Nostro Accounts

Avcbvi mv‡_ Avgv‡`i wnmve| evsjv‡`‡ki AB Bank, Citibank N.A wbDBq‡K©i mv‡_ gvwK©b
Wjv‡i GKwU Nostro wnmve cwiPvjbv K‡i| GB wnmve‡K AB Bank Nostro wnmve bv‡g
†`Lv‡e A_©vr ÕAvcbvi mv‡_ Avgv‡`i wnmveÕ e‡j AwfwnZ Ki‡e| evsjv‡`‡k †Kv‡bv e¨vs‡Ki UvKv
we‡`kx e¨vs‡K _vK‡j Zv‡K Nostro Accounts e‡j|

Vostro Accounts

Avgv‡`i mv‡_ Avcbvi wnmve| Avevi Citibank N.A wbDBqK© GB wnmvewU‡K AB e¨vs‡Ki wnmve
A_©vr ÕAvgv‡`i mv‡_ Avcbvi wnmveÕ| we‡`kx †Kv‡bv e¨vs‡Ki UvKv evsjv‡`‡ki †Kv‡bv e¨vs‡K
_vK‡j Zv‡K Vostro Accounts e‡j|

Proforma Invoice

we‡µZv KZ©„K cÖ¯‘ZK…Z GK ai‡bi †Kv‡Ukb| cb¨ weµ‡qi c~‡e© we‡µZv gvjvgv‡ji hveZxq weeib
†hgbt gvjvgv‡ji aib, g~j¨, †Wwjfvix Uvg©, †c‡g›U Uvg©, D‡jøwLZ `‡ii †gqv`, weµq kZ© BZ¨vw`
D‡jøLc~e©K †µZvi wbKU GB †Kv‡Ukb ¯^vÿi c~e©K n¯ÍvšÍi Kiv nq| D‡jøwLZ `i Ges k‡Z© †µZv
cb¨ µ‡q m¤§Z n‡j Zv MÖnb (Accept) c~e©K ¯^vÿi K‡i| `yÕc‡ÿi m¤§wZ Ges ¯^vÿ‡ii d‡j GwU
Pzw³‡Z cwibZ nq| AZci †µZv GB †Kv‡Ukb e¨vs‡K Rgv †`q Ges e¨vsK GwUi wfwˇZ Gjwm
Bmy¨ K‡i|
Bill of exchange
GwU‡K Financial Documents I ejv nq| idZvbxKviK KZ…©K GwU cÖ¯‘ZK…Z Ges GwU
Avg`vbxKviK‡K A_© cwi‡kv‡ai wb‡`©k enb K‡i| GZ wZbwU cÿ _v‡K †hgbt-
 Wªqvi A_v©r cÖ¯‘ZKviK (idZvbxKviK)
 Wªqx A_©vr hvi Dci cwi‡kv‡ai Av‡`k i‡q‡Q (mvavibZ Avg`vbxKviK)
 ‡cqx A_©vr hv‡K cwi‡kva Ki‡Z ejv n‡”Q (e¨vsKvi)

Bill of Lading
AvšÍRv©wZK evwb‡R¨ e¨eüZ wewfbœ ai‡bi Bill of Lading RvnvR †Kv¤úvbxmg~n KZ…©K Bmy¨ n‡Z
†`Lv hvq| Avg`vbxKvi‡Ki ¯^v_© iÿv‡_© Bmy¨Kvix e¨vsK memgq Clean Bill of Lading Bmy¨ Kivi
Rb¨ FYc‡Î kZ© Av‡ivc K‡i _v‡K|
Commercial Invoice

