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সার্কুলার
ললটার

Avw_©K cÖwZôvb I evRvi wefvM

evsjv‡`k e¨vsK
cÖavb Kvh©vjq
XvKv|
Website: www.bb.org.bd

20 fv`ª 1429
ZvwiLt
wWGdAvBGg mvK©yjvi bs-10
04 ‡m‡Þ¤^i 2022

e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©v

evsjv‡`‡k Kvh©iZ mKj Avw_©K cÖwZôvb|

wcÖq g‡nv`q,

FY/wjR/wewb‡qvM cybtZdwmj/cybM©Vb msµvšÍ gv÷vi mvKz©jvi|

Dchy©³ wel‡q wWGdAvBGg mvKz©jvi bs-10/2015, mvKz©jvi bs-14/2015, mvKz©jvi ‡jUvi bs-
04/2020, mvKz©jvi bsÑ09/2021 Ges mvKz©jvi ‡jUvi bs-13/2022 Gi cÖwZ Avcbv‡`i `„wó AvKl©Y Kiv hv‡”Q|

2| m¤úªwZ jÿ¨ Kiv hv‡”Q †h, ‡KvwfW-19 Gi `xN©‡gqvw` ‡bwZevPK cÖfve, ewntwe‡k¦ hy×ve¯’vmn
bvbvwea wbqš¿Y ewnf©~Z Kvi‡Y ÿz`ª, e„nr, gvSvwi FYMÖnxZv e¨w³ I cÖwZôv‡bi bM` cÖevn weiƒcfv‡e cÖfvweZ
nIqvq †Kvb †Kvb †ÿ‡Î we`¨gvb bxwZgvjv Abyhvqx FY cybtZdwmj/cybM©Vb Kiv m¤¢e n‡”Q bv| Giƒc cwiw¯’wZ‡Z
ÿwZMÖ¯Í MÖvn‡Ki FY cwi‡kva mnRxKi‡Yi gva¨‡g Avw_©K cÖwZôvbmg~‡ni †kÖwYK…Z F‡Yi myôz e¨e¯’vcbvi ¯^v‡_©
we`¨gvb bxwZgvjvq ewY©Z WvDb‡c‡g›U I †gqv` ‡hŠw³K K‡i G bxwZgvjv Rvwi Kiv n‡jv|

3| mvaviY wb‡`©kbvejx:

‡KejgvÎ weiƒcgv‡b (wb¤œgvb, m‡›`nRbK, g›`/ÿwZ) †kÖwYK…Z FY/wjR/wewb‡qvM cybtZdwmj Kiv hv‡e
Ges Standard ev Special Mention Account (SMA) gv‡b i‡q‡Q Giƒc FY/wjR/wewb‡qvM wnmve cybM©Vb
Kiv hv‡e| cybtZdwmj/cybM©Vb Gi Av‡e`b we‡ePbvi †ÿ‡Î wb‡¤œv³ wb‡`©kbv AbymiY Ki‡Z n‡eÑ

(K) ÿz`ª/gvSvwi/e„nr mKj ‡kÖwYi MÖvn‡Ki Rb¨ Avw_©K cÖwZôvbÑMÖvnK m¤ú‡K©i wfwˇZ G bxwZgvjv
cÖ‡hvR¨ n‡e|

(L) G bxwZgvjvi AvIZvq FY/wjR/wewb‡qvM cybtZdwmj/cybM©Vb Gi †ÿ‡Î MÖvn‡Ki e¨emvwqK Kvh©µg

n‡Z DrmvwiZ bM` cÖevn (Business Cash Flow), Avw_©K weeiYx (Financial Statements),
FY weZiYKvjxb wbqgvPvi cwicvjb (Due Diligence), MÖvnK cÖwZôv‡bi Aw¯ÍZ¡, RvgvbZ, F‡Yi
mبenvi hvPvB BZ¨vw` wbwðZ Ki‡Z n‡e|

