fsf] C0f

/sd

-d'b|f =======_

o; cl3

n]vfÍg ePsf]

ljb]zL d'b|fsf]

C0f /sd

-d'b|f======_

xfn n]vfÍg

ul/g] ljb]zL

d'b|fsf] C0f /sd

-============d'b|f_

xfn;Dd n]vfÍg

ePsf] ljb]zL

d'b|fsf] s'n

C0f /sd

-=========d'b|f_

C0f /sd g]kfn lelqPsf] ljj/0f

ldlt÷tfl/v a}+s

lj=d'= /sd

eabLo

- _

pk–lgb]{zs

200

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M@$÷@)&^

ljb]zL d'b|f sf/f]jf/sf] Ohfht ;DaGwL Joj:yf

ef/tLo ?k}ofFF tyf kl/jTo ljb]zL d'b|f sf/f]jf/nfO{ Jojl:yt agfpg] p2]Zon] o:tf] sf/f]jf/ ug{

Ohfhtkq lbg] ;Gbe{df b]xfo adf]lhdsf] Joj:yf ul/Psf] x'Fbf ;f]xL adf]lhd ug{ u/fpg ljb]zL ljlgdo

-lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] of] kl/kq hf/L

ul/Psf] 5 .

!= ef/tLo ?k}ofFF vl/b ug]{ Ohfht JolQmnfO{ k|bfg gul/g] M

ef/tLo ?k}ofFFsf] vl/b / ljqmL sf/f]jf/nfO{ Jojl:yt agfpg] p2]Zon] o:tf] sf/f]jf/ ug{ Ohfhtkq

lbg] Joj:yfsf] ;Gbe{df k|rlnt Joj:yfsf] cltl/Qm tn plNnlvt Aoj:yf sfod ul/Psf] 5 .

-s_ JolQmsf] nflu ca pk|fGt Ohfhtkq k|bfg ul/g] 5}g .

-v_ o; cl3 Ohfhtkq lnO{ sfo{ ul//x]sf JolQmut Ohfhtkq wf/sx¿sf] xsdf cfufdL

@)&$ cfiff9 d;fGtleq sDkgLdf btf{ eO{;Sg' kg]{5 .

-u_ Ohfhtkq kfO;s]sf JolQmx¿sf] xsdf lgDglnlvt zt{x¿sf] clwgdf /lx sfo{ ug{'kg]{5

. o:tf] Ohfhtkq gjLs/0f ug{ cfpFbf k|rlnt Joj:yf cg';f/ gjLs/0f ug{ ;lsg]5 .

o;/L Ohfhtkqk|fKt JolQmx¿n] lgDg adf]lhdsf] zt{x¿sf] cwLgdf /xL sfo{ ug{'kg]{5 .

-!_ Ohfhtkqk|fKt JolQmn] ;j{;fwf/0f;Fu ef/tLo ?k}ofF dfq vl/b÷ljqmL ug{

kfOg]5 . ef/tLo ?k}Fof -sDtLdf ! nfv / ?= !) xhf/n] efu hfg] ;f] eGbf a9L

/sd_ cfk"mnfO{ kfos kg]{ g]kfn /fi6« a}+ssf sfof{nox¿df jf o; a}+ssf] ef=?=

sf]if /x]sf a}+ssf zfvfx¿df hDdf ug'{kg]{5 . k|rlnt vl/b b/n] x'g cfpg] /sd

;DalGwt JolQmnfO{ tTsfn} pknJw u/fOg]5 .

-@_ o;/L ;6xL ug{ NofPsf] /sdsf] cfwf/df Ohfhtkq kfPsf cGo lgsfox¿nfO{

o; a}+sn] k|bfg ub}{ cfPsf] -k|lt ef=?= !)) df & !

÷@ k};fsf b/n]_ O=k|f=

sld;g k|To]s dlxgfsf] cGTodf Psd'i6 k|bfg ul/g]5 .

-#_ ef/tLo ?k}Fof vl/b ug{ cfjZos g]kfnL ?k}Fofsf] Joj:yf tyf ;6xLsf] nflu

a}+s;Dd n}hfg] Joj:yf JolQm :jo+n] g} ug'{kg]{5 .

-$_ pko{'Qm zt{x¿ / ljb]zL ljlgdo lgoldt ug]{ P]gsf] pNn+3g x'g] u/L s'g}

lsl;dsf] sf/f]jf/ u/]sf] kfOPdf h'g;'s} avt klg Ohfhtkq /2 ug{ ;lsg]5 .

@= a}+s tyf ljQLo ;+:yf, ljk|]if0f sDkgL / dlgr]~h/ sDkgLsf] Ohfht ;DaGwL Joj:yf M

-s_ ljk|]ifs tyf dlgr]~h/ / cGo ;+:yfsf] ?kdf sfd ug]{]{ JolQm, kmd{,sDkgL jf ;+:yfsf]

k|of]hgsf] nflu Ohfhtkq k|bfg ug]{ sfo{ljlw, kF"hL ;DaGwL Joj:yf, sfd, st{Jo tyf

lg/LIf0f nufot cGo ljifox¿ ljk|]if0f ljlgodfjnL, @)^&, Ohfhtkq tyf lg/LIf0f

ljlgodfjnL, @)^& / dlgr]~h/ ljlgodfjnL, @)^& df pNn]v eP adf]lhd x'g]5 .

-v_ a}+s tyf ljQLo ;+:yf, ljk|]if0f sDkgL / dlgr]~h/sf] Ohfhtkqsf] cjwL s|d;M a9Ldf %,

! / ! jif{ x'g]5 . Ohfht tyf lg/LIf0f ljlgodfjnL cGtu{t Ohfht kfpg] ljleGg

lgsfox¿sf] xsdf ;f]xL ljlgodfjnL adf]lhd x'g]5 .

201

#= Sofl;gf]sf] Ohfht, sf/f]jf/, l/kf]l6{ª, vftf ;~rfng, /sd 6«fG;km/ nufotsf] Joj:yf ;DaGwdfM

-s_ ;a} Sofl;gf]x¿n] sf/f]af/ ;~rfng ug{'k"j{ o; a}+saf6 ljb]zL ljlgdo sf/f]af/ ;DaGwdf

Ohfht lng'kg]{5 . Ohfhtsf] nflu cfj]bg lbFbf cg';"rL @$=( adf]lhdsf] sfuhft k]z

ug{' kg]{5 .

-v_ o; Joj:yf cg'';f/ Sofl;gf]n] cfkm\gf] sf/f]af/ a+}lsË k|0ffnL k|of]u u/L ;Dkfbg ug{' kg]{5

.

-u_ v]nf8Laf6 Sofl;gf] v]nsf] nflu cfjZos /sd cd]l/sL 8n/ %,))) -kfFr xhf/_ jf ;f]

a/fa/sf] kl/jTo{ ljb]zL d'b|f gub} lng ;lsg]5 . ;f]eGbf a9L /sdsf] xsdf eG;f/

3f]if0ff u/L k|dfl0ft u/]sf] x'g'kg]{5 jf a}+lsË k|0ffnLdfkm{t /sd k|fKt u/]sf] x'g''kg]{5 .

;fy}, Ohfhtkqk|fKt Sofl;gf]x¿n] a}+s tyf ljQLo ;+:yfx¿;Fu cfjZos ;Demf}tf u/L

Sofl;gf] v]nf8L;Fu Point of sale (POS) dfkm{t ljb]zL d'b|f k|fKt ug{ ;Sg]5g\ .

-3_ Sofl;gf]n] v]nf8Laf6 a}+sdf /sd hDdf x'Fbf tyf gub} a'lemlnFbf cg';"rL @$=!

adf]lhdsf] /l;b hf/L ug{' kg]{5 .

-ª_ Sofl;gf] sf/f]af/df k|fKt x''g] gub ljb]zL d'b|fx¿ ef]lnkN6;Dd cfˆgf] vftf /x]sf] a}+sdf

hDdf ul/;Sg' kg]{5 .

-r_ ef/taf6 Sofl;gf] v]Ng cfpg] ef/tLox¿af6 k|fKt x''g] ef/tLo d'b|fsf] 5''§} vftf vf]Ng''

kg]{5 . ;f] vftfdf a}+lsª Rofgndfkm{t k|fKt x''g] ef/tLo d''b|f hDdf ug{'kg]{ / v]nf8Ln]

afhL lht]sf] xsdf ;f]xL vftfaf6 a}+lsË Rofgn k|of]u u/L e'''QmfgL lbg] Joj:yf ug{'kg]{5 .

o;/L e''QmfgL lbFbf Sofl;gf] lgodfjnL, @)&) sf] lgod @! cg'';f/ v]nf8Ln] Ps k6sdf

v]Ng ;Sg] clwstd afhLsf] ;Ldf -a]6 lnld6_ leq /xL To;} u/L lgod @@ df v]nf8Ln]

v]n v]Ngsf] nflu vl/b ug{ ;Sg] SjfOg jf lrK;sf] clwstd ;ª\Vof tyf d'Nosf] ;Ldf

leq /xL sf/f]af/ ug{' kg]{5 .

-5_ v]nf8Lsf] /sd a}+sdf hDdf u/]sf] ef}r/÷l:nk÷l:jˆ6sf] cflwsfl/s sfuhft sfp06/df

k]z u/]kl5 v]nf8LnfO{ ;f] cg'';f/sf] gDa/ pNn]v ePsf] SjfOg÷lrK; k|bfg ug{'kg]{5 .

Sofl;gf]n] SjfOg÷lrK; ljt/0f ug'{ cufl8 /sd, ;do, ljlgdob/, Sofl;gf]df k|j]z u/]sf]

;do / SjfOg÷lrK; gDa/ ;d]t pNn]v ePsf] /l;b hf/L ug{' kg]{5 .

-h_ s'g /l;b jfkt SjfOg÷lrK; ljt/0f u/]sf] xf] < ;f] olsg x'g] u/L ljt/0f ug{' kg]{5 .

-em_ SjfOg÷lrK; lkmtf{ ePkl5 pQm SjfOg s'g /l;bjfkt hf/L ul/Psf] xf]] olsg ug]{ / ;f]xL

/l;bsf] Reference sf] cfwf/df lht]sf] /sd lkmtf{ e'StfgL lbg' kg]{5 .

-`_ Sofl;gf]sf] ef/tLo d''b|f vftfdf ef=?= !),)),)),)))÷– -b; s/f]8_ tyf kl/jTo{ ljb]zL

d'b|f vftfdf cd]l/sL 8n/ @),)),)))÷– -aL; nfv_ ;Dd clwstd df}Hbft /fVg

;Sg]5g\ . ;f]eGbf a9L /sd hDdf ePkl5 g]kfnL d''b|f vftfdf /sdfGt/ ug{'kg]{5 tyf

lht]sf] /sd oxL df}Hbftaf6 k7fpg'' kg]{5 .

-6_ o; k|of]hgsf] nflu ;DalGwt Sofl;gf]x¿n] o; a}+saf6 Ohfhtkq lnO{ ;f]xL cfwf/df

a}+s tyf ljQLo ;+:yfdf kl/jTo{ ljb]zL d'b|f tyf ef/tLo d'b|fdf vftf vf]Ng ;Sg]5g\ .

o; a}+snfO{ To:tf] vftfsf] ;DaGwdf hfgsf/L u/fO{ ;f]xL vftfaf6 sf/f]af/ ug{' kg]{5 .

-7_ h''g v]nf8Lsf] gfdaf6 /sd a}+sdf hDdf ePsf] 5, ;f]xL v]nf8LnfO{ dfq v]nfpg kfO{g] 5

tyf ;Ldf leq /xL v]nf8Ln] lht]sf] xsdf h''g b]zsf] a}+s, vftf tyf gfdaf6 /sd g]kfn

cfPsf] xf] ;f]xL a}+s, vftf tyf gfddf dfq /sd k7fpg ;lsg]5 . v]nf8Ln] Sofl;gf]

v]nsf] nflu gub} hDdf u/]sf] /sd / lht]sf] /sd cd]l/sL 8n/ %))) ;Dd gub}

e'StfgL ug{ ;lsg]5 .

-8_ v]nf8Ln] afhL lht]sf] xsdf ;f]xL vftfaf6 a}+lsË Rofgn k|of]u u/L e'''QmfgL lbg' kg]{5 .

202

-9_ Sofl;gf]sf] d''gfkmf÷cfh{gsf] cfwf/df o; a}+sn] ;do ;dodf tf]s]sf] ;Ldf;Ddsf] /sd

dfq a}+lsË Rofgn k|of]u u/L e''QmfgL lbg kfpg] 5 . To:tf] lht]sf] /sddf lgod cg'';f/

s/ lt/L ef/tLo d'b|fsf] xsdf sDkgLsf] vftfdf /sd eP;Dd ljefun] tf]s] adf]lhd

ef=?= #),)),)))÷– -tL; nfv_ sf] ;Ldf;Dd tyf cd]l/sL 8n/sf] xsdf !),)))÷– -

b; xhf/_ ;Dd ;f]em} cfˆgf] vftf ePsf] a}+sdfkm{t k7fpg ;lsg] / ;f]eGbf a9L /sd

ePdf o; a}+ssf] :jLs[lt lng'' kg]{5 .

-0f_ v08 -9_ adf]lhdsf] /sd b]xfo adf]lhdsf] sfuhft k]; u/L a}+s dfkm{t e'QmfgL k7fpg

;lsg]5M

v]nf8Ln] /sd gub} a'emfPsf] eP cg';"rL @$=! adf]lhdsf] gub a'lemlnPsf]

/l;bsf] k|ltlnlk,

v]nf8Ln] a}+sdfkm{t /sd hDdf u/]sf] eP ;f] ;DaGwL sfuhft,

t];|f] d'n'ssf] gful/ssf] xsdf /fxbfgLsf] k|ltlnlk / ef/tLo gful/ssf] xsdf

/fxbfgL jf ef/tLo gful/s ePsf] kl/ro v'Ng] ef/t ;/sf/åf/f hf/L sfuhft,

lht]sf] /sdsf] xsdf lgodfg';f/ s/ lt/]sf] k|df0f .

-t_ v]nf8Ln] /sd lht]sf] xsdf lgodfg'';f/ g]kfn ;/sf/nfO{ a''emfpg'' kg]{ lht]sf] /sddf

nfUg] s/ a''emfPsf] k|df0f k]; u/]kl5 dfq ;Ldfleq /xL a}+sdfkm{t e''QmfgL k7fpg'' kg]{5 .

-y_ ;DklQ z'4Ls/0f tyf cftÍjfbL sfo{df nufgL ug]{ sfo{ lgjf/0f ug]{ ;DaGwdf k|rlnt

sfg'g tyf o; a}+saf6 hf/L lgb]{zgsf] kfngf ug{' kg]{5 .

-b_ ;+:yfsf] sf/f]af/ sfg'g adf]lhd jflif{s ?kdf n]vfk/LIf0f u/fO{ Ohfht gjLs/0f ubf{sf

avt ;f]sf] k|ltlnlk o; a}+sdf k]; ug{' kg]{5 .

-w_ g]kfn /fi6« a}+s ljb]zL ljlgdo sf/f]jf/ Ohfhtkq tyf lg/LIf0f ljlgodfjnL, @)^& df

ePsf] Joj:yf adf]lhd Uof/]06L÷a}+s Uof/]06L / tf]lsP adf]lhd Psd'i7 z'Ns lnO{ o;

a}+ssf] ljb]zL ljlgdo Joj:yfkg ljefuaf6 ! jif{sf] nflu ljb]zL d'b|f sf/f]jf/ ug{

Ohfht k|bfg ug{ ;lsg]5 .

-g_ Sofl;gf]sf] ljb]zL d'b|fsf] sf/f]af/ / Joj:yf ;DaGwdf a}+sn] h'g;'s} avt :ynut /

u}/:ynut lg/LIf0f ug{ ;Sg]5 .

-k_ cGo Joj:yfsf] xsdf g]kfn /fi6« a}+s ljb]zL ljlgdo sf/f]jf/ Ohfhtkq tyf lg/LIf0f

ljlgodfjnL, @)^& adf]lhd x'g]5 .

-km_ cg';"rL @$=@ b]lv @$=* ;Ddsf ljj/0fx¿ dfl;s ?kdf o; a}+sdf Reporting ug{'

kg]{5 .

-$_ Sofl;gfx¿n] online gaming sf] nflu a}+lsË k|0ffnLsf] k|of]u ug{] ;DaGwdf M

g]kfn ;/sf/ ;+:s[lt, ko{6g tyf gful/s p8\8og dGqfno, ko{6g ljefuaf6 :jLs[t v]nx¿

Sofl;gf]n] v]nfpg] ;DaGwdf lgofds lgsfo ko{6g ljefuaf6 :jLs[t SOP (Standard of

Operation Procedures) df pNn]v ePsf u]dx¿ v]nfpg] k|of]hgsf] nflu o; ljefuaf6 :jLs[lt

lnO{ a}+lsË k|0ffnL dfkm{t online dfWodaf6 /sd k|fKt u/L :jLs[t ePsf To:tf online gaming

v]n v]nfpg /sd k|fKt ug]{ / ljßdfg Joj:yf adf]lhd vr{ Pj+ transfer ug{ ;lsg] Joj:yf

ePsf]n] ;f]xL cg'?k ug{ u/fpg of] kl/kq hf/L ul/Psf] 5 .

203

cg';"rL @$=!

-kl/kq ;ª\Vof @$ sf] bkmf # sf] v08 -3_ sf] k|of]hgsf] nflu_

Sofl;gf] v]nf8L;Fu gub} ljb]zL d'b|f :jLsf/ ubf{ hf/L ug]{ /l;bsf] gd"gf

(Name and Address of Company)

FOREIGN EXCHANGE RECEIPT

Receipt No.: DATE: …………………

We hereby certify that, we have received today foreign currency (Cash÷Bank) as mentioned below

from Mr/Mrs/Miss ………………………………….…… Passport No.: …………………………….

Nationality…………………............ Home Address………………………………………………….

Currency

Amount

Rate

………….

Authorized Companies'

Name, address,

Stamp and

Signature

Total Rs.

Foreign Currency in Words _________________________________________________

________________________________________________________________________

Customer's Signature: Local Address: ………………………

204

cg';"rL @$=@

-kl/kq ;ª\Vof @$ sf] bkmf # sf] v08 -w_ sf] k|of]hgsf] nflu_

v]nf8Laf6 ljb]zL d'b|f :jLsf/ u/]sf] dfl;s ljj/0f

(NAME AND ADDRESS OF THE COMPANY)

Statement of Receipt

For the Month of ……………………..

S.No. Name of Person

Currency

Amount in USD/INR

Exchange Rate

Amount in Rs.

Total

Authorised Signature:

Name:

Designation:

Date:

205

cg';"rL @$=#


v]nf8LnfO{ e'QmfgL u/]sf] /sdsf] dfl;s ljj/0f


Statement of Payment


S.No. Name of Person

Currency

Amount in USD/INR Amount in Rs.

Amount

Total


Name:

Designation:

Date:

206

cg';"rL @$=$


a}+sdf hDdf ePsf] /sdsf] dfl;s ljj/0f


Statement of Bank Deposited Amount


Date Name of the

Bank

Currency

Amount in USD/INR

Exchange Rate

Amount in Rs.

Number Of

Transactions Amount

Total


Name:

Designation:

Date:

207

cg';"rL @$=%


k|fKt ePsf], lht]sf] tyf xf/]sf] kl/jTo{ ljb]zL d'b|fsf] dfl;s ljj/0f




S.N. Name of Person Currency

Amount in USD

Exchange Rate

Amount in Rs.

Received Won lost Balance

Total


Name:

Designation:

Date:

208

cg';"rL @$=^


k|fKt ePsf], lht]sf] tyf xf/]sf] ef/tLo d'b|fsf] dfl;s ljj/0f




S.N. Name of Person

Amount in INR

Exchange Rate

Amount in Rs.

Received Won lost Balance

Total


Name:

Designation:

Date:

209

cg';"rL @$=&


k|fKt ePsf], lht]sf] tyf xf/]sf] kl/jTo{ ljb]zL d'b|fsf] dfl;s ljj/0f




Amount in USD

SS.N

Date Currency

Previous Balance Received Payment Balance Exchange

Rate

Amount in Rs.

Cash

BBank

cCash

BBank

Cash Bank Cash Bank

Total


Name:

Designation:

Date:

210

cg';"rL @$=*


k|fKt ePsf], lht]sf] tyf xf/]sf] ef/tLo d'b|fsf] dfl;s ljj/0f


Summary of Daily Transactions


Amount in INR

SS.N

Date Currency

Previous Balance Received Payment Balance Exchange

Rate

Amount in Rs.

Cash

BBank

cCash

BBank

Cash Bank Cash Bank

Total


Name:

Designation:

Date:

211

cg';"rL @$=(

-kl/kq ;ª\Vof @$ sf] bkmf # sf] v08 -s_ sf] k|of]hgsf] nflu_

Sofl;gf]n] Ohfhtkq lng k]; ug'{ kg]{ sfuhftx¿

!= sDkgL /lhi6«f/sf] sfof{nodf sDkgL btf{ ePsf] k|df0fkqsf] k|dfl0ft k|ltlnlk .

@= cfos/ btf{ k|df0fkqsf] k|dfl0ft k|ltlnlk .

#= pBf]u btf{ ePsf] k|df0fkqsf] k|dfl0ft k|ltlnlk .

$= g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 hf/L Ohfhtkqsf] k|dfl0ft k|ltlnlk .

%= g]kfn ;/sf/sf] ;DalGwt dGqfno÷ljefu÷sfof{nosf] ljb]zL d'b|f sf/f]af/ ug]{ l;kmfl/;kqsf]

;Ssnk|lt .

^= Sofl;gf] b:t'/ jfkt g]kfn /fi6« a}+s, yfkfynLl:yt vftf g+= !@)))))–)#)–)!@–%@$ df ?=

@,))).– bflvnf u/]sf] ;Ssn ef}r/ .

&= k'/f 7]ufgf / Kofg g+= ;lxtsf] 6\ofS; OGEjfO;, Foreign Exchange Receipt sf] klxnf] gDa/sf] b'O{

k|lt ;Ssn jf Computer Generated OGEjfO;÷l/l;K6 dfkm{t sf/f]af/ x'g] ePdf ;f] af/]df s/

sfof{nosf] :jLs[t kq;lxt gd"gf k|lt .

*= k|rlnt 3/ef8f P]g cg'?k ePsf] 3/ef8fsf] ;Demf}tfsf] k|dfl0ft k|ltlnlk . -3/wgLsf] tLg k':t] /

gful/stfsf] k|ltlnlk clgjfo{÷;+:yfsf] xsdf sDkgL btf{ k|df0fkqsf] k|ltlnlk tyf s/r'Qmf

k|df0fkqsf] k|ltlnlk_

(= sDkgLsf] k|aGwkq / lgodfjnLsf] k|dfl0ft k|ltlnlk .

!)= k|f]k|fO6/÷;fe]mbf/÷c+lzof/x¿sf] kmf]6f] .

!!= k|f]k|fO6/÷;fe]mbf/÷c+lzof/x¿sf] gful/stfsf] k|dfl0ft k|ltlnlk .

!@= sfof{no /x]sf] :yfgsf] gS;f .

!#= shf{ ;"rgf s]Gb|af6 k|f]kfO6/÷;fe]mbf/÷c+lzof/x¿ sfnf] ;"rLdf ;dfj]z gePsf] ;Ssn kq .

!$= 3/ jxfn s/ lt/]sf] lg:;fsf] k|dfl0ft k|ltlnlk .

!%= g]kfn /fi6« a}+s ljb]zL ljlgdo sf/f]jf/ Ohfhtkq tyf lg/LIf0f ljlgodfjnL, @)^& df ePsf]

Joj:yf adf]lhd sDtLdf b'O{ jif{ Dofb ePsf]] ljQLo hdfgtkq÷a}+s Uof/]06L .

!^= ;~rfnsx¿sf] JolQmut ljj/0f (Bio-Data) .

!&= sDtLdf @ hgf sd{rf/Lx¿sf] JolQmut ljj/0f .

!*= o; a}+saf6 Ohfhtkq k|fKt ug'{ cl3 Anti-Money Laundering (AML) and Combating the Financing of

Terrorism (CFT) ;DaGwL k|fjwfg tyf g]kfn /fi6« a}+saf6 hf/L ePsf ljlgodfjnL adf]lhdsf] ljj/0f

a'emfpg' kg]{ Joj:yfsf] kfngf tyf k|rlnt lgod, sfg'g tyf P]gx¿åf/f ul/Psf cGo Joj:yf /

ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf Joj:yfx¿sf] k"0f{ kfngf ePsf] :j3f]if0ff kq

(Declaration Letter) a'emfpg' kg]{5 .

!(= g]kfn /fi6« a}+s ljb]zL ljlgdo sf/f]jf/ Ohfhtkq tyf lg/LIf0f ljlgodfjnL, @)^& sf] ljlgod $

sf] pkljlgod -@_ ;Fu ;DalGwt cg';"rL–! adf]lhdsf] lgj]bg .

@)= Sofl;gf]sf] u|fxs klxrfg gLlt (KYC Ploicy) sf] k|dfl0ft k|ltlnlk .

@!= Sofl;gf]df gub sf/f]af/ ;DaGwL Procedure Manual sf] k|dfl0ft k|ltlnlk .

212

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M@%÷@)&^

ljk|]if0f sf/f]jf/ ;DaGwL Joj:yf

ljb]zaf6 k|fKt x'g] kl/jTo{ ljb]zL d'b|fsf] ljk|]if0f ;DaGwdf b]xfo adf]lhd x'g] u/L Joj:yf ul/Psf] x'Fbf

;f]xL adf]lhd ug'{÷u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n]

lbPsf] clwsf/ k|of]u u/L] g]kfn /fi6 a}+s a}+lsË sfof{no nufot ;j} sfof{no, Ohfhtkqk|fKt æsÆ /

/fli6«o:t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿, Ohfhtkq k|fKt ljk]|if0f sDkgLx¿nfO{ of] kl/kq hf/L

ul/Psf] 5 .

!= g]kfn ;/sf/sf] gfddf k|fKt x'g] kl/jTo{ ljb]zL d'b|f ljk|]if0f ;DaGwL Joj:yf M

ljb]zaf6 g]kfn ;/sf/sf] gfddf k|fKt x'g] kl/jTo{ ljb]zL d'b|fsf] ljk|]if0f ;DaGwdf b]xfo adf]lhd

Joj:yf ul/Psf] 5 M

-s_ g]kfn ;/sf/ Pjd\ cGo s'g} lgsfosf] o; a}+sdf /x]sf] vftfdf hDdf x'g cfPdf / g]kfnL

?k}ofFF pNn]v u/L ljb]zaf6 /]ld6]G; k|fKt x'g cfPdf Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yf

/ ljk|]if0f sDkgLn] To:tf] /]ld6fG; :jLsf/ ug{ ldNg] 5}g .

-v_ ljz]if sf/0fjz dfly bkmf !-s_ df pNn]v eP cg';f/sf] s'g} /]ld6]G; kl/jTo{ ljb]zL

d'b|fdf cfPsf] 5 eg] :jLsf/ ug{ ;lsg] 5 t/ o; a}+sdf /sdfGt/ ubf{ k|fKt ePsf]

kl/jTo{ ljb]zL d'b|fdf g} ;f] /sd /sdfGt/ ug'{kg]{ 5 .

@ Workers' Remittance sf] tYof° ;DaGwdf .

/f]huf/Lsf] nflu ljb]z hfg] g]kfnL gful/sx¿n] k7fPsf] /]ld6\ofG;sf] ;DaGwdf To:tf] /sdsf]

dfl;s ljj/0f b]zut / ;+:yfut ?kdf b]xfo cg'?k ;+nUg cg';"rL @%=! / @%=@ adf]lhd o;

ljefudf k7fpg'kg]{5 .

-s_ a}+s tyf ljQLo ;+:yfx¿ cfk}mn] jf cfk'måf/f lgo'Qm Ph]G6÷;j Ph]G6dfk{mt e'QmfgL x'g]

u/L k|fKt ePsf] ljb]zL d'b|f /sdsf] ljj/0f

-v_ g]kfn /fi6« a}+saf6 Ohfht k|fKt u/L /]ld6\ofG;sf] sfo{ ug]{ kmd{÷sDkgLx¿ cfk}mn] jf

cfk'måf/f lgo'Qm Ph]G6dfk{mt e'QmfgL x'g] u/L k|fKt ljb]zL d'b|f /sdsf] ljj/0f .

-u_ pko{'Qmfg';f/sf] tYof° ljj/0f k|To]s dlxgf ;dfKt ePsf] !% -kGw|_ lbgleq clgjfo{

?kdf k]z ug'{ kg]{5 .

#= ljk|]ifs ;+:yfn] ;6xL u/]sf] kl/jTo{ ljb]zL d'b|f vl/b ug]{ ;DaGwL Joj:yf M

ljk|]ifs ;+:yfn] ljk|]if0f sf/f]af/ afkt k|fKt u/]sf] kl/jTo{ ljb]zL d'b|f o; a}+ssf] a}lÍu+ sfof{non]

vl/b u/L a'emLlng] Joj:yf ul/Psf] 5 .

$= ljk|]if0fsf] sf/f]jf/nfO{ Jojl:yt ug]{ ;DaGwL Joj:yf M

o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx¿n] ub}{ cfO/x]sf] ljk|]if0fsf] sf/f]jf/nfO{

Jojl:yt ug]{ ;DaGwdf b]xfo adf]lhdsf] Joj:yf ul/Psf] ul/Psf] 5 .

-s_ ljk|]if0f sf/f]jf/ ug]{ æsÆ / /fli6«o :t/sf ævÆ ju{sf ljsf; a}+ssf s]Gb|Lo sfof{non]

ljk|]if0f sf/f]jf/ ug{sf nflu ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf # adf]lhd

g]kfn /fi6« a}+s, ljb]zL ljlgdo Joj:yfkg ljefuaf6 ;f] sfo{ ug{ Ohfhtkq lng' kg]{5 .

213

-v_ a}+sn] ljk|]if0f sf/f]jf/ ug]{ :jLs[ltsf nflu b]xfo adf]lhdsf zt{x¿ k"/f u/L o;} ;fy

;+nUg cg';"rL @%=# sf] 9fFrfdf o; ljefudf lgj]bg lbg' kg]{5 .

-!_ a}+sn] ljk|]if0f sfo{sf nflu ljb]z l:yt a}+s, sDkgL jf ;+:yf;Fusf] ;Demf}tf u/L

o; a}+saf6 :jLs[t u/fpg' kg]{5 .

-@_ ljk|]if0f sf/f]jf/nfO{ lgoGq0f, ;'kl/j]If0f tyf lg/LIf0f ug{sf nflu a}+s cfk}mn]

sfo{ljlw th'{df u/L nfu' ug'{kg]{ / o;/L nfu' u/]sf] sfo{ljlwsf] Ps k|lt o;

ljefudf k]z ug'{kg]{5 .

-#_ ljk|]if0f cfk|jfx u/]sf] /sd ljt/0f ubf{ a}+sdf /sd k|fKt eO ;s]kl5 dfq

e'QmfgL lbg' kg]{5 cyf{t Pre-Payment ug{ kfOg] 5}g . t/ ljb]zL a}+ssf] a}+s

Uof/]06L k|fKt ePsf] cj:yfdf ;f] ;Ldfn] vfDg] /sd ;Dd / g]kfn /fi6« a}+s

ljk]|if0f ljlgodfjnL @)^& sf] Joj:yf adf]lhd Pre-Payment ug{ ;lsg] 5 .

-$_ a}+sn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0fsf ;DaGwdf

hf/L ul/Psf lgb]{zgsf] kfngf ug{ KYC/AML/CFT ;DaGwL cfˆgf] 5'§} sfo{ljlw

tof/ u/L nfu' ug'{kg]{5 .

-%_ a}+sn] ljb]zL /]ld6fG; sDkgLaf6 clu|d e'QmfgLsf] ?kdf /sd k|fKt u/]sf] ePdf

;f] /sd a}ls+Ë k|0ffnL dfkm{t kl/jTo{ ljb]zL d'b|fdf g} g]kfndf Nofpg' kg]{5 .

-^_ ljk|]if0f cfk|jfxsf nflu ljb]zL sDkgL;Fu ul/Psf] ;Demf}tf gjLs/0f, ;+zf]wg

tyf yk ug{'k/]df o; ljefusf] :jLs[lt lng' kg]{5 .

-&_ a}+sn] cfkm"n] kfpg] sld;g ljb]zL d'b|fdf g} k|fKt ug'{kg]{5 .

