evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU · 2015. 11. 12. · mKj TREC Holder, ‡cvU©‡dvwjI g¨v‡bRvi I gv‡P©›U e¨vsKvi, wmwKDwiwUR Kv÷wWqvb I m¤ú` e¨e¯’vcK

evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU

evsjv‡`k e¨vsK

cÖavb Kvh©vjq

XvKv

www.bb.org.bd

weGdAvBBD mvK©yjvi bs-18 ZvwiL :

cÖavb wbe©vnx

mKj TREC Holder, ‡cvU©‡dvwjI g¨v‡bRvi I gv‡P©›U e¨vsKvi, wmwKDwiwUR Kv÷wWqvb I m¤ú` eë¯’vcK cÖwZôvb|

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a cyuwR evRvi mswkøó cÖwZôvbmg~‡ni (TREC Holder, ‡cvU©‡dvwjI g¨v‡bRvi

I gv‡P©›U e¨vsKvi, wmwKDwiwUR Kv÷wWqvb I m¤ú` eë¯’vcK) Rb¨ AbymiYxq wb‡ ©̀kbv m¤úwK©Z gv÷vi mvKz©jvi|

wcÖq g‡nv`q,

gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi aviv (2) (e) (&&&F) Ges mš¿vm we‡ivax AvBb, 2009 (2012 I 2013 mv‡ji

ms‡kvabxmn) Gi aviv (2) (20) (&&&F) †gvZv‡eK (1) ÷K wWjvi I ÷K †eªvKvi (eZ©gv‡b TREC Holder wn‡m‡e AwfwnZ),

(2) †cvU©‡dvwjI g¨v‡bRvi I gv‡P©›U e¨vsKvi (3) wmwKDwiwUR Kv÷wWqvb Ges (4) m¤ú` eë¯’vcK cÖwZôvbmg~n ‡K wi‡cvU©

cÖ`vbKvix ms¯’v wn‡m‡e AšÍf©y³ i‡q‡Q| Gÿ‡Y, ewY©Z AvBbØ‡qi D‡Ïk¨ c~iYK‡í, D³ AvBbØq I AvBbØ‡qi AvIZvq

RvixK…Z wewagvjvi mswkøó weavbvejx cwicvj‡bi wbwg‡Ë cyuwRevRvi mswkøó wi‡cvU© cÖ`vbKvix ms¯’vi Rb¨ AbymiYxq wbgœewY©Z

wb‡ ©̀kbvmg~n gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi 23(1)(N) Ges mš¿vm we‡ivax AvBb, 2009 Gi 15(1)(N) avivq cÖ`Ë

ÿgZv e‡j Rvix Kiv n‡jv t

1| cwicvjb KvVv‡gv t

1.1 gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva bxwZgvjv t

gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a AvšÍR©vwZK gvb`Û we‡ePbvq, †`‡k we`¨gvb AvBb, wewagvjv I

evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU (weGdAvBBD)-Gi wb‡ ©̀kbvejxi mgš̂‡q cyuwR evRvi mswkøó cÖwZwU

TREC Holder, ‡cvU©‡dvwjI g¨v‡bRvi I gv‡P©›U e¨vsKvi, wmwKDwiwUR Kv÷wWqvb I m¤ú` eë¯’vcK cÖwZôv‡bi

(cieZx©‡Z cyuwR evRvi mswkøó cÖwZôvb bv‡g AwfwnZ) wbR¯ ̂bxwZgvjv _vK‡e hv Zv‡ì cwiPvjbv cl©` ev cÖ‡hvR¨

†ÿ‡Î cÖwZôv‡bi m‡ev©”P eë¯’vcbv KwgwU KZ…©K Aby‡gvw`Z n‡e| D³ bxwZgvjv cÖwZôv‡bi mv‡_ mswkøó mK‡ji

AeMwZ‡Z Avb‡Z n‡e| GQvovI cÖwZôvbmg~n mg‡q mg‡q bxwZgvjvwU ch©v‡jvPbv Ki‡e Ges cÖ‡qvRbxq †ÿ‡Î

ms‡kvab/cwigvR©b Ki‡e|

1.2 gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a A½xKvi †NvlYv t

cyuwR evRvi mswkøó cÖwZwU cÖwZôv‡bi cÖavb wbe©vnx evrmwiK wfwË‡Z cÖwZôv‡bi mKj wefvM/kvLvi Kg©KZ©v/Kg©Pvix‡ì

D‡Ï‡k¨ gvwbjÛvwis Ges mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a my¯úó I Kvh©Ki A½xKvi (Commitment) †NvlYv Ki‡eb

Ges A½xKvi ev Í̄evq‡b h_vh_ wb‡ ©̀kbv cÖ`vb Ki‡eb|

1.3 SzuwK eë¯’vcbv c×wZ (Risk Management)t

(1) gvwbjÛvwis I mš¿v‡m A_©vqb msµvšÍ SzuwK myPviæiƒ‡c eë¯’vcbvi j‡ÿ¨ Ges gvwbjÛvwis cÖwZ‡iva AvBb, 2012

I mš¿vm we‡ivax AvBb, 2009 (2012 I 2013 Gi ms‡kvabxmn) Gi weavbvejx h_vh_ cwicvjbv‡_© cyuwR evRvi

mswkøó cÖwZwU cÖwZôvb Zv‡ì cÖavb Kvh©vj‡qi GKRb EaŸ©©Zb Kg©KZ©vi †bZ…‡Z¡ (whwb Chief Anti Money

Laundering Compliance Officer ms‡ÿ‡c CAMLCO bv‡g AwfwnZ n‡eb) `yB ev Z‡ZvwaK Kg©KZ©vi

mgš̂‡q GKwU ‡K› ª̀xq cwicvjb BDwbU (Central Copliance Unit: CCU) MVb Ki‡e Ges cÖ‡hvR¨ †ÿ‡Î,

kvLv chv©‡q kvLv cwicvjb Kg©KZ©v (Branch Anti Money Laundering Compliance Officer ms‡ÿ‡c

BAMLCO) g‡bvbq‡bi gva¨‡g Af¨šÍixY cwiexÿY I wbqš¿Y eë¯’v cÖwZôv Ki‡e| cyuwR evRvi mswkøó

cÖwZôvbmg~n ‡K› ª̀xq cwicvjb BDwbU Gi Kg©cwiwa I Kvh©µg myôzfv‡e m¤úv`‡bi D‡Ï‡k¨ cÖvwZôvwbK †K․kj

(Strategy) I Kg©m~Px (program) wba©viY/‡NvlYv Ki‡e; hv cÖwZôv‡bi m‡ev©”P KZ…©cÿ KZ©„K Aby‡gvw`Z n‡Z

04 KvwË©K, 1422

19 A‡±vei, 2015

http://www.bangladeshbank.org.bd/

n‡e| †NvwlZ cÖvwZôvwbK †K․kj (Strategy) I Kg©m~Px (program) mg‡q mg‡q nvjbvMv` I ch©v‡jvPbv Ki‡Z

n‡e| ‡K›`ªxq cwicvjb BDwbU gvwbjÛvwis cÖwZ‡iv‡ai `„wó‡KvY ‡_‡K MÖvn‡Ki cwiwPwZ (Know Your

Client), ‡iKW© msiÿY (Record Keeping), †jb‡`b cwiexÿY I wi‡cvU©KiY (Transaction

Monitoring & Reporting), Af¨šÍixY wbqš¿Y (Internal Control), bxwZ (Policies) I c×wZmg~‡ni

(Procedures) mgš^‡q ¯^ ¯^ cÖwZôv‡bi eëmvi AvKvi, aiY I cÖK…wZ BZ¨vw` we‡ePbvq GKwU c~Y©v½ MvBWjvBÝ

cÖYqb Ges ev Í̄evqb Ki‡e| GQvovI cÖ‡hvR¨ †ÿ‡Î, kvLvmg~‡ni Rb¨ AbymiYxq wb‡ ©̀kbvejx cÖ`vb Ki‡e|

(2) cyuwR evRvi mswkøó cÖwZwU cÖwZôvb wbw`©ó mgqv‡šÍ gvwbjÛvwis I mš¿v‡m A_©vqb msµvšÍ cÖYxZ SzuwK eë¯’vcbv

c×wZi Kvh©KvwiZv wbiƒc‡Yi j‡ÿ¨ Independent Audit Gi eë¯’v Ki‡e|

(3) cyuwR evRvi mswkøó cÖwZwU cÖwZôvb cÖwZ 03 (wZb) gvm AšÍi cÖavb Kvh©vjq/kvLvi Kg©KZ ©v‡ì wb‡q GKwU mfv

Av‡qvRb Ki‡e| D³ mfvq cÖavb Kvh©vjq/kvLvi gvwbjÛvwis cÖwZ‡iva welqK Kvh©µg msµvšÍ Av‡jvPbv I

cÖ‡qvRbxq wm×všÍ MÖnY Ki‡e Ges M„nxZ wm×všÍmg~n ev Í̄evq‡b h_vh_ c`‡ÿc MÖnYKiZt Zv ev Í̄evqb AMÖMwZ

ch©‡eÿY Ki‡e|

2| MÖvnK wbe©vPb bxwZgvjv (Customer Acceptance Policy)t

MÖvnK wbe©vP‡bi †ÿ‡Î cyuwR evRvi mswkøó cÖwZwU cÖwZôv‡bi GKwU mywbw`©ó MÖvnK wbe©vPb bxwZgvjv (Customer Acceptance

Policy) _vK‡Z n‡e| D³ bxwZgvjvq Ab¨vb¨ wel‡qi mv‡_ Avewk¨Kfv‡e wb‡gœv³ welqmg~n AšÍfz©³ _vK‡e t

(1) ‡ebv‡g ev QÙbv‡g ev ïaygvÎ b¤̂ihy³ ‡Kvb MÖvnK‡K †mev cÖ`vb Kiv hv‡e bv; Ges

(2) RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRyjyk‡bi AvIZvq mš¿vm I mš¿vmx Kv‡h© A_©vqb, e¨vcK aŸsmvZ¥K A‡¯¿i

we¯Ívi I Zv‡Z A_v©q‡b RwoZ m‡›`‡n ZvwjKvfy³ †Kvb e¨w³ ev mËv Ges evsjv‡`k miKvi KZ©„K ZvwjKvfy³

