evsjv`k dvBbvwqvj BUwjR BDwbU

evsjv`k evsK
cavb Kvhvjq
XvKv
www.bangladeshbank.org.bd

ZvwiL :

weGdAvBBD mvKyjvi bs-10

14 cl, 1421
28 wWm^i, 2014

eevcbv cwiPvjK/cavb wbevnx KgKZv

evsjv`k KvhiZ mKj Zdwmjx evsK
gvwbjvwis I mvmx Kvh A_vqb cwZiva Zdwmjx evsK KZK
AbymiYxq weavbmg~n mwKZ gvvi mvKzjvi|
gvwbjvwis cwZiva AvBb, 2012 I mvm weivax AvBb, 2009 (2012 I 2013 mvji mskvabxmn) Gi
Dk c~iYK Ges D AvBb I D AvBbi AvIZvq RvixKZ wewagvjvi mswk weavbvejx cwicvjb
evsjv`ki mKj Zdwmjx evsKi Rb AbymiYxq wbgewYZ wb`kbvmg~n gvwbjvwis cwZiva AvBb, 2012 Gi
23(1)(N) Ges mvm weivax AvBb, 2009 Gi 15(1)(R) avivq c` gZv ej Rvix Kiv njv t
1| cwicvjb KvVvgvt
1.1

gvwbjvwis Ges mvmx Kvh A_vqb cwZiva bxwZgvjv t

gvwbjvwis Ges mvmx Kvh A_vqb cwZiva AvRvwZK gvb`, `k we`gvb AvBb, wewagvjv I evsjv`k
dvBbvwqvj BUwjR BDwbU (weGdAvBBD)-Gi wb`kbvejxi mg^q cwZwU evsKi wbR^ bxwZgvjv _vKe
hv Zv`i cwiPvjbv cl` ev chvR evsKi mevP eevcbv KwgwU KZK Abygvw`Z ne| D bxwZgvjv
mswk mKji AeMwZZ AvbZ ne| evsK mgq mgq bxwZgvjvwU chvjvPbv Kie Ges cqvRbxq
mskvab/cwigvRb Kie|
1.2 gvwbjvwis Ges mvmx Kvh A_vqb cwZiva AxKvi NvlYv t
evsKi cavb wbevnx evrmwiK wfwZ evsKi mKj wefvMi KgKZv/KgPvix`i Dk gvwbjvwis Ges
mvmx Kvh A_vqb cwZiva my I KvhKi AxKvi NvlYv Kieb Ges AxKvi evevqb h_vh_ wb`kbv
c`vb Kieb|
1.3 K`xq cwicvjb BDwbU (Central Compliance Unit) t
(1) evswKs LvZK gvwbjvwis I mvmx Kvh A_vqb cwZiva welqK SzuwK nZ gy ivLvi Rb Ges
gvwbjvwis I mvmx Kvh A_vqb cwZiva welq we`gvb AvBb, wewagvjv Ges weGdAvBBD KZK mgq
mgq RvixKZ wb`kbvejx h_vh_fve cwicvjbv_-

(K)
cwZwU evsK GKRb EaZb KgKZvi bZZ cavb Kvhvjq GKwU K`xq cwicvjb BDwbU
(Central Compliance Unit) cwZv Kie hv mivmwi evsKi eevcbv cwiPvjK ev cavb wbevnx
KgKZv KZK Zveavb KiZ ne| DwjwLZ EaZb KgKZv cavb gvwbjvwis cwZiva cwicvjb
KgKZv (Chief Anti Money Laundering Compliance Officer-CAMLCO) bvg AwfwnZ
neb| G EaZb KgKZv ejZ evsKi eevcbv cwiPvjK/cavb wbevnx KgKZvi bxPi
2(`yB) avc ch c`ghv`vi KgKZvMY weewPZ neb| Ze we`kx evsKi D EaZb
KgKZvK AekB mevP eevcbv KwgwUi (Management Committee) m`m nZ ne| cavb
gvwbjvwis cwZiva cwicvjb KgKZv cwiewZZ nj Awej^ wjwLZfve weGdAvBBD-K AewnZ
KiZ ne| cavb gvwbjvwis cwZiva cwicvjb KgKZvK evsKi Ab Kvb `vwqZ Acbi c~e
eevcbv KZcK wbwZ nZ ne h Gi dj evsKwUi gvwbjvwis I mvmx Kvh A_vqb cwZiva
welqK Kvhg wewNZ ne bv|
(L)
K`xq cwicvjb BDwbU G Dc-cavb gvwbjvwis cwZiva cwicvjb KgKZv wnme b~bZg
mnKvix gnveevcK A_ev fvBm cwmWU A_ev mgc`ghv`vi GK ev GKvwaK KgKZvK gbvbqb
c`vb Kiv hve|
(M)
cavb gvwbjvwis cwZiva cwicvjb KgKZv I Dc-cavb gvwbjvwis cwZiva cwicvjb
KgKZvi gvwbjvwis I mvmx Kvh A_vqb cwZiva welq we`gvb AvBb, wewagvjv, weGdAvBBD
KZK mgq mgq RvixKZ wb`kbvejx I GZ`&welq AvRvwZK gvb`mg~ni Dci mgK aviYv _vKZ
ne|
(2) K`xq cwicvjb BDwbU b~bZg 5(cuvP) m`m wewk nZ ne hv cavb gvwbjvwis cwZiva cwicvjb
KgKZv I Dc-cavb gvwbjvwis cwZiva cwicvjb KgKZvmn evsKi EaZb chvqi KgKZvMYi
mg^q MwVZ ne| Zba, 2(`yB) Rb m`m evsKi Rbvij evswKs I Bbdigkb UKbvjwR wefvM
nZ gbvbxZ KiZ ne| Ze AfixY wbixv wefvM KgiZ Kvb KgKZv K`xq cwicvjb BDwbU Gi
m`m neb bv| K`xq cwicvjb BDwbU I AfixY wbixv wefvM m~Y c_K `yBwU BDwbU ev wefvM
wnme gvwbjvwis Ges mvmx Kvh A_vqb cwZiva welqK Kvhg mv`b Kie|
(3) gvwbjvwis I mvmx Kvh A_vqb cwZiva evsK cvwZvwbK Kkj I Kgm~Px wbaviY Kie Ges mgq
mgq Zv chvjvPbv Kie| K`xq cwicvjb BDwbU gvwbjvwis Ges mvmx Kvh A_vqb cwZiva Kgm~Pxi
evevqb wbwZ Kie|
(4) K`xq cwicvjb BDwbU gvwbjvwis I mvmx Kvh A_vqb cwZiva welq evsKi MnxZ c`c,
Gwelq evevqb AMMwZ I mycvwik m^wjZ cwZe`b lvbvwmK wfwZ (Rvbyqvwi-Ryb, RyjvB-wWm^i)
evsKi cavb wbevnxi AeMwZ I wb`kbvi Rb `vwLj Kie| D cwZe`b G mvKzjvii 8.3(1) G ewYZ
welqmg~nmn gvwbjvwis Ges mvmx Kvh A_vqb cwZiva welq weGdAvBBD KZK Kvb eev MnxZ nq
_vKj Zv Afz KiZ ne| cavb wbevnxi wb`kbv I gZvgZmn cwZe`bwU evsKwUi cwiPvjbv cl` ev
mevP eevcbv KwgwUi mfvq Dcvcb KiZ ne Ges cwZe`bwUi GKwU Kwc mswk lvbvwmK kl
nIqvi 2(`yB) gvmi ga weGdAvBBD eivei ciY KiZ ne|
(5) K`xq cwicvjb BDwbU wb DwjwLZ 1.4 AbyQ`i wb`kbv gvZveK kvLv chvq cwicvjb KgKZv
gbvbqbi gvag AfixY cwiexY I wbqY eev cwZv Kie| G wbw` KgKZvK
gbvbqbc~eK gbvbxZ KgKZvK Zuvi `vwqZmg~n wjwLZfve AewnZ Kie|

(6) K`xq cwicvjb BDwbU kvLvmg~ni Rb AbymiYxq wb`kbvejx Rvix Kie hLvb gvwbjvwis I
mvm A_vqb cwZiva jb`b cwiexY eev, AfixY wbqY eev, bxwZ I cwZmg~n Afz
_vKe|
1.4 kvLv gvwbjvwis cwZiva cwicvjb KgKZv t
(1) gvwbjvwis I mvmx Kvh A_vqb cwZiva we`gvb AvBb, wewagvjv, weGdAvBBD Gi wb`kbvejx
Ges evsKi wbR^ bxwZgvjv evevqbi Rb evsK cwZwU kvLvq GKRb Awf kvLv gvwbjvwis cwZiva
cwicvjb KgKZv (Branch Anti Money Laundering Compliance Officer-BAMLCO) gbvbxZ
Kie|
(2) kvLv eevcK, kvLvi wZxq KgKZv A_ev Rbvij evswKs G Awf EaZb KgKZvK kvLv
gvwbjvwis cwZiva cwicvjb KgKZv wnme gbvbxZ KiZ ne| kvLv gvwbjvwis cwZiva cwicvjb
KgKZvi gvwbjvwis I mvmx Kvh A_vqb cwZiva welq we`gvb AvBb, wewagvjv, weGdAvBBD Gi mKj
wb`kbv Ges evsKi wbR^ bxwZgvjvi welq mgK aviYv _vKZ ne| kvLv gvwbjvwis cwZiva cwicvjb
KgKZvi gbvbqbc Zvi Kgcwiwa Ges `vq `vwqZ mywbw`fve DjL _vKZ ne|
(3) kvLv gvwbjvwis cwZiva cwicvjb KgKZv kvLvi Abvb mswk iZc~Y KgKZv`i wbq gvwmK
wfwZ gvwbjvwis I mvmx Kvh A_vqb cwZiva welqK mfv Kieb Ges D mfvq wbv welqmg~nmn
gvwbjvwis I mvmx Kvh A_vqb cwZiva we`gvb AvBb, wewagvjv Ges weGdAvBBD Gi Abvb
wb`kbvi cwicvjb chvjvPbvc~eK h_vh_ eev MnY Kieb t

MvnK cwiwPwZ (KYC)

jb`b gwbUwis
m`nRbK jb`b ev Kvhg wPwZKiY I wicvwUs
iKW msiY
cwkY

1.5 gvevBj dvBbvwqvj mvwfm ev GRU evswKs Kvhg wbqvwRZ evsKmg~ni Rb KiYxq t
h mKj evsK gvevBj dvBbvwqvj mvwfm ev GRU evswKs Kvhg wbqvwRZ m mKj evsK D Kvhg
cwiPvjbvi gvwbjvwis I mvmx Kvh A_vqb SuywK wbimbK GKwU KvhKi wbqY eev cwZv Kie|
Ze, evsKi Kvb mvewmwWqvixi gvag gvevBj dvBbvwqvj mvwfm ev GRU evswKs Kvhg cwiPvwjZ nj
Ges D mvewmwWqvix gvwbjvwis cwZiva AvBb, 2012 ev mvm weivax AvBb, 2009 Gi AvIZvq wicvU
c`vbKvix msv wnme Afy ne Ges mswk mvewmwWqvix gvwbjvwis I mvmx Kvh A_vqb SuywK wbimbK
^Z cwicvjb KvVvgv I wbqY eev cwZv Kie| G evsK mvewmwWqvixi cwicvjb KvVvgv I wbqY
eev wbwZ Kie|
gvevBj dvBbvwqvj mvwfm I GRU evswKs Kvhg wbqvwRZ evsKmg~n KZK GRU ev Kvk cqU
wbqvMi h_vh_ hvPvB/evQvB cwqv (Screening Mechanism) AbymiY KiZ ne| G Kvk
cqU/GRU KZK gvwbjvwis I mvmx Kvh A_vqb welqK Kvhgi Rb mswk mev`vbKvix evsKmg~ni
Dci mgfve `vqfvi eZve|
2| MvnK wbevPb bxwZgvjv t
MvnK wbevPbi cwZwU evsKi GKwU mywbw` bxwZgvjv _vKZ ne| D bxwZgvjvq Abvb welqi mv_
AvewkKfve wbgv welqmg~n Afz _vKe t

(1) ebvg ev Qbvg ev aygv b^ihy Kvb MvnKi wnmve Lvjv hve bv |
(2) Shell Bank Gi mv_ Kvb aiYi evswKs mK vcb Kiv hve bv| G Shell Bank ejZ
Hme evsKK eySve hviv h`k wbewZ m`k Zv`i Kvb kvLv ev Kvhg bB Ges Kvb wbqwZ
Avw_K Mc (Regulated Financial Group) Gi Awafy bq |
(3) RvwZmsNi wbivcv cwil`i wewfb iRyjykbi AvIZvq mvm I mvmxKvh A_vqb RwoZ m`n
ZvwjKvfy Kvb ew ev mv Ges evsjv`k miKvi KZK ZvwjKvfy Kvb ew ev wbwl NvwlZ mvi
Kvb wnmve Lvjv hve bv ev cwiPvjbv Kiv hve bv| RvwZmsNi wbivcv cwil`i wewfb iRyjykbi
AvIZvq ZvwjKvfy ew ev mv ejZ mvm weivax wewagvjv, 2013 Gi 2 (Q) bs wewaZ msvwqZ
iRyjykbi
AvIZvq
ZvwjKvfz
ew
ev
mvK
eySve|
GB
ZvwjKvmg~n
http://www.un.org/sc/committees/index.shtml ev http://www.bb.org.bd/aboutus/
dept /bfiu/sanction_list.php IqewjsK nZ msMn Kiv hve| evsjv`k miKvi KZK ZvwjKvfy
Kvb ew ev wbwl NvwlZ mv ejZ mvm weivax AvBb, 2009 Gi 18 b^i avivq c` gZvej
evsjv`k miKvi KZK mgq mgq miKvwi MRU cvcb viv Zdwmjfz Kvb ew ev mvK eySve|
(4) Awbevmx evsjv`kx`i wnmve Lvjvi Foreign Exchange Regulation Act, 1947 Gi
weavbvejx I Gi AvIZvq evsjv`k evsK KZK RvixKZ wb`kbvmg~n AbymiYxq ne|
3| MvnK cwiwPwZ t
gvwbjvwis I mvmx Kvh A_vqb cwZiva Ges evswKs LvZK G welqK SzuwK nZ gy ivLvi Rb MvnK
cwiwPwZi mwVK I c~Yv Z_ msMn KiZ ne| evswKs eev hvZ gvwbjvwis ev mvmx Kvh A_vqbi SzuwKi
myLxb bv nq Zv wbwZ Kivi Rb cwZwU evsKK MvnKi h_vh_ cwiwPwZ MnY Ges hvPvB cwqv(Know
Your Customer-KYC) mv`b KiZ ne|
3.1 MvnKi msv t
gvwbjvwis I mvmx Kvh A_vqb SzuwK eevcbvq MvnK cwiwPwZ I hvPvB cwqvi MvnK ejZ wbgv
ew ev mvK eySve t
(1) evsKi mv_ Kvbic wnmve msiY Ki ev evsK Gi mv_ Kvbic eemvwqK mK iqQ Ggb h
Kvb ew ev mv;
(2) wnmve ev eemvwqK mKi cKZ myweavfvMx (Beneficial Owner) ZZxq Kvb ew ev mv hvi
c wnmve cwiPvwjZ nq;
(3) we`gvb AvBbx KvVvgvi AvIZvq wnmve cwiPvjbvKvix Kvb ckv`vi gaZvKvix KZK cwiPvwjZ
wnmve ev jb`bi cKZ myweavfvMx; Ges
(4) Kvb ew ev cwZvb KZK GKK jb`b msNwUZ AwaK g~ji wWgv WvdU, c-AWvi, UwjMvwdK
Uvdvi ev cwZvbi mybvg Ges Ab Kvb SzuwK mw KiZ cvi Ggb Avw_K jb`bi mswk ew
ev mv| G mswk ew ev cwZvbi ^vfvweK jb`b Gi Zzjbvq Kvb jb`b A^vfvweK cZxqgvb
nj Zv AwaK g~ji ej weewPZ ne|

3.2 Customer Due Diligence t

(1) Customer Due Diligence (CDD) ejZ wbfihvM I ^vaxb Drm nZ cv Z_, Dcv I
`wjjvw`i wfwZ MvnKi cwiwPwZ hvPvBKiY I mbvKiYmn wnmvei jb`b gwbUwis KivK eySve|
DjL h, MvnKi h_vh_ cwiwPwZ MnY Ges hvPvBKiY (KYC), CDD cwqvi GKwU Ask|
(2) MvnKi SzuwK weePbvq wbewYZ wewfb chvq CDD mv`b KiZ ne(K)

MvnKi mv_ mK vcbi mgq;

(L)

we`gvb MvnKi mv_ Avw_K jb`b msNUbi mgq ;

(M)
hLb m`n Kivi h_ KviY _vKe h BZvc~e MvnKi cwiwPwZi mc h Z_ ev `wjjvw`
msMn Kiv nqQ Zv chv bq ev mwVK bq; Ges
(N)