চলমান পাতা/০2
 -02-

(M) FY/wjR/wewb‡qvM cybtZdwmj/cybM©Vb msµvšÍ wel‡q Avw_©K cÖwZôvbmg~‡ni cwiPvjbv cl©‡`i

Aby‡gvw`Z bxwZgvjv _vK‡Z n‡e| D³ bxwZgvjv G mvK©yjv‡i ewY©Z wbqgvejxi †P‡q mnRZi n‡e
bv|

(N) Avw_©K cÖwZôvbmg~‡ni †µwWU KwgwU wjwLZ cÖwZ‡e`‡bi gva¨‡g FY/wjR/wewb‡qvM wnmve
cybtZdwmj/cybM©V‡bi ‡hŠw³KZv e¨vL¨v Ki‡e| Avw_©K cÖwZôv‡bi Zvij¨ Ges Ab¨vb¨ MÖvn‡Ki
Pvwn`vi Dci FY/wjR/wewb‡qvM wnmve cybtZdwmj/cybM©V‡bi cÖfveI †µwWU KwgwU Zv‡`i
cÖwZ‡e`‡b we¯ÍvwiZ wjwce× Ki‡e|

(O) FY/wjR/wewb‡qvM cybtZdwmj/cybM©V‡bi wm×všÍ Aby‡gv`‡bi ‡ÿ‡Î cl©`‡K F‡Yi mبenvi m¤ú‡K©
wbwðZ n‡Z n‡e|

(P) ‡Kvb MÖvnK KZ©„K cÖ‡qvRbxq WvDb‡c‡g‡›Ui A_© Avw_©K cÖwZôv‡bi e¨vsK wnmv‡e Rgv nIqvi 03
(wZb) gv‡mi g‡a¨ Avw_©K cÖwZôvbmg~n FY/wjR/wewb‡qvM wnmve cybtZdwmwjKi‡Yi wel‡q wm×všÍ
MÖnY Ki‡e| FY/wjR/wewb‡qv‡Mi wKw¯Í ev Gi Ask wn‡m‡e Av`vqK…Z A_© WvDb‡c‡g›U wn‡m‡e
cÖ`k©b Kiv hv‡e bv|

(Q) FY cybtZdwmj/cybM©VbKv‡j ¯^í‡gqvw`/GK eQ‡ii ev Zvi Kg ‡gqv‡`i Rb¨ cÖ`Ë FY‡K

`xN©‡gqvw` F‡Y iƒcvšÍ‡ii cÖ‡qvRbxqZv †`Lv w`‡j iƒcvšÍ‡ii KviY I †hŠw³KZv cÖ¯Ív‡e mywbw`©ófv‡e
D‡jøL Ki‡Z n‡e|

4| FY/wjR/wewb‡qvM cybtZdwmj/cybM©V‡b b~¨bZg WvDb‡c‡g›U I m‡e©v”P mgqmxgv:

(K) FY cybtZdwm‡j WvDb‡c‡g›U n‡e wb¤œiƒc:

cybtZdwm‡ji b~¨bZg WvDb‡c‡g›U

`dv (cybtZdwm‡ji ‡ÿ‡Î)
cÖ_g `dv †gvU e‡Kqvi 4% A_ev ‡gqv‡`vËxY© wKw¯Íi Ab~¨b 7%, GB `yB‡qi g‡a¨ hv Kg|

wØZxq `dv †gvU e‡Kqvi 5% A_ev, ‡gqv‡`vËxY© wKw¯Íi Ab~¨b 8%, GB `yB‡qi g‡a¨ hv Kg|

Z…Zxq `dv †gvU e‡Kqvi 6% A_ev, ‡gqv‡`vËxY© wKw¯Íi Ab~¨b 9%, GB `yB‡qi g‡a¨ hv Kg|