‡Kvb e¨w³ ev wbwl× †NvwlZ mËv‡K †mev cÖ`vb Kiv hv‡e bv | RvwZms‡Ni wbivcËv cwil‡ì wewfbœ †iRyjyk‡bi

AvIZvq ZvwjKvfy³ e¨w³ ev mËv ej‡Z mš¿vm we‡ivax wewagvjv, 2013 Gi 2 (Q) bs wewa‡Z msÁvwqZ

†iRyjyk‡bi AvIZvq ZvwjKvfz³ e¨w³ ev mËv‡K eySv‡e| GB ZvwjKvmg~n

http://www.un.org/sc/committees/consolidated_list.shtml I‡qewjsK n‡Z msMÖn Kiv hv‡e|

evsjv‡`k miKvi KZ©„K ZvwjKvfz³ ‡Kvb e¨w³ ev wbwl× †NvwlZ mËv ej‡Z mš¿vm we‡ivax AvBb, 2009 Gi 18

bs avivq cÖ`Ë ÿgZve‡j evsjv‡`k miKvi KZ…©K mg‡q mg‡q miKvwi †M‡RU cÖÁvcb Øviv Zdwmjfz³ ‡Kvb

e¨w³ ev mËv‡K eySv‡e|

3| MÖvnK t

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK eë¯’vcbvq MÖvnK ej‡Z wb‡gœv³ e¨w³ ev mËv‡K eySv‡e t

K. cyuwR evRvi mswkøó cÖwZôvb KZ…©K cÖ`Ë †mev MÖn‡Yi Rb¨ †Kvbiƒc eëmvwqK m¤úK© ¯’vcbKvix ev wnmve

cwiPvjbvKvix Ggb †h †Kvb e¨w³ ev mËv; Ges

L. we`¨gvb AvBbx KvVv‡gvi AvIZvq wnmve cwiPvjbv ev eëmvwqK m¤úK© †Kvb †ckv`vi ga¨ ’̄ZvKvix KZ©„K

cwiPvwjZ n‡j D³ wnmve cwiPvjbvKvix ev eëmvwqK m¤úK© ¯’vcbKvix ev †jb‡`‡bi cÖK…Z myweav‡fvMxI MÖvnK

wn‡m‡e we‡ewPZ n‡eb|

4| MÖvnK cwiwPwZ t

cyuwR evRvi mswkøó cÖwZwU cÖwZôvb gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb SzuwK eë¯’vcbvi j‡ÿ¨ MÖvnK cwiwPwZ I MÖvnK

cwiwPwZi Z_¨ hvPvB cÖwµqvi wb‡gœv³ c×wZ AbymiY Ki‡et

(1) gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb welqK SzuwK cÖwZ‡iv‡a cÖwZôv‡bi mKj MÖvn‡Ki (e¨w³ A_ev mËv) cwiwPwZi

mwVK I c~Y©v½ Z_¨ msMÖn Ki‡Z n‡e| cÖwZôvbmg~n hv‡Z gvwbjÛvwis ev mš¿vmx Kv‡h© A_©vq‡bi SzuwKi m¤§yLxb bv

nq Zv wbwðZ Kivi Rb¨ MÖvn‡Ki h_vh_ cwiwPwZ MÖnY Ges hvPvB cÖwµqv (Know Your Customer-KYC)

Ôcwiwkó-KÕ -G cÖ`Ë wb‡ ©̀kbv Abyhvqx m¤úv`b Ki‡Z n‡e;

(2) cÖwZôv‡bi mKj MÖvn‡Ki (e¨w³ A_ev mËv) cwiwPwZi mwVK I c~Yv©½ Z_¨ msiÿY Ki‡e| D‡jøL¨, c~Y©v½ ej‡Z

MÖvn‡Ki cwiwPwZ hvPvBK‡í cÖ‡qvRbxq mKj Z‡_ï mwbœ‡ek‡K eySv‡e| Aciw`‡K mwVK ej‡Z MÖvn‡Ki cwiwPwZ

hvPvB‡qi wbwg‡Ë M„nxZ Z_¨vwì mwVKZv hvPvB Kiv‡K eySv‡e;

(3) mswkøó wmwKDwiwUR Kv÷wWqvb cÖwZôvbmg~n Zv‡ì Correspondent Bank Gi Underlying Customer

‡ì cÖ‡qvRbxq †mev cÖ`v‡bi †ÿ‡Î D³ Underlying Customer Gi cwiwPwZi cÖ‡qvRbxq Z_¨vw` mwVKfv‡e

msiÿY Kiv n‡q‡Q g‡g© cÖZ¨qb cÎ (Pvwn`v †gvZv‡eK cÖ‡qvRbxq Z_¨ mieiv‡ni A½xKvimn) msMÖn I msiÿY

Ki‡e| GQvovI Non Resident Taka Account (NITA) ev Kv÷wWqvb wnmv‡ei gva¨‡g Z…Zxq c‡ÿi

AbyK‚‡j ‡kqvi/wmwKDwiwUR Gi weµqjä A_© †cÖi‡Yi †ÿ‡Î ‡ewbwdwkqvixi c~Yv©½ Z_¨ msiÿY Ki‡Z n‡e;

(4) m¤ú` eë¯’vcK cÖwZôvb KZ©„K cÖ`Ë †mevi †ÿ‡Î MÖvnK cwiwPwZi c~Yv©½ Z_¨ msiÿY Ki‡Z n‡e| Z‡e, ‡h

mKj m¤ú` eë¯’vcK cÖwZôvb ïaygvÎ Closed-end wgDPz¨qvj dv‡Ûi eë¯’vcbv K‡i _v‡K †m mKj

cÖwZôvbmg~n Sponsor, Pre-IPO, A_ev lock-in ‡kqvi‡nvìvi‡ì ‡ÿ‡Î A‡_©i Drm hvPvBc~e©K

Simplified CDD Procedures AbymiY Ki‡Z cvi‡e;

(5) ‡cvU©‡dvwjI g¨v‡bRvi KZ©„K cÖ`Ë †mevi †ÿ‡Î MÖvn‡Ki cwiwPwZi c~Yv©½ Z_¨ msiÿY Ki‡Z n‡e| Z‡e, G‡ÿ‡Î

MÖvnK discretionary ‡cvU©‡dvwjI (†h †ÿ‡Î †kqvi/wmwKDwiwUR †Kbv-‡ePvi GLwZqvi MÖvn‡Ki) e¨ZxZ

Ab¨vb¨ †ÿ‡Î (†hgbt †cvU©‡dvwjI g¨v‡bRvi discretionary ‡cvU©‡dvwjI) mwVKfv‡e A‡_©i Drm hvPvBc~e©K

Simplified CDD Procedures AbymiY Kiv hv‡e; Ges

(6) 2010 mv‡ji 30†m‡Þ¤î Gi c~‡e© †Lvjv wnmvemg~‡ni (eZ©gv‡b Pjgvb) MÖvnK cwiwPwZ nvjbvMv`Ki‡Yi Ask

wn‡m‡e mwVK I c~Y©v½ Z_¨ msMÖnc~e©K msiÿY Ki‡Z n‡e| D³ Z_¨ msMÖn I msiÿ‡Yi cÖwµqv AvMvgx 30 Ryb,

2016 Zvwi‡Li g‡a¨ m¤úbœ Ki‡Z n‡e| G‡ÿ‡Î nvjbvMv`K…Z wnmv‡ei AMÖMwZi weeiY c~‡e©i b¨vq •ÎgvwmK

wfwË‡Z cÖwZ •ÎgvwmK mgvß nIqvi cieZx© gv‡mi 15 Zvwi‡Li g‡a¨ weGdAvBBD†K AewnZ Ki‡Z n‡e|

4.1 Customer Due Diligence t

(1) Customer Due Diligence (CDD) ej‡Z wbf©i‡hvM¨ I ¯^vaxb Drm n‡Z cÖvß Z_¨, DcvË I `wjjvwì

wfwË‡Z MÖvn‡Ki cwiwPwZ hvPvBKiY I wnmv‡ei †jb‡`b gwbUwis Kiv‡K eySv‡e| D‡jøL¨ †h, MÖvn‡Ki h_vh_

cwiwPwZ/cwiwPwZi Z_¨ msMÖn Ges Dnv hvPvBKiY (KYC), CDD cÖwµqvi GKwU Ask|

(2) MÖvn‡Ki SzuwK we‡ePbvq wb¤œewY©Z wewfbœ ch©v‡q CDD m¤úv`b Ki‡Z n‡e-

(K) MÖvn‡Ki mv‡_ m¤úK© ¯’vc‡bi mgq;

(L) we`¨gvb MÖvn‡Ki mv‡_ Avw_©K †jb‡`b msNU‡bi mgq;

(M) hLb m‡›`n Kivi h‡_ó KviY _vK‡e †h BZtc~‡e© MÖvn‡Ki cwiwPwZi mc‡ÿ †h Z_¨ ev `wjjvw` msMÖn Kiv

n‡q‡Q Zv ch©vß bq ev mwVK bq; Ges

(N) ‡Kvb †jb‡`b gvwbjÛvwis ev mš¿vmx Kv‡h© A_©vq‡bi mv‡_ RwoZ Giƒc m‡›`n n‡j|

(3) MÖvn‡Ki cwiwPwZ Ges cÖwZôv‡bi mv‡_ m¤úK© ¯’vc‡bi AšÍwb©wnZ D‡Ïk¨ m¤ú‡K© wbwðZ nIqvi Rb¨ cyuwR evRvi

mswkøó cÖwZwU cÖwZôvb Zv‡ì mš‘wó mv‡c‡ÿ ch©vß (c~Y©v½ I mwVK) Z_¨ msMÖn Ki‡e| ÒcÖwZôv‡bi mš‘wó

mv‡c‡ÿÓ ej‡Z we`¨gvb wb‡`©kbvi Av‡jv‡K MÖvn‡Ki SuzwK we‡ePbvq wb‡q cÖ‡qvRbxq Z_¨, DcvË I `wjjvw`

msMÖnc~e©K CDD m¤úbœ Kiv n‡q‡Q g‡g© h_vh_ KZ©„cÿ‡K mš‘ó Kiv‡K eySv‡e|

(4) hw` MÖvn‡Ki c‡ÿ Ab¨ †Kvb e¨w³ ‡mev MÖnY K‡i ev eëmvwqK m¤úK© ¯’vcb K‡i ev wnmve cwiPvjbv K‡i

