evsjv‡`k e¨vsK

cÖavb Kvh©vjq
gwZwSj, XvKv-1000
evsjv‡`k e¨vswKs cÖwewa I bxwZ wefvM
website: www.bb.org.bd

28 b‡f¤^i 2023
weAviwcwW mvKz©jvi bs-16 ZvwiL: -------------------
13 AMÖnvqY 1430

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

evsjv‡`‡k Kvh©iZ mKj Zdwmwj e¨vsK Ges RvgvbZ g~j¨vqbKvix cÖwZôvb

wcÖq g‡nv`q,

RvgvbZ g~j¨vqbKvix cÖwZôvb ev †Kv¤úvbxi ZvwjKvfyw³KiY bxwZgvjv|

e¨vsK †Kv¤úvbx (ms‡kvab) AvBb, 2023 Gi gva¨‡g aviv 29K ms‡hvRb Kiv n‡q‡Q| D³ avivi D‡Ïk¨c~iYK‡í †Kv‡bv
e¨vs‡Ki FY (Bmjvgx kwiqvn& wfwËK e¨vs‡Ki †ÿ‡Î wewb‡qvM) MÖnxZv KZ©„K M„nxZ ev M„nxZe¨ F‡Yi wecix‡Z cÖ`Ë
RvgvbZ (Collateral) g~j¨vq‡bi Rb¨ †hvM¨ RvgvbZ g~j¨vqbKvix cÖwZôvb evsjv‡`k e¨vs‡K ZvwjKvfz³ n‡Z n‡e| FY
SuywK cÖkg‡b e¨vsK KZ…©K FYMÖnxZvi wbKU †_‡K mvaviYZ ¯’vei m¤úwË h_v Rwg I BgviZ Ges A¯’vei m¤úwË Z_v
†gwkbvwiR, mn‡R wecYb‡hvM¨ `ªe¨vw` cÖf…wZ RvgvbZ wn‡m‡e MÖnY Kiv n‡q _v‡K| e¨vswKs Lv‡Z F‡Yi myôz e¨e¯’ vcbv, FY
k„•Ljv eRvq ivLv, †Ljvcx FY Av`vq, Ae‡jvcb, bb-e¨vswKs m¤ú` AšÍfyw© ³KiY, FY cybtZdwmwjKiYmn †kÖwYK…Z F‡Yi
wecix‡Z iwÿZe¨ cÖwfkb mwVKfv‡e wnmvevqb BZ¨vw` cÖ‡qvR‡b F‡Yi wecix‡Z M„nxZ Rvgvb‡Zi h_vh_ I wbf©i‡hvM¨
g~j¨vqb AZxe Riæwi| h_vh_ I wbf©i‡hvM¨ g~j¨vqb wbwðZKi‡Yi Rb¨ †hvM¨ RvgvbZ g~j¨vqbKvix cÖwZôvbmg~‡ni b~¨bZg
†hvM¨Zv I Dchy³Zv wba©viY mv‡c‡ÿ ZvwjKvfzw³ Ges ZvwjKv cÖKvk AZ¨vek¨K| †Kv‡bv e¨vs‡Ki FY MÖnxZv KZ©„K M„nxZ
ev M„nxZe¨ F‡Yi wecix‡Z cÖ`Ë RvgvbZ (Collateral) g~j¨vq‡bi Rb¨ †hvM¨ RvgvbZ g~j¨vqbKvix cÖwZôvbmg~n‡K GKwU
mywbw`©ó, ¯^”Q I MÖnY‡hvM¨ cÖwµqvi gva¨‡g evsjv‡`k e¨vsK KZ©„K ZvwjKvfzw³Ki‡Yi wbwgË G bxwZgvjv cÖYqb Kiv n‡jv|

2. RvgvbZ g~j¨vqbKvix cÖwZôv‡bi b~¨bZg †hvM¨Zv/A‡hvM¨Zv

2.1 ZvwjKvfzw³i Rb¨ RvgvbZ g~j¨vqbKvix cÖwZôv‡bi wb‡¤œv³ BÝwUwUDkb/G‡mvwm‡qkbmg~‡ni g‡a¨ b~¨bZg GKwUi
m`m¨c` _vK‡Z n‡e:
(K) evsjv‡`k mv‡f© GÛ f¨vjy‡qkb †Kv¤úvwbR, dvg©m GÛ BwÛwfRyqvj KÝvb©m G‡mvwm‡qkb
(weGmwfwmGdAvBwmG);
(L) evsjv‡`k Bݨy‡iÝ mv‡f©qvm© G‡mvwm‡qkb; A_ev
(M) evsjv‡`k e¨vs‡Ki we‡ePbvq mgRvZxq ¯^xK…Z †Kv‡bv †ckvRxex msMVb|

2.2. Aby‡”Q` 2.1 G DwjøwLZ msMV‡bi m`m¨ QvovI BÝwUwUDU Ae PvU©vW© GKvD‡›U›Um Ae evsjv‡`k Ges BÝwUwUDU
Ae K÷ GÛ g¨v‡bR‡g›U GKvD‡›U›Um Ae evsjv‡`k Gi m`m¨ G mvK©yjv‡i D‡jøwLZ kZ©mg~n c~iY mv‡c‡ÿ
ZvwjKvfzw³i Rb¨ Av‡e`b Ki‡Z cvi‡e;

2.3. e¨vsK/Avw_©K cÖwZôvb/miKvwi cÖwZôvb/BÝy¨‡iÝ †Kv¤úvbx/gvwëb¨vkbvj †Kv¤úvbx‡Z RvgvbZ g~j¨vqbKvix cÖwZôv‡bi

mv‡f©/ f¨vjy‡qkb Kv‡R b~¨bZg 3 eQ‡ii ev¯Íe AwfÁZv _vK‡Z n‡e;

2.4. RvgvbZ g~j¨vqbKvix cÖwZôvb wn‡m‡e ZvwjKvfzw³i †ÿ‡Î e¨w³gvwjKvbvaxb, Askx`vix ev wjwg‡UW †Kv¤úvbx wn‡m‡e
we`¨gvb AvB‡b mswkøó KZ©„c‡ÿi wbeÜb _vK‡Z n‡e;
 2.5. RvgvbZ g~j¨vqbKvix cÖwZôv‡b `ÿ I AwfÁ Rbej (wnmveiÿK, cyicÖ‡KŠkjx, hš¿cÖ‡KŠkjx, wW‡cøvgv cÖ‡KŠkjx
BZ¨vw`- cÖ‡hvR¨Zv Abymv‡i) Ges cÖwkÿYcÖvß mv‡f©qvi _vK‡Z n‡e;

