Banking Important Terms SURE MCQ

Banking
Important Terms

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Banking Important Terms SURE MCQ

1. e¨vsK ej‡Z wK ‡evSvq?

e¨vsK n‡Q Ggb GKwU Avw_©K g‡a¨ Kvievix cÖwZôvb hvi cÖavb KvR n‡jv-AvgvbZ MÖnb, FY `vb, ‰e‡`wkK evwb‡R¨ mvnvh¨KiY, I
Ab¨vb¨ A_© msµvšÍ Kvh© m¤úv`b K‡i gybvdv AR©b Kiv|
2. e¨vsK I e¨vsKv‡ii g‡a¨ cv_©K¨ wK?
e¨vsK ej‡Z Ggb GKwU cÖwZôvb‡K eySvq †hLv‡b msi¶‡bi Rb¨ UvKv MÖnb Kiv nq Ges Pvwnev gvÎ †diZ †`qv nq | Aci w`‡K,
e¨vsKvi ej‡Z H mKj e¨w³ ev cÖwZôvb‡K eySvq hviv e¨vsK msµvšÍ Kv‡R wjß _v‡K|
3. e¨vs‡Ki cÖavb KvR wK wK?
AvgvbZ MÖnb, FY`vb, ‰e‡`wkK evwb‡R¨ mvnvh¨KiY, †PK I †bvU cÖPjb, G‡RÝxg~jK Kvhv©ejx h_v-MÖvn‡Ki cÖwZwbwa wn‡m‡e †P‡Ki
A_© Av`vq I cwi‡kva Kiv Ges †kqvi, óK, FYcÎ BZ¨vw` µq-weµq Kiv|
4. AvgvbZKvix‡`i A‡_©i DËg wewb‡qv‡Mi Rb¨ wKwK mZK©Zv I mvavib bxwZ AbymiY Kiv DwPr?
FYMÖnxZvi mvgvwRK ghv©`v, Avw_©K m”QjZv, e¨emvwqK cÖwZcwË, mZZv, ‰bwZK Pwi‡Îi cÖwZ `„wó ivLv|
5. e¨vsKvi wKfv‡e Znwej jvfRbK Dcv‡q e¨envi K‡i?
FY I AMÖxg, wewb‡qvM (wewfbœ cÖwZôv‡bi †kqvi I FY c†Îwewb‡qvM) Gi gva¨‡g|
6. wjKzBwWUi Kv‡K e‡j ?
‡hmKj g~jabx †Kv¤úvbx wejywßi mgq †Kv¤úvbxi hveZxq m¤ú` weµq K‡i, †kqvi gvwjKM‡bi wbKU hw` †Kvb cvIbv _v‡K Zv Av`vq
K‡i Zv wgwU‡q †`qvi Rb¨ GK ev GKvwaK e¨w³ ev cÖwZôvb‡K wb‡qvM †`qv n‡j Zv‡`i‡K wjKzB‡WUi e‡j|
7. †K ev Kviv wjKzB‡WUi wb‡qvM w`‡Z cv‡ib?
Av`vjZ wjKzB‡WUi wb‡qvM w`‡Z cv‡ib| Zv‡`i‡K miKvix wjKzB‡WUi e‡j| †Kv¤úvbx Dnvi mvavib mfvq wjKzB‡WUi wb‡qvM w`‡Z
cv‡i| cvIbv`viMb wjKzB‡WUi wb‡qvM w`‡Z cv‡ib|
8. wbe©vnK ev cÖkvmK Kv‡K e‡j?
†Kvb e¨w³i g„Zz¨i ci Zvi B”Qv (WILL) ev¯Zevq‡bi `vwqZ¡cÖvß I B”Qvm~‡Î wb‡qvMcÖvß e¨w³‡K wbe©vnK(Executor) e‡j|
wbe©vnK `vwqZ¡ cvj‡b A¯^xKvi Ki‡j Av`vjZ hv‡K wbhy³ K‡ib Zv‡K cÖkvmK(Administrator) e‡j| wbe©vnK Ges cÖkvmK
GKB `vwqZ¡ cvjb K‡ib|
9. Uªv÷ (Trust) Gi msÁv `vI|
‡Kvb wbw`©ó j‡¶¨ wbw`©ó †Kvb m¤úwË ZËveav‡bi Rb¨ hLb GK ev GKvwaK e¨w³‡K wbhy³ Kiv nq Z_b Zv‡K ev Zv‡`i‡K Uªvw÷
e‡j| Uªvw÷Mb e¨vs‡K D³ m¤úwËi i¶bv‡e¶‡bi Rb¨ wnmve Lyj‡j Zv‡K Uªv÷ wnmve e‡j|
10. K¨v‡gj †iwUs (Camels Rating) wK?
e¨vsK mg~‡ni Kvh©µg I mvwe©K Avw©_©K Ae¯’vi cvidi‡gÝ g~j¨vq‡bi Rb¨ evsjv‡`k e¨vsK GK bZzb c×wZi cÖe©Zb K‡i‡Q hv‡K
K¨v‡gj †iwUs bv‡g AwewnZ Kiv n‡q‡Q| G c×wZi gva¨‡g mgm¨v msKzj e¨vsK mg~n‡K wPwýZ Kiv nq| GLv‡b, C=Capital
Adequacy, A=Asset Quality, M=Management Ability, E=Earning Capacity, L=Liquidity Ges S=
Sensitivity for Market Risk ‡K eySv‡bv n‡q‡Q|
11. evsjv‡`‡k eZ©gv‡b wK wK ai‡bi e¨vsK Pvjy Av‡Q?
†K›`ªxq e¨vsK (evsjv‡`k e¨vsK), †emiKvix evwbwR¨K e¨vsK, we‡klvwqZ Avw_©K cÖwZôvb, e¨vsK ewn©f~Z Avw_©K cÖwZôvb ev gv‡P©›U
e¨vsK, we‡`kx e¨vsK, mÂqx e¨vsK, A-ZvwjKv f~³ e¨vsK|
12. evwYwR¨K e¨vsK I Dbœqb e¨vsK ev Avw_©K cÖwZôv‡bi g‡a¨ cv_©K¨ wK?
†`‡ki Avf¨šZixY I ‰e‡`wkK e¨emv-evwbR¨ cÖmv‡i †h me e¨vsK KvR K‡i Zv‡`i‡K evwbwR¨K e¨vsK e‡j| Aci w`‡K Dbœqb e¨vsK
ev Avw_©K cÖwZôvb mg~n we‡kl we‡kl †¶‡Î (†hgb- K…wl, wkí, M„nms¯’vb) Dbœq‡b KvR K‡i|
13. wewfbœ ai‡bi e¨vs‡Ki D`vnib `vI|
▪ †emiKvix evwbwR¨K e¨vsK:- BDwmweGj, GbweGj, AvBGdAvBwm|
▪ we‡klvwqZ Avw_©K cÖwZôvb:- weGmwe, weGmAviGm, AvBwmwe|

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Banking Important Terms SURE MCQ

▪ gv‡P©›U e¨vsK:- G ai‡bi e¨vs‡Ki KvR nj mvavib e¨vswKs I wewb‡qvM Kiv|

▪ we‡`kx e¨vsK:- A¨v‡gwiKvb G·‡cÖm e¨vsK, e¨vsK Ae BwÛqv|
▪ mÂqx e¨vsK:- evsjv‡`k †cvóvj †mwfsm|
14. MÖvn‡Ki wnmv‡ei weeibx KLb Z…Zxq c‡¶i wbKU cÖKvk Kiv hvq?
AvBbMZ eva¨evaKZv _vK‡j, MÖvn‡Ki cÖZ¨¶ ev c‡iv¶ m¤§wZ‡Z, e¨vs‡Ki wb‡Ri ¯^v‡_©,AvqKi KZ©„c¶ ev Av`vj‡Zi wb‡`©k _vK‡j|
15. MÖvnK Kv‡K e‡j?
†h e¨w³i e¨vs‡K wnmve _v‡K Zv‡K MÖvnK e‡j| µgvMZ e¨vs‡K †jb‡`b Ki‡jI †h e¨w³i e¨vs‡K wnmve †bB Zv‡K MÖvnK ejv wVK
n‡ebv|
16. cÖv_wgK cwiwPwZ ej‡Z wK eSyvq?
bZzb wnmve †Lvjvi mgq e¨vsKvi hLb g‡°‡ji h_v©_Zv m¤ú‡©K hvi wbKU †_‡K mwVK cwiwPwZ ev †idv‡iÝ MÖnb K‡i _v‡Kb Zv‡KB
cÖv_wgK cwiwPwZ e‡j|
17. bZzb wnmve wnmve †Lvjvi welq KLb A¯^xKvi Kiv hvq?
MÖvn‡Ki h_v_© cwiwPwZ bv cvIqv ‡M‡j, e¨w³ cvMj ev †`Iwjqv n‡j, wnmve †Lvjvi cÖ‡qvRbxq KvMRcÎ bv w`‡j, A‰ea †jb‡`‡bi
Rb¨ wnmve †Lvjvi AvjvgZ cvIqv †M‡j|
18. evsjv‡`k e¨vs‡Ki cÖavb KvR wKwK?
†bvU cÖPjb, Ab¨vb¨ e¨vs‡Ki e¨vsKvi, miKv‡ii e¨vsK, F‡Yi †kl AvkÖq¯’j, FY wbqš¿Y, ‰e‡`wkK g~`ªv wbqš¿Y, wbKvkNi|
19. evsjv‡`k e¨vs‡Ki mvaviY FY wbqš¿‡Yi nvwZqvi mg~n Av‡jvPbv Ki
e¨vsK FY †`‡ki †gvU A‡_©i cwigvb‡K cÖfvweZ K‡i| evwbwR¨K e¨vsKmg~‡ni FY`vb Kvh©µg‡K GKwU wbw`©ó MwÛi g‡a¨ mxgve×
ivLvi †K․kj‡K FY wbqšÎY e‡j|
20. FY wbqš¿Y Gi nvwZqvi mg~nt-
e¨vsK nv‡ii cwieZb©t- ‡h nv‡i †K›`ªxq e¨vsK evwbwR¨K e¨vsK¸‡jv‡K Zv‡`i wewbgq we‡ji cwie‡Z© FY †`q Zv‡K e¨vsK †iU e‡j|
e¨vsK †iU evo‡j evwbwR¨K e¨vsK¸‡jvi FY cÖ`v‡bi my‡`i nvi †e‡o hvq,d‡j MÖvn‡Ki FY MÖn‡bi cÖeYZv K‡g hvq| G‡Z evRv‡i
g~`ªvi AvMgb n«vm cvq| evRv‡i g~`ªvi cwigvb evov‡Z n‡j e¨vsK †iU Kgv‡Z nq|
†Lvjv evRvi Kvh©µgt- ‡Lvjv evRv‡i wmwKDwiwU ev wewbgq wej µq ev weµq K‡i evRv‡i †ekx A‡_©i Avg`vbx, A_ev evRvi n‡Z
AwZwi³ A_© DwV‡q ‡bqvi e¨e¯’v Kiv n‡q _v‡K|
bM` Rgvi nvi cwieZ©bt- me©wbgœ bM` wiRv‡f©i gvÎv evov‡j evwbwR¨K e¨vsK¸‡jvi FY m¤cÖmvi‡Yi ¶gZv ¯^fveZB n«vm cvq,
Aciw`‡K bM` wiRv‡f©i cwigvb Kgv‡j e¨vsK¸‡jvi Zvi‡j¨i cwigvb †e‡o hvq, G†Z FY m¤cÖmviY ¶gZv †e‡o hvq|
21. ZvwjKvf~³ e¨vsK Kv‡K e‡j?
†`‡ki Avw_©K evRvi wbqšÎ‡Yi j‡¶¨ †K›`ªxq e¨vsK KZ…©K Av‡ivwcZ KwZcq kZ© c~iY mv‡c‡¶ †h mg¯Í e¨vsK wbqšÎY ZvwjKvq
AšÍ©f~³ nq †mB mKj e¨vsK †K›`ªxq e¨vs‡Ki m`m¨ wn‡m‡e cwiMwbZ nq| e¨vs‡Ki cwifvlvq G‡KB ZvwjKvf~³ e¨vsK e‡j|
ZvwjKvf~³ e¨vsK nIqvi kZv©ejxt
†`‡ki cÖPwjZ e¨vswKs AvBb Abyhvqx MwVZ I wbewÜZ n‡Z n‡e|
e¨vsKwUi Av`vqK…Z I cwi‡kvwaZ g~jab 50 j¶ UvKvi bx‡P n‡ebv|
e¨vsKwUi †gvU Avgvb‡Zi wbw`©ó fvM (evsjv‡`k e¨vsK KZ…©K wbav©wiZ) wiRvf© wn‡m‡e evsjv‡`k e¨vs†K Rgv ivL‡Z n‡e|
Zdwmwj e¨vsK Aek¨B evsjv‡`k e¨vs‡Ki wbqgvejx Abyhvqx KvR Ki‡e, evsjv‡`k e¨vs‡Ki wbKU mvßvwnK, gvwmK, ‰ÎgvwmK,
Aa©evwl©K, evwl©K cÖwZ‡e`b †cÖiY Ki‡e|
22. cvIqvi Ae GU©bx (Power of Attorney) ej‡Z wK eySvq?
cvIqvi Ae GU©bx ej‡Z †Kvb e¨w³‡K Ab¨ e¨w³i c‡¶ KvR Kivi ¶gZv cÖ`vb eySvq| cvIqvi Ae GUb©x `wj‡j ¶gZvi we¯ÍvwiZ
weeiYmn ¶gZvcÖvß e¨w³i wVKvbv, †ckv BZ¨vw` D‡jøL _v‡K|

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Banking Important Terms SURE MCQ

23. wb‡`©kbvgv (Mandate) ej‡Z wK eySvq?