†m‡ÿ‡Î D³ e¨w³ h_vh_fv‡e ÿgZvcÖvß wKbv Zv wbwðZ n‡q Zvi cwiwPwZi c~Y©v½ I mwVK Z_¨ msMÖn Ki‡Z

n‡e|

(5) MÖvn‡Ki c‡ÿ Uªvw÷ I †ckv`vi ga¨ ’̄ZvKvix KZ©„K cwiPvwjZ wnmv‡ei †ÿ‡Î ev eëmvwqK m¤úK© ¯’vc‡bi †ÿ‡Î

Zv‡ì AvBbMZ Ae¯’vb ch©v‡jvPbv I Zvi h_v_©Zv wbiƒcYc~e©K mswkøó mK‡ji cwiwPwZi mwVK I c~Y©v½ Z_¨

msMÖn Ki‡Z n‡e|

(6) †hme †`k gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡ai AvšÍR©vwZK gvb c~iY K‡iwb ev gvb c~i‡Y Zvrch©c~Y©

NvUwZ i‡q‡Q (‡hgb t dvBb¨vwÝqvj A¨vKkb Uv¯‥‡dv‡m©i cvewjK WKz‡g‡›U High Risk and Non-

Cooperative Jurisdictions wn‡m‡e ZvwjKvfy³ †`k) †mme †`‡ki †Kvb e¨w³ ev mËvi (AvBbMZ cÖwZwbwa

ev †h †Kvb cÖwZôvb) mv‡_ eëmvwqK m¤úK© ¯’vcb I we`¨gvb m¤úK© eRvq ivLv Ges †jb‡`b m¤úv`‡bi ‡ÿ‡Î

4.4 bs Aby‡”Q` †gvZv‡eK AwaKZi mZK©Zvg~jK eë¯’v (Enhanced Due Diligence) MÖnY Ki‡Z n‡e|

4.2 wnmv‡ei cÖK„Z myweav‡fvMx (Beneficial Owner)

(1) wnmv‡ei cÖK„Z myweav‡fvMx (Beneficial Owner) mbv³KiYc~e©K cyuwR evRvi mswkøó cÖwZwU cÖwZôvb wbf©i‡hvM¨ m~Î n‡Z msM„nxZ Z‡_ï Av‡jv‡K Zv‡ì cwiwPwZ wbwðZ Ki‡e|

(2) hw` ‡Kvb MÖvn‡Ki c‡ÿ Ab¨ ‡Kvb e¨w³ wnmve ev eëmvwqK m¤úK© cwiPvjbv K‡i, ‡m †ÿ‡Î wnmv‡ei cÖK„Z

myweav‡fvMx we‡ePbvq MÖvnK QvovI D³ e¨w³i cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e|

(3) hw` †Kvb cÖvwZôvwbK MÖvn‡Ki Dci †Kvb e¨w³i (GKK ev mw¤§wjZfv‡e) wbqš¿Y‡hvM¨ ¯̂v_© _v‡K †m †ÿ‡Î D³

e¨w³i cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e;

(4) ‡Kv¤úvbxi †ÿ‡Î wbqš¿YKvix †kqvi †nvìvi A_ev 20% ev Z`~aŸ© GKK †kqvi‡nvìvi‡K wnmv‡ei cÖK…Z

myweav‡fvMx we‡ePbvq Zvi/Zv‡ì cwiwPwZi mwVK I c~Y©v½ Z_¨ msMÖn I msiÿY Ki‡Z n‡e; Ges

(5) GQvovI wnmv‡ei cÖK…Z myweav‡fvMx we‡ePbvq Uªv‡÷i wbqš¿YKvix/wbqš¿YKvixM‡Yi cwiwPwZi cÖ‡qvRbxq Z_¨

msiÿY Ki‡Z n‡e |

4.3 Customer Due Diligence m¤úv`b Kiv m¤¢e bv n‡j cyuwR evRvi mswkøó cÖwZôvbmg~‡ni KiYxq t

MÖvn‡Ki Amn‡hvwMZvc~Y© AvPi‡Yi Kvi‡Y A_ev MÖvn‡Ki wel‡q msM„nxZ Z_¨/DcvË wbf©i‡hvM¨ bv n‡j A_©vr MÖvnK cwiwPwZi

m‡šÍvlRbK Z_¨ cÖvwß Ges Zv hvPvB mv‡c‡ÿ CDD m¤úv`b Kiv m¤¢e bv n‡j cyuwR evRvi mswkøó cÖwZôvbmg~n wb¤œiƒc eë¯’v

MÖnY Ki‡et

(1) D³iƒc MÖvnK‡K †mev cÖ`vb bv Kiv ev cÖ‡qvR‡b we`¨gvb ‡mev eÜ Kiv A_ev ‡Kvb eëmvwqK m¤úK© ¯’vcb bv

Kiv;

(2) we`¨gvb Giƒc ‡mev eÜ Kivi ‡ÿ‡Î EaŸ©Zb KZ©„c‡ÿi Aby‡gv`b MÖnY Kiv Ges ‡mev eÜ Kivi c~‡e© ‡mev

eÜKi‡Yi KviY D‡jøLc~e©K MÖvnK‡K †bvwUk cÖ`vb Kiv;

(3) †ÿÎgZ Giƒc MÖvn‡Ki wel‡q weGdAvBBD eive‡i m‡›`nRbK †jb‡`b wi‡cvU© `vwLj Kiv|

4.4 Enhanced Due Diligence t

cyuwR evRvi mswkøó cÖwZwU cÖwZôvb Zv‡ì MÖvnK ev eëmvwqK m¤úK© ¯ ’vcbKvix e¨w³i mKj RwUj, A¯̂vfvweK ev e„n`vs‡Ki

†jb‡`b (h_vh_ Avw_©K ev AvBbMZ D‡Ïk¨ Abycw¯’Z) wbqwgZfv‡e ch©‡eÿY Ki‡e| †hmKj †ÿ‡Î gvwbjÛvwis I mš¿v‡m

A_©vq‡bi SuywK AwaKZi g‡g© cÖZxqgvb n‡e †mme †ÿ‡Î cÖwZôvb‡K AwaKZi mZK©Zvg~jK eë¯’v (Enhanced Due

Diligence :EDD) m¤úv`b Ki‡Z n‡e| G‡ÿ‡Î EDD m¤úv`‡bi wbwg‡Ë cyuwR evRvi mswkøó cÖwZôvb¸‡jv CDD Gi

AwZwi³ wn‡m‡e wb¤œewY©Z wb‡ ©̀kbv AbymiY Ki‡et

(1) MÖvnK ev eëmvwqK m¤úK© ¯’vcbKvix e¨w³/mËvi m¤^‡Ü AwZwi³ Z_¨ ( †ckv, m¤ú‡ì cwigvY, B›Uvi‡bU ev

wewfbœ cvewjK WvUv‡eR n‡Z msM„nxZ Z_¨ BZ¨vw`) msMÖn Ki‡e Ges wbw`©ó ev wba©vwiZ weiwZ‡Z nvjbvMv`

Ki‡e;

(2) MÖvnK ev eëmvwqK m¤úK© ¯’vc‡bi D‡Ïk¨ m¤ú‡K© AwZwi³ Z_¨ msMÖnc~e©K wbwðZ n‡e;

(3) MÖvnK ev eëmvwqK m¤úK© ¯’vcbKvixi A‡_©i Drm ev m¤ú‡ì cwigvb m¤ú‡K© Z_¨ msMÖn Ki‡e;

(4) MÖvnK ev eëmvwqK m¤úK© ¯’vcbKvix KZ©„K m¤úvw`Z ev m¤úvw`Ze¨ †jb‡`b m¤úwK©Z Z_¨ msMÖn Ki‡e;

(5) Dchy³/EaŸ©Zb KZ©„c‡ÿi Aby‡gv`b mv‡c‡ÿ eëmvwqK m¤úK© ¯’vcb Ki‡e; Ges

(6) MÖvnK ev eëmvwqK m¤úK© ¯’vcbKvixi ‡jb‡`b/‡jb‡`bmg~n wbqwgZ I wbweofv‡e ch©‡eÿY Ki‡e Ges fwel¨Z

‡jb‡`b ch©‡eÿ‡Yi c×wZ wbav©iY Ki‡e|

4.5 mkix‡i Abycw ’̄Z ev `~ieZ©x MÖvn‡Ki ( Non face to face customer) †ÿ‡Î KiYxq t

cyuwR evRvi mswkøó cÖwZôvb Zv‡ì mkix‡i Abycw¯’Z ev ~̀ieZ©x MÖvnK‡K †mev cÖ`v‡bi †ÿ‡Î gvwbjÛvwis I mš¿vmx Kv‡h©

A_©vq‡bi SzuwK wbiƒcY Ges SzuwK wbim‡bi bxwZ I c×wZ cÖYqb Ki‡e Ges mg‡q mg‡q Zv ch©v‡jvPbv Ki‡e|

mkix‡i Abycw¯’Z ev `~ieZ©x MÖvnK ej‡Z H mKj MÖvnK‡K eySv‡e hviv cÖwZôv‡b mkix‡i Dcw¯’Z bv n‡q cÖwZôv‡bi G‡R‡›Ui

gva¨‡g ev wb‡Ri ‡ckv`vi cÖwZwbwai (AvBbRxex, GKvD‡›U›U BZ¨vw`) gva¨‡g ‡mev MÖnY K‡i _v‡K|

4.6 Politically Exposed Persons (PEPs) Gi †ÿ‡Î KiYxq t

cyuwR evRvi mswkøó cÖwZôvb¸‡jv Politically Exposed Persons (PEPs) Gi wnmve ‡Lvjv I wnmve cwiPvjbvi †ÿ‡Î G

mvK©yjv‡ii 4.1, 4.2, 4.3 I 4.4 b¤̂i Aby‡”Q‡` ewY©Z wb‡ ©̀kbv Abymi‡Yi cvkvcvwk wb‡gœi wb‡ ©̀kbvmg~n AbymiY Ki‡Z n‡e t

K. MÖvn‡Ki cÖK…Z myweav‡fvMx PEPs wKbv Zv wbav©i‡Yi Dchy³ c×wZ cÖeZ©b Kiv; L. Dchy³ EaŸ©Zb KZ©„c‡ÿi Aby‡gv`b mv‡c‡ÿ PEPs Gi mv‡_ eëmvwqK m¤úK© ¯’vcb Kiv;

M. ‡Kvb PEP Gi wnmv‡ei A_© ev m¤ú‡ì Drm Rvbvi Rb¨ h‡_vchy³ eë¯’v M ÖnY Kiv; N. Zv‡ì wnmv‡ei †jb‡`b wbqwgZfv‡e gwbUi Kiv; Ges

O. Foreign Exchange Regulation Act, 1947 I Gi AvIZvq evsjv‡`k e¨vsK KZ©„K RvixK…Z Awbevmx‡ì

wnmve †Lvjv msµvšÍ hveZxq wewaweavb h_vixwZ cwicvjb Kiv|

D‡jøL¨, Politically Exposed Persons (PEPs) ej‡Z Òindividuals who are or have been entrusted with

prominent public functions by a foreign country, for example Heads of State or of government,

senior politicians, senior government, judicial or military officials, senior executives of state owned

corporations, important political party officialsÓ ‡K eySv‡e| PEPs Gi cwiev‡ii m`m¨ I Zv‡ì mv‡_ wbweofv‡e m¤úwK©Z e¨w³i (close associates) ‡ÿ‡ÎI Dc‡iv³ wb‡ ©̀kbvmg~n

cÖ‡hvR¨ n‡e| Z‡e G Aby‡”Q‡` DwjøwLZ ÔPEPsÕ wn‡m‡e †Kvb ga¨g ev Aa¯Íb (Middle ranking or more junior

individuals) ch©v‡qi e¨w³ we‡ewPZ n‡eb bv|

4.7 cÖfvekvjx e¨w³i (Influential Persons) †ÿ‡Î KiYxq t

cyuwR evRvi mswkøó cÖwZôvb¸‡jv‡K Zv‡ì MÖvnK ev wnmv‡ei cÖK…Z myweav‡fvMx cÖfvekvjx †Kvb e¨w³ wKbv Zv wba©viY Ki‡Z

n‡e| G ai‡Yi MÖvn‡Ki mv‡_ eëmvwqK m¤úK© SuywKc~Y© cÖZxqgvb n‡j 4.1, 4.2 I 4.3 b¤î Aby‡”Q‡` ewY©Z wb‡ ©̀kbv

Abymi‡Yi cvkvcvwk Aby‡”Q` 4.6 Gi L n‡Z O µwg‡K ewY©Z wb‡ ©̀kbv cwicvjb Ki‡Z n‡e|

D‡jøL¨, cÖfvekvjx e¨w³ ej‡Z Òindividuals who are or have been entrusted domestically with prominent

public functions, for example Head of State or of government, senior politicians, senior

government, judicial or military officials, senior executives of state owned corporations, important

political party officialsÓ ‡K eySv‡e|

cÖfvekvjx †Kvb e¨w³i †ÿ‡Î cÖ‡hvR¨ wb‡ ©̀kbv Zv‡ì cwiev‡ii m`m¨ I Zv‡ì mv‡_ wbweofv‡e m¤úwK©Z e¨w³i (close

associates) ‡ÿ‡ÎI cÖ‡hvR¨ n‡e| Z‡e G Aby‡”Q‡` DwjøwLZ ÔcÖfvekvjx e¨w³Õ wn‡m‡e †Kvb ga¨g ev Aa¯Íb (Middle

ranking or more junior individuals) ch©v‡qi e¨w³ we‡ewPZ n‡eb bv|

4.8 AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi †ÿ‡Î KiYxq t

cyuwR evRvi mswkøó cÖwZôvb¸‡jv‡K Zv‡ì MÖvnK ev wnmv‡ei cÖK…Z myweav‡fvMx †Kvb AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi

Kg©KZ©v wKbv Zv wba©viY Ki‡Z n‡e| G ai‡Yi MÖvn‡Ki mv‡_ eëmvwqK m¤úK© ’̄vcb SuywKc~Y© cÖZxqgvb n‡j 4.1, 4.2 I 4.3

b¤î Aby‡”Q‡` ewY©Z wb‡ ©̀kbv Abymi‡Yi cvkvcvwk Aby‡”Q` 4.6 Gi L n‡Z O µwg‡K ewY©Z wb‡`©kbv cwicvjb Ki‡Z n‡e|

D‡jøL¨, AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©v ej‡Z Òpersons who are or have been entrusted with a prominent function by an international organization refers to members of senior management, i.e.

directors, deputy directors and members of the board or equivalent functionsÓ ‡K eySv‡e|

AvšÍR©vwZK ms¯’vi cÖavb ev D”P ch©v‡qi Kg©KZ©vi †ÿ‡Î cÖ‡hvR¨ wb‡ ©̀kbv Zv‡ì cwiev‡ii m`m¨ I Zv‡ì mv‡_ wbweofv‡e

m¤úwK©Z e¨w³i (close associates) ‡ÿ‡ÎI cÖ‡hvR¨ n‡e| Z‡e G Aby‡”Q‡` DwjøwLZ ÔAvšÍR©vwZK ms¯’vi cÖavbÕ ev ÔD”P

ch©v‡qi Kg©KZ©vÕ wn‡m‡e †Kvb ga¨g ev Aa¯Íb (Middle ranking or more junior individuals) ch©v‡qi e¨w³ we‡ewPZ

n‡eb bv|

5| bZzb ‡mev ev cÖhyw³ (New Service or Technology) MÖn‡Yi †ÿ‡Î KiYxq t

cyuwR evRvi mswkøó cÖwZôvbmg~n KZ©„K cÖhyw³ wbf©i bZzb †Kvb ‡mev ev c×wZ cÖPjb ev cÖPwjZ †mev ev c×wZi Dbœq‡bi †ÿ‡Î

mswkøó cÖwZôvb D³ ‡mev ev c×wZ cÖeZ©‡b gvwbjÛvwis I mš¿vmx Kv‡h© A_©vq‡b SzuwK i‡q‡Q wKbv Zv wPwýZ Ki‡e, SzuwKi gvÎv

wbiƒcY Ki‡e Ges Giƒc ‡mev ev c×wZ n‡Z m„ó SuywK †gvKv‡ejvi Rb¨ h_vh_ eë¯’v MÖnY Ki‡e|

6| ‡jb‡`b gwbUwis t

(1) cyuwR evRvi mswkøó cÖwZôvbmg~n MÖvn‡Ki †jb‡`b wbqwgZ gwbUi Ki‡e|

(2) mKj RwUj, ¯^vfvwe‡Ki Zzjbvq AmvgÄm¨c~Y© Ges AvcvZ`„wó‡Z †h mKj †jb‡`‡bi ‡Kvb Avw_©K ev `„wóMÖvn¨

•ea D‡Ïk¨ †bB Giƒc †jb‡`b AwaKZi ¸iæZ¡ mnKv‡i gwbUi Ki‡Z n‡e |

(3) wbw`©ó mgq AšÍi AšÍi MÖvn‡Ki SzuwK ch©v‡jvPbv Kivi Rb¨ GKwU Kvh©Ki c×wZ/eë¯’v MªnY Ki‡Z n‡e Ges †m

Abyhvqx D”P SuywKm¤úbœ wn‡m‡e †kÖYxK…Z MÖvn‡Ki †ÿ‡Î AwaKZi mZK©Zvg~jK eë¯’v ev Enhanced Due

Diligence (EDD) Aej¤^b Ki‡Z n‡e|

7| m‡›`nRbK †jb‡`b wi‡cvU© (Suspicious Transaction Report-STR) t

(1) gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi 25(1)(N) aviv Ges mš¿vm we‡ivax AvBb, 2009 Gi 16(1) avivq

ewY©Z wb‡`©kbv ev Í̄evq‡bi wbwg‡Ë cyuwR evRvi mswkøó cÖwZwU cÖwZôv‡bi mKj Kg©KZ©v •`bw›`b †jb‡`b ev

Kvh©µ‡g m‡›`nRbK †jb‡`b mbv³Ki‡Y m‡PZb I mZK© _vK‡eb|

(2) m‡›`nRbK †jb‡`b mbv³Ki‡Y cÖwZôv‡bi Kg©KZ©vMY gvwbjÛvwis cÖwZ‡iva AvBb, 2012 Gi 2(h) aviv Ges

mš¿vm we‡ivax AvBb, 2009 Gi 2(16) avivq ewY©Z msÁv we‡ePbv Ki‡eb|

(3) cÖ‡hvR¨‡ÿ‡Î, cyuwR evRvi mswkøó cÖwZôvbmg~‡ni kvLvi ‡h †Kvb Kg©KZ©v KZ…©K m‡›`nRbK †jb‡`b ev Kvh©µg

wPwýZ nIqvi mv‡_ mv‡_ Zv kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v‡K (BAMLCO) wjwLZfv‡e

AewnZ Ki‡Z n‡e| kvLv gvwbjÛvwis cÖwZ‡iva cwicvjb Kg©KZ©v wi‡cvU©K…Z †jb‡`b ev Kvh©µg Awej‡¤̂

h_vh_fv‡e we‡kølY Ki‡eb Ges ch©‡eÿYmg~n wek`fv‡e wjwce× Ki‡eb| ewY©Z †jb‡`b ev Kvh©µgwU

we‡kølYc~e©K Zv m‡›`nRbK wn‡m‡e we‡ewPZ n‡j Awej‡¤̂ gšÍe¨mn cÖ‡qvRbxq `wjjvw` †K›`ªxq cwicvjb

BDwb‡U ‡cÖÖiY Ki‡eb Ges m‡›`nRbK wn‡m‡e we‡ewPZ bv n‡j gšÍe¨mn kvLvq msiÿY Ki‡Z n‡e|

(4) †K›`ªxq cwicvjb BDwbU kvLv n‡Z cÖvß m‡›`nRbK †jb‡`b ev Kvh©µgwU h_vh_fv‡e I cÖ‡qvRbxq Z_¨-DcvË

ev `wjjvw` mwbœ‡ewkZ K‡i wi‡cvU© Kiv n‡q‡Q wKbv Zv ch©v‡jvPbv K‡i goAML Manual Gi wb‡`©kbv

Abymv‡i Awej‡¤̂ goAML web eënvi K‡i m‡›`nRbK †jb‡`b wi‡cvU© ‡cªi‡Yi cvkvcvwk Ôcwiwkó-LÕ †Z

mshy³ dig eënvi K‡i cÖ‡qvRbxq Z_¨-DcvË ev `wjjvw`mn weGdAvBBD eivei m‡›`nRbK †jb‡`b wi‡cvU©

`vwLj Ki‡e|

(5) cyuwR evRvi mswkøó cÖwZôvbmg~n wi‡cvU©K…Z m‡›`nRbK †jb‡`b msµvšÍ Z_¨vw` weGdAvBBD KZ©„K cieZ©x

wb‡ ©̀kbv bv †`qv ch©šÍ msiÿY Ki‡e|

(6) m‡›`nRbK †jb‡`b ev Kvh©µg mbv³KiY ev wi‡cvU© Kivi mv‡_ mswkøó Kg©KZ©vMY welqwUi †MvcbxqZv wbwðZ

Ki‡eb|

(7) kvLv ch©v‡q †Kvb †jb‡`b ev Kvh©µg m‡›`nRbK wn‡m‡e wPwýZ bv n‡jI †K›`ªxq cwicvjb BDwbU KZ…©K †Kvb

†jb‡`b ev Kvh©µg m‡›`nRbK cÖZxqgvb n‡j Aby‡”Q` 7(4) †gvZv‡eK m‡›`nRbK †jb‡`b wi‡cvU©

weGdAvBBD eivei `vwLj Ki‡Z n‡e|

(8) cÖwZôvb KZ…©K lvb¥vwmK wfwË‡Z mgvß lvb¥vwm‡Ki wi‡cvU©K…Z mKj m‡›`nRbK †jb‡`b wi‡cv‡U©i GKwU mvivsk

mswkøó lvb¥vwmK †kl nIqvi cieZ©x gv‡mi 15 Zvwi‡Li g‡a¨ BZtc~‡e© RvixK…Z MvBWjvB‡Ý DwjøwLZ QK

†gvZv‡eK gnveë¯’vcK, evsjv‡`k dvBb¨vwÝqvj B‡›Uwj‡RÝ BDwbU, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv Gi

eive‡i †cÖiY Ki‡Z n‡e| D‡jøL¨, mswkøó lvb¥vwm‡K †Kvb m‡›`nRbK †jb‡`b wi‡cvU© bv Ki‡jI k~b¨ weeiYx

`vwLj Ki‡Z n‡e|

8| Self Assessment Ges Independent Testing Procedures t

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iv‡a GKwU Kvh©Kix eë¯’v cÖwZôvi j‡ÿ¨ cyuwR evRvi mswkøó cÖwZwU cÖwZôvb wbR¯̂

gvwbjÛvwis cÖwZ‡iva Kvh©µ‡gi h_v_©Zv hvPvB‡qi Rb¨ cwiwkó ÒMÓ G mshy³ †PKwj÷ †gvZv‡eK Aa©evwl©K wfwË‡Z

(Rvbyqvwi-Ryb I RyjvB- wW‡m¤î) Self Assessment Kvh©µg cwiPvjbv Ki‡e| †K› ª̀xq cwicvjb BDwbU cÖavb Kvh©vjqmn

mKj kvvLvi (cÖ‡hvR¨ ‡ÿ‡Î) Self Assessment Kvh©µg n‡Z cÖvß djvd‡ji GKwU mvims‡ÿc cÖwZôv‡bi cÖavb wbev©nx I

Aci GKwU Kwc cieZx© gv‡mi 15 Zvwi‡Li g‡a¨ weGdAvBBD eive‡i †cÖiY Ki‡e| GQvovI, cÖ‡hvR¨ †ÿ‡Î, cÖwZôv‡bi

Af¨šÍixY wbixÿv wefv‡Mi gva¨‡g Independent Testing Procedures h_vh_fv‡e m¤úbœ Ki‡e| GKvwaK kvLv m¤^wjZ

cÖwZôv‡bi †ÿ‡Î, gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iv‡a we`¨gvb AvBb, wewagvjv, weGdAvBBD Gi wb‡ ©̀kbv Ges G welqK

wbR¯ ̂bxwZgvjv m¤ú‡K© mg¨K Ávb i‡q‡Q Ggb e¨w³‡ì mgš‡̂q Af¨šÍixY wbixÿv wefv‡M ch©vß ‡jvKej wbwðZ Ki‡Z n‡e|

8.1. Af¨šÍixY wbixÿv wefv‡Mi KiYxq t

(1) Af¨šÍixY wbixÿv wefvM Independent Testing Procedures Kvh©µg m¤úv`‡bi Rb¨ cwiwkó ÒMÓ G

mshy³ †PKwj÷ Gi wfwË‡Z mswkøó kvLvi gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva Kvh©µg mswkøó welqvw`

cixÿv Ki‡e|

(2) Af¨šÍixY wbixÿv wefvM cwi`wk©Z/wbixwÿZ kvLvmg~‡ni †iwUs m¤^wjZ cÖwZ‡e`‡bi Kwc cÖwZôv‡bi †K› ª̀xq

cwicvjb BDwbU eive‡i †cÖiY Ki‡e|

8.2. †K›`ªxq cwicvjb BDwb‡Ui KiYxq t

†K›`ªxq cwicvjb BDwbU cÖwZôv‡bi Af¨šÍixY wbixÿv wefvM KZ©„K `vwLjK…Z cwi`k©b/wbixÿv cÖwZ‡e`‡bi Dci wfwË K‡i

we‡eP¨ lvb¥vwm‡K cwi`wk©Z kvLvmg~‡ni †PKwj÷ wfwËK g~j¨vqb cÖwZ‡e`b cÖ¯‘Z Ki‡e| D³ cÖwZ‡e`‡b Ab¨vb¨ wel‡qi mv‡_

Avewk¨Kfv‡e wb‡gœi welqmg~n AšÍf©y³ _vK‡e t

K. wi‡cvU©Kv‡j Af¨šÍixY wbixÿv wefvM KZ©„K cwi`wk©Z/wbixwÿZ kvLvmg~‡ni Ae¯’v;

L. Af¨šÍixY wbixÿv wefvM KZ©„K `vwLjK…Z cÖwZ‡e`‡b DwjøwLZ mvaviY I we‡kl Awbqgmg~n; Ges

M. cÖavb Kvh©vj‡qi/kvLvi (cÖ‡hvR¨ †ÿ‡Î) Self Assessment Kvh©µg n‡Z cÖvß djvd‡ji mv‡_ Af¨šÍixY

wbixÿv wefvM KZ©„K `vwLjK…Z cwi`k©b/wbixÿv cÖwZ‡e`‡bi mgš̂q mvab Ges fwel¨Z Kg©cwiKíbv wba©viY|

9| mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva (Prevention of Financing of

Terrorism and Financing of Proliferation of Weapons of Mass Destruction) t

(1) cyuwR evRvi mswkøó cÖwZwU cÖwZôvb cwiPvjbv cl©‡ì Aby‡gv`bµ‡g mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A ¿̄

we¯Ívi msµvšÍ Kvh©µ‡g AskMÖnYKvix e¨w³ ev cÖwZôv‡bi wnmve cwiPvjbvi cÖwZ‡iva I mbv³ Kivi j‡ÿ¨ GKwU

Kvh©Ki c×wZ cÖwZôv Ki‡e, cÖwZôv‡bi Kg©KZ©v‡ì `vq`vwqZ¡ m¤úwK©Z wb‡ ©̀kbv Rvix Ki‡e, mg‡q mg‡q Zv

ch©v‡jvPbv Ki‡e Ges weGdAvBBD KZ…©K RvixK…Z wb‡ ©̀kbv h_vh_fv‡e cwicvjb Kiv n‡”Q wKbv Zv wbwðZ

Ki‡e|

(2) cyuwR evRvi mswkøó cÖwZwU cÖwZôvb G mvKz©jv‡ii 2(2) G msÁvwqZ RvwZms‡Ni wbivcËv cwil‡ì wewfbœ

†iRyjyk‡bi AvIZvq mš¿vm, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A ¿̄ we¯Ívi msµvšÍ A_©vq‡b RwoZ m‡›`‡n

ZvwjKvfy³ †Kvb e¨w³ ev mËv Ges evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ‡Kvb e¨w³ ev wbwl× †NvwlZ mËvi

nvjbvMv` Z_¨ B‡j±ªwbK c×wZ‡Z msiÿY Ki‡e|

(3) cyuwR evRvi mswkøó cÖwZwU cÖwZôvb RvwZms‡Ni wbivcËv cwil‡ì †Kvb †iRyjyk‡bi AvIZvq ev evsjv‡`k miKvi

KZ©„K ZvwjKvfz³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËvi bv‡g A_ev cÖZ¨ÿ ev c‡ivÿfv‡e Zv‡ì

wbqš¿Yvaxb/¯^v_©mswkøó †Kvb e¨w³ ev mËv MÖvnK wn‡m‡e i‡q‡Q wKbv ev †Kvb †jb‡`b msNwUZ n‡q‡Q wKbv Zv

wPwýZ Kivi Rb¨ wbqwgZ ‡jb‡`b gwbUi Ki‡e Ges cÖ‡qvR‡b †jb‡`b ch©v‡jvPbv Ki‡e| ZvwjKvfz³ ev wbwl×

†NvwlZ †Kvb e¨w³ ev mËv A_ev cÖZ¨ÿ ev c‡ivÿfv‡e Zv‡ì wbqš¿Yvaxb/¯^v_©mswkøó †Kvb e¨w³ ev mËv MÖvnK

wn‡m‡e wPwýZ nIqvi mv‡_ mv‡_ mswkøó cÖwZôvb D³ MÖvn‡Ki ‡jb‡`b, †mev cÖ`vb ev Payment

¯’wMZKiYc~e©K cieZx© Kg© wè‡mi g‡a¨ weGdAvBBD‡K AewnZ Ki‡e|

(4) cyuwR evRvi mswkøó cÖwZwU cÖwZôvb RvwZms‡Ni wbivcËv cwil` KZ…©K M„nxZ †iRyjykb 1373 (2001) Gi

AvIZvq we‡`kx miKvi ev we‡`kx GdAvBBD Gi Aby‡iv‡a weGdAvBBD n‡Z hvwPZ ev D³ †iRyjyk‡bi

AvIZvq evsjv‡`k miKvi KZ©„K ZvwjKvfy³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËv MÖvnK wn‡m‡e i‡q‡Q wKbv Zv

wPwýZ Kivi Rb¨ wbqwgZ ‡jb‡`b/wnmv‡ei Kvh©µg gwbUi Ki‡e Ges cÖ‡qvR‡b ‡jb‡`b/wnmv‡ei Kvh©µg

ch©v‡jvPbv Ki‡e| ZvwjKvfz³ ev wbwl× †NvwlZ †Kvb e¨w³ ev mËv MÖvnK wn‡m‡e wPwýZ nIqvi mv‡_ mv‡_

mswkøó cÖwZôvb D³ MÖvn‡Ki ‡jb‡`b, †mev cÖ`vb ev Payment ¯’wMZKiYc~e©K cieZx© Kg© wè‡mi g‡a¨

weGdAvBBD‡K AewnZ Ki‡e|

10| wb‡qvM I cÖwkÿY t

10.1 wb‡qvM t

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wb‡qvM cÖwµqvq h_vh_ hvPvB cÖwµqv (Screening Mechanism) AbymiY Ki‡e hv‡Z †Kvb ¯Í‡ii Kg©KZ©vi gva¨‡g cÖwZôvb

G ai‡Yi SuzwKi m¤§yLxb bv nq|

10.2 cÖwkÿY- Kg©KZ©v t

gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i we¯Ív‡i A_©vqb cÖwZ‡iva Kvh©µ‡gi h_vh_ cwicvjb wbwðZ Kivi

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mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡ ¿̄i we¯Ív‡i A_©vqb cÖwZ‡iva mswkøó wel‡q Dchy³ cÖwkÿY cÖ`v‡bi eë¯’v Ki‡e

Ges G msµvšÍ Z_¨ I `wjjvw` msiÿY Ki‡e|

10.3 cÖwkÿY- MÖvnK t

(1) cyuwR evRvi mswkøó cÖwZwU cÖwZôvb Zv‡ì MÖvnK‡ì ‡mev cÖ`v‡bi cÖv°v‡j hvwPZ wewfbœ Z_¨ mwbœ‡ek I `wjjvw`

`vwL‡ji †h․w³KZvi wel‡q AewnZ Ki‡e Ges gvwbjÛvwis, mš¿vmx Kv‡h© A_©vqb I e¨vcK aŸsmvZ¥K A‡¯¿i

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cÖwZwU kvLvi (cÖ‡hvR¨ †ÿ‡Î) „̀k¨gvb ¯’v‡b G welqK †cv÷vi ¯’vc‡bi eë¯’v Ki‡e|

11| ‡iKW© Ges cÖ‡qvRbxq Z_¨/`wjjvw` msiÿY t

(1) MÖvnK msµvšÍ mKj cÖ‡qvRbxq Z_¨ ev `wjjvw` MÖvnK ‡mev/eëmvwqK m¤úK© eÜ nIqvi ZvwiL n‡Z Ab~¨b

5(cuvP) ermi ch©šÍ msiÿY Ki‡Z n‡e;

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†Kvb MÖvn‡Ki wel‡q †Kvb cÖwZ‡e`b cÖYxZ n‡j G mKj Z_¨vw`/`wjjvwÌ MÖvn‡Ki ‡mev eÜ nIqvi ZvwiL n‡Z

Ab~¨b 5 (cuvP) ermi ch©šÍ msiÿY Ki‡Z n‡e|

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n‡Z n‡e|

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`wjjvw` weGdAvBBD Gi Pvwn`v ev wb‡`©kbv †gvZv‡eK cÖwZôvbmg~n mieivn Ki‡e|

12| cyuwR evRvi mswkøó cÖwZôv‡bi Rb¨ BZtc~‡e© RvixK…Z wb‡¤œv³ mvKz©jvi/mvKz©jvi ‡jUvimg~‡ni wb‡ ©̀kbv ejer _vK‡et

mvKz©jvi/mvKz©jvi †jUvi bs Rvixi ZvwiL welq

weGdAvBBD mvKz©jvi bs-02 15 gvP©, 2012 gvwbjÛvwis cÖwZ‡iva AvBb, 2012 I mš¿vm we‡ivax

(ms‡kvab) AvBb, 2012 Rvix cÖm‡½|

weGdAvBBD mvKz©jvi bs-07 14 RyjvB, 2013 mš¿vm we‡ivax (ms‡kvab) AvBb, 2013 Rvix cÖm‡½|

weGdAvBBD mvK©yjvi ‡jUvi

bs-03/2015 09 GwcÖj, 2015 gvwbjÛvwis cÖwZ‡iva wewagvjv, 2013 Ges mš¿vm

we‡ivax wewagvjv, 2013 cÖm‡½

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we‡ewPZ n‡e| GQvovI, G mvKz©jv‡i ewY©Z wb‡ ©̀kbvi wek` e¨vL¨vi †ÿ‡Î weMZ 30/12/2012 Zvwi‡L weGdAvBBD mvKz©jvi-6

Gi gva¨‡g RvixK…Z MvBWjvB‡Ýi weavbvejxI AbymiY Ki‡Z n‡e|

G mvKz©jv‡ii wb‡ ©̀kbvmg~n Awej‡¤̂ Kvh©Ki n‡e|

Avcbv‡ì wek¦¯Í,

ms‡hvRbx t †gvU 7 (mvZ) c„ôv|

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gnveë¯’vcK

‡dvbt 9530118

cÖwZwjwc bs- weGdAvBBD (cwjwm) 03/2012- ZvwiL : DwjøwLZ

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(‡R¨ôZvi µg Abyhvqx bq)

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2. ‡Pqvig¨vb evsjv‡`k wmwKDwiwUR G·‡PÄ Kwgkb, Rxeb exgv UvIqvi, 10 w`jKzkv, XvKv|

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6. ‡Pqvig¨vb/eë¯’vcbv cwiPvjK, XvKv ÷K G·‡PÄ wjt, 9/Gd, gwZwSj, XvKv|

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13. †Pqvig¨vb, G‡mvwm‡qkb Ae e¨vsKvm©, evsjv‡`k, B÷vb© Kgvwk©qvj Kg‡cø·, 73, KvKivBj, XvKv|

14. cÖavb wbev©nx Kg©KZv©, mKj Zdwmjx e¨vsK I mKj Avw_©K cÖwZôvb|

15. wbe©vnx cwiPvjK, Mfb©i g‡nv`‡qi mwPevjq, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|

16. Mfb©i g‡nv`‡qi e¨w³MZ Kg©KZ©v, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv| 17. †WcywU Mfb©i g‡nv̀ qM‡Yi mv‡_ mshy³ Dc-cwiPvjK/mnKvix cwiPvjK, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|

18. A_©‣bwZK Dc‡`óv/wbe©vnx cwiPvjK g‡nv`qM‡Yi e¨w³MZ mnKvix, evsjv‡`k e¨vsK, cÖavb Kvh©vjq, XvKv|

19. gnvcwiPvjK, evsjv‡`k Bbw÷wUDU Ae e¨vsK g¨v‡bR‡g›U, wgicyi, XvKv|

20. gnvmwPe, ẁ Bbw÷wUDU Ae e¨vsKvm© evsjv‡`k, weGmAviGm feb, 10g Zjv, 12, KvIivb evRvi, †ZRMuvI, XvKv|

21. wcÖwÝcvj, evsjv‡`k e¨vsK cÖwkÿY GKv‡Wgx, wgicyi, XvKv|

(‡gvt gvmy` ivbv)

Dc cwiPvjK

†dvb : 9530010-75/2475

cwiwkó-ÔKÕ

Mªvn‡Ki cwiwPwZ cÖwZôvi Rb¨ cÖ‡qvRbxq Z_¨vwì wb‡ ©̀kK ZvwjKv|

cyuwRevRvi mswkøó cÖwZwU cÖwZôvb wnmve †Lvjvi AeëwnZ ciB MÖvn‡Ki cwiwPwZi GKwU c~Yv©½ ‡cÖvdvBj •Zix Ges Zv

h_vh_fv‡e msiÿY Ki‡e| cÖwZôvbmg~n KZ©„K cÖ¯‘ZK…Z MÖvn‡Ki cwiwPwZi GBiƒc Z_¨vejx MÖvn‡Ki †jb‡`b gwbUwis

(Transaction Monitoring) Gi wfwË wn‡m‡e we‡ewPZ n‡e| MÖvn‡Ki cwiwPwZi GKwU c~Yv©½ ‡cÖvdvBj •Zixi ‡ÿ‡Î wnmve †Lvjvi di‡g MÖvnK cÖ`Ë Z_¨, MÖvnK KZ©„K mieivnK…Z wewfbœ WKz‡g›U Ges cÖ‡hvR¨ †ÿ‡Î MÖvn‡Ki e¨w³MZ

mvÿvrKv‡ii (personal interview) Dci ¸iæZ¡ Av‡ivc Kiv †h‡Z cv‡i| MÖvn‡Ki mwVK cwiwPwZ cÖwZôvi wel‡q c~Y© mš‘wó wbwðZ Kivi Rb¨ wb‡¤œv³ Z_¨ I mswkøó KvMRcÎmn mKj Z_¨vw` Ges/A_ev AwZwi³ †h †Kvb cÖvmw½K Z_¨vwì

mwbœ‡ek _vK‡Z n‡et

1) MÖvn‡Ki e¨w³MZ Z_¨vw` (†hgbt bvg, wcZv-gvZv/¯^vgx-¯¿xi bvg, eZ©gvb I ¯’vqx wVKvbv, Rb¥ ZvwiL, TIN b¤̂i (hw` _v‡K)|

2) †hvMv‡hv‡Mi we¯ÍvwiZ weeiY (†Uwj‡dvb b¤̂i,†gvevBj b¤î, B-‡gBj BZ¨vw`)|

3) cvm‡cvU© /RvZxq cwiPqcÎ /Rb¥ wbeÜb mb` Ges Qwehy³ AvBwW KvW©|

4) MÖvn‡Ki †ckvi we Í̄vwiZ eY©bv|

5) MÖvnK KZ©„K ‡jb‡`bK…Z A‡_©i cÖK…Z Drm (Source of Fund)|

6) MÖvnK cwiPvwjZ wnmve/‡jb‡`‡bi cÖK…Z myweav‡fvMx (Beneficial Owner) msµvšÍ Z_¨vejx|

Ae¨w³K MÖvn‡Ki †ÿ‡Î mwVK cwiwPwZ cÖwZôvi wbwg‡Ë wb‡¤œv³ cÖvmw½K Z_¨vwì mwbœ‡ek _vK‡Z n‡et

1) e¨w³ gvwjKvaxb cÖwZôvb t †UªW jvB‡mÝmn wnmve cwiPvjbvKvixi (cÖwZôv‡bi ¯̂Z¡vwaKvixi) wel‡q e¨w³MZ

Z_¨vejx h_vh_fv‡e msMÖn Ki‡Z n‡e|

2) cvU©bvikxc t cvU©bvikxc wWW, †UªW jvB‡mÝmn Askx`viM‡Yi cwiwPwZi wel‡q cÖ‡Z¨K cvU©bvi/‡kqvi‡nvìv‡ii e¨w³MZ Z_¨vejx h_vh_fv‡e msMÖn Ki‡Z n‡e|

3) wjwg‡UW †Kv¤úvbx t mvwU©wd‡KU Ae BbK‡c©v‡ikb, AvwU©‡Kjm Ae G‡mvwm‡qkb, †g‡gv‡iÛvg Ae G‡mvwm‡qkb,

†ev‡W©i mfvq M„nxZ AvbyôvwbK wm×všÍ (resolution), cwiPvjK m¤úwK©Z †NvlYv Ges wnmve cwiPvjbvKvix ev wnmv‡ei myweav‡fvMx we‡ePbvq cÖ‡Z¨K cwiPvj‡Ki/‡kqvi‡nvìv‡ii e¨w³MZ Z_¨vejx h_vh_fv‡e msMÖn Ki‡Z

n‡e| (†Kv¤úvbx ev Gi cwiPvjKMY mswkøó Z_¨vwì mwVKZv hvPvB‡qi j‡ÿ¨ cÖ‡qvR‡b †iwR÷ªvi Ae R‡q›U

÷K †Kv¤úvbxR GÛ dvg©m& Gi mvnvh¨ MÖnY Kiv †h‡Z cv‡i| evsjv‡`‡ki evB‡i wbewÜZ †Kv¤úvbxi †ÿ‡Î

wbeÜb `wjjvw` †h ¯’vb n‡Z Bmy¨K…Z n‡q‡Q, cÖ‡qvR‡b ‡mLv‡b †hvMv‡hvM K‡i `wjjvwì h_v_©Zv m¤ú‡K© wbwðZ

nIqv ‡h‡Z cv‡i)|

4) miKvix wnmve (wewfbœ gš¿Yvjq, wefvMmn), miKvix gvwjKvbvaxb cÖwZôvb, Avav miKvix ev ¯^vqËkvwmZ

cÖwZôv‡bi wnmve, wewfbœ gš¿Yvj‡qi Aax‡b cwiPvwjZ cÖK‡íi wnmve t wnmve †Lvjv I cwiPvjbvi Rb¨ mswkøó

Dchy³ KZ©„cÿ KZ©„K cÖ`Ë AbygwZ cÎmn wnmve cwiPvjbvKvix/wnmv‡ei cÖK…Z myweav‡fvMxi e¨w³MZ Z_¨vejx

h_vh_fv‡e msMÖn Ki‡Z n‡e|

5) Ab¨vb¨ msMV‡bi wnmve t

K) K¬ve/†mvmvBwU t Awdm Kg©KZ©vM‡Yi weeiY (office bearers), evB-jR ev msweavb, †iwR÷vW© n‡j miKvix Aby‡gv`bcÎ BZ¨vw`mn mswkøó wnmve cwiPvjbvKvix/wnmv‡ei cÖK…Z myweav‡fvMxi e¨w³MZ Z_¨vejx

h_vh_fv‡e msMÖn Ki‡Z n‡e|

L) mgevq mwgwZ/wjwg‡UW †mvmvBwU t †Kv-Acv‡iwUf Kg©KZ©v KZ©„K mZ¨vwqZ evB-jR, Awdm Kg©KZ©v‡ì

(office bearers) weeiY, wnmve ‡Lvjvi wel‡q wm×všÍ (resolution), mvwU©wd‡KU Ae †iwR‡÷ªkb

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n‡e|

M) ‡emiKvix ¯‹zj, K‡jR, gv`ªvmv t Mfwb©s ewW ev g¨v‡bwRs KwgwUi m`m¨M‡Yi c~Y© cwiwPwZ, wnmve ‡Lvjvi

wel‡q wm×všÍ (resolution) BZ¨vw`mn mswkøó wnmve cwiPvjbvKvix/wnmv‡ei cÖK…Z myweav‡fvMxi e¨w³MZ Z_¨vejx h_vh_fv‡e msMÖn Ki‡Z n‡e

N) Uªvw÷ t wWW Ae Uªv÷ Gi mvwU©dvBW Kwc, Uªvwó †evW© Gi m`m¨M‡Yi c~Y© cwiwPwZ, wnmve ‡Lvjvi wel‡q wm×všÍ

(resolution) BZ¨vw`mn mswkøó wnmve cwiPvjbvKvix/wnmv‡ei cÖK…Z myweav‡fvMxi e¨w³MZ Z_¨vejx h_vh_fv‡e msMÖn Ki‡Z n‡e|

cwiwkó- L

Suspicious Transaction Report (STR)

(Individual/joint Client)

A. Reporting Institution :

1. Name of the Institution:

2. Name of the Branch:

B. Details of Report:

1. Date of sending report:

2. Is this the addition of an earlier report?

Yes No

3.If yes, mention the date of previous report

C. Suspect Account Details :

1. BO Account Number:

2. Folio Number/Client Code:

3. Name of the account:

4. Nature of the account:

(Margin/Non Margin/Portfolio/other, pls. specify)

5. Nature of ownership:

(Individual/proprietorship/partnership/company/other, pls. specify)

6.Date of opening:

7. Address:

D. Account holder details (in case of Individual):

1. 1. Name of the account holder:

2. Address:

3. Profession (in details):

4. Nationality:

5. Other account(s) number (if any):

6. Other business:

7. Father’s name:

8. Mother’s Name:

9. Date of birth:

10. Contact: Mobile No/Email.

11. Bank account details:

12. TIN:

2. 1. Name of the account holder: (if joint/multiple)

2. Relation with the account holder mention in sl. no. D1

3. Address:

4. Profession:

5. Nationality:

6. Other account(s) number(if any):

7. Other business:

8. Father’s name:

9. Mother’s Name:

10. Date of birth:

11. Contact: Mobile No/Email:


12. TIN:

E. Introducer Details :

1. Name of introducer:

2. BO and Client Code number:

3.Relation with account holder:

4. Address:

5. Date of opening:

6. Whether introducer is active/inactive client

F. Reasons for considering the transaction(s) as unusual/suspicious?

(Mention summary of suspicion and consequence of events)

(Use separate sheet if needed) a. Identity of clients

b. Activity in account

c. Background of client

d. Multiple accounts

e. Nature of transaction

f. Value of transaction

g. Other reason (Pls. Specify)

F. Name of the associates and volume of transaction

(Mention summary of suspicion and consequence of events) (Use separate sheet if needed)

H. Documents to be enclosed

1. Account opening form along with submitted documents 2. KYC Profile; 3. Transaction Statement 4. Other supporting documents (if any)

Signature : (Chief Anti Money Laundering Compliance Officer) Name : Designation : Phone : Date :

Suspicious Transaction Report (STR)

(Corporate Client)

A. Reporting Institution :

1. Name of the Institution:

2. Name of the Branch:

B. Details of Report:

1. Date of sending report:

2. Is this the addition of an earlier report?

Yes No

3.If yes, mention the date of previous report

C. Suspect Account Details :

1. BO Account Number:

2. Folio Number/Client Code:

3. Name of the Legal Person:

4. Nature of the account:

(Margin/Non Margin/Portfolio/other, pls. specify)

5. Nature of ownership:

(proprietorship/partnership/company/other, pls. specify)

6.Registration No.:

7. Registration No. & Authority:

8. Address in details :

9. Contact Details:

10. List of related Directors/Partners (at least 2, with contact details) :


12. TIN:

13. BIN:

D. Reasons for considering the transaction(s) as unusual/suspicious?

(Mention summary of suspicion and consequence of events)

a. Identity of clients

b. Activity in account

c. Background of client

d. Multiple accounts

e. Nature of transaction

f. Value of transaction

g. Other reason (Pls. Specify)

E. Name of the associates and volume of transaction

(Mention summary of suspicion and consequence of events) (Use separate sheet if needed)

F. Documents to be enclosed

1. Account opening form along with submitted documents 2. KYC Profile; 3. Transaction Statement 4. Other supporting documents (if any)

Signature : (Chief Anti Money Laundering Compliance Officer) Name : Designation : Phone : Date :

cwiwkó-M

cyuwRevRvi mswkøó cÖwZôv‡bi bvg

ÑÑÑÑ cÖavb Kvh©vjq/kvLv|

cÖavb Kvh©vjq/kvLv KZ©„K Self Assessment c×wZi gva¨‡g wbR¯̂ Ae¯’vb wbY©q

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AwfÁ wKbv? weMZ `yB eQ‡i wZwb

gvwbjÛvwis I mš¿vmx Kv‡h© A_©vqb

cÖwZ‡iva welqK †Kvb cÖwkÿY †c‡q‡Qb

wKbv?

L) cÖwZôv‡b/kvLvq gvwbjÛvwis cÖwZ‡iva

Kvh©µg h_vwbq‡g cwicvwjZ n‡”Q G

welqwU wbwðZ nIqvi j‡ÿ¨

CAMLCO/BAMLCO wbw`©ó I

MÖnY‡hvM¨ mgq ci ci Ges Kvh©Ki

cÖwµqvq gwbUwis I ch©v‡jvPbv K‡i

_v‡Kb wKbv?

CAMLCO/BAMLCO

KZ©„K –

KYC Kvh©µ‡gi h_v_©Zv

gwbUwis Kiv nq wKbv?

h_vh_fv‡e Transaction

gwbUwis Ges m‡›`nRbK

†jb‡`b wi‡cvU© (B›Uvibvj

wi‡cvU©©mn) Kiv nq wKbv?

h_vh_fv‡e †iKW© msiÿY Kiv

nq wKbv?

STR mbv³Ki‡Y e¨e¯’v †bqv

nq wKbv?

3. CAMLCO/BAMLCO

cÖwZôv‡bi/kvLvi Kg©KZ©vMY gvwbjÛvwis

I mš¿vmx Kv‡h© A_©vqb cÖwZ‡iva wel‡q

we`¨gvb AvBb, wewagvjv, weGdAvBBD

KZ©„K mg‡q mg‡q RvixK…Z wb‡ ©̀kbv I

cÖwZôvb KZ…©K RvixK…Z gvwbjÛvwis I

mš¿v‡m A_©vqb cÖwZ‡iva welqK wbR¯^

bxwZgvjv m¤ú‡K© AewnZ Av‡Qb wK?

welqwU hvPvB‡qi c×wZ Kx?

4. cÖwZôvb/kvLv ch©v‡q ‣ÎgvwmK wfwË‡Z

gvwbjÛvwis I mš¿v‡m A_©vqb cÖwZ‡iva

welqK mfv AbywôZ nq wKbv?

mfvq Kx Kx ¸iæZ¡c~Y© wm×všÍ

M„nxZ n‡q‡Q?

mfvq M„nxZ wm×všÍ wKfv‡e

ev Í̄evwqZ nq?



Ae¯’v

M„nxZe¨

Kvh©µg/mycvwik

5. mKj cÖKvi wnmve †Lvjv I †jb‡`b

cwiPvjbvi †ÿ‡Î gvwb jÛvwis cÖwZ‡iva

AvBb, mš¿vm we‡ivax AvBb Ges mg‡q

mg‡q weGdAvBBD KZ©„K RvixK„Z

wb‡ ©̀kbv Abymv‡i MÖvnK cwiwPwZ

m‡šÍvlRbKfv‡e MÖnY Kiv nq wKbv ?

MÖvnK cwiwPwZi h_v_©Zv wKfv‡e hvPvB Kiv nq? wKfv‡e

Zv kvLvq msiÿY Kiv n‡”Q?

KYC m¤úv`bKv‡j MÖvn‡Ki Znwe‡ji Drm hvPvB Kiv nq

wKbv?

wnmv‡ei cÖK…Z myweav‡fvMx

(Beneficial Owner) mbv³

Kiv nq wKbv Ges Zv hvPvB

Gi cÖwµqv m‡šÍvlRbK wKbv?

D”P SzuwKwewkó MÖvnK‡ì †ÿ‡Î

SuywKi wbix‡L Enhanced

Due Diligence (EDD) Kiv nq wKbv?

6. weGdAvBBD KZ©„K RvixK…Z wb‡ ©̀kbv

Ges cÖwZôv‡bi wbR¯ ̂bxwZgvjv Abyhvqx

gvwbjÛvwis I mš¿v‡m A_©vqb msµvšÍ

SzuwK cÖwZ‡iv‡a h_vh_ eë¯’v MÖnY Kiv

n‡q‡Q wK bv?

G welqK wbR¯ ̂bxwZgvjv cÖYqb

Kiv n‡q‡Q wKbv?

n‡j D³ bxwZgvjv kvLvq

wKfv‡e ev¯ÍevwqZ n‡”Q?

7. cÖwZôv‡b/kvLvq MÖvn‡Ki KYC Profile Gi Z_¨ weGdAvBBD KZ©„K RvixK…Z

wb‡ ©̀kbv ‡gvZv‡eK mg‡q mg‡q

cybtg~j¨vqbc~e©K nvjbvMv` K‡i wKbv?

Kx c×wZ‡Z Giƒc g~j v̈qb

m¤úvẁ Z n‡q _v‡K?

8. mš¿vm we‡ivax AvBb, 2009 (cieZ©x

ms‡kvabxmn) Gi Aaxb mš¿vmx Kv‡h©

A_©vqb cÖwZ‡iv‡ai j‡ÿ¨ kvLv/cÖavb

Kvh©vjq Kx ai‡bi c`‡ÿc MÖnY K‡i‡Q?

RvwZms‡Ni wbivcËv cwil‡ì

wewfbœ †iRyjyk‡bi AvIZvq

mš¿vm, mš¿vmx Kvh© I e¨vcK

aŸsmvZ¥K A ¿̄ we¯Ív‡i A_©vq‡b

RwoZ m‡›`‡n ZvwjKvfy³ †Kvb

e¨w³ ev mËv Ges evsjv‡`k

miKvi KZ©„K ZvwjKvfy³ ‡Kvb

e¨w³ ev wbwl× †NvwlZ mËvi

bv‡gi ZvwjKv kvLvq/cÖavb

Kvh©vj‡q msiÿY I Z`vbymv‡i

wnmv‡ei †jb‡`b Kvh©µg

hvPvB Kiv nq wKbv?

Giƒc †Kvb e ẅ³ ev mËvi bv‡g

kvLv/cÖavb Kvh©vjq/G‡R›U

Kvh©vj‡q cwiPvwjZ wnmve/cwjwmi

(hẁ _v‡K) wel‡q weGdAvBBD †K

AewnZ Kiv nq wKbv?

9. G hver kvLv /cÖavb Kvh©vjq KZ©„K

KZ¸‡jv m‡›`nRbK †jb‡`b (STR)

kbv³/wi‡cvU© Kiv n‡q‡Q?

cÖwZôv‡b/kvLvq m‡›̀ nRbK

†jb‡̀ b wPwýZ Kivi †Kvb c×wZ

AbymiY Kiv nq wKbv?



Ae¯’v

M„nxZe¨

Kvh©µg/mycvwik

10. gvwbjÛvwis cÖwZ‡iva AvBb, mš¿vm

we‡ivax AvBb, mvK©yjvi, cÖwkÿY †iKW©,

weeiYx I GZ`&msµvšÍ Ab¨vb¨ wel‡qi

Avjv`v bw_ kvLv/cÖavb Kvh©vjq KZ©„K

msiÿY Kiv nq wKbv? AvBb, mvKz©jvi

BZ¨vw`i Kwc kvLv/cÖavb Kvh©vj‡qi mKj

Kg©KZ©v/Kg©Pvix‡`i mieivn Kiv nq

wKbv?

msiwÿZ n‡q _vK‡j n¨vu A_ev

bv n‡q _vK‡j bv, AvswkK n‡j

wK wK msiwÿZ Av‡Q Zv wjLyb|

11. weGdAvBBD mvKy©jvi Abymv‡i

cÖwZôv‡b/kvLvq PEPs, cÖfvekvjx

e¨w³, AvšÍR©vwZK ms¯’vi cÖavb ev D”P

ch©v‡qi Kg©KZ©vi †Kvb wnmve

cwiPvwjZ n‡”Q wKbv?

DËi n¨vu n‡j GB wnmve ‡Lvjv

I cwiPvjbvi †ÿ‡Î ‡Kvb ai‡Yi

mZK©Zv Aej¤^b Kiv n‡”Q?

12. cÖwZôv‡b evsjv‡`k dvBb¨wÝqvj

B‡›Uwj‡RÝ BDwbU KZ©„K cwiPvwjZ

c~‡e©i cwi`k©b cÖwZ‡e`‡b D‡jøwLZ

gvwbjÛvwis cÖwZ‡iva I mš¿v‡m A_©vqb

cÖwZ‡iva cwicvjb welqK

`ye©jZv/Awbqgmg~n wbqwgZ Kiv n‡q‡Q

wKbv?

bv n‡q _vK‡j cÖwZeÜKZvmg~n

wK wK?

kvLvi gvwbjÛvwis cÖwZ‡iva cwicvjb (cÖ‡hvR¨ †ÿ‡Î)

Kg©KZv©i bvghy³ mxjmn ¯v̂ÿi I ZvwiL

cÖwZôv‡bi cÖavb gvwbjÛvwis cÖwZ‡iva cwicvjb

Kg©KZ©vi bvghy³ mxjmn ¯v̂ÿi I ZvwiL