2.6. g~j¨vqb Kv‡R cÖwZôv‡bi AvaywbK hš¿cvwZmn (e.g. survey equipments, tools, machinery BZ¨vw`) cÖ‡qvRbxq
jwRw÷K myweav _vK‡Z n‡e;

2.7. cÖwZôv‡bi GKwU wbewÜZ Awdm _vK‡Z n‡e;

2.8. cÖwZôv‡bi nvjbvMv` †UªW jvB‡mÝ _vK‡Z n‡e;

2.9. cÖwZôv‡bi weR‡bm AvB‡Ww›Uwd‡Kkb b¤^i (BIN) I U¨v· AvB‡Ww›Uwd‡Kkb b¤^i (TIN) _vK‡Z n‡e;

2.10. cÖwZôvb, cÖwZôv‡bi gvwjKvbvq mswkøó e¨w³eM©, cwiPvjK, e¨e¯’vcbv cwiPvjK I cÖavb wbe©vnx Kg©KZ©vi m‡šÍvlRbK
wmAvBwe wi‡cvU© _vK‡Z n‡e| DwjøwLZ cÖwZôvb ev cÖwZôvb mswkøó e¨w³eM© e¨vsK †Kv¤úvbx AvBb, 1991 Gi 5(MM)
aviv †gvZv‡eK FY †Ljvcx wn‡m‡e wPwýZ n‡j D³ cÖwZôvb ZvwjKvfzw³i Rb¨ †hvM¨ n‡e bv;

2.11. cÖ‡hvR¨ †ÿ‡Î cÖwZôv‡bi nvjbvMv` wbixwÿZ Avw_©K weeiYx _vK‡Z n‡e;

2.12. cÖwZôv‡bi gvwjKvbvq mswkøó e¨w³eM©, cwiPvjK, e¨e¯’vcbv cwiPvjK/cÖavb wbev©nx I cÖavb g~j¨vqK/mv‡f©qvi
Av`vj‡Zi wb‡`©kbvi m~‡Î Zvi/Zv‡`i K…Z Avw_©K Awbqg wKsev †dŠR`vwi Aciv‡ai Kvi‡Y mvRvcÖvß A_ev †h
†Kv‡bv cwigvY A_©`‡Û `wÛZ n‡j D³ cÖwZôvb ZvwjKvfzw³i Rb¨ A‡hvM¨ n‡e| Z‡e `Û †fv‡Mi ci 3 eQi
AwZevwnZ n‡j D³ cÖwZôvb ZvwjKvfyw³i Rb¨ Av‡e`b Ki‡Z cvi‡e|

3. AwaKZi †hvM¨Zv
RvgvbZ g~j¨vqbKvix cÖwZôvb wn‡m‡e ZvwjKvfzw³‡Z KwZcq AwaKZi †hvM¨Zv AMÖvwaKvi cÖvwßi Rb¨ we‡ewPZ n‡e| Z‡e
D³ †hvM¨Zv e¨wZ‡i‡KI †Kv‡bv cÖwZôvb ZvwjKvfzw³i Rb¨ Av‡e`b Ki‡Z cvi‡e| ‡hgb:-

3.1. cÖwZôv‡bi mswkøó Kv‡R bZzb cÖhyw³ AvËxKi‡Yi mÿgZv;

3.2. ¯’vqx Rbe‡ji g‡a¨ Cost and Management Accountant (CMA), Chartered Accountant (CA, ACCA),
CFA (Chartered Financial Analyst), Chartered General Accountant (CGA), Chartered Global
Management Accountant (CGMA), Certified Accounting Technician (CAT), Certified Valuation
Analyst (CVA), Financial Modeling & Valuation Analyst (FMVA) BZ¨vw` cÖ‡dkbvj wWwMÖavixi
AšÍfyw© ³;
3.3. b~¨bZg 3wU e¨vsK ev Avw_©K cÖwZôv‡b RvgvbZ g~j¨vqbKvix cÖwZôvb wn‡m‡e ZvwjKvfz³ _vKv;
3.4. cÖavb g~j¨vqK/mv‡f©qv‡ii mswkøó Kv‡R 5 eQi ev Zvi AwaK mg‡qi AwfÁZv|

4. ZvwjKvfzw³i cÖwµqv
RvgvbZ g~j¨vqbKvix cÖwZôvbmg~‡ni Av‡e`b cÖvwß mv‡c‡ÿ evsjv‡`k e¨vsK KZ…©K ZvwjKvfzw³i Kvh©µg ïiæ n‡e|
evsjv‡`k e¨vsK RvgvbZ g~j¨vqbKvix cÖwZôv‡bi Av‡e`b g~j¨vqb cÖwµqv AbymiY K‡i cwÄKve‡l©i cÖwZ lvb¥vwl‡K ‡hvM¨
RvgvbZ g~j¨vqbKvix cÖwZôvbmg~‡ni nvjbvMv` ZvwjKv cÖKvk Ki‡e| RvgvbZ g~j¨vqbKvix cÖwZôv‡bi ZvwjKvfzw³i †gqv`
n‡e m‡e©v”P 3 eQi| RvgvbZ g~j¨vqbKvix cÖwZôvb KZ…©K evsjv‡`k e¨vs‡K ZvwjKvfzw³i ZvwiL n‡Z cÖwZ 3 eQi A‡šÍ
(†gqv`c~wZ©i 6 gvm c~‡e©) cybivq ZvwjKvfyw³i Rb¨ Av‡e`b Ki‡Z n‡e| Z‡e D‡jøL _v‡K †h, evsjv‡`k e¨vsK KZ©„K
ZvwjKvfzw³i mg‡q cÖ`Ë kZ©/wb‡`©kbv mwVKfv‡e cwicvjb Ki‡Z e¨_© n‡j, wKsev †Kv‡bv hyw³m½Z Kvi‡Y 3 eQ‡ii c~‡e©
†h †Kv‡bv mg‡q †Kv‡bv cÖwZôvb‡K A-ZvwjKvfz³ Ki‡Z cvi‡e| RvgvbZ g~j¨vqbKvix cÖwZôvbmg~n‡K cÖ_gevi
ZvwjKvfzw³i †ÿ‡Î evsjv‡`k e¨vs‡Ki I‡qemvB‡Ui cvkvcvwk 2wU RvZxq •`wbK cwÎKvq (GKwU evsjv I GKwU Bs‡iwR)
weÁwß cÖKvk Kiv n‡e|

c„ôv 2/6
5. Av‡e`b cÖwµqv

5.1. RvgvbZ g~j¨vqbKvix cÖwZôvb wn‡m‡e ZvwjKvfzw³i j‡ÿ¨ cwiPvjK (weAviwcwW), e¨vswKs cÖwewa I bxwZ wefvM,
evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv Gi wbKU Av‡e`b `vwLj Ki‡Z n‡e|