(L) cybtZdwmj/cybM©V‡bi †gqv` n‡e MÖvnK‡K cÖ`Ë gÄyixc‡Îi (Sanction Letter) ZvwiL n‡Z
wb¤œiƒc:
(1) cÖ_g `dv cybtZdwmj/cybM©V‡bi †ÿ‡Î m‡e©v”P 6 eQi ev 72 gvm|
(2) wØZxq `dv cybtZdwmj/cybM©V‡bi †ÿ‡Î m‡e©v”P 5 eQi ev 60 gvm|
(3) Z…Zxq `dv cybtZdwmj/cybM©V‡bi †ÿ‡Î m‡e©v”P 5 eQi ev 60 gvm|

(M) †kÖwYK…Z FY m‡e©v”P 03 (wZb) evi cybtZdwmj/cybM©Vb‡hvM¨ n‡e| Z‡e, MÖvn‡Ki wbqš¿Y ewnf©~Z
Kvi‡Y wkí/e¨emv ÿwZMÖ¯Í n‡j †m‡ÿ‡Î †Ljvwc FY Av`v‡qi ¯^v‡_© we‡kl we‡ePbvq 4_© evi
চলমান পাতা/০3
 -03-
cybtZdwmj/cybM©Vb Kiv hv‡e| PZz_© `dv cybtZdwmj/cybM©V‡bi †ÿ‡Î Z…Zxq `dv
cybtZdwmj/cybM©V‡bi Abyiƒc WvDb‡c‡g›U I †gqv` cÖ‡hvR¨ n‡e|

(N) Ab¨ †Kvb Avw_©K cÖwZôvb/e¨vsK KZ…©K cybtZdwmjK…Z FY AwaMÖnY (Takeover)-Gi gva¨‡g
†Kvb Avw_©K cÖwZôv‡b ¯’vbvšÍwiZ n‡q‡Q Giƒc FY cybtZdwmj/cybM©V‡b c~e©eZ©x cÖwZôv‡bi
cybM©Vb/cybtZdwmjKi‡Yi µg cÖ‡hvR¨ n‡e| G j‡ÿ¨, cybtZdwmj/cybM©Vb cÖ¯Íve g~j¨vqbKv‡j
Avw_©K cÖwZôvb MÖvn‡Ki wbKU n‡Z †NvlYvcÎ msMÖn Ki‡e Ges Zv hvPvB evQvB‡qi gva¨‡g
wbwðZ n‡e|

5| cybtZdwmj I cybM©V‡bi kZ©vejx:

(K) Rvj/RvwjqvwZ ev Awbq‡gi gva¨‡g weZiYK…Z F‡Yi †ÿ‡Î G bxwZgvjv cÖ‡hvR¨ n‡e bv;

(L) FY cybtZdwmj/cybM©Vb cÖ¯Íve ch©v‡jvPbvi wbwg‡Ë mshyw³ ÔKÕ-‡Z ewY©Z Z_¨vw` cwiPvjbv cl©`
eivei Dc¯’vcb K‡i Gi Kwc mswkøó bw_‡Z msiÿ‡Yi welqwU wbwðZ Ki‡Z n‡e| Z‡e cÖwZôvb
cÖ‡qvR‡b AwZwi³ Z_¨ hvPvB evQvB Ki‡Z cvi‡e;

(M) wewfbœ cÖK…wZi FY‡K GKwÎZ K‡i GKK FY wn‡m‡e cybtZdwmj/cybM©Vb Kiv hv‡e bv|

(N) FY cybtZdwmj/cybM©Vb Kv‡j m‡e©v”P 6 (Qq) gvm ‡MÖm wcwiqW cÖ`vb Kiv hv‡e|

(O) cybtZdwmj/cybM©VbK…Z F‡Yi kZ©vbyhvqx b~¨bZg 6 (Qq) wU gvwmK/2 (`yB) wU ˆÎgvwmK wKw¯Íi
mgcwigvY A_© Av`vq bv n‡j cybe©vi FY cybtZdwmj/cybM©Vb Kiv hv‡e bv |

(P) cybtZdwmj/cybM©VbK…Z FY mgvb gvwmK/‰ÎgvwmK wKw¯Í‡Z cwi‡kva‡hvM¨ n‡e;