Kvb jb`b gvwbjvwis ev mvmx Kvh A_vqbi mv_ RwoZ Gic m`n nj|

(3) MvnKi cwiwPwZ Ges evsKi mv_ mK vcbi AwbwnZ Dk mK wbwZ nIqvi Rb cZK
evsK Zv`i mw mvc chv Z_ msMn Kie| evsKi mw mvc ejZ we`gvb wb`kbvi
AvjvK MvnKi SuzwK weePbvq wbq cqvRbxq Z_, Dcv I `wjjvw` msMnc~eK CDD mb Kiv nqQ
gg h_vh_ KZcK m KivK eySve|
(4) hw` MvnKi c Ab Kvb ew wnmve cwiPvjbv Ki m D ew h_vh_fve gZvcv wKbv
Zv wbwZ nq Zvi cwiwPwZi mwVK I c~Yv Z_ msMn KiZ ne |
(5) Uvw I ckv`vi gaZvKvix KZK MvnKi c cwiPvwjZ wnmvei Zv`i AvBbMZ Aevb
chvjvPbv I Zvi h_v_Zv wbicYc~eK mswk mKji cwiwPwZi mwVK I c~Yv Z_ msMn KiZ ne |
(6) hme `k gvwbjvwis I mvmx Kvh A_vqb cwZivai AvRvwZK gvb c~iY Kiwb ev Zvrchc~Y
NvUwZ iqQ (hgb t dvBbvwqvj AvKkb Uvdvmi cvewjK WKzgU High Risk and NonCooperative Jurisdictions wnme ZvwjKvfy `k) mme `ki Kvb ew ev mvi (AvBbMZ
cwZwbwa, Avw_K cwZvbmn h Kvb cwZvb) mv_ eemvwqK mK vcb I eRvq ivLv Ges jb`b
mv`bi AwaKZi mZKZvg~jK Enhanced Due Diligence mb KiZ ne|
(7) wnmvei cKZ myweavfvMx (Beneficial Owner) mbvKiYc~eK evsKi mw mvc wbfihvM
m~ nZ msMnxZ Z_i wfwZ wbv cwiwPwZ wbwZ KiZ ne t
(K)
hw` Kvb MvnK Ab Kvb ewi c wnmve cwiPvjbv Ki, m MvnK QvovI D ewi
cwiwPwZi mwVK I c~Yv Z_ msMn I msiY KiZ ne;
(L)
hw` Kvb ew Kvb MvnKK wbqY Ki m D ewi cwiwPwZi mwVK I c~Yv Z_
msMn I msiY KiZ ne; Ges
(M)
Kvvbxi wbqYKvix kqvi nvvi A_ev 20% ev Z`~a GKK kqvi nvviK
wnmvei cKZ myweavfvMx weePbvq Zvi/Zv`i cwiwPwZi mwVK I c~Yv Z_ msMn I msiY KiZ
ne|

3.3 Customer Due Diligence mv`b Kiv me bv nj evsKi KiYxq t

MvnKi AmnhvwMZvc~Y AvPiYi KviY A_ev MvnKi welq msMnxZ Z_/Dcv wbfihvM bv nj A_vr
MvnK cwiwPwZi mvlRbK Z_ cvw Ges Zv hvPvB mvc CDD mv`b Kiv me bv nj evsK wbic
eev MnY Kiet
(1) evsK Dic MvnKi wnmve Lyje bv A_ev cqvRb we`gvb wnmve e Ki w`e|
(2) we`gvb Gic wnmve e Kivi EaZb KZci Abygv`b MnY KiZ ne Ges wnmve e Kivi
c~e wnmve eKiYi KviY evLvc~eK MvnKK bvwUk c`vb KiZ ne |
(3) gZ Gic MvnKi welq m`nRbK jb`b wicvU `vwLj KiZ ne|
3.4 MvnKi wnmve cwiPvjbv msv wbqgvejx t
(1) cwZwU evsK MvnKi wnmve Lvjvi cwiwk K G mshy wnmve Lvjvi digi AvjvK cYxZ
wbR^ dig eenvi Kie| MvnK cwiwPwZ Ges Customer Due diligence (CDD) h_vh_fve mv`b
Kivi Rb D wnmve Lvjvi dig eenvic~eK cZK evsK Zvi MvnKi cwiwPwZi mwVK I c~Yv Z_
msMn Kie Ges MvnKi SuywK weePbvq 3.2 AbyQ` DwjwLZ CDD mb Kivi wbw` mgqi ga
msMnxZ Z_i mwVKZv hvPvBmn CDD mv`bc~eK Z_ I `wjjvw` msiY Kie| G evsK
KvbgB cwiwk K G mshy wnmve Lvjvi dig DwjwLZ Z_i Kg Z_ msMn Kie bv| Ze cZK
evsK h_vh_fve MvnKi cwiwPwZ I CDD mv`b Kivi Dk evsKi mw mvc D dig ewYZ
Z_i AwZwi Z_ msMn KiZ cvie| evsKi mw mvc Gi evLv 3.2 (3) AbyQ` c`vb Kiv
nqQ|
(2) GKB evsK GKB MvnKi GKvwaK wnmve cwiPvwjZ nj MvnK cwiwPwZi cybivew cwinvi I jb`b
gwbUwis Gi myweav_ evsK D MvnKi Rb GKwU Unique Customer Identification Code (UCIC)
eiv Kie| D UCIC MvnKK wPwZ KiZ mvnvh Kie, wbw` MvnKK evsK KZK Kx Kx mev c`vb
Kiv nQ Zv wPwZ (track) KiZ mvnvh Kie Ges c~Yvfve Avw_K jb`b gwbUwis-Gi mnvqZv
Kie|
(3) Walk-in Customer A_vr wnmveavix MvnK eZxZ Ab Kviv Abyiva wUwU, GgwUi gvag A_
ciYi A_ ciYKvix Ges cvcKi c~Yv I mwVK Z_, A_ ciYi Dk Ges A_i Drmi Z_
msiY KiZ ne| Walk-in Customer Gi Abyiva wWwW ev c-AWvi Bmyi I Ave`bKvix I
ewbwdwmqvixi c~Yv I mwVK Z_, A_ ciYi Dk Ges A_i Drmi Z_ msiY KiZ ne|
c~Yv (complete) ejZ ciYKvix/Ave`bKvix Ges cvcK/ewbwdwmqvixi cwiwPwZ hvPvBK
cqvRbxq mKj Z_i mwbekK eySve| D`vniY^ict ciYKvix/Ave`bKvix Ges
cvcK/ewbwdwmqvixi bvg I wevwiZ wVKvbv, evsK wnmve b^i (hw` _vK), cvmcvU/RvZxq
cwiPqc/Rb wbeb mb`/MnYhvM cwiwPwZg~jK Qwehy AvBwW KvW, dvb/gvevBj b^i BZvw`|
mwVK (Accurate) ejZ c~Yv Gic Z_K eySve hvi mwVKZv hvPvB Kiv nqQ|
Walk-in Customer Gi $ 5,000/-(cuvP nvRvi) ev Gi bxPi AsKi jb`bi
ciYKvix/Ave`bKvix I cvcK/ewbwdwmqvixi bvg I wVKvbv Ges ciYKvix/Ave`bKvixi Uwjdvb b^i
msMn KiZ ne|

(4) wnmveavix MvnKi Abyiva WvdU/c AWvi Bmyi I cvcKi c~Yv I mwVK Z_ (3 b^i
AbyQ` ewYZ msv Abyhvqx), A_ ciYi Dk Ges A_i Drmi Z_ msiY KiZ ne|
(5) AbjvBb Rgv ev Dvjbi MvnK eZxZ Ab RgvKvix ev DvjbKvixi mwVK I c~YvsM Z_ (3
b^i AbyQ` ewYZ msv Abyhvqx) msiY KiZ ne| GQvov AbjvBb Rgvi A_i Drmi Z_
msiY KiZ ne|
(6) mKj KcviU/ cvcvBUikxc cwZvbi GK j I Z`~a g~jgvbi Ges ew wnmvei cuvP j I
Z`~a g~jgvbi PK cwikvai evsjv`k evsKi wb`kbv Abyhvqx MvnK mwZc (Positive
Pay Instruction) AvewkKfve MnY Ges G msv iKW msiY KiZ ne|
(7) evsK MvnKi wnmvei jb`bi AbywgZ gvv (Transaction Profile) mK MvnKi NvlYv
wbavwiZ dig msMn Kie| MvnKi cKwZ, wnmvei A_i Drm I jb`bi aiY chvjvPbvc~eK
eemvwqK mK vcbi 6(Qq) gvmi ga MvnK KZK mvw`Z jb`b chvjvPbvc~eK hwK
weePbvq Zvi h_v_Zv wbicYKiZt cqvRbxq mskvabx mvc jb`bi AbywgZ gvv MvnKi wbKU nZ
cybivq MnYc~eK msiY Kie|
(8) cwZwU evsK wbw` mgq Ai Ai MvnKi cwiwPwZg~jK Z_ (KYC) nvjbvMv`KiYi
cqvRbxq eev MnY Kie| wb SuywK mb MvnKi Gic cwqv cwZ `yB eQi Ai Ai mb
KiZ ne| GQvov, DP SuywK mb MvnKi Gic cwqv GK eQi ci ci mb KiZ ne| Ze
MvnKi cwiwPwZg~jK Z_i h Kvb cwieZb AeMZ nIqvi mv_ mv_B Zv nvjbvMv` KiZ ne| GQvov
wbw` Kvb cqvRb Abyf~Z nj h Kvb mgqB MvnKi cwiwPwZg~jK Z_ nvjbvMv` KiZ ne|
nvjbvMv`KZ Z_i wfwZ cybivq Awej^ Gme wnmvei SuywK wbYq KiZ ne|
(9) Gwcj 30, 2002 ZvwiLi c~e Lvjv h mKj wnmvei KYC cwqv mb Kiv me nqwb m mKj
wnmve my (Dormant) wnme wPwZ ne| my wnme wPwZ G mKj wnmve aygv A_ Rgv Kiv hve
wK Dvjb Kiv hve bv| Ze MvnK KZK kvLv eevcKi wbKU wjwLZ Ave`bi cwZ evsK D
MvnKi KYC cwqv mb Kij MvnK wnmvewUZ ^vfvweK jb`b mv`b KiZ cvieb| K`xq
cwicvjb BDwbU Gic my wnmvei Z_ msiY Kie|
3.5 mkixi AbycwZ ev `~ieZx MvnKi ( Non face to face customer) KiYxq t
evsK Zv`i mkixi AbycwZ ev `~ieZx MvnKK mev c`vbi gvwbjvwis I mvmx Kvh A_vqbi SzuwK
wbicY Ges SzuwK wbimbi bxwZ I cwZ cYqb Kie Ges mgq mgq Zv chvjvPbv Kie|
mkixi AbycwZ ev `~ieZx MvnK ejZ H mKj MvnKK eySve hviv evsK kvLvq mkixi DcwZ bv nq
evsKi GRUi gvag ev wbRi ckv`vi cwZwbwai (AvBbRxex, GKvDUvU BZvw`) gvag wnmve Lyj _vK
Ges cwiPvjbv Ki _vK|
3.6 bZzb mev ev chyw MnYi KiYxq t
evsK KZK chyw wbfi bZzb Kvb mev ev cwZ (hgb, BUvibU evswKs, BjKUwbK KvW BZvw`) cPjb ev
cPwjZ mev ev cwZi Dbqbi mswk evsK D mev ev cwZi gvwbjvwis I mvmx Kvh A_vqb SzuwK
wPwZ Kie, Zvi gvv wbicY Kie Ges Gic mev ev cwZ nZ m SuywK gvKvejvi Rb h_vh_ eev MnY
Kie|

3.7 Politically Exposed Persons (PEPs) Gi KiYxq t

Politically Exposed Persons (PEPs) Gi wnmve Lvjv I wnmve cwiPvjbvi G mvKyjvii 3.2 b^i

AbyQ` ewYZ wb`kbv AbymiYi cvkvcvwk wbgi wb`kbvmg~n AbymiY KiZ ne t

K) evsKK Zv`i MvnK ev wnmvei cKZ myweavfvMx PEPs wKbv Zv wbaviY Kivi Rb SuywK eevcbv
cwZ MnY KiZ ne;
L) evsKi Dchy EaZb KZci Abygv`b mvc Zv`i mv_ eemvwqK mK vcb KiZ ne;
M) Kvb PEP Gi wnmvei A_ ev m`i Drm Rvbvi Rb h_vchy eev MnY KiZ ne;
N) Zv`i wnmvei jb`b wbqwgZfve gwbUi KiZ ne; Ges
O) Foreign Exchange Regulation Act, 1947 I Gi AvIZvq evsjv`k evsK KZK RvixKZ
Awbevmx`i wnmve Lvjv msv hveZxq wewaweavb h_vixwZ cwicvjb KiZ ne|
Politically Exposed Persons (PEPs) ejZ individuals who are or have been entrusted with
prominent public functions by a foreign country, for example Heads of State or of government,
senior politicians, senior government, judicial or military officials, senior executives of state
owned corporations, important political party officials K eySve|
PEPs Gi cwievii m`m I Zv`i mv_ wbweofve mwKZ ewi (close associates) I Dciv

wb`kbvmg~n chvR ne|

G AbyQ` DwjwLZ PEPs wnme Kvb gag ev Aab (Middle ranking or more junior individuals)
chvqi ew weewPZ neb bv|
3.8 cfvekvjx ewi KiYxq t
evsKK Zv`i MvnK ev wnmvei cKZ myweavfvMx cfvekvjx Kvb ew wKbv Zv wbaviY KiZ ne| G aiYi
MvnKi mv_ evswKs mK SuywKc~Y cZxqgvb nj AbyQ` 3.7 Gi L nZ N wgK ewYZ wb`kbv cwicvjb
KiZ ne|
cfvekvjx ew ejZ individuals who are or have been entrusted domestically with prominent
public functions, for example Head of State or of government, senior politicians, senior
government, judicial or military officials, senior executives of state owned corporations,
important political party officials K eySve|

cfvekvjx Kvb ewi chvR wb`kbv Zv`i cwievii m`m I Zv`i mv_ wbweofve mwKZ ewi
(close associates) I chvR ne|
G AbyQ` DwjwLZ cfvekvjx ew wnme Kvb gag ev Aab (Middle ranking or more junior
individuals) chvqi ew weewPZ neb bv|
3.9 AvRvwZK msvi cavb ev DP chvqi KgKZvi KiYxq t
evsKK Zv`i MvnK ev wnmvei cKZ myweavfvMx Kvb AvRvwZK msvi cavb ev DP chvqi KgKZv wKbv
Zv wbaviY KiZ ne| GaiYi MvnKi mv_ evswKs mK SuywKc~Y cZxqgvb nj AbyQ` 3.7 Gi L nZ N
Ges chvR O wgK ewYZ wb`kbv cwicvjb KiZ ne|

AvRvwZK msvi cavb ev DP chvqi KgKZv ejZ persons who are or have been entrusted with a
prominent function by an international organization refers to members of senior management,
i.e. directors, deputy directors and members of the board or equivalent functions K eySve|

AvRvwZK msvi cavb ev DP chvqi KgKZvi chvR wb`kbv Zv`i cwievii m`m I Zv`i mv_
wbweofve mwKZ ewi (close associates) I chvR ne|
G AbyQ` DwjwLZ AvRvwZK msvi cavb ev DP chvqi KgKZv wnme Kvb gag ev Aab (Middle
ranking or more junior individuals) chvqi ew weewPZ neb bv|
3.10 KimcU evswKs (Correspondent Banking) Gi KiYxq t
evswKs eev hvZ gvwbjvwis ev mvmx Kvh A_vqb eeZ nZ bv cvi mRb Avt`kxq KimcU
evswKs (Cross Border Correspondent Banking) mK vcb Ges Zv AevnZ ivLvi wbgi
wb`kbvmg~n AvewkKfve cwicvjbxq ne t
(1) KimcU evswKs mev c`vbi c~e cwiwk L gvZveK Z_vw` msMnc~eK KimcU ev
imcU evsKi eemvqi cKwZ mK wbwZ nq EaZb eevcbv KZci Abygv`b MnY KiZ
ne|
(2) KimcU ev imcU evsKwU mswk wbqYKvix KZc KZK KvhKifve Z`viK Kiv nq, G
evcvi mw mvcB Kejgv Kvb we`kx evsKi mv_ KimcU evswKs mK vcb Kiv hve ev
eRvq ivLv hve|
(3) Kvb Shell Bank Gi mv_ KimcU evswKs mK vcb Kiv hve bv ev eRvq ivLv hve bv |
(4) h me KimcU ev imcU evsK Shell Bank Gi mv_ KimcU evswKs mK vcb Ki ev
wnmve msiY Ki ev mev c`vb Ki Zv`i mv_ KimcU evswKs mK vcb Kiv hve bv ev eRvq
ivLv hve bv| Shell Bank ejZ G mvKyjvii 2(2) AbyQ` msvwqZ evsKK eySve|
(5) hme `k gvwbjvwis I mvmx Kvh A_vqb cwZivai AvRvwZK gvb c~iY Kiwb ev Zvrchc~Y
NvUwZ iqQ (hgb t dvBbvwqvj AvKkb Uvdvmi cvewjK WKzgU High Risk and NonCooperative Jurisdictions wnme ZvwjKvfy `k) mme `ki evsKi mv_ KimcU evswKs
mK vcb ev eRvq ivLvi evcvi wekl mZKZv ev Enhanced Due Diligence Aej^b KiZ ne|
Gme evsKi Beneficial Ownership Ges gvwbjvwis I mvmx Kvh A_vqb cwZiva Zv`i bxwZ I
cwZ mK wevwiZ Z_ msMn KiZ ne |
(6) h mKj imcU evsK Zv`i MvnK`iK eemv msv jb`b mivmwi mv`b Kivi myhvM c`vb
Ki _vK (A_vr Payable through accounts) Zv`i wbv eev MnY KiZ ne t
(K) imcU evsK KZK h_vh_fve MvnKi CDD mv`b KiZ ne;
(L) KimcU evsKi Abyivai cwZ imcU evsK KZK mswk MvnKi CDD welqK Z_vw`
mieivn Kiv me ne G welqwU wbwZ nZ ne|
GLvb Payable through accounts ejZ Correspondent accounts that are used directly by
third parties to transact business on their own behalf eySve|