5.2. cwÄKve‡l©i cÖwZ lvb¥vwm‡Ki ‡kl gv‡mi (Ryb I wW‡m¤^i) 01 n‡Z 15 Zvwi‡Li g‡a¨ evsjv‡`k e¨vs‡K Av‡e`b
`vwLj Ki‡Z n‡e| D³ mg‡qi ci `vwLjK…Z Av‡e`b we‡ePbv‡hvM¨ n‡e bv|

5.3. Av‡e`b g~j¨vqb wd eve` wbe©vnx cwiPvjK, evsjv‡`k e¨vsK, gwZwSj Awdm eivei Bmy¨K…Z 5,000/- UvKvi †c-
AW©vi/e¨vsK WªvdU (A‡diZ‡hvM¨) Rgv w`‡Z n‡e|

6. Av‡e`‡bi QK

wba©vwiZ Q‡K Z_¨vw`mn (cÖgvYK mshy³KiZ) Av‡e`bcÎ `vwLj Ki‡Z n‡e (ms‡hvRbx-K I ms‡hvRbx-L `ªóe¨)|

7. Av‡e`bc‡Îi mv‡_ `vwLjZe¨ `wjjvw`/KvMRcÎvw`

(K) nvjbvMv` †UªW jvB‡mÝ Gi Abywjwc;

(L) nvjbvMv` AvqKi wiUvb© Rgv`v‡bi cÖgvYc‡Îi Abywjwc Ges B-wUb mvwU©wd‡K‡Ui Abywjwc;
(M) e¨vsK mj‡fwÝ mvwU©wd‡KU;
(N) Askx`vwi cÖwZôv‡bi †ÿ‡Î Askx`vwi `wj‡ji †bvUvivBR&W Kwc Ges ‡iwR‡÷ªkb b¤^‡ii Kwc;
(O) cÖvB‡fU wjt/cvewjK wjt †Kv¤úvbxi †ÿ‡Î †g‡gv‡iÛvg GÛ AvwU©‡Kjm& Ae G‡mvwm‡qkb Gi Abywjwc;
(P) RvgvbZ g~j¨vqK/mv‡f©qvi wn‡m‡e Kv‡Ri AwfÁZvi mc‡ÿ mswkøó cÖwZôvb (e¨vsK/Avw_©K cÖwZôvb/miKvwi
cÖwZôvb/BÝy¨‡iÝ †Kv¤úvbx/gvwëb¨vkbvj †Kv¤úvbx) KZ©„K ¯^vÿwiZ †NvlYvcÎ;
(Q) †Kv‡bv e¨vsK/Avw_©K cÖwZôv‡b ZvwjKvfy³ _vK‡j cÖwZôv‡bi bvgmn ZvwjKvfyw³i cÖgvY/Pzw³c‡Îi Abywjwc;
(R) cÖwZôv‡b Kg©iZ cÖ‡KŠkjx/mv‡f©qvi/Kg©KZv©‡`i wkÿvMZ †hvM¨Zv I AwfÁZvi mb‡`i Abywjwc;
(S) cÖwZôv‡bi cwiPvjK/gvwjK/Askx`vi I cÖavb wbe©vnx Kg©KZ©vM‡Yi RvZxq cwiPqc‡Îi Abywjwc;
(T) mswkøó G‡mvwm‡qk‡bi m`m¨c` msµvšÍ mb‡`i Abywjwc A_ev m`m¨c‡`i cÖgvYcÎ; Ges
(U) cÖwZôvb KZ©„K me©‡kl m¤úvw`Z RvgvbZ/m¤ú` g~j¨vqb cÖwZ‡e`‡bi Abywjwc|

8. g~j¨vqb cÖwµqv

8.1. Av‡e`bcÎ g~j¨vq‡bi †ÿ‡Î evsjv‡`k e¨vsK KZ©„K wba©vwiZ g~j¨vqb c×wZ e¨envi Kiv n‡e| ZvwjKvfzw³i b~¨bZg
†hvM¨Zv _vKv mv‡c‡ÿ RvgvbZ g~j¨vqbKvix cÖwZôvbmg~n‡K ZvwjKvfzw³i g~j¨vqb cÖwµqvi Rb¨ we‡ePbv Kiv n‡e;
8.2. RvgvbZ g~j¨vqbKvix cÖwZôvbmg~‡ni cÖvß †¯‹vi Gi wfwˇZ cÖwZôvbmg~n‡K h_vµ‡g ÔKÕ I ÔLÕ MÖæ‡c †kÖwYfz³ Kiv
n‡e;
8.3. Av‡e`bc‡Îi mv‡_ g~j¨vq‡bi Rb¨ Ôms‡hvRbx-MÕ †gvZv‡eK AwaKZi Z_¨ (cÖ‡qvRbxq `wjjvw` mwbœ‡ekKiZ) †cÖiY
Ki‡Z n‡e;
8.4. evsjv‡`k e¨vsK cÖ‡qvRb g‡b Ki‡j Z_¨vw` hvPvB‡qi wbwgË mgw_©Z `wjjvw` `vwLj Kivi Rb¨ mswkøó cÖwZôvb‡K
wb‡`©kbv cÖ`vb Ki‡Z cvi‡e;
8.5. evsjv‡`k e¨vs‡Ki cwi`k©b`j †h †Kv‡bv mgq RvgvbZ g~j¨vqbKvix cÖwZôvbmg~n m‡iRwg‡b cwi`k©b Ki‡Z cvi‡e;