(Q) G bxwZgvjv Rvwii c~‡e© †Kvb FY 3 (wZb) ev Z‡ZvwaKevi cybtZdwmj/cybM©Vb n‡q _vK‡j G
bxwZgvjv Rvwii ci mswkøó FY/wjR wnmve‡K we‡kl we‡ePbvq Av‡iv GKevi cybtZdwmj/cybM©Vb
Kiv hv‡e, hv 4_© `dv cybtZdwmj/cybM©Vb e‡j we‡ewPZ n‡e|

(R) 4_© evi cybtZdwmj/cybM©Vb Kivi ciI FY Av`vq bv n‡j g›`gv‡b †kÖwYK…Z K‡i FY Av`v‡q
h_vh_ AvBbvbyM e¨e¯’v MÖnY Ki‡Z n‡e|

(S) FY cybtZdwmj/cybM©VbKv‡j MÖvn‡Ki wbKU cÖvc¨ A‡_©i cwigvY (Av‡ivwcZ/Abv‡ivwcZ my`/gybvdv

m‡gZ) h_vh_ wnmvevqb Ges bw_‡Z msiÿY wbwðZ Ki‡Z n‡e| cybtZdwmj/cybM©VbK…Z A‡_©i
cwigvY hv‡Z Avmj I Znwej e¨q A‡cÿv Kg bv nq Zv wbwðZ Ki‡Z n‡e|

(T) cybtZdwmj/cybM©VbK…Z F‡Yi Abv`vqx wKw¯Í 6wU gvwmK wKw¯Í A_ev 2wU ˆÎgvwmK wKw¯Íi mgvb
n‡j FY/wjR/wewb‡qvM wnmvewU g›`/ÿwZ gv‡b †kÖwYKiYc~e©K wmGj weeiYx I †µwWU Bbdi‡gkb
ey¨‡iv (wmAvBwe)-‡Z wi‡cvU© Ki‡Z n‡e|
চলমান পাতা/০4
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(U) evsjv‡`k e¨vs‡Ki bxwZgvjv j•Nb K‡i †Kvb MÖvn‡Ki FY/wjR/wewb‡qvM wnmve cybtZdwmj/cybM©Vb
Kiv n‡j mswkøó MÖvn‡Ki FY/wjR/wewb‡qvM GB mvK©zjv‡ii AvIZvq cieZ©x `dvq
cybtZdwmj/cybM©Vb Kiv hv‡e bv|

6| cybtZdwmjK…Z FY/wjR/wewb‡qv‡Mi my` I ms¯’vb wnmvevqb:

(K) cybtZdwmjK…Z FY/wjR/wewb‡qvM wnmv‡ei my` cÖK…Z Av`vq e¨ZxZ AvqLv‡Z ¯’vbvšÍi Kiv hv‡e bv|
cybtZdwmj c~e©eZ©x ¯’wMZ my‡`i †¶‡ÎI GKB weavb cÖ‡hvR¨ n‡e|

(L) cybtZdwmjK…Z FY/wjR/wewb‡qvM wnmv‡ei wecix‡Z cÖ‡qvRbxq ms¯’vb msiwÿZ bv n‡q _vK‡j
cybtZdwmj c~e©eZ©x †kÖwYgv‡bi Dci wfwË K‡i Zv msiÿ‡Yi e¨e¯’v Ki‡Z n‡e |

