Professional Documents
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Jun 162020 Bfiu 26
Jun 162020 Bfiu 26
evsjv‡`k e¨vsK
cÖavb Kvh©vjq
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www.bb.org.bd
www.bfiu.org.bd
gvwbjÛvwis cÖwZ‡iva AvBb, 2012 I mš¿vm we‡ivax AvBb, 2009 Ges AvBb `yÕwUi AvIZvq RvixK…Z wewagvjvi
mswkøó weavbvejx cwicvj‡b evsjv‡`‡k Kvh©iZ mKj Zdwmwj e¨vs‡Ki Rb¨ AbymiYxq wbgœewY©Z wb‡`©kbvmg~n
gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi 23(1)(N) I mš¿vm we‡ivax AvBb, 2009 Gi 15(1)(N) avivq cÖ`Ë
ÿgZve‡j Rvix Kiv n‡jv:
1| cwicvjb KvVv‡gv :
1.1 gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjv :
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a AvšÍR©vwZK gvb`Û, †`‡k we`¨gvb AvBb, wewagvjv I evsjv‡`k
dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU (weGdAvBBD) KZ©„K RvixK…Z wb‡`©kbvejxi mgš^‡q cÖwZwU e¨vs‡Ki wbR¯^
bxwZgvjv _vK‡e; hv e¨vs‡Ki cwiPvjK cl©` ev cÖ‡hvR¨ †ÿ‡Î m‡ev©”P e¨e¯’vcbv KwgwU Aby‡gv`b Ki‡e| e¨vsK
D³ bxwZgvjv mswkøó mK‡ji AeMwZ‡Z Avb‡e I ev¯Íevq‡bi Rb¨ cÖ‡qvRbxq c`‡ÿc MÖnY Ki‡e| GQvov e¨vsK
wbR¯^ SzuwK e¨e¯’vcbvi Ask wn‡m‡e mgq mgq bxwZgvjvwU ch©v‡jvPbv Ki‡e I cÖ‡hvR¨ †ÿ‡Î, ms‡kvab ev
cwigvR©b Ki‡e|
1.2 gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a e¨e¯’vcbv KZ©„c‡ÿi A½xKvi †NvlYv:
(1) cÖwZwU e¨vs‡Ki cwiPvjK cl©`, m‡ev©”P wbev©nx Ges Ab¨vb¨ EaŸ©Zb Kg©KZ©vMY gvwbjÛvwis I mš¿vmx Kv‡h©
A_v©qb cÖwZ‡iv‡a Dch©y³ AvBb I wewagvjvq ewY©Z Zv‡`i wbR wbR `vwqZ¡ I KZ©‡e¨i Av‡jv‡K
cÖvwZôvwbK cwicvjb e¨e¯’v †Rvi`vi Kivi wel‡q m‡Pó _vK‡e|
(2) e¨vs‡Ki cÖavb wbe©vnx evrmwiK wfwˇZ e¨vs‡Ki mKj Kg©KZ©v/Kg©Pvix‡`i D‡Ï‡k¨ gvwbjÛvwis I mš¿vmx
Kv‡h© A_©vqb cÖwZ‡iv‡a my¯úó I Kvh©Ki A½xKvi †NvlYv Ki‡e; A½xKvi ev¯Íevq‡b h_vh_ wb‡`©kbv cÖ`vb
Ki‡e Ges cwicvjbxq welqvw`i mvwe©K ev¯Íevqb wbwðZ Ki‡e|
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1.3 cwicvjb Kg©KZ©v wb‡qvM I Ab¨vb¨ :
(1) e¨vswKs LvZ‡K gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb welqK SzuwK n‡Z gy³ ivLvi Rb¨ Ges GZ`&msµvšÍ
wel‡q we`¨gvb AvBb, wewagvjv I weGdAvBBD KZ©„K mgq mgq RvixK…Z mvKz©jvi I MvBWjvB‡b ewY©Z
wb‡`©kbvejx h_vh_fv‡e cwicvjbv‡_© cÖwZwU e¨vs‡K wb¤œiƒc e¨e¯’vw` _vK‡Z n‡e :
(K) cÖwZwU e¨vsK GKRb ÔEaŸ©Zb Kg©KZ©viÕ †bZ…‡Z¡ cÖavb Kvh©vj‡q GKwU Ô‡K›`ªxq cwicvjb KwgwUÕ
(Central Compliance Committee) cªwZôv Ki‡e; Av‡jvP¨ KwgwU mivmwi e¨vs‡Ki e¨e¯’vcbv
cwiPvjK ev cÖavb wbe©vnx Kg©KZ©vi wbKU wi‡cvU© Ki‡e| DwjøwLZ ÔEaŸ©Zb Kg©KZ©vÕ cÖavb
gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v (Chief Anti Money Laundering Compliance
Officer-CAMLCO) bv‡g AwfwnZ n‡eb| G‡ÿ‡Î ÔEaŸ©Zb Kg©KZ©vÕi c`gh©v`v e¨vs‡Ki
e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©vi (02) `yB av‡ci bx‡P n‡e bv| Z‡e we‡`kx e¨vs‡Ki
†ÿ‡Î D³ ÔEaŸ©Zb Kg©KZ©vÕ‡K Aek¨B m‡ev©”P e¨e¯’vcbv KwgwUi (Management Committee)
m`m¨ n‡Z n‡e| cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi cwieZ©b n‡j Awej‡¤^ Zv
weGdAvBBD-‡K AewnZ Ki‡Z n‡e| cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v‡K e¨vs‡Ki Ab¨
‡Kv‡bv `vwqZ¡ Ac©‡Yi c~‡e© e¨e¯’vcbv KZ©„cÿ‡K wbwðZ n‡Z n‡e †h, Gi d‡j e¨vsKwUi gvwbjÛvwis
I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK Kvh©µg wewNœZ n‡e bv|
(L) cÖwZwU e¨vs‡K ‡K›`ªxq cwicvjb KwgwUi mvwPweK `vwqZ¡ cvjb Ges gvwbjÛvwis I mš¿vmx Kv‡h©
A_©vqb cÖwZ‡iv‡a cwicvjbxq welqmg~n m¤úv`‡bi j‡ÿ¨ e¨vs‡Ki kvLvi msL¨v, e¨emv‡qi we¯Í…wZ
I cwiwa, MÖvnK msL¨v I cÖvwZôvwbK SzuwK BZ¨vw` we‡ePbvq Dchy³ msL¨K Kg©KZ©vi mgš^‡q
GKwU gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefvM (†h bv‡gB AwfwnZ Kiv †nvK) _vK‡e;
D³ wefv‡Mi cÖavb wn‡m‡e DccÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v (Deputy Chief
Anti Money Laundering Compliance Officer:DCAMLCO) `vwqZ¡ cvjb Ki‡eb|
D‡jøL¨, DCAMLCO c‡` ÔDcgnve¨e¯’vcKÕ ev Ôwmwbqi fvBm †cÖwm‡W›UÕ Gi bx‡P †Kvb
Kg©KZ©v‡K c`vqb Kiv hv‡e bv|
(M) ‡K›`ªxq cwicvjb KwgwU gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb msµvšÍ SzuwK cÖwZ‡iv‡a e¨vs‡Ki wbR¯^
bxwZgvjvi AvIZvq cÖvwZôvwbK †K․kj I Kg©m~Px wba©viY Ki‡e Ges mgq mgq Zv ch©v‡jvPbv
Ki‡e| ‡K›`ªxq cwicvjb KwgwU Ges cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi ZË¡veav‡b
gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva wefvM evwl©K wfwˇZ gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb
cÖwZ‡iva Kg©m~Pxi ev¯Íevqb wbwðZ Ki‡e|
(N) cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v I DccÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD KZ©„K
mgq mgq RvixK…Z wb‡`©kbvejx I GZ`&wel‡q AvšÍR©vwZK gvb`Ûmg~‡ni Dci mg¨K aviYv _vK‡Z
n‡e|
(O) gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefvM Gi Kvh©vejx Ges ‡K›`ªxq cwicvjb KwgwU,
KwgwUi m`m¨, cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v I DccÖavb gvwbjÛvwis cÖwZ‡iva
cwicvjb Kg©KZ©vi `vwqZ¡ I KZ©e¨ mywbw`©ófv‡e wba©vwiZ _vK‡Z n‡e|
(P) ‡K›`ªxq cwicvjb KwgwU b~¨bZg 7(mvZ) m`m¨ wewkó n‡e; hv‡Z cÖavb gvwbjÛvwis cÖwZ‡iva
cwicvjb Kg©KZ©v I DccÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vmn e¨vs‡Ki wewfbœ wefv‡Mi
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(‡hgb: wnDg¨vb wi‡mv‡m©m wWwfkb, †µwWU wWwfkb, wi‡Uj I K‡cv©‡iU e¨vswKs wWwfkb, d‡ib
G·‡PÄ wWwfkb, Acv‡ikb wWwfkb, KvW© wWwfkb, AvBwU wWwfkb BZ¨vw` ev Abyiƒc wefvMmg~n)
cÖavb A_ev EaŸ©Zb Kg©KZ©vMY m`m¨ n‡eb| Z‡e Af¨šÍixY wbixÿv wefv‡Mi ‡Kv‡bv Kg©KZ©v
‡K›`ªxq cwicvjb KwgwUi m`m¨ n‡Z cvi‡e bv| ‡K›`ªxq cwicvjb KwgwU I Af¨šÍixY wbixÿv wefvM
m¤ú~Y© Avjv`vfv‡e Zv‡`i Dci Awc©Z gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK `vwqZ¡
cvjb Ki‡e|
(Q) ‡K›`ªxq cwicvjb KwgwU ‣ÎgvwmK wfwˇZ eQ‡i AšÍZ 4(Pvi)wU mfv Ki‡e| Z‡e cÖ‡qvR‡b KwgwU
†h †Kvb mgq †h †Kvb msL¨K mfv Avnevb Ki‡Z cvi‡e| D³ mfvq e¨vs‡Ki gvwbjÛvwis I mš¿vmx
Kv‡h© A_©vqb cÖwZ‡iva cwicvj‡bi mvwe©K Ae¯’v ch©v‡jvPbvc~e©K cÖ‡qvRbxq wm×všÍ MÖnY Ges
AbymiYxq wb‡`©kbv cÖ`vb Ki‡e|
(2) †K›`ªxq cwicvjb KwgwU gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q e¨vs‡Ki M„nxZ c`‡ÿc, G
wel‡q ev¯Íevqb AMÖMwZ I mycvwik m¤^wjZ cÖwZ‡e`b lvb¥vwmK wfwˇZ (Rvbyqvwi-Ryb, RyjvB-wW‡m¤^i)
e¨vs‡Ki cÖavb wbe©vnx, cÖ‡hvR¨ †ÿ‡Î, cwiPvjbv cl©‡`i AeMwZ I wb‡`©kbvi Rb¨ `vwLj Ki‡e| D³
cÖwZ‡e`‡b G mvKz©jv‡ii 8.3 G ewY©Z welqmg~nmn gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q
weGdAvBBD KZ…©K ‡Kv‡bv e¨e¯’v M„nxZ n‡q _vK‡j Zv AšÍfz©³ Ki‡e| cÖavb wbe©vnxi wb‡`©kbv I
gZvgZmn cÖwZ‡e`bwU e¨vsKwUi cwiPvjbv cl©` ev m‡e©v”P e¨e¯’vcbv KwgwUi mfvq Dc¯’vcb Ki‡Z n‡e
Ges cÖwZ‡e`bwUi Kwc mswkøó lvb¥vwmK †kl nIqvi 2(`yB) gv‡mi g‡a¨ weGdAvBBD eivei †cÖiY
Ki‡e|
(3) †K›`ªxq cwicvjb KwgwUi wb‡`©kbv Abymv‡i gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefvM
kvLvmg~‡ni Rb¨ AbymiYxq wb‡`©kbvejx Rvix Ki‡e; hv‡Z gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a
MÖvnK cwiwPwZ MÖnY, †jb‡`b cixÿY e¨e¯’v, Af¨šÍixY wbqš¿Y e¨e¯’v Ges GZ`&msµvšÍ Ab¨vb¨
cwicvjbxq bxwZ I c×wZmg~n AšÍfz©³ _vK‡e|
(4) ‡K›`ªxq cwicvjb KwgwU kvLv ch©v‡q cwicvjb Kg©KZ©v g‡bvbq‡bi gva¨‡g Af¨šÍixY cwiexÿY I wbqš¿Y
e¨e¯’v cªwZôv Ki‡e| G‡ÿ‡Î, cÖwZwU kvLvq GKRb AwfÁ Kg©KZ©v‡K kvLv gvwbjÛvwis cÖwZ‡iva
cwicvjb Kg©KZv© (Branch Anti Money Laundering Compliance Officer-BAMLCO)
wn‡m‡e g‡bvbxZ Ki‡e| D‡jøL¨, kvLv e¨e¯’vcK, kvLvi wØZxq Kg©KZ©v A_ev ‡Rbv‡ij e¨vswKs/d‡ib
G·‡PÄ/†µwWU BZ¨vw` wefv‡Mi `vwqZ¡cÖvß AwfÁ EaŸ©Zb Kg©KZ©v‡K kvLv gvwbjÛvwis cÖwZ‡iva
cwicvjb Kg©KZv© wn‡m‡e g‡bvbqb w`‡Z n‡e| kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi gvwbjÛvwis
I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD Gi mKj wb‡`©kbv Ges
e¨vs‡Ki wbR¯^ bxwZgvjvi wel‡q mg¨K aviYv _vK‡Z n‡e| kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv©i
g‡bvbqbc‡Î Zvi Kg©©cwiwa I `vq-`vwqZ¡ mywbw`©ófv‡e D‡jøL _vK‡Z n‡e|
(5) kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZv© kvLvi Ab¨vb¨ mswkøó Kg©KZ©v‡`i wb‡q •ÎgvwmK wfwˇZ
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK mfv Ki‡e Ges D³ mfvq wb‡¤œv³ welqmg~nmn
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a we`¨gvb AvBb, wewagvjv I weGdAvBBD Gi Ab¨vb¨
wb‡`©kbvi Av‡jv‡K kvLvi cwicvjb Ae¯’v ch©v‡jvPbvc~e©K h_vh_ e¨e¯’v MÖnY Ki‡e :
MÖvnK cwiwPwZ;
‡jb‡`b cixÿY (Transction Monitoring);
m‡›`nRbK †jb‡`b ev Kvh©µg wPwýZKiY I wi‡cvwU©s;
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¯’vbxq Sanction List mn RvwZms‡Ni wbivcËv cwil‡`i ‡iRy‡jkbmg~‡ni ev¯Íevqb;
†mj&d G¨v‡mm‡g›U msµvšÍ Kvh©µg;
‡iKW© msiÿY;
cÖwkÿY BZ¨vw`|
kvLv cwicvjb Kg©KZv© •ÎgvwmK mfvi Kvh©weeiYx gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefvM eive‡i
†cÖiY Ki‡e|
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3.2 SzuwK wfwËK e¨e¯’v (Risk Based Approach) :
(K) evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU KZ©„K RvixK…Z ML/TF Risk Assessment Guidelines for
Banking Sector Gi wb‡`©kbv Abymv‡i wbw`©ó mgq AšÍi cÖwZwU e¨vsK gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb
msµvšÍ wbR¯^ SzuwK wbiƒcY Ki‡e| D³ SzuwK wbiƒc‡Yi †ÿ‡Î e¨emv‡qi cÖK…wZ, MÖvnK, cY¨ ev †mev, †`k Ges
†f․MwjK Ae¯’vb BZ¨vw` we‡eP¨ n‡e| Av‡jvP¨ SzuwK wbiƒcY cÖwZ‡e`b e¨vs‡Ki gvwbjÛvwis I mš¿vmx Kv‡h© A_v©qb
SzuwK cÖwZ‡iv‡a e¨eüZ n‡e|
(L) SzuwK wbiƒcY cÖwZ‡e`b Abymv‡i †h ‡ÿ‡Î gvwbjÛvwis, mš¿vm ev mš¿vmx Kv‡h© A_©vq‡bi D”P SzuwK wPwýZ n‡e,
†m ‡ÿ‡Î e¨vsK‡K AwaKZi mZK©Zvg~jK e¨e¯’v (Enhanced Due Diligence) MÖnY Ki‡Z n‡e|
(M) SzuwK wbiƒcY cÖwZ‡e`b Abymv‡i †h ‡ÿ‡Î gvwbjÛvwis, mš¿vm ev mš¿vmx Kv‡h© A_©vq‡bi wb¤œ SzuwK wPwýZ n‡e ev
wb¤œ SzuwKi wb‡`©k‡Ki mv‡_ mvgÄm¨c~Y© n‡e, †m ‡ÿ‡Î e¨vsK mnRZi mZK©Zvg~jK e¨e¯’v (Simplified Due
Diligence) MÖnY Ki‡Z cvi‡e|
(N) we`¨gvb MÖvn‡Ki SzuwK, ¸iæZ¡ I cÖvmw½KZv we‡ePbvq cÖwZwU e¨vsK cÖ‡qvRbxq mZK©Zvg~jK e¨e¯’v (Due
Diligence) MÖnY Ki‡e| GQvov c~‡e© KLb mZK©Zvg~jK e¨e¯’v MÖnY Kiv n‡qwQj Ges Kx ai‡Yi ev Kx cwigvY
Z_¨ msMÖn Kiv n‡qwQj Zv we‡ePbvq we`¨gvb MÖvn‡Ki wel‡q mZK©Zvg~jK e¨e¯’v MÖnY ev cybg©~j¨vqb Kivi mgq
wbav©iY Ki‡e|
3.3 MÖvnK cwiwPwZ (Know Your Customer-KYC) :
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK e¨e¯’vcbvq MÖvn‡Ki cwiwPwZ MÖnY I hvPvB cÖwµqvi ‡ÿ‡Î wb‡¤œv³
welqvejxi cwicvjb wbwðZ Ki‡Z n‡e :
(1) MÖvn‡Ki wnmve †Lvjvi †ÿ‡Î evsjv‡`k e¨vs‡Ki e¨vswKs cÖwewa I bxwZ wefvM KZ©„K RvixK…Z wnmve †Lvjvi
dig e¨envi Ki‡Z n‡e| Z‡e AvaywbK cÖhyw³i e¨envi myweavRbK we‡ePbvq, cÖ‡hvR¨ †ÿ‡Î, weGdAvBBD
KZ©„K RvixK…Z Guidelines on Electronic Know Your Customer (e-KYC) G ewY©Z AvaywbK
cÖhyw³i e¨envi ev mnvqZv MÖnY Ki‡Z n‡e| †h ‡ÿ‡Î B‡jKUªwbK gva¨g e¨envi K‡i wnmve †Lvjv m¤¢e
n‡e bv †m ‡ÿ‡Î nvW© Kwc wnmve †Lvjvi dig e¨envi Kiv hv‡e|
(2) MÖvn‡Ki cwiwPwZi c~Y©v½ I mwVK Z_¨ msMÖn Ki‡Z n‡e| e¨vswKs e¨e¯’v hv‡Z gvwbjÛvwis ev mš¿vmx Kv‡h©
A_©vq‡bi SzuwKi m¤§yLxb bv nq Zv wbwðZ Kivi Rb¨ cÖwZwU e¨vsK‡K MÖvnK KZ©„K wnmve †Lvjvi D‡Ïk¨
m¤ú‡K© mg¨K aviYv Ges MÖvnK cwiwPwZ m¤úwK©Z Z_¨ ev DcvË hvPvB cÖwµqv m¤úv`b Ki‡Z n‡e|
GBiƒc c~Yv©½ I mwVK Z_¨ MÖnY ev msiÿ‡Yi †ÿ‡Î c~Y©v½ ej‡Z wnmv‡ei Av‡e`bKvix ev wnmveavix
MÖvn‡Ki cwiwPwZ hvPvBK‡í cÖ‡qvRbxq mKj Z‡_¨i mwbœ‡ek‡K eySv‡e| Aciw`‡K mwVK ej‡Z c~Y©v½ GB
iƒc Z_¨ eySv‡e hvi mwVKZv wbf©i‡hvM¨ I wbi‡cÿ Drm n‡Z hvPvB Kiv n‡q‡Q;
(2) hw` MÖvn‡Ki c‡ÿ Ab¨ ‡Kv‡bv e¨w³ wnmve cwiPvjbv K‡i †m‡ÿ‡Î D³ e¨w³ h_vh_fv‡e ÿgZvcÖvß wKbv
Zv wbwðZ n‡q Zvi cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn Ki‡Z n‡e;
(3) Uªvw÷ I †ckv`vi ga¨¯’ZvKvix KZ©„K MÖvn‡Ki c‡ÿ cwiPvwjZ wnmv‡ei †ÿ‡Î Zv‡`i AvBbMZ Ae¯’vb
ch©v‡jvPbv I Zvi h_v_©Zv wbiƒcYc~e©K mswkøó mK‡ji cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn Ki‡Z n‡e; Ges
(4) wnmveavix e¨wZZ Aci KvD‡K (Walk-in Customer) †jb‡`b myweav cÖ`v‡bi †ÿ‡Î (‡hgbt wWwW,
wUwU, GgwU, †c-AWv©i ev AbjvBb †jb‡`b BZ¨vw`) G mvKz©jv‡ii Ab¨vb¨ Aby‡”Q‡` ewY©Z wb‡`©kbv AbymiY
Ki‡Z n‡e| G‡ÿ‡Î Walk-in Customer ej‡Z e¨vsK wnmveavix bb Ggb MÖvnK †K eySv‡e|
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3.4 MÖvnK m¤úwK©Z mZK©Zvg~jK e¨e¯’v (Customer Due Diligence-CDD) :
MÖvnK m¤úwK©Z mZK©Zvg~jK e¨e¯’v ev CDD ej‡Z wbf©i‡hvM¨ I wbi‡cÿ Drm n‡Z cÖvß Z_¨, DcvË I
`wjjvw`i wfwˇZ MÖvn‡Ki (e¨w³ A_ev mËv) cwiwPwZ wbwðZKiY, msM„nxZ cwiwPwZg~jK Z_¨ ev Dcv‡Ëi
mwVKZv Ges A‡_©i Drm hvPvBKiYmn wnmv‡ei cwiwPwZg~jK Z_¨ ev DcvË I †jb‡`b wbqwgZfv‡e (On-
going) cixÿY Kiv‡K eySv‡e| D‡jøL¨ †h, MÖvn‡Ki h_vh_ cwiwPwZ MÖnY I hvPvBKiY (KYC), CDD cÖwµqvi
GKwU Ask|
(1) MÖvnK mswkøó SzuwK we‡ePbvq wb¤œewY©Z wewfbœ ch©v‡q CDD m¤úv`b Ki‡Z n‡e-
(K) MÖvn‡Ki mv‡_ m¤úK© ¯’vc‡bi mgq;
(L) IqvK-Bb Kv÷gvi (Walk-in Customer) KZ©„K m¤úvw`Z 5,00,000/-(cvuP jÿ) UvKv ev
Z`~aŸ© g~‡j¨i AwbqwgZ (Occasional) †jb‡`‡bi mgq;
(M) Iq¨vi UªvÝdv‡ii gva¨‡g AwbqwgZ (Occassional) ‡jb‡`b m¤úv`‡bi mgq;
(N) hLb m‡›`n Kivi h‡_ó KviY _vK‡e †h B‡Zvc~‡e© MÖvn‡Ki cwiwPwZi wbwgË †hme Z_¨ ev
`wjjvw` msMÖn Kiv n‡q‡Q Zv ch©vß ev mwVK bq; Ges
(O) ‡Kv‡bv †jb‡`b gvwbjÛvwis ev mš¿vmx Kv‡h© A_©vq‡bi mv‡_ RwoZ g‡g© m‡›`n n‡j Ges G‡ÿ‡Î
CDD m¤úv`‡bi d‡j Z‡_¨i †MvcbxqZv dvum (Tipping-Off) nevi m¤¢vebv _vK‡j CDD
m¤úv`b bv K‡iB m‡›`nRbK †jb‡`b/Kvh©µg cÖwZ‡e`b `vwLj Ki‡Z n‡e|
(2) MÖvn‡Ki cwiwPwZ Ges e¨vs‡Ki mv‡_ m¤úK© ¯’vc‡bi AšÍwb©wnZ D‡Ïk¨ I e¨emv‡qi aiY m¤ú‡K© wbwðZ
nIqvi Rb¨ cÖ‡Z¨K e¨vsK Zv‡`i mš‘wó mv‡c‡ÿ ch©vß Z_¨ msMÖn Ki‡e| D‡jøL¨, e¨vsK KZ©„K m¤úvw`Z
Av‡jvP¨ CDD Kvh©µg wbqwgZfv‡e (On-going) ch©v‡jvPbv Ki‡Z n‡e|
(3) MÖvn‡Ki e¨emv‡qi aiY, SyuwKi gvÎv I aiY ev cÖ‡hvR¨ †ÿ‡Î A‡_©i Dr‡mi mv‡_ AmvgÄm¨Zv wPwýZ
Kivi wbwgË On-going CDD Kvh©µg cwiPvjbv Ki‡Z n‡e| D”P SzuwK m¤úbœ MÖvn‡Ki we`¨gvb Z_¨vw`
wbqwgZ g~j¨vqb, ch©v‡jvPbv ev cixÿv wbixÿvc~e©K nvjbvMv` Ki‡Z n‡e|
(4) MÖvnK ev cÖK…Z myweav‡fvMxi cwiwPwZg~jK Z_¨ ev Dcv‡Ëi mwVKZv e¨emvwqK m¤úK© ¯’vc‡bi mgq ev
wnmve †Lvjvi ci D³ wnmve n‡Z A_© D‡Ëvj‡bi c~‡e©B hvPvB Ki‡Z n‡e| Z‡e AwbqwgZ MÖvn‡Ki †ÿ‡Î
Giƒc Kvh©µg †jb‡`b cwiPvjbvKv‡jB MÖnY Ki‡Z n‡e| †h ‡ÿ‡Î gvwbjÛvwis I mš¿vmx Kv‡h© A_©vq‡bi
SzuwK wb¤œ ev wPwýZ SzuwK wbqš¿‡Yi e¨e¯’v we`¨gvb A_ev †h ‡ÿ‡Î e¨emvwqK m¤úK© wewNœZ ev wew”Qbœ Kivi
cÖ‡qvRb ‡bB, †m ‡ÿ‡Î m¤úK© ¯’vc‡bi ci `ªæZZg mg‡q cwiwPwZg~jK Z_¨ ev Dcv‡Ëi mwVKZv hvPvB
Ki‡Z n‡e|
(5) cÖwZwU wnmv‡ei cÖK„Z myweav‡fvMx (Beneficial Owner) kbv³ Ki‡Z n‡e| e¨vs‡Ki mš‘wó mv‡c‡ÿ
wbf©i‡hvM¨ I wbi‡cÿ m~Î n‡Z msM„nxZ Z‡_¨i wfwˇZ wnmv‡ei cÖK„Z myweav‡fvMxÕi cwiwPwZ wbwðZ
Ki‡Z n‡e| G‡ÿ‡Î wb‡¤œv³ welqvejx we‡eP¨ n‡e:
(K) hw` ‡Kv‡bv MÖvnK Ab¨ ‡Kv‡bv e¨w³i c‡ÿ wnmve cwiPvjbv K‡i, ‡m †ÿ‡Î MÖvnK QvovI D³
e¨w³i cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e;
(L) AvcvZt`„wó‡Z ‡Kv‡bv e¨w³ hw` ‡Kv‡bv MÖvnK‡K cÖZ¨ÿ ev c‡ivÿfv‡e wbqš¿Y ev cÖfvweZ K‡i
g‡g© cÖZxqgvb nq Z‡e †m †ÿ‡Î D³ e¨w³i cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY
Ki‡Z n‡e;
6
(M) ‡Kv¤úvbxi †ÿ‡Î whwb/hv‡`i D³ †Kv¤úvbxi Dci wbqš¿Y ev gvwjKvbvi ¯^v_© (Controlling
/ownership interest) i‡q‡Q, wZwb/Zv‡`i cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY
Ki‡Z n‡e ;
(N) Dchy©³ (L) I (M) `dvi wb‡`©kbv c~iYK‡í ‡Kv‡bv e¨w³ (Natural Person) wPwýZ Kiv m¤¢e bv
n‡j EaŸ©Zb e¨e¯’vcbv Kg©KZv©i c‡` Avmxb mswkøó Ggb e¨w³i cwiPq kbv³KiYc~e©K Zvi
mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e; Ges
(O) wnmv‡ei cÖK„Z myweav‡fvMx wba©viY I Z`&‡cÖwÿ‡Z M„nxZ c`‡ÿcmg~n MÖn‡Yi †ÿ‡Î weGdAvBBD
KZ©„K RvixK…Z Guidelines on Beneficial Ownership G ewY©Z welqvejx AbymiY Kiv
hv‡e|
3.5 MÖvnK m¤úwK©Z mnRZi mZK©Zvg~jK e¨e¯’v (Simplified Customer Due Diligence) :
wb‡¤œv³ †ÿ‡Î MÖvnK m¤úwK©Z mnRZi mZK©Zvg~jK e¨e¯’v MÖnY Kiv hv‡e :
(K) IqvK-Bb Kv÷gvi (Walk-in Customer) KZ©„K AbyaŸ© 50,000/-(cÂvk nvRvi) UvKv
†jb‡`‡bi ‡ÿ‡Î †cÖiYKvix ev Av‡e`bKvix I cÖvcK ev ‡ewbwdwmqvwii bvg I wVKvbv Ges
†cÖiYKvix ev Av‡e`bKvixi †Uwj‡dvb b¤^i msMÖn Ki‡Z n‡e;
(L) †Kv‡bv †jb‡`b 50,000/-(cÂvk nvRvi) UvKv Gi AwaK ev 5,00,000/- (cvuP jÿ) UvKv Gi
bx‡P n‡j (K) Aby‡”Q‡` ewY©Z Z_¨vw`i cvkvcvwk †cÖiYKvix ev Av‡e`bKvix ev RgvKvix ev
D‡ËvjbKvixi Qwehy³ AvBwW Gi Kwc mZ¨qbmn msMÖn Ki‡Z n‡e;
(M) Avw_©K AšÍf©yw³i (Financial Inclusion) D‡Ï‡k¨ wb¤œ SzuwK A_ev wb¤œ SzuwKi wb‡`©kK m¤úbœ
wnmve ‡Lvjv ev cwiPvjbvi ‡ÿ‡Î (miKvix mvgvwRK wbivcËv fvZv wnmve, ¯‥zj Qv‡Îi wnmve,
K…l‡Ki wnmve Ges Ab¨vb¨ No-Frill Account); Ges
(N) Guidelines on e-KYC G ewY©Z MÖvnK m¤úwK©Z mnRZi mZK©Zvg~jK e¨e¯’v G‡ÿ‡Î AbymiY
Kiv hv‡e|
7
†jb‡`b) Dci wfwË K‡i GKwU wbw`©ó ‡jb‡`‡bi aiY wbiƒcY Ki‡e Ges wbiƒwcZ ai‡Yi wfwˇZ
MÖvn‡Ki †jb‡`b cixÿY Ki‡e| e¨vsK KZ©„K wba©vwiZ ‡jb‡`‡bi ai‡Y D‡jøL‡hvM¨ nv‡i cwieZ©b ‡`Lv
†M‡j Zv AbymÜvb Ki‡e| cÖ‡hvR¨ †ÿ‡Î, ‡jb‡`‡bi AbywgZ gvÎv ms‡kvab Ki‡e A_ev m‡›`n n‡j
m‡›`nRbK †jb‡`b/Kvh©µg cÖwZ‡e`b `vwLj Ki‡e| G‡ÿ‡Î MÖvnK hv‡Z nqivwbi wkKvi bv nq †m
wel‡q e¨vsK ‡K mZK©Zv Aej¤^b Ki‡Z n‡e ;
(4) MÖvnK cwiwPwZ cÖwµqvq MÖvnK m¤úwK©Z cÖvß Z_¨mg~n nvjbvMv`KiY GKwU Pjgvb cÖwµqv| G‡ÿ‡Î,
KYC di‡g DwjøwLZ SuywK wefvRb gvb`‡Ûi Av‡jv‡K wbiƒwcZ wb¤œ SuywK m¤úbœ MÖvn‡Ki †ÿ‡Î 05
(cvuP) eQi Ges D”P SuywK m¤úbœ MÖvn‡Ki †ÿ‡Î 01 (GK) eQi ci ci nvjbvMv`KiY cÖwµqv m¤úbœ
Ki‡Z n‡e| MÖvn‡Ki cwiwPwZg~jK Z‡_¨i †h ‡Kv‡bv cwieZ©b AeMZ nIqvi mv‡_ mv‡_B Zv nvjbvMv`
Ki‡Z n‡e| GQvov wbw`©ó ‡Kv‡bv cÖ‡qvRb Abyf~Z n‡j †h ‡Kv‡bv mg‡qB MÖvn‡Ki cwiwPwZg~jK Z_¨
nvjbvMv` Kiv hv‡e| nvjbvMv`K…Z Z‡_¨i wfwˇZ cybivq Awej‡¤^ Gme wnmv‡ei SuywK wbiƒcY Ki‡Z
n‡e| GQvovI †Kvb wnmve wb¤œ SuywK n‡Z D”P SuywK‡Z ¯’vbvšÍwiZ n‡j Zv wbiƒc‡Yi c×wZI Pvjy _vK‡Z
n‡e;
(5) e¨vsK KZ©„K ‡Kv‡bv MÖvnK‡K AMÖvwaKvi myweav m¤^wjZ (Previlege) e¨vswKs †mev cÖ`vb Kivi †ÿ‡Î
CDD msµvšÍ Ab¨vb¨ wb‡`©kbv Abymi‡Yi cvkvcvwk MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v MªnY
Ki‡Z n‡e;
(6) ‡h me †`k gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡ai AvšÍR©vwZK gvb c~iY K‡iwb ev Zvrch©c~Y©
NvUwZ i‡q‡Q (‡hgb: dvBb¨vwÝqvj G¨vKkb Uv¯‥‡dv‡m©i Jurisdictions under Increased Monitoring
Ges High-Risk Jurisdictions subject to a Call for Action wn‡m‡e ZvwjKvfy³ †`k) †m me †`‡ki
‡Kv‡bv e¨w³ ev mËvi (AvBbMZ cÖwZwbwa, Avw_©K cÖwZôvbmn †h ‡Kv‡bv cÖwZôvb) mv‡_ e¨emvwqK m¤úK©
¯’vcb I eRvq ivLv Ges †jb‡`b m¤úv`‡bi ‡ÿ‡Î AwaKZi mZK©Zvg~jK e¨e¯’v MªnY Ki‡Z n‡e Ges
cÖ‡hvR¨ †ÿ‡Î FATF hvwPZ Counter Measures MÖnY Ki‡e;
(7) we‡`kx e¨vs‡Ki mv‡_ m¤úK© ¯’vc‡bi c~‡e© mswkøó †`‡ki gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva
e¨e¯’v we‡ePbvq wb‡Z n‡e;
(8) ‡Kv‡bv we‡`kx ev Awbevmx evsjv‡`kxi wnmve †Lvjvi †ÿ‡Î G mvKz©jv‡ii AwZwi³ wn‡m‡e Foreign
Exchange Regulation Act, 1947 Gi weavbvejx I Gi AvIZvq evsjv‡`k e¨vsK KZ…©K RvixK…Z
wb‡`©kbvmg~n AbymiYxq n‡e; Ges
(9) •e‡`wkK evwYR¨ m¤úwK©Z wnmve ev †jb‡`‡bi †ÿ‡Î weGdAvBBD KZ…©K RvixK…Z Guidelines for
Prevention of Trade Based Money Laundering Gi wb‡`©kbv AbymiY Ki‡Z n‡e|
8
3.7 CDD m¤úv`b Kiv m¤¢e bv n‡j e¨vs‡Ki KiYxq :
MÖvn‡Ki Amn‡hvwMZvc~Y© AvPi‡Yi Kvi‡Y A_ev MÖvn‡Ki wel‡q msM„nxZ Z_¨/DcvË wbf©i‡hvM¨ bv n‡j A_©vr MÖvnK
cwiwPwZi m‡šÍvlRbK Z_¨ cÖvwß Ges Zv hvPvB mv‡c‡ÿ CDD m¤úv`b Kiv m¤¢e bv n‡j e¨vsK cÖ‡qvR‡b wb¤œiƒc
e¨e¯’v MÖnY Ki‡Z cvi‡e :
(1) e¨vsK D³iƒc MÖvn‡Ki wnmve Lyj‡e bv, e¨emvwqK m¤úK© ïiæ Ki‡e bv, †jb‡`b m¤úv`b Ki‡e bv ev
e¨emvwqK m¤úK© evwZj Ki‡e;
(2) kvLv Dchy©³ wnmve bv †Lvjv ev eÜ Kiv msµvšÍ Z_¨ msiÿYc~e©K gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva
wefv‡M †cÖiY Ki‡e| cÖ‡qvR‡b gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva wefvM Gme Z_¨ Ab¨vb¨ mKj
kvLvi AeMwZ‡Z ‡bqvi e¨e¯’v MÖnY Ki‡e; Ges
(3) †ÿÎgZ, Giƒc MÖvnK, m¤¢ve¨ MÖvnK, cÖZ¨vLvZ e¨w³ ev mËv m¤^‡Ü m‡›`nRbK †jb‡`b ev m‡›`nRbK
Kvh©µg cÖwZ‡e`b `vwL‡ji welqwU we‡ePbv Ki‡e|
(4) Z‡e mgv‡Ri cðvrc` ev Giƒc we‡kl †Kv‡bv Rb‡Mvôxi wnmve †Lvjv I cwiPvjbvq weGdAvBBD
cÖ‡hvR¨‡ÿ‡Î, mg‡q mg‡q, wb‡`©kbv Rvix Ki‡e|
3.10 cwjwUK¨vwj G·‡cvRW cvm©b (Politically Exposed Persons -PEPs) Gi †ÿ‡Î KiYxq:
PEPs2 Gi wnmve ‡Lvjv I cwiPvjbvq cÖ‡hvR¨ †ÿ‡Î, G mvK©yjv‡i ewY©Z cÖ‡hvR¨ wb‡`©kbv Abymi‡Yi cvkvcvwk
wb‡gœv³ e¨e¯’vw` MÖnY Ki‡Z n‡e :
1
cÖfvekvjx e¨w³ ej‡Z Òindividuals 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 officialsÓ ‡K eySv‡e|
2
Politically Exposed Persons (PEPs) ej‡Z Òindividuals 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 officialsÓ ‡K eySv‡e | 1-2 bs µwg‡Ki Drm: dvBb¨vwÝqvj G¨vKkb Uv¯‥‡dv‡m©i mycvwikmg~n|
9
(1) e¨vsK‡K Zv‡`i MÖvnK ev wnmv‡ei cÖK…Z myweav‡fvMx PEPs wKbv Zv wbav©iY Kivi Rb¨ Dchy³ c×wZ MÖnY
(†hgbt Db¥y³ Z‡_¨i Drm, wewfbœ WvUv‡eR e¨envi BZ¨vw`);
(2) PEPs Gi mv‡_ e¨emvwqK m¤úK© ¯’vcb ev we`¨gvb m¤úK© Ae¨vnZ ivLvi ‡ÿ‡Î e¨vs‡Ki cÖavb
gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©vi Aby‡gv`b MªnY;
(3) Dc‡iv³ (1) I (2) G ewY©Z e¨e¯’vw` MÖnY Kiv QvovI G mvKz©jv‡ii 3.8 Aby‡”Q‡`i (1) n‡Z (3) `dvq
ewY©Z MÖvnK m¤úwK©Z AwaKZi mZK©Zvg~jK e¨e¯’v MªnY; Ges
(4) PEPs Gi cwiev‡ii m`m¨ I Zv‡`i mv‡_ wbweofv‡e m¤úwK©Z e¨w³i (close associates) ‡ÿ‡ÎI
Dc‡i DwjøwLZ wb‡`©kbvmg~n cÖ‡hvR¨ n‡e| G Aby‡”Q‡` DwjøwLZ Ô PEPsÕ wn‡m‡e ‡Kv‡bv ga¨g ev Aat¯Íb
(Middle ranking or more junior individuals) ch©v‡qi e¨w³ we‡ewPZ n‡e bv|
10
(5) ‡h me †`k gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a AvšÍR©vwZK gvb c~iY K‡iwb ev Zvrch©c~Y© NvUwZ
i‡q‡Q (‡hgb: dvBb¨vwÝqvj G¨vKkb Uv¯‥‡dv‡m©i Jurisdictions under Increased Monitoring Ges
High-Risk Jurisdictions subject to a Call for Action wn‡m‡e ZvwjKvfy³ †`k) †m me †`‡ki
e¨vs‡Ki mv‡_ K‡imc‡Û›U e¨vswKs m¤úK© ¯’vcb ev eRvq ivLvi wel‡q AwaKZi mZK©Zvg~jK e¨e¯’v MªnY
Ki‡Z n‡e| cÖ‡hvR¨ †ÿ‡Î FATF Av‡ivwcZ Counter Measures ev¯Íevq‡bi Dchy³ I Kvh©Ki e¨e¯’v
MÖnY Ki‡Z n‡e| Gme e¨vs‡Ki cÖK…Z myweav‡fvMx Ges gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a
Zv‡`i bxwZ I c×wZ m¤ú‡K© we¯ÍvwiZ Z_¨ msMÖn Ki‡Z n‡e;
(6) †h mKj †imc‡Û›U e¨vsK Zv‡`i MÖvnK‡`i‡K K‡imc‡ÛU e¨vs‡Ki gva¨‡g mivmwi †jb‡`b m¤úv`b
Kivi my‡hvM cÖ`vb K‡i _v‡K (A_©vr Payable through accounts) Zv‡`i mv‡_ K‡imc‡Û›U e¨vswKs
m¤úK© ¯’vc‡bi ‡ÿ‡Î -
(K) †imc‡Û›U e¨vsK KZ©„K Zv‡`i MÖvn‡Ki CDD h_vh_fv‡e m¤úv`b Kivi welqwU wbwðZ n‡Z
n‡e; Ges
(L) K‡imc‡ÛU e¨vs‡Ki Aby‡iv‡ai †cÖwÿ‡Z †imc‡Û›U e¨vsK KZ©„K mswkøó MÖvn‡Ki CDD welqK
Z_¨vw` mieivn Kiv m¤¢e g‡g© wbwðZ n‡Z n‡e|
(7) we`¨gvb mKj K‡imc‡Û›U e¨vswKs m¤úK© mgq mgq cybg©~j¨vqb Ki‡Z n‡e Ges D³ †ÿ‡ÎI G mvKz©jv‡i
ewY©Z wb‡`©kbvejx cÖ‡hvR¨ n‡e|
3
hvPvB cÖwµqv Gi g‡a¨ wb‡qv‡Mi Rb¨ wbev©wPZ G‡R‡›Ui e¨w³MZ Z_¨vejx Ges Acivag~jK Kv‡Ri m¤ú„³Zv Av‡Q wKbv Zv hvPvB‡qi welqvejx AšÍfy©³
_vK‡e|
11
(O) evwl©K wfwˇZ D”P SzuwK m¤úbœ G‡R›U‡`i gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva cwicvjb
Ae¯’v hvPvB‡qi wbwgË cwi`k©b/wbixÿv Kvh©µg cwiPvjbvKiY Ges G msµvšÍ cÖwZ‡e`b
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefv‡M †cÖiY;
(P) ga¨g I wb¤œ SzuwK m¤^wjZ G‡R›U‡`i cwi`k©b/wbixÿv Kvh©µg cÖwZôvb KZ©„K wbav©wiZ weiwZ‡Z
m¤úbœKiY;
(Q) G‡R›U‡`i nvjbvMv` (Rvbyqvwi-Ryb wfwËK) ZvwjKv wbR¯^ I‡qemvB‡U cÖKvk;
(R) wewfbœ Awf‡hvM/Awbq‡gi wfwˇZ evwZjK…Z G‡R›U‡`i GKwU Avjv`v ZvwjKv (Rvbyqvwi-Ryb
wfwËK) wbR¯^ I‡qemvB‡U cÖKvk; Ges
(S) G‡R›U e¨vswKs Gi †ÿ‡Î weGdAvBBD KZ©„K RvixK…Z Guidelines on e-KYC Gi cÖ‡hvR¨
wb‡`©kbv AbymiY Kiv hv‡e|
3.15 mkix‡i Abycw¯’Z Mªvn‡Ki ( Non face to face customer) †ÿ‡Î KiYxq :
e¨vsK Zv‡`i mkix‡i Abycw¯’Z MÖvn‡Ki wnmve †Lvjv ev †mev cÖ`v‡bi †ÿ‡Î gvwbjÛvwis I mš¿vmx Kv‡h© A_©vq‡bi
SzuwK wbiƒcY Ges SzuwK wbim‡bi bxwZ I c×wZ cÖYqb Ki‡e Ges mgq mgq Zv ch©v‡jvPbv Ki‡e| G ‡ÿ‡Î
weGdAvBBD KZ©„K RvixK…Z Guidelines on e-KYC Gi wb‡`©kbv AbymiY Kiv hv‡e| D‡jøL¨, mkix‡i
Abycw¯’Z MÖvnK ej‡Z H mKj MÖvnK‡K eySv‡e hviv e¨vsK kvLvq mkix‡i Dcw¯’Z bv n‡q B›Uvi‡b‡Ui gva¨‡g,
e¨vs‡Ki G‡R‡›Ui gva¨‡g ev wb‡Ri ‡ckv`vi cÖwZwbwai (AvBbRxex, GKvD›U¨v›U BZ¨vw`) gva¨‡g wnmve Ly‡j _v‡K
Ges/A_ev †jb‡`b cwiPvjbv K‡i _v‡K|
12
(2) we‡`‡k Aew¯’Z kvLv ev mvewmwWqvix cÖwZôvb hw` ‡Kv‡bv Kvi‡Y 4(1) G ewY©Z wb‡`©kbv h_vh_fv‡e
cwicvj‡b Amg_© nq Z‡e D³ cÖwZôvb gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK e¨e¯’vcbvi Rb¨
cÖ‡hvR¨ e¨e¯’v MÖnY Ki‡e Ges AcviMZvi KviY Awej‡¤^ weGdAvBBD‡K AewnZ Ki‡e; Ges
(3) GB mvKz©jv‡i ewY©Z wb‡`©kbv evsjv‡`k e¨vsK KZ©„K jvB‡mÝcÖvß ‡Kv‡bv e¨vs‡Ki Off-Shore
Banking Unit (OBU) †ÿ‡ÎI cÖ‡hvR¨ n‡e|
5| ‡jb‡`b cixÿY :
m‡›`nRbK †jb‡`b kbv³Ki‡Y ‡jb‡`b cixÿ‡Yi ¸iæZ¡ we‡ePbvq cÖwZwU e¨vsK‡K AZ¨šÍ m‡PZbZv I mZK©Zvi
mv‡_ MÖvn‡Ki †jb‡`bmg~n cixÿ‡Yi †ÿ‡Î bx‡Pi welq¸‡jv Z`viKxi AvIZvq Avb‡Z n‡e :
(1) cÖwZwU e¨vsK Mªvn‡Ki †jb‡`b wbqwgZfv‡e g¨vby‡qj Ges/A_ev A‡Uv‡g‡UW c×wZ‡Z Z`viwK;
(2) mKj RwUj, A¯^vfvweK Ges AvcvZ`„wó‡Z †h mKj †jb‡`‡bi ‡Kv‡bv Avw_©K ev `„wóMÖvn¨ •ea D‡Ïk¨ †bB
Giƒc †jb‡`b AwaKZi ¸iæZ¡ mnKv‡i ch©v‡jvPbvc~e©K m‡›`nRbK †jb‡`b/Kvh©µg kbv³Ki‡Yi D‡`¨vM
MÖnY Ki‡e| GQvovI m‡›`nRbK †jb‡`b/Kvh©µg kbv³Ki‡Yi wbwgË Guidance on Reporting
Suspicious Transaction I Guidelines for Prevention of Trade Based Money Laundering
G ewY©Z wb‡`©kKmg~n we‡eP¨ n‡e;
(3) ‡jb‡`b cixÿ‡Yi †ÿ‡Î kvLvq gvwbjÛvwis cÖwZ‡iva AvBb, 2012, aviv 2(d)(C) G ewY©Z Kvh©µg
(Structuring) msMwVZ n‡”Q wK bv e¨vsKmg~n Zv kbv³Ki‡Y m‡Pó _vKv;
(4) ‡jb‡`b cixÿ‡Yi †ÿ‡Î mKj cÖKvi •e‡`wkK gy`vª i †jb‡`b I B‡jKUªwbK Dcv‡q msNwUZ mKj
†jb‡`bmg~nI we‡ePbv; Ges
(5) ‡jb‡`b cixÿ‡Yi ‡ÿ‡Î RvwZms‡Ni wbivcËv cwil‡`i mswkøó †iRy‡jkb, evsjv‡`k miKvi KZ©„K
ZvwjKvfy³ e¨w³ ev wbwl× †NvwlZ msMVb, Ges †h me †`k gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb
cÖwZ‡iv‡ai AvšÍR©vwZK gvb c~iY K‡iwb ev Zvrch©c~Y© NvUwZ i‡q‡Q †mB msµvšÍ welqvejx we‡ePbvq
†bqv|
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(4) kvLvi bM` †jb‡`b weeiYx gvwmK wfwˇZ mswkøó kvLvq msiÿY (Z‡e ‡Kv‡bv e¨vsK KZ©„K G msµvšÍ
Z_¨ †K›`ªxqfv‡e msiÿY Kiv n‡j, cÖ‡qvR‡b Zv‡Z kvLvi cÖ‡ekvwaKvi _vK‡Z n‡e);
(5) miKvwi wnmve (wewfbœ gš¿Yvjq, ¯’vbxq miKvi I miKvix wewfbœ wefvM), miKvwi gvwjKvbvaxb cÖwZôvb,
Avav miKvwi ev ¯^vqËkvwmZ cÖwZôv‡bi wnmv‡e bM` Rgvi †ÿ‡Î bM` †jb‡`b weeiYx `vwLj Kivi
cÖ‡qvRb n‡e bv, Z‡e bM` D‡Ëvj‡bi †ÿ‡Î h_vwbq‡g bM` †jb‡`b weeiYx `vwLj Ki‡Z n‡e;
(6) ¯‥zj, K‡jR, wek¦we`¨vjqmn mKj wkÿv cÖwZôv‡bi ‡eZbvw`/wUDkb wd Ges miKvix BDwUwjwU wej
(we`y¨r, cvwb, M¨vm BZ¨vw`) Gi A_© msMÖ‡ni D‡Ï‡k¨ cwiPvwjZ ‡Kv‡bv wnmv‡e bM` Rgvi ‡ÿ‡Î bM`
†jb‡`b weeiYx `vwLj Kivi cÖ‡qvRb ‡bB| Z‡e bM` D‡Ëvj‡bi †ÿ‡Î bM` †jb‡`b weeiYx `vwLj
Ki‡Z n‡e; Ges
(7) AvšÍte¨vsK Ges AšÍtkvLv bM` †jb‡`‡bi †ÿ‡Î bM` †jb‡`b weeiYx `vwLj Kivi cÖ‡qvRb n‡e bv|
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8| ‡mj&d G¨v‡mm‡g›U I BwÛ‡c‡Û›U †Uw÷s :
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a GKwU Kvh©Kwi e¨e¯’v cÖwZôvi j‡ÿ¨ e¨vs‡Ki Af¨šÍixY wbixÿv
wefv‡Mi gva¨‡g kvLvmg~n n‡Z cÖvß ‡mj&d G¨v‡mm‡g›U msµvšÍ cÖwZ‡e`b we‡kølY Ges BwÛ‡c‡Û›U †Uw÷s
h_vh_fv‡e m¤úbœ Kivi Rb¨ D³ wefv‡M GZ`&msµvšÍ AwfÁ Kg©KZ©v envj Ki‡Z n‡e|
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K‡i we‡eP¨ lvb¥vwm‡K cwi`wk©Z kvLvmg~‡ni †PKwj÷ wfwËK g~j¨vqb cÖwZ‡e`b (G mvKzj© v‡ii Aby‡”Q`
1.3(2) G DwjøwLZ cÖwZ‡e`‡bi Abyiƒc) cÖ¯‘Z Ki‡e| D³ cÖwZ‡e`‡b Ab¨vb¨ wel‡qi mv‡_ Avewk¨Kfv‡e
wb‡gœi welqmg~n AšÍf©y³ _vK‡e :
(K) ‡gvU kvLvi msL¨v Ges kvLv n‡Z cÖvß †gvU ‡mj&d G¨v‡mm‡g›U msµvšÍ cÖwZ‡e`‡bi msL¨v;
(L) Af¨šÍixY wbixÿv wefvM KZ©„K cwi`wk©Z/wbixwÿZ kvLvi msL¨v Ges kvLvmg~‡ni Ae¯’v
(kvLvIqvix cÖvß b¤^i);
(M) cÖvß ‡mj&d G¨v‡mm‡g›U msµvšÍ cÖwZ‡e`‡b AwaK msL¨K kvLvq GKB ai‡Yi †h mKj Awbq‡gi
welq D‡jøL i‡q‡Q Zv D‡jøLc~e©K H mKj Awbqg †iv‡a gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb
cÖwZ‡iva wefvM KZ©„K e¨e¯’v MÖnY;
(N) Af¨šÍixY wbixÿv wefvM KZ©„K `vwLjK…Z cÖwZ‡e`‡b DwjøwLZ mvaviY I we‡kl Awbqgmg~n Ges
H mKj Awbqg †iv‡a gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wefvM KZ©„K e¨e¯’v MÖnY; Ges
(O) cÖvß wi‡cv‡U© ÒAm‡šÍvlRbKÓ I ÒcÖvwšÍKÓ wn‡m‡e g~j¨vwqZ kvLvmg~‡ni cwicvjb wbwðZKiY I
†iwUs DbœqbK‡í e¨e¯’v MÖnY|
(2) kvLvmg~n n‡Z cÖvß ‡mj&d G¨v‡mm‡g›U msµvšÍ cÖwZ‡e`b hvPvB K‡i ‡Kv‡bv kvLvq ‡Kv‡bv SuywKc~Y© welq
cwijwÿZ n‡j ZvrÿwYKfv‡e kvLvwU cwi`k©b ev Af¨šÍixY wbixÿv wefv‡Mi gva¨‡g cwi`k©‡bi e¨e¯’v
Ki‡e Ges welqwU Dchy³ KZ©„c‡ÿi bR‡i Avb‡e|
9| Iq¨vi UªvÝdvi (Wire transfer) :
ÒIq¨vi UªvÝdvi (Wire transfer)Ó ej‡Z Ggb Avw_©K †jb‡`b‡K eySv‡e hv‡Z ‡Kv‡bv Av‡e`bKvix e¨w³
ev cÖwZôv‡bi Aby‡iv‡a ‡Kv‡bv e¨vsK ev Avw_©K cÖwZôvb B‡j±ªwbK gva¨g e¨envi K‡i Aci ‡Kv‡bv e¨vsK ev
cÖwZôv‡bi kvLvi mnvqZvq †ewbwdwkqvwi e¨w³ ev cÖwZôvb‡K A_© cÖ`vb K‡i|
9.1 mKj ai‡Yi Iq¨vi UªvÝdv‡ii †ÿ‡Î wb‡¤œv³ Z_¨vejx MÖnY wbwðZKiY:
(1) AvšÍt‡`kxq Iq¨vi UªvÝdvi4 :
(K) mvaviY ev we‡kl AbygwZi AvIZvq Ab~¨b 1,000(GK nvRvi) ev Z`~aŸ© cwigvY gvwK©b Wjvi ev
mgg~‡j¨i Acivci •e‡`wkK gy`vª q AvšÍt‡`kxq Iq¨vi UªvÝdv‡ii †ÿ‡Î Av‡e`bKvixi5 mwVK6 Z_¨
msMÖn, msiÿY Ges D³ Z_¨ B›UviwgwWqvwi/‡ewbwdwkqvwi e¨vs‡K †cÖiY Ki‡e| D³ Z‡_¨i g‡a¨
Av‡e`bKvixi wnmve b¤^i ev wnmve b¤^i bv _vK‡j ‡jb‡`‡bi mywbw`©ó myÎ b¤^i ( Unique
Transaction Reference Number) AšÍfy©³ _vK‡e; hv‡Z cieZx©‡Z †jb‡`bwU mn‡R Lyu‡R
cvIqv hvq| GQvovI ‡ewbwdwkqvwi m¤úwK©Z Z‡_¨i g‡a¨ ‡ewbwdwkqvwii wnmve b¤^i ev wnmve b¤^i
bv _vK‡j ‡jb‡`‡bi mywbw`©ó myÎ b¤^i (Unique Transaction Reference Number) AšÍfy©³
_vK‡e; hv‡Z cieZx©‡Z †jb‡`bwU mn‡R Lyu‡R cvIqv hvq|
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AvšÍt‡`kxq Iq¨vi UªvÝdvi (Cross-border wire transfer) ej‡Z Giƒc Avw_©K †jb‡`b‡K eySv‡e †h ‡ÿ‡Î Av‡e`bKvix Ges †ewbwdwkqvwi
wfbœ †`‡k Ae¯’vb K‡i| ZvQvov ci¯úi m¤úK©hy³ GKvwaK UªvÝdv‡ii ‡ÿ‡Î b~¨bc‡ÿ GKwU †jb‡`b †`‡ki evB‡i m¤úvw`Z n‡j ZvI
AvšÍt‡`kxq Iq¨vi UªvÝdvi g‡g© MY¨ n‡e|
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Av‡e`bKvix (Applicant/originator) ej‡Z Ggb ‡Kv‡bv e¨w³ ev cÖwZôvb‡K (wnmveavix wKsev wnmveavix bb) eySv‡e hvi Aby‡iv‡ai m~‡Î
mswkøó e¨vsK ewY©Z Aq¨vi UªvÝdvi Kvh© m¤úv`b K‡i|
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Av‡e`bKvixi mwVK Z_¨ ej‡Z Av‡e`bKvixi bvg Ges wVKvbv ev RvZxq cwiPqcÎ ev Rb¥ZvwiL m¤úwK©Z Giƒc Z_¨‡K †evSv‡e hvi mwVKZv
hvPvB Kiv n‡q‡Q|
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(L) (1)(K) Aby‡”Q‡` ewY©Z mxgvi bx‡Pi †jb‡`bmg~‡ni †ÿ‡Î Av‡e`bKvix I ‡ewbwdwkqvwi m¤úwK©Z
Z_¨ (hv hvPvB‡qi cÖ‡qvRb n‡e bv) ‡hgb: bvg, wVKvbv BZ¨vw` Ges wnmve b¤^i ev wnmve b¤^i bv
_vK‡j ‡jb‡`‡bi mywbw`©ó myÎ b¤^i (Unique Transaction Reference Number) AšÍf‚©³
Ki‡e; hv‡Z cieZx©‡Z †jb‡`bwU mn‡R Lyu‡R cvIqv hvq|
(M) AvšÍt‡`kxq Iq¨vi UªvÝdv‡ii A_© †ewbwdwkqvwi7‡K cÖ`v‡bi †ÿ‡Î †ewbwdwkqvwi m¤úwK©Z Z_¨
msiÿY Ki‡e; Ges
(N) ‡h mKj †ÿ‡Î GKK Av‡e`bKvix KZ©„K GKvwaK AvšÍt‡`kxq Iq¨vi UªvÝdv‡ii gva¨‡g GKvwaK
†ewbwdwmqvwii AbyK‚‡j e¨vP dvB‡j ¸”QvKv‡i (Bundled in a batch file) †cÖiY Kiv nq ‡m mKj
†ÿ‡Î e¨vP dvB‡j Av‡e`bKvixi mwVK I †ewbwdwmqvwii c~Y©v½ Z_¨ AšÍf©y³ Ki‡e| GQvovI,
Av‡e`bKvix I †ewbwdwkqvwii wnmve b¤^i ev wnmve b¤^i bv _vK‡j ‡jb‡`‡bi mywbw`©ó myÎ b¤^i
(Unique Transaction Reference Number) AšÍf©y³ _vK‡e; hv‡Z cieZx©‡Z †jb‡`bwU mn‡R
Lyu‡R cvIqv hvq|
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‡ewbwdwkqvwi (Beneficiary) ej‡Z Ggb ‡Kv‡bv e¨w³ ev cÖwZôvb‡K (wnmveavix wKsev wnmveavix bb) eySv‡e hvi AbyK‚‡j A_© †cÖiY Kiv nq|
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Af¨šÍixY Iq¨vi UªvÝdvi (Domestic wire transfer) ej‡Z Giƒc †jb‡`b‡K eySv‡e †h ‡ÿ‡Î Av‡e`bKvix I ‡ewbwdwkqvwi GKB †`‡k
Ae¯’vb K‡i| G‡ÿ‡Î ci¯úi m¤úK©hy³ GKvwaK UªvÝdv‡i e¨eüZ cÖwµqv Ab¨ ‡Kv‡bv †`‡k m¤úbœ n‡jI Zv Af¨šÍixY Iq¨vi UªvÝdvi g‡g©
MY¨ n‡e| 4-8 µwg‡Ki Drm: dvBb¨vwÝqvj G¨vKkb Uv¯‥‡dv‡m©i mycvwikmg~n|
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9.3 AW©vwis, B›UviwgwWqvix I ‡ewbwdwkqvwi e¨vs‡Ki KiYxq :
(1) AW©vwis e¨vsK : AW©vwis e¨vsK‡K Iq¨vi UªvÝdvi msµvšÍ †jb‡`‡bi †ÿ‡Î Av‡e`bKvixi mwVK I c~Y©v½
Z_¨ wbwðZ Ki‡e| GQvov AW©vwis e¨vsK‡K †ewbwdwkqvwii A_©en Z_¨ msMÖn Ki‡Z n‡e| G me Z_¨
b~¨bZg 05 (cvuP) eQi msiÿY Ki‡Z n‡e Ges Dchy³ KZ©„c‡ÿi Aby‡iv‡a Zv Awej‡¤^ mieivn Ki‡Z
n‡e| GQvovI AW©vwis e¨vsK G mvK©yjv‡ii Aby‡”Q` 9 (1) I (2) ewY©Z wb‡`©kbv c~iY bv K‡i †Kvbiƒc
AvšÍt‡`kxq Ges Af¨šÍixY Iq¨vi UªvÝdvi Kvh©µg m¤úv`b Ki‡e bv|
10| mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva (Prevention of Financing
of Terrorism and Financing of Proliferation of Weapons of Mass Destruction) t
RvwZms‡Ni wbivcËv cwil‡`i †iRy‡jkb 1267 I Zvi AbyeZx© †iRy‡jkbmg~n, RvwZms‡Ni wbivcËv cwil‡`i
†iRy‡jkb bs 1373 Ges e¨vcK aŸsmvZ¥K A¯¿ we¯Ívi I Dnv‡Z A_© ms¯’vb cÖwZ‡iva, `gb Ges e¨vnZKiY
m¤úwK©Z †iRy‡jkbmg~‡ni ev¯Íevq‡bi Rb¨ e¨vsKmg~n wb‡¤œv³ c`‡ÿc MÖnY Ki‡e :
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(1) cÖ‡Z¨K e¨vsK cwiPvjbv cl©‡`i Aby‡gv`bµ‡g mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i
A_©vqb msµvšÍ †jb‡`b cÖwZ‡iva I kbv³ Kivi j‡ÿ¨ GKwU c×wZ cÖwZôv Ki‡e, e¨vs‡Ki Kg©KZ©v‡`i
`vq-`vwqZ¡ m¤úwK©Z wb‡`©kbv Rvix Ki‡e, mgq mgq Zv ch©v‡jvPbv Ki‡e Ges weGdAvBBD KZ…©K
RvixK…Z wb‡`©kbv h_vh_fv‡e cwicvjb Kiv n‡”Q wK bv Zv wbwðZ Ki‡e;
(2) mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_v©qb m¤úwK©Z msev` MYgva¨‡g cÖKvwkZ nevi
mv‡_ mv‡_ D³ Kg©Kv‡Ûi mv‡_ RwoZ ‡Kv‡bv e¨w³ ev mËvi ‡Kv‡bv e¨vsK wnmve cwiPvwjZ n‡q _vK‡j G
welqK we¯ÍvwiZ Z_¨ mswkøó e¨vsK Awej‡¤^ weGdAvBBD eive‡i ‡cÖiY Ki‡e;
(3) cÖwZwU e¨vsK RvwZms‡Ni wbivcËv cwil‡`i wewfbœ †iRy‡jk‡bi AvIZvq mš¿vm, mš¿vmx Kv‡h© A_©vqb I
e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_©vq‡b RwoZ m‡›`‡n ZvwjKvfy³ ‡Kv‡bv e¨w³ ev mËv Ges evsjv‡`k
miKvi KZ©„K ZvwjKvfy³ ‡Kv‡bv e¨w³ ev wbwl× †NvwlZ mËvi nvjbvMv` Z_¨ B‡j±ªwbK c×wZ‡Z msiÿY
I Zvi h_vh_ e¨envi wbwðZ Ki‡e;
(4) cÖwZwU e¨vsK RvwZms‡Ni wbivcËv cwil‡`i ‡Kv‡bv †iRy‡jk‡bi AvIZvq ev evsjv‡`k miKvi KZ©„K
ZvwjKvfz³ ev wbwl× †NvwlZ ‡Kv‡bv e¨w³ ev mËvi bv‡g A_ev cÖZ¨ÿ ev c‡ivÿfv‡e Zv‡`i wbqš¿Yvaxb
A_ev ‡Kv‡bv mn‡hvMx e¨w³ ev mËvi bv‡g e¨vsK wnmve i‡q‡Q wK bv ev ‡Kv‡bv †jb‡`b msNwUZ n‡q‡Q
wKbv Zv wPwýZ Kivi Rb¨ wbqwgZ Kvh©µg MÖnY Ki‡e Ges cÖ‡qvR‡b †jb‡`b ch©v‡jvPbv Ki‡e| GQvovI
G cÖwµqvq cÖvß False Positive9 msµvšÍ Z_¨ msiÿY Ki‡e| ZvwjKvfz³ ev wbwl× †NvwlZ ‡Kv‡bv
e¨w³ ev mËv A_ev cÖZ¨ÿ ev c‡ivÿfv‡e Zv‡`i wbqš¿Yvaxb A_ev ‡Kv‡bv mn‡hvMx e¨w³ ev mËvi ‡Kv‡bv
e¨vsK wnmve ev †jb‡`b10 wPwýZ nIqvi mv‡_ mv‡_ mswkøó e¨vsK D³ wnmv‡ei ‡jb‡`b ev †jb‡`bwU
¯’wMZ K‡i cieZx© Kg© w`e‡mi g‡a¨ G welqK we¯ÍvwiZ Z_¨ weGdAvBBD‡K AewnZ Ki‡e; Ges
(5) RvwZms‡Ni wbivcËv cwil‡`i mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡i A_©vqb msµvšÍ
†iRy‡jkbmg~‡ni ev¯Íevq‡bi †ÿ‡Î weGdAvBBD KZ©„K RvixK…Z Guidance Notes for Prevention of
Terrorist Financing and Financing of Proliferation of Weapons of Mass Destruction Gi
wb‡`©kbv AbymiYxq n‡e|
9
False positive means a situation whereby a freeze action is taken on the basis of available information and upon further inquiry and receipt
of additional clarifying information, such freeze action is determined not to be the correct course of action. An example is a freeze action
taken on the basis of mistaken identity (Source: Guidance Notes for Prevention of Terrorist Financing and Financing of Proliferation of
Weapons of Mass Destruction).
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e¨vsK wnmve ev †jb‡`b wPwýZ Kivi †ÿ‡Î e¨vsK KZ…©K cÖ`Ë mKj cÖKvi †mev cÖ`vb we‡eP¨ n‡e|
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11.2 cÖwkÿY- e¨vsK Kg©KZ©v :
gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva Kvh©µ‡gi h_vh_ cwicvjb
wbwðZ Kivi j‡ÿ¨ e¨vsKmg~n wb‡¤œv³ c`‡ÿc MÖnY Ki‡e :
(1) e¨vs‡Ki mKj Kg©KZ©v‡`i gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb
cÖwZ‡iva mswkøó wel‡q Dchy³ cÖwkÿY11 cÖ`v‡bi e¨e¯’v Ki‡e| G‡ÿ‡Î Dchy³ cÖwkÿY ej‡Z wewfbœ ¯Íi
I wefv‡Mi Kg©KZ©v‡`i Rb¨ gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK †g․wjK I Zv‡`i
Kvh©µ‡gi mv‡_ mswkøó gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK cÖwZ‡iva welqK Ges GKwU wbw`©ó mgq
AšÍi AšÍi Refresher Training †K eySv‡e;
(2) cÖavb I DccÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v Ges mswkøó Ab¨vb¨ Kg©KZ©vM‡Yi Kg©`ÿZv
e„w×i Rb¨ Dchy³ cÖwkÿY cÖ`vb Ges/A_ev ‡ckvMZ mb` AR©‡bi e¨e¯’v Ki‡e; Ges
(3) e¨vsK cÖwkÿY msµvšÍ Z_¨ I `wjjvw` msiÿY Ki‡e|
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Dchy³ cÖwkÿY ej‡Z wewfbœ ¯Í‡ii Ges wewfbœ wefv‡Mi Kg©KZ©v‡`i Rb¨ wewfbœ ai‡Yi (Target Oriented) cÖwkÿY Ges GKwU wbw`©ó mgq
AšÍi AšÍi Refresher Training †K eySv‡e|
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13| Ab¨vb¨ :
(1) wb¤œewY©Z mvKz©jvi I mvK©yjvi †jUvi e¨wZZ B‡Zvc~‡e© weGdAvBBD KZ©„K RvixK…Z Zdwmwj e¨vs‡Ki Rb¨
cÖ‡hvR¨ mKj mvKz©jvi I mvKz©jvi †jUv‡ii wb‡`©kbv G mvKz©jvi Øviv cÖwZ¯’vwcZ e‡j MY¨ n‡e;
mvKzj
© vi/ mvK©yjvi †jUvi bs Rvixi ZvwiL welq
GGgGj mvKz©jvi bs-22 21/04/2009 mš¿vm we‡ivax AvBb, 2009 Rvix cÖm‡½|
weGdAvBBD mvKz©jvi bs-02 15/03/2012 gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Rvix cÖm‡½|
weGdAvBBD mvKy©jvi †jUvi-01 30/01/2012 weGdAvBBD bvgKiY cÖm‡½|
weGdAvBBD mvKz©jvi bs-07 14/07/2013 mš¿vm we‡ivax (ms‡kvab) AvBb, 2013 Rvix cÖm‡½|
weGdAvBBD mvKz©jvi ‡jUvi bs- 01 08/01/2015 gvwbjÛvwis I mš¿vmx Kv‡h© A_v©qb SzuwK e¨e¯’vcbv MvBWjvBb cÖm‡½|
weGdAvBBD mvKz©jvi ‡jUvi bs- 03 09/04/2015 mš¿vm we‡ivax wewagvjv, 2013 Rvix cÖm‡½|
weGdAvBBD mvKz©jvi ‡jUvi bs- 06 08/12/2015 gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi ms‡kvabx Rvix cÖm‡½|
weGdAvBBD mvKz©jvi ‡jUvi bs- 01 11/02/2016 RvwZmsN wbivcËv cwil‡`i †iRy‡jkb ev¯Íevqb cÖm‡½|
weGdAvBBD mvKz©jvi ‡jUvi bs- 01 22/04/2018 Z‡_¨i †MvcbxqZv iÿv cÖm‡½|
weGdAvBBD mvKz©jvi bs-22 31/01/2019 wi‡cvU© cÖ`vbKix ms¯’vmg~‡ni g‡a¨ Z_¨ wewbgq cÖm‡½|
weGdAvBBD mvKz©jvi bs-23 31/01/2019 Avw_©K MÖæc I we‡`‡k Aew¯’Z kvLv I mvewmwWqvixi Af¨šÍixY wbqš¿Y cÖm‡½|
weGdAvBBD mvKz©jvi ‡jUvi bs- 01 24/02/2019 gvwbjÛvwis cÖwZ‡iva wewagvjv, 2019 Rvix cÖm‡½|
weGdAvBBD mvKz©jvi bs-24 10/12/2019 evwYR¨ wfwËK gvwbjÛvwis MvBWjvBb cÖm‡½|
weGdAvBBD mvKz©jvi bs-25 08/01/2020 B-‡KIqvBwm MvBWjvBb cÖm‡½|
(2) GZ`&mswkøó Kvh©µg cwiPvjbvKv‡j mswkøó me cÿ‡K Avewk¨Kfv‡e evsjv‡`k e¨vsK KZ©„K Bmy¨K…Z wb‡`©kbv, G
BDwbU KZ©„K mgq mgq RvixK…Z wb‡`©kbv Ges G m¤úwK©Z me AvBb ev wewaweavb AbymiY Ki‡Z n‡e; Ges
(3) G mvKz©jv‡ii wb‡`©kbvmg~n Awej‡¤^ Kvh©Ki n‡e|
Avcbv‡`i wek¦¯,Í
ms‡hvRbx t eY©bv †gvZv‡eK|
21
cwiwkó-K ‡Mvcbxq I e¨vsK KZ©„K c~iYxq
............e¨vsK/ e¨vsK wj.
.............kvLv
MÖvnK cwiwPwZ m¤úwK©Z dig (KYC Profile Form)
(e¨w³K wnmv‡ei †ÿ‡Î e¨envh©)
wnmve b¤^i: .............................
BDwbK AvBwW †KvW: ..................
1. wnmv‡ei bvg :
2. wnmv‡ei cÖK…wZ :
3. wnmve †Lvjvi D‡Ïk¨ :
4. MÖvn‡Ki †ckv (we¯ÍvwiZ) :
5. MÖvn‡Ki gvwmK m¤¢ve¨ Avq :
6. A‡_©i Drm/Drmmg~n (we¯ÍvwiZ) :
7. wnmveavixi A‡_©i Drm/Drmmg~n wKfv‡e hvPvB Kiv n‡q‡Q (`wjjvw`mn we¯ÍvwiZ):......................
8. wnmveavixi wVKvbv (mg~n) wKfv‡e hvPvB Kiv n‡q‡Q (we¯ÍvwiZ):........................................
...............................................................................................................................
9. wnmv‡ei cÖK…Z myweav‡fvMx (Beneficial Owner) Av‡Q wK bv:
n¨uv bv
(DËi n¨uv n‡j cÖ‡Z¨K cÖK…Z myweav‡fvMx m¤úwK©Z Z_¨vw` mshyw³-1 †gvZv‡eK ‡KIqvBwm m¤úv`b Ki‡Z n‡e)
10. cwiwPwZ cÎ (‡h‡Kv‡bv GKwU):
Kwc M„nxZ hvPvBK…Z [wUK (√) w`b]
K) RvZxq cwiPq cÎ b¤^i : . ............................ (cÖ‡hvR¨ †¶‡Î)
L) cvm‡cvU© b¤^i : ............................. (cÖ‡hvR¨ †¶‡Î)
M) Rb¥ wbeÜb mb`cÎ b¤^i : ............................ (cÖ‡hvR¨ †¶‡Î)
N) Ab¨vb¨ : .................................
11. Awbevmx (Non-resident) Ges we‡`kx‡`i †ÿ‡Î :
(K) wfmvi cÖK…wZ:............................................. †gqv` DËx‡Y©i ZvwiL:.............................