-*_ ljk|]if0f cfk|jfxaf6 k|fKt u/]sf] ljb]zL d'b|f ;DklQ z'4Ls/0f -dlgnfp08l/Ë_

k|of]hgsf nflu /]ld6 gePsf] s'/fdf osLg ug'{ kg]{5 .

-(_ ljk|]if0f sf/f]jf/ ug]{ a}+ssf] s]Gb|Lo sfof{nonfO{ Ohfhtkq k|bfg ul/g]5 . x/]s

zfvf sfof{non] o:tf] ljk|]if0f sf/f]jf/ ug]{ Ohfhtkq lng'kg]{ 5}g .

-u_ ljk]|if0fsf] ljlgdo b/ ;DaGwdf M

a}+s tyf ljQLo ;+:yf / /]ld6fG; sDkgLx¿n] ljk|]if0fsf nflu k|of]u ug]{ ljlgdob/sf]

;DaGwdf a}+sx¿n] Documents (Others) k|of]hgsf nflu lgwf{/0f u/]sf] ljlgdob/af6

km]8fg ( )lapeN fo noitaicossA srelaeD egnahcxE ngieroF dfkm{t cf};t vl/b b/ to u/L

k|To]s lbg ljxfg !) jh] / lbgsf] @ ah] /]ld6fG; ljlgdo b/sf] ?kdf k|sflzt ug{'

kg]{5 . ;f] b/nfO{ cfwf/ dfgL a}+s tyf ljQLo ;+:yf / /]ld6fG; sDkgLx¿n] ljk|]if0f

k|of]hgsf nflu ;dfg ?kdf ljlgdo b/ sfod ug{'kg{]5 . o;/L km]8fgn] b}lgs @ k6s

k|sfzg ug]{ /]ld6fG; ljlgdob/ Ohfhtkqk|fKt ;a} a}+s tyf ljQLo ;+:yf / /]ld6fG;

sDkgLx¿nfO{ pknAw u/fpg' kg]{5 . ;fy}, To:tf] ljlgdo b/sf] ljj/0f km]8fgn] k|To]s

lbg ljb]zL ljlgdo Joj:Yffkg ljefudf ;d]t k7fpg' kg]{5 . ljk|]if0f sf/f]jf/ ug]{ ;a}

Ohfhtkqk|fKt ;+:yfx¿n] km]8fgsf] ;b:otf lng'kg]{5 .

-3_ gubdf e'StfgL lbg ;lsg] /sdsf] ;Ldf ;DaGwdf M

/]ld6fG; sf/f]jf/ ug]{ a}+s tyf ljQLo ;+:yf / /]ld6fG; sDkgLx¿n] @)&$ ;fn ;fpgaf6

?=@ nfv eGbf a9L ljk|]if0f jfktsf] /sd e'StfgL ubf{ clgjfo{?kdf a}+s vftf jf r]s

dfk{mt e'QmfgL ug]{ Joj:yf ldnfpg' kg]{5 .

-ª_ ljk|]if0f u/L NofPsf] ljb]zL d'b|f / e'QmfgL u/]sf] /sdsf] lj:t[t ljj/0f cBfjlws ?kdf

/fVg' kg]{5 . k|lt u|fxs ?=!) nfv jf z+sf:kb sf/f]jf/sf] ljj/0f tyf ;"rgf k|rlnt

Joj:yf adf]lhd g]kfn /fi6« a}+s, ljQLo hfgsf/L OsfO{df pknAw u/fpg' kg]{5 .

214

-r_ a}+sn] ljb]zL a}+s÷sDkgL dfkm{t k|fKt ljb]zL d'b|fsf] ljk|]if0f ;DaGwL sf/f]jf/sf] nflu

ljb]zdf 5'§} vftf vf]Ng' kg]{5 . ;f] vftfaf6 ePsf] sf/f]jf/sf] a}+s :6]6d]06 dfl;s ?kdf

o; ljefudf k]z ug'{ kg]{5 . t/, s'g} a}+sn] Pp6} vftfaf6 /]ld6fG;sf] ljj/0f :ki6?kdf

5'6\ofP/ Report k]z ug{ ;S5 eg] 5'§} vftf /fVg clgjfo{ x'g] 5}g .

-5_ a}+sn] s'n ljk|]if0f cfk|jfx / e'QmfgLsf] ljj/0f dfl;s ?kdf / cfDbfgL, vr{, sld;g

cflbsf] ljj/0f 5'§} tof/ u/L ;f] sf/f]jf/sf] cw{jflif{s lx;fa lstfa tof/ u/L ;f]sf] Ps

k|lt o; ljefudf k]z ug'{kg]{5 .

-h_ a}+sn] ljk|]if0f sf/f]jf/ ubf{ ;f] sf/f]jf/af6 ;[hgf x'g] s'g} klg lsl;dsf] cfly{s jf ljb]zL

ljlgdo bfloTj g]kfn /fi6« a}+sn] Joxf]g]{ 5}g .

-em_= ljb]zdf ljk|]if0f ;+sng ;DaGwL sfo{sf] nflu k|rlnt Joj:yfn] tf]s]sf] ;]jf afktsf] vr{

/sd eGbf a9L /sd ljb]z k7fpg' k/]df o; ljefusf] ;d]t :jLs[lt lng' kg]{5 . cfˆgf]

sd{rf/L afx]s cGo g]kfnL gful/s lgo'Qm u/]sf] cj:yfdf ;f] ;Demf}tfsf] Ps k|lt o;


-`_ a}+sn] æg]kfn /fi6« a}+s ljk]|if0f ljlgodfjnL, @)^&Æ adf]lhd Ohfhtkqsf nflu z'?df

?=@%))).– o; a}+ssf] gf=gf]=cf= lx;fadf hDdf u/L ;f]sf] ef}r/ ;lxt o; ljefudf

lgj]bg k]z ug'{kg]{ 5 . o;/L k|bfg ul/g] Ohfhtsf] cjwL % jif{sf] x'g]5 . tTkZrft

k|To]s jif{sf nflu ?=%))) sf b/n] Psd'i6 z'Ns lt/L clwstd % jif{;Ddsf] nflu

Ohfhtkq gjLs/0f ug{ ;lsg]5 . tf]sLPsf] ;dodf gjLs/0f gu/fPdf k|To]s dlxgfsf

nflu ?=%))).– sf b/n] aLnDj z'Ns lnO{ gjLs/0f x'g g;s]sf] cf}lrTok"0f{ sf/0fsf]

cfwf/df Ohfhtkq gjLs/0f ul/lbg ;lsg]5 .

%= ljk|]if0f sf/f]jf/ ug]{ Ohfhtkqk|fKt sDkgLx¿sf] r'Qmf k'FhL ;DaGwdf M

-s_ ljk|]if0f Joj;fodf ;+nUg ;+:yfx¿sf] qmdzM lgDg adf]lhd Go"gtd r'Qmf k'FhL sfod

ul/Psf] 5 M

-!_ /]ld6fG; sf8{ hf/L ug]{ ljk|]if0f sDkgLsf] xsdf ?=@% s/f]8

-@_ lk|lG;kn sDkgL eO{ sf/f]jf/ ug]{ ljk|]ifs sDkgLx¿sf] ?=!) s/f]8

-#_ ljb]zl:yt lk|lG;kn sDkgLsf] Ph]G6 eO{ ljk|]if0fsf] sf/f]jf/ ug]{ sDkgLx¿sf] ?=@

s/f]8

-v_ ljk|]if0f sf/f]jf/ ug]{ kmd{, sDkgL jf ;+:yfx¿n] v08 -s_ df plNnlvt r'Qmf k'FhL @)&$

c;f/ d;fGt;Dddf sfod ul/;Sg' kg]{5

-^_ ljk|]if0f sf/f]jf/ dfq ug]{ Ohfhtkq k|fKt ;+:yfx¿n] k'FhLut k|s[ltsf sf/f]jf/sf] nflu lelqg]

/sdsf] ljk]|if0f ug{ kfpg] 5}gg . t/, æsÆ / /fli6«o :t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfn]

k|rlnt Joj:yf cGtu{t /xL To:tf] /sd /sdfGt/ ug{ ;Sg]5g .

-&_ Ohfhtkq k|fKt s'g} klg ;+:yfn] g]kfnL ?k}ofF pNn]v u/L ljb]zaf6 s'g} klg ljk|]if0f / cGo /sd

6«fG;km/ u/L k|fKt ug{ kfOg] 5}g .

-*_ ljk|]if0f sf/f]jf/ ug]{ a}+s tyf ljQLo ;+:yf tyf ljk|]if0f sDkgLx¿n] j]lglkml;o/LnfO{ e'QmfgL

lbg'kg]{ /sd clu|d ?kdf k|fKt ug'{ kg]{ jf ;f] a/fa/sf] a}+s Uof/]06L lng'kg]{ Joj:yf M

ljk|]if0f sf/f]jf/ ug]{ Ohfhtkq k|fKt a}+s tyf ljQLo ;+:yf tyf ljk|]if0f sDkgLx¿n] ca pk|fGt

clgjfo{ ?kn] cu|Ld ?kdf ljb]zL d'b|f g]kfn leq\ofP/ dfq j]lglkm;Lo/LnfO{ e'QmfgL k|bfg ug'{kg]{5

. clu|d e'QmfgL k|fKt ug{ g;lsg] cj:yfdf ljb]zL a}+ssf] a}+s Uof/]06L lnPsf] x'g' kg]{5 . a}+s

Uof/]06Lsf] cfwf/df e'QmfgL ubf{ a}+s Uof/]06Lsf] /sdn] vfd]sf] ;Ldf;Dd dfq e'QmfgL lbPsf]

x''g'kg]{5 .

215

-(_ ljleGg k/fdz{ ;]jf k|bfg ug]{ g]kfnL sDkgLx¿ tyf ljb]zL k/fdz{ ;]jf sDkgLsf g]kfn l:yt

;xfos sDkgLx¿n] ljb]zaf6 k|fKt ug]{ sldzg, z'Ns / cGo /sd ljk|]if0f sDkgL dfkm{t

;DalGwt sDkgLsf] vftfdf hDdf ug]{ u/L Psk6s jf k6s k6s u/L b}lgs ?= !) nfv ;Ddsf]

ljk|]if0f /sd Nofpg kfpg] 5g\ . o;/L /]ld6\ofG; sDkgLx¿n] /sd ;+sng / e'QmfgL ubf{ k|rlnt

Joj:yf adf]lhd u|fxs klxrfgsf sfuhftx¿ lnPsf] x'g' kg{]5 .

216

cg';"rL @%=!

-O=k|f=kl/kq ;+Vof @% sf] bkmf -@_ sf] k|of]hgsf] nflu_

NAME OF THE BANK/FINANCIAL INSTITUTION/ REMITTANCE COMPANY STATEMENT OF INWARD REMITTANCE (Countrywise Transaction)

For the Month of …………………

S.No. Name of Country

Remittance in USD Remittance in INR

Number Amount Number Amount

Total

Authorised Signature: Name: Designation: Date: Stamp

217

cg';"rL @%=@

-O=k|f=kl/kq ;+Vof @% sf] bkmf -@_ sf] k|of]hgsf] nflu_

NAME OF THE BANK/FINANCIAL INSTITUTION/ REMITTANCE COMPANY STATEMENT OF INWARD REMITTANCE (Companywise Transaction)

For the Month of …………………

S.No. Name of Company

Remittance in USD Remittance in INR

Number Amount Number Amount

Total

Authorised Signature: Name: Designation: Date: Stamp

218

cg';"rL @%=#

-O=k|f=kl/kq ;+Vof @% sf] bkmf$-v_ sf] k|of]hgsf] nflu_

ljk|]if0f sf/f]jf/ ug]{ :jLs[ltsf] nflu k]z ug]{ lgj]bgsf] 9fFrf

-æsÆ tyf /fli6o:t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿sf] nflu_


s]Gb|Lo sfof{no


jfn'jf6f/, sf7df8f} .

dxf]bo,

ljb]zdf /x]sf g]kfnLx¿sf] cfh{gnfO{ a}+lsË k|0ffnLdfk{mt g]kfndf NofO{ ;/f]sf/jfnfnfO{ e'QmfgL

pknJw u/fpg] ljk|]if0f -Ogjf8{ /]ld6\ofG;_ sf] sf/f]jf/ ug{sf nflu b]xfo adf]lhdsf] ljj/0f ;lxt

ljk|]if0fsf] sf/f]jf/ ug]{ :jLs[ltsf nflu of] lgj]bg k]z u/]sf] 5'÷5f}F .

ljj/0fx¿

!= ljk|]if0f sf/f]jf/ ug]{ a}+ssf] O{hfhtkqsf] k|ltlnlk

-s_ a}+ssf] skf]{/]6 sfof{nosf] 7]ufgf, df]jfOn÷kmf]g gDj/

-v_ k\mofS; gDa/ M

-u_ Od]n 7]ufgfM

-3_ kf]i6 aS; gDa/M

@= ljk|]if0f Nofpg] d'n's tyf lk|l;kn÷Ph]06sf] gfdM

#= a}+sn] s'g} /]ld6\ofG; k|f]8S6 hf/L u/]sf] eP ;f]sf] gfd / ljj/0f M

ejbLo,


gfd M

kb M

a}+ssf] 5fk M

219

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M@^÷@)&^

dlgr]Gh/nfO{ k|bfg ul/g] a§f tyf r'Qmf k"FhL ;DaGwL Joj:yf

dlgr]~h/nfO{ k|bfg ul/g] a§f tyf r'Qmf k"FhL ;DaGwdf b]xfo adf]lhd Joj:yf ul/Psf]n] ;f]xL adf]lhd

ug'{ u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/

k|of]u u/L dlgr]~h/sf] sf/f]jf/ ug{ Ohfhtkqk|fKt sDkgLx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

!= dlgr]Gh/x¿nfO{ ef/tLo ?k}ofFdf j§f k|bfg ug]{ ;DaGwdf M

Ohfhtkqk|fKt dlgr]Gh/x¿n] cfk"mn] k|fKt u/]sf] ef/tLo ?k}+of g]kfn /fi6« a}+ssf j}lsË sfof{no

nufot pkTosf jflx/sf sfof{nox¿ dfk{mt ;6xL ug{ ;Sg]5g . o; a}+sn] o:tf] gub ef/tLo

?k}ofF vl/b ubf{ lgwf{l/t b/df vl/b u/L k|lt ef=?= !)) df !% k};fsf b/n] a§f k|bfg ul/g]5 .

@= dlgr]~h/sf] sf/f]jf/ ug{] Ohfhtkqk|fKt ;+:yfsf] r'Qmf k'FhL ;DaGwL Joj:yf

-s_ ef/tLo ?k}ofsf] dfq vl/b÷ljqmL sf/f]jf/ ug]{ ;+:yfx¿sf] nflu ?=!) nfv

-v_ kl/jTo{ ljb]zL d'b|fsf] vl/b sf/f]jf/ ug]{ ;+:yfx¿sf] nflu ?= !% nfv

-u_ ef/tLo ?k}ofFF vl/b÷ljqmL / kl/jTo{ ljb]zL d'b|fsf] vl/b ;DaGwL b'a} sf/f]jf/ ug]{

;+:yfx¿sf nflu ?=@) nfv

-3_ ljb]z e|d0fdf hfg] g]kfnL gful/sx¿nfO{ /fxbflg afktsf] ;6xL ;'ljwf k|bfg ug]{ sf/f]jf/sf

nflu yk % nfv

dlgr]~h/ sf/f]jf/df ;+nUg Ohfhtkqk|fKt ;+:yfsf] plNnlvt r'Qmf k'FhL @)&$ c;f/ d;fGt

;Dddf sfod ul/;Sg' kg]{5

220

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M@&÷@)&^

ljb]zL ljlgdo ;6xL /l;b ;DaGwL Joj:yf .

-!_ kl/jTo{ ljb]zL d'b|f sf/f]jf/ ug{ Ohfhtkqk|fKt ;a} lgsfox¿n] gub kl/jTo{ ljb]zL d'b|f vl/b ubf{

o;} ;fy ;+nUg b/lk7of]Uo ljb]zL d'b|f ;6xL /l;b Foreign Exchange Encashment Receipt

(FEER) hf/L ug]{ u/fpg] ;DaGwdf ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf]

bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] Ohfhtkqk|fKt ;a} lgsfox¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

-s_ s'g} klg JolQm;Fu kl/jTo{ ljb]zL d'b|f ;6xL ugf{;fy FEER cg';f/sf] ;Dk"0f{ Joxf]/f pNn]v

u/L ;f]sf] klxnf] k|lt ;6xLstf{nfO{ lbg'kg]{5 .

-v_ FEER n] vfDg];Ddsf] dfq g]kfnL ?k}ofFFdf ;DalGwt Ohfhtk|fKt lgsfon] e'QmfgL lnFbf

FEER sf] kl5Nnf] efudf clgjfo{ ?kn] b/kL7 ug'{kg]{5 .

-u_ pko{'Qm cg';f/ e'QmfgL ln+bf o;eGbf cufl8 FEER wgLn] s'g} k|of]hgdf g]kfnL ?k}ofFF e'QmfgL

lnO{ FEER sf] kl5Nnf] efu b/kL7 u/fO;s]sf] /x]5 eg] b/kL7 u/L afFsL /x]sf]

df}Hbft;Ddsf] dfq e'QmfgL lng ldNg]5 .

-3_ ;6xLstf{af6 g]kfnL ?k}ofFFdf e'QmfgL lnFbf ;f] /sd b/lk7 kZrft klg g]kfnL ?k}ofF afFsL

/x]df ;f] df}Hbft k|i6;Fu FEER df v'nfO{lbg' kg]{5 / ;f]sf] k|ltlnlk ;'/lIft /fVg'kg]{ 5 .

-ª_ g]kfnL ?k}ofFFdf e'QmfgL b/kL7 eO{ s'g} klg df}Hbft afFsL g/x]sf] cj:yfdf pQm FEER af6 g]kfnL ?k}ofFFdf e'QmfgL lng ldNg] 5}g .

-r_ FEER sf] cfwf/df s]xL /sd g]kfnL ?k}ofFFdf / afFsL ljb]zL d'b|fdf lng'kg]{ cj:yfdf ;f] ;d]t

ug{ ldNg]5 .

-5_ FEER df afFsL /sdn] vfd];Dd ;f]xL FEER sf] cfwf/df xjfO{ l6s6 ;d]t laqmL ug{

ldNg]5 .

-h_ cfˆgf] aLnsf] e'QmfgL lnO{ FEER sf] klxnf] k|ltdf b/kL7 u/L ;DalGwt ko{6snfO{ clgjfo{

?kn] lkmtf{ lbg'kg]{ 5 .

-em_ o;} kl/kq;fy ;+nUg cg';"rL @&=! sf] lgb]{zg adf]lhd FEER sf ;Dk"0f{ dxnx¿df k|i6

a'lemg] u/L Joxf]/f pNn]v ug{'kg]{5 / FEER sf s'g} klg dxnx¿df Joxf]/f 5'6fpg kfOg] 5}g

. FEER df s'g} klg dxn 5'6fO{ ;f] /l;b hf/L u/]sf] kfOPdf ;DalGwt JolQm pk/ cfjZos

sfo{jfxL ug{ ;lsg]5 .

-`_ Pp6f FEER k|ltdf Pshgf ;6xLstf{sf] gfd dfq pNn]v ug'{ kg]{5 / ;6xL u/L ;s]kl5 s'g}

xfntdf klg ko{6ssf] gfd / /fxbfgL gDa/ nufotsf cGo ljj/0fx¿df s]/d]6 / yk36 ug{

ldNg] 5}g .

-6_ pko{'Qm cg';f/ FEER sf] cfwf/df g]kfnL / ef/tLo gful/sx¿nfO{ afx]s cGonfO{ vr{ u/L

afFsL /xg cfPsf] g]kfnL ?k}ofFFsf] /sd j/fj/sf] x'g] kl/jTo{ ljb]zL d'b|f lqe'jg cGt/f{li6«o

ljdfg:ynsf] k|:yfg sIfl:yt ;6xL sfp06/af6 lkmtf{ e'QmfgL lbg ;lsg] Joj:yf ul/Psf]

5 . t/, cd]l/sL 8n/ !)).– jf ;f] a/fj/;Dd x'g] g]kfnL ?k}ofFaf6 kl/jTo{ ljb]zL d'b|f ;6xL

ug{ FEER cfjZos kg]{ 5}g . o;/L lqe'jg cGt/f{li6«o ljdfg:ynsf] k|:yfgsIfl:yt ;6xL

221

sfp06/af6 kl/jTo{ ljb]zL d'b|f ;6xL lbFbf ;DalGwt ljb]zL gful/ssf] /fxbfgL / af]l8{Ë

kf;sf] k|ltlnlk clgjfo{ ?kdf lnO{ clen]v /fVg' kg]{5 .

-7_ o;/L ;6xL ePsf] kl/jTo{ ljb]zL d'b|fsf] o;};fy ;+nUg cg';"rL @&=# jdf]lhd FEER sf]

ljj/0f dlxgf ;dfKt ePsf] !% lbgleq o; ljefudf k]z ug{'kg]{5 .

-@_ ef/tLo d'b|fsf] sf/f]jf/ ug{ Ohfhtkqk|fKt ;a} lgsfox¿n] gub ef/tLo ?k}ofF vl/b ubf{ o;} ;fy

;+nUg ef/tLo ?k}Fof ;6xL /l;b Indian Currency Purchase Receipt (ICPR) tyf laqmL ubf{ Indian

Currency Sales Receipt (ICSR) hf/L ug]{ u/fpg] ;DaGwdf ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!(

-;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] Ohfhtkqk|fKt ;a} lgsfox¿nfO{ of]

kl/kq hf/L ul/Psf] 5 .

-s_ s'g} klg JolQm;Fu ef/tLo d'b|f vl/b ugf{;fy cg';"rL @&=$ jdf]lhd ICPR cg';f/sf] ;Dk"0f{

Joxf]/f pNn]v u/L ;f]sf] klxnf] k|lt tTsfn} laqmLstf{nfO{ lbg'kg]{5 .

-v_ s'g} klg JolQmnfO{ ef/tLo d'b|f ljqmL ubf{ k|df0fsf] ?kdf laqmL /l;b÷a}+s ef}r/÷ICSR

cg';f/sf] ;Dk"0f{ Joxf]/f pNn]v u/L ;f]sf] klxnf] k|lt vl/bstf{nfO{ lbg'kg]{5 .

-u_ Pp6f ICPR/ ICSR k|ltdf Pshgf ;6xLstf{sf] gfd dfq pNn]v ug'{ kg]{5 / ;6xL u/L

;s]kl5 pNn]v ePsf ljj/0fx¿df s]/d]6 / yk36 ug{ ldNg] 5}g .

-3_ o;/L ;6xL ePsf] ef/tLo ?k}ofFsf] vl/b, laqmL / ;f]sf] ljj/0f o;};fy ;+nUg cg';"rL @&=^

jdf]lhd dlxgf ;dfKt ePsf] !% lbgleq o; ljefudf k]z ug{'kg]{5 .

222

cg';"rL @&=!

-O=k|f=kl/kq ;+Vof @& sf] bkmf !-em_ sf] k|of]hgsf] nflu_

FEER /l;b eg]{ lgb]{zg

!= /fxbfgLdf pNn]v ePsf] k"/f gfd M

@= /fxbfgL g+= M

#= gful/stf M

$= /fxbfgLdf pNn]lvt 3/sf] 7]ufgf M

%= gub – -cIf/df n]Vg]_

^= ljb]zL d'b|f cÍdf – bzdnasf] cÍ ;d]t pNn]v ug]{,

&= ;6xL ug]{ lbgsf] k|rlnt ;6xL b/ -bzdna cÍ ;d]t pNn]v ug]{_

*= ljb]zL d'b|fnfO{ k|rlnt ;6xL b/af6 u'0fg ubf{ k|fKt hDdf /sd -?k}ofFFdf bzdna cÍ ;d]t pNn]v

ug]{_

(= ?k}ofFFsf] s'n hDdf /sd bzdna ;d]t pNn]v ug]{,

!)= Ohfhtk|fKt JolQmsf] gfd, 7]ufgf, b:tvt / 5fk M

!!= ljb]zL d'b|f v/Lb u/]sf] cIf/]kLdf klg pNn]v ug]{],

!@= u|fxssf] ;xL,

!#= g]kfndf a:g] 7]ufgf M

ljb]zL d'b|f ;6xL ubf{ Ps} JolQmaf6 b'O{ jf b'O{eGbf a9L ljb]zL d'b|f ;6xLsf] lgldQ k]z ePdf

FEER /l;b 5'6f5'§} eg'{kg]{5 . h:t}M– cd]l/sL 8n/ / :6ln{Ë kfp08 k]z ePdf b'O{j6f 5'§f5'§} /l;b sf6\g'

kg]{5 .

223

cg';"rL @&=@

-O=k|f=kl/kq ;+Vof @& sf] bkmf -!_ sf] k|of]hgsf] nflu_

FOREIGN EXCHANGE ENCASHMENT RECEIPT

SERIAL NO:

DATE:

We hereby certify that we have purchased to-day foreign currency as mentioned below

from Mr/Mrs/Miss Passport No.

Nationality Home Address

Particular

Cash

Currency

Amount

Rate Rupee

Equivalent

Authorized Dealer's Name, Address,

Stamp and Signature

Total Rs.

Foreign Currency in words

Customer's Signature: Local Address:

PLEASE READ IMPORTANT INFORMATION OVERLEAF

224

ENDORSEMENT TO BE MADE BY AUTHORISED

DEALER ACCEPTING THEIR BILL IN RUPEES

IMPORTANT INFORMATION:

(1) According to the Nepalese Law, it is illegal to deal in foreign exchange with a person other

than an authorized dealer.

(2) You must obtain proper receipt whenever you exchange money.

(3) The Nepalese Rupees balance remaining with you (not for Nepalese and Indian) will be

converted back into US $ at the departure Exchange counter at the Tribhuvan International

Airport up to 15% of the total foreign currency exchange, at the time of your departure, on

submission of this receipt.

(4) The receipt marked "USED" will not be considered for refund.

THIS EXCHANGE RECEIPT SHOULD BE CAREFULLY PRESERVED WHEN YOU

ARE IN NEPAL

S.No.

Date

Kind of

service

Bill Balance

after billing

in Rs.

Authorized dealer's

Name, Address, Stamp &

Signature

No. & date Rs.

1

2

225

cg';"rL @&=#

lj=lj=lg=kmf=g+= %

-O=k|f=kl/kq ;+Vof @& sf] bkmf !-7_ sf] k|of]hgsf] nflu_

FOREIGN EXCHANGE ENCASHMENT RECEIPT STATEMENT

PERIOD: From..................... to ................................ Date

DATE NAME OF

GUEST

FEER No.

AMOUNT PURCHASED

FROM CHEQUE/

CASH

AMOUNT SOLD

TO BANK

BALANCE AT

END OF

DAY

REMARKS

TOURIST OTHER

PREPARED BY :

NAME :

ADDRESS :

STAMP :

226

cg';"rL @&=$

-O=k|f=kl/kq ;+Vof @& sf] bkmf @-s_ sf] k|of]hgsf] nflu_

INDIAN CURRENCY PURCHASE RECEIPT(ICPR)

SERIAL NO:

DATE:

We hereby certify that we have purchased to-day indian currency as mentioned below

from Mr/Mrs/Miss Citizenship/Passport/ID No.


Particular

Cash

Indian

Currency

Amount

Rate Rupee

Equivalent


Stamp and Signature

Total Rs.

Indian Currency in words


Contact No.





(3) This exchange report Should be carefully preserved for the reference

227

cg';"rL @&=%

-O=k|f=kl/kq ;+Vof @& sf] bkmf @-v_ sf] k|of]hgsf] nflu_

INDIAN CURRENCY SALES RECEIPT (ICSR)

SERIAL NO:

DATE:

We hereby certify that we have sold to-day indian currency as mentioned below to

Mr/Mrs/Miss Citizenship/Passport/ID No.


Particular

Cash

Rupee Rate Indian

Currency

Amount


Stamp and Signature

Total INR

Indian Currency in words


Contact No.





(3) This exchange report Should be carefully preserved for the reference

228

cg';"rL @&=^

-O=k|f=kl/kq ;+Vof @& sf] bkmf @-3_ sf] k|of]hgsf] nflu_

Ohfhtkqk|fKt ;a} lgsfox¿sf] ef=?= sf/f]jf/sf] ljj/0f

INDIAN CURRENCY PURCHASES/SALES STATEMENT

PERIOD: From..................... to ................................ Date

DATE NAME OF

GUEST

ICER No.

ICSR NO.

AMOUNT PURCHASE

AMOUNT SALES

AMOUNT SOLD

TO BANK

BALANCE AT END OF DAY (INR)

REMARKS

INR INR

COMPANY NAME :

ADDRESS :

PREPARED BY :

STAMP :

229

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M@*÷@)&^

;DklQ z'4Ls/0f ;DaGwL Joj:yf

g]kfn /fi6« a}+saf6 cg'dlt k|fKt d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfx¿ / ljk|]if0f tyf d'b|f

:yfgfGt/0f ;DaGwL sfo{ ug]{ ;+:yfnfO{ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df nufgL ug]{ sfo{ lgjf/0f

ug]{ ;DaGwdf lgb]{zg hf/L ug{ jf~5lgo ePsf]n] ;f] ;DaGwdf b]xfo adf]lhd ug{' u/fpg'x'g ljb]zL

ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] g]kfn /fi6«

a}+s, a}lsË sfof{no nufot cGo sfof{no / Ohfhtkqk|fKt æsÆ, ævÆ / æuÆ ju{sf a}+s tyf ljQLo

;+:yfx¿, Ohfhtkqk|fKt dlgr]~h/÷xf]6n÷6«fen P08 6';{÷6«]lsË÷sfuf]{÷c:ktfn÷ Po/nfOG;, ljk|]if0f

tyf d'b|f :yfgfGt/0f ;DaGwL sfo{ ug]{ ;+:yfx¿ nufot cGo ;a} Ohfhtkqk|fKt ;+:yf tyf

lgsfox¿nfO{;DkQL z'4Ls/0f ;DaGwL of] lgb]{zg hf/L ul/Psf] 5 .

-s_ d'b|f ;6xL ;DaGwL sfo{ ug]{ ;+:yfx¿nfO{ lgb]{zg M

kl/R5]b — !

kl/efiff

!= ljifo jf k|;Ën] csf]{ cy{ gnfu]df of] lgb]{zgdfM

-s_ æu|fxs d"NofÍg k4ltÆ eGgfn] o; lgb]{zgdf tf]s] adf]lhdsf] u|fxs d"NofÍg k4lt

-Customer Due Diligince_ nfO{ ;Demg' kb{5 .

-v_ ælxtflwsf/LÆ eGgfn] s'g} u|fxssf] dflns jf clGtd?kdf lgoGq0f ug]{ k|fs[lts JolQm

-h;sf] nflu nfe k'Ug] u/L sf/f]jf/ ul/G5_ ;Demg' kb{5 . of] zAbn] s'g} sfg"gL JolQm jf

Joj:yfkgnfO{ lgoGq0fdf /fVg] clGtd clwsf/ k|of]u ug]{ JolQmnfO{ ;d]t hgfpF5 .

-u_ æljQLo hfgsf/L OsfOÆ eGgfn] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ sf]

bkmf ( adf]lhd u7g ePsf] ljQLo hfgsf/L OsfOnfO{ ;Demg' kb{5 .

-3_ æpRr kb:y JolQmÆ eGgfn] g]kfn jf s'g} ljb]zL d'n'sdf /fhg}lts, Joj;flos,

;fdflhs, ljQLo, k|zf;lgs, Jofkfl/s, cf}Bf]lus If]qdf pRr txdf sfo{/t jf sfo{

ul/;s]sf, pRr ;fj{hlgs lhDd]jf/Ldf /x]sf jf /lx;s]sf /fi6« k|d'v, ;/sf/ k|d'v,

dGqL, pRr kb:y lghfdtL, k|x/L tyf ;}lgs sd{rf/L, ;/sf/L :jfldTjdf /x]sf ;+:yfg

tyf :jfoQ ;+:yfsf kbflwsf/L, lghL If]q tyf ;fdflhs If]qsf pRr kb:y kbflwsf/L,

/fhlglts bnsf pRr kb:y g]tfx¿ ;Demg' kb{5 . of] zAbn] To:tf JolQmsf kl/jf/sf

;b:o tyf glhssf ;xof]uL ;d]tnfO{ hgfp5 .

-ª_ æFATFÆ eGgfn] kmfOgflG;on PS;g 6f:s kmf]z{ -Financial Action Task Force_ ;Demg'

kb{5 .