c„ôv 3/6
 8.6. evsjv‡`k e¨vsK KZ©„K ZvwjKvfzw³i c~‡e© mKj Zdwmwj e¨vsK‡K D³ e¨vsKmg~n KZ©„K ZvwjKvfz³ ev RvgvbZ
g~j¨vqb Kvh©µg m¤úvw`Z n‡q‡Q Ggb RvgvbZ g~j¨vqbKvix cÖwZôv‡bi Z_¨ Ôms‡hvRbx-NÕ †gvZv‡eK evsjv‡`k
e¨vs‡Ki wbKU †cÖiY Ki‡Z n‡e;
8.7. wba©vwiZ g~j¨vqb c×wZi gva¨‡g cÖvß ‡¯‹v‡ii wfwˇZ I Dchy³ KZ©„c‡ÿi Aby‡gv`bµ‡g †hvM¨ cÖwZôvbmg~‡ni
ZvwjKvfzw³i GKK GLwZqvi evsjv‡`k e¨vsK msiÿY Ki‡e| D‡jøL¨, †Kv‡bv RvgvbZ g~j¨vqbKvix cÖwZôvb
ZvwjKvfzw³i Rb¨ †hvM¨ we‡ewPZ bv n‡j cieZ©x‡Z wba©vwiZ †hvM¨Zv AR©b mv‡c‡ÿ G bxwZgvjvq ewY©Z cÖwµqvq
ZvwjKvfzw³i Rb¨ cybivq Av‡e`b Ki‡Z cvi‡e hv cieZ©x ZvwjKvfzw³i mgq we‡ePbvq †bqv n‡e|

9. ZvwjKv cÖKvk

h_vh_ g~j¨vqb cÖwµqv †k‡l Dchy³ KZ©„c‡ÿi Aby‡gv`bµ‡g mvK©yjvi †jUv‡ii gva¨‡g evsjv‡`k e¨vs‡Ki I‡qemvB‡U
RvgvbZ g~j¨vqbKvix cÖwZôvbmg~‡ni ZvwjKv cÖKvk Kiv n‡e|

10. wi‡cvwU©s

ZvwjKvfz³ cÖwZôvb‡K wba©vwiZ wi‡cvwU©s dig¨v‡U (ms‡hvRbx-O) evwl©K wfwˇZ (cieZ©x eQ‡ii Rvbyqvwi gv‡mi 15
Zvwi‡Li g‡a¨) e¨vswKs cÖwewa I bxwZ wefvM, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv Gi wbKU cÖwZ‡e`b `vwLj Ki‡Z n‡e|

11. cvidi‡gÝ g~j¨vqb

cÖwZôv‡bi †cÖwiZ Z_¨vw`, evwl©K wi‡cvU©, cwi`k©b I Ab¨vb¨ gva¨g n‡Z cÖvß Z‡_¨i wfwˇZ evsjv‡`k e¨vsK ZvwjKvfz³
RvgvbZ g~j¨vqbKvix cÖwZôvb‡K evwl©K wfwˇZ cybtg~j¨vqb Ki‡e|

12. e¨vsK KZ©„K wi‡cvwU©s

RvgvbZ g~j¨vqbKvix cÖwZôvbmg~‡ni cvidi‡gÝ g~j¨vq‡bi j‡ÿ¨ cÖwZôvbmg~‡ni Kvh©µg msµvšÍ Z‡_¨i e¯‘wbôZv
wbwðZKi‡Yi cÖ‡qvR‡b evwl©K wfwˇZ ms‡hvRbx-P †gvZv‡eK Z_¨ mKj Zdwmwj e¨vsK KZ©„K evsjv‡`k e¨vs‡Ki e¨vswKs
cÖwewa I bxwZ wefv‡M †cÖiY Ki‡Z n‡e|

13. A-ZvwjKvfzw³

13.1. ZvwjKvfzw³i ci evsjv‡`k e¨vs‡Ki g~j¨vq‡bi wfwˇZ RvgvbZ g~j¨vqbKvix cÖwZôv‡bi ZvwjKv nvjbvMv`KiY Ges
hyw³m½Z KviY _vK‡j †Kv‡bv cÖwZôvb‡K A-ZvwjKvfzw³ Kiv n‡e;
13.2. ZvwjKvfy³ RvgvbZ g~j¨vqbKvix cÖwZôvbmg~‡ni evwl©K wfwˇZ cvidi‡gÝ cybtg~j¨vq‡b cÖvß †¯‹vi wbw`©ó mxgvi Kg
n‡j, fzj ev AmZ¨ Z_¨ cÖ`vb, Z_¨ †Mvcb, Rvj-RvwjqvwZ, Aeg~j¨vqb, AwZg~j¨vqb cÖgvwYZ n‡j, Av`vjZ KZ©„K
`wÛZ ev wb‡lavÁv cÖvß n‡j, FYMÖnxZvi mv‡_ †hvMv‡hvM ¯’vcb ev mycvwik MÖnY, †Kv‡bv e¨vsK KZ©„K Awf‡hvM
`vwLj I Zv cÖgvwYZ n‡j Ges G bxwZgvjvi †Kv‡bv wb‡`©kbvi j•Nb ev kZ© cwicvj‡b e¨_©Zv BZ¨vw` Kvi‡Y
g~j¨vqbKvix cÖwZôvb‡K evsjv‡`k e¨vsK KZ…©K A-ZvwjKvfz³ Kiv n‡e;
13.3. A-ZvwjKvfz³ nIqvi Kvi‡Y msÿzä cÖwZôvb 14 Kvh©w`e‡mi g‡a¨ evsjv‡`k e¨vs‡K cybivq ZvwjKvfzw³i Rb¨
e¨vswKs cÖwewa I bxwZ wefv‡Mi `vwqZ¡cÖvß wbe©vnx cwiPvjK, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv Gi wbKU Avwcj
Ki‡Z cvi‡e| A-ZvwjKvfz³ nIqvi ci n‡Z cybivq ZvwjKvfz³ bv nIqv ch©šÍ D³ cÖwZôvb e¨vs‡Ki FYMÖnxZvi
RvgvbZ g~j¨vq‡bi Rb¨ †hvM¨ g‡g© we‡ewPZ n‡e bv| G‡ÿ‡Î, Pjgvb g~j¨vqb cÖwµqv m¤úv`‡bi Rb¨ mswkøó e¨vsK
ZvwjKvfz³ Ab¨ †Kv‡bv g~j¨vqbKvix cÖwZôvb‡K wb‡qvM w`‡Z cvi‡e|
13.4. †Kv‡bv cÖwZôvb A-ZvwjKvfz³ n‡j D³ cÖwZôvb b~¨bZg 1 eQi n‡Z m‡ev©”P 3 eQi ch©šÍ A-ZvwjKvfz³ _vK‡e| A-
ZvwjKvfzw³i †gqv‡`vËxY© nIqvi ci h_vwbq‡g bZzbfv‡e ZvwjKvfzw³i Rb¨ Av‡e`b Ki‡Z cvi‡e| A-ZvwjKvfzw³
msµvšÍ RvwiZe¨ mvK©yjvi †jUv‡i D³ mgqmxgv wba©viY K‡i †`Iqv n‡e;

c„ôv 4/6
 13.5. RvgvbZ g~j¨vqbKvix cÖwZôv‡bi A-ZvwjKvfzw³ msµvšÍ wel‡q evsjv‡`k e¨vs‡Ki wm×všÍ P~ovšÍ g‡g© MY¨ n‡e|