(7) G mvKzjvi ewYZ wb`kbvejx we`gvb mKj KimcU evswKs mKi I chvR ne Ges GB
wb`kbvi AvjvK we`gvb KimcU evswKs mKmg~n cybtg~jvqb KiZ ne|
Avt`kxq KimcU evswKs ejZ h Kvb GK evsK (KimcU) KZK Ab evsKK (imcU)
evswKs mev c`vbK eySve| Gic evswKs mev ejZ wWU, wWcvwRU, KvjKkb, wKqvwis, cgU, Kvk
gvbRgU, AvRvwZK Aqvi Uvdvi, wWgv WvdU& Gi Rb Wwqs AvigU ev Abyic Ab Kvb mev
c`vbK eySve|
4| we`k AewZ evsK kvLv I mvewmwWqvix cwZvb Gi KiYxq t
(1) cwZwU evsK we`k AewZ Zv`i kvLv Ges mvewmwWqvix cwZvbi gvwbjvwis cwZiva AvBb,
2012, mvm weivax AvBb, 2009 I D AvBbi AvIZvq RvixKZ wewagvjvq ewYZ weavbvejx Ges
weGdAvBBD KZK mgq mgq RvixKZ wb`kbvejxi h_vh_ cwicvjb wbwZ Kie|
(2) we`k AewZ kvLv ev mvewmwWqvix cwZvb hw` Kvb KviY gvwbjvwis cwZiva AvBb, 2012,
mvm weivax AvBb, 2009 I D AvBbi AvIZvq RvixKZ wewagvjvq ewYZ weavbvejx Ges weGdAvBBD
KZK mgq mgq RvixKZ wb`kbvejx h_vh_fve cwicvjb Amg_ nq Ze Zvi KviY Awej^
weGdAvBBDK AewnZ KiZ ne|
5| jb`b gwbUwis t
(1) cwZwU evsK MvnKi jb`b wbqwgZ gwbUi Kie|
(2) mKj RwUj, ^vfvweKi Zzjbvq Amvgmc~Y Ges AvcvZ`wZ h mKj jb`bi Kvb Avw_K ev
`wMvn ea Dk bB Gic jb`b AwaKZi iZ mnKvi gwbUi KiZ ne |
(3) wbw` mgq Ai Ai wnmvei SzuwK chvjvPbv Kivi Rb GKwU KvhKi eev MnY KiZ ne Ges m
Abyhvqx DP SuywKmb wnme kYxKZ wnmvei wekl mZKZv ev Enhanced Due Diligence
(EDD) Aej^b KiZ ne|
6| bM` jb`b wicvU (Cash Transaction Report-CTR) t
(1) cwZwU evsK kvLvmg~ni c~eeZx gvmi `bw`b jb`b cixv Ki Kvb GKwU wnmve Kvb GKwU wbw`
w`b GK ev GKvwaK jb`bi gvag Rgv ev Dvjbi (AbjvBb, GwUGgmn h Kvb aiYi bM` Rgv ev
Dvjb) cwigvY hw` 10(`k) j UvKv ev Z`~a A_i ev mgg~ji e`wkK gy`vq nq Ze Zv ^ ^ K`xq
cwicvjb BDwbU Gi gvag gvwmK wfwZ weGdAvBBD eivei bM` jb`b wicvU wnme `vwLj Kie|
(2) evsKi Kvb kvLvq Gic Kvb jb`b msNwUZ bv nj kvLv nZ bM` jb`b wicvU hvM Kvb
jb`b bB gg K`xq cwicvjb BDwbUK AewnZ KiZ ne| K`xq cwicvjb BDwbU GmKj kvLvi
GKwU ZvwjKv weGdAvBBD G bM` jb`b wicvU `vwLji mgq Zvi mv_ mshy Kie|
(3) kvLv nZ bM` jb`b wicvU `vwLj Kivi c~e jb`bmg~n chvjvPbv Ki Kvb m`nRbK jb`b
msNwUZ nqQ wKbv Zv wPwZ KiZ ne I m`nRbK jb`b cwijwZ nj c_Kfve m`nRbK
jb`b wicvU wnme K`xq cwicvjb BDwbU G `vwLj KiZ ne| m`nRbK jb`b cwijwZ bv nj
bM` jb`b wicvUi mv_ m`nRbK jb`b cvIqv hvqwb gg K`xq cwicvjb BDwbUK AewnZ
KiZ ne|
(4) cZK evsK kvLvi bM` jb`b wicvU gvwmK wfwZ mswk kvLvq msiY KiZ ne|

10

(5) K`xq cwicvjb BDwbU evsKi bM` jb`b wicvUhvM mKj jb`b chvjvPbv Ki Kvb
m`nRbK jb`b msNwUZ nqQ wKbv Zv wPwZ Kie I m`nRbK jb`b cwijwZ nj c_Kfve
m`nRbK jb`b wicvU wnme weGdAvBBD eivei `vwLj Kie| m`nRbK jb`b cwijwZ bv
nj m`nRbK jb`b cvIqv hvqwb gg cavb gvwbjvwis cwZiva cwicvjb KgKZv nZ cZqb c
MnYKiZt gvwmK bM` jb`b wicvUi mv_ mshy KiZ ne|
(6) cwZ gvmi bM` jb`b wicvU cieZx gvmi 21 ZvwiLi ga goAML web eenvi Ki goAML
Manual Gi wb`kbv gvZveK `vwLj Kivi cvkvcvwk MZ 16 deqvwi, 2006 ZvwiL RvwiKZ GGgGj
mvKzj
vi bs -10 Gi gvag mieivnKZ dig gvZveK mdU Kwc (CD/DVD) weGdAvBBD eivei `vwLj
KiZ ne|
(7) http://www.bb.org.bd/eservices.php IqewjsK nZ goAML mswk
cqvRbxq Document WvDbjvW Kiv hve |
(8) goAML web eenvi Ki bM` jb`b wicvU `vwLji kvLvIqvix jb`b msLvi GKwU
ZvwjKv wicvU Gi mv_ mshyw AvKvi `vwLj KiZ ne|
(9) miKvix wnmve (wewfb gYvjq, wefvMmn), miKvix gvwjKvbvaxb cwZvb, Avav miKvix ev ^vqkvwmZ
cwZvbi wnmve bM` Rgvi bM` jb`b wicvU `vwLj Kivi cqvRb ne bv, Ze bM` Dvjbi
h_vwbqg bM` jb`b wicvU `vwLj KiZ ne|
(10) AvtevsK Ges AvtkvLv bM` jb`bi bM` jb`b wicvU `vwLj Kivi cqvRb ne
bv|
(11) mswk gvm wicvUhvM bM` jb`b msNwUZ bv nj bM` jb`b wicvU cvIqv hvqwb gg
cZqbc goAML Web Gi Message Board Gi gvag weGdAvBBDK AewnZ KiZ ne|
(12) evsKmg~n bM` jb`b wicvU Gi Z_vw` weGdAvBBD G `vwLji gvm nZ Kgc 5(cuvP) eQi
msiY Kie|
7| m`nRbK jb`b wicvU (Suspicious Transaction Report-STR) t
(1) gvwbjvwis cwZiva AvBb, 2012 Gi 25(1)(N) aviv Ges mvm weivax AvBb, 2009 Gi 16(1)
avivq ewYZ wb`k evevqbi wbwg cwZwU evsKi mKj KgKZv `bw`b jb`b ev Kvh g m`nRbK
jb`b mbvKiY mPZb I mZK _vKeb|
(2) m`nRbK jb`b mbvKiY evsK KgKZvMY gvwbjvwis cwZiva AvBb, 2012 Gi 2(h) aviv Ges
mvm weivax AvBb, 2009 Gi 2(16) avivq ewYZ msv weePbv Kieb|
(3) evsK kvLvi Kvb KgKZv KZK m`nRbK jb`b ev Kvhg wPwZ nIqvi mv_ mv_ Zv kvLv
gvwbjvwis cwZiva cwicvjb KgKZvK wjwLZfve AewnZ KiZ ne| kvLv gvwbjvwis cwZiva
cwicvjb KgKZv wicvUKZ jb`b ev Kvhg Awej^ h_vh_fve weklY Kieb Ges cheYmg~n
wek`fve wjwce Ki msiY Kieb| ewYZ jb`b ev KvhgwU m`nRbK wnme weewPZ nj Zv
Awej^ cqvRbxq `wjjvw`mn K`xq cwicvjb BDwbU ciY KiZ ne|
(4) K`xq cwicvjb BDwbU kvLv nZ cv m`nRbK jb`b ev KvhgwU h_vh_fve I cqvRbxq Z_Dcv ev `wjjvw` mwbewkZ Ki wicvU Kiv nqQ wKbv Zv chvjvPbv Ki Awej^ goAML web
eenvi Ki Ges goAML Manual Gi wb`kbv Abymvi weGdAvBBD eivei m`nRbK jb`b wicvU

11

`vwLji cvkvcvwk cwiwk- M Z mshy dig eenvi Ki cqvRbxq Z_-Dcv ev `wjjvw`mn

weGdAvBBD eivei m`nRbK jb`b wicvU `vwLj Kie|
(5) Aqvi Uvdvii K`xq cwicvjb BDwbU kvLv nZ cv m`nRbK jb`b h_vh_fve
cqvRbxq Z_-Dcv ev `wjjvw` mwbewkZ Ki wicvU Kiv nqQ wKbv Zv chvjvPbv Ki Awej^
goAML web eenvi Ki Ges goAML Manual Gi wb`kbv Abymvi weGdAvBBD eivei m`nRbK
jb`b wicvU `vwLji cvkvcvwk cwiwk-N Z mshy dig eenvi Ki cqvRbxq Z_-Dcv ev
`wjjvw` mwbek Ki weGdAvBBD eivei m`nRbK jb`b wicvU `vwLj Kie|
(6) gvevBj dvBbvwqvj mvwfm ev GRU evswKs Kvhg wbqvwRZ evsK Zvi Kvk cqU ev GRU`i
ga m`nRbK jb`b ev Kvhgi welq AfixY wicvwUs eev Pvjy Kie| Kvk cqU ev
GRU`i wbKU Kvb m`nRbK jb`b ev Kvhg wPwZ nj mswk Kvk cqU ev GRU KZK
GZ`&mshy QK (cwiwk N) evsKi K`xq cwicvjb BDwbU eivei m`nRbK jb`b wicvU `vwLj
KiZ ne| K`xq cwicvjb BDwbU cv m`nRbK jb`b wicvU h_vh_fve cqvRbxq Z_-Dcv ev
`wjjvw` mwbewkZ Ki `vwLj Kiv nqQ wKbv Zv chvjvPbv Ki Awej^ goAML web eenvi Ki Ges
goAML Manual Gi wb`kbv Abymvi weGdAvBBD eivei m`nRbK jb`b wicvU `vwLji cvkvcvwk
cwiwk-N Z mshy dig eenvi Ki cqvRbxq Z_-Dcv ev `wjjvw` mwbek Ki weGdAvBBD eivei
m`nRbK jb`b wicvU `vwLj Kie|
evsKi Kvb mvewmwWqvixi gvag gvevBj dvBbvwqvj mvwfm ev GRU evswKs Kvhg cwiPvwjZ
nj Ges D mvewmwWqvix gvwbjvwis cwZiva AvBb, 2012 ev mvm weivax AvBb, 2009 Gi
AvIZvq wicvU c`vbKvix msv wnme Afy nj mswk mvewmwWqvix KZK mivmwi m`nRbK
jb`b wicvU weGdAvBBD eivei `vwLj KiZ ne|
(7) m`nRbK jb`b ev Kvhg mbvKiY ev wicvU Kivi mv_ mswk KgKZvMY welqwUi MvcbxqZv
wbwZ Kieb|
(8) kvLv chvq Kvb jb`b ev Kvhg m`nRbK wnme wPwZ bv njI K`xq cwicvjb BDwbU KZK
Kvb jb`b ev Kvhg m`nRbK cZxqgvb nj AbyQ` 7(4) gvZveK m`nRbK jb`b wicvU
weGdAvBBD eivei `vwLj KiZ ne|
(9) evsKmg~n m`nRbK jb`b wicvU Gi Z_vw` weGdAvBBD KZK cieZx wb`kbv bv `qv ch
msiY Kie|
8| Self Assessment Ges Independent Testing Procedures t
gvwbjvwis I mvmx Kvh A_vqb cwZiva GKwU KvhKix eev cwZvi j evsKi AfixY wbixv
wefvMi gvag kvLvmg~n nZ cv Self Assessment Report chvjvPbv Ges Independent Testing
Procedures h_vh_fve mb Kivi Rb D wefvMwUZ chv jvKej wbwZ KiZ ne hv`i gvwbjvwis
I mvm A_vqb cwZiva we`gvb AvBb, wewagvjv, weGdAvBBD Gi wb`kbv Ges G welqK evsKi wbR^
bxwZgvjv mK mgK vb iqQ|
8.1 kvLvmg~ni KiYxq t
(1) cwZwU kvLv KZK Self Assessment Gi Rb wbavwiZ PKwj (cwiwk O) Gi Dci wfw Ki
lvbvwmK wfwZ wbR`i kvLvi g~jvqb KiZ ne;

12

(2) AvjvP g~jvqb cwZe`b P~ov Kivi c~e kvLv eevcKi mfvcwZZ kvLvi mswk KgKZv`i wbq
mfv KiZ ne| D mfvq Lmov kvLv g~jvqb cwZe`bi Dci AvjvPbv KiZ ne, wPwZ mgmv kvLv
chvq mgvavb Kiv meci nj kvLv KZK Awej^ eev MnYc~eK P~ov KiZ ne Ges P~ov cwZe`b
mycvwik wjwce KiZ ne| cieZx gvwbjvwis I mvmx Kvh A_vqb cwZiva welqK gvwmK
mfvjvZ GZ`mswk welqi AMMwZ wbq AvjvPbv KiZ ne; Ges
(3) cwZwU lvbvwmKKvj mgv nIqvi cieZx gvmi 15 ZvwiLi ga kvLv g~jvqb cwZe`b, G welq kvLv
KZK MnxZ/MnxZe Kvhg I mycvwikmn cavb Kvhvjqi AfixY wbixv wefvM I K`xq cwicvjb
BDwbU ciY KiZ ne |
8.2 AfixY wbixv wefvMi KiYxq t
(1) AfixY wbixv wefvM KZK kvLvmg~n nZ cv kvLv g~jvqb cwZe`b hvPvB Ki Kvb kvLvq Kvb
SuywKc~Y welq cwijwZ nj ZvrwYKfve kvLvwU cwi`kbi eev KiZ ne Ges welqwU K`xq
cwicvjb BDwbUK AewnZ KiZ ne|
(2) AfixY wbixv wefvM Zv`i wbR^ Ges wbqwgZ evwlK cwi`kb/wbixv Kgm~Px Abymvi wewfb kvLvi
cwi`kb/ wbixv Kvhg mv`bKvj Independent Testing Procedures Gi wbavwiZ PKwj
(cwiwk P) Gi wfwZ mswk kvLvi gvwbjvwis I mvmx Kvh A_vqb cwZiva Kvhg mswk welqvw`
cixv Kie I kvLvi iwUs wbYqKiZt mswk kvLvi cwZe`b cYqb Kie| GQvov, wbqwgZ evwlK
cwi`kb/wbixv Kgm~Pxi AwZwi Kgc 10% kvLvq c_K cwi`kb Kgm~Pxi AvIZvq Independent
Testing Procedures Gi wbavwiZ PKwj (cwiwk Q) Gi wfwZ mswk kvLvi gvwbjvwis I mvmx
Kvh A_vqb cwZiva Kvhg msv welqvw` cixv Kie I kvLvi iwUs wbYqKiZt cwZe`b cYqb
Kie|
(3) AfixY wbixv wefvM cwi`wkZ/wbixwZ kvLvmg~ni iwUs m^wjZ cwZe`bi Kwc evsKi K`xq
cwicvjb BDwbU eivei ciY Kie|
(4) gvevBj dvBbvwqvj mvwfm I GRU evswKs Kvhg wbqvwRZ evsKmg~ni AfixY wbixv
wefvM Zv`i Kvk cqU/GRU`i gvwbjvwis I mvmx Kvh A_vqb cwZiva Kvhg mswk welqvw`i
cwicvjb Aev hvPvBqi wbwg evwlK wfwZ b~bZg 10% Kvk cqU/GRUi Dci cwi`kb/wbixv
Kvhg cwiPvjbv Kie Ges cwZe`b K`xq cwicvjb BDwbU ciY Kie|
8.3| K`xq cwicvjb BDwbUi KiYxq t
(1) K`xq cwicvjb BDwbU kvLvmg~n nZ cv kvLv g~jvqb cwZe`b Ges evsKi AfixY wbixv
wefvM KZK `vwLjKZ cwi`kb/wbixv cwZe`bi Dci wfw Ki weeP lvbvwmK cwi`wkZ kvLvmg~ni
PKwj wfwK g~jvqb cwZe`b cZ Kie| D cwZe`b Abvb welqi mv_ AvewkKfve wbgi
welqmg~n Afy _vKe t
(K) gvU kvLvi msLv Ges kvLv nZ cv gvU mjd AvmmgU wicvUi msLv;
(L) wicvUKvj AfixY wbixv wefvM KZK cwi`wkZ/wbixwZ kvLvi msLv Ges kvLvmg~ni Aev
(kvLvIqvix cv b^i);
(M) cv mjd AvmmgU wicvU AwaK msLK kvLvq GKB aiYi h mKj Awbqgi welq DjL
iqQ Zv DjLc~eK H mKj Awbqg iva K`xq cwicvjb BDwbU KZK MnxZ eev;