e¨vs‡Ki †Kvb MÖvnK Zvi wnmve cwiPvjbvi Rb¨ Ab¨ †Kvb e¨w³‡K †h `wj‡ji gva¨‡g ¶gZv cÖ`vb K‡ib Zv‡K wb‡`©kbvgv
(Mandate) e‡j|
24. Aby‡gv`b (Endorsement) wK?
1882 mv‡ji wewbgq wej AvB‡bi 31(3) aviv Abyhvqx - †Kvb †PK ev wewbgq we‡ji aviK ev Zvnvi Aby‡gvw`Z cÖwZwbwa KZ…©K
n¯ÍvšÍ‡ii D‡Ï‡k¨ Dnvi wc‡V ev wcQ‡b ¯^v¶i Kiv‡K Aby‡gv`b (Endorsement) e‡j| whwb Giƒc ¯^v¶i K‡ib Zv‡K
Aby‡gv`bKvix(Endorser) e‡j| Avi whwb Aby‡gv`b e‡j `wjjwUi gvwjK nb Zv‡K (Endorsee) e‡j|
Aby‡gv`b `yB cÖKviÑ mvaviY Aby‡gv`b I we‡kl Aby‡gv`b|
wewfbœ cÖKvi G‡Ûv©m‡g›Ut
▪ duvKv Aby‡gv`b (Blank Endorsement) = †h n¯ÍvšÍi‡hvM¨ `wj‡j Aby‡gv`bKvix ïaygvÎ ¯^v¶i cÖ`vb K‡ib Zv‡K dvuKv
Aby‡gv`b e‡j| Giƒc `wj‡ji A_© evnK‡K cÖ`vb Ki‡Z nq|
▪ we‡kl Aby‡gv`b(Special Endorsement) = Aby‡gv`bKvix hLb n¯ÍvšÍi†hvM¨ `wjjwU Aby‡gv`bKv‡j cÖvc‡Ki bvg ev Zvnvi
Av‡`‡k Ab¨ Kvnv‡KI cÖ`vb Kivi wb‡`©k †`b ZLb Zv‡K we‡kl Aby‡gv`b e‡j|
▪ AvswkK Aby‡gv`b (Partial Endorsement) = we‡ji GKvsk gvÎ n¯ÍvšÍi Ki‡Yi D‡Ï‡k¨ hLb Aby‡gv`b Kiv nq ZLb
Zv‡K AvswkK Aby‡gv`b e‡j| D‡jøL¨ †h, wbw`©ó cwigvb A_© hv‡Z Aby‡gvw`Z e¨w³ †c‡Z cv‡i †mRb¨ we‡j Bnvi ®úó D‡jøL
_vK‡Z n‡e|
▪ mxwgZ Aby‡gv`b (Restrictive Endorsement) = Aby‡gv`bKvix hLb wbw`©ó Kv‡ivi bvg wj‡L Zv‡K n¯ÍvšÍi †hvM¨ `wj‡ji
A_© cÖ`v‡bi wb‡`©k †`b ZLb Zv‡K mxwgZ Aby‡gv`b e‡j|
▪ kZ©mv‡c¶ Aby‡gv`b (Conditional Endorsement) = hLb †Kvb kZ© Av‡ivc K‡i Aby‡gv`bKvix †PK ev wewbgq wej
Aby‡gv`b K‡ib ZLb Zv‡K kZ©mv‡c¶ Aby‡gv`b e‡j| A_v©r Aby‡gv`bKvixi kZ© c~iY n‡jB †Kej †PK ev wewbgq we‡ji A_©
cwi‡kva¨ n‡e|
▪ we‡kl ¶gZve‡j Aby‡gv`b (Facultative Endorsement) = Aby‡gv`bKvix hLb avi‡Ki `vq-`vwqZ¡ evwZj K†i wbR
¶gZve‡j Aby‡gv`b cÖ`vb K‡ib ZLb Zv‡K we‡kl ¶gZve‡j Aby‡gv`b e‡j| †hgb ÒAgh©v`vi †bvwUk evwZj Kiv nj|Ó
▪ mvbm wi‡Kvm© Aby‡gv`b= G ai‡bi Aby‡gv`‡bi †¶‡Î Aby‡gv`bKvix BQv cÖKvk K‡ib †h we‡ji Agh©v`v n‡j aviK †hb Dnv
cwi‡kv‡ai e¨vcv‡i Zvi Dci wbf©i bv K‡ib| Aby‡gv`bKvix Zvi G BQv Òmvbm wi‡Kv©mÓ ev ÒAvgvi wbKU wi‡Kv©m e¨ZxZÓ G
K_v wj‡L cÖKvk Ki‡Z cv‡ib|
25. Av`vqKvix e¨vsK ej‡Z wK eySvq?
†PK, wej Ges Ab¨vb¨ `wjj cÎvw`i A_© hLb †Kvb e¨vsKvi wb‡Ri c‡¶ ev †Kvb MÖvn‡Ki c‡¶ Av`vq K‡ib ZLb Zvnv‡K Av`vqKvix
e¨vsKvi wnmv‡e wPwýZ Kiv nq|
26. cÖ`vbKvix e¨vsK ej‡Z wK eySvq?
cÖ`vbKvix e¨vsK ej‡Z †PK, wej I Ab¨vb¨ `wjjcÎvw`i A_© MÖvn‡Ki wb‡`©kvbymv‡i Zvnvi wb‡Ri c‡¶ ev MÖvn‡Ki c‡¶ cÖ`vb ev
cwi‡kva Kiv‡K eySvq|
27. e¨vsK FY ej‡Z wK eySvq?
gybvdv jv‡fi D‡Ï‡k¨ e¨vsK Zvi AvgvbZKvix‡`i RgvK…Z A‡_©i GKwU Ask KwZcq k‡Z© Dchy³ Rvgvb‡Zi wecix‡Z e¨w³ ev
e¨emvqx cÖwZôvb‡K wbw`©ó mg‡qi Rb¨ avi w`‡q _v‡K GUv‡KB e¨vsK FY e‡j|
28. e¨vsK FY cÖ`v‡bi mgq wKwK welq we‡ePbv Ki‡Z nq?
▪ F‡Yi aibt F‡Yi aib ev cÖK…wZ h_v_© bv n‡j cÖmvwiZ F‡Yi UvKv Av`v‡qi e¨vcv‡i ksKv †_‡K hvq Ges FY gybvdv ewR©Z Kz-
F‡Y cwiYZ nq|
▪ Zvij¨ t e¨vs‡Ki AvgvbZKvixiv Zv‡`i RgvK…Z UvKv †h †Kvb mgq †diZ PvB‡Z cv‡ib| ZvB Zvi‡j¨i AvwaK¨ bv _vK‡j ev
Zvij¨ msKU _vK‡j FY cÖ`vb Kiv DwPr bq|
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Banking Important Terms SURE MCQ

▪ D‡Ïk¨ t e¨vsK mg~n‡K FY cÖ`v‡bi mgq F‡Yi D‡Ïk¨ hv‡Z Drcv`bg~jK ev gybvdvgyLx nq †mw`‡K `„wó †`qv DwPr|
▪ RvgvbZ t cÖ`vbK…Z FY hv‡Z wbivc` I Ab~Kzj Ae¯’vq _v‡K †m Rb¨ cÖ`vbK…Z F‡Yi wecix‡Z chv©ß RvgvbZ MÖnb Ki‡Z nq|
29. wewfbœ †¶‡Î FY cÖ`vb t e¨vsK mg~n‡K GKB ai‡bi FY cÖ`vb bv K‡i wewfbœ e¨emvwqK I Drcv`bg~Lx †¶Îmg~‡n FY cÖ`vb Kiv
DwPr| G‡Z FY †Kvb bv †Kvb †¶Î n‡Z cwi‡kvwaZ n‡Z _v‡K|
30. F‡Yi †m±i:
▪ Pjgvb FY (Continuous Loan) : ‡h mKj FY †Kvb mywbw`©ó cwi‡kvam~Px e¨wZ‡i‡K †jb‡`b Kiv hvq, wKš‘ FY cwi‡kv‡ai
Rb¨ me©‡kl ZvwiL Ges FY mxgv Av‡Q, H mKj FY Pjgvb FY wnmv‡e Mb¨ n‡e| h_vt wmwm, IwW|
▪ Zjex FY (Demand Loan) t †h mKj FY e¨vsK KZ…©K `vex Kivi ci cwi‡kva‡hvM¨ wnmv‡e we‡ewPZ nq H mKj FY Zjex
FY wnmv‡e Mb¨ n‡e| KbwUb‡R›U ev Ab¨ †Kvb `vq eva¨ZvgyjK FY-G cwibZ n‡j (A_v©r wbqwgZ FY wnmv‡e c~e© gÄyix bv
_vK‡j) H mKj FYI Zjex FY wnmv‡e Mb¨ n‡e| h_vt †dvm©W †jvb, wcGwW, Gdwewc, AvBwewc BZ¨vw`|
▪ ‡gqv`x FY (Term Loan) : †h mKj FY GKwU wbw`©ó †gqv‡`i g‡a¨ GKwU wbw`©ó cwi‡lvam~Px Abyhvqx cwi‡kva‡hvM¨ H mKj
FY †gqv`x FY wnmv‡e Mb¨ n‡e| †gqv`x F‡Yi wefvRb- cuvP eQi mg‡qi g‡a¨ cwi‡kva†hvM¨, cuvP eQi mg‡qi AwaK mg‡q
cwi‡kva‡hvM¨|
▪ m¦í †gqv`x K…wl FY I m¦í †gqv`x ¶y`ª FY (Short term Agri. Credit & Micro Credit):
▪ ¯^í †gqv`x K…wl FY ej‡Z evsjv‡`k e¨vs‡Ki K…wl FY wefvM KZ…©K RvixK…Z evwl©K FY Kgm©~Pxi AvIZvq ZvwjKvf~³ ¯^í †gqv`x
FYmg~n‡K eySvq| K…wlLv‡Z cÖ`Ë Abya¦© 12 gv‡m cwi‡kva‡hvM¨ FY-Gi AšÍ©f~³ n‡e| ¯^í †gqv`x ¶y`ªFY ej‡Z Abya©¦ 10,000/-
UvKv ch©šÍ Ges 12 gv‡m cwi‡kva‡hvM¨ gvB‡µv-‡µwWU‡K eySv‡e| h_vt AK…wl FY, ZvuZ FY, ¯^wbf©i FY|
31. bb-cvidwgs A¨v‡mU (Non- Performing Asset) wK?
†h mKj m¤ú` n‡Z e¨vsK †Kvb Avq Ki‡Z cv‡ibv †m¸‡jvB n‡jv NPA ev bb-cvidiwgs A¨v‡mU| †hgb- ‡kªYxweb¨vwmZ FY|
m¦vfvweK wbq‡g †kYªxweb¨vwmZ F‡Yi Dci my` Av‡ivc K‡i Zv Avq Lv‡Z †bqv hvq bv|
32. ‡¯úkvj †gbkb GKvD›U ev SMA wK?
†h mKj Pjgvb, Zjex, †gqv`x FY †gqv‡`vËx‡bi© ci 90w`b ev Z`ya©¦ mgqKvj †gqv‡`vËxY© _v‡K †m¸‡jv †¯úkvj †gbkb GKvD›U
wnmv‡e Mb¨ nq| †¯úkvj †gbkb GKvD›U wnmv‡e wPwýZ F‡Yi Dci my` Av‡ivc Kiv hv‡e, wKš‘ Zv Avq Lv‡Z ¯’vbvšÍi Kiv hv‡ebv,
¯’wMZ my` wnmv‡e Rgv ivL‡Z n‡e| my‡`i cÖK…Z Av`vqK…Z AskB †Kej Avq Lv‡Z ¯’vbvšÍi Kiv hv‡e|
33. †kªYxKi‡Yi chvq© (Loan Classifications) wK wK?
▪ A‡kªYxK…Z (Unclassified)
▪ wb¤œgvb (Sub-Standard)
▪ m‡›`nRbK (Doubtful)
▪ g›` I Kz (Bad & Loss)
34. cÖwfkb Kv‡K e‡j?
weiƒc †kÖYxweb¨vwmZ FY RwbZ ¶wZi Pvc hv‡Z e¨emv‡qi Dci cÖwZdwjZ bv nq ev AvgvbZKvix‡`i A_© †diZ cÖ`v‡b †hb †Kvb
Amywe`vi m„wó bv nq †m j‡¶¨ cÖwZwU †kYªx web¨vwmZ F‡Yi wecix‡Z wbw`©ó nv‡i AwR©Z gybvdv †_‡K msiw¶Z Ask‡KB cÖwfkb e‡j|
35. cÖwfkb msi¶bt
‡kªYxgvb ¯^í †gqv`xK…wl FY/gvB‡µv †µwWU Ab¨vb¨ mKj FY
A‡kªbxK…Z (AwbqwgZ) 5 kZvsk 1 kZvsk
A‡kªbxK…Z (GmGgG) cÖ‡hvR¨ bq 5 kZvsk
wb¤œgvb 5 kZvsk 20 kZvsk
m‡›`nRbK 5 kZvsk 50 kZvsk
g›` I Kz 100 kZvsk 100kZvsk

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36. cÖwfk‡bi wfwËt weiƒc †kÖYxweb¨vwmZ F‡Yi w¯’wZ n‡Z Ô¯’wMZ my`Õ I ÔDchy³ RvgvbZÕ- Gi g~j¨ ev` w`‡q wbiywcZ w¯’wZi Dci
wba©vwiZ nv‡i cÖwfkb msi¶b Ki‡Z n‡e|
37. ‡hvM¨ RvgvbZmg~n
F‡bi wecix‡Z wj‡qbK…Z AvgvbZ, miKvix eÛ, mÂq cÎ, miKvi ev evsjv‡`k e¨vsK cÖ`Ë M¨vivw›Ui 100 kZvsk| ¯^Y©/¯^Y©vjsKv‡ii
evRvi g~‡j¨i 100 kZvsk| ‡c-RK…Z c‡Y¨i evRvi g~‡j¨i 50 kZvsk, eÜKx Rwg/Bgvi‡Zi evRvi g~‡j¨i 50 kZvsk|
38. †kªYxweb¨vwmZ FY wnmv‡e my` wnmvevqb
▪ wbggœvb I m‡›`nRbK †kÖYxweb¨vwmZ F‡Yi Dci my` Av‡ivc Kiv hv‡e| Z‡e Zv Av`vq bv nIqv ch©šÍ Avq Lv‡Z Rgv bv K‡i
Ô¯’wMZ my`Õ Lv‡Z Rgv Ki‡Z n‡e|
▪ Av`vq bv nIqv ch©šÍ Ôg›` FYÕ wnmv‡e †kÖYxweb¨vwmZ F‡Yi Dci my` Av‡ivc Kiv hv‡ebv| Z‡e gvgjv `v‡qi Kivi cÖv°v‡j my`
wnmvevqb Kiv hv‡e| G †¶‡Î Av‡ivwcZ my` Ô¯’wMZ my`Õ wnmv‡e Rgv Ki‡Z n‡e|
▪ mKj †¶‡ÎB FY wnmv‡e cÖK…Z Rgv msNwUZ n‡j D³ Rgv n‡Z cÖ_‡gB Abv‡ivwcZ I Av‡ivwcZ my` Av`vq Ki‡Z n‡e| AZtci
Avmj FY mgš^q Ki‡Z n‡e|
39. K¨vk †µwWU
K¨vk †µwWU GK ai‡Yi Pjgvb FY| e¨emvqx‡`i PjwZ g~jab A_©vq‡b G ai‡bi FY cÖ`vb Kiv n‡q _v‡K| G ai‡bi FY cwi‡kv‡ai
Rb¨ me©‡kl ZvwiL Ges FYmxgv Av‡Q| wba©vwiZ FYmxgv I Zvwi‡Li g‡a¨ FYMÖnxZv i¨vÛg †jb‡`b Ki‡Z cv‡ib| K¨vk †µwWU F‡Yi
†¶‡Î e¨emv‡q wb‡qvwRZ cb¨ mvgMÖx RvgvbZ wnmv‡e e¨vs‡Ki wbKU `vqe× _v‡K|
40. Zjex FY (Call Money Loan)
Zjex FY GKwU cÖvwZôvwbK FY| evwbwR¨K e¨vsKmg~n G‡K Aci‡K ev óK G·‡PÄ Gi `vjvj‡`i Avjvc-Av‡jvPbvi gva¨‡g avh¨©
kZ© I my‡`i wecix‡Z G FY cÖ`vb K‡i| G F‡Yi †gqv` LyeB mvgvb¨Ñ GK `yBw`b ev K‡qK N›UvI n‡Z cv‡i| Gi ‰ewkó¨ n‡jv
Pvwnev gvÎ G FY cwi‡kva Ki‡Z nq| G Kvi‡b G FY‡K Zjex FY e‡j| evsjv‡`k e¨vs‡K iw¶Z Statutory Reserve G NvUwZ
co‡j A_ev wbKvk N‡ii Pvwn`v c~i‡Y NvUwZ co‡j, GK K_vq Zvi‡j¨ NvUwZ co‡j e¨vsKviiv Zjex FY wb‡q _v‡K|
41. RgvwZwi³ FY (Over Draft)
cÖ_g †kªYxi cÖv_wgK RvgvbZ h_vÑ GdwWAvi, mÂqcÎ, †kqvi BZ¨vw` `vqe× †i‡L Dnvi wecix‡Z wbw`©ó mg‡qi Rb¨ wbw`©ó cwigvb
UvKv PjwZ wnmv‡ei gva¨‡g D‡Ëvj‡bi myweav cÖ`vb KivB nj RgvwZwi³ FY ev Over Draft| wbw`©ó mgq I mxgvi g‡a¨ FYMÖnxZv
hZevi Lykx ZZevi †jb‡`b Ki‡Z cv‡ib|
42. wWgvÛ †jvb (Demand Loan)
M„n¯’vjx mvgMÖx, gUi mvB‡Kj, Kw¤úDUvi BZ¨vw` RvZxq wRwbm µ‡qi wbwg‡Ë e¨vsK wWgvÛ †jvb w`‡q _v‡K| G‡¶‡Î µqK…Z mvgMÖx
nvB‡cvw_‡Kk‡b †i‡L FYMÖnxZvi bv‡g FY wnmve Ly‡j Zv weKjb K‡i GK Kvjxb UvKv cwi‡kva Kiv nq| wbw`©ó †gqv‡`i g‡a¨
cwi‡kvam~Px †gvZv‡eK FY cwi‡kva Ki‡Z nq|
43. †jvb Ges GWfvÝ Gi g‡a¨ cv_©K¨ wK?
‡jvbÑ Giƒc FY wnmve GKevi weKjb K‡i ev wbav©wiZ wKw¯Í Abyhvqx weKjb K‡i FY MÖnxZv‡K UvKv cÖ`vb Kiv nq| FY †gqv‡`i
g‡a¨ FYMÖnxZv FY cwi‡kvam~Px Abyhvqx wKw¯Í‡Z A_ev GK Kvjxb UvKv Rgv w`‡q FY cwi‡kva K‡ib| Giƒc FY wnmv‡e i¨vÛg
†jb‡`b Kivi my‡hvM †bB|
A¨vWf¨vÝÑ Giƒc FY wnmv‡ei wbw`©ó GKwU †gqv` I FYmxgv _v‡K hvi g‡a¨ FYMÖnxZv evievi †jb‡`b Ki‡Z cv‡ib| †gqv`v‡šÍ FY
MÖnxZv FY wnmve mgš^q K‡i _v‡Kb|
44. eÜK (Mortgage)
F‡Yi wbivcËv weav‡bi Rb¨ FYMÖnxZvi wbw`©ó †Kvb ¯’vei m¤úwËi ¯^v_© hLb FY`vZvi Ab~Kz‡j n¯ÍvšÍwiZ Kiv nq ZLb Zv‡K eÜK
e‡j| FYMÖnxZv eÜK`vZv Ges FY`vZv (e¨vsK) eÜK MÖnxZv| †h `wj‡ji gva¨‡g eÜKx Kvh© m¤úv`b Kiv nq Zv‡K eÜKx `wjj
e‡j|