14. cwi`k©b

RvgvbZ g~j¨vqbKvix cÖwZôvb‡K ZvwjKvfzw³i †h †Kv‡bv ch©v‡q ev ZvwjKvfzw³i ci †bvwUk cÖ`vbKiZ A_ev Rb¯^v‡_©
AZ¨vek¨K n‡j †Kv‡bv cÖKvi †bvwUk cÖ`vb e¨wZ‡i‡KB evsjv‡`k e¨vs‡Ki cÖwZwbwa`j D³ cÖwZôvb cwi`k©b Kvh©µg
cwiPvjbv Ki‡Z cvi‡e| cwi`k©bKv‡j hvPvB‡qi wbwgË †h †Kv‡bv Z_¨/`wjjvw` mswkøó cÖwZôvb mieivn Ki‡Z eva¨
_vK‡e| ZvwjKvfzw³i Av‡e`‡bi mv‡_ mswkøó cÖwZôvb‡K G msµvšÍ k‡Z© m¤§Z i‡q‡Q g‡g© GKwU A½xKvibvgv `vwLj
Ki‡Z n‡e (ms‡hvRbx-Q `ªóe¨)|

15. mvaviY wb‡`©kbvejx:

15.1. Ab~aŸ© 01 (GK) †KvwU UvKv ch©šÍ FY gÄyix, mxgv ewa©ZKiY ev cÖ‡hvR¨ †ÿ‡Î bevq‡bi mgq F‡Yi wecix‡Z
M„nxZ/M„nxZe¨ m¤úwË, gvjvgvj, hš¿cvwZ BZ¨vw` g~j¨vqb e¨vs‡Ki wbR¯^ e¨e¯’vcbvq Ki‡Z cvi‡e| Z‡e G‡ÿ‡Î
e¨vsK KZ©„cÿ evsjv‡`k e¨vs‡Ki ZvwjKvfy³ RvgvbZ g~j¨vqbKvix cÖwZôvb ØvivI eÜKxK„Z/eÜKxZe¨ m¤úwËi
g~j¨vqb Ki‡Z cvi‡e;

15.2. 01 (GK) †KvwU UvKv I Z`~aŸ© As‡Ki FY gÄyix, ewa©ZKiY, cÖ‡hvR¨ †ÿ‡Î bevq‡bi mgq evsjv‡`k e¨vs‡Ki
ZvwjKvfy³ RvgvbZ g~j¨vqbKvix cÖwZôv‡bi gva¨‡g RvgvbZ/mnRvgvbZ wn‡m‡e M„nxZ/M„nxZe¨ m¤úwË, gvjvgvj,
hš¿cvwZ BZ¨vw` g~j¨vqb Ki‡Z n‡e| RvgvbZ g~j¨vqbKvix cÖwZôvb KZ©„K D³ g~j¨vqb h_vh_fv‡e m¤úbœ Kiv
n‡q‡Q wKbv Zv wbwðZ nIqvi Rb¨ ZvwjKvfy³ RvgvbZ g~j¨vqbKvix cÖwZôv‡bi cvkvcvwk e¨vsK Zvi wbR¯^
e¨e¯’vcbvqI D³ RvgvbZ g~j¨vqb Ki‡Z cvi‡e;

15.3. 100 (GKkZ) †KvwU UvKv ev Z`~aŸ© A‡¼i FY gÄyix, ewa©ZKi‡Yi ev cÖ‡hvR¨ †ÿ‡Î bevq‡bi mgq M„nxZ/M„nxZe¨
RvgvbZ (m¤úwË, gvjvgvj, hš¿cvwZ BZ¨vw`) b~¨bZg `yBwU RvgvbZ g~j¨vqbKvix cÖwZôvb Øviv c„_Kfv‡e g~j¨vqb
Kiv‡Z n‡e;

15.4. GKvwaK g~j¨vqbKvix cÖwZôvb ev g~j¨vqbKvix cÖwZôv‡bi cvkvcvwk e¨vs‡Ki wbR¯^ e¨e¯’vcbvq g~j¨vq‡bi †ÿ‡Î
Dfqc‡ÿi g~j¨vq‡bi g‡a¨ †h g~j¨vqb e¨vs‡Ki Rb¨ AwaKZi AbyK~‡j n‡e Zv MÖnY Ki‡Z n‡e| Z‡e Dfq
g~j¨vq‡bi e¨eavb 20% Gi AwaK n‡j e¨vsK g~j¨vqbKvix cÖwZôv‡bi wbKU e¨vL¨v PvB‡Z cvi‡e;

15.5. A-e¨vswKs m¤ú`mn evsjv‡`k e¨vsK KZ©„K Ab¨vb¨ †h mKj †ÿ‡Î †ckvRxex cÖwZôvb ev g~j¨vqbKvix cÖwZôv‡bi
gva¨‡g g~j¨vq‡bi Rb¨ wb‡`©kbv cÖ`vb Kiv n‡q‡Q †m mKj †ÿ‡ÎI evsjv‡`k e¨vs‡Ki ZvwjKvfy³ cÖwZôvb Øviv
g~j¨vqb Ki‡Z n‡e;

15.6. evsjv‡`k e¨vs‡Ki ZvwjKvfz³ RvgvbZ g~j¨vqbKvix cÖwZôvb †Kv‡bv e¨vs‡Ki F‡Yi RvgvbZ g~j¨vqb msµvšÍ
Kvh©µ‡g Aci †Kv‡bv RvgvbZ g~j¨vqbKvix cÖwZôvb (ZvwjKvfz³ A_ev ZvwjKvfz³ bq) †K AšÍfy³
© Ki‡Z cvi‡e
bv| Z‡e cÖ‡qvR‡b G msµvšÍ Kvh©µg mwVKfv‡e m¤úbœ Kivi wbwgË we‡kl `ÿZv ev cÖhyw³MZ `ÿZv m¤úbœ
e¨w³‡K Dc‡`óv/civgk©K wn‡m‡e wbhy³ Kiv hv‡e|