-r_ æljB'tLo dfWodaf6 :yfgfGt/0fÆ eGgfn] ljB'tLo dfWodsf] k|of]u u/L s'g} a}+s, ljQLo

;+:yf, ljk|]if0f, :yfgfGt/0f sfo{ ug]{ ;+:yf dfkm{t s'g} JolQmsf] /sd Ps :yfgaf6 csf]{

:yfgdf k7fpg] sfo{nfO{ ;Demg' kb{5 . -o;/L /sd k7fpg] / k|fKt ug]{ JolQm Pp6} jf

cnu cnu x'g ;Sb5g ._

230

-5_ æpTklQstf{Æ eGgfn] vftfjfnf jf vftf geP klg s'g} a}+s, ljQLo ;+:yf, ljk|]if0f /

:yfgfGt/0f sfo{ ug{] ;+:yfnfO{ Ps :yfgaf6 csf]{ :yfgdf ljB'tLo dfWodaf6 /sd

:yfgfGt/0f ug{ cg'/f]w ug]{ JolQm ;Demg' k5{ .

-h_ æck/flws cfh{gÆ eGgfn] k|ToIf jf ck|ToIf?kdf s'g} ck/flws sfo{af6 k|fKt ePsf]

;DklQ jf cfly{s nfe ;Demg' kb{5 . ;fy}, of] zAbn] To:tf] ;DklQaf6 a9] a9fPsf] jf

k"0f{ jf cf+lzs?kn] :j?k kl/jt{g u/]sf] ;DklQnfO{ ;d]t hgfpF5 .

kl/R5]b — @

gLlt, k|lqmof / cEof;

@= ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ;DaGwL sfo{sf] lgoGq0f Pjd\ lg/f]k0fsf

nflu ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt _, ;DklQ z'4Ls/0f lgjf/0f lgodfjnL,

@)^^ / o; lgb]{zgn] tf]s] adf]lhd ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] cfjZos gLlt, k|lqmof /

cEof;sf] th{'df tyf sfof{Gjog ug'{ kg]{5 .

#= bkmf @ adf]lhd nfu' ul/Psf] gLlt, k|lqmof / cEof;df d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn]

cfˆgf] Joj;fo tyf sf/f]jf/sf] dfqf tyf k|s[lt emNsg] u/L tof/ ug'{ kg]{5 . ;DklQ z'4Ls/0f

tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ ;DaGwL ck/fw x'g] hf]lvd sd 5 egL ;DalGwt d'b|f

;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] /fi6« a}+sdf lgj]bg lbPdf /fi6« a}+sn] hf]lvddf cfwfl/t eO{

o; lgb]{zgsf] sfof{Gjog ug{df cfjZos 5'6 lbg ;Sg]5 .

$= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] tof/ ug]{ gLlt, k|lqmof / cEof;df slDtdf b]xfosf

ljifosf ;DaGwdf cfjZos tyf pko'Qm Joj:yf ug'{ kg]{5 M

-s_ hf]lvddf cfwfl/t k|lqmof ;lxt u|fxssf] u|fxs d"NofÍg k4lt -Customer Due Diligince_

nfO{ cfjZostf cg';f/ nfu' ug]{

-v_ u|fxssf] cBfjlws clen]v sfod ug]{

-u_ sf/f]jf/ tyf cGo ljj/0f ;'/lIft /fVg]

-3_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ tyf o; lgb]{zgsf] bkmf @# cg';f/ ljQLo hfgsf/L

OsfOdf ;Ldf ;DaGwL sf/f]jf/ ljj/0f k7fpg]

-ª_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$, ljQLo hfgsf/L OsfOaf6 hf/L ul/Psf lgb]{zg tyf

o; lgb]{zgsf] bkmf @& n] tf]s] cg'?ksf z+sf:kb sf/f]jf/sf] ljj/0f ljQLo hfgsf/L

OsfOdf k7fpg] /

-r_ o; lgb]{zgsf] kfngf ug{ cfjZos kg]{ cfGtl/s gLlt, k|lqmof, k|0ffnL / lgoGq0fsf

pkfox¿sf] th{'df ug]{

kl/R5]b — #

hf]lvddf cfwfl/t k|0ffnLsf] k|of]u u/L u|fxs d"NofÍg

k4lt -Customer Due Diligence_ sfod ug]{ .

%= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] ug]{ u|fxs d"NofÍg k4lt -Customer Due Diligence_ n]

b]xfosf s'/fx¿ ;dfj]z ug'{ kg]{5

-s_ u|fxs / u|fxssf] lxtflwsf/Lsf] klxrfg ug]{

-v_ u|fxs / u|fxssf] lxtflwsf/Lsf] af/]df cfjZos ;"rgf ;+sng ug]{ / cfjZostf cg';f/

u|fxssf] hf]lvd ljj/0f tof/ ug]{

-u_ gofF u|fxsx¿ :jLsf/ ug]{ gLlt nfu' ug]{

-3_ u|fxs / u|fxssf] lxtflwsf/Lsf] ;"rgf tyf ljj/0f lgoldt?kdf cBfjlws ug]{

231

-ª_ u|fxssf] sf/f]jf/sf] ljj/0f tyf lgh;Fusf] ;DaGwnfO{ lgoldt?kdf cg'udg ug]{ .

^= hf]lvdsf cfwf/df cyf{t pRr hf]lvddf /x]sf u|fxssf] nflu kl/:s[t tyf sd hf]lvddf /x]sf

u|fxssf] nflu ;fdfGo u|fxs d"NofÍg k4ltsf] nfu' ug'{ kg]{5 . hf]lvddf cfwfl/t u|fxs d"NofÍg

k4lt nfu' ug]{ ;DaGwdf o; lgb]{zgsf] kl/R5]b !) df yk :ki6 ul/Psf] 5 .

kl/R5]b — $

u|fxssf] klxrfg

&= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] a]gfdL tyf sfNklgs gfddf sf/f]jf/ ug]{ jf ug{ vf]Hg]

s'g} klg JolQm;Fu sf/f]jf/ ug{ x'b}g .

*= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] cfˆgf u|fxs tyf lxtflwsf/Lsf] jf:tljs kl/ro yfxf

kfpg' kg]{5 . u|fxs eGg] zJbn] b]xfosf JolQmx¿nfO{ hgfpF5 M

-s_ Joj;flos ;DaGw ePsf

-v_ Ps k6s jf k6s] ?kdf o; lgb]{zgsf] bkmf @# df tf]lsPsf] ;Ldf jf ;f] eGbf a9L

sf/f]jf/ ug]{

-u_ sf/f]jf/ ubf{ s'g} ;dodf ;f] JolQm ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL

;DaGwL sfo{df ;+nUg ePsf] jf x'g ;Sg] cf+zsf /x]sf] sf/f]jf/ jf Joj;fodf ;+nUg

ePsf]

(= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] b]xfosf s'g} klg ;dodf u|fxssf] pko'Qm klxrfg ug{

cfjZos kl/ro lng] / ;f]sf] plrt k/LIf0f u/L /]s8{ ;d]t sfod ug{'kg]{5 .

-s_ Joj;flos ;DaGwsf nflu cg'/f]w ubf{,

-v_ lgZrt ;Ldf leqsf] k6s] sf/f]jf/ ubf{,

-u_ s'g} JolQm z+sf:kb sf/f]jf/ jf sfo{df ;+nUg ePsf] kfOPdf, /

-3_ s'g} JolQmsf] ;DaGwdf klxn] g} k|fKt ul/;s]sf] klxrfg ;DaGwL sfuhftdf s'g} z+sf jf

låljwf pTkGg ePdf .

kl/R5]b — %


!)= cfkm\gf k|To]s u|fxsdf lglxt hf]lvdsf] ljj/0f o; lgb]{zg cg'?ksf] u|fxs d"NofÍg k4lt k"/f ug{

;lsg] u/L /fVg' kg]{5 . o:tf] ljj/0fdf u|fxssf] af/]df k|of{Kt hfgsf/L x'gsf ;fy} pQm u|fxsn]

;+:yf;Fu /fVg vf]h]sf] ;DaGw / cfjZos eP /sd tyf ;DklQsf] ;|f]tsf] af/]df ;d]t pNn]v ug{'

kg]{5 .

kl/R5]b — ^

gofF u|fxssf] :jLsf/

!!= o; lgb]{zg adf]lhd cfˆgf] jf lxtflwsf/Lsf] kl/ro v'nfpg jf k'li6 x'g g;Sg] jf hf]lvd ljj/0f

tof/ ug{ kof{Kt ;"rgf ;+sng ug{ g;lsg] s'g} JolQmnfO{ u|fxssf] ?kdf :jLsf/ ug{ x'b}g . o:tf]

cj:yfdf ;+:yfn] ljQLo hfgsf/L OsfO{n] hf/L u/]sf] lgb]{zg / o; lgb]{zgsf] bkmf @& cg';f/

z+sf:kb sf/f]jf/sf] ?kdf lnO{ ;f]sf] ljj/0f k7fpg' kg]{5 .

kl/R5]b — &

u|fxssf] ;"rgf lg/Gt/?kdf sfod /fVg]

232

!@= cfˆgf u|fxsx¿sf ;DaGwdf lg/Gt/ cfjZos ;"rgf / ljj/0f ;+sng u/L /fVg' kg]{5 . u|fxs

d"NofÍg k4lt -CDD) k|lqmof cGt/ut ;+sng ul/Psf sfuhft, tYof+s, jf ;"rgfx¿ d'b|f ;6xL

;DaGwL sf/f]jf/ ug]{ ;+:yfn] lglZrt ;dodf cfjZos ;dLIff u/L ;f]sf] ljj/0f Jojl:yt tl/sfn]

/fVg' kg]{5 .

kl/R5]b — *

u|fxssf] sf/f]jf/sf] lg/Gt/?kdf cg'udg ug]{

!#= cfˆgf u|fxsx¿sf] sf/f]jf/ / pgLx¿;Fusf] ;DaGwsf] lg/Gt/ cg'udg ug'{ kg]{5 . o:tf] cg'udgn]

d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] klxrfg u/] cg'?k g} u|fxsn] sf/f]jf/ u/] gu/]sf] s'/f

tyf u|fxssf] hf]lvd ljj/0f, cfjZostf cg';f/ /sd jf ;DklQsf] ;|f]t, / klxn] g} lgwf{/0f

ul/Psf] /sd jf sf/f]jf/sf] ;Ldf / k|sf/ ;d]tnfO{ ;d]6g' kg]{5 .

!$= ;j} h6Ln sf/f]jf/, cfly{s / sfg"gL p2]Zo gePsf c:jefljs?kn] 7"nf b]lvg] jf c:jefljs

k|s[ltsf sf/f]jf/nfO{ ljz]if lgu/fgLsf ;fy x]g'{ kg]{5 . o:tf sf/f]jf/sf] p2]Zo tyf cfwf/x¿ kQf

nufO{ To:tf] hfgsf/L lnlvt ?kdf /fVg' kg]{5 . o:tf] hfgsf/L ljQLo hfgsf/L OsfO{,

n]vfk/LIfs Pjd\ cGo ;Ifd lgsfon] k/LIf0f ug{ ;Sg] u/L kfFr jif{ ;Dd ;'/lIft /fVg' kg]{5 .

s'g} sf/f]jf/nfO{ cfly{s / sfg"gL p2]Zo gePsf c:jefljs?kn] 7"nf jf c:jefljs k|s[ltsf

sf/f]jf/ egL kQf nufO{ ;s]kl5 To:tf] sf/f]jf/nfO{ ljQLo hfgsf/L OsfOn] hf/L u/]sf] lgb]{zg /

o; lgb]{zgsf] bkmf @& cg';f/ z+sf:kb sf/f]jf/sf] ?kdf klg k7fpg' kg]{5 .

kl/R5]b — (

u|fxs;Fusf] ;DaGwsf] ;dflKt

!%= s'g} gofF u|fxssf] o; lgb]{zg cg'?ksf] u|fxs d"NofÍg k4lt ;DkGg ug{ g;Sg] cj:yf ljBdfg

ePdf To:tf u|fxs;Fusf] ;DaGwnfO{ ;dfKt u/L To:tf] sf/f]jf/nfO{ ljQLo hfgsf/L OsfOn] hf/L

u/]sf] lgb]{zg / o; lgb]{zgsf] bkmf @& cg';f/ z+sf:kb sf/f]jf/sf] ?kdf klg k7fpg' kg]{5 .

kl/R5]b — !)

sd hf]lvdo'Qm u|fxsx¿sf nflu ;/n u|fxs

d"NofÍg k4lt cjnDag ug{ ;Sg]

!^= cfkm"n] u/]sf] lnlvt hf]lvd d"NofÍgsf cfwf/df sd hf]lvdo'Qm u|fxssf] ;/n u|fxs d"NofÍg

k4lt cjnDjg ug{ ;Sg]5g . o:tf] k4lt cjnDag ubf{ cfjZos kg]{ sfuhft / hf]lvd

lgwf{/0fsf cfwf/x¿ af/]df g]kfn /fi6« a}+saf6 dfu eO{ cfPdf pknJw u/fpg' kg]{5 .

!&= ;fdfGotof ;j} u|fxsx¿sf nflu o; lgb]{zgdf pNn]lvt u|fxs d"NofÍg k4lt cjnDag ug{'

kg]{5 . s]xL kl/l:yltx¿df ;+:yfn] u/]sf] d"NofÍgdf ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df

ljQLo nufgL ug]{ hf]lvd sd /x]sf], ;DalGwt u|fxs / lxtflwsf/Lsf] af/]df ;fj{lhlgs ?kdf g}

hfgsf/L pknJw ePsf], jf /fli6«o k|0ffnLdf pko'Qm lgoGq0f / k/LIf0fsf] Joj:yf /x]sf] cj:yfdf

;/n u|fxs d"NofÍg k4lt cjnDag ug{ ;lsg]5 .

!*= hf]lvd sd ePsf u|fxs tyf sf/f]jf/sf] jf pTkfbgx¿sf] pbfx/0fsf] ?kdf b]xfo adf]lhdsf

u|fxs, sf/f]jf/x¿ kg{ ;Sg]5g M

-s_ cGo lgodgdf /x]sf ;+:yfx¿ -g]kfn /fi6« a}+sn] ;'kl/j]If0f ug]{_

233

-v_ o; lgb]{zgsf] bkmf !% df pNn]v eP cg'?k pko'Qm lgodg / ;'kl/j]If0f cGt/ut /x]sf

ljb]zL ljQLo ;+:yfx¿

-u_ g]kfn lwtf]kq af]8{n] lgodg ug]{ :6s PS;r]Ghdf ;"lrs[t ePsf] klAns sDkgL / ljQLo

hfgsf/L OsfOn] :jLs[t u/]sf / k|sfzg -Disclosure_ ;DaGwL pko'Qm lgodg /

;'kl/j]If0f cGt/ut /x]sf ljb]zL :6s PS;r]Ghdf ;'rLs[t ePsf kaLns sDkgLx¿

-3_ ? !),))).– eGbf sd jflif{s sf/f]jf/ ePsf ;fgf u|fxsx¿ .

!(= u}/ cfjf;Lo tyf ljb]zL sDkgLx¿sf] xsdf To:tf sDkgLx¿ /x]sf] :yfg jf d'n'sn] ;DklQ

z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ sfo{nfO{ lgoGq0f ug]{ ;DaGwdf /x]sf

cGt/f{li6«o dfkb08x¿sf] kfngf u/]sf] x'g'kg]{ 5 . d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn]

;DalGwt d'n'sn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ sfo{nfO{ lgoGq0f ug]{

;DaGwdf /x]sf cGt/f{li6«o dfkb08x¿sf] kfngf u/] gu/]sf] ;DaGwdf lgwf{/0f ubf{ g]kfn /fi6«

a}+sn] k|sflzt u/]sf] ;"rL jf k|ltj]bg, FATF, APG, IMF, World Bank h:tf lgsfox¿sf

j]e;fO{6df k|sfzg ePsf ljj/0fsf cfwf/df ug'{ kg]{5 .

@)= g]kfn /fi6« a}+sn] s'g} d'n's jf If]qn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{

sfo{nfO{ lgoGq0f ug]{ ;DaGwdf /x]sf cGt/f{li6«o dfkb08x¿sf] kfngf gu/]sf] egL hfgsf/L

u/fPsf] jf ljZj:t :jtGq ;"rgfx¿sf cfwf/df ;DalGwt ;+:yfn] g} ;DklQ z'4Ls/0f tyf

cft+sjfbL sfo{df ljQLo nufgL ug]{ sfo{nfO{ lgoGq0f ug]{ ;DaGwdf /x]sf cGt/f{li6«o

dfkb08x¿sf] kfngf gu/]sf] elg kQf nufPsf] jf cGo s'g} sf/0fn] ;f] ;DaGwL hf]lvd /x]sf]

egL z+sf ug'{ kg]{ sf/0f ePsf :yfgdf cfwfl/t u|fxssf] xsdf eg] ;/n u|fxs d"NofÍg k4lt

nfu' ug{ x'b}g .

kl/R5]b — !!

clen]v ;'/lIft tl/sfn] /fVg]

@!= :jb]zL tyf ljb]zL ;j} sf/f]jf/ tyf ljQLo hfgsf/L OsfOnfO{ k7fPsf ;Ldf tyf z+sf:kb

sf/f]jf/x¿sf] clen]v sf/f]jf/ ePsf] ldltn] slDtdf kfFr jif{;Dd ;'/lIft ?kdf /fVg' kg]{5 . of]

Joj:yf ;DaGw sfod ePsf jf sf/f]jf/ rfn' /x]sf jf ;dfKt ePsf b'j} cj:yfdf nfu' x'g]5 .

@@= sf/f]jf/sf] ljj/0f k|To]s sf/f]jf/ k"0f{ klxrfg ug{ ;lsg] / cfjZos kbf{ kmf}hbf/L cleof]udf

cleof]hg ubf{ k|df0fdf lng ;Sg] lsl;dn] /fVg' kg]{5 . To:tf] sf/f]jf/ ljj/0fdf b]xfosf s'/fx¿

;dfj]z ug'{ kg]{5 M

-s_ u|fxssf] -lxtflwsf/L ;d]t_ sf] gfd, 7]ufgf -klxrfg ;DaGwL cGo dWo:yåf/f /flvPsf]

ljj/0f_

-v_ sf/f]jf/sf] k|s[lt / ldlt

-u_ k|of]u ePsf] d'b|fsf] k|sf/ / dfqf

-3_ sf/f]jf/df k|of]u ePsf] vftf gDj/ / ;f]sf] k|sf/

kl/R5]b — !@

;Ldf sf/f]jf/ ljj/0f k7fpg' kg]{

@#= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] b]xfosf ;Ldf leqsf] ?k}ofFF tyf ;f] a/fa/sf] ljb]zL

d'b|fsf] sf/f]jf/sf] ljj/0f To:tf] sf/f]jf/ ePsf] ldltn] !% lbg leq cg';'rL–@ sf] 9fFrfdf ljQLo

hfgsf/L OsfO ;dIf k]z ug'{ kg]{5 .

-s_ s'g} u|fxsn] Ps} k6s jf k6s k6s u/L Ps lbgdf u/]sf] cd]l/sL 8n/ kfFr xhf/ jf ;f]

eGbf j9L /sdsf] ;6xL sf/f]jf/

234

@$= tf]lsPsf] ;Ldf eGbf a9Lsf] sf/f]jf/ ug]{ u|fxs, To:tf] sf/f]jf/ jf /sdsf] ;|f]t ;d]t pNn]v u/L

5'§} /lhi6/ v8f u/L /fVg' kg]{5 .

@%= olb s'g} sf/f]jf/ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ p2]Zon] ul/Psf] egL

d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfnfO{ nfu]df To:tf] sf/f]jf/ dfly pNn]lvt ;Ldf eGbf dflysf]

eP jf geP klg ljQLo hfgsf/L OsfOn] hf/L u/]sf] lgb]{zg / o; lgb]{zgsf] bkmf @& cg';f/

z+sf:kb sf/f]jf/sf] ?kdf klg ljQLo hfgsf/L OsfOdf k7fpg kg]{5 .

@^= bkmf @# / @% cg'?ksf ljj/0fx¿ ljQLo hfgsf/L OsfOn] tf]s] adf]lhd ljB'tLo jf cGo

dfWodaf6 k7fpg ;lsg]5 .

kl/R5]b — !#

z+sf:kb sf/f]jf/sf] ljj/0f k7fpg]

@&= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfn] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ sf]

bkmf & cg'?k s'g} /sd b]xfo adf]lhd /x]sf] z+sf nfu]df jf z+sf ug'{ kg]{ kof{Kt cfwf/ ePdf

;f]sf] ljj/0f ljQLo hfgsf/L OsfOdf k7fpg' kg]{5 .

-s_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ n] tf]s]sf] ck/fw jf ck/flws

cfh{g;Fu hf]l8Psf] jf ;DalGwt /x]sf], jf

-v_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ n] tf]s] adf]lhd cft+safb,

cft+sjfbL sfo{, cft+sjfbL ;+u7g, jf cft+sjfbL sfo{df nufgL;Fu hf]l8Psf] jf ;DalGwt

/x]sf]

-u_ ljQLo hfgsf/L OsfOn] hf/L u/]sf] lgb]{zgdf tf]lsPsf cfwf/df z+sf:kb b]lvPsf]

@*= ;j} z+sf:kb /sd tyf sf/f]jf/ / sf/f]jf/sf] k|of; ;d]tsf] ljj/0f k7fpg' kg]{5 . ljj/0f k7fpg]

bfloTj cGo s'g} lsl;dn] 5'6 x'g]5}g .

@(= ;+:yfn] z+sf:kb b]lvg] ljlQs} z+sf:kb sf/f]jf/sf] ljj/0f oyfzSo rfF8f] k7fpg' kg]{5 .

#)= z+sf:kb sf/f]jf/ jf ;f]sf] k|of; ;d]tsf] ljj/0fdf o; lgb]{zgsf] cg';"rL—# df lbOPsf] 9fFrfdf

ljQLo hfgsf/L OsfOdf k7fpg' kg]{5 .

kl/R5]b — !$

cglws[t JolQmnfO{ ;"rgf lbg k|ltjGw

#!= ;"rgf lbg] Joj:yf ;DaGwdf b]xfo adf]lhd x'g]5 M

-s_ d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yf, ;f]sf ;~rfns, kbflwsf/L / sd{rf/Lx¿ -:yfO{ /

c:yfO{_ s;}n] klg ljQLo hfgsf/L OsfOdf k7fPsf] ;Ldf jf z+sf:kb sf/f]jf/ jf ;DklQ

z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ ;DaGwL ck/fwsf] ;DaGwdf ePsf] jf

eO{/x]sf] cg';Gwfg jf cGo ;Dj4 ;"rgfx¿ v08 -v_ df pNn]v ePsf] cj:yfdf /

k|rlnt sfg"gn] tf]s]sf] cj:yfdf afx]s s'g} klg lsl;dn] JoQm ug'{ jf k|s6 ug{' x'b}g .

-v_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ sf] s'g} Joj:yfsf] sfof{Gjo ul//x]sf] lgsfon] dfu

u/]sf avt To:tf] hfgsf/L k|bfg ug'{ kg]{5 .

-u_ s;}n] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -k|yd ;+zf]wg @)^* ;lxt_ sf] k|zf;gsf]

nflu afx]s z+sf:kb sf/f]jf/sf] ljj/0f tof/ ug]{, ljQLo hfgsf/L OsfO jf cGo ;/sf/L

lgsfonfO{ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ug]{ sfo{sf]

nflu ljj/0f k7fpg] JolQmsf] kl/ro jf kl/ro v'Ng ;Sg] s'g} klg s'/f ;+s]t jf k|s6

ug'{ x'b}g .

-3_ s;}n] klg Gofosf] k|of]hgsf nflu cfjZos ePsf] egL Gofolwz jf d'2f x]g]{ clwsf/Ln]

k|s6 ug{ cfb]z lbPsf]df afx]s z+sf:kb sf/f]jf/sf] ljj/0f jf ;f]df ;dfj]z ePsf cGo

235

hfgsf/L jf ;f];Fu k|bfg ul/Psf cGo hfgsf/L, To:tf] ljj/0f tof/ ug]{, ljj/0f k7fpg]

JolQmx¿sf] kl/ro jf kl/ro v'Ng ;Sg] s'g} klg ljj/0f lbg x'b}g .

#@= ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_, lgod @)^^ tyf o; lgb]{zgsf] Joj:yf

cg'?k ;blgot ;fy ljj/0f k7fPsf] jf hfgsf/L lbPsf] sf/0fn] s'g} klg ;"rs ;+:yf jf To;sf

;~rfns, kbflwsf/L, ;fem]bf/, k]zfut Joj;foL jf sd{rf/LnfO{ a}+lsË jf cGo s'g} klg k]zfut

uf]Kotf e+u u/]sf] cf/f]kdf s'g} klg kmf}hbf/L, b]jfgL, cg'zf;gfTds jf k|zf;sLo sf/jfxL x'g]

5}g .

kl/R5]b — !%

cfGtl/s gLlt, k|lqmof, k|0ffnL / lgoGq0f

##= o; lgb]{zgsf] kfngf x'g] u/L cfjZos cfGtl/s gLlt, k|lqmof, tyf lgoGq0f k|0ffnLsf] th'{df u/L

nfu' ug'{ kg]{5 . To;n] slDtdf ;DklQ z'4Ls/0f lgjf/0f P]g @)^$ -;+zf]wg ;lxt_, ;DklQ

z'4Ls/0f lgjf/0f lgod @)^^ sf Joj:yfx¿ ;d]6g' kg]{5 .

#$= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfsf] ;~rfns ;ldltn] slDtdf tLg dlxgfsf] Ps k6s

;DklQ z'4Ls/0f lgjf/0f P]g @)^$ -;+zf]wg ;lxt_, ;DklQ z'4Ls/0f lgjf/0f lgod @)^^ / o;

lgb]{zgsf Joj:yfx¿sf] sfof{Gjogsf] cj:yfsf] af/]df ;dLIff ug'{ kg]{5 . cfly{s jif{ z'? ePsf]

klxnf] dlxgfsf] cfwf/df k|To]s tLg dlxgfdf To:tf] ;dLIff ljQLo hfgsf/L OsfOdf k]z ug'{

kg]{5 .

#%= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfx¿n] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL

ug]{ ;DaGwL ck/fwsf] lgoGq0f ;DaGwdf cfjZos ;"rgfx¿ cfk;df cfbfg k|bfg ug'{ kg]{5 .

#^= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfx¿n] oL gLlt, k|lqmof tyf lgoGq0fsf ;+oGqx¿sf]

sfof{Gjog eP gePsf] k/LIf0f ug]{ ;DaGwdf cfjZos ;|f]t tyf :jtGq n]vfk/LIf0f -gd'gf

k/LIf0f ;d]t_ ;DaGwL Joj:yf ug'{ kg]{5 .

#&= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfx¿n] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df x'g] nufgL

lgoGq0f ug{ ljsl;t eO{ /x]sf ;+oGqx¿ / ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df k|of]u eO{

/x]sf tl/sf / k|j[ltx¿, ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df x'g] nufgL ;DaGwL ck/fw

lgoGq0f ug{ ag]sf sfg"gsf] sfo{Gjog ug{ k"/f ug'{ kg]{ bfloTj, u|fxs klxrfg k|lqmof / z+sf:kb

sf/f]jf/sf] ljj/0f k7fpg] ;d]tsf af/]df cfˆgf sd{rf/Lx¿nfO{ cfjZos tflnd Pjd\ hfgsf/L

lbg] Joj:yf lg/Gt/ ?kdf ug'{ kg]{5 .

#*= d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfx¿n] sd{rf/L 5gf}6 ubf{ pko'Qm dfkb08 ;lxtsf] 5gf}6

k|lqmof cjnDjg ug'{ kg]{5 .

kl/R5]b — !^

sf/jfxL / ;hfo

#(= o; lgb]{zgsf] s'g}klg Joj:yfsf] pNn+3g ug]{ JolQm÷;+:yf÷kbflwsf/L sf/jfxLsf] eflubf/

x'g]5 .

$)= o; lgb]{zgsf] Joj:yf sfof{Gjog gug]{ ;+:yfx¿nfO{ ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( /

;f] cGt/ut ag]sf lgod, ljlgod adf]lhdsf] hl/jfgf jf tf]lsPsf cGo sf/jfxL x'g]5 .

$!= bkmf $) adf]lhdsf P]g lgod tyf ljlgodx¿df hl/jfgf tyf sf/jfxLsf ;DaGwdf :ki6 pNn]v

gePsf] cj:yfdf ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ tyf ;f] cGtu{t hf/L

ePsf] lgod, ljlgod, lgb]{zg jf cfb]z adf]lhd tf]lsPsf] ;dodf ljQLo hfgsf/L OsfO{nfO{

ljj/0f pknAw gu/fpg] d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfx¿nfO{ pQm ;DklQ z'4Ls/0f

lgjf/0f P]g @)^$ -;+zf]wg ;lxt_ sf] bkmf #! adf]lhd g]kfn /fi6« a}+sn] hl/jfgf ug{ ;Sg]5 .

236

o; lgb]{zgsf] cg';"rL @ / # adf]lhdsf] ljj/0f k7fpbf b]xfo adf]lhdsf] 7]ufgfdf k7fpg' kg]{5 .

g]kfn /fi6« a}+s, ljQLo hfgsf/L OsfO{

afn'jf6f/, sf7df08f}

kmf]gM $$!(*)$,$$!(*)%,$$!(*)& -Ext. $!$,$!&,$!*_

km\ofS;M $$$!)%!, Od]nM [email protected]

mailto:[email protected]

237

-O=k|f=kl/kq ;+Vof @* -s_ sf] k|of]hgsf] nflu_

cg';"rL !

u|fxssf] d"NofÍg k4lt -klxrfg_ sfod ug]{ sfo{ljlw M

-s_ k"/f gfd / 7]ufgf

-v_ gful/stfsf] k|df0fkq, /fxbfgL, /fli6«otf v'Ng] kl/rokq, -ef/tLo d'b|fdf x'g] vl/b ljqmLdf_

-u_ /fxbfgL / k|j]zf1fsf] k|ltlnlk -kl/jTo{ ljb]zL d'b|fdf x'g] vl/bdf_

-3_ :yfO{÷c:yfoL 7]ufgf

-ª_ 6]lnkmf]g gDa/ M

-r_ ;6xL ul/g] /sdsf] ;|f]t

-5_ cfjZostf cg';f/ u|fxs;Fusf] cGt/jftf{

-h_ cGo cfjzos sfuhftx¿ -;DalGwt ;+:yf :jo+n] tf]Sg ;Sg]

238


cg';"rL @

Threshold Transaction Report (TTR) Form for MSBs

Name of Reporting Institution:

S.N. Name and address of the customer(including legal

person) Branch

Date of Transaction

Nature of Transaction

Account Type and

No.

Amount Involved

Source of Fund

Remarks

Signature : (Compliance Officer or authorized officer) Name : Designation : Phone : Email : Fax : Date :

239


cg';"rL #

Suspicious Transaction Report and Internal Record Form for Money Changers


S.

N

Name and address of the

Customer (with passport

number & visa or citizenship, or national Id,

etc.)

Name and address of

the sendor (with

passport number & visa or citizenship, or

national Id,etc.)

Date of

Transaction

Source

of

Money

Amount

Involved

in

NPR

Reasons

for

Suspicion

Signature

for

Internal

Recording

Remarks

Signature : (Chief/Authorized Person) Name : Designation : Phone : Email : Fax : Date :

240

-v_ ljk|]if0f tyf d'b|f :yfgfGt/0f ;DaGwL sfo{ ug]{ ;+:yfx¿nfO{ lgb]{zg M

kl/R5]b — !

kl/efiff

!= ljifo jf k|;Ën] csf]{ cy{ gnfu]df of] lgb]{zgdf M

-s_ æu|fxs d"NofÍg k4ltÆ eGgfn] o; lgb]{zgdf tf]s] adf]lhdsf] u|fxs d"NofÍg k4lt

-Customer Due Diligence_ nfO{ ;Demg' kb{5 .

-v_ ælxtflwsf/LÆ eGgfn] s'g} u|fxssf] dflns jf clGtd?kdf lgoGq0f ug]{ k|fs[lts JolQm

-h;sf] nflu nfe k'Ug] u/L sf/f]jf/ ul/G5_ ;Demg' kb{5 . of] zAbn] s'g} sfg"gL JolQm jf

Joj:yfkgnfO{ lgoGq0fdf /fVg] clGtd clwsf/ k|of]u ug]{ JolQmnfO{ ;d]t hgfpF5 .

-u_ æljQLo hfgsf/L OsfOÆ eGgfn] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ sf]

bkmf ( adf]lhd u7g ePsf] ljQLo hfgsf/L OsfOnfO{ ;Demg' kb{5 .

-3_ æpRr kb:y JolQmÆ eGgfn] g]kfn jf s'g} ljb]zL d'n'sdf /fhg}lts, Joj;foLs,

;fdflhs, ljQLo, k|zf;lgs, Jofkfl/s, cf}Bf]lus If]qdf pRr txdf sfo{/t jf sfo{

ul/;s]sf, pRr ;fj{hlgs lhDd]jf/Ldf /x]sf jf /lx;s]sf /fi6« k|d'v, ;/sf/ k|d'v,

dGqL, pRr kb:y lghfdtL, k|x/L tyf ;}lgs sd{rf/L, ;/sf/L :jfldTjdf /x]sf ;+:yfg

tyf :jfoQ ;+:yfsf kbflwsf/L, lghL If]q tyf ;fdflhs If]qsf pRr kb:y kbflwsf/L,

/fhlglts bnsf pRr kb:y g]tfx¿ ;Demg' kb{5 . of] zAbn] To:tf JolQmsf kl/jf/sf

;b:o tyf glhssf ;xof]uL ;d]tnfO{ hgfpF5 .

-ª_ æFATFÆ eGgfn] kmfOgflG;on PS;g 6f:s kmf];{ -Financial Action Task Force_ ;Demg'

kb{5 .

-r_ æljB'tLo dfWodaf6 :yfgfGt/0fÆ eGgfn] ljB'tLo dfWodsf] k|of]u u/L s'g} a}+s, ljQLo

;+:yf, ljk|]if0f, :yfgfGt/0fsf] sfo{ ug]{ ;+:yf dfkm{t s'g} JolQmsf] /sd Ps :yfgaf6 csf]{

:yfgdf k7fpg] sfo{nfO{ ;Demg' kb{5 . -o;/L /sd k7fpg] / k|fKt ug]{ JolQm Pp6} jf

cnu cnu x'g ;Sb5g ._

-5_ æpTklQstf{Æ eGgfn] vftfjfnf jf vftf geP klg s'g} a}+s, ljQLo ;+:yf, ljk|]if0f /

:yfgfGt/0f sfo{ ug{] ;+:yfnfO{ Ps :yfgaf6 csf]{ :yfgdf ljB'tLo dfWodaf6 /sd

:yfgfGt/0f ug{ cg'/f]w ug]{ JolQm ;Demg' k5{ .

-h_ æck/flws cfh{gÆ eGgfn] k|ToIf jf ck|ToIf?df s'g} ck/flws sfo{af6 k|fKt ePsf]

;DklQ jf cfly{s nfe ;Demg' kb{5 . ;fy}, of] zAbn] To:tf] ;DklQaf6 a9] j9fPsf] jf

k"0f{ jf cf+lzs ?kn] :j?k kl/jt{g u/]sf] ;DklQnfO{ ;d]t hgfpF5 .

kl/R5]b — @

gLlt, k|lqmof / cEof;

@= ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ;DaGwL sfo{sf] lgoGq0f Pjd\ lg/f]k0fsf

nflu ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -k|yd ;+zf]wg @)^* ;lxt_, ;DklQ z'4Ls/0f lgjf/0f

lgodfjnL, @)^^ / o; lgb]{zgn] tf]s] adf]lhd ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{

;+:yfn] cfjZos gLlt, k|lqmof / cEof;sf] th{'df tyf sfof{Gjo ug'{ kg]{5 .

#= bkmf @ adf]lhd nfu' ul/Psf] gLlt, k|lqmof / cEof;df cfˆgf] Joj;fo tyf sf/f]jf/sf] dfqf tyf

k|s[lt emNsg] u/L tof/ ug'{ kg]{5 . ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{

241

;DaGwL ck/fw x'g] hf]lvd sd 5 egL ;+:yfn] /fi6« a}+sdf lgj]bg lbPdf /fi6« a}+sn] hf]lvddf

cfwfl/t eO{ o; lgb]{zgsf] sfof{Gjog ug{df cfjZos 5'6 lbg ;Sg]5 .

$= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] tof/ ug]{ gLlt, k|lqmof / cEof;df slDtdf

b]xfosf ljifosf ;DaGwdf cfjZos tyf pko'Qm Joj:yf ug'{ kg]{5

-s_ hf]lvddf cfwfl/t k|lqmof ;lxt u|fxssf] u|fxs d"NofÍg k4lt -Customer Due Diligence_

nfO{ cfjZostf cg';f/ nfu' ug]{,

-v_ u|fxssf] cBfjlws clen]v sfod ug]{,

-u_ sf/f]jf/ tyf cGo ljj/0f ;'/lIft /fVg],

-3_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ tyf o; lgb]{zgsf] bkmf $# cg';f/

ljQLo hfgsf/L OsfOdf ;Ldf ;DaGwL sf/f]jf/ ljj/0f k7fpg],

-ª_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_, ljQLo hfgsf/L OsfOaf6 hf/L

ul/Psf lgb]{zg tyf o; lgb]{zgsf] bkmf $& n] tf]s] cg'?ksf z+sf:kb sf/f]jf/sf] ljj/0f

ljQLo hfgsf/L OsfOdf k7fpg],

-r_ o; lgb]{zgsf] kfngf ug{ cfjZos kg]{ cfGtl/s gLlt, k|lqmof, k|0ffnL / lgoGq0fsf

pkfox¿sf] th{'df ug]{ .

%= g]kfn aflx/ s'g} zfvf jf ;xfos sDkgL dfkm{t sf/f]jf/ ul//x]sf ;+:yfn] o; lgb]{zg, ;DklQ

z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgoGq0f ;DaGwL k|rlnt sfg"g tyf lgodx¿nfO{

To:tf sf/f]jf/sf ;DaGwdf klg nfu' ug'{ kg]{5 . To:tf] :yfgdf /x]sf zfvf jf ;xfos sDkgLnfO{

;DklQ z'4Ls/0f lgjf/0f P]g @)^$ -;+zf]wg ;lxt_, ;DklQ z'4Ls/0f lgjf/0f lgodfjnL, @)^^ /

o; lgb]{zgsf] sfof{Gjogdf s'g} k|ltjGw jf Jojwfg ePdf ;f]sf] hfgsf/L g]kfn /fi6« a}+snfO{ lbg'

kg]{5 .

kl/R5]b — #

hf]lvddf cfwfl/t k|0ffnLsf] k|of]u u/L u|fxs d"NofÍg

k4lt -Customer Due Diligence_ sfod ug]{

^= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] ug]{ u|fxs d"NofÍg k4lt -Customer Due

Diligence_ n] b]xfosf s'/fx¿ ;dfj]z ug'{ kg]{5 M

-s_ u|fxs / u|fxssf] lxtflwsf/Lsf] klxrfg ug]{,

-v_ u|fxs / u|fxssf] lxtflwsf/Lsf] af/]df cfjZos ;"rgf ;+sng ug]{ / cfjZostf cg';f/

u|fxssf] hf]lvd ljj/0f tof/ ug]{,

-u_ gofF u|fxsx¿ :jLsf/ ug]{ gLlt nfu' ug]{,

-3_ u|fxs / u|fxssf] lxtflwsf/Lsf] ;"rgf tyf ljj/0f lgoldt?kdf cBfjlws ug]{,

-ª_ u|fxssf] sf/f]jf/sf] ljj/0f tyf lgh;Fusf] ;DaGwnfO{ lgoldt?kdf cg'udg ug]{ .

&= hf]lvdsf cfwf/df cyf{t pRr hf]lvddf /x]sf u|fxssf] nflu kl/is[t tyf sd hf]lvddf /x]sf

u|fxssf] nflu ;fdfGo u|fxs d"NofÍg k4lt nfu' ug'{ kg]{5 . hf]lvddf cfwfl/t u|fxs d"NofÍg

k4lt nfu' ug]{ ;DaGwdf o; lgb]{zgsf] kl/R5]b !! / !@ df yk :ki6 ul/Psf] 5 .

kl/R5]b — $

u|fxssf] klxrfg

*= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] a]gfdL tyf sfNklgs gfddf sf/f]jf/ ug]{ jf

ug{ vf]Hg] s'g} klg JolQm;Fu sf/f]jf/ ug{ x'b}g .

(= ;+:yfn] cfkm\gf u|fxs tyf lxtflwsf/Lsf] jf:tljs kl/ro yfxf kfpg' kg]{5 . u|fxs eGg] zJbn]

b]xfosf JolQmx¿nfO{ hgfpF5 M

242

-s_ Joj;flos ;DaGw ePsf,

-v_ Ps k6s jf k6s] ?kdf o; lgb]{zgsf] bkmf $# df tf]lsPsf] ;Ldf jf ;f] eGbf a9L

sf/f]jf/ ug]{,

-u_ o; lgb]{zgsf] kl/R5]b !# df pNn]v eP cg'?ksf] ljB'tLo dfWodaf6 :yfgfGt/0fsf]

sfo{df ;+nUg,

-3_ sf/f]jf/ ubf{ s'g} ;dodf ;f] JolQm ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL

;DaGwL sfo{df ;+nUg ePsf] jf x'g ;Sg] cfz+sf /x]sf] sf/f]jf/ jf Joj;fodf ;+nUg

ePsf] .

!)= ;+:yfn] b]xfosf s'g} klg ;dodf u|fxssf] pko'Qm klxrfg sfod ug{ cfjZos kl/ro lng] /

;f]sf] plrt k/LIf0f ug'{ kg]{5 .

-s_ Joj;flos ;DaGwsf nflu cg'/f]w ubf{,

-v_ lgZrt ;Ldf leqsf] k6s] sf/f]jf/ ubf{,

-u_ ljB'lto dfWodaf6 /sd :yfgfGt/0f ubf{,

-3_ s'g} JolQm z+sf:kb sf/f]jf/ jf sfo{df ;+nUg ePsf] kfOPdf,

-ª_ s'g} JolQmsf] ;DaGwdf klxn] g} k|fKt ul/;s]sf] klxrfg ;DaGwL sfuhftdf s'g} z+sf jf

låljwf pTkGg ePdf .

!!= ;+:yfn] k|fs[lts JolQmsf] ;DaGwdf klxrfg sfod ubf{ ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/

ug]{ ;+:yfn] o; lgb]{zgsf] cg';"rL—! df pNn]v u/] cg"?ksf sfuhft, tYofÍ, ;"rgfx¿ k|fKt

u/L ;f] nfO{ :jtGq / e/kbf]{ ;|f]taf6 k'li6 ug'[{ kg]{5 .

!@= sfg"gL JolQm jf ;+:yfkgfx¿sf] ;DaGwdf klxrfg sfod ubf{ o; lgb]{zgsf] cg';"rL—! df pNn]v

u/] cg"?ksf sfuhft, tYofFÍ, ;"rgfx¿ k|fKt u/L ;f]nfO{ :jtGq / e/kbf]{ ;|f]taf6 k'li6 ug'{

kg]{5 .

!#= ;j} k|fs[lts tyf sfg"gL JolQmsf] klxrfg :yfkgf ug]{ sfuhft tyf hfgsf/Lx¿sf] k|ltlnlk a'‰g

;lsg] lsl;dn] Jojl:yt u/L /fVg' kg]{5 .

kl/R5]b — %

u|fxssf] lxtflwsf/Lsf] lgwf{/0f

!$= s'g} u|fxsn] Ps jf Ps eGbf j9L lxtflwsf/Lsf] nflu sf/f]jf/ ul//x]sf] s'/f ;'lglZrt ug{sf

nflu ;+:yfn] cfjZos dfkb08x¿ lgwf{/0f ug'{ kg]{5 . olb s'g} u|fxssf] lxtflwsf/L ePdf ljk|]if0f

tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] To:tf lxtflwsf/Lsf] klxrfgsf] nflu cfkm" ;Gt'i6

x'g]u/L cfjZos ;"rgf tyf tYofÍ ljleGg ;|f]taf6 k|fKt u/L ;f]sf] k'li6 ;d]t ug'{ kg]{5 .

lxtflwsf/Lsf] ;DaGwdf k|fKt ul/g] ;"rgf o; lgb]{zgsf] cg';"rL—! df tf]lsP cg"?k x'g'kg]{ 5 .

!%= sfg"gåf/f lgodg ul/Psf lwtf]kq ahf/df ;'rLs[t kaLns lnld6]8 sDkgL, ;DklQ z'4Ls/0f tyf

cft+sjfbL sfo{df ljQLo nufgL lgoGq0f ;DaGwL cGt/f{li6«o dfkb08 nfu' u/]sf] d'n'ssf

sfg"gåf/f lgodg tyf ;'k/Lj]If0f ul/Psf lwtf]kq ahf/df ;"lrs[t ePsf ljb]zL sDkgLx¿sf]

xsdf o; lgb]{zgsf] cg';"rL—! df pNn]v ePsf sfuhft / ljj/0fsf cltl/Qm cGo yk hfgsf/L

cfjZos kg]{ 5}g . ;+:yfn] ;DalGwt d'n'sn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo

nufgL lgoGq0f ;DaGwL cGt/f{li6«o dfkb08 nfu' u/] gu/]sf] s'/f Financial Action Task Force

(FATF), Asia/Pacific Group on Money Laundering (APG) h:tf / ;f]xL k|sf/sf cGo If]qLo ;+:yfx¿,

International Monetary Fund, / World Bank h:tf cGt/f{li6«o ;+:yfx¿åf/f j]j;fO6df k|sflzt

l/kf]6{ tyf ljj/0fx¿sf cfwf/df lgwf{/0f ug{ ;Sg]5g .

243

!^= cGo sfg"gL JolQm tyf ;+:yfkgx¿sf ;Gbe{df To:tf] u|fxssf] jf:tljs wgL jf lgoGq0fdf /fVg]

k|fs[lts jf sfg"gL JolQmsf] af/]df b]xfo adf]lhdsf] hfgsf/L lng' kg]{5 M

-s_ bkmf !# sf] Joj:yf cg"?k s'g} sDkgL, ;Lldt bfloTj ePsf] ;fem]bf/L kmd{, jf o:t}

k|sf/sf] cGo ;+:yfkgfx¿sf ;DaGwdf b]xfo adf]lhdsf k|To]s k|fs[lts JolQmsf] ljj/0fM

-!_ aL; k|ltzt eGbf j9L z]o/ vl/b u/]sf] jf dtbfgsf] clwsf/ k|fKt u/]sf],

-@_ sDkgL, ;Lldt bfloTj ePsf] ;fem]bf/L kmd{, jf o:t} k|sf/sf] cGo ;+:yfkgfx¿sf]

Joj:yfkgdf ;+nUg,

-#_ sfg"gL JolQm jf ;+:yfkgfsf] lgoGq0f ug]{ jf lgoGq0fsf] clwsf/ k|of]u ug]{ .

-v_ u'7L jf o:t} k|sf/sf ;+:yfkgfsf ;DaGwdf ;f]sf] ;~rfns, 6«i6L / lxtflwsf/Lsf] klxrfg

sfod ug]{ .

!&= z]o/ :jfy{sf] ck|ToIf :jfldTjsf] :yflkt ubf{ b]xfosf] cfwf/df ug'{ kg]{5 M

-s_ sDkgL, ;LldtbfloTj ePsf] ;fem]bf/L kmd{, jf o:t} k|sf/sf] cGo ;+:yfkgf / u'7Ln] wf/0f

u/]sf] z]o/df ;dfg'kflts ?kdf To:tf] ;+:yfsf] z]o/xf]N8/, ;fem]bf/ cyjf lxtflwsf/L,

-v_ kl/jf/sf] ;b:on] wf/0f u/]sf] z]o/sf] ;DaGwdf kl/jf/sf] k|To]s ;b:on] wf/0f u/]sf]

z]o/ -kl/jf/ eGgfn] cfˆg} jf em6\s]nf bfh' efO{, lbbL alxgL, klt kTgL, xh'/af, xh'/

cfdf / gflt gfltgfnfO{ hgfpF5 ._

!*= ;Dj4 ;j} ;"rgfsf] tyf hfgsf/Lx¿sf] k|ltlnlk a'em\g ;lsg] lsl;dn] Jojl:yt u/L /fVg' kg]{5 .

kl/R5]b — ^


!(= ;+:yfn] cfkm\gf k|To]s u|fxsdf lglxt hf]lvdsf] ljj/0f o; lgb]{zg cg'?ksf] u|fxs d"NofÍg k4lt

k"/f ug{ ;lsg] u/L /fVg' kg]{5 . o:tf] ljj/0fdf u|fxssf] af/]df kof{Kt hfgsf/L x'g'sf ;fy} pQm

u|fxsn] ;+:yf;Fu /fVg vf]h]sf] ;DaGw / cfjZos eP /sd tyf ;DklQsf] ;|f]tsf] af/]df ;d]t

pNn]v ug{' kg]{5 .

kl/R5]b — &

gofF u|fxssf] :jLsf/

@)= o; lgb]{zg adf]lhd cfˆgf] jf lxtflwsf/Lsf] kl/ro v'nfpg jf k'li6 x'g g;Sg] jf hf]lvd ljj/0f

tof/ ug{ kof{Kt ;"rgf ;+sng ug{ g;lsg] s'g} JolQmnfO{ u|fxssf] ?kdf :jLsf/ ug{ x'b}g . o:tf]

cj:yfdf ;+:yfn] ljQLo hfgsf/L OsfO{n] hf/L u/]sf] lgb]{zg / o; lgb]{zgsf] bkmf $& cg';f/

z+sf:kb sf/f]jf/sf] ?kdf lnO{ ;f]sf] ljj/0f k7fpg' kg]{5 .

kl/R5]b — *

u|fxssf] ;"rgf lg/Gt/?kdf sfod /fVg]

@!= ;+:yfn] cfkm\gf u|fxsx¿sf] ;DaGwdf lg/Gt/ cfjZos ;"rgf / ljj/0f ;+sng u/L /fVg' kg]{5 .

u|fxs d"NofÍg k4lt -CDD_ k|lqmof cGt/ut ;+sng ul/Psf sfuhft, tYof+s, jf ;"rgfx¿

lglZrt ;dodf cfjZos ;dLIff u/L ;f]sf] ljj/0f Jojl:yt tl/sfn] /fVg' kg]{5 .

kl/R5]b — (

u|fxssf] sf/f]jf/sf] lg/Gt/?kdf cg'udg ug]{

@@= ;+:yfn] cfkm\gf u|fxsx¿sf] sf/f]jf/ / pgLx¿;Fusf] ;DaGwsf] lg/Gt/ cg'udg ug'{ kg]{5 . o:tf]

cg'udgn] klxrfg u/] cg'?k g} u|fxsn] sf/f]jf/ u/] gu/]sf] s'/f tyf u|fxssf] hf]lvd ljj/0f,

244

cfjZostf cg';f/ /sd jf ;DklQsf] ;|f]t tyf klxn] g} lgwf{/0f ul/Psf] /sd jf sf/f]jf/sf]

;Ldf / k|sf/ ;d]tnfO{ ;d]6g' kg]{5 .

@#= ;+:yfn] ;j} h6Ln sf/f]jf/, cfly{s / sfg"gL p2]Zo gePsf c:jefljs?kn] 7"nf b]lvg] jf

c:jefljs k|s[ltsf sf/f]jf/nfO{ ljif]z lgu/fgLsf ;fy x]g'{ kg]{5 . o:tf sf/f]jf/sf] p2]Zo tyf

cfwf/x¿ kQf nufO{ To:tf] hfgsf/L lnlvt ?kdf /fVg' kg]{5 . o:tf] hfgsf/L ljQLo hfgsf/L

OsfO, n]vfk/LIfs Pjd\ cGo ;Ifd lgsfon] k/LIf0f ug{ ;Sg] u/L kfFr jif{ ;Dd ;'/lIft /fVg'

kg]{5 . s'g} sf/f]jf/nfO{ cfly{s / sfg"gL p2]Zo gePsf c:jefljs?kn] 7"nf jf c:jfefljs

k|s[ltsf sf/f]jf/ egL kQf nufO{ ;s]kl5 To:tf] sf/f]jf/nfO{ ljQLo hfgsf/L OsfOn] hf/L u/]sf]

lgb]{zg / o; lgb]{zgsf] bkmf $& cg';f/ z+sf:kb sf/f]jf/sf] ?kdf k7fpg' kg]{5 .

kl/R5]b — !)

u|fxs;Fusf] ;DaGwsf] ;dflKt

@$= ;+:yfn] s'g} gofF u|fxssf] o; lgb]{zg cg'?ksf] u|fxs d"NofÍg k4lt ;DkGg ug{ g;Sg] cj:yf

ljBdfg ePdf To:tf u|fxs;Fusf] ;DaGwnfO{ ;dfKt u/L To:tf] sf/f]jf/nfO{ ljQLo hfgsf/L

OsfOn] hf/L u/]sf] lgb]{zg / o; lgb]{zgsf] bkmf $& cg';f/ z+sf:kb sf/f]jf/sf] ?kdf k7fpg'

kg]{5 .

kl/R5]b — !!

pRr hf]lvdo'Qm u|fxsx¿sf nflu kl/is[t u|fxs

d"NofÍg k4lt -Enhanced CDD_ cjnDjg ug]{

@%= ;+:yfn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ;DaGwL ck/fwsf] pRr hf]lvddf

/x]sf, /fhgLlts ?kdf k|efjzfnL JolQmx¿ -PEPs_ / cfdg] ;fdg] geO{ sf/f]jf/ ug]{ u|fxsx¿sf

nflu kl/:s[t u|fxs d"NofÍg k4lt -Enhanced CDD_ cjnDjg ug'{ kg]{5 . kl/:s[t u|fxs d"NofÍg

k4lt -Enhanced CDD_ n] cGo s'/fsf cltl/Qm ;DklQsf] ;|f]t / sf/f]jf/ /sdsf] ;|f]tnfO{ klg

;dfj]z ug'{ kg]{5 .

@^= pRr hf]lvddf /x]sf u|fxsnfO{ klxrfg k|lqmofsf] x/]s r/0fdf kl/:s[t u|fxs d"NofÍg k4lt

-Enhanced CDD_ nfu' ug'{ kg]{5 .

@&= ;+:yfsf] Joj:yfkg txsf] dflyNnf] clwsf/Ln] l:js[lt glbP;Dd pRr hf]lvddf /x]sf

u|fxsx¿;Fu ;DaGw :yfkgf ug{ x'b}g .

@*= b]xfosf] cfwf/df s'g} u|fxs pRr hf]lvddf /x]sf] lgwf{/0f ug{' kg]{5 .

-s_ cfdg] ;fdg] eO afx]s cGo tl/sfn] ;DaGw :yfkgf ePsf],

-v_ u}/ cfjf;Lo, jf To:tf] JolQmsf] /fli6«otf, xfn a;f]af; /x]sf] d'n's jf klxn]sf] a;f]af;

/x]sf] d'n's ;d]tsf cfwf/df ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL

;DaGwL ck/fwsf] pRr hf]lvddf /x]sf] :yfgsf u|fxs,

-u_ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ;DaGwL ck/fwsf] lgoGq0fdf

pko'Qm :t/ sfod ug{ g;s]sf] d'n's jf If]q;Fu ;DalGwt u|fxs,

-3_ /fhgLlts ?kdf k|efjzfnL JolQmx¿ -PEPs_ jf ltgsf kl/jf/sf ;b:o tyf ;DalGwt

JolQm,

-ª_ w]/} g]6jy{ ePsf], /sd jf ;DklQsf] ;|f]t k|i6 gePsf] jf lghL a}+lsË Joj;fodf ;+nUg

ePsf] u|fxs,

-r_ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ;DaGwL ck/fwdf ;+nUg x'g ;Sg]

z+sf:kb Joj;fodf ;+nUg ePsf] u|fxs,

245

-5_ JolQmut ;DklQ wf/0f ug]{ ;fwgsf] ?kdf /x]sf] sfg"gL JolQm jf ;+:yfkgf,

-h_ k|i6 cfly{s tyf sfg"gL p2]Zo ljgf g} hl6n k|s[ltsf] :jfldTj ;+/rgf ePsf sfg"gL

JolQm jf ;+:yfkgf,

-em_ gf]ldgL z]o/xf]N8/ jf wf/s z]o/ ePsf] sDkgL,

-`_ cTolws e|i6frf/ /x]sf] egL lrlgPsf] d'n's jf cGo o:t} cfwf/df pRr hf]lvddf /x]sf]

b]zsf u|fxs,

-6_ gubsf] j9L k|of]u x'g] Joj;flos sf/f]jf/df ;+nUg ePsf If]qsf u|fxsx¿ .

@(= bkmf @* -s_ df pNn]lvt cfdg] ;fdg] geO{ x'g] sf/f]jf/n] cGo s'/fsf cltl/Qm b]xfosf

sf/f]jf/nfO{ cfwf/ lng' kg]{5 M

-s_ OG6/g]6af6 :yflkt ;DaGw jf o:t} cGo k|sf/n] h:tf] x'nfs dfkm{t :yflkt ;DaGw,

-v_ OG6/g]6af6 k|bfg ul/g] ;]jf tyf sf/f]jf/,

-u_ ATM sf] k|of]u u/L ul/g] sf/f]jf/,

-3_ 6]lnkmf]g a}+lsË,

-ª_ km\ofS; jf cGo o:t} k|sf/sf dfWodaf6 lgb]{zg jf lgj]bg lbO ePsf sf/f]jf/,

-r_ klxn] g} e'QmfgL u/]sf, gjLs/0f ug{ ldNg] jf s'g} vftf;Fu hf]l8Psf sf8{ dfkm{t ul/g]

/sd lgisf;g jf e'QmfgL ;DaGwL sf/f]jf/

#)= cfdg] ;fdg] geO{ x'g] sf/f]jf/df ul/g] kl/is[t u|fxs d"NofÍg k4ltdf b]xfosf ljifo ;d]6\g'

kg]{5 M

-s_ gf]6/L jf cGo ljZjf; of]Uo JolQmn] k|dfl0ft u/]sf] sfuhft

-v_ k|ToIf?kdf sf/f]jf/ ul/g] u|fxs;Fu dfu ul/g] sfuhftsf cltl/Qm yk sfuhftsf] k|flKt

-u_ :jtGq?kdf u|fxs;Fu ;Dks{ :yfkgf ug]{ k|lqmofsf] ljsf;

#!= /fhgLlts ?kdf k|efjzfnL JolQmx¿ -PEPs_ sf] lgwf{/0f b]xfo adf]lhdsf] k|lqmofaf6 ug{' kg]{5 M

-s_ ;Defljt u|fxs;Fu k|fKt ul/g] ;Dj4 ;"rgfsf] cfwf/df,

-v_ ;fj{hlgs?kdf pknJw ;"rgfsf] cfwf/df,

-u_ pknAw ePsf /fhgLlts ?kdf k|efjzfnL JolQmx¿ -PEPs_ sf] tYof+s -Data Base_ df

kx'Fr :yflkt u/]/ .

#@= kl/is[t u|fxs d"NofÍg k4lt k|of]u ubf{ ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn]

ln+u, j0f{, /+u, a}jflxs ;DaGw, wd{, jf /fli6«otfsf] cfwf/df u}/ sfg"gL e]befj x'g glbg] tkm{

cfjZos ;ts{tf ckgfpg' kg]{5 .

kl/R5]b — !@

sd hf]lvdo'Qm u|fxsx¿sf nflu ;/n u|fxs

d"NofÍg k4lt cjnDjg ug{ ;Sg]

##= ;+:yfn] cfkm'n] u/]sf] lnlvt hf]lvd d"NofÍgsf cfwf/df sd hf]lvdo'Qm u|fxssf] ;/n u|fxs

d"NofÍg k4lt cjnDjg ug{ ;Sg]5g . o:tf] k4lt cjnDjg ubf{ cfjZos kg]{ sfuhft / hf]lvd

lgwf{0fsf cfwf/x¿ af/]df g]kfn /fi6« a}+saf6 hfgsf/L dfu eO{ cfPdf pknJw u/fpg' kg]{5 .

#$= ;fdfGotof ;j} u|fxsx¿sf nflu o; lgb]{zgdf pNn]lvt u|fxs d"NofÍg k4lt cjnDjg ug{'

kg]{5 . s]xL kl/l:yltx¿df ha ;+:yfn] u/]sf] d"NofÍgdf ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df

ljQLo nufgL ug]{ hf]lvd sd /x]sf], ;DalGwt u|fxs / lxtflwsf/Lsf] af/]df ;fj{hlgs ?kdf g}

hfgsf/L pknJw ePsf], jf /fli6«o k|0ffnLdf pko'Qm lgoGq0f / k/LIf0fsf] Joj:yf /x]sf] cj:yfdf

;/n u|fxs d"NofÍg k4lt cjnDjg ug{ ;lsg]5 .

246

#%= hf]lvd sd ePsf u|fxs, sf/f]jf/ jf pTkfbgx¿sf] pbfx/0fsf] ?kdf b]xfo adf]lhdsf u|fxs,

sf/f]jf/ jf pTkfbgx¿ kg{ ;Sg]5g M

-s_ cGo lgodgdf /x]sf ;+:yfx¿ -g]kfn /fi6« a}+sn] ;'kl/j]If0f ug]{_

-v_ o; lgb]{zgsf] bkmf !% df pNn]v eP cg'?k pko'Qm lgodg / ;'kl/j]If0f cGt/ut /x]sf

ljb]zL ljQLo ;+:yfx¿

-u_ g]kfn lwtf]kq af]8{n] lgodg ug]{ :6s PS;r]Ghdf ;"lrs[t ePsf] klAns sDkgL / ljQLo

hfgsf/L OsfOn] l:js[t u/]sf / k|sfzg -Disclosure_ ;DaGwL pko'Qm lgodg /

;'kl/j]If0f cGt/ut /x]sf ljb]zL :6s PS;r]Ghdf ;"lrs[t ePsf kaLns sDkgLx¿

-3_ ? !),))).– eGbf sd jflif{s sf/f]jf/ ePsf ;fgf u|fxsx¿

#^= bkmf #% sf] v08 -v_ / -u_ df pNn]v ePsf u}/ cfjf;Lo tyf ljb]zL sDkgLx¿sf] xsdf To:tf

sDkgLx¿ /x]sf] :yfg jf d'n'sn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{

sfo{nfO{ lgoGq0f ug]{ ;DaGwdf /x]sf cGt/f{li6«o dfkb08x¿sf] kfngf u/]sf] x'g'kg]{ 5 . ;+:yfn]

;DalGwt d'n'sn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ sfo{nfO{ lgoGq0f ug]{

;DaGwdf /x]sf cGt/f{li6«o dfkb08x¿sf] kfngf u/] gu/]sf] ;DaGwdf lgwf{/0f ubf{ g]kfn /fi6«

a}+sn] k|sflzt u/]sf] ;"lr jf k|ltj]bg, FATF, APG, IMF, World Bank h:tf lgsfox¿sf

j]j;fO{6df k|sfzg ePsf ljj/0fsf cfwf/df ug'{ kg]{5 .

#&= g]kfn /fi6« a}+sn] s'g} d'n's jf If]qn] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{

sfo{nfO{ lgoGq0f ug]{ ;DaGwdf /x]sf cGt/f{li6«o dfkb08x¿sf] kfngf gu/]sf] egL hfgsf/L

u/fPsf], jf ljZj:t :jtGq ;"rgfx¿sf cfwf/df ;DalGwt ;+:yfn] g} ;DklQ z'4Ls/0f tyf

cft+sjfbL sfo{df ljQLo nufgL ug]{ sfo{nfO{ lgoGq0f ug]{ ;DaGwdf /x]sf cGt/f{li6«o

dfkb08x¿sf] kfngf gu/]sf] egL kQf nufPsf], jf cGo s'g} sf/0fn] ;f] ;DaGwL hf]lvd /x]sf]

egL z+sf ug'{ kg]{ sf/0f ePsf :yfgdf cfwfl/t u|fxssf] xsdf eg] ;/n u|fxs d"NofÍg k4lt

nfu' ug{ x'b}g .

kl/R5]b — !#

ljB'tLo dfWodaf6 ul/g] :yfgfGt/0f -Wire Transfer_ ;DaGwL gLlt / k|lqmof

#*= ;+:yfn] cfkm"n] k|fKt ug]{ ;j} ljB'tLo dfWodaf6 ul/g] :yfgfGt/0fsf] ;DaGwdf pTklQstf{sf] k"0f{

;"rgf k|fKt ug]{ / ;f]sf] ;Totf k'li6 ug]{ ug{' kg]{5 .

#(= pTklQstf{sf] k"0f{ ;"rgfdf b]xfosf s'/fx¿ ;dfj]z ug'{ kg]{5 M

-s_ pTklQstf{sf] gfd

-v_ pTklQstf{sf] vftf gDj/ -vftf gDj/ gePsf] cj:yfdf 5'§} klxrfg gDj/_

-u_ pTklQstf{sf] kl/rokq gDj/ jf 7]ufgf

$)= pTklQstf{sf] k"0f{ ljj/0f gePsf ljB'tLo ljk|]if0fsf] e'QmfgL lbg] ;+:yfn] To:tf] sf/f]jf/nfO{

;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ sfo{sf] hf]lvdo'Qm /x]sf] dfGg' kg]{5 .

o:tf] cj:yfdf ;DalGwt ;+:yfn] ;j eGbf klxn] cfb]z lbg] ;+:yfaf6 pTklQstf{sf] ;DaGwdf 5'6

ljj/0f dfu ug'{ kg]{5 . olb 5'6 ljj/0f k|fKt gePdf pTklQstf{sf] k"0f{ ljj/0fsf] cefjdf To:tf]

jf ;Dj4 sf/f]jf/nfO{ z+sf:kb sf/f]jf/sf] ?kdf lnO{ ;f]sf] ljj/0f ljQLo hfgsf/L OsfOnfO{ lbg'

kg]{5 . o;sf cltl/Qm ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] To:tf] sf/f]jf/ ug{

OGsf/ klg ug{ ;Sg]5 . pko'{Qm cj:yfdf e'QmfgL lbg] ;+:yfn] o; lgb]{zgsf] kfngf gug]{

;+:yf;Fu sf/f]jf/ ug{ k|ltjGw nufpg] jf ;DaGw ;dfKt ug{ klg ;Sg]5 .

247

kl/R5]b — !$

clen]v ;'/lIft tl/sfn] /fVg]

$!= ;+:yfn] :jb]zL tyf ljb]zL ;j} sf/f]jf/ tyf ljQLo hfgsf/L OsfOnfO{ k7fPsf ;Ldf tyf

z+sf:kb sf/f]jf/x¿sf] clen]v sf/f]jf/ ePsf] ldltn] slDtdf kfFr jif{;Dd ;'/lIft ?kdf /fVg'

kg]{5 . of] Joj:yf ;DaGw jf sf/f]jf/ rfn' /x]sf jf ;dfKt ePsf b'j} cj:yfdf nfu' x'g]5 .

$@= sf/f]jf/sf] ljj/0f k|To]s sf/f]jf/ k"0f{ klxrfg ug{ ;lsg] / cfjZos kbf{ kmf}hbf/L cleof]udf

cleof]hg ubf{ k|df0fdf lng ;Sg] lsl;dn] /fVg' kg]{5 . To:tf] sf/f]jf/ ljj/0fdf b]xfosf s'/fx¿

;dfj]z ug'{ kg]{5 M

-s_ u|fxssf] -lxtflwsf/L ;d]t_ sf] gfd, 7]ufgf M -klxrfg ;DaGwL cGo dWo:yåf/f /flvPsf]

ljj/0f_

-v_ sf/f]jf/sf] k|s[lt / ldlt

-u_ k|of]u ePsf] d'b|fsf] k|sf/ / dfqf

-3_ sf/f]jf/df k|of]u ePsf] vftf gDj/ / ;f]sf] k|sf/

kl/R5]b — !%

;Ldf sf/f]jf/ ljj/0f k7fpg' kg]{

$#= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] b]xfosf ;Ldf leqsf] ?k}ofFF tyf ;f] j/fj/sf]

ljb]zL d'b|fsf] sf/f]jf/sf] ljj/0f To:tf] sf/f]jf/ ePsf] ldltn] !% lbg leq cg';'rL – @ sf]

9fFrfdf ljQLo hfgsf/L OsfO{ ;dIf k]z ug'{ kg]{5 .

-s_ ljk|]if0f / :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] b]xfosf] ljj/0f ljQLo hfgsf/L

OsfO{nfO{ k7fpg' kg]{5 .

-!_ s'g} u|fxsn] Ps} k6s jf k6s k6s u/L Ps lbgdf u/]sf] ?=!) nfv jf ;f]

eGbf j9Lsf] gub /sdsf] sf/f]jf/

-@_ s'g} u|fxsnfO{ Ps} k6s jf k6s k6s u/L Ps lbgdf u/]sf] ?=!) nfv jf ;f]

eGbf j9L /sd g]kfndf e'QmfgL u/]sf] jf g]kfnsf] ;Ldf jf/kf/ x'g] u/L u/]sf]

ljk|]if0f jf :yfgfGt/0fsf] sf/f]jf/

$$= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] tf]lsPsf] ;Ldf eGbf a9Lsf] sf/f]jf/ ug]{

u|fxs, To:tf] sf/f]jf/ jf /sdsf] ;|f]t ;d]t pNn]v u/L 5'§} /lhi6/ v8f u/L /fVg' kg]{5 .

$%= olb s'g} sf/f]jf/ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ p2]Zon] ul/Psf] egL

nfu]df To:tf] sf/f]jf/ dfly pNn]lvt ;Ldf eGbf dflysf] eP jf geP klg ljQLo hfgsf/L OsfOn]

hf/L u/]sf] lgb]{zg / o; lgb]{zgsf] bkmf $& cg';f/ z+sf:kb sf/f]jf/sf] ?kdf klg ljQLo

hfgsf/L OsfOdf k7fpg kg]{5 .

$^= bkmf $# / $% cg'?ksf ljj/0fx¿ ljQLo hfgsf/L OsfOn] tf]s] adf]lhd ljB'tLo jf cGo

dfWodaf6 k7fpg ;lsg]5 .

kl/R5]b — !^

z+sf:kb sf/f]jf/sf] ljj/0f k7fpg]

$&= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$

-;+zf]wg ;lxt_ sf] bkmf & cg'?k s'g} /sd b]xfo adf]lhd /x]sf] z+sf nfu]df jf z+sf ug'{ kg]{

kof{Kt cfwf/ ePdf ;f]sf] ljj/0f ljQLo hfgsf/L OsfOdf k7fpg' kg]{5 .

248

-s_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ n] tf]s]sf] ck/fw jf ck/flws

cfh{g;Fu hf]l8Psf] jf ;DalGwt /x]sf], jf

-v_ ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ n] tf]s] adf]lhd cft+safb,

cft+sjfbL sfo{, cft+sjfbL ;+u7g, jf cft+sjfbL sfo{df nufgL;Fu hf]l8Psf] jf ;DalGwt

/x]sf] .

-u_ ljQLo hfgsf/L OsfOn] hf/L u/]sf] lgb]{zgdf tf]lsPsf cfwf/df z+sf:kb b]lvPsf] .

$*= ;j} z+sf:kb /sd tyf sf/f]jf/ / sf/f]jf/sf] k|of; ;d]tsf] ljj/0f k7fpg' kg]{5 . ljj/0f k7fpg]

bfloTj cGo s'g} lsl;dn] 5'6 x'g] 5}g .

$(= ;+:yfn] z+sf:kb b]lvg] lalQSs} z+sf:kb sf/f]jf/sf] ljj/0f oyfzSo rfF8f] k7fpg' kg]{5 .

%)= ;+:yfn] z+sf:kb sf/f]jf/ jf ;f]sf] k|of; ;d]tsf] ljj/0fdf o; lgb]{zgsf] cg';"rL # df lbOPsf]

9fFrfdf ljQLo hfgsf/L OsfOdf k7fpg' kg]{5 .

kl/R5]b — !&

cglws[t JolQmnfO{ ;"rgf lbg k|ltjGw / bfloTjaf6 ;+/If0f

%!= ;"rgf lbg] jf bfloTjaf6 ;+/If0f ;DaGwdf b]xfo adf]lhd x'g]5 M

-s_ ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yf, ;f]sf ;~rfns, kbflwsf/L /

sd{rf/Lx¿ -:yfO{ / c:yfO{_ s;}n] klg ljQLo hfgsf/L OsfOdf k7fPsf] ;Ldf jf

z+sf:kb sf/f]jf/ jf ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL ug]{ ;DaGwL

ck/fwsf] ;DaGwdf ePsf] jf eO{/x]sf] cg';Gwfg jf cGo ;Dj4 ;"rgfx¿ v08 -v_ df

pNn]v ePsf] cj:yfdf / k|rlnt sfg"gn] tf]s]sf] cj:yfdf afx]s s'g} klg lsl;dn] JoQm

ug'{ jf k|s6 ug{' x'Fb}g

-v_ ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfn] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$

-;+zf]wg ;lxt_ sf] s'g} Joj:yfsf] sfof{Gjog ul//x]sf] lgsfon] dfu u/]sf avt To:tf]

hfgsf/L k|s6 ug'{ kg]{5

-u_ s;}n] ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ sf] k|zf;gsf] nflu afx]s

z+sf:kb sf/f]jf/sf] ljj/0f tof/ ug]{, ljQLo hfgsf/L OsfO jf cGo ;/sf/L lgsfonfO{

;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ug]{ sfo{sf] nflu ljj/0f

k7fpg] JolQmsf] kl/ro jf kl/ro v'Ng ;Sg] s'g} klg s'/f ;+s]t jf k|s6 ug'{ x'b}g

-3_ s;}n] klg Gofosf] k|of]hgsf nflu cfjZos ePsf] egL Gofolwz jf d'2f x]g]{ clwsf/Ln]

k|s6 ug{ cfb]z lbPsf]df afx]s z+sf:kb sf/f]jf/sf] ljj/0f jf ;f]df ;dfj]z ePsf cGo

hfgsf/L jf ;f];Fu k|bfg ul/Psf cGo hfgsf/L, To:tf] ljj/0f tof/ ug]{, ljj/0f k7fpg]

JolQmx¿sf] kl/ro jf kl/ro v'Ng ;Sg] s'g} klg ljj/0f k|s6 ug{ x'b}g .

%@= ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_, lgod @)^^ tyf o; lgb]{zgsf] Joj:yf

cg'?k ;blgot ;fy ljj/0f k7fPsf] jf hfgsf/L lbPsf] sf/0fn] s'g} klg ;"rs ;+:yf jf To;sf

;~rfns, kbflwsf/L, ;fem]bf/, k]zfut Joj;foL jf sd{rf/LnfO{ a}+lsË jf cGo s'g} klg k]zfut

uf]Kotf e+u u/]sf] cf/f]kdf s'g} klg kmf}hbf/L, b]jfgL, cg'zf;gfTds jf k|zf;sLo sf/jfxL x'g]

5}g .

249

kl/R5]b — !*

cfGtl/s gLlt, k|lqmof, k|0ffnL / lgoGq0f

%#= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfx¿n] o; lgb]{zgsf] kfngf x'g] u/L cfjZos

cfGtl/s gLlt, k|lqmof, tyf lgoGq0f k|0ffnLsf] th'{df u/L nfu' ug'{ kg]{5 . To;n] slDtdf ;DklQ

z'4Ls/0f lgjf/0f P]g @)^$ -;+zf]wg ;lxt_, ;DklQ z'4Ls/0f lgjf/0f lgod @)^^, o; lgb]{zgsf

Joj:yfx¿sf] sfof{Gjogsf] Joj:yfkg ug]{ Joj:yfksLo :t/sf] sfof{Gjog clws[t lgo'Qm ug]{

Joj:yfx¿ ;d]6g' kg]{5 .

%$= sfof{Gjo clws[t tyf cGo ;Dj4 sd{rf/Ln] u|fxs klxrfg tyf u|fxs klxrfg k4lt cg'?ksf

ljj/0f, sf/f]jf/sf] ljj/0f, / cGo ;Dj4 hfgsf/Lx¿ ;dod} k|fKt ug{ ;Sg] Joj:yf ug'{ kg]{5 .

sfof{Gjog clws[tn] :jtGq?kdf sfo{ ug]{ tyf p;sf] cfˆgf] ;'k/Lj]Ifs eGbf dflyNnf] txsf]

clwsf/L jf ;~rfns ;ldlt jf ;dfg :t/sf] cGo s'g} ;ldlt ;dIfsf] kx'FrnfO{ ;'lglZrt ug'{

kg]{5 .

%%= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfx¿n] sfof{Gjog clws[tsf] gfd, 7]ufgf,

of]Uotf, ;Dks{ gDj/, Od]n nufotsf ljj/0f g]kfn /fi6« a}+s, ljb]zL ljlgdo Joj:yfkg ljefu

tyf ljQLo hfgsf/L OsfO{ ;dIf k7fpg' kg]{5 .

%^= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfsf] ;~rfns ;ldltn] slDtdf tLg dlxgfsf]

Ps k6s ;DklQ z'4Ls/0f lgjf/0f P]g @)^$ -;+zf]wg ;lxt_, ;DklQ z'4Ls/0f lgjf/0f lgod

@)^^, o; lgb]{zgsf Joj:yfx¿sf] sfof{Gjogsf] cj:yf af/]df ;dLIff ug'{ kg]{5 . cfly{s jif{ z'?

ePsf] klxnf] dlxgfsf] cfwf/df k|To]s tLg dlxgfdf To:tf] ;dLIff ljQLo hfgsf/L OsfOdf k]z

ug'{ kg]{5 .

%&= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfx¿n] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df

ljQLo nufgL ug]{ ;DaGwL ck/fwsf] lgoGq0f ;DaGwdf cfjZos ;"rgfx¿ cfk;df cfbfg k|bfg

ug'{ kg]{5 .

%*= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfx¿n] oL gLlt, k|lqmof tyf lgoGq0fsf

;+oGqx¿sf] sfof{Gjog eP gePsf] k/LIf0f ug]{ ;DaGwdf cfjZos ;|f]t tyf :jtGq n]vfk/LIf0f

-gd'gf k/LIf0f ;d]t_ ;DaGwL Joj:yf ug'{ kg]{5 .

%(= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfx¿n] ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df

x'g] nufgL lgoGq0f ug{ ljsl;t eO{ /x]sf ;+oGqx¿ / ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df

k|of]u eO{ /x]sf tl/sf / k|j[ltx¿, / ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df x'g] nufgL ;DaGwL

ck/fw lgoGq0f ug{ ag]sf sfg"gsf] sfo{Gjog ug{ k"/f ug'{ kg]{ bfloTj, u|fxs klxrfg k|lqmof /

z+sf:kb sf/f]jf/sf] ljj/0f k7fpg] ;d]tsf af/]df cfk\mgf sd{rf/Lx¿nfO{ cfjZos tflnd Pjd\

hfgsf/L lbg] Joj:yf lg/Gt/ ?kdf ug'{ kg]{5 .

^)= ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfx¿n] sd{rf/L 5gf}6 ubf{ pko'Qm dfkb08

;lxtsf] 5gf}6 k|lqmof cjnDjg ug'{ kg]{5 .

kl/R5]b — !(

sf/jfxL / ;hfo

^!= o; lgb]{zgsf] s'g}klg Joj:yfsf] pNn+3g ug]{ JolQm÷;+:yf÷kbflwsf/L sf/jfxLsf] eflubf/ x'g]5 .

^@= o; lgb]{zgsf] Joj:yf sfof{Gjog gug]{ ljk|]if0f tyf :yfgfGt/0f ;DaGwL sf/f]jf/ ug]{ ;+:yfx¿nfO{

ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( / ;f] cGt/ut ag]sf lgod, ljlgod adf]lhdsf] hl/jfgf

jf tf]lsPsf cGo sf/jfxL x'g]5 .

250

^#= bkmf ^@ adf]lhdsf P]g lgod tyf ljlgodx¿df hl/jfgf tyf sf/jfxLsf ;DaGwdf :ki6 pNn]v

gePsf] cj:yfdf ;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ tyf ;f] cGtu{t hf/L

ePsf] lgod, ljlgod, lgb]{zg jf cfb]z adf]lhd tf]lsPsf] ;dodf ljQLo hfgsf/L OsfO{nfO{

ljj/0f pknAw gu/fpg] ljk|]if0f, :yfgfGt/0f tyf d'b|f ;6xL ;DaGwL sf/f]jf/ ug]{ ;+:yfx¿nfO{

pQm ;DklQ z'4Ls/0f lgjf/0f P]g @)^$ -;+zf]wg ;lxt_ sf] bkmf #! adf]lhd g]kfn /fi6« a}+sn]

hl/jfgf ug{ ;Sg]5 .

o; lgb]{zgsf] cg';"rL @ / # adf]lhdsf] ljj/0f k7fpbf b]xfo adf]lhdsf] 7]ufgfdf k7fpg' kg]{5 .

g]kfn /fi6« a}+s, ljQLo hfgsf/L OsfO

afn'jf6f/, sf7df08f}

kmf]gM $$!(*)$,$$!(*)%,$$!(*)& -Ext. $!$,$!&,$!*_

km\ofS;M $$$!)%!, Od]nM [email protected]

mailto:[email protected]

251

-O=k|f=kl/kq ;+Vof @*-v_ sf] k|of]hgsf] nflu_

cg';"rL !

u|fxssf] d"NofÍg k4lt -klxrfg_ sfod ug]{ sfo{ljlw

-s_ k"/f gfd / 7]ufgf

-v_ gful/stfsf] k|df0fkq, /fxbfgL, /fli6«otf v'Ng] kl/rokq -ef/tLo d'b|fdf x'g] :yfgfGt/0f tyf e'QmfgLdf_

-u_ /fxbfgL / k|j]zf1fsf] k|ltlnlk -ljb]zL d'b|fdf x'g] :yfgfGt/0f tyf e'QmfgLdf_

-3_ :yfO{÷c:yfoL 7]ufgf

-ª_ 6]lnkmf]g gDa/ -ePdf pNn]v ug]{_

-r_ :yfgfGt/0f ul/g] /sdsf] ;|f]t

-5_ /sd k7fpg] / k|fKt ug]{ aLrsf] ;DaGw

-h_ /sd k7fpg] / k|fKt ug]{ p2]Zo

-em_ /sd k7fpg] / k|fKt ug]{sf] kqfrf/ ug]{ 7]ufgf

-`_ cfjZostf cg';f/ u|fxs;Fusf] cGt/jftf{

-6_ cGo cfjZos sfuhftx¿ -;DalGwt ;+:yf :jo+n] tf]Sg ;Sg]

252

-O=k|f=kl/kq ;+Vof @* -v_ sf] k|of]hgsf] nflu_

cg';"rL @

Threshold Transaction Report (TTR) Form for MSBs


S.N. Name and address of the customer(including legal

person) Branch

Date of Transaction

Nature of Transaction

Account Type and

No.

Amount Involved

Source of Fund

Remarks

Signature :

(Compliance Officer or authorized officer)

Name :

Designation :

Phone :

Email :

Fax :

Date :

253

-O=k|f=kl/kq ;+Vof @* -v_ sf] k|of]hgsf] nflu_

cg';"rL #



S.

N

Name and address of the

Customer (with passport number & visa or

citizenship, or national Id,

etc.)

Name and address of

the sendor (with passport number &

visa or citizenship, or

national Id,etc.)

Date of

Transaction

Source

of

Money

Amount

Involved in

NPR

Reasons

for

Suspicion

Signature

for Internal

Recording

Remarks

Signature :

(Chief/Authorized Person)

Name :

Designation :

Phone :

Email :

Fax :

Date :

254

-u_ ;"rLs[t ePsf cft+ssf/L JolQm, ;d"x jf ;Ë7g ;DaGwL ;"rgf tyf hfgsf/L xfl;n ug'{kg]{

;DaGwL lgb]{zg M

;"rLs[t ePsf cft+ssf/L JolQm, ;d"x jf ;Ë7g ;DaGwL cBfjlws hfgsf/L xfl;n ug{'kg]{

;DaGwdf b]xfo adf]lhd ug{' u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ n]

lbPsf] clwsf/ k|of]u u/L Ohfhtkqk|fKt æsÆ, ævÆ, æuÆ / æ3Æ ju{sf a}+s tyf ljQLo ;+:yf,

ljk|]if0f sDkgL, dlgr]Gh/, 6«fen, 6';{, 6«]lsË, xf]6n, Po/nfOG;, lhP;P÷lkP;P, sfuf]{, s'l/o/

tyf Ohfhtkqk|fKt cGo ;a} lgsfox¿nfO{ of] lgb]{zg hf/L ul/Psf] 5 M

;DklQ z'4Ls/0f lgjf/0f P]g, @)^$ -;+zf]wg ;lxt_ sf] bkmf @(ª= sf] pkbkmf -!_ adf]lhd ;+o'Qm

/fi6« ;+3sf] ;'/Iff kl/ifb\af6 kfl/t lg0f{o adf]lhd ;"rLs[t ePsf cft+ssf/L JolQm, ;d"x jf

;Ë7gsf] cBfjlws ;"rL g]kfn ;/sf/, k//fi6« dGqfnon] cfˆgf] j]j;fO6df /fVg] u/]sf] / ;f]

;"rLdf /x]sf cft+ssf/L JolQm, ;d"x jf ;Ë7gsf] ;DklQ jf sf]if /f]Ssf /fVg ;f]xL bkmfsf]

pkbkmf -@_ / -#_ adf]lhd g]kfn ;/sf/, u[x dGqfnon] cfb]z hf/L u/L j]a;fO6df k|sfzg

ug'{kg]{ Joj:yf /x]sf] x'Fbf ;f]xL bkmfsf] pkbkmf -$_ adf]lhd Ohfhtkqk|fKt ;+:yfx¿n] lgoldt

?kdf j]j;fO6 x]/L k|sflzt ;"rLdf plNnlvt JolQm, ;d"x jf ;Ë7gx¿sf] af/]df cBfjlws

hfgsf/L xfl;n u/L ;f]xL ;"rgf adf]lhd ug{' u/fpg' kg]{5 .

255

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M@(÷@)&^

ljljw Joj:yf

! ;fKtflxs ;l~rlt ljj/0f k7fpg] ;DaGwL Joj:yf

a}+s tyf laQLo ;+:yfx¿af6 ;fKtflxs ?kdf k7fpg] u/]sf]] ljb]zL ljlgdo ;l~rlt ;DaGwL

ljj/0fnfO{ Ps?ktf agfpg tyf ljb]zL ljlgdo ;l~rlt ;DaGwL l/kf]l6ª sfo{nfO{ yk ;/n ug]{

p2]Zon] o;};fy ;+nUg cg';"rL @(=! / @(=@ adf]lhdsf] ljj/0f tof/ u/L xKtf ;dfKt ePsf]

tLg sfo{ lbgleq o; ljefusf] nufgL zfvfdf k]z ug]{ Joj:yf ug{ ljb]zL ljlgdo -lgoldt ug]{_

P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L] Ohfhtkqk|fKt æsÆ /

/fli6«o:t/sf ævÆ ju{sf a}+s tyf ljQLo ;+:yfx¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

@= Gold Quest ;DaGwdf .

g]kfn ;/sf/, u[x dGqfnosf] ldlt @)%(.!).@@ sf] ;"rgf adf]lhd Gold Quest gfds ;+:yfn]

g]kfn clw/fHosf] laleGg :yfgdf ;~rfng u/L /fv]sf] sf/f]jf/ of]hgf (Scheme) u}/sfg"gL

ePsf]n] pQm ;+:yf;Fu ;DalGwt s'g} klg ljb]zL ljlgdo sf/f]jf/ gug{÷gu/fpg ljb]zL ljlgdo

-lgoldt ug]{ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf !@ n] lbPsf] clwsf/ k|of]u u/L of] kl/kq hf/L

ul/Psf] 5 .

#= ;fj{hlgs ljbfdf ljb]zL ljlgdo sf/f]jf/ ug]{ af/] .

ljb]zL ljlgdo sf/f]jf/ ug{ o; a}+ssf] Ohfhtkq lnPsf a}+s÷ljQLo ;+:yfx¿n] ;fj{hlgs

labfsf lbgx¿df / cGo lbgx¿df klg sfof{no ;do cl3 / kl5 ljb]zL ljlgdo sf/f]jf/ ug{

rfx]df ;f]sf] nflu o; ljefuaf6 5'§} cg'dlt lnO{ /xg' gkg]{ Joj:yf ul/Psf] x'Fbf ;f]xL adf]lhd

ug'{÷u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf]

clwsf/ k|of]u u/L] Ohfhtkqk|fKt æsÆ / /fli6«o:t/sf ævÆ ju{sf ljsf; a}+sx¿nfO{ of] kl/kq

hf/L ul/Psf] 5 .

$= cfoftsf] nflu ljb]zL d'b|fdf Loan Book ug{ kfpg] Joj:yf ;DaGwdf .

Jofkfl/s kmd{÷sDkgLn] k|tLtkq dfkm{t cfoft ug]]{ ;fdfgsf] e'StfgL ug]{ /sd;Dd b]xfo jdf]lhd

kl/jTo{ ljb]zL d'b|fdf Loan Book ug{ kfpg] Joj:yf ul/Psf] x'Fbf ;f]xL adf]lhd ug'{÷u/fpg' x'g

g]kfn /fi6« a}+s, a}lsË sfof{no nufot cGo sfof{no / Ohfhtkqk|fKt æsÆ ju{sf a+}sx¿nfO{

ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L

of] kl/kq hf/L ul/Psf] 5 .

-s_ ljb]zaf6 ;fdfg cfoft ug]{ Jofkfl/s kmd{÷sDkgLn] k|tLtkq dfkm{t cfoft x'g] ;fdfgsf]

nflu k|rlnt Joj:yf adf]lhd kl/jTo{ ljb]zL d'b|f e'StfgL ug{'kg]{ /sd;Ddsf] nflu a9Ldf

() lbg;Dd ;DalGwt a}+s;+u ljb]zL d'b|fdf Loan Book ug{ ;Sg]5g .

-v_ a}+sx¿n] cfkm';+u /x]sf] :jtGq (Free of Charge) kl/jTo{ ljb]zL d'b|f df}Hbftsf] Back-up

df dfq o:tf] shf{ k|jfx ug{ ;Sg]5g .

-u_ o:tf] shf{ k|jfx ug]{ k|of]hgsf] nflu o; a}+saf6 ;6xL dfu ug{ kfO{g] 5}g .

256

-3_ To:tf] shf{ @)&$ a}zfv d;fGt;Dd dfq k|jfx ug{ ;lsg]5 .

-ª_ k|To]s dlxgf o;/L k|jfx u/]sf] shf{sf] ljj/0f a}+ssf] s]Gb|Lo sfof{non] dlxgf Joltt ePsf]

& lbgleq o; ljefudf k]z ug{'kg]{5 .

257

cg';"rL @(=!

............................................ Bank

Weekly Reserve Statement

Data As Of............ In US Dollar

# Net inflows should tally with the sum of total assets (S.N. 1 to 5 i.e., grand total)

Reporting Person :

Designation:

Contact Telephone No. :

Stamp :

S.N. Statement Last week This week Change

1 Cash Balance

2 Agency Bank Balance

2.1 Balance with NRB

2.2 Balance Held Domestically

2.2.1 Balance with other domestic banks

2.2.2 Investments in domestic banks

Sub Total

2.3 Balance Held Abroad

2.3.1 Bank balances

2.3.2 Investments

Sub Total

Total (2.1+2.2+2.3)

3 Other Receivables

4 Clean Bills Purchase

Purchase

Realization

5 Documentary Bills Purchase

Purchase

Realization

Grand Total (1+2+3+4+5)#

6 Import LC Obligation

Open

Payment/Retirement/Cancellation

LC Payable

7 FC Account Balance (Customers' A/C)

8 Forward Liabilities

Purchase

Sale (Liabilities)

258

cg';"rL @(=@

............................................ Bank Detail of Major Inflows and Outflows of Convertible Currencies**

Data As Of............

Inflow Details Amount $ Outflow Details Amount

$ A. Items Affecting the Overall

Reserves of the System

A. Items Affecting the Overall

Reserves of the System

Workers' Remittance Import Payments (Excluding Gold

& Petroleum Product)

Export Proceeds Under LC

Foreign Direct Investment (FDI) Under TT/ Draft

Foreign Commercial Borrowing Gold Import from Overseas

Receipts in NGOs/INGOs A/C Payment/Withdrawal from

Customers' A/C

Receipts in Other Customers A/C Payment under PPA

Cash Purchase from Customers FDI Repatriation

Card Realization Repayment of Foreign Commercial

Borrowings

Other Inflows* Payment under Passport Facility

Payment under Education Facility

Other Services Payments or

Repatriations

Other Outflows*

B. Intra-System Transfers B. Intra-System Transfers

Purchase from NRB Sale to NRB

Purchase from BFIs &

Sale to BFIs &

Borrowing/Placements from BFIs Repayment of Borrowings/Return

of Placements Matured

Gold Sale to Domestic Banks Gold Purchase from Domestic

Banks

Other Transfers from BFIs Other Transfers to BFIs

TOTAL TOTAL

NET INFLOWS #

Reporting Person:

Designation: Contact Telephone No. :

Stamp & The details of interbank purchase and sales (amount, counterparties, value date) to be disclosed in a separate sheet.

* Material items should be disclosed in a separate sheet.

** Inflows and outflows should be Reported on cash basis.

# Net inflows should tally with the sum of total assets (S.N. 1 to 5 i.e., grand total)

259

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


PsLs[t O=k|f= kl/kq M#)÷@)&^

lj=lj=lg=kmf/fd tyf Online Reporting ;DaGwL Joj:yf

-!_ ljb]zL ljlgdo sf/f]jf/ ;DaGwL lgDg lj=lj=lg=kmf/fdx¿ tf]lsP adf]lhdsf] cjlwleq o; a}+sdf

clgjfo{ ?kdf k|]lift ug'{ kg]{ Joj:yf /x]sf]n] ;f]xL adf]lhd ug{'÷u/fpg' x'g ljb]zL ljlgdo -lgoldt

ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u ul/ Ohfhtkqk|fKt ;DalGwt

;a} lgsfox¿nfO{ of] kl/kq hf/L ul/Psf] 5 .

s|=;+= lj=lj=lg

kmf=g+=

kl/kq÷

cg';"rL

ljifo k]z ug'{kg]{ lgsfo cjlw

1 # !=! cfoft k|tLtkq vf]n]sf] ljj/0f ;DalGwt cfoftstf{nfO{ eg{ nufO{

a}+s÷ljQLo ;+:yfn] k]z ug]{ .

b}lgs

2 # æsÆ !=* 8«fk\m6÷l6=l6= ;6xL ;'ljwfsf] lgj]bg b}lgs

3 # ævÆ !=% gub÷8«fk\m6÷l6=l6=;6xL ;'ljwfsf] lgj]bg

-tftf]kfgL eG;f/_

;DalGwt cfoftstf{nfO{ eg{ nufO{

a}+s÷ljQLo ;+:yfn] k]z ug]{ . b}lgs

4 — !=& ltAataf6 cfoft ug{sf] nflu k|bfg ul/Psf]

gub lj=d'=;6xL / a}+s 8«fk\m6÷ l6=l6=sf] ljj/0f

;DalGwt a}+s÷ljQLo ;+:yfn] tof/

u/L k]z ug]{ . kflIfs

5 $ !=@ k}7f/L e'QmfgL k|df0fkq ;DalGwt a}+s÷ljQLo ;+:yfn] tof/

u/L k]z ug]{ . b}lgs

6 $ æsÆ !=( 8«fk\m6÷l6=l6= ;6xL ;'ljwfsf] k}7f/L e'QmfgL

k|df0fkq

;DalGwt a}+s÷ljQLo ;+:yfn]

tof/ u/L k]z ug]{ . b}lgs

7 $ ævÆ !=^ gub÷8«fk\m6÷l6=l6= ;6xL ;'ljwfsf] k}7f/L

e'QmfgL k|df0fkq -tftf]kfgL eG;f/_



8 $ æuÆ !=!) gub÷8«fk\m6÷l6=l6=;6xL ;'ljwf -ef=?_ ;DalGwt a}+s÷ljQLo ;+:yfn]


9 $ æ3Æ !=# qm]l86 (Usance Bill) ;'ljwf cGtu{t x'g]

cfoft .



10 ef=?=@ !=!@ ef/tLo ljdf sDkgLx¿n] l/Kofl6«o;gsf] nflu

cg'/f]w ubf{ k]z ug{'kg]{

;DalGwt ljdf sDkgLnfO{ eg{

nufO{ a}+s÷ljQLo ;+:yfn] k]z ug]{ . lgoldt

11 ef=?=# !=!# ef/tLo jfo';]jfx¿n] l/Kofl6«o;gsf] nflu

cg'/f]w ubf{ k]z ug{'kg]{

;DalGwt jfo';]jfx¿nffO{ eg{ nufO{

a}+s÷ljQLo ;+:yfn] k]z ug]{ . lgoldt

12 ef=?=$ !=!% ef=¿= vl/bsf] ;fKtflxs÷dfl;s ljj/0f ;DalGwt Ohfhtkqk|fKt ;+:yfn]

tof/ u/L k]z ug]{ .

;fKtflxs÷

dfl;s

13 ef=?= % !=!^ ef=¿= ljqmLsf] ;fKtflxs÷dfl;s ljj/0f ;DalGwt Ohfhtkqk|fKt ;+:yfn]

tof/ u/L k]z ug]{ .

;fKtflxs÷

dfl;s

14 — !=$ kl/jTo{ ljb]zL d'b|fdf ;fdfg cfoft ug]{ u/L

vf]lnPsf k|tLtkqx¿sf] ;fKtflxs ljj/0f


u/L k]z ug]{ . ;fKtflxs

15 — #=! ;'g cfoft tyf laqmLsf] dfl;s ljj/0f ;DalGwt a}+s÷ljQLo ;+:yfn] tof/

u/L k]z ug]{ . dfl;s

16 — %=@ lgof{tsf] nflu k|fKt clu|d e'QmfgL /sd dWo]

lkmtf{ ul/Psf] /sdsf] ljj/0f ;DalGwt Ohfhtkqk|fKt lgsfo dfl;s

17 ! %=# lgof{t k|tLtkq vf]n]sf] ljj/0f ;DalGwt a}+s÷ljQLo ;+:yfn] tof/


18 @ %=$ b[io lgof{taf6 x'g] k=lj=d'=sf] cfDbfgL ljj/0f ;DalGwt a}+s÷ljQLo ;+:yfn]

tof/ u/L k]z ug]{ . ;fKtflxs

19 @ -s_ %=% lgof{t e'QmfgL k|fKt x'g gcfPsf] ljj/0f ;DalGwt a}+s÷ljQLo ;+:yfn] tof/

u/L k]z ug]{ . Dffl;s

20 — &=@ /fxbgL afkt ;6xL ;'ljwf ;DalGwt Ohfhtkqk|fKt lgsfo dfl;s

260

s|=;+= lj=lj=lg

kmf=g+=

kl/kq÷

cg';"rL

ljifo k]z ug'{kg]{ lgsfo cjlw

21 — &=# Jofkf/ k|j4{g afkt k|bfg ul/Psf] ;6xL ;'ljwf ;DalGwt Ohfhtkqk|fKt lgsfo dfl;s

22 — &=& g]kfn ;d'b|kf/ lgsf;L k}7f/L ;+3sf] l;kmfl/;df

k|bfg ePsf] ;6xL ;'ljwf


u/L k]z ug]{ . dfl;s

23 — !(=! hnljB't pTkfbg tyf k|;f/0f kl/of]hgfnfO{

k|bfg ul/Psf] C0f ;DaGwdf



24 — !(=@ e'QmfgL ug{ afFsL C0fsf] hfgsf/L ;DalGwt a}+s÷ljQLo ;+:yfn] tof/

u/L k]z ug]{ .

cw{jflif{s /

jflif{s

25 — @)=! Forward sf/f]jf/sf] ;fKtflxs ljj/0f ;DalGwt a}+s÷ljQLo ;+:yfn] tof/


26 — @#=! ljb]zL nufgLstf{sf] nflu hf/L ul/g] k|df0fkq ;DalGwt Ohfhtkqk|fKt a}+sx¿n]

tof/ u/L k]z ug]{ . lgoldt

27 — @#=@ ljb]zL d'b|fdf C0f lelqPsf] k|df0fkq ;DalGwt Ohfhtkqk|fKt a}+sx¿n]

tof/ u/L k]z ug]{ . lgoldt

28 — @%=! Statement Of Inward Remittance (Countrywise Transaction)

/]ld6fG; sf/f]jf/ ug{

Ohfhtkqk|fKt ;Dk"0f{ lgsfox¿n]

tof/ u/L k]z ug]{ .

dfl;s

29 — @%=@ Statement Of Inward Remittance (Companywise Transaction)

/]ld6fG; sf/f]jf/ ug{

Ohfhtkqk|fKt ;Dk"0f{ lgsfox¿ . dfl;s

30 — @&=$ Xf]6n÷6«fen÷6«]lsË Ph]G;Lsf] lj=d'= sf/f]jf/ . ;DalGwt Ohfhtkqk|fKt lgsfo dfl;s

31 — @&=& Indian Currency Purchase/Sales Statement ;DalGwt Ohfhtkqk|fKt lgsfo dfl;s

32 cg';"rL

@ @*-s_

Threshold Transaction Report (TTR) Form

for MSBs

d'b|f ;6xL ;DaGwL sfo{ ug]{

;DalGwt Ohfhtkqk|fKt lgsfo kflIfs

33 cg';"rL

# @*-s_


d'b|f ;6xL ;DaGwL sfo{ ug]{

;DalGwt Ohfhtkqk|fKt lgsfo tTsfn

34 cg';"rL

@ @*-v_

Threshold Transaction Report (TTR) Form for

MSBs

ljk]|if0f tyf d'b|f :yfgfGt/0f

;DaGwL sfo{ ug]{ ;DalGwt

Ohfhtkqk|fKt lgsfo

kflIfs

35 cg';"rL

# @*-v_

Suspicious Transaction Report and Internal Record

Form for MSBs

ljk]|if0f tyf d'b|f :yfgfGt/0f

;DaGwL sfo{ ug]{ ;DalGwt

Ohfhtkqk|fKt lgsfo

tTsfn

36

— @(=! Weekly Reserve Statement ;DalGwt a}+s÷ljQLo ;+:yfn]


37 — @(=@ Detail of Major Inflows and Outflows of

Convertible Currencies



-@_ Online Reporting ;DaGwdf M

ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf # adf]lhd o; a}+saf6 Ohfhtkqk|fKt ljk|]if0f

sf/f]jf/ ug]{ a}+s tyf ljQLo ;+:yf, /]ld6fG; sDkgL, ;6xL sf/f]jf/ ug]{ dlgr]~r/, ljb]zL ljlgdosf]

sf/f]jf/ ug]{ xf]6n, 6«feN;, 6«]lsË, sfuf]{ nufotsf lgsfox¿n] cfkm"n] u/]sf] ljb]zL ljlgdo

sf/f]jf/sf] dfl;s ljj/0f tyf sfuhft o; ljefudf lgoldt ?kdf a'emfpg] Joj:yf /x]sf]df ;f]

sfo{nfO{ ;/nLs[t / Jojl:yt agfpg] p2[]Zon] oxL @)&$ ;fn a};fvb]lvsf] To:tf] ljj/0f clgjfo{

?kdf Online Reporting sf dfWodaf6 dfq k]z ug{' kg]{ Joj:yf ldnfO{Psf] 5 . o; Joj:yfsf]

sfof{Gjogsf] nflu ;a} Ohfhtkqk|fKt ;+:yfsf] cflwsfl/s JolQm klxnf] k6s o; ljefudf cfkm}

pkl:yt tf]lsP jdf]lhdsf] ljj/0f ;lxtsf] kmf/fd a'emfO{ cfkm\gf] User Name / Password k|fKt

u/L ;f]xL adf]lhd Online Reporting ug]{ Joj:yf ug{' u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g,

@)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n] lbPsf] clwsf/ k|of]u u/L of] kl/kq hf/L ul/Psf] 5 . ;fy},

pQm kmf/fd a'emfpFbf Online-Reporting ug]{ t/Lsf af/] ;d]t k|lzIf0f lbOg] Joj:yf ldnfOPsf] 5 .

261

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] k|of]hgsf] nflu hf/L ul/Psf ;fj{hlgs

;"rgfx¿

-!_ k|ToIf j}b]zLs nufgL M k'FhL, C0f, Jofh tyf nfef+; ;DaGwL ;"rgf M

-ldlt @)^*÷!@÷@! sf] ;fj{hlgs ;"rgfnfO{ vf/]h u/L ldlt @)^(÷!)÷( sf] lg0f{ofg';f/ hf/L ul/Psf]_

ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !)s= adf]lhd ljb]zL nufgLstf{n] g]kfndf nufgL

ug]{ pQm P]gsf] bkmf !)v= adf]lhd ljb]zL ljlgdodf C0f lng] tyf pQm P]gsf] bkmf !)u= adf]lhd

ljb]zL d'b|fdf g]kfn aflx/ nufgL lkmtf{ n}hfg] k|of]hgsf nflu b]xfo adf]lhdsf] sfuhft k]z u/L

o; a}+s ;dIf :jLs[ltsf] nfuL k]z ug'{kg]{ ePsf]n] ;DalGwt ;a}sf] nflu of] ;"rgf k|sfzg ul/Psf]

5 .

-s_ ljb]zL nufgLstf{n] g]kfndf nufgL ug]{ ;DaGwdf M

!= ljb]zL nufgLstf{n] g]kfndf nufgL ubf{ ljb]zL nufgL tyf k|ljlw x:tfGt/0f P]g, @)&%

adf]lhd k|lqmof k"/f u/L g]kfn ;/sf/, pBf]u ljefu jf 3/]n' tyf ;fgf pBf]u ljefuaf6

k|fKt :jLs[ltkq

@= ljb]zL nufgLstf{n] g]kfndf nufgL ug{ :jLs[lt k|fKt u/]sf] s'/f ;DalGwt lgodgsf/L

lgsfo tyf ;DalGwt JolQmn] o; a}+snfO{ lbPsf] hfgsf/Lkq

#= nufgL leq\ofpg] ;+:yfsf] lg0f{osf] k|ltlnlk

$= Joj;fo btf{ k|df0fkq, :yfoL n]vf gDa/, s/ r'Qmf u/]sf] cBfjlws ljj/0f / k|jGwkq

tyf lgoddfjnL eP ;f] ;DaGwL sfuhftx¿

%= nufgL leq\ofpg] kmd{, sDkgL jf ;+:yf shf{ ;"rgf s]Gb|sf] sfnf];"rLdf g/x]sf] k|dfl0ft

x'g] sfuhft

^= ljb]zL nufgLstf{n] nufgL ubf{ slDtdf ! jif{ nufgL lkmtf{ gug]{ k|ltj4tf kq7

&= nufgL ug]{ ljb]zL kmd{÷sDkgL÷;+:yfsf] n]vfk/LIfsaf6 k|dfl0ft ljQLo ljj/0f

*= nufgLsf] ;|f]t tyf pQm nufgL g]kfn leq\ofpg] ;do tflnsf (Time Schedule) pNn]v

ePsf] sfuhft

(= cGo s'/fsf] xsdf k|rlnt sfg"g adf]lhd x'g] .

-v_ ljb]zL d'b|fdf C0f lng] ;DaGwdf M

-c_ kmd{,sDkgL jf ;+:yfx¿sf nflu

!= C0f lng] kmd{÷sDkgL÷;+:yf / C0f lbg] kmd{÷sDkgL÷;+:yf jLr ePsf] ;Demf}tf .

@= C0f a}ls+Ë k|0ffnLaf6 k|fKt x'g] k|ltj4tf kq

#= ljb]zaf6} C0f lng'kg]{ cfjZostf k'li6 x'g] sfuhft

$= ;DalGwt kmd{÷sDkgL÷;+:yfsf] lg0f{osf] k|ltlnlk

%= C0f lng] kmd{÷sDkgL÷;+:yfsf] lgofds lgsfosf] :jLs[ltkq

^= Joj;fo btf{ k|df0fkq, :yfoL n]vf gDa/, s/ r'Qmf u/]sf] cBfjlws ljj/0f /

k|jGwkq tyf lgoddfjnL eP ;f] ;DaGwL sfuhftx¿

7ldlt @)&)÷%÷@^ sf] lg0f{ofg';f/ bkmf ^, &, / * yk ePsf]

262

&= C0f lng] kmd{, sDkgL jf ;+:yf shf{ ;"rgf s]Gb|sf] sfnf];"rLdf g/x]sf] k|dfl0ft x'g]

sfuhft

*= C0f r'Qmf ug]{ cfwf/ v'Ng] sfuhft

(= C0f pkof]u ug]{ If]q v'Ng] sfuhft

!)= ljlgdo hf]lvdsf] ;+efjgf / To;nfO{ Jojl:yt ug]{ cfwf/ v'Ng] sfuhft

!!= ljb]zaf6 C0f lng rfxg] g]kfnL sDkgLx¿n] ljb]zaf6 lng] C0fsf] Jofh lgwf{/0f

ubf{ a9Ldf k|rlnt jflif{s Libor Rate df dgfl;j lk|ldod b/ yk u/L Jofhb/

sfod u/]sf] x'g' kg]{5

!@= ljb]zaf6 C0f leq\ofpg pBf]uL, JolQm, kmd{, sDkgL tyf ;+3 ;+:yfn] ljb]zaf6

lnOg] elgPsf] C0f g]kfns} jfl0fHo a}+s tyf ljQLo ;+:yfx¿af6 cfjZos kl/df0f /

Jofhb/df lng g;Sg] cj:yf ;[hgf ePsf] s'/f lgj]bgdf lj:t[t ?kdf pNn]v ePsf]

x'g'kg]{58

!#= ljb]zl:yt a}+s tyf ljQLo ;+:yfx¿af6 C0f k|fKt ug{ sl7gfO ePdf ljb]zl:yt

;DalGwt b]zsf] ;/sf/ jf s]Gb|Lo a}+s jf cGo lgofds lgsfoaf6 shf{ k|jfx ug{

:jLs[lt k|fKt u/]sf] ljQ sDkgL jf ljQLo ;+:yfx¿af6 shf{ lng' kg]{ . To:tf]

;+:yfx¿af6 klg shf{ k|fKt ug{ sl7gfO{ ePdf o; a}+sn] tf]s]sf] zt{x¿sf] cwLgdf

/xL ljb]zL ;+:yf÷sDkgLx¿af6 klg shf{ lng ;Sg] t/ o;/L shf{ ln+bf shf{ k|bfg

ug]{ ljb]zL ;+:yf÷sDkgLsf] n]vfk/LIfsaf6 k|dfl0ft ljQLo ljj/0f tyf shf{sf] ;|f]t

Pjd\ pQm shf{ Nofpg] tyf lkmtf{ n}hfg] ;do tflnsf (Time Schedule) pNn]v

ePsf] sfuhft k]z ug{' kg]{59

!$= ;a} lsl;dsf] shf{ ln+bfsf] Jofhb/ cGt/f{li6«o k|rlnt Jofhb/;Fu ;fd~h:o /fVg]

lsl;dsf] x'g'kg]{510

!%= cGt/f{li6«o ljQLo ;+:yfx¿ ljZj a}+s, IFC, ADB h:tf ;b:o ePsf cGt/f{li6«o tyf

If]lqo ;+:yfx¿n] gLlh If]qnfO{ k|bfg ug]{ C0fsf] xsdf o; a}+sn] lg0f{o u/] cg'?k

x'g]5 11

!^= a'Fbf g+= -!#_ df pNn]lvt ;+:yfaf6 C0f ln+bf C0fsf] Jofhb/ a9Ldf One Year Libor

rate+upto 5.5% leq x'g'kg]{512

!&= C0f lng] :jLs[ltsf] nflu lgj]bg lb+bf ;f] C0f k|fKt ug]{ / ltg]{ ;do tflnsf

(Repayment – Schedule) ;+nUg x'g'kg]{513

pko{'Qm ljj/0fx¿ ;lxt k|fKt x'g] lgj]bgpk/ o; a}+sn] cfjZos cWoog u/L pko'Qm

b]lvPdf C0f lng :jLs[tL lbg]5 / o;/L :jLs[tL lbFbf a}+sn] cfjZos b]lvPdf zt{x¿

klg tf]Sg ;Sg]5 . To;/L tf]lsPsf zt{x¿ kfngf ug'{ lgj]bs kmd{, sDkgL jf ;+:yfsf]

st{Jo x'g]5 .

8 ldlt @)&)÷!÷@# sf] lg0f{ofg';f/ a'Fbf !@ yk ePsf] 9 ldlt @)&).!.@# sf] lg0f{onfO{ ldlt @)&)÷%÷@^ sf] lg0f{oaf6 ;+zf]wg eO{ sfod x'g cfPsf] 10 ldlt @)&)÷!÷@# sf] lg0f{ofg';f/ a'Fbf !$ yk ePsf] 11 ldlt @)&)÷!÷@# sf] lg0f{ofg';f/ a'Fbf !% yk ePsf] 12

ldlt @)&).!.@# sf] lg0f{onfO{ @)&)÷%÷@^ sf] lg0f{oaf6 ;+zf]wg eO{ sfod x'g cfPsf] 13

ldlt @)&)÷%÷@^ sf] lg0f{oaf6 yk ePsf]

263

-cf_ g]kfnL gful/s, kmd{ tyf ;+:yfx¿n] ljb]zaf6 C0f lng kfpg] ;DaGwdf M g]kfnL gful/s,

kmd{ tyf ;+:yfx¿n] cfˆgf] Joj;fo ug{ jf eO/x]sf] Joj;fo lj:tf/ ug{ o; a}+ssf] k"j{

:jLs[lt lnO{ ljb]zdf /x]sf cfk\mgf gft]bf/, cGo JolQm, u}/ cfjf;Lo g]kfnL jf ;+3

;+:yfaf6 b]xfosf zt{x¿sf] cwLgdf /xL cd]l/sL 8n/ % nfv;Dd / ef/tsf] xsdf %

s/f]8 ef/tLo ?k}ofF;Dd C0f lng ;Sg] Joj:yf ul/Psf] 5 .14

!= lgj]bsn] xfn ul//x]sf] jf ug]{ Joj;fosf] lsl;d / C0f pkof]u ug]{ af/] :ki6 of]hgf

k]z ug'{ kg]{5,

@= o:tf] C0f ljgf Jofh pknAw x'g' kg]{5,

#= o:tf] C0fsf] e'QmfgL cjlw Go"gtd % jif{sf] x'g'kg]{5,

$= o:tf] C0f cf}krfl/s -a+}lsË_ dfWodaf6 cfpg' kg]{5,

%= C0fLn] k|fKt u/]sf] C0f ;dod} r'Qmf ug]{ cfwf/ lgj]bg ;fy k]z ug'{ kg]{5,

^= k|rlnt sfg''g / Joj:yfn] lgif]w u/]sf If]q jf Joj;fo afx]ssf If]qdf dfq o:tf]

C0f lng kfOg] 5,

&= 3/hUuf Joj;fo -Real Estate_ / lwtf]kq sf/f]af/sf] nflu o:tf] C0f pkof]u ug{

kfOg] 5}g .

-O_ g]kfnL kmd{, sDkgL,pBf]u jf cGo ;+:yfx¿n] cfˆg} sDkgLsf ljb]zL JolQmut

nufgLstf{{af6 ljb]zL d'b|fdf C0f lng] ;DaGwdf15

!= cfˆg} sDkgLsf ljb]zL JolQmut nufgLstf{{af6 g]kfndf C0f nufgL ug]{ ;DaGwdf

ljb]zL nufgL tyf k|ljlw x:tfGt/0f P]g, @)&% adf]lhd k|lqmof k"/f u/L cfˆgf]

lgofds lgsfo jf g]kfn ;/sf/, pBf]u dGqfno, pBf]u ljefu jf 3/]n' tyf ;fgf

pBf]u ljefuaf6 k|fKt :jLs[ltkq . @= C0f lng] kmd{÷sDkgL÷pBf]u÷cGo ;+:yf / C0f lbg] ljb]zL JolQmut nufgLstf{{

aLr ePsf] ;Demf}tf . #= C0f a}+lsË k|0ffnLaf6 k|fKt x'g] k|ltj4tf kq .

$= ljb]zaf6} C0f lng'kg]{ cfjZostf k'li6 x'g] sfuhft . %= ;DalGwt kmd{÷sDkgL÷pBf]u÷cGo ;+:yfsf] C0f lng] ;DaGwL lg0f{osf] k|ltlnlk .

^= Joj;fo btf{ k|df0fkq, :yfoL n]vf gDa/, s/ r'Qmf u/]sf] cBfjlws ljj/0f /

k|jGwkq tyf lgoddfjnL eP ;f] ;DaGwL sfuhftx¿ . &= C0f lng] kmd{÷sDkgL÷pBf]u÷cGo ;+:yf shf{ ;"rgf s]Gb|sf] sfnf];"rLdf g/x]sf]

k|dfl0ft x'g] sfuhft . *= C0f r'Qmf ug]{ cfwf/ v'Ng] sfuhft . (= ljlgdo hf]lvdsf] ;Defjgf / To;nfO{ Jojl:yt ug]{ cfwf/ v'Ng] sfuhft . !)= shf{ k|bfg ug]{ ljb]zL JolQmsf] n]vfk/LIfsaf6 k|dfl0ft cfo÷;DklQ ljj/0f jf

s/sf] bfo/fdf /x]sf] k|dfl0ft x'g] sfuhft / shf{sf] ;|f]t . !!= shf{ Nofpg] tyf lkmtf{ n}hfg] ;do tflnsf (Time Schedule) pNn]v ePsf]

sfuhft .

14 ldlt @)&$÷&÷!# sf] lg0f{ofg';f/ ;+zf]wg tyf cBfjlws ul/Psf] 15 ldlt @)&@÷&÷!* sf] lg0f{ofg';f/ yk ePsf]

264

!@= ljb]zaf6 C0f leq\ofpg] kmd{÷sDkgL÷pBf]u÷cGo ;+:yfn] ljb]zaf6 lnOg] elgPsf]

C0f g]kfns} jfl0fHo a}+s tyf ljQLo ;+:yfx¿af6 cfjZos kl/df0f / Jofhb/df

lng g;Sg] cj:yf ;[hgf ePsf] s'/f lgj]bgdf lj:t[t ?kdf pNn]v ePsf] x'g'kg]{ . !#= ljb]zL JolQmut nufgLstf{n] k|jfx ug]{ C0fsf] xsdf g]kfndf k'FhL÷z]o/df u/]sf]

nufgLsf] ^) k|ltzt eGbf a9L C0f lbg gkfOg] cyf{t\ Debt/Equity Ratio ^)M$)

eGbf a9L x'g gx'g] . !$= ljb]zaf6 C0f lng rfxg] g]kfnL kmd{÷sDkgL÷pBf]u÷cGo ;+:yfx¿n] ljb]zaf6

lng] C0fsf] Jofhb/ lgwf{/0f ubf{ k|rlnt jflif{s Libor Rate df @=)) k|ltzt eGbf

a9L lk|ldod b/ yk ug{ gkfOg] . !%= C0f afktsf] /sd ;DalGwt kmd{÷sDkgL÷pBf]u÷cGo ;+:yfsf] tf]lsPsf] If]qdf g}

pkof]u ug{'kg]{ . !^= C0f k|fKt ePsf] #% lbg leq ;f]sf] ljj/0f ;lxt o; a}+sdf clgjfo{?kdf n]vfÍg

u/fpg'kg]{ .

-u_ ljb]zL d'b|fdf g]kfn aflx/ nufgL lkmtf{ n}hfg] ;DaGwdf M

!= g]kfndf nufgL ug{sf nflu Joj;fosf] k|sf/ adf]lhdsf] lgodgsf/L lgsfoaf6 lnOPsf]

:jLs[lt kqsf] k|ltlnlk .

@= g]kfn /fi6« a}+saf6 ljb]zL nufgL afkt ljb]zL d'b|f g]kfndf Nofpg lbOPsf] :jLs[lt

kqsf] k|ltlnlk .

#= k'FhL lelqPsf] k|df0f :j?k ljb]zL a}+s dfk{mt g]kfnL a}+sdf hDdf ePsf] vftfsf] :6]6d]06

jf a}+s tyf ljQLo ;+:yfåf/f hf/L ul/Psf] k|df0fkq .

$= ;DalGwt lgodgsf/L lgsfoaf6 k|dfl0ft u/]sf] ljb]zL nufgLstf{ -z]o/ laqmLstf{_ /

v/Lbstf{ aLr ePsf] z]o/ lsga]r ;DaGwL sfuhft (Sale and Purchase Agreement) sf]

k|ltlnlk .

%= z]o/ ljqmL ug]{ kmd{, sDkgL, jf ;+:yfsf] ;DklQ tyf bfloTj d"Nof+sg u/L tof/ ul/Psf]

k|ltj]bg .

^= Joj;fo btf{ k|df0fkq, :yfoL n]vf gDa/, k|aGwkq tyf lgodfjnLsf] k|ltlnlk .

&= cBfjlws s/ r'Qmf u/]sf] ljj/0f .

*= sDkgL /lhi6«f/ sfof{noaf6 k|dfl0ft ul/Psf] z]o/wgLsf] cBfjlws nut ljj/0f .

(= v/Lbstf{ g]kfnL gful/s ePsf] v08df lgh v/Lbstf{ JolQm÷;+:yf÷sDkgL shf{ ;"rgf

s]Gb|df sfnf];"rLdf gePsf] k|dfl0ft x'g] sfuhft .

!)= ljb]zL nufgL cGt/ut o; a}+ssf] ;d]t :jLs[lt lnO{ ljb]zaf6 C0f lnPsf g]kfnL

sDkgLx¿n] ljb]zdf Jofh tyf ;f+jf e'QmfgL k7fpg' cl3 shf{ ;"rgf s]Gb|af6 sfnf]

;"rLdf g/x]sf] k|df0f / g]kfnsf s'g} klg a}+s tyf ljQLo ;+:yf;Fu efvf gf3]sf] C0f

gePsf] :j3f]if0ffkq .

!!= g]kfn lwtf]kq ljlgdo jhf/ ln= df ;'rLs[t gePsf sDkgLsf] xsdf sDkgLsf]

jf;nftsf] ;DklQ / bfloTjsf] cfwf/df sfod x'g cfPsf] d"Nodf Nepal Financial

Reporting Standard 3: Business Consideration df ePsf] Joj:yf adf]lhd ;DklQ tyf

bfloTjsf] Fair Value Amount n] x'g] z]o/ d"No . 16

16 ldlt @)&!÷)^÷* sf] lg0f{og';f/ bkmf !! b]lv !# ;Dd yk ePsf]

265

!@= k|rlnt Joj:yf adf]lhd s'g} ;/sf/L lgsfo, cGt/f{li6«o ;+3 ;+:yfaf6 k|fKt cg'bfgaf6

Capital Reserve df u0fgf u/]sf] /x]5 eg] tf]lsPsf] sfo{ ;DkGg ePsf] lgofds

lgsfoaf6 k|dfl0ft kq .

!#= pko{'Qm adf]lhd ;6xL ;'ljwfsf] nflu dfu ubf{ o; a}+sn] ljb]zL d'b|fdf g]kfn aflx/

nufgL lkmtf{ n}hfg] ;DaGwdf ldlt @)^(.!).)( df hf/L ;'rgf adf]lhd tf]s]sf]

sfuhftx¿sf ;fy} k|rlnt Joj:yf adf]lhd nfUg] kF'hLut nfe s/ tyf s/ j'emfPsf]

Joxf]/f ;DalGwt cfGtl/s /fh:j ljefuaf6 k|dfl0ft kq .

-3_ ljb]zL d'b|fdf u/]sf] nufgLaf6 cfh{g u/]sf] d'gfkmf lkmtf{ n}hfg] ;DaGwdf M

!= g]kfndf nufgL ug{sf nflu Joj;fosf] k|sf/ adf]lhdsf lgodgsf/L lgsfoaf6 lnOPsf]

:jLs[lt kqsf] k|ltlnlk .

@= g]kfn /fi6« a}+saf6 ljb]zL nufgL afkt ljb]zL d'b|f g]kfndf Nofpg lbPsf] :jLs[lt kqsf]

k|ltlnlk .

#= k'FhL lelqPsf] k|df0f :j?k ljb]zL a}+s dfk{mt g]kfnL a}+sdf hDdf ePsf] vftfsf]

:6]6d]06 .

$= Joj;fo btf{ k|df0fkq, :yfoL n]vf gDa/, k|aGwkq tyf lgodfjnLsf] k|ltlnlk .

%= n]vfk/LIfsaf6 k|dfl0ft eO{ ;fwf/0f ;ef dfk{mt kfl/t ePsf] Joj;fosf] n]vf k|ltj]bg

tyf jflif{s k|ltj]bg .

^= nfef+zdf lgodfg';f/ nfUg] s/ bflvnf u/]sf] lg:;fsf] k|ltlnlk .

&= cBfjlws s/ r'Qmf u/]sf] ljj/0f .

leid/fh 9'+ufgf

sfo{sf/L lgb]{zs


266

-@_ ljb]zL nufgL -z]o/ tyf C0f_ sf] n]vf+sg u/fpg] ;DaGwdf uf]/vfkqdf k|sflzt ;"rgf .

g]kfn /fi6« a}+s

ljb]zL ljlgdo Joj:yfkg ljefusf]

ljb]zL nufgL tyf C0fsf] n]vf+sg

/fpg] af/]sf] ;"rgf

g]kfndf :yfkgf x'g] pBf]u÷kmd{÷sDkgLdf g]kfn ;/sf/sf] ;DalGwt lgsfo / o; a}++ssf] :jLs[lt

lnO{ ePsf] ljb]zL nufgL / ;f]xL adf]lhd :jLs[lt lnO{ ljb]zaf6 lnPsf] C0f tyf nufgL ;DaGwL

ljj/0fsf] clen]v cBfjlws ug]{ ;DaGwdf ldlt @)^( kmfu'g !) ut] ul/Psf] ;fj{hlgs ;"rgfsf]

cfwf/df s]xL pBf]u, kmd{ tyf sDkgLn] dfq ljj/0f k]z u/L clwsf+zn] ;f] ljj/0f k]z gu/]sf]

x'Fbf k'gM of] ;"rgf k|sflzt ul/Psf] 5 . t;y{, ljb]zL nufgL /x]sf jf ljb]zaf6 C0f ;fk6 lnO{

o; a}+sdf n]vf+sg gu/fPsf To:tf pBf]u, kmd{ tyf sDkgLn] o; a}+sn] u/]sf] Joj:yf cg'?k

b]xfo adf]lhdsf] sfuhft / ljj/0f ;lxt ljb]zL nufgL tyf C0fsf] n]vf+sg u/fpg of] ;"rgf

k|sfzg ul/Psf] 5 .

-s_ pBf]u, kmd{ tyf sDkgLdf ePsf] oyfy{ nufgL -z]o/ tyf C0f_ sf] ljj/0f cBfjlws ug{sf

nflu o; a}+ssf] ljb]zL ljlgdo Joj:yfkg ljefudf cfj]bg lbO{ ljb]zL nufgLsf] clen]v

u/fpg'kg]{ 5 . ljb]zL nufgLstf{n] g]kfndf nufgL ug{ / ljb]zL d'b|fdf C0f lng o; a}+s

;dIf k]z ug{ kg]{ sfuhftsf] ;"rL o; a}+ssf] j]e;fO6 af6 k|fKt ug{ ;lsg] 5 .

-v_ o;/L ljb]zL nufgL -C0f ;d]t_ :jLs[lt lnO{ ;s]sf / o; kl5 :jLs[lt lng] pBf]u, kmd{

tyf sDkgLn] cfˆgf] pBf]usf] nflu :jLs[t ePsf] ljb]zL nufgL /sd -C0f ;d]t_ /

leq\ofPsf] j}b]lzs nufgL -C0f ;d]t_ sf] ljj/0f k|To]s cfly{s jif{sf] ;fpg / df3 dlxgfdf

o; ljefudf clgjfo{ ?kdf pknAw u/fpg'kg]{5 . Ps k6s ljj/0f cBfjlws u/fPkl5 ;f]xL

ljj/0f k'gM k7fpg'kg]{ 5}g . t/ nufgL yk ePdf, :jLs[t nufgLsf] aFfsL /sd lelqPdf jf

j}b]lzs nufgL cg'kft kl/jt{g ePdf eg] o; Joj:yf adf]lhdsf] ljj/0f cBfjlws u/fpg'

kg]{5 .

-u_ n]vf+sg gePsf] nufgL tyf C0fsf] ;6xL ;'ljwf pknAw u/fpg of] a}+s afWo x'g] 5}g .

ldlt M @)&!.!!.!!

leid/fh 9'+ufgf

sfo{sf/L lgb]{zs


267

-#_ gub g]kfnL tyf ljb]zL d'b|f cf];f/ k;f/df k|ltaGw nufOPsf] ;DaGwL ldlt @)&%.!@.@^ df

k|sflzt ;"rgf .

k|sflzt ldltM @)&%÷!@÷@^

g]kfn /fi6« a}+ssf]

gub g]kfnL tyf ljb]zL d'b|f cf];f/ k;f/df

k|ltaGw nufOPsf] ;DaGwL ;"rgf

g]kfnL d'b|f tyf ljb]zL ljlgdosf] cf];f/ k;f/df lgoGq0f ug]{ k|of]hgsf nflu b]xfo cg';f/sf]

Joj:yf sfod ul/Psf]n] ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !@ sf] clwsf/ k|of]u u/L

;/f]sf/jfnf ;a}sf] hfgsf/Lsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 .

!= g]kfnL jf ljb]zL gful/s cGo d'n'sdf hfFbf / cfpFbf k|ltJolQm g]kfnL ?k}ofF %,))).– eGbf

a9L ;fydf n}hfg jf Nofpg kfpg] 5}g .

@= g]kfnL jf ljb]zL] gful/sn] gub ljb]zL d'b|f cd]l/sL 8n/ %,))).– -kfFr xhf/_ jf ;f]

a/fa/sf] cGo kl/jTo{ ljb]zL d'b|f eGbf a9L ;fydf NofPsf] jvt eG;f/ 3f]if0ff u/L k|dfl0ft

u/]sf] x'g' kg]{5 .

#= g]kfnL gful/sn] ljb]z hfFbf kf;kf]6{ ;6xL ;'ljwf ;lxt cd]l/sL 8n/ %,))).– -kfFr xhf/_

;Ddsf] gub ljb]zL d'b|f lnP/ hfg'kbf{ ;f] ljb]zL d'b|f /fxbfgLdf b/lk7 u/]sf] x'g'kg]{5 . pQm

l;df;Dd gub ljb]zL d'b|f n}hfbf lgodfg';f/ cl3Nnf] k6s ;6xL u/L ar]sf] /sd n}hfg

kfpg] l;df ;d]tnfO{ u0fgf ubf{ cd]l/sL 8n/ %,))).– -kfFr xhf/_ jf ;f] a/fa/sf] cGo

kl/jTo{ ljb]zL d'b|f gf£g x'g] 5}g . t/ cf}ifwL pkrf/ jf cGo ljz]if k|of]hgsf] nflu ljb]zL

d'b|f ;6xL k|fKt u/]sf] k|df0f k]z u/]df To:tf] /sd ;d]t n}hfg jfwf kg]{ 5}g .

$= ljb]zL gful/sn] g]kfnaf6 cGo d'n'sdf hfFbf k|ltJolQm cd]l/sL 8n/ %,))).– -kfFr xhf/_ jf

;f] a/fa/sf] cGo kl/jTo{ ljb]zL d'b|f eGbf a9L gub} ;fydf n}hfg kfpg] 5}g . t/ g]kfn

cfpFbf eG;f/ :j3f]if0ff u/L NofPsf] ;Ldf leqsf] /sd :j3f]if0ff u/L n}hfg jfwf kg]{ 5}g .

%= pk/f]Qm Joj:yf sfof{Gjogdf s'g} afwf c8\sfp k/]df ;DalGwt kIfn] g]kfn /fi6« a}+sdf lgj]bg

lbO{ To:tf] afwf c8\rg km'sfpg ;lsg]5 .

sfo{sf/L lgb]{zs


gf]6M o;} laifo;Fu ;DalGwt ldlt @)&@.)*.)^ df k|sflzt ;"rgf vf/]h ul/Psf] 5 .

268

-$_ g]kfnL tyf ljb]zL gful/sn] cfkm';Fu ePsf] ljb]zL ljlgdosf] ljj/0f a'emfpg] ;DaGwL ;"rgf .

g]kfn uh]6

efu #

>L % sf] ;/sf/åf/f k|sflzt

-v08 !#_ sf7df08f}, r}q !& ut] @)@) ;fn -;+Vof %)_

>L % sf] ;/sf/

cy{ dGqfnosf]

;"rgf

ljb]zL ljlgdo lgoldt ug]{ P]g, @)!( sf] bkmf !! n] lbPsf] clwsf/ k|of]u u/L >L % sf]

;/sf/n] lgDg lnlvt cfb]z hf/L u/]sf] 5 .

g]kfndf jf ljb]zdf ef=?=afx]s cGo ljb]zL ljlgdo /fv]sf -)@).$.@@ / ldlt @)@).!).@& sf]

g]kfn uh]6 efu # df k|sflzt_ tf]lsPsf If]qx¿df a;f]af; u/]sf ;a} g]kfnL gful/sx¿ tyf pQm

If]qx¿df a;f]af; u/L gfkmf ug]{ p2]Zon] s'g} Jofkf/ ul//x]sf ljb]zLx¿n] ;d]t lghx¿;Fu ePsf] ljb]zL

ljlgdosf] b]xfo jdf]lhdsf] ljj/0f of] ;"rgf k|sflzt ePsf] ldltn] $ dlxgfleq g]kfn /fi6« a}+s s]Gb|Lo

clkm; sf7df08f}df lbg cfb]z hf/L u/]sf] 5' .

!= ljb]zL ljlgdosf] wgLsf] k"/f gfd M–

@= P] P] sf] k"/f 7]ufgf M–

#= lgh;Fu /x]sf] ljb]zL ljlgdosf] df}HbftM–

$= ljb]zL ljlgdo s'g ?k -Form_ df /flvPsf] 5 M–

%= ljb]zL ljlgdo a}+s df}Hbftsf] ?kdf /flvPsf] eP lx;fj /fVg] a}+ssf] gfd / 7]ufgfM–

^= ljb]zL ljlgdo ljb]zL ;]So"l/6Lsf] ?kdf /fv]sf] eP b]xfo jdf]lhdsf] ljj/0f lbg' kg]{5 M–

-s_ wgLsf] k"/f gfd / 7]ufgfM–

-v_ ;]So"l/6Lsf] k"0f{ ljj/0f h:t} M Jof/–j08, /lhi68{ cyjf OG:qmfOA8 :6s OTofbL s] xf] <

-u_ ;]So"l/6Lsf] d"n -Nominal_ /sd M–

-3_ ;]So"l/6L d'Qm 5 cyjf k|ltjlGwt < k|ltalGwt eP k|ltaGwsf] k"0f{ ljj/0f lbg' k5{ / ;f]

;]So"l/6Lsf] lwtf]df s'g} C0f lnPsf] eP s'g d'b|fdf ;f] C0f lnPsf] / s'g JolQm jf ;+:yfjf6

lnPsf] xf] gfd / 7]ufgf ;lxt ljj/0f vf]Ng' kb{5 M–

-ª_ s'g :yfgdf s'g JolQm jf ;+:yf;+u ;f] ;]So"l/6L hDdf u/L /flvPsf] 5 ;f]sf] gfd, 7]ufgf M–

-r_ s'g JolQmsf] gfddf ;f] ;]So"l/6L /flvPsf] 5 < lghsf] k"/f gfd / 7]ufgf -olb of] ljj/0f k]z

ug]{ JolQm jfx]s cGo JolQmsf] gfddf /x]sf] eP_ ljb]zL ljlgdo cfh{g ug]{ crn ;DklQsf]

xsdf b]xfo adf]lhdsf] ljj/0f lbg'kg]{ 5 M–

-s_ o; k|sf/sf] crn ;DklQ ePsf] :yfg / ;DklQsf] ?kM–

-v_ pQm ;DklQ /x]sf] :yfgsf] s/ clwsf/Låf/f d"Nof+sg ul/Psf] d"No M–

-u_ To; crn ;DklQaf6 x'g] jflif{s ;/b/ cfDbfgLM–

b|i6Jo M

ljb]zL ljlgdo eGgfn] ljb]zL d'b|f ;Demg'kb{5 / of] zAbn] ljb]zL d'b|fdf e'StfgL x'g] jf

x'g;Sg] ;a} lsl;dsf] l8kf]lh6 qm]l86 / df}Hbft ljb]zL ;]So'l/l6 ljb]zL z]o/ / g]kfnL d'b|fdf

n]lvPsf] jf lgsflnPsf] -8«g_ t/ ljb]zL d'b|fdf e'StfgL x'g] jf x'g;Sg] h'g;'s} 8«fˆ6 6«fen;{ r]s

k|tLtkq -Letter of Credit_ / aLn ckm PS;r]~hnfO{ ;d]t hgfpF5 .

cf1fn]–

-8f=ofbjk|;fb kGt_

>L % sf] ;/sf/sf] ;lrj

269

-%_ x'nfsaf6 ;fdfg lgof{t ug]{ ;DaGwL ;"rgf .

g]kfn uh]6

efu –#


sf7df8f}+, j}zfv @( ut] @)@! ;fn


;"rgf

ljb]zL ljlgdo -lgoldt ug]{_ lgodx¿, @)@) sf] lgod $ sf] v08 -s_ n] lbPsf] clwsf/ k|of]u

u/L -@)@).$.@@ / @)@).!).@& sf] g]kfn uh]6 efu # df k|sflzt_ tf]lsPsf If]qx¿df nfu" x'g] u/L tn

n]lvP adf]lhdsf] k|1fkgkq eg]{ kmd{ æsÆ / ævÆ sf] gd"gf ;j{;fwf/0fsf] hfgsf/Lsf] nflu k|sflzt

ul/Psf] 5 M–

270

a}+s kmd{ v=

o; kmd{nfO{ kf;{ndf 6fF:g' x'Fb}g .

klxnf] k|lt M– ;fdfg lgof{t ug{'cl3

kf]i6 clkm;åf/f k|dfl0ft u/fO{ g]kfn

/fi6« a}+sdf a'emfpg' kg]{ .

k|1fkg–kq

g]kfn /fi6« a}+s

ljb]zL ljlgdo lgoGq0f

l;l/on gDa/ ==== ===== ==== ====================kf;{n /l;b gDa/ ==== ===== ==== ====

kf]i6 clkm;sf] gfd / 7]ufgf ==== ===== ==== ====

g]kfnaf6 ef/t afx]s cGo d'n'sx¿df kf]i6 clkm;4f/f ;fdfg lgof{t ubf{ ;fdfg lgof{t ug]{ JolQmn] lbg'

kg]{ ;"rgf .

!= ;fdfg lgof{t ug]{ JolQm jf ;+:yfsf] gfd / 7]ufgf M==== ===== ==== ====

@= ;fdfg k|fKt ug]{sf] gfd / 7]ufgf M ==== ===== ==== ====

#= ;fdfgsf] 5f]6s/L ljj/0f tyf kl/df0f ==== ===== ==== ====

$= ;fdfgsf] OGEjfO{; -Invoice_ adf]lhdsf] d"No -ljb]zL d'b|fdf_ ==== ===== ==== ====

d xfdL of] 1fkg ub{5'÷5f}+ M–

-s_ d}n]÷xfdLn] o;df pNn]v u/] adf]lhdsf] ;fdfg ljqmL u/]sf], lgof{t ug{ nfu]sf] x'F÷xf}+,

-v_ dfly g+= $ df plNnlvt d"No cfoftstf{ -ODkf]6{/_ ;Fu ePsf] ;Demf}tf adf]lhdsf] ;fFrf]

tyf k"/f lgof{t d"No xf],

-u_ pQm d"No adf]lhdsf] ljb]zL d'b|f tf]lsPsf] ;doleq g]kfn /fi6« a}+s jf Ohfhtkqk|fKt

JolQm jf ;+:yfnfO{ a'emfpg]5' .

==== ===== ==== ==== ;xL M– ==== ===== ==== ====

==== ===== ==== ==== lgof{t nfO;]G; gDa/ M– ==== ===== ==== ====

-e'QmfgL k|fKt ug]{ a}+ssf] gfd / 7]ufgf_ ==== ===== ==== ====

ldlt ==== ===== ==== ====

7]ufgf M ==== ===== ==== ====

ldlt M–

of] k||dfl0ft ul/G5 ls dfyL pNn]v eP jdf]lhdsf] ;fdfg lgsf;L ePsf] l7s ;fFrf] xf] .

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

ldlt M kf]i6 clkm;sf] 5fk / b:tvt

gf]6 M

-!_ ;fdfgsf] lgof{t ;DaGwL ;a} 8s'd]06x¿ Ohfhtkq k|fKt JolQm dfkm{t ;fdfg lgof{t u/]sf]

@! lbgleq k7fpg'kb{5 .

-@_ o; kmd{sf] ;a} ljj/0fx¿ z'4;Fu n]Vg'kb{5 .

271

a}+s kmd{ v=


bf]>f] k|lt M– kf]i6 clkm;sf] /]s8{df /xg] .

k|1fkg–kq

g]kfn /fi6« a}+s


l;l/on gDa/ ==== ===== ==== ==== ============kf;{n /l;b gDa/ ==== ===== ==== ====


g]kfnaf6 ef/t afx]s cGo d'n'sx¿df kf]i6 clkm;4f/f ;fdfg

lgof{t ubf{ ;fdfg lgof{t ug]{ JolQmn] lbg' kg]{ ;"rgf





d xfdL of] 1fkg ub{5'÷5f}+ ls M–


-v_ dfly g+= $ df plNnlvt d"No cfoftstf{ -ODkf]6{/_ ;Fu ePsf] ;Demf}tf adf]lhdsf] ;fFrf]




==== ===== ==== ==== ;xL M– ==== ===== ==== ====

==== ===== ==== ==== lgof{t nfO;]G; gDa/ M– ==== ===== ==== ====


ldlt ==== ===== ==== ====

7]ufgf M ==== ===== ==== ====

ldlt M–

of] k||dfl0ft ul/G5 ls dfyL pNn]v eP jdf]lhdsf] ;fdfg lgsf;L ePsf] l7s ;fFrf] xf] .

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

ldlt M kf]i6 clkm;sf] 5fk / b:tvt

gf]6 M

-!_ ;fdfgsf] lgof{t ;DaGwL ;a} 8s'd]06x¿ Ohfhtkqk|fKt JolQm dfkm{t ;fdfg lgof{t u/]sf]

@! lbgleq k7fpg'kb{5 .

-@_ o; kmd{sf] ;a} ljj/0fx¿ z'4;+u n]Vg'kb{5 .

272

a}+s kmd{ v=


t];|f] k|lt M– ;fdfgsf] d"No k|fKt u/L g]kfn a}+s

lnld6]8n] g]kfn /fi6« a}+sdf a'emfpg'kg]{ .

k|1fkg–kq

g]kfn /fi6« a}+s


l;l/on gDa/ ==== ===== ==== ==== kf;{n /l;b gDa/ ==== ===== ==== ====


g]kfnaf6 ef/t afx]s cGo d'n'sx¿df kf]i6 clkm;4f/f ;fdfg

lgof{t ubf{ ;fdfg lgof{t ug]{ JolQmn] lbg' kg]{ ;"rgf





d xfdL of] 1fkg ub{5'÷5f}+ ls M–


-v_ dfly g+= $ df plNnlvt d"No cfoftstf{ -ODkf]6{/_ ;+u ePsf] ;Demf}tf adf]lhdsf] ;fFrf]




==== ===== ==== ==== ;xL M– ==== ===== ==== ====

==== ===== ==== ==== lgof{t nfO;]G; gDa/ M– ==== ===== ==== ====


ldlt ==== ===== ==== ====

7]ufgf M ==== ===== ==== ====

ldlt M–

e'QmfgL k|fKt ug]{ a}+sn] k|dfl0ft ug'{kg]{

xfdL of] k|dfl0ft ub{5f}+ ls o; kmd{df plNnlvt ;fdfgsf] lgof{t ;DaGwdf ljb]zL d'b|f======== =====

==== ==== ==== ====ldlt M ==== ==== ==== === df b]zaf6 k|fKt u¥of}+{ .

jf

xfdL of] k|dfl0ft ub{5f}+ ls o; kmd{df plNnlvt ;fdfgx¿ g]kfndf lkmtf{ k|fKt ePsf] jf/]sf]

cfjZos sfuhkqx¿ xfdLn] x]/]sf 5f}+ .

7]ufgf M ==== ==== ==== ==== ==== ===========;xL M– ==== ===== ==== ====

ldlt M==== ===== ==== ====

gf]6 M–

-!_ ;fdfgsf] lgolt ;DaGwL ;j} 8s'd]G6x¿ Ohfhtkqk|fKt JolQm dfk{mt ;fdfg

lgof{t u/]sf] @! lbgleq k7fpg' kb{5 .

-@_ o; kmd{sf] ;j} ljj/0fx¿ z'4;+u n]Vg'kb{5 .

nIdLgfy uf}td

ueg{/

273

:ki6Ls/0f

g]kfn /fi6« a}+ssf] k|1fkgkq ;DaGwL ;"rgf ldlt @)@).!@.@$ v08 !# ;+Vof %! sf] g]kfn uh]6

efu # df k|sflzt x'Fbf k|1fkgkq s= / v= b'j} k|sflzt x'g'kg]{df s= dfq / kl5 @)@!.!.!% v08 !$

;+Vof # df klg v= sf] t];|f] k|lt dfq k|sflzt ePsf] x'Fbf pQm b'j} k|1fkgkqx¿ ;+sng u/L Ps} k6s

k|sflzt ul/Psf] 5 .

k|=lj=

274

-^_ g]kfn /fi6« a}+snfO{ ljb]zL d'b|f ;dk{0f u/]df kfpg] ;'ljwf ;DaGwL ;"rgf .

g]kfn /fhkq


v08 -$!_ sf7df8f}+, d+;L/ !^ ut] @)$* ;fn -;+Vof ##_

efu #

>L % sf] ;/sf/

cy{ dGqfnosf]

;"rgf !

>L % sf] ;/sf/n] ljb]zL ljlgdo -lgoldt ug]{_ lgodx¿, @)@) sf] bkmf @ sf]

pkbkmf ! -5_ sf] k|of]hgsf] nflu jfl0fHo a}+sx¿df kl/jTo{ ljb]zL d'b|fdf vftf vf]Ng

u|fXo vftfjfnfn] kl/jTo{ ljb]zL d'b|fsf] lgIf]kaf6 s'n hDdf /sd k|rlnt ljlgdo b/df

g]kfn /fi6« a}+snfO{ ;dk{0f u/]df ;dk{0f u/]sf] k"/} /sdsf] kl/jTo{ ljb]zL d'b|f lzIff,

:jf:Yo, ljb]z e|d0f tyf dfn;fdfg cfoft ug{ rfx]df pknJw u/fOg] ePsf]n] of] ;"rgf

k|sflzt ul/Psf] 5 .

v08 @% ;+Vof !& ldlt @)$@÷$÷@! sf] g]kfn /fhkq efu # df k|sflzt o;

dGqfnosf] ;"rgf ! vf/]h ul/Psf] 5 .

cflwsfl/stf d'b|0f ljefuaf6 k|dfl0ft ul/Pkl5 dfq nfu' x'g]5 .

275

-&_ kl/jTo{ ljb]zL d'b|fsf] ljj/0f k]z ug]{ ;DaGwL ;"rgf .

v08 $! ;+Vof ## g]kfn /fhkq efu # ldlt @)$*.*.!^

;"rgf @

>L % sf] ;/sf/n] ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !! sf] pkbkmf -!_ n] lbPsf]

clwsf/ k|of]u u/L g]kfndf a;f]af; ug]{ JolQmx¿n] cfk"m;Fu ePsf] ef/tLo ?k}ofF afx]s cGo k|sf/sf]

ljb]zL ljlgdosf] ljj/0f b]xfosf] 9fFrfdf of] ;"rgf k|sflzt ePsf] ldltn] $ dlxgfleq of] Ps k6ssf]

nflu cfh{gsf] ;|f]t pNn]v gu/L, g]kfn /fi6« a}+s, s]Gb|Lo sfof{no, ljb]zL ljlgdo ljefudf lbg cfb]z

hf/L u/]sf] 5 .

o;/L lbPsf] ljj/0f uf]Ko /xg] 5 / g]kfnl:yt jfl0fHo a}+sx¿df ljb]zL ljlgdosf] vftf vf]Ng

u|fXo x'g]5g\ .

ljj/0f

!= ljb]zL ljlgdo wgLsf] k"/f gfd M–

@= ljb]zL ljlgdo wgLsf] k"/f 7]ufgf M–

#= ljb]zL ljlgdo df}Hbft M–

$= ljb]zL ljlgdo s'g ?kdf /flvPsf] M–

%= ljb]zL ljlgdo a}+s df}Hbftsf] ?kdf /flvPsf] eP lx;fj /fVg] a}+ssf] gfd / 7]ufgf M–

^= ljb]zL ljlgdo ljb]zL ;]So'l/6Lsf] ?kdf /flvPsf] eP b]xfo adf]lhdsf] ljj/0f lbg'k5{ M–

-s_ wgLsf] k"/f gfd / 7]ufgf M–

-v_ ;]So'l/6Lsf] k"0f{ ljj/0f / lsl;d M–

-u_ ;]So'l/6Lsf] s"n /sd M–

-3_ ;]So'l/6L d'Qm 5 jf k|ltjlGwt < k|ltjlGwt eP k|ltjGwsf] k"0f{ ljj/0f lbg' k5{ / ;f]

;]So'l/6Lsf] lwtf]df s'g} C0f lnPsf] / s'g JolQm jf ;+:yfaf6 lnOPsf] xf] gfd / 7]ufgf ;lxt ljj/0f vf]Ng'

k5{ .

cf1fn],

zlzgf/fo0f zfx

>L % sf] ;/sf/sf] ;lrj

276

-*_ lab]zL ljlgdodf C0f lng]÷lbg] ;DaGwL Joa:yf .

g]kfn /fi6« a}+s

lab]zL ljlgdo Joa:yfkg ljefu

ldlt @)%( kmfNu'0f * ut]

ljifo M lab]zL ljlgdodf C0f lng] . lbg] ;DaGwL Joa:yf .

lab]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf !) v sf] k|of]hgsf] nflu

lab]zL ljlgdodf C0f lng] . lbg] ;DaGwdf lgDg adf]lhdsf] gLltut Joa:yf ul/Psf] 5 .

g]kfnleqaf6 g} kl/jTo{ ljb]zL ljlgdodf lng]÷lbg] C0f ;DaGwL Joa:yf17

jfl0fHo a}+ssx¿n] g]kfnL lgsfox¿nfO{ kl/jTo{ ljb]zL d'b|fdf lbg] C0f ;DaGwL Joa:yfsf] xsdf

lgDgfg';f/sf] Joa:yf ul/Psf] 5 .

! lgof{t If]qdf nfu]sf cf}Bf]lus pTkfbgstf{ kmd{÷sDkgLx¿sf] xsdf

lgof{t If]qdf nfu]sf cf}Bf]lus pTkfbgstf{ kmd{÷sDkgLx¿nfO{ sRrf kbfy{ cfoft ug{ lgDg

zt{x¿sf] cwLgdf /xL jfl0fHo a}+sx¿n] kl/jTo{ ljb]zL d'b|fdf cNksfnLg C0f k|bfg ug{ ;lsg]5 M

zt{x¿ M

-s_ o:tf] C0f k|bfg ubf{ ;DalGwt lgof{t pBf]unfO{ cfjZos x'g] sRrf kbfy{sf] cfoftsf nflu

vf]lnPsf] k|tLt–kqsf] cfwf/df dfq k|bfg ug'{kg]{,

-v_ o:tf] C0f k|bfg ubf{ lgof{t eO{ e'QmfgL cfpg jf+sL /x]sf] lgof{t k|tLt–kqn] vfDg] /sd;Dd

dfq k|bfg ug'{kg]{,

-u_ o;/L k|fKt C0fsf] ;f+jf, Jofh e'QmfgL ;DalGwt pBf]un] cfkm\gf] lgof{t cfh{gaf6 kl/jTo{

ljb]zL d'b|fdfg} ug'{kg]{, /

-3_ o:tf] C0fdf nfUg] Jofh b/ ;DalGwt jfl0fHo a}+s cfkm}n] tf]Sg ;Sg] .

@= ljB't zlQm pTkfbg u/L ljqmL ljt/0f ug]{ lghL If]qsf pB]usf] xsdf

= !)) ls=jf= b]lv !))) ls=jf= ;Dd ljB't zlQm pTkfbg u/L ljqmL ljt/0f ug]{ lghL If]qsf pBf]u

tyf cfkm\g} k|of]hgsf nflu ljB't pTkfbg u/L vkt ug]{ pBf]ux¿nfO{ lgDg zt{x¿sf] cwLgdf /xL

jfl0fHo a}+sx¿n] kl/jTo{ ljb]zL d'b|fdf cNk jf dWodsfnLg C0f k|bfg ug{ ;lsg]5 M

zt{x¿ M

-s_ ;fgf] :s]ndf ljB't pTkfbg u/L ljqmL ljt/0f ug{ jf s'g} pBf]un] cfkm\g} k|of]hgsf nflu

ljB't pTkfbg ug{sf lgldQ kl/jTo{ ljb]zL d'b|fdf nufgL ug'{kg]{ ePdf dfq o:tf] C0f k|bfg

ug{ ;lsg],

-v_ o;/L k|bfg ul/g] C0f ljB't pTkfbg ;DaGwL pks/0fx¿sf] cfoft e'QmfgL ug]{ k|of]hgsf

nflu dfq pkof]u ug'{kg]{,

-u_ o:tf] C0f ;'ljwf pknJw u/fp+bf ljB't pTkfbgsf pks/0fx¿ cfoft ug{ vf]lnPsf k|tLt–

kqsf] cfwf/df dfq ug'{kg]{,

-3_ o:tf] C0fdf nfUg] Jofh b/ ;DalGwt jfl0fHo a}+sn] cfkm} tf]Sg ;Sg], /

-ª_ cfkm\gf] pBf]usf] cfjZostf jfx]s ljB't pTkfbg u/L ljqmL ljt/0f ug]{ ;fgf :s]nsf

pBf]ux¿sf] xsdf eg] o; k|sf/sf] C0f ;'ljwf k|bfg ubf{ o; a}+ssf] k"j{ :jLs[lt lng'kg]{5 .

17 O=k|f=kl/kq ;+Vof !( df ;dfj]z eO;s]sf]

277

#= ko{6g / lgof{t pBf]ux¿sf] xsdf

kl/jTo{ ljb]zL d'b|f cfh{g ug]{ ko{6g / lgof{t pBf]ux¿nfO{ b]xfosf k|of]hgsf nflu b]xfosf

zt{x¿sf] clwgdf /xL jfl0fHo a}+sn] kl/jTo{ ljb]zL d'b|fdf C0f k|bfg ug{ ;lsg]5 .

zt{x¿ M

-s_ of] ;'ljwf ;DalGwt ko{6g / lgof{t pBf]ux¿sf] nflu cfjZos x'g] cfoftsf] e'QmfgLsf] nflu

dfq k|of]u ug{ kfOg] .

-v_ o:tf] C0f /sdsf] ;f+jf÷Jofh ;DalGwt pBf]un] cfk"m;Fu /x]sf] kl/jTo{ ljb]zL d'b|f dWo]af6

e'QmfgL ug'{kg]{ .

-u_ o; k|of]hgsf] nflu jfl0fHo a}+sx¿n] ljb]zL a}+saf6 s'g} lsl;dsf] C0f ;'ljwf lng kfpg] 5}g

. t/ o; k|of]hgsf nflu jfl0fHo a}+sx¿nfO{ ljb]zL d'b|f cfjZos k/]sf] v08df o; a}+sn]

k|rlnt ljlgdo b/df cfjZos ljb]zL d'b|f ljqmL ug]{5 .

$= un}+rf pBf]un] vkt ug]{ pg cfoft ug]{ k|of]hgsf] xsdf

un}+rf pBf]un] vkt ug]{ pg dfq cfoft ug]{ p2]Zon] vf]lnPsf sDkgLx¿n] æun}+rf tyf pmg ljsf;

kl/ifb\Æ sf] l;kmf/L;df k|tLt–kqdfkm{t sRrf pg cfoft ubf{ jfl0fHo a}+sx¿n] b]xfodf pNn]lvt

zt{x¿sf] cwLgdf /xL kl/jTo{ ljb]zL d'b|fdf C0f k|bfg ug{ ;Sg]5 .

zt{x¿

-s_ of] ;'ljwf clwstd ^ dlxgfsf] nflu dfq x'g]5 .

-v_ C0fsf] Jofhb/ ;DalGwt jfl0fHo a}+s cfkm}n] lgwf{/0f ug'{kg]{5 .

-u_ of] ;'ljwf cGtu{t lnPsf C[0fsf] lx;fj lstfj ljb]zL d'b|fdfg} /fVg'kg]{5 .

-3_ C0fsf] ;f+jf÷Jofh r'Qmf ubf{ k|rlnt ljlgdo b/ cg';f/ g]kfnL ?k}of+df e'QmfgL ug'{kg]{5 .

%= lgof{tstf{x¿nfO{ ljb]zL ljlgdodf C0f pknJw u/fpg] af/] .

lgDg Joa:yfx¿ cGtu{t lgof{tstf{x¿nfO{ lk|–lzkd]G6 tyf kf]i6lzkd]G6 shf{ :j?k kl/jTo{ ljb]zL

d'b|fdf C0f pknAw u/fpg ;lsg]5 .

!= kl/jlt{t ljb]zL d'b|f cfh{g x'g] u/L lgof{t sf/f]jf/ ug]{ lgof{tstf{x¿af6 cd]l/sL 8n/df lk|–

lzkd]G6 tyf kf]i6lzkd]G6 shf{ dfu u/]df k|rlnt Joj:yf cGtu{t /xL To:tf] shf{ pknJw

u/fpg' kg]{5 / To:tf] shf{df nfUg] Jofhb/ ;do ;dodf g]kfn /fi6« a}+sn] tf]s] adf]lhd x'g]5

/ ;f]sf]] ;f+jf÷Jofh kl/jTo{ ljb]zL d'b|fdf g} c;'n pk/ ug'{ kg]{5 .

@= To:tf] shf{ k|bfg u/]afkt ;DalGwt jfl0fHo a}+sx¿n] dfu u/]df g]kfn /fi6« a}+sn] ;do

;dodf tf]s]sf] Jofhb/df cd]l/sL 8n/df g} o; a}+sn] k'g/shf{ pknAw u/fpg] 5 .

#= jfl0fHo a}+sx¿n] o;/L k'g/shf{ dfu ubf{ tf]lsP adf]lhdsf] 9f+rf cg';f/sf] kmd{ clgjfo{

?kn] eg'{kg]{5 .

$= o:tf] k'g/shf{ o'=P;=8n/ !,)),))) -Psnfv_ sf] dlN6kndf dfq pknJw u/fOg]5 .

%= o:tf] k'g/shf{sf] ;f+jf Jofh cd]l/sL 8n/df g} tf]lsPsf] cjlwleq} e'QmfgL ug'{kg]{5 .

^= kl/jTo{ ljb]zL d'b|fdf lk|–lzkd]G6 shf{ lnPsf] u|fxsn] s'g} sf/0fjz ;fdfg lgof{t ug{ g;s]sf]

sf/0f pk/f]Qm shf{ ljb]zL d'b|fdf g} r'Qmf ug{ g;s]sf] v08df g]kfnL ?k}+of+df g} cfjZos

lx;fj ldnfg ug{ ;lsg]5 . t/ To;/L lx;fj ldnfg ubf{ lx;fj ldnfg x'g] lbgsf] ljlgdo b/

nfu" ug'{kg]{5 / ;fy} Jofhb/sf] xsdf g]kfnL ?k}+of+sf] shf{df lng] clwstd Jofh b/ shf{

lnPsf] ldlt b]lvg} lng ;lsg]5 .

&= o:t}u/L kf]i6lzkd]G6 shf{sf] xsdf klg Issuing Bank n] l8:qmLk]G;L b]vfO{ lgof{t e'QmfgL

k"0f{?kdf k|fKt x'g g;s]sf] v08df e'QmfgL Nofpg g;s]sf] /sdsf] xsdf dfly bkmf–^ df

pNn]v ul/P cg';f/ ug'{kg]{5 . ;fy} o:tf] ljb]zL d'b|f k|fKt geP;Dd jf g]kfn /fi6« a}+sn] o;

278

jf/] :jLs[lt glbP;Dd o;/L lx;fj ldnfg ul/Psf s]zx¿sf] clen]v clgjfo{?kn] sn]Szgdf

k7fOPsf 8s'd]G6 ;DaGwL pko'Qm n]vf zLif{scGtu{t /fVg'kg]{5 .

*= sf/0fjz lgof{t x'g g;sL lgof{t shf{ lng] lgof{tstf{n] pQm shf{ kl/jTo{ ljb]zL d'b|fdf

e'QmfgL ug{ g;Sg] l:ylt cfOk/]df To:tf lgof{tstf{sf] ljb]zL d'b|f vftf /x]sf] eP To:tf]

ljb]zL d'b|f vftfdf /x]sf] df}Hbftaf6 lx;fj ldnfg ug{ ;lsg]5 . t/ o;sf] nflu lgof{t

gePsf] Joxf]/f ;DalGwt jfl0fHo a}+sn] olsg ug'{kg]{5 .

(= cd]l/sL 8n/df kf]i6lzkd]G6 shf{ lb+bf lgof{t 8s'd]G6 lguf]l;o6 ubf{s} cj:yfdf lgof{tstf{sf]

cd]l/sL 8n/ vftfdf hDdf ug{ ldNg]5 . t/ sy+sbflrt\ lguf]l;o6 ul/Psf pk/f]Qm

8s'd]G6x¿sf] k"0f{ e'QmfgL k|fKt gePsf] cj:yfdf o;nfO{ k|rlnt Joj:yf cg';f/ g]kfn /fi6«

a}+snfO{ clgjfo{ ?kn hfgsf/L] lbg'kg]{5 .

!)= lk|–lzkd]G6 shf{ lb+bf lgof{tstf{sf] gfp+df k|tLt–kq k|fKt eO ;s]sf] x'g'kg]{5 .

!!= lk|–lzkd]G6 shf{ ;'ljwf cGtu{t lnPsf] C0f lgof{t 8s'd]G6 lguf]l;o6 u/]s} cj:yfdf r'Qmf

ug{ nufpg] jf ;f]sf] e'QmfgL k|fKt ePkl5 dfq r'Qmf ug{ nufpg] eGg] jf/] ;DalGwt jfl0fHo

a}+sx¿ cfkm}n] Joj:yf ug{ ;Sg]5g\ .

!@= lk|–lzkd]G6 tyf kf]i6lzkd]G6 shf{ ;'ljwf cGt/ut k|rlnt Joj:yf cg';f/ ;DalGwt jfl0fHo

a}+sn] o; a}+saf6 lnPsf] k'g/shf{ clgjfo{ ?kn] ljb]zL d'b|fdf g} -;f+jf tyf Jofh b'j}_ r'Qmf

ug'{kg]{5 .

!#= lk|–lzkd]G6 tyf kf]i6lzkd]G6 shf{ :j?k ljb]zL d'b|fdf g} C0f pknJw x'g] Joj:yf Deemed

Export sf] xsdf klg nfu" x'g]5 .

dfly pNn]v ul/Psf sf/f]jf/x¿sf] xsdf afx]s g]kfn leq kl/jTo{ lab]zL d'b|fdf ul/g] cGo

sf/f]jf/x¿sf] xsdf g]kfn /fi6« a}+ssf] :jLs[lt lng' kg]{5 .

g]kfn aflx/af6 lab]zL ljlgdodf lng] . lbg] C0f ;DaGwL Joa:yf

-s_18 k|rlnt sfg"gn] 5'6 kfPsf afx]s cGo g]kfnL lgsfox¿n] g]kfnaflx/ kl/jTo{ tyf ckl/jTo{

ljb]zL d'b|fdf C0f lng' lbg' k/]df g]kfn /fi6« a}+ssf] :jLs[lt lng' clgjfo{ x'g]5 . o;/L :jLs[ltsf]

nflu g]kfn /fi6« a}+sdf cfj]bg lbbf lgDg Joxf]/fx¿ v'nfpg' kg]{5

!= lgj]bssf] gfd, 7]ufgf

@= lgj]bs kmd{ . sDkgLn] ug]{ sfdsf] :j?k

#= C0f lng' kgf{sf] sf/0f

$= C0f pkof]u ug]{ If]q

%= ljb]zaf6} C0f lng' kgf{sf] sf/0f

^= C0fsf] ;fjf+ Jofh r'Stf ug]{ cfwf/ (Strategy)

&= ljlgdo hf]lvdsf] ;+efjgf / To;nfO{ Jojl:yt ug]{ cfwf/

o;/L k|fKt x'g cfpg] lgj]bgx¿ pk/ g]kfn /fi6« a}+sn] cfjZos cWoog u/L :jLs[lt lbg pko'Qm

b]lvPdf :jLs[lt lbg]5 / o;/L :jLs[lt lb+bf a+}+sn] cfjZos b]lvPsf ;t{x¿ tf]Sg ;Sg]5 . To;/L

tf]lsPsf ;t{x¿ kfngf ug'{ lgj]bs kmd{ . sDkgLx¿sf] st{Jo x'g]5 .

-v_ ckl/jTo{ ljb]zL d'b|fdf g]kfnleq s;}n] klg C0f lng . lbg kfOg] 5}g .

18 ldlt @)^*.!@.@! df kl/dfh{g ;lxt hf/L ul/Psf]

279

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;6xL cg'dltkq af/]sf] ;"rgf .

g]kfn /fi6« a}+s


ljb]zL nufgL jfktsf] ljb]zL d'b|f leq\ofpg], n]vf+sg u/fpg]

/ nfef+z n}hfg lbOPsf] :yfoL ;6xL cg'dltkq af/]sf] ;"rgf

-k|yd k6s uf]/vfkqdf k|sflzt ldlt @)&#.!@.#!_

k|rlnt sfg'g adf]lhd ;DalGwt lgsfoaf6 :jLs[lt lnO{ ljb]zL nufgLdf :yfkgf x'g] kmd{÷sDkgL÷pBf]un] ljb]zL

nufgLstf{n] z]o/df ug]{ nufgL jfktsf] ljb]zL d'b|f leq\ofpg], n]vf+sg u/fpg], nfef+z n}hfg] tyf ljb]zL nufgL lkmtf{

n}hfg] ;DaGwdf o; a}+sn] ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !)s, !)v / !)u df ePsf] Joj:yf

adf]lhd lj=;+=@)%(, lj=;+=@)^* lj=;+=@)^( / lj=;+=@)&! ;fndf ;"rgf hf/L ul/;s]sf] Joxf]/f ljlbt} 5 . tyflk,

obfsbf s]xL kmd{ sDkgL pBf]un] ;DalGwt ;/sf/L lgsfoaf6 :jLs[lt lnO{ t/ o; a}+ssf] k"j{ :jLs[lt glnO{ ljb]zL

nufgL jfktsf] ljb]zL d'b|f leq\ofpg] u/]sf] / s]xL kmd{ sDkgL pBf]un] o; a}+saf6 :jLs[lt lnO{ ljb]zL nufgL leq\ofO{

;s]sf] t/ xfn;Dd klg o; a}+sdf n]vfÍg u/fPsf] gkfOPsf]n] To:tf ;DalGwt kmd{, sDkgL pBf]unfO{ tf]lsPsf] k|s[of

k'/f u/L ljb]zL nufgL leq\ofpg' k"j{ o; a}+ssf] :jLs[lt lng / pk/f]Qmfg';f/ leq\ofO{;s]sf] ljb]zL nufgLsf] xsdf

b]xfo adf]lhdsf] sfuhft tyf k|s[of k'/f u/L clgjfo{?kdf n]vfÍg u/fpgsf] nflu cfufdL @)&$ c;f/ d;fGt;Dddf

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lgj]bg lbO{ n]vfÍg gu/fpg] kmd{÷sDkgL÷pBf]unfO{ nfef+z jf nufgL lkmtf{ ug{sf nflu ljb]zL d'b|fsf] ;6xL ;'ljwf

pknAw u/fpg o; a}+s afWo gx'g] Joxf]/f ;d]t hfgsf/L u/fOG5 .

n]vfÍg u/fpFbf k'/f ug{'kg]{ k|s[of tyf sfuhft M

-s_ ljb]zL nufgLstf{n] g]kfndf lab]zL nufgLsf] ?kdf nufgL ug{ k|rlnt sfg'g jdf]lhd ;DalGwt

lgsfoaf6 k|fKt :jLs[lt kq

-v_ nufgL n]vfÍg u/fpg] ;DaGwdf ;+:yfsf] lg0f{o

-u_ o; a}+saf6 ljb]zL d'b|f leq\ofpg k|fKt :jLs[lt -:jLs[lt lnPsf] ePdf_

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sfuhft

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sfuhftx¿ k'gM k]z ug{'kg]{ 5}g ._

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cBfjlws u/fpg kg]{5 .

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280

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u/fpg' x'g ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( -;+zf]wg ;lxt_ sf] bkmf–!@ n]

lbPsf] clwsf/ k|of]u u/L ;DalGwt ;a}sf] hfgsf/Lsf] nflu of] ;"rgf hf/L

ul/Psf] 5 .

sfo{sf/L lgb]{zs -leid/fh 9'+ufgf_


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df hf/L kl/kq .

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


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hf/L kl/kq .

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s]Gb|Lo sfof{no


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ljifo M hfgsf/L u/fOPsf] ;DaGwdf .

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Max Money SDN. BHD, Malaysia n] /]ld6fG; sf/f]jf/ jfktsf] e'QmfgL ug{'kg{]

aSof}tfx¿ e'QmfgL gu/]sf] x'gfn] csf{] ;"rgf hf/L geP;Dd o; a}+saf6 Ohfhtkq k|fKt a}+s

tyf ljQLo ;+:yfx¿ /]ld6fG; sDkgL tyf cGo Ohfhtkqk|fKt ;+:yfx¿n] pQm ;+:yf;+u s'g} klg

sf/f]jf/ gug{÷gu/fpg Joj:yf ul/Psf]df ;f] ;+:yfn] g]kfndf lkmtf{ ug{'kg{] /sd lkmtf{ gu/L a?

g]kfnLx¿;+u dn]lzofdf /sd ;+sng u/L cGo Multi-Corridor dfkm{t To:tf] /sd k7fpg] sfo{

u/]sf] a'lemPsf]n] o; a}+saf6 Ohfhtkq kfPsf s'g} klg a}+s, ljQLo ;+:yf tyf /]ld6fG; sDkgL /

;+:yfx¿n] o;/L To:tf] t];|f] kIfaf6 Processing ePsf] /sd :jLsf/ ug{] / e'QmfgL ug{] Joj:yf

gx'g] u/L k|jGw ldnfpg'x'g ljb]zL ljlgdo lgoldt ug{] P]g, @)!( sf] bkmf !@ -;+;f]wg ;lxtsf]_

n] lbPsf] clwsf/ k|of]u u/L of] kl/kq hf/L ul/Psf] 5 .

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-!#_ Bitcoin sf/f]jf/ u}/sfg'gL /x]sf]] ;DaGwdf .

g]kfn /fi6« a}+s, s]Gb|Lo sfof{no


Bitcoin sf/f]jf/ u}/sfg'gL /x]sf] af/]sf] ;"rgf

g]kfn /fi6« a}+s P]g, @)%* / ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( adf]lhd

o; a}+saf6 Ohfhtkq lnP/ dfq ljb]zL ljlgdosf] sf/f]af/ ug{ ;Sg] :ki6

sfg'gL Joj:yf /x]sf] / xfn;Dd g]kfndf Bitcoin nfO{ d'b|fsf] ?kdf sfg'gL

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g]kfndf k"0f{?kdf u}/sfg'gL /x]sf] Joxf]/f hfgsf/L u/fpFb} s;}n] klg ;f] ;DaGwL

sf/f]jf/ gug{ gu/fpg'x'g ;j{;fwf/0fsf] hfgsf/Lsf] nflu of] ;"rgf k|sfzg

ul/Psf] 5 .

sfo{sf/L lgb]{zs


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u}/sfg'gL /x]sf] ;DaGwdf .

o; a}+saf6 :jLs[lt kfPsf Payment System afx]s cGo ljb]zL

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ljb]zL Payment System ;Fu k|ToIf cfa4 ePsf] h'g;'s} QR Code, POS Machine jf cGo

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/ k|rlnt sfg'g adf]lhd sf/jfxL x'g] Joxf]/f ;a}sf] hfgsf/Lsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 .

sf=d' sfo{sf/L lgb]{zs


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;""rgf .

g]kfn /fi6« a}+s

s]Gb|Lo sfof{no


k"jf{wf/ ljsf; lgdf{0fsf cfof]hgfx¿n] ljb]zaf6 cNksfnLg ;fk6L

Nofpg kfpg] Joj:yf ;DaGwL ;""rgf

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;~rfng eO/x]sf k"jf{wf/ ljsf; lgdf{0fsf cfof]hgfx¿n] cfof]hgf lgdf{0fsf qmddf rfn'

vr{nfO{ wfGg cNksfnLg ;'ljwf (Short Term Advances) cfjZos k/]df b]xfosf zt{sf

clwgdf /xL ljb]zaf6 ;fk6L Nofpg kfpg]] Joj:yf ul/Psf] 5 .

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kg]{5 .

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-ª_ ;fk6L /sd a}+lsª k|0ffnL dfkm{t k|fKt u/]sf] x'g'kg]{5 .

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-5_ /sd NofpFbf / lkmtf{ k7fpFbf ;DalGwt kl/of]hgfsf] l;kmfl/; kq k]z ug'{ kg]{5 .

-em_ o:tf] /sd lkmtf{ n}hfg' kbf{ h'g ;+:yf / d'n'saf6 /sd k|fKt ePsf] xf] ;f]xL ;+:yf /

d'n'sdf lkmtf{ x'g] u/L o; a}+sn] clen]v u/]sf] sfuhftsf] ;Ssnkq lnO{ tL sfuhftsf

cfwf/df a}+s tyf ljQLo ;+:yfn] lkmtf{ k7fpg ;6xL lbg ;Sg]5g\ .

ldlt M @)&%.#.#@

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g]kfn /fi^« a}+s

s]Gb|Lo sfof{no

ljb]zL ljlgdo Aoj:yfkg ljefusf]

d'b|f tyf wf/s ljlgdo clwsf/ kqsf] pb\#f]if)f ug]{ Joj:yf ;DaGwL

cToGt h?/L ;"rgf

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ug'{kg]{ ;DaGwL Joj:yfsf ;Gbe {df s;}n] cfˆgf] ;fydf jf sfuf]{, s'l/o/, x'nfs jf cGo

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ljb]zL d'b|f jf ;f] a/fa/sf] wf/s ljlgdo clwsf/ kq g]kfnaf6 ljb]z n}hfg jf ljb]zaf6

g]kfn Nofpg ;lsg] u/L ;Ldf tf]lsPsf] 5 . cd]l/sL 8n/ %,))) jf ;f] a/fa/sf] ljb]zL

d'b|feGbf a9L / g]kfnL ?k}ofF %,))) eGbf a9L /sdsf] pk/f]Qm adf]lhdsf] gub jf wf/s

ljlgdo clwsf/ kq Nofpg] n}hfg] ePdf To:tf] d'b|f jf wf/s ljlgdo clwsf/ kqsf] ljj/0f

eG;f/ clws[t;dIf / sfuf]{, s'l/o/, x'nfs jf cGo dfWoddfk{mt Nofpg] jf n}hfg] ePdf

;DalGwt sfuf]{, s'l/o/, x'nfs;dIf ;f] s'/fsf] pb\3f]if0f ug'{kg]{ 5 . ;fy}, sfuf]{ s'l/o/, x'nfs

jf cGo ;]jf ;~rfnsn] o;/L pb\3f]if0f u/]sf] ljj/0f tf]lsPsf] 9fFrfdf ;DalGwt eG;f/

clws[t ;dIf k]z ug'{kg]{ Joj:yf ul/Psf] 5 .

of] Joj:yf @)&% ;fpg ! ut]b]lv nfu" x'g]5 .

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g]kfn /fi6« a}+s

g]kfn /fi6« a}+ssf] j]e;fO6 www.nrb.org.np df k|sfzg ePsf] ldlt M @)&%÷)#÷#@

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287

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g]kfn /fi6« a}+saf6 Ohfhtkqk|fKt æsÆ, ævÆ / æuÆ ju{sf a+}s tyf

ljQLo ;+:yfx¿n] ef/tLo d'b|fdf C0f lng ;Sg] Joj:yf ;DaGwL

;""rgf

ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !)v= n] lbPsf] clwsf/ k|of]u u/L o; a}+saf6 Ohfhtkqk|fKt æsÆ,

ævÆ / æuÆ ju{sf a}+s tyf ljQLo ;+:yfx¿n] b]xfosf zt{x¿sf] kfngf ug]{ u/L ef/tl:yt a}+s tyf ljQLo ;+:yfx¿af6

ef/tLo d'b|fdf C0f lng ;Sg] Joj:yf ul/Psf]n] ;DalGwt ;a}sf] hfgsf/Lsf] nflu of] ;fj{hlgs ;"rgf k|sfzg ul/Psf]

5 .

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k|;f/0f nfOg, ;8s, ;'?Ëdfu{, ljdfg:yn, s]jnsf/, k'n h:tf ef}lts k"jf{wf/ -xfplhË, hUuf ljsf;

h:tf l/on:6]6sf] If]q afx]s_, ljb]zL d'b|f cfh{g ug]{ ko{6g, s[lif If]q / n3' ljQ If]qdf shf{ k|jfx ug]{

k|of]hgsf nflu ljQLo ;fwgsf] k|jGw ug{ ef/tl:yt a}+s tyf ljQLo ;+:yfaf6 klg ef/tLo d'b|fdf C0f

lng ;Sg] 5g\ . o;/L ef/tLo d'b|fdf C0f ln+bf cGo kl/jTo{ ljb]zL d'b|fdf C0f lnPsf] eP ;f] ;d]t u/L

s'n cfkm\gf] k|fylds kF"hLsf] ztk|ltzt;Dd dfq C0f lng ;Sg]5g\ .

-@_ o; a}+sn] tf]s] adf]lhdsf] k"FhLsf]if sfod u/]sf æsÆ, ævÆ / æuÆ ju{sf a}+s tyf ljQLo ;+:yfx¿n]] dfq

o:tf] C0f lng ;Sg] 5g\ .

-#_ o:tf] C0f lng ;DalGwt a}+s tyf ljQLo ;+:yfsf]] ;+rfns ;ldltaf6 lg0f{o ePsf] x'g' kg]{5 .

-$_ C0f lbg] a}+s tyf ljQLo ;+:yfnfO{ cGt/f{li6«o ?kdf ljQLo sf/f]jf/ ug{df s'g} lsl;dsf] k|ltjGw

gnufOPsf] x'g' kg]{5 .

-%_ o:tf] C0fsf] e'QmfgL cjlw Go"gtd ! jif{b]lv clwstd % aif{;Ddsf] dfq x'g' kg]{5 . t/, o; a}+sn]

:jLs[lt k|bfg u/]df o:tf] C0f gjLs/0f ug{ ;lsg]5 .

-^_ C0fbftfn] nufpg] cGo ;Dk"0f{ z'Ns (Fee) ;d]t u/L C0fsf] clwstd Jofhb/ MCLR (Marginal Cost

of Funding based Lending Rate) df clwstd ! k|ltzteGbf a9L gx'g] u/L to u/]sf] x'g' kg]{5 . pQm

Jofhb/ afx]s cGo s'g} z'Ns, sldzg lbg kfOg] 5}g .

-&_ o:tf] C0f lng] k|of]hgsf] nflu s'g} lsl;dsf] lwtf], hdfgt, a}+s Uof/]G6L lbg kfOg] 5}g .

-*_ o:tf] C0f lng o; a}+saf6 k"j{ :jLs[t lng' kg]{5 . C0f /sd lelq;s] kZrft\ clgjfo{ ?kdf o; a}+sdf

n]vfÍg u/fpg' kg]{5 . C0fsf] ;fFjf Aofh e'QmfgL ubf{ o; a}+snfO{ cljnDa hfgsf/L u/fO{ o; a}+ssf]

clen]vdf cBfjlws u/fpg' kg]{5 . ;fy}, C0fsf] Aofh e'QmfgL ubf{ k|rlnt lgodfg';f/ nfUg] s/ s§L u/]/

dfq e'QmfgL ug'{ kg]{5 .

-(_ a}+s tyf ljQLo ;+:yfx¿n] C0f /sd leq\ofpFbf ;DklQ z'4Ls/0f tyf cftÍjfbL lqmofsnfkdf ljQLo

nufgL lgjf/0f ;DaGwL k|rlnt /fli6«o tyf cGt/f{li6«o sfg"gsf] k"0f{ kfngf ug'{ kg]{5 .

sfo{sf/L lgb]{zs


ldlt @)&%÷)$÷@# / @)&%÷)(÷!) df k|sflzt o;} ljifo;Fu ;DalGwt ;"rgfx¿ vf/]h ul/Psf] 5 .

Website: www.nrb.org.np df k|sfzg ldlt M @)&%÷!!÷!%

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d'b|fdf C0f lng ;Sg] Joj:yf ;DaGwL ;""rgf .

288

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C0f lng ;Sg] Joj:yf ;DaGwL

;""rgf

ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !)v= n] lbPsf] clwsf/ k|of]u u/L o; a}+saf6 Ohfhtkqk|fKt æsÆ,

ævÆ / æuÆ ju{sf a}+s tyf ljQLo ;+:yfx¿n] b]xfosf zt{x¿sf] kfngf ug]{ u/L ljb]zL a}+s tyf ljQLo ;+:yfx¿sf ;fy}

lgofds lgsfoaf6 :jLs[tk|fKt ljb]zL k]G;g km08, x]h km08 nufotsf ;|f]taf6 kl/jTo{ ljb]zL d'b|fdf C0f lng ;Sg]

Joj:yf ul/Psf]n] ;DalGwt ;a}sf] hfgsf/Lsf] nflu of] ;fj{hlgs ;"rgf k|sfzg ul/Psf] 5 .

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/ jfo' phf{_ pTkfbg tyf k|;f/0f nfOg, ;8s, ;'?ªdfu{, ljdfg:yn, s]jnsf/, k'n h:tf ef}lts k"jf{wf/ -

xfplhË, hUuf ljsf; h:tf l/on:6]6sf] If]q afx]s_, ljb]zL d'b|f cfh{g ug]{ ko{6g, s[lif If]q, ;fgf tyf demf}nf

pBf]u, cGo pTkfbgd'ns If]q / n3'ljQ If]qdf shf{ k|jfx ug]{ k|of]hgsf nflu ljQLo ;fwgsf] k|jGw ug{ ljb]zL

a}+s tyf ljQLo ;+:yfx¿sf ;fy} lgofds lgsfoaf6 :jLs[tk|fKt ljb]zL k]G;g km08, x]h km08 nufotsf ;|f]taf6

kl/jTo{ ljb]zL d'b|fdf C0f lng ;Sg]5g\ . o;/L kl/jTo{ ljb]zL d'b|fdf C0f lnFbf ef/tLo d'b|fdf C0f lnPsf] eP

;f] ;d]t u/L cfkm\gf] s'n k|fylds kF"hLsf] ztk|ltzt;Dd dfq C0f lng ;Sg]5g\ .

-@_ o; a}+sn] tf]s] adf]lhdsf] k"FhLsf]if sfod u/]sf æsÆ, ævÆ / æuÆ ju{sf a}+s tyf ljQLo ;+:yfx¿n]] dfq o:tf]

C0f lng ;Sg] 5g\ .

-#_ o:tf] C0f lng ;DalGwt a}+s tyf ljQLo ;+:yfsf]] ;+rfns ;ldltaf6 lg0f{o ePsf] x'g' kg]{5 .

-$_ C0f lbg] ljb]zL ;+:yfnfO{ cGt/f{li6«o ?kdf ljQLo sf/f]jf/ ug{df s'g} lsl;dsf] aGb]h nufOPsf] x'g' x'g] 5}g .

-%_ o:tf] C0fsf] e'QmfgL cjlw Go"gtd ! jif{b]lv clwstd % aif{;Ddsf] dfq x'g' kg]{5 . t/, o; a}+ssf] :jLs[lt lnO{

o:tf] C0f gjLs/0f ug{ ;lsg]5 .

-^_ C0fsf] Jofhb/ nufot C0fbftfn] nufpg] cGo ;Dk"0f{ z'Ns (Fee) u/L clwstd 6 Month Libor + 4% leq x'g'

kg]{5 . pQm Jofh nfutsf] ;Ldfleq /x]/ shf{ :jLs[t ug]{ k|of]hgsf] nflu s'g} z'Ns, sldzg ltg{ kg]{ eP C0f

k|fKt ePkl5 e'QmfgL lbg] u/L Joj:yf ldnfpg ;lsg]5 .

-&_ o:tf] C0f ljb]zaf6 leq\ofpg] k|of]hgsf] nflu C0f k|bfg ug]{ ljb]zL ;+:yfnfO{ s'g} lsl;dsf] lwtf], hdfgt, a}+s

Uof/]G6L lbg kfOg] 5}g .

-*_ o;/L lnPsf] C0faf6 dfly zt{ g+= ! df pNn]lvt If]qx¿df kl/jTo{ ljb]zL d'b|fdf ;d]t C0f k|jfx ug{ ;lsg]5 . -(_ a}+s tyf ljQLo ;+:yfx¿n] o;/L leq\ofPsf] C0f /sd kl/jTo{ ljb]zL d'b|fsf] cGt/ a}+s sf/f]jf/df k|of]u ug{

kfpg] 5}gg\ .

-!)_ o:tf] C0f lng o; a}+saf6 k"j{ :jLs[lt lng' kg]{5 . C0f /sd lelq;s] kZrft\ ;f] /sdsf] clgjfo{ ?kdf o;

a}+sdf n]vfÍg u/fpg' kg]{5 . C0fsf] ;fFjf Aofh e'QmfgL u/] kZrft\ ;f] ;DaGwdf o; a}+snfO{ cljnDa hfgsf/L

u/fO{ o; a}+ssf] clen]vdf cBfjlws u/fpg' kg]{5 . ;fy}, C0fsf] Aofh e'QmfgL ubf{ k|rlnt lgodfg';f/ nfUg]

s/ s§L u/]/ dfq e'QmfgL ug'{ kg]{5 .

-!!_ a}+s tyf ljQLo ;+:yfx¿n] C0f /sd leq\ofpFbf ;DklQ z'4Ls/0f tyf cftÍjfbL lqmofsnfkdf ljQLo nufgL

lgjf/0f ;DaGwL /fli6«o tyf cGt/f{li6«o sfg"g / gLlt÷lgodsf] k"0f{ kfngf ug'{ kg]{5 .

sfo{sf/L lgb]{zs


ldlt @)&%÷!!÷!% ut] k|sflzt o;} ljifo;Fu ;DalGwt ;"rgf vf/]h ul/Psf] 5 .

Website: www.nrb.org.np/fxm df k|sflzt ldlt M @)&^÷)%÷@#

-!*_ g]kfn /fi6« a}+saf6 Ohfhtkqk|fKt æsÆ, ævÆ / æuÆ ju{sf a}s tyf ljQLo ;+:yfx¿n] kl/jTo{

ljb]zL d'b|fdf C0f lng ;Sg] Joj:yf ;DaGwL ;""rgf .

289

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s]Gb|Lo sfof{no


Ohfhtkqk|fKt n3'ljQ ljQLo ;+:yfx¿n] kl/jTo{ ljb]zL d'b|fdf C0f lng ;Sg] Joj:yf ;DaGwL

;""rgf

ljb]zL ljlgdo -lgoldt ug]{_ P]g, @)!( sf] bkmf !)v= n] lbPsf] clwsf/ k|of]u u/L o; a}+saf6 Ohfhtkqk|fKt u/]sf

n3'ljQ ljQLo ;+:yfx¿n] b]xfosf zt{x¿sf] kfngf ug]{ u/L ljb]zL a}+s tyf ljQLo ;+:yfx¿sf ;fy} lgofds lgsfoaf6

:jLs[tk|fKt ljb]zL k]G;g km08, x]h km08 nufot cGo ;+:yfx¿af6 kl/jTo{ ljb]zL d'b|fdf C0f lng ;Sg] Joj:yf

ul/Psf]n] ;DalGwt ;a}sf] hfgsf/Lsf] nflu of] ;fj{hlgs ;"rgf k|sflzt ul/Psf] 5 .

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-!_ o; a}+saf6 Ohfhtkqk|fKt æ3Æ ju{sf n3'ljQ ljQLo ;+:yfx¿n] ljb]zL d'b|f cfh{g ug]{ ko{6g, s[lif If]q,

n3' pBd tyf Joj;fo, n3' hnljB't tyf gjLs/0fLo phf{, /f]huf/L tyf :j/f]huf/L l;h{gf dfkm{t

cfocfh{g, ul/aL lgjf/0f / pTkfbg clej[l4df ;xof]u k'Ug] u/L cfkm\gf] sf/f]jf/ If]qleq kg]{ pBd,

Joj;fo, kl/of]hgf, ;fgf tyf demf}nf pBf]u, cGo pTkfbgd'ns If]q cflbdf shf{ k|jfx ug]{ k|of]hgsf

nflu ljQLo ;fwgsf] k|jGw ug{ ljb]zL a}+s tyf ljQLo ;+:yfx¿sf ;fy} lgofds lgsfoaf6 :jLs[tk|fKt

ljb]zL k]G;g km08, x]h km08 nufotsf ;|f]taf6 kl/jTo{ ljb]zL d'b|fdf C0f lng ;Sg]5g\ .

-@_ o; a}+sn] tf]s] adf]lhdsf] k"FhLsf]if sfod u/]sf n3'ljQ ljQLo ;+:yfx¿n]] dfq o:tf] C0f lng ;Sg] 5g\ .

-#_ o:tf] C0f lnbf pQm C0f /sd ;d]t hf]8\bf cfkm\gf] k|fylds k'FhLsf] a9Ldf #) u'0ff ;Dd dfq ljQLo >f]t

kl/rfng x'g ;Sg] u/L Joj:yf ldnfpg' kg]{5 .

-$_ o:tf] C0f lng ;DalGwt ;+:yfsf] ;+rfns ;ldltaf6 lg0f{o ePsf] x'g' kg]{5 .

-%_ C0f lbg] ljb]zL ;+:yfnfO{ cGt/f{li6«o ?kdf ljQLo sf/f]jf/ ug{df s'g} lsl;dsf] k|ltjGw gnufOPsf] x'g'

kg]{5 .

-^_ o:tf] C0fsf] e'QmfgL cjlw Go"gtd ! jif{b]lv clwstd % aif{;Ddsf] dfq x'g' kg]{5 . t/, o; a}+ssf]

:jLs[lt lnO gjLs/0f ug{ ;lsg]5 .

-&_ C0fsf] Jofhb/ nufot C0fbftfn] nufpg] cGo ;Dk"0f{ z'Ns (Fee) ;d]t u/L clwstd 6 Month Libor +

4% leq x'g' kg]{5 . pQm Jofhb/ afx]s shf{ :jLs[lt ubf{ lnO{g] cGo s'g} z'Ns, sldzg lbg kfOg] 5}g .

pQm Jofh nfutsf] ;Ldfleq /x]/ shf{ :jLs[t ug]{ k|of]hgsf] nflu s'g} z'Ns, sldzg ltg'{kg]{ eP C0f

k|fKt ePkl5 e'QmfgL lbg] u/L Joj:yf ldnfpg ;lsg]5 .

-*_ o:tf] C0f ljb]zaf6 leq\ofpg] k|of]hgsf] nflu C0f k|bfg ug]{ ljb]zL ;+:yfnfO{ s'g} lsl;dsf] lwtf],

hdfgt, a}+s Uof/]G6L lbg kfOg] 5}g .

-(_ o:tf] C0f lng o; a}+saf6 k"j{ :jLs[lt lng' kg]{5 . C0f /sd lelq;s] kZrft\ clgjfo{ ?kdf o; a}+sdf

n]vfÍg u/fpg' kg]{5 . C0fsf] ;fFjf Aofh e'QmfgL u/] kZrft ;f] ;DaGwdf o; a}+snfO{ clanDa hfgsf/L

u/fO{ o; a}+ssf] clen]vdf cBfjlws u/fpg' kg]{5 . ;fy}, C0fsf] Aofh e'QmfgL ubf{ k|rlnt lgodfg';f/

nfUg] s/ s§L u/]/ dfq e'QmfgL ug'{ kg]{5 .

-!)_ a}+sn] C0f /sd leq\ofpFbf ;DklQ z'4Ls/0f tyf cftÍjfbL lqmofsnfkdf ljQLo nufgL lgjf/0f ;DaGwL

/fli6«o tyf cGt/f{li6«o sfg"gsf] k"0f{ kfngf ug'{ kg]{5 .

sfo{sf/L lgb]{zs


ldlt @)&%÷!)÷!& ut] k|sflzt o;} ljifo;Fu ;DalGwt ;"rgf vf/]h ul/Psf] 5 .

Website: www.nrb.org.np/fxm df k|sflzt ldlt M @)&^÷)%÷@#

-!(_ n3' ljQ ljQLo ;+:yfx¿n] kl/jTo{ ljb]zL d'b|fdf C0f lng ;Sg] Joj:yf ;DaGwL ;""rgf .