Pjgvb cvZv 1, ‡gvU cvZv 8

gvjvgvj weµ‡qi ci ev RvnvRxKi‡bi ci ißvbxKviKMb KZ©„K GwU Bmy¨ Kiv nq| GLv‡b
gvjvgv‡ji eY©bv, g~j¨, ZvwiL, †µZv I we‡µZvi bvg, wVKvbv, BZ¨vw` ewY©Z _v‡K| GQvov
†Wwjfvix kZ©, g~j¨ cwi‡kv‡ai kZ©, GBP.Gm,‡KvW b¤^i BZ¨vw`I D‡jøL Kiv nq| gvjvgvj
QvoKi‡bi mgq Kv÷gm KZ…©c‡ÿi wbKU GwU Dc¯’vcb Kivi cÖ‡qvRb nq| GwU mvavibZt
ißvbxKviK KZ…©K †µZvi AbyK~‡j cÖ¯‘ZK…Z Ges ¯^vÿwiZ n‡q _v‡K| Z‡e UCP-600 Abyhvqx GwU
¯^vÿwiZ nIqv eva¨Zvg~jK bq| wKš‘ Gjwm‡Z ¯^vÿwiZ n‡Z n‡e D‡jøL _vK‡j ißvbxKviK Zv‡Z
Ae¨kB ¯^vÿi Ki‡eb|
Packing Credit

GwU e¨vsK KZ„©K ißvbxKviK‡`i‡K cÖ`vbK…Z GK ai‡bi wcÖ-wkc‡g›U dvBb¨vÝ| cb¨ we‡`‡k
ißvbxi c~‡e© cÖwµqvRvZKib m¤úbœ Kiv, c¨vwKs msµvšÍ hveZxq e¨q Ges cY¨ RvnvRxKib ch©šÍ
LiP wbe©v‡ni Rb¨ bM` A‡_©i †hvMvb w`‡ZB e¨vsK KZ…©K Zvi ißvbxKviK MÖvnK‡`i‡K GB FY
myweav cÖ`vb Kiv nq| cieZ©x‡Z we‡`k †_‡K cÖZ¨vevwmZ ißvbx g~j¨ n‡Z GB FY m¤^bq Kiv nq|
Gi wecix‡Z e¨vsK ißvbx F‡Yi Rb¨ cÖ‡hvR¨ nv‡i my` Av`vq K‡i _v‡K|
Packing Note/List

c‡Y¨i IRb, c¨vwKs cÖwµqv, c¨vwKs msL¨v BZ¨vw` hveZxq weeib m¤^wjZ ZvwjKv, hv ißvbxKviK
KZ…©K ißvbxi c~‡e© cÖ¯‘Z Kiv nq|
LIM (Loan against Imported Merchandise)

GwU e¨vsK KZ…©K Avg`vbxKviK‡K cÖ`Ë ¯^íKvjxb Avg`vbx DËi FY| Avg`vbxK…Z cb¨ Kv÷gm
†_‡K QvoKi‡bi mgq wWDwU ev ïé cwi‡kva Ki‡Z nq| wKš‘ Znwej ¯^íZvi `iæb
Avg`vbxKviKMb hLb GB wWDwUi A_© ms¯’vb Ki‡Z Amg_© nq, ZLb e¨vs‡Ki wbKU Av‡e`b K‡i|
e¨vsK Zvi MÖvn‡Ki wnmv‡e LIM m„wóKiZt Kv÷gm wWDwU cwi‡kva K‡i| Kv÷gm †_‡K Qvo
Kiv‡bv cb¨ †MvWvD‡b ivLv nq| cieZ©x‡Z †MvWvDb †_‡K cb¨ †ei K‡i wewµ Kiv nq Ges wewµi
A_© Øviv e¨vs‡Ki `vq cwi‡kva Kiv nq| LIM `yB ai‡bi n‡Z cv‡i| GKwU m„wó nq e¨vsKvi- MÖvnK
mg‡SvZvi gva¨‡g, G‡K Arranged LIM ejv nq| Ab¨wU e¨vsK m„wó Ki‡Z eva¨ nq, G‡K
Forced LIM ejv nq| Avg`vbxKviK hLb Kv÷gm ‡_‡K gvjvgvj Qvo Ki‡Z m¤§Z nq bv, ZLb
e¨vsK eva¨Zvg~jK LIM m„wó c~e©K gvjvgvj Qvo Kwi‡q weKí †µZvi wbKU D³ cb¨ wewµ K‡i|
evwbwR¨K D‡Ï‡k¨ Avg`vbxK…Z c‡b¨i wecix‡Z m„ó LIM 45 w`‡bi g‡a¨ mgš^q Ki‡Z nq| Avi
wk‡í e¨env‡ii Rb¨ Avg`vbxK…Z c‡b¨i wecix‡Z m„ó LIM 60 w`‡bi g‡a¨ mgš^q Ki‡Z nq| LIM
Gi wecix‡Z e¨vsK evwbwR¨K nv‡i my` Av`vq K‡i _v‡K|

Pjgvb cvZv 2, ‡gvU cvZv 8

Trust Receipt

GwU GK ai‡bi Avg`vbx FY| Avg`vbxK…Z c‡b¨i wecix‡Z Kv÷gm KZ…©cÿ‡K ïé cwi‡kva Ki‡Z
nq| bM` A‡_©i ms¯’vb Ki‡Z e¨_© n‡q †Kvb †Kvb mgq Avg`vbxKviK e¨vsKvi‡K D³ ïé (wWDwU)
cwi‡kva K‡i gvjvgvj Qvo Kivi e¨e¯’v wb‡Z Aby‡iva Rvbvq| e¨vsKvi Zvi MÖvn‡Ki wbKU †_‡K
GKwU Trust Receipt ev ¯^xK…wZcÎ ev gyP‡jKv MÖnbc~e©K Avg`vbxKvi‡Ki c‡ÿ wWDwU ev ïé
cwi‡kva K‡i cb¨ e›`i n‡Z Qvo Kivq| QvoK…Z cb¨ ¸`v‡g msiÿb Kiv nq| ¸`vg n‡Z cb¨ †ei
K‡i weµq K‡i Zv Avg`vbxKviK KZ…©K e¨vs‡Ki `vq †kva Kiv nq| mvavibZt e¨vs‡Ki `xN© w`‡bi
cyi‡bv I wek¦¯Í MÖvnK†`i‡KB GwU cÖ`vb Kiv nq| GwU A‡bKUv wmwm nvB‡cv Gi Abyiƒc| GLv‡b
gvjvgv‡ji Dci e¨vs‡Ki mivmwi KZ„©Z¡ _v‡K bv| Trust A_v©r wek¦vmB GLv‡b g~j wfwË| ZvB
GwU‡K Loan against Trust Receipt (LTR) ejv nq| LTR mgš^qKv‡j e¨vsK MÖvn‡Ki wbKU
n‡Z evwbwR¨K nv‡i my` Av`vq K‡i _v‡K| LTR/TR m‡e©v”P 90 w`‡bi g‡a¨ mgš^q Ki‡Z nq|
LIM Ges LTR Gi g‡a¨ g~j cv_©K¨ n‡”Q- LIM Gi gvjvgv‡ji Dci e¨vs‡Ki m¤ú~b© wbqš¿b _v‡K |
wKšÍy LTR/TR Gi gvjvgv‡ji Dci e¨vs‡Ki wbqš¿b _v‡K bv|

PAD (Payment against documents)

e¨vsK KZ…©K Avg`vbxKvi‡Ki AbyK~‡j m„ó GwU GKwU Import Funded Finance|
idZvbxKvi‡Ki e¨vsK n‡Z cÖvß (In order) Sight wejmg~n Bmy¨Kvix e¨vsK KZ…©K WKz‡g›U MÖn‡bi
m‡e©v”P 3 w`‡bi g‡a¨ PAD Lv‡Z jR‡g›U Ki‡Z nq| ‰e‡`wkK gy`ªv‡K B.C. Selling rate Øviv
†`kxq UvKvq iƒcvšÍi K‡i †iwRóv‡i bw_fz³ Kiv nq| GB LvZwU e¨vs‡Ki wbR¯^ GKwU LvZ| FYcÎ
†h‡nZz Bmy¨Kvix e¨vs‡Ki A_© cwi‡kv‡ai A½xKvi, ZvB e¨vsK GB PAD LvZ †WweUKiZt we‡`kx
e¨vs‡Ki wej g~j¨ cwi‡kva K‡i| cieZ©x‡Z MÖvn‡Ki wbKU ‡_‡K A_© Av`vq c~e©K GB LvZ mgš^q
Kiv nq| PAD LvZ mgš^qKv‡j Gi ¯’vqxZ¡ mg‡qi Rb¨ e¨vsK MÖvn‡Ki wbKU †_‡K evwbwR¨K nv‡i
my` Av`vq K‡i _v‡K|

IFBC (Inward Foreign Bills for Collection)

GwU‡KI GKwU Avg`vbx A_©vqb ejv †h‡Z cv‡i| Z‡e Zv Ae¨kB Non-funded|
Avg`vbxKvi‡Ki Av‡e`‡bi †cÖwÿ‡Z †Lvjv Gjwmi wecix‡Z idZvbxKviK ev Zvi e¨vsK KZ…©K
Kv‡jKkb wfwˇZ †cÖwiZ †WdvW© Gjwmi wecix‡Z wej Ges e¨vK Uz e¨vK Gjwmi wecix‡Z ‡cÖwiZ

Pjgvb cvZv 3, ‡gvU cvZv 8

BD‡RÝ wej mg~n Bmy¨Kvix e¨vsK ev Avg`vbxKvi‡Ki e¨vsK IFBC †iwRóv‡i jR‡g›U K‡i Gw›Uª
†`q| Avg`vbxKvi‡Ki wbKU †_‡K Gme we‡ji wecix‡Z M„wnZ m¤§wZi (Acceptance) wfwˇZ
Zvi e¨vsK mieivnKvixi e¨vsK-‡K GB g‡g© AewnZ K‡i †h, wejwU Zv‡`i wbKU MÖnb‡hvM¨ n‡q‡Q
Ges we‡ji cwic° Zvwi‡L (Maturity date) wej g~j¨ cwi‡kva Kiv n‡e| cieZ©x‡Z,
Avg`vbxKviK †Kvb Kvi‡b D³ we‡ji g~j¨ cwi‡kva Ki‡Z Aÿg n‡j ev B”QvK…Z fv‡e cwi‡kva bv
Ki‡j Gjwm Bmy¨Kvix e¨vsK D³ wej g~j¨ wWgvÛ †jvb m„wó K‡i cwi‡kva Ki‡Z eva¨ nq| Gfv‡e
IFBC cÖ_gZt Non-funded n‡jI cieZ©x‡Z Zv Funded financing G iƒcvšÍwiZ n‡Z cv‡i|

Issuing Bank

‡h e¨vsK Av‡e`bKvixi Aby‡iv‡ai †cÖwÿ‡Z FYcÎ Bmy¨ K‡i Zv‡K Issuing Bank e‡j| A_v©r cb¨
†µZvi Av‡e`‡bi ‡cÖwÿ‡Z Zvi †`‡ki ‡h e¨vsK FYcÎ Lyj‡Z m¤§Z nq, Zv‡K Issuing Bank
e¨vsK e‡j|
Advising Bank
‡h e¨vsK Bmy¨Kvix e¨vsK Gi Aby‡ivaµ‡g FYcÎwU GWfvBm K‡i| Bmy¨Kvix e¨vsK FYcÎ Bmy¨ K‡i
mivmwi Advising Bank Gi wbKU Zv †cÖib K‡i| Advising Bank Ges Issuing Bank Gi
g‡a¨ c~‡e©B Agency arrangement Gi gva¨‡g m¤úK© cÖwZwôZ n‡q _v‡K| GB m¤úK©‡K
Correspondent relationship ejv nq| G m¤úK© bv _vK‡j Advising Bank KL‡bv
Issuing Bank Gi FYcÎ MÖnb ev Advice Ki‡e bv| G‡ÿ‡Î Advising Bank Bmy¨Kvix
e¨vs‡Ki Agent wn‡m‡e f~wgKv cvjb K‡i _v‡K|

Confirming Bank
FYc‡Îi wecix‡Z Bmy¨Kvix e¨vs‡Ki A_© cwi‡kv‡ai A½xKvi QvovI ‡h Z…Zxq e¨vsK
idZvbxKviK‡K A_© cwi‡kv‡ai AwZwi³ wbðqZv cÖ`vb K‡i, Zv‡K Confirming Bank ejv nq|

Nominated Bank
ißvbxKviK KZ…©K WKz‡g›Um Rgv †`Iqvi Rb¨ Bmy¨Kvix e¨vsK ißvbxKvi‡Ki †`‡ki †h e¨vs‡Ki bvg
FYcÎ D‡jøL K‡i Zv‡K Nominated Bank e‡j|

Remburshing Bank

Pjgvb cvZv 4, ‡gvU cvZv 8

G e¨vsKwU Bmy¨Kvix e¨vs‡Ki G‡R›U wn‡m‡e KvR K‡i| Bmy¨Kvix e¨vsK KZ…©K ÿgZvcÖvß n‡q Zv‡`i
Nostro A/C †WweU KiZt G e¨vsKwU †b‡Mvwk‡qwUs e¨vsK ev Claimining Bank Gi `vexi
†cÖwÿ‡Z Zv‡`i †K cybtf©ib cÖ`vb K‡i _v‡K|

Transferring Bank
FYc‡Î Transferable kãwUi D‡jøL _vK‡j Zv‡K Transfer LC e‡j| cÖ_g †ewbwdwmqvixi
Aby‡iv‡a †h e¨vsK G ai‡bi Gjwm wØZxq †ewbwdwmqvixi AbyK~‡j K‡i, Zv‡K Transfer e‡j|

The Applicant
c‡Y¨i †µZvB cÖ_g Zvi e¨vs‡K FYcÎ †Lvjvi Rb¨ Av‡e`b Ki‡eb| UCP-600 Abyhvqx c‡b¨i
†µZv‡K The Applicant wn‡m‡e e¨³ Kiv nq|

The Beneficiary
c‡Y¨i we‡µZv ev idZvbxKviK ev mieivnKvix‡K Beneficiary wn‡m‡e e¨³ Kiv n‡q‡Q| Gi
AbyK~‡j Bmy¨Kvix e¨vsK FYcÎ Bmy¨ K‡i _v‡K|

Back to Back LC
ißvbxKviKMb we‡`k †_‡K †hme Export LC/ Master LC ‡c‡q _v‡Kb, Zvi wecix‡Z cb¨
ißvbx Kivi wbwg‡Ë KvPuvgvj msMÖn Kivi Rb¨ cybivq Av‡iv GKvwaK Avg`vbx Gjwm †Lvjvi cÖ‡qvRb
nq| Export LC †K e¨vs‡Ki wbKU wj‡qb †i‡L Zvi wecix‡Z KvPuvgvjmsMÖ‡ni D‡Ïk¨ Gjwm †Lvjv
nq e‡j G‡K Back to Back LC ejv nq|

Sight:
Sight wej Gi wecix‡Z ZvrÿwbK A_© cwi‡kva eySv‡bv nq| †hme FYc‡Îi wecix‡Z †ewbwdwmqvix
KZ…©K mg¯Í kZ©vw` cwicvjb c~e©K h_vh_fv‡e WKz‡g›Um Dc¯’vwcZ nIqv gvÎ wejg~j¨ cwi‡kva Kiv
nq, Zv‡K Available by Sight ejv nq|

Deferred
Deferred wej cwic° (Maturiry date) Zvwi‡L cwi‡kva eySv‡bv nq| ‡hme Gjwmi wecix‡Z
†ewbwdwmqvix‡K wbw`©ó mgq ci wej g~j¨ cwi‡kva Kiv n‡e kZ© Av‡ivwcZ _v‡K Zv‡K Available
by Deferred Payment ejv nq| D`vnib ¯^iƒc ejv hvq, Gjwm‡Z hw` kZ© _v‡K †h, WKz‡g›Um
Dc¯’vc‡bi 90 w`b ci A_ev wej Ae †jwWs Gi ZvwiL †_‡K A_v©r gvjvgvj RvnvRxKi‡bi ZvwiL

Pjgvb cvZv 5, ‡gvU cvZv 8

†_‡K 180 w`b ci wej g~j¨ cwi‡kva Kiv n‡e, Z‡e GwU GKwU Deferred Payment LC| Z‡e
kZ© _v‡K †h, WKz‡g›Um Dc¯’vcb Ae¨kB cwicvjbK…Z n‡Z n‡e|

Usance
Usance we‡ji wecix‡Z Bill of Exchange FYc‡Îi Av‡e`bKvix KZ…©K MÖnb ev Acceptance
cÖ`vb Ges wbw`©ó Zvwi‡L g~j¨ cwi‡kva eySv‡bv nq| G ai‡bi kZ© m¤^wjZ Gjwmi wecix‡Z
Negotiating Bank/ Nominated Bank †ewbwdwmqvix Gi Dci Wª-K…Z Usance WªvdU
ˆZwi K‡i _v‡K| Gjwm-‡Z D‡jøwLZ kZ©vbyhvqx fwel¨‡Z †Kvb Zvwi‡L wej g~j¨ cwi‡kv‡ai Rb¨
Acceptance cÖ`vb Kiv nq| G †ÿ‡Î †h Nominated Bank mieivnKvix‡K Acceptance
cÖ`vb K‡i, Zv‡K Accepting Bank-I e¨vsK ejv nq| Usance WªvdU¸‡jv mvavibZt 30, 60,
90, 120 ev 180 w`b †gqv`x n‡q _v‡K| Avgv‡`i †`‡k e¨vK Uz e¨vK Gjwmi wecix‡Z GwUi
e¨envi n‡q _v‡K|

ev&B-gyivevnvt
Bmjvgx e¨vsK¸‡jv †µZvi Av‡`‡ki wfwˇZ e¨vsK cb¨ mvgMÖx µq K‡i µqg~‡j¨i Dci jvf hy³
K‡i Zv MÖvn‡Ki wbKU weµq Kiv‡K gyivevnv wewb‡qvM e‡j| GB wewb‡qvM c×wZ‡Z e¨vsK MÖvn‡Ki
wbKU jv‡f bM‡` cb¨ weµq K‡i|

ev&B-gyqv¾vjt
evBgyqv¾vj c×wZ‡Z wewb‡qvM Kiv n‡j gvjvgvj MÖvn‡Ki `L‡j _v‡K| GB c×wZ‡Z MÖvn‡Ki c‡ÿ
gvjvgvj e¨vs‡Ki bv‡g µq Kiv nq Ges c‡i gvjvgvj evKx‡Z MÖvn‡Ki wbKU weµq Kiv nq| MÖvnK
gvj weµq K‡i wewb‡qvM wnmv‡e e¨vs‡K Rgv w`‡”Q wKbv Zv Z`viwK Ki‡Z n‡e Ges GK eQi ev
wba©vwiZ mg‡qi g‡a¨ UvKv Av`v‡qi Rb¨ mvwe©K e¨e¯’v MÖnb Ki‡Z n‡e|

evB mvjvg t
evB mvjvg k‡ãi A_© AMÖxg g~j¨ cÖ`vb| G c×wZ‡Z †µZv KZ©„K gv‡ji g~j¨ we‡µZv‡K AMÖxg
cwi‡kva Kiv nq| evB mvjvg wewb‡qv‡Mi Ab¨Zg welq n‡”Q Pzw³| Pzw³c‡Îi wfwˇZB cb¨
Drcv`b I mieivn Kiv nq| ZvB evB mvjv‡gi Pzw³ Abyhvqx c‡b¨I bvg, ¸bMZgvb gvb, g~j¨,
cwigvb D‡jøL _vK‡Z n‡e| K…wl mvgMÖxi †ÿ‡Î †ekx cÖ‡hvR¨|

Pjgvb cvZv 6, ‡gvU cvZv 8

BmwZmbv t
BmwZmbv n‡jv †Kvb wbw`©ó cb¨ Drcv`b ev wbg©vb K‡i weµ‡qi Pzw³, hv‡Z Drcv`bKvix ev wbgv©Zv
KZ©„K D³ cb¨ ˆZix ev wbg©v‡bi ci MÖvnK‡K mieivn Kivi eva¨evaKZv _v‡K|

gykvivKvt
gykvivKvi A_© Askx`vwiZ¡| `yB ev Z‡ZvwaK e¨w³ ev cÖwZôv‡bi g‡a¨ Askx`vwi‡Z¡i wfwˇZ&B †Kvb
KvieviB n‡jv gykvivKvi Kvievi| Kviev‡i jvf n‡j Askx`viMb Pzw³‡Z D‡jøwLZ Abycv‡Z Zv fvM
K‡i †bq, Z‡e †jvKmvb n‡j wbR wbR cuywRi AvbycvwZK nv‡i †m †jvKmvb enb K‡i|

gy`vivevt
gy`vivev k‡ãi A_© c`vNvZ Kiv, Pjv‡div Kiv,wePib Kiv BZ¨vw`| gy`vivev GK cÖKvi Askx`vwi
Kvievi| G c×wZ‡Z GKcÿ g~jab mieivn K‡i Ges Acicÿ ¯^xq kÖg,mgq I AwfÁZv w`‡q
mivmwi e¨emv cwiPvjbv K‡i Ges Pzw³i wfwˇZ gybvdvq Askx`vwiZ¡ jvf K‡i| wKš‘ e¨emvq
†jvKmvb n‡j g~jab mieivnKvixi Dci eZ©vq|

GgAvBwe (gyivevnv Bg‡cvU© wej)t

GjwmK…Z cb¨ mvgMÖxi WKz‡g›U †hgbt wej Ae †jwWs, mvwU©wd‡KU Ae AwiwRb, ¯^vÿwiZ Pvjvb,
Z_v Gjwm‡Z D‡jøwLZ kZ© Abyhvqx mKj WKz‡g›U e¨vs‡Ki wbKU †cŠuQv‡j e¨vsK jR‡g›U bw_fz³
K‡i| Gici GgAvBwe c×wZ‡Z MÖvnK‡K wewb‡qvM cÖ`vb Kiv nq| ZvB G c×wZ‡Z e¨vsK gvjvgvj
†cŠuQvi c~‡e©B we‡ji wecix‡Z c‡b¨i g~j¨ cwi‡kva Kiv nq|

 evsjv‡`‡k cÖPwjZ mKj Zjex e¨vsKmg~n Zv‡`i †gvU Zjex I †gqv`x `v‡qi 6.00%
wØmvßvwnK Mo wfwˇZ Ges 5.50% ˆ`wbK wfwˇZ evsjv‡`k e¨vs‡K bM` Rgv (CRR)
wn‡m‡e msiÿb Ki‡Z nq|

 evsjv‡`‡k e¨vs‡K bM` Rgvmn evsjv‡`‡k mn‡R wewbgq‡hvM¨ m¤ú` (SLR) msiÿ‡bi
cwigvb Zv‡`i †gvU Zjex I ‡gqv`x `vq Gi 19% Gi Kg n‡e bv Ges Bmjvgx kixqvn
wfwËK e¨vsK I cÖPwjZ avivi e¨vsK¸‡jvi Bmjvgx e¨vswKs kvLv/ DB‡Ûvmg~‡ni Rb¨ mn‡R
wewbgq‡hvM¨ m¤ú` (SLR) msiÿ‡bi cwigvb Zv‡`i †gvU Zjex I †gvU †gqv`x `v‡qi
11.50% Gi Kg n‡e bv|
Pjgvb cvZv 7, ‡gvU cvZv 8
 Components of Supplementary capital (Tier-2):
General provision maintained against unclassified loans
Assets Revaluation Reserves
All other Preference Shares
Perpetual Subordinated debt
Exchange Equalisation Account

 Components of CORE CAPITAL (TIER-1)

Paid up Capital
Non-repayable Share premium account
Statutory Reserve
General Reserve
Retained Earnings
Minority interest in Subsidiaries
Non-Cumulative irredeemable Preference Shares.
Dividend Equalisation Account

Core Capital must be equal to or more than 4.5% of the risk-weighted

assets.

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