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13 Ryb 2021
weAviwcwW mvKz©jvi bs- 12 ZvwiLt -----------------
30 •R¨ô 1428
e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZv©
evsjv‡`‡k Kvh©iZ mKj Zdwmwj e¨vsK

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Avg`vwb cieZ©x A_©vqb (Post Import Financing-PIF) Gi bxwZgvjv cÖm‡½|

Dch©y³ wel‡q 29 gvP© 2018 Zvwi‡L RvwiK…Z weAviwcwW mvKz©jvi bs-03 Gi cÖwZ Avcbv‡`i `„wó AvKl©Y Kiv hv‡”Q|
02| weAviwcwW mvKz©jvi bs-03/2018 Gi gva¨‡g ïaygvÎ wbZ¨ cÖ‡qvRbxq †fvM¨cY¨ Ges wk‡íi KuvPvgv‡ji †ÿ‡Î
LTR/LATR/MTR/MPI BZ¨vw` Gi †gqv` wba©viY Kiv n‡qwQj| wbZ¨ cÖ‡qvRbxq †fvM¨cY¨ ev †UªwWs cY¨, wk‡íi KvuPvgvjmn BZ¨vw`
wewfbœ Lv‡Z Avg`vwb `vq cwi‡kv‡ai wbwgË cÖ`Ë FY myweavmg~n e¨vsKmg~n KZ©…K LTR/LATR/MTR/MPI BZ¨vw` wewfbœ bv‡g AwfwnZ
Kiv nq| D³ FYmg~n‡K mvaviYZ cÖPwjZ e¨vswKs ixwZ‡Z LTR/LATR Ges Bmjvgx e¨vswKs ixwZ‡Z MTR/MPI bv‡g AwfwnZ Kiv
nq| G ch©v‡q, LTR/LATR/MTR/MPI BZ¨vw` F‡Yi †gqv` wba©vi‡Yi cvkvcvwk e¨vsK †f‡` Giƒc F‡Yi msÁv, LvZ I †gqv`,
Aby‡gv`b cÖwµqv, cybM©Vb I cybtZdwmwjKiY, Av`vq I Z`viwK BZ¨vw` wel‡q wb¤œewY©Z wb‡`©kbvmg~n AbymiYxq n‡et
2.1| msÁvt wbZ¨ cÖ‡qvRbxq †fvM¨cY¨ ev †UªwWs cY¨, wk‡íi KvuPvgvjmn BZ¨vw` wewfbœ Lv‡Z Avg`vwb `vq cwi‡kv‡ai wbwgË
cÖ`Ë mKj cÖKvi FY myweavmg~n LTR/LATR/MTR/MPI BZ¨vw` †h bv‡gB AwfwnZ †nvK bv †Kb GmKj FYmg~n evsjvq "Avg`vwb
cieZ©x A_©vqb" Ges Bs‡iRx‡Z "Post Import Financing (PIF)” bv‡g AwfwnZ n‡e|
2.2| LvZ I †gqv`t MÖvn‡Ki Pvwn`v, mswkøó c‡Y¨i cÖK…wZ Ges Drcv`b/wecYb P‡µi mv‡_ m½wZ †i‡L PIF Gi †gqv`
e¨vsKvi-MÖvnK m¤c‡K©i wfwˇZ wba©vwiZ n‡e, Z‡e Giƒc †gqv` wb¤œewY©Z †gqv‡`i AwaK n‡e bvt
K) wbZ¨ cÖ‡qvRbxq †fvM¨c‡Y¨i †ÿ‡Î PIF m„wói ZvwiL n‡Z AbwaK 90 (beŸB) w`b;
L) wk‡íi KuvPvgv‡ji †ÿ‡Î PIF m„wói ZvwiL n‡Z AbwaK 180 (GKkZ Avwk) w`b|
2.3| FY Aby‡gv`bt Post Import Financing (PIF)-mg~n g~jZ FYcÎ (Gjwm) n‡Z m„wó nq weavq PIF-Gi Aby‡gv`‡bi
b¨vq FYcÎ ¯’vc‡bi Aby‡gv`bI GKBfv‡e nIqv mgxPxb n‡e| G‡ÿ‡Î FYcÎ ¯’vcb Ges PIF myweav Aby‡gv`‡bi †ÿ‡Î wb¤œewY©Z welqmg~n
AbymiYxq n‡et
K) G bxwZgvjvq ewY©Z wb‡`©kbvmn evsjv‡`k e¨vsK KZ©„K Bmy¨K…Z †µwWU wi¯‹ g¨v‡bR‡g›U MvBWjvBb, †µwWU †iwUs
msµvšÍ Guidelines on Internal Credit Risk Rating System (ICRRS) Ges GZ`&&msµvšÍ mKj wb‡`©kbv
AbymiYc~e©K FYcÎ (Gjwm) ¯’vcb Ges PIF myweavi Aby†gv`‡bi wbwgË mswkøó e¨vs‡Ki cwiPvjbv cl©` KZ©…K
Aby‡gvw`Z my¯có bxwZgvjv _vK‡Z n‡e|
L) D³ bxwZgvjvq FYcÎ Ges/ev PIF myweav cÖ`v‡bi †¶‡Î cÖ‡hvR¨ Rvgvb‡Zi welqwU my¯cófv‡e D‡jøL _vK‡Z n‡e|
GQvovI Mªvn‡Ki AbyK~‡j FYcÎ ¯’vcb Ges PIF (FYMÖnxZv wfwËK GKK/cyÄxf‚Z) Gi AvIZvq FY Aby†gv`‡bi wbwgË
ÿgZv Ac©‡Yi (Delegation) welqwU my¯cófv‡e D‡jøL _vK‡Z n‡e| A_©vr GKwU wbw`©ó ¯Í‡ii Aby‡gv`bKvix KZ©„cÿ
KZ©„K †Kvb FYMÖnxZvi AbyK~‡j GKK Ges H MÖvn‡Ki AbyK~‡j cÖ`Ë ‡gvU FYcÎ Ges PIF-Gi Aby‡gv`‡bi mxgv
wba©vwiZ _vK‡Z n‡e| Z`vbyhvqx FYcÎ Ges PIF-Gi Aby‡gv`b Kvh© m¤úv`b Ki‡Z n‡e; †Kvbfv‡eB Aby‡gvw`Z mxgvi
AwZwi³ FYcÎ ¯’vcb ev PIF-Gi AvIZvq FY myweav cÖ`vb Kiv hv‡e bv;

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 M) Aby‡gvw`Z mxgvi AvIZvq cÖwZwU FYcÎ ¯’vcb Ges PIF myweav cÖ`v‡bi †ÿ‡Î Aby‡gv`bKvix KZ©…c¶ KZ©„K FYMÖnxZvi
AbyK‚‡j gÄywiK…Z mxgvi AvIZvq FYcÎ Ges/ev PIF cÖ`v‡bi my‡hvM i‡q‡Q wK-bv Zv Avewk¨Kfv‡e hvPvB Ki‡Z n‡e|
A_v©r cÖwZwU FYcÎ ¯’vcb Ges PIF myweav cÖ`v‡bi †ÿ‡Î Aby‡gvw`Z mxgvi AvIZvq FYcÎ Ges/ev PIF-Gi Ae¨eüZ
mxgv _vK‡jB †Kej bZzb FYcÎ Ges/ev PIF myweav cÖ`vb Kiv hv‡e| GQvov FYc‡Îi A_© PIF m„wói gva¨‡g mgš^‡qi
kZ© _vK‡j mswkøó MÖvn‡Ki AbyK‚‡j cÖ`Ë mxgvi AvIZvq PIF cÖ`v‡bi my‡hvM i‡q‡Q wK-bv ev jR‡g‡›Ui mg‡q D³
my‡hvM _vK‡e wK-bv Zv wbwðZ nIqvi cvkvcwk mswkøó FYc‡Îi kZ©vbyhvqx cY¨ Avg`vwb n‡q‡Q g‡g©I wbwðZ n‡Z n‡e;
N) Ae¨eüZ mxgv wnmvevq‡bi †¶‡Î PIF n‡Z D™¢~Z †Kvb FY cybtZdwmwjKiY n‡q †gqvw` F‡Y iƒcvšÍwiZ n‡j D³
FY‡KI PIF wn‡m‡e MY¨ Ki‡Z n‡e| Avg`vwb `vq cwi‡kv‡ai wbwgË FYMÖnxZvi AbyK~‡j †Kvb Kvi‡Y †dvm©W FY m„wó
n‡j H †dvm©W FY‡KI (†h bv‡gB _vKzK bv †Kb) PIF /FYc‡Îi mxgvi AvIZvq cÖ`Ë myweav wn‡m‡e MY¨ Ki‡Z n‡e;
O) †Kvb MÖvn‡Ki AbyK‚‡j cÖ`Ë PIF myweav Overdue n‡j D³ MÖvnK‡K bZzb PIF myweav †`Iqv hv‡e bv| Z‡e wbqš¿Y
ewnf©~Z †Kvb Kvi‡Y PIF myweav Overdue n‡j †Ljvwc nIqvi c~e© ch©šÍ H MÖvn‡Ki AbyK‚‡j bZzb PIF myweav †`Iqvi
cÖ‡qvRb n‡j e¨vs‡Ki cwiPvjbv cl©` KZ©„K Zv Aby‡gvw`Z n‡Z n‡e;
P) GKB MÖæcfz³ ev ¯^v_©-mswkøó cÖwZôv‡bi g‡a¨ µq-weµ‡qi †ÿÎmn ¯’vbxq FYc‡Îi wecix‡Z PIF myweav cÖ`vb Kiv
hv‡e bv|
2.4| cybM©Vb I cybtZdwmwjKiY t wbqš¿Y ewnf©~Z †Kvb Kvi‡Y PIF myweav cybM©Vb I cybtZdwmwjKiY cÖ‡qvRb n‡j
wb¤œewY©Z welqmg~n AbymiYxq n‡et
K) PIF myweav cybM©Vb (Restructure) ev †gqv` e„w×i ‡ÿ‡Î Gi h_v_©Zv hvPvBc~e©K µwgK bs-2.2-G DwjøwLZ †gqv`
cwiPvjbv cl©‡`i Aby‡gv`b mv‡c‡¶ cÖwZwU PIF Gi Rb¨ m‡e©v”P GKev‡ii Rb¨ wb‡¤œv³fv‡e e„w× Kiv hv‡et
1) wbZ¨ cÖ‡qvRbxq †fvM¨c‡Y¨i †ÿ‡Î m‡e©v”P 30(wÎk) w`b;
2) wk‡íi KuvPvgv‡ji †ÿ‡Î m‡e©v”P 60(lvU) w`b;
Giƒc †gqv` e„w×i c~‡e© †gqv` e„w×i h_v_©Zv hvPvB‡qi †¶‡Î c‡Y¨i Seasonality, Nature of Trading BZ¨vw`
welq cÖvavb¨/AMÖvwaKvi w`‡Z n‡e| ZvQvov c‡Y¨i Physical Verification K‡i wbwðZ n‡Z n‡e cY¨ AwewµZ
Ae¯’vq FYMÖnxZvi wbqš¿‡Y i‡q‡Q Ges D³ cY¨ gRyZ Kivi D‡Ï‡k¨ †gqv` e„w× Kiv n‡”Q bv;
L) wbqš¿Y ewnf©‚Z †Kvb Kvi‡Y PIF cybtZdwmwjKiY (Rescheduling) cÖ‡qvRb n‡j e¨vsKvi-MÖvnK m¤c‡K©i wfwˇZ
cybtZdwmwjKiY bxwZgvjv Abyhvqx cwiPvjbv cl©‡`i Aby‡gv`b-mv‡c‡ÿ cybtZdwmwjKiY Kiv †h‡Z cv‡i| Z‡e G‡¶‡Î
GKvwaK PIF myweav GKxf~Z K‡i cybtZdwmwjKiY (Reschedule) Kivi †ÿ‡Î cÖwZwU PIF-‡K Avjv`vfv‡e wPwýZ
Kiv hvq Ggb cÖ‡qvRbxq Z_¨ (Sanction date, Nature, Limit, Purpose, Sanctioning authority etc) I
`wjjvw` cybtZdwmwjKiY cÖ¯Ív‡ei mv‡_ `vwLj I fwel¨‡Zi Rb¨ msiÿY Ki‡Z n‡e Ges D³ FYmg~n RvgvbZ Øviv
Ave„Z Ki‡Z n‡e|
2.5| PIF Av`vq I Z`viwKt PIF Gi AvIZvq weZiYK…Z F‡Yi Av`vq Kvh©µg Z¡ivwš^Z Kivmn GZ`&&msµvšÍ Kvh©µg
myôzfv‡e Z`viwK Kivi j‡ÿ¨ wb¤œewY©Z welqmg~n AbymiYxq n‡et
K) FYcÎ ¯’vcbmn PIF Gi AvIZvq FY cÖ`vb, FY Av`vq I Z`viwK Kivi Rb¨ ÔPIF Monitoring Unit’ bv‡g
Avjv`vfv‡e GKwU we‡kl BDwbU MVb Ki‡Z n‡e| D³ BDwb‡U A_© FY Av`vjZ AvBbmn e¨vswKs AvBb-Kvbyb I
•e‡`wkK evwYR¨ welqK wewa-weavb m¤ú‡K© AwfÁ Ges FY Av`v‡qi †KŠkj m¤ú‡K© `ÿ Rbej c`vqb Ki‡Z n‡e| G
BDwb‡Ui Kvh©µg wbqwgZfv‡e Z`viwK Kivi j‡ÿ¨ GKRb Dc-e¨e¯’vcbv cwiPvjK‡K `vwqZ¡ w`‡Z n‡e;
L) ÔPIF Monitoring Unit’ FYcÎ-mn PIF Gi AvIZvq FY Aby‡gv`b I weZi‡Y we`¨gvb wewa-weavb h_vh_fv‡e
cwicvwjZ n‡”Q wK bv Zv wbqwgZfv‡e Z`viwK Ki‡e| G‡ÿ‡Î †Kvb Awbqg wPwýZ n‡j Zv ZvrÿwYKfv‡e h_vh_
KZ©„cÿ eive‡i Dc¯’vcb Ki‡e;
M) e¨vs‡Ki Af¨šÍixY wbix¶v wefvM KZ…©K FYcÎmn PIF mswkøó Kvh©µg •ÎgvwmK wfwˇZ A_ev cÖ‡qvR‡b †h †Kvb mgq
wbixÿv Ki‡Z n‡e| GQvovI ÔPIF Monitoring Unit’ KZ©„K Giƒc Kvh©µg wbqwgZfv‡e Z`viwK Ki‡Z n‡e;
N) e¨vsK KZ©…K ewntwbix¶K cÖwZôvb wb‡qv‡Mi mgq e¨vs‡Ki cl©` KZ©…K wba©vwiZ Uvg©m Ae †idv‡i‡Ý FYcÎ Ges/ev PIF
msµvšÍ wel‡q mvgwMÖK Z_¨ (Awbqg wPwýZ KiZ Zv D‡jøLmn) AšÍ©fz³ Kivi kZ© ms‡hvRb Ki‡Z n‡e;

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 O) cÖwZwU e¨vs‡Ki ‡gqv‡`vËxY©/‡kÖwYK…Z PIF Ges †gqvw` F‡Y iƒcvšÍwiZ PIF Av`v‡qi j‡ÿ¨ mywbw`©ó Kg©cwiKíbv _vK‡Z
n‡e| D³ Kg©cwiKíbv Abyhvqx PIF Av`v‡qi Z_¨vw` ÔPIF Monitoring Unit’ KZ©„K wbqwgZfv‡e ch©v‡jvPbv Ki‡e
Ges Av`vq-AMÖMwZi Z_¨vw`mn (L), (M) Ges (N) bs µ‡g DwjøwLZ wel‡q (hw` _v‡K) •ÎgvwmK wfwˇZ cl©`xq wi¯‹
g¨v‡bR‡g›U KwgwU eive‡i Dc¯’vcb Ki‡Z n‡e; cl©`xq wi¯‹ g¨v‡bR‡g›U KwgwUÕi ch©‡eÿYmn •ÎgvwmK wfwˇZ
GZ`&wel‡q mvwe©K Z_¨vw` cwiPvjbv cl©‡` Dc¯’vcb Ki‡Z n‡e| cwiPvjbv cl©‡`i gZvgZmn GZ`&&msµvšÍ Z_¨vw` cl©`
mfvi 10 Kg©w`e‡mi g‡a¨ evsjv‡`k e¨vs‡Ki weAviwcwWÕi Uv¯‹‡dvm© †mj Ges wWcvU©‡g›U Ae Ad-mvBU mycviwfkb-G
†cÖiY Ki‡Z n‡e;
P) PIF-mg~n Zjwe FYfz³ weavq wmGj-3 G wi‡cvU© Ki‡Z n‡e;
Q) Avg`vwb `vq cwi‡kv‡ai wbwgË FYMÖnxZvi AbyK~‡j †Kvb wbqš¿Y ewnf©zZ Kvi‡Y †dvm©W FY m„wó n‡j H †dvm©W FY‡K
Aek¨B Forced Loan-PIF wn‡m‡e †÷U‡g›U Ae A¨v‡dqv‡m© ¯^Zš¿fv‡e cÖ`k©b Ki‡Z n‡e Ges Forced Loan-PIF
wn‡m‡e wmGj-3 †Z wi‡cvU© Ki‡Z n‡e;
R) PIF myweav cybtZdwmwjKi‡Yi ci †gqvw` F‡Y iƒcvšÍwiZ n‡j wmGj-4 G wi‡cvU© Ki‡Z n‡e Ges RSDL(1/2/3)-
PIF bv‡g D‡jøL Ki‡Z n‡e;
S) wbqwgZ ÷K wi‡cvU© msMÖn KiZ Amgwš^Z GjwUAvi w¯’wZi mv‡_ Am½wZ cwijwÿZ n‡j Avg`vwbKvi‡Ki weiæ‡× e¨vsK
KZ…©K AvBwb e¨e¯’v MÖnY Ki‡Z n‡e|

03| G wb‡`©k Awej‡¤^ Kvh©Ki n‡e| e¨vsK †Kv¤úvbx AvBb, 1991 Gi 45 avivq cÖ`Ë ÿgZve‡j G wb‡`©kbv Rvwi Kiv n‡jv|

Avcbv‡`i wek^¯Í,

(‡gvt Avjx AvKei divRx)

gnve¨e¯’vcK
‡dvbt 9530252

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