16. Ab¨vb¨ wb‡`©kbv

16.1. ZvwjKvfzw³i Av‡e`b `vwLj Kivi mgq cÖavb g~j¨vqK Gi m‡e©v”P eqmmxgv n‡e 75 eQi;
16.2. e¨vsK KZ©„K †Kv‡bv RvgvbZ cybtg~j¨vq‡bi †ÿ‡Î evsjv‡`k e¨vs‡Ki ZvwjKvfz³ Ab¨ †h †Kv‡bv Dchy³ cÖwZôvb‡K
wb‡qvM w`‡Z n‡e;
16.3. cÖwZôv‡bi bvg, wVKvbv, e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx Kg©KZ©v (‡h bv‡gB AwfwnZ †nvK bv †Kb) I cÖavb
g~j¨vqK/mv‡f©qvi cwieZ©b n‡j cwieZ©‡bi Z_¨ evsjv‡`k e¨vsK‡K D³ cwieZ©‡bi 30 w`‡bi g‡a¨ AewnZ Ki‡Z
n‡e;
c„ôv 5/6
 16.4. †Kv‡bv RvgvbZ g~j¨vqbKvix cÖwZôv‡bi mswkøó BÝwUwUDkb/G‡mvwm‡qkb Gi m`m¨ c` iwnZ/evwZj n‡j
ZvrÿwYKfv‡e evsjv‡`k e¨vsK‡K wjwLZfv‡e AewnZ Ki‡Z n‡e;
16.5. 100 (GKkZ) †KvwU UvKv I Z`~aŸ© A‡¼i F‡Yi wecix‡Z cÖ`Ë RvgvbZ g~j¨vq‡bi Rb¨ RvgvbZ g~j¨vqbKvix
cÖwZôvbmg~‡ni g‡a¨ Kgc‡ÿ GKwU cÖwZôvb Avewk¨K fv‡e ZvwjKvi ÔKÕ MÖæ‡c ‡kÖwYfz³ n‡Z n‡e;
16.6. †h mg‡q RvgvbZ g~j¨vqb Kiv n‡e Zvi c~e©eZ©x •Îgvwm‡K e¨vs‡Ki †kÖwYK…Z F‡Yi nvi 10 kZvsk ev Z`~aŸ© n‡j
D³ e¨vs‡Ki 50 (cÂvk) †KvwU UvKv I Z`~aŸ© A‡¼i FY gÄyixi †ÿ‡Î Avewk¨Kfv‡e ÔKÕ MÖæ‡c ‡kÖwYfz³ RvgvbZ
g~j¨vqbKvix cÖwZôvb Øviv M„nxZ/M„nxZe¨ RvgvbZ g~j¨vqb Kvh©µg m¤úv`b Ki‡Z n‡e;
16.7. RvgvbZ g~j¨vqbKvix cÖwZôv‡bi ZvwjKvfzw³ I A-ZvwjKvfzw³ msµvšÍ wel‡q evsjv‡`k e¨vsK KZ©„K mgq mgq cÖ`Ë
wb‡`©kbv P~ovšÍ g‡g© MY¨ n‡e|

17. Av‡jvP¨ bxwZgvjv cwicvjb Ges ev¯Íevq‡bi j‡ÿ¨ bxwZgvjvwUi wel‡q e¨vsK KZ©„K Zv‡`i mswkøó mKj RvgvbZ
g~j¨vqbKvix cÖwZôvb‡K AewnZ Ki‡Z n‡e|

18. G bxwZgvjvq ewY©Z wb‡`©kbv I kZ©vw`i wel‡q mgq mgq †h †Kv‡bv ms‡hvRb, we‡qvRb Ges cwigvR©‡bi AwaKvi evsjv‡`k
e¨vsK msiÿY K‡i|

19. e¨vsK ‡Kv¤úvbx AvBb, 1991 Gi 29K (e¨vsK †Kv¤úvbx (ms‡kvab) AvBb 2023 Gi gva¨‡g ms‡hvwRZ) avivq cÖ`Ë
¶gZve‡j G wb‡`©kbv Rvwi Kiv nj|

20. G wb‡`©kbv Awej‡¤^ Kvh©Ki n‡e|

Avcbv‡`i wek¦¯,Í

(†gvnv¤§` kvnwiqvi wmwÏKx)

cwiPvjK (weAviwcwW)
‡dvbt 9530252

c„ôv 6/6
 ms‡hvRbx-K

RvgvbZ g~j¨vqbKvix cÖwZôvb ZvwjKvfzw³i Av‡e`bcÎ

m~Î: ZvwiL:

cwiPvjK (weAviwcwW)
e¨vswKs cÖwewa I bxwZ wefvM
evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv

wcÖq g‡nv`q,

welq: .......................................(cÖwZôv‡bi bvg) †K RvgvbZ g~j¨vqbKvix

cÖwZôvb wn‡m‡e ZvwjKvfzw³i Rb¨ Av‡e`b

weAviwcwW mvK©yjvi bs-.... ZvwiL:........... ‡gvZv‡eK wba©vwiZ Q‡K hvwPZ Z_¨vw` GZ`&m‡½ †cÖiYKiZ F‡Yi
wecix‡Z e¨vsKmg~‡n cÖ`Ë RvgvbZ/m¤ú` g~j¨vqbKvix cÖwZôvb wn‡m‡e ....................... (cÖwZôv‡bi bvg) †K
ZvwjKvfzw³i Rb¨ Av‡e`b Rvbvw”Q|

Avwg G g‡g© A½xKvi KiwQ †h, †cÖwiZ mKj Z_¨ mwVK Ges mZ¨| Dc¯’vwcZ Z‡_¨ †Kv‡bv fzj/Am½wZ/AmZ¨Zv
cvIqv †M‡j Gi Rb¨ Avwg Ges Avgvi cÖwZôvb AvBbZ `vqx _vK‡e|

¯^vÿi:

bvg:

c`ex: (e¨e¯’vcbv cwiPvjK/cÖavb wbe©vnx/¯^Z¡vwaKvix)

wmj:
 ms‡hvRbx-L

Avek¨Kxq Z_¨vejx

µg weeiYx
01. cÖwZôv‡bi bvg (evsjv I Bs‡iwR):