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45. wbi‡c¶ eÜK (Equitable Mortgage)

hLb FY MÖnxZv ¯’vei m¤úwËi g~j `wjjcÎ I Zrm¤úwK©Z Ab¨vb¨ KvMRvw` FY`vZvi wbKU RvgvbZ ¯^iƒc Rgv w`‡q FY MÖnY K‡i
_v‡K ZLb †miƒc eÜK‡K wbi‡c¶ eÜK (Equitable Mortgage) e‡j| †mvbvjx e¨vsK wjwg‡UW ÔÔ‡g‡gv‡iÛvg Ae wW‡cvwRU Ae
UvB‡Uj wWW(Gd-249)Ó bvgxq di‡gi gva¨‡g eÜKxZe¨ ¯’vei m¤úwËi `wjjvw` MÖnb K‡i _v‡K|
46. †iwRóvW© BKzB‡Uej g‡M©R
hLb FY MÖnxZv ¯’vei m¤úwËi g~j `wjjcÎ I Zrm¤úwK©Z Ab¨vb¨ KvMRvw` FY`vZvi wbKU RvgvbZ ¯^iƒc ÔÔ‡g‡gv‡iÛvg Ae wW‡cvwRU
Ae UvB‡Uj wWWÕÕ Gi gva¨‡g Rgv †`q Ges mve-‡iwRóªv‡ii Awd‡m wbeÜb Kiv nq ZLb †miƒc eÜK‡K †iwRóvW ©BKzB‡Uej g‡M©R
e‡j|
47. †iwRóvW© ev wjM¨vj g‡MR©
¯’vei m¤úwËi eÜKx KvR g‡M©R wW‡Wi gva¨‡g KiZt mve-‡iwRóªvi Awd‡m wbeÜb Kiv n‡j †mUv †iwRóvW© ev wjM¨vj g‡M©R n‡e|
g‡M©R wWW e¨vs‡Ki AvBb Kg©KZv©/AvBb Dc‡`óv KZ„©K cÖYqY Kiv‡Z n‡e| G‡`i Abycw¯’wZ‡Z Aby‡gvw`Z AvBbRxwe Øviv cÖYqb
Kiv‡bv hv‡e|
48. ‡cøR (Pledge)
FY cÖ`v‡bi mgq e¨vsK hLb FY MÖnxZvi A¯’vei m¤úwË RvgvbZ ¯^iƒc wbR `L‡j G‡b FY cÖ`vb K‡i ZLb Zv‡K †cøR e‡j| †cø‡Ri
†¶‡Î RvgvbZ/c‡Y¨i gvwjKvbv FY MÖnxZvi _v‡K, Z‡e †cøRK…Z cY¨/RvgvbZ FY`vZvi AwaKv‡i _v‡K| FY MÖnxZv FY cwi‡kv‡a
e¨_© n‡j FY`vZv FYMÖnxZv‡K †bvwUk cÖ`vb mv‡c‡¶ RvgvbZK…Z gvjvgvj weµq K‡i w`‡Z cv‡i|
49. nvB‡cvw_‡Kkb (Hypothecation)
FY cÖ`v‡bi mgq e¨vsK hLb FY MÖnxZvi RvgvbZ wnmv‡e cÖ`Ë cY¨mvgMÖx wb‡Ri `L‡j bv G‡b FY cÖ`vb K‡i ZLb Zv‡K
nvB‡cvw_‡Kkb e‡j|
nvB‡cvw_‡Kk‡bi †¶‡Î RvgvbZK…Z c‡Y¨i gvwjKvbv I AwaKvi DfqB FY MÖnxZvi wbKU _v‡K| FYMÖnxZv FY cwi‡kva bv Ki‡j
e¨svK eÜKxK„Z cY¨ weµq Ki‡Z cv‡ibv| Av`vj‡Zi Avkªq wb‡q F‡Yi UvKv Av`vq Ki‡Z nq|
50. e¨vs‡Ki c~e©¯^Z¡ (Bank’s Lien)
FY cwi‡kva bv nIqv ch©šÍ FYMÖnxZvi †Kvb m¤úwË FY `vZvi AwaKv‡i ivLvi wbqg‡K c~e©¯^Z¡ ev Lien e‡j| wj‡q‡bi gva¨‡g FY`vZv
FYMÖnxZvi Mw”QZ m¤úwËi Dci †fvM `Lj Ki‡Z cv‡i Z‡e Zv weµq Kivi AwaKvi FY`vZvi †bB| G Qvov FY cwi‡kva nIqv gvÎ
m¤úwË FYMÖnxZv‡K †dir cÖ`vb Ki‡Z nq|
51. †mU-Ad (Set-Off)
hLb MÖvn‡Ki †Kvb e¨vs‡K GKwU FY wnmv‡ei cvkvcvwk Ab¨ †Kvb Rgv wnmve _v‡K ZLb FY wnmv‡ei e‡Kqv mvgÄm¨ weav‡bi
Avek¨KZv †`Lv w`‡j e¨vsKvi FYMÖnxZvi Rgv wnmv‡ei A‡_©i gva¨‡g K‡i _v‡Kb| GB e¨e¯’v MÖnb‡K †mU-Ad AwaKvi e‡j|
†mU-Ad AwaKvi cÖ‡qvM Ki‡Z n‡j MÖvnK‡K †bvwUk cÖ`vb Kiv DwPr| †mU-Ad AwaKvi H me F‡Yi †¶‡ÎB cÖ‡qvM Kiv hvq †h¸‡jvi
cwi‡kv‡ai †gqv` DËxY© n‡q †M‡Q|
wb¤œwjwLZ †¶‡Î ¯^qswµqfv‡e †mU Ad AwaKvi cÖ‡qvM Kiv hvqÑ
▪ MÖvnK †`Dwjqv n‡j ev gviv †M‡j|
▪ †Kvb †Kv¤úvbx wejyß n‡j ev Dnvi †Kvb Askx`vi †`Dwjqv n‡j|
▪ Mv‡bkx© Av‡`k cvIqv ‡M‡j|
▪ e¨vs‡K iw¶Z FY c‡Îi wØZxqevi e܇Ki Lei cvIqv †M‡j|
52. c¨vwKs †µwWU (Packing Credit)
cY¨ `ªe¨vw` we‡`‡k ißvbx Kivi D‡Ï‡k¨ cY¨ µq ev cY¨ Drcv`b QvovI ißvwb cY¨ c¨vwKs, cwienb, exgvKiY BZ¨vw`i Rb¨ ißvwb
Kvi‡Ki cÖPzi cwigv‡b A‡_©i cÖ‡qvRb nq| cY¨mvgMÖx e›`‡i cwien‡bi cÖgvbvw` mv‡c‡¶ (†hgb- ‡ijI‡q wiwmU, wógvi wiwmU)
e¨vsK ißvwbKviK‡K ¯^í †gqv‡`i Rb¨ (3/4gvm) †h FY w`‡q _v‡K Zv‡K c¨vwKs †µwWU e‡j|

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53. n¯ÍvšÍi‡hvM¨ `wjj ej‡Z wK ey‡Sb? G‡`i ‰ewkó¨mg~n wK?

†h me F‡Yi `wjj AvBbvbyMfv‡e GKR‡bi wbKU †_‡K Ab¨R‡bi wbKU n¯ÍvšÍi Kiv nq Zv‡K n¯ÍvšÍi‡hvM¨ `wjj e‡j| ‡PK, wewbgq
wej, cÖwg‡mvix †bvU BZ¨vw` n¯ÍvšÍi‡hvM¨ `wjj| 1881 mv‡ji n¯ÍvšÍi†hvM¨ `wjj AvB‡bi 13bs avivq n¯ÍvšÍi ‡hvM¨ `wjj ej‡Z
ÔÔwb‡`©wkZ e¨w³ ev evnK‡K †`q cÖwZkÖæwZ‡Z cÎ, wewbgqwej I †PK‡K eySv‡bv n‡q‡Q|Ó
‰ewkó¨t-
▪ n¯ÍvšÍi‡hvM¨ `wjj bM` A‡_©i gZ wewbgq‡hvM¨|
▪ c~e©eZx© gvwjK A_© cwi‡kva bv Ki‡j cÖK…Z gvwjK c~e©eZx© gvwj†Ki weiƒ‡× AvBbvbyM e¨e¯’v wb‡Z cv‡i|
▪ `wj‡j c~e©eZx© gvwj‡Ki m¤úwˇZ (Title) †Kvb ÎæwU _vK‡j eZ©gvb gvwjK Zv‡Z †Kvb fv‡e ¶wZMÖ¯Í ‡nvb bv|
▪ cÖwZwU n¯ÍvšÍi‡hvM¨ `wjj g~‡j¨i wewbg‡q cÖvße¨ n‡e|
54. wbqgvbymv‡i aviK (Holder in Due Course)
n¯ÍvšÍi†hvM¨ `wjj AvB‡bi 09bs aviv Abyhvqx †h e¨w³ g~j¨evb cÖwZ`v‡bi wewbg‡q †gqv` c~wZ©i c~‡e©B Ges m‡›`nRbK Abycw¯’wZ‡Z
QvovB mij wek¦v‡m †Kvb wewbgq wej MÖnY K‡ib ZLb Zv‡K h_vwenxZ aviK ev wbqgvbymv‡i aviK e‡j|
n¯ÍvšÍiKvixi gvwjKvbv ev ¯^‡Z¡ ÎywU _vK‡jI wbqgvbymv‡i aviK ‰ea gvwjKvbv cv‡eb| n¯ÍvšÍi†hvM¨ `wj†j hw` m¤ú~b© ó¨v¤ú bv jvMv‡bv
nq ev Av‡`óvi wb‡`©k D‡c¶v K‡i Abwf‡cÖZ AsK wj‡L Zv m¤úbœ Kiv nq ZeyI wbqgvbymv‡i aviK Zv cvIqvi AwaKvix n‡eb|
55. h_vwenxZ cwi‡kva (Payment in Due Course)
mij wek¦v‡m I h_vh_fv‡e mZ©KZv Aej¤^b K‡i e¨vsK hLb n¯ÍvšÍi‡hvM¨ `wj‡ji †Kvb aviK‡K UvKv cwi‡kva K‡i ZLb Zv‡K
h_vwenxZ cwi‡kva e‡j| h_vh_ mZ©KZv I mij wek¦v‡m A_© cwi‡kva Kivi c‡iI hw` H `wj‡j †Kvb ÎywU aiv c‡i Z‡e Zvi Rb¨
e¨vsKvi AvBbMZ wbivcËv cv‡eb|
56. cÖwZkªywZ cÎ ev cÖwZÁvcÎ (Promissory Note)
cÖwZkªywZ cÎ n‡”Q Av‡`óv KZ©„K cÖ¯ÍZK…Z I ¯^v¶wiZ GKwU cÎ ev `wjj †hLv‡b †Kvb e¨w³‡K ev Zvi wb‡`wk©Z Aci e¨w³‡K ev
evnK‡K PvwnevgvÎ wbw`©ó Zvwi‡L wbw`©ó cwigvb UvKv cwi‡kv‡ai kZ©nxb cÖwZkªywZ †`qv _v‡K|
57. wewbgq wej (Bill of Exchange)
Av‡`óv ev cÖ¯ZzZKvix KZ©„K Aci e¨w³i Dci wjwLZ I ¯^v¶wiZ Ggb GKwU Av‡`kcÎ †hLv‡b ‡Kvb wbw`©ó e¨w³‡K ev Zvi cÖwZwbwa‡K
wbw`©ó Zvwi‡L wbw`©ó cwigvb A_© cÖ`v‡bi kZ©nxb Av‡`k _v‡K|
wewbgq we‡j wZbwU c¶ _v‡K h_v- cÖ¯‘ZKvix ev Av‡`óv,Avw`ó ev Av‡`kcÖvß e¨w³, Ges cÖvcK|
58. ‡PK (Cheque)
†PK n‡Q AvgvbZKvix KZ©„K ¯^v¶wiZ e¨vs‡Ki Dci ZvwiLhy³ wjwLZ GKwU Av‡`k cÎ †hLv‡b wbw`©ó cwigvb UvKv wbw`©ó e¨w³‡K
ev evnK‡K PvwnevgvÎ cÖ`v‡bi kZ©nxb Av‡`k _v‡K| †PK e¨vsK KZ©„K g~`ªb K‡i AvgvbZKvix‡`i‡K mieivn Kiv nq|
59. †P‡Ki Ag©hv`v (Cheque Dishonor) ej‡Z wK eySvq? wK wK Kvi‡Y †PK Ag©hv`v n‡Z cv‡i?
e¨vs‡K cwi‡kv‡ai Rb¨ Dc¯’vwcZ †PK hLb †Kvb GK ev GKvwaK Kvi‡b e¨vsKvi cwi‡kv‡a A¯^xK…wZ Ávcb K‡i ZLb Zv‡K †P‡Ki
Ag©hv`v e‡j|
wb¤œwjwLZ Kvi‡b †PK Ag©hv`v nqt-
▪ wnmv‡e c©hvß w¯’wZ bv _vK‡j|
▪ †P‡K ZvwiL bv _vK‡j|
▪ †P‡K Av‡`óvi ¯^v¶i bv _vK‡j, †PK`vZv ‡`Dwjqv ev cvMj n‡j|
▪ †gqv` DËxY© †PK ev fwel¨Z ZvwiLhy³ †PK n‡j|
▪ ‡PK `vZvi ¯^v¶‡i Mowgj cwijw¶Z n‡j|
▪ †P‡Ki KvUvKvwU Av‡`óv KZ©„K ¯^v¶i Øviv Aby‡gv`b Kiv bv n‡j BZ¨vw`|

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60. ‡PK KZ cÖKvi I wK wK?

evnK †PK I ûKzgbvgv †PK| D‡jøwLZ Dfq cÖKvi †PK Avevi `vM †K‡U Av‡iK cÖKvi †PK ‰Zix Kiv hvq| G‡K `vMKvUv †PK e‡j|
`vMKvUvi Dci wfwË K‡i `vMKvUv †PK `yfv‡M wef³| h_v- mvaviY `vMKvUv †PK Ges we‡klfv‡e `vMKvUv †PK|
Dfq cÖKvi `vMKvUv †P‡Ki UvKv wnmv‡ei gva¨‡g msMÖn Ki‡Z nq|
61. mvaviY †iLvwqZ †PK Ges we‡kl †iLvwqZ †PK m¤ú‡©K Av‡jvPbv Ki|
▪ mvaviY `vMKvUv †PK: mvaviY fv‡e †h mg¯Í †P‡Ki Dcwifv‡Mi evg †Kv‡b AvovAvwo fv‡e `ywU mgvšÍivj †iLv †U‡b †`qv nq
ZLb Zv‡K mvaviYfv‡e `vMKvUv †PK e‡j| †Kvb †Kvb mgq mgvšÍivj †iLvi gv‡S co., not negotiable, a/c payee BZ¨vw`
kã wjLv nq|
▪ we‡klfv‡e †iLvwqZ †PK: ‡P‡Ki evg †Kv‡b †iLvi g‡a¨ ev †iLvi evwn‡i ev †Kvb cÖKvi †iLv Qvov wbw`©ó †Kvb e¨vs‡Ki bvg
D‡jøL _vK‡j Zv‡K we‡klfv‡e †iLvwqZ †PK e‡j| Giƒc `vMKvUvi D‡Ïk¨ n‡jv, ‡h e¨vs‡Ki bvg D‡jøL Kiv n‡q‡Q cÖvcK‡K
D³ e¨vs‡Ki kvLvq Zvi wnmv‡ei gva¨‡gB †PKwUi UvKv msMÖn Ki‡Z n‡e|
D‡jøL¨ ‡h, Av‡`óv (Account Holder) e¨vsK †PK †iLvsKb Ki‡Z cv‡i| `vMKvUv †P‡Ki wbivcËv †ekx| Kvib, cÖvc‡Ki wnmv‡ei
gva¨‡gB †P‡Ki g~j¨ cwi‡kvwaZ nq| AwZ Qj PvZzixi Avkªq bv wb‡j G ai‡bi †P‡Ki wbivcËv wewNœZ nqbv|
62. ‡P‡Ki cÿmg~nt ‡P‡Ki 3wU cÿ _v‡K| h_v Av‡`óv, Avw`ó I e¨vsK|
▪ Av‡`óvt †P‡Ki Av‡`óv‡K ‡PK cÖ¯‘ZKviKI e‡j| Gi gva¨‡g e¨vs‡Ki AvgvbZKvix wbw`©ó cwigvY UvKv †P‡Ki evnK ev wbw`©ó
†Kvb e¨w³‡K cÖ`vb Kivi Rb¨ Zvi e¨vsK‡K Av`‡k cÖ`vb K‡i| G‡ÿ‡Î AvgvbZKvix n‡jb †P‡Ki Av‡`óv| †Kvb cÖwZôvb
‡Kvb Kgx©‡K †PK KvUvi KZ©„Z¡ (authority) cÖ`vb Ki‡j wZwbI †P‡Ki Av‡`óv n‡eb| G‡ÿ‡Î AvgvbZKvix n‡jv cÖwZôvb wKš‘
Av‡`óv n‡jb KZ©„Z¡cÖvß e¨w³|
▪ Avw`ó t Avw`ó n‡jv †P‡Ki wØZxq cÿ| Avw`ó ej‡Z Zv‡KB eySv‡bv n‡e hvi Dci A_© cwi‡kv‡ai Rb¨ †P‡Ki gva¨‡g Av‡`k
cÖ`vb Kiv nq| e¨vsK n‡jv †P‡Ki Avw`ó|
▪ MÖvnK t mnR K_vq Av‡`óv †P‡Ki gva¨‡g hv‡K wbw`©ó cwigvY A_© cÖ`v‡bi Av‡`k †`q Zv‡K †P‡Ki cÖvcK e‡j| Av‡`óv wb‡RB
†P‡Ki cÖvcK n‡Z cv‡ib| Gi gv‡b n‡jv, e¨vsK †_‡K UvKv Zzj‡Z n‡j Zv‡K †PK KvU‡Z n‡e| †P‡Ki UvKv wZwb wb‡R Zzj‡Z
cv‡ib wKsev Ab¨‡Z w`‡qI Zzj‡Z cv‡ib|
63. e¨vsK Wªvd&U wK?
e¨vsK Wªvd&U n‡”Q e¨vsK KZ©„K wjwLZ I ¯^v¶wiZ Ggb GKwU `wjj hv †Kvb wbw`©ó e¨w³‡K wbw`©ó cwigvY A_© cÖ`v‡bi Rb¨ GK e¨vsK
KZ©„K Ab¨ e¨vs‡Ki Dci ev GKB e¨vs‡Ki Ab¨ †Kvb kvLvi Dci wjwLZ wb‡`©kbvgv we‡kl| Bnv GKwU n¯ÍvšÍi‡hvM¨ `wjj|
64. †c‡g›U AWv©i wK?
†c‡g›U AWv©i e¨vsK KZ…©K wjwLZ I ¯^v¶wiZ Ggb GKwU `wjj hv †Kvb wbw`©ó e¨w³‡K wbw`©ó cwigvb A_© cÖ`v‡bi GKwU wb‡`©kbvgv
we‡kl| Bnv cÖvcK e¨ZxZ Ab¨ KviI Ab~Kz‡j cwi‡kva Kiv hvqbv| ZvB Bnv n¯ÍvšÍi A†hvM¨ `wjj| †c‡g›U AWv©i e¨vs‡Ki †h kvLv
n‡Z Bm¨y Kiv nq †m kvLv n‡ZB Bnvi g~j¨ cwi‡kva Kiv nq|
65. e¨vsK Wªvd&U Ges †c‡g›U AWv©‡ii g‡a¨ cv_©K¨ wK ?
K) wewW Ñ ‡Kvb wbw`©ó e¨w³‡K wbw`©ó cwigvY A_© cÖ`v‡bi Rb¨ GK e¨vsK KZ…©K Ab¨ e¨vs‡Ki Dci ev GKB e¨vs‡Ki Ab¨ kvLvi
Dci wjwLZ GKwU wb‡`©kbvgv we‡kl|
wcIÑ Bnv cÖvc‡Ki wbKU cwi‡kva¨ Ges e¨vs‡Ki GKB kvLv n‡Z Bnv Bm¨y Ges cÖ`vb Kiv nq|
L) wewWÑ Bnv n¯ÍvšÍi ‡hvM¨ `wjj| wcIÑ Bnv n¯ÍvšÍi A‡hvM¨ `wjj|
66. evwm †PK (Stale Cheque) Ges fwel¨Z ZvwiLhy³ †PK (Post dated Cheque) Kv‡K e‡j?
▪ evwm †PKÑ cÖwZwU †PK cwi‡kv‡ai GKwU wbw`©ó †gqv` _v‡K| †gqv`mxgvi g‡a¨ †PK cwi‡kv‡ai Rb¨ Dc¯’vcb Kiv bv n‡j
cieZx©‡Z H †P‡Ki A_© cwi‡kva Kiv hvqbv| Giƒc †PK †K evwm †PK e‡j| miKvix †P‡Ki †¶‡Î †PK Bm¨yi ZvwiL †_‡K 03
gvm ch©šÍ Ges Ab¨vb¨ †P‡Ki †¶‡Î 06 gvm ch©šÍ †gqv` _v‡K|

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Banking Important Terms SURE MCQ

▪ fwel¨Z ZvwiLhy³ †PKÑ e¨vs‡K †hw`b †PK cwi‡kv‡ai Rb¨ Dc¯’vcb Kiv nq †P‡K wjwLZ ZvwiL hw` Zvi cieZx© †Kvb w`‡bi
nq Z‡e Zv‡K fwel¨Z ZvwiLhy³ †PK e‡j| fwel¨Z ZvwiLhy³ †PK cwi‡kva Ki‡j wb¤œwjwLZ Kvi‡b e¨vsKvi AvBbMZ wbivcËv
cv‡eb bv t
▪ †P‡Ki Zvwi‡Li c~‡e© hw` †PK `vZvi g„Z¨y N‡U|
▪ †P‡Ki Zvwi‡Li c~‡e© hw` †PK `vZv †P‡Ki A_© cwi‡kva eÜ K‡i †`b|
▪ †P‡Ki Zvwi‡Li c~‡e© hw` †PK `vZv †`Dwjqv ev cvMj n‡q hvb|
▪ fwel¨Z ZvwiLhy³ †PK cwi‡kva Kivi d‡j hw` eZ©gvb Zvwi‡Li †Kvb †PK Dishonour nq|
67. Wig¨v›U, BbAcv‡iwUf Ges Avb‡K¬Bg&W wnmve wK?
▪ Wig¨v›U ev myß wnmveÑ MÖvnK ev wnmveavix Zvi wnmv‡e GKwU wbw`©ó mgq ch©šÍ †jb‡`b bv Ki‡j A_v©r wnmve †jb‡`bwenxb
Ae¯’vq ivL‡j Zv‡K myß ev Wig¨v›U wnmve e‡j| PjwZ wnmv‡ei †¶‡Î 06 gvm Ges mÂqx wnmv‡ei †¶‡Î 12 gvm †jb‡`b eÜ
ivL‡j wnmve Wig¨v›U nq| cÖwZ eQ‡ii gvP©,Ryb,†m‡Þ¤^i Ges wW‡m¤^i gv‡m Wig¨v›U wnmve mg~n wPwýZ Ki‡Z nq|
▪ BbAcv‡iwUf ev wbw®Œq wnmveÑ PjwZ Ges mÂqx Dfq cÖKvi wnmv‡e MÖvnK hw` µgvMZfv‡e `yB ermi ev Z‡ZvwaK mgq †jb‡`b
bv K‡i Z‡e Zv‡K BbAcv‡iwUf wnmve e‡j| cÖwZ eQ‡ii 10 wW‡m¤^i †jRvi n‡Z BbAcv‡iwUf Kv‡i›U GKvD›U mg~n
ÔBbAcv‡iwUf Kv‡i›U GKvD›UÕ †iwRóv‡i ¯’vbvšÍi Ki‡Z nq| mÂqx wnmv‡ei †¶‡Î D‡jøwLZ KvR 20 wW‡m¤^i Kiv nq|
▪ Avb‡K¬Bg&W wnmveÑ 10 ermi ev Z‡ZvwaK mg‡qi PjwZ ev mÂqx BbAcv‡iwUf wnmve mg~n‡K Avb‡K¬Bg&W wnmve e‡j|
Avb‡K¬Bg&W wnmve mg~n BbAcv‡iwUf GKvD›U †iwRóvi n‡Z Avb‡K¬Bg&W wW‡cvwRU †iwRóv‡i ¯’vbvšÍi Ki‡Z nq| G KvRwU cÖwZ
eQ‡ii 29 Ryb m¤úbœ Ki‡Z nq|
68. Bbwm‡W›Uvj PvR© (Incidental Charge) wK?
†h me PjwZ wnmv‡ei w¯’wZ b~b¨Zg w¯’wZ A‡c¶v Kg _v‡K †m me PjwZ wnmve †_‡K lvb¥vwlK wfwˇZ GKwU PvR© Av`vq Kiv nq,
hv‡K Bbwm‡W›Uvj PvR© e‡j| cÖwZ eQ‡ii gvP© Ges †m‡Þ¤^i gv‡m GB PvR© Av`vq Kiv nq| Av`vqK…Z UvKv e¨vs‡Ki ÔKwgkb wnmv‡eÕ
Rgv Kiv nq|
69. Average Rate of Return (A.R.R)
Average Rate of Return ‡K Accounting Rate of Return ev Rate of Return ejv n‡q _v‡K|
Average Rate of Return ej‡Z †Kvb cÖK‡íi Mo Avq fvM Mo wewb‡qvM †K eySvq| cÖK‡íi U¨v· cieZx© Av‡qi mgwó‡K
cÖK‡íi Avqy¯‹vj w`‡q fvM K‡i Mo Avq wbiƒcb Kiv nq| Avevi cÖK‡íi gyjab hšÎcvwZi cÖv_wgK g~j¨ Ges hšÎcvwZi mvj&‡fR
g~‡j¨i mgwói A‡a©K‡K Mo wewb‡qvM wnmv‡e aiv nq|
70. Net Present Value (N.P.V)
Net Present Value ej‡Z cÖwZ eQ‡ii Net Cash Inflow Gi mgwó Ges Net Cash Outflow Gi mgwói g‡a¨ †h cv_©K¨
Zv‡K eySvq|
71. Internal Rate of Return (I.R.R)
Internal Rate of Return ‡K †Kvb †Kvb mgq Discounted Rate of Return e‡j| cÖK‡íi Internal Rate of Return
n‡Q Ggb GKwU Discounted Rate hv Present Value of Cash Inflow Ges Present Value of Cash Outflow-†K
mgvb K‡i|
72. Pay Back Period (P.B.P)
Pay Back period ej‡Z H mgq Kvj‡K eySvq †h mgq Kv‡ji g‡a¨ cÖK‡í wewb‡qvMK…Z A_© †diZ cvIqv hvq|
73. Break Even Point: ‡Kvb cÖK‡íi Break Even point Drcvw`Z c‡Y¨i H cwigvb weµq‡K wb‡`©k K‡i hv †gvU Li‡Pi
mgvb nq|
74. Discount (evÆvKib): fwel¨‡Zi cÖvße¨ A‡_©i eZ©gvb g~j¨ wba©vib Kivi c×wZ‡K Discount ev evÆvKib e‡j|
75. ev‡RU (Budget): ev‡RU (Budget) n‡Q †Kvb Avw_©K eQ‡i miKvi ev †Kvb cÖwZôv‡bi AvbygvwbK Avq I cÖ¯ÍvweZ e¨‡qi
Ges cÖvwß I cÖ`v‡bi GKwU wee„wZ| cÖwZwU Avw_©K eQ‡ii ïiæ‡Z ev‡RU ‰Zix Kiv nq|
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76. Assets
Assets are the things owned by the business. Assets are the properties of an organisation.
77. ¯’vqx m¤ú` (Fixed Asset):
‡h mKj m¤ú` `xN©w`b e¨envi Kiv hvq †m¸‡jvB ¯’vqx m¤ú`| ‡hgb- Rwg, BgviZ, hšÎcvwZ, AvmevecÎ BZ¨vw`|
78. PjwZ m¤ú` (Current Asset): ‡h mKj m¤ú` GK eQ‡ii g‡a¨ bM‡` iƒcvšÍi Kiv hvq †m mKj m¤ú`†K PjwZ m¤ú` e‡j|
‡hgb- Cash in hand, Cash at Bank, Bills recievable, Work in process, Finished goods, Deposits etc. wKQz
wKQz Kv‡i›U A¨v‡mU‡K KzBK A¨v‡mU e‡j, Kvib G¸‡jv AwZ mn‡R bM‡` iƒcvšÍwiZ Kiv hvq|
79. Non-Current Asset
wKQz wKQz m¤ú` Av‡Q †h¸‡jv ¯’vqx ev PjwZ cÖK…wZi bq, ga¨g cÖK…wZi G m¤ú`‡K bb-Kv‡i›U A¨v‡mU e‡j|
†hgb-Kg©KZ©v I KgP©vix‡`i FY I AMÖxg,RgvK…Z Av‡bó© gvwb,LyPiv hšÎvs‡ki gRy` BZ¨vw`|
80. A¯úk©bxq m¤ú` (Intangible Asset)
‡h ai‡bi m¤ú` †Pv‡L †`Lv hvq bv ev †Qvuqv hvq bv, wKš‘ e¨emv‡q G‡`i g~j¨ Av‡Q| †hgb- e¨emv‡qi mybvg, †UWª gvK©, Kwc
ivBU,†c‡U›U, jvB‡mÝ BZ¨vw`|
81. Fictitious Asset
‡h ai‡bi m¤ú‡`i Real Existence †bB Ges hyMcr fv‡e e¨emv‡q Gme m¤ú‡`i †Kvb g~j¨ †bB| †hgb- jvf-¶wZ wnmv‡ei †WweU
w¯’wZ, wcÖwjwgbvix G·‡cÝ| hZ kxNÖ m¤¢e Avq n‡Z G ai‡bi m¤ú` ivBU Ad Kiv DwPr|
82. Deferred Revenue Expenditure
e¨emv cwiPvj‡b wKQz wbw`©ó LiP Kiv nq hvi wewbg‡q mydj †ek K‡qK eQi a‡i cvIqv hvq| e¨emvq AwR©Z cÖwZ eQ‡ii Avq ‡_‡K
wKQz wKQz K‡i G LiP ivBU Ad Kiv nq| †hgb- weÁvcb LiP, cvewjwmwU K¨v‡¤úBb LiP BZ¨vw`|
83. `vq (Liabilities)
e¨emv cwiPvjbvi Rb¨ e¨emvq cÖwZôvbmg~n wewfbœ Drm n‡Z A_© msMÖn K‡i _v‡K hv wbw`©ó mgqv‡šÍ `vZv‡K †diZ w`‡Z nq, GB
A_©-B n‡Q e¨emvq cÖwZôvbmg~‡ni `vq| e¨emvq cÖwZôv‡bi cwiPvjK/Askx`vi ev gvwjKMb e¨emvq †h A_© wewb‡qvM K‡i Zv
cwiPvjK/Askx`vi ev gvwjKM‡bi wbKU e¨emv cÖwZôv‡bi `vq| GB `vq‡K Owners Equity e‡j|
84. `xN©‡gqv`x `vq (Long Term Liabilities)
‡h `vqmg~n m„wó nIqvi ci GK eQ‡ii AwaK mgq a‡i weivRgvb _v‡K ZvB `xN© †gqv`x `vq wnmv‡e we‡ewPZ nq| †hgb- e¨emvi
AeKvVv‡gv wbgv©‡b M„nxZ FY| G ai‡bi FY `xN© mgq a‡i cwi‡kva‡hvM¨|
85. Short Term ev Current Liabilities
e¨emv cÖwZôv‡bi †h `vq mg~n GK erm‡ii g‡a¨ cwi‡kva Ki‡Z nq †m `vq ¸‡jvB n‡Q Short Term ev Current Liabilities.
‡hgb- GWf¨vÝ wiwmÞm, cÖwfkb di U¨v‡·kb, `xN©‡gqv`x `v‡qi cwi‡kva‡hvM¨ wKw¯Í BZ¨vw`|
86. Kw›Ub‡R›U `vq (Contingent Liabilities)
‡Kvb †Kvb mgq Giƒc `vq m„wó n‡Z cv‡i †h ¸‡jv c~ev©bywgZ bq ev AwbwðZ †Kvb NUbv n‡Z m„ó, G mg¯Í `vq‡K Contingent
Liabilities e‡j| †hgb- Liabilities for Additional Taxes, Liabilities Under Guarantees, Pending Law Suit etc.
87. jvf-¶wZ wnmve
GKwU wbw`©ó mgqv‡šÍ †Kvb e¨emv cÖwZôv‡bi e¨emv cwiPvjbvi djvdj wbiƒc‡bi Rb¨ †h wnmve ‰Zix Kiv nq †mUvB jvf-¶wZi
wnmve| `ywU †gŠwjK Dcv`vb w`‡q jvf-¶wZ wnmve ‰Zix Kiv nq| GKwU nj Avq Ges AciwU nj e¨q| Avq A‡c¶v e¨q †ekx n‡j
¶wZ nq| Avevi e¨q A‡c¶v Avq †ekx n‡j jvf nq|
88. w¯’wZ cÎ (Balance Sheet): GKwU wbw`©ó Zvwi‡L †Kvb e¨emv cÖwZôv‡bi Avw_©K wPÎ †h c‡Îi gva¨‡g cÖ`wk©Z nq ZvB w¯’wZ
cÎ| Current Ratio = Current Assets/Current Liabilities, hw` AbycvZwU 01(GK) Gi AwaK nq Z‡e eySv‡e †h, mKj
PjwZ `vq cwi‡kv‡ai Rb¨ h‡_ó PjwZ m¤ú` Av‡Q| Avi hw` AbycvZwU 01(GK) nq Z‡e gvwR©bvwj PjwZ m¤ú` Øviv PjwZ `vq
cwi‡kva n‡e| Avi hw` AbycvZwU 01(GK) Gi Kg nq Z‡e PjwZ m¤ú` Øviv PjwZ `vq cwi‡kva Kiv hv‡e bv|
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89. Gjwm (Letter of Credit)