13

(N) AfixY wbixv wefvM KZK `vwLjKZ cwZe`b DwjwLZ mvaviY I wekl Awbqgmg~n Ges H
mKj Awbqg iva K`xq cwicvjb BDwbU KZK MnxZ eev; Ges
(O) cv wicvU AmvlRbK I cvwK wnme g~jvwqZ kvLvmg~ni cwicvjb wbwZ KiZt
iwUs DbqbK MnxZ eev|
AvjvP cwZe`bwU 1.3(4) G DwjwLZ cwZe`b Afz ne|
(2) kvLvmg~n nZ cv kvLv g~jvqb cwZe`b hvPvB Ki Kvb kvLvq Kvb SuywKc~Y welq cwijwZ nj
ZvrwYKfve kvLvwU AfixY wbixv wefvMi gvag cwi`kbi eev KiZ ne Ges welqwU Dchy
KZci bRi AvbZ ne|
(3) gvevBj dvBbvwqvj mvwfm Ges GRU evswKs Kvhg wbqvwRZ evsKmg~ni K`xq
cwicvjb BDwbU AfixY wbixv wefvM nZ cv cwZe`bmg~n chvjvPbvc~eK Zv`i cheY I
mycvwikmn cwZ eQii Rvbyqvwi gvm c~eeZx eQii wbixvq cv Awbqgi weeiY m^wjZ GKwU mvimsc evsKi cavb wbevnx eivei `vwLj Kie| cavb wbevnxi gZvgZmn Zv evsKi cwiPvjbv cl` ev
mevP eevcbv KwgwUi mfvq Dcvcb KiZ ne| cavb wbevnx I cwiPvjbv cl` ev mevP eevcbv
KwgwUi gZvgZ I MnxZ eev m^wjZ GKwU evwlK cwZe`b deqvwi gvmi ga weGdAvBBD eivei
`vwLj KiZ ne|
9| Aqvi Uvdvi (Wire transfer) t
Aqvi Uvdvi (Wire transfer) ejZ Ggb Avw_K jb`bK eySve hvZ Kvb Ave`bKvix ew ev
cwZvbi Abyiva Kvb evsK BjwbK gvag eenvi Ki Aci Kvb evsK kvLvi mnvqZvq ewbwdwkqvix
ew ev cwZvbK A_ c`vb Ki|
9.1 Aqvi Uvdvi mwKZ Abvb msv
(1) Avt`kxq Aqvi Uvdvi (Cross-border wire transfer) ejZ Gic Avw_K jb`bK eySve
h Ave`bKvix Ges ewbwdwkqvix wfb wfb `k Aevb Ki| ZvQvov cii mKhy GKvwaK
Uvdvii b~bc GKwU jb`b `ki evBi mvw`Z nj ZvI Avt`kxq Aqvi Uvdvi gg
MY ne|
(2) AfixY Aqvi Uvdvi (Domestic wire transfer) ejZ Gic jb`bK eySve h
Ave`bKvix I ewbwdwkqvix GKB `k Aevb Ki| G cii mKhy GKvwaK Uvdvi eeZ
cwqv Ab Kvb `k mb njI Zv AfixY Aqvi Uvdvi gg MY ne|
(3) Ave`bKvix (Applicant/originator) ejZ Ggb Kvb ew ev cwZvbK (wnmveavix wKsev
wnmveavix bb) eySve hvi Abyivai m~ mswk evsK ewYZ Aqvi Uvdvi Kvh mv`b Ki|
(4) ewbwdwkqvix (Beneficiary) ejZ Ggb Kvb ew ev cwZvbK (wnmveavix wKsev wnmveavix bb)
eySve hvi AbyKj A_ ciY Kiv nq|
(5) c~Yv (Complete) ejZ Ave`bKvix ev ewbwdwkqvixi cwiwPwZ hvPvBK cqvRbxq mKj Z_i
mwbekK eySve| D`vniY^ict Ave`bKvix/ewbwdwkqvixi bvg I wevwiZ wVKvbv, evsK wnmve b^i (hw`
_vK) RvZxq cwiPqc/wbeb c/MnYhvM cwiwPwZg~jK Qwehy AvBwW KvW, dvb/gvevBj b^i BZvw`|

14

(6) mwVK (Accurate) ejZ Dcii (5) `dvq ewYZ Gic Z_K eySve hvi mwVKZv hvPvB Kiv
nqQ|
(7) A_en (Meaningful) ejZ Dcii (5) `dvq ewYZ Gic Z_K eySve hv evnZ ev AvcvZt
weePbvq h_vh_ gg cZxqgvb nIqvi hywmZ KviY iqQ|
9.2 mKj aiYi Aqvi Uvdvii wbv Z_vejx MnY wbwZ KiZ ne t
(1) Avt`kxq Aqvi Uvdvi t
(K) mvaviY ev wekl AbygwZi AvIZvq Ab~b 1,000(GK nvRvi) ev Z`~a cwigvY gvwKb Wjvi ev mgZzj
cwigvY e`wkK gy`vq Avt`kxq Aqvi Uvdvii Ave`bKvixi c~Yv I mwVK Z_ msMn, msiY
Ges BUviwgwWqvix/ewbwdwkqvix evsK ciY KiZ ne| GQvovI ewYZ mxgvi bxPi jb`bmg~ni
Ave`bKvixi c~Yv I A_en Z_ msiY KiZ ne|
(L) Avt`kxq Aqvi Uvdvii A_ ewbwdwkqvixK c`vbi ewbwdwkqvix mwKZ c~Yv I A_en
Z_ msiY KiZ ne|
(M) h mKj GKK Ave`bKvix KZK GKvwaK Avt`kxq Aqvi Uvdvii gvag GKvwaK
ewbwdwmqvixi AbyKj evP dvBj QvKvi (Bundled in a batch file) ciY Kiv nq m mKj
evP dvBj Ave`bKvix I ewbwdwmqvixi mwVK I c~Yv Z_ Afy KiZ ne| GQvov, Ave`bKvixi
wnmve b^iI G evsK Afy Kie|
(2) AfixY Iqvi Uvdvi t
(K) Ab~b 25,000/- (cuwPk nvRvi ) UvKv AfixY Aqvi Uvdvii Ave`bKvixi c~Yv I mwVK
Z_ msMn, msiY Ges BUviwgwWqvix/ewbwdwkqvix evsK/cwZvb ciY KiZ ne Ges ewYZ mxgvi
bxPi jb`bmg~ni Ave`bKvixi c~Yv I A_en Z_ msiY KiZ ne| GQvovI AfixY
Aqvi Uvdvii A_ ewbwdwkqvixK c`vbi ewbwdwkqvix mwKZ c~Yv I A_en Z_ msiY
KiZ ne|
(L) gvevBj dvBbvwqvj mvwfm c`vbKvix evsK Dciv wb`kbvi AwZwi cgU wmgm wWcvUgU,
evsjv`k evsK KZK mgq mgq mieivnKZ KYC Format eenvi Kie|
(M) WweU ev wWU KvW eenvi Ki Aqvi Uvdvii (cY I mev q eZxZ) cwikva msv
BUvKkb/evZvq Dcii 2(K) Gi Abyic Z_ msiY KiZ ne|
(N) miKvix/AvavmiKvix/^vqkvwmZ cwZvbi AbyKj Aqvi Uvdvii Dchy wb`kbvmg~ni
cwicvjb evaZvg~jK bq| GQvovI AvtevsK jb`b (A_vr hLvb Ave`bKvix I ewbwdwkqvix Dfq
cB Kvb evsK ev Avw_K cwZvb) Kvhgi Dcii 2(K) `dvq ewYZ wb`kbv cwicvjb
AevnwZhvM weewPZ ne|
9.3 AWvwis, BUviwgwWqvix I ewbwdwkqvix evsK-Gi KiYxq t
(1) AWvwis evsK t AWvwis evsKK Aqvi Uvdvi msv jb`bi Ave`bKvixi mwVK Ges c~Yv
Z_ wbwZ KiZ ne| GQvov AWvwis evsKK ewbwdwkqvixi A_en Z_ msMn KiZ ne| Gme Z_
b~bZg 05 (cvuP) eQi msiY KiZ ne|

15

(2) BUviwgwWqvix evsK t

(K) Avt`kxq Ges AfixY Dfq aiYi Aqvi Uvdvii AWvwis evsK I ewbwdwkqvwi evsKi
gvS Kvb evsK h Kvb aiYi BUviwgwWqvix wnme Kvh mv`bKvj D evsK KZK Ave`bKvix Ges
ewbwdwkqvix mwKZ Z_vw` msiY wbwZ KiZ ne| AWvwis evsK (chvR Ab Kvb
BUviwgwWqvix evsK) nZ cv Z_ BUviwgwWqvix evsK/ cwZvb KZK b~bZg 05 (cvuP) eQi msiY
KiZ ne|
(L) cwZwU BUviwgwWqvix evsK KZK Aqvi Uvdvi mv`bi Ave`bKvix ev ewbwdwkqvixi Z_i
Afve D Uvdvi mv`b ev wMZKiY ev iwnZKiY Ges cqvRbxq djvAvc Kvhgi Rb mswk
evsK GKwU SuywKwfwK bxwZgvjv I cwZ _vKZ ne|
(3) ewbwdwkqvix evsK t
(K) Aqvi Uvdvi msv jb`b Kvhg RwoZ ewbwdwkqvix evsKK Ave`bKvixi c~Yv Z_i Kvb
NvUwZ AvQ wK bv Zv hvPvB Kivi Rb GKwU SzuwKwfwK cwZi ceZY KiZ ne| Ave`bKvixi c~Yv
Z_i Kvb NvUwZ cwijwZ nj cqvRbeva mswk cmg~n cviwiK hvMvhvMi gvag ev Abvb
m~ eenvi Ki Z_ msMn Kie| cvcK/ ewbwdwkqvixK A_ cwikvai mgq ewbwdwkqvix evsKK
cvcK/ ewbwdwkqvixi c~Yv I mwVK Z_ msMn I mswk Z_ b~bZg 05 (cvuP) eQi msiY KiZ ne|
(L) cwZwU ewbwdwkqvix evsK Aqvi Uvdvi mv`bi Ave`bKvix ev ewbwdwkqvixi Z_i
Afve D Uvdvi mv`b ev wMZKiY ev iwnZKiY Ges cqvRbxq djvAvc Kvhgi Rb mswk
evsK GKwU SuywKwfwK bxwZgvjv I cwZ _vKZ ne|
9.4 Aqvi Uvdvi msv Abvb wb`kbv t
(1) gvevBj dvBbvwqvj mvwfm Kvhg wbqvwRZ evsKmg~n Zv`i GRU`i nvjbvMv` ZvwjKv
IqemvBU cKvk Kie|
(2) gvevBj dvBbvwqvj mvwfm Kvhg wbqvwRZ evsKmg~n gvevBj evswKs mev MnYKvixi m~Y
iwRkb cwqv mv`b I Abygv`bi ciB Kejgv jb`b mv`b KiZ cvie| Ze iwRkb
cwqv mv`bi ci cash in Kiv hve Ze Abygv`bi ciB Kejgv Cash out Kiv hve |
(3) $ 1,000/-(GK nvRvi) ev Gi bxPi AsKi jb`bi Ave`bKvix I ewbwdwkqvixi bvg I
wVKvbv Ges Ave`bKvixi Uwjdvb b^i msMn KiZ ne|
(4) GZ`&mswk Kvhg cwiPvjbvKvj mswk me cK AvewkKfve e`wkK gy`v jb`b msv
weavbvejx, cgU wmgm wWcvUgU KZK BmyKZ wb`kbv, G BDwbU KZK mgq mgq RvixKZ
wb`kbv Ges G mwKZ me AvBb ev wewaweavb h_vixwZ AbymiY KiZ ne|
10| mvmx Kvh A_vqb I evcK asmvZK Ai wevi A_vqb cwZiva (Prevention of Financing
of Terrorism and Financing of Proliferation of Weapons of Mass Destruction) t
(1) cZK evsK cwiPvjbv cl`i Abygv`bg mvmx Kvh A_vqb I evcK asmvZK A wevi
A_vqb msv jb`b cwZiva I mbv Kivi j GKwU cwZ cwZv Kie, evsKi KgKZv`i
`vq`vwqZ mwKZ wb`kbv Rvix Kie, mgq mgq Zv chvjvPbv Kie Ges weGdAvBBD KZK RvixKZ
wb`kbv h_vh_fve cwicvjb Kiv nQ wKbv Zv wbwZ Kie|

16

(2) mvmx Kvh A_vqb I evcK asmvZK A wevi A_vqb mwKZ msev` MYgvag cKvk nevi mv_
mv_ D KgKvi mv_ RwoZ Kvb ew ev mvi Kvb evsK wnmve cwiPvwjZ nq _vKj G welqK
wevwiZ Z_ mswk evsK KZK Awej^ weGdAvBBD eivei ciY KiZ ne|
(3) cwZwU evsK RvwZmsNi wbivcv cwil`i wewfb iRyjy kbi AvIZvq mvm, mvmx Kvh A_vqb I
evcK asmvZK A wevi A_vqb RwoZ m`n ZvwjKvfy Kvb ew ev mv Ges evsjv`k miKvi
KZK ZvwjKvfy Kvb ew ev wbwl NvwlZ mvi nvjbvMv` Z_ BjwbK cwZZ msiY Kie|
RvwZmsNi wbivcv cwil`i wewfb iRyjykbi AvIZvq ZvwjKvfy ew ev mv Ges evsjv`k miKvi
KZK ZvwjKvfy Kvb ew ev wbwl NvwlZ mvi msv G mvKzjvii 2(3) AbyQ` c`vb Kiv nqQ|
(4) cwZwU evsK RvwZmsNi wbivcv cwil`i Kvb iRyjykbi AvIZvq ev evsjv`k miKvi KZK
ZvwjKvfz ev wbwl NvwlZ Kvb ew ev mvi bvg A_ev cZ ev civfve Zv`i
wbqYvaxb/^v_mswk Kvb ew ev mvi bvg evsK wnmve iqQ wKbv ev Kvb jb`b msNwUZ nqQ
wKbv Zv wPwZ Kivi Rb wbqwgZ jb`b gwbUi Kie Ges cqvRb jb`b chvjvPbv Kie|
ZvwjKvfz ev wbwl NvwlZ Kvb ew ev mv A_ev cZ ev civfve Zv`i wbqYvaxb/^v_mswk
Kvb ew ev mvi Kvb evsK wnmve ev jb`b wPwZ nIqvi mv_ mv_ mswk evsK D wnmvei
jb`b ev jb`bwU wMZ Ki cieZx Kg w`emi ga G welqK wevwiZ Z_ weGdAvBBDK AewnZ
Kie|
(5) hw` Aqvi Uvdvi msv jb`bi Ave`bKvix wKsev ewbwdwkqvix RvwZmsNi wbivcv cwil`i
Kvb iRyjykbi AvIZvq ev evsjv`k miKvi KZK ZvwjKvfz ev wbwl NvwlZ Kvb ew ev mv nq Ze
Zv wPwZ nIqvi mv_ mv_ mswk evsK D jb`bwU wMZ Ki cieZx Kg w`emi ga G welqK
wevwiZ Z_ weGdAvBBDK AewnZ Kie|
(6) RvwZmsNi wbivcv cwil` KZK MnxZ iRyjykb 1373 (2001) Gi AvIZvq we`kx miKvi ev we`kx
GdAvBBD Gi Abyiva weGdAvBBD nZ cwiZ ev D iRyjykbi AvIZvq evsjv`k miKvi KZK
ZvwjKvfy ev wbwl NvwlZ Kvb ew ev mvi mv_ evsK wnmve ev Ab Kvb mK iqQ wKbv Zv
wPwZ Kivi Rb evsK wbqwgZ jb`b gwbUi Kie Ges cqvRb jb`b chvjvPbv Kie| ZvwjKvfz
ev wbwl NvwlZ Kvb ew ev mvi Kvb evsK wnmve wPwZ nIqvi mv_ mv_ mswk evsK D wnmvei
jb`b wMZ Ki cieZx Kg w`emi ga wevwiZ Z_ weGdAvBBDK AewnZ Kie|
(7) AvRvwZK evwYwRK jb`bi cZKwU evsK D jb`b mv`bi c~e jb`bi mv_
mwKZ cmg~n RvwZmsNi wbivcv cwil`i Kvb iRyjykbi AvIZvq ev evsjv`k miKvi KZK
ZvwjKvfz ev wbwl NvwlZ Kvb ew ev mv wKbv Zv wPwZ Kivi Rb jb`bwU chvjvPbv Kie|
ZvwjKvfz ev wbwl NvwlZ Kvb ew ev mvi mswk Zv wPwZ nIqvi mv_ mv_ mswk evsK D
jb`bwU wMZ Ki cieZx Kg w`emi ga wevwiZ Z_ weGdAvBBDK AewnZ Kie|
11| wbqvM I cwkY t
11.1 wbqvM t
gvwbjvwis, mvmx Kvh A_vqb I evcK asmvZK Ai wevi A_vqbi SuywK wbimbi j evsK Zv`i
wewfb wbqvM cwqvq h_vh_ hvPvB cwqv (Screening Mechanism) AbymiY Kie hvZ Kvb ii
KgKZvi gvag evsK G aiYi SuzwKi myLxb bv nq |