02. cÖavb wbe©vnx/e¨e¯’vcbv cwiPvjK (ev key person,

‡h bv‡gB AwfwnZ †nvK bv †Kb)
02. wVKvbv :
03. ‡dvb b¤^i:
04. †gvevBj:
05. B‡gBj:
06. †UªW jvB‡mÝ b¤^i, ZvwiL I †gqv`:
07. B-wUAvBGb b¤^i:
09. nvjbvMv` Proof of submission of tax return
(PSR) Gi mvj (AbjvBb/AdjvBb):
10. e¨vsK mj‡fwÝ mvwU©wd‡KU cÖ`vbKvix e¨vsK I ZvwiL:
11. cÖavb g~j¨vq‡Ki bvg, c`ex (GKvwaK n‡j mK‡ji
Z_¨):
12. cÖwZôv‡bi aib (cvewjK, mxwgZ`vq cÖvB‡fU,
Askx`vwi, e¨w³ gvwjKvbvaxb):
14. kvLv/BDwb‡Ui msL¨v:
15. g~j¨vqK/mv‡f©qvi wn‡m‡e Kv‡Ri AwfÁZvi Z_¨:
(eQi I msL¨v):
16. †Kvb e¨vsK ev Avw©_©K cÖwZôv‡b Kv‡jv ZvwjKvfz³
_vKv m¤úwK©Z Z_¨: (n¨vu/bv, cÖ‡hvR¨ †ÿ‡Î e¨vsK ev
Avw_©K cÖwZôv‡bi bvg)
17. Kg©KZ©vM‡Yi Z_¨ (bvg, c`ex, †hvM¨Zv, AwfÁZv): 1.

2.

3.
...
18. e¨vsK ev Avw_©K cÖwZôvb n‡Z M„nxZ FY †Ljvcx
wn‡m‡e wPwýZ wKbv? (nu¨v/ bv)
19. Ab¨vb¨ Z_¨ (hw` _v‡K):
 ms‡hvRbx-M

g~j¨vqb cÖwµqv mswkøó AwaKZi Z_¨vejx

(RvgvbZ g~j¨vqbKvix cÖwZôvb KZ©„K c~iYxq)

1. mswkøó †ÿ‡Î Kv‡Ri AwfÁZv (eQi)

2. †gvU ¯’vqx Kg©e‡ji msL¨v
3. ‡gvU KvwiMwi `ÿZvm¤úbœ Rbe‡ji msL¨v
4. eZ©gv‡b RvgvbZ/m¤ú` g~j¨vqb Kvh©µ‡g Zdwmwj e¨vsKmg~‡ni mv‡_
mshyw³ (e¨vs‡Ki msL¨v I bvg)
5. eZ©gv‡b RvgvbZ/m¤ú` g~j¨vqb Kvh©µ‡g Avw_©K cÖwZôv‡bi mv‡_
mshyw³ (Avw_©K cÖwZôv‡bi msL¨v I bvg)
6. e¨vsK I Avw_©K cÖwZôvb e¨ZxZ RvgvbZ/m¤ú` g~j¨vqb Kvh©µ‡g
Ab¨vb¨ cÖwZôv‡bi mv‡_ mshyw³ (cÖwZôv‡bi msL¨v I bvg)
7. mv‡f©qvi Gi msL¨v
8. cÖavb wbev©nxi Kv‡Ri AwfÁZv (eQi)
9. cÖavb g~j¨vqK/mv‡f©qv‡ii mswkøó †ÿ‡Î Kv‡Ri AwfÁZv
10. wWwRUvj Rwic cwiPvjbvi mÿgZv (n¨vu/bv)
(‡hgb: hš¿cvwZ, mdUIq¨vi BZ¨vw`-cÖgvY mshy³ Ki‡Z n‡e)
11. AvÂwjK Awd‡mi msL¨v
12. ‡gvU Kg©Pvixi Zzjbvq †hvM¨ mv‡f©qv‡ii msL¨v (Avwgbwkc †Kvm© Ges
m¤úwK©Z Ab¨vb¨ GKv‡WwgK mvwU©wd‡KU i‡q‡Q Ggb)
13. e¨vsK n‡Z A-ZvwjKvfz³ n‡j Zvi Z_¨ (msL¨v I bvg)
14. †ckv`vi Kgx©‡`i Z_¨ (we‡klvwqZ †hvM¨Zv, msL¨v I aib)
15. AvšÍRv© wZK g~j¨vqb ÷¨vÛvW© (IVS) Gi h_vh_ cÖ‡qvM (n¨vu/bv)
16. mwµq I‡qemvBU (n¨vu/bv) (cÖ‡hvR¨ †ÿ‡Î I‡qemvB‡Ui G‡Wªm)
17. e¨emvwqK avivevwnKZvi cwiKíbv (Business Continuity Plan)
(n¨vu/bv) (cÖ‡hvR¨ †ÿ‡Î †Kv¤úvwbi BCA mshy³ Ki‡Z n‡e)
18. fwel¨‡Zi ûgwK (future threats) wPwýZKiY I M„nxZ c`‡ÿc
(m‡ev©”P 3wU)
 ms‡hvRbx-N

g~j¨vqb cÖwµqvi wbwgË AwaKZi Z_¨vejx

(e¨vsK KZ©„K c~iYxq)

e¨vs‡Ki bvg:

RvgvbZ µg Z_¨ Lye fv‡jv fv‡jv m‡šÍvlRbK cÖvwšÍK Am‡šÍvlRbK

g~j¨vqbKvix
cÖwZôv‡bi
bvg
1. mgRvZxq cÖwZôv‡bi Zzjbvq
mswkøó Kv‡R DwjøwLZ
cÖwZôv‡bi mybvg/cvidi‡gÝ
2. wi‡cvwU©s ÷¨vÛvW©
3. g~j¨vqb Kvh©µ‡gi mwVKZv

4. mgqvbyM Kvh©m¤úv`b
5. ¯úóxK…Z wi‡cvU© Ges Gi e¨vL¨v
6. A‰bwZK Kvh©µ‡gi mv‡_
mshyw³
7. AvšÍR©vwZK g~j¨vqb ÷¨vÛv©W
Gi h_vh_ cÖ‡qvM (IVS)
8. cÖwZôv‡bi g~j¨vq‡Ki mybvg
9. e¨vsK KZ©„K †Kv‡bv ch©v‡q A-
ZvwjKvfz³ n‡q‡Q wKbv
(n¨vu/bv)
10. MÖvnK ev e¨vs‡Ki c‡ÿ
A‰bwZK g~j¨vqb
(AwZg~j¨vqb/Aeg~j¨vqb)
msMwVZ n‡q‡Q wKbv (n¨vu/bv)
11. cÖwZôv‡bi mswkøó Kv‡Ri
AwfÁZv (eQi)
12. cÖwZôv‡bi cÖavb g~j¨vq‡Ki
AwfÁZv (eQi)
 ms‡hvRbx-O

evwl©K wi‡cvwU©s dig¨vU

(RvgvbZ g~j¨vqbKvix cÖwZôvbmg~‡ni Rb¨)

cÖwZôv‡bi bvg:

eQi:

µg Z_¨
1. wi‡cvwU©s eQ‡i RvgvbZ g~j¨vqbKvix cÖwZôvb KZ©„K e¨vs‡Ki
RvgvbZ g~j¨vqb Kiv n‡q‡Q Giƒc MÖvn‡Ki msL¨v
2. g~j¨vwqZ FYMÖnxZv Ges mswkøó e¨vsK I kvLvi bvg 1.
2.
3.
3. g~j¨vq‡bi Rb¨ wba©vwiZ m¤ú‡`i aib, cwigvY I cÖv°wjZ g~j¨ I 1.
Ae¨ewnZ c~‡e©i g~j¨vq‡bi Z_¨ (hw` _v‡K) 2.
3.
4. Ae¨ewnZ c~‡e©i g~j¨vq‡bi mv‡_ eZ©gvb g~j¨vq‡bi cv_©‡K¨i KviY
(hw` _v‡K)
4. g~j¨vqb KvR m¤úv`b mswkøó Kg©KZ©vM‡Yi bvg, c`ex, †hvM¨Zv I
AwfÁZv
5. g~j¨vqb KvR cwiPvjbvi ‡ÿ‡Î M„nxZ mgq (Mo)
6. e¨vsK/e¨vsKmg~‡ni mv‡_ m¤úvw`Z Pzw³bvgv (msL¨v)

e¨e¯’vcbv cwiPvjK/cÖavb wbevn©x Kg©KZ©v

(¯^vÿi I cÖwZôv‡bi mxj)

ZvwiL:
 ms‡hvRbx-P

evwl©K wi‡cvwU©s dig¨vU

(e¨vsKmg~‡ni Rb¨)

e¨vs‡Ki RvgvbZ g~j¨vqb K‡i‡Q Ggb cÖwZôvbmg~‡ni Z_¨:

eQi:

µg RvgvbZ g~j¨vqbKvix cÖwZôv‡bi bvg:

1. RvgvbZ 1. kvLvi bvg
cÖ`vbKvix 2. FY/wewb‡qv‡Mi cwigvY
FYMÖnxZv 3. cÖ`Ë Rvgvb‡Zi cÖvß g~j¨
4. Rvgvb‡Zi B‡Zvc~‡e©i g~j¨vq‡b cÖvß g~j¨
5. e¨vs‡Ki wbR¯^ e¨e¯’vcbvq cÖvß g~j¨
6. g~j¨vqb h_v mg‡q m¤úvw`Z n‡q‡Q wKbv (n¨vu/bv)
7. g~j¨vqb KvR m¤úv`b mswkøó Kg©KZ©vM‡Yi bvg I
c`ex, †hvM¨Zv I AwfÁZv
8. RvgvbZ g~j¨vqb c×wZ (AvšÍR©vwZK f¨vjy‡qkb
÷¨vÛvW© Abymv‡i)
9. cÖhyw³i e¨envi (n¨vu/bv)
10 cÖwZôv‡bi wel‡q e¨vs‡Ki ch©‡eÿY
2. RvgvbZ 1. kvLvi bvg
cÖ`vbKvix 2. FY/wewb‡qv‡Mi cwigvY
FYMÖnxZv 3. cÖ`Ë Rvgvb‡Zi cÖvß g~j¨
4. Rvgvb‡Zi B‡Zvc~‡e©i g~j¨vq‡b cÖvß g~j¨
5. e¨vs‡Ki wbR¯^ e¨e¯’vcbvq cÖvß g~j¨
6. g~j¨vqb h_v mg‡q m¤úvw`Z n‡q‡Q wKbv (n¨vu/bv)
7. g~j¨vqb KvR m¤úv`b mswkøó Kg©KZ©vM‡Yi bvg I
c`ex, †hvM¨Zv I AwfÁZv
8. RvgvbZ g~j¨vqb c×wZ (AvšÍR©vwZK f¨vjy‡qkb
÷¨vÛvW© Abymv‡i)
9. cÖhyw³i e¨envi (n¨vu/bv)
10 cÖwZôv‡bi wel‡q e¨vs‡Ki ch©‡eÿY
3.
 ms‡hvRbx-Q

RvgvbZ g~j¨vqbKvix cÖwZôvb KZ©„K cÖ`Ë A½xKvibvgvi bgybv:

A½xKvibvgv

G g‡g© A½xKvi Kiv hv‡”Q †h, e¨vsK-†Kv¤úvbx AvBb, 1991 Gi mswkøó aviv c~iYK‡í e¨vsKmg~‡ni F‡Yi wecix‡Z
cÖ`Ë RvgvbZ g~j¨vqbKvix cÖwZôvb wn‡m‡e ZvwjKvfzw³i c~‡e© Ges c‡i †h †Kv‡bv mgq Avgvi cÖwZôvb ............ -G
†Kv‡bv c~e© †bvwUk Rvwi Kiv e¨wZ‡i‡KB evsjv‡`k e¨vsK KZ©„K †h †Kv‡bv ai‡bi cwi`k©b Kvh©µg cwiPvjbvKv‡j
Avgiv c~Y© mn‡hvwMZv Ki‡Z eva¨ _vKe|

G g‡g© AviI A½xKvi Kiv hv‡”Q ‡h, D³ cwi`k©bKv‡j cwi`k©K/cwi`k©K`j‡K mnvqZv cÖ`vb Ges cwi`k©bKv‡j
hvPvB‡qi wbwg‡Ë PvwnevgvÎ †h †Kvb Z_¨ I `wjjvw` mieivn Ki‡Z Avgiv eva¨ _vKe|

e¨e¯’vcbv cwiPvjK/cÖavb wbevn©x Kg©KZ©v

(¯^vÿi I cÖwZôv‡bi mxj)

ZvwiL: