19.1 KYC Circular

cg';"rL – !(=!
u|fxs klxrfg tyf ;f]sf] ;Dk'i6L ubf{ lng' kg]{ sfuhft tyf ljj/0fx?
a}+s tyf ljQLo ;+:yfx?n] s'g} klg u|fxssf] vftf vf]Nbf u|fxssf] k|s[lt cg';f/ b]xfosf ljj/0f tyf
sfuhftx? lng' kg]{5 .
-s_ JolQmut vftf -g]kfnL gful/ssf] xsdf_

-!_ gfd, y/ lnË M
-@_ hGd ldlt M /fli6«otfM
-#_ :yfoL 7]ufgfM
lhNnf=============== g=kf=÷uf=kf================= j8f g+==== 6f]n÷ufFp===========3/ gDa/============
6]lnkmf]g g+==================df]jfOn g+=====================Od]n 7]ufgf======================
-$_ xfnsf] 7]ufgfM
lhNnf=============== g=kf=÷ uf=kf================== j8f g+==== 6f]n÷ufFp===========3/ gDa/============
6]lnkmf]g g+==================df]jfOn g+=====================Od]n 7]ufgf======================
-%_ b]xfo adf]lhdsf] Go"gtd Ps ljj/0f / ;f]sf] ;Dk'li6 ug]{ sfuhft
s= gful/stf
gful/stf g+===========hf/L ug]{ lhNnf================ hf/L ldlt================
v= /fxbfgL
/fxbfgL g+==============hf/L ug]{ lhNnf================ hf/L ldlt========== clGtd ldlt
=====================
u= dtbftf kl/rokq
kl/rokq g+===========hf/L ug]{ lgsfo==================hf/L ldlt================
3= ;jf/Lrfns cg'dltkq
cg'dltkq g+=========hf/L ug]{ lgsfo===================hf/L ldlt========= clGtd ldlt
======================
-^_ gfjfnssf] xsdf
s= hGd btf{ k|df0fkq jf gfjfns kl/rokq
k|df0fkq÷kl/rokq g+=============== hf/L ug]{ lgsfo================== hf/L ldlt================
v= cleefjs jf ;+/Ifssf] gful/stf÷/fxbfgL÷dtbftf kl/rokq÷;jf/Lrfns cg'dltkq
gDa/=========== hf/L ug]{ lgsfo============== hf/L ldlt============= clGtd ldlt ================
-&_ gful/stf glnPsf] g]kfnL gful/ssf] xsdf
s= ufpFkflnsf jf dxf÷pkdxf÷gu/kflnsfsf] l;kmfl/;
l;kmfl/;÷rnfgL g+==================hf/L ug]{ lgsfo======================== hf/L ldlt================
-*_ :yfoL n]vf gDa/ -pknAw ePsf]÷cGo lgb]{zg adf]lhd cfjZos ePsf] xsdf dfq_M
-(_ cfdfafa' jf cfdf jf afa' dWo] s'g} Pssf] k"/f gfd
-gf]6M kl/jf/sf cGo ;b:ox? -h:t} klt÷klTg, afh], 5f]/f, 5f]/L, a'xf/L, bfO{, efO{, ljjflxt
dlxnfsf] xsdf ;;'/f÷;f;'_sf] ljj/0f a}+s tyf ljQLo ;+:yfn] cfjZos 7fg]sf] v08df lng
;Sg]5g\ ._
-!)_ ;+nUg /x]sf] k]zf÷Joj;foM
g]kfn /fi6« a}+saf6 æsÆ, ævÆ / æuÆ ju{sf Ohfhtkqk|fKt ;+:yfx?nfO{ hf/L ul/Psf] PsLs[t lgb]{zg – @)&& 399
-;+:yfsf] gfd, 7]ufgf, ;Dks{ g+=, kb, cg'dflgt jflif{s cfDbfgL÷kfl/>lds tyf cGo
ljj/0f_
-!!_ lgj]bsn] ;+nUg ug'kg]{ sfuhftx?M
-c_ gful/stf jf /fxbfgL jf dtbftf kl/rokq jf ;jf/L rfns cg'dltkq jf :yfoL
n]vf gDa/sf] k|df0fkq jf ;/sf/L, ;fj{hlgs ;+:yf tyf ;+ul7t ;+:yfsf g]kfnL
sd{rf/Lsf] xsdf lghsf] sd{rf/L kl/rokq jf g]kfn ;/sf/af6 cg'bfgk|fKt ljBfno,
dxfljBfno tyf ljZjljBfnosf sd{rf/L, lzIfs jf k|fWofkssf] xsdf lghsf]
sd{rf/L÷lzIfs÷k|fWofks kl/rokqsf] 5ljlrq
-cf_ xfn;fn} lvlrPsf] kf;kf]6{ ;fOhsf] kmf]6f]
-!@_ ;DalGwt ;+:yfn] cfjZos 7fg]sf cGo ljj/0f tyf sfuhftx? .
:ki6Ls/0fM
-!_ 3/ g+=, 6]lnkmf]g g+=, df]jfOn g+=, Od]n 7]ufgf, /fxbfgL, k]zf Joj;fo, :yfoL n]vf
gDa/ h:tf ljj/0fx? gePsf lgj]bssf] xsdf To:tf ljj/0f pNn]v ug{ clgjfo{ x'g]
5}g . t/ ;f] ljj/0fx? cfkm";Fu g/x]sf] Joxf]/f :j3f]if0ff u/fpg' kg]{5 .
-@_ o; lgb]{zg adf]lhd a[xt u|fxs klxrfg k4lt -ECDD_ ckgfpg' kg]{ u|fxsx?sf]
xsdf eg] Psf3/ kl/jf/sf ;b:ox?sf] gful/stf jf /fxbfgL jf dtbftf kl/ro–kq
jf ;jf/L rfns cg'dltkqsf] 5lalrq -gfjfnssf] xsdf kl/rokq_ lng' kg]{5 .
-#_ z/0ffyL{sf] xsdf gful/stfsf] ;§f g]kfn ;/sf/ jf cGo cflwsfl/s lgsfon] lbPsf]
kl/ro–kqsf] 5lalrqnfO{ cfwf/ lng ;lsg]5 .
-$_ gfjfnssf] ;+/Ifs eO{ vftf ;+rfng ul//x]sf] cj:yfdf ;f] gfjfns jflnu ePkl5
pQm jflnus} sfuhft ;+nUg u/L jflnun] g} vftf ;+rfng ug'{kg]{5 .
-v_ ;fem]bf/L jf JolQmut kmd{sf] vftf
-!_ kmd{sf] gfd
-@_ /lhi6{8{ sfof{nosf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g g+=,
km\ofS; g+=, Od]n, j]j;fO6_
-#_ Jofj;flos sfof{nosf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g
g+=, km\ofS; g+=, Od]n, j]j;fO6_
-$_ btf{sf] k|df0fkq -btf{ g+=, btf{ ug]{ sfof{no, btf{ ldlt_, cg'dltkq jf Ohfhtkq / sf/f]af/
cg'dltkq jf gjLs/0fsf] k|df0fkq gDa/, hf/L ldlt, axfn /xg] cjlw / hf/L ug]{ lgsfo
-%_ :yfoL n]vf gDa/jf s/ k|of]hgsf] nflu ;/sf/L lgsfon] k|bfg u/]sf] To:t} k|sf/sf]
k|df0fkq gDa/,
-^_ Joj;fo÷sf/f]af/sf] lsl;d
-&_ sfo{If]q
-*_ zfvf÷sfof{no ;+Vof / d'Vo–d'Vo zfvf÷sfof{nox? /x]sf] :yfg
-(_ jflif{s cg'dflgt sf/f]af/ /sd
-!) k|f]k|fO6/, ;fem]bf/ / vftf ;~rfnsx?sf] ljj/0f -kb, gfd, y/, klt÷klTg, afa', afh]sf]
gfd, :yfoL 7]ufgf, xfnsf] 7]ufgf, 6]lnkmf]g g+=, df]jfOn g+=, Od]n 7]ufgf_
-!!_ k|f]k|fO6/, ;fem]bf/ / vftf ;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f] / gful/stf jf /fxbfgL jf
dtbftf kl/ro–kq jf ;jf/L rfns cg'dltkqsf] 5ljlrq
-!@_ kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] ljQLo ljj/0f / n]vfk/LIf0f ug'{ gkg]{sf] xsdf
;DalGwt ;+:yfn] tof/ u/]sf] ljQLo ljj/0f .
-!#_ kl5Nnf] cfly{s jif{sf] s/r'Qmf k|df0fkq jf s/ bflvnf ljj/0f
-!$_ kmd{sf ;fem]bf/ aLr ePsf] sa'lnotgfdf
-!%_ ;fem]bf/ kmd{ eP cfly{s tyf k|zf;lgs sf/f]af/ ug]{ ;DaGwdf lbPsf] clVtof/gfdf
-!^_ ;DalGwt ;+:yfn] cfjZos 7fg]sf cGo ljj/0f tyf sfuhftx? .
-u_ sDkgLsf] vftf

-!_ sDkgLsf] gfd
-@_ /lhi6{8{ sfof{nosf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g g+=,
-#_ Jofj;flos sfof{nosf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g
-%_ :yfoL n]vf gDa/jf s/ k|of]hgsf] nflu ;/sf/L lgsfon] k|bfg u/]sf] To:t} k|sf/sf]
k|df0fkq gDa/,
-^_ Joj;fo÷sf/f]af/sf] lsl;d
-&_ sfo{If]q
-!)_ ;~rfns, Joj:yfkg ;ldlt jf To:t} sfo{sf nflu u7g ePsf] cGo s'g} ;ldlt eP To;sf
kbflwsf/L, sfo{sf/L k|d'v, vftf ;~rfnsx? / pRr Joj:yfkssf] JolQmut ljj/0f -kb,
gfd, y/, klt÷klTg, afa', afh]sf] gfd, :yfoL 7]ufgf, xfnsf] 7]ufgf, 6]lnkmf]g g+=, df]jfOn
g+=, Od]n 7]ufgf_
-!!_ bz k|ltzt jf ;f] eGbf a9L ;]o/ wf/0f ug]{ ;]o/wgLsf] JolQmut ljj/0f -gfd, y/,
klt÷klTg, afa', afh]sf] gfd, :yfoL 7]ufgf, xfnsf] 7]ufgf, 6]lnkmf]g g+=, df]jfOn g+=, Od]n
7]ufgf_
-!@_ ;~rfns, sfo{sf/L k|d'v / vftf ;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f] / gful/stf jf
/fxbfgL jf dtbftf kl/ro–kq jf ;jf/L rfns cg'dltkqsf] 5ljlrq .
-!#_ sDkgLsf] bz k|ltzt jf ;f] eGbf a9L ;]o/ :jfldTj wf/0f ug]{] sfg'gL JolQm -sDkgL,
;+:yf_ sf] xsdf ;f] sfg'gL JolQmsf] bz k|ltzt jf ;f] eGbf a9L ;]o/ wf/0f ug]{
;]o/wgLsf]JolQmut ljj/0f -gfd, y/, klt÷klTg, afa', afh]sf] gfd, :yfoL 7]ufgf, xfnsf]
7]ufgf, 6]lnkmf]g g+=, df]jfOn g+=, Od]n 7]ufgf_
-!$_ kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] ljQLo ljj/0f -u|fxsaf6 vftf vf]Nbfsf] jvt
clgjfo{ ?kdf lng'kg]{ / tt\ kZrft a}+s tyf ljQLo ;+:yfn] u|fxssf] hf]lvdsf] cfwf/df
cfjZos 7fg]sf] ;dodf lng ;Sg]_
-!%_ kl5Nnf] cfly{s jif{sf] s/r'Qmf k|df0fkq jf s/ bflvnf ljj/0f -u|fxsaf6 vftf vf]Nbfsf]
avt clgjfo{ ?kdf lng'kg]{ / To; kZrft a+}s tyf ljQLo ;+:yfn] u|fxssf] hf]lvdsf]
cfwf/df cfjZos 7fg]sf] ;dodf lng ;Sg]_
-!^_ ljb]zL sDkgLsf] ;xfos sDkgL ePdf ljb]zL d'Vo sDkgLsf] gfd / 7]ufgf
-!&_ ;+:yfkgf / u7g ;DaGwL k|df0fkq tyf sDkgLsf] k|aGwkq / lgodfjnL
-!*_ vftf vf]Ng] / vftf ;~rfng ug]{ ;DaGwdf ;~rfns ;ldltn] u/]sf] lg0f{o / clVtof/L
-!(_ ;~rfns ;ldltn] sfo{sf/L k|d'v / cGo clws[t sd{rf/LnfO{ cfly{s sf/f]af/sf] ;DaGwdf
k|bfg u/]sf] clVtof/L
-@)_ ;DalGwt ;+:yfn] cfjZos 7fg]sf cGo ljj/0f tyf sfuhftx? .
:ki6Ls/0fM
ljz]if P]g cGtu{t :yfkgf ePsf ;+ul7t ;+:yfx?sf] xsdf btf{sf] k|df0fkq ;DaGwL ljj/0f
lng clgjfo{ x'g] 5}g .
-3_ Sna÷u}/;/sf/L ;+3÷;+:yfsf] vftf
-!_ Sna tyf u}/;/sf/L ;+3 ;+:yfsf] gfd
-@_ btf{ x'Fbfsf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g g+=, km\ofS;
g+=, Od]n 7]ufgf, j]j;fO6 7]ufgf_
-#_ btf{ x'Fbfsf] 7]ufgf kl/jt{g ePsf] ePdf kl/jlt{t 7]ufgf
-%_ :yfoL n]vf gDa/ jf s/ k|of]hgsf] nflu ;/sf/L lgsfon] k|bfg u/]sf] To:t} k|sf/sf]
k|df0fkq gDa/,
-^_ sf/f]af/sf] lsl;d
-&_ sfo{If]q
-!)_ sfo{sf/L k|d'v / vftf ;~rfnsx?sf] JolQmut ljj/0f -kb, gfd, y/, klt÷kTgL, afa',
afh]sf] gfd, :yfoL 7]ufgf, xfnsf] 7]ufgf,6]lnkmf]g g+=, df]jfOn g+=, Od]n 7]ufgf_
-!!_ sfo{ ;ldltsf ;b:o,6«i6L, lgoGqs, ;+/Ifs jf ;]6n/sf] JolQmut ljj/0f-kb, gfd, y/,:yfoL
7]ufgf, xfnsf] 7]ufgf,Od]n 7]ufgf tyf sfo{/t ;+:yfsf] gfd, 7]ufgf / ;Dks{ g+=_ tyf 7]ufgf
v'Ng] sfuhft
-!@_ sfo{sf/L k|d'v / vftf ;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f] / gful/stf /fxbfgL jf
dtbftf kl/ro–kq jf ;jf/L rfns cg'dltkqsf] 5ljlrq .
-!#_ kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] ljQLo ljj/0f
-!$_ ;+:yf btf{ k|df0fkqsf] 5lalrq
-!%_ ljwfg
-!^_ vftf vf]Ng] ;DaGwL sfo{ ;ldltsf] lg0f{o
-!&_ vftf ;~rfng tyf cfly{s sf/f]af/ ;DaGwL clVtof/L
-!*_ ;DalGwt ;+:yfn] cfjZos 7fg]sf cGo ljj/0f tyf sfuhftx? .
-ª_ ;xsf/L ;+:yfsf] vftf

(1) ;+:yfsf] gfd
(2) /lhi6{8{ sfof{nosf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g g+=,
(3) Jofj;flos sfof{nosf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g
(4) btf{sf] k|df0fkq -btf{ g+=, btf{ ug]{ sfof{no, btf{ ldlt_, cg'dltkq jf Ohfhtkq / sf/f]af/
(5) :yfoL n]vf gDa/ jf s/ k|of]hgsf] nflu ;/sf/L lgsfon] k|bfg u/]sf] To:t} k|sf/sf]
k|df0fkq gDa/,
(6) Joj;fo÷sf/f]af/sf] lsl;d
(7) sfo{If]q
(8) zfvf÷sfof{no ;+Vof / d'Vo–d'Vo zfvf÷sfof{nox? /x]sf] :yfg
(9) jflif{s cg'dflgt sf/f]af/ /sd
(10) ;~rfns, sfo{sf/L k|d'v / vftf ;~rfnsx?sf] JolQmut ljj/0f -kb, gfd, y/, klt÷kTgL,
afa', afh]sf] gfd, :yfoL 7]ufgf, xfnsf] 7]ufgf, 6]lnkmf]g g+=, df]jfOn g+=, Od]n 7]ufgf_
(11) ;~rfns, sfo{sf/L k|d'v / vftf ;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f] / gful/stf jf
/fxbfgL jf dtbftf kl/ro–kq jf ;jf/L rfns cg'dltkqsf] 5ljlrq .
(12) kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] ljQLo ljj/0f
(13) kl5Nnf] cfly{s jif{sf] s/r'Qmf k|df0fkq jf s/ bflvnf ljj/0f
(14) ;+:yfsf] ljlgod
(15) ;+:yf btf{ ;DaGwL k|df0fkqsf] 5lalrq
(16) vftf vf]Ng] ;DaGwL ;~rfns ;ldltsf] lg0f{o / cfly{s sf/f]af/ ug]{ ;DaGwL clVtof/L
(17) ;DalGwt ;+:yfn] cfjZos 7fg]sf cGo ljj/0f tyf sfuhftx? .
r_ ;fj{hlgs u'7L jf lghL u'7Lsf] vftf

(1) gfd
(2) btf{ x'Fbfsf] 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=, 6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g g+=, km\ofS;
(3) btf{ x'Fbfsf] 7]ufgf kl/jt{g ePsf] ePdf kl/jlt{t 7]ufgf
(4) btf{sf] k|df0fkq -btf{ g+=, btf{ ug]{ sfof{no, btf{ ldlt_, cg'dltkq jf Ohfhtkq / sf/f]af/
(5) :yfoL n]vf gDa/ jf s/ k|of]hgsf] nflu ;/sf/L lgsfon] k|bfg u/]sf] To:t} k|sf/sf]
k|df0fkq gDa/,
(6) sf/f]af/sf] lsl;d
(7) sfo{If]q
(10) ;~rfns jf Joj:yfkg ;ldltsf ;b:o jf To:t} sfo{sf nflu u7g ePsf] cGo s'g} ;ldlt
eP To;sf kbflwsf/L, sfo{sf/L k|d'v / vftf ;~rfnsx?sf] ljj/0f -kb, gfd, y/,
klt÷kTgL, afa', afh]sf] gfd, :yfoL 7]ufgf, xfnsf] 7]ufgf, 6]lnkmf]g g+=, df]jfOn g+=, Od]n
7]ufgf_
(11) sfo{sf/L k|d'v / vftf ;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f] / gful/stf jf /fxbfgL jf
dtbftf kl/ro–kq jf ;jf/L rfns cg'dltkqsf] 5ljlrq tyf ;~rfns jf Joj:yfkg
;ldltsf ;b:ox?sf] 7]ufgf v'Ng] sfuhft
(13) kl5Nnf] cfly{s jif{sf] s/ bflvnf ljj/0f
(14) ljwfg
(15) u'7L :yfkgf ;DaGwL ePsf] sa'lnotgfdf
(16) u'7L :yfkgf ;DaGwL k|df0fkqsf] k|dfl0ft 5lalrq
(17) vftf vf]Ng] ;DaGwL ;~rfns÷Joj:yfkg ;ldltsf] lg0f{o / cfly{s sf/f]af/ ;DaGwL
clVtof/L
-5_ :s'n jf SofDk;sf] vftf
(1) :s'n jf SofDk;sf] gfd
(4) btf{sf] k|df0fkq -btf{ g+=, btf{ ug]{ sfof{no, btf{ ldlt_
(5) :yfoL n]vf gDa/:yfoL n]vf gDa/jf s/ k|of]hgsf] nflu ;/sf/L lgsfon] k|bfg u/]sf] To:t}
k|sf/sf] k|df0fkq gDa/
(7) sfo{If]q
(10) ;~rfns jf Joj:yfkg ;ldltsf ;b:o jf To:t} sfo{sf nflu u7g ePsf] cGo s'g} ;ldlt
eP To;sf kbflwsf/L, sfo{sf/L k|d'v / vftf ;~rfnsx?sf] ljj/0f -kb, gfd, y/,
7]ufgf_
(11) sfo{sf/L k|d'v / vftf ;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f] / gful/stf jf /fxbfgL jf
dtbftf kl/ro–kq jf ;jf/L rfns cg'dltkqsf] 5ljlrq .
(14) k|aGwkq / lgodfjnL
(15) ;+:yf :jLs[ltsf] k|df0fkqsf] k|dfl0ft 5lalrq
(16) ;~rfns÷Joj:yfkg ;ldltn] vftf vf]Ng] ;DaGwL u/]sf] lg0f{o / cfly{s sf/f]af/ ;DaGwL
lbPsf] clVtof/L
-h_ cGt/f{li6«o u}/;/sf/L ;+:yfsf] vftf

(1) ;+:yfsf] gfd
(4) btf{sf] k|df0fkq -btf{ g+=, btf{ ug]{ sfof{no, btf{ ldlt_
(5) :yfoL n]vf gDa/jf s/ k|of]hgsf] nflu ;/sf/L lgsfon] k|bfg u/]sf] To:t} k|sf/sf]
k|df0fkq gDa/,
(7) sfo{If]q
(10) ;~rfns, sfo{sf/L k|d'v, g]kfnsf nflu lgo'Qm k|ltlglw jf k|d'v / vftf ;~rfnsx?sf]
JolQmut ljj/0f -gfd, afa' jf cfdfsf] gfd, :yfoL 7]ufgf, xfnsf] 7]ufgf, 6]lnkmf]g g+=,
df]jfOn g+=, Od]n 7]ufgf cflb_ tyf 7]ufgf v'Ng] sfuhft .
(11) sfo{sf/L k|d'v, g]kfnsf nflu lgo'Qm k|ltlglw jf k|d'v / vftf ;~rfnsx?sf] kf;kf]6{
;fO{hsf] kmf]6f] / gful/stf jf /fxbfgL jf dtbftf kl/ro–kq jf ;jf/L rfns cg'dltkqsf]
5ljlrq .
(13) s/ ljj/0f bflvnf ug'{kg]{ ;+:yfsf] xsdf kl5Nnf] cfly{s jif{sf] s/ bflvnf ljj/0f
(14) ;dfh sNof0f kl/ifb\ / ;+:yf aLr s'g} ;Demf}tf ePsf] eP ;Demf}tfsf] k|ltlnkL
(15) g]kfn ;/sf/;Fu s'g} ;Demf}tf ePsf] eP ;f] ;Demf}tf
(16) g]kfnsf] s'g} cflwsfl/s lgsfo jf6 ;DaGwg jf :jLs[lt lnO;s]sf cGt/f{li6«o u}=;=;+=
afx]s cGo cGt/f{li6«o u}=;=;+=sf] xsdf ;DalGwt b]z jf ;f] b]zsf] /fhb"tfjf;sf] l;kmfl/;
kq .
(17) ;+:yfsf] ljwfg
(18) ;+:yfn] vftf vf]Ng lbPsf] clVtof/L / cfly{s sf/f]af/ ug{ lbPsf] clVtof/L
(20) cGt/fli6«o Snasf g]kfn l:yt :yfgLo ;ldlt tyf Snasf xsdf pQm cGt/fli6«o
Snasf] s]Gb|Lo ;ldltaf6 eft[ ;+u7gsf ;ldlt u7g ul/Psf] lg0f{o / vftf ;+rfng
ug]{ ;DaGwdf u/]sf] lg0f{osf] k|ltlnlk .
(21) ;ldltsf] gfddf a}+s vftf ;+rfng ug{sf nflu vftf ;+rfnssf] gfd ;lxt u/]sf]
l;kmfl/; kq .
-em_ ljb]zL JolQmsf] vftf
(1) k'/f gfd, y/
(2) /fli6«otf
(3) ljb]zsf] 7]ufgf -:yfoL / c:yfoL_
(4) g]kfnsf] 7]ufgf
(5) kl/jf/sf ;b:ox?sf] ljj/0f
(6) /fxbfgL÷le;fM
(7) /fxbfgL g+==========hf/L ug]{ b]z==========hf/L u/]sf] :yfg ========= hf/L ldlt===============clGtd
ldlt ==========================le;fsf] cjlw gf£g] ldlt==============
(8) Dofb ggf3]sf] le;fsf] k|dfl0ft 5lalrq
(9) /fxbfgLsf] k|ltlnkL
(10) sd{rf/L eP sfo{/t ;+:yfsf] gfd, 7]ufgf, ;Dks{ g+= / l;kmfl/; kq
(11) /fxbfgL gePsf ef/tLo gful/ssf] xsdf ef/tLo sfg'g adf]lhd gful/s xf] egL lnPsf]
k|df0fkqsf] gDa/, ldlt, hf/L ug]{ lgsfo / :yfg . ;DalGwt ;+:yfn] cfjZos 7fg]df
ef/tLo /fhb'tfjf;sf] kq ;d]t dfu ug{ ;Sg]5 .
(12) z/0ffyL{sf] xsdf ;DalGwt ;/sf/L jf cGt/f{li6«o lgsfon] lbPsf] kl/rokq gDa/, hf/L /
;dflKt ldlt / hf/L ePsf] :yfg .
-`_ ljb]zL sDkgLsf] vftf

(1) sDkgLsf] gfd
(2) ljb]zL sDkgLsf] ljb]zdf /x]sf] /lhi6{8{ sfof{nosf] k'/f 7]ufgf -b]z, k|fGt÷/fHo, zx/, dfu{,
3/ g+=, 6]lnkmf]g g+=, km\ofS; g+=, Od]n, j]j;fO6 cflb_
(3) ljb]zL sDkgLsf] ljb]zdf /x]sf] Jofj;flos sfof{nosf] 7]ufgf -b]z, k|fGt÷/fHo, zx/, dfu{,
3/ g+=, 6]lnkmf]g g+=, km\ofS; g+=, Od]n, j]j;fO6 cflb_
(4) ljb]zL sDkgLsf] g]kfn l:yt sfof{nosf] k'/f 7]ufgf -lhNnf, g=kf=÷uf=kf=, j8f g+=,
6f]n÷ufFp, 3/ gDa/, 6]lnkmf]g g+=, km\ofS; g+=, Od]n, j]j;fO6 cflb_
(5) g]kfn l:yt sfof{nosf] lsl;d -zfvf, ;Dks{, kl/of]hgf jf cGo s'g}_
(6) ljb]zdf btf{sf] k|df0fkq -btf{ g+=, btf{ ug]{ b]z, btf{ ug]{ sfof{no, btf{ ldlt_, cg'dltkq jf
Ohfhtkq / sf/f]af/ cg'dltkq jf gjLs/0fsf] k|df0fkq gDa/, hf/L ldlt, axfn /xg]
cjlw / hf/L ug]{ lgsfo
(7) g]kfndf btf{ ePsf] eP ;f] ;DaGwL ljj/0f tyf sfuhft -btf{ g+=, btf{ ug]{ sfof{no, btf{
ldlt, cg'dltkq jf Ohfhtkq / sf/f]af/ cg'dltkq jf gjLs/0fsf] k|df0fkq gDa/, hf/L
ldlt, axfn /xg] cjlw / hf/L ug]{ lgsfo_
(9) sfo{If]q
(12) sDkgLsf] k|aGwkq, lgodfjnL
(13) j}b]lzs sDkgLn] vftf vf]Ng lbPsf] clVtof/L tyf sf/f]af/ ug{ lbPsf] clVtof/L
(14) j}b]lzs sDkgLsf] ;~rfns / sfo{sf/L k|d'vsf] JolQut ljj/0f -kb, gfd, y/, 7]ufgf,
6]lnkmf]g g+=, df]jfOn g+=, Od]n 7]ufgf_
(15) g]kfnsf nflu lgo'Qm ul/Psf] k|ltlglw / vftf ;~rfnssf] JolQmut ljj/0f -kb, gfd, y/,
7]ufgf_
(16) j}b]lzs sDkgLsf] k|d'v b'O{ kbflwsf/L, g]kfnsf nflu lgo'Qm ul/Psf] k|ltlglw / vftf
;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f], gful/stf jf /fxbfgLsf] 5lalrq / tL JolQmx?sf]
7]ufgf k'i6L x'g] sfuhft
-6_ s'6g}lts lgof]u÷/fhb"tfjf;sf] vftf

(1) lgof]u÷/fhb"tfjf;sf] kq
(2) vftf ;~rfng ;DaGwL clVtof/L
(3) vftf ;~rfnssf] gfd, y/, 7]ufgf, kmf]6f] tyf 7]ufgf k|dfl0ft x'g] sfuhft
-7_ u}/cfjf;Lo g]kfnL gful/ssf] vftf

(1) k'/f gfd, y/,
(2) /fli6«otf, hGdldlt / lnË
(3) ljb]z l:yt :yfoL / xfnsf] j;f]jf; jf sfo{/t lgsfosf] k'/f 7]ufgf / tTsfn ;Dks{ ug{
;lsg] dfWod
(4) g]kfnsf] k'/f 7]ufgf jf ;Dks{ :yfg
(5) cfdfafa' jf cfdf jf afa'dWo] s'g} Ps / afh]sf] k'/f gfd
(6) Psn dlxnf jf Psn k'?if jfx]ssf ljjflxtsf] xsdf >Ldfg\÷>LdtLsf] k'/f gfd
(7) cfo ;|f]t v'Ng] sfuhftx?
(8) g]kfn ;/sf/sf] ;DalGwt lgsfoaf6 hf/L u}/cfjf;Lo g]kfnL kl/ro kqsf] 5lalrq
(9) /fxbfgLsf] k|dfl0ft 5lalrq
-8_ pkef]Qmf ;ldltsf] vftf

-!_ ;DalGwt pkef]Qmf ;ldltaf6 pkef]Qmf ;ldlt u7g ul/Psf] lg0f{o / vftf ;+rfng ug]{
;DaGwdf u/]sf] lg0f{osf] k|ltlnlk
-@_ :yfgLo txaf6 pkef]Qmf ;ldltsf] gfddf a}+s vftf ;+rfng ug{sf nflu vftf ;+rfnssf]
gfd ;lxt u/]sf] l;kmfl/; kq
-#_ sf/f]af/sf] lsl;d
-$_ cg'dflgt sf/f]af/ /sd
-%_ vftf ;~rfnsx?sf] kf;kf]6{ ;fO{hsf] kmf]6f] / gful/stf jf kf;kf]6{ jf dtbftf kl/rokq
jf ;jf/L rfns cg'dltkqsf] 5ljlrq
-^_ pkef]Qmf ;ldlt s'g} lgsfodf btf{ ePsf] eP To:tf] btf{ k|df0f–kqsf] 5ljlrq
-&_ vftf ;~rfnssf] JolQmut ljj/0f
-*_ pkef]Qmf ;ldltsf] u7gsf] p2]Zo adf]lhd dfq vftf ;~rfng ug]{ ;DaGwdf pkef]Qmf
;ldltsf] :j3f]if0ff .
gf]6 M cfly{s jif{ ;dfKt eO{ n]vf k/LIf0f ;DkGg u/fpg] tyf s/ bflvnf ljj/0f k]z ug]{ ;DaGwdf
sfg'gn] lglb{i6 u/]sf]] ;dofjlwleq s'g} ;+:yfsf] vftf vf]Ng' k/]df ;f] cfly{s jif{sf] eGbf cl3Nnf] cfly{s
jif{sf] n]vfk/LIf0f ePsf] ljQLo ljj/0f tyf s/ bflvnf ljj/0f lnO{ vftf vf]Ng ;lsg] 5 .
cg';"rL –!(=@
Threshold Transaction Report (TTR)
Address of Type of transaction

the person
holding Cas Cross Foreign Account Source
account Date of Nature of Amount Rema
S.N. Name Branch Type and of
(including h - Exchang Transaction Transaction
No.
Involved
Fund
rks
legal) borde e
r
Name:
Signature :
(Compliance Officer or Authorized Officer)
Name :
Designation :
Phone :
Email :
Fax :
Date :
cg';"rL –!(=#
Suspicious Transaction Report (STR) and Suspicious Activity Report
(SAR)
PEP HIGH MEDIUM LOW
A. Reporting Institution :
1. Name of the Institution/Branch:
B. Details of Customer :
1. a. Name of the Main account holder/s/customer: a.
b. Suspected beneficial owner: b.
2 a. Permanent Address: a.
b. Present Address: b.
3. Profession (As per KYC):
4. Nationality:
5. Other account(s) number (if any):
6. Other business (if any):
7. a. Citizen No./PP No./ other ID a.

No./Regd.No.
b. Issue Date and Place b.
c. Issuing Agency/Authority c.
8. a. Father' Name a.
b. Mother’s Name b.
c. Spouse Name c.
d. Grand Father d.
e. Chairman/MD/Proprietor
9. Date of birth (Natural Person)/

Date of establishment(Legal Person):
C. Details of Customer :
1. Account Number
2 Nature of the account

-Current/savings/loan/other, pls. specify)
3. Nature of Ownership: (Individual/proprietorship
/Partnership/company/other, pls. specify)
4. Names of Prop./Directors/ Partners etc.
5. Date of A/C opening
6 Other account(s) number (Related Parties): 1.

2.
3.
D. Transaction
a. Transaction Details (Accountwise)

Account No. Year Total Total Dr. Total Trans. Total Cr. Closing Balance
Trans. No. Amount No. Amount
Total upto now

Please fill the transaction from opening to present date, Total of Dr. & Cr. (No. &
Amount) exclude returned cheques/reverse entries/any other correcting items.
b. Details of Top 10 deposites (Last One Year)
S.No. Date Cheque/Voucher No. Depositor Amount Remarks
c. Details of Top 10 withdrawals (Last One Year)
S.No. Date Cheque/Voucher No. Payee Amount Remarks
d. Details of Loan and any other business and tranasactions with BFI
e. Person and Transaction Tree or Map
D. Reasons for considering the transaction(s) as unusual/suspicious?

 Summary of suspicious activities
 Analysis or Examination
 Possible Linkage
E. Suspicious Activity Information/Suspected Predicate Offence:

Summarize characterization of suspicious activity/please specify the predicate offence (As per Act
and FATF Guideline):
Money Laundering Terrorist Financing
Possible Predicate Offence (Tick in the box)
Participation in an organized criminal group and Tax (including direct and indirect)
racketeering
Disruptive (terrorist) act and terrorism Extortion
Trafficking in person and migrant smuggling Piracy
Any kinds of sexual exploitation including the Insider Dealing and Market Manipulation in
children securities and commodities market related
Illicit trafficking in narcotic drugs and Ancient monument conservation related
psychotropic substances
Illicit trafficking in arms and ammunition Forest, National park and wild animals
preservation related
Illicit trafficking in stolen and other goods Money, banking, finance, foreign exchange,
negotiable instruments, insurance,
cooperatives related
Corruption and bribery Black marketing, consumer protection,
competition, supply
Fraud Election related
Forgery Communication, broadcasting, advertisement
related
Counterfeiting of coin and currency Transportation, education, health, medicine,
foreign employment related
Counterfeiting and piracy of products, or Firm, partnership, company, association
imitation, illegal copy or theft of products related
Environmental crime Real estate and property related
Murder, grievous bodily injury Lottery, gambling, donation related
Kidnapping, illegal restraint or hostage-taking Citizenship, immigration and passport related
Theft or robbery Offence of terrorist financing or association
with terrorist organization
Smuggling (including custom, excise and
revenue)
Others (Please Specify): ……………………………………………………..
F. Has the Bank/FI taken any action in this context? Give details.
Signature (Compliance Officer or Authorized Officer) :

Name :
Designation: Date:
Phone : Email: Fax:

19.1 KYC Circular

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cg';"rL – !(=!

-s_ JolQmut vftf -g]kfnL gful/ssf] xsdf_

-u_ sDkgLsf] vftf

-ª_ ;xsf/L ;+:yfsf] vftf

r_ ;fj{hlgs u'7L jf lghL u'7Lsf] vftf

-h_ cGt/f{li6«o u}/;/sf/L ;+:yfsf] vftf

-`_ ljb]zL sDkgLsf] vftf

-6_ s'6g}lts lgof]u÷/fhb"tfjf;sf] vftf

-7_ u}/cfjf;Lo g]kfnL gful/ssf] vftf

-8_ pkef]Qmf ;ldltsf] vftf

Threshold Transaction Report (TTR)

Address of Type of transaction

3. Profession (As per KYC):

5. Other account(s) number (if any):

6. Other business (if any):

7. a. Citizen No./PP No./ other ID a.

9. Date of birth (Natural Person)/

2 Nature of the account

4. Names of Prop./Directors/ Partners etc.

5. Date of A/C opening

6 Other account(s) number (Related Parties): 1.

a. Transaction Details (Accountwise)

Total upto now

b. Details of Top 10 deposites (Last One Year)

S.No. Date Cheque/Voucher No. Depositor Amount Remarks

c. Details of Top 10 withdrawals (Last One Year)

S.No. Date Cheque/Voucher No. Payee Amount Remarks

e. Person and Transaction Tree or Map

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

E. Suspicious Activity Information/Suspected Predicate Offence:

Possible Predicate Offence (Tick in the box)

Others (Please Specify): ……………………………………………………..

Signature (Compliance Officer or Authorized Officer) :

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