‡h c‡Îi gva¨‡g e¨vsK Avg`vwbKvi‡Ki c‡¶ ißvbxK…Z c‡Y¨i g~j¨ wbw`©ó mg‡q wKQz wbw`©ó `wjivw` Dc¯’vc‡bi ci cwi‡kva Ki‡e
e‡j wbðqZv cÖ`vb K‡i Zv‡K cÖZ¨q (Letter of Credit) cÎ e‡j| cÖZ¨qc‡Îi gva¨‡g Avg`vbxKvi‡Ki †`‡ki †Kvb e¨vsK
Avg`vbxKvi‡Ki c‡¶ we‡`‡ki ißvbxKviK‡K GB g‡g© wbðqZv cÖ`vb K‡i †h, Avg`vbxKviK c‡Y¨i g~j¨ cwi‡kv‡a e¨_© n‡j ev
cwi‡kva Ki‡Z A¯^xKvi Ki‡j D³ e¨vsK Avg`vbxK…Z c‡Y¨i g~j¨ ißvbxKviK‡K cwi‡kva Ki‡Z eva¨ _vK‡e|
▪ Bm¨ywqs e¨vsK: ‡h e¨vsK Avg`vbxKvi‡Ki Av‡e`‡b Gjwm Ly‡j ev Bm¨y K‡i †mB e¨vsK‡K Bm¨ywqs e¨vsK e‡j|
▪ GWfvBwms e¨vsKt Bm¨ywqs e¨vsK †h e¨vs‡Ki gva¨‡g g~j Gjwm ißvbxKvi‡Ki Kv‡Q cvVvq A_©vr †h e¨vsK Bm¨ywqs e¨vs‡Ki KvQ
†_‡K Gjwm †c‡q ißvbxKvi‡Ki Kv‡Q cvwV‡q †`q †mB e¨vsK‡K GWfvBwms e¨vsK e‡j|
▪ †b‡Mvwm‡qwUs e¨vsKt ‡h e¨vsK ißvbxKvi‡Ki KvQ †_‡K KvMRcÎ †c‡q Gjwmi kZ©vbyhvqx ißvbxKviK‡K ißvbxg~j¨ cwi‡kva
K‡i †mB e¨vsK‡K †b‡Mvwk‡qwUs e¨vsK e‡j|
▪ wiB¤^vwm©s e¨vsKt ‡h e¨vsK †b‡Mvwk‡qwUs e¨vs‡Ki `vex Abyhvqx Gjwm Bm¨ywqs e¨vs‡Ki GKvD›U †WweU K‡i `vex wgwU‡q †`q †mB
e¨vsK‡K wiB¤^vwms© e¨vsK e‡j|
90. RvnvRx `wjj (Bill of Lading)
Rvnv‡R cY¨ †evSvB‡qi ci RvnvR KZ…©c¶ cY¨ †evSvB Ges fvov Pzw³ ¯^xKvi K‡i ißvbxKviK‡K †h iwk` cÖ`vb K‡i _v‡K Zv‡K
RvnvRx `wjj ev Bill Of Lading e‡j| GB `wj‡j RvnvRx †Kv¤úvbx GB g‡g© cÖwZkªywZ cÖ`vb K‡i †h, `wj‡j wjwLZ e¨w³‡K Ges
`wj‡ji kZ©vw` †gvZv‡eK cY¨ Lvjvm Kiv n‡e|
RvnvRx `wjj wZb cÖKvi ‰Zix Kiv nq Ges Dnv RvnvR KZ©„c¶ KZ©„K ¯^v¶wiZ n‡Z nq| Bnvi GK Kwc ißvbxKviK wb‡R iv‡L, GK
Kwc Avg`vbxKvi‡Ki wbKU †cÖiY K‡i, Ges GK Kwc Rvnv‡Ri Kvßv‡bi| RvnvRx `wj‡ji e‡j Avg`vbxKviK Avg`vbxK…Z c‡Y¨i
¯^Z¡vwaKvi jvf K‡i|
91. NyY©vqgvb cÖZ¨qcÎ (Revolving Letter of Credit)
GKwU wbw`©ó mgq ch©šÍ e¨envi‡hvM¨ Ges wbw`©ó cwigvY A‡_©i Rb¨ e¨vsK KZ©„K cÖ`Ë FYcÎ evievi GKB cwigvY A‡_©i Rb¨ e¨envi
Kiv n‡j Zv‡K Ave©Zgvb ev N~Yv©qgvb FYcÎ e‡j| G ai‡bi FYc‡Îi ‰ewkó¨ n‡”Q- GKB cwigvb A‡_©i Rb¨ G FYcÎ e¨envi Kiv
hvq| G ai‡bi FYc‡Îi gva¨‡g GKB mg‡q GKvwaK †jb‡`b wgUv‡bv hvq|
we‡ji UvKv m¤ú~Y© ev AvswkK cwi‡kva Kiv n‡j cÖZ¨q cÎ (Letter of Credit) evwZj nq bv|
92. e¨vK Uz e¨vK Gjwm
cY¨ Avg`vbxKviK KZ©„K Bm¨yK…Z cÖZ¨q c·K mn‡hvMx RvgvbZ wnmv‡e MÖnbc~e©K cY¨ mieivnKvixi Ab~Kz‡j AwZwi³ FYcÎ Bm¨y
ev cÖ`vb Kivi wbwg‡Ë ißvbxKviK Advising Bank ev Ab¨ ‡Kvb e¨vsK‡K Aby‡iva Ki‡Z cv‡i| AwZwi³ cÖZ¨q cÎ cÖvwßi
wewbg‡q cÖ_g Bm¨yK…Z cÖZ¨qc·K mn‡hvMx RvgvbZ wnmv‡e e¨envi Kiv nq ZLb Zv‡K eªvK Uz e¨vK Gjwm ejv nq| G ai‡Yi
FYc‡Îi myweav n‡Q- Giƒc FYc‡Îi g~j¨ Ges RvnvRxKi‡bi ZvwiL †KvbUvB g~j FYc‡Îi ZvwiL AwZµg Ki‡Z cv‡ibv|
‡h‡nZz ißvbx we‡ji wewbg‡q FYcÎ †Lvjv nq- ZvB ißvbxg~j¨ cwi‡kv‡ai mv‡_ mv‡_ Zvi `vq cwi‡kv‡ai m¤¢vebv _v‡K|
hw` †µZv gvj MÖnY K‡i †m‡¶‡Î Pzw³ Abymv‡i wbw`©ó mgqv‡šÍ e¨vsK Zvi UvKv we‡`kx e¨vsK †_‡K †WweU K‡i wb‡Z cv‡i|
93. Free On Rail (F.O.R.)
Pzw³ ev Gjwm- †Z D‡jøwLZ ‡÷kb ch©šÍ gvjvgvj enb K‡i †Uª‡b Load Kiv ch©šÍ hveZxq LiP weµqKvix ev ißvbxKvi‡Ki Ges †Uªb
†_‡K gvjvgvj Lvjvm K‡i †bqvi hveZxq e¨e¯’v I LiP †µZvi ev Avg`vbxKvi‡Ki|
94. Free On Board (F.O.B.)
Gi A_© n‡Q Port of Shipment G gvjvgvj On Board Kiv ch©šÍ gvjvgv‡ji g~‡j¨i AšÍf©y³ ev ißvbxKvi‡Ki Ges Port of
Shipment n‡Z fvov I Bݨy‡iÝ eve` ‡h LiP Zv †µZvi|
95. Cost And Freight (C&F)
Gi A_© n‡Q RvnvRxKi‡bi hveZxq LiP I MšZe¨ e›`i ch©šÍ fvov gvjvgv‡ji g~‡j¨i AšÍfy©~³ ev ißvbxKvi‡Ki| wKš‘ Port of
Shipment n‡Z †h Bݨy‡iÝ LiP Zv †µZvi|
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96. Cost Insurance and Freight (C.I.F.)

Gi A_© n‡Q RvnvRxKi‡bi hveZxq LiP, fvov Ges MšÍe¨ e›`i ch©šÍ Bݨy‡iÝ LiP gvjvgv‡ji g~‡j¨i AšÍf©y³| A_©vr G LiP ¸‡jv
ißvbxKvi‡Ki|
97. Nostro Account And Vostro Account
Nostro Account Gi A_© n‡Q ÔÔAvgv‡`i wnmve †Zvgv‡`i mv‡_ÕÕ| †`kxq e¨vs‡Ki we‡`kx Kv‡im†cv‡Û›U Gi mv‡_ cwiPvwjZ
‰e‡`wkK g~`ªvi wnmve‡K Nostro Account e‡j|
Vostro Account Gi A_© n‡Q ÔÔ‡Zvgv‡`i wnmve Avgv‡`i mv‡_ÕÕ| we‡`kx Kv‡i¯ú‡Û›U Gi c‡¶ A‡_vivBR&W wWjviMb ‰e‡`wkK
g~`ªvq †h wnmve cwiPvjbv K‡i ZvB Vostro Account|
98. A‡_vivBRW wWjvi (A.D)
Zdkxwj e¨vs‡Ki †h kvLv ¸‡jv evsjv‡`k e¨vs‡Ki Aby‡gv`b wb‡q ‰e‡`wkK g~`ªv †jb‡`b K‡i †m kvLv ¸‡jv‡K A‡_vivBR&W wWjvi
e‡j|
99. wbKvk Ni (Clearing House)
wbKvk Ni n‡Q Ggb GKwU ¯’vb †hLv‡b e¨vsK mg~‡ni cÖwZwbwaMY GK‡Î wgwjZ n‡q we‡kl c×wZ‡Z wb‡R‡`i †`bv cvIbv wb®úwË
K‡i _v‡Kb| wbKvk N‡ii g~j ‰ewkó¨ n‡jv cÖwZwU e¨vsK GLv‡b Avmvi mgq GK e¨vsK Ab¨ e¨vs‡Ki bv‡g wjwLZ †PK mv‡_ K‡i
wb‡q Av‡m Ges wb‡Ri e¨vs‡Ki Dci wjwLZ †PK cÖ‡Z¨K e¨vs‡Ki cÖwZwbwa MÖnY K‡ib Ges Zvi wfwˇZ `vq †`bv wbiƒcb K‡ib|
†K›`ªxq e¨vsK Zvi wbKU iw¶Z m`m¨ e¨vsK ¸‡jvi wnmv‡e †hvM we‡qvM K‡i †`bv cvIbvi wb®úwË K‡i †`b|
100. ‡b‡Mvwm‡qkb ebvg A¨vmvBb‡g›U
‡b‡Mvwm‡qkb ej‡Z †Kvb n¯ÍvšÍi‡hvM¨ `wj‡ji †hgb wewbgq wej, †PK BZ¨vw`i n¯ÍvšÍi eySvq| Bnv Aek¨B †b‡Mvwm‡qej A¨v± Abyhvqx
m¤úbœ n‡Z nq|
wecixZµ‡g, A¨vmvBb‡g›U ej‡Z m¤úwË n¯ÍvšÍi AvBb Abyhvqx `wjj ev Ab¨ wKQzi gva¨‡g †Kvb m¤úwË n¯ÍvšÍi†K eySvq|
101. DB‡Ûv †Wªwms
e¨vswKs Gi fvlvq DB‡Ûv †Wªwms- Gi A_© n‡Q mvgwqK mg‡qi Rb¨ GKwU õxZ AvgvbZ m„wó K‡i DaŸ©Zb KZ©„c¶‡K ÁvZ Kiv‡bv|
DB‡Ûv †Wªwms Gi gva¨‡g e¨e¯’vcKMb Avgvb‡Zi j¶¨gvÎv AR©b/e„wׇZ Zv†`i mdjZv cÖgv‡bi †Póv K‡ib|
102. e¨vsK †iU I F‡Yi byb¨Zg nvi
e¨vsK nvi ej‡Z e¨vs‡Ki my‡`i nvi‡K eySvq| A_©vr †K›`ªxq e¨vsK †h nv‡i evwbwR¨K e¨vsK ¸‡jv‡K FY †`q Zv‡K e¨vsK †iU e‡j|
wecixZµ‡g †h my‡` evwbwR¨K e¨vsK¸wj †Kvb cÖwZôvb ev e¨w³‡K FY cÖ`vb K‡i Zv‡K F‡Yi byb¨Zg nvi e‡j| e¨vsK ‡iU Kg‡j
¯^vfvweKfv‡eB F‡Yi byb¨Zg nvi K‡g hvq, d‡j MªvnKM‡Yi FY MÖn‡bi cÖeYZv †e‡o hvq| g~`ªv evRvi wbqšÎ‡Y †K›`ªxq e¨vsK
K‡Vvifv‡e e¨vsK nvi wbqšÎY K‡i|
103. cÖevmx wnmve (Non-Resident Account) t
ˆe‡`wkK g~`ªv wewbgq wbqšÎY g¨vby‡qj Abyhvqx †Kvb e¨w³, dvg ©ev †Kv¤úvbx hviv we‡`‡k Ae¯’vb Ki‡Q Ges hv‡`i wnmve Zdmxwj
e¨vs‡Ki GwW kvLvq i‡q‡Q †mB wnmve ¸wj‡K cÖevmx wnmve ev Non-Resident Account e‡j|
104. g~jab evRvi (Capital Market)
`xN©‡gqv`x A_©ms¯’v‡bi m‡½ mswkøó mKj cÖKvi gva¨g w`‡q MwVZ evRvi‡K g~jab evRvi ev Capital Market e‡j| GB evRv‡ii
g~j cÖwZôvbmg~n n‡Q e¨vsK, exgv †Kv¤úvbx, `xN©‡gqv`x A_© ms¯’vbKvix we‡klvwqZ cÖwZôvb, óK G·‡PÄ BZ¨vw`| g~jab evRv‡i
bM` A_©, wewfbœ Dr†mi bvbv ai‡bi FY I wewfbœ cÖKvi jMœxcÎ †jb-‡`b nq|
105. A_© evRvi(Money Market): ‡h evRv‡i ¯^í‡gqv`x FY mg~‡ni †jb-‡`b nq Zv‡K A_© evRvi ev Money Market e‡j|
A_© evRv‡ii Rb¨ e¨w³ ev cÖwZôvb wfwËK wewfb œDr†mi wbKU Ajm A_© _vKv cÖ‡qvRb Ges Zv‡`i ¯^í †gqv`x wewb‡qv‡M AvMÖn _vK‡Z
n‡e| mymsMwVZ A_© evRv‡i e¨emvq cÖwZôvb mg~n Zv‡`i PjwZ g~jabRwbZ mgm¨v mgvavb Ki‡Z cv‡i, Ab¨w`‡K ¯^íKv‡ji R‡b¨
Ajm A_© wewb‡qv‡Mi myweav cvIqv hvq|

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106. †kqvi evRvi (Stock Exchange)