17

11.2 cwkY- evsK KgKZv t

(1) gvwbjvwis, mvmx Kvh A_vqb I evcK asmvZK Ai wevi A_vqb cwZiva Kvhgi h_vh_
cwicvjb wbwZ Kivi j cZK evsK Zv`i mKj KgKZv`i gvwbjvwis, mvmx Kvh A_vqb I
evcK asmvZK Ai wevi A_vqb cwZiva mswk welq Dchy cwkY c`vbi eev Kie ;
(2) gvevBj dvBbvwqvj mvwfm I GRU evswKs Kvhg wbqvwRZ evsKmg~n Zv`i Kvk
cqU/GRU`i (A_ev Ab h Kvb bvgB AwfwnZ nvK bv Kb) Rb wbqwgZ gvwbjvwis, mvmx Kvh
A_vqb I evcK asmvZK Ai wevi A_vqb cwZiva mswk welq Dchy cwkY c`vbi eev
Kie;
(3) evsK cwkY msv Z_ I `wjjvw` msiY Kie|
11.3 wkY- evsK MvnK t
(1) evsK Zv`i MvnK`i wnmve Lvjvi cvvj hvwPZ wewfb Z_ mwbek I `wjjvw` `vwLji hwKZvi
welq MvnKK AewnZ Kie Ges gvwbjvwis, mvmx Kvh A_vqb I evcK asmvZK Ai wevi A_vqb
cwZiva welq MvnK`i mPZbZv ewi j mgq mgq wjdjU weZiY Ges cwZwU evsK kvLvi `kgvb
vb G welqK cvvi vcbi eev Kie|
(2) gvevBj dvBbvwqvj mvwfm I GRU evswKs Kvhg wbqvwRZ evsKmg~n gvwbjvwis, mvmx Kvh
A_vqb I evcK asmvZK Ai wevi A_vqb cwZiva welq MvnK`i mPZbZv ewi j mgq mgq
wjdjU weZiY Ges cwZwU Kvk cqU/GRU Awdmi `kgvb vb cvvi vcbi eev Kie|
(3) GQvov Corporate Social Responsibility (CSR) Gi AvIZvq gvwbjvwis I mvmx Kvh A_vqb
cwZiva wewfb MYgvagmn Abvb gvag G welqK mPZbZvg~jK wevcb, Z_wP BZvw` cPvii
eev Kie|
12| iKW Ges cqvRbxq Z_/`wjjvw` msiY t
(1) MvnKi AfixY I e`wkK jb`b msv mKj cqvRbxq Z_ ev `wjjvw` wnmve e nIqvi
ZvwiL nZ Ab~b 5(cuvP) ermi ch msiY KiZ ne;
(2) MvnKi KYC mn CDD cwqv mv`bKvj msMnxZ mKj Z_ I `wjjvw`, wnmve msv `wjjvw`,
eemvwqK c hvMvhvM Ges Kvb MvnKi welq Kvb cwZe`b cYxZ nj G mKj Z_vw`/`wjjvw`
MvnKi wnmve e nIqvi ZvwiL nZ Ab~b 5 (cuvP) ermi ch msiY KiZ ne|
(3) Walk-in Customer KZK jb`b msNwUZ nIqvi ZvwiL nZ Ab~b 5 (cuvP) ermi ch jb`b
msv mKj cqvRbxq Z_ ev `wjjvw` msiY KiZ ne|
(4) msiwZ Z_vw` Aciva Kvhgi wePvwiK cwqvq `vwjwjK cgvY wnme Dcvcb Kivi h_
nZ ne|
(5) evsK MvnKi KYC mn CDD cwqv mv`bKvj MnxZ mKj Z_ I `wjjvw` Ges jb`b msv
Z_ I `wjjvw` weGdAvBBD Gi Pvwn`v ev wb`kbv gvZveK mieivn Kie|

18

13| Zdwmjx evsKmg~ni Rb BZvc~e RvixKZ wbv mvKzjvi/mvKzjvi jUvimg~ni wb`kbv ejer _vKe|
mvKzjvi/ mvKyjvi jUvi bs
GGgGj mvKzjvi bs- 10 Gi aygv
Cash Transaction Report Form
GGgGj mvKzjvi bs-22

Rvixi ZvwiL
16 deqvwi, 2006

welq
bM` jb`b wicvU `vwLjKiY cm|

21 Gwcj, 2009

mvm weivax AvBb, 2009 Rvix

cm|
gvwbjvwis cwZiva AvBb, 2012 I
mvm weivax (mskvab) AvBb, 2012
Rvix cm|
mvm weivax (mskvab)AvBb, 2013
Rvix cm|
weGdAvBBD bvgKiY cm|

weGdAvBBD mvKzjvi bs-02

15 gvP, 2012

weGdAvBBD mvKzjvi bs-07

14 RyjvB, 2013

weGdAvBBD mvKyjvi jUvi-01

30 Rvbyqvwi, 2012

14| AbyQ` 13 G DwjwLZ mvKzjvi I mvKzjvi jUvi eZxZ G gvvi mvKyjvi Rvixi c~e Zdwmjx
evsKmg~ni Rb gvwbjvwis cwZiva wefvM ev weGdAvBBD KZK RvixKZ Ab mKj mvKzjvi I mvKzjvi
jUvii wb`kbv G gvvi mvKzjvii wb`kbv viv cwZvwcZ gg weewPZ ne|
G mvKzjvii wb`kbvmg~n Awej^ KvhKi ne|
Avcbv`i wek,
mshvRbx t gvU 38 cv|
(gvt bvwmivgvb)
gnveevcK
dvbt 9530118
ZvwiL t DwjwLZ

cwZwjwc bs-weGdAvBBD(cwjwm)-3/2014- 762

AeMwZ I cqvRbxq eev MnYi Rb cwZwjwc ciY Kiv njv t
1. mKj wefvMxq cavb, evsjv`k evsK, cavb Kvhvjq, XvKv|
2. gnveevcK, evsjv`k evsK, gwZwSj,
XvKv/PMvg/ivRkvnx/Lyjbv/eov/wmjU/m`iNvU,XvKv/ewikvj/iscyi/gqgbwmsn|
3. wbevnx cwiPvjK, Mfbi gnv`qi mwPevjq, evsjv`k evsK, cavb Kvhvjq, XvKv|
4. Mfbi gnv`qi ewMZ KgKZv, evsjv`k evsK, cavb Kvhvjq, XvKv|
5. WcywU Mfbi gnv`qMYi mv_ mshy Dc-cwiPvjK/mnKvix cwiPvjK, evsjv`k evsK, cavb Kvhvjq, XvKv|
6. A_bwZK Dc`v/wbevnx cwiPvjK gnv`qMYi ewMZ mnKvix, evsjv`k evsK, cavb Kvhvjq, XvKv|
7. gnvcwiPvjK, evsjv`k BbwwUDU Ae evsK gvbRgU, wgicyi, XvKv|
8. gnvmwPe, w` BbwwUDU Ae evsKvm evsjv`k, weGmAviGm feb, 10g Zjv, 12, KvIivb evRvi, ZRMuvI, XvKv|
9. Pqvigvb, evsjv`k Gmvwmqkb Ae evsKm, 42, Kvgvj AvZvZzK GwfwbD, ebvbx, XvKv|
10. Pqvigvb, Gmvwmqkb Ae evsKvm, evsjv`k, Bvb Kgvwkqvj Kgc, 73, KvKivBj, XvKv|

(Bqvmwgb ingvb eyjv)

hyM cwiPvjK
dvbt 9530010-75/2465

19

cwiwk-K

......................... evsK/evsK wjt

....................kvLv

wnmve Lvjvi Ave`b dig

ewK wnmve
ZvwiLt...............................

wnmve b^it ............................

BDwbK MvnK AvBwW KvWt .............................

eevcK
evsKi bvgt ---------------kvLvi bvgt ---------------wcq gnv`q
Avwg/Avgiv Avcbvi kvLvq GKwU wnmve Lvjvi Rb Ave`b KiwQ| Avgvi/Avgv`i wnmve msv I ewMZ
wevwiZ Z_ wbg c`vb KiwQ t
1| wnmvei bvg t .......................................................................................................................
2| wnmvei cKwZ (wUK w`b)t

mqx

PjwZ

GmGbwW

vqx

FC

RFCD

NFCD

Abvb ........................................................................................
3| gy`v (wUK w`b)t

UvKv

4| wnmve cwiPvjbv msv NvlYv (wUK w`b)t

Wjvi

BDiv

GKKfve

h_fve

cvD
h Kvb GKRb

Abvb......
RxweZRb

Abvb ........................................................................................................................
5| Ab Kvb evsK cwiPvwjZ wnmve AvQ wK (wUK w`b)?

nvu

bv

Di nvu nj--

evsK I kvLvi bvg

(K)
(L)
(M)
(N)

wnmvei cKwZ (wUK wP w`b)

........................
........................
.........................
...........................

Rgv
Rgv
Rgv
Rgv

wnmve
wnmve
wnmve
wnmve

FY
FY
FY
FY

wnmve
wnmve
wnmve
wnmve

Abvb
Abvb
Abvb
Abvb

6| cwiPq`vbKvixi Z_t
(K) bvg
t.................................................................
(L) wnmve bs
t..................................................................
(M) kvLvi bvg
t..................................................................
(N) MvnKi mv_ mK
t..................................................................
(O) ^vi (ZvwiLmn)
t..................................................................
cwiPq`vbKvixi Z_ cZvqbKvix mswk evsK kvLvi KgKZvi bvg I ^vi t........................................
1

cwiwk-K
7| cv_wgK Rgvi cwigvY t ..........................
8| GdwWAvi msv Z_t cwigvYt................................................... gy`v t ..................................
gqv`Kvj t
bevqbi t

eQi

gvm

w`b |

gqv`c~wZi ZvwiL t ..........................................

Avmj Ges my` bevqb Kib

aygv Avmj bevqb Kib, my` ...............................b^i wnmve Rgv Kib
chvR bn|

9| wekl xg msv Z_t

xgi bvgt.............................................................................................................................
xgi gqv`t................... GKKvjxb Rgv/ wKwi cwigvYt ................... wKwi msLv (evwlK) t............
gqv`v c`qt.................................................... gvwmK c`qt...............................................
10| GK ev GKvwaK wnmveavix bvevjK nj t
Avwg wbgewYZ wnmveavixi ea AwffveK wnme GB gg NvlYv KiwQ h, wnmveavix bvevjK| Zvi cqvRbxq
Z_ mshy dig c`vb Kiv njv| wnmveavix mvevjK bv nIqv ch wKsev Avgvi cieZx NvlYv bv `qv ch
ea AwffveK wnmve wnmvewU Avgvi ^vi cwiPvwjZ ne|
(K) wnmveavix (bvevjK) Gi bvg t...............................................................................................
(L) AwffveKi bvg t............................................................bvevjKi mv_ mK t ..................
(bvevjK Ges AwffveK - Dfqi RbB ew msv Z_vejx dig c~iY KiZ ne Ges Dfq digB AwffveK KZK ^vi KiZ ne|)

11| bwgbx msv Z_vejx t GB digi mv_ mshy bwgbx msv Z_vejx dig h_vh_fve c~iYc~eK wnmve
Lvjvi Ave`b digi mv_ msiY KiZ ne|
12| A_i Drm/Drmmg~n (mywbw` I wevwiZ DjL KiZ ne)t ..........................................................
................................................................................................................................................
................................................................................................................................................
13| Nvlbv I ^vi t
Avwg/Avgiv GB gg wbqZv c`vb KiwQ h, Avwg/Avgiv wnmve msv hveZxq wbqgvejx/kZvejx cowQ Ges
D wbqgvejx/kZvejx gb PjZ eva _vKe| Avwg/Avgiv mvb NvlYv KiwQ h, DwjwLZ Z_vw` mZ|
Avwg/Avgiv c` Z_i AwZwi mswk h Kvb cqvRbxq Z_/`wjjvw` Avcbvi Pvwn`v gvZveK mieivn
Kie|
Ave`bKvixi bvg, ^vi I ZvwiL

Ave`bKvixi bvg, ^vi I ZvwiL

evsKi eenvii Rb
ge t.....................................................................................................................................
.........................
.........................
.........................
.........................
wnmve Lvjvi mv_ mswk KgKZvi
Abygv`bKvix KgKZvi
bvghy mxjmn ^vi I ZvwiL
bvghy mxjmn ^vi I ZvwiL

cwiwk-K

......................... evsK / evsK wjt

....................kvLv
wnmve Lvjvi dig t bwgbx msv Z_vejx

bwgbxi
AvjvKwP
(MvnK KZK
mZvwqZ)

(aygv ewK wnmvei chvR ne Ges GKi AwaK bwgbx nj

GKvwaK bwgbx dig c~iY KiZ ne|)

Avwg/Avgiv G wnmvei A_ Avgvi/Avgv`i gZyi ci wbgvfve wbgv ew/ewMYK c`vbi Rb

gbvbxZ Kijvg| Avwg/Avgiv DwjwLZ gbvbqb h Kvb mgq evwZj ev cwieZbi AwaKvi msiY Kwi| Avwg/Avgiv GB
gg Aviv mwZ vcb KiwQ h, Avgvi/Avgv`i wb`kbv gvZveK jb`b evsK Kvbvfve `vqe nebv|
wnmvei bvg
t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .... .. .. .. .. .. .. ..
wnmve b^i
t.. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .... .. .. .. .. .. .. ....
bwgbxi bvg
t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .... .. .. .. .. .. .. ...
wcZvi bvg
t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
gvZvi bvg
t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
^vgx/xi bvg
t.. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .... .. .. .. .. .. .. .. ..
Rb ZvwiL
t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
vqx wVKvbv
t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
ckv
t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
cvmcvU b^i
t ................................................................................................
RvZxq cwiPq c b^i t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
Rb wbeb mb`c b^it .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
wnmveavixi mv_ mK t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
kZKiv nvi
t .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..
x

Kvb AwbevmxK bwgbx Kiv nj Ges H Awbevmx mswk wnmvei A_ cv nj cv A_ we`k ciYi we`gvb
e`wkK gy`v wbqb AvBbi wewa weavb chvR ne|

bwgbxi cwiwPwZi cvmcvU, RvZxq cwiPqc I Rb wbeb mb`ci ga AvewkKfve h Kvb GKwU `wjj c`vb
KiZ ne| Ze Rb wbeb mb`c c`vbi Rb wbeb mb`ci AwZwi bwgbxi AvjvKwPmn h Kvb
cwiwPwZ c c`vb KiZ ne| AvjvKwPmn cwiwPwZ c bv _vKj m welq evsKi mw mvc Zv`i wbKU
MnYhvM mgvRi MYgvb ew1 KZK c` cwiPqi cZqb c c`vb KiZ ne| D cwiwPwZ c ev cZqb c
bwgbxi AvjvKwPmn nZ ne|

.......................................................................

......................................................................

MvnKi bvg, ^vi I ZvwiL

MvnKi bvg, ^vi I ZvwiL

1 MYgvb ew ejZ msm` m`m, wmwU Kcvikbi gqi, WcywU gqi I KvDwjiMY, c_g kYxi MRUW KgKZv,
cvewjK wekwe`vjqi wkK, DcRjv cwil`i Pqvigvb I fvBm Pqvigvb, BDwbqb cwil`i Pqvigvb, cimfvi gqi
I ci KvDwjiMY, emiKvix KjRi Aa, miKvix/emiKvix DP we`vjq I miKvix cv_wgK we`vjqi cavb wkK,
RvZxq `wbK cwKvi mv`K, bvUvix cvewjK Ges AvavmiKvix, ^vqkvwmZ I ivvqZ msv I miKvix gvwjKvbvaxb evsKi
1g kYxi KgKZvMYK eySve|

cwiwk-K

......................... evsK / evsK wjt

...............................kvLv

wnmve Lvjvi Ave`b dig

AewK wnmve
ZvwiLt...............................

wnmve b^it ............................

BDwbK MvnK AvBwW KvWt ..............................

eevcK
evsKi bvgt ---------------kvLvi bvgt ---------------wcq gnv`q
Avwg/Avgiv Avcbvi kvLvq wbgic GKwU wnmve Lvjvi Rb Ave`b KiwQ| Avgvi/Avgv`i, cwZvbi Ges
wnmvei wevwiZ Z_ wbg c`vb KiwQt
1| wnmvei bvg t
...........................................................................................................................
2| cwZvbi aiY (wUK w`b)t

cvBfU wjwgUW Kvvbx

miKvix

cvewjK wjwgUW Kvvbx

Avav miKvix/^vqZkvwmZ

Askx`vix

h_ D`vM

GKK gvwjKvbv

GbwRI/GbwcI

Kve/mvmvBwU

Abvb (wbw`fve).......................................................................

3| wnmvei cKwZ (wUK w`b)t

mqx

PjwZ

GmGbwW

vqx

e`wkK gy`v

4| gy`v (wUK w`b)t

UvKv

Wjvi

BDiv

cvD

Abvb......

Abvb.....

5| cwZvbi wVKvbv t
(K) iwRvW wVKvbv
t..............................................................................................
(L) eemvj/Awdmi wVKvbv
t..............................................................................................
(M) KviLvbv/wk cwZvbi wVKvbv t.............................................................................................
6| UW jvBm b^i
t .................................................... ZvwiL t .....................................
BmyKvix KZc
t.......................................................................................................
7| wbeb KZc I `k
t......................................................................................................
(`kx /we`kx Dfq aiYi Rb)
8| wbeb b^i
t...................................................... ZvwiL t ..................................
9| Uv AvBwW b^i (TIN)

t...................................................................................................

10| fvU iwRt b^i (hw` _vK) t...................................................................................................

11| eemvqi cKwZ (wevwiZ) t .................................................................................................
..................................................................................................

cwiwk-K
12| MvnKi Ab Kvb evsK wnmve AvQ wK?

nvu

bv

Di nvu nj-cwiPvjbvKZ wnmvei cKwZ (wUK wP w`b)

evsK I kvLvi bvg

(K) .........................................................
(L) .........................................................
(M) .........................................................

Rgv wnmve
Rgv wnmve
Rgv wnmve

FY wnmve
FY wnmve
FY wnmve

Abvb
Abvb
Abvb

(N) ..............................................................
(O) ..............................................................

Rgv wnmve
Rgv wnmve

FY wnmve
FY wnmve

Abvb
Abvb

13| cwiPq`vbKvixi Z_ t
(K) bvg
t............................................................................................................
(L) wnmve bs
t................................................................. ..........................................
(M) kvLvi bvg
t............................................................... .............................................
(N) ^vi (ZvwiLmn) t ............................................................................................................
(O) MvnK/ wnmve cwiPvjbvKvix (MY) Gi mv_ cwiwPwZi m~/mK .....................................................
cwiPq`vbKvixi Z_ cZvqbKvix mswk evsK kvLvi KgKZvi bvg I ^vi t........................................
14| cv_wgK Rgvi cwigvY t..................................................................................................
15| GdwWAvi msv Z_t
gqv`Kvj

bevqbi

cwigvYt.............................................. gy`v t .....................................

eQi

gvm

w`b |

gqv`c~wZi ZvwiLt...........................

Avmj Ges my` bevqb Kib

aygv Avmj bevqb Kib, my` ...............................b^i wnmve Rgv Kib
chvR bn|

16| wekl xg msv Z_t

xgi bvgt..........................................................................................................................
xgi gqv`t.................. GKKvjxb Rgv/ wKwi cwigvYt ................ wKwi msLv (evwlK) t.............
gqv`v c`qt.................................................... gvwmK c`qt.............................................
17| A_i Drm/Drmmg~n t (wbw` I wevwiZ DjL KiZ ne)............................................................
...........................................................................................................................................................

cwiwk-K
18| wnmve cwiPvjbvKvix msv NvlYv I ^vit
Avwg/Avgiv GB gg wbqZv c`vb KiwQ h, Avwg/Avgiv wnmve msv hveZxq wbqgvejx/kZvejx cowQ Ges
D wbqgvejx/kZvejx gb PjZ eva _vKe| Avwg/Avgiv mvb NvlYv KiwQ h, DwjwLZ Z_vw` mZ|
Avwg/Avgiv c` Z_i AwZwi mswk h Kvb cqvRbxq Z_/`wjjvw` Avcbvi Pvwn`v gvZveK mieivn
Kie|
Ave`bKvixi ^vi, bvg, c`ex, I ZvwiL
.................................................
.................................................
.................................................

................................................
................................................
................................................

.....................................
.....................................
.....................................

evsKi eenvii Rb
ge t ...................................................................................................................................
.........................
.........................
wnmve Lvjvi mv_ mswk KgKZvi
bvghy mxjmn ^vi I ZvwiL

.........................
.........................
Abygv`bKvix KgKZvi
bvghy mxjmn ^vi I ZvwiL

cwiwk-K
ewi
AvjvKwP

......................... evsK / evsK wjt

....................kvLv
wnmve Lvjvi dig t ew msv Z_vejx
GB digwU cyiYc~eK ew I AewK wnmvei g~j Aski mv_ mshy KiZ ne|

ZvwiLt...............................

wnmve b^it ..................................

BDwbK MvnK AvBwW KvWt ..........................

1. wnmvei bvg t ................................................................................................................

2. MvnKi bvg/ wnmve cwiPvjbvKvixi bvg t ..............................................................................
2.wnmvei mv_ mK (bxP chvR wUK w`b) t
1g Ave`bKvix

2q Ave`bKvix

wnmveavix bvevjK

AwffveK

3q Ave`bKvix
GUbx nvvi

cwiPvjK

wmMbUwiR

Askx`vi

GKK mvwaKvix

cKZ myweavfvMx

Abvb

3. wcZvi bvg

t..............................................................................................

4. gvZvi bvg

t..............................................................................................

5. ^vgx/xi bvg

t.............................................................................................

6. RvZxqZv

t..............................................................................................

7. Rb ZvwiL

t.............................................................................................

8. Rbvb

t.............................................................................................

9. wj (wUK w`b)
t
cyil
gwnjv
10. ckv (wevwiZ DjLc~eK chvR evsKi Pvwn`v gZveK `wjjvw` c`vb KiZ ne) t
...............................................................................................................................................
11. cvmcvU b^i
12. RvZxq cwiPqc b^i

t ..............................................................................................
t .............................................................................................

13. Rb wbeb mb`c b^i

t .............................................................................................

[11 nZ 13 b^i wgK ewYZ `wjjvw` nZ AvewkKfve h Kvb GKwU `wjj c`vb KiZ ne| Ze Rb wbeb mb`
c`vbc~eK wnmve Lvjvi Rb wbeb mb`ci AwZwi MvnK/wnmve cwiPvjbvKvixi AvjvKwPmn h Kvb cwiwPwZ c
c`vb KiZ ne| AvjvKwPmn cwiwPwZ c bv _vKj m welq evsKi mw mvc Zv`i wbKU MnYhvM mgvRi
MYgvb ew2 KZK c` cwiPqi cZqb c c`vb KiZ ne| D cwiwPwZ c ev cZqb c MvnK/wnmve cwiPvjbvKvixi
AvjvKwPmn nZ ne| GQvov, wbi 14 nZ 16 b^i wgK ewYZ `wjjvw`mn AwZwi Aviv Kvb `wjjvw` Ges GB dig
DwjwLZ Z_vw`i AwZwi Z_ MvnKi cwiwPwZ wbwZ nIqvi j evsKi mwi Rb evsKi Pvwn`v gvZveK c`vb KiZ
ne|]
2 MYgvb ew ejZ msm` m`m, wmwU Kcvikbi gqi, WcywU gqi I KvDwjiMY, c_g kYxi MRUW KgKZv,
cvewjK wekwe`vjqi wkK, DcRjv cwil`i Pqvigvb I fvBm Pqvigvb, BDwbqb cwil`i Pqvigvb, cimfvi gqi
I ci KvDwjiMY, emiKvix KjRi Aa, miKvix I emiKvix DP we`vjq I miKvix cv_wgK we`vjqi cavb wkK,
RvZxq `wbK cwKvi mv`K, bvUvix cvewjK Ges AvavmiKvix,^vqkvwmZ I ivvqZ msv I ivvqZ evsKi 1g kYxi
KgKZvMYK eySve|

cwiwk-K
14. Uv AvBwW b^i (hw` _vK)

t ...........................................................................................

15. fvU iwRkb b^i (hw` _vK) t .............................................................................................

16. WvBwfs jvBm b^i (hw` _vK) t ............................................................................................
17. Abvb (wbw`fve DjL KiZ ne) t ---------------------------------------------------MvnK/

wnmve

cwiPvjbvKvixi

18. eZgvb wVKvbv (Avevmj)

t............................................................................
Proof of address Gi mc

19. vqx wVKvbv

WKzgUm msMn KiZ ne

t.................................................................................

20. ckvMZ wVKvbv

t.................................................................................

21. hvMvhvM

(K) wVKvbv
(L) Uwjdvb b^i t (1) evmv .........................................

(2) Awdm .......................................

(M) gvevBj b^i t (1) ...................................

(2) .............................................

(N) B-gBj t.........................................

(O) dv b^i t ...............................

22. wWU KvW msv Z_ (hw` _vK) t

BmyKvix cwZvb I KvW b^i t (K) vbxq (Local) ......................................................................
(L) AvRvwZK (International) .................................................................
23. iwmWU vUvm (wUK w`b)

iwmWU

bb-iwmWU

(cqvRbxq evsK MvBWjvB di dib GP UvbRKkbm& Gi wb`kbv AbymiY Ki Z_ msMn Kie)

^vi (ZvwiLmn)

.........................
.........................
wnmve Lvjvi mswk KgKZvi
bvghy mxjmn ^vi

............................
............................
Abygv`bKvix KgKZvi
bvghy mxjmn ^vi

cwiwk-K

......................... evsK / evsK wjt

....................kvLv

wnmve Lvjvi Ave`b dig

jb`bi AbywgZ gvv (Transaction Profile)
(ewK I AewK Dfq cKwZi wnmvei Rb chvR)

wnmvei bvg t
wnmve b^i t
Rgv

mve gvwmK Rgvi

msLv

gvm mve mevP GKK Rgvi

cwigvY

mve gvwmK gvU Rgvi

cwigvY

bM` Rgv (h Kvb kvLv I GwUGg Rgvmn)

Uvdvi/ BUygU Gi gvag Rgv
dib iwgUv Rgv
ivbx nZ Avq
Abvb (wbw`fve)..........................
gvU mve gvwmK Rgvi cwigvY
mve gvwmK
Dvjbi msLv

Dvjb

gvm mve mevP GKK

Dvjbi cwigvY

mve gvwmK gvU Dvjbi

cwigvY

bM` Dvjb (h Kvb kvLv I GwUGg Dvjbmn)

Uvdvi/BUygU Gi gvag cwikva
dib iwgUv Dvjb
Avg`vbx eve` eq
Abvb (wbw`fve)...........................
gvU mve gvwmK Dvjbi cwigvY

Avwg/Avgiv wbg^viKvix(MY) G gg wbqZv c`vb KiwQ h, jb`bi AbywgZ gvv Avgvi/cwZvbi ^vfvweK mve
jb`b| Avwg/Avgiv Aviv wbqZv c`vb KiwQ h, cqvRbeva Avwg/Avgiv jb`bi AbywgZ gvv mskvab/nvjbvMv`
Kie|
1| MvnK/wnmve cwiPvjbvKvix
^vi t
bvg t
c`ex t
ZvwiL t

2| MvnK/wnmve cwiPvjbvKvix
^vi t
bvg t
c`ex t
ZvwiL t

mve jb`bi AbywgZ gvv MnYKvix evsK KgKZvi bvgt

c`ext
^vit

cwiwk-K
MvnK cwiwPwZ mwKZ dig (KYC Profile Form) t
(wekl xg/vqx AvgvbZi chvR)
1. wnmvei bvg t
2. wnmvei cKwZ t
3. wnmve b^i t
4. BDwbK MvnK AvBwW KvW t
5. MvnKi ckv (wevwiZ) t
6. MvnKi gvwmK mve Avq t
7. A_i Drm/Drmmg~n (wevwiZ) t
8. A_i Drm wbwZ Kiv Kivi msMnxZ `wjjvw` t
9. wnmveavixi wVKvbv(mg~n) wKfve hvPvB Kiv nqQ (wevwiZ)? ....................................................
10. wnmvei cKZ myweavfvMx (Beneficial Owner) mwKZ Z_vw` t (Kvvbxi wbqYKvix kqvi
nvvi A_ev 20% ev Z`ya GKK kqvi nvviK wnmvei cKZ myweavfvMx weePbvq Zvi/Zv`i cwiwPwZi
mwVK I c~Yv Z_ msMn I msiY KiZ ne ewK wnmvei I cKZ myweavfvMx wPwZKiZt
KIqvBwm mv`b KiZ ne)
11. cvmcvU b^i t ........................................ dUvKwc MnxZ wKbv? t nuv / bv (chvR )
12. RvZxq cwiPqc b^i t .............................. dUvKwc MnxZ wKbv? t nuv / bv (chvR )
13. Rb wbeb mb`c b^i t ............................ dUvKwc MnxZ wKbv? t nuv / bv (chvR )
14. Uv AvBwW b^i t .................................... dUvKwc MnxZ wKbv? t nuv / bv (chvR )
15. fvU iwRt b^i t ...................................... dUvKwc MnxZ wKbv? t nuv / bv (chvR )
16. WvBwfs jvBm b^i t ................................. dUvKwc MnxZ wKbv? t nuv / bv (chvR )
17. Abvb t ...............................................................................................................
18. Awbevmx

(Non-resident)

Ges

we`kx`i

wnmve

Lvjvi

Dkt

(chvR

)................................................
(K) wfmvi cKwZ..................................................................................
(L) KgvbygwZ (Work Permit) cv`i wnmve Lvjvi KgvbygwZ (Work Permit) c I
evsK wnmve Lvjvi Rb h_vh_ KZci Abygv`b iqQ wKbv? t nuv / bv (chvR)
..................................................................................................................................
19. cwjwUKvwj GcvmW& cvimbm& (PEPs)/cfvekvjx ew/ AvRvwZK msvi cavb Ges Zv`i
close assosiates Gi (G mvKyjvi ewYZ msv Abymvi) t (chvR )
K. wmwbqi gvbRgU nZ Abygv`b bqv nqQ wK bv? nuv / bv
L. MvnKi msM gyLvgywL mvvrKvi bqv nqQ t nuv / bv
20. mswk AvBb, wewagvjv I mvKzjvii AvjvK MvnKi bvg RvwZmsNi wbivcv cwil`i wewfb
iRyjykbi AvIZvq mvm, mvmx Kvh I evcK asmvZK A wevi A_vqb RwoZ m`n

10

cwiwk-K
ZvwjKvfy Kvb ew ev mv Ges evsjv`k miKvi KZK ZvwjKvfy Kvb ew ev wbwl NvwlZ
mvi bvgi ZvwjKvi mv_ hvPvB evQvBc~eKKvbic wgj cvIqv wMqQ wKbv ? t nuv / bv
21. Di nuv nj G welqK MnxZ eevi weeiY t
22. wi MwWs t
DP

wb

(evsK MvnKi eemvqi ev ckvi cKwZ, eemvqi GjvKv, eemvqi AvKvi, wnmvei cKZ myweavfvMx cfwZ welqmg~n
weePbvq wbq MvnKi SuywK wbaviY Kie Ges Zvi mc ge c`vb Kie)

cZKvix t
(wnmve Lvjvi mswk KgKZv ewZiK
Ab Kvb KgKZv/ kvLv gvwbjvwis cwZiva
cwicvjb KgKZv)
^vi (mxjmn) t
bvg t
ZvwiL t

Abygv`bKvix KgKZv t
(kvLv eevcK)

^vi (mxjmn) t
bvg t
ZvwiL t

23. wnmve I MvnK msv Z_vw` mekl chvjvPbv Ges nvjbvMv` (Review & Update ) Kivi ZvwiLt
................................................................................................................................

chvjvPbv Ges nvjbvMv`Kvix KgKZvi

bvg (mxjmn) ^vi I ZvwiL

11

cwiwk-K
MvnK cwiwPwZ mwKZ dig (KYC Profile Form) t
(wekl xg/vqx AvgvbZ eZxZ ew I cwZvbi Abvb wnmve Lvjvi chvR)

1.
2.
3.
4.
5.
6.
7.
8.

wnmvei bvg t
wnmvei cKwZ t
wnmve b^i t
BDwbK MvnK AvBwW KvW t
MvnKi ckv (wevwiZ) t
MvnKi gvwmK mve Avq t
A_i Drm/Drmmg~n (wevwiZ) t
A_i Drm wbwZ Kiv Kivi msMnxZ `wjjvw` t

9. wnmveavixi wVKvbv (mg~n) wKfve hvPvB Kiv nqQ (wevwiZ)? .............................................

...............................................................................................................................
(Beneficial Owner) mwKZ Z_vw` (Kvvbxi 20% ev Gi AwaK
GKK kqvi nvvi Gi wevwiZ Z_vw` msMnc~eK KIqvBwm mv`b KiZ ne | GQvovI Kvvbxi wbqbKvix
kqvi nvvi Gi wevwiZ Z_vw` msMnc~eK KIqvBwm mv`b KiZ ne| ewK wnmvei I cKZ
myweavfvMx wPwZKiZt KIqvBwm mv`b KiZ ne) |

10. wnmvei cKZ myweavfvMx

11. cvmcvU b^i t ........................................ dUvKwc MnxZ wKbv? t nuv / bv (chvR )

12. RvZxq cwiPqc b^i t .............................. dUvKwc MnxZ wKbv? t nuv / bv (chvR )
13. Rb wbeb mb`c b^i t ............................ dUvKwc MnxZ wKbv? t nuv / bv (chvR )
14. Uv AvBwW b^i t .................................... dUvKwc MnxZ wKbv? t nuv / bv (chvR )
15. fvU iwRt b^i t ...................................... dUvKwc MnxZ wKbv? t nuv / bv (chvR )
16. WvBwfs jvBm b^i t ................................. dUvKwc MnxZ wKbv? t nuv / bv (chvR )
17. Abvb t ------------------------------------------------------------------------------------18. Awbevmx (Non-resident) Ges we`kx`i wnmve Lvjvi Dkt (chvR )
...............................................................................................................................
(K) wfmvi cKwZ..................................................................................
(L) KgvbygwZ (Work Permit) cv`i wnmve Lvjvi KgvbygwZ (Work Permit) c I
evsK wnmve Lvjvi Rb h_vh_ KZci Abygv`b iqQ wKbv? t nuv / bv (chvR)
19. cwjwUKvwj GcvmW& cvimbm& (PEPs)/cfvekvjx ew/ AvRvwZK msvi cavb Ges Zv`i
close assosiates Gi (G mvKyjvi ewYZ msv Abymvi) t (chvR )
K. wmwbqi gvbRgU nZ Abygv`b bqv nqQ wK bv? nuv / bv
L. MvnKi msM gyLvgywL mvvrKvi bqv nqQ t nuv / bv

12

cwiwk-K
20. mswk AvBb, wewagvjv I mvKzjvii AvjvK MvnKi bvg RvwZmsNi wbivcv cwil`i wewfb
iRyjykbi AvIZvq mvm, mvmx Kvh I evcK asmvZK A wevi A_vqb RwoZ m`n
ZvwjKvfy Kvb ew ev mv Ges evsjv`k miKvi KZK ZvwjKvfy Kvb ew ev wbwl NvwlZ
mvi bvgi ZvwjKvi mv_ hvPvB evQvBc~eKKvbic wgj cvIqv wMqQ wKbv ? t nuv / bv
21. Di nuv nj G welqK MnxZ eevi weeiY t
22. MvnK wK Kib/cwZvbwU wK aiYi eemvq wbqvwRZ iqQ?
wgK bs
cKwZ
01
Ryqjvix eemv/^Yi eemv /g~jevb avZzi eemv
02
gvwb Pvi /Kzwiqvi mvwfm/gvevBj evswKs
GRU/GRU evswKs
03
wiqj GU Wfjcvi/ GRU
04
wbgvY cKi wVKv`vi
05
Admvi Kcvikb
06
wPKjv/AvwUKi wWjvi
07
iuviv/evi/bvBU Kve/AvevwmK nvUj/cvjvi eemv
08
Avg`vbx/ivbx I Avg`vbx/ivbx GRU
09
MvgUm eemv
10
kqvi/K wWjvi, evKvi, cvUdvwjI gvbRvi,
gvPU evsKvi
11
kqvi/K eemvq wewbqvMKvix
12
GbwRI/GbwcI
13
Rbkw ivbx eemv
14
PjwP chvRbv/cwiekbv msv
15
Ai eemv
16
gvevBj dvb AcviUi
17
ivRbwZK `j
18
Kve
19
mvmvBwU
20
Uv
21
PvwiwU
22
Uvfj GRU
23
cwienb eemvqx
24
AUvwWjvi (wiKwk Mvox)
25
KwDUvi/gvevBj dvbi wWjvi
26
dBU/wkwcs/KvMv GRU
27
wjwRs/dvBbv Kvvbx
28
Byi/evKviR GRx
29
agxq cwZvb/msv
30
webv`bKvix cwZvb/cvK
31
gvUi cvUm Gi eemv
13

wi jfj
DP
DP

vi
5
5

DP
DP
DP
DP
DP
DP
DP
DP

5
5
5
5
5
5
5
5

DP
DP
DP
DP
DP
DP
DP
DP
DP
DP
DP
DP
DP
DP
DP
DP
gag
gag
gag
gag
gag

5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
3
3
3
3
3

cwiwk-K
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46

ZvgvK I wmMviUi eemv

Drcv`bKvix cwZvb
PvKzix (eZb wnmve eZxZ Ab wnmve)
Qv
Mwnbx
AUv cvBgvix (bZzb Mvox)
`vKvbi gvwjK (LyPiv)
eemv-GRU
z` eemvqx (evwlK UvbIfvi 50 j UvKvi bxP)
evox wbgvY mvgMxi eemv
mdU&Iqvi eemv
PvKzix (aygv eZb wnmve)
PvKzix nZ Aemi MnYKvix
KwlRxex
Abvb

gag
gag
gag
gag
gag
gag
wbg
wbg
wbg
wbg
wbg
wbg
wbg
wbg

3
3
3
3
3
3
2
2
2
2
2
1
1
1

(evsK MvnKi eemvqi ev ckvi cKwZ, eemvqi GjvKv, eemvqi AvKvi, wnmvei cKZ myweavfvMx cfwZ
welqmg~n weePbvq wbq MvnK f` 27-46 wgK DwjwLZ ckvi ewYZ vi Acv DPZi vi
c`vb Kie|)

23. MvnKi bxU m`i (Net Worth) cwigvY t

cwigvY (UvKvq)

wi jfj

1-50 j
>50 j- 2 KvwU
>2KvwU

wbg
gag
DP

wi iwUs

0
1
3

24. wnmve Lvjvi aiY t

aiY

wi jfj

wijkbkxc gvbRvi/kvLv KZK

WvBi mjm& GRU KZK
BUvibU
AhvwPZ/ ^cYvw`Zfve

wbg
gag
DP
DP

wi iwUs

0
2
3
3

25.MvnKi AbywgZ gvwmK jb`bi cwigvY t

PjwZ wnmve jb`bi
cwigvY (j UvKvq)

0-10
>10-50
>50

mqx wnmve jb`bi

cwigvY (j UvKvq)

0-5
>5-20
>20

wi jfj

wbg
gag
DP

14

wi iwUs

0
1
3

cwiwk-K
26. MvnKi AbywgZ gvwmK jb`bi msLv t
PjwZ wnmve jb`bi msLv

mqx wnmve jb`bi msLv

0-100
>100-250
>250

0-20
>20-50
>50

wi jfj

wbg
gag
DP

wi iwUs

0
1
3

27. MvnKi AbywgZ gvwmK bM` jb`bi cwigvY t

PjwZ wnmve jb`bi
cwigvY (j UvKvq)

0-10
10-25
>25

mqx wnmve jb`bi

cwigvY (j UvKvq)

0-2
2-7
>7

wi jfj

wbg
gag
DP

wi iwUs

0
1
3

28. MvnKi AbywgZ gvwmK jb`bi msLv t

PjwZ wnmve jb`bi
msLv

0-15
15-30
>30

mqx wnmve jb`bi

msLv

0-5
5-10
>10

wi jfj

wbg
gag
DP

wi iwUs

0
1
3

29. mvweK SzuwK wbicY (Dcii 22 nZ 28 b^i wgK ch wi iwUs Gi hvMdj) t

wi iwUs

SuywKi cKwZ

>=14
<14

DP
wbg

ge t
(* wi iwUs 14 Gi Kg njI KviY DjLc~eK Subjective weePbvq MvnKK DP SuywK mb wnme wbicY Kiv hZ cvi)

cZKvix t
(wnmve Lvjvi mswk KgKZv ewZiK
Ab Kvb KgKZv/ kvLv gvwbjvwis cwZiva
cwicvjb KgKZv)

Abygv`bKvix KgKZv t
(kvLv eevcK)

^vi (mxjmn) t
bvg t
ZvwiL t

^vi (mxjmn) t
bvg t
ZvwiL t

30. wnmve I MvnK msv Z_vw` mekl chvjvPbv Ges nvjbvMv` (Review & Update ) Kivi ZvwiLt
chvjvPbv Ges nvjbvMv`Kvix KgKZv t
^vi (mxjmn) t
bvg t
ZvwiL t

15

cwiwk-K

AewK wnmvei Rb cqvRbxq Z_vw`i wb`kK (Indicative) ZvwjKv|\

( cZK evsK h_vh_fve MvnKi cwiwPwZ I Customer Due diligence mv`b Kivi Dk evsKi
mw mvc G ZvwjKvq ewYZ Z_i AwZwi Z_ I `wjjvw` msMn KiZ cvie| evsKi mw
mvc Gi evLv g~j mvKzjvii 3.2 (3) AbyQ` c`vb Kiv nqQ)|
(K) KcviU ev eemvwqK cwZvbi wnmve t
(1) ew gvwjKvaxb cwZvb t UW jvBmmn wnmve cwiPvjbvKvixi (cwZvbi ^vwaKvixi) welq ew
msv Z_vejx dig h_vh_fve c~iY KiZ ne|
(2) cvUbvikxc t cvUbvikxc wWW, UW jvBmmn Askx`viMYi cwiwPwZi welq ew msv Z_vejx
dig h_vh_fve c~iYmn ewbwdwkqvj Ibvi Gi msv Abyhvqx cZK cvUbvi/kqvinvvii dig c~iY
KiZ ne|
(3) wjwgUW Kvvbx t mvwUwdKU Ae BbKcvikb, AvwUKjm Ae Gmvwmqkb, ggvivg Ae
Gmvwmqkb, evWi mfvq MnxZ AvbyvwbK wmv (resolution), cwiPvjK mwKZ NvlYv Ges wnmve
cwiPvjbvKvixi welq ew msv Z_vejx dig h_vh_fve c~iYmn ewbwdwkqvj Ibvi Gi msv
Abyhvqx cZK cwiPvjKi/kqvinvvii ew msv Z_vejx dig c~iY KiZ ne| (Kvvbx ev
Zuvi cwiPvjKMYi welq cqvRb Z_vw`i mwVKZv hvPvBqi j iwRvi Ae RqU K KvvbxR
G dvgm& Gi mvnvh MnY Kiv hZ cvi| evsjv`ki evBi wbewZ Kvvbxi wbeb `wjjvw` h
vb nZ BmyKZ nqQ, cqvRb mLvb hvMvhvM Ki `wjjvw`i h_v_Zv mK wbwZ nIqv hZ
cvi)|
(L) miKvix wnmve (wewfb gYvjq, wefvMmn), miKvix gvwjKvbvaxb cwZvb, Avav miKvix ev ^vqkvwmZ
cwZvbi wnmve, wewfb gYvjqi Aaxb cwiPvwjZ cKi wnmve t wnmve Lvjv I cwiPvjbvi Rb mswk
Dchy KZc KZK c` AbygwZ cmn wnmve cwiPvjbvKvixi ew msv Z_vejx dig h_vh_fve
c~iY KiZ ne|
(M) Abvb msMVbi wnmve t
(1) Kve/mvmvBwU t Awdm KgKZvMYi weeiY (office bearers), evB-jR ev msweavb, iwRvW nj miKvix
Abygv`bc BZvw`mn mswk ew msv Z_vejx dig h_vh_fve c~iY KiZ ne|
(2) mgevq mwgwZ/wjwgUW mvmvBwU t Kv-AcviwUf KgKZv KZK mZvwqZ evB-jR, Awdm KgKZv`i
(office bearers) weeiY, wnmve Lvjvi welq wmv (resolution), mvwUwdKU Ae iwRkb
BZvw`mn mswk ew msv Z_vejx dig h_vh_fve c~iY KiZ ne|
(3) emiKvix zj, KjR, gv`vmv t Mfwbs ewW ev gvbwRs KwgwUi m`mMYi c~Y cwiwPwZ, wnmve Lvjvi
welq wmv (resolution) BZvw`mn mswk ew msv Z_vejx dig h_vh_fve c~iY KiZ ne|
(4) Uvw t wWW Ae Uv Gi mvwUdvBW Kwc, Uvw evW Gi m`mMYi c~Y cwiwPwZ, wnmve Lvjvi welq
wmv (resolution) BZvw`mn mswk ew msv Z_vejx dig h_vh_fve c~iY KiZ ne|

16

cwiwk-L
ANTI-MONEY LAUNDERING & COMBATING FINANCING of TERRORISM
QUESTIONNAIRE FOR CORESPONDENT RELATIONSHIP
A.

B.

BASIC INFORMATION
1.
Name of Institution: ____________________________________________
2.
Registered Address: ____________________________________________
____________________________________________
3.
Website Address: ____________________________________________
4.
Principal Business Activities: ______________________________________
5.
Regulatory Authority: ____________________________________________
6.
Operational Status:

Does your Bank maintain a physical presence in the licensing country?

Yes /
OWNERSHIP / MANAGEMENT
7. Is your institution listed on any stock exchange?
If so, which stock exchange?

Yes /

No

No

___________________________________________________
8. If No to Q7, please provide a list of the major shareholders
holding more than 10% shares in your institution.
___________________________________________________
___________________________________________________
C.

ANTI-MONEY LAUNDERING AND TERRORIST FINANCING CONTROLS

If you answer no to any question, additional information can be supplied at the end of the questionnaire.
I. General AML&CFT Policies, Practices and Procedures:
9. Does your institution have in place policies and procedures approved
by your institutions board or senior management to prevent Money
Laundering and Combat Financing of Terrorism?

Yes /

No

10. Does your institution have a legal and regulatory compliance

program that includes a designated officer that is responsible for
coordinating and overseeing the AML/CFT framework?

Yes /

No

11. Has your institution developed written policies documenting the

processes that they have in place to prevent, detect and report
suspicious transactions?

Yes /

No

12. Does your institution have a policy prohibiting accounts/relationships

with shell banks? (A shell bank is defined as a bank incorporated in a
jurisdiction in which it has no physical presence and which is
unaffiliated with a regulated financial group.)

Yes /

No

13. Does your institution permit the opening of anonymous or numbered

accounts by customers?

Yes /

No

14. Does your institution have policies to reasonably ensure that they will
not conduct transactions with or on behalf of shell banks through any
of its accounts or products?

Yes /

No

cwiwk-L
15. Does your institution have policies covering relationships with
Politically Exposed Persons (PEPs), their family and close
associates?

Yes /

No

16. Does your institution have policies and procedures that require
keeping all the records related to customer identification and their
transactions?
If Yes, for how long?____________________________________

Yes /

No

Yes /

No

Yes /

No

Yes /

No

20. Does your institution have a requirement to collect information

regarding its customers business activities?

Yes /

No

21. Does your institution have a process to review and, where

appropriate, update customer information relating to high risk client
information?

Yes /

No

22. Does your institution have procedures to establish a record for each
new customer noting their respective identification documents and
Know Your Customer information?

Yes /

No

23. Does your institution complete a risk-based assessment to understand

the normal and expected transactions of its customers?

Yes /

No

Yes /

No

25. Where cash transaction reporting is mandatory, does your institution

have procedures to identify transactions structured to avoid such
obligations?

Yes /

No

26. Does your institution screen customers and transactions against lists
of persons, entities or countries issued by government/competent
authorities or under the UN security Council Resolution?

Yes /

No

II. Risk Assessment

17. Does your institution have a risk-based assessment of its customer
base and their transactions?
18. Does your institution determine the appropriate level of enhanced
due diligence necessary for those categories of customers and
transactions that the FI has reason to believe pose a heightened risk
of illicit activities at or through the FI?
III. Know Your Customer, Due Diligence and Enhanced Due Diligence
19. Has your institution implemented processes for the identification of
those customers on whose behalf it maintains or operates accounts or
conducts transactions?

IV. Reportable Transactions for Prevention and Detection of ML/TF

24. Does your institution have policies or practices for the identification
and reporting of transactions that are required to be reported to the
authorities?

cwiwk-L
27. Does your institution have policies to reasonably ensure that it only
operates with correspondent banks that possess licenses to operate in
their countries of origin?

Yes /

No

Yes /

No

Yes /

No

30. Does your institution communicate new AML related laws or

changes to existing AML related policies or practices to relevant
employees?

Yes /

No

31. Does your institution provide AML training to relevant third parties
if they are employed to carry out some of the functions of your
organisation?

Yes /

No

IV. Transaction Monitoring

28. Does your institution have a monitoring program for unusual and
potentially suspicious activity that covers funds transfers and
monetary instruments such as travelers checks, money orders, etc?
V. AML Training
29. Does your institution provide AML& CFT training to relevant
employees of your organisation?

Space for additional information:

(Please indicate which question the information is referring to.)
..........................................................................................................................................................................
..........................................................................................................................................................................
..........................................................................................................................................................................
................................................................................................................................
D. GENERAL
32. Does the responses provided in this Declaration applies to the
following entities:
x Head Office and all domestic branches
x Overseas branches
x Domestic subsidiaries
x Overseas subsidiaries

Yes /

No

If the response to any of the above is No, please provide a list of the branches and /or subsidiaries that
are excluded, including the name of the institution, location and contact details.
I, the undersigned, confirm to the best of my knowledge that the information provided in this
questionnaire is current, accurate and representative of the anti-money laundering and anti-terrorist
financing policies and procedures that are established in my institution.
I also confirm that I am authorized to complete this questionnaire on behalf of my institution.
Signature:
____________________________________
Name:
____________________________________
Designation:
____________________________________
Date:
____________________________________
Contact No:
____________________________________
Email:
____________________________________

cwiwk M

SUSPICIOUS TRANSACTION REPORT (STR) FORM

A. Reporting Institution :
1. Name of the Bank:
2. Name of the Branch:
B. Details of Report:
1. Date of sending report:
2. Is this the addition of an earlier report?

Yes

3.If yes, mention the date of previous report

C. Suspect Account Details :
1. Account Number:
2. Name of the account:
3. Nature of the account:
(Current/savings/FDR/loan/other, pls. specify)

4. Nature of ownership:
(Individual/proprietorship/partnership/company/other, pls. specify)

5.Date of opening/Transaction:
6. Address:

D. Account holder details :

1. 1. Name of the account holder:
2. Address:
3. Profession:
4. Nationality:
5. Other account(s) number (if any):
6. Other business:
7. Fathers name:
8. Mothers Name:
9. Date of birth:
10.Place of birth:
11.Passport No.
12.National Identification No.
13. Birth Regoistration No.
14. TIN:
2.

1. Name of the account holder:

2. Relation with the account
holder mention in sl. no. D1
3. Address:
4. Profession:
5. Nationality:

No

cwiwk M
6. Other account(s) number(if any):
7. Other business:
8. Fathers name:
9. Mothers Name:
10. Date of birth:
11. Place of birth:
12.Passport No.
13.National Identification No.
14. Birth Regoistration No.
15. TIN:
E. Introducer Details :
1. Name of introducer:
2. Account number:
3.Relation with account holder:
4. Address:
5. Date of opening:
6. Whether introducer is maintaining
good relation with bank

F. Reasons for considering the transaction(s) as suspicious?

(Mention summery of suspicion and consequence of events)
[To be filled by the BAMLCIO]

a.

Identity of clients

b.

Activity in account

c.

Background of client

d.

Multiple accounts

e.

Nature of transaction

f.

Value of transaction

g.

Other reason (Pls. Specify)

G. Suspicious Activity Information

Summary characterization of suspicious activity:
a.

Corruption and
bribery

k.

murder, grievous
physical injury

u.

terrorism or financing in terrorist

activities

b.

counterfeiting
currency

l.

trafficking of women
and children

v.

adulteration or the manufacture of

goods through infringement of title

c.

Counter feiting

black marketing

w.

offences relating to the environment

cwiwk M
.

d.

deeds and
documents
extortion

n.

smuggling of domestic
and foreign currency

x.

sexual exploitation

e.

fraud

o.

Theft or robbery or
dacoity or piracy or
hijacking of aircraft

y.

insider trading and market

manipulation

f.

forgery

p.

human trafficking

z.

organized crime, and participation in

organized criminal groups

g.

illegal trade of
firearms

q.

dowry

aa.

racketeering

h.

illegal trade in
narcotic drugs,
psychotropic
substances and
substances causing
intoxication
illegal trade in stolen
and other goods

smuggling and
offences related to
customs and excise
duties

bb.

Other(Please
specify)

s.

tax related offences

kidnapping, illegal
restrain and hostage
taking

t.

infringement of
intellectual property
rights

i.

j.

H. Transaction/Attempted Transaction Details:

Sl. no.
Date
Amount

Type*

*Cash/Transfer/Clearing/TT/etc.
Add paper if necessary

I. Counter Parts Details (Where Applicable)

Sl. no.
Date
Bank

Branch

Account no.

J. Has the suspicious transaction/activity had a material impact on or

otherwise affected the financial soundness of the bank?
K. Has the bank taken any action in this context? If yes, give details.

Amount

Yes

No

cwiwk M
L. Documents to be enclosed
1. Account opening form along with submitted documents
2. KYC Profile, Transaction Profile
3. Account statement for last one year
4. Supporting Voucher/correspondence mention in sl. no. H
5. Others

Signature :
(CAMLCO or authorized officer of CCU)
Name
:
Designation :
Phone
:
Date
:

cwiwk-N
SUSPICIOUS TRANSACTION REPORT (STR) FORM
(WIRE TRANSFER/MOBILE FINANCIAL SERVICE)

A. Reporting Institution:
1. Name of the Institution:
2. Name of the Branch/Agent:
3. Service Place of the Branch/Agent:
4. Agent Identification / ID:(If applicable)
B. Details of Report:
1. Date of sending report:
2. Is this the addition of an earlier report?
Yes
3. If yes, mention the date of previous report
C. Suspect Details:
1. Name:
2. Address:
3. Profession/Business:
4. Nationality/Ownership status:
5. Fathers name/ Proprietors name:
6. Mothers Name (where necessary):
7. Date of birth (where necessary):
8. Place of birth:
9. Passport No.
10. National Identification No.
11. Birth Regoistration No.
12. Contact Details:
Mobile NoEmail13. Any other important Information:
D. Suspicious Transaction/Attempted Transaction Details :
Sl. no.
Date
Amount
Type

No

E. Reasons for considering the transaction(s) as unusual/suspicious?

(Mention summary of suspicion and consequence of events)
(Use separate sheet, if needed)
F. List of Documents attached with the report
Signature:
(CAMLCO or authorized officer of CCU)
Name:
Designation:
Phone No:
Date:

cwiwk-O

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bxwZgvjv Abyhvqx gvwbjvwis
I mvm A_vqb msv SzuwK
cwZiva h_vh_ eev MnY
Kiv nqQ wKbv?

gvwb jvwis 1.
cwZiva I
mvm A_vqb
cwZiva welq
KgKZv`i
vb I
2.
mPZbZv ew
Ges SzuwK
cwZiva
MwnZ eev|

kvLvq KZRb KgKZv gvwb

jvwis cwZiva I mvm
A_vqb cwZiva welqK
AvbyvwbK cwkY MnY
KiQb?

cv ge
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3.

Aj/Gwiqv

ckgvjv

hvPvBqi gvb`

vi

MvnK cwiwPwZ 1.
(KYC) cwZ

mKj cKvi wnmve Lvjv I

jb`b cwiPvjbvi gvwb
jvwis cwZiva AvBb, mvm
weivax
AvBb
Ges
weGdAvBBD KZK RvixKZ
gvvi mvKzjvii wb`kbv
Abymvi
MvnK
cwiwPwZ
mvlRbKfve MnY Kiv nq
wKbv ?

cZK aibi 4/5 wU wnmvei

bgybv cixv Kib| wbgv
welq mwmvc b^i c`vb
KibMvnK cwiwPwZi h_v_Zv wKfve
hvPvB Kiv nq? wKfve Zv
kvLvq msiY Kiv nQ?
KYC mv`bKvj MvnKi
Znweji Drm hvPvB Kiv nqQ
wKbv?
wnmvei cKZ myweavfvMx
(Beneficial Owner) mbv
Kiv nqQ wKbv Ges Zv hvPvB
Gi cwqv mvlRbK wKbv?
DP SzuwKwewk MvnK`i
SuywKi wbwiL AwZwi Z_
(EDD) msMn Kiv nq wK bv?

2.

weGdAvBBD KZK RvixKZ

gvvi mvKzjvii wb`kbv
Abymvi kvLv h_vh_fve
SzuwKi wfwZ Zv`i MvnK`i
kYxwebvm/ kYxKiY Ki
wK?

weGdAvBBD KZK RvixKZ

gvvi mvKzjvii wb`kbv
cwicvwjZ nq wKbv hvPvB
Kib|

3.

DP SzuwKwewk MvnK`i wK aibi Z_ msMn Kiv nq

cqvRbxq AwZwi Z_ msMn Ges Zv h_ wKbv cixv
Kiv nq wK?
Kib|

4.

kvLv wK MvnKi KYC KYC Profile cybtg~jvqb I

Profile wbw` mgq ci ci nvjbvMv` cwZ g~jvqb Kib|
cybtg~jvqbc~eK
nvjbvMv`
Ki _vK?

5.

kvLv Walk-in-Customer`i (fvmgvb/Pj MvnK`i)

(wWwW, wUwU, AbjvBb Rgv
BZvw`) KYC cwqv
AbymiY Ki wK?

AbymZ cwqv weGdAvBBD

KZK RvixKZ gvvi mvKzjvii
mv_ msMwZc~Y wKbv Zv
weePbvc~eK g~jvqb Kib|

cv ge
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4.

5.

Aj/Gwiqv

ckgvjv

mvm weivax
AvBb, 2009
Gi cwicvjb

jb`bi
AbywgZ gvv
(TP) MnY I
gwbUwis

hvPvBqi gvb`

mvm weivax AvBb, 2009

Gi Aaxb
mvm A_vqb
cwZivai j kvLv Kx
aibi KvhKi c`c MnY
KiQ?

1.

wbgv welq mwmvc

b^i c`vb KibRvwZmsNi wbivcv cwil`i
wewfb iRyjykbi AvIZvq
mvm, mvmx Kvh I evcK
asmvZK A wevi A_vqb
RwoZ m`n ZvwjKvfy Kvb
ew ev mv Ges evsjv`k
miKvi KZK ZvwjKvfy Kvb
ew ev wbwl NvwlZ mvi
bvgi ZvwjKv kvLvq msiY I
Z`vbymvi wnmve I jb`b
Kvhg hvPvB Kiv nq wKbv?
kvLv G welqK wbR^ Kvb
Mechanism AbymiY Ki
wKbv?
Gic ew ev mvi bvg kvLvq
cwiPvwjZ wnmvei (hw` _vK)
welq weGdAvBBD K AewnZ
Kiv nq wKbv ?
kvLv wK MvnK`i cKZ b~bZg 10wU wnmvei gwbUwis
jb`b Zv`i NvwlZ TP cwZi bgybv cixv Kib Ges
Gi mv_ mvgmc~Y wKbv Zv Gi KvhKvwiZv hvPvB Kib|
wbgv welq mw mvc
gwbUwis Ki _vK?
b^i c`vb KibMvnKi ckv I Avqi mv_
msMwZc~Yfve
jb`bi
AbywgZ gvv (TP) MnY Kiv nq
wKbv?
NvwlZ AbywgZ gvvi mv_
cKZ jb`b hvPvB Kiv nq
wKbv ?
GKwU wbavwiZ Threshold Gi
wfwZ cwZw`b jb`b gwbUi
Kiv nq wKbv?
kvLvq GKwU wbw` mgq ci ci
bgybv wfwZ MvnKi KYC
Profile G c` Z_i mv_
jb`bi mvgmZv hvPvB Kiv
nq wKbv?

vi
5

cv ge
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6.

Aj/Gwiqv

ckgvjv

hvPvBqi gvb`

vi

2.

kvLv wK e`wkK iwgUmn G aiYi wKQz D`vniY I AwaK

Abvb BbIqvW I AvDUIqvW jb`bKZ wKQz RFCD,
iwgU gwbUwis Ki _vK?
NFCD A/C cixv Kib|
BbIqvW iwgUv msv
jb`b,
chvR
,
weGdAvBBD KZK mgq mgq
mieivnKZ mvmx msMVb/
ewi ZvwjKv hvPvB Kiv nQ
wKbv Zv `Lyb|
GQvovI e`wkK gy`vi jb`b
BAMLCO KZK wK cwZZ
gwbUwis Kiv nQ Zvi
KvhKvwiZv hvPvB Kib|

3.

kvLv wK wbw` mgq ci ci TP chvjvPbv I nvjbvMv` Kiv

TP chvjvPbv I nvjbvMv` nqQ Ggb 10wU bgybv cixv
I Gi KvhKvwiZv hvPvB Kib|
(cqvRb) Ki _vK?
kvLvi KgKZvMY m`nRbK kvLvq m`nRbK jb`b
jb`b wicvU (STR) Reporting Gi Rb Internal
Reporting Mechanism Pvjy
mK AewnZ AvQb wK?
AvQ wKbv? Zv mKj KgKZv
Rvbb wKbv?

kvLvq gvwb jvwis I mvm

A_vqb msv m`nRbK
jb`b wPwZKiYi KvhKi
cwZ Pvjy AvQ wK? G hver
KZjv m`nRbK jb`b
(STR) BAMLCO KZK
CCU Gi wbKU wicvU Kiv
nqQ?

m`nRbK
1.
jb`b wicvU
(STR) I
bM` jb`b
wicvU(CTR)
2.

kvLvq m`nRbK jb`b

msNwUZ nIqv mI hw`
BAMLCO KZK CCU Gi
wbKU Kvb STR bv Kiv nq
_vK Zvnj Zv AmvlRbK
weewPZ ne|
bw_ I wmg cixv Ki
kvLvq STR mbvKiYi Rb
Kvb cwZi ceZb Kiv nqQ
wKbv Zv hvPvB Kib| wbgv
welq mw mvc b^i c`vb
KibkvLvq m`nRbK jb`b
wPwZ Kivi Kvb cwZ
AbymiY Kiv nq wKbv?
kvLv
chvq
wbwKZ
Internal Report h_vh_fve
msiY Kiv nq wKbv?

cv ge
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Aj/Gwiqv

ckgvjv
3.

hvPvBqi gvb`

kvLv KZK h_vh_ I mwVKic GZ`&msv

bw_
cixv
bM` jb`b wicvU (CTR) Kib|(Kgc GK gvmi bM`
jb`b)Kvk iwRvi/weeiYx
Kiv nq wKbv?
nZ cixv Kib Ges Gi
wfwZ H gvm `vwLjKZ
CTR wicvU cixvc~eK
CTR wicvU Gi mwVKZvi
welq g~jvqb Kib|

vi
4

GQvovI K`xqfve CTR

wicvU Kivi kvLvi wbR^
wbR^
CTR wicvU msMnc~eK
gwbUwis Kvhg AevnZ iqQ
wKbv Zv hvPvB Kib|
4.

7.

CCU eivei
weeiYx `vwLj

1.

2.

8.

iKW msiY

1.

2.

9.

AML/CFT 1.
mwKZ kvLvi
mvweK Kvhg

MvnK KZK cybt cybt wicvwUs

mxgvi
bxP
jb`b
(Structuring) kbv Kivi
Kvb cwZ kvLv KZK
cewZZ nqQ wKbv?

GZ`&msv kvLvi c`c

cixvc~eK g~jvqb Kib|
cwZw`bi
jb`b
Structuring kbv Kivi Rb
Kx aibi wicvU generate
Kiv nQ?
kvLv KZK KZwU weeiYx GZ`&msv bw_ cixv Kib|
(CCU eivei `vwLj Kiv nq? wej^ A_ev weeiYx `vwLj bv
kvLv wK h_vmgq weeiYx Kij Zv AmvlRbK weewPZ
ne|
`vwLj Ki?

kvLv KZK wbqwgZfve m GZ`&msv weeiYx cixv

AvmmgU Kiv nq wKbv? Kib| Z_vw` mwVK I cwic~Y
cZKZ weeiYx h_vh_ wKbv? bv nj Zv AmvlRbK
weewPZ ne|
MvnK cwiwPwZ (KYC) Ges 5wU e wnmve cixv Kib|
jb`b mwKZ iKW G gvwb jvwis cwZiva
h_vh_fve msiYi weavb AvBb Gi weavb h_vh_fve
AbymiY Kiv nqQ wKbv hvPvB
AvQ wK?
Kib|
wbqYKvix KZc ev CCU GZ`&msv bw_ cixv Kib|
Gi
Pvwn`v
gvZveK h_vmgq I h_vh_ Z_ mieivn
iKWmg~n mieivn Kiv nq bv Kij Zv AmvlRbK
weewPZ ne|
wK?

kvLvq
AvqvwRZ
mfvi
AvjvPm~wP I kvLv eevcKi
mv_ mvvrKvi Ges G welq
kvLvi cwicvjb Aevi wfwZ
g~jvqb Kib|

kvLv eevcK (BAMLCO

bv nj) gvwb jvwis I mvm
A_vqb cwZiva welqK
Kgm~Px evevqb h_vh_
f~wgKv cvjb Ki wK?

cv ge
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cwiwk - P
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Aj/Gwiqv

ckgvjv
2.

3.

c~ee Zx AfixY I ewnt

wbixv cwZe`b cixvKvj
AML/CFT welqK Kvb
Awbqg I `yejZvi DjL AvQ
wKbv Ges kvLv Kvb
mskvabg~jK eev MnY
KiQ wKbv?
kvLvi
mvweK
Kvhg
mvlRbK wK?

hvPvBqi gvb`

vi

mekl wbixv msv wicvU

cixv Kib Ges wK aibi
mskvabg~jK eev bIqv
nqQ hvPvB Kib|

kvLvi gvwb jvwis I mvm

A_vqb cwZiva msv mvweK
Kvhg Ges kvLv eevcKi
cvidigvi wfwZ g~jvqb
Kib|
gvU

kvLvi mvweK g~jvqb t

vi

iwUs

90+-100

kwkvjx (Strong)

70+-90

mvlRbK (Satisfactory)

55+-70

gvUvgywU fvj (Fair)

40+-55

cvwK (Marginal)

40 I Gi bxP

AmvlRbK (Unsatisfactory)

100

cv ge
vi