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ne\dy; btnyhg;kd;l; Ngq;f; PLC Kf;fpa epfo;Tldhd Mtzq;fs;
tq ;f pa pd ; r py ;yiw nfhLf ;fy ; thq ;fy ;fs ;
gz cjtp trjpfs;
jdpg;gl;l fld;fs;
tPl;L fld;fs;
tpyf;F toq;F tpahghuk;
jq;feif mlF gpbj;jy;
thfd jtiz epjp
#upatY njhFjp fld;fs;
tPl;Lfld; nkf;];
tPl;Lfld; nkf;]; - fdTf; fld;
tPl;Lfld; nkf;]; - kpif gw;W
Kf;fpa tpla Mtzk; -gz cjtp trjpfs; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp cau;T
cs;slq;fshf epjp kw;Wk; Vida gad;fs;
fl;lzk; / mwtPL> juFf;$yp kw;Wk; tl;b
cw;gj;jp / Nritfis ngw;Wf;nfhs;tjw;F
gpd;gw;wNtz;ba eilKiw
Kf;fpa tpjpfs; kw;Wk; epge;jidfs;
NDB gz cjtp trjpfs;
Mff;Fiwthd Mtzq;fSld; fUkg;gPlk; Clhf gzj;ij ngw;Wf;nfhs;sf;$baik.
tq;fpAldhd Kd;ida fzf;F njhlu;Gfs; Njitg;glhJ.
gapw;rp ngw;w fpis Copau;fspD}lhf jdpg;gl;l Nrit
kpif gw;W kw;Wk; fld;fSf;F trjp toq;Fk; Kfkhf 90% &gh itg;gPLk; 85 % ntspehl;L ehza itg;gPLk; toq;fyhk;. kpifg;gw;W kw;Wk; fld;fSf;F (ntspehl;L ehza itg;gPLf;F jw;NghJ tq;fpapd; eilKiwapYs;s nfhs;iff;Fl;gl;lJ)
fld; gj;jpuj;Jf;F 90% tPjKk; tq;fp cj;juthjj;jpw;F 100% tPjKkhf.
epue;ju itg;gPL kw;Wk; Nrkpg;G itg;gPL kPjhd itg;gPL njhlu;G fl;lzk;
kw;iwa gz gj;jpuq;fs; kw;;Wk; ntspehl;L ehzak; njhlu;ghf mwpe;Jnfhs;s jaTnra;J tq;fp ,izaj;jsj;ij mZfTk;.
Kd;dwptpj;jypd;wp tq;fpia tpUg;gj;Jld; khw;wpf;nfhs;tjd; mbg;gilapy; &gh 1500 nray;Kiw fl;lzkhf mwtplg;gLk;
Kd;dwptpj;jypd;wp tq;fpia tpUg;gj;Jld; GJg;gpj;Jnfhs;tjpd;; mbg;gilapy; &gh 750 nray;Kiwfl;lzkhf mwtplg;gLk;.
KOikahf G+u;j;jp nra;g;gl;L ifnahg;;gkplg;gl;l tpz;zg;gg;gbtk;.
rhl;rpAld; KOikahf rupnad ep&gpf;fg;gl;l tpjpfs; kw;Wk; epge;jidapd;; mbg;gilapy; ifnahg;gkply;
fld; gj;jpuj;ij G+uzg;gLj;jp ifnahg;gkplg;gl;Ls;sJ.
%d;whk; gpuptpduhy; fld; gj;jpuj;ij G+uzg;gLj;jp ifnahg;gkplg;gl;Ls;sJ. (Njit Vw;gbd;)
nry;YgbahFk; Njrpa milahs ml;ilapd; gpujp toq;fg;glNtz;Lk;. Njrpa milahs ml;il ,y;yhtplj;J (Njrpa milahs ml;il ,yf;fj;ijnfhz;l) rhujp mDkjp gj;jpuk; / my;yJ flTr;rPl;il rku;g;gpf;fyhk;.
18 taJilatuhfTk; ,yq;ifapy; tjptplj;ij nfhz;ltuhf ,Uj;jy;Ntz;Lk;. rhj;jpaf;$W
tq;fpapy;; itg;gPL cila thbf;ifahsuhf ,Uj;jy;Ntz;Lk;.
Mff;Fiwe;j trjpj;njhif 50f; ,Ug;gJld; Mff;$baJ itg;gPl;L njhifapd; ngWkjpia nghUj;jJ.
Mff;$ba kPs;nrYj;Jk; fhyk; 7 tUlkhFk;.
tq;fpapd; jdpg;gll tpUg;gj;jpd; Ngupy; ,r;rYiffs; fpilf;ff;$bajhf ,Ug;gJld; ,J Njitahd rfy Mtzq;fSk; KOikahf G+u;j;jp nra;J rku;g;gpj;jYf;F cl;gl;lJ.
Kf;fpa tpla Mtzk; -jdpg;gl;l fld;fs; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp cau;T
cs;slq;fshf epjp kw;Wk; Vida gad;fs;
fl;lzk; / mwtPL> juFf;$yp kw;Wk; tl;b
cw;gj;jp / Nritfis ngw;Wf;nfhs;tjw;F
gpd;gw;wNtz;ba eilKiw
Kf;fpa tpjpfs; kw;Wk; epge;jidfs;
NDB fdTf; fld;
FWfpa fhyg;gFjpf;Fs; flid ngw;Wf;nfhs;sf;$baik.
tq;fpAldhd Kd;ida fzf;F njhlu;Gfs; Njitg;glhJ.
gpiz tpyf;fy;. epue;ju kw;Wk; tpj;jpahrkhd tl;b tpfpjq;fis njupT nra;af;$ba nefpo;T
kuzk; kw;Wk; epue;ju mq;ftPdj;Jf;F ,ytr fhg;GWjp
fy;tp eltbf;iffSf;fhf fld;fs; toq;fg;gLk;.
rk;gs nfhLg;gdTfs; jpfjpfis mbg;gilahf nfhz;l nefpOk; jd;ikAlila kPs;nrYj;Jjy;
ve;jnthU rl;l eltbf;ifSf;fhfTk; fld;
mz;kpj;j tl;b tpfpjj;ij mwpe;Jnfhs;tjw;F jaTnra;J NDB ,izaj;jsj;ij ghu;itaplTk;.
nray;Kiw fl;lzq;fs;- njspthd trjpfs;
999,999 tiu ,.& 5,000
1,000,000-1,999,999
,.& 7,500
2,000,000 kw;Wk; mjw;F Nky;
,.& 9,000
Fwpg;G : Nkw;Fwpg;gpl;Ls;s xt;nthU fld; mikg;G kl;lq;fSf;Fk; ,.& 2500 Ntf RtL mbg;gilapy; Nru;f;fg;gLk;. nray;Kiw fl;lzq;fs;- gz cjtpf;fhf mlkhdk; nra;ag;gl;litfs;.
999,999 tiu ,.& 7,500
1,000,000-1,999,999
,.& 9,000
2,000,000 kw;Wk; mjw;F Nky;
,.& 12,500
rl;leltbf;if fl;lzk; Muk;g mlkhdk;- kPjp
njhifapy; 0.5% kw;Wk; 1.0 kpy;ypad; ,.& 10>0000 tiu.
NkYk; mlkhdk;- kPjp njhifapy; 0.03% kw;Wk; 1.0 kpy;ypad; ,.& 7>500 tiu
Kw; nfhLg;gdT> gFjp / epYitf;F 4% KO nfhLg;gdT
KOikahf G+u;j;jp nra;ag;gl;L ifnahkpg;gkplg;gl;l tpz;zg;gg;gbtk;
rhl;rpAld; KOikahf rupnad ep&gpf;fg;gl;l tpjpfs; kw;Wk; epge;jidapd;; mbg;gilapy; ifnahg;gkply;
rk;gsk; kw;Wk; jtizg;gzj;ij epWj;jp itj;J mij mDg;Gtij cWjpnra;Ak; epiyahd mwpTWj;jy;fSlhd KOikahf G+uzg;gLj;jg;gl;l njhopy; toq;Fdupd; fbjk;
fle;j %d;W khjq;fspd; rk;gs gl;bay;
ifnahg;gkpl;L rhl;rpAld; rupnad ep&gpj;J KOikg;gLj;jg;gl;l Ntz;LNfhSldhd KOikahd thf;FWjp gj;jpuk;.;
nry;YgbahFk; Njrpa milahs ml;ilapd; gpujp toq;fg;glNtz;Lk;. Njrpa milahsml;il ,y;yhtplj;J rhujp mDkjp gj;jpuk; / my;yJ flTr;rPl;il rku;g;gpf;fyhk;. (Njrpa milahs ml;il ,yf;fq;fis nfhz;l)
kpd;rhu fl;lz gw;Wr;rPl;L> jz;zPu; fl;lz gw;Wr;rPl;L> nghUj;jg;gl;Ls;s njh.Ngrp gw;Wr;rPl;L. %d;W khjq;fSf;fhd tq;fpf;$w;Wfs;
Kiwahf ifnahg;gkplg;gl;l cly; eyj;ij cWjp nra;Ak; fbj %yg;gpujp.
Ranjhopy; fld; tpz;zg;gjhup fle;j ,uz;L tUlq;fis tuT nryT tpguk; kw;Wk; Ie;njhif fzf;F tpguk; Kd;itf;fg;glNtz;Lk;.
,yq;if trpg;gplthrpfs; / 18 taJf;F Nkw;gl;l nry;YgbahFk; Ntiy mDkjp gj;jpuj;ijAila ntspehl;by; Ntiy nra;Ak; ,yq;ifia trpg;gplkhff;nfhs;shj ,yq;ifau;fs;
rhj;jpa$W Kd;G rupahdtnud mq;fPfupf;fg;gl;l tq;fp Copau.; tq;fpahy; mq;fPfupf;fg;gl;l
njhopy;rhu; FOTldhd gjpTnra;ag;gl;l epGzu;fs;
Ranjhopypy; <Lgl;Ls;s epGzu;fs; njhopy;rhuhjtu;fshd
];jhgdq;fspd; cupikahsu;fs;> gq;fhsu;fs;> mj;jpal;rfu;fs;;; ntspehl;by; Ntiy nra;tjw;fhd nry;YgbahFk; njhopy; mDkjp gj;jpuj;ijAila ,yq;ifia tprpg;gplkhff;nfhs;shjtu;fs;
Fwpg;G: njhopy;rhuh Copau;fSf;fhd fld;
trjpfs; kw;Wk; Vw;Wf;nfhs;sf;$$ba ghJfhg;gpd; mbg;gilapy;; ,yq;if tjptplhj ntspehl;by; njhopy;GupAk; ,yq;ifau;fs; mDkjpf;fg;gLtu;;.
Mff;Fiwe;j fld; trjp 100>000 kw;Wk; Mff;$ba fld; trjp 4>500>000
kPs; nrYj;Jk; Mff;$ba fhy vy;iy 5-7 tUlq;fshFk;. (kPs; nrYj;Jk; fhy vy;iy tpz;zg;gjhupapd; tifia mbg;gilahf nfhz;bUf;Fk;.)
kPs; nfhLg;gdT fhyk; -55 tUlq;fs; tiu Mdhy; tpahghu ];jhgdj;jpd; Xa;T+jpa nfhs;ifapd; mbg;gilapy;; 60 tUlq;fs; tiu ePbf;fyhk;. -mur cj;jpNahf];ju;fSf;F 65 taJ tiu -mur gy;fiyf;fofq;fs; kw;Wk; gy;fiyf;fof khdpaq;fs; Mizf;FOTld; Nru;e;j gy;fiyf;fof tpupTiuahsu;fSf;F 65 taJ tiu.
Kf;fpa tpla Mtzk; - tPl;L fld;fs;
NDB tPl;L fld; rfy tpjkhd tPl;L
Njitf;fhd tPl;L fld; fhzp/fl;blk; nfhs;tdT nra;tjw;F Maj;jk; fl;Lkhd fld; tp];jupg;G fld; Nkk;gLj;jy; fld;fs;
nrhj;Jfs; nfhs;tdT> fl;Lkhdk; kw;Wk; tPl;il Nkk;gLj;Jtjw;F Vw;fdNt fld; ngw;wpUe;jhy; Nkyjpf tplaq;fSf;fhf fld; toq;fyhk;.
epue;ju my;yJ epue;jukw;w tl;b tPjj;jpw;F ,ilapy; njupTnra;Ak; re;hu;g;gk;.
cq;fs; thrw;gbf;Nf tUk; Jupj Nrit.
kypthd tl;b tpfpjk;: CNrep mq;fj;jtu;fSf;F tpNrl Fiwe;j tl;b tpfpjk;.
• Gjpa tl;b tpfpjj;ij mwpe;Jnfhs;s NDB ,iza jsj;ij ghUq;fs;.
Mff;$ba njhif &gh 60>000/- cld; 2% tpfpjk;
fhg;GWjp
- <l;L ghJfhg;G nfhs;if (jdp jtizg;gzk;)
- jiyg;G fhg;GWjp (gpuNahfj;jf;fjhf ,Ug;gpd;)
- nghJ fhg;GWjp (gpuNahfj;jf;fjhf ,Ug;gpd;)
<l;L gpizg;gj;jpuk; epiwNtw;Wtjw;fhf kw;iwa fl;lzq;fis gpuNahfpf;fyhk;.
Kd; nfhLg;gdT> / gFjp> KO nfhLg;gdT epYitf;F 4% tpfpjk;
%y trjpf;F Nky; mguhj tl;b 2%.
tUkhd Mtzq;fs; fld; tpz;zg;gj;ij
KOikahf G+uzg;gLj;jp ifnahg;gkplg;gl;Ls;sJ.
KOikahf mj;jhl;rpg;gLj;jg;gl;l Njrpa milahs ml;il> rhujp mDkjpgj;jpuq;fs; kw;Wk; flTr;rPl;bd; cz;ik gpujpfs;
fle;j khj rk;gs tpguk; (%yg;gpujp my;yJ mj;jhl;rpg;gLj;jg;gl;l gpujp)
rk;gsk;> epue;ju nfhLg;gdTfs;> njhopy;> Nrit nra;j tUlq;fs; kw;Wk; Xa;TngWk; taJ Nghd;witfis cWjpnra;Ak; njhopy; toq;Fduhy; toq;;fg;gl;l fbjj;jpd; %yg;gpujp.
fle;j %d;W khjj;jpd; %yg;gpujpAldhd tq;fp mwpf;if /mj;jhl;rpg;gLj;jg;gl;l gpujpfs;
rl;l Mtzq;fs;
fhzp gjpthsuplkpUe;J 25 tUlj;Jf;fhd %yg;gpujpapd; Fwpg;Gfs;
cg gpuptpd; mDkjpAldhd fhzp tiuglk;
fle;j 25 tUlj;Jf;fhd tiuglk;
25 tUlj;Jf;fhd Gjpa cWjp cs;slq;fshf cWjp gpujpfs;
gpuNjr mjpfhurig rhd;wpjo; (tPjp NfhL / cupkkw;w / cupik rhd;wpjo;)
fzpg;gPL mwptpj;jy; ,Wjp fhyhz;Lf;fhd urPJ
,yq;if FbAupikAilatu; / FbAupikaw;wtu; 18 taJf;F Nkw;gl;ltUk;; ntspehl;by; Ntiy nra;tjw;fhd nry;YgbahFk; Ntiy mDkjp gj;jpuj;ijAilatu;
rhj;jpaf;$W
Kd;G rupahdtnud mq;fPfupf;fg;gl;l tq;fp Copau;.
tq;fpahy; mq;fPfupf;fg;gl;l njhopy;rhu; FOTldhd gjpTnra;ag;gl;l epGzu;fs;. ;
njhopy;rhu;e;j Ranjhopypy; <Lgl;Ls;stu;.
njhopy;rhuhjtu;fshd ];jhgdq;fspd; cupikahsu;fs;> gq;fhsu;fs;> mj;jpal;rfu;fs;
,yq;if tjptplkw;wtu; ntspehl;by; Ntiy nra;tjw;fhd nry;YgbahFk; njhopy; mDkjp gj;jpuj;ijAilatu;
gpd;tUtditfs; mbg;gilapy; Mff;$Ljyhf 20 tUlq;fs; tiu kPsnrYj;Jk; tifapy;
taJ 55 tiu fk;gdpapd; Xa;T+jpa nfhs;if mbg;gilapy; 65 tiu tp];jupj;jy;
mur gy;fiyf;fofq;fs; kw;Wk; gy;fiyf;fof khzpa Mizaj;Jld; ,ize;j gy;fiyf;fof tpupTiuahsu;fSf;F 65 taJ tiu
65 tiu njhopy;rhue;j Ranjhopypy; <Lgl;Ls;stu;fSf;F kw;Wk; ,yq;ifia tjptplkhf nfhz;buhjtu;fSf;F.
mlkhdk; nra;Ak; Mjdj;jpd; mbg;gilapy; (tpad fld; jpl;lk; cs;slq;fshf)
Fwpg;G : . vt;thwhapDk; rl;l Mtzq;fs; Njitg;gLk;NghJ cWjpapd; jd;ik mbg;gilapy; tq;fp mj;jhl;rpg;gLj;jg;gl;l %y rhd;wpjo;fis NfhUk;. njhopDl;g Mtzq;fs; fl;Lkhdk; /
tp];jupj;jy;fSf;F mq;fPfupf;fg;gl;l fl;bl tiuglk; fl;Lkhdk; / tp];jupj;jy; / Nkk;gLj;jy; Nghd;witfSf;F msT tpgu gj;jpuk.;
nfhs;tdT nra;a Maj;jkhf ,Ue;jhy; Mjdj;ij tpw;gid nra;a cld;gLfpwhu; vd;gij cWjpnra;Ak; tpw;gid nra;gtupd; fbjk;
cWjp nra;Ak; rhd;wpjo;
,iltplhJ 5 tUlkhf Copau; ek;gpf;if epjpaj;Jf;F gq;fspg;G toq;fpa tpz;zg;gjhuu; tpad flid ngwf;$batuhf ,Ug;gJld; Fwpj;j tpz;zg;gjhup 2 tUlk; epjp gq;fspg;ig toq;fpatuhf ,Uj;jy;
Njitahd Mf;fFiwe;j ek;gpf;if epjpa kpFjpapd; ghf;fp NfhUk; njhifia nghUj;jJ.
Kf;fpa tpla Mtzk;- tpyf;F toq;F tpahghuk; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp
cau;T cs;slq;fshf epjp kw;Wk; Vida gad;fs;
fl;lzk; / mwtPL> juFf;$yp kw;Wk; tl;b
cw;gj;jp / Nritfis ngw;Wf;nfhs;tjw;F
gpd;gw;wNtz;ba eilKiw
Kf;fpa tpjpfs; kw;Wk; epge;jidfs;
NDB tpyf;F toq;F tpahghuk;
nfhs;tdT / ,yhgk; <l;Ltjw;F gq;F tpahghuk;
NDBS gq;F juF FOtpypUe;J KjyPl;L MNyhridfs;
tq;fpAldhd Kd;ida fzf;F cwTfs; Njitg;glhJ.
gapw;wg;gl;l Copau;fs; Clhf jdpg;gl;l Nrit
kypT fl;lzq;fs;
Gjpa tl;b tpfpjj;ij mwpe;Jnfhs;s NDB ,izaj;jsj;ij ghu;itapLq;fs;.
cwT rhu;e;j fzf;if Muk;gpf;Fk; gbtk; (tq;fp KYC gbtj;Jld;)
facility. tpyf;F toq;F tpahghu trjpf;fhd tpz;zg;gg;gbtk;
Fwpj;j tpjj;jpy; KOikg;gLj;jf;$ba CDS cld; njhlu;Gila gbtq;fs;
Fwpj;j tpjj;jpy; KOikg;gLj;jf;$ba fle;j gz Gwy;T Mjhuk;
fle;j gz Gwy;T fzf;F tpguk; kw;Wk; rk;gs gl;bay; Mjhuk;
fk;gdpnahd;W fld; thq;Fkhapd; 3 tUlj;Jf;fhd epjp tpguk;
KOikahf mj;jhl;rpg;gLj;jg;gl;l Njrpa milahs ml;ilapd; gpujp / my;yJ nry;YgbahFk; flTr;rPl;L
tpyf;F toq;F tpahghu xg;ge;jk;
ml;Nlhu;dp mjpfhuk; (POA).
jdpg;gl;ltu;fSf;F rj;jpaf;fljhrp/ fk;gdpfSf;fhf nghWg;Ngw;Fk; fbjk;
fk;gdpfSf;fhd jPu;T rig CDS fzf;Ffspy; ,Uf;Fk;
,dq;fz;l gq;FfSf;F cWjpnkhopia ngw;Wf;nfhs;sy;
trjp toq;Fk; jpfjpf;F my;yJ rl;l eguhf (fk;gdp/ $l;Ljhgdk;) taJ 18f;F Nkw;gl;lJk; 60 taij flf;fhj NDB tq;fpAld; jw;NghJ ,Uf;Fk; thbf;ifahsu; kw;Wk; Gjpa thbf;ifahsu;fs;
tjptpl my;yJ tjptplkw;w ,yq;if gpui[ (tjptplkw;wtUf;F Kd; xOq;FgLj;Jk; (CBSL) mq;fPfhuk; ,Uj;jy; mtrpak;)
mgha mstPl;L re;ij ngWkjp (RWMV) vd;w uPjpapy; 50% tPj gq;Ff;F trjpfs; toq;fg;gLk;. (guhkupg;gjw;fhd tpyf;F). vt;thwhapDk; ,e;j tpfpjk; Kd;dwptpj;jypd;wp khw;wYf;F cl;gl;lJ.
Fwpg;G guhkupg;gjw;fhd tpyf;F midj;J NtisapYk; eiKiwapypUf;Fk;. mt;thwhd tpfpjq;fs; elj;jg;glhj re;ju;g;gj;jpy; Fwpj;j RWMV guhkupg;ig Nkw;nfhs;tjw;F gq;Ffis ,y;yhnjhopf;Fk; cupikia tq;fp nfhz;bUf;Fk;.
KjyPL 3 tpj;jpahrkhd fk;gdpfSld; fye;Jnfhz;L KjyPl;il gy;tifg;gLj;Jk;.
jdpg;gl;l fk;gdpapd; KjyPL 33.33% tPjj;ij flf;ff;$lhJ..
Mff;Fiwe;j fld; trjp 2>000>000 MfTk; Mff;$baJ 200>000>000 MFk;.
12 khjj;jpw;F trjpfs; fpilf;ff;$bajhf ,Ug;gJld; mjd;gpd; kPsha;Tk; GJg;gpj;jYk; nra;ag;gLk;.
nray;Kiw kw;Wk; GJg;gpj;jy; Nghd;witfSf;F fl;lzk; mwtplg;gLtJld; fhyj;Jf;F fhyk; mj;njhif njhlu;ghf mwptpf;fg;gLk;.
midj;J Njitahd Mtzq;fs; G+uzg;gLj;jg;gl;ljd; mbg;gilapy;> tq;fpapd; fld; kjpg;gPl;L msTld; tq;fp jdpg;gl;l tpUg;gj;jpd; Ngupy; fld; trjpfs; fpilf;f$bajhf ,Uf;Fk;.
Kf;fpa tpla Mtzk;- mlF gpbj;jy; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp cau;T
cs;slq;fshf epjp kw;Wk; Vida gad;fs;
fl;lzk; / mwtPL> juFf;$yp kw;Wk; tl;b
cw;gj;jp / Nritfis ngw;Wf;nfhs;tjw;F
gpd;gw;wNtz;ba eilKiw
Kf;fpa tpjpfs; kw;Wk; epge;jidfs;
NDB mlF gpbj;jy;
jq;fj;ij <L itg;gjd; %yk; gzk; ngw;Wf;nfhs;sy;
Jupj nraw;ghLk; kPs toq;fYk; trjpahdJk; rhjhuzkhdJkhd Mtzq;fs;.
tq;fpAldhd Kd; fzf;;F njhlu;Gfs; Njitg;glhJ.
gapw;wg;gl;l Copau;fs; Clhf jdpg;gl;l uPjpapy; ftdpj;jy;
nraw;ghl;L fl;lzk; my;yJ Neuj;NjhL kPl;fg;gl;ljw;fhd fl;lzq;fs; ,y;iy.
kypthd Kw;gzk; kw;Wk; njhif
Gjpa tl;b tpfpjk; kw;Wk; Kd;gzj;njhifia mwpe;Jnfhs;s NDB ,izaj;jsj;ij ghu;itapLq;fs;.
Njrpa milahs ml;il ,y;yhtpbd; Njrpa milahs ml;il ,yf;fq;fis nfhz;l rhujp mDkjpgj;jpuk; my;yJ flTr;rPl;bd; gpujpfs; rku;g;gpf;fg;glNtz;Lk;.
epiw> nful; kw;Wk; Kw;gzj;ij jPu;khdpj;j gpd; jq;f eiffis itg;gpyplyhk;.
mlF gj;jpuk;
tpz;zg;gjhup ,yq;if gpui[ahfTk; kw;Wk; ,yq;ifapy; trpf;Fk; 18 taJf;F Nkw;gl;ltuhf ,Uj;jy; Ntz;Lk;.
Mff;Fiwe;jJ nfhLg;gdT &gh 5>000 MFk;.
trjpfs; 12 khjj;jpw;Nf fpilf;ff;$bajhf ,Uf;Fk;
Kw;gzj;jpd; msT cWjpg;gLj;jy; jq;f eiffspd; ngWkjpia mbg;gilahf nfhz;bUf;Fk;.
Njitahd midj;J Mtzq;fs; G+uzg;gLj;jg;gl;L kw;Wk; tq;fpapd; fld; kjpg;gPl;L msTNfhSf;F cl;gl;L tq;fpapd; jdp tpUg;gj;jpd; mbg;gilapNyNa gzf;nfhLg;gdTfs fpilf;f$bajhf ,Uf;Fk;.
Kf;fpa tpla Mtzk; – thfd jtiz fld; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp cau;T
cs;slq;fshf epjp kw;Wk; Vida gad;fs;
fl;lzk; / mwtPL> juFf;$yp kw;Wk; tl;b
cw;gj;jp / Nritfis ngw;Wf;nfhs;tjw;F
gpd;gw;wNtz;ba eilKiw
Kf;fpa tpjpfs; kw;Wk; epge;jidfs;
NDB Fj;jif/fld; /thlif nfhs;tdT
tu;j;jf FwpA+l;Lldhd Gjpa/ kPs;gjg;gLj;jpa my;yJ gjpTnra;ag;gl;l thfdq;fis ifafg;gLj;jy;.
Jupj nraw;ghLk; kPs toq;fYk;
tq;fpAldhd Kd; fzf;;F njhlu;Gfs; Njitg;glhJ.
gapw;wg;gl;l Copau;fs; Clhf jdpg;gl;l uPjpapy; ftdpj;jy.;
cj;juthjpfs; ,y;iy xNu jlitapy; nrYj;j Njitapy;iy (epge;jidfSf;F cl;gl;lJ)
Gjpa tl;b tpfpjj;ij mwpe;Jnfhs;s NDB ,izaj;jsj;ij ghu;itapLq;fs;.
nraw;ghl;L fl;lzq;fs; Fj;jiffs;
1.0 kpy;ypad; ,yq;if &gh 9>050/- tiu (ngWkjp Nru; tup cs;slq;fshf)
xt;nthU 100>000 f;F 1.0 kpy;ypad; - 0.02% f;F Nky;.
Kj;jpiu fl;lzk; Fj;jif kw;Wk; thlif nfhs;tdTf;F trjp njhif 1%
fld;fSf;F Kj;jpiu tup fld; ngWkjpapypUe;J 0.01%.
Fj;jif /fld; tpz;zg;ggbtk;
%yg;gpujp /gjpT rhd;wpjopd; gpujp
rhu;ghd – gw;Wr;rPl;L gbtk; tq;fpahy; epakpf;fg;gl;l kjpg;gPl;L FOtpd; kjpg;gPl;L mwpf;if (kjpg;gPl;L FO gl;baiy fpisapypUe;J ngw;Wf;nfhs;syhk;.)
Njrpa milahs ml;ilapd; gpujp ,y;yhtpbd; Njrpa milahs ml;il ,yf;fq;fis nfhz;l rhujp mDkjpgj;jpuk; my;yJ flTr;rPl;bd; gpujpfs;
jdpg;gl;l thbf;ifahsu;fs;
fle;j 3 khjq;fspd; rk;gs gl;bay;
epue;ju tpyhrj;jpd; cWjpg;gLj;jy;
fle;j 6 khjq;fspd; tq;fp fzf;F tpguk;
njhopy; toq;fdupd; fbjk;.
tpahghu gjpT (tu;j;jf thbf;ifahsu;fSf;F)
$l;bizg;G rhd;wpjo; (tu;j;jf thbf;ifahsu;fSf;F)
SME thbf;ifahsu;fs;
6 khjq;fSf;fhd tq;fp fzf;F tpguk;
fzf;fha;T nra;ag;gl;l / cUg;gb nra;ag;gl;l fle;j 3 tUl fzf;F
jdpg;gl;l SME kw;Wk; $l;L thbf;ifahsu;fSf;F trjpfs; cz;L
jdpg;gl;l tpz;zg;gjhupfs; ,yq;if gpu[hTupikAila FbapUg;ghsu;fshf ,Uj;jy; Ntz;Lk;.
jdpg;gl;l thbf;ifahsu;fs; trjp toq;Fk; ,Wjp jpfjpapy; Mff;Fiwe;jJ 18 tajhf mj;NjhL 55/ 60 taij flf;fhjtuhf ,Uj;jy; Ntz;Lk;.
Mff;Fiwe;j trjp 100>000 kw;Wk; jdpg;gl;ltu;fSf;fhd Mff;$ba njhif 5>000>000 kw;Wk; SME thbf;ifahsu;fSf;F &gh 7>500>000
Mff;Fiwe;jJ 12 khjq;fs; trjpia mDgtpg;gJld; Mff;$baJ 5-6 tUlq;fs; mDgtpf;fyhk;.
Fj;jif trjpf;;fhd cj;juthjk; thfdj;jpd; cz;ikahd cupikahsUf;F toq;fg;gLtJld; Mjdj;jpd; mlkhdk; mbg;gilapNyNa fld;fs; toq;fg;gLk; mj;Jld; Nkyjpf cj;juthjk; Nfhug;glyhk;.
nfhLg;gdTfs; Njitahd midj;J Mtzq;fs; G+uzg;gLj;jy; kw;Wk; tq;fpapd; fld; kjpg;gPl;L msTNfhSf;F cl;gl;L tq;fpapd; jdp tpUg;gj;jpd; mbg;gilapNyNa fpilf;f$bajhf ,Uf;Fk;.
Kf;fpa tpla Mtzk; - #upa tY fld;fs; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp
cau;T cs;slq;fshf epjp kw;Wk; Vida gad;fs;
fl;lzk; / mwtPL> juFf;$yp kw;Wk; tl;b
cw;gj;jp / Nritfis ngw;Wf;nfhs;tjw;F
gpd;gw;wNtz;ba eilKiw
Kf;fpa tpjpfs; kw;Wk; epge;jidfs;
NDB #upatY mD$yk;
<L Njitapy;iy.
cj;juthjpfs; ,y;iy.
#upa rf;jp njhFjp %yk; cw;gj;jp nra;ag;gLk; myFfspd; njhif fzf;fPL %yk; kpd;rhu fl;lzk; Fiwf;fg;gLk;.
fld; jtiz uPjpapy; eilKiw gzg;Gof;fj;jpw;F Rikahf ,Uf;fhky; Nrkpg;G %yk; KOikahf my;yJ ghupa msT nrYj;jf;$bajhf ,Uf;Fk;.
Fwpj;j Mtzq;fs; njspthf ,Ug;gpd; FWfpa fhyj;Jf;Fs; epjpia ngw;Wf;nfhs;sf;$bajhf ,Uj;jy;.
mq;fPfupf;fg;gl;l my;yJ ,yq;if jur;rhd;wpjo; gupe;Jiu nra;ag;gl;l tpepNahf];j;juplkpUe;J cgfuzj;ij ngw;Wf;nfhs;sy;.
Gjpa tl;b tpfpjj;ij mwpe;Jnfhs;s NDB ,izaj;jsj;ij ghu;itapLq;fs;.
Kd; nfhLg;gdtpd; gFjp / nkhj;j epYitapy KOtJkhf 4%
nraw;ghL fl;lzk; - Neu;j;jpahd trjp
to 999,999 tiu
,.& 5,000
1,000,000-1,999,999
,.& 7,5000
2,000,000 kw;Wk; mjw;FNky;
,.& 9,000
• fdTf;fld; tpz;zg;ggbtk; • cly;;eyk; njhlu;ghd cWjp • fdTf;fld; ngWgtupd; jdpg;gll fld;fSf;F nghUj;jkhd Kiwapy; mjDld; njhlu;Gila Vida Fwpj;j Mtzq;fs;
• tpw;gidahsupd; gw;Wr;rPl;bd; %yg;gpujp • #upatY njhFjpia nghUj;jg;gLk; ,lj;jpd; cupikahsu; vd;w uPjpapy; cWjpg;gLj;Jtjw;fhd rhd;Wfs;
•,yq;if kpd;rhu rig my;yJ
LECO tplkpUe;J mjpfhu rig mDkjp;. (#upatY mikg;gpw;F khj;jpuk;)
• Ranjhopypy; <Lgl;bUg;gtuhapd; 3 khj kpd;rhu fl;lz gw;Wr;rPl;L (epYitfs; rhl;rpahfhJ) • jdpg;gl;l tUkhd tpguk;
,yq;if FbAupikAilatu; / FbAupikaw;wtu; 18 taJf;F Nkw;gl;ltUk;; ntspehl;by; Ntiy nra;tjw;fhd nry;YgbahFk; Ntiy mDkjp gj;jpuj;ijAilatu;
njupTnra;ag;gl;l #upatY tpepNahf];j;ju; NDB gjpTnra;ag;gl Ntz;Lk;.
cgfuzj;Jf;fhd nrytpy; 25% tpz;zg;gjhuu; Vw;Wf;nfhs;sNtz;Lk;.
&gh 4.5 kpy;ypad; tiu fld; trjp
kPs;nrYj;jy; 60 khjq;fs; tiu nra;ayhk;.
tpepNahf];jUf;F Neupilahf kPs; nrYj;Jjy; nra;ag;gLk;. VjhtJ xU tpjj;jpy; kPs; nrYj;Jjy; thbf;ifahsUld; nra;aNtz;Lkhapd; rhl;rp Mtzq;fs; rku;g;gpf;fNtz;Lk;.
Kf;fpa tpla Mtzk; –fy;tp fld; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; rYiffs;
cs;slq;fshf epjp kw;Wk; Vida gad;fs;
fl;lzk; / mwtPL> juFf;$yp kw;Wk; tl;b
cw;gj;jp / Nritfis ngw;Wf;nfhs;tjw;F
gpd;gw;wNtz;ba eilKiw
Kf;fpa tpjpfs; kw;Wk; epge;jidfs;
fy;tpapy; fw;gtu;fSf;F NDB
<L my;yJ cj;juthjp ,y;yhky; fld; trjp toq;fg;gLk;.
tpj;jpahrkhd nefpOk; jd;ikAila ,uz;L Kiwfs; toq;fg;gl;Ls;sd.
Kiwik 1 rYif fhyg;gFjpapy; kPs; nrYj;jNtz;ba fld; njhifapd; tl;bia khj;jpuk; nrYj;Jk; nghWg;ig tpz;zg;gjhhp njhlu; fhyg;gFjpapy; nfhz;bUg;ghu;. Kiwik II rYif fhyg;gFjpapy;yhJ kPs; nrYj;Jjy.;
Gjpa tl;b tpfpjj;ij mwpe;Jnfhs;s NDB ,izaj;jsj;ij ghu;itapLq;fs;.
Kd; nfhLg;gdtpd; gFjp / nkhj;j epYitapy KOtJkhf 4%
nraw;ghL fl;lzk; - Neu;j;jpahd trjp
999,999 tiu ,.& 5,000
1,000,000-1,999,999
,.& 7,5000
2,000,000 kw;Wk; mjw;F Nky;
,.& 9,000
Njitahd Mtzq;fs; • fld; tpz;zg;ggbtk;
Njrpa milahs ml;ilapd; gpujp /nry;Ygbahd flTr;rPl;L
•njhopy; toq;Fdupd; fbjk; •mz;ikahf toq;fg;gl;l rk;gs gl;bay; • tpUk;gpa fy;tp jtizf;F Fwpj;j epjpia Neubahf mDg;Gtjw;F thbf;ifahsupdhy;; mjpfhukspf;fg;gl;l fbjk;.
• ,Wjp %d;W khjq;fSf;fhd tq;fp $w;W gpujpfs;.
•25% nfhLg;gdit cWjpnra;jy; • ghlnewp tpguq;fis cWjpnra;Ak; fy;tp epWtdj;jpd; fbjk;.
khztd; njhopy;GupahjpUg;gpd; ngw;Nwhu;fs; (njhopy; nra;Ak; ngw;Nwhu;fs;) fld; trjpfs; toq;Ftjw;fhd gpujhd tpz;zg;gjhupahf fUjg;gl;L khztid (taJ 18f;F Nkw;gl;l) rf tpz;zg;gjhupahf Vw;Wf;nfhs;sg;gLk;.
ngw;Nwhu;fs; Xa;TngWk; jpfjp my;yJ mjw;F Kd; my;yJ mtu;fspd; 65 taJ tiuapyhd fhyg;gFjpapy; fld; nrYj;jg;glNtz;Lk;.
Mff;Fiwe;j fld; njhif &gh 400>000 mj;Jld; Mff;$ba fld; njhif &gh 4>500>000 MFk;.
miu tUlj;Jf;F ghlnewp fl;lzkhf tq;fp 75% tPjj;ij fldhf toq;FtJld; kpFjp 25% tPjj;ij khztu; Vw;Wf;nfhs;sNtz;Lk;.
Mff;$baJ> 96 khjq;fNs toq;fg;gl;l fld;fis mDgtpf;fyhk;. (Mff;$ba 48 khj rYif fhyk; cs;slq;fshf)
fld; trjpfs; fl;lk; fl;lkhf nrYj;jg;gLtJld; mJ Neuhf fy;tp epWtdj;Jf;Nf mDg;gg;gLk;.
Kf;fpa tpla Mtzk; –tPl;Lf;fld; nkf;]; cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp
cau;T cs;slq;fshf epjp kw;Wk; Vida gad;fs;
fl;lzk; / mwtPL> juFf;$yp kw;Wk; tl;b
cw;gj;jp / Nritfis ngw;Wf;nfhs;tjw;F
gpd;gw;wNtz;ba eilKiw
Kf;fpa tpjpfs; kw;Wk; epge;jidfs;
NDB tPl;L fld; nkf;];
tPlikg;G NjitfSf;F my;yJ Vida jdpg;gl;l epjpj;Njitf;fhf ngw;Wf;nfhs;syhk;.
kpfTk; rhjhuz nraw;ghLfs; Clhf FWfpa fhyg;gFjpf;Fs; gzj;ij ngw;Wf;nfhs;syhk;.
Njitfs; ntspg;gil jd;ikia nfhz;litahfTk; rPuhfTk; fhzg;gly;
mu;g;gzpg;Gila tpw;gid FO tPl;Lf;Nf jdJ Jupj Nritia toq;Fk;.
fld; njhifapy; 1% tPjj;Jld; Mff;Fiwe;j njhif &gh 7>500 kw;Wk; Mff;$ba njhif &gh 60>000 MFk;.
fhg;GWjp
- <l;L ghJfhg;G cj;juthjk; (xU jtiz)
- cupj;J fhg;GWjp (nghUj;jkhf ,Ug;gpd;)
- nghJ fhg;GWjp (nghUj;jkhf ,Ug;gpd;)
<l;L cWjpg;gj;jpuj;ij epiwNtw;Wtjw;F Njitahd kw;iwa fl;lzq;fs;
gFjpasthd> nrYj;Jjy;fs; Kd; / nkhj;j epYitapy; 4%I KOtJkhf nrYj;Jtjw;fhd fl;lzq;fs;
%y fld; trjpf;F Nky; jz;l tl;b 2%
Njitahd Mtzq;fs;
Kiwahf G+uzg;gLj;jg;gl;l tpz;zg;ggbtk;
njhopy; Gupgtu;fshapd; mz;ikapy; toq;fg;gl;l rk;gs gl;baypd; %yg;gpujp.
njhopy;Gupgtu;fshapd; %d;W khjq;fSf;fhd tq;fp $w;Wfs;;.
Ranjhopy; nra;gtuhf ,Ug;gpd; 6 khjj;jpw;fhd fk;gdp $w;Wfs;
Njitg;ghlhdJ tPlikg;G njhlu;ghdJ vd;gjid ntspg;gLj;Jfpd;w rj;jpaf;fljhrp my;yJ cWjpf;fbjk;.
,Wjp kjpg;gPl;L mwpf;if jpdj;Jf;F jw;Nghija kjpg;gPl;L mwpf;if 4 tUlq;fs; ,Ug;gpd; tq;fp mq;fPfupf;fg;gl;l kjpg;gPl;L FO %yk; kPs; kjpg;gPl;il ngw;Wf;nfhs;sNtz;Lk;.
,Wjp Fwpg;gpd; %yg;gpujp
fld; gzk; toq;fg;gLtjw;F Kd; cs;@uhl;rp rigapd; rhd;wpjo; ngw;Wf;nfhs;sg;glNtz;Lk;.
nkhj;j fld; trjpfs; Mjdj;jpd; eilKiw tpw;gid ngWkjpapy; 75% tPjj;ij tpl mjpfkhf ,Uf;ff;$lhJ
mlF ghJfhg;G nfhs;if mj;Jld; jP fhg;GWjp ngw;Wfnfhs;sNtz;Lk;.
Mff;Fiwe;jJ fld; trjp &gh 250,000/- MfTk; Mff;$baJ 10,000,000/- Mf ,Uf;Fk;
fld; kPsr;nrYj;Jk; fhyg;gFjp 7 tUlq;fs; tiu.
Kf;fpa tpla Mtzk;- tPl;Lf;fld; nkf;]; - fdTf;fld;
cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp cau;T cs;slq;fshf epjp kw;Wk; Vida gad;fs;
fl;lzk; / mwtPL> juFf;$yp kw;Wk; tl;b
cw;gj;jp / Nritfis ngw;Wf;nfhs;tjw;F
gpd;gw;wNtz;ba eilKiw
Kf;fpa tpjpfs; kw;Wk; epge;jidfs;
NDB tPl;Lf;fld; nkf;]; - fdTf;fld;
Njitg;ghLfs; ntspg;gil jd;ikia nfhz;litahfTk; rPuhfTk; fhzg;gLjy;
FWfpa fhyg;gFjpapy; ngw;Wf;nfhs;sf;$bajhf ,Uj;jy;.
rpf;fyw;wJk; NtfkhdJk; nraw;ghL
mu;g;gzpg;Gldhd tpw;gid FO
tpjptpyf;fhd re;ju;g;gj;jpy; fhzpg; gjptfj;jpypUe;J ,Wjp Fwpg;gpd; %yg;gpujpia ngw;Wf;nfhs;sNtz;Lk;.
Gjpa tl;b tpfpjj;ij mwpe;Jnfhs;s NDB ,izaj;jsj;ij ghu;itapLq;fs;.
Fwpj;j fhyj;Jf;F Kd; nrYj;jg;gLtjw;fhd fl;lzk; (KO my;yJ gFjp) - 4%.
nraw;ghL fl;lzk; - <l;L gz cjtp
999,999 tiu ,.& 7,500
1,000,000-1,999,999
,.& 9,000
2,000,000 kw;Wk; mjw;F Nky;
,.& 12,500
(Valuation fee and the legal charges are not included in the above figure) (NkNy Fwpg;gplg;gl;Ls;s njhifapy; kjpg;gPl;L fl;lzk; kw;Wk; rl;l cjtpfSf;fhd fl;lzq;fs; cs;slf;fg;gltpy;iy.)
• fdTf;fld; tpz;zg;ggbtk;. mz;ikf;fhy rk;gs
gl;baypd; %yg;gpujp %d;W khjq;fSf;fhd tq;fp $w;Wfs;
• cly; ey rhd;wpjo;
njhopy; toq;FduplkpUe;J fbjk;
rj;jpaf;fljhrp my;yJ tPlikg;G Njit jtpu;e;j jdpg;gl;l Njitia Fwpg;gpLfpd;w cWjpf;fbjk;.
kjpg;gpPl;L mwpf;if
rj;jpaf;fljhrp my;yJ tPlikg;G Njit jtpu;e;j Njitia Fwpg;gpLfpd;w cWjpf;fbjk;.
cs;@uhl;rp rigapd; rhd;wpjo;fs;
Ranjhopypy; <Lgl;Ls;stu;fs; mz;ikf;fhy epjp epiyik
MW khjj;jpw;fhd tq;fp $w;W
,yq;ifapy; tjptplj;ijnfhz;ltuhf ,Uj;jy; / tjptplj;ijnfhz;buhjtu; ,yq;ifau;fs; 18 taJf;F Nkw;gl;ltuuhFk;; ntspehl;by; Ntiy nra;tjw;fhd nry;YgbahFk; Ntiy mDkjp gj;jpuj;ijAilatuhf ,Uj;jy;.
Mff;Fiwe;j fld; trjp &gh 250,000/- MfTk; Mff;$baJ 10,000,000/- Mf ,Uf;Fk;
kPs;r;nrYj;Jk; fhyg;gFjp 7 tUlq;fs; tiu.
jw;NghJ ,Uf;Fk; kjpg;gPl;L mwpf;if 4 tUlq;fSf;F Nkyhdjhf fhzg;gbd; Ntiyapy; tq;fpahy; mq;fPfupf;fg;gl;l kjpg;gPl;L FOtplk; kPs;; kjpg;gpPl;il ngw;Wf;nfhs;sg;glNtz;Lk;.
Kf;fpa tpla Mtzk;- tPl;Lf;fld; nkf;]; - kpifg;gw;W cw;gj;jp / Nrit Cf;Ftpg;G kw;Wk; gjtp
cau;T cs;slq;fshf epjp kw;Wk; Vida gad;fs;
fl;lzk; / mwtPL> juFf;$yp kw;Wk; tl;b
cw;gj;jp / Nritfis ngw;Wf;nfhs;tjw;F
gpd;gw;wNtz;ba eilKiw
Kf;fpa tpjpfs; kw;Wk; epge;jidfs;
tPl;Lf;fld; nkf;]; -kpifg;gw;W
cj;juthjkspg;gtu; Njitapy;iy
Njitg;ghLfs; ntspg;gil jd;ikia nfhz;litahfTk; rPuhfTk; fhzg;gLjy;
FWfpa fhyg;gFjpapy; ngw;Wf;nfhs;sf;$bajhf ,Uj;jy;
rpf;fyw;wJk;; NtfkhdJkhd nray;Kiw
mu;g;gzpg;Gldhd
tpw;gid FO
nraw;ghl;L fl;lzk; mwtplg;glkhl;lhJ
. jw;Nghija tl;b tPjj;ij mwpe;Jnfhs;tjw;fhf jaTnra;J NDB apd; ,izaj;jsj;Jf;Fs; gpuNtrpAq;fs;
Kd; nfhLg;gdtpd; gFjp
/ nkhj;j epYitapy; KOtJkhf 4%
Njitahd Mtzq;fs;
• eilKiw fzf;F fl;lis (tPl;Lf;fld; nkf;]; kpif gw;W ug;gu; Kj;jpiuAld;)
filrp rk;gs gl;baypd; %yg;gpujp
kpif gw;W trjpf;fhd Ntz;LNfhs; fbjk;
6 khjj;jpw;fhd eilKiw fzf;F $w;W
Mff;Fiwe;j 100>000/- kw;Wk; Mff;$ba 1>000>000/-
xU kpifg;gw;W trjp toq;FtJ njhlu;gpy; tPl;Lf;fldhf ,.& 5.0 kpy;ypad; my;yJ mjw;F Nky; gad;gLj;jpf;nfhz;ltu;fs; khj;jpuNk fUj;jpw;nfhs;sg;gLthu;fs;
Kiwg;ghL nray;Kiw
thbf;ifahsu;fs;; KiwghLfis Kd;itg;gjw;F gpd;tUkhW Kiwikfis gad;gLj;jyhk;.. fpis Kfhikahsu;; my;yJ tplak; njhlu;ghd Kfhikahsu;fs; %yk;.
vkJ njhiyj;njhlu;G epiyaj;jpD}lhf
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