‡kqvi evRvi ej‡Z †hŠ_ g~jabx cÖwZôvbmg~‡ni †kqvi, wW‡eÂvi µq-weµ‡qi mymsMwVZ wewbgq †K›`ª‡K eySvq| †kqvi evRv‡i ïaygvÎ
ZvwjKvf~³ †K¤úvbxi †kqvi, wW‡eÂvi, eÛ, óK BZ¨vw` †Kbv‡ePv nq|
107. ¶wZc~iY cÎ (Letter of Indemnity)
¶wZc~iY cÎ GKwU A½xKvicÎ we‡kl| G‡Z GK c¶ Ab¨ c¶‡K G g‡g ©A½xKvi cÖ`vb K‡i †h hw` †Kvb Kvib ekZt wØZxq c¶
¶wZMÖ¯Í nq Z‡e cÖ_g c¶ wØZxq c¶‡K †m ¶wZc~iY w`‡Z eva¨ _vK‡e| ¶wZc~iY c‡Î cÖ_g I wØZxq c‡¶i ¯^v¶i QvovI ¯^v¶x
wnmv‡e Z…Zxq c‡¶i ¯^v¶i _v‡K|
108. Mviwbwk AWvi©/wbwm (Garnishi Order)
Mviwbwk Av‡`k ej‡Z Av`vjZ KZ…©K cÖ`Ë Ggb Av‡`k‡K eySvq hvi gva¨‡g cvIbv`vi Zvi cvIbv UvKv Z…Zxq c‡¶i (e¨vsK) wbKU
MwQZ †`bv`v‡ii A_© †µvK Ki‡Z cv‡ib|
Mviwbwk Av‡`k `yB ai‡bi- mxgvnxb I mxgve×| e¨vs‡K iw¶Z m¤ú~b© UvKvi Dci Av‡`k n‡j Zv‡K mxgvnxb Av‡`k e‡j| Avi hw`
Av‡`k wbw`©ó cwigvb UvKvi Dci nq Z‡e Zv‡K mxgve× Av‡`k e‡j|
109. Gm.Gg.B (S.M.E.)
GmGgB ej‡Z ¯§j GÛ wgwWqvg G›UvicÖvB‡Rm eySvq| miKvi m¤úªwZ ¶y`ª I gvSvwi wk‡íi (GmGgB) bZyb GKK msÁv wba©viY
K‡i‡Q| bZzb msÁv Abymv‡i ÒcvewjK wjwg‡UW †Kv¤úvbx bq, Ggb †mev I e¨emv Lv‡Z f~wg I BgviZ ev‡` †gvU m¤ú‡`i cwigvb
50 nvRvi †_‡K 50 jvL UvKv ch©šÍ n‡j A_ev cÖwZôv‡bi †jvKej m‡e©vP 25Rb n‡j A_ev `y‡Uvi mgš^q n‡j Zv‡K ¶y`ª D‡`¨vM
we‡ePbv Kiv hv‡e| Avi wkí Lv‡Z f~wg I BgviZ Qvov †gvU m¤ú‡`i cwigvY 50nvRvi †_‡K †`o †KvwU UvKv ch©šÍ n‡j A_ev
cÖwZôv‡bi †jvKej 50Rb n‡j A_ev `y‡UvB _vK‡j Zv‡K ¶y`ª D‡`¨vM ejv hv‡e|Ó
Ab¨w`‡K gvSvwi D‡`¨v‡Mi bZzb msÁvq ejv n‡q‡Q, ÒcvewjK wjwg‡UW †Kv¤úvbx bv n‡j f~wg I BgviZ ev‡` †mev I e¨emv Lv‡Z
cÖwZôv‡bi †gvU m¤ú‡`i cwigvb 50jvL †_‡K 10†KvwU UvKv ch©šÍ n‡j A_ev †jvKe‡ji msL¨v m‡e©vP 50Rb n‡j A_ev GK‡Î `y‡UvB
n‡j †mwU gvSvwi D‡`¨vM we‡ePbv Kiv hv‡e| Avi wkí Lv‡Z f~wg I BgviZ ev‡` cÖwZôv‡bi †gvU m¤ú‡`i cwigvb †`o †KvwU UvKv
†_‡K 20†KvwU UvKv ch©šÍ n‡j A_ev †jvKe‡ji msL¨v 150Rb n‡j
A_ev `y‡UvB _vK‡j Zv‡K gvSvwi D‡`¨vM we‡ePbv Kiv hv‡e|Ó
110. F‡Yi g~j¨vqb(Credit Apprisal)
‡Kvb e¨w³ ev cÖwZôvb KZ©„K F‡Yi Av‡e`b Kivi ci e¨vsK/A_©jwMœKvix cÖwZôvb Av‡e`bc‡Îi mwVKZv, F‡Yi D‡Ïk¨ I
cÖ‡qvRbxqZv, MÖnxZvi Ae¯’v, F‡Yi h_vh_ e¨envi Ges FY †diZ cvIqvi wbðqZv m¤ú‡K© †h Z`šÍ Ges we‡kølb K‡i _v‡K Zv‡K
F‡Yi g~j¨vqb e‡j| cÖKí g~j¨vq‡bi †¶‡Î Avf¨šÍixb Drcv`b nvi (IRR), Avq-e¨vq AbycvZ, †c-e¨vK wcwiqW, wewfbœ AbycvZ
we‡kølb Kiv nq|
111. gvwb jÛvwis(Money Laundering)
gvwb jÛvwis cÖwZ‡iva AvBb 2002 -‡Z gvwb jÛvwis Gi msÁv wb¤œiƒc t A‰ea cš’vq cÖZ¨¶ ev c‡iv¶fv‡e AwR©Z m¤ú`| ‰ea ev
A‰ea cš’vq cÖZ¨¶ ev c‡iv¶fv‡e AwR©Z m¤ú‡`i A‰ea cš’vq n¯ÍvšÍi, iƒcvšÍi, Ae¯’vb †MvcbKiY ev D³ Kv‡R mnvqZv Kiv| GLv‡b
m¤ú` ej‡Z †h †Kvb cÖK…wZi I eb©bvi ¯’vei ev A¯’vei m¤ú`‡K eySv‡bv n‡q‡Q|
gvwb jÛvwis Gi djvdj cÖavbZt
▪ gvby‡li g‡a¨ A‰ea m¤ú` AR©‡bi wjáv e„w× cvq|
▪ miKv‡ii ivR¯^ n«vm cvq|
▪ Bnv gv`K e¨emv, †PvivKvievix, mšÎvmx, A‰ea A¯¿ e¨emv I Ab¨vb¨ A‰ea Kvh©Kjvc e„wׇZ mnvqZv K‡i|
▪ Avw_©K Lv‡Z wek„sLjv m„wó K‡i †`‡ki A_©‰bwZK AMÖMwZ evavMÖ¯Í K‡i|
gvwb jÛvwis m¤ú©wKZ KwZcq G‡eªwf‡qkb t
▪ KYC (Know Your Customer) – Bnv GKwU cÖe©wZZ dig| G di‡g MÖvn‡Ki KwZcq ¸iyZ¡c~Y© Z_¨ †bqv nq Ges
gvwmK m¤¢ve¨ †jb‡`‡bi cwigvb D‡jøL _v‡K| wnmve †Lvjvi mgq GB dig †bqv n‡q _v‡K|

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▪ TP (Transaction Profile) – gvwb jÛvwis cÖwZ‡iva AvBb 2002 Abyhvqx wnmveavix GB di‡gi gva¨‡g †h †Kvb
Aby‡gvw`Z cÖ‡hvR¨ KZ©„c‡¶i wbKU wnmv‡ei Z_¨ mieiv‡ni ¶gZv e¨vsKvi‡K cÖ`vb K‡i| G di‡gI wnmveavix gvwmK
AbywgZ †jb‡`‡bi aiY I cwigvb D‡jøL K‡i|
▪ STR (Suspicious Transaction) – ‡Kvb wnmv‡e A¯^vfvweK ev m‡›`nRbK †jb‡`b msNwUZ n‡j Zv
Suspicious transaction wnmv‡e wPwýZ K‡i evsjv‡`k e¨vs‡K wi‡cvU© Ki‡Z nq|
▪ CTR (Cash Transaction) – wnmv‡e 10.00 j¶ UvKv †jb‡`b n‡j evsjv‡`k e¨vs‡K wi‡cvU ©Ki‡Z nq|

[gvwb jÛvwis AvB‡b †`vlx mve¨¯Í n‡j 07(mvZ) eQi Kviv `‡Ûi weavb Av‡Q|]
112. Askx`vix Kvievi
`yB ev Z‡ZvwaK e¨w³ †`‡ki cÖPwjZ ixwZ Abymv‡i gybvdv jv‡fi Rb¨ Pzw³ e× n‡q †h Kvievi msMVb K‡i Zv‡K Askx`vix ev
kwiKvbv Kvievi e‡j| gybvdv AR©‡bi gvb‡m Zviv †¯^”Qvq g~jab, kªg I Ab¨vb¨ Dcv`vb GKÎ K‡i|
‡h mKj e¨w³ D³ Kvievi msMVb K‡i Zv‡`i‡K GKKfv‡e Askx`vi e‡j Ges mw¤§wjZfv‡e Zv‡`i‡K Askx`vix cÖwZôvb ev dvg©
bv‡g AwfwnZ Kiv nq| Pzw³ e¨ZxZ †Kvb Askx`vix Kvievi MwVZ n‡Z cv‡ibv| mvavib e¨emv‡q 20Rb Ges e¨vsK e¨emv‡q 10Rb
Gi †ekx Askx`vi nqbv|
‡hŠ_-g~jabx †Kv¤úvbx (Joint Stock Company): mxgve× `v‡qi wfwˇZ gybvdv AR©‡bi Rb¨ KwZcq e¨w³ †¯^Qvq wgwjZ n‡q
Ges †h․_fv‡e g~jab mieivn K‡i †`‡ki cÖPwjZ AvBb Abymv‡i †h mw¤§wjZ Kvievi MVb K‡i Zv‡K †hŠ_ g~jabx †Kv¤úvbx e‡j|
Bnv A`„k¨, A¯úkb©xq Ges AvB‡bi m„ó K…wÎg e¨w³ we‡kl| †hŠ_ g~jabx †Kv¤úvbx e¨w³i b¨vq wbR bv‡g cwiwPZ| D³ Kviev‡ii
cuywR‡K ¶y`ª As‡k wef³ K‡i wewfbœ e¨w³i g‡a¨ wewj Kiv nq| cuywRi GB ¶y`ª Ask †K †kqvi e‡j|
†hŠ_ g~jabx †Kv¤úvbxi †kªYxwefvM: ‡hŠ_ g~jabx †Kv¤úvbx cÖavbZ wb‡¤œv³ K‡qKwU fv‡M wef³ -
▪ mb`cÖvß †Kv¤úvbx (Chartered Company) t †h mg¯Í Kvievi cÖwZôvb ivRKxq †Nvlbvi Øviv cÖwZwôZ †m ¸wj‡K mb`cÖvß
†Kv¤úvbx e‡j| Bswjk ‡Kv¤úvbx AvBb cÖYq‡bi c~‡e© Bsj¨v‡Ûi †hŠ_ g~jabx Kvievi cÖwZôvb¸wji wbe܇bi Rb¨ ivRKxq mb`
e¨envi Kiv n‡Zv|
▪ mswewae× †Kv¤úvbx (Statutory Company) t †h mKj Kvievi AvBb cwil‡`i we‡kl AvBb Øviv ev ivóªcwZi Aa¨v‡`k e‡j
MwVZ Ges wbqwš¿Z †m¸‡jv‡K mswewae× †Kv¤úvbx ejv nq| Bnviv mvaviYZ Rjwe`¨yr, cwienb Ges †mevg~jK Kv‡h©i †¶‡Î MwVZ nq|
▪ wbeÜbK…Z †Kv¤úvbx (Registered Company) t †iwRóvW© ev wbeÜbK…Z †Kv¤úvbx ej‡Z 1913 mv‡ji †Kv¤úvbx AvB‡bi
Aax‡b wbewÜZ Kvievi cÖwZôvb‡K eySvq| cÖvB‡fU wjwg‡UW †Kv¤úvbx Ges cvewjK wjwg‡UW †Kv¤úvbx Bnvi AšÍfy©³|
▪ cÖvB‡fU wjwg‡UW †Kv¤úvbx t G RvZxq †Kv¤úvbxi m`m¨ msL¨v 02 n‡Z 50 R‡bi g‡a¨ mxgve×| ‡Kv¤úvbxi m`m¨Mb cÖ‡qvRbxq g~jab
mieivn K‡i| RbM‡bi g‡a¨ †kqvi weµq K‡i g~jab msMÖn Ki‡Z cv‡ibv| Giƒc †Kv¤úvbxi b~b¨Zg cwiPvjK msL¨v 02 Rb|
▪ cvewjK wjwg‡UW †Kv¤úvbx t GBiƒc †Kv¤úvbx msMV‡b Kgc‡¶ mvZRb m`‡m¨i cÖ‡qvRb nq| m`m¨ msL¨v †kqv‡ii msL¨v Øviv
mxgve×| Bnvi b~b¨Zg cwiPvjK msL¨v 03 Rb| g~jab msMÖ‡ni Rb¨ RbM‡bi gv‡S †kqvi weµq Ki‡Z cv‡i|
113. wjwg‡UW †Kv¤úvbxi `wjj cÎ
▪ Certificate of Incorporation: ‡iwRóªvi Ae R‡q›U óK †Kv¤úvbx‡Z wbe܇bi Rb¨ Av‡e`b Ki‡j wbeÜb A‡šÍ D³ `ßi
†h mvwU©wd‡KU cÖ`vb K‡i Zv‡K Certificate of Incorporation ev wbeÜbcÎ e‡j| wbeÜbcÎ cvIqvi ci cÖvB‡fU wjwg‡UW
†Kv¤úvbx e¨emv ïiæ Ki‡Z cv‡i|
▪ Certificate of Commencement: Kvhv©iv‡¤¢i AbygwZcÎ bv cvIqv ch©š— cvewjK wjwg‡UW †Kv¤úvbx Dnvi Kvh© Avi¤¢
Ki‡Z cv‡ibv| b~b¨Zg g~jab msMÖ‡ni ci †iwRóªvivi Ae R‡q›U óK †Kv¤úvbxi Kvh©vjq n‡Z Kvh©viv‡¤¢i AbygwZcÎ †`qv nq|
cÖvB‡fU wjwg‡UW †Kv¤úvbxi †¶‡Î Giƒc AbygwZc‡Îi cÖ‡qvRb nqbv|
▪ Memorandum of Association: GB `wj‡j g~jZt †Kv¤úvbxi bvg, wVKvbv, D‡Ïk¨, g~jab BZ¨vw`i weeiY _v‡K| Bnv‡Z
†Kv¤úvbxi wbe܇bi kZ©vejx D‡jøL _v‡K| Bnv †Kv¤úvbxi MVbZš¿|

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▪ Articles of Association: GB `wj‡j †Kv¤úvbxi Af¨šÍixb e¨e¯’vcbv I cwiPvjbvi wewa-Dcwewa D‡jøL _v‡K| Bnv‡Z
cwiPvjK‡`i I e¨e¯’vcK‡`i ¶gZv, KgP©vix‡`i ¶gZv, I †kqvi ‡nvìvi‡`i wewfbœ AwaKv‡ii D‡jøL _v‡K|
▪ Mandate: cÖwZôv‡bi wnmve †K ev Kviv cwiPvjbv Ki‡eb Zv‡`i ¯^v¶ihy³ wb‡`©kcÎ-B n‡”Q g¨v‡ÛU ev wb‡`©kbvgv|
1. What is Bank? (e¨vsK wK?)
Bank is a financial institution that collects deposits from public and various institutions and invests in
profitable sectors. (e¨vsK GKwU Avw_©K c«wZôvb hv RbMY I wewfbœ c«wZôv‡bi wbKU n‡Z AvgvbZ msM«n K‡i Ges jvfRbK
Lv‡Z wewb‡qvM K‡i|)

2. What is banking? (e¨vswKs wK?)

Banking is an activity of a Bank such as handles cash, credit, and other financial transactions. (e¨vs‡K
msMwVZ mKj ai‡Yi Kvh©µg h_v bM`, FY, Ges Ab¨vb¨ Avw_©K †jb‡`b BZ¨vw` cwiPvjbv Kiv‡K e¨vswKs ejv nq|)
3. Who is Banker? (e¨vsKvi †K?)
A Banker is a person who engaged in banking occupation, such as collection of deposits from surplus
fund from public and lend those deposit to other public. (e¨vsKvi Ggb GKRb e¨w³ whwb e¨vswKs †ckvi mv‡_ RwoZ,
†hgb miKvix Znwej †_‡K AvgvbZ msMÖn Ges Rbmvavi‡Yi Kv‡Q †mB AvgvbZ avh© Kiv|)
4. Who is Customer? (MÖvnK †K?)
A person who maintains an account with a Bank and transacts his/her account continuously is called
customer. Also, a person who deposited his/her money in Bank or borrow money from Bank is called
customer. (e¨vs‡Ki MÖvnK ejv n‡q Zv‡K, whwb †h‡Kv‡bv GKwU e¨vs‡Ki mv‡_ Zvi GKwU †h‡Kv‡bv ai‡Yi A¨vKvD›U †Lvjvi gva¨‡g
m¤cK© ¯’vcb K‡ib Ges Zvi A¨vKvD›UwU‡Z myweavgZ/wbqwgZ †jb‡`b K‡ib| GQvovI GKRb e¨w³ whwb Zvi UvKv e¨vs‡K Rgv †`b
ev e¨vsK †_‡K UvKv avi K‡ib Zv‡K MÖvnK ejv nq|)

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5. Bank Rate (e¨vsK nvi)

A Bank rate is the interest rate at which a nation's central Bank lends money to domestic Banks, often
in the form of very short-term loans. At present Bank rate of Bangladesh is 4%. (‡Kvb GKwU †`‡ki †K›`ªxq
e¨vsK †mB †`‡ki Ab¨vb¨ mKj e¨vsKmg~n‡K AwZe Aí †gqv‡` †hB nv‡i FY cÖ`vb K‡i _v‡K, †mB nvi‡K e¨vsK nvi e‡j| eZ©gv‡b
e¨vs‡Ki nvi 4%)

6. Bangladesh Bank-Central Bank (evsjv‡`k e¨vsK-‡K›`ªxq e¨vsK)

▪ Bangladesh Bank, the central Bank and apex regulatory body for the country's monetary and
financial system, was established in Dhaka as a body corporate vide the Bangladesh Bank Order,
1972 (P.O. No. 127 of 1972) with effect from 16th December, 1971. (‡`‡ki Avw_©K I A_©‰bwZK e¨e¯’vi
Rb¨ evsjv‡`k e¨vsK g~jZ †K›`ªxq e¨vsK Ges kxl© wbqš¿K ms¯’v wn‡m‡e KvR K‡i| ¯^vaxbZv AR©‡bi cieZ©x‡Z evsjv‡`k e¨vsK
MV‡bi cÖ‡qvRbxqZv Acwinvh© n‡q c‡o| 1972 mv‡j †cÖwm‡W›U AW©vi bs 127 Gi gva¨‡g evsjv‡`k e¨vsK MVb Kiv nq hv 16B
wW‡m¤^i, 1971 mvj †_‡K Kvh©Ki Kiv nq|)
▪ At present it has ten offices located at Motijheel, Sadarghat, Chittagong, Khulna, Bogra, Rajshahi,
Sylhet, Barisal, Rangpur and Mymensingh in Bangladesh; (eZ©gv‡b gwZwSj, m`iNvU, PÆMÖvg, Lyjbv, e¸ov,
ivRkvnx, wm‡jU, ewikvj, iscyi I gqgbwms‡n evsjv‡`k e¨vsK Gi `kwU Awdm i‡q‡Q|)
Functions of Bangladesh Bank/Central Bank (evsjv‡`k e¨vsK/‡K›`ªxq e¨vsK Gi Kvh©vejx)
i. Formulation and implementation of Monetary Policy (gy`ªvbxwZ cÖYqb I ev¯Zevqb)
ii. Issue of Notes and Coins (‡bvU Ges K‡qb Bm¨y)
iii. Acting as Banker to the government (miKv‡ii e¨vsK wnmv‡e KvR K‡i)
iv. Regulation and supervision of the payment system (‡c‡g›U wm‡÷‡gi wbqš¿Y I ZË¡veavb K‡i)
v. Lender of the last resort (FY Gi †kl Avkªq¯’j)
vi. Reservoir of Foreign Currency (‰e‡`wkK gy`ªvi wiRvf©vi wn‡m‡e KvR K‡i)
vii. Clearing House (wbKvk Ni wn‡m‡e KvR K‡i)
viii. Credit Control (FY wbqš¿Y K‡i)
ix. Currency Market control (gy`ªvevRvi wbqš¿Y K‡i)
x. Stabilize exchange rate (wewbgq nvi w¯’wZkxj iv‡L)
xi. Regulation and supervision of Banks and non-Bank financial institutions (e¨vsK Ges bb e¨vsK Avw_©K
cÖwZôvb mg~n‡K wbqš¿Y I ZË¡veavb K‡i)
xii. Money laundering prevention (gvwb jÛvwis cÖwZ‡iva K‡i)

General Banking (‡Rbv‡ij e¨vswKs)

1. What is general Banking? (‡Rbv‡ij e¨vswKs wK?)
▪ General Banking Department is considered as the direct customer service center. (‡Rbv‡ij e¨vswKs
wefvM‡K mivmwi MÖvnK †mev †K›`ª wnmv‡e we‡ePbv Kiv nq|)
▪ It opens new accounts, remits funds, honor cheques, takes deposits, pay order, bills issues bank
draft, customer services, locker facilities and other ancillary services of the bank. (GwU bZzb A¨vKvD›U
†Lv‡j, Znwej cvVvq, Rgv †bq, †PK cvm K‡i, AvgvbZ †bq, †c-AW©vi, wej, e¨vsK WªvdUm, MÖvnK †mev, jKvi myweav Ges
e¨vs‡Ki Ab¨vb¨ mnvqK cwi‡mev¸wj w`‡q _v‡K|)
▪ General Banking is also known as retail banking. (†Rbv‡ij e¨vswKs wi‡Uj e¨vswKs bv‡gI cwiwPZ)

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▪ Following are the major general banking terms: wb‡P †Rbv‡ij e¨vswKs Gi K‡qKwU cÖavb Kv‡Ri bvg †`qv n‡jvt
▪ Account opening section (A¨vKvD›U †Lvjvi wefvM)
▪ Clearing section (wK¬qvwis wefvM)
▪ Cash section (bM` wefvM)
▪ Remittance (†iwg‡UÝ)
2. Account Opening (A¨vKvD›U †Lvjv)
Account Opening is the gateway to a bank. The relationship between a banker and his customer begins
with the opening of an account. (A¨vKvD›U I‡cwbs GKwU e¨vs‡Ki †MUI‡q wn‡m‡e KvR K‡i| e¨vsKvi Ges Zvi MÖvn‡Ki
g‡a¨ m¤cK,© GKwU A¨vKvD›U †Lvjvi gva¨‡gB ïiy nq)
Kviv A¨vKvD›U Lyj‡Z cvi‡ebv? = cvMj/†`Dwjqv e¨w³/gvZvj/ Ab¨ †Kvb e¨w³ ev msMVb hviv AvBb Øviv mxwgZ|
3. Types of Accounts and documentation (A¨vKvD‡›Ui aib Ges cÖ‡qvRbxq WKz‡g‡›Ukb)
▪ Savings Account (mÂqx wnmve)
▪ Current Account (PjwZ wnmve)
▪ Short Notice Deposit (SND) (msw¶ß †bvwUk wW‡cvwRU (GmGbwW))
▪ Fixed Deposit Receipt (FDR) (wd·W wW‡cvwRU iwm` (GdwWAvi))
▪ Others Scheme Deposit Account (Ab¨vb¨ w¯‹g AvgvbZ wnmve)
4. Savings Account (mÂqx wnmve)
▪ A savings account is a deposit account that pays interest (GKwU mÂq A¨vKvD›U n‡”Q GKwU AvgvbZ
A¨vKvD›U hv my` cÖ`vb K‡i|)
▪ Customer can save money or withdraw money whenever they want. (MÖvnK hLb Lywk ZLb UvKv mÂq
Ki‡Z cv‡i A_ev DVv‡Z cv‡i|)
▪ Banks impose certain restrictions on the number and number of withdrawals from a savings
account which varies from bank to bank. (e¨vsK¸‡jv GKwU mÂq A¨vKvD›U †_‡K UvKv cÖZ¨vnv‡ii msL¨v Ges
cwigv‡Yi Dci K‡qKwU wbw`©ó wewawb‡la Av‡ivc K‡i, G‡KK e¨vsK G G‡KK iKg|)
▪ For 05 (Five) Lac and above transactions are need a “positive pay” instruction (05 (cvuP) j¶ Ges
Gi Dc‡i †jb‡`‡bi Rb¨ GKwU "cwRwUf †c" wb‡`©kvejx cÖ‡qvRb)
▪ Customer can save a portion of their income to meet their future needs. (MÖvnK Zv‡`i fwel¨‡Zi
Pvwn`v †gUv‡bvi Rb¨ Zv‡`i Av‡qi GKwU Ask msi¶Y K‡i _v‡K|)
▪ A savings account may be formed as Single/Join (GKwU mÂq A¨vKvD›U GKK/†hŠ_ wnmv‡e MwVZ n‡Z cv‡i)
Types of Savings Account:
1. Savings General Account: mvavib MÖvnK/Av‡e`bKvixi Rb¨
2. Savings Staff Account: e¨vs‡Ki Kg©KZ©v/ Kg©Pvixi Rb¨
3. School Banking Account: ¯‹zj e¨vswKs wnmve (wb‡P we¯ÍvwiZ Av‡jvPbv Kiv n‡jv)
5. School Banking Account (¯‹zj e¨vswKs wnmve)
School banking account operated by student age from 6 years to below 18 years can open school
banking account. (6-18 eQ‡ii wb‡P eqmx wk¶v_©xiv ¯‹zj e¨vswKs A¨vKvD›U Lyj‡Z cvi‡e)

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6. Current Account (PjwZ wnmve)

▪ A current account is a running and active account, which may be operated upon any number of
times during a working day. (PjwZ wnmve GKwU Pjgvb I mwµq A¨vKvD›U, hv †Kvb Kvh©w`e‡mi †h‡Kvb mg‡q
cwiPvwjZ)
▪ No restrictions on the number and number of withdrawals (UvKv †jb‡`b Gi †¶‡Î †Kvb wewawb‡la †bB)
▪ This is demand deposit (GwU Pvwn`v AvgvbZ)
▪ It’s a non-interest-bearing account (GwU GKwU my` wewnb A¨vKvD›U)
▪ For 01 (one) Lac and above transactions are need a “positive pay” instruction (01 (GK) j¶ Ges
Gi Dc‡i †jb‡`‡bi Rb¨ GKwU "cwRwUf †c" wb‡`©kvejx cÖ‡qvRb)
▪ Customer can deposit money or withdraw money whenever they want. (MÖvnK hLb Lywk ZLb UvKv
Rgv Ki‡Z cv‡i A_ev DVv‡Z cv‡i|)
▪ A current account may be opened as personal name/under proprietorship form/Partnership
concern/Limited company (Private/Public)/NGO/Govt Company/Semi Govt Company etc.
(GKwU PjwZ wnmve e¨w³MZ bvg / gvwjKvbv dvg© / Askx`vwi / wjwg‡UW †Kv¤cvwb (‡emiKvwi/cvewjK) / GbwRI /
miKvwi ms¯’v / Avav miKvix ms¯’v BZ¨vw` wnmv‡e †Lvjv †h‡Z cv‡i|)
7. Short Notice Deposit (SND Account) (msw¶ß †bvwUk wW‡cvwRU (GmGbwW wnmve))
Short Notice Deposit (SND) Account is an interest-bearing deposit account where advance notice is
required for withdrawal. However, 7(Seven) days of notice is required if the customer wishes to
withdraw money from this account. (msw¶ß †bvwUk wW‡cvwRU (GmGbwW) A¨vKvD›U GKwU my`xK…Z AvgvbZ A¨vKvD›U
†hLv‡b A_© D‡Ëvj‡bi Rb¨ AvMvg †bvwUk w`‡Z nq| MÖvnK GB A¨vKvD›U †_‡K A_© D‡Ëvj‡bi 7(mvZ) w`b Av‡M †bvwUk w`‡Z n‡e|)
Features (ˆewkó¨):
▪ Bank pays attractive interest. (e¨vsK AvKl©Yxq my` cÖ`vb K‡i)
▪ Nominal service charge. (bvggvÎ mvwf©m PvR©)
▪ Interest is payable on half yearly basis. (my` Aa©e‡l©i wfwˇZ cÖ‡`q)
8. Fixed Deposit Receipt (FDR) (wd·W wW‡cvwRU iwm` (GdwWAvi))
Fixed Deposit Receipt (FDR) offers the opportunity to invest a fixed amount for a fixed period at a
fixed rate of interest to ensure the maximum return against the money of customers. The tenor of FDR
generally is for 01, 03, 06, 12 months. (wd·W wW‡cvwRU iwm` (GdwWAvi) MÖvnK‡`i GKwU wbw`©ó cwigvY A‡_©i
wewb‡qv‡Mi wewbg‡q wbw`©ó nv‡i wbw`©ó mg‡qi Rb¨ me©vwaK gybvdv cÖ`vb K‡i _v‡K| mvaviYZ 01, 03, 06, 12 gvm †gqv‡`i Rb¨
GdwWAvi Kiv n‡q _v‡K)
9. Others Scheme Deposit Account (Ab¨vb¨ w¯‹g AvgvbZ wnmve)
▪ MSS/DPS: Monthly Savings Scheme
▪ Double/Triple Benefit Scheme
▪ Monthly Benefit Scheme
▪ Kotipoti Scheme
▪ Millionaire Scheme
▪ Target Deposit Scheme
▪ Mudaraba Term Deposit Scheme (Shariah Based Islami)
Note: Deposit Schemes names or criteria varies from bank to bank

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10. Other Types of Accounts (Ab¨vb¨ A¨vKvD›Um)

a. Escrow Account: An escrow account is a temporary gateway through the account held by a third
party during the process of a transaction between two parties. The funds will be disbursed to the
merchant after they have fulfilled the escrow agreement. (GKwU Gm‡µv A¨vKvD›U `yB c‡¶i g‡a¨ †jb‡`‡bi
cÖwµqvi mgq †Lvjv GKwU Z…Zxq A¨vKvD›U| Gm‡µv Pzw³wU m¤cbœ nIqvi c‡iB e¨emvqx Zvi UvKv ey‡S cv‡e|)
D`vniY¯^iƒct wi‡qj G‡÷U A_ev †W‡fjcvi †Kv¤cvwb hLb Zv‡`i MÖvnK‡K †Kvb d¬¨vU weµq K‡i, ZLb MÖvnK hZ¶Y bv
†Kv¤cvwb Zv‡K mKj ai‡Yi `wjj eywS‡q bv w`‡e A_ev d¬¨vU hw` AvÛvi KÝUªvKkb Ae¯’vq _v‡K, ZZ¶b MÖvnK d¬¨vU Gi UvKv
"Gm‡µv" A¨vKvD›U G ivL‡e| Avevi GKBfv‡e †W‡fjcvi, Zvi †cÖv‡R± hZw`b †kl bv n‡e,ZZw`b "Gm‡µv" A¨vKvD›U
e¨envi Ki‡e|
b. Joint Venture Account: A joint venture account is formed by two or more existing business
organization in order to achieve some business goals. (wKQz e¨emvwqK j¶¨ AR©‡bi Rb¨ `yB ev Zvi AwaK
e¨emvwqK cÖwZôvb Øviv MwVZ A¨vKvD›U†K "R‡q›U †fÂvi" A¨vKvD›U e‡j)
c. Minor Account: A person in our country before attaining the age of 18 is treated as minor and an
account opened by that person is called “Minor Account”. (18 eQi eq‡mi Av‡M Avgv‡`i †`‡k GKRb
e¨w³‡K "gvBbi" wnmv‡e we‡ePbv Kiv nq Ges †mB e¨w³ Øviv †Lvjv A¨vKvD›U‡K "gvBbi A¨vKvD›U" ejv nq)
d. Mandate Account: Mandate account is such an account where a written order to a bank to allow
someone to sign cheques on behalf of the account holder and giving specimen signatures and
relevant information. Mandate account holder is called “Mandatee” of the original account holder.
(g¨v‡ÛU A¨vKvD›U Ggb GKwU A¨vKvD›U, †hLv‡b g~j A¨vKvD›Uavix Zvi A¨vKvD›U Gi c¶ †_‡K Zvi Aby‡gvw`Z KvD‡K †PK
mvBb Ki‡Z, bgybv ¯^v¶i Ges cÖvmw½K Z_¨ †`Iqvi Rb¨ e¨vsK‡K wjwLZ Av‡`k †`q| g¨v‡ÛU A¨vKvD›Uavix‡K g~j
A¨vKvD›Uavixi "g¨v‡ÛwU" ejv nq|)
e. Deceased Account: When bank receive a notice, about the death of their particular customer, it
freezes that account immediately, while waiting for the direction from the authorized court
regarding payment to heirs or nominees. Then the customer is announced as deceased customer and
the account is announced as deceased account. (hLb e¨vsK Zv‡`i wbw`©ó MÖvn‡Ki g„Z¨yi wel‡q †bvwUk cvq, ZLb
Zviv †mB A¨vKvD›UwU Awej‡¤^ ¯’wMZ K‡i Ges DËivwaKvix bvwK bwgbx‡K †c‡g›U †`qv n‡e †mB wel‡q gnvgvb¨ Av`vj‡Zi
Av‡`‡ki A‡c¶vq _v‡K| Zvici †mB MÖvnK‡K g„Z MÖvnK Ges A¨vKvD›UwU‡K g„Z A¨vKvD›U †NvlYv Kiv nq|)
f. RFCD Account: Resident Foreign Currency Deposit Account.
g. Dormant Account (wbw®Œq A¨vKvD›U): Generally, when a bank account has no transaction for a long
period of time then the said account kept in different status called as “Dormant”. (mvaviYZ hLb GKwU
e¨vsK A¨vKvD‡›U `xN© mg‡qi Rb¨ †Kvb †jb‡`b nq bv ZLb †mB A¨vKvD›UwU‡K "wbw®Œq" A¨vKvD›U ejv nq|)
▪ For Current account: Dormant if no activity for 06-12 months (Varies from bank to bank)
▪ For Savings account: Dormant if no activity for 01-3 years (Varies from bank to bank)
▪ Banker must inform the customer through a request letter mentioning the status of the account
to regularize the same by depositing or withdrawing fund from the respective account. (MÖvnK‡K
Zvi "wbw¯Œq" A¨vKvD‡›U A_© Rgv ev D‡Ëvjb Kivi Rb¨ Aby‡ivam~PK wPwVi gva¨‡g Aek¨B Rvbv‡Z n‡e|)
▪ To activate the dormant account the customer must provide a written request addressed to the
branch manager to make the account as regular for transaction. (wbw®Œq A¨vKvD›UwU mwµq K‡i wbqwgZ
†jb‡`‡bi Rb¨ MÖvnK‡K Aek¨B kvLv e¨e¯’vc‡Ki Kv‡Q wjwLZ Aby‡iva cÖ`vb Ki‡Z n‡e|)
▪ One can deposit money in dormant account. (wbw®Œq A¨vKvD›UwU†Z UvKv Rgv †`qv hv‡e)

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11. Deposit and types of Deposits (AvgvbZ Ges Avgvb‡Zi aib)

▪ A deposit account is a savings account, current account or any other type of bank account that
allows money to be deposited and withdrawn by the account holder. (AvgvbZ A¨vKvD›U GK ai‡Yi mÂqx
A¨vKvD›U, PjwZ A¨vKvD›U ev Ab¨ †KvbI ai‡bi e¨vsK A¨vKvD›U, hv A¨vKvD›U G A_© Rgv w`‡Z Ges A¨vKvD›U †_‡K A_©
D‡Ëvj‡bi AbygwZ †`q|)
▪ Deposit accounts fall into two major categories: demand deposits and time deposits. With demand
deposit accounts, you can withdraw money at any time without gaining permission from the bank.
(AvgvbZ A¨vKvD›U cÖavbZ `yB fv‡M wef³: wWgvÛ wW‡cvwRU Ges UvBg wW‡cvwRU| wWgvÛ wW‡cvwRU A¨vKvD‡›Ui gva¨‡g Avcwb
†h‡Kvb mgq e¨vsK †_‡K AbygwZ QvovB A_© D‡Ëvjb Ki‡Z cv‡ib|)
▪ On the other hand, in time deposit accounts, you can deposit any amount for a certain period of
time. (Ab¨w`‡K, UvBg wW‡cvwRU A¨vKvD‡›U Avcwb GKwU wbw`©ó mg‡qi Rb¨ †h‡Kvb cwigvY A_© Rgv w`‡Z cv‡ib|)
Types of Deposits:
▪ No-Cost Deposit: Interest is not charged in “No cost deposit” account. For bank it is the most
profitable account. Example: Current Account, Pay Order, Demand Draft, LC Margin ("‡bv †Kv÷
wW‡cvwRU" A¨vKvD‡›U †Kvb ai‡Yi my` PvR© Kiv nq bv| e¨vs‡Ki Rb¨ GwU me‡P‡q jvfRbK A¨vKvD›U| D`vniY: PjwZ
A¨vKvD›U, †c AW©vi, wWgvÛ WªvdU, Gjwm gvwR©b|)
▪ Low-Cost Deposit: Minimum interest is charged in “Low-cost Deposit” account. Example:
Savings Account, Short Notice Deposit Account. ("‡jv †Kv÷ wW‡cvwRU" A¨vKvD‡›U b¨~bZg my` PvR© Kiv nq|
D`vniY: mÂqx A¨vKvD›U, msw¶ß †bvwUk Rgv A¨vKvD›U|)
▪ High-Cost Deposit: Maximum interest is charged in “High-cost Deposit” account. Example: FDR,
DPS, Double Benefit, Monthly Benefit schemes etc. ("nvB †Kv÷ wW‡cvwRU" A¨vKvD‡›U m†e©v”P my` PvR© Kiv
nq| D`vniYt GdwWAvi, wWwcGm, Wvej †ewbwdU, gvwmK †ewbwdU w¯‹g BZ¨vw`|)
12. BACH, BACPS, BEFTN, RTGS
BACH: “Bangladesh Automated Clearing House” the first ever electronic clearing house of
Bangladesh. ("evsjv‡`k A‡Uv‡g‡UW wK¬qvwis nvDm" evsjv‡`‡ki cÖ_g B‡jKUªwbK wK¬qvwis nvDm)

It has two components:

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i. BACPS
▪ Bangladesh Automated Cheque Processing Systems (BACPS) has started its 'Live Operation'
on 7th October 2010 in the Dhaka Clearing House area. (evsjv‡`k A‡Uv‡g‡UW †PK cÖ‡mwms wm‡÷g
(weGwmwcGm) 7B A‡±vei, 2010 'jvBf Acv‡ikb' ïiæ K‡i|)
▪ BACPS uses the Cheque Imaging and Truncation (CIT) technology for electronic presentment
and payment of paper instruments (i.e. cheque, pay order, dividend & refund warrants, etc).
(B‡jKUªwbK Dc¯’vcbv Ges †ccvi BÝUªy‡gšU (‡hgb †PK, †c AW©vi, jf¨vsk BZ¨vw`) A_© cÖ`v‡bi Rb¨ weGwmwcGm †PK
B‡gwRs Ges Uªvb‡Kkb (wmAvBwU) cÖhyw³ e¨envi K‡i _v‡K|

ii. BEFTN
▪ Bangladesh Electronic Fund Transfer Network, incepted in February 2011, was country's first
paperless electronic inter-bank funds transfer system. (evsjv‡`k B‡jKUªwbK dvÛ UªvÝdvi †bUIqvK© 2011
mv‡ji †deyªqvwi‡Z M„nxZ †`‡ki cÖ_g KvMRwenxb AvšÍte¨vsK dvÛ ¯’vbvšÍi e¨e¯’v)
▪ It facilitates both credit and debit transactions, as a lead over cheque clearing system. (†PK wK¬qvwis
wm‡÷‡gi Dci fi K‡i, GwU †µwWU Ges †WweU Dfq †jb‡`b myweav †`q)
▪ This network can handle credit transfers such as payroll, foreign and domestic remittances,
company dividends, bill payments, corporate payments, government tax payments and person
to person payments. (GB †bUIqvK© wm‡÷g †µwWU UªvÝdvi¸‡jv (‡hgb †c-‡ivj, we‡`kx Ges †jvKvj †iwg‡UÝ,
†Kv¤cvwbi jf¨vsk, wej †c‡g›U, K‡c©v‡iU, miKvix U¨v· †c‡g›U Ges e¨w³ A_© cÖ`vb) BZ¨vw` cwiPvjbv Ki‡Z cv‡i|)
▪ At the same way it accommodates debit transactions like utility bill payments, insurance
premium payments, Club/Association payments, EMI payment etc. Most of Govt. salary, social
benefits, all social safety net payments and other government payments are processed through
BEFTN. (GKBfv‡e †WweU †jb‡`‡bi mgš^q mvab K‡i (‡hgbt GwU BDwUwjwU wej †c‡g›U, exgv wcÖwgqvg †c‡g›U,
K¬ve/A¨v‡mvwm‡qkb †c‡g›U, BGgAvB †c‡g›U †WweU, miKvwi †eZb, mvgvwRK myweav, mvgvwRK wbivcËv †bU †c‡g›U Ges
Ab¨vb¨ miKvix †c‡g›U) cÖf…wZ BEFTN Gi gva¨‡g cÖwµqvK…Z nq)
▪ No charge is realized for EFTN. It’s a charge free service. (EFTN GKwU wd« mvwf©m, Gi Rb¨ †Kvb
ai‡Yi PvR© †`qv jv‡Mbv|)

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13. RTGS
▪ Real Time Gross Settlement System (RTGS) (wi‡qj UvBg MÖm †m‡Uj‡g›U (AviwUwRGm) wm‡÷g)
▪ To facilitate real time settlement of high value payments, BB introduced “Bangladesh Real
Time Gross Settlement (BD-RTGS)” system during October 2015. (nvB f¨vjy †c‡g›U ev¯Íe mg‡q
wb®cwËi myweav‡_©, wewe A‡±vei 2015 †Z "evsjv‡`k wi‡qj UvBg MÖm †m‡Uj‡g›U (wewW-AviwUwRGm)" wm‡÷g Pvjy K‡i)
▪ It opened a new dimension for the banks and for the corporate to settle their payments instantly.
At the same time individual customers are also availing this service for settling their large value
transactions. (GwU e¨vsK¸wji Ges K‡c©v‡iU‡`i Rb¨ GKwU bZzb gvÎv †hvM K‡i‡Q hv‡Z Zviv Zvr¶wYKfv‡e Zv‡`i
A_© †jb‡`b wb®cwË Ki‡Z cv‡i| GKB mv‡_ mvaviY MÖvnKivI Zv‡`i e„nr As‡Ki †jb‡`‡bi Rb¨I GB cwi‡levwU Dc‡fvM
Ki‡Qb)
▪ Out of 11,000 scheduled bank branches 7,000 are connected till June 2018 with BD-RTGS
system and the number is increasing gradually. (11,000 Zdwmwj e¨vsK kvLv¸wji g‡a¨ 7,000wU kvLv MZ
Ryb 2018 ch©šÍ wewW-AviwUwRGm wm‡÷‡gi mv‡_ mshy³ n‡q‡Q Ges Gi msL¨v µgk evo‡Q|)
▪ Tk. 100 is charged for any amount of RTGS service. (RTGS Gi †h‡Kv‡bv cwigvb (UvKv) mvwf©‡mi Rb¨
100 UvKv PvR© w`‡Z nq|)

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Banking Short Abbreviations

1. ACFID = Agricultural Credit & Financial Inclusion Dept.
2. AD = Authorized Dealer
3. BARD = Bangladesh Academy for Rural Development.
4. CAMELS = Capital Adequacy, Asset Quality, Management, Earnings, Liquidity and
Sensitivity to Market Risk.
5. CCI & E = Chief Controller of Import & Export
6. CRG = Credit Risk Grading.
7. CRM = Credit Risk Management
8. CS = Cadastral Survey.
9. CUMED = Credit for Urban Women Micro Enterprise Development
10. DCR = Duplicate Carbon Receipt.
11. EDF = Export Development Fund
12. ERC = Export Registration Certificate.
13. ERM = Environmental Risk Management.
14. IDCP = Interest during Construction Period.
15. IRC = Import Registration Certificate.
16. LAPF = Loan Against Provident Fund
17. LDR = Loan Deposit Ratio
18. LIM = Loan against Imported Merchandize.
19. LTR = Loan against Trust Receipt.
20. NEC = Non-Encumbrance Certificate.
21. NOC = No Objection Certificate
22. PAD = Payment Against Document
23. PC = Packing Credit
24. POS = Point of Sales
25. PRSP = Poverty Reduction Strategy
26. PSC = Pre-Shipment Credit
27. RBCA = Risk Based Capital Adequacy.
28. RMS = Remittance Management System.
29. SACP = Special Agricultural Credit Program.
30. SECI = Sonali Exchange Company Incorporated.
31. SME = Small and Medium Enterprise
32. SWIFT =Society for Worldwide Interbank Financial Telecommunication
33. TNW = Tangible Net Worth.
34. UCPDC = Uniform Customs & Practice for Documentary Credits
35. URC = Uniform Rules for Collection.
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36. URR = Uniform Rules for Reimbursement.

37. FBPN = Foreign Bill Purchase and Negotiation
38. LIB = Loan against Inland Bill.
39. TOD = Temporary Overdraft
40. UPASLC = Usance Payable At sight LC.
41. PBM = Participating Bank Module
42. CPS = Cheque Processing Software
43. FTP = File Transfer Protocol
44. CAD = Cash Against Documents
45. FOB = Free on Board
46. CFR = Cost and Freight
47. CIF = Cost, Insurance and freight.
48. LCAF = Letter of Credit Authorization form.
49. BTB LC= Back to Bark Letter of Credit
50. LIBOR = London Inter-Bank Offer Rate
51. ISBP = International Standard Banking Practice
52. ISP = International Standby Practices
53. URDG = Uniform Rules for Demand Guarantees.
54. BMRE= Balancing, Modernization, Rehabilitation & Expansion
55. IPFA = International Project Finance Association
56. PCR = Project Completion Report
57. AML = Anti Money Laundering
58. ATM = Automated Teller Machine
59. BAFIA = Bank And Financial Institution Act
60. CAR = Capital Adequacy Ratio
61. CASA = Current And Saving Account
62. CBS = Core Banking Solutions
63. CCD = Credit to Core Capital and Deposit
64. CDS = Central Depository System
65. CIB = Credit Information Bureau
66. CIT = Citizen Investment Trust
67. CMD = Currency Management Department
68. CRM = Credit Risk Mitigation
69. CRR = Cash Reserve Ratio
70. SLR = Statutory liquidity ratio
71. DCGF = Deposit and Credit Guarantee Fund
72. ECC = Electronic Cheque Clearing
73. EFT = Electronic Fund Transfer
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74. FEMD = Foreign Exchange Management Department

75. EPS = Employees Provident Fund
76. PDMD = Public Debt Management System
77. POS = Point of Sales
78. POT = Point of Transaction
79. RWA = Risk-Weighted Assets
80. TB = Treasury Bill
81. ADR = Advance Deposit Ratio
82. IDR = Investment Deposit Ratio
83. NOP = Net Open Position
84. ACU = Asian Clearing Union
85. ACU = Asian Clearing Union
86. ADB = Asian Development Bank
87. ADP = Annual Development Program
88. ALM = Asset-Liability Management
89. APA = Annual Performance Agreement
90. SND = Short Notice Deposits
91. BACH = Bangladesh Automated Clearing House
92. BAPARD = Bangabandhu Academy for Poverty Alleviation and Rural Development
93. BADC = Bangladesh Agricultural Development Corporation
94. BAERA=Bangladesh Atomic Energy Regulatory Authority
95. BB = Bangladesh Bank
96. BCBS=Basel Committee on Banking Supervision
97. BCCRF=Bangladesh Climate Change Resilience Fund
98. BCCSAP= Bangladesh Climate Change Strategy and Action Plan
99. BCCTF = Bangladesh Climate Change Trust Fund
100. BFIU = Bangladesh Financial Intelligence Unit
101. BGMEA=Bangladesh Garments Manufactures and Exporters Association
102. BIDA=Bangladesh Investment Development Authority
103. BoP = Balance of Payments
104. BSCIC=Bangladesh Small and Cottage Industries Corporation
105. BSEC=Bangladesh Securities and Exchange Commission
106. CAAB=Civil Aviation Authority of Bangladesh
107. CAB=Current Account Balance
108. CCCP = Community Climate Change Program
109. CFT = Combating Financing of Terrorism
110. CIF = Climate Investment Fund
111. CMSMEs = Cottage, Micro, Small and Medium Enterprises

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112. CRAR = Capital to Risk Weighted Asset Ration

113. DFQF = Duty Free and Quota Free
114. DMF = Disaster Management Fund
115. DMTCL=Dhaka Mass Transit Company Limited
116. EDCF = Economic Development Cooperation Fund
117. e-GP = Electronic Government Procurement
118. EIF = Enhanced Integrated Framework
119. EPB = Export Promotion Bureau
120. ERP = Enterprise Resources Planning
121. FATF = Financial Action Task Force
122. FC = Foreign Currency
123. FCBs = Foreign Commercial Banks
124. FDI = Foreign Direct Investment
125. FSPDSME = Financial Sector Project for the Development of SME
126. GCNEP = Global Center for Nuclear Energy Partnership
127. GDP = Gross Domestic Product
128. GeoUPAC = Geo-Information for Urban Planning and Adaptation to Climate Change
129. GI = Geographical Indications
130. GIS = Geographical Information System
131. GNI = Gross National Income
132. HDI = Human Development Index
133. CDBL = Central Depository of Bangladesh
134. IBRD = International Bank for Reconstruction and Development
135. ICAAP =Internal Capital Adequacy Assessment Process
136. ICAO=International Civil Aviation Organization
137. ICB = Investment Corporation of Bangladesh
138. ICC = Internal Control and Compliance
139. IFC = International Finance Corporation
140. ILO = International Labour Organisation
141. IMF = International Monetary Fund
142. IMSO=International Mobile Satellite organization
143. IPO = Initial Public Offering
144. ISPS=International Ship and Port Facility Security
145. ITLOS = International Tribunal for the Law of the Seas
146. ITS = Intelligent Traffic System
147. KYC = Know Your Customer
148. LDC = Least Developed Countries
149. LCR = Liquidity Coverage Ratio

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Banking Important Terms SURE MCQ

150. MoU = Memorandum of Understanding

151. MRA = Microcredit Regulatory Authority
152. NBDCs=Non-Bank Depository Corporations
153. NBFIs = Non-bank Financial Institutions
154. PPP = Public Private Partnership
155. RTGS = Real Time Gross Settlement
156. SAARC=South Asian Association for Regional Cooperation
157. SAFTA = South Asian Free Trade Area
158. SARS = Severe Acute Respiratory Syndrome
159. SCF = Strategic Climate Funds
160. SOCBs = State Owned Commercial Banks
161. STOL = Short Take-Off and Landing
162. TCB = Trading Corporation of Bangladesh
163. UNCCC = United Nations Climate Change Conference
164. UNCTAD = United Nations Conference on Trade and Development
165. UNDP = United Nations Development Program
166. UNEP = United Nations Environment Program
167. UN-ESCAP = United Nations Economic and Social Commission for Asia and the Pacific
168. UNFCCC=United Nations Framework Convention on Climate Change
169. UNODC = United Nations Office on Drugs and Crime
170. VAT = Value Added Tax

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