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Bank Comp Act1991 2013
Bank Comp Act1991 2013
Bank Comp Act1991 2013
(2013 ch mskvwaZ)
m~wP
aviv
cv
welq
c_g L
cviwK
1|
2|
3|
4|
msw wkivbvgv
Abvb AvBbi cqvM
mgevq mwgwZ I Abvb Avw_K cwZvbi AvBbi mxwgZ cqvM
[***]
1
1
2
2
2-5
5
wZxq L
evsK-Kvvbxi Kvhvejx
7|
evsK-Kvvbxi Kvhvejx
8|
9|
6-8
10
12
12-14
14
14-15
15
16
17-19
19
20
20
20
21
21-22
22-23
23
23
24
24
24-25
25-26
26-27
27-28
28-29
29-30
30-31
31
31-33
33
33
33-34
34
34-35
35
35-37
37
37-38
34|
35|
36|
37|
38|
39|
39K|
39L|
40|
41|
42|
43|
44|
45|
46|
47|
48|
49|
evsjv`ki Afi m`
A`vexKZ AvgvbZ Ges g~jevb mvgMx
lvbvwmK weeiYx BZvw`
Z_vw` cKvki gZv
wnmve I evjkxU
wbixv
wekl wbixv
wbixKK AhvM NvlYv
weeiYx `vwLj
iwRvii wbKU evjkxU BZvw` ciY
evsjv`k KvhiZ evsK-Kvvbx KZK wbixwZ evjkxU c`kb
wnmve ms v weavbvejxi fwelvcZv
cwi`kb
evsjv`k evsKi wb`k `vbi gZv
evsK-Kvvbxi cwiPvjK, BZvw`i AcmviYi evcvi evsjv`k evsKi gZv
evsjv`k evsK KZK evsK-Kvvbxi cwiPvjK cl` evwZj Kivi gZv
mxgveZv
evsjv`k evsKi AwaKZi gZv I Kvhvejx
50|
39
40-45
45
45
45-46
46-48
48
48
49
49
49
50
50-51
51-52
52-53
53-54
54
55-56
56
ZZxq L
Kvvbx, BZvw`i eAvBbx evsK-eemv
51|
57
52|
53|
54|
55|
59
56|
60
57-58
58
58-59
PZz_ L
evsK-Kvvbx mwKZ KwZcq-ZrciZvi Dci wewa-wbla
57| evsK-Kvvbx mwKZ KwZcq ZrciZvi kvw
61
cg L
evsK-Kvvbxi AwaMnY
58|
59|
60|
61|
62|
63|
evsK-Kvvbxi AwaMnY
miKvii xg cYqbi gZv
AwaMnxZ-evsKi kqvi-nvviMYK wZc~iY c`vb
UvBeybvji MVb
UvBeybvji `Iqvbx Av`vjZi gZv
UvBeybvji KvhcwZ
62-63
64-65
65-66
66
66
67
6 L
evsK-Kvvbxi eemv mvgwqKfve e ivLv I Aemvqb
64|
65|
66|
67|
68|
69|
70|
71|
72|
73|
74|
75|
76|
77|
68
69-70
70-71
71
71
71
71-72
72
73
73
73-75
75
76
76-81
mg L
Aemvqb Kvhavivi `Z wbw
78|
79|
80|
81|
82|
83|
84|
85|
86|
82
82
82-83
83-84
85
85
85-87
87
88
88-89
89-90
90
90
91
91
92
92
92
93
93
94
94
94
Ag L
wewea
101| bw_c msiYi welq miKvii wewa cYqbi gZv
95
102| cwikvwaZ `vex m^wjZ `wjj MvnKi wbKU diZ c`vb
95
103| AvgvbZx A_ cwikvai Rb gbvbqb `vb
95-96
104| AvgvbZ mK Ab Kvb ewi `vex AMnYhvM
96
105| evsK-Kvvbxi wbivc` wRvq iwZ mvgMx diZ c`vbi Rb gbvbqb
96-97
106| wRvq iwZ Kvb mvgMx mK Ab Kvb ewi `vex AMnYhvM
97
107| wbivc` jKvi iwZ mvgMx diZ c`vb
97-98
108| wbivc` jKvi iwZ mvgMx mK Ab Kvb ewi `vex AMnYhvM
98
109| `
99-102
110| evsK-Kvvbxi Pqvigvb, cwiPvjK BZvw` RbmeK
102
111| Aciva wePviv_ MnY
102
112| evsK Kvvbxi wei kvwg~jK Kvhaviv MnYi cwZ
102
113| Av`vqKZ A_ eenvi
103
114| cvBfU evsK-Kvvbxi Rb wekl weavb
103
115| PK viv cZvnvihvM AvgvbZ MnYi Dci evav-wbla
103
116| evsK-Kvvbxi bvg cwieZb
103
117| evsK-Kvvbxi msN viK cwieZb
103
118| KwZcq wZc~iYi `vex wbwl
103
119| Z_ wewbgq
103
120| wewa cYqbi gZv
103
121| KwZcq AevnwZ c`vbi gZv
104
122| mij wekvm KZ KvRKg iY
104
123| iwnZKiY I ndvRZ
104
Zdwmjmg~n
c_g Zdwmj
105-129
wZxq Zdwmj
130
mskvabxmg~n
131
iwRvW bs wW G-1
evsjv`k
MRU
AwZwi msLv
KZc KZK cKvwkZ
kwbevi, g 4, 1991
wet `t 21, 22 I 23| evsK Kvvbx (mskvab) AvBb, 2013 gvZveK mskvwaZ|
24| evsK Kvvbx (mskvab) AvBb, 1995 gvZveK mskvwaZ|
25| evsK Kvvbx (mskvab) AvBb, 2013 gvZveK mskvwaZ|
wZxq L
evsK-Kvvbxi Kvhvejx
7| evsK-Kvvbxi Kvhvejx|(1) evsK-eemv QvovI, Kvb evsK-Kvvbx
wbgewYZ mKj ev h Kvb eemvq wbqvwRZ nBZ cvwie, h_vt(K) FY MnY, A_ msMn ev MnY;
(L) RvgvbZ jBqv ev RvgvbZ ewZiK AwMg ev KR c`vb;
(M) wewbgq wej, w, cwZkwZc, Kcb, WvdU, enbc, ijIq
iwk`, IqviU, FYc, mvwUwdKU, gqv`x AskMnY-c, gqv`x
A_ msvb-c, gykvwiKv mvwUwdKU, [gy`vivev] 26 mvwUwdKU Ges
evsjv`k evsK KZK Abygvw`Z Abyic Abvb `wjj, Ges
nvi ev wewbgqhvM nDK ev bv nDK Ggb Abvb `wjj I
mw wb`kb-c, gZ, mv`b, wjLb, `vex cZKiY,
evvKiY, q, we q, msMn Ges jb`b;
(N) jUvi Ae wWU, Uvfjvm PK, [evsK KvW] 27 Ges mvKzjvi bvU
Abygv`b I Bmy Kiv;
(O) ^Y, ic I Abvb avZe gy`v q, we q Ges jb`b;
(P) we`kx evsK bvUmn e`wkK gy`v q Ges we q;
(Q) K, Znwej, kqvi, wWevi-K, e, `vq mw wb`kb-c,
gqv`x AskMnY-c, gqv`x A_ msvb-c, gykvwiKv mvwUwdKU,
[gy`vivev] 28 mvwUwdKU Ges evsjv`k evsK KZK Abygvw`Z
Abvb `wjj I mecKvi wewbqvM MnY, aviY, Kwgkb wfwZ
ciY, Ges Dnv`i `vq MnY I jb`b;
[(R) e, wc ev Abvb cKvii mw wb`kb c h_v, gqv`x
AskMnY-c, gqv`x A_ msvb-c, gy`vivev mvwUwdKU,
gykvwiKv mvwUwdKU Ges evsjv`k evsK KZK Abygvw`Z Abvb
Abyic `wjj, miKvii c ev Abvb`i c q I we q;]29
Ges
(S) FY I AwMgi e`ve Kiv;
(T) mecKvi e I g~jevb mvgMxi AvgvbZ MnY ev Dnvw`MK wbivc`
ndvRZ ev Abfve ivwLevi Rb MnY;
wet `t 26| evsK Kvvbx (mskvab) AvBb, 2003 gvZveK mskvwaZ|
27| evsK Kvvbx (mskvab) AvBb, 2013 gvZveK mskvwaZ|
28| evsK Kvvbx (mskvab) AvBb, 1993 gvZveK mskvwaZ|
29| evsK Kvvbx (mskvab) AvBb, 2013 gvZveK mskvwaZ|
10
11
12
13
14
15
16
17
(2) Dc-aviv (1) G hvnv wKQyB _vKzK bv Kb, Kvb evsK-Kvvbxi cavb
wbevnx KgKZvi c` [GKvw` g]68 wZb gvmi AwaK mgqi Rb k~b
ivLv hvBe bv|
(3) Dc-aviv (2) G DwjwLZ mgqmxgvi ga Kvb evsK-Kvvbxi cavb
wbevnx KgKZvi c` c~iY Kiv bv nBj evsjv`k evsK D Kvvbxi
cavb wbevnx KgKZvi `vwqZ cvjb Kivi Rb ckvmK wbhy KwiZ
cvwieb Ges D Kvvbx Zvnvi eZb I Abvb myweavw` eve` LiP enb
Kwie|]69
wet `t 67| evsK Kvvbx (mskvab) AvBb, 2013 gvZveK mskvwaZ|
68| evsK Kvvbx (mskvab) AvBb, 2003 gvZveK mskvwaZ|
69| evsK Kvvbx (mskvab) AvBb, 1995 gvZveK mskvwaZ|
19
20
21
22
23
24
25
26
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29
30
31
32
33
34
35
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44
45
46
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48
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50
51
52
hw` Kvb evsK-Kvvbxi Pqvigvb ev cwiPvjK ev cavb wbevnx Dcaviv (1) Gi Aaxb AcmvwiZ nb Zvnv nBj wZwb D Kvvbxi
Pqvigvb ev, gZ, cwiPvjK, cavb wbevnx c` envj _vwKeb bv,
Ges D Av`k wbw` gqv`i Rb hvnv wZb ermii ekx nBe bv,
wZwb D evsK-Kvvbx ev Ab Kvb evsK-Kvvbxi eevcbvq,
cZ ev civfve, mshy nBeb bv ev AskMnY KwiZ cvwieb bv|
(4)
(5)
(K)
(L)
53
54
55
56
ZZxq L
57
58
59
wet `t 217 nBZ 219| evsK Kvvbx (mskvab) AvBb, 2003 gvZveK mskvwaZ|
60
PZz_ L
evsK-Kvvbx mwKZ KwZcq ZrciZvi
Dci wewa-wbla
57| evsK-Kvvbx mwKZ KwZcq ZrciZvi kvw|(1) Kvb ew,
(K) evsK-Kvvbxi Kvb `i ev Kvhj AvBbvbyMfve Ab Kvb
ewi cek ev Z_v nBZ ewnMgb ev Z_vq Kvb Kvh mv`b
evav mw Kwieb bv; A_ev
(L) evsK-Kvvbxi Kvb `i ev Kvhj DMfve Kvb wgwQj
Kwieb bv, ev evsK-Kvvbxi ^vfvweK KvhKjvc I jb`b
evNvZ mwKvix ev evNvZ mwi Dk cwiKwZ Kvb Kvh
Kwieb bv; ev
(M) evsK-Kvvbxi Dci Dnvi AvgvbZKvixi Avv b Kwievi
Dk cwiKwZfve Kvb wKQy Kwieb bv|
(2) Kvb ew hywmsMZ KviY ewZiK Dc-aviv (1) Gi weavb fsM
Kwij, wZwb Ab~a `yB ermii Kviv` ev Ab~a [`yB j]220 UvKv
A_` ev Dfq ` `bxq nBeb|
(3) GB avivq evsK-Kvvbx ewjZ evsjv`k evsKKI eySvBe|
61
cg L
62
(7) hw` wbavwiZ ZvwiL AwaMnxZ evsKi viv `vqiKZ ev Dnvi wei
`vqiKZ Kvb gvKgv, Avcxj ev Ab Kvb AvBbMZ Kvhaviv
wePvii Acvq _vK, Zvnv nBj Dnv Pvjy _vwKe Ges Dnv miKvi
ev, gZ, AwaMnxZ evsKi viv ev wei iRy nBqvwQj ewjqv MY
nBe|
wet `t 224 nBZ 227| evsK Kvvbx (mskvab) AvBb, 2013 gvZveK wejy|
63
64
65
66
67
6 L
evsK-Kvvbxi eemv mvgwqKfve
e ivLv I Aemvqb
64| mvgwqKfve eemv e ivLv|(1) mvgwqKfve `vq cwikva Ag Kvb
evsK-Kvvbxi Ave`b g, nvBKvU wefvM D Kvvbxi wei [mKj
AvBbMZ Kvhaviv]234 ZrKZK wbavwiZ kZvaxb, wbw` mgqi Rb wMZ
ivLvi Av`k w`Z cvwie, hvnvi GKwU Abywjwc evsjv`k evsKi wbKU
ciY KwiZ nBe, Ges nvBKvU wefvM mgq mgq D mgqmxgv ewaZ KwiZ
cvwie| wK GB ewaZ mgqi gqv` megvU Qq gvmi AwaK nBe bv|
(2) Ave`bKvix evsK-Kvvbx Dnvi `bv cwikva KwiZ cvwie GB gg
evsjv`k evsK KZK c` GKwU wicvU Ave`bci mwnZ mshvwRZ
bv nBj Dc-aviv (1) Gi Aaxb Ave`bc MnYhvM nBe bv t
Ze kZ _vK h, Ave`bci mwnZ Dic wicvU mshvwRZ bv
_vwKjI nvBKvU wefvM, h_vh_ KviY _vwKj, D evsK-KvvbxK
GB avivi Aaxb cwZKvi c`vb KwiZ cvwie Ges GBic cwZKvi c`vb
Kiv nBj, nvBKvU wefvM D evsK-Kvvbxi Aev mK evsjv`k
evsK nBZ GKwU wicvU Zje Kwie, Ges D wicvU cvwi ci
nvBKvU wefvM Dnvi Av`k evwZj KwiZ cvwie ev Ab Kvb h_vh_
Av`k c`vb KwiZ cvwie|
(3) Dc-aviv (1) Gi Aaxb Kvb Ave`bc `vwLj Kiv nBj, nvBKvU
wefvM GKRb wekl KgKZv wbqvM KwiZ cvwie, Ges Ave`bKvix
evsK-Kvvbx h mKj m` ewn, `wjj, gvjvgvj Ges Av`vqhvM
`vexi AwaKvix ev AwaKvix ewjqv aviYv Kiv nq, mme wKQyB D KgKZv
ZrYvr wbRi Zveavb ev wbqY MnY Kwieb, Ges D evsKKvvbxi AvgvbZKvix`i ^v_ weePbv Kwiqv nvBKvU wefvM Ab h
gZv ZuvnvK AcY Kwie mB gZvI wZwb cqvM KwiZ cvwieb|
(4) Kvb evsK-Kvvbxi evcvi hw` Dc-aviv (1) Gi Aaxb Kvb Av`k
c`vb Kiv nq Ges hw` evsjv`k evsK GB gg m nq h, D
evsKi KvhKjvc Dnvi AvgvbZKvixMYi ^v_weivax cwZZ
cwiPvwjZ nBZQ, Zvnv nBj evsjv`k evsK D evsK-Kvvbxi
Aemvqbi Rb nvBKvU wefvMi wbKU Ave`b KwiZ cvwie Ges
GBic Ave`bc `vwLj Kiv nBj, nvBKvU wefvM D Dc-avivi
Aaxb c` wMZ Av`ki gqv` Avi ewaZ Kwie bv|
wet `t 234| evsK Kvvbx (mskvab) AvBb, 2013 gvZveK mskvwaZ|
68
69
70
67|
68|
69|
70|
wet `t 243 nBZ 244| evsK Kvvbx (mskvab) AvBb, 2003 gvZveK mskvwaZ|
245| evsK Kvvbx (mskvab) AvBb, 2013 gvZveK mskvwaZ|
246 nBZ 247| evsK Kvvbx (mskvab) AvBb, 2003 gvZveK mskvwaZ|
248| evsK Kvvbx (mskvab) AvBb, 1993 gvZveK mskvwaZ|
71
72
73
75
76
80
81
mg L
Aemvqb Kvhavivi `Z wbw
78| Abvb AvBbi Dci mg Li cvavb|Kvvbx AvBb ev AvcvZZt
ejer Ab Kvb AvBb, ev Ab Kvb AvBb c` gZvej cYxZ ev Z`axb
ejer Kvb `wjj hvnv wKQyB _vKzK bv Kb, GB Li weavbvejx Ges Dnvi
Aaxb cYxZ wewa KvhKi _vwKe| Ze D AvBb ev Ab Kvb AvBb ev
`wjji weavb hw` GB L ev Dnvi Aaxb cYxZ wewai viv cwiewZZ bv nq,
ev Dnvi mwnZ Amvgm bv nq, Zvnv nBj Dnv GB L ev Z`axb cYxZ wewai
Aaxb MnxZ Kvhavivi I chvR nBe|
79| evsK-Kvvbxi mKj `vexi evcvi nvBKvU wefvMi wmv c`vbi
gZv|Kvb evsK-Kvvbxi Aemvqb Av`k c` nBevi ev GB AvBb
cewZZ nBevi c~e ev ci wbgewYZ welqvejx hLbB DvwcZ nDK, nvBKvU
wefvM, aviv 80 Z wfbZi Kvb my weavb bv _vwKj, Dnv weePbv I
Dnv`i Dci wmv c`vb KwiZ cvwie, h_vt(K) Aemvqbvaxb evsK-Kvvbx Ges evsjv`k AewZ Dnvi kvLvmg~n
KZK ev Dnv`i wei DvwcZ `vex;
(L) Aemvqbvaxb evsK-Kvvbx KZK ev Dnvi wei Kvvbx AvBbi
[aviv 228]261 Gi Aaxb `vwLjKZ Kvb Ave`b; ev
(M) Aemvqb Kvhavivi h Kvb chvq DvwcZ Aemvqbvaxb evsK-Kvvbx
mwKZ AMvwaKvi welqK ev Ab h Kvb AvBbMZ ev NUbvMZ ck|
80| wePvivaxb gvgjv vbvi|(1) Kvb evsK-Kvvbxi evcvi Aemvqb
Av`k c` nBj, Dnvi viv ev Dnvi wei, GB AvBb ceZbi AeewnZ
c~e ev D Aemvqb Av`k Abyic ceZbi ci c` nBj, Dnv c`vbi
ZvwiLi c~e Kvb Av`vjZ `vqiKZ Kvb gvgjv ev Kvhaviv hw` GB
AvBbi Aaxb ay gv nvBKvU wefvM wePvh nq Zvnv nBj Dnvi Kvhaviv
AZtci weaZ cwZ AbymiY ewZiK AMmi nBe bv|
(2) Aemvqb Av`k c`vbi ev GB AvBb ceZbi ZvwiLi ga h ZvwiL
cieZx nq mB ZvwiL nBZ wZb gvmi ga, ev nvBKvU wefvM KZK
ewaZ mgqi ga, miKvix AemvqK wevwiZ weeiYmg~n Dc-aviv (1)
G DwjwLZ wePvivaxb gvgjv ev Kvhaviv mwKZ GKwU cwZe`b
nvBKvU wefvMi wbKU `vwLj Kwie|
wet `t 261| evsK Kvvbx (mskvab) AvBb, 2003 gvZveK mskvwaZ|
82
wet `t 262 nBZ 263| evsK Kvvbx (mskvab) AvBb, 2013 gvZveK mskvwaZ|
83
84
85
87
89
90
91
93
94
Ag L
wewea
101| bw_c msiYi welq miKvii wewa cYqbi gZv| Kvb evsKKvvbxi wnmvei LvZv, cwikvwaZ `vex-m^wjZ `wjj Ges Abvb `wjjvw`
KZ w`b ch msiY KwiZ nBe mB welq miKvi, evsjv`k evsKi
mwnZ civgk g Ges miKvix MRU cvcb viv, wewa cYqb KwiZ
cvwie|
102| cwikvwaZ `vex-m^wjZ `wjj MvnKi wbKU diZ c`vb| (1) evsKKvvbxi Kvb MvnKi cwikvwaZ `vex-m^wjZ `wjj, aviv 101 Gi Aaxb
cYxZ wewaZ wbavwiZ mgq AwZ v nIqvi c~e, diZ w`evi Rb D MvnK
Abyiva Kwij, D Kvvbx Ggb hvwK ev Ab Kvb cwZi gvag D
`wjji mKj Aski GKwU mwVK Abywjwc Dnvi wbKU msiY Kwie h
cwZ D Abywjwci mwVKZv wbwZ Ki|
(2) evsK-Kvvbx Dc-aviv (1) G DwjwLZ Abywjwc Zwii LiP MvnKi wbKU
nBZ Av`vq KwiZ cvwie|
evLv| GB avivq MvnK ewjZ Kvb miKvix Awdm ev mswewae msvKI
eySvBe|
103| AvgvbZx A_ cwikvai Rb gbvbqb `vb| (1) evsK-Kvvbxi wbKU
iwZ Kvb AvgvbZ hw` GKK ew ev h_fve GKvwaK ewi bvg Rgv
_vK, Zvnv nBj D GKK AvgvbZKvix GKKfve ev, gZ, h_
AvgvbZKvixMY h_fve, wbavwiZ cwZZ, Ggb [GKRb ev GKvwaK]277
ewK gbvbxZ KwiZ cvwieb [hvnvK ev hvnvw`MK]278 GKK
AvgvbZKvix ev h_ AvgvbZKvixMYi mKji gZzi ci, AvgvbZi UvKv
c`vb Kiv hvBZ cvi t
Ze kZ _vK h, D GKK AvgvbZKvix ev h_ AvgvbZKvixMY h Kvb
mgq D gbvbqb evwZj Kwiqv wbavwiZ cwZZ [Ab Kvb ewK ev
eweMK]279 gbvbxZ KwiZ cvwieb|
(2) Dc-aviv (1) Gi Aaxb [gbvbxZ Kvb ew]280 bvevjK nBj Zuvnvi
bvevjK _vKv Aevq D GKK AvgvbZKvixi ev h_ AvgvbZKvixMYi
wet `t 277 nBZ 280| evsK Kvvbx (mskvab) AvBb, 2013 gvZveK mskvwaZ|
95
97
99
100
101
102
103
104
[c_g Zdwmj
(aviv 38)
wwZc dig
wwZc
........ 20........... ZvwiL wfwK
UxKv
mw I m`
bM` Znwejt*
evsK Kvvbxi wbRi KvQ
(e`wkK gy`vmn)
evsjv`k evsK I Bnvi GRU
evsKi
mwnZ wwZ (e`wkK gy`vmn)
Abvb evsK I Avw_K cwZvbi
wbKU MwQZ A_
evsjv`k
evsjv`ki evwni
^ mgqi bvwUk cwikvai
AvnevbhvM A_
wewbqvM
miKvix
Abvb
FY I AwMg
FY, bM` FY, Ifvi WvdU BZvw`
evvKZ I xZ wej
fwg, BgviZ, Avmevec I
mivgmn vqx m`
* mshy bM` cevn weeiYx `e|
105
01
02
03
04
05
06
07
106
08
09
10
11
12
13
14
15
16
NUbv-mvc `vqmg~nt
17
c_g Zdwmj
(aviv 38)
19
20
21
22
23
24
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