(L) Kg©vbygwZ (Work Permit) cÖv߇`i wnmve †Lvjvi †ÿ‡Î Kg©vbygwZ (Work Permit) cÎ msMÖn I
e¨vsK wnmve †Lvjvi Rb¨ h_vh_ KZ©„c‡ÿi Aby‡gv`b MÖnY Kiv n‡q‡Q wK bv:
n¨uv bv
(Awbevmx evsjv‡`kxi ‡ÿ‡Î cvm‡cv‡U©i Kwc Ges we‡`kx †ÿ‡Î wfmvmn cvm‡cv‡U©i Kwc Avewk¨Kfv‡e
MÖnY Ki‡Z n‡e|)
12. MÖvnK Politically Exposed Person (PEP)/cÖfvekvjx e¨w³ (IP)/ AvšÍR©vwZK ms¯’vi cÖavb ev
D”P ch©v‡qi Kg©KZ©v Ges Zv‡`i cwiev‡ii m`m¨ ev close assosiates wK bv:
n¨vu bv
DËi nu¨v n‡j:
K. EaŸ©Zb KZ…©cÿ n‡Z Aby‡gv`b †bqv n‡q‡Q wK bv: n¨uv bv
L. MÖvn‡Ki gy‡LvgywL mvÿvrKvi †bqv n‡q‡Q wK bv: n¨uv bv
22
cwiwkó-K ‡Mvcbxq I e¨vsK KZ©„K c~iYxq
13. mswkøó AvBb, wewagvjv I mvKz©jv‡ii Av‡jv‡K MÖvn‡Ki bvg RvwZms‡Ni wbivcËv cwil‡`i wewfbœ
†iRy‡jk‡bi AvIZvq mš¿vmx Kvh©, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡ii A_©vq‡b
RwoZ m‡›`‡n ZvwjKvfy³ †Kvb e¨w³ ev mËv ev evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kv‡bv e¨w³ ev
wbwl× †NvwlZ mËvi bv‡gi ZvwjKvi mv‡_ hvPvBevQvBc~e©K †Kvbiƒc wgj cvIqv wM‡q‡Q wK bv:
n¨uv bv
K) DËi nu¨v n‡j G welqK M„nxZ e¨e¯’vi weeiY :
gšÍe¨ :
(* wi¯‥ †iwUs 15 Gi Kg n‡jI Beneficial Owner -mn Ab¨vb¨ SuywK we‡ePbvq wb‡q KviY D‡jøLc~e©K Subjective we‡ePbvq
MÖvnK‡K D”P SuywK m¤úbœ wn‡m‡e wbiƒcY Kiv †h‡Z cv‡i)
.................................................................
(PEP/IP/AvšÍR©vwZK ms¯’vi EaŸ©Zb Kg©KZ©v Gi †ÿ‡Î Aby‡gv`bKvix EaŸ©Zb Kg©KZ©v)
bvghy³ wmjmn ¯^vÿi I ZvwiL
15. wnmve I MÖvnK msµvšÍ Z_¨vw` me©‡kl ch©v‡jvPbv Ges nvjbvMv` (Review & Update ) Kivi ZvwiL:
ch©v‡jvPbv Ges nvjbvMv`Kvix Kg©KZ©v :
¯^v¶i (wmjmn) :
bvg :
ZvwiL :
23
cwiwkó-K ‡Mvcbxq I e¨vsK KZ©„K c~iYxq
24
cwiwkó-K ‡Mvcbxq I e¨vsK KZ©„K c~iYxq
14. MÖvnK cÖwZôv‡bi mv‡_ †Kv‡bv Politically Exposed Person (PEP)/cÖfvekvjx e¨w³ (IP)/
AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©v Ges Zv‡`i cwiev‡ii m`m¨ ev close assosiates
mswkøó wK bv (cÖ‡hvR¨ †ÿ‡Î):
n¨uv bv
DËi n¨uv n‡j-
K. wmwbqi g¨v‡bR‡g›U n‡Z Aby‡gv`b †bqv n‡q‡Q wK bv: n¨uv bv
L. MÖvn‡Ki gy‡LvgywL mvÿvrKvi †bqv n‡q‡Q wK bv: n¨uv bv
15. mswkøó AvBb, wewagvjv I mvKz©jv‡ii Av‡jv‡K MÖvn‡Ki bvg RvwZms‡Ni wbivcËv cwil‡`i wewfbœ
†iR‡jyk‡bi AvIZvq mš¿vmx Kvh©, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡ii A_©vq‡b
RwoZ m‡›`‡n ZvwjKvfy³ †Kv‡bv e¨w³ ev mËv ev evsjv‡`k miKvi KZ©„K ZvwjKvfy³ †Kv‡bv e¨w³ ev
wbwl× †NvwlZ mËvi bv‡gi ZvwjKvi mv‡_ hvPvBevQvBc~e©K †Kvbiƒc wgj cvIqv wM‡q‡Q wK bv:
n¨uv bv
K) DËi nu¨v n‡j G welqK M„nxZ e¨e¯’vi weeiY :
(*wi¯‥ †iwUs 15 Gi Kg n‡jI Beneficial Owner -Gi D”P SuywK we‡ePbvq wb‡q KviY D‡jøLc~e©K Subjective we‡ePbvq
MÖvnK‡K D”P SuywK m¤úbœ wn‡m‡e wbiƒcY Kiv †h‡Z cv‡i)
25
cwiwkó-K ‡Mvcbxq I e¨vsK KZ©„K c~iYxq
............e¨vsK/ e¨vsK wj.
.............kvLv
MÖvnK cwiwPwZ m¤úwK©Z dig (KYC Profile Form)
(we‡kl w¯‹g/¯’vqx AvgvbZ wnmv‡ei †¶‡Î e¨envh©)
1. wnmv‡ei bvg : wnmve b¤^i: .............................
2. wnmv‡ei cÖK…wZ : BDwbK AvBwW †KvW: ..................
9. cwiwPwZcÎ :
Kwc M„nxZ hvPvBK…Z [wUK (√) w`b]
K) cvm‡cvU© b¤^i : ........................................ (cÖ‡hvR¨ †¶‡Î)
L) RvZxq cwiPq cÎ b¤^i : ............................. (cÖ‡hvR¨ †¶‡Î)
M) Rb¥ wbeÜb mb`cÎ b¤^i : ............................ (cÖ‡hvR¨ †¶‡Î)
N) B‡jKUªwbK-U¨v· AvBwW (E-TIN) b¤^i : ....... (cÖ‡hvR¨ †¶‡Î)
O) f¨vU †iwR. b¤^i : ...................................... (cÖ‡hvR¨ †¶‡Î)
P) cÖwZôv‡bi wbeÜb b¤^i : ................................ (cÖ‡hvR¨ †¶‡Î)
Q) Ab¨vb¨ : ...............................................................................................
10. Awbevmx (Non-resident) Ges we‡`kx‡`i †ÿ‡Î wnmve †Lvjvi D‡Ïk¨:
...................................................................................................................
(K) wfmvi cÖK…wZ.......................................... †gqv` DËx‡Y©i ZvwiL:.............................
(L) Kg©vbygwZ (Work Permit) cÖv߇`i wnmve †Lvjvi †ÿ‡Î Kg©vbygwZ (Work Permit) cÎ I e¨vsK
wnmve †Lvjvi Rb¨ h_vh_ KZ©„c‡ÿi Aby‡gv`b i‡q‡Q wK bv: n¨uv / bv (cÖ‡hvR¨ †ÿ‡Î)
..................................................................................................................................
(Awbevwm evsjv‡`kx‡`i †¶‡Î Avewk¨Kfv‡e cvm‡cv‡U©i Kwc Ges we‡`kx‡`i †¶‡Î Avewk¨Kfv‡e wfmvmn cvm‡cv‡U©i Kwc msMÖn Ki‡Z n‡e)
26
cwiwkó-K ‡Mvcbxq I e¨vsK KZ©„K c~iYxq
11. MÖvnK Politically Exposed Person (PEP)/cÖfvekvjx e¨w³ (IP)/ AvšÍR©vwZK ms¯’vi cÖavb ev D”P
ch©v‡qi Kg©KZ©v Ges Zv‡`i cwiev‡ii m`m¨ ev close assosiates wK bv:
n¨vu bv
DËi nu¨v n‡j :
K. wmwbqi g¨v‡bR‡g›U n‡Z Aby‡gv`b †bqv n‡q‡Q wK bv: n¨uv bv
L. MÖvn‡Ki gy‡LvgywL mvÿvrKvi †bqv n‡q‡Q wK bv: n¨uv bv
12. mswkøó AvBb, wewagvjv I mvKz©jv‡ii Av‡jv‡K MÖvn‡Ki bvg RvwZms‡Ni wbivcËv cwil‡`i wewfbœ
†iRy‡jk‡bi AvIZvq mš¿vmx Kvh©, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A¯¿ we¯Ív‡ii A_©vq‡b RwoZ
m‡›`‡n ZvwjKvfy³ †Kv‡bv e¨w³ ev mËv Ges evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kv‡bv e¨w³ ev wbwl×
†NvwlZ mËvi bv‡gi ZvwjKvi mv‡_ hvPvBevQvBc~e©K †Kvbiƒc wgj cvIqv wM‡q‡Q wK bv:
n¨uv bv
K) DËi nu¨v n‡j G welqK M„nxZ e¨e¯’vi weeiY:
(* wi¯‥ †iwUs 15 Gi Kg n‡jI Beneficial Owner -mn Ab¨vb¨ SuywK we‡ePbvq wb‡q KviY D‡jøLc~e©K Subjective we‡ePbvq
MÖvnK‡K D”P SuywK m¤úbœ wn‡m‡e wbiƒcY Kiv †h‡Z cv‡i)
.................................................................
(PEP/IP/AvšÍR©vwZK ms¯’vi EaŸ©Zb Kg©KZ©v Gi †ÿ‡Î Aby‡gv`bKvix EaŸ©Zb Kg©KZ©v)
bvghy³ wmjmn ¯^vÿi I ZvwiL
14. wnmve I MÖvnK msµvšÍ Z_¨vw` me©‡kl ch©v‡jvPbv Ges nvjbvMv` (Review & Update ) Kivi
ZvwiL: ......................................................................................................................
27
cwiwkó-K ‡Mvcbxq I e¨vsK KZ©„K c~iYxq
............e¨vsK/ e¨vsK wj:
.............kvLv
MÖvnK cwiwPwZ m¤úwK©Z dig (KYC Profile Form)
(miKvwi/AvavmiKvwi/¯^vqËkvwmZ cÖwZôv‡bi wnmv‡ei †ÿ‡Î e¨envh©)
1. wnmv‡ei bvg : wnmve b¤^i: .............................
2. wnmv‡ei cÖK…wZ : BDwbK AvBwW †KvW: ..................
3. cÖwZôv‡bi cÖK„wZ (we¯ÍvwiZ) :
4. A‡_©i Drm/Drmmg~n (we¯ÍvwiZ) :
5. A‡_©i Drm wbwðZ Kivi †¶‡Î †hme `wjjvw` msMÖn Kiv n‡q‡Q :
1| .................
2| ..................
3| ..................
msM„nxZ `wjjvw` hvPvB Kiv n‡q‡Q wK bv : n¨uv bv
6. cÖwZôv‡bi wVKvbv (mg~n) wKfv‡e hvPvB Kiv n‡q‡Q (we¯ÍvwiZ): ...........................
...............................................................................................................................
7. cÖwZôvb msµvšÍ bw_mg~n:
Kwc M„nxZ hvPvBK…Z [wUK (√) w`b]
(K) B‡jKUªwbK-U¨v· AvBwW (E-TIN) b¤^i : ....... (cÖ‡hvR¨ †¶‡Î)
(L) f¨vU †iwR. b¤^i : .................................. (cÖ‡hvR¨ †¶‡Î)
(M) e¨vs‡K wnmve cwiPvjbv msµvšÍ wm×všÍ :........ (cÖ‡hvR¨ †¶‡Î)
(N) Ab¨vb¨ bw_ : ...................................... (cÖ‡hvR¨ †¶‡Î)
8. wi¯‥ †MÖwWs:
D”P SuywK/ wb¤œ SuywK
9. wnmve msµvšÍ Z_¨vw` me©‡kl ch©v‡jvPbv Ges nvjbvMv` (Review & Update) Kivi ZvwiL:
ch©v‡jvPbv Ges nvjbvMv`Kvix Kg©KZ©v :
¯^v¶i (wmjmn) :
bvg :
ZvwiL :
28
mshyw³-1
wnmv‡ei cÖK…Z
myweav‡fvMxi
Qwe
29
³
-
MÖvn‡Ki SzuwK wbiƒcY dig: mshyw³-2 2
cb¨/‡mev I P¨v‡bj SzuwK †¯‹vi
cY¨/‡mevi aiY m¤cK©MZ SzuwK †¯‹vi
mÂqx wnmve 1 weGdAvBBD Gi mvK©zjvi Abyhvqx, MÖvnK wK PEPs /
IPs/AvšÍR©vwZK ms¯’vi cÖavb A_ev D”Pc`¯’ Kg©KZ©v:
PjwZ wnmve 4
GdwWAvi 3 bv 0
wW‡cvwRU w¯‹g (12 jÿ ch©šÍ) 1 n¨vu 5
wW‡cvwRU w¯‹g (12 jÿ DaŸ©) 3
Gdwm wnmve 5 weGdAvBBD Gi mvK©zjvi Abyhvqx, MÖvnK wK PEPs /
Gm.Gb.wW 3 IPs/AvšÍR©vwZK ms¯’vi cÖavb A_ev D”P c`¯’ Kg©KZ©vi
Avi.Gd.wm.wW 5 cwiev‡ii m`m¨/ Close associates:
bv 0
Ab‡evwW©s Gi aiY n¨vu 5
kvLv e¨e¯’vcK /wi‡jkbkxc
Gi gva¨‡g 2
weµq cÖwZwbwai gva¨‡g 3
†jb‡`b msµvšÍ SzuwK †¯‹vi
B›Uvi‡bU/bb-‡dm-Uz-‡dm 5
IqvK-Bb 3 MÖvn‡Ki evrmwiK Mo †jb‡`b KZ: e¨w³ cÖwZôvb
Ab~aŸ© UvKv 10 jÿ 1 0
UvKv 10 jÿ n‡Z 50 jÿ ch©šÍ
2 1
†fŠMwjK SzuwK †¯‹vi UvKv 50 jÿ n‡Z 5 †KvwU ch©šÍ 3 2
Awbevmx SzuwK UvKv 5 †KvwU Gi †ewk 5 4
MÖvnKt
wbevmx evsjv‡`wk 1
Awbevmx evsjv‡`wk 2
we‡`wk bvMwiK 3 ¯^”QZv msµvšÍ SzuwK †¯‹vi
MÖvnK wK A‡_©i Dr‡mi wek¦vm‡hvM¨ Z_¨
we‡`wk bvMwiK‡`i Rb¨: mieivn K‡i‡Q:
Rb¥¯’vb/Avevm‡bi wfwˇZ SzwKi †kªwYweb¨vm n¨vu 1
MÖvnK †h †`‡ki bvMwiK †m ‡`k wK GdGwUGd Gi
bv 5
Jurisdiction under increased monitoring Ges
High-risk jurisdictions subject to a call for action
Gi AšÍfz©³ ev, MÖvnK wK BDGb ev Ab¨ †Kv‡bv Sanctioned
List G ZvwjKvfz³ wK bv:
n¨vu 5
bv 1
30
ZvwjKv-1
e¨emv I ‡ckv msµvšÍ SzuwK wbiƒc‡Y wb‡¤œv³ ZvwjKv AbymiY Kiæb:
31
ANTI-MONEY LAUNDERING & COMBATING FINANCING of TERRORISM
QUESTIONNAIRE FOR CORESPONDENT RELATIONSHIP
A. 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 / No
B. OWNERSHIP / MANAGEMENT
7. Is your institution listed on any stock exchange? Yes / No
If so, which stock exchange?
___________________________________________________
8. If „‟No‟‟ to Q7, please provide a list of the major shareholders
holding more than 10% shares in your institution.
___________________________________________________
___________________________________________________
10. Does your institution have a legal and regulatory compliance Yes / No
program that includes a designated officer that is responsible for
coordinating and overseeing the AML/CFT framework?
13. Does your institution permit the opening of anonymous or numbered Yes / No
accounts by customers?
14. Does your institution have policies to reasonably ensure that they will
not conduct transactions with or on behalf of shell banks through any Yes / No
of its accounts or products?
32
cwiwkó-L
Politically Exposed Persons (PEP‟s), their family and close Yes / No
associates?
16. Does your institution have policies and procedures that require Yes / No
keeping all the records related to customer identification and their
transactions?
If „‟Yes‟‟, for how long?____________________________________
18. Does your institution determine the appropriate level of enhanced Yes / No
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 Yes / No
those customers on whose behalf it maintains or operates accounts or
conducts transactions?
21. Does your institution have a process to review and, where Yes / No
appropriate, update customer information relating to high risk client
information?
22. Does your institution have procedures to establish a record for each Yes / No
new customer noting their respective identification documents and
„Know Your Customer‟ information?
25. Where cash transaction reporting is mandatory, does your institution Yes / No
have procedures to identify transactions structured to avoid such
obligations?
26. Does your institution screen customers and transactions against lists Yes / No
of persons, entities or countries issued by government/competent
authorities or under the UN security Council Resolution?
27. Does your institution have policies to reasonably ensure that it only Yes / No
operates with correspondent banks that possess licenses to operate in
their countries of origin?
33
cwiwkó-L
V. AML Training
29. Does your institution provide AML& CFT training to relevant Yes / No
employees of your organisation?
30. Does your institution communicate new AML related laws or Yes / No
changes to existing AML related policies or practices to relevant
employees?
31. Does your institution provide AML training to relevant third parties Yes / No
if they are employed to carry out some of the functions of your
organisation?
32. Does the responses provided in this Declaration applies to the Yes / No
following entities:
Head Office and all domestic branches
Overseas branches
Domestic subsidiaries
Overseas subsidiaries
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: ___________________________________
34
cwiwkó-L
ÑÑÑÑ kvLv|
cÖwZwU e¨vsK kvLv gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD
KZ©„K mgq mgq RvixK…Z wb‡`©kbv I e¨vs‡Ki wbR¯^ gvwbjÛvwis cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjvi
Av‡jv‡K wbgœewY©Z cÖkgœ vjvi we¯ÍvwiZ DËi cÖ`v‡bi gva¨‡g Self Assessment c×wZ‡Z wb‡R‡`i Ae¯’vb wbY©q Ki‡e :
cÖkgœ vjv hvPvB‡qi gvb`Û kvLvi eZ©gvb Ae¯’v M„nxZ Kvh©µg/mycvwik
1. kvLvq †gvU Kg©KZ©vi msL¨v KZ cÖwkÿY msµvšÍ †iKW©
(c`vbyhvqx)? KZRb Kg©KZ©v gvwbjÛvwis hvPvB Ki‡Z n‡e|
cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva
welqK AvbyôvwbK cÖwkÿY MÖnY
K‡i‡Qb ? (kZKiv nvi)
2. K) kvLvi gvwbjÛvwis cÖwZ‡iva cwicvjb BAMLCO KZ©„K –
Kg©KZ©v (BAMLCO) ‡R¨ô I AwfÁ KYC Kvh©µ‡gi
h_v_©Zv cix¶Y Kiv
wK bv? weMZ `yB eQ‡i wZwb gvwbjÛvwis nq wK bv?
cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva h_vh_fv‡et-
welqK †Kvb cÖwkÿY †c‡q‡Qb wK bv? †jb‡`b cix¶Y Ges
m‡›`nRbK †jb‡`b
L) kvLvq gvwbjÛvwis cÖwZ‡iva Kvh©µg wi‡cvU© (B›Uvibvj
h_vwbq‡g cwicvwjZ n‡”Q G welqwU wi‡cvU©©mn) Kiv nq wK
bv?
wbwðZ nIqvi j‡ÿ¨ BAMLCO wbw`©ó
h_vh_fv‡e †iKW©
I MÖnY‡hvM¨ mgq ci ci Ges Kvh©Ki msiÿY Kiv nq wK
cÖwµqvq cix¶Y I ch©v‡jvPbv K‡i bv?
_v‡Kb wK bv? CTR hvPvB Ges
STR kbv³Ki‡Y
e¨e¯’v †bqv nq wK bv?
‰e‡`wkK gy`ªvi
BbIqvW© I
AvDUIqvW© †jb‡`b
cix¶Y Kiv n‡”Q wK
bv?
3. BAMLCO mn kvLvi Kg©KZ©vMY
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb welqwU hvPvB‡qi c×wZ
cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, Kx? (we¯ÍvwiZ wjLyb)
weGdAvBBD KZ©„K mgq mgq RvixK…Z
wb‡`©kbv I e¨vs‡Ki wbR¯^ gvwbjÛvwis
cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva
bxwZgvjv m¤ú‡K© AewnZ Av‡Qb wK?
35
cwiwkó-M
cÖkgœ vjv hvPvB‡qi gvb`Û kvLvi eZ©gvb Ae¯’v M„nxZ Kvh©µg/mycvwik
4. kvLv ch©v‡q ‣ÎgvwmK wfwˇZ gvwbjÛvwis mfvi Av‡jvP¨m~wP
I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva welqK mK‡ji AeMwZi Rb¨
eÈb Kiv nq wK bv?
mfv AbywôZ nq wK bv? mfvq Kx Kx ¸iæZ¡c~Y©
wm×všÍ M„nxZ n‡q‡Q?
mfvq M„nxZ wm×všÍ
wKfv‡e ev¯ÍevwqZ
nq?
5. mKj cÖKvi wnmve †Lvjv I †jb‡`b MÖvnK cwiwPwZi
cwiPvjbvi †ÿ‡Î gvwbjÛvwis cÖwZ‡iva h_v_©Zv wKfv‡e hvPvB
Kiv nq? wKfv‡e Zv
AvBb, mš¿vm we‡ivax AvBb Ges mg‡q kvLvq msiÿY Kiv
mg‡q weGdAvBBD KZ©„K RvixK„Z n‡”Q?
KYC m¤úv`bKv‡j
wb‡`©kbv Abymv‡i MÖvnK cwiwPwZ MÖvn‡Ki Znwe‡ji
m‡šÍvlRbKfv‡e MÖnY Kiv nq wK bv ? Drm hvPvB Kiv nq
wK bv?
wnmv‡ei cÖK…Z
myweav‡fvMx
(Beneficial
Owner) kbv³ Kiv
nq wK bv Ges Zv
hvPvB Gi cÖwµqv
m‡šÍvlRbK wK bv?
D”P SzuwKwewkó
MÖvnK‡`i †ÿ‡Î
SuywKi wbix‡L
AwZwi³
mZK©Zvg~jK e¨e¯’v
(EDD) MÖnY Kiv
nq wK bv?
6. K) SzuwKi wfwˇZ kvLv Zv‡`i MÖvnK‡`i G ch©šÍ KZwU D”P
†kªYxweb¨vm/†kªYxKiY K‡i wK bv? SzuwK m¤úbœ wnmve
kvLvq †Lvjv n‡q‡Q?
L) D”P SzuwKm¤úbœ wnmv‡ei †jb‡`b G ai‡bi wnmve †Lvjv
cix¶Y Kiv nq wK bv? I cwiPvjbvi †ÿ‡Î
kvLv Kx c`‡ÿc MÖnY
K‡i‡Q?
Kx c×wZ‡Z D”P
SzuwKm¤úbœ wnmv‡ei
†jb‡`b cix¶Y Kiv
nq?
7. weGdAvBBD KZ©„K RvixK…Z wb‡`©kbv G welqK wbR¯^
Ges e¨vs‡Ki wbR¯^ bxwZgvjv Abyhvqx bxwZgvjv cÖYqb Kiv
n‡q‡Q wK bv?
gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb D³ bxwZgvjv kvLvq
msµvšÍ SzuwK cÖwZ‡iv‡a h_vh_ e¨e¯’v wKfv‡e ev¯ÍevwqZ
MÖnY Kiv n‡q‡Q wK bv? n‡”Q?
8. kvLv MÖvn‡Ki KYC Profile Gi Z_¨ Kx c×wZ‡Z Giƒc
g~j¨vqb m¤úvw`Z n‡q
weGdAvBBD KZ©„K RvixK…Z wb‡`©kbv _v‡K?
‡gvZv‡eK wbw`©ó mgq ci ci
cybtg~j¨vqbc~e©K nvjbvMv` K‡i wK bv?
36
cwiwkó-M
cÖkgœ vjv hvPvB‡qi gvb`Û kvLvi eZ©gvb Ae¯’v M„nxZ Kvh©µg/mycvwik
37
cwiwkó-M
cÖkgœ vjv hvPvB‡qi gvb`Û kvLvi eZ©gvb Ae¯’v M„nxZ Kvh©µg/mycvwik
38
cwiwkó-M
cÖkgœ vjv hvPvB‡qi gvb`Û kvLvi eZ©gvb Ae¯’v M„nxZ Kvh©µg/mycvwik
msiÿY Kiv nq wK bv? AvBb, mvKzj © vi
BZ¨vw`i Kwc kvLvi mKj
Kg©KZ©v/Kg©Pvix‡`i mieivn Kiv nq wK
bv?
17. weGdAvBBD gv÷vi mvKy©jvi Abymv‡i DËi n¨vu n‡j GB wnmve
‡Lvjv I cwiPvjbvi
kvLvq PEPs, cÖfvekvjx e¨w³, †ÿ‡Î Kx Kx ai‡Yi
AvšÍRv© wZK ms¯’vi cÖavb ev D”P ch©v‡qi mZK©Zv Aej¤^b Kiv
Kg©KZ©vi †Kv‡bv wnmve msiÿY Kiv n‡”Q?
n‡”Q wK bv?
18. kvLvq Aq¨vi UªvÝdvi msµvšÍ †jb‡`‡bi
†ÿ‡Î weGdAvBBD Gi wb‡`©kbv
h_vh_fv‡e AbymiY Kiv n‡”Q wK bv?
19. cÖavb Kvh©vjq, evsjv‡`k e¨vsK I bv n‡q _vK‡j
cÖwZeÜKZvmg~n Kx Kx?
evsjv‡`k dvBb¨wÝqvj B‡›Uwj‡RÝ
BDwbU-Gi cwi`k©b cÖwZ‡e`‡b D‡jøwLZ
gvwbjÛvwis cÖwZ‡iva I mš¿vmx Kv‡h©
A_©vqb cÖwZ‡iva cwicvjb welqK
`~e©jZv/Awbqgmg~n wbqwgZ Kiv n‡q‡Q
wK bv?
20. kvLv KZ©„K •e‡`wkK †iwg‡UÝmn Ab¨vb¨ n‡q _vK‡j wKfv‡e?
BbIqvW© †iwgU¨vÝ
BbIqvW© I AvDUIqvW© ‣e‡`wkK gy`ªvi
msµvšÍ †jb‡`‡b,
†jb‡`b cix¶Y Kiv nq wK bv? cÖ‡hvR¨ †ÿ‡Î,
weGdAvBBD KZ©„K
mg‡q mg‡q mieivnK…Z
mš¿vmx msMVb/ e¨w³i
ZvwjKv hvPvB Kiv n‡”Q
wK bv?
21. kvLvq •e‡`wkK evwYR¨ mswkøó †jb‡`b
(Gjwm, M¨vivw›U BZ¨vw`) h_hv_fv‡e
cix¶Y Kiv n‡”Q wK bv?
39
cwiwkó-N
cÖavb Kvh©vjq
[e¨vs‡Ki Af¨šÍixY wbixÿv wefvM gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q we`¨gvb AvBb, wewagvjv, weGdAvBBD KZ©„K mgq mgq
RvixK…Z wb‡`©kbv I e¨vs‡Ki wbR¯^ gvwbjÛvwis cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjvi Av‡jv‡K wbgœwjwLZ cªkœgvjvi h_vh_ DËi
(WKz‡g›U wfwËK) Abymv‡i ‡¯‥vi cÖ`vbc~e©K kvLvi gvwbjÛvwis cÖwZ‡iva I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©µg‡K g~j¨vqb Ki‡e| Af¨šÍixY
wbixÿv wefvM KZ©„K kvLvi Dci cÖYxZ evwl©K wbixÿv cÖwZ‡e`‡b (cÖ‡hvR¨ †ÿ‡Î c„_K cwi`k©b Kg©m~Pxi AvIZvq ïaygvÎ Independent
Testing Procedures wfwËK cÖwZ‡e`b cÖYxZ n‡e) gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©µg g~j¨vqb msµvšÍ Avjv`v Aa¨v‡q mgy`q
welqvw` mycvwikmn mwbœ‡ek Ki‡e|]
(hvPvB‡qi gvb`Û Abymv‡i †Kv‡bv wel‡q m¤ú~Y©iƒ‡c cwicvwjZ n‡j m¤c~Y© †¯‥vi, AvswkK cwicvj‡b AvswkK †¯‥vi Ges †bwZevPK cwicvj‡bi
†¶‡Î k~b¨ †¯‥vi cÖ`vb Ki‡Z n‡e|)
2 MÖvnK cwiwPwZ 1 K) wnmve †Lvjvi dig c~iY Kivi Rb¨ kvLvq wnmve †Lvjvi ‡ÿ‡Î cÖ‡qvRbxq Kvh©µg h_vh_fv‡e m¤úbœ
(KYC) cÖ‡qvRbxq mKj Z_¨ MÖnY Kiv n‡q‡Q wK Kiv n‡q‡Q wK bv Zv wbwðZ nIqvi Rb¨ mKj ai‡Yi wnmv‡ei
2
bv? Kgc‡ÿ 3 wU K‡i dig hvPvB Kiæb| msM„nxZ Z_¨ wKfv‡e hvPvB
Kiv n‡q‡Q, Zv cixÿv Kiæb|
2 K) MÖvn‡Ki e¨w³ msµvšÍ Z_¨ h_vh_fv‡e Kx c×wZ‡Z hvPvB Kiv n‡q‡Q Ges hvPvB Gi mc‡ÿ msiwÿZ
hvPvB Kiv n‡q‡Q wK bv? `wjjvw` ch©v‡jvPbv Kiæb| bgybv wfwˇZ AšÍZ 10wU wnmv‡ei 2
KYC dig I mswkøó `wjjvw` hvPvB Kiæb|
L) MÖvn‡Ki Znwe‡ji Drm hvPvB Kiv Risk Based Approach Gi wfwˇZ AšÍZ 10wU wnmv‡ei 4
n‡q‡Q wK bv? Znwe‡ji Dr‡mi mwVKZv hvPvB Kiæb|
40
cwiwkó-N
K) kvLv KZ…©K MÖvnK wbe©vPb/wnmve wi¯‥ †iwR÷vi †gvZv‡eK kvLv wK e¨e¯’v wb‡q‡Q Zv cixÿv Kiæb|
†Lvjv/†mev cÖ`v‡bi Rb¨ e¨vs‡Ki cÖavb
Kvh©vjq KZ…©K cÖYqbK…Z wi¯‥ g¨v‡bR‡g›U 2
MvBWjvB‡Ý DwjøwLZ wb‡`©kvejx kvLvq
cwicvjb Kiv nq wK bv?
L) kvLvq SuywKwfwËK MÖvnK wnmve †Lvjvi di‡g cÖ`Ë wi¯‥ †MÖwWs As‡k D‡jøwLZ wb‡`©kbvi
3 wefvRb/†kªYxweb¨vm/ †kªYxKiY Kiv nq wK mv‡_ kvLvq SuywKwfwËK MÖvnK wefvRb/†kªYxweb¨vm/†kªYxKiY c×wZ 1
bv Ges Zv h_vh_ wK bv? msMwZc~Y© wK bv Zv cixÿv Kiæb|
M) D”P SzuwKwewkó MÖvnK‡`i †ÿ‡Î SuywKi kvLvq msiwÿZ D”P SzuwKwewkó MÖvnK‡`i ZvwjKv msMÖnc~e©K
wbix‡L AwZwi³ Z_¨ I GZ`msµvšÍ mswkøó wnmvemg~n ch©v‡jvPbvKiZ Kx ai‡Yi Z_¨ msMÖn Kiv nq
Ges Zv h‡_ó wK bv cixÿv Kiæb|
1
`wjjvw` msiÿY I hvPvB (EDD) Kiv nq
wK bv?
4 K) wbw`©ó mgq ci ci/cÖ‡qvRb Abymv‡i weGdAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK KvMRcÎvw`/Z_¨vw`
KYC nvjbvMv` Kiv nq wK bv ? hvPvB Kiæb| 1
MÖvnK cwiwPwZ Politically Exposed Persons weGdAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK bgybvi wfwˇZ hvPvB
(KYC) (PEPs), cÖfvekvjx e¨w³ I AvšÍRvwZ©K Kiæb|
6 ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi ‡Kvb 3
wnmve kvLvq msiÿY Kiv n‡”Q wK bv?
K) Credit Card myweav cÖ`v‡b Credit Card Bm¨yi †ÿ‡Î MÖvnK cwiwPwZ mwVKfv‡e MÖnY I
weGdAvBBD Gi wb‡`©kbv AbymiY Kiv nq hvPvB Kiv nq wK bv hvPvB Kiæb| Credit Card Gi FY mxgv
1
wK bv| MÖvn‡Ki Av‡qi mv‡_ msMwZc~Y© wK bv hvPvB Kiæb| kvLv KZ…©K
†KIqvBwm nvjbvMv` Kiv nq wK bv hvPvB Kiæb|
7
L) Internet banking myweav cÖ`v‡b Internet banking myweav cÖ`v‡b kvLv KZ…©K wK
weGdAvBBD Gi wb‡`©kbv AbymiY Kiv nq mZK©Zvg~jK e¨e¯’v ‡bqv n‡q‡Q Zv hvPvB Kiæb Ges MÖvn‡Ki
1
wK bv| SuywK we‡ePbvq ‡Kvb AwZwi³ Z_¨vw` †bqv n‡q‡Q wK bv Zv
hvPvB Kiæb|
Non face to face customer m¤úwK©Z wnmve †Lvjvi ‡ÿ‡Î MÖvnK cwiwPwZ mwVKfv‡e MÖnY Kiv nq wK bv
8 weGdAvBBD Gi wb‡`©kbv AbymiY Kiv nq hvPvB Kiæb Ges MÖvn‡Ki SuywK we‡ePbvq Kx/‡Kvb ai‡Yi 1
wK bv| AwZwi³ Z_¨vw` †bqv n‡q‡Q Zv hvPvB Kiæb|
3 †jb‡`b cix¶Y 1 kvLvq †jb‡`b cix¶Y (Transaction cix¶Y Gi c×wZ D‡jøL Kiæb (cÖ‡hvR¨ †ÿ‡Î cÖgvY msMÖn
(Transaction Monitoring) Gi †Kvb Kvh©Kix c×wZ Kiæb)|
4
Monitoring) Pvjy Av‡Q wK bv? g¨vbyq¨vj c×wZ‡Z †jb‡`b cixÿv Kiv n‡j Zv wKfv‡e
Kiv nq Zv we¯ÍvwiZ hvPvB Kiæb|
41
cwiwkó-N
µ. cwi`k©b welq hvPvB‡qi Dcvq gšÍe¨ †gvU cÖvß
bs. †ÿÎ b¤^i b¤^i
A‡Uv‡g‡UW n‡j wm‡÷g †Rbv‡i‡UW wi‡cvU©
msMÖnc~e©K ch©v‡jvPbv Kiæb|
weMZ mg‡qi †jb‡`b cix¶Y Gi bw_ msMÖnc~e©K
hvPvB Kiæb|
2 K) MÖvn‡Ki †ckv I Av‡qi mv‡_ cÖ‡hvR¨ †ÿ‡Î AšÍZ 10wU wnmv‡ei bgybv †Km cixÿv K‡i †`Lyb|
msMwZc~Y©fv‡e †jb‡`‡bi AbywgZ gvÎv 2
(TP) MÖnY Kiv nq wK bv?
L) †jb‡`‡bi AbywgZ gvÎvq (TP) mvK©zjv‡ii wb‡`©kbv hvPvB Kiæb|
cÖ‡qvRbxq mKj Z_¨ mwbœ‡ek Kiv n‡q‡Q 1
wK bv ?
M) AbywgZ gvÎvi mv‡_ cÖK…Z †jb‡`b b~¨bZg 10wU wnmv‡ei †jb‡`‡bi cix¶Y c×wZi bgybv cixÿv
hvPvB Kiv nq wK bv ? Kiæb Ges cÖ‡qvR‡b e¨vs‡Ki A‡Uv‡g‡UW c×wZ‡Z DwjøwLZ TP 2
Gi mv‡_ †jb‡`‡bi wgj Av‡Q wK bv hvPvB Kiæb|
N) wnmve †Lvjvi 6 gv‡mi g‡a¨ MÖvn‡Ki weGdAvBBD mvKz©jvi †gvZv‡eK b~¨bZg 10wU wnmv‡ei TP hvPvB
†jb‡`b ch©v‡jvPbv c~e©K TP wba©viY Kiv Kiæb| 1
n‡q‡Q wK bv?
O) wbw`©ó †Kvb cÖ‡qvRb Abyf‚Z n‡j A_ev b~¨bZg 10wU wnmv‡ei TP hvPvB Kiæb|
kvLv KZ…©K wbqwgZ cix¶Y Kvh©µ‡gi
1
AvIZvq mg‡q mg‡q TP nvjbvMv` Kiv
n‡q‡Q wK bv?
3 kvLvq cwiPvwjZ D”P SuywKc~Y© wnmvemg~‡ni D”P SzuywKm¤úbœ wnmvemgy‡ni ZvwjKv msMÖn Kiæb Ges
ZvwjKv msiÿY Kiv nq wK bv Ges D³ weGdAAvBBD mvKz©jv‡ii wb‡`©kbv †gvZv‡eK GZ`msµvšÍ bw_
3
wnmv‡ei †jb‡`b cix¶Y ch©vß wK bv ? msMÖnc~e©K D³ wnmvemg~‡ni †jb‡`b cix¶Y ch©vß wK bv hvPvB
Kiæb|
4 K) mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a kvLvq wnmve †Lvjv, ‡jb‡`b cix¶Y Ges Af¨šÍixY I
UN Security Council resolution •e‡`wkK evwY‡R¨i †ÿ‡Î Dfq ZvwjKv hvPvB Kiv nq
Gi AvIZvq sanction list I mš¿vm wK bv|
we‡ivax AvBb 2013 Gi ms‡hvRbx‡Z G wel‡q kvLv ¯^qswµq (Automated) †Kvb c×wZ 2
D‡jøwLZ ¯’vbxq mš¿vmx ZvwjKv msiÿY Kiv AbymiY K‡i wK bv hvPvB Kiæb| AšÍZ 10wU bgybv
nq wK bv Ges †m ‡gvZv‡eK wnmve †Lvjv I †Km cixÿv K‡i †`Lyb|
†jb‡`b Kvh©µg hvPvB Kiv nq wK bv?
L) False Positive Gi ZvwjKv kvLvq UN sanction list I ¯’vbxq mš¿vmx ZvwjKv hvPvB G
msiÿY Kiv nq wK bv? kvLv KZ…©K †Kvb False Positive n‡q‡Q wK bv Zv 1
cixÿv K‡i †`Lyb|
512 •e‡`wkK I Af¨šÍixY evwY‡R¨i A_©vq‡bi bgybvwfwˇZ 4/5 Rb MÖvn‡Ki Gjwm WKy‡g›Umn mswkøó MÖvn‡Ki
. †ÿ‡Î gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb Ab¨vb¨ mKj wnmv‡ei bw_ msMÖnc~e©K wb‡¤œi welqvw` hvPvB Kiæbt
cÖwZ‡iv‡a kvLv KZ©„K wK e¨e¯’v MÖnY Kiv Letter of Credit -G ewY©Z c‡Y¨i g~j¨ AvšÍRv©wZK
n‡q‡Q?** gvb`‡Ûi mv‡_ hvPvB Kiv n‡q‡Q wK bv cix¶v Kiæb|
Supplier/Beneficiary Gi Credit report msMÖn
K‡i kvLv KZ…©K ch©v‡jvPbv Kiv n‡q‡Q wK bv hvPvB
Kiæb|
5
Beneficiary/Applicant Gi country FATF
KZ©„K wPwýZ Jurisdiction under Increased
Monitoring and High-risk Jurisdictions
subject to a Call for Action Gi AšÍf³ z© n‡j
EDD Kiv nq wK bv hvPvB Kiæb|
Bill of Entry Gi original copy msiÿY Kiv
nq wK bv hvPvB Kiæb|
12
we‡kl `ªóe¨t Aby‡”Q` bs 3(5) ïaygvÎ GwW kvLvi Rb¨ cÖ‡hvR¨ n‡e| bbGwW kvLvi †ÿ‡Î 95 b¤^‡ii g‡a¨ cÖvß b¤^i‡K kZKiv iƒcvšÍi K‡i mvwe©K
†iwUs wbY©q Ki‡Z n‡e|
42
cwiwkó-N
µ. cwi`k©b welq hvPvB‡qi Dcvq gšÍe¨ †gvU cÖvß
bs. †ÿÎ b¤^i b¤^i
Shipping document Letter of
Credit/Proforma invoice Gi mv‡_ msMwZc~Y© wK
bv hvPvB Kiæb|
6 kvLv •e‡`wkK †iwg‡UÝmn Ab¨vb¨ BbIqvW© I AvDUIqvW© †iwg‡UÝ msµvšÍ †jb‡`b
BbIqvW© I AvDUIqvW© †iwg‡UÝ cix¶Y MÖvn‡Ki †KIqvBwm msµvšÍ Z_¨vw` bgybvwfwˇZ hvPvB 1
K‡i wK bv? Kiæb|
4 bM` †jb‡`b 1 K) gvwmK wfwˇZ Ges wbf©yjfv‡e CTR ‡iKW©/bw_/†iwR÷vi hvPvB Kiæb| †hmKj e¨vs‡Ki cÖavb Kvh©vjq
wi‡cvU© Kiv nq wK bv ? KZ…©K †K›`ªxqfv‡e wmwUAvi Kiv nq †m †ÿ‡Î kvLvq gvwmK 3
(CTR) Ges wfwˇZ wmwUAvi msiÿY Kiv nq wK bv hvPvB Kiæb|
m‡›`nRbK L) cÖwZ gv‡m †cÖwiZ wmwUAvi Gi Kwc wi‡cvwU©s ZvwjKv/dvBj cixÿv K‡i †`Lyb| weGdAvBBD mvKz©jvi
†jb‡`b kvLvq msiÿY Kiv nq wK bv Ges Dnv †gvZv‡eK ch©v‡jvPbv Kiv nq wK bv Zv GZ`msµvšÍ bw_
4
wi‡cvwUs wbqwgZ ch©v‡jvPbv Kiv nq wK bv? hvPvBc~e©K cixÿv Kiæb| †K›`ªxqfv‡e wmwUAvi Kiv n‡jI kvLv
(STR) KZ…©K wmwUAvi ch©v‡jvPbv Kiv nq wK bv ZvI hvPvB Kiæb|
M) MÖvnK KZ©„K wi‡cvwU©s mxgvi bx‡P cybt kvLvi K¨vk ‡iwR÷vi ch©v‡jvPbvc~e©K m¤¢ve¨ wnmvemg~n
cybt †jb‡`b (Structuring) Kivi †ÿ‡Î wPwýZKiZt Zv ch©v‡jvPbv Kiæb| GZ`&wel‡q kvLv KZ…©K †Kvb
5
Zv kbv³ Kivi †Kvb c×wZ kvLvq cÖewZ©Z wi‡cvU© †Rbv‡iU Kiv nq wK bv hvPvB Kiæb|
n‡q‡Q wK bv?
2 K) kvLvq m‡›`nRbK †jb‡`b m‡›`nRbK †jb‡`b (STR) Gi wewfbœ wb‡`©kKmg~‡ni wfwˇZ
(STR)/SAR wPwýZKi‡Yi †Kv‡bv c×wZ m‡›`nRbK †jb‡`b (STR) wPwýZKi‡Yi †Kvb c×wZ Pvjy Av‡Q 5
Pvjy Av‡Q wK bv ? wK bv hvPvB Kiæb |
L) mswkøó mKj Kg©KZ©v STR/SAR kvLvi Kg©KZ©v‡`i m‡›`nRbK †jb‡`b wPwýZKiY I wi‡cvU©KiY
m¤ú‡K© AewnZ Av‡Qb wK bv ? m¤ú‡K© ch©vß aviYv Av‡Q wK bv cixÿv Kiæb| 3
5 gvwbjÛvwis 1 kvLv KZ©„K cÖ‡qvRbxq msL¨K weeiYx gvwmK wfwˇZ wmwUAvi (cÖ‡hvR¨†ÿ‡Î GmwUAvi
cÖwZ‡iva gvwbjÛvwis cÖwZ‡iva wefvM/wWwfkb eivei weeiYx) Ges lvb¥vwmK wfwˇZ †mî A¨v‡mm‡g›U
wefvM/wWwfkb `vwLj Kiv nq wK bv ? kvLv wK h_vmg‡q weeiYx gvwbjÛvwis cÖwZ‡iva wefvM/wWwfkb eive‡i
eivei weeiYx weeiYx `vwLj K‡i ? 2
‡cÖwiZ nq wK bv cixÿv Kiæb|
`vwLj wej‡¤^ `vwLj A_ev weeiYx `vwLj Kiv bv n‡q _vK‡j
Zv Am‡šÍvlRbK e‡j we‡ewPZ n‡e|
2 weeiYx‡Z cÖ`Ë Z_¨ mwVK I c~Y©v½ wK bv ? GZ`&msµvšÍ bw_ cixÿv Kiæb| Z_¨vw` mwVK I cwic~Y© bv n‡j
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43
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bs. †ÿÎ b¤^i b¤^i
kvLvq msiÿY Kiv nq wK bv Ges
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cwicvjb K‡i‡Qb wK bv?
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m¤úv`bKv‡j msM„nxZ Z_¨ I `wjjvw` Ges mieivn bv Ki‡j Zv Am‡šÍvlRbK we‡ewPZ n‡e|
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h_vmg‡q mieivn Kiv nq wK bv ?
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2 B‡Zvc~‡e© kvLvq cwiPvwjZ wbixÿv/cwi`k©b me©‡kl wbixÿv cÖwZ‡e`b cixÿv K‡i †`Lyb Ges cÖwZ‡e`‡b ewY©Z
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weGdAvBBD Gi wbixÿv (hw` n‡q _v‡K) Gi
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Kiv n‡q‡Q? hvPvB Kiæb| G e¨vcv‡i MÖvnK‡`i wjd‡jU weZiY Ges kvLvi 3
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2 MÖvnK cwiwPwZ (KYC) 26
3 †jb‡`b cix¶Y 23
4 m‡›`nRbK †jb‡`b Ges bM` †jb‡`b wi‡cvwU©s 20
5 gvwbjÛvwis cÖwZ‡iva wefvM/wWwfkb eivei weeiYx `vwLj 3
6 ¯^wba©viYx c×wZ (Self Assessment) 5
7 GGgGj/wmGdwU wel‡q Kg©KZ©v/Kg©Pvix‡`i Ávb I m‡PZbZv 4
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9 wbixÿv, cwi`k©b I Ab¨vb¨ 8
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45