(M) †Kvb FY/wjR/wewb‡qvM wnmve cybtZdwm‡ji mv‡_ mv‡_ D³ F‡Yi wecix‡Z cybtZdwmj c~e©eZ©x
mg‡q iw¶Z ms¯’vb/ms¯’v‡bi Ask we‡kl AvqLv‡Z ¯’vbvšÍi ev Ab¨vb¨ F‡Yi wecix‡Z iw¶Ze¨
ms¯’v‡bi mv‡_ mgš^q Kiv hv‡e bv| cybtZdwmj cieZ©x mg‡q, c~‡e© msiwÿZ ms¯’vb/ms¯’v‡bi A_©
bZyb cwi‡kvam~Px Abyhvqx wKw¯Í Av`vq mv‡c‡ÿ AvbycvwZK nv‡i wWGdAvBGg mvK©zjvi b¤^i-11,
ZvwiL: 23 wW‡m¤^i 2009 Gi 12(K)(1) Aby‡”Q‡`i ''Av`vq Ges Avi cÖ‡qvRb bvB Ggb ms¯’vb''
wk‡ivbv‡gi Aax‡b mgš^q Kiv hv‡e|

7| FY †kÖwYKiY I F‡Yi †kÖwYgvb cwieZ©b m¤úwK©Z wb‡`©kbv:

(K) †Ljvwc FY MÖnxZv A_© GdAvBwW mvKz©jvi bsÑ13/2001 Abyhvqx msÁvwqZ ‡Ljvwc FY/wjR
MÖnxZv|

(L) cybtZdwmjK…Z FY cybivq †Ljvwc nIqvi c~‡e© e¨vsK †Kv¤úvwb AvB‡bi 27KK(3) aviv Gi D‡Ïk¨
c~iYK‡í †Kvb cybtZdwmjK…Z FY‡K Ô†Ljvwc FYÕ Ges MÖvnK‡K Ô†Ljvwc FYMÖnxZvÕ wn‡m‡e
we‡ePbv Kiv hv‡e bv| GZ`m‡Ë¡I, Avw_©K cÖwZôvb wbR¯^ we‡ePbvq cybtZdwmjK…Z FY‡K †h †Kvb
weiƒc †kÖwYgvb we‡ePbvq cÖ‡qvRbxq ms¯’vb msiÿY Ki‡Z cvi‡e|

(M) evsjv‡`k e¨vs‡Ki cwi`k©bKv‡j G bxwZgvjv Abyhvqx mKj kZ© cwicvwjZ n‡q‡Q wKÑbv Zv
cixÿv‡šÍ cwi`k©b `j cybtZdwmj/cybM©VbK…Z F‡Yi †kÖwYgv‡bi wel‡q †h wm×v‡šÍ DcbxZ n‡e Zv
P~ovšÍ e‡j MY¨ n‡e|

8| G bxwZgvjvi AvIZvq FY/wjR/wewb‡qvM cybtZdwmj/cybM©Vb msµvšÍ †h †Kvb Av‡e`b wewaÑweavb

†g‡b Avw_©K cÖwZôvbÑMÖvnK m¤ú‡K©i wfwˇZ Avw_©K cÖwZôvbmg~‡ni cwiPvjbv cl©` KZ…©K wb®úwË Ki‡Z n‡e|
G‡ÿ‡Î, evsjv‡`k e¨vs‡Ki Aby‡gv`b/AbvcwËi ‡Kvb Avek¨KZv †bB|

9| AÎ mvKz©jv‡ii 4(M) Ges 5(Q) Dcby‡”Q‡` ewY©Z †Kvb FY/wjR/wewb‡qvM wnmve PZz_© `dvq
cybtZdwmwjKi‡Yi ciI FY/wjR/wewb‡qvM MÖnxZv M„nxZ FY cwi‡kv‡a e¨_© n‡j wZwb ¯^fveRvZ FY †Ljvcx
wn‡m‡e MY¨ n‡eb| G we‡ePbvq ‡Kvb FY/wjR/wewb‡qvM wnmve mw¤§wjZfv‡e 4 (Pvi) ev‡ii †ewk
cybtZdwmj/cybM©Vb Kiv hv‡e bv| me©‡gvU 4 (Pvi) evi cybtZdwmj/cybM©Vb Kivi ciI FY Av`vq bv n‡j cvIbv
Av`v‡q Avw_©K cÖwZôvb AvBbx e¨e¯’v MÖnY Ki‡e Ges h_vh_ ms¯’vb msiÿY Ki‡e|
চলমান পাতা/০5
 -05-

10| FY cybtZdwmj/cybM©Vb/†gqv` e„w×KiY msµvšÍ mvKz©jvi bs-10/2015, mvKz©jvi bs-14/2015,

mvKz©jvi ‡jUvi bs-04/2020, wWGdAvBGg mvKz©jvi bsÑ09/2021 Ges mvKz©jvi ‡jUvi bs-13/2022 GZØviv
iwnZ Kiv n‡jv|

11| G bxwZgvjv Rvwi nIqvi c~‡e© wWGdAvBGg mvKz©jvi ‡jUvi bs-13/2022 Gi Aax‡b †Kvb FY
A‡kÖwYK…Z/wbqwgZ n‡q _vK‡j †m mKj FY wnmveI G bxwZgvjvi AvIZvq cybtZdwmj/cybM©Vb Kiv hv‡e|

12| wePvivaxb/Av`vj‡Zi wb‡lavÁv ejer i‡q‡Q Giƒc FY G bxwZgvjvi AvIZvq cybtZdwmj/cybM©Vb

Kiv hv‡e bv|

13| wi‡cvwU©s:

(K) cybtZdwmjK…Z I cybM©VbK…Z FY/wjR/wewb‡qvM wnmve m¤úwK©Z mKj Z_¨ (RS-1, RS-2, RS-3,
RS-4 BZ¨vw` µwg‡K) evsjv‡`k e¨vs‡Ki †µwWU Bbdi‡gkb ey¨‡iv (wmAvBwe)-‡Z †cÖiY Ki‡Z
n‡e|

(L) my` gIKzdc~e©K †Kvb FY/wjR/wewb‡qvM wnmve cybtZdwmj Kiv n‡j H mKj wnmv‡ei Z_¨
(RSIW-1, RSIW-2, RSIW-3, RSIW-4 BZ¨vw` µwg‡K) evsjv‡`k e¨vs‡Ki †µwWU
Bbdi‡gkb ey¨‡iv (wmAvBwe)-‡Z †cÖiY Ki‡Z n‡e|

(M) Rationalized Input Template (RIT) e¨envi K‡i I‡qe †cvU©v‡ji gva¨‡g cybtZdwmj
FY/wjR/wewb‡qvM wnmve m¤úwK©Z Z_¨vw` evsjv‡`k e¨vs‡K †cÖi‡Yi wel‡q wWGdAvBGg mvK©zjvi
bs-09, ZvwiL: 29 b‡f¤^i 2012 Gi wb‡`©kbv AcwiewZ©Z _vK‡e| cybM©VbK…Z FY/wjR/wewb‡qvM
wnmv‡ei ‡ÿ‡ÎI D³ wb‡`©kbv cÖ‡hvR¨ n‡e|

Avw_©K cÖwZôvb AvBb, 1993 Gi 18(Q) avivq cÖ`Ë ÿgZve‡j G wb‡`©kbv Rvwi Kiv n‡jv, hv Awej‡¤^
Kvh©Ki n‡e|

Avcbv‡`i wek¦¯Í,

(‡gvt Avwgi DwÏb)

cwiPvjK (wWGdAvBGg)
‡dvbt 9530178
 mshyw³ÑK
FY/wjR/wewb‡qvM Gi cybtZdwmj/cybM©Vb Gi Av‡e`b g~j¨vq‡b Avek¨Kxq Z_¨vw`|
K. mvaviY Z_¨vejx:
FY/wjR/wewb‡qvM Aby‡gv`b msµvšÍ Z_¨vw`:
1. MÖvnK/MÖvnK cÖwZôv‡bi bvg :
2. FY/wj‡Ri aiY :
3. FY Pzw³ b¤^i :
4. g~j FY/wjR/wewb‡qv‡Mi cwigvY :
5. F‡Yi A_© QvoKi‡Yi ZvwiL I †gqv` †kl nIqvi ZvwiL:
6. my‡`i nvi :
7. wKw¯Íi aiY (gvwmK/‰ÎgvwmK/Ab¨vb¨) Ges †gvU wKw¯Íi msL¨v :
8. gvwmK/‰ÎgvwmK/Ab¨vb¨ wKw¯Íi cwigvY :
9. cÖ¯ÍvweZ FY cybtZdwmj/cybM©Vb Kivi c~‡e© cÖ`Ë †gvU wKw¯Íi msL¨v :
10. cÖ¯ÍvweZ FY cybtZdwmj/cybM©Vb Kivi c~‡e© †gvU e‡Kqv wKw¯Íi msL¨v :
cybtZdwmj/cybM©Vb msµvšÍ Z_¨vw`: (cÖwZev‡ii Rb¨ Avjv`v Avjv`v Q‡K Z_¨vw` mshy³ Ki‡Z n‡e)
1. FY Pzw³ b¤^i :
2. FY cybtZdwmj/cybM©Vb Gi `dv (1g/2q/3q/Z`~aŸ©) :
3. cybtZdwmj/cybM©VbK…Z F‡Yi †gqv`:
4. Av`vqK…Z WvDb †c‡g‡›Ui (Down payment) cwigvY (e‡Kqv/†gqv‡`vËxY© wKw¯Íi KZ %) :
5. FY cybtZdwmj/cybM©Vb Aby‡gv`bKvix KZ…©cÿ :
6. my‡`i nvi :
7. wKw¯Íi aiY (gvwmK/‰ÎgvwmK) :
8. †gvU wKw¯Í msL¨v :
9. wKw¯Íi AvKvi (†KvwU UvKvq) :
10. cÖ`Ë †gvU wKw¯Í msL¨v :
11. †gvU e‡Kqv wKw¯Í msL¨v :
12. cybtZdwmj/cybM©V‡bi †gqv` ïiæ I †kl nIqvi ZvwiL :
13. we`¨gvb mgq (gvm) :
14. we`¨gvb w¯’wZ (†KvwU UvKv) :
F‡Yi eZ©gvb Ae¯’v :
1. eZ©gv‡b †gvU †gqv‡`vËxY© wKw¯Íi cwigvY (†KvwU UvKvq I wfwË ZvwiL) :
2. †gvU e‡Kqvi cwigvY/Total Outstanding (†KvwU UvKvq I wfwË ZvwiL) :
3. me©‡kl wKw¯Í cwi‡kv‡ai ZvwiL I cwigvY :
4. cybtZdwmj/cybM©V‡bi KviY :
5. FY MÖnYKvix MÖvnK/MÖvnK cÖwZôv‡bi F‡Yi A_© cwi‡kv‡ai mÿgZv hvPvB‡qi mc‡ÿ cÖgvYK :
cÖ¯ÍvweZ cybtZdwmj/cybM©Vb Kivi kZ©mg~n:
1. FY Pzw³ b¤^i :
2. FY cybtZdwmj/cybM©V‡bi cwigvY (UvKv) :
3. cybtZdwmj/cybM©V‡bi †gqv` :
4. my‡`i nvi :
5. wKw¯Íi aiY (gvwmK/‰ÎgvwmK/Ab¨vb¨), msL¨v I cwigvY :
6. mgqKvj (cybtZdwmj/cybM©V‡bi †gqv` ïiæ I †kl nIqvi ZvwiL) :
7. G msµvšÍ kZ©vw` :
L. F‡Yi my`, ms¯’vb I RvgvbZmswkøó Z_¨vw`:
1. WvDb †c‡g‡›Ui (Down payment) mc‡ÿ cÖgvYK (Cheque/Draft/Deposit slip+Bank Statement etc.)
2. Rvgvb‡Zi weeiY:
(K) eÜKx m¤úwËi weeiY:
µwgK bs Rwgi cwigvY Ae¯’vb evRvi g~j¨ Forced Sale Value

(L) eÜKx m¤úwËi wecix‡Z cvwicvmy (Pari Passu) i‡q‡Q wK-bv, _vK‡j Zvi weeiY (g~j¨gvb I cÖwZôvbwfwËK wefvRb):
(M) FDR Gi wecix‡Z FY cÖ`Ë n‡j :
Pjgvb cvZv/02
 -02-

µwgK bs cwigvY †gqv`c~wZ©i ZvwiL Bmy¨Kvix cÖwZôvb Bb÷ªy‡g‡›Ui b¤^i I ZvwiL

(N) 3q cÿxq Rvgvb‡Zi wecix‡Z FY cÖ`Ë n‡q _vK‡j RvgvbZ cÖ`vbKvixi mv‡_ cÖwZôv‡bi m¤úK©:
(O) Ab¨vb¨
3. FY (F‡Yi Ask/my`/PvR© BZ¨vw`) gIKzd msµvšÍ Z_¨vw` :
ZvwiL cwigvY Aby‡gv`bKvix KviY gšÍe¨

4. F‡Yi mبenvi msµvšÍ cÖwZ‡e`b:

ZvwiL mswkøó Kg©KZ©vi/ Kg©KZ©v‡`i Awbq‡gi weeiY MÖvnK cÖwZôv‡bi eZ©gvb Ae¯’vi weeiY(we¯ÍvwiZ gšÍe¨
bvg, c`ex I †mj †dvb bs (hw` _v‡K) cÖwZ‡e`b bw_‡Z msiÿY Ki‡Z n‡e)

5. wePvivaxb/Av`vjZ msµvšÍ Z_¨:

K. gvgjv msµvšÍ Z_¨:
µwgK bs gvgjv bs I aiY gvgjv `v‡q‡ii ZvwiL I mswkøó †Kv‡U©i bvg †gqv` gvgjvi eZ©gvb Ae¯’v

L. Stay Order msµvšÍ Z_¨:

µwgK bs Bmy¨i ZvwiL †gqv` gšÍe¨

6. ¯’wMZ my` (Interest Suspense) msµvšÍ Z_¨:

K. me©‡kl w¯’wZ I ZvwiL
L. mswkøó MÖvnK/MÖvnK cÖwZôv‡bi ¯’wMZ my` wnmve weKwjZ n‡q _vK‡jÑ
µwgK bs weKj‡bi ZvwiL cwigvY gšÍe¨

7. Abv‡ivwcZ my‡`i cwigvY :

8. Abv‡ivwcZ my`mn cÖvc¨ A_© I ZvwiL :
9. F‡Yi wecix‡Z msiwÿZ ms¯’v‡bi w¯’wZ (Specific ms¯’vb hw` _v‡K) I wfwË ZvwiL :
10. (K) me©‡kl M„nxZ wmAvBwe (CIB) Abyhvqx Av‡jvP¨ MÖvn‡Ki F‡Yi mvwe©K Z_¨ (Exposure) I F‡Yi †kÖwYgvb t
e¨vsK I Avw_©K F‡Yi me©‡kl †kÖwYgvb Stay Order
µwgK bs gšÍe¨
cÖwZôv‡bi bvg e‡Kqv w¯’wZ STD SMA SS DF BL (hw` _v‡K) Gi bs I †gqv`

1.
2.
me©‡gvU=
(L) FYwU c~‡e© weiƒcgv‡Y †kÖwYK…Z n‡q _vK‡jÑ
µwgK bs †kÖwYgvb weiƒcgv‡b †kÖwYK…Z _vKvi †gqv`Kvj KviY gšÍe¨

11. me©‡kl CL status t

12. cÖZ¨qb Kiv hv‡”Q †h, cÖ`Ë mKj Z_¨ wbfz©j I mwVK Ges ewY©Z Z_¨vw`i mg_©‡b hveZxq `wjjvw` mswkøó bw_‡Z msiwÿZ Av‡Q|

(cÖ¯Z‘ Kvix) (cixÿvKvix) (cÖwZ¯^vÿiKvix)

bvg: bvg: bvg:
c`ex: c`ex: c`ex: